:root {
  --navy: #0b2d59;
  --navy-2: #123d70;
  --ink: #1a2744;
  --muted: #667085;
  --line: #dfe6ef;
  --soft: #f5f8fc;
  --gold: #f5a623;
  --gold-2: #ffd166;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(11, 45, 89, 0.18);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  letter-spacing: 0;
}

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

button,
input {
  font: inherit;
}

.page-shell {
  min-height: 100vh;
  overflow: hidden;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px clamp(18px, 5vw, 72px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(11, 45, 89, 0.1);
  backdrop-filter: blur(18px);
}

.brand-mark {
  display: inline-grid;
  gap: 0;
  line-height: 0.92;
  text-transform: uppercase;
}

.brand-line {
  display: block;
  letter-spacing: 0;
  white-space: nowrap;
}

.brand-line-top {
  color: var(--gold);
  font-size: clamp(1.05rem, 2vw, 1.45rem);
  font-weight: 800;
}

.brand-line-bottom {
  color: var(--navy);
  font-size: clamp(0.82rem, 1.6vw, 1.04rem);
  font-weight: 700;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: clamp(14px, 2.4vw, 32px);
  color: var(--navy);
  font-size: 0.94rem;
  font-weight: 650;
}

.phone-link {
  border: 1px solid rgba(11, 45, 89, 0.2);
  border-radius: 999px;
  padding: 10px 16px;
}

.hero-section {
  position: relative;
  min-height: calc(100vh - 77px);
  padding: clamp(44px, 7vw, 88px) clamp(18px, 5vw, 72px) clamp(52px, 7vw, 84px);
  background: var(--navy);
  color: var(--white);
}

.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero-bg::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(110deg, rgba(11, 45, 89, 0.95) 0%, rgba(11, 45, 89, 0.88) 48%, rgba(18, 61, 112, 0.76) 100%),
    url("data:image/svg+xml,%3Csvg width='1600' height='900' viewBox='0 0 1600 900' xmlns='http://www.w3.org/2000/svg'%3E%3Crect width='1600' height='900' fill='%230b2d59'/%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='.13' stroke-width='2'%3E%3Cpath d='M0 690 C180 620 300 710 470 640 C660 560 790 580 950 500 C1130 410 1300 430 1600 330'/%3E%3Cpath d='M0 770 C210 720 320 760 520 700 C730 638 850 660 1040 570 C1210 490 1390 500 1600 440'/%3E%3Cpath d='M180 0 V900 M420 0 V900 M660 0 V900 M900 0 V900 M1140 0 V900 M1380 0 V900'/%3E%3Cpath d='M0 160 H1600 M0 330 H1600 M0 500 H1600 M0 670 H1600'/%3E%3C/g%3E%3Cg fill='%23f5a623' fill-opacity='.85'%3E%3Ccircle cx='470' cy='640' r='7'/%3E%3Ccircle cx='950' cy='500' r='7'/%3E%3Ccircle cx='1300' cy='430' r='7'/%3E%3C/g%3E%3C/svg%3E");
  background-size: cover;
  background-position: center;
}

.market-lines {
  position: absolute;
  right: 0;
  bottom: 0;
  width: min(58vw, 780px);
  height: 62%;
  background:
    linear-gradient(180deg, transparent 0%, rgba(245, 166, 35, 0.2) 100%),
    repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.08) 0 1px, transparent 1px 68px);
  clip-path: polygon(12% 28%, 32% 45%, 48% 34%, 64% 52%, 82% 24%, 100% 39%, 100% 100%, 0 100%, 0 42%);
  opacity: 0.8;
}

.market-panel {
  position: absolute;
  display: grid;
  gap: 4px;
  width: 190px;
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  box-shadow: 0 18px 48px rgba(0, 0, 0, 0.16);
  backdrop-filter: blur(16px);
}

.market-panel span,
.market-panel small {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.78rem;
}

.market-panel strong {
  color: var(--gold-2);
  font-size: 2rem;
}

.panel-one {
  right: clamp(18px, 7vw, 120px);
  top: 20%;
}

.panel-two {
  right: clamp(34px, 15vw, 270px);
  bottom: 12%;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(360px, 0.82fr);
  align-items: center;
  gap: clamp(28px, 6vw, 72px);
  max-width: 1220px;
  margin: 0 auto;
}

.hero-copy {
  max-width: 690px;
}

.eyebrow,
.section-kicker {
  margin: 0 0 14px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
}

.hero-copy h1,
.section-heading h2,
.loan-types-copy h2,
.final-cta h2 {
  margin: 0;
  letter-spacing: 0;
}

.hero-copy h1 {
  max-width: 680px;
  font-size: clamp(3rem, 6.2vw, 5.75rem);
  line-height: 0.96;
  font-weight: 800;
}

.hero-copy h1 span {
  color: var(--gold-2);
}

.hero-lede {
  max-width: 610px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: clamp(1.04rem, 1.7vw, 1.26rem);
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
}

.primary-button,
.secondary-button,
.submit-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  border: 0;
  border-radius: 8px;
  padding: 14px 20px;
  cursor: pointer;
  font-weight: 800;
}

.primary-button,
.submit-button {
  background: var(--gold);
  color: #221704;
  box-shadow: 0 16px 36px rgba(245, 166, 35, 0.27);
}

.secondary-button {
  border: 1px solid rgba(255, 255, 255, 0.24);
  color: var(--white);
  background: rgba(255, 255, 255, 0.08);
}

.proof-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 36px 0 0;
  padding: 0;
  max-width: 620px;
}

.proof-strip div {
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.proof-strip dt {
  color: var(--gold-2);
  font-size: clamp(1.45rem, 3vw, 2.2rem);
  font-weight: 800;
}

.proof-strip dd {
  margin: 5px 0 0;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.88rem;
}

.loan-card {
  position: relative;
  min-height: 548px;
  padding: clamp(22px, 3.2vw, 34px);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
  color: var(--ink);
  box-shadow: var(--shadow);
}

.quiz-topline,
.quiz-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 700;
}

.quiz-topline strong {
  color: var(--navy);
}

.progress-track {
  height: 6px;
  margin: 12px 0 30px;
  overflow: hidden;
  border-radius: 99px;
  background: #e8edf4;
}

.progress-bar {
  width: 25%;
  height: 100%;
  border-radius: inherit;
  background: var(--gold);
  transition: width 260ms ease;
}

.quiz-step {
  display: none;
}

.quiz-step.is-active {
  display: block;
}

.quiz-step h2,
.quiz-done h2 {
  margin: 0 0 22px;
  color: var(--ink);
  font-size: clamp(1.45rem, 3vw, 2.1rem);
  line-height: 1.18;
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.option-grid button {
  min-height: 60px;
  border: 1px solid rgba(11, 45, 89, 0.14);
  border-radius: 8px;
  padding: 13px 15px;
  background: var(--navy);
  color: var(--white);
  cursor: pointer;
  font-weight: 750;
  line-height: 1.2;
  transition: transform 160ms ease, background 160ms ease, border-color 160ms ease;
}

.option-grid button:hover,
.option-grid button:focus-visible {
  border-color: var(--gold);
  background: var(--navy-2);
  transform: translateY(-1px);
}

label {
  display: grid;
  gap: 8px;
  margin-bottom: 14px;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 750;
}

input {
  width: 100%;
  min-height: 50px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px 14px;
  color: var(--ink);
  background: var(--white);
}

input:focus {
  outline: 3px solid rgba(245, 166, 35, 0.26);
  border-color: var(--gold);
}

.submit-button {
  width: 100%;
  margin-top: 6px;
}

.quiz-footer {
  position: absolute;
  right: clamp(22px, 3.2vw, 34px);
  bottom: 24px;
  left: clamp(22px, 3.2vw, 34px);
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

.back-button {
  border: 0;
  background: transparent;
  color: var(--navy);
  cursor: pointer;
  font-weight: 800;
}

.back-button:disabled {
  color: #a9b3c1;
  cursor: not-allowed;
}

.quiz-done {
  padding-top: 20px;
}

.quiz-done p:not(.section-kicker) {
  color: var(--muted);
  line-height: 1.6;
}

.lender-strip {
  display: grid;
  gap: 20px;
  padding: 30px clamp(18px, 5vw, 72px);
  background: var(--soft);
  text-align: center;
}

.lender-strip p {
  margin: 0;
  color: var(--muted);
  font-weight: 700;
}

.lender-strip div {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
}

.lender-strip span,
.loan-types-list span {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px 18px;
  background: var(--white);
  color: var(--navy);
  font-weight: 800;
}

.benefits-section,
.loan-types,
.testimonials-section,
.final-cta,
.site-footer {
  padding-right: clamp(18px, 5vw, 72px);
  padding-left: clamp(18px, 5vw, 72px);
}

.benefits-section {
  padding-top: clamp(58px, 8vw, 96px);
  padding-bottom: clamp(58px, 8vw, 96px);
  background: var(--white);
}

.section-heading {
  max-width: 720px;
  margin: 0 auto 34px;
  text-align: center;
}

.section-heading h2,
.loan-types-copy h2,
.final-cta h2 {
  color: var(--ink);
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1.04;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  max-width: 1180px;
  margin: 0 auto;
}

.benefits-grid article,
.testimonials-grid article {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.benefits-grid article {
  padding: 24px;
}

.benefit-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 8px;
  background: rgba(245, 166, 35, 0.16);
  color: var(--navy);
  font-weight: 800;
}

.benefits-grid h3 {
  margin: 22px 0 10px;
  color: var(--navy);
  font-size: 1.15rem;
}

.benefits-grid p,
.loan-types-copy p,
.testimonials-grid p,
.site-footer p {
  color: var(--muted);
  line-height: 1.65;
}

.loan-types {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  align-items: center;
  gap: clamp(30px, 6vw, 80px);
  padding-top: clamp(54px, 7vw, 82px);
  padding-bottom: clamp(54px, 7vw, 82px);
  background: var(--soft);
}

.loan-types-copy {
  max-width: 520px;
}

.loan-types-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.testimonials-section {
  padding-top: clamp(58px, 8vw, 96px);
  padding-bottom: clamp(58px, 8vw, 96px);
  background: var(--navy);
}

.section-heading-light h2 {
  color: var(--white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  max-width: 1180px;
  margin: 0 auto;
}

.testimonials-grid article {
  padding: 24px;
  background: rgba(255, 255, 255, 0.96);
}

.stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 0;
}

.testimonials-grid strong,
.testimonials-grid span {
  display: block;
}

.testimonials-grid strong {
  color: var(--navy);
}

.testimonials-grid span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.9rem;
}

.final-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 26px;
  padding-top: clamp(48px, 7vw, 80px);
  padding-bottom: clamp(48px, 7vw, 80px);
  background: var(--white);
}

.final-cta h2 {
  max-width: 780px;
}

.site-footer {
  display: grid;
  gap: 18px;
  padding-top: 36px;
  padding-bottom: 36px;
  border-top: 1px solid var(--line);
  background: #f9fbfd;
}

.footer-brand {
  width: fit-content;
}

.site-footer p {
  max-width: 820px;
  margin: 0;
  font-size: 0.92rem;
}

.site-footer small {
  color: var(--muted);
}

@media (max-width: 980px) {
  .hero-inner,
  .loan-types,
  .benefits-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .hero-inner {
    align-items: start;
  }

  .loan-card {
    max-width: 640px;
    width: 100%;
  }

  .benefits-grid,
  .testimonials-grid {
    max-width: 720px;
  }

  .panel-one,
  .panel-two {
    display: none;
  }
}

@media (max-width: 720px) {
  .site-header {
    align-items: flex-start;
  }

  .header-actions a:not(.phone-link) {
    display: none;
  }

  .phone-link {
    padding: 9px 12px;
    font-size: 0.86rem;
  }

  .hero-section {
    min-height: auto;
  }

  .hero-copy h1 {
    font-size: clamp(2.55rem, 13vw, 4.1rem);
  }

  .proof-strip,
  .option-grid,
  .loan-types-list {
    grid-template-columns: 1fr;
  }

  .loan-card {
    min-height: 680px;
  }

  .quiz-footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .final-cta {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}