/* LenderGary — the whole design system, one file.
   Tokens first. Navy is sampled from Gary's logo (#07163C); the light blue is
   the "light blue button" he asked for. No green anywhere. */
:root{
  --navy:#07163C;--navy-2:#0F2552;--navy-3:#1A3468;
  --sky:#2F7FD1;--sky-hover:#2569B0;--sky-soft:#8EC1F0;
  --tint:#EAF2FB;--ice:#F5F8FC;--line:#E2E8F1;
  --ink:#0B1430;--muted:#55607A;--white:#fff;--star:#F2B01E;--err:#B42318;
  --serif:"Source Serif 4",Georgia,serif;--sans:"Plus Jakarta Sans",system-ui,-apple-system,sans-serif;
  --r:14px;--wrap:1180px;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:96px}
html,body{margin:0;background:var(--white)}
body{font-family:var(--sans);color:var(--ink);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body>.wp-site-blocks{min-height:100vh;display:flex;flex-direction:column}
body>.wp-site-blocks>main{flex:1}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4,p,blockquote,figure,dl,dd,ul,ol{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);font-weight:600;letter-spacing:-.01em;line-height:1.15;color:var(--navy)}
h1{font-size:clamp(34px,5.2vw,56px)}
h2{font-size:clamp(28px,3.6vw,40px)}
h3{font-size:21px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:12px;top:12px}
:focus-visible{outline:2px solid var(--sky);outline-offset:3px}

.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sky-hover)}
.eyebrow:before{content:"";width:22px;height:12px;flex:none;background:currentColor;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 12'%3E%3Cpath d='M1 11 11 2l10 9' fill='none' stroke='%23000' stroke-width='2'/%3E%3C/svg%3E") center/contain no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 12'%3E%3Cpath d='M1 11 11 2l10 9' fill='none' stroke='%23000' stroke-width='2'/%3E%3C/svg%3E") center/contain no-repeat}
.lede{font-size:18px;color:var(--muted);max-width:560px}
.sec{padding:96px 0}
.sec-ice{background:var(--ice)}
.sec-head{max-width:680px;margin:0 auto 52px;text-align:center;display:grid;gap:14px;justify-items:center}
.sec-head p{color:var(--muted);font-size:17px}
.stars{color:var(--star);letter-spacing:2px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 15px/1 var(--sans);padding:15px 24px;min-height:48px;border-radius:10px;text-decoration:none;border:1.5px solid transparent;transition:background .2s,border-color .2s,color .2s,transform .2s;white-space:nowrap;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3)}
.btn-sky{background:var(--sky);color:#fff}.btn-sky:hover{background:var(--sky-hover)}
.btn-line{border-color:var(--line);color:var(--navy);background:#fff}.btn-line:hover{border-color:var(--navy)}
.btn-ghost-w{border-color:rgba(255,255,255,.35);color:#fff;background:transparent}.btn-ghost-w:hover{border-color:#fff}
.btn-sm{padding:11px 16px;min-height:42px;font-size:14px}
.btn[disabled]{opacity:.6;cursor:wait;transform:none}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.admin-bar .hdr{top:32px}
@media screen and (max-width:782px){.admin-bar .hdr{top:46px}}
.hdr-in{display:flex;align-items:center;gap:28px;height:84px}
.brand img{height:52px;width:auto}
.hdr-nav{display:flex;gap:26px;font-size:15px;font-weight:500;margin-left:12px}
.hdr-nav a{text-decoration:none;color:var(--ink);white-space:nowrap}
.hdr-nav a:hover,.hdr-nav a[aria-current]{color:var(--sky-hover)}
.hdr-r{margin-left:auto;display:flex;align-items:center;gap:12px}
.tel{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;text-decoration:none;color:var(--navy);white-space:nowrap}
.tel svg{width:16px;height:16px;flex:none}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.burger span,.burger span:before,.burger span:after{display:block;width:18px;height:2px;background:var(--navy);position:relative;content:""}
.burger span:before{position:absolute;top:-6px}.burger span:after{position:absolute;top:6px}
.mnav{display:none}
.lp-hdr .hdr-in{height:76px}.lp-hdr .brand img{height:46px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:72px 0 88px}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{margin:18px 0 20px}
.hero h1 em{font-style:normal;color:var(--sky-hover)}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero .ctas{margin:30px 0 34px}
.proof{display:flex;flex-wrap:wrap;gap:12px 28px;font-size:14px;color:var(--muted)}
.proof b{color:var(--navy)}
.proof>span{display:flex;align-items:center;gap:8px}
.hero-art{position:relative}
.hero-art .photo{border-radius:22px;overflow:hidden;aspect-ratio:3/2;box-shadow:0 30px 60px -30px rgba(7,22,60,.45);background:var(--tint)}
.hero-art .photo img{width:100%;height:100%;object-fit:cover}
.gcard{position:absolute;left:-36px;bottom:-34px;background:#fff;border-radius:16px;padding:16px 20px 16px 16px;display:flex;gap:14px;align-items:center;box-shadow:0 20px 40px -18px rgba(7,22,60,.35);border:1px solid var(--line)}
.gcard img{width:58px;height:58px;border-radius:50%;object-fit:cover}
.gcard b{display:block;font-size:16px;color:var(--navy)}
.gcard span{display:block;font-size:13px;color:var(--muted)}
.rcard{position:absolute;right:-18px;top:28px;background:var(--navy);color:#fff;border-radius:14px;padding:14px 18px;text-align:center;box-shadow:0 20px 40px -18px rgba(7,22,60,.5);text-decoration:none}
.rcard .n{font:600 30px/1 var(--serif)}
.rcard .stars{font-size:13px;margin:4px 0 2px;display:block}
.rcard .t{font-size:12px;color:var(--sky-soft);letter-spacing:.08em;text-transform:uppercase}

/* ---------- loan path cards ---------- */
.paths{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.path{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 22px 24px;display:flex;flex-direction:column;gap:10px;text-decoration:none;transition:border-color .2s,box-shadow .2s,transform .2s}
.path:hover{border-color:var(--sky);box-shadow:0 18px 36px -24px rgba(47,127,209,.6);transform:translateY(-3px)}
.ic{width:46px;height:46px;border-radius:12px;background:var(--tint);color:var(--navy);display:grid;place-items:center;flex:none}
.ic svg{width:22px;height:22px}
.path .ic{margin-bottom:6px}
.path h3{font-size:19px}
.path p{font-size:14px;color:var(--muted);flex:1}
.go{font-size:14px;font-weight:600;color:var(--sky-hover)}

/* ---------- reviews ---------- */
.rev{background:var(--navy);color:#fff}
.rev h2,.rev h3{color:#fff}
.rev .sec-head p{color:#B8C4DC}
.rev .eyebrow{color:var(--sky-soft)}
.rev-grid{display:grid;grid-template-columns:320px 1fr 1fr;gap:20px;align-items:stretch}
.score{border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:30px;display:flex;flex-direction:column;gap:6px}
.score .n{font:600 64px/1 var(--serif)}
.score .stars{font-size:20px;letter-spacing:3px}
.score small{color:#B8C4DC;font-size:14px}
.score .links{margin-top:auto;display:grid;gap:10px;padding-top:24px}
.quote{background:var(--navy-2);border:1px solid rgba(255,255,255,.08);border-radius:var(--r);padding:30px;display:flex;flex-direction:column;gap:18px}
.quote blockquote p{font-size:16px;line-height:1.7;color:#E4EAF5}
.quote figcaption{margin-top:auto;display:flex;align-items:center;gap:12px;font-size:14px}
.av{width:40px;height:40px;border-radius:50%;background:var(--sky-hover);display:grid;place-items:center;font-weight:700;font-size:16px;flex:none;color:#fff}
.quote figcaption b{display:block}.quote figcaption div span{color:#A9B8D4}
/* light variant for landing pages */
.rev-light .quote{background:#fff;border-color:var(--line)}
.rev-light .quote blockquote p{color:var(--ink)}
.rev-light .quote figcaption div span{color:var(--muted)}
.duo{display:grid;grid-template-columns:1fr 1fr;gap:20px}

/* ---------- split (why / meet) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.split .photo{border-radius:22px;overflow:hidden;aspect-ratio:1/1;background:var(--tint)}
.split .photo img{width:100%;height:100%;object-fit:cover}
.split h2{margin:14px 0 16px}
.feats{display:grid;grid-template-columns:1fr 1fr;gap:26px 30px;margin-top:34px}
.feat{display:grid;gap:6px;align-content:start}
.feat .ic{width:40px;height:40px;border-radius:10px;color:var(--sky-hover);margin-bottom:6px}
.feat .ic svg{width:20px;height:20px}
.feat b{color:var(--navy);font-size:16px}
.feat p{font-size:14px;color:var(--muted)}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;list-style:none;padding:0}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px}
.step .k{font:600 15px/1 var(--sans);color:#fff;background:var(--navy);width:36px;height:36px;border-radius:50%;display:grid;place-items:center;margin-bottom:20px}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:15px}
.step a{display:inline-block;margin-top:16px;font-weight:600;color:var(--sky-hover);text-decoration:none;font-size:14px}

/* ---------- calculator ---------- */
.calc-in{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
.cbox{border:1px solid var(--line);border-radius:20px;padding:34px;box-shadow:0 30px 60px -40px rgba(7,22,60,.35);background:#fff}
.cbox h3{margin-bottom:6px}
.cbox .sub{font-size:14px;color:var(--muted);margin-bottom:26px}
.fld{display:grid;gap:8px;margin-bottom:20px}
.fld>label,.fld>.lbl{font-size:13px;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;gap:10px}
.fld output{color:var(--muted);font-weight:500}
.inp{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;padding:0 14px;height:50px;background:#fff}
.inp:focus-within{border-color:var(--sky)}
.inp>span{color:var(--muted);font-weight:500}
.inp input,.inp select{border:0;outline:0;font:500 16px var(--sans);color:var(--ink);width:100%;background:transparent;height:100%;padding:0 6px;min-width:0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
input[type=range]{width:100%;accent-color:var(--navy);margin:4px 0 0}
.pay{margin-top:8px;background:var(--navy);color:#fff;border-radius:14px;padding:22px 24px;display:flex;justify-content:space-between;align-items:flex-end;gap:12px;flex-wrap:wrap}
.pay small{display:block;color:#B8C4DC;font-size:13px;margin-bottom:4px}
.pay .amt{font:600 38px/1 var(--serif)}
.pay .mo{font-size:14px;color:#B8C4DC}
.disc{font-size:12px;color:var(--muted);margin-top:16px}
.calc-copy h2{margin:14px 0 16px}
.calc-copy>p{color:var(--muted)}
.contact{margin-top:30px;border:1px solid var(--line);border-radius:var(--r);padding:22px;background:var(--ice)}
.contact b{display:block;font:600 20px var(--serif);color:var(--navy)}
.contact .t{font-size:13px;color:var(--muted);margin-bottom:10px}
.contact ul{list-style:none;padding:0;font-size:15px;display:grid;gap:6px}
.contact a{text-decoration:none;color:var(--navy);font-weight:500}

/* ---------- meet ---------- */
.meet .split{grid-template-columns:.8fr 1.2fr;gap:64px}
.meet .photo{aspect-ratio:1/1;max-width:440px}
.meet p{color:var(--muted);margin-bottom:14px;max-width:600px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 28px;list-style:none;padding:0}
.chips li{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;font-size:13px;font-weight:600;color:var(--navy)}
.meta{display:flex;flex-wrap:wrap;gap:12px 28px;font-size:14px;color:var(--muted)}
.meta b{color:var(--navy)}

/* ---------- faq (smooth accordion) ---------- */
.faq{max-width:820px;margin:0 auto}
.qa{border-bottom:1px solid var(--line)}
.qa h3{font:inherit;margin:0}
.qa button{all:unset;box-sizing:border-box;cursor:pointer;width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 0;font:600 18px/1.4 var(--sans);color:var(--navy)}
.qa button:focus-visible{outline:2px solid var(--sky);outline-offset:4px;border-radius:6px}
.pm{width:28px;height:28px;border-radius:50%;background:var(--tint);flex:none;position:relative;transition:background .25s}
.pm:before,.pm:after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:var(--navy);transform:translate(-50%,-50%);transition:transform .3s}
.pm:after{transform:translate(-50%,-50%) rotate(90deg)}
.qa.open .pm{background:var(--navy)}.qa.open .pm:before,.qa.open .pm:after{background:#fff}
.qa.open .pm:after{transform:translate(-50%,-50%) rotate(0)}
.qa .a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s ease}
.qa.open .a{grid-template-rows:1fr}
.qa .a>div{overflow:hidden}
.qa .a p{color:var(--muted);padding-bottom:24px;max-width:700px}

/* ---------- final cta ---------- */
.final{padding:0 0 96px}
.final-box{background:var(--navy);border-radius:24px;padding:64px;display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.final-box:after{content:"";position:absolute;left:42%;bottom:-150px;width:420px;height:300px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 120'%3E%3Cpath d='M10 110 L100 20 L190 110' fill='none' stroke='%232F7FD1' stroke-width='6' opacity='.35'/%3E%3C/svg%3E") no-repeat center/contain;pointer-events:none}
.final-box h2{color:#fff;margin-bottom:14px}
.final-box p{color:#B8C4DC;font-size:17px}
.final-box .ctas{justify-content:flex-end;position:relative;z-index:1}

/* ---------- page banner (inner pages) ---------- */
.banner{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:72px 0 64px;border-bottom:1px solid var(--line)}
.banner h1{margin:16px 0 14px}
.banner .lede{max-width:640px}
.banner.center{text-align:center}.banner.center .lede{margin:0 auto}

.ticks{list-style:none;padding:0;display:grid;gap:14px}
.ticks li{padding-left:32px;position:relative;font-size:15px;color:var(--ink)}
.ticks li:before{content:"";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;background:var(--tint)}
.ticks li:after{content:"";position:absolute;left:5px;top:7px;width:10px;height:10px;background:var(--sky-hover);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M1 5.2 3.8 8 9 2' fill='none' stroke='%23000' stroke-width='1.8'/%3E%3C/svg%3E") center/contain no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M1 5.2 3.8 8 9 2' fill='none' stroke='%23000' stroke-width='1.8'/%3E%3C/svg%3E") center/contain no-repeat}
.ticks b{color:var(--navy)}

/* ---------- loan programs (icon-led) ---------- */
.lp2-hero{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:64px 0 80px;border-bottom:1px solid var(--line)}
.lp2-hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.lp2-hero h1{margin:16px 0 18px}
.lp2-hero .ctas{margin-top:30px}
.lp2-art{position:relative;max-width:460px;justify-self:end;width:100%}
.lp2-photo{border-radius:22px;overflow:hidden;aspect-ratio:1/1;background:var(--tint);box-shadow:0 30px 60px -30px rgba(7,22,60,.45)}
.lp2-photo img{width:100%;height:100%;object-fit:cover}
.lp2-float{position:absolute;display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px 16px 10px 10px;font-weight:700;font-size:14px;color:var(--navy);box-shadow:0 18px 36px -18px rgba(7,22,60,.4)}
.lp2-float .ic{width:36px;height:36px;border-radius:10px}.lp2-float .ic svg{width:18px;height:18px}
.lp2-float.f1{left:-34px;top:36px}.lp2-float.f2{right:-24px;top:46%}.lp2-float.f3{left:-14px;bottom:30px}
.lp2-glance{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.lp2-g{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto auto;column-gap:16px;row-gap:4px;align-items:start;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;background:#fff;transition:border-color .2s,box-shadow .2s,transform .2s}
.lp2-g:hover{border-color:var(--sky);box-shadow:0 18px 36px -24px rgba(47,127,209,.6);transform:translateY(-2px)}
.lp2-g .ic{grid-row:1/4}
.lp2-g b{font:600 19px/1.25 var(--serif);color:var(--navy)}
.lp2-g span:not(.ic){font-size:14px;color:var(--muted)}
.lp2-g i{font-style:normal;font-size:12px;font-weight:700;color:var(--sky-hover);background:var(--tint);border-radius:99px;padding:3px 10px;justify-self:start;margin-top:6px}
.lp2-fit{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.lp2-f{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:grid;gap:8px;align-content:start}
.lp2-f .ic{background:var(--navy);color:#fff;margin-bottom:6px}
.lp2-f b{color:var(--navy);font-size:16px}
.lp2-f p{font-size:14px;color:var(--muted)}
.lp2-f a{color:var(--sky-hover);font-weight:600}
.lp2-group-in{display:grid;grid-template-columns:340px 1fr;gap:56px;align-items:start}
.lp2-side{position:sticky;top:110px;display:grid;gap:12px}
.lp2-sphoto{border-radius:18px;overflow:hidden;aspect-ratio:4/3;background:var(--tint);margin-bottom:10px}
.lp2-sphoto img{width:100%;height:100%;object-fit:cover}
.lp2-side h2{font-size:30px}
.lp2-side p{color:var(--muted)}
.lp2-progs{display:grid;gap:20px;min-width:0}
.lp2-p{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;display:grid;gap:18px;scroll-margin-top:100px}
.lp2-p header{display:flex;gap:18px;align-items:center}
.ic.lg{width:60px;height:60px;border-radius:16px;background:var(--navy);color:#fff}
.ic.lg svg{width:28px;height:28px}
.lp2-p h3{font-size:24px}
.lp2-p header i{font-style:normal;font-size:13px;font-weight:700;color:var(--sky-hover);display:block;margin-top:4px}
.lp2-p>p{color:var(--muted)}
.lp2-b{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.lp2-b.one{grid-template-columns:1fr}
.lp2-b li{background:var(--ice);border-radius:12px;padding:16px;font-size:14px;color:var(--muted);display:grid;gap:4px;align-content:start}
.lp2-b b{color:var(--navy);font-size:14px;padding-left:28px;position:relative;line-height:1.35}
.lp2-b b:before{content:"";position:absolute;left:0;top:-1px;width:20px;height:20px;border-radius:50%;background:var(--sky)}
.lp2-b b:after{content:"";position:absolute;left:5px;top:4px;width:10px;height:10px;background:#fff;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M1 5.2 3.8 8 9 2' fill='none' stroke='%23000' stroke-width='1.8'/%3E%3C/svg%3E") center/contain no-repeat;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M1 5.2 3.8 8 9 2' fill='none' stroke='%23000' stroke-width='1.8'/%3E%3C/svg%3E") center/contain no-repeat}
.sec-ice .lp2-b li{background:var(--tint)}
.lp2-split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.lp2-split h4{font:700 12px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.lp2-note{color:var(--muted);font-size:15px;padding:0 4px}
@media (max-width:1100px){.lp2-b{grid-template-columns:1fr}.lp2-glance,.lp2-fit{grid-template-columns:1fr 1fr}}
@media (max-width:960px){
  .lp2-hero-in,.lp2-group-in{grid-template-columns:1fr;gap:36px}
  .lp2-art{justify-self:center;max-width:380px}
  .lp2-side{position:static}
  .lp2-sphoto{aspect-ratio:16/9}
}
@media (max-width:640px){
  .lp2-glance,.lp2-fit,.lp2-split{grid-template-columns:1fr}
  .lp2-p{padding:22px}
  .lp2-float.f1{left:8px;top:16px}.lp2-float.f2{right:8px}.lp2-float.f3{left:8px;bottom:16px}
  .lp2-hero .ctas .btn{flex:1}
}

/* ---------- landing pages: capture ---------- */
.lp-hero{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:64px 0 80px}
.lp-in{display:grid;grid-template-columns:1fr 460px;grid-template-areas:"intro form" "more form";grid-template-rows:auto 1fr;column-gap:56px;align-items:start}
.lp-intro{grid-area:intro}.lp-more{grid-area:more}.lp-in .form-card{grid-area:form}
.lp-in .gline .stars{color:var(--star)}
.lp-in h1{margin:16px 0 18px;font-size:clamp(32px,4.4vw,48px)}
.lp-in .ticks{margin-top:28px}
.lp-in .gline{display:flex;gap:14px;align-items:center;margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.lp-in .gline img{width:56px;height:56px;border-radius:50%;object-fit:cover}
.lp-in .gline b{display:block;color:var(--navy)}
.lp-in .gline span{font-size:13px;color:var(--muted)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:32px;box-shadow:0 30px 60px -36px rgba(7,22,60,.4)}
.form-card h2{font-size:26px;margin-bottom:6px}
.form-card .sub{font-size:14px;color:var(--muted);margin-bottom:22px}
.form-card form{display:flex;flex-direction:column;gap:16px}
.f{display:grid;gap:6px}
.f label{font-size:13px;font-weight:600;color:var(--navy)}
.f input,.f select{font:500 16px var(--sans);color:var(--ink);border:1.5px solid var(--line);border-radius:10px;height:50px;padding:0 14px;background:#fff;width:100%;min-width:0}
.f input:focus,.f select:focus{outline:0;border-color:var(--sky)}
.f select,.inp select{-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%2307163C' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-size:12px 8px;background-position:right 18px center;padding-right:44px}
.inp select{background-position:right 12px center;padding-right:34px}
.f input::placeholder,.inp input::placeholder{color:#97A1B5;opacity:1}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.agree{display:flex;gap:10px;align-items:flex-start;font-size:14px;font-weight:600;color:var(--navy);cursor:pointer}
.agree input{width:20px;height:20px;margin:1px 0 0;accent-color:var(--navy);flex:none}
.legalbox{font-size:11.5px;line-height:1.55;color:var(--muted);background:var(--ice);border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.legalbox a{color:var(--navy)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.err{color:var(--err);font-size:14px;font-weight:500}
.err:empty{display:none}
.form-card .btn{width:100%}

/* ---------- prototype: one get-started form for every loan type ---------- */
.goal-pick{border:0;padding:0;margin:0;min-width:0}
.opts.opts-2{display:flex;flex-wrap:wrap;gap:8px}
.opts-2 .opt{padding:8px 14px 8px 11px;gap:8px;font-size:14px;border-radius:999px;flex:0 0 auto}
.opts-2 .opt input{width:16px;height:16px}
.goal-pick legend{font-size:13px;font-weight:600;color:var(--navy);margin-bottom:8px;padding:0}
.goal-set{display:none;font-size:14px;color:var(--muted);background:var(--ice);border:1px solid var(--line);border-radius:10px;padding:10px 14px}
.goal-set b{color:var(--navy)}
.goal-known .goal-pick{display:none}.goal-known .goal-set{display:block}
.linkbtn{background:none;border:0;padding:12px 8px;margin:-12px -8px -12px -2px;font:600 14px var(--sans);color:var(--sky-hover);text-decoration:underline;cursor:pointer}


/* ---------- landing pages: questionnaire ---------- */
.fn{background:linear-gradient(180deg,#fff 0%,var(--ice) 100%);padding:56px 0 88px}
.fn-in{max-width:680px;margin:0 auto}
.fn-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px;font-size:13px;font-weight:600;color:var(--muted)}
.bar{height:6px;border-radius:99px;background:var(--line);overflow:hidden;margin-bottom:28px}
.bar i{display:block;height:100%;width:0;background:var(--sky);border-radius:99px;transition:width .35s ease}
.fn-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:40px;box-shadow:0 30px 60px -40px rgba(7,22,60,.35)}
.q{border:0;padding:0;margin:0;min-width:0}
.q[hidden]{display:none}
.q legend,.q .qt{font:600 clamp(24px,3vw,30px)/1.2 var(--serif);color:var(--navy);margin-bottom:24px;padding:0}
.opts{display:grid;gap:10px}
.opt{display:flex;align-items:center;gap:14px;border:1.5px solid var(--line);border-radius:12px;padding:16px 18px;cursor:pointer;font-weight:600;color:var(--navy);transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--sky)}
.opt input{width:20px;height:20px;margin:0;accent-color:var(--navy);flex:none}
.opt:has(input:checked){border-color:var(--navy);background:var(--tint)}
.fn-nav{display:flex;justify-content:space-between;gap:12px;margin-top:30px}
.fn-nav .btn{min-width:130px}
.fn-help{margin-top:22px;text-align:center;font-size:14px;color:var(--muted)}
.fn-help a{color:var(--navy);font-weight:600}

/* ---------- thank you ---------- */
.ty{padding:80px 0 72px;text-align:center;background:linear-gradient(180deg,#fff 0%,var(--ice) 100%)}
.ty .tick{width:72px;height:72px;border-radius:50%;background:var(--navy);display:grid;place-items:center;margin:0 auto 24px}
.ty .tick svg{width:34px;height:34px}
.ty h1{margin-bottom:14px}
.ty .lede{margin:0 auto 30px}
.ty .ctas{justify-content:center}

/* ---------- legal ---------- */
.legal-in{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:110px;border:1px solid var(--line);border-radius:var(--r);padding:22px;background:var(--ice)}
.toc b{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.toc ol{list-style:none;padding:0;display:grid;gap:8px;font-size:14px}
.toc a{text-decoration:none;color:var(--navy)}.toc a:hover{color:var(--sky-hover)}
.doc{max-width:760px}
.doc section{padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid var(--line)}
.doc section:last-child{border-bottom:0}
.doc h2{font-size:26px;margin-bottom:14px}
.doc p,.doc li,.doc dd{color:#33405C;margin-bottom:12px}
.doc ul{padding-left:22px;margin-bottom:12px}
.doc dt{font-weight:700;color:var(--navy)}
.doc dd{margin-left:0}

/* ---------- footer ---------- */
.ftr{background:var(--navy);color:#B8C4DC;font-size:14px;padding:72px 0 0}
.ftr a{text-decoration:none;color:#DCE4F2}.ftr a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:40px;padding-bottom:48px}
.fgrid .flogo{height:66px;width:auto;margin-bottom:20px}
.fgrid h2{font:700 12px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#fff;margin:0 0 16px}
.fgrid ul{list-style:none;padding:0;display:grid;gap:10px}
.social{display:flex;gap:10px;margin-top:20px}
.social a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.2);display:grid;place-items:center}
.social svg{width:16px;height:16px;fill:#fff}
.sponsor{border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1);padding:28px 0;display:flex;gap:28px;align-items:center}
.sponsor img{width:56px;height:56px;flex:none;filter:brightness(0) invert(1)}
.sponsor p{font-size:13px;line-height:1.7}
.sponsor b{color:#fff}
.fbot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:22px 0 26px;font-size:13px;color:#93A1BE}
.lp-ftr{background:var(--navy);color:#B8C4DC;font-size:13px;padding:36px 0;line-height:1.7}
.lp-ftr a{color:#DCE4F2}
.lp-ftr .row{display:flex;gap:24px;align-items:center}
.lp-ftr img{width:48px;height:48px;flex:none;filter:brightness(0) invert(1)}
.lp-ftr p+p{margin-top:8px}
.mbar{display:none}

/* ---------- responsive ---------- */
@media (max-width:1180px){.hdr-r .tel{display:none}}
@media (max-width:1100px){
  .paths{grid-template-columns:repeat(3,1fr)}
  .rev-grid{grid-template-columns:1fr 1fr}
  .score{grid-column:1/-1;flex-direction:row;flex-wrap:wrap;align-items:center;gap:8px 20px}
  .score .links{margin:0 0 0 auto;padding:0;grid-auto-flow:column}
}
@media (max-width:1023px){
  .hdr-nav,.hdr .hdr-r .btn{display:none}
  .burger{display:flex}
  .hdr-in{height:72px}.brand img{height:42px}
  .mnav.open{display:grid;gap:4px;padding:8px 24px 20px;border-top:1px solid var(--line);background:#fff}
  .mnav a{padding:12px 0;text-decoration:none;font-weight:600;color:var(--navy);border-bottom:1px solid var(--line)}
  .mnav .btn{margin-top:10px;border-bottom:0;color:#fff}
  .lp-in{grid-template-columns:1fr;grid-template-areas:"intro" "form" "more";row-gap:28px}
  .lp-hdr .hdr-r .tel{display:inline-flex}
}
@media (max-width:960px){
  .hero-in,.split,.calc-in,.meet .split,.legal-in{grid-template-columns:1fr;gap:48px}
  .hero{padding:48px 0 80px}
  .why .photo{aspect-ratio:16/10;order:-1}
  .meet .photo{max-width:380px}
  .steps{grid-template-columns:1fr}
  .final-box{grid-template-columns:1fr;padding:44px 32px}.final-box .ctas{justify-content:flex-start}
  .fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}
  .sec{padding:72px 0}
  .toc{position:static}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  h1{font-size:34px}
  .paths{grid-template-columns:1fr 1fr}
  .paths .path:last-child{grid-column:1/-1}
  .path{padding:20px 16px}
  .rev-grid,.duo{grid-template-columns:1fr}
  .score{flex-direction:column;align-items:flex-start}.score .links{margin:16px 0 0;grid-auto-flow:row;width:100%}
  .feats{grid-template-columns:1fr}
  .gcard{left:12px;bottom:-30px}
  .rcard{right:10px;top:12px}
  .cbox,.form-card{padding:22px}
  .fn-card{padding:26px 20px}
  .row2,.f2{grid-template-columns:1fr}
  .sponsor,.lp-ftr .row{flex-direction:column;align-items:flex-start;gap:16px}
  .fgrid{grid-template-columns:1fr}
  .hero .ctas .btn,.final-box .ctas .btn,.ty .ctas .btn{flex:1}
  .lp-hdr .tel span{display:none}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px -12px rgba(7,22,60,.25)}
  .mbar .btn{padding:14px 10px}
  .has-mbar .ftr{padding-bottom:76px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.opt-hint{font-weight:500;color:var(--muted);font-size:.85em}