:root {
  --blue: #0099ff;
  --blue-dark: #0077cc;
  --orange: #ffa500;
  --orange-dark: #f08f00;
  --cyan: #00bcd4;
  --green: #19a65a;
  --pink: #ff4081;
  --ink: #172033;
  --muted: #647084;
  --line: #dfe6ef;
  --soft: #f4f8fc;
  --white: #fff;
  --radius: 8px;
  --shadow: 0 18px 45px rgba(23, 32, 51, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
p, h1, h2, h3 { margin-top: 0; }
img { max-width: 100%; display: block; }

.container { width: min(1160px, calc(100% - 32px)); margin: 0 auto; }
.section { padding: 72px 0; }
.tinted { background: var(--soft); }
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, .96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.site-header.compact { position: relative; }
.nav { min-height: 76px; display: flex; align-items: center; gap: 14px; }
.brand { display: inline-flex; align-items: center; gap: 10px; flex: 0 0 auto; font-size: 22px; font-weight: 800; color: var(--blue-dark); white-space: nowrap; }
.brand-mark { width: 38px; height: 38px; display: grid; place-items: center; border-radius: var(--radius); color: #fff; background: linear-gradient(135deg, var(--blue), var(--orange)); }
.menu { display: flex; align-items: center; gap: 10px; margin-left: auto; color: var(--muted); font-weight: 700; }
.menu a { white-space: nowrap; padding: 8px 6px; font-size: 15px; }
.menu a:hover, .footer a:hover { color: var(--orange); }
.nav-actions { display: flex; gap: 10px; align-items: center; flex: 0 0 auto; }
.menu-toggle {
  display: none;
  width: 44px;
  height: 38px;
  margin-left: auto;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.menu-toggle span {
  width: 18px;
  height: 2px;
  border-radius: 999px;
  background: var(--ink);
  transition: transform .18s ease, opacity .18s ease;
}
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.button, .link-button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  min-height: 44px;
  padding: 12px 18px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  font-weight: 800;
  white-space: nowrap;
  text-align: center;
  cursor: pointer;
}
.button-primary { background: var(--blue); color: #fff; }
.button-accent { background: var(--orange); color: #fff; }
.button-accent:hover { background: var(--orange-dark); }
.button-light { background: #fff; color: var(--blue-dark); border-color: var(--line); }
.button-wide { width: 100%; }
.link-button { color: var(--blue-dark); background: #edf7ff; min-width: 124px; }
.nav-actions .button { min-width: 134px; }

.hero {
  padding-top: 96px;
  background:
    linear-gradient(135deg, rgba(0, 153, 255, .12) 0%, rgba(255, 165, 0, .10) 42%, rgba(0, 188, 212, .10) 100%),
    linear-gradient(180deg, #fff 0%, #f7fbff 100%);
  position: relative;
  overflow: hidden;
}
.hero:before {
  content: "";
  position: absolute;
  inset: 44px auto auto 8%;
  width: 420px;
  height: 420px;
  border: 1px solid rgba(0, 153, 255, .18);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,.86), rgba(255,255,255,0));
}
.hero:after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -120px;
  width: 460px;
  height: 460px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 165, 0, .22), rgba(255, 165, 0, 0) 68%);
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
.hero-grid > * { position: relative; z-index: 1; }
.eyebrow { color: var(--blue-dark); text-transform: uppercase; letter-spacing: .08em; font-size: 13px; font-weight: 800; margin-bottom: 12px; }
h1 { font-size: clamp(42px, 6vw, 68px); line-height: 1.05; margin-bottom: 22px; }
h2 { font-size: clamp(30px, 4vw, 44px); line-height: 1.12; margin-bottom: 16px; }
h3 { font-size: 20px; line-height: 1.25; margin-bottom: 10px; }
.lead { font-size: 21px; color: var(--muted); max-width: 640px; }
.hero-points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 34px; }
.hero-points div, .loan-card, .feature-grid article, .review-grid article, .steps article, .list-panel, .promo-box {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.hero-points div { padding: 16px; }
.hero-points strong { display: block; font-size: 22px; color: var(--blue-dark); }
.hero-points div > span { color: var(--muted); font-size: 14px; }
.hero-points strong span { color: inherit; font-size: inherit; }
.loan-card { padding: 30px; box-shadow: var(--shadow); }
.hero-card {
  position: relative;
  border: 2px solid rgba(0, 153, 255, .15);
}
.hero-card:before {
  content: "";
  position: absolute;
  inset: 12px;
  border-radius: var(--radius);
  border: 1px dashed rgba(0, 153, 255, .20);
  pointer-events: none;
}
.card-ribbon {
  width: max-content;
  margin: -8px auto 14px;
  padding: 7px 12px;
  border-radius: 999px;
  color: #fff;
  background: var(--green);
  font-size: 13px;
  font-weight: 800;
}
.loan-card h2 { text-align: center; font-size: 32px; }
.loan-card > p { text-align: center; color: var(--muted); }
.loan-card .button-wide + .button-wide { margin-top: 10px; }
.amount-output { display: block; text-align: center; color: var(--blue-dark); font-size: 52px; font-weight: 800; margin: 20px 0; }
.range { width: 100%; accent-color: var(--blue); }
.range-labels { display: flex; justify-content: space-between; color: var(--muted); font-size: 14px; margin: 6px 0 22px; }
.mini-summary {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin: 0 0 18px;
}
.mini-summary span {
  padding: 10px;
  border-radius: var(--radius);
  background: var(--soft);
  color: var(--muted);
  font-size: 13px;
  text-align: center;
}
.fine-print { font-size: 12px; color: var(--muted); margin: 16px 0 0; }
.promo { padding: 34px 0; background: #fff; }
.promo-box { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 26px; border-left: 5px solid var(--pink); }
.promo-timer {
  display: grid;
  place-items: center;
  flex: 0 0 126px;
  min-height: 94px;
  border-radius: var(--radius);
  color: var(--pink);
  background: #fff5f8;
  border: 1px solid rgba(255, 64, 129, .28);
}
.promo-timer span { font-size: 30px; font-weight: 900; line-height: 1; }
.promo-timer small { color: var(--muted); font-size: 12px; text-align: center; }
.promo-box h2 { font-size: 28px; margin-bottom: 6px; }
.promo-box p { margin-bottom: 0; color: var(--muted); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 42px; }
.section-head p:last-child { color: var(--muted); font-size: 18px; }
.steps, .feature-grid, .review-grid { display: grid; gap: 18px; }
.steps { grid-template-columns: repeat(4, 1fr); }
.steps article, .feature-grid article, .review-grid article { padding: 24px; }
.steps span { display: inline-block; color: var(--orange); font-size: 32px; font-weight: 900; margin-bottom: 16px; }
.mid-cta { background: #101827; color: #fff; }
.mid-cta-box {
  display: grid;
  grid-template-columns: 1fr .75fr;
  gap: 28px;
  align-items: center;
}
.mid-cta p { color: #cbd5e1; }
.mid-cta .eyebrow { color: var(--cyan); }
.mid-cta-list { display: grid; gap: 12px; }
.mid-cta-list span {
  padding: 14px 16px;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius);
  background: rgba(255,255,255,.06);
  color: #fff;
  font-weight: 800;
}
.feature-grid { grid-template-columns: repeat(3, 1fr); }
.icon { width: 46px; height: 46px; display: grid; place-items: center; margin-bottom: 18px; color: #fff; background: var(--blue); border-radius: var(--radius); font-weight: 900; }
.loyalty-band {
  margin-top: 28px;
  padding: 28px;
  border-radius: var(--radius);
  background: var(--blue);
  color: #fff;
}
.loyalty-band h3 { font-size: 28px; }
.loyalty-band div { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.loyalty-band p {
  display: grid;
  grid-template-columns: 42px 1fr;
  column-gap: 14px;
  row-gap: 4px;
  align-items: center;
  margin: 0;
  padding: 18px;
  border-radius: var(--radius);
  background: rgba(255,255,255,.12);
}
.loyalty-band .card-icon { grid-row: 1 / span 2; background-color: #fff; }
.loyalty-band strong, .loyalty-band span { display: block; }
.loyalty-band p > span:not(.card-icon) { color: rgba(255,255,255,.78); }
.cta, .end-cta { background: var(--blue); color: #fff; text-align: center; }
.cta-box { max-width: 820px; }
.cta p, .end-cta p { color: rgba(255, 255, 255, .88); font-size: 19px; }
.two-column { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.list-panel { padding: 24px; }
.list-panel p { display: grid; gap: 4px; padding: 16px 0; margin: 0; border-bottom: 1px solid var(--line); }
.list-panel p:last-child { border-bottom: 0; }
.list-panel span { color: var(--muted); }
.review-grid { grid-template-columns: repeat(3, 1fr); gap: 32px; }
.review-grid article { position: relative; min-height: 260px; }
.review-grid article:after {
  content: "”";
  position: absolute;
  top: 10px;
  right: 18px;
  color: #edf1f6;
  font-size: 76px;
  line-height: 1;
  font-family: Georgia, serif;
}
.review-head { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.avatar {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--orange));
  font-weight: 900;
}
.review-head strong, .review-head small { display: block; }
.review-head small { color: var(--muted); }
.stars { color: var(--orange); font-size: 18px; letter-spacing: 2px; margin-bottom: 18px; }
.review-grid p { color: #22324d; }
.review-pill { display: inline-flex; width: max-content; padding: 6px 14px; border-radius: 999px; color: var(--blue-dark); background: #edf7ff; font-size: 14px; }
.center-action { display: flex; justify-content: center; margin-top: 34px; }
.content-block { max-width: 850px; }
.content-block p { color: var(--muted); font-size: 18px; }
.faq { max-width: 860px; margin: 0 auto; }
details { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; padding: 18px 20px; margin-bottom: 12px; }
summary { cursor: pointer; font-weight: 800; }
details p { color: var(--muted); margin: 12px 0 0; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table { width: 100%; border-collapse: collapse; background: #fff; min-width: 720px; }
th, td { padding: 18px; border-bottom: 1px solid var(--line); border-right: 1px solid var(--line); text-align: left; vertical-align: top; }
th:last-child, td:last-child { border-right: 0; }
th { background: #edf7ff; color: var(--blue-dark); }
tr:last-child td { border-bottom: 0; }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.trust-grid article {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 150px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  text-align: left;
}
.trust-grid .card-title {
  display: inline-flex;
  align-items: center;
  justify-content: flex-start;
  gap: 12px;
  min-height: 42px;
  margin-bottom: 16px;
}
.trust-grid .card-icon { background-color: var(--blue); flex: 0 0 auto; }
.trust-grid strong, .trust-grid span { display: block; }
.trust-grid strong { color: var(--blue-dark); font-size: 20px; }
.trust-grid article > span:not(.card-icon) { color: var(--muted); }
.compliance-grid {
  display: grid;
  grid-template-columns: 1fr .72fr;
  gap: 32px;
  align-items: start;
}
.compliance p { color: var(--muted); font-size: 17px; }
.warning-panel {
  padding: 28px;
  border-radius: var(--radius);
  border: 1px solid rgba(255, 64, 129, .25);
  background: #fff5f8;
}
.warning-panel a { color: var(--blue-dark); font-weight: 800; }
.final-cta {
  background: linear-gradient(135deg, var(--orange), #ff7700);
  color: #fff;
  text-align: center;
}
.final-cta-box { max-width: 860px; }
.final-cta p { color: rgba(255,255,255,.88); font-size: 20px; }
.final-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.product-table th {
  background: linear-gradient(90deg, var(--blue), var(--cyan));
  color: #fff;
  font-size: 18px;
  font-weight: 500;
}
.product-table td:first-child { color: #111827; font-weight: 600; background: #f8fafc; }
.product-table strong { color: var(--blue-dark); }
.product-table small { color: #34425a; }
.finance-info {
  margin-top: 32px;
  padding: 32px;
  border: 1px solid rgba(255, 165, 0, .45);
  border-radius: var(--radius);
  background: linear-gradient(135deg, #fff8e8, #fff);
}
.finance-info p, .finance-info li { color: #22324d; }
.finance-info .note, .notice {
  padding: 16px;
  border-radius: var(--radius);
  background: #fffdf4;
  border: 1px solid rgba(255, 165, 0, .35);
}
.legal-blocks { background: #f7f8fa; }
.terms-card, .credit-info-card, .consumer-card, .docs-card, .protected-card {
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  background: #fff;
  box-shadow: 0 12px 30px rgba(23, 32, 51, .07);
  margin-bottom: 30px;
}
.section-title-row { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 22px; }
.section-title-row p { margin: 0; color: var(--muted); }
.section-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: var(--radius);
  background: var(--blue);
  flex: 0 0 auto;
}
.section-icon {
  -webkit-mask: none !important;
  mask: none !important;
}
.section-icon:before {
  content: "";
  width: 24px;
  height: 24px;
  display: block;
  background: #fff;
}
.section-icon.calc-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='2' width='16' height='20' rx='2'/%3E%3Cpath d='M8 6h8M8 10h2M14 10h2M8 14h2M14 14h2M8 18h2M14 18h2'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='2' width='16' height='20' rx='2'/%3E%3Cpath d='M8 6h8M8 10h2M14 10h2M8 14h2M14 14h2M8 18h2M14 18h2'/%3E%3C/svg%3E") center / contain no-repeat;
}
.section-icon.shield-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center / contain no-repeat;
}
.section-icon.money-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='12' rx='2'/%3E%3Ccircle cx='12' cy='12' r='2'/%3E%3Cpath d='M6 12h.01M18 12h.01'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='12' rx='2'/%3E%3Ccircle cx='12' cy='12' r='2'/%3E%3Cpath d='M6 12h.01M18 12h.01'/%3E%3C/svg%3E") center / contain no-repeat;
}
.section-icon.license-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8M8 17h6'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8M8 17h6'/%3E%3C/svg%3E") center / contain no-repeat;
}
.section-icon.user-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 21a8 8 0 0 0-16 0'/%3E%3Ccircle cx='12' cy='7' r='4'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 21a8 8 0 0 0-16 0'/%3E%3Ccircle cx='12' cy='7' r='4'/%3E%3C/svg%3E") center / contain no-repeat;
}
.section-icon.alert-icon:before {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M10.3 3.9 1.8 18a2 2 0 0 0 1.7 3h17a2 2 0 0 0 1.7-3L13.7 3.9a2 2 0 0 0-3.4 0z'/%3E%3Cpath d='M12 9v4M12 17h.01'/%3E%3C/svg%3E") center / contain no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M10.3 3.9 1.8 18a2 2 0 0 0 1.7 3h17a2 2 0 0 0 1.7-3L13.7 3.9a2 2 0 0 0-3.4 0z'/%3E%3Cpath d='M12 9v4M12 17h.01'/%3E%3C/svg%3E") center / contain no-repeat;
}
.card-icon, .section-icon {
  background-color: var(--blue);
  background-repeat: no-repeat;
  background-position: center;
  background-size: 22px 22px;
}
.card-icon {
  width: 42px;
  height: 42px;
  display: block;
  border-radius: var(--radius);
}
.money-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='12' rx='2'/%3E%3Ccircle cx='12' cy='12' r='2'/%3E%3Cpath d='M6 12h.01M18 12h.01'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='12' rx='2'/%3E%3Ccircle cx='12' cy='12' r='2'/%3E%3Cpath d='M6 12h.01M18 12h.01'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.clock-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='9'/%3E%3Cpath d='M12 7v5l3 2'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='9'/%3E%3Cpath d='M12 7v5l3 2'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.user-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 21a8 8 0 0 0-16 0'/%3E%3Ccircle cx='12' cy='7' r='4'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 21a8 8 0 0 0-16 0'/%3E%3Ccircle cx='12' cy='7' r='4'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.license-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8M8 17h6'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8M8 17h6'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.shield-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.calc-icon {
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='2' width='16' height='20' rx='2'/%3E%3Cpath d='M8 6h8M8 10h2M14 10h2M8 14h2M14 14h2M8 18h2M14 18h2'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='2' width='16' height='20' rx='2'/%3E%3Cpath d='M8 6h8M8 10h2M14 10h2M8 14h2M14 14h2M8 18h2M14 18h2'/%3E%3C/svg%3E") center / 22px 22px no-repeat;
}
.terms-grid, .legal-info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 22px 0;
}
.blue-panel, .orange-panel, .legal-box, .calc-box {
  padding: 24px;
  border-radius: var(--radius);
}
.blue-panel { border: 1px solid rgba(0, 153, 255, .28); background: #eefdff; }
.orange-panel { border: 1px solid rgba(255, 165, 0, .35); background: #fff7e8; }
.blue-panel.wide { margin-top: 22px; }
.legal-box { background: #f4f6f9; border: 1px solid var(--line); }
.calc-box { background: #eefdff; border: 1px solid rgba(0, 188, 212, .35); }
.calc-total {
  padding: 14px;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid var(--line);
}
.warning-large {
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid rgba(255, 56, 72, .35);
  background: #fff3f3;
  margin-bottom: 30px;
}
.warning-large > div {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  color: #34425a;
  font-weight: 600;
}
.doc-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px 32px;
  padding: 0;
  margin: 0;
  list-style: none;
}
.doc-links li { position: relative; padding-left: 18px; }
.doc-links li:before {
  content: "";
  position: absolute;
  left: 0;
  top: .72em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
}
.doc-links a {
  color: var(--blue-dark);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.protected-card {
  border-color: rgba(255, 165, 0, .45);
  background: #fffaf0;
}
.consumer-card > p {
  margin: 0 0 16px;
  color: #22324d;
}
.consumer-card .blue-panel {
  margin: 18px 0 18px;
  line-height: 1.7;
}
.consumer-card .notice {
  margin: 0;
  line-height: 1.65;
}
.bottom-warning {
  padding: 22px 26px;
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--radius) var(--radius) 0;
  background: #fff8e8;
  color: #34425a;
}
.footer { background: #101827; color: #cbd5e1; padding: 48px 0 24px; }
.footer-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.footer h2 { color: #fff; font-size: 20px; }
.footer a { display: block; color: #dbeafe; margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 32px; padding-top: 20px; color: #8ea0b8; font-size: 14px; }
.scroll-top { position: fixed; right: 18px; bottom: 18px; width: 44px; height: 44px; border-radius: 50%; border: 0; color: #fff; background: var(--blue); box-shadow: var(--shadow); opacity: 0; pointer-events: none; transition: opacity .2s; }
.scroll-top.visible { opacity: 1; pointer-events: auto; }

.page-hero { background: var(--soft); }
.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: 36px; align-items: start; }
.legal-nav { position: sticky; top: 94px; display: grid; gap: 10px; padding: 18px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.legal-nav a { color: var(--muted); font-weight: 700; }
.legal-nav a:hover { color: var(--blue-dark); }
.legal-content { display: grid; gap: 28px; }
.legal-content section { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.legal-content p, .legal-content li { color: var(--muted); }
.legal-content ul { padding-left: 20px; }
.info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 20px 0; }
.info-grid p { display: grid; gap: 4px; padding: 16px; border-radius: var(--radius); background: var(--soft); margin: 0; }
.info-grid strong { color: var(--ink); }
.doc-list { display: grid; gap: 10px; }
.doc-list a { padding: 14px 16px; border: 1px solid var(--line); border-radius: var(--radius); color: var(--blue-dark); font-weight: 700; background: var(--soft); }

@media (max-width: 980px) {
  .menu-toggle { display: inline-flex; }
  .menu { display: none; position: absolute; left: 16px; right: 16px; top: 74px; padding: 16px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); flex-direction: column; align-items: stretch; }
  .menu.open { display: flex; }
  .nav-actions { display: none; }
  .hero-grid, .two-column, .legal-layout, .mid-cta-box, .compliance-grid { grid-template-columns: 1fr; }
  .steps, .feature-grid, .review-grid, .footer-grid, .trust-grid, .terms-grid, .legal-info-grid, .doc-links { grid-template-columns: repeat(2, 1fr); }
  .legal-nav { position: static; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 28px, 1160px); }
  .section { padding: 36px 0; }
  .brand { font-size: 19px; }
  .hero { padding-top: 32px; padding-bottom: 34px; }
  .hero:before { inset: 28px auto auto 16%; width: 340px; height: 340px; }
  h1 { font-size: 40px; margin-bottom: 18px; }
  h2 { font-size: 30px; }
  .lead { font-size: 20px; }
  .hero-points, .steps, .feature-grid, .review-grid, .footer-grid, .info-grid, .trust-grid, .loyalty-band div, .mini-summary, .terms-grid, .legal-info-grid, .doc-links { grid-template-columns: 1fr; }
  .hero-points { display: none; }
  .loan-card { padding: 22px; }
  .amount-output { font-size: 42px; }
  .promo-box { align-items: stretch; flex-direction: column; }
  .promo-timer { width: 100%; }
  .section-head { margin-bottom: 24px; }
  .section-head p:last-child { font-size: 16px; }
  .two-column { gap: 22px; }
  .list-panel {
    padding: 0;
    border: 0;
    background: transparent;
    box-shadow: none;
  }
  .list-panel p { padding: 16px 0; }
  .legal-blocks { background: #fff; }
  .legal-blocks .container { width: min(100% - 28px, 1160px); }
  .terms-card,
  .credit-info-card,
  .consumer-card,
  .docs-card,
  .protected-card,
  .warning-large {
    padding: 0;
    border: 0;
    background: transparent;
    box-shadow: none;
    margin-bottom: 34px;
  }
  .finance-info {
    padding: 20px 0 0;
    border: 0;
    background: transparent;
    margin-top: 24px;
  }
  .section-title-row {
    gap: 12px;
    align-items: flex-start;
    margin-bottom: 16px;
  }
  .section-icon {
    width: 40px;
    height: 40px;
  }
  .section-icon:before {
    width: 21px;
    height: 21px;
  }
  .blue-panel,
  .orange-panel,
  .legal-box,
  .calc-box,
  .warning-large > div,
  .notice {
    padding: 16px;
  }
  .warning-large > div {
    border: 0;
    background: transparent;
    padding: 0;
  }
  .warning-large .section-title-row {
    padding: 0;
    border: 0;
    background: transparent;
  }
  .consumer-card .blue-panel {
    margin: 14px 0;
  }
  .doc-links {
    gap: 10px;
  }
  .bottom-warning {
    padding: 16px;
    margin: 0 0 24px;
  }
}