/* First Choice Funding — site styles */
:root {
  --ink: #0e1116;
  --ink-2: #161b22;
  --ink-3: #1f2630;
  --line: #2a323d;
  --text: #1b1f24;
  --muted: #5b6573;
  --paper: #ffffff;
  --paper-2: #f4f6f8;
  --brand: #12b76a;        /* primary green */
  --brand-dark: #0e9457;
  --brand-soft: #e7f8ef;
  --accent: #d4f34a;       /* lime highlight */
  --radius: 14px;
  --shadow: 0 10px 30px rgba(14, 17, 22, .12);
  --max: 1200px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); color: var(--text); background: var(--paper); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img, svg { max-width: 100%; display: block; }
a { color: inherit; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 28px; border-radius: 6px; font-weight: 600; font-size: 16px; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .1s; font-family: inherit; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-dark); }
.btn-outline { border-color: #fff; color: #fff; background: transparent; }
.btn-outline:hover { background: #fff; color: var(--ink); }
.btn-outline-dark { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn-outline-dark:hover { background: var(--ink); color: #fff; }
.btn-sm { padding: 9px 18px; font-size: 14px; }
.link-arrow { color: var(--brand-dark); font-weight: 600; text-decoration: none; }
.link-arrow:hover { text-decoration: underline; }

/* ---------- Top bar + header ---------- */
.topbar { background: #fff; color: var(--text); font-size: 13px; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; height: 38px; }
.topbar .social { display: flex; gap: 14px; }
.topbar .social a { opacity: .75; text-decoration: none; font-weight: 600; }
.topbar .right { display: flex; align-items: center; gap: 14px; }
.topbar .right a { text-decoration: none; }
.topbar .login { border: 1px solid var(--text); border-radius: 6px; padding: 2px 12px; }

.site-header { background: var(--ink); position: sticky; top: 0; z-index: 50; border-bottom: 1px solid #000; }
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; }
.logo-mark { width: 34px; height: 34px; }
.logo-text { font-weight: 700; letter-spacing: .14em; font-size: 15px; line-height: 1.05; text-transform: uppercase; }
.logo-text small { display: block; font-weight: 500; letter-spacing: .32em; font-size: 10px; color: var(--accent); }
.nav { display: flex; align-items: center; gap: 28px; }
.nav > a, .nav .dd > button { color: #fff; text-decoration: none; font-weight: 600; font-size: 15px; background: none; border: 0; cursor: pointer; font-family: inherit; padding: 8px 0; }
.nav > a:hover, .nav .dd > button:hover { color: var(--accent); }
.nav > a.btn-primary { background: var(--brand); padding: 10px 20px; color: #fff; }
.nav > a.btn-primary:hover { background: var(--brand-dark); color: #fff; }
.dd { position: relative; }
.dd-menu { position: absolute; top: 100%; left: -16px; background: #fff; border-radius: 10px; box-shadow: var(--shadow); padding: 10px; min-width: 280px; display: none; }
.dd:hover .dd-menu, .dd:focus-within .dd-menu { display: block; }
.dd-menu a { display: block; padding: 10px 12px; border-radius: 8px; text-decoration: none; color: var(--text); font-size: 14px; font-weight: 600; }
.dd-menu a span { display: block; font-weight: 400; color: var(--muted); font-size: 13px; }
.dd-menu a:hover { background: var(--paper-2); }
.nav-toggle { display: none; background: none; border: 0; color: #fff; cursor: pointer; padding: 8px; }

/* ---------- Hero ---------- */
.hero { background: var(--ink); color: #fff; overflow: hidden; position: relative; }
.hero .container { display: grid; grid-template-columns: 1.05fr 1fr; gap: 40px; align-items: center; padding-top: 72px; padding-bottom: 96px; }
.eyebrow { color: var(--accent); font-size: 22px; font-weight: 500; margin: 0 0 12px; }
.hero h1 { font-size: clamp(38px, 5.4vw, 64px); line-height: 1.12; margin: 0 0 36px; font-weight: 800; letter-spacing: -.01em; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-note { margin-top: 22px; color: #a9b3c1; font-size: 14px; }
.hero-art { position: relative; aspect-ratio: 1 / 1; max-width: 520px; justify-self: center; width: 100%; }

/* ---------- Press strip ---------- */
.press { background: var(--ink-2); color: #9aa5b4; }
.press .container { display: flex; align-items: center; gap: 40px; padding-top: 22px; padding-bottom: 22px; flex-wrap: wrap; justify-content: center; }
.press strong { color: #fff; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; }
.press span { font-weight: 700; font-size: 15px; letter-spacing: .04em; }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section-alt { background: var(--paper-2); }
.section-dark { background: var(--ink); color: #fff; }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 56px; }
.section-head h2 { font-size: clamp(30px, 3.6vw, 44px); line-height: 1.15; margin: 0 0 14px; font-weight: 800; }
.section-head p { color: var(--muted); font-size: 18px; margin: 0; }
.section-dark .section-head p { color: #a9b3c1; }
.kicker { display: inline-block; color: var(--brand-dark); font-weight: 700; text-transform: uppercase; letter-spacing: .12em; font-size: 13px; margin-bottom: 10px; }
.section-dark .kicker { color: var(--accent); }

/* Product cards */
.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.product { background: #fff; border: 1px solid #e3e7ec; border-radius: var(--radius); padding: 32px; display: flex; flex-direction: column; transition: box-shadow .2s, transform .2s; }
.product:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.product .icon { width: 56px; height: 56px; border-radius: 12px; background: var(--brand-soft); display: grid; place-items: center; margin-bottom: 20px; color: var(--brand-dark); }
.product h3 { margin: 0 0 8px; font-size: 22px; }
.product p { color: var(--muted); margin: 0 0 16px; }
.product ul { margin: 0 0 22px; padding: 0; list-style: none; }
.product li { padding: 6px 0 6px 28px; position: relative; font-size: 15px; }
.product li::before { content: ""; position: absolute; left: 0; top: 11px; width: 16px; height: 16px; border-radius: 50%; background: var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat; }
.product .disclaimer { font-size: 12px; color: #8a94a2; margin-top: auto; margin-bottom: 14px; }
.center { text-align: center; }
.mt-40 { margin-top: 40px; }

/* Split feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split h2 { font-size: clamp(30px, 3.6vw, 44px); line-height: 1.15; margin: 0 0 18px; }
.split p { color: var(--muted); font-size: 17px; }
.section-dark .split p { color: #b8c1cd; }
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.stat { background: var(--ink-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.stat b { display: block; font-size: 34px; color: var(--accent); line-height: 1.1; }
.stat span { color: #b8c1cd; font-size: 15px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.step { background: #fff; border-radius: var(--radius); padding: 34px; border-top: 4px solid var(--brand); box-shadow: 0 2px 10px rgba(0,0,0,.04); display: flex; flex-direction: column; }
.step .num { font-size: 14px; font-weight: 700; color: var(--brand-dark); text-transform: uppercase; letter-spacing: .1em; }
.step h3 { margin: 8px 0 10px; font-size: 22px; }
.step p { color: var(--muted); margin: 0 0 22px; flex: 1; }
.step .btn { align-self: flex-start; }

/* Compare table */
.compare-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid #e3e7ec; background: #fff; }
.compare { width: 100%; border-collapse: collapse; min-width: 680px; }
.compare th, .compare td { padding: 16px 20px; text-align: left; border-bottom: 1px solid #edf0f3; font-size: 15px; }
.compare thead th { background: var(--ink); color: #fff; font-weight: 600; }
.compare tbody th { font-weight: 600; color: var(--muted); width: 22%; }
.compare tr:last-child td, .compare tr:last-child th { border-bottom: 0; }

/* Knowledge cards */
.cards-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.k-card { background: #fff; border-radius: var(--radius); overflow: hidden; border: 1px solid #e3e7ec; display: flex; flex-direction: column; }
.k-card .thumb { height: 140px; background: linear-gradient(135deg, var(--ink-3), var(--ink)); position: relative; }
.k-card .thumb::after { content: ""; position: absolute; right: -20px; bottom: -20px; width: 120px; height: 120px; border-radius: 50%; border: 18px solid var(--brand); opacity: .55; }
.k-card .body { padding: 20px; display: flex; flex-direction: column; flex: 1; }
.k-card .tag { font-size: 12px; text-transform: uppercase; letter-spacing: .1em; color: var(--brand-dark); font-weight: 700; }
.k-card h3 { font-size: 17px; margin: 6px 0 14px; line-height: 1.35; flex: 1; }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { border-bottom: 1px solid #e3e7ec; padding: 18px 0; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 18px; list-style: none; display: flex; justify-content: space-between; gap: 20px; }
.faq summary::after { content: "+"; font-size: 24px; line-height: 1; color: var(--brand-dark); }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); margin: 12px 0 0; }

/* CTA band */
.cta-band { background: var(--brand); color: #fff; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 56px; padding-bottom: 56px; flex-wrap: wrap; }
.cta-band h2 { margin: 0; font-size: clamp(26px, 3vw, 36px); }
.cta-band .btn { background: var(--ink); color: #fff; }
.cta-band .btn:hover { background: #000; }

/* Page hero (interior) */
.page-hero { background: var(--ink); color: #fff; padding: 72px 0 80px; }
.page-hero .container { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; }
.page-hero h1 { font-size: clamp(34px, 4.6vw, 54px); line-height: 1.12; margin: 0 0 18px; }
.page-hero p { color: #b8c1cd; font-size: 18px; margin: 0 0 30px; max-width: 620px; }
.glance { background: var(--ink-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.glance h3 { margin: 0 0 14px; font-size: 14px; letter-spacing: .12em; text-transform: uppercase; color: var(--accent); }
.glance dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 12px 18px; }
.glance dt { color: #9aa5b4; font-size: 14px; }
.glance dd { margin: 0; font-weight: 600; text-align: right; }

.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature { padding: 28px; border-radius: var(--radius); background: #fff; border: 1px solid #e3e7ec; }
.feature h3 { margin: 14px 0 8px; font-size: 19px; }
.feature p { margin: 0; color: var(--muted); }
.feature .icon { width: 48px; height: 48px; border-radius: 10px; background: var(--brand-soft); color: var(--brand-dark); display: grid; place-items: center; }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.checklist li { padding-left: 32px; position: relative; font-size: 17px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 5px; width: 20px; height: 20px; border-radius: 50%; background: var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.panel { background: #fff; border: 1px solid #e3e7ec; border-radius: var(--radius); padding: 34px; }

/* ---------- Legal documents ---------- */
.legal-doc { max-width: 860px; margin: 0 auto; font-size: 16px; }
.legal-doc h2 { font-size: 22px; margin: 44px 0 12px; padding-top: 8px; border-top: 1px solid #e3e7ec; }
.legal-doc h2:first-of-type { border-top: 0; margin-top: 0; }
.legal-doc h3 { font-size: 17px; margin: 24px 0 8px; }
.legal-doc p, .legal-doc li { color: #3a434f; }
.legal-doc ul { padding-left: 22px; }
.legal-doc li { margin-bottom: 6px; }
.legal-doc .caps { text-transform: uppercase; font-size: 14px; }
.legal-doc table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 14px; }
.legal-doc th, .legal-doc td { border: 1px solid #e3e7ec; padding: 10px 12px; text-align: left; vertical-align: top; }
.legal-doc th { background: var(--paper-2); }
.legal-doc .table-wrap { overflow-x: auto; }
.toc { background: var(--paper-2); border-radius: var(--radius); padding: 22px 28px; margin-bottom: 40px; }
.toc ol { margin: 8px 0 0; padding-left: 22px; columns: 2; column-gap: 32px; }
.toc a { color: var(--brand-dark); text-decoration: none; }
.toc a:hover { text-decoration: underline; }
.ph { background: #fff4c2; padding: 0 4px; border-radius: 3px; font-weight: 600; color: #7a5b00; }
@media (max-width: 640px) { .toc ol { columns: 1; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #b8c1cd; padding: 64px 0 32px; font-size: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; }
.site-footer h4 { color: #fff; margin: 0 0 14px; font-size: 15px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: #fff; }
.newsletter { display: flex; gap: 8px; margin-top: 12px; }
.newsletter input { flex: 1; min-width: 0; padding: 11px 12px; border-radius: 6px; border: 1px solid var(--line); background: var(--ink-2); color: #fff; font-family: inherit; }
.legal { border-top: 1px solid var(--line); margin-top: 48px; padding-top: 24px; font-size: 12px; color: #8a94a2; }
.legal p { margin: 0 0 8px; }

/* ---------- Application ---------- */
.apply-page { background: var(--paper-2); min-height: calc(100vh - 114px); padding: 48px 0 96px; }
.stages { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; max-width: 860px; margin: 0 auto 34px; }
.stage { text-align: center; font-size: 14px; font-weight: 600; color: #8a94a2; }
.stage .bar { height: 6px; border-radius: 6px; background: #dde2e8; margin-bottom: 10px; overflow: hidden; }
.stage .bar i { display: block; height: 100%; width: 0; background: var(--brand); transition: width .35s ease; }
.stage.active { color: var(--ink); }
.stage.done { color: var(--brand-dark); }
.app-card { max-width: 640px; margin: 0 auto; background: #fff; border-radius: 18px; box-shadow: var(--shadow); padding: 48px 48px 40px; }
.app-step { display: none; animation: fadeUp .3s ease; }
.app-step.active { display: block; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.app-step h2 { font-size: 28px; line-height: 1.25; margin: 0 0 8px; }
.app-step .help { color: var(--muted); margin: 0 0 26px; }
.field { margin-bottom: 18px; }
.field label, .field .label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=url], .field select {
  width: 100%; padding: 14px 16px; border: 1.5px solid #cfd6de; border-radius: 8px; font-size: 16px; font-family: inherit; background: #fff; color: var(--text); transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(18,183,106,.18); }
.field.invalid input, .field.invalid select, .field.invalid .chip-grid { border-color: #d92d20; }
.field .err { display: none; color: #d92d20; font-size: 13px; margin-top: 6px; }
.field.invalid .err { display: block; }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.row-3 { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 14px; }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: 16px; top: 50%; transform: translateY(-50%); font-size: 22px; font-weight: 600; color: var(--muted); }
.money input { padding-left: 36px !important; font-size: 24px !important; font-weight: 600; }
.chip-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; border-radius: 10px; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span { display: flex; align-items: center; gap: 10px; padding: 14px 16px; border: 1.5px solid #cfd6de; border-radius: 8px; font-weight: 500; font-size: 15px; cursor: pointer; transition: all .15s; height: 100%; }
.chip input:checked + span { border-color: var(--brand); background: var(--brand-soft); color: var(--ink); font-weight: 600; }
.chip input:focus-visible + span { box-shadow: 0 0 0 3px rgba(18,183,106,.25); }
.chip-grid.one-col { grid-template-columns: 1fr; }
.chip span small { display: block; font-weight: 400; color: var(--muted); font-size: 13px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: var(--muted); }
.check input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--brand); flex-shrink: 0; }
.app-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 30px; gap: 12px; }
.app-nav .back { background: none; border: 0; color: var(--muted); font-weight: 600; cursor: pointer; font-size: 15px; font-family: inherit; }
.app-nav .back:hover { color: var(--ink); }
.app-nav .btn { min-width: 160px; }
.step-count { text-align: center; color: #8a94a2; font-size: 13px; margin-top: 22px; }
.secure { display: flex; gap: 8px; align-items: center; justify-content: center; color: #8a94a2; font-size: 13px; margin-top: 8px; }
.terms-box { max-height: 180px; overflow-y: auto; border: 1px solid #e3e7ec; border-radius: 8px; padding: 14px; font-size: 13px; color: var(--muted); margin-bottom: 16px; background: var(--paper-2); }
.success { text-align: center; }
.success .tick { width: 72px; height: 72px; border-radius: 50%; background: var(--brand-soft); color: var(--brand); display: grid; place-items: center; margin: 0 auto 20px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .products, .steps, .features { grid-template-columns: 1fr 1fr; }
  .cards-4 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 880px) {
  .nav { display: none; position: absolute; top: 76px; left: 0; right: 0; background: var(--ink); flex-direction: column; align-items: stretch; gap: 0; padding: 12px 24px 24px; border-top: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav > a, .nav .dd > button { padding: 12px 0; text-align: left; }
  .dd-menu { position: static; display: block; box-shadow: none; background: var(--ink-2); margin-bottom: 8px; }
  .dd-menu a { color: #fff; }
  .dd-menu a span { color: #9aa5b4; }
  .dd-menu a:hover { background: var(--ink-3); }
  .nav .btn { margin-top: 10px; }
  .nav-toggle { display: block; }
  .hero .container, .split, .page-hero .container { grid-template-columns: 1fr; }
  .hero .container { padding-top: 48px; padding-bottom: 64px; }
  .hero-art { max-width: 380px; }
  .section { padding: 72px 0; }
}
@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .products, .steps, .features, .cards-4, .footer-grid, .stat-grid { grid-template-columns: 1fr; }
  .topbar .social { display: none; }
  .topbar .container { justify-content: flex-end; }
  .app-card { padding: 32px 20px 28px; border-radius: 14px; }
  .stages { font-size: 12px; gap: 6px; }
  .stage { font-size: 11px; }
  .row-2, .row-3, .chip-grid { grid-template-columns: 1fr; }
  .app-step h2 { font-size: 23px; }
  .app-nav .btn { min-width: 0; flex: 1; }
  .cta-band .container { flex-direction: column; align-items: flex-start; }
}