/* Version 3 shared chrome: tokens, buttons, utility bar, nav with menus, footer.
   Used by the home page and /funding-calculator/. */
:root{
  --navy:#0F1F3D; --red:#D7263D; --red-deep:#B31B30; --red-soft:#FF6F82; --red-wash:#FDECEE; --blush:#FFF5F6;
  --white:#FFFFFF; --mist:#F5F7FA; --line:#E4E8EF; --stone:#5A6478; --cloud:#C9D2E3;
  --sans:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","Helvetica Neue","Inter",system-ui,"Segoe UI",Roboto,Arial,sans-serif;
  --ease-out:cubic-bezier(0.23,1,0.32,1);
  --gutter:clamp(16px,4vw,40px);
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--white);color:var(--navy);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
body.menu-open{overflow:hidden}
::selection{background:var(--red);color:#fff}
:focus-visible{outline:2px solid var(--red);outline-offset:3px;border-radius:8px}
img,video{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{margin:0;font-weight:600;text-wrap:balance}
h1{font-size:clamp(40px,5.6vw,68px);line-height:1.05;letter-spacing:-.025em}
h2{font-size:clamp(30px,3.8vw,46px);line-height:1.1;letter-spacing:-.02em}
h2 em,h1 em{font-style:normal;color:var(--red)}
h3{font-size:19px;line-height:1.25;letter-spacing:-.01em}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding-inline:var(--gutter)}
.lede{font-size:clamp(17px,1.5vw,19px);line-height:1.55;color:var(--stone);max-width:48ch}
.center{text-align:center}
.center .lede{margin-inline:auto}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 16px/1 var(--sans);text-decoration:none;border-radius:999px;padding:17px 30px;border:1.5px solid transparent;cursor:pointer;transition:transform 160ms var(--ease-out),background-color 160ms ease,border-color 160ms ease,color 160ms ease,box-shadow 200ms var(--ease-out);-webkit-tap-highlight-color:transparent;white-space:nowrap}
.btn:active{transform:scale(.97)}
.btn-red{background:var(--red);color:#fff;box-shadow:0 10px 24px -12px rgba(215,38,61,.7)}
.btn-white{background:#fff;color:var(--red-deep)}
.btn-line{background:#fff;color:var(--red-deep);border-color:var(--red)}
@media (hover:hover) and (pointer:fine){.btn-red:hover{background:var(--red-deep)}.btn-white:hover,.btn-line:hover{background:var(--red-wash)}}
.micro{font-size:13.5px;opacity:.85}

/* proposal strip + utility bar */
.proposal{background:var(--navy);color:var(--cloud);font-size:12.5px;text-align:center;padding:6px var(--gutter)}
.proposal b{color:#fff}
.util{border-bottom:1px solid var(--line);font-size:13px;color:var(--stone)}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:40px}
.util a{color:var(--navy);font-weight:600;text-decoration:none;white-space:nowrap}
.util span{white-space:nowrap}
.util .l,.util .r{display:flex;align-items:center;gap:6px 12px}
.util .sep{width:1px;height:14px;background:var(--line)}
.util .login{display:inline-flex;align-items:center;gap:6px;text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--cloud)}
.util .login svg{width:16px;height:16px;color:var(--red)}
@media (hover:hover){.util .login:hover{color:var(--red)}}
@media (max-width:760px){.util .hide-sm{display:none}}
@media (max-width:420px){.util .hide-xs{display:none}}
.social{display:flex;align-items:center;gap:8px}
.social a{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;color:var(--navy);background:var(--mist);transition:background-color 160ms ease,color 160ms ease,transform 160ms var(--ease-out)}
.social a:active{transform:scale(.94)}
.social svg{width:16px;height:16px}
@media (hover:hover){.social a:hover{background:var(--red);color:#fff}}

/* nav: logo · menus · Funding Calculator + Apply now */
.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:30;background:rgba(255,255,255,.94);backdrop-filter:saturate(180%) blur(16px);-webkit-backdrop-filter:saturate(180%) blur(16px);transition:box-shadow 200ms ease}
.nav.scrolled{box-shadow:0 6px 20px -14px rgba(15,31,61,.35)}
.nav .wrap{display:flex;align-items:center;gap:20px;height:78px}
.nav .home img{height:44px;width:auto}
.nav .acts{display:flex;align-items:center;gap:12px;margin-left:auto}
.nav .acts .btn{padding:14px 24px;font-size:15px}
.menus{display:flex;align-items:center;gap:4px;margin-left:auto;list-style:none;padding:0;margin-block:0}
.menus>li{position:relative}
.menus .top{display:inline-flex;align-items:center;gap:6px;font:500 15.5px/1 var(--sans);color:var(--navy);background:none;border:0;padding:12px 14px;border-radius:10px;cursor:pointer;-webkit-tap-highlight-color:transparent}
.menus .top svg{width:12px;height:12px;transition:transform 200ms var(--ease-out)}
.menus .top[aria-expanded="true"] svg{transform:rotate(180deg)}
@media (hover:hover){.menus .top:hover{background:var(--mist)}}
.drop{position:absolute;top:calc(100% + 8px);left:50%;width:320px;margin-left:-160px;background:#fff;border-radius:18px;padding:8px;box-shadow:0 24px 60px -20px rgba(15,31,61,.35),0 0 0 1px rgba(15,31,61,.06);transform-origin:top center;opacity:0;transform:translateY(-4px) scale(.97);visibility:hidden;transition:opacity 160ms ease,transform 200ms var(--ease-out),visibility 0s linear 200ms}
.drop.open{opacity:1;transform:none;visibility:visible;transition:opacity 160ms ease,transform 200ms var(--ease-out),visibility 0s}
.drop::before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.drop a{display:block;text-decoration:none;padding:12px 14px;border-radius:12px;transition:background-color 140ms ease}
.drop a b{display:block;font-weight:600;font-size:15px}
.drop a span{display:block;font-size:13.5px;color:var(--stone);line-height:1.4;margin-top:2px}
@media (hover:hover){.drop a:hover{background:var(--blush)}.drop a:hover b{color:var(--red-deep)}}
.burger{display:none;width:46px;height:46px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--navy);place-items:center;cursor:pointer;-webkit-tap-highlight-color:transparent}
.burger svg{width:22px;height:22px}
.burger .x{display:none}
.burger[aria-expanded="true"] .x{display:block}
.burger[aria-expanded="true"] .bars{display:none}
@media (max-width:1080px){.menus{display:none}.burger{display:grid}}
@media (max-width:640px){.nav .acts .calc{display:none}.nav .wrap{height:70px;gap:12px}.nav .home img{height:40px}.nav .acts{gap:8px}.nav .acts .btn{padding:13px 18px}}

/* phone / tablet menu sheet */
.sheet{position:fixed;left:0;right:0;bottom:0;top:var(--sheet-top,118px);z-index:29;background:#fff;overflow-y:auto;overscroll-behavior:contain;padding:8px var(--gutter) calc(24px + env(safe-area-inset-bottom,0px));opacity:0;transform:translateY(-8px);visibility:hidden;transition:opacity 180ms ease,transform 220ms var(--ease-out),visibility 0s linear 220ms}
.sheet.open{opacity:1;transform:none;visibility:visible;transition:opacity 180ms ease,transform 220ms var(--ease-out),visibility 0s}
.sheet h4{margin:20px 0 4px;font-size:12.5px;font-weight:600;color:var(--stone);letter-spacing:.06em;text-transform:uppercase}
.sheet a.it{display:block;text-decoration:none;padding:12px 0;border-bottom:1px solid var(--line);font-weight:500;font-size:17px}
.sheet .acc{border-bottom:1px solid var(--line)}
.sheet .acc-h{display:flex;align-items:center;justify-content:space-between;width:100%;padding:18px 2px;border:0;background:none;font:600 18px/1.2 var(--sans);color:var(--navy);cursor:pointer;-webkit-tap-highlight-color:transparent}
.sheet .acc-h svg{width:14px;height:14px;color:var(--stone);transition:transform 220ms var(--ease-out)}
.sheet .acc-h[aria-expanded="true"]{color:var(--red-deep)}
.sheet .acc-h[aria-expanded="true"] svg{transform:rotate(180deg);color:var(--red)}
.sheet .acc-b{padding:0 0 10px 14px;border-left:2px solid var(--red-wash);margin:0 0 12px 2px}
.sheet .acc-b a.it{font-size:16px;padding:11px 0;border-bottom:0}
.sheet .btns{display:grid;gap:10px;margin-top:26px}
.sheet .btns .btn{width:100%}
@media (min-width:1081px){.sheet{display:none}}
@media (prefers-reduced-motion:reduce){.drop,.sheet,.btn{transition:none}}

footer{background:var(--navy);color:var(--cloud);font-size:14px;padding-block:40px calc(36px + env(safe-area-inset-bottom,0px))}
footer .wrap{display:grid;grid-template-columns:auto 1fr auto auto;gap:28px;align-items:start}
footer .logo{justify-self:start;background:#fff;border-radius:12px;padding:6px 10px;line-height:0}
footer .logo img{height:36px;width:auto}
footer nav{display:flex;flex-wrap:wrap;gap:10px 22px}
footer nav a{text-decoration:none}
footer address{font-style:normal;text-align:right;line-height:1.6}
footer address b{color:#fff;font-weight:600}
footer address a{color:#fff;text-decoration:none}
footer .social a{width:38px;height:38px;background:rgba(255,255,255,.08);color:#fff}
footer .social svg{width:18px;height:18px}
.legal{grid-column:1/-1;font-size:12px;color:#8E9AB3;border-top:1px solid rgba(255,255,255,.08);padding-top:20px;max-width:92ch}
@media (max-width:860px){footer .wrap{grid-template-columns:1fr}footer address{text-align:left}}

/* mega menu (Finance your business): financing types | business types */
.nav .wrap{position:relative}
.menus>li.mega-li{position:static}
.drop.mega{left:var(--gutter);right:var(--gutter);width:auto;margin-left:0;top:calc(100% - 6px);padding:22px;display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.6fr);gap:0}
.drop.mega .col{padding:0 18px}
.drop.mega .col+.col{border-left:1px solid var(--line)}
.drop.mega h5{margin:2px 0 8px 14px;font-size:12px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--stone)}
.drop.mega .grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 8px}
.drop.mega a{display:flex;align-items:center;gap:14px;padding:10px 14px;font-weight:500;font-size:15px}
.drop.mega a svg{flex:none;width:24px;height:24px;color:var(--navy);transition:color 140ms ease}
@media (hover:hover){.drop.mega a:hover{color:var(--red-deep)}.drop.mega a:hover svg{color:var(--red)}}
.drop.mega a.all{font-weight:600}

/* inner pages */
.crumbs{font-size:13.5px;color:var(--cloud);display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:#fff;text-decoration:none}
.pg-hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.pg-hero::after{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-160px;top:-200px;background:radial-gradient(circle,rgba(215,38,61,.35),rgba(215,38,61,0) 70%);pointer-events:none}
.pg-hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:clamp(32px,6vw,80px);align-items:center;padding-block:clamp(48px,7vw,88px)}
.pg-hero h1{font-size:clamp(36px,4.6vw,56px);margin-top:14px}
.pg-hero .lede{color:rgba(255,255,255,.85);margin-top:18px}
.pg-hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.pg-hero .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
@media (hover:hover){.pg-hero .btn-ghost:hover{background:rgba(255,255,255,.08)}}
.glance{background:#fff;color:var(--navy);border-radius:22px;padding:26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5);border-left:5px solid var(--red)}
.glance .gi{display:flex;align-items:center;gap:14px;margin-bottom:18px}
.glance .gi span{width:52px;height:52px;border-radius:16px;background:var(--red-wash);color:var(--red);display:grid;place-items:center}
.glance .gi svg{width:28px;height:28px}
.glance .gi b{font-size:19px;font-weight:600}
.glance dl{margin:0;display:grid;gap:0}
.glance dl div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid var(--line);font-size:15px}
.glance dt{color:var(--stone)}
.glance dd{margin:0;font-weight:600;text-align:right}
@media (max-width:860px){.pg-hero .wrap{grid-template-columns:1fr}}
.pg-sec{padding-block:clamp(64px,8vw,104px)}
.pg-sec.mist{background:var(--mist)}
.pg-sec h2{max-width:22ch}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:36px}
.tile{background:#fff;border-radius:20px;padding:24px;box-shadow:0 14px 40px -28px rgba(15,31,61,.45);border:1px solid var(--line)}
.mist .tile{border-color:transparent}
.tile .n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:600;font-size:14px;margin-bottom:14px}
.tile .ti{width:46px;height:46px;border-radius:14px;background:var(--red-wash);color:var(--red);display:grid;place-items:center;margin-bottom:14px}
.tile .ti svg{width:24px;height:24px}
.tile h3{font-size:18px}
.tile p{color:var(--stone);font-size:15px;margin-top:6px}
a.tile{text-decoration:none;display:block;transition:transform 200ms var(--ease-out),box-shadow 200ms var(--ease-out)}
a.tile .go{display:inline-block;margin-top:12px;font-weight:600;color:var(--red-deep);font-size:14.5px}
@media (hover:hover){a.tile:hover{transform:translateY(-3px);box-shadow:0 22px 44px -26px rgba(15,31,61,.5)}}
a.tile:active{transform:scale(.98)}
@media (max-width:960px){.cards4{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.cards3{grid-template-columns:1fr}}
@media (max-width:480px){.cards4{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.checks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.checks li{display:grid;grid-template-columns:28px 1fr;gap:12px;font-size:16.5px}
.checks li::before{content:"";width:28px;height:28px;border-radius:50%;background:var(--red-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23D7263D' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/16px no-repeat}
.need{display:grid;gap:12px;margin-top:26px}
.need div{background:#fff;border-radius:999px;padding:16px 24px;display:flex;align-items:baseline;gap:14px;box-shadow:0 10px 30px -22px rgba(15,31,61,.45)}
.need b{font-size:24px;font-weight:600;white-space:nowrap}
.need span{color:var(--stone);font-size:15px}
.faq{margin-top:30px;max-width:820px}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;font-weight:600;font-size:17.5px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:12px;height:12px;margin-top:-8px;border-right:2px solid var(--red);border-bottom:2px solid var(--red);transform:rotate(45deg);transition:transform 200ms var(--ease-out)}
.faq details[open] summary::after{transform:rotate(225deg);margin-top:-2px}
.faq details p{padding:0 0 20px;color:var(--stone);max-width:68ch}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.chips a{text-decoration:none;padding:11px 18px;border-radius:999px;border:1.5px solid var(--line);font-weight:500;font-size:15px;background:#fff;transition:border-color 140ms ease,color 140ms ease}
@media (hover:hover){.chips a:hover{border-color:var(--red);color:var(--red-deep)}}
.pg-final{background:linear-gradient(120deg,var(--red) 0%,var(--red-deep) 100%);color:#fff;padding-block:clamp(64px,8vw,96px);text-align:center}
.pg-final .wrap{display:grid;justify-items:center;gap:18px}
.pg-final p{color:rgba(255,255,255,.9);max-width:46ch}
.pg-final .micro a{color:#fff}
/* phone pass (2026-10-08): inner pages — tighter sections, full-width buttons, left-aligned requirement rows */
@media (max-width:760px){
  .pg-hero .wrap{padding-block:36px 44px;gap:28px}
  .pg-hero .ctas .btn{flex:1 1 100%}
  .glance{padding:20px;border-radius:18px}
  .pg-sec,.pg-final{padding-block:56px}
  .cards3,.cards4{margin-top:24px;gap:12px}
  .tile{padding:20px;border-radius:16px}
  .cards4{grid-template-columns:1fr 1fr}
  .cards4 .tile{padding:16px}
  .cards4 .tile .ti{width:40px;height:40px;margin-bottom:10px}
  .cards4 .tile h3{font-size:16px}
  .cards4 .tile p{font-size:14px}
  .need div{border-radius:16px;padding:14px 18px}
  .need b{font-size:21px;min-width:60px}
  .faq summary{font-size:16.5px;padding-block:16px}
  .pg-final .btn{width:100%;max-width:320px}
}
@media (max-width:340px){.cards4{grid-template-columns:1fr}}