:root {
  --navy: #071a2b;
  --navy-2: #0b263d;
  --blue: #0d6efd;
  --green: #6fd06b;
  --cream: #f5f7f4;
  --text: #17212b;
  --muted: #667481;
  --line: #dfe6e9;
  --white: #fff;
  --shadow: 0 18px 50px rgba(7, 26, 43, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}
a { color: inherit; text-decoration: none; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.narrow { max-width: 900px; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(223,230,233,.8);
}
.nav-wrap { min-height: 78px; display:flex; align-items:center; justify-content:space-between; gap:30px; }
.brand { display:flex; align-items:center; gap:10px; font-size:22px; font-weight:800; letter-spacing:-.7px; }
.brand-mark {
  display:grid; place-items:center; width:36px; height:36px; border-radius:10px;
  background:var(--navy); color:var(--green); font-weight:800;
}
.brand-llc { font-weight:500; color:#77828c; }
.nav { display:flex; align-items:center; gap:28px; font-size:14px; font-weight:600; }
.nav a { color:#43515d; }
.nav a:hover, .nav a.active { color:var(--navy); }
.nav-cta { background:var(--navy); color:white !important; padding:12px 18px; border-radius:7px; }
.menu-toggle { display:none; border:0; background:none; font-size:26px; }

.hero {
  background:
    radial-gradient(circle at 80% 20%, rgba(111,208,107,.17), transparent 28%),
    linear-gradient(135deg, #f5f8f6 0%, #eef4f2 100%);
  padding:90px 0 75px;
}
.hero-grid { display:grid; grid-template-columns: 1.2fr .8fr; gap:70px; align-items:center; }
.eyebrow { margin:0 0 14px; font-size:12px; font-weight:800; letter-spacing:2px; color:#628073; }
.hero h1 { margin:0; font-size:clamp(46px, 6vw, 76px); line-height:1.02; letter-spacing:-3.5px; color:var(--navy); }
.hero h1 span { color:#3c8d5a; }
.hero-text { max-width:650px; margin:24px 0 30px; font-size:18px; color:#5d6c77; }
.hero-actions { display:flex; flex-wrap:wrap; gap:12px; }
.btn { display:inline-flex; align-items:center; justify-content:center; padding:14px 21px; border-radius:7px; font-size:14px; font-weight:700; }
.btn-primary { background:var(--navy); color:white; }
.btn-primary:hover { background:#102e47; }
.btn-outline { border:1px solid #b7c3c9; background:white; }
.btn-light { background:white; color:var(--navy); }
.hero-trust { display:flex; gap:34px; margin-top:42px; }
.hero-trust div { display:flex; flex-direction:column; }
.hero-trust strong { color:var(--navy); font-size:15px; }
.hero-trust span { color:#74818b; font-size:12px; }
.hero-card {
  position:relative; min-height:430px; padding:35px; border-radius:20px; overflow:hidden;
  background:var(--navy); color:white; box-shadow:var(--shadow);
  display:flex; flex-direction:column; justify-content:flex-end;
}
.hero-card:before {
  content:""; position:absolute; width:330px; height:330px; border-radius:50%;
  border:1px solid rgba(111,208,107,.35); right:-100px; top:-100px;
}
.hero-card:after {
  content:""; position:absolute; width:220px; height:220px; border-radius:50%;
  border:1px solid rgba(111,208,107,.18); right:-45px; top:-45px;
}
.hero-card-top { position:absolute; top:28px; left:30px; right:30px; display:flex; justify-content:space-between; font-size:11px; letter-spacing:1.5px; color:#a7b9c7; }
.dot { width:8px; height:8px; border-radius:50%; background:var(--green); }
.hero-card-number { font-size:100px; line-height:.8; color:var(--green); font-weight:800; opacity:.9; }
.hero-card h2 { margin:25px 0 8px; font-size:30px; line-height:1.15; }
.hero-card p { color:#b7c5cf; margin:0 0 25px; }
.card-link { color:var(--green); font-weight:700; }

.section { padding:95px 0; }
.section-heading { display:flex; justify-content:space-between; align-items:end; gap:30px; margin-bottom:42px; }
.section h2, .dark-section h2, .cta-section h2 { margin:0; font-size:clamp(34px, 4vw, 52px); line-height:1.1; letter-spacing:-2px; color:var(--navy); }
.text-link { font-weight:700; color:#397653; white-space:nowrap; }
.card-grid { display:grid; grid-template-columns:repeat(4, 1fr); gap:18px; }
.loan-card { padding:30px; border:1px solid var(--line); border-radius:12px; transition:.2s ease; background:white; }
.loan-card:hover { transform:translateY(-5px); box-shadow:var(--shadow); }
.icon { display:grid; place-items:center; width:44px; height:44px; border-radius:10px; background:#edf5ef; color:#3d8b59; font-size:20px; font-weight:800; margin-bottom:25px; }
.loan-card h3 { margin:0 0 10px; font-size:21px; color:var(--navy); }
.loan-card p { margin:0 0 22px; color:var(--muted); font-size:14px; }
.loan-card a { font-size:13px; color:#397653; font-weight:800; }

.dark-section { padding:100px 0; background:var(--navy); color:white; }
.dark-section h2 { color:white; max-width:560px; }
.muted { color:#a9bac6; max-width:570px; margin-top:22px; }
.process-grid { display:grid; grid-template-columns:1fr 1fr; gap:80px; }
.steps { border-top:1px solid rgba(255,255,255,.15); }
.step { display:grid; grid-template-columns:55px 1fr; gap:20px; padding:25px 0; border-bottom:1px solid rgba(255,255,255,.15); }
.step > span { color:var(--green); font-weight:800; }
.step h3 { margin:0 0 5px; font-size:18px; }
.step p { margin:0; color:#9eb0bc; font-size:14px; }

.about-grid { display:grid; grid-template-columns:1.1fr .9fr; gap:80px; align-items:center; }
.about-panel h2 { margin-bottom:22px; }
.about-panel p { color:var(--muted); max-width:650px; }
.stats { display:grid; grid-template-columns:1fr 1fr; gap:1px; background:var(--line); border:1px solid var(--line); }
.stats div { background:white; padding:30px; min-height:130px; display:flex; flex-direction:column; gap:8px; }
.stats strong { font-size:28px; color:#3d8b59; }
.stats span { color:#5f6c76; font-size:13px; font-weight:600; }

.cta-section { padding:65px 0; background:#edf4ef; }
.cta-box { background:var(--navy); color:white; border-radius:18px; padding:55px; display:flex; justify-content:space-between; align-items:center; gap:35px; }
.cta-box h2 { color:white; }
.cta-box p { color:#b3c1ca; margin-bottom:0; }

.page-hero { background:var(--navy); padding:95px 0; color:white; }
.page-hero h1 { margin:0; max-width:850px; font-size:clamp(45px,6vw,72px); line-height:1.05; letter-spacing:-3px; }
.page-hero > .container > p:last-child { max-width:680px; color:#afc0cb; font-size:18px; margin-top:24px; }
.page-hero .eyebrow { color:var(--green); }

.program-row {
  display:grid; grid-template-columns:70px 1fr 190px; gap:35px;
  padding:60px 0; border-bottom:1px solid var(--line); align-items:start;
}
.program-number { font-size:14px; color:#4d8661; font-weight:800; }
.program-main h2 { margin:0 0 15px; font-size:38px; color:var(--navy); letter-spacing:-1px; }
.program-main > p:not(.eyebrow) { max-width:720px; color:var(--muted); }
.program-main ul { display:grid; grid-template-columns:1fr 1fr; gap:8px 25px; padding:0; margin:24px 0 0; list-style:none; color:#45545f; font-size:14px; }
.program-main li:before { content:"✓"; color:#3d8b59; font-weight:800; margin-right:8px; }
.program-link { color:#397653; font-weight:800; font-size:13px; padding-top:34px; }

footer { background:#05131f; color:#8fa2ae; padding:55px 0 20px; }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr; gap:50px; padding-bottom:45px; }
.footer-brand { color:white; }
footer h4 { color:white; margin:0 0 12px; }
footer a { display:block; margin:7px 0; font-size:14px; }
footer p { font-size:14px; }
.footer-bottom { border-top:1px solid rgba(255,255,255,.1); padding-top:20px; display:flex; justify-content:space-between; gap:20px; font-size:11px; }

@media (max-width: 900px) {
  .hero-grid, .process-grid, .about-grid { grid-template-columns:1fr; }
  .card-grid { grid-template-columns:1fr 1fr; }
  .hero-card { min-height:350px; }
  .program-row { grid-template-columns:45px 1fr; }
  .program-link { grid-column:2; padding-top:0; }
}
@media (max-width: 680px) {
  .container { width:min(100% - 28px, 1180px); }
  .nav { display:none; }
  .menu-toggle { display:block; }
  .hero { padding:65px 0; }
  .hero h1 { font-size:48px; }
  .hero-trust { flex-direction:column; gap:12px; }
  .card-grid { grid-template-columns:1fr; }
  .section, .dark-section { padding:70px 0; }
  .section-heading { align-items:flex-start; flex-direction:column; }
  .cta-box { padding:35px 25px; flex-direction:column; align-items:flex-start; }
  .program-row { grid-template-columns:1fr; gap:12px; padding:45px 0; }
  .program-main ul { grid-template-columns:1fr; }
  .program-link { grid-column:auto; }
  .footer-grid { grid-template-columns:1fr; gap:30px; }
  .footer-bottom { flex-direction:column; }
}