:root{
  --navy-950:#0a1a2e;
  --navy-900:#0f2545;
  --navy-800:#163459;
  --navy-700:#20456f;
  --gold-500:#c69a3e;
  --gold-400:#dab661;
  --gold-text:#7a5720;
  --paper:#f6f4ee;
  --paper-2:#ede9de;
  --ink:#10233b;
  --ink-muted:#5a6b80;
  --line:#dcd6c5;
  --white:#ffffff;
  --radius-s:2px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Public Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--ink);background:var(--paper);line-height:1.55;-webkit-font-smoothing:antialiased;}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,'Times New Roman',serif;font-weight:600;line-height:1.14;color:var(--navy-900);letter-spacing:-0.01em;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
ul{list-style:none;}
:focus-visible{outline:2px solid var(--gold-500);outline-offset:2px;}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px;}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;font-size:15px;font-weight:600;border-radius:var(--radius-s);border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,border-color .15s ease;font-family:inherit;}
.btn:hover{transform:translateY(-1px);}
.btn-gold{background:var(--gold-500);color:var(--navy-950);}
.btn-gold:hover{background:var(--gold-400);}
.btn-outline-light{border-color:rgba(255,255,255,.4);color:#fff;}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,.08);}
.btn-outline-dark{border-color:var(--navy-900);color:var(--navy-900);}
.btn-outline-dark:hover{background:var(--navy-900);color:#fff;}
.btn-block{width:100%;justify-content:center;}

/* Header */
header{position:sticky;top:0;z-index:100;background:var(--paper);border-bottom:1px solid var(--line);}
.nav-row{display:flex;align-items:center;justify-content:space-between;height:82px;gap:20px;}
.logo{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.logo-text{font-family:'Fraunces',serif;font-weight:600;font-size:22px;color:var(--navy-900);display:flex;flex-direction:column;line-height:1.05;}
.logo-text span{font-family:'Public Sans',sans-serif;font-size:10.5px;font-weight:600;color:var(--ink-muted);letter-spacing:.06em;margin-top:3px;}
nav.desktop-nav ul{display:flex;gap:22px;align-items:center;}
nav a.navlink{font-size:14px;font-weight:600;color:var(--ink);position:relative;padding:8px 0;display:inline-block;}
nav a.navlink:hover{color:var(--navy-800);}
.has-dropdown{position:relative;}
.dropdown-panel{position:absolute;top:100%;left:50%;transform:translate(-50%,4px);background:var(--white);border:1px solid var(--line);min-width:200px;padding:8px;opacity:0;visibility:hidden;transition:opacity .15s ease,transform .15s ease,visibility .15s ease;z-index:50;}
.has-dropdown:hover .dropdown-panel,.has-dropdown:focus-within .dropdown-panel{opacity:1;visibility:visible;transform:translate(-50%,10px);}
.dropdown-panel a{display:block;padding:10px 12px;font-size:13.5px;font-weight:600;color:var(--ink);border-radius:2px;}
.dropdown-panel a:hover{background:var(--paper-2);color:var(--navy-900);}
.nav-cta{display:flex;align-items:center;gap:20px;flex-shrink:0;}
.nav-phone{font-size:14px;font-weight:700;color:var(--navy-900);white-space:nowrap;}
.nav-phone small{display:block;font-weight:500;color:var(--ink-muted);font-size:11px;}
.menu-btn{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--navy-900);}
@media (max-width:1200px){nav.desktop-nav{display:none;}.nav-phone{display:none;}.menu-btn{display:block;}}
.mobile-nav{display:none;flex-direction:column;background:var(--paper);border-top:1px solid var(--line);padding:16px 32px 24px;max-height:75vh;overflow-y:auto;}
.mobile-nav.open{display:flex;}
.mobile-nav a{padding:12px 0;font-weight:600;border-bottom:1px solid var(--line);font-size:15px;}
.mobile-nav .mnav-label{font-size:11.5px;font-weight:700;color:var(--gold-500);letter-spacing:.04em;padding-top:14px;}

/* Home hero */
.hero{background:var(--navy-900);background-image:radial-gradient(circle at 85% 15%,rgba(198,154,62,.14),transparent 45%),linear-gradient(180deg,var(--navy-950) 0%,var(--navy-900) 100%);color:#fff;padding:84px 0 92px;position:relative;overflow:hidden;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center;}
.eyebrow-line{display:flex;align-items:center;gap:10px;margin-bottom:20px;color:var(--gold-400);font-size:13.5px;font-weight:700;}
.eyebrow-line::before{content:"";width:28px;height:2px;background:var(--gold-500);}
.hero h1{color:#fff;font-size:clamp(34px,4.4vw,52px);max-width:12ch;}
.hero-sub{margin-top:20px;font-size:17.5px;color:#c6d1e0;max-width:46ch;}
.hero-actions{margin-top:32px;display:flex;gap:16px;flex-wrap:wrap;}
.hero-trust{margin-top:40px;display:flex;gap:26px;flex-wrap:wrap;font-size:13px;color:#9fb0c4;}
.hero-trust b{color:#fff;font-weight:700;}
.metric-panel{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.14);}
.metric-card{background:var(--navy-800);padding:28px 24px;}
.metric-num{font-family:'Fraunces',serif;font-size:32px;color:var(--gold-400);font-weight:600;}
.metric-label{margin-top:8px;font-size:12.5px;color:#c6d1e0;}
@media (max-width:920px){.hero-grid{grid-template-columns:1fr;}}

/* Page hero (subpages) */
.page-hero{background:var(--navy-900);background-image:radial-gradient(circle at 90% 10%,rgba(198,154,62,.14),transparent 45%),linear-gradient(180deg,var(--navy-950) 0%,var(--navy-900) 100%);color:#fff;padding:52px 0 64px;}
.breadcrumb{display:flex;gap:8px;align-items:center;font-size:12.5px;color:#8fa1b8;margin-bottom:22px;flex-wrap:wrap;}
.breadcrumb a:hover{color:#fff;}
.breadcrumb .sep{opacity:.5;}
.page-hero h1{color:#fff;font-size:clamp(28px,3.6vw,42px);max-width:18ch;}
.page-hero .hero-sub{margin-top:16px;color:#c6d1e0;font-size:16.5px;max-width:58ch;}
.page-hero .hero-actions{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap;}
.hero-stats{margin-top:38px;display:flex;gap:34px;flex-wrap:wrap;}
.hero-stats .stat b{display:block;font-family:'Fraunces',serif;color:var(--gold-400);font-size:21px;font-weight:600;}
.hero-stats .stat span{font-size:12px;color:#9fb0c4;}

/* Sections */
section{padding:80px 0;}
.section-tight{padding:56px 0;}
.section-head{max-width:660px;margin-bottom:48px;}
.section-head .kicker{font-size:13px;font-weight:700;color:var(--gold-500);margin-bottom:14px;display:block;}
.section-head h2{font-size:clamp(27px,3vw,36px);}
.section-head p{margin-top:15px;color:var(--ink-muted);font-size:16px;}
.section-alt{background:var(--paper-2);}

/* Pill nav (loan-type switcher) */
.pill-nav{display:flex;gap:10px;flex-wrap:wrap;}
.pill{padding:9px 18px;border:1.5px solid var(--line);border-radius:999px;font-size:13.5px;font-weight:600;color:var(--ink);background:var(--white);}
.pill.is-active{background:var(--navy-900);border-color:var(--navy-900);color:#fff;}
.pill:hover:not(.is-active){border-color:var(--navy-800);}

/* Loan grid (home) */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
.loan-card{background:var(--paper);padding:34px 26px;transition:background .2s ease;}
.loan-card:hover{background:var(--white);}
.loan-icon{width:36px;height:36px;margin-bottom:20px;}
.loan-card h3{font-size:18.5px;margin-bottom:10px;}
.loan-card p{font-size:14px;color:var(--ink-muted);margin-bottom:16px;}
.arrow-link{font-size:13.5px;font-weight:700;color:var(--navy-800);border-bottom:1.5px solid var(--gold-500);padding-bottom:2px;}
@media (max-width:920px){.loan-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr;}}

/* Info grid (loan detail pages) */
.info-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:start;}
@media (max-width:920px){.info-grid{grid-template-columns:1fr;}}
.info-copy h2{font-size:26px;margin-bottom:18px;}
.info-copy p{color:var(--ink-muted);font-size:16px;margin-bottom:16px;}
.check-list{margin-top:26px;}
.check-list li{display:flex;gap:12px;padding:11px 0;border-top:1px solid var(--line);font-size:14.5px;color:var(--ink);}
.check-list li:last-child{border-bottom:1px solid var(--line);}
.check-list svg{flex-shrink:0;width:18px;height:18px;margin-top:2px;}

.facts-card{background:var(--navy-900);color:#fff;padding:32px;border:1px solid var(--navy-800);position:sticky;top:110px;}
.facts-card h3{color:var(--gold-400);font-size:14px;font-family:'Public Sans',sans-serif;font-weight:700;margin-bottom:18px;letter-spacing:.02em;}
.facts-row{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-top:1px solid rgba(255,255,255,.12);font-size:13.5px;}
.facts-row:last-child{border-bottom:1px solid rgba(255,255,255,.12);}
.facts-row span:first-child{color:#9fb0c4;}
.facts-row span:last-child{color:#fff;font-weight:600;text-align:right;}
.facts-card .btn{margin-top:22px;}

/* Advantages (dark split) */
.advantages{background:var(--navy-900);color:#fff;}
.adv-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;}
.adv-col h3{color:var(--gold-400);font-size:19px;margin-bottom:22px;font-family:'Public Sans',sans-serif;font-weight:700;}
.adv-list li{display:flex;gap:14px;padding:13px 0;border-top:1px solid rgba(255,255,255,.12);font-size:14.5px;color:#dbe3ee;}
.adv-list li:last-child{border-bottom:1px solid rgba(255,255,255,.12);}
.check{flex-shrink:0;width:18px;height:18px;margin-top:2px;}
@media (max-width:820px){.adv-grid{grid-template-columns:1fr;gap:38px;}}

/* Process */
.process-row{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative;}
.process-step{padding:0 28px;position:relative;}
.process-step:first-child{padding-left:0;}
.process-step:last-child{padding-right:0;}
.process-step:not(:last-child)::after{content:"";position:absolute;top:24px;right:0;width:40px;height:1px;background:var(--line);}
.step-num{font-family:'Fraunces',serif;font-size:15px;color:var(--gold-500);font-weight:700;border:1.5px solid var(--gold-500);width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.process-step h3{font-size:18.5px;margin-bottom:9px;}
.process-step p{font-size:14px;color:var(--ink-muted);}
@media (max-width:820px){.process-row{grid-template-columns:1fr;gap:38px;}.process-step{padding:0 !important;}.process-step:not(:last-child)::after{display:none;}}

/* Program cards */
.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:820px){.program-grid{grid-template-columns:1fr;}}
.program-card{background:var(--white);padding:34px 28px;}
.program-card .tag{font-size:12px;font-weight:700;color:var(--gold-500);margin-bottom:12px;display:block;}
.program-card h3{font-size:19px;margin-bottom:11px;}
.program-card p{font-size:14px;color:var(--ink-muted);}

/* Terms table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);background:var(--white);}
.terms-table{width:100%;border-collapse:collapse;min-width:520px;}
.terms-table th,.terms-table td{text-align:left;padding:15px 22px;font-size:14.5px;border-bottom:1px solid var(--line);}
.terms-table th{background:var(--navy-900);color:#fff;font-weight:600;font-size:12.5px;letter-spacing:.02em;}
.terms-table tr:nth-child(even) td{background:var(--paper-2);}
.terms-table td:first-child{font-weight:600;color:var(--navy-900);width:36%;}
.terms-table tr:last-child td{border-bottom:none;}

/* Founder / quote */
.founder-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center;}
.founder-card{background:var(--white);border:1px solid var(--line);padding:42px;}
.founder-name{font-size:15px;font-weight:700;color:var(--navy-900);margin-top:18px;}
.founder-title{font-size:13px;color:var(--ink-muted);margin-top:2px;}
.founder-quote{font-family:'Fraunces',serif;font-size:21px;color:var(--navy-900);line-height:1.42;}
.founder-body p{color:var(--ink-muted);font-size:15.5px;margin-top:16px;}
@media (max-width:820px){.founder-grid{grid-template-columns:1fr;}}

/* Location cards */
.location-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:720px){.location-grid{grid-template-columns:1fr;}}
.location-card{background:var(--white);padding:32px;}
.location-card .tag{font-size:12px;font-weight:700;color:var(--gold-500);margin-bottom:10px;display:block;}
.location-card h3{font-size:18.5px;margin-bottom:10px;}
.location-card address{font-style:normal;color:var(--ink-muted);font-size:14.5px;line-height:1.65;}

/* Related loan cards */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
@media (max-width:820px){.related-grid{grid-template-columns:1fr;}}
.related-card{background:var(--paper);padding:26px;}
.related-card h4{font-size:15.5px;margin-bottom:8px;}
.related-card p{font-size:13.5px;color:var(--ink-muted);margin-bottom:13px;}

/* CTA banner */
.cta-banner{background:linear-gradient(135deg,var(--navy-950),var(--navy-800));color:#fff;padding:68px 0;}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;}
.cta-inner h2{color:#fff;font-size:clamp(23px,3vw,30px);max-width:18ch;}
.cta-phone{font-family:'Fraunces',serif;font-size:24px;color:var(--gold-400);font-weight:600;}
.cta-phone small{display:block;font-family:'Public Sans',sans-serif;font-size:12px;color:#9fb0c4;font-weight:500;margin-bottom:4px;}
.cta-actions{display:flex;align-items:center;gap:26px;flex-wrap:wrap;}

/* Form */
.form-shell{background:var(--white);border:1px solid var(--line);padding:38px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
@media (max-width:600px){.form-row{grid-template-columns:1fr;}}
.field{display:flex;flex-direction:column;gap:6px;}
.field.full{grid-column:1/-1;}
.field label{font-size:12.5px;font-weight:600;color:var(--navy-900);}
.field input,.field select,.field textarea{border:1.5px solid var(--line);padding:12px 14px;font-size:14.5px;font-family:inherit;border-radius:var(--radius-s);background:var(--paper);color:var(--ink);width:100%;}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold-500);outline-offset:1px;border-color:var(--gold-500);}
.field textarea{resize:vertical;min-height:96px;}
.form-note{font-size:12.5px;color:var(--ink-muted);margin-top:16px;}
.form-success{display:none;background:var(--navy-900);color:#fff;padding:32px;text-align:center;border:1px solid var(--navy-800);}
.form-success.show{display:block;}
.form-success h3{color:#fff;font-size:19px;margin-bottom:9px;}
.form-success p{color:#c6d1e0;font-size:14px;}
.form-shell.hide{display:none;}

/* Footer */
footer{background:var(--navy-950);color:#93a3b8;padding:60px 0 26px;font-size:13.5px;}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-logo{margin-bottom:18px;}
.footer-logo img{width:200px;height:auto;}
.footer-col h4{font-family:'Public Sans',sans-serif;color:#fff;font-size:12.5px;font-weight:700;margin-bottom:15px;letter-spacing:.02em;}
.footer-col li{margin-bottom:10px;}
.footer-col a:hover{color:#fff;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:22px;flex-wrap:wrap;gap:10px;font-size:12px;}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;}}

@media (prefers-reduced-motion: reduce){*{transition:none !important;scroll-behavior:auto !important;}}

/* ---- Utilities (moved out of inline style attributes) ---- */
.u-gold{color:var(--gold-500) !important;}
.u-white{color:#fff !important;}
.u-light{color:#c6d1e0 !important;}
.u-fs-24{font-size:24px !important;}
.u-fs-26{font-size:26px !important;}
.u-fs-27{font-size:27px !important;}
.u-fs-155{font-size:15.5px !important;}
.u-fs-135{font-size:13.5px !important;}
.u-pt-0{padding-top:0 !important;}
.u-mb-14{margin-bottom:14px !important;}
.u-mb-22{margin-bottom:22px !important;}
.u-mb-26{margin-bottom:26px !important;}
.u-mb-32{margin-bottom:32px !important;}
.u-mw-620{max-width:620px !important;}
.kicker-block{display:block !important;margin-bottom:14px !important;}
.link-mt-16{display:inline-block !important;margin-top:16px !important;}
.link-mt-20{display:inline-block !important;margin-top:20px !important;}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;}
.lede-sm{color:var(--ink-muted) !important;font-size:14.5px !important;}
.form-title{font-size:22px !important;margin-bottom:6px !important;}
.step-num-sm{width:36px !important;height:36px !important;font-size:13px !important;}
.facts-card-static{position:static !important;margin-bottom:24px !important;}
.hp-field{position:absolute !important;left:-9999px !important;}
.card-outline{border:1px solid var(--line);margin-top:1px;padding:34px !important;}
.loc-card-top{border:1px solid var(--line);margin-bottom:1px;}
.loc-card-bottom{border:1px solid var(--line);border-top:none;}

/* ---- Founder headshot ---- */
.founder-photo{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 18%;margin-bottom:28px;border:1px solid var(--line);}
@media (max-width:820px){.founder-photo{max-width:340px;}}

/* ---- Funded deals ---- */
.deal-feature{display:grid;grid-template-columns:1.1fr .9fr;background:var(--navy-900);color:#fff;margin-bottom:1px;}
.deal-feature-copy{padding:48px 44px;}
.deal-feature-copy .deal-meta{color:var(--gold-400);}
.deal-feature-copy h3{color:#fff;font-size:clamp(24px,2.6vw,32px);margin:10px 0 16px;}
.deal-feature-copy p{color:#c6d1e0;font-size:16px;max-width:52ch;}
.deal-feature-stat{border-left:1px solid rgba(255,255,255,.14);padding:48px 44px;display:flex;flex-direction:column;justify-content:center;gap:28px;}
.deal-feature-stat div b{display:block;font-family:'Fraunces',serif;font-size:44px;line-height:1;color:var(--gold-400);font-weight:600;}
.deal-feature-stat div span{font-size:14px;color:#c6d1e0;}
.deal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
.deal-card{background:var(--white);padding:32px 28px;display:flex;flex-direction:column;}
.deal-meta{font-size:12px;font-weight:700;letter-spacing:.04em;color:var(--gold-500);text-transform:uppercase;}
.deal-place{font-size:13px;color:var(--ink-muted);margin-top:4px;}
.deal-card h3{font-size:19px;margin:14px 0 10px;}
.deal-card p{font-size:14px;color:var(--ink-muted);}
.deal-result{margin-top:auto;padding-top:18px;border-top:1px solid var(--line);font-size:14px;color:var(--ink-muted);}
.deal-result b{color:var(--navy-900);}
.deal-more{margin-top:28px;}
@media (max-width:920px){.deal-grid{grid-template-columns:1fr 1fr;}.deal-feature{grid-template-columns:1fr;}.deal-feature-stat{border-left:none;border-top:1px solid rgba(255,255,255,.14);flex-direction:row;flex-wrap:wrap;justify-content:flex-start;gap:40px;}}
@media (max-width:560px){.deal-grid{grid-template-columns:1fr;}.deal-feature-copy,.deal-feature-stat{padding:32px 24px;}}

nav a.navlink{white-space:nowrap;}
.kicker{font-size:13px;font-weight:700;color:var(--gold-500);}
.founder-photo{height:auto;}
.deal-card p{margin-bottom:22px;}

/* Phone header: keep logo, Apply button, and menu inside the screen */
@media (max-width:560px){
  .wrap{padding:0 20px;}
  .logo-text span{display:none;}
  .nav-cta{gap:10px;}
  .nav-cta .btn{padding:11px 16px;font-size:14px;}
  .terms-table{min-width:0;}
}

/* ---- Founder affiliations ---- */
.affiliations{margin-top:24px;padding-top:20px;border-top:1px solid var(--line);}
.affil-label{display:block;font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--gold-500);margin-bottom:10px;}
.affiliations ul{display:flex;flex-wrap:wrap;gap:10px;}
.affiliations li{font-size:14px;font-weight:600;color:var(--navy-900);background:var(--white);border:1px solid var(--line);padding:8px 14px;}

/* Equal-size deal cards */
.deal-grid{grid-template-columns:repeat(4,1fr);gap:16px;background:none;border:none;}
.deal-card{border:1px solid var(--line);}
@media (max-width:1080px){.deal-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:560px){.deal-grid{grid-template-columns:1fr;}}

.logo-mark{height:48px;width:auto;}
@media (max-width:560px){.logo-mark{height:38px;}}

/* Advisor scenarios */
.stall-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.stall-card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold-500);padding:28px 26px;}
.stall-card h3{font-size:19px;margin-bottom:10px;}
.stall-card p{font-size:14.5px;color:var(--ink-muted);}
@media (max-width:820px){.stall-grid{grid-template-columns:1fr;}}
.logo-text span{max-width:150px;line-height:1.3;}
nav.desktop-nav ul{gap:20px;}
.nav-cta{gap:16px;}

/* Loan-page hero illustration */
.page-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.page-hero-grid > div{min-width:0;}
.hero-illus img{width:100%;max-width:460px;height:auto;margin-left:auto;}
@media (max-width:920px){.page-hero-grid{grid-template-columns:1fr;gap:28px;}.hero-illus img{max-width:360px;margin:0;}}

/* Clickable contact details */
.cta-phone a{color:inherit;}
.hero-trust a{color:inherit;}
.form-success a,.process-step a,.faq-item a,.faq-more a,.prose a,.form-error a{color:var(--navy-800);text-decoration:underline;text-underline-offset:2px;}
.footer-bottom a{color:inherit;text-decoration:underline;text-underline-offset:2px;}

/* Inline form error */
.form-error{background:#fbeeea;border:1px solid #e3b5a6;color:#7a2e17;padding:14px 16px;font-size:14.5px;margin:4px 0 16px;}
.form-error a{color:#7a2e17;}

/* FAQ */
.faq-list{max-width:820px;border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item summary{cursor:pointer;list-style:none;padding:20px 40px 20px 0;font-family:'Fraunces',serif;font-weight:600;font-size:18px;color:var(--navy-900);position:relative;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";position:absolute;right:6px;top:16px;font-family:'Public Sans',sans-serif;font-size:24px;font-weight:400;color:var(--gold-500);}
.faq-item[open] summary::after{content:"\2212";}
.faq-item p{padding:0 40px 22px 0;color:var(--ink-muted);font-size:15.5px;max-width:68ch;}
.faq-more{margin-top:28px;color:var(--ink-muted);}

/* Legal pages */
.prose{max-width:760px;}
.prose h2{font-size:21px;margin:32px 0 10px;}
.prose p{color:var(--ink-muted);font-size:15.5px;margin-bottom:12px;max-width:68ch;}
.legal-date{font-size:13px !important;}

/* 404 */
.nf-links{display:flex;flex-wrap:wrap;gap:14px;}

.prose ul{list-style:disc;padding-left:22px;margin:4px 0 16px;color:var(--ink-muted);font-size:15.5px;max-width:68ch;}
.prose li{margin-bottom:6px;}

/* Apply card (Relip) */
.apply-card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold-500);padding:40px 36px;}
.apply-card .tag{font-size:12px;font-weight:700;color:var(--gold-500);display:block;margin-bottom:12px;}
.apply-card h2{font-size:28px;margin-bottom:12px;}
.apply-card p{color:var(--ink-muted);font-size:16px;max-width:52ch;margin-bottom:24px;}
.apply-card .apply-note{font-size:13.5px;margin:18px 0 0;}
.apply-card .apply-note a{color:var(--navy-800);text-decoration:underline;}

/* Loan page detail sections */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;}
.two-col > div{min-width:0;}
.two-col .check-list{margin-top:18px;}
.deal-grid-sm{grid-template-columns:repeat(2,1fr);max-width:820px;}
.faq-cta{margin-top:28px;}
@media (max-width:820px){.two-col{grid-template-columns:1fr;gap:36px;}}
@media (max-width:560px){.deal-grid-sm{grid-template-columns:1fr;}}
.deal-grid-sm .deal-place{margin-bottom:12px;}
.deal-more{display:inline-block;margin-top:24px;}

/* FAQ groups + rich answers */
.faq-group{font-size:22px;margin:8px 0 18px;}
.faq-list + .faq-group{margin-top:48px;}
.faq-a{padding:0 40px 22px 0;max-width:68ch;}
.faq-a p,.faq-a li{color:var(--ink-muted);font-size:15.5px;}
.faq-a p + p,.faq-a ul + p,.faq-a p + ul{margin-top:10px;}
.faq-a ul{list-style:disc;padding-left:22px;}
.faq-a li{margin-bottom:6px;}
.faq-a a{color:var(--navy-800);text-decoration:underline;text-underline-offset:2px;}
.faq-a p{padding:0;}

/* Accessible gold for text on light backgrounds */
.kicker,.section-head .kicker,.deal-meta,.program-card .tag,.location-card .tag,.apply-card .tag,.affil-label,.mobile-nav .mnav-label,.step-num,.u-gold,.faq-item summary::after{color:var(--gold-text) !important;}
.advantages .kicker,.advantages .section-head .kicker,.deal-feature-copy .deal-meta{color:var(--gold-400) !important;}
.deal-grid-3{grid-template-columns:repeat(3,1fr);}
@media (max-width:920px){.deal-grid-3{grid-template-columns:1fr;}}
.deal-more-row{display:flex;gap:28px;flex-wrap:wrap;margin-top:24px;}

/* Membership logos */
.members{border-top:1px solid var(--line);}
.member-logos{display:flex;flex-wrap:wrap;align-items:center;gap:20px;margin-top:6px;}
.member-logos li{background:#fff;border:1px solid var(--line);height:112px;padding:14px 28px;display:flex;align-items:center;justify-content:center;}
.member-logos img{max-height:80px;width:auto;}
.member-logos li{height:132px;padding:14px 26px;}
.member-logos img{max-height:84px;}
.member-logos img[src*="areaa"]{max-height:104px;}

/* Social links (footer) */
.social{display:flex;gap:12px;margin-top:20px;}
.social a{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border:1px solid rgba(255,255,255,.25);border-radius:50%;color:#fff;transition:background .15s ease,border-color .15s ease;}
.social a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-950);}
.social svg{width:19px;height:19px;}

.founder-li{display:inline-flex;align-items:center;gap:8px;margin-top:14px;font-size:13.5px;font-weight:600;color:var(--navy-800);}
.founder-li svg{width:16px;height:16px;color:#0a66c2;}
.founder-li:hover{text-decoration:underline;text-underline-offset:2px;}

/* Article */
.article{max-width:760px;}
.article-meta{font-size:13px !important;color:var(--ink-muted);margin-bottom:22px !important;}
.article .lede{font-size:18.5px !important;color:var(--ink) !important;line-height:1.6;}
.article h2{font-size:24px;margin:40px 0 12px;}
.article ul{margin:8px 0 18px;}
.article li{font-size:16px;}
.callout{background:var(--white);border:1px solid var(--line);border-left:4px solid var(--gold-500);padding:20px 24px;margin:28px 0;}
.callout p{margin:0 !important;color:var(--ink) !important;}
.compare-table td:first-child{width:28%;}
.compare-table td:nth-child(3){color:var(--navy-900);font-weight:600;}
.article .table-wrap{margin:8px 0 20px;}
.article-cta{background:var(--navy-900);padding:32px 30px;margin:44px 0 24px;}
.article-cta h2{color:#fff;margin:0 0 8px !important;}
.article-cta p{color:#c6d1e0 !important;}
.article-cta .btn-row{margin-top:18px;}
.article-cta .btn-outline-dark{border-color:#fff;color:#fff;}
.article-related{font-size:14.5px !important;}
/* Resources */
.post-list{display:grid;gap:16px;max-width:820px;}
.post-card{display:block;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold-500);padding:28px 30px;}
.post-card:hover{border-color:var(--gold-500);}
.post-meta{font-size:12.5px;color:var(--ink-muted);}
.post-card h3{font-size:22px;margin:8px 0 10px;}
.post-card p{color:var(--ink-muted);font-size:15px;margin-bottom:16px;}
.res-more{margin-top:56px;}

.inline-link{color:inherit;text-decoration:underline;text-decoration-color:var(--gold-500);text-underline-offset:3px;}
.page-hero h1{max-width:22ch;}
@media (max-width:560px){.compare-table th,.compare-table td{padding:12px 10px;font-size:13.5px;}}

.state-links{color:var(--ink-muted);font-size:15px;}
.callout-example{border-left-color:var(--navy-800);}
.article ol{list-style:decimal;padding-left:22px;margin:8px 0 18px;}
.article ol li{font-size:16px;color:var(--ink-muted);margin-bottom:6px;}

.footer-states a{text-decoration:underline;text-underline-offset:2px;}
.article-cta{color:#fff;}