:root {
      --navy: #0d2033;
      --navy-2: #152f48;
      --blue: #2d6388;
      --blue-soft: #edf5fa;
      --gold: #c49a5a;
      --white: #ffffff;
      --cream: #f8f6f1;
      --text: #1d2a35;
      --muted: #687684;
      --border: #dce4ea;
      --shadow: 0 18px 55px rgba(13, 32, 51, 0.12);
      --radius: 22px;
      --max: 1180px;
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--text);
      background: var(--white);
      line-height: 1.6;
    }

    img {
      max-width: 100%;
      display: block;
    }

    a {
      color: inherit;
      text-decoration: none;
    }

    .container {
      width: min(calc(100% - 40px), var(--max));
      margin: 0 auto;
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      margin: 0 0 14px;
      font-size: 0.78rem;
      font-weight: 800;
      letter-spacing: 0.13em;
      text-transform: uppercase;
      color: var(--blue);
    }

    .eyebrow::before {
      content: "";
      width: 34px;
      height: 2px;
      background: var(--gold);
    }

    h1,
    h2,
    h3,
    p {
      margin-top: 0;
    }

    h1,
    h2,
    h3 {
      line-height: 1.12;
      color: var(--navy);
    }

    h1 {
      font-size: clamp(2.6rem, 6vw, 5.6rem);
      letter-spacing: -0.055em;
      margin-bottom: 24px;
    }

    h2 {
      font-size: clamp(2rem, 4vw, 3.7rem);
      letter-spacing: -0.04em;
      margin-bottom: 18px;
    }

    h3 {
      font-size: 1.2rem;
      margin-bottom: 10px;
    }

    p {
      color: var(--muted);
    }

    .button-row {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
      margin-top: 30px;
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 52px;
      padding: 0 22px;
      border-radius: 999px;
      border: 1px solid transparent;
      font-weight: 800;
      transition: 0.2s ease;
      cursor: pointer;
    }

    .btn-primary {
      color: var(--white);
      background: var(--navy);
    }

    .btn-primary:hover {
      transform: translateY(-2px);
      background: var(--navy-2);
    }

    .btn-secondary {
      color: var(--navy);
      background: transparent;
      border-color: rgba(13, 32, 51, 0.2);
    }

    .btn-secondary:hover {
      background: var(--blue-soft);
    }

    /* HEADER */
    .site-header {
      position: sticky;
      top: 0;
      z-index: 100;
      background: rgba(255, 255, 255, 0.94);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(13, 32, 51, 0.08);
    }

    .nav-wrap {
      min-height: 76px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
    }

    .brand {
      display: inline-flex;
      align-items: center;
      gap: 12px;
      font-weight: 900;
      color: var(--navy);
      letter-spacing: -0.03em;
      font-size: 1.25rem;
    }

    .brand-mark {
      width: 38px;
      height: 38px;
      border-radius: 50%;
      display: grid;
      place-items: center;
      background: var(--navy);
      color: var(--white);
      font-size: 0.88rem;
      letter-spacing: 0;
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 26px;
      font-size: 0.94rem;
      font-weight: 700;
    }

    .nav-links a:hover {
      color: var(--blue);
    }

    .nav-cta {
      padding: 10px 16px;
      border-radius: 999px;
      background: var(--navy);
      color: var(--white) !important;
    }

    .menu-btn {
      display: none;
      border: 0;
      background: transparent;
      font-size: 1.55rem;
      color: var(--navy);
      cursor: pointer;
    }

    /* HERO */
    .hero {
      position: relative;
      overflow: hidden;
      background:
        radial-gradient(circle at 82% 18%, rgba(45, 99, 136, 0.18), transparent 28%),
        linear-gradient(135deg, #f7f9fb 0%, #ffffff 60%, #f4efe5 100%);
    }

    .hero::after {
      content: "";
      position: absolute;
      right: -120px;
      bottom: -160px;
      width: 420px;
      height: 420px;
      border: 1px solid rgba(196, 154, 90, 0.24);
      border-radius: 50%;
    }

    .hero-grid {
      min-height: 700px;
      display: grid;
      grid-template-columns: 1.03fr 0.97fr;
      align-items: center;
      gap: 48px;
      padding: 72px 0 56px;
    }

    .hero-copy {
      position: relative;
      z-index: 2;
    }

    .hero-copy .lead {
      max-width: 690px;
      font-size: clamp(1.08rem, 2vw, 1.28rem);
      color: #536575;
    }

    .hero-points {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
      margin: 26px 0 0;
    }

    .hero-point {
      padding: 9px 13px;
      border-radius: 999px;
      background: rgba(255, 255, 255, 0.82);
      border: 1px solid var(--border);
      color: var(--navy);
      font-size: 0.88rem;
      font-weight: 800;
    }

    .portrait-wrap {
      align-self: end;
      position: relative;
      min-height: 610px;
      display: flex;
      align-items: flex-end;
      justify-content: center;
    }

    .portrait-glow {
      position: absolute;
      width: 440px;
      height: 440px;
      border-radius: 50%;
      background: linear-gradient(135deg, rgba(45, 99, 136, 0.18), rgba(196, 154, 90, 0.24));
      filter: blur(2px);
      bottom: 58px;
    }

    .portrait {
      position: relative;
      z-index: 2;
      max-height: 620px;
      object-fit: contain;
      filter: drop-shadow(0 28px 38px rgba(13, 32, 51, 0.17));
    }

    .mini-card {
      position: absolute;
      left: 10px;
      bottom: 54px;
      z-index: 3;
      width: min(270px, 70%);
      padding: 18px 20px;
      border-radius: 18px;
      background: rgba(255, 255, 255, 0.94);
      box-shadow: var(--shadow);
      border: 1px solid rgba(13, 32, 51, 0.08);
    }

    .mini-card strong {
      display: block;
      color: var(--navy);
      margin-bottom: 3px;
    }

    .mini-card span {
      color: var(--muted);
      font-size: 0.9rem;
    }

    /* TRUST STRIP */
    .trust-strip {
      background: var(--navy);
      color: var(--white);
    }

    .trust-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1px;
      background: rgba(255, 255, 255, 0.13);
    }

    .trust-item {
      padding: 22px 28px;
      background: var(--navy);
      text-align: center;
      font-size: 0.92rem;
      font-weight: 700;
      color: rgba(255, 255, 255, 0.84);
    }

    .trust-item strong {
      color: var(--white);
    }

    /* GENERAL SECTIONS */
    section {
      padding: 50px 0;
    }

    .section-head {
      max-width: 760px;
      margin-bottom: 42px;
    }

    .section-head p {
      font-size: 1.08rem;
    }

    /* LOAN CARDS */
    .loan-section {
      background: var(--white);
    }

    .loan-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 18px;
    }

    .loan-card {
      min-height: 285px;
      padding: 28px;
      border: 1px solid var(--border);
      border-radius: var(--radius);
      background: var(--white);
      transition: 0.22s ease;
    }

    .loan-card:hover {
      transform: translateY(-5px);
      box-shadow: var(--shadow);
      border-color: transparent;
    }

    .loan-icon {
      width: 48px;
      height: 48px;
      border-radius: 14px;
      display: grid;
      place-items: center;
      margin-bottom: 22px;
      background: var(--blue-soft);
      color: var(--blue);
      font-size: 1.25rem;
      font-weight: 900;
    }

    .loan-card p {
      font-size: 0.95rem;
    }

    .text-link {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      color: var(--blue);
      font-weight: 800;
      font-size: 0.92rem;
      margin-top: 8px;
    }

    /* PROCESS */
    .process-section {
      background: var(--cream);
    }

    .process-grid {
      display: grid;
      grid-template-columns: 0.85fr 1.15fr;
      gap: 70px;
      align-items: start;
    }

    .process-intro {
      position: sticky;
      top: 120px;
    }

    .process-list {
      display: grid;
      gap: 16px;
    }

    .process-item {
      display: grid;
      grid-template-columns: 62px 1fr;
      gap: 20px;
      padding: 24px;
      border-radius: 20px;
      background: var(--white);
      border: 1px solid rgba(13, 32, 51, 0.08);
    }

    .step {
      width: 52px;
      height: 52px;
      border-radius: 50%;
      display: grid;
      place-items: center;
      background: var(--navy);
      color: var(--white);
      font-weight: 900;
    }

    .process-item p {
      margin-bottom: 0;
    }

    /* ABOUT */
    .about-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 70px;
      align-items: center;
    }

    .about-visual {
      min-height: 430px;
      border-radius: 30px;
      background:
        linear-gradient(rgba(13, 32, 51, 0.72), rgba(13, 32, 51, 0.72)),
        linear-gradient(135deg, #386987, #10263a);
      color: var(--white);
      padding: 42px;
      display: flex;
      align-items: flex-end;
      overflow: hidden;
      position: relative;
    }

    .about-visual::before,
    .about-visual::after {
      content: "";
      position: absolute;
      border: 1px solid rgba(255, 255, 255, 0.18);
      border-radius: 50%;
    }

    .about-visual::before {
      width: 280px;
      height: 280px;
      right: -60px;
      top: -70px;
    }

    .about-visual::after {
      width: 180px;
      height: 180px;
      left: -50px;
      bottom: -50px;
    }

    .quote {
      position: relative;
      z-index: 2;
      max-width: 470px;
      font-size: clamp(1.5rem, 3vw, 2.35rem);
      line-height: 1.25;
      font-weight: 800;
      letter-spacing: -0.03em;
    }

    .about-copy ul {
      padding: 0;
      margin: 26px 0 0;
      list-style: none;
      display: grid;
      gap: 12px;
    }

    .about-copy li {
      position: relative;
      padding-left: 28px;
      color: #445665;
    }

    .about-copy li::before {
      content: "✓";
      position: absolute;
      left: 0;
      top: 0;
      color: var(--blue);
      font-weight: 900;
    }

    /* FAQ */
    .faq-section {
      background: #f7f9fb;
    }

    .faq-wrap {
      max-width: 860px;
    }

    .faq-item {
      border-bottom: 1px solid var(--border);
    }

    .faq-btn {
      width: 100%;
      padding: 24px 0;
      border: 0;
      background: none;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
      text-align: left;
      color: var(--navy);
      font: inherit;
      font-weight: 800;
      cursor: pointer;
    }

    .faq-plus {
      font-size: 1.45rem;
      transition: transform 0.2s ease;
    }

    .faq-answer {
      display: none;
      padding: 0 0 22px;
      max-width: 760px;
    }

    .faq-item.open .faq-answer {
      display: block;
    }

    .faq-item.open .faq-plus {
      transform: rotate(45deg);
    }

    /* CTA / CONTACT */
    .contact-section {
      padding: 0;
      background: var(--navy);
      color: var(--white);
    }

    .contact-grid {
      display: grid;
      grid-template-columns: 1fr 0.9fr;
      gap: 60px;
      align-items: center;
      padding: 90px 0;
    }

    .contact-section h2,
    .contact-section h3 {
      color: var(--white);
    }

    .contact-section p {
      color: rgba(255, 255, 255, 0.72);
    }

    .contact-card {
      padding: 34px;
      border-radius: 24px;
      background: rgba(255, 255, 255, 0.08);
      border: 1px solid rgba(255, 255, 255, 0.12);
    }

    .contact-line {
      display: flex;
      gap: 14px;
      align-items: flex-start;
      padding: 16px 0;
      border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    }

    .contact-line:last-child {
      border-bottom: 0;
    }

    .contact-label {
      min-width: 72px;
      color: rgba(255, 255, 255, 0.55);
      font-size: 0.82rem;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0.08em;
    }

    .contact-value {
      color: var(--white);
      font-weight: 800;
      word-break: break-word;
    }

    .contact-section .btn-primary {
      background: var(--white);
      color: var(--navy);
    }

    .contact-section .btn-primary:hover {
      background: #f0f3f5;
    }

    .contact-section .btn-secondary {
      color: var(--white);
      border-color: rgba(255, 255, 255, 0.28);
    }

    .contact-section .btn-secondary:hover {
      background: rgba(255, 255, 255, 0.09);
    }

    /* FOOTER */
    footer {
      padding: 28px 0 34px;
      background: #091724;
      color: rgba(255, 255, 255, 0.68);
      font-size: 0.82rem;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 1fr auto;
      gap: 30px;
      align-items: center;
    }

    .footer-grid p {
      margin: 0;
      color: rgba(255, 255, 255, 0.58);
    }

    /* TABLET */
    @media (max-width: 980px) {
      .nav-links {
        position: absolute;
        left: 20px;
        right: 20px;
        top: 68px;
        display: none;
        padding: 18px;
        border-radius: 18px;
        background: var(--white);
        box-shadow: var(--shadow);
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
      }

      .nav-links.open {
        display: flex;
      }

      .nav-links a {
        padding: 11px 12px;
        border-radius: 10px;
      }

      .nav-links a:hover {
        background: var(--blue-soft);
      }

      .nav-cta {
        text-align: center;
        margin-top: 4px;
      }

      .menu-btn {
        display: block;
      }

      .hero-grid,
      .process-grid,
      .about-grid,
      .contact-grid {
        grid-template-columns: 1fr;
      }

      .hero-grid {
        min-height: auto;
        padding-top: 70px;
      }

      .portrait-wrap {
        min-height: 520px;
      }

      .portrait {
        max-height: 540px;
      }

      .loan-grid {
        grid-template-columns: repeat(2, 1fr);
      }

      .process-intro {
        position: static;
      }

      .process-grid,
      .about-grid,
      .contact-grid {
        gap: 42px;
      }
    }

    /* MOBILE */
    @media (max-width: 640px) {
      .container {
        width: min(calc(100% - 28px), var(--max));
      }

      section {
        padding: 76px 0;
      }

      .nav-wrap {
        min-height: 68px;
      }

      .brand {
        font-size: 1.08rem;
      }

      .brand-mark {
        width: 34px;
        height: 34px;
      }

      h1 {
        font-size: clamp(2.45rem, 13vw, 3.8rem);
      }

      .hero-grid {
        gap: 18px;
        padding: 54px 0 0;
      }

      .hero-copy .lead {
        font-size: 1rem;
      }

      .button-row {
        display: grid;
      }

      .btn {
        width: 100%;
      }

      .portrait-wrap {
        min-height: 450px;
      }

      .portrait {
        max-height: 470px;
      }

      .portrait-glow {
        width: 330px;
        height: 330px;
      }

      .mini-card {
        left: 0;
        bottom: 26px;
        width: 230px;
        padding: 14px 16px;
      }

      .trust-grid {
        grid-template-columns: 1fr;
      }

      .trust-item {
        padding: 16px 18px;
      }

      .loan-grid {
        grid-template-columns: 1fr;
      }

      .loan-card {
        min-height: auto;
      }

      .process-item {
        grid-template-columns: 48px 1fr;
        padding: 20px;
      }

      .step {
        width: 44px;
        height: 44px;
      }

      .about-visual {
        min-height: 330px;
        padding: 30px;
      }

      .contact-grid {
        padding: 74px 0;
      }

      .contact-card {
        padding: 24px;
      }

      .contact-line {
        display: block;
      }

      .contact-label {
        display: block;
        margin-bottom: 4px;
      }

      .footer-grid {
        grid-template-columns: 1fr;
        gap: 10px;
      }
    }