:root {
  --primary: #0b1b3b;
  --primary-dark: #050d1f;
  --accent: #00a4b8;
  --light: #f5f7fb;
  --mid: #d0d4e0;
  --text: #1f2430;
  --white: #ffffff;
  --danger: #c0392b;
  --max-width: 1120px;
  --radius: 8px;
  --shadow-soft: 0 10px 30px rgba(0, 0, 0, 0.08);
  --transition: 0.25s ease;
  --font-main: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
  font-family: var(--font-main);
  color: var(--text);
  background: var(--light);
}

body {
  line-height: 1.6;
}

/* Layout */

.site-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Header / Nav */

.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--mid);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 0;
}

.brand {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.9rem;
  color: var(--primary);
}

.brand-subtitle {
  font-size: 0.75rem;
  color: #6b7280;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--primary);
  margin: 4px 0;
}

.nav {
  display: flex;
  gap: 1.25rem;
  align-items: center;
}

.nav a {
  text-decoration: none;
  font-size: 0.9rem;
  color: #4b5563;
  padding: 0.35rem 0;
  border-bottom: 2px solid transparent;
  transition: color var(--transition), border-color var(--transition);
}

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

.nav a.active {
  color: var(--primary);
  border-color: var(--accent);
}

/* Hero */

.hero {
  background: radial-gradient(circle at top left, #1f3b70 0, #050b18 55%, #020308 100%);
  color: var(--white);
  padding: 3.5rem 0 3rem;
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 3fr) minmax(0, 2.5fr);
  gap: 2.5rem;
  align-items: center;
}

.hero-kicker {
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 0.75rem;
  color: #9ca3af;
  margin-bottom: 0.75rem;
}

.hero-title {
  font-size: 2.2rem;
  line-height: 1.15;
  margin: 0 0 0.75rem;
}

.hero-highlight {
  color: var(--accent);
}

.hero-text {
  font-size: 0.98rem;
  color: #e5e7eb;
  max-width: 32rem;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 1.25rem 0 1.75rem;
}

.badge {
  font-size: 0.75rem;
  padding: 0.25rem 0.6rem;
  border-radius: 999px;
  border: 1px solid rgba(156, 163, 175, 0.6);
  color: #e5e7eb;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.65rem 1.3rem;
  border-radius: 999px;
  border: 1px solid transparent;
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  text-decoration: none;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.btn-primary {
  background: var(--accent);
  color: var(--white);
  box-shadow: 0 12px 30px rgba(0, 164, 184, 0.35);
}

.btn-primary:hover {
  background: #0190a1;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(156, 163, 175, 0.7);
}

.btn-outline:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: rgba(15, 23, 42, 0.7);
}

/* Hero side card */

.hero-card {
  background: rgba(15, 23, 42, 0.9);
  border-radius: 16px;
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(148, 163, 184, 0.4);
}

.hero-card-title {
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.hero-card-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  font-size: 0.85rem;
  color: #e5e7eb;
}

.hero-card-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.4rem;
  margin-bottom: 0.4rem;
}

.hero-card-list span {
  color: var(--accent);
  font-size: 1rem;
  line-height: 1.2;
}

.hero-card-footnote {
  font-size: 0.7rem;
  color: #9ca3af;
}

/* Sections */

.section {
  padding: 2.75rem 0;
}

.section-header {
  margin-bottom: 1.75rem;
}

.section-kicker {
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 0.75rem;
  color: #6b7280;
  margin-bottom: 0.4rem;
}

.section-title {
  font-size: 1.4rem;
  margin: 0 0 0.4rem;
}

.section-intro {
  font-size: 0.95rem;
  color: #4b5563;
  max-width: 36rem;
}

/* Cards */

.grid {
  display: grid;
  gap: 1.25rem;
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1.2rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid #e5e7eb;
}

.card-kicker {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: #9ca3af;
  margin-bottom: 0.3rem;
}

.card-title {
  font-size: 1rem;
  margin: 0 0 0.4rem;
}

.card-text {
  font-size: 0.9rem;
  color: #4b5563;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: 0.6rem;
  font-size: 0.85rem;
  color: var(--accent);
  text-decoration: none;
}

.card-link:hover {
  text-decoration: underline;
}

/* Split layout */

.split {
  display: grid;
  grid-template-columns: minmax(0, 3fr) minmax(0, 2.5fr);
  gap: 2rem;
  align-items: flex-start;
}

/* Lists */

.bullet-list {
  padding-left: 1.1rem;
  margin: 0.4rem 0 0.9rem;
  font-size: 0.9rem;
}

.bullet-list li {
  margin-bottom: 0.25rem;
}

/* Info blocks */

.info-block {
  font-size: 0.85rem;
  color: #4b5563;
  background: #e5e7eb;
  border-radius: 6px;
  padding: 0.75rem 0.8rem;
}

/* Forms */

.form {
  display: grid;
  gap: 0.9rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.label {
  font-size: 0.8rem;
  font-weight: 500;
  margin-bottom: 0.25rem;
}

.input,
.textarea,
.select {
  width: 100%;
  padding: 0.55rem 0.6rem;
  border-radius: 6px;
  border: 1px solid #d1d5db;
  font-size: 0.9rem;
  font-family: inherit;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.input:focus,
.textarea:focus,
.select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 1px rgba(0, 164, 184, 0.25);
}

.textarea {
  min-height: 120px;
  resize: vertical;
}

.form-footnote {
  font-size: 0.75rem;
  color: #6b7280;
}

/* Compliance / footer */

.compliance {
  background: #020617;
  color: #9ca3af;
  padding: 2rem 0 1.5rem;
  margin-top: auto;
}

.compliance-inner {
  display: grid;
  grid-template-columns: minmax(0, 2.5fr) minmax(0, 2fr);
  gap: 1.75rem;
  font-size: 0.75rem;
}

.compliance h4 {
  margin: 0 0 0.4rem;
  font-size: 0.8rem;
  color: #e5e7eb;
}

.compliance p {
  margin: 0 0 0.4rem;
}

.compliance strong {
  font-weight: 600;
}

.footer-meta {
  border-top: 1px solid #111827;
  margin-top: 1.25rem;
  padding-top: 0.9rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.75rem;
  font-size: 0.7rem;
  color: #6b7280;
}

/* Tables (for lender panel etc.) */

.table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}

.table th,
.table td {
  padding: 0.55rem 0.5rem;
  border-bottom: 1px solid #e5e7eb;
  text-align: left;
}

.table th {
  background: #f3f4f6;
  font-weight: 600;
}

/* Utilities */

.chip {
  display: inline-flex;
  align-items: center;
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
  font-size: 0.7rem;
  background: #e5f3f5;
  color: #036672;
}

.text-muted {
  color: #6b7280;
  font-size: 0.85rem;
}

/* Responsive */

@media (max-width: 900px) {
  .hero-inner,
  .split {
    grid-template-columns: minmax(0, 1fr);
  }

  .hero {
    padding-top: 2.5rem;
  }

  .hero-card {
    margin-top: 0.5rem;
  }

  .grid-3 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .header-inner {
    align-items: center;
  }

  .nav-toggle {
    display: block;
  }

  .nav {
    position: fixed;
    inset: 56px 0 auto 0;
    background: var(--white);
    border-bottom: 1px solid #e5e7eb;
    flex-direction: column;
    padding: 0.75rem 1.5rem 1rem;
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: transform var(--transition), opacity var(--transition);
  }

  .nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .grid-3,
  .grid-2 {
    grid-template-columns: minmax(0, 1fr);
  }

  .compliance-inner {
    grid-template-columns: minmax(0, 1fr);
  }
}