:root {
  --navy: #06244a;
  --navy-2: #0b3568;
  --teal: #078b8f;
  --teal-2: #e5f6f5;
  --amber: #f4a000;
  --ink: #0b1c35;
  --muted: #5f6f85;
  --line: #d9e2ec;
  --panel: #ffffff;
  --soft: #f4f8fb;
  --shadow: 0 18px 45px rgba(6, 36, 74, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: #ffffff;
  line-height: 1.5;
}

body::selection {
  color: #05192f;
  background: #bdf7e7;
}

a {
  color: inherit;
}

img,
svg {
  max-width: 100%;
}

[hidden] {
  display: none !important;
}

.hidden-field {
  display: none;
}

.site-header {
  position: sticky;
  top: 12px;
  z-index: 10;
  isolation: isolate;
  display: grid;
  grid-template-columns: minmax(180px, auto) 1fr auto;
  align-items: center;
  gap: 16px;
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto -78px;
  min-height: 74px;
  padding: 8px 12px 8px 18px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.84);
  border: 1px solid rgba(198, 222, 236, 0.76);
  border-radius: 999px;
  box-shadow:
    0 18px 48px rgba(2, 15, 34, 0.14),
    inset 0 1px 0 rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(18px);
}

.site-header::before,
.site-header::after {
  position: absolute;
  pointer-events: none;
  content: "";
}

.site-header::before {
  z-index: -2;
  inset: -90% -20%;
  background:
    radial-gradient(circle at 18% 45%, rgba(127, 240, 244, 0.34), transparent 26%),
    radial-gradient(circle at 72% 52%, rgba(244, 160, 0, 0.18), transparent 24%),
    radial-gradient(circle at 48% 0%, rgba(6, 36, 74, 0.1), transparent 30%);
  filter: blur(18px);
  opacity: 0.9;
  animation: headerAurora 12s ease-in-out infinite alternate;
}

.site-header::after {
  z-index: -1;
  inset: 0;
  background:
    linear-gradient(105deg, transparent 0 34%, rgba(255, 255, 255, 0.62) 48%, transparent 62%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.52), rgba(255, 255, 255, 0.08));
  opacity: 0.52;
  transform: translateX(-120%);
  animation: headerSweep 8s ease-in-out infinite;
}

.brand,
.site-nav,
.header-cta,
.menu-toggle {
  position: relative;
  z-index: 1;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-width: 0;
  text-decoration: none;
}

.brand-icon {
  flex: 0 0 auto;
  width: 48px;
  height: 38px;
  object-fit: contain;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  color: #fff;
  font-weight: 800;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  border-radius: 50%;
  letter-spacing: 0;
}

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

.brand strong {
  font-size: 1.24rem;
}

.brand small {
  margin-top: 4px;
  color: var(--teal);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  justify-content: center;
  gap: 3px;
  min-width: 0;
  padding: 4px;
  background: rgba(255, 255, 255, 0.34);
  border: 1px solid rgba(198, 222, 236, 0.34);
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 800;
}

.site-nav a {
  flex: 0 0 auto;
  padding: 9px 11px;
  border-radius: 999px;
  text-decoration: none;
  white-space: nowrap;
}

.site-nav a:hover {
  color: var(--navy);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 8px 22px rgba(6, 36, 74, 0.1);
}

.site-nav a:focus-visible,
.header-cta:focus-visible,
.menu-toggle:focus-visible {
  outline: 3px solid rgba(7, 139, 143, 0.35);
  outline-offset: 3px;
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 22px;
  border: 0;
  border-radius: 999px;
  font: inherit;
  font-size: 0.95rem;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}

.header-cta {
  min-width: 112px;
  padding-inline: 20px;
}

.header-cta,
.button-primary {
  color: #111;
  background: var(--amber);
  box-shadow: 0 10px 24px rgba(244, 160, 0, 0.25);
}

.button-secondary {
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.28);
}

.button-dark {
  width: 100%;
  color: #fff;
  background: var(--navy);
}

.button,
.header-cta,
.site-nav a {
  transition:
    transform 180ms ease,
    background-color 180ms ease,
    border-color 180ms ease,
    box-shadow 180ms ease;
}

.button:hover,
.header-cta:hover,
.site-nav a:hover {
  transform: translateY(-2px);
}

.menu-toggle {
  display: none;
}

.hero {
  position: relative;
  isolation: isolate;
  min-height: 100vh;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(300px, 420px);
  gap: clamp(24px, 5vw, 60px);
  align-items: center;
  padding: clamp(118px, 13vw, 156px) clamp(18px, 5vw, 72px) clamp(58px, 8vw, 94px);
  background:
    radial-gradient(circle at 72% 52%, rgba(0, 224, 255, 0.22), transparent 32%),
    radial-gradient(circle at 34% 28%, rgba(38, 130, 255, 0.24), transparent 30%),
    linear-gradient(135deg, #03162e 0%, #071f42 46%, #06244a 100%);
  overflow: hidden;
  border-bottom: 1px solid rgba(125, 224, 231, 0.16);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.hero::before {
  z-index: -2;
  opacity: 0.48;
  background-image:
    radial-gradient(circle, rgba(131, 238, 255, 0.56) 0 1px, transparent 1.5px),
    radial-gradient(circle, rgba(255, 255, 255, 0.32) 0 1px, transparent 1.4px);
  background-position:
    0 0,
    38px 62px;
  background-size:
    124px 124px,
    178px 178px;
  animation: starDrift 24s linear infinite;
}

.hero::after {
  z-index: -1;
  background:
    linear-gradient(90deg, rgba(3, 22, 46, 0.96) 0%, rgba(3, 22, 46, 0.72) 46%, rgba(3, 22, 46, 0.1) 100%),
    linear-gradient(0deg, rgba(3, 22, 46, 0.18), rgba(3, 22, 46, 0));
}

.hero-orb-canvas {
  position: absolute;
  z-index: -1;
  top: 50%;
  right: clamp(-180px, -7vw, -60px);
  width: min(760px, 58vw);
  height: min(760px, 58vw);
  transform: translateY(-48%);
  filter: drop-shadow(0 0 34px rgba(0, 209, 255, 0.18));
  opacity: 0.96;
}

.hero h1 {
  max-width: 790px;
  margin: 0;
  color: #ffffff;
  font-size: clamp(2.8rem, 7.4vw, 6.8rem);
  line-height: 0.93;
  letter-spacing: 0;
}

.hero h1 span {
  display: block;
  opacity: 0;
  transform: translateY(34px) rotateX(16deg);
  transform-origin: left bottom;
  animation: headlineRise 900ms cubic-bezier(0.2, 0.8, 0.18, 1) forwards;
}

.hero h1 span:nth-child(2) {
  animation-delay: 140ms;
}

.hero h1 span:nth-child(3) {
  color: #9ff7ff;
  animation-delay: 280ms;
}

.hero-copy p {
  max-width: 610px;
  margin: 24px 0 0;
  color: #c9d8ea;
  font-size: clamp(1rem, 2vw, 1.22rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 34px;
}

.trust-row span,
.trust-row a {
  padding: 10px 12px;
  color: #d9fbff;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(159, 247, 255, 0.22);
  border-radius: 999px;
  font-size: 0.86rem;
  font-weight: 700;
  text-decoration: none;
}

.hero-card,
.quote-form,
.calculator,
.service-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

dl {
  margin: 20px 0;
}

dl div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 9px 0;
  border-bottom: 1px solid var(--line);
}

dt {
  color: var(--muted);
}

dd {
  margin: 0;
  font-weight: 800;
}

.fine-print {
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 0.82rem;
}

.hero-card {
  position: relative;
  padding: 28px;
  color: #fff;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.14), rgba(255, 255, 255, 0.08));
  border-color: rgba(187, 244, 255, 0.26);
  box-shadow: 0 26px 80px rgba(0, 0, 0, 0.28);
  backdrop-filter: blur(18px);
  overflow: hidden;
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: -1px;
  z-index: -1;
  background:
    linear-gradient(135deg, rgba(0, 214, 255, 0.3), transparent 36%),
    radial-gradient(circle at top right, rgba(244, 160, 0, 0.22), transparent 34%);
}

.card-label,
.result-panel span {
  display: block;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 800;
}

.repayment-hero {
  display: block;
  margin-top: 4px;
  color: #9ff7ff;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1;
}

.hero-card dt,
.hero-card .fine-print {
  color: #b9c9db;
}

.hero-card dl div {
  border-color: rgba(255, 255, 255, 0.18);
}

.hero-card .card-label {
  color: #cfe4f4;
}

.section {
  padding: clamp(54px, 8vw, 92px) clamp(18px, 5vw, 72px);
}

body.motion-ready .reveal-item.is-visible,
body.motion-ready .reveal-section.is-visible > .section-heading,
body.motion-ready .reveal-section.is-visible > .process-copy,
body.motion-ready .reveal-section.is-visible > .process-list,
body.motion-ready .reveal-section.is-visible > .quote-form,
body.motion-ready .reveal-section.is-visible > .calculator,
body.motion-ready .reveal-section.is-visible > .lender-grid {
  animation: sectionRevealIn 700ms ease both;
}

.reveal-on-load {
  animation: panelFloatIn 900ms cubic-bezier(0.2, 0.8, 0.18, 1) both;
}

.hero-card.reveal-on-load {
  animation-delay: 420ms;
}

@keyframes sectionRevealIn {
  from {
    opacity: 0;
    transform: translateY(28px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 34px;
  text-align: center;
}

h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.1;
  letter-spacing: 0;
}

.section-heading p,
.process-copy p,
.form-header p,
.calculator-header p {
  color: var(--muted);
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 18px;
}

.service-card {
  padding: 24px;
  box-shadow: none;
}

.icon {
  display: grid;
  width: 48px;
  height: 48px;
  margin-bottom: 18px;
  place-items: center;
  color: var(--teal);
  background: var(--teal-2);
  border-radius: 8px;
  font-size: 1.8rem;
}

.service-card h3,
.site-footer h3 {
  margin: 0 0 10px;
  color: var(--navy);
}

.service-card p {
  color: var(--muted);
}

.service-card a {
  color: var(--teal);
  font-weight: 800;
  text-decoration: none;
}

.process-section {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(300px, 1fr);
  gap: 36px;
  background: var(--soft);
}

.process-list {
  display: grid;
  gap: 14px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.process-list li {
  counter-increment: step;
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 18px;
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.process-list li::before {
  content: counter(step);
  display: grid;
  width: 48px;
  height: 48px;
  place-items: center;
  color: #fff;
  background: var(--navy);
  border-radius: 8px;
  font-weight: 900;
}

.process-list strong,
.process-list span {
  grid-column: 2;
}

.process-list strong {
  color: var(--navy);
  font-size: 1.1rem;
}

.process-list span {
  color: var(--muted);
}

.lead-engine-band {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
  padding: clamp(34px, 5vw, 56px) clamp(18px, 5vw, 72px);
  color: #fff;
  background: linear-gradient(135deg, #06244a, #078b8f);
}

.lead-engine-band h2,
.lead-engine-band p {
  margin: 0;
  color: #fff;
}

.lead-engine-band p {
  max-width: 680px;
  margin-top: 10px;
  color: #d9fbff;
}

.tools-section {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
  gap: 26px;
  align-items: start;
}

.quote-form,
.calculator {
  padding: clamp(20px, 3vw, 34px);
}

.form-header,
.calculator-header {
  margin-bottom: 24px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

label {
  display: grid;
  gap: 8px;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  min-height: 46px;
  padding: 11px 12px;
  color: var(--ink);
  background: #fff;
  border: 1px solid #cfd9e5;
  border-radius: 6px;
  font: inherit;
  font-size: 0.95rem;
}

textarea {
  min-height: 104px;
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  outline: 3px solid rgba(7, 139, 143, 0.18);
  border-color: var(--teal);
}

.span-2 {
  grid-column: 1 / -1;
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 18px 0;
  color: var(--muted);
  font-weight: 600;
}

.consent input {
  width: 18px;
  min-height: 18px;
  margin-top: 2px;
}

.consent a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.form-status {
  margin: 14px 0 0;
  color: var(--teal);
  font-weight: 800;
}

.form-status a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.calculator {
  display: grid;
  gap: 16px;
  background: linear-gradient(180deg, #ffffff, #f5fbfb);
}

.result-panel {
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.result-panel strong {
  display: block;
  margin-top: 4px;
  color: var(--teal);
  font-size: 2.4rem;
  line-height: 1;
}

.lenders-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 12% 18%, rgba(0, 151, 154, 0.12), transparent 34%),
    radial-gradient(circle at 88% 70%, rgba(255, 165, 0, 0.12), transparent 30%),
    linear-gradient(180deg, #ffffff 0%, #f4fbfb 100%);
}

.lenders-section::before {
  position: absolute;
  inset: 42px 6% auto;
  height: 1px;
  content: "";
  background: linear-gradient(90deg, transparent, rgba(0, 151, 154, 0.35), transparent);
}

.lender-showcase {
  position: relative;
  display: grid;
  gap: 18px;
  margin-top: 20px;
  padding: 22px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(210, 225, 239, 0.9);
  border-radius: 8px;
  box-shadow: 0 22px 60px rgba(6, 36, 74, 0.08);
}

.lender-showcase::before {
  position: absolute;
  inset: 0;
  pointer-events: none;
  content: "";
  background:
    linear-gradient(135deg, rgba(0, 151, 154, 0.08), transparent 34%),
    radial-gradient(circle at 80% 16%, rgba(127, 240, 244, 0.24), transparent 22%);
}

.lender-showcase-header {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.lender-showcase-header span {
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.lender-toggle {
  min-height: 42px;
  padding: 0 18px;
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  box-shadow: 0 10px 24px rgba(6, 36, 74, 0.08);
  font: inherit;
  font-weight: 900;
  cursor: pointer;
  transition:
    transform 180ms ease,
    border-color 180ms ease,
    box-shadow 180ms ease;
}

.lender-toggle:hover {
  border-color: rgba(0, 151, 154, 0.45);
  box-shadow: 0 14px 30px rgba(6, 36, 74, 0.12);
  transform: translateY(-1px);
}

.lender-marquee-wrap {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 12px;
  padding: 4px 0;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}

.lender-marquee {
  display: flex;
  width: 100%;
  overflow: hidden;
}

.lender-track {
  display: flex;
  width: max-content;
  min-width: 100%;
  gap: 12px;
  animation: lender-marquee 34s linear infinite;
  will-change: transform;
}

.lender-marquee-reverse .lender-track {
  animation-name: lender-marquee-reverse;
  animation-duration: 42s;
}

.lender-showcase:hover .lender-track,
.lender-showcase:focus-within .lender-track {
  animation-play-state: paused;
}

.lender-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
}

.lender-grid-all {
  position: relative;
  z-index: 1;
  overflow: hidden;
  max-height: 1200px;
  opacity: 1;
  transition:
    max-height 360ms ease,
    opacity 220ms ease,
    transform 260ms ease;
}

.lender-grid-all[hidden] {
  display: none;
}

.lender-showcase.is-collapsed .lender-grid-all {
  max-height: 0;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-8px);
}

.lender-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  min-height: 74px;
  padding: 14px 18px;
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 8px 22px rgba(6, 36, 74, 0.05);
}

.lender-track .lender-logo {
  flex: 0 0 220px;
  min-height: 86px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 12px 30px rgba(6, 36, 74, 0.08);
}

.lender-logo img {
  flex: 0 0 auto;
  width: auto;
  max-width: 168px;
  max-height: 44px;
  object-fit: contain;
  image-rendering: auto;
}

.lender-logo strong {
  font-size: 1rem;
  font-weight: 900;
  line-height: 1.14;
  text-align: left;
}

.lender-logo:has(strong) img {
  max-width: 58px;
  max-height: 38px;
}

@keyframes lender-marquee {
  from {
    transform: translate3d(0, 0, 0);
  }

  to {
    transform: translate3d(calc(-50% - 6px), 0, 0);
  }
}

@keyframes lender-marquee-reverse {
  from {
    transform: translate3d(calc(-50% - 6px), 0, 0);
  }

  to {
    transform: translate3d(0, 0, 0);
  }
}

@keyframes headerAurora {
  0% {
    transform: translate3d(-3%, -2%, 0) rotate(0deg);
  }

  100% {
    transform: translate3d(3%, 2%, 0) rotate(4deg);
  }
}

@keyframes headerSweep {
  0%,
  42% {
    transform: translateX(-120%);
  }

  72%,
  100% {
    transform: translateX(120%);
  }
}

.contact-band {
  position: relative;
  display: grid;
  grid-template-columns: minmax(260px, 0.9fr) minmax(320px, 1.1fr);
  gap: clamp(18px, 4vw, 48px);
  align-items: center;
  padding: 42px clamp(18px, 5vw, 72px);
  color: #fff;
  background:
    radial-gradient(circle at 14% 18%, rgba(127, 240, 244, 0.12), transparent 28%),
    linear-gradient(135deg, #052247 0%, #073665 100%);
}

.contact-band::before {
  position: absolute;
  inset: 0 0 auto;
  height: 1px;
  content: "";
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.38), transparent);
}

.contact-band h2,
.contact-band p {
  margin: 0;
  color: #fff;
}

.contact-band h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  letter-spacing: 0;
}

.contact-band p {
  max-width: 560px;
  margin-top: 6px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 1rem;
}

.contact-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: flex-end;
}

.contact-links a {
  display: inline-flex;
  min-height: 40px;
  align-items: center;
  justify-content: center;
  padding: 9px 14px;
  color: rgba(255, 255, 255, 0.88);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
  transition:
    background 180ms ease,
    border-color 180ms ease,
    color 180ms ease,
    transform 180ms ease;
}

.contact-links a:hover,
.contact-links a:focus-visible {
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(127, 240, 244, 0.46);
  transform: translateY(-1px);
}

.site-footer {
  padding: 38px clamp(18px, 5vw, 72px) 22px;
  color: #dce8f4;
  background: #031b37;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.1fr 1fr 1.2fr 0.7fr;
  gap: 30px;
}

.footer-brand strong {
  color: #fff;
}

.footer-brand .brand-icon {
  width: 58px;
  height: 48px;
}

.site-footer h3 {
  color: #fff;
}

.site-footer p,
.site-footer a {
  color: #dce8f4;
  font-size: 0.9rem;
}

.site-footer a {
  display: block;
  margin: 5px 0;
  text-decoration: none;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  color: #b9cce0;
  font-size: 0.84rem;
}

.legal-page {
  max-width: 920px;
  margin: 0 auto;
  padding: clamp(120px, 12vw, 150px) 20px clamp(46px, 8vw, 86px);
}

.legal-page h1 {
  margin: 0 0 22px;
  color: var(--navy);
  font-size: clamp(2.4rem, 5vw, 4rem);
  line-height: 1.05;
}

.legal-page h2 {
  margin-top: 34px;
  font-size: 1.45rem;
}

.legal-page p {
  color: #334b68;
}

.compact-footer {
  padding: 26px clamp(18px, 5vw, 72px);
}

.page-hero {
  position: relative;
  isolation: isolate;
  padding: clamp(118px, 12vw, 154px) clamp(18px, 5vw, 72px) clamp(54px, 8vw, 88px);
  color: #fff;
  background:
    radial-gradient(circle at 82% 28%, rgba(0, 224, 255, 0.2), transparent 30%),
    linear-gradient(135deg, #03162e, #06244a 58%, #071f42);
  overflow: hidden;
}

.page-hero h1 {
  max-width: 880px;
  margin: 0;
  font-size: clamp(2.65rem, 6vw, 5.4rem);
  line-height: 0.98;
  color: #fff;
}

.page-hero p {
  max-width: 720px;
  color: #c9d8ea;
  font-size: clamp(1rem, 2vw, 1.22rem);
}

.page-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}

.content-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.content-card,
.checklist-card,
.faq-item {
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(6, 36, 74, 0.06);
}

.content-card h3,
.checklist-card h3,
.faq-item h3 {
  margin: 0 0 10px;
  color: var(--navy);
}

.content-card p,
.faq-item p {
  margin: 0;
  color: var(--muted);
}

.factor-list,
.checklist-card ul {
  display: grid;
  gap: 10px;
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 14px;
}

.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.guide-card {
  display: grid;
  gap: 12px;
  padding: 24px;
  background: linear-gradient(180deg, #ffffff, #f7fbfd);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(6, 36, 74, 0.06);
}

.guide-kicker {
  display: inline-flex;
  width: fit-content;
  min-height: 28px;
  align-items: center;
  padding: 0 10px;
  color: var(--teal);
  background: var(--teal-2);
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
}

.guide-card h3 {
  margin: 0;
  color: var(--navy);
  font-size: 1.28rem;
}

.guide-card p {
  margin: 0;
  color: var(--muted);
}

.guide-card a {
  color: var(--teal);
  font-weight: 800;
  text-decoration: none;
}

.disclaimer-note {
  padding: 18px;
  color: #52667f;
  background: #f4f8fb;
  border: 1px solid var(--line);
  border-radius: 8px;
  font-size: 0.9rem;
}

.quiz-shell {
  max-width: 980px;
  margin: 0 auto;
  padding: clamp(118px, 12vw, 150px) 20px 70px;
}

.quiz-card {
  padding: clamp(22px, 4vw, 38px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.quiz-card h1 {
  margin: 0 0 12px;
  color: var(--navy);
  font-size: clamp(2.3rem, 5vw, 4rem);
  line-height: 1.05;
}

.quiz-card > p {
  margin: 0;
  color: var(--muted);
}

.quiz-progress {
  height: 8px;
  margin: 18px 0 28px;
  overflow: hidden;
  background: #e5eef6;
  border-radius: 999px;
}

.quiz-progress span {
  display: block;
  width: 16.6%;
  height: 100%;
  background: linear-gradient(90deg, var(--teal), var(--amber));
  transition: width 220ms ease;
}

.quiz-step {
  display: none;
}

.quiz-step.is-active {
  display: grid;
  gap: 16px;
}

.quiz-step h2 {
  font-size: clamp(1.4rem, 3vw, 2rem);
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.choice-grid label {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
}

.choice-grid input {
  width: auto;
  min-height: auto;
  margin-right: 8px;
}

.quiz-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.quiz-actions .button-secondary {
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
}

@media (max-width: 980px) {
  .content-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 980px) {
  .site-header {
    grid-template-columns: 1fr auto;
    top: 10px;
    border-radius: 22px;
  }

  .menu-toggle {
    display: inline-flex;
    min-height: 40px;
    align-items: center;
    padding: 0 14px;
    color: var(--navy);
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 8px;
    font: inherit;
    font-weight: 800;
  }

  .site-nav,
  .header-cta {
    display: none;
  }

  .site-nav.is-open {
    display: grid;
    grid-column: 1 / -1;
    justify-content: stretch;
    gap: 0;
    padding: 8px 4px 4px;
  }

  .site-nav.is-open a {
    padding: 12px 0;
    border-top: 1px solid var(--line);
  }

  .static-nav {
    display: flex;
    grid-column: 1 / -1;
    justify-content: flex-start;
    flex-wrap: wrap;
  }

  .hero,
  .process-section,
  .tools-section,
  .contact-band,
  .footer-main {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding-top: 118px;
    background:
      radial-gradient(circle at 70% 24%, rgba(0, 224, 255, 0.22), transparent 32%),
      linear-gradient(135deg, #03162e 0%, #071f42 46%, #06244a 100%);
  }

  .hero-orb-canvas {
    top: 32%;
    right: -120px;
    width: 520px;
    height: 520px;
    opacity: 0.38;
  }

  .service-grid,
  .guides-grid,
  .lender-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .lender-showcase {
    padding: 18px;
  }

  .lender-track .lender-logo {
    flex-basis: 200px;
  }

  .contact-links {
    justify-content: flex-start;
  }
}

@media (max-width: 760px) {
  .lead-engine-band {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .choice-grid {
    grid-template-columns: 1fr;
  }

  .site-header {
    padding-inline: 16px;
    width: calc(100% - 20px);
  }

  .brand strong {
    font-size: 1.12rem;
  }

  .hero {
    padding-top: 108px;
  }

  .hero h1 {
    font-size: 2.7rem;
  }

  .hero-orb-canvas {
    right: -170px;
    width: 440px;
    height: 440px;
  }

  .hero-actions .button {
    width: 100%;
  }

  .trust-row span,
  .trust-row a,
  .service-card,
  .process-list li,
  .quote-form,
  .calculator {
    width: 100%;
  }

  .service-grid,
  .form-grid,
  .guides-grid,
  .lender-grid {
    grid-template-columns: 1fr;
  }

  .lender-showcase-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .lender-toggle {
    width: 100%;
  }

  .lender-track {
    gap: 10px;
  }

  .lender-track .lender-logo {
    flex-basis: 178px;
    min-height: 78px;
    padding: 12px;
  }

  .lender-track .lender-logo img {
    max-width: 132px;
  }

  .contact-band {
    padding-block: 34px;
  }

  .contact-links a {
    min-height: 38px;
    padding-inline: 12px;
    font-size: 0.95rem;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@keyframes headlineRise {
  to {
    opacity: 1;
    transform: translateY(0) rotateX(0);
  }
}

@keyframes panelFloatIn {
  from {
    opacity: 0;
    transform: translateY(24px) scale(0.98);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@keyframes starDrift {
  to {
    background-position:
      124px 124px,
      216px 240px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }

  .hero-orb-canvas {
    opacity: 0.36;
  }

  .lender-marquee-wrap {
    display: none;
  }

  .lender-toggle {
    display: none;
  }

  .lender-showcase.is-collapsed .lender-grid-all {
    max-height: none;
    opacity: 1;
    pointer-events: auto;
    transform: none;
  }
}