:root{--navy:#163a63;--blue:#1f5fa5;--light-blue:#eaf3fb;--green:#2f7d32;--gold:#d8a73c;--text:#1d2733;--muted:#5f6b7a;--white:#fff;--border:#dce5ee;--bg:#f7f9fc;--shadow:0 8px 22px rgba(15,35,58,.08);--radius:18px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.container{width:min(94%,var(--max));margin:0 auto}
.section{padding:64px 0}.section.alt{background:var(--white);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.eyebrow{display:inline-block;background:#eef5ff;color:var(--blue);font-weight:700;font-size:.92rem;padding:8px 14px;border-radius:999px;margin-bottom:16px}
h1,h2,h3{margin-top:0;line-height:1.2}h1{font-size:clamp(2rem,4vw,3.2rem);margin-bottom:16px}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:14px;color:var(--navy)}h3{font-size:1.2rem;margin-bottom:10px;color:var(--navy)}
p{margin:0 0 16px;color:var(--text)}.muted{color:var(--muted)}
.topbar{background:var(--navy);color:var(--white);padding:10px 0;font-size:.95rem}.topbar .container{display:flex;justify-content:center;text-align:center}
.site-nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
.site-nav .container{display:flex;align-items:center;gap:6px;flex-wrap:wrap;min-height:56px;padding:6px 0}
.site-nav .brand{font-weight:700;color:var(--navy);margin-right:auto;font-size:1.05rem}
.site-nav a.nl{color:var(--text);font-weight:600;font-size:.93rem;padding:7px 10px;border-radius:10px}
.site-nav a.nl:hover,.site-nav a.nl[aria-current=page]{background:var(--light-blue);color:var(--blue);text-decoration:none}
.site-nav a.nav-cta{background:var(--gold);color:#1d1d1d;font-weight:700;padding:8px 14px;border-radius:999px;font-size:.92rem}
@media(max-width:900px){.site-nav .links{display:flex;overflow-x:auto;gap:4px;width:100%;padding-bottom:4px}.site-nav a.nl{white-space:nowrap}.site-nav a.nav-cta{display:none}}
.hero{background:linear-gradient(135deg,rgba(22,58,99,.96),rgba(31,95,165,.93));color:var(--white);padding:72px 0 64px}
.hero h1{color:var(--white)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}
.hero p,.hero li,.hero .muted{color:rgba(255,255,255,.96)}
.hero-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.hero-card h2,.hero-card h3{color:var(--white)}
.crumbs{font-size:.88rem;margin-bottom:12px;opacity:.9}.crumbs a{color:#dbeeff}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin:24px 0 16px}
.btn{display:inline-block;padding:15px 22px;border-radius:999px;font-weight:700;text-align:center;border:2px solid transparent;transition:.2s ease;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--gold);color:#1d1d1d}.btn-primary:hover{text-decoration:none;filter:brightness(1.03)}
.btn-secondary{background:transparent;color:var(--white);border-color:rgba(255,255,255,.7)}.btn-secondary:hover{text-decoration:none;background:rgba(255,255,255,.1)}
.btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}.btn-outline:hover{text-decoration:none;background:var(--light-blue)}
.trust-line{font-size:.98rem;font-weight:600;opacity:.96}
.checklist,.bullet-list{padding-left:20px;margin:0 0 16px}.checklist li,.bullet-list li{margin-bottom:10px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:26px}.cards.c3{grid-template-columns:repeat(3,1fr)}.cards.c2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card p:last-child{margin-bottom:0}
a.card{display:block;color:var(--text)}a.card:hover{text-decoration:none;border-color:var(--blue)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.loan-card{background:var(--white);border:1px solid var(--border);border-top:5px solid var(--blue);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.prose{max-width:820px}
.callout{background:var(--light-blue);border-left:5px solid var(--blue);border-radius:12px;padding:18px 20px;margin:18px 0}
.callout.warn{background:#fff8e8;border-left-color:var(--gold)}.callout p:last-child{margin:0}
.table-wrap{overflow-x:auto;background:var(--white);border:1px solid var(--border);border-radius:14px;margin:12px 0 20px}
table{width:100%;border-collapse:collapse;font-size:.96rem}th,td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}th{background:var(--light-blue);color:var(--navy)}
.cta-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow);text-align:center;max-width:760px;margin:0 auto}
.faq{display:grid;gap:16px;margin-top:24px}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.faq-item h3{margin-bottom:8px}.faq-item p:last-child{margin:0}
.service-areas{background:var(--navy);color:var(--white);padding:22px 0;font-size:.98rem}.service-areas strong,.service-areas span{color:var(--white)}
.footer{background:#102844;color:rgba(255,255,255,.88);padding:34px 0;font-size:.95rem}.footer a{color:#dbeeff}.footer p{color:rgba(255,255,255,.88)}.footer strong{color:#fff}
#get-started form{display:grid;gap:14px;margin-top:18px;text-align:left}
#get-started input,#get-started select,#get-started textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-size:1rem;font-family:inherit;background:#fff;color:var(--text)}
#get-started button{border:none;width:100%}
.language-toggle{position:fixed;right:18px;bottom:18px;z-index:9000;display:flex;gap:3px;padding:4px;background:#fff;border:1px solid rgba(22,58,99,.18);border-radius:999px;box-shadow:0 10px 28px rgba(15,35,58,.16)}
.language-toggle button{width:44px;min-height:40px;border:0;border-radius:999px;background:transparent;color:#163a63;font:700 12px/1 Arial,Helvetica,sans-serif;cursor:pointer}
.language-toggle button[aria-pressed="true"]{background:#163a63;color:#fff}
@media(max-width:1080px){.cards{grid-template-columns:repeat(2,1fr)}.cards.c3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:860px){.hero-grid,.split{grid-template-columns:1fr}}
@media(max-width:640px){.section{padding:48px 0}.hero{padding:52px 0 48px}.cards,.cards.c3,.cards.c2{grid-template-columns:1fr}.btn-row{flex-direction:column}.btn{width:100%}.cta-box,.card,.loan-card,.faq-item,.hero-card{padding:22px}.language-toggle{right:10px;bottom:10px}}