:root {
  --bg: #ffffff;
  --surface: #ffffff;
  --surface-2: #fff8f7;
  --text: #241818;
  --muted: #6f5b5b;
  --accent: #c83a3a;
  --accent-dark: #972828;
  --accent-soft: #ffe7e2;
  --border: #efe7e7;
  --shadow: 0 8px 24px rgba(36, 24, 24, 0.05);
  --brand-green: #2e8b57;
  --brand-green-soft: rgba(46, 139, 87, 0.15);
}

* {
  box-sizing: border-box;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: 'Inter', sans-serif;
  background: #ffffff;
  color: var(--text);
  line-height: 1.6;
}

img {
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
}

.topbar {
  background: var(--accent-dark);
  color: white;
  font-size: 0.95rem;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.7rem 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(16px);
  background: rgba(255, 255, 255, 0.95);
  border-bottom: 1px solid var(--border);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
}

.brand {
  display: inline-flex;
  align-items: center;
}

.brand-logo {
  position: relative;
  display: block;
  width: clamp(185px, 23vw, 250px);
  aspect-ratio: 3.89 / 1;
  overflow: hidden;
  background: #ffffff;
}

.brand-logo img {
  position: absolute;
  top: -147%;
  left: -53.7%;
  width: 202.7%;
  max-width: none;
  height: auto;
}

.nav-links {
  display: flex;
  gap: 1.25rem;
  color: var(--muted);
}

.nav-links a:hover {
  color: var(--accent-dark);
}

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 0.25rem;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  margin: 5px 0;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 6rem 0 4rem;
  min-height: 520px;
  background: #ffffff;
}

.hero-background {
  position: absolute;
  inset: 0;
  z-index: 0;
  min-height: 520px;
  background-color: #ffffff;
  background-image: url('https://images.unsplash.com/photo-1522202176988-66273c2fd55f?auto=format&fit=crop&w=1600&q=80');
  background-size: cover;
  background-position: center;
  filter: brightness(0.64);
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
}

@media (max-width: 980px) {
  .hero {
    padding: 4rem 0 2.4rem;
  }

  .hero-inner,
  .faq-grid,
  .feature-band,
  .card-grid,
  .timeline {
    grid-template-columns: 1fr;
  }
}

.eyebrow {
  display: inline-flex;
  margin: 0 0 0.8rem;
  padding: 0.4rem 0.8rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent-dark);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.hero h1,
.section-heading h2,
.about-grid h2,
.site-footer h2 {
  margin: 0 0 1rem;
  line-height: 1.08;
}

.hero h1 {
  font-size: clamp(2.6rem, 5vw, 4.5rem);
  max-width: 720px;
  color: #ffffff;
}

.hero-text,
.section-heading p,
.about-grid p,
.timeline-item p,
.feature-item p,
.testimonial-card blockquote,
.site-footer p {
  color: var(--muted);
}

.hero-text {
  color: rgba(255, 255, 255, 0.92);
  max-width: 620px;
}

.hero-actions {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  margin: 1.5rem 0 1.8rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.95rem 1.25rem;
  border-radius: 999px;
  font-weight: 600;
}

.btn-primary {
  background: linear-gradient(90deg, var(--accent), #e04e4e);
  color: white;
  box-shadow: 0 8px 18px rgba(200, 58, 58, 0.16);
}

.btn-secondary {
  border: 1px solid rgba(255, 255, 255, 0.85);
  background: rgba(255, 255, 255, 0.14);
  color: white;
}

.trust-strip {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.trust-strip div {
  min-width: 120px;
  padding: 0.8rem 0.95rem;
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow);
}

.trust-strip strong {
  display: block;
  font-size: 1.15rem;
  color: var(--accent-dark);
}

.trust-strip span {
  color: var(--muted);
  font-size: 0.92rem;
}

.hero-card,
.feature-band,
.about-card,
.info-card,
.timeline-item,
.testimonial-card,
.footer-content,
.contact-card,
.faq-list {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 24px;
  box-shadow: var(--shadow);
}

.hero-card {
  width: 100%;
  padding: 1.8rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  box-shadow: 0 18px 34px rgba(36, 24, 24, 0.08);
}

.hero-card {
  width: 100%;
  padding: 1.6rem;
  background: linear-gradient(145deg, #ffffff 0%, #fff5f2 100%);
}

.mini-title {
  margin: 0 0 0.35rem;
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
}

.hero-card h3 {
  margin: 0 0 1rem;
  font-size: 1.35rem;
}

.hero-card ul {
  margin: 0 0 1rem;
  padding-left: 1rem;
  color: var(--muted);
}

.text-link {
  color: var(--accent);
  font-weight: 600;
}

.section {
  padding: 2rem 0;
}

.feature-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  padding: 1.2rem;
}

.info-card:hover,
.timeline-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(151, 40, 40, 0.1);
}

.feature-item h3 {
  margin-top: 0;
  margin-bottom: 0.4rem;
}

.feature-item p {
  margin: 0;
}

.about-section {
  padding: 2rem 0 3rem;
}

.about-grid {
  display: grid;
  grid-template-columns: minmax(300px, 1fr) 1.4fr;
  gap: 2rem;
  align-items: start;
}

.about-image img {
  width: 100%;
  display: block;
  border-radius: 28px;
  box-shadow: 0 22px 44px rgba(36, 24, 24, 0.12);
  object-fit: cover;
  min-height: 420px;
}

.about-copy {
  display: grid;
  gap: 1.5rem;
}

.about-card {
  padding: 1.4rem;
}

.about-card h3 {
  margin-top: 0;
}

.about-card ul {
  padding-left: 1rem;
  color: var(--muted);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 1.4rem;
}

.section-heading h2,
.about-grid h2,
.faq-list h2 {
  font-size: clamp(1.7rem, 3vw, 2.35rem);
}

.services-carousel,
.what-you-get-carousel {
  position: relative;
  overflow: visible;
  padding: 1.5rem 2.5rem;
  background: var(--bg);
  border-radius: 32px;
}

.services-carousel .carousel-viewer,
.what-you-get-carousel .carousel-viewer {
  overflow: hidden;
  width: 100%;
  padding: 0 0.5rem;
  background: var(--bg);
  border-radius: 28px;
  touch-action: pan-y;
}

.services-carousel .carousel-track,
.what-you-get-carousel .carousel-track {
  display: flex;
  gap: 1.5rem;
  transition: none;
  will-change: transform;
  min-width: 0;
  background: var(--bg);
  padding: 1rem 0;
  border-radius: 28px;
}

.services-carousel .slide,
.what-you-get-carousel .slide {
  flex: 0 0 calc((100% - 3rem) / 3);
  max-width: calc((100% - 3rem) / 3);
  box-sizing: border-box;
  position: relative;
  min-width: 0;
  background: var(--bg);
  border-radius: 28px;
}

.services-carousel .slide {
  display: flex;
  align-items: stretch;
}

.services-carousel .slide img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  border-radius: 28px;
  box-shadow: 0 24px 40px rgba(0, 0, 0, 0.08);
}

.what-you-get-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 100%;
  padding: 1.8rem;
  background: var(--bg);
  border-radius: 28px;
  border: 1px solid rgba(236, 231, 231, 0.8);
  box-shadow: 0 22px 46px rgba(0, 0, 0, 0.08);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.what-you-get-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 26px 56px rgba(0, 0, 0, 0.1);
  border-color: rgba(200, 58, 58, 0.18);
}

.card-icon {
  width: 62px;
  height: 62px;
  display: grid;
  place-items: center;
  border-radius: 22px;
  background: rgba(200, 58, 58, 0.16);
  margin-bottom: 1.2rem;
  color: var(--accent);
  transition: background 0.25s ease, transform 0.25s ease;
}

.card-icon svg {
  width: 28px;
  height: 28px;
  fill: currentColor;
}

.what-you-get-card h3 {
  margin-top: 0;
  margin-bottom: 0.75rem;
}

.what-you-get-card p {
  margin: 0;
  color: var(--muted);
}

.carousel-control {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 52px;
  height: 52px;
  border: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.98);
  color: var(--accent);
  cursor: pointer;
  box-shadow: 0 24px 48px rgba(36, 24, 24, 0.16);
  display: grid;
  place-items: center;
  z-index: 2;
  transition: transform 0.2s ease, background 0.2s ease;
}

.carousel-control:hover {
  transform: translateY(-50%) scale(1.08);
  background: #fff;
}

.carousel-control.prev {
  left: -28px;
}

.carousel-control.next {
  right: -28px;
}

.carousel-control span {
  font-size: 1.45rem;
  line-height: 1;
}

.slide.active-slide {
  outline: 2px solid rgba(200, 58, 58, 0.2);
  outline-offset: 4px;
}

.services-carousel .slide.active-slide img,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  box-shadow: 0 40px 110px rgba(200, 58, 58, 0.25);
}

.carousel-dots {
  display: none;
}


.slide-caption {
  position: absolute;
  left: 1.5rem;
  bottom: 1.5rem;
  background: rgba(255, 255, 255, 0.92);
  color: var(--text);
  padding: 0.9rem 1rem;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 18px 40px rgba(36, 24, 24, 0.12);
}

.carousel-dots {
  display: none;
}

@media (max-width: 980px) {
  .card-grid,
  .timeline,
  .feature-band,
  .faq-grid,
  .hero-inner {
    grid-template-columns: 1fr;
  }

  .slide {
    min-width: 50%;
  }
}

@media (max-width: 640px) {
  .what-you-get-grid {
    grid-template-columns: 1fr;
  }
  .slide {
    min-width: 100%;
  }
}

.card-image img {
  width: 100%;
  border-radius: 20px;
  display: block;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.info-card h3 {
  margin-top: 0;
  margin-bottom: 0.4rem;
}

.info-card p {
  margin: 0;
  color: var(--muted);
}

.process-section {
  background: linear-gradient(135deg, #fffdfd 0%, #fff4f2 100%);
  padding: 2.4rem 0;
}

.trust-section {
  padding: 3rem 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2.5rem;
  align-items: center;
}

.trust-copy {
  max-width: 640px;
}

.trust-copy h2 {
  margin-top: 0.75rem;
  margin-bottom: 1rem;
  line-height: 1.05;
}

.trust-copy p {
  margin-bottom: 1.5rem;
  color: var(--muted);
}

.trust-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.9rem;
}

.trust-list li {
  position: relative;
  padding-left: 1.5rem;
  color: var(--text);
}

.trust-list li::before {
  content: '•';
  position: absolute;
  left: 0;
  top: 0.1rem;
  color: var(--accent);
  font-size: 1.2rem;
  line-height: 1;
}

.trust-image img {
  width: 100%;
  display: block;
  border-radius: 28px;
  box-shadow: 0 22px 48px rgba(20, 25, 40, 0.12);
  object-fit: cover;
  object-position: top center;
  min-height: 420px;
}

.lenders-section {
  overflow: hidden;
  padding: 3.75rem 0 0;
  background: #ffffff;
}

.lenders-heading {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
  text-align: center;
}

.lenders-label {
  display: inline-flex;
  margin: 0 0 1.25rem;
  padding: 0.55rem 1.35rem;
  border: 1px solid #c6e7d3;
  border-radius: 999px;
  background: #f8fbef;
  color: #111111;
  font-size: 0.95rem;
  line-height: 1.5;
}

.lenders-label span {
  margin-left: 0.28rem;
  color: var(--brand-green);
}

.lenders-heading h2 {
  margin: 0 0 0.85rem;
  color: #050505;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1.15;
}

.lenders-heading > p:last-child {
  margin: 0 auto;
  color: var(--muted);
  font-size: 0.96rem;
}

.lenders-logo-marquee {
  width: 100%;
  margin-top: 2.3rem;
  overflow: hidden;
}

.lenders-logo-track {
  display: flex;
  width: max-content;
  will-change: transform;
}

.lenders-logo-track--forward {
  animation: lenders-marquee-forward 20s linear infinite;
}

.lenders-logo-track--reverse {
  animation: lenders-marquee-reverse 20s linear infinite;
}

.lenders-logo-marquee:hover .lenders-logo-track,
.lenders-logo-marquee:focus .lenders-logo-track,
.lenders-logo-marquee:focus-within .lenders-logo-track {
  animation-play-state: paused;
}

.lenders-logo-group {
  flex: 0 0 auto;
  width: max(100vw, 900px);
  min-height: 104px;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  align-items: center;
  gap: clamp(1rem, 3vw, 3rem);
  padding: 0.75rem clamp(1rem, 3vw, 2.5rem);
}

.lender-logo-item {
  height: 80px;
  display: grid;
  place-items: center;
}

.lender-logo-item img {
  width: auto;
  max-width: 100%;
  max-height: 64px;
  display: block;
  object-fit: contain;
  opacity: 1;
  filter: none;
}

@keyframes lenders-marquee-forward {
  0%, 8% {
    transform: translateX(-50%);
  }

  25%, 33% {
    transform: translateX(-37.5%);
  }

  50%, 58% {
    transform: translateX(-25%);
  }

  75%, 83% {
    transform: translateX(-12.5%);
  }

  100% {
    transform: translateX(0);
  }
}

@keyframes lenders-marquee-reverse {
  0%, 8% {
    transform: translateX(0);
  }

  25%, 33% {
    transform: translateX(-12.5%);
  }

  50%, 58% {
    transform: translateX(-25%);
  }

  75%, 83% {
    transform: translateX(-37.5%);
  }

  100% {
    transform: translateX(-50%);
  }
}

@media (prefers-reduced-motion: reduce) {
  .lenders-logo-track {
    animation: none;
  }
}

.quick-assistance-section {
  padding: 4rem 0;
  background: #f5f9ef;
}

.quick-assistance-grid {
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  gap: clamp(2rem, 7vw, 6rem);
  align-items: center;
}

.quick-assistance-label {
  display: inline-flex;
  margin: 0 0 1rem;
  padding: 0.5rem 1.25rem;
  border: 1px solid #c5e5d2;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.35);
  color: #111111;
  font-size: 0.9rem;
}

.quick-assistance-label span {
  margin-left: 0.28rem;
  color: var(--brand-green);
}

.quick-assistance-copy h2 {
  margin: 0 0 0.75rem;
  color: #050505;
  font-size: clamp(2rem, 3.3vw, 2.7rem);
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1.15;
}

.quick-assistance-copy > p:not(.quick-assistance-label) {
  margin: 0;
  color: var(--muted);
}

.quick-assistance-image {
  position: relative;
  width: 100%;
  margin-top: 1.35rem;
  aspect-ratio: 549 / 245;
  overflow: hidden;
  background: #ffffff;
}

.quick-assistance-image img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center;
}

.quick-form {
  display: grid;
  gap: 1.15rem;
  padding: clamp(1.4rem, 3vw, 2rem);
  border: 1px solid #bdc6b8;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.18);
}

.quick-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.quick-form label {
  display: grid;
  gap: 0.2rem;
  color: #111111;
  font-size: 0.82rem;
}

.quick-form input,
.quick-form select,
.quick-form textarea {
  width: 100%;
  min-height: 42px;
  padding: 0.45rem 0.3rem;
  border: 0;
  border-bottom: 1px solid #bfc5bc;
  border-radius: 0;
  outline: none;
  background: transparent;
  color: var(--text);
  font: inherit;
}

.quick-form textarea {
  min-height: 50px;
  resize: vertical;
}

.quick-form input:focus,
.quick-form select:focus,
.quick-form textarea:focus {
  border-bottom-color: var(--brand-green);
  box-shadow: 0 1px 0 var(--brand-green);
}

.quick-submit {
  min-height: 44px;
  margin-top: 0.4rem;
  border: 0;
  border-radius: 999px;
  background: var(--accent);
  color: #ffffff;
  font: inherit;
  font-weight: 600;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.2s ease;
}

.quick-submit:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
}

.feedback-section {
  padding: 3.5rem 0;
  overflow: hidden;
  background: #f5f9ef;
}

.feedback-carousel {
  position: relative;
  padding: 0 2.5rem;
}

.feedback-carousel .carousel-viewer {
  width: 100%;
  overflow: hidden;
}

.feedback-carousel .carousel-track {
  display: flex;
  gap: 3rem;
  will-change: transform;
}

.feedback-carousel .slide {
  flex: 0 0 calc((100% - 6rem) / 3);
  max-width: calc((100% - 6rem) / 3);
  min-width: 0;
}

.feedback-card {
  padding: 0.5rem 0;
  background: transparent;
}

.feedback-stars {
  color: #ff9418;
  font-size: 1.15rem;
  letter-spacing: 0.03em;
}

.feedback-card > p {
  min-height: 3.2rem;
  margin: 0.75rem 0 1.4rem;
  color: #5d615a;
  font-size: 0.94rem;
}

.feedback-author {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: #70934c;
}

.feedback-avatar {
  position: relative;
  width: 22px;
  height: 12px;
  margin-top: 8px;
  border-radius: 12px 12px 3px 3px;
  background: #70934c;
}

.feedback-avatar::before {
  content: '';
  position: absolute;
  left: 7px;
  top: -10px;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #70934c;
}

.feedback-carousel .carousel-control {
  width: 38px;
  height: 38px;
  background: transparent;
  color: #111111;
  box-shadow: none;
}

.feedback-carousel .carousel-control.prev {
  left: -0.25rem;
}

.feedback-carousel .carousel-control.next {
  right: -0.25rem;
}

.feedback-carousel .carousel-control span {
  font-size: 2.5rem;
  font-weight: 300;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.timeline-item {
  position: relative;
  padding: 2.4rem 2rem 2rem;
  background: #ffffff;
  border: 1px solid rgba(226, 227, 230, 0.95);
  border-radius: 32px;
  box-shadow: 0 18px 36px rgba(20, 25, 40, 0.06);
  min-height: 320px;
  overflow: hidden;
}

.timeline-item span {
  display: block;
  position: relative;
  z-index: 1;
  margin-bottom: 1rem;
  color: rgba(0, 0, 0, 0.12);
  font-weight: 900;
  font-size: clamp(4.8rem, 6vw, 6.8rem);
  line-height: 0.85;
  letter-spacing: -0.08em;
}

.timeline-item h3 {
  position: relative;
  z-index: 1;
  margin-top: 0;
  margin-bottom: 0.85rem;
  font-size: 1.2rem;
}

.timeline-item p {
  position: relative;
  z-index: 1;
  margin: 0;
  color: var(--muted);
}

.testimonial-card {
  padding: 2rem;
  text-align: center;
}

.testimonial-card blockquote {
  font-size: clamp(1.15rem, 2vw, 1.5rem);
  margin: 0 0 0.8rem;
}

.author {
  color: var(--accent);
  font-weight: 600;
}

.site-footer {
  padding: 4rem 0 1.25rem;
  background: #b3262d;
  color: #ffffff;
}

.footer-content {
  display: grid;
  grid-template-columns: 1.5fr 0.75fr 0.9fr 1.3fr;
  align-items: start;
  gap: clamp(2rem, 4vw, 4.5rem);
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}

.site-footer p {
  color: rgba(255, 255, 255, 0.96);
}

.footer-brand {
  display: inline-block;
  margin-bottom: 1.25rem;
  color: #ffffff;
}

.footer-logo {
  display: block;
  width: min(100%, 260px);
  height: auto;
  background: transparent;
}

.footer-about p {
  max-width: 25rem;
  margin: 0;
  font-size: 0.94rem;
}

.footer-column {
  display: grid;
  align-content: start;
  gap: 0.65rem;
}

.footer-column h3 {
  margin: 0 0 0.45rem;
  color: #ffffff;
  font-size: 1.15rem;
  font-weight: 600;
}

.footer-column a {
  color: rgba(255, 255, 255, 0.96);
  font-size: 0.92rem;
}

.footer-column a:hover {
  color: #ffffff;
  text-decoration: underline;
  text-underline-offset: 0.2rem;
}

.footer-contact {
  gap: 0.85rem;
}

.footer-contact > div {
  display: grid;
  gap: 0.25rem;
}

.footer-contact-label {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.88);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  margin: 0;
  color: #ffffff;
  font-style: normal;
  line-height: 1.45;
}

.footer-contact-item > span:first-child {
  flex: 0 0 1rem;
  text-align: center;
}

.footer-bottom {
  margin-top: 3rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.24);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.8rem;
  text-align: center;
}

.faq-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 1rem;
}

.faq-list,
.contact-card {
  padding: 1.4rem;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 0.9rem 1rem;
  margin-top: 0.8rem;
  background: var(--surface-2);
}

.faq-question {
  width: 100%;
  border: 0;
  background: none;
  text-align: left;
  font: inherit;
  font-weight: 700;
  color: var(--text);
  cursor: pointer;
  padding: 0;
}

.faq-answer {
  display: none;
  margin-top: 0.6rem;
  color: var(--muted);
}

.faq-item.active .faq-answer {
  display: block;
}

.contact-form {
  display: grid;
  gap: 0.75rem;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.9rem 1rem;
  border: 1px solid var(--border);
  border-radius: 12px;
  font: inherit;
  background: #fff8f7;
}

.contact-form button {
  border: 0;
  cursor: pointer;
}

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 980px) {
  .hero,
  .about-grid,
  .card-grid,
  .timeline,
  .feature-band,
  .faq-grid {
    grid-template-columns: 1fr 1fr;
  }

  .hero,
  .faq-grid {
    grid-template-columns: 1fr;
  }

  .timeline {
    grid-template-columns: 1fr 1fr;
  }

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-copy {
    max-width: none;
  }

  .quick-assistance-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .feedback-carousel .carousel-track {
    gap: 2rem;
  }

  .feedback-carousel .slide {
    flex-basis: calc((100% - 2rem) / 2);
    max-width: calc((100% - 2rem) / 2);
  }

  .footer-content {
    grid-template-columns: 1.35fr 1fr;
    gap: 2.5rem 3rem;
  }

  .services-carousel .slide,
  .what-you-get-carousel .slide {
    flex-basis: calc((100% - 1.5rem) / 2);
    max-width: calc((100% - 1.5rem) / 2);
  }
}

@media (max-width: 700px) {
  html {
    scroll-padding-top: 76px;
  }

  body {
    overflow-x: hidden;
  }

  .container,
  .lenders-heading {
    width: min(100% - 1.25rem, 1160px);
  }

  .section {
    padding: 2.75rem 0;
  }

  .topbar-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.2rem;
    padding: 0.5rem 0;
    font-size: 0.82rem;
  }

  .nav-bar {
    min-height: 64px;
    padding: 0.75rem 0;
  }

  .brand {
    max-width: calc(100% - 54px);
  }

  .brand-logo {
    width: clamp(175px, 55vw, 210px);
  }

  .nav-links {
    display: none;
    position: absolute;
    top: calc(100% + 0.5rem);
    left: 0.625rem;
    right: 0.625rem;
    z-index: 30;
    padding: 0.6rem;
    flex-direction: column;
    gap: 0;
    background: white;
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: 0 18px 44px rgba(36, 24, 24, 0.16);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 0.75rem 0.8rem;
    border-radius: 10px;
  }

  .menu-toggle {
    display: block;
    min-width: 44px;
    min-height: 44px;
    cursor: pointer;
  }

  .hero {
    min-height: 0;
    padding: 3rem 0 2.75rem;
  }

  .hero-background {
    min-height: 100%;
    background-position: 58% center;
  }

  .hero-inner {
    gap: 1.5rem;
  }

  .hero h1 {
    font-size: clamp(2.15rem, 10vw, 3rem);
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    margin: 1.25rem 0 1.5rem;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .trust-strip {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.5rem;
  }

  .trust-strip div {
    min-width: 0;
    padding: 0.65rem 0.55rem;
    border-radius: 12px;
  }

  .trust-strip strong {
    font-size: 1rem;
  }

  .trust-strip span {
    font-size: 0.75rem;
  }

  .hero-card {
    padding: 1.25rem;
  }

  .eyebrow {
    max-width: 100%;
    letter-spacing: 0.1em;
  }

  .about-section {
    padding: 2.75rem 0;
  }

  .feature-band,
  .card-grid,
  .timeline,
  .about-grid {
    grid-template-columns: 1fr;
  }

  .about-image img,
  .trust-image img {
    min-height: 0;
    height: 300px;
    border-radius: 20px;
  }

  .services-carousel,
  .what-you-get-carousel {
    padding: 0.75rem 0.4rem 1rem;
    border-radius: 20px;
  }

  .services-carousel .carousel-viewer,
  .what-you-get-carousel .carousel-viewer {
    padding: 0 0.2rem;
    border-radius: 20px;
  }

  .services-carousel .carousel-track,
  .what-you-get-carousel .carousel-track {
    gap: 1rem;
    padding: 0.75rem 0;
  }

  .services-carousel .slide,
  .what-you-get-carousel .slide {
    flex: 0 0 100%;
    max-width: 100%;
    border-radius: 20px;
  }

  .services-carousel .slide img {
    height: 285px;
    border-radius: 20px;
  }

  .what-you-get-card {
    min-height: 280px;
    padding: 1.35rem;
    border-radius: 20px;
  }

  .carousel-control {
    width: 42px;
    height: 42px;
  }

  .carousel-control.prev {
    left: -0.2rem;
  }

  .carousel-control.next {
    right: -0.2rem;
  }

  .slide-caption {
    left: 1rem;
    bottom: 1rem;
    padding: 0.7rem 0.85rem;
  }

  .process-section {
    padding: 2.75rem 0;
  }

  .timeline-item {
    min-height: 0;
    padding: 1.5rem;
    border-radius: 20px;
  }

  .timeline-item span {
    margin-bottom: 0.75rem;
    font-size: 4rem;
  }

  .trust-section {
    padding: 2.75rem 0;
  }

  .trust-grid {
    gap: 2rem;
  }

  .footer-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 0;
    border-radius: 0;
  }

  .site-footer {
    padding-top: 3rem;
  }

  .footer-logo {
    width: min(100%, 230px);
  }

  .footer-bottom {
    margin-top: 2.25rem;
    text-align: left;
  }

  .faq-list,
  .contact-card,
  .testimonial-card {
    padding: 1.15rem;
    border-radius: 20px;
  }

  .faq-grid {
    gap: 1.25rem;
  }

  .contact-form input,
  .contact-form textarea {
    font-size: 16px;
  }

  .lenders-section {
    padding-top: 3rem;
  }

  .lenders-heading > p:last-child {
    max-width: 34rem;
  }

  .lenders-heading h2 {
    font-size: clamp(1.9rem, 9vw, 2.5rem);
  }

  .lenders-logo-marquee {
    margin-top: 1.75rem;
  }

  .lenders-logo-group {
    width: 680px;
    min-height: 88px;
    gap: 1rem;
    padding-inline: 1rem;
  }

  .lender-logo-item {
    height: 68px;
  }

  .lender-logo-item img {
    max-height: 52px;
  }

  .quick-assistance-section {
    padding: 3rem 0;
  }

  .quick-assistance-grid {
    gap: 1.5rem;
  }

  .quick-assistance-copy h2 {
    font-size: clamp(1.9rem, 9vw, 2.4rem);
  }

  .quick-assistance-image {
    border-radius: 12px;
  }

  .quick-form {
    padding: 1.2rem;
  }

  .quick-form-row {
    grid-template-columns: 1fr;
    gap: 1.15rem;
  }

  .quick-form input,
  .quick-form select,
  .quick-form textarea {
    font-size: 16px;
  }

  .feedback-section {
    padding: 2.75rem 0;
  }

  .feedback-carousel {
    padding: 0 2rem;
  }

  .feedback-carousel .carousel-track {
    gap: 1rem;
  }

  .feedback-carousel .slide {
    flex: 0 0 100%;
    max-width: 100%;
  }

  .feedback-card > p {
    min-height: 0;
  }

  .services-carousel,
  .what-you-get-carousel,
  .feedback-carousel {
    padding-bottom: 4rem;
  }

  .services-carousel .carousel-control,
  .what-you-get-carousel .carousel-control,
  .feedback-carousel .carousel-control {
    top: auto;
    bottom: 0.5rem;
    transform: none !important;
  }

  .services-carousel .carousel-control.prev,
  .what-you-get-carousel .carousel-control.prev,
  .feedback-carousel .carousel-control.prev {
    left: calc(50% - 50px);
  }

  .services-carousel .carousel-control.next,
  .what-you-get-carousel .carousel-control.next,
  .feedback-carousel .carousel-control.next {
    right: calc(50% - 50px);
  }
}

@media (max-width: 380px) {
  .hero h1 {
    font-size: 2rem;
  }

  .trust-strip {
    grid-template-columns: 1fr;
  }

  .trust-strip div {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    padding-inline: 0.85rem;
  }

  .about-image img,
  .trust-image img {
    height: 250px;
  }
}

/* Keep both carousel sections identical to the pure-white page canvas. */
#services,
.what-you-get-section,
#services .services-carousel,
.what-you-get-section .what-you-get-carousel,
#services .carousel-viewer,
.what-you-get-section .carousel-viewer,
#services .carousel-track,
.what-you-get-section .carousel-track,
#services .slide,
.what-you-get-section .slide,
.what-you-get-section .what-you-get-card {
  background-color: #ffffff !important;
  background-image: none !important;
}

#services .slide,
#services .slide img,
.what-you-get-section .slide,
.what-you-get-section .what-you-get-card,
#services .slide.active-slide,
.what-you-get-section .slide.active-slide,
#services .slide.active-slide img,
.what-you-get-section .slide.active-slide .what-you-get-card {
  border-color: transparent !important;
  outline: none !important;
  box-shadow: none !important;
}

.what-you-get-section .what-you-get-card:hover {
  border-color: transparent !important;
  box-shadow: none !important;
}

/* Retain a defined frame around benefit cards without tinting the carousel canvas. */
.what-you-get-section .what-you-get-card,
.what-you-get-section .slide.active-slide .what-you-get-card {
  border: 1px solid rgba(236, 231, 231, 0.9) !important;
  box-shadow: none !important;
}

.what-you-get-section .what-you-get-card:hover {
  border-color: rgba(200, 58, 58, 0.18) !important;
  box-shadow: none !important;
}

/* Prevent active/cloned carousel elements from adding a tinted band below cards. */
.what-you-get-carousel *,
.what-you-get-carousel *::before,
.what-you-get-carousel *::after {
  filter: none !important;
  box-shadow: none !important;
}

.what-you-get-carousel .what-you-get-card,
.what-you-get-carousel .what-you-get-card:hover,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  border: 1px solid #ece7e7 !important;
  outline: none !important;
  box-shadow: none !important;
}

.what-you-get-carousel .carousel-viewer,
.what-you-get-carousel .carousel-track,
.what-you-get-carousel .slide {
  background: #ffffff !important;
  box-shadow: none !important;
}

.what-you-get-carousel .carousel-track {
  padding-bottom: 0 !important;
}

.what-you-get-carousel .slide {
  overflow: hidden !important;
}

/* Strong MortgageX-red frame and shadow for benefit cards. */
.what-you-get-carousel .carousel-track {
  padding-bottom: 1.25rem !important;
  background: #ffffff !important;
}

.what-you-get-carousel .slide {
  overflow: visible !important;
}

.what-you-get-carousel .what-you-get-card,
.what-you-get-carousel .what-you-get-card:hover,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  background: #ffffff !important;
  border: 1px solid rgba(200, 58, 58, 0.28) !important;
  box-shadow: 0 4px 0 rgba(200, 58, 58, 0.14), 0 8px 16px rgba(200, 58, 58, 0.1) !important;
}