:root {
  --ink: #0a2b45;
  --ink-2: #113b5b;
  --ink-3: #1f526f;
  --blue: #5f8fad;
  --sky: #cbdde8;
  --mist: #eef4f7;
  --sun: #edc483;
  --cream: #fbf8f0;
  --paper: #fffdf9;
  --white: #ffffff;
  --text: #1d2b34;
  --muted: #65747d;
  --line: #dce5e9;
  --soft-line: rgba(10,43,69,.10);
  --shadow-sm: 0 10px 30px rgba(7,36,57,.08);
  --shadow: 0 22px 70px rgba(7,36,57,.14);
  --radius: 18px;
  --radius-lg: 30px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }

.container { width: min(1180px, calc(100% - 48px)); margin: 0 auto; }
.skip-link { position: absolute; left: -9999px; top: 8px; background: white; padding: 10px 14px; z-index: 999; }
.skip-link:focus { left: 12px; }

/* HEADER */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,253,249,.94);
  border-bottom: 1px solid rgba(10,43,69,.08);
  backdrop-filter: blur(18px);
  box-shadow: 0 5px 22px rgba(8,45,75,.03);
}
.nav-wrap {
  min-height: 112px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 34px;
}
.brand {
  width: 232px;
  flex: 0 0 232px;
  display: block;
  text-decoration: none;
}
.brand img { width: 100%; height: auto; }
.site-nav { display: flex; align-items: center; gap: 30px; font-size: 14px; font-weight: 700; }
.site-nav a { text-decoration: none; position: relative; }
.site-nav a:not(.nav-portal)::after {
  content: "";
  position: absolute;
  left: 0;
  right: 100%;
  bottom: -7px;
  height: 2px;
  background: var(--sun);
  transition: right .2s ease;
}
.site-nav a:not(.nav-portal):hover::after { right: 0; }
.site-nav a:hover { color: var(--ink-3); }
.nav-portal {
  padding: 11px 18px;
  border: 1px solid rgba(10,43,69,.22);
  border-radius: 999px;
  background: rgba(255,255,255,.55);
}
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 28px; height: 2px; background: var(--ink); margin: 5px 0; }

/* HERO */
.hero {
  position: relative;
  overflow: hidden;
  min-height: 730px;
  display: flex;
  align-items: center;
  background:
    radial-gradient(circle at 88% 15%, rgba(237,196,131,.48) 0 92px, transparent 94px),
    linear-gradient(180deg, #fbfdfe 0%, #f8f5ee 100%);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(145deg, transparent 0 59%, rgba(95,143,173,.07) 59% 60%, transparent 60% 100%),
    linear-gradient(155deg, transparent 0 67%, rgba(10,43,69,.05) 67% 68%, transparent 68% 100%);
}
.hero::after {
  content: "";
  position: absolute;
  width: 760px;
  height: 330px;
  right: -120px;
  bottom: -145px;
  border-radius: 50% 50% 0 0;
  background: linear-gradient(155deg, rgba(95,143,173,.18), rgba(10,43,69,.025));
  transform: rotate(-7deg);
}
.hero-road {
  position: absolute;
  width: 430px;
  height: 620px;
  right: 9%;
  bottom: -425px;
  border: 76px solid rgba(10,43,69,.05);
  border-top-color: transparent;
  border-left-color: transparent;
  border-radius: 50%;
  transform: rotate(-29deg);
}
.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.03fr .97fr;
  gap: 64px;
  align-items: center;
  padding: 88px 0 100px;
}
.hero-copy { max-width: 660px; }
.status-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 9px 14px;
  border: 1px solid #cedbe2;
  border-radius: 999px;
  background: rgba(255,255,255,.78);
  color: #4a5d69;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  box-shadow: 0 8px 28px rgba(8,45,75,.04);
}
.status-pill span { width: 8px; height: 8px; background: var(--sun); border-radius: 50%; box-shadow: 0 0 0 5px rgba(237,196,131,.23); }
.eyebrow { margin: 24px 0 9px; color: var(--ink-3); font-size: 11px; font-weight: 850; letter-spacing: .24em; }
.eyebrow.light { color: #c2d6e2; }
.eyebrow.center { text-align: center; }
h1, h2 { font-family: Georgia, "Times New Roman", serif; color: var(--ink); line-height: 1.02; font-weight: 500; }
h1 { margin: 10px 0 25px; font-size: clamp(62px, 7.2vw, 101px); letter-spacing: -.047em; }
h1 em { color: var(--ink-3); font-weight: 400; }
h2 { margin: 8px 0 22px; font-size: clamp(39px, 4vw, 59px); letter-spacing: -.03em; }
h3 { color: var(--ink); font-size: 21px; margin: 10px 0 10px; }
.hero-lede { max-width: 680px; font-size: 18px; color: #52616b; line-height: 1.75; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 33px 0 20px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 24px;
  border-radius: 9px;
  text-decoration: none;
  font-weight: 800;
  font-size: 13px;
  letter-spacing: .02em;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
  border: 1px solid transparent;
}
.button:hover { transform: translateY(-2px); }
.button.primary { background: var(--ink); color: white; box-shadow: 0 14px 30px rgba(10,43,69,.18); }
.button.primary:hover { box-shadow: 0 18px 36px rgba(10,43,69,.22); }
.button.secondary { border-color: #b7c7d0; color: var(--ink); background: rgba(255,255,255,.72); }
.button.cream { background: var(--cream); color: var(--ink); margin-top: 30px; }
.button.disabled { background: #e8ecee; color: #7a858c; cursor: default; }
.button.disabled:hover { transform: none; }
.prelicense-note { max-width: 610px; color: #78858c; font-size: 12px; }

.hero-card {
  position: relative;
  background: rgba(255,255,255,.95);
  border: 1px solid rgba(10,43,69,.10);
  border-radius: 34px;
  padding: 34px 26px 30px;
  box-shadow: var(--shadow);
  transform: rotate(.4deg);
  overflow: hidden;
}
.hero-card::before {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  right: -60px;
  top: -65px;
  border-radius: 50%;
  background: rgba(237,196,131,.13);
}
.hero-card::after {
  content: "";
  position: absolute;
  left: -60px;
  bottom: -75px;
  width: 260px;
  height: 150px;
  border-radius: 50%;
  background: rgba(95,143,173,.08);
}
.hero-card img {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 560px;
  margin: 0 auto;
  border-radius: 20px;
}

/* TRUST STRIP */
.trust-strip { background: linear-gradient(115deg, #082d4b, #0c3c5f); color: white; }
.trust-grid { min-height: 120px; display: grid; grid-template-columns: repeat(4,1fr); align-items: center; }
.trust-grid div { padding: 17px 32px; border-right: 1px solid rgba(255,255,255,.14); }
.trust-grid div:last-child { border-right: 0; }
.trust-grid strong { font-family: Georgia, serif; display: block; font-size: 27px; font-weight: 500; }
.trust-grid span { color: #bfd0da; font-size: 13px; }

/* CONTENT SECTIONS */
.section { padding: 112px 0; }
.section-tint {
  background:
    linear-gradient(180deg, rgba(255,255,255,.72), rgba(255,255,255,.72)),
    linear-gradient(135deg, #eef4f7, #f7f3ea);
}
.split { display: grid; grid-template-columns: .95fr 1.05fr; gap: 88px; align-items: start; }
.body-copy { font-size: 17px; color: #53636d; line-height: 1.9; }
.body-copy p:first-child { margin-top: 28px; }
.narrow { max-width: 720px; margin-left: auto; margin-right: auto; }
.center { text-align: center; }
.card-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; margin-top: 55px; }
.info-card {
  min-height: 300px;
  padding: 35px;
  background: rgba(255,255,255,.94);
  border: 1px solid #dce5e9;
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.info-card:hover { transform: translateY(-4px); box-shadow: 0 20px 46px rgba(7,36,57,.10); }
.info-card p { color: #61717b; }
.card-num { color: var(--sun); font-family: Georgia, serif; font-size: 32px; }

/* LO SECTION */
.lo-section { background: linear-gradient(145deg, #06233a, #0b3857); color: white; position: relative; overflow: hidden; }
.lo-section::before {
  content:"";
  position:absolute;
  inset:auto -150px -260px auto;
  width:680px;
  height:680px;
  border-radius:50%;
  border:85px solid rgba(203,221,232,.055);
}
.lo-grid { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: 55px; align-items: center; }
.lo-panel h2, .contact h2 { color: white; }
.lo-panel > p:not(.eyebrow) { color: #c5d4dc; max-width: 690px; font-size: 17px; }
.check-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 13px 20px; margin-top: 29px; }
.check-grid span { position: relative; padding-left: 25px; color: #e5edf1; font-size: 14px; }
.check-grid span::before { content: "✓"; position: absolute; left: 0; color: var(--sun); font-weight: 800; }
.quote-card {
  background: rgba(255,255,255,.075);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 22px;
  padding: 36px;
  backdrop-filter: blur(12px);
  box-shadow: inset 0 1px rgba(255,255,255,.03);
}
.shield-mini { width: 96px; height: 96px; overflow: hidden; margin-bottom: 26px; }
.shield-mini img { width: 100%; }
.big-quote { margin: 0; font-family: Georgia, serif; font-size: 29px; line-height: 1.38; color: #fff; }
.quote-note { color: #a4b8c4; font-size: 13px; }

/* BORROWERS */
.borrower-split { align-items: center; }
.steps { border-left: 1px solid var(--line); padding-left: 42px; }
.steps div { display: flex; gap: 19px; padding: 18px 0; border-bottom: 1px solid #e4eaed; }
.steps div:last-child { border-bottom: 0; }
.steps b { width: 38px; height: 38px; flex: 0 0 38px; display: grid; place-items: center; border-radius: 50%; background: #edf4f7; color: var(--ink-3); }
.steps span { display: grid; }
.steps strong { color: var(--ink); }
.steps small { color: #71818a; font-size: 13px; }

/* PORTAL */
.portal-section { background: #f7f3e9; }
.portal-card {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 62px;
  align-items: center;
  border-top: 1px solid #e4dcc8;
  border-bottom: 1px solid #e4dcc8;
  padding-top: 48px;
  padding-bottom: 48px;
}
.portal-card > div:first-child > p:last-child { color: #67737b; font-size: 16px; }
.portal-box {
  background: var(--white);
  border-radius: 20px;
  border: 1px solid #e5dfd0;
  padding: 34px;
  box-shadow: 0 16px 42px rgba(70,60,40,.08);
}
.portal-box span { color: var(--ink-3); font-size: 11px; font-weight: 850; letter-spacing: .2em; }
.portal-box strong { display: block; font-family: Georgia, serif; font-size: 31px; color: var(--ink); margin: 6px 0; }
.portal-box p { color: #778087; font-size: 13px; }

/* CONTACT + FOOTER */
.contact { padding: 96px 0; background: linear-gradient(145deg, #082d4b, #0c3c5f); color: white; }
.contact-grid { display: grid; grid-template-columns: 1fr .8fr; gap: 52px; align-items: center; }
.contact-grid > div:first-child > p:last-child { color: #c3d3dc; }
.contact-card { background: rgba(255,255,255,.085); border: 1px solid rgba(255,255,255,.14); padding: 32px; border-radius: 16px; }
.contact-card span { display: block; color: #b9cad4; font-size: 12px; text-transform: uppercase; letter-spacing: .15em; }
.contact-card a { display: block; margin: 8px 0 4px; color: white; font-family: Georgia, serif; font-size: clamp(23px, 3vw, 38px); text-decoration: none; }
.contact-card small { color: #bdced7; }

.site-footer { background: #061c2d; color: #9fb0bb; padding: 54px 0 30px; }
.footer-grid { display: grid; grid-template-columns: .45fr 1.55fr; gap: 62px; }
.footer-brand strong { display: block; color: white; letter-spacing: .08em; }
.footer-brand span { color: var(--sun); font-family: Georgia, serif; }
.footer-legal { font-size: 11px; line-height: 1.72; }
.copyright { border-top: 1px solid rgba(255,255,255,.09); padding-top: 22px; margin-top: 30px; font-size: 11px; }

@media (max-width: 980px) {
  .menu-toggle { display: block; }
  .nav-wrap { min-height: 98px; }
  .brand { width: 210px; flex-basis: 210px; }
  .site-nav {
    display: none;
    position: absolute;
    top: 98px;
    left: 0;
    right: 0;
    background: rgba(255,253,249,.98);
    padding: 25px;
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: flex-start;
    box-shadow: 0 18px 35px rgba(7,36,57,.08);
  }
  .site-nav.open { display: flex; }
  .hero { min-height: auto; }
  .hero-grid, .split, .lo-grid, .portal-card, .contact-grid { grid-template-columns: 1fr; gap: 46px; }
  .hero-grid { padding: 68px 0 74px; }
  .hero-card { max-width: 680px; margin: 0 auto; }
  .trust-grid { grid-template-columns: repeat(2,1fr); }
  .trust-grid div:nth-child(2) { border-right: 0; }
  .card-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 28px, 1180px); }
  .nav-wrap { min-height: 88px; }
  .brand { width: 180px; flex-basis: 180px; }
  .site-nav { top: 88px; }
  .hero-grid { padding: 50px 0 60px; gap: 34px; }
  h1 { font-size: 58px; }
  .hero-lede { font-size: 17px; }
  .hero-actions .button { width: 100%; }
  .hero-card { padding: 22px 15px; border-radius: 24px; }
  .section { padding: 76px 0; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid div { padding: 16px 12px; }
  .trust-grid strong { font-size: 23px; }
  .check-grid { grid-template-columns: 1fr; }
  .steps { padding-left: 0; border-left: 0; }
  .contact-card a { font-size: 21px; word-break: break-word; }
}