:root {
  --navy-950: #0b2639;
  --navy-900: #0f3049;
  --navy-800: #173b57;
  --navy-700: #24516e;
  --teal-700: #086f6b;
  --teal-600: #0a817c;
  --teal-500: #14938d;
  --amber: #f2a65a;
  --ink: #102b3d;
  --muted: #536775;
  --paper: #ffffff;
  --wash: #f2f7f8;
  --line: #d9e4e8;
  --soft-teal: #e4f1f0;
  --shadow: 0 22px 60px rgba(5, 27, 42, .2);
  color: var(--ink);
  background: var(--wash);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-synthesis: none;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-width: 280px; line-height: 1.6; }
img { display: block; max-width: 100%; height: auto; }
a { color: var(--teal-700); text-underline-offset: 4px; }
button, a, summary { -webkit-tap-highlight-color: transparent; }
a:focus-visible, summary:focus-visible { outline: 3px solid var(--amber); outline-offset: 4px; border-radius: 4px; }

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 100;
  padding: 10px 14px;
  color: var(--navy-950);
  background: var(--paper);
  border-radius: 8px;
  transform: translateY(-160%);
}
.skip-link:focus { transform: translateY(0); }

.container { width: min(1160px, calc(100% - 48px)); margin-inline: auto; }
.hero-shell { color: #fff; background: var(--navy-900); }
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 76px;
  padding: 12px clamp(20px, 5vw, 72px);
  background: rgba(255, 255, 255, .98);
  border-bottom: 1px solid var(--line);
}
.home-header {
  width: min(1340px, 100%);
  margin-inline: auto;
  color: #fff;
  background: var(--navy-900);
  border-color: rgba(255, 255, 255, .12);
}
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--navy-800); text-decoration: none; }
.brand img { flex: none; border-radius: 11px; }
.brand-name { font-size: 22px; font-weight: 850; letter-spacing: -.04em; }
.brand-name span, .brand > span span { color: var(--teal-500); }
.brand-on-dark { color: #fff; }

.desktop-nav { display: flex; align-items: center; gap: clamp(18px, 2.4vw, 34px); }
.desktop-nav a, .site-header > nav a {
  color: inherit;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}
.desktop-nav a { color: rgba(255, 255, 255, .78); }
.desktop-nav a:hover, .desktop-nav a:focus-visible { color: #fff; }
.site-header > nav a { color: var(--muted); }
.site-header > nav a:hover, .site-header > nav a.active { color: var(--navy-800); }

.mobile-menu { display: none; position: relative; }
.mobile-menu summary { min-height: 44px; padding: 9px 14px; cursor: pointer; font-weight: 800; list-style: none; border: 1px solid rgba(255, 255, 255, .35); border-radius: 9px; }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu nav {
  position: absolute;
  top: 52px;
  right: 0;
  z-index: 30;
  display: grid;
  min-width: 210px;
  padding: 10px;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: var(--shadow);
}
.mobile-menu nav a { min-height: 44px; padding: 9px 10px; color: var(--ink); font-weight: 700; text-decoration: none; }

.hero { min-height: 650px; padding: 72px 0 88px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(330px, .85fr); align-items: center; gap: clamp(54px, 8vw, 112px); }
.hero-copy { max-width: 690px; }
.eyebrow { margin: 0 0 16px; color: var(--teal-700); font-size: 13px; font-weight: 850; letter-spacing: .14em; text-transform: uppercase; }
.eyebrow-on-dark { color: #76d2cc; }
h1, h2, h3 { margin-top: 0; color: var(--ink); line-height: 1.12; letter-spacing: -.035em; }
h1 { margin-bottom: 24px; color: #fff; font-size: clamp(48px, 6.7vw, 80px); }
h1 span { color: #54c5bd; }
h2 { margin-bottom: 16px; font-size: clamp(34px, 4vw, 52px); }
h3 { margin-bottom: 12px; font-size: 22px; }
.hero-lead { max-width: 650px; margin: 0; color: rgba(255, 255, 255, .75); font-size: clamp(18px, 2vw, 22px); line-height: 1.65; }
.actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 34px; }
.actions-left { justify-content: flex-start; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 21px;
  border: 1px solid transparent;
  border-radius: 9px;
  font-size: 15px;
  font-weight: 800;
  text-decoration: none;
  transition: background-color .18s ease, border-color .18s ease, color .18s ease, transform .18s ease;
}
.button:hover { transform: translateY(-2px); }
.button.primary, .header-cta { color: #fff; background: var(--teal-600); }
.button.primary:hover, .header-cta:hover { background: var(--teal-700); }
.button.secondary { color: var(--navy-800); background: #fff; border-color: var(--line); }
.button.secondary:hover { border-color: var(--teal-600); }
.button.outline-on-dark { color: #fff; background: transparent; border-color: rgba(255, 255, 255, .56); }
.button.outline-on-dark:hover { background: rgba(255, 255, 255, .08); border-color: #fff; }
.header-cta { min-height: 44px; padding-inline: 18px; }

.hero-product {
  display: grid;
  justify-items: center;
  padding: clamp(32px, 5vw, 58px);
  text-align: center;
  background: #173b57;
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 28px;
  box-shadow: var(--shadow);
}
.hero-product img { width: min(320px, 80%); border-radius: 22%; }
.hero-product p { max-width: 300px; margin: 24px 0 0; color: rgba(255, 255, 255, .76); font-weight: 650; }

.section { padding: clamp(78px, 9vw, 118px) 0; }
.section-white { background: var(--paper); }
.section-wash { background: var(--wash); }
.section-heading { max-width: 660px; margin-bottom: 48px; }
.section-heading.centered { margin-inline: auto; text-align: center; }
.section-heading > p:last-child { margin: 0; color: var(--muted); font-size: 18px; }

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); }
.feature-card { min-height: 270px; padding: 42px clamp(24px, 3vw, 42px) 26px; border-right: 1px solid var(--line); }
.feature-card:last-child { border-right: 0; }
.feature-number { display: block; margin-bottom: 34px; color: var(--teal-600); font-size: 14px; font-weight: 900; letter-spacing: .12em; }
.feature-card p, .clarity-grid p, .loan-strip p { margin: 0; color: var(--muted); }

.loan-strip { display: grid; grid-template-columns: repeat(3, 1fr); color: #fff; background: var(--navy-900); border-radius: 18px; overflow: hidden; }
.loan-strip article { padding: clamp(30px, 4vw, 46px); border-right: 1px solid rgba(255, 255, 255, .15); }
.loan-strip article:last-child { border-right: 0; }
.loan-strip h3 { color: #fff; }
.loan-strip p { color: rgba(255, 255, 255, .7); }
.loan-strip .loan-label { margin-bottom: 20px; color: #6ed0c9; font-size: 12px; font-weight: 900; letter-spacing: .13em; text-transform: uppercase; }

.clarity-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(24px, 4vw, 54px); }
.clarity-grid article { padding-top: 26px; border-top: 3px solid var(--soft-teal); }
.clarity-grid article:nth-child(2) { border-color: var(--teal-600); }

.independence { padding: clamp(64px, 8vw, 92px) 0; color: #fff; background: var(--navy-950); }
.independence-grid { display: grid; grid-template-columns: minmax(180px, .5fr) minmax(0, 1.5fr); gap: clamp(34px, 8vw, 110px); align-items: start; }
.independence h2 { color: #fff; }
.independence p:not(.eyebrow) { max-width: 760px; color: rgba(255, 255, 255, .72); font-size: 18px; }
.independence a { color: #7dd7d1; font-weight: 800; }

.faq-grid { display: grid; grid-template-columns: minmax(260px, .7fr) minmax(0, 1.3fr); gap: clamp(46px, 8vw, 104px); align-items: start; }
.faq-list { border-top: 1px solid #bdccd2; }
.faq-list details { border-bottom: 1px solid #bdccd2; }
.faq-list summary { min-height: 62px; padding: 18px 12px 18px 0; color: var(--ink); cursor: pointer; font-size: 17px; font-weight: 800; }
.faq-list summary::marker { color: var(--teal-600); }
.faq-list details p { margin: -4px 36px 20px 18px; color: var(--muted); }

.availability { background: var(--paper); }
.availability-card { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: clamp(36px, 6vw, 64px); background: var(--soft-teal); border: 1px solid #c9dfdd; border-radius: 20px; }
.availability-card .button { flex: 0 0 auto; }
.availability-card h2 { margin-bottom: 10px; }
.availability-card p:last-child { margin: 0; color: var(--muted); }

.site-footer { padding: 64px 0 28px; color: rgba(255, 255, 255, .72); background: var(--navy-900); }
.footer-grid { display: grid; grid-template-columns: minmax(250px, 1.5fr) repeat(3, minmax(120px, .6fr)); gap: 44px; }
.footer-grid h2 { margin-bottom: 18px; color: #fff; font-size: 14px; letter-spacing: .02em; }
.footer-grid > div:not(.footer-brand) a { display: block; width: fit-content; margin-bottom: 10px; color: rgba(255, 255, 255, .68); text-decoration: none; }
.footer-grid a:hover { color: #fff; }
.footer-brand p { max-width: 330px; margin-top: 20px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; margin-top: 48px; padding-top: 24px; font-size: 13px; border-top: 1px solid rgba(255, 255, 255, .13); }

/* Shared legal and support pages */
.site-header:not(.home-header) .brand { font-size: 20px; font-weight: 850; letter-spacing: -.03em; }
.document { width: min(840px, calc(100% - 40px)); margin: 48px auto 78px; padding: clamp(28px, 5vw, 58px); background: #fff; border: 1px solid var(--line); border-radius: 24px; }
.document h1 { margin-bottom: 18px; color: var(--ink); font-size: clamp(38px, 6vw, 60px); }
.document h2 { margin-top: 38px; font-size: 26px; }
.document p, .document li { color: #3f535f; }
.document .date { color: var(--muted); }
.notice { margin: 24px 0; padding: 18px 20px; background: var(--soft-teal); border-left: 4px solid var(--teal-600); border-radius: 0 12px 12px 0; }
body:not(.home-page) > footer { padding: 32px clamp(20px, 5vw, 72px); color: var(--muted); background: #fff; border-top: 1px solid var(--line); }
.footer-inner { display: flex; justify-content: space-between; gap: 22px; width: min(960px, 100%); margin: 0 auto; }
.footer-links { display: flex; flex-wrap: wrap; gap: 16px; }
.footer-links a { text-decoration: none; }

@media (max-width: 920px) {
  .desktop-nav, .header-cta { display: none; }
  .mobile-menu { display: block; }
  .hero { min-height: auto; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 760px; }
  .hero-product { width: min(560px, 100%); margin-inline: auto; }
  .hero-product img { width: min(280px, 72%); }
  .feature-card { padding-inline: 24px; }
  .faq-grid { grid-template-columns: 1fr; gap: 12px; }
  .faq-grid .section-heading { margin-bottom: 28px; }
  .footer-grid { grid-template-columns: 1.4fr repeat(3, 1fr); }
}

@media (max-width: 700px) {
  .container { width: min(100% - 32px, 1160px); }
  .site-header { min-height: 68px; padding: 10px 16px; }
  .home-header .brand-name { font-size: 20px; }
  .home-header .brand img { width: 42px; height: 42px; }
  .hero { padding: 56px 0 68px; }
  .hero-grid { gap: 46px; }
  h1 { font-size: clamp(42px, 13vw, 60px); }
  h2 { font-size: clamp(31px, 9vw, 42px); }
  .hero-lead, .section-heading > p:last-child { font-size: 17px; }
  .actions-left { display: grid; grid-template-columns: 1fr; }
  .button { width: 100%; }
  .feature-grid, .loan-strip, .clarity-grid, .independence-grid, .footer-grid { grid-template-columns: 1fr; }
  .feature-grid { border-top: 0; }
  .feature-card { min-height: auto; padding: 30px 0; border-top: 1px solid var(--line); border-right: 0; }
  .feature-number { margin-bottom: 18px; }
  .loan-strip article { border-right: 0; border-bottom: 1px solid rgba(255, 255, 255, .15); }
  .loan-strip article:last-child { border-bottom: 0; }
  .clarity-grid { gap: 34px; }
  .independence-grid { gap: 10px; }
  .availability-card, .footer-bottom, .footer-inner { align-items: stretch; flex-direction: column; }
  .footer-grid { gap: 30px; }
  .footer-grid > div:not(.footer-brand) { padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .12); }
  .document { overflow-x: auto; }
  .site-header:not(.home-header) { align-items: flex-start; flex-direction: column; }
  .site-header:not(.home-header) > nav { display: flex; flex-wrap: wrap; gap: 10px 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
  .button:hover { transform: none; }
}