:root {
  --navy: #0b1a2e;
  --navy-2: #12263f;
  --navy-3: #1b3354;
  --gold: #c9a24a;
  --gold-2: #e0bd6a;
  --ink: #1a2332;
  --muted: #5b6778;
  --line: #e3e7ee;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --ok: #1f8a5b;
  --warn: #b7791f;
  --err: #c0392b;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(11, 26, 46, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
section[id] { scroll-margin-top: 76px; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; }
a { color: var(--navy-3); }
h1, h2, h3 { font-family: "Playfair Display", Georgia, serif; line-height: 1.15; margin: 0 0 0.5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.section { padding: 80px 0; }
.section.soft { background: var(--bg-soft); }
.section.dark { background: var(--navy); color: #fff; }
.eyebrow {
  display: inline-block; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 12px;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 720px; }
.dark .lead { color: #c3cdda; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(11, 26, 46, 0.97);
  backdrop-filter: blur(6px); border-bottom: 1px solid rgba(255,255,255,0.06);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; }
.brand-logo { height: 48px; width: auto; display: block; }
@media (max-width: 400px) { .brand-logo { height: 40px; } }
.brand-mark {
  width: 36px; height: 36px; border-radius: 8px; background: linear-gradient(135deg, var(--gold), var(--gold-2));
  display: grid; place-items: center; color: var(--navy); font-family: "Playfair Display", serif; font-weight: 800; font-size: 1.2rem;
}
.brand-name { font-family: "Playfair Display", serif; font-weight: 700; font-size: 1.1rem; letter-spacing: 0.01em; }
.brand-name small { display: block; font-family: "Inter", sans-serif; font-size: 0.62rem; letter-spacing: 0.2em; color: var(--gold); font-weight: 600; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { color: #d5dde8; text-decoration: none; font-size: 0.95rem; font-weight: 500; }
.nav a:hover { color: #fff; }
.nav .btn { color: var(--navy); }
.nav-toggle { display: none; background: none; border: 0; color: #fff; font-size: 1.6rem; cursor: pointer; }
@media (max-width: 820px) {
  .nav-toggle { display: block; }
  .nav {
    display: none; position: absolute; top: 76px; left: 0; right: 0; background: var(--navy);
    flex-direction: column; align-items: stretch; padding: 12px 20px 20px; gap: 4px;
  }
  .nav.open { display: flex; }
  .nav a { padding: 10px 0; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 10px; border: 0; cursor: pointer;
  font: 700 1rem "Inter", sans-serif; text-decoration: none; transition: transform .15s, box-shadow .15s, background .15s;
}
.btn-gold { background: linear-gradient(135deg, var(--gold), var(--gold-2)); color: var(--navy); box-shadow: 0 6px 20px rgba(201,162,74,0.35); }
.btn-gold:hover { transform: translateY(-1px); box-shadow: 0 10px 26px rgba(201,162,74,0.45); }
.btn-outline { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.35); }
.btn-outline:hover { border-color: #fff; }
.btn-sm { padding: 10px 18px; font-size: 0.92rem; }
.btn[disabled] { opacity: 0.6; cursor: wait; transform: none; }

/* Hero */
.hero {
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(201,162,74,0.18), transparent 60%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; padding: 90px 0 100px;
}
.hero-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 50px; align-items: center; }
.hero h1 span { color: var(--gold-2); }
.hero .lead { color: #c3cdda; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin: 28px 0 22px; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; color: #dfe6ef; }
.checks li::before { content: "✓"; color: var(--gold-2); font-weight: 800; margin-right: 10px; }
.stat-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; padding: 28px;
}
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.stat { background: rgba(11,26,46,0.6); border-radius: 12px; padding: 18px; }
.stat b { display: block; font-family: "Playfair Display", serif; font-size: 2rem; color: var(--gold-2); line-height: 1.1; }
.stat span { font-size: 0.85rem; color: #b9c4d3; }
.stat-note { font-size: 0.78rem; color: #8a98ab; margin: 14px 0 0; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } .hero { padding: 60px 0 70px; } }

/* Cards */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 980px) { .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 760px) { .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; } }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow);
}
.card .icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--navy); color: var(--gold-2);
  display: grid; place-items: center; font-size: 1.4rem; margin-bottom: 14px;
}
.card ul { padding-left: 18px; margin: 10px 0 0; color: var(--muted); font-size: 0.95rem; }
.card p { color: var(--muted); font-size: 0.97rem; }
.tag { display: inline-block; font-size: 0.72rem; font-weight: 700; background: var(--navy); color: var(--gold-2); padding: 3px 9px; border-radius: 99px; margin-bottom: 10px; letter-spacing: .04em; }

.steps { counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step .num {
  width: 44px; height: 44px; border-radius: 50%; border: 2px solid var(--gold); color: var(--gold-2);
  display: grid; place-items: center; font-weight: 800; margin-bottom: 14px;
}
.dark .step p { color: #c3cdda; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-result {
  margin-top: 18px; padding: 20px; border-radius: 12px; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.calc-result b { font-family: "Playfair Display", serif; font-size: 2.2rem; color: var(--gold-2); }
.calc-result .verdict { font-size: 0.95rem; color: #c3cdda; max-width: 320px; }

/* States */
.state-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.chip { padding: 6px 12px; border-radius: 99px; background: #fff; border: 1px solid var(--line); font-size: 0.88rem; font-weight: 600; }
.chip.llc { border-color: var(--gold); background: #fbf6ea; }
.legend { font-size: 0.88rem; color: var(--muted); margin-top: 14px; }
.legend .chip { font-size: 0.78rem; padding: 3px 9px; }

/* Forms */
.form-card { background: #fff; border-radius: 16px; padding: 34px; box-shadow: var(--shadow); border: 1px solid var(--line); color: var(--ink); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid, .calc { grid-template-columns: 1fr; } .form-card { padding: 22px; } }
.field label { display: block; font-size: 0.86rem; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
.field .hint { font-size: 0.8rem; color: var(--muted); margin-top: 4px; }
input, select, textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid #d3d9e3; border-radius: 9px; font: 1rem "Inter", sans-serif;
  color: var(--ink); background: #fff; transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus, textarea:focus { outline: 0; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,162,74,0.2); }
textarea { min-height: 90px; resize: vertical; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: 0.84rem; color: var(--muted); line-height: 1.5; }
.check input { width: 18px; height: 18px; margin-top: 2px; flex: none; accent-color: var(--navy); }
.form-section-title { grid-column: 1 / -1; font-weight: 700; font-size: 0.8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-top: 8px; border-top: 1px solid var(--line); padding-top: 18px; }
.form-section-title:first-child { border-top: 0; padding-top: 0; margin-top: 0; }
.notice { padding: 12px 14px; border-radius: 9px; font-size: 0.88rem; }
.notice.warn { background: #fdf5e6; border: 1px solid #f0d9a8; color: #7a5412; }
.notice.err { background: #fdecea; border: 1px solid #f3c1bb; color: #8e2a1f; }
.notice.ok { background: #e8f6ef; border: 1px solid #b6e2cb; color: #155f3f; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.hidden { display: none !important; }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq summary { cursor: pointer; font-weight: 700; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::after { content: "+"; color: var(--gold); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 12px 0 0; color: var(--muted); }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--navy-2), var(--navy)); color: #fff; border-radius: 18px; padding: 50px; display: flex; justify-content: space-between; align-items: center; gap: 30px; flex-wrap: wrap; }
.cta-band p { color: #c3cdda; margin: 0; }

/* Footer */
.site-footer { background: #07121f; color: #8a98ab; padding: 50px 0 30px; font-size: 0.86rem; }
.site-footer .cols { display: flex; justify-content: space-between; gap: 30px; flex-wrap: wrap; margin-bottom: 26px; }
.site-footer a { color: #c3cdda; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer .links { display: flex; gap: 20px; flex-wrap: wrap; }
.disclosure { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 22px; font-size: 0.78rem; line-height: 1.6; color: #6f7d90; }

/* Legal pages */
.legal { max-width: 800px; }
.legal h2 { font-size: 1.4rem; margin-top: 1.8em; }
.legal p, .legal li { color: #3c4757; }

/* Dashboard */
.kpis { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 24px 0; }
@media (max-width: 800px) { .kpis { grid-template-columns: 1fr 1fr; } }
.kpi { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px; box-shadow: var(--shadow); }
.kpi span { font-size: 0.8rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; font-weight: 600; }
.kpi b { display: block; font-size: 1.7rem; font-family: "Playfair Display", serif; margin-top: 4px; }
.table-wrap { overflow-x: auto; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); white-space: nowrap; }
th { background: var(--bg-soft); font-size: 0.76rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.pill { display: inline-block; padding: 3px 10px; border-radius: 99px; font-size: 0.78rem; font-weight: 700; background: #eef1f6; color: var(--navy-3); }
.pill.closed { background: #e8f6ef; color: var(--ok); }
.pill.dead { background: #f4f4f4; color: #999; }
.linkbox { display: flex; gap: 10px; align-items: center; background: #fff; border: 1.5px dashed var(--gold); border-radius: 10px; padding: 12px 14px; flex-wrap: wrap; }
.linkbox code { font-size: 0.95rem; word-break: break-all; flex: 1; }

/* Hero: copy + loan menu card */
.hero { padding: 72px 0 80px; }
.hero-grid { grid-template-columns: 1.05fr 1fr; gap: 56px; }
.hero-copy h1 { font-size: clamp(2.2rem, 3.9vw, 3.2rem); }
.hero-copy .lead { margin-bottom: 0; }
.hero-ctas { margin: 26px 0 22px; }
.hero-checks { font-size: 0.95rem; }
.loan-card {
  background: #fff; color: var(--ink); border-radius: 18px; padding: 10px;
  box-shadow: 0 24px 60px rgba(0,0,0,0.35); border: 1px solid rgba(201,162,74,0.35);
}
.loan-card-head {
  display: flex; justify-content: space-between; align-items: center; gap: 10px; flex-wrap: wrap;
  padding: 12px 14px 12px;
}
.loan-card-head span { font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); }
.loan-card-head em { font-style: normal; font-size: 0.78rem; font-weight: 700; color: #7a5a14; background: #f7eed8; padding: 4px 10px; border-radius: 99px; }
.loan-row {
  display: flex; align-items: center; gap: 16px; padding: 16px 14px; border-radius: 12px;
  text-decoration: none; color: var(--ink); border-top: 1px solid var(--line); transition: background .15s;
}
.loan-row:hover { background: #faf6ec; }
.loan-row:hover .loan-go { background: var(--gold); color: var(--navy); transform: translateX(2px); }
.loan-ico {
  flex: none; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--navy); color: var(--gold-2);
}
.loan-ico svg { width: 24px; height: 24px; }
.loan-txt { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.loan-txt b { font-family: "Playfair Display", serif; font-size: 1.18rem; line-height: 1.25; }
.loan-txt small { font-size: 0.86rem; color: var(--muted); }
.loan-go {
  flex: none; width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center;
  border: 1.5px solid var(--gold); color: #8a6a1f; font-weight: 700; transition: all .15s;
}
@media (max-width: 900px) {
  .hero { padding: 36px 0 48px; }
  .hero-grid { grid-template-columns: 1fr; gap: 24px; }
  .hero-ctas, .hero-checks { display: none; }
}
@media (max-width: 640px) {
  .hero h1 { font-size: 1.85rem; margin-bottom: 10px; }
  .hero .lead { font-size: 0.98rem; }
  .loan-card { padding: 6px; border-radius: 14px; }
  .loan-card-head { padding: 10px 10px 8px; }
  .loan-row { padding: 12px 10px; gap: 12px; }
  .loan-ico { width: 38px; height: 38px; border-radius: 10px; }
  .loan-ico svg { width: 20px; height: 20px; }
  .loan-txt b { font-size: 1.02rem; }
  .loan-txt small { font-size: 0.78rem; }
  .loan-go { width: 28px; height: 28px; }
}

.card .icon + .tag { margin-top: 2px; }
.card h3 { margin-top: 2px; }

/* Loan type checkboxes */
.opt-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
@media (max-width: 480px) { .opt-grid { grid-template-columns: 1fr; } }
.opt {
  display: flex; align-items: center; gap: 10px; padding: 11px 12px; border: 1.5px solid #d3d9e3; border-radius: 9px;
  cursor: pointer; font-size: 0.92rem; font-weight: 500; transition: border-color .15s, background .15s;
}
.opt input { width: 18px; height: 18px; flex: none; accent-color: var(--navy); margin: 0; }
.opt:hover { border-color: var(--gold); }
.opt:has(input:checked) { border-color: var(--gold); background: #faf6ec; }
.field label.opt { display: flex; margin-bottom: 0; font-size: 0.92rem; font-weight: 500; line-height: 1.3; }
#loan-types.invalid .opt { border-color: var(--err); }
.loan-card-foot { display: flex; align-items: center; gap: 10px; margin: 4px 4px 2px; padding: 12px; border-radius: 10px; background: var(--navy); color: #c3cdda; font-size: 0.86rem; line-height: 1.4; }
.loan-card-foot svg { flex: none; color: var(--gold-2); }
.loan-card-foot b { color: #fff; }
@media (max-width: 640px) { .loan-card-foot { font-size: 0.78rem; padding: 10px; } }