:root {
  --navy: #173b78;
  --deep-navy: #092653;
  --blue: #1d4d93;
  --orange: #ff7900;
  --orange-light: #ff9b2f;
  --ink: #18345f;
  --muted: #5a6880;
  --pale-blue: #f0f6ff;
  --line: #d8e4f3;
  --white: #fff;
  --shadow: 0 10px 30px rgba(26, 65, 116, .08);
  --radius: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); font-family: Inter, Arial, sans-serif; font-size: 14px; line-height: 1.55; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
.container { width: min(100% - 56px, 1180px); margin: 0 auto; }
.svg-sprite { position: absolute; width: 0; height: 0; overflow: hidden; }

.site-header { height: 84px; background: rgba(255,255,255,.98); position: sticky; top: 0; z-index: 30; box-shadow: 0 1px 0 rgba(13,46,91,.05); }
.header-inner { height: 100%; display: flex; align-items: center; justify-content: space-between; }
.brand { width: 135px; display: block; }
.brand img { display: block; width: 100%; height: auto; }
.primary-nav { display: flex; align-items: center; gap: 31px; height: 100%; }
.nav-link { border: 0; background: none; color: #162542; cursor: pointer; font-size: 12px; font-weight: 600; padding: 33px 0 28px; position: relative; white-space: nowrap; }
.nav-link.active::after { content: ""; height: 2px; width: 27px; background: var(--orange); position: absolute; bottom: 20px; left: 50%; transform: translateX(-50%); }
.dropdown-trigger { display: flex; align-items: center; gap: 6px; }
.chevron { font-size: 15px; line-height: 0; transform: translateY(-2px); }
.nav-dropdown { position: relative; height: 100%; }
.dropdown-menu { min-width: 168px; position: absolute; top: 70px; left: -16px; padding: 8px; display: grid; gap: 2px; background: white; border: 1px solid var(--line); border-radius: 9px; box-shadow: var(--shadow); opacity: 0; pointer-events: none; transform: translateY(-5px); transition: .2s ease; }
.nav-dropdown.open .dropdown-menu, .nav-dropdown:hover .dropdown-menu { opacity: 1; pointer-events: auto; transform: none; }
.dropdown-menu a { padding: 9px 11px; border-radius: 5px; font-size: 12px; }
.dropdown-menu a:hover { background: var(--pale-blue); color: var(--blue); }
.button { min-height: 40px; border: 0; border-radius: 5px; display: inline-flex; align-items: center; justify-content: center; gap: 22px; padding: 0 20px; color: white; font-size: 12px; font-weight: 700; transition: transform .2s ease, box-shadow .2s ease, filter .2s ease; }
.button:hover { transform: translateY(-2px); box-shadow: 0 8px 17px rgba(17, 58, 115, .18); filter: saturate(1.1); }
.button span { font-size: 19px; font-weight: 400; line-height: 0; }
.button-navy { background: var(--navy); }
.button-orange { background: linear-gradient(110deg, var(--orange), var(--orange-light)); }
.nav-cta { min-height: 39px; padding: 0 20px; gap: 17px; }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; }
.menu-toggle span { display: block; width: 25px; height: 2px; background: var(--navy); margin: 5px; transition: .2s ease; }

.hero { min-height: 400px; position: relative; overflow: hidden; background: linear-gradient(106deg, #f1f7ff 0%, #f4f8fc 47%, #e7f1fd 100%); }
.hero-grid { min-height: 400px; display: grid; grid-template-columns: 53% 47%; position: relative; z-index: 2; }
.hero-copy { padding: 47px 0 35px 7px; position: relative; z-index: 4; }
.eyebrow { text-transform: uppercase; color: var(--orange); font-size: 10px; letter-spacing: 1.3px; font-weight: 800; margin: 0 0 10px; }
h1, h2, h3, p { margin-top: 0; }
h1 { margin-bottom: 14px; color: #0d3576; font-size: clamp(31px, 3.1vw, 43px); line-height: 1.16; letter-spacing: -.8px; }
h1 span { color: var(--orange); }
.hero-description { max-width: 410px; color: #2f405d; font-size: 13px; line-height: 1.65; margin-bottom: 22px; }
.hero-features { display: flex; gap: 21px; margin-bottom: 24px; }
.mini-feature { display: flex; align-items: center; gap: 8px; min-width: 0; }
.icon-disc { width: 31px; height: 31px; flex: 0 0 31px; display: grid; place-items: center; color: white; background: var(--navy); border-radius: 50%; }
.icon-disc svg { width: 17px; height: 17px; }
.mini-feature strong, .mini-feature small { display: block; white-space: nowrap; }
.mini-feature strong { color: #102a58; font-size: 9px; line-height: 1.2; margin-bottom: 3px; }
.mini-feature small { color: #5c6b84; font-size: 8px; line-height: 1.2; }
.hero-button { min-height: 46px; padding: 0 26px; font-size: 13px; gap: 28px; }
.hero-visual { position: relative; min-height: 400px; }
.hero-visual img { position: absolute; right: -5px; bottom: -2px; z-index: 3; width: min(510px, 100%); height: 410px; object-fit: cover; object-position: left top; mix-blend-mode: multiply; }
/* .hero-orange-orb { position: absolute; z-index: 1; width: 260px; height: 260px; right: 90px; top: 72px; border-radius: 50%; background: linear-gradient(135deg, #ff850a, #ffb029); } */
.hero-blue-swoop { position: absolute; z-index: 2; width: 390px; height: 180px; right: -70px; bottom: -70px; border-radius: 60% 0 0 0; background: #1760ad; transform: rotate(-8deg); }
.hero-glow { width: 440px; height: 250px; position: absolute; top: 0; right: 32%; background: radial-gradient(ellipse, rgba(199,220,244,.8), transparent 68%); }
.hero-wave { position: absolute; width: 72%; height: 100%; right: -25%; top: 0; background: linear-gradient(102deg, transparent 10%, rgba(221,235,249,.65)); transform: skewX(-19deg); }

.section { padding: 29px 0 24px; }
.loans-section { background: #fff; }
.section-heading { text-align: center; margin-bottom: 18px; }
.section-heading h2 { display: inline-block; color: #0c3575; font-size: 20px; line-height: 1.25; margin: 0; letter-spacing: -.3px; position: relative; }
.section-heading span { width: 46px; height: 2px; background: var(--orange); display: block; margin: 7px auto 0; }
.loan-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.loan-card { min-height: 194px; overflow: hidden; display: grid; grid-template-columns: 56% 44%; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); position: relative; }
.personal-card { background: linear-gradient(107deg, #f4f8ff, #edf5ff); }
.business-card { background: linear-gradient(107deg, #fffaf4, #fff7ec); }
.card-copy { padding: 16px 0 16px 17px; position: relative; z-index: 4; }
.card-title { display: flex; align-items: flex-start; gap: 12px; }
.round-icon { width: 37px; height: 37px; flex: 0 0 37px; display: grid; place-items: center; border-radius: 50%; background: white; box-shadow: 0 2px 6px rgba(29,77,147,.16); }
.round-icon svg { width: 20px; height: 20px; }
.blue-icon { color: var(--navy); }
.orange-icon { color: var(--orange); }
.card-title h3 { margin: 2px 0 4px; color: #102d62; font-size: 14px; line-height: 1.2; }
.business-card .card-title h3 { color: var(--orange); }
.card-title p { max-width: 192px; color: #364b6c; font-size: 9px; line-height: 1.5; margin: 0; }
.check-list { list-style: none; padding: 0; margin: 11px 0 14px; display: grid; gap: 4px; }
.check-list li { color: #334667; font-size: 9px; line-height: 1.2; }
.check-list li::before { content: "✓"; width: 11px; height: 11px; display: inline-grid; place-items: center; margin-right: 6px; color: white; border-radius: 50%; background: #2873c7; font-size: 8px; font-weight: 800; }
.business-card .check-list li::before { background: var(--orange); }
.card-button { min-height: 31px; padding: 0 17px; gap: 20px; font-size: 10px; }
.card-button span { font-size: 16px; }
.card-visual { position: relative; overflow: hidden; }
.card-visual img { position: absolute; bottom: 0; width: 100%; height: 100%; object-fit: cover; object-position: left top; mix-blend-mode: multiply; }
.personal-visual img { right: -8px; }
.business-visual img { right: -22px; object-position: center top; }
.outline-house { position: absolute; right: 9px; top: 24px; width: 95px; height: 67px; border: 2px solid rgba(131,173,224,.18); transform: rotate(45deg); border-radius: 5px; }
.outline-bars { position: absolute; right: 4px; top: 15px; display: flex; gap: 5px; align-items: end; opacity: .35; }
.outline-bars i { width: 9px; background: var(--orange); display: block; }
.outline-bars i:nth-child(1) { height: 20px; opacity: .25; }.outline-bars i:nth-child(2) { height: 32px; opacity: .3; }.outline-bars i:nth-child(3) { height: 44px; opacity: .35; }.outline-bars i:nth-child(4) { height: 57px; opacity: .22; }
.insurance-card { min-height: 107px; margin-top: 16px; border: 1px solid var(--line); border-radius: var(--radius); background: linear-gradient(100deg, #f3f8ff, #eff6ff); display: grid; grid-template-columns: 162px 1fr auto; align-items: center; gap: 23px; padding: 0 35px 0 19px; overflow: hidden; }
.insurance-art { height: 100%; display: flex; align-items: end; justify-content: center; }
.insurance-art img { width: 155px; max-height: 120px; object-fit: cover; object-position: left bottom; mix-blend-mode: multiply; }
.insurance-copy h2 { color: #113977; font-size: 16px; line-height: 1.25; margin: 0 0 7px; }
.insurance-copy p { max-width: 465px; color: #405371; font-size: 10px; line-height: 1.45; margin: 0; }
.insurance-card .button { min-height: 34px; padding: 0 18px; gap: 16px; font-size: 10px; }

.why-section { padding-top: 8px; padding-bottom: 22px; }
.why-section .section-heading { margin-bottom: 16px; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.why-item { display: flex; gap: 11px; padding: 0 20px; border-right: 1px solid #dce5f0; }
.why-item:first-child { padding-left: 17px; }.why-item:last-child { border: 0; }
.why-icon { width: 42px; height: 42px; flex: 0 0 42px; display: grid; place-items: center; color: var(--navy); background: #edf4fd; border-radius: 50%; }
.why-icon svg { width: 22px; height: 22px; }
.why-item h3 { color: #253957; font-size: 9px; line-height: 1.25; margin: 2px 0 4px; }
.why-item p { color: #586a86; font-size: 8px; line-height: 1.45; margin: 0; }

.cta-section { position: relative; overflow: hidden; background: linear-gradient(105deg, #123d89, #082d70); color: white; }
.cta-inner { min-height: 74px; display: flex; align-items: center; justify-content: space-between; position: relative; z-index: 2; }
.cta-copy { display: flex; align-items: center; gap: 16px; }
.cta-icon { width: 39px; height: 39px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.8); border-radius: 50%; }
.cta-icon svg { width: 21px; height: 21px; transform: rotate(-7deg); }
.cta-copy h2 { font-size: 17px; line-height: 1.2; margin: 0 0 2px; }
.cta-copy p { color: rgba(255,255,255,.82); font-size: 11px; margin: 0; }
.cta-inner .button { min-height: 39px; min-width: 114px; gap: 18px; }
.cta-dots { position: absolute; right: 4%; top: 0; width: 180px; height: 100%; opacity: .14; background-image: radial-gradient(#fff 1px, transparent 1px); background-size: 10px 10px; transform: skewX(-16deg); }

.application-section { background: #f7faff; padding: 45px 0; }
.application-box { max-width: 850px; display: grid; grid-template-columns: .9fr 1.1fr; gap: 45px; padding: 30px 36px; background: white; border: 1px solid var(--line); border-radius: 13px; box-shadow: var(--shadow); }
.application-box h2 { color: #103875; font-size: 26px; line-height: 1.15; margin: 0 0 8px; }
.application-box > div > p:last-child { color: var(--muted); font-size: 12px; }
.application-form { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; align-content: center; }
.application-form label { color: #29415f; font-size: 10px; font-weight: 700; display: grid; gap: 5px; }
.application-form input, .application-form select { width: 100%; height: 38px; border: 1px solid #d7e1ef; border-radius: 5px; padding: 0 11px; color: var(--ink); background: white; outline: none; font-size: 11px; }
.application-form input:focus, .application-form select:focus { border-color: #5d8fd0; box-shadow: 0 0 0 3px rgba(54,122,207,.12); }
.application-form button { align-self: end; min-height: 38px; }
.form-message { grid-column: 1 / -1; color: #168056; font-size: 11px; margin: -2px 0 0; min-height: 16px; }

.site-footer { color: white; background: linear-gradient(110deg, #062554, #082c64); }
.footer-grid { display: grid; grid-template-columns: 1.38fr .85fr .98fr 1fr; gap: 47px; padding-top: 22px; padding-bottom: 18px; }
.footer-brand img { width: 125px; height: auto; display: block; margin-bottom: 7px; }
.footer-brand p { color: rgba(255,255,255,.76); font-size: 9px; line-height: 1.55; margin-bottom: 11px; }
.socials { display: flex; gap: 7px; }
.socials a { width: 21px; height: 21px; display: grid; place-items: center; border-radius: 50%; color: #eaf2ff; background: rgba(255,255,255,.13); font-size: 11px; font-weight: 700; transition: .2s ease; }
.socials a:hover { color: var(--orange-light); background: white; transform: translateY(-2px); }
.footer-col { display: flex; flex-direction: column; gap: 6px; }
.footer-col h3 { color: white; font-size: 10px; margin: 0 0 5px; }
.footer-col > a, .footer-col p { color: rgba(255,255,255,.8); font-size: 9px; line-height: 1.2; margin: 0; transition: color .2s ease; }
.footer-col > a:hover, .footer-col p a:hover { color: var(--orange-light); }
.contact-col p { display: flex; gap: 9px; align-items: flex-start; line-height: 1.5; }
.contact-col svg { width: 15px; height: 15px; flex: 0 0 15px; color: white; }
.footer-bottom { min-height: 33px; border-top: 1px solid rgba(255,255,255,.18); display: flex; align-items: center; justify-content: space-between; color: rgba(255,255,255,.7); font-size: 8px; }
.footer-bottom span:last-child { display: flex; gap: 23px; }.footer-bottom a:hover { color: white; }

@media (max-width: 900px) {
  .container { width: min(100% - 36px, 700px); }
  .primary-nav { gap: 18px; }
  .hero-grid { grid-template-columns: 55% 45%; }
  .hero-features { gap: 10px; }.mini-feature strong { font-size: 8px; }.mini-feature small { font-size: 7px; }
  .loan-card { grid-template-columns: 58% 42%; }
  .footer-grid { gap: 25px; }
}
@media (max-width: 700px) {
  .site-header { height: 66px; }.container { width: min(100% - 32px, 520px); }.brand { width: 118px; }
  .menu-toggle { display: block; z-index: 32; }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .primary-nav { position: absolute; top: 66px; left: 0; width: 100%; height: auto; padding: 10px 16px 17px; background: white; border-top: 1px solid #eaf0f8; box-shadow: 0 12px 24px rgba(18,54,101,.12); display: grid; gap: 0; opacity: 0; pointer-events: none; transform: translateY(-8px); transition: .2s ease; }
  .primary-nav.open { opacity: 1; pointer-events: auto; transform: none; }.nav-link { padding: 12px 4px; text-align: left; }.nav-link.active::after { left: 4px; bottom: 5px; transform: none; }.nav-dropdown { height: auto; }.dropdown-trigger { width: 100%; }.dropdown-menu { position: static; display: none; box-shadow: none; border: 0; padding: 0 0 3px 14px; transform: none; }.nav-dropdown.open .dropdown-menu { display: grid; opacity: 1; pointer-events: auto; }.nav-cta { width: max-content; margin-top: 8px; padding: 0 18px; }
  .hero { min-height: 0; }.hero-grid { display: block; }.hero-copy { padding: 37px 0 27px; }.hero-description { max-width: 440px; }.hero-features { gap: 14px; }.mini-feature { gap: 5px; }.icon-disc { width: 28px; height: 28px; flex-basis: 28px; }.mini-feature strong { font-size: 8px; }.mini-feature small { font-size: 7px; }.hero-visual { min-height: 290px; margin: 0 -16px; }.hero-visual img { width: 385px; height: 310px; right: 0; }.hero-orange-orb { width: 205px; height: 205px; right: 70px; top: 54px; }.hero-blue-swoop { width: 310px; height: 130px; right: -80px; bottom: -53px; }
  .loan-grid { grid-template-columns: 1fr; }.loan-card { min-height: 200px; }.insurance-card { grid-template-columns: 130px 1fr; gap: 15px; padding: 10px 16px 10px 9px; }.insurance-card .button { grid-column: 2; justify-self: start; }.insurance-art img { width: 125px; }.insurance-copy h2 { font-size: 15px; }
  .why-grid { grid-template-columns: 1fr 1fr; gap: 18px 0; }.why-item { padding: 0 13px; border-right: 0; }.why-item:nth-child(odd) { padding-left: 0; }.why-item:nth-child(-n+2) { padding-bottom: 18px; border-bottom: 1px solid #dce5f0; }
  .cta-inner { min-height: 125px; padding: 18px 0; align-items: flex-start; flex-direction: column; gap: 13px; }.cta-inner .button { align-self: flex-end; margin-top: -45px; }.cta-copy h2 { font-size: 15px; }.cta-copy p { font-size: 10px; }
  .application-box { grid-template-columns: 1fr; gap: 20px; padding: 24px 20px; }.application-form { grid-template-columns: 1fr; }.form-message { grid-column: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 25px 20px; }.footer-brand { grid-column: 1 / -1; }.footer-bottom { padding: 10px 0; gap: 9px; align-items: flex-start; flex-direction: column; }.footer-bottom span:last-child { gap: 17px; }
}
@media (max-width: 390px) {
  .container { width: min(100% - 24px, 520px); } h1 { font-size: 29px; }.hero-features { gap: 7px; }.mini-feature strong { font-size: 7px; }.mini-feature small { font-size: 6.5px; }.icon-disc { width: 26px; height: 26px; flex-basis: 26px; }.hero-visual { margin: 0 -12px; }.hero-visual img { right: -14px; }.hero-orange-orb { right: 38px; }.insurance-card { grid-template-columns: 110px 1fr; }.insurance-art img { width: 108px; }.why-item { gap: 7px; padding-right: 7px; }.why-icon { width: 36px; height: 36px; flex-basis: 36px; }.why-item h3 { font-size: 8px; }.why-item p { font-size: 7px; }
}