:root {
  --navy-950: #04122e;
  --navy-900: #071a3d;
  --navy-800: #0a2857;
  --blue-700: #104b91;
  --blue-500: #4ca4e8;
  --blue-200: #c9e8ff;
  --white: #ffffff;
  --mist: #edf7ff;
  --pink: #ff3b9d;
  --pink-dark: #d81076;
  --line: rgba(201, 232, 255, 0.2);
  --muted: #bbd2e7;
  --shadow: 0 28px 70px rgba(0, 0, 0, 0.28);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-offset, 170px); }
body {
  margin: 0;
  background: var(--navy-900);
  color: var(--white);
  font-family: "DM Sans", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

.skip-link {
  position: fixed;
  top: 0.75rem;
  left: 0.75rem;
  z-index: 100;
  transform: translateY(-180%);
  background: var(--pink);
  color: var(--navy-950);
  padding: 0.75rem 1rem;
  font-weight: 700;
  border-radius: 999px;
}
.skip-link:focus { transform: none; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1.5rem;
  min-height: 84px;
  padding: 0 5vw;
  background: rgba(4, 18, 46, 0.92);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(18px);
}
.brand img { width: 150px; max-height: 50px; object-fit: contain; }
.site-nav { display: flex; justify-content: center; align-items: stretch; gap: 0.4rem; min-width: 0; }
.site-nav > a { display: flex; align-items: center; justify-content: center; padding: 1rem 1.1rem; border-bottom: 3px solid transparent; text-decoration: none; color: var(--blue-200); font-size: 1rem; font-weight: 600; text-align: center; }
.site-nav > a:hover, .site-nav > a[aria-current="location"] { color: var(--pink); border-bottom-color: var(--pink); background: rgba(201,232,255,0.04); }
.site-nav > a:focus-visible, .loan-option > summary:focus-visible { outline: 2px solid var(--pink); outline-offset: 3px; border-radius: 6px; }
.nav-apply { white-space: nowrap; }

.section-shell { width: min(1180px, 90vw); margin: 0 auto; }
.hero {
  min-height: calc(100vh - 84px);
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  align-items: center;
  gap: clamp(3rem, 7vw, 7rem);
  padding-top: 5rem;
  padding-bottom: 5rem;
}
.hero-copy { position: relative; z-index: 1; }
.eyebrow {
  margin: 0 0 1.1rem;
  color: var(--pink);
  font-size: 0.77rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
h1, h2 {
  margin: 0;
  font-family: "Playfair Display", serif;
  line-height: 1.03;
  letter-spacing: -0.035em;
}
h1 { max-width: 750px; font-size: clamp(3.4rem, 7.2vw, 7rem); }
h1 span { display: block; color: var(--blue-500); }
h2 { font-size: clamp(2.3rem, 4.5vw, 4.6rem); }
h3 { margin: 0 0 0.65rem; font-size: 1.28rem; line-height: 1.25; }
p { margin-top: 0; }
.hero-lead {
  max-width: 650px;
  margin: 1.8rem 0 2.1rem;
  color: var(--blue-200);
  font-size: clamp(1.08rem, 2vw, 1.3rem);
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.9rem; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.7rem;
  min-height: 52px;
  padding: 0.85rem 1.45rem;
  border: 1px solid transparent;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 700;
  transition: transform 160ms ease, background 160ms ease, border-color 160ms ease;
}
.button:hover { transform: translateY(-2px); }
.button:focus-visible, a:focus-visible, button:focus-visible { outline: 3px solid var(--white); outline-offset: 3px; }
.button-pink { background: var(--pink); color: var(--navy-950); box-shadow: 0 14px 32px rgba(255, 59, 157, 0.24); }
.button-pink:hover { background: #ff66b2; }
.button-outline { border-color: rgba(255,255,255,0.5); color: var(--white); }
.button-outline:hover { border-color: var(--pink); }
.button-light { background: var(--white); color: var(--navy-900); }
.trust-line {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem 1.5rem;
  margin-top: 2.4rem;
  color: var(--muted);
  font-size: 0.87rem;
}
.trust-line span { display: flex; align-items: center; gap: 0.45rem; }
.trust-line span::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--pink); }

.portrait-wrap { position: relative; max-width: 500px; justify-self: end; }
.portrait-frame {
  position: relative;
  overflow: hidden;
  aspect-ratio: 0.79;
  border-radius: 220px 220px 24px 24px;
  background: var(--navy-800);
  border: 1px solid rgba(255,255,255,0.2);
  box-shadow: var(--shadow);
}
.portrait-frame::before {
  content: "";
  position: absolute;
  inset: 14px;
  z-index: 2;
  border: 2px solid var(--pink);
  border-radius: 210px 210px 18px 18px;
  pointer-events: none;
}
.portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 28%; filter: contrast(1.04); }
.monogram-frame {
  display: grid;
  place-items: center;
  background:
    radial-gradient(circle at 72% 26%, rgba(76, 164, 232, 0.5), transparent 28%),
    linear-gradient(145deg, var(--blue-700), var(--navy-950));
}
.monogram-frame span {
  font-family: "Playfair Display", serif;
  font-size: clamp(7rem, 14vw, 11rem);
  letter-spacing: -0.08em;
  color: rgba(255, 255, 255, 0.92);
  transform: translateX(-0.06em);
}
.portrait-note {
  position: absolute;
  right: -1.2rem;
  bottom: 2rem;
  display: flex;
  flex-direction: column;
  min-width: 210px;
  padding: 1rem 1.2rem;
  background: var(--white);
  color: var(--navy-900);
  border-left: 5px solid var(--pink);
  box-shadow: var(--shadow);
}
.portrait-note span { font-size: 0.82rem; color: #38516d; }

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 7vw;
  padding-top: 8rem;
  padding-bottom: 8rem;
  border-top: 1px solid var(--line);
}
.about-copy { color: var(--blue-200); font-size: 1.12rem; }
.bio-photo {
  display: block;
  width: 100%;
  max-width: 440px;
  height: auto;
  margin-top: 1.8rem;
  border: 0;
  border-radius: 0 20px 20px 0;
  box-shadow: none;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,0.35) 5%, rgba(0,0,0,0.85) 12%, #000 18%), linear-gradient(to top, transparent 0%, rgba(0,0,0,0.35) 5%, rgba(0,0,0,0.85) 12%, #000 18%);
  mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,0.35) 5%, rgba(0,0,0,0.85) 12%, #000 18%), linear-gradient(to top, transparent 0%, rgba(0,0,0,0.35) 5%, rgba(0,0,0,0.85) 12%, #000 18%);
  -webkit-mask-composite: source-in;
  mask-composite: intersect;
}
.bio-name { margin: 2rem 0 0.35rem; color: var(--white); font-size: 1.4rem; font-weight: 700; }
.bio-role { color: var(--muted); font-size: 1rem; }
.text-link { color: var(--pink); font-weight: 700; text-decoration-thickness: 1px; text-underline-offset: 5px; }

.section-panel {
  padding: clamp(3rem, 6vw, 6rem);
  background: var(--navy-800);
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: var(--shadow);
}
.section-heading {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  align-items: end;
  gap: 5vw;
  margin-bottom: 3.5rem;
}
.section-heading > p { color: var(--muted); margin: 0; }
.fine-print { margin: 1.2rem 0 0; color: var(--muted); font-size: 0.78rem; }

.process-section { padding-top: 8rem; padding-bottom: 8rem; }
.compact-heading { align-items: center; }
.process-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.process-list li {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 1.5rem;
  padding: 2rem 0;
  border-bottom: 1px solid var(--line);
}
.process-list li > span { color: var(--pink); font-family: "Playfair Display", serif; font-size: 2rem; }
.process-list p { margin: 0; color: var(--muted); }

.partners-section { background: var(--blue-700); }
.partners-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 8vw; padding-top: 7rem; padding-bottom: 7rem; }
.partners-grid > div:last-child > p { color: var(--mist); font-size: 1.08rem; }
.check-list { list-style: none; margin: 2rem 0; padding: 0; }
.check-list li { position: relative; padding: 0.7rem 0 0.7rem 1.7rem; border-bottom: 1px solid rgba(255,255,255,0.22); }
.check-list li::before { content: "•"; position: absolute; left: 0; color: var(--pink); font-size: 1.5rem; line-height: 1; }

.reviews-section { padding-top: 8rem; padding-bottom: 8rem; }
.reviews-section .section-heading { grid-template-columns: 1fr; }
.review-invitation {
  max-width: 900px;
  padding: clamp(1.5rem, 4vw, 2.5rem);
  background: linear-gradient(135deg, var(--navy-800), rgba(16,75,145,0.45));
  border-left: 5px solid var(--pink);
  border-radius: 0 20px 20px 0;
}
.review-invitation > p { margin: 0; color: var(--blue-200); font-size: 1.12rem; line-height: 1.65; }
.review-button { margin-top: 1.5rem; text-align: center; }
.review-button:focus-visible { outline: 2px solid var(--white); outline-offset: 4px; }
.review-invitation > .review-link-note { margin-top: 0.8rem; color: var(--muted); font-size: 0.875rem; }

.faq-section { display: grid; grid-template-columns: 0.72fr 1.28fr; gap: 7vw; padding-bottom: 8rem; }
.faq-intro > p:last-child { margin-top: 1.4rem; color: var(--muted); }
.faq-list { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; position: relative; padding: 1.4rem 2.2rem 1.4rem 0; font-weight: 700; list-style: none; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 0; color: var(--pink); font-size: 1.5rem; font-weight: 400; }
details[open] summary::after { content: "−"; }
details p { color: var(--muted); padding: 0 2rem 1.3rem 0; }

.loan-options { display: grid; gap: 1rem; }
.loan-option { min-width: 0; border: 1px solid var(--line); border-radius: 16px; background: rgba(4,18,46,0.7); overflow: hidden; }
.loan-option[open] { border-color: var(--pink); }
.loan-option > summary:focus-visible { outline-offset: -3px; }
.loan-option > summary { display: grid; grid-template-columns: 2.5rem 1fr 2rem; align-items: center; gap: 1rem; padding: 1.5rem; font-size: 1.3rem; line-height: 1.4; }
.loan-option > summary::after { content: none; }
.loan-summary { display: block; min-width: 0; }
.loan-title { display: block; overflow-wrap: break-word; }
.loan-intro { display: block; margin-top: 0.55rem; color: var(--blue-200); font-size: 1rem; font-weight: 400; line-height: 1.65; }
.loan-number { color: var(--pink); font-size: 0.95rem; }
.loan-toggle { display: flex; align-items: center; justify-content: center; width: 2rem; height: 2rem; border: 1px solid var(--pink); border-radius: 50%; color: var(--pink); font-size: 1.6rem; font-weight: 400; }
.loan-toggle::before { content: "+"; }
.loan-option[open] .loan-toggle::before { content: "−"; }
.loan-option > p { margin: 0; padding: 0 4.5rem 1.5rem 5rem; color: var(--blue-200); font-size: 1rem; }

.contact-section { background: var(--navy-950); border-top: 1px solid var(--line); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8vw; align-items: start; padding-top: 7rem; padding-bottom: 7rem; }
.contact-grid > div:first-child > p:last-child { color: var(--muted); margin-top: 1.5rem; }
.contact-actions { display: flex; flex-direction: column; }
.contact-row {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 1rem;
  padding: 1.15rem 0;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
}
.contact-row span { color: var(--pink); font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; }
.contact-row strong { overflow-wrap: anywhere; }
.contact-row:hover strong { color: var(--blue-500); }
.full-button { width: 100%; margin-top: 1.5rem; }

.site-footer { padding: 3rem 5vw; background: #020a1b; color: #8ea9c1; font-size: 0.78rem; }
.footer-main { display: flex; justify-content: space-between; gap: 2rem; margin-bottom: 2rem; padding-bottom: 2rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-main div { display: flex; flex-direction: column; }
.footer-main strong { color: var(--white); font-size: 0.95rem; }
.site-footer > p { max-width: 1050px; margin-bottom: 0.75rem; }

@media (max-width: 900px) {
  .site-header { min-height: 72px; padding-top: 0.75rem; gap: 0.5rem 1rem; }
  .brand img { width: 125px; }
  .nav-apply { grid-column: 3; grid-row: 1; }
  .site-nav { grid-column: 1 / -1; grid-row: 2; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; width: 100%; }
  .site-nav > a { padding: 0.8rem 0.3rem; font-size: 1rem; }
  .hero, .about-grid, .section-heading, .partners-grid, .faq-section, .contact-grid { grid-template-columns: 1fr; }
  .hero { min-height: auto; gap: 3.5rem; padding-top: 4rem; }
  .portrait-wrap { justify-self: center; max-width: 480px; }
  .section-heading { align-items: start; }
  .portrait-note { right: -0.4rem; }
}

@media (max-width: 560px) {
  .section-shell { width: min(100% - 2rem, 1180px); }
  h1 { font-size: clamp(3rem, 16vw, 4.5rem); }
  .hero { padding-top: 3.2rem; padding-bottom: 4rem; }
  .site-header { padding-left: 1rem; padding-right: 1rem; }
  .site-nav > a { font-size: 0.9rem; }
  .loan-option > summary { grid-template-columns: 1.5rem 1fr 2rem; gap: 0.6rem; padding: 1.2rem 0.9rem; font-size: 1.1rem; }
  .loan-option > p { padding: 0 1rem 1.25rem; }
  .hero-actions .button { width: 100%; }
  .portrait-note { position: relative; right: auto; bottom: auto; margin: -1rem 1rem 0; }
  .about-grid, .process-section, .reviews-section { padding-top: 5.5rem; padding-bottom: 5.5rem; }
  .section-panel { width: calc(100% - 1rem); padding: 3rem 1.5rem; border-radius: 22px; }
  .partners-grid, .contact-grid { padding-top: 5.5rem; padding-bottom: 5.5rem; }
  .review-button { width: 100%; }
  .process-list li { grid-template-columns: 42px 1fr; gap: 0.8rem; }
  .contact-row { grid-template-columns: 1fr; gap: 0.25rem; }
  .footer-main { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; }
}