/* Advance Cash Credit — bank-grade design system */
:root{
  --navy:#0b2545; --navy-800:#0c2a4d; --navy-700:#123a66; --navy-600:#1c4a80;
  /* brand accent (logo green #92c544) — variable names kept from the original gold theme */
  --gold:#92c544; --gold-d:#55801c; --gold-l:#b8e07f;
  --ink:#16232e; --muted:#5b6b7a; --bg:#f6f8fb; --card:#ffffff;
  --line:#e5ebf1; --line-2:#d7e0ea; --ok:#1f7a53;
  --wrap:1160px; --radius:12px; --shadow:0 12px 34px rgba(11,37,69,.09); --shadow-s:0 4px 14px rgba(11,37,69,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
.skip{position:absolute;left:-9999px;top:0;z-index:100;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;font-weight:600}
.skip:focus{left:0}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:"Lora","Georgia",serif;color:var(--navy);line-height:1.18;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2rem,4.4vw,3rem)}
h2{font-size:clamp(1.55rem,3.1vw,2.15rem)}
h3{font-size:1.22rem}
p{margin:0 0 1em}
a{color:var(--navy-700);text-decoration:none}
img{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.eyebrow{color:var(--gold-d);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;font-family:"Inter",sans-serif}
.lead{font-size:1.12rem;color:var(--muted)}
.center{text-align:center;max-width:720px;margin:0 auto 44px}
section{padding:72px 0}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:.85rem 1.6rem;border-radius:8px;font-weight:600;
  cursor:pointer;border:1.5px solid transparent;transition:.15s;font-family:inherit;font-size:.98rem}
.btn-gold{background:var(--gold);color:#132200}.btn-gold:hover{background:var(--gold-d);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-700)}
.btn-ghost{background:transparent;border-color:#ffffff5c;color:#fff}.btn-ghost:hover{background:#ffffff17}
.btn-out{background:#fff;border-color:var(--line-2);color:var(--navy)}.btn-out:hover{border-color:var(--gold)}
.ico{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* Utility bar */
.util{background:var(--navy);color:#c9d8ea;font-size:.83rem}
.util .wrap{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:8px 22px;flex-wrap:wrap}
.util strong{color:#fff}.util a{color:#fff;font-weight:600}

/* Header */
header{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-s)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 22px}
.logo{display:flex;align-items:center;gap:11px}
.logo .logo-img{height:40px;width:auto;flex:none}
.logo .wm{font-family:"Lora",serif;font-weight:700;color:var(--navy);font-size:1.16rem;line-height:1.05}
.logo .wm small{display:block;font-family:"Inter",sans-serif;font-size:.6rem;letter-spacing:.16em;color:var(--muted);font-weight:600}
.menu{display:flex;align-items:center;gap:26px}
.menu>a,.drop>button{font-family:"Inter",sans-serif;color:var(--ink);font-weight:500;font-size:.95rem;background:none;border:0;cursor:pointer;padding:6px 0;position:relative}
.menu>a:hover,.drop>button:hover,.menu>a.active{color:var(--navy-700)}
.menu>a.active:after,.drop>button.active:after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold)}
.drop>button.active{color:var(--navy-700)}
.drop{position:relative}
.drop>button{display:flex;align-items:center;gap:5px}
.drop-menu{position:absolute;top:130%;left:-14px;background:#fff;border:1px solid var(--line);border-radius:10px;
  box-shadow:var(--shadow);padding:8px;min-width:210px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.16s}
.drop:hover .drop-menu,.drop:focus-within .drop-menu,.drop.open .drop-menu{opacity:1;visibility:visible;transform:none}
.drop-menu a{display:block;padding:9px 12px;border-radius:7px;color:var(--ink);font-size:.92rem}
.drop-menu a:hover{background:var(--bg);color:var(--navy-700)}
.nav-cta{display:flex;align-items:center;gap:10px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px;margin:-4px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* Hero */
.hero{background:linear-gradient(155deg,#0a2143 0%,#0c2a4d 55%,#143b6b 100%);color:#e9f0f9;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 20%,#92c54422,transparent 45%)}
.hero .wrap{position:relative}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:26px 0}
.hero h1{color:#fff}
.hero p{color:#cfe0f2;font-size:1.15rem;max-width:36rem}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero .assur{display:flex;gap:22px;flex-wrap:wrap;margin-top:26px;font-size:.86rem;color:#bcd2ea}
.hero .assur span{display:flex;align-items:center;gap:7px}
.hero-art{display:flex;justify-content:center}

/* page hero (interior) */
.phero{background:linear-gradient(155deg,#0a2143,#123a66);color:#eaf1f9}
.phero .wrap{padding:20px 22px}
.phero .crumb{font-size:.82rem;color:#a9c4e0;margin-bottom:10px}
.phero .crumb a{color:#cfe0f2}
.phero h1{color:#fff;margin:0}
.phero p{color:#cfe0f2;max-width:40rem;margin-top:10px}

/* Trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:30px 22px}
.trust .item{display:flex;gap:12px;align-items:center;justify-content:center;text-align:left}
.trust .n{font-family:"Lora",serif;font-size:1.5rem;color:var(--navy);font-weight:700;line-height:1}
.trust .l{font-size:.82rem;color:var(--muted)}
.trust .ic{width:40px;height:40px;border-radius:10px;background:#eef3f9;color:var(--navy-700);display:grid;place-items:center;flex:none}

/* cards / grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-s);transition:.18s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card .badge-ic{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,#0c2a4d,#1c4a80);color:var(--gold-l);display:grid;place-items:center;margin-bottom:14px}
.card h3{margin-bottom:.4em}
.card .arrow{color:var(--gold-d);font-weight:600;font-size:.92rem;display:inline-flex;align-items:center;gap:6px;margin-top:6px}
.feature{display:flex;gap:14px}
.feature .fic{width:44px;height:44px;border-radius:10px;background:#eef3f9;color:var(--navy-700);display:grid;place-items:center;flex:none}
.feature h3{font-family:"Inter",sans-serif;font-size:1.02rem;font-weight:600;margin-bottom:.2em}
.feature p{font-size:.94rem;color:var(--muted);margin:0}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.step .num{counter-increment:s;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold-l);
  font-family:"Lora",serif;font-weight:700;display:grid;place-items:center;margin-bottom:12px}
.step .num:before{content:counter(s)}
.step h3{font-family:"Inter",sans-serif;font-size:1.02rem}

/* CTA band */
.band{background:linear-gradient(155deg,#0c2a4d,#143b6b);color:#eaf1f9;border-radius:16px;padding:44px;text-align:center}
.band h2{color:#fff}
.band p{color:#cfe0f2;max-width:40rem;margin:0 auto 22px}

/* calculator */
.calc{background:linear-gradient(160deg,#0c2a4d,#143b6b);color:#eaf1f9;border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.calc h3{color:#fff}
.calc label{color:#cfe0f2;font-size:.85rem;font-weight:600;display:block;margin-bottom:6px}
.calc input{width:100%;padding:.66rem .7rem;border-radius:8px;border:0;font:inherit}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc .out{background:#ffffff12;border:1px solid #ffffff2b;border-radius:10px;padding:16px;margin-top:16px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.calc .out .big{font-family:"Lora",serif;font-size:1.6rem;font-weight:700;color:var(--gold-l)}

/* eligibility list */
.ticks{list-style:none;padding:0;margin:0}
.ticks li{padding:8px 0 8px 30px;position:relative;border-bottom:1px solid var(--line)}
.ticks li:before{content:"";position:absolute;left:0;top:13px;width:16px;height:16px;border-radius:50%;
  background:var(--gold);}
.ticks li:after{content:"";position:absolute;left:5px;top:16px;width:5px;height:8px;border:2px solid #fff;border-top:0;border-left:0;transform:rotate(45deg)}

/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-s)}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.85rem;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;padding:.72rem .8rem;border:1px solid var(--line-2);border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--navy-600);border-color:var(--navy-600)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fsec{font-family:"Lora",serif;font-weight:600;color:var(--navy);margin:22px 0 12px;padding-top:16px;border-top:1px solid var(--line);font-size:1.05rem}
.fsec.first{margin-top:0;padding-top:0;border-top:0}
.opt{font-weight:400;color:var(--muted);font-size:.82rem;font-family:"Inter",sans-serif}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted)}
.check input{width:auto;margin-top:4px}
.form-note{background:#fbf6e7;border:1px solid #ecdca8;border-radius:9px;padding:11px 14px;font-size:.82rem;color:#6b551d;margin-bottom:16px}
.success{display:none;background:#e8f6ee;border:1px solid #b7e2c8;color:#14663f;border-radius:9px;padding:14px;font-weight:600;margin-bottom:14px}
.disclaimer{font-size:.78rem;color:var(--muted)}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:17px 0;list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center;font-family:"Lora",serif;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:1.4rem;color:var(--gold-d)}
.faq details[open] summary:after{content:"\2013"}
.faq details[open]{padding-bottom:10px}

/* contact */
.info-list{list-style:none;padding:0;margin:0}
.info-list li{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid var(--line)}
.info-list .ic{width:40px;height:40px;border-radius:10px;background:#eef3f9;color:var(--navy-700);display:grid;place-items:center;flex:none}

/* footer */
footer{background:#081b34;color:#a9c0da;font-size:.92rem}
footer .wrap{padding:52px 22px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px;margin-bottom:30px}
footer h4{color:#fff;font-family:"Inter",sans-serif;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin:0 0 12px}
footer a{color:#cfe0f2;display:block;padding:3px 0}
.foot-brand .wm{font-family:"Lora",serif;color:#fff;font-size:1.15rem}
.badge{display:inline-block;background:#ffffff12;border:1px solid #ffffff2b;border-radius:7px;padding:4px 10px;font-weight:600;color:#fff;font-size:.8rem;margin-bottom:12px}
.legal{border-top:1px solid #ffffff1f;padding-top:22px;font-size:.8rem;color:#8ca6c3}
.legal .caps{background:#ffffff0d;border:1px solid #ffffff1a;border-radius:10px;padding:14px;margin:0 0 14px}

@media(max-width:920px){
  .hero .grid,.grid-3,.grid-2,.steps,.trust .wrap,.foot-grid,.calc .row,.row2{grid-template-columns:1fr}
  .trust .wrap{grid-template-columns:1fr 1fr}
  .hero-art{display:none}
  .menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;
    gap:0;border-bottom:1px solid var(--line);padding:8px 22px;box-shadow:var(--shadow)}
  .menu.open{display:flex}
  .menu>a,.drop{padding:12px 0;border-bottom:1px solid var(--line)}
  .drop-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:6px 0 0 12px;min-width:0}
  .burger{display:block}
  .foot-grid{grid-template-columns:1fr 1fr}
  .menu>a,.drop>button{font-size:1rem;width:100%;text-align:left}
}

/* small phones */
@media(max-width:560px){
  section{padding:52px 0}
  .wrap{padding:0 16px}
  .nav{gap:8px;padding:10px 14px}
  .logo{gap:8px}
  .logo .logo-img{height:32px}
  .logo .wm{font-size:.92rem}
  .logo .wm small{font-size:.5rem;letter-spacing:.12em}
  .nav-cta{gap:4px;flex:none}
  .nav-cta .btn{padding:.5rem .7rem;font-size:.84rem}
  .burger{padding:8px;margin:-2px}
  .util .wrap{justify-content:center;text-align:center;padding:7px 12px}
  .hero .grid{padding:14px 0}
  .band{padding:32px 20px}
  .form-card{padding:22px 16px}
  .calc{padding:22px 16px}
  .trust .wrap{gap:12px;padding:22px 16px}
  .center{margin-bottom:32px}
  footer a{padding:6px 0}
}