:root {
  --navy: #1E3A5F;
  --navy-deep: #0B1929;
  --navy-mid: #142D48;
  --ice: #6A9AB8;
  --ice-bright: #A8CCE0;
  --ice-light: #D6EAF5;
  --ice-pale: #E8F1F8;
  --ice-muted: #7AA4C0;
  --text: #0C1B2E;
  --text-mid: #3D5A73;
  --text-muted: #6A8499;
  --bg-alt: #F5F9FC;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Outfit', system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--sans); color: var(--text); background: #FFF; overflow-x: hidden; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }

/* === ANIMATIONS === */
@keyframes fadeUp { from { opacity:0; transform:translateY(30px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeIn { from { opacity:0; } to { opacity:1; } }
@keyframes slideDown { from { opacity:0; transform:translateY(-10px); } to { opacity:1; transform:translateY(0); } }
@keyframes scaleIn { from { opacity:0; transform:scale(0.95); } to { opacity:1; transform:scale(1); } }
@keyframes shimmer { 0% { background-position:-200% 0; } 100% { background-position:200% 0; } }
.anim-up { animation: fadeUp 0.8s ease both; }
.anim-up-d1 { animation: fadeUp 0.8s ease 0.1s both; }
.anim-up-d2 { animation: fadeUp 0.8s ease 0.2s both; }
.anim-up-d3 { animation: fadeUp 0.8s ease 0.3s both; }
.anim-up-d4 { animation: fadeUp 0.8s ease 0.4s both; }
.anim-fade { animation: fadeIn 1s ease both; }
.anim-scale { animation: scaleIn 0.6s ease both; }

/* === NAV === */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.92); backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--ice-pale);
  animation: slideDown 0.5s ease both;
}
.nav-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 40px;
}
.logo { display: flex; align-items: center; gap: 12px; }
.logo-mark {
  width: 40px; height: 40px; border-radius: 10px;
  border: 2px solid var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 20px; font-weight: 600; color: var(--navy);
}
.logo-text { font-size: 15px; font-weight: 700; color: var(--text); letter-spacing: 0.08em; }
.logo-sub { font-size: 9px; color: var(--ice-muted); letter-spacing: 0.14em; margin-top: -2px; }
.nav-links { display: flex; gap: 28px; align-items: center; }
.nav-links a { font-size: 12px; font-weight: 600; color: var(--text-muted); letter-spacing: 0.06em; transition: color 0.3s; }
.nav-links a:hover { color: var(--navy); }
.nav-cta {
  border: 2px solid var(--navy); color: var(--navy);
  padding: 10px 26px; font-size: 11px; font-weight: 700;
  letter-spacing: 0.1em; transition: all 0.3s;
}
.nav-cta:hover { background: var(--navy); color: #FFF; }

/* === HERO === */
.hero {
  position: relative; min-height: 85vh;
  display: flex; align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background-image: url('https://images.unsplash.com/photo-1501785888041-af3ef285b470?w=1600&h=900&fit=crop&crop=center');
  background-size: cover; background-position: center 35%;
  transform: scale(1.02);
  animation: fadeIn 1.5s ease both;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg,
    rgba(11,25,41,0.78) 0%,
    rgba(20,45,72,0.6) 35%,
    rgba(30,58,95,0.4) 55%,
    rgba(106,154,184,0.2) 80%,
    rgba(168,204,224,0.1) 100%
  );
}
.hero-vignette {
  position: absolute; bottom: 0; left: 0; right: 0; height: 35%;
  background: linear-gradient(180deg, transparent, rgba(11,25,41,0.4));
}
.hero-content {
  position: relative; z-index: 1;
  max-width: 1200px; margin: 0 auto;
  padding: 80px 40px;
}
.hero-label {
  font-size: 12px; color: rgba(255,255,255,0.45);
  letter-spacing: 0.18em; font-weight: 500;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: var(--serif); font-size: clamp(2.8rem, 5vw, 4rem);
  font-weight: 400; color: #FFF; line-height: 1.15;
  max-width: 620px; margin-bottom: 22px;
  text-shadow: 0 2px 40px rgba(0,0,0,0.2);
}
.hero-desc {
  font-size: 15px; color: rgba(255,255,255,0.6);
  line-height: 1.85; max-width: 480px; margin-bottom: 32px;
  font-weight: 300;
}
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-solid {
  background: var(--navy); color: #FFF;
  padding: 15px 34px; font-size: 12px; font-weight: 700;
  letter-spacing: 0.12em; transition: all 0.3s;
  cursor: pointer; border: none;
}
.btn-solid:hover { background: var(--navy-mid); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(11,25,41,0.3); }
.btn-outline-white {
  border: 1.5px solid rgba(255,255,255,0.4);
  color: rgba(255,255,255,0.75);
  padding: 14px 30px; font-size: 12px; font-weight: 600;
  letter-spacing: 0.1em; background: rgba(255,255,255,0.04);
  backdrop-filter: blur(6px); transition: all 0.3s;
  cursor: pointer;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #FFF; }

/* === STATS === */
.stats-divider { height: 1px; background: var(--ice-pale); margin: 0 40px; max-width: 1120px; margin-left: auto; margin-right: auto; }
.stats-row {
  max-width: 1200px; margin: 0 auto;
  display: flex; gap: 64px; padding: 30px 40px;
}
.stat-item .num { font-family: var(--serif); font-size: 30px; font-weight: 500; color: var(--text); }
.stat-item .label { font-size: 10px; color: var(--ice-muted); letter-spacing: 0.14em; font-weight: 600; margin-top: 4px; }

/* === SECTIONS === */
section { padding: clamp(60px, 8vw, 100px) 0; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.section-label {
  font-size: 11px; color: var(--ice-muted);
  letter-spacing: 0.16em; font-weight: 600; margin-bottom: 10px;
}
.section-title {
  font-family: var(--serif); font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 400; color: var(--text); margin-bottom: 8px;
}
.section-desc { font-size: 14px; color: var(--text-muted); line-height: 1.85; max-width: 560px; font-weight: 300; }
.text-center { text-align: center; }
.text-center .section-desc { margin: 0 auto; }
.bg-alt { background: var(--bg-alt); }

/* === BENEFITS === */
.benefits-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 36px; }
.benefit-card {
  background: #FFF; border-radius: 14px; padding: 28px 24px;
  border: 1px solid var(--ice-pale);
  transition: all 0.4s cubic-bezier(.22,1,.36,1);
}
.benefit-card:hover { transform: translateY(-6px); box-shadow: 0 12px 36px rgba(11,25,41,0.08); border-color: transparent; }
.benefit-icon { font-size: 28px; margin-bottom: 14px; }
.benefit-card h3 { font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.benefit-card p { font-size: 13px; color: var(--text-muted); line-height: 1.75; font-weight: 300; }

/* === PHOTO SECTION === */
.photo-section {
  position: relative; overflow: hidden;
  background-size: cover; background-position: center;
}
.photo-section .overlay {
  position: absolute; inset: 0;
  background: linear-gradient(170deg, rgba(11,25,41,0.82), rgba(30,58,95,0.7), rgba(11,25,41,0.75));
}
.photo-section .content { position: relative; z-index: 1; }

/* === STEPS === */
.steps-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; margin-top: 36px; }
.step-num {
  font-family: var(--serif); font-size: 36px; font-weight: 400;
  color: rgba(255,255,255,0.15); margin-bottom: 10px;
}
.step-title { font-size: 14px; font-weight: 700; color: #FFF; margin-bottom: 5px; }
.step-desc { font-size: 12px; color: rgba(255,255,255,0.45); line-height: 1.75; font-weight: 300; }

/* === EXPERT === */
.expert-box { display: flex; gap: 20px; align-items: flex-start; max-width: 700px; }
.expert-avatar {
  width: 60px; height: 60px; border-radius: 99px;
  background: var(--ice-pale); display: flex; align-items: center; justify-content: center;
  color: var(--navy); font-size: 18px; font-weight: 700; flex-shrink: 0;
}
.expert-name { font-size: 15px; font-weight: 700; color: var(--text); }
.expert-title { font-size: 12px; color: var(--ice-muted); margin-bottom: 8px; }
.expert-quote {
  font-family: var(--serif); font-size: 15px; color: var(--text-muted);
  line-height: 1.85; font-style: italic;
}

/* === REVIEWS === */
.reviews-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 36px; }
.review-card {
  background: #FFF; border-radius: 14px; padding: 24px 22px;
  border: 1px solid var(--ice-pale);
  transition: all 0.4s cubic-bezier(.22,1,.36,1);
}
.review-card:hover { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(11,25,41,0.06); }
.review-stars { color: #FBBF24; font-size: 14px; margin-bottom: 10px; letter-spacing: 2px; }
.review-text { font-family: var(--serif); font-size: 14px; color: var(--text-muted); font-style: italic; line-height: 1.8; margin-bottom: 14px; }
.reviewer { display: flex; align-items: center; gap: 10px; }
.reviewer-avatar {
  width: 38px; height: 38px; border-radius: 99px;
  background: var(--ice-pale); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 12px; color: var(--navy);
}
.reviewer-name { font-size: 12px; font-weight: 700; color: var(--text); }
.reviewer-loc { font-size: 10px; color: var(--ice-muted); }

/* === TABLE === */
.compare-wrap { overflow-x: auto; margin-top: 28px; }
.compare-table { width: 100%; border-collapse: collapse; border-radius: 12px; overflow: hidden; border: 1px solid var(--ice-pale); }
.compare-table thead { background: var(--navy-deep); }
.compare-table th { padding: 12px 18px; text-align: left; font-size: 12px; color: rgba(255,255,255,0.5); font-weight: 700; letter-spacing: 0.04em; }
.compare-table th.hl { color: var(--ice-bright); }
.compare-table td { padding: 12px 18px; font-size: 12px; color: var(--text-muted); border-top: 1px solid var(--ice-pale); }
.compare-table .rv { color: var(--navy); font-weight: 700; }
.compare-table tbody tr:nth-child(even) { background: #FAFCFE; }
.compare-table tbody tr:hover { background: #F0F7FB; }

/* === FAQ === */
.faq-list { max-width: 720px; margin: 36px auto 0; }
.faq-item { border-bottom: 1px solid var(--ice-pale); }
.faq-q {
  width: 100%; padding: 18px 0; display: flex; justify-content: space-between; align-items: center;
  background: none; border: none; cursor: pointer;
  font-family: var(--sans); font-size: 15px; font-weight: 600; color: var(--text);
  text-align: left; gap: 12px; transition: color 0.3s;
}
.faq-q:hover { color: var(--navy); }
.faq-q .icon { font-size: 20px; color: var(--ice); transition: transform 0.3s; flex-shrink: 0; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.5s ease; }
.faq-item.open .faq-a { max-height: 300px; }
.faq-a p { font-size: 13px; color: var(--text-muted); line-height: 1.85; padding-bottom: 18px; font-weight: 300; }

/* === CTA === */
.cta-section {
  position: relative; overflow: hidden;
  background-image: url('https://images.unsplash.com/photo-1433086966358-54859d0ed716?w=1600&h=600&fit=crop');
  background-size: cover; background-position: center;
  text-align: center;
}
.cta-section .overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,25,41,0.82), rgba(30,58,95,0.72), rgba(11,25,41,0.78));
}
.cta-section .content { position: relative; z-index: 1; padding: clamp(60px,10vw,100px) 40px; max-width: 1200px; margin: 0 auto; }
.cta-section h2 { font-family: var(--serif); font-size: clamp(1.8rem,3.5vw,2.6rem); font-weight: 400; color: #FFF; margin-bottom: 12px; text-shadow: 0 2px 20px rgba(0,0,0,0.2); }
.cta-section p { font-size: 14px; color: rgba(255,255,255,0.5); margin-bottom: 28px; font-weight: 300; }
.btn-white {
  display: inline-block; background: #FFF; color: var(--navy);
  padding: 16px 38px; font-size: 13px; font-weight: 700;
  letter-spacing: 0.1em; transition: all 0.3s; cursor: pointer; border: none;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,0.15); }
.cta-sub { font-size: 11px; color: rgba(255,255,255,0.3); margin-top: 18px; letter-spacing: 0.06em; }

/* === FOOTER === */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.4); padding: 50px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
.footer-brand p { font-size: 13px; color: rgba(255,255,255,0.25); line-height: 1.75; max-width: 280px; margin-top: 12px; font-weight: 300; }
.footer-col h4 { font-size: 10px; font-weight: 700; color: rgba(255,255,255,0.5); letter-spacing: 0.12em; margin-bottom: 12px; }
.footer-col a { display: block; font-size: 13px; color: rgba(255,255,255,0.25); padding: 4px 0; transition: color 0.3s; font-weight: 300; }
.footer-col a:hover { color: rgba(255,255,255,0.6); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 18px;
  display: flex; justify-content: space-between; font-size: 11px; color: rgba(255,255,255,0.15);
}

@media(max-width:768px) {
  .nav-links { display: none; }
  .hero h1 { font-size: 2.2rem; }
  .stats-row { flex-wrap: wrap; gap: 24px; }
  .benefits-grid, .steps-grid, .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .expert-box { flex-direction: column; }
}

/* === BACK TO TOP === */
.back-to-top{position:fixed;bottom:1.5rem;right:1.5rem;width:44px;height:44px;border-radius:10px;background:var(--navy);color:#FFF;display:flex;align-items:center;justify-content:center;font-size:1.1rem;opacity:0;transform:translateY(14px);transition:all .3s;cursor:pointer;border:1px solid rgba(255,255,255,0.1);z-index:999}
.back-to-top.visible{opacity:1;transform:translateY(0)}
.back-to-top:hover{background:var(--navy-mid)}

/* === PAGE HERO (inner pages) === */
.page-hero{position:relative;min-height:320px;display:flex;align-items:center;overflow:hidden;background-image:url('https://images.unsplash.com/photo-1501785888041-af3ef285b470?w=1600&h=500&fit=crop');background-size:cover;background-position:center 40%}
.page-hero .overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(11,25,41,0.82),rgba(30,58,95,0.65),rgba(106,154,184,0.3))}
.page-hero .content{position:relative;z-index:1;max-width:1200px;margin:0 auto;padding:60px 40px;text-align:center}
.page-hero h1{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);font-weight:400;color:#FFF;margin-bottom:10px}
.page-hero p{font-size:14px;color:rgba(255,255,255,0.55);max-width:520px;margin:0 auto;font-weight:300}

/* === CONTENT PAGES === */
.content-section{max-width:800px;margin:0 auto;padding:clamp(40px,6vw,80px) 40px}
.content-section h2{font-family:var(--serif);font-size:1.5rem;font-weight:400;color:var(--text);margin:2rem 0 0.6rem}
.content-section h3{font-size:1.1rem;font-weight:600;color:var(--text);margin:1.5rem 0 0.4rem}
.content-section p{color:var(--text-muted);line-height:1.85;margin-bottom:1rem;font-weight:300}
.content-section ul{margin:1rem 0 1rem 1.2rem}
.content-section ul li{position:relative;padding-left:1rem;margin-bottom:0.4rem;color:var(--text-muted);font-weight:300}
.content-section ul li::before{content:'→';position:absolute;left:0;color:var(--ice)}

/* === BLOG === */
.blog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin-top:36px}
.blog-card{background:#FFF;border-radius:14px;overflow:hidden;border:1px solid var(--ice-pale);transition:all .4s cubic-bezier(.22,1,.36,1)}
.blog-card:hover{transform:translateY(-6px);box-shadow:0 12px 36px rgba(11,25,41,0.08);border-color:transparent}
.blog-thumb{height:160px;background:linear-gradient(135deg,var(--bg-alt),var(--ice-pale));display:flex;align-items:center;justify-content:center;font-size:2.5rem}
.blog-body{padding:20px}
.blog-body h3{font-size:14px;font-weight:700;margin-bottom:6px}
.blog-body h3 a{color:var(--text)}
.blog-body h3 a:hover{color:var(--navy)}
.blog-body p{font-size:13px;color:var(--text-muted);margin-bottom:8px;font-weight:300;line-height:1.7}
.blog-meta{font-size:11px;color:var(--ice-muted)}

.article-header{text-align:center;max-width:660px;margin:0 auto 2rem}
.article-header h1{font-family:var(--serif);font-size:clamp(1.6rem,3vw,2.2rem);font-weight:400;margin-bottom:8px;color:var(--text)}
.article-meta{font-size:12px;color:var(--ice-muted);display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}
.article-content{max-width:700px;margin:0 auto}
.article-content h2{font-family:var(--serif);font-size:1.4rem;font-weight:400;margin:2rem 0 0.8rem;color:var(--text)}
.article-content p{color:var(--text-muted);margin-bottom:1rem;line-height:1.85;font-weight:300}
.article-content blockquote{border-left:3px solid var(--ice);padding:1rem 1.2rem;margin:1.2rem 0;background:var(--bg-alt);font-family:var(--serif);font-style:italic;color:var(--text);border-radius:0 8px 8px 0}

/* === BREADCRUMBS === */
.breadcrumbs{font-size:12px;color:var(--ice-muted);margin-bottom:8px}
.breadcrumbs a{color:var(--navy);font-weight:600}

/* === HAMBURGER === */
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:.5rem}
.hamburger span{width:22px;height:2px;background:var(--navy);border-radius:1px;transition:all .3s}
@media(max-width:900px){
  .hamburger{display:flex}
  .nav-links{position:fixed;top:68px;left:0;right:0;bottom:0;background:#FFF;flex-direction:column;align-items:center;padding-top:2rem;gap:1.5rem;transform:translateX(100%);transition:transform .35s}
  .nav-links.open{transform:translateX(0)}
}

/* === PRINT === */
@media print{.site-nav,.site-footer,.cta-section,.back-to-top,.hero-bg{display:none!important}body{color:#000;background:#fff}}

/* === EMBEDDED LOAN FORM STYLING === */
#_lg_form_ { border-radius: 12px; overflow: hidden; }
#_lg_form_ input, #_lg_form_ select {
  font-family: var(--sans) !important;
  border-radius: 8px !important;
  border: 1px solid rgba(255,255,255,0.12) !important;
  background: rgba(255,255,255,0.06) !important;
  color: #FFF !important;
  padding: 10px 14px !important;
  font-size: 14px !important;
  transition: border-color 0.3s !important;
}
#_lg_form_ input:focus, #_lg_form_ select:focus {
  border-color: rgba(168,204,224,0.4) !important;
  outline: none !important;
}
#_lg_form_ input::placeholder { color: rgba(255,255,255,0.25) !important; }
#_lg_form_ label {
  font-family: var(--sans) !important;
  color: rgba(255,255,255,0.45) !important;
  font-size: 12px !important;
  font-weight: 500 !important;
  letter-spacing: 0.04em !important;
}
#_lg_form_ button, #_lg_form_ input[type="submit"], #_lg_form_ .btn, #_lg_form_ [type="submit"] {
  font-family: var(--sans) !important;
  background: #FFF !important;
  color: var(--navy) !important;
  border: none !important;
  border-radius: 8px !important;
  padding: 12px 24px !important;
  font-size: 14px !important;
  font-weight: 700 !important;
  letter-spacing: 0.06em !important;
  cursor: pointer !important;
  transition: all 0.3s !important;
  width: 100% !important;
}
#_lg_form_ button:hover, #_lg_form_ input[type="submit"]:hover, #_lg_form_ .btn:hover {
  transform: translateY(-2px) !important;
  box-shadow: 0 6px 20px rgba(0,0,0,0.15) !important;
}
#_lg_form_ a { color: var(--ice-bright) !important; }
#_lg_form_ h1, #_lg_form_ h2, #_lg_form_ h3, #_lg_form_ h4 {
  font-family: var(--serif) !important;
  color: #FFF !important;
}
#_lg_form_ p, #_lg_form_ span, #_lg_form_ div {
  font-family: var(--sans) !important;
}