:root{
    --ink:#111826;
    --ink-2:#1B2436;
    --orange:#FF6A3D;
    --orange-dark:#E14E22;
    --bg:#FFFFFF;
    --panel:#F4F5F7;
    --muted:#5B6470;
    --line:#E7E9ED;
}

*{margin:0;padding:0;box-sizing:border-box;}

section[id]{scroll-margin-top:80px;}

body{
    font-family:'Archivo',system-ui,sans-serif;
    background:var(--bg);
    color:var(--ink);
    line-height:1.6;
}

h1,h2,h3{
    font-family:'Barlow Condensed','Archivo',sans-serif;
    letter-spacing:.01em;
    color:var(--ink);
    line-height:1.05;
}
h1{text-transform:uppercase;}

.wrap{width:min(1180px,92%);margin:0 auto;}
a{color:inherit;}

/* Header */
.site-header{
    background:var(--ink);
    position:sticky;
    top:0;
    z-index:50;
}
.header-inner{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:16px 0;
}
.brand{
    display:flex;
    align-items:center;
    gap:8px;
    text-decoration:none;
    font-family:'Barlow Condensed',sans-serif;
    font-weight:800;
    font-size:22px;
    text-transform:uppercase;
    color:#fff;
}
.brand span{color:var(--orange);}
.main-nav{display:flex;align-items:center;gap:26px;}
.main-nav a{
    text-decoration:none;
    font-weight:600;
    font-size:14px;
    color:#C7CDD6;
}
.nav-cta{
    background:var(--orange);
    color:var(--ink) !important;
    padding:10px 18px;
    border-radius:6px;
    font-weight:700;
}

/* Hero */
.hero{
    background:var(--ink);
    color:#fff;
    padding:70px 0 90px;
}
.hero-grid{
    display:grid;
    grid-template-columns:1.1fr .9fr;
    gap:50px;
    align-items:start;
}
.tag{
    display:inline-block;
    font-size:12.5px;
    font-weight:700;
    letter-spacing:.04em;
    text-transform:uppercase;
    color:var(--orange);
    border:1px solid rgba(255,106,61,.5);
    padding:6px 14px;
    border-radius:50px;
    margin-bottom:22px;
}
.hero h1{
    font-size:58px;
    color:#fff;
    margin-bottom:20px;
}
.lede{
    font-family:'Archivo',sans-serif;
    text-transform:none;
    font-size:17px;
    color:#B7BFCA;
    max-width:48ch;
    margin-bottom:26px;
}
.chip-row{
    list-style:none;
    display:flex;
    flex-wrap:wrap;
    gap:10px;
}
.chip-row li{
    font-size:12.5px;
    font-weight:700;
    background:var(--ink-2);
    border:1px solid #2B3650;
    color:#DDE2E9;
    padding:8px 14px;
    border-radius:6px;
}

.hero-banner{display:none;}
.hero-form-panel{
    background:#fff;
    border-radius:14px;
    overflow:hidden;
    box-shadow:0 25px 60px rgba(0,0,0,.35);
}
.panel-tab{
    background:var(--orange);
    color:var(--ink);
    font-family:'Barlow Condensed',sans-serif;
    font-weight:800;
    text-transform:uppercase;
    font-size:14px;
    padding:12px 20px;
}
.loan-form-box{padding:4px;}
.form-disclaimer{
    font-size:11.5px;
    line-height:1.6;
    color:var(--muted);
    text-align:center;
    padding:0 20px 18px;
}
.form-disclaimer a{color:var(--orange-dark);}

/* Stat bar */
.stat-bar{
    background:var(--ink-2);
    padding:30px 0;
    border-top:1px solid #2B3650;
    border-bottom:1px solid #2B3650;
}
.stat-bar-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
    text-align:center;
}
.stat-bar-grid strong{
    display:block;
    font-family:'Barlow Condensed',sans-serif;
    font-size:24px;
    font-weight:800;
    color:var(--orange);
    text-transform:uppercase;
}
.stat-bar-grid span{
    font-size:12.5px;
    color:#B7BFCA;
    font-weight:600;
}
.stat-bar-grid sup{font-size:.7em;}

/* Steps timeline */
.steps-section{padding:90px 0 70px;}
.steps-section h2{
    font-size:34px;
    text-align:center;
    margin-bottom:50px;
}
.timeline{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:0;
    position:relative;
}
.timeline::before{
    content:"";
    position:absolute;
    top:19px;
    left:6%;
    right:6%;
    height:2px;
    background:var(--line);
}
.tl-item{
    padding:0 16px;
    position:relative;
}
.tl-dot{
    width:38px;
    height:38px;
    border-radius:50%;
    background:var(--orange);
    color:var(--ink);
    font-family:'Barlow Condensed',sans-serif;
    font-weight:800;
    font-size:17px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:16px;
    position:relative;
    z-index:1;
}
.tl-item h3{
    font-size:19px;
    text-transform:none;
    font-weight:700;
    margin-bottom:8px;
}
.tl-item p{
    font-size:14px;
    color:var(--muted);
}

/* Why */
.why{background:var(--panel);padding:80px 0;}
.why h2{
    font-size:32px;
    text-align:center;
    margin-bottom:44px;
}
.why-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
}
.why-card{
    background:#fff;
    border:1px solid var(--line);
    border-radius:12px;
    padding:26px 22px;
}
.why-icon{font-size:26px;margin-bottom:12px;}
.why-card h3{
    font-size:17px;
    text-transform:none;
    font-weight:700;
    margin-bottom:8px;
}
.why-card p{font-size:13.5px;color:var(--muted);}

/* FAQ */
.faq{padding:90px 0;}
.faq h2{font-size:32px;text-align:center;margin-bottom:44px;}
.faq-list{max-width:800px;margin:0 auto;}
.faq-group-label{
    font-family:'Archivo',sans-serif;
    font-size:12.5px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:.04em;
    color:var(--orange-dark);
    margin:28px 0 4px;
}
.faq-group-label:first-child{margin-top:0;}
.faq details{
    border-bottom:1px solid var(--line);
    padding:0;
}
.faq summary{
    cursor:pointer;
    list-style:none;
    padding:20px 0;
    font-weight:700;
    font-size:16px;
    position:relative;
    padding-right:28px;
}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{
    content:"+";
    position:absolute;
    right:0;
    top:50%;
    transform:translateY(-50%);
    font-size:20px;
    color:var(--orange-dark);
    font-weight:800;
}
.faq details[open] summary::after{content:"\2212";}
.faq details p{
    padding-bottom:20px;
    color:var(--muted);
    font-size:14.5px;
}

/* CTA */
.cta{background:var(--ink);padding:60px 0;}
.cta-inner{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:24px;
    flex-wrap:wrap;
}
.cta h2{color:#fff;font-size:32px;}
.cta p{
    font-family:'Archivo',sans-serif;
    text-transform:none;
    color:#B7BFCA;
    font-size:15px;
}
.btn-dark{
    background:var(--orange);
    color:var(--ink);
    text-decoration:none;
    font-weight:800;
    padding:16px 32px;
    border-radius:6px;
    font-size:15px;
    white-space:nowrap;
}

/* Footer */
.site-footer{
    background:var(--ink);
    color:#8A93A3;
}
.footer-top{
    display:flex;
    justify-content:space-between;
    gap:40px;
    flex-wrap:wrap;
    padding:40px 0 28px;
    border-bottom:1px solid #2B3650;
}
.footer-brand-name{
    display:block;
    font-family:'Barlow Condensed',sans-serif;
    font-weight:800;
    text-transform:uppercase;
    font-size:19px;
    color:#fff;
    margin-bottom:6px;
}
.footer-brand p{font-size:13px;color:#6B7688;}
.footer-links{display:flex;gap:60px;}
.footer-col{display:flex;flex-direction:column;}
.footer-col h4{
    font-family:'Barlow Condensed',sans-serif;
    font-size:12px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:.04em;
    color:#5F6A7B;
    margin-bottom:14px;
}
.footer-col a{
    display:block;
    font-size:13.5px;
    color:#B7BFCA;
    text-decoration:none;
    margin-bottom:10px;
}
.footer-col a:hover{color:#fff;}
.footer-bottom{padding:28px 0 36px;}
.legal{
    font-size:12px;
    line-height:1.8;
    max-width:960px;
    margin-bottom:14px;
}
.footnotes{font-size:11px;color:#9CA7B8;margin-bottom:14px;}
.copyright{font-size:11.5px;color:#9CA7B8;}

/* Focus states */
a:focus-visible,
button:focus-visible,
summary:focus-visible{
    outline:2px solid var(--orange);
    outline-offset:3px;
    border-radius:4px;
}

@media (max-width:900px){
    .hero-grid,.why-grid{grid-template-columns:1fr;}
    .hero-banner{
        display:block;
        order:1;
        text-align:center;
        font-size:12.5px;
        font-weight:700;
        color:var(--orange);
        border:1px solid rgba(255,106,61,.5);
        padding:8px 16px;
        border-radius:50px;
        margin-bottom:4px;
    }
    .hero-form-panel{order:2;}
    .hero-copy{order:3;}
    .timeline{grid-template-columns:repeat(2,1fr);gap:24px;}
    .timeline::before{display:none;}
    .stat-bar-grid{grid-template-columns:repeat(2,1fr);}
    .main-nav a:not(.nav-cta){display:none;}
    .hero h1{font-size:42px;}
    .footer-top{flex-direction:column;gap:28px;}
    .footer-links{gap:40px;}
}

/* Legal pages */
.legal-page{padding:50px 0 90px;}
.legal-page .wrap{max-width:780px;}
.legal-back{
    display:inline-block;
    font-size:13.5px;
    font-weight:700;
    color:var(--orange-dark);
    text-decoration:none;
    margin-bottom:28px;
}
.legal-page h1{
    font-family:'Barlow Condensed',sans-serif;
    text-transform:uppercase;
    font-size:36px;
    margin-bottom:8px;
}
.legal-updated{font-size:13px;color:var(--muted);margin-bottom:36px;}
.legal-page section{margin-bottom:30px;}
.legal-page h2{
    font-family:'Barlow Condensed',sans-serif;
    text-transform:none;
    font-size:19px;
    margin-bottom:10px;
}
.legal-page p, .legal-page li{font-size:14.5px;color:var(--muted);margin-bottom:12px;}
.legal-page ul, .legal-page ol{padding-left:22px;margin-bottom:12px;}
.legal-page a{color:var(--orange-dark);}
.legal-page table{width:100%;border-collapse:collapse;margin:16px 0;font-size:13.5px;}
.legal-page th,.legal-page td{border:1px solid var(--line);padding:10px 12px;text-align:left;color:var(--muted);}
.legal-page th{background:var(--panel);color:var(--ink);}
.unsub-form{display:flex;gap:10px;max-width:420px;margin:18px 0 8px;}
.unsub-form input{
    flex:1;
    padding:12px 14px;
    border:1px solid var(--line);
    border-radius:6px;
    font-size:14px;
    font-family:inherit;
}
.unsub-form button{
    background:var(--orange);
    color:var(--ink);
    border:none;
    padding:12px 22px;
    border-radius:6px;
    font-weight:800;
    font-size:14px;
    cursor:pointer;
}
.container {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

main {
  flex: 1;
}