:root{
  --bg:#F8FAFC; --band:#EFF4F9; --card:#FFFFFF;
  --ink:#18263E; --text:#42506A; --soft:#73819B;
  --line:#E4EAF2; --line-2:#D5DEE9;
  --amber:#F5B32F; --amber-deep:#C98E14; --amber-soft:#FDF3DC;
  --blue:#2E6BE6; --blue-deep:#1E4FB8; --blue-soft:#E9F0FD;
  --green:#1F8A4C;
  --radius:14px; --radius-lg:22px;
  --shadow:0 16px 44px rgba(24,38,62,.10);
  --shadow-sm:0 8px 22px rgba(24,38,62,.08);
  --font-d:'Outfit',sans-serif; --font-b:'Source Sans 3',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{font-family:var(--font-b);color:var(--text);background:var(--bg);line-height:1.7;font-size:16.5px;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:var(--blue)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--font-d);font-size:.74rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--blue)}
h1,h2,h3{font-family:var(--font-d);color:var(--ink);line-height:1.18;letter-spacing:-.015em}
h2{font-size:clamp(1.75rem,3.5vw,2.4rem);font-weight:700;margin:.45em 0 .5em}
h3{font-weight:700;font-size:1.08rem}
.section{padding:92px 0}
.section-head{max-width:640px;margin-bottom:44px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head p{color:var(--soft)}
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:var(--font-d);font-weight:700;font-size:.95rem;padding:.9em 1.8em;border-radius:12px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;transition:transform .15s,background .15s,color .15s,box-shadow .15s;white-space:nowrap}
.btn-amber{background:var(--amber);color:var(--ink);box-shadow:0 10px 26px rgba(245,179,47,.4)}
.btn-amber:hover{background:#FFC24B;transform:translateY(-2px)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#22345A;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue)}
.learn-more{display:inline-flex;align-items:center;gap:.6em;font-family:var(--font-d);font-weight:700;font-size:.9rem;color:var(--ink);text-decoration:none}
.learn-more::after{content:"⟶";color:var(--amber-deep)}
.learn-more:hover{color:var(--blue)}

/* photo wrapper with graceful fallback */
.ph{position:relative;overflow:hidden;background:linear-gradient(150deg,#DCE7F3,#F1EBDB)}
.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}

/* ---------- transparent header over hero ---------- */
.header{position:fixed;top:0;left:0;right:0;z-index:90;transition:background .25s,box-shadow .25s}
.header.scrolled{background:rgba(255,255,255,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);box-shadow:0 4px 22px rgba(24,38,62,.08)}
.header.scrolled .nav{height:68px}
.nav{display:flex;align-items:center;gap:34px;height:86px;transition:height .25s}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;margin-right:auto}
.logo-mark{width:36px;height:36px}
.logo-name{font-family:var(--font-d);font-weight:800;font-size:1.22rem;color:var(--ink)}
.logo-name em{font-style:normal;color:var(--amber)}
.nav-links{display:flex;gap:28px;list-style:none}
.nav-links > li{position:relative}
.nav-links a{color:var(--ink);text-decoration:none;font-family:var(--font-d);font-weight:600;font-size:.88rem}
.nav-links > li > a:hover{color:var(--blue)}
.has-drop > a{display:inline-flex;align-items:center;gap:5px}
.has-drop > a svg{width:12px;height:12px;stroke:currentColor;transition:transform .15s}
.has-drop:hover > a svg{transform:rotate(180deg)}
.has-drop::after{content:"";position:absolute;left:0;right:0;top:100%;height:16px}
.drop{position:absolute;top:calc(100% + 14px);left:-16px;min-width:230px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .15s,transform .15s,visibility .15s;z-index:60}
.has-drop:hover .drop,.has-drop:focus-within .drop{opacity:1;visibility:visible;transform:none}
.drop li a{display:block;padding:9px 14px;border-radius:9px;color:var(--ink);font-size:.85rem;font-weight:600;white-space:nowrap}
.drop li a:hover{background:var(--blue-soft);color:var(--blue)}
.nav-cta{padding:.68em 1.35em;font-size:.85rem;box-shadow:0 8px 20px rgba(245,179,47,.35)}
.nav-burger{display:none;width:44px;height:44px;border:1.5px solid var(--line-2);border-radius:12px;background:#fff;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;padding:0;box-shadow:var(--shadow-sm)}
.nav-burger span{width:18px;height:2px;background:var(--ink);border-radius:2px;display:block}
@media (max-width:900px){.nav-links{display:none}.nav-burger{display:flex}}
@media (max-width:560px){.nav-cta{display:none}}

/* ---------- mobile drawer ---------- */
.mobile-overlay{position:fixed;inset:0;background:rgba(16,26,44,.5);z-index:98;opacity:0;transition:opacity .25s}
.mobile-overlay.open{opacity:1}
.mobile-menu{position:fixed;top:0;right:0;bottom:0;width:min(340px,88vw);background:#fff;z-index:99;box-shadow:-24px 0 60px rgba(24,38,62,.28);transform:translateX(105%);transition:transform .28s cubic-bezier(.4,0,.2,1);display:flex;flex-direction:column;padding:20px 22px 26px}
.mobile-menu.open{transform:none}
.mm-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px}
.mm-head .logo{margin-right:0}
.mm-head .logo-mark{width:32px;height:32px}
.mm-head .logo-name{font-size:1.08rem}
.mm-close{width:40px;height:40px;border-radius:10px;border:1.5px solid var(--line-2);background:#fff;cursor:pointer;display:flex;align-items:center;justify-content:center}
.mm-close svg{width:18px;height:18px;stroke:var(--ink)}
.mm-nav{flex:1;overflow-y:auto;display:flex;flex-direction:column}
.mm-link,.mm-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;padding:15px 6px;font-family:var(--font-d);font-weight:700;font-size:1rem;color:var(--ink);text-decoration:none;border:0;border-bottom:1px solid var(--line);background:none;cursor:pointer;text-align:left}
.mm-toggle svg{width:16px;height:16px;stroke:var(--soft);transition:transform .2s;flex:none}
.mm-toggle[aria-expanded="true"] svg{transform:rotate(180deg)}
.mm-sub{list-style:none;overflow:hidden;max-height:0;transition:max-height .25s ease;background:var(--band);border-radius:12px}
.mm-group.open .mm-sub{max-height:420px;margin:8px 0 10px}
.mm-sub a{display:block;padding:11px 16px;font-family:var(--font-d);font-size:.9rem;font-weight:600;color:var(--text);text-decoration:none}
.mm-sub a:hover{color:var(--blue)}
.mm-cta{padding-top:18px;display:flex;flex-direction:column;gap:12px}
.mm-cta .btn{width:100%;justify-content:center}
.mm-phone{text-align:center;font-family:var(--font-d);font-weight:700;color:var(--ink);text-decoration:none;font-size:.9rem}
.mm-phone:hover{color:var(--blue)}

/* ---------- hero: full-bleed photo + wave into light body ---------- */
.hero{position:relative;min-height:90vh;display:flex;align-items:center;overflow:hidden}
.hero-bg{position:absolute;inset:0}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(248,250,252,.9) 0%,rgba(248,250,252,.6) 42%,rgba(248,250,252,.14) 66%,rgba(248,250,252,0) 82%)}
.hero-bg img{object-position:74% center}
.hero-inner{position:relative;z-index:2;width:100%;padding:130px 0 180px}
.hero-grid{display:block}
.hero-grid > div{max-width:640px}
.hero h1{font-size:clamp(2.2rem,4.8vw,3.6rem);font-weight:800;color:var(--ink);margin:.4em 0 .5em}
.hero h1 .accent{color:var(--amber-deep)}
.hero-sub{color:var(--text);font-size:1.08rem;max-width:30em;margin-bottom:32px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-proof{display:flex;gap:20px;flex-wrap:wrap}
.proof-item{display:flex;align-items:center;gap:8px;font-family:var(--font-d);font-size:.82rem;font-weight:600;color:var(--ink)}
.proof-item svg{width:16px;height:16px;stroke:var(--green)}

/* floating mini loan cards */
.mini-badge{position:absolute;top:10px;right:10px;z-index:2;background:rgba(255,255,255,.95);color:var(--ink);font-family:var(--font-d);font-weight:700;font-size:.7rem;border-radius:8px;padding:.3em .7em;font-variant-numeric:tabular-nums}
    .hero-wave{position:absolute;left:0;right:0;bottom:-1px;z-index:3}
.hero-wave svg{width:100%;height:auto;display:block}

/* text halo: keeps copy crisp over the photo without washing the image */
.hero .eyebrow,.hero h1,.hero-sub,.proof-item{text-shadow:0 1px 0 rgba(248,250,252,.9),0 0 12px rgba(248,250,252,.85),0 0 26px rgba(248,250,252,.65)}

/* tablet: shorter headline lines, text column off the subject */
@media (max-width:1024px){
  .hero h1{font-size:clamp(1.9rem,3.6vw,2.4rem)}
  .hero-grid > div{max-width:520px}
}
@media (max-width:760px){
  .hero{min-height:100vh;min-height:100svh;align-items:flex-end}
  .hero-inner{padding:120px 0 96px}
  /* photo on top, text-safe wash at the bottom */
  .hero-bg::after{background:linear-gradient(180deg,rgba(248,250,252,.06) 0%,rgba(248,250,252,.32) 40%,rgba(248,250,252,.85) 64%,rgba(248,250,252,.93) 100%)}
  .hero-bg img{object-position:84% 20%}
  .hero-sub{font-size:.98rem;margin-bottom:24px}
  .hero-proof{gap:14px;flex-wrap:nowrap}
  .proof-item{font-size:.72rem;gap:5px;white-space:nowrap}
  .proof-item svg{width:13px;height:13px}
  .hero-wave svg{height:54px}
}
@media (max-width:560px){
  .hero h1{font-size:1.95rem}
  .hero-ctas{width:100%}
  .hero-ctas .btn{width:100%;justify-content:center;padding:1.05em 1.8em}
  .hero-proof{gap:10px;justify-content:space-between;width:100%}
  .proof-item{font-size:.68rem}
}

/* ---------- overview: stats + fanned polaroids ---------- */
.overview{position:relative;overflow:hidden}
.stamp{
  position:absolute;top:56px;right:4%;width:168px;height:168px;border-radius:50%;
  border:2.5px dashed rgba(46,107,230,.3);display:flex;align-items:center;justify-content:center;
  transform:rotate(14deg);pointer-events:none;
  font-family:var(--font-d);font-weight:700;letter-spacing:.26em;font-size:.72rem;color:rgba(46,107,230,.45);text-transform:uppercase;
}
.overview-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:60px;align-items:center}
.stats{display:flex;gap:34px;flex-wrap:wrap;margin-bottom:28px}
.stat{display:flex;flex-direction:column;gap:6px}
.stat-icon{width:44px;height:44px;border-radius:50%;background:var(--blue-soft);display:flex;align-items:center;justify-content:center}
.stat-icon svg{width:20px;height:20px;stroke:var(--blue)}
.stat span{font-size:.76rem;font-weight:600;color:var(--soft)}
.stat b{font-family:var(--font-d);font-weight:800;font-size:1.7rem;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.overview p{color:var(--text);font-size:.96rem;margin-bottom:14px}
.badge-row{display:flex;align-items:center;gap:16px;margin-top:24px}
.round-badge{width:46px;height:46px;border-radius:50%;border:1.5px solid var(--line-2);background:#fff;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-sm)}
.round-badge svg{width:20px;height:20px;stroke:var(--blue)}
.fan{position:relative;min-height:440px}
.polaroid{position:absolute;background:#fff;padding:10px 10px 12px;box-shadow:var(--shadow);border-radius:6px;border:1px solid var(--line)}
.polaroid .ph{position:relative;width:100%;height:100%;border-radius:3px}
.polaroid.p1{width:44%;aspect-ratio:3/4.4;left:0;top:12%;transform:rotate(-9deg);z-index:1}
.polaroid.p2{width:46%;aspect-ratio:3/4.2;left:26%;top:4%;transform:rotate(-1deg);z-index:2}
.polaroid.p3{width:50%;aspect-ratio:3/4;right:0;top:0;transform:rotate(7deg);z-index:3}
@media (max-width:960px){.overview-grid{grid-template-columns:1fr}.fan{min-height:360px}}

/* ---------- about / why ---------- */
.about{background:var(--band);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.about-grid{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:56px;align-items:center}
.about-photo{aspect-ratio:4/5;border-radius:var(--radius-lg);box-shadow:var(--shadow)}
.about p{color:var(--text);font-size:.96rem;margin-bottom:14px}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.feature svg{width:30px;height:30px;stroke:var(--blue);margin-bottom:10px}
.feature h3{font-size:.96rem;color:var(--ink);margin-bottom:4px}
.feature p{font-size:.82rem;color:var(--soft)}
.reviewed-by{margin-top:28px;display:flex;align-items:center;gap:14px;background:#fff;border:1px dashed var(--line-2);border-radius:var(--radius);padding:16px 20px;font-size:.84rem;color:var(--soft)}
.reviewed-by .ph{width:46px;height:46px;border-radius:50%;flex:none}
@media (max-width:900px){.about-grid{grid-template-columns:1fr}.features{grid-template-columns:1fr}}

/* ---------- products ---------- */
.products-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.product-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.product-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.product-photo{aspect-ratio:16/9.5;position:relative}
.product-photo .mini-badge{top:12px;right:12px;background:var(--amber);color:var(--ink)}
.product-body{padding:24px 24px 28px;display:flex;flex-direction:column;flex:1}
.product-body h3{font-size:1.2rem;margin-bottom:8px}
.product-body > p{font-size:.9rem;color:var(--soft);margin-bottom:16px}
.product-list{list-style:none;margin-bottom:20px}
.product-list li{font-size:.87rem;padding:7px 0 7px 24px;position:relative;border-top:1px dashed var(--line)}
.product-list li::before{content:"✦";position:absolute;left:2px;top:6px;color:var(--amber-deep);font-size:.8rem}
.product-body .learn-more{margin-top:auto;font-size:.86rem}
@media (max-width:900px){.products-grid{grid-template-columns:1fr}}

/* ---------- reviews (trustpilot style) ---------- */
.tp-summary{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;margin-bottom:40px;padding:22px 26px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);max-width:720px;margin-left:auto;margin-right:auto}
.tp-summary .tp-word{font-family:var(--font-d);font-weight:800;font-size:1.15rem;color:var(--ink)}
.tp-summary .tp-score{font-size:.86rem;color:var(--soft);font-weight:600}
.tp-summary .tp-score b{color:var(--ink);font-variant-numeric:tabular-nums}
.tp-logo{display:inline-flex;align-items:center;gap:6px;font-family:var(--font-d);font-weight:800;font-size:1.02rem;color:var(--ink)}
.tp-logo .tp-star-lg{width:22px;height:22px;display:inline-flex;align-items:center;justify-content:center}
.tp-logo .tp-star-lg svg{width:22px;height:22px;fill:#00B67A}
.tp-divider{width:1px;height:34px;background:var(--line);flex:none}
.tp-stars{display:inline-flex;gap:3px}
.tp-star{width:22px;height:22px;background:#00B67A;border-radius:3px;display:flex;align-items:center;justify-content:center;flex:none}
.tp-star svg{width:15px;height:15px;fill:#fff}
.tp-star.empty{background:#DCDCE6}
.tp-star.sm{width:18px;height:18px}
.tp-star.sm svg{width:12px;height:12px}

.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.review-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px 26px 24px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);transition:transform .18s,box-shadow .18s}
.review-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.review-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:14px}
.review-verified{display:inline-flex;align-items:center;gap:5px;font-size:.7rem;font-weight:700;color:var(--soft)}
.review-verified svg{width:14px;height:14px;stroke:#00B67A}
.review-card h3{font-size:1rem;margin-bottom:8px;color:var(--ink)}
.review-card > p{font-size:.88rem;color:var(--text);margin-bottom:18px;flex:1}
.review-foot{display:flex;align-items:center;gap:12px;border-top:1px solid var(--line);padding-top:16px}
.review-avatar{width:40px;height:40px;border-radius:50%;flex:none;display:flex;align-items:center;justify-content:center;font-family:var(--font-d);font-weight:800;font-size:.92rem;color:#fff}
.review-who{line-height:1.35}
.review-who b{display:block;font-family:var(--font-d);font-weight:700;font-size:.88rem;color:var(--ink)}
.review-who span{font-size:.76rem;color:var(--soft)}
.review-date{margin-left:auto;font-size:.72rem;color:var(--soft);font-variant-numeric:tabular-nums;white-space:nowrap;align-self:flex-start}
@media (max-width:900px){.reviews-grid{grid-template-columns:1fr}}

/* ---------- pros & cons ---------- */
.procon-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.procon{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px 30px 32px;box-shadow:var(--shadow-sm)}
.procon.pros{border-top:4px solid var(--green)}
.procon.cons{border-top:4px solid var(--amber-deep)}
.procon-head{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.procon-badge{width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex:none}
.procon.pros .procon-badge{background:#E7F5EC}
.procon.cons .procon-badge{background:var(--amber-soft)}
.procon-badge svg{width:22px;height:22px}
.procon.pros .procon-badge svg{stroke:var(--green)}
.procon.cons .procon-badge svg{stroke:var(--amber-deep)}
.procon-head h3{font-size:1.15rem}
.procon ul{list-style:none}
.procon li{position:relative;padding:11px 0 11px 30px;font-size:.9rem;color:var(--text);border-top:1px dashed var(--line)}
.procon li:first-child{border-top:none}
.procon li b{color:var(--ink);font-weight:700}
.procon li::before{content:"";position:absolute;left:0;top:12px;width:19px;height:19px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;line-height:1}
.procon.pros li::before{content:"✓";background:#E7F5EC;color:var(--green)}
.procon.cons li::before{content:"!";background:var(--amber-soft);color:var(--amber-deep)}
.procon-note{grid-column:1/-1;background:var(--blue-soft);border:1px solid #C9DCFB;border-radius:var(--radius);padding:18px 22px;display:flex;gap:14px;align-items:flex-start}
.procon-note svg{width:22px;height:22px;flex:none;stroke:var(--blue);margin-top:2px}
.procon-note p{font-size:.86rem;color:var(--text)}
@media (max-width:800px){.procon-grid{grid-template-columns:1fr}}

/* ---------- blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.blog-photo{aspect-ratio:16/9.5}
.blog-body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.blog-meta{display:flex;align-items:center;gap:10px;font-family:var(--font-d);font-size:.72rem;font-weight:600;color:var(--soft);margin-bottom:10px}
.blog-tag{color:var(--blue);background:var(--blue-soft);border-radius:99px;padding:.3em .9em;font-weight:700}
.blog-body h3{font-size:1.08rem;line-height:1.35;margin-bottom:8px}
.blog-body h3 a{color:var(--ink);text-decoration:none}
.blog-body h3 a:hover{color:var(--blue)}
.blog-body > p{font-size:.88rem;color:var(--soft);margin-bottom:16px}
.blog-body .learn-more{margin-top:auto;font-size:.86rem}
@media (max-width:900px){.blog-grid{grid-template-columns:1fr}}

/* ---------- how it works: timeline stepper ---------- */
.how{background:var(--band);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:34px;position:relative;counter-reset:step}
.steps::before{content:"";position:absolute;top:44px;left:12.5%;right:12.5%;height:2px;background:repeating-linear-gradient(90deg,var(--line-2) 0 9px,transparent 9px 19px)}
.step{position:relative;counter-increment:step;text-align:center}
.step-icon{width:88px;height:88px;border-radius:26px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;position:relative;z-index:1;transition:transform .18s,box-shadow .18s}
.step-icon svg{width:36px;height:36px;stroke:var(--blue)}
.step-icon::after{content:"0" counter(step);position:absolute;top:-10px;right:-12px;width:32px;height:32px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--font-d);font-weight:800;font-size:.76rem;display:flex;align-items:center;justify-content:center;box-shadow:0 5px 12px rgba(245,179,47,.5)}
.step:hover .step-icon{transform:translateY(-6px);box-shadow:var(--shadow)}
.step:last-child .step-icon{background:var(--ink);border-color:var(--ink)}
.step:last-child .step-icon svg{stroke:var(--amber)}
.step h3{font-size:1.04rem;margin-bottom:8px}
.step p{font-size:.88rem;color:var(--soft);max-width:22em;margin:0 auto}
.how-cta{text-align:center;margin-top:48px}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr;gap:40px 24px}.steps::before{display:none}}
@media (max-width:540px){.steps{grid-template-columns:1fr}}

/* ---------- rates: product rate cards ---------- */
.rate-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:40px}
.rate-card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px 26px 18px;box-shadow:var(--shadow-sm);transition:transform .18s,box-shadow .18s}
.rate-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.rate-tag{position:absolute;top:-12px;right:20px;font-family:var(--font-d);font-size:.66rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;background:var(--amber);color:var(--ink);border-radius:99px;padding:.5em 1.1em;box-shadow:0 4px 10px rgba(245,179,47,.4)}
.rc-head{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.rc-icon{width:44px;height:44px;border-radius:12px;background:var(--blue-soft);display:flex;align-items:center;justify-content:center;flex:none}
.rc-icon svg{width:22px;height:22px;stroke:var(--blue)}
.rc-head h3{font-size:1rem}
.rc-amount{font-family:var(--font-d);font-weight:800;font-size:1.8rem;color:var(--ink);font-variant-numeric:tabular-nums;letter-spacing:-.01em;line-height:1.1}
.rc-amount small{display:block;font-family:var(--font-b);font-size:.74rem;font-weight:600;color:var(--soft);margin:4px 0 16px}
.rc-meta{list-style:none}
.rc-meta li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-top:1px dashed var(--line);font-size:.85rem}
.rc-meta li span{color:var(--soft)}
.rc-meta li b{color:var(--ink);font-weight:600;text-align:right}
.rate-bottom{display:grid;grid-template-columns:1.08fr .92fr;gap:44px;align-items:center}
.example-box{background:var(--amber-soft);border:1px solid #F0DCAC;border-radius:var(--radius-lg);padding:28px 30px;display:flex;gap:18px;align-items:flex-start}
.example-box > svg{width:44px;height:44px;padding:11px;border-radius:50%;background:#fff;stroke:var(--amber-deep);flex:none;box-sizing:border-box}
.example-box h3{font-size:1rem;margin-bottom:6px}
.example-box p{font-size:.88rem;color:var(--text)}
.rates-notes{display:flex;flex-direction:column;gap:24px}
.note{display:flex;gap:16px}
.note svg{width:40px;height:40px;padding:10px;border-radius:50%;background:var(--blue-soft);flex:none;stroke:var(--blue);box-sizing:border-box}
.note h3{font-size:.95rem;margin-bottom:3px}
.note p{font-size:.86rem;color:var(--soft)}
@media (max-width:900px){.rate-cards{grid-template-columns:1fr}.rate-bottom{grid-template-columns:1fr;gap:28px}}

/* ---------- borrow responsibly strip ---------- */
.resp-strip{margin-top:48px;display:flex;gap:18px;align-items:flex-start;border-top:1px solid var(--line);padding-top:30px}
.resp-strip svg{width:42px;height:42px;padding:10px;border-radius:50%;background:var(--amber-soft);stroke:var(--amber-deep);flex:none;box-sizing:border-box}
.resp-strip p{font-size:.88rem;color:var(--soft);max-width:72em}
.resp-strip b{color:var(--ink)}

/* ---------- qualify / calculator ---------- */
.qualify{position:relative;background:var(--ink);color:#fff;overflow:hidden;padding:0}
.qualify-wave-top,.qualify-wave-bottom{position:absolute;left:0;right:0;line-height:0;z-index:1}
.qualify-wave-top{top:-1px}
.qualify-wave-bottom{bottom:-1px}
.qualify-wave-top svg,.qualify-wave-bottom svg{width:100%;height:clamp(60px,7vw,100px);display:block}
.qualify-inner{position:relative;z-index:2;padding:150px 0 160px}
.qualify-head{text-align:center;max-width:640px;margin:0 auto 44px}
.qualify-head .eyebrow{color:var(--amber)}
.qualify-head h2{color:#fff}
.qualify-head p{color:#B9C4D8}
.qualify-card{background:var(--card);color:var(--text);border-radius:var(--radius-lg);box-shadow:0 30px 70px rgba(0,0,0,.35);overflow:hidden;display:grid;grid-template-columns:1.05fr .95fr;max-width:960px;margin:0 auto}
.qualify-controls{padding:40px 40px 36px}
.qualify-controls .quote-label{font-family:var(--font-d);font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--soft)}
.amt-row{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin:6px 0 14px}
.quote-amount{font-family:var(--font-d);font-weight:800;font-size:clamp(2.6rem,5vw,3.4rem);color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.amt-pill{font-family:var(--font-d);font-weight:700;font-size:.74rem;color:var(--blue);background:var(--blue-soft);border-radius:99px;padding:.4em 1em;white-space:nowrap}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--amber) var(--fill,25%),#EAEFF5 var(--fill,25%));outline-offset:6px;cursor:pointer;margin:6px 0 4px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:var(--ink);border:4px solid #fff;box-shadow:0 3px 14px rgba(24,38,62,.4);cursor:grab}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--ink);border:4px solid #fff;cursor:grab}
.range-ticks{display:flex;justify-content:space-between;font-size:.75rem;font-weight:600;color:var(--soft);margin-bottom:26px;font-variant-numeric:tabular-nums}
.field-label{font-family:var(--font-d);font-size:.8rem;font-weight:700;color:var(--ink);margin:0 0 10px}
.term-chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.chip{font-family:var(--font-d);font-size:.78rem;font-weight:700;padding:.6em 1.1em;border-radius:99px;border:1.5px solid var(--line-2);background:#fff;color:var(--soft);cursor:pointer;transition:all .12s}
.chip:hover{border-color:var(--blue);color:var(--blue)}
.chip[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.product-toggle{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px}
.ptoggle{font-family:var(--font-d);font-size:.74rem;font-weight:700;padding:.85em .4em;border-radius:12px;border:1.5px solid var(--line-2);background:#fff;color:var(--soft);cursor:pointer;transition:all .12s;text-align:center;line-height:1.25}
.ptoggle small{display:block;font-family:var(--font-b);font-weight:600;font-size:.66rem;color:var(--soft);margin-top:2px}
.ptoggle:hover{border-color:var(--blue)}
.ptoggle[aria-pressed="true"]{background:var(--blue-soft);border-color:var(--blue);color:var(--blue)}
.ptoggle[aria-pressed="true"] small{color:var(--blue)}

.qualify-result{background:linear-gradient(165deg,#1B3050,#132743);color:#fff;padding:40px 38px;display:flex;flex-direction:column}
.qualify-result .res-label{font-family:var(--font-d);font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--amber)}
.res-payment{display:flex;align-items:baseline;gap:8px;margin:8px 0 4px}
.res-payment b{font-family:var(--font-d);font-weight:800;font-size:clamp(2.4rem,4.6vw,3rem);color:#fff;line-height:1;font-variant-numeric:tabular-nums}
.res-payment span{font-size:.9rem;color:#B9C4D8;font-weight:600}
.res-freq{font-size:.82rem;color:#B9C4D8;margin-bottom:24px}
.res-lines{list-style:none;margin-bottom:8px}
.res-lines li{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-top:1px solid rgba(255,255,255,.12);font-size:.9rem;color:#C6D2E4}
.res-lines li b{color:#fff;font-weight:700;font-variant-numeric:tabular-nums}
.res-lines li.total{border-top:1.5px solid rgba(255,255,255,.28);margin-top:2px}
.res-lines li.total span,.res-lines li.total b{font-family:var(--font-d);font-size:1.02rem}
.res-cta{margin-top:auto;padding-top:22px}
.res-cta .btn{width:100%}
.res-fine{font-size:.72rem;color:#8FA0BA;margin-top:14px;line-height:1.5}
@media (max-width:820px){
  .qualify-card{grid-template-columns:1fr}
  .qualify-inner{padding:100px 0 110px}
}

/* ---------- faq ---------- */
.faq-list{max-width:820px;margin:0 auto}
.faq-list details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px}
.faq-list details[open]{box-shadow:var(--shadow-sm)}
.faq-list summary{cursor:pointer;list-style:none;padding:19px 23px;font-family:var(--font-d);font-weight:700;color:var(--ink);font-size:.96rem;display:flex;justify-content:space-between;gap:16px}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";font-size:1.3rem;color:var(--amber-deep);transition:transform .15s}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list details p{padding:0 23px 21px;font-size:.9rem;color:var(--soft)}

/* ---------- final cta ---------- */
.final-cta{text-align:center}
.final-cta .inner{background:var(--ink);border-radius:var(--radius-lg);padding:68px 30px;color:#fff}
.final-cta h2{color:#fff;max-width:16em;margin-left:auto;margin-right:auto}
.final-cta .eyebrow{color:var(--amber)}
.final-cta p{color:#B9C4D8;max-width:36em;margin:0 auto 30px}

/* ---------- footer ---------- */
.footer{background:#14203A;color:#A9B6CE;font-size:.85rem;margin-top:40px}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding:58px 0 42px;border-bottom:1px solid #263557}
.footer h4{font-family:var(--font-d);font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--amber);margin-bottom:16px}
.footer ul{list-style:none}
.footer li{margin-bottom:10px}
.footer a{color:#A9B6CE;text-decoration:none}
.footer a:hover{color:#fff}
.footer .logo{margin-bottom:16px}
.footer .logo-name{text-shadow:none}
.footer-about p{max-width:30em;line-height:1.6}
.footer-legal{padding:32px 0 42px;font-size:.76rem;line-height:1.7;color:#7B8AA8}
.footer-legal p{margin-bottom:12px}
.footer-legal strong{color:#A9B6CE}
@media (max-width:900px){.footer-top{grid-template-columns:repeat(3,1fr);row-gap:44px}.footer-about{grid-column:1/-1;max-width:34em}}
@media (max-width:560px){.footer-top{gap:18px;row-gap:38px}.footer h4{font-size:.64rem}.footer-top a{font-size:.82rem}}

/* ---------- back to top (desktop & tablet) ---------- */
.to-top{position:fixed;right:26px;bottom:26px;z-index:80;width:48px;height:48px;border-radius:50%;background:var(--ink);border:0;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 12px 30px rgba(24,38,62,.35);opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .2s,transform .2s,visibility .2s}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:#22345A;transform:translateY(-3px)}
.to-top svg{width:20px;height:20px;stroke:var(--amber)}
@media (max-width:560px){.to-top{display:none}}

/* ---------- mobile sticky action bar ---------- */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;gap:10px;align-items:center;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(24,38,62,.12);visibility:hidden;transform:translateY(110%);transition:transform .28s ease,visibility .28s}
.mobile-bar.show{visibility:visible;transform:none}
.mb-copy{flex:1;min-width:0;line-height:1.35}
.mb-copy b{display:block;font-family:var(--font-d);font-weight:800;font-size:.9rem;color:var(--ink);font-variant-numeric:tabular-nums;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mb-copy span{display:block;font-size:.7rem;color:var(--soft);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mb-apply{flex:none;justify-content:center;padding:.85em 1.4em;font-size:.88rem}
@media (max-width:560px){
  .mobile-bar{display:flex}
  body{padding-bottom:70px}
}