:root {
  color-scheme: light;
  --ink: #10231f;
  --muted: #60706b;
  --line: #dbe5e0;
  --paper: #f7faf7;
  --white: #ffffff;
  --forest: #123b33;
  --forest-2: #0c2a25;
  --gold: #c89b43;
  --gold-soft: #f4dfb0;
  --aqua: #dff3ef;
  --shadow: 0 24px 70px rgba(16, 35, 31, 0.13);
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background:
    radial-gradient(circle at top left, rgba(200, 155, 67, 0.16), transparent 32rem),
    linear-gradient(180deg, #f5f8f5 0%, #ffffff 42%, #eef5f1 100%);
  color: var(--ink);
}

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  padding: 0 5vw;
  background: rgba(247, 250, 247, 0.82);
  border-bottom: 1px solid rgba(219, 229, 224, 0.82);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  min-width: 0;
}

.brand-mark {
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--forest), #1c6658);
  color: var(--gold-soft);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0;
  box-shadow: 0 12px 30px rgba(18, 59, 51, 0.22);
}

.brand-mark span,
.brand-mark strong {
  display: block;
  line-height: 1;
}

.brand-mark span {
  align-self: end;
  color: rgba(244, 223, 176, 0.78);
  font-size: 0.55rem;
}

.brand-mark strong {
  align-self: start;
  font-size: 0.86rem;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-size: 0.94rem;
  letter-spacing: 0;
}

.brand small {
  margin-top: 0.1rem;
  color: var(--muted);
  font-size: 0.78rem;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.45rem;
  color: #32443f;
  font-size: 0.94rem;
}

.site-nav a {
  transition: color 180ms ease;
}

.site-nav a:hover {
  color: var(--forest);
}

.nav-cta,
.button {
  border-radius: 8px;
  font-weight: 750;
}

.nav-cta {
  padding: 0.72rem 1rem;
  background: var(--forest);
  color: var(--white);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 5px auto;
  background: var(--ink);
}

.hero {
  padding: 6.5rem 5vw 4rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(320px, 0.64fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
}

.eyebrow {
  margin: 0 0 1rem;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.08rem;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 850px;
  margin-bottom: 1.35rem;
  font-size: clamp(3rem, 7.2vw, 6.7rem);
  line-height: 0.94;
  letter-spacing: 0;
}

h2 {
  font-size: clamp(2rem, 4vw, 3.35rem);
  line-height: 1.04;
  letter-spacing: 0;
}

h3 {
  font-size: 1.08rem;
  letter-spacing: 0;
}

.hero-text,
.section-copy p,
.compliance-card p,
.contact p {
  color: var(--muted);
  font-size: 1.08rem;
  line-height: 1.75;
}

.hero-text {
  max-width: 680px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 2rem;
}

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  padding: 0.9rem 1.2rem;
}

.button.primary {
  background: var(--forest);
  color: var(--white);
  box-shadow: 0 14px 32px rgba(18, 59, 51, 0.2);
}

.button.secondary {
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.72);
  color: var(--forest);
}

.loan-panel {
  position: relative;
  overflow: hidden;
  padding: 1.4rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(18, 59, 51, 0.98), rgba(12, 42, 37, 0.96)),
    var(--forest);
  color: var(--white);
  box-shadow: var(--shadow);
}

.loan-panel::before {
  position: absolute;
  inset: 0;
  content: "";
  background:
    linear-gradient(90deg, transparent 0 32%, rgba(255, 255, 255, 0.06) 32% 33%, transparent 33% 66%, rgba(255, 255, 255, 0.05) 66% 67%, transparent 67%),
    linear-gradient(0deg, transparent 0 48%, rgba(244, 223, 176, 0.1) 48% 49%, transparent 49%);
  opacity: 0.62;
  pointer-events: none;
}

.loan-panel > * {
  position: relative;
  z-index: 1;
}

.panel-top {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: #c8ddd8;
  font-size: 0.86rem;
}

.status-dot {
  width: 0.62rem;
  height: 0.62rem;
  border-radius: 999px;
  background: #78e2bf;
}

.loan-panel h2 {
  margin: 4.5rem 0 1.5rem;
  color: #fff9eb;
  font-size: clamp(1.75rem, 3vw, 2.7rem);
}

.metrics {
  display: grid;
  gap: 0.72rem;
  margin: 0;
}

.metrics div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.metrics dt {
  color: #b7cbc6;
}

.metrics dd {
  margin: 0;
  text-align: right;
  font-weight: 750;
}

.panel-note {
  margin-top: 1.5rem;
  padding: 1rem;
  border: 1px solid rgba(244, 223, 176, 0.3);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.panel-note p {
  margin: 0.4rem 0 0;
  color: #dce9e6;
  line-height: 1.55;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 5vw 3rem;
}

.trust-strip div {
  padding: 1.25rem;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.72);
}

.trust-strip strong,
.trust-strip span {
  display: block;
}

.trust-strip span {
  margin-top: 0.32rem;
  color: var(--muted);
  line-height: 1.5;
}

.section {
  max-width: 1180px;
  margin: 0 auto;
  padding: 5rem 5vw;
}

.split {
  display: grid;
  grid-template-columns: 0.78fr 1fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: start;
}

.service-list {
  display: grid;
  gap: 1rem;
}

.service-list article {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.4rem 1.2rem;
  padding: 1.25rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 12px 36px rgba(16, 35, 31, 0.06);
}

.service-list span {
  grid-row: 1 / 3;
  color: var(--gold);
  font-weight: 850;
}

.service-list p,
.timeline p,
.features p,
.faq p {
  margin-bottom: 0;
  color: var(--muted);
  line-height: 1.65;
}

.section-heading {
  max-width: 720px;
}

.section-heading p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.7;
}

.rate-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 2.2rem;
}

.rate-grid article {
  min-height: 330px;
  padding: 1.25rem;
  border: 1px solid rgba(18, 59, 51, 0.14);
  border-radius: 8px;
  background:
    linear-gradient(180deg, #ffffff, #f6fbf8),
    var(--white);
  box-shadow: 0 12px 36px rgba(16, 35, 31, 0.06);
}

.rate-grid span {
  display: block;
  min-height: 2.8rem;
  color: var(--forest);
  font-weight: 850;
  line-height: 1.35;
}

.rate-grid strong {
  display: block;
  margin-top: 1rem;
  color: var(--gold);
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  line-height: 0.95;
  letter-spacing: 0;
}

.rate-grid p {
  margin: 0.45rem 0 0;
  color: var(--muted);
  line-height: 1.55;
}

.source-note {
  max-width: 900px;
  margin: 1rem 0 0;
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.6;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin: 2.4rem 0 0;
  padding: 0;
  list-style: none;
}

.timeline li {
  min-height: 260px;
  padding: 1.2rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff, #f7faf7);
}

.timeline span {
  display: grid;
  width: 42px;
  height: 42px;
  margin-bottom: 3rem;
  place-items: center;
  border-radius: 8px;
  background: var(--aqua);
  color: var(--forest);
  font-weight: 850;
}

.feature-band {
  display: grid;
  grid-template-columns: 0.82fr 1fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: start;
  border-block: 1px solid var(--line);
}

.features {
  display: grid;
  gap: 1.1rem;
}

.features div {
  padding-bottom: 1.1rem;
  border-bottom: 1px solid var(--line);
}

.compliance {
  padding-block: 3rem;
}

.compliance-card {
  padding: clamp(1.5rem, 4vw, 3rem);
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(244, 223, 176, 0.72), rgba(223, 243, 239, 0.82)),
    #eef6f0;
}

.compliance-card h2 {
  max-width: 760px;
}

.compliance-card p {
  max-width: 820px;
  margin-bottom: 0;
}

.faq-list {
  display: grid;
  gap: 0.8rem;
  margin-top: 2rem;
}

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

summary {
  cursor: pointer;
  padding: 1.1rem 1.2rem;
  font-weight: 780;
}

details p {
  padding: 0 1.2rem 1.2rem;
}

details a {
  color: var(--forest);
  font-weight: 750;
}

.contact {
  display: grid;
  grid-template-columns: 0.78fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  max-width: 1180px;
  margin: 2rem auto 0;
  padding: clamp(2rem, 5vw, 4rem) 5vw;
  background: var(--forest-2);
  color: var(--white);
}

.contact .eyebrow {
  color: var(--gold-soft);
}

.contact p {
  color: #c9d9d5;
}

address {
  display: grid;
  gap: 1rem;
  align-content: center;
  color: #e7f0ed;
  font-style: normal;
  line-height: 1.65;
}

address strong {
  color: var(--gold-soft);
  font-size: 1.05rem;
}

address a {
  width: fit-content;
  color: var(--white);
  font-weight: 800;
  border-bottom: 1px solid rgba(255, 255, 255, 0.52);
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.5rem 5vw;
  color: var(--muted);
  font-size: 0.92rem;
}

@media (max-width: 860px) {
  .site-header {
    min-height: 68px;
  }

  .nav-toggle {
    display: block;
  }

  .site-nav {
    position: fixed;
    inset: 68px 1rem auto;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.8rem;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.96);
    box-shadow: var(--shadow);
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 0.9rem;
  }

  .nav-cta {
    text-align: center;
  }

  .hero {
    padding-top: 4rem;
  }

  .hero-grid,
  .split,
  .feature-band,
  .contact {
    grid-template-columns: 1fr;
  }

  .trust-strip,
  .timeline,
  .rate-grid {
    grid-template-columns: 1fr;
  }

  .rate-grid article {
    min-height: auto;
  }

  h1 {
    font-size: clamp(2.55rem, 14vw, 4.35rem);
  }

  .timeline li {
    min-height: auto;
  }

  .timeline span {
    margin-bottom: 1.6rem;
  }

  .contact {
    margin-top: 0;
  }
}

@media (max-width: 560px) {
  .brand strong {
    max-width: 190px;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
  }

  .brand small {
    display: none;
  }

  .hero-actions,
  .site-footer {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .loan-panel {
    padding: 1.1rem;
  }
}