:root {
  --bg: #161616;
  --bg-alt: #1b1b1b;
  --panel: #212121;
  --panel-2: #262626;
  --border: #303030;
  --text: #f7f7f7;
  --muted: #a4a4a4;
  --dim: #5e5e5e;
  --accent: #0905f2;
  --accent-light: #6f6dfc;
  --white: #ffffff;
  --radius: 4px;
  --shadow-card: 0 3px 14px rgba(0, 0, 0, 0.35);
  --header-h: 72px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  background-color: var(--bg);
  color: var(--text);
  font-family: 'Lato', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

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

ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: 'Oswald', 'Arial Narrow', sans-serif;
  text-transform: uppercase;
  letter-spacing: 1px;
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: clamp(40px, 6vw, 64px); }
h2 { font-size: clamp(28px, 3.6vw, 44px); }
h3 { font-size: clamp(20px, 2.2vw, 24px); }
h4 { font-size: clamp(17px, 1.8vw, 20px); }

.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding-left: 24px;
  padding-right: 24px;
}

.section { padding: 32px 0; }
.section-alt { background-color: var(--bg-alt); }

.section-head {
  max-width: 720px;
  margin: 0 auto 32px;
  text-align: center;
}
.section-head p { color: var(--muted); margin-top: 12px; }

.eyebrow {
  display: inline-block;
  font-family: 'Cabin', Arial, sans-serif;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--accent-light);
  margin-bottom: 10px;
}

.btn {
  display: inline-block;
  font-family: 'Cabin', Arial, sans-serif;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.25s ease;
  text-align: center;
}
.btn-solid {
  background-color: var(--accent);
  color: var(--white);
}
.btn-solid:hover {
  background-color: var(--accent-light);
}
.btn-outline {
  background-color: transparent;
  border-color: currentColor;
  color: var(--text);
}
.btn-outline:hover {
  background-color: var(--accent);
  border-color: var(--accent);
  color: var(--white);
}
.btn-light {
  background-color: var(--white);
  color: var(--bg);
}
.btn-light:hover {
  background-color: var(--accent-light);
  color: var(--white);
}
.btn-sm { padding: 10px 20px; font-size: 13px; }

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-h);
  background-color: rgba(22, 22, 22, 0.96);
  transition: box-shadow 0.3s ease, background 0.3s ease;
  overflow: visible;
}
.site-header.scrolled {
  background-color: rgba(22, 22, 22, 0.98);
  box-shadow: 0 2px 14px rgba(0, 0, 0, 0.45);
}
.header-inner {
  height: var(--header-h);
  display: flex;
  align-items: center;
  gap: 24px;
  pointer-events: auto;
}
.brand { margin-right: auto; }
.main-nav { margin-left: auto; }
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  max-width: 260px;
  text-decoration: none;
}
.brand-logo-img {
  max-height: 42px;
  max-width: 160px;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
.brand-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius);
  background-color: var(--accent);
  color: var(--white);
  font-family: 'Oswald', sans-serif;
  font-weight: 700;
  font-size: 16px;
  letter-spacing: 1px;
}
.brand-text {
  font-family: 'Oswald', sans-serif;
  font-weight: 600;
  font-size: 18px;
  letter-spacing: 2px;
  white-space: nowrap;
}
.main-nav { margin-left: auto; }
.header-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent);
  color: var(--white);
  padding: 10px 18px;
  border-radius: var(--radius);
  font-family: 'Cabin', Arial, sans-serif;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 1px;
  text-transform: uppercase;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s ease;
}
.header-cta:hover {
  background: var(--accent-light);
  color: var(--white);
  text-decoration: none;
}
.header-cta svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 32px;
}
.main-nav a {
  font-family: 'Lato', sans-serif;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--text);
  padding-bottom: 4px;
  border-bottom: 1px solid transparent;
  transition: color 0.2s ease, border-color 0.2s ease;
  white-space: nowrap;
}
.main-nav a:hover,
.main-nav a.active {
  color: var(--accent-light);
  border-bottom-color: var(--accent-light);
}

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 48px;
  height: 48px;
  background: transparent;
  border: 0;
  cursor: pointer;
  position: relative;
  z-index: 10;
  pointer-events: auto;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  user-select: none;
}
.hamburger:active {
  outline: 2px solid var(--accent-light);
  outline-offset: 2px;
}
.hamburger span {
  display: block;
  height: 2px;
  width: 24px;
  margin: 0 auto;
  background-color: var(--text);
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed;
  top: var(--header-h);
  left: 0;
  right: 0;
  z-index: 9999;
  background-color: #101010;
  display: none;
  border-bottom: 1px solid var(--border);
}
.mobile-menu.open { display: block !important; }
.mobile-menu ul { padding: 12px 24px 24px; list-style: none; margin: 0; }
.mobile-menu a {
  display: block;
  padding: 14px 0;
  font-family: 'Lato', sans-serif;
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border-bottom: 1px solid rgba(76, 76, 76, 0.35);
  color: var(--text);
  text-decoration: none;
}
.mobile-menu li:last-child a { border-bottom: 0; }
.mobile-menu a:hover,
.mobile-menu a.active { color: var(--accent-light); }

body.menu-open { overflow: hidden; }

.hero {
  padding-top: calc(var(--header-h) + 64px);
  padding-bottom: 80px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero-copy .eyebrow { margin-bottom: 14px; }
.hero-lede {
  font-style: italic;
  font-weight: 700;
  font-size: clamp(17px, 1.9vw, 21px);
  margin: 20px 0 28px;
  color: var(--text);
}
.hero-sub { color: var(--muted); max-width: 480px; margin-bottom: 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; }
.hero-media img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: 7px;
  box-shadow: var(--shadow-card);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.loan-card {
  display: flex;
  flex-direction: column;
  background-color: var(--panel);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 10px 26px rgba(0, 0, 0, 0.5);
}
.loan-card-media img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}
.loan-card-body {
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  padding: 24px;
}
.loan-card-body h3 { margin-bottom: 10px; }
.loan-card-body p { color: var(--muted); font-size: 15px; flex-grow: 1; }
.loan-card-body .btn { margin-top: 20px; align-self: flex-start; }

.rate-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.rate-card {
  position: relative;
  background-color: var(--panel);
  border-radius: var(--radius);
  padding: 32px 28px 28px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform 0.25s ease;
}
.rate-card:hover { transform: translateY(-6px); }
.rate-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background-color: var(--accent);
}
.rate-card h3 { margin-bottom: 6px; }
.rate-amount {
  font-family: 'Oswald', sans-serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--accent-light);
  margin-bottom: 16px;
}
.rate-list li {
  position: relative;
  padding: 8px 0 8px 30px;
  border-bottom: 1px solid rgba(76, 76, 76, 0.3);
  color: var(--muted);
  font-size: 14.5px;
}
.rate-list li:last-child { border-bottom: 0; }
.rate-list li::before {
  content: '\2714';
  position: absolute;
  left: 0;
  top: 8px;
  color: var(--accent-light);
  font-size: 13px;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.about-grid h4 {
  color: var(--accent-light);
  margin: 18px 0 12px;
}
.about-grid p { color: var(--muted); margin-bottom: 16px; }
.about-media img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 7px;
  box-shadow: var(--shadow-card);
}

.badges-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 48px;
}
.badge-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  text-align: center;
}
.badge-item img { width: 120px; height: auto; opacity: 0.92; }
.badge-caption {
  font-family: 'Cabin', sans-serif;
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--dim);
}

.apply-banner {
  position: relative;
  background: linear-gradient(120deg, #0905f2 0%, #2b27d8 55%, #12104f 100%);
  color: var(--white);
}
.apply-inner {
  padding: 72px 24px;
  text-align: center;
}
.apply-inner h2 { color: var(--white); }
.apply-inner p {
  max-width: 560px;
  margin: 14px auto 32px;
  color: rgba(255, 255, 255, 0.82);
}
.apply-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
}

.social-section { text-align: center; }
.social-row {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-top: 28px;
}
.social-row a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 1px solid var(--border);
  color: var(--muted);
  transition: all 0.25s ease;
}
.social-row a:hover {
  color: var(--white);
  background-color: var(--accent);
  border-color: var(--accent);
}
.social-row svg { width: 22px; height: 22px; fill: currentColor; }

.site-footer {
  background-color: #101010;
  border-top: 1px solid var(--border);
  padding-top: 64px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}
.footer-brand p { color: var(--muted); font-size: 14.5px; margin: 16px 0 20px; max-width: 320px; }
.footer-col h4 { font-size: 15px; letter-spacing: 2px; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col a {
  font-family: 'Cabin', sans-serif;
  font-size: 13.5px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--muted);
  transition: color 0.2s ease;
}
.footer-col a:hover { color: var(--accent-light); }
.footer-social { display: flex; gap: 14px; }
.footer-social a {
  display: inline-flex;
  width: 38px;
  height: 38px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  border: 1px solid var(--border);
  color: var(--muted);
  transition: all 0.25s ease;
}
.footer-social a:hover { color: var(--white); background-color: var(--accent); border-color: var(--accent); }
.footer-social svg { width: 16px; height: 16px; fill: currentColor; }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  padding-bottom: 24px;
  text-align: center;
  color: var(--dim);
  font-size: 13px;
}

.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: -500px;
  z-index: 2000;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 32px;
  background-color: #101010;
  border-top: 1px solid var(--border);
  box-shadow: 0 -4px 18px rgba(0, 0, 0, 0.5);
  transition: bottom 0.5s ease-in;
}
.cookie-banner.show { bottom: 0; }
.cookie-banner p { color: var(--muted); font-size: 14px; }

.page-hero {
  padding-top: calc(var(--header-h) + 32px);
  padding-bottom: 24px;
  background: linear-gradient(140deg, #161616 55%, #12104f 130%);
}
.page-hero h1 { font-size: clamp(34px, 4.6vw, 52px); }
.page-hero p { max-width: 640px; margin-top: 16px; color: var(--muted); }
.page-hero .btn { margin-top: 28px; }

.program-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  padding-top: 0;
  padding-bottom: 0;
}
.program-row.flip .program-media { order: 2; }
.program-media { overflow: hidden; }
.program-row img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
  border-radius: 7px;
  box-shadow: var(--shadow-card);
}
.program-copy h2 { margin-bottom: 16px; }
.program-copy p { color: var(--muted); margin-bottom: 16px; }
.check-list { margin: 8px 0 24px; }
.check-list li {
  position: relative;
  padding: 6px 0 6px 30px;
  color: var(--muted);
}
.check-list li::before {
  content: '\2714';
  position: absolute;
  left: 0;
  top: 6px;
  color: var(--accent-light);
  font-size: 13px;
}
.program-divider { border: 0; border-top: 1px solid var(--border); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.step-card {
  background-color: var(--panel);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--accent);
  color: var(--white);
  font-family: 'Oswald', sans-serif;
  font-size: 19px;
  font-weight: 600;
  margin-bottom: 16px;
}
.step-card h3 { font-size: 17px; margin-bottom: 8px; }
.step-card p { color: var(--muted); font-size: 14.5px; }

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.benefit-card {
  background-color: var(--panel);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
  transition: transform 0.25s ease;
}
.benefit-card:hover { transform: translateY(-6px); }
.benefit-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  background-color: rgba(111, 109, 252, 0.14);
  color: var(--accent-light);
  margin-bottom: 18px;
}
.benefit-icon svg { width: 26px; height: 26px; fill: currentColor; }
.benefit-card h3 { font-size: 17px; margin-bottom: 8px; }
.benefit-card p { color: var(--muted); font-size: 14.5px; }

.faq-wrap { max-width: 800px; margin: 0 auto; }
.faq-item {
  background-color: var(--panel);
  border-radius: var(--radius);
  margin-bottom: 14px;
  overflow: hidden;
  border: 1px solid transparent;
  transition: border-color 0.2s ease;
}
.faq-item[open] { border-color: rgba(111, 109, 252, 0.4); }
.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 24px;
  font-family: 'Cabin', sans-serif;
  font-weight: 700;
  font-size: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: 'Oswald', sans-serif;
  font-size: 24px;
  color: var(--accent-light);
  line-height: 1;
  transition: transform 0.25s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 24px 20px; color: var(--muted); font-size: 15px; }

.disclaimer-note {
  max-width: 800px;
  margin: 40px auto 0;
  padding: 16px 20px;
  border-left: 3px solid var(--accent-light);
  background-color: var(--panel);
  color: var(--dim);
  font-size: 13px;
  border-radius: 0 var(--radius) var(--radius) 0;
}

.roles-list { max-width: 860px; margin: 0 auto; }
.role-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background-color: var(--panel);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 16px;
  box-shadow: var(--shadow-card);
}
.role-info h3 { font-size: 18px; }
.role-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-top: 6px;
  color: var(--muted);
  font-size: 13.5px;
}
.role-meta span { display: inline-flex; align-items: center; gap: 6px; }
.role-meta svg { width: 14px; height: 14px; fill: var(--accent-light); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 56px;
  align-items: start;
}
.info-block { margin-bottom: 28px; }
.info-block h4 { color: var(--accent-light); font-size: 14px; letter-spacing: 2px; margin-bottom: 6px; }
.info-block p { color: var(--muted); font-size: 15px; }

.form-panel {
  background-color: var(--panel);
  border-radius: 7px;
  padding: 36px 32px;
  box-shadow: var(--shadow-card);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-family: 'Cabin', sans-serif;
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--muted);
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  background-color: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  color: var(--text);
  font-family: 'Lato', sans-serif;
  font-size: 15px;
  padding: 12px 14px;
  transition: border-color 0.2s ease;
}
.form-field textarea { min-height: 140px; resize: vertical; }
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--accent-light);
}
.form-field.invalid input,
.form-field.invalid textarea { border-color: #e05252; }
.form-error {
  display: none;
  font-size: 12.5px;
  color: #e05252;
}
.form-field.invalid .form-error { display: block; }
.form-panel .btn { margin-top: 24px; width: 100%; }
.form-success {
  display: none;
  margin-top: 20px;
  padding: 14px 18px;
  border-radius: var(--radius);
  background-color: rgba(111, 109, 252, 0.14);
  border: 1px solid rgba(111, 109, 252, 0.5);
  color: var(--text);
  font-size: 14.5px;
}
.form-success.show { display: block; }

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.calc-grid h3 { margin-bottom: 20px; }
.calc-results {
  position: relative;
  margin-top: 24px;
  padding: 18px 22px;
  background-color: var(--bg-alt);
  border-radius: var(--radius);
  overflow: hidden;
}
.calc-results::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background-color: var(--accent);
}
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(76, 76, 76, 0.3);
  color: var(--muted);
  font-size: 14px;
}
.calc-row:last-child { border-bottom: 0; }
.calc-row strong {
  font-family: 'Oswald', sans-serif;
  font-weight: 600;
  font-size: 19px;
  letter-spacing: 0.5px;
  color: var(--accent-light);
  white-space: nowrap;
}
.calc-note {
  margin-top: 14px;
  color: var(--dim);
  font-size: 12.5px;
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible { opacity: 1; transform: none; }

@media (max-width: 1023px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .header-cta { display: none; }
  .card-grid, .rate-grid, .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { gap: 40px; }
  .program-row { gap: 40px; }
}

@media (max-width: 767px) {
  .section { padding: 56px 0; }
  .hero-grid, .about-grid, .contact-grid, .program-row { grid-template-columns: 1fr; }
  .program-row.flip .program-media { order: 0; }
  .program-row { gap: 24px; }
  .program-media img { max-height: 260px; }
  .program-copy { min-width: 0; word-wrap: break-word; overflow-wrap: break-word; }
  .program-copy h2, .program-copy p, .program-copy li { word-break: break-word; }
  .card-grid, .rate-grid, .benefit-grid, .steps-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .badges-row { gap: 28px; }
  .cookie-banner { padding: 16px 20px; }
  .role-row { flex-direction: column; align-items: flex-start; }
}