:root {
  --navy: #0c1f33;
  --navy-mid: #16324d;
  --ink: #1a2330;
  --muted: #5b6775;
  --line: #d8dfE6;
  --paper: #f6f3ee;
  --white: #fffcf8;
  --gold: #b8862a;
  --gold-soft: #e8d5a8;
  --green: #2d6a4f;
  --red-soft: #8b3a3a;
  --on-navy: #d7e0ea;
  --footer-text: #c9d5e0;
  --footer-link: #d7e3ee;
  --footer-mute: #9aadb8;
  --shadow: 0 18px 40px rgba(12, 31, 51, 0.08);
  --radius: 14px;
  --max: 1120px;
}

html[data-brand="lender"] {
  --navy: #6b2b22;
  --navy-mid: #8a3a2e;
  --ink: #2a1613;
  --muted: #6d534d;
  --line: #e4d4ce;
  --paper: #f7f0ec;
  --white: #fffaf7;
  --gold: #c4a36a;
  --gold-soft: #ead9b8;
  --on-navy: #f0ddd6;
  --footer-text: #edd9d3;
  --footer-link: #f3e6e1;
  --footer-mute: #c4a8a1;
  --shadow: 0 18px 40px rgba(107, 43, 34, 0.10);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: "Source Sans 3", "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 18px;
}

img { max-width: 100%; display: block; }
a { color: var(--navy-mid); }
a:hover { color: var(--gold); }

.wrap {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

/* Header */
.topbar {
  background: var(--navy);
  color: var(--on-navy);
  font-size: 13px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.topbar .wrap {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 8px 0;
  flex-wrap: wrap;
}
.topbar strong { color: var(--gold-soft); font-weight: 600; }

header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 40;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 16px 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.logo-mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--gold-soft);
  display: grid;
  place-items: center;
  font-family: "Source Serif 4", Georgia, serif;
  font-weight: 700;
  font-size: 18px;
}
.brand-text { line-height: 1.15; }
.brand-text b {
  display: block;
  font-size: 16px;
  letter-spacing: 0.01em;
}
.brand-text span {
  font-size: 12px;
  color: var(--muted);
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
nav ul {
  list-style: none;
  display: flex;
  gap: 22px;
  align-items: center;
}
nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 15px;
}
nav a.active, nav a:hover { color: var(--gold); }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--navy);
  color: #fff !important;
  text-decoration: none;
  padding: 11px 18px;
  border-radius: 999px;
  font-weight: 650;
  font-size: 15px;
  border: 0;
  cursor: pointer;
}
.btn:hover { background: var(--navy-mid); }
.btn.gold { background: var(--gold); color: #fff !important; }
.btn.ghost {
  background: transparent;
  color: var(--navy) !important;
  border: 1px solid var(--line);
}
.menu-toggle {
  display: none;
  background: none;
  border: 0;
  font-size: 26px;
  color: var(--navy);
}

/* Hero */
.hero {
  background:
    radial-gradient(1200px 420px at 85% -10%, rgba(184, 134, 42, 0.18), transparent 55%),
    linear-gradient(180deg, #f4eee4 0%, var(--white) 100%);
  padding: 64px 0 36px;
  border-bottom: 1px solid var(--line);
}
.kicker {
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 13px;
  margin-bottom: 12px;
}
h1, h2, h3 {
  font-family: "Source Serif 4", Georgia, serif;
  line-height: 1.18;
  color: var(--navy);
}
h1 { font-size: clamp(34px, 5vw, 56px); max-width: 16ch; margin-bottom: 16px; }
.lede {
  font-size: 20px;
  color: var(--muted);
  max-width: 62ch;
  margin-bottom: 28px;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.status-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 44px;
}
.status-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
  box-shadow: var(--shadow);
}
.status-card span {
  display: block;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 700;
}
.status-card b { font-size: 18px; color: var(--navy); }

/* Layout blocks */
section { padding: 72px 0; }
.section-head {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 20px;
  margin-bottom: 28px;
}
.section-head p { color: var(--muted); max-width: 48ch; }
h2 { font-size: clamp(28px, 3vw, 38px); margin-bottom: 10px; }
h3 { font-size: 24px; margin-bottom: 10px; }

.grid-2 {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
}
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}
.card.soft { background: var(--paper); }
.news-card time, .meta {
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.news-card h3 { font-size: 22px; margin: 8px 0 10px; }
.news-card a { text-decoration: none; color: inherit; }
.news-card a:hover h3 { color: var(--gold); }

.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.compare .card h3 { color: var(--navy); }
.pill {
  display: inline-block;
  background: var(--gold-soft);
  color: #5b430f;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 8px;
  border-radius: 999px;
  margin-bottom: 10px;
}

.alert {
  background: #fff7e6;
  border: 1px solid #efd59a;
  color: #5c430f;
  padding: 16px 18px;
  border-radius: 12px;
  font-size: 16px;
}
.alert.red {
  background: #f8ecec;
  border-color: #e3c4c4;
  color: #5d2a2a;
}

table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
th, td {
  text-align: left;
  padding: 14px 16px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
th {
  background: var(--navy);
  color: #fff;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
tr:last-child td { border-bottom: 0; }

.faq details {
  border-bottom: 1px solid var(--line);
  padding: 16px 0;
}
.faq summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 18px;
}
.faq p { margin-top: 10px; color: var(--muted); }

form {
  display: grid;
  gap: 14px;
}
label { font-size: 14px; font-weight: 700; color: var(--navy); }
input, select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  font: inherit;
  background: #fff;
}
textarea { min-height: 120px; resize: vertical; }

.page-hero {
  padding: 48px 0 20px;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.page-hero h1 { max-width: 20ch; font-size: clamp(32px, 4vw, 48px); }
.prose { max-width: 74ch; }
.prose p, .prose ul { margin-bottom: 16px; }
.prose ul { padding-left: 22px; }
.sources {
  font-size: 14px;
  color: var(--muted);
}
.sources a { color: var(--navy-mid); }

footer {
  background: var(--navy);
  color: var(--footer-text);
  padding: 42px 0 24px;
  font-size: 14px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 28px;
  margin-bottom: 28px;
}
footer h4 {
  color: #fff;
  font-family: "Source Serif 4", Georgia, serif;
  font-size: 18px;
  margin-bottom: 10px;
}
footer a { color: var(--footer-link); text-decoration: none; }
footer a:hover { color: var(--gold-soft); }
footer ul { list-style: none; display: grid; gap: 8px; }
.legal {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 16px;
  color: var(--footer-mute);
  font-size: 13px;
}

@media (max-width: 900px) {
  .status-row, .grid-2, .grid-3, .compare, .foot-grid {
    grid-template-columns: 1fr;
  }
  nav ul {
    display: none;
    position: absolute;
    top: 100%;
    right: 20px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 14px;
    flex-direction: column;
    align-items: stretch;
    min-width: 220px;
    box-shadow: var(--shadow);
  }
  nav ul.open { display: flex; }
  .menu-toggle { display: block; }
  header { position: relative; }
}