.start-section {
  background: #f7f4ee;
  border-bottom: 1px solid #d9dee3;
}

.brand-photo {
  width: 48px;
  height: 48px;
  flex: 0 0 48px;
  border: 2px solid #c6a15b;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 22%;
}

.brand-photo-wrap {
  position: relative;
  display: block;
  width: 48px;
  height: 48px;
  flex: 0 0 48px;
}

.back-to-top-icon {
  display: grid;
  place-items: center;
  width: 0;
  height: 22px;
  margin-right: 0;
  border: 0 solid #fff;
  border-radius: 50%;
  background: #c6a15b;
  color: #0b1f33;
  font-size: 15px;
  font-weight: 700;
  line-height: 1;
  opacity: 0;
  overflow: hidden;
  transform: translateX(6px) scale(.85);
  transition: width .2s ease, margin-right .2s ease, opacity .2s ease, transform .2s ease;
}

body.page-scrolled .back-to-top-icon {
  width: 22px;
  margin-right: .15rem;
  border-width: 2px;
  opacity: 1;
  transform: translateX(0) scale(1);
}

body.page-scrolled .brand:hover .back-to-top-icon,
body.page-scrolled .brand:focus-visible .back-to-top-icon {
  transform: translateX(-2px) scale(1.08);
}

@media (max-width: 560px) {
  .brand-photo {
    width: 42px;
    height: 42px;
    flex-basis: 42px;
  }

  .brand-photo-wrap {
    width: 42px;
    height: 42px;
    flex-basis: 42px;
  }

  .brand small:first-of-type {
    display: block;
  }
}

.start-heading {
  max-width: 820px;
  margin-bottom: 2.5rem;
}

.start-heading > p:last-child {
  max-width: 700px;
  color: #607080;
  font-size: 1.08rem;
}

.start-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: none;
  max-width: 1450px;
}

.start-grid li {
  display: flex;
  flex-direction: column;
  min-height: 370px;
  padding: 2rem;
  background: #fff;
  border-top: 5px solid #c6a15b;
  box-shadow: 0 14px 34px rgba(11, 31, 51, .08);
}

.step-number {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 1.6rem;
  border-radius: 50%;
  background: #0b1f33;
  color: #fff;
  font-family: 'Libre Baskerville', serif;
  font-size: 1.2rem;
}

.step-label {
  margin-bottom: .4rem;
  color: #876828;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.start-grid h3 {
  margin-bottom: .7rem;
  font-family: 'Libre Baskerville', serif;
  font-size: 1.35rem;
}

.start-grid div > p:last-child {
  color: #607080;
}

.step-button {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 52px;
  margin-top: auto;
  padding: .85rem 1rem;
  background: #0b1f33;
  color: #fff;
  font-weight: 700;
  text-decoration: none;
  transition: transform .18s ease, background .18s ease;
}

.step-button:hover {
  transform: translateY(-2px);
  background: #102b47;
}

.start-note {
  display: inline-block;
  margin: 1.8rem 0 0;
  padding: .75rem 1rem;
  background: #fff;
  border-left: 3px solid #c6a15b;
}

@media (max-width: 900px) {
  .start-grid { grid-template-columns: 1fr; }
  .start-grid li { min-height: 0; }
  .step-button { margin-top: 1rem; }
}

.contact-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(260px, 420px));
  justify-content: center;
  gap: 1rem;
  margin: 2rem auto 1.5rem;
}

.contact-links a {
  display: flex;
  flex-direction: column;
  padding: 1.2rem 1.4rem;
  border: 1px solid rgba(255,255,255,.35);
  background: rgba(255,255,255,.06);
  color: #fff;
  text-decoration: none;
  transition: transform .18s ease, background .18s ease;
}

.contact-links a:hover {
  transform: translateY(-2px);
  background: rgba(255,255,255,.12);
}

.contact-links span {
  color: #e3c889;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.contact-links strong {
  margin-top: .35rem;
  font-size: 1.08rem;
  overflow-wrap: anywhere;
}

.back-to-steps {
  display: inline-block;
  color: #fff;
  font-weight: 700;
  text-underline-offset: .3rem;
}

@media (max-width: 650px) {
  .contact-links { grid-template-columns: 1fr; }
}

.team-section {
  background: #fff;
}

.team-heading {
  max-width: 830px;
  margin-bottom: 2.7rem;
}

.team-heading > p:last-child {
  color: #607080;
  font-size: 1.08rem;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.5rem;
  max-width: 1250px;
}

.team-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  padding: 2rem;
  background: #f7f4ee;
  border-top: 4px solid #c6a15b;
}

.team-initials {
  display: grid;
  place-items: center;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: #0b1f33;
  color: #e3c889;
  font-family: 'Libre Baskerville', serif;
  font-size: 1.25rem;
  font-weight: 700;
}

.team-photo {
  width: 88px;
  height: 110px;
  border-radius: 2px;
  object-fit: cover;
  object-position: center 24%;
  box-shadow: 0 8px 20px rgba(11,31,51,.16);
}

.team-role {
  margin-bottom: .25rem;
  color: #876828;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.team-card h3 {
  margin-bottom: .7rem;
  font-family: 'Libre Baskerville', serif;
  font-size: 1.4rem;
}

.team-card-copy > p:last-child {
  margin-bottom: 0;
  color: #607080;
}

@media (max-width: 900px) {
  .team-grid { grid-template-columns: 1fr; }
}

@media (max-width: 520px) {
  .team-card { grid-template-columns: 1fr; }
  .team-photo { width: 112px; height: 138px; }
}

.about-section {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);
  gap: clamp(3rem, 7vw, 7rem);
  background: #102b47;
  color: #fff;
}

.about-lead h2 {
  max-width: 700px;
}

.about-photo {
  width: 150px;
  height: 150px;
  margin-bottom: 1.5rem;
  border: 4px solid rgba(255,255,255,.2);
  border-radius: 50%;
  object-fit: cover;
  object-position: center 22%;
  box-shadow: 0 14px 34px rgba(0,0,0,.2);
}

.about-lead > p:last-child,
.about-details > p {
  color: #c8d3dd;
  font-size: 1.05rem;
}

.about-details {
  padding-top: 2.2rem;
}

.licensed-states {
  margin-top: 2rem;
  padding: 1.4rem 1.5rem;
  border-left: 4px solid #c6a15b;
  background: rgba(255,255,255,.07);
}

.licensed-states span {
  display: block;
  margin-bottom: .5rem;
  color: #e3c889;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.licensed-states strong {
  display: block;
  line-height: 1.8;
}

@media (max-width: 900px) {
  .about-section { grid-template-columns: 1fr; }
  .about-details { padding-top: 0; }
}

.loan-grid .featured-loan {
  position: relative;
  background: linear-gradient(145deg, rgba(198,161,91,.2), rgba(255,255,255,.04));
  box-shadow: inset 0 0 0 2px #c6a15b;
}

.loan-video {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  margin-top: 1.25rem;
  color: #f0d89f;
  font-weight: 700;
  line-height: 1.4;
  text-underline-offset: .25rem;
}

.loan-video:hover {
  color: #fff;
}

.join-section {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
  gap: clamp(2.5rem, 6vw, 6rem);
  align-items: center;
  background: #102b47;
  color: #fff;
}

.join-copy h2 {
  max-width: 650px;
}

.join-copy > p:last-child {
  max-width: 680px;
  color: #c8d3dd;
  font-size: 1.08rem;
}

.join-actions {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.25rem;
}

.join-actions article {
  display: flex;
  flex-direction: column;
  min-height: 360px;
  padding: 2rem;
  border: 1px solid rgba(255,255,255,.22);
  background: rgba(255,255,255,.06);
}

.join-actions article > span {
  color: #e3c889;
  font-family: 'Libre Baskerville', serif;
}

.join-actions h3 {
  margin: 1.6rem 0 .75rem;
  font-family: 'Libre Baskerville', serif;
  font-size: 1.35rem;
}

.join-actions p {
  color: #c8d3dd;
}

.join-button {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 52px;
  margin-top: auto;
  padding: .85rem 1rem;
  font-weight: 700;
  text-decoration: none;
  transition: transform .18s ease, background .18s ease;
}

.join-button.primary {
  background: #c6a15b;
  color: #0b1f33;
}

.join-button.secondary {
  border: 1px solid rgba(255,255,255,.55);
  color: #fff;
}

.join-button:hover {
  transform: translateY(-2px);
}

@media (max-width: 1100px) {
  .join-section { grid-template-columns: 1fr; }
}

@media (max-width: 650px) {
  .join-actions { grid-template-columns: 1fr; }
  .join-actions article { min-height: 0; }
  .join-button { margin-top: 1rem; }
}