/* ============================================================
   LOAN ANSWER CENTER — Design System
   Concept: "The Ledger" — a paper-trail aesthetic for a site
   whose entire job is making the cost of borrowing legible.
   Receipts, dotted leaders, stamped notices, ledger rows.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,500&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@400;500;600;700&display=swap');

:root{
  --ink:#182430;
  --ink-2:#33475a;
  --paper:#eef2f2;
  --paper-2:#e4eae9;
  --card:#ffffff;
  --brass:#c68a2e;
  --brass-dark:#9c6c1f;
  --teal:#2f6f63;
  --teal-dark:#234f46;
  --brick:#b3452e;
  --brick-dark:#8f3623;
  --line:#d7dfde;
  --line-2:#c3cecd;
  --muted:#5b6b72;
  --muted-2:#7c8a90;

  --font-display:'Fraunces', Georgia, serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono:'IBM Plex Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  --radius:14px;
  --radius-sm:8px;
  --shadow-card:0 1px 2px rgba(24,36,48,.04), 0 8px 24px -12px rgba(24,36,48,.14);
  --shadow-lift:0 4px 8px rgba(24,36,48,.06), 0 20px 40px -16px rgba(24,36,48,.22);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
}
img{max-width:100%;display:block;}
a{color:inherit;}
ul{list-style:none;margin:0;padding:0;}
button{font-family:inherit;}
input,select,textarea{font-family:inherit;font-size:15px;}

.container{
  width:100%;
  max-width:1180px;
  margin:0 auto;
  padding:0 24px;
}
.narrow{max-width:760px;}

h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--ink);
  margin:0 0 .5em;
  line-height:1.15;
  font-weight:600;
  letter-spacing:-.01em;
}
h1{font-size:clamp(34px,5vw,54px);font-weight:600;}
h2{font-size:clamp(26px,3.4vw,36px);}
h3{font-size:19px;font-weight:600;}
h4{font-size:16px;font-weight:600;font-family:var(--font-body);}
p{margin:0 0 1em;color:var(--ink-2);}
.lead{font-size:18px;color:var(--ink-2);}

.eyebrow{
  font-family:var(--font-mono);
  font-size:12px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--brass-dark);
  margin:0 0 12px;
  display:flex;
  align-items:center;
  gap:8px;
}
.eyebrow::before{
  content:'';
  width:16px;height:1px;
  background:var(--brass);
  display:inline-block;
}

.text-center{text-align:center;}
.mt-16{margin-top:16px;}
.mt-24{margin-top:24px;}
.mt-32{margin-top:32px;}
.mt-48{margin-top:48px;}
.mb-32{margin-bottom:32px;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:13px 24px;
  border-radius:999px;
  font-weight:600;
  font-size:14.5px;
  text-decoration:none;
  border:1.5px solid transparent;
  cursor:pointer;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
  white-space:nowrap;
}
.btn:active{transform:translateY(1px);}
.btn-primary{background:var(--ink);color:#fff;}
.btn-primary:hover{background:var(--brass-dark);}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-2);}
.btn-ghost:hover{border-color:var(--ink);}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--ink);}
.btn-outline:hover{background:var(--ink);color:#fff;}
.btn-white{background:#fff;color:var(--ink);}
.btn-white:hover{background:var(--brass);color:#fff;}
.btn-sm{padding:9px 18px;font-size:13.5px;}
.btn-full{width:100%;}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(238,242,242,.9);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav-wrap{
  display:flex;align-items:center;justify-content:space-between;
  height:88px;
}
.logo{display:flex;align-items:center;gap:14px;text-decoration:none;}
.lac-mark{width:48px;height:48px;flex-shrink:0;}
.logo-text{
  font-family:var(--font-display);
  font-weight:600;
  font-size:24px;
  letter-spacing:-.01em;
  color:var(--ink);
  line-height:1.02;
}
.logo-text .lt-2{
  display:block;color:var(--brass-dark);font-size:11px;letter-spacing:.26em;text-transform:uppercase;
  font-family:var(--font-mono);font-weight:600;margin-top:5px;
}

nav[aria-label="Main navigation"]{display:flex;}
.nav-links{display:flex;align-items:center;gap:30px;}
.nav-links a{
  text-decoration:none;color:var(--ink-2);font-size:14.5px;font-weight:500;
  position:relative;padding:6px 0;
}
.nav-links a:hover{color:var(--ink);}
.nav-links a.active{color:var(--ink);}
.nav-links a.active::after{
  content:'';position:absolute;left:0;right:0;bottom:-4px;height:2px;background:var(--brass);
}
.nav-links li:last-child a{padding:0;}
.nav-links a.btn-primary,.nav-links a.btn-primary:hover,.nav-links a.btn-primary.active{color:#fff;}
.nav-links a.btn-primary.active::after{content:none;}

.hamburger{
  display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;
}
.hamburger span{width:22px;height:2px;background:var(--ink);border-radius:2px;transition:.2s;}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.open span:nth-child(2){opacity:0;}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

.mobile-nav{
  display:none;flex-direction:column;gap:2px;padding:12px 0 20px;
  border-top:1px solid var(--line);
}
.mobile-nav.open{display:flex;}
.mobile-nav a{
  padding:12px 4px;text-decoration:none;color:var(--ink-2);font-weight:500;font-size:15px;
  border-bottom:1px dashed var(--line);
}
.mobile-nav a.btn{margin-top:12px;border-bottom:none;text-align:center;}
.mobile-nav a.btn-primary{color:#fff;}

@media (max-width:900px){
  nav[aria-label="Main navigation"]{display:none;}
  .hamburger{display:flex;}
}

/* ---------- Hero ---------- */
.hero{padding:64px 0 56px;}
.hero-grid{
  display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 26px;}
.trust-row{display:flex;gap:22px;flex-wrap:wrap;}
.trust-item{
  display:flex;align-items:center;gap:7px;font-size:13px;color:var(--muted);font-weight:500;
}
.trust-item svg{width:16px;height:16px;color:var(--teal);flex-shrink:0;}

/* ---------- Signature element: THE RECEIPT ---------- */
.receipt{
  position:relative;
  background:#fffdf9;
  border-radius:4px;
  padding:28px 26px 24px;
  box-shadow:var(--shadow-lift);
  font-family:var(--font-mono);
  transform:rotate(1.2deg);
}
.receipt::before,.receipt::after{
  content:'';position:absolute;left:0;right:0;height:10px;
  background:
    radial-gradient(circle at 8px 5px, transparent 5px, #fffdf9 5.5px) repeat-x;
  background-size:16px 10px;
}
.receipt::before{top:-5px;}
.receipt::after{bottom:-5px;transform:rotate(180deg);}
.receipt-head{
  text-align:center;border-bottom:1px dashed var(--line-2);padding-bottom:14px;margin-bottom:16px;
}
.receipt-head .rh-title{font-size:13px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--ink);}
.receipt-head .rh-sub{font-size:11px;color:var(--muted-2);margin-top:4px;}
.calc-field{margin-bottom:14px;}
.calc-field label{
  display:flex;justify-content:space-between;font-size:11.5px;color:var(--muted);margin-bottom:5px;
  text-transform:uppercase;letter-spacing:.06em;
}
.calc-field input,.calc-field select{
  width:100%;padding:9px 10px;border:1px solid var(--line-2);border-radius:6px;
  font-family:var(--font-mono);font-size:14px;background:#fff;color:var(--ink);
}
.calc-field input:focus,.calc-field select:focus{outline:2px solid var(--brass);outline-offset:1px;}
.receipt-divider{border:none;border-top:1px dashed var(--line-2);margin:16px 0;}
.calc-result-row{
  display:flex;justify-content:space-between;align-items:baseline;
  font-size:13.5px;padding:5px 0;color:var(--ink-2);
  border-bottom:1px dotted var(--line-2);
}
.calc-result-row .crl-label{letter-spacing:.02em;}
.calc-result-row .crl-val{font-weight:600;color:var(--ink);}
.calc-result-row.highlight{
  font-size:16px;font-weight:700;color:var(--ink);border-bottom:none;padding-top:10px;
}
.calc-result-row.highlight .crl-val{color:var(--brick);}
.receipt-stamp{
  margin-top:16px;display:inline-block;transform:rotate(-6deg);
  border:2px solid var(--brick);color:var(--brick);border-radius:6px;
  padding:4px 10px;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  opacity:.85;
}
.calc-disclaimer{
  font-family:var(--font-body);font-size:11.5px;color:var(--muted-2);margin-top:14px;line-height:1.5;
}

/* ---------- Ledger stats strip ---------- */
.section-sm{padding:40px 0;}
.ledger-strip{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2);
}
.ledger-item{
  padding:22px 20px;border-left:1px dashed var(--line-2);
}
.ledger-item:first-child{border-left:none;}
.ledger-num{
  font-family:var(--font-mono);font-size:clamp(24px,3vw,32px);font-weight:700;color:var(--ink);
  display:flex;align-items:baseline;gap:6px;
}
.ledger-label{font-size:12.5px;color:var(--muted);margin-top:6px;line-height:1.4;}

/* ---------- Sections ---------- */
.section{padding:76px 0;}
.section-tint{background:var(--paper-2);}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}

/* ---------- Cards ---------- */
.cards-grid{display:grid;gap:22px;margin-top:8px;}
.cards-grid.cols-2{grid-template-columns:repeat(2,1fr);}
.cards-grid.cols-3{grid-template-columns:repeat(3,1fr);}
.cards-grid.cols-1{grid-template-columns:1fr;}

.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px 24px;box-shadow:var(--shadow-card);
}
.card-icon{
  width:42px;height:42px;border-radius:10px;background:var(--paper-2);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.card-icon svg{width:21px;height:21px;}
.card p{font-size:14.5px;margin-bottom:0;}

.topic-card{
  background:var(--card);border-radius:var(--radius);padding:26px 24px;
  border-top:3px solid var(--brass);box-shadow:var(--shadow-card);
}
.topic-card.teal{border-top-color:var(--teal);}
.topic-card.brick{border-top-color:var(--brick);}
.topic-card a{
  font-size:13.5px;font-weight:700;display:inline-flex;align-items:center;gap:6px;margin-top:14px;
  text-decoration:none;color:var(--brass-dark);
}
.topic-card.teal a{color:var(--teal-dark);}
.topic-card.brick a{color:var(--brick-dark);}

/* ---------- Steps (ledger-numbered — real sequence) ---------- */
.steps-list{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:36px;}
.step-item{position:relative;padding-top:8px;}
.step-num{
  font-family:var(--font-mono);font-size:13px;color:var(--brass-dark);font-weight:700;
  border:1px solid var(--brass);border-radius:999px;width:30px;height:30px;
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.step-item h3{margin-bottom:8px;}
.step-item p{font-size:14.5px;}

/* ---------- Notices / warnings (stamped paperwork feel) ---------- */
.notice,.warning-box{
  border-radius:10px;padding:16px 18px;font-size:14px;position:relative;padding-left:48px;
}
.notice{background:#eef4f2;border:1px solid #c9dcd6;color:var(--teal-dark);}
.notice::before{
  content:'✓';position:absolute;left:16px;top:16px;font-weight:700;color:var(--teal);
}
.notice p{color:var(--teal-dark);margin:0;}
.warning-box{background:#f8ece8;border:1px solid #e3c3b8;color:var(--brick-dark);}
.warning-box::before{
  content:'!';position:absolute;left:16px;top:14px;font-weight:800;color:var(--brick);
  font-family:var(--font-mono);border:1.5px solid var(--brick);border-radius:50%;
  width:20px;height:20px;display:flex;align-items:center;justify-content:center;font-size:12px;
}
.warning-box p{color:var(--brick-dark);margin:0;}

/* ---------- Loan type tabs ---------- */
.loan-tabs{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin:0 0 40px;}
.loan-tab{
  font-family:var(--font-mono);font-size:13.5px;font-weight:600;letter-spacing:.02em;
  padding:11px 20px;border-radius:999px;border:1.5px solid var(--line-2);background:#fff;
  cursor:pointer;color:var(--ink-2);transition:.15s;
}
.loan-tab.active{background:var(--ink);color:#fff;border-color:var(--ink);}
.loan-tab:hover:not(.active){border-color:var(--ink);}

.loan-panel{display:none;}
.loan-panel.active{display:block;animation:fadein .25s ease;}
@keyframes fadein{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:translateY(0);}}
.loan-detail-grid{display:grid;grid-template-columns:1.35fr .95fr;gap:48px;align-items:start;}
.loan-bullets{margin-top:18px;display:flex;flex-direction:column;gap:10px;}
.loan-bullet{
  font-size:14.5px;color:var(--ink-2);padding-left:22px;position:relative;
}
.loan-bullet::before{
  content:'–';position:absolute;left:0;color:var(--brass-dark);font-weight:700;
}

.stat-card{
  background:var(--ink);color:#fff;border-radius:var(--radius);padding:24px;
}
.stat-card h4{color:#fff;font-family:var(--font-mono);font-size:12.5px;letter-spacing:.1em;
  text-transform:uppercase;margin-bottom:16px;opacity:.8;font-weight:600;}
.stat-row{
  display:flex;justify-content:space-between;padding:9px 0;font-size:13.5px;
  border-bottom:1px dotted rgba(255,255,255,.18);
}
.stat-row:last-of-type{border-bottom:none;}
.sr-label{color:rgba(255,255,255,.6);}
.sr-val{font-family:var(--font-mono);font-weight:600;}
.risk-bar{margin-top:18px;}
.risk-label{font-size:11.5px;color:rgba(255,255,255,.6);margin-bottom:8px;text-transform:uppercase;letter-spacing:.06em;}
.risk-track{height:6px;background:rgba(255,255,255,.15);border-radius:4px;overflow:hidden;}
.risk-fill{height:100%;border-radius:4px;}
.risk-fill.high{width:85%;background:var(--brick);}
.risk-fill.mid{width:55%;background:var(--brass);}
.risk-fill.low{width:20%;background:var(--teal);}

/* ---------- Do / Don't ---------- */
.do-dont-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
.do-card,.dont-card{border-radius:var(--radius);padding:28px;background:var(--card);border:1px solid var(--line);}
.do-card{border-top:4px solid var(--teal);}
.dont-card{border-top:4px solid var(--brick);}
.check-list{display:flex;flex-direction:column;gap:12px;margin-top:16px;}
.check-list li{
  font-size:14.5px;color:var(--ink-2);padding-left:26px;position:relative;line-height:1.55;
}
.do-card .check-list li::before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:700;}
.dont-card .check-list li::before{content:'✕';position:absolute;left:0;color:var(--brick);font-weight:700;}

/* ---------- Resource list ---------- */
.resource-card{
  display:flex;gap:18px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px;
}
.resource-icon{
  width:44px;height:44px;border-radius:10px;background:var(--paper-2);flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
}
.resource-icon svg{width:22px;height:22px;}
.resource-body h4{margin-bottom:6px;}
.resource-body p{font-size:14px;margin-bottom:10px;}
.resource-body a{
  font-size:13.5px;font-weight:700;color:var(--brass-dark);text-decoration:none;
}
.resource-body a:hover{text-decoration:underline;}

/* ---------- Values ---------- */
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.value-item{text-align:center;padding:20px;}
.v-icon{
  width:52px;height:52px;border-radius:50%;background:var(--ink);color:#fff;
  display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:20px;
}
.value-item p{font-size:14px;}

.mission-band{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start;}

/* ---------- FAQ ---------- */
.faq-list{display:flex;flex-direction:column;gap:10px;margin-top:18px;}
.faq-item{
  background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden;
}
.faq-question{
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  padding:18px 20px;cursor:pointer;font-weight:600;font-size:15.5px;color:var(--ink);
}
.faq-icon svg{width:18px;height:18px;color:var(--muted);transition:transform .2s;}
.faq-item.open .faq-icon svg{transform:rotate(180deg);color:var(--brass);}
.faq-answer{
  max-height:0;overflow:hidden;transition:max-height .25s ease, padding .25s ease;
  padding:0 20px;font-size:14.5px;color:var(--ink-2);
}
.faq-item.open .faq-answer{max-height:400px;padding:0 20px 20px;}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);padding:56px 0;}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;}
.cta-band h2{color:#fff;margin-bottom:6px;}
.cta-band p{color:rgba(255,255,255,.65);margin:0;}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap;}
.cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35);}
.cta-band .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08);}

/* ---------- Page hero (interior pages) ---------- */
.page-hero{padding:56px 0 44px;border-bottom:1px solid var(--line);}
.page-hero p:last-child{margin-bottom:0;}

/* ---------- Contact / forms ---------- */
.contact-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start;}
.contact-details{
  margin:22px 0;padding:18px 20px;background:var(--card);border:1px solid var(--line);border-radius:12px;
}
.contact-details h4{margin-bottom:8px;}
.contact-details p{font-size:14.5px;margin:0;}
.sms-benefits{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:22px 0;}
.sms-benefit{
  background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;
}
.sms-benefit svg{width:22px;height:22px;color:var(--teal);margin-bottom:10px;}
.sms-benefit strong{display:block;font-size:14px;margin-bottom:3px;}
.sms-benefit p{font-size:12.5px;margin:0;color:var(--muted);}

.form-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:32px;box-shadow:var(--shadow-card);
}
.form-title{margin-bottom:4px;}
.form-subtitle{font-size:13.5px;color:var(--muted);margin-bottom:22px;}
.form-grid{display:flex;flex-direction:column;gap:16px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.form-field label{
  display:block;font-size:12.5px;font-weight:600;color:var(--ink-2);margin-bottom:6px;
  text-transform:uppercase;letter-spacing:.04em;
}
.form-field input,.form-field select,.form-field textarea{
  width:100%;padding:11px 13px;border:1.5px solid var(--line-2);border-radius:8px;
  background:#fff;color:var(--ink);font-size:14.5px;
}
.form-field textarea{min-height:90px;resize:vertical;}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{
  outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(198,138,46,.15);
}
.consent-block{
  display:flex;gap:10px;align-items:flex-start;padding:12px 14px;background:var(--paper);
  border-radius:8px;
}
.consent-block input{margin-top:3px;flex-shrink:0;width:16px;height:16px;accent-color:var(--brass);}
.consent-text{font-size:12px;color:var(--muted);line-height:1.6;}
.consent-text a{color:var(--brass-dark);font-weight:600;text-decoration:none;}
.form-note{font-size:12px;color:var(--muted-2);text-align:center;margin-top:4px;}

.form-success{display:none;text-align:center;padding:40px 10px;}
.success-icon{
  width:56px;height:56px;border-radius:50%;background:#eef4f2;color:var(--teal);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;
}
.success-icon svg{width:26px;height:26px;}

/* ---------- Legal ---------- */
.legal-content h2{margin-top:40px;font-size:21px;}
.legal-content ul{margin:0 0 20px;padding-left:0;display:flex;flex-direction:column;gap:8px;}
.legal-content ul li{
  font-size:14.5px;color:var(--ink-2);padding-left:20px;position:relative;
}
.legal-content ul li::before{content:'—';position:absolute;left:0;color:var(--brass-dark);}
.legal-content p{font-size:14.5px;}
.legal-meta{
  font-family:var(--font-mono);font-size:12px;color:var(--muted-2);
  border-bottom:1px dashed var(--line-2);padding-bottom:16px;margin-bottom:24px;
}

/* ---------- Footer ---------- */
footer{background:#101a22;color:#a9b6bd;padding:64px 0 28px;margin-top:0;}
.footer-grid{
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:40px;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.footer-brand .logo-text{color:#fff;}
.footer-brand .logo-text .lt-2{color:var(--brass);}
.footer-brand p{color:#7c8a90;font-size:13.5px;margin-top:14px;}
.footer-col h5{
  color:#fff;font-family:var(--font-mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;
  margin-bottom:16px;font-weight:600;
}
.footer-col ul{display:flex;flex-direction:column;gap:10px;}
.footer-col a{color:#8b9aa1;text-decoration:none;font-size:14px;}
.footer-col a:hover{color:#fff;}
.footer-col p{font-size:14px;color:#8b9aa1;line-height:1.7;}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;padding-top:24px;flex-wrap:wrap;gap:12px;
}
.footer-bottom p{font-size:12.5px;color:#647178;margin:0;}
.footer-bottom-links{display:flex;gap:20px;}
.footer-bottom-links a{color:#647178;font-size:12.5px;text-decoration:none;}
.footer-bottom-links a:hover{color:#fff;}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px;}
  .two-col{grid-template-columns:1fr;gap:36px;}
  .mission-band{grid-template-columns:1fr;}
  .cards-grid.cols-2,.cards-grid.cols-3{grid-template-columns:1fr 1fr;}
  .loan-detail-grid{grid-template-columns:1fr;}
  .contact-layout{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .ledger-strip{grid-template-columns:1fr 1fr;}
  .ledger-item:nth-child(3){border-left:none;}
  .values-grid{grid-template-columns:1fr;}
}
@media (max-width:640px){
  .steps-list{grid-template-columns:1fr;}
  .cards-grid.cols-2,.cards-grid.cols-3{grid-template-columns:1fr;}
  .do-dont-grid{grid-template-columns:1fr;}
  .sms-benefits{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .cta-inner{flex-direction:column;align-items:flex-start;}
  .ledger-strip{grid-template-columns:1fr 1fr;}
  .receipt{transform:none;}
}