/* Lender Friend — static site styles. No frameworks, no build step. */
:root{
  --navy:#0a2160;
  --navy-light:#173d7d;
  --accent:#1b87c9;
  --accent-dark:#12679c;
  --ink:#22303e;
  --muted:#5a6a78;
  --bg:#ffffff;
  --bg-alt:#f2f5f8;
  --line:#d9e1e8;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  font-size:17px;
}
a{color:var(--navy-light);text-decoration:underline}
a:hover{color:var(--accent-dark)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
.site-header{background:var(--navy);color:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;flex-wrap:wrap}
.wordmark{color:#fff;text-decoration:none;line-height:1.15}
.wordmark .name{display:block;font-size:1.45rem;font-weight:700;letter-spacing:.2px}
.wordmark .tag{display:block;font-size:.8rem;color:#c8d5e2;font-weight:400}
.header-cta{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.header-cta .phone{color:#fff;text-decoration:none;font-weight:600;white-space:nowrap}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;
  padding:11px 22px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;transition:background .15s ease}
.btn:hover{background:var(--accent-dark);color:#fff}
.btn.secondary{background:transparent;border:2px solid #fff;color:#fff}
.btn.secondary:hover{border-color:#7fc3e8;color:#7fc3e8}
.main-nav{background:var(--navy-light);border-bottom:3px solid var(--accent)}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap}
.main-nav a{display:block;color:#e7eef5;text-decoration:none;padding:10px 14px;font-size:.95rem}
.main-nav a:hover{background:rgba(255,255,255,.08);color:#fff}
.main-nav a[aria-current="page"]{background:rgba(255,255,255,.14);color:#fff;font-weight:600}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:56px 0 48px}
.hero .eyebrow{text-transform:uppercase;letter-spacing:1.6px;font-size:.8rem;color:#c8d5e2;margin:0 0 10px}
.hero h1{font-size:2.35rem;line-height:1.2;margin:0 0 16px;max-width:22em;color:#fff}
.hero p.lede{font-size:1.15rem;color:#e7eef5;max-width:44em;margin:0 0 22px}
.hero .badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.badge{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.25);border-radius:var(--radius);
  padding:12px 16px;min-width:200px}
.badge strong{display:block;color:#fff}
.badge span{color:#c8d5e2;font-size:.92rem}
.offer-banner{background:#eaf4fb;border:1px solid #bcdcf2;border-left:5px solid var(--accent);
  border-radius:8px;padding:16px 20px;margin:26px 0;color:var(--ink)}
.offer-banner p{margin:0}
.offer-banner .offer-title{font-weight:700;color:var(--navy);font-size:1.05rem}
.offer-banner .fineprint{font-size:.88rem;color:var(--muted);margin-top:6px}

/* Sections */
section.block{padding:44px 0}
section.block.alt{background:var(--bg-alt)}
.kicker{text-transform:uppercase;letter-spacing:1.4px;font-size:.78rem;color:var(--accent-dark);
  font-weight:700;margin:0 0 6px}
h1{font-size:2rem;line-height:1.25;color:var(--navy)}
h2{font-size:1.6rem;line-height:1.3;color:var(--navy);margin:0 0 14px}
h3{font-size:1.12rem;color:var(--navy);margin:0 0 6px}
p{margin:0 0 14px}
.grid{display:grid;gap:18px}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;
  box-shadow:0 1px 3px rgba(10,33,96,.06)}
section.alt .card{background:#fff}
ul.checks{list-style:none;margin:0;padding:0}
ul.checks li{padding:10px 0 10px 28px;position:relative;border-bottom:1px solid var(--line);line-height:1.45}
ul.checks li:last-child{border-bottom:0}
ul.checks li::before{content:"✓";position:absolute;left:2px;top:10px;color:var(--accent-dark);font-weight:700}
.steps{counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;
  box-shadow:0 1px 3px rgba(10,33,96,.06)}
.step .num{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;
  border-radius:50%;background:var(--accent);color:#fff;font-weight:700;margin-bottom:10px}
.faq-item{border-bottom:1px solid var(--line);padding:14px 0}
.faq-item:last-child{border-bottom:0}
.faq-item p{margin:4px 0 0}
.faq-item .q{font-weight:700;color:var(--navy)}
.loan-types{font-weight:600;color:var(--navy);letter-spacing:.3px}
table.licenses{width:100%;border-collapse:collapse;margin:14px 0 20px}
table.licenses th,table.licenses td{border:1px solid var(--line);padding:10px 12px;text-align:left}
table.licenses th{background:var(--navy);color:#fff}
table.licenses tr:nth-child(even) td{background:var(--bg-alt)}
.cta-band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:30px;margin:10px 0 0}
.cta-band h2{color:#fff}
.cta-band a{color:#a8d4f0}
.state-links{font-size:.95rem;color:var(--muted)}
.legal h2{margin-top:30px}
.legal h2:first-of-type{margin-top:18px}

/* Contact form */
form.contact{display:grid;gap:14px;max-width:640px}
form.contact label{font-weight:600;color:var(--navy);display:block;margin-bottom:4px}
form.contact input,form.contact textarea{width:100%;padding:11px 12px;border:1px solid var(--line);
  border-radius:8px;font:inherit;background:#fff}
form.contact input:focus,form.contact textarea:focus{outline:2px solid var(--accent);outline-offset:1px}
.form-note{font-size:.9rem;color:var(--muted)}

/* Footer */
.site-footer{background:var(--navy);color:#dbe5ee;margin-top:0;padding:38px 0 26px;font-size:.95rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:8px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:4px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.2);margin-top:26px;padding-top:16px;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;color:#c8d5e2}

@media (max-width:820px){
  .grid.cols-2,.grid.cols-3,.grid.cols-4,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:1.8rem}
  h1{font-size:1.6rem}
  .header-inner{flex-direction:column;align-items:flex-start}
}
.hero-logo{max-width:280px;width:60%;height:auto;display:block;margin:.5rem 0 1.25rem;background:#fff;padding:14px 18px;border-radius:12px}