:root {
    --color-bg: #f7f8ff;
    --color-surface: #ffffff;
    --color-accent: #5145ff;
    --color-accent-2: #38c0ff;
    --color-text: #1a1e33;
    --color-muted: rgba(26, 30, 51, 0.65);
    --border: rgba(26, 30, 51, 0.12);
    --shell-width: min(1200px, 92vw);
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: 'Poppins', 'Segoe UI', system-ui, -apple-system, sans-serif;
    background: var(--color-bg);
    color: var(--color-text);
    line-height: 1.6;
}

.shell {
    width: var(--shell-width);
    margin: 0 auto;
}

.site-header {
    position: sticky;
    top: 0;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
    z-index: 10;
}

.site-header .shell {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.1rem 0;
}

.logo {
    font-weight: 700;
    letter-spacing: 0.08em;
    color: var(--color-text);
    text-decoration: none;
}

.primary-nav {
    display: flex;
    gap: 1.25rem;
}

.primary-nav a {
    color: var(--color-muted);
    text-decoration: none;
    font-weight: 500;
}

.primary-nav a:hover {
    color: var(--color-text);
}

.ghost-btn {
    padding: 0.6rem 1.2rem;
    border-radius: 999px;
    border: 1px solid var(--border);
    background: #fff;
    color: var(--color-text);
    text-decoration: none;
    font-weight: 600;
}

.hero {
    padding: 4rem 0 3.5rem;
    position: relative;
}

.hero::before,
.hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(81, 69, 255, 0.15), transparent 60%);
    pointer-events: none;
}

.hero::after {
    background: radial-gradient(circle at top left, rgba(56, 192, 255, 0.12), transparent 55%);
}

.hero-grid {
    position: relative;
    display: grid;
    grid-template-columns: minmax(280px, 1fr) minmax(280px, 360px);
    gap: 1.75rem;
    align-items: stretch;
}

@media (max-width: 900px) {
    .hero-grid {
        grid-template-columns: 1fr;
    }
}

.pill {
    display: inline-flex;
    padding: 0.35rem 0.85rem;
    background: rgba(81, 69, 255, 0.12);
    border-radius: 999px;
    font-size: 0.8rem;
    letter-spacing: 0.08em;
    color: var(--color-accent);
    text-transform: uppercase;
}

.hero-copy h1 {
    margin: 1rem 0;
    font-size: clamp(2.4rem, 4vw, 3.4rem);
    line-height: 1.2;
}

.hero-copy p {
    margin-bottom: 1.2rem;
}

.hero-points {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 0.75rem;
}

.hero-points li {
    background: var(--color-surface);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 0.8rem 1rem;
}

.rate-strip {
    margin-top: 1.5rem;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
    gap: 1rem;
}

.rate-strip div {
    border-radius: 16px;
    background: #fff;
    border: 1px solid var(--border);
    text-align: center;
    padding: 0.9rem;
}

.rate-strip span {
    display: block;
    font-size: 0.8rem;
    color: var(--color-muted);
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.rate-strip strong {
    font-size: 1.4rem;
}

.hero-form-card {
    background: #fff;
    border-radius: 28px;
    border: 1px solid var(--border);
    box-shadow: 0 20px 60px rgba(26, 30, 51, 0.08);
    padding: 2rem;
    display: flex;
    flex-direction: column;
}

.card-header {
    margin-bottom: 1rem;
}

.eyebrow {
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--color-accent);
    font-size: 0.72rem;
}

.subnote {
    margin: 0;
    color: var(--color-muted);
    font-size: 0.9rem;
}

.lead-form {
    display: grid;
    gap: 0.75rem;
}

.lead-form label {
    font-weight: 500;
}

.lead-form input,
.lead-form select,
.lead-form button {
    font-family: inherit;
    font-size: 1rem;
}

.lead-form input,
.lead-form select {
    padding: 0.85rem;
    border-radius: 14px;
    border: 1px solid var(--border);
}

.lead-form input:focus,
.lead-form select:focus {
    outline: 2px solid rgba(81, 69, 255, 0.35);
}

.lead-form button {
    margin-top: 0.5rem;
    border: none;
    border-radius: 16px;
    padding: 0.95rem;
    color: #fff;
    background: linear-gradient(90deg, var(--color-accent), var(--color-accent-2));
    cursor: pointer;
    font-weight: 600;
}

.privacy-note {
    font-size: 0.8rem;
    color: var(--color-muted);
}

.ticker {
    margin-top: 2.5rem;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1rem;
    font-size: 0.8rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--color-muted);
}

.perks {
    background: #fff;
    padding: 3.5rem 0;
}

.perks-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1.5rem;
}

.perks article {
    padding: 1.4rem;
    border-radius: 18px;
    border: 1px solid var(--border);
    background: var(--color-surface);
    box-shadow: 0 12px 30px rgba(26, 30, 51, 0.05);
}

.workflow {
    padding: 4rem 0;
    background: #f2f3ff;
}

.workflow-header {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 2.5rem;
}

.workflow-steps {
    display: grid;
    gap: 1rem;
}

.workflow-steps article {
    position: relative;
    padding: 1.6rem 1.4rem 1.4rem 3rem;
    border-radius: 18px;
    border: 1px solid var(--border);
    background: #fff;
}

.workflow-steps span {
    position: absolute;
    left: 1rem;
    top: 1.4rem;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: rgba(81, 69, 255, 0.15);
    color: var(--color-accent);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
}

@media (min-width: 700px) {
    .workflow-steps {
        grid-template-columns: repeat(3, 1fr);
    }

    .workflow-steps article {
        padding-left: 1.4rem;
    }

    .workflow-steps span {
        position: static;
        margin-bottom: 0.8rem;
    }
}

.lenders {
    padding: 3.5rem 0;
    text-align: center;
}

.lender-logos {
    margin-top: 2rem;
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    justify-content: center;
}

.lender-logos img {
    padding: 0.75rem 1.4rem;
    border-radius: 14px;
    border: 1px solid var(--border);
    background: #fff;
}

.uses {
    padding: 3.5rem 0;
}

.uses-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 1.5rem;
}

.uses-grid article {
    border-radius: 22px;
    border: 1px solid var(--border);
    background: #fff;
    overflow: hidden;
    box-shadow: 0 15px 35px rgba(26, 30, 51, 0.08);
}

.uses-grid img {
    width: 100%;
    height: 180px;
    object-fit: cover;
    display: block;
}

.uses-grid div {
    padding: 1.25rem;
}

.stories {
    padding: 3.5rem 0 4rem;
}

.stories-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1.5rem;
}

.stories-grid article {
    background: #fff;
    border-radius: 20px;
    border: 1px solid var(--border);
    padding: 1.5rem;
    box-shadow: 0 12px 30px rgba(26, 30, 51, 0.05);
}

.quote {
    color: var(--color-muted);
    font-size: 0.95rem;
}

.site-footer {
    padding: 2rem 0 3rem;
    text-align: center;
    color: var(--color-muted);
}

.footer-links {
    margin-top: 0.6rem;
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.footer-links a {
    color: var(--color-text);
    text-decoration: none;
    font-weight: 500;
}

@media (max-width: 720px) {
    .site-header .shell {
        flex-direction: column;
        gap: 0.8rem;
    }

    .primary-nav {
        flex-wrap: wrap;
        justify-content: center;
    }
}