:root {
  --navy:#1B3A6B; --navy-deep:#0F2548; --navy-mid:#234880; --navy-light:#2D5FA3;
  --navy-pale:#EBF0FA; --navy-mist:#F3F6FC;
  --orange:#F07C20; --orange-deep:#D46818;
  --white:#FFFFFF; --off-white:#F8FAFD;
  --gray-100:#EEF2F8; --gray-200:#DDE5F0; --gray-400:#8FA4C0; --gray-600:#4A6080;
  --text:#0F1E30; --text-mid:#2E4057; --text-soft:#637080;
  --font-serif:'Instrument Serif',Georgia,serif;
  --font-sans:'Outfit',system-ui,sans-serif;
  --r-sm:8px; --r:14px; --r-lg:22px; --r-xl:32px;
  --sh-xs:0 1px 4px rgba(27,58,107,.07);
  --sh-sm:0 2px 10px rgba(27,58,107,.10),0 1px 3px rgba(27,58,107,.07);
  --sh-md:0 8px 32px rgba(27,58,107,.13),0 2px 8px rgba(27,58,107,.09);
  --sh-lg:0 20px 64px rgba(27,58,107,.18),0 6px 20px rgba(27,58,107,.11);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font-sans);color:var(--text);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.container{max-width:1140px;margin:0 auto;padding:0 24px;}

/* COMPLIANCE TOP BAR */
.compliance-top{
  background:var(--navy-deep); padding:9px 24px; text-align:center;
  font-size:11.5px; color:rgba(255,255,255,.65); letter-spacing:.3px;
  position:relative; z-index:201;
}
.compliance-top strong{color:rgba(255,255,255,.9);}
.compliance-top a{color:rgba(255,255,255,.7);text-decoration:underline;}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-sans);font-weight:600;font-size:15px;border-radius:var(--r);padding:14px 28px;cursor:pointer;border:none;transition:all .22s cubic-bezier(.4,0,.2,1);white-space:nowrap;text-decoration:none;}
.btn-primary{background:var(--orange);color:white;box-shadow:0 4px 16px rgba(240,124,32,.38);}
.btn-primary:hover{background:var(--orange-deep);transform:translateY(-2px);box-shadow:0 8px 26px rgba(240,124,32,.45);}
.btn-ghost{background:rgba(255,255,255,.1);color:white;border:1.5px solid rgba(255,255,255,.28);backdrop-filter:blur(8px);}
.btn-ghost:hover{background:rgba(255,255,255,.2);border-color:rgba(255,255,255,.5);transform:translateY(-2px);}
.btn-outline{background:white;color:var(--navy);border:2px solid var(--navy);}
.btn-outline:hover{background:var(--navy-pale);transform:translateY(-2px);}
.btn-lg{padding:18px 36px;font-size:16px;border-radius:var(--r-lg);}
.btn-sm{padding:10px 20px;font-size:13px;}

/* NAVBAR */
.nav{position:fixed;top:40px;left:0;right:0;z-index:200;transition:all .3s ease;padding:0 24px;}
.nav.scrolled{background:rgba(255,255,255,.97);backdrop-filter:blur(16px);box-shadow:0 1px 0 var(--gray-200),var(--sh-xs);top:0;}
.nav-inner{max-width:1140px;margin:0 auto;height:70px;display:flex;align-items:center;justify-content:space-between;}
.nav-logo img{height:14px;width:auto;}.nav-logo svg{height:auto;width:120px;display:block;}
@media(min-width:768px){.nav-logo img{height:22px;}.nav-logo svg{height:auto;width:180px;}}
.nav-links{display:none;align-items:center;gap:2px;list-style:none;}
@media(min-width:768px){.nav-links{display:flex;}}
.nav-links a{padding:8px 14px;border-radius:var(--r-sm);font-size:14px;font-weight:500;transition:all .18s;}
.nav:not(.scrolled) .nav-links a{color:rgba(255,255,255,.85);}
.nav:not(.scrolled) .nav-links a:hover{color:white;background:rgba(255,255,255,.12);}
.nav.scrolled .nav-links a{color:var(--text-mid);}
.nav.scrolled .nav-links a:hover{color:var(--navy);background:var(--navy-pale);}
.nav-cta{display:none;}
@media(min-width:900px){.nav-cta{display:flex;}}
.hamburger{display:flex;flex-direction:column;gap:5px;width:40px;height:40px;align-items:center;justify-content:center;border-radius:var(--r-sm);cursor:pointer;background:rgba(255,255,255,.12);border:1.5px solid rgba(255,255,255,.2);transition:all .2s;}
.nav.scrolled .hamburger{background:var(--gray-100);border-color:var(--gray-200);}
.hamburger span{display:block;width:18px;height:1.5px;border-radius:2px;transition:all .2s;}
.nav:not(.scrolled) .hamburger span{background:white;}
.nav.scrolled .hamburger span{background:var(--navy);}
@media(min-width:768px){.hamburger{display:none;}}

/* MOBILE MENU */
.mobile-menu{display:none;position:fixed;inset:0;z-index:300;background:rgba(15,37,72,.97);backdrop-filter:blur(20px);padding:24px;flex-direction:column;gap:6px;}
.mobile-menu.open{display:flex;}
.mob-close{align-self:flex-end;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.1);border:none;cursor:pointer;color:white;font-size:20px;display:flex;align-items:center;justify-content:center;margin-bottom:12px;}
.mobile-menu a{color:white;font-size:20px;font-weight:600;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.1);font-family:var(--font-serif);}
.mobile-menu a:last-of-type{border-bottom:none;}

/* HERO */
.hero{min-height:100svh;position:relative;display:flex;align-items:center;overflow:hidden;background:var(--navy-deep);padding-top:110px;}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 70% 55% at 65% 0%,rgba(45,95,163,.55) 0%,transparent 65%),radial-gradient(ellipse 45% 70% at 100% 60%,rgba(240,124,32,.12) 0%,transparent 60%),linear-gradient(155deg,#0A1E3D 0%,#1B3A6B 50%,#0F2548 100%);}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 85% 85% at 50% 50%,black 20%,transparent 100%);}
.hero-glow{position:absolute;bottom:-100px;right:-100px;width:500px;height:500px;background:radial-gradient(circle,rgba(240,124,32,.12),transparent 70%);border-radius:50%;}
.hero-float-1{position:absolute;top:22%;right:7%;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);backdrop-filter:blur(14px);border-radius:var(--r-lg);padding:18px 22px;color:white;animation:float1 7s ease-in-out infinite;display:none;}
@media(min-width:960px){.hero-float-1{display:block;}}
.hero-float-2{position:absolute;bottom:28%;right:5%;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(14px);border-radius:var(--r);padding:14px 18px;animation:float1 9s ease-in-out infinite reverse;display:none;}
@media(min-width:1100px){.hero-float-2{display:block;}}
.float-label{font-size:10px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:5px;}
.float-val{font-family:var(--font-serif);font-size:28px;font-style:italic;color:white;line-height:1.1;}
.float-val-sm{font-size:20px;font-weight:800;color:white;}
.float-sub{font-size:11px;color:rgba(255,255,255,.5);margin-top:3px;}
@keyframes float1{0%,100%{transform:translateY(0);}50%{transform:translateY(-14px);}}
.hero-content{position:relative;z-index:10;padding:40px 0 80px;}
.eyebrow{display:inline-flex;align-items:center;gap:9px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.88);font-size:12px;font-weight:600;letter-spacing:1.2px;text-transform:uppercase;padding:7px 16px;border-radius:30px;margin-bottom:28px;animation:fadeUp .8s ease both;}
.eyebrow-dot{width:7px;height:7px;background:var(--orange);border-radius:50%;animation:pulse 2s ease infinite;}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1);}50%{opacity:.55;transform:scale(.75);}}
h1.hero-h1{font-family:var(--font-serif);font-size:clamp(44px,6.5vw,82px);line-height:1.03;color:white;letter-spacing:-1.5px;margin-bottom:16px;animation:fadeUp .8s .1s ease both;max-width:780px;}
h1.hero-h1 em{font-style:italic;color:rgba(255,255,255,.65);}
h1.hero-h1 .ora{color:var(--orange);}
.hero-tagline{font-size:28px;font-style:italic;color:rgba(255,255,255,.52);margin-bottom:20px;animation:fadeUp .8s .15s ease both;font-family:var(--font-serif);letter-spacing:.3px;}
.hero-sub{font-size:17px;font-weight:400;color:rgba(255,255,255,.68);line-height:1.68;max-width:540px;margin-bottom:38px;animation:fadeUp .8s .2s ease both;}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:48px;animation:fadeUp .8s .3s ease both;}
.hero-trust{display:flex;align-items:center;gap:18px;flex-wrap:wrap;animation:fadeUp .8s .4s ease both;}
.trust-item{display:flex;align-items:center;gap:7px;color:rgba(255,255,255,.6);font-size:13px;font-weight:500;}
.trust-div{width:1px;height:16px;background:rgba(255,255,255,.2);}
@keyframes fadeUp{from{opacity:0;transform:translateY(26px);}to{opacity:1;transform:translateY(0);}}
.scroll-hint{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:7px;color:rgba(255,255,255,.35);font-size:10px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;animation:fadeUp 1s .9s ease both;}
/* LOAN SUBPAGE HERO */
.loan-hero{position:relative;display:flex;align-items:center;overflow:hidden;background:var(--navy-deep);padding-top:150px;padding-bottom:80px;}
.loan-hero .hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 70% 55% at 65% 0%,rgba(45,95,163,.55) 0%,transparent 65%),radial-gradient(ellipse 45% 70% at 100% 60%,rgba(240,124,32,.12) 0%,transparent 60%),linear-gradient(155deg,#0A1E3D 0%,#1B3A6B 50%,#0F2548 100%);}
.loan-hero .hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 85% 85% at 50% 50%,black 20%,transparent 100%);}
.loan-hero .hero-glow{position:absolute;bottom:-100px;right:-100px;width:500px;height:500px;background:radial-gradient(circle,rgba(240,124,32,.12),transparent 70%);border-radius:50%;}
.loan-hero .hero-content{position:relative;z-index:10;}
.loan-hero .hero-h1{font-family:var(--font-serif);font-size:clamp(36px,5vw,68px);line-height:1.05;color:white;letter-spacing:-1px;margin-bottom:20px;}
.loan-hero .hero-h1 em{font-style:italic;color:rgba(255,255,255,.65);}
.loan-hero .hero-h1 .ora{color:var(--orange);}
.loan-hero .hero-sub{font-size:17px;font-weight:400;color:rgba(255,255,255,.68);line-height:1.68;max-width:620px;margin-bottom:38px;}

.scroll-line{width:1px;height:38px;background:linear-gradient(to bottom,rgba(255,255,255,.3),transparent);animation:scrollAnim 2.2s ease infinite;}
@keyframes scrollAnim{0%{transform:scaleY(0);transform-origin:top;}50%{transform:scaleY(1);transform-origin:top;}51%{transform:scaleY(1);transform-origin:bottom;}100%{transform:scaleY(0);transform-origin:bottom;}}

/* STATS BAR */
.stats-bar{background:white;border-bottom:1px solid var(--gray-200);box-shadow:var(--sh-sm);}
.stats-grid{display:grid;grid-template-columns:repeat(2,1fr);}
@media(min-width:640px){.stats-grid{grid-template-columns:repeat(4,1fr);}}
.stat{padding:26px 16px;text-align:center;border-right:1px solid var(--gray-200);position:relative;overflow:hidden;transition:background .2s;cursor:default;}
.stat:nth-child(2n){border-right:none;}
@media(min-width:640px){.stat:nth-child(2n){border-right:1px solid var(--gray-200);}.stat:last-child{border-right:none;}}
.stat::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%) scaleX(0);width:36px;height:3px;background:var(--orange);border-radius:3px 3px 0 0;transition:transform .3s;}
.stat:hover::after{transform:translateX(-50%) scaleX(1);}
.stat:hover{background:var(--navy-mist);}
.stat-num{font-family:var(--font-serif);font-size:38px;font-style:italic;color:var(--navy);line-height:1;margin-bottom:5px;letter-spacing:-1px;}
.stat-num.orange{color:var(--orange);}
.stat-lbl{font-size:11.5px;font-weight:600;color:var(--gray-600);text-transform:uppercase;letter-spacing:.8px;}

/* SECTIONS */
.section{padding:96px 0;}
.section-sm{padding:60px 0;}
.sec-tag{display:inline-flex;align-items:center;gap:9px;font-size:11px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--orange);margin-bottom:14px;}
.sec-tag::before{content:'';display:block;width:18px;height:2.5px;background:var(--orange);border-radius:2px;}
.sec-title{font-family:var(--font-serif);font-size:clamp(28px,4vw,46px);line-height:1.08;color:var(--navy);letter-spacing:-.6px;margin-bottom:16px;}
.sec-title em{font-style:italic;color:var(--orange);}
.sec-lead{font-size:17px;color:var(--text-soft);line-height:1.72;max-width:560px;}

/* ABOUT */
.about-section{background:var(--off-white);overflow:hidden;}
.about-grid{display:grid;grid-template-columns:1fr;gap:60px;align-items:start;}
@media(min-width:860px){.about-grid{grid-template-columns:1fr 1fr;gap:80px;}}
.photo-wrap{position:relative;}
.photo-img{width:100%;border-radius:var(--r-xl);box-shadow:var(--sh-lg);object-fit:cover;aspect-ratio:4/5;display:block;}
.photo-badge{position:absolute;top:-18px;right:-18px;background:var(--orange);color:white;border-radius:var(--r-lg);padding:16px 18px;text-align:center;box-shadow:var(--sh-md);min-width:100px;}
@media(max-width:860px){.photo-badge{display:none;}}
.badge-num{font-family:var(--font-serif);font-size:30px;font-style:italic;line-height:1;}
.badge-lbl{font-size:10px;font-weight:600;opacity:.85;margin-top:2px;letter-spacing:.4px;}
.devotion-pull{
  background:linear-gradient(135deg,var(--navy-deep),var(--navy));
  border-radius:var(--r-lg); padding:22px 24px; margin-bottom:22px;
  border-left:4px solid var(--orange);
}
.devotion-pull p{font-family:var(--font-serif);font-size:17px;font-style:italic;color:rgba(255,255,255,.88);line-height:1.65;}
.qualities{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:32px;}
.quality{background:white;border-radius:var(--r);padding:18px;border:1.5px solid var(--gray-200);transition:all .22s;}
.quality:hover{border-color:var(--orange);box-shadow:var(--sh-sm);transform:translateY(-3px);}
.q-icon{font-size:24px;margin-bottom:9px;}
.q-name{font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:4px;}
.q-desc{font-size:12.5px;color:var(--text-soft);line-height:1.5;}
.nmls-inline{display:inline-flex;align-items:center;gap:6px;background:var(--navy-pale);border:1px solid var(--gray-200);border-radius:6px;padding:5px 12px;font-size:12px;font-weight:600;color:var(--navy);margin-top:20px;flex-wrap:wrap;}

/* LICENSES */
.licenses-section{background:white;}
.lic-grid{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px;justify-content:center;}
.lic-badge{display:flex;align-items:center;gap:11px;background:var(--navy-mist);border:1.5px solid var(--gray-200);border-radius:var(--r);padding:10px 16px;transition:all .18s;min-width:170px;}
.lic-badge:hover{border-color:var(--navy);background:var(--navy-pale);transform:translateY(-2px);box-shadow:var(--sh-xs);}
.lic-flag-emoji{font-size:26px;flex-shrink:0;width:36px;height:36px;display:flex;align-items:center;justify-content:center;line-height:1;}
.lic-info .lic-state{font-size:13px;font-weight:700;color:var(--navy);line-height:1.3;}
.lic-info .lic-num{font-size:10.5px;font-weight:500;color:var(--text-soft);}

/* LOANS */
.loans-section{background:var(--off-white);}
.loans-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:44px;}
@media(min-width:640px){.loans-grid{grid-template-columns:repeat(3,1fr);}}
@media(min-width:1024px){.loans-grid{grid-template-columns:repeat(3,1fr);}}
.loan-card{background:white;border:1.5px solid var(--gray-200);border-radius:var(--r-lg);padding:24px 20px;cursor:pointer;transition:all .25s cubic-bezier(.4,0,.2,1);position:relative;overflow:hidden;display:block;}
.loan-card::before{content:'';position:absolute;inset:0;background:linear-gradient(140deg,var(--navy) 0%,var(--navy-mid) 100%);opacity:0;transition:opacity .25s;}
.loan-card:hover{transform:translateY(-6px);border-color:var(--navy);box-shadow:var(--sh-md);}
.loan-card:hover::before{opacity:1;}
.loan-card:hover .lc-icon{background:rgba(255,255,255,.18);}
.loan-card:hover .lc-name,.loan-card:hover .lc-badge-tag{color:white;}
.loan-card:hover .lc-desc{color:rgba(255,255,255,.75);}
.loan-card:hover .lc-arrow{opacity:1;color:var(--orange);}
.lc-icon{width:46px;height:46px;background:var(--navy-pale);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:21px;margin-bottom:15px;position:relative;z-index:1;transition:background .25s;}
.lc-name{font-size:14.5px;font-weight:700;color:var(--navy);margin-bottom:6px;position:relative;z-index:1;transition:color .25s;}
.lc-desc{font-size:12px;color:var(--text-soft);line-height:1.5;position:relative;z-index:1;transition:color .25s;}
.lc-arrow{position:absolute;bottom:16px;right:16px;font-size:17px;opacity:0;transition:all .25s;z-index:1;}
.lc-badge-tag{position:absolute;top:14px;right:14px;background:var(--orange);color:white;font-size:9px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:3px 8px;border-radius:20px;z-index:2;transition:color .25s;}

/* HOW IT WORKS */
.how-section{background:var(--navy-deep);position:relative;overflow:hidden;}
.how-section::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 55% 80% at 0% 50%,rgba(45,95,163,.3),transparent),radial-gradient(ellipse 45% 55% at 100% 50%,rgba(240,124,32,.08),transparent);}
.how-section .sec-title{color:white;}
.how-section .sec-tag{color:rgba(255,255,255,.55);}
.how-section .sec-tag::before{background:rgba(255,255,255,.25);}
.how-section .sec-lead{color:rgba(255,255,255,.6);max-width:100%;}
.steps{display:grid;grid-template-columns:1fr;gap:18px;margin-top:48px;position:relative;z-index:1;}
@media(min-width:640px){.steps{grid-template-columns:repeat(3,1fr);}}
.step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:32px 26px;transition:all .3s;backdrop-filter:blur(10px);position:relative;}
.step:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);transform:translateY(-6px);box-shadow:var(--sh-md);}
.step-no{font-family:var(--font-serif);font-size:48px;font-style:italic;color:rgba(255,255,255,.18);line-height:1;margin-bottom:12px;position:absolute;top:20px;right:20px;}
.step-icon{font-size:32px;margin-bottom:15px;}
.step-h{font-size:17px;font-weight:700;color:white;margin-bottom:9px;}
.step-desc{font-size:13.5px;color:rgba(255,255,255,.6);line-height:1.6;}

/* TESTIMONIALS */
.testi-section{background:white;}
.testi-grid{display:grid;grid-template-columns:1fr;gap:18px;margin-top:48px;}
@media(min-width:640px){.testi-grid{grid-template-columns:1fr 1fr;}}
@media(min-width:1024px){.testi-grid{grid-template-columns:1fr 1fr 1fr;}}
.testi-card{background:var(--off-white);border-radius:var(--r-lg);padding:26px;border:1px solid var(--gray-200);transition:all .25s;display:flex;flex-direction:column;gap:14px;}
.testi-card:hover{transform:translateY(-4px);box-shadow:var(--sh-md);border-color:var(--navy);}
.testi-card.feat{background:linear-gradient(145deg,var(--navy-deep),var(--navy));border-color:transparent;}
.stars{color:var(--orange);font-size:15px;letter-spacing:2px;}
.testi-q{font-size:14.5px;line-height:1.72;color:var(--text-mid);flex:1;font-style:italic;}
.testi-card.feat .testi-q{color:rgba(255,255,255,.82);}
.testi-author{display:flex;align-items:center;gap:11px;}
.testi-av{width:42px;height:42px;border-radius:50%;background:var(--navy-pale);display:flex;align-items:center;justify-content:center;font-size:17px;font-weight:700;color:var(--navy);flex-shrink:0;font-family:var(--font-serif);}
.testi-card.feat .testi-av{background:rgba(255,255,255,.18);color:white;}
.testi-name{font-size:13.5px;font-weight:700;color:var(--navy);}
.testi-card.feat .testi-name{color:white;}
.testi-loc{font-size:11.5px;color:var(--text-soft);}
.testi-card.feat .testi-loc{color:rgba(255,255,255,.55);}
.google-row{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:36px;background:var(--off-white);border:1px solid var(--gray-200);border-radius:var(--r-lg);padding:16px 24px;width:fit-content;margin-left:auto;margin-right:auto;box-shadow:var(--sh-xs);transition:all .2s;text-decoration:none;}
.google-row:hover{box-shadow:var(--sh-sm);transform:translateY(-2px);}
.g-letter{font-size:22px;font-weight:800;background:linear-gradient(135deg,#4285F4,#34A853,#FBBC05,#EA4335);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;}
.g-text{font-size:13.5px;font-weight:600;color:var(--navy);}
.g-stars{color:var(--orange);font-size:13px;}

/* LENDERS */
.lenders-section{background:var(--off-white);}
.lenders-box{margin-top:44px;background:white;border-radius:var(--r-xl);border:1px solid var(--gray-200);padding:48px 40px;display:flex;flex-direction:column;align-items:center;gap:28px;text-align:center;box-shadow:var(--sh-sm);}
.lenders-big{font-family:var(--font-serif);font-size:clamp(80px,12vw,120px);font-style:italic;color:var(--orange);line-height:1;letter-spacing:-4px;}
.lenders-caption{font-size:20px;font-weight:600;color:var(--navy);max-width:460px;line-height:1.5;}
.lenders-sub{font-size:14px;color:var(--text-soft);max-width:420px;}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;}
.chip{background:var(--navy-mist);border:1px solid var(--gray-200);border-radius:30px;padding:7px 16px;font-size:13px;font-weight:600;color:var(--text-mid);transition:all .18s;}
.chip:hover{border-color:var(--orange);color:var(--orange);transform:translateY(-2px);}

/* CTA */
.cta-section{background:linear-gradient(140deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-mid) 100%);position:relative;overflow:hidden;text-align:center;padding:96px 0;}
.cta-section::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:52px 52px;}
.cta-section::after{content:'';position:absolute;bottom:-80px;right:-80px;width:400px;height:400px;background:radial-gradient(circle,rgba(240,124,32,.18),transparent 70%);border-radius:50%;}
.cta-inner{position:relative;z-index:1;}
.cta-title{font-family:var(--font-serif);font-size:clamp(30px,5vw,56px);color:white;line-height:1.1;letter-spacing:-1px;margin-bottom:18px;}
.cta-title em{font-style:italic;color:rgba(255,255,255,.65);}
.cta-sub{font-size:17px;color:rgba(255,255,255,.65);margin-bottom:36px;max-width:480px;margin-left:auto;margin-right:auto;line-height:1.65;font-style:italic;font-family:var(--font-serif);}
.cta-btns{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-bottom:32px;}
.cta-contact{font-size:13px;color:rgba(255,255,255,.45);}
.cta-contact a{color:rgba(255,255,255,.65);transition:color .15s;}
.cta-contact a:hover{color:white;}

/* FOOTER */
.footer{background:#0A1929;color:rgba(255,255,255,.65);padding:52px 0 28px;}
.footer-grid{display:grid;grid-template-columns:1fr;gap:36px;margin-bottom:40px;}
@media(min-width:640px){.footer-grid{grid-template-columns:2fr 1fr 1fr;}}
.footer-logo{margin-bottom:12px;}
.footer-logo img{height:auto;width:140px;display:block;}
@media(min-width:768px){.footer-logo img{height:auto;width:180px;}}
.footer-brand-block{font-size:12.5px;color:rgba(255,255,255,.55);line-height:1.8;margin-bottom:16px;}
.footer-brand-block strong{color:rgba(255,255,255,.8);}
.footer-contact{display:flex;flex-direction:column;gap:7px;}
.footer-contact a{font-size:13.5px;color:rgba(255,255,255,.7);transition:color .15s;display:flex;align-items:center;gap:8px;}
.footer-contact a:hover{color:white;}
.footer-h{font-size:11px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:14px;}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:9px;}
.footer-links a{font-size:13.5px;color:rgba(255,255,255,.6);transition:color .15s;}
.footer-links a:hover{color:white;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding-top:22px;font-size:11px;color:rgba(255,255,255,.28);line-height:1.9;display:flex;flex-direction:column;gap:6px;}
@media(min-width:640px){.footer-bottom{flex-direction:row;justify-content:space-between;align-items:flex-start;}}
.footer-bottom a{color:rgba(255,255,255,.38);text-decoration:underline;}
.footer-bottom a:hover{color:rgba(255,255,255,.65);}
.footer-eho{display:flex;align-items:center;gap:10px;margin-top:14px;}.footer-eho img{width:52px;height:52px;}
.eho-icon{width:36px;height:36px;flex-shrink:0;}

/* NMLS BAR */
.nmls-bar{background:#060F1A;padding:16px 24px;text-align:center;font-size:11px;color:rgba(255,255,255,.55);line-height:1.9;}
.nmls-bar a{color:rgba(255,255,255,.72);text-decoration:underline;}
.nmls-bar a:hover{color:rgba(255,255,255,.6);}

/* MOBILE STICKY */
.mob-bar{position:fixed;bottom:0;left:0;right:0;background:white;border-top:1px solid var(--gray-200);padding:11px 16px;display:flex;gap:10px;z-index:100;box-shadow:0 -4px 20px rgba(27,58,107,.12);}
@media(min-width:768px){.mob-bar{display:none;}}
.mob-bar .btn{flex:1;justify-content:center;padding:13px 12px;font-size:14px;}

/* REVEAL */
.reveal{opacity:0;transform:translateY(30px);transition:opacity .7s ease,transform .7s ease;}
.reveal.visible{opacity:1;transform:translateY(0);}
.d1{transition-delay:.1s;}.d2{transition-delay:.2s;}.d3{transition-delay:.3s;}.d4{transition-delay:.4s;}

/* ── LOAN SUBPAGE COMPONENTS ─────────────────────────── */

/* Breadcrumb */
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(255,255,255,.5);margin-bottom:24px;flex-wrap:wrap;}
.breadcrumb a{color:rgba(255,255,255,.6);transition:color .15s;}
.breadcrumb a:hover{color:white;}
.breadcrumb span{color:rgba(255,255,255,.4);}

/* Benefit list */
.benefit-list{list-style:none;display:flex;flex-direction:column;gap:14px;padding:0;margin:20px 0;}
.benefit-list li{font-size:15px;color:var(--text-mid);line-height:1.65;padding-left:22px;position:relative;}
.benefit-list li::before{content:'→';position:absolute;left:0;color:var(--orange);font-weight:700;}

/* Insider edge (broker advantage dark card) */
.insider-edge{background:linear-gradient(135deg,var(--navy-deep),var(--navy));border-radius:var(--r-xl);padding:48px;display:grid;grid-template-columns:1fr;gap:40px;color:white;}
@media(min-width:768px){.insider-edge{grid-template-columns:1.5fr 1fr;align-items:center;}}
.insider-edge .sec-tag{color:rgba(255,255,255,.55);}
.insider-edge .sec-tag::before{background:rgba(255,255,255,.25);}
.insider-edge .sec-title{color:white;}
.insider-edge .sec-lead{color:rgba(255,255,255,.7);}
.insider-stats{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.insider-stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:22px;text-align:center;}
.insider-stat-num{font-family:var(--font-serif);font-size:36px;font-style:italic;color:var(--orange);line-height:1;margin-bottom:6px;}
.insider-stat-lbl{font-size:11px;font-weight:600;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.8px;}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:2px;margin-top:32px;}
.faq-item{border-radius:var(--r);overflow:hidden;border:1.5px solid var(--gray-200);margin-bottom:8px;}
.faq-item summary{font-size:15px;font-weight:600;color:var(--navy);padding:18px 22px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;transition:background .18s;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'＋';font-size:18px;color:var(--orange);flex-shrink:0;margin-left:12px;transition:transform .2s;}
.faq-item[open] summary::after{content:'－';}
.faq-item summary:hover{background:var(--navy-mist);}
.faq-item[open] summary{background:var(--navy-pale);color:var(--navy);}
.faq-answer{font-size:14.5px;color:var(--text-mid);line-height:1.75;padding:0 22px 20px;}
.pilot-testi-grid{grid-template-columns:1fr!important;}@media(min-width:640px){.pilot-testi-grid{grid-template-columns:repeat(3,1fr)!important;}}