:root{
    --brand:#2155a0;--brand-dark:#16284a;--brand-soft:#eef3fb;--brand-tint:#f5f8fd;
    --ink:#16284a;--body:#4b5a72;--muted:#8493a8;--line:#dbe5f2;--line-soft:#e9eff8;
    --card:#fff;--gold:#c2913c;--ok:#1f8a5b;
    --shadow:0 1px 2px rgba(22,40,74,.04),0 12px 32px -12px rgba(22,40,74,.16);
    --radius:16px;
  }
  *{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
  body{margin:0;font-family:"Inter",system-ui,-apple-system,sans-serif;color:var(--body);background:#fff;line-height:1.55;-webkit-font-smoothing:antialiased}
  a{color:inherit}
  h1,h2,h3{font-family:"Plus Jakarta Sans",sans-serif;color:var(--ink);letter-spacing:-.02em;margin:0}
  .wrap{max-width:1120px;margin:0 auto;padding:0 22px}

  /* ---------- Header / nav ---------- */
  .nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line-soft)}
  .nav .row{display:flex;align-items:center;gap:18px;height:74px}
  .brand{display:flex;align-items:center;flex:0 0 auto}
  .brand img{height:40px;width:auto;display:block}
  .menu{display:flex;align-items:center;gap:4px;margin-left:auto}
  .menu a{font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:.92rem;color:var(--body);text-decoration:none;padding:9px 13px;border-radius:9px;transition:color .15s,background .15s;white-space:nowrap}
  .menu a:hover{color:var(--brand);background:var(--brand-tint)}
  .menu .btn{background:var(--brand);color:#fff;padding:10px 18px;border-radius:10px}
  .menu .btn:hover{background:#1b4789;color:#fff}
  .dd{position:relative}
  .dd>a::after{content:"▾";font-size:.7em;margin-left:5px;color:var(--muted)}
  .dd .panel{position:absolute;top:calc(100% + 6px);left:0;background:#fff;border:1px solid var(--line-soft);border-radius:14px;box-shadow:var(--shadow);padding:8px;display:grid;grid-template-columns:1fr 1fr;gap:2px;min-width:430px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.16s}
  .dd:hover .panel,.dd:focus-within .panel{opacity:1;visibility:visible;transform:none}
  .dd .panel a{font-weight:500;font-size:.88rem;padding:9px 12px}
  .hamburger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:9px;padding:8px 10px;cursor:pointer;color:var(--ink)}
  .hamburger svg{width:20px;height:20px;display:block}

  @media(max-width:900px){
    .hamburger{display:block}
    .menu{position:fixed;inset:74px 0 auto 0;flex-direction:column;align-items:stretch;gap:2px;background:#fff;border-bottom:1px solid var(--line);padding:12px 16px 18px;box-shadow:var(--shadow);transform:translateY(-12px);opacity:0;visibility:hidden;transition:.18s;max-height:calc(100vh - 74px);overflow:auto}
    .menu.open{transform:none;opacity:1;visibility:visible}
    .menu a{padding:12px 10px;border-radius:8px}
    .menu .btn{text-align:center;margin-top:6px}
    .dd .panel{position:static;display:none;grid-template-columns:1fr;min-width:0;box-shadow:none;border:0;border-left:2px solid var(--line-soft);border-radius:0;margin:2px 0 6px 10px;padding:2px 0}
    .dd.show .panel{display:block;opacity:1;visibility:visible;transform:none}
    .dd>a::after{float:right}
  }

  /* ---------- Hero ---------- */
  .hero{position:relative;overflow:hidden;background:
      radial-gradient(900px 420px at 88% -8%, #e3ecfb 0%, transparent 62%),
      linear-gradient(180deg,#f7faff 0%, #fff 78%)}
  .hero .wrap{padding-top:72px;padding-bottom:64px}
  .eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--brand);background:var(--brand-tint);border:1px solid var(--line-soft);padding:6px 13px;border-radius:999px}
  .hero h1{font-size:clamp(2.2rem,5vw,3.5rem);font-weight:800;line-height:1.04;margin:20px 0 0;max-width:16ch}
  .hero h1 .key{color:var(--brand)}
  .hero p.lead{font-size:1.12rem;color:var(--body);max-width:52ch;margin:18px 0 0}
  .cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
  .btn-lg{display:inline-flex;align-items:center;gap:9px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1rem;text-decoration:none;padding:14px 24px;border-radius:12px;transition:transform .15s,background .15s,box-shadow .15s}
  .btn-primary{background:var(--brand);color:#fff;box-shadow:0 10px 24px -12px rgba(33,85,160,.7)}
  .btn-primary:hover{background:#1b4789;transform:translateY(-1px)}
  .btn-ghost{background:#fff;color:var(--brand);border:1px solid var(--line)}
  .btn-ghost:hover{border-color:var(--brand);transform:translateY(-1px)}
  .btn-lg svg{width:17px;height:17px}
  .savings{display:flex;align-items:center;gap:18px;margin-top:32px;background:#fff;border:1px solid var(--line-soft);border-left:4px solid var(--brand);border-radius:14px;box-shadow:var(--shadow);padding:18px 22px;max-width:570px}
  .savings .fig{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:2.1rem;color:var(--brand);line-height:1;font-variant-numeric:tabular-nums;flex:0 0 auto}
  .savings .txt{font-size:.9rem;color:var(--body)}
  .savings .txt .src{display:block;font-size:.72rem;color:var(--muted);margin-top:6px}

  /* ---------- Sections ---------- */
  section.block{padding:64px 0}
  .section-head{max-width:60ch}
  .section-head .kicker{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--brand)}
  .section-head h2{font-size:clamp(1.6rem,3.4vw,2.2rem);font-weight:800;margin:8px 0 0}
  .section-head p{font-size:1.04rem;margin:12px 0 0;color:var(--body)}

  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
  @media(max-width:820px){.cards{grid-template-columns:1fr}}
  .card{background:var(--card);border:1px solid var(--line-soft);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
  .card .ic{width:42px;height:42px;border-radius:11px;background:var(--brand-tint);display:flex;align-items:center;justify-content:center;color:var(--brand);margin-bottom:14px}
  .card .ic svg{width:21px;height:21px}
  .card h3{font-size:1.08rem;font-weight:700;margin-bottom:7px}
  .card p{font-size:.92rem;margin:0;color:var(--body)}

  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
  @media(max-width:820px){.steps{grid-template-columns:1fr 1fr}}
  @media(max-width:520px){.steps{grid-template-columns:1fr}}
  .step{position:relative;padding-top:8px}
  .step .n{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.05rem;color:#fff;background:var(--brand);width:34px;height:34px;border-radius:10px;display:flex;align-items:center;justify-content:center}
  .step h3{font-size:1rem;font-weight:700;margin:14px 0 5px}
  .step p{font-size:.9rem;margin:0;color:var(--body)}

  .tint{background:radial-gradient(900px 400px at 12% 0%, #eaf1fc 0%, transparent 60%), var(--brand-soft)}

  .loanlist{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:30px}
  @media(max-width:820px){.loanlist{grid-template-columns:1fr 1fr}}
  @media(max-width:480px){.loanlist{grid-template-columns:1fr}}
  .loanlist a{background:#fff;border:1px solid var(--line-soft);border-radius:11px;padding:13px 15px;text-decoration:none;font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:.9rem;color:var(--ink);transition:.15s;display:flex;justify-content:space-between;align-items:center;gap:6px}
  .loanlist a:hover{border-color:var(--brand);color:var(--brand);transform:translateY(-1px);box-shadow:var(--shadow)}
  .loanlist a span{color:var(--muted);transition:.15s}
  .loanlist a:hover span{color:var(--brand)}

  /* ---------- CTA band ---------- */
  .ctaband{background:linear-gradient(120deg,var(--brand-dark),#21478c);color:#fff;border-radius:22px;padding:48px;text-align:center;position:relative;overflow:hidden}
  .ctaband h2{color:#fff;font-size:clamp(1.6rem,3.4vw,2.2rem);font-weight:800}
  .ctaband p{color:#cdd9ef;max-width:48ch;margin:12px auto 0}
  .ctaband .cta-row{justify-content:center}
  .ctaband .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.3)}
  .ctaband .btn-ghost:hover{background:rgba(255,255,255,.16)}

  /* ---------- Footer ---------- */
  footer{background:#0f1d39;color:#aab8d4;padding:48px 0 30px;font-size:.85rem;margin-top:8px}
  footer .ftop{display:flex;flex-wrap:wrap;gap:30px;justify-content:space-between;align-items:flex-start;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:26px}
  footer .fnav{display:flex;flex-wrap:wrap;gap:8px 22px}
  footer .fnav a{color:#cdd9ef;text-decoration:none;font-weight:500}
  footer .fnav a:hover{color:#fff}
  footer .contact b{color:#fff;display:block;font-family:"Plus Jakarta Sans",sans-serif}
  footer .contact a{color:#cdd9ef;text-decoration:none}
  footer .disc{margin-top:22px;line-height:1.7;color:#8294b6;font-size:.78rem}
  footer .disc .lic{color:#cdd9ef}
  footer .eho{display:inline-flex;align-items:center;gap:8px;color:#cdd9ef;font-weight:600;margin-top:14px}
  footer .eho svg{width:22px;height:22px}

  :focus-visible{outline:2px solid var(--brand);outline-offset:2px}
  @media (prefers-reduced-motion:reduce){*{scroll-behavior:auto;transition:none!important}}

  /* ---- page hero ---- */
  .pagehero{background:radial-gradient(900px 420px at 88% -8%, #e3ecfb 0%, transparent 62%),linear-gradient(180deg,#f7faff 0%,#fff 82%);padding:54px 0 44px;border-bottom:1px solid var(--line-soft)}
  .pagehero .kicker{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--brand)}
  .pagehero h1{font-size:clamp(2rem,4.4vw,2.9rem);font-weight:800;margin:8px 0 0;max-width:18ch}
  .pagehero p{font-size:1.08rem;color:var(--body);max-width:62ch;margin:16px 0 0}
  .crumb{font-size:.8rem;color:var(--muted);margin-bottom:12px}
  .crumb a{color:var(--brand);text-decoration:none}
  .crumb a:hover{text-decoration:underline}
  /* ---- hub grid ---- */
  .hubgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
  @media(max-width:820px){.hubgrid{grid-template-columns:1fr 1fr}}
  @media(max-width:520px){.hubgrid{grid-template-columns:1fr}}
  .hubcard{background:#fff;border:1px solid var(--line-soft);border-radius:14px;box-shadow:var(--shadow);padding:22px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:transform .15s,border-color .15s}
  .hubcard:hover{transform:translateY(-2px);border-color:var(--brand)}
  .hubcard h3{font-size:1.05rem;font-weight:700}
  .hubcard p{font-size:.88rem;color:var(--body);margin:0;flex:1}
  .hubcard .go{font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:.82rem;color:var(--brand);margin-top:4px}
  /* ---- loan detail layout ---- */
  .loanlayout{display:grid;grid-template-columns:1fr 340px;gap:36px;align-items:start}
  @media(max-width:860px){.loanlayout{grid-template-columns:1fr}}
  .loanmain h2{font-size:1.3rem;font-weight:700;margin:28px 0 8px}
  .loanmain h2:first-child{margin-top:0}
  .loanmain p{font-size:1rem;color:var(--body);margin:0}
  .checks{list-style:disc;padding-left:1.3em;margin:10px 0 0;display:grid;gap:9px}
  .checks li{font-size:1rem;color:var(--body)}
  .checks li::marker{color:var(--brand)}
  .loanside{position:sticky;top:94px}
  @media(max-width:860px){.loanside{position:static}}
  .sidecard{background:#fff;border:1px solid var(--line-soft);border-radius:16px;box-shadow:var(--shadow);padding:24px;border-top:4px solid var(--brand)}
  .sidecard h3{font-size:1.1rem;font-weight:700;margin-bottom:6px}
  .sidecard p{font-size:.9rem;color:var(--body);margin:0 0 16px}
  .sidecard .btn-lg{width:100%;justify-content:center;margin-bottom:10px;font-size:.95rem}
  .sidecontact{display:block;text-align:center;font-size:.85rem;color:var(--brand);text-decoration:none;font-weight:600;margin-top:4px}
  .sidecontact:hover{text-decoration:underline}