:root{--g:#1E4D3A;--g2:#163a2c;--g3:#2a6650;--gold:#E2A93B;--gold2:#f0c46c;--gold-t:#8a5f0d;--cream:#FAF6EC;--cream2:#F2EBDA;--ink:#1A1A1A;--text:#2b2b2b;--muted:#5d5a52;--line:#e3d9c2;
--serif:'Fraunces',Georgia,serif;--sans:'Figtree',system-ui,-apple-system,'Segoe UI',sans-serif;--r:22px;--max:1240px}
*,*::before,*::after{box-sizing:border-box}[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:1.03rem;line-height:1.65;color:var(--text);background:var(--cream);overflow-x:hidden}
img{max-width:100%;display:block}a{color:var(--g)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:1rem;top:-100px;background:var(--g);color:#fff;padding:.75rem 1rem;z-index:999;border-radius:8px}.skip:focus{top:60px}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 clamp(1rem,4vw,2.25rem)}
.ic{flex:none}
h1,h2,h3,h4{margin:0 0 .6rem;color:var(--ink)}
.display{font-family:var(--serif);font-weight:600;font-size:clamp(2.6rem,6.6vw,5.4rem);line-height:1;letter-spacing:-.025em;color:#fff;max-width:13ch;margin-bottom:1.25rem;font-variation-settings:"opsz" 144}
.display em,.h1 em{font-style:italic;font-weight:400;color:var(--gold2)}
.h1{font-family:var(--serif);font-weight:600;font-size:clamp(2.3rem,5vw,4rem);line-height:1.05;letter-spacing:-.02em}
.h1 em{color:var(--g3)}
.h2{font-family:var(--serif);font-weight:600;font-size:clamp(1.8rem,3.4vw,2.7rem);line-height:1.1;letter-spacing:-.015em}
.h3{font-family:var(--serif);font-weight:600;font-size:clamp(1.3rem,2.1vw,1.6rem);line-height:1.2}
.h4{font-family:var(--sans);font-weight:700;font-size:1.1rem;line-height:1.35}
.lede{font-size:clamp(1.06rem,1.4vw,1.2rem);color:var(--muted);max-width:40rem}
p{margin:0 0 1rem}
.kick{display:inline-flex;align-items:center;gap:.45rem;font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-t);margin:0 0 .9rem}
.kick-l{color:var(--gold2)}
.note{font-size:.85rem;color:var(--muted);margin-top:1rem}.note-l{color:#cfe0d5}
.tl{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;color:var(--g);text-decoration:none;min-height:44px;background:none;border:0;font-family:var(--sans);font-size:1rem;cursor:pointer;padding:0}
.tl:hover{text-decoration:underline;text-underline-offset:4px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;min-height:50px;padding:.8rem 1.5rem;border-radius:14px;font:700 1rem var(--sans);text-decoration:none;cursor:pointer;border:2px solid transparent;transition:transform .2s,background .2s}
.btn:hover{transform:translateY(-2px)}.btn-sm{min-height:44px;padding:.55rem 1.1rem;font-size:.95rem}
.btn-green{background:var(--g);color:#fff}.btn-green:hover{background:var(--g2)}
.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:var(--gold2)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-line{background:transparent;color:var(--g);border-color:var(--g)}
.acts{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}
.ticks{list-style:none;padding:0;margin:1rem 0 1.5rem;display:grid;gap:.55rem}.ticks li{display:flex;gap:.65rem;align-items:flex-start}.ticks .ic{color:var(--g3);margin-top:.2rem;background:#dcebe2;border-radius:50%;padding:2px}
.sec-green .ticks .ic{background:rgba(255,255,255,.15);color:var(--gold2)}
/* header */
.hdr{position:sticky;top:0;z-index:60;background:rgba(250,246,236,.94);backdrop-filter:blur(8px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
.hdr-in{display:flex;align-items:center;gap:1rem;min-height:84px;transition:min-height .25s}
.hdr.is-condensed{border-color:var(--line);box-shadow:0 8px 24px rgba(30,77,58,.08)}.hdr.is-condensed .hdr-in{min-height:66px}
.logo{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none}
.logo-m{width:46px;height:46px;border-radius:50% 50% 50% 14px;background:var(--g);color:var(--gold);display:grid;place-items:center}
.logo-t{font-family:var(--serif);font-weight:700;font-size:1.4rem;line-height:1;color:var(--g);display:flex;flex-direction:column;letter-spacing:-.01em}
.logo-t small{font-family:var(--sans);font-weight:600;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-t);margin-top:.3rem}
.logo-l .logo-t{color:#fff}.logo-l .logo-t small{color:var(--gold2)}.logo-l .logo-m{background:var(--gold);color:var(--g2)}
.nav{margin:0 auto}.nav ul{display:flex;list-style:none;margin:0;padding:.3rem;gap:.15rem;background:#fff;border-radius:999px;border:1px solid var(--line)}
.nav a{display:inline-flex;align-items:center;min-height:42px;padding:.4rem .95rem;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.94rem}
.nav a:hover{background:var(--cream2)}.nav a[aria-current]{background:var(--g);color:#fff}
.hdr-r{display:flex;align-items:center;gap:.9rem}.hdr-help{font-weight:700;text-decoration:none;min-height:44px;display:inline-flex;align-items:center}
.burger{display:none;margin-left:auto;align-items:center;gap:.5rem;min-height:48px;padding:0 1rem;border-radius:999px;border:1px solid var(--line);background:#fff;font:700 .95rem var(--sans);color:var(--g);cursor:pointer}
.mnav{border-top:1px solid var(--line);background:var(--cream);max-height:calc(100vh - 130px);overflow:auto;padding:1rem 0 1.5rem}
.mnav ul{list-style:none;margin:0 0 1rem;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:.5rem}
.mnav a{display:flex;align-items:center;min-height:52px;padding:.5rem 1rem;background:#fff;border-radius:14px;text-decoration:none;font-weight:600;color:var(--ink);border:1px solid var(--line)}
.mnav a[aria-current]{background:var(--g);color:#fff}
.mnav-card{background:var(--g);color:#e8f0ea;border-radius:var(--r);padding:1.25rem}.mnav-card .btn{width:100%}
@media (max-width:1180px){.nav,.hdr-r{display:none}.burger{display:inline-flex}}
/* hero */
.hero{position:relative;min-height:min(88vh,820px);display:flex;flex-direction:column;justify-content:flex-end;color:#e8f0ea;overflow:hidden;background:var(--g2)}
.hero-ph{position:absolute!important;inset:0;aspect-ratio:auto!important;border-radius:0!important;background:var(--g2)!important}
.hero-scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,46,35,.92) 0,rgba(18,46,35,.75) 45%,rgba(18,46,35,.2) 100%),linear-gradient(0deg,rgba(18,46,35,.95) 0,transparent 45%)}
.hero-in{position:relative;padding-top:clamp(4rem,10vw,8rem)}
.hero .lede{color:#dbe7df;max-width:36rem}
.hero-rates{position:relative;margin:clamp(2.5rem,5vw,4rem) 0 2rem}
.ratebar{display:grid;grid-template-columns:repeat(4,1fr);border-radius:var(--r);overflow:hidden;background:var(--line);gap:1px;border:1px solid var(--line)}
.rb{background:#fff;padding:1.25rem 1.4rem;display:flex;flex-direction:column}
.rb span{font-size:.85rem;color:var(--muted);font-weight:600}.rb strong{font-family:var(--serif);font-size:clamp(1.7rem,3vw,2.3rem);color:var(--g);line-height:1.15;font-weight:600}.rb small{color:var(--muted)}
.hero .ratebar{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.18)}.hero .rb{background:rgba(22,58,44,.72);backdrop-filter:blur(6px)}.hero .rb span,.hero .rb small{color:#cfe0d5}.hero .rb strong{color:var(--gold2)}
.ph{margin:0;background:linear-gradient(150deg,#2a6650,#1E4D3A);overflow:hidden;border-radius:var(--r)}
.ph img{width:100%;height:100%;object-fit:cover;color:transparent}
.blob{border-radius:46% 54% 42% 58% / 52% 40% 60% 48%}
.blob-sm{border-radius:38% 62% 55% 45% / 45% 45% 55% 55%}
/* sections */
.sec{padding:clamp(3.5rem,8vw,6.5rem) 0}
.sec-cream2{background:var(--cream2)}
.sec-green{background:var(--g);color:#dbe7df}.sec-green .h2,.sec-green .h3,.sec-green .h4{color:#fff}.sec-green .kick{color:var(--gold2)}.sec-green .note{color:#bcd3c4}.sec-green .lede{color:#dbe7df}
.sh{max-width:44rem;margin-bottom:2.25rem}.sh .lede{margin:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}.split.top{align-items:start}
.split>*,.phero-in>*,.lc>*,.finder-in>*,.faqw>*{min-width:0}
/* product cards */
.pgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.pcard{position:relative;display:flex;flex-direction:column;background:#fff;border-radius:var(--r);padding:1.6rem;text-decoration:none;color:var(--text);border:1px solid var(--line);transition:transform .25s,box-shadow .25s}
.pcard:hover{transform:translateY(-5px);box-shadow:0 20px 40px rgba(30,77,58,.12)}
.pcard p{color:var(--muted);font-size:.96rem}.pcard .tl{margin-top:auto}
.pc-tag{position:absolute;top:1.2rem;right:1.2rem;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.25rem .65rem;border-radius:999px}
.pc-save .pc-tag{background:#dcebe2;color:var(--g)}.pc-loan .pc-tag{background:#f8e7c2;color:var(--gold-t)}
.pc-i{width:54px;height:54px;border-radius:50% 50% 50% 16px;background:var(--cream2);color:var(--g);display:grid;place-items:center;margin-bottom:1rem;flex:none}
.pc-loan .pc-i{background:#f8e7c2;color:var(--gold-t)}
.pc-rate{border-top:1px dashed var(--line);padding-top:.8rem;margin-top:auto}.pc-rate strong{font-family:var(--serif);font-size:1.8rem;color:var(--g);font-weight:600}
/* ajo card */
.ajo-card{background:#fff;color:var(--text);border-radius:28px;padding:1.75rem;box-shadow:0 30px 60px rgba(0,0,0,.2);transform:rotate(-1.5deg)}
.ajo-h{font-family:var(--serif);font-size:1.3rem;font-weight:600;color:var(--ink)}
.ajo-days{display:grid;grid-template-columns:repeat(7,1fr);gap:.4rem;margin:1rem 0 1.25rem}
.ajo-days span{aspect-ratio:1;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:700;background:var(--cream2);color:var(--muted)}
.ajo-days .on{background:var(--g);color:#fff}.ajo-days .off{background:transparent;color:#bbb;border:1px dashed var(--line)}
.ajo-sum{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem;margin:0}.ajo-sum dt{font-size:.8rem;color:var(--muted)}.ajo-sum dd{margin:0;font-family:var(--serif);font-weight:600;font-size:1.3rem;color:var(--g)}
.ajo-card .note{color:var(--muted)}
/* stories */
.stories{display:grid;gap:1.25rem}
.story{display:grid;grid-template-columns:180px 1fr;gap:1.75rem;align-items:center;background:#fff;border-radius:var(--r);padding:1.25rem 1.75rem 1.25rem 1.25rem;border:1px solid var(--line)}
.story:nth-child(2){margin-left:clamp(0rem,6vw,6rem)}.story:nth-child(3){margin-left:clamp(0rem,12vw,12rem)}
.story-q{font-family:var(--serif);font-size:clamp(1.2rem,2vw,1.5rem);line-height:1.35;color:var(--ink);font-style:italic}
.story-n{margin:0}.story-n strong{color:var(--g)}.story-d{font-size:.9rem;color:var(--muted);margin:.25rem 0 0}
/* mini calc */
.mcalc,.calc,.card{background:#fff;border-radius:28px;padding:clamp(1.25rem,3vw,2rem);border:1px solid var(--line);box-shadow:0 20px 40px rgba(30,77,58,.08);color:var(--text)}
.fld{display:flex;flex-direction:column;gap:.35rem;margin-bottom:1rem}
.fld label,.yn legend,.seg-f legend{font-weight:700;color:var(--ink);font-size:.95rem}
.fld label output{float:right;font-family:var(--serif);color:var(--g);font-size:1.15rem}
.fld label{display:block}
input,select,textarea{font:inherit;font-size:1rem;color:var(--text);min-height:50px;padding:.7rem .9rem;border:1.5px solid #d7ccb2;border-radius:14px;background:#fffdf8;width:100%}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--g);box-shadow:0 0 0 3px rgba(30,77,58,.18)}
input[type=range]{padding:0;border:0;background:none;accent-color:var(--g);min-height:34px;box-shadow:none}
input[type=radio],input[type=checkbox]{width:20px;height:20px;min-height:0;accent-color:var(--g);flex:none}
.mc-out,.goal-out{background:var(--cream2);border-radius:18px;padding:1.1rem 1.25rem;display:flex;flex-direction:column;gap:.15rem}
.mc-out span,.goal-out span{font-size:.85rem;color:var(--muted);font-weight:600}.mc-out strong,.goal-out strong{font-family:var(--serif);font-size:clamp(1.8rem,3.4vw,2.4rem);font-weight:600;color:var(--g);line-height:1.15}
.mc-out small{color:var(--muted)}
.goal-out{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.goal-out div{display:flex;flex-direction:column}
.goal-bar{height:10px;border-radius:999px;background:var(--cream2);margin-top:1rem;overflow:hidden}.goal-bar span{display:block;height:100%;background:linear-gradient(90deg,var(--g),var(--gold));border-radius:999px;width:0;transition:width .3s}
.naira{display:flex;align-items:center;border:1.5px solid #d7ccb2;border-radius:14px;background:#fffdf8}.naira:focus-within{border-color:var(--g)}.naira span{padding-left:.9rem;font-weight:700;color:var(--muted)}.naira input{border:0;background:none;box-shadow:none}
/* agents */
.aglist{list-style:none;padding:0;margin:0 0 1.5rem;display:grid;gap:.6rem}
.aglist li{display:flex;gap:.9rem;align-items:center;background:#fff;border-radius:16px;padding:.8rem 1rem;border:1px solid var(--line)}.aglist span{display:block;color:var(--muted);font-size:.9rem}
.ag-n{width:34px;height:34px;border-radius:50% 50% 50% 8px;background:var(--gold);color:var(--ink);display:grid!important;place-items:center;font-weight:800;flex:none;font-size:.9rem!important}
.mapcard,.mapwrap{background:#fff;border-radius:28px;padding:.75rem;border:1px solid var(--line)}
.map{width:100%;height:auto;display:block;border-radius:20px}
.map-bg{fill:#eef3e6}.river{fill:none;stroke:#bcd7e4;stroke-width:26;stroke-linecap:round}.roads path{fill:none;stroke:#fff;stroke-width:9;stroke-linecap:round}
.map-lbl{font:italic 600 12px var(--serif);fill:#6f8f9c}
.mp path{fill:var(--g);stroke:#fff;stroke-width:2}.mp text{font:800 11px var(--sans);fill:#fff}
.mp.on path{fill:var(--gold)}.mp.on text{fill:var(--ink)}.mp.dim{opacity:.25}
/* quote */
.bigq{margin:0 auto;max-width:56rem;text-align:center}
.bigq p{font-family:var(--serif);font-size:clamp(1.5rem,3.2vw,2.4rem);line-height:1.3;color:var(--ink);font-style:italic}
.bigq figcaption{color:var(--muted);font-weight:600}.bigq-l p{color:#fff}.bigq-l figcaption{color:#cfe0d5}
.bigq::before{content:"";display:block;width:70px;height:4px;border-radius:4px;background:var(--gold);margin:0 auto 1.5rem}
/* faq */
.faqw{display:grid;grid-template-columns:.8fr 1.4fr;gap:3rem;align-items:start}
.accs{display:grid;gap:.6rem}
.acc{background:#fff;border-radius:18px;border:1px solid var(--line)}.acc h3{margin:0}
.acc-b{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.1rem 1.25rem;background:none;border:0;text-align:left;font:700 1.04rem/1.4 var(--sans);color:var(--ink);cursor:pointer;min-height:58px}
.acc-i{width:34px;height:34px;border-radius:50%;background:var(--cream2);color:var(--g);display:grid;place-items:center;flex:none;transition:transform .25s}
.acc-b[aria-expanded=true] .acc-i{transform:rotate(45deg);background:var(--g);color:#fff}
.acc-p{padding:0 1.25rem 1.15rem;color:var(--muted)}.acc-p p{margin:0}
.acc-c{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;color:var(--gold-t)}
/* cta */
.cta{background:var(--g2);color:#dbe7df;padding:clamp(3rem,7vw,5rem) 0;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(226,169,59,.25),transparent 70%)}
.cta-in{display:grid;grid-template-columns:1.3fr 1fr;gap:2rem;align-items:center;position:relative}.cta .h2{color:#fff}.cta .acts{justify-content:flex-end;margin:0}
/* page hero */
.phero{padding:clamp(2.5rem,6vw,5rem) 0 clamp(3rem,6vw,5rem);background:radial-gradient(800px 400px at 90% 10%,#efe3c4 0,transparent 60%),var(--cream)}
.phero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,5vw,5rem);align-items:center}
.phero-m{position:relative;max-width:440px;justify-self:end;width:100%}
.seal{position:absolute;left:-1.25rem;bottom:2rem;width:84px;height:84px;border-radius:50%;background:var(--gold);color:var(--g2);display:grid;place-items:center;box-shadow:0 12px 30px rgba(0,0,0,.15)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.35rem;padding:0;margin:0 0 1.25rem;font-size:.9rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--gold)}.crumbs a{display:inline-block;padding:.3rem 0;text-decoration:none;font-weight:600}
.pchips{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:1.25rem 0 0}.pchips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;font-size:.9rem;font-weight:600}
/* tabs */
.tablist{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.25rem}
.tablist button{display:inline-flex;align-items:center;gap:.45rem;min-height:50px;padding:.5rem 1.1rem;border-radius:14px;border:1.5px solid var(--line);background:#fff;font:700 .96rem var(--sans);color:var(--ink);cursor:pointer}
.tablist button[aria-selected=true]{background:var(--g);border-color:var(--g);color:#fff}
.tabp{background:#fff;border-radius:28px;padding:clamp(1.5rem,4vw,2.75rem);border:1px solid var(--line)}
.tabp-in{display:grid;grid-template-columns:.7fr 1.3fr;gap:2.5rem;align-items:start}
.tabp-rate{font-family:var(--serif);font-size:clamp(2.6rem,6vw,4.4rem);line-height:1;color:var(--g);font-weight:600;margin:0}
/* tables */
.tblw{position:relative;overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:#fff}
.tbl{width:100%;border-collapse:collapse;min-width:620px;font-size:.96rem}.tbl th,.tbl td{padding:.9rem 1.1rem;text-align:left;border-bottom:1px solid #efe6d2}
.tbl thead th{background:var(--g);color:#fff;font-weight:700;font-size:.9rem}.tbl tbody th{color:var(--g);font-weight:700}
.tbl tbody tr:nth-child(even){background:#fcf9f1}
/* galleries */
.gal{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1rem}
.gal .ph:nth-child(2){transform:translateY(1.5rem)}
/* loans */
.lrows{display:grid;gap:1rem}
.lrow{display:grid;grid-template-columns:auto 1.4fr 1.6fr auto;gap:1.5rem;align-items:center;background:#fff;border-radius:var(--r);padding:1.4rem 1.6rem;border:1px solid var(--line)}
.lrow .pc-i{margin:0}.lrow p{color:var(--muted);margin:0}
.lrow-d{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:0}.lrow-d dt{font-size:.78rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.05em}.lrow-d dd{margin:0;font-weight:700;color:var(--ink)}
.stps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.stps li{background:#fff;border-radius:var(--r);padding:1.5rem;border:1px solid var(--line)}.stps p{color:var(--muted);margin:0}
.stp-n{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50% 50% 50% 12px;background:var(--gold);font-weight:800;margin-bottom:.9rem}
.stps .stp-img{padding:0;overflow:hidden;border:0;background:none}.stp-img .ph{height:100%}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.fact{background:#fff;border-radius:var(--r);padding:1.4rem;border-left:5px solid var(--gold)}.fact span{font-size:.82rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}.fact strong{display:block;font-family:var(--serif);font-size:1.4rem;font-weight:600;color:var(--g);margin-top:.3rem;line-height:1.25}
.yn{border:0;padding:0;margin:0 0 1rem}.yn legend{margin-bottom:.4rem}
.yn label{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;padding:.3rem 1rem;margin-right:.5rem;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;font-weight:600}
.yn label:has(input:checked){border-color:var(--g);background:#e6f0ea}
.elig-out{background:var(--cream2);border-radius:18px;padding:1.1rem 1.25rem}.elig-out p{margin:0}.elig-out.good{background:#dcebe2}.elig-out.maybe{background:#f8e7c2}
.elig-out strong{font-family:var(--serif);font-size:1.3rem;display:block;color:var(--g)}
/* calculator page */
.lc{display:grid;grid-template-columns:.9fr 1.3fr;gap:2rem;align-items:start}
.lc-in{position:sticky;top:130px}
.seg-f{border:0;padding:0;margin:0}.seg{display:grid;grid-template-columns:1fr 1fr;gap:.4rem;background:var(--cream2);padding:.35rem;border-radius:16px;margin-top:.4rem}
.seg label{display:flex;align-items:center;justify-content:center;gap:.45rem;min-height:46px;border-radius:12px;cursor:pointer;font-weight:700;font-size:.93rem}
.seg label:has(input:checked){background:#fff;box-shadow:0 2px 8px rgba(0,0,0,.08);color:var(--g)}
.lc-sum{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border-radius:var(--r);overflow:hidden;border:1px solid var(--line);margin-bottom:1rem}
.lc-sum>div{background:#fff;padding:1.1rem 1.25rem;display:flex;flex-direction:column}.lc-sum span{font-size:.84rem;color:var(--muted);font-weight:600}.lc-sum strong{font-family:var(--serif);font-size:1.4rem;color:var(--ink);font-weight:600}
.lc-big{grid-column:1/-1;background:var(--g)!important}.lc-big span{color:#cfe0d5}.lc-big strong{font-size:clamp(2.2rem,4.6vw,3.2rem);color:var(--gold2)}
.lc-bars{display:flex;align-items:flex-end;gap:4px;height:120px;background:#fff;border-radius:var(--r);padding:1rem;border:1px solid var(--line);margin-bottom:1rem}
.lc-bars span{flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:100%;min-width:0}
.lc-bars i{display:block;background:var(--g);border-radius:4px 4px 0 0}.lc-bars b{display:block;background:var(--gold)}
.cmp{background:#fff;border-radius:var(--r);padding:1.75rem;border:1px solid var(--line)}.cmp dl{margin:1rem 0 0;display:grid;gap:.75rem}.cmp dl div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px dashed var(--line);padding-bottom:.6rem}.cmp dt{color:var(--muted)}.cmp dd{margin:0;font-weight:800;color:var(--g)}
/* agent finder */
.finder-tools{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;margin-bottom:1.25rem}
.search{position:relative;flex:1 1 280px}.search .ic{position:absolute;left:1rem;top:50%;transform:translateY(-50%);color:var(--muted)}.search input{padding-left:2.8rem;border-radius:999px;background:#fff}
.search.big{margin-bottom:1.25rem}.search.big input{min-height:60px;font-size:1.05rem}
.chips{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:1.25rem}.finder-tools .chips{margin:0}
.chip{min-height:44px;padding:.45rem 1rem;border-radius:999px;border:1.5px solid var(--line);background:#fff;font:700 .9rem var(--sans);color:var(--ink);cursor:pointer}.chip[aria-pressed=true]{background:var(--g);border-color:var(--g);color:#fff}
.ag-count{width:100%;margin:0;font-weight:600;color:var(--muted)}
.finder-in{display:grid;grid-template-columns:1fr 1.1fr;gap:1.25rem;align-items:start}
.agents{list-style:none;margin:0;padding:0;display:grid;gap:.6rem;max-height:620px;overflow:auto;padding-right:.25rem}
.agent{background:#fff;border-radius:18px;border:1.5px solid var(--line);transition:border-color .2s}
.agent.on{border-color:var(--gold);box-shadow:0 8px 20px rgba(226,169,59,.2)}
.agent-b{display:flex;gap:.85rem;align-items:center;width:100%;text-align:left;background:none;border:0;padding:.9rem 1rem .4rem;cursor:pointer;font:inherit;color:inherit;min-height:56px}
.ag-t strong{display:block;color:var(--ink)}.ag-t span{color:var(--muted);font-size:.9rem}
.agent-m{display:flex;flex-wrap:wrap;gap:.5rem 1rem;align-items:center;padding:0 1rem .9rem 3.9rem}
.svc{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0;padding:0}.svc li{font-size:.78rem;font-weight:700;background:var(--cream2);color:var(--g);border-radius:999px;padding:.2rem .6rem}
.ag-h{display:inline-flex;align-items:center;gap:.3rem;font-size:.85rem;color:var(--muted)}
.mapwrap{position:sticky;top:130px}
.svgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}.svc-c{background:#fff;border-radius:var(--r);padding:1.5rem;border:1px solid var(--line)}.svc-c p{color:var(--muted);margin:0}
/* branches */
.brs{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.br{background:#fff;border-radius:var(--r);padding:1.5rem;border:1px solid var(--line)}.br p{display:flex;gap:.5rem;align-items:flex-start;margin:0 0 .5rem;color:var(--muted)}.br .ic{color:var(--g);margin-top:.2rem}
.br-top{display:flex;justify-content:space-between;align-items:flex-start;gap:.75rem;flex-wrap:wrap}
.status{font-size:.8rem;font-weight:800;padding:.3rem .7rem;border-radius:999px;background:var(--cream2);color:var(--muted);display:inline-flex;align-items:center;gap:.35rem}
.status.open{background:#dcebe2;color:#185c3c}.status.open::before{content:"";width:8px;height:8px;border-radius:50%;background:#1f8a57}
.status.closed{background:#f6e2dc;color:#8a2f16}
.br-n{font-weight:600;color:var(--ink)!important}
.hrs{margin:1rem 0 0;display:grid;gap:.3rem;border-top:1px dashed var(--line);padding-top:.8rem}.hrs div{display:flex;justify-content:space-between;font-size:.92rem}.hrs dt{color:var(--muted)}.hrs dd{margin:0;font-weight:700}
.soon{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}.soon-c{border:2px dashed var(--line);border-radius:var(--r);padding:1.5rem}.soon-c p{color:var(--muted);margin:0}
/* about */
.ytl{list-style:none;margin:0;padding:0;border-left:3px solid var(--gold);display:grid;gap:1.5rem}
.ytl li{display:grid;grid-template-columns:5rem 1fr;gap:1rem;padding-left:1.25rem}.ytl p{margin:0;color:var(--muted)}
.yr{font-family:var(--serif);font-weight:700;color:var(--g);font-size:1.3rem}
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}.val{background:#fff;border-radius:var(--r);padding:1.75rem;border:1px solid var(--line)}.val p{color:var(--muted);margin:0}
.val-n{font-family:var(--serif);font-style:italic;font-size:2.5rem;color:var(--gold);line-height:1}
.lds{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}.ld{background:rgba(255,255,255,.07);border-radius:var(--r);padding:1.5rem;border:1px solid rgba(255,255,255,.12)}.ld p{margin:0;color:#cfe0d5}
.ld-a{width:64px;height:64px;border-radius:50% 50% 50% 16px;background:var(--gold);color:var(--g2);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.4rem;margin-bottom:1rem}
/* faq page */
.faqp{max-width:880px}
.gloss{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:0}.gloss div{background:#fff;border-radius:var(--r);padding:1.4rem;border:1px solid var(--line)}.gloss dt{font-family:var(--serif);font-weight:600;font-size:1.2rem;color:var(--g)}.gloss dd{margin:0;color:var(--muted)}
.warn{background:#fff;border-radius:28px;padding:2rem;border:2px solid var(--gold)}
.empty{background:var(--cream2);border-radius:16px;padding:1.25rem;margin-top:1rem}
/* contact */
.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.way{background:#fff;border-radius:var(--r);padding:1.6rem;text-decoration:none;color:var(--text);border:1px solid var(--line);transition:transform .25s}.way:hover{transform:translateY(-4px)}
.way p{color:var(--muted);margin:0 0 .4rem;font-size:.95rem}.way strong{color:var(--g);overflow-wrap:anywhere}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.rcard{background:#fff;border-radius:var(--r);padding:1.5rem;text-decoration:none;color:var(--text);border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .25s}.rcard:hover{transform:translateY(-4px)}.rcard p{color:var(--muted);flex:1}
/* forms */
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 1.1rem;margin-bottom:.75rem}.fld.full{grid-column:1/-1}
.opt{color:var(--muted);font-weight:500}
.err{color:#a32d12;font-size:.86rem;font-weight:600}
.fld.bad input,.fld.bad select,.fld.bad textarea,.fld.bad .naira{border-color:#a32d12}
.fnote{font-size:.84rem;color:var(--muted);margin:.85rem 0 0}
.thanks{text-align:center;padding:1.5rem .5rem}.th-i{width:66px;height:66px;border-radius:50% 50% 50% 18px;background:var(--g);color:var(--gold2);display:inline-grid;place-items:center;margin-bottom:1rem}
/* footer */
.ftr{color:#cfe0d5;margin-top:0}
.ftr-wave{line-height:0;background:var(--cream)}.ftr-wave svg{width:100%;height:50px;display:block}
.ftr-in{background:var(--g2);padding:2.5rem 0 1.5rem}
.ftr-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:2rem}
.ftr-about p{margin-top:1rem;font-size:.95rem}.ftr-reg{font-size:.82rem!important;color:#a9c3b3}
.ftr-h{font-family:var(--serif);font-weight:600;font-size:1.15rem;color:var(--gold2);margin-bottom:.8rem}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li a{color:#e8f0ea;text-decoration:none;display:inline-flex;align-items:center;gap:.5rem;min-height:38px}.ftr a:hover{color:#fff;text-decoration:underline}
.ftr-c li{display:flex;gap:.5rem;align-items:flex-start;padding:.3rem 0;font-size:.95rem}.ftr-c .ic{color:var(--gold2);margin-top:.15rem}
.ftr-base{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.25rem;font-size:.86rem}.ftr-base a{color:#e8f0ea}
/* reveal */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .7s ease,transform .7s ease}.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}.btn:hover,.pcard:hover{transform:none}.ajo-card{transform:none}}
/* responsive */
@media (max-width:1100px){.pgrid,.stps,.facts,.lds{grid-template-columns:1fr 1fr}.lrow{grid-template-columns:auto 1fr}.lrow-d,.lrow .btn{grid-column:1/-1}.lrow .btn{justify-self:start}}
@media (max-width:900px){
 .split,.phero-in,.cta-in,.faqw,.lc,.finder-in,.tabp-in{grid-template-columns:1fr}
 .phero-m{justify-self:start;max-width:360px}
 .ratebar{grid-template-columns:1fr 1fr}
 .brs,.svgrid,.rgrid,.ways,.vals,.gloss,.soon{grid-template-columns:1fr 1fr}
 .ftr-grid{grid-template-columns:1fr 1fr}.ftr-about{grid-column:1/-1}
 .cta .acts{justify-content:flex-start}
 .story:nth-child(n){margin-left:0}
 .lc-in,.mapwrap{position:static}
 .agents{max-height:none}
 .mapwrap{order:-1}
}
@media (max-width:600px){
 .pgrid,.stps,.facts,.brs,.svgrid,.rgrid,.ways,.vals,.gloss,.soon,.lds,.ftr-grid,.fgrid,.goal-out{grid-template-columns:1fr}
 .story{grid-template-columns:1fr;padding:1.25rem}.story .ph{max-width:160px}
 .lrow-d{grid-template-columns:1fr 1fr}
 .lc-sum{grid-template-columns:1fr 1fr}.lc-sum>div:last-child{grid-column:1/-1}
 .hero{min-height:0}.hero-scrim{background:linear-gradient(0deg,rgba(18,46,35,.96) 0,rgba(18,46,35,.82) 60%,rgba(18,46,35,.55) 100%)}
 .ratebar .rb{padding:1rem}
 .gal .ph:nth-child(2){transform:none}
 .mnav ul{grid-template-columns:1fr}
 .agent-m{padding-left:1rem}
 .ajo-sum dd{font-size:1.1rem}
 .phero-m{max-width:300px}
 .seal{width:64px;height:64px;left:-.5rem}
}