/* =====================================================================
   Sterling Advance — main site design system
   Mirrors the approved Meta funnel (navy #0D3A5F + green #D5DBE1,
   Poppins, textured navy hero with faint line motifs, wave dividers,
   photo-topped cards, zig-zag image/text sections).
   Shared by every page in this folder.
   ===================================================================== */
:root{
  --navy:#0D3A5F; --navy2:#1A4A72; --navy-deep:#082842;
  --green:#D5DBE1; --green-lt:#EDF1F4; --green-ink:#0D3A5F;
  --slate:#4a5a70; --slate2:#6b7a8f;
  --off:#F7F8F9; --white:#fff; --lgray:#E3E5E9; --field:#E7ECE9;
  --gray:#5C6670; --muted:#6f7480; --text:#20232a;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:84px;}
body{font-family:'Poppins',sans-serif;color:var(--text);background:var(--white);-webkit-font-smoothing:antialiased;overflow-x:hidden;}
img{max-width:100%;}
a{color:inherit;}

/* ---------- HEADER ---------- */
.site-header{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid var(--lgray);}
.site-header-inner{padding:12px max(18px,5%);display:flex;align-items:center;justify-content:space-between;gap:18px;}
.logo-block{display:flex;align-items:center;gap:10px;min-width:0;text-decoration:none;flex-shrink:0;}
.logo-mark{width:36px;height:36px;flex-shrink:0;display:flex;align-items:flex-end;gap:3px;padding:6px 5px;background:var(--navy);border-radius:8px;}
.logo-mark span{display:block;width:6px;background:var(--green);border-radius:1px;}
.logo-mark span:nth-child(1){height:38%;}
.logo-mark span:nth-child(2){height:65%;}
.logo-mark span:nth-child(3){height:95%;}
.logo-text{line-height:1.15;}
.logo-text .l1,.logo-text .l2{display:block;font-weight:800;font-size:16px;letter-spacing:.01em;white-space:nowrap;}
.logo-text .l1{color:var(--navy);}
.logo-text .l2{color:var(--green);margin-top:-2px;}
.logo-tag{font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--green);margin-top:2px;white-space:nowrap;}
.main-nav{display:flex;align-items:center;gap:26px;list-style:none;}
.main-nav a{font-size:14px;font-weight:500;color:#3c4650;text-decoration:none;position:relative;padding:6px 0;transition:color .2s;}
.main-nav a::after{content:'';position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--green);transform:scaleX(0);transform-origin:left;transition:transform .25s;}
.main-nav a:hover,.main-nav a.active{color:var(--navy);}
.main-nav a:hover::after,.main-nav a.active::after{transform:scaleX(1);}
.header-right{display:flex;align-items:center;gap:10px;flex-shrink:0;}
.hbtn{display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:10px 18px;border-radius:6px;font-weight:700;font-size:13.5px;text-decoration:none;white-space:nowrap;transition:transform .15s ease,box-shadow .15s ease,border-color .15s;border:1.5px solid transparent;}
.hbtn:hover{transform:translateY(-1px);}
.hbtn-ghost{background:#fff;color:var(--navy);border-color:#D8DFE0;}
.hbtn-ghost:hover{border-color:var(--navy2);}
.hbtn-solid{background:var(--green);color:var(--green-ink);}
.hbtn-solid:hover{box-shadow:0 8px 18px -6px rgba(213,219,225,.55);}
.hbtn svg{width:14px;height:14px;}
.hamburger{display:none;flex-direction:column;justify-content:center;gap:5px;cursor:pointer;background:#fff;border:1.5px solid #D8DFE0;border-radius:6px;width:42px;height:40px;align-items:center;}
.hamburger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:2px;}
.mobile-menu{display:none;position:fixed;left:0;right:0;top:var(--hdr-h,65px);background:#fff;padding:8px max(18px,5%) 20px;z-index:999;border-bottom:1px solid var(--lgray);box-shadow:0 20px 40px -20px rgba(13,58,95,.35);}
.mobile-menu.open{display:block;}
.mobile-menu a{display:block;color:var(--navy);text-decoration:none;padding:14px 0;font-size:15px;font-weight:600;border-bottom:1px solid var(--lgray);}
.mobile-menu a.mm-cta{border:none;margin-top:14px;background:var(--green);color:var(--green-ink);text-align:center;border-radius:7px;font-weight:800;}
.mobile-menu a.mm-call{border:none;margin-top:10px;background:#fff;border:1.5px solid #D8DFE0;text-align:center;border-radius:7px;}
.main-nav a{white-space:nowrap;}
.main-nav{flex-wrap:nowrap;min-width:0;}
@media (max-width:1320px){ .main-nav{gap:20px;} .main-nav a{font-size:13.5px;} .logo-tag{display:none;} }
@media (max-width:1199px){
  .main-nav{display:none;} .hamburger{display:flex;}
}
@media (max-width:760px){
  .header-right .hbtn-solid{display:none;}
  .hbtn{padding:9px 12px;font-size:13px;}
  .logo-text .l1,.logo-text .l2{font-size:14.5px;}
}
@media (max-width:380px){ .header-right .hbtn-ghost .ph-num{display:none;} }

/* ---------- GREEN BAR (under header) ---------- */
.qualify-bar{background:var(--green);padding:10px max(16px,5%);}
.qualify-bar-inner{display:flex;align-items:center;justify-content:center;gap:10px 22px;flex-wrap:wrap;}
.qb-label{font-size:10.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--green-ink);opacity:.72;}
.qb-item{display:flex;align-items:center;gap:5px;font-size:12.5px;font-weight:800;color:var(--green-ink);white-space:nowrap;}
.qb-item svg{flex-shrink:0;width:13px;height:13px;}
@media (max-width:760px){
  .qualify-bar{padding:7px 12px;}
  .qualify-bar-inner{gap:3px 10px;}
  .qb-label{width:100%;text-align:center;font-size:8.5px;}
  .qb-item{font-size:10px;gap:4px;}
  .qb-item svg{width:10px;height:10px;}
  .qb-item.hide-sm{display:none;}
}

/* ---------- NAVY TEXTURE (hero + dark sections) ---------- */
.navy-tex{position:relative;background:linear-gradient(120deg,var(--navy-deep) 0%,var(--navy) 100%);overflow:hidden;}
.navy-tex::before{content:'';position:absolute;inset:0;pointer-events:none;z-index:0;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  opacity:.05;mix-blend-mode:overlay;}
.navy-tex::after{content:'';position:absolute;top:-15%;right:-10%;width:55%;height:80%;pointer-events:none;z-index:0;
  background:radial-gradient(ellipse at top right,rgba(213,219,225,.10) 0%,transparent 65%);}
.navy-tex > *{position:relative;z-index:1;}
.navy-tex > svg.wm{position:absolute;z-index:0;pointer-events:none;}
.wm-arcs{left:-40px;bottom:-40px;width:340px;height:260px;opacity:.75;}
.wm-fan{left:8px;top:8px;width:188px;height:130px;opacity:.65;}
.wm-arcs-sparse{right:0;bottom:0;width:300px;height:220px;opacity:.7;}
.wm-network{right:-60px;top:38%;width:220px;height:220px;opacity:.55;}
.wm-corner{right:-30px;top:-30px;width:170px;height:130px;opacity:.5;}
.wm-arcs-flip{right:-40px;top:-40px;width:340px;height:260px;transform:scale(-1,-1);opacity:.4;}
@media (max-width:900px){ .wm-fan,.wm-arcs-sparse,.wm-network,.wm-corner{display:none;} }

/* ---------- HERO (home / apply / lp) ---------- */
.hero{padding:72px 5% 64px;}
.hero-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
.eyebrow{display:inline-block;color:var(--green-lt);font-size:14px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;}
.hero-copy h1{font-size:clamp(44px,5.8vw,78px);font-weight:900;line-height:1.05;color:#fff;margin:14px 0 18px;text-wrap:balance;}
.hero-copy h1 em{font-style:normal;color:var(--green);}
.amount-line{font-size:clamp(17px,1.9vw,20px);font-weight:700;color:#fff;margin-bottom:14px;line-height:1.5;}
.amount-line .amt{background:var(--green);color:var(--green-ink);padding:3px 11px;border-radius:5px;font-weight:800;white-space:nowrap;}
.hero-sub{color:rgba(255,255,255,.72);font-size:16px;line-height:1.65;max-width:480px;margin:0 0 28px;}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;}
.btn-green{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--green);color:var(--green-ink);font-weight:800;font-size:15.5px;padding:15px 32px;border-radius:7px;text-decoration:none;border:none;cursor:pointer;font-family:'Poppins',sans-serif;transition:transform .15s ease,box-shadow .15s ease;}
.btn-green:hover{transform:translateY(-2px);box-shadow:0 10px 22px -6px rgba(213,219,225,.5);}
.btn-ghost-w{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:transparent;color:#fff;font-weight:700;font-size:15px;padding:14px 28px;border-radius:7px;text-decoration:none;border:1.5px solid rgba(255,255,255,.3);transition:border-color .2s,transform .15s;}
.btn-ghost-w:hover{border-color:#fff;transform:translateY(-2px);}
.btn-navy{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff;font-weight:700;font-size:15px;padding:15px 30px;border-radius:7px;text-decoration:none;border:none;cursor:pointer;font-family:'Poppins',sans-serif;transition:transform .15s,background .2s;}
.btn-navy:hover{background:var(--navy2);transform:translateY(-2px);}
.btn-outline{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:#fff;color:var(--navy);font-weight:700;font-size:15px;padding:14px 28px;border-radius:7px;text-decoration:none;border:1.5px solid #D8DFE0;transition:border-color .2s,transform .15s;}
.btn-outline:hover{border-color:var(--navy);transform:translateY(-2px);}

/* Funding-range gadget */
.range-gadget{margin-top:32px;padding:26px 28px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:12px;max-width:500px;}
.range-row{display:flex;align-items:center;gap:18px;}
.range-point{display:flex;flex-direction:column;align-items:center;flex-shrink:0;}
.range-amt{font-weight:900;font-size:30px;color:#fff;line-height:1;}
.range-tag{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green-lt);margin-top:5px;}
.range-track{flex:1;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--green),var(--green-lt));}
.range-caption{margin-top:14px;font-size:14px;color:rgba(255,255,255,.6);line-height:1.5;}
.range-divider{height:1px;background:rgba(255,255,255,.12);margin:18px 0;}
.range-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;}
.range-stat-num{font-weight:900;font-size:26px;color:#fff;line-height:1.1;}
.range-stat-label{font-size:12.5px;color:rgba(255,255,255,.6);margin-top:3px;}

/* Hero checklist (apply / lp) */
.hero-checks{display:flex;flex-direction:column;gap:12px;margin:4px 0 8px;}
.hero-check{display:flex;align-items:center;gap:12px;font-size:15px;color:rgba(255,255,255,.88);}
.hero-check .ck{width:24px;height:24px;border-radius:50%;background:rgba(213,219,225,.16);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.hero-check .ck svg{width:13px;height:13px;stroke:var(--green);}

/* Start Here arrow */
.form-col{position:relative;}
@media (min-width:901px){ .form-col{margin-top:36px;} }
.start-here{position:absolute;top:-50px;left:28px;font-family:'Caveat',cursive;font-size:31px;font-weight:700;color:#fff;text-shadow:0 2px 6px rgba(0,0,0,.35);display:flex;align-items:flex-end;gap:6px;transform:rotate(4deg);z-index:2;pointer-events:none;}
.start-here svg{transform:translateY(2px);}
.sh-down{display:none;}

/* ---------- FORM CARD ---------- */
.form-card{position:relative;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 24px 60px -24px rgba(0,0,0,.45);border:1px solid var(--lgray);width:100%;max-width:600px;margin:0 auto;}
.form-card.light{box-shadow:0 18px 44px -22px rgba(13,58,95,.3);}
.form-banner{background:var(--navy);color:#fff;padding:16px 26px;display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;}
.form-banner > span:first-child{font-size:14.5px;font-weight:800;}
.badge-group{display:flex;align-items:center;justify-content:center;gap:10px;flex-wrap:wrap;}
.speed-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(213,219,225,.16);color:var(--green);font-size:11.5px;font-weight:700;padding:5px 10px;border-radius:20px;white-space:nowrap;line-height:1;}
.speed-badge svg{width:12px;height:12px;stroke:var(--green);}
.form-body{padding:26px 26px 22px;}
.form-body h2,.form-body h3{font-size:20px;font-weight:800;color:var(--navy);margin-bottom:4px;}
.form-body p.hint{font-size:12.5px;color:var(--gray);margin-bottom:18px;}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.fgroup{margin-bottom:12px;}
.fgroup label{display:block;font-size:11.5px;font-weight:600;color:var(--navy);margin-bottom:5px;}
.fgroup label .req{color:#E0554F;}
.fgroup input,.fgroup select,.fgroup textarea{width:100%;background:var(--field);border:1.5px solid transparent;border-radius:6px;padding:11px 12px;font-size:14px;font-family:'Poppins',sans-serif;color:var(--navy);appearance:none;-webkit-appearance:none;transition:border-color .2s,background-color .2s;}
.fgroup select{padding-right:34px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235C6670' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;background-size:13px 13px;}
.fgroup textarea{min-height:96px;resize:vertical;}
.fgroup input:focus,.fgroup select:focus,.fgroup textarea:focus{outline:none;border-color:var(--green);background-color:#fff;}
.fgroup input::placeholder,.fgroup textarea::placeholder{color:#8e98a1;}
.btn-apply{display:block;width:100%;text-align:center;background:var(--green);color:var(--green-ink);font-weight:800;font-size:15.5px;padding:15px;border-radius:7px;margin-top:6px;border:none;cursor:pointer;font-family:'Poppins',sans-serif;transition:transform .15s,box-shadow .15s;}
.btn-apply:hover{transform:translateY(-1px);box-shadow:0 10px 22px -8px rgba(213,219,225,.6);}
.btn-apply:disabled{opacity:.7;cursor:wait;transform:none;}
.ssl-badge{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:12px;padding:8px 12px;background:#DCE2E5;border:1px solid #B9C3C9;border-radius:6px;font-size:12.5px;color:#2c3540;}
.form-legal{font-size:11.5px;color:var(--gray);text-align:center;margin-top:10px;line-height:1.6;}
.form-legal a{color:var(--navy);}
.opt-in-row{display:flex;align-items:flex-start;gap:10px;background:var(--field);border-radius:8px;padding:12px 14px;margin-top:12px;}
.opt-in-row input[type=checkbox]{width:17px;height:17px;accent-color:var(--green);flex-shrink:0;margin-top:1px;cursor:pointer;}
.opt-in-row label{font-size:11.5px;color:#3c4650;line-height:1.5;cursor:pointer;}
.form-divider{position:relative;text-align:center;margin:18px 0 14px;}
.form-divider::before{content:'';position:absolute;top:50%;left:0;right:0;height:1px;background:var(--lgray);}
.form-divider span{position:relative;display:inline-block;background:#fff;padding:0 12px;font-size:11.5px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.05em;}
.alt-apply{display:block;text-align:center;background:#fff;color:var(--navy);border:1.5px solid #D8DFE0;border-radius:7px;padding:13px;font-weight:700;font-size:14px;text-decoration:none;transition:border-color .2s;}
.alt-apply:hover{border-color:var(--navy);}

@media (max-width:900px){
  .hero{padding:40px 5% 48px;}
  .hero-grid{grid-template-columns:1fr;gap:32px;text-align:center;}
  .hero-sub{margin-left:auto;margin-right:auto;}
  .hero-btns{justify-content:center;}
  .range-gadget{margin:28px auto 0;}
  .hero-checks{max-width:420px;margin:0 auto 8px;text-align:left;}
  .start-here{display:flex;position:relative;top:auto;left:auto;justify-content:center;align-items:center;gap:8px;transform:rotate(-2deg);margin:0 0 10px;font-size:28px;}
  .start-here svg:not(.sh-down){display:none;}
  .sh-down{display:block;transform:none !important;}
}
@media (max-width:600px){
  .frow{grid-template-columns:1fr;gap:0;}
  .hero-copy h1{font-size:38px;}
  .form-body{padding:22px 18px 18px;}
  .range-gadget{padding:18px 18px;}
  .range-amt{font-size:22px;}
  .range-stat-num{font-size:20px;}
  .range-stat-label{font-size:11px;}
}

/* ---------- WAVE DIVIDERS ---------- */
.wave{display:block;line-height:0;}
.wave svg{display:block;width:100%;height:64px;}
@media (max-width:700px){ .wave svg{height:34px;} }

/* ---------- TRUST BAR ---------- */
.trust-bar{background:var(--off);padding:22px 5%;border-bottom:1px solid var(--lgray);}
.trust-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:16px 40px;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:600;color:var(--navy);}
.icon-badge{width:30px;height:30px;border-radius:50%;background:rgba(213,219,225,.14);display:flex;align-items:center;justify-content:center;color:#1A4A72;flex-shrink:0;}
.icon-badge svg{width:15px;height:15px;}
@media (max-width:600px){
  .trust-inner{flex-direction:column;align-items:stretch;max-width:340px;gap:0;}
  .trust-item{padding:11px 2px;border-bottom:1px solid var(--lgray);}
  .trust-item:last-child{border-bottom:none;}
}

/* ---------- SECTIONS ---------- */
section{padding:90px 5%;}
.inner{max-width:1200px;margin:0 auto;}
.bg-off{background:var(--off);}
.bg-white{background:#fff;}
.section-label{font-size:12px;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--slate);margin-bottom:12px;display:inline-flex;align-items:center;gap:10px;}
.section-label::before{content:'';width:22px;height:2px;background:var(--green);border-radius:2px;}
.centered .section-label::after{content:'';width:22px;height:2px;background:var(--green);border-radius:2px;}
.on-dark .section-label{color:var(--green-lt);}
.section-title{font-size:clamp(30px,4vw,46px);font-weight:800;color:var(--navy);line-height:1.18;margin-bottom:16px;letter-spacing:-.01em;}
.section-sub{font-size:16.5px;color:var(--muted);line-height:1.7;max-width:620px;}
.on-dark .section-title{color:#fff;}
.on-dark .section-sub{color:rgba(255,255,255,.65);}
.centered{text-align:center;}
.centered .section-sub{margin:0 auto;}
.section-head{margin-bottom:52px;}
.center-cta{text-align:center;margin-top:48px;}
@media (max-width:600px){ section{padding:64px 6%;} .section-head{margin-bottom:36px;} }

/* ---------- PHOTO CARDS (products) ---------- */
.svc-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.svc-card{background:#fff;border:1px solid var(--lgray);border-radius:14px;overflow:hidden;box-shadow:0 2px 12px rgba(13,58,95,.05);transition:transform .25s ease,box-shadow .25s ease;display:flex;flex-direction:column;text-decoration:none;}
.svc-card:hover{transform:translateY(-5px);box-shadow:0 18px 34px -12px rgba(13,58,95,.2);}
.svc-photo-wrap{position:relative;overflow:hidden;aspect-ratio:16/10;}
.svc-photo{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease;}
.svc-card:hover .svc-photo{transform:scale(1.05);}
.svc-chip{position:absolute;left:14px;bottom:14px;background:var(--green);color:var(--green-ink);font-size:11px;font-weight:800;padding:5px 10px;border-radius:20px;letter-spacing:.02em;}
.svc-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1;}
.svc-body h3{font-size:18px;font-weight:700;color:var(--navy);margin:0 0 8px;}
.svc-body p{font-size:14px;line-height:1.65;color:var(--muted);margin:0 0 18px;flex:1;}
.svc-link{font-size:14px;font-weight:700;color:var(--navy);display:inline-flex;align-items:center;gap:6px;}
.svc-link .arr{color:#1A4A72;transition:transform .2s;}
.svc-card:hover .svc-link .arr{transform:translateX(4px);}
@media (max-width:900px){ .svc-grid{grid-template-columns:1fr 1fr;} }
@media (max-width:600px){ .svc-grid{grid-template-columns:1fr;} }

/* ---------- ZIG-ZAG ---------- */
.zig{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.zig.reverse > :first-child{order:2;}
.zig-media{position:relative;border-radius:16px;overflow:visible;}
.zig-media > img{width:100%;display:block;min-height:380px;max-height:520px;object-fit:cover;border-radius:16px;box-shadow:0 24px 50px -22px rgba(13,58,95,.45);}
.zig-media-badge{position:absolute;left:24px;bottom:-22px;background:#fff;border-radius:12px;padding:14px 18px;box-shadow:0 14px 30px -10px rgba(13,58,95,.4);display:flex;align-items:center;gap:12px;}
.zig-media-badge .num{font-size:26px;font-weight:900;color:var(--navy);line-height:1;}
.zig-media-badge .lbl{font-size:11.5px;font-weight:600;color:var(--gray);line-height:1.25;}
.zig-media-badge.green{background:var(--green);}
.zig-media-badge.green .num,.zig-media-badge.green .lbl{color:var(--green-ink);}
@media (max-width:900px){
  .zig{grid-template-columns:1fr;gap:48px;}
  .zig.reverse > :first-child{order:0;}
  .zig-media > img{min-height:260px;}
}

/* ---------- WHY US (navy) ---------- */
.why-us .reasons-list{margin-top:34px;display:grid;grid-template-columns:1fr;gap:16px;}
.reason{display:flex;align-items:flex-start;gap:16px;padding:20px;border-radius:12px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);transition:border-color .2s,transform .2s;}
.reason:hover{border-color:rgba(213,219,225,.45);}
.reason-icon{width:42px;height:42px;border-radius:10px;flex-shrink:0;background:rgba(213,219,225,.14);display:flex;align-items:center;justify-content:center;color:var(--green);}
.reason-icon svg{width:19px;height:19px;}
.reason h4{font-size:15.5px;font-weight:700;color:#fff;margin-bottom:4px;}
.reason p{font-size:13.5px;color:rgba(255,255,255,.62);line-height:1.55;}
.reasons-list.uneven .reason:nth-child(2){margin-left:28px;}
.reasons-list.uneven .reason:nth-child(3){margin-left:12px;}
@media (max-width:700px){ .reasons-list.uneven .reason{margin-left:0 !important;} }
.why-stats{max-width:1200px;margin:72px auto 0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.why-stat-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:28px 18px;text-align:center;transition:transform .25s,border-color .25s;}
.why-stat-card:hover{transform:translateY(-3px);border-color:rgba(213,219,225,.5);}
.why-stat-num{font-size:42px;font-weight:800;color:#fff;line-height:1.1;}
.why-stat-num .g{color:var(--green);}
.why-stat-label{font-size:13px;color:rgba(255,255,255,.55);margin-top:6px;}
@media (max-width:900px){ .why-stats{grid-template-columns:1fr 1fr;} }
@media (max-width:600px){ .why-stat-num{font-size:32px;} .why-stat-card{padding:20px 12px;} }

/* ---------- HOW IT WORKS ---------- */
.steps-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:32px;position:relative;}
.steps-grid::before{content:'';position:absolute;top:70px;left:calc(12.5% + 20px);right:calc(12.5% + 20px);border-top:2px dotted #c9cfd6;z-index:0;}
.step{text-align:center;position:relative;z-index:1;}
.step-num{font-size:clamp(44px,4.4vw,60px);font-weight:900;line-height:1;color:var(--navy);text-shadow:3px 4px 0 rgba(13,58,95,.12);}
.step-dot{width:12px;height:12px;border-radius:50%;background:var(--green);box-shadow:0 0 0 5px var(--off);margin:12px auto 22px;}
.bg-white .step-dot{box-shadow:0 0 0 5px #fff;}
.step h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.step p{font-size:14px;color:var(--muted);line-height:1.6;}
@media (max-width:900px){ .steps-grid{grid-template-columns:1fr 1fr;row-gap:44px;} .steps-grid::before{display:none;} }
@media (max-width:520px){ .steps-grid{grid-template-columns:1fr;} }

/* ---------- LOAN / DETAIL CARDS ---------- */
.loans-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.loan-card{background:#fff;border:1px solid var(--lgray);border-radius:12px;padding:24px 22px;transition:border-color .25s,transform .25s,box-shadow .25s;position:relative;overflow:hidden;}
.loan-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--green);transform:scaleX(0);transform-origin:left;transition:transform .3s;}
.loan-card:hover{transform:translateY(-3px);box-shadow:0 14px 28px -14px rgba(13,58,95,.25);}
.loan-card:hover::before{transform:scaleX(1);}
.loan-icon{width:40px;height:40px;border-radius:10px;background:rgba(13,58,95,.07);display:flex;align-items:center;justify-content:center;color:var(--navy);margin-bottom:14px;}
.loan-icon svg{width:19px;height:19px;}
.loan-card h3{font-size:16.5px;font-weight:700;color:var(--navy);margin-bottom:12px;}
.check-list{list-style:none;display:flex;flex-direction:column;gap:8px;}
.check-list li{font-size:13.5px;color:var(--muted);padding-left:26px;position:relative;line-height:1.5;}
.check-list li::before{content:'';position:absolute;left:0;top:2px;width:17px;height:17px;border-radius:50%;background:rgba(213,219,225,.16) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231A4A72' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/9px no-repeat;}
.on-dark .check-list li{color:rgba(255,255,255,.8);}
@media (max-width:600px){ .loans-grid{grid-template-columns:1fr;} }

/* ---------- INDUSTRIES ---------- */
.ind-grid{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(6,1fr);gap:14px;}
.ind-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:20px 12px;text-align:center;transition:all .25s;text-decoration:none;display:block;}
.ind-card:hover{background:rgba(255,255,255,.09);border-color:rgba(213,219,225,.5);transform:translateY(-3px);}
.ind-icon{font-size:28px;margin-bottom:10px;line-height:1;}
.ind-name{font-size:13px;font-weight:600;color:rgba(255,255,255,.88);}
@media (max-width:900px){ .ind-grid{grid-template-columns:repeat(4,1fr);} }
@media (max-width:600px){ .ind-grid{grid-template-columns:repeat(2,1fr);gap:10px;} }
.ind-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;}
.ind-chip{background:#fff;border:1px solid var(--lgray);border-radius:24px;padding:10px 18px;font-size:14px;font-weight:500;color:var(--navy);transition:all .2s;}
.ind-chip:hover{border-color:var(--green);box-shadow:0 6px 14px -8px rgba(213,219,225,.6);}
.ind-full-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.ind-full-card{background:#fff;border:1px solid var(--lgray);border-radius:14px;padding:26px 22px;transition:all .25s;position:relative;overflow:hidden;}
.ind-full-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--green);transform:scaleX(0);transform-origin:left;transition:transform .3s;}
.ind-full-card:hover{transform:translateY(-4px);box-shadow:0 16px 30px -14px rgba(13,58,95,.22);}
.ind-full-card:hover::before{transform:scaleX(1);}
.ind-full-card .icon{width:50px;height:50px;border-radius:12px;background:var(--off);border:1px solid var(--lgray);display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:16px;}
.ind-full-card h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:6px;}
.ind-full-card p{font-size:13.5px;color:var(--muted);line-height:1.6;}
@media (max-width:1000px){ .ind-full-grid{grid-template-columns:repeat(3,1fr);} }
@media (max-width:760px){ .ind-full-grid{grid-template-columns:1fr 1fr;gap:14px;} .ind-full-card{padding:20px 16px;} }
@media (max-width:440px){ .ind-full-grid{grid-template-columns:1fr;} }

/* ---------- 3-UP FEATURE CARDS (navy) ---------- */
.feature-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.feature-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:30px 26px;transition:transform .25s,border-color .25s;}
.feature-card:hover{transform:translateY(-4px);border-color:rgba(213,219,225,.5);}
.feature-card .reason-icon{margin-bottom:18px;width:48px;height:48px;}
.feature-card h3{font-size:17px;font-weight:700;color:#fff;margin-bottom:8px;}
.feature-card p{font-size:14px;color:rgba(255,255,255,.62);line-height:1.65;}
.feature-grid.uneven .feature-card:nth-child(3n+2){transform:translateY(22px);}
.feature-grid.uneven .feature-card:nth-child(3n+2):hover{transform:translateY(18px);}
@media (max-width:900px){ .feature-grid{grid-template-columns:1fr 1fr;} .feature-grid.uneven .feature-card{transform:none !important;} }
@media (max-width:600px){ .feature-grid{grid-template-columns:1fr;} }

/* ---------- CALLOUT / CTA BAND ---------- */
.cta-band{padding:84px 5%;text-align:center;}
.cta-band .callout{max-width:880px;margin:0 auto 14px;font-size:clamp(28px,3.6vw,44px);font-weight:800;line-height:1.25;color:#fff;letter-spacing:-.01em;}
.cta-band .callout .accent{color:var(--green);}
.cta-band p{font-size:16.5px;color:rgba(255,255,255,.68);max-width:600px;margin:0 auto 30px;line-height:1.7;}
.cta-band .cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}
.cta-band .cta-note{margin-top:22px;font-size:13px;color:rgba(255,255,255,.5);display:flex;gap:18px;justify-content:center;flex-wrap:wrap;}
.cta-band .cta-note span{display:inline-flex;align-items:center;gap:6px;}
.cta-band .cta-note svg{width:13px;height:13px;stroke:var(--green);}

/* ---------- ABOUT COLLAGE ---------- */
.about-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;}
.about-media{position:relative;padding:0 34px 54px 0;}
.about-media img{display:block;border-radius:14px;border:4px solid #fff;box-shadow:0 20px 40px -18px rgba(13,58,95,.35);}
.about-media-main{position:relative;z-index:1;width:100%;aspect-ratio:4/3.1;object-fit:cover;}
.about-media-sub{position:absolute;left:10%;bottom:-9%;z-index:2;width:48%;aspect-ratio:4/3;object-fit:cover;}
.about-media-badge{position:absolute;right:-3%;bottom:-4%;z-index:3;background:var(--green);border-radius:14px;padding:20px 22px;box-shadow:0 16px 30px -12px rgba(213,219,225,.5);}
.about-media-badge .num{font-size:30px;font-weight:900;color:var(--green-ink);line-height:1;}
.about-media-badge .lbl{font-size:12px;font-weight:700;color:var(--green-ink);margin-top:4px;line-height:1.3;}
.about-content p{font-size:15.5px;line-height:1.8;color:var(--muted);margin:0 0 18px;}
.values-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px;}
.value-item{padding:18px 18px 18px 20px;background:var(--off);border-radius:12px;border-left:3px solid var(--green);}
.value-item h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px;}
.value-item p{font-size:13px;color:var(--muted);line-height:1.5;margin:0;}
.pill-list{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 28px;}
.pill-list li{display:inline-flex;align-items:center;gap:7px;background:var(--off);border:1px solid var(--lgray);border-radius:20px;padding:7px 14px;font-size:13px;font-weight:600;color:var(--navy);}
.pill-list li::before{content:'';width:7px;height:7px;border-radius:50%;background:var(--green);}
@media (max-width:900px){
  .about-grid{grid-template-columns:1fr;gap:44px;}
  .about-media{padding:0 24px 40px 0;max-width:500px;margin:0 auto;width:100%;}
}
@media (max-width:600px){ .values-grid{grid-template-columns:1fr;} }

/* Mission / stat panel */
.mission-panel{border-radius:18px;padding:44px 40px;color:#fff;}
.mission-panel h3{font-size:26px;font-weight:800;margin-bottom:12px;}
.mission-panel p{font-size:15px;color:rgba(255,255,255,.7);line-height:1.75;margin-bottom:26px;}
.stat-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.stat-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:18px;}
.stat-box .num{font-size:30px;font-weight:800;color:#fff;line-height:1.1;}
.stat-box .lbl{font-size:12.5px;color:rgba(255,255,255,.55);margin-top:4px;}

/* ---------- PARTNER ---------- */
.partner-card{background:#fff;border-radius:16px;padding:36px;box-shadow:0 24px 50px -22px rgba(0,0,0,.5);}
.partner-card h3{font-size:24px;font-weight:800;color:var(--navy);margin-bottom:10px;}
.partner-card p{font-size:14.5px;color:var(--muted);line-height:1.7;margin-bottom:24px;}
.partner-card .btn-green{width:100%;}

/* ---------- CONTACT ---------- */
.contact-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:start;}
.info-items{display:flex;flex-direction:column;gap:14px;margin:30px 0;}
.info-item{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--lgray);border-radius:12px;padding:16px 18px;transition:border-color .2s,box-shadow .2s;}
.info-item:hover{border-color:var(--green);box-shadow:0 10px 22px -14px rgba(213,219,225,.6);}
.info-icon{width:44px;height:44px;border-radius:10px;background:rgba(213,219,225,.14);display:flex;align-items:center;justify-content:center;color:#1A4A72;flex-shrink:0;}
.info-icon svg{width:19px;height:19px;}
.info-label{font-size:11.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:2px;font-weight:600;}
.info-value{font-size:15px;font-weight:600;color:var(--navy);}
.info-value a{text-decoration:none;color:var(--navy);}
.info-value a:hover{color:#1A4A72;}
.info-value small{display:block;font-size:13px;font-weight:400;color:var(--muted);}
@media (max-width:900px){ .contact-grid{grid-template-columns:1fr;gap:44px;} }
.fullwidth-map{width:100%;height:400px;line-height:0;display:block;filter:grayscale(.3);}
.fullwidth-map iframe{width:100%;height:100%;border:0;display:block;}

/* ---------- SUB-PAGE HERO ---------- */
.page-hero{padding:76px 5% 70px;text-align:center;}
.page-hero .crumbs{font-size:12.5px;color:rgba(255,255,255,.5);margin-bottom:18px;}
.page-hero .crumbs a{color:rgba(255,255,255,.7);text-decoration:none;}
.page-hero .crumbs a:hover{color:var(--green);}
.page-hero h1{font-size:clamp(36px,5vw,62px);font-weight:900;color:#fff;line-height:1.1;margin:12px auto 16px;max-width:900px;text-wrap:balance;}
.page-hero h1 em{font-style:normal;color:var(--green);}
.page-hero p{font-size:16.5px;color:rgba(255,255,255,.7);max-width:640px;margin:0 auto;line-height:1.7;}
.page-hero .hero-btns{justify-content:center;margin-top:30px;}
@media (max-width:600px){ .page-hero{padding:52px 6% 50px;} .page-hero h1{font-size:34px;} .page-hero p{font-size:15px;} }

/* Product quick-jump chips */
.jump-bar{background:#fff;border-bottom:1px solid var(--lgray);padding:16px 5%;position:sticky;top:var(--hdr-h,65px);z-index:50;}
.jump-inner{max-width:1200px;margin:0 auto;display:flex;gap:10px;overflow-x:auto;scrollbar-width:none;justify-content:center;}
.jump-inner::-webkit-scrollbar{display:none;}
.jump-inner a{flex-shrink:0;font-size:13px;font-weight:600;color:var(--navy);text-decoration:none;padding:8px 16px;border-radius:20px;border:1px solid var(--lgray);background:var(--off);transition:all .2s;}
.jump-inner a:hover{border-color:var(--green);background:#fff;}
@media (max-width:900px){ .jump-inner{justify-content:flex-start;} }

/* ---------- PRODUCT DETAIL SECTIONS ---------- */
.product-section{padding:90px 5%;}
.product-section:nth-of-type(even){background:var(--off);}
.ps-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;}
.ps-grid.reverse .ps-text{order:2;}
.ps-icon{width:52px;height:52px;border-radius:12px;background:rgba(213,219,225,.14);color:#1A4A72;display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.ps-icon svg{width:24px;height:24px;}
.ps-text h2{font-size:clamp(28px,3.4vw,40px);font-weight:800;color:var(--navy);margin-bottom:16px;line-height:1.2;}
.ps-text > p{font-size:15.5px;color:var(--muted);line-height:1.8;margin-bottom:24px;}
.ps-text .check-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin-bottom:30px;}
.ps-visual{position:relative;padding-bottom:70px;}
.ps-visual > img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:16px;display:block;box-shadow:0 24px 50px -24px rgba(13,58,95,.45);}
.ps-card{position:absolute;right:-18px;bottom:0;width:min(330px,82%);background:var(--navy);border-radius:14px;padding:22px 22px 16px;color:#fff;box-shadow:0 24px 44px -18px rgba(8,40,66,.65);border:1px solid rgba(255,255,255,.08);}
.ps-grid.reverse .ps-card{right:auto;left:-18px;}
.ps-card-amount{font-size:30px;font-weight:900;line-height:1;color:var(--green);}
.ps-card-label{font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.55);margin:6px 0 12px;}
.ps-card-items{list-style:none;}
.ps-card-items li{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-top:1px solid rgba(255,255,255,.1);font-size:13px;}
.ps-card-items li span:first-child{color:rgba(255,255,255,.6);}
.ps-card-items li span:last-child{font-weight:600;text-align:right;}
@media (max-width:900px){
  .ps-grid{grid-template-columns:1fr;gap:40px;}
  .ps-grid.reverse .ps-text{order:0;}
  .ps-card{right:12px !important;left:auto !important;}
}
@media (max-width:600px){
  .product-section{padding:64px 6%;}
  .ps-text .check-list{grid-template-columns:1fr;}
  .ps-visual{padding-bottom:0;}
  .ps-card{position:relative;right:auto !important;left:auto !important;width:auto;margin:-40px 14px 0;}
}

/* ---------- SUCCESS PAGES ---------- */
.success-hero{padding:70px 5% 150px;text-align:center;}
.check-circle{width:64px;height:64px;border-radius:50%;background:rgba(213,219,225,.16);border:2px solid var(--green);color:var(--green);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;}
.check-circle svg{width:28px;height:28px;}
.success-hero h1{font-size:clamp(32px,4.4vw,52px);font-weight:900;color:#fff;line-height:1.15;margin:12px auto 16px;max-width:760px;}
.success-hero h1 span{color:var(--green);}
.success-hero p.sub{font-size:16px;color:rgba(255,255,255,.72);max-width:600px;margin:0 auto;line-height:1.7;}
.success-hero p.sub strong{color:#fff;}
.success-card-wrap{padding:0 5% 90px;margin-top:-100px;position:relative;z-index:2;}
.success-card{max-width:760px;margin:0 auto;background:#fff;border-radius:16px;border:1px solid var(--lgray);box-shadow:0 30px 60px -30px rgba(13,58,95,.45);padding:36px;}
.success-steps{display:flex;flex-direction:column;gap:0;margin-bottom:26px;}
.success-step{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--lgray);}
.success-step:last-child{border-bottom:none;}
.success-step .n{width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--green);font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.success-step strong{display:block;font-size:15.5px;color:var(--navy);margin-bottom:2px;}
.success-step span{font-size:14px;color:var(--muted);line-height:1.55;}
.speed-up-box{background:var(--off);border:1px solid var(--lgray);border-left:4px solid var(--green);border-radius:12px;padding:20px 22px;margin-bottom:24px;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;}
.speed-up-box p{font-size:14.5px;color:var(--navy);font-weight:600;margin:0;flex:1;min-width:220px;}
.success-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;}
.contact-line{text-align:center;font-size:14px;color:var(--muted);margin-top:24px;}
.contact-line a{color:var(--navy);font-weight:700;text-decoration:none;}
@media (max-width:600px){ .success-card{padding:24px 18px;} .success-hero{padding:48px 6% 130px;} }

/* ---------- LEGAL ---------- */
.legal-section{background:var(--off);padding:0 5% 90px;}
.legal-wrap{max-width:900px;margin:-60px auto 0;position:relative;z-index:2;background:#fff;border-radius:16px;border:1px solid var(--lgray);box-shadow:0 30px 60px -34px rgba(13,58,95,.4);padding:52px 56px;}
.legal-wrap .updated{display:inline-block;font-size:12.5px;font-weight:600;color:var(--navy);background:var(--off);border:1px solid var(--lgray);border-radius:20px;padding:6px 14px;margin-bottom:32px;}
.legal-wrap h2{font-size:22px;font-weight:800;color:var(--navy);margin:40px 0 14px;padding-top:28px;border-top:1px solid var(--lgray);}
.legal-wrap h2:first-of-type{border-top:none;padding-top:0;}
.legal-wrap h3{font-size:16.5px;font-weight:700;color:var(--navy);margin:26px 0 10px;}
.legal-wrap p{font-size:15px;color:#4b5563;line-height:1.85;margin-bottom:16px;}
.legal-wrap ul,.legal-wrap ol{margin:0 0 18px;padding-left:22px;}
.legal-wrap li{font-size:15px;color:#4b5563;line-height:1.8;margin-bottom:8px;}
.legal-wrap li::marker{color:#1A4A72;}
.legal-wrap a{color:#0a7d53;text-decoration:underline;text-underline-offset:2px;}
.legal-wrap strong{color:var(--navy);}
.legal-wrap .disclosure-box,.legal-wrap .highlight-box,.legal-wrap .contact-box{background:var(--off);border:1px solid var(--lgray);border-left:4px solid var(--green);border-radius:12px;padding:22px 24px;margin:24px 0;}
.legal-page-hero{padding-bottom:120px;}
@media (max-width:700px){ .legal-wrap{padding:30px 20px;margin-top:-40px;} .legal-wrap h2{font-size:19px;} }

/* ---------- FOOTER ---------- */
footer.site-footer{background:#fff;padding:64px 5% 28px;color:var(--muted);border-top:1px solid var(--lgray);}
.footer-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:48px;padding-bottom:44px;border-bottom:1px solid var(--lgray);margin-bottom:26px;}
.footer-logo{display:inline-flex;align-items:center;font-size:19px;font-weight:700;color:var(--text);margin-bottom:16px;text-decoration:none;}
.footer-logo img{height:26px;margin-right:8px;}
.footer-logo span{color:var(--slate);}
.footer-desc{font-size:14px;line-height:1.75;margin-bottom:20px;max-width:360px;}
.footer-social{display:flex;gap:10px;}
.social-btn{width:38px;height:38px;border-radius:50%;background:var(--off);border:1px solid var(--lgray);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;color:var(--navy);text-decoration:none;transition:all .2s;}
.social-btn:hover{background:var(--green);border-color:var(--green);color:var(--green-ink);}
.footer-col h4{font-size:12px;font-weight:700;color:var(--navy);letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px;}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:11px;}
.footer-col li{font-size:14px;line-height:1.5;}
.footer-col ul a{color:var(--muted);text-decoration:none;font-size:14px;transition:color .2s;}
.footer-col ul a:hover{color:#1A4A72;}
.footer-bottom{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:13px;flex-wrap:wrap;}
.footer-bottom .links{display:flex;gap:20px;flex-wrap:wrap;}
.footer-bottom a{color:var(--muted);text-decoration:none;font-size:13px;}
.footer-bottom a:hover{color:#1A4A72;}
@media (max-width:900px){ .footer-inner{grid-template-columns:1fr 1fr;} }
@media (max-width:600px){ .footer-inner{grid-template-columns:1fr;gap:32px;} .footer-bottom{flex-direction:column;text-align:center;} }

/* ---------- MOBILE STICKY CTA ---------- */
.mobile-cta{display:none;}
@media (max-width:760px){
  .mobile-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:900;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--lgray);box-shadow:0 -10px 24px -14px rgba(13,58,95,.35);}
  .mobile-cta a{flex:1;display:flex;align-items:center;justify-content:center;gap:6px;padding:12px;border-radius:7px;font-weight:800;font-size:14px;text-decoration:none;}
  .mobile-cta .mc-call{background:#fff;color:var(--navy);border:1.5px solid #D8DFE0;flex:0 0 auto;padding:12px 16px;}
  .mobile-cta .mc-apply{background:var(--green);color:var(--green-ink);}
  body.has-mobile-cta{padding-bottom:72px;}
}

/* Waves that live INSIDE a navy section (no seam against the gradient) */
.navy-tex > .wave-in{position:absolute;left:0;right:0;line-height:0;z-index:1;pointer-events:none;}
.wave-in.bottom{bottom:-1px;}
.wave-in.top{top:-1px;transform:rotate(180deg);}
.wave-in svg{display:block;width:100%;height:64px;}
.navy-tex.wb{padding-bottom:150px;}
.navy-tex.wt{padding-top:150px;}
@media (max-width:700px){
  .wave-in svg{height:34px;}
  .navy-tex.wb{padding-bottom:100px;}
  .navy-tex.wt{padding-top:100px;}
}
.partner-card.navy-tex{background:linear-gradient(120deg,var(--navy-deep) 0%,var(--navy) 100%);overflow:hidden;}

/* Mobile: compact hero so the form sits near the top of the first screen (same approach as the funnel) */
@media (max-width:760px){
  .hero{padding:22px 5% 64px;}
  .hero-grid{gap:18px;}
  .eyebrow{font-size:11px;}
  .hero .hero-copy h1{font-size:30px !important;margin:8px 0 10px;line-height:1.12;}
  .amount-line{font-size:15px;margin-bottom:8px;}
  .amount-line .amt{padding:2px 8px;}
  .hero .hero-sub{font-size:13.5px;line-height:1.5;margin-bottom:6px;}
  .hero .hero-btns,.hero .range-gadget,.hero .hero-checks{display:none;}
  .start-here{font-size:25px;margin-bottom:4px;}
  .form-banner{padding:12px 16px;}
  .speed-badge{font-size:10px;padding:4px 8px;}
}
.form-card{text-align:left;}
.form-banner,.form-divider,.form-legal,.ssl-badge{text-align:center;}
.zig-media > img.tall{min-height:520px;}
@media (max-width:900px){ .zig-media > img, .zig-media > img.tall{min-height:0;height:300px;max-height:none;} }
@media (max-width:480px){ .zig-media > img, .zig-media > img.tall{height:240px;} }

/* =====================================================================
   ENHANCEMENTS — fintech gradient + lender-conversion features
   ===================================================================== */
/* slow gradient (replaces the old line motifs on the official site) */
.fx-layer{position:absolute;inset:0;pointer-events:none;z-index:0;overflow:hidden;}
.navy-tex > .fx-layer{position:absolute;z-index:0;}
.fx-mesh{position:absolute;border-radius:50%;filter:blur(90px);will-change:transform;}
.fx-mesh.m1{width:55vw;height:55vw;max-width:760px;max-height:760px;left:-18%;top:-40%;background:radial-gradient(circle,rgba(213,219,225,.22),transparent 65%);animation:fxMesh1 38s ease-in-out infinite alternate;}
.fx-mesh.m2{width:50vw;height:50vw;max-width:700px;max-height:700px;right:-15%;bottom:-45%;background:radial-gradient(circle,rgba(38,120,210,.24),transparent 65%);animation:fxMesh2 44s ease-in-out infinite alternate;}
@keyframes fxMesh1{to{transform:translate(18%,22%) scale(1.1);}}
@keyframes fxMesh2{to{transform:translate(-16%,-18%) scale(1.08);}}
/* gentle reveal on scroll + header shadow */
.fx-reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1);}
.fx-reveal.fx-in{opacity:1;transform:none;}
.site-header{transition:box-shadow .25s ease;}
.site-header.fx-scrolled{box-shadow:0 8px 24px -14px rgba(13,58,95,.35);}
/* how-it-works line fills once */
.steps-grid::after{content:'';position:absolute;top:69px;left:calc(12.5% + 20px);height:2px;width:0;background:var(--green);z-index:0;transition:width 1.6s cubic-bezier(.2,.7,.2,1);}
.steps-grid.fx-in::after{width:calc(75% - 40px);}
@media (max-width:900px){ .steps-grid::after{display:none;} }
.fx-count{font-variant-numeric:tabular-nums;}
/* reassurance line under the main hero buttons */
.fx-assure{display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:14px;font-size:12.5px;color:rgba(255,255,255,.72);}
.fx-assure span{display:inline-flex;align-items:center;gap:6px;}
.fx-assure span::before{content:'';width:14px;height:14px;border-radius:50%;background:rgba(213,219,225,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23D5DBE1' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/8px no-repeat;}
.page-hero .fx-assure{justify-content:center;}
@media (max-width:900px){ .fx-assure{justify-content:center;} }
@media (max-width:760px){ .hero .fx-assure{display:none;} }
/* slim sticky pre-qualify bar (desktop) */
.fx-sticky{position:fixed;left:0;right:0;top:var(--hdr-h,65px);z-index:990;background:#fff;border-bottom:1px solid var(--lgray);box-shadow:0 10px 24px -16px rgba(13,58,95,.4);transform:translateY(-120%);transition:transform .3s ease;}
.fx-sticky.show{transform:none;}
.fx-sticky-in{max-width:1200px;margin:0 auto;padding:10px 5%;display:flex;align-items:center;justify-content:space-between;gap:16px;}
.fx-sticky-in .msg{font-size:14px;font-weight:700;color:var(--navy);}
.fx-sticky-in .msg span{font-weight:500;color:var(--muted);margin-left:8px;}
.fx-sticky-in .acts{display:flex;gap:14px;align-items:center;}
.fx-sticky-in .btn-green{padding:10px 20px;font-size:14px;}
.fx-sticky-in .ph{font-size:14px;font-weight:700;color:var(--navy);text-decoration:none;}
@media (max-width:900px){ .fx-sticky{display:none;} }
/* focus outline while someone fills in a form */
.form-card:focus-within{box-shadow:0 30px 70px -28px rgba(0,0,0,.55),0 0 0 3px rgba(213,219,225,.45);transition:box-shadow .25s ease;}
@media (prefers-reduced-motion: reduce){
  .fx-mesh{animation:none;}
  .fx-reveal{opacity:1;transform:none;transition:none;}
  .steps-grid::after,.fx-sticky{transition:none;}
}

/* Green bar (official site) — always ONE line */
.qb-one .qualify-bar-inner{flex-wrap:nowrap;white-space:nowrap;gap:0 clamp(10px,1.7vw,22px);}
.qb-one .qb-label{font-size:clamp(8.5px,.82vw,10.5px);}
.qb-one .qb-item{font-size:clamp(10px,1vw,12.5px);}
.qb-one .qb-item.hide-sm{display:flex;}
.qb-one .qb-dup{display:none;}
@media (max-width:1060px){ .qb-one .qb-label{display:none;} }
/* phones: one line that glides slowly so every point stays readable */
@media (max-width:760px){
  .qb-one{overflow:hidden;padding:8px 0;}
  .qb-one .qualify-bar-inner{display:flex;justify-content:flex-start;width:max-content;gap:0;animation:qbGlide 26s linear infinite;}
  .qb-one .qb-item, .qb-one .qb-dup{display:flex;font-size:11px;padding:0 14px;}
  .qb-one .qb-item svg{width:11px;height:11px;}
}
@keyframes qbGlide{from{transform:translateX(0);}to{transform:translateX(-50%);}}
@media (max-width:760px) and (prefers-reduced-motion: reduce){
  .qb-one{overflow-x:auto;} .qb-one .qualify-bar-inner{animation:none;} .qb-one .qb-dup{display:none;}
}

/* right-side mirrors of the left line graphics (official site) */
.wm-arcs-r{right:-40px;bottom:-40px;width:340px;height:260px;opacity:.75;}
.wm-fan-r{right:8px;top:8px;width:188px;height:130px;opacity:.65;}
@media (max-width:900px){ .wm-fan-r{display:none;} }

/* security seal (replaces the plain SSL line on official-site forms) */
.sec-seal{display:flex;align-items:center;gap:12px;margin-top:14px;padding:11px 14px;background:#F3F6F5;border:1px solid #D5DEDB;border-radius:10px;text-align:left;}
.sec-ico{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--green);display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 0 0 3px rgba(213,219,225,.15);}
.sec-ico svg{width:17px;height:17px;}
.sec-txt{display:flex;flex-direction:column;line-height:1.3;}
.sec-txt b{font-size:13px;color:var(--navy);}
.sec-txt small{font-size:11.5px;color:var(--gray);}
/* No-Risk Promise box */
.promise{margin-top:16px;background:#fff;border:1px solid var(--lgray);border-top:3px solid var(--green);border-radius:12px;padding:16px 18px;box-shadow:0 14px 30px -20px rgba(13,58,95,.35);text-align:left;}
.hero .promise{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);border-top-color:var(--green);box-shadow:none;}
.promise-head{display:flex;align-items:center;gap:8px;margin-bottom:10px;}
.promise-head svg{width:20px;height:20px;color:var(--green);}
.promise-head span{font-size:14px;font-weight:800;color:var(--navy);}
.hero .promise-head span{color:#fff;}
.promise ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:7px 16px;}
.promise li{position:relative;padding-left:20px;font-size:13px;color:var(--muted);line-height:1.4;}
.hero .promise li{color:rgba(255,255,255,.8);}
.promise li::before{content:'';position:absolute;left:0;top:2px;width:14px;height:14px;border-radius:50%;background:rgba(213,219,225,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23D5DBE1' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/8px no-repeat;}
.apply-aside .promise ul,.contact-grid .promise ul{grid-template-columns:1fr;}
.contact-grid .promise{margin:0 0 24px;}
@media (max-width:600px){ .promise ul{grid-template-columns:1fr;} }

/* No-Risk Promise — mobile only: centered, even 2x2 tiles */
@media (max-width:600px){
  .promise{text-align:center;padding:18px 14px 16px;}
  .promise-head{justify-content:center;margin-bottom:14px;}
  .promise ul, .apply-aside .promise ul, .contact-grid .promise ul{grid-template-columns:1fr 1fr;grid-auto-rows:1fr;gap:10px;}
  .promise li{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:7px;min-height:84px;padding:14px 8px 12px;border-radius:10px;background:var(--off);border:1px solid var(--lgray);font-size:12.5px;font-weight:600;color:var(--navy);line-height:1.35;text-align:center;}
  .hero .promise li{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:#fff;}
  .promise li::before{position:static;width:22px;height:22px;background-size:10px;flex-shrink:0;}
}
/* phones: compact No-Risk box in the hero so it sits clear of the corner line graphics */
@media (max-width:600px){
  .hero .promise{padding:14px 12px 12px;margin-top:14px;}
  .hero .promise-head{margin-bottom:10px;}
  .hero .promise ul{gap:8px;}
  .hero .promise li{min-height:0;padding:10px 6px 9px;gap:5px;font-size:11.5px;}
  .hero .promise li::before{width:18px;height:18px;background-size:9px;}
}
@media (max-width:600px){ .hero.navy-tex.wb{padding-bottom:175px;} }
/* product shortcut bar: centered when it fits, scrolls from the first item when it doesn't */
.jump-inner{justify-content:flex-start !important;}
.jump-inner > :first-child{margin-left:auto;}
.jump-inner > :last-child{margin-right:auto;}

/* products jump bar: all 9 products visible on desktop (wraps to a 2nd centered row); phones keep the swipe row */
@media (min-width:901px){ .jump-inner{flex-wrap:wrap;justify-content:center !important;row-gap:8px;overflow-x:visible;} .jump-inner > :first-child{margin-left:0;} .jump-inner > :last-child{margin-right:0;} }

/* ===== RESOURCES DROPDOWN (Blog / FAQ / Partner With Us) ===== */
.site-header{overflow:visible;}
.site-header::after{top:0;right:0;height:100%;width:46%;background:radial-gradient(ellipse 100% 190% at 100% 0%,rgba(213,219,225,.12),transparent 70%);}
.nav-dd{position:relative;}
.nav-dd > a{display:inline;}
.nav-dd .dd-caret{display:inline-block;vertical-align:middle;margin:-2px 0 0 4px;transition:transform .2s ease;}
.nav-dd:hover .dd-caret,.nav-dd:focus-within .dd-caret{transform:rotate(180deg);}
.dd-menu{list-style:none;margin:0;padding:8px;position:absolute;top:100%;left:50%;transform:translate(-50%,8px);min-width:200px;background:#fff;border:1px solid var(--lgray);border-radius:12px;box-shadow:0 20px 40px -18px rgba(13,58,95,.45);opacity:0;visibility:hidden;transition:opacity .18s ease,transform .18s ease;z-index:1001;}
.nav-dd::before{content:'';position:absolute;left:0;right:0;top:100%;height:14px;}
.nav-dd:hover .dd-menu,.nav-dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:translate(-50%,4px);}
.main-nav .dd-menu a{display:block;padding:10px 14px;border-radius:8px;color:#0D3A5F !important;font-weight:600;font-size:14px;white-space:nowrap;}
.main-nav .dd-menu a::after{display:none;}
.main-nav .dd-menu a:hover{background:#F5F8FA;color:#1A4A72 !important;}
.mobile-menu a.mm-sub{padding:11px 0 11px 18px;font-size:14px;font-weight:500;color:#5C6670;}


/* ===== STERLING ADVANCE: logo + readable accent text on light backgrounds ===== */
.sa-mark{height:54px;width:auto;flex-shrink:0;display:block;}
@media (max-width:760px){ .sa-mark{height:44px;} }
.logo-text .l1,.logo-text .l2{letter-spacing:.06em;}
.logo-text .l2,.logo-tag{color:#1A4A72;}
.check-circle{color:#1A4A72;border-color:#1A4A72;}
.footer-logo{align-items:center;}
.footer-logo img{height:46px !important;width:auto !important;max-width:none;}

/* ===== STERLING NAVY HEADER ===== */
.site-header{background:linear-gradient(120deg,#082842 0%,#0D3A5F 100%);border-bottom:none;}
.site-header .logo-text .l1{color:#fff;}
.site-header .logo-text .l2,.site-header .logo-tag{color:#D5DBE1;}
.main-nav a{color:rgba(255,255,255,.8);}
.main-nav a:hover,.main-nav a.active{color:#fff;}
.main-nav a::after{background:#D5DBE1;}
.hbtn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35);}
.hbtn-ghost:hover{border-color:#D5DBE1;}
.hamburger{background:transparent;border-color:rgba(255,255,255,.35);}
.hamburger span{background:#fff;}
.site-header.fx-scrolled{box-shadow:0 8px 24px -12px rgba(0,0,0,.55);}
@media (max-width:360px){ .hc-rule{font-size:9px !important;letter-spacing:.12em !important;gap:8px !important;white-space:nowrap;} .hc-rule span+span::before{width:12px !important;margin-right:8px !important;} }