:root{
    --porcelain:#0C120F;
    --paper:#141C17;
    --ink:#EAF0EB;
    --vault:#175339;
    --vault-deep:#0F3A27;
    --signal:#ECA53B;
    --signal-deep:#D08E21;
    --mist:#28352D;
    --slate:#9AABA0;
    --ok:#4CC98A;
    --err:#F0837B;
    --display:'Bricolage Grotesque', 'Helvetica Neue', Arial, sans-serif;
    --body:'IBM Plex Sans', 'Segoe UI', system-ui, sans-serif;
    --radius:14px;
    --maxw:1180px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto} *{transition:none!important;animation:none!important}}
  body{font-family:var(--body);color:var(--ink);background:var(--porcelain);line-height:1.55;font-size:17px;-webkit-font-smoothing:antialiased}
  a{color:inherit}
  img,svg{display:block}
  h1,h2,h3{font-family:var(--display);line-height:1.05;letter-spacing:-0.02em;font-weight:700}
  h1{font-size:clamp(2.6rem,6.2vw,5.4rem);font-weight:800;letter-spacing:-0.035em}
  h2{font-size:clamp(1.9rem,3.6vw,2.9rem);max-width:22ch}
  h3{font-size:1.25rem;font-weight:600}
  p{max-width:62ch}
  .wrap{width:min(var(--maxw),calc(100% - 2.5rem));margin-inline:auto}
  section{padding-block:clamp(4rem,9vw,7.5rem)}
  .lede{font-size:1.15rem;color:var(--slate);max-width:56ch}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;gap:.6rem;padding:.9rem 1.5rem;border-radius:999px;font-family:var(--display);font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .15s}
  .btn:focus-visible{outline:3px solid var(--signal);outline-offset:3px}
  .btn-primary{background:var(--signal);color:#1A1206}
  .btn-primary:hover{background:var(--signal-deep)}
  .btn-primary:active{transform:translateY(1px)}
  .btn-ghost{background:transparent;color:var(--ink);border-color:var(--slate)}
  .btn-ghost:hover{background:var(--paper)}
  .btn-lg{padding:1.1rem 2rem;font-size:1.1rem}

  /* Nav */
  header{position:sticky;top:0;z-index:20;background:rgba(12,18,15,.86);backdrop-filter:blur(10px);border-bottom:1px solid var(--mist)}
  nav{display:flex;align-items:center;justify-content:space-between;height:72px}
  .brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;font-family:var(--display);font-weight:800;font-size:1.05rem;letter-spacing:-0.02em;line-height:1.1}
  .brand .mark{width:36px;height:36px;border-radius:9px;background:var(--vault);position:relative;flex:none}
  .brand .mark::before{content:"";position:absolute;left:9px;top:8px;width:9px;height:20px;border-left:3.5px solid #fff;border-top:3.5px solid #fff;border-right:3.5px solid #fff;border-radius:0 8px 8px 0;height:11px;width:11px}
  .brand .mark::after{content:"";position:absolute;right:7px;bottom:7px;width:8px;height:8px;border-radius:50%;background:var(--signal)}
  .navlinks{display:flex;align-items:center;gap:1.6rem;font-weight:500;font-size:.95rem}
  .navlinks a{text-decoration:none;color:var(--slate)}
  .navlinks a:hover{color:var(--ink)}
  @media (max-width:760px){.navlinks a:not(.btn){display:none}}

  /* Hero */
  .hero{padding-block:clamp(3.5rem,8vw,6.5rem) clamp(3rem,6vw,5rem)}
  .hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,5vw,5rem);align-items:center}
  @media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
  .hero h1{max-width:12ch}
  .hero .lede{margin-top:1.4rem}
  .hero .cta{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:2.2rem;align-items:center}
  .hero .volume{margin-top:2rem;font-family:var(--display);font-weight:700;font-size:1.25rem;color:var(--vault);letter-spacing:-0.01em}
  .hero .fine{font-size:.9rem;color:var(--slate);margin-top:.4rem}

  /* Signature: the decline ledger */
  .ledger{background:var(--paper);border:1px solid var(--mist);border-radius:var(--radius);padding:1.6rem 1.8rem;box-shadow:0 30px 60px -40px rgba(0,0,0,.8)}
  .ledger-title{font-family:var(--display);font-weight:600;font-size:.95rem;color:var(--slate);padding-bottom:.9rem;border-bottom:1px solid var(--mist)}
  .ledger ul{list-style:none}
  .ledger li{display:flex;justify-content:space-between;align-items:center;padding:.75rem 0;border-bottom:1px dashed var(--mist);font-family:var(--display);font-size:1.15rem;font-weight:600}
  .ledger li .status{font-family:var(--body);font-size:.82rem;font-weight:600;padding:.25rem .65rem;border-radius:999px}
  .ledger li.declined .name{text-decoration:line-through;text-decoration-color:var(--err);text-decoration-thickness:2px;color:var(--slate)}
  .ledger li.declined .status{background:rgba(240,131,123,.14);color:var(--err)}
  .ledger li.approved{border-bottom:0;padding-top:1rem}
  .ledger li.approved .name{color:var(--ok)}
  .ledger li.approved .status{background:rgba(76,201,138,.16);color:var(--ok)}
  .ledger li.approved{animation:stamp .5s cubic-bezier(.2,1.4,.4,1) .9s both}
  @keyframes stamp{from{opacity:0;transform:scale(1.15)}to{opacity:1;transform:scale(1)}}

  /* Approved merchant types */
  .band{background:var(--paper);border-top:1px solid var(--mist);border-bottom:1px solid var(--mist)}
  .split{display:grid;grid-template-columns:1fr 1.4fr;gap:clamp(2rem,5vw,5rem);align-items:start}
  @media (max-width:860px){.split{grid-template-columns:1fr}}
  .merchants{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:.9rem 2rem}
  @media (max-width:560px){.merchants{grid-template-columns:1fr}}
  .merchants li{padding:1rem 0 1rem 1.1rem;border-left:3px solid var(--ok);}
  .merchants li strong{display:block;font-family:var(--display);font-size:1.1rem;font-weight:600}
  .merchants li span{color:var(--slate);font-size:.95rem}

  /* What you get */
  .facts{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:3rem}
  @media (max-width:860px){.facts{grid-template-columns:1fr}}
  .fact{padding:1.6rem;border-radius:var(--radius);background:var(--paper);border:1px solid var(--mist)}
  .fact h3{margin-bottom:.5rem}
  .fact p{color:var(--slate);font-size:.98rem}
  .fact.accent{background:var(--vault);color:#fff;border-color:var(--vault)}
  .fact.accent p{color:#D2E4D9}

  /* Process (genuine sequence) */
  .steps{counter-reset:step;list-style:none;margin-top:3rem;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
  @media (max-width:860px){.steps{grid-template-columns:1fr}}
  .steps li{counter-increment:step;position:relative;padding-top:3.4rem}
  .steps li::before{content:counter(step);position:absolute;top:0;left:0;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--signal);color:#1A1206;font-family:var(--display);font-weight:800;display:grid;place-items:center;font-size:1.05rem}
  .steps h3{margin-bottom:.4rem}
  .steps p{color:var(--slate);font-size:.98rem}
  .steps .time{display:block;margin-top:.6rem;font-weight:600;color:var(--ok);font-size:.9rem}

  /* Underwriting checklist */
  .checklist{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:.8rem 2rem;margin-top:1.6rem}
  @media (max-width:640px){.checklist{grid-template-columns:1fr}}
  .checklist li{display:flex;gap:.7rem;align-items:flex-start;font-size:.98rem}
  .checklist li::before{content:"";flex:none;width:18px;height:18px;margin-top:.25rem;border-radius:50%;background:var(--ok);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.4-4-4 1.6-1.6 2.4 2.4 5.2-5.2 1.6 1.6z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.4-4-4 1.6-1.6 2.4 2.4 5.2-5.2 1.6 1.6z'/%3E%3C/svg%3E") center/contain no-repeat}

  /* Application */
  .apply{background:var(--vault-deep);color:#fff}
  .apply h2{color:#fff;max-width:18ch}
  .apply .lede{color:#C6DACD}
  .apply-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(2rem,5vw,5rem);align-items:start}
  @media (max-width:900px){.apply-grid{grid-template-columns:1fr}}
  .apply aside ul{list-style:none;margin-top:1.8rem;display:grid;gap:1rem;color:#C6DACD;font-size:.98rem}
  .apply aside li strong{color:#fff;display:block;font-family:var(--display);font-weight:600;font-size:1.05rem}
  .apply aside .contact{margin-top:2.2rem;padding-top:1.6rem;border-top:1px solid rgba(255,255,255,.18);font-size:.95rem;color:#C6DACD}
  .apply aside .contact a{color:#fff}

  form.intake{background:var(--paper);border:1px solid var(--mist);color:var(--ink);border-radius:var(--radius);padding:clamp(1.4rem,3vw,2.4rem);display:grid;gap:1.6rem}
  fieldset{border:0;display:grid;gap:1rem}
  legend{font-family:var(--display);font-weight:700;font-size:1.2rem;padding-bottom:.6rem;width:100%;border-bottom:1px solid var(--mist);margin-bottom:1rem}
  .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
  @media (max-width:600px){.row{grid-template-columns:1fr}}
  .field{display:grid;gap:.35rem}
  .field label{font-weight:600;font-size:.92rem}
  .field label small{font-weight:400;color:var(--slate)}
  .field input,.field select,.field textarea{font:inherit;font-size:1rem;padding:.75rem .9rem;border:1.5px solid var(--mist);border-radius:9px;background:var(--porcelain);color:var(--ink);width:100%}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--vault);box-shadow:0 0 0 3px rgba(76,201,138,.22)}
  .field textarea{min-height:110px;resize:vertical}
  .field input:user-invalid,.field select:user-invalid{border-color:var(--err)}
  .hint{font-size:.85rem;color:var(--slate)}

  .segmented{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem;background:var(--porcelain);padding:.4rem;border-radius:12px}
  @media (max-width:520px){.segmented{grid-template-columns:1fr}}
  .segmented label{position:relative;cursor:pointer}
  .segmented input{position:absolute;inset:0;opacity:0}
  .segmented span{display:block;text-align:center;padding:.75rem .5rem;border-radius:9px;font-family:var(--display);font-weight:600;font-size:.95rem;color:var(--slate);transition:background .15s,color .15s}
  .segmented input:checked + span{background:var(--ok);color:#0B2416}
  .segmented input:focus-visible + span{outline:3px solid var(--signal);outline-offset:2px}

  .choices{display:grid;gap:.5rem}
  .choices label{display:flex;gap:.7rem;align-items:center;padding:.7rem .9rem;border:1.5px solid var(--mist);border-radius:9px;cursor:pointer;font-size:.97rem}
  .choices label:has(input:checked){border-color:var(--ok);background:rgba(76,201,138,.08)}
  .choices input{accent-color:var(--vault);width:18px;height:18px;flex:none}

  .reveal{display:none}
  .reveal.on{display:grid}
  .brand-only,.partner-only{display:contents}
  form[data-type="individual"] .brand-only,form[data-type="partner"] .brand-only{display:none}
  form:not([data-type="partner"]) .partner-only{display:none}

  .consent{display:flex;gap:.7rem;align-items:flex-start;font-size:.9rem;color:var(--slate)}
  .consent input{margin-top:.3rem;accent-color:var(--vault);width:18px;height:18px;flex:none}
  .submit-row{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between}
  .honey{position:absolute;left:-9999px}

  .form-status{display:none;padding:1rem 1.1rem;border-radius:10px;font-size:.98rem}
  .form-status.ok{display:block;background:rgba(76,201,138,.16);color:var(--ok)}
  .form-status.err{display:block;background:rgba(240,131,123,.14);color:var(--err)}
  .success{display:none;text-align:left;padding:1rem 0}
  .success h3{font-size:1.7rem;margin-bottom:.6rem}
  .success p{color:var(--slate)}

  /* FAQ */
  .faq{max-width:760px;margin-top:2.5rem}
  details{border-top:1px solid var(--mist)}
  details:last-child{border-bottom:1px solid var(--mist)}
  summary{cursor:pointer;list-style:none;padding:1.2rem 0;font-family:var(--display);font-weight:600;font-size:1.15rem;display:flex;justify-content:space-between;gap:1rem;align-items:center}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+";font-weight:400;font-size:1.6rem;color:var(--signal);transition:transform .2s}
  details[open] summary::after{transform:rotate(45deg)}
  details p{padding:0 0 1.3rem;color:var(--slate)}

  /* Footer */
  footer{padding:3rem 0 2.5rem;border-top:1px solid var(--mist);color:var(--slate);font-size:.9rem}
  .foot{display:flex;flex-wrap:wrap;gap:1.5rem 3rem;justify-content:space-between;align-items:flex-start}
  .foot p{max-width:70ch}
  .foot a{color:var(--ink)}
  .foot nav{height:auto;gap:.6rem 1.2rem;display:flex;flex-wrap:wrap}

  /* Header phone + pre-qualifier (conversion upgrade, Oct 2026) */
  .navlinks a.phone{font-family:var(--display);font-weight:700;color:var(--vault);white-space:nowrap}
  @media (max-width:760px){
    nav{gap:.6rem}
    .brand{font-size:.9rem}
    .navlinks{gap:.7rem}
    .navlinks a.phone{display:inline-flex;font-size:.9rem}
    .navlinks .btn{padding:.65rem .9rem;font-size:.9rem}
  }
  .prequal{background:var(--paper);border-top:1px solid var(--mist);border-bottom:1px solid var(--mist);padding-block:clamp(3rem,6vw,5rem)}
  .prequal-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,4vw,4rem);align-items:start}
  @media (max-width:900px){.prequal-grid{grid-template-columns:1fr}}
  .prequal-points{list-style:none;margin-top:1.6rem;display:grid;gap:.6rem;color:var(--slate);font-size:.98rem}
  .prequal-points li{display:flex;gap:.7rem;align-items:flex-start}
  .prequal-points li::before{content:"";flex:none;width:18px;height:18px;margin-top:.25rem;border-radius:50%;background:var(--ok);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.4-4-4 1.6-1.6 2.4 2.4 5.2-5.2 1.6 1.6z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.4-4-4 1.6-1.6 2.4 2.4 5.2-5.2 1.6 1.6z'/%3E%3C/svg%3E") center/contain no-repeat}
  form.prequal-form{display:grid;gap:1rem;background:var(--porcelain);border:1px solid var(--mist);border-radius:var(--radius);padding:clamp(1.2rem,3vw,1.8rem)}
  form.prequal-form .field input,form.prequal-form .field select{background:#fff}
  .prequal-result{display:none;background:var(--porcelain);border:1px solid var(--mist);border-left:5px solid var(--ok);border-radius:var(--radius);padding:clamp(1.2rem,3vw,1.8rem)}
  .prequal-result.on{display:block}
  .prequal-result h3{font-size:1.5rem;margin-bottom:.6rem}
  .prequal-result p{color:var(--slate)}
  .prequal-result p+p{margin-top:.8rem}
  .prequal-result a{color:var(--vault);font-weight:600}
  /* Inner pages */
  .page-hero{padding-block:clamp(3rem,7vw,5.5rem) clamp(2rem,4vw,3rem)}
  .page-hero h1{font-size:clamp(2.2rem,5vw,4rem);max-width:18ch}
  .page-hero .lede{margin-top:1.2rem}
  .page-hero .crumbs{font-size:.9rem;color:var(--slate);margin-bottom:1.2rem}
  .page-hero .crumbs a{color:var(--slate)}
  .prose{max-width:720px}
  .prose h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-top:3rem;max-width:none}
  .prose h2:first-child{margin-top:0}
  .prose p,.prose li{color:var(--ink)}
  .prose p+p{margin-top:1rem}
  .prose ol,.prose ul{margin:1rem 0 0 1.3rem;display:grid;gap:.7rem}
  .prose a{color:var(--vault)}
  .steps-long{list-style:none;margin:1.4rem 0 0;display:grid;gap:1.2rem;counter-reset:n}
  .steps-long li{counter-increment:n;position:relative;padding:1.3rem 1.4rem 1.3rem 4rem;background:var(--paper);border:1px solid var(--mist);border-radius:var(--radius)}
  .steps-long li::before{content:counter(n);position:absolute;left:1.2rem;top:1.25rem;width:2rem;height:2rem;border-radius:50%;background:var(--vault);color:#fff;font-family:var(--display);font-weight:800;display:grid;place-items:center;font-size:.95rem}
  .steps-long strong{display:block;font-family:var(--display);font-weight:600;font-size:1.1rem;margin-bottom:.3rem}
  .steps-long p{color:var(--slate);font-size:.98rem}
  .cta-band{background:var(--vault);color:#fff}
  .cta-band h2{color:#fff}
  .cta-band p{color:#C8D3EC}
  .cta-band .btn-ghost{color:#fff;border-color:#fff}
  .cta-band .btn-ghost:hover{background:rgba(255,255,255,.12)}
  @media print{header,footer,.cta-band,#exit-intent{display:none!important} body{background:#fff} .steps-long li{break-inside:avoid}}
  /* Blog (Oct 2026) */
  .post-meta{margin-top:1rem;font-size:.92rem;color:var(--slate)}
  .article{max-width:65ch;overflow-wrap:break-word}
  .article p{max-width:none}
  .article h2{margin-top:2.6rem}
  .article h3{margin-top:1.8rem;font-size:1.2rem}
  .article h2+p,.article h3+p{margin-top:.8rem}
  .article ul+p,.article ol+p,.article .table-wrap+p{margin-top:1rem}
  .article a{text-underline-offset:2px}
  .article .faq{margin-top:1.2rem}
  .post-cta{margin-top:2.4rem;padding:1.2rem 1.4rem;background:var(--paper);border:1px solid var(--mist);border-left:4px solid var(--signal);border-radius:var(--radius)}
  .article .post-note{margin-top:2.4rem;padding-top:1.2rem;border-top:1px solid var(--mist);font-size:.9rem;color:var(--slate)}
  .related h2{font-size:1.3rem;margin-top:2.4rem}
  .article .related ul{list-style:none;margin-left:0;gap:.5rem}
  .table-wrap{overflow-x:auto;margin-top:1rem}
  .article table{width:100%;border-collapse:collapse;font-size:.95rem}
  .article th,.article td{text-align:left;vertical-align:top;padding:.6rem .7rem;border-bottom:1px solid var(--mist)}
  .article th{font-family:var(--display);font-weight:600}
  .post-list{list-style:none;display:grid;gap:1.2rem;max-width:760px}
  .post-card{background:var(--paper);border:1px solid var(--mist);border-radius:var(--radius);padding:1.4rem 1.5rem}
  .post-card time{display:block;font-size:.88rem;color:var(--slate);margin-bottom:.5rem}
  .post-card h2{font-size:clamp(1.3rem,2.4vw,1.6rem);max-width:none;overflow-wrap:break-word}
  .post-card h2 a{text-decoration:none}
  .post-card h2 a:hover{text-decoration:underline}
  .post-card p{margin-top:.6rem;color:var(--slate)}
  .post-card .more{display:inline-block;margin-top:.8rem;font-weight:600;color:var(--vault)}
  .hub-more{margin-top:2rem;color:var(--slate)}
  .hub-more a{color:var(--vault)}
  .article a,.post-card .more,.hub-more a{color:var(--ok)}
  /* Very small phones (<=360px): keep logo, phone and Apply button on one row without sideways scroll */
  @media (max-width:360px){
    .wrap{width:calc(100% - 2rem)}
    nav{gap:.4rem}
    .brand{font-size:.78rem;gap:.45rem}
    .navlinks{gap:.45rem}
    .navlinks a.phone{font-size:.8rem}
    .navlinks .btn{padding:.55rem .7rem;font-size:.8rem}
  }