:root {
  --bg: #ffffff;
  --panel: #ffffff;
  --muted: #f6f9ff;
  --text: #0f172a;
  --text-dim: #475569;
  --primary: #0b6bff;
  --primary-600: #0856cc;
  --accent: #00b3ff;
  --card: #ffffff;
  --stroke: #e2e8f0;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;
}

* {
  box-sizing: border-box;
}

html,
body {
  height: 100%;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto,
    Helvetica, Arial, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;
  color: var(--text);
  background: linear-gradient(180deg, #ffffff 0%, #f6f9ff 100%);
}

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--stroke);
  box-shadow: 0 2px 12px rgba(15, 23, 42, 0.04);
  transition: background 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  transition: padding 160ms ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 8px 30px rgba(15, 23, 42, 0.06);
}

.site-header.is-scrolled .header-inner {
  padding: 10px 0;
}

.brand {
  display: flex;
  gap: 8px;
  align-items: center;
}

.brand-mark {
  height: 28px;
  max-height: 28px;
  display: block;
  width: auto;
}

.logo {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: radial-gradient(120% 120% at 20% 0%, #dbeafe 0%, #bfdbfe 45%, #3b82f6 100%);
  color: var(--primary-600);
  font-weight: 800;
}

.brand-name {
  font-weight: 700;
  font-size: 16px;
}

.brand-tag {
  color: var(--text-dim);
  font-size: 11px;
  line-height: 1;
}

.nav {
  display: flex;
  gap: 16px;
  align-items: center;
}

.nav a {
  color: var(--text);
  text-decoration: none;
  opacity: 0.9;
  padding: 8px 12px;
  border-radius: 999px;
  font-weight: 500;
}

.nav a:hover {
  opacity: 1;
  background: var(--muted);
}

.hero {
  padding: 64px 0 24px;
  background: radial-gradient(80% 60% at 0% 0%, rgba(0, 179, 255, 0.08) 0%, rgba(0, 179, 255, 0) 100%),
    radial-gradient(70% 50% at 100% 0%, rgba(11, 107, 255, 0.10) 0%, rgba(11, 107, 255, 0) 100%);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
  align-items: center;
}

.hero-copy h1 {
  font-size: 42px;
  margin: 0 0 10px;
}

.hero-copy p {
  color: var(--text-dim);
  font-size: 18px;
  line-height: 1.6;
}

.hero-cta {
  margin-top: 18px;
  display: flex;
  gap: 12px;
}

.hero-card {
  border: 1px solid var(--stroke);
  border-radius: 16px;
  background: linear-gradient(180deg, #ffffff 0%, #f6f9ff 100%);
  padding: 18px;
  min-height: 240px;
  display: grid;
  align-content: end;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.stat {
  font-size: 28px;
  font-weight: 700;
}

.stat-label {
  color: var(--text-dim);
  font-size: 13px;
}

.section {
  padding: 56px 0;
}

.section-muted {
  background: var(--muted);
  border-top: 1px solid var(--stroke);
  border-bottom: 1px solid var(--stroke);
}

.lender-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: center;
  justify-content: flex-start;
  margin: 32px 0 0 0;
}

.lender-logos img {
  height: 48px;
  background: #fff;
  border-radius: 6px;
  padding: 6px 16px;
  box-shadow: 0 2px 8px 0 #0002;
}

.process-steps {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  margin-top: 32px;
}

.step {
  background: var(--panel);
  border-radius: 10px;
  padding: 24px 18px;
  min-width: 140px;
  text-align: center;
  box-shadow: 0 2px 8px 0 #0002;
}

.step-num {
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 1.1rem;
  color: var(--text-dim);
}

.testimonials {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  margin-top: 32px;
}

.testimonial {
  background: var(--panel);
  border-radius: 10px;
  padding: 24px 18px;
  flex: 1 1 250px;
  min-width: 220px;
  box-shadow: 0 2px 8px 0 #0002;
}

.testimonial-author {
  margin-top: 12px;
  color: var(--text-dim);
  font-size: 0.95rem;
}

.faq-list {
  margin-top: 32px;
}

.faq-item {
  margin-bottom: 24px;
}

.faq-q {
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 6px;
}

.faq-a {
  color: var(--text-dim);
  margin-left: 8px;
}

.learn-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  margin-top: 32px;
}

.learn-card {
  background: var(--panel);
  border-radius: 10px;
  padding: 24px 18px;
  flex: 1 1 250px;
  min-width: 220px;
  box-shadow: 0 2px 8px 0 #0002;
}

.learn-card h3 {
  margin-top: 0;
  color: var(--primary);
}

.learn-card ul {
  padding-left: 18px;
  margin: 12px 0 0 0;
}

.learn-card li {
  margin-bottom: 8px;
  color: var(--text-dim);
}

h2 {
  font-size: 28px;
  margin: 0 0 18px;
}

.grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.card {
  border: 1px solid var(--stroke);
  border-radius: 12px;
  background: var(--panel);
  padding: 18px;
}

.card h3 {
  margin: 0 0 8px;
  font-size: 18px;
}

.card p {
  margin: 0;
  color: var(--text-dim);
}

.about {
  max-width: 820px;
}

.ticks {
  margin: 12px 0;
  padding-left: 18px;
}

.ticks li {
  margin: 6px 0;
}

.abn {
  color: var(--text-dim);
  margin-top: 10px;
}

.form-card {
  border: 1px solid var(--stroke);
  border-radius: 12px;
  background: var(--panel);
  padding: 18px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-field {
  display: grid;
  gap: 8px;
}

.form-field label {
  color: var(--text-dim);
  font-size: 14px;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  color: var(--text);
  background: #ffffff;
  border: 1px solid var(--stroke);
  border-radius: 10px;
  padding: 12px 12px;
  outline: none;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 107, 255, 0.25);
}

.form-footer {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-top: 12px;
}

.form-status {
  color: var(--text-dim);
  min-height: 22px;
}

.privacy-note {
  color: var(--text-dim);
  font-size: 12px;
  margin-top: 10px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 16px;
  border-radius: 10px;
  text-decoration: none;
  border: 1px solid transparent;
}

.btn-small {
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 14px;
}

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

.btn-primary:hover {
  background: var(--primary-600);
}

.btn-outline {
  background: transparent;
  color: var(--text);
  border-color: var(--stroke);
}

.btn-outline:hover {
  border-color: var(--text);
}

.site-footer {
  border-top: 1px solid var(--stroke);
  padding: 24px 0;
  background: var(--muted);
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.smallprint {
  color: var(--text-dim);
  max-width: 720px;
  font-size: 12px;
}

@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 640px) {
  .nav {
    display: none;
  }

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

  .form-row {
    grid-template-columns: 1fr;
  }
}