:root {
  --navy: #0b3b60;
  --navy-dark: #072942;
  --blue: #146c94;
  --aqua: #13a6a0;
  --aqua-dark: #0d817d;
  --cream: #f6f8f7;
  --white: #ffffff;
  --ink: #142333;
  --muted: #5d6b78;
  --line: #dbe4e8;
  --danger: #b42318;
  --success: #067647;
  --shadow: 0 24px 60px rgba(7, 41, 66, .12);
  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 12px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
button, input, select { font: inherit; }
a { color: inherit; }
svg { display: block; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 1000; background: var(--white); color: var(--navy); padding: 10px 16px; border-radius: 8px; box-shadow: var(--shadow); }
.skip-link:focus { top: 16px; }

.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.94); backdrop-filter: blur(14px); border-bottom: 1px solid rgba(219,228,232,.8); }
.header-inner { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 13px; background: linear-gradient(135deg, var(--navy), var(--aqua)); color: var(--white); font-weight: 800; font-size: 22px; box-shadow: 0 8px 20px rgba(19,166,160,.24); }
.brand strong, .brand small { display: block; }
.brand strong { color: var(--navy-dark); font-size: 16px; letter-spacing: -.01em; }
.brand small { color: var(--muted); font-size: 11px; margin-top: -3px; }
.header-cta { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; padding: 0 20px; border-radius: 999px; background: var(--navy); color: var(--white); font-weight: 700; text-decoration: none; transition: .2s ease; }
.header-cta:hover { background: var(--navy-dark); transform: translateY(-1px); }

.hero { position: relative; overflow: hidden; padding: 86px 0 92px; background: linear-gradient(125deg, #f3fbfa 0%, #ffffff 52%, #edf5f9 100%); }
.hero::before, .hero::after { content: ""; position: absolute; border-radius: 50%; filter: blur(2px); pointer-events: none; }
.hero::before { width: 420px; height: 420px; background: rgba(19,166,160,.08); top: -210px; right: 7%; }
.hero::after { width: 260px; height: 260px; background: rgba(20,108,148,.07); bottom: -160px; left: 5%; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.2fr .8fr; align-items: center; gap: 72px; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; color: var(--aqua-dark); font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 24px; height: 2px; background: currentColor; }
h1, h2, h3, p { margin-top: 0; }
h1 { max-width: 780px; margin-bottom: 24px; color: var(--navy-dark); font-size: clamp(42px, 5.6vw, 72px); line-height: 1.04; letter-spacing: -.045em; }
h2 { color: var(--navy-dark); font-size: clamp(32px, 4vw, 48px); line-height: 1.1; letter-spacing: -.035em; }
h3 { color: var(--navy-dark); }
.lead { max-width: 680px; color: var(--muted); font-size: 20px; line-height: 1.7; }
.hero-points { display: flex; flex-wrap: wrap; gap: 12px 24px; margin: 30px 0; color: var(--navy); font-weight: 650; }
.hero-points div { display: flex; align-items: center; gap: 8px; }
.hero-points span { display: grid; place-items: center; width: 23px; height: 23px; border-radius: 50%; background: #dff5f2; color: var(--aqua-dark); font-size: 13px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 26px; border: 0; border-radius: 999px; font-weight: 800; cursor: pointer; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); }
.button:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible, a:focus-visible { outline: 3px solid rgba(19,166,160,.34); outline-offset: 3px; }
.button-primary { background: linear-gradient(135deg, var(--aqua), var(--blue)); color: var(--white); box-shadow: 0 12px 28px rgba(20,108,148,.22); }
.button-primary:hover { box-shadow: 0 16px 32px rgba(20,108,148,.28); }
.button-secondary { background: #edf3f5; color: var(--navy); }
.button[disabled] { opacity: .65; cursor: not-allowed; transform: none; }
.microcopy { max-width: 600px; margin: 18px 0 0; color: var(--muted); font-size: 12px; }
.hero-card { padding: 34px; border: 1px solid rgba(255,255,255,.8); border-radius: var(--radius-lg); background: rgba(255,255,255,.88); box-shadow: var(--shadow); }
.hero-card-icon { display: grid; place-items: center; width: 68px; height: 68px; margin-bottom: 20px; border-radius: 22px; background: #e2f5f3; color: var(--aqua-dark); }
.hero-card-icon svg { width: 40px; height: 40px; }
.hero-card h2 { font-size: 28px; margin-bottom: 24px; }
.hero-card ol { list-style: none; padding: 0; margin: 0; counter-reset: item; }
.hero-card li { position: relative; display: grid; grid-template-columns: 38px 1fr; padding: 0 0 22px 0; counter-increment: item; }
.hero-card li::before { content: counter(item); display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: var(--white); font-size: 12px; font-weight: 800; }
.hero-card li:not(:last-child)::after { content: ""; position: absolute; left: 14px; top: 32px; bottom: 2px; width: 2px; background: var(--line); }
.hero-card li strong, .hero-card li span { display: block; }
.hero-card li strong { color: var(--navy-dark); }
.hero-card li span { color: var(--muted); font-size: 14px; }

.form-section { min-height: 100vh; padding: 72px 0 96px; background: var(--cream); }
.form-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: 72px; align-items: start; }
.section-heading { position: sticky; top: 120px; }
.section-heading h2 { margin: 14px 0 20px; }
.section-heading p { color: var(--muted); font-size: 18px; }
.form-shell { border: 1px solid #e7edef; border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); overflow: hidden; }
.progress-wrap { padding: 24px 30px 20px; border-bottom: 1px solid var(--line); background: #fbfdfd; }
.progress-top { display: flex; justify-content: space-between; margin-bottom: 9px; color: var(--muted); font-size: 13px; font-weight: 700; }
.progress-track { height: 7px; border-radius: 999px; background: #e6edef; overflow: hidden; }
.progress-track span { display: block; width: 25%; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--aqua), var(--blue)); transition: width .35s ease; }
#loanForm { padding: 36px 30px 30px; }
.form-step { animation: fadeIn .3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.step-title { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 30px; }
.step-number { flex: 0 0 auto; display: grid; place-items: center; width: 44px; height: 44px; border-radius: 14px; background: #e2f5f3; color: var(--aqua-dark); font-size: 13px; font-weight: 900; }
.step-title h3 { margin-bottom: 5px; font-size: 25px; line-height: 1.25; }
.step-title p { margin: 0; color: var(--muted); font-size: 14px; }
.step-title h3 span, legend span, label span[aria-hidden="true"] { color: var(--danger); }
.product-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.product-card { position: relative; display: flex; align-items: center; gap: 14px; min-height: 88px; padding: 16px; border: 2px solid var(--line); border-radius: 16px; cursor: pointer; transition: .2s ease; }
.product-card:hover { border-color: #92c7c4; background: #f8fcfb; transform: translateY(-1px); }
.product-card input { position: absolute; opacity: 0; pointer-events: none; }
.product-card:has(input:checked) { border-color: var(--aqua); background: #edfafa; box-shadow: 0 0 0 3px rgba(19,166,160,.1); }
.product-card:has(input:focus-visible) { outline: 3px solid rgba(19,166,160,.34); outline-offset: 3px; }
.product-card .icon { display: grid; place-items: center; flex: 0 0 auto; width: 48px; height: 48px; border-radius: 14px; background: #eef4f6; color: var(--navy); }
.product-card:has(input:checked) .icon { background: var(--aqua); color: var(--white); }
.product-card svg { width: 30px; height: 30px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.product-card > span:last-child { color: var(--navy-dark); font-size: 14px; font-weight: 750; line-height: 1.35; }
.amount-control > label, .field-group > label { display: block; margin-bottom: 9px; color: var(--navy-dark); font-weight: 750; }
.amount-input-wrap { position: relative; }
.amount-input-wrap input { width: 100%; min-height: 64px; padding: 0 80px 0 18px; border: 2px solid var(--line); border-radius: 14px; color: var(--navy-dark); font-size: 28px; font-weight: 800; }
.amount-input-wrap span { position: absolute; right: 18px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 800; }
.range { width: 100%; margin: 28px 0 2px; accent-color: var(--aqua); cursor: pointer; }
.range-labels { display: flex; justify-content: space-between; color: var(--muted); font-size: 12px; }
.field-help { margin: 8px 0 0; color: var(--muted); font-size: 13px; }
.field-error { min-height: 20px; margin: 7px 0 0; color: var(--danger); font-size: 13px; font-weight: 650; }
.question-group { padding: 0; margin: 0 0 28px; border: 0; }
.question-group legend { margin-bottom: 4px; color: var(--navy-dark); font-weight: 800; }
.segmented { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 14px; }
.segmented-short { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 340px; }
.segmented label { position: relative; cursor: pointer; }
.segmented input { position: absolute; opacity: 0; }
.segmented label span { display: grid; place-items: center; min-height: 50px; padding: 8px 12px; border: 2px solid var(--line); border-radius: 12px; color: var(--navy); font-size: 13px; font-weight: 750; text-align: center; transition: .2s ease; }
.segmented input:checked + span { border-color: var(--aqua); background: #eaf9f7; color: var(--aqua-dark); }
.segmented input:focus-visible + span { outline: 3px solid rgba(19,166,160,.34); outline-offset: 2px; }
.field-group { margin-bottom: 20px; }
.field-group input, .field-group select { width: 100%; min-height: 54px; padding: 0 15px; border: 2px solid var(--line); border-radius: 12px; background: var(--white); color: var(--ink); transition: .2s ease; }
.field-group input:focus, .field-group select:focus, .amount-input-wrap input:focus { border-color: var(--aqua); box-shadow: 0 0 0 4px rgba(19,166,160,.1); outline: 0; }
.contact-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 16px; }
.full-width { grid-column: 1 / -1; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin-top: 8px; cursor: pointer; }
.consent input { flex: 0 0 auto; width: 20px; height: 20px; margin-top: 3px; accent-color: var(--aqua); }
.consent span { color: var(--muted); font-size: 13px; line-height: 1.55; }
.consent a { color: var(--navy); font-weight: 750; }
.consent strong { color: var(--danger); }
.consent.optional { margin-top: 20px; }
.form-note { margin-top: 24px; padding: 16px 18px; border-left: 4px solid var(--aqua); border-radius: 0 12px 12px 0; background: #f1f8f8; color: var(--muted); font-size: 13px; }
.form-actions { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; padding-top: 24px; border-top: 1px solid var(--line); }
.form-actions .button-primary { margin-left: auto; }
.button-spinner { display: none; width: 18px; height: 18px; margin-left: 10px; border: 2px solid rgba(255,255,255,.45); border-top-color: var(--white); border-radius: 50%; animation: spin .8s linear infinite; }
.is-loading .button-spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }
.submit-message { display: none; margin-top: 22px; padding: 16px 18px; border-radius: 12px; font-size: 14px; font-weight: 700; }
.submit-message.is-success { display: block; background: #ecfdf3; color: var(--success); }
.submit-message.is-error { display: block; background: #fef3f2; color: var(--danger); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; opacity: 0 !important; }

.eligibility-message { padding: 52px 38px; text-align: center; animation: fadeIn .3s ease; }
.eligibility-icon { display: grid; place-items: center; width: 64px; height: 64px; margin: 0 auto 22px; border-radius: 50%; background: #fef3f2; color: var(--danger); font-size: 38px; font-weight: 500; line-height: 1; }
.eligibility-message h3 { max-width: 560px; margin: 0 auto 14px; font-size: 28px; line-height: 1.25; }
.eligibility-message p { max-width: 590px; margin: 0 auto 28px; color: var(--muted); line-height: 1.65; }

.trust-section { padding: 82px 0; }
.trust-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.trust-grid article { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--white); }
.trust-icon { display: inline-grid; place-items: center; width: 42px; height: 42px; margin-bottom: 18px; border-radius: 13px; background: var(--navy); color: var(--white); font-size: 12px; font-weight: 900; }
.trust-grid h3 { margin-bottom: 10px; font-size: 20px; }
.trust-grid p { margin: 0; color: var(--muted); font-size: 14px; }
.faq-section { padding: 88px 0; background: var(--navy-dark); color: var(--white); }
.faq-layout { display: grid; grid-template-columns: .7fr 1.3fr; gap: 72px; }
.faq-section h2 { margin-top: 14px; color: var(--white); }
.faq-section .eyebrow { color: #6ed8d3; }
.faq-list details { border-bottom: 1px solid rgba(255,255,255,.15); }
.faq-list summary { position: relative; padding: 22px 44px 22px 0; color: var(--white); font-weight: 800; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 0; top: 18px; font-size: 26px; font-weight: 400; color: #6ed8d3; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list p { padding: 0 44px 20px 0; margin: 0; color: #b8c7d2; }
.site-footer { padding: 56px 0 28px; background: #061e31; color: #b9c7d1; }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: start; }
.brand-footer strong { color: var(--white); }
.brand-footer small { color: #9fb1be; }
.footer-grid p { max-width: 520px; margin: 20px 0 0; font-size: 13px; }
.company-details { color: #dbe5eb; font-style: normal; line-height: 1.8; }
.company-details strong { color: var(--white); font-size: 17px; }
.footer-links { display: flex; flex-direction: column; gap: 12px; align-items: flex-end; }
.footer-links a { color: var(--white); text-decoration: none; font-weight: 700; font-size: 14px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 38px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); font-size: 12px; }

.privacy-page { background: var(--cream); }
.privacy-main { padding: 70px 0 100px; }
.privacy-card { max-width: 900px; margin: 0 auto; padding: 52px; border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.privacy-card h1 { font-size: clamp(36px, 5vw, 58px); }
.privacy-card h2 { margin-top: 38px; font-size: 26px; }
.privacy-card p, .privacy-card li { color: var(--muted); }
.template-warning { padding: 16px 18px; border: 1px solid #f5c97a; border-radius: 12px; background: #fff8e8; color: #7a4a00 !important; font-weight: 700; }

@media (max-width: 980px) {
  .hero-grid, .form-layout, .faq-layout { grid-template-columns: 1fr; gap: 46px; }
  .section-heading { position: static; }
  .hero-card { max-width: 640px; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 28px, 1160px); }
  .site-header { position: static; }
  .header-inner { min-height: 70px; }
  .brand small { display: none; }
  .header-cta { padding: 0 14px; font-size: 13px; }
  .hero { padding: 60px 0 68px; }
  h1 { font-size: 42px; }
  .lead { font-size: 17px; }
  .hero-points { display: grid; }
  .hero-card { padding: 26px; }
  .form-section { padding: 72px 0; }
  .form-shell { border-radius: 20px; }
  .progress-wrap { padding: 20px 20px 17px; }
  #loanForm { padding: 28px 20px 24px; }
  .eligibility-message { padding: 40px 22px; }
  .eligibility-message h3 { font-size: 24px; }
  .step-title h3 { font-size: 21px; }
  .product-grid, .contact-grid, .trust-grid { grid-template-columns: 1fr; }
  .segmented { grid-template-columns: 1fr; }
  .segmented-short { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .form-actions .button { flex: 1; padding-inline: 16px; }
  .trust-section { padding: 64px 0; }
  .faq-section { padding: 68px 0; }
  .footer-grid, .footer-bottom { grid-template-columns: 1fr; display: grid; }
  .footer-links { align-items: flex-start; }
  .privacy-card { padding: 30px 22px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; transition-duration: .01ms !important; }
}