:root{--navy:#20265a;--navy2:#171c46;--yellow:#f9b817;--gold:#d29c30;--ink:#22274f;--text:#687080;--soft:#f5f6f8;--line:#e4e6ec;--green:#20c96b;--shadow:0 10px 30px rgba(31,38,90,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Poppins,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{text-decoration:none;color:inherit}img{display:block;max-width:100%}button,input,select{font:inherit}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.skip{position:fixed;top:-60px;left:20px;background:#fff;padding:10px 18px;z-index:999}.skip:focus{top:10px}.section{padding:92px 0}.header{height:88px;background:#fff;position:sticky;top:0;z-index:100;box-shadow:0 3px 16px rgba(20,25,60,.08)}.nav{height:100%;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px}.brand-mark{display:block;width:58px;height:58px;overflow:hidden;border-radius:50%;position:relative}.brand-mark img{position:absolute;width:84px;max-width:none;left:-13px;top:-2px}.brand-copy{display:flex;flex-direction:column;line-height:1}.brand-copy b{font-size:21px;letter-spacing:.06em}.brand-copy small{color:var(--gold);font-weight:700;letter-spacing:.25em;font-size:7px;margin-top:5px}.menu{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:600}.menu>a:not(.apply-btn):hover{color:var(--yellow)}.header-phone{color:var(--gold)}.apply-btn,.yellow-btn{background:var(--yellow);color:#fff;font-weight:700;display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:17px 24px;box-shadow:0 8px 18px rgba(249,184,23,.22);transition:.2s}.apply-btn{padding:15px 21px}.apply-btn:hover,.yellow-btn:hover{background:#eda900;transform:translateY(-2px)}.menu-toggle{display:none;background:transparent;border:0}.menu-toggle span{display:block;width:27px;height:2px;background:var(--navy);margin:5px}.menu-toggle i{position:absolute;width:1px;height:1px;overflow:hidden}
.hero{height:660px;position:relative;display:flex;align-items:center;overflow:hidden}.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,27,68,.95) 0%,rgba(25,31,73,.81) 43%,rgba(24,29,65,.35) 76%,rgba(20,24,55,.26) 100%)}.hero-inner{position:relative;color:#fff}.hero-label{font-size:16px;color:var(--yellow);font-weight:700;letter-spacing:.06em;margin:0 0 10px}.hero h1{font-size:68px;line-height:1.08;margin:0;letter-spacing:-.035em;max-width:760px}.hero h1 span{color:var(--yellow)}.hero-sub{font-size:18px;max-width:660px;margin:22px 0;color:#eef0f6}.hero-points{display:flex;gap:22px;flex-wrap:wrap;font-size:13px;font-weight:600;margin-bottom:26px}.hero-points span{background:rgba(255,255,255,.13);padding:8px 12px;border-radius:3px}.hero-note{font-size:10px;color:#c7cbe0;margin:10px 0}.yellow-btn{min-width:205px}.heading{margin-bottom:45px}.heading.center{text-align:center}.heading>p{color:var(--yellow);font-weight:700;font-size:14px;margin:0 0 13px;display:flex;justify-content:center;align-items:center;gap:10px}.heading i{width:27px;height:3px;background:var(--yellow);display:inline-block}.heading h2{font-size:39px;line-height:1.25;margin:0 0 12px;color:var(--navy)}.heading>span{display:block;color:var(--text);font-size:15px}.why-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.why-cards article{background:#fff;border:1px solid #eceef3;padding:36px 30px;text-align:center;border-radius:8px;box-shadow:var(--shadow);transition:.2s}.why-cards article:hover{transform:translateY(-5px);border-color:var(--yellow)}.round-icon{width:72px;height:72px;border-radius:50%;background:#fff5d7;margin:0 auto 20px;display:grid;place-items:center}.round-icon svg{width:38px;fill:var(--yellow)}.why-cards h3{font-size:20px;margin:0 0 8px}.why-cards p{font-size:13px;color:var(--text);margin:0}
.apply-section{background:var(--navy);padding:80px 0 90px;position:relative;overflow:hidden}.shape{position:absolute;border:1px solid rgba(255,255,255,.06);border-radius:50%}.shape-a{width:470px;height:470px;left:-220px;top:20px}.shape-b{width:600px;height:600px;right:-300px;bottom:-370px}.apply-intro{text-align:center;color:#fff;margin-bottom:30px;position:relative}.apply-intro p{color:var(--yellow);font-size:13px;font-weight:700;letter-spacing:.07em;margin:0}.apply-intro h2{font-size:40px;margin:5px 0 8px}.apply-intro span{font-size:14px;color:#c9cde0}.loan-form{position:relative;background:#fff;border-radius:10px;padding:38px 44px;display:grid;grid-template-columns:1fr 1fr;gap:20px 26px;box-shadow:0 18px 50px rgba(8,11,38,.28)}.field label{display:block;color:#555c70;font-size:13px;margin-bottom:7px}.field label b{color:#e84141}.field input,.field select{width:100%;border:1px solid #e3e5eb;background:#f5f6f8;padding:14px 15px;outline:none;color:var(--ink)}.field input:focus,.field select:focus{border-color:var(--yellow);box-shadow:0 0 0 3px rgba(249,184,23,.14)}.agree{grid-column:1/-1;display:flex;gap:9px;align-items:start;font-size:11px;color:var(--text)}.agree input{margin-top:3px}.form-submit{grid-column:1/-1;border:0;background:var(--yellow);color:#fff;font-weight:700;padding:16px;cursor:pointer;transition:.2s}.form-submit:hover{background:#eaa600}.form-disclaimer{grid-column:1/-1;text-align:center;font-size:10px;color:#8a8f9d;margin:0}
.solutions{background:#fafbfc}.solution-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.solution-card{background:#fff;border-radius:8px;overflow:hidden;box-shadow:var(--shadow);border:1px solid #e8eaf0;transition:.2s}.solution-card:hover{transform:translateY(-6px)}.solution-card.featured{border:2px solid var(--yellow)}.solution-img{height:220px;position:relative;overflow:hidden}.solution-img img{width:100%;height:100%;object-fit:cover}.solution-img.personal img{object-position:68% center}.solution-img:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(25,30,70,.8),transparent 65%)}.solution-img span{position:absolute;z-index:2;left:20px;bottom:15px;background:var(--yellow);color:#fff;font-size:11px;font-weight:700;padding:7px 12px}.solution-body{padding:25px}.solution-body h3{font-size:21px;margin:0 0 9px}.solution-body>p{color:var(--text);font-size:13px;margin:0 0 15px}.solution-body ul{list-style:none;padding:0;margin:0 0 18px}.solution-body li{font-size:12px;color:#50576b;padding:8px 0;border-bottom:1px solid #eceef2}.solution-body li:before{content:"✓";color:var(--yellow);font-weight:700;margin-right:9px}.docs{background:#f5f6f8;padding:12px;margin-bottom:18px}.docs b,.docs span{display:block}.docs b{font-size:11px;color:var(--navy)}.docs span{font-size:10px;color:var(--text);margin-top:3px}.solution-body>a{display:block;text-align:center;background:var(--navy);color:#fff;padding:13px 9px;font-size:10.5px;font-weight:700}.featured .solution-body>a{background:var(--yellow)}
.promo{position:relative;background:var(--navy2);padding:65px 0;color:#fff;overflow:hidden}.promo-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(26,31,73,.95),rgba(26,31,73,.78)),url('assets/property-loan.webp') center/cover;opacity:.8}.promo-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px}.promo p{color:var(--yellow);font-size:13px;font-weight:700;margin:0}.promo h2{font-size:36px;line-height:1.25;margin:5px 0}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.steps article{position:relative;border:1px solid var(--line);padding:28px;text-align:center;background:#fff}.steps article>b{position:absolute;right:14px;top:10px;color:#e4e6ec;font-size:24px}.steps article>div{width:55px;height:55px;background:#fff5d7;color:var(--yellow);border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;font-size:23px;font-weight:700}.steps h3{font-size:17px;margin:0 0 7px}.steps p{color:var(--text);font-size:12px;margin:0}.disclosure{background:var(--yellow);padding:70px 0}.disclosure-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:80px;align-items:center}.disclosure-grid>div:first-child p{font-size:12px;font-weight:700;letter-spacing:.08em;margin:0}.disclosure h2{font-size:42px;line-height:1.2;margin:6px 0}.disclosure-grid>div:last-child{font-size:13px;color:#383b4f}.disclosure-grid a{display:inline-block;background:var(--navy);color:#fff;padding:13px 20px;font-size:11px;font-weight:700;margin-top:8px}.faq-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px}.faq-title>p{color:var(--yellow);font-size:12px;font-weight:700}.faq-title h2{font-size:38px;line-height:1.2;margin:6px 0 12px}.faq-title>span{font-size:14px;color:var(--text)}.faq-title>a{display:inline-block;color:var(--navy);font-size:11px;font-weight:700;border-bottom:2px solid var(--yellow);margin-top:20px}.faq-list details{border:1px solid var(--line);margin-bottom:11px;background:#fff}.faq-list summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:18px 20px;cursor:pointer;font-weight:600;font-size:14px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--yellow);font-size:22px}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{margin:0;padding:0 20px 18px;color:var(--text);font-size:12px}.final{background:var(--navy);color:#fff;text-align:center;padding:85px 0}.final p{color:var(--yellow);font-size:13px;font-weight:700;margin:0}.final h2{font-size:42px;margin:5px 0 10px}.final>div>span{color:#c5c9dc;font-size:14px}.final>div>div{display:flex;justify-content:center;gap:12px;margin-top:27px}.outline-btn{border:1px solid rgba(255,255,255,.5);padding:16px 24px;color:#fff;font-size:12px;font-weight:700}.footer{background:#111633;color:#abb0c8;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr 1fr 1fr;gap:45px}.footer-brand .brand-copy b{color:#fff}.footer-grid h3{color:#fff;font-size:15px;margin-top:0}.footer-grid p,.footer-grid a:not(.brand){display:block;font-size:11px;margin:8px 0}.footer-grid a:hover{color:var(--yellow)}.copyright{border-top:1px solid rgba(255,255,255,.09);padding-top:18px;margin-top:35px;font-size:10px}.float-wa{position:fixed;right:20px;bottom:20px;z-index:90;background:var(--green);color:#fff;border-radius:99px;padding:10px 17px 10px 10px;display:flex;align-items:center;gap:8px;box-shadow:0 8px 25px rgba(0,0,0,.22);font-size:12px}.float-wa span{background:#fff;color:var(--green);width:32px;height:32px;border-radius:50%;display:grid;place-items:center}.mobile-actions{display:none}
@media(max-width:980px){.menu-toggle{display:block}.menu{position:fixed;top:88px;right:0;width:min(380px,100%);height:calc(100vh - 88px);background:#fff;display:flex;flex-direction:column;align-items:stretch;padding:25px;transform:translateX(100%);transition:.25s;box-shadow:-10px 10px 30px rgba(0,0,0,.12)}.menu.open{transform:none}.menu>a{padding:12px}.hero h1{font-size:56px}.why-cards,.solution-cards{grid-template-columns:1fr}.solution-card{display:grid;grid-template-columns:.8fr 1.2fr}.solution-img{height:100%}.steps{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.wrap{width:min(100% - 28px,1160px)}.header{height:72px}.menu{top:72px;height:calc(100vh - 72px)}.brand-mark{width:44px;height:44px}.brand-mark img{width:64px;left:-10px}.brand-copy b{font-size:16px}.brand-copy small{font-size:6px}.hero{height:610px;align-items:flex-end;padding-bottom:54px}.hero-bg{object-position:64% center}.hero-shade{background:linear-gradient(0deg,rgba(24,29,70,.97) 0%,rgba(24,29,70,.82) 66%,rgba(24,29,70,.36) 100%)}.hero-label{font-size:12px}.hero h1{font-size:43px}.hero-sub{font-size:14px;margin:15px 0}.hero-points{gap:7px;margin-bottom:20px}.hero-points span{font-size:9px;padding:6px 7px}.yellow-btn{padding:14px 18px;font-size:12px}.section{padding:65px 0}.heading{margin-bottom:30px}.heading h2{font-size:29px}.heading>span{font-size:12px}.why-cards{gap:16px}.why-cards article{padding:27px 20px}.apply-section{padding:60px 0}.apply-intro h2{font-size:30px}.loan-form{grid-template-columns:1fr;padding:25px 19px;gap:14px}.agree,.form-submit,.form-disclaimer{grid-column:auto}.solution-card{display:block}.solution-img{height:215px}.promo-inner{display:block;text-align:center}.promo h2{font-size:29px}.promo .yellow-btn{margin-top:18px}.steps{grid-template-columns:1fr}.disclosure-grid,.faq-grid{grid-template-columns:1fr;gap:25px}.disclosure h2,.faq-title h2{font-size:32px}.final h2{font-size:32px}.final>div>div{flex-direction:column}.footer-grid{grid-template-columns:1fr;gap:25px}.float-wa{display:none}.mobile-actions{display:grid;grid-template-columns:1fr 1fr;position:fixed;z-index:120;left:0;right:0;bottom:0;box-shadow:0 -6px 20px rgba(0,0,0,.16)}.mobile-actions a{text-align:center;color:#fff;font-weight:700;font-size:13px;padding:14px}.mobile-actions a:first-child{background:var(--green)}.mobile-actions a:last-child{background:var(--yellow)}body{padding-bottom:48px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Mobile refinement */
@media(max-width:650px){
  section[id]{scroll-margin-top:12px}
  body.menu-open{overflow:hidden}
  .header{position:relative}
  .menu{position:absolute}
  .hero{height:570px;padding-bottom:34px}
  .hero-bg{object-position:61% center}
  .hero-inner{padding-top:44px}
  .hero h1{font-size:40px;line-height:1.08;max-width:350px}
  .hero-sub{font-size:13px;line-height:1.65;max-width:355px}
  .hero-points{display:grid;grid-template-columns:1fr 1fr;max-width:340px}
  .hero-points span{font-size:8.5px;text-align:center;white-space:nowrap}
  .hero-points span:last-child{grid-column:1/-1;width:50%;justify-self:center}
  .hero .yellow-btn{width:100%;max-width:300px}
  .hero-note{max-width:320px;line-height:1.5}
  .section{padding:55px 0}
  .heading h2{font-size:27px;line-height:1.3}
  .heading>p{font-size:12px}
  .heading>span{line-height:1.7}
  .why-cards article{display:grid;grid-template-columns:58px 1fr;column-gap:15px;text-align:left;padding:18px;align-items:center}
  .round-icon{width:52px;height:52px;margin:0;grid-row:1/3}
  .round-icon svg{width:28px}
  .why-cards h3{font-size:16px;margin:0 0 4px}
  .why-cards p{font-size:11px;line-height:1.55}
  .apply-section{padding:52px 0 60px}
  .apply-intro{margin-bottom:22px}
  .apply-intro h2{font-size:28px;line-height:1.3}
  .apply-intro span{font-size:11px;line-height:1.7;display:block}
  .loan-form{padding:22px 17px;border-radius:8px;gap:12px}
  .field label{font-size:11px;margin-bottom:5px}
  .field input,.field select{padding:12px 13px;font-size:13px}
  .agree{font-size:9.5px;line-height:1.5}
  .form-submit{padding:14px;font-size:12px}
  .form-disclaimer{font-size:8.5px;line-height:1.5}
  .solution-cards{gap:18px}
  .solution-card{border-radius:7px}
  .solution-body{padding:20px}
  .solution-body h3{font-size:19px}
  .solution-body>p{font-size:11px}
  .solution-body li{font-size:11px;padding:7px 0}
  .promo{padding:48px 0}
  .promo h2{font-size:27px}
  .promo p{font-size:10px}
  .steps{grid-template-columns:1fr 1fr;gap:10px}
  .steps article{padding:22px 12px;min-height:190px}
  .steps article>b{font-size:17px}
  .steps article>div{width:45px;height:45px;font-size:19px}
  .steps h3{font-size:14px}
  .steps p{font-size:10px}
  .disclosure{padding:52px 0}
  .disclosure-grid{gap:16px}
  .disclosure-grid>div:last-child{font-size:11px}
  .faq-title h2{font-size:29px}
  .faq-list summary{padding:15px;font-size:12px}
  .faq-list details p{padding:0 15px 15px;font-size:10px}
  .final{padding:58px 0}
  .final h2{font-size:29px;line-height:1.3}
  .final>div>span{font-size:11px}
  .footer{padding:45px 0 22px}
  .footer-grid{gap:20px}
  .footer-grid a,.footer-grid p{overflow-wrap:anywhere}
  .mobile-actions a{padding:12px;font-size:12px}
  body{padding-bottom:44px}
}
@media(max-width:370px){.brand-copy b{font-size:14px}.brand-copy small{letter-spacing:.18em}.hero h1{font-size:36px}.hero-points span{white-space:normal}.steps{grid-template-columns:1fr}}