:root{
    --ink:#08182c;
    --navy:#0c2746;
    --navy-2:#103a63;
    --blue:#1f6fb2;
    --blue-bright:#2f93dd;
    --steel:#5a7da3;
    --mist:#e8f0f8;
    --cloud:#f3f8fc;
    --paper:#ffffff;
    --line:#d6e2ee;
    --text:#22384d;
    --muted:#5d7790;
    --radius:16px;
    --maxw:1180px;
    --shadow:0 24px 60px -22px rgba(8,24,44,.38);
    --shadow-sm:0 10px 30px -14px rgba(8,24,44,.30);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth;scroll-padding-top:118px;overflow-x:hidden}
  body{font-family:'IBM Plex Sans',system-ui,sans-serif;color:var(--text);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
  h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;line-height:1.1;color:var(--navy);font-weight:600;letter-spacing:-.01em}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
  img,svg{display:block}

  /* fade-in on load */
  .fade{opacity:0;transform:translateY(18px);animation:rise .8s cubic-bezier(.2,.7,.2,1) forwards}
  @keyframes rise{to{opacity:1;transform:none}}
  .d1{animation-delay:.08s}.d2{animation-delay:.18s}.d3{animation-delay:.28s}.d4{animation-delay:.38s}

  /* ---------- Utility bar ---------- */
  .util{background:var(--ink);color:#bcd2e8;font-size:12.5px;border-bottom:1px solid rgba(255,255,255,.07)}
  .util .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 28px;padding:9px 26px;align-items:center}
  .util b{color:#fff;font-weight:600}
  .util .sep{opacity:.3}

  /* ---------- Header ---------- */
  header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;justify-content:space-between;padding:13px 26px;max-width:var(--maxw);margin:0 auto;position:relative}
  .logo{display:flex;align-items:center;gap:13px}
  .logo .mark{width:46px;height:46px;border-radius:10px;background:linear-gradient(145deg,var(--blue),var(--navy));display:grid;place-items:center;color:#fff;font-family:'Fraunces',serif;font-weight:600;font-size:24px;box-shadow:var(--shadow-sm);position:relative}
  .logo .mark::after{content:"";position:absolute;inset:4px;border:1px solid rgba(255,255,255,.28);border-radius:7px}
  .logo .txt{display:flex;flex-direction:column;line-height:1.05}
  .logo .txt b{font-family:'Fraunces',serif;font-size:19px;color:var(--navy);font-weight:600}
  .logo .txt span{font-size:10.5px;letter-spacing:2.4px;color:var(--steel);text-transform:uppercase}
  nav.links{display:flex;gap:4px;align-items:center;position:absolute;left:calc(50% + 18px);transform:translateX(-50%)}
  nav.links a{padding:9px 13px;font-size:14.5px;font-weight:500;color:var(--muted);border-radius:8px;transition:.18s}
  nav.links a:hover{background:var(--mist);color:var(--navy)}
  nav.links a.btn-primary{color:#fff}
  nav.links a.btn-primary:hover{color:#fff;background:linear-gradient(135deg,var(--blue-bright),var(--blue))}
  .btn{display:inline-flex;align-items:center;gap:9px;padding:12px 24px;border-radius:10px;font-weight:600;font-size:14.5px;font-family:'IBM Plex Sans';transition:.22s;cursor:pointer;border:none;line-height:1}
  .btn-primary{background:linear-gradient(135deg,var(--blue-bright),var(--blue));color:#fff;box-shadow:0 10px 24px -10px rgba(31,111,178,.7)}
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 30px -10px rgba(31,111,178,.8)}
  .btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
  .btn-ghost:hover{border-color:var(--blue);color:var(--blue)}
  .btn .arr{transition:.22s}
  .btn:hover .arr{transform:translateX(4px)}
  .menu-btn{display:none;background:none;border:none;font-size:27px;color:var(--navy);cursor:pointer}
  .mobile-apply{display:none}

  /* ---------- Hero ---------- */
  .hero{position:relative;background:linear-gradient(155deg,#0e2c4d 0%,#0a2240 50%,#071a33 100%);color:#fff;overflow:hidden}
  .hero::before{content:"";position:absolute;inset:0;pointer-events:none;background-image:radial-gradient(circle at 85% 15%,rgba(47,147,221,.35),transparent 42%),radial-gradient(circle at 8% 95%,rgba(31,111,178,.32),transparent 40%)}
  .hero::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;background-image:linear-gradient(rgba(255,255,255,.9) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.9) 1px,transparent 1px);background-size:46px 46px;mask-image:radial-gradient(circle at 50% 40%,black,transparent 80%)}
  .hero .wrap{position:relative;padding:78px 26px 132px;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
  .eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;letter-spacing:2.4px;text-transform:uppercase;color:#a6cdee;border:1px solid rgba(166,205,238,.35);padding:8px 16px;border-radius:30px;margin-bottom:28px}
  .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:#56d79a;box-shadow:0 0 12px #56d79a}
  .hero h1{color:#fff;font-size:clamp(36px,5.6vw,64px);font-weight:600;letter-spacing:-.02em}
  .hero h1 em{font-style:italic;color:#9fd0f4;font-weight:500}
  .hero p.lead{font-size:clamp(16px,1.9vw,19px);color:#c2d6ea;margin:24px 0 34px;max-width:560px;line-height:1.62}
  .hero .cta-row{display:flex;gap:14px;flex-wrap:wrap}
  .hero .btn-ghost{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.7);color:#fff}
  .hero .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08);color:#fff}

  /* Est 1995 seal */
  .seal{justify-self:center;width:230px;height:230px;border-radius:50%;border:1px solid rgba(159,208,244,.35);display:grid;place-items:center;position:relative;background:radial-gradient(circle,rgba(31,111,178,.18),transparent 70%)}
  .seal::before{content:"";position:absolute;inset:16px;border:1px dashed rgba(159,208,244,.45);border-radius:50%}
  .seal .inner{text-align:center;color:#eaf4fd}
  .seal .top{font-size:11px;letter-spacing:4px;text-transform:uppercase;color:#9fd0f4}
  .seal .yr{font-family:'Fraunces',serif;font-size:58px;font-weight:600;line-height:1;margin:6px 0;color:#fff}
  .seal .bot{font-size:10.5px;letter-spacing:3px;text-transform:uppercase;color:#9fd0f4}

  /* ---------- Exclusive DLA band (overlaps hero) ---------- */
  .dla-band{position:relative;z-index:5;margin-top:-78px}
  .dla-card{background:linear-gradient(120deg,#fff 0%,#fff 58%,var(--mist) 100%);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:34px 40px;display:flex;align-items:center;gap:30px;flex-wrap:wrap;position:relative;overflow:hidden}
  .dla-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:linear-gradient(var(--blue-bright),var(--blue))}
  .dla-card .badge{width:84px;height:108px;border-radius:14px;background:#eaf2fa;display:grid;place-items:center;overflow:hidden;box-shadow:var(--shadow-sm);flex:none}
  .dla-card .info{flex:1;min-width:260px}
  .dla-card .kicker{font-size:11.5px;letter-spacing:2.4px;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:6px}
  .dla-card .info h3{font-size:24px;margin-bottom:6px}
  .dla-card .info p{color:var(--muted);font-size:14.6px;max-width:560px}
  .dla-card .info p b{color:var(--navy);font-weight:600}

  /* ---------- Sections ---------- */
  section{padding:88px 0}
  .sec-head{max-width:680px;margin-bottom:50px}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .tag{font-size:11.5px;letter-spacing:2.6px;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:14px;display:inline-block}
  .sec-head h2{font-size:clamp(28px,4vw,44px);font-weight:600}
  .sec-head p{color:var(--muted);font-size:17px;margin-top:16px}

  /* ABOUT */
  .about{background:var(--cloud)}
  .about-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:stretch}
  .about-copy p{color:var(--muted);margin-bottom:16px;font-size:16px}
  .heritage{display:flex;align-items:center;gap:18px;margin-top:26px;padding-top:26px;border-top:1px solid var(--line)}
  .heritage .big{font-family:'Fraunces',serif;font-size:56px;font-weight:600;color:var(--blue);line-height:.9}
  .heritage .lbl{font-size:14px;color:var(--muted);line-height:1.4}
  .heritage .lbl b{display:block;color:var(--navy);font-size:16px;font-weight:600}
  .factcard{background:linear-gradient(160deg,var(--navy),var(--ink));color:#dce9f5;border-radius:20px;padding:36px;box-shadow:var(--shadow);position:relative;overflow:hidden}
  .factcard::after{content:"";position:absolute;right:-40px;top:-40px;width:160px;height:160px;border:1px solid rgba(159,208,244,.18);border-radius:50%}
  .factcard h4{font-family:'IBM Plex Sans';font-size:12px;letter-spacing:2.4px;text-transform:uppercase;color:#9fd0f4;margin-bottom:22px}
  .factcard .row{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14.5px}
  .factcard .row:last-child{border-bottom:none}
  .factcard .row span{color:#9bb4cc}
  .factcard .row b{color:#fff;text-align:right;font-weight:600}

  /* card grids */
  .cards{display:grid;gap:24px}
  .c3{grid-template-columns:repeat(3,1fr)}
  .c4{grid-template-columns:repeat(4,1fr)}
  .card{border-radius:18px;padding:32px;transition:.24s}
  .card .ic{width:52px;height:52px;border-radius:13px;display:grid;place-items:center;margin-bottom:20px}
  .card h3{font-size:21px;margin-bottom:10px}
  .card p{font-size:14.8px}
  .card .more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-size:13.5px;font-weight:600;color:var(--blue);font-family:'IBM Plex Sans'}
  .card .more:hover{gap:11px}

  /* COMPLIANCE (dark) */
  .compliance{background:linear-gradient(165deg,var(--navy) 0%,var(--ink) 100%);color:#fff;position:relative;overflow:hidden}
  .compliance::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;background-image:linear-gradient(rgba(255,255,255,.9) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.9) 1px,transparent 1px);background-size:46px 46px;mask-image:radial-gradient(circle at 70% 0%,black,transparent 75%)}
  .compliance .sec-head h2{color:#fff}
  .compliance .sec-head p{color:#a9c3dc}
  .compliance .sec-head .tag{color:#7fb9ea}
  .compliance .card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);backdrop-filter:blur(4px)}
  .compliance .card:hover{transform:translateY(-5px);background:rgba(255,255,255,.09);border-color:rgba(159,208,244,.4)}
  .compliance .card .ic{background:rgba(127,185,234,.16);color:#9fd0f4}
  .compliance .card h3{color:#fff}
  .compliance .card p{color:#bcd2e8}

  /* LOANS (light) */
  .loans .card{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
  .loans .card::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--blue-bright),var(--blue));transform:scaleX(0);transform-origin:left;transition:.3s}
  .loans .card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#c2d6ea}
  .loans .card:hover::before{transform:scaleX(1)}
  .loans .card .ic{background:var(--mist);color:var(--blue)}
  .loans .card p{color:var(--muted)}

  /* PROCESS */
  .process{background:var(--mist)}
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative}
  .step{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:40px 30px 30px;box-shadow:var(--shadow-sm)}
  .step .num{position:absolute;top:-22px;left:30px;width:48px;height:48px;border-radius:13px;background:linear-gradient(145deg,var(--blue-bright),var(--blue));color:#fff;display:grid;place-items:center;font-family:'Fraunces',serif;font-weight:600;font-size:22px;box-shadow:0 12px 24px -10px rgba(31,111,178,.7)}
  .step h3{font-size:20px;margin:16px 0 8px}
  .step p{color:var(--muted);font-size:14.6px}

  /* PARTNER DISCLOSURE */
  .partner{background:#fff}
  .pcard{display:flex;align-items:center;gap:30px;background:var(--cloud);border:1px solid var(--line);border-radius:20px;padding:38px 40px;flex-wrap:wrap}
  .pcard .badge{width:92px;height:118px;border-radius:16px;background:#eaf2fa;display:grid;place-items:center;overflow:hidden;flex:none;box-shadow:var(--shadow-sm)}
  .dla-card .badge img,.pcard .badge img{width:100%;height:100%;object-fit:cover;display:block}
  .pcard .info{flex:1;min-width:260px}
  .pcard .info h3{font-size:23px;margin-bottom:8px}
  .pcard .info p{color:var(--muted);font-size:14.8px;max-width:620px}
  .pcard .info .meta{display:flex;flex-wrap:wrap;gap:6px 26px;margin-top:12px;font-size:14px;color:var(--muted)}
  .pcard .info .meta b{color:var(--navy);font-weight:600}

  /* FAQ */
  .faq-wrap{background:var(--cloud)}
  .faq{max-width:840px;margin:0 auto}
  .q{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:13px;overflow:hidden;transition:.2s}
  .q.open{border-color:#bcd6ee;box-shadow:var(--shadow-sm)}
  .q button{width:100%;text-align:left;background:none;border:none;padding:22px 26px;font-family:'IBM Plex Sans';font-size:16.5px;font-weight:600;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px}
  .q button .pm{flex:none;width:26px;height:26px;border-radius:50%;background:var(--mist);color:var(--blue);display:grid;place-items:center;font-size:20px;transition:.25s}
  .q.open button .pm{transform:rotate(45deg);background:var(--blue);color:#fff}
  .q .ans{max-height:0;overflow:hidden;transition:max-height .3s ease;color:var(--muted);font-size:15px}
  .q .ans p{padding:0 26px 22px}

  /* DISCLOSURES (dark) */
  .disc{background:linear-gradient(165deg,var(--ink),#061528);color:#dce8f3}
  .disc .sec-head h2{color:#fff}.disc .sec-head p{color:#a9c3dc}.disc .sec-head .tag{color:#7fb9ea}
  .disc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
  .disc-grid a{display:flex;align-items:center;gap:14px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:13px;padding:18px 22px;font-size:14.6px;font-weight:500;color:#eaf2fa;transition:.22s}
  .disc-grid a:hover{background:rgba(255,255,255,.1);border-color:rgba(159,208,244,.45);transform:translateY(-3px)}
  .disc-grid a .fic{flex:none;color:#5cc8ff;background:rgba(92,200,255,.16);border:1px solid rgba(92,200,255,.38);border-radius:9px;padding:7px;display:grid;place-items:center;transition:.22s}
  .disc-grid a:hover .fic{background:rgba(92,200,255,.28);color:#fff}
  .disc-note{margin-top:28px;font-size:13px;color:#88a6c2;border-top:1px solid rgba(255,255,255,.1);padding-top:22px;line-height:1.7}

  /* CONTACT */
  .contact{background:#fff}
  .contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
  .ccard{background:var(--cloud);border:1px solid var(--line);border-radius:18px;padding:36px}
  .ccard h3{font-size:21px;margin-bottom:20px}
  .ccard .line{display:flex;gap:14px;margin-bottom:16px;font-size:15px;color:var(--muted)}
  .ccard .line .fic{flex:none;color:var(--blue);margin-top:2px}
  .ccard .line b{color:var(--navy);font-weight:600}

  /* FOOTER */
  footer{background:var(--ink);color:#9fb4ca;font-size:14px}
  .foot-rbi{padding:40px 26px 0}
  .foot-rbi .wrap{padding:0;max-width:calc(var(--maxw) - 52px);display:flex;flex-wrap:wrap;align-items:center;gap:22px 34px}
  .foot-rbi-line{font-weight:600;font-size:14.5px;color:#e7eef6;max-width:640px;line-height:1.6}
  .rbi-badge.foot-rbi-badge{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14)}
  .rbi-txt.foot-rbi-txt b{color:#fff}
  .rbi-txt.foot-rbi-txt span{color:#8fd9ab}
  .foot-top{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:44px;padding:62px 26px;max-width:var(--maxw);margin:0 auto}
  .foot-top h5{color:#fff;font-family:'Fraunces',serif;font-size:17px;margin-bottom:18px}
  .foot-top .logo .txt b{color:#fff}
  .foot-top p{margin:16px 0;line-height:1.7;font-size:13.6px;color:#9fb4ca}
  .foot-top a{display:block;padding:6px 0;color:#9fb4ca;font-size:13.8px;transition:.15s}
  .foot-top a:hover{color:#fff;padding-left:4px}
  .foot-bar{border-top:1px solid rgba(255,255,255,.1);padding:24px 26px;text-align:center;font-size:12.6px;color:#7d95ab;max-width:var(--maxw);margin:0 auto}
  .disclaimer{background:#04101f;color:#6f8aa3;font-size:12px;line-height:1.75;padding:22px 26px;text-align:center}
  .disclaimer .wrap{max-width:920px}

  /* Responsive */
  @media(max-width:920px){
    .about-grid{grid-template-columns:1fr;gap:34px}
    .disc-grid{grid-template-columns:repeat(2,1fr)}
    .foot-top{grid-template-columns:1fr 1fr}
    .hero .wrap{grid-template-columns:1fr;gap:18px}
    .seal{display:none}
    .c4{grid-template-columns:repeat(2,1fr)}
  }
  @media(max-width:680px){
    nav.links{position:fixed;left:auto;top:0;right:0;height:100vh;width:78%;max-width:330px;background:#fff;flex-direction:column;align-items:flex-start;justify-content:flex-start;flex:none;padding:92px 26px 26px;gap:4px;box-shadow:-12px 0 44px rgba(0,0,0,.18);transform:translateX(100%);transition:.3s;z-index:55}
    nav.links.show{transform:translateX(0)}
    nav.links a{width:100%}
    .nav-apply{display:none}
    nav.links .mobile-apply{display:flex;margin-top:12px;width:100%;justify-content:center}
    .menu-btn{display:block;z-index:70}
    .c3,.c4,.steps,.contact-grid,.disc-grid,.foot-top{grid-template-columns:1fr}
    .foot-top{gap:30px}
    section{padding:62px 0}
    .wrap{padding:0 18px}
    .hero .wrap{padding:60px 18px 112px}
    .hero .cta-row{gap:12px}
    .hero .cta-row .btn{width:100%;justify-content:center}
    .dla-card{padding:26px 20px;gap:18px}
    .dla-card .info,.pcard .info,.lsp .info{min-width:0}
    .dla-card .btn-primary,.pcard .btn{width:100%;justify-content:center}
    .rbi-badge{max-width:100%}
    .util .sep{display:none}
    .util .wrap{gap:4px 16px}
    .factcard,.ccard{padding:24px}
  }
  @media(max-width:430px){
    .hero h1{font-size:30px;line-height:1.12}
    .hero p.lead{font-size:15px}
    .sec-head h2{font-size:24px}
    .logo .txt b{font-size:16px}
    .dla-card .info h3,.pcard .info h3{font-size:20px}
    .lsp-line{font-size:20px}
    .disc-grid a,.q button{font-size:14.5px}
  }

  /* RBI trust strip */
  .trust-strip{background:var(--paper);padding:34px 0 6px;text-align:center}
  .rbi-badge{display:inline-flex;align-items:center;gap:18px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 30px 16px 18px;box-shadow:var(--shadow-sm)}
  .rbi-chip{width:64px;height:64px;border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;flex:none;overflow:hidden}
  .rbi-chip img{width:54px;height:54px;object-fit:contain;display:block}
  .rbi-txt{text-align:left}
  .rbi-txt b{display:block;font-family:'Fraunces',serif;font-size:20px;color:var(--navy);font-weight:600;line-height:1.1}
  .rbi-txt span{font-size:13.5px;color:var(--muted)}
  .lsp-line{font-family:'Fraunces',serif;font-size:23px;color:var(--blue);font-weight:600;margin-top:8px}
  @media(max-width:680px){.rbi-badge{gap:14px;padding:14px 20px 14px 14px}.rbi-chip{width:54px;height:54px}.rbi-chip img{width:46px;height:46px}.rbi-txt b{font-size:17px}}