:root{
  color-scheme:light;
  --paper:#F1F3EE;
  --sheet:#FFFFFF;
  --band:#E4E8E0;
  --ink:#121A2C;
  --muted:#556072;
  --rule:#CDD3CA;
  --carbon:#2B3FA3;
  --carbon-ink:#FFFFFF;
  --carbon-soft:#DDE2F5;
  --stamp:#BF3246;
  --maize:#E6B53F;
  --maize-ink:#121A2C;
  --focus:#2B3FA3;

  --f-display:"Big Shoulders Display","Arial Narrow","Roboto Condensed",sans-serif;
  --f-body:"Atkinson Hyperlegible",system-ui,-apple-system,"Segoe UI",sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,"Cascadia Mono",Consolas,monospace;

  --wrap:1180px;
  --gutter:clamp(16px,4vw,40px);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--f-body);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit}
:focus-visible{outline:2px solid var(--focus);outline-offset:3px}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}

h1,h2,h3{font-family:var(--f-display);text-transform:uppercase;line-height:.95;margin:0;text-wrap:balance;letter-spacing:.005em}
h2{font-size:clamp(2.6rem,5.5vw,4.2rem);font-weight:800}
h3{font-size:1.65rem;font-weight:800;line-height:1}
p{margin:0}
.eyebrow{
  font-family:var(--f-mono);font-size:.78rem;font-weight:500;
  letter-spacing:.12em;text-transform:uppercase;color:var(--muted);
  display:flex;gap:.6em;align-items:center;flex-wrap:wrap;
}
.eyebrow b{color:var(--stamp);font-weight:600}
.lede{font-size:1.15rem;color:var(--muted);max-width:56ch}

.btn{
  display:inline-flex;align-items:center;gap:.5em;
  font-family:var(--f-body);font-weight:700;font-size:1rem;
  padding:.8em 1.25em;border-radius:3px;text-decoration:none;
  border:2px solid var(--ink);cursor:pointer;
  transition:transform .15s ease,background-color .15s ease,color .15s ease;
}
.btn-primary{background:var(--carbon);border-color:var(--carbon);color:var(--carbon-ink)}
.btn-primary:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--paper)}
.btn svg{width:1em;height:1em}

/* ---------- Header ---------- */
.top{
  position:sticky;top:env(safe-area-inset-top,0px);z-index:20;
  background:color-mix(in srgb,var(--paper) 88%,transparent);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid var(--rule);
}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand-mark{width:36px;height:36px;flex:none;display:block}
.brand-name{font-family:var(--f-display);font-weight:800;font-size:1.45rem;text-transform:uppercase;letter-spacing:.02em;line-height:1}
.brand-name span{color:var(--carbon)}
.nav{display:flex;gap:26px;align-items:center}
.nav a{text-decoration:none;font-size:.95rem;color:var(--muted)}
.nav a:hover{color:var(--ink)}
.top .btn{padding:.55em 1em;font-size:.92rem}
@media (max-width:900px){.nav{display:none}}

/* ---------- Hero ---------- */
.hero{padding-block:clamp(48px,8vw,96px) clamp(56px,8vw,88px)}
.hero .wrap > div{max-width:880px}
.hero h1{font-size:clamp(3.4rem,8.4vw,6.6rem);font-weight:900;margin-block:18px 26px}
.hero h1 em{font-style:normal;color:var(--carbon);display:block}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}

/* ---------- Trust strip ---------- */
.strip{border-block:1px solid var(--rule);background:var(--band)}
.strip .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.strip-item{padding:22px 24px 22px 0;display:grid;gap:4px}
.strip-item + .strip-item{padding-left:24px;border-left:1px solid var(--rule)}
.strip-item .k{font-family:var(--f-mono);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.strip-item .v{font-weight:700;font-size:.98rem;line-height:1.4}
@media (max-width:760px){
  .strip .wrap{grid-template-columns:1fr}
  .strip-item,.strip-item + .strip-item{padding:16px 0;border-left:0}
  .strip-item + .strip-item{border-top:1px solid var(--rule)}
}

/* ---------- Sections ---------- */
section.block{padding-block:clamp(64px,9vw,112px)}
.sec-head{display:grid;gap:18px;margin-bottom:clamp(36px,5vw,56px);max-width:760px}

/* Loans */
.loans .wrap{display:grid;grid-template-columns:340px 1fr;gap:clamp(32px,6vw,80px);align-items:start}
.loans .sec-head{position:sticky;top:110px;margin-bottom:0}
.loan-list{list-style:none;margin:0;padding:0;border-top:2px solid var(--ink)}
.loan{
  display:grid;grid-template-columns:minmax(180px,1fr) 1.5fr auto;gap:8px 28px;align-items:baseline;
  padding:22px 0;border-bottom:1px solid var(--rule);
  transition:background-color .2s ease,padding .2s ease;
}
.loan:hover{background:var(--carbon-soft);padding-inline:14px}
.loan h3{font-size:1.9rem}
.loan p{color:var(--muted)}
.tag{
  font-family:var(--f-mono);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;
  padding:4px 8px;border:1px solid var(--rule);border-radius:2px;white-space:nowrap;color:var(--muted);
}
.loan-note{margin-top:22px;font-size:.95rem;color:var(--muted);max-width:60ch}
@media (max-width:900px){
  .loans .wrap{grid-template-columns:1fr}
  .loans .sec-head{position:static}
}
@media (max-width:620px){
  .loan{grid-template-columns:1fr}
  .loan .tag{justify-self:start}
}

/* Savings */
.savings{background:var(--band);border-block:1px solid var(--rule)}
.save-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:2px solid var(--ink)}
.save{padding:26px 24px 30px 0;display:grid;gap:12px;align-content:start}
.save + .save{padding-left:24px;border-left:1px solid var(--rule)}
.save .kind{font-family:var(--f-mono);font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--stamp)}
.save p{color:var(--muted)}
.save-callout{
  margin-top:40px;display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;
  padding:22px 24px;background:var(--sheet);border:1px solid var(--rule);border-left:6px solid var(--maize);
}
.save-callout .fig{font-family:var(--f-display);font-weight:900;font-size:2.8rem;line-height:1;color:var(--ink)}
@media (max-width:900px){
  .save-grid{grid-template-columns:1fr 1fr}
  .save:nth-child(3){padding-left:0;border-left:0}
  .save:nth-child(n+3){border-top:1px solid var(--rule)}
}
@media (max-width:560px){
  .save-grid{grid-template-columns:1fr}
  .save,.save + .save{padding:22px 0;border-left:0}
  .save + .save{border-top:1px solid var(--rule)}
  .save-callout{grid-template-columns:1fr}
}

/* Who can join */
.who-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,4vw,48px)}
.who{display:grid;gap:14px;align-content:start}
.who .ico{width:44px;height:44px;color:var(--carbon)}
.who p{color:var(--muted)}
.who ul{margin:0;padding:0;list-style:none;display:grid;gap:6px;font-size:.95rem}
.who li{display:flex;gap:10px}
.who li::before{content:"";flex:none;width:8px;height:8px;margin-top:.55em;background:var(--maize)}
.eligibility{
  margin-top:clamp(40px,5vw,56px);padding-top:24px;border-top:1px solid var(--rule);
  display:flex;flex-wrap:wrap;gap:12px 40px;align-items:baseline;
}
.eligibility .eyebrow{flex:none}
.eligibility p{max-width:70ch}
@media (max-width:820px){.who-grid{grid-template-columns:1fr}}

/* Steps */
.steps{background:var(--carbon);color:var(--carbon-ink)}
.steps .eyebrow{color:color-mix(in srgb,var(--carbon-ink) 70%,transparent)}
.steps .eyebrow b{color:var(--maize)}
.step-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0;counter-reset:step}
.step-list li{
  counter-increment:step;padding:28px 28px 8px 0;display:grid;gap:10px;align-content:start;
  border-top:2px solid color-mix(in srgb,var(--carbon-ink) 40%,transparent);
}
.step-list li + li{padding-left:28px}
.step-list li::before{
  content:"Step " counter(step);
  font-family:var(--f-mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--maize);
}
.step-list p{color:color-mix(in srgb,var(--carbon-ink) 80%,transparent)}
.steps .btn{margin-top:40px;background:var(--maize);border-color:var(--maize);color:var(--maize-ink)}
@media (max-width:820px){
  .step-list{grid-template-columns:1fr}
  .step-list li,.step-list li + li{padding:22px 0 18px}
}

/* Support */
.support-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:clamp(32px,6vw,72px);align-items:start}
.panel h3{margin-bottom:16px}
.checklist{list-style:none;margin:0;padding:0;border-top:1px solid var(--rule)}
.checklist li{padding:16px 0;border-bottom:1px solid var(--rule);display:grid;gap:2px}
.checklist strong{font-size:1.05rem}
.checklist span{color:var(--muted);font-size:.95rem}
.programmes{display:grid;gap:22px}
.prog{padding:22px 24px;background:var(--sheet);border:1px solid var(--rule);display:grid;gap:10px}
.prog p{color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{font-size:.85rem;padding:4px 10px;border-radius:999px;background:var(--carbon-soft);color:var(--ink)}
.ringfence{display:flex;gap:14px;align-items:flex-start;font-size:.95rem;color:var(--muted);padding:4px 2px}
.ringfence svg{flex:none;width:22px;height:22px;color:var(--stamp);margin-top:2px}
@media (max-width:860px){.support-grid{grid-template-columns:1fr}}

/* Digital */
.digital{background:var(--band);border-block:1px solid var(--rule)}
.digital .wrap{display:grid;grid-template-columns:1fr 360px;gap:clamp(36px,6vw,80px);align-items:center}
.feature-list{list-style:none;margin:32px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:26px 32px}
.feature-list li{display:grid;gap:4px}
.feature-list strong{font-size:1.05rem}
.feature-list span{color:var(--muted);font-size:.95rem}
.phone{
  justify-self:center;width:100%;max-width:300px;
  background:#1B2130;border-radius:28px;padding:18px 14px 26px;
  box-shadow:0 30px 60px -30px rgba(0,0,0,.6);border:1px solid #2C3448;
}
.phone-bar{height:6px;width:60px;border-radius:3px;background:#39425A;margin:0 auto 16px}
.ussd{
  background:#EEF1E6;color:#111;border-radius:6px;padding:18px 16px 14px;
  font-family:var(--f-mono);font-size:.86rem;line-height:1.7;
}
.ussd .ttl{font-weight:600;border-bottom:1px solid #C4C9B8;padding-bottom:6px;margin-bottom:8px}
.ussd ol{margin:0;padding:0;list-style:none}
.ussd-input{margin-top:10px;border-top:1px solid #C4C9B8;padding-top:8px;display:flex;justify-content:space-between;color:#555}
.ussd-input i{font-style:normal;display:inline-block;width:8px;height:1.05em;background:#111;vertical-align:-2px;animation:blink 1.1s steps(1) infinite}
.phone-keys{display:flex;justify-content:space-between;margin-top:14px;padding-inline:8px;font-family:var(--f-mono);font-size:.72rem;color:#9AA3B8;letter-spacing:.1em;text-transform:uppercase}
@keyframes blink{50%{opacity:0}}
@media (max-width:860px){
  .digital .wrap{grid-template-columns:1fr}
  .phone{justify-self:start}
}
@media (max-width:560px){.feature-list{grid-template-columns:1fr}}

/* Governance */
.gov-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,72px);align-items:start}
.values{margin:0;display:grid;gap:0;border-top:2px solid var(--ink)}
.values div{display:grid;grid-template-columns:160px 1fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--rule);align-items:baseline}
.values dt{font-family:var(--f-display);font-weight:800;font-size:1.35rem;text-transform:uppercase;line-height:1}
.values dd{margin:0;color:var(--muted)}
.gov-table-wrap{overflow-x:auto}
.gov-table{width:100%;border-collapse:collapse;border-top:2px solid var(--ink)}
.gov-table td{padding:14px 0;border-bottom:1px solid var(--rule);vertical-align:baseline}
.gov-table td:first-child{font-weight:700;padding-right:20px;white-space:nowrap}
.gov-table td:last-child{color:var(--muted)}
.safeguards{margin-top:28px;display:grid;gap:10px;font-size:.95rem;color:var(--muted)}
.safeguards strong{color:var(--ink)}
@media (max-width:860px){.gov-grid{grid-template-columns:1fr}}
@media (max-width:480px){.values div{grid-template-columns:1fr;gap:4px}}

/* Contact */
.contact{border-top:1px solid var(--rule)}
.contact .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(36px,6vw,80px);align-items:start}
.contact-details{margin-top:32px;display:grid;gap:18px}
.contact-details div{display:grid;gap:2px}
.contact-details .k{font-family:var(--f-mono);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.contact-details .v{font-size:1.1rem;font-weight:700;user-select:all}
form.join{background:var(--sheet);border:1px solid var(--rule);padding:clamp(22px,3vw,34px);display:grid;gap:18px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:grid;gap:6px}
.field label{font-size:.88rem;font-weight:700}
.field input,.field select,.field textarea{
  font:inherit;font-size:1rem;color:var(--ink);background:var(--paper);
  border:1px solid var(--rule);border-radius:3px;padding:.7em .8em;width:100%;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--focus);outline-offset:0;border-color:transparent}
.field textarea{min-height:96px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted)}
.consent input{margin-top:.3em;accent-color:var(--carbon)}
.form-msg{padding:14px 16px;border-left:4px solid var(--carbon);background:var(--carbon-soft);font-size:.95rem}
.form-err{color:var(--stamp);font-size:.88rem}
@media (max-width:860px){.contact .wrap{grid-template-columns:1fr}}
@media (max-width:520px){.row{grid-template-columns:1fr}}

/* Footer */
footer{background:var(--ink);color:var(--paper);padding-block:48px 40px}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:32px 60px;align-items:end}
footer .vision{font-family:var(--f-display);font-weight:800;font-size:clamp(1.8rem,3.4vw,2.6rem);text-transform:uppercase;line-height:1;max-width:22ch}
footer .legal{font-size:.85rem;opacity:.72;display:grid;gap:6px}
footer .legal a{text-decoration:none}
@media (max-width:760px){footer .wrap{grid-template-columns:1fr}}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}

/* WordPress admin bar offset for the sticky header */
.admin-bar .top{top:32px}
@media (max-width:782px){.admin-bar .top{top:46px}}


/* Spam trap on the membership form, hidden from visitors */
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Plain pages (privacy policy etc.) */
.page-content{max-width:760px}
.page-content h1{font-size:clamp(2.6rem,5.5vw,4.2rem);margin-bottom:28px}
.page-content p,.page-content ul,.page-content ol{margin:0 0 1.1em}