:root{
  --bg:#F5F4F0;--card:#FFFFFF;--ink:#1A2427;--text:#2C373A;--muted:#576266;
  --accent:#35535A;--accent-deep:#233A40;--accent-tint:#E4EAEA;--tint2:#C9D4D5;--line:#DADFDD;
  --ochre:#D39A4A;--ochre-text:#8E5B20;--ochre-tint:#F7EBDA;
  --foot-bg:#172024;--foot-text:#D0D9DA;--foot-link:#EDC387;
  --fd:"Funnel Display",system-ui,sans-serif;--fb:"Funnel Sans",system-ui,sans-serif;--r:16px;--wrap:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.14;margin:0;font-weight:600;letter-spacing:-.01em}
p,ul,ol{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:8px}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:2px solid var(--ochre);outline-offset:2px}
.kicker{display:inline-flex;align-items:center;gap:10px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.kicker::before{content:"";width:18px;height:2px;background:var(--ochre);border-radius:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--fd);font-weight:600;font-size:16px;padding:15px 28px;border-radius:999px;border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--accent)}
.btn-ghost:hover{background:var(--accent-tint)}
.btn-snow{background:#fff;color:var(--ink);border-color:#fff}
.btn-snow:hover{background:var(--accent-tint);border-color:var(--accent-tint)}

/* header: slate strip + stone bar, wordmark centred, menu pill right */
.mast{position:relative;z-index:20;background:var(--bg);border-bottom:1px solid var(--line)}
.strip{background:var(--accent-deep);color:#E1E8E9;font-size:12.5px;letter-spacing:.04em;text-align:center;padding:6px 16px;line-height:1.45}
.strip i{display:inline-block;width:5px;height:5px;border-radius:50%;background:var(--ochre);margin:0 10px;vertical-align:2px}
.bar{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;height:62px}
.brand{grid-column:2;grid-row:1;display:inline-flex;align-items:center;gap:10px;text-decoration:none}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:600;font-size:22px;letter-spacing:-.015em;color:var(--ink)}
.wm b{font-weight:700;color:var(--accent)}
.menu{grid-column:3;grid-row:1;justify-self:end;position:relative}
.menu-btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--fd);font-weight:500;font-size:14px;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:999px;padding:8px 14px 8px 16px;cursor:pointer}
.menu-btn:hover{border-color:var(--tint2)}
.menu-btn svg{width:16px;height:16px}
.nav{display:none;position:absolute;right:0;top:calc(100% + 10px);min-width:220px;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:0 24px 40px -22px rgba(26,36,39,.45);padding:6px 0;flex-direction:column}
.nav.open{display:flex}
.nav a{font-family:var(--fd);font-weight:500;font-size:15px;color:var(--ink);text-decoration:none;padding:12px 18px;border-top:1px solid var(--line)}
.nav a:first-child{border-top:0}
.nav a:hover{background:var(--accent-tint)}
@media(max-width:600px){
  .strip{font-size:11.5px;padding:6px 10px}
  .strip .x{display:none}
  .bar{height:56px}
  .wm{font-size:20px}
  .brand .mark{width:24px;height:24px;flex-basis:24px}
  .menu-btn{padding:7px 11px}
  .menu-btn span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
}
/* hero: inset level window, card straddles the level line */
.hero{position:relative;padding:150px 0 70px;scroll-margin-top:0}
.hero-window{position:absolute;top:10px;left:16px;right:16px;height:330px;margin:0;border-radius:22px;overflow:hidden;background:var(--tint2);box-shadow:inset 0 0 0 1px rgba(26,36,39,.06)}
.hero-window img{width:100%;height:100%;object-fit:cover;object-position:50% 62%}
.level{position:absolute;left:0;right:0;top:340px;height:1px;background:rgba(53,83,90,.42)}
.level::before,.level::after{content:"";position:absolute;top:-4px;width:2px;height:9px;border-radius:1px;background:var(--ochre)}
.level::before{left:16px}
.level::after{right:16px}
.hero-in{position:relative;z-index:1;text-align:center}
.eyebrow{display:flex;align-items:center;justify-content:center;gap:9px;width:max-content;max-width:100%;margin:0 auto 18px;padding:7px 16px;border-radius:999px;background:rgba(245,244,240,.93);border:1px solid rgba(255,255,255,.75);box-shadow:0 8px 18px -12px rgba(26,36,39,.5);font-family:var(--fd);font-weight:500;font-size:13px;letter-spacing:.02em;color:var(--ink)}
.eyebrow i{flex:0 0 7px;width:7px;height:7px;border-radius:50%;background:var(--ochre)}
.form-card{position:relative;width:100%;max-width:var(--card-max);margin:0 auto;text-align:left;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 28px 16px;box-shadow:0 1px 0 rgba(26,36,39,.05),0 38px 46px -32px rgba(26,36,39,.6),0 12px 24px -18px rgba(26,36,39,.25)}
.form-card__head{position:relative;text-align:center;padding-bottom:16px;border-bottom:1px solid var(--line)}
.form-card__head::after{content:"";position:absolute;left:50%;bottom:-10.5px;width:40px;height:20px;transform:translateX(-50%);background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 20'%3E%3Crect x='4' y='9' width='32' height='3' fill='%23FFFFFF'/%3E%3Cpath d='M6 1.5h11v9H6zM23 1.5h11v9H23z' fill='%2335535A'/%3E%3Cpath d='M7 10.5h26' stroke='%2335535A' stroke-width='1.2'/%3E%3Ccircle cx='20' cy='7' r='2.2' fill='%23D39A4A'/%3E%3C/svg%3E") center/40px 20px no-repeat}
.form-card__head h2{font-size:24px;letter-spacing:-.015em}
.form-card__head p{margin-top:4px;font-size:14.5px;color:var(--muted)}
.form-host{margin-top:16px}
.form-card__trust{margin-top:12px;padding-top:11px;border-top:1px solid var(--line);font-size:13px;line-height:1.5;color:var(--muted);text-align:center}
:root{--card-max:840px;--cta-text:#FFFFFF}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
.ticks{list-style:none;padding:0;margin:28px auto 0;max-width:840px;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--tint2);border-bottom:1px solid var(--tint2)}
.ticks li{position:relative;display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 10px;font-family:var(--fd);font-weight:500;font-size:14px;line-height:1.3;color:var(--ink);border-left:1px solid var(--line)}
.ticks li:first-child{border-left:0}
.ticks li:not(:first-child)::before{content:"";position:absolute;left:-1px;top:-5px;width:1px;height:9px;background:var(--accent)}
.ticks svg{width:18px;height:12px;flex:0 0 18px}
.hero h1{font-size:clamp(30px,4.3vw,46px);max-width:860px;margin:38px auto 0;text-wrap:balance}
.hero .sub{max-width:640px;margin:14px auto 0;font-size:17.5px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:124px 0 50px}
  .hero-window{top:8px;left:8px;right:8px;height:262px;border-radius:18px}
  .hero-window img{object-position:50% 58%}
  .level{top:270px}
  .level::before{left:8px}
  .level::after{right:8px}
  .eyebrow{font-size:12px;padding:6px 12px;gap:7px;margin-bottom:14px;text-align:center}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:18px 14px 14px;border-radius:14px}
  .form-card__head h2{font-size:21px}
  .form-card__head p{font-size:13.5px}
  .ticks{grid-template-columns:1fr 1fr;margin-top:22px}
  .ticks li{font-size:13.5px;padding:12px 6px}
  .ticks li:nth-child(3){border-left:0}
  .ticks li:nth-child(n+3){border-top:1px solid var(--line)}
  .ticks li:nth-child(3)::before{display:none}
  .hero h1{margin-top:30px}
  .hero .sub{font-size:16.5px}
}
/* recognition lines on slate mist */
.survey{position:relative;background-color:var(--accent-tint);padding:86px 0;overflow:hidden;
  background-image:radial-gradient(circle at 20% 30%,rgba(53,83,90,.10) 0 1.6px,transparent 2.2px),radial-gradient(circle at 70% 60%,rgba(211,154,74,.16) 0 1.2px,transparent 1.8px),radial-gradient(circle at 45% 80%,rgba(53,83,90,.07) 0 2.4px,transparent 3px),radial-gradient(circle at 85% 15%,rgba(255,255,255,.9) 0 1.1px,transparent 1.6px);
  background-size:46px 46px,62px 62px,88px 88px,34px 34px}
.survey-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:36px 72px;align-items:start}
.survey h2{font-size:clamp(28px,3.4vw,40px);margin-top:12px}
.survey-close{margin-top:18px;font-size:16.5px;color:var(--text);max-width:440px}
.survey .btn{margin-top:26px}
.lines{list-style:none;padding:0;border-top:1px solid var(--tint2)}
.lines li{display:flex;align-items:baseline;gap:16px;padding:17px 0;border-bottom:1px solid var(--tint2);font-family:var(--fd);font-weight:500;font-size:21px;line-height:1.3;color:var(--ink)}
.lines li::before{content:"";flex:0 0 16px;height:2px;border-radius:2px;background:var(--ochre);transform:translateY(-6px)}
@media(max-width:860px){.survey{padding:64px 0}.survey-grid{grid-template-columns:1fr}.lines li{font-size:18.5px;padding:15px 0}}

/* three layers, widening downward */
.strata{padding:96px 0 92px}
.sec-head{max-width:720px;margin:0 auto;text-align:center}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);margin-top:12px}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}
.layers{list-style:none;padding:0;margin:46px auto 0;max-width:980px;display:flex;flex-direction:column;align-items:center}
.layer{width:100%;display:grid;grid-template-columns:96px 1fr;gap:6px 22px;align-items:start;background:var(--card);border:1px solid var(--line);border-left:3px solid var(--accent);padding:24px 30px 24px 22px;margin-top:-1px}
.layer:nth-child(1){max-width:72%;border-radius:12px 12px 0 0}
.layer:nth-child(2){max-width:86%;border-left-width:5px}
.layer:nth-child(3){border-left-width:7px;border-radius:0 0 12px 12px;box-shadow:0 34px 40px -36px rgba(26,36,39,.6)}
.layer .n{grid-row:span 2;font-family:var(--fd);font-weight:700;font-size:46px;line-height:.95;letter-spacing:-.03em;color:var(--tint2)}
.layer h3{font-size:21px;padding-top:2px}
.layer p{font-size:16.5px;color:var(--text)}
.layers::after{content:"";display:block;width:100%;height:1px;margin-top:20px;background:linear-gradient(90deg,rgba(53,83,90,.42) calc(50% - 22px),var(--ochre) calc(50% - 22px),var(--ochre) calc(50% + 22px),rgba(53,83,90,.42) calc(50% + 22px))}
.strata-note{margin-top:20px;text-align:center;font-size:15px;color:var(--muted)}
@media(max-width:760px){.strata{padding:64px 0 60px}.layer,.layer:nth-child(1),.layer:nth-child(2){max-width:100%}.layer{grid-template-columns:52px 1fr;gap:4px 14px;padding:20px 18px 20px 16px}.layer .n{font-size:32px}.layer h3{font-size:19px}}

/* before you borrow: strata-gate artwork + facts */
.bearing{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:96px 0}
.bearing-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px 64px;align-items:center}
.bearing .art{width:100%;border-radius:20px}
.bearing h2{font-size:clamp(28px,3.4vw,40px);margin-top:12px}
.bearing-lead{margin-top:12px;color:var(--muted);font-size:17px}
.facts{list-style:none;padding:0;margin-top:24px;border-top:1px solid var(--line)}
.facts li{display:grid;grid-template-columns:16px 1fr;gap:3px 14px;padding:17px 0;border-bottom:1px solid var(--line)}
.facts li::before{content:"";grid-row:span 2;width:16px;height:11px;margin-top:6px;background:var(--accent);clip-path:polygon(0 100%,32% 38%,48% 56%,70% 0,100% 100%)}
.facts h3{font-size:18.5px}
.facts p{font-size:16px;color:var(--text)}
@media(max-width:900px){.bearing{padding:64px 0}.bearing-grid{grid-template-columns:1fr;gap:34px}.bearing .art{max-width:560px;margin:0 auto}}

/* faq: sticky heading + gate-marker accordion */
.faq{padding:96px 0}
.faq-grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:36px 64px;align-items:start}
.faq-head{position:sticky;top:28px}
.faq-head h2{font-size:clamp(28px,3.4vw,40px);margin-top:12px}
.faq-head p{margin-top:14px;color:var(--muted);font-size:16px}
.qs{display:flex;flex-direction:column;gap:10px}
.q{background:var(--card);border:1px solid var(--line);border-radius:12px;transition:border-color .15s,box-shadow .15s}
.q summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;border-radius:12px}
.q summary::-webkit-details-marker{display:none}
.q summary h3{font-size:17.5px;line-height:1.35}
.q summary svg{flex:0 0 22px;width:22px;height:13px;transition:transform .2s}
.q[open]{border-color:var(--tint2);box-shadow:0 18px 30px -26px rgba(26,36,39,.5)}
.q[open] summary svg{transform:rotate(180deg)}
.q .a{padding:0 20px 20px;font-size:16px;color:var(--text)}
@media(max-width:860px){.faq{padding:64px 0}.faq-grid{grid-template-columns:1fr}.faq-head{position:static}.q summary{padding:16px}.q .a{padding:0 16px 18px}.q summary h3{font-size:16.5px}}
/* closing slate band */
.footing{position:relative;overflow:hidden;background-color:var(--accent-deep);color:var(--foot-text);padding:92px 0 0;
  background-image:radial-gradient(circle at 25% 35%,rgba(255,255,255,.07) 0 1.4px,transparent 2px),radial-gradient(circle at 75% 70%,rgba(211,154,74,.14) 0 1.2px,transparent 1.8px),radial-gradient(circle at 50% 10%,rgba(201,212,213,.06) 0 2.2px,transparent 2.8px);
  background-size:52px 52px,74px 74px,96px 96px}
.footing-in{position:relative;z-index:1;max-width:720px;margin:0 auto;padding:0 20px;text-align:center}
.footing .kicker{color:#C6D0D2}
.footing h2{color:#fff;font-size:clamp(30px,4vw,46px);margin-top:12px}
.footing p{margin-top:14px;font-size:17px;color:var(--foot-text)}
.footing .btn{margin-top:28px}
.footing-art{display:block;width:100%;height:auto;margin-top:58px}
@media(max-width:600px){.footing{padding-top:64px}.footing-art{margin-top:40px}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:34px 0 40px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:20px 40px;align-items:start;padding-bottom:24px;border-bottom:1px solid rgba(208,217,218,.14)}
.foot .brand{display:inline-flex}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:10px;max-width:500px;font-size:14.5px;color:var(--foot-text)}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fd);font-weight:500;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(237,195,135,.5);padding-bottom:2px}
.legal-links{margin-top:22px}
.legal-links a{color:var(--foot-link);text-decoration:none;font-size:14px}
.legal-links a:hover{text-decoration:underline}
.disc{margin-top:22px;padding-top:18px;border-top:1px solid rgba(208,217,218,.14)}
.disc p{margin-top:10px;color:var(--foot-text)}
.disc b{color:#fff}
.disc a{color:var(--foot-link)}
@media(max-width:700px){.foot-top{grid-template-columns:1fr}}

/* legal and subpages */
.wrap.prose{max-width:780px;padding-top:56px;padding-bottom:84px}
.prose h1{font-size:clamp(30px,4vw,42px);margin-bottom:10px}
.prose p.updated{margin-bottom:26px;padding-bottom:18px;border-bottom:1px solid var(--line);font-size:14px;color:var(--muted)}
.prose h2{font-size:22px;margin:36px 0 10px}
.prose p{margin:0 0 14px;color:var(--text)}
.prose strong{color:var(--ink);font-weight:600}
.prose ul{margin:0 0 16px;padding-left:22px}
.prose ul>li{margin:6px 0}
.prose ul>li::marker{color:var(--ochre)}
.prose a{color:var(--accent);text-decoration-color:var(--ochre);text-underline-offset:3px}
.prose a.btn{text-decoration:none;margin:6px 10px 6px 0}
.prose a.btn.btn-primary{color:#fff}
.prose a.btn.btn-ghost{color:var(--ink)}
@media(max-width:600px){.wrap.prose{padding-top:40px;padding-bottom:60px}}

/* form at top of first screen */
.hero{padding-top:56px!important}
.hero-window{height:200px!important}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}