:root{
  --navy:#0e2038;
  --navy-2:#132b49;
  --ink:#172231;
  --muted:#667085;
  --paper:#ffffff;
  --soft:#f4f7f9;
  --sand:#8fc8f2;
  --sand-light:#e7f4fd;
  --line:#e3e8ed;
  --radius:20px;
  --shadow:0 18px 55px rgba(14,32,56,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}
a{color:inherit;text-decoration:none}
.container{width:min(1160px,calc(100% - 40px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(227,232,237,.9)}
.nav-wrap{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{width:42px;height:42px;display:grid;place-items:center;background:var(--navy);color:white;border-radius:12px;font-family:Manrope,sans-serif;font-weight:800;letter-spacing:-.04em}
.brand strong{font-family:Manrope,sans-serif;display:block;font-size:16px;letter-spacing:.07em;line-height:1.1}
.brand small{display:block;font-size:10px;color:var(--muted);margin-top:4px}
.nav{display:flex;align-items:center;gap:25px;font-size:14px;font-weight:600}
.nav>a:not(.btn):hover{color:#287eb8}
.nav-toggle{display:none;background:none;border:0;font-size:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--navy);background:var(--navy);color:white;border-radius:12px;padding:12px 20px;font-weight:700;transition:.18s ease;cursor:pointer}
.btn:hover{transform:translateY(-1px);box-shadow:0 9px 24px rgba(14,32,56,.16)}
.btn-small{padding:9px 14px}
.btn-large{padding:14px 22px}
.btn-outline{background:white;color:var(--navy)}
.btn-ghost{background:transparent;color:var(--navy)}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#f7f9fb 0%,#fff 45%,#eaf6fd 100%);padding:94px 0 74px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center;position:relative;z-index:2}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.16em;color:#287eb8;margin:0 0 16px}
.hero h1,.section h2{font-family:Manrope,sans-serif;letter-spacing:-.045em;line-height:1.03;margin:0}
.hero h1{font-size:clamp(50px,6vw,76px)}
.hero h1 span{color:#3c91c9}
.hero-text{font-size:19px;color:#526071;max-width:720px;margin:24px 0 30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px;padding-top:26px;border-top:1px solid #d9dee4}
.trust-row strong,.trust-row span{display:block}
.trust-row strong{font-size:14px}
.trust-row span{font-size:11px;color:var(--muted);margin-top:4px}
.hero-card{background:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.8);padding:28px;border-radius:26px;box-shadow:var(--shadow)}
.card-kicker{font-size:11px;letter-spacing:.15em;font-weight:800;color:#287eb8;margin:0}
.hero-card h2{font-family:Manrope,sans-serif;font-size:28px;margin:8px 0 20px}
.choice{display:grid;grid-template-columns:42px 1fr 20px;gap:12px;align-items:center;padding:16px 0;border-top:1px solid var(--line)}
.choice>span{font-size:22px}
.choice strong,.choice small{display:block}
.choice small{color:var(--muted);font-size:12px;margin-top:2px}
.choice b{transition:.2s}
.choice:hover b{transform:translateX(4px)}
.hero-glow{position:absolute;border-radius:999px;filter:blur(20px);opacity:.35}
.hero-glow-one{width:360px;height:360px;background:#b9ddf7;right:5%;top:-120px}
.hero-glow-two{width:260px;height:260px;background:#dce5ed;left:-100px;bottom:-100px}
.strip{background:var(--navy);color:white}
.strip-inner{padding:18px 0;text-align:center}
.strip p{margin:0;font-size:14px}
.section{padding:92px 0}
.section-soft{background:var(--soft)}
.section-heading{max-width:760px;margin-bottom:40px}
.section-heading.center{text-align:center;margin-left:auto;margin-right:auto}
.section-heading h2,.partners h2,.about-grid h2,.apply-grid h2,.contact-grid h2{font-size:clamp(34px,4vw,50px)}
.section-heading>p:last-child,.lead{font-size:18px;color:var(--muted)}
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feature,.loan-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.feature .icon{width:46px;height:46px;border-radius:14px;background:var(--sand-light);display:grid;place-items:center;font-weight:800;color:#287eb8}
.feature h3,.loan-card h3{font-family:Manrope,sans-serif;font-size:20px;margin:20px 0 8px}
.feature p,.loan-card p{color:var(--muted);margin:0;font-size:14px}
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.loan-card{transition:.18s}
.loan-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.loan-card>span{font-size:28px}
.cta-inline{margin-top:26px;padding:22px 26px;background:var(--navy);color:white;border-radius:18px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.cta-inline strong,.cta-inline span{display:block}
.cta-inline span{color:#cfd8e2;font-size:13px;margin-top:3px}
.cta-inline .btn{background:white;color:var(--navy);border-color:white}
.partners{background:#f2f9fe}
.partner-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}
.check-list{display:grid;gap:12px;margin:28px 0}
.check-list div{font-weight:600}
.partner-card{background:var(--navy);color:white;padding:42px;border-radius:28px;box-shadow:var(--shadow)}
.quote-mark{font-family:Georgia,serif;font-size:90px;line-height:.6;color:var(--sand);margin:0 0 20px}
.partner-card h3{font-family:Manrope,sans-serif;font-size:30px;line-height:1.15}
.partner-card p{color:#d5dde6}
.partner-card span{display:block;color:#b9c5d0;font-size:12px;margin-top:4px}
.mini-rule{height:1px;background:#43556d;margin:28px 0}
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center}
.about-photo{background:linear-gradient(145deg,var(--sand-light),#eef2f5);border-radius:28px;padding:20px;min-height:480px}
.photo-placeholder{height:440px;border:1px dashed #9ca8b5;border-radius:20px;display:grid;place-content:center;text-align:center;color:#75808d}
.photo-placeholder span{font-family:Manrope,sans-serif;font-weight:800;font-size:28px}
.photo-placeholder small{margin-top:7px}
.about-grid p:not(.eyebrow){color:var(--muted)}
.text-link{display:inline-block;margin-top:10px;font-weight:800;color:#287eb8}
.section-dark{background:var(--navy);color:white}
.apply-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}
.apply-grid p{color:#c8d2de}
.eyebrow.light{color:#a9d7f6}
.apply-actions{display:grid;gap:12px}
.btn-light{background:white;color:var(--navy);border-color:white}
.btn-dark-outline{background:transparent;color:white;border-color:#6b7b8d}
.apply-actions small{color:#9eacbb;text-align:center}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}
.contact-details{display:grid;gap:18px;margin-top:32px}
.contact-details span{display:block;font-size:10px;letter-spacing:.14em;color:#8a96a4;font-weight:800}
.contact-details strong{font-size:16px}
.contact-form{background:var(--soft);border-radius:24px;padding:30px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.contact-form label{font-size:12px;font-weight:700;color:#4e5b69}
.contact-form input,.contact-form select,.contact-form textarea{width:100%;margin-top:7px;border:1px solid #d8dfe6;border-radius:11px;background:white;padding:13px 14px;font:inherit;color:var(--ink)}
.contact-form .full{grid-column:1/-1}
.form-note{font-size:11px;color:#7f8b98;margin:0;text-align:center}
footer{background:#091727;color:#c7d0d9;padding:60px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:50px}
.footer-grid>div{display:flex;flex-direction:column;gap:9px}
.footer-grid strong{color:white}
.footer-grid p,.footer-grid a{font-size:13px;margin:0}
.footer-brand{margin-bottom:10px}
.footer-brand .brand-mark{background:white;color:var(--navy)}
.footer-brand small{color:#9ca9b6}
.legal{border-top:1px solid #28374a;margin-top:40px;padding-top:22px;font-size:10px;color:#8fa0b0}
.legal p{margin:7px 0}

@media (max-width: 980px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;top:78px;left:0;right:0;background:white;padding:20px;box-shadow:0 10px 30px rgba(0,0,0,.08);flex-direction:column;align-items:stretch}
  .nav.open{display:flex}
  .hero-grid,.partner-grid,.about-grid,.apply-grid,.contact-grid{grid-template-columns:1fr}
  .hero-grid{gap:38px}
  .feature-grid{grid-template-columns:1fr}
  .loan-grid{grid-template-columns:repeat(2,1fr)}
  .about-photo{min-height:350px}
  .photo-placeholder{height:310px}
  .footer-grid{grid-template-columns:1fr}
}
@media (max-width: 640px){
  .container{width:min(100% - 28px,1160px)}
  .hero{padding:64px 0 50px}
  .hero h1{font-size:47px}
  .hero-text{font-size:17px}
  .trust-row{grid-template-columns:1fr}
  .loan-grid{grid-template-columns:1fr}
  .section{padding:68px 0}
  .cta-inline{align-items:flex-start;flex-direction:column}
  .contact-form{grid-template-columns:1fr;padding:22px}
  .contact-form label{grid-column:1/-1}
}

.topbar{background:var(--navy);color:#dbe8f3;font-size:12px}
.topbar-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.topbar a{color:white}
.profile-card{padding:0;overflow:hidden}
.hero-headshot{display:block;width:100%;height:390px;object-fit:cover;object-position:center 30%}
.profile-body{padding:25px 28px 28px}
.profile-body h2{margin:6px 0 3px}
.profile-title{margin:0 0 15px;color:var(--muted);font-size:13px}
.profile-link{display:block;font-weight:700;color:var(--navy);margin-top:5px}
.about-photo{padding:0;overflow:hidden;background:#eaf6fd}
.about-photo img{display:block;width:100%;height:480px;object-fit:cover;object-position:center 25%;border-radius:28px}
@media(max-width:640px){
  .topbar-inner{padding:7px 0;display:block;text-align:center}
  .topbar-inner span{display:block}
  .topbar-inner span:first-child{display:none}
  .hero-headshot{height:360px}
  .about-photo img{height:380px}
}