:root{--navy: #040273;--navy-hover: #0a0599;--navy-light: #0d0399;--accent: #1a3fbb;--highlight: #4a6fff;--bg-alt: #f0f2ff;--bg-white: #ffffff;--text-dark: #1a1a2e;--text-mid: #4a5680;--text-light: #6b7db3;--border-light: #d0d5f0;--border-mid: #a0aacc}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:Inter,sans-serif;color:var(--text-dark);background:#fff;line-height:1.7}a{color:inherit}nav{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--border-light);height:72px;display:flex;align-items:center}.nav-inner{max-width:1200px;margin:0 auto;padding:0 24px;width:100%;display:flex;align-items:center;justify-content:space-between}.logo{font-size:22px;font-weight:800;color:var(--navy);text-decoration:none;letter-spacing:-.5px}.logo span{color:var(--highlight)}.nav-links{display:flex;gap:32px;list-style:none}.nav-links a{text-decoration:none;color:var(--text-mid);font-size:15px;font-weight:500;transition:color .2s}.nav-links a:hover,.nav-links a.active{color:var(--navy)}.nav-cta{background:var(--navy);color:#fff;padding:10px 22px;border-radius:8px;text-decoration:none;font-size:14px;font-weight:600;transition:background .2s;white-space:nowrap}.nav-cta:hover{background:var(--navy-hover)}.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}.hamburger span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s}.mobile-menu{display:none;position:fixed;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border-light);padding:20px 24px;z-index:99}.mobile-menu.open{display:block}.mobile-menu ul{list-style:none;display:flex;flex-direction:column;gap:16px}.mobile-menu a{text-decoration:none;color:var(--text-dark);font-size:16px;font-weight:500}.mobile-menu .nav-cta{display:inline-block;margin-top:8px;text-align:center;width:100%}.hero{background:var(--navy);padding:100px 24px 80px;text-align:center}.hero-inner{max-width:760px;margin:0 auto}.eyebrow{display:inline-block;background:#ffffff1f;color:#ffffffd9;font-size:13px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:6px 16px;border-radius:20px;margin-bottom:28px;border:1px solid rgba(255,255,255,.2)}.hero h1{font-size:clamp(38px,6vw,68px);font-weight:800;color:#fff;line-height:1.1;letter-spacing:-1.5px;margin-bottom:24px}.hero h1 span{color:#a8b8ff}.hero-sub{font-size:18px;color:#ffffffbf;max-width:580px;margin:0 auto 40px;line-height:1.7}.hero-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:40px}.btn-primary{background:#fff;color:var(--navy);padding:14px 28px;border-radius:8px;text-decoration:none;font-size:16px;font-weight:700;transition:all .2s;border:2px solid #fff}.btn-primary:hover{background:var(--bg-alt);color:var(--navy)}.btn-ghost{background:transparent;color:#fff;padding:14px 28px;border-radius:8px;text-decoration:none;font-size:16px;font-weight:600;border:2px solid rgba(255,255,255,.4);transition:all .2s}.btn-ghost:hover{border-color:#fff;background:#ffffff14}.trust-strip{display:flex;gap:32px;justify-content:center;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:8px;color:#fffc;font-size:14px;font-weight:500}.trust-check{width:20px;height:20px;background:#ffffff26;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;color:#fff;flex-shrink:0}.bank-strip{background:#fff;padding:32px 24px;border-bottom:1px solid var(--border-light)}.bank-strip-label{text-align:center;font-size:12px;font-weight:600;color:var(--text-light);letter-spacing:1px;text-transform:uppercase;margin-bottom:20px}.bank-logos{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;align-items:center}.bank-pill{background:var(--bg-alt);color:var(--navy);font-size:13px;font-weight:700;padding:8px 18px;border-radius:6px;border:1px solid var(--border-light);letter-spacing:.3px}.section{padding:96px 24px}.section-alt{background:var(--bg-alt)}.section-inner{max-width:1160px;margin:0 auto}.section-eyebrow{font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--highlight);margin-bottom:12px;text-align:center}.section-heading{font-size:clamp(28px,4vw,44px);font-weight:800;color:var(--navy);letter-spacing:-.5px;text-align:center;margin-bottom:16px;line-height:1.15}.section-sub{font-size:17px;color:var(--text-mid);text-align:center;max-width:600px;margin:0 auto 56px;line-height:1.7}.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px;position:relative}.step{text-align:center;padding:0 16px}.step-num{width:64px;height:64px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin:0 auto 20px}.step-icon{font-size:22px;margin-bottom:4px}.step h3{font-size:19px;font-weight:700;color:var(--navy);margin-bottom:10px}.step p{font-size:15px;color:var(--text-mid);line-height:1.65}.section-cta{text-align:center;margin-top:48px}.btn-navy{background:var(--navy);color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-size:16px;font-weight:700;display:inline-block;transition:background .2s;border:none;cursor:pointer}.btn-navy:hover{background:var(--navy-hover)}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}.benefit-card{background:#fff;border:1px solid var(--border-light);border-radius:12px;padding:28px;transition:border-color .2s}.benefit-card:hover{border-color:var(--highlight)}.benefit-icon{width:44px;height:44px;background:var(--bg-alt);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:16px}.benefit-card h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:8px}.benefit-card p{font-size:14px;color:var(--text-mid);line-height:1.65}.loan-pills{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-bottom:32px}.loan-pill{background:#fff;border:1.5px solid var(--border-light);border-radius:40px;padding:10px 22px;font-size:14px;font-weight:600;color:var(--navy);transition:all .2s;cursor:default}.loan-pill:hover{background:var(--navy);color:#fff;border-color:var(--navy)}.loan-note{text-align:center;font-size:15px;color:var(--text-mid)}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-bottom:56px}.tcard{background:#fff;border:1px solid var(--border-light);border-radius:12px;padding:28px}.stars{color:#f0b429;font-size:16px;margin-bottom:16px;letter-spacing:2px}.tcard 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1fr;gap:72px;align-items:center}.form-left h2{font-size:clamp(28px,4vw,42px);font-weight:800;color:#fff;line-height:1.15;letter-spacing:-.5px;margin-bottom:20px}.form-left p{font-size:16px;color:#ffffffb8;margin-bottom:32px;line-height:1.7}.form-bullets{list-style:none;display:flex;flex-direction:column;gap:14px}.form-bullets li{display:flex;align-items:flex-start;gap:12px;color:#ffffffd9;font-size:15px;font-weight:500}.form-check{width:22px;height:22px;background:#ffffff26;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;color:#fff;flex-shrink:0;margin-top:2px}.form-card{background:#fff;border-radius:16px;padding:40px}.form-card-title{font-size:20px;font-weight:800;color:var(--navy);margin-bottom:4px}.form-card-sub{font-size:14px;color:var(--text-mid);margin-bottom:28px}.form-group{margin-bottom:20px}.form-group label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px;letter-spacing:.2px}.form-group input,.form-group 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.2s;font-family:Inter,sans-serif;margin-top:8px}.submit-btn:hover{background:var(--navy-hover)}.form-note{text-align:center;font-size:12px;color:var(--text-light);margin-top:12px;line-height:1.5}.success-msg{text-align:center;padding:32px;background:var(--bg-alt);border-radius:12px;border:2px solid var(--navy)}.success-msg h3{font-size:20px;font-weight:800;color:var(--navy);margin-bottom:8px}.success-msg p{font-size:15px;color:var(--text-mid)}.faq-list{max-width:760px;margin:0 auto}.faq-item{border-bottom:1px solid var(--border-light)}.faq-q{width:100%;background:none;border:none;text-align:left;padding:22px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-family:Inter,sans-serif;font-size:16px;font-weight:600;color:var(--navy);gap:16px}.faq-icon{width:28px;height:28px;border:1.5px solid var(--border-mid);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:16px;color:var(--text-mid);flex-shrink:0;transition:all .2s}.faq-item.open .faq-icon{background:var(--navy);border-color:var(--navy);color:#fff}.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}.faq-a-inner{padding-bottom:20px;font-size:15px;color:var(--text-mid);line-height:1.7}.faq-item.open .faq-a{max-height:200px}footer{background:var(--navy);color:#ffffffbf;padding:56px 24px 32px}.footer-inner{max-width:1160px;margin:0 auto}.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:48px}.footer-brand .logo{color:#fff;display:block;margin-bottom:12px}.footer-brand .logo span{color:#a8b8ff}.footer-tagline{font-size:14px;line-height:1.6;max-width:280px}.footer-col h4{font-size:13px;font-weight:700;color:#fff;letter-spacing:1px;text-transform:uppercase;margin-bottom:16px}.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}.footer-col a{color:#ffffffa6;text-decoration:none;font-size:14px;transition:color .2s}.footer-col 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640px){.nav-links{display:none}.hamburger{display:flex}.hero{padding:72px 20px 60px}.section{padding:64px 20px}.trust-strip{gap:20px}.footer-top{grid-template-columns:1fr}.footer-brand{grid-column:auto}.form-card{padding:28px 20px}}