:root {
  --ink: #17211b;
  --muted: #607066;
  --green: #178b57;
  --green-dark: #0f5f3b;
  --lime: #dff4e8;
  --cream: #fffaf0;
  --gold: #d79527;
  --blue: #2e6ea6;
  --line: #dce7df;
  --white: #ffffff;
  --shadow: 0 18px 48px rgba(23, 33, 27, 0.1);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  color: var(--ink);
  background: #f8fbf9;
  line-height: 1.7;
}

a { color: inherit; }
img { display: block; max-width: 100%; height: auto; }

.skip-link {
  position: absolute;
  top: -4rem;
  left: 1rem;
  z-index: 30;
  padding: 0.7rem 1rem;
  background: var(--ink);
  color: var(--white);
  border-radius: 0.45rem;
}

.skip-link:focus { top: 1rem; }

.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.nav-shell {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 850;
  font-size: 1.1rem;
}

.brand span span { color: var(--green); }

.brand-mark {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: linear-gradient(135deg, var(--green), var(--blue));
  border-radius: 0.7rem;
  font-weight: 900;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.site-nav a,
.footer-grid a {
  color: var(--muted);
  text-decoration: none;
  font-weight: 750;
}

.site-nav a:hover,
.footer-grid a:hover { color: var(--green-dark); }

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.78fr);
  gap: 3rem;
  align-items: center;
  min-height: calc(100vh - 72px);
  padding: 4rem 0;
}

.eyebrow {
  margin: 0 0 0.8rem;
  color: var(--green-dark);
  font-weight: 850;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.82rem;
}

h1, h2, h3 { margin: 0; line-height: 1.12; letter-spacing: 0; }
h1 { font-size: clamp(2.45rem, 5vw, 5.3rem); max-width: 820px; }
h2 { font-size: clamp(1.8rem, 3vw, 3.1rem); }
h3 { font-size: 1.18rem; }

.lead {
  max-width: 760px;
  color: var(--muted);
  font-size: clamp(1.05rem, 1.4vw, 1.22rem);
  margin: 1.1rem 0 0;
}

.actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin-top: 1.4rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0.78rem 1.05rem;
  border-radius: 0.55rem;
  border: 1px solid transparent;
  color: var(--white);
  background: var(--green);
  text-decoration: none;
  font-weight: 850;
}

.btn:hover { background: var(--green-dark); }

.btn.secondary {
  color: var(--ink);
  background: var(--white);
  border-color: var(--line);
}

.hero-card,
.card,
.note,
.calculator,
.article-list a {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 0.85rem;
}

.hero-card {
  padding: 1rem;
  box-shadow: var(--shadow);
}

.hero-card img {
  border-radius: 0.65rem;
  border: 1px solid var(--line);
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.8rem;
  margin-top: 1rem;
}

.trust-strip span {
  padding: 0.75rem;
  background: var(--lime);
  border-radius: 0.55rem;
  color: var(--green-dark);
  font-weight: 800;
  font-size: 0.9rem;
}

.section { padding: 4.5rem 0; }
.band { background: var(--white); border-block: 1px solid var(--line); }

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 2rem;
  margin-bottom: 2rem;
}

.section-head p {
  max-width: 570px;
  margin: 0;
  color: var(--muted);
}

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

.two-col {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(0, 1fr);
  gap: 2rem;
  align-items: start;
}

.card {
  padding: 1.25rem;
  box-shadow: 0 10px 28px rgba(23, 33, 27, 0.05);
}

.card p,
.note p,
.article-body p,
.article-body li,
.calculator p,
.footer-grid p { color: var(--muted); }

.card a { color: var(--green-dark); font-weight: 850; }

.note {
  padding: 1.1rem;
  background: var(--cream);
}

.note strong { color: #774b0e; }

.table-wrap { overflow-x: auto; }

table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 0.85rem;
  overflow: hidden;
}

th, td {
  padding: 1rem;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

th { background: #eef7f2; }
tr:last-child td { border-bottom: 0; }

.article-body {
  max-width: 890px;
  padding: 3rem 0 4rem;
}

.section-page {
  padding: 3rem 0 4rem;
}

.section-page .container > h1 {
  font-size: clamp(2.2rem, 4.5vw, 4.8rem);
  max-width: 920px;
  margin-bottom: 1rem;
}

.section-page .container > p,
.section-page .content p,
.section-page .faq p,
.section-page li {
  color: var(--muted);
}

.section-page .content,
.section-page .faq,
.section-page .latest-blog {
  padding: 2rem 0;
}

.featured-lenders,
.blog-list,
.app-list {
  max-width: 900px;
  margin: 1rem auto;
}

.featured-lenders li,
.blog-list li,
.app-list li {
  margin: 0.7rem 0;
}

.review-summary {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
}

.summary-item {
  padding: 1rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 0.75rem;
}

.summary-item strong {
  display: block;
  color: var(--green-dark);
  margin-bottom: 0.35rem;
}

.content-note,
.cta-box {
  margin: 1.5rem 0;
  padding: 1.15rem;
  background: var(--cream);
  border: 1px solid #efd59e;
  border-radius: 0.75rem;
}

.qa h4 {
  margin: 1.25rem 0 0.35rem;
  font-size: 1.05rem;
}

.article-body h2 { margin-top: 2.2rem; font-size: clamp(1.45rem, 2.3vw, 2rem); }
.article-body h3 { margin-top: 1.5rem; }

.article-list {
  display: grid;
  gap: 0.85rem;
}

.article-list a {
  display: block;
  padding: 1rem;
  text-decoration: none;
}

.article-list strong { display: block; color: var(--ink); }
.article-list span { color: var(--muted); }

.calculator {
  padding: 1.2rem;
  box-shadow: var(--shadow);
}

.calculator label {
  display: block;
  margin: 0.85rem 0 0.25rem;
  font-weight: 800;
}

.calculator input {
  width: 100%;
  padding: 0.8rem;
  border: 1px solid var(--line);
  border-radius: 0.5rem;
  font: inherit;
}

.result {
  margin-top: 1rem;
  padding: 1rem;
  background: var(--lime);
  border-radius: 0.65rem;
  color: var(--green-dark);
  font-weight: 850;
}

.site-footer {
  padding: 3rem 0 1rem;
  color: var(--muted);
  background: #111b16;
}

.site-footer .brand,
.site-footer h2 { color: var(--white); }

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2rem;
}

.footer-grid h2 {
  font-size: 1rem;
  text-align: left;
  margin-bottom: 0.7rem;
}

.footer-grid a {
  display: block;
  margin: 0.35rem 0;
  color: #cad7d0;
}

.footer-bottom {
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 0.92rem;
}

@media (max-width: 900px) {
  .nav-shell { display: block; padding: 0.9rem 0; }
  .site-nav { margin-top: 0.8rem; }
  .hero,
  .two-col,
  .footer-grid { grid-template-columns: 1fr; }
  .hero { min-height: auto; }
  .grid,
  .trust-strip,
  .review-summary { grid-template-columns: 1fr; }
  .section-head { display: block; }
  .section-head p { margin-top: 0.8rem; }
}