:root{
  --ink:#16233B;
  --ink-soft:#3C4A63;
  --paper:#FFFFFF;
  --paper-raised:#FAFAF7;
  --amber:#E3A23C;
  --amber-deep:#C9821F;
  --sage:#6E8B74;
  --sage-soft:#E4EAE2;
  --line:#DBD8CC;
  --radius:14px;
  --shadow:0 12px 30px -18px rgba(22,35,59,0.35);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:'IBM Plex Sans', sans-serif;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{
  font-family:'Fraunces', serif;
  font-weight:500;
  line-height:1.08;
  margin:0 0 0.5em;
  letter-spacing:-0.01em;
}
p{margin:0 0 1em;}
a{color:inherit;}
.wrap{max-width:1120px; margin:0 auto; padding:0 24px;}
.eyebrow{
  font-family:'IBM Plex Mono', monospace;
  font-size:0.72rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--amber-deep);
  font-weight:600;
  margin-bottom:0.9em;
  display:inline-block;
}
button, .btn{
  font-family:'IBM Plex Sans', sans-serif;
  font-weight:600;
  border:none;
  border-radius:999px;
  cursor:pointer;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-primary{
  background:var(--ink);
  color:var(--paper);
  padding:14px 28px;
  font-size:0.95rem;
}
.btn-primary:hover{background:var(--amber-deep); transform:translateY(-1px);}
.btn-ghost{
  background:transparent;
  color:var(--ink);
  padding:10px 18px;
  border:1.5px solid var(--line);
}
.btn-ghost:hover{border-color:var(--ink);}

/* Header */
header{
  position:sticky; top:0; z-index:50;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:18px 24px;
}
.logo{
  font-family:'Fraunces', serif;
  font-size:1.35rem;
  font-weight:600;
  display:flex; align-items:center; gap:8px;
  text-decoration:none;
}
.logo .dot{width:9px;height:9px;border-radius:50%;background:var(--amber);display:inline-block;}
.nav-links{display:flex; gap:28px; font-size:0.92rem; font-weight:500;}
.nav-links a{text-decoration:none; opacity:0.8;}
.nav-links a:hover, .nav-links a.active{opacity:1;}
.nav-right{display:flex; align-items:center; gap:18px;}
.nav-phone{font-family:'IBM Plex Mono', monospace; font-size:0.85rem; opacity:0.75; display:none;}
@media(min-width:760px){.nav-phone{display:inline;}}

/* Hero */
.hero{padding:76px 0 40px; overflow:hidden;}
.hero-grid{display:grid; grid-template-columns:1fr; gap:40px; align-items:center;}
@media(min-width:900px){.hero-grid{grid-template-columns:1.05fr 0.95fr;}}
.hero h1{font-size:clamp(2.1rem, 4.6vw, 3.4rem); max-width:12ch;}
.hero .sub{font-size:1.08rem; color:var(--ink-soft); max-width:46ch; margin-bottom:1.7em;}
.hero-ctas{display:flex; gap:14px; flex-wrap:wrap; margin-bottom:1.6em;}
.hero-notes{display:flex; gap:22px; flex-wrap:wrap; font-size:0.82rem; color:var(--ink-soft); font-family:'IBM Plex Mono', monospace;}
.hero-notes span{display:flex; align-items:center; gap:7px;}
.hero-notes .pip{width:6px;height:6px;border-radius:50%;background:var(--sage);}

.avatar-stack{display:flex; align-items:center; gap:12px; margin-bottom:1.6em;}
.avatar-stack .avatars{display:flex;}
.avatar-stack img{
  width:40px; height:40px; border-radius:50%; object-fit:cover;
  border:2.5px solid var(--paper); margin-left:-12px;
}
.avatar-stack img:first-child{margin-left:0;}
.avatar-stack .caption{font-size:0.82rem; color:var(--ink-soft);}
.avatar-stack .caption strong{color:var(--ink);}

/* Voices / photo testimonial section */
.voices-grid{display:grid; gap:22px; grid-template-columns:1fr;}
@media(min-width:800px){.voices-grid{grid-template-columns:repeat(3,1fr);}}
.voice-card{
  background:var(--paper-raised); border:1px solid var(--line); border-radius:var(--radius);
  overflow:hidden;
}
.voice-card img{
  width:100%; height:200px; object-fit:cover; display:block;
}
.voice-body{padding:20px 22px 24px;}
.voice-body p{font-size:1.05rem; color:var(--ink); margin-bottom:14px; font-family:'Fraunces', serif; font-style:italic;}
.voice-name{font-size:0.8rem; color:var(--ink-soft); font-family:'IBM Plex Mono', monospace;}

/* Signature: payday bridge strip */
.bridge-card{
  background:var(--paper-raised);
  border-radius:20px;
  padding:0 0 26px;
  box-shadow:var(--shadow);
  border:1px solid var(--line);
  overflow:hidden;
}
.bridge-photo{
  width:100%; height:170px; object-fit:cover; display:block;
}
.bridge-card .bridge-inner{padding:24px 26px 2px;}
.bridge-card h3{font-size:1rem; font-family:'IBM Plex Sans',sans-serif; font-weight:600; margin-bottom:2px;}
.bridge-sub{font-size:0.82rem; color:var(--ink-soft); margin-bottom:22px;}
.bridge-strip{position:relative; padding:10px 0 6px;}
.bridge-line{
  position:absolute; left:0; right:0; top:19px; height:2px; background:var(--line); z-index:0;
}
.bridge-fill{
  position:absolute; left:0; top:19px; height:2px; background:var(--amber);
  width:0%; z-index:1; transition:width 1.4s cubic-bezier(.2,.8,.2,1);
}
.bridge-days{position:relative; z-index:2; display:flex; justify-content:space-between;}
.day{display:flex; flex-direction:column; align-items:center; gap:8px; width:22px;}
.day .node{width:12px; height:12px; border-radius:50%; background:var(--paper-raised); border:2px solid var(--line);}
.day.today .node{border-color:var(--ink); background:var(--ink);}
.day.payday .node{border-color:var(--amber-deep); background:var(--amber); width:16px; height:16px;}
.day-label{font-family:'IBM Plex Mono', monospace; font-size:0.62rem; color:var(--ink-soft); white-space:nowrap;}
.bridge-callout{
  margin-top:20px; padding-top:18px; border-top:1px dashed var(--line);
  display:flex; align-items:center; justify-content:space-between; gap:10px; flex-wrap:wrap;
}
.bridge-callout .amt{font-family:'Fraunces', serif; font-size:1.6rem; font-weight:500;}
.bridge-callout .amt small{font-family:'IBM Plex Sans'; font-size:0.7rem; color:var(--ink-soft); display:block; font-weight:500;}
@media (prefers-reduced-motion: reduce){ .bridge-fill{transition:none;} }

/* Sections generic */
section{padding:64px 0;}
.section-head{max-width:640px; margin-bottom:44px;}
.section-head h2{font-size:clamp(1.6rem,3vw,2.2rem);}
.section-head p{color:var(--ink-soft); font-size:1.02rem;}

/* Interior page header (non-home pages) */
.page-hero{padding:56px 0 12px;}
.page-hero .eyebrow{margin-bottom:0.7em;}
.page-hero h1{font-size:clamp(1.9rem,4vw,2.8rem); max-width:20ch;}
.page-hero p{color:var(--ink-soft); font-size:1.05rem; max-width:56ch;}

/* How it works */
.steps{display:grid; gap:22px; grid-template-columns:1fr;}
@media(min-width:800px){.steps{grid-template-columns:repeat(3,1fr);}}
.step{
  background:var(--paper-raised); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 24px; position:relative;
}
.step .num{
  font-family:'IBM Plex Mono', monospace; font-weight:600; color:var(--amber-deep);
  font-size:0.85rem; margin-bottom:14px; display:block;
}
.step h3{font-size:1.08rem; margin-bottom:6px;}
.step p{font-size:0.92rem; color:var(--ink-soft); margin-bottom:0;}
.step ul{margin:10px 0 0; padding-left:18px; font-size:0.88rem; color:var(--ink-soft);}
.step li{margin-bottom:4px;}

/* Why grid */
.why-band{background:var(--ink); color:var(--paper);}
.why-band .section-head p{color:#B9C2D6;}
.why-grid{display:grid; gap:1px; background:rgba(255,255,255,0.12); border-radius:var(--radius); overflow:hidden;}
@media(min-width:760px){.why-grid{grid-template-columns:repeat(3,1fr);}}
.why-item{background:#1D2C48; padding:26px 24px;}
.why-item h3{font-size:1rem; color:var(--paper); margin-bottom:6px; font-family:'IBM Plex Sans'; font-weight:600;}
.why-item p{font-size:0.9rem; color:#AEB8CE; margin-bottom:0;}

/* Apply form */
.apply{background:var(--paper-raised); border:1px solid var(--line); border-radius:20px; box-shadow:var(--shadow); padding:38px 30px;}
@media(min-width:760px){.apply{padding:46px 52px;}}
.apply-top{display:flex; justify-content:space-between; align-items:flex-start; gap:20px; flex-wrap:wrap; margin-bottom:30px;}
.apply-top h2{margin-bottom:6px; font-size:1.7rem;}
.apply-top p{color:var(--ink-soft); max-width:44ch; margin-bottom:0;}
.amount-readout{font-family:'IBM Plex Mono', monospace; text-align:right;}
.amount-readout .val{font-family:'Fraunces', serif; font-size:2rem; color:var(--amber-deep); display:block;}
.amount-readout .lbl{font-size:0.7rem; color:var(--ink-soft); text-transform:uppercase; letter-spacing:0.08em;}
.field-grid{display:grid; gap:18px; grid-template-columns:1fr;}
@media(min-width:640px){.field-grid{grid-template-columns:1fr 1fr;}}
.field{display:flex; flex-direction:column; gap:6px;}
.field.full{grid-column:1/-1;}
.field label{font-size:0.82rem; font-weight:600; color:var(--ink);}
.field input, .field select{
  font-family:'IBM Plex Sans', sans-serif;
  padding:12px 14px; border-radius:10px; border:1.5px solid var(--line);
  background:var(--paper); font-size:0.95rem; color:var(--ink);
}
.field input:focus, .field select:focus{outline:2px solid var(--amber); outline-offset:1px; border-color:var(--amber);}
input[type=range]{accent-color:var(--amber-deep); padding:0;}
.consent{display:flex; gap:10px; align-items:flex-start; font-size:0.82rem; color:var(--ink-soft); margin:22px 0 24px;}
.consent input{margin-top:3px;}
.apply-submit{display:flex; align-items:center; gap:16px; flex-wrap:wrap;}
.apply-fineprint{font-size:0.76rem; color:var(--ink-soft); margin-top:22px; padding-top:18px; border-top:1px solid var(--line);}
.form-status{font-size:0.88rem; font-weight:600; padding-top:6px;}
.form-status.success{color:var(--sage);}
.form-status.error{color:#B4432F;}
.hidden{display:none;}

/* FAQ */
.faq-list{display:grid; gap:12px; max-width:760px;}
details{background:var(--paper-raised); border:1px solid var(--line); border-radius:12px; padding:16px 20px;}
summary{cursor:pointer; font-weight:600; font-size:0.98rem; list-style:none; display:flex; justify-content:space-between; align-items:center;}
summary::-webkit-details-marker{display:none;}
summary::after{content:'+'; font-family:'IBM Plex Mono'; color:var(--amber-deep); font-size:1.2rem;}
details[open] summary::after{content:'–';}
details p{margin-top:12px; color:var(--ink-soft); font-size:0.92rem;}

/* Legal pages (Privacy / Terms) */
.legal{max-width:760px;}
.legal h2{font-size:1.3rem; margin-top:1.6em;}
.legal h2:first-child{margin-top:0;}
.legal p, .legal li{color:var(--ink-soft); font-size:0.96rem;}
.legal .updated{font-family:'IBM Plex Mono', monospace; font-size:0.78rem; color:var(--ink-soft); margin-bottom:2em; display:block;}

footer{background:#101A2E; color:#93A0BC; padding:48px 0 30px; font-size:0.82rem;}
.footer-grid{display:grid; gap:32px; grid-template-columns:1fr;}
@media(min-width:760px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr;}}
footer h4{color:#E7EAF2; font-family:'IBM Plex Sans'; font-size:0.85rem; margin-bottom:12px;}
footer ul{list-style:none; padding:0; margin:0; display:flex; flex-direction:column; gap:8px;}
footer a{text-decoration:none; color:#93A0BC;}
footer a:hover{color:#fff;}
.disclosure{border-top:1px solid rgba(255,255,255,0.1); margin-top:34px; padding-top:22px; line-height:1.7; color:#7C88A3;}
.disclosure p{margin-bottom:10px;}