:root {
  --ink: #102027;
  --muted: #64727a;
  --line: #dbe4e7;
  --soft: #f5f8f7;
  --sea: #0f7b78;
  --sea-dark: #0a5d5b;
  --mint: #dff1ec;
  --gold: #b88746;
  --white: #ffffff;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  letter-spacing: 0;
}

a {
  color: var(--sea);
  text-decoration: none;
}

a:hover {
  color: var(--sea-dark);
}

.top-call {
  background: var(--ink);
  color: var(--white);
  font-size: 0.95rem;
}

.top-call a {
  color: var(--white);
  font-weight: 700;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  box-shadow: 0 8px 24px rgba(16, 32, 39, 0.08);
}

.navbar {
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
}

.navbar-brand {
  font-weight: 800;
  color: var(--ink);
  line-height: 1.05;
}

.brand-mark {
  display: inline-grid;
  width: 42px;
  height: 42px;
  place-items: center;
  background: var(--sea);
  color: var(--white);
  border-radius: 8px;
  margin-right: 0.65rem;
}

.nav-link {
  color: var(--ink);
  font-weight: 650;
}

.nav-link:hover,
.nav-link:focus {
  color: var(--sea);
}

.btn {
  border-radius: 8px;
  font-weight: 750;
  padding: 0.8rem 1.05rem;
}

.btn-primary {
  background: var(--sea);
  border-color: var(--sea);
}

.btn-primary:hover,
.btn-primary:focus {
  background: var(--sea-dark);
  border-color: var(--sea-dark);
}

.btn-outline-primary {
  color: var(--sea);
  border-color: var(--sea);
}

.btn-outline-primary:hover,
.btn-outline-primary:focus {
  background: var(--sea);
  border-color: var(--sea);
}

.hero {
  min-height: 72vh;
  display: flex;
  align-items: center;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(12, 32, 39, 0.84), rgba(12, 32, 39, 0.48)),
    url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&w=1800&q=80") center/cover;
}

.hero.compact {
  min-height: 46vh;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: var(--gold);
  font-weight: 800;
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
}

.hero h1,
.page-hero h1 {
  font-size: clamp(2.15rem, 5vw, 4.85rem);
  line-height: 1;
  font-weight: 850;
  letter-spacing: 0;
}

.hero p,
.page-hero p {
  font-size: clamp(1.04rem, 2vw, 1.24rem);
  color: rgba(255, 255, 255, 0.88);
}

.section {
  padding: 5rem 0;
}

.section-tight {
  padding: 3.5rem 0;
}

.section-soft {
  background: var(--soft);
}

.section-dark {
  background: var(--ink);
  color: var(--white);
}

.section-dark p,
.section-dark .text-muted {
  color: rgba(255, 255, 255, 0.74) !important;
}

.section-title {
  font-weight: 850;
  line-height: 1.08;
}

.lead-muted {
  color: var(--muted);
  font-size: 1.08rem;
}

.feature-card,
.service-card,
.blog-card,
.info-card {
  height: 100%;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.45rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.feature-card:hover,
.service-card:hover,
.blog-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(16, 32, 39, 0.1);
}

.icon-box {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--mint);
  color: var(--sea);
  font-size: 1.2rem;
  margin-bottom: 1rem;
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  overflow: hidden;
}

.stat-row > div {
  padding: 1rem;
  border-right: 1px solid rgba(255, 255, 255, 0.18);
}

.stat-row > div:last-child {
  border-right: 0;
}

.stat-value {
  display: block;
  font-size: 1.55rem;
  font-weight: 850;
  color: var(--white);
}

.image-panel {
  min-height: 430px;
  border-radius: 8px;
  background: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1300&q=80") center/cover;
}

.image-panel.office {
  background-image: url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1300&q=80");
}

.page-hero {
  padding: 5.5rem 0;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(16, 32, 39, 0.88), rgba(16, 32, 39, 0.58)),
    url("https://images.unsplash.com/photo-1564013799919-ab600027ffc6?auto=format&fit=crop&w=1800&q=80") center/cover;
}

.breadcrumb-lite {
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.92rem;
}

.breadcrumb-lite a {
  color: var(--white);
  font-weight: 700;
}

.content h2,
.content h3 {
  font-weight: 830;
  margin-top: 2rem;
}

.content p,
.content li {
  color: #46545c;
  line-height: 1.75;
}

.check-list {
  padding-left: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 1.8rem;
  margin-bottom: 0.75rem;
}

.check-list li::before {
  content: "\f00c";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  color: var(--sea);
}

.cta-band {
  background: linear-gradient(135deg, var(--sea), #1c9585);
  color: var(--white);
}

.cta-band p {
  color: rgba(255, 255, 255, 0.84);
}

.accordion-button {
  font-weight: 750;
}

.accordion-button:not(.collapsed) {
  color: var(--sea-dark);
  background: var(--mint);
}

.footer {
  background: #071316;
  color: rgba(255, 255, 255, 0.75);
  padding: 4rem 0 2rem;
}

.footer a {
  color: rgba(255, 255, 255, 0.78);
}

.footer a:hover {
  color: var(--white);
}

.footer h2,
.footer h3 {
  color: var(--white);
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 1rem;
}

.footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer li {
  margin-bottom: 0.55rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 2.5rem;
  padding-top: 1.25rem;
  font-size: 0.92rem;
}

@media (max-width: 991.98px) {
  .hero {
    min-height: 68vh;
  }

  .navbar-collapse {
    padding-top: 1rem;
  }
}

@media (max-width: 767.98px) {
  .top-call .container {
    justify-content: center !important;
    text-align: center;
  }

  .section {
    padding: 3.5rem 0;
  }

  .hero,
  .hero.compact {
    min-height: auto;
    padding: 4.5rem 0;
  }

  .stat-row {
    grid-template-columns: 1fr;
  }

  .stat-row > div {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  }

  .stat-row > div:last-child {
    border-bottom: 0;
  }

  .image-panel {
    min-height: 300px;
  }
}

/* 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%;
  }
}