:root {
  --ink: #182433;
  --ink-soft: #425466;
  --paper: #fbfcfb;
  --surface: #ffffff;
  --line: #d8e1dd;
  --teal: #0f766e;
  --teal-dark: #0d5f5a;
  --green: #c9f2d0;
  --gold: #f4b942;
  --rose: #f6d7c5;
  --shadow: 0 20px 55px rgba(24, 36, 51, .14);
  --max: 1160px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 1000;
  transform: translateY(-160%);
  background: var(--ink);
  color: #fff;
  padding: 10px 14px;
  border-radius: 8px;
}

.skip-link:focus {
  transform: translateY(0);
}

.notice-bar {
  background: var(--ink);
  color: #fff;
  font-size: 13px;
  text-align: center;
  padding: 9px 18px;
}

.notice-bar p {
  margin: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  padding: 0 clamp(18px, 4vw, 54px);
  background: rgba(251, 252, 251, .92);
  border-bottom: 1px solid rgba(216, 225, 221, .8);
  backdrop-filter: blur(16px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-size: 17px;
  font-weight: 800;
  letter-spacing: 0;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  border-radius: 8px;
  background: var(--teal);
  color: #fff;
  font-weight: 900;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.site-nav a {
  padding: 9px 12px;
  border-radius: 8px;
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a:focus {
  background: #edf6f1;
  color: var(--ink);
}

.site-nav .nav-cta {
  margin-left: 6px;
  color: #fff;
  background: var(--teal);
}

.site-nav .nav-cta:hover,
.site-nav .nav-cta:focus {
  background: var(--teal-dark);
  color: #fff;
}

.menu-button {
  display: none;
  width: 42px;
  height: 38px;
  padding: 8px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.menu-button span {
  display: block;
  height: 2px;
  margin: 5px 0;
  background: var(--ink);
}

.hero {
  position: relative;
  min-height: calc(100svh - 105px);
  overflow: hidden;
  isolation: isolate;
}

.hero-media,
.hero-overlay {
  position: absolute;
  inset: 0;
}

.hero-media {
  z-index: -3;
  background: url("../img/hero-finance.jpg") center / cover no-repeat;
  transform: scale(1.02);
}

.hero-overlay {
  z-index: -2;
  background:
    linear-gradient(90deg, rgba(18, 28, 42, .9) 0%, rgba(18, 28, 42, .7) 42%, rgba(18, 28, 42, .38) 100%),
    linear-gradient(0deg, rgba(18, 28, 42, .22), rgba(18, 28, 42, .22));
}

.hero-inner {
  width: min(var(--max), calc(100% - 36px));
  min-height: calc(100svh - 105px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 420px);
  align-items: center;
  gap: clamp(24px, 5vw, 62px);
  padding: 48px 0;
}

.hero-copy {
  color: #fff;
  max-width: 720px;
}

.eyebrow,
.section-kicker,
.panel-kicker {
  margin: 0 0 14px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.hero .eyebrow {
  color: var(--green);
}

h1,
h2,
h3,
p {
  text-wrap: pretty;
}

h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(44px, 7vw, 84px);
  line-height: .97;
  letter-spacing: 0;
}

.hero-lead {
  max-width: 660px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, .88);
  font-size: clamp(17px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 30px 0 0;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 18px;
  border: 0;
  border-radius: 8px;
  font: inherit;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
  transition: transform .18s ease, background .18s ease, box-shadow .18s ease;
}

.button:hover,
.button:focus {
  transform: translateY(-2px);
}

.button-primary {
  background: var(--green);
  color: #173423;
  box-shadow: 0 14px 32px rgba(0, 0, 0, .22);
}

.button-ghost {
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .42);
  background: rgba(255, 255, 255, .1);
}

.button-panel {
  width: 100%;
  min-height: 52px;
  margin-top: 4px;
  background: var(--teal);
  color: #fff;
}

.button-panel:hover,
.button-panel:focus {
  background: var(--teal-dark);
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}

.hero-points li {
  padding: 8px 10px;
  border: 1px solid rgba(255, 255, 255, .24);
  border-radius: 8px;
  color: rgba(255, 255, 255, .82);
  font-size: 13px;
  font-weight: 700;
  background: rgba(255, 255, 255, .08);
}

.eligibility-panel {
  width: 100%;
  padding: 22px;
  border-radius: 8px;
  background: rgba(255, 255, 255, .96);
  box-shadow: var(--shadow);
}

.panel-heading h2 {
  margin: 0 0 18px;
  font-size: 24px;
  line-height: 1.15;
}

.eligibility-panel label {
  display: grid;
  gap: 7px;
  margin-bottom: 13px;
  color: var(--ink-soft);
  font-size: 13px;
  font-weight: 900;
}

.eligibility-panel input,
.eligibility-panel select {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 12px;
  color: var(--ink);
  background: #fff;
  font: inherit;
  font-weight: 700;
}

.eligibility-panel input:focus,
.eligibility-panel select:focus {
  outline: 3px solid rgba(15, 118, 110, .18);
  border-color: var(--teal);
}

.form-note,
.form-status {
  margin: 12px 0 0;
  color: var(--ink-soft);
  font-size: 12px;
}

.form-status {
  min-height: 18px;
  color: var(--teal-dark);
  font-weight: 900;
}

.apply-panel {
  align-self: center;
}

.panel-checks {
  display: grid;
  gap: 11px;
  margin: 0 0 18px;
  padding: 0;
  list-style: none;
}

.panel-checks li {
  position: relative;
  padding-left: 25px;
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 800;
}

.panel-checks li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .35em;
  width: 12px;
  height: 12px;
  border-radius: 4px;
  background: var(--teal);
  box-shadow: inset 0 0 0 4px #dff5e4;
}

.form-note-top {
  margin-top: -4px;
}

.section-wrap {
  width: min(var(--max), calc(100% - 36px));
  margin: 0 auto;
}

.split {
  display: grid;
  grid-template-columns: minmax(220px, 420px) minmax(0, 1fr);
  gap: clamp(28px, 6vw, 80px);
  align-items: start;
}

.truth-strip,
.steps-section,
.rates-section,
.faq-section,
.final-cta {
  padding: clamp(64px, 9vw, 104px) 0;
}

.truth-strip {
  background: #fff;
}

.truth-strip h2,
.steps-section h2,
.rates-section h2,
.responsible-section h2,
.story-copy h2,
.faq-section h2,
.final-cta h2,
.legal-main h1 {
  margin: 0;
  font-size: clamp(34px, 4.8vw, 58px);
  line-height: 1.02;
  letter-spacing: 0;
}

.copy-stack p {
  margin: 0 0 18px;
  color: var(--ink-soft);
  font-size: 18px;
}

.copy-stack p:last-child {
  margin-bottom: 0;
}

.section-heading {
  max-width: 720px;
  margin-bottom: 34px;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--line);
}

.step {
  min-height: 270px;
  padding: clamp(22px, 4vw, 34px);
  background: #fff;
}

.step-number {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border-radius: 8px;
  background: #e3f7e8;
  color: var(--teal-dark);
  font-weight: 900;
}

.step h3 {
  margin: 28px 0 10px;
  font-size: 24px;
}

.step p {
  margin: 0;
  color: var(--ink-soft);
}

.image-story,
.responsible-section {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, .9fr);
  gap: clamp(28px, 6vw, 72px);
  align-items: center;
  width: min(var(--max), calc(100% - 36px));
  margin: 0 auto;
  padding: clamp(56px, 8vw, 92px) 0;
}

.story-image img,
.responsible-section img {
  width: 100%;
  aspect-ratio: 1.15 / 1;
  object-fit: cover;
  border-radius: 8px;
}

.story-copy,
.responsible-copy {
  max-width: 560px;
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 32px;
  color: var(--ink-soft);
  font-weight: 700;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .25em;
  width: 18px;
  height: 18px;
  border-radius: 6px;
  background: var(--teal);
  box-shadow: inset 0 0 0 5px #dff5e4;
}

.rates-section {
  background: #eff7f2;
}

.rate-table {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.rate-row {
  display: grid;
  grid-template-columns: minmax(140px, .8fr) minmax(0, 1.2fr);
  gap: 18px;
  padding: 18px;
  border-bottom: 1px solid var(--line);
}

.rate-row span {
  color: var(--ink-soft);
  font-weight: 800;
}

.rate-row strong {
  font-size: 17px;
}

.fine-print {
  margin: 0;
  padding: 18px;
  color: var(--ink-soft);
  font-size: 14px;
}

.responsible-section {
  grid-template-columns: minmax(320px, .9fr) minmax(0, 1.1fr);
}

.responsible-copy p {
  color: var(--ink-soft);
  font-size: 18px;
}

.text-link {
  color: var(--teal-dark);
  font-weight: 900;
}

.faq-section {
  background: #fff;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-list details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.faq-list summary {
  cursor: pointer;
  padding: 18px 20px;
  font-size: 18px;
  font-weight: 900;
}

.faq-list p {
  margin: 0;
  padding: 0 20px 20px;
  color: var(--ink-soft);
}

.final-cta {
  text-align: center;
  color: #fff;
  background: var(--ink);
}

.final-cta .section-kicker {
  color: var(--green);
}

.final-cta h2 {
  max-width: 820px;
  margin: 0 auto 28px;
}

.site-footer {
  padding: 46px clamp(18px, 4vw, 54px) 34px;
  color: rgba(255, 255, 255, .75);
  background: #101923;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(260px, 420px) minmax(0, 1fr);
  gap: 34px;
  width: min(var(--max), 100%);
  margin: 0 auto;
}

.brand-footer {
  color: #fff;
}

.site-footer p {
  max-width: 820px;
  margin: 16px 0 0;
}

.site-footer nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(180px, 1fr));
  gap: 10px 18px;
}

.site-footer nav a {
  color: rgba(255, 255, 255, .82);
  font-weight: 700;
  text-decoration: none;
}

.site-footer nav a:hover,
.site-footer nav a:focus {
  color: #fff;
}

.footer-disclaimer,
.copyright {
  width: min(var(--max), 100%);
  margin-left: auto !important;
  margin-right: auto !important;
  font-size: 13px;
}

.legal-main {
  width: min(860px, calc(100% - 36px));
  margin: 0 auto;
  padding: clamp(48px, 8vw, 92px) 0;
}

.legal-main article {
  padding: clamp(22px, 4vw, 38px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.legal-main h1 {
  margin-bottom: 20px;
}

.legal-main h2 {
  margin-top: 32px;
  font-size: 24px;
}

.legal-main p,
.legal-main li {
  color: var(--ink-soft);
}

.apply-main {
  background: #f4faf6;
}

.apply-hero {
  padding: clamp(46px, 7vw, 88px) 0;
}

.apply-layout {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(340px, 520px);
  gap: clamp(28px, 6vw, 72px);
  align-items: start;
}

.apply-copy h1 {
  max-width: 680px;
  margin: 0;
  font-size: clamp(42px, 6vw, 76px);
  line-height: .98;
}

.apply-lead {
  max-width: 650px;
  margin: 24px 0 0;
  color: var(--ink-soft);
  font-size: clamp(17px, 2vw, 21px);
}

.apply-disclosure {
  max-width: 680px;
  margin-top: 34px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}

.apply-disclosure h2 {
  margin: 0;
  font-size: 28px;
  line-height: 1.12;
}

.application-widget {
  width: 100%;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: var(--shadow);
}

.lg-form-shell {
  min-height: 520px;
  margin-top: 18px;
}

.lg-form-shell iframe,
.lg-form-shell form {
  max-width: 100%;
}

[data-reveal] {
  opacity: 1;
  transform: none;
}

.hero-copy[data-reveal],
.eligibility-panel[data-reveal],
.apply-copy[data-reveal],
.application-widget[data-reveal] {
  animation: liftIn .68s ease both;
}

.eligibility-panel[data-reveal],
.application-widget[data-reveal] {
  animation-delay: .12s;
}

@keyframes liftIn {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
  }
}

@media (max-width: 900px) {
  .menu-button {
    display: block;
  }

  .site-nav {
    position: absolute;
    top: 72px;
    left: 18px;
    right: 18px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 10px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
    box-shadow: var(--shadow);
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 12px;
  }

  .site-nav .nav-cta {
    margin-left: 0;
    text-align: center;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    align-items: end;
    padding: 48px 0 28px;
  }

  .eligibility-panel {
    max-width: 520px;
  }

  .split,
  .apply-layout,
  .image-story,
  .responsible-section,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .responsible-section img {
    order: -1;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .step {
    min-height: auto;
  }
}

@media (max-width: 620px) {
  .brand {
    font-size: 14px;
  }

  .brand-mark {
    width: 32px;
    height: 32px;
  }

  .site-header {
    min-height: 66px;
  }

  .site-nav {
    top: 66px;
  }

  .hero,
  .hero-inner {
    min-height: calc(100svh - 99px);
  }

  .hero-inner {
    width: min(100% - 28px, var(--max));
  }

  h1 {
    font-size: clamp(39px, 13vw, 58px);
  }

  .hero-lead {
    font-size: 16px;
  }

  .hero-points li {
    width: 100%;
  }

  .rate-row {
    grid-template-columns: 1fr;
    gap: 6px;
  }

  .site-footer nav {
    grid-template-columns: 1fr;
  }

  .apply-layout {
    grid-template-columns: 1fr;
  }

  .application-widget {
    padding: 18px;
  }
}