:root{
  --primary:#0b1f33;
  --secondary:#2f6fed;
  --accent:#f4b860;
  --ink:#142033;
  --muted:#66758c;
  --bg:#f6f8fc;
  --card:#ffffff;
  --border:rgba(14,31,51,.08);
  --shadow:0 24px 60px rgba(10,26,54,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.65;
}
a{text-decoration:none}
.topbar{
  background:linear-gradient(90deg,var(--primary),#12345b);
  color:#fff;
  font-size:.94rem;
}
.topbar a{color:#fff;font-weight:700}
.navbar{
  backdrop-filter:saturate(180%) blur(8px);
  background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--border);
}
.navbar-brand{
  font-weight:800;
  letter-spacing:-.02em;
  color:var(--primary)!important;
}
.nav-link{
  color:var(--ink)!important;
  font-weight:600;
  margin:0 .35rem;
}
.nav-link:hover{color:var(--secondary)!important}
.hero{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(circle at top right, rgba(47,111,237,.14), transparent 28%),
    radial-gradient(circle at 10% 20%, rgba(244,184,96,.14), transparent 22%),
    linear-gradient(180deg,#f8fbff 0%, #eef4ff 100%);
  padding:6.5rem 0 4.25rem;
}
.hero-card{
  background:rgba(255,255,255,.86);
  border:1px solid rgba(255,255,255,.8);
  box-shadow:var(--shadow);
  border-radius:28px;
  padding:2rem;
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:.55rem;
  padding:.45rem .9rem;
  background:#fff;
  border:1px solid var(--border);
  border-radius:999px;
  color:var(--secondary);
  font-weight:700;
  font-size:.88rem;
}
.display-title{
  font-size:clamp(2.2rem, 5vw, 4.35rem);
  line-height:1.03;
  letter-spacing:-.04em;
  font-weight:900;
  color:var(--primary);
}
.hero p.lead{
  color:#415068;
  max-width:48rem;
}
.hero-panel{
  background:linear-gradient(180deg,#ffffff,#f9fbff);
  border:1px solid var(--border);
  border-radius:26px;
  box-shadow:var(--shadow);
  padding:1.25rem;
}
.mini-stat{
  background:#fff;
  border:1px solid var(--border);
  border-radius:20px;
  padding:1rem;
  height:100%;
}
.mini-stat i{
  width:46px;height:46px;display:inline-grid;place-items:center;
  border-radius:14px;background:#eef4ff;color:var(--secondary);
  margin-bottom:.75rem;
}
.section{
  padding:4.5rem 0;
}
.section-title{
  font-size:clamp(1.8rem,3vw,3rem);
  font-weight:800;
  letter-spacing:-.03em;
  color:var(--primary);
}
.section-subtitle{
  color:var(--muted);
  max-width:52rem;
}
.soft-panel{
  background:var(--bg);
  border-radius:28px;
  padding:1.2rem;
}
.card-clean{
  position: relative;
  background:var(--card);
  border:1px solid var(--border);
  border-radius:24px;
  box-shadow:0 18px 35px rgba(10,26,54,.05);
  height:100%;
  overflow:hidden;
}
.card-clean .icon-badge{
  width:58px;height:58px;border-radius:18px;
  display:grid;place-items:center;
  background:linear-gradient(135deg,#eef4ff,#fff7eb);
  color:var(--secondary);
  font-size:1.3rem;
}
.card-clean h3,.card-clean h2{font-size:1.3rem;font-weight:800;color:var(--primary)}
.feature-list li{margin-bottom:.6rem}
.cta-band{
  background:linear-gradient(135deg,var(--primary),#143c66);
  color:#fff;
  border-radius:30px;
  padding:2.2rem;
  box-shadow:var(--shadow);
}
.cta-band .btn{
  border-radius:999px;
  padding:.9rem 1.25rem;
  font-weight:700;
}
.btn-primary{
  background:var(--secondary);
  border-color:var(--secondary);
}
.btn-outline-light:hover{color:var(--primary)}
.page-hero{
  background:linear-gradient(180deg,#f9fbff,#eff4fd);
  padding:4.5rem 0 2.4rem;
}
.breadcrumb a{color:var(--secondary)}
.content-wrap h2, .content-wrap h3{
  color:var(--primary);
  font-weight:800;
  letter-spacing:-.02em;
  margin-top:1.75rem;
}
.content-wrap p, .content-wrap li{color:#415068}
.sidebar-card{
  position:sticky;
  top:110px;
}
.footer{
  background:#0d1828;
  color:rgba(255,255,255,.82);
  padding-top:4rem;
}
.footer h5{color:#fff;font-weight:800}
.footer a{color:rgba(255,255,255,.82)}
.footer a:hover{color:#fff}
.footer .footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);
  margin-top:2rem;
  padding:1rem 0 1.5rem;
}
.bullet-check{
  list-style:none;padding-left:0;
}
.bullet-check li{
  position:relative;padding-left:1.8rem;margin-bottom:.7rem;
}
.bullet-check li:before{
  content:"\f058";font-family:"Font Awesome 6 Free";font-weight:900;
  position:absolute;left:0;top:.1rem;color:var(--secondary);
}
.contact-box{
  background:#fff;
  border:1px solid var(--border);
  border-radius:26px;
  padding:2rem;
  box-shadow:var(--shadow);
}
.badge-chip{
  display:inline-block;background:#eef4ff;color:var(--secondary);font-weight:700;
  padding:.45rem .8rem;border-radius:999px;font-size:.85rem;
}
@media (max-width: 991.98px){
  .hero{padding-top:5.25rem}
  .sidebar-card{position:static}
}

/* 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%;
  }
}