:root {
  --ink: #10203e;
  --ink-soft: #53627a;
  --navy: #0d2452;
  --navy-deep: #071a3d;
  --blue: #158ff2;
  --blue-dark: #0874cf;
  --sky: #e9f7ff;
  --sky-deep: #d9f1fc;
  --yellow: #ffdf3c;
  --yellow-soft: #fff4b6;
  --mint: #eaf7ef;
  --white: #ffffff;
  --paper: #f6f9fc;
  --line: #dfe8f0;
  --shadow: 0 22px 60px rgba(21, 55, 94, 0.12);
  --radius: 28px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 95px; }
body {
  margin: 0;
  overflow-x: hidden;
  color: var(--ink);
  background: var(--white);
  font-family: "DM Sans", "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3, .proof-number, .loan-amount, .term-display {
  font-family: "Space Grotesk", "Segoe UI", Arial, sans-serif;
  letter-spacing: -0.035em;
}
h2 {
  margin-bottom: 22px;
  font-size: clamp(2.3rem, 4.1vw, 4rem);
  font-weight: 600;
  line-height: 1.06;
}
p { color: var(--ink-soft); }
svg { display: block; }

.skip-link {
  position: fixed; top: -80px; left: 16px; z-index: 9999;
  padding: 12px 18px; border-radius: 10px; color: var(--white);
  background: var(--navy); transition: top 0.2s ease;
}
.skip-link:focus { top: 16px; }

.site-header {
  position: fixed; top: 0; left: 0; z-index: 1000; width: 100%;
  border-bottom: 1px solid transparent; background: rgba(255,255,255,0.82);
  backdrop-filter: blur(18px);
  transition: background 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
.site-header.is-scrolled {
  border-color: rgba(13,36,82,0.08); background: rgba(255,255,255,0.95);
  box-shadow: 0 10px 35px rgba(20,48,86,0.07);
}
.nav-shell {
  display: flex; align-items: center; width: min(1240px, calc(100% - 48px));
  height: 84px; margin: 0 auto;
}
.brand { display: inline-flex; flex: 0 0 auto; align-items: center; }
.brand img { width: auto; height: 50px; }
.desktop-nav { display: flex; align-items: center; gap: 32px; margin-left: 58px; }
.desktop-nav a { position: relative; color: #31415d; font-size: 0.92rem; font-weight: 600; }
.desktop-nav a::after {
  position: absolute; right: 0; bottom: -8px; left: 0; height: 2px;
  border-radius: 5px; background: var(--blue); content: "";
  transform: scaleX(0); transform-origin: right; transition: transform 0.25s ease;
}
.desktop-nav a:hover::after, .desktop-nav a:focus-visible::after {
  transform: scaleX(1); transform-origin: left;
}
.nav-actions { display: flex; align-items: center; gap: 20px; margin-left: auto; }
.privacy-link {
  display: inline-flex; align-items: center; gap: 7px; color: #46566e;
  font-size: 0.86rem; font-weight: 600; transition: color 0.2s ease;
}
.privacy-link:hover { color: var(--blue-dark); }
.privacy-link svg {
  width: 18px; height: 18px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.8;
}

.btn-primary, .btn-secondary, .btn-dark, .btn-outline-dark {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 13px 22px; border: 1px solid transparent;
  border-radius: 14px; font-weight: 700; line-height: 1.2;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}
.btn-primary { color: var(--white); background: var(--blue); box-shadow: 0 10px 24px rgba(21,143,242,0.22); }
.btn-primary:hover {
  color: var(--white); background: var(--blue-dark);
  box-shadow: 0 14px 30px rgba(21,143,242,0.3); transform: translateY(-2px);
}
.btn-primary svg, .btn-secondary svg, .btn-dark svg, .btn-outline-dark svg {
  width: 19px; height: 19px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.8;
}
.nav-cta { min-height: 43px; padding: 11px 18px; border-radius: 12px; font-size: 0.88rem; }
.menu-toggle {
  display: none; width: 46px; height: 46px; margin-left: auto; padding: 0;
  border: 1px solid var(--line); border-radius: 13px; background: var(--white); cursor: pointer;
}
.menu-toggle span {
  display: block; width: 19px; height: 2px; margin: 5px auto; border-radius: 2px;
  background: var(--ink); transition: transform 0.2s ease;
}
.menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3.5px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3.5px) rotate(-45deg); }
.mobile-menu {
  display: none; flex-direction: column; position: absolute; top: 80px; left: 20px; right: 20px;
  padding: 18px; border: 1px solid rgba(13,36,82,0.08); border-radius: 22px;
  background: var(--white); box-shadow: 0 24px 70px rgba(8,35,73,0.16);
}
.mobile-menu.is-open { display: flex; }
.mobile-menu > a { padding: 12px 10px; border-bottom: 1px solid #edf1f5; font-weight: 600; }
.mobile-menu > a:last-child { border-bottom: 0; }
.mobile-privacy {
  display: flex; align-items: center; justify-content: space-between; color: var(--blue-dark);
}
.mobile-privacy svg {
  width: 18px; height: 18px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.8;
}

.hero {
  position: relative; overflow: hidden; padding: 158px 0 98px;
  background:
    radial-gradient(circle at 8% 25%, rgba(255,223,60,0.2), transparent 22%),
    radial-gradient(circle at 88% 18%, rgba(21,143,242,0.14), transparent 26%),
    linear-gradient(120deg, #fbfdff 0%, #f3fbff 55%, #fffceb 100%);
}
.hero::before {
  position: absolute; top: 150px; right: 5%; width: 180px; height: 180px;
  border: 1px dashed rgba(21,143,242,0.25); border-radius: 50%; content: "";
}
.hero-grid {
  position: relative; z-index: 2; display: grid; grid-template-columns: 1.02fr 0.98fr;
  gap: 58px; align-items: center; width: min(1220px, calc(100% - 48px)); margin: 0 auto;
}
.hero-copy h1 {
  max-width: 690px; margin-bottom: 25px;
  font-size: clamp(3.2rem, 5.6vw, 5.45rem); font-weight: 600; line-height: 0.99;
}
.highlight { background: linear-gradient(transparent 70%, rgba(255,223,60,0.82) 70%); }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: 20px;
  color: var(--blue-dark); font-size: 0.77rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
}
.eyebrow > span { width: 28px; height: 2px; border-radius: 2px; background: var(--blue); }
.eyebrow.light { color: #8dd2ff; }
.eyebrow.light > span, .eyebrow.dark > span { background: currentColor; }
.eyebrow.dark { color: #5c4b00; }
.hero-lead {
  max-width: 650px; margin-bottom: 30px; color: #4a5a72;
  font-size: 1.13rem; line-height: 1.75;
}
.hero-lead strong { color: var(--ink); font-weight: 700; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; }
.btn-large { min-height: 56px; padding: 16px 25px; border-radius: 15px; }
.btn-secondary {
  border-color: #cfdae5; color: var(--ink); background: rgba(255,255,255,0.76);
}
.btn-secondary:hover {
  border-color: #abc7da; color: var(--ink); background: var(--white); transform: translateY(-2px);
}
.hero-notes {
  display: flex; flex-wrap: wrap; gap: 12px 24px; margin-top: 30px;
  color: #5d6c82; font-size: 0.82rem; font-weight: 600;
}
.hero-notes span { display: inline-flex; align-items: center; gap: 8px; }
.hero-notes i {
  display: inline-block; width: 7px; height: 7px; border-radius: 50%;
  background: #36b77b; box-shadow: 0 0 0 4px rgba(54,183,123,0.12);
}
.hero-visual { position: relative; min-height: 650px; padding: 20px 0 20px 30px; }
.visual-backdrop {
  position: absolute; top: 7%; right: 2%; bottom: 6%; left: 8%;
  border-radius: 43% 57% 47% 53% / 52% 40% 60% 48%;
  background: linear-gradient(145deg, #dff8ff 0%, #dcecff 55%, #fff5aa 100%);
  transform: rotate(-3deg);
}
.phone-frame {
  position: relative; z-index: 2; width: calc(100% - 22px); margin-left: auto;
  padding: 10px; border: 1px solid rgba(255,255,255,0.9); border-radius: 40px;
  background: rgba(255,255,255,0.92); box-shadow: 0 34px 80px rgba(25,72,118,0.2);
  transform: rotate(1.2deg);
}
.phone-frame img { width: 100%; border-radius: 32px; }
.floating-card {
  position: absolute; z-index: 4; display: flex; align-items: center; gap: 11px;
  padding: 13px 16px; border: 1px solid rgba(255,255,255,0.9); border-radius: 17px;
  background: rgba(255,255,255,0.95); box-shadow: 0 16px 40px rgba(22,63,101,0.17);
  backdrop-filter: blur(12px); animation: float 5s ease-in-out infinite;
}
.floating-amount { top: 88px; left: -2px; }
.floating-term { right: -5px; bottom: 118px; animation-delay: -2s; }
.float-icon {
  display: grid; place-items: center; flex: 0 0 auto; width: 40px; height: 40px;
  border-radius: 12px; color: var(--blue-dark); background: #e5f5ff;
}
.float-icon svg {
  width: 22px; height: 22px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.8;
}
.term-icon { color: #6e5c00; background: var(--yellow-soft); }
.floating-card small, .floating-badge small {
  display: block; margin-bottom: 1px; color: #738096;
  font-size: 0.67rem; font-weight: 600; line-height: 1.35;
}
.floating-card strong {
  display: block; color: var(--ink); font-family: "Space Grotesk", "Segoe UI", sans-serif;
  font-size: 1rem; line-height: 1.2;
}
.floating-badge {
  position: absolute; z-index: 4; bottom: 47px; left: 2px; display: flex;
  align-items: center; gap: 10px; padding: 12px 16px; border-radius: 15px;
  color: var(--white); background: rgba(13,36,82,0.94); box-shadow: 0 16px 40px rgba(13,36,82,0.22);
}
.floating-badge strong { display: block; font-size: 0.76rem; line-height: 1.4; }
.floating-badge small { color: rgba(255,255,255,0.64); }
.status-dot {
  flex: 0 0 auto; width: 9px; height: 9px; border-radius: 50%;
  background: #58e6a3; box-shadow: 0 0 0 5px rgba(88,230,163,0.13);
}
.hero-orbit { position: absolute; border-radius: 50%; pointer-events: none; }
.orbit-one {
  top: 34%; left: -72px; width: 150px; height: 150px;
  border: 30px solid rgba(255,223,60,0.22);
}
.orbit-two {
  right: -45px; bottom: 9%; width: 120px; height: 120px;
  background: rgba(21,143,242,0.08);
}
.proof-strip { padding: 0; color: var(--white); background: var(--navy); }
.proof-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  width: min(1180px, calc(100% - 48px)); margin: 0 auto;
}
.proof-item { padding: 31px 34px; border-right: 1px solid rgba(255,255,255,0.11); }
.proof-item:first-child { border-left: 1px solid rgba(255,255,255,0.11); }
.proof-number {
  display: block; margin-bottom: 3px; color: var(--yellow);
  font-size: clamp(1.75rem, 2.8vw, 2.45rem); font-weight: 600; line-height: 1.12;
}
.proof-label {
  color: rgba(255,255,255,0.64); font-size: 0.79rem; font-weight: 500; letter-spacing: 0.03em;
}

.section { padding: 110px 0; }
.section-shell {
  position: relative; width: min(1180px, calc(100% - 48px)); margin: 0 auto;
}
.section-heading { margin-bottom: 48px; }
.section-heading h2 { margin-bottom: 0; }
.split-heading {
  display: grid; grid-template-columns: 1.5fr 0.5fr; gap: 70px; align-items: end;
}
.split-heading > p { margin-bottom: 4px; font-size: 1rem; line-height: 1.75; }
.features-section {
  background:
    linear-gradient(rgba(255,255,255,0.66), rgba(255,255,255,0.66)),
    radial-gradient(circle at 8% 14%, #e5f7ff 0, transparent 26%),
    radial-gradient(circle at 92% 86%, #fff7c5 0, transparent 27%),
    var(--paper);
}
.feature-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.feature-card {
  position: relative; overflow: hidden; min-height: 306px; padding: 32px;
  border: 1px solid rgba(13,36,82,0.07); border-radius: var(--radius);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.feature-card::after {
  position: absolute; right: -45px; bottom: -70px; width: 180px; height: 180px;
  border: 1px solid rgba(13,36,82,0.09); border-radius: 50%; content: "";
}
.feature-card:hover { box-shadow: var(--shadow); transform: translateY(-6px); }
.feature-blue { background: #e3f4fd; }
.feature-yellow { background: #fff4bd; }
.feature-mint { background: var(--mint); }
.feature-white { background: var(--white); }
.feature-top {
  display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 34px;
}
.feature-icon {
  display: grid; place-items: center; width: 62px; height: 62px;
  border-radius: 18px; color: var(--blue-dark); background: rgba(255,255,255,0.76);
  box-shadow: 0 10px 24px rgba(13,36,82,0.07);
}
.feature-yellow .feature-icon { color: #5e4d00; }
.feature-icon svg {
  width: 31px; height: 31px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6;
}
.feature-index {
  color: rgba(13,36,82,0.35); font-family: "Space Grotesk", sans-serif;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.1em;
}
.feature-card h3 {
  max-width: 430px; margin-bottom: 12px;
  font-size: clamp(1.5rem, 2.1vw, 2rem); font-weight: 600; line-height: 1.15;
}
.feature-card p {
  max-width: 470px; margin-bottom: 20px; color: #42536c;
  font-size: 0.93rem; line-height: 1.75;
}
.feature-detail {
  display: flex; align-items: center; gap: 8px; color: #32465e;
  font-size: 0.73rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase;
}
.feature-detail span { width: 7px; height: 7px; border-radius: 50%; background: var(--blue); }
.feature-yellow .feature-detail span { background: #a88700; }
.feature-mint .feature-detail span { background: #2d9b68; }
.text-link {
  display: inline-flex; align-items: center; gap: 7px;
  color: var(--blue-dark); font-size: 0.85rem; font-weight: 700;
}
.text-link span { font-size: 1rem; transition: transform 0.2s ease; }
.text-link:hover span { transform: translate(3px, -3px); }

.about-section { background: var(--white); }
.about-grid {
  display: grid; grid-template-columns: 0.96fr 1.04fr; gap: 88px; align-items: center;
}
.about-visual { position: relative; padding: 20px 24px 60px 0; }
.about-image-wrap {
  position: relative; z-index: 2; overflow: hidden; border-radius: 32px;
  box-shadow: 0 24px 65px rgba(17,53,88,0.14);
}
.about-image-wrap::after {
  position: absolute; inset: 0; content: "";
  background: linear-gradient(180deg, transparent 62%, rgba(13,36,82,0.17));
}
.about-image-wrap img { width: 100%; aspect-ratio: 1.33 / 1; object-fit: cover; }
.about-ring {
  position: absolute; top: -20px; right: -8px; width: 160px; height: 160px;
  border: 34px solid var(--yellow); border-radius: 50%; opacity: 0.7;
}
.about-note {
  position: absolute; z-index: 4; right: -24px; bottom: 25px; display: flex;
  align-items: center; gap: 13px; min-width: 270px; padding: 16px 20px;
  border: 1px solid rgba(13,36,82,0.07); border-radius: 18px;
  background: var(--white); box-shadow: 0 18px 45px rgba(13,36,82,0.14);
}
.note-mark {
  display: grid; place-items: center; flex: 0 0 auto; width: 42px; height: 42px;
  border-radius: 12px; color: var(--navy); background: var(--yellow);
  font-family: "Space Grotesk", sans-serif; font-size: 1.35rem; font-weight: 700;
}
.about-note strong { display: block; color: var(--ink); font-size: 0.82rem; }
.about-note small { display: block; color: #748197; font-size: 0.7rem; }
.about-copy h2 { font-size: clamp(2.35rem, 3.6vw, 3.55rem); }
.about-copy > p { margin-bottom: 28px; font-size: 1.01rem; line-height: 1.8; }
.about-copy > p strong { color: var(--ink); }
.check-list { display: grid; gap: 13px; margin: 0 0 30px; padding: 0; list-style: none; }
.check-list li {
  display: flex; align-items: center; gap: 12px; color: #3e4f67;
  font-size: 0.92rem; font-weight: 500;
}
.check-list li > span {
  display: grid; place-items: center; flex: 0 0 auto; width: 25px; height: 25px;
  border-radius: 50%; color: #15724c; background: #def6e8;
}
.check-list svg {
  width: 15px; height: 15px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 2.3;
}
.btn-dark { color: var(--white); background: var(--navy); }
.btn-dark:hover {
  color: var(--white); background: #071a3d;
  box-shadow: 0 12px 30px rgba(13,36,82,0.2); transform: translateY(-2px);
}

.loan-details-section {
  position: relative; overflow: hidden; padding: 110px 0;
  color: var(--white); background: var(--navy);
}
.loan-details-grid {
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 85px; align-items: center;
}
.loan-copy h2 { color: var(--white); font-size: clamp(2.35rem, 3.8vw, 3.7rem); }
.loan-copy > p { color: rgba(235,245,255,0.7); font-size: 1rem; line-height: 1.8; }
.loan-tags { display: flex; flex-wrap: wrap; gap: 9px; margin: 29px 0 26px; }
.loan-tags span {
  padding: 8px 13px; border: 1px solid rgba(255,255,255,0.16); border-radius: 999px;
  color: #d8ecff; background: rgba(255,255,255,0.055); font-size: 0.74rem; font-weight: 600;
}
.loan-small {
  margin-bottom: 0; padding-left: 16px; border-left: 2px solid rgba(255,223,60,0.7);
  font-size: 0.76rem !important; line-height: 1.75 !important;
}
.loan-glow { position: absolute; border-radius: 50%; pointer-events: none; }
.loan-glow-one {
  top: -190px; left: -100px; width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(21,143,242,0.24), transparent 68%);
}
.loan-glow-two {
  right: -120px; bottom: -180px; width: 470px; height: 470px;
  background: radial-gradient(circle, rgba(255,223,60,0.12), transparent 68%);
}
.loan-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.loan-stat-card { position: relative; min-width: 0; padding: 26px; border-radius: 22px; color: var(--ink); }
.amount-card { background: var(--yellow); }
.term-card { background: #f6fbff; }
.loan-card-label {
  display: block; margin-bottom: 28px; color: rgba(13,36,82,0.62);
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
}
.loan-amount {
  display: flex; align-items: flex-start; min-height: 67px;
  font-size: clamp(2rem, 3.1vw, 2.9rem); font-weight: 600; line-height: 1; white-space: nowrap;
}
.loan-amount > span { margin-top: 6px; margin-right: 2px; font-size: 0.48em; }
.loan-amount small {
  align-self: flex-end; margin: 0 0 6px 7px; color: rgba(13,36,82,0.54);
  font-family: "DM Sans", sans-serif; font-size: 0.3em; font-weight: 600; letter-spacing: 0;
}
.loan-meter { overflow: hidden; height: 6px; margin-top: 25px; border-radius: 99px; background: rgba(13,36,82,0.14); }
.loan-meter span { display: block; height: 100%; border-radius: inherit; background: var(--navy); }
.loan-card-foot {
  display: flex; align-items: center; justify-content: space-between; margin-top: 15px;
  color: rgba(13,36,82,0.66); font-size: 0.67rem; font-weight: 600;
}
.loan-card-foot svg {
  width: 17px; height: 17px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6;
}
.term-display {
  display: flex; align-items: baseline; min-height: 67px;
  font-size: clamp(2rem, 3vw, 2.8rem); font-weight: 600; line-height: 1; white-space: nowrap;
}
.term-display > span { margin: 0 3px; color: #7d899b; font-size: 0.55em; }
.term-display small {
  margin-left: 7px; color: #77859a; font-family: "DM Sans", sans-serif;
  font-size: 0.32em; font-weight: 600; letter-spacing: 0;
}
.term-track { display: flex; justify-content: space-between; align-items: center; margin-top: 25px; }
.term-track span {
  width: 8px; height: 8px; border: 2px solid #84abd0; border-radius: 50%; background: #f6fbff;
}
.term-track span:nth-child(3), .term-track span:nth-child(4) { border-color: var(--blue); background: var(--blue); }
.loan-side-note {
  grid-column: 1 / -1; display: flex; align-items: center; gap: 14px; padding: 17px 20px;
  border: 1px solid rgba(255,255,255,0.12); border-radius: 17px;
  color: #cfe6fb; background: rgba(255,255,255,0.06);
}
.loan-side-note > svg {
  flex: 0 0 auto; width: 27px; height: 27px; fill: none; stroke: var(--yellow);
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.6;
}
.loan-side-note strong { display: block; color: var(--white); font-size: 0.78rem; }
.loan-side-note a { color: #9dd8ff; font-size: 0.72rem; font-weight: 600; }
.loan-side-note a:hover { color: var(--white); }

.how-section {
  background:
    radial-gradient(circle at 90% 14%, rgba(255,223,60,0.2), transparent 22%),
    var(--sky);
}
.centered { max-width: 690px; margin-right: auto; margin-left: auto; text-align: center; }
.centered .eyebrow { justify-content: center; }
.centered > p { max-width: 580px; margin-right: auto; margin-left: auto; font-size: 1rem; }
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.step-card {
  position: relative; padding: 26px 23px 28px; border: 1px solid rgba(13,36,82,0.07);
  border-radius: 22px; background: rgba(255,255,255,0.88);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.step-card:hover { box-shadow: 0 20px 45px rgba(15,52,88,0.1); transform: translateY(-5px); }
.step-number {
  position: absolute; top: 22px; right: 22px; color: #a9b6c4;
  font-family: "Space Grotesk", sans-serif; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em;
}
.step-icon {
  display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 26px;
  border-radius: 15px; color: var(--blue-dark); background: #e4f4fd;
}
.step-card:nth-child(2) .step-icon { color: #725e00; background: #fff2ac; }
.step-card:nth-child(3) .step-icon { color: #1c7b55; background: #ddf5e8; }
.step-card:nth-child(4) .step-icon { color: #fff; background: var(--navy); }
.step-icon svg {
  width: 27px; height: 27px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.7;
}
.step-card h3 { margin-bottom: 9px; font-size: 1.22rem; font-weight: 600; line-height: 1.2; }
.step-card p { margin-bottom: 0; font-size: 0.83rem; line-height: 1.65; }
.process-note { margin: 25px 0 0; color: #7a899d; font-size: 0.72rem; text-align: center; }

.questions-section { background: var(--white); }
.questions-grid { display: grid; grid-template-columns: 0.76fr 1.24fr; gap: 92px; align-items: start; }
.questions-copy { position: sticky; top: 120px; }
.questions-copy h2 { font-size: clamp(2.4rem, 3.7vw, 3.7rem); }
.questions-copy > p { margin-bottom: 24px; font-size: 0.96rem; }
.questions-copy .btn-secondary { padding-right: 18px; padding-left: 18px; font-size: 0.82rem; }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 23px 0; color: var(--ink); font-family: "Space Grotesk", "Segoe UI", sans-serif;
  font-size: 1.08rem; font-weight: 600; line-height: 1.35; list-style: none; cursor: pointer;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-plus {
  position: relative; flex: 0 0 auto; width: 30px; height: 30px;
  border-radius: 50%; background: #edf4f8; transition: background 0.2s ease;
}
.faq-plus::before, .faq-plus::after {
  position: absolute; top: 50%; left: 50%; width: 10px; height: 1.5px;
  border-radius: 2px; background: var(--ink); content: ""; transition: transform 0.2s ease;
}
.faq-plus::before { transform: translate(-50%, -50%); }
.faq-plus::after { transform: translate(-50%, -50%) rotate(90deg); }
details[open] .faq-plus { background: var(--yellow); }
details[open] .faq-plus::after { transform: translate(-50%, -50%) rotate(0); }
.faq-answer { padding: 0 48px 22px 0; }
.faq-answer p { margin-bottom: 0; color: #5a687c; font-size: 0.9rem; line-height: 1.75; }
.faq-answer strong { color: var(--ink); }

.final-cta { position: relative; overflow: hidden; padding: 95px 0 80px; background: var(--yellow); }
.cta-pattern {
  position: absolute; top: -85px; right: 12%; width: 280px; height: 280px;
  border: 55px solid rgba(255,255,255,0.34); border-radius: 50%;
}
.cta-grid { display: grid; grid-template-columns: 1.08fr 0.92fr; gap: 40px; align-items: center; }
.cta-copy { position: relative; z-index: 2; }
.cta-copy h2 { max-width: 620px; margin-bottom: 20px; font-size: clamp(2.8rem, 5vw, 5rem); line-height: 0.99; }
.cta-copy > p { max-width: 540px; margin-bottom: 27px; color: #514b30; font-size: 1rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-outline-dark { border-color: rgba(13,36,82,0.5); color: var(--navy); background: transparent; }
.btn-outline-dark:hover { color: var(--navy); background: rgba(255,255,255,0.3); transform: translateY(-2px); }
.cta-visual { position: relative; padding: 18px 22px; }
.cta-visual::before {
  position: absolute; inset: 7% 0 3% 7%; content: "";
  border-radius: 50% 50% 44% 56% / 58% 46% 54% 42%;
  background: rgba(255,255,255,0.38); transform: rotate(3deg);
}
.cta-visual img {
  position: relative; z-index: 2; overflow: hidden; width: 100%;
  border: 8px solid rgba(255,255,255,0.7); border-radius: 32px;
  box-shadow: 0 24px 60px rgba(101,83,0,0.18); transform: rotate(-2deg);
}
.cta-sticker {
  position: absolute; z-index: 4; padding: 10px 15px; border-radius: 999px;
  color: var(--white); background: var(--navy); box-shadow: 0 10px 24px rgba(13,36,82,0.2);
  font-family: "Space Grotesk", "Segoe UI", sans-serif; font-size: 0.78rem; font-weight: 600;
}
.sticker-top { top: 2px; right: 2px; transform: rotate(3deg); }
.sticker-bottom {
  bottom: 3px; left: 0; color: var(--navy); background: var(--white); transform: rotate(-2deg);
}

.site-footer { padding: 70px 0 26px; color: var(--white); background: var(--navy-deep); }
.footer-shell { width: min(1180px, calc(100% - 48px)); margin: 0 auto; }
.footer-main { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 90px; padding-bottom: 55px; }
.footer-brand img {
  width: auto; height: 56px; margin-bottom: 20px; padding: 4px 8px;
  border-radius: 10px; background: var(--white);
}
.footer-brand > p { max-width: 380px; margin-bottom: 21px; color: rgba(255,255,255,0.57); font-size: 0.9rem; }
.footer-privacy {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--yellow); font-size: 0.82rem; font-weight: 700;
}
.footer-privacy span { transition: transform 0.2s ease; }
.footer-privacy:hover span { transform: translate(3px, -3px); }
.footer-links { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 45px; }
.footer-links h3 {
  margin-bottom: 17px; color: rgba(255,255,255,0.94); font-family: "DM Sans", sans-serif;
  font-size: 0.76rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
}
.footer-links a, .footer-links p {
  display: block; margin-bottom: 10px; color: rgba(255,255,255,0.55);
  font-size: 0.8rem; line-height: 1.65;
}
.footer-links a:hover { color: var(--white); }
.footer-bottom {
  display: flex; justify-content: space-between; gap: 30px; padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.footer-bottom p { margin: 0; color: rgba(255,255,255,0.4); font-size: 0.68rem; line-height: 1.6; }
.footer-bottom p:last-child { text-align: right; }
.privacy-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 900; display: flex;
  align-items: center; gap: 8px; padding: 11px 15px;
  border: 1px solid rgba(255,255,255,0.52); border-radius: 999px;
  color: var(--white); background: var(--blue-dark); box-shadow: 0 12px 35px rgba(8,58,104,0.28);
  font-size: 0.76rem; font-weight: 700; transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.privacy-float:hover {
  color: var(--white); box-shadow: 0 16px 40px rgba(8,58,104,0.36); transform: translateY(-3px);
}
.privacy-float svg {
  width: 19px; height: 19px; fill: none; stroke: currentColor;
  stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.7;
}
.reveal { opacity: 0; transform: translateY(25px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-delay { transition-delay: 0.11s; }
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
:focus-visible { outline: 3px solid rgba(21,143,242,0.5); outline-offset: 3px; }

@media (max-width: 1080px) {
  .desktop-nav { display: none; }
  .nav-actions { margin-left: auto; margin-right: 12px; }
  .menu-toggle { display: block; margin-left: 0; }
  .hero-grid { gap: 30px; }
  .hero-visual { min-height: 590px; padding-left: 10px; }
  .floating-amount { left: -5px; }
  .about-grid { gap: 55px; }
  .loan-details-grid { gap: 50px; }
  .questions-grid { gap: 55px; }
}

@media (max-width: 860px) {
  .hero { padding-top: 132px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 720px; }
  .hero-copy h1 { max-width: 690px; }
  .hero-visual {
    width: min(650px, 100%); min-height: 0; margin: 10px auto 0; padding: 12px 15px 34px 20px;
  }
  .phone-frame { width: 100%; }
  .floating-amount { top: 30px; }
  .floating-term { bottom: 65px; }
  .floating-badge { bottom: 5px; }
  .proof-grid { grid-template-columns: repeat(2, 1fr); }
  .proof-item { border-bottom: 1px solid rgba(255,255,255,0.11); }
  .proof-item:nth-child(3) { border-left: 1px solid rgba(255,255,255,0.11); }
  .proof-item:nth-child(3), .proof-item:nth-child(4) { border-bottom: 0; }
  .split-heading, .about-grid, .loan-details-grid, .questions-grid, .cta-grid { grid-template-columns: 1fr; }
  .split-heading { gap: 20px; }
  .split-heading > p { max-width: 580px; }
  .about-visual { width: min(650px, 100%); padding-right: 0; }
  .about-copy { max-width: 700px; }
  .loan-details-grid { gap: 45px; }
  .loan-cards { max-width: 680px; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .questions-copy { position: static; max-width: 620px; }
  .cta-grid { gap: 25px; }
  .cta-copy { max-width: 700px; }
  .cta-visual { width: min(620px, 100%); margin: 0 auto; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 55px; }
}

@media (max-width: 650px) {
  .nav-shell { width: calc(100% - 32px); height: 74px; }
  .brand img { height: 43px; }
  .nav-actions { display: none; }
  .mobile-menu { top: 72px; }
  .hero { padding: 112px 0 70px; }
  .hero-grid, .section-shell, .proof-grid, .footer-shell { width: calc(100% - 32px); }
  .hero-copy h1 { font-size: clamp(2.85rem, 13.5vw, 4.2rem); }
  .hero-lead { font-size: 1rem; }
  .hero-actions { display: grid; grid-template-columns: 1fr; }
  .hero-actions > a { width: 100%; }
  .hero-notes { gap: 10px 16px; font-size: 0.75rem; }
  .hero-visual { margin-top: 5px; padding: 8px 8px 26px; }
  .phone-frame { padding: 7px; border-radius: 30px; }
  .phone-frame img { border-radius: 24px; }
  .floating-card { gap: 8px; padding: 9px 11px; border-radius: 13px; }
  .floating-amount { top: 20px; left: 0; }
  .floating-term { right: 0; bottom: 46px; }
  .float-icon { width: 32px; height: 32px; border-radius: 9px; }
  .float-icon svg { width: 18px; height: 18px; }
  .floating-card small { font-size: 0.55rem; }
  .floating-card strong { font-size: 0.82rem; }
  .floating-badge { display: none; }
  .proof-item { padding: 22px 18px; }
  .proof-number { font-size: 1.75rem; }
  .proof-label { font-size: 0.69rem; }
  .section, .loan-details-section { padding: 78px 0; }
  h2 { font-size: clamp(2.15rem, 10vw, 3.05rem); }
  .section-heading { margin-bottom: 32px; }
  .feature-grid, .steps-grid, .loan-cards { grid-template-columns: 1fr; }
  .feature-card { min-height: 0; padding: 26px 24px; }
  .feature-top { margin-bottom: 27px; }
  .feature-card h3 { font-size: 1.55rem; }
  .about-grid { gap: 45px; }
  .about-visual { padding: 10px 8px 55px; }
  .about-note { right: 0; bottom: 18px; min-width: 245px; padding: 12px 14px; }
  .about-ring {
    top: -8px; right: -14px; width: 120px; height: 120px; border-width: 25px;
  }
  .check-list li { align-items: flex-start; line-height: 1.55; }
  .loan-cards { gap: 12px; }
  .loan-stat-card { padding: 23px; }
  .loan-amount, .term-display { font-size: 2.7rem; }
  .loan-card-label { margin-bottom: 20px; }
  .loan-side-note { align-items: flex-start; }
  .step-card { padding: 24px; }
  .questions-grid { gap: 35px; }
  .questions-copy .btn-secondary { width: 100%; }
  .faq-list summary { padding: 20px 0; font-size: 1rem; }
  .faq-answer { padding-right: 0; }
  .final-cta { padding: 78px 0 62px; }
  .cta-copy h2 { font-size: clamp(2.65rem, 12vw, 3.8rem); }
  .cta-actions { display: grid; grid-template-columns: 1fr; }
  .cta-actions a { width: 100%; }
  .cta-sticker { font-size: 0.66rem; }
  .sticker-top { top: 0; }
  .footer-main { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { gap: 25px; }
  .footer-bottom { flex-direction: column; gap: 8px; }
  .footer-bottom p:last-child { text-align: left; }
  .privacy-float { right: 14px; bottom: 14px; padding: 10px 13px; }
  .privacy-float span { display: none; }
  .privacy-float svg { width: 22px; height: 22px; }
}

@media (max-width: 390px) {
  .floating-card { padding: 8px 9px; }
  .floating-term { right: -2px; }
  .floating-card strong { font-size: 0.74rem; }
  .loan-amount, .term-display { font-size: 2.35rem; }
  .footer-links { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal { opacity: 1; transform: none; }
}