:root {
      --teal-900: #063d46;
      --teal-800: #0a5563;
      --teal-700: #0d7a8a;
      --teal-600: #1195a8;
      --teal-100: #dff2f5;
      --teal-50: #f0fafb;
      --sand: #f6a94b;
      --sand-dark: #d98a2b;
      --coral: #e8613c;
      --ink: #12333b;
      --muted: #52707a;
      --line: #dbe9ec;
      --white: #ffffff;
      --radius: 14px;
      --shadow-sm: 0 2px 10px rgba(6,61,70,.07);
      --shadow-md: 0 12px 32px rgba(6,61,70,.11);
      font-size: 16px;
    }

    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      margin: 0;
      font-family: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", sans-serif;
      color: var(--ink);
      background: var(--white);
      line-height: 1.6;
    }
    img { max-width: 100%; display: block; }
    a { color: var(--teal-700); }

    h1, h2, h3, h4 { line-height: 1.15; text-wrap: balance; margin: 0 0 .5em; }
    h1 { font-size: clamp(2rem, 4.4vw, 3.3rem); font-weight: 800; letter-spacing: -.02em; }
    h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 750; letter-spacing: -.01em; }
    h3 { font-size: 1.15rem; font-weight: 700; }
    p { margin: 0 0 1em; }
    .kicker {
      text-transform: uppercase; letter-spacing: .12em; font-size: .78rem;
      font-weight: 700; color: var(--teal-700); margin-bottom: .6em;
    }
    .wrap { width: min(1120px, 92vw); margin-inline: auto; }
    section { padding: clamp(56px, 8vw, 96px) 0; }

    /* ---------- Header ---------- */
    header.site {
      position: sticky; top: 0; z-index: 50;
      background: rgba(255,255,255,.92);
      backdrop-filter: blur(10px);
      border-bottom: 1px solid var(--line);
    }
    .nav {
      display: flex; align-items: center; justify-content: space-between;
      gap: 16px; padding: 14px 0;
    }
    .brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.08rem; color: var(--ink); text-decoration: none; }
    .brand svg { flex: none; }
    .brand-logo { height: 44px; width: auto; }
    nav.links { display: flex; flex: 1; justify-content: center; gap: clamp(22px, 3.2vw, 46px); align-items: center; }
    nav.links a { color: var(--muted); text-decoration: none; font-weight: 550; font-size: .95rem; transition: color .15s; }
    nav.links a:hover, nav.links a:focus-visible { color: var(--teal-700); }
    .btn {
      display: inline-flex; align-items: center; justify-content: center; gap: 8px;
      padding: 12px 22px; border-radius: 999px; border: none; cursor: pointer;
      font-weight: 700; font-size: .98rem; text-decoration: none; min-height: 44px;
      transition: transform .12s, box-shadow .15s, background .15s;
    }
    .btn-primary { background: var(--teal-700); color: #fff; box-shadow: var(--shadow-sm); }
    .btn-primary:hover { background: var(--teal-800); transform: translateY(-1px); box-shadow: var(--shadow-md); }
    .btn-accent { background: var(--sand); color: #3c2600; box-shadow: var(--shadow-sm); }
    .btn-accent:hover { background: var(--sand-dark); color: #fff; transform: translateY(-1px); }
    .btn:focus-visible, a:focus-visible { outline: 3px solid var(--teal-600); outline-offset: 2px; }
    .nav-toggle { display: none; }

    @media (max-width: 800px) {
      nav.links {
        display: none;
        position: absolute; top: 100%; left: 0; right: 0;
        background: var(--white); border-bottom: 1px solid var(--line);
        flex-direction: column; align-items: stretch; padding: 18px 5vw 22px; gap: 14px;
        box-shadow: var(--shadow-md);
      }
      nav.links.open { display: flex; }
      .nav-toggle {
        display: inline-flex; align-items: center; justify-content: center;
        width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px;
        background: var(--white); cursor: pointer;
      }
      .nav-cta { display: none; }
    }

    /* ---------- Hero ---------- */
    .hero {
      position: relative; overflow: hidden;
      background:
        linear-gradient(105deg, rgba(6,61,70,.94) 0%, rgba(10,85,99,.9) 46%, rgba(13,122,138,.7) 100%),
        url("assets/img/hero.svg") center/cover no-repeat;
      color: #fff; padding: clamp(72px, 10vw, 130px) 0;
    }
    .hero::after {
      content: ""; position: absolute; inset: 0; pointer-events: none;
      background:
        radial-gradient(120% 120% at 85% 15%, rgba(246,169,75,.18), transparent 55%),
        url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 200'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.10' stroke-width='3'%3E%3Cellipse cx='100' cy='110' rx='46' ry='30'/%3E%3Cpath d='M70 96c10-22 50-22 60 0'/%3E%3Cpath d='M156 92l24-8-20 18'/%3E%3Cpath d='M60 120c-14 6-22 22-18 40'/%3E%3C/g%3E%3C/svg%3E") right -40px bottom -40px / 360px no-repeat;
    }
    .hero .wrap { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(28px, 5vw, 64px); align-items: center; position: relative; z-index: 1; }
    .hero p.lede { font-size: 1.13rem; color: rgba(255,255,255,.88); max-width: 34em; }
    .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
    .trust-note { margin-top: 22px; font-size: .87rem; color: rgba(255,255,255,.75); display: flex; gap: 8px; align-items: center; }
    .trust-note svg { flex: none; }

    .hero-points {
      background: rgba(255,255,255,.09);
      border: 1px solid rgba(255,255,255,.22);
      border-radius: var(--radius); padding: 26px 28px;
      backdrop-filter: blur(6px);
    }
    .hero-points h3 { color: #fff; margin-bottom: 14px; font-size: 1rem; letter-spacing: .02em; text-transform: uppercase; }
    .hero-points ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
    .hero-points li { display: flex; gap: 10px; align-items: baseline; font-size: .97rem; color: rgba(255,255,255,.92); }
    .hero-points li svg { flex: none; translate: 0 2px; }
    @media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; } }

    /* ---------- Stats strip ---------- */
    .stats {
      display: grid; grid-template-columns: repeat(3, 1fr);
      gap: 20px; text-align: left;
      background: var(--white); border-radius: var(--radius);
      padding: 30px 34px; box-shadow: var(--shadow-md);
      margin-top: -40px; position: relative; z-index: 2;
      border: 1px solid var(--line);
    }
    .stats div strong { display: block; font-size: clamp(1.5rem, 3vw, 2rem); color: var(--teal-700); letter-spacing: -.01em; }
    .stats div span { color: var(--muted); font-size: .92rem; }
    @media (max-width: 640px) { .stats { grid-template-columns: 1fr; gap: 14px; } }

    /* ---------- Services / cards ---------- */
    .cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 36px; }
    .card {
      background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
      padding: 28px 26px; box-shadow: var(--shadow-sm);
    }
    .card .ico { width: 46px; height: 46px; border-radius: 12px; background: var(--teal-50); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
    .card h3 { margin-bottom: .3em; }
    .card p { color: var(--muted); font-size: .95rem; margin: 0; }
    @media (max-width: 820px) { .cards-grid { grid-template-columns: 1fr; } }

    /* ---------- Banks strip ---------- */
    .banks { background: var(--teal-900); color: #fff; overflow: hidden; }
    .banks .kicker, .banks h2 { color: #fff; }
    .bank-pill {
      display: inline-flex; align-items: center; gap: 10px;
      background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18);
      border-radius: 999px; padding: 12px 20px; font-weight: 650; font-size: .95rem;
      white-space: nowrap;
    }
    .bank-pill .dot { width: 9px; height: 9px; border-radius: 50%; background: var(--sand); }
    .bank-marquee {
      margin-top: 30px;
      position: relative;
      overflow: hidden;
      -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
      mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
    }
    .bank-track {
      display: flex; gap: 14px; width: max-content;
      animation: bank-scroll 26s linear infinite;
    }
    .bank-marquee:hover .bank-track { animation-play-state: paused; }
    @keyframes bank-scroll {
      from { transform: translateX(0); }
      to { transform: translateX(-50%); }
    }
    @media (prefers-reduced-motion: reduce) {
      .bank-track { animation: none; flex-wrap: wrap; justify-content: center; }
    }

    /* ---------- Calculator ---------- */
    .calc-shell {
      background: var(--white); border-radius: var(--radius);
      box-shadow: var(--shadow-md); border: 1px solid var(--line);
      padding: clamp(24px, 4vw, 44px);
      display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .9fr); gap: clamp(24px, 4vw, 48px);
    }
    @media (max-width: 860px) { .calc-shell { grid-template-columns: 1fr; } }
    .field { margin-bottom: 22px; }
    .field label { display: flex; justify-content: space-between; font-weight: 650; font-size: .95rem; margin-bottom: 8px; }
    .field output { color: var(--teal-700); font-variant-numeric: tabular-nums; }
    input[type="range"] {
      width: 100%; accent-color: var(--teal-700); height: 24px; cursor: pointer;
    }
    .calc-out { background: var(--teal-50); border-radius: 12px; padding: 26px 28px; align-self: start; }
    .calc-out .big { font-size: clamp(1.7rem, 3.4vw, 2.3rem); font-weight: 800; color: var(--teal-800); font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
    .calc-out dl { display: grid; grid-template-columns: auto 1fr; gap: 8px 16px; margin: 18px 0 0; font-size: .93rem; }
    .calc-out dt { color: var(--muted); }
    .calc-out dd { margin: 0; text-align: right; font-weight: 650; font-variant-numeric: tabular-nums; }
    .calc-disclaimer { font-size: .8rem; color: var(--muted); margin-top: 18px; }

    /* ---------- How it works ---------- */
    .steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; margin-top: 36px; }
    .step { position: relative; padding-top: 52px; }
    .step::before {
      counter-increment: step; content: counter(step, decimal-leading-zero);
      position: absolute; top: 0; left: 0;
      font-size: .82rem; font-weight: 800; letter-spacing: .08em;
      color: var(--teal-700); border-bottom: 3px solid var(--sand);
      padding-bottom: 8px;
    }
    .step h3 { margin-bottom: .35em; }
    .step p { color: var(--muted); font-size: .95rem; margin: 0; }
    @media (max-width: 900px) { .steps-grid { grid-template-columns: repeat(2, 1fr); } }
    @media (max-width: 520px) { .steps-grid { grid-template-columns: 1fr; } }

    /* ---------- Originator / team ---------- */
    .split { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: clamp(28px, 5vw, 60px); align-items: center; }
    @media (max-width: 860px) { .split { grid-template-columns: 1fr; } }
    .split img { border-radius: var(--radius); box-shadow: var(--shadow-md); aspect-ratio: 4/3; object-fit: cover; width: 100%; }
    .checklist { list-style: none; margin: 20px 0 0; padding: 0; display: grid; gap: 13px; }
    .checklist li { display: flex; gap: 11px; align-items: baseline; }
    .checklist li svg { flex: none; translate: 0 3px; }
    figure.avatar { margin: 0; }
    figure.avatar img { aspect-ratio: 1/1; max-width: 340px; }
    .originator-name { color: var(--teal-700); }

    /* ---------- CTA / apply ---------- */
    .cta {
      background: linear-gradient(160deg, var(--teal-700), var(--teal-900));
      color: #fff; text-align: center; position: relative; overflow: hidden;
    }
    .cta h2, .cta .kicker { color: #fff; }
    .cta p.lede { color: rgba(255,255,255,.88); max-width: 40em; margin-inline: auto; }
    .apply-shell {
      background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
      box-shadow: var(--shadow-md); overflow: hidden; text-align: left; max-width: 920px; margin: 34px auto 0;
    }
    .apply-head { padding: 26px 30px 20px; border-bottom: 1px solid var(--line); background: var(--teal-50); }
    .apply-head h3 { margin: 0; color: var(--teal-900); }
    .iframe-frame { position: relative; }
    .iframe-skeleton {
      position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
      background: var(--white); transition: opacity .4s; z-index: 1;
    }
    .iframe-skeleton.hidden { opacity: 0; pointer-events: none; }
    iframe#apply-frame { width: 100%; height: min(78vh, 860px); border: 0; display: block; background: var(--white); }
    .apply-fallback { padding: 14px 30px 22px; font-size: .88rem; color: var(--muted); border-top: 1px solid var(--line); }
    .no-iframe .iframe-frame { display: none; }
    .no-iframe .apply-fallback { border-top: 0; font-size: 1rem; padding: 30px; }

    /* ---------- FAQ ---------- */
    .faq-list { max-width: 760px; margin-inline: auto; }
    details { border-bottom: 1px solid var(--line); padding: 18px 0; }
    details summary {
      cursor: pointer; font-weight: 700; font-size: 1.03rem; list-style: none;
      display: flex; justify-content: space-between; align-items: center; gap: 16px;
      min-height: 44px;
    }
    details summary::-webkit-details-marker { display: none; }
    details summary::after { content: "+"; font-size: 1.4rem; color: var(--teal-700); font-weight: 400; transition: rotate .2s; }
    details[open] summary::after { rotate: 45deg; }
    details p { margin: 12px 0 0; color: var(--muted); }

    /* ---------- Footer ---------- */
    footer.site { background: var(--teal-900); color: rgba(255,255,255,.82); padding: 54px 0 36px; }
    footer.site a { color: rgba(255,255,255,.92); text-decoration: none; }
    footer.site a:hover { color: var(--sand); }
    .foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 34px; margin-bottom: 34px; }
    @media (max-width: 720px) { .foot-grid { grid-template-columns: 1fr; } }
    footer.site h4 { color: #fff; font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; margin: 0 0 14px; }
    footer.site ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; font-size: .93rem; }
    .foot-legal { border-top: 1px solid rgba(255,255,255,.15); padding-top: 22px; font-size: .78rem; color: rgba(255,255,255,.55); }

    .sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); }

    @media (prefers-reduced-motion: reduce) {
      html { scroll-behavior: auto; }
      *, *::before, *::after { transition: none !important; animation: none !important; }
    }