:root {
  --primary: #243b6b;
  --secondary: #26b3a8;
  --accent: #f2f7fb;
  --muted: #64748b;
  --card: #ffffff;
}
body { font-family:'Manrope',sans-serif; color:#1f2937; background:#fff; }
a { color:var(--primary); text-decoration:none; }
a:hover { color:#0b2540; }
.topbar { background:var(--primary); color:#fff; }
.phone-link { color:#fff; font-weight:700; }
.site-nav { background:rgba(255,255,255,.96); backdrop-filter: blur(10px); }
.navbar-brand span { color:var(--primary); }
.nav-link { font-weight:600; color:#334155; margin-left:.3rem; }
.nav-link.active, .nav-link:hover { color:var(--primary); }
.hero-section { background:linear-gradient(135deg, rgba(36,59,107,.95), rgba(20,29,54,.88)); position:relative; overflow:hidden; }
.hero-section::after { content:""; position:absolute; inset:auto -10% -20% auto; width:340px; height:340px; background:radial-gradient(circle, rgba(255,255,255,.18), transparent 62%); }
.min-vh-50 { min-height:52vh; }
.eyebrow { text-transform:uppercase; letter-spacing:.16em; font-size:.78rem; opacity:.85; font-weight:700; }
.hero-panel, .stats-panel, .info-card, .grid-card, .sidebar-card, .contact-card { background:var(--card); border-radius:1.2rem; box-shadow:0 16px 40px rgba(15,23,42,.08); }
.hero-panel { padding:1.6rem; color:#102033; }
.hero-list { padding-left:1.1rem; margin:0; }
.hero-list li { margin-bottom:.7rem; }
.section-soft { background:var(--accent); }
.section-heading h2 { font-size:2rem; margin-bottom:.9rem; }
.section-text { font-size:1.05rem; color:#334155; max-width:900px; }
.info-card, .grid-card, .sidebar-card, .contact-card { padding:1.5rem; border:1px solid rgba(148,163,184,.16); }
.info-card h3, .grid-card h3, .sidebar-card h3 { font-size:1.2rem; margin-top:.8rem; margin-bottom:.6rem; }
.icon-wrap { width:54px; height:54px; display:grid; place-items:center; border-radius:14px; background:var(--accent); color:var(--primary); font-size:1.2rem; }
.text-link { font-weight:700; }
.stats-panel { padding:1.8rem; }
.stats-panel > div { padding:.95rem 0; border-bottom:1px solid rgba(148,163,184,.18); }
.stats-panel > div:last-child { border-bottom:0; }
.stats-panel span { display:block; color:var(--muted); font-size:.9rem; }
.stats-panel strong { font-size:1.05rem; color:#0f172a; }
.inner-hero { background:linear-gradient(180deg, var(--accent), #fff); }
.article-content p { font-size:1.06rem; line-height:1.8; color:#334155; margin-bottom:1.1rem; }
.article-content h2 { font-size:1.55rem; margin:2rem 0 .8rem; }
.sidebar-links, .footer-links { list-style:none; padding-left:0; }
.sidebar-links li, .footer-links li { margin:.55rem 0; }
.site-footer { background:#0f172a; color:#cbd5e1; }
.site-footer h5,.site-footer h6 { color:#fff; }
.site-footer a { color:#e2e8f0; }
.footer-bottom { border-top:1px solid rgba(255,255,255,.08); color:#94a3b8; }
.btn-primary { background:var(--primary); border-color:var(--primary); }
.btn-primary:hover { background:#0f2d49; border-color:#0f2d49; }
.btn-outline-light:hover { color:var(--primary); }
.contact-card p:last-child { margin-bottom:0; }
@media (max-width: 991.98px) {
  .topbar .container { gap:.75rem; flex-direction:column; }
  .section-heading h2 { font-size:1.7rem; }
}

/* Apply Now shared CTA styles */
.navbar-nav .btn-primary[href*="lendingpad.com"],
.nav-links a.apply-now,
.links a.apply-now {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-accent-dark: var(--green-dark, var(--secondary, var(--ink, #0f4d41)));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border-radius: 8px;
  background: var(--apply-accent);
  border: 1px solid var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-nav .btn-primary[href*="lendingpad.com"]:hover,
.navbar-nav .btn-primary[href*="lendingpad.com"]:focus,
.nav-links a.apply-now:hover,
.nav-links a.apply-now:focus,
.links a.apply-now:hover,
.links a.apply-now:focus {
  background: var(--apply-accent-dark);
  border-color: var(--apply-accent-dark);
  color: #fff;
}
.apply-now-strip {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-panel: var(--ink, var(--primary, #172126));
  padding: clamp(28px, 5vw, 56px) 0;
  background: transparent;
}
.apply-now-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: clamp(24px, 4vw, 36px);
  border-radius: 8px;
  background: var(--apply-panel);
  color: #fff;
  box-shadow: 0 18px 42px rgba(15, 23, 42, .14);
}
.apply-now-strip span {
  color: #fff;
  font-size: clamp(1.25rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.12;
}
.apply-now-page-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 8px;
  background: var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.apply-now-page-button:hover,
.apply-now-page-button:focus {
  filter: brightness(.92);
  color: #fff;
}
@media (max-width: 640px) {
  .navbar-nav .btn-primary[href*="lendingpad.com"],
  .nav-links a.apply-now,
  .links a.apply-now {
    width: 100%;
    margin-top: 6px;
  }
  .apply-now-strip .container {
    display: grid;
    gap: 16px;
    text-align: left;
  }
  .apply-now-page-button {
    width: 100%;
  }
}