:root {
  --ink: #161b1e;
  --muted: #596775;
  --subtle: #8694a0;
  --paper: #f1f4f4;
  --white: #fff;
  --line: #dce2e3;
  --blue: #81c1e8;
  --blue-strong: #62b0df;
  --navy: #10394f;
  --navy-deep: #0b3043;
  --sky-pale: #e1f2fb;
  --font-body: "DM Sans", Arial, sans-serif;
  --font-heading: "Manrope", "DM Sans", sans-serif;
  --container: 1160px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--font-body); -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
button { cursor: pointer; }
img, svg { display: block; max-width: 100%; }
.container { width: min(var(--container), calc(100% - 48px)); margin-inline: auto; }

.site-header { height: 74px; position: sticky; top: 0; z-index: 50; background: rgba(241, 244, 244, .95); backdrop-filter: blur(14px); border-bottom: 1px solid rgba(16, 57, 79, .06); }
.site-header-inner { width: min(var(--container), calc(100% - 48px)); height: 100%; margin: auto; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand { display: inline-flex; align-items: center; gap: 8px; min-width: 154px; }
.brand { flex-shrink: 0; }
.brand-logo { width: 190px; height: auto; }
.brand-mark { width: 31px; height: 31px; color: var(--navy); }
.brand-mark svg { width: 100%; height: 100%; fill: currentColor; }
.brand-mark circle { fill: var(--paper); }
.brand-name { display: flex; flex-direction: column; font-family: var(--font-heading); font-weight: 800; font-size: 17px; line-height: 1.03; letter-spacing: -.7px; }
.brand-name span { font-family: var(--font-body); font-size: 9px; text-transform: uppercase; letter-spacing: 1.4px; margin-top: 4px; font-weight: 700; }
.main-nav { display: flex; align-items: center; gap: clamp(14px, 2vw, 29px); }
.main-nav a, .header-phone { color: #27323a; font-size: 13px; font-weight: 600; white-space: nowrap; transition: color .2s; }
.main-nav a:hover, .header-phone:hover { color: #277eae; }
.nav-mobile-link { display: none; }
.header-actions { display: flex; align-items: center; gap: 15px; }
.mobile-menu-toggle { display: none; }
.button { display: inline-flex; min-height: 54px; align-items: center; justify-content: center; gap: 13px; padding: 0 30px; border: 0; border-radius: 999px; color: #0b2736; background: var(--blue); font-size: 15px; font-weight: 700; box-shadow: 0 10px 22px rgba(37, 101, 140, .14); transition: transform .2s, background .2s, box-shadow .2s; }
.button:hover { transform: translateY(-2px); background: var(--blue-strong); box-shadow: 0 13px 26px rgba(37, 101, 140, .19); }
.button span { font-size: 21px; line-height: 0; }
.button-small { min-height: 42px; padding: 0 21px; font-size: 13px; }
.button-outline { background: transparent; border: 1px solid #c8d0d2; box-shadow: none; color: var(--ink); }
.button-outline:hover { background: #e7eff2; }
.button-dark { color: white; background: var(--navy); box-shadow: 0 10px 22px rgba(8, 42, 60, .14); }
.button-dark:hover { background: #174f6e; }
.text-link { display: inline-flex; align-items: center; gap: 9px; color: #246e98; font-weight: 700; font-size: 14px; }
.text-link span, .light-link span { font-size: 18px; transition: transform .2s; }
.text-link:hover span, .light-link:hover span { transform: translateX(4px); }

.hero-wrap { overflow: hidden; background: var(--paper); }
.hero { min-height: 626px; display: grid; grid-template-columns: 1.04fr .96fr; align-items: center; gap: 58px; padding-top: 62px; padding-bottom: 54px; }
.eyebrow, .section-index { margin: 0 0 19px; color: #75909f; font-size: 10px; letter-spacing: 1.7px; font-weight: 700; text-transform: uppercase; }
.hero h1, .inner-hero h1, .not-found h1 { max-width: 625px; margin: 0; font-family: var(--font-heading); font-size: clamp(44px, 5vw, 68px); line-height: 1.05; letter-spacing: -3.6px; font-weight: 800; }
.hero-subtitle { max-width: 535px; margin: 21px 0 27px; color: var(--muted); font-size: 20px; line-height: 1.58; }
.hero-buttons { display: flex; align-items: center; flex-wrap: wrap; gap: 13px; }
.hero-buttons .button { min-height: 60px; padding-inline: 30px; }
.hero-assurances { display: flex; flex-wrap: wrap; gap: 25px; margin-top: 28px; color: #35414a; font-size: 12px; font-weight: 600; }
.hero-assurances b { color: #3486b1; font-size: 17px; margin-right: 7px; }
.offer-card { position: relative; min-height: 422px; overflow: hidden; padding: 35px 36px 31px; border-radius: 28px; background: var(--navy-deep); color: white; box-shadow: 0 28px 62px rgba(29, 66, 83, .18); }
.offer-decoration { position: absolute; width: 250px; height: 250px; right: -88px; top: -104px; opacity: .12; border: 24px solid var(--blue); border-radius: 50%; }
.offer-decoration::before, .offer-decoration::after { content: ""; position: absolute; inset: 35px -52px; background: var(--blue); transform: rotate(45deg); clip-path: polygon(0 42%, 100% 0, 62% 100%); }
.offer-decoration::after { transform: rotate(135deg); }
.offer-kicker { position: relative; margin: 0; color: #9ed6f5; font: 700 10px/1.4 var(--font-body); letter-spacing: 2px; }
.offer-amount { position: relative; margin: 20px 0 24px; font: 800 clamp(42px, 4.3vw, 61px)/1 var(--font-heading); letter-spacing: -3px; white-space: nowrap; }
.offer-amount strong { color: var(--blue); }
.offer-stats { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.offer-stats div { min-height: 90px; padding: 18px 17px; border: 1px solid rgba(210, 235, 245, .17); border-radius: 13px; background: rgba(220, 244, 255, .08); }
.offer-stats strong, .offer-stats span { display: block; }
.offer-stats strong { margin-bottom: 7px; font-family: var(--font-heading); font-size: 17px; }
.offer-stats span { color: #afc2cc; font-size: 12px; }
.rating-line { display: flex; align-items: center; justify-content: center; gap: 12px; margin: 17px 0; font-size: 11px; color: #cbd8de; }
.stars { color: #f4c66c; font-size: 17px; letter-spacing: 2px; white-space: nowrap; }
.offer-button { width: 100%; min-height: 61px; color: #0b3043; }
.trust-stats { padding: 11px 0 51px; text-align: center; }
.trust-caption { margin: 0 0 34px; color: #81919d; font-size: 9px; font-weight: 700; letter-spacing: 1.7px; }
.trust-stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-stat-grid div { display: grid; gap: 7px; }
.trust-stat-grid strong { color: var(--navy); font: 800 43px/1 var(--font-heading); letter-spacing: -2px; }
.trust-stat-grid span { color: var(--muted); font-size: 12px; font-weight: 600; }
.fine-print { color: var(--subtle); font-size: 11px; line-height: 1.6; }
.trust-stats .fine-print { margin: 22px 0 0; }

.section { padding: 106px 0; }
.section h2, .about-copy h2, .contact-layout h2, .principles-section h2, .network-content h2, .final-cta h2 { margin: 0; font: 800 clamp(34px, 4.2vw, 51px)/1.1 var(--font-heading); letter-spacing: -2.4px; }
.section-intro { max-width: 510px; margin: 16px 0 0; color: var(--muted); font-size: 16px; line-height: 1.7; }
.how-section { background: #fff; }
.section-heading-row { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 43px; }
.section-heading-row .text-link { margin-bottom: 8px; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 17px; }
.step-card { min-height: 270px; position: relative; padding: 28px 28px 30px; border: 1px solid #e5e9ea; border-radius: 18px; background: #fff; transition: transform .25s, box-shadow .25s; }
.step-card:hover { transform: translateY(-5px); box-shadow: 0 18px 42px rgba(27, 64, 81, .08); }
.step-number { position: absolute; top: 28px; right: 29px; color: #8c9ba5; font-size: 11px; letter-spacing: 1px; }
.step-icon { width: 51px; height: 51px; display: grid; place-items: center; border-radius: 15px; color: #14577a; background: var(--sky-pale); font-size: 15px; font-weight: 800; }
.step-card h3, .benefit-card h3, .principles-grid h3 { margin: 26px 0 9px; font: 700 19px/1.35 var(--font-heading); letter-spacing: -.4px; }
.step-card p, .benefit-card p, .principles-grid p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.65; }
.center-action { margin-top: 34px; text-align: center; }
.uses-section { background: var(--sky-pale); }
.uses-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: 75px; align-items: center; }
.uses-layout .section-intro { margin-bottom: 28px; }
.uses-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.use-tile { min-height: 83px; display: grid; grid-template-columns: 28px 1fr 20px; align-items: center; gap: 8px; padding: 17px 19px; border: 1px solid rgba(27, 89, 120, .11); border-radius: 12px; background: rgba(255,255,255,.66); transition: background .2s, transform .2s; }
.use-tile:hover { transform: translateY(-2px); background: white; }
.use-tile span { color: #7692a1; font-size: 10px; }
.use-tile strong { font: 700 14px var(--font-heading); }
.use-tile i { justify-self: end; color: #4685a7; font-style: normal; }
.why-section { background: var(--paper); }
.why-intro { display: flex; align-items: end; justify-content: space-between; gap: 50px; margin-bottom: 45px; }
.why-intro h2 { max-width: 575px; }
.why-intro p { max-width: 380px; margin: 0 0 5px; color: var(--muted); font-size: 15px; line-height: 1.7; }
.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px 38px; }
.benefit-card { padding: 5px 0 8px; }
.benefit-icon { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 50%; color: #246e98; background: var(--sky-pale); font-size: 18px; font-weight: 700; }
.benefit-card h3 { margin-top: 17px; font-size: 17px; }
.benefit-card p { font-size: 13px; }
.rates-section { background: #fff; }
.rates-layout { display: grid; grid-template-columns: .88fr 1.12fr; gap: 75px; align-items: start; }
.rates-layout .text-link { margin-top: 25px; }
.rates-panel { padding: 6px 29px; border: 1px solid #e6ebed; border-radius: 17px; box-shadow: 0 10px 30px rgba(28, 59, 74, .04); }
.rate-row { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 15px; padding: 17px 0; border-bottom: 1px solid #e7ecee; }
.rate-row span { color: var(--muted); font-size: 13px; }
.rate-row strong { justify-self: end; font: 700 16px var(--font-heading); color: var(--navy); }
.rate-row small { grid-column: 1 / -1; color: var(--subtle); font-size: 11px; }
.representative-example { padding: 20px 0 18px; }
.representative-example p { margin: 0 0 7px; font-weight: 700; font-size: 13px; }
.representative-example span { color: var(--muted); font-size: 12px; line-height: 1.6; }
.data-section { padding-top: 65px; padding-bottom: 65px; background: #fff; }
.data-banner { display: grid; grid-template-columns: 1fr .8fr; gap: 72px; padding: 49px 52px; color: white; border-radius: 24px; background: var(--navy); }
.data-banner .section-index { color: #a9d5ec; }
.data-banner h2 { max-width: 470px; font-size: 40px; }
.data-banner > div:first-child > p:not(.section-index) { max-width: 450px; color: #c6d6dd; font-size: 14px; line-height: 1.7; }
.light-link { display: inline-flex; gap: 10px; align-items: center; margin-top: 14px; color: var(--blue); font-size: 13px; font-weight: 700; }
.data-points { display: grid; align-content: center; gap: 17px; }
.data-points p { display: grid; grid-template-columns: 34px 1fr; gap: 12px; margin: 0; }
.data-points b { color: var(--blue); font-size: 10px; }
.data-points span { display: grid; gap: 4px; color: #c4d3da; font-size: 12px; line-height: 1.55; }
.data-points strong { color: white; font-size: 14px; }
.network-section { padding-top: 94px; padding-bottom: 95px; background: var(--paper); }
.network-content { max-width: 760px; text-align: center; }
.network-content .section-index { text-align: center; }
.network-content h2 { max-width: 640px; margin: auto; }
.network-content > p:not(.section-index) { max-width: 630px; margin: 19px auto 26px; color: var(--muted); font-size: 15px; line-height: 1.7; }
.story-section { padding-top: 52px; padding-bottom: 90px; background: var(--paper); }
.story-card { max-width: 800px; padding: 35px 45px; text-align: center; border-top: 1px solid #dce2e3; border-bottom: 1px solid #dce2e3; }
.story-mark { color: #4a9ac4; font: 800 67px/.8 Georgia, serif; }
.story-card blockquote { max-width: 680px; margin: 15px auto 20px; font: 700 clamp(22px, 3vw, 31px)/1.4 var(--font-heading); letter-spacing: -.9px; }
.story-person { display: inline-flex; gap: 10px; align-items: center; text-align: left; }
.avatar { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 50%; color: #14577a; background: #d9edf7; font-weight: 700; }
.story-person span:last-child { display: grid; gap: 2px; font-size: 12px; }
.story-person small { color: var(--subtle); font-size: 10px; }
.story-card .fine-print { margin-top: 20px; }
.faq-section { background: #fff; }
.faq-layout { display: grid; grid-template-columns: .7fr 1.3fr; gap: 100px; }
.faq-layout .text-link { margin-top: 24px; }
.faq-list details { border-bottom: 1px solid #e2e7e8; }
.faq-list summary { position: relative; padding: 20px 38px 20px 0; list-style: none; cursor: pointer; font: 700 15px/1.5 var(--font-heading); }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 4px; top: 18px; color: #317da6; font-size: 21px; font-weight: 400; transition: transform .2s; }
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list details p { margin: -2px 30px 20px 0; color: var(--muted); font-size: 13px; line-height: 1.7; }
.final-cta { padding: 84px 0; color: white; background: var(--navy-deep); }
.final-cta-inner { text-align: center; }
.final-cta .section-index { color: #a6d6ee; }
.final-cta h2 { font-size: clamp(37px, 5vw, 55px); }
.final-cta p:not(.section-index) { max-width: 510px; margin: 15px auto 24px; color: #c5d5dc; font-size: 15px; line-height: 1.7; }

.site-footer { padding-top: 58px; color: #d5e0e5; background: #092b3c; }
.footer-main { display: grid; grid-template-columns: 1.5fr .8fr .7fr .7fr 1.1fr; gap: 30px; padding-bottom: 48px; }
.brand-footer { color: white; background: #fff; padding: 12px; border-radius: 8px; }
.brand-footer .brand-mark { color: var(--blue); }
.brand-footer .brand-mark circle { fill: #092b3c; }
.footer-brand > p { max-width: 220px; margin: 17px 0 0; color: #a7bbc5; font-size: 12px; line-height: 1.6; }
.footer-column, .footer-contact { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.footer-column strong, .footer-contact strong { margin-bottom: 3px; color: white; font-size: 12px; }
.footer-column a, .footer-contact a { color: #b1c3cb; font-size: 11px; }
.footer-column a:hover, .footer-contact a:hover { color: var(--blue); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 18px; padding-bottom: 18px; border-top: 1px solid rgba(218, 234, 241, .14); }
.footer-bottom p { margin: 0; color: #91a9b4; font-size: 10px; }

.inner-hero { padding-top: 93px; padding-bottom: 90px; }
.inner-hero h1 { max-width: 840px; font-size: clamp(45px, 6vw, 72px); }
.inner-hero > p:last-child { max-width: 680px; margin: 21px 0 0; color: var(--muted); font-size: 18px; line-height: 1.7; }
.about-feature { background: white; }
.about-feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-visual { min-height: 385px; position: relative; overflow: hidden; display: flex; flex-direction: column; justify-content: space-between; padding: 34px; color: white; border-radius: 24px; background: linear-gradient(135deg, #1e678e, #0d354b); }
.about-visual > span { font-size: 10px; letter-spacing: 2px; font-weight: 700; }
.about-visual strong { position: relative; z-index: 2; font: 800 35px/1.2 var(--font-heading); letter-spacing: -1px; }
.route-line { position: absolute; inset: 25% -4% 15% 5%; border: 1px solid rgba(181, 226, 247, .42); border-radius: 50%; transform: rotate(-21deg); }
.route-line::before { content: ""; position: absolute; inset: 25px 9%; border: 1px solid rgba(181, 226, 247, .25); border-radius: 50%; }
.route-line i { position: absolute; width: 16px; height: 16px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 9px rgba(129, 193, 232, .17); }
.route-line i:nth-child(1) { top: 9%; left: 10%; }.route-line i:nth-child(2) { top: 60%; left: 54%; }.route-line i:nth-child(3) { top: 14%; right: 11%; }
.about-copy h2 { font-size: 39px; }
.about-copy p:not(.section-index) { color: var(--muted); font-size: 14px; line-height: 1.8; }
.principles-section { background: var(--sky-pale); }
.principles-section h2 { margin-bottom: 42px; }
.principles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 35px; }
.principles-grid article { padding-top: 22px; border-top: 1px solid rgba(34, 97, 129, .23); }
.principles-grid article > span { color: #367da2; font-size: 11px; }
.principles-grid h3 { margin-top: 16px; }
.contact-hero { padding-bottom: 67px; }
.contact-direct { display: flex; flex-wrap: wrap; gap: 24px; margin-top: 25px; }
.contact-direct a { color: #2678a2; font-size: 14px; font-weight: 700; }
.contact-form-section { background: white; }
.contact-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: 85px; align-items: start; }
.contact-layout h2 { font-size: 39px; }
.contact-layout > div:first-child > p:last-child { color: var(--muted); font-size: 14px; line-height: 1.7; }
.contact-card { padding: 31px; border: 1px solid #e3e9ea; border-radius: 17px; box-shadow: 0 12px 35px rgba(24, 58, 74, .06); }
.contact-card form > .button { margin-top: 23px; }
.contact-success { text-align: center; padding: 35px 5px; }
.contact-success > span, .success-check { width: 55px; height: 55px; display: grid; place-items: center; margin: 0 auto 17px; border-radius: 50%; color: #144d6a; background: var(--sky-pale); font-size: 24px; font-weight: 700; }
.contact-success h2 { font-size: 26px; }
.contact-success p { color: var(--muted); font-size: 14px; }

.legal-page { max-width: 900px; padding-top: 75px; padding-bottom: 105px; }
.legal-page h1 { margin: 0; font: 800 clamp(38px, 5vw, 58px)/1.1 var(--font-heading); letter-spacing: -2.3px; }
.legal-updated { margin: 15px 0 40px; color: var(--muted); font-size: 13px; }
.legal-updated span { color: #a94d31; font-weight: 700; }
.legal-page h2 { margin: 35px 0 10px; font: 700 21px var(--font-heading); }
.legal-page p { color: #4c5a64; font-size: 14px; line-height: 1.8; }
.legal-page a { color: #277fa9; text-decoration: underline; text-underline-offset: 3px; }
.legal-page .legal-review-note { padding: 15px 17px; border-left: 3px solid #71b8df; color: #3d5867; background: #e4f2f8; }
.not-found { min-height: 60vh; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; }
.not-found h1 { font-size: 55px; }
.not-found p:not(.section-index) { max-width: 540px; color: var(--muted); line-height: 1.7; }

.apply-header { height: 65px; display: flex; justify-content: space-between; align-items: center; padding: 0 max(24px, calc((100% - var(--container)) / 2)); border-bottom: 1px solid #e4e9ea; background: #fff; }
.apply-header-right { display: flex; align-items: center; gap: 24px; color: #576976; font-size: 12px; font-weight: 600; }
.secure-label { display: flex; align-items: center; gap: 7px; }
.lock-mark { color: #3f91b8; font-size: 18px; }
.phone-link { font-size: 13px; font-weight: 700; }
.apply-main { min-height: calc(100vh - 65px); padding: 49px 24px 70px; background: #f1f4f4; }
.apply-shell { width: min(1040px, 100%); margin: 0 auto; }
.apply-columns { display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(270px, .9fr); gap: 36px; align-items: start; }
.application-work { min-width: 0; }
.progress-steps { display: flex; align-items: center; justify-content: space-between; gap: 5px; margin: 0 0 22px; padding: 0; list-style: none; }
.progress-steps li { position: relative; display: flex; align-items: center; gap: 8px; color: #8795a0; font-size: 12px; font-weight: 600; white-space: nowrap; }
.progress-steps li:not(:last-child)::after { content: ""; width: clamp(10px, 2vw, 32px); height: 1px; margin-left: 2px; background: #cfd8dc; }
.progress-steps li > span { width: 30px; height: 30px; display: grid; place-items: center; border: 2px solid #d5dcdf; border-radius: 50%; color: #8795a0; background: white; font-size: 12px; }
.progress-steps li.is-active { color: var(--ink); }
.progress-steps li.is-active > span, .progress-steps li.is-complete > span { color: white; border-color: var(--navy); background: var(--navy); }
.progress-steps li.is-complete { color: #3d697f; }
.form-card { overflow: hidden; border: 1px solid #e0e5e6; border-radius: 24px; background: white; box-shadow: 0 5px 15px rgba(22, 51, 63, .07); }
.wizard-step { min-height: 445px; padding: 40px 43px 35px; }
.wizard-step[hidden] { display: none; }
.wizard-step h1 { margin: 0; font: 800 31px/1.2 var(--font-heading); letter-spacing: -1.2px; }
.step-description { max-width: 550px; margin: 9px 0 27px; color: var(--muted); font-size: 14px; line-height: 1.6; }
.amount-display { display: block; margin: 25px 0 28px; color: var(--navy); text-align: center; font: 800 clamp(48px, 6vw, 62px)/1 var(--font-heading); letter-spacing: -2px; }
.amount-slider { width: 100%; height: 7px; margin: 1px 0 7px; border-radius: 6px; appearance: none; background: linear-gradient(to right, #8cc9e9 0%, #8cc9e9 14.1%, #e0e7e8 14.1%, #e0e7e8 100%); outline: none; }
.amount-slider::-webkit-slider-thumb { width: 20px; height: 20px; appearance: none; border: 3px solid white; border-radius: 50%; background: var(--navy); box-shadow: 0 2px 7px #0002; }
.amount-slider::-moz-range-thumb { width: 15px; height: 15px; border: 3px solid white; border-radius: 50%; background: var(--navy); box-shadow: 0 2px 7px #0002; }
.range-labels { display: flex; justify-content: space-between; color: #85939e; font-size: 11px; }
.purpose-field { margin: 35px 0 0; padding: 0; border: 0; }
.purpose-field legend { margin-bottom: 13px; font-size: 12px; font-weight: 700; }
.choice-pills { display: flex; flex-wrap: wrap; gap: 8px; }
.choice-pill { position: relative; }
.choice-pill input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.choice-pill span { display: block; padding: 12px 15px; border: 1px solid #d6dfe2; border-radius: 12px; color: #37434b; font-size: 12px; font-weight: 600; cursor: pointer; transition: background .2s, border-color .2s, color .2s; }
.choice-pill input:checked + span { border-color: #438db5; color: #164c68; background: #e4f3fa; }
.choice-pill input:focus-visible + span { outline: 3px solid #78bce2; outline-offset: 2px; }
.fields-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 17px 14px; }
.fields-grid label { display: grid; gap: 7px; color: #36434b; font-size: 12px; font-weight: 700; }
.fields-grid label input, .fields-grid label select, .fields-grid label textarea { width: 100%; min-height: 47px; padding: 11px 13px; border: 1px solid #d6dfe2; border-radius: 9px; color: #1b252a; background: #fff; outline: none; font-size: 14px; font-weight: 400; }
.fields-grid label textarea { resize: vertical; }
.fields-grid label input:focus, .fields-grid label select:focus, .fields-grid label textarea:focus { border-color: #4f9dc6; box-shadow: 0 0 0 3px rgba(129, 193, 232, .2); }
.field-wide { grid-column: 1/-1; }
.optional-label { color: #8a97a0; font-size: 10px; font-weight: 500; }
.privacy-hint { margin-top: 20px; color: #76858e; font-size: 11px; line-height: 1.6; }
.form-actions { min-height: 91px; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 0 30px; border-top: 1px solid #e5e9ea; }
.form-actions .button { min-width: 150px; min-height: 54px; }
.back-button { padding: 12px 16px; border: 0; color: #687782; background: transparent; font-size: 13px; font-weight: 600; }
.back-button:hover { color: var(--navy); }
.submit-button:disabled { opacity: .65; cursor: wait; transform: none; }
.apply-disclaimer { max-width: 590px; margin: 17px 0 0; color: #85939e; font-size: 11px; line-height: 1.7; }
.apply-disclaimer a { color: #2580ab; text-decoration: underline; }
.application-aside { padding-top: 52px; }
.request-card { position: relative; overflow: hidden; padding: 28px 26px 24px; border-radius: 18px; color: white; background: var(--navy-deep); }
.request-card .offer-kicker { margin-bottom: 9px; }
.request-amount { display: block; margin-bottom: 13px; font: 800 36px/1 var(--font-heading); letter-spacing: -1.3px; }
.request-detail { display: flex; justify-content: space-between; gap: 12px; padding: 13px 0; border-top: 1px solid rgba(225, 241, 248, .15); font-size: 12px; }
.request-detail span { color: #aac0cb; }
.request-detail b { max-width: 55%; text-align: right; font-weight: 700; }
.aside-reassurance { display: grid; gap: 18px; margin-top: 16px; padding: 25px 23px; border: 1px solid #e1e7e8; border-radius: 16px; background: white; }
.aside-reassurance p { display: flex; gap: 11px; align-items: center; margin: 0; font-size: 12px; font-weight: 600; }
.aside-reassurance b { color: #398cb6; font-size: 16px; }
.aside-question { color: #72818c; text-align: center; font-size: 12px; }
.aside-question a { color: #267ca6; font-weight: 700; }
.form-alert { margin: 22px 35px 0; padding: 12px 15px; border: 1px solid #e8b6a9; border-radius: 9px; color: #783c2e; background: #fff4f0; font-size: 13px; line-height: 1.5; }
.form-alert:focus { outline: 2px solid #c76a50; }
.review-step { min-height: 0; }
.review-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 0 22px; margin: 20px 0 22px; padding: 0 16px; border: 1px solid #e5eaeb; border-radius: 12px; }
.review-row { min-width: 0; display: flex; flex-direction: column; gap: 4px; padding: 12px 0; border-bottom: 1px solid #edf0f0; }
.review-row span { color: #7a8891; font-size: 10px; }
.review-row strong { overflow-wrap: anywhere; font-size: 12px; }
.consent-check { display: flex; gap: 10px; align-items: flex-start; color: #52616b; font-size: 11px; line-height: 1.65; }
.consent-check input { flex: 0 0 auto; width: 17px; height: 17px; margin: 1px 0 0; accent-color: #3386af; }
.consent-check a { color: #267fa9; text-decoration: underline; }
.success-panel { max-width: 670px; margin: 55px auto; padding: 55px 45px; border: 1px solid #e0e6e7; border-radius: 22px; text-align: center; background: white; box-shadow: 0 7px 24px rgba(22,51,63,.06); }
.success-panel h1 { font: 800 39px/1.15 var(--font-heading); letter-spacing: -1.5px; }
.success-panel > p:not(.section-index) { max-width: 470px; margin: 14px auto 23px; color: var(--muted); font-size: 14px; line-height: 1.7; }
.success-panel .section-index { margin-top: 0; }
.form-honeypot { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

@media (max-width: 1000px) {
  .brand-logo { width: 170px; }
  .site-header-inner { gap: 16px; }
  .main-nav { gap: 13px; }
  .main-nav a, .header-phone { font-size: 11px; }
  .header-actions { gap: 10px; }
  .header-actions .button { padding-inline: 15px; }
  .hero { gap: 30px; }
  .offer-card { padding-inline: 27px; }
  .uses-layout, .rates-layout { gap: 42px; }
  .footer-main { grid-template-columns: 1.3fr .8fr .7fr .7fr; }
  .footer-contact { grid-column: 2/-1; }
  .apply-columns { grid-template-columns: minmax(0, 1.45fr) minmax(240px, .85fr); gap: 23px; }
  .progress-steps li { font-size: 10px; gap: 5px; }
  .progress-steps li > span { width: 27px; height: 27px; }
}
@media (max-width: 760px) {
  .container, .site-header-inner { width: min(100% - 36px, var(--container)); }
  .site-header { height: 66px; }
  .site-header-inner { position: relative; }
  .brand { min-width: auto; }
  .brand-logo { width: 155px; }
  .mobile-menu-toggle { width: 40px; height: 40px; display: grid; align-content: center; justify-items: center; gap: 5px; margin-left: auto; border: 1px solid #d6dfe2; border-radius: 50%; background: transparent; }
  .mobile-menu-toggle span { width: 16px; height: 2px; background: var(--navy); transition: transform .2s; }
  .mobile-menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3.5px) rotate(45deg); }
  .mobile-menu-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3.5px) rotate(-45deg); }
  .main-nav { position: absolute; top: 65px; left: -18px; right: -18px; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 10px 18px 17px; background: var(--paper); box-shadow: 0 14px 19px rgba(18,47,61,.09); }
  .main-nav.is-open { display: flex; }
  .main-nav a { padding: 13px 3px; border-bottom: 1px solid #dfe5e6; font-size: 14px; }
  .nav-mobile-link { display: block; }
  .header-actions { display: none; }
  .hero { min-height: auto; grid-template-columns: 1fr; gap: 37px; padding-top: 55px; padding-bottom: 36px; }
  .hero h1 { max-width: 620px; font-size: clamp(44px, 11vw, 62px); letter-spacing: -2.7px; }
  .hero-subtitle { font-size: 17px; }
  .hero-buttons { align-items: stretch; }
  .hero-buttons .button { min-height: 54px; padding-inline: 21px; font-size: 13px; }
  .hero-buttons .button-outline { flex: 1; }
  .hero-assurances { gap: 12px 18px; font-size: 10px; }
  .offer-card { min-height: auto; padding: 29px 25px 25px; border-radius: 21px; }
  .offer-amount { font-size: 47px; }
  .offer-stats div { min-height: 79px; padding: 14px 12px; }
  .offer-stats strong { font-size: 15px; }
  .offer-stats span { font-size: 11px; }
  .rating-line { flex-wrap: wrap; }
  .trust-stats { padding-top: 19px; padding-bottom: 43px; }
  .trust-caption { margin-bottom: 24px; }
  .trust-stat-grid { grid-template-columns: 1fr 1fr; gap: 24px 10px; }
  .trust-stat-grid strong { font-size: 37px; }
  .section { padding: 75px 0; }
  .section-heading-row, .why-intro { align-items: flex-start; flex-direction: column; gap: 20px; }
  .section-heading-row { margin-bottom: 29px; }
  .section-heading-row .text-link { margin: 0; }
  .steps-grid { grid-template-columns: 1fr; gap: 11px; }
  .step-card { min-height: auto; padding: 21px; }
  .step-card h3 { margin-top: 18px; }
  .uses-layout, .rates-layout, .faq-layout, .about-feature-grid, .contact-layout { grid-template-columns: 1fr; gap: 33px; }
  .uses-grid { gap: 8px; }
  .use-tile { min-height: 74px; grid-template-columns: 21px 1fr 13px; gap: 6px; padding: 12px 10px; }
  .use-tile strong { font-size: 11px; }
  .use-tile span { font-size: 9px; }
  .benefits-grid { grid-template-columns: 1fr 1fr; gap: 28px 19px; }
  .benefit-card h3 { font-size: 15px; }
  .benefit-card p { font-size: 12px; }
  .data-banner { grid-template-columns: 1fr; gap: 29px; padding: 31px 25px; }
  .data-banner h2 { font-size: 34px; }
  .data-section { padding: 35px 0; }
  .network-section { padding: 69px 0; }
  .story-section { padding: 36px 0 64px; }
  .story-card { padding-inline: 9px; }
  .faq-layout { gap: 31px; }
  .final-cta { padding: 69px 0; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 29px 20px; }
  .footer-brand { grid-column: 1/-1; }
  .footer-contact { grid-column: auto; }
  .footer-bottom { flex-direction: column; gap: 8px; }
  .inner-hero { padding-top: 68px; padding-bottom: 65px; }
  .inner-hero h1 { font-size: clamp(43px, 10vw, 62px); letter-spacing: -2.5px; }
  .inner-hero > p:last-child { font-size: 16px; }
  .about-visual { min-height: 305px; }
  .about-copy h2, .contact-layout h2 { font-size: 34px; }
  .principles-grid { grid-template-columns: 1fr; gap: 25px; }
  .contact-layout { gap: 20px; }
  .contact-card { padding: 22px 17px; }
  .legal-page { padding-top: 56px; padding-bottom: 75px; }
  .apply-header { height: 61px; padding: 0 17px; }
  .apply-header .brand-name { font-size: 15px; }
  .apply-header .brand-name span { font-size: 8px; }
  .apply-header-right { gap: 13px; font-size: 10px; }
  .apply-header-right .secure-label { display: none; }
  .phone-link { font-size: 11px; }
  .apply-main { padding: 27px 14px 45px; }
  .apply-columns { grid-template-columns: 1fr; gap: 20px; }
  .application-aside { order: -1; padding-top: 0; }
  .request-card { padding: 20px 20px 15px; border-radius: 14px; }
  .request-card .offer-kicker { font-size: 9px; }
  .request-amount { font-size: 30px; }
  .request-detail { padding: 9px 0; font-size: 11px; }
  .aside-reassurance { display: none; }
  .aside-question { margin: 10px 0 13px; }
  .progress-steps { gap: 2px; margin-bottom: 14px; }
  .progress-steps li { gap: 4px; font-size: 9px; }
  .progress-steps li:not(:last-child)::after { width: 10px; }
  .progress-steps li > span { width: 25px; height: 25px; font-size: 10px; }
  .wizard-step { min-height: 0; padding: 29px 21px 28px; }
  .wizard-step h1 { font-size: 27px; }
  .step-description { font-size: 13px; margin-bottom: 20px; }
  .amount-display { font-size: 52px; margin: 21px 0 24px; }
  .purpose-field { margin-top: 29px; }
  .choice-pills { gap: 7px; }
  .choice-pill span { padding: 10px 11px; font-size: 11px; }
  .fields-grid { grid-template-columns: 1fr; gap: 13px; }
  .field-wide { grid-column: auto; }
  .review-summary { grid-template-columns: 1fr 1fr; gap: 0 13px; padding-inline: 12px; }
  .form-actions { min-height: 79px; padding: 0 17px; }
  .form-actions .button { min-width: 132px; min-height: 49px; padding-inline: 18px; font-size: 13px; }
  .apply-disclaimer { font-size: 10px; }
  .form-alert { margin: 15px 15px 0; font-size: 12px; }
  .success-panel { margin: 23px auto; padding: 39px 23px; }
  .success-panel h1 { font-size: 32px; }
}
@media (max-width: 390px) {
  .brand-name { font-size: 15px; }
  .brand-mark { width: 28px; height: 28px; }
  .hero h1 { font-size: 43px; }
  .hero-buttons { flex-direction: column; }
  .hero-buttons .button { width: 100%; }
  .progress-steps li { font-size: 0; }
  .progress-steps li > span { font-size: 10px; }
  .progress-steps li:not(:last-child)::after { width: 21px; }
}