:root{
      /* Updated theme: Blue + Light Green */
      --bg: #043b60;
      --surface: rgba(255,255,255,.06);
      --surface-2: rgba(255,255,255,.10);
      --text: #eaf6ff;
      --muted: rgba(234,246,255,.75);

      --brand: #1e88ff;     /* blue */
      --brand-2: #65d66b;   /* light green */

      --ok: #65d66b;
      --warn: #ffcc66;
      --danger: #ff6b6b;
      --shadow: 0 16px 48px rgba(0,0,0,.45);
      --radius: 16px;
      --max: 1120px;
    }

    *{ box-sizing: border-box; }
    html, body{ height: 100%; }
    body{
      margin: 0;
      font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, "Helvetica Neue", Arial, "Noto Sans", "Liberation Sans", sans-serif;
      color: var(--text);
      background:
        radial-gradient(900px 600px at 15% 10%, rgba(30,136,255,.24), transparent 55%),
        radial-gradient(850px 650px at 85% 15%, rgba(101,214,107,.22), transparent 55%),
        radial-gradient(900px 650px at 55% 95%, rgba(30,136,255,.16), transparent 55%),
        linear-gradient(180deg, #051321, var(--bg));
      line-height: 1.55;
    }

    a{ color: inherit; text-decoration: none; }
    .container{ width: min(var(--max), calc(100% - 40px)); margin: 0 auto; }

    /* Header */
    header{
      position: sticky;
      top: 0;
      z-index: 50;
      backdrop-filter: blur(14px);
      background: rgba(5,19,33,.58);
      border-bottom: 1px solid rgba(255,255,255,.07);
    }
    .nav{
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 16px;
      padding: 14px 0;
    }
    .brand{
      display: flex;
      align-items: center;
      gap: 12px;
      min-width: 220px;
    }
    .logo{
      width: 42px; height: 42px;
      border-radius: 12px;
      background:
        linear-gradient(135deg, var(--brand), var(--brand-2));
      box-shadow: 0 12px 28px rgba(30,136,255,.18);
      position: relative;
      overflow: hidden;
    }
    .logo::after{
      content:"";
      position:absolute; inset:-40%;
      background: radial-gradient(circle at 30% 30%, rgba(255,255,255,.42), transparent 55%);
      transform: rotate(18deg);
    }
    .brand h1{
      font-size: 14px;
      line-height: 1.1;
      margin: 0;
      letter-spacing: .2px;
    }
    .brand span{
      display:block;
      font-size: 12px;
      color: var(--muted);
      margin-top: 2px;
    }

    nav ul{
      list-style: none;
      display: flex;
      gap: 18px;
      padding: 0;
      margin: 0;
    }
    nav a{
      font-size: 14px;
      color: var(--muted);
      padding: 10px 10px;
      border-radius: 10px;
      transition: background .2s ease, color .2s ease;
    }
    nav a:hover{
      background: rgba(255,255,255,.07);
      color: var(--text);
    }

    .nav-cta{
      display:flex;
      align-items:center;
      gap: 10px;
      min-width: 220px;
      justify-content: flex-end;
    }
    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      gap: 10px;
      padding: 11px 14px;
      border-radius: 12px;
      border: 1px solid rgba(255,255,255,.14);
      background: rgba(255,255,255,.06);
      color: var(--text);
      font-weight: 600;
      font-size: 14px;
      cursor: pointer;
      transition: transform .15s ease, background .2s ease, border-color .2s ease;
      white-space: nowrap;
    }
    .btn:hover{ transform: translateY(-1px); background: rgba(255,255,255,.09); border-color: rgba(255,255,255,.18); }
    .btn.primary{
      border: none;
      background: linear-gradient(135deg, var(--brand), var(--brand-2));
      box-shadow: 0 16px 34px rgba(30,136,255,.16);
    }
    .btn.primary:hover{
      background: linear-gradient(135deg, #3a9bff, #7be381);
    }
    .btn.small{ padding: 9px 12px; border-radius: 11px; font-weight: 650; }

    /* Hero */
    .hero{
      padding: 56px 0 22px;
    }
    .hero-grid{
      display:grid;
      grid-template-columns: 1.15fr .85fr;
      gap: 28px;
      align-items: start;
    }
    .hero h2{
      font-size: clamp(30px, 4vw, 46px);
      line-height: 1.08;
      margin: 0 0 14px;
      letter-spacing: -.6px;
    }
    .hero p{
      margin: 0 0 18px;
      font-size: 16px;
      color: var(--muted);
      max-width: 58ch;
    }
    .pill-row{
      display:flex;
      flex-wrap: wrap;
      gap: 10px;
      margin: 18px 0 22px;
    }
    .pill{
      font-size: 13px;
      color: rgba(234,246,255,.86);
      border: 1px solid rgba(255,255,255,.14);
      background: rgba(255,255,255,.05);
      padding: 8px 10px;
      border-radius: 999px;
    }
    .pill b{ color: var(--text); }

    .hero-actions{
      display:flex;
      gap: 12px;
      flex-wrap: wrap;
      margin: 16px 0 26px;
    }

    .trust{
      display:flex;
      gap: 14px;
      flex-wrap: wrap;
      align-items: center;
      color: rgba(234,246,255,.7);
      font-size: 13px;
    }
    .trust .dot{
      width: 4px; height: 4px;
      background: rgba(234,246,255,.55);
      border-radius: 999px;
    }

    /* Card */
    .card{
      border: 1px solid rgba(255,255,255,.12);
      background: linear-gradient(180deg, rgba(255,255,255,.07), rgba(255,255,255,.05));
      border-radius: var(--radius);
      box-shadow: var(--shadow);
    }

    /* Quote/Stats card */
    .aside{
      padding: 18px;
      position: relative;
      overflow:hidden;
    }
    .aside::before{
      content:"";
      position:absolute;
      inset:-40%;
      background:
        radial-gradient(circle at 18% 22%, rgba(30,136,255,.22), transparent 55%),
        radial-gradient(circle at 78% 18%, rgba(101,214,107,.22), transparent 55%),
        radial-gradient(circle at 55% 78%, rgba(30,136,255,.14), transparent 55%);
      transform: rotate(10deg);
      pointer-events: none;
    }
    .aside > *{ position: relative; }
    .aside h3{
      margin: 0 0 6px;
      font-size: 16px;
      letter-spacing: .1px;
    }
    .aside p{
      margin: 0 0 14px;
      color: rgba(234,246,255,.78);
      font-size: 14px;
    }
    .stats{
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap: 10px;
    }
    .stat{
      padding: 12px;
      border-radius: 14px;
      background: rgba(0,0,0,.18);
      border: 1px solid rgba(255,255,255,.10);
    }
    .stat .k{
      font-size: 18px;
      font-weight: 800;
      letter-spacing: -.3px;
    }
    .stat .l{
      font-size: 12px;
      color: rgba(234,246,255,.72);
      margin-top: 2px;
    }

    /* Sections */
    section{ padding: 44px 0; }
    .section-title{
      display:flex;
      align-items: flex-end;
      justify-content: space-between;
      gap: 14px;
      margin-bottom: 18px;
    }
    .section-title h3{
      margin: 0;
      font-size: 22px;
      letter-spacing: -.2px;
    }
    .section-title p{
      margin: 0;
      color: var(--muted);
      font-size: 14px;
      max-width: 62ch;
    }

    .grid-3{
      display:grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
    }
    .feature{
      padding: 16px;
    }
    .feature .icon{
      width: 40px; height: 40px;
      border-radius: 14px;
      display:grid;
      place-items:center;
      background: rgba(255,255,255,.06);
      border:  1px solid rgba(255,255,255,.12);
      margin-bottom: 10px;
    }
    .feature h4{ margin: 0 0 6px; font-size: 16px; }
    .feature p{ margin: 0; color: var(--muted); font-size: 14px; }

    /* Loan products */
    .product{
      padding: 16px;
      display:flex;
      flex-direction: column;
      gap: 10px;
      min-height: 210px;
    }
    .badge{
      align-self: flex-start;
      font-size: 12px;
      padding: 6px 10px;
      border-radius: 999px;
      border: 1px solid rgba(255,255,255,.14);
      background: rgba(255,255,255,.06);
      color: rgba(234,246,255,.86);
    }
    .product h4{ margin: 2px 0 0; font-size: 16px; }
    .product p{ margin: 0; font-size: 14px; color: var(--muted); }
    .product ul{
      margin: 0;
      padding-left: 18px;
      color: rgba(234,246,255,.82);
      font-size: 13px;
    }
    .product li{ margin: 6px 0; }

    .product .row{
      display:flex;
      align-items:center;
      justify-content: space-between;
      gap: 10px;
      margin-top: auto;
      padding-top: 8px;
      border-top: 1px solid rgba(255,255,255,.08);
      color: rgba(234,246,255,.78);
      font-size: 12px;
    }

    /* Process */
    .steps{
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap: 14px;
      align-items: start;
    }
    .step-list{
      padding: 16px;
    }
    .step{
      display:flex;
      gap: 12px;
      padding: 12px 0;
    }
    .step + .step{ border-top: 1px solid rgba(255,255,255,.08); }
    .step .n{
      width: 28px; height: 28px;
      border-radius: 10px;
      background: rgba(30,136,255,.18);
      border: 1px solid rgba(30,136,255,.40);
      display:grid;
      place-items:center;
      font-weight: 800;
      font-size: 13px;
      flex: 0 0 auto;
    }
    .step h5{ margin: 0 0 4px; font-size: 14px; }
    .step p{ margin: 0; color: var(--muted); font-size: 13px; }

    /* Form */
    .form-card{
      padding: 16px;
    }
    form{
      display:grid;
      gap: 10px;
      margin-top: 10px;
    }
    label{
      font-size: 12px;
      color: rgba(234,246,255,.74);
    }
    input, select, textarea{
      width: 100%;
      padding: 11px 12px;
      border-radius: 12px;
      border: 1px solid rgba(255,255,255,.14);
      background: rgba(0,0,0,.18);
      color: var(--text);
      outline: none;
    }
    input:focus, select:focus, textarea:focus{
      border-color: rgba(30,136,255,.70);
      box-shadow: 0 0 0 3px rgba(30,136,255,.16);
    }
    textarea{ min-height: 92px; resize: vertical; }
    .form-row{
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap: 10px;
    }
    .fineprint{
      font-size: 12px;
      color: rgba(234,246,255,.68);
      margin: 4px 0 0;
    }

    /* FAQ */
    details{
      padding: 14px 14px;
      border-radius: 14px;
      border: 1px solid rgba(255,255,255,.12);
      background: rgba(255,255,255,.05);
    }
    details + details{ margin-top: 10px; }
    summary{
      cursor:pointer;
      font-weight: 700;
      font-size: 14px;
    }
    details p{
      margin: 10px 0 0;
      color: var(--muted);
      font-size: 14px;
    }

    /* Footer */
    footer{
      padding: 34px 0 46px;
      border-top: 1px solid rgba(255,255,255,.08);
      background: rgba(0,0,0,.12);
    }
    .footer-grid{
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap: 16px;
      align-items: start;
    }
    .footer-grid p{ margin: 10px 0 0; color: var(--muted); }
    .footer-links{
      display:grid;
      grid-template-columns: 1fr 1fr;
      gap: 10px;
    }
    .footer-links a{
      color: rgba(234,246,255,.75);
      padding: 8px 10px;
      border-radius: 12px;
      background: rgba(255,255,255,.04);
      border: 1px solid rgba(255,255,255,.10);
    }
    .footer-links a:hover{ background: rgba(255,255,255,.07); color: var(--text); }
    .legal{
      margin-top: 18px;
      color: rgba(234,246,255,.55);
      font-size: 12px;
    }

    /* Mobile */
    .menu-btn{ display:none; }
    @media (max-width: 900px){
      .hero-grid{ grid-template-columns: 1fr; }
      .steps{ grid-template-columns: 1fr; }
      .grid-3{ grid-template-columns: 1fr; }
      .footer-grid{ grid-template-columns: 1fr; }

      nav ul{ display:none; }
      .menu-btn{ display:inline-flex; }
    }

    /* Accessible reduced motion */
    @media (prefers-reduced-motion: reduce){
      *{ scroll-behavior: auto !important; transition: none !important; animation: none !important; }
    }