:root {
  --ink: #142024;
  --muted: #5b6a70;
  --brand: #0e6f74;
  --brand-dark: #09242c;
  --accent: #d7a947;
  --mist: #eef6f5;
  --line: #dce8e7;
  --white: #ffffff;
}
* { box-sizing: border-box; }
body { font-family: Inter, system-ui, -apple-system, Segoe UI, sans-serif; color: var(--ink); background: #fff; line-height: 1.65; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-dark); }
.site-header { background: rgba(255,255,255,.96); box-shadow: 0 8px 30px rgba(10,36,44,.1); backdrop-filter: blur(14px); }
.top-bar { background: var(--brand-dark); color: #e9fbfb; font-size: .92rem; padding: .42rem 0; }
.top-bar a { color: #fff; font-weight: 700; }
.top-bar i { color: var(--accent); margin-right: .35rem; }
.navbar { padding: .85rem 0; }
.navbar-brand { font-weight: 800; letter-spacing: 0; color: var(--brand-dark); }
.navbar-brand span { color: var(--brand); }
.navbar-nav { gap: .15rem; }
.nav-link { color: var(--ink); font-weight: 650; padding: .55rem .75rem !important; border-radius: 8px; }
.nav-link:hover, .nav-link.active { background: var(--mist); color: var(--brand-dark); }
.navbar-toggler { border: 1px solid var(--line); border-radius: 8px; }
.hero { min-height: 72vh; display: flex; align-items: center; background-size: cover; background-position: center; padding: 9rem 0 4rem; color: #fff; }
.hero-content { max-width: 760px; }
.hero h1 { font-size: clamp(2.4rem, 6vw, 5.2rem); line-height: 1; font-weight: 850; letter-spacing: 0; margin: .35rem 0 1rem; }
.hero p { max-width: 680px; font-size: 1.18rem; color: rgba(255,255,255,.9); }
.eyebrow { text-transform: uppercase; font-size: .78rem !important; font-weight: 850; letter-spacing: .08rem; color: var(--accent) !important; margin-bottom: .8rem; }
.section { padding: 5.5rem 0; }
.section.muted { background: var(--mist); }
.section-heading { max-width: 760px; margin-bottom: 2rem; }
h2 { font-size: clamp(1.8rem, 3.2vw, 3rem); line-height: 1.1; font-weight: 820; letter-spacing: 0; margin-bottom: 1rem; }
h3 { font-size: 1.18rem; font-weight: 780; letter-spacing: 0; }
.split-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(280px, .75fr); gap: 3rem; align-items: center; }
.split-grid.reverse { grid-template-columns: minmax(280px, .75fr) minmax(0, 1.05fr); }
.narrow { max-width: 860px; }
.button-row { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 1.5rem; }
.btn { border-radius: 8px; font-weight: 760; padding: .82rem 1.15rem; }
.btn-primary { background: var(--brand); border-color: var(--brand); }
.btn-primary:hover { background: var(--brand-dark); border-color: var(--brand-dark); }
.btn-outline-dark { border-color: var(--brand-dark); color: var(--brand-dark); }
.btn-outline-dark:hover { background: var(--brand-dark); border-color: var(--brand-dark); }
.feature-panel, .contact-card { border: 1px solid var(--line); border-radius: 8px; padding: 2rem; background: #fff; box-shadow: 0 18px 45px rgba(11,40,45,.08); }
.check-list { list-style: none; padding: 0; margin: 1rem 0 0; }
.check-list li { position: relative; padding-left: 1.8rem; margin: .75rem 0; color: var(--muted); }
.check-list li::before { content: "\f00c"; font-family: "Font Awesome 6 Free"; font-weight: 900; color: var(--brand); position: absolute; left: 0; top: 0; }
.card-grid { display: grid; gap: 1.25rem; }
.card-grid.three { grid-template-columns: repeat(3, minmax(0,1fr)); }
.card-grid.two { grid-template-columns: repeat(2, minmax(0,1fr)); }
.service-card, .blog-card { background: #fff; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; padding: 1.5rem; min-height: 100%; box-shadow: 0 16px 34px rgba(11,40,45,.06); }
.service-card i { width: 46px; height: 46px; display: inline-flex; align-items: center; justify-content: center; border-radius: 8px; background: var(--brand-dark); color: var(--accent); margin-bottom: 1rem; }
.blog-card { display: grid; grid-template-columns: 190px 1fr; gap: 1.2rem; align-items: stretch; padding: 0; }
.blog-card img, .image-tile img { width: 100%; height: 100%; object-fit: cover; display: block; }
.blog-card div { padding: 1.2rem 1.2rem 1.2rem 0; }
.blog-card h2 { font-size: 1.35rem; }
.image-tile { border-radius: 8px; overflow: hidden; min-height: 420px; box-shadow: 0 18px 45px rgba(11,40,45,.12); }
.cta-band { background: var(--brand-dark); color: #fff; padding: 4rem 0; }
.cta-band p { color: rgba(255,255,255,.8); max-width: 760px; }
.link-strip { display: flex; flex-wrap: wrap; gap: .8rem; }
.link-strip a { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: .85rem 1rem; font-weight: 760; }
.clean-accordion .accordion-item { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: .85rem; }
.clean-accordion .accordion-button { font-weight: 780; }
.clean-accordion .accordion-button:not(.collapsed) { background: var(--mist); color: var(--brand-dark); box-shadow: none; }
.article h2 { margin-top: 2rem; font-size: 1.7rem; }
.contact-card { margin-top: 1.2rem; display: inline-flex; flex-direction: column; min-width: 260px; }
.contact-card span { color: var(--muted); font-weight: 700; }
.contact-card a { font-size: 2rem; color: var(--brand-dark); font-weight: 850; }
.footer { background: #081c22; color: rgba(255,255,255,.78); padding: 4rem 0 1.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 2rem; }
.footer h2, .footer h3 { color: #fff; }
.footer h2 { font-size: 1.35rem; }
.footer h3 { font-size: 1rem; margin-bottom: 1rem; }
.footer a { display: block; color: rgba(255,255,255,.78); margin: .45rem 0; }
.footer a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.16); margin-top: 2rem; padding-top: 1.25rem; font-size: .92rem; }
@media (max-width: 991px) {
  .hero { min-height: 64vh; padding-top: 8.5rem; }
  .split-grid, .split-grid.reverse, .card-grid.three, .card-grid.two, .footer-grid { grid-template-columns: 1fr; }
  .navbar-collapse { padding-top: .75rem; }
  .image-tile { min-height: 330px; }
}
@media (max-width: 575px) {
  .top-bar .container { gap: .5rem; flex-direction: column; align-items: flex-start !important; }
  .hero { padding-top: 10.5rem; min-height: 78vh; }
  .section { padding: 3.5rem 0; }
  .blog-card { grid-template-columns: 1fr; }
  .blog-card img { height: 210px; }
  .blog-card div { padding: 1.2rem; }
  .contact-card a { font-size: 1.5rem; }
}

/* 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%;
  }
}