:root{
  --blue:#1457d9;
  --blue2:#0d47bd;
  --blue3:#2f6fe4;
  --blue-soft:#edf4ff;

  --navy:#071b33;
  --navy2:#0b2b50;
  --navy3:#123d70;
  --gold:#e0ad32;
  --gold2:#f5d77f;
  --cream:#fffaf0;
  --paper:#ffffff;
  --ink:#132033;
  --muted:#667085;
  --line:#e6e8ec;
  --soft:#f6f8fb;
  --good:#116149;
  --bad:#b42318;
  --shadow:0 16px 40px rgba(8,26,47,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:#fff;color:var(--ink);line-height:1.55}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
.wrap{width:min(1180px,calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}
.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-weight:950;letter-spacing:-.045em;font-size:1.42rem}
.brand span{color:var(--gold2)}
.navlinks{display:flex;align-items:center;gap:24px;font-size:.94rem;font-weight:750}
.navlinks a{color:#edf2f7}.navlinks a:hover{color:var(--gold2)}
.nav-cta{background:var(--gold);color:var(--navy)!important;padding:11px 16px;border-radius:9px;font-weight:900}
.hero{background:
radial-gradient(circle at 78% 15%,rgba(214,168,75,.22),transparent 28%),
linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-bottom:4px solid var(--gold)}
.hero .wrap{padding:82px 0 70px}
.eyebrow{display:inline-block;color:var(--gold2);text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:900;margin-bottom:12px}
h1,h2,h3{letter-spacing:-.035em;line-height:1.1}
h1{font-size:clamp(2.5rem,5.6vw,5.1rem);margin:0 0 18px;max-width:930px}
h2{font-size:clamp(1.8rem,3vw,2.7rem);margin:0 0 14px}
h3{font-size:1.16rem}
.hero p{max-width:790px;color:#d7e0ea;font-size:1.15rem;margin:0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:13px 18px;font-weight:900;border:1px solid transparent;cursor:pointer}
.btn.gold{background:var(--gold);color:var(--navy)}
.btn.gold:hover{background:var(--gold2)}
.btn.outline{border-color:rgba(255,255,255,.3);color:#fff;background:rgba(255,255,255,.04)}
.btn.outline:hover{border-color:var(--gold2);color:var(--gold2)}
.btn.navy{background:var(--navy);color:#fff}
.btn.navy:hover{background:var(--navy3)}
.btn.ghost{border-color:#cfd5df;background:#fff}
.section{padding:64px 0}
.section.soft{background:var(--soft)}
.section.cream{background:var(--cream)}
.section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:28px}
.section-head p{max-width:660px;color:var(--muted);margin:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:24px;box-shadow:var(--shadow)}
.card.gold-edge{border-top:4px solid var(--gold)}
.kicker{color:var(--gold);font-weight:900;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em}
.stat{font-size:2rem;font-weight:950;color:var(--navy);letter-spacing:-.04em}
.muted{color:var(--muted)}
.small{font-size:.84rem;color:var(--muted)}
.feature-list{margin:0;padding-left:20px}
.feature-list li{margin:7px 0}
.toolbar{display:grid;grid-template-columns:1fr 260px;gap:14px;border:1px solid var(--line);background:#fff;border-radius:14px;padding:16px;margin-bottom:12px;box-shadow:var(--shadow)}
label{display:block;font-size:.74rem;text-transform:uppercase;letter-spacing:.07em;font-weight:900;color:#475467;margin-bottom:6px}
input,select,textarea{width:100%;border:1px solid #d7dce5;background:#fff;border-radius:9px;padding:12px 13px;color:var(--ink);outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(214,168,75,.16)}
.lender-cards{display:grid;gap:20px}
.lender-card{border:1px solid var(--line);border-radius:17px;background:#fff;overflow:hidden;box-shadow:var(--shadow)}
.lender-card.featured{border:2px solid var(--gold)}
.lender-ribbon{background:var(--navy);color:#fff;padding:12px 20px;font-weight:900;display:flex;justify-content:space-between;gap:12px;align-items:center}
.lender-ribbon span:first-child{color:var(--gold2)}
.lender-body{padding:24px}
.lender-head{display:flex;justify-content:space-between;gap:22px;align-items:flex-start}
.lender-head h2{font-size:1.75rem;margin-bottom:4px}
.rating{white-space:nowrap;font-weight:850}.star{color:var(--gold)}
.metrics{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:11px;overflow:hidden;margin:20px 0}
.metric{background:#fff;padding:12px}
.metric span{display:block;color:var(--muted);font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;font-weight:800}
.metric strong{display:block;margin-top:4px;font-size:.93rem}
.chips{display:flex;flex-wrap:wrap;gap:7px;margin:15px 0 18px}
.chip{background:#f4f6f8;border:1px solid #e5e7eb;border-radius:999px;padding:6px 9px;font-size:.78rem;font-weight:750;color:#475467}
.card-actions{display:flex;gap:10px;flex-wrap:wrap}
.dark-band{background:var(--navy);color:#fff;border-top:4px solid var(--gold)}
.dark-band .wrap{padding:52px 0;display:flex;justify-content:space-between;gap:28px;align-items:center}
.dark-band p{color:#cbd5e1;max-width:720px}
.fineprint{background:#fbfcfe;color:#747d8b;font-size:.78rem;padding:24px 0;border-top:1px solid var(--line)}
.footer{background:#071424;color:#d9e1e8;padding:36px 0}
.footer .wrap{display:flex;justify-content:space-between;gap:30px}
.footerlinks{display:flex;gap:20px;flex-wrap:wrap;color:#bfcbd6;font-size:.9rem}
.profile{padding:54px 0 72px}
.crumb{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.profile-grid{display:grid;grid-template-columns:1.6fr .8fr;gap:28px}
.panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:var(--shadow)}
.panel + .panel{margin-top:20px}
.sticky{position:sticky;top:94px;height:max-content}
.profile-title{font-size:clamp(2.35rem,4.5vw,4rem);color:var(--navy);margin:0 0 10px}
.notice{background:#fff7e6;border:1px solid #efd69b;color:#765516;border-radius:11px;padding:13px;font-size:.88rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-wrap{display:grid;grid-template-columns:1fr .85fr;gap:24px;align-items:start}
.result-panel{background:var(--navy);color:#fff;border-radius:16px;padding:26px;box-shadow:var(--shadow)}
.result-panel .big{font-size:3.4rem;font-weight:950;color:var(--gold2);letter-spacing:-.055em}
.result-panel .muted{color:#c6d1db}
.scoreline{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid rgba(255,255,255,.14);padding:8px 0}
.admin-shell{padding:44px 0 72px;background:var(--soft);min-height:70vh}
.admin-grid{display:grid;grid-template-columns:280px 1fr;gap:22px}
.admin-nav{background:var(--navy);color:#fff;border-radius:14px;padding:18px;height:max-content;position:sticky;top:92px}
.admin-nav a{display:block;padding:10px 11px;border-radius:8px;color:#d7e0ea;font-weight:750}
.admin-nav a.active,.admin-nav a:hover{background:rgba(214,168,75,.14);color:var(--gold2)}
.admin-table{width:100%;border-collapse:collapse}
.admin-table th,.admin-table td{text-align:left;padding:12px;border-bottom:1px solid var(--line);font-size:.9rem;vertical-align:top}
.badge{display:inline-flex;align-items:center;border-radius:999px;padding:5px 9px;font-size:.76rem;font-weight:900;background:#eef2f6}
.badge.gold{background:#fff0c9;color:#765516}
.badge.green{background:#e8f5ef;color:#116149}
.badge.red{background:#fdecec;color:#b42318}
.modal{position:fixed;inset:0;background:rgba(5,14,27,.7);display:none;align-items:center;justify-content:center;padding:20px;z-index:100}
.modal.open{display:flex}
.modal-card{background:#fff;width:min(880px,100%);max-height:90vh;overflow:auto;border-radius:16px;padding:24px}
.hidden{display:none!important}
@media(max-width:980px){.metrics{grid-template-columns:repeat(3,1fr)}.grid3{grid-template-columns:1fr 1fr}.profile-grid,.calc-wrap,.admin-grid{grid-template-columns:1fr}.admin-nav{position:static}.sticky{position:static}}
@media(max-width:760px){.navlinks a:not(.nav-cta){display:none}.hero .wrap{padding:60px 0 52px}.toolbar,.form-grid{grid-template-columns:1fr}.metrics{grid-template-columns:repeat(2,1fr)}.lender-head,.section-head,.dark-band .wrap,.footer .wrap{display:block}.rating{margin-top:10px}.grid3{grid-template-columns:1fr}.card-actions .btn{width:100%}.dark-band .btn{margin-top:12px}}
@media(max-width:460px){.wrap{width:min(100% - 24px,1180px)}.metrics{grid-template-columns:1fr}.lender-body,.card,.panel{padding:18px}}


/* ===== BLUE + GOLD BRAND OVERRIDES ===== */
.topbar{
  background:linear-gradient(90deg,var(--navy) 0%,var(--blue2) 55%,var(--blue) 100%);
  border-bottom:3px solid var(--gold);
}
.brand span{color:var(--gold2)}
.nav-cta{
  background:var(--gold);
  color:var(--navy)!important;
  box-shadow:0 6px 18px rgba(224,173,50,.24);
}
.hero{
  background:
    radial-gradient(circle at 82% 14%,rgba(245,215,127,.32),transparent 26%),
    radial-gradient(circle at 70% 80%,rgba(47,111,228,.42),transparent 36%),
    linear-gradient(125deg,var(--navy) 0%,var(--blue2) 48%,var(--blue) 100%);
  border-bottom:5px solid var(--gold);
}
.hero .eyebrow,.dark-band .eyebrow{color:var(--gold2)}
.btn.navy{
  background:linear-gradient(135deg,var(--blue2),var(--blue));
  color:#fff;
  box-shadow:0 7px 18px rgba(20,87,217,.18);
}
.btn.navy:hover{background:var(--blue2)}
.btn.gold{
  background:var(--gold);
  color:var(--navy);
  box-shadow:0 7px 18px rgba(224,173,50,.2);
}
.kicker{color:var(--blue)}
.stat{color:var(--blue2)}
.card.gold-edge{
  border-top:5px solid var(--gold);
  box-shadow:0 15px 38px rgba(20,87,217,.08);
}
.section.soft{
  background:linear-gradient(180deg,var(--blue-soft),#f8fbff);
}
.section.cream{
  background:linear-gradient(180deg,#fff9e9,#fffdf7);
}
.toolbar{border-top:4px solid var(--blue)}
.lender-card{
  border-color:#dce5f4;
  box-shadow:0 15px 36px rgba(20,87,217,.07);
}
.lender-card.featured{
  border:2px solid var(--gold);
  box-shadow:0 18px 44px rgba(20,87,217,.12);
}
.lender-ribbon{
  background:linear-gradient(90deg,var(--blue2),var(--blue));
  border-bottom:3px solid var(--gold);
}
.lender-ribbon span:first-child{color:var(--gold2)}
.metric strong{color:var(--navy)}
.chip{
  background:var(--blue-soft);
  border-color:#cfddf6;
  color:var(--blue2);
}
.dark-band{
  background:linear-gradient(115deg,var(--navy),var(--blue2));
  border-top:5px solid var(--gold);
}
.result-panel{
  background:linear-gradient(145deg,var(--navy),var(--blue2));
  border-top:5px solid var(--gold);
}
.panel.gold-edge{border-top:5px solid var(--gold)}
.admin-nav{
  background:linear-gradient(180deg,var(--navy),var(--blue2));
  border-top:4px solid var(--gold);
}
.admin-nav a.active,.admin-nav a:hover{
  background:rgba(224,173,50,.18);
  color:var(--gold2);
}
.footer{
  background:linear-gradient(90deg,var(--navy),#0a2340);
  border-top:4px solid var(--gold);
}
input:focus,select:focus,textarea:focus{
  border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(20,87,217,.14);
}

/* v9.7 lender intelligence */
.transparency-panel{border-top:4px solid var(--gold,#d6a84b)}
.transparency-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:14px 0 18px}
.transparency-grid>div{padding:14px;border:1px solid rgba(15,35,55,.12);border-radius:10px;background:rgba(248,249,250,.72)}
.term-label{display:block;font-size:.76rem;font-weight:800;letter-spacing:.055em;text-transform:uppercase;color:#667085;margin-bottom:5px}
.transparency-grid strong{display:block;line-height:1.32}
@media(max-width:760px){.transparency-grid{grid-template-columns:1fr}}