*{margin:0;padding:0;box-sizing:border-box}
:root{
  --navy:#0A2540;--blue:#0066CC;--sky:#E8F0FE;--light:#F7F9FC;
  --white:#FFFFFF;--dark:#1A1A2E;--text:#4A5568;--muted:#5A6A7E;
  --green:#0D9488;--gold:#D4AF37;--border:#E2E8F0;--accent:#0066CC
}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;background:var(--white);color:var(--text);line-height:1.7;overflow-x:hidden}
a{color:var(--blue);text-decoration:none;transition:.2s}a:hover{color:var(--navy)}
img{max-width:100%;display:block}

/* NAV */
nav{position:fixed;top:0;width:100%;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:0 24px}
.nav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:72px}
.nav-logo{font-size:1.2rem;font-weight:900;color:var(--navy);letter-spacing:-.5px}
.nav-logo span{font-weight:400;color:var(--muted)}
.nav-links{display:flex;gap:32px;align-items:center}
.nav-links a{color:var(--text);font-size:.88rem;font-weight:500}
.nav-links a:hover{color:var(--navy)}
.nav-cta{background:var(--navy);color:#fff!important;padding:11px 28px;border-radius:8px;font-weight:700;font-size:.88rem}
.nav-cta:hover{background:#0D3A6B}
.nav-phone{color:var(--navy)!important;font-weight:700}
.mobile-menu{display:none;background:none;border:none;color:var(--navy);font-size:1.5rem;cursor:pointer}

/* HERO */
.hero{min-height:92vh;display:flex;align-items:center;padding:120px 24px 80px;background:linear-gradient(135deg,var(--navy) 0%,#0D3A6B 50%,#1A4F8B 100%);position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-50%;right:-20%;width:800px;height:800px;border-radius:50%;background:rgba(255,255,255,.02);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:600px;height:600px;border-radius:50%;background:rgba(0,102,204,.08);pointer-events:none}
.hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.hero-content{position:relative;z-index:2}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.9);padding:8px 20px;border-radius:100px;font-size:.78rem;font-weight:600;letter-spacing:.5px;text-transform:uppercase;margin-bottom:24px}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--green);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
.hero h1{font-size:clamp(2.8rem,5.5vw,4.5rem);font-weight:900;color:#fff;line-height:1.05;letter-spacing:-2.5px;margin-bottom:20px}
.hero h1 .thin{font-weight:300;opacity:.7}
.hero p{font-size:clamp(1.05rem,1.6vw,1.2rem);color:rgba(255,255,255,.75);max-width:480px;margin-bottom:32px;line-height:1.7}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-white{background:#fff;color:var(--navy);padding:16px 36px;border-radius:8px;font-weight:800;font-size:1rem;border:none;cursor:pointer;transition:.3s;display:inline-block;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 6px 24px rgba(0,0,0,.2);color:var(--navy)}
.btn-ghost{background:transparent;color:#fff;padding:16px 32px;border-radius:8px;font-weight:600;font-size:1rem;border:1px solid rgba(255,255,255,.2);display:inline-block}
.btn-ghost:hover{border-color:rgba(255,255,255,.5);color:#fff}

/* HERO CARD */
.hero-card{background:rgba(255,255,255,.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:36px 32px;position:relative;z-index:2}
.hero-card h3,.hero-card-title{font-size:.85rem;font-weight:700;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:2px;margin-bottom:20px}
.hc-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.06)}
.hc-row:last-child{border:none}
.hc-label{font-size:.9rem;color:rgba(255,255,255,.7)}
.hc-value{font-size:.95rem;font-weight:700;color:#fff}
.hc-value.highlight{color:var(--green);font-size:1.05rem}
.hc-value.gold{color:var(--gold)}

/* TRUST BAR */
.trust-bar{background:var(--light);border-bottom:1px solid var(--border);padding:24px}
.trust-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:center;gap:clamp(24px,6vw,64px);flex-wrap:wrap;align-items:center}
.trust-item{text-align:center}
.trust-item .t-num{font-size:clamp(1.5rem,3vw,2rem);font-weight:900;color:var(--navy)}
.trust-item .t-label{font-size:.72rem;color:#5A6A7E;font-weight:600;text-transform:uppercase;letter-spacing:1px}

/* SECTIONS */
section{padding:clamp(64px,10vw,96px) 24px}
.container{max-width:1100px;margin:0 auto}
.section-label{display:inline-block;color:var(--blue);font-size:.75rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:10px}
.section-title{font-size:clamp(2rem,4vw,2.8rem);font-weight:900;color:var(--navy);letter-spacing:-1.5px;line-height:1.1;margin-bottom:12px}
.section-desc{font-size:1rem;color:var(--muted);max-width:560px}

/* LOAN TYPES */
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.loan-card{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:36px 28px;transition:.3s;position:relative}
.loan-card:hover{border-color:var(--blue);box-shadow:0 8px 32px rgba(0,102,204,.08);transform:translateY(-4px)}
.loan-card .l-badge{position:absolute;top:16px;right:16px;background:var(--sky);color:var(--blue);padding:4px 12px;border-radius:6px;font-size:.7rem;font-weight:700}
.loan-card .l-icon{width:48px;height:48px;border-radius:12px;background:var(--sky);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:16px}
.loan-card h3{font-size:1.2rem;font-weight:800;color:var(--navy);margin-bottom:8px}
.loan-card .l-desc{font-size:.9rem;color:var(--muted);margin-bottom:20px}
.loan-card .l-details{list-style:none;border-top:1px solid var(--border);padding-top:16px}
.loan-card .l-details li{font-size:.85rem;color:var(--text);padding:8px 0;display:flex;justify-content:space-between;border-bottom:1px solid var(--border)}
.loan-card .l-details li:last-child{border:none}
.loan-card .l-details li strong{color:var(--navy);font-weight:700}

/* WHY */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.why-card{padding:28px 24px;border-radius:16px;border:1px solid var(--border);background:var(--white);transition:.3s}
.why-card:hover{border-color:var(--blue);box-shadow:0 4px 16px rgba(0,102,204,.06)}
.why-card .w-icon{width:44px;height:44px;border-radius:10px;background:var(--sky);display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:14px}
.why-card h3{font-size:1rem;font-weight:800;color:var(--navy);margin-bottom:6px}
.why-card p{font-size:.85rem;color:var(--muted)}

/* PROCESS */
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:40px;position:relative}
.process-steps::before{content:'';position:absolute;top:28px;left:14%;right:14%;height:2px;background:var(--border);z-index:0}
.p-step{text-align:center;position:relative;z-index:1;padding:0 12px}
.p-step .p-num{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-weight:900;margin:0 auto 14px;border:4px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,.1)}
.p-step h3{font-size:.95rem;font-weight:800;color:var(--navy);margin-bottom:4px}
.p-step p{font-size:.8rem;color:var(--muted)}

/* FAQ */
.faq-list{max-width:700px;margin:40px auto 0}
.faq-item{border:1px solid var(--border);border-radius:12px;margin-bottom:8px;overflow:hidden;background:var(--white)}
.faq-q{font-size:1rem;font-weight:600;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:18px 24px}
.faq-q::after{content:'+';font-size:1.2rem;color:var(--blue);transition:.3s;font-weight:300}
.faq-item.open .faq-q::after{content:'−'}
.faq-item.open{border-color:var(--blue)}
.faq-a{max-height:0;overflow:hidden;transition:.4s;color:var(--muted);font-size:.92rem;padding:0 24px}
.faq-item.open .faq-a{max-height:300px;padding:0 24px 18px}

/* LEARN */
.learn-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:40px}
.learn-card{background:var(--light);border:1px solid var(--border);border-radius:16px;padding:32px 28px}
.learn-card h3{font-size:1.1rem;font-weight:800;color:var(--navy);margin-bottom:10px}
.learn-card p{font-size:.9rem;color:var(--muted)}

/* CTA */
.cta-section{background:var(--navy);border-radius:24px;padding:clamp(48px,8vw,72px) 40px;text-align:center;max-width:1100px;margin:0 auto}
.cta-section h2{font-size:clamp(2rem,4vw,2.8rem);font-weight:900;color:#fff;margin-bottom:12px;letter-spacing:-1px}
.cta-section p{font-size:1.05rem;color:rgba(255,255,255,.75);margin-bottom:28px;max-width:480px;margin-left:auto;margin-right:auto}
.cta-phone{font-size:clamp(1.5rem,3vw,2rem);font-weight:900;color:var(--gold);display:block;margin-top:20px}.cta-phone:hover{color:#DFC04A}
.cta-details{display:flex;justify-content:center;gap:32px;margin-top:16px;flex-wrap:wrap}
.cta-details span{font-size:.85rem;color:rgba(255,255,255,.7)}

/* FORM */
.apply-form{max-width:600px;margin:32px auto 0;text-align:left}
.apply-form label{display:block;font-size:.82rem;font-weight:600;color:rgba(255,255,255,.85);margin-bottom:6px;margin-top:16px;text-transform:uppercase;letter-spacing:.5px}
.apply-form input,.apply-form select,.apply-form textarea{width:100%;padding:14px 16px;border-radius:8px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.08);color:#fff;font-family:'Inter',sans-serif;font-size:.95rem;transition:.2s}
.apply-form input::placeholder,.apply-form textarea::placeholder{color:rgba(255,255,255,.3)}
.apply-form input:focus,.apply-form select:focus,.apply-form textarea:focus{outline:none;border-color:var(--gold);background:rgba(255,255,255,.12)}
.apply-form textarea{min-height:80px;resize:vertical}
.apply-form select option{background:var(--navy);color:#fff}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:768px){.form-row{grid-template-columns:1fr}}
.apply-form button{margin-top:24px;width:100%;padding:16px;background:var(--gold);color:var(--navy);font-size:1.05rem;font-weight:800;border:none;border-radius:8px;cursor:pointer;transition:.3s;font-family:'Inter',sans-serif}
.apply-form button:hover{background:#DFC04A;transform:translateY(-2px);box-shadow:0 6px 24px rgba(212,175,55,.3)}

footer{text-align:center;padding:40px 24px;border-top:1px solid var(--border);background:var(--light)}
footer p{font-size:.8rem;color:#5A6A7E}
footer .disclaimer{margin-top:6px;font-size:.72rem;color:#5A6A7E}
.swats-footer{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:12px;font-size:.7rem;color:#596878}

@media(max-width:768px){
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:var(--white);flex-direction:column;padding:20px;gap:16px;border-bottom:1px solid var(--border);box-shadow:0 8px 24px rgba(0,0,0,.05)}
  .mobile-menu{display:block}
  .hero-inner{grid-template-columns:1fr}
  .hero-card{margin-top:24px}
  .loan-grid,.why-grid{grid-template-columns:1fr}
  .process-steps{grid-template-columns:repeat(2,1fr);gap:24px}
  .process-steps::before{display:none}
  .learn-grid{grid-template-columns:1fr}
}
/* Sections with light background */
#why, #faq {
  background: var(--light);
}

/* Centered text sections */
#process .container,
#faq .container {
  text-align: center;
}

/* Minero footer logo */
.minero-logo-img {
  height: 14px;
  filter: grayscale(1) brightness(0.4);
  opacity: 0.7;
  position: relative;
  top: -2px;
}