/* =========================================================
   LUMOLOANS - COMMON RESPONSIVE STYLES
   This file is intended to be shared by every page.
   ========================================================= */

:root{
  --orange:#f15a24;
  --orange-dark:#d94d19;
  --navy:#273740;
  --text:#435761;
  --muted:#68777d;
  --cream:#fffaf4;
  --peach:#ffe7d3;
  --white:#fff;
  --line:#e7ddd5;
  --soft:#fdf7f1;
  --container:1200px;
  --header-height:92px;
  --radius:5px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--navy);
  background:var(--white);
  font-family:Arial,Helvetica,sans-serif;
  -webkit-font-smoothing:antialiased;
}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit}
button{cursor:pointer}
.container{width:min(var(--container),calc(100% - 40px));margin-inline:auto}

/* HEADER - one full-width separation, no link dividers */
.site-header{
  height:var(--header-height);
  background:var(--cream);
  border-bottom:1px solid var(--line);
  position:relative;
  z-index:100;
}
.header-inner{
  height:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:35px;
}
.logo img{width:235px;height:auto;display:block}
.main-nav{
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap:28px;
}
.main-nav a{
  font-size:14px;
  font-weight:600;
  white-space:nowrap;
  transition:color .2s ease;
}
.main-nav a:hover{color:var(--orange)}

.menu-toggle{
  display:none;
  border:0;
  background:transparent;
  padding:8px;
}
.menu-toggle span{
  width:25px;
  height:2px;
  display:block;
  margin:5px 0;
  background:var(--navy);
}

/* HERO */
.hero{background:var(--cream)}
.hero-grid{
  min-height:625px;
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(420px,.88fr);
}
.hero-copy{
  display:flex;
  align-items:center;
  padding:70px max(20px,calc((100vw - var(--container))/2)) 70px 20px;
}
.hero-copy-inner{width:min(570px,100%);margin-left:auto}
.kicker{
  margin:0 0 14px;
  color:var(--orange);
  font-size:11px;
  line-height:1.2;
  font-weight:800;
  letter-spacing:2px;
  text-transform:uppercase;
}
.hero h1{
  margin:0;
  font-size:clamp(42px,4.2vw,58px);
  line-height:1.04;
  letter-spacing:-2.2px;
}
.hero h1 span{color:var(--orange)}
.hero-lead{
  max-width:540px;
  margin:22px 0 28px;
  color:var(--text);
  font-size:17px;
  line-height:1.6;
}
.hero-visual{
  min-height:625px;
  position:relative;
  display:flex;
  align-items:stretch;
  justify-content:stretch;
  padding:0;
  overflow:hidden;
  background:var(--peach);
}
.hero-visual::before{
  content:"";
  position:absolute;
  inset:0;
  z-index:2;
  pointer-events:none;
  background:linear-gradient(90deg, var(--peach) 0%, rgba(249,231,211,.92) 5%, rgba(249,231,211,.35) 17%, rgba(249,231,211,0) 34%);
}
.hero-visual img{
  width:100%;
  height:100%;
  max-width:none;
  object-fit:cover;
  object-position:center center;
  animation:heroArtIn .95s cubic-bezier(.22,1,.36,1) .28s both,
             heroFloat 5s ease-in-out 1.25s infinite;
}

/* FORM */
.loan-form{
  width:min(555px,100%);
  background:var(--white);
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:0 15px 38px rgba(39,55,64,.12);
}
.field{
  padding:14px 26px;
  border-bottom:1px solid var(--line);
}
.field label{
  display:block;
  margin-bottom:5px;
  color:#7d8b91;
  font-size:11px;
}
.field select,.field input{
  width:100%;
  height:31px;
  padding:0;
  border:0;
  outline:0;
  color:var(--navy);
  background:transparent;
  font-size:15px;
}
.field input::placeholder{color:#7d8b91}
.form-note{
  margin:0;
  padding:14px 26px;
  color:#77848a;
  font-size:9px;
  line-height:1.7;
}
.form-note a{text-decoration:underline;color:var(--orange)}
.primary-btn{
  width:100%;
  min-height:66px;
  padding:16px 26px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  border:0;
  color:var(--white);
  background:var(--orange);
  font-size:18px;
  font-weight:700;
  transition:background .2s ease;
}
.primary-btn:hover{background:var(--orange-dark)}
.btn-arrow{font-size:26px}

/* BENEFITS */
.benefits{background:var(--orange);color:var(--white)}
.benefits-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
}
.benefits-grid>div{
  min-height:82px;
  padding:14px 18px;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  font-size:12px;
  font-weight:700;
  border-right:1px solid rgba(255,255,255,.3);
}
.benefits-grid>div:last-child{border-right:0}

/* MODERN SERVICE HIGHLIGHTS */
.benefits-modern{position:relative;padding:18px 0 22px;background:linear-gradient(135deg,#f15a24 0%,#ff6a27 52%,#e9531c 100%);overflow:hidden}
.benefits-modern::before,.benefits-modern::after{content:"";position:absolute;border-radius:50%;pointer-events:none;filter:blur(2px);opacity:.16}
.benefits-modern::before{width:240px;height:240px;left:-100px;top:-150px;background:#fff}
.benefits-modern::after{width:280px;height:280px;right:-120px;bottom:-200px;background:#fff}
.benefits-modern .benefits-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.benefits-modern .benefit-card{min-height:94px;padding:16px 17px;display:flex;align-items:center;justify-content:flex-start;gap:13px;text-align:left;color:var(--navy);background:rgba(255,255,255,.96);border:1px solid rgba(255,255,255,.72);border-radius:16px;box-shadow:0 10px 28px rgba(76,32,15,.14);transition:transform .28s ease,box-shadow .28s ease,background .28s ease}
.benefits-modern .benefit-card:hover{transform:translateY(-5px);box-shadow:0 16px 34px rgba(76,32,15,.2);background:#fff}
.benefit-icon{width:44px;height:44px;flex:0 0 44px;display:grid;place-items:center;border-radius:13px;background:#fff0e7;color:var(--orange);transition:transform .35s ease,background .35s ease}
.benefit-card:hover .benefit-icon{transform:rotate(-4deg) scale(1.08);background:#ffe4d5}
.benefit-icon svg{width:23px;height:23px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.benefit-card strong{display:block;font-size:13px;line-height:1.25;font-weight:800;color:var(--navy)}
.benefit-card span{display:block;margin-top:4px;font-size:10px;line-height:1.35;color:var(--muted)}
.benefits-modern .benefit-card[data-reveal]{transform:translateY(18px);opacity:0}
.benefits-modern .benefit-card[data-reveal].is-visible{transform:none;opacity:1}
@media(max-width:1050px){.benefits-modern .benefits-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.benefits-modern{padding:12px 0 14px}.benefits-modern .benefits-grid{grid-template-columns:1fr;gap:9px}.benefits-modern .benefit-card{min-height:72px;padding:11px 13px;border-radius:13px;gap:11px}.benefit-icon{width:38px;height:38px;flex-basis:38px;border-radius:11px}.benefit-icon svg{width:20px;height:20px}.benefit-card strong{font-size:12px}.benefit-card span{font-size:9px;margin-top:2px}}
@media(prefers-reduced-motion:reduce){.benefits-modern .benefit-card,.benefit-icon{transition:none}.benefits-modern .benefit-card:hover{transform:none}}

/* SECTIONS */
.section{padding:88px 0}
.section-heading{text-align:center;max-width:850px;margin:0 auto 46px}
.section-heading h2,.split-section h2,.centered-content h2{
  margin:0;
  font-size:clamp(31px,3.2vw,43px);
  line-height:1.15;
  letter-spacing:-1px;
}
.steps{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:26px;
}
.step-card{
  position:relative;
  padding:34px 28px 30px;
  background:var(--white);
  border:1px solid #efe4db;
  border-radius:var(--radius);
  text-align:center;
}
.step-card img{
  width:145px;
  height:125px;
  margin:0 auto 18px;
  object-fit:contain;
}
.step-number{
  color:var(--orange);
  font-size:11px;
  font-weight:800;
  letter-spacing:1.5px;
}
.step-card h3{margin:8px 0 12px;font-size:23px}
.step-card p{
  margin:0;
  color:var(--muted);
  font-size:13px;
  line-height:1.75;
}

/* SOFT SECTION */
.soft-section{background:var(--cream)}
.split-section{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:80px;
  align-items:center;
}
.body-copy{
  max-width:720px;
  margin:18px 0 0;
  color:var(--muted);
  font-size:14px;
  line-height:1.85;
}
.check-list{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:15px 25px;
  margin-top:28px;
  color:var(--text);
  font-size:13px;
}
.check-list span{color:var(--orange);font-weight:800;margin-right:8px}
.support-card{
  padding:42px 34px;
  background:var(--white);
  text-align:center;
  border-radius:var(--radius);
  box-shadow:0 12px 32px rgba(39,55,64,.07);
}
.support-card img{width:135px;height:120px;margin:0 auto 20px}
.support-card h3{margin:0 0 12px;font-size:25px}
.support-card p{margin:0;color:var(--muted);font-size:13px;line-height:1.75}

/* PEACH CTA */
.peach-section{background:var(--peach)}
.centered-content{text-align:center;max-width:850px}
.centered-content .body-copy{margin:18px auto 0}
.secondary-btn{
  display:inline-flex;
  align-items:center;
  gap:9px;
  margin-top:25px;
  padding:15px 25px;
  background:var(--orange);
  color:var(--white);
  border-radius:var(--radius);
  font-size:14px;
  font-weight:700;
}
.secondary-btn:hover{background:var(--orange-dark)}

/* FAQ */
.faq-section{background:var(--white)}
.faq-list{max-width:850px;margin:0 auto}
.faq-list details{padding:20px 4px;border-bottom:1px solid var(--line)}
.faq-list summary{
  cursor:pointer;
  font-size:15px;
  font-weight:700;
}
.faq-list p{
  margin:13px 0 0;
  max-width:750px;
  color:var(--muted);
  font-size:13px;
  line-height:1.7;
}

/* RETURNING CUSTOMER */
.returning-customer{
  padding:22px 0;
  background:#f6eee7;
}
.returning-customer .container{
  display:flex;
  justify-content:center;
  align-items:center;
  gap:14px;
  color:var(--text);
  font-size:13px;
  font-weight:700;
}
.returning-customer a{color:var(--orange)}

/* FOOTER */
.site-footer{
  padding:48px 0 23px;
  background:var(--navy);
  color:#c8d2d6;
}
.footer-top{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap:35px;
}
.footer-logo{width:190px;filter:brightness(0) invert(1)}
.footer-nav{
  max-width:800px;
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap:9px 20px;
  font-size:10px;
}
.footer-nav a:hover{color:#fff}
.disclosure{
  margin-top:28px;
  padding-top:20px;
  border-top:1px solid rgba(255,255,255,.14);
  color:#aebbc0;
  font-size:9px;
  line-height:1.8;
}
.footer-bottom{
  margin-top:15px;
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#8f9ea4;
  font-size:9px;
}

/* TABLET */
@media(max-width:900px){
  .main-nav{gap:18px}
  .main-nav a{font-size:13px}
  .hero-grid{grid-template-columns:1fr}
  .hero-copy{padding:65px 20px}
  .hero-copy-inner{margin:auto}
  .hero-visual{min-height:390px;padding:0}
  .hero-visual::before{background:linear-gradient(90deg,var(--peach) 0%,rgba(249,231,211,.25) 18%,rgba(249,231,211,0) 38%)}
  .steps{grid-template-columns:1fr;max-width:600px;margin-inline:auto}
  .split-section{grid-template-columns:1fr;gap:45px}
  .support-card{max-width:500px;margin:auto}
}

/* PHONE */
@media(max-width:700px){
  :root{--header-height:76px}
  .container{width:calc(100% - 30px)}
  .site-header{height:var(--header-height)}
  .logo img{width:190px}
  .menu-toggle{display:block}
  .main-nav{
    position:absolute;
    left:0;
    right:0;
    top:var(--header-height);
    display:none;
    padding:17px 20px 22px;
    flex-direction:column;
    align-items:flex-start;
    gap:0;
    background:var(--white);
    box-shadow:0 12px 25px rgba(0,0,0,.12);
  }
  .main-nav.open{display:flex}
  .main-nav a{
    width:100%;
    padding:13px 0;
    font-size:14px;
  }
  .hero-copy{padding:52px 15px}
  .hero h1{font-size:42px;letter-spacing:-1.6px}
  .hero-lead{font-size:15px}
  .hero-visual{min-height:300px;padding:0}
  .benefits-grid{grid-template-columns:1fr 1fr}
  .benefits-grid>div{min-height:72px}
  .benefits-grid>div:nth-child(2){border-right:0}
  .section{padding:65px 0}
  .section-heading{margin-bottom:32px}
  .check-list{grid-template-columns:1fr}
  .footer-top{display:block}
  .footer-nav{justify-content:flex-start;margin-top:25px}
  .footer-bottom{display:block}
  .footer-bottom span{display:block;margin-top:7px}
}

@media(max-width:430px){
  .hero h1{font-size:37px}
  .loan-form{border-radius:4px}
  .field,.form-note{padding-left:20px;padding-right:20px}
  .primary-btn{padding-inline:20px}
  .benefits-grid{grid-template-columns:1fr}
  .benefits-grid>div{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.3)}
  .benefits-grid>div:last-child{border-bottom:0}
  .step-card{padding-inline:20px}
}


/* =========================================================
   PROFESSIONAL MOTION + LOADING SYSTEM
   ========================================================= */

html.is-loading,
html.is-loading body{overflow:hidden}

.page-loader{
  position:fixed;
  inset:0;
  z-index:9999;
  display:grid;
  place-items:center;
  background:var(--cream);
  opacity:1;
  visibility:visible;
  transition:opacity .55s ease, visibility .55s ease;
}
.page-loader.is-hidden{
  opacity:0;
  visibility:hidden;
  pointer-events:none;
}
.loader-inner{text-align:center}
.loader-logo{
  width:min(230px,58vw);
  margin:0 auto 22px;
  animation:loaderLogo 1.3s ease-in-out infinite alternate;
}
.loader-track{
  width:145px;
  height:3px;
  margin:auto;
  overflow:hidden;
  border-radius:99px;
  background:#eaded4;
}
.loader-bar{
  width:45%;
  height:100%;
  border-radius:inherit;
  background:var(--orange);
  animation:loaderBar 1.05s ease-in-out infinite;
}

@keyframes loaderLogo{
  from{transform:translateY(0);opacity:.72}
  to{transform:translateY(-4px);opacity:1}
}
@keyframes loaderBar{
  0%{transform:translateX(-120%)}
  50%{transform:translateX(120%)}
  100%{transform:translateX(280%)}
}

/* Initial page entrance */
[data-reveal]{
  opacity:0;
  transform:translateY(24px);
  transition:
    opacity .72s cubic-bezier(.22,1,.36,1),
    transform .72s cubic-bezier(.22,1,.36,1);
  transition-delay:var(--delay,0ms);
}
[data-reveal].is-visible{
  opacity:1;
  transform:none;
}

/* Hero entrance */
.hero-copy-inner{
  animation:heroCopyIn .8s cubic-bezier(.22,1,.36,1) .18s both;
}
@keyframes heroCopyIn{
  from{opacity:0;transform:translateY(28px)}
  to{opacity:1;transform:none}
}
@keyframes heroArtIn{
  from{opacity:0;transform:translate(24px,12px) scale(.96)}
  to{opacity:1;transform:none}
}
@keyframes heroFloat{
  0%,100%{translate:0 0}
  50%{translate:0 -8px}
}

/* Interactive polish */
.primary-btn,
.secondary-btn{
  position:relative;
  overflow:hidden;
  isolation:isolate;
}
.primary-btn::before,
.secondary-btn::before{
  content:"";
  position:absolute;
  top:0;
  left:-110%;
  width:55%;
  height:100%;
  background:linear-gradient(105deg,transparent,rgba(255,255,255,.28),transparent);
  transform:skewX(-18deg);
  transition:left .65s ease;
  z-index:-1;
}
.primary-btn:hover::before,
.secondary-btn:hover::before{left:125%}

.primary-btn .btn-arrow,
.secondary-btn span{
  transition:transform .25s ease;
}
.primary-btn:hover .btn-arrow,
.secondary-btn:hover span{transform:translateX(5px)}

.step-card,
.support-card{
  transition:
    transform .35s cubic-bezier(.22,1,.36,1),
    box-shadow .35s ease,
    border-color .35s ease;
}
.step-card:hover{
  transform:translateY(-7px);
  border-color:#f0c8b2;
  box-shadow:0 18px 38px rgba(39,55,64,.10);
}
.support-card:hover{
  transform:translateY(-6px);
  box-shadow:0 18px 38px rgba(39,55,64,.12);
}
.step-card img,
.support-card img{
  transition:transform .45s cubic-bezier(.22,1,.36,1);
}
.step-card:hover img,
.support-card:hover img{transform:translateY(-4px) scale(1.035)}

.benefits-grid>div{
  transition:background .25s ease;
}
.benefits-grid>div:hover{
  background:rgba(255,255,255,.08);
}

.faq-list details{
  transition:padding-left .25s ease, background .25s ease;
}
.faq-list details:hover{
  padding-left:12px;
}
.faq-list summary::marker{color:var(--orange)}

.main-nav a{
  position:relative;
}
.main-nav a::after{
  content:"";
  position:absolute;
  left:0;
  right:100%;
  bottom:-7px;
  height:2px;
  background:var(--orange);
  transition:right .25s ease;
}
.main-nav a:hover::after{right:0}

/* Form focus animation */
.field{
  transition:background .2s ease, box-shadow .2s ease;
}
.field:focus-within{
  background:#fffaf6;
  box-shadow:inset 3px 0 0 var(--orange);
}
.field select,
.field input{
  transition:transform .2s ease;
}
.field:focus-within select,
.field:focus-within input{transform:translateX(2px)}

/* Validation / submit state */
.loan-form.is-submitting{
  pointer-events:none;
}
.primary-btn.is-submitting{
  justify-content:center;
  gap:12px;
}
.primary-btn.is-submitting .btn-arrow{display:none}
.button-spinner{
  width:18px;
  height:18px;
  border:2px solid rgba(255,255,255,.4);
  border-top-color:#fff;
  border-radius:50%;
  animation:spin .7s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}

/* Back-to-top */
.back-to-top{
  position:fixed;
  right:20px;
  bottom:20px;
  z-index:90;
  width:43px;
  height:43px;
  display:grid;
  place-items:center;
  border:1px solid var(--line);
  border-radius:50%;
  background:#fff;
  color:var(--navy);
  box-shadow:0 8px 22px rgba(39,55,64,.12);
  opacity:0;
  visibility:hidden;
  transform:translateY(10px);
  transition:opacity .25s ease,visibility .25s ease,transform .25s ease,background .2s ease;
}
.back-to-top.is-visible{
  opacity:1;
  visibility:visible;
  transform:none;
}
.back-to-top:hover{
  background:var(--orange);
  color:#fff;
  border-color:var(--orange);
}

/* Respect reduced-motion accessibility preference */
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,
  *::before,
  *::after{
    animation-duration:.001ms!important;
    animation-iteration-count:1!important;
    transition-duration:.001ms!important;
  }
  [data-reveal]{opacity:1;transform:none}
}



/* =========================================================
   LumoLoans MASTER FOOTER — shared by every page
   Normal document flow: NOT fixed, NOT sticky, no overlay.
   ========================================================= */
.site-footer{
  position:relative !important;
  inset:auto !important;
  width:100%;
  z-index:1;
  margin:0;
  padding:58px 0 28px;
  background:#444546 !important;
  color:#f1f1f1 !important;
}
.site-footer .container{
  width:min(1280px,calc(100% - 48px));
  margin:0 auto;
}
.site-footer .footer-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:42px;
  padding:0 0 42px;
}
.site-footer .footer-brand{
  display:block;
  flex:0 0 auto;
  text-decoration:none;
}
.site-footer .footer-brand img{
  display:block;
  width:190px;
  height:auto;
  filter:none !important;
}
.site-footer .footer-nav{
  max-width:900px;
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap:10px 22px;
  margin:0;
}
.site-footer .footer-nav a{
  color:#f2f2f2 !important;
  text-decoration:none;
  font-size:13px;
  line-height:1.45;
}
.site-footer .footer-nav a:hover{
  color:#f15a24 !important;
}
.site-footer .footer-disclosure{
  margin-top:0;
  padding-top:24px;
  border-top:1px solid rgba(255,255,255,.18);
  color:#d9dcdd !important;
  font-size:11px;
  line-height:1.75;
}
.site-footer .footer-disclosure p{
  margin:0 0 18px;
}
.site-footer .footer-bottom{
  margin-top:18px;
  padding-top:18px;
  border-top:1px solid rgba(255,255,255,.12);
  color:#bfc4c6 !important;
  font-size:10px;
  text-align:center;
}
@media(max-width:900px){
  .site-footer .footer-top{display:block}
  .site-footer .footer-nav{
    justify-content:flex-start;
    margin-top:28px;
  }
}
@media(max-width:600px){
  .site-footer .container{width:calc(100% - 32px)}
  .site-footer{padding:45px 0 24px}
  .site-footer .footer-brand img{width:170px}
  .site-footer .footer-nav{gap:12px 18px}
  .site-footer .footer-nav a{font-size:12px}
  .site-footer .footer-disclosure{font-size:10px}
}


/* Global page scroll safety */
html{
  min-height:100%;
  height:auto !important;
  overflow-x:hidden !important;
  overflow-y:auto !important;
}
body{
  min-height:100%;
  height:auto !important;
  overflow-x:hidden !important;
  overflow-y:auto !important;
}
html.is-loading body{overflow-y:auto !important;}


/* LumoLoans unified production footer */
.site-footer{
  position:relative !important;
  inset:auto !important;
  width:100% !important;
  background:#444546 !important;
  color:#f1f1f1 !important;
  margin:0 !important;
  z-index:1 !important;
}
.site-footer .footer-brand img,
.site-footer .footer-logo{
  display:block;
  max-width:190px;
  height:auto;
  filter:none !important;
}
.site-footer .footer-nav a,
.site-footer a{
  text-decoration:none;
}
.site-footer .footer-nav a:hover{
  color:#f15a24 !important;
}
html,body{
  min-height:100% !important;
  height:auto !important;
  overflow-x:hidden !important;
  overflow-y:auto !important;
}

/* Final global safety: pages must remain scrollable */
html,body{height:auto!important;min-height:100%!important;overflow-x:hidden!important;overflow-y:auto!important}
.site-footer{position:relative!important;inset:auto!important}


/* Unified Advertiser Disclosure footer applied site-wide */
.site-footer{position:relative;width:100%;background:#444546;color:#eee;padding:58px 0 28px}
.footer-top{display:grid;grid-template-columns:190px 1fr 1fr 1fr;gap:42px;padding-bottom:40px}
.footer-brand{font-size:40px;font-weight:700;letter-spacing:-2px;color:#f15a24;align-self:start}
.footer-brand .light{font-weight:400}
.footer-col{display:flex;flex-direction:column;gap:12px}
.footer-col a{color:#eee;font-size:14px;line-height:1.5}
.footer-col a:hover{color:#f15a24}
.footer-disclosure{border-top:1px solid rgba(255,255,255,.18);padding-top:24px;color:#d8d8d8;font-size:11px;line-height:1.75}
.footer-disclosure p{margin:0 0 16px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:12px;padding-top:18px;text-align:center;color:#bfc0c1;font-size:11px}

@media(max-width:900px){
 .main-nav{display:none}
 .menu-toggle{display:block;border:0;background:transparent;font-size:25px;color:#273740}
 .footer-top{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
 .container{width:calc(100% - 32px)}
 .header-inner{min-height:76px}
 .logo-text{font-size:34px}
 .disclosure-page{padding:48px 0 65px}
 .disclosure-content h1{font-size:36px}
 .disclosure-content p{font-size:15px;line-height:1.75}
 .footer-top{grid-template-columns:1fr;gap:28px}
}

html,body{height:auto!important;min-height:100%!important;overflow-x:hidden!important;overflow-y:auto!important}
.site-footer{position:relative!important;inset:auto!important}

/* Final footer safety: one footer in normal document flow */
.site-footer{position:relative!important;inset:auto!important;bottom:auto!important;top:auto!important}
html,body{height:auto!important;min-height:100%!important;overflow-x:hidden!important;overflow-y:auto!important}

/* Inline application errors: avoid browser alert popups. */
.gs-submit-error{display:none;color:#b53a20;background:#fff1ed;border:1px solid #f0b8aa;border-radius:7px;padding:11px 13px;margin:16px 0;font-size:13px;line-height:1.45}.gs-submit-error:not(:empty){display:block}

/* LumoLoans: SSN field must remain directly interactive. */
.gs-field input[name="ssn"] {
  position: relative;
  z-index: 5;
  pointer-events: auto !important;
  user-select: text;
  -webkit-user-select: text;
}