/* Union Capital Lending v5 — Premium Financial Institution */

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}

:root{
  --navy:#0c1a2e;
  --navy-90:rgba(12,26,46,.92);
  --navy-70:rgba(12,26,46,.7);
  --dark:#162238;
  --blue:#1a6fef;
  --blue-d:#1558c7;
  --blue-glow:rgba(26,111,239,.1);
  --blue-soft:#e8f0fe;
  --teal:#0d9488;
  --green:#16a34a;
  --green-soft:#dcfce7;
  --gold:#b8860b;
  --white:#fff;
  --gray-25:#fcfcfd;
  --gray-50:#f9fafb;
  --gray-100:#f3f4f6;
  --gray-200:#e5e7eb;
  --gray-300:#d1d5db;
  --gray-400:#9ca3af;
  --gray-500:#6b7280;
  --gray-600:#4b5563;
  --gray-700:#374151;
  --gray-800:#1f2937;
  --red:#dc2626;
  --radius:8px;
  --radius-lg:14px;
  --radius-xl:20px;
  --shadow-xs:0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:0 1px 3px rgba(0,0,0,.06),0 1px 2px rgba(0,0,0,.04);
  --shadow:0 4px 6px -1px rgba(0,0,0,.07),0 2px 4px -2px rgba(0,0,0,.05);
  --shadow-md:0 10px 15px -3px rgba(0,0,0,.08),0 4px 6px rgba(0,0,0,.04);
  --shadow-lg:0 20px 25px -5px rgba(0,0,0,.08),0 8px 10px rgba(0,0,0,.04);
}

html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--gray-800);line-height:1.6;background:var(--white);overflow-x:hidden}
a{text-decoration:none;color:inherit;transition:color .2s}
img{max-width:100%;height:auto;display:block}
ul{list-style:none}
button{cursor:pointer;font-family:inherit}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.container-sm{max-width:900px;margin:0 auto;padding:0 24px}

/* Reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity .65s ease,transform .65s ease}
.rv.v{opacity:1;transform:none}
.rv-l{opacity:0;transform:translateX(-30px);transition:opacity .65s ease,transform .65s ease}
.rv-l.v{opacity:1;transform:none}
.rv-r{opacity:0;transform:translateX(30px);transition:opacity .65s ease,transform .65s ease}
.rv-r.v{opacity:1;transform:none}
[data-d="1"]{transition-delay:.08s}[data-d="2"]{transition-delay:.16s}[data-d="3"]{transition-delay:.24s}[data-d="4"]{transition-delay:.32s}

/* ===================== BUTTONS ===================== */
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;border:none;border-radius:8px;padding:13px 28px;transition:all .25s;line-height:1.35}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-d);box-shadow:0 4px 14px rgba(26,111,239,.3)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--gray-100)}
.btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.25)}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-outline{background:transparent;color:var(--blue);border:1.5px solid var(--blue)}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:#15803d}
.btn-lg{padding:16px 36px;font-size:16px;border-radius:10px}
.btn svg{width:18px;height:18px;flex-shrink:0}

/* ===================== TOP BAR ===================== */
.topbar{background:var(--navy);color:rgba(255,255,255,.7);font-size:13px;padding:0;height:36px;display:flex;align-items:center}
.topbar-inner{display:flex;justify-content:space-between;align-items:center}
.topbar a{color:rgba(255,255,255,.7);transition:color .2s}
.topbar a:hover{color:#fff}
.topbar-left,.topbar-right{display:flex;gap:20px;align-items:center}
.topbar-sep{width:1px;height:14px;background:rgba(255,255,255,.15)}

/* ===================== HEADER ===================== */
.header{background:#fff;position:sticky;top:0;z-index:100;border-bottom:1px solid var(--gray-200);transition:box-shadow .3s,border-color .3s}
.header.scrolled{box-shadow:0 4px 20px rgba(0,0,0,.06);border-color:transparent}
.header-row{display:flex;align-items:center;height:68px;gap:0}
.logo{flex-shrink:0;margin-right:28px}
.logo img{height:38px}
nav.main-nav{flex:1}
nav.main-nav ul{display:flex;align-items:center;gap:2px}
nav.main-nav a{color:var(--gray-600);font-weight:500;font-size:14px;padding:8px 12px;border-radius:6px;transition:all .2s;position:relative}
nav.main-nav a:hover,nav.main-nav a.active{color:var(--blue);background:var(--blue-glow)}
.nav-m-action{display:none}
.nav-actions{display:flex;align-items:center;gap:8px;flex-shrink:0}
.nav-signin{display:inline-flex;align-items:center;gap:6px;color:var(--gray-600);font-weight:500;font-size:14px;padding:8px 14px;border-radius:6px;transition:all .2s;white-space:nowrap}
.nav-signin:hover{color:var(--blue);background:var(--blue-glow)}
.nav-signin svg{width:15px;height:15px;flex-shrink:0}
.nav-apply{display:inline-flex;align-items:center;gap:6px;background:var(--blue);color:#fff;font-size:14px;font-weight:600;padding:10px 22px;border-radius:8px;transition:all .25s;white-space:nowrap}
.nav-apply:hover{background:var(--blue-d);box-shadow:0 4px 14px rgba(26,111,239,.3);color:#fff}
.nav-phone{display:none}
.nav-cta{display:none!important}
.hamburger{display:none;background:0 0;border:0;padding:6px}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px;transition:all .3s}
.hamburger.on span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger.on span:nth-child(2){opacity:0}
.hamburger.on span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* ===================== HERO ===================== */
.hero{position:relative;background:var(--navy);overflow:hidden}
.hero-bg{position:absolute;inset:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;opacity:.3}
.hero::after{content:'';position:absolute;inset:0;background:linear-gradient(to right,var(--navy-90) 0%,var(--navy-90) 40%,var(--navy-70) 100%)}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1fr 440px;gap:60px;align-items:center;min-height:600px;padding-top:60px;padding-bottom:60px}
.hero-text{color:#fff}
.hero-text h1{font-size:44px;font-weight:800;line-height:1.15;margin-bottom:18px;letter-spacing:-.3px}
.hero-text h1 em{font-style:normal;color:var(--blue);display:inline}
.hero-text p{font-size:17px;color:rgba(255,255,255,.75);line-height:1.7;margin-bottom:32px;max-width:480px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}

/* Loan Selector Widget */
.loan-widget{background:#fff;border-radius:var(--radius-xl);padding:36px;box-shadow:0 25px 50px rgba(0,0,0,.2)}
.loan-widget h2{font-size:22px;font-weight:700;color:var(--navy);margin-bottom:6px}
.loan-widget .sub{color:var(--gray-500);font-size:14px;margin-bottom:24px}
.loan-options{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:24px}
.loan-opt{padding:14px 10px;border:1.5px solid var(--gray-200);border-radius:var(--radius);text-align:center;cursor:pointer;transition:all .2s;background:#fff}
.loan-opt:hover{border-color:var(--blue);background:var(--blue-glow)}
.loan-opt.active{border-color:var(--blue);background:var(--blue-soft);color:var(--blue)}
.loan-opt svg{width:28px;height:28px;margin:0 auto 6px;display:block;color:var(--gray-400)}
.loan-opt.active svg{color:var(--blue)}
.loan-opt span{font-size:12px;font-weight:600;display:block;color:var(--gray-600)}
.loan-opt.active span{color:var(--blue)}
.widget-cta{width:100%;padding:15px;font-size:16px;border-radius:var(--radius);font-weight:700}
.widget-note{font-size:12px;color:var(--gray-400);text-align:center;margin-top:12px;display:flex;align-items:center;justify-content:center;gap:4px}
.widget-note svg{width:14px;height:14px}

/* ===================== TRUST STRIP ===================== */
.trust-strip{background:var(--gray-50);border-bottom:1px solid var(--gray-200);padding:16px 0}
.trust-inner{display:flex;justify-content:center;gap:40px;flex-wrap:wrap;align-items:center}
.trust-item{display:flex;align-items:center;gap:8px;color:var(--gray-600);font-size:13px;font-weight:600}
.trust-item svg{width:18px;height:18px;color:var(--blue)}

/* ===================== SECTIONS ===================== */
.section{padding:88px 0}
.section-alt{background:var(--gray-50)}
.section-dark{background:var(--navy);color:#fff}
.s-head{margin-bottom:48px}
.s-head.center{text-align:center}
.s-head.center p{margin-left:auto;margin-right:auto}
.s-label{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--blue);margin-bottom:8px;display:block}
.section-dark .s-label{color:var(--blue)}
.s-head h2{font-size:34px;font-weight:800;line-height:1.2;letter-spacing:-.2px;color:var(--navy);margin-bottom:12px}
.section-dark .s-head h2{color:#fff}
.s-head p{font-size:16px;color:var(--gray-500);max-width:520px;line-height:1.65}
.section-dark .s-head p{color:rgba(255,255,255,.55)}

/* ===================== PRODUCT CARDS ===================== */
.products{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.prod{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:all .25s}
.prod:hover{box-shadow:var(--shadow-md);border-color:var(--gray-300)}
.prod-img{height:180px;overflow:hidden}
.prod-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.prod:hover .prod-img img{transform:scale(1.04)}
.prod-body{padding:24px}
.prod-body h3{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:6px}
.prod-body p{font-size:14px;color:var(--gray-500);line-height:1.6;margin-bottom:14px}
.prod-rate{display:inline-flex;align-items:center;gap:4px;font-size:13px;font-weight:600;color:var(--green);margin-bottom:14px}
.prod-rate svg{width:14px;height:14px}
.prod-link{font-weight:600;font-size:14px;color:var(--blue);display:inline-flex;align-items:center;gap:4px;transition:gap .2s}
.prod-link:hover{gap:8px;color:var(--blue-d)}
.prod-link svg{width:16px;height:16px}

/* ===================== HOW IT WORKS ===================== */
.steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;position:relative;counter-reset:stp}
.steps-row::before{content:'';position:absolute;top:26px;left:calc(12.5% + 16px);right:calc(12.5% + 16px);height:2px;background:var(--gray-200)}
.stp{text-align:center;counter-increment:stp;position:relative}
.stp-n{width:52px;height:52px;border-radius:50%;background:#fff;border:2px solid var(--blue);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:18px;font-weight:800;color:var(--blue);position:relative;z-index:1;transition:all .25s}
.stp-n::before{content:counter(stp)}
.stp:hover .stp-n{background:var(--blue);color:#fff}
.stp h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.stp p{font-size:13px;color:var(--gray-500);line-height:1.55}

/* ===================== RATES DISPLAY ===================== */
.rates-bar{background:linear-gradient(135deg,var(--dark),var(--navy));padding:48px 0;color:#fff}
.rates-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rate-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-lg);padding:28px;text-align:center;transition:all .3s}
.rate-card:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.15)}
.rate-card .rate-label{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;color:rgba(255,255,255,.45);margin-bottom:8px;font-weight:600}
.rate-card .rate-num{font-size:36px;font-weight:800;line-height:1;margin-bottom:4px}
.rate-card .rate-apr{font-size:13px;color:rgba(255,255,255,.5)}
.rate-card .rate-type{font-size:14px;color:rgba(255,255,255,.7);margin-top:8px;font-weight:500}
.rates-note{text-align:center;margin-top:20px;font-size:12px;color:rgba(255,255,255,.35)}

/* ===================== CALCULATOR ===================== */
.calc-wrap{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-xl);padding:40px;box-shadow:var(--shadow)}
.calc-wrap h3{font-size:22px;font-weight:700;color:var(--navy);margin-bottom:4px}
.calc-wrap .sub{font-size:14px;color:var(--gray-500);margin-bottom:28px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}
.calc-field label{display:block;font-size:13px;font-weight:600;color:var(--gray-700);margin-bottom:5px}
.calc-field input,.calc-field select{width:100%;padding:12px 14px;border:1px solid var(--gray-300);border-radius:var(--radius);font-size:15px;font-family:inherit;background:var(--gray-50);color:var(--gray-800);transition:all .2s}
.calc-field input:focus,.calc-field select:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-glow);background:#fff}
.calc-result{background:var(--blue-soft);border-radius:var(--radius-lg);padding:28px;text-align:center}
.calc-result .est-label{font-size:13px;color:var(--gray-500);margin-bottom:4px}
.calc-result .est-amount{font-size:40px;font-weight:800;color:var(--navy);line-height:1.1}
.calc-result .est-sub{font-size:13px;color:var(--gray-500);margin-top:6px}

/* ===================== SPLIT LAYOUT ===================== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.flip{direction:rtl}
.split.flip>*{direction:ltr}
.split-img{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}
.split-img img{width:100%;height:400px;object-fit:cover}
.split-text h2{font-size:32px;font-weight:800;color:var(--navy);line-height:1.2;margin-bottom:16px}
.split-text p{color:var(--gray-500);line-height:1.75;margin-bottom:14px;font-size:15px}
.check-list li{padding:5px 0 5px 26px;color:var(--gray-600);font-size:14.5px;position:relative}
.check-list li::before{content:'';position:absolute;left:0;top:10px;width:16px;height:16px;border-radius:50%;background:var(--blue)}
.check-list li::after{content:'';position:absolute;left:4.5px;top:14px;width:7px;height:4px;border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg)}

/* ===================== STATS ===================== */
.stats-band{position:relative;padding:56px 0;overflow:hidden}
.stats-band-bg{position:absolute;inset:0}
.stats-band-bg img{width:100%;height:100%;object-fit:cover}
.stats-band-bg::after{content:'';position:absolute;inset:0;background:var(--navy-90)}
.stats-band .container{position:relative;z-index:1}
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;color:#fff;text-align:center}
.stats-row strong{display:block;font-size:40px;font-weight:800;line-height:1.15}
.stats-row span{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;opacity:.5;font-weight:500}

/* ===================== TESTIMONIALS ===================== */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.testi{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:28px;transition:all .25s}
.testi:hover{box-shadow:var(--shadow);border-color:transparent}
.testi-stars{display:flex;gap:2px;margin-bottom:12px}
.testi-stars svg{width:16px;height:16px;fill:var(--gold)}
.testi blockquote{font-size:14.5px;color:var(--gray-600);line-height:1.7;margin-bottom:20px}
.testi-who{display:flex;align-items:center;gap:12px}
.testi-who img{width:40px;height:40px;border-radius:50%;object-fit:cover}
.testi-who strong{display:block;font-size:13px;color:var(--navy)}
.testi-who span{font-size:12px;color:var(--gray-400)}

/* ===================== CTA BAND ===================== */
.cta-band{position:relative;padding:72px 0;overflow:hidden}
.cta-band-bg{position:absolute;inset:0}
.cta-band-bg img{width:100%;height:100%;object-fit:cover}
.cta-band-bg::after{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,111,239,.92),var(--navy-90))}
.cta-band .container{position:relative;z-index:1;text-align:center;color:#fff}
.cta-band h2{font-size:32px;font-weight:800;margin-bottom:12px}
.cta-band p{font-size:17px;opacity:.82;margin-bottom:28px;max-width:480px;margin-left:auto;margin-right:auto}
.cta-band .btn-group{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ===================== PAGE HERO ===================== */
.pg-hero{position:relative;padding:64px 0;overflow:hidden;background:var(--navy)}
.pg-hero-bg{position:absolute;inset:0}
.pg-hero-bg img{width:100%;height:100%;object-fit:cover;opacity:.25}
.pg-hero::after{content:'';position:absolute;inset:0;background:var(--navy-90)}
.pg-hero .container{position:relative;z-index:1;text-align:center;color:#fff}
.pg-hero h1{font-size:38px;font-weight:800;margin-bottom:8px}
.pg-hero>p,.pg-hero .container>p{font-size:16px;opacity:.7}
.crumb{margin-top:14px;font-size:13px;color:rgba(255,255,255,.4)}
.crumb a{color:rgba(255,255,255,.55)}
.crumb a:hover{color:#fff}

/* ===================== SHOWCASE (services) ===================== */
.showcase{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding:48px 0}
.showcase+.showcase{border-top:1px solid var(--gray-200)}
.showcase.flip{direction:rtl}
.showcase.flip>*{direction:ltr}
.showcase-img{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow)}
.showcase-img img{width:100%;height:340px;object-fit:cover;transition:transform .5s ease}
.showcase:hover .showcase-img img{transform:scale(1.03)}
.showcase-body h3{font-size:26px;font-weight:800;color:var(--navy);margin-bottom:10px}
.showcase-body>p{color:var(--gray-500);line-height:1.75;margin-bottom:16px;font-size:15px}
.showcase-body .btn{margin-top:20px}

/* ===================== FAQ ===================== */
.faq-wrap{max-width:740px;margin:0 auto}
.faq-group{margin-bottom:36px}
.faq-group h3{font-size:19px;font-weight:700;color:var(--navy);padding-bottom:10px;margin-bottom:14px;border-bottom:2px solid var(--blue)}
.faq-item{border:1px solid var(--gray-200);border-radius:var(--radius);margin-bottom:8px;transition:border-color .2s}
.faq-item:hover{border-color:var(--gray-300)}
.faq-q{padding:16px 48px 16px 18px;cursor:pointer;font-weight:600;font-size:15px;color:var(--navy);position:relative;user-select:none;transition:color .2s}
.faq-q:hover{color:var(--blue)}
.faq-q::after{content:'';position:absolute;right:18px;top:50%;width:8px;height:8px;border-right:2px solid var(--gray-400);border-bottom:2px solid var(--gray-400);transform:translateY(-60%) rotate(45deg);transition:all .25s}
.faq-item.open .faq-q::after{transform:translateY(-30%) rotate(-135deg);border-color:var(--blue)}
.faq-item.open .faq-q{color:var(--blue)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a-inner{padding:0 18px 18px;color:var(--gray-500);line-height:1.75;font-size:14.5px}

/* ===================== CONTACT ===================== */
.contact-layout{display:grid;grid-template-columns:1.3fr 1fr;gap:40px}
.contact-box{background:#fff;padding:36px;border-radius:var(--radius-xl);box-shadow:var(--shadow-lg);border:1px solid var(--gray-100)}
.contact-box h2{font-size:24px;font-weight:800;color:var(--navy);margin-bottom:4px}
.contact-box .sub{color:var(--gray-500);font-size:14px;margin-bottom:24px}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-weight:600;font-size:13px;color:var(--gray-700);margin-bottom:4px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 14px;border:1px solid var(--gray-300);border-radius:var(--radius);font-size:15px;font-family:inherit;background:var(--gray-50);color:var(--gray-800);transition:all .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-glow);background:#fff}
.form-group textarea{height:130px;resize:vertical}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.alert{padding:14px 16px;border-radius:var(--radius);margin-bottom:18px;font-size:14px;font-weight:500}
.alert-ok{background:var(--green-soft);color:#166534;border:1px solid #bbf7d0}
.alert-err{background:#fef2f2;color:#991b1b;border:1px solid #fecaca}
.info-stack{display:flex;flex-direction:column;gap:18px}
.info-box{padding:24px;border:1px solid var(--gray-200);border-radius:var(--radius-lg);background:#fff}
.info-box h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:16px}
.info-row{display:flex;align-items:flex-start;gap:12px;margin-bottom:16px}
.info-row:last-child{margin-bottom:0}
.info-ico{width:38px;height:38px;border-radius:10px;background:var(--blue-glow);display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0}
.info-ico svg{width:18px;height:18px}
.info-txt strong{display:block;font-size:13px;color:var(--navy);margin-bottom:1px}
.info-txt p,.info-txt a{font-size:13px;color:var(--gray-500)}
.info-txt a:hover{color:var(--blue)}
.hours li{display:flex;justify-content:space-between;padding:7px 0;font-size:13px;color:var(--gray-500);border-bottom:1px solid var(--gray-100)}
.hours li:last-child{border:0}
.map-frame{border-radius:var(--radius-lg);overflow:hidden;height:180px}
.map-frame iframe{width:100%;height:100%;border:0}

/* ===================== VALUES ===================== */
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.val{padding:28px 22px;border:1px solid var(--gray-200);border-radius:var(--radius-lg);transition:all .25s}
.val:hover{border-color:var(--blue);box-shadow:var(--shadow-sm)}
.val-ico{width:38px;height:38px;border-radius:10px;background:var(--blue-glow);display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:12px}
.val-ico svg{width:18px;height:18px}
.val h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.val p{font-size:13px;color:var(--gray-500);line-height:1.55}

/* ===================== TEAM ===================== */
.team-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.team-m{border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;background:#fff;transition:all .25s}
.team-m:hover{box-shadow:var(--shadow);border-color:transparent}
.team-m-img{height:280px;overflow:hidden}
.team-m-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.team-m:hover .team-m-img img{transform:scale(1.03)}
.team-m-body{padding:20px}
.team-m-body h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:2px}
.team-m-body .role{font-size:12px;font-weight:600;color:var(--blue);margin-bottom:6px}
.team-m-body p{font-size:13px;color:var(--gray-500);line-height:1.55}

/* ===================== FEATURES ROW ===================== */
.feats{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.feat{position:relative;padding-left:52px}
.feat-ico{position:absolute;left:0;top:0;width:40px;height:40px;border-radius:10px;background:var(--blue-glow);display:flex;align-items:center;justify-content:center;color:var(--blue);transition:all .25s}
.feat-ico svg{width:18px;height:18px}
.feat:hover .feat-ico{background:var(--blue);color:#fff}
.feat h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:3px}
.feat p{font-size:13px;color:var(--gray-500);line-height:1.55}

/* ===================== FOOTER ===================== */
.footer{background:var(--navy);color:#fff;padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:40px;padding-bottom:40px}
.footer-about p{font-size:13px;opacity:.5;line-height:1.7;margin:14px 0 18px}
.footer-social{display:flex;gap:6px}
.footer-social a{width:34px;height:34px;border-radius:8px;background:rgba(255,255,255,.06);display:flex;align-items:center;justify-content:center;transition:all .2s}
.footer-social a:hover{background:var(--blue)}
.footer-social a svg{width:14px;height:14px;fill:#fff}
.footer-col h4{font-size:14px;font-weight:700;margin-bottom:16px}
.footer-col li{margin-bottom:8px}
.footer-col a{color:rgba(255,255,255,.45);font-size:13px;transition:all .2s}
.footer-col a:hover{color:#fff;padding-left:3px}
.footer-nl p{font-size:13px;opacity:.45;margin-bottom:12px}
.nl-form{display:flex;border-radius:8px;overflow:hidden;background:rgba(255,255,255,.06)}
.nl-form input{flex:1;padding:10px 12px;border:0;background:transparent;color:#fff;font-size:13px;outline:0}
.nl-form input::placeholder{color:rgba(255,255,255,.3)}
.nl-form button{padding:10px 16px;background:var(--blue);color:#fff;border:0;font-weight:600;font-size:13px;transition:background .2s}
.nl-form button:hover{background:var(--blue-d)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding:18px 0;display:flex;justify-content:space-between;align-items:center;font-size:12px;opacity:.35}
.footer-bottom-links{display:flex;gap:16px}
.footer-bottom-links a{color:rgba(255,255,255,.4)}
.footer-bottom-links a:hover{color:#fff}
.footer-logo img{height:36px;filter:brightness(0) invert(1)}

/* Equal Height Disclaimer */
.disclaimer{background:var(--gray-50);border-top:1px solid var(--gray-200);padding:20px 0;font-size:11px;color:var(--gray-400);line-height:1.6}

/* ===================== FOOTER ENHANCEMENTS ===================== */
.footer-badges{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0}
.footer-badge{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;color:rgba(255,255,255,.45);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:20px;padding:4px 10px}
.footer-badge svg{width:13px;height:13px;flex-shrink:0}
.footer-legal-links ul{list-style:none}
.footer-legal-links li{margin-bottom:8px}
.footer-legal-links a{color:rgba(255,255,255,.45);font-size:13px;transition:all .2s}
.footer-legal-links a:hover{color:#fff;padding-left:3px}

/* ===================== BACK TO TOP ===================== */
.back-to-top{position:fixed;bottom:88px;right:24px;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;border:none;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(26,111,239,.35);opacity:0;transform:translateY(12px);transition:all .3s;z-index:200;cursor:pointer}
.back-to-top.show{opacity:1;transform:translateY(0)}
.back-to-top:hover{background:var(--blue-d);transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,111,239,.4)}

/* ===================== MOBILE STICKY CTA ===================== */
.mobile-sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--gray-200);padding:10px 16px;gap:10px;z-index:199;box-shadow:0 -4px 20px rgba(0,0,0,.08)}
.mobile-sticky-cta .btn{flex:1;justify-content:center;font-size:14px;padding:11px 16px}

/* ===================== LEGAL PAGES ===================== */
.legal-meta{background:var(--blue-soft);border:1px solid rgba(26,111,239,.15);border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:32px}
.legal-meta-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.legal-meta-item{display:flex;flex-direction:column;gap:3px}
.legal-meta-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--blue)}
.legal-meta-item strong{font-size:14px;color:var(--navy);font-weight:700}

.legal-toc{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px 28px;margin-bottom:40px}
.legal-toc h3{font-size:14px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:1px;margin-bottom:14px}
.toc-list{list-style:none;columns:2;column-gap:32px;padding:0}
.toc-list li{margin-bottom:8px;break-inside:avoid}
.toc-list li::before{content:counter(toc-counter) ".";counter-increment:toc-counter;color:var(--blue);font-weight:700;font-size:12px;margin-right:6px}
.toc-list{counter-reset:toc-counter}
.toc-list a{font-size:13.5px;color:var(--gray-600);font-weight:500;transition:color .2s}
.toc-list a:hover{color:var(--blue)}

.legal-body{font-size:15px;color:var(--gray-700);line-height:1.8}

.legal-section{margin-bottom:48px;padding-bottom:48px;border-bottom:1px solid var(--gray-100)}
.legal-section:last-child{border-bottom:none}
.legal-section h2{font-size:22px;font-weight:800;color:var(--navy);margin-bottom:16px;padding-bottom:10px;border-bottom:2px solid var(--blue);display:inline-block}
.legal-section h3{font-size:16px;font-weight:700;color:var(--navy);margin:20px 0 8px}
.legal-section p{margin-bottom:14px;color:var(--gray-600)}
.sec-num{color:var(--blue)}

.legal-list{margin:8px 0 14px 0;padding:0;list-style:none}
.legal-list li{padding:5px 0 5px 20px;position:relative;color:var(--gray-600);font-size:14.5px}
.legal-list li::before{content:'';position:absolute;left:0;top:12px;width:6px;height:6px;border-radius:50%;background:var(--blue)}

.legal-callout{background:var(--blue-soft);border-left:4px solid var(--blue);border-radius:0 var(--radius) var(--radius) 0;padding:14px 18px;margin:16px 0;font-size:14px;color:var(--gray-700);line-height:1.65}
.legal-callout strong{color:var(--navy)}
.legal-callout-warning{background:#fffbeb;border-color:#f59e0b;color:#78350f}
.legal-callout-warning strong{color:#92400e}

.legal-footnote{font-size:12px;color:var(--gray-400);font-style:italic;margin-top:8px;line-height:1.6}

.loan-table-wrap{overflow-x:auto;margin:16px 0;border-radius:var(--radius-lg);border:1px solid var(--gray-200)}
.loan-table{width:100%;border-collapse:collapse;font-size:13.5px}
.loan-table th{background:var(--navy);color:#fff;padding:12px 16px;text-align:left;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;white-space:nowrap}
.loan-table td{padding:11px 16px;border-bottom:1px solid var(--gray-100);color:var(--gray-600);vertical-align:middle}
.loan-table tr:last-child td{border-bottom:none}
.loan-table tr:hover td{background:var(--gray-50)}

.contact-info-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:16px 0}
.contact-info-item{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:18px 20px;display:flex;flex-direction:column;gap:3px}
.contact-info-item strong{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:4px}
.contact-info-item span{font-size:13px;color:var(--gray-500)}

.legal-end{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:20px 24px;margin-top:40px;text-align:center;font-size:12px;color:var(--gray-400);line-height:1.8}
.legal-end strong{color:var(--gray-600)}

/* ===================== UI POLISH ===================== */
/* Gradient hero heading accent */
.hero-text h1 em{background:linear-gradient(90deg,var(--blue),#60a5fa);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;font-style:normal}

/* Improved product card */
.prod{transition:all .3s cubic-bezier(.22,1,.36,1)}
.prod:hover{box-shadow:0 16px 40px rgba(0,0,0,.12);border-color:var(--blue);transform:translateY(-3px)}

/* Improved testimonial card */
.testi{transition:all .3s cubic-bezier(.22,1,.36,1)}
.testi:hover{box-shadow:0 12px 32px rgba(0,0,0,.1);border-color:transparent;transform:translateY(-2px)}

/* Value cards */
.val{transition:all .3s cubic-bezier(.22,1,.36,1)}
.val:hover{transform:translateY(-2px);box-shadow:var(--shadow)}

/* Pulse animation for Apply Now CTA */
@keyframes pulse-ring{0%{box-shadow:0 0 0 0 rgba(26,111,239,.4)}70%{box-shadow:0 0 0 10px rgba(26,111,239,0)}100%{box-shadow:0 0 0 0 rgba(26,111,239,0)}}
.nav-apply{animation:pulse-ring 2.5s ease infinite}

/* Rate card number gradient */
.rate-card .rate-num{background:linear-gradient(135deg,#fff,rgba(255,255,255,.7));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* Smooth focus ring */
:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:4px}

/* Section label pill */
.s-label{background:var(--blue-soft);color:var(--blue);padding:4px 12px;border-radius:20px;font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;display:inline-block;margin-bottom:12px}

/* Improved step numbers */
.stp-n{background:linear-gradient(135deg,var(--blue-soft),var(--white));transition:all .3s}
.stp:hover .stp-n{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(26,111,239,.35);transform:scale(1.08)}

/* Feature icon hover */
.feat-ico{transition:all .3s cubic-bezier(.22,1,.36,1)}
.feat:hover .feat-ico{background:var(--blue);color:#fff;transform:scale(1.1) rotate(-5deg);box-shadow:0 4px 14px rgba(26,111,239,.3)}

/* Form field improvements */
.form-group input:focus,.form-group select:focus,.form-group textarea:focus,.calc-field input:focus,.calc-field select:focus{background:#fff;transform:none}
.form-group input,.form-group select,.form-group textarea{transition:border-color .2s,box-shadow .2s}

/* Improved stats */
.stats-row strong{background:linear-gradient(135deg,#fff,rgba(255,255,255,.8));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* Scroll progress bar */
.scroll-progress{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,var(--blue),#60a5fa);z-index:9999;width:0%;transition:width .1s linear}

/* Button loading state */
.btn.loading{pointer-events:none;opacity:.7}

/* Improved footer bottom */
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:20px 0;display:flex;justify-content:space-between;align-items:center;font-size:12px;color:rgba(255,255,255,.35)}
.footer-bottom-links{display:flex;gap:16px;flex-wrap:wrap}
.footer-bottom-links a{color:rgba(255,255,255,.4);transition:color .2s;font-size:12px}
.footer-bottom-links a:hover{color:#fff}

/* Disclaimer improvements */
.disclaimer{background:var(--gray-50);border-top:3px solid var(--gray-200);padding:24px 0;font-size:11.5px;color:var(--gray-400);line-height:1.75}

/* Trust strip item hover */
.trust-item{transition:color .2s}
.trust-item:hover{color:var(--blue)}

/* Loan widget improvement */
.loan-widget{box-shadow:0 30px 60px rgba(0,0,0,.22),0 0 0 1px rgba(255,255,255,.05)}
.loan-opt{transition:all .2s cubic-bezier(.22,1,.36,1)}
.loan-opt:hover{transform:translateY(-1px);box-shadow:var(--shadow-sm)}
.loan-opt.active{box-shadow:0 0 0 2px var(--blue),var(--shadow-sm)}

/* ===================== RESPONSIVE ADDITIONS ===================== */
@media(max-width:768px){
  .mobile-sticky-cta{display:flex}
  .back-to-top{bottom:80px;right:16px;width:40px;height:40px}
  .legal-meta-inner{grid-template-columns:repeat(2,1fr)}
  .toc-list{columns:1}
  .loan-table{font-size:12px}
  .loan-table th,.loan-table td{padding:9px 12px}
  .contact-info-grid{grid-template-columns:1fr}
}
@media(min-width:769px){
  .mobile-sticky-cta{display:none!important}
}

/* ===================== RESPONSIVE ===================== */
@media(max-width:1024px){
  .hero .container{grid-template-columns:1fr;min-height:auto;padding-top:48px;padding-bottom:48px}
  .loan-widget{max-width:480px}
  .hero-text h1{font-size:36px}
  .products{grid-template-columns:repeat(2,1fr)}
  .feats{grid-template-columns:repeat(2,1fr)}
  .rates-grid{grid-template-columns:repeat(3,1fr)}
  .stats-row{grid-template-columns:repeat(2,1fr);gap:16px}
  .testi-grid{grid-template-columns:repeat(2,1fr)}
  .split,.showcase{grid-template-columns:1fr;gap:32px}
  .split.flip,.showcase.flip{direction:ltr}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .steps-row{grid-template-columns:repeat(2,1fr);gap:24px}
  .steps-row::before{display:none}
  .vals{grid-template-columns:repeat(2,1fr)}
  .team-row{grid-template-columns:repeat(2,1fr)}
  .contact-layout{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .topbar{display:none}
  .hamburger{display:block}
  .header-row{height:60px}
  .nav-actions{display:none}
  nav.main-nav{position:fixed;top:60px;left:0;right:0;bottom:0;background:#fff;padding:20px;transform:translateX(100%);transition:transform .3s;z-index:99;overflow-y:auto}
  nav.main-nav.active{transform:translateX(0)}
  nav.main-nav ul{flex-direction:column;gap:0}
  nav.main-nav a{display:block;padding:12px 0;border-bottom:1px solid var(--gray-100);border-radius:0;font-size:15px}
  .nav-m-action{display:block}
  .nav-m-action a{border-bottom:none}
  .nav-m-apply{display:block;text-align:center;background:var(--blue);color:#fff!important;font-weight:600;font-size:15px;padding:13px;border-radius:8px;margin-top:16px;border-bottom:none!important}
  .nav-m-apply:hover{background:var(--blue-d)}
  .hero-text h1{font-size:30px}
  .hero-text p{font-size:15px}
  .loan-widget{padding:24px}
  .loan-options{grid-template-columns:repeat(3,1fr);gap:8px}
  .section{padding:56px 0}
  .s-head h2{font-size:26px}
  .products{grid-template-columns:1fr}
  .feats{grid-template-columns:1fr}
  .testi-grid{grid-template-columns:1fr}
  .steps-row{grid-template-columns:1fr}
  .vals{grid-template-columns:1fr}
  .team-row{grid-template-columns:1fr}
  .rates-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:24px}
  .form-row{grid-template-columns:1fr}
  .pg-hero h1{font-size:28px}
  .cta-band h2{font-size:24px}
  .stats-row strong{font-size:30px}
  .showcase-img img,.split-img img{height:260px}
  .contact-box{padding:24px}
  .hero-btns{flex-direction:column}
  .hero-btns .btn{width:100%;justify-content:center}
  .footer-bottom{flex-direction:column;gap:8px;text-align:center}
  .calc-grid{grid-template-columns:1fr}
  .calc-result .est-amount{font-size:32px}
}

/* ===================== HERO V2 ENHANCEMENTS ===================== */
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(26,111,239,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(26,111,239,.05) 1px,transparent 1px);background-size:44px 44px;z-index:1;pointer-events:none}
.hero::after{z-index:2}
.hero .container{z-index:3}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(26,111,239,.18);border:1px solid rgba(26,111,239,.35);border-radius:100px;padding:6px 16px;font-size:12.5px;font-weight:600;color:rgba(255,255,255,.9);margin-bottom:18px;letter-spacing:.3px}
.hero-badge .live-dot{width:7px;height:7px;border-radius:50%;background:#4ade80;flex-shrink:0;animation:livepulse 2s ease infinite}
@keyframes livepulse{0%,100%{opacity:1;box-shadow:0 0 0 0 rgba(74,222,128,.4)}50%{opacity:.7;box-shadow:0 0 0 5px rgba(74,222,128,0)}}
.hero-ratings{display:flex;gap:18px;flex-wrap:wrap;margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1)}
.hero-rating-item{display:flex;align-items:center;gap:10px}
.hero-rating-icon{width:34px;height:34px;border-radius:8px;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;color:#fff;flex-shrink:0;letter-spacing:-.3px;border:1px solid rgba(255,255,255,.12)}
.hero-rating-stars{display:flex;gap:1px;margin-bottom:2px}
.hero-rating-stars svg{width:12px;height:12px;fill:#fbbf24}
.hero-rating-text strong{display:block;font-size:13px;color:#fff;font-weight:700;line-height:1.2}
.hero-rating-text span{font-size:11px;color:rgba(255,255,255,.5);line-height:1}

/* ===================== RATINGS STRIP ===================== */
.ratings-strip{background:#fff;border-bottom:1px solid var(--gray-100);padding:14px 0}
.ratings-inner{display:flex;justify-content:center;gap:0;align-items:stretch;flex-wrap:wrap}
.rating-badge{display:flex;align-items:center;gap:12px;padding:8px 28px;border-right:1px solid var(--gray-100);transition:background .2s}
.rating-badge:last-child{border-right:none}
.rating-badge:hover{background:var(--gray-50)}
.rating-badge-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-weight:800;font-size:10px;letter-spacing:-.3px;color:#fff}
.rating-badge-icon.bbb{background:linear-gradient(135deg,#005eb8,#003a7a);font-size:13px;font-weight:900}
.rating-badge-icon.tp{background:#00b67a;font-size:13px;font-weight:900}
.rating-badge-icon.nmls{background:linear-gradient(135deg,var(--navy),var(--dark));font-size:9px;font-weight:700;letter-spacing:0;text-align:center;line-height:1.2}
.rating-badge-icon.ehl{background:linear-gradient(135deg,#1a6fef,#0d9488);font-size:9px;font-weight:700;text-align:center;line-height:1.2}
.rating-badge-stars{display:flex;gap:1px;margin-bottom:2px}
.rating-badge-stars svg{width:13px;height:13px;fill:#fbbf24}
.rating-badge-text strong{display:block;font-size:13px;font-weight:700;color:var(--navy);line-height:1.2}
.rating-badge-text span{font-size:11px;color:var(--gray-400)}
@media(max-width:768px){.ratings-strip{display:none}}
@media(max-width:1024px){.rating-badge{padding:8px 16px}}

/* ===================== PRODUCT CARD TAGS ===================== */
.prod-tag{display:inline-block;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;padding:3px 10px;border-radius:4px;margin-bottom:10px}
.prod-tag-blue{background:var(--blue-soft);color:var(--blue)}
.prod-tag-green{background:#dcfce7;color:#15803d}
.prod-tag-gold{background:#fffbeb;color:#92400e}
.prod-tag-teal{background:#ccfbf1;color:#0f766e}
.prod-tag-purple{background:#f3e8ff;color:#7e22ce}

/* ===================== TESTIMONIAL ENHANCEMENTS ===================== */
.testi-quote{color:var(--blue);opacity:.15;margin-bottom:4px;line-height:1}
.testi-quote svg{width:42px;height:42px}
.testi-verified{display:inline-flex;align-items:center;gap:4px;font-size:11px;font-weight:600;color:var(--green);margin-top:8px;background:var(--green-soft);padding:3px 8px;border-radius:20px}
.testi-verified svg{width:12px;height:12px}
.testi-loan-type{font-size:11px;font-weight:600;color:var(--blue);background:var(--blue-soft);padding:2px 8px;border-radius:20px;margin-left:6px;vertical-align:middle}

/* ===================== WHY CHOOSE US — FEATURES UPGRADE ===================== */
.feat-v2{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius-lg);padding:28px 24px;transition:all .3s cubic-bezier(.22,1,.36,1)}
.feat-v2:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(26,111,239,.12);transform:translateY(-3px)}
.feat-v2 .feat-ico{position:static;margin-bottom:14px;width:44px;height:44px;border-radius:12px}
.feat-v2 h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:4px}
.feat-v2 p{font-size:13.5px;color:var(--gray-500);line-height:1.6}
.feat-v2-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:1024px){.feat-v2-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.feat-v2-grid{grid-template-columns:1fr}}

/* ===================== PROCESS STEPS UPGRADE ===================== */
.steps-v2{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps-v2::after{content:'';position:absolute;top:22px;left:12.5%;right:12.5%;height:2px;background:linear-gradient(90deg,var(--blue),rgba(26,111,239,.3));z-index:0}
.step-v2{text-align:center;position:relative;z-index:1;padding:0 12px}
.step-v2-num{width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;font-size:16px;font-weight:800;box-shadow:0 4px 14px rgba(26,111,239,.35);transition:all .3s}
.step-v2:hover .step-v2-num{transform:scale(1.12);box-shadow:0 6px 20px rgba(26,111,239,.45)}
.step-v2 h3{font-size:14.5px;font-weight:700;color:var(--navy);margin-bottom:5px}
.step-v2 p{font-size:12.5px;color:var(--gray-500);line-height:1.55}
.step-v2-icon{width:20px;height:20px;color:rgba(255,255,255,.85);margin:0 auto}
@media(max-width:768px){.steps-v2{grid-template-columns:repeat(2,1fr);gap:24px}.steps-v2::after{display:none}}

/* ===================== MEDIA/TRUST LOGOS STRIP ===================== */
.media-strip{padding:28px 0;background:var(--gray-50);border-top:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100)}
.media-strip-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--gray-400);text-align:center;margin-bottom:20px}
.media-logos{display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}
.media-logo{font-size:15px;font-weight:800;color:var(--gray-300);letter-spacing:-.5px;transition:color .2s;white-space:nowrap;font-style:normal}
.media-logo em{font-style:normal}
.media-logo:hover{color:var(--gray-400)}
@media(max-width:768px){.media-logos{gap:24px}.media-logo{font-size:13px}}

/* ===================== LEGAL SIDEBAR LAYOUT ===================== */
.legal-layout{display:grid;grid-template-columns:272px 1fr;gap:40px;align-items:start}
.legal-sidebar{position:sticky;top:84px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm)}
.legal-sidebar-header{background:var(--navy);padding:16px 20px;display:flex;align-items:center;gap:10px}
.legal-sidebar-header svg{width:16px;height:16px;color:rgba(255,255,255,.6);flex-shrink:0}
.legal-sidebar-header h3{font-size:12px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:1.2px;margin:0}
.legal-sidebar-toc{padding:6px 0;max-height:calc(100vh - 260px);overflow-y:auto}
.legal-sidebar-toc::-webkit-scrollbar{width:3px}
.legal-sidebar-toc::-webkit-scrollbar-track{background:transparent}
.legal-sidebar-toc::-webkit-scrollbar-thumb{background:var(--gray-200);border-radius:2px}
.legal-sidebar-toc a{display:flex;align-items:baseline;gap:8px;padding:8px 20px;font-size:12.5px;color:var(--gray-500);font-weight:500;border-left:3px solid transparent;transition:all .2s;line-height:1.4}
.legal-sidebar-toc a:hover{color:var(--blue);border-left-color:rgba(26,111,239,.4);background:rgba(26,111,239,.04)}
.legal-sidebar-toc a.active{color:var(--blue);border-left-color:var(--blue);background:rgba(26,111,239,.06);font-weight:600}
.toc-n{font-size:10.5px;font-weight:700;color:var(--blue);min-width:18px;opacity:.7}
.legal-sidebar-actions{padding:14px;border-top:1px solid var(--gray-100);display:flex;flex-direction:column;gap:8px}
.legal-sidebar-btn{display:flex;align-items:center;gap:8px;padding:9px 14px;border-radius:var(--radius);font-size:12.5px;font-weight:600;cursor:pointer;transition:all .2s;border:1px solid var(--gray-200);background:var(--gray-50);color:var(--gray-600);width:100%;text-align:left;font-family:inherit}
.legal-sidebar-btn:hover{background:var(--blue-soft);border-color:var(--blue);color:var(--blue)}
.legal-sidebar-btn svg{width:14px;height:14px;flex-shrink:0}

/* Legal content column */
.legal-content{min-width:0}
.legal-content .legal-meta{margin-bottom:28px}
.legal-updated-badge{display:inline-flex;align-items:center;gap:6px;background:#fffbeb;border:1px solid #fde68a;border-radius:20px;padding:5px 14px;font-size:12px;font-weight:600;color:#92400e;margin-bottom:20px}
.legal-updated-badge svg{width:13px;height:13px;flex-shrink:0}

/* Section heading with number circle */
.legal-section-id{display:flex;align-items:center;gap:10px;margin-bottom:16px;padding-bottom:10px;border-bottom:2px solid var(--gray-100)}
.legal-section-num-badge{display:inline-flex;align-items:center;justify-content:center;min-width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-size:12px;font-weight:800;flex-shrink:0}
.legal-section h2{font-size:20px;font-weight:800;color:var(--navy);margin:0;border:none;padding:0;display:inline}
.legal-section h3{font-size:15px;font-weight:700;color:var(--navy);margin:20px 0 8px;padding-left:0}

/* Responsive legal layout */
@media(max-width:1024px){
  .legal-layout{grid-template-columns:1fr}
  .legal-sidebar{display:none}
}

/* ===================== PRINT STYLES ===================== */
@media print{
  .topbar,.header,.mobile-sticky-cta,.back-to-top,.scroll-progress,.cta-band,footer,.footer,.disclaimer,.legal-sidebar,.legal-actions,.ratings-strip{display:none!important}
  .legal-layout{grid-template-columns:1fr!important}
  .legal-section{page-break-inside:avoid}
  body{font-size:12px;color:#000}
  .legal-body{font-size:12px}
  a{color:inherit!important}
}

/* ===================== PAGE HERO V2 ===================== */
.pg-hero-v2{background:var(--navy);padding:52px 0 56px;position:relative;overflow:hidden}
.pg-hero-v2::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(26,111,239,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(26,111,239,.08) 1px,transparent 1px);background-size:32px 32px;pointer-events:none}
.pg-hero-v2 .container{position:relative;z-index:1}
.pg-hero-v2-inner{display:flex;align-items:center;justify-content:space-between;gap:40px}
.pg-hero-v2-text h1{font-size:36px;font-weight:800;color:#fff;margin-bottom:8px;line-height:1.15}
.pg-hero-v2-text p{font-size:15px;color:rgba(255,255,255,.6);margin-bottom:0;line-height:1.6}
.pg-hero-v2-badges{display:flex;gap:8px;flex-wrap:wrap}
.pg-hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:8px;padding:8px 14px;font-size:12px;font-weight:600;color:rgba(255,255,255,.8);white-space:nowrap}
.pg-hero-badge svg{width:14px;height:14px;color:rgba(255,255,255,.5);flex-shrink:0}
@media(max-width:768px){.pg-hero-v2-inner{flex-direction:column;align-items:flex-start}.pg-hero-v2-text h1{font-size:26px}.pg-hero-v2-badges{display:none}}

/* ===================== ABOUT / STORY ENHANCEMENTS ===================== */
.timeline{position:relative;padding-left:28px}
.timeline::before{content:'';position:absolute;left:7px;top:6px;bottom:6px;width:2px;background:linear-gradient(to bottom,var(--blue),rgba(26,111,239,.1))}
.timeline-item{position:relative;margin-bottom:28px}
.timeline-dot{position:absolute;left:-28px;top:4px;width:16px;height:16px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 0 0 2px var(--blue)}
.timeline-year{font-size:11px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:1px;margin-bottom:3px}
.timeline-title{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:3px}
.timeline-desc{font-size:13.5px;color:var(--gray-500);line-height:1.55}

/* ===================== RATE CARDS UPGRADE ===================== */
.rate-card{position:relative;overflow:hidden}
.rate-card::before{content:'';position:absolute;top:-20px;right:-20px;width:80px;height:80px;border-radius:50%;background:rgba(255,255,255,.04);pointer-events:none}
.rate-card-change{display:inline-flex;align-items:center;gap:4px;font-size:11px;font-weight:600;color:#4ade80;background:rgba(74,222,128,.12);padding:3px 8px;border-radius:20px;margin-top:8px}
.rate-card-change.up{color:#f87171;background:rgba(248,113,113,.12)}

/* ===================== CALCULATOR UPGRADE ===================== */
.calc-breakdown{display:flex;gap:12px;margin-top:12px}
.calc-breakdown-item{flex:1;background:rgba(255,255,255,.7);border-radius:8px;padding:10px 12px;text-align:center}
.calc-breakdown-item span{display:block;font-size:10.5px;color:var(--gray-500);margin-bottom:2px;font-weight:500}
.calc-breakdown-item strong{font-size:15px;font-weight:700;color:var(--navy)}

/* ===================== STICKY APPLY BUTTON (DESKTOP) ===================== */
.floating-apply{display:none;position:fixed;bottom:32px;right:32px;z-index:150}
@media(min-width:769px){
  .floating-apply{display:flex;flex-direction:column;align-items:flex-end;gap:8px}
  .floating-apply-btn{display:flex;align-items:center;gap:8px;background:var(--blue);color:#fff;font-weight:700;font-size:14px;padding:14px 22px;border-radius:50px;box-shadow:0 6px 24px rgba(26,111,239,.4);transition:all .3s;border:none;cursor:pointer;font-family:inherit;text-decoration:none}
  .floating-apply-btn:hover{background:var(--blue-d);box-shadow:0 8px 32px rgba(26,111,239,.5);transform:translateY(-2px)}
  .floating-apply-btn svg{width:16px;height:16px}
  .floating-apply-sub{font-size:11px;color:rgba(255,255,255,.8);margin-top:-4px;margin-right:4px;font-weight:500}
  .floating-apply.hidden{opacity:0;pointer-events:none;transform:translateY(10px)}
  .floating-apply{opacity:0;transition:opacity .3s,transform .3s;transform:translateY(10px)}
  .floating-apply.show{opacity:1;transform:translateY(0)}
}

/* ===================== IMPROVED FOOTER ===================== */
.footer-divider{height:1px;background:rgba(255,255,255,.06);margin:0 0 32px}
.footer-compliance{display:flex;align-items:center;gap:16px;padding:16px 0;border-top:1px solid rgba(255,255,255,.06);flex-wrap:wrap}
.footer-compliance-badge{display:flex;align-items:center;gap:6px;font-size:11px;font-weight:600;color:rgba(255,255,255,.4);border:1px solid rgba(255,255,255,.1);border-radius:6px;padding:5px 10px;background:rgba(255,255,255,.04)}
.footer-compliance-badge svg{width:13px;height:13px;flex-shrink:0}

/* ===================== PRODUCTION POLISH v6 ===================== */

/* ── Accessibility: skip-to-main ── */
.skip-to-main{position:absolute;top:-56px;left:16px;background:var(--blue);color:#fff;padding:10px 20px;z-index:10000;border-radius:0 0 8px 8px;font-weight:700;font-size:14px;transition:top .2s;box-shadow:0 4px 12px rgba(26,111,239,.4)}
.skip-to-main:focus{top:0}

/* ── Better body rendering ── */
body{text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
img{image-rendering:auto}

/* ── Hero: richer overlay gradient ── */
.hero::after{background:linear-gradient(105deg,rgba(12,26,46,.97) 0%,rgba(12,26,46,.90) 42%,rgba(12,26,46,.52) 100%)}

/* ── Hero: ambient glow orb ── */
.hero .container::before{content:'';position:absolute;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(26,111,239,.14) 0%,transparent 70%);top:-60px;right:80px;pointer-events:none;z-index:0}

/* ── Hero text: bigger, punchier ── */
.hero-text h1{font-size:46px;letter-spacing:-.5px}
@media(max-width:768px){.hero-text h1{font-size:32px}}

/* ── Loan widget: glass morphism ── */
.loan-widget{background:rgba(255,255,255,.98);backdrop-filter:blur(16px) saturate(180%);-webkit-backdrop-filter:blur(16px) saturate(180%);border:1px solid rgba(255,255,255,.6)}

/* ── Loan option: better active + hover ── */
.loan-opt{background:#fff}
.loan-opt:hover{border-color:var(--blue);background:var(--blue-soft);transform:translateY(-2px);box-shadow:0 4px 12px rgba(26,111,239,.12)}
.loan-opt.active{border-color:var(--blue);background:var(--blue-soft);color:var(--blue);box-shadow:0 0 0 2px var(--blue),0 4px 12px rgba(26,111,239,.15)}

/* ── Section: slightly richer alt bg ── */
.section-alt{background:linear-gradient(180deg,var(--gray-50) 0%,#fff 100%)}

/* ── Rate cards: premium glass ── */
.rate-card{background:linear-gradient(135deg,rgba(255,255,255,.1) 0%,rgba(255,255,255,.04) 100%);border-color:rgba(255,255,255,.1)}
.rate-card:hover{background:linear-gradient(135deg,rgba(255,255,255,.14) 0%,rgba(255,255,255,.08) 100%);border-color:rgba(255,255,255,.2);transform:translateY(-2px)}
.rate-card .rate-num{font-size:38px}

/* ── Product cards: richer hover ── */
.prod{border-radius:var(--radius-lg);overflow:hidden}
.prod:hover{transform:translateY(-5px);box-shadow:0 20px 48px rgba(0,0,0,.13);border-color:var(--blue)}
.prod-img{position:relative;overflow:hidden}
.prod-img::after{content:'';position:absolute;inset:0;background:linear-gradient(to bottom,transparent 55%,rgba(12,26,46,.18) 100%);pointer-events:none}
.prod-img img{transition:transform .6s cubic-bezier(.22,1,.36,1)}
.prod:hover .prod-img img{transform:scale(1.06)}

/* ── Feature v2 cards: accent hover line ── */
.feat-v2{border-bottom:3px solid transparent;transition:all .3s cubic-bezier(.22,1,.36,1)}
.feat-v2:hover{border-bottom-color:var(--blue);transform:translateY(-4px);box-shadow:0 12px 32px rgba(26,111,239,.1)}

/* ── Testimonial cards: quote mark accent ── */
.testi{background:linear-gradient(145deg,#fff 85%,var(--blue-soft) 100%)}
.testi:hover{background:#fff;box-shadow:0 16px 40px rgba(0,0,0,.1);border-color:rgba(26,111,239,.2)}
.testi blockquote{font-size:15px;font-style:italic;color:var(--gray-600)}

/* ── Stats band: bigger numbers ── */
.stats-row strong{font-size:44px;letter-spacing:-1px}
@media(max-width:768px){.stats-row strong{font-size:34px}}

/* ── CTA Band: richer overlay ── */
.cta-band-bg::after{background:linear-gradient(135deg,rgba(26,111,239,.95) 0%,rgba(12,26,46,.93) 100%)}
.cta-band h2{font-size:34px;letter-spacing:-.3px}

/* ── Page hero: cleaner ── */
.pg-hero::after{background:linear-gradient(to bottom,rgba(12,26,46,.88) 0%,rgba(12,26,46,.75) 100%)}
.pg-hero h1{font-size:40px;letter-spacing:-.3px}

/* ── Breadcrumb: better visibility ── */
.crumb{margin-top:16px;font-size:13px;display:flex;align-items:center;gap:6px;justify-content:center;color:rgba(255,255,255,.5)}
.crumb a{color:rgba(255,255,255,.65);transition:color .2s}
.crumb a:hover{color:#fff}
.crumb::before{display:none}

/* ── Section headings: bigger on desktop ── */
.s-head h2{font-size:36px}
@media(max-width:768px){.s-head h2{font-size:27px}}

/* ── Check-list: smoother bullets ── */
.check-list li::before{background:linear-gradient(135deg,var(--blue),#60a5fa)}

/* ── Buttons: premium CTA ── */
.btn-primary{background:linear-gradient(135deg,var(--blue) 0%,#2c82ff 100%);box-shadow:0 2px 8px rgba(26,111,239,.25)}
.btn-primary:hover{background:linear-gradient(135deg,var(--blue-d) 0%,var(--blue) 100%);box-shadow:0 6px 20px rgba(26,111,239,.38);transform:translateY(-1px)}
.btn-primary:active{transform:translateY(0);box-shadow:0 2px 8px rgba(26,111,239,.2)}
.btn-white:hover{background:rgba(255,255,255,.92);transform:translateY(-1px)}
.btn-outline:hover{transform:translateY(-1px)}

/* ── Nav: active underline indicator ── */
nav.main-nav a{position:relative}
nav.main-nav a.active::after{content:'';position:absolute;bottom:-2px;left:8px;right:8px;height:2px;background:var(--blue);border-radius:1px}

/* ── Trust strip: animated icons ── */
.trust-item{transition:all .2s}
.trust-item:hover{color:var(--blue);transform:translateY(-1px)}
.trust-item svg{transition:transform .2s}
.trust-item:hover svg{transform:scale(1.15)}

/* ── Topbar: slightly taller at desktop ── */
.topbar{height:38px}
.topbar a{transition:color .15s,opacity .15s}
.topbar a:hover{color:#fff;opacity:1}

/* ── Header: scroll shadow ── */
.header.scrolled{box-shadow:0 4px 24px rgba(0,0,0,.08);border-color:transparent}

/* ── Footer: better column spacing ── */
.footer-col a:hover{color:rgba(255,255,255,.9);padding-left:4px}
.footer-social a{transition:all .25s cubic-bezier(.22,1,.36,1)}
.footer-social a:hover{background:var(--blue);transform:translateY(-2px);box-shadow:0 4px 12px rgba(26,111,239,.35)}

/* ── Scroll progress: 2px refined ── */
.scroll-progress{height:2px;background:linear-gradient(90deg,var(--blue),#60a5fa,var(--teal),var(--blue));background-size:200% 100%;animation:progress-gradient 3s linear infinite paused}
.scroll-progress.active{animation-play-state:running}
@keyframes progress-gradient{0%{background-position:0% 50%}100%{background-position:200% 50%}}

/* ── Back to top: better position ── */
.back-to-top{bottom:96px}
@media(min-width:769px){.back-to-top{bottom:100px;right:28px}}

/* ── Floating apply: subtle entrance ── */
.floating-apply-btn{letter-spacing:.2px;box-shadow:0 8px 28px rgba(26,111,239,.45)}
.floating-apply-btn:hover{box-shadow:0 12px 36px rgba(26,111,239,.55)}

/* ── Mobile sticky: glass bar ── */
.mobile-sticky-cta{background:rgba(255,255,255,.97);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);box-shadow:0 -4px 24px rgba(0,0,0,.1)}

/* ── FAQ: open state highlight ── */
.faq-item.open{border-color:rgba(26,111,239,.25);background:rgba(26,111,239,.02)}

/* ── Values cards: accent on hover ── */
.val:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(26,111,239,.1);transform:translateY(-2px)}

/* ── Step icons: smooth pulse ── */
.step-v2-num{box-shadow:0 4px 16px rgba(26,111,239,.3)}
.step-v2:hover .step-v2-num{box-shadow:0 8px 24px rgba(26,111,239,.45);transform:scale(1.1) rotate(-3deg)}

/* ── Media strip: hover lift ── */
.media-logo{cursor:default;transition:all .2s}
.media-logo:hover{color:var(--gray-500);transform:translateY(-1px)}

/* ── Legal pages: sidebar smooth scroll ── */
.legal-sidebar-toc{scroll-behavior:smooth}

/* ── Global: smoother focus rings ── */
:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:4px}
button:focus-visible,a:focus-visible{outline:2px solid var(--blue);outline-offset:3px}

/* ── Section spacing: consistent rhythm ── */
.section{padding:92px 0}
@media(max-width:768px){.section{padding:60px 0}}

/* ── Image rendering ── */
.hero-bg img,.stats-band-bg img,.cta-band-bg img{will-change:transform}

/* ── Showcase: richer hover ── */
.showcase:hover .showcase-img img{transform:scale(1.04)}
.showcase-img{transition:box-shadow .3s}
.showcase:hover .showcase-img{box-shadow:0 20px 48px rgba(0,0,0,.13)}

/* ── Contact form: better focus ── */
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(26,111,239,.1)}

/* ── Team cards: portrait hover ── */
.team-m:hover{box-shadow:0 16px 40px rgba(0,0,0,.12);border-color:rgba(26,111,239,.2)}
.team-m:hover .team-m-img img{transform:scale(1.04)}

/* ── Ratings strip: cleaner look ── */
.rating-badge-text strong{font-size:13.5px}

/* ── Disclaimer: better readability ── */
.disclaimer{font-size:11.5px;color:var(--gray-500);line-height:1.75}

/* ── s-label pill: richer ── */
.s-label{background:linear-gradient(135deg,var(--blue-soft),rgba(26,111,239,.08));border:1px solid rgba(26,111,239,.12)}

/* ── Nav mobile slide: overlay glass ── */
@media(max-width:768px){
  nav.main-nav{background:rgba(255,255,255,.99);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px)}
}

/* ── Print: clean output ── */
@media print{
  .hero-grid,.live-dot,.scroll-progress,.floating-apply,.back-to-top{display:none!important}
  .hero-text h1{color:#000!important;-webkit-text-fill-color:#000!important}
}

/* ===================== IMAGE LOADING PLACEHOLDERS ===================== */

/* Shimmer animation for image containers while src loads */
@keyframes img-shimmer{
  0%{background-position:-600px 0}
  100%{background-position:600px 0}
}

/* Product card image slots */
.prod-img{
  background:linear-gradient(90deg,var(--gray-100) 25%,var(--gray-200) 50%,var(--gray-100) 75%);
  background-size:600px 100%;
  animation:img-shimmer 1.4s ease-in-out infinite;
}
.prod-img img{
  position:relative;z-index:1;
  background:transparent;
  display:block;width:100%;height:100%;object-fit:cover;
}

/* Team member portraits */
.team-m-img{
  background:linear-gradient(90deg,var(--gray-100) 25%,var(--gray-200) 50%,var(--gray-100) 75%);
  background-size:600px 100%;
  animation:img-shimmer 1.4s ease-in-out infinite;
}

/* Testimonial avatars — circle placeholder */
.testi-who img{
  background:var(--gray-200);
  min-width:40px;min-height:40px;
}

/* Showcase & split images */
.showcase-img,.split-img{
  background:var(--gray-100);
}

/* Hero & band backgrounds — dark fallback */
.hero-bg,.stats-band-bg,.pg-hero-bg,.cta-band-bg{
  background:var(--navy);
}