:root{--ink:#221b18;--paper:#fbf7ef;--cream:#fffdf7;--line:#e1d2bd;--red:#b93a32;--green:#1e6f58;--yellow:#f1c453;--blue:#22566a;--muted:#6d6257}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font-family:Georgia,"Times New Roman",serif;line-height:1.58}a{text-decoration:none;color:inherit}.container{width:min(1120px,calc(100% - 32px));margin:auto}.top{position:sticky;top:0;z-index:10;background:rgba(251,247,239,.96);border-bottom:3px solid var(--ink)}.nav{display:flex;align-items:center;gap:18px;padding:14px 0}.brand{display:flex;gap:12px;align-items:center;font-family:Arial,sans-serif;font-weight:900;line-height:1.05}.brand span{display:grid;place-items:center;width:48px;height:48px;border:3px solid var(--ink);background:var(--yellow);border-radius:8px}.links{display:flex;gap:6px;margin-left:auto}.links a{font-family:Arial,sans-serif;font-weight:900;padding:10px 12px;border-radius:8px}.links a.active,.links a:hover{background:var(--green);color:#fff}.call,.primary,.phone-box a,.cta a{font-family:Arial,sans-serif;font-weight:900;background:var(--red);color:#fff;padding:12px 15px;border-radius:8px}.menu{display:none}.label{text-transform:uppercase;letter-spacing:.14em;font-family:Arial,sans-serif;font-weight:900;color:var(--red);font-size:12px;margin:0 0 14px}.hero{position:relative;overflow:hidden;border-bottom:3px solid var(--ink);background:var(--cream)}.hero:before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(90deg,transparent 0 34px,rgba(185,58,50,.08) 34px 36px),repeating-linear-gradient(0deg,transparent 0 34px,rgba(30,111,88,.08) 34px 36px)}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:center;min-height:calc(100vh - 80px);padding:70px 0}.hero h1,.page-head h1{font-size:clamp(2.7rem,6vw,5.7rem);line-height:.96;margin:0 0 22px;font-weight:900;max-width:870px}.hero p:not(.label),.page-head p:not(.label){font-size:1.18rem;color:var(--muted);max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.secondary{font-family:Arial,sans-serif;font-weight:900;border:2px solid var(--green);color:var(--green);padding:10px 15px;border-radius:8px;background:var(--cream)}.signal{border:3px solid var(--ink);background:var(--yellow);border-radius:8px;padding:18px;display:grid;gap:12px;box-shadow:10px 10px 0 var(--ink);font-family:Arial,sans-serif}.signal span{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:900}.signal strong{background:var(--cream);border:2px solid var(--ink);border-radius:8px;padding:16px;font-size:1.25rem}.board,.resources,.faq,.ledger,.article{padding:72px 0}.board h2,.resources h2,.faq h2,.ledger h2,.cta h2{font-size:clamp(2rem,4vw,3.4rem);line-height:1.04;margin:0 0 28px;font-weight:900}.tiles{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.tile,.resource-grid a,.qa,.article-copy section,.related,.phone-box{background:var(--cream);border:2px solid var(--ink);border-radius:8px;padding:20px;box-shadow:6px 6px 0 rgba(34,27,24,.18)}.tile{min-height:280px;display:flex;flex-direction:column;gap:14px}.tile small,.resource-grid small,.cta small,.phone-box small{font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--red)}.tile strong{font-size:1.2rem;line-height:1.15}.tile span,.resource-grid span,.qa p,.article-copy p,.ledger p,.cta p{color:var(--muted)}.ledger{background:var(--green);color:#fff;border-block:3px solid var(--ink)}.ledger .label{color:var(--yellow)}.ledger p,.ledger h2{color:#fff}.ledger-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:28px}.notes{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.notes article{background:rgba(255,255,255,.12);border:2px solid rgba(255,255,255,.35);border-radius:8px;padding:20px}.notes span{font-family:Arial,sans-serif;color:var(--yellow);font-weight:900}.page-head{padding:64px 0;background:var(--cream);border-bottom:3px solid var(--ink);position:relative}.page-head:after{content:"";position:absolute;left:0;right:0;bottom:0;height:14px;background:repeating-linear-gradient(90deg,var(--red) 0 48px,var(--yellow) 48px 96px,var(--green) 96px 144px,var(--blue) 144px 192px)}.crumb{font-family:Arial,sans-serif;color:var(--muted);font-size:14px;margin-bottom:20px}.crumb a{font-weight:900;color:var(--green)}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:28px}.article-copy{display:grid;gap:18px}.article-copy h2,.related h2{font-size:1.55rem;margin:0 0 10px}.phone-box{background:var(--blue);color:#fff}.phone-box small{color:var(--yellow)}.phone-box strong{display:block;font-family:Arial,sans-serif;font-size:2rem;margin:8px 0 16px}.related{margin-top:16px;display:grid;gap:10px}.related a{font-family:Arial,sans-serif;color:var(--green);font-weight:900;border-bottom:1px solid var(--line);padding-bottom:10px}.faq{background:#efe5d6;border-block:3px solid var(--ink)}.qa-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.qa h3{font-size:1.25rem;margin:0 0 10px}.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.resource-grid a{display:grid;gap:10px}.resource-grid strong{font-size:1.35rem;line-height:1.15}.cta{padding:0 0 72px}.cta .container{background:var(--ink);color:#fff;border-radius:8px;padding:32px;display:flex;align-items:center;justify-content:space-between;gap:24px}.cta small{color:var(--yellow)}.cta p{color:#d9d0c6;margin:0}.footer{background:#171210;color:#d4c8ba;padding:56px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr .8fr;gap:28px}.footer h5{color:#fff;font-weight:900}.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:8px}.footer a{color:#fff}.bottom{border-top:1px solid rgba(255,255,255,.16);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;color:#9f9283}@media(max-width:960px){.hero-grid,.ledger-grid,.article-grid,.footer-grid{grid-template-columns:1fr}.tiles,.notes,.qa-grid,.resource-grid{grid-template-columns:1fr}.links{display:none;flex-direction:column;width:100%}.links.open{display:flex}.menu{display:block;margin-left:auto;border:2px solid var(--ink);border-radius:8px;background:var(--cream);padding:9px 12px;font-family:Arial,sans-serif;font-weight:900}.nav{flex-wrap:wrap}.call{margin-left:0}.hero-grid{min-height:auto;padding:54px 0}.signal{box-shadow:6px 6px 0 var(--ink)}.cta .container{display:block}.cta a{display:inline-block;margin-top:18px}}

/* Apply Now shared CTA styles */
.navbar-nav .btn-primary[href*="lendingpad.com"],
.nav-links a.apply-now,
.links a.apply-now {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-accent-dark: var(--green-dark, var(--secondary, var(--ink, #0f4d41)));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border-radius: 8px;
  background: var(--apply-accent);
  border: 1px solid var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-nav .btn-primary[href*="lendingpad.com"]:hover,
.navbar-nav .btn-primary[href*="lendingpad.com"]:focus,
.nav-links a.apply-now:hover,
.nav-links a.apply-now:focus,
.links a.apply-now:hover,
.links a.apply-now:focus {
  background: var(--apply-accent-dark);
  border-color: var(--apply-accent-dark);
  color: #fff;
}
.apply-now-strip {
  --apply-accent: var(--red, var(--green, var(--primary, var(--accent, #155f4f))));
  --apply-panel: var(--ink, var(--primary, #172126));
  padding: clamp(28px, 5vw, 56px) 0;
  background: transparent;
}
.apply-now-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: clamp(24px, 4vw, 36px);
  border-radius: 8px;
  background: var(--apply-panel);
  color: #fff;
  box-shadow: 0 18px 42px rgba(15, 23, 42, .14);
}
.apply-now-strip span {
  color: #fff;
  font-size: clamp(1.25rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.12;
}
.apply-now-page-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 8px;
  background: var(--apply-accent);
  color: #fff;
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
  white-space: nowrap;
}
.apply-now-page-button:hover,
.apply-now-page-button:focus {
  filter: brightness(.92);
  color: #fff;
}
@media (max-width: 640px) {
  .navbar-nav .btn-primary[href*="lendingpad.com"],
  .nav-links a.apply-now,
  .links a.apply-now {
    width: 100%;
    margin-top: 6px;
  }
  .apply-now-strip .container {
    display: grid;
    gap: 16px;
    text-align: left;
  }
  .apply-now-page-button {
    width: 100%;
  }
}