:root {
  --navy: #071c31;
  --navy-2: #0d2945;
  --gold: #cfa953;
  --gold-light: #e4c982;
  --cream: #f4f2eb;
  --white: #ffffff;
  --ink: #0c2035;
  --gray: #6f7983;
  --line: #d7dce1;
  --green: #2d8a67;
  --shadow: 0 24px 60px rgba(7, 28, 49, 0.14);
  --serif: "Libre Baskerville", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: #fff; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(7,28,49,.08);
  backdrop-filter: blur(14px);
}
.nav-wrap { min-height: 92px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand img { width: 220px; }
.primary-nav { display: flex; align-items: center; gap: 34px; font-weight: 600; font-size: 14px; }
.primary-nav a:hover { color: var(--gold); }
.nav-cta { background: var(--navy); color: #fff; padding: 16px 22px; }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); padding: 10px 14px; }

.hero { background: linear-gradient(135deg, #071b30 0%, #0d2945 72%, #12334f 100%); color: white; padding: 86px 0 0; overflow: visible; }
.hero-grid { display: grid; grid-template-columns: .88fr 1.12fr; align-items: center; gap: 58px; }
.eyebrow { margin: 0 0 20px; color: var(--gold); font-weight: 700; font-size: 13px; letter-spacing: .18em; text-transform: uppercase; }
h1, h2 { font-family: var(--serif); font-weight: 400; line-height: 1.17; letter-spacing: -.035em; margin: 0; }
h1 { font-size: clamp(48px, 5vw, 78px); }
h2 { font-size: clamp(38px, 4vw, 58px); }
h3 { line-height: 1.3; }
.hero-lead { max-width: 650px; margin: 30px 0; color: #dbe4ec; font-size: 19px; }
.capability-line { margin: -12px 0 30px; color: var(--gold-light); font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; line-height: 1.8; }
.hero-actions { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 54px; padding: 0 26px; border: 0; cursor: pointer; font-weight: 700; transition: .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-gold { background: var(--gold); color: var(--navy); }
.button-navy { background: var(--navy); color: #fff; }
.button-outline { background: transparent; color: var(--navy); border: 1px solid var(--navy); }
.text-link { font-weight: 700; color: white; }
.text-link span { color: var(--gold); margin-left: 6px; }
.microcopy { color: #95a5b5; font-size: 13px; margin-top: 18px; }

.hero-visual { position: relative; min-height: 610px; display: flex; align-items: flex-end; justify-content: center; }
.hero-visual > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; opacity: .95; }
.snapshot-card {
  position: relative; z-index: 3; width: 72%; background: white; color: var(--ink);
  padding: 24px; margin: 0 0 54px 22%; box-shadow: var(--shadow); transform: rotate(1deg);
  border-top: 5px solid var(--gold);
}
.snapshot-top, .snapshot-score, .metric-grid { display: flex; justify-content: space-between; gap: 12px; }
.snapshot-top { padding-bottom: 16px; border-bottom: 1px solid var(--line); font-size: 10px; text-transform: uppercase; letter-spacing: .12em; font-weight: 700; }
.snapshot-top strong { color: var(--gold); }
.snapshot-score { align-items: center; padding: 22px 0; }
.snapshot-score small { display: block; font-size: 10px; text-transform: uppercase; }
.snapshot-score b { font-size: 38px; }
.snapshot-score b span { font-size: 13px; color: var(--gray); }
.score-ring { width: 62px; height: 62px; border-radius: 50%; border: 8px solid var(--green); display: grid; place-items: center; font-weight: 700; color: var(--green); }
.deal-box { background: var(--cream); border-left: 4px solid var(--gold); padding: 14px; }
.deal-box small, .deal-box span { display: block; color: var(--gray); }
.metric-grid { margin-top: 14px; }
.metric-grid > div { flex: 1; padding: 10px; border: 1px solid var(--line); }
.metric-grid small { display: block; color: var(--gray); font-size: 9px; }
.metric-grid b { font-size: 13px; }
.ready-note { margin-top: 14px; background: #eaf6f1; padding: 14px; color: var(--green); font-weight: 700; font-size: 12px; }
.ready-note span { display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--green); margin-right: 8px; }

.hero-strip { position: relative; z-index: 5; display: grid; grid-template-columns: repeat(3,1fr); background: white; color: var(--ink); box-shadow: var(--shadow); transform: translateY(38px); }
.hero-strip > div { padding: 26px 30px; border-right: 1px solid var(--line); }
.hero-strip > div:last-child { border-right: 0; }
.hero-strip strong, .hero-strip span { display: block; }
.hero-strip strong { font-family: var(--serif); margin-bottom: 4px; }
.hero-strip span { color: var(--gray); font-size: 14px; }

.section { padding: 118px 0; }
.section-light { background: #fff; padding-top: 155px; }
.split-heading { display: grid; grid-template-columns: 1.2fr .8fr; gap: 100px; align-items: end; }
.split-heading > p { color: var(--gray); font-size: 18px; margin: 0; }
.process-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; margin-top: 60px; }
.process-card { border-top: 4px solid var(--gold); padding: 30px; background: var(--cream); min-height: 275px; }
.step { color: var(--gold); font-weight: 700; letter-spacing: .12em; }
.process-card h3 { font-family: var(--serif); font-size: 24px; }
.process-card p { color: var(--gray); }

.programs-section { background: var(--navy); color: white; }
.section-heading { max-width: 760px; }
.centered { text-align: center; margin: 0 auto 56px; }
.section-heading > p:last-child { color: #c1ccd7; font-size: 18px; }
.program-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; align-items: stretch; }
.program-card { background: #fff; color: var(--ink); overflow: hidden; box-shadow: 0 20px 50px rgba(0,0,0,.18); display: flex; flex-direction: column; height: 100%; }
.program-card div { flex: 1; }
.program-card img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; }
.program-card div { padding: 28px; }
.program-card span { color: var(--gold); font-weight: 700; }
.program-card h3 { font-family: var(--serif); font-size: 25px; margin: 8px 0 12px; }
.program-card p { color: var(--gray); margin: 0; }

.readiness-section { background: var(--cream); }
.readiness-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: stretch; }
.readiness-grid > div:first-child > p:not(.eyebrow) { color: var(--gray); font-size: 18px; margin: 28px 0 34px; }
.readiness-panel { background: #fff; border-top: 7px solid var(--gold); padding: 36px 42px; }
.readiness-item { display: flex; gap: 24px; padding: 24px 0; border-bottom: 1px solid var(--line); }
.readiness-item:last-child { border-bottom: 0; }
.readiness-item > span { color: var(--gold); }
.readiness-item h3 { font-family: var(--serif); font-size: 25px; margin: 0 0 7px; }
.readiness-item p { color: var(--gray); margin: 0; }

.human-section { background: white; }
.human-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.human-grid > img { width: 100%; box-shadow: var(--shadow); }
.human-grid > div > p:not(.eyebrow) { color: var(--gray); font-size: 18px; }
.check-list { list-style: none; padding: 0; margin: 26px 0 0; }
.check-list li { padding: 11px 0 11px 28px; position: relative; border-bottom: 1px solid var(--line); }
.check-list li::before { content: "◆"; position: absolute; left: 0; color: var(--gold); }

.request-section { background: #f8f8f6; }
.request-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 60px; align-items: start; }
.request-copy > p:not(.eyebrow) { color: var(--gray); font-size: 18px; }
.help-box { margin-top: 34px; padding: 26px; background: var(--navy); color: white; }
.help-box strong, .help-box span { display: block; }
.help-box span { color: #d7e0e8; margin-top: 10px; }

.loan-form { background: white; padding: 38px; box-shadow: var(--shadow); }
.form-head { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; margin-bottom: 28px; }
.form-head span { padding: 11px 10px; border-bottom: 3px solid var(--line); font-size: 13px; font-weight: 700; }
.form-head span.active { border-color: var(--gold); color: var(--gold); }
.form-section { display: none; }
.form-section.active { display: block; }
.form-section h3 { font-family: var(--serif); font-size: 30px; margin: 0; }
.form-section > p { color: var(--gray); margin-top: 8px; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 26px 0; }
.field-grid label { font-size: 12px; text-transform: uppercase; letter-spacing: .05em; font-weight: 700; }
.field-grid .full { grid-column: 1 / -1; }
input, select, textarea {
  width: 100%; margin-top: 7px; padding: 14px 15px; border: 1px solid #cfd5db; background: #fff; color: var(--ink);
  outline: none; text-transform: none; letter-spacing: normal; font-weight: 400;
}
input:focus, select:focus, textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(207,169,83,.16); }
.form-buttons { display: flex; gap: 12px; }
.form-note { color: var(--gray); font-size: 12px; margin-bottom: 0; }
.form-success { background: #eaf6f1; padding: 24px; margin-top: 20px; }

.site-footer { background: var(--navy); color: white; padding: 60px 0 32px; }
.footer-top { display: flex; justify-content: space-between; gap: 50px; }
.footer-top img { width: 240px; }
.footer-top p { color: var(--gold); font-weight: 700; }
.footer-contact { display: flex; flex-direction: column; align-items: flex-end; text-align: right; gap: 6px; }
.footer-contact a:hover { color: var(--gold); }
.disclaimer { border-top: 1px solid rgba(255,255,255,.15); margin-top: 35px; padding-top: 24px; color: #aebbc7; font-size: 12px; }

@media (max-width: 980px) {
  .primary-nav { display: none; position: absolute; top: 92px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: white; padding: 18px 20px 28px; box-shadow: var(--shadow); }
  .primary-nav.open { display: flex; }
  .primary-nav a { padding: 13px 0; }
  .nav-cta { padding: 14px 18px !important; text-align: center; margin-top: 8px; }
  .menu-toggle { display: block; }
  .hero-grid, .split-heading, .readiness-grid, .human-grid, .request-grid { grid-template-columns: 1fr; }
  .hero-visual { min-height: 570px; }
  .snapshot-card { width: 70%; }
  .split-heading { gap: 26px; }
  .program-grid, .process-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .container { width: min(100% - 28px, 1180px); }
  .nav-wrap { min-height: 76px; }
  .brand img { width: 180px; }
  .primary-nav { top: 76px; }
  .hero { padding-top: 62px; }
  .hero-visual { min-height: 470px; }
  .snapshot-card { width: 92%; margin-left: 0; margin-bottom: 20px; padding: 18px; }
  .hero-strip { grid-template-columns: 1fr; transform: translateY(25px); }
  .hero-strip > div { border-right: 0; border-bottom: 1px solid var(--line); }
  .section { padding: 82px 0; }
  .section-light { padding-top: 120px; }
  .program-grid, .process-grid, .field-grid { grid-template-columns: 1fr; }
  .metric-grid { display: grid; grid-template-columns: 1fr 1fr; }
  .footer-top { flex-direction: column; }
  .footer-contact { align-items: flex-start; text-align: left; }
}