/* SmoothBorrow - "No Edges". Soft blue wash, warm coral accents, 20px+ radii, no rules anywhere. */
:root{
  --bg:#F4F7F9;--card:#FFFFFF;--ink:#15242F;--text:#24333E;--muted:#52646F;
  --accent:#E08A5A;--accent-deep:#35607F;--accent-tint:#DCE9F1;--line:#E0E7EB;
  --blue:#4A7FA8;--tint2:#B4CFE1;--tint3:#CBE0EC;--deep2:#2B5068;
  --foot-bg:#15242F;--foot-text:#CCDCE6;--foot-dim:#B8C9D4;--foot-link:#F0A077;
  --fd:"Geologica",system-ui,sans-serif;--fb:"Varta",system-ui,sans-serif;--r:20px;--wrap:1140px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.65;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.16;margin:0;font-weight:600}
p,ul{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--accent-deep);color:#FFFFFF;padding:10px 18px;z-index:70;border-radius:999px;text-decoration:none}
.skip:focus{left:12px;top:12px}
.eyebrow{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.15em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--fd);font-weight:600;font-size:16.5px;padding:16px 32px;border-radius:999px;border:0;text-decoration:none;cursor:pointer;transition:background .16s ease,transform .16s ease}
.btn-primary{background:var(--accent-deep);color:#FFFFFF}
.btn-primary:hover{background:var(--deep2);transform:translateY(-1px)}
.btn-ghost{background:var(--accent-tint);color:var(--ink)}
.btn-ghost:hover{background:var(--tint2)}
.btn svg{width:16px;height:16px;flex:0 0 16px}

/* header - centred wordmark, nested-arc mark to its left, nothing ruled under it */
.mast{position:relative;z-index:8;background:transparent}
.mast-in{position:relative;display:flex;align-items:center;justify-content:center;height:74px}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:11px}
.brand .mark{width:30px;height:30px;flex:0 0 30px}
.wm{font-family:var(--fd);font-weight:500;font-size:23px;letter-spacing:-.015em;color:var(--ink)}
.wm b{font-weight:700;color:var(--accent-deep)}
.nav{display:none}
.nb{display:none;position:absolute;right:0;top:50%;transform:translateY(-50%);width:44px;height:44px;border:0;background:rgba(74,127,168,.14);border-radius:15px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:860px){
  .nb{display:inline-flex}
  .nav{display:none;position:absolute;top:66px;right:0;min-width:214px;background:var(--card);border-radius:20px;flex-direction:column;align-items:stretch;gap:2px;padding:9px;box-shadow:0 22px 48px -16px rgba(21,36,47,.3);z-index:9}
  .nav.open{display:flex}
  .nav a{font-family:var(--fd);font-weight:500;font-size:15.5px;color:var(--ink);text-decoration:none;padding:11px 15px;border-radius:13px}
  .nav a:hover{background:var(--accent-tint)}
}

/* hero - a vertical wash from canvas to pale blue, no photo, no edge anywhere */
.hero{position:relative;padding:30px 0 74px;overflow:hidden;background:linear-gradient(180deg,#F4F7F9 0%,#EFF5F8 28%,#E7F0F6 60%,#DCE9F1 100%)}
.hero::before{content:"";position:absolute;left:50%;top:-180px;width:min(1240px,170vw);height:680px;transform:translateX(-50%);background:radial-gradient(58% 64% at 50% 50%,rgba(180,207,225,.62) 0%,rgba(180,207,225,0) 72%);pointer-events:none}
.hero::after{content:"";position:absolute;left:50%;bottom:-300px;width:min(1000px,150vw);height:520px;transform:translateX(-50%);background:radial-gradient(50% 50% at 50% 50%,rgba(224,138,90,.14) 0%,rgba(224,138,90,0) 70%);pointer-events:none}
.hero-in{position:relative;z-index:1;text-align:center}
.hero-eyebrow{font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep);margin-bottom:18px}
.form-card{position:relative;background:var(--card);border-radius:var(--r);box-shadow:0 2px 6px rgba(21,36,47,.05),0 26px 64px -20px rgba(21,36,47,.26);padding:26px 26px 20px;width:100%;max-width:var(--card-max,840px);margin:0 auto;text-align:left}
.form-card__head h2{font-size:25px;letter-spacing:-.018em}
.form-card__head p{margin-top:6px;color:var(--muted);font-size:14.5px;line-height:1.5}
.form-host{margin-top:16px}
.form-card__trust{margin-top:15px;font-size:12.5px;color:var(--muted);text-align:center;line-height:1.55}
:root{--card-max:840px;--cta-text:#FFFFFF}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin:24px auto 0;padding:0;list-style:none;max-width:780px}
.chips li{display:inline-flex;align-items:center;gap:8px;font-family:var(--fd);font-weight:500;font-size:14px;color:var(--ink);background:rgba(255,255,255,.72);padding:9px 17px 9px 12px;border-radius:999px}
.chips svg{width:15px;height:15px;flex:0 0 15px}
.hero-h1{font-size:clamp(29px,4.4vw,47px);letter-spacing:-.025em;max-width:820px;margin:36px auto 0}
.hero-sub{max-width:660px;margin:15px auto 0;font-size:17.5px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:20px 0 56px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:20px 16px 16px;border-radius:22px}
  .form-card__head h2{font-size:23px}
  .chips{gap:8px;margin-top:20px}
  .chips li{font-size:13px;padding:8px 14px 8px 10px}
  .hero-eyebrow{font-size:11px;letter-spacing:.11em;margin-bottom:14px}
  .hero-h1{margin-top:28px}
  .hero-sub{font-size:16.5px}
}

/* recognition - its own highlighted band, blending out of the hero wash */
.recog{background:linear-gradient(180deg,#DCE9F1 0%,#D8E7F0 42%,#F4F7F9 100%);padding:6px 0 48px}
.recog-panel{background:linear-gradient(168deg,#CFE3EF 0%,#DFEBF3 100%);border-radius:44px;padding:54px 46px 50px;max-width:1000px;margin:0 auto;text-align:center}
.recog-panel h2{font-size:clamp(25px,3.2vw,36px);margin-top:10px;letter-spacing:-.022em;max-width:720px;margin-left:auto;margin-right:auto}
.recog-list{list-style:none;margin:30px 0 0;padding:0;display:flex;flex-direction:column;align-items:center;gap:8px}
.recog-list li{font-family:var(--fd);font-weight:500;font-size:clamp(18.5px,2.3vw,25px);line-height:1.32;color:var(--ink);max-width:660px;position:relative;padding-top:18px}
.recog-list li+li::before{content:"";position:absolute;left:50%;top:4px;width:6px;height:6px;border-radius:50%;background:var(--accent);transform:translateX(-50%)}
.recog-close{margin:34px auto 0;max-width:740px;color:var(--text);font-size:16.5px}
.recog-panel .btn{margin-top:26px}
@media(max-width:700px){.recog-panel{border-radius:30px;padding:38px 22px 40px}.recog{padding:4px 0 40px}}

/* how it works - three large pill panels in a soft overlapping cascade */
.how{padding:16px 0 78px}
.sec-head{max-width:760px;margin:0 auto;text-align:center}
.sec-head h2{font-size:clamp(26px,3.5vw,39px);margin-top:10px;letter-spacing:-.022em}
.sec-head>p:not(.eyebrow){margin-top:14px;color:var(--muted);font-size:17px}
.cascade{margin:44px auto 0;max-width:900px;display:flex;flex-direction:column;align-items:center}
.pill{background:var(--card);border-radius:999px;padding:32px 64px;box-shadow:0 2px 5px rgba(21,36,47,.04),0 24px 52px -22px rgba(21,36,47,.3);display:grid;grid-template-columns:50px 1fr;gap:4px 22px;align-items:center;position:relative}
.pill+.pill{margin-top:-16px}
.pill:nth-of-type(1){z-index:3;width:100%}
.pill:nth-of-type(2){z-index:2;width:94%}
.pill:nth-of-type(3){z-index:1;width:88%}
.pill .n{width:50px;height:50px;border-radius:50%;background:var(--accent-tint);color:var(--accent-deep);font-family:var(--fd);font-weight:700;font-size:17px;display:flex;align-items:center;justify-content:center}
.pill h3{font-size:21px;letter-spacing:-.012em}
.pill p{margin-top:6px;color:var(--muted);font-size:15.5px;line-height:1.6}
@media(max-width:860px){
  .pill{border-radius:30px;padding:24px 24px;grid-template-columns:44px 1fr;gap:6px 16px;align-items:start}
  .pill .n{width:44px;height:44px;font-size:16px}
  .pill:nth-of-type(1),.pill:nth-of-type(2),.pill:nth-of-type(3){width:100%}
  .pill+.pill{margin-top:-12px}
  .how{padding:8px 0 58px}
  .cascade{margin-top:34px}
}

/* why - a deep rounded panel, artwork + trio, inset from both margins */
.why{padding:0 0 78px}
.why-panel{background:radial-gradient(130% 120% at 18% 0%,#1F3F53 0%,#15242F 64%);border-radius:48px;padding:60px 54px;color:var(--foot-text);overflow:hidden}
.why-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center}
.why .eyebrow{color:var(--foot-link)}
.why h2{color:#F2F7FA;font-size:clamp(26px,3.3vw,37px);margin-top:10px;letter-spacing:-.022em}
.why-lead{margin-top:16px;color:var(--foot-dim);font-size:16.5px}
.trio{list-style:none;margin:30px 0 0;padding:0;display:flex;flex-direction:column;gap:20px}
.trio li{display:grid;grid-template-columns:36px 1fr;gap:15px;align-items:start}
.trio i{width:36px;height:36px;border-radius:50%;background:rgba(224,138,90,.2);display:flex;align-items:center;justify-content:center;margin-top:2px}
.trio i svg{width:17px;height:17px}
.trio h3{color:#F2F7FA;font-size:18px}
.trio p{margin-top:5px;color:var(--foot-dim);font-size:15.5px;line-height:1.6}
.art{width:100%;max-width:500px;margin:0 auto;border-radius:36px}
@media(max-width:900px){
  .why-panel{border-radius:32px;padding:40px 24px}
  .why-grid{grid-template-columns:1fr;gap:34px}
  .why{padding:0 0 56px}
  .art{max-width:430px;order:2}
}

/* photo band - the water photograph, heavily rounded, inset from both margins */
.photo{padding:0 0 78px}
.photo-in{position:relative;border-radius:46px;overflow:hidden;box-shadow:0 34px 76px -36px rgba(21,36,47,.5)}
.photo-in picture{display:block}
.photo-in img{width:100%;height:clamp(300px,40vw,500px);object-fit:cover;object-position:center}
.photo-cap{position:absolute;left:0;right:0;bottom:0;padding:110px 48px 42px;background:linear-gradient(180deg,rgba(21,36,47,0) 0%,rgba(21,36,47,.62) 36%,rgba(21,36,47,.9) 72%,rgba(21,36,47,.95) 100%)}
.photo-cap .eyebrow{color:var(--foot-link)}
.photo-cap .pc-line{margin-top:10px;font-family:var(--fd);font-weight:500;color:#FFFFFF;font-size:clamp(21px,2.9vw,33px);line-height:1.26;letter-spacing:-.022em;max-width:640px}
@media(max-width:600px){
  .photo-in{border-radius:28px}
  .photo-cap{padding:90px 22px 26px}
  .photo{padding:0 0 54px}
}

/* faq - rounded tinted rows, no borders, a gentle tint change on open */
.faq{padding:0 0 78px}
.faq-list{margin:38px auto 0;max-width:880px;display:flex;flex-direction:column;gap:12px}
.frow{background:var(--accent-tint);border-radius:22px;transition:background .18s ease}
.frow[open]{background:var(--tint3)}
.frow summary{list-style:none;cursor:pointer;padding:20px 28px;font-family:var(--fd);font-weight:600;font-size:17.5px;color:var(--ink);line-height:1.35}
.frow summary::-webkit-details-marker{display:none}
.frow summary::marker{content:""}
.frow summary:focus-visible{outline:2px solid var(--accent-deep);outline-offset:3px;border-radius:22px}
.frow .fa{padding:0 28px 22px;color:var(--text);font-size:16px;max-width:740px;line-height:1.68}
@media(max-width:600px){.frow summary{padding:17px 20px;font-size:16.5px}.frow .fa{padding:0 20px 18px;font-size:15.5px}.faq{padding:0 0 56px}}

/* closing call to action - a pale rounded panel over the water crop */
.close{padding:0 0 86px}
.close-panel{position:relative;overflow:hidden;border-radius:48px;padding:64px 54px;text-align:center;background:linear-gradient(142deg,rgba(238,244,249,.95) 0%,rgba(214,230,241,.93) 55%,rgba(199,220,234,.94) 100%),url(/band.webp) center/cover no-repeat}
.close-panel h2{font-size:clamp(26px,3.5vw,39px);margin-top:10px;letter-spacing:-.022em;max-width:700px;margin-left:auto;margin-right:auto}
.close-panel>p:not(.eyebrow):not(.close-note){margin:15px auto 0;max-width:640px;color:var(--text)}
.close-panel .btn{margin-top:28px}
.close-note{margin-top:18px;font-size:13.5px;color:var(--muted)}
@media(max-width:700px){.close-panel{border-radius:30px;padding:44px 22px}.close{padding:0 0 60px}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:58px 0 44px;font-size:14.5px;border-radius:46px 46px 0 0}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 48px;align-items:start}
.foot .brand .mark{width:30px;height:30px}
.foot .wm{color:#F2F7FA}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:13px;color:var(--foot-dim);max-width:580px;font-size:14.5px;line-height:1.65}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fd);font-weight:500;font-size:15.5px;text-decoration:none;background:rgba(240,160,119,.14);padding:11px 19px;border-radius:999px;display:inline-block;white-space:nowrap}
.foot-mail:hover{background:rgba(240,160,119,.24)}
.foot-nav{display:flex;flex-wrap:wrap;gap:9px 10px;margin:28px 0 0;padding:0}
.foot-nav a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:500;font-size:14.5px;background:rgba(204,220,230,.09);padding:9px 17px;border-radius:999px}
.foot-nav a:hover{background:rgba(240,160,119,.18);color:var(--foot-link)}
.legal-links{margin:10px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:500;font-size:14px;background:rgba(204,220,230,.09);padding:9px 17px;border-radius:999px;display:inline-block}
.legal-links a:hover{background:rgba(240,160,119,.18);color:var(--foot-link)}
.disc{margin-top:28px;background:rgba(204,220,230,.05);border-radius:26px;padding:24px 26px 12px}
.disc p{color:var(--foot-dim);margin:0 0 11px}
.disc b,.disc strong{color:#F2F7FA;font-weight:700}
.disc a{color:var(--foot-link)}
@media(max-width:760px){
  .foot{border-radius:30px 30px 0 0;padding:44px 0 36px}
  .foot-top{grid-template-columns:1fr}
  .disc{padding:20px 18px 10px;border-radius:20px}
}

/* subpage prose - how it works, contact, privacy, terms, unsubscribe, do not sell, 404 */
.sub main{background:var(--bg)}
.prose{max-width:720px;padding:48px 22px 86px}
.prose h1{font-size:clamp(30px,4.2vw,42px);letter-spacing:-.024em}
.prose .updated{margin-top:12px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:22px;margin-top:40px;letter-spacing:-.014em}
.prose h3{font-size:18px;margin-top:26px}
.prose p{margin-top:14px;line-height:1.72}
.prose ul{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:9px;line-height:1.7;padding-left:4px}
.prose li::marker{color:var(--accent)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose .btn{margin-top:24px;margin-right:10px;text-decoration:none}
.prose a.btn.btn-primary{background:var(--accent-deep);color:#FFFFFF;text-decoration:none}
.prose a.btn.btn-ghost{background:var(--accent-tint);color:var(--ink);text-decoration:none}
.prose .unsub-card{border:0;border-radius:26px;box-shadow:0 2px 6px rgba(21,36,47,.04),0 22px 50px -24px rgba(21,36,47,.3)}
.prose .unsub-field input,.prose .unsub-field select{border-radius:14px;border-color:var(--line)}
.prose .unsub-form__submit{background:var(--accent-deep);color:#FFFFFF}
.prose .unsub-form__submit:hover{background:var(--deep2)}
.prose .unsub-msg--success{background:var(--accent-tint);color:var(--ink);border-radius:14px}
.cmp-modal-body .unsub-form__submit{background:var(--accent-deep);color:#FFFFFF}
.cmp-modal-card{border-radius:26px}
.cmp-modal-head{border:0;border-radius:26px 26px 0 0}
.cmp-modal-close{border-radius:999px}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}