:root{
  --navy:#00142E;--navy-2:#001A3C;--navy-3:#00224E;--navy-deep:#000B1C;--navy-line:#122E56;
  --gold:#ECBA50;--gold-2:#F6C65B;--gold-3:#D5A03D;--gold-dim:rgba(236,186,80,.14);
  --plat:#F4F3F3;--plat-2:#DDE3EC;
  --ink:#0A1526;--white:#fff;--paper:#F7F9FC;
  --txt:#0A1526;--txt-2:#4A5668;--txt-3:#7C899B;
  --line:#E2E8F1;
  --r:18px;--maxw:1200px;
}
:root{--navy-3:#00224E;--navy-line:#122E56}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--txt);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{text-decoration:none;color:inherit}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
h1,h2,h3{font-family:'Cormorant Garamond',serif;font-weight:600;line-height:1.03;letter-spacing:-0.01em}
em{font-style:italic}
.gold-txt{color:var(--gold-3)}

/* LOGO */
.logo{display:flex;align-items:center;flex-shrink:0}
.logo-img{height:46px;width:auto;display:block}
.foot-logo-img{height:58px}
@media(max-width:760px){.logo-img{height:38px}}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100;transition:.35s}
.nav-in{max-width:var(--maxw);margin:14px auto 0;padding:9px 12px 9px 20px;display:flex;align-items:center;justify-content:space-between;background:rgba(0,20,46,.72);backdrop-filter:blur(20px) saturate(160%);border:1px solid rgba(236,186,80,.18);border-radius:100px;box-shadow:0 10px 40px -18px rgba(0,11,28,.7);transition:.35s}
nav.scrolled .nav-in{background:rgba(0,20,46,.94);border-color:rgba(236,186,80,.3)}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{font-size:14px;color:rgba(255,255,255,.75);font-weight:500;transition:.2s;letter-spacing:.01em}
.nav-links a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--gold-2),var(--gold-3));color:var(--navy);padding:12px 24px;border-radius:100px;font-weight:700;font-size:14px;transition:.3s cubic-bezier(.2,.8,.2,1);border:none;cursor:pointer;letter-spacing:.01em}
.btn:hover{transform:translateY(-2px);box-shadow:0 14px 34px -10px rgba(236,186,80,.5)}
.btn-lg{padding:16px 32px;font-size:16px}
.btn-out{background:transparent;color:var(--gold);border:1px solid rgba(236,186,80,.45)}
.btn-out:hover{background:var(--gold-dim);box-shadow:none}
.menu-btn{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:6px}
.menu-btn span{width:22px;height:2px;background:var(--gold);border-radius:2px;transition:.3s}

/* HERO */
.hero{background:var(--navy);color:#fff;padding:172px 0 96px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(1000px 600px at 82% -8%,rgba(236,186,80,.13),transparent 58%),radial-gradient(800px 600px at -10% 105%,rgba(0,60,140,.35),transparent 55%)}
.hero-mesh{position:absolute;inset:0;opacity:.35;background-image:linear-gradient(rgba(255,255,255,.028) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.028) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(700px 500px at 60% 40%,#000,transparent 75%)}
.orb{position:absolute;border-radius:50%;filter:blur(70px)}
.orb-g{width:400px;height:400px;background:radial-gradient(circle,rgba(236,186,80,.3),transparent 70%);top:-90px;right:4%;animation:float 15s ease-in-out infinite}
.orb-b{width:340px;height:340px;background:radial-gradient(circle,rgba(50,120,220,.28),transparent 70%);bottom:-90px;left:-50px;animation:float 19s ease-in-out infinite reverse}
@keyframes float{0%,100%{transform:translate(0,0)}50%{transform:translate(32px,-28px)}}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;position:relative}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);background:var(--gold-dim);border:1px solid rgba(236,186,80,.28);padding:8px 16px;border-radius:100px;margin-bottom:26px}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(236,186,80,.6)}70%{box-shadow:0 0 0 8px transparent}100%{box-shadow:0 0 0 0 transparent}}
h1.hero-h{font-size:clamp(50px,7vw,92px);font-weight:600;color:#fff;letter-spacing:-0.015em}
.hero-h .gold{background:linear-gradient(135deg,var(--gold-2),var(--gold-3));-webkit-background-clip:text;background-clip:text;color:transparent;font-style:italic}
.hero-h .lol{display:inline-block;font-family:'Inter';font-weight:800;font-size:.4em;color:rgba(255,255,255,.42);letter-spacing:-0.02em;transform:rotate(-5deg);transition:.35s;vertical-align:middle}
.hero-h .lol:hover{transform:rotate(5deg) scale(1.1);color:var(--gold)}
.hero .sub{font-size:18.5px;color:rgba(255,255,255,.68);margin:28px 0 36px;max-width:490px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-trust{display:flex;gap:36px;margin-top:46px;flex-wrap:wrap;padding-top:32px;border-top:1px solid rgba(255,255,255,.1)}
.hero-trust div{display:flex;flex-direction:column}
.hero-trust b{font-family:'Cormorant Garamond',serif;font-size:34px;color:var(--gold);font-weight:600;line-height:1}
.hero-trust span{font-size:12px;color:rgba(255,255,255,.5);margin-top:5px;letter-spacing:.03em}

/* RATE CARD */
.rate-card{position:relative;background:linear-gradient(160deg,rgba(255,255,255,.07),rgba(255,255,255,.02));backdrop-filter:blur(24px);border:1px solid rgba(236,186,80,.24);border-radius:24px;padding:30px;box-shadow:0 40px 90px -40px rgba(0,0,0,.75);overflow:hidden}
.rate-card::before{content:"";position:absolute;top:0;left:10%;right:10%;height:1px;background:linear-gradient(90deg,transparent,rgba(236,186,80,.6),transparent)}
.rc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}
.rc-live{display:inline-flex;align-items:center;gap:7px;font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.rc-live .live-dot{width:7px;height:7px;border-radius:50%;background:#3ddc84;animation:livepulse 1.8s infinite}
@keyframes livepulse{0%{box-shadow:0 0 0 0 rgba(61,220,132,.6)}70%{box-shadow:0 0 0 7px transparent}100%{box-shadow:0 0 0 0 transparent}}
.rc-date{font-size:11.5px;color:rgba(255,255,255,.45)}
.rc-main{display:flex;align-items:flex-end;gap:13px;margin-bottom:5px}
.rc-rate{font-family:'Cormorant Garamond',serif;font-size:72px;font-weight:600;line-height:.85;color:#fff;letter-spacing:-0.02em}
.rc-rate sup{font-size:26px;color:var(--gold);top:-.85em}
.rc-delta{display:inline-flex;align-items:center;gap:4px;font-size:12px;font-weight:700;padding:5px 10px;border-radius:100px;margin-bottom:10px}
.rc-delta.down{color:#3ddc84;background:rgba(61,220,132,.14)}
.rc-delta.up{color:#ff8a80;background:rgba(255,138,128,.14)}
.rc-delta.flat{color:rgba(255,255,255,.5);background:rgba(255,255,255,.08)}
.rc-label{font-size:12.5px;color:rgba(255,255,255,.45);margin-bottom:20px;letter-spacing:.02em}
.rc-rows{border-top:1px solid rgba(255,255,255,.1);padding-top:4px}
.rc-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;font-size:14px;border-bottom:1px solid rgba(255,255,255,.06)}
.rc-row:last-child{border-bottom:none}
.rc-row .k{color:rgba(255,255,255,.55)}
.rc-row .v{font-weight:600;font-family:'Cormorant Garamond',serif;font-size:19px;color:#fff}
.rc-foot{margin-top:16px;display:flex;gap:8px;font-size:10.5px;color:rgba(255,255,255,.38);line-height:1.45}
.rc-foot svg{flex-shrink:0;margin-top:2px;opacity:.6}
.skel{display:inline-block;background:linear-gradient(90deg,rgba(255,255,255,.06),rgba(255,255,255,.16),rgba(255,255,255,.06));background-size:200% 100%;animation:shimmer 1.4s infinite;border-radius:6px;color:transparent}
@keyframes shimmer{0%{background-position:200% 0}100%{background-position:-200% 0}}

/* RENOFI STRIP */
.strip{padding:26px 0;background:var(--navy-deep);border-top:1px solid rgba(236,186,80,.14)}
.strip-in{display:flex;align-items:center;justify-content:center;gap:26px;flex-wrap:wrap}
.strip-in .rf{display:inline-flex;align-items:center;gap:11px;font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:600}
.strip-in .rf b{color:var(--gold);font-weight:700;letter-spacing:.16em}
.rule{width:44px;height:1px;background:linear-gradient(90deg,transparent,var(--gold))}
.rule.r{background:linear-gradient(90deg,var(--gold),transparent)}
.strip-items{display:flex;gap:30px;flex-wrap:wrap;justify-content:center}
.strip-items span{font-family:'Cormorant Garamond',serif;font-size:16px;color:rgba(255,255,255,.55);font-weight:500;letter-spacing:.03em}

/* SECTIONS */
section.blk{padding:108px 0}
.sec-head{max-width:660px;margin-bottom:56px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-3);margin-bottom:16px}
.sec-eyebrow::before{content:"";width:26px;height:1px;background:var(--gold-3)}
.sec-head.center .sec-eyebrow::after{content:"";width:26px;height:1px;background:var(--gold-3)}
.sec-head h2{font-size:clamp(38px,4.8vw,60px)}
.sec-head p{font-size:17.5px;color:var(--txt-2);margin-top:18px}
.on-navy .sec-head h2{color:#fff}
.on-navy .sec-head p{color:rgba(255,255,255,.6)}
.on-navy .sec-eyebrow{color:var(--gold)}
.on-navy .sec-eyebrow::before,.on-navy .sec-eyebrow::after{background:var(--gold)}

/* LOANS */
.loans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.loan{position:relative;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:.35s cubic-bezier(.2,.8,.2,1);overflow:hidden}
.loan::after{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold-2),var(--gold-3));transform:scaleX(0);transform-origin:left;transition:.4s}
.loan:hover{transform:translateY(-6px);box-shadow:0 30px 60px -30px rgba(0,20,46,.35);border-color:rgba(236,186,80,.4)}
.loan:hover::after{transform:scaleX(1)}
.loan .lic{width:50px;height:50px;border-radius:13px;background:var(--navy);display:grid;place-items:center;margin-bottom:18px;transition:.35s}
.loan:hover .lic{background:linear-gradient(135deg,var(--gold-2),var(--gold-3))}
.loan:hover .lic svg path,.loan:hover .lic svg circle{stroke:var(--navy)}
.loan h3{font-size:24px;margin-bottom:8px}
.loan p{font-size:14.5px;color:var(--txt-2)}
.loan .tag{position:absolute;top:26px;right:26px;font-size:9.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);background:linear-gradient(135deg,var(--gold-2),var(--gold-3));padding:5px 10px;border-radius:100px}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{position:relative;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:var(--r);padding:36px;transition:.35s;backdrop-filter:blur(10px)}
.step:hover{transform:translateY(-6px);border-color:rgba(236,186,80,.45);background:rgba(255,255,255,.06)}
.step-num{font-family:'Cormorant Garamond',serif;font-weight:700;font-size:20px;color:var(--navy);background:linear-gradient(135deg,var(--gold-2),var(--gold-3));width:48px;height:48px;border-radius:50%;display:grid;place-items:center;margin-bottom:24px;box-shadow:0 10px 26px -8px rgba(236,186,80,.5)}
.step h3{font-size:26px;margin-bottom:11px;color:#fff}
.step p{color:rgba(255,255,255,.6);font-size:15px}

/* RENOFI FEATURE */
.reno{background:var(--navy);border-radius:26px;padding:0;overflow:hidden;display:grid;grid-template-columns:1.1fr .9fr;position:relative;border:1px solid rgba(236,186,80,.22)}
.reno::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 85% 15%,rgba(236,186,80,.16),transparent 60%)}
.reno-l{padding:56px;position:relative}
.reno-badge{display:inline-flex;align-items:center;gap:9px;font-size:10.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);border:1px solid rgba(236,186,80,.35);padding:7px 15px;border-radius:100px;margin-bottom:24px}
.reno-l h2{font-size:clamp(34px,3.6vw,46px);color:#fff;margin-bottom:18px}
.reno-l h2 em{color:var(--gold);font-style:italic}
.reno-l p{color:rgba(255,255,255,.65);font-size:16.5px;margin-bottom:14px}
.reno-list{display:grid;gap:11px;margin:26px 0 30px}
.reno-list div{display:flex;gap:11px;align-items:flex-start;color:rgba(255,255,255,.78);font-size:15px}
.reno-list svg{flex-shrink:0;margin-top:4px}
.reno-r{position:relative;display:grid;place-items:center;padding:40px;background:linear-gradient(160deg,rgba(236,186,80,.08),transparent)}
.reno-stat{text-align:center}
.reno-stat .rs-big{font-family:'Cormorant Garamond',serif;font-size:82px;font-weight:600;line-height:1;background:linear-gradient(135deg,var(--gold-2),var(--gold-3));-webkit-background-clip:text;background-clip:text;color:transparent}
.reno-stat .rs-lab{color:rgba(255,255,255,.55);font-size:14px;margin-top:8px;letter-spacing:.02em}
.reno-stat .rs-div{width:60px;height:1px;background:rgba(236,186,80,.4);margin:26px auto}

/* BENTO */
.bento{display:grid;grid-template-columns:1.4fr 1fr;gap:18px}
.bento-col{display:grid;gap:18px}
.card{border-radius:var(--r);padding:38px;position:relative;overflow:hidden;transition:.35s}
.card:hover{transform:translateY(-4px)}
.card-navy{background:linear-gradient(155deg,var(--navy-2),var(--navy-deep));color:#fff;border:1px solid rgba(236,186,80,.18)}
.card-navy::before{content:"";position:absolute;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(236,186,80,.2),transparent 65%);top:-130px;right:-90px}
.card-navy h3{font-size:29px;margin-bottom:13px;position:relative}
.card-navy p{color:rgba(255,255,255,.62);font-size:15.5px;position:relative}
.card-gold{background:linear-gradient(140deg,var(--gold-2),var(--gold-3));color:var(--navy)}
.card-gold::before{content:"";position:absolute;width:210px;height:210px;border-radius:50%;background:rgba(255,255,255,.16);bottom:-80px;left:-45px}
.card-gold h3{font-size:26px;margin-bottom:10px;position:relative}
.card-gold p{color:rgba(0,20,46,.75);font-size:15px;position:relative;font-weight:500}
.card-light{background:var(--paper);border:1px solid var(--line)}
.card-light h3{font-size:25px;margin-bottom:10px}
.card-light p{color:var(--txt-2);font-size:15px}
.card .big{font-family:'Cormorant Garamond',serif;font-size:72px;font-weight:600;line-height:1;margin-bottom:6px;position:relative;background:linear-gradient(135deg,var(--gold-2),var(--gold-3));-webkit-background-clip:text;background-clip:text;color:transparent}
.card-icon{width:52px;height:52px;border-radius:14px;background:rgba(236,186,80,.14);display:grid;place-items:center;margin-bottom:20px;position:relative}
.card-gold .card-icon{background:rgba(0,20,46,.12)}
.card-light .card-icon{background:var(--navy)}

/* TESTIMONIALS */
.tgrid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.quote{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:34px;display:flex;flex-direction:column;gap:18px;transition:.35s;position:relative}
.quote::before{content:"\201C";position:absolute;top:10px;right:26px;font-family:'Cormorant Garamond',serif;font-size:90px;color:rgba(236,186,80,.18);line-height:1}
.quote:hover{transform:translateY(-5px);box-shadow:0 30px 60px -32px rgba(0,20,46,.3);border-color:rgba(236,186,80,.4)}
.stars{display:flex;gap:3px;color:var(--gold-3);position:relative;font-size:15px}
.quote p{font-size:15.5px;color:var(--txt-2);flex:1;position:relative}
.q-person{display:flex;align-items:center;gap:13px}
.q-av{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:600;font-family:'Cormorant Garamond',serif;font-size:18px}
.q-person b{font-size:15px;display:block}
.q-person span{font-size:12.5px;color:var(--txt-3)}

/* CTA */
.cta-band{background:linear-gradient(155deg,var(--navy-2),var(--navy-deep));border-radius:28px;padding:78px 56px;text-align:center;position:relative;overflow:hidden;border:1px solid rgba(236,186,80,.22)}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 360px at 50% -25%,rgba(236,186,80,.24),transparent 65%)}
.cta-band .orb-c{position:absolute;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(236,186,80,.28),transparent 70%);filter:blur(50px);bottom:-110px;right:8%}
.cta-band h2{color:#fff;font-size:clamp(38px,4.8vw,58px);position:relative}
.cta-band h2 .gold{background:linear-gradient(135deg,var(--gold-2),var(--gold-3));-webkit-background-clip:text;background-clip:text;color:transparent;font-style:italic}
.cta-band h2 .lol{color:rgba(255,255,255,.35);font-family:'Inter';font-weight:800;font-size:.4em;display:inline-block;transform:rotate(-5deg);vertical-align:middle}
.cta-band p{color:rgba(255,255,255,.6);font-size:17.5px;margin:20px auto 34px;max-width:470px;position:relative}
.cta-band .btn{position:relative}

/* FOOTER */
footer{background:var(--navy-deep);color:#fff;padding:48px 0 0}
.foot-in{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;padding-bottom:32px}
.foot-nav{display:flex;gap:26px;flex-wrap:wrap}
.foot-nav a{font-size:14px;color:rgba(255,255,255,.6);transition:.2s}
.foot-nav a:hover{color:var(--gold)}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 28px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:11.5px;color:rgba(255,255,255,.4)}
.foot-legal .nmls{max-width:700px;line-height:1.55}
.foot-legal a{color:var(--gold);opacity:.8}

.rv{opacity:0;transform:translateY(28px);transition:.85s cubic-bezier(.2,.7,.3,1)}
.rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.09s}.rv.d2{transition-delay:.18s}.rv.d3{transition-delay:.27s}

@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:44px}.rate-card{max-width:460px}.loans-grid{grid-template-columns:1fr 1fr}.steps,.tgrid3{grid-template-columns:1fr}.bento{grid-template-columns:1fr}.reno{grid-template-columns:1fr}.reno-l{padding:40px}.reno-r{padding:0 40px 44px}}
@media(max-width:760px){.nav-links{display:none}.menu-btn{display:flex}.nav-links.open{display:flex;position:absolute;top:74px;left:14px;right:14px;background:rgba(0,20,46,.97);backdrop-filter:blur(20px);flex-direction:column;padding:26px;gap:20px;border:1px solid rgba(236,186,80,.24);border-radius:22px}.loans-grid{grid-template-columns:1fr}section.blk{padding:74px 0}.cta-band{padding:54px 26px}.hero{padding:140px 0 70px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}