/* Hallmark · v2.0.0 · redesign: full · theme: Grid adapted to the Thai brand · shape: product index · signature: northern city photograph and loan ledger */
/* Critique · replaced dark photo overlays, empty graphics, repeated cards and decorative numbering with a clear institutional index. */
:root{
  --paper:#f7fafb;--paper-2:#edf4f8;--paper-3:#dceaf3;--white:#fff;
  --navy:#0f2c59;--deep:#0a2144;--sky:#3f72af;--ink:#23354a;--muted:#53687c;
  --line:#bed0de;--field-ink:#f7fafb;--focus:#3274b3;--shadow:#0f2c591c;
  --footer-line:#ffffff2e;--footer-muted:#b7cbe0;--footer-accent:#8fb6e6;
  --font-body:"Noto Sans Thai","Leelawadee UI",Tahoma,sans-serif;
  --space-1:4px;--space-2:8px;--space-3:12px;--space-4:16px;--space-5:20px;--space-6:24px;--space-8:32px;--space-10:40px;--space-12:48px;--space-16:64px;--space-20:80px;--space-24:96px;
  --measure:1240px;--column-gap:48px;--dur-short:180ms;--dur-page:280ms;--ease-out:cubic-bezier(.22,1,.36,1)
}
*{box-sizing:border-box}
html,body{overflow-x:clip}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.7 var(--font-body)}
button,a{font:inherit;-webkit-tap-highlight-color:transparent}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
h1,h2,h3,p,figure{margin:0}
h1,h2,h3{color:var(--navy);line-height:1.22;overflow-wrap:break-word;min-width:0;text-wrap:balance}
h1{font-size:clamp(40px,4.8vw,68px)}
h2{font-size:clamp(34px,3.7vw,52px)}
h3{font-size:clamp(20px,2vw,26px)}
p{text-wrap:pretty}
.wrap{width:min(calc(100% - 64px),var(--measure));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
:focus-visible{outline:3px solid var(--focus);outline-offset:4px}
a:active,button:active{opacity:.72}
button:disabled{opacity:.5;cursor:not-allowed}
::selection{background:var(--sky);color:var(--field-ink)}
.skip{position:absolute;left:var(--space-4);top:-100px;z-index:100;padding:var(--space-2) var(--space-4);background:var(--paper);color:var(--navy)}
.skip:focus{top:var(--space-2)}

.header{position:relative;z-index:20;background:var(--paper)}
.header.is-floating{position:fixed;inset:0 0 auto;box-shadow:0 12px 32px var(--shadow);animation:header-enter 240ms var(--ease-out) both}
.header-slot{height:0}
.header-inner{min-height:84px;display:flex;align-items:center;gap:var(--space-8)}
.brand,.footer-brand{flex:none;display:inline-flex;align-items:center}
.brand img{width:180px;height:auto}
.nav{display:flex;align-items:center;gap:var(--space-8);margin-left:auto}
.nav a{position:relative;white-space:nowrap;color:var(--ink);font-size:14px;font-weight:700;padding:var(--space-3) 0}
.nav a:hover,.nav a[aria-current]{color:var(--sky)}
.nav a[aria-current]::after{content:"";position:absolute;inset:auto 0 0;height:2px;background:var(--sky)}
.header-actions{display:flex;align-items:center;gap:var(--space-5);white-space:nowrap}
.header-phone{font-size:13px;font-weight:700;color:var(--navy)}
.header-phone:hover{text-decoration:underline;text-underline-offset:4px}
.nav-cta{display:inline-flex;align-items:center;min-height:44px;padding:var(--space-2) var(--space-4);background:var(--navy);color:var(--field-ink);font-size:13px;font-weight:700;white-space:nowrap}
.nav-cta:hover{background:var(--sky)}
.menu-button{display:none;cursor:pointer;border:0;padding:var(--space-2);background:transparent;color:var(--navy)}

.hero{background:var(--paper);color:var(--navy)}
.hero-grid{min-height:628px;display:grid;grid-template-columns:minmax(0,1.04fr) minmax(0,.96fr);gap:var(--column-gap);align-items:center}
.hero-photo{height:540px;position:relative;overflow:hidden;background:var(--paper-2)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center;filter:saturate(.72) contrast(.96)}
.hero-photo::after{content:"";position:absolute;inset:0;background:var(--sky);mix-blend-mode:multiply;opacity:.12;pointer-events:none}
.hero-copy{padding:var(--space-8) 0}
.hero h1{max-width:620px;font-size:clamp(40px,4.4vw,62px);letter-spacing:-.025em}
.hero-copy>p{max-width:440px;margin-top:var(--space-8);color:var(--muted);font-size:17px}
.hero-actions{display:flex;align-items:center;gap:var(--space-5);flex-wrap:wrap;margin-top:var(--space-8)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:var(--space-3) var(--space-6);border:0;font-size:14px;font-weight:700;line-height:1.3;white-space:nowrap;transition:transform var(--dur-short) var(--ease-out)}
.btn-primary{background:var(--navy);color:var(--field-ink)}
.btn-primary:hover{background:var(--sky)}
.btn-outline,.btn-text{padding-inline:0;background:transparent;color:var(--navy);text-decoration:underline;text-underline-offset:5px;text-decoration-thickness:1px}
.btn-outline:hover,.btn-text:hover{color:var(--sky)}
.text-link{color:var(--navy);font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:5px}
.text-link:hover{color:var(--sky)}
.btn:active{transform:translateY(1px)}

.section{padding:var(--space-24) 0}
.section-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.55fr);gap:var(--column-gap);align-items:end;margin-bottom:var(--space-12)}
.section-head p{max-width:390px;color:var(--muted)}
.section-foot{margin-top:var(--space-8)}
.product-grid{display:block}
.product-card{position:relative;isolation:isolate;display:grid;grid-template-columns:minmax(90px,.45fr) minmax(0,1.25fr) minmax(0,1fr) minmax(100px,.45fr);gap:var(--space-8);align-items:start;padding:var(--space-8) var(--space-4);border-top:1px solid var(--line)}
.product-card::before{content:"";position:absolute;inset:0;z-index:-1;background:var(--paper-2);opacity:0;transition:opacity var(--dur-short) ease-out;pointer-events:none}
.product-card:last-child{border-bottom:1px solid var(--line)}
.product-card:hover::before,.product-card:focus-within::before{opacity:1}
.card-top{font-size:13px;font-weight:700;color:var(--sky)}
.card-number{display:none}
.product-summary h3{max-width:360px}
.product-summary p{max-width:420px;margin-top:var(--space-3);font-size:14px;color:var(--muted)}
.product-card dl{margin:0;font-size:13px}
.product-card dl>div+div{margin-top:var(--space-3)}
dt{color:var(--muted)}
dd{margin:0;color:var(--navy);font-weight:700}
.card-link{align-self:center;justify-self:end;color:var(--navy);font-size:13px;font-weight:700;white-space:nowrap;text-decoration:underline;text-underline-offset:4px;transition:transform var(--dur-short) ease-out}
.product-card:hover .card-link,.product-card:focus-within .card-link{transform:translateX(3px)}
.card-link:hover{color:var(--sky)}
.card-link svg,.btn svg,.nav-cta svg{display:none}
.trust-strip{background:var(--navy);color:var(--field-ink)}
.trust-inner{display:grid;grid-template-columns:minmax(0,.7fr) repeat(3,minmax(0,1fr));gap:var(--space-8);padding:var(--space-12) 0}
.trust-inner>p{font-size:14px;font-weight:700}
.trust-inner>div{display:flex;flex-direction:column;gap:var(--space-1)}
.trust-inner>div>svg{width:30px;height:30px;margin-bottom:var(--space-4);color:var(--paper-3);stroke-width:1.5}
.trust-inner strong{font-size:21px;line-height:1.25}
.trust-inner span{font-size:13px;opacity:.82}
.about-home{background:var(--paper-2)}
.about-home-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:var(--column-gap);align-items:center}
.about-statement{color:var(--sky);font-size:clamp(32px,4vw,54px);font-weight:700;line-height:1.25;max-width:390px}
.about-home-grid>div>p{max-width:600px;color:var(--muted);margin-top:var(--space-6)}
.about-home-grid .btn{margin-top:var(--space-4)}
.process{background:var(--paper)}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--column-gap);counter-reset:step}
.steps>div{padding-top:var(--space-6);border-top:2px solid var(--navy)}
.steps span{font-size:30px;color:var(--sky);font-weight:700;font-variant-numeric:tabular-nums}
.steps h3{margin-top:var(--space-6);font-size:19px}
.steps p{margin-top:var(--space-3);font-size:14px;color:var(--muted)}
.disclaimer{margin-top:var(--space-10);max-width:850px;font-size:13px;color:var(--muted)}
.faq-preview{background:var(--paper-2)}
.faq-preview-grid{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:var(--column-gap)}
.faq-preview-grid>div:first-child>p{max-width:360px;margin-top:var(--space-6);color:var(--muted)}
.faq-preview-grid .btn{margin-top:var(--space-4)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item:first-child{border-top:1px solid var(--line)}
.faq-item summary{list-style:none;cursor:pointer;position:relative;padding:var(--space-5) var(--space-10) var(--space-5) 0;color:var(--navy);font-weight:700}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:var(--space-2);top:var(--space-4);font-size:25px;color:var(--sky);font-weight:400}
.faq-item[open] summary::after{content:"−"}
.faq-item summary:hover{color:var(--sky)}
.faq-item p{max-width:750px;padding:0 var(--space-10) var(--space-6) 0;color:var(--muted);font-size:15px}
.cta-band{background:var(--navy);color:var(--field-ink);padding:var(--space-20) 0}
.cta-layout{display:flex;justify-content:space-between;align-items:center;gap:var(--column-gap)}
.cta-band h2{color:var(--field-ink)}
.cta-band p{max-width:650px;margin-top:var(--space-4);opacity:.85}
.cta-band .btn{flex:none;background:var(--paper);color:var(--navy)}
.cta-band .btn:hover{background:var(--paper-3)}

.page-hero{padding:var(--space-20) 0 var(--space-24);background:var(--paper-2)}
.page-hero .wrap{position:relative}
.page-hero h1{max-width:970px}
.page-hero p{max-width:650px;margin-top:var(--space-6);font-size:17px;color:var(--muted)}
.page-about .page-hero,.page-contact .page-hero{background:var(--navy);color:var(--field-ink)}
.page-about .page-hero h1,.page-contact .page-hero h1{color:var(--field-ink)}
.page-about .page-hero p,.page-contact .page-hero p{color:var(--paper-3)}
.page-loans .page-hero h1{max-width:830px}
.page-faq .page-hero{background:var(--navy);color:var(--field-ink)}
.page-faq .page-hero h1{color:var(--field-ink)}
.page-faq .page-hero p{color:var(--paper-3)}
.story-grid{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:var(--column-gap)}
.story-grid .lead{font-size:clamp(21px,2.3vw,30px);line-height:1.4;color:var(--navy)}
.story-grid p+p{margin-top:var(--space-6)}
.story-grid p:not(.lead){color:var(--muted)}
.story-grid .btn{margin-top:var(--space-5)}
.values{background:var(--paper-2)}
.value-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:var(--column-gap);margin-top:var(--space-12)}
.value-grid article{padding:var(--space-8) 0;border-top:1px solid var(--line)}
.value-grid article span{display:none}
.value-grid h3{font-size:24px}
.value-grid p{max-width:390px;margin-top:var(--space-4);font-size:15px;color:var(--muted)}
.detail-section{background:var(--paper-2)}
.loan-detail{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:var(--column-gap);padding:var(--space-12) 0;border-top:1px solid var(--line);scroll-margin-top:110px}
.loan-detail h3{margin-top:var(--space-3);font-size:clamp(25px,2.5vw,34px)}
.loan-detail p{margin-top:var(--space-4);color:var(--muted)}
.loan-detail .btn{margin-top:var(--space-3)}
.loan-detail dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-6);margin:0}
.loan-detail dt{font-size:13px}
.loan-detail dd{font-size:14px}
.detail-tag{font-size:13px;color:var(--sky)}
.faq-page-grid{display:grid;grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr);gap:var(--column-gap)}
.faq-page-grid aside p{margin-top:var(--space-5);color:var(--muted)}
.faq-page-grid aside .btn{margin-top:var(--space-4)}
.contact-grid{display:grid;grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr);gap:var(--column-gap)}
.contact-grid>div:first-child>p{margin-top:var(--space-5);color:var(--muted)}
.contact-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-4)}
.contact-list>a,.contact-list>div{display:flex;flex-direction:column;align-items:flex-start;min-height:180px;padding:var(--space-6);background:var(--paper-2)}
.contact-list>a:hover{background:var(--paper-3)}
.contact-list>a:first-child{background:var(--navy)}
.contact-list>a:first-child span,.contact-list>a:first-child strong{color:var(--field-ink)}
.contact-list span{font-size:13px;color:var(--muted)}
.contact-list strong{margin-top:var(--space-3);font-size:18px;color:var(--navy);overflow-wrap:break-word}
.contact-list small{margin-top:auto;color:var(--muted)}
.contact-list svg{display:none}
.location{background:var(--paper-2)}
.location-grid{display:grid;grid-template-columns:minmax(0,.68fr) minmax(0,1.32fr);gap:var(--space-8);align-items:stretch}
.location-copy{display:flex;flex-direction:column;align-items:flex-start;padding:var(--space-10);background:var(--navy);color:var(--field-ink)}
.location-copy h2{color:var(--field-ink);font-size:clamp(29px,3vw,41px)}
.location-copy address{margin-top:var(--space-10);font-size:19px;font-style:normal;font-weight:700;line-height:1.55}
.location-copy p{margin-top:var(--space-5);color:var(--paper-3);font-size:14px}
.location-copy .btn{margin-top:auto;background:var(--paper);color:var(--navy)}
.location-copy .btn:hover{background:var(--paper-3)}
.location-map{min-width:0;display:flex;flex-direction:column;justify-content:flex-start;align-items:flex-start;gap:var(--space-4);padding:var(--space-8);background:var(--paper);border:1px solid var(--line)}
.location-map span{display:block;font-size:14px;font-weight:700;color:var(--sky)}
.location-map strong{display:block;margin-top:var(--space-2);font-size:clamp(36px,4vw,56px);line-height:1.15;color:var(--navy)}
.location-map p{max-width:380px;margin-top:var(--space-5);font-size:15px;color:var(--muted)}
.map-open{display:inline-block;margin-top:var(--space-8);font-size:15px;font-weight:700;color:var(--navy);text-decoration:underline;text-underline-offset:5px;transition:transform var(--dur-short) ease-out}
.map-open:hover{transform:translateY(-2px)}
.legal{max-width:760px}
.legal h2{font-size:27px;margin-top:var(--space-12)}
.legal p{margin-top:var(--space-4);color:var(--muted)}

.footer{background:var(--deep);color:var(--paper-3);border-top:1px solid var(--deep)}

/* Motion follows reading order and responds only to a page entry or a user action. */
.page-index .hero-copy h1{animation:quiet-enter 300ms ease-out both}
.page-index .hero-photo{animation:quiet-enter 360ms ease-out both}
.page-index .hero-copy>p{animation:quiet-enter 300ms ease-out 60ms both}
.page-index .hero-actions{animation:quiet-enter 300ms ease-out 120ms both}
.page-index .hero-actions .btn:hover{transform:translateY(-2px)}
.page-hero h1,.page-hero .wrap>p{animation:quiet-enter var(--dur-page) ease-out both}
.page-hero .wrap>p{animation-delay:60ms}
.faq-item[open] p{animation:answer-enter var(--dur-short) ease-out both}
.loan-detail:target{animation:target-enter var(--dur-page) ease-out both}
@keyframes quiet-enter{from{opacity:.84;transform:translateY(7px)}to{opacity:1;transform:translateY(0)}}
@keyframes answer-enter{from{opacity:.55;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}
@keyframes target-enter{from{opacity:.75;transform:translateY(5px)}to{opacity:1;transform:translateY(0)}}
@keyframes menu-enter{from{opacity:.7;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}
@keyframes header-enter{from{opacity:0;transform:translateY(-12px)}to{opacity:1;transform:translateY(0)}}
@media(max-width:1080px){.header-inner{gap:var(--space-5)}.brand img{width:150px}.nav{gap:var(--space-4)}.header-phone{display:none}.product-card{grid-template-columns:minmax(0,.5fr) minmax(0,1fr) minmax(0,1fr)}.product-card .card-link{grid-column:2;justify-self:start}}
@media(max-width:900px){.header-inner{min-height:72px}.menu-button{display:block;margin-left:auto}.menu-button svg{width:26px;height:26px}.nav{display:none;position:absolute;top:100%;left:0;right:0;margin:0;padding:var(--space-5) var(--space-8);background:var(--paper);box-shadow:0 16px 30px var(--shadow)}.header.menu-open .nav{display:block}.nav a{display:block;padding:var(--space-3) 0}.nav a[aria-current]::after{right:auto;width:34px}.header-actions{margin-left:auto}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);min-height:570px}.hero-photo{height:500px}.hero h1{font-size:clamp(36px,5vw,50px)}.product-card{grid-template-columns:minmax(0,.4fr) minmax(0,1fr);gap:var(--space-4)}.product-card>p,.product-card dl{grid-column:2}.product-card .card-link{grid-column:2}.trust-inner{grid-template-columns:repeat(3,minmax(0,1fr))}.trust-inner>p{grid-column:1/-1}}
@media(max-width:680px){.wrap{width:min(calc(100% - 36px),var(--measure))}.brand img{width:150px}.header-actions{display:none}.nav{padding:var(--space-4) var(--space-5)}.hero-grid{display:flex;flex-direction:column;align-items:stretch;gap:0}.hero-photo{width:100%;height:230px}.hero-copy{padding:var(--space-8) 0 var(--space-12)}.hero h1{font-size:clamp(35px,9vw,46px)}.hero-copy>p{font-size:16px;margin-top:var(--space-5)}.hero-actions{margin-top:var(--space-6)}.section{padding:var(--space-16) 0}.section-head,.about-home-grid,.story-grid,.faq-preview-grid,.faq-page-grid,.contact-grid,.loan-detail{grid-template-columns:minmax(0,1fr);gap:var(--space-8)}.section-head{margin-bottom:var(--space-8)}.product-card{display:block;padding:var(--space-6) 0}.product-card h3{margin-top:var(--space-3)}.product-card>p{margin-top:var(--space-3)}.product-card dl{margin-top:var(--space-5)}.product-card .card-link{display:inline-block;margin-top:var(--space-5)}.trust-inner{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-5);padding:var(--space-8) 0}.trust-inner>p{grid-column:1/-1}.trust-inner>div:last-child{grid-column:1/-1}.steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-5)}.cta-layout{display:block}.cta-layout .btn{margin-top:var(--space-6)}.page-hero{padding:var(--space-16) 0}.loan-detail dl{grid-template-columns:minmax(0,1fr)}.contact-list{grid-template-columns:minmax(0,1fr)}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-8);padding:var(--space-16) 0}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom>div{margin-top:var(--space-3);flex-wrap:wrap}}
@media(max-width:900px){.header.menu-open .nav{animation:menu-enter var(--dur-short) ease-out both}}
@media(max-width:680px){.location-grid{display:block}.location-copy{padding:var(--space-8)}.location-copy address{margin-top:var(--space-6);font-size:17px}.location-copy .btn{margin-top:var(--space-8)}.location-map{min-height:310px;padding:var(--space-8)}.footer-grid>div:last-child{padding:var(--space-6)}.footer-brand img{width:200px}}
/* FAQ reads as two short chapters, with direct help always nearby. */
.page-faq .faq-page-grid{grid-template-columns:minmax(0,.62fr) minmax(0,1.38fr)}
.page-faq .faq-page-grid aside{position:sticky;top:112px;align-self:start;padding:var(--space-8);background:var(--paper-2)}
.page-faq .faq-page-grid aside h2{font-size:clamp(26px,2.4vw,36px)}
.faq-groups{min-width:0}
.faq-group h2{font-size:19px;margin-bottom:var(--space-6)}
.faq-group+.faq-group{margin-top:var(--space-16)}
.page-faq .faq-item summary{display:flex;align-items:center;min-height:72px;padding:var(--space-5) var(--space-12) var(--space-5) var(--space-4);font-size:17px}
.page-faq .faq-item p{padding:0 var(--space-12) var(--space-6) var(--space-4);line-height:1.85}
.page-faq .faq-item[open]{background:var(--paper-2)}
.page-faq .faq-item summary::after{top:var(--space-5)}
/* The map entry is a link to the supplied address, with no invented pin. */
.location-map{color:var(--navy);text-decoration:none}
.location-map:hover{background:var(--paper-3)}
.location-map svg{width:48px;height:48px;color:var(--sky);stroke-width:1.5}
.location-map>span:first-of-type{margin-top:var(--space-6)}
.location-map strong{margin-top:var(--space-3)}
.location-map .map-action{margin-top:var(--space-5);font-size:15px;color:var(--navy);text-decoration:underline;text-underline-offset:5px}
/* Footer: a brand block, two link columns, a contact column and a legal bar. */
.footer{position:relative;background:var(--deep);color:var(--paper-3);border-top:1px solid var(--footer-line)}
.footer::before{content:"";position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--sky),transparent 70%);opacity:.75}
.footer-main{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr) minmax(0,1.1fr) minmax(0,1.35fr);gap:var(--space-10) var(--space-12);padding:var(--space-20) 0 var(--space-16)}
.footer-brand-col{align-self:start}
.footer .footer-brand{display:inline-flex;padding:var(--space-3) var(--space-4);border-radius:6px;background:var(--paper)}
.footer-brand img{width:200px;height:auto}
.footer-lede{max-width:360px;margin-top:var(--space-6);font-size:15px;line-height:1.75;color:var(--footer-muted)}
.footer-action{display:inline-flex;align-items:center;gap:var(--space-2);min-height:48px;margin-top:var(--space-8);padding:0 var(--space-6);border:1px solid var(--footer-line);border-radius:4px;color:var(--white);font-size:14px;font-weight:700;transition:background-color var(--dur-short) ease-out,color var(--dur-short) ease-out,border-color var(--dur-short) ease-out}
.footer-action svg{width:16px;height:16px;transition:transform var(--dur-short) var(--ease-out)}
.footer-action:hover{background:var(--white);border-color:var(--white);color:var(--deep)}
.footer-action:hover svg{transform:translateX(4px)}
.footer-col{display:flex;flex-direction:column;align-items:flex-start;min-width:0}
.footer-col h2{margin-bottom:var(--space-5);padding-bottom:var(--space-3);border-bottom:1px solid var(--footer-line);font-size:15px;color:var(--white);letter-spacing:.01em}
.footer-col a{display:block;width:max-content;max-width:100%;margin-bottom:var(--space-3);font-size:14px;line-height:1.5;color:var(--footer-muted);overflow-wrap:anywhere;transition:color var(--dur-short) ease-out}
.footer-col a:hover{color:var(--white);text-decoration:underline;text-underline-offset:5px}
.footer-col a[aria-current="page"]{color:var(--white);font-weight:700}
.footer-col a[aria-current="page"]::after{content:"";display:block;width:20px;height:2px;margin-top:4px;background:var(--footer-accent)}
.footer-contact .footer-phone{display:inline-block;margin-bottom:var(--space-2);font-size:clamp(24px,2.4vw,30px);font-weight:700;line-height:1.3;color:var(--white)}
.footer-contact address{margin-top:var(--space-4);font-size:14px;font-style:normal;line-height:1.7;color:var(--footer-muted)}
.footer-hours{margin-top:var(--space-4);padding-left:var(--space-4);border-left:2px solid var(--sky);font-size:13px;line-height:1.7;color:var(--footer-muted)}
.footer-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:var(--space-4) var(--space-8);padding:var(--space-6) 0;border-top:1px solid var(--footer-line);color:var(--footer-muted)}
.footer-bottom>span{font-size:13px}
.footer-bottom>div{display:flex;flex-wrap:wrap;gap:var(--space-6)}
.footer-bottom a{font-size:13px;color:var(--footer-muted)}
.footer-bottom a:hover{color:var(--white);text-decoration:underline;text-underline-offset:5px}
.footer .btn{background:var(--paper);color:var(--deep)}
@media(max-width:1080px){.footer-main{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--space-12)}}
@media(max-width:900px){.page-faq .faq-page-grid{grid-template-columns:minmax(0,.48fr) minmax(0,1fr)}}
@media(max-width:680px){.footer-main{grid-template-columns:minmax(0,1fr);gap:var(--space-10);padding:var(--space-16) 0 var(--space-10)}.footer-lede{max-width:none}.footer-action{width:100%;justify-content:center}.footer-col a{min-height:44px;display:flex;align-items:center;margin-bottom:0}.footer-col a[aria-current="page"]{flex-wrap:wrap}.footer-bottom{display:block;padding:var(--space-6) 0}.footer-bottom>div{margin-top:var(--space-4);gap:var(--space-2) 0}.footer-bottom a{display:flex;align-items:center;min-height:44px}.page-faq .page-hero{padding:48px 0 52px}.page-faq .faq-page-grid{display:flex;flex-direction:column}.page-faq .faq-groups{order:1}.page-faq .faq-page-grid aside{position:static;order:2;margin-top:var(--space-12)}.faq-group+.faq-group{margin-top:var(--space-12)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.product-card:hover .card-link,.product-card:focus-within .card-link,.btn:active,.map-open:hover,.page-index .hero-actions .btn:hover{transform:none}}
@media(max-width:680px){.location-map{min-height:0}}

/* Refinement: compact inner-page introductions and clearer lending information. */
.page-hero{padding:64px 0 72px}
.page-hero .wrap{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1fr);gap:var(--column-gap);align-items:end}
.page-hero h1{font-size:clamp(42px,4.4vw,62px)}
.page-hero p{margin:0 0 5px;max-width:570px;font-size:18px;line-height:1.7}
.page-privacy .page-hero,.page-terms .page-hero{padding:52px 0 56px}
.about-intro-grid{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);gap:clamp(32px,5vw,72px);align-items:center}
.about-photo{overflow:hidden;border-radius:8px;background:var(--paper-2)}
.about-photo img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;object-position:60% center}
.about-intro-copy h2{margin-bottom:var(--space-8)}
.about-intro-copy .lead{font-size:clamp(20px,2.1vw,27px);line-height:1.5;color:var(--navy)}
.about-intro-copy p+p{margin-top:var(--space-5);color:var(--muted)}
.product-grid{display:grid;gap:12px}
.product-card{margin:0;padding:var(--space-8);background:var(--white);border:1px solid var(--line);border-radius:8px;transition:border-color var(--dur-short) ease-out,box-shadow var(--dur-short) ease-out}
.product-card:last-child{border-bottom:1px solid var(--line)}
.product-card::before{border-radius:8px}
.product-card:hover,.product-card:focus-within{border-color:var(--sky);box-shadow:0 12px 28px rgba(15,44,89,.08)}
.contact-list>a,.contact-list>div{min-height:152px;background:var(--white);border:1px solid var(--line);border-radius:8px}
.contact-list>a:first-child{border-color:var(--navy)}
.contact-list>a:hover{border-color:var(--sky);box-shadow:0 10px 24px rgba(15,44,89,.07)}
.contact-list strong{font-size:17px;line-height:1.5}
.location{padding:72px 0}
.location-grid{grid-template-columns:minmax(0,.84fr) minmax(0,1.16fr);gap:0;border-radius:8px;overflow:hidden}
.location-copy{padding:var(--space-10)}
.location-copy address{margin-top:var(--space-8)}
.location-map{min-height:290px;justify-content:center;gap:var(--space-3);padding:var(--space-10);border:1px solid var(--line);border-left:0;background-color:var(--white);background-image:linear-gradient(rgba(63,114,175,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(63,114,175,.055) 1px,transparent 1px);background-size:42px 42px}
.location-map svg{width:38px;height:38px;margin-bottom:var(--space-2)}
.location-map .map-region{margin:0;font-size:13px;color:var(--sky)}
.location-map strong{margin:0;font-size:clamp(30px,3vw,42px)}
.location-map .map-address{max-width:460px;font-size:15px;font-weight:400;line-height:1.6;color:var(--muted)}
.location-map .map-action{display:inline-flex;align-items:center;min-height:44px;margin-top:var(--space-3);padding:9px 16px;background:var(--navy);color:var(--white);text-decoration:none;border-radius:4px}
.location-map:hover .map-action{background:var(--sky);color:var(--white)}
@media(max-width:900px){.page-hero .wrap{grid-template-columns:minmax(0,.8fr) minmax(0,1fr)}.about-intro-grid{gap:var(--space-8)}}
@media(max-width:680px){.page-hero{padding:48px 0 52px}.page-hero .wrap{display:block}.page-hero h1{font-size:clamp(38px,10vw,48px)}.page-hero p{margin-top:var(--space-5);font-size:16px}.about-intro-grid{display:block}.about-photo{margin-bottom:var(--space-8)}.about-photo img{aspect-ratio:5/4}.product-card{padding:var(--space-6)}.location{padding:var(--space-12) 0}.location-grid{display:block}.location-copy{padding:var(--space-8)}.location-map{min-height:0;padding:var(--space-8);border-left:1px solid var(--line);border-top:0}}
.cta-band{background:var(--paper-3);color:var(--navy)} .cta-band h2{color:var(--navy)} .cta-band p{opacity:1;color:var(--muted)} .cta-band .btn{background:var(--navy);color:var(--white)} .cta-band .btn:hover{background:var(--sky)}
.card-top,.product-card dl,.card-link{font-size:14px} .product-summary p{font-size:15px} .loan-detail dt{font-size:14px} .loan-detail dd{font-size:15px}

/* Navigation and footer: the primary contact action stays clear at every width. */
.nav .nav-mobile-cta{display:none}
@media(max-width:680px){.nav .nav-mobile-cta{display:flex;align-items:center;justify-content:center;width:max-content;min-height:44px;margin-top:var(--space-3);padding:var(--space-2) var(--space-5);border-radius:4px;background:var(--navy);color:var(--white)}.nav .nav-mobile-cta:hover{background:var(--sky);color:var(--white)}}

/* The office address is known; the exact building coordinate is not. */
.location{padding:80px 0;background:var(--paper-2)}
.location-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.7fr);gap:var(--column-gap);align-items:end;margin-bottom:var(--space-8)}
.location-heading p{max-width:430px;color:var(--muted)}
.location-panel{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);overflow:hidden;border-radius:10px;border:1px solid var(--line)}
.location-address{padding:var(--space-12);background:var(--navy);color:var(--white)}
.location-label{font-size:14px;font-weight:700;color:var(--paper-3)}
.location-address address{max-width:540px;margin-top:var(--space-8);font-size:clamp(22px,2.3vw,31px);font-weight:700;line-height:1.55;font-style:normal}
.location-address p{margin-top:var(--space-8);font-size:15px;color:var(--paper-3)}
.location-route{display:flex;flex-direction:column;align-items:flex-start;padding:var(--space-12);background:var(--white)}
.location-route svg{width:42px;height:42px;color:var(--sky);stroke-width:1.5}
.route-steps{display:grid;gap:var(--space-3);margin:var(--space-6) 0}
.route-steps>*{display:block;padding:0 0 0 var(--space-5);border-left:2px solid var(--line);color:var(--muted);font-size:16px;line-height:1.55}
.route-steps strong{border-color:var(--sky);color:var(--navy);font-size:clamp(22px,2.4vw,30px)}
.location-route>p{margin-bottom:var(--space-6);font-size:14px;color:var(--muted)}
.location-route .btn{margin-top:auto}
.page-contact .page-hero+.section,.page-loans .page-hero+.section,.page-faq .page-hero+.section,.page-about .about-intro{padding:72px 0}
.page-privacy .section,.page-terms .section{padding:64px 0 88px}
@media(max-width:900px){.location-address,.location-route{padding:var(--space-8)}}
@media(max-width:680px){.location{padding:var(--space-12) 0}.location-heading{display:block;margin-bottom:var(--space-6)}.location-heading p{margin-top:var(--space-4)}.location-panel{display:block}.location-address,.location-route{padding:var(--space-8)}.location-address address{margin-top:var(--space-5);font-size:21px}.location-address p{margin-top:var(--space-5)}.route-steps{margin:var(--space-6) 0}.page-contact .page-hero+.section,.page-loans .page-hero+.section,.page-faq .page-hero+.section,.page-about .about-intro{padding:var(--space-12) 0}}

/* A short opening sequence, then reveals only for the product and process content. */
.page-index .hero-photo{animation:home-photo-in 760ms cubic-bezier(.22,1,.36,1) both}
.page-index .hero-copy h1{animation:home-copy-in 620ms cubic-bezier(.22,1,.36,1) 100ms both}
.page-index .hero-copy>p{animation:home-copy-in 620ms cubic-bezier(.22,1,.36,1) 220ms both}
.page-index .hero-actions{animation:home-copy-in 620ms cubic-bezier(.22,1,.36,1) 340ms both}
.page-index .reveal{opacity:0;transform:translateY(18px);transition:opacity 620ms ease-out,transform 620ms cubic-bezier(.22,1,.36,1);transition-delay:var(--reveal-delay,0ms)}
.page-index .reveal.is-visible{opacity:1;transform:translateY(0)}
.page-index .product-card:nth-child(2),.page-index .steps>div:nth-child(2){--reveal-delay:80ms}
.page-index .product-card:nth-child(3),.page-index .steps>div:nth-child(3){--reveal-delay:160ms}
.page-index .steps>div:nth-child(4){--reveal-delay:240ms}
@keyframes home-photo-in{from{opacity:.35;transform:translateX(-18px)}to{opacity:1;transform:translateX(0)}}
@keyframes home-copy-in{from{opacity:0;transform:translateY(15px)}to{opacity:1;transform:translateY(0)}}
@media(prefers-reduced-motion:reduce){.page-index .reveal{opacity:1!important;transform:none!important;transition:none!important}.page-index .hero-photo,.page-index .hero-copy h1,.page-index .hero-copy>p,.page-index .hero-actions{animation:none!important}}

/* Shared return control appears only after the visitor has moved into the page. */
.back-to-top{position:fixed;z-index:30;right:24px;bottom:calc(72px + env(safe-area-inset-bottom,0px));display:grid;place-items:center;width:50px;height:50px;padding:0;border:1px solid var(--navy);border-radius:9px;background:var(--navy);color:var(--white);box-shadow:0 10px 24px rgba(15,44,89,.18);cursor:pointer;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(10px);transition:opacity 200ms ease-out,transform 200ms ease-out,visibility 200ms ease-out,background-color 200ms ease-out}
.back-to-top.is-visible{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0)}
.back-to-top:hover{background:var(--sky);border-color:var(--sky);transform:translateY(-2px)}
.back-to-top svg{width:22px;height:22px;stroke-width:2}
@media(max-width:680px){.back-to-top{right:16px;bottom:calc(72px + env(safe-area-inset-bottom,0px));width:48px;height:48px}}
@media(prefers-reduced-motion:reduce){.back-to-top,.back-to-top:hover{transition:none!important;transform:none!important}}