:root{--navy:#0b2545;--navy-2:#13315c;--blue:#1d6ef2;--blue-d:#1556c4;--sky:#eef4fb;--ink:#1c2430;--muted:#5b6778;--line:#dfe6ef;--white:#fff;--gold:#e0a526;--r:14px;--sh:0 12px 34px rgba(11,37,69,.10);--sh-s:0 4px 14px rgba(11,37,69,.08);--h:'Poppins',system-ui,sans-serif;--b:'Source Sans 3',system-ui,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--b);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--blue-d)}
h1,h2,h3{font-family:var(--h);line-height:1.2;color:var(--navy);margin:0 0 .6em}
.container{width:min(1180px,100% - 40px);margin-inline:auto}
.visually-hidden,.hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;z-index:100;border-radius:6px}.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(11,37,69,.97);transition:background .3s,box-shadow .3s}
.is-home .site-header{position:fixed;inset:0 0 auto;background:transparent}
.site-header.scrolled{background:rgba(11,37,69,.97)!important;box-shadow:0 6px 24px rgba(0,0,0,.18);backdrop-filter:blur(8px)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-family:var(--h);font-weight:600;font-size:20px;letter-spacing:.06em;text-transform:uppercase}
.brand img{width:44px;height:44px;background:#fff;border-radius:50%;padding:3px}
.brand:hover{color:#fff}
.primary-nav>ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}
.primary-nav a{display:block;color:#fff;text-decoration:none;font-family:var(--h);font-size:14px;font-weight:500;letter-spacing:.05em;text-transform:uppercase;padding:10px 14px;border-radius:8px;position:relative}
.primary-nav>ul>li>a::after{content:"";position:absolute;left:14px;right:14px;bottom:4px;height:2px;background:var(--gold);transform:scaleX(0);transition:transform .25s}
.primary-nav>ul>li>a:hover::after,.primary-nav a[aria-current=page]::after,.has-sub.is-active>a::after{transform:scaleX(1)}
.primary-nav .nav-cta{background:var(--blue);margin-left:6px}.primary-nav .nav-cta:hover{background:var(--blue-d)}.primary-nav .nav-cta::after{display:none}
.has-sub{position:relative;display:flex;align-items:center}
.has-sub>a{padding-right:4px}
.sub-toggle{background:none;border:0;color:#fff;cursor:pointer;width:22px;height:30px;padding:0}
.sub-toggle::before{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px)}
.sub{position:absolute;top:100%;left:0;min-width:240px;list-style:none;margin:0;padding:10px;background:#fff;border-radius:12px;box-shadow:var(--sh);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{opacity:1;visibility:visible;transform:none}
.sub a{color:var(--ink);text-transform:none;letter-spacing:0;font-size:15px;padding:9px 12px}
.sub a:hover,.sub a[aria-current=page]{background:var(--sky);color:var(--blue)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;padding:10px}
.nav-toggle span{display:block;height:2px;background:#fff;margin:5px 0;transition:.25s}
.nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
/* hero */
.hero{min-height:min(100svh,900px);display:grid;place-items:center;text-align:center;color:#fff;background:linear-gradient(180deg,rgba(8,24,48,.72),rgba(11,37,69,.78)),var(--hero) center/cover no-repeat;padding:120px 0 80px}
.hero h1{color:#fff;font-size:clamp(44px,8vw,92px);font-weight:600;letter-spacing:-.01em;margin-bottom:.25em}
.hero .lead{font-size:clamp(18px,2.2vw,24px);opacity:.92;margin:0 0 36px;font-family:var(--h);font-weight:400}
.eyebrow{display:inline-block;font-family:var(--h);font-size:13px;letter-spacing:.18em;text-transform:uppercase;border:1px solid rgba(255,255,255,.35);padding:6px 16px;border-radius:99px;margin:0 0 22px}
.btn-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;font-family:var(--h);font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase;padding:15px 28px;border-radius:10px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .2s,background .2s,box-shadow .2s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(29,110,242,.35)}.btn-primary:hover{background:var(--blue-d);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.7);color:#fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-outline{border-color:var(--blue);color:var(--blue)}
/* sections */
.section{padding:clamp(56px,8vw,100px) 0}
.section-title{text-align:center;font-size:clamp(26px,3.4vw,36px);margin-bottom:40px}
.loans{background:var(--sky)}
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.loan-card{background:#fff;border-radius:var(--r);padding:36px 26px;text-align:center;box-shadow:var(--sh-s);border:1px solid var(--line);transition:transform .3s,box-shadow .3s}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--sh)}
.loan-icon{width:92px;height:92px;margin:0 auto 22px;border-radius:50%;background:var(--sky);display:grid;place-items:center}
.loan-icon img{width:52px;height:52px;object-fit:contain}
.loan-card h3{font-size:19px;text-transform:uppercase;letter-spacing:.04em;margin-bottom:8px}
.loan-card p{margin:0;color:var(--muted)}
.about-band{background:var(--sky);padding-top:0}
.about-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center}
.about-card{background:#fff;padding:clamp(32px,5vw,64px);border-radius:var(--r);box-shadow:var(--sh);position:relative;z-index:2;margin-right:-60px}
.about-card h2{font-size:clamp(30px,4vw,44px)}
.kicker{font-family:var(--h);font-weight:600;color:var(--blue);text-transform:uppercase;letter-spacing:.12em;font-size:13px;margin:0 0 10px}
.text-link{font-family:var(--h);font-weight:600;text-decoration:none}
.about-media{margin:0;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.about-media img{width:100%;aspect-ratio:16/10;object-fit:cover}
.grievance{background:#f4f8fc;padding:76px 0}
.grievance-plain{max-width:1040px;margin:0 auto;text-align:center;font-family:var(--h);font-size:15px;line-height:1.55;color:var(--navy);-webkit-user-select:none;user-select:none}
.grievance-plain p{margin:0 0 16px}
.grievance-plain p:last-child{margin-bottom:0}
/* inner pages */
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:56px 0 50px}
.page-hero h1{color:#fff;font-size:clamp(30px,4.5vw,48px);margin:0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 12px;font-size:14px}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:#cfe0ff;text-decoration:none}.crumbs span{opacity:.85}
.with-aside{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:48px;align-items:start}
.prose{max-width:860px}
.prose p{margin:0 0 1.05em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}.prose li{margin-bottom:.4em}
.prose strong{color:var(--navy)}
.table-wrap{overflow-x:auto;margin:0 0 1.5em;border:1px solid var(--line);border-radius:10px}
.prose table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
.prose td,.prose th{border:1px solid var(--line);padding:10px 12px;vertical-align:top;text-align:left}
.prose tr:first-child td,.prose th{background:var(--sky);font-weight:600}
.aside{position:sticky;top:100px;background:var(--sky);border-radius:var(--r);padding:22px}
.aside h2{font-size:16px;text-transform:uppercase;letter-spacing:.08em}
.aside ul{list-style:none;margin:0;padding:0}
.aside a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none;color:var(--ink)}
.aside a:hover,.aside a[aria-current=page]{background:#fff;color:var(--blue);font-weight:600}
.policy-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;margin-top:28px}
.policy-card{position:relative;display:flex;flex-direction:column;gap:6px;padding:24px 24px 44px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;transition:.25s}
.policy-card span{font-family:var(--h);font-weight:600;color:var(--navy);font-size:18px}
.policy-card small{color:var(--muted);font-size:14px;line-height:1.5}
.policy-card b{position:absolute;right:22px;bottom:14px;color:var(--blue);transition:transform .25s}
.policy-card:hover{border-color:var(--blue);box-shadow:var(--sh);transform:translateY(-3px)}.policy-card:hover b{transform:translateX(4px)}
.contact-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:start}
.form-card,.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:clamp(24px,4vw,40px);box-shadow:var(--sh-s)}
.contact-card{background:var(--navy);color:#fff;border:0}.contact-card h2{color:#fff}.contact-card a{color:#cfe0ff}
form label{display:block;font-weight:600;font-size:15px;margin-bottom:16px;color:var(--navy)}
form input,form textarea{display:block;width:100%;margin-top:6px;font:inherit;font-weight:400;padding:12px 14px;border:1px solid #c9d4e2;border-radius:10px;background:#fbfdff;transition:border .2s,box-shadow .2s}
form input:focus,form textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(29,110,242,.15)}
.alert{padding:14px 16px;border-radius:10px;margin-bottom:18px;font-weight:600}.alert.ok{background:#e7f7ee;color:#11633a}.alert.err{background:#fdecec;color:#9b1c1c}
/* footer */
.site-footer{background:var(--navy);color:#d5deea;padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;padding-bottom:40px}
.footer-title{color:#fff;font-size:16px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:18px}
.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--gold)}
.check-list{list-style:none;margin:0;padding:0}.check-list.two-col{columns:2;column-gap:30px}
.check-list li{margin-bottom:10px;break-inside:avoid}.check-list li::before{content:"✓";color:var(--gold);margin-right:10px;font-weight:700}
address{font-style:normal;line-height:1.9}
.footer-menu{border-top:1px solid rgba(255,255,255,.12);padding:22px 0 26px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;align-items:center}
.footer-menu ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px 20px;margin:0;padding:0;font-size:14px}
.copy{margin:0;font-size:14px;opacity:.75}
.to-top{position:fixed;right:20px;bottom:20px;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;text-decoration:none;box-shadow:var(--sh);opacity:0;pointer-events:none;transition:.3s;z-index:40}
.to-top.show{opacity:1;pointer-events:auto}.to-top:hover{color:#fff;background:var(--blue-d)}
/* animation */
@keyframes up{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
.fade-up{animation:up .8s cubic-bezier(.2,.7,.2,1) both}.d1{animation-delay:.12s}.d2{animation-delay:.24s}.d3{animation-delay:.36s}
.js .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease var(--d,0ms),transform .7s cubic-bezier(.2,.7,.2,1) var(--d,0ms)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.js .reveal{opacity:1;transform:none}html{scroll-behavior:auto}}
/* responsive */
@media (max-width:1024px){.loan-grid{grid-template-columns:repeat(2,1fr)}.with-aside{grid-template-columns:1fr}.aside{position:static}}
@media (max-width:900px){
 .nav-toggle{display:block}
 .primary-nav{position:fixed;inset:76px 0 auto;background:var(--navy);max-height:calc(100vh - 76px);overflow:auto;padding:12px 20px 24px;transform:translateY(-12px);opacity:0;visibility:hidden;transition:.25s}
 .primary-nav.open{opacity:1;visibility:visible;transform:none}
 .is-home .site-header.menu-open{background:var(--navy)}
 .primary-nav>ul{flex-direction:column;align-items:stretch;gap:2px}
 .primary-nav>ul>li>a::after{display:none}
 .has-sub{flex-wrap:wrap}.has-sub>a{flex:1}.sub-toggle{width:44px;height:44px}
 .sub{position:static;opacity:1;visibility:visible;transform:none;display:none;background:rgba(255,255,255,.06);box-shadow:none;width:100%;min-width:0}
 .has-sub.open .sub{display:block}.sub a{color:#fff}.sub a:hover,.sub a[aria-current=page]{background:rgba(255,255,255,.1);color:#fff}
 .primary-nav .nav-cta{margin:8px 0 0;text-align:center}
 .about-grid,.contact-grid,.footer-grid{grid-template-columns:1fr}.about-card{margin:0 0 -40px;margin-right:0}.about-media{margin-inline:16px}
 .brand span{font-size:16px}
}
@media (max-width:560px){.loan-grid{grid-template-columns:1fr}.grievance{padding:56px 0}.grievance-plain{font-size:13px;line-height:1.5}.check-list.two-col{columns:1}.btn{width:100%}body{font-size:16px}}