/* Layout: deep-plum hero with a quote form beside the headline, ivory content bands, gold used only for actions and key figures. */
:root{
  --plum-950:#150822;
  --plum-900:#1e0c33;
  --plum-700:#3a1860;
  --plum-500:#6b3fa0;
  --gold:#c9a24a;
  --gold-hi:#f0d98f;
  --ivory:#faf7f1;
  --paper:#ffffff;
  --ink:#1e1329;
  --muted:#62566e;
  --line:#e6dfd3;
  --ok:#1f7a4d;
  --err:#b3261e;
  --font-display:'Newsreader',Georgia,'Times New Roman',serif;
  --font-body:'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  background:var(--ivory);color:var(--ink);font-family:var(--font-body);font-size:16px;line-height:1.6;
  padding-block:0 4.5rem;
}
h1,h2,h3{font-family:var(--font-display);font-weight:500;line-height:1.1;margin:0;text-wrap:balance;letter-spacing:-.01em}
p{margin:0}
a{color:inherit}
.wrap{max-width:1180px;margin-inline:auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.band{padding-block:4.5rem}
.eyebrow{font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--plum-500)}
.dark .eyebrow{color:var(--gold-hi)}
.sec-head{max-width:46rem;display:grid;gap:.75rem;margin-bottom:2.5rem}
.sec-head h2{font-size:clamp(1.9rem,4vw,2.8rem)}
.sec-head p{color:var(--muted);max-width:60ch}
.dark{background:var(--plum-900);color:#efe8f7}
.dark .sec-head p{color:#c9bcd9}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 .95rem/1 var(--font-body);padding:.95rem 1.4rem;border-radius:6px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,transform .15s,border-color .15s}
.btn:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,button:focus-visible{outline:3px solid var(--gold-hi);outline-offset:2px}
.btn-gold{background:var(--gold);color:var(--plum-950)}
.btn-gold:hover{background:var(--gold-hi)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:var(--gold-hi);color:var(--gold-hi)}
.btn-plum{background:var(--plum-900);color:#fff}
.btn-plum:hover{background:var(--plum-700)}
.btn-block{width:100%}

/* top bar + nav */
.topbar{background:var(--plum-950);color:#cdbfe0;font-size:.82rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:.25rem 1.5rem;justify-content:space-between;padding-block:.5rem}
.topbar a{text-decoration:none}
.topbar a:hover{color:var(--gold-hi)}
header.nav{background:var(--plum-900);position:sticky;top:env(safe-area-inset-top,0px);z-index:20;border-bottom:1px solid rgba(255,255,255,.08)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:30;background:var(--plum-900)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-block:.9rem}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff}
.mark{width:38px;height:38px;border:2px solid var(--gold);display:grid;place-items:center;font-family:var(--font-display);font-size:1.35rem;color:var(--gold);flex:none}
.logo-name{font-family:var(--font-display);font-size:1.25rem;letter-spacing:.06em;text-transform:uppercase;line-height:1.1}
.logo-name small{display:block;font-family:var(--font-body);font-size:.62rem;letter-spacing:.22em;color:var(--gold-hi)}
.menu{display:flex;align-items:center;gap:1.6rem}
.menu a{color:#e3d9f0;text-decoration:none;font-size:.92rem;font-weight:500}
.menu a:hover{color:var(--gold-hi)}
.menu .btn{padding:.7rem 1.1rem;color:var(--plum-950)}
.menu .btn:hover{color:var(--plum-950)}
.burger{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:6px;padding:.55rem .8rem;font:600 .85rem var(--font-body);cursor:pointer}
@media (max-width:900px){
  .burger{display:block}
  .menu{display:none;position:absolute;left:0;right:0;top:100%;background:var(--plum-900);flex-direction:column;align-items:stretch;gap:0;padding:.5rem max(16px,env(safe-area-inset-left,0px)) 1.2rem;border-bottom:1px solid rgba(255,255,255,.1)}
  .menu.open{display:flex}
  .menu a{padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .menu .btn{margin-top:.8rem;text-align:center}
}

/* hero */
.hero{background:radial-gradient(900px 420px at 85% -10%,rgba(107,63,160,.55),transparent 70%),var(--plum-900);color:#fff;padding-block:4rem 4.5rem}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:start}
.hero h1{font-size:clamp(2.4rem,5.4vw,4rem);margin:.9rem 0 1.2rem}
.hero h1 em{font-style:normal;color:var(--gold-hi)}
.hero .lead{font-size:1.1rem;color:#d7c9e8;max-width:52ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}
.ticks{display:grid;gap:.6rem;margin:2rem 0 0;padding:0;list-style:none;color:#e6dbf3;font-size:.95rem}
.ticks li{display:flex;gap:.65rem;align-items:flex-start}
.ticks li::before{content:"";flex:none;width:.5rem;height:.5rem;margin-top:.55rem;background:var(--gold)}
@media (max-width:960px){.hero .wrap{grid-template-columns:minmax(0,1fr)}}

/* forms */
.card-form{background:var(--paper);color:var(--ink);border-radius:10px;padding:1.6rem;box-shadow:0 24px 60px rgba(10,2,20,.45);min-width:0}
.card-form h2{font-size:1.6rem;margin-bottom:.35rem}
.card-form .sub{color:var(--muted);font-size:.9rem;margin-bottom:1.2rem}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem}
.grid2 .full{grid-column:1/-1}
@media (max-width:520px){.grid2{grid-template-columns:minmax(0,1fr)}}
label{display:block;font-size:.8rem;font-weight:600;margin-bottom:.35rem;color:var(--ink)}
input,select,textarea{width:100%;font:500 .95rem var(--font-body);color:var(--ink);background:#fff;border:1px solid #cfc6bb;border-radius:6px;padding:.75rem .8rem;min-height:2.9rem}
textarea{min-height:6rem;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--plum-500)}
.field-err{border-color:var(--err)!important}
.msg{margin-top:.9rem;font-size:.9rem;padding:.8rem .9rem;border-radius:6px;display:none}
.msg.show{display:block}
.msg.ok{background:#e8f4ec;color:#154d31}
.msg.bad{background:#fbe9e7;color:#7a1b15}
.fine{font-size:.74rem;color:var(--muted);margin-top:.9rem;line-height:1.5}

/* trust strip */
.strip{background:var(--plum-950);color:#fff;border-top:1px solid rgba(255,255,255,.08)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.5rem;padding-block:2.2rem}
.stat b{display:block;font-family:var(--font-display);font-size:2rem;font-weight:500;color:var(--gold-hi);font-variant-numeric:tabular-nums}
.stat span{font-size:.85rem;color:#cdbfe0}
@media (max-width:760px){.strip .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* programs */
.programs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem}
@media (max-width:960px){.programs{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.programs{grid-template-columns:minmax(0,1fr)}}
.prog{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:1.5rem;display:flex;flex-direction:column;gap:.8rem;min-width:0}
.prog h3{font-size:1.45rem}
.prog p{color:var(--muted);font-size:.95rem}
.prog dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:.3rem 1rem;font-size:.85rem;border-top:1px solid var(--line);padding-top:.8rem;margin-top:auto}
.prog dt{color:var(--muted)}
.prog dd{margin:0;font-weight:600;text-align:right;font-variant-numeric:tabular-nums}
.prog a.more{font-weight:700;font-size:.9rem;color:var(--plum-700);text-decoration:none}
.prog a.more:hover{text-decoration:underline}
.prog.feature{background:var(--plum-900);color:#fff;border-color:var(--plum-900)}
.prog.feature p,.prog.feature dt{color:#cdbfe0}
.prog.feature dl{border-color:rgba(255,255,255,.18)}
.prog.feature a.more{color:var(--gold-hi)}
.tag{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--plum-500)}
.feature .tag{color:var(--gold-hi)}

/* process */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem;counter-reset:s}
@media (max-width:820px){.steps{grid-template-columns:minmax(0,1fr)}}
.step{border-top:2px solid var(--gold);padding-top:1.1rem;counter-increment:s}
.step::before{content:"Step " counter(s);font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-hi)}
.step h3{font-size:1.5rem;margin:.4rem 0 .5rem}
.step p{color:#c9bcd9;font-size:.95rem}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:minmax(0,1fr)}}
.calc-in,.calc-out{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:1.6rem;min-width:0}
.calc-in{display:grid;gap:1.1rem}
.calc-out{background:var(--plum-900);color:#fff;border-color:var(--plum-900)}
.big{font-family:var(--font-display);font-size:clamp(2.4rem,6vw,3.4rem);color:var(--gold-hi);font-variant-numeric:tabular-nums;line-height:1}
.rows{display:grid;gap:.6rem;margin:1.2rem 0;font-size:.92rem}
.rows div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:.55rem}
.rows b{font-variant-numeric:tabular-nums}
.calc-out .fine{color:#b9aacb}

/* why */
.why{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.2rem 3rem}
@media (max-width:760px){.why{grid-template-columns:minmax(0,1fr)}}
.why div{border-left:3px solid var(--gold);padding-left:1rem}
.why h3{font-size:1.3rem;margin-bottom:.3rem}
.why p{color:var(--muted);font-size:.95rem}

/* faq */
.faq{display:grid;gap:.7rem;max-width:52rem}
details{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:0 1.2rem}
summary{cursor:pointer;font-weight:700;padding:1.05rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.3rem;line-height:1;color:var(--plum-500)}
details[open] summary::after{content:"\2212"}
details p{color:var(--muted);padding-bottom:1.1rem;font-size:.95rem}

/* submit deal */
.deal-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:3rem;align-items:start}
@media (max-width:960px){.deal-wrap{grid-template-columns:minmax(0,1fr)}}
.deal-copy h2{font-size:clamp(1.9rem,4vw,2.8rem);margin:.7rem 0 1rem}
.deal-copy p{color:#c9bcd9}
.contact-list{display:grid;gap:.4rem;margin-top:1.6rem;font-size:.95rem;color:#e6dbf3}
.contact-list b{color:var(--gold-hi)}

/* footer */
footer{background:var(--plum-950);color:#bfb1d1;padding-block:3rem 2rem;font-size:.85rem}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
@media (max-width:760px){footer .cols{grid-template-columns:minmax(0,1fr)}}
footer h4{margin:0 0 .7rem;color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase}
footer a{display:block;text-decoration:none;padding:.15rem 0}
footer a:hover{color:var(--gold-hi)}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:1.4rem;font-size:.75rem;line-height:1.7;color:#9c8db0}

/* sticky mobile bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:25;background:var(--plum-950);border-top:1px solid rgba(255,255,255,.15);padding:.6rem max(16px,env(safe-area-inset-right,0px)) calc(.6rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));gap:.6rem}
.mbar .btn{flex:1;padding:.85rem .5rem}
@media (max-width:760px){.mbar{display:flex}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

body{margin:0;--font-body:Arial,Helvetica,sans-serif;--font-display:Georgia,serif}header.nav{background:#1e0c33!important;color:#fff!important}header.nav .wrap{display:flex;align-items:center;flex-wrap:wrap;gap:1rem;padding-block:1rem}.logo{display:inline-block;background:transparent!important}.logo-img{width:245px;max-width:100%;height:auto;display:block}header .logo{flex:0 0 245px}.site-nav{display:flex;align-items:center;flex-wrap:wrap;gap:1.1rem}.site-nav>a:not(.btn),.site-nav summary{color:#fff!important;font:600 .88rem Arial,sans-serif;text-decoration:none}.site-nav details.nav-dropdown{position:relative;background:transparent!important;border:0!important;margin:0!important;padding:0!important}.site-nav details.nav-dropdown>summary{list-style:none;background:transparent!important;padding:.7rem 0!important;cursor:pointer}.site-nav summary::-webkit-details-marker{display:none}.site-nav details.nav-dropdown>summary::after{content:' ▾';position:static;color:#f0d98f}.site-nav .dropdown-panel{position:absolute;top:100%;left:0;min-width:250px;background:#1e0c33!important;border:1px solid #c9a24a;padding:.5rem;z-index:100}.site-nav .dropdown-panel a{display:block;color:#fff!important;text-decoration:none;padding:.7rem;font-size:.88rem}.site-nav .dropdown-panel a:hover,.site-nav .dropdown-panel a:focus{background:#3a1860}.site-nav .btn{color:#150822!important;padding:.8rem 1rem}footer{background:#150822!important}.steps{grid-template-columns:repeat(4,minmax(0,1fr))}.hero .network-title{display:block;white-space:nowrap;text-transform:none;letter-spacing:.025em;font-size:clamp(.66rem,1.25vw,.95rem);font-weight:700}.hero h1 em{color:var(--gold-hi);font-style:normal}.strip .wrap{grid-template-columns:repeat(4,minmax(0,1fr));gap:1.3rem}.strip .stat{min-width:0}.strip .stat b{white-space:nowrap;font-size:clamp(1rem,2.15vw,1.65rem);line-height:1.25;margin-bottom:.4rem}.strip .stat span{display:block}.topbar .wrap>span:first-child{white-space:nowrap}.loan-layout{display:grid;grid-template-columns:1fr 1fr;gap:2rem}.loan-copy p,.text-page p{margin-block:1rem}.loan-copy h2,.text-page h2{font-size:1.65rem;margin-top:1.6rem}.text-page{max-width:850px}.breadcrumb{margin-bottom:1rem;font-size:.85rem}.result-row{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid #e6dfd3;padding:.65rem 0}.result-row strong{white-space:nowrap}[hidden]{display:none!important}.skip{position:absolute;top:-100px}.skip:focus{top:0;background:white;color:black;padding:1rem;z-index:999}button:disabled{opacity:.65;cursor:wait}.msg{overflow-wrap:anywhere}@media(max-width:1100px){header.nav .wrap{justify-content:center}.site-nav{width:100%;justify-content:center}}@media(max-width:760px){.strip .wrap{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.5rem}.strip .stat b{font-size:clamp(.9rem,3.4vw,1.6rem)}}@media(max-width:650px){.site-nav{gap:.3rem .9rem}.site-nav>a:not(.btn),.site-nav summary{font-size:.8rem}.site-nav .dropdown-panel{position:fixed;left:16px;right:16px;top:auto;min-width:0;max-height:60vh;overflow:auto}.steps,.loan-layout{grid-template-columns:1fr}.hero .network-title{font-size:clamp(.6rem,2.6vw,.9rem)}.topbar .wrap>span:first-child{font-size:clamp(.6rem,2.65vw,.82rem)}}@media(max-width:340px){.strip .wrap{grid-template-columns:1fr}.strip .stat b{font-size:1.3rem}}