:root {
  --color-primary: #176b5b;
  --color-primary-deep: #10483f;
  --color-accent: #d87955;
  --color-surface: #f5f7f5;
  --color-paper: #fff;
  --color-text: #19312d;
  --color-muted: #5d706b;
  --color-border: #d8e1dd;
  --color-warm: #fff6ef;
  --pico-font-family: Aptos, "Segoe UI", system-ui, sans-serif;
  --pico-primary: var(--color-primary);
  --pico-primary-hover: var(--color-primary-deep);
  --pico-primary-focus: rgb(23 107 91 / 22%);
  --pico-color: var(--color-text);
  --pico-background-color: var(--color-surface);
  --pico-muted-color: var(--color-muted);
  --pico-border-color: var(--color-border);
  --pico-border-radius: 4px;
  --pico-spacing: 1rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { min-height: 100vh; display: flex; flex-direction: column; background: var(--color-surface); color: var(--color-text); font-size: 15px; line-height: 1.65; }
a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: none; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--color-text); letter-spacing: 0; line-height: 1.15; }
h1 { margin-bottom: 1rem; font-size: clamp(2rem, 4vw, 3rem); }
h2 { margin-bottom: .7rem; font-size: 1.3rem; }
p { color: var(--color-muted); }

.site-header { border-bottom: 1px solid var(--color-border); background: var(--color-paper); }
.header-inner { width: min(1120px, calc(100% - 48px)); min-height: 72px; margin-inline: auto; display: flex; align-items: center; justify-content: space-between; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--color-text); font-size: 1rem; font-weight: 750; }
.brand:hover { color: var(--color-primary); }
.brand-mark { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 4px; background: var(--color-primary); color: white; font-size: .75rem; font-weight: 800; letter-spacing: 0; }
.header-note { color: var(--color-muted); font-size: .78rem; }
.primary-nav { width: min(1120px, calc(100% - 48px)); margin: 0 auto; padding: 10px 0; display: flex; flex-wrap: wrap; gap: 4px; border-bottom: 1px solid var(--color-border); }
.primary-nav a { min-height: 40px; padding: 8px 12px; display: inline-flex; align-items: center; gap: 8px; border-radius: 4px; color: var(--color-muted); font-size: .83rem; font-weight: 600; transition: background-color 160ms ease, color 160ms ease; }
.primary-nav a:hover, .primary-nav a[aria-current="page"] { background: rgb(23 107 91 / 9%); color: var(--color-primary); }
.icon { width: 19px; height: 19px; flex: 0 0 auto; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.page-main { width: min(1120px, calc(100% - 48px)); margin: 0 auto; padding: 36px 0 64px; flex: 1; }
.page-main-narrow { width: min(880px, calc(100% - 48px)); }

.hero { min-height: 345px; position: relative; overflow: hidden; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; padding: clamp(32px, 7vw, 72px); border-radius: 6px; isolation: isolate; color: white; background: linear-gradient(126deg, var(--color-primary) 0%, #1c6254 57%, var(--color-primary-deep) 100%); box-shadow: 0 14px 34px rgb(16 72 63 / 15%); animation: arrive 460ms cubic-bezier(.2, .7, .25, 1) both; }
.hero::before, .hero::after { position: absolute; z-index: -1; content: ""; pointer-events: none; }
.hero::before { width: 72%; height: 125%; top: -48%; right: -13%; border: 1px solid rgb(255 255 255 / 17%); border-radius: 50%; transform: rotate(-18deg); }
.hero::after { width: 50%; height: 135%; right: -10%; bottom: -96%; border: 1px solid rgb(255 255 255 / 20%); border-radius: 50%; transform: rotate(-18deg); }
.hero h1 { margin-bottom: 12px; color: white; font-size: clamp(2.7rem, 7vw, 4rem); max-width: 24ch; }
.hero-copy { max-width: 58ch; margin-bottom: 0; color: rgb(255 255 255 / 88%); font-size: 1.05rem; }
.eyebrow { margin-bottom: 12px; display: flex; align-items: center; gap: 9px; color: rgb(255 255 255 / 83%); font-size: .72rem; font-weight: 750; letter-spacing: .08em; line-height: 1.5; text-transform: uppercase; }
.eyebrow > span { width: 6px; height: 6px; flex: 0 0 auto; border-radius: 50%; background: var(--color-accent); }
.eyebrow-dark { color: var(--color-primary); }
.hero-actions { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 10px; }
.action-link { min-height: 44px; padding: 11px 16px; display: inline-flex; align-items: center; justify-content: center; gap: 9px; border: 1px solid transparent; border-radius: 4px; font-size: .86rem; font-weight: 700; transition: transform 150ms ease, background-color 150ms ease; }
.action-link:hover { transform: translateY(-1px); }
.action-primary { background: var(--color-primary); color: white; }
.hero .action-primary { background: white; color: var(--color-primary-deep); }
.action-primary:hover { background: #edf3ef; color: var(--color-primary-deep); }
.action-secondary { border-color: rgb(255 255 255 / 40%); background: rgb(255 255 255 / 8%); color: white; }
.action-secondary:hover { background: rgb(255 255 255 / 16%); color: white; }
.hero-index { position: absolute; right: 24px; bottom: 20px; color: rgb(255 255 255 / 58%); font-size: .68rem; font-weight: 700; letter-spacing: .08em; }

.lender-section { padding: 50px 0 44px; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(350px, .92fr); align-items: center; gap: 54px; border-bottom: 1px solid var(--color-border); }
.lender-copy { max-width: 62ch; }
.lender-badge { width: fit-content; margin: 0 0 18px; padding: 7px 15px; border-radius: 999px; background: #d9ebcf; color: var(--color-primary-deep); font-size: .75rem; font-weight: 800; line-height: 1.4; text-transform: uppercase; }
.lender-copy h2 { max-width: 15ch; margin-bottom: 18px; color: var(--color-primary-deep); font-size: 2.25rem; }
.lender-copy > p:not(.lender-badge) { font-size: .92rem; }
.lender-note { margin: 14px 0 0; font-size: .76rem !important; }
.lender-actions { margin-top: 22px; display: flex; flex-wrap: wrap; align-items: center; gap: 18px; }
.lender-actions .action-link { min-height: 42px; }
.lender-panel-label { margin: 0 0 10px; color: var(--color-muted); font-size: .72rem; font-weight: 700; text-align: center; text-transform: uppercase; }
.lender-list { margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); list-style: none; }
.lender-list li { min-width: 0; min-height: 68px; padding: 10px 8px; display: grid; place-items: center; border-bottom: 1px solid var(--color-border); color: var(--color-text); font-size: .88rem; font-weight: 750; line-height: 1.25; text-align: center; }
.lender-list li:nth-child(-n+3) { border-top: 1px solid var(--color-border); }

.content-section { padding-top: 52px; }
.section-heading { margin-bottom: 18px; display: flex; align-items: end; justify-content: space-between; gap: 20px; }
.section-heading .eyebrow { margin-bottom: 7px; }
.section-heading h2 { margin: 0; font-size: 1.4rem; }
.section-rule { width: 96px; height: 1px; margin-bottom: 7px; background: var(--color-accent); }
.link-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.info-link { min-width: 0; min-height: 142px; padding: 22px 18px 22px 0; display: grid; grid-template-columns: 38px minmax(0, 1fr) 20px; align-items: start; gap: 12px; color: var(--color-text); transition: background-color 150ms ease, padding 150ms ease; }
.info-link + .info-link { padding-left: 18px; border-left: 1px solid var(--color-border); }
.info-link:hover { background: rgb(23 107 91 / 4%); color: var(--color-text); }
.link-icon, .topic-icon { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 4px; background: rgb(23 107 91 / 10%); color: var(--color-primary); }
.link-icon .icon, .topic-icon .icon { width: 18px; height: 18px; }
.link-copy { display: grid; gap: 7px; }
.link-copy strong { color: var(--color-text); font-size: .98rem; }
.link-copy > span { color: var(--color-muted); font-size: .82rem; line-height: 1.5; }
.link-arrow { width: 17px; height: 17px; margin-top: 8px; color: var(--color-primary); }

.why-choose { padding-top: 38px; }
.why-intro { max-width: 72ch; margin: 0 0 24px; font-size: .96rem; }
.why-details { border-top: 1px solid var(--color-border); }
.why-point { margin: 0; padding: 21px 0; display: grid; grid-template-columns: minmax(190px, .72fr) minmax(0, 1.5fr); gap: 28px; border-bottom: 1px solid var(--color-border); }
.why-point h3 { margin: 0; font-size: 1rem; }
.why-point p { margin: 0; font-size: .88rem; }
.why-point ul { margin: 12px 0 0; padding-left: 1.2rem; color: var(--color-muted); font-size: .86rem; }
.why-point li { padding: 2px 0; }
.why-promise { margin-top: 26px; padding: 24px; border-left: 3px solid var(--color-accent); background: linear-gradient(110deg, var(--color-paper), var(--color-warm)); }
.why-promise .eyebrow { margin-bottom: 8px; }
.why-promise > p:not(.eyebrow) { max-width: 65ch; color: var(--color-text); font-size: 1rem; font-weight: 600; }
.why-promise .action-link { margin-top: 2px; }
.why-prompt { margin: 12px 0 0; font-size: .82rem !important; font-weight: 400 !important; }
.services-lede-title { margin: 24px 0 8px; font-size: 1.22rem; }
.services-lede { max-width: 72ch; margin-bottom: 30px; font-size: .94rem; }
.service-category { padding: 24px 0 26px; border-top: 1px solid var(--color-border); }
.service-category > h3 { margin-bottom: 8px; font-size: 1.18rem; }
.service-category > p { max-width: 72ch; font-size: .88rem; }
.service-columns { display: grid; grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr); gap: 30px; margin-top: 18px; }
.service-columns h4 { margin: 0 0 8px; color: var(--color-primary-deep); font-size: .88rem; }
.service-columns ul, .finance-list { margin: 0; padding-left: 1.15rem; color: var(--color-muted); font-size: .84rem; }
.service-columns li, .finance-list li { padding: 3px 0; }
.service-detail-list strong, .finance-list strong { color: var(--color-text); }
.finance-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 32px; margin-top: 12px; }
.benefit-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 32px; margin: 0; padding: 18px 0; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); color: var(--color-muted); font-size: .88rem; }
.benefit-list li { padding: 7px 0; }
.benefit-list strong { color: var(--color-text); }
.how-it-works { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--color-border); }
.how-it-works h3 { margin-bottom: 14px; font-size: 1.1rem; }
.process-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 34px; margin: 0; padding-left: 1.4rem; color: var(--color-muted); font-size: .86rem; }
.process-list li { padding: 7px 0 7px 4px; }
.process-list strong { color: var(--color-text); }

.page-intro { max-width: 65ch; padding: 28px 0 34px; border-bottom: 1px solid var(--color-border); }
.page-intro h1 { margin-bottom: 12px; }
.page-intro p:last-child { margin-bottom: 0; font-size: 1.02rem; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.about-section { padding: 28px 0; border-bottom: 1px solid var(--color-border); }
.about-section > h2 { margin-bottom: 12px; font-size: 1.24rem; }
.about-section > p { max-width: 72ch; font-size: .9rem; }
.about-opening { padding-top: 28px; }
.about-opening p { max-width: 72ch; font-size: .96rem; }
.about-principles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border-top: 1px solid var(--color-border); }
.about-principles section { min-width: 0; margin: 0; padding: 18px 18px 16px 0; border-bottom: 1px solid var(--color-border); }
.about-principles section:nth-child(even) { padding-left: 18px; border-left: 1px solid var(--color-border); }
.about-principles h3 { margin: 0 0 7px; font-size: .96rem; }
.about-principles p { margin: 0; font-size: .84rem; }
.about-mission { border-left: 3px solid var(--color-accent); padding-left: 18px; }
.about-mission p { margin-bottom: 0; color: var(--color-text); font-size: .98rem; font-weight: 600; }
.about-values { margin: 0; padding-left: 1.2rem; color: var(--color-muted); font-size: .88rem; }
.about-values li { padding: 5px 0; }
.about-values strong { color: var(--color-text); }
.owner-confirmation { padding: 12px 14px; border-left: 3px solid var(--color-accent); background: var(--color-warm); color: #68412f; font-size: .82rem !important; }
.about-process { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 32px; margin: 0; padding-left: 1.35rem; color: var(--color-muted); font-size: .86rem; }
.about-process li { padding: 6px 0 6px 3px; }
.about-process strong { color: var(--color-text); }
.about-contact { margin-top: 18px; }
.notice-panel { margin-top: 28px; padding: 28px; display: grid; grid-template-columns: 48px minmax(0, 1fr); gap: 20px; border: 1px solid var(--color-border); border-radius: 6px; background: var(--color-paper); box-shadow: 0 3px 12px rgb(25 49 45 / 5%); }
.notice-panel h2 { margin-bottom: 10px; }
.notice-panel p { max-width: 65ch; }
.notice-panel p:last-of-type { margin-bottom: 14px; }
.notice-icon { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 50%; background: rgb(23 107 91 / 11%); color: var(--color-primary); }
.notice-icon-warm { background: rgb(216 121 85 / 15%); color: #985134; }
.text-link { display: inline-flex; align-items: center; gap: 8px; font-size: .88rem; font-weight: 700; }
.fine-print { margin-top: 18px; color: var(--color-muted); font-size: .78rem; }
.pending-panel { margin-top: 28px; padding: 26px 0; display: grid; grid-template-columns: 54px minmax(0, 1fr) auto; align-items: center; gap: 20px; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.pending-panel h2 { margin-bottom: 8px; }
.pending-panel p:last-child { margin-bottom: 0; }
.pending-number { color: var(--color-accent); font-size: 1.8rem; font-weight: 700; }
.status-label { width: fit-content; display: inline-flex; align-items: center; gap: 8px; padding: 6px 9px; border: 1px solid #ead4c8; border-radius: 4px; background: var(--color-warm); color: #885236; font-size: .73rem; font-weight: 700; white-space: nowrap; }
.status-label > span { width: 6px; height: 6px; border-radius: 50%; background: var(--color-accent); }
.notice-panel-warm { background: linear-gradient(115deg, var(--color-paper), var(--color-warm)); }
.topic-list { margin-top: 28px; border-top: 1px solid var(--color-border); }
.topic-row { min-height: 104px; padding: 18px 0; display: grid; grid-template-columns: 38px minmax(0, 1fr) auto; align-items: center; gap: 15px; border-bottom: 1px solid var(--color-border); }
.topic-copy h2 { margin-bottom: 4px; font-size: 1rem; }
.topic-copy p { margin-bottom: 0; font-size: .84rem; }
.not-found { min-height: 55vh; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; }
.not-found .action-link { margin-top: 8px; }

.site-footer { width: min(1120px, calc(100% - 48px)); min-height: 68px; margin: 0 auto; padding: 15px 0; display: flex; align-items: center; justify-content: space-between; gap: 18px; border-top: 1px solid var(--color-border); color: var(--color-muted); font-size: .75rem; }
.site-footer a { color: var(--color-muted); }
.site-footer .footer-brand { color: var(--color-text); font-weight: 750; }
.site-footer .footer-legal { flex: 0 0 100%; color: var(--color-muted); font-size: .68rem; line-height: 1.5; text-align: center; }

@keyframes arrive { from { opacity: 0; transform: translateY(9px); } to { opacity: 1; transform: translateY(0); } }
@media (max-width: 760px) {
  .header-inner, .primary-nav, .page-main, .page-main-narrow, .site-footer { width: min(100% - 32px, 620px); }
  .primary-nav { gap: 2px; }
  .primary-nav a { padding: 8px; font-size: .76rem; }
  .primary-nav a .icon { width: 17px; height: 17px; }
  .hero { min-height: 320px; padding: 30px 24px; }
  .hero-index { right: 16px; bottom: 14px; }
  .lender-section { grid-template-columns: 1fr; gap: 30px; padding: 36px 0; }
  .lender-copy h2 { max-width: 20ch; font-size: 1.8rem; }
  .lender-list li { min-height: 58px; padding-inline: 4px; font-size: .78rem; }
  .lender-actions { align-items: flex-start; flex-direction: column; gap: 12px; }
  .content-section { padding-top: 38px; }
  .link-grid { grid-template-columns: 1fr; }
  .info-link, .info-link + .info-link { min-height: 108px; padding: 18px 4px; border-left: 0; }
  .info-link + .info-link { border-top: 1px solid var(--color-border); }
  .service-columns, .finance-list, .benefit-list, .process-list { grid-template-columns: 1fr; }
  .service-columns { gap: 18px; }
  .service-category { padding: 20px 0; }
  .benefit-list { gap: 0; }
  .process-list { gap: 0; }
  .about-principles, .about-process { grid-template-columns: 1fr; }
  .about-principles section, .about-principles section:nth-child(even) { padding: 16px 4px; border-left: 0; }
  .about-mission { padding-left: 14px; }
  .why-point { grid-template-columns: 1fr; gap: 8px; padding: 18px 4px; }
  .why-promise { padding: 20px 18px; }
  .notice-panel { grid-template-columns: 40px minmax(0, 1fr); gap: 14px; padding: 22px 18px; }
  .notice-icon { width: 40px; height: 40px; }
  .pending-panel { grid-template-columns: 40px minmax(0, 1fr); gap: 14px; }
  .pending-number { font-size: 1.5rem; }
  .pending-panel .status-label { grid-column: 2; }
  .topic-row { grid-template-columns: 36px minmax(0, 1fr); }
  .topic-row .status-label { grid-column: 2; }
  .site-footer { flex-wrap: wrap; justify-content: flex-start; }
  .site-footer > span { margin-right: auto; }
}
@media (max-width: 420px) {
  .header-inner, .primary-nav, .page-main, .page-main-narrow, .site-footer { width: calc(100% - 28px); }
  .primary-nav a { gap: 5px; padding-inline: 6px; font-size: .7rem; }
  .primary-nav a .icon { width: 15px; height: 15px; }
  .hero { min-height: 350px; }
  .hero-actions { align-items: stretch; flex-direction: column; width: 100%; }
  .action-link { width: 100%; }
  .section-heading { align-items: flex-start; }
  .section-rule { width: 36px; margin-top: 18px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}