/* ============================================================
   Steady Capital — custom design system
   Blend: OnDeck clean layout · Bluevine polish · Credibly conversion
   ============================================================ */

:root{
  --navy:#0B2942;
  --navy-deep:#081f33;
  --navy-700:#11324f;
  --green:#19C37D;
  --green-dark:#12a268;
  --green-ink:#06281B;
  --ink:#0F1B2A;
  --muted:#5A6B7C;
  --line:#E5EBF1;
  --bg:#FFFFFF;
  --bg-alt:#F3F7FA;
  --bg-tint:#EAF6F0;
  --white:#fff;
  --radius:14px;
  --radius-lg:22px;
  --radius-pill:999px;
  --shadow-sm:0 1px 2px rgba(11,41,66,.06), 0 2px 8px rgba(11,41,66,.05);
  --shadow:0 10px 30px rgba(11,41,66,.10);
  --shadow-lg:0 24px 60px rgba(11,41,66,.18);
  --maxw:1140px;
  --font:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --display:'Plus Jakarta Sans','Inter',system-ui,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);
  line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:var(--display);line-height:1.12;margin:0;letter-spacing:-.02em;color:var(--ink)}
p{margin:0}

.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.wrap--narrow{max-width:820px}

.eyebrow{
  display:inline-block;font-family:var(--font);font-weight:700;font-size:.78rem;
  letter-spacing:.09em;text-transform:uppercase;color:var(--green-dark);margin-bottom:14px;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--font);font-weight:600;font-size:1rem;line-height:1;
  padding:14px 24px;border-radius:var(--radius-pill);border:2px solid transparent;
  cursor:pointer;transition:transform .15s ease,box-shadow .2s ease,background .2s ease,color .2s ease;white-space:nowrap;
}
.btn--sm{padding:10px 18px;font-size:.92rem}
.btn--lg{padding:17px 30px;font-size:1.05rem}
.btn--primary{background:var(--green);color:var(--green-ink);box-shadow:0 8px 20px rgba(25,195,125,.28)}
.btn--primary:hover{background:var(--green-dark);transform:translateY(-2px);box-shadow:0 12px 26px rgba(25,195,125,.36)}
.btn--ghost{background:rgba(255,255,255,.08);color:var(--white);border-color:rgba(255,255,255,.35)}
.btn--ghost:hover{background:rgba(255,255,255,.16);transform:translateY(-2px)}
.btn--outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--outline:hover{background:var(--navy);color:var(--white);transform:translateY(-2px)}

/* ---------- Utility bar ---------- */
.utilbar{background:var(--navy-deep);color:#cfe0ee;font-size:.85rem}
.utilbar__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:9px;padding-bottom:9px}
.utilbar__msg{opacity:.9}
.utilbar__phone{font-weight:600;color:#fff}
.utilbar__phone:hover{color:var(--green)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:var(--shadow-sm)}
.site-header__inner{display:flex;align-items:center;gap:24px;height:70px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:800;font-size:1.3rem;color:var(--navy)}
.brand__accent{color:var(--green-dark)}
.brand__mark{display:inline-flex}
.nav{display:flex;gap:28px;margin-left:8px}
.nav a{font-weight:500;color:var(--ink);font-size:.98rem;padding:6px 0;position:relative}
.nav a:hover{color:var(--green-dark)}
.nav a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--green);transition:width .2s}
.nav a:hover::after{width:100%}
.header__actions{margin-left:auto;display:flex;align-items:center;gap:18px}
.link-phone{font-weight:700;color:var(--navy)}
.link-phone:hover{color:var(--green-dark)}

.navtoggle{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:8px;cursor:pointer}
.navtoggle span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.25s}
.navtoggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.navtoggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.navtoggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;background:
  radial-gradient(1100px 520px at 85% -10%, rgba(25,195,125,.18), transparent 60%),
  linear-gradient(180deg,#0B2942 0%, #0d2f4c 100%);
  color:#eaf2f8;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 12% 110%, rgba(25,195,125,.10), transparent 60%);pointer-events:none}
.hero__inner{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:84px 24px 92px}
.hero__copy{position:relative;z-index:1}
.hero .eyebrow{color:#7fe3b6}
.hero h1{font-size:clamp(2.4rem,5.2vw,3.85rem);font-weight:800;color:#fff;letter-spacing:-.03em}
.hero h1 .x{color:var(--green);position:relative;white-space:nowrap}
.hero__sub{margin-top:20px;font-size:1.18rem;color:#c4d6e4;max-width:33ch}
.hero__sub strong{color:#fff}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.hero__micro{margin-top:18px;font-size:.92rem;color:#8fd9b6}

/* Approval card */
.hero__card{position:relative;z-index:1;display:flex;justify-content:center}
.appcard{
  width:100%;max-width:360px;background:#fff;color:var(--ink);border-radius:var(--radius-lg);
  padding:26px 26px 22px;box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.6);
  transform:rotate(.5deg);
}
.appcard__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:8px}
.appcard__badge{background:var(--bg-tint);color:var(--green-dark);font-weight:700;font-size:.78rem;letter-spacing:.05em;text-transform:uppercase;padding:6px 12px;border-radius:var(--radius-pill)}
.appcard__dot{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(25,195,125,.2)}
.appcard__amount{font-family:var(--display);font-weight:800;font-size:2.6rem;letter-spacing:-.03em;color:var(--navy)}
.appcard__label{color:var(--muted);font-size:.92rem;margin-bottom:16px}
.appcard__rows{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.appcard__rows li{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line);font-size:.92rem}
.appcard__rows span{color:var(--muted)}
.appcard__rows b{color:var(--ink);font-weight:600}
.appcard__rows b.ok{color:var(--green-dark)}
.appcard__rows b.ok::before{content:"✓ ";font-weight:700}
.appcard__bar{height:8px;border-radius:6px;background:var(--bg-alt);margin:18px 0 12px;overflow:hidden}
.appcard__bar i{display:block;height:100%;width:82%;border-radius:6px;background:linear-gradient(90deg,var(--green),var(--green-dark))}
.appcard__foot{font-size:.82rem;color:var(--muted);text-align:center}

/* ---------- Stat bar ---------- */
.statbar{background:var(--navy-700);color:#fff}
.statbar__inner{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:26px 24px}
.stat{text-align:center;padding:6px 8px;border-right:1px solid rgba(255,255,255,.12)}
.stat:last-child{border-right:0}
.stat__num{display:block;font-family:var(--display);font-weight:800;font-size:1.85rem;color:var(--green);letter-spacing:-.02em}
.stat__lbl{display:block;font-size:.86rem;color:#b8cadb;margin-top:2px}

/* ---------- Trust strip ---------- */
.trust{background:var(--bg);border-bottom:1px solid var(--line)}
.trust__inner{padding:30px 24px;text-align:center}
.trust__lead{font-weight:700;color:var(--navy);font-family:var(--display);font-size:1.05rem;margin-bottom:16px}
.trust__pills{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.trust__pills li{background:var(--bg-tint);color:var(--green-dark);font-weight:600;font-size:.9rem;padding:8px 16px;border-radius:var(--radius-pill)}

/* ---------- Generic section ---------- */
.section{padding:84px 0}
.section--alt{background:var(--bg-alt)}
.section__head{text-align:center;max-width:680px;margin:0 auto 52px}
.section__head h2{font-size:clamp(1.9rem,3.6vw,2.6rem);font-weight:800}
.section__intro{margin-top:16px;color:var(--muted);font-size:1.1rem}

/* ---------- Cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px 28px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .2s ease,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d4e6dc}
.card__icon{width:52px;height:52px;border-radius:14px;background:var(--bg-tint);color:var(--green-dark);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card__icon svg{width:26px;height:26px}
.card h3{font-size:1.2rem;font-weight:700;margin-bottom:10px}
.card p{color:var(--muted);font-size:.98rem}

/* ---------- Split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.split__media{position:relative}
.split__media img{border-radius:var(--radius-lg);box-shadow:var(--shadow);width:100%;object-fit:cover;background:var(--bg-tint);aspect-ratio:3/2}
.split__stamp{position:absolute;left:-14px;bottom:-18px;background:var(--navy);color:#fff;font-family:var(--display);font-weight:700;font-size:1.02rem;line-height:1.3;padding:16px 20px;border-radius:var(--radius);box-shadow:var(--shadow);border-left:4px solid var(--green)}
.split__copy h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin-bottom:18px}
.split__copy p{color:var(--muted);margin-bottom:14px}
.checklist{list-style:none;margin:22px 0 28px;padding:0;display:grid;gap:12px}
.checklist li{position:relative;padding-left:34px;font-weight:500;color:var(--ink)}
.checklist li::before{content:"";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:var(--bg-tint)}
.checklist li::after{content:"✓";position:absolute;left:6px;top:0;color:var(--green-dark);font-weight:800;font-size:.85rem}

/* ---------- Steps ---------- */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px 24px;box-shadow:var(--shadow-sm)}
.step__num{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;font-family:var(--display);font-weight:800;font-size:1.2rem;margin-bottom:16px}
.step h3{font-size:1.12rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.95rem}

/* ---------- Comparison ---------- */
.compare{overflow-x:auto;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--line);background:#fff}
.compare__table{width:100%;border-collapse:collapse;min-width:620px}
.compare__table th,.compare__table td{padding:16px 18px;text-align:center;border-bottom:1px solid var(--line)}
.compare__table thead th{font-family:var(--display);font-weight:700;color:var(--navy);font-size:1rem;background:var(--bg-alt)}
.compare__table tbody th{text-align:left;font-weight:600;color:var(--ink);font-size:.96rem}
.compare__table td{color:var(--muted);font-weight:600}
.compare__table .is-us{background:var(--bg-tint);color:var(--green-dark);font-weight:800}
.compare__table thead th.is-us{color:var(--green-dark);background:var(--bg-tint)}
.compare__table tr:last-child th,.compare__table tr:last-child td{border-bottom:0}

/* ---------- Testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.quote{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm)}
.quote__stars{color:#F5B301;letter-spacing:2px;margin-bottom:12px}
.quote blockquote{margin:0 0 18px;font-size:1.02rem;color:var(--ink)}
.quote figcaption{display:flex;align-items:center;gap:12px}
.avatar{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--display);font-weight:700;font-size:.92rem;flex:none}
.quote figcaption b{display:block;font-weight:700;color:var(--ink)}
.quote figcaption i{display:block;font-style:normal;color:var(--muted);font-size:.86rem}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:14px}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);overflow:hidden}
.faq__item summary{cursor:pointer;list-style:none;padding:20px 56px 20px 22px;font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.05rem;position:relative}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--green-dark);font-weight:400;transition:transform .2s}
.faq__item[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq__body{padding:0 22px 20px;color:var(--muted)}

/* ---------- Partners ---------- */
.partner-cta{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:44px}

/* ---------- CTA ---------- */
.cta{background:
  radial-gradient(800px 400px at 80% 120%, rgba(25,195,125,.22), transparent 60%),
  linear-gradient(180deg,#0d2f4c,#0B2942);color:#fff;padding:80px 0}
.cta__inner{text-align:center;max-width:720px;margin:0 auto}
.cta h2{font-size:clamp(1.9rem,3.6vw,2.6rem);color:#fff}
.cta p{margin:18px auto 0;color:#c4d6e4;font-size:1.1rem;max-width:54ch}
.cta__actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:30px}
.cta .btn--outline{border-color:rgba(255,255,255,.5);color:#fff}
.cta .btn--outline:hover{background:#fff;color:var(--navy)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);color:#b8cadb;padding:56px 0 28px;font-size:.95rem}
.site-footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
.brand--footer{color:#fff;margin-bottom:14px}
.site-footer__blurb{color:#9fb4c7;max-width:38ch}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer__list{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.site-footer__list a:hover{color:var(--green)}
.site-footer__legal{margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12)}
.site-footer__legal p{margin:0}
.disclaimer{margin-top:12px;font-size:.8rem;color:#7e94a8;line-height:1.55}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero__inner{grid-template-columns:1fr;gap:40px;padding:64px 24px 72px}
  .hero__sub{max-width:none}
  .hero__card{order:2;justify-content:flex-start}
  .cards,.quotes{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:36px}
  .site-footer__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  body{font-size:16px}
  .utilbar__msg{display:none}
  .utilbar__inner{justify-content:center}
  .site-header__inner{gap:12px;height:64px}
  .brand{font-size:1.1rem;gap:8px;white-space:nowrap}
  .brand__name{white-space:nowrap}
  .header__actions{gap:10px}
  .nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 16px;transition:max-height .28s ease,opacity .2s ease;box-shadow:var(--shadow);max-height:0;opacity:0;overflow:hidden;pointer-events:none}
  .nav.open{max-height:440px;opacity:1;pointer-events:auto}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:1.05rem}
  .nav a::after{display:none}
  .link-phone{display:none}
  .navtoggle{display:flex}
  .statbar__inner{grid-template-columns:1fr 1fr;gap:0}
  .stat{padding:14px 8px;border-right:1px solid rgba(255,255,255,.12);border-bottom:1px solid rgba(255,255,255,.12)}
  .stat:nth-child(2n){border-right:0}
  .stat:nth-child(n+3){border-bottom:0}
  .cards,.quotes,.steps{grid-template-columns:1fr}
  .section{padding:60px 0}
  .site-footer__grid{grid-template-columns:1fr 1fr;gap:28px}
  .split__stamp{left:0}
  /* Stack action buttons full-width so long labels never overflow */
  .hero__cta,.cta__actions,.partner-cta{flex-direction:column;align-items:stretch}
  .hero__cta .btn,.cta__actions .btn,.partner-cta .btn{width:100%;white-space:normal;text-align:center}
}
@media (max-width:380px){
  .appcard__amount{font-size:2.1rem}
  .brand__name{font-size:1.12rem}
}

@media (prefers-reduced-motion:reduce){
  *{scroll-behavior:auto !important;transition:none !important}
}