/* Smart Buyer Hub v2 — bold design system. Navy + sky brand. */
:root{
  --navy:#002A42;        /* deepest */
  --navy2:#003B5C;       /* brand navy */
  --navy3:#0A4E72;
  --sky:#009CDC;         /* brand accent */
  --sky2:#33B6E6;        /* lighter accent for dark bg */
  --sky-soft:#E2F4FC;
  --ink:#0A2233;         /* headings */
  --text:#52616B;        /* body */
  --dim:#7C8A95;
  --bg:#FFFFFF;
  --soft:#F4F8FB;
  --line:#E5EAF0;
  --line2:#D5DEE8;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 2px 10px rgba(0,42,66,.06);
  --shadow:0 16px 40px rgba(0,42,66,.10);
  --shadow-lg:0 30px 60px rgba(0,42,66,.18);
  --maxw:1180px;
  --ease:cubic-bezier(.22,.61,.36,1);
  --sans:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --display:'Sora','Montserrat',sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--text);background:var(--bg);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);line-height:1.1;letter-spacing:-.02em;margin:0 0 .45em;font-weight:800}
h1{font-size:clamp(2.4rem,5vw,4rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.7rem)}
h3{font-size:1.35rem}
p{margin:0 0 1rem}
a{color:var(--sky);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.center{text-align:center}
.eyebrow{font-family:var(--display);font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;color:var(--sky);font-weight:700;display:inline-flex;align-items:center;gap:10px;margin-bottom:14px}
.eyebrow::before{content:"";width:30px;height:2px;background:var(--sky)}
.center .eyebrow{justify-content:center}
.lede{font-size:1.15rem;color:var(--dim);max-width:62ch}
.center .lede{margin-left:auto;margin-right:auto}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-weight:700;font-size:1rem;padding:15px 30px;border-radius:999px;border:1.6px solid transparent;cursor:pointer;transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .25s;text-align:center}
.btn-sky{background:var(--sky);color:#fff;box-shadow:0 10px 26px rgba(0,156,220,.32)}
.btn-sky:hover{background:#0089c4;transform:translateY(-3px);box-shadow:0 18px 36px rgba(0,156,220,.42)}
.btn-navy{background:var(--navy2);color:#fff}
.btn-navy:hover{background:var(--navy);transform:translateY(-3px);box-shadow:var(--shadow)}
.btn-ghost{border-color:var(--line2);color:var(--navy2);background:transparent}
.btn-ghost:hover{border-color:var(--sky);color:var(--sky);transform:translateY(-3px)}
.btn-light{background:#fff;color:var(--navy2)}
.btn-light:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.btn-white-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-white-ghost:hover{background:rgba(255,255,255,.1);transform:translateY(-3px)}

/* header */
.site-head{position:sticky;top:0;z-index:60;transition:all .35s var(--ease);background:#fff;border-bottom:1px solid var(--line)}
.site-head.over-hero{position:fixed;left:0;right:0;background:transparent;border-bottom-color:transparent}
.site-head.scrolled{background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(12px);border-bottom-color:var(--line);box-shadow:0 6px 24px rgba(0,42,66,.06)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px}
.brand img{height:50px;width:auto;transition:.3s}
.brand-w{display:none}
.site-head.over-hero:not(.scrolled) .brand-c{display:none}
.site-head.over-hero:not(.scrolled) .brand-w{display:block}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;margin:0;padding:0}
.nav-links>li{position:relative}
.nav-links>li>a{color:var(--navy2);font-weight:600;font-size:.95rem;display:inline-flex;align-items:center;gap:5px;padding:28px 0}
.over-hero:not(.scrolled) .nav-links>li>a{color:#eaf3fa}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--sky)}
.over-hero:not(.scrolled) .nav-links>li>a.active{color:#fff}
.caret{width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;opacity:.7}
.dropdown{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(6px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:10px;min-width:240px;opacity:0;visibility:hidden;transition:.2s}
.nav-links>li:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.dropdown a{display:block;color:var(--navy2);font-weight:500;font-size:.9rem;padding:10px 14px;border-radius:9px}
.dropdown a:hover{background:var(--sky-soft);color:var(--sky)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{color:var(--navy2);font-weight:700;white-space:nowrap}
.over-hero:not(.scrolled) .nav-phone{color:#fff}
.burger{display:none;background:none;border:0;width:42px;height:42px;cursor:pointer;color:var(--navy2);font-size:1.6rem}
.over-hero:not(.scrolled) .burger{color:#fff}
@media(max-width:980px){.nav-links,.nav-phone{display:none}.burger{display:block}}
.mobile-nav{display:none}
@media(max-width:980px){
  .mobile-nav{display:flex;position:fixed;inset:0;z-index:80;background:var(--navy);flex-direction:column;align-items:center;justify-content:center;gap:22px;opacity:0;visibility:hidden;transition:.3s}
  .mobile-nav.open{opacity:1;visibility:visible}
  .mobile-nav a{color:#fff;font-family:var(--display);font-size:1.5rem;font-weight:700}
  .mobile-nav .close{position:absolute;top:22px;right:24px;background:none;border:0;color:#fff;font-size:2rem;cursor:pointer}
}

/* hero */
.hero{position:relative;min-height:660px;display:flex;align-items:center;overflow:hidden;background:var(--navy)}
.hero-bg{position:absolute;inset:0;overflow:hidden}
.hero-slide{position:absolute;inset:0;background-size:cover;background-position:center;opacity:0;will-change:opacity,transform;animation:kb 21s infinite}
.hero-slide:nth-child(1){animation-delay:0s}
.hero-slide:nth-child(2){animation-delay:7s}
.hero-slide:nth-child(3){animation-delay:14s}
@keyframes kb{0%{opacity:0;transform:scale(1.05)}4%{opacity:1}29%{opacity:1}34%{opacity:0}100%{opacity:0;transform:scale(1.16)}}
@keyframes fade{0%{opacity:0}4%{opacity:1}29%{opacity:1}34%{opacity:0}100%{opacity:0}}
@media(prefers-reduced-motion:reduce){.hero-slide{animation-name:fade;transform:none}}
/* meet ryan video */
.video-frame{display:flex;justify-content:center}
.intro-video{width:300px;max-width:100%;aspect-ratio:9/16;border-radius:26px;border:8px solid #fff;box-shadow:var(--shadow-lg);background:var(--navy);object-fit:cover;cursor:pointer}
@media(max-width:820px){.intro-video{width:260px}}
.hero-scrim{position:absolute;inset:0;background:linear-gradient(105deg,rgba(0,28,46,.95) 28%,rgba(0,42,66,.74) 62%,rgba(0,156,220,.30))}
.hero .wrap{position:relative;z-index:2;width:100%}
.hero-inner{display:grid;grid-template-columns:1.08fr .92fr;gap:44px;align-items:center;padding:140px 0 84px}
.hero h1{color:#fff}
.hero h1 .hl{color:var(--sky2)}
.hero .eyebrow{color:var(--sky2)}
.hero-sub{font-size:1.24rem;color:#cfe2ee;max-width:32ch;margin:18px 0 30px}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.hero-trust{display:flex;gap:30px;flex-wrap:wrap;color:#9fc4da;font-size:.9rem}
.hero-trust b{color:#fff;font-family:var(--display);font-size:1.4rem;display:block;line-height:1}
.rate-card{background:rgba(255,255,255,.08);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow-lg)}
.rate-card .rt{display:flex;justify-content:space-between;align-items:center;color:#9fc4da;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase}
.rate-card .dot{width:8px;height:8px;border-radius:50%;background:var(--sky2);display:inline-block;margin-right:6px;box-shadow:0 0 0 0 rgba(51,182,230,.6);animation:pulse 2s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 11px rgba(51,182,230,0)}}
.rate-card .big{font-family:var(--display);font-size:3.4rem;font-weight:800;color:#fff;margin:14px 0 0;line-height:1}
.rate-card .big sup{font-size:1rem;color:var(--sky2);vertical-align:super}
.rate-card .cmp{color:#cfe2ee;font-size:.95rem;margin:2px 0 16px}
.rate-card .mini{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.14);padding-top:14px;color:#9fc4da;font-size:.78rem}
.rate-card .fine{color:#7e9bb0;font-size:.72rem;margin:12px 0 0}
@media(max-width:860px){.hero-inner{grid-template-columns:1fr;padding:120px 0 60px}.hero{min-height:auto}}

/* sections */
.section{padding:92px 0}
.section.soft{background:var(--soft)}
.section.navy{background:var(--navy2);color:#cfe2ee}
.section.navy h2,.section.navy h3{color:#fff}
.sec-head{text-align:center;max-width:62ch;margin:0 auto 56px}
.sec-head.left{text-align:left;margin-left:0}

/* intent cards */
.intent{margin-top:-56px;position:relative;z-index:5}
.intent-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.icard{background:#fff;border-radius:var(--radius-lg);padding:32px 28px;box-shadow:var(--shadow);position:relative;overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s var(--ease);display:block}
.icard::after{content:"";position:absolute;top:0;left:0;height:4px;width:100%;background:linear-gradient(90deg,var(--sky),var(--sky2));transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.icard:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}
.icard:hover::after{transform:scaleX(1)}
.icard .ic{width:54px;height:54px;border-radius:14px;background:var(--sky-soft);color:var(--sky);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.icard .ic svg{width:28px;height:28px}
.icard h3{font-size:1.4rem;color:var(--navy2);margin-bottom:6px}
.icard p{font-size:.95rem;margin-bottom:14px}
.icard .go{color:var(--sky);font-weight:700;display:inline-flex;align-items:center;gap:6px}
.icard .go svg{width:16px;height:16px;transition:transform .3s var(--ease)}
.icard:hover .go svg{transform:translateX(5px)}
@media(max-width:820px){.intent-grid{grid-template-columns:1fr}.intent{margin-top:-40px}}

/* cards3 / feature cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.fcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 28px;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.fcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.fcard .ic{width:60px;height:60px;border-radius:50%;background:var(--sky-soft);color:var(--sky);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.fcard .ic svg{width:28px;height:28px}
.fcard h3{font-size:1.3rem;color:var(--navy2)}
.fcard p{font-size:.95rem;margin:0}
@media(max-width:820px){.cards3{grid-template-columns:1fr}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{background:var(--soft);border-radius:var(--radius);border-bottom:4px solid var(--sky);padding:30px 22px;transition:transform .3s var(--ease)}
.step:hover{transform:translateY(-5px)}
.section.navy .step{background:rgba(255,255,255,.05);border-bottom-color:var(--sky2)}
.step .sn{font-family:var(--display);font-weight:800;font-size:2.4rem;color:var(--sky);opacity:.25;line-height:1}
.step h3{font-size:1.18rem;color:var(--navy2);margin:6px 0 8px}
.section.navy .step h3{color:#fff}
.step p{font-size:.92rem;margin:0}
@media(max-width:820px){.steps{grid-template-columns:1fr 1fr}}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat .n{font-family:var(--display);font-size:clamp(2.4rem,5vw,3.2rem);font-weight:800;color:#fff;line-height:1}
.stat .l{color:#9fc4da;font-size:.95rem;margin-top:6px}
@media(max-width:680px){.stats{grid-template-columns:1fr 1fr;gap:30px}}

/* lender logos */
.logos{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.logos .lg{background:#fff;border:1px solid var(--line);border-radius:12px;height:92px;display:flex;align-items:center;justify-content:center;padding:18px;transition:.25s}
.logos .lg:hover{box-shadow:var(--shadow-sm);transform:translateY(-3px)}
.logos .lg img{max-height:38px;max-width:84%;object-fit:contain}
@media(max-width:820px){.logos{grid-template-columns:repeat(3,1fr)}}

/* split feature */
.split{display:grid;grid-template-columns:1fr 1.1fr;gap:50px;align-items:center}
.split.flip .media{order:2}
.media img,.media{border-radius:var(--radius-lg);overflow:hidden}
.media img{width:100%;box-shadow:var(--shadow-lg)}
.flist{list-style:none;padding:0;margin:16px 0 26px}
.flist li{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.flist .tick{flex:none;width:26px;height:26px;border-radius:50%;background:var(--sky-soft);color:var(--sky);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem}
@media(max-width:820px){.split{grid-template-columns:1fr;gap:30px}.split.flip .media{order:0}}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}
.tcard .top{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.tcard .av{width:46px;height:46px;border-radius:50%;background:var(--sky);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.tcard .nm{color:var(--navy2);font-weight:700;font-size:.96rem}
.tcard .ro{color:var(--dim);font-size:.8rem}
.stars{color:#F5A623;letter-spacing:2px;margin-bottom:8px}
.tcard p{font-size:.92rem;margin:0 0 8px}
.tcard .gr{color:var(--dim);font-size:.76rem;font-weight:600}
@media(max-width:820px){.tgrid{grid-template-columns:1fr}}

/* FAQ accordion */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;font-family:var(--display);font-weight:700;color:var(--navy2);font-size:1.05rem;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--sky);font-size:1.5rem;font-weight:400;transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 24px 22px;color:var(--text);font-size:.96rem}

/* CTA band */
.cta-band{position:relative;border-radius:var(--radius-lg);overflow:hidden;padding:70px 40px;text-align:center;background:linear-gradient(120deg,var(--navy2),var(--navy3))}
.cta-band h2{color:#fff}
.cta-band p{color:#cfe2ee;max-width:56ch;margin:0 auto 26px}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1.15fr;gap:50px;align-items:start}
.cinfo .ci{display:flex;gap:14px;margin-bottom:22px}
.cinfo .ci .ic{flex:none;width:46px;height:46px;border-radius:12px;background:var(--sky-soft);color:var(--sky);display:flex;align-items:center;justify-content:center}
.cinfo .ci .ic svg{width:22px;height:22px}
.cinfo .k{color:var(--sky);font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase}
.cinfo .v{color:var(--navy2);font-weight:600}
.cform{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow)}
.cform label{display:block;font-weight:600;color:var(--navy2);font-size:.88rem;margin:0 0 6px}
.cform input,.cform select,.cform textarea{width:100%;padding:13px 15px;border:1px solid var(--line2);border-radius:10px;font-family:inherit;font-size:1rem;color:var(--navy2);margin-bottom:16px;background:#fff}
.cform input:focus,.cform select:focus,.cform textarea:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 3px var(--sky-soft)}
.cform textarea{min-height:96px;resize:vertical}
@media(max-width:820px){.contact{grid-template-columns:1fr;gap:30px}}

/* knowledge */
.kgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.kcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .3s var(--ease)}
.kcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.kcard .kimg{height:170px;background:var(--sky-soft) center/cover}
.kcard .kb{padding:22px}
.kcard .kt{color:var(--sky);font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase}
.kcard h3{font-size:1.1rem;color:var(--navy2);margin:8px 0}
.kcard .kd{color:var(--dim);font-size:.82rem}
@media(max-width:820px){.kgrid{grid-template-columns:1fr}}

/* rates band (light section variant) */
.rates-band{background:var(--sky);border-radius:var(--radius-lg);padding:38px 40px;display:grid;grid-template-columns:auto auto 1fr;gap:26px;align-items:center;color:#fff}
.rates-band .rc{background:#fff;border-radius:12px;padding:20px 26px;min-width:190px}
.rates-band .rc .l{color:var(--sky);font-weight:700;font-size:.82rem}
.rates-band .rc .b{color:var(--sky);font-family:var(--display);font-weight:800;font-size:2.5rem;line-height:1}
.rates-band h2{color:#fff;font-size:1.9rem;margin-bottom:6px}
.rates-band p{color:#eaf6fd;margin-bottom:16px;font-size:.96rem}
.rates-fine{grid-column:1/-1;color:#eaf6fd;font-size:.8rem;text-align:center}
@media(max-width:860px){.rates-band{grid-template-columns:1fr;text-align:center}.rates-band .rc{margin:0 auto}}

/* page hero (inner) */
.page-hero{position:relative;background:var(--navy2);color:#fff;text-align:center;padding:160px 24px 80px;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 360px at 80% 10%,rgba(0,156,220,.30),transparent 60%)}
.page-hero>*{position:relative;z-index:2}
.page-hero h1{color:#fff;max-width:20ch;margin:0 auto .3em}
.page-hero p{color:#cfe2ee;font-size:1.15rem;max-width:60ch;margin:0 auto}

/* footer */
.foot{background:var(--navy);color:#9fc4da;padding:62px 0 28px;font-size:.92rem}
.foot a{color:#9fc4da}
.foot a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;margin-bottom:36px}
.foot h4{color:#fff;font-size:.95rem;margin-bottom:14px;font-family:var(--sans)}
.foot .fcol a{display:block;margin-bottom:9px}
.foot .flogo{background:#fff;border-radius:10px;padding:10px 14px;display:inline-block;margin-bottom:14px}
.foot .flogo img{height:42px}
.fbot{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:.8rem;color:#7e9bb0;line-height:1.7}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr}}

/* reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important}*:not(.hero-slide){animation:none!important}}

/* ===== legal / prose pages ===== */
.prose{max-width:800px;margin:0 auto;color:var(--text)}
.prose .updated{color:var(--dim);font-size:.85rem;margin-bottom:2em}
.prose h2{font-family:var(--display);font-size:1.45rem;color:var(--navy2);margin:1.9em 0 .5em}
.prose h3{font-size:1.12rem;color:var(--navy2);margin:1.5em 0 .4em;font-weight:700}
.prose p,.prose li{font-size:1rem;line-height:1.78}
.prose ul{padding-left:1.2em;margin:0 0 1rem}
.prose li{margin-bottom:.5em}
.prose .callout{background:var(--soft);border-left:3px solid var(--sky);border-radius:0 10px 10px 0;padding:16px 20px;font-size:.92rem;margin:1.4em 0}