:root{
    --navy:#102a43;
    --navy-2:#1a3a5c;
    --green:#12945f;
    --green-dark:#0d7a4c;
    --green-light:#e6f6ee;
    --amber:#f5a524;
    --ink:#1f2d3d;
    --muted:#647587;
    --border:#e3e8ee;
    --bg:#ffffff;
    --bg-soft:#f4f7f9;
    --danger:#d8481f;
    --red:#e0342c;
    --blue-flag:#1a3a7a;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'Inter',system-ui,sans-serif;
    color:var(--ink);
    background:var(--bg);
    line-height:1.55;
  }
  img,svg{max-width:100%;display:block;}
  a{color:inherit;text-decoration:none;}
  .container{max-width:1160px;margin:0 auto;padding:0 24px;}
  section{padding:72px 0;}
  h1,h2,h3{margin:0 0 12px;line-height:1.15;font-family:'Baloo 2',system-ui,sans-serif;color:var(--navy);}
  h2{font-size:32px;font-weight:700;}
  h3{font-weight:700;}
  p{color:var(--muted);margin:0 0 16px;}
  .icon-svg{width:22px;height:22px;stroke:var(--green);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}

  /* Header */
  header{
    position:sticky;top:0;z-index:50;
    background:#fff;
    border-bottom:1px solid var(--border);
  }
  .nav-wrap{
    display:flex;align-items:center;justify-content:space-between;
    min-height:84px;padding:14px 0;gap:12px;
  }
  .logo{display:flex;align-items:center;gap:10px;min-width:0;flex-shrink:1;}
  .logo-dots{width:38px;height:30px;flex-shrink:0;}
  .logo-text{display:flex;flex-direction:column;line-height:1;min-width:0;}
  .logo-text .wordmark{font-family:'Baloo 2',sans-serif;font-size:23px;font-weight:700;color:var(--navy);letter-spacing:-.2px;white-space:nowrap;}
  .logo-text .wordmark span{color:var(--red);}
  .logo-text .tagline{font-size:8px;font-weight:700;letter-spacing:.08em;color:var(--navy);margin-top:2px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
  nav.links{display:flex;gap:30px;align-items:center;}
  nav.links a{font-size:15px;font-weight:600;color:var(--navy-2);}
  nav.links a:hover{color:var(--green);}
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:8px;
    padding:14px 26px;border-radius:999px;font-weight:700;font-size:15px;
    border:1.5px solid transparent;cursor:pointer;font-family:inherit;
    white-space:nowrap;flex-shrink:0;
  }
  .btn-primary{background:var(--green);color:#fff;}
  .btn-primary:hover{background:var(--green-dark);}
  .btn-outline{background:transparent;border-color:var(--navy);color:var(--navy);}
  .btn-outline:hover{background:var(--navy);color:#fff;}
  .header-cta{display:flex;gap:12px;flex-shrink:0;}
  .menu-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--navy);padding:6px;flex-shrink:0;}
  .menu-toggle svg{width:26px;height:26px;stroke:var(--navy);stroke-width:2;fill:none;}
  @media(max-width:420px){
    .header-cta .btn{padding:12px 18px;font-size:14px;}
    .logo-text .tagline{display:none;}
  }

  /* Mobile nav overlay */
  .mobile-nav{
    position:fixed;inset:0;background:#fff;z-index:100;
    display:flex;flex-direction:column;
    transform:translateX(100%);transition:transform .28s ease;
  }
  .mobile-nav.open{transform:translateX(0);}
  .mobile-nav-top{
    display:flex;justify-content:flex-end;align-items:center;
    height:84px;padding:0 24px;border-bottom:1px solid var(--border);flex-shrink:0;
  }
  .mobile-nav-close{background:none;border:none;cursor:pointer;padding:6px;color:var(--navy);}
  .mobile-nav-close svg{width:26px;height:26px;stroke:var(--navy);stroke-width:2.2;fill:none;}
  .mobile-nav-links{flex:1;overflow-y:auto;padding:12px 24px;}
  .mobile-nav-links a{
    display:block;padding:22px 0;font-size:20px;font-weight:600;color:var(--navy-2);
    border-bottom:1px solid var(--border);
  }
  .mobile-nav-links a.current{color:var(--navy);font-weight:700;}
  .mobile-nav-links a:hover{color:var(--green);}
  .mobile-nav-cta{padding:20px 24px 28px;flex-shrink:0;}
  .mobile-nav-cta .btn{width:100%;}
  body.nav-open{overflow:hidden;}
  @media(min-width:921px){ .mobile-nav{display:none;} }

  /* Hero */
  .hero{
    background:linear-gradient(180deg,#e9f7f0 0%, #f4fbf7 45%, #fff 100%);
    padding:56px 0 24px;
  }
  .hero-grid{
    display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start;
  }
  .badges{display:flex;align-items:center;gap:12px;margin-bottom:20px;flex-wrap:wrap;}
  .badge{
    font-size:13.5px;font-weight:700;color:var(--green-dark);
    background:var(--green-light);padding:8px 18px;border-radius:20px;
  }
  .badge-dot{width:5px;height:5px;border-radius:50%;background:var(--green);}
  .hero h1{font-size:46px;font-weight:800;color:var(--navy);}
  .hero h1 .accent{color:var(--green);}
  .hero p.lead{font-size:17.5px;max-width:480px;}
  .hero-cta{display:flex;flex-direction:column;gap:14px;margin:24px 0 30px;max-width:340px;}
  .hero-cta .btn{width:100%;}
  ul.checklist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px;}
  ul.checklist li{display:flex;align-items:center;gap:12px;font-size:15.5px;color:var(--navy-2);font-weight:600;}
  ul.checklist li svg{width:20px;height:20px;stroke:var(--green);stroke-width:2.5;fill:none;flex-shrink:0;}

  /* Loan card / application */
  .loan-card{
    background:#fff;border:1px solid var(--border);border-radius:18px;
    box-shadow:0 24px 48px -24px rgba(16,42,67,.2);
    padding:32px;
  }
  .loan-card h3{font-size:24px;text-align:center;margin-bottom:18px;font-weight:700;}
  .progress-label{display:flex;justify-content:space-between;font-size:14px;color:var(--navy-2);margin-bottom:8px;font-weight:600;}
  .progress-track{height:9px;background:var(--bg-soft);border-radius:5px;overflow:hidden;margin-bottom:26px;}
  .progress-fill{height:100%;width:33%;background:var(--amber);border-radius:5px;}
  .section-label{
    display:flex;align-items:center;gap:10px;margin-bottom:22px;
  }
  .section-label .bar{width:4px;height:18px;background:var(--green);border-radius:2px;}
  .section-label span{font-size:13px;font-weight:800;letter-spacing:.06em;color:var(--navy);text-transform:uppercase;}
  .field{margin-bottom:22px;}
  .field label{display:block;font-size:14.5px;font-weight:600;color:var(--navy-2);margin-bottom:9px;}
  .field label .req{color:var(--red);}
  .amount-input{
    display:flex;align-items:center;border:1.5px solid var(--border);border-radius:10px;
    padding:0 16px;background:#fff;
  }
  .amount-input span{color:var(--navy-2);font-weight:700;margin-right:4px;}
  .amount-input input{
    border:none;background:transparent;padding:15px 0;font-size:16px;width:100%;outline:none;font-family:inherit;
  }
  select, input[type=text], input[type=email], input[type=tel], textarea{
    width:100%;border:1.5px solid var(--border);border-radius:10px;
    padding:14px 16px;font-size:15px;font-family:inherit;background:#fff;
    outline:none;color:var(--ink);
  }
  select:focus, input:focus, textarea:focus{border-color:var(--green);}
  ::placeholder{color:#9aa7b4;}
  .field-error{display:none;color:var(--danger);font-size:13px;margin-top:6px;}
  .field.invalid .field-error{display:block;}
  .field.invalid select, .field.invalid input, .field.invalid .amount-input{border-color:var(--danger);}
  .loan-card .btn-primary{width:100%;padding:16px;font-size:16px;}
  .step-actions{display:flex;gap:12px;}
  .step-actions .btn{flex:1;padding:16px;font-size:16px;}
  .review-box{
    background:var(--bg-soft);border:1px solid var(--border);border-radius:12px;
    padding:18px 20px;margin-bottom:22px;
  }
  .review-box .review-row{
    display:flex;justify-content:space-between;gap:12px;
    padding:11px 0;border-bottom:1px solid var(--border);font-size:14.5px;
  }
  .review-box .review-row:last-child{border-bottom:none;}
  .review-box .review-row .k{color:var(--muted);font-weight:600;}
  .review-box .review-row .v{color:var(--navy);font-weight:700;text-align:right;}
  .form-success{
    display:none;align-items:flex-start;gap:12px;
    margin-top:20px;padding:16px 18px;border-radius:12px;
    background:var(--green-light);border:1px solid #bfe8d4;
  }
  .form-success.show{display:flex;}
  .form-success svg{width:22px;height:22px;stroke:var(--green-dark);stroke-width:2;fill:none;flex-shrink:0;margin-top:1px;}
  .form-success p{margin:0;font-size:14.5px;color:var(--navy-2);}
  .form-success strong{color:var(--navy);}

  /* Feature grid */
  .section-head{max-width:640px;margin:0 auto 48px;text-align:center;}
  .section-head h2{font-size:32px;}
  .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  .grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
  .card{
    background:#fff;border:1.5px solid var(--border);border-radius:16px;padding:30px;
  }
  .card .icon{
    width:48px;height:48px;border-radius:12px;
    background:var(--green-light);
    display:flex;align-items:center;justify-content:center;margin-bottom:18px;
  }
  .card h3{font-size:19px;}
  .card p{font-size:14.5px;margin:0;}

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

  /* How it works */
  .steps{display:flex;flex-direction:column;gap:36px;max-width:700px;margin:0 auto;}
  .step{display:flex;gap:20px;align-items:flex-start;}
  .step .icon-circle{
    width:56px;height:56px;border-radius:50%;background:var(--green-light);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .step .num{font-size:13px;font-weight:800;letter-spacing:.06em;color:var(--green);margin-bottom:6px;text-transform:uppercase;}
  .step h3{font-size:19px;margin-bottom:6px;}
  .step p{font-size:14.5px;margin:0;}
  .questions-box{
    margin:56px auto 0;max-width:700px;background:var(--bg-soft);color:var(--navy);border-radius:18px;
    padding:44px;text-align:center;
  }
  .questions-box h3{font-size:26px;margin-bottom:10px;}
  .questions-box p{color:var(--muted);margin:0 auto 26px;max-width:440px;}
  .questions-box .actions{display:flex;flex-direction:column;gap:12px;max-width:320px;margin:0 auto;}
  .questions-box .actions .btn{width:100%;}

  /* FAQ */
  .faq-item{border-bottom:1px solid var(--border);}
  .faq-q{
    width:100%;text-align:left;background:none;border:none;cursor:pointer;
    padding:24px 4px;display:flex;justify-content:space-between;align-items:center;gap:16px;
    font-size:17px;font-weight:700;color:var(--navy);font-family:inherit;
  }
  .faq-item.open .faq-q{color:var(--green);}
  .faq-q .chev{width:20px;height:20px;stroke:var(--navy);stroke-width:2.5;fill:none;transition:transform .2s ease;flex-shrink:0;}
  .faq-item.open .chev{transform:rotate(180deg);stroke:var(--green);}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
  .faq-a p{padding:0 4px 24px;margin:0;font-size:15px;}

  /* CTA */
  .cta{
    background:var(--green);
    color:#fff;text-align:center;border-radius:22px;padding:60px 40px;
  }
  .cta h2{color:#fff;font-size:36px;}
  .cta p{color:rgba(255,255,255,.9);max-width:520px;margin:0 auto 28px;}
  .cta .actions{display:flex;flex-direction:column;gap:12px;max-width:320px;margin:0 auto;}
  .cta .btn{width:100%;}
  .cta .btn-primary{background:#fff;color:var(--green-dark);}
  .cta .btn-primary:hover{background:#eafbf2;}
  .cta .btn-outline{border-color:#fff;color:#fff;}
  .cta .btn-outline:hover{background:#fff;color:var(--green-dark);}

  /* Contact */
  .contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;}
  .contact-info .item{display:flex;gap:16px;margin-bottom:28px;}
  .contact-info .icon{
    width:46px;height:46px;border-radius:12px;background:var(--green-light);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .contact-info h3{font-size:16.5px;margin-bottom:4px;}
  .contact-info p{margin:0;font-size:14.5px;}
  .contact-form{background:#fff;border:1.5px solid var(--border);border-radius:18px;padding:32px;}
  .contact-form h3{font-size:22px;}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}

  footer{background:var(--navy);color:#b9c6d4;padding:56px 0 28px;}
  .footer-top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:24px;}
  footer .logo-text .wordmark{color:#fff;}
  footer .logo-text .tagline{color:#b9c6d4;}
  .footer-links{display:flex;gap:26px;flex-wrap:wrap;font-size:14.5px;}
  .footer-links a:hover{color:#fff;}
  .footer-bottom{font-size:13.5px;color:#7c8ea1;text-align:center;}

  @media(min-width:640px){
    .hero-cta{flex-direction:row;max-width:none;}
    .hero-cta .btn{width:auto;}
    .questions-box .actions{flex-direction:row;max-width:none;justify-content:center;}
    .questions-box .actions .btn{width:auto;}
    .cta .actions{flex-direction:row;max-width:none;justify-content:center;}
    .cta .btn{width:auto;}
  }
  @media(max-width:920px){
    .hero-grid{grid-template-columns:1fr;}
    .grid-3, .grid-4{grid-template-columns:repeat(2,1fr);}
    .contact-grid{grid-template-columns:1fr;}
    nav.links{display:none;}
    .menu-toggle{display:block;}
    .form-row{grid-template-columns:1fr;}
  }
  @media(max-width:560px){
    .grid-3, .grid-4{grid-template-columns:1fr;}
    .hero h1{font-size:36px;}
    h2, .section-head h2{font-size:27px;}
    section{padding:52px 0;}
    .step{flex-direction:column;text-align:left;}
  }

  :focus-visible{outline:2px solid var(--green);outline-offset:2px;}
  @media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important;}}

/* Easy date-of-birth layout */
.dob-grid{display:grid;grid-template-columns:1.4fr .8fr 1fr;gap:10px}
.dob-grid select{width:100%}
@media(max-width:520px){.dob-grid{grid-template-columns:1fr 1fr 1fr;gap:8px}}