:root{
  --green:#0E5C42;
  --green-d:#0A4732;
  --gold:#C9963C;
  --gold-l:#E5B662;
  --ink:#14181B;
  --paper:#F2F0EB;
  --white:#FFFFFF;
  --muted:rgba(20,24,27,.62);
  --rule:rgba(20,24,27,.12);
  --maxw:1200px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:'Inter',system-ui,sans-serif;
  background:var(--white);color:var(--ink);
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
.serif{font-family:'Newsreader',Georgia,serif;}

h1,h2,h3{font-family:'Newsreader',Georgia,serif;font-weight:500;letter-spacing:-.025em;line-height:1.04;}
h1{font-size:60px;}
h2{font-size:46px;}
h3{font-size:19px;font-family:'Inter',sans-serif;font-weight:600;letter-spacing:-.01em;line-height:1.3;}
p{font-size:16px;line-height:1.62;color:var(--muted);font-weight:400;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  height:58px;padding:0 30px;border-radius:8px;
  font-family:'Inter',sans-serif;font-size:12.5px;font-weight:600;
  letter-spacing:.09em;text-transform:uppercase;text-decoration:none;
  transition:opacity .18s ease, background .18s ease;white-space:nowrap;
}
.btn:hover{opacity:.8;}
.btn-primary{background:var(--green);color:var(--white);}
.btn-gold{background:var(--gold);color:var(--ink);}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid rgba(20,24,27,.24);}
.btn-light{background:var(--white);color:var(--green);}
.btn-sm{height:44px;padding:0 22px;font-size:11.5px;border-radius:7px;}
.arw{font-size:15px;line-height:1;transform:translateY(-.5px);}

/* ---------- logo ---------- */
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;}
.logo .wm{
  font-family:'Newsreader',serif;font-weight:500;font-size:17px;line-height:.99;
  letter-spacing:-.02em;color:var(--ink);white-space:nowrap;
}
.logo .wm .thin{font-weight:300;}

/* ---------- navbar ---------- */
.nav{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);
}
.nav .inner{display:flex;align-items:center;justify-content:space-between;height:82px;}
.nav ul{display:flex;align-items:center;gap:34px;list-style:none;}
.nav a.link{
  font-size:14px;font-weight:500;color:var(--ink);text-decoration:none;
  letter-spacing:-.005em;display:inline-flex;align-items:center;gap:5px;
}
.nav a.link.active{color:var(--green);font-weight:600;position:relative;}
.nav a.link.active:after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--green);}
.nav .caret{font-size:9px;opacity:.5;}
.navtoggle{display:none;}

/* ---------- hero ---------- */
.hero{padding:74px 0 78px;background:var(--paper);}
.hero .grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
.hero .eyebrow{
  font-size:14.5px;font-weight:600;color:var(--green);margin:22px 0 14px;letter-spacing:-.005em;
}
.hero p.sub{font-size:17px;max-width:430px;}
.hero .cta{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.trusted{margin-top:44px;}
.trusted .lab{font-size:12.5px;font-weight:600;color:rgba(20,24,27,.45);letter-spacing:.04em;margin-bottom:16px;}
.trusted .row{display:flex;align-items:center;gap:28px;flex-wrap:wrap;}
.trusted .row{gap:8px;}
.tb{
  display:inline-flex;align-items:center;gap:7px;
  border:1px solid rgba(20,24,27,.14);border-radius:999px;
  padding:8px 13px 8px 10px;background:rgba(255,255,255,.7);
  font-size:12px;font-weight:500;color:rgba(20,24,27,.72);white-space:nowrap;
}
.tb svg{flex:none;}

/* hero bento */
.bento{display:grid;grid-template-columns:1.55fr 1fr;grid-template-rows:auto auto;gap:16px;position:relative;}
.ph{
  border-radius:14px;background:
    linear-gradient(135deg,rgba(14,92,66,.10),rgba(201,150,60,.14)),
    repeating-linear-gradient(45deg,rgba(20,24,27,.035) 0 12px,transparent 12px 24px);
  border:1px solid rgba(20,24,27,.10);
  display:flex;align-items:center;justify-content:center;text-align:center;padding:20px;
}
.ph span{font-size:11.5px;font-weight:500;color:rgba(20,24,27,.42);letter-spacing:.02em;line-height:1.5;}
.bento .img-main{
  grid-row:1 / span 2;min-height:470px;border-radius:14px;overflow:hidden;
  border:1px solid rgba(20,24,27,.10);
}
.bento .img-main img{width:100%;height:100%;object-fit:cover;display:block;}
.bento .stat{
  background:var(--ink);color:var(--white);border-radius:12px;padding:17px 20px;
  display:flex;align-items:center;gap:14px;
}
.bento .stat .lab{font-size:11.5px;color:rgba(255,255,255,.62);font-weight:500;letter-spacing:.02em;}
.bento .stat .num{font-family:'Newsreader',serif;font-size:23px;font-weight:600;letter-spacing:-.02em;white-space:nowrap;}
.bento .brandcard{
  background:var(--green);border-radius:14px;padding:24px;min-height:250px;
  display:flex;flex-direction:column;justify-content:space-between;
}
.bento .brandcard .t{
  font-family:'Newsreader',serif;font-size:27px;font-weight:500;color:var(--white);
  letter-spacing:-.02em;line-height:1.12;
}

/* ---------- why choose us (full-bleed green band) ---------- */
.why{background:var(--green);color:var(--white);padding:64px 0;}
.why .wrap{max-width:1320px;}
.why .grid{display:grid;grid-template-columns:292px 1fr;gap:44px;align-items:start;}
.why h2{color:var(--white);}
.why p.intro{color:rgba(255,255,255,.76);margin-top:20px;font-size:15.5px;max-width:320px;}
.why .cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.why .card{
  background:rgba(255,255,255,.075);border:1px solid rgba(255,255,255,.16);
  border-radius:14px;padding:20px;
}
  .why .ic{
  width:48px;height:48px;border-radius:11px;background:var(--white);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.why .card h3{color:var(--white);margin-bottom:9px;font-size:17px;}
.why .card p{color:rgba(255,255,255,.72);font-size:13px;line-height:1.56;}

/* ---------- types of loans ---------- */
.loans{padding:86px 0;background:var(--white);}
.loans .head{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;margin-bottom:44px;}
.loans .head p{font-size:16px;}
.loans .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.lcard{
  border:1px solid var(--rule);border-radius:16px;padding:26px;background:var(--white);
  display:flex;flex-direction:column;transition:box-shadow .2s ease,transform .2s ease;
}
.lcard:hover{box-shadow:0 10px 34px rgba(20,24,27,.09);transform:translateY(-2px);}
.lcard .ic{
  width:64px;height:64px;border-radius:13px;background:rgba(14,92,66,.07);
  display:flex;align-items:center;justify-content:center;margin-bottom:22px;
}
.lcard h3{margin-bottom:10px;}
.lcard p{font-size:14px;line-height:1.6;flex:1;}
.lcard a{
  margin-top:20px;font-size:13.5px;font-weight:600;color:var(--green);text-decoration:none;
  display:inline-flex;align-items:center;gap:7px;
}
.lcard a:hover{color:var(--gold);}

/* ---------- growth CTA ---------- */
.growth{padding:80px 0;background:var(--paper);}
.growth .grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
.growth p{margin-top:20px;font-size:16.5px;max-width:470px;}
.growth .btn{margin-top:30px;}

/* ---------- process ---------- */
.process{padding:86px 0 90px;text-align:center;background:var(--white);}
.process .steps{
  display:grid;grid-template-columns:repeat(3,1fr);gap:34px;
  margin-top:52px;position:relative;
}
.process .steps:before{
  content:"";position:absolute;left:16%;right:16%;top:73px;height:2px;
  background:linear-gradient(90deg,var(--green),var(--gold));opacity:.35;
}
.step{position:relative;}
.step .n{
  font-family:'Newsreader',serif;font-size:19px;font-weight:600;color:var(--green);
  letter-spacing:-.01em;margin-bottom:16px;
}
.step .dot{
  width:66px;height:66px;border-radius:50%;background:var(--green);
  display:flex;align-items:center;justify-content:center;margin:0 auto 22px;
  position:relative;z-index:2;border:5px solid var(--white);
}
.step h3{margin-bottom:9px;font-size:18px;}
.step p{font-size:14px;max-width:290px;margin:0 auto;line-height:1.6;}
.process .btn{margin-top:46px;}

/* ---------- testimonials ---------- */
.testi{padding:80px 0 90px;background:var(--paper);}
.testi .head{text-align:center;max-width:660px;margin:0 auto 48px;}
.testi .head p{margin-top:18px;}
.tgrid{display:grid;grid-template-columns:336px 1fr 336px;gap:22px;align-items:start;}
.tile{background:var(--white);border:1px solid var(--rule);border-radius:16px;}
.tile.trust{padding:26px;margin-bottom:22px;}
.avcluster{display:grid;grid-template-columns:1fr 1fr;gap:12px;width:176px;margin-bottom:24px;}
.av{width:82px;height:82px;border-radius:50%;display:block;}
.tile.trust h3{font-size:21px;font-family:'Newsreader',serif;font-weight:500;letter-spacing:-.02em;}
.tile.trust p{font-size:14px;margin-top:5px;}
.tile.tags{padding:26px;display:flex;flex-direction:column;gap:12px;}
.pill{
  display:inline-flex;align-items:center;gap:9px;align-self:flex-start;
  border:1px solid var(--rule);border-radius:999px;padding:9px 16px;
  font-size:13.5px;font-weight:500;background:var(--white);
}
.pill.on{background:var(--green);color:var(--white);border-color:var(--green);}
.pill .p{opacity:.45;font-size:15px;}
.pill.on .p{opacity:.8;}
.tags .r2{margin-left:34px;}
.tags .r3{margin-left:10px;}
.bigcard{
  border-radius:16px;min-height:658px;position:relative;overflow:hidden;
  background-image:linear-gradient(to top,rgba(8,60,42,.92) 0%,rgba(8,60,42,.55) 14%,rgba(8,60,42,0) 32%),url('assets/illus-feature.svg');
  background-size:cover,cover;background-position:center,center;
  display:flex;align-items:flex-end;padding:26px;
}
.bigcard .logo .wm{color:var(--paper);}
.quotes{display:flex;flex-direction:column;gap:22px;}
.quote{padding:22px;}
.quote .who{font-size:15px;font-weight:600;margin-bottom:8px;letter-spacing:-.01em;}
.quote p{font-size:13.5px;line-height:1.58;}
.stars{display:flex;gap:3px;margin-top:13px;}
.arrows{display:flex;gap:9px;justify-content:flex-end;margin-top:4px;}
.arrows i{
  width:38px;height:38px;border-radius:50%;background:var(--green);color:var(--white);
  display:flex;align-items:center;justify-content:center;font-style:normal;font-size:14px;
}

/* ---------- footer ---------- */
footer{background:var(--ink);color:rgba(242,240,235,.72);padding:64px 0 30px;}
footer .grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:44px;}
footer .logo .wm{color:var(--paper);}
footer .tag{font-size:13.5px;margin-top:18px;color:rgba(242,240,235,.6);line-height:1.6;max-width:250px;}
footer h4{font-size:13px;font-weight:600;color:var(--paper);margin-bottom:18px;letter-spacing:.03em;}
footer ul{list-style:none;display:flex;flex-direction:column;gap:11px;}
footer a{color:rgba(242,240,235,.66);text-decoration:none;font-size:13.5px;}
footer a:hover{color:var(--gold);}
.news{display:flex;gap:9px;margin-top:20px;max-width:270px;}
.news input{
  flex:1;height:44px;border-radius:7px;border:1px solid rgba(242,240,235,.2);
  background:rgba(242,240,235,.06);padding:0 14px;color:var(--paper);font-size:13.5px;
  font-family:'Inter',sans-serif;
}
.news input::placeholder{color:rgba(242,240,235,.42);}
.socials{display:flex;gap:11px;margin-top:24px;}
.socials i{
  width:36px;height:36px;border-radius:50%;border:1px solid rgba(242,240,235,.22);
  display:flex;align-items:center;justify-content:center;font-style:normal;font-size:13px;
  color:rgba(242,240,235,.72);
}
.disclosure{
  border-top:1px solid rgba(242,240,235,.14);margin-top:44px;padding-top:26px;
  font-size:11.5px;line-height:1.68;color:rgba(242,240,235,.5);
}
.disclosure strong{color:rgba(242,240,235,.8);font-weight:600;}
.copy{text-align:center;font-size:11.5px;color:rgba(242,240,235,.42);margin-top:22px;}

/* ---------- responsive ---------- */
@media (max-width:1100px){
  h1{font-size:48px;} h2{font-size:38px;}
  .hero .grid,.loans .head,.growth .grid{grid-template-columns:1fr;gap:40px;}
  .why .grid{grid-template-columns:1fr;gap:32px;}
  .why .cards{grid-template-columns:1fr 1fr;}
  .why p.intro{max-width:none;}
  .loans .cards{grid-template-columns:1fr 1fr;}
  .tgrid{grid-template-columns:1fr 1fr;}
  .bigcard{min-height:420px;grid-column:1 / -1;order:-1;}
  footer .grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:720px){
  h1{font-size:38px;} h2{font-size:31px;}
  .nav ul{display:none;}
  .navtoggle{display:flex;}
  .hero{padding:48px 0 56px;}
  .bento{grid-template-columns:1fr;}
  .bento .img-main{grid-row:auto;min-height:260px;}
  .why .cards,.loans .cards,.tgrid,footer .grid{grid-template-columns:1fr;}
  .process .steps{grid-template-columns:1fr;gap:40px;}
  .process .steps:before{display:none;}
  .loans,.process,.testi{padding:56px 0;}
  .bigcard{min-height:300px;}
}


/* ============ SUB-PAGE TEMPLATES ============ */
.crumb{font-size:13px;color:rgba(20,24,27,.5);padding:26px 0 0;}
.crumb a{color:rgba(20,24,27,.5);text-decoration:none;}
.crumb a:hover{color:var(--green);}

.phero{background:var(--paper);padding:34px 0 70px;}
.phero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center;}
.phero h1{font-size:52px;}
.phero p.lead{font-size:17.5px;margin-top:22px;max-width:520px;}
.phero .cta{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap;}

.factcard{background:var(--white);border:1px solid var(--rule);border-radius:18px;padding:28px;}
.factcard h4{font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--green);margin-bottom:20px;}
.factrow{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-bottom:1px solid var(--rule);}
.factrow:last-child{border-bottom:0;}
.factrow .k{font-size:14.5px;color:var(--muted);}
.factrow .v{font-size:14.5px;font-weight:600;text-align:right;}

.band{padding:74px 0;}
.band.alt{background:var(--paper);}
.band h2{margin-bottom:14px;}
.band .sub{max-width:620px;margin-bottom:38px;}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:48px;}
.box{border:1px solid var(--rule);border-radius:16px;padding:26px;background:var(--white);}
.box h3{margin-bottom:14px;}
.box ul{list-style:none;display:flex;flex-direction:column;gap:11px;}
.box li{font-size:14.5px;line-height:1.55;color:var(--muted);display:flex;gap:10px;align-items:flex-start;}
.box li:before{content:"";flex:none;width:7px;height:7px;border-radius:50%;background:var(--gold);margin-top:7px;}
.box.neg li:before{background:rgba(20,24,27,.22);}

table.terms{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--rule);border-radius:16px;overflow:hidden;}
table.terms th,table.terms td{text-align:left;padding:16px 22px;font-size:14.5px;border-bottom:1px solid var(--rule);}
table.terms th{background:var(--paper);font-weight:600;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);}
table.terms tr:last-child td{border-bottom:0;}
table.terms td:first-child{font-weight:600;width:34%;}
table.terms td:last-child{color:var(--muted);}

.faq{display:flex;flex-direction:column;gap:14px;max-width:820px;}
.faq details{border:1px solid var(--rule);border-radius:14px;background:var(--white);padding:20px 24px;}
.faq summary{font-size:16.5px;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary:after{content:"+";color:var(--green);font-size:22px;font-weight:400;}
.faq details[open] summary:after{content:"\2013";}
.faq p{margin-top:14px;font-size:15px;}

.ctaband{background:var(--green);color:var(--white);padding:66px 0;text-align:center;}
.ctaband h2{color:var(--white);}
.ctaband p{color:rgba(255,255,255,.76);max-width:560px;margin:18px auto 30px;}

/* content / legal template */
.chero{background:var(--paper);padding:34px 0 54px;}
.chero h1{font-size:48px;}
.chero .meta{font-size:13.5px;color:var(--muted);margin-top:16px;}
.cwrap{display:grid;grid-template-columns:250px 1fr;gap:64px;padding:64px 0 80px;align-items:start;}
.toc{position:sticky;top:110px;}
.toc h4{font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:16px;}
.toc ul{list-style:none;display:flex;flex-direction:column;gap:10px;}
.toc a{font-size:14px;color:var(--muted);text-decoration:none;line-height:1.4;}
.toc a:hover{color:var(--green);}
.prose{max-width:760px;}
.prose h2{font-size:29px;margin:44px 0 14px;}
.prose h2:first-child{margin-top:0;}
.prose h3{font-size:17px;margin:26px 0 10px;}
.prose p{font-size:15.5px;margin-bottom:14px;}
.prose ul{margin:0 0 16px 0;list-style:none;display:flex;flex-direction:column;gap:9px;}
.prose li{font-size:15.5px;color:var(--muted);line-height:1.6;display:flex;gap:11px;}
.prose li:before{content:"";flex:none;width:6px;height:6px;border-radius:50%;background:var(--gold);margin-top:9px;}
.draft{background:#FDF6E6;border:1px solid rgba(201,150,60,.5);border-radius:12px;padding:18px 22px;margin-bottom:34px;}
.draft p{font-size:14px;color:#7A5A16;margin:0;}

/* apply */
.apply{padding:50px 0 80px;background:var(--paper);min-height:70vh;}
.apply .grid{display:grid;grid-template-columns:1fr 1.05fr;gap:64px;align-items:start;}
.formcard{background:var(--white);border:1px solid var(--rule);border-radius:20px;padding:32px;}
.formslot{
  border:2px dashed rgba(14,92,66,.35);border-radius:14px;min-height:430px;
  display:flex;align-items:center;justify-content:center;text-align:center;padding:28px;
  background:rgba(14,92,66,.03);
}
.formslot span{font-size:13.5px;color:var(--green);font-weight:500;line-height:1.6;}
.consent{margin-top:22px;font-size:11.5px;line-height:1.65;color:var(--muted);}
.steplist{display:flex;flex-direction:column;gap:22px;margin-top:30px;}
.steplist .it{display:flex;gap:16px;}
.steplist .num{
  flex:none;width:34px;height:34px;border-radius:50%;background:var(--green);color:var(--white);
  display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:600;
}
.steplist h3{font-size:16px;margin-bottom:5px;}
.steplist p{font-size:14px;}

@media (max-width:1100px){
  .phero .grid,.cols2,.apply .grid{grid-template-columns:1fr;gap:36px;}
  .cwrap{grid-template-columns:1fr;gap:34px;}
  .toc{position:static;}
}
@media (max-width:720px){
  .phero h1{font-size:36px;} .chero h1{font-size:33px;}
  .cols3{grid-template-columns:1fr;}
  .band{padding:52px 0;}
  table.terms th,table.terms td{padding:12px 14px;font-size:13.5px;}
}