:root{--navy:#0c0829;--sky:#a7d1ff;--indigo:#202448;--accent:#0089f7;--ink:#16182d;--purple:#45158f;--bg:#f6f8fd;--card:#fff;--line:#dfe5f2}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3{font-family:Syne,Poppins,sans-serif;line-height:1.2;color:var(--navy)}
a{color:var(--accent)}img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.top{background:var(--purple);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
header.top img.logo{height:56px;display:block}
nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;flex-wrap:wrap}
nav a{display:block;color:#fff;text-decoration:none;padding:8px 12px;border-radius:8px;font-size:.92rem}
nav a:hover,nav a.on{background:rgba(255,255,255,.16)}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.5);color:#fff;border-radius:8px;padding:8px 12px;font:inherit}
.hero{background:linear-gradient(135deg,var(--navy),var(--indigo));color:#fff;padding:72px 0 80px}
.hero h1{color:#fff;font-size:clamp(2rem,5vw,3.2rem);margin:0 0 14px;max-width:760px}
.hero p{max-width:640px;color:#d8e6ff;font-size:1.08rem}
.hero.small{padding:48px 0 52px}.hero.small h1{font-size:clamp(1.7rem,4vw,2.4rem)}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;padding:12px 24px;border-radius:10px;border:0;cursor:pointer;font:inherit;font-weight:600}
.btn.alt{background:transparent;border:1.5px solid var(--sky);color:var(--sky)}
.btn:hover{filter:brightness(1.1)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
section{padding:56px 0}section.alt{background:#eaf1ff}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.card h3{margin:0 0 8px;font-size:1.15rem}.card p{margin:0 0 10px;color:#40445c}
.card a.more{font-weight:600;text-decoration:none}
.lead{font-size:1.1rem;color:#40445c;max-width:760px}
.lenders{display:grid;grid-template-columns:repeat(auto-fill,minmax(130px,1fr));gap:12px;margin-top:20px}
.lenders div{background:#fff;border:1px solid var(--line);border-radius:12px;min-height:64px;display:flex;align-items:center;justify-content:center;padding:10px;font-weight:600;font-size:.85rem;text-align:center;color:#5a5f7a}
.lenders img{max-height:40px;max-width:110px;object-fit:contain}
ul.tick{list-style:none;padding:0}ul.tick li{padding:6px 0 6px 30px;position:relative}
ul.tick li:before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:700}
.steps{counter-reset:s;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps div{counter-increment:s;background:#fff;border-radius:16px;border:1px solid var(--line);padding:22px}
.steps div:before{content:counter(s);display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:8px}
form.f{display:grid;gap:14px;max-width:620px}
form.f label{font-weight:600;font-size:.9rem;display:grid;gap:6px}
form.f input,form.f textarea,form.f select,.calc input,.calc select{font:inherit;padding:11px 12px;border:1px solid #c5cde3;border-radius:10px;width:100%;background:#fff}
.calc{display:grid;gap:12px;max-width:520px}.calc label{font-weight:600;font-size:.9rem;display:grid;gap:6px}
.result{background:var(--navy);color:#fff;border-radius:14px;padding:18px 20px;margin-top:8px}.result b{font-size:1.5rem;color:var(--sky);font-family:Syne,sans-serif}
.note{font-size:.82rem;color:#5a5f7a}
.team .ph{width:100%;max-width:200px;aspect-ratio:1;object-fit:cover;object-position:center 40%;border-radius:50%;display:block;margin:0 0 14px}.role{font-weight:600;color:var(--accent)!important}
.todo{background:#fff4cc;border:1px dashed #c9a400;padding:2px 6px;border-radius:6px}
footer{background:var(--navy);color:#c4cde8;padding:44px 0 28px;font-size:.88rem}
footer a{color:var(--sky)}footer h4{color:#fff;margin:0 0 8px;font-family:Syne,sans-serif}
footer .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
footer ul{list-style:none;padding:0;margin:0}footer li{padding:3px 0}
.legal{border-top:1px solid #2a2f58;margin-top:26px;padding-top:18px;font-size:.78rem;color:#98a2c8}
.prose h2{margin-top:28px;font-size:1.25rem}.prose p,.prose li{color:#33374f}
@media(max-width:820px){.menu-btn{display:block}nav{display:none;width:100%}nav.open{display:block}header.top .wrap{flex-wrap:wrap;padding-top:8px;padding-bottom:8px}nav ul{flex-direction:column}}