@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;700;800&family=DM+Serif+Display&display=swap');
:root{
  --brand:#f07600;
  --brandDark:#c45d00;
  --brandLight:#fff3e6;
  --brandBorder:#ffd8a8;
  --text:#1a1a2e;
  --muted:#5a6478;
  --line:#e8ecf2;
  --bg:#f7f9fc;
  --white:#ffffff;
  --radius:12px;
  --shadow:0 4px 24px rgba(0,0,0,.07);
  --shadowHover:0 8px 40px rgba(0,0,0,.13);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text);background:var(--bg);line-height:1.6;font-size:16px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:900px;margin:0 auto;padding:0 24px}
.wrap-wide{max-width:1100px;margin:0 auto;padding:0 24px}

/* ── HEADER: logo + emoji only ── */
.topbar{background:var(--white);border-bottom:1px solid var(--line);padding:18px 0}
.topbar .wrap{display:flex;align-items:center;justify-content:center}
.logo{font-family:'DM Serif Display',serif;font-size:1.5rem;font-weight:400;color:var(--brand);letter-spacing:-.01em;display:flex;align-items:center;gap:10px}
.logo-emoji{font-size:1.4rem;line-height:1}

/* ── HERO: form only, no text above it ── */
.hero{background:var(--white);padding:40px 0 50px;border-bottom:1px solid var(--line)}
.hero .wrap{text-align:center}
.form-shell{background:var(--white);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:32px;max-width:680px;margin:0 auto;text-align:left}
.form-shell-title{font-size:1.2rem;font-weight:800;margin-bottom:4px;text-align:center}
.form-shell-sub{font-size:.9rem;color:var(--muted);text-align:center;margin-bottom:20px}
.form-shell-accent{display:block;width:48px;height:3px;background:linear-gradient(90deg,var(--brand),var(--brandDark));border-radius:4px;margin:0 auto 24px}
.notice{font-size:.82rem;color:var(--muted);background:var(--brandLight);border:1px solid var(--brandBorder);padding:13px 15px;border-radius:10px;margin:16px 0 12px;line-height:1.5}
.notice a{color:var(--brandDark);font-weight:600}
.fine{font-size:.8rem;color:var(--muted);text-align:center;line-height:1.5}

/* ── INTRO BLOCK (sits between form and How It Works) ── */
.intro-block{background:var(--brandLight);border-top:1px solid var(--brandBorder);border-bottom:1px solid var(--brandBorder);padding:40px 0}
.intro-block .wrap{text-align:center}
.intro-tagline{display:inline-block;background:var(--white);color:var(--brandDark);border:1px solid var(--brandBorder);border-radius:999px;padding:6px 18px;font-size:.88rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;margin-bottom:16px}
.intro-block h2{font-family:'DM Serif Display',serif;font-size:1.9rem;line-height:1.2;margin-bottom:12px;color:var(--text)}
.intro-block p{color:var(--muted);font-size:.98rem;max-width:660px;margin:0 auto}

/* ── HOW IT WORKS ── */
.section{padding:60px 0}
.section-alt{background:var(--white)}
.section-title{font-family:'DM Serif Display',serif;font-size:2rem;text-align:center;margin-bottom:40px;color:var(--text)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{text-align:center;padding:28px 20px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);transition:box-shadow .2s}
.step:hover{box-shadow:var(--shadowHover)}
.step-icon{font-size:2.2rem;margin-bottom:14px;display:block}
.step h4{font-size:1.05rem;font-weight:800;margin-bottom:8px;color:var(--text)}
.step p{font-size:.93rem;color:var(--muted)}

/* ── LOAN TYPES ── */
.loan-intro{max-width:720px;margin:0 auto;text-align:center}
.loan-intro h2{font-family:'DM Serif Display',serif;font-size:1.9rem;margin-bottom:16px}
.loan-intro p{color:var(--muted);font-size:1rem;margin-bottom:20px}
.loan-list{display:inline-flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:20px}
.loan-pill{background:var(--brandLight);border:1px solid var(--brandBorder);color:var(--brandDark);padding:8px 18px;border-radius:999px;font-size:.92rem;font-weight:700}
.loan-close{color:var(--muted);font-size:.95rem;max-width:640px;margin:0 auto}

/* ── WHY SECTION ── */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.why-card{display:flex;gap:18px;align-items:flex-start;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:box-shadow .2s}
.why-card:hover{box-shadow:var(--shadowHover)}
.why-icon{font-size:1.9rem;flex-shrink:0;margin-top:2px}
.why-card h4{font-size:1rem;font-weight:800;margin-bottom:6px;color:var(--text)}
.why-card p{font-size:.91rem;color:var(--muted);line-height:1.55}

/* ── FAQ ── */
.faq-list{max-width:720px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.faq-q{width:100%;background:none;border:none;padding:18px 22px;text-align:left;font-family:'DM Sans',sans-serif;font-size:.98rem;font-weight:700;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q::after{content:'+';font-size:1.4rem;font-weight:400;color:var(--brand);flex-shrink:0;transition:transform .2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{display:none;padding:0 22px 18px;font-size:.93rem;color:var(--muted);line-height:1.6}
.faq-item.open .faq-a{display:block}

/* ── CTA BANNER ── */
.cta-banner{background:linear-gradient(135deg,var(--brand),var(--brandDark));padding:56px 24px;text-align:center;color:var(--white)}
.cta-banner h2{font-family:'DM Serif Display',serif;font-size:2.2rem;margin-bottom:10px}
.cta-banner p{font-size:1.05rem;opacity:.92;margin-bottom:28px}
.cta-btn{display:inline-block;background:var(--white);color:var(--brandDark);font-weight:800;font-size:1rem;padding:15px 36px;border-radius:999px;box-shadow:0 6px 24px rgba(0,0,0,.15);transition:all .2s;letter-spacing:.01em}
.cta-btn:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(0,0,0,.2);text-decoration:none}

/* ── FOOTER ── */
.footer{background:#1a1a2e;color:#a0aab8;padding:48px 0 28px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:36px}
.footer-brand .logo{color:var(--brand)}
.footer-brand p{font-size:.88rem;line-height:1.6;margin-top:12px;max-width:340px}
.footer-col h5{color:#fff;font-size:.85rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:8px}
.footer-col ul li a{color:#a0aab8;font-size:.88rem;transition:color .15s}
.footer-col ul li a:hover{color:var(--brand);text-decoration:none}
.footer-divider{border:none;border-top:1px solid #2a2a3e;margin-bottom:20px}
.footer-disc{font-size:.78rem;line-height:1.6;color:#6b7280;margin-bottom:10px}
.footer-disc strong{color:#9ca3af}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;font-size:.82rem;color:#6b7280}
.footer-bottom-links{display:flex;gap:16px;flex-wrap:wrap}
.footer-bottom-links a{color:#6b7280;transition:color .15s}
.footer-bottom-links a:hover{color:var(--brand)}

/* ── LEGAL PAGES ── */
.legal{padding:48px 24px 72px}
.legal-card{background:var(--white);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:32px 36px}
.legal h1{font-family:'DM Serif Display',serif;font-size:2.4rem;margin-bottom:10px}
.legal h2{font-size:1.15rem;font-weight:700;margin-top:28px;margin-bottom:6px}
.legal p,.legal li{font-size:.97rem;color:var(--muted);line-height:1.7}
.legal ul{padding-left:22px}
.muted{color:var(--muted)}
.fake-input{display:block;margin:8px 0 16px}
.thankyou{max-width:680px;margin:72px auto;background:var(--white);border:1px solid var(--line);border-radius:18px;padding:40px;text-align:center;box-shadow:var(--shadow)}
.thankyou h1{font-family:'DM Serif Display',serif;font-size:2rem;margin-bottom:12px}
.thankyou p{color:var(--muted);margin-bottom:12px}
.thankyou a{color:var(--brand);font-weight:700}

@media(max-width:768px){
  .steps,.why-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .intro-block h2{font-size:1.5rem}
  .section-title{font-size:1.6rem}
  .cta-banner h2{font-size:1.7rem}
  .form-shell{padding:22px 16px}
  .legal-card{padding:22px 18px}
  .footer-bottom{flex-direction:column;align-items:flex-start}
}
.hero-tagline-text{display:block;width:100%;text-align:center;margin:0;padding:10px 24px;font-size:1rem;color:var(--text);background:var(--white);border-bottom:1px solid var(--line);box-sizing:border-box;}

.ssl-badge{display:flex;justify-content:center;width:100%;margin:14px 0 6px;}
.ssl-badge-inner{display:inline-flex;align-items:center;gap:8px;background:#f8f9fb;border:1px solid #e0e4ec;border-radius:8px;padding:7px 14px;}
.ssl-icon{width:32px;height:32px;border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.ssl-text{display:flex;flex-direction:column;line-height:1.2;}
.ssl-top{font-size:.72rem;font-weight:800;color:#1a1a2e;letter-spacing:.04em;text-transform:uppercase;}
.ssl-bottom{font-size:.7rem;color:#5a6478;font-weight:500;}
.ssl-shield{width:28px;height:28px;border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}