:root {
  --blue: #083b72;
  --blue-dark: #05284f;
  --green: #07823c;
  --green-dark: #05642f;
  --ink: #102033;
  --muted: #5e6b7c;
  --line: #dce6ef;
  --surface: #f5f9fc;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(8, 59, 114, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background:
    linear-gradient(180deg, #ffffff 0%, #f8fbfe 42%, #ffffff 100%);
  line-height: 1.6;
  overflow-x: hidden;
}

body.is-loading {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
  display: block;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 16px clamp(18px, 5vw, 72px);
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
  box-shadow: 0 10px 30px rgba(8, 59, 114, 0.06);
  animation: headerDrop 650ms ease both;
}

.brand img {
  width: 220px;
  min-width: 180px;
  transition: transform 200ms ease;
}

.brand:hover img {
  transform: scale(1.03);
}

.main-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex: 1;
  font-size: 13px;
  font-weight: 700;
  color: #33475f;
}

.main-nav a {
  position: relative;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  transition: color 180ms ease;
}

.main-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -2px;
  height: 2px;
  background: var(--green);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 220ms ease;
}

.main-nav a:hover,
.main-nav a.active {
  color: var(--green);
}

.main-nav a:hover::after,
.main-nav a.active::after {
  transform: scaleX(1);
}

.header-cta,
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 12px 20px;
  border-radius: 6px;
  border: 1px solid transparent;
  font-weight: 800;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, border-color 180ms ease;
}

.header-cta,
.btn.primary {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 12px 25px rgba(7, 130, 60, 0.22);
}

.header-cta:hover,
.btn.primary:hover {
  background: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 16px 30px rgba(7, 130, 60, 0.28);
}

.btn.secondary {
  background: var(--white);
  color: var(--blue);
  border-color: var(--line);
}

.btn.secondary:hover {
  border-color: var(--blue);
  transform: translateY(-2px);
  box-shadow: 0 14px 26px rgba(8, 59, 114, 0.1);
}

.btn.full {
  width: 100%;
  background: var(--blue);
  color: var(--white);
}

.btn.full:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 28px rgba(8, 59, 114, 0.24);
}

.page-loader {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: grid;
  place-items: center;
  background:
    linear-gradient(135deg, rgba(5, 40, 79, 0.96), rgba(8, 59, 114, 0.92)),
    radial-gradient(circle at 75% 20%, rgba(7, 130, 60, 0.28), transparent 32%);
  transition: opacity 450ms ease, visibility 450ms ease;
}

.page-loader.is-hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader-card {
  width: min(430px, calc(100vw - 36px));
  padding: 30px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 30px 90px rgba(0, 0, 0, 0.28);
  animation: loaderFloat 1200ms ease-in-out infinite alternate;
}

.loader-card img {
  width: 100%;
}

.loader-line {
  position: relative;
  display: block;
  height: 5px;
  margin-top: 22px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(8, 59, 114, 0.12);
}

.loader-line::after {
  content: "";
  position: absolute;
  inset: 0;
  width: 42%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--blue), var(--green));
  animation: loaderSlide 950ms ease-in-out infinite;
}

.hero {
  min-height: 640px;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.55fr);
  align-items: center;
  gap: 48px;
  padding: clamp(48px, 7vw, 92px) clamp(18px, 5vw, 72px);
  background-color: var(--blue-dark);
  background-size: cover;
  background-position: center;
  color: var(--white);
}

.home-hero {
  border-bottom: 8px solid var(--green);
}

.bg-home {
  background-image:
    linear-gradient(115deg, rgba(5, 40, 79, 0.95) 0%, rgba(8, 59, 114, 0.78) 52%, rgba(5, 40, 79, 0.62) 100%),
    url("https://images.pexels.com/photos/7433865/pexels-photo-7433865.jpeg?auto=compress&cs=tinysrgb&w=1800");
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero .eyebrow,
.cta-section .eyebrow {
  color: #64d88e;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  margin: 0;
  font-size: clamp(42px, 7vw, 84px);
  line-height: 0.96;
  letter-spacing: 0;
}

h2 {
  margin: 0 0 14px;
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: 0;
}

h3 {
  margin: 0 0 10px;
  font-size: 20px;
  line-height: 1.2;
}

.hero-text {
  max-width: 680px;
  margin: 24px 0 0;
  color: #dceafb;
  font-size: 20px;
}

.hero-actions,
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-top: 28px;
}

.trust-strip span {
  padding: 8px 12px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  color: #e7f2ff;
  font-size: 13px;
  font-weight: 700;
}

.eligibility-panel,
.values-panel,
.document-box,
.contact-card {
  background: var(--white);
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.eligibility-panel {
  padding: 28px;
}

.panel-top {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}

.status-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 6px rgba(7, 130, 60, 0.12);
}

.amount-card {
  padding: 18px;
  margin-bottom: 20px;
  border-radius: 8px;
  background: var(--surface);
  border: 1px solid var(--line);
}

.amount-card span,
.metric-board span,
.steps span {
  display: block;
  color: var(--muted);
  font-size: 14px;
}

.amount-card strong {
  display: block;
  margin-top: 4px;
  font-size: 25px;
  color: var(--blue);
}

.section,
.page-hero {
  padding: clamp(48px, 7vw, 92px) clamp(18px, 5vw, 72px);
}

.page-hero {
  min-height: 430px;
  display: flex;
  align-items: center;
  background-color: var(--blue-dark);
  background-size: cover;
  background-position: center;
  border-bottom: 1px solid var(--line);
  color: var(--white);
}

.visual-hero {
  display: flex;
}

.page-hero-copy {
  max-width: 820px;
  padding: 30px;
  border-left: 5px solid var(--green);
  background: rgba(5, 40, 79, 0.5);
  border-radius: 8px;
  backdrop-filter: blur(4px);
}

.page-hero h1 {
  max-width: 880px;
  color: var(--white);
  font-size: clamp(36px, 5vw, 62px);
}

.page-hero p:last-child {
  max-width: 760px;
  font-size: 18px;
  color: #e5f0fb;
}

.bg-about {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.58)), url("https://images.pexels.com/photos/7709099/pexels-photo-7709099.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center 28%;
}

.bg-loans {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.52)), url("https://images.pexels.com/photos/6994285/pexels-photo-6994285.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.bg-apply,
.bg-terms {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.52)), url("https://images.pexels.com/photos/7875831/pexels-photo-7875831.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center 42%;
}

.bg-faq,
.bg-privacy {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.52)), url("https://images.pexels.com/photos/7734574/pexels-photo-7734574.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.bg-contact {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.58)), url("https://images.pexels.com/photos/7709099/pexels-photo-7709099.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center 28%;
}

.bg-blog {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.5)), url("https://images.pexels.com/photos/3184465/pexels-photo-3184465.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.bg-blog-detail {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.94), rgba(5, 40, 79, 0.55)), url("https://images.pexels.com/photos/4386366/pexels-photo-4386366.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.bg-rates {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.94), rgba(5, 40, 79, 0.55)), url("https://images.pexels.com/photos/7821486/pexels-photo-7821486.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 32px;
}

.product-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.product-grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.product-card {
  padding: 26px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 12px 32px rgba(16, 32, 51, 0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.image-card {
  padding-top: 0;
  overflow: hidden;
}

.card-photo,
.detail-thumb,
.blog-photo {
  display: block;
  background-size: cover;
  background-position: center;
}

.card-photo {
  height: 150px;
  margin: 0 -26px 24px;
}

.personal-card .card-photo,
.thumb-personal,
.blog-photo-one {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.16)), url("https://images.pexels.com/photos/4386366/pexels-photo-4386366.jpeg?auto=compress&cs=tinysrgb&w=900");
}

.salary-card .card-photo,
.thumb-salary {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.16)), url("https://images.pexels.com/photos/4968630/pexels-photo-4968630.jpeg?auto=compress&cs=tinysrgb&w=900");
}

.credit-card-img .card-photo,
.thumb-credit,
.blog-photo-three {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.16)), url("https://images.pexels.com/photos/6994285/pexels-photo-6994285.jpeg?auto=compress&cs=tinysrgb&w=900");
}

.business-card .card-photo,
.thumb-business,
.blog-photo-two {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.16)), url("https://images.pexels.com/photos/7681091/pexels-photo-7681091.jpeg?auto=compress&cs=tinysrgb&w=900");
}

.product-card:hover,
.detail-card:hover {
  transform: translateY(-4px);
  border-color: rgba(7, 130, 60, 0.28);
  box-shadow: 0 20px 44px rgba(16, 32, 51, 0.1);
}

.product-card p,
.detail-card p,
.legal-copy p {
  color: var(--muted);
}

.product-card a {
  display: inline-block;
  margin-top: 8px;
  color: var(--green);
  font-weight: 800;
}

.icon-badge {
  display: inline-flex;
  width: 46px;
  height: 46px;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  border-radius: 8px;
  background: rgba(7, 130, 60, 0.1);
  color: var(--green);
  font-size: 22px;
  font-weight: 900;
}

.band {
  background: var(--surface);
}

.image-band {
  background-image:
    linear-gradient(90deg, rgba(245, 249, 252, 0.96), rgba(245, 249, 252, 0.88)),
    url("https://images.pexels.com/photos/3183150/pexels-photo-3183150.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-size: cover;
  background-position: center;
}

.visual-split {
  background-image:
    linear-gradient(90deg, rgba(255, 255, 255, 0.97), rgba(255, 255, 255, 0.9)),
    url("https://images.pexels.com/photos/3183198/pexels-photo-3183198.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-size: cover;
  background-position: center;
}

.image-text-section {
  align-items: center;
}

.section-image {
  min-height: 390px;
  margin: 0;
  border-radius: 8px;
  background-size: cover;
  background-position: center;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
}

.about-preview-img {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.18)), url("https://images.pexels.com/photos/7681087/pexels-photo-7681087.jpeg?auto=compress&cs=tinysrgb&w=1200");
}

.about-main-img {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.18)), url("https://images.pexels.com/photos/3184465/pexels-photo-3184465.jpeg?auto=compress&cs=tinysrgb&w=1200");
}

.process-layout,
.split,
.form-layout,
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr);
  gap: 36px;
  align-items: start;
}

.steps {
  display: grid;
  gap: 16px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.steps li {
  position: relative;
  padding: 20px 20px 20px 68px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 20px;
  top: 22px;
  width: 30px;
  height: 30px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-weight: 900;
}

.feature-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}

.choose-grid,
.rates-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.choose-card,
.rate-card {
  position: relative;
  overflow: hidden;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 32px rgba(16, 32, 51, 0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.choose-card::before,
.rate-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  background: linear-gradient(90deg, var(--blue), var(--green));
}

.choose-card:hover,
.rate-card:hover {
  transform: translateY(-4px);
  border-color: rgba(7, 130, 60, 0.28);
  box-shadow: 0 20px 44px rgba(16, 32, 51, 0.1);
}

.choose-card span,
.rate-card span {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--green);
  font-size: 13px;
  font-weight: 900;
  text-transform: uppercase;
}

.choose-card p {
  color: var(--muted);
}

.rate-card strong {
  display: block;
  color: var(--blue-dark);
  font-size: 20px;
  line-height: 1.25;
}

.feature-list span {
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 6px;
  color: var(--blue);
  font-weight: 800;
}

.metric-board {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.metric-board div {
  min-height: 145px;
  padding: 22px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  color: var(--white);
}

.metric-board strong {
  display: block;
  font-size: 34px;
}

.metric-board span {
  color: #cfe2f5;
}

.cta-section {
  text-align: center;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: var(--white);
}

.cta-section h2 {
  max-width: 760px;
  margin: 0 auto 24px;
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 0 0 22px;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 28px;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--green);
}

.product-detail-list,
.faq-list,
.legal-copy {
  display: grid;
  gap: 20px;
}

.detail-card {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr) minmax(220px, 0.55fr) auto;
  gap: 28px;
  align-items: center;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 32px rgba(16, 32, 51, 0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.detail-thumb {
  width: 180px;
  height: 150px;
  border-radius: 8px;
  box-shadow: 0 14px 30px rgba(8, 59, 114, 0.12);
}

.values-panel,
.document-box,
.contact-card {
  padding: 28px;
}

.lead-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.lead-form label {
  display: grid;
  gap: 8px;
  font-weight: 800;
  color: var(--blue-dark);
}

.lead-form input,
.lead-form select,
.lead-form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 12px 14px;
  font: inherit;
  color: var(--ink);
  background: var(--white);
}

.lead-form input:focus,
.lead-form select:focus,
.lead-form textarea:focus {
  outline: 3px solid rgba(7, 130, 60, 0.16);
  border-color: var(--green);
}

.wide {
  grid-column: 1 / -1;
}

.consent {
  grid-template-columns: auto 1fr;
  align-items: start;
  font-weight: 500;
  color: var(--muted);
}

.consent input {
  width: auto;
  margin-top: 6px;
}

.note {
  padding: 14px;
  border-radius: 8px;
  background: var(--surface);
  color: var(--muted);
  font-size: 14px;
}

.faq-list {
  max-width: 940px;
  margin: 0 auto;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  padding: 20px 22px;
}

summary {
  cursor: pointer;
  color: var(--blue-dark);
  font-size: 18px;
  font-weight: 900;
}

details p {
  color: var(--muted);
}

.contact-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.contact-form {
  grid-column: 1 / -1;
}

.legal-copy {
  max-width: 900px;
  margin: 0 auto;
}

.apr-box,
.table-wrap {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow);
}

.apr-box p {
  color: var(--muted);
}

.table-wrap {
  overflow-x: auto;
}

.loan-table {
  width: 100%;
  min-width: 520px;
  border-collapse: collapse;
}

.loan-table th,
.loan-table td {
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
  text-align: left;
}

.loan-table th {
  width: 38%;
  color: var(--blue-dark);
  background: var(--surface);
}

.loan-table td {
  color: var(--muted);
  font-weight: 700;
}

.loan-table tr:last-child th,
.loan-table tr:last-child td {
  border-bottom: 0;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.blog-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 32px rgba(16, 32, 51, 0.07);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.blog-card:hover {
  transform: translateY(-4px);
  border-color: rgba(7, 130, 60, 0.28);
  box-shadow: 0 20px 44px rgba(16, 32, 51, 0.11);
}

.blog-photo {
  min-height: 210px;
}

.blog-content {
  padding: 24px;
}

.post-meta {
  display: block;
  margin-bottom: 10px;
  color: var(--green);
  font-size: 13px;
  font-weight: 900;
  text-transform: uppercase;
}

.blog-card p,
.article-body p {
  color: var(--muted);
}

.text-link {
  color: var(--green);
  font-weight: 900;
}

.blog-feature-band {
  min-height: 380px;
  display: flex;
  align-items: center;
  background-image:
    linear-gradient(105deg, rgba(5, 40, 79, 0.92), rgba(5, 40, 79, 0.58)),
    url("https://images.pexels.com/photos/4386324/pexels-photo-4386324.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-size: cover;
  background-position: center;
  color: var(--white);
}

.blog-feature-copy {
  max-width: 680px;
}

.blog-feature-copy p {
  color: #e5f0fb;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 36px;
  align-items: start;
}

.article-body {
  padding: 34px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.article-body h2 {
  margin-top: 30px;
  font-size: 28px;
}

.article-callout,
.article-sidebar {
  border-radius: 8px;
  border: 1px solid rgba(7, 130, 60, 0.18);
  background: rgba(7, 130, 60, 0.07);
}

.article-callout {
  margin-top: 28px;
  padding: 20px;
}

.article-sidebar {
  position: sticky;
  top: 110px;
  padding: 26px;
  background:
    linear-gradient(rgba(255, 255, 255, 0.93), rgba(255, 255, 255, 0.93)),
    url("https://images.pexels.com/photos/4386321/pexels-photo-4386321.jpeg?auto=compress&cs=tinysrgb&w=800");
  background-size: cover;
  background-position: center;
  box-shadow: 0 14px 34px rgba(8, 59, 114, 0.1);
}

.site-footer {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 28px;
  padding: 44px clamp(18px, 5vw, 72px);
  background: #071d36;
  color: #d5e2ef;
}

.site-footer img {
  width: 210px;
  margin-bottom: 12px;
  filter: brightness(1.15);
}

.site-footer h3 {
  color: var(--white);
  font-size: 16px;
}

.site-footer a {
  display: block;
  margin: 0px 0;
  color: #d5e2ef;
}

.site-footer a:hover {
  color: #74dc98;
}

.site-footer.compact {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 18px;
  padding: 28px;
}

@media (max-width: 1020px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .main-nav {
    order: 3;
    width: 100%;
    justify-content: flex-start;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .hero,
  .process-layout,
  .split,
  .form-layout {
    grid-template-columns: 1fr;
  }

  .product-grid,
  .product-grid.three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .choose-grid,
  .rates-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .detail-card {
    grid-template-columns: 1fr;
  }

  .detail-thumb {
    width: 100%;
    height: 220px;
  }

  .blog-grid,
  .article-layout {
    grid-template-columns: 1fr;
  }

  .article-sidebar {
    position: static;
  }

  .site-footer {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-main,
  .footer-bottom-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-calculator {
    grid-column: 1 / -1;
  }
}

@media (max-width: 680px) {
  .site-header {
    padding: 14px 16px;
  }

  .brand img {
    width: 185px;
    min-width: 0;
  }

  .header-cta {
    width: 100%;
  }

  .main-nav {
    gap: 16px;
    font-size: 13px;
    flex-wrap: wrap;
    overflow-x: visible;
  }

  .hero {
    min-height: auto;
    padding-top: 44px;
  }

  .hero-text {
    font-size: 17px;
  }

  .product-grid,
  .product-grid.three,
  .blog-grid,
  .choose-grid,
  .rates-grid,
  .metric-board,
  .lead-form,
  .contact-grid,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .footer-main,
  .footer-bottom-grid {
    width: min(100% - 32px, 1180px);
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer-main {
    padding-top: 42px;
  }

  .footer-brand-block img {
    width: 210px;
  }

  .footer-company-note strong {
    font-size: 24px;
  }

  .page-hero-copy {
    padding: 22px;
  }

  .section,
  .page-hero {
    padding-left: 16px;
    padding-right: 16px;
  }
}

.hero {
  animation: heroZoom 900ms ease both;
}

.hero-copy,
.eligibility-panel,
.page-hero-copy {
  animation: fadeUp 800ms ease both;
}

.eligibility-panel {
  animation-delay: 160ms;
}

.card-photo,
.detail-thumb,
.blog-photo {
  transition: transform 420ms ease;
}

.product-card:hover .card-photo,
.blog-card:hover .blog-photo,
.detail-card:hover .detail-thumb {
  transform: scale(1.04);
}

.steps li,
.metric-board div,
details {
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.steps li:hover {
  transform: translateX(4px);
  border-color: rgba(7, 130, 60, 0.26);
  box-shadow: 0 14px 30px rgba(8, 59, 114, 0.08);
}

.metric-board div:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 34px rgba(8, 59, 114, 0.18);
}

details:hover {
  transform: translateY(-2px);
  border-color: rgba(7, 130, 60, 0.26);
  box-shadow: 0 12px 28px rgba(16, 32, 51, 0.07);
}

.site-footer a {
  transition: color 180ms ease, transform 180ms ease;
}

.site-footer a:hover {
  transform: translateX(3px);
}

.premium-footer {
  display: block;
  padding: 0;
  background:
    linear-gradient(135deg, rgba(5, 40, 79, 0.98), rgba(8, 59, 114, 0.97)),
    radial-gradient(circle at 80% 12%, rgba(7, 130, 60, 0.18), transparent 30%);
  color: var(--white);
}

.footer-main,
.footer-bottom-grid {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.25fr 1.25fr 1fr 1.25fr;
  gap: 42px;
  padding: 58px 0 36px;
}

.footer-brand-block img {
  max-width: 260px;
  padding: 14px 18px;
  background: #ffffff;
  border-radius: 14px;
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.25);
  margin-bottom: 24px;
  display: inline-block;
}

.footer-brand-block {
  padding-right: 20px;
}

.footer-brand-block p {
  margin-top: 10px;
  color: #e5edf5;
  line-height: 1.9;
}

.footer-brand-block p,
.footer-office-block p,
.footer-disclaimer li,
.footer-company-note p {
  color: #e1edf8;
  font-size: 14px;
  line-height: 1.75;
}

.premium-footer h3 {
  position: relative;
  margin: 0 0 22px;
  color: var(--white);
  font-size: 18px;
}

.premium-footer h3::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -8px;
  width: 34px;
  height: 2px;
  background: var(--white);
}

.footer-links-block ul,
.footer-disclaimer ul {
  display: grid;
  gap: 0px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer-links-block li,
.footer-disclaimer li {
  position: relative;
  padding-left: 16px;
}

.footer-links-block li::before,
.footer-disclaimer li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 12px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--white);
}

.premium-footer a {
  display: inline-block;
  color: #f3f8ff;
  font-size: 14px;
  font-weight: 700;
}

.premium-footer a:hover {
  color: #74dc98;
}

.footer-social {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  display: inline-grid;
  place-items: center;
  border-radius: 8px;
  background: #083b72f7;
  color: var(--white);
  font-weight: 900;
  text-transform: uppercase;
}

.footer-social a:hover {
  color: var(--white);
  background: var(--green);
  transform: translateY(-3px);
}

.footer-divider {
  width: min(1180px, calc(100% - 36px));
  height: 1px;
  margin: 0 auto;
  background: rgba(255, 255, 255, 0.24);
}

.footer-bottom-grid {
  display: grid;
  grid-template-columns: 1.05fr 360px 1.05fr;
  gap: 44px;
  align-items: start;
  padding: 36px 0 28px;
}

.footer-calculator {
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.72);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.04);
  box-shadow: 0 20px 44px rgba(0, 0, 0, 0.12);
}

.footer-calculator label {
  display: grid;
  gap: 7px;
  margin-top: 13px;
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
}

.footer-calculator input,
.footer-calculator button,
.footer-calculator output {
  width: 100%;
  border-radius: 7px;
  font: inherit;
}

.footer-calculator input {
  padding: 12px 14px;
  border: 1px solid rgba(255, 255, 255, 0.85);
  background: rgba(255, 255, 255, 0.04);
  color: var(--white);
}

.footer-calculator small {
  display: block;
  margin-top: 5px;
  color: #cfe2f5;
  font-size: 12px;
}

.footer-calculator button {
  min-height: 42px;
  margin-top: 18px;
  border: 1px solid rgba(255, 255, 255, 0.86);
  background: transparent;
  color: var(--white);
  font-weight: 900;
  cursor: pointer;
  transition: background 180ms ease, color 180ms ease, transform 180ms ease;
}

.footer-calculator button:hover {
  background: var(--white);
  color: var(--blue-dark);
  transform: translateY(-2px);
}

.footer-calculator output {
  display: block;
  margin-top: 14px;
  padding: 13px;
  background: rgba(255, 255, 255, 0.1);
  color: #eaf4ff;
  font-weight: 800;
  text-align: center;
}

.footer-company-note strong {
  display: block;
  margin: 8px 0 10px;
  color: var(--white);
  font-size: 28px;
}

.footer-copy {
  padding: 17px;
  background: #083b72f7;
  color: var(--white);
  text-align: center;
  font-size: 13px;
  font-weight: 800;
}

.bg-city-loan {
  background-image: linear-gradient(105deg, rgba(5, 40, 79, 0.94), rgba(5, 40, 79, 0.55)), url("https://images.pexels.com/photos/4386324/pexels-photo-4386324.jpeg?auto=compress&cs=tinysrgb&w=1800");
  background-position: center;
}

.city-loan-img {
  background-image: linear-gradient(rgba(5, 40, 79, 0.04), rgba(5, 40, 79, 0.18)), url("https://images.pexels.com/photos/4386366/pexels-photo-4386366.jpeg?auto=compress&cs=tinysrgb&w=1200");
}

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 700ms ease, transform 700ms ease;
  transition-delay: var(--reveal-delay, 0ms);
}

.reveal.slide-left {
  transform: translateX(-42px);
}

.reveal.slide-right {
  transform: translateX(42px);
}

.reveal.is-visible {
  opacity: 1;
  transform: translate(0, 0);
}

@keyframes headerDrop {
  from {
    opacity: 0;
    transform: translateY(-18px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(26px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes heroZoom {
  from {
    background-size: 108%, 108%;
  }

  to {
    background-size: 100%, 100%;
  }
}

@keyframes loaderFloat {
  from {
    transform: translateY(0);
  }

  to {
    transform: translateY(-8px);
  }
}

@keyframes loaderSlide {
  0% {
    transform: translateX(-110%);
  }

  100% {
    transform: translateX(260%);
  }
}

@media (prefers-reduced-motion: reduce) {

  *,
  *::before,
  *::after {
    animation-duration: 1ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 1ms !important;
  }

  .page-loader {
    display: none;
  }

  body.is-loading {
    overflow: auto;
  }
}

/* ===== PREMIUM CTA SECTION ===== */

.premium-cta-section {
  position: relative;
  overflow: hidden;
  border-radius: 28px;
  margin: 70px auto;
  padding: 100px 60px;
  text-align: center;
  background:
    linear-gradient(rgba(3, 15, 32, 0.82), rgba(3, 15, 32, 0.82)),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?q=80&w=1600&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.18);
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top right, rgba(22, 199, 132, 0.25), transparent 30%);
}

.cta-content {
  position: relative;
  z-index: 2;
  max-width: 900px;
  margin: auto;
}

.premium-cta-section .eyebrow {
  color: #16c784;
  letter-spacing: 3px;
  font-weight: 700;
  margin-bottom: 18px;
  font-size: 14px;
}

.premium-cta-section h2 {
  color: #ffffff;
  font-size: 52px;
  line-height: 1.2;
  margin-bottom: 24px;
  font-weight: 800;
}

.premium-cta-section p {
  color: #d8e4ef;
  font-size: 18px;
  line-height: 1.9;
  max-width: 760px;
  margin: auto;
}

.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 18px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.cta-buttons .btn {
  padding: 16px 34px;
  border-radius: 12px;
  font-size: 16px;
  font-weight: 700;
  text-decoration: none;
  transition: 0.3s ease;
}

.cta-buttons .primary {
  background: #16c784;
  color: #fff;
}

.cta-buttons .primary:hover {
  transform: translateY(-3px);
  background: #11ad70;
}

.secondary-btn {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #fff;
  backdrop-filter: blur(10px);
}

.secondary-btn:hover {
  background: rgba(255, 255, 255, 0.2);
  transform: translateY(-3px);
}

.cta-features {
  display: flex;
  justify-content: center;
  gap: 28px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.cta-features span {
  color: #ffffff;
  font-size: 15px;
  background: rgba(255, 255, 255, 0.08);
  padding: 10px 18px;
  border-radius: 50px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

/* ===== MOBILE ===== */

@media(max-width: 768px) {

  .premium-cta-section {
    padding: 70px 25px;
  }

  .premium-cta-section h2 {
    font-size: 34px;
  }

  .premium-cta-section p {
    font-size: 16px;
  }

  .cta-features {
    gap: 14px;
  }

  .cta-features span {
    width: 100%;
  }
}

/* ===== HEADER ===== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: #ffffff;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 5%;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.06);
}

.brand img {
  max-width: 210px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.main-nav a {
  text-decoration: none;
  color: #071421;
  font-size: 15px;
  font-weight: 600;
  transition: 0.3s ease;
}

.main-nav a:hover,
.main-nav a.active {
  color: #16c784;
}

.header-cta,
.mobile-btn {
  background: #16c784;
  color: #fff !important;
  padding: 13px 24px;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 700;
  transition: 0.3s ease;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.header-login-btn {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border: 1px solid #dce6ef;
  border-radius: 10px;
  color: #083b72;
  background: #fff;
  font-weight: 800;
  text-decoration: none;
  transition: 0.3s ease;
}

.header-login-btn:hover {
  border-color: #083b72;
  transform: translateY(-2px);
}

.site-user-menu {
  position: relative;
}

.site-user-trigger {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 12px;
  border: 1px solid #dce6ef;
  border-radius: 10px;
  color: #071421;
  background: #fff;
  font-weight: 800;
  cursor: pointer;
}

.site-user-trigger img {
  width: 32px;
  height: 32px;
  border-radius: 50%;
}

.site-user-dropdown {
  position: absolute;
  top: calc(100% + 12px);
  right: 0;
  min-width: 240px;
  display: none;
  padding: 10px;
  border: 1px solid #dce6ef;
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 18px 45px rgba(8, 59, 114, 0.14);
}

.site-user-menu:hover .site-user-dropdown,
.site-user-menu:focus-within .site-user-dropdown {
  display: block;
}

.site-user-meta {
  padding: 10px;
  border-bottom: 1px solid #dce6ef;
}

.site-user-meta strong,
.site-user-meta small {
  display: block;
}

.site-user-meta small {
  color: #5e6b7c;
  margin-top: 3px;
}

.site-user-dropdown a,
.site-user-dropdown button {
  width: 100%;
  display: block;
  padding: 11px 10px;
  border: 0;
  border-radius: 8px;
  color: #071421;
  background: transparent;
  text-align: left;
  font: inherit;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
}

.site-user-dropdown a:hover,
.site-user-dropdown button:hover {
  background: #f5f9fc;
  color: #07823c;
}

.header-cta:hover,
.mobile-btn:hover {
  background: #0ea76a;
  transform: translateY(-2px);
}

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  background: #fff;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  color: #071421;
}

.menu-toggle span {
  width: 22px;
  height: 2px;
  display: block;
  background: #071421;
}

.mobile-btn {
  display: none;
}

.mobile-account-link {
  display: none;
}

/* ===== MOBILE ===== */

@media(max-width: 992px) {

  .menu-toggle {
    display: inline-flex;
  }

  .desktop-btn {
    display: none;
  }

  .header-login-btn,
  .site-user-menu {
    display: none;
  }

  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background: #ffffff;
    flex-direction: column;
    align-items: flex-start;
    padding: 25px 5%;
    gap: 18px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);

    display: none;
  }

  .main-nav.active {
    display: flex;
  }

  .mobile-btn {
    display: inline-block;
    margin-top: 10px;
  }

  .mobile-account-link {
    display: inline-block;
    color: #083b72 !important;
  }

  .brand img {
    max-width: 170px;
  }
}