/* ==========================================================================
   BB Credit landing page
   Brand colors are sampled from the logo: navy "BB", royal-blue "Credit",
   and the navy -> blue arc.
   ========================================================================== */

:root {
  --navy: #01238E;
  --royal: #0E62E0;
  --arc-1: #0B3DA5;
  --arc-2: #1A5CC3;
  --sky: #5B9BFF;
  --sky-soft: #A9CBFF;
  --ink: #020B2E;
  --ink-2: #06134A;
  --tint: #EEF3FD;
  --line: #DCE4F5;
  --text: #0B1330;
  --muted: #5B6478;

  --font-display: "Montserrat", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;

  --gutter: clamp(16px, 4vw, 48px);
  --header-h: 72px;
  --radius: 20px;
  --focus: var(--royal);
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 8px);
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: #fff;
  color: var(--text);
  font: 400 16px/1.6 var(--font-body);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3, p, ul, ol, dl, dd { margin: 0; }
ul, ol { padding: 0; list-style: none; }
button, select { font: inherit; }

:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 6px; }

.container { width: min(100% - 2 * var(--gutter), 1280px); margin-inline: auto; }
.icon { width: 1.25em; height: 1.25em; flex: none; }

.skip-link {
  position: fixed; left: 16px; top: -64px; z-index: 100;
  background: #fff; color: var(--navy); padding: 12px 20px; border-radius: 999px;
  font-weight: 600; text-decoration: none; box-shadow: 0 8px 24px rgba(2, 11, 46, .25);
  transition: top .2s;
}
.skip-link:focus { top: 16px; }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  height: 52px; padding: 0 28px; border-radius: 999px;
  font: 600 16px/1 var(--font-body); text-decoration: none; white-space: nowrap;
  border: 1.5px solid transparent; cursor: pointer;
  transition: background-color .2s, color .2s, border-color .2s, transform .2s var(--ease), box-shadow .2s;
}
.btn .icon { width: 18px; height: 18px; transition: transform .2s var(--ease); }
.btn:hover .icon { transform: translateX(3px); }
.btn:active { transform: scale(.98); }
.btn--sm { height: 44px; padding: 0 22px; font-size: 15px; }
.btn--white { background: #fff; color: var(--navy); }
.btn--white:hover { background: #E8F0FF; box-shadow: 0 10px 30px rgba(2, 11, 46, .25); }
.btn--primary { background: var(--navy); color: #fff; }
.btn--primary:hover { background: var(--arc-1); box-shadow: 0 10px 30px rgba(1, 35, 142, .3); }
.btn--outline { border-color: var(--navy); color: var(--navy); }
.btn--outline:hover { background: var(--tint); }
.btn--outline-light { border-color: rgba(255, 255, 255, .75); color: #fff; }
.btn--outline-light:hover { background: rgba(255, 255, 255, .14); }

.link-arrow {
  display: inline-flex; align-items: center; gap: .5em; font-weight: 600;
  text-decoration: none; padding: 12px 4px; background: linear-gradient(currentColor, currentColor) 0 calc(100% - 8px) / 0 2px no-repeat;
  transition: background-size .3s var(--ease);
}
.link-arrow:hover { background-size: calc(100% - 1.75em) 2px; }
.link-arrow .icon { width: 18px; height: 18px; }
.link-arrow--light { color: #fff; }

.eyebrow {
  font: 600 13px/1.2 var(--font-body); letter-spacing: .14em; text-transform: uppercase;
  color: var(--royal); margin-bottom: 18px;
}
.eyebrow--light { color: var(--sky-soft); }

/* ==========================================================================
   Header
   ========================================================================== */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 50; height: var(--header-h);
  color: #fff; --focus: #fff;
  transition: background-color .25s, box-shadow .25s, color .25s;
}
.site-header.is-solid {
  background: rgba(255, 255, 255, .96); color: var(--navy); --focus: var(--royal);
  box-shadow: 0 1px 0 var(--line), 0 10px 30px rgba(1, 35, 142, .06);
}
@supports (backdrop-filter: blur(12px)) {
  .site-header.is-solid { background: rgba(255, 255, 255, .96); backdrop-filter: blur(14px) saturate(1.4); }
}
.header-inner { height: 100%; display: flex; align-items: center; gap: clamp(20px, 3vw, 48px); }

.brand { display: flex; align-items: center; flex: none; }
.logo { height: 42px; width: auto; }
.logo--color { display: none; }
.site-header.is-solid .logo--white { display: none; }
.site-header.is-solid .logo--color { display: block; }

/* Personal | Business, with Visa-style indicator bar above the active tab */
.audience { display: flex; align-self: stretch; gap: 4px; }
.audience-btn {
  position: relative; padding: 0 16px; background: none; border: 0; cursor: pointer;
  color: inherit; opacity: .72; font: 500 15px/1 var(--font-body); transition: opacity .2s;
}
.audience-btn:hover { opacity: 1; }
.audience-btn::before {
  content: ""; position: absolute; top: 0; left: 12px; right: 12px; height: 4px;
  background: currentColor; border-radius: 0 0 3px 3px;
  transform: scaleX(0); transition: transform .3s var(--ease);
}
.audience-btn[aria-pressed="true"] { opacity: 1; }
.audience-btn[aria-pressed="true"]::before { transform: scaleX(1); }

.header-actions { margin-left: auto; display: flex; align-items: center; gap: 12px; }
.header-link { font-weight: 500; font-size: 15px; text-decoration: none; padding: 12px 14px; border-radius: 999px; }
.header-link:hover { background: rgba(255, 255, 255, .14); }
.site-header.is-solid .header-link:hover { background: var(--tint); }
.site-header:not(.is-solid) .btn--white:hover { box-shadow: none; }
.site-header.is-solid .header-apply { background: var(--navy); color: #fff; }
.site-header.is-solid .header-apply:hover { background: var(--arc-1); }

.burger {
  display: none; width: 44px; height: 44px; border: 0; background: none; color: inherit;
  cursor: pointer; position: relative; border-radius: 12px;
}
.burger span {
  position: absolute; left: 11px; right: 11px; height: 2px; border-radius: 2px;
  background: currentColor; transition: transform .25s var(--ease), top .25s var(--ease);
}
.burger span:nth-child(1) { top: 16px; }
.burger span:nth-child(2) { top: 26px; }
.burger[aria-expanded="true"] span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { top: 21px; transform: rotate(-45deg); }

.drawer {
  position: absolute; top: var(--header-h); left: 0; right: 0;
  background: #fff; color: var(--navy); --focus: var(--royal);
  padding: 20px var(--gutter) 28px; max-height: calc(100svh - var(--header-h)); overflow: auto;
  box-shadow: 0 24px 40px rgba(2, 11, 46, .18); border-top: 1px solid var(--line);
}
.drawer[hidden] { display: none; }
.audience--drawer { background: var(--tint); padding: 4px; border-radius: 999px; gap: 0; align-self: auto; }
.audience--drawer .audience-btn { flex: 1; height: 44px; border-radius: 999px; opacity: 1; color: var(--navy); }
.audience--drawer .audience-btn::before { display: none; }
.audience--drawer .audience-btn[aria-pressed="true"] { background: var(--navy); color: #fff; }
.drawer-nav { display: grid; margin: 12px 0 20px; }
.drawer-nav a { padding: 16px 4px; font: 500 18px/1.2 var(--font-display); text-decoration: none; border-bottom: 1px solid var(--line); }
.drawer-cta { display: grid; gap: 12px; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative; isolation: isolate; overflow: hidden; color: #fff; --focus: #fff;
  min-height: clamp(640px, 100svh, 880px);
  display: flex; align-items: center;
  padding: calc(var(--header-h) + 48px) 0 clamp(120px, 15vw, 200px);
  background: linear-gradient(135deg, var(--navy) 0%, var(--arc-1) 45%, var(--arc-2) 100%);
}
.hero-img {
  position: absolute; inset: 0; width: 100%; height: 100%; z-index: -3;
  object-fit: cover; object-position: 70% 28%;
}
.hero-shade {
  position: absolute; inset: 0; z-index: -2;
  background:
    linear-gradient(90deg, rgba(2, 11, 46, .94) 0%, rgba(1, 35, 142, .82) 38%, rgba(1, 35, 142, .28) 70%, rgba(2, 11, 46, .08) 100%),
    linear-gradient(0deg, rgba(2, 11, 46, .5), transparent 40%);
}
.hero-grid { position: relative; }
.hero-content { max-width: 700px; }
.hero h1 {
  font: 300 clamp(42px, 6.4vw, 92px)/1.03 var(--font-display); letter-spacing: -.035em; margin-bottom: 28px;
}
.hero .accent { font-weight: 500; color: var(--sky-soft); }
.hero .lead { font-size: clamp(17px, 1.6vw, 20px); line-height: 1.6; max-width: 560px; color: rgba(255, 255, 255, .88); margin-bottom: 40px; }
.hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 28px; }

.hero-content > * { animation: rise .9s var(--ease) both; }
.hero-content > :nth-child(2) { animation-delay: .08s; }
.hero-content > :nth-child(3) { animation-delay: .16s; }
.hero-content > :nth-child(4) { animation-delay: .24s; }
@keyframes rise { from { opacity: 0; transform: translateY(24px); } }

.hero-curve { position: absolute; left: 0; right: 0; bottom: -2px; width: 100%; height: clamp(90px, 13vw, 200px); z-index: -1; pointer-events: none; overflow: visible; }

/* Floating decorative loan card */
.hero-float {
  position: absolute; right: 0; bottom: 0; width: 310px; display: none;
  animation: float 7s ease-in-out infinite;
}
.hero-card {
  background: rgba(255, 255, 255, .97); color: var(--text); border-radius: 22px; padding: 22px;
  box-shadow: 0 40px 80px rgba(2, 11, 46, .4), 0 0 0 1px rgba(255, 255, 255, .5);
}
.hc-top { display: flex; align-items: center; gap: 12px; }
.hc-badge {
  flex: none; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--arc-1), var(--sky)); color: #fff;
}
.hc-badge .icon { width: 18px; height: 18px; }
.hc-title { font: 600 15px/1.2 var(--font-body); color: var(--navy); }
.hc-sub { font-size: 13px; color: var(--muted); line-height: 1.3; }
.hc-amount { font: 600 34px/1 var(--font-display); letter-spacing: -.02em; color: var(--navy); margin: 22px 0 14px; }
.hc-bar { height: 6px; border-radius: 6px; background: var(--tint); overflow: hidden; margin-bottom: 16px; }
.hc-bar span { display: block; height: 100%; width: 38%; border-radius: 6px; background: linear-gradient(90deg, var(--navy), var(--sky)); }
.hc-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-size: 13px; color: var(--muted); }
.hc-row strong { font: 600 16px/1 var(--font-display); color: var(--text); }
.hero-chip {
  position: absolute; left: -64px; top: -26px; z-index: 1;
  display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px 10px 12px;
  background: var(--navy); color: #fff; border-radius: 999px; font: 600 13px/1 var(--font-body);
  box-shadow: 0 16px 32px rgba(2, 11, 46, .35); border: 1px solid rgba(255, 255, 255, .22);
}
.hero-chip .icon { width: 16px; height: 16px; padding: 2px; border-radius: 50%; background: var(--sky); color: var(--ink); }
@keyframes float { 50% { transform: translateY(-12px); } }

@media (min-width: 1100px) { .hero-float { display: block; } }
@media (min-width: 1100px) { .hero-grid { padding-right: 330px; } }

/* ==========================================================================
   Quick links
   ========================================================================== */
.quick { padding: clamp(32px, 4vw, 56px) 0 clamp(40px, 6vw, 88px); }
.quick-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(8px, 2vw, 24px); }
.quick-item {
  display: flex; align-items: flex-start; gap: 16px; padding: 14px; border-radius: 18px; text-decoration: none;
  transition: background-color .2s;
}
.quick-item:hover { background: var(--tint); }
.quick-item strong { display: block; font: 600 16px/1.3 var(--font-body); color: var(--navy); margin-bottom: 2px; }
.quick-item > span:last-child > span { font-size: 14px; line-height: 1.45; color: var(--muted); }
.quick-icon {
  flex: none; width: 52px; height: 52px; border-radius: 16px; display: grid; place-items: center;
  background: var(--tint); color: var(--royal);
}
.quick-item:hover .quick-icon { background: #fff; }
.quick-icon .icon { width: 26px; height: 26px; }

/* ==========================================================================
   Loan finder (dark sentence builder)
   ========================================================================== */
.finder {
  position: relative; overflow: hidden; isolation: isolate; color: #fff; --focus: #fff;
  background: var(--ink); padding: clamp(72px, 9vw, 128px) 0;
}
.finder-glow {
  position: absolute; z-index: -1; width: 900px; height: 900px; right: -260px; top: -380px; border-radius: 50%;
  background: radial-gradient(closest-side, rgba(14, 98, 224, .5), rgba(1, 35, 142, .18) 60%, transparent);
}
.finder::after {
  content: ""; position: absolute; z-index: -1; left: -10%; right: -10%; bottom: -170px; height: 300px; border-radius: 50%;
  border-top: 2px solid rgba(91, 155, 255, .35);
}
.sentence { margin: 8px 0 clamp(40px, 6vw, 72px); }
.sentence-line { font: 300 clamp(26px, 4.2vw, 58px)/1.5 var(--font-display); letter-spacing: -.025em; }

.pick {
  display: inline-block; position: relative; vertical-align: baseline; max-width: 100%;
  border-bottom: 2px solid rgba(255, 255, 255, .8); line-height: 1.12; margin: 0 .08em;
  transition: border-color .2s;
}
.pick:hover, .pick:focus-within { border-bottom-color: var(--sky); }
.pick select {
  appearance: none; -webkit-appearance: none; box-sizing: content-box; max-width: 100%;
  margin: 0; padding: 0 .8em .04em 0; border: 0; border-radius: 0; cursor: pointer;
  background: transparent url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right .02em center / .5em;
  color: #fff; font: inherit; letter-spacing: inherit; text-overflow: ellipsis;
}
.pick select option { color: var(--text); background: #fff; font: 500 16px var(--font-body); }
.pick:focus-within { outline: 3px solid #fff; outline-offset: 6px; border-radius: 4px; }
.pick select:focus-visible { outline: none; }

.result {
  display: grid; grid-template-columns: 1.2fr 1fr auto; align-items: center; gap: 24px clamp(24px, 4vw, 56px);
  padding: clamp(24px, 3vw, 40px); border-radius: 28px;
  background: linear-gradient(135deg, rgba(255, 255, 255, .09), rgba(255, 255, 255, .03));
  border: 1px solid rgba(255, 255, 255, .14);
}
.result-label { font-size: 14px; color: var(--sky-soft); margin-bottom: 8px; font-weight: 500; }
.result-figure { font: 600 clamp(36px, 4.6vw, 60px)/1.05 var(--font-display); letter-spacing: -.03em; }
.result-figure small { font: 400 17px var(--font-body); letter-spacing: 0; color: rgba(255, 255, 255, .7); margin-left: 8px; }
.result-note { font-size: 14px; color: rgba(255, 255, 255, .65); margin-top: 10px; }
.result-stats { display: grid; gap: 14px; }
.result-stats div { display: flex; justify-content: space-between; gap: 16px; padding-bottom: 14px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.result-stats div:last-child { border: 0; padding-bottom: 0; }
.result-stats dt { color: rgba(255, 255, 255, .7); font-size: 15px; }
.result-stats dd { font-weight: 600; font-size: 16px; text-align: right; }
.fineprint { margin-top: 20px; font-size: 13px; line-height: 1.55; color: rgba(255, 255, 255, .55); max-width: 760px; }

/* ==========================================================================
   Sections
   ========================================================================== */
.section { padding: clamp(72px, 9vw, 128px) 0; }
.section-head { max-width: 760px; margin-bottom: clamp(36px, 5vw, 64px); }
.section-head--center { margin-inline: auto; text-align: center; }
h1, h2, h3 { text-wrap: balance; }
h2 { font: 400 clamp(32px, 4.4vw, 58px)/1.08 var(--font-display); letter-spacing: -.028em; color: var(--navy); }
.section-sub { margin-top: 20px; font-size: clamp(16px, 1.4vw, 19px); color: var(--muted); max-width: 560px; }
.section-head--center .section-sub { margin-inline: auto; }

/* ---------- Loans grid ---------- */
.loans-grid { display: grid; grid-template-columns: 1.55fr 1fr 1fr 1fr; gap: clamp(16px, 2vw, 28px); }
.card { position: relative; display: flex; flex-direction: column; text-decoration: none; color: inherit; }
.card-media {
  position: relative; flex: none; height: clamp(380px, 36vw, 500px); border-radius: var(--radius); overflow: hidden;
  background: linear-gradient(160deg, var(--navy), var(--arc-2) 70%, var(--sky));
}
.card-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.card-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(2, 11, 46, .28), transparent 45%); }
.card--feature .card-media img { object-position: 50% 28%; }
.card:hover .card-media img { transform: scale(1.05); }
.card-body { position: relative; padding: 22px 56px 0 2px; }
.card-tag { font: 600 12px/1 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--royal); margin-bottom: 10px; }
.card h3 { font: 600 clamp(19px, 1.7vw, 23px)/1.25 var(--font-display); letter-spacing: -.015em; color: var(--navy); margin-bottom: 8px; }
.card--feature h3 { font-size: clamp(22px, 2.2vw, 30px); }
.card-body > p:not(.card-tag) { font-size: 15px; line-height: 1.55; color: var(--muted); }
.card-arrow {
  position: absolute; right: 0; top: 18px; width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center; background: var(--tint); color: var(--navy);
  transition: background-color .25s, color .25s, transform .25s var(--ease);
}
.card-arrow .icon { width: 20px; height: 20px; }
.card:hover .card-arrow { background: var(--navy); color: #fff; transform: translateX(4px); }
.card:focus-visible { border-radius: var(--radius); }

/* ---------- How it works ---------- */
.how { background: var(--tint); }
.how-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(40px, 7vw, 112px); align-items: start; }
.how-intro { position: sticky; top: calc(var(--header-h) + 32px); }
.how-intro .btn { margin-top: 32px; }
.steps { display: grid; gap: 0; counter-reset: step; }
.step { position: relative; display: grid; grid-template-columns: 60px 1fr; gap: 24px; padding-bottom: 44px; }
.step:last-child { padding-bottom: 0; }
.step::before {
  content: ""; position: absolute; left: 29px; top: 64px; bottom: 4px; width: 2px;
  background: linear-gradient(var(--royal), rgba(14, 98, 224, .12));
}
.step:last-child::before { display: none; }
.step-num {
  width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center; color: #fff;
  font: 600 22px/1 var(--font-display); background: linear-gradient(135deg, var(--navy), var(--royal));
  box-shadow: 0 10px 24px rgba(1, 35, 142, .25);
}
.step h3 { font: 600 clamp(19px, 1.8vw, 24px)/1.25 var(--font-display); letter-spacing: -.015em; color: var(--navy); padding-top: 14px; margin-bottom: 8px; }
.step p { color: var(--muted); max-width: 520px; }

/* ---------- Why BB Credit ---------- */
.why-grid { display: grid; grid-template-columns: 5fr 6fr; gap: clamp(40px, 7vw, 104px); align-items: center; }
.why-media {
  position: relative; aspect-ratio: 4 / 5; border-radius: 32px; overflow: hidden;
  background: linear-gradient(160deg, var(--navy), var(--sky));
}
.why-media img { width: 100%; height: 100%; object-fit: cover; }
.why-chip {
  position: absolute; left: 20px; right: 20px; bottom: 20px; display: flex; align-items: center; gap: 12px;
  padding: 14px 16px; border-radius: 18px; background: rgba(255, 255, 255, .95);
  box-shadow: 0 20px 40px rgba(2, 11, 46, .28);
}
.why-copy h2 { max-width: 560px; }
.features { display: grid; grid-template-columns: 1fr 1fr; gap: 32px 36px; margin-top: clamp(32px, 4vw, 52px); }
.features li { display: grid; gap: 16px; align-content: start; }
.features h3 { font: 600 19px/1.3 var(--font-display); letter-spacing: -.01em; color: var(--navy); margin-bottom: 6px; }
.features p { font-size: 15px; color: var(--muted); }

.stats {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: clamp(56px, 8vw, 104px);
  border-top: 1px solid var(--line);
}
.stats > div { padding: clamp(28px, 4vw, 48px) clamp(16px, 3vw, 40px) 0 0; }
.stats > div + div { padding-left: clamp(16px, 3vw, 40px); border-left: 1px solid var(--line); }
.stats dt { font: 600 13px/1 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--royal); margin-bottom: 14px; }
.stats dd { font: 300 clamp(48px, 6.4vw, 88px)/1 var(--font-display); letter-spacing: -.04em; color: var(--navy); }
.stats dd span { font-size: .38em; font-weight: 500; letter-spacing: 0; margin-left: 6px; color: var(--royal); }
.stats p { margin-top: 10px; font-size: 15px; color: var(--muted); max-width: 260px; }

/* ---------- FAQ ---------- */
.faq { background: var(--tint); }
.faq-wrap { max-width: 920px; }
.faq-list { border-top: 1px solid #C9D6F2; }
.faq-list details { border-bottom: 1px solid #C9D6F2; }
.faq-list summary {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; cursor: pointer; list-style: none;
  padding: 26px 4px; font: 500 clamp(17px, 1.6vw, 21px)/1.35 var(--font-display); color: var(--navy);
  transition: color .2s;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: ""; flex: none; width: 11px; height: 11px; margin-right: 6px;
  border-right: 2px solid var(--royal); border-bottom: 2px solid var(--royal);
  transform: rotate(45deg) translate(-2px, -2px); transition: transform .3s var(--ease);
}
.faq-list details[open] summary::after { transform: rotate(225deg) translate(-2px, -2px); }
.faq-list summary:hover { color: var(--royal); }
.faq-list details p { padding: 0 48px 28px 4px; color: var(--muted); max-width: 720px; }

/* ---------- CTA ---------- */
.cta-wrap { padding: clamp(56px, 7vw, 104px) 0; }
.cta {
  position: relative; overflow: hidden; isolation: isolate; color: #fff; --focus: #fff;
  display: flex; align-items: center; justify-content: space-between; gap: 32px 48px; flex-wrap: wrap;
  padding: clamp(36px, 6vw, 80px); border-radius: clamp(24px, 3vw, 40px);
  background: linear-gradient(115deg, var(--navy) 0%, var(--arc-1) 45%, var(--arc-2) 100%);
}
.cta-arc { position: absolute; z-index: -1; right: -40px; bottom: -20px; width: min(900px, 100%); height: auto; }
.cta h2 { color: #fff; font-weight: 300; font-size: clamp(34px, 5vw, 64px); }
.cta-copy p { margin-top: 14px; font-size: clamp(16px, 1.5vw, 19px); color: rgba(255, 255, 255, .85); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--ink); color: rgba(255, 255, 255, .8); padding: clamp(56px, 7vw, 96px) 0 clamp(32px, 4vw, 56px); --focus: #fff; overflow: hidden; }
.footer-cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px 24px; }
.site-footer h2 { font: 600 13px/1 var(--font-body); letter-spacing: .12em; text-transform: uppercase; color: var(--sky-soft); margin-bottom: 22px; }
.site-footer li + li { margin-top: 4px; }
.site-footer nav a { display: inline-block; padding: 6px 0; font-size: 15px; text-decoration: none; color: rgba(255, 255, 255, .85); }
.site-footer nav a:hover { color: #fff; text-decoration: underline; text-underline-offset: 4px; }

.footer-mid {
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 20px;
  margin-top: clamp(40px, 5vw, 72px); padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .14);
}
.social { display: flex; gap: 8px; }
.social a { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; color: #fff; transition: background-color .2s; }
.social a:hover { background: rgba(255, 255, 255, .14); }
.social .icon { width: 21px; height: 21px; }
.copyright { font-size: 14px; color: rgba(255, 255, 255, .6); }
.legal { margin-top: 24px; font-size: 13px; line-height: 1.7; color: rgba(255, 255, 255, .55); max-width: 900px; }
.wordmark { width: 100%; height: auto; margin-top: clamp(40px, 6vw, 88px); }

/* ==========================================================================
   Scroll reveal (JS adds .js to <html>; content stays visible without it)
   ========================================================================== */
.js .reveal { opacity: 0; transform: translateY(26px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0s); }
.js .reveal.is-in { opacity: 1; transform: none; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1099px) {
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .card--feature { grid-column: 1 / -1; }
  .card-media { height: clamp(300px, 42vw, 440px); }
  .card--feature .card-media { height: clamp(320px, 50vw, 460px); }
  .result { grid-template-columns: 1fr 1fr; }
  .result-btn { grid-column: 1 / -1; justify-self: start; }
  .footer-cols { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 899px) {
  .audience--header, .header-link { display: none; }
  .burger { display: block; }
  .site-header.menu-open { background: #fff; color: var(--navy); --focus: var(--royal); }
  .site-header.menu-open .logo--white { display: none; }
  .site-header.menu-open .logo--color { display: block; }
  .site-header.menu-open .header-apply { background: var(--navy); color: #fff; }
  .how-grid, .why-grid { grid-template-columns: 1fr; }
  .how-intro { position: static; }
  .why-media { aspect-ratio: 4 / 3; }
  .quick-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 719px) {
  :root { --header-h: 64px; }
  .logo { height: 36px; }
  .hero { min-height: 0; padding-top: calc(var(--header-h) + 56px); }
  .hero-shade { background: linear-gradient(180deg, rgba(2, 11, 46, .9), rgba(1, 35, 142, .78) 60%, rgba(2, 11, 46, .6)); }
  .hero-content { text-align: center; margin-inline: auto; }
  .hero .lead { margin-inline: auto; }
  .hero-cta { justify-content: center; }
  .result { grid-template-columns: 1fr; }
  .result-btn { width: 100%; }
  .loans-grid { grid-template-columns: 1fr; }
  .card-media, .card--feature .card-media { height: 340px; }
  .features { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .stats > div, .stats > div + div { padding: 28px 0 0; border-left: 0; }
  .stats > div + div { margin-top: 28px; border-top: 1px solid var(--line); }
  .cta { flex-direction: column; align-items: flex-start; }
  .cta-actions { width: 100%; }
  .cta-actions .btn { flex: 1 1 100%; }
  .faq-list details p { padding-right: 8px; }
  .footer-cols { gap: 36px 16px; }
}

@media (max-width: 440px) {
  .quick-grid { grid-template-columns: 1fr; }
  .header-apply { padding: 0 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition-duration: .01ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}