:root {
  --pacific: #0A3960;
  --pacific-dark: #052340;
  --pacific-light: #1E5F8C;
  --gold: #FFC72C;
  --gold-light: #FFD96B;
  --gold-dark: #D4A017;
  --cream: #F8FAFC;
  --cream-dark: #EDF2F7;
  --charcoal: #1A2332;
  --black: #0A1421;
  --gray: #4A5568;
  --gray-light: #A0AEC0;
  --white: #FFFFFF;
  --border: #DDE5ED;
  --success: #2D7A4A;
  --shadow-sm: 0 2px 8px rgba(10, 57, 96, 0.06);
  --shadow-md: 0 12px 32px rgba(10, 57, 96, 0.12);
  --shadow-lg: 0 24px 64px rgba(10, 57, 96, 0.18);
  --shadow-xl: 0 40px 100px rgba(10, 57, 96, 0.22);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; font-size: 16px; line-height: 1.7; color: var(--charcoal); background: var(--cream); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
h1, h2, h3, h4, h5, h6 { font-family: 'Playfair Display', Georgia, serif; font-weight: 700; line-height: 1.15; color: var(--charcoal); letter-spacing: -0.015em; }
h1 { font-size: clamp(2.75rem, 6vw, 4.75rem); font-weight: 800; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); }
h3 { font-size: clamp(1.5rem, 2.5vw, 1.875rem); }
h4 { font-size: 1.25rem; }
p { margin-bottom: 1.25rem; color: var(--gray); }
a { color: var(--pacific); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--pacific-light); }
img { max-width: 100%; height: auto; display: block; }
.container { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }

.top-bar { background: var(--black); color: rgba(255,255,255,0.7); padding: 8px 0; font-size: 0.8125rem; letter-spacing: 0.5px; }
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; }
.top-bar a { color: var(--gold-light); }

.site-header { background: rgba(255,255,255,0.96); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(221,229,237,0.6); position: sticky; top: 0; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.logo { display: flex; align-items: center; height: 92px; margin-left: -10px; }
.logo img { height: 92px; width: auto; display: block; }

.nav-menu { display: flex; gap: 36px; list-style: none; align-items: center; }
.nav-menu a { color: var(--charcoal); font-weight: 500; font-size: 0.9375rem; transition: color 0.2s; position: relative; }
.nav-menu a:not(.btn):hover { color: var(--pacific); }
.nav-menu a:not(.btn)::after { content: ''; position: absolute; bottom: -6px; left: 0; right: 0; height: 2px; background: var(--gold); transform: scaleX(0); transition: transform 0.2s; }
.nav-menu a:not(.btn):hover::after { transform: scaleX(1); }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 32px; border-radius: 4px; font-weight: 600; font-size: 0.9375rem; letter-spacing: 0.3px; transition: all 0.25s ease; cursor: pointer; border: none; font-family: inherit; text-decoration: none; white-space: nowrap; }
.btn-primary { background: linear-gradient(135deg, var(--pacific) 0%, var(--pacific-dark) 100%); color: var(--white); box-shadow: 0 6px 20px rgba(10,57,96,0.30); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(10,57,96,0.40); color: var(--white); }
.btn-gold { background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 50%, var(--gold-dark) 100%); color: var(--pacific-dark); box-shadow: 0 6px 20px rgba(255,199,44,0.35); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 14px 32px rgba(255,199,44,0.5); color: var(--pacific-dark); }
.btn-large { padding: 20px 44px; font-size: 1.0625rem; }
.btn-outline-light { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.4); }
.btn-outline-light:hover { background: rgba(255,255,255,0.1); border-color: var(--gold); color: var(--gold-light); }

.hero { position: relative; min-height: 92vh; display: flex; align-items: center; color: var(--white); overflow: hidden; background: var(--black); }
.hero-bg { position: absolute; inset: 0; z-index: 1; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(105deg, rgba(10,20,33,0.94) 0%, rgba(10,57,96,0.88) 45%, rgba(10,57,96,0.65) 75%, rgba(10,57,96,0.45) 100%); z-index: 2; }
.hero-overlay::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 90% 30%, rgba(255,199,44,0.12) 0%, transparent 50%); }
.hero-content { position: relative; z-index: 3; width: 100%; padding: 100px 0; }
.hero-inner { display: grid; grid-template-columns: 1.3fr 1fr; gap: 64px; align-items: center; }
.hero-text { max-width: 640px; }

/* Hero stat card on the right (like Brex/Ramp/OnDeck) */
.hero-card { background: rgba(10, 57, 96, 0.45); border: 1px solid rgba(255, 199, 44, 0.25); backdrop-filter: blur(20px); border-radius: 4px; padding: 36px; box-shadow: 0 24px 64px rgba(0,0,0,0.4); }
.hero-card-header { display: flex; align-items: center; justify-content: space-between; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,0.12); margin-bottom: 24px; }
.hero-card-title { font-family: 'Playfair Display', serif; font-size: 1.0625rem; color: var(--white); margin: 0; font-style: italic; }
.hero-card-badge { background: var(--gold); color: var(--pacific-dark); padding: 4px 12px; border-radius: 100px; font-size: 0.6875rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; }
.hero-stat-row { display: flex; justify-content: space-between; align-items: baseline; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.hero-stat-row:last-of-type { border-bottom: none; }
.hero-stat-label { color: rgba(255,255,255,0.7); font-size: 0.875rem; letter-spacing: 0.3px; }
.hero-stat-value { color: var(--gold-light); font-family: 'Playfair Display', serif; font-size: 1.375rem; font-weight: 700; }
.hero-stat-value.small { font-size: 1.125rem; }
.hero-card-footer { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.12); display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,0.85); font-size: 0.875rem; }
.hero-card-footer .pulse-dot { width: 8px; height: 8px; background: var(--success); border-radius: 50%; box-shadow: 0 0 0 0 var(--success); animation: pulseDot 2s infinite; }
@keyframes pulseDot { 0%,100% { box-shadow: 0 0 0 0 rgba(45,122,74,0.7); } 50% { box-shadow: 0 0 0 8px rgba(45,122,74,0); } }
.hero-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,199,44,0.12); color: var(--gold-light); padding: 10px 22px; border-radius: 100px; font-size: 0.8125rem; font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 32px; border: 1px solid rgba(255,199,44,0.3); }
.hero-badge::before { content: '★'; color: var(--gold); }
.hero h1 { color: var(--white); margin-bottom: 28px; font-size: clamp(2.5rem, 4.5vw, 4rem); font-weight: 800; line-height: 1.08; letter-spacing: -0.02em; }
.hero h1 .accent { color: var(--gold-light); font-style: italic; font-weight: 400; display: inline-block; }
.hero-sub { font-size: 1.25rem; color: rgba(255,255,255,0.88); margin-bottom: 44px; max-width: 620px; line-height: 1.65; font-weight: 300; }
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; margin-bottom: 56px; }
.hero-trust { display: flex; gap: 40px; flex-wrap: wrap; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.12); }
.hero-trust-item { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,0.92); font-size: 0.9375rem; font-weight: 500; }
.hero-trust-item .check { width: 28px; height: 28px; background: var(--gold); color: var(--pacific-dark); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.875rem; flex-shrink: 0; }

.stats-section { background: var(--black); color: var(--white); padding: 72px 0; position: relative; border-bottom: 1px solid rgba(255,199,44,0.15); }
.stats-section::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 48px; text-align: center; }
.stat-item { position: relative; }
.stat-item:not(:last-child)::after { content: ''; position: absolute; right: -24px; top: 20%; bottom: 20%; width: 1px; background: linear-gradient(180deg, transparent, rgba(255,199,44,0.3), transparent); }
.stat-item .stat-number { font-family: 'Playfair Display', serif; font-size: clamp(2.5rem, 4vw, 3.75rem); font-weight: 700; color: var(--gold); line-height: 1; margin-bottom: 12px; letter-spacing: -0.02em; }
.stat-item .stat-label { color: rgba(255,255,255,0.65); font-size: 0.875rem; letter-spacing: 1px; text-transform: uppercase; }

section { padding: 120px 0; position: relative; }
.section-header { text-align: center; margin-bottom: 72px; max-width: 760px; margin-left: auto; margin-right: auto; }
.section-eyebrow { display: inline-block; color: var(--gold-dark); font-size: 0.8125rem; font-weight: 600; letter-spacing: 3px; text-transform: uppercase; margin-bottom: 18px; position: relative; padding-left: 36px; }
.section-eyebrow::before { content: ''; position: absolute; left: 0; top: 50%; width: 28px; height: 1px; background: var(--gold); }
.section-eyebrow.center { padding-left: 0; display: flex; align-items: center; justify-content: center; gap: 16px; }
.section-eyebrow.center::before { position: static; width: 32px; }
.section-eyebrow.center::after { content: ''; width: 32px; height: 1px; background: var(--gold); }
.section-header h2 { margin-bottom: 20px; font-weight: 700; }
.section-header p { font-size: 1.1875rem; color: var(--gray); line-height: 1.7; }

.split-section { display: grid; grid-template-columns: 1.1fr 1fr; gap: 80px; align-items: center; }
.split-section.reverse { grid-template-columns: 1fr 1.1fr; }
.split-image { position: relative; border-radius: 4px; overflow: hidden; box-shadow: var(--shadow-xl); }
.split-image img { width: 100%; height: 600px; object-fit: cover; display: block; }
.split-image::after { content: ''; position: absolute; bottom: -20px; right: -20px; width: 40%; height: 40%; border: 2px solid var(--gold); z-index: -1; }
.split-content h2 { margin-bottom: 24px; }
.split-content > p { font-size: 1.0625rem; line-height: 1.85; margin-bottom: 24px; }
.split-features { list-style: none; margin-top: 32px; }
.split-features li { padding: 16px 0; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 16px; color: var(--charcoal); font-weight: 500; }
.split-features li:last-child { border-bottom: none; }
.split-features li::before { content: '✓'; width: 28px; height: 28px; background: linear-gradient(135deg, var(--gold-light), var(--gold-dark)); color: var(--pacific-dark); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-weight: 700; flex-shrink: 0; }

.grid { display: grid; gap: 32px; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(420px, 1fr)); }

.card { background: var(--white); padding: 40px 36px; border-radius: 4px; border: 1px solid var(--border); transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1); position: relative; overflow: hidden; }
.card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold-light), var(--gold), var(--gold-dark)); transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.card:hover::before { transform: scaleX(1); }
.card-icon { width: 64px; height: 64px; background: linear-gradient(135deg, var(--pacific) 0%, var(--pacific-dark) 100%); border-radius: 4px; display: flex; align-items: center; justify-content: center; font-size: 1.75rem; color: var(--gold); margin-bottom: 28px; font-family: 'Playfair Display', serif; font-weight: 700; position: relative; }
.card-icon::after { content: ''; position: absolute; bottom: -6px; right: -6px; width: 16px; height: 16px; background: var(--gold); border-radius: 2px; z-index: -1; }
.card h3 { font-size: 1.5rem; margin-bottom: 16px; color: var(--charcoal); letter-spacing: -0.01em; }
.card p { font-size: 0.9375rem; color: var(--gray); margin-bottom: 24px; line-height: 1.7; }
.card .card-link { color: var(--pacific); font-weight: 600; font-size: 0.875rem; display: inline-flex; align-items: center; gap: 8px; letter-spacing: 1px; text-transform: uppercase; }
.card .card-link::after { content: '→'; transition: transform 0.2s; }
.card:hover .card-link::after { transform: translateX(6px); }

.photo-card { position: relative; border-radius: 4px; overflow: hidden; height: 380px; cursor: pointer; transition: transform 0.5s ease; }
.photo-card img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; }
.photo-card:hover { transform: translateY(-4px); }
.photo-card:hover img { transform: scale(1.08); }
.photo-card-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 40%, rgba(10,20,33,0.92) 100%); display: flex; flex-direction: column; justify-content: flex-end; padding: 32px; color: var(--white); }
.photo-card-overlay h3 { color: var(--white); font-size: 1.5rem; margin-bottom: 8px; font-weight: 700; }
.photo-card-overlay p { color: rgba(255,255,255,0.85); font-size: 0.9375rem; margin: 0; line-height: 1.5; }

.city-card { position: relative; border-radius: 4px; overflow: hidden; height: 380px; cursor: pointer; transition: transform 0.5s ease, box-shadow 0.5s ease; box-shadow: 0 8px 24px rgba(10,57,96,0.18); display: block; text-decoration: none; background: #0A3960; }
.city-card-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; z-index: 0; }
.city-card::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(10,20,33,0.15) 0%, rgba(10,20,33,0.55) 60%, rgba(10,20,33,0.92) 100%); z-index: 1; }
.city-card:hover { transform: translateY(-6px); box-shadow: 0 18px 40px rgba(10,57,96,0.32); }
.city-card:hover .city-card-img { transform: scale(1.06); }
.city-card-tag { position: absolute; top: 24px; left: 28px; font-family: 'Inter', sans-serif; font-size: 0.7rem; letter-spacing: 0.18em; text-transform: uppercase; color: #FFC72C; font-weight: 700; z-index: 2; background: rgba(10,57,96,0.65); padding: 6px 12px; border-radius: 100px; backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.city-card-overlay { position: absolute; left: 0; right: 0; bottom: 0; padding: 28px 32px; color: #fff; z-index: 2; }
.city-card-overlay h3 { color: #fff; font-size: 1.75rem; margin-bottom: 8px; font-weight: 700; font-family: 'Playfair Display', serif; }
.city-card-overlay p { color: rgba(255,255,255,0.92); font-size: 0.9375rem; margin: 0; line-height: 1.5; }

.process { background: var(--cream); position: relative; }
.process::before, .process::after { content: ''; position: absolute; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.process::before { top: 0; }
.process::after { bottom: 0; }
.process-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 48px; position: relative; }
.process-step { text-align: center; position: relative; }
.step-number { width: 88px; height: 88px; background: var(--white); color: var(--pacific); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 2.5rem; font-weight: 700; margin-bottom: 28px; box-shadow: 0 16px 40px rgba(10,57,96,0.18); border: 2px solid var(--gold); position: relative; }
.step-number::after { content: ''; position: absolute; inset: -8px; border: 1px solid rgba(255,199,44,0.3); border-radius: 50%; }
.process-step h3 { font-size: 1.5rem; margin-bottom: 14px; }
.process-step p { font-size: 1rem; color: var(--gray); max-width: 280px; margin: 0 auto; }

.compare-section { background: var(--white); }
.compare-table { background: var(--white); border-radius: 4px; overflow: hidden; border: 1px solid var(--border); box-shadow: var(--shadow-md); }
.compare-table table { width: 100%; border-collapse: collapse; }
.compare-table th, .compare-table td { padding: 24px 32px; text-align: left; border-bottom: 1px solid var(--border); }
.compare-table th { background: linear-gradient(135deg, var(--pacific-dark), var(--pacific)); color: var(--white); font-weight: 600; font-family: 'Playfair Display', serif; font-size: 1.0625rem; text-transform: uppercase; letter-spacing: 1px; }
.compare-table th:first-child { font-style: italic; font-weight: 400; }
.compare-table th:last-child { color: var(--gold-light); }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover { background: var(--cream); }
.compare-table .check { color: var(--success); font-weight: 700; }
.compare-table .x { color: var(--gray-light); }

.quote-section { background: var(--charcoal); color: var(--white); position: relative; overflow: hidden; }
.quote-section::before { content: '"'; position: absolute; font-family: 'Playfair Display', serif; font-size: 24rem; color: rgba(255,199,44,0.06); top: -80px; left: 5%; line-height: 1; }
.quote-content { max-width: 880px; margin: 0 auto; text-align: center; position: relative; }
.quote-content blockquote { font-family: 'Playfair Display', serif; font-size: clamp(1.625rem, 3vw, 2.25rem); line-height: 1.4; color: var(--white); font-weight: 400; font-style: italic; margin-bottom: 32px; }
.quote-author { display: flex; align-items: center; justify-content: center; gap: 16px; }
.quote-author-name { font-weight: 600; color: var(--gold-light); font-size: 1.0625rem; }
.quote-author-title { color: rgba(255,255,255,0.65); font-size: 0.875rem; }

.cta-banner { position: relative; color: var(--white); padding: 140px 0; text-align: center; overflow: hidden; }
.cta-bg { position: absolute; inset: 0; z-index: 1; }
.cta-bg img { width: 100%; height: 100%; object-fit: cover; }
.cta-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(5,35,64,0.95) 0%, rgba(10,57,96,0.85) 100%); z-index: 2; }
.cta-banner > .container { position: relative; z-index: 3; }
.cta-banner h2 { color: var(--white); margin-bottom: 24px; font-size: clamp(2.25rem, 4vw, 3.5rem); }
.cta-banner h2 .accent { color: var(--gold-light); font-style: italic; }
.cta-banner p { color: rgba(255,255,255,0.92); font-size: 1.1875rem; max-width: 680px; margin: 0 auto 40px; }

.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: 4px; margin-bottom: 16px; overflow: hidden; transition: all 0.25s; }
.faq-item:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.faq-question { padding: 24px 32px; cursor: pointer; font-weight: 600; display: flex; justify-content: space-between; align-items: center; color: var(--charcoal); font-size: 1.0625rem; font-family: 'Playfair Display', serif; }
.faq-question::after { content: '+'; font-size: 1.5rem; color: var(--pacific); transition: transform 0.25s; font-weight: 300; }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer { padding: 0 32px; max-height: 0; overflow: hidden; transition: all 0.35s; color: var(--gray); }
.faq-item.open .faq-answer { padding: 0 32px 28px; max-height: 600px; }

.site-footer { background: var(--black); color: rgba(255,255,255,0.65); padding: 100px 0 32px; position: relative; }
.site-footer::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 64px; margin-bottom: 64px; }
.footer-brand .logo { margin-bottom: 24px; height: auto; }
.footer-brand .logo img { height: 88px; filter: brightness(0) invert(1); opacity: 0.95; }
.footer-brand p { color: rgba(255,255,255,0.55); font-size: 0.9375rem; line-height: 1.75; }
.footer-col h4 { color: var(--gold-light); font-family: 'Playfair Display', serif; font-size: 1.0625rem; font-weight: 600; margin-bottom: 24px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 14px; }
.footer-col a { color: rgba(255,255,255,0.65); font-size: 0.9375rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 28px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; color: rgba(255,255,255,0.4); font-size: 0.8125rem; letter-spacing: 0.5px; }

.page-hero { position: relative; color: var(--white); padding: 140px 0 100px; text-align: center; overflow: hidden; background: var(--black); }
.page-hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(5,35,64,0.95), rgba(10,57,96,0.85)); z-index: 2; }
.page-hero-bg { position: absolute; inset: 0; z-index: 1; }
.page-hero-bg img { width: 100%; height: 100%; object-fit: cover; opacity: 0.4; }
.page-hero > .container { position: relative; z-index: 3; }
.page-hero h1 { color: var(--white); margin-bottom: 20px; font-size: clamp(2.5rem, 5vw, 3.75rem); }
.page-hero p { color: rgba(255,255,255,0.9); font-size: 1.1875rem; max-width: 760px; margin: 0 auto; line-height: 1.6; }
.breadcrumb { padding: 18px 0; font-size: 0.875rem; color: var(--gray); border-bottom: 1px solid var(--border); background: var(--white); }
.breadcrumb a { color: var(--pacific); }

.article-content { padding: 96px 0; background: var(--white); }
.article-content h2 { margin: 56px 0 24px; color: var(--charcoal); }
.article-content h3 { margin: 36px 0 18px; color: var(--pacific); font-style: italic; }
.article-content p { font-size: 1.0625rem; line-height: 1.85; margin-bottom: 22px; color: var(--charcoal); }
.article-content ul, .article-content ol { margin: 24px 0 24px 28px; color: var(--charcoal); }
.article-content li { font-size: 1.0625rem; line-height: 1.85; margin-bottom: 12px; }
.article-content blockquote { border-left: 4px solid var(--gold); padding: 20px 0 20px 32px; margin: 36px 0; font-style: italic; font-size: 1.1875rem; color: var(--gray); }
.callout { background: var(--cream); border-left: 4px solid var(--gold); border-radius: 4px; padding: 28px 32px; margin: 36px 0; }
.callout strong { color: var(--pacific); display: block; margin-bottom: 8px; font-family: 'Playfair Display', serif; font-size: 1.125rem; }
.related-pages { background: var(--cream); padding: 96px 0; }

.apply-page { background: var(--cream); padding: 80px 0; }
.form-container { max-width: 880px; margin: 0 auto; background: var(--white); padding: 64px; border-radius: 4px; box-shadow: var(--shadow-lg); border-top: 4px solid var(--gold); }
.form-section { margin-bottom: 48px; }
.form-section h3 { color: var(--pacific); font-size: 1.5rem; padding-bottom: 16px; border-bottom: 2px solid var(--gold); margin-bottom: 28px; font-style: italic; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.form-group { display: flex; flex-direction: column; }
.form-group.full-width { grid-column: 1 / -1; }
.form-group label { font-size: 0.875rem; font-weight: 600; color: var(--charcoal); margin-bottom: 10px; letter-spacing: 0.3px; }
.form-group input, .form-group select, .form-group textarea { padding: 14px 18px; border: 1px solid var(--border); border-radius: 4px; font-family: inherit; font-size: 1rem; background: var(--white); transition: all 0.2s; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--pacific); box-shadow: 0 0 0 3px rgba(10,57,96,0.08); }

.mobile-toggle { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--charcoal); }

@media (max-width: 968px) {
  .nav-menu { display: none; }
  .mobile-toggle { display: block; }
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-card { max-width: 480px; }
  .split-section, .split-section.reverse { grid-template-columns: 1fr; gap: 48px; }
  .split-image img { height: 400px; }
  section { padding: 80px 0; }
  .hero { min-height: 80vh; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-trust { gap: 20px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .form-container { padding: 32px; }
  .form-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  h1 { font-size: 2.5rem !important; }
  .stat-item:not(:last-child)::after { display: none; }
  .stats-grid { gap: 32px; }
}

@keyframes fadeInUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { animation: fadeInUp 0.8s ease-out backwards; }
.fade-up-delay-1 { animation-delay: 0.1s; }
.fade-up-delay-2 { animation-delay: 0.2s; }
.fade-up-delay-3 { animation-delay: 0.3s; }

/* TRUST BADGES SECTION */
.trust-badges-section { background: var(--white); padding: 56px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-badges-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.trust-badge { display: flex; align-items: center; gap: 16px; padding: 4px 0; }
.trust-badge-icon { width: 48px; height: 48px; background: var(--cream); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 1.125rem; font-weight: 800; color: var(--charcoal); flex-shrink: 0; }
.trust-badge-content {}
.trust-badge-title { font-weight: 700; color: var(--charcoal); font-size: 0.9375rem; line-height: 1.2; margin-bottom: 2px; }
.trust-badge-sub { color: var(--gray); font-size: 0.8125rem; }

/* TESTIMONIALS SECTION */
.testimonials-section { background: var(--cream); padding: 96px 0; }
.testimonial-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.testimonial-card { background: var(--white); padding: 32px; border-radius: 8px; border: 1px solid var(--border); transition: all 0.25s; box-shadow: var(--shadow-sm); }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testimonial-rating { color: #FFB400; font-size: 1.0625rem; margin-bottom: 16px; letter-spacing: 1px; display: flex; align-items: center; gap: 8px; }
.rating-label { font-size: 0.75rem; color: var(--gray); font-weight: 600; letter-spacing: 0.5px; text-transform: uppercase; }
.testimonial-quote { font-size: 1rem; line-height: 1.6; color: var(--charcoal); margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; padding-top: 18px; border-top: 1px solid var(--border); }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--charcoal), #4A5568); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.125rem; flex-shrink: 0; }
.testimonial-meta {}
.testimonial-name { font-weight: 700; color: var(--charcoal); font-size: 0.9375rem; }
.testimonial-biz { color: var(--gray); font-size: 0.8125rem; margin: 2px 0; }
.testimonial-amount { font-size: 0.8125rem; color: var(--charcoal); margin-top: 4px; }
.testimonial-amount strong { color: inherit; }

/* === Logo flush-left override (push logo to page edge, polished baseline) === */
.site-header .container { padding-left: 0 !important; padding-right: 16px !important; }
.site-header .header-inner { padding-left: 0 !important; }
.site-header .logo { margin-left: -8px !important; }
@media (max-width: 768px) {
  .site-header .container { padding-left: 8px !important; padding-right: 12px !important; }
  .site-header .logo { margin-left: 0 !important; }
}

/* === WOW-UPGRADE CSS START === */

/* ===== Funding Calculator ===== */
.calc-widget-section { padding: 80px 0; background: linear-gradient(135deg, #f8f9fb 0%, #eef1f6 100%); }
.calc-widget { display: grid; grid-template-columns: 1.1fr 1fr; gap: 0; background: #fff; border-radius: 20px; overflow: hidden; box-shadow: 0 30px 80px rgba(10,20,40,0.10), 0 0 0 1px rgba(10,20,40,0.04); max-width: 1100px; margin: 0 auto; }
.calc-widget-left { padding: 48px 44px; }
.calc-widget-right { padding: 48px 44px; background: linear-gradient(135deg, #0A3960 0%, #0A1421 100%); color: #fff; display: flex; flex-direction: column; justify-content: center; }
.calc-eyebrow { font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #0A3960; margin-bottom: 12px; }
.calc-title { font-size: 2rem; font-weight: 800; line-height: 1.15; margin: 0 0 12px; color: #0A1421; }
.calc-subtitle { color: #5a6678; line-height: 1.55; margin: 0 0 32px; font-size: 1rem; }
.calc-control { margin-bottom: 28px; }
.calc-control label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; font-size: 0.875rem; color: #5a6678; font-weight: 500; }
.calc-control label strong { color: #0A1421; font-size: 1.125rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.calc-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 4px; background: #e2e8f0; outline: none; cursor: pointer; transition: background 0.2s; }
.calc-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%; background: #FFC72C; cursor: pointer; box-shadow: 0 4px 12px rgba(0,0,0,0.15), 0 0 0 4px rgba(255,255,255,0.9); transition: transform 0.15s; }
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb { width: 28px; height: 28px; border-radius: 50%; background: #FFC72C; cursor: pointer; border: none; box-shadow: 0 4px 12px rgba(0,0,0,0.15); }
.calc-result-label { font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: rgba(255,255,255,0.7); text-transform: uppercase; margin-bottom: 16px; }
.calc-result-amount { font-size: 3.25rem; font-weight: 900; line-height: 1; letter-spacing: -0.02em; margin-bottom: 14px; display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap; color: #FFC72C; font-variant-numeric: tabular-nums; }
.calc-result-sep { color: rgba(255,255,255,0.4); font-weight: 400; }
.calc-result-meta { color: rgba(255,255,255,0.85); font-size: 0.9rem; margin-bottom: 28px; line-height: 1.5; }
.calc-cta { display: inline-block; padding: 16px 32px; background: #FFC72C; color: #0A1421; font-weight: 800; text-decoration: none; border-radius: 10px; font-size: 1.05rem; letter-spacing: 0.3px; transition: transform 0.15s, box-shadow 0.15s; box-shadow: 0 8px 22px rgba(0,0,0,0.25); text-align: center; }
.calc-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 32px rgba(0,0,0,0.35); }
.calc-result-note { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-top: 18px; line-height: 1.5; }
@media (max-width: 880px) {
  .calc-widget { grid-template-columns: 1fr; }
  .calc-widget-left, .calc-widget-right { padding: 36px 28px; }
  .calc-result-amount { font-size: 2.5rem; }
  .calc-title { font-size: 1.65rem; }
}

/* ===== Sticky mobile CTA ===== */
.sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 9000; background: #fff; padding: 12px 16px; box-shadow: 0 -8px 30px rgba(0,0,0,0.18); border-top: 1px solid rgba(0,0,0,0.08); }
.sticky-mobile-cta a { display: block; padding: 14px; background: #FFC72C; color: #0A1421; font-weight: 800; text-decoration: none; border-radius: 10px; text-align: center; font-size: 1rem; letter-spacing: 0.3px; }
@media (max-width: 768px) { .sticky-mobile-cta { display: block; } body { padding-bottom: 72px; } }

/* Animated stat counter — start invisible until JS triggers */
.stat-number[data-target] { font-variant-numeric: tabular-nums; }

/* === WOW-UPGRADE CSS END === */

/* === NETWORK-LINKS CSS START === */

/* ===== Network Partners section ===== */
.network-section { padding: 70px 0; background: #f8fafc; border-top: 1px solid rgba(0,0,0,0.05); }
.network-eyebrow { text-align: center; font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #6b7280; text-transform: uppercase; margin-bottom: 12px; }
.network-title { text-align: center; font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0 0 12px; color: #0a1421; }
.network-intro { text-align: center; color: #5a6678; max-width: 620px; margin: 0 auto 38px; }
.network-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; max-width: 1000px; margin: 0 auto; }
.network-card { display: flex; flex-direction: column; gap: 4px; padding: 22px 24px; background: #fff; border-radius: 12px; text-decoration: none; color: inherit; box-shadow: 0 4px 18px rgba(10,20,40,0.05); transition: transform 0.15s, box-shadow 0.15s; position: relative; }
.network-card:hover { transform: translateY(-3px); box-shadow: 0 14px 32px rgba(10,20,40,0.10); }
.network-card-name { font-weight: 800; font-size: 1.05rem; color: #0a1421; }
.network-card-tag { font-size: 0.85rem; color: #5a6678; }
.network-card-arrow { position: absolute; top: 22px; right: 24px; font-size: 1.2rem; color: #94a3b8; transition: transform 0.15s, color 0.15s; }
.network-card:hover .network-card-arrow { transform: translateX(4px); color: #0a1421; }

/* ===== Trust Ticker ===== */
.trust-ticker { background: #0a1421; color: #fff; padding: 10px 0; font-size: 0.85rem; border-bottom: 1px solid rgba(255,255,255,0.08); }
.trust-ticker-inner { max-width: 1280px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; gap: 12px; }
.trust-ticker-pulse { width: 8px; height: 8px; border-radius: 50%; background: #22c55e; box-shadow: 0 0 0 0 rgba(34,197,94,0.7); animation: tickerPulse 2s infinite; flex-shrink: 0; }
@keyframes tickerPulse { 0% { box-shadow: 0 0 0 0 rgba(34,197,94,0.6); } 70% { box-shadow: 0 0 0 8px rgba(34,197,94,0); } 100% { box-shadow: 0 0 0 0 rgba(34,197,94,0); } }
.trust-ticker-label { font-weight: 700; color: #22c55e; text-transform: uppercase; font-size: 0.7rem; letter-spacing: 1.5px; }
.trust-ticker-text { color: rgba(255,255,255,0.92); transition: opacity 0.35s; }
@media (max-width: 540px) { .trust-ticker-inner { padding: 0 12px; font-size: 0.78rem; } .trust-ticker-label { display: none; } }

/* === NETWORK-LINKS CSS END === */


/* Footer utility links */
.footer-utility a { color: rgba(255,255,255,0.6); text-decoration: none; transition: color 0.15s; margin: 0 4px; }
.footer-utility a:hover { color: rgba(255,255,255,0.95); }


/* Header search */
.nav-search { display: inline-flex; align-items: center; }
.nav-search input { padding: 7px 14px; border-radius: 100px; border: 1px solid rgba(0,0,0,0.1); font-size: 0.85rem; background: rgba(0,0,0,0.04); transition: all 0.15s; min-width: 160px; outline: none; font-family: inherit; }
.nav-search input:focus { background: #fff; border-color: rgba(0,0,0,0.2); box-shadow: 0 0 0 3px rgba(0,0,0,0.06); }


@media (max-width: 980px) {
  .nav-search { display: none; }
}


/* Popular Resources section */
.popular-section { padding: 70px 0; background: linear-gradient(180deg, #fff 0%, #f8fafc 100%); }
.popular-eyebrow { text-align: center; font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #6b7280; text-transform: uppercase; margin-bottom: 12px; }
.popular-title { text-align: center; font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0 0 44px; }
.popular-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 32px; max-width: 1100px; margin: 0 auto; }
.popular-col { background: #fff; padding: 28px 30px; border-radius: 12px; box-shadow: 0 4px 18px rgba(10,20,40,0.05); border-top: 3px solid; }
.popular-col h3 { font-size: 1rem; margin: 0 0 18px; padding-bottom: 12px; border-bottom: 1px solid #eef1f5; letter-spacing: 0.3px; }
.popular-col ul { list-style: none; padding: 0; margin: 0; }
.popular-col li { padding: 6px 0; }
.popular-col a { text-decoration: none; font-size: 0.94rem; line-height: 1.5; padding: 4px 0; display: block; transition: color 0.15s, transform 0.15s; }
.popular-col a:hover { transform: translateX(3px); }

.popular-col { border-top-color: #FFC72C; }
.popular-col h3 { color: #0A3960; }
.popular-col a { color: #0A3960; }
.popular-col a:hover { color: #FFC72C; }