:root {
  --ink: #101722;
  --ink-soft: #26364a;
  --navy: #06285f;
  --blue: #0a48a8;
  --blue-bright: #1769e8;
  --green: #54d318;
  --green-deep: #319900;
  --mist: #eef6fb;
  --cloud: #f7fbff;
  --white: #ffffff;
  --line: rgba(14, 31, 54, 0.12);
  --shadow: 0 24px 70px rgba(6, 40, 95, 0.16);
  --max-width: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-height: 100vh;
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background:
    linear-gradient(115deg, rgba(84, 211, 24, 0.08), transparent 32%),
    linear-gradient(180deg, #f8fcff 0%, #ffffff 42%, #eef6fb 100%);
  overflow-x: hidden;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(6, 40, 95, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(6, 40, 95, 0.045) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.85), transparent 72%);
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select {
  font: inherit;
}

.site-shell {
  width: min(var(--max-width), calc(100% - 40px));
  margin: 0 auto;
}

.skip-link {
  position: fixed;
  left: 16px;
  top: 16px;
  z-index: 100;
  transform: translateY(-160%);
  padding: 10px 14px;
  color: var(--white);
  background: var(--navy);
  border-radius: 6px;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  padding: 0 0 16px;
  background: rgba(248, 252, 255, 0.86);
  border-bottom: 1px solid rgba(6, 40, 95, 0.08);
  backdrop-filter: blur(16px);
}

.contact-banner {
  margin-bottom: 16px;
  color: var(--white);
  background: var(--navy);
}

.contact-banner-inner {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 12px 26px;
  min-height: 38px;
  flex-wrap: wrap;
}

.contact-banner a {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.83rem;
  font-weight: 750;
}

.contact-banner a:hover,
.contact-banner a:focus-visible {
  color: #9dff73;
}

.contact-banner span {
  color: #9dff73;
  font-weight: 900;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--navy);
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border: 2px solid rgba(84, 211, 24, 0.8);
  border-radius: 8px;
  font-weight: 900;
  letter-spacing: 0;
}

.brand strong,
.brand small {
  display: block;
  line-height: 1;
}

.brand strong {
  font-size: 1.05rem;
  letter-spacing: 0;
}

.brand small {
  margin-top: 4px;
  color: var(--green-deep);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.2em;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.nav-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  padding: 0;
  color: var(--navy);
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 6px;
  cursor: pointer;
}

.nav-toggle span:first-child {
  position: relative;
  display: block;
  width: 20px;
  height: 2px;
  background: currentColor;
}

.nav-toggle span:first-child::before,
.nav-toggle span:first-child::after {
  content: "";
  position: absolute;
  left: 0;
  width: 20px;
  height: 2px;
  background: currentColor;
  transition: transform 160ms ease;
}

.nav-toggle span:first-child::before {
  top: -6px;
}

.nav-toggle span:first-child::after {
  top: 6px;
}

.nav-links {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 6px;
  flex-wrap: wrap;
}

.nav-links a {
  padding: 10px 12px;
  color: var(--ink-soft);
  border-radius: 6px;
  font-size: 0.94rem;
  font-weight: 750;
}

.nav-links a:hover,
.nav-links a:focus-visible {
  color: var(--blue);
  background: rgba(23, 105, 232, 0.08);
  outline: none;
}

.nav-links .nav-contact {
  color: var(--white);
  background: linear-gradient(135deg, var(--green-deep), var(--green));
  box-shadow: 0 10px 24px rgba(49, 153, 0, 0.22);
}

.nav-links .nav-contact:hover,
.nav-links .nav-contact:focus-visible {
  color: var(--white);
  background: var(--green-deep);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 92px 0 76px;
}

.why-hero {
  position: relative;
  overflow: hidden;
  padding: 92px 0 84px;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(84, 211, 24, 0.16), transparent 34%),
    linear-gradient(145deg, #06162f 0%, #06285f 54%, #0a48a8 100%);
}

.why-hero::after {
  content: "";
  position: absolute;
  right: -160px;
  top: 34px;
  width: 560px;
  height: 560px;
  border: 1px solid rgba(157, 255, 115, 0.18);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.04);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 84%;
  background:
    linear-gradient(135deg, rgba(6, 40, 95, 0.96), rgba(8, 54, 126, 0.9) 58%, rgba(84, 211, 24, 0.22)),
    url("assets/images/nxgen-capital-logo.jpg");
  background-size: cover, 680px auto;
  background-position: center, right 7vw top 34px;
  background-repeat: no-repeat;
  clip-path: polygon(0 0, 100% 0, 100% 88%, 0 100%);
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 48px;
  align-items: center;
}

.why-hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 48px;
  align-items: center;
}

.hero-copy {
  max-width: 720px;
  color: var(--white);
}

.why-hero-copy {
  max-width: 760px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--green-deep);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.13em;
  line-height: 1.4;
  text-transform: uppercase;
}

.hero .eyebrow,
.eyebrow-light {
  color: #9dff73;
}

.eyebrow::before {
  content: "";
  width: 32px;
  height: 3px;
  background: currentColor;
  border-radius: 99px;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 24px;
  font-size: clamp(3rem, 7.4vw, 6.7rem);
  line-height: 0.92;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 20px;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 4.2rem);
  line-height: 1;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 1.08rem;
  line-height: 1.2;
}

.hero-lede {
  max-width: 660px;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(1.05rem, 1.6vw, 1.28rem);
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 32px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 14px 20px;
  border: 0;
  border-radius: 8px;
  cursor: pointer;
  font-weight: 850;
  transition: transform 160ms ease, box-shadow 160ms ease, background-color 160ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
  outline: none;
}

.button-primary {
  color: var(--white);
  background: linear-gradient(135deg, var(--green-deep), var(--green));
  box-shadow: 0 18px 38px rgba(49, 153, 0, 0.26);
}

.button-secondary {
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.34);
  background: rgba(255, 255, 255, 0.12);
}

.loan-snapshot {
  position: relative;
  display: grid;
  gap: 16px;
  padding: 18px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(255, 255, 255, 0.65);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.leader-card,
.credential-panel,
.cta-panel {
  display: grid;
  gap: 18px;
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  box-shadow: 0 24px 70px rgba(0, 0, 0, 0.18);
  backdrop-filter: blur(12px);
}

.leader-card img,
.cta-panel img {
  width: 100%;
  border-radius: 8px;
}

.leader-card span {
  color: #9dff73;
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.leader-card strong {
  display: block;
  margin-top: 8px;
  color: var(--white);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  line-height: 1;
}

.leader-card p {
  margin: 12px 0 0;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.65;
}

.snapshot-logo {
  width: 100%;
  border-radius: 8px;
}

.metric-row,
.dscr-result {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.metric-row span,
.dscr-result span {
  color: var(--ink-soft);
  font-size: 0.9rem;
  font-weight: 700;
}

.metric-row strong {
  color: var(--navy);
  font-size: 1.35rem;
}

.dscr-result {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--blue));
}

.dscr-result span,
.dscr-result strong {
  color: var(--white);
}

.dscr-result strong {
  font-size: 2.5rem;
}

.loan-snapshot p {
  margin-bottom: 0;
  color: var(--ink-soft);
  line-height: 1.6;
}

.corner-logo {
  position: absolute;
  right: 0;
  z-index: 3;
  width: clamp(128px, 17vw, 250px);
  pointer-events: none;
}

.corner-logo img {
  width: 100%;
  border-radius: 8px 0 0 8px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.18);
}

.proof-band {
  position: relative;
  z-index: 4;
  margin-top: -28px;
}

.why-proof {
  margin-top: -36px;
}

.proof-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.proof-grid article,
.benefit-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 18px 44px rgba(6, 40, 95, 0.08);
}

.proof-grid strong,
.proof-grid span {
  display: block;
}

.proof-grid strong {
  color: var(--navy);
  font-size: 1.1rem;
}

.proof-grid span {
  margin-top: 7px;
  color: var(--ink-soft);
  font-size: 0.92rem;
}

.section {
  padding: 96px 0;
}

.two-column,
.borrower-layout,
.requirements-grid,
.final-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1fr);
  gap: 48px;
  align-items: center;
}

.section-copy p,
.section-head p,
.final-cta p {
  color: var(--ink-soft);
  font-size: 1.03rem;
  line-height: 1.75;
}

.formula-panel {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.credential-panel {
  color: var(--ink);
  border-color: var(--line);
  background: var(--white);
}

.credential-panel ul {
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 0;
  list-style: none;
}

.credential-panel li {
  position: relative;
  padding-left: 28px;
  color: var(--ink-soft);
  line-height: 1.6;
  font-weight: 750;
}

.credential-panel li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 10px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 5px rgba(84, 211, 24, 0.14);
}

.panel-label {
  color: var(--green-deep);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.formula {
  display: grid;
  gap: 14px;
  margin: 30px 0;
  color: var(--navy);
  font-size: clamp(1.35rem, 3vw, 2.6rem);
  font-weight: 900;
  text-align: center;
}

.formula i {
  display: block;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--blue), transparent);
}

.example {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 10px;
  align-items: center;
  padding: 18px;
  border-radius: 8px;
  background: var(--mist);
  color: var(--ink-soft);
  font-weight: 850;
}

.example strong {
  grid-column: 1 / -1;
  color: var(--green-deep);
  font-size: 2.3rem;
  text-align: center;
}

.section-ink {
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(84, 211, 24, 0.16), transparent 35%),
    linear-gradient(145deg, #071a35 0%, #072e72 100%);
}

.section-ink h2,
.section-ink h3 {
  color: var(--white);
}

.section-head {
  max-width: 880px;
  margin-bottom: 34px;
}

.section-head-center {
  margin-right: auto;
  margin-left: auto;
  text-align: center;
}

.section-head-center .eyebrow {
  justify-content: center;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.benefit-grid article {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.16);
  box-shadow: none;
}

.benefit-grid p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.76);
  line-height: 1.65;
}

.compare-section {
  background: var(--cloud);
}

.comparison {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.comparison-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border-top: 1px solid var(--line);
}

.comparison-row:first-child {
  border-top: 0;
}

.comparison-row span,
.comparison-row strong {
  padding: 18px 22px;
}

.comparison-row strong {
  color: var(--green-deep);
  border-left: 1px solid var(--line);
}

.comparison-title {
  color: var(--white);
  background: var(--navy);
  font-weight: 900;
}

.comparison-title span:last-child {
  background: var(--green-deep);
}

.tag-cloud {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.tag-cloud span {
  padding: 12px 14px;
  color: var(--navy);
  border: 1px solid rgba(23, 105, 232, 0.18);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 14px 34px rgba(6, 40, 95, 0.07);
  font-weight: 800;
}

.why-story {
  max-width: 1060px;
}

.story-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.story-steps article {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 44px rgba(6, 40, 95, 0.08);
}

.story-steps span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 8px;
  font-weight: 900;
}

.story-steps p {
  margin-bottom: 0;
  color: var(--ink-soft);
  line-height: 1.7;
}

.cta-panel {
  align-self: stretch;
  justify-content: center;
}

.requirements {
  padding: 70px 0;
  background: var(--white);
  border-block: 1px solid var(--line);
}

.requirements h2 {
  margin-bottom: 0;
}

.requirements ul {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  padding: 0;
  margin: 0;
  list-style: none;
}

.requirements li {
  position: relative;
  padding: 16px 16px 16px 40px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
  font-weight: 800;
}

.requirements li::before {
  content: "";
  position: absolute;
  left: 16px;
  top: 21px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 5px rgba(84, 211, 24, 0.14);
}

.final-cta {
  position: relative;
  overflow: hidden;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(84, 211, 24, 0.18), transparent 34%),
    linear-gradient(135deg, #06285f 0%, #06162f 100%);
}

.final-cta h2,
.final-cta p {
  color: var(--white);
}

.corner-logo-bottom {
  right: 0;
  bottom: 0;
  transform: translateX(34%) translateY(28%);
  opacity: 0.52;
}

.lead-form {
  display: grid;
  gap: 14px;
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(12px);
}

.contact-direct {
  display: flex;
  gap: 10px 18px;
  flex-wrap: wrap;
  padding-bottom: 4px;
}

.contact-direct a {
  color: #9dff73;
  font-weight: 850;
}

.contact-direct a:hover,
.contact-direct a:focus-visible {
  color: var(--white);
}

.contact-direct-centered {
  justify-content: center;
  text-align: center;
}

.lead-form label {
  display: grid;
  gap: 8px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.86rem;
  font-weight: 850;
}

.lead-form input,
.lead-form select {
  width: 100%;
  min-height: 48px;
  padding: 12px;
  color: var(--ink);
  border: 1px solid transparent;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
}

.lead-form input:focus,
.lead-form select:focus {
  border-color: var(--green);
  outline: 3px solid rgba(84, 211, 24, 0.22);
}

.consent {
  display: grid;
  gap: 8px;
  padding: 12px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(0, 0, 0, 0.18);
}

.application-form .consent {
  border-color: rgba(10, 37, 64, 0.14);
  background: rgba(10, 37, 64, 0.04);
}

.consent-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 12px;
  align-items: start;
}

.consent-row input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 3px;
}

.consent-row label {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.84rem;
  font-weight: 600;
  line-height: 1.45;
}

.application-form .consent-row label {
  color: var(--ink);
}

.consent-row a {
  color: #9dff73;
  text-decoration: underline;
}

.application-form .consent-row a {
  color: var(--green-deep, #1f7a12);
}

.consent-note {
  margin: 0;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.78rem;
}

.application-form .consent-note {
  color: rgba(10, 37, 64, 0.68);
}

.form-status {
  display: none;
  margin: 0;
  padding: 12px;
  border-radius: 8px;
  font-weight: 750;
}

.form-status.show {
  display: block;
}

.form-status.show.ok {
  color: var(--white);
  border: 1px solid rgba(157, 255, 115, 0.36);
  background: rgba(84, 211, 24, 0.14);
}

.form-status.show.bad {
  color: #fff2f2;
  border: 1px solid rgba(255, 120, 120, 0.45);
  background: rgba(180, 40, 40, 0.28);
}

.application-form .form-status.show.ok {
  color: #145214;
  background: rgba(84, 211, 24, 0.12);
}

.application-form .form-status.show.bad {
  color: #7a1212;
  background: rgba(255, 120, 120, 0.16);
}

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  align-items: center;
}

.footer-legal a {
  color: rgba(255, 255, 255, 0.76);
}

.footer-legal a:hover,
.footer-legal a:focus-visible {
  color: #9dff73;
}

/* Legal / policy pages (lightweight layout) */
.wrap {
  width: min(920px, calc(100% - 40px));
  margin: 0 auto;
}

.doc {
  padding: 48px 0 72px;
}

.doc h1 {
  margin: 0 0 12px;
  font-size: clamp(2rem, 4vw, 2.8rem);
}

.doc-meta {
  color: rgba(10, 37, 64, 0.62);
  margin-bottom: 28px;
}

.doc h2 {
  margin: 28px 0 10px;
  font-size: 1.25rem;
}

.doc p,
.doc li {
  line-height: 1.6;
  color: rgba(10, 37, 64, 0.88);
}

.doc ul {
  padding-left: 1.2rem;
}

.footer {
  padding: 28px 0;
  color: rgba(255, 255, 255, 0.76);
  background: #06162f;
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-contact {
  display: flex;
  gap: 8px 18px;
  flex-wrap: wrap;
}

.footer-contact a {
  color: var(--white);
}

.footer a {
  color: var(--green);
  font-weight: 850;
}

[data-reveal] {
  opacity: 1;
  transform: none;
}

.js [data-reveal] {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 520ms ease, transform 520ms ease;
}

.js [data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

.app-lede {
  color: var(--ink-soft);
}

.app-privacy-note {
  max-width: 720px;
  padding: 14px 18px;
  color: var(--ink-soft);
  font-size: 0.95rem;
  line-height: 1.6;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.application-form-section {
  padding-top: 0;
}

.application-form {
  display: grid;
  gap: 28px;
}

.app-section {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 44px rgba(6, 40, 95, 0.06);
}

.app-section h2 {
  margin-bottom: 18px;
  font-size: 1.35rem;
}

.app-section h3 {
  margin-bottom: 12px;
}

.app-optional {
  color: var(--ink-soft);
  font-weight: 600;
  text-transform: none;
  letter-spacing: 0;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 16px;
}

.field {
  display: grid;
  gap: 8px;
  color: var(--ink-soft);
  font-size: 0.86rem;
  font-weight: 750;
}

.field-wide {
  grid-column: 1 / -1;
  margin-bottom: 16px;
}

.field input,
.field textarea {
  width: 100%;
  min-height: 46px;
  padding: 12px;
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.field textarea {
  min-height: 80px;
  resize: vertical;
}

.field input:focus,
.field textarea:focus {
  border-color: var(--blue);
  outline: 3px solid rgba(23, 105, 232, 0.16);
}

.choice-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  padding: 14px 16px;
  margin: 0 0 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.choice-group legend {
  width: 100%;
  margin-bottom: 6px;
  padding: 0;
  color: var(--navy);
  font-size: 0.86rem;
  font-weight: 800;
}

.choice-group label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--ink-soft);
  font-size: 0.92rem;
  font-weight: 650;
}

.choice-with-input {
  gap: 8px;
}

.inline-input {
  min-height: 34px;
  padding: 6px 8px;
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
}

.yes-no-grid {
  display: grid;
  gap: 10px;
  margin-bottom: 16px;
}

.yes-no-row {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px 22px;
  padding: 12px 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.yes-no-row legend {
  padding: 0;
  margin-right: auto;
  color: var(--ink-soft);
  font-weight: 750;
}

.yes-no-row label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 650;
}

.app-note {
  margin: 0 0 16px;
  color: var(--ink-soft);
  font-size: 0.9rem;
  line-height: 1.6;
}

.reo-block {
  padding: 18px;
  margin-bottom: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--mist);
}

.reo-block-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.button-remove-reo {
  padding: 6px 12px;
  color: var(--navy);
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  cursor: pointer;
  font-weight: 750;
  font-size: 0.86rem;
}

.button-add-reo {
  color: var(--navy);
}

.checkbox-line {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 18px;
  color: var(--ink-soft);
  line-height: 1.6;
  font-weight: 650;
}

.checkbox-line input {
  margin-top: 4px;
}

.app-submit {
  padding: 22px;
  text-align: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--cloud);
}

.application-form.is-submitted .app-submit::after {
  content: "Opening your email app to send this application to NxGen Capital - hit send there to finish.";
  display: block;
  margin-top: 14px;
  padding: 12px;
  color: var(--navy);
  border: 1px solid rgba(23, 105, 232, 0.24);
  border-radius: 8px;
  background: rgba(23, 105, 232, 0.08);
  font-weight: 750;
}

@media (max-width: 720px) {
  .field-grid {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

@media (max-width: 980px) {
  .hero-grid,
  .why-hero-grid,
  .two-column,
  .borrower-layout,
  .requirements-grid,
  .final-grid {
    grid-template-columns: 1fr;
  }

  .hero::before {
    height: 100%;
    clip-path: none;
    background-position: center, right -180px top 20px;
    background-size: cover, 620px auto;
  }

  .loan-snapshot {
    max-width: 520px;
  }

  .proof-grid,
  .benefit-grid,
  .story-steps {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 720px) {
  .site-shell {
    width: min(100% - 28px, var(--max-width));
  }

  .site-header {
    position: static;
  }

  .contact-banner-inner {
    justify-content: center;
    padding: 8px 0;
    text-align: center;
  }

  .nav {
    position: relative;
    align-items: center;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .nav-links {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    padding: 10px 14px 16px;
    background: rgba(248, 252, 255, 0.98);
    border-bottom: 1px solid rgba(6, 40, 95, 0.08);
    box-shadow: 0 18px 30px rgba(6, 40, 95, 0.1);
  }

  .nav-links.is-open {
    z-index: 50;
    display: flex;
  }

  .nav-links a {
    padding: 12px;
  }

  .hero {
    padding: 58px 0;
  }

  h1 {
    font-size: clamp(3rem, 16vw, 4.4rem);
  }

  h2 {
    font-size: clamp(2rem, 10vw, 3rem);
  }

  .corner-logo {
    width: 122px;
  }

  .hero-actions,
  .button {
    width: 100%;
  }

  .proof-grid,
  .benefit-grid,
  .story-steps,
  .requirements ul {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 68px 0;
  }

  .comparison-row {
    grid-template-columns: 1fr;
  }

  .comparison-row strong {
    border-top: 1px solid var(--line);
    border-left: 0;
  }

  .example {
    grid-template-columns: 1fr;
    text-align: center;
  }
}