:root {
  --navy: #0b2341;
  --navy-2: #153a63;
  --ink: #142235;
  --muted: #607084;
  --cream: #f7f8fa;
  --line: #dfe5eb;
  --white: #ffffff;
  --gold: #d7a84d;
  --shadow: 0 18px 50px rgba(11, 35, 65, 0.09);
  --radius: 22px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; }
img { display: block; max-width: 100%; }

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 16px;
  color: var(--navy-2);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--navy); line-height: 1.08; letter-spacing: -.035em; }
h1 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(3rem, 6.5vw, 5.8rem); font-weight: 500; }
h2 { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.1rem, 4vw, 3.5rem); font-weight: 500; }
h3 { font-size: 1.15rem; }
.lead { max-width: 700px; color: var(--muted); font-size: clamp(1.06rem, 2vw, 1.25rem); }
.section { padding: 108px 0; }
.section-soft { background: var(--cream); }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 52px; }
.section-head h2 { max-width: 650px; margin-bottom: 0; }
.section-head p { max-width: 470px; margin-bottom: 4px; color: var(--muted); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid rgba(11,35,65,.08);
  backdrop-filter: blur(14px);
}
.nav { height: 82px; display: flex; align-items: center; justify-content: flex-end; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy); font-weight: 800; letter-spacing: -.025em; }
.brand-logo { width: 42px; height: 42px; object-fit: contain; }
.brand-mark { position: relative; width: 38px; height: 38px; border-radius: 50% 50% 46% 54%; background: var(--navy); box-shadow: inset 0 0 0 1px rgba(255,255,255,.16); }
.brand-mark::before { content: "S"; position: absolute; inset: 0; display: grid; place-items: center; color: white; font-family: Georgia, serif; font-size: 1.35rem; }
.brand-mark::after { content: ""; position: absolute; right: 2px; bottom: 3px; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); border: 2px solid white; }
.brand-name { font-size: 1.12rem; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { color: #425268; font-size: .92rem; font-weight: 650; }
.nav-links a:hover, .nav-links a.active { color: var(--navy); }
.nav-apply { padding: 11px 19px; color: white !important; background: var(--navy); border-radius: 999px; }
.menu-toggle { display: none; width: 44px; height: 44px; padding: 10px; border: 0; border-radius: 12px; background: var(--cream); color: var(--navy); cursor: pointer; }
.menu-toggle span { display: block; width: 22px; height: 2px; margin: 5px 0; background: currentColor; transition: .2s; }

/* Buttons */
.actions { display: flex; flex-wrap: wrap; gap: 13px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 25px;
  border: 1px solid var(--navy);
  border-radius: 999px;
  color: white;
  background: var(--navy);
  font-weight: 750;
  cursor: pointer;
  transition: transform .2s, box-shadow .2s, background .2s;
}
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 24px rgba(11,35,65,.18); background: var(--navy-2); }
.button-outline { color: var(--navy); background: transparent; }
.button-outline:hover { color: white; }
.button-light { color: var(--navy); background: white; border-color: white; }
.button-light:hover { color: white; border-color: var(--navy-2); }
.button-outline-light { color: white; background: transparent; border-color: rgba(255,255,255,.55); }

/* Home hero */
.hero { position: relative; overflow: hidden; padding: 95px 0 105px; background: linear-gradient(115deg, #f8fafc 0 58%, #eef2f6 58%); }
.hero::before { content: ""; position: absolute; top: -200px; right: -120px; width: 650px; height: 650px; border: 1px solid rgba(11,35,65,.1); border-radius: 50%; }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.15fr .85fr; gap: 70px; align-items: center; }
.hero h1 { max-width: 760px; margin-bottom: 24px; }
.hero .lead { margin-bottom: 34px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 45px; color: var(--muted); font-size: .86rem; font-weight: 650; }
.hero-trust span { display: flex; align-items: center; gap: 7px; }
.hero-trust span::before { content: "✓"; display: grid; place-items: center; width: 20px; height: 20px; color: white; background: var(--navy); border-radius: 50%; font-size: .68rem; }
.hero-card { position: relative; min-height: 475px; padding: 44px; overflow: hidden; border-radius: 32px; color: white; background: var(--navy); box-shadow: 0 30px 70px rgba(11,35,65,.22); }
.hero-card::before { content: ""; position: absolute; top: -125px; right: -120px; width: 370px; height: 370px; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; box-shadow: 0 0 0 45px rgba(255,255,255,.025), 0 0 0 90px rgba(255,255,255,.02); }
.home-line { position: relative; width: 100%; height: 210px; margin: 36px 0 15px; }
.home-line .roof { position: absolute; left: 10%; top: 45px; width: 77%; height: 77%; border-top: 3px solid rgba(255,255,255,.9); border-left: 3px solid rgba(255,255,255,.9); transform: rotate(45deg); }
.home-line .base { position: absolute; left: 22%; bottom: 0; width: 58%; height: 112px; border: 3px solid rgba(255,255,255,.9); border-top: 0; }
.home-line .door { position: absolute; left: 45%; bottom: 0; width: 45px; height: 72px; border: 3px solid var(--gold); border-bottom: 0; }
.hero-card-copy { position: relative; max-width: 300px; margin-top: auto; }
.hero-card-copy small { color: #b7c5d5; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.hero-card-copy p { margin: 8px 0 0; font-family: Georgia, serif; font-size: 1.4rem; line-height: 1.3; }

/* Simplified home */
.simple-hero { min-height: calc(100vh - 82px); display: grid; padding: 0 0 42px; overflow: hidden; background: linear-gradient(180deg, white 0%, #fbfcfd 100%); text-align: center; }
.simple-hero-inner { min-height: calc(100vh - 124px); display: flex; flex-direction: column; justify-content: flex-start; align-items: center; }
.hero-logo-window { width: min(820px, 94vw); aspect-ratio: 1.45 / 1; margin: 0 auto -26px; overflow: hidden; flex: 0 0 auto; }
.hero-logo-window img { width: 100%; height: auto; display: block; transform: translateY(-30%); }
.simple-hero h1 { max-width: none; margin: 0; padding: 18px 0; color: var(--navy); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; font-size: clamp(.82rem, 3.6vw, 3.75rem); font-weight: 800; line-height: 1; letter-spacing: -.045em; white-space: nowrap; background: transparent; }
.scroll-cue { display: inline-flex; flex-direction: column; align-items: center; gap: 8px; margin-top: 48px; color: var(--muted); font-size: .72rem; font-weight: 750; letter-spacing: .12em; text-transform: uppercase; }
.scroll-cue::after { content: "↓"; color: var(--navy); font-size: 1.25rem; animation: cue 1.8s ease-in-out infinite; }
@keyframes cue { 50% { transform: translateY(6px); } }

.review-intro { max-width: 660px; margin-bottom: 46px; }
.review-actions { display: flex; justify-content: center; margin-top: 38px; }
.add-review-panel { max-width: 760px; margin: 0 auto 70px; padding: 42px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
.add-review-panel[hidden] { display: none; }
.add-review-panel h2 { font-size: 2rem; }
.rating-row { display: flex; flex-wrap: wrap; gap: 13px; }
.rating-row label { display: inline-flex; align-items: center; gap: 5px; color: var(--gold); cursor: pointer; }
.rating-row input { accent-color: var(--navy); }
.review-submit-note { display: none; margin: 14px 0 0; color: #236345; font-size: .9rem; }

/* Cards / grids */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: process; }
.process-card { counter-increment: process; padding: 30px 26px; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
.process-card::before { content: "0" counter(process); display: block; margin-bottom: 48px; color: var(--gold); font-size: .78rem; font-weight: 800; letter-spacing: .12em; }
.process-card h3 { margin-bottom: 10px; }
.process-card p, .loan-card p, .value-card p, .team-card p { margin: 0; color: var(--muted); font-size: .93rem; }
.loan-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; }
.loan-card { grid-column: span 2; min-height: 235px; padding: 30px; border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
.loan-card:nth-child(4) { grid-column: 2 / span 2; }
.loan-icon { display: grid; place-items: center; width: 48px; height: 48px; margin-bottom: 42px; border-radius: 14px; color: var(--navy); background: #eef3f8; font-size: 1.25rem; font-weight: 800; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review-card { padding: 32px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 10px 35px rgba(11,35,65,.055); }
.stars { margin-bottom: 20px; color: var(--gold); letter-spacing: .12em; }
.review-card blockquote { margin: 0 0 26px; color: #34475e; font-size: 1.02rem; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; color: white; background: var(--navy); font-size: .8rem; font-weight: 800; }
.reviewer strong { display: block; color: var(--navy); font-size: .92rem; }
.reviewer span { color: var(--muted); font-size: .78rem; }

/* CTA */
.cta { position: relative; overflow: hidden; padding: 76px; border-radius: 30px; color: white; background: var(--navy); }
.cta::after { content: ""; position: absolute; right: -110px; top: -150px; width: 410px; height: 410px; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; }
.cta-inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta h2 { margin-bottom: 12px; color: white; }
.cta p { max-width: 620px; margin-bottom: 0; color: #bcc9d7; }

/* Interior pages */
.page-hero { padding: 95px 0 78px; text-align: center; background: linear-gradient(180deg, #f7f9fb, white); }
.page-hero h1 { margin-bottom: 20px; font-size: clamp(3rem, 6vw, 5rem); }
.page-hero .lead { margin-inline: auto; }
.page-hero .eyebrow::before { display: none; }
.apply-panel { max-width: 800px; margin: 0 auto; padding: 70px; border: 1px solid var(--line); border-radius: 30px; text-align: center; background: white; box-shadow: var(--shadow); }
.apply-panel h2 { margin-bottom: 18px; }
.apply-panel p { max-width: 570px; margin: 0 auto 32px; color: var(--muted); }
.apply-panel .button { min-width: 230px; min-height: 58px; }
.support-line { margin-top: 30px !important; margin-bottom: 0 !important; padding-top: 28px; border-top: 1px solid var(--line); font-size: .92rem; }
.support-line a { color: var(--navy); font-weight: 750; text-decoration: underline; text-underline-offset: 3px; }
.reviews-page .review-card { min-height: 295px; display: flex; flex-direction: column; }
.reviews-page blockquote { flex: 1; }
.schedule-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 30px; align-items: start; }
.calendar-placeholder { min-height: 520px; padding: 55px; display: grid; place-items: center; text-align: center; border: 1px dashed #9faebe; border-radius: var(--radius); background: var(--cream); }
.calendar-icon { width: 72px; height: 72px; margin: 0 auto 24px; padding: 18px; border-radius: 20px; color: white; background: var(--navy); }
.calendar-icon::before { content: ""; display: block; height: 12px; margin-bottom: 8px; border-bottom: 3px solid white; }
.calendar-icon::after { content: "•••"; letter-spacing: 6px; }
.calendar-placeholder p { max-width: 330px; margin: 0; color: var(--muted); }
.form-card { padding: 40px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
.form-card h2 { margin-bottom: 9px; font-size: 2rem; }
.form-card > p { margin-bottom: 28px; color: var(--muted); }
.field { margin-bottom: 19px; }
.field label { display: block; margin-bottom: 7px; color: var(--navy); font-size: .86rem; font-weight: 750; }
.field input, .field textarea, .field select { width: 100%; padding: 13px 15px; border: 1px solid #ccd5df; border-radius: 11px; color: var(--ink); background: #fff; outline: none; }
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--navy-2); box-shadow: 0 0 0 3px rgba(21,58,99,.1); }
.field textarea { min-height: 115px; resize: vertical; }
.form-card .button { width: 100%; border-radius: 11px; }
.form-note { display: none; margin: 14px 0 0 !important; color: #236345 !important; font-size: .9rem; }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.value-card { padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); }
.value-number { display: grid; place-items: center; width: 42px; height: 42px; margin-bottom: 35px; border-radius: 50%; color: white; background: var(--navy); font-size: .8rem; font-weight: 800; }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.team-card { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 12px 40px rgba(11,35,65,.06); }
.headshot { position: relative; height: 300px; overflow: hidden; background: #e8edf2; }
.headshot img { width: 100%; height: 100%; object-fit: cover; object-position: center 28%; transition: transform .45s ease; }
.team-card:hover .headshot img { transform: scale(1.025); }
.headshot-max img { object-position: center 32%; }
.headshot-jackson img { object-position: center 24%; }
.headshot-lucy img { object-position: center 24%; transform: scale(1.32); }
.team-card:hover .headshot-lucy img { transform: scale(1.35); }
.team-copy { padding: 25px; }
.team-copy h3 { margin-bottom: 4px; }
.role { display: block; margin-bottom: 16px; color: var(--navy-2); font-size: .8rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; }

/* Footer */
.site-footer { padding: 70px 0 30px; color: #b9c5d2; background: #071a31; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .9fr; gap: 70px; margin-bottom: 55px; }
.site-footer .brand { margin-bottom: 20px; color: white; }
.site-footer .brand-logo { width: 52px; height: 52px; padding: 5px; border-radius: 12px; background: white; filter: none; object-fit: contain; }
.footer-about { max-width: 380px; color: #92a3b5; font-size: .9rem; }
.site-footer h3 { margin-bottom: 20px; color: white; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-links { display: grid; gap: 9px; }
.footer-links a, .contact-list span { color: #9fb0c1; font-size: .9rem; }
.footer-links a:hover { color: white; }
.contact-list { display: grid; gap: 9px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; padding-top: 25px; border-top: 1px solid rgba(255,255,255,.12); color: #72869b; font-size: .75rem; }

@media (max-width: 900px) {
  .section { padding: 82px 0; }
  .menu-toggle { display: block; }
  .nav-links { position: absolute; left: 20px; right: 20px; top: 72px; display: none; align-items: stretch; padding: 18px; gap: 4px; border: 1px solid var(--line); border-radius: 16px; background: white; box-shadow: var(--shadow); }
  .nav-links.open { display: grid; }
  .nav-links a { padding: 11px 12px; }
  .nav-apply { margin-top: 5px; text-align: center; }
  .hero { padding: 72px 0; background: linear-gradient(180deg, #f8fafc, #eef2f6); }
  .simple-hero { min-height: calc(100vh - 72px); }
  .hero-grid, .schedule-grid { grid-template-columns: 1fr; }
  .hero-card { min-height: 400px; }
  .process-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-card { grid-column: span 3; }
  .loan-card:nth-child(4) { grid-column: span 3; }
  .loan-card:nth-child(5) { grid-column: 2 / span 4; }
  .reviews-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
  .cta { padding: 55px 40px; }
  .cta-inner { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1.2fr 1fr; }
  .footer-grid > :last-child { grid-column: 1 / -1; }
}

@media (max-width: 620px) {
  .container { width: min(calc(100% - 30px), var(--max)); }
  .nav { height: 72px; }
  .brand-mark { width: 34px; height: 34px; }
  .brand-logo { width: 38px; height: 38px; }
  .section { padding: 68px 0; }
  .section-head { align-items: flex-start; flex-direction: column; margin-bottom: 36px; }
  h1 { font-size: 3.15rem; }
  .hero { padding: 58px 0 65px; }
  .simple-hero { padding: 0 0 30px; }
  .simple-hero-inner { min-height: calc(100vh - 102px); }
  .hero-logo-window { width: min(560px, 100%); aspect-ratio: 1.35 / 1; margin: 0 auto -12px; }
  .hero-logo-window img { width: 100%; max-width: 100%; margin: 0; transform: translateY(-26%); }
  .simple-hero h1 { padding: 14px 0; font-size: clamp(.82rem, 3.6vw, 1.35rem); letter-spacing: -.035em; }
  .hero-grid { gap: 48px; }
  .hero-card { min-height: 355px; padding: 28px; border-radius: 24px; }
  .home-line { height: 175px; margin-top: 20px; }
  .hero-trust { gap: 12px 20px; }
  .actions .button { width: 100%; }
  .process-grid, .values-grid, .reviews-grid, .team-grid, .loan-grid { grid-template-columns: 1fr; }
  .loan-card, .loan-card:nth-child(4), .loan-card:nth-child(5) { grid-column: auto; }
  .process-card::before { margin-bottom: 28px; }
  .cta { padding: 42px 25px; border-radius: 24px; }
  .cta .actions { width: 100%; }
  .page-hero { padding: 68px 0 55px; }
  .apply-panel { padding: 42px 22px; }
  .add-review-panel { padding: 30px 22px; }
  .calendar-placeholder { min-height: 400px; padding: 30px; }
  .form-card { padding: 28px 22px; }
  .footer-grid { grid-template-columns: 1fr; gap: 38px; }
  .footer-grid > :last-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}