/* BallastHolm - warm granite + cold harbour blue. Ballast stone: weight that steadies. Square corners, heavy rules. */
:root{
  --bg:#F5F3EF;--card:#FFFFFF;--ink:#201C17;--text:#2E2821;--muted:#5E564C;
  --accent:#2F7D8C;--accent-deep:#1F5D6B;--accent-tint:#E4EDEF;--accent-lite:#8FD0DD;--accent-pale:#CBE8EF;
  --line:#E3DFD7;--r:0px;
  --stone:#6B6257;--stone-deep:#4C453C;--stone-lite:#8A8175;--tint1:#E5E0D8;--tint2:#CAC2B6;
  --foot-bg:#201C17;--foot-text:#D8D2C8;--foot-link:#67BACB;--dim:#C9C2B6;
  --fd:"Domine",Georgia,serif;--fb:"Assistant",system-ui,sans-serif;--wrap:1140px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.62;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.18;margin:0;font-weight:600}
p,ul{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#F5F3EF;padding:9px 14px;z-index:60;border-radius:var(--r)}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fb);font-weight:700;font-size:12px;letter-spacing:.17em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--fb);font-weight:700;font-size:16px;letter-spacing:.01em;padding:15px 28px;border:2px solid transparent;border-radius:var(--r);text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.btn-primary{background:var(--accent);color:var(--cta-text,#FFFFFF);border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--stone)}
.btn-ghost:hover{background:var(--tint1)}

/* header - wordmark + stacked stones left, thick granite rule under, nav right */
.mast{background:var(--bg);border-bottom:6px solid var(--stone)}
.mast-in{display:flex;align-items:center;gap:26px;height:74px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:11px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:600;font-size:23px;letter-spacing:-.015em;color:var(--ink);text-decoration:none}
.wm b{font-weight:700;color:var(--accent-deep)}
.nav{display:flex;align-items:center;gap:28px;margin-left:auto}
.nav a{font-family:var(--fb);font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover{border-bottom-color:var(--accent)}
.nb{display:none;width:44px;height:44px;margin-left:auto;border:2px solid var(--stone);background:transparent;border-radius:var(--r);flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:18px;height:2px;background:var(--ink)}
@media(max-width:860px){
  .mast-in{height:66px;gap:14px}
  .nav{display:none;position:absolute;top:60px;left:0;right:0;background:var(--card);border:1px solid var(--line);border-top:4px solid var(--stone);flex-direction:column;align-items:stretch;gap:0;padding:0;margin:0;z-index:20}
  .nav.open{display:flex}
  .nav a{padding:14px 18px;border:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
  .nb{display:inline-flex}
}

/* hero - letterbox stone band under the header, card below it on the stone tint */
.hero{background:var(--tint1);padding:0 0 64px}
.shorebar{display:block;width:100%;margin:0;aspect-ratio:3.5/1;max-height:190px;overflow:hidden;background:var(--tint2);border-bottom:1px solid var(--tint2)}
.shorebar img{width:100%;height:100%;object-fit:cover;object-position:center 56%}
.hero-in{padding-top:34px;text-align:center}
.hero-eyebrow{margin-bottom:18px}
.form-card{position:relative;width:100%;max-width:var(--card-max,840px);margin:0 auto;background:var(--card);border:1px solid var(--line);border-top:6px solid var(--stone);border-radius:0;box-shadow:none;padding:26px 26px 20px;text-align:left}
.form-card__head h2{font-family:var(--fd);font-weight:600;font-size:25px;letter-spacing:-.012em;color:var(--ink)}
.form-card__head p{margin-top:6px;color:var(--muted);font-size:14.5px}
.form-host{margin-top:16px}
.form-card__trust{margin-top:16px;padding-top:13px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.55}
:root{--card-max:840px;--cta-text:#FFFFFF}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 30px;margin:26px auto 0;padding:0;list-style:none;max-width:880px}
.ticks li{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:14.5px;color:var(--ink)}
.ticks svg{width:17px;height:17px;flex:0 0 17px}
.hero h1{font-size:clamp(29px,4.4vw,46px);letter-spacing:-.018em;max-width:820px;margin:36px auto 0}
.hero .sub{max-width:660px;margin:15px auto 0;font-size:17.5px;color:var(--text)}
@media(max-width:600px){
  .shorebar{aspect-ratio:3/1}
  .hero{padding-bottom:46px}
  .hero-in{padding-top:26px}
  .hero-eyebrow{font-size:11px;letter-spacing:.13em;margin-bottom:15px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:20px 15px 16px}
  .form-card__head h2{font-size:22px}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;justify-items:start;margin-top:22px}
  .ticks li{font-size:13.5px;text-align:left}
  .hero h1{margin-top:30px}
}

/* recognition - stacked slabs of decreasing width on deep granite */
.recognition{background:var(--stone-deep);color:#F5F3EF;padding:78px 0}
.recognition .eyebrow{color:var(--accent-lite)}
.recognition h2{color:#FFFFFF;font-size:clamp(26px,3.3vw,36px);margin-top:12px;letter-spacing:-.015em;max-width:720px}
.frags{list-style:none;margin:30px 0 0;padding:0;max-width:900px}
.frags li{background:rgba(245,243,239,.08);border-left:7px solid var(--accent);padding:15px 22px;margin-top:9px;font-family:var(--fd);font-weight:500;font-size:clamp(18px,2.4vw,25px);line-height:1.3;color:#F5F3EF}
.frags li:nth-child(2){max-width:93%}
.frags li:nth-child(3){max-width:86%}
.frags li:nth-child(4){max-width:79%}
.frags li:nth-child(5){max-width:72%}
.recog-close{margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px 34px;padding-top:26px;border-top:1px solid rgba(245,243,239,.2)}
.recog-close p{max-width:680px;color:#E6E1D9;font-size:16.5px}
.recog-close .btn-primary{background:var(--accent);border-color:var(--accent)}
.recog-close .btn-primary:hover{background:var(--accent-lite);border-color:var(--accent-lite);color:var(--ink)}
@media(max-width:700px){
  .recognition{padding:60px 0}
  .frags li{max-width:none;font-size:19px;padding:13px 17px}
  .frags li:nth-child(2),.frags li:nth-child(3),.frags li:nth-child(4),.frags li:nth-child(5){max-width:none}
}

/* how it works - three heavy stone blocks in one row, the numeral cut into the block */
.how{padding:88px 0 84px}
.sec-head{max-width:760px}
.sec-head h2{font-size:clamp(27px,3.5vw,38px);margin-top:11px;letter-spacing:-.015em}
.sec-head p{margin-top:13px;color:var(--muted);font-size:17px}
.blocks{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;margin-top:40px}
.blk{background:var(--stone);color:#FFFFFF;padding:28px 26px 30px;border-top:6px solid var(--stone-deep);position:relative;overflow:hidden}
.blk .cut{display:block;font-family:var(--fd);font-weight:700;font-size:70px;line-height:.9;letter-spacing:-.04em;color:var(--stone-lite);margin:0 0 16px;text-shadow:0 1px 0 rgba(255,255,255,.18)}
.blk h3{color:#FFFFFF;font-size:21px;letter-spacing:-.01em}
.blk p{margin-top:9px;color:#EDE8E0;font-size:15.8px}
.blk .out{margin-top:18px;padding-top:13px;border-top:1px solid rgba(245,243,239,.24);font-weight:700;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-pale);line-height:1.5}
@media(max-width:860px){
  .how{padding:62px 0 58px}
  .blocks{grid-template-columns:1fr;gap:3px}
  .blk{padding:24px 20px 26px}
  .blk .cut{font-size:54px;margin-bottom:12px}
}

/* why - shoreline artwork beside the trio, on the cold harbour tint */
.why{background:var(--accent-tint);padding:86px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.why-grid{display:grid;grid-template-columns:1.02fr 1fr;gap:58px;align-items:center}
.art{width:100%;border:1px solid var(--tint2)}
.why h2{font-size:clamp(27px,3.5vw,38px);margin-top:11px;letter-spacing:-.015em}
.why-lead{margin-top:14px;color:var(--muted);font-size:17px}
.trio{list-style:none;margin:26px 0 0;padding:0}
.trio li{display:grid;grid-template-columns:30px 1fr;gap:16px;padding:18px 0;border-top:2px solid var(--tint2)}
.trio li:last-child{border-bottom:2px solid var(--tint2)}
.trio .st{width:30px;height:30px;flex:0 0 30px;margin-top:4px}
.trio h3{font-size:19px;letter-spacing:-.008em}
.trio p{margin-top:7px;color:var(--muted);font-size:15.8px}
@media(max-width:920px){
  .why{padding:62px 0}
  .why-grid{grid-template-columns:1fr;gap:34px}
  .art{max-width:560px;margin:0 auto}
}

/* statement band - the shoreline photo under a granite-ink veil */
.statement-band{position:relative;overflow:hidden;background:var(--ink);color:#F5F3EF}
.statement-band .bandimg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.statement-band .veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(32,28,23,.95) 0%,rgba(32,28,23,.9) 44%,rgba(32,28,23,.4) 100%)}
.statement-in{position:relative;z-index:1;padding:102px 0;max-width:640px}
.statement-band .eyebrow{color:var(--accent-lite)}
.statement-band h2{color:#FFFFFF;font-size:clamp(28px,3.9vw,42px);margin-top:12px;letter-spacing:-.018em}
.statement-band p{margin-top:16px;color:#E9E4DB;font-size:17.5px;max-width:540px}
.band-link{display:inline-flex;align-items:center;gap:9px;margin-top:26px;font-weight:700;font-size:15px;color:var(--accent-lite);text-decoration:none;border-bottom:2px solid rgba(143,208,221,.5);padding-bottom:4px}
.band-link:hover{border-bottom-color:var(--accent-lite)}
@media(max-width:760px){
  .statement-band .veil{background:linear-gradient(180deg,rgba(32,28,23,.92) 0%,rgba(32,28,23,.88) 100%)}
  .statement-in{padding:64px 0}
}

/* faq - full-width question blocks with a thick accent bar, answers inset beneath */
.faq{padding:88px 0 84px}
.qa-list{margin-top:34px}
.qa{margin-top:14px}
.qa h3{background:var(--tint1);border-left:8px solid var(--accent);padding:16px 22px;font-size:19.5px;line-height:1.35;letter-spacing:-.008em}
.qa p{margin:0;padding:14px 22px 2px 30px;color:var(--text);font-size:16.5px;max-width:900px}
@media(max-width:760px){
  .faq{padding:60px 0 56px}
  .qa h3{font-size:18px;padding:14px 16px;border-left-width:6px}
  .qa p{padding:12px 4px 2px 22px;font-size:16px}
}

/* closing band */
.close{background:var(--stone);color:#FFFFFF;padding:76px 0;border-top:6px solid var(--stone-deep)}
.close .eyebrow{color:var(--accent-pale)}
.close-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.close h2{color:#FFFFFF;font-size:clamp(27px,3.5vw,38px);margin-top:11px;letter-spacing:-.015em}
.close p{margin-top:11px;color:#EDE8E0;max-width:620px}
.close .btn-primary{background:#FFFFFF;color:var(--ink);border-color:#FFFFFF}
.close .btn-primary:hover{background:var(--accent-pale);border-color:var(--accent-pale);color:var(--ink)}
@media(max-width:760px){.close{padding:58px 0}.close-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:60px 0 42px;font-size:14px;border-top:6px solid var(--stone)}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 44px;align-items:start;padding-bottom:26px;border-bottom:1px solid rgba(216,210,200,.18)}
.foot .brand .mark{width:26px;height:26px;flex:0 0 26px}
.foot .wm{color:#F5F3EF}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:11px;color:var(--dim);max-width:540px;font-size:14.5px}
.foot-right{display:flex;flex-direction:column;align-items:flex-end;gap:14px}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fb);font-weight:700;font-size:15px;text-decoration:none;border-bottom:2px solid rgba(103,186,203,.45);padding-bottom:3px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.foot-nav{display:flex;flex-wrap:wrap;gap:6px 20px;justify-content:flex-end}
.foot-nav a{color:var(--foot-text);text-decoration:none;font-weight:600;font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.foot-nav a:hover{color:var(--foot-link)}
.legal-links{margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-weight:600;font-size:14px;line-height:1.5}
.legal-links a:hover{color:var(--foot-link);text-decoration:underline;text-underline-offset:3px}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(216,210,200,.18)}
.disc p{color:var(--dim);line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#F5F3EF;font-weight:700}
.disc a{color:var(--foot-link);text-decoration:underline;text-underline-offset:3px}
@media(max-width:760px){
  .foot-top{grid-template-columns:1fr}
  .foot-right{align-items:flex-start}
  .foot-nav{justify-content:flex-start}
}

/* subpage prose - how it works, contact, privacy, terms, unsubscribe, do not sell, 404 */
.sub main{background:var(--bg)}
.prose{max-width:720px;padding:56px 22px 90px}
.prose h1{font-size:clamp(31px,4.2vw,42px);letter-spacing:-.018em}
.prose p.updated{margin-top:11px;font-family:var(--fb);font-weight:700;font-size:12.5px;letter-spacing:.15em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:22px;margin-top:38px;padding-top:20px;border-top:3px solid var(--tint1);letter-spacing:-.012em}
.prose p{margin-top:14px;line-height:1.72;color:var(--text)}
.prose strong{color:var(--ink);font-weight:700}
.prose ul{margin:14px 0 0;padding:0 0 0 22px}
.prose ul>li{margin-top:8px;line-height:1.68;padding-left:4px;color:var(--text)}
.prose ul>li::marker{color:var(--accent)}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose a.btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose a.btn.btn-primary{background:var(--accent);color:var(--cta-text,#FFFFFF);border-color:var(--accent)}
.prose a.btn.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.prose a.btn.btn-ghost{background:transparent;color:var(--ink);border-color:var(--stone)}
.prose a.btn.btn-ghost:hover{background:var(--tint1)}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}