:root{--gold:#b87908;--gold2:#d8a33a;--dark:#090909;--muted:#6c6c75;--line:#eadfcb;--cream:#fffaf1;--shadow:0 24px 70px rgba(19,12,1,.10);--radius:26px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--dark);background:#fff;overflow-x:hidden}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{width:min(1120px,calc(100% - 40px));margin:auto}.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:blur(22px);border-bottom:1px solid rgba(184,121,8,.12)}.nav{height:92px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:14px}.brand img{width:210px;height:70px;object-fit:contain;filter:drop-shadow(0 12px 18px rgba(0,0,0,.08))}.links{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:800;letter-spacing:.04em}.links a{position:relative}.links a:after{content:"";position:absolute;left:0;bottom:-12px;width:0;height:2px;background:linear-gradient(90deg,var(--gold),var(--gold2));transition:.25s}.links a:hover:after,.links a.active:after{width:100%}.dropdown{position:relative}.drop{display:none;position:absolute;top:26px;left:-18px;background:white;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:18px;padding:12px;width:235px}.drop a{display:block;padding:11px 12px;border-radius:12px;color:#171717}.drop a:hover{background:#fff6e2}.dropdown:hover .drop{display:block}.btn{display:inline-flex;align-items:center;justify-content:center;gap:13px;border-radius:8px;padding:15px 25px;font-weight:900;font-size:13px;letter-spacing:.02em;border:1px solid transparent;cursor:pointer;transition:.25s}.btn.gold{background:linear-gradient(135deg,#e3ad3a,#9a6103);color:#fff;box-shadow:0 18px 34px rgba(184,121,8,.28)}.btn.gold:hover{transform:translateY(-2px);box-shadow:0 22px 44px rgba(184,121,8,.34)}.btn.ghost{background:rgba(255,255,255,.78);border-color:#d59b32;color:#1c1c1c}.btn.ghost:hover{background:#fff8e9}.mobile{display:none;background:none;border:0;font-size:28px}.hero{position:relative;min-height:650px;padding:74px 0 30px;background:radial-gradient(circle at 76% 38%,#fff7e8 0,#fff 34%,#fff 100%);overflow:hidden}.hero:before,.soft-lines:before{content:"";position:absolute;inset:0;background:url('data:image/svg+xml;utf8,<svg width="1400" height="720" viewBox="0 0 1400 720" xmlns="http://www.w3.org/2000/svg"><g fill="none" stroke="%23d6a449" stroke-opacity=".23" stroke-width="1"><path d="M-120 500 C180 350 320 640 610 430 C820 280 1010 390 1520 140"/><path d="M-140 560 C180 410 340 670 630 480 C840 340 1040 420 1510 210"/><path d="M-100 420 C190 290 370 570 650 370 C850 230 1080 310 1490 110"/><path d="M-90 350 C220 250 410 470 680 300 C890 170 1080 250 1480 60"/></g></svg>') center/cover no-repeat;pointer-events:none}.spark{position:absolute;width:5px;height:5px;border-radius:50%;background:#d39a24;box-shadow:0 0 18px #d39a24;animation:float 7s ease-in-out infinite}.s1{left:13%;top:20%}.s2{right:12%;top:17%;animation-delay:1.2s}.s3{left:42%;top:11%;animation-delay:2.2s}.s4{right:31%;bottom:22%;animation-delay:3s}@keyframes float{50%{transform:translateY(-18px) scale(1.45);opacity:.35}}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:30px}.eyebrow{color:var(--gold);font-weight:900;font-size:13px;letter-spacing:.18em;text-transform:uppercase}.hero h1{font-size:58px;line-height:1.05;margin:18px 0 22px;letter-spacing:-.055em}.goldtext{background:linear-gradient(90deg,#db9d25,#8b5705);-webkit-background-clip:text;color:transparent}.lead{font-size:19px;line-height:1.7;color:#5f626b;max-width:570px}.actions{display:flex;gap:20px;align-items:center;margin:34px 0}.secure{display:flex;align-items:center;gap:12px;color:#6e6e77;font-size:13px}.lock{color:var(--gold);border:1px solid #e6bc69;border-radius:50%;width:28px;height:28px;display:grid;place-items:center}.orb{position:relative;margin:auto;width:min(520px,92vw);aspect-ratio:1;border-radius:50%;background:linear-gradient(145deg,#fff,#f5f5f5);box-shadow:inset -20px -25px 55px rgba(0,0,0,.08),0 35px 80px rgba(30,20,1,.14);display:grid;place-items:center;animation:orb 5.5s ease-in-out infinite}.orb:before{content:"";position:absolute;inset:-10px;border:1px solid rgba(184,121,8,.12);border-radius:50%}.orb img{width:78%;height:78%;object-fit:contain;filter:drop-shadow(0 22px 30px rgba(0,0,0,.17))}@keyframes orb{50%{transform:translateY(-12px)}}.stats{position:relative;z-index:4;margin-top:-18px}.stats-card{background:rgba(255,255,255,.92);border:1px solid #eee3d2;border-radius:14px;box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden}.stat{padding:28px 24px;display:flex;align-items:center;gap:18px;border-right:1px solid #eee3d2}.stat:last-child{border-right:0}.icon{width:62px;height:62px;border-radius:50%;border:1px solid #d7a13a;color:var(--gold);display:grid;place-items:center;font-size:27px}.stat strong{font-size:27px;display:block}.stat span{font-size:13px;color:#65666d}.partners{padding:54px 0 32px;text-align:center}.logo-row{display:flex;align-items:center;justify-content:space-between;gap:28px;filter:grayscale(.2);font-size:29px;color:#48505d;font-weight:800;opacity:.82;margin-top:25px}.section{padding:76px 0;position:relative}.center{text-align:center}.section h2{font-size:35px;margin:10px 0 15px;letter-spacing:-.035em}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:34px}.card{background:white;border:1px solid #eee5d7;border-radius:12px;padding:30px 24px;min-height:230px;text-align:center;box-shadow:0 14px 36px rgba(0,0,0,.05);transition:.25s;position:relative;overflow:hidden}.card:before{content:"";position:absolute;inset:0;background:linear-gradient(145deg,rgba(215,161,58,.14),transparent 42%);opacity:0;transition:.25s}.card:hover{transform:translateY(-7px);box-shadow:0 24px 50px rgba(22,14,0,.1);border-color:#dcb25f}.card:hover:before{opacity:1}.card .icon{margin:0 auto 19px}.card h3{margin:0 0 12px}.card p{color:#5d606a;line-height:1.55;font-size:14px}.learn{display:inline-flex;gap:12px;margin-top:17px;font-weight:900;color:var(--gold);font-size:13px;letter-spacing:.08em}.process{background:linear-gradient(180deg,#fff,#fffaf1)}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:42px;position:relative}.step{text-align:center;position:relative}.step .bigicon{margin:auto;width:82px;height:82px;border-radius:50%;border:1px solid #d7a13a;background:white;display:grid;place-items:center;font-size:35px;box-shadow:0 12px 30px rgba(0,0,0,.06)}.num{width:24px;height:24px;background:#b87908;color:#fff;border-radius:50%;display:grid;place-items:center;margin:-10px auto 14px;font-size:12px;font-weight:900}.step h4{margin:0 0 8px;font-size:13px;text-transform:uppercase}.step p{font-size:13px;line-height:1.5;color:#62636b}.band{background:#080808;color:#fff;padding:72px 0;position:relative;overflow:hidden}.band:before{content:"";position:absolute;inset:-100px;background:radial-gradient(circle at 20% 20%,rgba(216,163,58,.28),transparent 35%),radial-gradient(circle at 80% 60%,rgba(255,255,255,.1),transparent 24%)}.band .container{position:relative}.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.mini-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.mini{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:20px}.mini strong{font-size:28px;color:#f0c46f}.formbox{background:white;border:1px solid #eadfcb;border-radius:24px;box-shadow:var(--shadow);padding:28px}.field{display:flex;flex-direction:column;gap:8px;margin-bottom:15px}.field label{font-size:12px;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:#555}.field input,.field select,.field textarea{width:100%;border:1px solid #e4d7c2;border-radius:12px;padding:14px 15px;font:inherit;background:#fff}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.progress{height:8px;background:#f2e8d7;border-radius:99px;overflow:hidden;margin-bottom:18px}.bar{height:100%;width:25%;background:linear-gradient(90deg,#dca53d,#9d6204);transition:.25s}.form-step{display:none}.form-step.active{display:block}.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:18px}.footer{padding:48px 0;background:#060606;color:white}.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px}.footer img{width:180px}.footer p,.footer a{color:#bbb;line-height:1.8;font-size:14px}.footer h4{color:#fff}.page-hero{padding:82px 0;background:linear-gradient(135deg,#fff,#fff8e8);position:relative;overflow:hidden}.page-hero h1{font-size:50px;letter-spacing:-.05em;margin:10px 0}.content-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:35px}.panel{background:#fff;border:1px solid #eee2d1;border-radius:22px;padding:28px;box-shadow:0 16px 50px rgba(0,0,0,.06)}.list{display:grid;gap:14px;margin-top:22px}.check{display:flex;gap:12px;align-items:flex-start}.check b{color:var(--gold)}.resource-list{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.alert{display:none;margin-top:14px;padding:14px;border-radius:12px;background:#fff4d8;border:1px solid #d6a13b;color:#664200;font-weight:700}.alert.show{display:block}@media(max-width:900px){.links{display:none;position:absolute;left:20px;right:20px;top:92px;background:white;border:1px solid var(--line);border-radius:20px;padding:20px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.links.open{display:flex}.mobile{display:block}.hero-grid,.split,.content-grid{grid-template-columns:1fr}.hero h1{font-size:43px}.cards{grid-template-columns:repeat(2,1fr)}.stats-card{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr}.logo-row{flex-wrap:wrap;justify-content:center}.foot-grid,.resource-list{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.orb{width:360px}.nav{height:82px}.brand img{width:170px}.stat{border-right:0;border-bottom:1px solid #eee3d2}}@media(max-width:560px){.cards,.stats-card{grid-template-columns:1fr}.actions{flex-direction:column;align-items:stretch}.btn{width:100%}.hero{padding-top:42px}.hero h1{font-size:36px}.page-hero h1{font-size:36px}}

.legal-disclaimer{width:min(1120px,calc(100% - 40px));margin:28px auto 0;padding:18px 20px;border-top:1px solid rgba(255,255,255,.16);color:#bdbdbd;font-size:12px;line-height:1.65}.legal-disclaimer strong{color:#fff}.site-disclosure{background:#fff7e8;border-top:1px solid #eadfcb;border-bottom:1px solid #eadfcb;color:#5d4a24;font-size:12px;line-height:1.55;padding:12px 0}.site-disclosure strong{color:#8a5908}

.protection-section{background:linear-gradient(180deg,#fff,#fffaf2)}.protection-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.protection-grid .panel{border-left:3px solid var(--gold);box-shadow:0 18px 40px rgba(20,20,20,.06)}.protect-note{margin-top:22px;padding:18px 20px;border:1px solid #ead8b5;border-radius:18px;background:#fff7e8;color:#5d4a24;line-height:1.65}@media(max-width:800px){.protection-grid{grid-template-columns:1fr}}
.affiliate-strip{background:linear-gradient(135deg,#fffaf1,#fff)}.codebox{font-size:32px;font-weight:900;letter-spacing:.08em;color:#9a6103;background:#fff6e2;border:1px dashed #d8a33a;border-radius:16px;padding:18px;margin:8px 0 18px;text-align:center}.copyrow{display:flex;gap:10px}.copyrow input{flex:1;border:1px solid #e4d7c2;border-radius:12px;padding:14px;font:inherit}.dashboard .tinycards{grid-template-columns:repeat(2,1fr);margin-top:18px}.dashboard .tinycards .card{min-height:auto;padding:20px}.fineprint{font-size:12px;color:#6c6c75;line-height:1.6}.legal-disclaimer{max-width:1120px;margin:28px auto 0;color:#cfcfcf;font-size:12px;line-height:1.6;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;width:min(1120px,calc(100% - 40px))}

/* V8 navigation fix: no fragile hover dropdowns, affiliate always visible */
.links{gap:22px}.links>a{white-space:nowrap}.dropdown,.drop{display:none!important}.compact-programs .card{min-height:190px}.programs-page-quicklinks{padding-top:30px}
@media(max-width:900px){.links.open{display:flex}.links a{width:100%;padding:10px 6px}.links a:after{display:none}}


/* V9 Business Funding + slam dunk motion */
.slam-ticker{position:absolute;left:0;right:0;top:0;z-index:3;background:linear-gradient(90deg,#0b0b0b,#2b1a02,#0b0b0b);color:#fff;border-bottom:1px solid rgba(216,163,58,.45);overflow:hidden;white-space:nowrap;box-shadow:0 12px 30px rgba(0,0,0,.12)}
.slam-track{display:inline-flex;gap:42px;align-items:center;padding:12px 0;font-size:13px;font-weight:1000;letter-spacing:.14em;text-transform:uppercase;animation:slamMarquee 17s linear infinite;will-change:transform}.slam-track span{display:inline-flex;align-items:center}.slam-track span:first-child,.slam-track span:nth-child(6){color:#f2c76e;text-shadow:0 0 18px rgba(216,163,58,.65);animation:slamPop 1.7s ease-in-out infinite}.hero{padding-top:118px}.slam-headline{display:inline-block;background:linear-gradient(135deg,#111,#6b4104 45%,#d8a33a 65%,#111);-webkit-background-clip:text;color:transparent;filter:drop-shadow(0 16px 22px rgba(184,121,8,.18));animation:slamDrop 1.15s cubic-bezier(.2,1.35,.28,1) both}@keyframes slamMarquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}@keyframes slamPop{50%{transform:scale(1.08) rotate(-1deg)}}@keyframes slamDrop{0%{transform:translateY(-80px) scale(1.25) rotate(-3deg);opacity:0}65%{transform:translateY(9px) scale(.96) rotate(1deg);opacity:1}100%{transform:translateY(0) scale(1) rotate(0)}}.trusted-network{background:linear-gradient(180deg,#fffaf1,#fff)}.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}.bank-grid span{display:flex;align-items:center;justify-content:center;min-height:76px;background:#fff;border:1px solid #eadfcb;border-radius:18px;box-shadow:0 15px 36px rgba(28,18,2,.055);font-weight:900;color:#3b3f48;text-align:center;padding:12px}.trust-note{margin-top:24px;border:1px solid #ead8b5;background:#fff7e8;border-radius:18px;padding:18px 20px;color:#5d4a24;font-size:13px;line-height:1.65}.trust-note strong{color:#8a5908}@media(max-width:900px){.bank-grid{grid-template-columns:repeat(2,1fr)}.slam-track{font-size:12px}.hero{padding-top:110px}}@media(max-width:560px){.bank-grid{grid-template-columns:1fr}.slam-track{gap:28px}.slam-headline{font-size:34px}}


/* V10 cleanup: remove ticker, simplify nav, footer-only About Us */
.slam-ticker{display:none!important}
.hero{padding-top:74px!important}
.links{gap:18px!important;flex-wrap:nowrap;white-space:nowrap}
.links a{white-space:nowrap;font-size:12px}
.nav{gap:18px}
@media(min-width:901px){.links{flex:1;justify-content:center}.nav .btn.gold{padding:13px 18px;font-size:12px}.brand img{width:185px}}
@media(max-width:900px){.links{white-space:normal}.links a{font-size:13px}.hero{padding-top:42px!important}}

/* V13 Resources page cleanup */
.resource-hero{background:radial-gradient(circle at 72% 18%,#fff1cf 0,#fff8e8 28%,#fff 70%)}
.resource-lead{margin:0 auto;max-width:760px}.center-actions{justify-content:center}.muted-copy{max-width:760px;margin:0 auto;color:#63656d;line-height:1.7}.section-head{margin-bottom:32px}.resource-card-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.resource-card{background:#fff;border:1px solid #eee2d1;border-radius:22px;padding:24px;box-shadow:0 16px 42px rgba(20,14,2,.065);display:flex;flex-direction:column;min-height:360px;transition:.25s}.resource-card:hover{transform:translateY(-5px);border-color:#d8a33a;box-shadow:0 25px 60px rgba(20,14,2,.1)}.resource-icon{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,#fff6df,#fff);border:1px solid #ead8b5;font-size:28px;margin-bottom:16px}.resource-card h3{margin:0 0 10px;font-size:20px}.resource-card p{color:#5f626b;line-height:1.6;font-size:14px}.resource-card ul{padding-left:18px;margin:10px 0 0;color:#4e5159;line-height:1.7;font-size:13px}.resource-card .learn{margin-top:auto}.resource-soft{background:linear-gradient(180deg,#fffaf1,#fff)}.resource-two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:stretch}.feature-box{background:#fff;border:1px solid #eee2d1;border-radius:26px;padding:32px;box-shadow:0 18px 50px rgba(20,14,2,.07)}.feature-box h2{font-size:30px;margin:8px 0 14px}.feature-box p{color:#5f626b;line-height:1.7}.gold-box{background:linear-gradient(145deg,#fffaf1,#fff);border-color:#ead8b5}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:22px 0}.check-pill{background:#fff;border:1px solid #ead8b5;border-radius:14px;padding:14px 16px;font-weight:800;color:#2d2d31}.stacked-list{display:grid;gap:12px;margin-top:18px}.stacked-list div{border:1px solid #eee2d1;border-radius:16px;padding:16px;background:#fffaf3}.stacked-list strong{display:block;margin-bottom:5px}.stacked-list span{color:#666971;line-height:1.5;font-size:14px}.estimate-panel{border:1px solid #ead8b5;background:#fffaf1;border-radius:20px;padding:22px;margin:20px 0}.estimate-panel label{display:block;font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:#8a5908;margin-bottom:15px}.estimate-panel input{width:100%}.estimate-amount{font-size:42px;font-weight:900;letter-spacing:-.04em;margin-top:14px;color:#111}.faq-box details{border:1px solid #eee2d1;border-radius:16px;padding:16px 18px;margin:10px 0;background:#fff}.faq-box summary{font-weight:900;cursor:pointer}.faq-box details p{margin:12px 0 0;font-size:14px}.story-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.story-card{background:#fff;border:1px solid #eee2d1;border-radius:24px;padding:28px;box-shadow:0 16px 42px rgba(20,14,2,.06)}.story-card span{display:inline-flex;border:1px solid #d8a33a;color:#8a5908;border-radius:999px;padding:7px 12px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.story-card h3{font-size:22px;margin:18px 0 10px}.story-card p{color:#5f626b;line-height:1.7}.cta-box{border:1px solid #ead8b5;border-radius:30px;padding:48px 30px;background:linear-gradient(135deg,#fffaf1,#fff);box-shadow:0 20px 55px rgba(20,14,2,.075)}.cta-box h2{font-size:34px;margin:10px 0}.cta-box p{color:#5f626b;line-height:1.7}@media(max-width:1000px){.resource-card-grid{grid-template-columns:repeat(2,1fr)}.resource-two-col{grid-template-columns:1fr}}@media(max-width:640px){.resource-card-grid,.story-grid,.check-grid{grid-template-columns:1fr}.feature-box{padding:24px}.estimate-amount{font-size:34px}}

/* V14 premium Resources page redesign */
.resources-page{background:#fff}.resources-page .section{padding:86px 0}.resource-luxe-hero{position:relative;overflow:hidden;padding:88px 0 72px;background:radial-gradient(circle at 82% 20%,#fff0c8 0,#fff8e8 28%,#fff 66%)}.resource-luxe-hero:before{content:"";position:absolute;inset:0;background:url('data:image/svg+xml;utf8,<svg width="1400" height="700" viewBox="0 0 1400 700" xmlns="http://www.w3.org/2000/svg"><g fill="none" stroke="%23d8a33a" stroke-opacity=".18" stroke-width="1.2"><path d="M-80 485 C210 330 350 610 640 405 C870 242 1010 358 1480 105"/><path d="M-120 565 C180 410 350 650 665 470 C900 336 1110 410 1490 220"/></g></svg>') center/cover no-repeat;pointer-events:none}.resource-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr .92fr;gap:52px;align-items:center}.resource-hero-copy h1{font-size:58px;line-height:1.02;letter-spacing:-.06em;margin:16px 0 20px;max-width:680px}.resource-hero-copy .lead{font-size:20px;line-height:1.72;max-width:620px}.resource-hero-visual{border-radius:34px;padding:12px;background:rgba(255,255,255,.72);border:1px solid #ecd9b3;box-shadow:0 32px 80px rgba(28,18,2,.13)}.resource-hero-visual img{border-radius:26px;width:100%;height:auto}.resource-index-wrap{padding:24px 0!important;background:#fff;border-top:1px solid #f0e4d1;border-bottom:1px solid #f0e4d1}.resource-index{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.resource-index a{display:flex;align-items:center;gap:12px;border:1px solid #eadfcb;background:#fff;border-radius:18px;padding:18px 20px;font-weight:900;font-size:13px;letter-spacing:.03em;box-shadow:0 12px 30px rgba(20,14,2,.045)}.resource-index span{width:34px;height:34px;border-radius:999px;background:#111;color:#d8a33a;display:grid;place-items:center;font-size:12px}.split-head{display:grid;grid-template-columns:1fr .92fr;gap:28px;align-items:end;margin-bottom:34px}.split-head h2,.editorial-card h2,.checklist-copy h2,.faq-intro h2{font-size:42px;line-height:1.08;letter-spacing:-.045em;margin:8px 0 0}.luxe-card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.luxe-resource-card{position:relative;overflow:hidden;border:1px solid #eee2d1;background:#fff;border-radius:26px;padding:24px;min-height:292px;box-shadow:0 18px 50px rgba(20,14,2,.07);transition:.25s;display:flex;flex-direction:column}.luxe-resource-card:before{content:"";position:absolute;inset:0;background:linear-gradient(145deg,rgba(216,163,58,.12),transparent 48%);opacity:0;transition:.25s}.luxe-resource-card:hover{transform:translateY(-6px);border-color:#d8a33a;box-shadow:0 28px 70px rgba(20,14,2,.11)}.luxe-resource-card:hover:before{opacity:1}.card-top{position:relative;z-index:1;display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}.card-icon{width:54px;height:54px;border-radius:18px;display:grid;place-items:center;background:#fff7e8;border:1px solid #ead8b5;font-size:25px}.card-tag{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.12em;color:#8a5908;background:#fffaf1;border:1px solid #ead8b5;border-radius:999px;padding:7px 10px}.luxe-resource-card h3{position:relative;z-index:1;margin:0 0 12px;font-size:21px;letter-spacing:-.02em}.luxe-resource-card p{position:relative;z-index:1;color:#5f626b;line-height:1.68;font-size:14px;margin:0}.luxe-resource-card .learn{position:relative;z-index:1;margin-top:auto;padding-top:20px}.editorial-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:32px;align-items:center}.editorial-image{border-radius:34px;padding:12px;background:#fff;border:1px solid #ead8b5;box-shadow:0 26px 70px rgba(20,14,2,.1)}.editorial-image img{border-radius:26px}.editorial-card{background:#fff;border:1px solid #ead8b5;border-radius:34px;padding:42px;box-shadow:0 22px 60px rgba(20,14,2,.08)}.editorial-card p,.faq-intro p{color:#5f626b;line-height:1.75}.profile-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px}.profile-grid div{background:#fffaf3;border:1px solid #ead8b5;border-radius:18px;padding:18px}.profile-grid strong{display:block;margin-bottom:6px;letter-spacing:-.01em}.profile-grid span{display:block;color:#62656e;font-size:14px;line-height:1.55}.checklist-layout{display:grid;grid-template-columns:.78fr 1.22fr;gap:36px;align-items:center}.checklist-copy .muted-copy{margin:0 0 26px;max-width:420px}.checklist-card{background:#fff;border:1px solid #ead8b5;border-radius:34px;padding:14px;box-shadow:0 26px 70px rgba(20,14,2,.09)}.checklist-card img{border-radius:26px;margin-bottom:16px}.checklist-items{display:grid;grid-template-columns:1fr 1fr;gap:12px;padding:4px 6px 8px}.checklist-items div{background:#fffaf3;border:1px solid #ead8b5;border-radius:16px;padding:15px 16px;font-weight:800;color:#242429}.faq-layout{display:grid;grid-template-columns:.65fr 1.35fr;gap:38px;align-items:start}.faq-intro{position:sticky;top:120px}.faq-stack{display:grid;gap:14px}.faq-stack details{background:#fff;border:1px solid #ead8b5;border-radius:22px;padding:0;box-shadow:0 14px 36px rgba(20,14,2,.055);overflow:hidden}.faq-stack summary{cursor:pointer;list-style:none;padding:22px 24px;font-weight:900;font-size:17px}.faq-stack summary::-webkit-details-marker{display:none}.faq-stack details p{border-top:1px solid #f0e4d1;margin:0;padding:18px 24px;color:#5f626b;line-height:1.7}.usecase-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.usecase-card{background:#fff;border:1px solid #eee2d1;border-radius:28px;padding:30px;box-shadow:0 18px 50px rgba(20,14,2,.07)}.usecase-card span{display:inline-flex;border:1px solid #d8a33a;background:#fffaf1;color:#8a5908;border-radius:999px;padding:8px 13px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.usecase-card h3{font-size:23px;margin:18px 0 10px;letter-spacing:-.02em}.usecase-card p{color:#5f626b;line-height:1.72}.final-resource-cta{padding-top:54px!important}.final-resource-cta .cta-box{padding:58px 34px;border-radius:34px;background:radial-gradient(circle at 50% 0,#fff4d3,#fff 62%)}@media(max-width:1050px){.resource-hero-grid,.editorial-grid,.checklist-layout,.faq-layout,.split-head{grid-template-columns:1fr}.resource-hero-copy h1{font-size:46px}.luxe-card-grid{grid-template-columns:repeat(2,1fr)}.faq-intro{position:static}.resource-index{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.resources-page .section{padding:58px 0}.resource-luxe-hero{padding:58px 0}.resource-hero-copy h1{font-size:38px}.luxe-card-grid,.profile-grid,.checklist-items,.usecase-grid,.resource-index{grid-template-columns:1fr}.editorial-card{padding:28px}.split-head h2,.editorial-card h2,.checklist-copy h2,.faq-intro h2{font-size:32px}.resource-index a{padding:15px}}


/* V30 nav spacing fix: keeps Business Funding and Affiliate Program from stacking awkwardly */
.site-header, .topbar, header .container, .nav-wrap {
  overflow: visible;
}

/* V40 whole-site premium finance system */
:root{
  --vc-bg:#f7f4ee;
  --vc-surface:#ffffff;
  --vc-soft:#fbfaf6;
  --vc-ink:#17211f;
  --vc-muted:#606965;
  --vc-line:#ddd6c8;
  --vc-line-soft:#e7decd;
  --vc-teal:#173b3f;
  --vc-teal-dark:#17211f;
  --vc-gold:#b28a3c;
  --vc-gold-soft:#d2b574;
  --vc-shadow:0 22px 58px rgba(23,33,31,.09);
}
body.vc-page{background:var(--vc-bg);color:var(--vc-ink)}
.vc-shell{width:min(1180px,calc(100% - 36px));margin:0 auto;padding:34px 0 78px}
.vc-page-hero,.vc-card-section,.vc-box,.submitted-modern{
  background:var(--vc-surface);
  border:1px solid var(--vc-line);
  border-radius:18px;
  box-shadow:var(--vc-shadow);
}
.vc-page-hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.68fr);gap:24px;padding:24px;margin-bottom:22px}
.vc-hero-copy{background:var(--vc-soft);border:1px solid var(--vc-line-soft);border-radius:16px;padding:clamp(28px,5vw,54px)}
.vc-hero-copy h1,.legal-clean h1,.submitted-modern h1{margin:10px 0 18px;font-size:clamp(40px,5.6vw,68px);line-height:1;letter-spacing:-.045em}
.vc-hero-copy p:not(.eyebrow),.vc-box p,.submitted-modern p{max-width:700px;color:var(--vc-muted);font-size:17px;line-height:1.72}
.vc-hero-panel{background:linear-gradient(145deg,var(--vc-teal),var(--vc-teal-dark));color:#fff;border-radius:16px;padding:24px;display:flex;flex-direction:column;justify-content:space-between;gap:20px;min-height:320px}
.vc-hero-panel span{color:#d9ceb8;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.12em}
.vc-hero-panel strong{display:block;font-size:clamp(32px,4vw,50px);line-height:1;letter-spacing:-.04em}
.vc-hero-panel p{margin:0;color:#d9ceb8;line-height:1.65}
.vc-card-section{padding:clamp(22px,4vw,34px);margin-top:22px}
.vc-mini-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.vc-mini-card{background:var(--vc-soft);border:1px solid var(--vc-line-soft);border-radius:14px;padding:18px;min-height:160px}
.vc-mini-card span{display:inline-block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.12em;margin-bottom:13px}
.vc-mini-card strong{display:block;font-size:18px;letter-spacing:-.02em;margin-bottom:8px}
.vc-mini-card p{margin:0;color:var(--vc-muted);line-height:1.6;font-size:14px}
.vc-two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px;margin-top:22px}
.vc-box{padding:clamp(24px,4vw,36px)}
.vc-box h2,.legal-clean h2{margin:8px 0 16px;font-size:clamp(28px,4vw,44px);line-height:1.07;letter-spacing:-.04em}
.vc-box.dark{background:linear-gradient(145deg,var(--vc-teal),var(--vc-teal-dark));color:#fff}
.vc-box.dark .eyebrow{color:var(--vc-gold-soft)!important}
.vc-box.dark p{color:#d9ceb8}
.vc-check-list{display:grid;gap:12px;margin:22px 0 0;padding:0;list-style:none}
.vc-check-list li{background:var(--vc-soft);border:1px solid var(--vc-line-soft);border-radius:14px;padding:15px 16px;color:#26312f;font-weight:800}
.vc-box.dark .vc-check-list li{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15);color:#f3ebdc}
.industry-box-grid.pro{grid-template-columns:repeat(5,minmax(0,1fr))}
.formbox.compact{box-shadow:none;border-radius:16px;background:var(--vc-soft);border-color:var(--vc-line-soft)}
.legal-clean{padding:clamp(28px,5vw,54px)}
.legal-clean>p{max-width:860px;color:var(--vc-muted);line-height:1.75;font-size:17px}
.submitted-modern{padding:clamp(30px,6vw,64px);text-align:center}
.submitted-modern .checkmark{width:78px;height:78px;margin:0 auto 22px;border-radius:50%;display:grid;place-items:center;background:var(--vc-teal);color:#fff;font-size:38px;font-weight:950}
.submitted-modern p{margin-left:auto;margin-right:auto}
.center-actions{justify-content:center}
.topbar .btn.gold,.vc-page .btn.gold,.boxed-home .btn.gold,.application-page .btn.gold,.affiliate-page .btn.gold{
  background:var(--vc-teal)!important;
  color:#fff!important;
  box-shadow:0 16px 34px rgba(23,59,63,.18)!important;
}
.vc-page .btn.ghost,.boxed-home .btn.ghost{
  background:#fff!important;
  border-color:var(--vc-line)!important;
  color:var(--vc-ink)!important;
}
.vc-page .eyebrow,.boxed-home .eyebrow,.application-page .eyebrow,.affiliate-page .eyebrow{color:var(--vc-gold)!important}
@media(max-width:980px){
  .vc-page-hero,.vc-two-col{grid-template-columns:1fr}
  .vc-hero-panel{background:#fff;color:var(--vc-ink);border:1px solid var(--vc-line)}
  .vc-hero-panel span,.vc-hero-panel p{color:var(--vc-muted)}
  .vc-mini-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .industry-box-grid.pro{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:640px){
  .vc-shell{width:min(100% - 28px,1180px);padding-top:22px}
  .vc-page-hero{padding:14px}
  .vc-hero-copy,.vc-hero-panel,.vc-card-section,.vc-box,.submitted-modern{padding:22px}
  .vc-mini-grid,.industry-box-grid.pro{grid-template-columns:1fr}
  .vc-shell .btn{width:100%}
}
.nav, .links, header nav, .site-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  row-gap: 10px;
}
.nav a, .links a, header nav a, .site-nav a {
  white-space: nowrap;
}
@media (max-width: 860px) {
  .nav, .links, header nav, .site-nav {
    justify-content: center;
    gap: 10px;
  }
  .nav a, .links a, header nav a, .site-nav a {
    font-size: 13px;
    padding: 9px 10px;
  }
}


/* V31 Go Live nav and form reliability */
.nav, .links, header nav, .site-nav {
  display:flex;
  align-items:center;
  gap:12px;
  flex-wrap:wrap;
  row-gap:10px;
}
.nav a, .links a, header nav a, .site-nav a {
  white-space:nowrap;
}
@media(max-width:860px){
  .nav, .links, header nav, .site-nav { justify-content:center; gap:10px; }
  .nav a, .links a, header nav a, .site-nav a { font-size:13px; padding:9px 10px; }
}


/* V32 final navigation fix */
.site-header {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  gap: 28px !important;
  flex-wrap: nowrap !important;
}

.site-header .brand,
.brand {
  flex: 0 0 auto !important;
  white-space: nowrap !important;
}

.site-header nav,
.site-header .nav,
.nav,
.links,
.site-nav {
  display: flex !important;
  align-items: center !important;
  justify-content: flex-end !important;
  gap: 14px !important;
  flex-wrap: nowrap !important;
  min-width: 0 !important;
}

.site-header nav a,
.site-header .nav a,
.nav a,
.links a,
.site-nav a {
  white-space: nowrap !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  line-height: 1 !important;
}

@media (max-width: 980px) {
  .site-header {
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 14px !important;
  }

  .site-header nav,
  .site-header .nav,
  .nav,
  .links,
  .site-nav {
    justify-content: center !important;
    flex-wrap: wrap !important;
    row-gap: 10px !important;
  }
}

@media (max-width: 520px) {
  .site-header nav a,
  .site-header .nav a,
  .nav a,
  .links a,
  .site-nav a {
    font-size: 12px !important;
    padding: 9px 8px !important;
  }
}

/* V33 polish: cleaner header behavior, stronger mobile rhythm, and form/card refinements */
:root{
  --radius:18px;
  --shadow:0 22px 58px rgba(24,16,2,.09);
}

body{
  text-rendering:optimizeLegibility;
  -webkit-font-smoothing:antialiased;
}

.topbar{
  box-shadow:0 10px 30px rgba(24,16,2,.045);
}

.nav{
  height:86px;
  flex-wrap:nowrap !important;
}

.brand img{
  width:176px;
  height:60px;
}

.links{
  flex:1;
  justify-content:center !important;
  gap:16px !important;
}

.links a{
  font-size:11px;
  letter-spacing:.055em;
}

.nav>.btn.gold{
  flex:0 0 auto;
  padding:13px 17px;
  font-size:12px;
  white-space:nowrap;
}

.hero{
  min-height:610px;
}

.hero h1,
.page-hero h1,
.resource-hero-copy h1,
.apply-intro h1,
.affiliate-hero h1{
  text-wrap:balance;
}

.lead,
.card p,
.panel p,
.feature-box p,
.story-card p,
.usecase-card p{
  text-wrap:pretty;
}

.card,
.panel,
.formbox,
.apply-card,
.affiliate-form,
.affiliate-card,
.feature-box,
.luxe-resource-card,
.usecase-card,
.story-card{
  border-radius:16px;
}

.card{
  min-height:248px;
}

.card h3{
  line-height:1.18;
}

.btn:focus-visible,
.mobile:focus-visible,
input:focus,
select:focus,
textarea:focus{
  outline:3px solid rgba(216,163,58,.32);
  outline-offset:2px;
}

.field input,
.field select,
.field textarea,
.vayda-field input,
.vayda-field select,
.vayda-field textarea,
.affiliate-field input,
.affiliate-field select,
.affiliate-field textarea{
  transition:border-color .2s, box-shadow .2s;
}

.field input:focus,
.field select:focus,
.field textarea:focus,
.vayda-field input:focus,
.vayda-field select:focus,
.vayda-field textarea:focus,
.affiliate-field input:focus,
.affiliate-field select:focus,
.affiliate-field textarea:focus{
  border-color:#d8a33a;
  box-shadow:0 0 0 4px rgba(216,163,58,.12);
}

.footer{
  border-top:1px solid rgba(216,163,58,.2);
}

@media(min-width:901px){
  .mobile{
    display:none !important;
  }
}

@media(max-width:1020px){
  .nav{
    gap:12px;
  }

  .brand img{
    width:150px;
  }

  .links{
    gap:10px !important;
  }

  .links a{
    font-size:10px;
  }

  .nav>.btn.gold{
    padding:12px 13px;
  }
}

@media(max-width:900px){
  .nav{
    height:78px;
    justify-content:space-between !important;
  }

  .links{
    top:78px;
    left:16px;
    right:16px;
    z-index:80;
    flex:none;
    justify-content:flex-start !important;
    align-items:stretch !important;
    gap:4px !important;
  }

  .links a{
    display:flex !important;
    justify-content:space-between !important;
    width:100%;
    border-radius:10px;
  }

  .links a:hover{
    background:#fff7e8;
  }

  .nav>.btn.gold{
    display:none;
  }

  .mobile{
    width:44px;
    height:44px;
    border:1px solid #eadfcb;
    border-radius:12px;
    background:#fffaf1;
    color:#111;
    line-height:1;
  }

  .hero{
    min-height:auto;
    padding-bottom:54px;
  }

  .stats{
    margin-top:0;
  }

  .stat{
    padding:22px 20px;
  }
}

@media(max-width:640px){
  .container{
    width:min(100% - 28px,1120px);
  }

  .section{
    padding:56px 0;
  }

  .hero h1,
  .page-hero h1{
    letter-spacing:-.04em;
  }

  .lead{
    font-size:16px;
    line-height:1.65;
  }

  .cards{
    gap:16px;
  }

  .card{
    min-height:auto;
    padding:24px 20px;
  }

  .foot-grid{
    gap:18px;
  }
}

@media(max-width:900px){
  .topbar .nav{
    position:relative !important;
    width:min(100% - 28px,1120px) !important;
    margin-inline:auto !important;
    transform:none !important;
  }

  .topbar .nav>.btn.gold{
    display:none !important;
  }

  .topbar .mobile{
    display:block !important;
    flex:0 0 44px !important;
  }

  .topbar .links{
    display:none !important;
    position:absolute !important;
    left:16px !important;
    right:16px !important;
    width:auto !important;
    transform:none !important;
  }

  .topbar .links.open{
    display:flex !important;
  }
}

/* V34 premium homepage redesign */
.premium-home{
  background:#f7f5f0;
  color:#171714;
}

.premium-home .topbar{
  background:rgba(250,249,245,.92);
  border-bottom:1px solid rgba(30,28,23,.1);
}

.premium-home .btn.gold,
.premium-home .vayda-submit,
.premium-home .affiliate-submit{
  background:#1f2a24;
  color:#fff;
  border-color:#1f2a24;
  box-shadow:0 18px 36px rgba(31,42,36,.18);
}

.premium-home .btn.gold:hover{
  box-shadow:0 22px 46px rgba(31,42,36,.24);
}

.premium-home .btn.ghost{
  background:#fff;
  border-color:#d7d2c5;
  color:#1f2a24;
}

.vc-hero{
  padding:82px 0 54px;
  background:
    linear-gradient(135deg,rgba(247,245,240,.96),rgba(239,235,225,.92)),
    radial-gradient(circle at 78% 18%,rgba(190,174,141,.34),transparent 34%);
  border-bottom:1px solid #ded8ca;
}

.vc-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.06fr) minmax(340px,.72fr);
  gap:52px;
  align-items:center;
}

.vc-hero-copy h1{
  max-width:760px;
  margin:16px 0 22px;
  font-size:clamp(44px,7vw,82px);
  line-height:.96;
  letter-spacing:-.055em;
}

.vc-hero-copy .lead{
  max-width:640px;
  color:#5f615d;
}

.vc-hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin:32px 0 28px;
}

.vc-proof-row{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:12px;
  max-width:650px;
}

.vc-proof-row div{
  background:rgba(255,255,255,.68);
  border:1px solid #ddd6c8;
  border-radius:14px;
  padding:16px;
}

.vc-proof-row strong{
  display:block;
  color:#1f2a24;
  font-size:20px;
  letter-spacing:-.03em;
}

.vc-proof-row span{
  display:block;
  margin-top:4px;
  color:#676963;
  font-size:12px;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.08em;
}

.vc-command-panel{
  background:#fbfaf7;
  border:1px solid #d8d0bf;
  border-radius:18px;
  padding:24px;
  box-shadow:0 28px 70px rgba(34,30,22,.13);
}

.panel-top{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  margin-bottom:18px;
}

.panel-top span,
.doc-checklist span,
.tab-kicker{
  color:#807663;
  font-size:12px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.13em;
}

.panel-top b{
  color:#1f2a24;
  background:#e6efe8;
  border:1px solid #c9dacd;
  border-radius:999px;
  padding:7px 10px;
  font-size:12px;
}

.capital-meter{
  height:12px;
  background:#e7e2d7;
  border-radius:999px;
  overflow:hidden;
  margin-bottom:20px;
}

.capital-meter div{
  height:100%;
  border-radius:inherit;
  background:linear-gradient(90deg,#1f2a24,#71816f);
}

.deal-list{
  display:grid;
  gap:10px;
}

.deal-list div{
  display:flex;
  justify-content:space-between;
  gap:16px;
  padding:15px 0;
  border-bottom:1px solid #e5dece;
}

.deal-list span{
  color:#343631;
  font-weight:800;
}

.deal-list b{
  color:#6a604d;
}

.doc-checklist{
  margin-top:20px;
  background:#f2eee5;
  border:1px solid #ded6c5;
  border-radius:14px;
  padding:18px;
}

.doc-checklist ul{
  margin:12px 0 0;
  padding-left:18px;
  color:#555851;
  line-height:1.7;
}

.vc-strip{
  background:#1f2a24;
  color:#f8f5ef;
  border-bottom:1px solid rgba(255,255,255,.1);
}

.vc-strip-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
}

.vc-strip span{
  padding:18px 12px;
  text-align:center;
  font-size:12px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.12em;
  color:#dfd8ca;
}

.vc-tabs-section,
.vc-industries{
  background:#fbfaf7;
}

.vc-section-head{
  max-width:760px;
  margin:0 0 34px;
}

.vc-section-head.compact{
  max-width:840px;
}

.vc-section-head h2{
  margin:10px 0 12px;
  font-size:clamp(34px,5vw,54px);
  line-height:1.03;
  letter-spacing:-.045em;
}

.vc-section-head p:not(.eyebrow){
  color:#656761;
  line-height:1.75;
}

.funding-tabs{
  border:1px solid #ded6c8;
  border-radius:18px;
  background:#fff;
  box-shadow:0 24px 64px rgba(34,30,22,.08);
  overflow:hidden;
}

.tab-list{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  background:#f1ede4;
  border-bottom:1px solid #ded6c8;
}

.tab-button{
  min-height:64px;
  border:0;
  border-right:1px solid #ded6c8;
  background:transparent;
  color:#4d504a;
  font:inherit;
  font-weight:900;
  cursor:pointer;
}

.tab-button:last-child{
  border-right:0;
}

.tab-button.active{
  background:#1f2a24;
  color:#fff;
}

.tab-panel{
  display:none;
  grid-template-columns:minmax(0,1.1fr) minmax(300px,.9fr);
  gap:36px;
  padding:34px;
  align-items:start;
}

.tab-panel.active{
  display:grid;
}

.tab-panel h3{
  margin:10px 0 14px;
  font-size:clamp(26px,4vw,40px);
  line-height:1.08;
  letter-spacing:-.035em;
}

.tab-panel p{
  color:#62645f;
  line-height:1.75;
  max-width:660px;
}

.tab-panel dl{
  display:grid;
  gap:12px;
  margin:0;
}

.tab-panel dl div{
  background:#f7f4ee;
  border:1px solid #e2dacb;
  border-radius:14px;
  padding:16px;
}

.tab-panel dt{
  color:#7a715f;
  font-size:12px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.1em;
}

.tab-panel dd{
  margin:7px 0 0;
  color:#232620;
  font-weight:800;
}

.vc-process{
  background:#efebe2;
  border-block:1px solid #ded6c8;
}

.vc-process-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
}

.vc-process-grid div{
  background:#fbfaf7;
  border:1px solid #ded6c8;
  border-radius:16px;
  padding:24px;
}

.vc-process-grid span{
  color:#7c735f;
  font-weight:900;
  letter-spacing:.12em;
}

.vc-process-grid h3{
  margin:18px 0 10px;
  font-size:21px;
  letter-spacing:-.02em;
}

.vc-process-grid p{
  margin:0;
  color:#62645f;
  line-height:1.65;
  font-size:14px;
}

.vc-industry-grid{
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:40px;
  align-items:center;
}

.industry-pills{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
}

.industry-pills span{
  background:#fff;
  border:1px solid #ded6c8;
  border-radius:999px;
  padding:13px 16px;
  color:#30332e;
  font-weight:850;
  box-shadow:0 10px 24px rgba(34,30,22,.05);
}

.vc-affiliate{
  background:#f7f5f0;
  padding-top:34px;
}

.vc-affiliate-card{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:28px;
  background:#1f2a24;
  color:#fff;
  border-radius:18px;
  padding:34px;
  box-shadow:0 28px 70px rgba(31,42,36,.18);
}

.vc-affiliate-card h2{
  max-width:760px;
  margin:10px 0 12px;
  font-size:clamp(28px,4vw,42px);
  line-height:1.08;
  letter-spacing:-.04em;
}

.vc-affiliate-card p:not(.eyebrow){
  color:#d8d2c6;
  line-height:1.7;
}

.vc-affiliate-card .eyebrow{
  color:#c8b891;
}

.vc-affiliate-card .btn.gold{
  background:#f8f5ef;
  color:#1f2a24;
  border-color:#f8f5ef;
  box-shadow:none;
}

@media(max-width:980px){
  .vc-hero-grid,
  .vc-industry-grid,
  .tab-panel{
    grid-template-columns:1fr;
  }

  .vc-process-grid,
  .vc-strip-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .vc-affiliate-card{
    align-items:flex-start;
    flex-direction:column;
  }
}

@media(max-width:640px){
  .vc-hero{
    padding:52px 0 38px;
  }

  .vc-proof-row,
  .vc-process-grid,
  .vc-strip-grid,
  .tab-list{
    grid-template-columns:1fr;
  }

  .tab-button{
    min-height:52px;
    border-right:0;
    border-bottom:1px solid #ded6c8;
  }

  .tab-panel{
    padding:24px 20px;
  }

  .vc-command-panel,
  .vc-affiliate-card{
    padding:22px;
  }
}

/* V36 whole-site business polish */
:root{
  --gold:#b28a3c;
  --gold2:#d2b574;
  --dark:#17211f;
  --muted:#606965;
  --line:#ddd6c8;
  --cream:#f7f4ee;
  --shadow:0 22px 58px rgba(23,33,31,.09);
  --radius:16px;
}

body{
  background:#f7f4ee;
  color:#17211f;
}

.topbar{
  background:rgba(250,248,243,.96)!important;
  border-bottom:1px solid rgba(23,33,31,.1)!important;
  box-shadow:0 10px 30px rgba(23,33,31,.045)!important;
}

.brand img{
  filter:none!important;
}

.links a{
  color:#26312f;
}

.links a:after{
  background:#b28a3c!important;
}

.btn{
  border-radius:12px!important;
}

.btn.gold{
  background:#173b3f!important;
  color:#fff!important;
  border-color:#173b3f!important;
  box-shadow:0 18px 36px rgba(23,59,63,.2)!important;
}

.btn.ghost{
  background:#fff!important;
  border-color:#d8c9ad!important;
  color:#173b3f!important;
}

.page-hero{
  background:linear-gradient(135deg,#f7f4ee,#eee7d9)!important;
  border-bottom:1px solid #ddd6c8;
  padding:74px 0!important;
}

.page-hero h1{
  max-width:820px;
  font-size:clamp(40px,6vw,68px)!important;
  line-height:.98;
  color:#17211f;
}

.page-hero .lead{
  max-width:760px;
  color:#606965!important;
}

.section{
  background:#fbfaf6;
}

.process,
.trusted-network,
.affiliate-strip,
.protection-section,
.resource-soft{
  background:#efebe2!important;
  border-block:1px solid #ded8ca;
}

.card,
.panel,
.formbox,
.feature-box,
.resource-card,
.luxe-resource-card,
.story-card,
.usecase-card,
.mini,
.step .bigicon,
.stats-card{
  border-color:#ded8ca!important;
  border-radius:16px!important;
  box-shadow:0 18px 46px rgba(31,34,28,.07)!important;
}

.card:hover,
.resource-card:hover,
.luxe-resource-card:hover{
  border-color:#b8af9b!important;
  box-shadow:0 24px 58px rgba(31,34,28,.11)!important;
}

.icon,
.card .icon,
.step .bigicon{
  border-color:#d8c9ad!important;
  color:#173b3f!important;
  background:#fff8ea!important;
}

.eyebrow,
.learn,
.check b,
.goldtext{
  color:#9a6f22!important;
}

.goldtext{
  background:none!important;
  -webkit-background-clip:initial!important;
}

.band,
.footer{
  background:#17211f!important;
}

.band:before{
  background:radial-gradient(circle at 18% 16%,rgba(255,255,255,.12),transparent 34%)!important;
}

.footer{
  border-top:1px solid rgba(255,255,255,.12);
}

.footer p,
.footer a{
  color:#d3cdc1!important;
}

.footer h4{
  color:#fff!important;
}

.field input,
.field select,
.field textarea,
.formbox input,
.formbox select,
.formbox textarea{
  border-color:#d8d1c2!important;
  border-radius:12px!important;
}

.field input:focus,
.field select:focus,
.field textarea:focus,
.formbox input:focus,
.formbox select:focus,
.formbox textarea:focus{
  border-color:#1f2a24!important;
  box-shadow:0 0 0 4px rgba(23,59,63,.11)!important;
}

.alert.show,
#loanStatusMessage,
#affiliateStatusMessage{
  background:#eef5ef!important;
  border-color:#cadccd!important;
  color:#1f3a29!important;
}

.resource-luxe-hero,
.resource-hero,
.hero{
  background:linear-gradient(135deg,#f7f4ee,#fbfaf6)!important;
}

.orb{
  border-radius:18px!important;
  background:#fff!important;
  box-shadow:0 22px 58px rgba(31,34,28,.09)!important;
}

.orb:before,
.spark{
  display:none!important;
}

.stats-card{
  background:#fff!important;
}

.mini strong,
.stat strong{
  color:#173b3f;
}

@media(max-width:900px){
  .topbar .links{
    background:#fff!important;
    border-color:#ded8ca!important;
  }
}

/* V37 boxed professional homepage */
.boxed-home{
  background:#f7f4ee;
}

.home-shell{
  width:min(1180px,calc(100% - 36px));
  margin:0 auto;
  padding:34px 0 78px;
}

.home-hero-box,
.home-box,
.home-cta-box{
  background:#fff;
  border:1px solid #ddd6c8;
  border-radius:18px;
  box-shadow:0 22px 58px rgba(23,33,31,.09);
}

.home-hero-box{
  display:grid;
  grid-template-columns:minmax(0,1.08fr) minmax(340px,.72fr);
  gap:24px;
  padding:24px;
  margin-bottom:22px;
}

.home-hero-copy{
  background:#fbfaf6;
  border:1px solid #e7decd;
  border-radius:16px;
  padding:clamp(28px,5vw,54px);
}

.home-hero-copy img{
  width:190px;
  margin-bottom:28px;
}

.home-hero-copy h1{
  margin:12px 0 18px;
  max-width:760px;
  font-size:clamp(42px,6vw,72px);
  line-height:.96;
  letter-spacing:-.055em;
}

.home-hero-copy p:not(.eyebrow){
  max-width:690px;
  color:#606965;
  font-size:17px;
  line-height:1.72;
}

.home-actions{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:28px;
}

.home-status-card{
  background:linear-gradient(145deg,#173b3f,#17211f);
  color:#fff;
  border-radius:16px;
  padding:24px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  gap:20px;
}

.status-header{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:14px;
}

.status-header span{
  color:#d9ceb8;
  font-size:12px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.12em;
}

.status-header b{
  background:#fff8ea;
  color:#173b3f;
  border-radius:999px;
  padding:8px 11px;
  font-size:12px;
}

.status-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:12px;
}

.status-grid div,
.status-list div{
  border:1px solid rgba(255,255,255,.16);
  background:rgba(255,255,255,.06);
  border-radius:14px;
  padding:16px;
}

.status-grid strong{
  display:block;
  font-size:26px;
  letter-spacing:-.04em;
}

.status-grid span{
  display:block;
  margin-top:5px;
  color:#d9ceb8;
  font-size:12px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.1em;
}

.status-list{
  display:grid;
  gap:10px;
}

.status-list div{
  display:flex;
  justify-content:space-between;
  gap:14px;
}

.status-list span{
  color:#f3ebdc;
  font-weight:800;
}

.status-list b{
  color:#d9ceb8;
  font-size:13px;
}

.home-box{
  padding:clamp(22px,4vw,34px);
  margin-top:22px;
}

.box-heading{
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(260px,.56fr);
  gap:24px;
  align-items:end;
  margin-bottom:24px;
}

.box-heading.stacked{
  display:block;
}

.box-heading h2,
.home-cta-box h2,
.dark-box h2{
  margin:8px 0 0;
  font-size:clamp(30px,4vw,46px);
  line-height:1.05;
  letter-spacing:-.04em;
}

.box-heading p:not(.eyebrow),
.home-cta-box p,
.dark-box p{
  color:#606965;
  line-height:1.7;
}

.boxed-tabs{
  box-shadow:none!important;
}

.home-grid{
  display:grid;
  grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);
  gap:22px;
  align-items:stretch;
}

.process-list{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}

.process-list div{
  background:#fbfaf6;
  border:1px solid #e7decd;
  border-radius:14px;
  padding:18px;
}

.process-list span{
  color:#9a6f22;
  font-size:12px;
  font-weight:900;
  letter-spacing:.12em;
}

.process-list h3{
  margin:13px 0 8px;
  font-size:19px;
}

.process-list p{
  margin:0;
  color:#606965;
  line-height:1.6;
  font-size:14px;
}

.dark-box{
  background:linear-gradient(145deg,#173b3f,#17211f);
  color:#fff;
}

.dark-box .eyebrow{
  color:#d2b574!important;
}

.dark-box p{
  color:#d9ceb8;
}

.dark-list{
  display:grid;
  gap:12px;
  margin-top:24px;
}

.dark-list div{
  display:flex;
  justify-content:space-between;
  gap:14px;
  border:1px solid rgba(255,255,255,.14);
  background:rgba(255,255,255,.06);
  border-radius:14px;
  padding:16px;
}

.dark-list span{
  color:#f3ebdc;
  font-weight:800;
}

.dark-list b{
  color:#d9ceb8;
  font-size:13px;
}

.industry-box-grid{
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  gap:12px;
}

.industry-box-grid span{
  background:#fbfaf6;
  border:1px solid #e7decd;
  border-radius:14px;
  padding:16px;
  color:#26312f;
  font-weight:850;
  text-align:center;
}

.home-cta-box{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:26px;
  margin-top:22px;
  padding:clamp(26px,4vw,40px);
  background:linear-gradient(135deg,#fff,#fbfaf6);
}

.home-cta-box div{
  max-width:760px;
}

@media(max-width:980px){
  .home-hero-box,
  .home-grid,
  .box-heading{
    grid-template-columns:1fr;
  }

  .home-status-card{
    background:#fff;
    color:#17211f;
    border:1px solid #ddd6c8;
  }

  .status-header span,
  .status-grid span,
  .status-list b{
    color:#62645f;
  }

  .status-header b{
    background:#173b3f;
    color:#fff;
  }

  .status-grid div,
  .status-list div{
    background:#fbfaf6;
    border-color:#e7decd;
  }

  .status-list span{
    color:#26312f;
  }

  .industry-box-grid{
    grid-template-columns:repeat(2,minmax(0,1fr));
  }

  .home-cta-box{
    align-items:flex-start;
    flex-direction:column;
  }
}

@media(max-width:640px){
  .home-shell{
    width:min(100% - 28px,1180px);
    padding-top:22px;
  }

  .home-hero-box{
    padding:14px;
  }

  .home-hero-copy,
  .home-status-card,
  .home-box,
  .home-cta-box{
    padding:22px;
  }

  .home-hero-copy img{
    width:160px;
  }

  .process-list,
  .industry-box-grid{
    grid-template-columns:1fr;
  }

  .home-actions .btn,
  .home-cta-box .btn{
    width:100%;
  }
}

/* V38 full-site containment and definition */
main{
  background:#f0eee8;
}

main > .page-hero{
  padding:34px 0!important;
}

.page-hero .container{
  background:#fff;
  border:1px solid #ded8ca;
  border-radius:18px;
  box-shadow:0 22px 58px rgba(31,34,28,.08);
  padding:clamp(26px,5vw,52px);
}

main > .hero{
  min-height:auto!important;
  padding:34px 0!important;
}

.hero .hero-grid{
  background:#fff;
  border:1px solid #ded8ca;
  border-radius:18px;
  box-shadow:0 22px 58px rgba(31,34,28,.08);
  padding:clamp(24px,4vw,42px);
}

main > .section,
main > .partners,
main > .trusted-network,
main > .process,
main > .affiliate-strip{
  padding:34px 0!important;
  background:#f0eee8!important;
}

.section > .container,
.partners > .container,
.trusted-network > .container,
.process > .container,
.affiliate-strip > .container{
  background:#fff;
  border:1px solid #ded8ca;
  border-radius:18px;
  box-shadow:0 22px 58px rgba(31,34,28,.08);
  padding:clamp(22px,4vw,34px);
}

.section > .container.cards{
  display:grid;
  background:transparent;
  border:0;
  box-shadow:none;
  padding:0;
}

.section > .container.center .cards,
.cards,
.resource-card-grid,
.luxe-card-grid,
.story-grid,
.usecase-grid,
.bank-grid,
.mini-grid,
.steps{
  gap:16px!important;
}

.card,
.panel,
.formbox,
.feature-box,
.resource-card,
.luxe-resource-card,
.story-card,
.usecase-card,
.step,
.mini,
.bank-grid span,
.profile-grid div,
.stacked-list div,
.check-pill,
.faq-stack details,
.faq-box details,
.estimate-panel,
.protect-note,
.trust-note,
.cta-box{
  background:#fbfaf7!important;
  border:1px solid #ded8ca!important;
  border-radius:14px!important;
  box-shadow:0 14px 34px rgba(31,34,28,.06)!important;
}

.step{
  padding:20px 16px;
}

.card,
.resource-card,
.luxe-resource-card,
.story-card,
.usecase-card{
  text-align:left;
}

.card .icon{
  margin:0 0 18px;
}

.center .card{
  text-align:left;
}

.content-grid,
.resource-two-col,
.editorial-grid,
.checklist-layout,
.faq-layout,
.split,
.protection-grid{
  gap:18px!important;
}

.band{
  margin:34px auto;
  width:min(1120px,calc(100% - 40px));
  border-radius:18px;
  padding:42px 0!important;
  box-shadow:0 22px 58px rgba(31,34,28,.14);
}

.band .container{
  width:min(100% - 44px,1040px);
}

.site-disclosure{
  margin:0;
}

.footer{
  margin-top:0;
}

.footer .foot-grid{
  background:rgba(255,255,255,.04);
  border:1px solid rgba(255,255,255,.12);
  border-radius:18px;
  padding:28px;
}

.field,
.vayda-field,
.affiliate-field,
.partner-field{
  min-width:0;
}

input,
select,
textarea{
  max-width:100%;
}

@media(max-width:900px){
  .page-hero .container,
  .hero .hero-grid,
  .section > .container,
  .partners > .container,
  .trusted-network > .container,
  .process > .container,
  .affiliate-strip > .container{
    padding:22px;
  }

  .band{
    width:min(100% - 28px,1120px);
  }
}

@media(max-width:640px){
  main > .page-hero,
  main > .hero,
  main > .section,
  main > .partners,
  main > .trusted-network,
  main > .process,
  main > .affiliate-strip{
    padding:18px 0!important;
  }

  .page-hero .container,
  .hero .hero-grid,
  .section > .container,
  .partners > .container,
  .trusted-network > .container,
  .process > .container,
  .affiliate-strip > .container,
  .footer .foot-grid{
    border-radius:14px;
    padding:20px;
  }

  .band{
    margin:18px auto;
    border-radius:14px;
  }
}

/* V40 final override: consistent premium finance finish */
body.vc-page{background:#f7f4ee!important;color:#17211f!important}
.vc-shell{width:min(1180px,calc(100% - 36px));margin:0 auto;padding:34px 0 78px}
.vc-page-hero,.vc-card-section,.vc-box,.submitted-modern{background:#fff!important;border:1px solid #ddd6c8!important;border-radius:18px!important;box-shadow:0 22px 58px rgba(23,33,31,.09)!important}
.vc-page-hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.68fr);gap:24px;padding:24px;margin-bottom:22px}
.vc-hero-copy{background:#fbfaf6;border:1px solid #e7decd;border-radius:16px;padding:clamp(28px,5vw,54px)}
.vc-hero-copy h1,.legal-clean h1,.submitted-modern h1{margin:10px 0 18px;font-size:clamp(40px,5.6vw,68px);line-height:1;letter-spacing:-.045em;color:#17211f}
.vc-hero-copy p:not(.eyebrow),.vc-box p,.submitted-modern p{max-width:700px;color:#606965;font-size:17px;line-height:1.72}
.vc-hero-panel{background:linear-gradient(145deg,#173b3f,#17211f)!important;color:#fff;border-radius:16px;padding:24px;display:flex;flex-direction:column;justify-content:space-between;gap:20px;min-height:320px}
.vc-hero-panel span{color:#d9ceb8;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.12em}
.vc-hero-panel strong{display:block;font-size:clamp(32px,4vw,50px);line-height:1;letter-spacing:-.04em}
.vc-hero-panel p{margin:0;color:#d9ceb8;line-height:1.65}
.vc-card-section{padding:clamp(22px,4vw,34px);margin-top:22px}
.vc-mini-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.vc-mini-card{background:#fbfaf6!important;border:1px solid #e7decd!important;border-radius:14px!important;padding:18px;min-height:160px;box-shadow:none!important}
.vc-mini-card span{display:inline-block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.12em;margin-bottom:13px}
.vc-mini-card strong{display:block;font-size:18px;letter-spacing:-.02em;margin-bottom:8px}
.vc-mini-card p{margin:0;color:#606965;line-height:1.6;font-size:14px}
.vc-two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px;margin-top:22px}
.vc-box{padding:clamp(24px,4vw,36px)}
.vc-box h2,.legal-clean h2{margin:8px 0 16px;font-size:clamp(28px,4vw,44px);line-height:1.07;letter-spacing:-.04em;color:#17211f}
.vc-box.dark{background:linear-gradient(145deg,#173b3f,#17211f)!important;color:#fff}
.vc-box.dark h2{color:#fff}
.vc-box.dark .eyebrow{color:#d2b574!important}
.vc-box.dark p{color:#d9ceb8}
.vc-check-list{display:grid;gap:12px;margin:22px 0 0;padding:0;list-style:none}
.vc-check-list li{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:15px 16px;color:#26312f;font-weight:800}
.industry-box-grid.pro{grid-template-columns:repeat(5,minmax(0,1fr))}
.formbox.compact{box-shadow:none!important;border-radius:16px!important;background:#fbfaf6!important;border-color:#e7decd!important}
.legal-clean{padding:clamp(28px,5vw,54px)}
.legal-clean>p{max-width:860px;color:#606965;line-height:1.75;font-size:17px}
.submitted-modern{padding:clamp(30px,6vw,64px);text-align:center}
.submitted-modern .checkmark{width:78px;height:78px;margin:0 auto 22px;border-radius:50%;display:grid;place-items:center;background:#173b3f;color:#fff;font-size:38px;font-weight:950}
.submitted-modern p{margin-left:auto;margin-right:auto}
.center-actions{justify-content:center}
.topbar .btn.gold,.vc-page .btn.gold,.boxed-home .btn.gold,.application-page .btn.gold,.affiliate-page .btn.gold{background:#173b3f!important;color:#fff!important;box-shadow:0 16px 34px rgba(23,59,63,.18)!important}
.vc-page .btn.ghost,.boxed-home .btn.ghost{background:#fff!important;border-color:#ddd6c8!important;color:#17211f!important}
.vc-page .eyebrow,.boxed-home .eyebrow,.application-page .eyebrow,.affiliate-page .eyebrow{color:#b28a3c!important}
@media(max-width:980px){.vc-page-hero,.vc-two-col{grid-template-columns:1fr}.vc-hero-panel{background:#fff!important;color:#17211f;border:1px solid #ddd6c8}.vc-hero-panel span,.vc-hero-panel p{color:#606965}.vc-mini-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.industry-box-grid.pro{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.vc-shell{width:min(100% - 28px,1180px);padding-top:22px}.vc-page-hero{padding:14px}.vc-hero-copy,.vc-hero-panel,.vc-card-section,.vc-box,.submitted-modern{padding:22px}.vc-mini-grid,.industry-box-grid.pro{grid-template-columns:1fr}.vc-shell .btn{width:100%}}

/* V41 clickable funding paths */
.tab-panel[role="link"],.luxe-resource-card[role="link"]{cursor:pointer}
.tab-panel[role="link"]:focus-visible,.luxe-resource-card[role="link"]:focus-visible,.vc-option-grid a:focus-visible{outline:3px solid rgba(178,138,60,.45);outline-offset:4px}
.tab-panel[role="link"]:hover{border-color:#b28a3c!important;box-shadow:0 20px 54px rgba(23,33,31,.12)}
.vc-option-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:22px}
.vc-option-grid a{display:block;background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px;min-height:134px;transition:.2s}
.vc-option-grid a:hover{transform:translateY(-3px);border-color:#b28a3c;box-shadow:0 16px 38px rgba(23,33,31,.09)}
.vc-option-grid span{display:block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}
.vc-option-grid strong{display:block;color:#17211f;line-height:1.45;font-size:15px}
@media(max-width:980px){.vc-option-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.vc-option-grid{grid-template-columns:1fr}}

/* V43 make public tabs model the homepage and affiliate page */
.unified-page .vc-page-logo{width:220px!important;height:auto!important;margin:0 0 24px!important}
.unified-page .vc-shell{padding-top:34px}
.unified-page .vc-page-hero{align-items:stretch}
.unified-page .vc-hero-copy{display:flex;flex-direction:column;align-items:flex-start}
.unified-page .vc-card-section,.unified-page .vc-box{overflow:hidden}
.model-stat-list{display:grid;gap:12px}
.model-stat-list div{border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.06);border-radius:14px;padding:16px}
.model-stat-list span{display:block;color:#fff;font-size:25px;font-weight:900;letter-spacing:-.03em}
.model-stat-list b{display:block;margin-top:5px;color:#d9ceb8;font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.model-grid a,.industry-box-grid.pro a{color:inherit}
.industry-box-grid.pro a{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px;color:#26312f;font-weight:850;text-align:center;transition:.2s}
.industry-box-grid.pro a:hover,.model-grid a:hover{transform:translateY(-3px);border-color:#b28a3c;box-shadow:0 16px 38px rgba(23,33,31,.09)}
.model-faq{display:grid;gap:12px}
.model-faq details{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;overflow:hidden}
.model-faq summary{cursor:pointer;font-weight:900;padding:18px 20px}
.model-faq p{margin:0;padding:0 20px 18px;color:#606965;line-height:1.7}
.unified-page .formbox.compact .btn{width:auto}
@media(max-width:640px){
  .unified-page .vc-page-logo{width:130px!important}
  .unified-page .formbox.compact .btn{width:100%}
}

/* V44 affiliate partner program disclosure */
.partner-program-terms{background:#fff!important;border-color:#ddd6c8!important}
.partner-term-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.partner-term-grid div{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px}
.partner-term-grid span{display:inline-block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.12em;margin-bottom:12px}
.partner-term-grid b{display:block;color:#17211f;font-size:17px;margin-bottom:8px}
.partner-term-grid p{margin:0;color:#606965;font-size:13px;line-height:1.6}
.partner-disclaimer{margin:16px 0 0;padding:16px 18px;background:#fff8ea;border:1px solid #d8ccb8;border-radius:14px;color:#51493a!important;font-size:13px!important;line-height:1.65!important;max-width:none!important}
.partner-disclaimer strong{color:#173b3f}
@media(max-width:700px){.partner-term-grid{grid-template-columns:1fr}}

/* V45 force main navigation tabs onto the same homepage model */
.model-home-page .home-shell{padding-top:34px}
.model-home-page .home-hero-copy img{width:220px!important;height:auto!important;margin:0 0 24px!important}
.model-home-page .industry-box-grid.pro a{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px;color:#26312f;font-weight:850;text-align:center;transition:.2s}
.model-home-page .industry-box-grid.pro a:hover,.model-home-page .vc-option-grid a:hover{transform:translateY(-3px);border-color:#b28a3c;box-shadow:0 16px 38px rgba(23,33,31,.09)}
.model-home-page .home-box .formbox.compact{background:#fbfaf6!important;border:1px solid #e7decd!important;border-radius:14px!important;box-shadow:none!important;padding:0!important}
.model-home-page .home-box .formbox.compact .field{margin-bottom:15px}
.model-home-page .home-box .formbox.compact .btn{width:auto}
.model-home-page .home-status-card .home-actions{margin-top:0}
.model-home-page .dark-box .btn.gold{background:#fff8ea!important;color:#173b3f!important;box-shadow:none!important}
@media(max-width:640px){.model-home-page .home-box .formbox.compact .btn{width:100%}}

/* V47 polish industries and contact inner cards */
.contact-status-grid strong{font-size:24px!important}
.contact-status-grid span{overflow-wrap:anywhere;text-transform:none!important;letter-spacing:0!important;font-size:13px!important}
.industry-card-links a{display:block;text-align:left!important}
.industry-card-links a span{display:block;color:#17211f;font-weight:900;margin-bottom:7px}
.industry-card-links a b{display:block;color:#606965;font-size:12px;line-height:1.45}

/* V49 conversion and trust upgrades */
.application-trust-grid,.partner-program-overview{width:min(1180px,100%);margin:0 auto 24px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);gap:24px}
.application-trust-card,.application-ready-card,.partner-program-overview{background:#fff;border:1px solid #ddd6c8;border-radius:18px;box-shadow:0 22px 58px rgba(23,33,31,.08)}
.application-trust-card,.application-ready-card{padding:clamp(22px,4vw,34px)}
.application-trust-card h2,.application-ready-card h2,.overview-copy h2{margin:8px 0 16px;font-size:clamp(28px,4vw,42px);line-height:1.07;letter-spacing:-.04em;color:#17211f}
.trust-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:22px}
.trust-steps div,.overview-grid div{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px}
.trust-steps span,.overview-grid span{display:inline-block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.12em;margin-bottom:12px}
.trust-steps b,.overview-grid b{display:block;color:#17211f;font-size:17px;margin-bottom:8px}
.trust-steps p,.overview-grid p,.overview-copy p{margin:0;color:#606965;line-height:1.6;font-size:14px}
.application-ready-card ul{display:grid;gap:12px;margin:18px 0 0;padding:0;list-style:none}
.application-ready-card li{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:14px 15px;color:#26312f;font-weight:850}
.partner-program-overview{padding:clamp(22px,4vw,34px);align-items:start}
.overview-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.mobile-sticky-cta{position:fixed;left:12px;right:12px;bottom:12px;z-index:80;display:none;grid-template-columns:1fr 1fr;gap:10px;padding:10px;background:rgba(255,255,255,.94);border:1px solid #ddd6c8;border-radius:16px;box-shadow:0 18px 44px rgba(23,33,31,.18);backdrop-filter:blur(16px)}
.mobile-sticky-cta a{display:flex;align-items:center;justify-content:center;border-radius:12px;padding:13px 12px;font-size:13px;font-weight:900;text-decoration:none}
.mobile-sticky-cta .apply{background:#173b3f;color:#fff}
.mobile-sticky-cta .call{background:#fff8ea;color:#173b3f;border:1px solid #ddd6c8}
body.has-mobile-sticky{padding-bottom:0}
@media(max-width:900px){.application-trust-grid,.partner-program-overview{grid-template-columns:1fr}.trust-steps,.overview-grid{grid-template-columns:1fr}}
@media(max-width:720px){.mobile-sticky-cta{display:grid}body.has-mobile-sticky{padding-bottom:84px}}

/* V50 lead capture, proof, and FAQ polish */
.conversion-box{overflow:hidden}
.quick-lead-form{display:grid;grid-template-columns:repeat(5,minmax(0,1fr)) auto;gap:12px;align-items:end;background:#fbfaf6;border:1px solid #e7decd;border-radius:16px;padding:18px}
.quick-lead-form .field{margin:0}
.quick-lead-form label{display:block;margin:0 0 7px;color:#51493a;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}
.quick-lead-form input,.quick-lead-form select{width:100%;min-height:48px;border:1px solid #d8ccb8;border-radius:12px;background:#fff;padding:0 12px;color:#17211f;font:inherit}
.quick-lead-form .btn{min-height:48px;white-space:nowrap}
.quick-lead-form .alert{grid-column:1/-1;margin:0}
.proof-grid,.faq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.proof-grid div,.faq-grid details{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:18px}
.proof-grid span{display:inline-block;color:#9a6f22;font-size:12px;font-weight:900;letter-spacing:.12em;margin-bottom:12px}
.proof-grid b{display:block;color:#17211f;font-size:18px;margin-bottom:8px}
.proof-grid p,.faq-grid p{margin:0;color:#606965;line-height:1.65;font-size:14px}
.faq-grid details{padding:0;overflow:hidden}
.faq-grid summary{cursor:pointer;padding:18px;color:#17211f;font-weight:900}
.faq-grid p{padding:0 18px 18px}
.crm-note{margin:14px 0 0;padding:14px 16px;background:#fff8ea;border:1px solid #d8ccb8;border-radius:14px;color:#51493a!important;font-size:13px!important;line-height:1.6!important;max-width:none!important}
.crm-note strong{color:#173b3f}
button[disabled]{opacity:.68;cursor:not-allowed}
.language-switcher{display:inline-grid;grid-template-columns:1fr 1fr;align-items:center;gap:3px;padding:4px;background:#f7f4ee;border:1px solid #ddd6c8;border-radius:999px}
.language-switcher button{appearance:none;border:0;border-radius:999px;background:transparent;color:#4f5753;cursor:pointer;font:inherit;font-size:11px;font-weight:900;letter-spacing:.08em;line-height:1;padding:9px 10px;min-width:38px}
.language-switcher button.active{background:#173b3f;color:#fff;box-shadow:0 8px 18px rgba(23,59,63,.16)}
.language-switcher button:focus-visible{outline:3px solid rgba(178,138,60,.4);outline-offset:2px}
body.lang-es .quick-lead-form .btn,body.lang-es .vayda-submit,body.lang-es .affiliate-submit{white-space:normal;line-height:1.25}
@media(max-width:1100px){.quick-lead-form{grid-template-columns:repeat(2,minmax(0,1fr))}.quick-lead-form .btn{width:100%}}
@media(max-width:780px){.proof-grid,.faq-grid{grid-template-columns:1fr}.quick-lead-form{grid-template-columns:1fr}}
@media(max-width:980px){.language-switcher{margin-left:auto}.links.open+.btn.gold+.mobile,.links.open~.mobile{align-self:center}}
@media(max-width:720px){.language-switcher{order:3}.topbar .btn.gold{order:4}.mobile{order:5}}

/* V60 owner feedback trust section */
.owner-feedback-box{position:relative;overflow:hidden}
.feedback-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.feedback-grid article{display:flex;min-height:280px;flex-direction:column;justify-content:space-between;background:#fbfaf6;border:1px solid #e7decd;border-radius:16px;padding:22px;box-shadow:0 14px 34px rgba(23,33,31,.06)}
.feedback-stars{color:#b28a3c;font-size:14px;letter-spacing:.08em;margin-bottom:16px}
.feedback-grid p{margin:0;color:#3e4743;line-height:1.7;font-size:15px}
.feedback-grid footer{display:grid;gap:5px;margin-top:22px;padding-top:18px;border-top:1px solid #e7decd}
.feedback-grid strong{color:#17211f;font-size:15px}
.feedback-grid span{color:#606965;font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.feedback-note{margin:16px 0 0;color:#6f766f!important;font-size:12px!important;line-height:1.6!important}
@media(max-width:900px){.feedback-grid{grid-template-columns:1fr}.feedback-grid article{min-height:auto}}

/* V59 real logo polish */
.topbar .brand{
  position:relative!important;
  display:inline-flex!important;
  align-items:center!important;
  justify-content:center!important;
  width:76px!important;
  min-width:76px!important;
  height:76px!important;
  padding:6px!important;
  border:1px solid rgba(221,214,200,.92)!important;
  border-radius:14px!important;
  background:linear-gradient(145deg,#fff,#fbfaf6)!important;
  box-shadow:0 14px 34px rgba(23,33,31,.10),inset 0 1px 0 rgba(255,255,255,.82)!important;
  overflow:hidden!important;
}
.topbar .brand:before{
  content:"";
  position:absolute;
  inset:-1px auto -1px -1px;
  width:5px;
  background:linear-gradient(180deg,#d2b574,#9a6f22);
}
.topbar .brand img{
  position:relative!important;
  width:64px!important;
  height:64px!important;
  max-height:none!important;
  object-fit:contain!important;
  border-radius:10px!important;
  filter:drop-shadow(0 8px 14px rgba(0,0,0,.16))!important;
}
.home-hero-copy>img,.vc-hero-copy>img,.affiliate-hero-card>img,.application-hero-card>img,.model-home-page .home-hero-copy img,.unified-page .vc-page-logo{
  width:clamp(150px,18vw,190px)!important;
  height:clamp(150px,18vw,190px)!important;
  padding:8px!important;
  margin:0 0 24px!important;
  border:1px solid #ddd6c8!important;
  border-radius:16px!important;
  background:linear-gradient(145deg,#fff,#fbfaf6)!important;
  box-shadow:0 18px 40px rgba(23,33,31,.12),0 0 0 6px rgba(210,181,116,.10)!important;
  object-fit:contain!important;
  filter:none!important;
}
.footer img{
  width:132px!important;
  height:132px!important;
  padding:8px!important;
  border:1px solid rgba(255,255,255,.18)!important;
  border-radius:14px!important;
  background:#fff!important;
  object-fit:contain!important;
  filter:drop-shadow(0 14px 24px rgba(0,0,0,.30))!important;
}
@media(max-width:900px){
  .topbar .brand{width:68px!important;min-width:68px!important;height:68px!important;padding:5px!important}
  .topbar .brand img{width:58px!important;height:58px!important;max-height:none!important}
}
@media(max-width:560px){
  .topbar .brand{width:62px!important;min-width:62px!important;height:62px!important}
  .topbar .brand img{width:52px!important;height:52px!important}
  .home-hero-copy>img,.vc-hero-copy>img,.affiliate-hero-card>img,.application-hero-card>img,.model-home-page .home-hero-copy img,.unified-page .vc-page-logo{width:150px!important;height:150px!important}
}

/* V62 Supabase intake and admin dashboard */
#loanStatusMessage.error{background:#fff1ef!important;border-color:#e5b8b2!important;color:#7b241c!important}
.admin-page{min-height:100vh;background:#f7f4ee;color:#17211f}
.admin-shell{width:min(1240px,calc(100% - 32px));margin:0 auto;padding:28px 0 72px}
[hidden]{display:none!important}
.admin-login{min-height:100vh;display:grid;place-items:center;padding:34px 0}
.admin-login-card{width:min(620px,100%);background:#fff;border:1px solid #ddd6c8;border-radius:18px;box-shadow:0 22px 58px rgba(31,34,28,.08);padding:clamp(24px,5vw,46px)}
.admin-login-card img{width:150px;height:150px;object-fit:contain;margin-bottom:20px}
.admin-login-card h1,.admin-header h1{margin:8px 0 10px;font-size:clamp(34px,5vw,54px);line-height:1;letter-spacing:-.045em}
.admin-login-card p,.admin-header p{color:#606965;line-height:1.7}
.admin-login-form{display:grid;gap:14px;margin-top:24px}
.admin-login-form label,.admin-filters label{display:grid;gap:8px;color:#26312f;font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.admin-login-form input,.admin-filters input,.detail-head select{width:100%;border:1px solid #d8d1c2;background:#fff;border-radius:12px;padding:14px;font:inherit;color:#17211f}
.admin-login-message,.admin-config-warning{margin-top:12px;color:#7b241c;font-weight:800;line-height:1.5}
.admin-header{display:flex;justify-content:space-between;gap:22px;align-items:center;background:#fff;border:1px solid #ddd6c8;border-radius:18px;padding:clamp(22px,4vw,34px);box-shadow:0 20px 52px rgba(31,34,28,.07)}
.admin-header-actions{display:flex;flex-wrap:wrap;gap:10px;justify-content:flex-end}
.admin-filters{display:grid;grid-template-columns:minmax(220px,1fr) 170px 170px 160px;gap:14px;margin:18px 0;background:#fff;border:1px solid #ddd6c8;border-radius:18px;padding:18px;box-shadow:0 16px 40px rgba(31,34,28,.05)}
.admin-filters .admin-check{display:flex;align-items:center;gap:10px;align-self:end;min-height:48px;border:1px solid #d8d1c2;background:#fbfaf6;border-radius:12px;padding:0 13px}
.admin-filters .admin-check input{width:18px;height:18px;padding:0;margin:0;accent-color:#173b3f}
.admin-summary{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:12px;margin:0 0 18px}
.summary-card{border:1px solid #ddd6c8;background:#fff;border-radius:14px;padding:15px 14px;text-align:left;cursor:pointer;box-shadow:0 14px 34px rgba(31,34,28,.05);color:#17211f}
.summary-card:hover{border-color:#b28a3c;background:#fff8ea}
.summary-card span{display:block;color:#8a6c2e;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;min-height:24px}
.summary-card strong{display:block;margin:4px 0;font-size:30px;line-height:1;letter-spacing:-.03em;color:#173b3f}
.summary-card small{display:block;color:#68706b;font-size:11px;line-height:1.35;font-weight:800}
.admin-layout{display:grid;grid-template-columns:360px minmax(0,1fr);gap:18px;align-items:start}
.application-list,.application-detail{background:#fff;border:1px solid #ddd6c8;border-radius:18px;box-shadow:0 18px 46px rgba(31,34,28,.06)}
.application-list{padding:10px;display:grid;gap:8px;max-height:74vh;overflow:auto}
.application-row{display:flex;justify-content:space-between;gap:12px;text-align:left;border:1px solid transparent;background:#fbfaf6;border-radius:14px;padding:14px;cursor:pointer;color:#17211f}
.application-row.active,.application-row:hover{border-color:#b28a3c;background:#fff8ea}
.application-row strong,.application-row b{display:block;font-size:14px}
.application-row small{display:block;color:#68706b;margin-top:4px;line-height:1.35}
.application-detail{padding:clamp(18px,3vw,28px);min-height:520px}
.detail-head{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;border-bottom:1px solid #e7decd;padding-bottom:18px;margin-bottom:18px}
.detail-head h2{margin:5px 0 7px;font-size:clamp(28px,4vw,40px);line-height:1.05;letter-spacing:-.04em}
.detail-head p{margin:0;color:#606965}
.detail-head select{max-width:230px;font-weight:900}
.detail-actions{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:18px}
.detail-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-bottom:18px}
.detail-grid div,.detail-box{background:#fbfaf6;border:1px solid #e7decd;border-radius:14px;padding:16px}
.detail-grid small{display:block;color:#8a6c2e;font-weight:900;text-transform:uppercase;letter-spacing:.08em;font-size:11px;margin-bottom:7px}
.detail-grid strong{display:block;word-break:break-word}
.detail-box{margin-top:12px}
.detail-box h3{margin:0 0 10px;font-size:17px}
.detail-box p{color:#3e4743;line-height:1.65}
.detail-box pre{white-space:pre-wrap;overflow:auto;font-size:12px;line-height:1.55;color:#3e4743}
.document-list{display:grid;gap:10px}
.download-doc{display:flex;justify-content:space-between;gap:12px;align-items:center;border:1px solid #d8d1c2;background:#fff;border-radius:12px;padding:13px 14px;color:#17211f;font-weight:900;cursor:pointer;text-align:left}
.download-doc small{color:#68706b;font-weight:800}
.admin-empty{padding:22px;color:#68706b;line-height:1.6}
@media(max-width:980px){.admin-header{align-items:flex-start;flex-direction:column}.admin-header-actions{justify-content:flex-start}.admin-filters,.admin-layout{grid-template-columns:1fr}.admin-summary{grid-template-columns:repeat(2,minmax(0,1fr))}.application-list{max-height:none}.detail-head{display:block}.detail-head select{max-width:none;margin-top:14px}.detail-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.admin-shell{width:min(100% - 24px,1240px);padding-top:18px}.admin-header-actions .btn,.detail-actions .btn{width:100%}.admin-summary{grid-template-columns:1fr}.detail-grid{grid-template-columns:1fr}.application-row{display:grid}}