:root{
  --bg:#f4f8fb;
  --surface:#ffffff;
  --ink:#102336;
  --muted:#5f7082;
  --line:rgba(16,35,54,.10);
  --primary:#0f4c81;
  --primary-2:#3da3c9;
  --accent:#dbeef5;
  --shadow:0 18px 50px rgba(16,35,54,.08);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--ink);
  background:
    radial-gradient(circle at top left, rgba(61,163,201,.12), transparent 28%),
    linear-gradient(180deg,#f9fcfe 0%, var(--bg) 100%);
}
a{color:var(--primary); text-decoration:none}
a:hover{color:#083356}
.topbar{
  font-size:.92rem;
  border-bottom:1px solid rgba(255,255,255,.08);
  background:linear-gradient(90deg,#0c2740 0%,#133b5f 100%);
  color:#fff;
}
.topbar .phone-link{color:#fff; font-weight:700}
.navbar-shell{
  backdrop-filter:saturate(140%) blur(8px);
  background:rgba(255,255,255,.88);
  border-bottom:1px solid var(--line);
}
.navbar-brand{
  font-weight:800;
  letter-spacing:.02em;
  color:var(--ink)!important;
}
.navbar-brand small{
  display:block;
  font-size:.72rem;
  font-weight:600;
  color:var(--muted);
  letter-spacing:.08em;
  text-transform:uppercase;
}
.nav-link{
  font-weight:600;
  color:var(--ink)!important;
}
.nav-link:hover{color:var(--primary)!important}
.btn-primary,.btn-outline-primary{
  border-radius:999px;
  padding:.82rem 1.25rem;
  font-weight:700;
}
.btn-primary{
  background:linear-gradient(135deg,var(--primary),#17689f);
  border:none;
  box-shadow:0 10px 28px rgba(15,76,129,.25);
}
.btn-outline-primary{
  color:var(--primary);
  border:1px solid rgba(15,76,129,.2);
  background:#fff;
}
.hero{
  position:relative;
  padding:5rem 0 3rem;
}
.hero-card{
  background:
    linear-gradient(160deg, rgba(255,255,255,.96), rgba(255,255,255,.88)),
    linear-gradient(135deg, rgba(61,163,201,.12), rgba(15,76,129,.06));
  border:1px solid rgba(255,255,255,.75);
  box-shadow:var(--shadow);
  border-radius:28px;
  padding:3rem;
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:.55rem;
  padding:.55rem .9rem;
  border-radius:999px;
  background:#edf7fb;
  color:var(--primary);
  font-size:.82rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.08em;
}
.hero h1, .page-hero h1{
  font-size:clamp(2.15rem,4vw,4.2rem);
  line-height:1.02;
  margin:.9rem 0 1rem;
  letter-spacing:-.03em;
}
.hero p.lead, .page-hero p.lead{
  color:var(--muted);
  max-width:54rem;
  font-size:1.08rem;
}
.hero-stats{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1rem;
  margin-top:1.75rem;
}
.stat{
  background:#fff;
  border:1px solid var(--line);
  border-radius:20px;
  padding:1rem 1.05rem;
}
.stat strong{display:block; font-size:1.05rem}
.visual-panel{
  min-height:100%;
  border-radius:28px;
  background:
    linear-gradient(135deg, rgba(15,76,129,.92), rgba(61,163,201,.78)),
    url('https://images.unsplash.com/photo-1505693416388-ac5ce068fe85?auto=format&fit=crop&w=1200&q=80') center/cover;
  box-shadow:var(--shadow);
  position:relative;
  overflow:hidden;
  padding:2rem;
  color:#fff;
}
.visual-panel:before{
  content:"";
  position:absolute; inset:0;
  background:linear-gradient(180deg, rgba(8,32,53,.05), rgba(8,32,53,.42));
}
.visual-panel > *{position:relative}
.visual-badge{
  display:inline-flex;
  gap:.6rem; align-items:center;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  border:1px solid rgba(255,255,255,.18);
  padding:.55rem .85rem;
  font-weight:700;
}
.surface{
  background:var(--surface);
  border:1px solid rgba(16,35,54,.08);
  box-shadow:var(--shadow);
  border-radius:var(--radius);
}
.section{padding:4.8rem 0}
.section-title{
  font-size:clamp(1.7rem,2.7vw,2.8rem);
  line-height:1.05;
  letter-spacing:-.03em;
  margin-bottom:.8rem;
}
.section-copy{color:var(--muted); max-width:52rem}
.feature-card,.program-card,.blog-card,.faq-card,.spotlight-card{
  height:100%;
  border-radius:22px;
  padding:1.5rem;
  background:#fff;
  border:1px solid var(--line);
  transition:.2s ease transform, .2s ease box-shadow;
}
.feature-card:hover,.program-card:hover,.blog-card:hover,.spotlight-card:hover{
  transform:translateY(-3px);
  box-shadow:0 18px 48px rgba(16,35,54,.10);
}
.icon-wrap{
  width:52px; height:52px;
  border-radius:16px;
  display:grid; place-items:center;
  color:var(--primary);
  background:linear-gradient(145deg,#edf7fb,#f8fcff);
  border:1px solid rgba(15,76,129,.08);
  margin-bottom:1rem;
  font-size:1.2rem;
}
.strip{
  background:linear-gradient(180deg, rgba(255,255,255,.85), rgba(255,255,255,.6));
  border-top:1px solid rgba(16,35,54,.05);
  border-bottom:1px solid rgba(16,35,54,.05);
}
.checklist{
  display:grid; gap:.8rem;
  padding:0; margin:0; list-style:none;
}
.checklist li{
  display:flex; gap:.8rem; align-items:flex-start;
  color:var(--muted);
}
.checklist i{color:var(--primary); margin-top:.2rem}
.page-hero{
  padding:3rem 0 1.2rem;
}
.breadcrumbs{
  font-size:.95rem;
  color:var(--muted);
}
.breadcrumbs a{color:var(--muted)}
.cta-panel{
  background:linear-gradient(135deg, #0f4c81 0%, #18658e 55%, #2f8ab3 100%);
  color:#fff;
  border-radius:30px;
  padding:2.5rem;
  box-shadow:0 20px 60px rgba(15,76,129,.22);
}
.cta-panel p{color:rgba(255,255,255,.85)}
footer{
  background:#0c2131;
  color:rgba(255,255,255,.86);
  padding:4rem 0 2.2rem;
  margin-top:3rem;
}
footer h5{
  color:#fff;
  font-size:1rem;
  margin-bottom:1rem;
}
footer a{color:rgba(255,255,255,.76)}
footer a:hover{color:#fff}
.footer-note{
  border-top:1px solid rgba(255,255,255,.08);
  margin-top:2rem;
  padding-top:1.35rem;
  font-size:.94rem;
}
.blog-list a.title{
  color:var(--ink);
  font-weight:800;
}
.blog-meta{
  color:var(--muted);
  font-size:.94rem;
}
.contact-card{
  padding:2rem;
  border-radius:24px;
  background:#fff;
  border:1px solid var(--line);
  box-shadow:var(--shadow);
}
.table-soft{
  --bs-table-bg:transparent;
  --bs-table-border-color:rgba(16,35,54,.08);
}
@media (max-width: 991px){
  .hero{padding-top:3rem}
  .hero-card{padding:2rem}
  .hero-stats{grid-template-columns:1fr}
}

/* Apply Now shared CTA styles */
.navbar-nav .btn-primary[href*="lendingpad.com"],
.nav-links a.apply-now,
.links a.apply-now {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-accent-dark: var(--green-dark, var(--secondary, var(--ink, #0f4d41)));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border-radius: 8px;
  background: var(--apply-accent);
  border: 1px solid var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-nav .btn-primary[href*="lendingpad.com"]:hover,
.navbar-nav .btn-primary[href*="lendingpad.com"]:focus,
.nav-links a.apply-now:hover,
.nav-links a.apply-now:focus,
.links a.apply-now:hover,
.links a.apply-now:focus {
  background: var(--apply-accent-dark);
  border-color: var(--apply-accent-dark);
  color: #fff;
}
.apply-now-strip {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-panel: var(--ink, var(--primary, #172126));
  padding: clamp(28px, 5vw, 56px) 0;
  background: transparent;
}
.apply-now-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: clamp(24px, 4vw, 36px);
  border-radius: 8px;
  background: var(--apply-panel);
  color: #fff;
  box-shadow: 0 18px 42px rgba(15, 23, 42, .14);
}
.apply-now-strip span {
  color: #fff;
  font-size: clamp(1.25rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.12;
}
.apply-now-page-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 8px;
  background: var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.apply-now-page-button:hover,
.apply-now-page-button:focus {
  filter: brightness(.92);
  color: #fff;
}
@media (max-width: 640px) {
  .navbar-nav .btn-primary[href*="lendingpad.com"],
  .nav-links a.apply-now,
  .links a.apply-now {
    width: 100%;
    margin-top: 6px;
  }
  .apply-now-strip .container {
    display: grid;
    gap: 16px;
    text-align: left;
  }
  .apply-now-page-button {
    width: 100%;
  }
}