/* ── TOKENS ─────────────────────────────────────────────────── */
:root{
  --purple:   #492467;
  --purple-d: #3a1a52;
  --purple-l: #5c2d7e;
  --navy:     #1a2c54;
  --navy-l:   #243868;
  --slate:    #53617f;
  --border:   #c6cad4;
  --bg:       #faf9f5;
  --white:    #ffffff;
  --gold:     #f5a623;
  --r:        6px;
  --t:        200ms ease;
  --shadow:   0 4px 24px rgba(26,44,84,.12);
  --shadow-lg:0 8px 48px rgba(26,44,84,.18);
  --max:      1140px;
}

/* ── RESET ──────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Roboto',Arial,sans-serif;font-weight:400;color:var(--slate);background:#fff;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto;object-fit:cover}
a{color:inherit;text-decoration:none}
ul{list-style:none}
:focus-visible{outline:2px solid var(--purple);outline-offset:3px;border-radius:3px}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* ── UTIL ───────────────────────────────────────────────────── */
.wrap{max-width:var(--max);margin:0 auto;padding:0 28px}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--purple);display:block;margin-bottom:10px}
.eyebrow--white{color:rgba(255,255,255,.7)}

/* ── SCROLL REVEAL ──────────────────────────────────────────── */
/* Elements start visible; JS class activates the animation */
.sr{opacity:1;transform:none;transition:opacity .65s ease,transform .65s ease}
.js .sr{opacity:0;transform:translateY(28px)}
.js .sr.visible{opacity:1;transform:none}
.js .sr-l{opacity:0;transform:translateX(-28px);transition:opacity .65s ease,transform .65s ease}
.js .sr-l.visible{opacity:1;transform:none}
.js .sr-r{opacity:0;transform:translateX(28px);transition:opacity .65s ease,transform .65s ease}
.js .sr-r.visible{opacity:1;transform:none}
.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}.d4{transition-delay:.4s}.d5{transition-delay:.5s}

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 28px;font-family:inherit;font-size:14px;font-weight:600;border-radius:var(--r);border:2px solid transparent;cursor:pointer;transition:transform var(--t),background var(--t),box-shadow var(--t),color var(--t),border-color var(--t);white-space:nowrap;line-height:1}
.btn:hover{transform:translateY(-1px)}
.btn--navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--navy:hover{background:var(--navy-l);box-shadow:var(--shadow)}
.btn--purple{background:var(--purple);color:#fff;border-color:var(--purple)}
.btn--purple:hover{background:var(--purple-l);box-shadow:var(--shadow)}
.btn--outline-white{background:transparent;color:#fff;border-color:#fff}
.btn--outline-white:hover{background:rgba(255,255,255,.12)}
.btn--outline-navy{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--outline-navy:hover{background:var(--navy);color:#fff}
.btn--outline-purple{background:transparent;color:var(--purple);border-color:var(--purple)}
.btn--outline-purple:hover{background:var(--purple);color:#fff}

/* ── NAV ────────────────────────────────────────────────────── */
#nav{position:fixed;inset:0 0 auto;z-index:100;background:#fff;transition:box-shadow var(--t)}
#nav.solid{box-shadow:0 2px 16px rgba(26,44,84,.1)}
.nav-inner{max-width:var(--max);margin:0 auto;padding:0 28px;display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}
.nav-brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-mark{width:44px;height:44px;border-radius:var(--r);background:var(--purple);color:#fff;font-weight:900;font-size:16px;display:flex;align-items:center;justify-content:center;letter-spacing:-.5px}
.nav-name{font-size:15px;font-weight:700;color:var(--navy);line-height:1.2}
.nav-sub{font-size:11px;color:var(--slate);font-weight:400}
.nav-links{display:flex;align-items:center;gap:28px;flex:1;justify-content:center}
.nav-links a{font-size:14px;font-weight:500;color:var(--navy);transition:color var(--t)}
.nav-links a:hover{color:var(--purple)}
.nav-cta{flex-shrink:0}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;padding:6px;cursor:pointer}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform var(--t),opacity var(--t)}
.mobile-menu{display:none;flex-direction:column;padding:12px 28px 20px;border-top:1px solid var(--border);background:#fff}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:12px 0;font-size:15px;font-weight:500;color:var(--navy);border-bottom:1px solid var(--border)}
.mobile-menu a:hover{color:var(--purple)}
.mobile-menu .btn{margin-top:16px;justify-content:center}
@media(max-width:860px){.nav-links{display:none}.hamburger{display:flex}.nav-cta{display:none}}

/* ── HERO ───────────────────────────────────────────────────── */
#hero{position:relative;min-height:calc(100vh - 72px);margin-top:72px;display:flex;flex-direction:column;overflow:hidden}
.hero-body{flex:1;display:grid;grid-template-columns:52% 48%;min-height:560px}

/* Purple card */
.hero-card{
  background:var(--purple);
  padding:72px 56px 72px 28px;
  display:flex;align-items:center;
  position:relative;z-index:1;
  clip-path:polygon(0 0, 100% 0, 88% 100%, 0 100%);
}
.hero-card-wrap{max-width:520px}
.hero-powered{
  display:inline-flex;align-items:center;gap:8px;
  font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:rgba(255,255,255,.75);margin-bottom:20px;
}
.hero-powered svg{width:14px;height:14px;flex-shrink:0;opacity:.8}
.hero-powered a{color:rgba(255,255,255,.9);text-decoration:underline;text-underline-offset:3px}
.hero-powered a:hover{color:#fff}
.hero-h1{font-size:clamp(36px,4.5vw,58px);font-weight:900;line-height:1.05;color:#fff;letter-spacing:-.5px;margin-bottom:20px}
.hero-sub{font-size:17px;font-weight:300;color:rgba(255,255,255,.82);line-height:1.7;margin-bottom:36px;max-width:440px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}

/* Entrance animations for hero text */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:none}}
.hero-powered{animation:fadeUp .6s .1s both}
.hero-h1{animation:fadeUp .6s .2s both}
.hero-sub{animation:fadeUp .6s .35s both}
.hero-btns{animation:fadeUp .6s .5s both}

/* Photo */
.hero-photo{position:relative;overflow:hidden}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center;
  animation:kenBurns 12s ease both}
@keyframes kenBurns{from{transform:scale(1.06)}to{transform:scale(1)}}
.hero-photo-overlay{position:absolute;inset:0;background:linear-gradient(to right,rgba(73,36,103,.35) 0%,transparent 50%)}

/* Stats bar */
.hero-stats{background:var(--navy);padding:0}
.hero-stats-inner{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.08)}
.hero-stat{padding:24px 20px;text-align:center;border-right:1px solid rgba(255,255,255,.1)}
.hero-stat:last-child{border-right:none}
.hero-stat-num{font-size:32px;font-weight:900;color:#fff;letter-spacing:-1px;line-height:1;margin-bottom:4px}
.hero-stat-label{font-size:11px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.55)}

@media(max-width:860px){
  .hero-body{grid-template-columns:1fr}
  .hero-card{clip-path:none;padding:56px 28px 48px}
  .hero-photo{min-height:320px}
  .hero-photo img{height:100%;min-height:320px}
  .hero-stats-inner{grid-template-columns:1fr 1fr}
  .hero-stat:nth-child(2){border-right:none}
}

/* ── NAVY BAND ──────────────────────────────────────────────── */
#band{background:var(--navy);padding:64px 0}
.band-text{font-size:clamp(18px,2.4vw,26px);font-weight:300;color:rgba(255,255,255,.85);text-align:center;max-width:780px;margin:0 auto;line-height:1.7}
.band-text em{font-style:italic;color:#fff;font-weight:500}

/* ── SPLIT: PHOTO LEFT + NAVY CARD RIGHT ────────────────────── */
#split{display:grid;grid-template-columns:1fr 1fr}
.split-photo{overflow:hidden;min-height:520px;position:relative}
.split-photo img{width:100%;height:100%;object-fit:cover;object-position:center top;transition:transform 600ms ease}
.split-photo:hover img{transform:scale(1.03)}
.split-content{background:var(--navy);padding:72px 60px;display:flex;align-items:center}
.split-inner{max-width:460px}
.split-inner .eyebrow--white{margin-bottom:16px}
.split-h2{font-size:clamp(28px,3vw,40px);font-weight:900;color:#fff;line-height:1.1;letter-spacing:-.5px;margin-bottom:20px}
.split-body{font-size:15px;font-weight:300;color:rgba(255,255,255,.75);line-height:1.75;margin-bottom:36px}
@media(max-width:768px){
  #split{grid-template-columns:1fr}
  .split-photo{min-height:280px}
  .split-content{padding:48px 28px}
}

/* ── FEATURES ───────────────────────────────────────────────── */
#features{background:#fff;padding:96px 0}
.features-header{text-align:center;max-width:620px;margin:0 auto 56px}
.features-eyebrow{display:block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--purple);margin-bottom:10px}
.features-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.features-sub{font-size:15px;color:var(--slate);line-height:1.7}
.features-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:1px solid var(--border)}
.feature-item{display:grid;grid-template-columns:48px 1fr;gap:20px;align-items:start;padding:32px 28px;border-bottom:1px solid var(--border);transition:background var(--t)}
.feature-item:hover{background:var(--bg)}
.feature-item:nth-child(odd){border-right:1px solid var(--border)}
.feature-icon{width:48px;height:48px;border-radius:var(--r);background:rgba(73,36,103,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.feature-icon svg{width:22px;height:22px;color:var(--purple)}
.feature-h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:6px}
.feature-p{font-size:13px;color:var(--slate);line-height:1.65}
@media(max-width:640px){
  .features-grid{grid-template-columns:1fr}
  .feature-item:nth-child(odd){border-right:none}
}

/* ── ABOUT ──────────────────────────────────────────────────── */
#about{background:var(--bg);padding:96px 0}
.about-grid{display:grid;grid-template-columns:420px 1fr;gap:72px;align-items:start}
.about-photo-col{position:relative}
.about-photo-wrap{border-radius:12px;overflow:hidden;aspect-ratio:4/5;background:linear-gradient(160deg,var(--purple-d),var(--purple-l));display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-lg)}
.about-initials{font-size:80px;font-weight:900;color:rgba(255,255,255,.2);letter-spacing:-4px;user-select:none}
.about-photo-wrap img{width:100%;height:100%;object-fit:cover;object-position:top}
.about-cred-card{position:absolute;bottom:-20px;right:-20px;background:#fff;border-radius:var(--r);padding:18px 22px;box-shadow:var(--shadow);border:1px solid var(--border);min-width:180px}
.about-cred-num{font-size:30px;font-weight:900;color:var(--purple);letter-spacing:-1px;line-height:1}
.about-cred-label{font-size:11px;color:var(--slate);margin-top:4px;line-height:1.4}
.about-tag-row{display:flex;gap:8px;margin-bottom:24px;flex-wrap:wrap}
.about-tag{display:inline-block;background:rgba(73,36,103,.08);color:var(--purple);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:100px}
.about-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:20px;line-height:1.1}
.about-p{font-size:15px;color:var(--slate);line-height:1.8;margin-bottom:16px}
.cred-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:32px}
.cred-item{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:16px 18px;display:flex;align-items:flex-start;gap:12px;transition:box-shadow var(--t)}
.cred-item:hover{box-shadow:var(--shadow)}
.cred-icon{width:36px;height:36px;border-radius:var(--r);background:rgba(73,36,103,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cred-icon svg{width:16px;height:16px;color:var(--purple)}
.cred-label{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:3px}
.cred-val{font-size:13px;font-weight:700;color:var(--navy)}
@media(max-width:900px){
  .about-grid{grid-template-columns:1fr;gap:48px}
  .about-photo-wrap{max-width:380px;margin:0 auto}
  .about-cred-card{right:0}
  .cred-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){.cred-grid{grid-template-columns:1fr}}

/* ── PROCESS ────────────────────────────────────────────────── */
#process{background:#fff;padding:96px 0}
.process-header{text-align:center;max-width:560px;margin:0 auto 56px}
.process-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.process-sub{font-size:15px;color:var(--slate)}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--border);border-radius:var(--r)}
.process-step{padding:36px 28px;border-right:1px solid var(--border);position:relative;overflow:hidden;transition:background var(--t)}
.process-step:last-child{border-right:none}
.process-step::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--purple);transform:scaleX(0);transform-origin:left;transition:transform 360ms ease}
.process-step:hover{background:var(--bg)}
.process-step:hover::after{transform:scaleX(1)}
.step-num{font-size:52px;font-weight:900;color:rgba(73,36,103,.08);line-height:1;margin-bottom:14px;letter-spacing:-2px}
.step-icon{width:44px;height:44px;border-radius:var(--r);background:rgba(73,36,103,.08);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.step-icon svg{width:20px;height:20px;color:var(--purple)}
.step-h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px}
.step-p{font-size:13px;color:var(--slate);line-height:1.65}
@media(max-width:768px){
  .process-steps{grid-template-columns:1fr 1fr}
  .process-step:nth-child(2){border-right:none}
}
@media(max-width:480px){
  .process-steps{grid-template-columns:1fr}
  .process-step{border-right:none;border-bottom:1px solid var(--border)}
  .process-step:last-child{border-bottom:none}
}

/* ── TESTIMONIALS ───────────────────────────────────────────── */
#testimonials{background:var(--bg);padding:96px 0}
.testimonials-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:48px;gap:24px;flex-wrap:wrap}
.t-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px}
.t-controls{display:flex;gap:10px;align-items:center}
.t-btn{width:42px;height:42px;border-radius:50%;border:1.5px solid var(--border);background:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:border-color var(--t),background var(--t)}
.t-btn:hover{border-color:var(--purple);background:var(--purple)}
.t-btn:hover svg{color:#fff}
.t-btn svg{width:16px;height:16px;color:var(--navy);transition:color var(--t)}
.t-overflow{overflow:hidden}
.t-track{display:flex;gap:20px;transition:transform 400ms cubic-bezier(.4,0,.2,1)}
.t-card{flex:0 0 calc(33.33% - 14px);background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:32px 28px;transition:box-shadow var(--t),border-color var(--t)}
.t-card:hover{box-shadow:var(--shadow);border-color:rgba(73,36,103,.2)}
.t-stars{display:flex;gap:2px;margin-bottom:14px}
.t-stars svg{width:15px;height:15px;fill:var(--gold);color:var(--gold)}
.t-quote{font-size:14px;font-style:italic;color:var(--slate);line-height:1.75;margin-bottom:22px}
.t-author{display:flex;align-items:center;gap:12px}
.t-av{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-l));color:#fff;font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.t-name{font-size:13px;font-weight:700;color:var(--navy)}
.t-role{font-size:11px;color:var(--slate);margin-top:1px}
.t-dots{display:flex;gap:7px;justify-content:center;margin-top:32px}
.t-dot{width:7px;height:7px;border-radius:50%;background:var(--border);cursor:pointer;border:none;transition:background var(--t),width var(--t)}
.t-dot.on{background:var(--purple);width:22px;border-radius:4px}
@media(max-width:800px){.t-card{flex:0 0 100%}}

/* ── LOAN TYPES ─────────────────────────────────────────────── */
#loans{background:#fff;padding:96px 0}
.loans-header{text-align:center;max-width:560px;margin:0 auto 52px}
.loans-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.loans-sub{font-size:15px;color:var(--slate)}
.loans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.loan-card{border:1.5px solid var(--border);border-radius:var(--r);overflow:hidden;padding:0;transition:border-color var(--t),box-shadow var(--t),transform var(--t);display:block}
.loan-card:hover{border-color:var(--purple);box-shadow:var(--shadow);transform:translateY(-4px)}
.loan-img{aspect-ratio:3/2;overflow:hidden;background:var(--bg);position:relative}
.loan-img img{width:100%;height:100%;object-fit:cover;transition:transform 600ms ease}
.loan-card:hover .loan-img img{transform:scale(1.04)}
.loan-body{padding:20px 20px 24px}
.loan-h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px}
.loan-p{font-size:13px;color:var(--slate);line-height:1.65}
.loan-link{font-size:12px;font-weight:700;color:var(--purple);margin-top:10px;display:inline-block}
@media(max-width:768px){.loans-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.loans-grid{grid-template-columns:1fr}}

/* ── SPLIT CTA ──────────────────────────────────────────────── */
#cta{display:grid;grid-template-columns:1fr 1fr}
.cta-left{background:var(--purple);padding:80px 60px;display:flex;align-items:center}
.cta-left-inner{max-width:440px}
.cta-left-h2{font-size:clamp(26px,3vw,40px);font-weight:900;color:#fff;letter-spacing:-.5px;line-height:1.1;margin-bottom:16px}
.cta-left-p{font-size:15px;font-weight:300;color:rgba(255,255,255,.78);line-height:1.7;margin-bottom:32px}
.cta-right{background:#fff;padding:80px 60px;display:flex;align-items:center}
.cta-right-inner{max-width:480px;width:100%}
.cta-right-h3{font-size:24px;font-weight:900;color:var(--navy);margin-bottom:6px}
.cta-form-sub{font-size:13px;color:var(--slate);margin-bottom:28px}
/* Form */
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-field{margin-bottom:14px}
.form-field label{display:block;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);margin-bottom:6px}
.form-field input,.form-field select,.form-field textarea{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:var(--r);font-family:inherit;font-size:14px;color:var(--navy);background:#fff;transition:border-color var(--t),box-shadow var(--t)}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--purple);box-shadow:0 0 0 3px rgba(73,36,103,.1)}
.form-field input::placeholder,.form-field textarea::placeholder{color:var(--border)}
.form-field textarea{resize:vertical;min-height:90px}
.form-submit{width:100%;padding:14px;background:var(--purple);color:#fff;font-family:inherit;font-size:15px;font-weight:700;border:none;border-radius:var(--r);cursor:pointer;transition:background var(--t),transform var(--t),box-shadow var(--t);display:flex;align-items:center;justify-content:center;gap:8px}
.form-submit:hover{background:var(--purple-l);transform:translateY(-1px);box-shadow:0 6px 20px rgba(73,36,103,.3)}
.form-submit:disabled{opacity:.6;cursor:not-allowed;transform:none}
.form-success{display:none;text-align:center;padding:32px 20px}
.form-success svg{width:48px;height:48px;color:var(--purple);margin:0 auto 14px}
.form-success h3{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:8px}
.form-success p{font-size:14px;color:var(--slate)}
.form-error{display:none;background:#fdecea;border:1px solid #f5c2c0;color:#8a2c22;font-size:13px;padding:12px 14px;border-radius:var(--r);margin-bottom:14px}
@media(max-width:900px){
  #cta{grid-template-columns:1fr}
  .cta-left,.cta-right{padding:56px 28px}
  .form-row{grid-template-columns:1fr}
}

/* ── FLOATING CTA ───────────────────────────────────────────── */
#float-cta{position:fixed;bottom:28px;right:28px;z-index:99;display:flex;align-items:center;gap:8px;background:var(--navy);color:#fff;padding:13px 22px;border-radius:100px;font-size:13px;font-weight:600;box-shadow:0 4px 24px rgba(26,44,84,.35);transition:transform var(--t),box-shadow var(--t);cursor:pointer;border:none;font-family:inherit}
#float-cta:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(26,44,84,.45)}
#float-cta svg{width:16px;height:16px;flex-shrink:0;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.25)}}

/* ── BLOG ───────────────────────────────────────────────────── */
#blog{background:var(--bg);padding:96px 0}
.blog-header{text-align:center;max-width:600px;margin:0 auto 52px}
.blog-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.blog-sub{font-size:15px;color:var(--slate);line-height:1.7}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:48px}
.blog-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow var(--t),transform var(--t),border-color var(--t);color:inherit}
.blog-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px);border-color:rgba(73,36,103,.2)}
.blog-card-img{padding-top:56.25%;background:linear-gradient(135deg,var(--purple-d) 0%,var(--navy-l) 100%);overflow:hidden;position:relative}
.blog-card-img img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;object-position:center}
.blog-card-img svg{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:44px;height:44px;color:rgba(255,255,255,.2)}
.blog-body{padding:22px 22px 26px;flex:1;display:flex;flex-direction:column;gap:8px}
.blog-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.blog-cat{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;background:rgba(73,36,103,.1);color:var(--purple);padding:4px 10px;border-radius:100px}
.blog-date{font-size:11px;color:var(--slate)}
.blog-title{font-size:16px;font-weight:700;color:var(--navy);line-height:1.35}
.blog-excerpt{font-size:13px;color:var(--slate);line-height:1.7;flex:1}
.blog-read-more{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--purple);margin-top:4px;transition:gap var(--t)}
.blog-read-more:hover{gap:10px;color:var(--purple-d)}
.blog-read-more svg{width:14px;height:14px}
.blog-empty{text-align:center;padding:60px 20px;color:var(--slate);grid-column:1/-1;font-size:15px}
.blog-cta{text-align:center}
@media(max-width:900px){.blog-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.blog-grid{grid-template-columns:1fr}}

/* ── SOCIAL MEDIA ───────────────────────────────────────────── */
#social{background:#fff;padding:96px 0}
.social-header{text-align:center;max-width:600px;margin:0 auto 52px}
.social-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.social-sub{font-size:15px;color:var(--slate);line-height:1.7}
.social-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.social-card{border:1.5px solid var(--border);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow var(--t),transform var(--t)}
.social-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.social-card-top{display:flex;align-items:center;gap:12px;padding:16px 20px 14px;border-bottom:1px solid var(--border)}
.social-icon-wrap{width:38px;height:38px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.social-icon-wrap svg{width:19px;height:19px}
.social-name{font-size:14px;font-weight:700;color:var(--navy)}
.social-handle{font-size:11px;color:var(--slate);margin-top:1px}
.social-preview{padding:16px 20px 18px;background:var(--bg);flex:1;min-height:100px}
.social-preview-text{font-size:13px;color:#374151;line-height:1.65}
.social-preview-tags{margin-top:8px;font-size:12px;font-weight:600}
.social-card-footer{display:flex;align-items:center;gap:8px;padding:12px 20px;border-top:1px solid var(--border)}
.social-btn-follow{flex:1;display:flex;align-items:center;justify-content:center;gap:7px;padding:9px 12px;font-family:inherit;font-size:12px;font-weight:700;border-radius:5px;border:1.5px solid var(--border);background:#fff;color:var(--navy);cursor:pointer;text-decoration:none;transition:all var(--t)}
.social-btn-follow:hover{transform:translateY(-1px)}
.social-btn-follow svg{width:13px;height:13px}
.social-btn-follow[aria-disabled="true"]{cursor:default;opacity:.5;pointer-events:none}
.social-btn-view{font-size:12px;font-weight:600;color:var(--slate);text-decoration:none;padding:9px 10px;transition:color var(--t);white-space:nowrap}
.social-btn-view:hover{color:var(--navy)}
.social-btn-view[aria-disabled="true"]{cursor:default;opacity:.5;pointer-events:none}
.soc-ig{border-top:3px solid #E1306C}
.soc-yt{border-top:3px solid #FF0000}
.soc-fb{border-top:3px solid #1877F2}
.soc-tt{border-top:3px solid #FF0050}
.soc-rd{border-top:3px solid #FF4500}
.soc-x{border-top:3px solid #14171A}
.soc-ig .social-btn-follow:hover{background:#E1306C;color:#fff;border-color:#E1306C}
.soc-yt .social-btn-follow:hover{background:#FF0000;color:#fff;border-color:#FF0000}
.soc-fb .social-btn-follow:hover{background:#1877F2;color:#fff;border-color:#1877F2}
.soc-tt .social-btn-follow:hover{background:#FF0050;color:#fff;border-color:#FF0050}
.soc-rd .social-btn-follow:hover{background:#FF4500;color:#fff;border-color:#FF4500}
.soc-x .social-btn-follow:hover{background:#14171A;color:#fff;border-color:#14171A}
/* Footer social icons */
.footer-social{display:flex;gap:10px;margin-top:16px}
.footer-social-icon{width:34px;height:34px;border-radius:7px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;transition:background var(--t)}
.footer-social-icon:hover{background:rgba(255,255,255,.18)}
.footer-social-icon svg{width:15px;height:15px;color:rgba(255,255,255,.65)}
@media(max-width:900px){.social-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.social-grid{grid-template-columns:1fr}}

/* ── FOOTER ─────────────────────────────────────────────────── */
footer{background:var(--navy);padding:64px 0 0}
.footer-top{display:grid;grid-template-columns:200px 1fr 1fr 260px;gap:40px;padding-bottom:48px}
.footer-brand-name{font-size:16px;font-weight:700;color:#fff;margin-bottom:4px;margin-top:12px}
.footer-brand-sub{font-size:12px;color:rgba(255,255,255,.5)}
.footer-col-title{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px}
.footer-links-list{display:flex;flex-direction:column;gap:10px}
.footer-links-list a{font-size:13px;color:rgba(255,255,255,.65);transition:color var(--t)}
.footer-links-list a:hover{color:#fff}
.footer-contact-row{display:flex;align-items:flex-start;gap:10px;margin-bottom:14px}
.footer-contact-icon{width:32px;height:32px;border-radius:6px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.footer-contact-icon svg{width:14px;height:14px;color:rgba(255,255,255,.6)}
.footer-contact-label{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:2px}
.footer-contact-val{font-size:13px;color:rgba(255,255,255,.8)}
.footer-contact-val a:hover{color:#fff}
.footer-divider{border:none;border-top:1px solid rgba(255,255,255,.08);margin:0}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 0;flex-wrap:wrap}
.footer-legal{font-size:11px;color:rgba(255,255,255,.35);line-height:1.6;max-width:680px}
.footer-copy{font-size:11px;color:rgba(255,255,255,.35);flex-shrink:0}
.footer-legal-links{display:flex;gap:14px;margin-bottom:8px;flex-wrap:wrap}
.footer-legal-links a{font-size:11px;color:rgba(255,255,255,.45);transition:color var(--t)}
.footer-legal-links a:hover{color:#fff}
@media(max-width:900px){
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
}
@media(max-width:560px){
  .footer-top{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start}
}

/* ── FAQ ────────────────────────────────────────────────────── */
#faq{background:#fff;padding:96px 0}
.faq-header{text-align:center;max-width:620px;margin:0 auto 48px}
.faq-h2{font-size:clamp(26px,3vw,38px);font-weight:900;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
.faq-sub{font-size:15px;color:var(--slate);line-height:1.7}
.faq-list{max-width:760px;margin:0 auto;border-top:1px solid var(--border)}
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 4px;background:none;border:none;text-align:left;font-family:inherit;font-size:15px;font-weight:700;color:var(--navy);cursor:pointer}
.faq-q svg{width:18px;height:18px;color:var(--purple);flex-shrink:0;transition:transform var(--t)}
.faq-item[open] .faq-q svg{transform:rotate(45deg)}
.faq-a{padding:0 4px 22px;font-size:14px;color:var(--slate);line-height:1.75;max-width:660px}

/* ── PAGE HEADER (loan / blog subpages) ───────────────────────── */
.page-header{background:var(--navy);padding:150px 0 64px;position:relative;overflow:hidden}
.page-breadcrumb{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.55);margin-bottom:18px;flex-wrap:wrap}
.page-breadcrumb a{color:rgba(255,255,255,.75)}
.page-breadcrumb a:hover{color:#fff}
.page-eyebrow{display:block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-bottom:12px}
.page-h1{font-size:clamp(30px,4vw,48px);font-weight:900;color:#fff;letter-spacing:-.5px;line-height:1.1;max-width:760px}
.page-sub{font-size:16px;font-weight:300;color:rgba(255,255,255,.78);line-height:1.7;max-width:640px;margin-top:16px}

.page-body{padding:80px 0}
.page-body-grid{display:grid;grid-template-columns:1fr 340px;gap:64px;align-items:start}
.page-content h2{font-size:22px;font-weight:800;color:var(--navy);margin:36px 0 14px;letter-spacing:-.3px}
.page-content h2:first-child{margin-top:0}
.page-content p{font-size:15px;color:var(--slate);line-height:1.85;margin-bottom:16px}
.page-content ul{margin:8px 0 20px 4px}
.page-content li{font-size:15px;color:var(--slate);line-height:1.8;padding-left:26px;position:relative;margin-bottom:10px}
.page-content li::before{content:'';position:absolute;left:0;top:9px;width:7px;height:7px;border-radius:50%;background:var(--purple)}
.page-sidebar-card{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:32px 28px;position:sticky;top:96px}
.page-sidebar-card h3{font-size:17px;font-weight:800;color:var(--navy);margin-bottom:10px}
.page-sidebar-card p{font-size:13px;color:var(--slate);line-height:1.7;margin-bottom:20px}
.page-sidebar-card .btn{width:100%;justify-content:center;margin-bottom:10px}
.page-other-loans{margin-top:28px;padding-top:24px;border-top:1px solid var(--border)}
.page-other-loans h4{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:12px}
.page-other-loans a{display:block;font-size:13px;font-weight:600;color:var(--navy);padding:8px 0;border-bottom:1px solid var(--border)}
.page-other-loans a:last-child{border-bottom:none}
.page-other-loans a:hover{color:var(--purple)}
@media(max-width:900px){
  .page-body-grid{grid-template-columns:1fr}
  .page-sidebar-card{position:static}
}

/* ── BLOG INDEX / POST PAGES ──────────────────────────────────── */
.blog-index-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:900px){.blog-index-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.blog-index-grid{grid-template-columns:1fr}}
.post-article{max-width:760px;margin:0 auto}
.post-hero-img{border-radius:12px;overflow:hidden;margin-bottom:32px;background:linear-gradient(135deg,var(--purple-d) 0%,var(--navy-l) 100%);min-height:160px;display:flex;align-items:center;justify-content:center}
.post-hero-img img{width:100%;display:block}
.post-meta{display:flex;align-items:center;gap:12px;margin-bottom:16px;flex-wrap:wrap}
.post-title{font-size:clamp(26px,4vw,40px);font-weight:900;color:var(--navy);letter-spacing:-.5px;line-height:1.15;margin-bottom:20px}
.post-excerpt{font-size:18px;color:var(--slate);line-height:1.75;font-style:italic;border-left:3px solid var(--purple);padding-left:20px;margin-bottom:32px}
.post-body{font-size:16px;color:var(--slate);line-height:1.85}
.post-body p{margin-bottom:18px}
.post-body h2{font-size:21px;font-weight:800;color:var(--navy);margin:32px 0 12px;letter-spacing:-.3px}
.post-body h3{font-size:17px;font-weight:700;color:var(--navy);margin:24px 0 8px}
.post-cta{margin-top:48px;padding:32px;background:var(--bg);border:1px solid var(--border);border-radius:12px;text-align:center}
.post-cta h3{font-size:18px;font-weight:800;color:var(--navy);margin-bottom:8px}
.post-cta p{font-size:13px;color:var(--slate);margin-bottom:18px}
.post-back{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--purple);margin-bottom:24px}
.post-back svg{width:14px;height:14px}
.post-loading,.post-notfound{text-align:center;padding:80px 20px;color:var(--slate)}