[hidden] { display: none !important; }
:root {
  --navy: #0E2342;
  --navy-2: #16305A;
  --navy-deep: #091629;
  --gold: #B8893B;
  --gold-soft: #E9D9B8;
  --paper: #FFFFFF;
  --mist: #F4F6F9;
  --ink: #0D1B2E;
  --muted: #5A6779;
  --line: #DFE4EB;
  --line-dark: rgba(255,255,255,.14);
  --danger: #A8322B;
  --ok: #1F7A4D;
  --serif: "Newsreader", Georgia, serif;
  --sans: "IBM Plex Sans", system-ui, sans-serif;
  --ivy: var(--navy); --ivy-deep: var(--navy-deep); --limestone: var(--mist); --brass: var(--gold);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; font: 400 1rem/1.65 var(--sans); color: var(--ink); background: var(--paper); -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 2px; }
.wrap { width: min(1160px, 100% - 40px); margin-inline: auto; }
@media (max-width: 480px) { .wrap { width: calc(100% - 32px); } }

/* Header */
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 44px; height: auto; }
.brand span { font: 500 1.32rem/1 var(--serif); letter-spacing: -0.01em; color: var(--navy); }
.brand small { display: block; font: 500 0.68rem/1.4 var(--sans); letter-spacing: 0.08em; color: var(--muted); margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 30px; font-size: 0.92rem; }
.nav a { text-decoration: none; }
.nav a:not(.btn) { color: var(--ink); }
.nav a:not(.btn):hover { color: var(--gold); }
@media (max-width: 820px) { .nav a:not(.btn) { display: none; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 500 0.95rem/1 var(--sans); padding: 14px 22px; border-radius: 4px; border: 1px solid transparent; text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); }
.btn-outline { border-color: #B9C2CF; background: transparent; color: var(--ink); }
.btn-outline:hover { border-color: var(--navy); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: #A57A31; }
.btn-light { border-color: rgba(255,255,255,.4); color: #fff; background: transparent; }
.btn-light:hover { border-color: #fff; }
.btn[disabled] { opacity: .55; cursor: wait; }
.btn-sm { padding: 10px 16px; font-size: 0.88rem; }

/* Type */
h1, h2, h3 { font-family: var(--serif); font-weight: 400; color: var(--navy); letter-spacing: -0.015em; }
h1 { font-size: clamp(2.5rem, 5.4vw, 4.25rem); line-height: 1.04; margin: 0 0 22px; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.75rem); line-height: 1.1; margin: 0 0 16px; }
h3 { font-size: 1.35rem; line-height: 1.25; margin: 0 0 8px; }
.kicker { display: flex; align-items: center; gap: 10px; font-size: 0.85rem; font-weight: 500; color: var(--gold); margin: 0 0 18px; }
.kicker::before { content: ""; width: 28px; height: 1px; background: var(--gold); }
.lede { font-size: 1.12rem; color: var(--muted); max-width: 54ch; margin: 0; }

/* Hero */
.hero { padding: 88px 0 96px; background: linear-gradient(180deg, var(--mist) 0%, var(--paper) 100%); border-bottom: 1px solid var(--line); }
.hero-grid { display: grid; grid-template-columns: 1.08fr 0.92fr; gap: 64px; align-items: center; }
.hero .lede { margin-bottom: 34px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-note { margin: 18px 0 0; font-size: 0.86rem; color: var(--muted); }
@media (max-width: 920px) { .hero { padding: 56px 0 64px; } .hero-grid { grid-template-columns: 1fr; gap: 48px; } }

.offer { background: var(--paper); border: 1px solid var(--line); border-radius: 10px; box-shadow: 0 1px 0 rgba(14,35,66,.04), 0 24px 48px -24px rgba(14,35,66,.22); overflow: hidden; }
.offer-head { display: flex; justify-content: space-between; align-items: center; padding: 18px 24px; border-bottom: 1px solid var(--line); }
.offer-head strong { font: 500 1.05rem var(--serif); color: var(--navy); }
.tag { font-size: 0.75rem; font-weight: 500; color: var(--muted); border: 1px solid var(--line); border-radius: 999px; padding: 3px 10px; }
.offer-amount { padding: 26px 24px 8px; }
.offer-amount span { display: block; font-size: 0.85rem; color: var(--muted); }
.offer-amount b { display: block; font: 400 3rem/1.1 var(--serif); color: var(--navy); letter-spacing: -0.02em; }
.offer-rows { padding: 10px 24px 6px; margin: 0; }
.offer-rows div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 0.93rem; }
.offer-rows div:last-child { border-bottom: 0; }
.offer-rows dt { color: var(--muted); }
.offer-rows dd { margin: 0; font-weight: 500; text-align: right; }
.offer-foot { display: flex; align-items: center; gap: 10px; padding: 16px 24px; background: var(--mist); font-size: 0.82rem; color: var(--muted); }
.offer-foot svg { flex: none; color: var(--ok); }

/* Facts strip */
.facts-strip { border-bottom: 1px solid var(--line); }
.facts-strip .wrap { display: grid; grid-template-columns: repeat(3, 1fr); }
.facts-strip div { padding: 30px 28px; border-left: 1px solid var(--line); }
.facts-strip div:first-child { border-left: 0; padding-left: 0; }
.facts-strip b { display: block; font: 400 1.2rem/1.3 var(--serif); color: var(--navy); margin-bottom: 4px; }
.facts-strip span { font-size: 0.92rem; color: var(--muted); }
@media (max-width: 760px) { .facts-strip .wrap { grid-template-columns: 1fr; } .facts-strip div { border-left: 0; border-top: 1px solid var(--line); padding: 22px 0; } .facts-strip div:first-child { border-top: 0; } }

/* Sections */
.section { padding: 104px 0; }
.section-mist { background: var(--mist); }
.section-head { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: end; margin-bottom: 56px; }
.section-head h2 { margin: 0; }
.section-head .lede { justify-self: end; }
@media (max-width: 860px) { .section { padding: 72px 0; } .section-head { grid-template-columns: 1fr; gap: 16px; margin-bottom: 40px; } .section-head .lede { justify-self: start; } }

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); counter-reset: s; border-top: 1px solid var(--line); }
.steps li { counter-increment: s; padding: 32px 32px 8px 0; }
.steps li + li { padding-left: 32px; border-left: 1px solid var(--line); }
.steps li::before { content: "0" counter(s); display: block; font: 400 0.95rem var(--serif); color: var(--gold); margin-bottom: 18px; }
.steps p { margin: 0; color: var(--muted); }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } .steps li, .steps li + li { padding: 28px 0; border-left: 0; border-bottom: 1px solid var(--line); } }

.split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 72px; align-items: start; }
.split .lede { margin-bottom: 0; }
.industries { display: grid; grid-template-columns: 1fr 1fr; gap: 0 40px; margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.industries li { padding: 16px 0; border-bottom: 1px solid var(--line); }
.industries li b { display: block; font-weight: 500; }
.industries li span { color: var(--muted); font-size: 0.88rem; }
.req { margin-top: 36px; padding: 24px 26px; border: 1px solid var(--line); border-radius: 8px; background: var(--paper); }
.req h3 { font-size: 1.15rem; }
.req ul { margin: 10px 0 0; padding-left: 18px; color: var(--muted); }
.req li { margin: 4px 0; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 520px) { .industries { grid-template-columns: 1fr; } }

.flow { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.flow-card { background: var(--paper); border: 1px solid var(--line); border-radius: 8px; padding: 26px; position: relative; }
.flow-card .ico { width: 40px; height: 40px; border-radius: 50%; background: var(--mist); display: grid; place-items: center; color: var(--navy); margin-bottom: 18px; }
.flow-card p { margin: 0; color: var(--muted); font-size: 0.95rem; }
.flow-card + .flow-card::before { content: ""; position: absolute; left: -21px; top: 46px; width: 21px; height: 1px; background: var(--gold); }
.compare { margin-top: 40px; display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; background: var(--paper); }
.compare > div { padding: 24px 26px; }
.compare > div + div { border-left: 1px solid var(--line); }
.compare h4 { margin: 0 0 8px; font: 500 0.95rem var(--sans); }
.compare p { margin: 0; color: var(--muted); font-size: 0.93rem; }
@media (max-width: 860px) { .flow { grid-template-columns: 1fr; } .flow-card + .flow-card::before { display: none; } .compare { grid-template-columns: 1fr; } .compare > div + div { border-left: 0; border-top: 1px solid var(--line); } }

.secure { background: var(--navy); color: #fff; }
.secure h2 { color: #fff; }
.secure .lede { color: #B8C4D6; }
.secure .kicker { color: var(--gold-soft); }
.secure .kicker::before { background: var(--gold-soft); }
.secure-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line-dark); margin-top: 48px; }
.secure-grid div { padding: 28px 28px 0 0; }
.secure-grid div + div { padding-left: 28px; border-left: 1px solid var(--line-dark); }
.secure-grid h3 { color: #fff; font-size: 1.2rem; }
.secure-grid p { margin: 0; color: #B8C4D6; font-size: 0.95rem; }
@media (max-width: 860px) { .secure-grid { grid-template-columns: 1fr; } .secure-grid div, .secure-grid div + div { padding: 24px 0; border-left: 0; border-bottom: 1px solid var(--line-dark); } }

.faq { max-width: 820px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 22px 0; font: 400 1.2rem/1.35 var(--serif); color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: none; width: 9px; height: 9px; border-right: 1.5px solid var(--gold); border-bottom: 1.5px solid var(--gold); transform: rotate(45deg); margin-top: -4px; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.faq details p { margin: 0 0 22px; color: var(--muted); max-width: 68ch; }

.cta { background: var(--navy-deep); color: #fff; padding: 80px 0; }
.cta .wrap { display: flex; flex-wrap: wrap; gap: 32px; align-items: center; justify-content: space-between; }
.cta h2 { color: #fff; margin: 0 0 8px; }
.cta p { margin: 0; color: #B8C4D6; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #9DAAC0; border-top: 1px solid var(--line-dark); padding: 56px 0 40px; font-size: 0.9rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid var(--line-dark); }
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; text-decoration: none; }
.footer-brand img { width: 40px; }
.footer-brand span { font: 500 1.2rem var(--serif); color: #fff; }
.site-footer h4 { margin: 0 0 12px; font: 500 0.85rem var(--sans); color: #fff; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: 0 0 8px; }
.site-footer a { color: #C9D3E2; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.site-footer address { font-style: normal; }
.site-footer p { margin: 0; }
.footer-legal { padding-top: 28px; display: grid; gap: 10px; font-size: 0.82rem; line-height: 1.6; }
.footer-legal p { max-width: 100ch; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* Legal pages */
.page-head { background: var(--mist); border-bottom: 1px solid var(--line); padding: 56px 0 44px; }
.page-head h1 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); margin: 0 0 8px; }
.page-head p { margin: 0; color: var(--muted); }
.legal { padding: 48px 0 96px; }
.legal article { max-width: 72ch; }
.legal h2 { font-size: 1.6rem; margin: 40px 0 10px; }
.legal h2:first-child { margin-top: 0; }
.legal h3 { font-size: 1.15rem; margin: 24px 0 6px; }
.legal p, .legal li { color: #2E3B4E; }
.legal a { color: var(--navy); }
.legal .callout { background: var(--mist); border-left: 3px solid var(--gold); padding: 16px 20px; border-radius: 0 6px 6px 0; }

/* Application */
.apply-page { padding: 48px 0 104px; background: var(--mist); min-height: 70vh; }
.apply-head { max-width: 780px; margin: 0 auto 28px; }
.apply-head h1 { font-size: clamp(2.1rem, 4.4vw, 3rem); margin: 0 0 10px; }
.apply-head p { color: var(--muted); margin: 0; }
.progress { list-style: none; padding: 0; margin: 32px 0 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 6px; counter-reset: p; }
.progress li { counter-increment: p; font-size: 0.8rem; color: var(--muted); border-top: 3px solid var(--line); padding-top: 10px; }
.progress li::before { content: counter(p) ". "; }
.progress li.done { border-color: var(--navy); color: var(--ink); }
.progress li.current { border-color: var(--gold); color: var(--ink); font-weight: 600; }
@media (max-width: 600px) { .progress li span { display: none; } }

.app-card { max-width: 780px; margin: 0 auto; background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 40px; box-shadow: 0 18px 40px -28px rgba(14,35,66,.25); }
@media (max-width: 600px) { .app-card { padding: 22px; } }
fieldset { border: 0; padding: 0; margin: 0; }
legend { font: 400 1.75rem/1.2 var(--serif); color: var(--navy); margin-bottom: 6px; padding: 0; }
.step-note { color: var(--muted); margin: 0 0 26px; font-size: 0.95rem; }
.grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.grid .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .grid { grid-template-columns: 1fr; } }
label { display: grid; gap: 6px; font-weight: 500; font-size: 0.88rem; color: var(--ink); align-content: start; }
label .opt { font-weight: 400; color: var(--muted); }
input, select, textarea { font: 400 1rem/1.4 var(--sans); padding: 12px 14px; border: 1px solid #C5CDD8; border-radius: 4px; background: #fff; color: var(--ink); width: 100%; transition: border-color .15s, box-shadow .15s; }
input:hover, select:hover, textarea:hover { border-color: #9AA6B6; }
input:focus, select:focus, textarea:focus { border-color: var(--navy); outline: none; box-shadow: 0 0 0 3px rgba(14,35,66,.12); }
input[aria-invalid="true"], select[aria-invalid="true"] { border-color: var(--danger); }
.err { color: var(--danger); font-size: 0.82rem; font-weight: 500; margin: 0; }
.sub-legend { font: 400 1.2rem/1.2 var(--serif); color: var(--navy); margin: 18px 0 0; padding-top: 22px; border-top: 1px solid var(--line); grid-column: 1 / -1; }
#owner1 .sub-legend:first-child { border-top: 0; padding-top: 0; margin-top: 0; }
.secure-note { display: flex; gap: 10px; align-items: flex-start; font-size: 0.84rem; color: var(--muted); background: var(--mist); border-radius: 6px; padding: 12px 14px; margin-top: 22px; }
.secure-note svg { flex: none; margin-top: 2px; color: var(--ok); }
.owner-q { margin-top: 28px; padding: 18px; background: var(--mist); border-radius: 8px; display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.owner-q p { margin: 0 0 4px; width: 100%; font-weight: 500; }
.pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border: 1px solid #C5CDD8; border-radius: 999px; background: #fff; font-weight: 400; cursor: pointer; }
.pill input { width: 16px; height: 16px; margin: 0; padding: 0; accent-color: var(--navy); }
.pill:has(input:checked) { border-color: var(--navy); box-shadow: 0 0 0 1px var(--navy); }

.drop { border: 1.5px dashed #AEB9C8; border-radius: 8px; padding: 36px 24px; text-align: center; background: var(--mist); cursor: pointer; transition: border-color .15s, background .15s; }
.drop:hover, .drop.over { border-color: var(--navy); background: #EBEFF5; }
.drop strong { display: block; font: 400 1.15rem var(--serif); color: var(--navy); margin-bottom: 4px; }
.drop span { color: var(--muted); font-size: 0.88rem; }
.file-list { list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 8px; }
.file-list li { display: flex; justify-content: space-between; align-items: center; gap: 12px; border: 1px solid var(--line); border-radius: 6px; padding: 10px 14px; font-size: 0.9rem; }
.file-list button { background: none; border: 0; color: var(--danger); font: 500 0.84rem var(--sans); cursor: pointer; }

.auth-text { font-size: 0.84rem; line-height: 1.6; color: var(--muted); background: var(--mist); border: 1px solid var(--line); border-radius: 6px; padding: 16px 18px; max-height: 220px; overflow-y: auto; }
.check { display: grid; grid-template-columns: 20px 1fr; gap: 12px; align-items: start; font-weight: 400; font-size: 0.88rem; line-height: 1.55; color: var(--muted); border: 1px solid var(--line); border-radius: 6px; padding: 14px; }
.check input { width: 18px; height: 18px; margin: 2px 0 0; padding: 0; accent-color: var(--navy); }
.check a { color: var(--navy); }
.sig-wrap { display: grid; gap: 6px; }
.sig-pad { border: 1px solid #C5CDD8; border-radius: 4px; background: #fff; touch-action: none; width: 100%; height: 150px; cursor: crosshair; }
.sig-row { display: flex; justify-content: space-between; align-items: center; font-size: 0.84rem; color: var(--muted); }
.sig-row button { background: none; border: 0; color: var(--navy); font: 500 0.84rem var(--sans); cursor: pointer; text-decoration: underline; }

.nav-row { display: flex; justify-content: space-between; gap: 12px; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--line); }
.review dl { display: grid; grid-template-columns: 190px 1fr; gap: 8px 16px; margin: 0 0 20px; font-size: 0.92rem; }
.review dt { color: var(--muted); }
.review dd { margin: 0; }
.review h3 { font: 400 1.15rem var(--serif); margin: 22px 0 10px; display: flex; justify-content: space-between; }
.review h3 button { background: none; border: 0; color: var(--navy); font: 500 0.84rem var(--sans); cursor: pointer; text-decoration: underline; }
@media (max-width: 600px) { .review dl { grid-template-columns: 1fr; gap: 2px; } .review dd { margin-bottom: 8px; } }
.done-state { text-align: center; padding: 32px 0 12px; }
.done-state img { width: 84px; margin: 0 auto 22px; }
.done-state h2 { margin-bottom: 10px; }
.done-state p { color: var(--muted); max-width: 48ch; margin: 0 auto; }
.form-alert { background: #F7E4E2; color: var(--danger); border-radius: 6px; padding: 12px 14px; font-weight: 500; font-size: 0.9rem; margin-top: 18px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }