:root{--green:#1E6B3C;--green-deep:#123F24;--green-soft:#E3F1E8;--green-wash:#EEF7F1;--saffron:#F4C430;--saffron-wash:#FFF7E0;--saffron-soft:#FFF1C7;--saffron-line:#F1E3BF;--saffron-border:#E2C877;--saffron-text:#8A5300;--ink:#1F1A10;--body:#4D4536;--muted:#5C5446;--white:#FFFFFF}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.55;font-size:16px}
h1,h2,h3{font-family:"Space Grotesk",Inter,sans-serif;margin:0;line-height:1.1}
p{margin:0}
a{color:var(--saffron-text)}a:hover{color:#5E3800}
:focus-visible,input:focus,select:focus,textarea:focus{outline:3px solid var(--saffron);outline-offset:2px}
img,svg{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.eyebrow{font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--saffron-text)}
.section-title{color:var(--green-deep);font-weight:700;font-size:clamp(1.8rem,4vw,2.6rem)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 24px;border-radius:999px;font-weight:600;text-decoration:none;border:0;font:inherit;font-weight:600;cursor:pointer}
.btn-primary{background:var(--saffron);color:var(--ink)}.btn-primary:hover{background:#E8B520;color:var(--ink)}
.btn-outline{background:var(--white);color:var(--green);border:1.5px solid var(--green)}.btn-outline:hover{color:var(--white);background:var(--green)}
.btn-dark{background:var(--green);color:var(--white)}.btn-dark:hover{color:var(--white);background:var(--green-deep)}
.btn-green{background:var(--green);color:var(--white)}.btn-green:hover{color:var(--white);background:var(--green-deep)}

/* Header */
.site-header{position:sticky;top:0;z-index:10;background:var(--white);border-bottom:1px solid var(--saffron-line);box-shadow:inset 0 3px 0 var(--green)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:14px 20px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-family:"Space Grotesk",Inter,sans-serif}
.logo svg{flex:none}
.wordmark{display:flex;flex-direction:column;line-height:1}
.wm-top{font-weight:700;font-size:22px;color:var(--green);letter-spacing:-.01em}
.wm-sub{font-weight:600;font-size:11.5px;letter-spacing:.32em;text-transform:uppercase;color:var(--saffron-text);margin-top:4px}
.logo:hover{color:var(--ink)}
.nav{display:flex;align-items:center;gap:22px;font-weight:500;font-size:15px}
.nav a{color:var(--ink);text-decoration:none;padding:10px 0}
.nav a.btn{padding:11px 18px}
.menu-toggle{display:none;background:transparent;border:1.5px solid var(--saffron-border);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center}
@media (max-width:820px){
  .menu-toggle{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 18px;border-bottom:1px solid var(--saffron-line)}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--saffron-line)}
  .nav a.btn{margin-top:12px;border-bottom:0}
}

/* Hero */
.hero{background:var(--saffron-wash)}
.hero-in{display:flex;flex-wrap:wrap;gap:48px;align-items:center;padding-top:64px;padding-bottom:72px}
.hero-copy{flex:1 1 420px;min-width:0;display:flex;flex-direction:column;gap:22px}
.hero h1{color:var(--green-deep);font-weight:700;font-size:clamp(2.3rem,5.5vw,3.8rem);line-height:1.05;letter-spacing:-.02em}
.lead{font-size:18px;color:var(--body);max-width:34rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}
.hero-card-col{flex:1 1 340px;min-width:0;display:flex;justify-content:center}
.card{background:var(--white);border-radius:24px;padding:28px;box-shadow:0 20px 50px rgba(138,83,0,.14)}
.why{width:100%;max-width:420px;display:flex;flex-direction:column;gap:18px}
.why-head{display:flex;align-items:center;gap:14px}
.icon-tile{width:52px;height:52px;border-radius:14px;background:var(--saffron);display:flex;align-items:center;justify-content:center;flex:none}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks svg{flex:none;margin-top:2px}

/* Loans */
.section{padding:80px 0}
.section-head{display:flex;flex-direction:column;gap:10px;max-width:40rem;margin-bottom:36px}
.loan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.loan{border:1.5px solid var(--saffron-line);border-top:4px solid var(--green);border-radius:18px;padding:26px;display:flex;flex-direction:column;gap:10px}
.loan .ic{width:44px;height:44px;border-radius:12px;background:var(--green-soft);display:flex;align-items:center;justify-content:center}
.loan h3{font-weight:600;font-size:21px}
.loan p{color:var(--muted);font-size:15px}

/* Calculator */
.calc{background:var(--saffron)}
.calc-in{display:flex;flex-wrap:wrap;gap:40px;align-items:flex-start;padding-top:80px;padding-bottom:80px}
.calc-copy{flex:1 1 320px;min-width:0;display:flex;flex-direction:column;gap:14px;color:#3D2A00}
.calc-copy .eyebrow{color:#3D2A00}
.calc-copy h2{color:var(--green-deep)}
.calc-card{flex:1 1 460px;min-width:0;background:var(--white);border-radius:24px;padding:28px;display:flex;flex-direction:column;gap:20px}
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:16px}
label{display:flex;flex-direction:column;gap:6px;font-weight:500;font-size:14px}
input:focus,select:focus,textarea:focus{border-color:var(--green)}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--saffron-border);border-radius:12px;min-height:48px;width:100%;background:var(--white);color:var(--ink)}
textarea{resize:vertical;min-height:90px}
.result{background:var(--saffron-wash);border-radius:16px;padding:22px;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:16px}
.result small{display:block;font-size:14px;color:var(--muted)}
.monthly{color:var(--green);font-family:"Space Grotesk",Inter,sans-serif;font-weight:700;font-size:44px;line-height:1.1}
.loan-amt{font-weight:600;font-size:20px;text-align:right}
.calc-card .btn{align-self:flex-start}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:28px}
.step{border-top:3px solid var(--green);padding-top:18px;display:flex;flex-direction:column;gap:10px}
.step .num{font-family:"Space Grotesk",Inter,sans-serif;font-weight:700;font-size:34px;color:var(--green)}
.step h3{font-weight:600;font-size:20px}
.step p{color:var(--muted);font-size:15px}

/* Contact */
.contact{background:var(--green-wash)}
.contact-in{display:flex;flex-wrap:wrap;gap:48px;padding-top:80px;padding-bottom:80px}
.contact-copy{flex:1 1 320px;min-width:0;display:flex;flex-direction:column;gap:16px;color:var(--body)}
.contact-copy h2{color:var(--green-deep)}
.contact-details{display:flex;flex-direction:column;gap:8px;color:var(--ink)}
.form-card{flex:1 1 420px;min-width:0}
.form{display:flex;flex-direction:column;gap:16px}
.form .two{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}
.form-status{font-size:15px}
.form-status.error{color:#9B1C1C}
.thanks{display:none;flex-direction:column;gap:10px;padding:20px 0}
.thanks.show{display:flex}
.hp{position:absolute;left:-9999px}

/* Footer */
.site-footer{background:var(--green-deep);color:#EAF4EC;border-top:6px solid var(--saffron)}
.footer-in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;padding-top:40px;padding-bottom:40px;font-size:14px}
.footer-brand{display:flex;align-items:center;gap:10px;font-family:"Space Grotesk",Inter,sans-serif;font-weight:700;font-size:19px;color:var(--white)}
.footer-small{color:#BFD8C6}
.footer-col{display:flex;flex-direction:column;gap:6px;max-width:34rem}
.site-footer p:last-child{align-self:flex-end}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}