@import url('https://fonts.googleapis.com/css2?family=Oswald:wght@400;500;600;700&family=Open+Sans:ital,wght@0,400;0,600;0,700;1,400&display=swap');
:root {
  --navy-deep:#07074a;--navy:#0d0d70;--navy-mid:#1414b0;--gold:#C9A94A;--gold-light:#e0c475;--gold-dark:#a8882d;
  --white:#ffffff;--off-white:#f4f4f4;--gray-light:#e8e8e8;--gray:#888;--gray-dark:#444;--black:#111;
  --font-display:'Oswald','Arial Narrow',sans-serif;--font-body:'Open Sans',Arial,sans-serif;
  --text-xs:clamp(0.75rem,0.7rem + 0.25vw,0.875rem);--text-sm:clamp(0.875rem,0.8rem + 0.35vw,1rem);
  --text-base:clamp(1rem,0.95rem + 0.25vw,1.125rem);--text-lg:clamp(1.125rem,1rem + 0.75vw,1.5rem);
  --text-xl:clamp(1.5rem,1.2rem + 1.25vw,2.25rem);--text-2xl:clamp(2rem,1.2rem + 2.5vw,3.5rem);
  --text-3xl:clamp(2.5rem,1rem + 4vw,5rem);--text-hero:clamp(2.8rem,1rem + 5.5vw,6rem);
  --space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-6:1.5rem;--space-8:2rem;
  --space-10:2.5rem;--space-12:3rem;--space-16:4rem;--space-20:5rem;--space-24:6rem;
  --transition:200ms cubic-bezier(0.16,1,0.3,1);
  --shadow-sm:0 2px 8px rgba(0,0,0,0.12);--shadow-md:0 6px 24px rgba(0,0,0,0.18);--shadow-lg:0 16px 48px rgba(0,0,0,0.25);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;scroll-padding-top:80px;-webkit-font-smoothing:antialiased;}
body{font-family:var(--font-body);font-size:var(--text-base);color:var(--black);background:var(--white);line-height:1.65;}
img,video{display:block;max-width:100%;height:auto;}
ul{list-style:none;}a{text-decoration:none;color:inherit;}button{cursor:pointer;font:inherit;border:none;background:none;}
h1,h2,h3,h4,h5,h6{font-family:var(--font-display);line-height:1.15;}
.top-bar{background:var(--navy-deep);color:var(--white);font-size:var(--text-xs);padding:6px 0;border-bottom:1px solid rgba(201,169,74,0.3);}
.top-bar-inner{max-width:1280px;margin:0 auto;padding:0 var(--space-6);display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);}
.top-bar-left{display:flex;align-items:center;gap:var(--space-6);}
.top-bar-left span{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,0.85);white-space:nowrap;}
.top-bar-left span svg{color:var(--gold);flex-shrink:0;}
.top-bar-left a{color:rgba(255,255,255,0.85);transition:color var(--transition);white-space:nowrap;padding:0 var(--space-2);}
.top-bar-left a:hover{color:var(--gold);}
.top-bar-divider{display:inline-block;width:1px;height:14px;background:rgba(255,255,255,0.25);margin:0 var(--space-2);}
.top-bar-right{display:flex;align-items:center;gap:var(--space-4);}
.top-bar-social{display:flex;gap:var(--space-3);padding-left:var(--space-4);border-left:1px solid rgba(255,255,255,0.2);}
.top-bar-social a{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:rgba(255,255,255,0.1);color:var(--white);transition:background var(--transition),color var(--transition);}
.top-bar-social a:hover{background:var(--gold);color:var(--navy-deep);}
.navbar{background:var(--navy-mid);position:sticky;top:0;z-index:1000;box-shadow:0 2px 16px rgba(0,0,0,0.3);}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 var(--space-6);display:flex;align-items:center;justify-content:space-between;height:72px;}
.nav-logo{display:flex;align-items:center;gap:var(--space-3);text-decoration:none;}
.nav-logo-text{display:flex;flex-direction:column;line-height:1.1;}
.nav-logo-text .brand-name{font-family:var(--font-display);font-size:1.1rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;line-height:1.15;background:linear-gradient(180deg,#f5e27a 0%,#C9A94A 40%,#8a6520 65%,#C9A94A 80%,#f0d060 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.nav-logo-text .brand-tagline{font-family:var(--font-display);font-size:0.9rem;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;line-height:1.15;background:linear-gradient(180deg,#f5e27a 0%,#C9A94A 40%,#8a6520 65%,#C9A94A 80%,#f0d060 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.nav-menu{display:flex;align-items:center;gap:var(--space-2);}
.nav-link{font-family:var(--font-display);font-size:0.85rem;font-weight:500;color:var(--white);padding:8px 12px;letter-spacing:0.08em;text-transform:uppercase;transition:color var(--transition);position:relative;white-space:nowrap;}
.nav-link::after{content:'';position:absolute;bottom:4px;left:12px;right:12px;height:2px;background:var(--gold);transform:scaleX(0);transition:transform var(--transition);}
.nav-link:hover{color:var(--gold);}.nav-link:hover::after{transform:scaleX(1);}
.nav-item{position:relative;}
.nav-dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:240px;background:var(--navy-deep);border:1px solid rgba(201,169,74,0.25);border-top:3px solid var(--gold);box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity var(--transition),visibility var(--transition),transform var(--transition);z-index:100;}
.nav-item:hover .nav-dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.nav-dropdown a{display:block;font-family:var(--font-display);font-size:0.82rem;font-weight:400;letter-spacing:0.06em;text-transform:uppercase;color:rgba(255,255,255,0.85);padding:12px 18px;border-bottom:1px solid rgba(255,255,255,0.07);transition:background var(--transition),color var(--transition),padding-left var(--transition);}
.nav-dropdown a:hover{background:rgba(201,169,74,0.15);color:var(--gold);padding-left:24px;}
.nav-cta{background:var(--black) !important;color:var(--white) !important;padding:10px 20px !important;font-weight:700;border:2px solid transparent;}
.nav-cta::after{display:none !important;}
.nav-cta:hover{background:var(--gold) !important;color:var(--navy-deep) !important;border-color:var(--gold) !important;}
.nav-hamburger{display:none;flex-direction:column;gap:5px;padding:8px;color:var(--white);}
.nav-hamburger span{display:block;width:24px;height:2px;background:currentColor;transition:transform var(--transition),opacity var(--transition);}
.hero{position:relative;width:100%;height:90vh;min-height:560px;max-height:900px;overflow:hidden;display:flex;align-items:center;}
.hero-video-wrap{position:absolute;inset:0;z-index:0;}
.hero-video-wrap video{width:100%;height:100%;object-fit:cover;object-position:center;}
.hero-overlay{display:none;}
.hero-content{position:relative;z-index:2;width:100%;max-width:1280px;margin:0 auto;padding:0 var(--space-8);}
.hero-label{display:inline-block;background:var(--gold);color:var(--navy-deep);font-family:var(--font-display);font-size:var(--text-xs);font-weight:700;letter-spacing:0.15em;text-transform:uppercase;padding:6px 16px;margin-bottom:var(--space-4);}
.hero h1{font-size:clamp(2.4rem,4.2vw,4.8rem);font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:0.02em;line-height:1.1;max-width:860px;margin-bottom:var(--space-6);text-shadow:0 2px 10px rgba(0,0,0,0.75),0 1px 4px rgba(0,0,0,0.85);}
.hero h1 span{color:var(--gold);}
.hero-h1-gold{color:#C9A94A;-webkit-text-fill-color:#C9A94A;text-shadow:0 2px 12px rgba(0,0,0,0.85),0 0 30px rgba(0,0,0,0.5);}
.hero-h1-white{color:#ffffff;-webkit-text-fill-color:#ffffff;text-shadow:0 2px 12px rgba(0,0,0,0.85),0 1px 4px rgba(0,0,0,0.9);}
.hero-subtitle{font-family:var(--font-body);font-size:var(--text-lg);font-style:italic;font-weight:700;max-width:680px;margin-bottom:var(--space-10);line-height:1.5;background:linear-gradient(90deg,#C9A94A 0%,#C9A94A 20%,#fff8dc 35%,#ffffff 45%,#fff8dc 55%,#C9A94A 70%,#C9A94A 100%);background-size:200% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;animation:subtitle-shimmer 5s linear infinite;filter:drop-shadow(0 2px 8px rgba(0,0,0,0.9)) drop-shadow(0 1px 3px rgba(0,0,0,0.8));}
@keyframes subtitle-shimmer{0%{background-position:200% center;}100%{background-position:-200% center;}}
.hero-btns{display:flex;gap:var(--space-4);flex-wrap:wrap;}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);font-size:var(--text-sm);font-weight:600;letter-spacing:0.1em;text-transform:uppercase;padding:14px 32px;transition:all var(--transition);white-space:nowrap;}
.btn-gold{background:var(--gold);color:var(--navy-deep);}
.btn-gold:hover{background:var(--gold-light);box-shadow:0 6px 24px rgba(201,169,74,0.4);transform:translateY(-2px);}
.btn-outline{background:transparent;color:var(--white);border:2px solid var(--white);}
.btn-outline:hover{background:var(--white);color:var(--navy-deep);transform:translateY(-2px);}
.btn-navy{background:var(--navy-mid);color:var(--white);}
.btn-navy:hover{background:var(--navy);transform:translateY(-2px);box-shadow:var(--shadow-md);}
.btn-black{background:var(--black);color:var(--white);}
.btn-black:hover{background:#333;transform:translateY(-2px);}
.stats-strip{background:var(--gold);padding:var(--space-6) 0;}
.stats-inner{max-width:1280px;margin:0 auto;padding:0 var(--space-6);display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(0,0,0,0.15);}
.stat-item{background:var(--gold);padding:var(--space-6) var(--space-4);text-align:center;}
.stat-number{font-family:var(--font-display);font-size:var(--text-2xl);font-weight:700;color:var(--navy-deep);line-height:1;margin-bottom:4px;}
.stat-label{font-family:var(--font-display);font-size:var(--text-xs);font-weight:500;color:var(--navy-deep);letter-spacing:0.1em;text-transform:uppercase;opacity:0.85;}
.section{padding:clamp(var(--space-12),7vw,var(--space-24)) 0;}
.section-inner{max-width:1280px;margin:0 auto;padding:0 var(--space-6);}
.section-label{display:inline-block;font-family:var(--font-display);font-size:var(--text-xs);font-weight:600;letter-spacing:0.18em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:var(--space-3);padding-bottom:6px;border-bottom:2px solid var(--gold);}
.section-label.white{color:rgba(255,255,255,0.75);border-color:var(--gold);}
.section-title{font-size:var(--text-2xl);font-weight:700;text-transform:uppercase;letter-spacing:0.03em;line-height:1.1;margin-bottom:var(--space-4);}
.section-title.white{color:var(--white);}
.section-title span{color:var(--gold);}
.section-body{font-size:var(--text-base);color:var(--gray-dark);max-width:680px;line-height:1.7;}
.section-body.white{color:rgba(255,255,255,0.85);max-width:720px;}
.divider-gold{width:60px;height:4px;background:var(--gold);margin:var(--space-4) 0 var(--space-6);}
.text-center{text-align:center;}.text-center .section-body{margin:0 auto;}.text-center .divider-gold{margin-left:auto;margin-right:auto;}
.service-boxes{background:var(--white);position:relative;z-index:5;}
.service-boxes-grid{display:grid;grid-template-columns:repeat(3,1fr);}
.service-box{background:var(--navy-mid);padding:var(--space-10) var(--space-8);border-right:1px solid rgba(255,255,255,0.1);transition:background var(--transition);position:relative;overflow:hidden;}
.service-box::before{content:'';position:absolute;bottom:0;left:0;right:0;height:4px;background:var(--gold);transform:scaleX(0);transition:transform var(--transition);}
.service-box:hover{background:var(--navy-deep);}.service-box:hover::before{transform:scaleX(1);}
.service-box-icon{width:52px;height:52px;background:rgba(201,169,74,0.15);border:2px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-4);color:var(--gold);}
.service-box h3{font-size:var(--text-lg);font-weight:600;color:var(--white);text-transform:uppercase;letter-spacing:0.05em;margin-bottom:var(--space-3);}
.service-box p{font-size:var(--text-sm);color:rgba(255,255,255,0.75);line-height:1.65;}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-16);align-items:center;}
.about-img-wrap{position:relative;}
.about-img-wrap img{width:100%;height:500px;object-fit:cover;}
.about-img-badge{position:absolute;bottom:-24px;right:-24px;background:var(--gold);color:var(--navy-deep);padding:var(--space-6);text-align:center;min-width:140px;}
.about-img-badge .badge-num{font-family:var(--font-display);font-size:var(--text-2xl);font-weight:700;line-height:1;display:block;}
.about-img-badge .badge-txt{font-family:var(--font-display);font-size:var(--text-xs);font-weight:600;text-transform:uppercase;letter-spacing:0.08em;}
.about-checks{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-3);margin:var(--space-6) 0;}
.about-check{display:flex;align-items:center;gap:8px;font-size:var(--text-sm);font-weight:600;color:var(--navy);}
.about-check svg{color:var(--gold);flex-shrink:0;}
.loans-bg{background:var(--off-white);}
.loans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-6);margin-top:var(--space-10);}
.loan-card{background:var(--white);border:1px solid var(--gray-light);padding:var(--space-8);transition:box-shadow var(--transition),transform var(--transition),border-color var(--transition);position:relative;overflow:hidden;}
.loan-card::after{content:'';position:absolute;top:0;left:0;width:4px;height:0;background:var(--gold);transition:height var(--transition);}
.loan-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px);border-color:var(--gold);}
.loan-card:hover::after{height:100%;}
.loan-icon{width:56px;height:56px;background:rgba(20,20,176,0.08);display:flex;align-items:center;justify-content:center;color:var(--navy-mid);margin-bottom:var(--space-4);}
.loan-card h3{font-size:var(--text-lg);font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:0.04em;margin-bottom:var(--space-3);}
.loan-card p{font-size:var(--text-sm);color:var(--gray-dark);line-height:1.7;margin-bottom:var(--space-4);}
.loan-meta{display:flex;gap:var(--space-4);flex-wrap:wrap;border-top:1px solid var(--gray-light);padding-top:var(--space-4);}
.loan-meta-item{font-size:var(--text-xs);color:var(--gray);}
.loan-meta-item strong{display:block;font-weight:700;color:var(--navy);font-family:var(--font-display);}
.learn-more{display:inline-flex;align-items:center;gap:6px;font-family:var(--font-display);font-size:var(--text-xs);font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold-dark);margin-top:var(--space-4);transition:gap var(--transition),color var(--transition);}
.learn-more:hover{gap:10px;color:var(--navy);}
.how-bg{background:var(--navy-deep);}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-8);margin-top:var(--space-10);position:relative;}
.steps-grid::before{content:'';position:absolute;top:32px;left:calc(12.5% + 16px);right:calc(12.5% + 16px);height:2px;background:rgba(201,169,74,0.3);z-index:0;}
.step-item{text-align:center;position:relative;z-index:1;}
.step-num{width:64px;height:64px;background:var(--gold);color:var(--navy-deep);font-family:var(--font-display);font-size:var(--text-xl);font-weight:700;display:flex;align-items:center;justify-content:center;margin:0 auto var(--space-4);clip-path:polygon(50% 0%,100% 25%,100% 75%,50% 100%,0% 75%,0% 25%);}
.step-item h3{font-size:var(--text-base);font-weight:600;color:var(--white);text-transform:uppercase;letter-spacing:0.06em;margin-bottom:var(--space-3);}
.step-item p{font-size:var(--text-sm);color:rgba(255,255,255,0.7);line-height:1.6;}
.industries-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-4);margin-top:var(--space-10);}
.industry-card{background:var(--white);border:1px solid var(--gray-light);padding:var(--space-6);text-align:center;transition:all var(--transition);}
.industry-card:hover{background:var(--navy-mid);border-color:var(--navy-mid);transform:translateY(-4px);box-shadow:var(--shadow-md);}
.industry-card:hover h4,.industry-card:hover p{color:var(--white);}
.industry-card:hover .industry-icon{background:rgba(201,169,74,0.2);color:var(--gold);}
.industry-icon{width:52px;height:52px;background:rgba(20,20,176,0.07);color:var(--navy-mid);display:flex;align-items:center;justify-content:center;border-radius:50%;margin:0 auto var(--space-3);transition:all var(--transition);}
.industry-card h4{font-size:var(--text-sm);font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:0.06em;margin-bottom:var(--space-2);transition:color var(--transition);}
.industry-card p{font-size:var(--text-xs);color:var(--gray);line-height:1.5;transition:color var(--transition);}
.cta-banner{background:linear-gradient(135deg,var(--navy-mid) 0%,var(--navy-deep) 100%);padding:clamp(var(--space-12),6vw,var(--space-20)) 0;position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;top:-50%;right:-10%;width:600px;height:600px;background:radial-gradient(circle,rgba(201,169,74,0.08) 0%,transparent 70%);pointer-events:none;}
.referral-boxes{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-8);margin:var(--space-10) 0;}
.referral-box{text-align:center;padding:var(--space-8) var(--space-6);border:1px solid rgba(201,169,74,0.25);background:rgba(255,255,255,0.04);}
.referral-amount{font-family:var(--font-display);font-size:var(--text-3xl);font-weight:700;color:var(--gold);line-height:1;margin-bottom:var(--space-3);}
.referral-box h3{font-size:var(--text-base);font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:var(--space-3);}
.referral-box p{font-size:var(--text-sm);color:rgba(255,255,255,0.7);line-height:1.6;}
.testimonials-bg{background:var(--navy-mid);}
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-6);margin-top:var(--space-10);}
.testimonial-card{background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.1);padding:var(--space-8);position:relative;}
.testimonial-card::before{content:'"';position:absolute;top:-12px;left:var(--space-6);font-family:Georgia,serif;font-size:80px;color:var(--gold);line-height:1;opacity:0.6;}
.testimonial-stars{display:flex;gap:3px;margin-bottom:var(--space-4);color:var(--gold);}
.testimonial-card blockquote{font-size:var(--text-sm);color:rgba(255,255,255,0.85);line-height:1.7;font-style:italic;margin-bottom:var(--space-6);}
.testimonial-author{display:flex;align-items:center;gap:var(--space-3);}
.author-avatar{width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy-deep);font-family:var(--font-display);font-size:var(--text-base);font-weight:700;display:flex;align-items:center;justify-content:center;}
.author-name{font-family:var(--font-display);font-size:var(--text-sm);font-weight:600;color:var(--white);text-transform:uppercase;letter-spacing:0.05em;}
.author-title{font-size:var(--text-xs);color:rgba(255,255,255,0.55);}
.form-section{background:var(--navy-mid);}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-16);align-items:start;}
.form-wrap{background:var(--white);padding:var(--space-10);}
.form-wrap h3{font-size:var(--text-xl);font-weight:700;color:var(--navy);text-transform:uppercase;margin-bottom:var(--space-6);}
.form-wrap h3 span{color:var(--gold-dark);}
.form-group{margin-bottom:var(--space-4);}
.form-group label{display:block;font-family:var(--font-display);font-size:var(--text-xs);font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);margin-bottom:6px;}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:1px solid var(--gray-light);border-radius:0;font-family:var(--font-body);font-size:var(--text-sm);color:var(--black);background:var(--off-white);transition:border-color var(--transition);-webkit-appearance:none;}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--navy-mid);background:var(--white);}
.form-group textarea{resize:vertical;min-height:100px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4);}
.radio-group{display:flex;gap:var(--space-6);align-items:center;}
.radio-group label{display:flex;align-items:center;gap:8px;font-size:var(--text-sm);font-weight:400;letter-spacing:0;text-transform:none;cursor:pointer;color:var(--gray-dark);}
.form-success{display:none;background:#e8f5e9;border:1px solid #4caf50;color:#1b5e20;padding:var(--space-4);text-align:center;margin-top:var(--space-4);font-family:var(--font-display);font-size:var(--text-sm);letter-spacing:0.05em;}
.form-info{padding:var(--space-6) 0;}
.form-info-item{display:flex;align-items:flex-start;gap:var(--space-4);margin-bottom:var(--space-6);}
.form-info-icon{width:44px;height:44px;background:rgba(201,169,74,0.2);color:var(--gold);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.form-info-item h4{font-size:var(--text-sm);font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:0.06em;margin-bottom:4px;}
.form-info-item p{font-size:var(--text-sm);color:rgba(255,255,255,0.7);}
.partners-strip{background:var(--off-white);padding:var(--space-10) 0;border-top:1px solid var(--gray-light);border-bottom:1px solid var(--gray-light);}
.partners-label{text-align:center;font-family:var(--font-display);font-size:var(--text-xs);letter-spacing:0.15em;text-transform:uppercase;color:var(--gray);margin-bottom:var(--space-6);}
.partners-row{display:flex;align-items:center;justify-content:center;gap:var(--space-12);flex-wrap:wrap;}
.partner-logo{font-family:var(--font-display);font-size:var(--text-sm);font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--gray);opacity:0.6;transition:opacity var(--transition);}
.partner-logo:hover{opacity:1;}
.footer{background:var(--navy-deep);padding:var(--space-16) 0 0;}
.footer-grid{max-width:1280px;margin:0 auto;padding:0 var(--space-6) var(--space-12);display:grid;grid-template-columns:2fr 1.5fr 1.5fr 1.5fr;gap:var(--space-10);}
.footer-brand .footer-logo{display:flex;align-items:center;gap:var(--space-3);margin-bottom:var(--space-4);}
.footer-brand .footer-logo-text{font-family:var(--font-display);font-size:1.1rem;font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:0.04em;}
.footer-brand p{font-size:var(--text-sm);color:rgba(255,255,255,0.6);line-height:1.7;margin-bottom:var(--space-6);}
.footer-social{display:flex;gap:var(--space-3);}
.footer-social a{width:36px;height:36px;background:rgba(255,255,255,0.08);color:rgba(255,255,255,0.7);display:flex;align-items:center;justify-content:center;border-radius:50%;transition:background var(--transition),color var(--transition);}
.footer-social a:hover{background:var(--gold);color:var(--navy-deep);}
.footer-col h4{font-size:var(--text-sm);font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:0.12em;margin-bottom:var(--space-6);padding-bottom:var(--space-3);border-bottom:1px solid rgba(201,169,74,0.3);}
.footer-col ul{display:flex;flex-direction:column;gap:var(--space-3);}
.footer-col ul a{font-size:var(--text-sm);color:rgba(255,255,255,0.65);transition:color var(--transition),padding-left var(--transition);display:flex;align-items:center;gap:6px;}
.footer-col ul a::before{content:'›';color:var(--gold);font-size:1rem;}
.footer-col ul a:hover{color:var(--white);padding-left:4px;}
.footer-contact-item{display:flex;align-items:flex-start;gap:var(--space-3);margin-bottom:var(--space-4);}
.footer-contact-item svg{color:var(--gold);flex-shrink:0;margin-top:2px;}
.footer-contact-item span{font-size:var(--text-sm);color:rgba(255,255,255,0.7);line-height:1.5;}
.footer-newsletter-form{display:flex;margin-top:var(--space-4);}
.footer-newsletter-form input{flex:1;padding:10px 14px;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);border-right:none;color:var(--white);font-family:var(--font-body);font-size:var(--text-sm);}
.footer-newsletter-form input::placeholder{color:rgba(255,255,255,0.4);}
.footer-newsletter-form input:focus{outline:none;background:rgba(255,255,255,0.15);}
.footer-newsletter-form button{background:var(--gold);color:var(--navy-deep);font-family:var(--font-display);font-size:var(--text-xs);font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:10px 16px;transition:background var(--transition);white-space:nowrap;}
.footer-newsletter-form button:hover{background:var(--gold-light);}
.footer-bottom{background:rgba(0,0,0,0.3);padding:var(--space-4) 0;}
.footer-bottom-inner{max-width:1280px;margin:0 auto;padding:0 var(--space-6);display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:var(--space-4);}
.footer-bottom p{font-size:var(--text-xs);color:rgba(255,255,255,0.5);}
.footer-bottom-links{display:flex;gap:var(--space-6);}
.footer-bottom-links a{font-size:var(--text-xs);color:rgba(255,255,255,0.5);transition:color var(--transition);}
.footer-bottom-links a:hover{color:var(--gold);}
.member-badge{display:inline-flex;align-items:center;gap:var(--space-3);background:rgba(255,255,255,0.06);border:1px solid rgba(201,169,74,0.3);padding:10px 16px;margin-top:var(--space-4);}
.member-badge svg{color:var(--gold);}
.member-badge span{font-family:var(--font-display);font-size:var(--text-xs);font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:rgba(255,255,255,0.75);}
.scroll-top{position:fixed;bottom:32px;right:32px;width:44px;height:44px;background:var(--gold);color:var(--navy-deep);display:flex;align-items:center;justify-content:center;cursor:pointer;z-index:999;opacity:0;pointer-events:none;transition:opacity var(--transition),transform var(--transition);box-shadow:var(--shadow-md);}
.scroll-top.visible{opacity:1;pointer-events:auto;}.scroll-top:hover{transform:translateY(-4px);}
.page-banner{position:relative;height:280px;display:flex;align-items:center;overflow:hidden;background:var(--navy-deep);}
.page-banner-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:0.35;}
.page-banner-content{position:relative;z-index:2;max-width:1280px;margin:0 auto;padding:0 var(--space-6);}
.page-banner h1{font-size:var(--text-2xl);font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:0.05em;margin-bottom:var(--space-3);}
.breadcrumb{display:flex;align-items:center;gap:var(--space-2);font-size:var(--text-xs);color:rgba(255,255,255,0.6);}
.breadcrumb a{color:var(--gold);}
.fade-up{opacity:0;transform:translateY(28px);transition:opacity 0.6s cubic-bezier(0.16,1,0.3,1),transform 0.6s cubic-bezier(0.16,1,0.3,1);}
.fade-up.visible{opacity:1;transform:translateY(0);}
.fade-up.delay-1{transition-delay:0.1s;}.fade-up.delay-2{transition-delay:0.2s;}.fade-up.delay-3{transition-delay:0.3s;}.fade-up.delay-4{transition-delay:0.4s;}.fade-up.delay-5{transition-delay:0.5s;}
@media(max-width:1024px){.loans-grid{grid-template-columns:repeat(2,1fr);}.industries-grid{grid-template-columns:repeat(2,1fr);}.footer-grid{grid-template-columns:1fr 1fr;}.steps-grid{grid-template-columns:repeat(2,1fr);}.steps-grid::before{display:none;}.stats-inner{grid-template-columns:repeat(2,1fr);}}
@media(max-width:768px){.top-bar{display:none;}.nav-menu{display:none;flex-direction:column;align-items:stretch;position:absolute;top:72px;left:0;right:0;background:var(--navy-deep);padding:var(--space-4);gap:0;border-top:2px solid var(--gold);}.nav-menu.open{display:flex;}.nav-link{padding:12px 16px;border-bottom:1px solid rgba(255,255,255,0.07);}.nav-link::after{display:none;}.nav-hamburger{display:flex;}.nav-inner{position:relative;}.hero{height:70vh;min-height:480px;}.hero h1{font-size:clamp(2rem,6vw,3rem);}.service-boxes-grid{grid-template-columns:1fr;}.about-grid{grid-template-columns:1fr;gap:var(--space-8);}.about-img-badge{right:0;bottom:0;}.loans-grid{grid-template-columns:1fr;}.testimonials-grid{grid-template-columns:1fr;}.industries-grid{grid-template-columns:1fr 1fr;}.steps-grid{grid-template-columns:1fr 1fr;}.referral-boxes{grid-template-columns:1fr;}.form-grid{grid-template-columns:1fr;}.footer-grid{grid-template-columns:1fr;}.stats-inner{grid-template-columns:repeat(2,1fr);}.hero-btns{flex-direction:column;align-items:flex-start;}.about-checks{grid-template-columns:1fr;}.form-row{grid-template-columns:1fr;}}
@media(max-width:480px){.industries-grid{grid-template-columns:1fr;}.stats-inner{grid-template-columns:1fr 1fr;}}