:root{
  --ink:#0e223d;--ink-2:#1b3558;--teal:#0ea5a3;--sky:#e9f7f7;--sand:#f6f4ef;--gold:#d6a95f;
  --text:#24364b;--muted:#6c7a89;--line:#dce6ee;--white:#ffffff;--shadow:0 18px 50px rgba(14,34,61,.09);--radius:22px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:linear-gradient(180deg,#fbfdff 0%,#f7fafc 100%);line-height:1.65}
a{color:var(--ink-2);text-decoration:none}a:hover{color:var(--teal)}
.topbar{background:var(--ink);color:#fff;font-size:.95rem;z-index:1032}.topbar a{color:#fff;font-weight:700}
.navbar{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid rgba(220,230,238,.9);z-index:1031}
.navbar-brand{font-weight:800;letter-spacing:-.02em;color:var(--ink)!important}.nav-link{font-weight:600;color:var(--ink)!important;margin:0 .15rem}.nav-link:hover,.nav-link.active{color:var(--teal)!important}
.btn-call{background:var(--teal);color:#fff;border:none;border-radius:999px;padding:.85rem 1.25rem;font-weight:700;box-shadow:0 12px 30px rgba(14,165,163,.24)}
.btn-call:hover{background:#0c8d8c;color:#fff}.hero{position:relative;padding:5.5rem 0 4.5rem;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at top right,rgba(14,165,163,.16),transparent 28%),radial-gradient(circle at left center,rgba(214,169,95,.16),transparent 24%)}
.eyebrow{display:inline-flex;align-items:center;gap:.55rem;background:#eef7f8;color:var(--teal);border:1px solid rgba(14,165,163,.16);border-radius:999px;padding:.45rem .8rem;font-weight:700;font-size:.88rem}
.display-title{font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.05;letter-spacing:-.03em;color:var(--ink);font-weight:800;margin:.9rem 0 1rem}
.lead-copy{font-size:1.1rem;color:var(--muted);max-width:58rem}.hero-card{background:linear-gradient(180deg,#ffffff 0%,#fbfeff 100%);border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);padding:1.35rem}
.hero-panel{background:linear-gradient(180deg,#103052 0%,#0f2640 100%);color:#fff;border-radius:28px;padding:1.6rem;min-height:100%}.hero-panel .stat{border-top:1px solid rgba(255,255,255,.12);padding-top:1rem;margin-top:1rem}
.section{padding:4.6rem 0}.section-title{font-size:clamp(1.75rem,3vw,2.7rem);line-height:1.15;letter-spacing:-.02em;font-weight:800;color:var(--ink);margin-bottom:1rem}.section-intro{color:var(--muted);max-width:48rem}
.grid-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;height:100%;box-shadow:0 10px 28px rgba(24,47,75,.05);transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
.grid-card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(24,47,75,.08);border-color:#bfd6e4}.icon-chip{width:54px;height:54px;border-radius:16px;display:inline-flex;align-items:center;justify-content:center;background:#ecf9f8;color:var(--teal);font-size:1.3rem;margin-bottom:1rem}
.split-band{background:linear-gradient(90deg,var(--sand),#fff);border:1px solid var(--line);border-radius:26px;padding:1.6rem}.list-check{list-style:none;padding:0;margin:0}
.list-check li{padding:.45rem 0 .45rem 1.8rem;position:relative}.list-check li:before{content:"\f058";font-family:"Font Awesome 6 Free";font-weight:900;color:var(--teal);position:absolute;left:0;top:.5rem}
.feature-number{font-size:2rem;font-weight:800;color:var(--gold);line-height:1}.cta-strip{background:linear-gradient(135deg,#0e223d 0%,#143961 65%,#0ea5a3 100%);color:#fff;border-radius:32px;padding:2rem;box-shadow:var(--shadow)}
.page-hero{padding:3.3rem 0 2.4rem;background:radial-gradient(circle at right top,rgba(14,165,163,.12),transparent 26%),linear-gradient(180deg,#ffffff 0%,#f8fbfd 100%);border-bottom:1px solid var(--line)}
.breadcrumb a{color:var(--muted)}.content-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:1.8rem;box-shadow:0 10px 28px rgba(24,47,75,.05)}
.content-card h2,.content-card h3{color:var(--ink);font-weight:800;letter-spacing:-.02em}.info-rail{background:#f8fcfd;border:1px solid var(--line);border-radius:22px;padding:1.35rem}
.footer{background:#0d1d31;color:rgba(255,255,255,.82);padding:4rem 0 1.4rem}.footer h5{color:#fff;font-weight:800;margin-bottom:1rem}.footer a{color:rgba(255,255,255,.82)}.footer a:hover{color:#fff}
.footer .bottom-line{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.3rem;font-size:.95rem}.kicker{letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--teal);font-size:.8rem}
.callout{background:#f6fbfc;border-left:4px solid var(--teal);border-radius:16px;padding:1rem 1.1rem}
@media (max-width:991.98px){.navbar .btn-call{margin-top:.8rem;display:inline-flex}.hero{padding:4.4rem 0 3.5rem}}

/* Apply Now shared CTA styles */
.navbar-nav .btn-primary[href*="lendingpad.com"],
.nav-links a.apply-now,
.links a.apply-now {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-accent-dark: var(--green-dark, var(--secondary, var(--ink, #0f4d41)));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border-radius: 8px;
  background: var(--apply-accent);
  border: 1px solid var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-nav .btn-primary[href*="lendingpad.com"]:hover,
.navbar-nav .btn-primary[href*="lendingpad.com"]:focus,
.nav-links a.apply-now:hover,
.nav-links a.apply-now:focus,
.links a.apply-now:hover,
.links a.apply-now:focus {
  background: var(--apply-accent-dark);
  border-color: var(--apply-accent-dark);
  color: #fff;
}
.apply-now-strip {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-panel: var(--ink, var(--primary, #172126));
  padding: clamp(28px, 5vw, 56px) 0;
  background: transparent;
}
.apply-now-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: clamp(24px, 4vw, 36px);
  border-radius: 8px;
  background: var(--apply-panel);
  color: #fff;
  box-shadow: 0 18px 42px rgba(15, 23, 42, .14);
}
.apply-now-strip span {
  color: #fff;
  font-size: clamp(1.25rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.12;
}
.apply-now-page-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 8px;
  background: var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.apply-now-page-button:hover,
.apply-now-page-button:focus {
  filter: brightness(.92);
  color: #fff;
}
@media (max-width: 640px) {
  .navbar-nav .btn-primary[href*="lendingpad.com"],
  .nav-links a.apply-now,
  .links a.apply-now {
    width: 100%;
    margin-top: 6px;
  }
  .apply-now-strip .container {
    display: grid;
    gap: 16px;
    text-align: left;
  }
  .apply-now-page-button {
    width: 100%;
  }
}