*{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#061b3a;--gold:#ffc20e;--green:#078b2d;--blue:#1451a4;--purple:#5d1bb4;--orange:#ef6817;
  --text:#13233a;--muted:#626b77
}
html{scroll-behavior:smooth}
body{font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.35}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 42px));margin:auto}

/* ── HEADER ── */
.site-header{height:80px;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.15);position:sticky;top:0;z-index:50}
.nav-wrap{height:100%;display:flex;align-items:center;justify-content:space-between;gap:30px}
.brand{width:184px;height:60px;display:flex;align-items:center;overflow:hidden}
.brand img{width:100%;height:100%;object-fit:contain}
.main-nav{display:flex;align-items:center;gap:24px;font-size:15px;font-weight:600}
.main-nav a:not(.phone-btn){opacity:.96;transition:.2s}
.main-nav a:not(.phone-btn):hover{color:var(--gold)}
.phone-btn{background:var(--gold);color:#101010;border-radius:4px;padding:11px 18px;font-weight:800;display:flex;align-items:center;gap:8px;white-space:nowrap;font-size:15px}
.phone-btn i{font-size:14px}
.menu-toggle{display:none;background:none;border:0;color:#fff;cursor:pointer;padding:4px}
.menu-toggle span{display:block;width:27px;height:2px;background:#fff;margin:5px 0}

/* ── HERO ── */
.hero{background:linear-gradient(105deg,#071d3f 0%,#061a38 62%,#09264e 100%);color:#fff;padding:32px 0 30px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr 1.22fr;gap:20px;align-items:center}

/* Hero copy */
.hero-copy{padding:18px 0 10px}
.hero-heading{font-family:"Barlow Condensed",Impact,sans-serif;font-weight:800;font-size:72px;line-height:.87;letter-spacing:-1px}
.hero-heading span{display:block;color:#fff}
.hero-heading strong{display:block;color:var(--gold)}
.hero-tagline{font-family:"Barlow Condensed",Arial,sans-serif;font-size:24px;font-weight:800;margin:15px 0 22px;letter-spacing:.3px}
.benefits{display:grid;gap:14px}
.benefit{display:flex;align-items:center;gap:12px}
.benefit-icon{width:44px;height:44px;min-width:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;border:2px solid rgba(255,255,255,.8);font-size:20px;color:#fff}
.benefit-icon.green{background:#15962c}
.benefit-icon.blue{background:#155db2}
.benefit-icon.purple{background:#6b20ba}
.benefit-icon.orange{background:#e86c18}
.benefit b{display:block;font-family:"Barlow Condensed",sans-serif;font-size:19px;letter-spacing:.3px;line-height:1.1}
.benefit small{display:block;color:#d8dde9;font-size:13px;margin-top:2px}

/* Hero offer (middle column) */
.hero-offer{align-self:center;padding-top:8px}
.trust-badge{
  width:128px;height:128px;border-radius:50%;
  border:4px dotted var(--gold);
  background:#09244b;
  box-shadow:0 0 0 5px rgba(255,194,14,.18);
  margin:0 auto 18px;
  display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;
  font-family:"Barlow Condensed",sans-serif
}
.trust-badge .badge-top{font-size:13px;letter-spacing:.5px}
.trust-badge b{font-size:30px;color:var(--gold);line-height:1.05}
.trust-badge span:last-child{font-size:12px;margin-top:2px;letter-spacing:.3px}
.funds-card{
  background:linear-gradient(170deg,#ffd735,#ffbe00);
  color:#050505;text-align:center;border-radius:5px;
  padding:10px 8px;
  box-shadow:0 0 14px rgba(255,202,26,.6);
  border:1px solid #ffe87a
}
.funds-card span{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:22px;display:block;line-height:1}
.funds-card strong{font-family:"Barlow Condensed",sans-serif;font-size:64px;line-height:.95;display:block}
.stats-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}
.stat{border-radius:5px;text-align:center;padding:10px 5px;display:flex;flex-direction:column;justify-content:center;min-height:76px;font-family:"Barlow Condensed",sans-serif}
.stat strong{font-size:34px;line-height:1}
.stat span{font-size:14px;font-weight:800;margin-top:2px}
.approval{background:#0c7f24;border:2px solid #77ef83;box-shadow:0 0 10px rgba(72,255,90,.4)}
.credit{background:#0c396f;border:2px solid #4da7ff;box-shadow:0 0 10px rgba(77,167,255,.3)}
.credit strong{font-size:17px;display:flex;align-items:center;justify-content:center;gap:5px}
.credit span{font-size:13px}

/* Application card (right column) */
.application-card{background:#fff;color:#202631;border-radius:11px;padding:22px 20px 18px;box-shadow:0 8px 22px rgba(0,0,0,.24)}
.application-card h2{font-family:"Barlow Condensed",sans-serif;font-size:26px;line-height:1;text-align:center;color:#111827}
.application-card>p{text-align:center;font-size:14px;margin-top:5px;color:#6b7280}
.yellow-line{width:36px;height:3px;background:var(--gold);margin:13px auto 15px}
#loan-form{display:grid;gap:10px}
#loan-form label{font-size:12px;font-weight:700;color:#374151;display:block}
#loan-form input,#loan-form select{
  width:100%;margin-top:4px;height:38px;
  border:1px solid #d1d5db;border-radius:4px;
  padding:0 10px;font:inherit;font-size:13px;color:#6b7280;background:#fff
}
#loan-form select{cursor:pointer}
#loan-form input:focus,#loan-form select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.primary-btn{
  width:100%;border:0;
  background:linear-gradient(90deg,#ffc300,#ffba00);
  height:44px;border-radius:4px;
  font-weight:900;font-family:"Barlow Condensed",sans-serif;font-size:20px;
  cursor:pointer;margin-top:4px;
  display:flex;align-items:center;justify-content:center;gap:10px;
  color:#111;transition:.15s
}
.primary-btn:hover{background:linear-gradient(90deg,#ffce1a,#ffba00);box-shadow:0 3px 10px rgba(255,190,0,.45)}
.primary-btn i{font-size:17px}
.secure-note{text-align:center;font-size:12px;color:#6b7280;margin-top:10px;display:flex;align-items:center;justify-content:center;gap:5px}
.secure-note i{color:#059669;font-size:13px}

/* ── SHARED SECTION STYLES ── */
.section{padding:30px 0}
.section-title{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:20px}
.section-title span{height:2px;background:var(--gold);flex:0 0 90px}
.section-title h2{font-family:"Barlow Condensed",sans-serif;font-size:30px;line-height:1;text-align:center;letter-spacing:.3px;white-space:nowrap}

/* ── LOAN OPTIONS ── */
.loans{background:#fff}
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.loan-card{
  border:1px solid #b9c3ce;border-radius:7px;overflow:hidden;
  display:flex;flex-direction:column;background:#fff;
  transition:.2s;
}
.loan-card:hover{box-shadow:0 4px 16px rgba(0,0,0,.12);transform:translateY(-2px)}
.card-top{display:flex;align-items:center;gap:11px;padding:16px 13px 11px;flex:1}
.round-icon{
  width:50px;height:50px;min-width:50px;border-radius:50%;
  border:2px solid currentColor;
  display:flex;align-items:center;justify-content:center;
  font-size:22px
}
.loan-card h3{font-family:"Barlow Condensed",sans-serif;font-size:18px;line-height:1.1}
.loan-card p{font-size:12px;line-height:1.45;margin-top:5px;color:#4b5563}
.loan-card footer{padding:10px 13px;text-align:center;color:#fff;font-size:12px;font-weight:700;letter-spacing:.2px}
.personal{color:#0a8b2c}.personal .round-icon{background:rgba(10,139,44,.08)}
.personal footer{background:#087f25}
.auto{color:#174da4}.auto .round-icon{background:rgba(23,77,164,.08)}
.auto footer{background:#174da4}
.business{color:#ec650f}.business .round-icon{background:rgba(236,101,15,.08)}
.business footer{background:#e9650d}
.debt{color:#5e1bb3}.debt .round-icon{background:rgba(94,27,179,.08)}
.debt footer{background:#5b1aae}

/* ── HOW IT WORKS ── */
.how{padding-top:22px;background:#f9fafb}
.steps{display:flex;align-items:flex-start;justify-content:space-between}
.step{text-align:center;flex:0 0 19%;position:relative}
.step-number{
  width:22px;height:22px;border-radius:50%;color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:12px;font-weight:800;
  margin:0 auto -11px;position:relative;z-index:2
}
.sn-green{background:#087f25}
.sn-blue{background:#174da4}
.sn-orange{background:#ec650f}
.sn-purple{background:#5e1bb3}
.step-icon{
  width:74px;height:74px;border:1.5px solid #cbd1d8;border-radius:50%;
  margin:0 auto;display:flex;align-items:center;justify-content:center;
  font-size:32px;background:#fff
}
.si-green{color:#0b7e2a}
.si-blue{color:#174da4}
.si-orange{color:#ec650f}
.si-purple{color:#5e1bb3}
.step h3{font-family:"Barlow Condensed",sans-serif;font-size:17px;margin-top:9px;line-height:1.1}
.step p{font-size:12px;line-height:1.4;margin-top:4px;color:#4b5563}
.step-line{flex:1;height:0;border-top:1.5px dashed #9aa4b0;position:relative;margin-top:37px}
.step-line::after{content:"›";position:absolute;right:-5px;top:-13px;color:#9aa4b0;font-size:20px}

/* ── WHY CHOOSE ── */
.why{padding-top:22px}
.why-grid{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid #e2e4e8;border-radius:6px;overflow:hidden}
.why-item{text-align:center;padding:20px 12px;border-right:1px solid #e2e4e8}
.why-item:last-child{border-right:0}
.why-item i{font-size:40px;display:block;line-height:1;margin-bottom:12px}
.wi-green i{color:#117e31}
.wi-blue i{color:#164b9e}
.wi-orange i{color:#e96a12}
.wi-purple i{color:#5b1bad}
.why-item h3{font-family:"Barlow Condensed",sans-serif;font-size:16px;margin-bottom:5px;line-height:1.1}
.why-item p{font-size:12px;line-height:1.45;color:#545d69}

/* ── TESTIMONIALS ── */
.testimonials{background:var(--navy);color:#fff;padding:26px 0 24px}
.section-title.light{margin-bottom:18px}
.section-title.light h2{color:#fff}
.testimonial-wrapper{display:flex;align-items:center;gap:14px}
.carousel-arrow{
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);
  color:#fff;border-radius:50%;width:36px;height:36px;min-width:36px;
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;font-size:14px;transition:.2s;flex-shrink:0
}
.carousel-arrow:hover{background:rgba(255,255,255,.22)}
.testimonial-track{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;flex:1}
.testimonial{
  background:#fff;color:#222;border-radius:8px;
  min-height:160px;padding:18px 20px;text-align:center;
  position:relative;box-shadow:0 3px 8px rgba(0,0,0,.2)
}
.quote{position:absolute;left:13px;top:6px;color:#d1d5db;font-size:36px;font-family:Georgia,serif;line-height:1}
.stars{color:#f59e0b;font-size:18px;letter-spacing:2px;margin-bottom:9px}
.testimonial p{font-size:13px;line-height:1.55;color:#374151}
.testimonial b{display:block;font-size:13px;margin-top:9px;color:#111827}
.dots{display:flex;justify-content:center;gap:7px;margin-top:16px}
.dot{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.4);cursor:pointer;transition:.2s}
.dot.active{background:var(--gold)}

/* ── CTA ── */
.cta{background:linear-gradient(90deg,#ffc900,#ffbd00);padding:16px 0;color:#0d1730}
.cta-inner{display:flex;align-items:center;justify-content:center;gap:20px}
.cta-icon{
  width:56px;height:56px;border-radius:50%;background:#06204a;
  color:#ffc400;display:flex;align-items:center;justify-content:center;font-size:28px;
  flex-shrink:0
}
.cta h2{font-family:"Barlow Condensed",sans-serif;font-size:30px;line-height:1}
.cta p{font-size:14px;margin-top:3px}
.cta-phone{
  font-family:"Barlow Condensed",sans-serif;font-size:38px;font-weight:800;
  border-left:1px solid rgba(0,0,0,.2);padding-left:24px;margin-left:4px;
  line-height:1.1
}
.cta-phone small{display:block;font:700 11px Inter,Arial;text-align:center;margin-top:2px}

/* ── FAQ ── */
.faq{background:#fff}
.faq-list{max-width:820px;margin:auto;display:grid;gap:10px}
.faq details{border:1px solid #d1d5db;border-radius:6px;padding:14px 18px}
.faq summary{cursor:pointer;font-weight:700;font-size:15px;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:20px;color:#6b7280}
.faq details[open] summary::after{content:"–"}
.faq details p{font-size:13px;color:#4b5563;margin-top:10px;line-height:1.6}

/* ── FOOTER ── */
.site-footer{background:var(--navy);color:#fff;padding:30px 0 14px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr 1.1fr;gap:24px}
.footer-brand img{width:175px;height:65px;object-fit:contain;object-position:left center}
.footer-brand p{font-size:13px;color:#cbd5e1;max-width:215px;line-height:1.65;margin-top:8px}
.socials{display:flex;gap:8px;margin-top:14px}
.socials span{
  width:30px;height:30px;border:1px solid #64748b;border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-size:13px;cursor:pointer;
  transition:.2s
}
.socials span:hover{border-color:var(--gold);color:var(--gold)}
.footer-col h3{font-family:"Barlow Condensed",sans-serif;font-size:17px;margin-bottom:12px;letter-spacing:.3px}
.footer-col{border-left:1px solid rgba(255,255,255,.18);padding-left:20px}
.footer-col a,.footer-col span{display:block;font-size:12px;color:#cbd5e1;margin-bottom:9px;line-height:1.55;transition:.15s}
.footer-col a i{margin-right:5px;width:12px}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.15);
  margin-top:24px;padding-top:13px;
  display:flex;justify-content:space-between;gap:20px;
  font-size:11px;color:#94a3b8
}

/* ── RESPONSIVE: TABLET ── */
@media(max-width:1060px){
  .main-nav{gap:14px;font-size:13px}
  .phone-btn{padding:9px 13px;font-size:13px}
  .hero-grid{grid-template-columns:1fr 1fr}
  .hero-copy{grid-column:1;grid-row:1}
  .hero-offer{grid-column:2;grid-row:1}
  .application-card{grid-column:1/3;grid-row:2}
  .why-grid{grid-template-columns:repeat(3,1fr)}
  .why-item:nth-child(3){border-right:0}
  .why-item:nth-child(4),.why-item:nth-child(5){border-top:1px solid #e2e4e8;border-right:1px solid #e2e4e8}
  .why-item:nth-child(5){border-right:0}
  .footer-grid{grid-template-columns:1fr 1fr 1fr}
  .footer-brand{grid-column:1/4}
  .footer-col:first-of-type{border-left:0;padding-left:0}
}

/* ── RESPONSIVE: MOBILE ── */
@media(max-width:760px){
  .container{width:min(100% - 28px,540px)}
  .site-header{height:70px}
  .brand{width:155px;height:54px}
  .menu-toggle{display:flex;flex-direction:column}
  .main-nav{
    display:none;position:absolute;top:70px;left:0;right:0;
    background:var(--navy);padding:16px 20px 22px;
    flex-direction:column;align-items:stretch;gap:0;
    box-shadow:0 8px 20px rgba(0,0,0,.3);z-index:40
  }
  .main-nav.open{display:flex}
  .main-nav a{padding:13px 6px;border-bottom:1px solid rgba(255,255,255,.1);font-size:15px}
  .phone-btn{text-align:center;margin-top:10px;border:0;justify-content:center}

  .hero{padding-top:20px}
  .hero-grid{grid-template-columns:1fr;gap:20px}
  .hero-copy{grid-column:1;grid-row:auto}
  .hero-heading{font-size:60px}
  .hero-tagline{font-size:21px}
  .hero-offer{
    grid-column:1;grid-row:auto;
    display:grid;grid-template-columns:108px 1fr;gap:10px;align-items:center
  }
  .trust-badge{width:100px;height:100px;margin:0}
  .trust-badge b{font-size:24px}
  .funds-card strong{font-size:54px}
  .stats-row{grid-column:1/3}
  .application-card{grid-column:1;grid-row:auto}

  .loan-grid{grid-template-columns:1fr 1fr}
  .steps{display:grid;grid-template-columns:1fr 1fr;gap:22px 12px}
  .step-line{display:none}
  .step{flex:none;width:auto}
  .why-grid{grid-template-columns:1fr 1fr}
  .why-item{border-right:1px solid #e2e4e8;border-bottom:1px solid #e2e4e8}
  .why-item:nth-child(2n){border-right:0}
  .why-item:last-child{border-bottom:0}

  .testimonial-wrapper{gap:8px}
  .testimonial-track{grid-template-columns:1fr}
  .testimonial:nth-child(n+2){display:none}
  .carousel-arrow{width:30px;height:30px;font-size:12px}

  .cta-inner{flex-wrap:wrap;gap:12px}
  .cta-phone{border-left:0;padding-left:0;width:100%;font-size:30px;margin-left:0}

  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/3}
  .footer-col{border-left:0;padding-left:0}
  .footer-bottom{flex-direction:column;gap:5px}
}

@media(max-width:430px){
  .hero-heading{font-size:50px}
  .funds-card strong{font-size:46px}
  .hero-offer{grid-template-columns:90px 1fr}
  .stats-row{gap:6px}
  .stat{min-height:68px}
  .stat strong{font-size:28px}
  .loan-grid{grid-template-columns:1fr}
  .section-title span{flex:0 0 30px}
  .section-title h2{font-size:25px;white-space:normal;text-align:center}
  .why-grid{grid-template-columns:1fr}
  .why-item{border-right:0}
  .footer-grid{grid-template-columns:1fr}
  .footer-brand{grid-column:auto}
}