:root {
  --ink: #17212b;
  --muted: #5d6975;
  --line: #e5e9ef;
  --paper: #f7f9fb;
  --navy: #16324f;
  --teal: #0f766e;
  --gold: #c99738;
  --white: #ffffff;
}
* { box-sizing: border-box; }
body { font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; color: var(--ink); background: var(--white); line-height: 1.65; }
a { color: inherit; text-decoration: none; }
.top-contact { background: var(--ink); color: #eef5f6; font-size: .94rem; padding: .48rem 0; }
.top-contact a { color: #fff; font-weight: 800; white-space: nowrap; }
.top-contact i, .footer-phone i { color: var(--gold); margin-right: .4rem; }
.main-nav { background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(16px); }
.navbar-brand, .footer-brand { display: inline-flex; align-items: center; gap: .65rem; font-weight: 900; color: var(--ink); }
.brand-mark { width: 42px; height: 42px; display: inline-grid; place-items: center; background: var(--teal); color: #fff; border-radius: 6px; font-weight: 900; letter-spacing: 0; }
.nav-link { color: var(--ink); font-weight: 750; margin-left: .35rem; }
.nav-link.active, .nav-link:hover { color: var(--teal); }
.hero { background: linear-gradient(135deg, rgba(22,50,79,.96), rgba(15,118,110,.88)), url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&w=1800&q=80") center/cover; color: #fff; padding: 6rem 0 5rem; }
.hero h1, .page-hero h1, .contact-hero h1 { font-size: clamp(2.4rem, 5vw, 4.8rem); line-height: 1.02; font-weight: 900; letter-spacing: 0; margin: .75rem 0 1.15rem; }
.hero p, .page-hero p, .contact-hero p { font-size: 1.2rem; color: rgba(255,255,255,.88); max-width: 760px; }
.section-kicker { display: inline-flex; align-items: center; gap: .5rem; color: var(--gold); font-weight: 900; text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; }
.section-kicker:before { content: ""; width: 28px; height: 2px; background: currentColor; display: inline-block; }
.hero-actions { display: flex; gap: .85rem; flex-wrap: wrap; margin-top: 2rem; }
.btn { border-radius: 6px; font-weight: 850; padding: .82rem 1.15rem; }
.btn-primary { background: var(--teal); border-color: var(--teal); }
.btn-primary:hover { background: #0c5f59; border-color: #0c5f59; }
.btn-outline-light:hover { color: var(--ink); }
.hero-photo { position: relative; }
.hero-photo img, .rounded-media, .article-hero img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 8px; box-shadow: 0 24px 80px rgba(0,0,0,.22); }
.hero-stat { position: absolute; left: -1rem; bottom: 1.25rem; right: 1.25rem; background: rgba(255,255,255,.94); color: var(--ink); border-radius: 8px; padding: 1rem 1.1rem; box-shadow: 0 20px 50px rgba(0,0,0,.22); }
.hero-stat strong, .hero-stat span { display: block; }
.hero-stat span { color: var(--muted); }
.content-section, .split-section, .article-body { padding: 5rem 0; }
.split-section { background: var(--paper); }
h2 { font-size: clamp(1.8rem, 3vw, 2.75rem); line-height: 1.12; font-weight: 900; letter-spacing: 0; }
.lead-muted { color: var(--muted); font-size: 1.08rem; }
.feature-card, .location-card, .detail-card, .metric-card, .blog-card, .contact-panel, .icon-panel { display: block; background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 1.35rem; box-shadow: 0 16px 50px rgba(23,33,43,.06); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.feature-card:hover, .location-card:hover, .blog-card:hover { transform: translateY(-4px); border-color: rgba(15,118,110,.35); box-shadow: 0 22px 55px rgba(23,33,43,.1); }
.feature-card i { width: 48px; height: 48px; display: grid; place-items: center; background: #e8f4f2; color: var(--teal); border-radius: 6px; font-size: 1.25rem; margin-bottom: 1rem; }
.feature-card h3, .location-card span, .blog-card h3, .detail-card h2, .metric-card h2, .contact-panel h2 { font-size: 1.2rem; font-weight: 900; line-height: 1.2; margin-bottom: .6rem; }
.feature-card p, .location-card p, .blog-card p, .detail-card p, .metric-card p { color: var(--muted); margin-bottom: 0; }
.check-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem; margin-top: 1.5rem; }
.check-grid span { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: .8rem .9rem; font-weight: 800; }
.check-grid i { color: var(--teal); margin-right: .45rem; }
.cta-band { background: var(--navy); color: #fff; padding: 3.5rem 0; }
.cta-band p { color: rgba(255,255,255,.78); margin-bottom: 0; }
.page-hero { background: linear-gradient(135deg, var(--navy), #0f766e); color: #fff; padding: 5rem 0; }
.page-hero.compact { padding: 4.5rem 0; }
.service-hero { background: radial-gradient(circle at 85% 20%, rgba(201,151,56,.34), transparent 28%), linear-gradient(135deg, #16324f, #0d4f4a); }
.location-hero { background: linear-gradient(135deg, rgba(15,118,110,.92), rgba(22,50,79,.92)), url("https://images.unsplash.com/photo-1512917774080-9991f1c4c750?auto=format&fit=crop&w=1800&q=80") center/cover; }
.icon-panel { text-align: center; background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.22); }
.icon-panel i { font-size: 4rem; color: var(--gold); display: block; margin-bottom: 1rem; }
.pill-links { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: 1rem; }
.pill-links a, .article-links a, .text-link { color: var(--teal); font-weight: 850; }
.pill-links a { border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: .55rem .85rem; }
.metric-card span { color: var(--gold); font-weight: 900; }
.blog-card { padding: 0; overflow: hidden; }
.blog-card img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; }
.blog-card div { padding: 1.15rem; }
.article-hero { padding: 4.5rem 0; background: var(--paper); }
.article-hero p { color: var(--muted); font-size: 1.12rem; }
.article-body h2 { font-size: 1.55rem; margin-top: 2rem; }
.article-body p { color: #3e4a56; font-size: 1.08rem; }
.article-links { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.faq-section { background: #fff; }
.faq-section .accordion-item { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: .8rem; box-shadow: 0 12px 36px rgba(23,33,43,.05); }
.faq-section .accordion-button { font-weight: 900; color: var(--ink); line-height: 1.25; }
.faq-section .accordion-button:not(.collapsed) { background: #e8f4f2; color: var(--teal); box-shadow: none; }
.faq-section .accordion-button:focus { border-color: rgba(15,118,110,.35); box-shadow: 0 0 0 .2rem rgba(15,118,110,.12); }
.faq-section .accordion-body { color: var(--muted); }
.contact-hero { background: linear-gradient(135deg, rgba(22,50,79,.95), rgba(23,33,43,.78)), url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1800&q=80") center/cover; color: #fff; padding: 5rem 0; }
.contact-number { display: inline-flex; align-items: center; gap: .75rem; margin-top: 1rem; background: #fff; color: var(--ink); border-radius: 8px; padding: 1rem 1.25rem; font-size: 1.4rem; font-weight: 900; }
.contact-panel { background: rgba(255,255,255,.95); color: var(--ink); }
.contact-panel ul { padding: 0; margin: 1rem 0 0; list-style: none; }
.contact-panel li { padding: .75rem 0; border-bottom: 1px solid var(--line); color: var(--muted); }
.contact-panel li:last-child { border-bottom: 0; }
.contact-panel i { color: var(--teal); width: 1.4rem; }
.site-footer { background: #101820; color: rgba(255,255,255,.78); padding: 4rem 0 1.5rem; }
.site-footer h2 { font-size: .95rem; text-transform: uppercase; color: #fff; margin-bottom: 1rem; }
.site-footer a { display: block; color: rgba(255,255,255,.78); margin-bottom: .55rem; }
.site-footer a:hover { color: #fff; }
.footer-brand { color: #fff; margin-bottom: 1rem; }
.footer-phone { color: #fff; font-weight: 900; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2rem; padding-top: 1.2rem; color: rgba(255,255,255,.62); }
@media (max-width: 991px) {
  .top-contact .container { align-items: flex-start !important; }
  .hero, .page-hero, .contact-hero { padding: 4rem 0; }
  .hero-photo { margin-top: 1rem; }
  .hero-stat { position: static; margin-top: 1rem; }
  .check-grid { grid-template-columns: 1fr; }
}
@media (max-width: 575px) {
  .top-contact span { display: none; }
  .top-contact .container { justify-content: center !important; }
  .hero-actions .btn { width: 100%; }
  .content-section, .split-section, .article-body { padding: 3.25rem 0; }
  .contact-number { font-size: 1.1rem; width: 100%; justify-content: center; }
}

/* Apply Now shared CTA styles */
.navbar-nav .btn-primary[href*="lendingpad.com"],
.nav-links a.apply-now,
.links a.apply-now {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-accent-dark: var(--green-dark, var(--secondary, var(--ink, #0f4d41)));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border-radius: 8px;
  background: var(--apply-accent);
  border: 1px solid var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-nav .btn-primary[href*="lendingpad.com"]:hover,
.navbar-nav .btn-primary[href*="lendingpad.com"]:focus,
.nav-links a.apply-now:hover,
.nav-links a.apply-now:focus,
.links a.apply-now:hover,
.links a.apply-now:focus {
  background: var(--apply-accent-dark);
  border-color: var(--apply-accent-dark);
  color: #fff;
}
.apply-now-strip {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-panel: var(--ink, var(--primary, #172126));
  padding: clamp(28px, 5vw, 56px) 0;
  background: transparent;
}
.apply-now-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: clamp(24px, 4vw, 36px);
  border-radius: 8px;
  background: var(--apply-panel);
  color: #fff;
  box-shadow: 0 18px 42px rgba(15, 23, 42, .14);
}
.apply-now-strip span {
  color: #fff;
  font-size: clamp(1.25rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.12;
}
.apply-now-page-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 8px;
  background: var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.apply-now-page-button:hover,
.apply-now-page-button:focus {
  filter: brightness(.92);
  color: #fff;
}
@media (max-width: 640px) {
  .navbar-nav .btn-primary[href*="lendingpad.com"],
  .nav-links a.apply-now,
  .links a.apply-now {
    width: 100%;
    margin-top: 6px;
  }
  .apply-now-strip .container {
    display: grid;
    gap: 16px;
    text-align: left;
  }
  .apply-now-page-button {
    width: 100%;
  }
}