:root {
  --bg: #eef3f7;
  --paper: #ffffff;
  --paper-soft: rgba(255, 255, 255, 0.78);
  --ink: #10243a;
  --muted: #5b7088;
  --line: rgba(16, 36, 58, 0.12);
  --navy: #18324a;
  --navy-deep: #12283b;
  --blue: #325e87;
  --sea: #6b8f98;
  --sage: #dfe9e8;
  --mint: #edf5f3;
  --gold: #c79a4b;
  --success: #1e7c52;
  --shadow: 0 22px 60px rgba(18, 40, 59, 0.12);
  --radius-xl: 30px;
  --radius-lg: 22px;
  --radius-md: 16px;
  --radius-sm: 12px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Inter, Arial, sans-serif;
  line-height: 1.5;
  background:
    radial-gradient(circle at 10% 0%, rgba(107, 143, 152, 0.14), transparent 24%),
    radial-gradient(circle at 85% 8%, rgba(50, 94, 135, 0.08), transparent 20%),
    linear-gradient(180deg, #f7fafc 0%, var(--bg) 100%);
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input {
  font: inherit;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

.container {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
}

.section {
  padding: 88px 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  backdrop-filter: blur(18px);
  background: rgba(247, 250, 252, 0.78);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.2s ease, border-color 0.2s ease, background 0.2s ease;
}

.site-header.scrolled {
  border-color: var(--line);
  box-shadow: 0 12px 30px rgba(18, 40, 59, 0.08);
  background: rgba(255, 255, 255, 0.88);
}

.nav-wrap {
  width: min(1180px, calc(100% - 40px));
  min-height: 80px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.brand-badge {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  color: #fff;
  font-weight: 800;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  box-shadow: 0 12px 22px rgba(24, 50, 74, 0.22);
}

.brand-copy strong,
.brand-copy small {
  display: block;
}

.brand-copy strong {
  font-size: 1.02rem;
  line-height: 1.1;
}

.brand-copy small {
  margin-top: 3px;
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 700;
}

.nav-menu,
.nav-actions,
.hero-actions,
.hero-metrics,
.rate-tabs,
.loan-values,
.cta-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.nav-menu {
  gap: 24px;
  font-size: 0.95rem;
  font-weight: 700;
}

.nav-menu a,
.text-link {
  position: relative;
}

.nav-menu a::after,
.text-link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 100%;
  height: 2px;
  background: var(--blue);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.2s ease;
}

.nav-menu a:hover::after,
.text-link:hover::after {
  transform: scaleX(1);
  transform-origin: left;
}

.nav-apply-mobile {
  display: none;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

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

.button-small {
  min-height: 40px;
  padding: 0 16px;
  font-size: 0.92rem;
}

.button-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  box-shadow: 0 14px 26px rgba(24, 50, 74, 0.2);
}

.button-primary:hover {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
}

.button-secondary {
  background: rgba(255, 255, 255, 0.9);
  color: var(--navy);
  border-color: var(--line);
}

.button-light {
  background: #fff;
  color: var(--navy);
}

.button-outline-light {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.38);
  background: transparent;
}

.hero {
  padding-top: 54px;
}

.hero-layout,
.borrow-layout,
.security-layout,
.faq-layout,
.final-cta-inner,
.footer-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(340px, 0.9fr);
  gap: 56px;
  align-items: center;
}

.hero-story h1 {
  max-width: 760px;
  margin-bottom: 22px;
  font-size: 4.8rem;
  line-height: 0.96;
  letter-spacing: -0.03em;
}

.hero-text,
.section-head p,
.borrow-copy p,
.security-layout p,
.final-cta p,
.faq-answer p,
.site-footer p,
.service-card p,
.feature-box p,
.confidence-item p {
  color: var(--muted);
}

.kicker {
  margin-bottom: 14px;
  color: var(--blue);
  font-size: 0.79rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.kicker.light {
  color: #d9e8f4;
}

.hero-metrics {
  margin-top: 34px;
}

.hero-metrics div,
.confidence-item,
.feature-box,
.rate-module,
.loan-tool,
.service-card,
.security-cards article,
.faq-stack,
.snapshot-shell,
.floating-note {
  border: 1px solid var(--line);
  background: var(--paper-soft);
  box-shadow: 0 14px 34px rgba(18, 40, 59, 0.06);
}

.hero-metrics div {
  min-width: 156px;
  padding: 16px 18px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.72);
}

.hero-metrics strong {
  display: block;
  font-size: 1.4rem;
}

.hero-metrics span {
  color: var(--muted);
  font-size: 0.95rem;
}

.hero-panel {
  position: relative;
}

.snapshot-shell {
  padding: 24px;
  border-radius: var(--radius-xl);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.95), rgba(245, 248, 251, 0.88));
  box-shadow: var(--shadow);
}

.snapshot-top,
.snapshot-bottom,
.snapshot-card li,
.lending-list div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.label {
  display: block;
  color: var(--muted);
  font-size: 0.88rem;
}

.snapshot-top strong {
  display: block;
  margin-top: 6px;
  font-size: 2.5rem;
  line-height: 1;
}

.status-tag,
.mini-tag,
.rate-tab {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 12px;
  border-radius: 999px;
  font-weight: 800;
}

.status-tag {
  color: var(--success);
  background: rgba(30, 124, 82, 0.12);
}

.snapshot-card {
  margin: 20px 0;
  padding: 18px;
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--navy), #294a67);
  color: #fff;
}

.snapshot-card p {
  margin-bottom: 12px;
  color: rgba(255, 255, 255, 0.74);
}

.snapshot-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.snapshot-card li {
  padding: 12px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.snapshot-card li:first-child {
  border-top: 0;
  padding-top: 0;
}

.snapshot-bottom {
  align-items: flex-end;
}

.snapshot-bottom small {
  display: block;
  margin-top: 4px;
  color: var(--muted);
}

.snapshot-bottom a {
  font-weight: 800;
  color: var(--navy);
}

.floating-note {
  position: absolute;
  right: -20px;
  bottom: 28px;
  max-width: 220px;
  padding: 16px 18px;
  border-radius: var(--radius-md);
  background: #fff;
}

.floating-note strong,
.floating-note span {
  display: block;
}

.floating-note span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.92rem;
}

.confidence-band {
  padding: 20px 0 0;
}

.confidence-grid,
.account-columns,
.service-grid,
.security-cards {
  display: grid;
  gap: 18px;
}

.confidence-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.confidence-item {
  padding: 22px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.72);
}

.confidence-item strong {
  display: block;
  margin-bottom: 8px;
}

.split-head,
.compact-head {
  margin-bottom: 34px;
}

.split-head {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
  gap: 28px;
  align-items: end;
}

.section-head h2,
.borrow-copy h2,
.security-layout h2,
.final-cta h2 {
  margin-bottom: 16px;
  font-size: 3rem;
  line-height: 1.04;
  letter-spacing: -0.03em;
}

.account-columns {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.feature-box {
  padding: 26px;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.84);
}

.feature-box.emphasis {
  border-color: rgba(50, 94, 135, 0.26);
  background: linear-gradient(180deg, rgba(255,255,255,0.96), rgba(237,245,243,0.82));
}

.feature-box ul {
  margin: 16px 0 0;
  padding-left: 18px;
  color: var(--muted);
}

.feature-box li + li {
  margin-top: 8px;
}

.feature-box a {
  display: inline-block;
  margin-top: 18px;
  color: var(--navy);
  font-weight: 800;
}

.mini-tag {
  margin-bottom: 16px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--sea));
}

.mini-tag.soft {
  color: var(--navy);
  background: var(--mint);
}

.soft-section {
  background: linear-gradient(180deg, rgba(223, 233, 232, 0.55), rgba(255, 255, 255, 0));
}

.rates-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(360px, 1fr);
  gap: 34px;
  align-items: start;
}

.rate-module {
  padding: 24px;
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.86);
}

.rate-tab {
  border: 0;
  cursor: pointer;
  color: var(--navy);
  background: var(--mint);
}

.rate-tab.active {
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--blue));
}

.rate-display {
  margin-top: 22px;
}

.rate-main span,
.rate-main strong {
  display: block;
}

.rate-main span {
  color: var(--muted);
}

.rate-main strong {
  margin: 8px 0 12px;
  font-size: 2.4rem;
  line-height: 1;
}

.rate-rows {
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.rate-rows li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
}

.loan-tool {
  margin-top: 28px;
  padding: 24px;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.86);
}

.loan-tool label {
  display: block;
  margin-bottom: 14px;
  font-weight: 800;
}

.loan-tool input {
  width: 100%;
  accent-color: var(--blue);
}

.loan-values {
  justify-content: space-between;
  padding: 14px 0;
  margin-top: 10px;
  border-top: 1px solid var(--line);
}

.loan-values strong {
  font-size: 1.7rem;
}

.borrow-visual {
  min-height: 420px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-xl);
  background: linear-gradient(145deg, #dce7ef 0%, #edf3f7 45%, #dfe9e8 100%);
}

.lending-frame {
  width: min(380px, 88%);
  padding: 24px;
  border-radius: 26px;
  background: linear-gradient(180deg, var(--navy), #244360);
  color: #fff;
  box-shadow: 0 28px 60px rgba(18, 40, 59, 0.22);
}

.lending-stat span,
.lending-list span {
  color: rgba(255, 255, 255, 0.72);
}

.lending-stat strong {
  display: block;
  margin-top: 8px;
  font-size: 2rem;
  line-height: 1.1;
}

.bar-trend {
  height: 110px;
  display: flex;
  align-items: end;
  gap: 10px;
  margin: 22px 0;
}

.bar-trend i {
  flex: 1;
  border-radius: 10px 10px 0 0;
  background: rgba(255, 255, 255, 0.72);
}

.bar-trend i:nth-child(1) { height: 32%; }
.bar-trend i:nth-child(2) { height: 48%; }
.bar-trend i:nth-child(3) { height: 58%; }
.bar-trend i:nth-child(4) { height: 74%; }
.bar-trend i:nth-child(5) { height: 66%; }
.bar-trend i:nth-child(6) { height: 88%; }

.lending-list {
  display: grid;
  gap: 12px;
}

.lending-list div {
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.business-section {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0), rgba(255, 255, 255, 0.72));
}

.service-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-card {
  padding: 24px;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
}

.security-panel,
.final-cta {
  color: #fff;
  background: linear-gradient(180deg, var(--navy-deep), var(--navy));
}

.security-layout,
.final-cta-inner {
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1fr);
}

.security-cards {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.security-cards article {
  padding: 22px;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.94);
  color: var(--ink);
}

.faq-layout {
  grid-template-columns: minmax(280px, 0.8fr) minmax(0, 1.2fr);
  align-items: start;
}

.faq-stack {
  padding: 6px 24px;
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.84);
}

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-item:last-child {
  border-bottom: 0;
}

.faq-item button {
  width: 100%;
  padding: 20px 0;
  border: 0;
  background: transparent;
  text-align: left;
  font-weight: 800;
  cursor: pointer;
  color: var(--ink);
}

.faq-answer {
  display: none;
}

.faq-item.open .faq-answer {
  display: block;
}

.faq-answer p {
  margin-bottom: 18px;
}

.final-cta-inner {
  gap: 24px;
}

.site-footer {
  padding: 54px 0;
  color: #fff;
  background: #0e1a27;
}

.footer-layout {
  grid-template-columns: 2fr repeat(3, minmax(140px, 1fr));
  align-items: start;
}

.site-footer h3 {
  margin-bottom: 12px;
  font-size: 1rem;
}

.site-footer a,
.site-footer p {
  display: block;
  color: rgba(255, 255, 255, 0.72);
}

.site-footer a {
  margin-bottom: 8px;
}

.footer-brand {
  margin-bottom: 16px;
}

@media (max-width: 1080px) {
  .hero-layout,
  .borrow-layout,
  .security-layout,
  .faq-layout,
  .final-cta-inner,
  .footer-layout,
  .rates-shell {
    grid-template-columns: 1fr;
  }

  .confidence-grid,
  .service-grid,
  .security-cards,
  .account-columns {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .split-head {
    grid-template-columns: 1fr;
  }

  .hero-story h1 {
    font-size: 4rem;
  }

  .section-head h2,
  .borrow-copy h2,
  .security-layout h2,
  .final-cta h2 {
    font-size: 2.55rem;
  }

  .floating-note {
    right: 0;
  }
}

@media (max-width: 760px) {
  .section {
    padding: 66px 0;
  }

  .nav-wrap {
    min-height: 70px;
  }

  .nav-toggle {
    display: block;
  }

  .nav-menu {
    position: absolute;
    left: 20px;
    right: 20px;
    top: 76px;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.96);
    box-shadow: var(--shadow);
  }

  .nav-menu.open {
    display: flex;
  }

  .nav-actions {
    display: none;
  }

  .nav-apply-mobile {
    display: inline-flex;
    font-weight: 800;
  }

  .confidence-grid,
  .service-grid,
  .security-cards,
  .account-columns,
  .footer-layout {
    grid-template-columns: 1fr;
  }

  .hero-story h1 {
    font-size: 2.9rem;
    line-height: 1;
  }

  .section-head h2,
  .borrow-copy h2,
  .security-layout h2,
  .final-cta h2 {
    font-size: 2.05rem;
  }

  .floating-note {
    position: static;
    margin-top: 16px;
    max-width: none;
  }

  .cta-actions {
    flex-direction: column;
    align-items: stretch;
  }
}

@media (max-width: 460px) {
  .container,
  .nav-wrap {
    width: min(100% - 28px, 1180px);
  }

  .hero {
    padding-top: 32px;
  }

  .hero-story h1 {
    font-size: 2.35rem;
  }

  .snapshot-shell,
  .feature-box,
  .rate-module,
  .loan-tool,
  .service-card,
  .security-cards article,
  .faq-stack {
    padding-left: 18px;
    padding-right: 18px;
  }
}