:root{
  --green:#163f2c; --green-2:#1f5a3f; --green-dark:#0e2a1d;
  --gold:#b8913f; --gold-2:#d4b06a; --gold-soft:#f3e7cb;
  --cream:#fffbf0; --cream-2:#f7f1e1; --ink:#1d2a23; --muted:#56635b; --line:#e6dcc4;
  --radius:14px; --shadow:0 10px 30px rgba(14,42,29,.08);
  --serif:Georgia,"Times New Roman",Cambria,serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--cream);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--green-2)}
h1,h2,h3{font-family:var(--serif);color:var(--green);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.65rem,3.2vw,2.4rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.container{width:min(1120px,92%);margin:0 auto}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:.6rem}
.lead{font-size:1.15rem;color:var(--muted)}
.center{text-align:center}
.section{padding:84px 0}
.section.alt{background:var(--cream-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:720px;margin:0 auto 44px;text-align:center}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.85em 1.5em;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:transform .15s,background .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--green);color:#fff;box-shadow:0 6px 16px rgba(22,63,44,.25)}
.btn-primary:hover{background:var(--green-2)}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#a37f33}
.btn-outline{border-color:var(--green);color:var(--green);background:transparent}
.btn-outline:hover{background:var(--green);color:#fff}
.btn-block{width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,251,240,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand img{height:54px;width:auto}
.nav-links{display:flex;gap:26px;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.96rem}
.nav-links a:hover{color:var(--gold)}
.nav-links .btn{color:#fff;padding:.6em 1.2em}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.menu-toggle span{display:block;width:26px;height:2px;background:var(--green);margin:6px 0;transition:.2s}

/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--green-dark),var(--green) 55%,var(--green-2));color:#fff;padding:96px 0 104px}
.hero::after{content:"";position:absolute;right:-120px;top:-80px;width:520px;height:520px;border-radius:50%;border:2px solid rgba(212,176,106,.25);box-shadow:0 0 0 60px rgba(212,176,106,.05),0 0 0 120px rgba(212,176,106,.035)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold-2)}
.hero .lead{color:#dfe9e3;max-width:560px}
.hero .eyebrow{color:var(--gold-2)}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 22px}
.hero-ctas .btn-outline{border-color:rgba(255,255,255,.6);color:#fff}
.hero-ctas .btn-outline:hover{background:#fff;color:var(--green)}
.trust-row{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none;padding:0;margin:0;font-size:.93rem;color:#dfe9e3}
.trust-row li::before{content:"✓";color:var(--gold-2);font-weight:800;margin-right:.45em}
.hero-card{background:var(--cream);color:var(--ink);border-radius:20px;padding:30px;box-shadow:0 24px 60px rgba(0,0,0,.25);border-top:5px solid var(--gold)}
.hero-card h3{margin-bottom:.8em}
.hero-card ol{margin:0 0 1.2em;padding-left:1.2em}
.hero-card li{margin-bottom:.55em}
.hero-card .small{font-size:.85rem;color:var(--muted);margin:0}

/* cards */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.icon{width:52px;height:52px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:26px;height:26px;stroke:var(--green);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card ul{padding-left:1.1em;margin:0}
.card li{margin-bottom:.35em}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--gold-soft);color:#7a5e22;border-radius:999px;padding:.25em .8em;margin-bottom:12px}
.teaser{margin-top:28px;display:flex;gap:18px;align-items:center;border:1px dashed var(--gold);border-radius:var(--radius);padding:20px 24px;background:#fffdf7}
.teaser p{margin:0}

/* steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;list-style:none;padding:0;margin:0}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:56px 22px 22px;box-shadow:var(--shadow)}
.steps li::before{counter-increment:step;content:counter(step);position:absolute;top:18px;left:22px;width:30px;height:30px;border-radius:50%;background:var(--green);color:var(--gold-2);font-weight:800;display:grid;place-items:center;font-family:var(--serif)}
.steps h3{font-size:1.1rem}
.steps p{font-size:.95rem;color:var(--muted);margin:0}

/* pricing */
.pricing{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.price-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 28px;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.price-card.featured{border:2px solid var(--gold);position:relative;transform:translateY(-8px)}
.price-card.featured .ribbon{position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--gold);color:#fff;font-size:.75rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:.35em 1em;border-radius:999px;white-space:nowrap}
.price{font-family:var(--serif);font-size:2.8rem;color:var(--green);line-height:1;margin:.2em 0}
.price small{font-family:var(--sans);font-size:1rem;color:var(--muted)}
.when{font-size:.9rem;color:#7a5e22;background:var(--gold-soft);border-radius:8px;padding:.5em .8em;margin:.4em 0 1.2em}
.price-card ul{list-style:none;padding:0;margin:0 0 1.6em;flex:1}
.price-card li{padding:.45em 0 .45em 1.6em;position:relative;border-bottom:1px solid #f1ebdc;font-size:.97rem}
.price-card li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.fine{font-size:.88rem;color:var(--muted);max-width:820px;margin:28px auto 0;text-align:center}

/* notice */
.notice{background:#fff;border-left:5px solid var(--gold);border-radius:10px;padding:22px 26px;box-shadow:var(--shadow)}
.notice h3{font-size:1.1rem}
.notice p:last-child{margin:0}

/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;font-weight:700;padding:18px 30px 18px 0;position:relative;color:var(--green)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.6rem;color:var(--gold);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted)}

/* about */
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:center}
.about-badge{background:#fff;border-radius:24px;padding:40px;box-shadow:var(--shadow);border:1px solid var(--line);text-align:center}
.about-badge img{width:160px;margin:0 auto 14px}
.values{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px}
.values li{padding-left:34px;position:relative}
.values li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--gold-soft);border:2px solid var(--gold)}
.placeholder{background:#fff6d8;border:1px dashed #c9a24a;border-radius:6px;padding:.1em .45em;font-size:.92em;color:#6b5218}
.placeholder-block{background:#fff6d8;border:1px dashed #c9a24a;border-radius:10px;padding:14px 18px;color:#6b5218;font-size:.95rem}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.contact-list{list-style:none;padding:0;margin:0 0 24px}
.contact-list li{display:flex;gap:14px;align-items:flex-start;margin-bottom:18px}
.contact-list .icon{margin:0;flex:0 0 46px;width:46px;height:46px}
.contact-list strong{display:block;color:var(--green)}
.contact-list a{text-decoration:none;font-weight:600}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}
input,select,textarea{width:100%;font:inherit;padding:.75em .9em;border:1px solid #d7ccb1;border-radius:10px;background:#fff;color:var(--ink);margin-bottom:16px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold-2);border-color:var(--gold)}
textarea{min-height:120px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--muted)}
.check input{width:auto;margin:4px 0 0}
.form-note{font-size:.82rem;color:var(--muted);margin-top:12px}
.form-status{margin-top:12px;font-weight:600}

/* cta band */
.cta-band{background:var(--green);color:#fff;padding:60px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#dfe9e3}

/* footer */
.site-footer{background:var(--green-dark);color:#c9d6ce;padding:56px 0 28px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
.site-footer h4{color:var(--gold-2);font-family:var(--serif);font-size:1.05rem;margin:0 0 12px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.footer-logo{background:var(--cream);border-radius:10px;padding:8px 12px;display:inline-block;margin-bottom:14px}
.footer-logo img{height:44px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:22px;font-size:.8rem;color:#9fb2a7}
.legal p{margin-bottom:.7em}

/* legal pages */
.doc{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:48px;box-shadow:var(--shadow)}
.doc h2{font-size:1.4rem;margin-top:1.6em}
.page-hero{background:var(--green);color:#fff;padding:56px 0}
.page-hero h1{color:#fff;margin:0}

/* responsive */
@media (max-width:980px){
  .hero-grid,.about-grid,.contact-grid{grid-template-columns:1fr}
  .grid-3,.pricing{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .price-card.featured{transform:none}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .menu-toggle{display:block}
  .nav-links{position:absolute;top:76px;left:0;right:0;flex-direction:column;gap:0;background:var(--cream);border-bottom:1px solid var(--line);padding:8px 0 16px;display:none}
  .nav-links.open{display:flex}
  .nav-links li{width:100%;text-align:center}
  .nav-links a{display:block;padding:12px}
  .nav-links .btn{display:inline-flex;margin-top:8px}
}
@media (max-width:640px){
  body{font-size:16px}
  .section{padding:60px 0}
  .hero{padding:64px 0 72px}
  .brand img{height:44px}
  .grid-3,.grid-2,.pricing,.steps,.footer-grid,form .row{grid-template-columns:1fr}
  .hero-ctas .btn{width:100%}
  .doc{padding:28px 22px}
  .teaser{flex-direction:column;align-items:flex-start}
}
.about-badge img{height:auto}
.footer-logo img{width:auto}
.brand img{width:auto}

/* wordmark (Premium Credit Partners) */
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none}
.brand img{height:50px;width:50px}
.wordmark{display:flex;flex-direction:column;line-height:1;font-family:var(--serif);text-transform:uppercase;white-space:nowrap}
.wm-1{color:var(--green);font-weight:700;font-size:1.45rem;letter-spacing:.08em}
.wm-2{color:var(--gold);font-size:.78rem;letter-spacing:.16em;margin-top:5px;padding-top:4px;border-top:1px solid var(--gold-2)}
.footer-logo.brand{padding:8px 14px}
.footer-logo.brand img{height:42px;width:42px}
.site-footer .footer-logo .wm-1{color:var(--green)}
.tradename{font-size:.85rem;color:#9fb2a7}
.footer-grid{grid-template-columns:1.4fr 1fr 1.1fr 1.1fr}

/* areas */
.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.area-card{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:18px 22px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s}
.area-card:hover{transform:translateY(-2px)}
.area-card strong{font-family:var(--serif);color:var(--green);font-size:1.1rem}
.area-card span{font-size:.9rem;color:var(--muted)}
.area-card:not(.static) strong::after{content:" →";color:var(--gold)}
.page-hero .lead{color:#dfe9e3;margin:.6em 0 0;max-width:760px}
.page-hero .eyebrow{color:var(--gold-2)}
.doc .resources li{margin-bottom:.5em}
.doc .cta-inline{background:var(--cream-2);border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin-top:28px}
.doc .nearby{font-size:.95rem;color:var(--muted)}
@media (max-width:980px){.footer-grid{grid-template-columns:1fr 1fr}.area-grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.footer-grid,.area-grid{grid-template-columns:1fr}.brand img{height:42px;width:42px}.wm-1{font-size:1.2rem}.wm-2{font-size:.66rem}}
.doc > h2:first-child{margin-top:0}