:root{
  --navy:#0e2a4d;        /* NexFund deep navy (logo) */
  --navy-2:#123561;
  --ink:#0d2038;
  --slate:#4a5b6d;
  --line:#e5e9f0;
  --bg:#f5f7fb;
  --surface:#ffffff;
  --gold:#c8a13a;        /* NexFund gold (logo) */
  --gold-2:#e3c25c;
  --gold-dk:#a9862a;
  --accent:#c8a13a;      /* gold — brand accent */
  --accent-dk:#a9862a;
  --radius:16px;
  --radius-sm:10px;
  --shadow-sm:0 1px 2px rgba(10,37,64,.06),0 1px 3px rgba(10,37,64,.05);
  --shadow:0 10px 30px -12px rgba(10,37,64,.18);
  --shadow-lg:0 24px 60px -20px rgba(10,37,64,.28);
  --maxw:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Manrope",system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5{font-family:"Manrope",sans-serif;line-height:1.15;letter-spacing:-.02em;color:var(--navy)}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.accent{color:var(--gold-dk)}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-dk);margin-bottom:12px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:.95rem;padding:12px 22px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .2s ease,background .2s ease;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-lg{padding:15px 30px;font-size:1rem}
.btn-block{display:flex;width:100%}
.btn-primary{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#3a2c06;box-shadow:0 8px 22px -8px rgba(200,161,58,.65)}
.btn-primary:hover{background:linear-gradient(135deg,var(--gold),var(--gold-dk));color:#241b02}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{border-color:var(--accent)}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.btn-wa{background:#25d366;color:#062b1f}
.btn-wa:hover{background:#1fb457;color:#fff}

/* Topbar */
.topbar{background:var(--navy);color:#cfe3ff;font-size:.82rem;text-align:center;padding:9px 16px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800}
.brand-mark{width:38px;height:38px;border-radius:11px;background:linear-gradient(135deg,var(--navy),var(--accent));color:#fff;display:grid;place-items:center;font-size:1.2rem;font-weight:800;box-shadow:var(--shadow)}
.brand-name{font-size:1.35rem;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.nav-links{display:flex;gap:28px;margin-left:auto}
.nav-links a{font-weight:600;color:var(--slate);font-size:.95rem}
.nav-links a:hover{color:var(--navy)}
.nav-cta{margin-left:8px;display:flex;align-items:center;gap:12px}
.nav-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--navy)}
.mobile-menu{display:none;flex-direction:column;gap:6px;padding:16px 22px;border-bottom:1px solid var(--line);background:#fff}
.mobile-menu a{padding:10px;font-weight:600;color:var(--navy)}
.mobile-menu.open{display:flex}

/* Hero */
.hero{background:radial-gradient(1000px 500px at 80% -10%,rgba(200,161,58,.10),transparent 60%),linear-gradient(180deg,#fff, var(--bg));padding:72px 0 60px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:rgba(200,161,58,.12);color:var(--accent-dk);font-weight:700;font-size:.8rem;padding:7px 14px;border-radius:999px;margin-bottom:20px}
.hero h1{font-size:clamp(2.2rem,4.4vw,3.6rem);font-weight:800}
.lead{font-size:1.12rem;color:var(--slate);margin:20px 0 28px;max-width:36ch}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{list-style:none;display:flex;gap:22px;flex-wrap:wrap;margin-top:28px;color:var(--slate);font-weight:600;font-size:.92rem}

/* Hero loan card */
.hero-card{display:flex;justify-content:center}
.loan-card{background:var(--surface);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);padding:28px;width:100%;max-width:380px;position:relative;overflow:hidden}
.loan-card::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--accent),var(--gold))}
.loan-card-top{display:flex;flex-direction:column;gap:4px;padding-bottom:18px;border-bottom:1px dashed var(--line);margin-bottom:6px}
.loan-card-top span{color:var(--slate);font-size:.9rem}
.loan-card-top strong{font-size:2rem;color:var(--navy);font-weight:800}
.loan-card-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line);font-size:.96rem}
.loan-card-row span{color:var(--slate)}
.loan-card-row b{color:var(--navy)}
.loan-card .btn{margin-top:18px}
.loan-card-note{font-size:.75rem;color:var(--slate);margin-top:12px;text-align:center}

/* Stats */
.stats{background:var(--navy);color:#fff;padding:34px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.stats-grid strong{display:block;font-size:1.9rem;font-weight:800;color:#fff}
.stats-grid span{color:#a9c4e4;font-size:.9rem}

/* Sections */
.section{padding:76px 0}
.section.alt{background:linear-gradient(180deg,#fff,var(--bg))}
.section-head{max-width:640px;margin:0 auto 44px;text-align:center}
.section-head h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800}
.section-head p{color:var(--slate);margin-top:12px;font-size:1.05rem}
.narrow{max-width:760px}

/* Cards */
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.product{padding:30px;position:relative;transition:transform .2s ease,box-shadow .2s ease}
.product:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.product.featured{border-color:var(--accent);box-shadow:var(--shadow)}
.badge-pop{position:absolute;top:-12px;right:22px;background:var(--accent);color:#062b1f;font-size:.75rem;font-weight:800;padding:5px 12px;border-radius:999px}
.product-icon{width:52px;height:52px;border-radius:14px;background:rgba(200,161,58,.12);display:grid;place-items:center;font-size:1.5rem;margin-bottom:16px}
.product h3{font-size:1.35rem;margin-bottom:8px}
.product p{color:var(--slate);margin-bottom:16px}
.ticks{list-style:none;display:flex;flex-direction:column;gap:8px;margin-bottom:18px}
.ticks li{position:relative;padding-left:26px;color:var(--ink);font-size:.95rem}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--accent-dk);font-weight:800}
.ticks.big li{font-size:1rem;padding:6px 0 6px 26px}
.card-link{font-weight:700;color:var(--accent-dk)}
.card-link:hover{color:var(--navy)}

/* Calculator */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.calc-copy h2{font-size:clamp(1.6rem,2.6vw,2.2rem)}
.calc-copy p{color:var(--slate);margin:14px 0 24px}
.calc-result{display:flex;gap:16px;margin-bottom:24px}
.calc-result>div{flex:1;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 18px;box-shadow:var(--shadow-sm)}
.calc-result span{display:block;color:var(--slate);font-size:.85rem}
.calc-result strong{font-size:1.5rem;color:var(--navy);font-weight:800}
.calc-panel{padding:28px}
.calc-field{display:block;margin-bottom:22px}
.calc-field>span{display:flex;justify-content:space-between;font-weight:600;color:var(--navy);margin-bottom:10px}
.calc-field>span b{color:var(--accent-dk)}
.calc-field small{color:var(--slate);font-size:.8rem}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:999px;background:var(--line);outline:none;margin:4px 0 6px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--accent);cursor:pointer;box-shadow:0 2px 8px rgba(200,161,58,.5);border:3px solid #fff}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid #fff}
.calc-note{font-size:.78rem;color:var(--slate);margin-top:6px}

/* Features */
.cards-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.feature{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);transition:transform .2s ease}
.feature:hover{transform:translateY(-4px)}
.feature-ic{font-size:1.8rem;margin-bottom:14px}
.feature h4{font-size:1.1rem;margin-bottom:8px}
.feature p{color:var(--slate);font-size:.92rem}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);position:relative}
.step-n{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;font-weight:800;font-size:1.2rem;margin-bottom:16px}
.step h4{margin-bottom:6px}
.step p{color:var(--slate);font-size:.92rem}

/* two col */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.card.soft{padding:30px}
.card.soft h3{font-size:1.3rem;margin-bottom:16px}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),#0e3a63);color:#fff;padding:60px 0}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-inner h2{color:#fff;font-size:2rem}
.cta-inner p{color:#bcd6f2;margin-top:8px}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap}

/* FAQ */
.faq{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;padding:4px 20px;box-shadow:var(--shadow-sm)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--accent-dk)}
.faq[open] summary::after{content:"–"}
.faq p{color:var(--slate);padding:0 0 18px;font-size:.96rem}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.contact-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:20px;font-size:1rem}
.contact-list a{color:var(--navy);font-weight:600}
.contact-list a:hover{color:var(--accent-dk)}
.apply-form{padding:30px;display:flex;flex-direction:column;gap:14px}
.apply-form h3{font-size:1.3rem}
.apply-form label{display:flex;flex-direction:column;gap:6px;font-weight:600;color:var(--navy);font-size:.9rem}
.apply-form input,.apply-form select{padding:12px 14px;border:1px solid var(--line);border-radius:var(--radius-sm);font-size:1rem;font-family:inherit;background:#fbfdff}
.apply-form input:focus,.apply-form select:focus{outline:none;border-color:var(--accent)}
.form-note{font-size:.78rem;color:var(--slate);font-weight:400}

/* Footer */
.site-footer{background:var(--ink);color:#c6d3e2;padding:56px 0 26px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand p{color:#8ea6bf;margin-top:12px;max-width:32ch;font-size:.92rem}
.site-footer h5{color:#fff;margin-bottom:14px;font-size:.95rem}
.site-footer a{display:block;color:#a9bdd2;padding:5px 0;font-size:.92rem}
.site-footer a:hover{color:var(--accent)}
.footer-legal{padding-top:22px;color:#7f96ad;font-size:.8rem}
.footer-legal p{margin-bottom:8px}
.footer-legal strong{color:#c6d3e2}

/* Responsive */
@media(max-width:900px){
  .nav-links,.nav-cta{display:none}
  .nav-toggle{display:block}
  .hero-grid,.calc-grid,.contact-grid,.two-col{grid-template-columns:1fr;gap:34px}
  .cards-3,.cards-4,.steps,.stats-grid{grid-template-columns:1fr 1fr}
  .hero{padding:48px 0}
}
@media(max-width:560px){
  .cards-3,.cards-4,.steps,.stats-grid,.footer-grid{grid-template-columns:1fr}
  .footer-grid{gap:22px}
  .cta-inner{flex-direction:column;align-items:flex-start}
}

/* ===== Brand logo (SVG) ===== */
.brand{display:flex;align-items:center;gap:10px}
.brand-logo{height:50px;width:auto;display:block}
.brand-icon{height:42px;width:auto;display:block}
.site-footer .brand-logo{height:34px}

/* ===== Apply Modal ===== */
.nf-ov{position:fixed;inset:0;background:rgba(9,20,38,.62);backdrop-filter:blur(3px);display:none;align-items:flex-start;justify-content:center;z-index:1000;overflow:auto;padding:28px 16px}
.nf-ov.open{display:flex}
.nf-modal{background:var(--surface);width:min(560px,100%);border-radius:20px;box-shadow:0 40px 90px -30px rgba(9,20,38,.6);overflow:hidden;animation:nfpop .2s ease}
@keyframes nfpop{from{transform:translateY(14px);opacity:0}to{transform:none;opacity:1}}
.nf-mhead{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:20px 24px;display:flex;align-items:center;justify-content:space-between}
.nf-mhead h3{color:#fff;font-size:1.2rem;margin:0}
.nf-mhead p{font-size:.82rem;color:rgba(255,255,255,.75);margin-top:3px}
.nf-x{background:rgba(255,255,255,.14);border:0;color:#fff;width:32px;height:32px;border-radius:50%;font-size:18px;cursor:pointer;flex:none}
.nf-x:hover{background:rgba(255,255,255,.28)}
.nf-mbody{padding:24px}
.nf-steps{display:flex;gap:8px;margin-bottom:18px}
.nf-dot{flex:1;height:5px;border-radius:999px;background:var(--line)}
.nf-dot.on{background:var(--gold)}
/* loan type choice */
.nf-choice{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.nf-type{border:2px solid var(--line);border-radius:16px;padding:22px 18px;cursor:pointer;text-align:center;transition:.15s;background:var(--surface)}
.nf-type:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:var(--shadow)}
.nf-type .ic{font-size:34px;display:block;margin-bottom:10px}
.nf-type h4{color:var(--navy);font-size:1.05rem;margin-bottom:4px}
.nf-type span{font-size:.82rem;color:var(--slate)}
/* form */
.nf-form label{display:block;font-weight:600;font-size:.86rem;color:var(--navy);margin:14px 0 6px}
.nf-form label:first-child{margin-top:0}
.nf-form input,.nf-form select,.nf-form textarea{width:100%;font-family:inherit;font-size:.95rem;padding:12px 14px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--ink)}
.nf-form input:focus,.nf-form select:focus,.nf-form textarea:focus{outline:2px solid rgba(200,161,58,.35);border-color:var(--gold)}
.nf-form textarea{min-height:56px;resize:vertical}
.nf-back{background:none;border:0;color:var(--slate);font-weight:600;cursor:pointer;font-size:.88rem;padding:6px 0}
.nf-back:hover{color:var(--navy)}
.nf-mfoot{display:flex;gap:10px;align-items:center;margin-top:20px}
.nf-mfoot .btn{flex:1}
.nf-pill{display:inline-flex;align-items:center;gap:7px;background:rgba(200,161,58,.14);color:var(--gold-dk);font-weight:700;font-size:.8rem;padding:5px 12px;border-radius:999px;margin-bottom:16px}
.nf-note{font-size:.76rem;color:var(--slate);margin-top:12px;line-height:1.5}
/* success */
.nf-done{text-align:center;padding:14px 6px}
.nf-done .tick{width:66px;height:66px;border-radius:50%;background:rgba(200,161,58,.12);color:#12b981;display:grid;place-items:center;font-size:34px;margin:0 auto 16px}
.nf-done h3{color:var(--navy);margin-bottom:8px}
.nf-done p{color:var(--slate)}
@media(max-width:520px){.nf-choice{grid-template-columns:1fr}}

/* ===== Brand wordmark (override) ===== */
.brand-mark{position:relative;width:42px;height:42px;border-radius:12px;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;font-size:1.3rem;font-weight:800;box-shadow:var(--shadow);overflow:hidden}
.brand-mark .arr{position:absolute;right:5px;top:4px;font-style:normal;font-size:.72rem;color:var(--gold)}
.brand-wm{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-size:1.3rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.brand-my{font-size:.62rem;font-weight:600;color:var(--slate);letter-spacing:.04em;margin-top:2px}
@media(max-width:600px){.brand-my{display:none}}

/* ===== Content / guide pages ===== */
.article-hero{background:linear-gradient(180deg,#fff,var(--bg));padding:48px 0 24px;border-bottom:1px solid var(--line)}
.crumbs{font-size:.85rem;color:var(--slate);margin-bottom:14px}
.crumbs a{color:var(--gold-dk);font-weight:600}
.article{max-width:760px;margin:0 auto;padding:44px 22px 60px}
.article h1{font-size:clamp(1.9rem,4vw,2.7rem);font-weight:800;line-height:1.15;margin-bottom:16px}
.article .meta{color:var(--slate);font-size:.9rem;margin-bottom:8px}
.article h2{font-size:1.5rem;font-weight:800;margin:36px 0 12px;color:var(--navy)}
.article h3{font-size:1.15rem;font-weight:700;margin:24px 0 8px;color:var(--navy)}
.article p{color:var(--ink);margin-bottom:14px;font-size:1.05rem;line-height:1.75}
.article ul{margin:0 0 16px 0;padding-left:22px;color:var(--ink)}
.article li{margin-bottom:8px;line-height:1.7}
.article strong{color:var(--navy)}
.article .lead{font-size:1.18rem;color:var(--slate);margin-bottom:8px}
.article-cta{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:20px;padding:32px;text-align:center;margin:40px 0}
.article-cta h3{color:#fff;font-size:1.5rem;margin-bottom:8px}
.article-cta p{color:rgba(255,255,255,.82);margin-bottom:20px}
.article table.rate{width:100%;border-collapse:collapse;margin:16px 0;font-size:.98rem}
.article table.rate th,.article table.rate td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article table.rate th{background:var(--bg);color:var(--navy);font-weight:700}
.guide-links{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:8px}
.guide-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .2s}
.guide-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.guide-card .gk{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-dk)}
.guide-card h3{font-size:1.1rem;margin:8px 0 6px;color:var(--navy)}
.guide-card p{color:var(--slate);font-size:.92rem;margin:0}
@media(max-width:760px){.guide-links{grid-template-columns:1fr}}

/* ===== Language switcher ===== */
body{font-family:"Manrope","Noto Sans SC",system-ui,-apple-system,sans-serif}
.lang-seg{display:inline-flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;margin-right:8px}
.lang-seg button{border:0;background:#fff;color:var(--slate);font-family:inherit;font-weight:700;font-size:.8rem;padding:7px 11px;cursor:pointer;line-height:1;transition:background .15s}
.lang-seg button.on{background:var(--navy);color:#fff}
.lang-seg button:not(:last-child){border-right:1px solid var(--line)}

/* language switcher — anchor variant (guide pages) */
.lang-seg a{border:0;background:#fff;color:var(--slate);font-family:inherit;font-weight:700;font-size:.8rem;padding:7px 11px;cursor:pointer;line-height:1;display:inline-flex;align-items:center}
.lang-seg a.on{background:var(--navy);color:#fff}
.lang-seg a:not(:last-child){border-right:1px solid var(--line)}


/* language dropdown */
.lang-dd{position:relative}
.lang-cur{display:inline-flex;align-items:center;gap:7px;font-family:inherit;font-weight:600;font-size:.82rem;color:var(--navy);background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 13px;cursor:pointer;line-height:1}
.lang-cur:hover{border-color:var(--gold)}
.lang-caret{font-size:.7rem;opacity:.55}
.lang-menu{position:absolute;top:calc(100% + 8px);right:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:6px;min-width:180px;display:none;z-index:60}
.lang-menu.open{display:block}
.lang-menu button{display:block;width:100%;text-align:left;font-family:inherit;font-size:.9rem;color:var(--ink);background:none;border:0;border-radius:8px;padding:10px 12px;cursor:pointer}
.lang-menu button:hover{background:var(--bg)}
.lang-menu button.on{background:rgba(200,161,58,.12);color:var(--gold-dk);font-weight:700}

/* ===== Nav hover dropdowns (grouped menu) ===== */
.nav-links .nav-item{position:relative;display:flex;align-items:center}
.nav-links .nav-top{font-weight:600;color:var(--slate);font-size:.95rem;cursor:pointer;display:inline-flex;align-items:center}
.nav-links .nav-top::after{content:"▾";font-size:.7em;margin-left:5px;opacity:.6}
.nav-links .nav-item:hover .nav-top{color:var(--navy)}
.nav-links .nav-item::before{content:"";position:absolute;top:100%;left:-10px;right:-10px;height:16px}
.nav-dd{position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(8px);min-width:194px;background:#fff;border:1px solid #e7e9f2;border-radius:14px;box-shadow:0 18px 42px -14px rgba(20,30,80,.30);padding:8px;display:flex;flex-direction:column;gap:2px;opacity:0;visibility:hidden;transition:opacity .16s ease,transform .16s ease,visibility .16s;z-index:60}
.nav-links .nav-item:hover .nav-dd,.nav-links .nav-item:focus-within .nav-dd{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.nav-dd a{padding:10px 14px;border-radius:9px;white-space:nowrap;font-size:.92rem;color:var(--slate)}
.nav-dd a:hover{background:#f3f6fc;color:var(--navy)}

/* Language dropdown — also open on hover (static sub-pages have no JS) */
.lang-dd:hover .lang-menu{display:block}
.lang-dd::after{content:"";position:absolute;top:100%;left:0;right:0;height:10px}
.lang-menu a{display:block;width:100%;text-align:left;font-family:inherit;font-size:.9rem;color:var(--ink);text-decoration:none;border-radius:8px;padding:10px 12px}
.lang-menu a:hover{background:var(--bg)}
.lang-menu a.on{background:rgba(200,161,58,.12);color:var(--gold-dk);font-weight:700}