:root{
  --navy:#071a33;
  --navy2:#0d2748;
  --blue:#315cff;
  --blue2:#5b7cff;
  --ink:#172033;
  --muted:#687386;
  --line:#e8edf4;
  --light:#f6f8fc;
  --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
.navbar{background:rgba(7,26,51,.97)!important;padding:14px 0;box-shadow:0 5px 24px rgba(4,17,35,.12)}
.navbar-brand{display:flex;align-items:center}
.site-logo{height:58px;width:auto;display:block;filter:drop-shadow(0 4px 10px rgba(0,0,0,.12))}
.navbar .nav-link{color:#dbe5f2!important;font-weight:600;font-size:14px;padding:10px 12px!important}
.navbar .nav-link:hover{color:#fff!important}
.navbar .btn{font-weight:700;padding:11px 20px;border-radius:8px}
.btn-primary{background:var(--blue);border-color:var(--blue);font-weight:700}
.btn-primary:hover{background:#2349e8;border-color:#2349e8}
.hero{position:relative;min-height:690px;display:flex;align-items:center;overflow:hidden;background:linear-gradient(110deg,#06162d 0%,#0b2748 58%,#16365b 100%);color:#fff}
.hero:after{content:"";position:absolute;right:-180px;top:-220px;width:620px;height:620px;border:1px solid rgba(255,255,255,.09);border-radius:50%;box-shadow:0 0 0 90px rgba(255,255,255,.025),0 0 0 180px rgba(255,255,255,.018)}
.hero .container{position:relative;z-index:2}
.hero-label,.section-label{display:inline-block;font-size:12px;font-weight:800;letter-spacing:2.5px;color:#6d8cff}
.hero h1{font-size:clamp(46px,6vw,78px);font-weight:850;letter-spacing:-2.5px;line-height:1.03;margin:14px 0 22px;max-width:850px}
.hero h1 span{color:#6d8cff}
.hero p{font-size:20px;line-height:1.65;color:#d5e0ef;max-width:720px}
.hero .btn{padding:14px 24px;border-radius:8px;font-size:15px}
.section-pad{padding:100px 0}
h1,h2,h3,h4{font-weight:800;letter-spacing:-.5px}
h2{font-size:clamp(32px,4vw,48px);line-height:1.12}
.section-intro{max-width:700px;margin:auto}
.text-muted{color:var(--muted)!important}
.service-card{height:100%;padding:34px;border:1px solid var(--line);border-radius:16px;background:#fff;transition:.25s;box-shadow:0 8px 28px rgba(16,34,60,.04)}
.service-card:hover{transform:translateY(-7px);box-shadow:0 20px 45px rgba(16,34,60,.10);border-color:#d8e1f0}
.service-card h4{margin-top:16px;font-size:22px}
.service-card p{color:var(--muted);margin-bottom:0}
.service-icon{width:48px;height:48px;border-radius:12px;background:#eef2ff;color:var(--blue);display:grid;place-items:center;font-weight:800}
.section-dark{background:var(--navy);color:#fff}
.employer-panel{background:linear-gradient(120deg,#0b2748,#071a33);border-radius:24px;padding:60px;overflow:hidden;position:relative}
.employer-panel:after{content:"";position:absolute;width:360px;height:360px;border:1px solid rgba(255,255,255,.08);border-radius:50%;right:-100px;top:-150px}
.process-number{font-size:34px;font-weight:850;color:var(--blue)}
.process-item{padding:25px 10px}
.stat-card{padding:30px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 10px 30px rgba(16,34,60,.05)}
.cta-section{background:var(--light);padding:85px 0}
.card{border-radius:16px}
.form-control,.form-select{border:1px solid #dfe5ee;border-radius:9px;padding:12px 14px}
.form-control:focus,.form-select:focus{border-color:#8ea2ff;box-shadow:0 0 0 .2rem rgba(49,92,255,.12)}
.form-label{font-weight:700;font-size:14px}
.job-card{border:1px solid var(--line);box-shadow:0 10px 30px rgba(20,35,60,.06);border-radius:16px;transition:.2s}
.job-card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(20,35,60,.10)}
footer{background:#06162d!important}
.footer-link{color:#aebbd0;text-decoration:none;display:block;margin-bottom:9px}
.footer-link:hover{color:#fff}
footer hr{border-color:rgba(255,255,255,.12)}
@media(max-width:768px){
 .site-logo{height:48px}
 .hero{min-height:640px}
 .hero h1{font-size:45px;letter-spacing:-1.5px}
 .hero p{font-size:17px}
 .section-pad{padding:70px 0}
 .employer-panel{padding:35px 25px;border-radius:18px}
}
.hero-visual{background:#f6f8fc;position:relative;overflow:hidden}
.hero-visual img{width:100%;height:auto;display:block}
.hero-overlay-actions{position:absolute;left:4.4%;bottom:8.5%;display:flex;gap:10px}
.hero-overlay-actions .btn{box-shadow:0 8px 22px rgba(7,26,51,.18);font-weight:800}
.section-dark{background:linear-gradient(120deg,#071a33,#0d2748)}
.payroll-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:10px}
.payroll-card>div{padding:20px;border-bottom:1px solid rgba(255,255,255,.1)}
.payroll-card>div:last-child{border-bottom:0}
.payroll-card strong,.payroll-card span{display:block}
.payroll-card strong{color:#fff;font-size:18px}
.payroll-card span{color:#b9c8da;font-size:14px;margin-top:4px}
@media(max-width:768px){.hero-overlay-actions{position:static;padding:14px 15px;background:#f6f8fc}.hero-overlay-actions .btn{flex:1;font-size:14px;padding:11px 10px}.hero-overlay-actions .ms-2{margin-left:0!important}}

/* GRFS v2 professional layout */
.btn{border-radius:10px;font-weight:750;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.btn:hover{transform:translateY(-2px)}
.btn-arrow{display:inline-flex;align-items:center;gap:12px}.btn-arrow span{font-size:1.2em;line-height:1}
.nav-cta{padding:10px 17px!important}.nav-cta span{margin-left:7px}
.page-hero{padding:92px 0 86px;background:linear-gradient(135deg,#071a33,#0d3158);color:#fff}
.page-hero h1{font-size:clamp(40px,5vw,64px);max-width:900px;line-height:1.08;margin:12px 0 18px;letter-spacing:-1.8px}
.page-hero p{font-size:19px;color:#d7e4f2;max-width:760px}
.service-card-pro{padding:28px;min-height:255px}.service-top{display:flex;justify-content:space-between;align-items:center}
.service-number{font-size:12px;font-weight:850;letter-spacing:2px;color:var(--blue)}
.service-card-pro .service-icon{border-radius:50%;width:38px;height:38px;background:#f0f3ff}
.service-card-pro h3{font-size:23px;margin-top:35px}.service-card-pro p{font-size:15px}
.service-feature{border-radius:20px;background:#f4f7fb;border:1px solid #e2e8f1;padding:35px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.service-feature p{max-width:650px;color:var(--muted);margin:0}
.hero-actions-wrap{background:#f7f9fc;border-bottom:1px solid #e8edf4}
.hero-actions{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#dfe5ee}
.hero-action{background:#fff;text-decoration:none;color:var(--ink);padding:23px 28px;display:flex;align-items:center;justify-content:space-between;gap:15px}
.hero-action span{font-size:12px;text-transform:uppercase;letter-spacing:1.8px;color:var(--muted);font-weight:800}
.hero-action b{font-size:17px}.hero-action i{font-style:normal;color:var(--blue);margin-left:8px}.hero-action.primary{background:#eef3ff}
.payroll-service-card{height:100%;padding:27px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 10px 30px rgba(16,34,60,.05)}
.payroll-service-icon{width:46px;height:46px;border-radius:13px;background:#edf2ff;color:var(--blue);display:grid;place-items:center;font-size:12px;font-weight:900;margin-bottom:22px}
.payroll-service-card h3{font-size:20px}.payroll-service-card p{color:var(--muted);font-size:14px;margin:0}
.feature-list{margin-top:25px}.feature-list>div{display:flex;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}.feature-list strong{color:var(--blue);width:28px}.feature-list span{font-weight:650}
.portal-preview{background:#fff;border:1px solid #dfe6f0;border-radius:24px;overflow:hidden;box-shadow:0 25px 70px rgba(10,35,70,.12)}
.portal-head{padding:18px 24px;background:#071a33;color:#fff;display:flex;justify-content:space-between;font-weight:800}.portal-head span:last-child{color:#b9c8da;font-weight:600}
.portal-body{padding:34px}.portal-avatar{width:58px;height:58px;border-radius:16px;background:#eef2ff;color:var(--blue);display:grid;place-items:center;font-weight:900}.portal-row{display:flex;justify-content:space-between;padding:15px 0;border-bottom:1px solid var(--line);font-size:14px}.portal-row span{color:var(--muted)}
.timeline-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);border-radius:20px;padding:12px}.timeline-card>div{display:flex;align-items:center;gap:20px;padding:18px;border-bottom:1px solid rgba(255,255,255,.1)}.timeline-card>div:last-child{border-bottom:0}.timeline-card b{color:#6d8cff}.timeline-card span{color:#e6edf6;font-weight:650}
.contact-mini{margin-top:30px;border-top:1px solid var(--line)}.contact-mini>div{padding:16px 0;border-bottom:1px solid var(--line)}.contact-mini b,.contact-mini span,.contact-mini a{display:block}.contact-mini b{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;color:var(--muted)}.contact-mini a{color:var(--ink);font-weight:800;text-decoration:none}
.form-card{border-radius:20px!important}.auth-page{min-height:72vh;background:#f6f8fc;display:grid;place-items:center;padding:60px 20px}.auth-card{width:min(470px,100%);background:#fff;border:1px solid var(--line);border-radius:22px;padding:42px;box-shadow:0 25px 70px rgba(16,34,60,.1)}.auth-brand{font-weight:900;font-size:22px;color:var(--navy)}.auth-brand span{display:block;font-size:12px;letter-spacing:1.6px;text-transform:uppercase;color:var(--muted);margin-top:4px}.auth-card h1{margin-top:35px}
.dashboard-head{display:flex;justify-content:space-between;align-items:flex-start;gap:20px}.profile-line{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-bottom:1px solid var(--line);font-size:14px}.profile-line span{color:var(--muted)}.document-row{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:14px 0;border-bottom:1px solid var(--line)}.document-row strong,.document-row small{display:block}.document-row small{color:var(--muted);margin-top:2px}.empty-state{background:#f7f9fc;border:1px dashed #d7dfeb;border-radius:12px;padding:22px;color:var(--muted)}
@media(max-width:768px){.hero-actions{grid-template-columns:1fr}.hero-action{padding:18px 20px}.service-feature{display:block}.service-feature .btn{margin-top:22px}.dashboard-head{align-items:stretch;flex-direction:column}.auth-card{padding:30px}.page-hero{padding:65px 0 60px}}

/* GRFS final professional homepage refresh */
:root{
 --grfs-navy:#0b2340;
 --grfs-blue:#1769d2;
 --grfs-green:#22a447;
 --grfs-ink:#142238;
 --grfs-muted:#687587;
 --grfs-line:#e5eaf1;
}
body{color:var(--grfs-ink);background:#fff}
.hero-image-section{background:#f4f7fb;overflow:hidden}
.hero-image-section img{width:100%;height:auto;display:block}
.hero-cta-bar{background:#fff;border-bottom:1px solid var(--grfs-line);position:relative}
.hero-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:38px;padding:30px 0}
.hero-cta-copy{max-width:700px}
.hero-cta-copy h2{font-size:clamp(24px,3vw,36px);letter-spacing:-.7px;margin:7px 0 8px;font-weight:800}
.hero-cta-copy p{margin:0;color:var(--grfs-muted);font-size:15px;max-width:650px}
.hero-cta-buttons{display:flex;flex-wrap:wrap;gap:10px;justify-content:flex-end}
.hero-cta-buttons .btn{min-width:150px}
.section-label{font-size:11px;letter-spacing:2.4px;font-weight:850;color:var(--grfs-blue)}
.btn{border-radius:9px!important;font-weight:750;letter-spacing:.05px;box-shadow:none!important}
.btn-primary{background:var(--grfs-blue);border-color:var(--grfs-blue)}
.btn-primary:hover{background:#1259b5;border-color:#1259b5}
.btn-dark{background:var(--grfs-navy);border-color:var(--grfs-navy)}
.btn-outline-dark{border-width:1.5px}
.btn-arrow{display:inline-flex;align-items:center;justify-content:center;gap:12px}
.btn-arrow span{font-size:1.15em;transition:transform .2s ease}
.btn-arrow:hover span{transform:translateX(3px)}
.navbar{padding-top:18px!important;padding-bottom:18px!important}
.navbar .nav-link{font-weight:650}
.navbar .btn{padding:10px 16px!important}
.page-hero{background:linear-gradient(120deg,#091e38 0%,#123b67 100%);padding:90px 0 80px}
.service-card-pro,.payroll-service-card{transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.service-card-pro:hover,.payroll-service-card:hover{transform:translateY(-4px);box-shadow:0 18px 45px rgba(11,35,64,.09);border-color:#d5deea}
.service-feature{border-radius:18px!important}
@media(max-width:991px){
 .hero-cta-inner{display:block;padding:26px 0}
 .hero-cta-buttons{justify-content:flex-start;margin-top:20px}
}
@media(max-width:575px){
 .hero-image-section img{min-height:0}
 .hero-cta-copy h2{font-size:25px}
 .hero-cta-buttons{display:grid;grid-template-columns:1fr;gap:9px}
 .hero-cta-buttons .btn{width:100%;min-width:0}
 .hero-cta-buttons .btn-lg{font-size:15px;padding:12px 15px}
}

/* GRFS loan / DSA page */
.loan-hero{background:radial-gradient(circle at 85% 10%,rgba(34,164,71,.2),transparent 28%),linear-gradient(120deg,#081d35,#123b67)}
.loan-hero h1{max-width:850px}
.loan-hero-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.loan-hero-pills span{padding:8px 13px;border:1px solid rgba(255,255,255,.2);border-radius:999px;color:#e8f0f8;background:rgba(255,255,255,.05);font-size:13px;font-weight:700}
.loan-product-card{height:100%;border:1px solid var(--grfs-line);border-radius:20px;padding:30px;background:#fff;box-shadow:0 12px 35px rgba(11,35,64,.05);transition:.2s}
.loan-product-card:hover{transform:translateY(-4px);box-shadow:0 20px 50px rgba(11,35,64,.1)}
.loan-product-card h3{font-size:27px;margin:18px 0 10px}.loan-product-card p{color:var(--grfs-muted);min-height:72px}
.loan-product-card ul{padding-left:19px;color:#566477;line-height:1.9;min-height:120px}
.loan-product-tag{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:14px;background:#edf3ff;color:var(--grfs-blue);font-weight:900;font-size:13px}
.loan-product-tag.green{background:#edf9f0;color:#16843a}.loan-product-tag.gold{background:#fff7df;color:#9a6b00}
.loan-process{display:grid;gap:10px}.loan-process>div{display:grid;grid-template-columns:48px 170px 1fr;align-items:center;gap:15px;padding:17px 18px;background:#fff;border:1px solid var(--grfs-line);border-radius:13px}.loan-process b{width:38px;height:38px;display:grid;place-items:center;border-radius:10px;background:#edf3ff;color:var(--grfs-blue);font-size:12px}.loan-process strong{font-size:15px}.loan-process span{font-size:14px;color:var(--grfs-muted)}
.doc-card{height:100%;border:1px solid var(--grfs-line);border-radius:19px;padding:28px;background:#fff}.doc-card-head{display:flex;align-items:center;gap:15px;border-bottom:1px solid var(--grfs-line);padding-bottom:20px;margin-bottom:18px}.doc-card-head h3{font-size:20px;margin:0}.check-list{list-style:none;padding:0;margin:0}.check-list li{position:relative;padding:9px 0 9px 28px;border-bottom:1px dashed #e6ebf1;color:#4e5d70;font-size:14px}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--grfs-green);font-weight:900}
.notice-box{border:1px solid #dce7f5;background:#f5f9ff;border-radius:13px;padding:17px 20px;color:#536174;font-size:14px}
.rate-table-wrap{border:1px solid rgba(255,255,255,.14);border-radius:17px;overflow:hidden;background:rgba(255,255,255,.04)}.rate-table{color:#eef5ff}.rate-table th{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:#b7c8dc;background:rgba(255,255,255,.05);padding:14px}.rate-table td{padding:14px;border-color:rgba(255,255,255,.09);font-size:13px;vertical-align:middle}.rate-table td:last-child{font-weight:800;color:#d9f2e0}
.rate-note{font-size:12px;line-height:1.7}
.loan-contact-points{display:grid;gap:10px;margin-top:28px}.loan-contact-points span{padding:15px 17px;border:1px solid var(--grfs-line);border-radius:12px;background:#fff}.loan-contact-points b{display:block;font-size:14px}.loan-contact-points span{color:var(--grfs-muted);font-size:13px}.loan-contact-points b{color:var(--grfs-ink);margin-bottom:3px}
.loan-disclaimer{border-left:4px solid var(--grfs-blue);background:#f7f9fc;padding:24px 26px;border-radius:0 14px 14px 0}.loan-disclaimer h3{font-size:18px}.loan-disclaimer p{margin:0;color:var(--grfs-muted);font-size:13px;line-height:1.8}

@media(max-width:767px){.loan-process>div{grid-template-columns:42px 1fr}.loan-process span{grid-column:2}.loan-home-strip .container{display:block}.loan-home-strip .btn{margin-top:20px}.rate-table-wrap{overflow-x:auto}.rate-table{min-width:700px}}

/* V5 legal pages + homepage loan exploration */


/* V6 homepage loan section — one clean section only */
.loan-explore-section{padding:64px 0;background:#f7f9fc;border-top:1px solid var(--grfs-line);border-bottom:1px solid var(--grfs-line)}
.loan-explore-head{display:flex;align-items:flex-end;justify-content:space-between;gap:32px;margin-bottom:28px}
.loan-explore-head h2{font-size:clamp(28px,3.6vw,42px);line-height:1.12;letter-spacing:-1px;margin:8px 0 8px;font-weight:800}
.loan-explore-head p{margin:0;color:var(--grfs-muted);font-size:15px;max-width:700px}
.loan-explore-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.loan-explore-card{display:flex;align-items:center;gap:17px;padding:24px;background:#fff;border:1px solid #dfe5ed;border-radius:16px;text-decoration:none;color:var(--grfs-ink);min-height:142px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.loan-explore-card:hover{transform:translateY(-3px);box-shadow:0 15px 40px rgba(11,35,64,.08);border-color:#cbd7e5;color:var(--grfs-ink)}
.loan-explore-card h3{font-size:21px;margin:4px 0 5px;font-weight:800}.loan-explore-card p{font-size:13px;line-height:1.5;color:var(--grfs-muted);margin:0}
.loan-card-kicker{font-size:9px;letter-spacing:1.7px;font-weight:850;color:var(--grfs-blue)}
.loan-explore-card>b{margin-left:auto;color:var(--grfs-blue);font-size:21px}
.loan-mini-tag{flex:0 0 48px;width:48px;height:48px;border-radius:14px;background:#edf3ff;color:var(--grfs-blue);display:grid;place-items:center;font-size:12px;font-weight:900}
.loan-mini-tag.green{background:#edf9f0;color:#16843a}.loan-mini-tag.gold{background:#fff7df;color:#9a6b00}
@media(max-width:991px){.loan-explore-grid{grid-template-columns:1fr 1fr}.loan-explore-head{align-items:flex-start}}
@media(max-width:767px){.loan-explore-section{padding:45px 0}.loan-explore-head{display:block}.loan-explore-head .btn{margin-top:18px;width:100%}.loan-explore-grid{grid-template-columns:1fr}.loan-explore-card{min-height:118px;padding:19px}}

/* V7: loan services positioned immediately before final contact CTA */
.loan-explore-section{position:relative}
.loan-explore-section + .cta-section{border-top:0}

/* V8 final loan section */
.loan-explore-section a{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.loan-explore-section a:hover{transform:translateY(-3px);box-shadow:0 16px 38px rgba(15,35,60,.10)!important}
@media(max-width:575px){
 .loan-explore-section{padding:45px 0!important}
 .loan-explore-section h2{font-size:31px!important}
 .loan-explore-section .btn{width:100%;font-size:15px}
 .loan-explore-section a.d-flex{min-height:126px!important;padding:19px!important}
 .loan-explore-section a strong{font-size:19px!important}
}



/* V10 — Professional footer legal navigation */
.footer-legal{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.10)}
.footer-legal-title{font-size:11px;line-height:1;text-transform:uppercase;letter-spacing:2px;font-weight:800;color:rgba(255,255,255,.48);margin-bottom:13px}
.footer-legal-links{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.footer-legal-links a{display:inline-flex;align-items:center;gap:13px;padding:9px 13px;border:1px solid rgba(255,255,255,.14);border-radius:8px;background:rgba(255,255,255,.035);font-size:12px;line-height:1.2;color:rgba(255,255,255,.78);text-decoration:none;transition:all .18s ease}
.footer-legal-links a:hover{color:#fff;border-color:rgba(255,255,255,.28);background:rgba(255,255,255,.07);transform:translateY(-1px)}
.footer-legal-links .legal-arrow{font-size:14px;opacity:.55}
@media(max-width:575px){.footer-legal-links{display:grid;grid-template-columns:1fr;max-width:270px}.footer-legal-links a{justify-content:space-between;padding:10px 12px}}