:root {
  --bg: #252525;
  --bg-soft: #2f2f2f;
  --text: #fafafa;
  --muted: #cecece;
  --accent: #beff00;
  --brand: #0f22d3;
  --warn: #f1831c;
  --border: 1px solid #ffffff2a;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

body {
  background: var(--bg);
  color: var(--text);
  font-family: "SF Pro Text", "SF Pro Display", -apple-system, BlinkMacSystemFont,
    "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.55;
}

a {
  color: var(--text);
}

.page-wrap {
  min-height: 100dvh;
  display: flex;
  flex-direction: column;
}

.container {
  width: min(100% - 2rem, 1140px);
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: #1e1e1eee;
  backdrop-filter: blur(8px);
  border-bottom: var(--border);
}

.header-inner {
  min-height: 4rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.logo {
  font-family: "Smooch Sans", "Arial Narrow", Arial, sans-serif;
  font-size: 2rem;
  text-decoration: none;
  color: var(--text);
}

.top-nav {
  display: none;
  gap: 1rem;
  align-items: center;
}

.top-nav a {
  text-decoration: none;
  color: var(--text);
  opacity: 0.95;
}

.top-nav a:hover {
  color: var(--accent);
}

.menu-btn {
  width: 2.5rem;
  height: 2.5rem;
  border: var(--border);
  background: transparent;
  color: var(--text);
}

.mobile-nav {
  display: none;
  border-top: var(--border);
  background: #252525;
  padding: 0.75rem 1rem 1rem;
}

.mobile-nav.open {
  display: grid;
  gap: 0.55rem;
}

.mobile-nav a {
  text-decoration: none;
  color: var(--text);
}

.main {
  flex: 1;
  padding: 2rem 0;
}

.hero-legal {
  background: linear-gradient(120deg, #0f22d3, #252525 65%);
  border: var(--border);
  padding: 1.5rem;
}

/* Responsible Lending — larger body copy */
.responsible-page {
  font-size: 1.07rem;
  line-height: 1.62;
}

.responsible-page h1 {
  font-size: clamp(2.25rem, 6.5vw, 3.5rem);
}

.responsible-page h2 {
  font-size: clamp(1.78rem, 5.2vw, 2.65rem);
}

.responsible-page h3 {
  font-size: clamp(1.42rem, 4.2vw, 2.05rem);
}

.responsible-page p,
.responsible-page .card p {
  font-size: 1.07rem;
}

.responsible-page .hero-legal {
  padding: 1.85rem 1.9rem;
}

.responsible-page .hero-legal p {
  font-size: 1.12rem;
  line-height: 1.65;
}

.responsible-page .notice p {
  font-size: 1.08rem;
}

.responsible-page .notice h3 {
  font-size: clamp(1.38rem, 4vw, 1.95rem);
}

h1,
h2,
h3,
h4 {
  margin: 0 0 0.6rem;
  font-family: "Smooch Sans", "Arial Narrow", Arial, sans-serif;
  line-height: 1.1;
}

h1 {
  font-size: clamp(2rem, 6vw, 3.2rem);
}
h2 {
  font-size: clamp(1.6rem, 5vw, 2.5rem);
}
h3 {
  font-size: clamp(1.3rem, 4vw, 2rem);
}

p {
  margin: 0 0 0.8rem;
}

.muted {
  color: var(--muted);
}

.grid {
  display: grid;
  gap: 1rem;
}

.cards-3 {
  grid-template-columns: 1fr;
}

.card {
  border: var(--border);
  background: #2b2b2b;
  padding: 1rem;
}

.contact-info-card {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  padding: 1.15rem 1.2rem;
}

.contact-info-icon {
  flex-shrink: 0;
  display: grid;
  place-items: start;
  padding-top: 0.15rem;
  color: var(--accent);
  opacity: 0.95;
}

.contact-info-icon svg {
  display: block;
}

.contact-info-body {
  min-width: 0;
}

.contact-info-body h3 {
  margin: 0 0 0.45rem;
}

.contact-info-body p {
  margin: 0;
  line-height: 1.5;
  font-size: 0.98rem;
}

.contact-info-body a {
  color: var(--muted);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
}

.contact-info-body a:hover {
  color: var(--accent);
  border-bottom-color: rgba(190, 255, 0, 0.45);
}

.table-wrap {
  overflow-x: auto;
  border: var(--border);
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 580px;
}

th,
td {
  border-bottom: var(--border);
  padding: 0.75rem;
  text-align: left;
}

th {
  background: #1f1f1f;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 2.75rem;
  padding: 0 1rem;
  border: 1px solid transparent;
  text-decoration: none;
  font-family: "Smooch Sans", "Arial Narrow", Arial, sans-serif;
  font-size: 1.5rem;
  cursor: pointer;
}

.btn-primary {
  background: var(--accent);
  color: #181818;
}

.btn-outline {
  border-color: #ffffff66;
  color: var(--text);
  background: transparent;
}

.stack {
  display: grid;
  gap: 0.75rem;
}

.legal-doc {
  max-width: 860px;
  margin-inline: auto;
}

.legal-doc h2 {
  margin-top: 2rem;
  padding-top: 0;
  border-top: 0;
  font-size: clamp(1.35rem, 3.5vw, 1.9rem);
}

.legal-doc h2:first-of-type {
  margin-top: 0.5rem;
}

.legal-doc h3 {
  margin-top: 1.1rem;
  font-size: 1.2rem;
}

.legal-doc ul,
.legal-doc ol {
  margin: 0 0 0.85rem 1.2rem;
  padding: 0;
}

.legal-doc li {
  margin-bottom: 0.4rem;
}

.legal-doc .notice-inline {
  border-left: 3px solid var(--brand);
  padding: 0.65rem 0.85rem;
  background: #2a2a2a;
  font-size: 0.95rem;
  color: var(--muted);
}

label {
  display: grid;
  gap: 0.35rem;
  font-size: 0.95rem;
  color: var(--muted);
}

input[type="checkbox"],
input[type="radio"] {
  width: 1.1rem;
  height: 1.1rem;
  min-height: 0;
  min-width: 1.1rem;
  margin: 0;
  flex-shrink: 0;
  accent-color: var(--accent);
  cursor: pointer;
}

input,
select,
textarea {
  width: 100%;
  min-height: 2.8rem;
  background: transparent;
  color: var(--text);
  border: 1px solid #ffffff4d;
  padding: 0.55rem 0.7rem;
}

textarea {
  min-height: 7rem;
}

input::placeholder,
textarea::placeholder {
  color: #9a9a9a;
  opacity: 1;
}

.form-card {
  border: var(--border);
  background: linear-gradient(145deg, #2f2f2f, #252525);
  padding: 1.35rem 1.25rem;
}

.form-card--auth {
  max-width: 420px;
  margin-inline: auto;
}

.form-card h1 {
  margin-bottom: 0.35rem;
}

.form-field {
  display: grid;
  gap: 0.35rem;
}

.form-field > label {
  color: var(--muted);
  font-size: 0.95rem;
}

.form-check {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  margin-top: 0.15rem;
}

.form-check label {
  display: inline;
  margin: 0;
  color: var(--text);
  font-size: 0.95rem;
  cursor: pointer;
}

.form-card .btn-primary {
  width: 100%;
  margin-top: 0.35rem;
}

.form-message:empty {
  display: none;
}

.form-message:not(:empty) {
  margin: 0;
  padding: 0.75rem 0.85rem;
  border: 1px solid #ffffff2a;
  background: #1e1e1e;
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.5;
}

.centered-wrap {
  max-width: 760px;
  margin-inline: auto;
}

.notice {
  position: relative;
  overflow: hidden;
  border: 1px solid #ffffff22;
  background: linear-gradient(125deg, #2c2c2c, #1e1e1e);
  color: var(--text);
  padding: 1.15rem 1.2rem 1.2rem;
}

.notice::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--accent) 0%, var(--brand) 100%);
}

.notice h3 {
  position: relative;
  margin: 0 0 0.65rem;
  color: var(--accent);
  font-size: clamp(1.25rem, 3.5vw, 1.75rem);
}

.notice p {
  position: relative;
  margin: 0;
  color: var(--muted);
  line-height: 1.62;
}

.success-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #2f4d23;
  color: var(--accent);
  font-size: 2rem;
  margin: 0 auto 0.9rem;
}

.site-footer {
  border-top: 1px solid #ffffff14;
  background: linear-gradient(180deg, #1e1e1e 0%, #161616 100%);
  padding: 2.75rem 0 2.5rem;
  margin-top: auto;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

.footer-grid {
  display: grid;
  gap: 2rem 2.25rem;
}

.footer-col {
  min-width: 0;
}

.footer-title {
  font-family: "Smooch Sans", "Arial Narrow", Arial, sans-serif;
  font-size: 1.35rem;
  color: var(--text);
  margin: 0 0 0.85rem;
  letter-spacing: 0.02em;
}

.footer-col-brand .ssl-badge {
  margin-bottom: 1rem;
}

.footer-entity {
  margin: 0 0 1.1rem;
  font-size: 0.92rem;
  line-height: 1.5;
}

.footer-contact {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.95rem;
}

.footer-contact-row {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  line-height: 1.55;
  font-size: 0.92rem;
  color: var(--muted);
}

.footer-contact-icon {
  flex-shrink: 0;
  display: grid;
  place-items: start;
  padding-top: 0.12rem;
  color: var(--accent);
  opacity: 0.92;
}

.footer-icon {
  display: block;
}

.footer-contact-text {
  color: var(--muted);
}

.footer-contact-link {
  color: var(--muted);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
}

.footer-contact-link:hover {
  color: var(--accent);
  border-bottom-color: rgba(190, 255, 0, 0.45);
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.footer-nav a {
  display: block;
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
  line-height: 1.45;
  padding: 0.15rem 0;
  border-radius: 2px;
  transition: color 0.15s ease, transform 0.15s ease;
}

.footer-nav a:hover {
  color: var(--accent);
  transform: translateX(2px);
}

.ssl-badge {
  display: inline-flex;
  align-items: center;
  border: 1px solid #ffffff44;
  padding: 0.4rem 0.75rem;
  font-size: 0.82rem;
  letter-spacing: 0.03em;
  color: var(--muted);
  border-radius: 4px;
  background: #22222280;
}

.footer-legal-block {
  border-top: 1px solid #ffffff12;
  padding-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.35rem;
}

.footer-disclaimer {
  color: var(--muted);
  font-size: 0.84rem;
  line-height: 1.7;
}

.footer-disclaimer p {
  margin: 0 0 1rem;
}

.footer-disclaimer p:last-child {
  margin-bottom: 0;
}

.footer-copyright {
  margin: 0;
  padding-top: 1.25rem;
  border-top: 1px solid #ffffff0d;
  text-align: center;
  font-size: 0.8rem;
  letter-spacing: 0.04em;
  color: #9a9a9a;
}

@media (min-width: 900px) {
  .top-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-end;
    row-gap: 0.35rem;
  }
  .menu-btn {
    display: none;
  }
  .cards-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  .footer-grid {
    grid-template-columns: 1.25fr 1fr 1fr 1fr;
    align-items: start;
    gap: 2.5rem 2rem;
  }
}