@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,600;0,700;1,400;1,600&family=Outfit:wght@300;400;500;600;700&family=DM+Mono:wght@400;500&display=swap');
:root{--navy:#0e1c3a;--navy-mid:#162d5c;--navy-light:#1e3a6e;--amber:#c47b1a;--amber-warm:#d4924d;--amber-pale:#f0dfc4;--cream:#faf6f0;--cream-mid:#f0e8db;--cream-dark:#e4d5c0;--white:#ffffff;--ink:#1a1810;--ink-mid:#4a4535;--ink-light:#8a8270;--sage:#3d6b52;--sage-light:#eaf2ec;--rust:#c04a2a;--font-display:'Cormorant Garamond',Georgia,serif;--font-body:'Outfit',sans-serif;--font-mono:'DM Mono',monospace;--shadow-sm:0 2px 8px rgba(14,28,58,.07);--shadow-md:0 6px 24px rgba(14,28,58,.10);--shadow-lg:0 16px 48px rgba(14,28,58,.14);--shadow-xl:0 32px 80px rgba(14,28,58,.18);--radius-sm:8px;--radius-md:14px;--radius-lg:20px;--radius-xl:28px;--max-w:1200px;--gutter:24px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);background:var(--cream);color:var(--ink);overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

/* SKIP */
.skip-link{position:fixed;top:-60px;left:16px;background:var(--navy);color:white;padding:10px 20px;border-radius:0 0 8px 8px;font-size:13px;font-weight:600;z-index:9999;transition:top .2s}
.skip-link:focus{top:0}

/* TRUST BAR */
.trust-bar{background:var(--navy);color:rgba(255,255,255,.6);font-family:var(--font-mono);font-size:11px;letter-spacing:.04em;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.05)}
.trust-bar-inner{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.trust-pills{display:flex;gap:24px;flex-wrap:wrap}
.trust-pill{display:flex;align-items:center;gap:7px}
.trust-pill-dot{width:5px;height:5px;border-radius:50%;background:var(--amber-warm);flex-shrink:0}
.trust-bar a{color:var(--amber-pale)}.trust-bar a:hover{text-decoration:underline}
.trust-bar-right{color:rgba(255,255,255,.3);font-size:10px}

/* HEADER */
.site-header{background:var(--white);border-bottom:1px solid rgba(14,28,58,.07);position:sticky;top:0;z-index:500;transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 4px 20px rgba(14,28,58,.1)}
.header-inner{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter);display:flex;align-items:center;justify-content:space-between;height:70px;gap:20px}
.site-logo{display:flex;align-items:center;gap:11px}
.logo-mark{width:42px;height:42px;background:var(--navy);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .2s}
.site-logo:hover .logo-mark{transform:scale(1.05)}
.logo-name{font-family:var(--font-display);font-size:19px;font-weight:700;color:var(--navy);display:block;letter-spacing:-.02em}
.logo-nmls{font-family:var(--font-mono);font-size:9.5px;color:var(--ink-light);letter-spacing:.06em;display:block;margin-top:2px}
.main-nav ul{list-style:none;display:flex;align-items:center;gap:2px}
.main-nav a{color:var(--ink-mid);font-size:14px;font-weight:500;padding:7px 13px;border-radius:8px;transition:all .18s;display:block}
.main-nav a:hover,.main-nav a.active{color:var(--navy);background:var(--cream)}
.has-dropdown{position:relative}
.has-dropdown>a::after{content:'▾';margin-left:4px;font-size:11px;opacity:.5}
.dropdown{position:absolute;top:calc(100% + 6px);left:0;background:white;border:1px solid rgba(14,28,58,.08);border-radius:var(--radius-md);padding:8px;min-width:220px;opacity:0;pointer-events:none;transform:translateY(8px);transition:all .2s;box-shadow:var(--shadow-lg)}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;pointer-events:all;transform:translateY(0)}
.dropdown a{display:flex;align-items:center;gap:9px;padding:9px 12px;border-radius:8px;color:var(--ink);font-size:13.5px;font-weight:500}
.dropdown a:hover{background:var(--cream);color:var(--navy)}
.dropdown-icon{width:28px;height:28px;border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0}
.header-actions{display:flex;align-items:center;gap:10px;flex-shrink:0}
.mobile-menu-btn{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none}
.mobile-menu-btn span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s}

/* MOBILE NAV */
.mobile-nav{position:fixed;inset:0;z-index:999;background:var(--navy);display:flex;flex-direction:column;padding:80px 32px 40px;gap:8px;transform:translateX(100%);transition:transform .35s cubic-bezier(.4,0,.2,1);overflow-y:auto}
.mobile-nav.open{transform:translateX(0)}
.mobile-nav a{font-size:22px;font-family:var(--font-display);font-weight:600;color:rgba(255,255,255,.7);padding:12px 0;border-bottom:1px solid rgba(255,255,255,.06);transition:color .2s}
.mobile-nav a:hover{color:var(--amber-pale)}
.mobile-nav-close{position:absolute;top:20px;right:20px;background:rgba(255,255,255,.08);border:none;color:white;width:42px;height:42px;border-radius:50%;cursor:pointer;font-size:20px;display:flex;align-items:center;justify-content:center}
.mobile-nav-actions{margin-top:24px;display:flex;flex-direction:column;gap:10px}
.mobile-nav-actions .btn{justify-content:center}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:7px;padding:10px 20px;border-radius:var(--radius-sm);font-family:var(--font-body);font-size:14px;font-weight:600;cursor:pointer;border:none;transition:all .2s;white-space:nowrap;line-height:1}
.btn-sm{padding:7px 14px;font-size:13px}
.btn-lg{padding:14px 28px;font-size:16px}
.btn-xl{padding:16px 36px;font-size:17px;border-radius:12px}
.btn-primary{background:var(--navy);color:white}
.btn-primary:hover{background:var(--navy-mid);transform:translateY(-1px);box-shadow:0 6px 20px rgba(14,28,58,.25)}
.btn-amber{background:var(--amber);color:white}
.btn-amber:hover{background:#b36f16;transform:translateY(-1px);box-shadow:0 6px 20px rgba(196,123,26,.35)}
.btn-outline{background:transparent;color:var(--navy);border:1.5px solid rgba(14,28,58,.2)}
.btn-outline:hover{border-color:var(--navy);background:var(--cream)}
.btn-ghost{background:rgba(255,255,255,.1);color:white;border:1.5px solid rgba(255,255,255,.2)}
.btn-ghost:hover{background:rgba(255,255,255,.18)}

/* LAYOUT */
.container{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter)}
.section{padding:88px 0}
.section-sm{padding:56px 0}
.section-lg{padding:112px 0}
.section-tag{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--amber);margin-bottom:14px}
.section-tag::before{content:'';display:block;width:22px;height:1.5px;background:var(--amber)}
.section-tag-light{color:var(--amber-pale)}.section-tag-light::before{background:var(--amber-pale)}
h2.section-title{font-family:var(--font-display);font-size:clamp(30px,4.5vw,48px);font-weight:700;line-height:1.1;letter-spacing:-.02em;color:var(--navy);margin-bottom:16px}
h2.section-title em{font-style:italic;color:var(--amber)}
h2.section-title-light{color:white}h2.section-title-light em{color:var(--amber-pale)}
.section-subtitle{font-size:17px;color:var(--ink-mid);line-height:1.7;max-width:580px}
.section-subtitle-light{color:rgba(255,255,255,.65)}
.section-header{margin-bottom:52px}
.section-header-centered{text-align:center}
.section-header-centered .section-tag{justify-content:center}
.section-header-centered .section-subtitle{margin:0 auto}

/* BADGE */
.badge{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;border-radius:6px;font-family:var(--font-mono);font-size:11px;font-weight:500;letter-spacing:.04em}
.badge-navy{background:var(--navy);color:white}
.badge-amber{background:rgba(196,123,26,.12);color:var(--amber);border:1px solid rgba(196,123,26,.25)}
.badge-sage{background:var(--sage-light);color:var(--sage);border:1px solid rgba(61,107,82,.2)}
.badge-cream{background:var(--cream-mid);color:var(--ink-mid)}

/* CARD */
.card{background:white;border:1px solid rgba(14,28,58,.07);border-radius:var(--radius-lg);padding:28px;transition:all .25s}
.card:hover{border-color:rgba(196,123,26,.3);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.card-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:18px}

/* STATES BAR */
.states-bar{background:var(--white);border-top:1px solid rgba(14,28,58,.06);border-bottom:1px solid rgba(14,28,58,.06);padding:16px 0}
.states-bar-inner{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter);display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.states-label{font-size:12px;color:var(--ink-light);font-weight:500;flex-shrink:0;font-family:var(--font-mono);letter-spacing:.05em}
.states-chips{display:flex;gap:8px;flex-wrap:wrap}
.state-chip{background:var(--cream);border:1px solid var(--cream-dark);border-radius:7px;padding:5px 12px;font-size:12px;font-weight:600;color:var(--navy);font-family:var(--font-mono);letter-spacing:.04em}

/* PAGE HERO */
.page-hero{background:var(--navy);padding:72px 0 64px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 80% 50%,rgba(196,123,26,.07) 0%,transparent 70%)}
.page-hero-grid{position:absolute;inset:0;pointer-events:none;background-image:linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);background-size:60px 60px;mask-image:radial-gradient(ellipse 100% 100% at 50% 50%,black 20%,transparent 100%)}
.page-hero-inner{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter);position:relative;z-index:1}
.page-hero-breadcrumb{display:flex;align-items:center;gap:8px;font-family:var(--font-mono);font-size:11px;color:rgba(255,255,255,.35);letter-spacing:.06em;margin-bottom:20px}
.page-hero-breadcrumb a{color:rgba(255,255,255,.45);transition:color .2s}.page-hero-breadcrumb a:hover{color:var(--amber-pale)}
.page-hero-breadcrumb span{color:rgba(255,255,255,.2)}
.page-hero h1{font-family:var(--font-display);font-size:clamp(36px,5vw,60px);font-weight:700;line-height:1.08;letter-spacing:-.025em;color:white;margin-bottom:20px}
.page-hero h1 em{font-style:italic;color:var(--amber-pale)}
.page-hero-sub{font-size:17px;color:rgba(255,255,255,.6);line-height:1.7;max-width:560px;margin-bottom:32px}
.page-hero-badges{display:flex;gap:8px;flex-wrap:wrap}

/* STATS RIBBON */
.stats-ribbon{background:var(--cream-mid);border-bottom:1px solid var(--cream-dark)}
.stats-ribbon-inner{max-width:var(--max-w);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.stat-block{padding:28px 32px;border-right:1px solid var(--cream-dark);text-align:center}
.stat-block:last-child{border-right:none}
.stat-num{font-family:var(--font-display);font-size:40px;font-weight:700;color:var(--navy);line-height:1;display:block}
.stat-label{font-size:13px;color:var(--ink-mid);margin-top:6px;display:block}

/* HIGHLIGHTS BAR */
.highlights-bar{background:white;border-bottom:1px solid rgba(14,28,58,.06)}
.highlight-item{padding:24px 28px;border-right:1px solid rgba(14,28,58,.06)}
.highlight-item:last-child{border-right:none}
.highlight-icon{font-size:22px;margin-bottom:8px}
.highlight-label{font-size:11px;color:var(--ink-light);font-family:var(--font-mono);letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}
.highlight-value{font-size:16px;font-weight:700;color:var(--navy)}

/* PROCESS */
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.process-steps::before{content:'';position:absolute;top:32px;left:12.5%;right:12.5%;height:1.5px;background:linear-gradient(90deg,transparent,var(--amber),var(--amber),transparent);z-index:0}
.process-step{text-align:center;padding:0 20px;position:relative;z-index:1}
.process-num{width:64px;height:64px;border-radius:50%;background:white;border:2px solid var(--cream-dark);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:26px;font-weight:700;color:var(--navy);margin:0 auto 20px;transition:all .25s;box-shadow:var(--shadow-sm)}
.process-step:hover .process-num{background:var(--navy);color:white;border-color:var(--navy)}
.process-step h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:8px}
.process-step p{font-size:13.5px;color:var(--ink-mid);line-height:1.6}

/* REQUIREMENTS */
.req-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.req-card{background:white;border:1px solid var(--cream-dark);border-radius:var(--radius-md);padding:22px}
.req-card-label{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--amber);margin-bottom:8px}
.req-card-value{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:6px}
.req-card-desc{font-size:13px;color:var(--ink-mid);line-height:1.6}

/* PROS */
.pros-list{list-style:none;display:flex;flex-direction:column;gap:12px}
.pros-list li{display:flex;align-items:flex-start;gap:12px;font-size:15px;color:var(--ink);line-height:1.6}
.pros-check{width:24px;height:24px;background:var(--sage-light);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:11px;color:var(--sage);margin-top:2px}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:10px}
.faq-item{border:1px solid var(--cream-dark);border-radius:var(--radius-md);overflow:hidden;transition:border-color .2s}
.faq-item.open{border-color:rgba(196,123,26,.35)}
.faq-btn{width:100%;text-align:left;background:white;border:none;padding:20px 22px;font-size:15px;font-weight:600;color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;font-family:var(--font-body)}
.faq-btn:hover{background:var(--cream)}
.faq-icon{width:24px;height:24px;border-radius:50%;border:1.5px solid var(--cream-dark);display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0;transition:all .2s}
.faq-item.open .faq-icon{background:var(--amber);border-color:var(--amber);color:white;transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s ease;background:white}
.faq-answer-inner{padding:0 22px 20px;font-size:14.5px;color:var(--ink-mid);line-height:1.75}

/* REVIEWS */
.reviews-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review-card-mini{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-lg);padding:24px}
.review-stars{color:#f4c832;font-size:13px;letter-spacing:2px;margin-bottom:12px}
.review-text{font-size:14px;color:rgba(255,255,255,.75);line-height:1.7;margin-bottom:16px;font-style:italic}
.review-text::before{content:'\201C'}.review-text::after{content:'\201D'}
.review-attr{border-top:1px solid rgba(255,255,255,.08);padding-top:12px}
.review-name{font-weight:700;color:white;font-size:13px}
.review-details{font-size:11px;color:rgba(255,255,255,.35);font-family:var(--font-mono);margin-top:2px}

/* RATE CARDS */
.rates-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.rate-card{background:white;border:1px solid var(--cream-dark);border-radius:var(--radius-lg);padding:24px;text-align:center;transition:all .2s;position:relative;overflow:hidden}
.rate-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--amber),var(--amber-warm))}
.rate-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.rate-type{font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--amber);margin-bottom:6px}
.rate-name{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:18px}
.rate-number{font-family:var(--font-display);font-size:44px;font-weight:700;color:var(--navy);line-height:1;display:block}
.rate-apr{font-size:12px;color:var(--ink-light);margin:6px 0 18px;font-family:var(--font-mono)}
.rate-cta{font-size:12px;color:var(--amber);font-weight:600}.rate-cta:hover{text-decoration:underline}
.rate-disclaimer{font-size:11.5px;color:var(--ink-light);text-align:center;line-height:1.6}

/* CALCULATOR */
.calc-section{background:var(--navy)}
.calc-wrap{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:var(--radius-xl);overflow:hidden}
.calc-inner{display:grid;grid-template-columns:1fr 380px}
.calc-form-side{padding:48px;border-right:1px solid rgba(255,255,255,.08)}
.calc-result-side{padding:48px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}
.calc-label{display:block;font-size:12px;font-weight:600;color:rgba(255,255,255,.5);margin-bottom:8px;font-family:var(--font-mono);letter-spacing:.06em;text-transform:uppercase}
.calc-input{width:100%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:14px 16px;font-family:var(--font-body);font-size:16px;color:white;margin-bottom:24px;transition:border-color .2s;outline:none}
.calc-input:focus{border-color:var(--amber-warm)}
.calc-input::placeholder{color:rgba(255,255,255,.2)}
.calc-select{width:100%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:14px 16px;font-family:var(--font-body);font-size:15px;color:white;margin-bottom:24px;cursor:pointer;outline:none;-webkit-appearance:none}
.calc-select option{background:var(--navy)}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.calc-result-num{font-family:var(--font-display);font-size:72px;font-weight:700;color:white;line-height:1}
.calc-result-label{font-size:13px;color:rgba(255,255,255,.4);margin-top:8px;font-family:var(--font-mono);letter-spacing:.06em;text-transform:uppercase}
.calc-result-breakdown{width:100%;margin-top:32px}
.calc-breakdown-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.07);font-size:13.5px}
.calc-breakdown-row:last-child{border-bottom:none}
.calc-breakdown-label{color:rgba(255,255,255,.5)}
.calc-breakdown-val{color:white;font-weight:600}
.calc-disclaimer-mini{font-size:11px;color:rgba(255,255,255,.25);text-align:center;margin-top:20px;line-height:1.5}

/* CTA */
.cta-section{background:var(--navy);position:relative;overflow:hidden;padding:88px 0}
.cta-section::before{content:'';position:absolute;top:-80px;right:-80px;width:400px;height:400px;background:radial-gradient(circle,rgba(196,123,26,.12) 0%,transparent 70%)}
.cta-inner{max-width:780px;margin:0 auto;padding:0 var(--gutter);text-align:center;position:relative;z-index:1}
.cta-inner h2{margin-bottom:20px}
.cta-inner p{font-size:17px;color:rgba(255,255,255,.6);line-height:1.7;margin-bottom:40px;max-width:560px;margin-left:auto;margin-right:auto}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:28px}
.cta-legal{font-family:var(--font-mono);font-size:10.5px;color:rgba(255,255,255,.3);letter-spacing:.04em}
.cta-legal a{color:var(--amber-pale)}

/* VERIFY STRIP */
.verify-strip{background:var(--navy);border-radius:12px;padding:18px 20px;display:flex;align-items:center;gap:14px}
.verify-strip-title{font-size:13.5px;font-weight:700;color:white;margin-bottom:2px}
.verify-strip-sub{font-size:12px;color:rgba(255,255,255,.5)}
.verify-link{color:var(--amber-pale)}.verify-link:hover{text-decoration:underline}

/* CONTACT FORM */
.form-group{margin-bottom:20px}
.form-label{display:block;font-size:12px;font-weight:600;color:var(--ink-mid);font-family:var(--font-mono);letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px}
.form-input{width:100%;background:white;border:1.5px solid var(--cream-dark);border-radius:10px;padding:14px 16px;font-family:var(--font-body);font-size:15px;color:var(--ink);outline:none;transition:border-color .2s}
.form-input:focus{border-color:var(--amber)}
.form-input::placeholder{color:var(--ink-light)}
.form-select{width:100%;background:white;border:1.5px solid var(--cream-dark);border-radius:10px;padding:14px 16px;font-family:var(--font-body);font-size:15px;color:var(--ink);outline:none;cursor:pointer;-webkit-appearance:none}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}

/* FOOTER */
.site-footer{background:var(--navy);color:rgba(255,255,255,.6);padding:72px 0 0;border-top:1px solid rgba(255,255,255,.07)}
.footer-grid{display:grid;grid-template-columns:300px 1fr 1fr 1fr;gap:56px;padding-bottom:56px}
.footer-logo-name{font-family:var(--font-display);font-size:22px;font-weight:700;color:white;letter-spacing:-.02em;margin-bottom:3px}
.footer-nmls{font-family:var(--font-mono);font-size:10px;color:rgba(255,255,255,.3);letter-spacing:.07em;margin-bottom:18px}
.footer-desc{font-size:13.5px;line-height:1.7;margin-bottom:24px}
.footer-contact-list{list-style:none}
.footer-contact-list li{margin-bottom:10px}
.footer-contact-list a{display:flex;align-items:flex-start;gap:9px;color:rgba(255,255,255,.6);font-size:13px;transition:color .2s}
.footer-contact-list a:hover{color:var(--amber-pale)}
.footer-col h4{font-size:12px;font-weight:700;color:white;letter-spacing:.08em;text-transform:uppercase;font-family:var(--font-mono);margin-bottom:18px}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:9px}
.footer-col ul li a{font-size:13.5px;color:rgba(255,255,255,.55);transition:color .2s}
.footer-col ul li a:hover{color:var(--amber-pale)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding:28px 0}
.footer-bottom-inner{max-width:var(--max-w);margin:0 auto;padding:0 var(--gutter)}
.footer-disclaimer{font-size:11px;color:rgba(255,255,255,.28);line-height:1.75;margin-bottom:16px}
.footer-legal-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-legal-links a{font-size:11.5px;color:rgba(255,255,255,.4);font-family:var(--font-mono);transition:color .2s}
.footer-legal-links a:hover{color:var(--amber-pale)}

/* ANIMATIONS */
.animate{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.animate.in-view{opacity:1;transform:translateY(0)}
.animate-delay-1{transition-delay:.1s}
.animate-delay-2{transition-delay:.2s}
.animate-delay-3{transition-delay:.3s}
.animate-delay-4{transition-delay:.4s}

/* LOAN PAGE SIDEBAR */
.content-layout{display:grid;grid-template-columns:1fr 340px;gap:60px;align-items:start}
.content-sidebar{position:sticky;top:90px}
.sidebar-card{background:white;border:1px solid var(--cream-dark);border-radius:var(--radius-lg);padding:28px;margin-bottom:20px}
.sidebar-card-title{font-family:var(--font-display);font-size:20px;font-weight:700;color:var(--navy);margin-bottom:14px}
.rate-display{text-align:center;padding:20px 0;border-bottom:1px solid var(--cream-dark);margin-bottom:20px}
.rate-display-num{font-family:var(--font-display);font-size:56px;font-weight:700;color:var(--navy);line-height:1}
.rate-display-label{font-size:11px;color:var(--ink-light);font-family:var(--font-mono);letter-spacing:.06em;margin-top:4px}
.rate-display-apr{font-size:12px;color:var(--ink-light);margin-top:4px}

/* RESPONSIVE */
@media(max-width:1024px){
  .main-nav,.header-actions{display:none}
  .mobile-menu-btn{display:flex}
  .footer-grid{grid-template-columns:1fr 1fr;gap:40px}
  .stats-ribbon-inner{grid-template-columns:repeat(2,1fr)}
  .stat-block:nth-child(2){border-right:none}
  .rates-grid{grid-template-columns:repeat(2,1fr)}
  .calc-inner{grid-template-columns:1fr}
  .calc-result-side{border-top:1px solid rgba(255,255,255,.08)}
  .process-steps{grid-template-columns:repeat(2,1fr);gap:32px}
  .process-steps::before{display:none}
  .req-grid{grid-template-columns:1fr 1fr}
  .reviews-mini{grid-template-columns:1fr}
  .content-layout{grid-template-columns:1fr}
  .content-sidebar{position:static}
}
@media(max-width:768px){
  .section,.section-lg{padding:64px 0}
  .footer-grid{grid-template-columns:1fr}
  .rates-grid{grid-template-columns:1fr 1fr}
  .req-grid{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .process-steps{grid-template-columns:1fr}
  .trust-pills{display:none}
  .calc-row{grid-template-columns:1fr}
  .page-hero{padding:56px 0 48px}
}
@media(max-width:480px){
  .rates-grid{grid-template-columns:1fr}
}

/* ---- Mobile layout fixes (v3) ---- */
[style*="display:grid"]>*{min-width:0}
@media(max-width:1024px){
  .about-grid,.contact-layout{grid-template-columns:1fr!important;gap:40px!important}
  [style*="grid-template-columns:repeat(4,1fr)"]{grid-template-columns:repeat(2,1fr)!important}
  .highlight-item:nth-child(2n){border-right:none}
  .highlight-item{border-bottom:1px solid rgba(14,28,58,.06)}
}
@media(max-width:768px){
  [style*="grid-template-columns:repeat(3,1fr)"]{grid-template-columns:1fr!important}
  [style*="padding:40px;display:grid;grid-template-columns:1fr 1fr"]{grid-template-columns:1fr!important;padding:28px!important;gap:24px!important}
  [style*="display:flex;justify-content:center"]{flex-wrap:wrap}
  .calc-form-side,.calc-result-side{padding:28px 22px}
  .contact-method{padding:16px 18px!important;gap:14px!important}
  .contact-method *{min-width:0;overflow-wrap:anywhere}
}
@media(max-width:480px){
  .container{padding-left:18px;padding-right:18px}
  .btn-lg{white-space:normal;text-align:center;padding:14px 22px}
  [style*="display:flex;justify-content:center"]>.btn{width:100%}
  .highlight-item{padding:18px 16px}
  [style*="padding:40px;"][style*="border-radius:var(--radius-xl)"]{padding:24px 20px!important}
}
@media(max-width:768px){[style*="position:absolute;bottom:-20px;right:-20px"]{right:8px!important;bottom:-16px!important}}