/* AnchorBorrow - "Harbour Light": petrol teal + sand on a pale canvas, deep ink veil over the top of the harbour photo. */
:root{
  --bg:#F4F2EE;--card:#FFFFFF;--ink:#102227;--text:#1C3036;--muted:#4C5F64;
  --accent:#276B7A;--accent-deep:#1A4C57;--accent-tint:#D7E6EA;--tint2:#AECDD4;--line:#E0DACF;
  --sand:#E0A857;--sand-soft:#F6E7CE;--sand-deep:#8A5F18;
  --foot-bg:#102227;--foot-text:#C9DCE1;--foot-dim:#B6CCD2;--foot-link:#EFBE7A;
  --fd:"Chivo",system-ui,sans-serif;--fb:"Spline Sans",system-ui,sans-serif;--r:10px;--wrap:1140px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.62;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.16;margin:0;font-weight:600}
p,ul,ol{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#F4F2EE;padding:9px 14px;z-index:70;border-radius:var(--r)}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fd);font-weight:500;font-size:12px;letter-spacing:.17em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--fd);font-weight:600;font-size:16px;padding:15px 28px;border-radius:999px;border:1.5px solid transparent;text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-sand{background:var(--sand);color:var(--ink);border-color:var(--sand)}
.btn-sand:hover{background:#EFC482;border-color:#EFC482}
.btn-ghost{background:transparent;color:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost:hover{background:var(--accent-tint)}

/* masthead - wordmark left with the anchor-ring mark, nav right, burger under 860px, wordmark centred on phones */
.mast{position:absolute;top:0;left:0;right:0;z-index:6}
.sub .mast{position:static;background:var(--bg);border-bottom:1px solid var(--line)}
.mast-in{display:flex;align-items:center;gap:24px;height:78px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:11px}
.brand .mark{width:30px;height:30px;flex:0 0 30px}
.wm{font-family:var(--fd);font-weight:700;font-size:22px;letter-spacing:-.015em;color:#F4F2EE}
.wm b{font-weight:500;color:var(--sand)}
.sub .wm{color:var(--ink)}
.sub .wm b{color:var(--accent)}
.nav{display:flex;align-items:center;gap:30px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:500;font-size:15px;color:#E7EFF1;text-decoration:none;padding:5px 0;border-bottom:1.5px solid transparent}
.nav a:hover{border-bottom-color:var(--sand)}
.sub .nav a{color:var(--ink)}
.nb{display:none;width:44px;height:44px;border:1.5px solid rgba(244,242,238,.42);background:rgba(16,34,39,.34);border-radius:10px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:18px;height:2px;background:#F4F2EE;border-radius:2px}
.sub .nb{border-color:var(--line);background:var(--card)}
.sub .nb span{background:var(--ink)}
@media(max-width:860px){
  .mast-in{height:66px;justify-content:center;gap:0}
  .brand{margin:0 auto}
  .nb{display:inline-flex;position:absolute;right:20px;top:50%;transform:translateY(-50%)}
  .nav{display:none;position:absolute;top:60px;left:0;right:0;background:var(--card);border:1px solid var(--line);border-radius:var(--r);flex-direction:column;align-items:stretch;gap:0;padding:4px 0;box-shadow:0 20px 44px rgba(16,34,39,.24);margin:0;z-index:9}
  .nav.open{display:flex}
  .nav a,.sub .nav a{color:var(--ink);padding:13px 18px;border:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
}

/* hero - full-bleed harbour photo, ink veil over the top third fading clear, pale wash under the headline */
.hero{position:relative;padding:128px 0 74px;overflow:hidden;background:var(--ink)}
.hero-bg{position:absolute;inset:0;margin:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:50% 44%}
.hero-veil,.hero-wash{position:absolute;inset:0;z-index:1}
.hero-veil{background:linear-gradient(180deg,rgba(16,34,39,.95) 0%,rgba(16,34,39,.93) 22%,rgba(16,34,39,.84) 40%,rgba(16,34,39,.55) 54%,rgba(16,34,39,.18) 64%,rgba(16,34,39,0) 72%)}
.hero-wash{background:linear-gradient(180deg,rgba(244,242,238,0) 46%,rgba(244,242,238,.30) 58%,rgba(244,242,238,.66) 65%,rgba(244,242,238,.93) 74%,#F4F2EE 84%)}
.hero-in{position:relative;z-index:2;text-align:center}
.hero-eyebrow{font-family:var(--fd);font-weight:500;font-size:13px;letter-spacing:.09em;color:#E7EFF1;margin-bottom:22px}

/* the form card: white, soft shadow, sand hairline above the head, no border */
.form-card{position:relative;background:var(--card);border:0;border-radius:var(--r);box-shadow:0 34px 72px -26px rgba(16,34,39,.58),0 2px 10px rgba(16,34,39,.10);padding:24px 26px 20px;width:100%;max-width:var(--card-max,840px);margin:0 auto;text-align:left}
.form-card__head{position:relative;padding-top:17px}
.form-card__head::before{content:"";position:absolute;left:0;right:0;top:0;height:2px;background:var(--sand);border-radius:2px}
.form-card__head h2{font-size:25px;letter-spacing:-.014em}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:6px}
.form-host{margin-top:16px}
.form-card__trust{margin-top:16px;padding-top:13px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.55}
:root{--card-max:840px;--cta-text:#FFFFFF}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 30px;margin:28px auto 0;padding:0;list-style:none;max-width:860px}
.ticks li{display:inline-flex;align-items:center;gap:9px;font-family:var(--fd);font-weight:500;font-size:14.5px;color:var(--ink)}
.ticks svg{width:17px;height:17px;flex:0 0 17px}
.hero-h1{font-size:clamp(31px,4.7vw,50px);letter-spacing:-.022em;max-width:800px;margin:36px auto 0;color:var(--ink)}
.hero-sub{max-width:664px;margin:15px auto 0;font-size:17px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:96px 0 54px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:20px 16px 16px;border-radius:12px}
  .form-card__head h2{font-size:23px}
  .hero-veil{background:linear-gradient(180deg,rgba(16,34,39,.96) 0%,rgba(16,34,39,.94) 26%,rgba(16,34,39,.86) 46%,rgba(16,34,39,.54) 60%,rgba(16,34,39,.16) 70%,rgba(16,34,39,0) 78%)}
  .hero-wash{background:linear-gradient(180deg,rgba(244,242,238,0) 52%,rgba(244,242,238,.34) 64%,rgba(244,242,238,.72) 71%,rgba(244,242,238,.95) 80%,#F4F2EE 88%)}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:11px 12px;justify-items:start;margin-top:22px}
  .ticks li{font-size:13px;align-items:flex-start;text-align:left}
  .ticks svg{margin-top:2px}
  .hero-eyebrow{font-size:12px;margin-bottom:18px}
  .hero-h1{margin-top:28px}
}

/* recognition strip - tide marks on a pale teal band */
.recog{background:var(--accent-tint);padding:80px 0;border-top:1px solid #C3D8DE;border-bottom:1px solid #C3D8DE}
.recog h2{font-size:clamp(26px,3.4vw,38px);margin-top:11px;letter-spacing:-.018em;max-width:720px}
.tide{list-style:none;margin:32px 0 0;padding:0;max-width:840px;border-top:1px solid rgba(26,76,87,.24)}
.tide li{display:flex;align-items:center;gap:18px;padding:16px 0;border-bottom:1px solid rgba(26,76,87,.24);font-family:var(--fd);font-weight:500;font-size:clamp(18px,2.4vw,23px);line-height:1.32;color:var(--accent-deep)}
.tide li::before{content:"";flex:0 0 auto;width:3px;height:26px;background:var(--sand);border-radius:2px}
.tide li:last-child{color:var(--ink);font-weight:700}
.recog-close{margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px 34px}
.recog-close p{max-width:620px;font-size:16.5px;color:var(--text)}
@media(max-width:700px){.recog{padding:60px 0}.tide li{gap:14px;padding:14px 0}}

/* statement band - breakwater photo under an ink veil from the left */
.band{position:relative;overflow:hidden;background:var(--ink);color:#EAF2F3}
.band-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(16,34,39,.95) 0%,rgba(16,34,39,.90) 46%,rgba(16,34,39,.46) 78%,rgba(16,34,39,.20) 100%)}
.band-in{position:relative;z-index:1;padding:106px 0;max-width:580px}
.band .eyebrow{color:var(--sand)}
.band h2{color:#F4F2EE;font-size:clamp(28px,3.9vw,44px);margin-top:13px;letter-spacing:-.02em}
.band p{margin-top:17px;font-size:17px;color:#DCE8EA;max-width:510px}
.band-link{display:inline-flex;align-items:center;gap:9px;margin-top:26px;font-family:var(--fd);font-weight:600;font-size:15px;color:var(--foot-link);text-decoration:none;border-bottom:1.5px solid rgba(239,190,122,.5);padding-bottom:4px}
.band-link:hover{border-bottom-color:var(--foot-link)}
@media(max-width:760px){.band-veil{background:linear-gradient(180deg,rgba(16,34,39,.94),rgba(16,34,39,.88))}.band-in{padding:66px 0}}

/* how it works - three mooring posts standing on a sand rule */
.hiw{padding:94px 0 88px}
.sec-head{max-width:740px}
.sec-head h2{font-size:clamp(27px,3.6vw,41px);margin-top:11px;letter-spacing:-.02em}
.sec-head p{margin-top:13px;color:var(--muted);font-size:17px}
.posts{position:relative;margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:0 44px}
.posts::after{content:"";position:absolute;left:0;right:0;top:117px;height:2px;background:var(--sand);border-radius:2px}
.post{position:relative;z-index:1}
.post-mark{height:117px;display:flex;align-items:flex-end}
.post-mark svg{width:54px;height:117px}
.post-body{padding-top:26px}
.post-n{display:block;font-family:var(--fd);font-weight:700;font-size:13px;letter-spacing:.2em;color:var(--accent)}
.post h3{font-size:21px;margin-top:9px;letter-spacing:-.012em}
.post p{margin-top:9px;color:var(--text);font-size:16px}
.post-out{margin-top:13px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-deep)}
@media(max-width:820px){
  .hiw{padding:66px 0 60px}
  .posts{grid-template-columns:1fr;gap:0;margin-top:34px}
  .posts::after{display:none}
  .post{display:grid;grid-template-columns:52px 1fr;gap:0 18px;align-items:center;padding:22px 0;border-bottom:1px solid var(--line)}
  .post:first-child{border-top:1px solid var(--line)}
  .post-mark{height:auto;align-items:center}
  .post-mark svg{width:36px;height:78px}
  .post-body{padding-top:0}
}

/* why band - the quay artwork on ink */
.why{background:var(--ink);color:var(--foot-text);padding:94px 0;overflow:hidden}
.why-grid{display:grid;grid-template-columns:1.02fr 1fr;gap:58px;align-items:center}
.why .eyebrow{color:var(--sand)}
.why h2{color:#F4F2EE;font-size:clamp(27px,3.6vw,41px);margin-top:11px;letter-spacing:-.02em}
.why-lead{margin-top:15px;color:var(--foot-dim);font-size:16.5px}
.trio{list-style:none;margin:28px 0 0;padding:0;border-top:1px solid rgba(201,220,225,.2)}
.trio li{display:grid;grid-template-columns:26px 1fr;gap:14px;padding:19px 0;border-bottom:1px solid rgba(201,220,225,.2)}
.trio svg{width:24px;height:24px;margin-top:3px}
.trio h3{color:#F4F2EE;font-size:19px}
.trio p{margin-top:7px;color:var(--foot-dim);font-size:15.5px}
.art{width:100%;border-radius:var(--r)}
@media(max-width:920px){.why{padding:66px 0}.why-grid{grid-template-columns:1fr;gap:34px}.art{max-width:560px;margin:0 auto}}

/* faq - two tiers, question over a sand hairline, answer below */
.faq{padding:94px 0 88px}
.faq-list{margin-top:42px;display:grid;grid-template-columns:1fr 1fr;gap:0 56px}
.frow{padding:24px 0;border-bottom:1px solid var(--line)}
.frow:first-child,.frow:nth-child(2){border-top:1px solid var(--line)}
.frow h3{font-size:19.5px;line-height:1.3;letter-spacing:-.01em;padding-bottom:13px;border-bottom:1px solid rgba(224,168,87,.75)}
.frow p{padding-top:13px;color:var(--text);font-size:16px}
@media(max-width:820px){.faq{padding:66px 0 60px}.faq-list{grid-template-columns:1fr;gap:0}.frow:nth-child(2){border-top:0}}

/* closing call - solid petrol teal */
.close{background:var(--accent);padding:86px 0}
.close-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.close .eyebrow{color:var(--sand-soft)}
.close h2{color:#fff;font-size:clamp(27px,3.6vw,41px);letter-spacing:-.02em;margin-top:11px}
.close p{margin-top:12px;color:#E2F0F2;max-width:600px}
@media(max-width:820px){.close{padding:62px 0}.close-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:66px 0 42px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:26px 44px;align-items:start;padding-bottom:28px;border-bottom:1px solid rgba(201,220,225,.18)}
.foot .wm{color:#F4F2EE}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:12px;color:var(--foot-dim);max-width:520px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-right{display:flex;flex-direction:column;align-items:flex-end;gap:14px}
.foot-mail{font-family:var(--fd);font-weight:500;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(239,190,122,.5);padding-bottom:3px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.foot-nav{display:flex;flex-wrap:wrap;gap:6px 22px}
.foot-nav a{font-family:var(--fd);font-weight:500;font-size:14px;text-decoration:none;color:var(--foot-text)}
.foot-nav a:hover{color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 0;margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:500;font-size:14px;padding:4px 15px;border-left:1px solid rgba(201,220,225,.3)}
.legal-links a:first-child{padding-left:0;border-left:0}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(201,220,225,.18)}
.disc p{color:var(--foot-dim);font-size:13px;line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#F4F2EE;font-weight:600}
.disc a{color:var(--foot-link)}
@media(max-width:820px){.foot-top{grid-template-columns:1fr}.foot-right{align-items:flex-start}.legal-links a{padding:4px 11px}}

/* subpage prose - how-it-works, contact, privacy, terms, unsubscribe, do-not-sell, 404 */
.sub main{background:var(--bg)}
.prose{max-width:720px;padding:58px 20px 92px}
.prose h1{font-size:clamp(31px,4.4vw,44px);letter-spacing:-.022em}
.prose .updated{margin-top:11px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{position:relative;font-size:23px;margin-top:42px;padding-top:26px;border-top:1px solid var(--line);letter-spacing:-.014em}
.prose h2::before{content:"";position:absolute;left:0;top:-1px;width:54px;height:2px;background:var(--sand)}
.prose p{margin-top:14px;line-height:1.72}
.prose ul{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.66;padding-left:4px}
.prose li::marker{color:var(--sand-deep)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose .btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose a.btn.btn-primary{color:#fff;text-decoration:none}
.prose a.btn.btn-ghost{color:var(--accent-deep);text-decoration:none}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}