:root {
  --primary: #0a4da3;
  --secondary: #00a88f;
  --accent: #f7941e;
  --dark: #1f2937;
  --light: #f8fafc;
  --muted: #64748b;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--dark);
  background: #fff;
  line-height: 1.6;
}
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { width: min(1100px, 92%); margin: 0 auto; }
header {
  border-bottom: 1px solid #e5e7eb;
  position: sticky;
  top: 0;
  z-index: 10;
  background: white;
}
.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.8rem 0;
}
.brand {
  font-weight: 800;
  color: var(--primary);
  letter-spacing: 0.3px;
}
.brand small {
  color: var(--muted);
  display: block;
  font-size: 0.7rem;
  font-weight: 600;
}
nav ul {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 1rem;
}
.hero {
  background: linear-gradient(120deg, #eef5ff 0%, #ecfeff 100%);
  padding: 3.2rem 0;
}
.hero h1 { font-size: clamp(1.9rem, 4vw, 3rem); line-height: 1.2; margin: 0 0 1rem; }
.hero p { max-width: 70ch; color: #374151; }
.btn {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  padding: 0.75rem 1.1rem;
  border-radius: 8px;
  margin-right: 0.5rem;
}
.btn.secondary { background: var(--secondary); }
section { padding: 2.6rem 0; }
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 1rem;
}
.card {
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 1rem;
  background: #fff;
}
.card h3 { margin-top: 0.2rem; }
.stats { background: var(--light); }
.stat {
  text-align: center;
  background: #fff;
  border-radius: 12px;
  padding: 1rem;
  border: 1px solid #e5e7eb;
}
.stat strong {
  display: block;
  font-size: 1.7rem;
  color: var(--primary);
}
.loan-links a {
  display: block;
  padding: 0.5rem 0;
  border-bottom: 1px dashed #e5e7eb;
}
.testimonial blockquote {
  margin: 0;
  color: #374151;
  font-style: italic;
}
.faq details {
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  padding: 0.9rem;
  margin-bottom: 0.8rem;
  background: #fcfdff;
}
footer {
  background: #0f172a;
  color: #d1d5db;
  padding: 2.1rem 0;
}
footer h4 { color: #fff; margin-bottom: 0.7rem; }
.columns {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.4rem;
}
.tag {
  display: inline-block;
  background: #e0f2fe;
  color: #075985;
  padding: 0.25rem 0.55rem;
  border-radius: 999px;
  font-size: 0.8rem;
  margin-bottom: 0.5rem;
}
.notice {
  background: #fff7ed;
  border: 1px solid #fed7aa;
  border-radius: 10px;
  padding: 0.8rem;
}
@media (max-width: 700px) {
  .topbar { flex-direction: column; align-items: flex-start; }
}