:root{
  --navy:#10223a;--navy-2:#16314f;--blue:#00a3e8;--blue-d:#0866b0;--sky:#e7f6fd;
  --ink:#16202c;--muted:#5a6878;--line:#e3e9f0;--bg:#f6f9fc;--white:#fff;
  --r:18px;--r-lg:28px;--shadow:0 10px 30px rgba(16,34,58,.08);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-d)}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,5vw,3.6rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:700}
h3{font-size:1.2rem;font-weight:600}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-d);margin-bottom:12px}
.accent{color:var(--blue)}
.u{background:linear-gradient(transparent 82%,rgba(0,163,232,.35) 82%)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:14px 26px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:transform .15s,box-shadow .15s,background .15s;cursor:pointer;font-family:inherit;font-size:1rem}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 8px 20px rgba(16,34,58,.22)}
.btn-primary:hover{background:var(--navy-2)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#0094d4}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-light{background:#fff;color:var(--navy)}
.btn-sm{padding:10px 18px;font-size:.92rem}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.logo img{height:40px;width:auto}
.menu{display:flex;align-items:center;gap:22px;list-style:none;margin:0;padding:0}
.menu a{color:var(--ink);text-decoration:none;font-size:.93rem;font-weight:500;white-space:nowrap}
.menu a:hover,.menu a[aria-current=page]{color:var(--blue-d)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{font-weight:600;color:var(--navy);text-decoration:none;font-size:.95rem;white-space:nowrap}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}
@media (max-width:1180px){
  .menu{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px 24px;gap:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .menu.open{display:flex}
  .burger{display:block}
  .nav-phone{display:none}
}

/* hero */
.hero{position:relative;overflow:hidden;text-align:center;padding:90px 0 70px;background:radial-gradient(900px 420px at 85% -10%,rgba(0,163,232,.16),transparent 60%),radial-gradient(700px 380px at 0% 0%,rgba(8,102,176,.08),transparent 60%),var(--bg)}
.hero p.lead{font-size:1.15rem;color:var(--muted);max-width:640px;margin:18px auto 30px}
.hero .ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.hero-sub{font-size:.8rem;letter-spacing:.2em;text-transform:uppercase;color:var(--blue-d);font-weight:600;margin-top:18px}
.trust{margin:56px auto 0;max-width:900px;display:grid;grid-template-columns:repeat(4,1fr);gap:10px;background:rgba(231,246,253,.85);border:1px solid #d4ecf8;border-radius:var(--r);padding:16px}
.trust div{display:flex;flex-direction:column;align-items:center;padding:6px}
.trust strong{color:var(--navy);font-size:1rem}
.trust span{color:var(--muted);font-size:.82rem}
@media (max-width:720px){.trust{grid-template-columns:repeat(2,1fr)}}

/* page hero (inner) */
.page-hero{padding:70px 0 50px;background:radial-gradient(800px 360px at 90% -20%,rgba(0,163,232,.15),transparent 60%),var(--bg)}
.page-hero p.lead{font-size:1.1rem;color:var(--muted);max-width:720px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.crumbs a{color:var(--muted)}

/* sections */
section{padding:80px 0}
.section-head{max-width:720px;margin-bottom:40px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head p{color:var(--muted);font-size:1.05rem}
.white{background:#fff}

/* cards */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow);transition:transform .15s,border-color .15s;display:flex;flex-direction:column}
a.card{text-decoration:none;color:inherit}
a.card:hover{transform:translateY(-3px);border-color:#bfe3f6}
.card p{color:var(--muted);margin-bottom:16px}
.card .more{margin-top:auto;font-weight:600;color:var(--blue-d);font-size:.92rem}
.icon{width:48px;height:48px;border-radius:14px;background:var(--sky);display:grid;place-items:center;margin-bottom:18px;color:var(--blue-d)}
.icon svg{width:26px;height:26px}
.tag{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;background:var(--sky);color:var(--blue-d);padding:5px 10px;border-radius:999px;margin-bottom:12px}

/* dark panel */
.panel{background:linear-gradient(135deg,var(--navy) 0%,#0e3556 100%);color:#d7e6f3;border-radius:var(--r-lg);padding:64px;position:relative;overflow:hidden}
.panel h2{color:#fff}
.panel .eyebrow{color:#7fd3f7}
.panel::after{content:"";position:absolute;right:-120px;bottom:-160px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(0,163,232,.08)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:36px;position:relative;z-index:1}
.step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:24px}
.step b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;margin-bottom:14px}
.step h3{color:#fff;font-size:1.05rem}
.step p{font-size:.92rem;margin:0}
@media (max-width:980px){.steps{grid-template-columns:repeat(2,1fr)}.panel{padding:40px 24px}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* split */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.checks{list-style:none;padding:0;margin:0 0 24px}
.checks li{position:relative;padding-left:32px;margin-bottom:12px}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--sky) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%230866b0' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.stat-card{background:#fff;border-radius:var(--r-lg);padding:34px;box-shadow:var(--shadow);border:1px solid var(--line)}
.stat-card .row{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--line);gap:12px}
.stat-card .row:last-child{border:0}
.stat-card .row span{color:var(--muted)}
.stat-card .row strong{color:var(--navy);text-align:right}

/* lenders */
.lenders{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.lenders span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:.88rem;color:var(--navy);font-weight:500}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--blue-d)}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:12px 0 0;color:var(--muted)}

/* CTA band */
.cta-band{background:var(--blue);background:linear-gradient(120deg,var(--blue-d),var(--blue));color:#fff;border-radius:var(--r-lg);padding:54px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 8px}
.cta-band p{margin:0;color:#e6f6fe}

/* compliance strip */
.docs-strip{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;display:flex;flex-wrap:wrap;gap:14px 28px;align-items:center;justify-content:space-between}
.docs-strip p{margin:0;color:var(--muted);font-size:.92rem;max-width:560px}
.docs-strip .links{display:flex;flex-wrap:wrap;gap:10px}
.doclink{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:12px;background:var(--sky);color:var(--navy);text-decoration:none;font-weight:600;font-size:.9rem}
.doclink:hover{background:#d6effb}

/* forms */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;background:#fbfdff}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(0,163,232,.15)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.two{grid-template-columns:1fr}}
.small{font-size:.84rem;color:var(--muted)}
.hidden{display:none}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px}
.contact-list .icon{margin:0;flex:none}
.contact-list a{color:var(--navy);font-weight:600;text-decoration:none}

/* prose (legal/blog) */
.prose{max-width:780px}
.prose h2{font-size:1.5rem;margin-top:1.8em}
.prose h3{margin-top:1.4em}
.prose li{margin-bottom:.4em}
.prose table{border-collapse:collapse;width:100%;margin:1em 0}
.prose td,.prose th{border:1px solid var(--line);padding:10px;text-align:left;font-size:.95rem}
.post-meta{color:var(--muted);font-size:.9rem;margin-bottom:24px}

/* footer */
.site-footer{background:var(--navy);color:#b9c8d8;padding:64px 0 28px;margin-top:40px;font-size:.93rem}
.site-footer a{color:#dbe8f4;text-decoration:none}
.site-footer a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
@media (max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.fgrid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 14px}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:9px}
.flogo{background:#fff;display:inline-block;padding:10px 14px;border-radius:12px;margin-bottom:16px}
.flogo img{height:34px;width:auto}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;font-size:.82rem;line-height:1.6;color:#93a7bb}
.legal p{margin:0 0 10px}
.disclosure{color:#dbe8f4}
.mob-only{display:none}
@media (max-width:980px){.mob-only{display:block}}
.split>*,.grid>*{min-width:0}
.stat-card .row strong,.contact-list a{overflow-wrap:anywhere}
.btn{white-space:nowrap}
@media (max-width:1320px){.nav-phone{display:none}}
@media (max-width:420px){.logo img{height:32px}.nav-cta .btn-sm{padding:9px 14px}}
.card .tag{align-self:flex-start}

.nav{height:84px}
@media (max-width:1180px){.menu{top:84px}}
.cta-stack{display:flex;flex-direction:column;align-items:stretch;gap:4px}
.refer-tab{display:block;text-align:center;font-size:.8rem;font-weight:600;color:var(--blue-d);text-decoration:none;background:var(--sky);border-radius:0 0 12px 12px;padding:3px 10px;margin:0 10px}
.refer-tab:hover,.refer-tab[aria-current=page]{background:#d6effb;color:var(--navy)}
.logo{flex:none}.logo img{width:auto;max-width:none}

span.cta-stack{display:inline-flex;flex-direction:column;vertical-align:top}
.cta-band span.cta-stack .refer-tab,.panel span.cta-stack .refer-tab{background:rgba(255,255,255,.9)}
.btn{align-self:flex-start}
.cta-stack>.btn{align-self:stretch}