:root{
  --primary:#15803d;
  --primary-dark:#166534;
  --secondary:#0369a1;
  --light:#f0f9ff;
  --soft:#f8fafc;
  --accent:#fde047;
  --text:#1e293b;
  --muted:#475569;
  --border:#dbeafe;
  --white:#ffffff;
  --shadow:0 10px 30px rgba(15, 23, 42, 0.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter','Segoe UI',Tahoma,sans-serif;color:var(--text);background:var(--white);line-height:1.65}
a{color:inherit}
img{max-width:100%;display:block}
.container{max-width:1180px;margin:auto;padding:0 20px}
.section{padding:64px 0}
.section-sm{padding:42px 0}
.section-title{font-size:clamp(1.7rem,3vw,2.4rem);margin:0 0 14px;color:var(--primary-dark);line-height:1.2}
.section-intro{max-width:860px;color:var(--muted);margin:0 auto 18px}
.text-center{text-align:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#ecfdf5;border:1px solid #bbf7d0;color:var(--primary-dark);padding:8px 14px;border-radius:999px;font-weight:700;font-size:.92rem}
.btn,.btn-outline,.btn-light{display:inline-flex;align-items:center;justify-content:center;gap:10px;text-decoration:none;border:none;border-radius:14px;padding:14px 22px;font-weight:800;cursor:pointer;transition:.25s ease;box-shadow:none}
.btn{background:var(--primary);color:#fff}
.btn:hover,.btn-outline:hover,.btn-light:hover{transform:translateY(-2px)}
.btn-outline{background:#fff;color:var(--primary-dark);border:1px solid #bbf7d0}
.btn-light{background:var(--accent);color:#111827}
header{background:#fff;border-bottom:4px solid var(--primary)}
.header-inner{display:flex;align-items:center;justify-content:flex-start;padding:18px 20px}
.logo-area{display:flex;align-items:center;gap:14px;text-align:left;justify-content:flex-start}
.logo-area img{width:490px;height:125px; ;flex:0 0 auto}
.logo-area h2{margin:0;font-size:1.55rem;color:var(--primary-dark)}
.logo-area p{margin:2px 0 0;color:var(--secondary);font-weight:700}
.nav-bar{position:sticky;top:0;z-index:50;background:rgba(186,230,253,.96);backdrop-filter:blur(8px);border-bottom:1px solid #bfdbfe}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 20px}
nav#navMenu{display:flex;flex-wrap:wrap;justify-content:center;gap:8px}
nav#navMenu a{padding:10px 14px;border-radius:10px;text-decoration:none;font-weight:700;color:var(--primary-dark)}
nav#navMenu a:hover, nav#navMenu a.active{background:#fff;color:var(--primary-dark)}
.menu-toggle{display:none;background:#fff;border:1px solid #bfdbfe;padding:10px 14px;border-radius:10px;font-weight:700}
.hero{position:relative;background:linear-gradient(135deg,#f0fdf4 0%,#eff6ff 60%,#ffffff 100%);padding:78px 0 58px;overflow:hidden}
.hero:before,.hero:after{content:'';position:absolute;border-radius:999px;filter:blur(16px);opacity:.4}
.hero:before{width:260px;height:260px;background:#bbf7d0;top:-80px;right:-70px}
.hero:after{width:220px;height:220px;background:#bfdbfe;left:-60px;bottom:-90px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:center;position:relative;z-index:1}
.hero h1,.hero h2{font-size:clamp(2rem,4vw,3.5rem);line-height:1.08;margin:14px 0;color:var(--primary-dark)}
.hero p{font-size:1.05rem;color:var(--muted);max-width:760px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.hero-card{background:rgba(255,255,255,.92);border:1px solid #dcfce7;border-radius:24px;padding:24px;box-shadow:var(--shadow)}
.mini-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px}
.stat{background:#fff;border:1px solid var(--border);padding:18px;border-radius:18px;text-align:center}
.stat h3{margin:0;font-size:1.6rem;color:var(--primary-dark)}
.stat p{margin:6px 0 0;font-size:.92rem;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px}
.card{background:#fff;border:1px solid #e2e8f0;border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.card h3,.card h2{margin-top:0;color:var(--primary-dark)}
.card p{color:var(--muted)}
.card ul{margin:12px 0 0;padding-left:20px}
.card li{margin:7px 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.info-strip{background:linear-gradient(90deg,#166534,#0369a1);color:#fff;padding:18px 0}
.info-strip .container{display:flex;flex-wrap:wrap;justify-content:center;gap:18px;font-weight:700}
.highlight-box{background:#fffbeb;border:1px solid #fde68a;padding:20px;border-radius:18px}
.process{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;margin-top:22px}
.process-step{background:#fff;border:1px solid #e2e8f0;border-radius:18px;padding:18px;position:relative;box-shadow:var(--shadow)}
.process-step .num{display:inline-flex;width:34px;height:34px;border-radius:999px;align-items:center;justify-content:center;background:#dcfce7;color:var(--primary-dark);font-weight:800;margin-bottom:10px}
.checklist{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.checklist .card ul{padding-left:18px}
.notice{background:#eff6ff;border:1px solid #bfdbfe;padding:18px;border-radius:16px;color:#1e3a8a}
.cta-panel{background:linear-gradient(135deg,#166534,#0f766e);color:#fff;padding:32px;border-radius:24px;box-shadow:var(--shadow)}
.cta-panel h2,.cta-panel h3,.cta-panel p{color:#fff}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
input,select,textarea{width:100%;padding:14px 14px;border:1px solid #cbd5e1;border-radius:12px;font:inherit;background:#fff}
textarea{min-height:120px;resize:vertical}
label{font-weight:700;display:block;margin-bottom:8px}
.table-wrap{overflow:auto;background:#fff;border:1px solid #e2e8f0;border-radius:18px;box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse}
th,td{padding:14px 16px;border-bottom:1px solid #e2e8f0;text-align:left}
th{background:#f0fdf4;color:var(--primary-dark)}
.faq details{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:16px 18px;margin-bottom:12px;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;font-weight:800;color:var(--primary-dark)}
.faq p{margin:12px 0 0;color:var(--muted)}
footer{margin-top:60px;background:#eff6ff;border-top:4px solid var(--primary);padding:52px 0 20px}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
footer h4{margin:0 0 14px;color:var(--primary-dark)}
footer p,footer a{color:var(--muted);text-decoration:none;display:block;margin:8px 0}
.footer-bottom{border-top:1px solid #bfdbfe;margin-top:22px;padding-top:18px;text-align:center}
.floating-actions{position:fixed;right:16px;bottom:16px;display:flex;flex-direction:column;gap:10px;z-index:80}
.float-btn{width:56px;height:56px;border-radius:999px;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;text-decoration:none;box-shadow:0 10px 20px rgba(0,0,0,.18);font-size:1.35rem}
.float-btn.call{background:#15803d}
.small-note{font-size:.92rem;color:var(--muted)}
.link-list{display:grid;gap:10px}
@media (max-width:860px){
  .hero-grid,.split,.form-grid{grid-template-columns:1fr}
  .nav-wrap{align-items:flex-start}
  .menu-toggle{display:inline-flex}
  nav#navMenu{display:none;flex-direction:column;align-items:stretch;width:100%;padding-top:8px}
  nav#navMenu.show{display:flex}
  nav#navMenu a{background:rgba(255,255,255,.7)}
}


/* Premium upgrade */
body{overflow-x:hidden}
a{transition:color .25s ease, transform .25s ease, opacity .25s ease}
.btn,.btn-outline,.btn-light,.card,.process-step,.stat,.float-btn,input,select,textarea{transition:all .28s ease}
.btn:hover,.btn-outline:hover,.btn-light:hover{box-shadow:0 16px 30px rgba(21,128,61,.18)}
.card,.process-step,.stat,.hero-card,.cta-panel,.table-wrap,.faq details{position:relative;overflow:hidden}
.card:hover,.process-step:hover,.stat:hover,.hero-card:hover{transform:translateY(-6px);box-shadow:0 18px 38px rgba(15,23,42,.12)}
.card:before,.hero-card:before,.cta-panel:before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,.24),transparent 45%,rgba(255,255,255,.08));pointer-events:none}
.nav-bar{box-shadow:0 10px 24px rgba(15,23,42,.06)}
nav#navMenu a{position:relative}
nav#navMenu a:after{content:'';position:absolute;left:14px;right:14px;bottom:6px;height:2px;background:var(--primary);transform:scaleX(0);transform-origin:center;transition:.25s ease}
nav#navMenu a:hover:after,nav#navMenu a.active:after{transform:scaleX(1)}
.section-dark{background:linear-gradient(180deg,#f8fafc,#eefbf3)}
.icon-chip{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:16px;background:#ecfdf5;color:var(--primary-dark);font-size:1.2rem;margin-bottom:12px;box-shadow:0 10px 20px rgba(21,128,61,.08)}
.service-form-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch}
.service-points{display:grid;gap:14px}
.service-point{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid #e2e8f0;padding:16px;border-radius:18px;box-shadow:var(--shadow)}
.service-point i{width:38px;height:38px;display:inline-flex;align-items:center;justify-content:center;border-radius:12px;background:#ecfdf5;color:var(--primary-dark);flex:0 0 auto}
.lead-form-card{background:linear-gradient(180deg,#ffffff,#f8fafc);border:1px solid #dbeafe;border-radius:24px;padding:24px;box-shadow:var(--shadow)}
.lead-form-card h3{margin-top:0;color:var(--primary-dark)}
.trust-ribbon{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:18px}
.ribbon-item{background:#fff;border:1px solid #dcfce7;border-radius:18px;padding:16px;text-align:center;font-weight:700;color:var(--primary-dark)}
.page-hero-bullets{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:20px}
.page-hero-bullets div{background:rgba(255,255,255,.72);border:1px solid #dcfce7;padding:12px 14px;border-radius:16px;font-weight:600;color:var(--primary-dark)}
.sticky-mobile-cta{display:none}
.fade-in{opacity:0;transform:translateY(22px);transition:opacity .7s ease, transform .7s ease}
.fade-in.visible{opacity:1;transform:none}
.hero .badge{box-shadow:0 8px 16px rgba(21,128,61,.08)}
input:focus,select:focus,textarea:focus{outline:none;border-color:#15803d;box-shadow:0 0 0 4px rgba(21,128,61,.12)}
footer .small-note{line-height:1.6}
@media (max-width:860px){
  .service-form-wrap,.trust-ribbon,.page-hero-bullets{grid-template-columns:1fr}
  .hero{padding-top:64px}
  .container{padding:0 16px}
  .card,.hero-card,.cta-panel,.lead-form-card{border-radius:18px;padding:20px}
  .floating-actions{bottom:78px}
  .sticky-mobile-cta{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:95;gap:10px;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);padding:10px;border:1px solid #dbeafe;border-radius:18px;box-shadow:0 15px 30px rgba(15,23,42,.12)}
  .sticky-mobile-cta a{flex:1}
}


.compare-results{display:grid;gap:14px}
.compare-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.compare-card{background:#f8fafc;border:1px solid #dbeafe;border-radius:18px;padding:16px;display:grid;gap:6px;box-shadow:var(--shadow)}
.compare-card.highlight{background:linear-gradient(135deg,#ecfdf5,#eff6ff);border-color:#86efac}
.compare-card strong{font-size:1.3rem;color:var(--primary-dark)}
.compare-card small{color:var(--muted)}
.compare-label{font-weight:800;color:#0f172a}
.compare-summary{background:#fff;border:1px solid #e2e8f0;border-radius:18px;padding:16px}
.compare-summary p{margin:6px 0;color:var(--muted)}
.compare-chart-wrap{background:linear-gradient(180deg,#ffffff,#f8fafc);border:1px solid #dbeafe;border-radius:22px;padding:14px;box-shadow:var(--shadow)}
.compare-chart-wrap canvas{display:block;width:100%;height:320px}
@media (max-width:860px){.compare-grid{grid-template-columns:1fr}.compare-chart-wrap canvas{height:260px}}


.schedule-table { width: 100%; border-collapse: collapse; min-width: 720px; background:#fff; border-radius:18px; overflow:hidden; }
.schedule-table th, .schedule-table td { padding: 12px 14px; border-bottom: 1px solid #e5e7eb; text-align: left; font-size: 14px; }
.schedule-table th { background: #f0fdf4; color:#166534; font-weight:700; }
.loan-benefit-list { list-style:none; padding:0; margin:14px 0 0; display:grid; gap:10px; }
.loan-benefit-list li { display:flex; align-items:center; gap:10px; }
.loan-benefit-list i { color:#16a34a; }


/* Live chat widget */
.live-chat-window{position:fixed;right:16px;bottom:154px;width:min(360px,calc(100vw - 24px));background:#fff;border:1px solid #dbeafe;border-radius:22px;box-shadow:0 22px 50px rgba(15,23,42,.18);z-index:89;overflow:hidden;opacity:0;visibility:hidden;transform:translateY(16px) scale(.98);transition:all .26s ease}
.live-chat-window.open{opacity:1;visibility:visible;transform:translateY(0) scale(1)}
.live-chat-header{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;background:linear-gradient(135deg,#0f766e,#15803d);color:#fff}
.live-chat-header strong{display:block;font-size:1rem}
.live-chat-header span{display:block;font-size:.82rem;opacity:.9;margin-top:2px}
.live-chat-close{border:none;background:rgba(255,255,255,.15);color:#fff;width:34px;height:34px;border-radius:999px;font-size:1.1rem;cursor:pointer}
.live-chat-body{padding:16px}
.chat-message{background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:12px 14px;color:#0f172a;font-size:.95rem;line-height:1.55;margin-bottom:12px}
.chat-quick-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0}
.chat-quick-btn{border:none;background:#eff6ff;color:#0f172a;border-radius:14px;padding:11px 12px;font-weight:700;cursor:pointer;text-align:left}
.chat-quick-btn:hover{background:#dbeafe}
.chat-contact-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.chat-contact-links a{flex:1 1 140px;text-align:center;text-decoration:none}
.chat-mini-note{font-size:.8rem;color:#64748b;margin-top:10px}
.float-btn.chat-trigger{background:#0f766e;order:-1}
body.chat-open .floating-actions{z-index:90}
@media (max-width: 768px){
  .live-chat-window{right:12px;left:12px;bottom:144px;width:auto}
  .chat-quick-actions{grid-template-columns:1fr}
}


/* Premium Services page cards */
.service-card-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px}
.service-icon{margin-bottom:0;flex:0 0 auto}
.service-mini-badge{display:inline-flex;align-items:center;padding:7px 12px;border-radius:999px;background:#eff6ff;border:1px solid #bfdbfe;color:#1d4ed8;font-weight:700;font-size:.78rem}
.service-card-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.service-card-actions .btn,.service-card-actions .btn-outline{flex:1 1 160px;padding:12px 14px}
.service-card-actions .btn-outline{background:#f8fafc}
#serviceLeadForm{scroll-margin-top:120px}
.service-highlight-strip{margin-top:18px}
@media (max-width:860px){
  .service-card-top{align-items:flex-start;flex-direction:column}
  .service-card-actions{flex-direction:column}
}

@media (max-width:860px){.logo-area img{width:72px}}