/* Archivo, self-hosted (SIL Open Font License 1.1 — see assets/fonts/LICENSE.txt).
   One variable file spans 400-900, every weight this site uses, and replaces a
   render-blocking Google Fonts stylesheet on a third-party origin. */
@font-face{font-family:'Archivo';font-style:normal;font-weight:400 900;font-stretch:100%;
  font-display:swap;src:url('/assets/fonts/archivo-latin-var.woff2') format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,
  U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

:root{
    --ink:#16213a;
    --red:#c0201f;
    --red-deep:#9e1818;
    --green:#27a149;
    --green-deep:#1d8439;
    --green-soft:#e7f5eb;
    --navy:#16284c;
    --navy-deep:#0f1d38;
    --gold:#f0a93a;
    --paper:#ffffff;
    --paper-2:#ffffff;
    --section:#f4f7fb;
    --muted:#586577;
    --line:#e6eaf1;
    --shadow:0 1px 2px rgba(22,40,76,.05), 0 14px 34px -16px rgba(22,40,76,.16);
    --shadow-lg:0 34px 64px -28px rgba(22,40,76,.32);
    --radius:18px;
    --maxw:1180px;
    --display:"Archivo",system-ui,sans-serif;
    --body:"Archivo",system-ui,sans-serif;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:var(--body);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
  h1,h2,h3,h4{font-family:var(--display);line-height:1.04;letter-spacing:-.015em;font-weight:800}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
  .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.76rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-deep)}
  .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--red)}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--display);font-weight:700;font-size:1rem;padding:15px 26px;border-radius:11px;border:0;cursor:pointer;transition:transform .18s, box-shadow .18s, background .18s;text-align:center}
  .btn-primary{background:var(--green);color:#fff;box-shadow:0 10px 22px -10px rgba(39,161,73,.7)}
  .btn-primary:hover{transform:translateY(-2px);background:var(--green-deep);box-shadow:0 16px 30px -12px rgba(39,161,73,.75)}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{transform:translateY(-2px);background:var(--navy-deep)}
  .btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
  .btn-ghost:hover{border-color:var(--green);color:var(--green-deep)}
  .btn svg{width:18px;height:18px}

  /* Header */
  header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
  header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
  .brand img{height:46px;width:auto;display:block}
  nav{display:flex;align-items:center;gap:30px}
  nav a.link{font-weight:600;font-size:.95rem;color:var(--ink);opacity:.74;transition:opacity .15s}
  nav a.link:hover{opacity:1}
  .nav-cta{display:flex;align-items:center;gap:14px}
  .nav-phone{font-family:var(--display);font-weight:800;color:var(--navy);font-size:1rem}
  .nav-cta .btn{padding:12px 20px;font-size:.94rem}
  @media(max-width:940px){nav .link{display:none}}
  @media(max-width:540px){.nav-phone{display:none}.brand img{height:38px}.nav-cta .btn{padding:11px 15px;font-size:.86rem}}

  /* Hero */
  .hero{position:relative;padding:64px 0 70px;overflow:hidden}
  .hero::before{content:"";position:absolute;inset:0;z-index:0;background:radial-gradient(760px 480px at 93% -12%, rgba(39,161,73,.08), transparent 60%),linear-gradient(180deg,#f4f8fc 0%,#ffffff 64%)}
  .hero .wrap{position:relative;z-index:1;text-align:center}
  .hero-copy{max-width:780px;margin:0 auto}
  .hero h1{font-size:clamp(2.5rem,5.2vw,4rem);margin:18px 0 0;font-weight:900;letter-spacing:-.025em}
  .hero h1 .hl{color:var(--green-deep)}
  .hero p.lead{font-size:1.16rem;color:#3c4859;margin:22px auto 28px;max-width:600px}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
  .reassure{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:24px;font-size:.92rem;color:var(--muted);font-weight:600}
  .reassure span{display:flex;align-items:center;gap:7px}
  .reassure svg{width:16px;height:16px;color:var(--green)}

  .hero-card{background:var(--paper-2);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg);padding:30px 28px;position:relative}
  .hero-card .tag{position:absolute;top:-15px;left:28px;background:var(--green);color:#fff;font-family:var(--display);font-weight:700;font-size:.78rem;padding:7px 16px;border-radius:8px;letter-spacing:.02em}
  .hero-card h3{font-size:1.5rem;margin:8px 0 4px}
  .hero-card .muted{color:var(--muted);font-size:.95rem;margin-bottom:18px}
  .field{margin-bottom:13px}
  .field label{display:block;font-size:.8rem;font-weight:700;margin-bottom:6px;color:#33415a}
  .field input,.field select{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;font-family:var(--body);font-size:1rem;background:#fff;color:var(--ink);transition:border-color .15s, box-shadow .15s}
  .field input:focus,.field select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(39,161,73,.13)}
  .row-2{display:grid;grid-template-columns:1fr 1fr;gap:13px}
  .hero-card .btn{width:100%;margin-top:6px}
  .hero-card .fineprint{font-size:.78rem;color:var(--muted);text-align:center;margin-top:12px;line-height:1.5}
  @media(max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:40px}.hero{padding:44px 0 50px}}

  /* Trust strip */
  .trust{background:var(--navy)}
  .trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:34px 24px}
  .trust .stat{text-align:center;color:#dbe4f2}
  .trust .num{font-family:var(--display);font-weight:900;font-size:2.1rem;color:#fff;line-height:1}
  .trust .num span{color:#5fd07e}
  .trust .lab{font-size:.85rem;opacity:.82;margin-top:7px;font-weight:500}
  @media(max-width:680px){.trust .wrap{grid-template-columns:1fr 1fr;gap:26px 16px}}

  section.block{padding:84px 0}
  .sec-head{max-width:660px;margin-bottom:48px}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .sec-head h2{font-size:clamp(1.9rem,3.6vw,2.7rem);margin:14px 0 0}
  .sec-head p{color:var(--muted);font-size:1.08rem;margin-top:16px}

  /* How it works */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
  .step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;position:relative;transition:transform .2s, box-shadow .2s}
  .step:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
  .step .n{counter-increment:step;width:44px;height:44px;border-radius:11px;background:var(--green-soft);color:var(--green-deep);display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:900;font-size:1.25rem;margin-bottom:16px}
  .step .n::before{content:counter(step)}
  .step h3{font-size:1.16rem;margin-bottom:8px}
  .step p{color:var(--muted);font-size:.96rem}
  .step .arrow{position:absolute;top:46px;right:-15px;color:var(--green);z-index:2}
  .step .arrow svg{width:24px;height:24px}
  @media(max-width:900px){.steps{grid-template-columns:1fr 1fr}.step .arrow{display:none}}
  @media(max-width:480px){.steps{grid-template-columns:1fr}}

  /* Situations */
  .situations{background:var(--section);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .sit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
  .sit{display:flex;align-items:center;gap:13px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:13px;font-weight:600;font-size:.97rem;transition:background .18s, border-color .18s}
  .sit:hover{background:var(--green-soft);border-color:#bfe3c9}
  .sit .ic{width:38px;height:38px;flex:0 0 auto;border-radius:10px;background:var(--green-soft);display:flex;align-items:center;justify-content:center;color:var(--green-deep)}
  .sit .ic svg{width:20px;height:20px}
  @media(max-width:860px){.sit-grid{grid-template-columns:1fr 1fr}}
  @media(max-width:460px){.sit-grid{grid-template-columns:1fr}}

  /* Why us */
  .why{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
  .why-list{display:flex;flex-direction:column;gap:24px}
  .why-item{display:flex;gap:18px}
  .why-item .ic{width:50px;height:50px;flex:0 0 auto;border-radius:13px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center}
  .why-item .ic svg{width:24px;height:24px}
  .why-item h3{font-size:1.16rem;margin-bottom:4px}
  .why-item p{color:var(--muted);font-size:.98rem}
  .why-panel{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;border-radius:24px;padding:42px 38px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
  .why-panel::after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;background:rgba(39,161,73,.22);bottom:-110px;right:-90px}
  /* Photo-backed variant: the inline gradient carries the navy overlay so the
     quote stays legible over the image. */
  .why-panel.has-photo{background-size:cover;background-position:center;padding:46px 38px}
  .why-panel.has-photo::after{display:none}
  .why-panel .eyebrow{color:#7ee29a}
  .why-panel h3{font-size:1.65rem;margin:14px 0 14px;color:#fff;position:relative}
  .why-panel p{color:#cdd9ee;position:relative;margin-bottom:20px}
  .why-panel .who{font-size:.9rem;color:#9fb2d2;font-weight:700;position:relative}
  @media(max-width:860px){.why{grid-template-columns:1fr;gap:36px}}

  /* Lenders */
  .lenders{text-align:center}
  .lenders .label{font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:800;margin-bottom:26px}
  .lender-row{display:flex;flex-wrap:wrap;justify-content:center;gap:14px;max-width:900px;margin:0 auto}
  .chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 20px;font-family:var(--display);font-weight:700;color:#48566b;font-size:.94rem}

  /* Lender logo marquee — the track holds three identical sets and slides by
     exactly one third, so the loop is seamless and two sets always cover the
     viewport. Edges fade out via a gradient mask. */
  .lender-marquee{overflow:hidden;padding:8px 0;
    -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 8%,#000 92%,transparent 100%);
            mask-image:linear-gradient(90deg,transparent 0,#000 8%,#000 92%,transparent 100%)}
  .lender-track{display:flex;align-items:center;width:max-content;animation:lender-scroll 34s linear infinite}
  .lender-logo{flex:0 0 auto;height:34px;width:auto;margin:0 38px;object-fit:contain;display:block}
  .lender-logo.is-tall{height:50px}
  .lender-marquee:hover .lender-track,.lender-marquee:focus-within .lender-track{animation-play-state:paused}
  @keyframes lender-scroll{from{transform:translateX(0)}to{transform:translateX(-33.3333%)}}
  @media(max-width:560px){.lender-logo{height:28px;margin:0 26px}.lender-logo.is-tall{height:42px}}
  @media(prefers-reduced-motion:reduce){
    .lender-marquee{-webkit-mask-image:none;mask-image:none}
    .lender-track{animation:none;flex-wrap:wrap;justify-content:center;width:100%;gap:10px 0}
    .lender-track img[aria-hidden="true"]{display:none}
  }

  /* Apply */
  .apply{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:88px 0}
  .apply::before{content:"";position:absolute;inset:0;background:radial-gradient(620px 380px at 85% 0%,rgba(39,161,73,.22),transparent 60%)}
  .apply .wrap{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:50px;align-items:center}
  .apply .eyebrow{color:#7ee29a}
  .apply h2{font-size:clamp(2rem,4vw,2.9rem);color:#fff;margin:14px 0 18px}
  .apply .lead{color:#cdd9ee;font-size:1.1rem;margin-bottom:26px;max-width:430px}
  .apply .checklist{display:flex;flex-direction:column;gap:12px}
  .apply .checklist li{display:flex;gap:11px;align-items:center;list-style:none;font-weight:600;color:#e6edf8}
  .apply .checklist svg{width:20px;height:20px;color:#5fd07e;flex:0 0 auto}
  .form-card{background:#fff;color:var(--ink);border-radius:22px;padding:34px 32px;box-shadow:var(--shadow-lg)}
  .form-card h3{font-size:1.5rem;margin-bottom:22px}
  .form-card .muted{color:var(--muted);font-size:.95rem;margin-bottom:20px}
  .check{display:flex;gap:10px;align-items:flex-start;font-size:.83rem;color:var(--muted);margin:6px 0 14px}
  .check input{margin-top:3px;width:16px;height:16px;flex:0 0 auto;accent-color:var(--green)}
  .check a{color:var(--green-deep);text-decoration:underline;text-underline-offset:2px}
  .check a:hover{color:var(--green)}
  .check + .check{margin-top:-6px}
  .form-policies{text-align:center;font-size:.85rem;margin:16px 0 10px;color:var(--muted)}
  .form-policies a{color:var(--green-deep);text-decoration:underline;text-underline-offset:2px}
  .form-policies a:hover{color:var(--green)}
  .form-note{text-align:center;font-size:.85rem;color:var(--muted);margin-bottom:16px}
  .form-card .btn{width:100%}
  .form-success{display:none;text-align:center;padding:24px 8px}
  .form-success .badge{width:64px;height:64px;border-radius:50%;background:var(--green-soft);color:var(--green-deep);display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
  .form-success .badge svg{width:32px;height:32px}
  .form-success h3{font-size:1.5rem;margin-bottom:8px}
  .form-success p{color:var(--muted)}
  @media(max-width:860px){.apply{padding:56px 0}.apply .wrap{grid-template-columns:1fr;gap:34px}}

  /* Brand photography bands */
  .brand-band{margin:40px auto 0;max-width:960px;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);line-height:0}
  .brand-band img{width:100%;height:auto;display:block}
  .brand-band-sm{max-width:560px;margin:0 auto 34px}
  @media(max-width:700px){.brand-band{margin-top:30px;border-radius:16px}}

  /* Testimonials — the dark band on the page since the form section moved to /apply */
  .quotes-band{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-deep) 100%);border-top:1px solid var(--line)}
  .quotes-band .sec-head h2{color:#fff}
  .quotes-band .eyebrow{color:#7ee29a}
  .quotes-band .qcard{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
  .quotes-band .qcard p{color:#dce5f3}
  .quotes-band .qcard .av{background:var(--green);color:#fff}
  .quotes-band .qcard .who .nm{color:#fff}
  .quotes-band .qcard .who .loc{color:#9fb2d2}
  .quotes-band > .wrap > p{color:#9fb2d2 !important}

  .quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .qcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px}
  .qcard .stars{color:var(--gold);font-size:1.05rem;letter-spacing:2px;margin-bottom:14px}
  .qcard p{font-size:1.01rem;color:#33415a;margin-bottom:18px}
  .qcard .who{display:flex;align-items:center;gap:12px}
  .qcard .av{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:700}
  .qcard .who .nm{font-weight:700;font-size:.95rem}
  .qcard .who .loc{font-size:.82rem;color:var(--muted)}
  @media(max-width:860px){.quotes{grid-template-columns:1fr}}

  /* Final — copy on the left, photograph on the right */
  .final{padding:80px 0}
  .final-split{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
  .final-copy h2{font-size:clamp(1.9rem,3.8vw,2.8rem);margin:14px 0 16px}
  .final-copy p{color:var(--muted);font-size:1.12rem;margin-bottom:30px;max-width:34ch}
  .final-cta{display:flex;flex-wrap:wrap;gap:12px}
  .final-photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);line-height:0}
  .final-photo img{width:100%;height:100%;max-height:420px;object-fit:cover;display:block}
  @media(max-width:860px){
    .final{padding:60px 0}
    .final-split{grid-template-columns:1fr;gap:34px}
    .final-photo{order:-1}                    /* photo leads on narrow screens */
    .final-photo img{max-height:280px}
    .final-copy p{max-width:none}
  }

  /* Footer */
  footer{background:var(--navy-deep);color:#aebbd2;padding:56px 0 28px;font-size:.92rem}
  .foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
  footer .foot-logo img{height:34px;width:auto;margin-bottom:16px}
  footer p.blurb{max-width:300px;color:#92a2bf;font-size:.92rem}
  footer h4{font-family:var(--display);color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
  footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
  footer ul a:hover{color:#7ee29a}
  footer .hours span{display:block;color:#92a2bf}
  .foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:24px;color:#74859e;font-size:.82rem}
  .disclaimer{max-width:var(--maxw);margin:18px auto 0;padding:0 24px;color:#6a7b94;font-size:.74rem;line-height:1.6}
  @media(max-width:760px){.foot-top{grid-template-columns:1fr 1fr;gap:28px}}
  @media(max-width:460px){.foot-top{grid-template-columns:1fr}}

  /* Legal pages (Terms & Conditions, Privacy Policy) */
  .legal-banner{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;padding:56px 0 48px}
  .legal-banner h1{font-size:clamp(1.9rem,4vw,2.8rem);color:#fff}
  .legal-banner .crumbs{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px;font-size:.85rem;color:#9fb2d2;font-weight:600}
  .legal-banner .crumbs a:hover{color:#7ee29a}
  .legal{padding:64px 0 84px}
  .legal .wrap{max-width:840px}
  .legal h2{font-size:1.45rem;margin:40px 0 14px}
  .legal h2:first-child{margin-top:0}
  .legal h3{font-size:1.14rem;margin:32px 0 12px}
  .legal p{color:#3c4859;margin-bottom:16px}
  .legal strong{color:var(--ink)}
  .legal ul,.legal ol{margin:0 0 18px 24px;color:#3c4859}
  .legal li{margin-bottom:10px}
  .legal a{color:var(--green-deep);text-decoration:underline;text-underline-offset:2px}
  .legal a:hover{color:var(--green)}
  @media(max-width:640px){.legal-banner{padding:40px 0 34px}.legal{padding:44px 0 60px}}

  /* Content paints immediately — no scroll-reveal fade (speed first). */
  .reveal{opacity:1;transform:none}