:root{
  --oak:#14352B; --oak2:#1F5F4A; --brass:#B98A2F; --brass-soft:#F3E7C7;
  --ink:#16211D; --mut:#62726B; --line:#DFE6E2; --bg:#F2F5F3; --card:#fff;
  --red:#B3382C; --red-soft:#FBEAE7; --grn:#1F7A4F; --grn-soft:#E3F3EA; --blu:#2A5E8C; --blu-soft:#E5EFF8;
  --r:12px; --nav:64px; --side:244px;
}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,sans-serif;background:var(--bg);color:var(--ink);font-size:15px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
ul{list-style:none;padding:0}
button,input,select{font:inherit;color:inherit}
:focus-visible{outline:3px solid #8DBBA9;outline-offset:2px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;border-radius:8px;z-index:100}
.skip:focus{left:8px}

/* nav */
.topnav{position:fixed;inset:0 0 auto 0;height:var(--nav);background:#fff;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:28px;padding:0 24px;z-index:40}
.brand{display:flex;align-items:center;gap:10px}
.brand-name{font-weight:600;font-size:18px;letter-spacing:-.01em}
.brand-name b{font-weight:800;color:var(--oak2)}
.toplinks{display:flex;gap:4px;margin-left:8px}
.toplinks a{padding:8px 12px;border-radius:8px;font-weight:600;color:var(--mut);transition:background .15s,color .15s}
.toplinks a:hover{background:var(--bg);color:var(--ink)}
.toplinks a.on{color:var(--oak2);background:#E8F1ED}
.nav-right{margin-left:auto;display:flex;align-items:center;gap:8px}
.icon-btn{position:relative;width:40px;height:40px;display:grid;place-items:center;border:0;background:transparent;border-radius:10px;cursor:pointer;color:var(--ink)}
.icon-btn:hover{background:var(--bg)}
.icon-btn .dot{position:absolute;top:9px;right:10px;width:8px;height:8px;border-radius:50%;background:var(--brass);border:2px solid #fff}
.menu-btn{display:none}
.user-btn{display:flex;align-items:center;gap:8px;border:1px solid var(--line);background:#fff;padding:5px 10px 5px 5px;border-radius:999px;cursor:pointer}
.avatar{width:30px;height:30px;border-radius:50%;background:var(--oak2);color:#fff;display:grid;place-items:center;font-weight:700;font-size:13px}
.user-name{font-weight:600;font-size:14px}
.dropdown{position:relative}
.drop-panel{position:absolute;top:calc(100% + 8px);min-width:250px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 12px 32px rgba(20,53,43,.14);padding:6px;opacity:0;transform:translateY(-6px);pointer-events:none;transition:opacity .16s,transform .16s}
.drop-panel.right{right:0}
.dropdown.open .drop-panel{opacity:1;transform:none;pointer-events:auto}
.drop-title{padding:8px 10px;font-weight:700;font-size:13px;color:var(--mut)}
.drop-item{display:block;width:100%;text-align:left;border:0;background:transparent;padding:10px;border-radius:8px;cursor:pointer}
.drop-item b{display:block;font-weight:600;font-size:14px}
.drop-item span{display:block;font-size:13px;color:var(--mut)}
.drop-item:hover{background:var(--bg)}
.drop-item.danger b{color:var(--red)}

/* shell + sidebar */
.shell{display:flex;padding-top:var(--nav);min-height:100vh}
.sidebar{position:fixed;top:var(--nav);bottom:0;left:0;width:var(--side);background:var(--oak);color:#CFE0D8;padding:20px 14px;display:flex;flex-direction:column;gap:20px;z-index:30;overflow-y:auto}
.sidebar a{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:10px;font-weight:600;color:#BFD3CA;transition:background .15s,color .15s}
.sidebar a:hover{background:rgba(255,255,255,.07);color:#fff}
.sidebar a.on{background:rgba(230,199,126,.14);color:#F1DDA4;box-shadow:inset 3px 0 0 var(--brass)}
.sidebar li+li{margin-top:2px}
.side-card{margin-top:auto;background:rgba(255,255,255,.06);border-radius:var(--r);padding:14px;display:flex;flex-direction:column;gap:4px;font-size:13px}
.side-card b{color:#fff;font-size:14px}
.side-card a{padding:0;color:#F1DDA4;font-weight:700;display:inline}
.scrim{display:none}
.main-col{margin-left:var(--side);flex:1;min-width:0;display:flex;flex-direction:column}
.content{padding:8px 32px 40px;flex:1;width:100%;max-width:1180px}

/* page header */
.page-head{padding:28px 32px 16px;display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap}
.crumbs{font-size:13px;color:var(--mut)}
.page-head h1{font-size:28px;letter-spacing:-.02em;line-height:1.2;margin-top:2px}
.sub{color:var(--mut);margin-top:4px;max-width:60ch}
.head-actions{display:flex;gap:10px}

/* buttons + forms */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid transparent;border-radius:10px;padding:11px 18px;font-weight:700;cursor:pointer;transition:background .15s,transform .1s,box-shadow .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--oak2);color:#fff}
.btn-primary:hover{background:#184c3b}
.btn-brass{background:var(--brass);color:#1B1304}
.btn-brass:hover{background:#A87B25}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{background:var(--bg)}
.btn-lg{padding:14px 22px;font-size:16px}
.btn-block{width:100%}
.btn[disabled]{opacity:.6;cursor:not-allowed}
.spin{width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.field label{font-weight:600;font-size:14px}
.field .hint{font-size:12.5px;color:var(--mut)}
.input{width:100%;border:1.5px solid var(--line);background:#fff;border-radius:10px;padding:11px 12px;transition:border-color .15s,box-shadow .15s}
.input:focus{outline:0;border-color:var(--oak2);box-shadow:0 0 0 3px rgba(31,95,74,.16)}
.field.err .input{border-color:var(--red);background:#FFFAF9}
.err-msg{display:none;color:var(--red);font-size:13px;font-weight:600}
.field.err .err-msg{display:block;animation:shake .3s}
@keyframes shake{25%{transform:translateX(-4px)}75%{transform:translateX(4px)}}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px}
.check input{margin-top:4px;accent-color:var(--oak2);width:16px;height:16px}

/* cards + shared */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.card h2{font-size:17px;letter-spacing:-.01em}
.card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;gap:12px}
.badge{display:inline-block;padding:3px 10px;border-radius:999px;font-size:12.5px;font-weight:700}
.badge.ok{background:var(--grn-soft);color:var(--grn)} .badge.warn{background:var(--brass-soft);color:#7A5710} .badge.info{background:var(--blu-soft);color:var(--blu)}
.stack{display:grid;gap:20px}
.cols{display:grid;grid-template-columns:1.6fr 1fr;gap:20px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.stat span{color:var(--mut);font-size:13.5px;font-weight:600}
.stat strong{display:block;font-size:26px;letter-spacing:-.02em;margin-top:2px}
.stat small{color:var(--mut)}

/* hero (no loan) */
.hero{display:grid;grid-template-columns:1.05fr 1fr;gap:28px;align-items:stretch}
.hero-copy{background:var(--oak);color:#fff;border-radius:16px;padding:40px;position:relative;overflow:hidden;animation:rise .6s cubic-bezier(.2,.7,.2,1) both}
.hero-copy::after{content:"";position:absolute;right:-70px;bottom:-70px;width:260px;height:260px;border-radius:50%;border:38px solid rgba(230,199,126,.1)}
.hero-copy h2{font-family:'Fraunces',serif;font-weight:600;font-size:38px;line-height:1.12;letter-spacing:-.02em;max-width:14ch}
.hero-copy p{color:#BFD3CA;margin-top:14px;max-width:44ch}
.perks{margin-top:26px;display:grid;gap:10px;position:relative;z-index:1}
.perks li{display:flex;gap:10px;align-items:center;font-weight:600;font-size:14.5px}
.perks svg{flex:none;color:#E6C77E}
.calc{animation:rise .6s .1s cubic-bezier(.2,.7,.2,1) both;padding:28px}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.amount-out{font-family:'Fraunces',serif;font-weight:600;font-size:46px;letter-spacing:-.02em;line-height:1.1}
.range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:linear-gradient(to right,var(--oak2) var(--p,30%),#DDE5E1 var(--p,30%));margin:16px 0 4px;outline-offset:6px}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--oak2);box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:pointer}
.range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--oak2);cursor:pointer}
.range-lbl{display:flex;justify-content:space-between;font-size:12.5px;color:var(--mut)}
.seg{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin:8px 0 20px}
.seg button{border:1.5px solid var(--line);background:#fff;border-radius:10px;padding:9px 0;font-weight:700;cursor:pointer;transition:all .15s}
.seg button:hover{border-color:var(--oak2)}
.seg button.on{background:var(--oak2);border-color:var(--oak2);color:#fff}
.quote{background:var(--bg);border-radius:10px;padding:14px 16px;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:18px}
.quote span{display:block;font-size:12.5px;color:var(--mut);font-weight:600}
.quote b{font-size:17px}
.fine{font-size:12.5px;color:var(--mut);margin-top:10px;text-align:center}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:6px}
.step b{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brass-soft);color:#7A5710;margin-bottom:10px}
.step p{color:var(--mut);font-size:14px}
.types{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.type{border:1px solid var(--line);border-radius:var(--r);padding:16px;background:#fff;cursor:pointer;text-align:left;transition:border-color .15s,box-shadow .15s}
.type:hover{border-color:var(--oak2);box-shadow:0 6px 18px rgba(20,53,43,.08)}
.type b{display:block} .type span{font-size:13px;color:var(--mut)}
details.faq{border-bottom:1px solid var(--line);padding:14px 0}
details.faq:last-child{border:0}
details.faq summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between}
details.faq summary::after{content:"+";font-size:20px;line-height:1;color:var(--oak2)}
details.faq[open] summary::after{content:"–"}
details.faq p{color:var(--mut);margin-top:8px;max-width:70ch}

/* active loan */
.loan-hero{background:var(--oak);color:#fff;border-radius:16px;padding:28px;display:grid;grid-template-columns:1.3fr 1fr;gap:24px;animation:rise .55s cubic-bezier(.2,.7,.2,1) both}
.loan-hero .lbl{color:#9DB8AC;font-weight:600;font-size:13.5px}
.loan-hero .big{font-family:'Fraunces',serif;font-weight:600;font-size:44px;letter-spacing:-.02em;line-height:1.1}
.bar{height:10px;background:rgba(255,255,255,.14);border-radius:99px;overflow:hidden;margin:16px 0 6px}
.bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,#E6C77E,#C99A3B);border-radius:99px;transition:width 1.1s cubic-bezier(.2,.7,.2,1) .2s}
.next{background:rgba(255,255,255,.07);border-radius:var(--r);padding:18px;display:flex;flex-direction:column;gap:6px}
table{width:100%;border-collapse:collapse;font-size:14px}
th{text-align:left;color:var(--mut);font-weight:600;font-size:13px;padding:8px 6px;border-bottom:1px solid var(--line)}
td{padding:12px 6px;border-bottom:1px solid var(--line)}
tr:last-child td{border:0}
td.r,th.r{text-align:right}
.switch{position:relative;width:44px;height:26px;border-radius:99px;border:0;background:#C9D3CE;cursor:pointer;transition:background .2s;flex:none}
.switch::after{content:"";position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;transition:transform .2s}
.switch[aria-checked=true]{background:var(--oak2)} .switch[aria-checked=true]::after{transform:translateX(18px)}
.row{display:flex;justify-content:space-between;align-items:center;gap:14px}

/* modal */
.modal{position:fixed;inset:0;background:rgba(14,30,25,.55);display:grid;place-items:center;padding:16px;z-index:60;opacity:0;pointer-events:none;transition:opacity .2s}
.modal.open{opacity:1;pointer-events:auto}
.sheet{background:#fff;border-radius:16px;width:100%;max-width:580px;max-height:calc(100vh - 32px);overflow:auto;transform:translateY(16px) scale(.98);transition:transform .25s cubic-bezier(.2,.7,.2,1)}
.modal.open .sheet{transform:none}
.sheet-head{padding:22px 26px 0;display:flex;justify-content:space-between;align-items:flex-start}
.sheet-body{padding:18px 26px 8px}
.sheet-foot{padding:14px 26px 22px;display:flex;justify-content:space-between;gap:10px}
.progress{display:flex;gap:6px;padding:14px 26px 0}
.progress i{flex:1;height:5px;border-radius:99px;background:#DDE5E1;transition:background .3s}
.progress i.on{background:var(--oak2)}
.wstep{display:none} .wstep.on{display:block;animation:rise .3s both}
.review{background:var(--bg);border-radius:10px;padding:6px 16px;margin-bottom:14px}
.review div{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid var(--line);font-size:14px}
.review div:last-child{border:0} .review span{color:var(--mut)}
.success-box{text-align:center;padding:30px 26px 28px}
.success-box .tick{width:64px;height:64px;border-radius:50%;background:var(--grn-soft);color:var(--grn);display:grid;place-items:center;margin:0 auto 14px;animation:pop .45s cubic-bezier(.2,1.4,.4,1) both}
@keyframes pop{from{transform:scale(.5);opacity:0}to{transform:none;opacity:1}}

/* toasts */
.toasts{position:fixed;top:78px;right:20px;display:grid;gap:10px;z-index:90;width:min(380px,calc(100vw - 32px))}
.toast{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-left:5px solid var(--blu);border-radius:12px;padding:14px 14px 14px 16px;box-shadow:0 12px 30px rgba(20,53,43,.16);animation:slidein .35s cubic-bezier(.2,.8,.2,1) both}
.toast.out{animation:slideout .25s ease-in both}
.toast.success{border-left-color:var(--grn)} .toast.error{border-left-color:var(--red)}
.toast .t-ico{flex:none;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:var(--blu-soft);color:var(--blu)}
.toast.success .t-ico{background:var(--grn-soft);color:var(--grn)} .toast.error .t-ico{background:var(--red-soft);color:var(--red)}
.toast b{display:block;font-size:14.5px} .toast span{font-size:13.5px;color:var(--mut)}
.toast .x{margin-left:auto;border:0;background:transparent;cursor:pointer;color:var(--mut);font-size:20px;line-height:1}
@keyframes slidein{from{opacity:0;transform:translateX(30px)}to{opacity:1;transform:none}}
@keyframes slideout{to{opacity:0;transform:translateX(30px)}}

/* footer */
.footer{border-top:1px solid var(--line);background:#fff;padding:26px 32px}
.foot-row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.foot-brand{display:grid;max-width:340px;font-size:14px;color:var(--mut)} .foot-brand b{color:var(--ink);font-size:16px}
.foot-links{display:flex;gap:18px;flex-wrap:wrap;font-weight:600;font-size:14px;color:var(--mut)}
.foot-links a:hover{color:var(--oak2)}
.legal{margin-top:16px;font-size:12px;color:#7A8982;max-width:110ch}

/* responsive */
@media (max-width:1080px){.hero,.cols,.loan-hero{grid-template-columns:1fr}.types,.steps{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:1fr}}
@media (max-width:900px){
  .menu-btn{display:grid}.toplinks,.user-name{display:none}
  .sidebar{transform:translateX(-100%);transition:transform .28s cubic-bezier(.2,.7,.2,1)}
  body.menu-open .sidebar{transform:none}
  .scrim{display:block;position:fixed;inset:var(--nav) 0 0 0;background:rgba(14,30,25,.45);z-index:25;opacity:0;pointer-events:none;transition:opacity .2s}
  body.menu-open .scrim{opacity:1;pointer-events:auto}
  .main-col{margin-left:0}.content{padding:8px 16px 32px}.page-head{padding:22px 16px 12px}.footer{padding:22px 16px}
  .topnav{gap:10px;padding:0 12px}
}
@media (max-width:560px){.grid2{grid-template-columns:1fr}.hero-copy{padding:28px}.hero-copy h2{font-size:30px}.types,.steps{grid-template-columns:1fr}.amount-out{font-size:38px}.toasts{top:72px;right:16px}}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}