:root {
  color-scheme: light dark;
  --bg: #f1f5ef;
  --surface: #ffffff;
  --surface-soft: #e7eee8;
  --text: #10231d;
  --muted: #5a6b64;
  --line: rgba(16, 35, 29, 0.14);
  --brand: #07513c;
  --brand-strong: #063d2f;
  --accent: #c59a31;
  --accent-soft: rgba(197, 154, 49, 0.16);
  --shadow: 0 24px 80px rgba(5, 45, 32, 0.14);
  --shadow-soft: 0 18px 55px rgba(5, 45, 32, 0.09);
  --radius: 18px;
  font-family:
    Avenir Next, Avenir, Montserrat, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, Segoe UI, sans-serif;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #091511;
    --surface: #10231d;
    --surface-soft: #152d25;
    --text: #edf5ef;
    --muted: #b7c5be;
    --line: rgba(237, 245, 239, 0.16);
    --brand: #7bd2ad;
    --brand-strong: #a4e2c7;
    --accent: #d8b557;
    --accent-soft: rgba(216, 181, 87, 0.16);
    --shadow: 0 24px 80px rgba(0, 0, 0, 0.32);
    --shadow-soft: 0 18px 55px rgba(0, 0, 0, 0.24);
  }
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background:
    radial-gradient(circle at 82% 18%, rgba(7, 81, 60, 0.1), transparent 28rem),
    radial-gradient(circle at top left, rgba(197, 154, 49, 0.13), transparent 34rem),
    linear-gradient(135deg, var(--bg), var(--surface-soft));
  color: var(--text);
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  opacity: 0.32;
  background-image:
    linear-gradient(rgba(16, 35, 29, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(16, 35, 29, 0.025) 1px, transparent 1px);
  background-size: 46px 46px;
  mask-image: linear-gradient(to bottom, black, transparent 76%);
}

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

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

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 20;
  transform: translateY(-140%);
  border-radius: 999px;
  background: var(--brand);
  color: #ffffff;
  padding: 10px 14px;
  font-weight: 760;
  transition: transform 180ms ease;
}

.skip-link:focus {
  transform: translateY(0);
  outline: 3px solid var(--accent-soft);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 5;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 24px;
  min-height: 72px;
  padding: 12px clamp(18px, 4vw, 56px);
  border-bottom: 1px solid var(--line);
  background: color-mix(in srgb, var(--bg) 86%, transparent);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  width: fit-content;
  font-weight: 760;
  letter-spacing: 0;
}

.brand-logo {
  width: clamp(128px, 16vw, 190px);
  height: 38px;
  object-fit: contain;
  object-position: left center;
  border-radius: 12px;
  mix-blend-mode: multiply;
}

@media (prefers-color-scheme: dark) {
  .brand-logo,
  .bento-logo {
    background: rgba(255, 255, 255, 0.92);
    box-shadow: 0 0 0 8px rgba(255, 255, 255, 0.92);
    mix-blend-mode: normal;
  }
}

.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(14px, 3vw, 34px);
  color: var(--muted);
  font-size: 0.95rem;
}

.nav-links a,
.footer-links a {
  transition: color 180ms ease;
}

.nav-links a[aria-current="page"] {
  color: var(--brand-strong);
  font-weight: 760;
}

.nav-links a:focus-visible,
.footer-links a:focus-visible,
.legal-pill:focus-visible,
.button:focus-visible,
.nav-cta:focus-visible,
.signup-form button:focus-visible {
  outline: 3px solid var(--accent-soft);
  outline-offset: 4px;
  border-radius: 999px;
}

.nav-links a:hover,
.footer-links a:hover {
  color: var(--brand-strong);
}

.header-actions {
  justify-self: end;
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-pill {
  display: inline-flex;
  min-height: 38px;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0 14px;
  color: var(--muted);
  font-weight: 760;
  transition:
    color 180ms ease,
    border-color 180ms ease,
    background 180ms ease;
}

.legal-pill:hover,
.legal-pill[aria-current="page"] {
  border-color: rgba(197, 154, 49, 0.36);
  background: var(--accent-soft);
  color: var(--brand-strong);
}

.mobile-faq-pill {
  display: none;
}

.mobile-privacy-pill {
  display: none;
}

.nav-cta {
  display: inline-flex;
  min-width: 86px;
  min-height: 42px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--brand);
  color: #ffffff;
  font-weight: 720;
  transition:
    transform 180ms ease,
    background 180ms ease;
}

.nav-cta:hover,
.button.primary:hover,
.signup-form button:hover {
  transform: translateY(-1px);
  background: var(--brand-strong);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(320px, 1.14fr);
  align-items: center;
  gap: clamp(28px, 5vw, 70px);
  min-height: calc(100dvh - 72px);
  padding: clamp(46px, 7vw, 88px) clamp(18px, 4vw, 56px) clamp(34px, 5vw, 68px);
}

.hero-copy {
  max-width: 640px;
}

.eyebrow {
  margin: 0 0 18px;
  color: var(--brand-strong);
  font-size: 0.78rem;
  font-weight: 780;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

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

h1 {
  margin-bottom: 22px;
  font-size: clamp(2.9rem, 6.2vw, 5.6rem);
  line-height: 0.98;
  letter-spacing: 0;
  text-wrap: balance;
}

.hero-subcopy {
  max-width: 520px;
  color: var(--muted);
  font-size: clamp(1.04rem, 1.7vw, 1.28rem);
  line-height: 1.55;
}

.hero-disclosures {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  width: min(100%, 620px);
  margin: 34px 0 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--line);
}

.hero-disclosures div {
  padding: 16px;
  background: color-mix(in srgb, var(--surface) 84%, transparent);
}

.hero-disclosures dt,
.calc-results span,
.requirement-grid span {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 760;
}

.hero-disclosures dd {
  margin: 6px 0 0;
  font-weight: 820;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button,
.signup-form button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0 24px;
  border: 1px solid transparent;
  font-weight: 760;
  white-space: nowrap;
  cursor: pointer;
}

.button.primary,
.signup-form button {
  background: var(--brand);
  color: #ffffff;
}

.button.secondary {
  border-color: var(--line);
  background: color-mix(in srgb, var(--surface) 78%, transparent);
  color: var(--text);
}

.button:active,
.nav-cta:active,
.signup-form button:active {
  transform: translateY(1px) scale(0.99);
}

.hero-media {
  position: relative;
}

.hero-media::before {
  content: "";
  position: absolute;
  inset: -18px 34px 34px -18px;
  z-index: -1;
  border-radius: calc(var(--radius) + 10px);
  background: linear-gradient(135deg, rgba(197, 154, 49, 0.24), rgba(7, 81, 60, 0.12));
}

.hero-media img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.trust-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  margin: 0 clamp(18px, 4vw, 56px);
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--line);
}

.trust-band div {
  padding: clamp(22px, 3vw, 34px);
  background:
    linear-gradient(180deg, color-mix(in srgb, var(--surface) 94%, transparent), color-mix(in srgb, var(--surface-soft) 74%, transparent)),
    color-mix(in srgb, var(--surface) 86%, transparent);
}

.trust-band strong,
.trust-band span {
  display: block;
}

.trust-band strong {
  margin-bottom: 10px;
  font-size: 1.05rem;
}

.trust-band span {
  color: var(--muted);
  line-height: 1.55;
}

.rates {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(320px, 1.12fr);
  gap: clamp(30px, 6vw, 78px);
  align-items: start;
}

.section-kicker {
  margin: 0 0 14px;
  color: var(--accent);
  font-weight: 860;
}

.rate-copy p {
  max-width: 62ch;
  color: var(--muted);
  line-height: 1.7;
}

.rate-note {
  display: grid;
  gap: 8px;
  max-width: 560px;
  margin-top: 28px;
  padding: 18px;
  border: 1px solid rgba(197, 154, 49, 0.34);
  border-radius: var(--radius);
  background: var(--accent-soft);
}

.rate-note span {
  color: var(--muted);
  line-height: 1.6;
}

.loan-calculator {
  display: grid;
  gap: 18px;
  padding: clamp(24px, 4vw, 42px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    radial-gradient(circle at top right, rgba(197, 154, 49, 0.14), transparent 18rem),
    color-mix(in srgb, var(--surface) 90%, transparent);
  box-shadow: var(--shadow-soft);
}

.calc-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 18px;
}

.calc-row label {
  font-weight: 820;
}

.calc-row output {
  color: var(--brand-strong);
  font-weight: 860;
  font-variant-numeric: tabular-nums;
}

.loan-calculator input[type="range"] {
  width: 100%;
  accent-color: var(--brand);
}

.calc-results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--line);
}

.calc-results div {
  display: grid;
  gap: 8px;
  min-height: 104px;
  padding: 18px;
  background: color-mix(in srgb, var(--surface) 88%, transparent);
}

.calc-results strong {
  font-size: clamp(1.25rem, 2.4vw, 2rem);
  font-variant-numeric: tabular-nums;
}

.section {
  padding: clamp(76px, 10vw, 132px) clamp(18px, 4vw, 56px);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(320px, 1.18fr);
  gap: clamp(30px, 6vw, 78px);
  align-items: start;
}

.section-copy {
  position: sticky;
  top: 104px;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(2.15rem, 4.5vw, 4.75rem);
  line-height: 1;
  letter-spacing: 0;
  text-wrap: balance;
}

.section-copy p,
.bento p,
.apply p,
.faq p,
.footer p,
.legal-page p,
.legal-page li {
  color: var(--muted);
  line-height: 1.7;
}

.steps {
  display: grid;
  gap: 16px;
}

.steps article,
.bento article,
details,
.apply-panel,
.legal-content {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: color-mix(in srgb, var(--surface) 88%, transparent);
  box-shadow: var(--shadow-soft);
}

.steps article {
  padding: clamp(22px, 3vw, 34px);
  transition:
    transform 220ms ease,
    border-color 220ms ease,
    box-shadow 220ms ease;
}

.steps article:hover,
details:hover,
.bento-card:hover {
  transform: translateY(-3px);
  border-color: rgba(197, 154, 49, 0.32);
  box-shadow: 0 20px 60px rgba(5, 45, 32, 0.12);
}

.steps span {
  display: block;
  margin-bottom: 16px;
  color: var(--accent);
  font-weight: 820;
}

.steps h3,
.bento h3 {
  margin-bottom: 10px;
  font-size: 1.35rem;
}

.requirements {
  padding-top: 0;
}

.requirement-panel,
.support-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, color-mix(in srgb, var(--surface) 94%, transparent), color-mix(in srgb, var(--surface-soft) 76%, transparent));
  box-shadow: var(--shadow-soft);
}

.requirement-panel {
  padding: clamp(28px, 5vw, 56px);
}

.requirement-panel h2 {
  max-width: 760px;
}

.requirement-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin-top: 30px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--line);
}

.requirement-grid article {
  padding: clamp(20px, 3vw, 30px);
  background: color-mix(in srgb, var(--surface) 88%, transparent);
}

.requirement-grid strong {
  display: block;
  margin: 12px 0 8px;
  font-size: 1.1rem;
}

.requirement-grid p {
  margin-bottom: 0;
  color: var(--muted);
  line-height: 1.65;
}

.bento {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  grid-auto-rows: minmax(190px, auto);
  gap: 16px;
}

.bento article {
  padding: clamp(24px, 4vw, 44px);
}

.bento article.bento-large {
  position: relative;
  overflow: hidden;
  grid-row: span 2;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 480px;
  background:
    radial-gradient(circle at 84% 12%, rgba(216, 181, 87, 0.34), transparent 18rem),
    linear-gradient(145deg, #06291f, #07513c 56%, #0d6a4f);
  color: #ffffff;
}

.bento article.bento-large::after {
  content: "";
  position: absolute;
  inset: auto -80px -120px auto;
  width: 360px;
  aspect-ratio: 1;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: radial-gradient(circle, rgba(255, 255, 255, 0.18), transparent 62%);
}

.bento article.bento-large .bento-logo {
  position: absolute;
  top: clamp(24px, 4vw, 42px);
  left: clamp(24px, 4vw, 42px);
  width: min(52vw, 250px);
  height: 58px;
  padding: 9px 12px;
  object-fit: contain;
  object-position: left center;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 12px 34px rgba(0, 0, 0, 0.16);
  mix-blend-mode: normal;
}

.bento article.bento-large h2,
.bento article.bento-large p {
  position: relative;
  z-index: 1;
}

.bento article.bento-large p {
  max-width: 620px;
  color: rgba(255, 255, 255, 0.82);
}

.bento-card.accent {
  background:
    linear-gradient(145deg, var(--accent-soft), transparent),
    color-mix(in srgb, var(--surface) 88%, transparent);
}

.safety {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(320px, 1.28fr);
  gap: clamp(30px, 6vw, 78px);
  align-items: start;
}

.safety-copy {
  position: sticky;
  top: 104px;
}

.safety-copy p:not(.section-kicker) {
  max-width: 58ch;
  color: var(--muted);
  line-height: 1.7;
}

.safety-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.safety-grid article {
  min-height: 220px;
  padding: clamp(22px, 3vw, 34px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: color-mix(in srgb, var(--surface) 88%, transparent);
  box-shadow: var(--shadow-soft);
}

.safety-grid h3 {
  margin-bottom: 12px;
}

.safety-grid p {
  color: var(--muted);
  line-height: 1.65;
}

.apply {
  padding-top: 0;
}

.apply-panel {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr minmax(300px, 520px);
  gap: clamp(28px, 5vw, 68px);
  align-items: center;
  padding: clamp(28px, 5vw, 56px);
  background:
    linear-gradient(135deg, rgba(197, 154, 49, 0.13), transparent 42%),
    color-mix(in srgb, var(--surface) 90%, transparent);
}

.apply-panel::after {
  content: "";
  position: absolute;
  right: -70px;
  top: -90px;
  width: 240px;
  aspect-ratio: 1;
  border-radius: 999px;
  background: radial-gradient(circle, var(--accent-soft), transparent 68%);
  pointer-events: none;
}

.apply-copy,
.signup-form {
  position: relative;
  z-index: 1;
}

.app-icon {
  width: 72px;
  height: 72px;
  margin-bottom: 22px;
  border-radius: 22px;
  box-shadow:
    0 18px 45px rgba(5, 45, 32, 0.16),
    inset 0 0 0 1px rgba(255, 255, 255, 0.72);
}

.signup-form {
  display: grid;
  gap: 10px;
}

.signup-form label {
  font-weight: 760;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 10px;
}

.signup-form input {
  min-height: 52px;
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0 18px;
  background: var(--surface);
  color: var(--text);
  font: inherit;
}

.signup-form input::placeholder {
  color: color-mix(in srgb, var(--muted) 78%, var(--text));
}

.signup-form input:focus {
  outline: 3px solid var(--accent-soft);
  border-color: var(--accent);
}

.signup-form input[aria-invalid="true"] {
  border-color: #b84c42;
}

.form-note {
  margin: 0;
  font-size: 0.88rem;
}

.support {
  padding-top: 0;
}

.support-card {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(320px, 1.14fr);
  gap: clamp(28px, 5vw, 64px);
  padding: clamp(28px, 5vw, 56px);
}

.support-card p {
  max-width: 62ch;
  color: var(--muted);
  line-height: 1.7;
}

.support-list {
  display: grid;
  gap: 12px;
}

.support-list article {
  display: grid;
  gap: 8px;
  padding: 18px;
  border-radius: 14px;
  background: color-mix(in srgb, var(--surface) 82%, transparent);
}

.support-list span {
  color: var(--muted);
  line-height: 1.55;
}

.faq {
  padding-top: 0;
}

.faq > h2 {
  max-width: 680px;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

details {
  padding: 24px;
}

summary {
  cursor: pointer;
  font-weight: 780;
  list-style-position: outside;
}

details p {
  margin: 14px 0 0;
}

.footer {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 28px;
  padding: 38px clamp(18px, 4vw, 56px);
  border-top: 1px solid var(--line);
}

.footer-brand {
  margin-bottom: 10px;
}

.footer p {
  margin-bottom: 0;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  align-items: start;
  justify-content: end;
  color: var(--muted);
}

.legal-page {
  padding: clamp(46px, 7vw, 88px) clamp(18px, 4vw, 56px) clamp(76px, 10vw, 128px);
}

.legal-hero {
  max-width: 880px;
  margin-bottom: 34px;
}

.legal-hero h1 {
  max-width: 760px;
  font-size: clamp(2.8rem, 7vw, 6.5rem);
}

.legal-note {
  display: inline-block;
  padding: 12px 16px;
  border-radius: 999px;
  background: var(--accent-soft);
}

.legal-content {
  max-width: 980px;
  padding: clamp(24px, 5vw, 58px);
}

.legal-content article + article {
  margin-top: 34px;
  padding-top: 34px;
  border-top: 1px solid var(--line);
}

.legal-content h2 {
  font-size: clamp(1.4rem, 2.6vw, 2rem);
  line-height: 1.16;
}

.legal-content a {
  color: var(--brand-strong);
  font-weight: 760;
}

.js .reveal {
  opacity: 1;
  transform: translateY(0);
  transition:
    opacity 700ms ease,
    transform 700ms ease;
}

.reveal,
.js .reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.001ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

@media (max-width: 920px) {
  .site-header {
    grid-template-columns: 1fr auto;
  }

  .nav-links {
    display: none;
  }

  .terms-link {
    display: none;
  }

  .mobile-faq-pill {
    display: inline-flex;
  }

  .mobile-privacy-pill {
    display: inline-flex;
  }

  .hero,
  .split,
  .rates,
  .safety,
  .apply-panel,
  .support-card,
  .footer {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .hero-media {
    order: -1;
  }

  .section-copy {
    position: static;
  }

  .trust-band,
  .requirement-grid,
  .faq-grid {
    grid-template-columns: 1fr;
  }

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

  .bento-large {
    min-height: 360px;
  }

  .footer-links {
    justify-content: start;
  }

  .safety-copy {
    position: static;
  }
}

@media (max-width: 560px) {
  .nav-cta {
    min-width: 78px;
  }

  .header-actions {
    gap: 8px;
  }

  .legal-pill {
    min-height: 36px;
    padding: 0 10px;
    font-size: 0.86rem;
  }

  .brand-logo {
    width: 112px;
  }

  h1 {
    font-size: clamp(2.55rem, 12.4vw, 3.55rem);
  }

  .hero-actions,
  .form-row {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-disclosures,
  .calc-results,
  .safety-grid {
    grid-template-columns: 1fr;
  }

  .button,
  .signup-form button {
    width: 100%;
  }

  .legal-note {
    border-radius: 14px;
  }
}