:root{
  --ink:#122033;
  --ink-soft:#4e6177;
  --brand:#0f766e;
  --brand-dark:#0a5c55;
  --gold:#d4a63d;
  --bg:#f7f8fc;
  --line:#dbe3ee;
  --white:#ffffff;
  --navy:#163354;
}
*{box-sizing:border-box}
body{
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
}
a{color:var(--brand);text-decoration:none}
a:hover{color:var(--brand-dark)}
.utility-bar{
  background:linear-gradient(90deg,var(--navy),#1f4b78);
  z-index:1056;
}
.utility-bar .container{min-height:48px}
.utility-tag,.utility-phone{
  color:#fff;
  font-size:.94rem;
  font-weight:600;
}
.site-nav{
  top:48px;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(12px);
  box-shadow:0 8px 24px rgba(18,32,51,.08);
  z-index:1055;
}
.navbar-brand{
  font-size:1.55rem;
  font-weight:800;
  color:var(--ink);
  letter-spacing:-.03em;
}
.navbar-brand span{color:var(--brand)}
.nav-link{
  color:var(--ink);
  font-weight:600;
  padding:.9rem 1rem!important;
}
.nav-link.active,.nav-link:hover{color:var(--brand)}
.navbar-toggler{border:1px solid var(--line);padding:.55rem .7rem}
.dropdown-menu{
  border:none;
  border-radius:1rem;
  padding:.75rem;
  box-shadow:0 18px 40px rgba(18,32,51,.12);
}
.dropdown-item{
  border-radius:.75rem;
  padding:.6rem .8rem;
  font-weight:600;
}
.dropdown-item:hover{background:#eef8f6;color:var(--brand)}
.hero-section{
  padding:9rem 0 5rem;
  background:
    radial-gradient(circle at top right, rgba(15,118,110,.14), transparent 35%),
    linear-gradient(180deg,#fff 0%, #f7f8fc 100%);
}
.hero-kicker,.section-kicker{
  display:inline-block;
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.76rem;
  font-weight:800;
  color:var(--brand);
  margin-bottom:1rem;
}
.section-kicker.light{color:#d7efe9}
.hero-title{
  font-size:clamp(2.35rem,5vw,4.3rem);
  line-height:1.03;
  letter-spacing:-.045em;
  font-weight:800;
  max-width:12ch;
}
.hero-copy{
  max-width:62ch;
  color:var(--ink-soft);
  font-size:1.08rem;
  margin-top:1.25rem;
}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:2rem}
.btn{border-radius:999px;padding:.95rem 1.55rem;font-weight:700}
.btn-accent{
  background:var(--brand);
  color:#fff;
  border:none;
  box-shadow:0 14px 30px rgba(15,118,110,.18);
}
.btn-accent:hover{background:var(--brand-dark);color:#fff}
.hero-panel{
  background:linear-gradient(160deg,var(--navy),#1b4f63);
  color:#fff;
  border-radius:1.75rem;
  padding:2rem;
  box-shadow:0 30px 70px rgba(22,51,84,.22);
}
.panel-top{
  display:flex;
  justify-content:space-between;
  gap:1rem;
  align-items:flex-start;
}
.panel-top h2{font-size:1.6rem;line-height:1.1;font-weight:800;margin:.2rem 0 0}
.panel-label{
  color:rgba(255,255,255,.7);
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.72rem;
  font-weight:800;
}
.panel-top i{
  font-size:1.8rem;
  color:#a9f0e5;
}
.panel-list{
  list-style:none;
  padding:0;
  margin:1.4rem 0 0;
}
.panel-list li{
  padding:.85rem 0;
  border-bottom:1px solid rgba(255,255,255,.12);
}
.panel-list li:last-child{border-bottom:none}
.panel-links{
  display:flex;
  flex-wrap:wrap;
  gap:1rem;
  margin-top:1.25rem;
}
.panel-links a{color:#fff;font-weight:700}
.metric-row{margin-top:1.25rem}
.metric-card,.feature-card,.article-card,.location-card,.sidebar-card,.contact-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:1.5rem;
  padding:1.5rem;
  height:100%;
  box-shadow:0 10px 24px rgba(18,32,51,.04);
}
.metric-card span{
  display:block;
  color:var(--ink-soft);
  font-size:.82rem;
  text-transform:uppercase;
  letter-spacing:.12em;
  font-weight:800;
  margin-bottom:.65rem;
}
.metric-card strong{font-size:1rem}
.section-space{padding:5rem 0}
.alt-bg{background:#eef3f8}
.section-intro-wrap{max-width:75ch}
.section-intro-wrap h2,.split-heading h2,.page-hero h1,.site-footer h5,.contact-card h2{
  letter-spacing:-.035em;
  font-weight:800;
}
.section-intro-wrap h2,.split-heading h2{font-size:clamp(1.8rem,3vw,3rem);margin-bottom:1rem}
.section-intro-wrap p,.split-heading p,.page-hero p,.blog-content p,.blog-content li,.content-grid p,.styled-list li,.contact-card p,.footer-copy{
  color:var(--ink-soft);
}
.feature-card i{
  width:3rem;height:3rem;border-radius:1rem;
  background:#eef8f6;color:var(--brand);
  display:grid;place-items:center;
  font-size:1.2rem;margin-bottom:1rem;
}
.feature-card h3,.service-card h3,.location-card h3,.article-card h3,.sidebar-card h3{
  font-size:1.25rem;
  font-weight:800;
  margin-bottom:.75rem;
  color:var(--ink);
}
.split-heading{
  display:grid;
  grid-template-columns:1.3fr .9fr;
  gap:2rem;
  align-items:end;
}
.service-card,.location-card{
  display:block;
  background:#fff;
  border:1px solid var(--line);
  border-radius:1.6rem;
  padding:1.5rem;
  height:100%;
  box-shadow:0 12px 28px rgba(18,32,51,.05);
  transition:transform .2s ease, box-shadow .2s ease;
}
.service-card:hover,.location-card:hover,.article-card:hover{
  transform:translateY(-4px);
  box-shadow:0 18px 34px rgba(18,32,51,.08);
}
.service-card span{
  display:inline-flex;
  width:2.4rem;height:2.4rem;
  border-radius:999px;
  background:#eef8f6;color:var(--brand);
  align-items:center;justify-content:center;
  font-weight:800;margin-bottom:1rem;
}
.article-card a,.service-card,.location-card{color:inherit}
.callout-band{
  background:linear-gradient(135deg,var(--brand),#125b87);
  color:#fff;
}
.callout-band h2{
  font-size:clamp(2rem,3.5vw,3rem);
  letter-spacing:-.035em;
  font-weight:800;
  margin-bottom:1rem;
}
.callout-band p{color:rgba(255,255,255,.78);margin-bottom:0}
.page-hero{
  padding:8rem 0 2.5rem;
  background:
    radial-gradient(circle at left top, rgba(212,166,61,.16), transparent 28%),
    linear-gradient(180deg,#fff 0%, #f7f8fc 100%);
}
.inner-hero h1{
  font-size:clamp(2rem,4vw,3.65rem);
  max-width:16ch;
  margin-bottom:1rem;
}
.blog-content,.content-grid,.styled-list{max-width:76ch}
.blog-content h2{
  font-size:1.45rem;
  margin-top:2rem;
  margin-bottom:.75rem;
  font-weight:800;
}
.content-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:1rem;
  margin:1.5rem 0;
}
.content-grid>div{
  background:#fff;
  border:1px solid var(--line);
  border-radius:1.25rem;
  padding:1.15rem;
}
.content-grid strong{display:block;margin-bottom:.35rem}
.styled-list{padding-left:1.15rem}
.faq-list{
  display:grid;
  gap:1rem;
  max-width:76ch;
}
.faq-item{
  background:#fff;
  border:1px solid var(--line);
  border-radius:8px;
  padding:1.2rem;
}
.faq-item h3{
  font-size:1.08rem;
  font-weight:800;
  margin-bottom:.55rem;
}
.faq-item p{
  color:var(--ink-soft);
  margin:0;
}
.sidebar-card ul,.footer-links{
  list-style:none;
  padding:0;
  margin:0;
}
.sidebar-card li,.footer-links li{
  border-bottom:1px solid var(--line);
}
.sidebar-card li:last-child,.footer-links li:last-child{border-bottom:none}
.sidebar-card a,.footer-links a{
  display:block;
  padding:.8rem 0;
  font-weight:600;
}
.contact-card{
  padding:2rem;
}
.phone-display{
  font-size:1.6rem;
  font-weight:800;
  margin:1.25rem 0;
  color:var(--ink);
}
.phone-display a{color:var(--ink)}
.site-footer{
  background:#101d31;
  color:#d5deea;
  padding:4rem 0 1.5rem;
}
.footer-brand{
  font-size:1.4rem;
  font-weight:800;
  color:#fff;
  margin-bottom:1rem;
}
.site-footer h5{color:#fff;margin-bottom:1rem;font-size:1rem}
.footer-copy,.footer-legal{max-width:34ch}
.site-footer a{color:#d5deea}
.site-footer a:hover{color:#fff}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);
  margin-top:2rem;
  padding-top:1rem;
  display:flex;
  justify-content:space-between;
  gap:1rem;
  flex-wrap:wrap;
}
@media (max-width:1199.98px){
  .site-nav{top:48px}
}
@media (max-width:991.98px){
  .hero-section{padding-top:8rem}
  .split-heading{grid-template-columns:1fr}
  .content-grid{grid-template-columns:1fr}
  .navbar-collapse{
    margin-top:1rem;
    background:#fff;
    padding:1rem;
    border-radius:1rem;
    border:1px solid var(--line);
  }
}
@media (max-width:575.98px){
  .utility-bar .container{min-height:52px}
  .utility-tag{display:none}
  .hero-title{max-width:100%}
  .phone-display{font-size:1.35rem}
  .footer-bottom{font-size:.95rem}
}

/* 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%;
  }
}