:root{
  --bg:#0b1020;
  --bg2:#0f172a;
  --card:#0f172a;
  --text:#0b1220;
  --muted:#5b667a;
  --white:#ffffff;
  --line:#e7eaf0;

  /* New palette (not the original blue) */
  --primary:#7c3aed;       /* purple */
  --primary2:#14b8a6;      /* teal */
  --primary-dark:#5b21b6;

  --shadow: 0 18px 55px rgba(2,6,23,.14);
  --radius: 18px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Poppins,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:#0b1220;background:#f5f7fb}
a{color:inherit}
.container{width:min(1120px,92%);margin:0 auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:12px 18px;border-radius:999px;border:1px solid transparent;text-decoration:none;font-weight:600;cursor:pointer;transition:.2s}
.btn-primary{background:linear-gradient(90deg,var(--primary),var(--primary2));color:#fff;box-shadow:0 14px 30px rgba(124,58,237,.25)}
.btn-primary:hover{transform:translateY(-1px)}
.btn-ghost{background:transparent;border-color:rgba(15,23,42,.18);color:#0b1220}
.btn-ghost:hover{border-color:rgba(15,23,42,.32)}
.btn-block{width:100%}

.site-header{position:sticky;top:0;z-index:50;background:rgba(9,12,24,.86);backdrop-filter: blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-container{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand-logo-circle{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#0b1020;background:linear-gradient(135deg,var(--primary2),#f59e0b)}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-weight:700}
.brand-sub{font-size:12px;opacity:.85}

.main-nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:18px;color:#fff}
.main-nav a{text-decoration:none;opacity:.92}
.main-nav a:hover{opacity:1}
.nav-call{opacity:.9;font-size:14px}
.nav-cta{white-space:nowrap}

.nav-toggle{display:none;background:transparent;border:0;padding:10px;cursor:pointer}
.nav-toggle span{display:block;width:22px;height:2px;background:#fff;margin:5px 0;border-radius:2px;opacity:.9}
.nav-cta-mobile{display:none}

.hero{position:relative;overflow:hidden}
.hero-image{
  min-height:560px;
  display:flex;
  align-items:center;
  background:
    linear-gradient(90deg, rgba(9,12,24,.86), rgba(9,12,24,.42) 65%, rgba(9,12,24,.18)),
    url("https://images.unsplash.com/photo-1556761175-4b46a572b786?auto=format&fit=crop&w=1600&q=70");
  background-size:cover;
  background-position:center;
}
.hero-content-wrap{padding:86px 0}
.hero-copy{max-width:620px;color:#fff}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:14px}
.hero-badge{font-size:12px;padding:7px 12px;border-radius:999px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.06)}
.hero h1{font-size:52px;line-height:1.05;margin:0 0 12px}
.accent{background:linear-gradient(90deg,var(--primary2),var(--primary));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-subtitle{font-size:18px;opacity:.92;margin:0 0 16px;max-width:520px}
.hero-bullets{margin:0 0 18px;padding-left:18px;opacity:.95}
.hero-bullets li{margin:6px 0}
.hero-cta-row{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.hero-note-small{font-size:12px;opacity:.85}

.section{padding:66px 0}
.apply-section{padding-top:54px}
.apply-grid{display:grid;grid-template-columns: 1.05fr .95fr;gap:26px;align-items:start}
.apply-form-card,.apply-info-card{
  background:#fff;border:1px solid rgba(2,6,23,.06);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px
}
.apply-form-card h2{margin:0 0 8px;font-size:28px}
.section-subtitle{margin:0 0 18px;color:var(--muted)}
.loan-form{display:flex;flex-direction:column;gap:14px}
.form-group{display:flex;flex-direction:column;gap:6px}
.form-group label{font-size:13px;color:#334155}
input,select{
  width:100%;padding:12px 12px;border-radius:12px;border:1px solid rgba(15,23,42,.14);background:#fff;outline:none
}
input:focus,select:focus{border-color:rgba(124,58,237,.55);box-shadow:0 0 0 4px rgba(124,58,237,.12)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.half{min-width:0}

.checkbox-group{border:1px dashed rgba(15,23,42,.18);border-radius:14px;padding:12px;background:rgba(2,6,23,.02)}
.checkbox-label{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#334155;line-height:1.35}
.checkbox-label input{margin-top:3px;width:18px;height:18px}

.hp-wrap{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}

.apply-info-card{background:linear-gradient(180deg,#0b1020,#070a14);color:#fff;border:1px solid rgba(255,255,255,.08)}
.apply-info-card h3{margin:0 0 10px;font-size:22px}
.apply-info-sub{margin:0 0 18px;opacity:.9}
.info-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px}
.info-list li strong{display:block;margin-bottom:3px}
.info-list li span{opacity:.9}
.estimate-box{
  margin-top:22px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  border-radius:16px;padding:18px
}
.estimate-box h4{margin:0 0 8px}
.tiny-note{opacity:.78;font-size:12px;margin:10px 0 0}

.alt{background:#fff;border-top:1px solid rgba(2,6,23,.06);border-bottom:1px solid rgba(2,6,23,.06)}
.three-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.three-steps h3{margin:0 0 8px}
.three-steps p{margin:0;color:var(--muted)}

.site-footer{background:#070a14;color:#e5e7eb;padding:54px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns: 1.3fr 1fr 1fr;gap:26px;align-items:start}
.footer-brand .brand-logo-circle{width:38px;height:38px}
.footer-text{color:#cbd5e1;max-width:520px}
.site-footer h4{margin:0 0 10px}
.footer-links a{text-decoration:none;opacity:.9}
.footer-links a:hover{opacity:1}
.footer-small{color:#cbd5e1;opacity:.88;font-size:13px;line-height:1.35}
.footer-bottom{margin-top:34px;border-top:1px solid rgba(255,255,255,.08);padding:16px 0;color:#94a3b8;text-align:center;font-size:13px}

.page{padding:54px 0}
.page-hero{
  background:#fff;border:1px solid rgba(2,6,23,.06);border-radius:var(--radius);box-shadow:var(--shadow);
  padding:26px;margin-bottom:22px
}
.page-hero h1{margin:0 0 8px;font-size:40px}
.page-hero p{margin:0 0 14px;color:var(--muted)}
.page-hero-actions{display:flex;gap:12px;flex-wrap:wrap}

.content-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.content-block{
  background:#fff;border:1px solid rgba(2,6,23,.06);border-radius:var(--radius);box-shadow:var(--shadow);
  padding:22px
}
.content-block h2{margin:0 0 10px}
.bullet-list{margin:0;padding-left:18px;color:var(--muted)}
.bullet-list li{margin:6px 0}

.legal{background:#fff;border:1px solid rgba(2,6,23,.06);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.legal h1{margin-top:0}
.legal h2{margin-top:18px}
.legal p{color:var(--muted);line-height:1.6}
.legal-updated{font-size:13px}

@media (max-width: 980px){
  .apply-grid{grid-template-columns:1fr}
  .hero h1{font-size:44px}
  .content-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
}

@media (max-width: 780px){
  .main-nav{position:fixed;inset:64px 0 auto 0;background:rgba(9,12,24,.98);padding:16px 0;transform:translateY(-120%);transition:.25s;border-bottom:1px solid rgba(255,255,255,.08)}
  .main-nav ul{flex-direction:column;align-items:flex-start;gap:12px;width:min(1120px,92%);margin:0 auto}
  .nav-toggle{display:block}
  .nav-cta{display:none}
  .nav-cta-mobile{display:block;width:100%}
  body.nav-open .main-nav{transform:translateY(0)}
  .hero-content-wrap{padding:74px 0}
  .hero h1{font-size:38px}
  .three-steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
}