/* =====================================================
   LendCloud — 2026 design system
   Single source of truth. No Bootstrap, no plugins.
   ===================================================== */

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

:root {
  /* Brand */
  --ink:        #0a1128;
  --navy:       #0b1f4a;
  --navy-700:   #122a5e;
  --navy-500:   #264b9e;
  --mint:       #196fe0;
  --mint-600:   #1557c4;
  --mint-300:   #7eb3f1;
  --emerald:    #10b981;
  --gold:       #f59e0b;

  /* Neutrals */
  --text:       #0f172a;
  --muted:      #475569;
  --subtle:     #64748b;
  --faint:      #94a3b8;
  --line:       #e2e8f0;
  --line-soft:  #eef2f7;
  --bg:         #ffffff;
  --bg-soft:    #f7f9fc;
  --bg-tint:    #eff4fb;

  /* System */
  --radius-sm:  8px;
  --radius:     12px;
  --radius-lg:  18px;
  --radius-xl:  28px;
  --shadow-sm:  0 1px 2px rgba(15,23,42,.05);
  --shadow:     0 1px 3px rgba(15,23,42,.06), 0 12px 30px -14px rgba(15,23,42,.12);
  --shadow-lg:  0 10px 40px -12px rgba(11,31,74,.25);
  --container:  1200px;
  --ease:       cubic-bezier(.2,.7,.2,1);
}

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--navy); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--mint-600); }

h1, h2, h3, h4, h5, h6 {
  font-family: inherit;
  font-weight: 700;
  letter-spacing: -0.022em;
  color: var(--ink);
  margin: 0 0 .6em;
  line-height: 1.15;
}
h1 { font-size: clamp(2rem, 4.2vw, 3.6rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); letter-spacing: -0.025em; }
h3 { font-size: clamp(1.35rem, 2vw, 1.75rem); }
h4 { font-size: 1.25rem; }
p  { margin: 0 0 1em; color: var(--muted); }

small { font-size: 13px; }
::selection { background: var(--mint-300); color: var(--ink); }

/* =====================================================
   Layout primitives
   ===================================================== */

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }
.section-sm { padding: 56px 0; }
.section-soft { background: var(--bg-soft); }
.section-tint { background: var(--bg-tint); }

.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.split {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 72px;
  align-items: center;
}
.split.reverse { grid-template-columns: 1fr 1.05fr; }
.split.reverse > :first-child { order: 2; }
.split.reverse > :last-child { order: 1; }

@media (max-width: 960px) {
  .section { padding: 64px 0; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .split, .split.reverse { grid-template-columns: 1fr; gap: 36px; }
  .split.reverse > :first-child, .split.reverse > :last-child { order: initial; }
}
@media (max-width: 600px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Utility */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--mint-600);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: '';
  width: 28px; height: 1.5px;
  background: currentColor;
}
.lead { font-size: 1.125rem; line-height: 1.6; color: var(--muted); max-width: 62ch; }
.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }
.mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 40px; }

.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head .eyebrow { justify-content: center; }
.section-head .eyebrow::before { display: none; }

/* =====================================================
   Buttons
   ===================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 26px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 600;
  line-height: 1;
  white-space: nowrap;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: transform .2s var(--ease), background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease), box-shadow .2s var(--ease);
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary {
  background: var(--ink);
  color: #fff;
  box-shadow: 0 8px 24px -10px rgba(10,17,40,.55);
}
.btn-primary:hover { background: var(--navy); color: #fff; box-shadow: 0 12px 28px -10px rgba(10,17,40,.6); }

.btn-accent {
  background: var(--mint);
  color: #ffffff;
  box-shadow: 0 8px 24px -10px rgba(25,111,224,.55);
}
.btn-accent:hover { background: var(--mint-600); color: #fff; }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--ink); color: var(--ink); background: #fff; }

.btn-ghost-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.28);
}
.btn-ghost-light:hover { border-color: #fff; background: rgba(255,255,255,.08); color: #fff; }

.btn-lg { padding: 17px 32px; font-size: 16px; }

.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.btn-row.center { justify-content: center; }

/* Inline link with arrow */
.arrow-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--navy);
  font-weight: 600;
  font-size: 15px;
}
.arrow-link::after {
  content: '→';
  transition: transform .2s var(--ease);
}
.arrow-link:hover::after { transform: translateX(4px); }

/* =====================================================
   Header / nav
   ===================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: saturate(1.4) blur(14px);
  -webkit-backdrop-filter: saturate(1.4) blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
  font-size: 20px;
}
.brand img { height: 44px; width: auto; display: block; }
@media (max-width: 520px) { .brand img { height: 36px; } }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  padding: 10px 14px;
  font-size: 15px;
  font-weight: 500;
  color: var(--muted);
  border-radius: 8px;
}
.nav-links a:hover { color: var(--ink); background: var(--bg-soft); }

/* Nav CTA — compact, high-contrast pill */
.nav-links .btn-accent {
  padding: 10px 22px;
  font-size: 14px;
  background: var(--ink);
  color: #fff;
  border-radius: 999px;
  box-shadow: 0 4px 14px -4px rgba(10,17,40,.4);
  border: 1px solid transparent;
}
.nav-links .btn-accent:hover {
  background: var(--navy-700);
  color: #fff;
  box-shadow: 0 6px 18px -4px rgba(10,17,40,.5);
  transform: translateY(-1px);
}

.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-weight: 600;
  font-size: 15px;
  padding: 10px 12px;
}
.nav-phone i { color: var(--mint-600); }

/* Dropdown */
.has-dropdown { position: relative; }
.has-dropdown > a { display: inline-flex; align-items: center; gap: 6px; }
.has-dropdown > a::after {
  content: '';
  width: 6px; height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  transition: transform .2s var(--ease);
}
.has-dropdown:hover > a::after { transform: translateY(1px) rotate(225deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-4px);
  min-width: 280px;
  padding: 10px;
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  list-style: none;
  margin: 0;
  opacity: 0;
  visibility: hidden;
  transition: all .2s var(--ease);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown li a {
  display: block;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 14px;
  color: var(--muted);
  font-weight: 500;
}
.dropdown li a:hover { background: var(--bg-soft); color: var(--ink); }

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  padding: 9px 12px;
  border-radius: 10px;
  cursor: pointer;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  position: relative;
}
.nav-toggle span::before,
.nav-toggle span::after { content: ''; position: absolute; left: 0; }
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after  { top: 6px; }

@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .nav-wrap {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line-soft);
    box-shadow: var(--shadow);
    padding: 12px 20px 20px;
    display: none;
  }
  .nav-wrap.open { display: block; }
  .nav-links {
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
  }
  .nav-links > li { width: 100%; }
  .nav-links a { padding: 12px 14px; display: block; }
  .dropdown {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    box-shadow: none;
    border: 0;
    padding: 0 0 0 14px;
    min-width: 0;
  }
  .has-dropdown > a::after { display: none; }
  .nav-phone { padding: 12px 14px; }
}

/* =====================================================
   Hero
   ===================================================== */

.hero {
  position: relative;
  overflow: hidden;
  padding: 96px 0 112px;
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(25,111,224,.12), transparent 60%),
    radial-gradient(900px 500px at -10% 10%, rgba(38,75,158,.10), transparent 60%),
    var(--bg);
}
.hero-dark {
  background:
    radial-gradient(900px 500px at 90% -10%, rgba(25,111,224,.22), transparent 60%),
    radial-gradient(900px 500px at -10% 110%, rgba(96,165,250,.15), transparent 60%),
    linear-gradient(180deg, var(--ink) 0%, var(--navy) 100%);
  color: #e6ecff;
}
.hero-dark h1, .hero-dark h2 { color: #fff; }
.hero-dark p { color: #c6d0ef; }

.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 960px) {
  .hero { padding: 60px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 14px 6px 8px;
  background: rgba(25,111,224,.12);
  border: 1px solid rgba(25,111,224,.3);
  color: var(--mint-600);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .02em;
  margin-bottom: 22px;
}
.hero-dark .hero-eyebrow {
  background: rgba(96,165,250,.14);
  border-color: rgba(96,165,250,.35);
  color: var(--mint-300);
}
.hero-eyebrow::before {
  content: '●';
  color: var(--mint);
  font-size: 10px;
  line-height: 1;
}

.hero h1 {
  font-size: clamp(2.25rem, 5vw, 4rem);
  line-height: 1.05;
  margin-bottom: 18px;
}
.hero p.lead { font-size: 1.18rem; max-width: 54ch; }

.hero-benefits {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  margin: 28px 0;
  max-width: 560px;
}
.hero-benefits span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--muted);
}
.hero-dark .hero-benefits span { color: #c6d0ef; }
.hero-benefits span::before {
  content: '✓';
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(16,185,129,.14);
  color: var(--emerald);
  font-size: 12px;
  font-weight: 700;
}

.hero-visual {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 5/4;
  background: var(--bg-soft);
}
.hero-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-dark .hero-visual {
  box-shadow: 0 24px 80px -20px rgba(0,0,0,.5);
  border: 1px solid rgba(255,255,255,.08);
}

/* Floating stat card */
.hero-card {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: #fff;
  border-radius: var(--radius);
  padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
  max-width: 260px;
}
.hero-card .icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: rgba(16,185,129,.12);
  color: var(--emerald);
  display: grid;
  place-items: center;
  font-size: 18px;
  flex-shrink: 0;
}
.hero-card strong { display: block; color: var(--ink); font-size: 15px; }
.hero-card span { font-size: 13px; color: var(--subtle); }

/* =====================================================
   Stats strip
   ===================================================== */

.stats {
  position: relative;
  margin-top: -56px;
  margin-bottom: 0;
  z-index: 2;
}
.stats-card {
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}
.stats-card.cols-4 { grid-template-columns: repeat(4, 1fr); }
.stats-item {
  padding: 32px 28px;
  text-align: center;
  border-right: 1px solid var(--line-soft);
}
.stats-item:last-child { border-right: 0; }
.stats-item .num {
  font-size: clamp(1.75rem, 3vw, 2.4rem);
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.stats-item .num .accent { color: var(--mint-600); }
.stats-item .label {
  font-size: 13px;
  color: var(--subtle);
  font-weight: 500;
  letter-spacing: .03em;
  text-transform: uppercase;
}
@media (max-width: 800px) {
  .stats-card, .stats-card.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-item { border-right: 0; border-bottom: 1px solid var(--line-soft); }
  .stats-item:nth-child(2n) { border-right: 0; }
  .stats-item:nth-last-child(-n+2):not(:last-child) { border-bottom: 0; }
  .stats-card:not(.cols-4) .stats-item:last-child { grid-column: 1 / -1; border-bottom: 0; }
}

/* Product stat strip (term-loan style: 4 specs) */
.specs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  margin-top: -40px;
  position: relative;
  z-index: 2;
}
.specs-item {
  padding: 28px 24px;
  border-right: 1px solid var(--line-soft);
  display: flex;
  gap: 14px;
  align-items: center;
}
.specs-item:last-child { border-right: 0; }
.specs-item .icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--bg-tint);
  color: var(--navy);
  display: grid;
  place-items: center;
  font-size: 18px;
  flex-shrink: 0;
}
.specs-item .label {
  font-size: 12px;
  color: var(--subtle);
  text-transform: uppercase;
  letter-spacing: .05em;
  font-weight: 600;
  margin-bottom: 3px;
}
.specs-item .value { font-size: 15px; font-weight: 600; color: var(--ink); }
@media (max-width: 800px) {
  .specs { grid-template-columns: repeat(2, 1fr); }
  .specs-item { border-right: 0; border-bottom: 1px solid var(--line-soft); }
  .specs-item:nth-child(2n) { border-right: 0; }
  .specs-item:nth-last-child(-n+2) { border-bottom: 0; }
}

/* =====================================================
   Cards
   ===================================================== */

.card {
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: #d8e1ef;
}
.card .icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--bg-tint);
  color: var(--navy-500);
  display: grid;
  place-items: center;
  font-size: 20px;
  margin-bottom: 20px;
}
.card h3, .card h4 { margin-bottom: 10px; font-size: 1.2rem; }
.card p { font-size: 15px; }
.card .arrow-link { margin-top: 14px; font-size: 14px; }

/* Product card (how-it-works) — 6 products grid */
.product-card {
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: all .3s var(--ease);
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(25,111,224,.06), transparent 50%);
  opacity: 0;
  transition: opacity .3s var(--ease);
  pointer-events: none;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.product-card:hover::before { opacity: 1; }
.product-card .icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%);
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 22px;
  margin-bottom: 24px;
}
.product-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.product-card p { flex-grow: 1; font-size: 15px; margin-bottom: 18px; }

/* Numbered step */
.step {
  position: relative;
}
.step .num-label {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .08em;
  color: var(--mint-600);
  text-transform: uppercase;
  margin-bottom: 12px;
}
.step h2 { margin-bottom: 16px; }
.step .check-list { margin: 24px 0 28px; }

/* Check list */
.check-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--text);
}
.check-list li::before {
  content: '';
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(16,185,129,.14);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2310b981' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 12px;
  margin-top: 1px;
}

/* Side-feature image */
.split-media {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
  background: var(--bg-soft);
}
.split-media img { width: 100%; height: 100%; object-fit: cover; }

/* =====================================================
   Accordion
   ===================================================== */

.accordion { display: flex; flex-direction: column; gap: 0; }
.accordion details {
  border-top: 1px solid var(--line);
  padding: 22px 0;
}
.accordion details:last-of-type { border-bottom: 1px solid var(--line); }
.accordion summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--ink);
  transition: color .2s var(--ease);
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after {
  content: '';
  width: 12px; height: 12px;
  border-right: 2px solid var(--subtle);
  border-bottom: 2px solid var(--subtle);
  transform: rotate(45deg);
  transition: transform .3s var(--ease);
  flex-shrink: 0;
}
.accordion details[open] summary::after { transform: rotate(-135deg); }
.accordion summary:hover { color: var(--mint-600); }
.accordion .acco-body {
  margin-top: 14px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.7;
  max-width: 68ch;
}

/* =====================================================
   Industry/brand logos grid
   ===================================================== */

.industry-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.industry-grid a {
  display: block;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line-soft);
  background: #fff;
  position: relative;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.industry-grid a:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.industry-grid img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .5s var(--ease);
}
.industry-grid a:hover img { transform: scale(1.06); }
@media (max-width: 800px) { .industry-grid { grid-template-columns: repeat(2, 1fr); } }

/* =====================================================
   Testimonials
   ===================================================== */

.reviews {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 900px) { .reviews { grid-template-columns: 1fr; } }

.review {
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.review .stars { color: var(--gold); letter-spacing: 2px; font-size: 15px; }
.review p { color: var(--text); margin: 0; font-size: 15px; line-height: 1.65; }
.review .who {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--line-soft);
}
.review .who img {
  width: 44px; height: 44px;
  border-radius: 50%;
  object-fit: cover;
}
.review .who strong { color: var(--ink); font-size: 14px; display: block; }
.review .who span { color: var(--subtle); font-size: 13px; }

/* =====================================================
   CTA band
   ===================================================== */

.cta-band {
  position: relative;
  padding: 88px 0;
  overflow: hidden;
  background:
    radial-gradient(800px 400px at 80% 20%, rgba(25,111,224,.28), transparent 60%),
    linear-gradient(135deg, var(--ink) 0%, var(--navy) 60%, var(--navy-700) 100%);
  color: #fff;
  text-align: center;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(96,165,250,.12) 0, transparent 40%);
  pointer-events: none;
}
.cta-band h2 {
  color: #fff;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  max-width: 720px;
  margin: 0 auto 14px;
  letter-spacing: -0.025em;
}
.cta-band p {
  color: #c6d0ef;
  font-size: 1.1rem;
  max-width: 620px;
  margin: 0 auto 32px;
}

/* =====================================================
   Apply page
   ===================================================== */

.apply-layout {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 56px;
  align-items: start;
}
@media (max-width: 980px) { .apply-layout { grid-template-columns: 1fr; gap: 32px; } }

.apply-side { padding-top: 10px; }
.apply-side h1 { font-size: clamp(1.8rem, 3vw, 2.5rem); margin-bottom: 14px; }
.apply-side .lead { font-size: 1.05rem; }
.trust-box {
  margin-top: 28px;
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
}
.trust-box .tag { font-size: 12px; color: var(--subtle); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 6px; }
.trust-box .phone { font-size: 22px; font-weight: 700; color: var(--ink); display: block; }
.trust-box .hours { font-size: 13px; color: var(--subtle); margin-top: 4px; }

.form-frame {
  background: #fff;
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  padding: 6px;
}
.form-frame iframe {
  display: block;
  width: 100%;
  border: 0;
  border-radius: 14px;
}

/* =====================================================
   Footer
   ===================================================== */

.site-footer {
  background: var(--ink);
  color: #a7b3d4;
  padding: 72px 0 24px;
  position: relative;
  overflow: hidden;
}
.site-footer::before {
  content: '';
  position: absolute;
  inset: auto 0 0 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(96,165,250,.35), transparent);
  top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr .8fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand img { height: 38px; margin-bottom: 18px; filter: brightness(1.3); }
.footer-brand p { color: #a7b3d4; font-size: 14px; max-width: 36ch; margin-bottom: 20px; }
.footer-brand .secure { display: inline-flex; gap: 8px; align-items: center; font-size: 12px; color: #8a98c2; margin-top: 16px; }
.footer-brand .secure i { color: var(--mint-300); }

.site-footer h5 {
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.site-footer a { color: #a7b3d4; font-size: 14px; }
.site-footer a:hover { color: #fff; }
.site-footer .phone-big { display: block; color: #fff; font-size: 20px; font-weight: 700; margin-bottom: 6px; }

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-size: 13px;
  color: #6b7ba3;
}
.footer-bottom p { margin: 0; color: inherit; }
@media (max-width: 680px) { .footer-bottom { flex-direction: column; text-align: center; } }

/* =====================================================
   Mobile sticky CTA
   ===================================================== */

.mobile-cta {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 60;
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: #fff;
  border-top: 1px solid var(--line);
  box-shadow: 0 -4px 24px rgba(15,23,42,.08);
}
.mobile-cta a {
  padding: 14px 16px;
  text-align: center;
  font-weight: 600;
  font-size: 15px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.mobile-cta .call { color: var(--ink); background: #fff; border-right: 1px solid var(--line-soft); }
.mobile-cta .call i { color: var(--mint-600); }
.mobile-cta .apply { background: var(--ink); color: #fff; }
.mobile-cta .apply:hover { background: var(--navy); color: #fff; }
@media (max-width: 640px) {
  .mobile-cta { display: grid; }
  body { padding-bottom: 56px; }
  .site-footer { padding-bottom: 80px; }
}

/* =====================================================
   Misc helpers
   ===================================================== */

.pill {
  display: inline-block;
  padding: 4px 12px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .02em;
  border-radius: 999px;
  background: rgba(25,111,224,.12);
  color: var(--mint-600);
}
.divider { height: 1px; background: var(--line); margin: 40px 0; border: 0; }