:root {
  --navy: #0a2540;
  --navy-2: #14375c;
  --ink: #1c2330;
  --green: #1f7a4d;
  --green-2: #18633e;
  --mint: #e7f5ee;
  --gold: #c9a227;
  --sand: #f3ead9;
  --bg: #f6f1e8;
  --card: #ffffff;
  --muted: #5c6b7a;
  --line: #e4d9c8;
  --coral: #c45c26;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(900px 400px at 10% -10%, #e7f5ee 0%, transparent 55%),
    radial-gradient(700px 360px at 110% 8%, #f3ead9 0%, transparent 50%),
    var(--bg);
  line-height: 1.65;
}
a { color: var(--green); }
img { max-width: 100%; height: auto; }
.wrap { width: min(1140px, calc(100% - 32px)); margin: 0 auto; }
.sticky-stack { position: sticky; top: 0; z-index: 50; }
.topbar {
  background: rgba(10,37,64,.88);
  backdrop-filter: blur(14px);
  color: #d5e0ea;
  font-size: 12.5px;
  padding: 8px 0;
}
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; align-items: center; }
.topbar a { color: #fff; text-decoration: none; }
header.site { background: rgba(255,255,255,.68); backdrop-filter: blur(16px) saturate(140%); border-bottom: 1px solid rgba(228,217,200,.65); }
header.site .wrap {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  min-height: 74px;
}
.brand { display: flex; flex-direction: column; line-height: 1.15; }
.logo { text-decoration: none; color: var(--navy); font-weight: 800; letter-spacing: -0.03em; font-size: 22px; }
.logo span { color: var(--green); }
.logo-tag { font-size: 12px; color: var(--muted); font-weight: 600; margin-top: 2px; }
nav a {
  text-decoration: none; color: var(--navy); font-size: 13.5px; font-weight: 650;
  padding: 7px 8px; border-radius: 8px;
}
nav a:hover, nav a.active { background: var(--mint); color: var(--green); }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--green); color: #fff !important; text-decoration: none;
  padding: 11px 16px; border-radius: 999px; font-weight: 700; border: 0; cursor: pointer;
  box-shadow: 0 8px 18px rgba(31,122,77,.18);
}
.btn:hover { background: var(--green-2); }
.btn.ghost { background: transparent; color: #fff !important; border: 1px solid rgba(255,255,255,.45); box-shadow: none; }
.btn.light { background: #fff; color: var(--navy) !important; border: 1px solid var(--line); box-shadow: none; }
.btn.gold { background: var(--gold); color: var(--navy) !important; }
.hero {
  background:
    linear-gradient(115deg, rgba(10,37,64,.92), rgba(20,55,92,.78) 50%, rgba(31,122,77,.55)),
    var(--navy);
  color: #fff; padding: 56px 0 48px;
}
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 28px; align-items: center; }
.hero h1 { font-size: clamp(30px, 4.4vw, 48px); line-height: 1.12; margin: 0 0 12px; letter-spacing: -0.03em; }
.hero p { color: #d9e4ee; max-width: 620px; }
.hero-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 22px; }
.portrait {
  width: min(320px, 100%);
  border-radius: 28px;
  border: 6px solid #fff;
  box-shadow: 0 20px 40px rgba(0,0,0,.25);
  object-fit: cover;
  aspect-ratio: 4/5;
  background: #ddd;
}
.portrait.small { width: 168px; aspect-ratio: 1; border-radius: 50%; border-width: 4px; }
.grid { display: grid; gap: 16px; }
.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cols-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: 22px;
  box-shadow: 0 8px 24px rgba(10,37,64,.04);
}
section.pad { padding: 52px 0; }
h1, h2 { letter-spacing: -0.03em; }
h2 { margin: 0 0 10px; }
.muted { color: var(--muted); }
.rates-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: 12px; }
table.rates { width: 100%; min-width: 560px; border-collapse: collapse; background: #fff; border-radius: 12px; }
table.rates th, table.rates td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); }
table.rates th { background: var(--navy); color: #fff; font-size: 13px; }
.note { font-size: 13px; color: var(--muted); }
footer.site { background: var(--navy); color: #c9d4de; padding: 36px 0 18px; margin-top: 8px; }
footer.site a { color: #fff; }
.foot-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 24px; }
.legal { font-size: 12px; border-top: 1px solid #2a4158; margin-top: 24px; padding-top: 14px; }
form.contact label { display: block; font-weight: 650; font-size: 14px; margin: 12px 0 6px; }
form.contact input, form.contact select, form.contact textarea {
  width: 100%; padding: 11px 12px; border-radius: 10px; border: 1px solid var(--line); font: inherit;
}
.socials { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
.menu-btn { display: none; background: none; border: 0; font-size: 22px; }
.pill {
  display: inline-block; font-size: 11px; font-weight: 800; letter-spacing: .05em;
  text-transform: uppercase; color: var(--green); background: var(--mint);
  border-radius: 999px; padding: 4px 10px; margin-bottom: 8px;
}
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 12px; font-size: 13px; font-weight: 650; text-decoration: none; color: var(--navy);
}
.chip:hover { border-color: var(--green); background: var(--mint); }
.step-num {
  width: 36px; height: 36px; border-radius: 50%; background: var(--green); color: #fff;
  display: inline-flex; align-items: center; justify-content: center; font-weight: 800; margin-bottom: 10px;
}
.trust strong { display: block; font-size: 22px; color: var(--navy); }
.mini { background: #fff8e8; border: 1px dashed #e0c98a; }
.social-link { display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.calc label { display: block; font-weight: 650; font-size: 14px; margin: 10px 0 6px; }
.calc input, .calc select {
  width: 100%; padding: 11px 12px; border-radius: 10px; border: 1px solid var(--line); font: inherit;
}
.calc-out { font-size: 22px; font-weight: 800; margin: 14px 0 0; color: var(--navy); }
details.faq {
  background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 14px 18px; margin-bottom: 10px;
}
details.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); }
details.faq p { margin: 10px 0 4px; color: var(--muted); }
.crumbs { font-size: 13px; color: var(--muted); margin-bottom: 16px; }
.crumbs a { color: var(--muted); }
.quote { font-size: 16px; margin: 0 0 10px; }
.sample { font-size: 11px; letter-spacing: .06em; text-transform: uppercase; color: var(--coral); font-weight: 800; }
.lenders { display: flex; flex-wrap: wrap; gap: 10px; }
.lender {
  background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 16px;
  font-weight: 750; color: var(--navy); min-width: 140px; text-align: center;
}
@media (max-width: 900px) {
  .hero-grid, .cols-3, .cols-2, .cols-4, .foot-grid, .socials, .calc-grid { grid-template-columns: 1fr; }
  nav { display: none; }
  nav.open { display: flex; flex-direction: column; position: absolute; left: 0; right: 0; top: 74px; background: #fff; padding: 12px; border-bottom: 1px solid var(--line); }
  .menu-btn { display: block; }
  header.site { position: relative; }
}

.logo-img { height: 42px; width: auto; display: block; }
.logo-clover { height: 36px; width: auto; display: block; }
.brand-row { display: flex; align-items: center; gap: 14px; }
.brand-row .divider { width: 1px; height: 36px; background: var(--line); }
.dock {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
  background: rgba(10,37,64,.9);
  backdrop-filter: blur(16px);
  border-top: 1px solid rgba(255,255,255,.08);
  transform: translateY(110%);
  transition: transform .28s ease;
  pointer-events: none;
}
.dock.is-on { transform: translateY(0); pointer-events: auto; }
.dock .wrap { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; padding: 10px 0; }
.card.mint { background: rgba(231,245,238,.75); }
.card.sand { background: rgba(243,234,217,.7); }
.card.glass {
  background: rgba(255,255,255,.55);
  backdrop-filter: blur(12px);
}
.band-mint { background: rgba(231,245,238,.45); }
.band-sand { background: rgba(243,234,217,.4); }
.band-glass {
  background: rgba(255,255,255,.38);
  backdrop-filter: blur(14px);
}
a.chip, a.btn, nav a, .card {
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
a.chip:hover, a.btn:hover { transform: scale(1.04); }
.card:hover { transform: translateY(-2px); }
.trust-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 900px) {
  .trust-row { grid-template-columns: 1fr; }
}
.related { margin-top: 28px; }
.jump a { display: block; margin: 6px 0; }