:root {
  --color-primary: #0d1c2f;
  --color-secondary: #2563eb;
  --color-secondary-dark: #1748b5;
  --color-muted: #f4f5ff;
  --color-surface: #f8f9ff;
  --color-surface-strong: #e6eeff;
  --color-border: #d5dfff;
  --color-text: #0d1c2f;
  --color-text-soft: #45464d;
  --color-footer: #131b2e;
  --container: 1200px;
  --section: 80px;
  --gutter: 24px;
  --radius: 8px;
  --shadow: 0 18px 45px rgba(13, 28, 47, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Rubik", Arial, sans-serif;
  color: var(--color-text);
  background: #fff;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

p {
  color: var(--color-text-soft);
  line-height: 1.65;
}

.material-symbols-outlined {
  display: inline-block;
  vertical-align: middle;
  font-variation-settings: "FILL" 0, "wght" 400, "GRAD" 0, "opsz" 24;
}

.container {
  width: min(100% - 32px, var(--container));
  margin-inline: auto;
}

.narrow {
  width: min(100% - 32px, 900px);
}

.section {
  padding-block: var(--section);
}

.muted {
  background: var(--color-muted);
}

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(16px, 4vw, 48px);
  background: rgba(248, 249, 255, 0.96);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 2px 12px rgba(13, 28, 47, 0.06);
  backdrop-filter: blur(10px);
}

.site-header.is-scrolled {
  box-shadow: 0 8px 24px rgba(13, 28, 47, 0.12);
}

.logo img,
.footer-brand img {
  width: auto;
  height: 40px;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 28px;
  font-size: 14px;
  font-weight: 500;
}

.primary-nav a:first-child {
  color: var(--color-secondary);
  font-weight: 700;
  border-bottom: 2px solid var(--color-secondary);
  padding-bottom: 4px;
}

.primary-nav a:hover,
.phone-link:hover,
.text-link:hover {
  color: var(--color-secondary);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.phone-link {
  font-size: 14px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 12px 22px;
  border: 1px solid transparent;
  border-radius: 4px;
  font-size: 14px;
  font-weight: 600;
  line-height: 1;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  color: #fff;
  background: var(--color-secondary);
  box-shadow: 0 10px 24px rgba(37, 99, 235, 0.22);
}

.button-primary:hover {
  background: var(--color-secondary-dark);
}

.button-secondary {
  color: var(--color-secondary);
  background: #fff;
  border-color: var(--color-secondary);
}

.button-dark {
  color: #fff;
  background: var(--color-primary);
}

.button-large {
  min-height: 52px;
  padding-inline: 30px;
}

.button-full {
  width: 100%;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 8px;
}

.centered {
  justify-content: center;
}

.site-main {
  padding-top: 76px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 1fr);
  align-items: center;
  gap: 48px;
}

.hero-copy {
  display: grid;
  gap: 18px;
}

.hero h1,
.page-hero h1,
.post-header h1 {
  margin: 0;
  font-size: clamp(40px, 7vw, 64px);
  line-height: 1.08;
  letter-spacing: 0;
}

.hero h2 {
  margin: 0;
  color: var(--color-secondary);
  font-size: 24px;
  line-height: 1.3;
  font-weight: 500;
}

.hero p {
  max-width: 560px;
  margin: 0;
  font-size: 18px;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 24px;
  padding-block: 22px;
  border-block: 1px solid var(--color-border);
}

.trust-strip div {
  display: flex;
  align-items: center;
  gap: 8px;
}

.trust-strip .material-symbols-outlined {
  color: var(--color-secondary);
  font-size: 20px;
}

.trust-strip span:last-child {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
}

.hero-media {
  position: relative;
  min-height: 420px;
}

.hero-media > img {
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.funding-card {
  position: absolute;
  left: -24px;
  bottom: -24px;
  max-width: 310px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.funding-card p {
  margin: 0 0 8px;
  color: var(--color-secondary);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
}

.funding-card strong {
  display: block;
  margin-bottom: 4px;
  font-size: 20px;
}

.funding-card span {
  color: var(--color-text-soft);
  font-size: 14px;
  line-height: 1.5;
}

.section-heading {
  max-width: 720px;
  margin: 0 auto 48px;
  text-align: center;
}

.section-heading h2,
.section-intro h2,
.contact-band h2 {
  margin: 0 0 14px;
  font-size: 32px;
  line-height: 1.25;
}

.section-heading p,
.section-intro p {
  margin: 0;
  font-size: 18px;
}

.heading-rule {
  display: block;
  width: 96px;
  height: 4px;
  margin: 22px auto 0;
  background: var(--color-secondary);
}

.card-grid {
  display: grid;
  gap: var(--gutter);
}

.card-grid.four {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.feature-card,
.mini-card,
.workflow-card,
.post-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
}

.feature-card {
  padding: 32px;
  box-shadow: 0 8px 24px rgba(13, 28, 47, 0.06);
}

.feature-card:hover {
  border-color: var(--color-secondary);
  box-shadow: 0 14px 30px rgba(13, 28, 47, 0.1);
}

.feature-card .material-symbols-outlined,
.mini-card .material-symbols-outlined {
  color: var(--color-secondary);
  font-size: 40px;
}

.feature-card h3,
.mini-card h3,
.advantage h3 {
  margin: 16px 0 8px;
  font-size: 20px;
}

.feature-card p,
.mini-card p,
.advantage p {
  margin: 0 0 16px;
  font-size: 14px;
}

.feature-card a,
.text-link {
  color: var(--color-secondary);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.range-callout {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin-top: 48px;
  padding: 28px;
  background: rgba(37, 99, 235, 0.06);
  border-left: 4px solid var(--color-secondary);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.range-callout h3 {
  margin: 0 0 6px;
  font-size: 20px;
}

.range-callout p {
  margin: 0;
  font-size: 14px;
  font-style: italic;
}

.broker-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.6fr;
  gap: 40px;
  align-items: center;
}

.section-intro {
  display: grid;
  justify-items: start;
  gap: 20px;
}

.mini-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.mini-card {
  padding: 30px;
  background: var(--color-surface-strong);
}

.stats-band {
  position: relative;
  overflow: hidden;
  color: #fff;
  background: var(--color-footer);
  text-align: center;
}

.stats-band::before {
  content: "";
  position: absolute;
  inset: -160px auto auto 68%;
  width: 360px;
  height: 360px;
  background: rgba(37, 99, 235, 0.22);
  border-radius: 50%;
  filter: blur(90px);
}

.stats-band h2,
.stats-band h3,
.stats-band p {
  position: relative;
  color: inherit;
}

.big-stat {
  margin: 0 0 8px;
  color: #dbe1ff;
  font-size: clamp(44px, 8vw, 72px);
  font-weight: 700;
  line-height: 1;
}

.stats-copy {
  max-width: 780px;
  margin: 0 auto 52px;
  color: #c7cee2;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 32px;
  padding-top: 48px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}

.stats-grid .material-symbols-outlined {
  color: #dbe1ff;
  font-size: 40px;
}

.stats-grid h3 {
  margin: 14px 0 8px;
  font-size: 14px;
  text-transform: uppercase;
}

.stats-grid p {
  margin: 0;
  color: #c7cee2;
  font-size: 14px;
}

.advantage-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 32px 24px;
}

.advantage {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.advantage > .material-symbols-outlined {
  flex: 0 0 auto;
  padding: 12px;
  color: var(--color-secondary);
  background: rgba(37, 99, 235, 0.1);
  border-radius: var(--radius);
}

.advantage h3 {
  margin-top: 0;
  font-size: 16px;
}

.workflow-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 32px;
}

.workflow-card {
  padding: 32px;
}

.workflow-card h3 {
  margin: 0 0 26px;
  padding-bottom: 18px;
  color: var(--color-secondary);
  border-bottom: 1px solid var(--color-border);
  font-size: 20px;
}

.workflow-card ol {
  display: grid;
  gap: 22px;
  margin: 0;
  padding: 0;
  counter-reset: steps;
  list-style: none;
}

.workflow-card li {
  position: relative;
  min-height: 32px;
  padding-left: 48px;
  line-height: 1.6;
  counter-increment: steps;
}

.workflow-card li::before {
  content: counter(steps);
  position: absolute;
  left: 0;
  top: 0;
  display: grid;
  place-items: center;
  width: 32px;
  height: 32px;
  color: #fff;
  background: var(--color-secondary);
  border-radius: 50%;
  font-weight: 700;
}

.borrower-steps {
  display: grid;
  gap: 22px;
  margin-bottom: 28px;
}

.borrower-steps div {
  display: flex;
  align-items: center;
  gap: 20px;
}

.borrower-steps span {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  color: var(--color-secondary);
  background: var(--color-surface-strong);
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 20px;
}

.borrower-steps h4 {
  margin: 0;
  font-size: 20px;
}

.form-panel {
  padding: clamp(24px, 5vw, 48px);
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.partner-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.partner-form label {
  display: grid;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
}

.partner-form input,
.partner-form textarea {
  width: 100%;
  min-height: 46px;
  padding: 12px;
  border: 1px solid var(--color-border);
  border-radius: 4px;
  font: inherit;
}

.partner-form input:focus,
.partner-form textarea:focus {
  border-color: var(--color-secondary);
  outline: 2px solid rgba(37, 99, 235, 0.15);
}

.partner-form .full {
  grid-column: 1 / -1;
}

.partner-form .consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: var(--color-text-soft);
  font-weight: 400;
  line-height: 1.45;
}

.partner-form .consent input {
  width: 18px;
  min-height: 18px;
  margin-top: 2px;
}

.contact-band {
  background: var(--color-surface-strong);
  text-align: center;
}

.contact-grid {
  display: flex;
  justify-content: center;
  gap: clamp(32px, 8vw, 96px);
  margin: 28px 0 40px;
}

.contact-grid div {
  display: grid;
  gap: 8px;
  justify-items: center;
}

.contact-grid .material-symbols-outlined {
  color: var(--color-secondary);
  font-size: 40px;
}

.contact-grid a {
  font-size: 22px;
  font-weight: 500;
}

.contact-grid p {
  margin: 0;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
}

.site-footer {
  padding-block: 70px 40px;
  color: #c7cee2;
  background: var(--color-footer);
}

.footer-grid {
  display: flex;
  justify-content: space-between;
  gap: 48px;
}

.footer-brand {
  max-width: 340px;
}

.footer-brand img {
  margin-bottom: 24px;
  filter: brightness(0) invert(1);
}

.footer-brand p,
.legal-copy p {
  color: #c7cee2;
  font-size: 14px;
}

.footer-links {
  display: grid;
  grid-template-columns: repeat(3, minmax(130px, 1fr));
  gap: 48px;
}

.footer-links div {
  display: grid;
  align-content: start;
  gap: 14px;
}

.footer-links p {
  margin: 0;
  color: #dbe1ff;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
}

.footer-links a {
  color: #c7cee2;
  font-size: 14px;
}

.footer-links a:hover {
  color: #fff;
}

.legal-copy {
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

.page-hero,
.post-header {
  padding-block: 90px 70px;
  background: var(--color-muted);
}

.page-hero p,
.post-header p {
  max-width: 720px;
  margin: 14px 0 0;
  font-size: 18px;
}

.eyebrow,
.post-date {
  color: var(--color-secondary);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.post-list {
  display: grid;
  gap: 22px;
}

.post-card {
  padding: 28px;
}

.post-card h2 {
  margin: 6px 0 10px;
  font-size: 26px;
}

.post-card p {
  margin: 0 0 16px;
}

.post-layout .prose {
  padding-block: 56px 80px;
}

.prose h2 {
  margin-top: 36px;
  font-size: 28px;
}

.prose p,
.prose li {
  color: var(--color-text-soft);
  font-size: 18px;
  line-height: 1.75;
}

.prose ul {
  padding-left: 22px;
}

@media (max-width: 1100px) {
  .primary-nav {
    display: none;
  }

  .hero-grid,
  .broker-grid {
    grid-template-columns: 1fr;
  }

  .card-grid.four,
  .advantage-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  :root {
    --section: 56px;
  }

  .site-header {
    padding: 12px 16px;
  }

  .phone-link {
    display: none;
  }

  .site-main {
    padding-top: 69px;
  }

  .hero-grid,
  .workflow-grid,
  .partner-form,
  .stats-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero h1,
  .page-hero h1,
  .post-header h1 {
    font-size: 40px;
  }

  .hero-media {
    min-height: 320px;
  }

  .hero-media > img {
    min-height: 320px;
  }

  .funding-card {
    position: static;
    margin-top: 16px;
  }

  .trust-strip,
  .card-grid.four,
  .mini-grid,
  .advantage-grid,
  .footer-links {
    grid-template-columns: 1fr;
  }

  .range-callout {
    align-items: flex-start;
    flex-direction: column;
  }

  .contact-grid {
    flex-direction: column;
  }

  .footer-grid {
    display: grid;
  }
}