:root {
  color-scheme: light;
  --ink: #102f46;
  --muted: #5b7284;
  --blue: #218bd5;
  --teal: #00a6a6;
  --green: #70bf57;
  --sun: #ffd166;
  --coral: #ff7a59;
  --mint: #e9fbf4;
  --sky: #eaf7ff;
  --cream: #f8fcff;
  --line: #d8eaef;
  --card: #ffffff;
  --shadow: 0 18px 42px rgba(33, 139, 213, .12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Poppins, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background:
    linear-gradient(180deg, #ffffff 0, var(--cream) 440px),
    var(--cream);
  line-height: 1.6;
}

a {
  color: inherit;
}

img {
  max-width: 100%;
  height: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(216, 234, 239, .92);
}

.wrap {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  font-weight: 800;
}

.brand img {
  width: 210px;
  display: block;
}

.nav {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 15px;
  color: #284b62;
}

.nav a {
  text-decoration: none;
}

.nav a:hover {
  color: var(--teal);
}

.button,
button.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border: 0;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--teal), #24b86f);
  color: white;
  padding: 0 18px;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
  box-shadow: 0 10px 22px rgba(0, 166, 166, .22);
  transition: transform .16s ease, box-shadow .16s ease, background .16s ease;
}

.button:hover,
button.button:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 26px rgba(0, 166, 166, .26);
}

.button.secondary {
  background: #f5fcff;
  color: var(--ink);
  border: 1px solid var(--line);
  box-shadow: none;
}

.hero {
  position: relative;
  padding: 58px 0 40px;
  background:
    linear-gradient(135deg, rgba(232, 250, 255, .98), rgba(235, 253, 242, .98) 58%, rgba(255, 247, 225, .82)),
    linear-gradient(90deg, rgba(255, 122, 89, .08), rgba(33, 139, 213, .1));
  border-bottom: 1px solid var(--line);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(300px, .82fr);
  gap: 42px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  padding: 6px 10px;
  border: 1px solid rgba(0, 166, 166, .28);
  border-radius: 999px;
  color: #087879;
  background: rgba(255, 255, 255, .82);
  font-size: 14px;
  font-weight: 750;
}

h1,
h2,
h3 {
  line-height: 1.16;
  letter-spacing: 0;
}

h1 {
  font-size: clamp(32px, 3.3vw, 46px);
  margin: 0 0 16px;
}

.hero h1 {
  font-size: clamp(34px, 4.8vw, 58px);
}

h2 {
  font-size: clamp(23px, 2.4vw, 32px);
  margin: 0 0 14px;
}

h3 {
  font-size: 19px;
  margin: 0 0 10px;
}

.lead {
  color: var(--muted);
  font-size: 18px;
  max-width: 790px;
}

.search-panel {
  margin-top: 28px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, .92);
  box-shadow: var(--shadow);
}

.search-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 12px;
}

.search-row input,
.field input,
.field textarea,
.field select {
  width: 100%;
  min-height: 52px;
  border: 1px solid #bfd5db;
  border-radius: 8px;
  padding: 12px 14px;
  color: var(--ink);
  background: white;
  font: inherit;
}

.example-list,
.chips,
.tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.example-list {
  margin-top: 14px;
}

.example-list button,
.chip,
.tag {
  border: 1px solid #cfe4e5;
  background: #fff;
  border-radius: 999px;
  color: #31586d;
  padding: 8px 11px;
  font: inherit;
  font-size: 13px;
}

.example-list button,
.chip {
  cursor: pointer;
}

.chip.is-active {
  background: linear-gradient(135deg, #102f46, #007e92);
  border-color: #007e92;
  color: #fff;
}

.trust-panel {
  padding: 26px;
  border-radius: 8px;
  background:
    linear-gradient(180deg, #ffffff, #f7fdff);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.trust-list {
  display: grid;
  gap: 14px;
  margin: 22px 0 0;
}

.trust-item {
  display: flex;
  gap: 12px;
}

.icon {
  display: inline-grid;
  place-items: center;
  flex: 0 0 34px;
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--mint), #fff4d0);
  color: var(--teal);
  font-weight: 900;
}

.section {
  padding: 54px 0;
}

.section.alt {
  background: #ffffff;
  border-block: 1px solid var(--line);
}

.section-head {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 22px;
  margin-bottom: 24px;
}

.section-head p {
  max-width: 680px;
  color: var(--muted);
}

.directory-controls {
  display: grid;
  gap: 16px;
  margin-bottom: 26px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(180deg, #ffffff 0, #ffffff 76%, #f7fcff 100%);
  padding: 20px;
  box-shadow: 0 10px 24px rgba(33, 139, 213, .07);
  transition: transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}

.card:hover {
  transform: translateY(-2px);
  border-color: #b8dfe9;
  box-shadow: 0 16px 30px rgba(33, 139, 213, .11);
}

.lender-top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 16px;
}

.lender-logo {
  width: 122px;
  height: 50px;
  border-radius: 8px;
  border: 1px solid var(--line);
  background: #ffffff;
  box-shadow: 0 8px 18px rgba(16, 47, 70, .07);
  object-fit: contain;
  flex: 0 0 auto;
}

.lender-card .lender-top,
.broker-card .lender-top {
  display: grid;
  grid-template-columns: 1fr;
  align-items: start;
  gap: 12px;
}

.lender-card .lender-logo,
.broker-card .lender-logo {
  width: 100%;
  height: 78px;
}

.lender-card .lender-top h3,
.broker-card .lender-top h3 {
  margin-bottom: 8px;
}

.card p {
  color: var(--muted);
  margin: 0 0 14px;
}

.card .button {
  margin-top: auto;
}

.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 330px;
  gap: 28px;
  align-items: start;
}

.content-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  padding: 24px;
  box-shadow: 0 10px 24px rgba(33, 139, 213, .06);
}

.content-card h1 {
  font-size: clamp(30px, 3vw, 42px);
}

.content-card > h2,
.content-card section h2 {
  margin-top: 30px;
}

.content-card > h2:first-child,
.content-card section:first-child h2 {
  margin-top: 0;
}

.procon {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.list {
  padding-left: 19px;
}

.list li {
  margin: 6px 0;
}

.side-panel {
  position: sticky;
  top: 98px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff, #f8fdff);
  padding: 20px;
  box-shadow: 0 10px 24px rgba(33, 139, 213, .06);
}

.side-panel h2 {
  font-size: 22px;
}

.breadcrumbs {
  padding: 20px 0 0;
  color: #5a7282;
  font-size: 14px;
}

.breadcrumbs a {
  color: #2a657f;
}

.faq {
  display: grid;
  gap: 12px;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  padding: 16px 18px;
}

summary {
  cursor: pointer;
  font-weight: 800;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.field {
  display: grid;
  gap: 7px;
}

.field.full {
  grid-column: 1 / -1;
}

.field label,
.legend {
  font-weight: 750;
  color: #274d62;
}

.check-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfeff;
}

.check-grid label,
.radio-row label {
  display: flex;
  align-items: center;
  gap: 8px;
}

.radio-row {
  display: flex;
  gap: 18px;
  min-height: 48px;
  align-items: center;
}

.disclaimer {
  font-size: 14px;
  color: #61788a;
}

.cta-band {
  background: linear-gradient(135deg, #0f344c, #007e92 55%, #21a76b);
  color: white;
  padding: 34px 0;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.sticky-apply {
  position: sticky;
  bottom: 0;
  z-index: 40;
  background: rgba(15, 52, 76, .97);
  color: white;
  border-top: 1px solid rgba(255, 255, 255, .12);
}

.sticky-apply .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 66px;
}

.sticky-apply p {
  margin: 0;
  font-weight: 750;
}

.footer {
  padding: 44px 0 86px;
  background: #0c2e44;
  color: #d8e9ef;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 26px;
}

.stats-band {
  background: #fff;
  border-bottom: 1px solid var(--line);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border-inline: 1px solid var(--line);
}

.stats-grid div {
  display: grid;
  gap: 4px;
  padding: 20px;
  background: linear-gradient(180deg, #ffffff, #f7fdff);
}

.stats-grid strong {
  font-size: 27px;
  line-height: 1.1;
  color: #078d8d;
}

.stats-grid span,
.last-updated {
  color: var(--muted);
  font-size: 14px;
}

.last-updated {
  margin: 6px 0 0;
}

.featured-label {
  align-self: flex-start;
  margin-bottom: 12px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--mint), #fff2c2);
  color: #087879;
  padding: 5px 10px;
  font-size: 12px;
  font-weight: 800;
}

.footer a {
  color: #d8e9ef;
}

.footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 8px;
}

.hidden {
  display: none !important;
}

.no-results {
  display: none;
  padding: 24px;
  border: 1px dashed #b8d4d7;
  border-radius: 8px;
  color: var(--muted);
  background: white;
}

.no-results.is-visible {
  display: block;
}

@media (max-width: 900px) {
  .hero-grid,
  .content-grid,
  .footer-grid,
  .stats-grid {
    grid-template-columns: 1fr;
  }

  .cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .side-panel {
    position: static;
  }
}

@media (max-width: 680px) {
  .header-inner,
  .section-head,
  .cta-inner,
  .sticky-apply .wrap {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav {
    width: 100%;
    flex-wrap: wrap;
    gap: 8px 14px;
    overflow-x: visible;
    padding-bottom: 0;
    font-size: 14px;
  }

  .nav a {
    white-space: nowrap;
  }

  .nav .button {
    min-height: 42px;
    padding-inline: 14px;
  }

  .brand img {
    width: 190px;
  }

  .hero {
    padding-top: 42px;
  }

  .search-row,
  .cards,
  .procon,
  .form-grid,
  .check-grid {
    grid-template-columns: 1fr;
  }

  h1 {
    font-size: 32px;
  }

  h2 {
    font-size: 24px;
  }

  .lead {
    font-size: 16px;
  }

  .lender-top {
    align-items: flex-start;
  }

  .lender-logo {
    width: 104px;
    height: 46px;
  }

  .sticky-apply {
    position: static;
  }
}