/* The Loan Bay - harbor register: deep marine + sand gold on warm off-white, rope-line dividers, 12px radii */
:root{--bg:#F7F4EE;--card:#FFFFFF;--ink:#14232E;--text:#14232E;--muted:#4D5D6A;--accent:#1B4F72;--accent-deep:#133A55;--accent-tint:#E4EDF3;--tint2:#C5D8E6;--line:#E4DFD4;--sand:#D9B36A;--sand-deep:#7F5F25;--sand-pale:#F6EEDC;--foot-bg:#0D1B25;--foot-text:#D3DCE4;--foot-link:#D9B36A;--fd:"DM Serif Display",Georgia,serif;--fb:"DM Sans",system-ui,sans-serif;--r:12px;--wrap:1120px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.6 var(--fb);overflow-x:clip}
img,svg{max-width:100%;display:block}
a{color:var(--accent)}
h1,h2,h3{font-family:var(--fd);font-weight:400;line-height:1.12;margin:0;letter-spacing:-.005em}
p{margin:0}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--ink);padding:8px 12px;z-index:100;border-radius:6px}
.skip:focus{left:8px;top:8px}
.rope{height:5px;border-radius:3px;background:repeating-linear-gradient(-55deg,var(--sand) 0 5px,#B48F45 5px 8px,transparent 8px 13px)}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:700 12px/1.2 var(--fb);letter-spacing:.16em;text-transform:uppercase;color:var(--sand-deep)}
.eyebrow::before{content:"";flex:0 0 auto;width:26px;height:4px;border-radius:2px;background:repeating-linear-gradient(-55deg,var(--sand) 0 4px,transparent 4px 7px)}
.dark .eyebrow{color:var(--sand)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 24px;border-radius:10px;font:600 15px/1.2 var(--fb);text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-deep);color:#fff}
.btn-ghost{border-color:var(--accent);color:var(--accent);background:transparent}
.btn-ghost:hover{background:var(--accent-tint)}
.btn-sand{background:var(--sand);color:var(--ink)}
.btn-sand:hover{background:#E6C480;color:var(--ink)}
.btn svg{width:16px;height:16px}

/* header */
.hd{background:var(--accent-deep);color:#fff;position:relative;z-index:20}
.hd::after{content:"";display:block;height:4px;background:repeating-linear-gradient(-55deg,var(--sand) 0 5px,#9C7A35 5px 8px,var(--accent-deep) 8px 12px)}
.hd-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:#fff}
.brand svg{width:34px;height:34px;flex:0 0 auto}
.wm{font:400 24px/1 var(--fd);color:#fff;letter-spacing:-.01em}
.wm b{font-weight:400;color:var(--sand)}
.nav{display:flex;gap:26px}
.nav a{color:#E6EEF4;text-decoration:none;font:500 15px/1 var(--fb);padding:8px 0;border-bottom:2px solid transparent}
.nav a:hover{border-color:var(--sand);color:#fff}
.burger{display:none;background:none;border:0;padding:10px;cursor:pointer;width:46px;height:46px;flex-direction:column;justify-content:center;gap:5px}
.burger span{display:block;height:2px;width:24px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
@media(max-width:860px){
.burger{display:flex}
.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--accent-deep);flex-direction:column;gap:0;padding:6px 20px 14px;border-top:1px solid rgba(255,255,255,.12);box-shadow:0 18px 30px rgba(5,15,25,.35)}
.hd.open .nav{display:flex}
.nav a{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:16px}
.hd.open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hd.open .burger span:nth-child(2){opacity:0}
.hd.open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

/* hero: marina photo under a deep-marine veil, form-first single column */
.hero{position:relative;color:#fff;padding:34px 0 62px;overflow:hidden;background:var(--accent-deep)}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center}
.hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(13,27,37,.86) 0%,rgba(19,58,85,.8) 55%,rgba(13,27,37,.93) 100%)}
.hero .wrap{position:relative;z-index:2;text-align:center}
.pill{display:inline-flex;align-items:center;gap:9px;background:rgba(13,27,37,.74);border:1px solid rgba(217,179,106,.45);color:#F2E6CC;border-radius:999px;padding:8px 16px;font:600 12px/1.3 var(--fb);letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.pill i{width:7px;height:7px;border-radius:50%;background:var(--sand)}
.card{width:100%;max-width:560px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);padding:24px 22px 18px;box-shadow:0 24px 60px rgba(5,15,25,.45),0 2px 6px rgba(5,15,25,.2);text-align:left}
.card h2{font-size:27px;color:var(--ink)}
.card .sub{margin:6px 0 14px;color:var(--muted);font-size:14.5px}
.card .sub b{color:var(--accent);font-weight:600}
.form-host{width:100%}
#zeroparallel_form:empty{display:none}#omForm-root{margin-top:0!important;margin-bottom:0!important;width:100%!important}#omForm-root>div{min-height:0!important}#omForm-root form,#omForm-root .omForm-wrapper,#omForm,form#omForm{min-height:0!important;height:auto!important;background:#fff!important;box-shadow:none!important;border:none!important;padding-top:10px!important;padding-bottom:12px!important}#omForm-root select,#omForm-root .om-select{width:100%!important}.form-host{min-height:210px!important}
.trust{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:12px;padding-top:12px;border-top:1px solid var(--line);color:var(--muted);font-size:12.5px;text-align:center}
.trust svg{width:14px;height:14px;flex:0 0 auto;stroke:var(--accent);fill:none}
.ticks{list-style:none;margin:22px 0 0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px}
.ticks li{display:flex;align-items:center;gap:8px;font:500 14px/1.3 var(--fb);color:#F3F6F8}
.ticks svg{width:18px;height:18px;flex:0 0 auto}
.hero h1{margin:34px auto 12px;max-width:760px;font-size:clamp(34px,5vw,54px);color:#fff}
.hero h1 em{font-style:normal;text-decoration:underline;text-decoration-color:var(--sand);text-decoration-thickness:3px;text-underline-offset:7px}
.hero .lead{max-width:640px;margin:0 auto;font-size:17px;color:#DCE5EC}
@media(max-width:600px){
.hero{padding:22px 0 44px}
.card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:20px 16px 14px;border-radius:10px}
.card h2{font-size:24px}
.ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px;width:100%;text-align:left}
.ticks li{font-size:13.5px}
.hero h1{font-size:32px;margin-top:28px}
.hero .lead{font-size:15.5px}
.pill{font-size:11px;letter-spacing:.08em;padding:7px 12px}
}
/* photo band: dock planks + coiled rope */
.band{position:relative;color:#fff;overflow:hidden;background:var(--foot-bg)}
.band>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,27,37,.93) 0%,rgba(13,27,37,.8) 46%,rgba(13,27,37,.32) 100%)}
.band .wrap{position:relative;padding-top:90px;padding-bottom:90px}
.band-in{max-width:540px}
.band h2{font-size:clamp(30px,4vw,44px);margin:14px 0 14px}
.band h2 em{font-style:normal;color:var(--sand)}
.band p{color:#DCE5EC;font-size:17px;max-width:470px}
.band .more{display:inline-flex;align-items:center;gap:8px;margin-top:22px;color:#fff;font-weight:600;text-decoration:none;border-bottom:2px solid var(--sand);padding-bottom:3px}
.band .more:hover{color:var(--sand)}
@media(max-width:600px){.band::before{background:linear-gradient(180deg,rgba(13,27,37,.9),rgba(13,27,37,.84))}.band .wrap{padding-top:64px;padding-bottom:64px}}

/* recognition-hook strip */
.hooks{background:var(--ink);color:#fff;padding:58px 0 62px}
.hooks h2{font-size:clamp(28px,3.4vw,38px);margin:12px 0 26px;max-width:640px}
.frags{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.frags li{background:rgba(255,255,255,.05);border:1px solid rgba(217,179,106,.28);border-left:4px solid var(--sand);border-radius:10px;padding:16px 18px;font:400 20px/1.3 var(--fd);color:#F5F1E8}
.hooks .close{margin-top:26px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 24px;padding-top:24px;border-top:1px solid rgba(217,179,106,.3)}
.hooks .close p{max-width:640px;color:#DCE5EC;font-size:16.5px}
.hooks .close b{color:#fff;font-weight:600}
@media(max-width:860px){.frags{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.frags{grid-template-columns:1fr}.frags li{font-size:18px;padding:13px 15px}}

/* how it works: three bollards, one rope */
.hiw{padding:72px 0 78px}
.sec-head{max-width:640px;margin:0 auto 34px;text-align:center}
.sec-head h2{font-size:clamp(30px,3.8vw,42px);margin:12px 0 12px;color:var(--ink)}
.sec-head p{color:var(--muted);font-size:17px}
.dark .sec-head h2{color:#fff}
.dark .sec-head p{color:#CFDCE6}
.rope-svg{width:100%;height:auto;margin:0 auto 4px}
.rope-svg text{font-family:var(--fd);font-size:24px}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.step{position:relative;text-align:center;padding:0 18px}
.step h3{font-size:24px;margin:0 0 8px;color:var(--ink)}
.step p{color:var(--muted);font-size:15.5px}
.step .mini{display:none}
@media(max-width:700px){
.rope-svg{display:none}
.steps{grid-template-columns:1fr;gap:26px}
.step{text-align:left;padding:0 0 0 58px}
.step .mini{display:block;position:absolute;left:0;top:-2px;width:38px;height:46px}
.step::after{content:"";position:absolute;left:17px;top:50px;bottom:-26px;border-left:3px dashed var(--sand)}
.step:last-child::after{display:none}
}

/* why band: deep marine, anchor artwork */
.why{background:var(--accent-deep);color:#fff;padding:74px 0 80px}
.why-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:48px;align-items:center}
.art{width:min(100%,400px);margin:0 auto}
.why h2{font-size:clamp(30px,3.8vw,42px);margin:12px 0 14px}
.why .intro{color:#CFDCE6;font-size:17px;max-width:520px}
.trio{list-style:none;margin:26px 0 0;padding:0;display:grid;gap:14px}
.trio li{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start;padding:16px 18px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r)}
.trio .ic{width:44px;height:44px;border-radius:10px;background:rgba(217,179,106,.14);border:1px solid rgba(217,179,106,.4);display:grid;place-items:center}
.trio svg{width:22px;height:22px;stroke:var(--sand);fill:none}
.trio h3{font-size:20px;margin:0 0 4px}
.trio p{color:#CFDCE6;font-size:15px}
.why .nl{margin-top:22px;font-size:14.5px;color:#C4D2DC;border-left:3px solid var(--sand);padding-left:14px;max-width:560px}
@media(max-width:860px){.why-grid{grid-template-columns:1fr;gap:30px}.art{width:min(100%,300px)}}

/* faq: details accordion, plus/minus glyph, sand hover */
.faq{padding:72px 0 80px;background:var(--accent-tint)}
.qa-list{max-width:800px;margin:0 auto;display:grid;gap:10px}
.qa{background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.qa summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;font:400 19px/1.3 var(--fd);color:var(--ink);transition:background .15s}
.qa summary::-webkit-details-marker{display:none}
.qa summary:hover{background:var(--sand-pale)}
.qa[open] summary{background:var(--sand-pale);border-bottom:1px solid var(--line)}
.pm{position:relative;flex:0 0 auto;width:26px;height:26px;border-radius:50%;border:1.5px solid var(--sand-deep)}
.pm::before,.pm::after{content:"";position:absolute;left:50%;top:50%;background:var(--sand-deep);transform:translate(-50%,-50%);transition:transform .2s}
.pm::before{width:12px;height:2px}
.pm::after{width:2px;height:12px}
.qa[open] .pm::after{transform:translate(-50%,-50%) scaleY(0)}
.ans{padding:16px 20px 20px;color:var(--muted);font-size:15.5px}
.ans p+p{margin-top:8px}
.ans b{color:var(--ink);font-weight:600}

/* closing cta band */
.cta{background:linear-gradient(135deg,var(--accent) 0%,var(--accent-deep) 100%);color:#fff;padding:66px 0 70px;text-align:center}
.cta .rope{width:120px;margin:0 auto 18px}
.cta h2{font-size:clamp(30px,4vw,46px);margin:0 auto 12px;max-width:700px}
.cta p{color:#D9E4EC;font-size:17px;max-width:560px;margin:0 auto 26px}

/* footer */
.ft{background:var(--foot-bg);color:var(--foot-text);padding:54px 0 30px;font-size:14px}
.ft-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:22px 40px;align-items:flex-start;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.1)}
.ft .wm{font-size:22px}
.ft .one{max-width:420px;color:#B9C5D0;margin-top:10px}
.ft .mail{display:inline-block;margin-top:10px;color:var(--foot-link);text-decoration:none;font-weight:600;border-bottom:1px solid rgba(217,179,106,.4)}
.ft .mail:hover{border-color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 22px;padding:22px 0 8px}
.legal-links a{color:var(--foot-link);text-decoration:none;font:500 14px/1.4 var(--fb)}
.legal-links a:hover{text-decoration:underline}
.disc{padding-top:18px;border-top:1px solid rgba(255,255,255,.08);margin-top:10px}
.disc p{color:#B9C5D0;font-size:13px;line-height:1.6;margin:0 0 12px}
.disc b{color:#E6EEF4;font-weight:600}
.disc a{color:var(--foot-link)}
.copy{margin-top:16px;font-size:12.5px;color:#93A4B2}

/* subpage prose */
#main{padding:48px 0 84px}
.prose{max-width:720px;margin:0 auto;font-size:16.5px;line-height:1.7}
.prose h1{font-size:clamp(34px,4.6vw,46px);margin:0 0 6px;color:var(--ink)}
.prose h1::after{content:"";display:block;width:72px;height:5px;margin:16px 0 0;border-radius:3px;background:repeating-linear-gradient(-55deg,var(--sand) 0 5px,#B48F45 5px 8px,transparent 8px 13px)}
.prose .updated{color:var(--muted);font-size:14px;margin:14px 0 26px}
.prose h2{font-size:26px;margin:38px 0 12px;color:var(--ink)}
.prose p{margin:0 0 16px;color:#2B3A45}
.prose strong{color:var(--ink);font-weight:600}
.prose ul{margin:0 0 18px;padding-left:22px}
.prose li{margin:0 0 8px;color:#2B3A45}
.prose li::marker{color:var(--sand-deep)}
.prose a{color:var(--accent);text-decoration-thickness:1px;text-underline-offset:2px}
.prose a:hover{color:var(--accent-deep)}
.prose .btn{text-decoration:none;margin:6px 10px 10px 0}
.prose .btn-primary{color:#fff}
.prose #do-not-sell{scroll-margin-top:90px;padding-top:6px}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important}html{scroll-behavior:auto}}

.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);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}