:root{
  --navy:#0d2538;
  --navy-2:#15364e;
  --green:#2f7a5f;
  --green-dark:#246249;
  --mint:#eaf5f0;
  --cream:#f7f8f5;
  --white:#ffffff;
  --ink:#13222d;
  --muted:#5f6d76;
  --line:#dbe3df;
  --shadow:0 18px 55px rgba(13,37,56,.10);
  --radius:22px;
}
*{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(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
button,input,textarea,select{font:inherit}
.container{width:min(1160px,calc(100% - 40px));margin:0 auto}
.eyebrow{margin:0 0 12px;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:var(--green)}
.section{padding:92px 0}
.section.alt{background:var(--cream)}
.section-title{max-width:760px;margin-bottom:44px}
.section-title h2{font-size:clamp(2rem,4vw,3rem);line-height:1.1;margin:0 0 16px;color:var(--navy)}
.section-title p{margin:0;color:var(--muted);font-size:1.05rem}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(219,227,223,.85)}
.navbar{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.02em;color:var(--navy)}
.brand-mark{width:42px;height:42px;border-radius:13px;background:linear-gradient(145deg,var(--green),var(--green-dark));display:grid;place-items:center;box-shadow:0 8px 20px rgba(47,122,95,.22)}
.brand-mark svg{width:24px;height:24px}
.brand-text{font-size:1.08rem}
.nav-links{display:flex;align-items:center;gap:28px;font-size:.95rem;font-weight:650;color:#30424d}
.nav-links a:not(.btn):hover{color:var(--green)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:1px solid transparent;border-radius:999px;padding:13px 22px;font-weight:750;line-height:1.1;transition:.2s ease;cursor:pointer}
.btn-primary{background:var(--green);color:var(--white);box-shadow:0 8px 22px rgba(47,122,95,.22)}
.btn-primary:hover{background:var(--green-dark);transform:translateY(-1px)}
.btn-secondary{background:var(--white);color:var(--navy);border-color:#cfdad5}
.btn-secondary:hover{border-color:var(--green);color:var(--green)}
.btn-lg{padding:16px 26px}
.mobile-toggle{display:none;border:0;background:none;padding:8px;color:var(--navy);cursor:pointer}
.mobile-toggle span{display:block;width:24px;height:2px;background:currentColor;margin:5px 0;border-radius:3px}

.hero{position:relative;overflow:hidden;padding:92px 0 78px;background:linear-gradient(120deg,#f7faf8 0%,#ffffff 58%,#eef6f2 100%)}
.hero::after{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-220px;top:-250px;background:radial-gradient(circle,rgba(47,122,95,.16),rgba(47,122,95,0) 68%)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:68px}
.hero h1{font-size:clamp(2.8rem,6vw,5.3rem);line-height:.98;letter-spacing:-.055em;margin:0 0 22px;color:var(--navy);max-width:760px}
.hero h1 span{color:var(--green)}
.hero-copy{font-size:1.16rem;color:var(--muted);max-width:650px;margin:0 0 30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.hero-note{display:flex;gap:18px;flex-wrap:wrap;color:#4d5d67;font-size:.9rem}
.hero-note span{display:flex;align-items:center;gap:7px}
.hero-note i{width:7px;height:7px;border-radius:50%;background:var(--green);display:inline-block}
.hero-card{background:var(--navy);color:white;border-radius:32px;padding:34px;box-shadow:0 30px 80px rgba(13,37,56,.22);position:relative;overflow:hidden}
.hero-card::after{content:"";position:absolute;inset:auto -70px -80px auto;width:250px;height:250px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero-card h3{font-size:1.7rem;margin:0 0 10px}
.hero-card>p{color:#c8d5dc;margin:0 0 26px}
.loan-choice{display:grid;gap:12px;position:relative;z-index:1}
.loan-choice a{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:18px;border-radius:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.11);transition:.2s}
.loan-choice a:hover{background:rgba(255,255,255,.14);transform:translateX(3px)}
.loan-choice strong{display:block;font-size:1rem}
.loan-choice small{display:block;color:#bed0da;margin-top:3px}
.arrow{font-size:1.35rem}

.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust-grid{min-height:112px;display:grid;grid-template-columns:repeat(3,1fr);align-items:center}
.trust-item{padding:22px 30px;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:0}
.trust-item strong{display:block;color:var(--navy);font-size:1.08rem;margin-bottom:4px}
.trust-item span{color:var(--muted);font-size:.92rem}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 30px rgba(13,37,56,.04)}
.card-icon{width:48px;height:48px;border-radius:15px;background:var(--mint);display:grid;place-items:center;color:var(--green);font-size:1.35rem;margin-bottom:20px}
.card h3{margin:0 0 10px;color:var(--navy);font-size:1.25rem}
.card p{margin:0;color:var(--muted)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.feature-panel{background:linear-gradient(145deg,var(--navy),var(--navy-2));color:white;border-radius:30px;padding:38px;box-shadow:var(--shadow)}
.feature-panel h3{font-size:2rem;line-height:1.12;margin:0 0 14px}
.feature-panel p{color:#c9d6dc;margin:0 0 28px}
.step-list{display:grid;gap:16px}
.step{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:start}
.step-number{width:42px;height:42px;border-radius:13px;background:rgba(255,255,255,.1);display:grid;place-items:center;font-weight:800;color:#cde8db}
.step h4{margin:2px 0 4px;font-size:1.05rem}
.step p{margin:0;color:#becdd5;font-size:.93rem}
.check-list{display:grid;gap:15px;margin-top:24px}
.check-item{display:flex;gap:12px;align-items:flex-start;color:#46565f}
.check-icon{flex:0 0 24px;width:24px;height:24px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;font-size:.8rem;font-weight:900;margin-top:2px}

.cta{padding:82px 0}
.cta-box{background:var(--green);color:white;border-radius:30px;padding:48px;display:flex;align-items:center;justify-content:space-between;gap:30px;box-shadow:0 24px 60px rgba(47,122,95,.22)}
.cta-box h2{margin:0 0 10px;font-size:clamp(2rem,4vw,3rem);line-height:1.06}
.cta-box p{margin:0;color:#e3f1ea;max-width:700px}
.cta-box .btn{background:white;color:var(--navy);white-space:nowrap}

.page-hero{padding:74px 0 56px;background:linear-gradient(135deg,#f6faf8,#edf5f1)}
.page-hero .container{max-width:900px;text-align:center}
.page-hero h1{font-size:clamp(2.5rem,5vw,4.2rem);line-height:1.04;letter-spacing:-.045em;margin:0 0 16px;color:var(--navy)}
.page-hero p{font-size:1.1rem;color:var(--muted);margin:0 auto;max-width:720px}
.form-section{padding:52px 0 88px;background:#fff}
.form-shell{max-width:980px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:26px;padding:26px;box-shadow:var(--shadow)}
.form-intro{display:flex;justify-content:space-between;gap:24px;align-items:flex-start;border-bottom:1px solid var(--line);padding:6px 6px 24px;margin-bottom:22px}
.form-intro h2{margin:0 0 5px;color:var(--navy);font-size:1.45rem}
.form-intro p{margin:0;color:var(--muted);font-size:.94rem}
.security-pill{white-space:nowrap;background:var(--mint);color:var(--green-dark);border-radius:999px;padding:8px 12px;font-size:.82rem;font-weight:750}
.form-embed{min-height:700px}

.faq{display:grid;gap:12px;max-width:860px}
details{border:1px solid var(--line);border-radius:16px;background:#fff;padding:0 20px}
summary{cursor:pointer;list-style:none;font-weight:750;color:var(--navy);padding:20px 28px 20px 0;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:16px;font-size:1.5rem;color:var(--green)}
details[open] summary::after{content:"−"}
details p{margin:0;padding:0 0 20px;color:var(--muted)}

.site-footer{background:#0a1c2a;color:#d3dce1;padding:58px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:50px;padding-bottom:40px}
.footer-brand p{color:#9fb0ba;max-width:520px;margin:18px 0 0}
.footer-title{font-size:.85rem;text-transform:uppercase;letter-spacing:.11em;color:#91a6b2;margin:3px 0 14px;font-weight:800}
.footer-links{display:grid;gap:10px;color:#d9e2e6}
.footer-links a:hover{color:#a9dac3}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem;color:#8fa1ab}

@media (max-width:900px){
  .hero-grid,.split{grid-template-columns:1fr;gap:42px}
  .hero{padding-top:70px}
  .hero-card{max-width:620px}
  .cards{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:1fr}
  .trust-item{border-right:0;border-bottom:1px solid var(--line)}
  .trust-item:last-child{border-bottom:0}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:760px){
  .container{width:min(100% - 28px,1160px)}
  .section{padding:70px 0}
  .navbar{min-height:70px}
  .mobile-toggle{display:block}
  .nav-links{position:absolute;left:14px;right:14px;top:78px;display:none;flex-direction:column;align-items:stretch;gap:4px;background:white;border:1px solid var(--line);border-radius:18px;padding:14px;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links>a{padding:10px 12px}
  .nav-links .btn{margin-top:5px}
  .hero{padding:62px 0 58px}
  .hero h1{font-size:clamp(2.55rem,13vw,4rem)}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn{width:100%}
  .hero-card{padding:26px;border-radius:24px}
  .cards{grid-template-columns:1fr}
  .cta-box{padding:34px 26px;flex-direction:column;align-items:flex-start}
  .form-shell{padding:16px;border-radius:20px}
  .form-intro{flex-direction:column}
  .footer-grid{grid-template-columns:1fr}
  .footer-brand{grid-column:auto}
}

/* additions */
.trust-item strong.big{font-size:1.7rem;color:var(--green);letter-spacing:-.02em}
.cards-4{grid-template-columns:repeat(2,1fr)}
.uses{margin-top:48px}
.uses h3{color:var(--navy);margin:0 0 14px;font-size:1.25rem}
.tags{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0 0 18px}
.tags li{background:var(--mint);color:var(--green-dark);border-radius:999px;padding:8px 16px;font-weight:600;font-size:.93rem}
.uses-note{color:var(--muted);margin:0 0 26px;max-width:720px}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px}
.cta-box .btn-outline-light{background:transparent;color:white;border-color:rgba(255,255,255,.7)}
.cta-box .btn-outline-light:hover{background:white;color:var(--navy)}
@media (max-width:760px){.cards-4{grid-template-columns:1fr}.cta-actions{flex-direction:column;width:100%}.cta-actions .btn{width:100%}}

/* photos */
.hero-photo{background:#fff}
.hero-photo::after{display:none}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right center;z-index:0}
.hero-photo::before{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.9) 38%,rgba(255,255,255,0) 62%)}
.hero-photo .hero-grid{grid-template-columns:1fr;min-height:540px}
.hero-photo .hero-grid>div{max-width:600px}
.paths-sec{padding:72px 0 0}
.path-card{max-width:860px;margin:0 auto}
.path-card .loan-choice{grid-template-columns:1fr 1fr}
.rounded-img{width:100%;height:auto;border-radius:24px;box-shadow:var(--shadow);object-fit:cover}
.uses-split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;margin-top:48px}
.uses-split .uses{margin-top:0}
.banner-img{aspect-ratio:21/9;margin-bottom:28px}
@media (max-width:900px){
  .uses-split{grid-template-columns:1fr;gap:30px}
  .path-card .loan-choice{grid-template-columns:1fr}
}
@media (max-width:760px){
  .hero-photo{padding-top:0}
  .hero-bg{position:static;display:block;height:auto;aspect-ratio:4/3;object-position:78% center}
  .hero-photo::before{display:none}
  .hero-photo .hero-grid{min-height:0;padding-top:34px}
  .banner-img{aspect-ratio:4/3}
}