/* Loans with Jared — buyer landing page.
   Palette & type taken from loanswithjared.com (GoDaddy theme):
   black #000 / #161616 surfaces, white + #E2E2E2 headings, #969696 / #919191 body grays,
   blue section #1B5BD0, button blue #0066CC. Headings: Chunkfive (site) -> Ultra (closest free match). */
@font-face{font-family:"Ultra";src:url(fonts/Ultra-400.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Roboto Slab";src:url(fonts/RobotoSlab-var.woff2) format("woff2");font-weight:100 900;font-display:swap}

:root{
  --black:#000;--ink:#161616;--ink2:#1f1f1f;--line:#2b2b2b;
  --white:#fff;--light:#e2e2e2;--gray:#969696;--gray2:#919191;
  --blue:#1b5bd0;--blue2:#0066cc;--blue-dk:#164aa9;
  --text:#1b1b1b;--muted:#5c6470;--field:#f7f7f7;--border:#d9dce1;
  --radius:14px;--shadow:0 24px 60px rgba(0,0,0,.45);
  --display:"Chunkfive","Ultra","Roboto Slab",Georgia,serif;
  --body:Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--light);background:var(--black);line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(1160px,100% - 40px);margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.hp{position:absolute;left:-9999px}

/* top bar */
.topbar{position:absolute;inset:0 0 auto;z-index:5}
.topbar__inner{display:flex;align-items:center;justify-content:space-between;padding:18px 0}
.brand img{height:62px;width:auto}
.topbar__actions{display:flex;gap:18px;align-items:center}
.topbar__phone{display:flex;gap:8px;align-items:center;text-decoration:none;color:var(--light);font-weight:700;letter-spacing:.04em;font-size:15px}
.topbar__phone svg{width:18px;height:18px;fill:currentColor}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:2px solid transparent;border-radius:8px;
  padding:14px 22px;font:700 15px/1.1 var(--body);letter-spacing:.06em;text-transform:uppercase;text-decoration:none;cursor:pointer;transition:.18s}
.btn--sm{padding:10px 16px;font-size:13px}
.btn--block{width:100%}
.btn--primary{background:var(--blue2);color:#fff}
.btn--primary:hover{background:var(--blue-dk)}
.btn--primary:disabled{opacity:.6;cursor:wait}
.btn--outline{border-color:#fff;color:#fff;background:transparent}
.btn--outline:hover{background:#fff;color:#000}
.btn--ghost{background:transparent;color:var(--muted);border-color:var(--border)}
.btn--ghost:hover{color:var(--text);border-color:#9aa1ab}
.btn--light{background:#fff;color:#000}
.btn--light:hover{background:var(--light)}
.grow{flex:1}

/* hero */
.hero{position:relative;padding:130px 0 80px;overflow:hidden;background:#000}
.hero__bg{position:absolute;inset:0;background:url(hero.jpg) center 60%/cover no-repeat}
.hero__bg::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(0,0,0,.88) 0%,rgba(0,0,0,.66) 45%,rgba(0,0,0,.35) 100%),linear-gradient(0deg,#000 0%,rgba(0,0,0,0) 30%)}
.hero__grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.eyebrow{margin:0 0 14px;font:700 13px/1 var(--body);letter-spacing:.22em;text-transform:uppercase;color:#8fb4ff}
h1,.h2,h2,h3{font-family:var(--display);font-weight:400;margin:0}
.nw{white-space:nowrap;font-style:normal}
h1{font-size:clamp(32px,4.4vw,56px);line-height:1.06;color:#fff;letter-spacing:.005em}
h1 span{display:block;margin-top:12px;font-size:.6em;color:#9cc0ff}
.lead{font-size:19px;color:#d6d6d6;max-width:560px;margin:22px 0 22px}
.checks{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:10px}
.checks li{position:relative;padding-left:32px;color:#ececec;font-size:16px}
.checks li::before{content:"";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;
  background:var(--blue2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat}
.motto{font:400 22px/1 var(--display);color:var(--gray);letter-spacing:.02em;margin:0}

/* form card */
.card{background:#fff;color:var(--text);border-radius:var(--radius);box-shadow:var(--shadow)}
.formcard{padding:28px 28px 24px;scroll-margin-top:20px}
.formcard__head h2{font-size:26px;color:#111;margin-bottom:14px}
.progress{height:6px;background:#eceef1;border-radius:6px;overflow:hidden}
.progress__bar{display:block;height:100%;background:var(--blue2);border-radius:6px;transition:width .3s}
.stepcount{margin:8px 0 18px;font-size:13px;color:var(--muted)}
.step{border:0;padding:0;margin:0;display:none}
.step.is-active{display:block;animation:fade .25s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.q{margin-bottom:18px}
.q__label{display:block;font-weight:700;font-size:15px;margin:0 0 8px;color:#222}
.chips{display:grid;gap:8px}
.chips--3{grid-template-columns:repeat(3,1fr)}
.chips--2{grid-template-columns:repeat(2,1fr)}
.chip{position:relative;cursor:pointer}
.chip input{position:absolute;opacity:0;inset:0}
.chip span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:8px 10px;border:1.5px solid var(--border);
  border-radius:9px;font-size:15px;font-weight:600;color:#333;background:var(--field);transition:.15s}
.chip:hover span{border-color:#9db8ea}
.chip input:checked+span{border-color:var(--blue2);background:#eaf2ff;color:#0b3f8f;box-shadow:inset 0 0 0 1px var(--blue2)}
.chip input:focus-visible+span{outline:3px solid #9cc1ff;outline-offset:2px}
select,input[type=text],input[type=email],input[type=tel]{width:100%;min-height:50px;padding:12px 14px;font:16px var(--body);color:#111;
  background:var(--field);border:1.5px solid var(--border);border-radius:9px;appearance:none}
select{background:var(--field) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23555' d='M7 10l5 5 5-5z'/%3E%3C/svg%3E") right 12px center/22px no-repeat;padding-right:40px}
select:focus,input:focus{outline:none;border-color:var(--blue2);box-shadow:0 0 0 3px rgba(0,102,204,.18);background-color:#fff}
.is-invalid{border-color:#c62828!important}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.row{display:flex;gap:10px}
.err{min-height:0;margin:0 0 10px;color:#c62828;font-size:14px;font-weight:600}
.err:empty{display:none}
.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;background:#f4f6f9;border:1px solid #e3e7ed;border-radius:10px;padding:12px;margin:4px 0 16px}
.consent input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--blue2)}
.consent label{font-size:11.5px;line-height:1.5;color:#444}
.consent a,.fineprint a{color:var(--blue2)}
.fineprint{font-size:12px;color:var(--muted);margin:12px 0 0;text-align:center}
.success{text-align:center;padding:10px 4px}
.success__icon{width:64px;height:64px;margin:0 auto 14px;border-radius:50%;background:#e8f5ec;color:#1e8e3e;font-size:34px;display:grid;place-items:center}
.success h2{font-size:28px;color:#111;margin-bottom:10px}
.success p{color:var(--muted);margin:0 0 18px}
.success .btn{margin-bottom:10px}

/* sections */
.section{padding:84px 0}
.section--dark{background:var(--black)}
.section--blue{background:var(--blue)}
.h2{font-size:clamp(28px,3.2vw,42px);color:var(--gray);text-align:center}
.h2.left{text-align:left;color:#fff}
.h2--light{color:#fff}
.rule{width:40px;height:1px;background:#444;margin:18px auto 44px}
.rule--light{background:rgba(255,255,255,.5)}
.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.benefit{background:var(--ink);border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px}
.benefit__icon{width:46px;height:46px;border-radius:12px;background:rgba(0,102,204,.18);display:grid;place-items:center;margin-bottom:16px}
.benefit__icon svg{width:24px;height:24px;fill:#7fb0ff}
.benefit h3{font-size:20px;color:#fff;margin-bottom:10px;line-height:1.2}
.benefit p{margin:0;color:var(--gray2);font-size:15.5px}
.steps{list-style:none;margin:0 0 40px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps li{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:26px;color:#fff}
.steps span{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#fff;color:var(--blue);font:400 20px var(--display);margin-bottom:14px}
.steps h3{font-size:21px;margin-bottom:6px}
.steps p{margin:0;color:#dce6fb}
.center{text-align:center}
.about{display:grid;grid-template-columns:300px minmax(0,1.4fr) minmax(0,1fr);gap:40px;align-items:center}
.about__photo{margin:0}
.about__photo{position:relative;isolation:isolate}
.about__photo img{display:block;width:100%;height:auto;max-width:300px;aspect-ratio:1/1;object-fit:cover;border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.55);border:1px solid rgba(255,255,255,.12)}
.about__photo::after{content:"";position:absolute;inset:auto -10px -10px auto;width:60%;height:60%;border-right:3px solid #1B5BD0;border-bottom:3px solid #1B5BD0;border-radius:0 0 24px 0;z-index:-1}
.advisor{display:flex;align-items:center;gap:12px;margin:14px 0 14px;padding:14px 0 0;border-top:1px solid #ececec}
.advisor img{width:48px;height:48px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 2px #fff,0 0 0 4px #0066CC}
.advisor p{margin:0;font-size:14px;line-height:1.3;color:#222}
.advisor strong{display:block;font-size:15px}
.advisor span{color:#666;font-size:13px}
.about__copy .about__title{margin:6px 0 0;font-size:15px;letter-spacing:.04em;color:#9cc0ff;font-weight:600}
.award{display:flex;align-items:center;gap:12px;margin-top:16px}
.award img{width:64px;height:64px;filter:drop-shadow(0 4px 10px rgba(0,0,0,.5))}
.award span{font-size:13px;line-height:1.3;color:#cfcfcf;text-transform:uppercase;letter-spacing:.08em}
.award strong{color:#fff;font-size:15px}
.about__copy p{font-size:18px;color:#cfcfcf;margin:18px 0 0}
.about__copy .muted{color:var(--gray);font-size:16px}
.programs{font-size:14px!important;letter-spacing:.08em;text-transform:uppercase;color:var(--gray)!important}
.card--dark{background:var(--ink);color:var(--light);border:1px solid var(--line);padding:28px;box-shadow:none}
.card--dark h3{font-size:24px;color:#fff;margin-bottom:8px}
.card--dark p{color:var(--gray2);margin:0 0 18px}
.card--dark .btn{margin-top:10px;text-transform:none;letter-spacing:.01em}

/* footer */
.footer{background:var(--ink);border-top:1px solid var(--line);padding:48px 0 90px;color:var(--gray2);font-size:14px}
.footer__grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}
.footer__grid img{height:60px;width:auto;margin-bottom:12px}
.footer a{color:var(--light)}
.footer__lic{text-align:right}
.eho{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:var(--light);margin-top:6px}
.footer__legal{border-top:1px solid var(--line);margin-top:28px;padding-top:20px;font-size:12.5px;color:#8a8a8a}
.footer__legal p{margin:0 0 10px}
.mobilebar{display:none}

/* responsive */
@media (max-width:980px){
  .hero{padding:110px 0 56px}
  .hero__grid{grid-template-columns:1fr;gap:34px}
  .benefits{grid-template-columns:1fr 1fr}
  .about{grid-template-columns:260px 1fr}
  .about__cta{grid-column:1/-1}
}
@media (max-width:640px){
  .wrap{width:calc(100% - 28px)}
  .brand img{height:48px}
  .topbar__phone span{display:none}
  .topbar__phone{width:42px;height:42px;justify-content:center;border:1px solid rgba(255,255,255,.5);border-radius:50%}
  .topbar .btn--sm{display:none}
  .hero{padding:92px 0 40px}
  .lead{font-size:17px}
  .checks li{font-size:15px}
  .formcard{padding:22px 18px 18px}
  .chips--3{grid-template-columns:1fr 1fr 1fr}
  .chip span{font-size:14px;padding:8px 6px}
  .grid2{grid-template-columns:1fr}
  .benefits,.steps{grid-template-columns:1fr}
  .section{padding:60px 0}
  .footer__grid{grid-template-columns:1fr}
  .footer__lic{text-align:left}
  .mobilebar{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:20;background:var(--blue2);color:#fff;text-align:center;
    padding:15px;border-radius:10px;font-weight:700;text-decoration:none;letter-spacing:.04em;box-shadow:0 10px 30px rgba(0,0,0,.5);transition:.2s}
  .mobilebar.is-hidden{opacity:0;pointer-events:none;transform:translateY(20px)}
}
@media (max-width:640px){.about{grid-template-columns:1fr}.about__photo{max-width:320px;margin:0 auto}.about__photo img{max-width:320px}.about__cta{grid-column:auto}}
/* polish: keep name on one line, keep email button tidy */
.about__copy h2{white-space:nowrap}
.about__cta .btn--outline{font-size:14px;padding-left:10px;padding-right:10px;white-space:nowrap;letter-spacing:0;text-transform:none}
@media (max-width:640px){.about__copy h2{white-space:normal}}

/* legal pages (privacy.html, terms.html) */
.topbar--static{position:relative;background:var(--black);border-bottom:1px solid var(--line)}
.legal{padding:56px 0 72px;background:var(--black)}
.legal__card{max-width:860px;margin:0 auto;background:var(--ink);border:1px solid var(--line);border-radius:20px;padding:48px 56px;color:#cfcfcf;font-size:16.5px;line-height:1.7}
.legal__card h1{font-family:var(--display);font-weight:400;color:var(--white);font-size:44px;line-height:1.1;margin:6px 0 8px}
.legal__card h2{font-family:var(--display);font-weight:400;color:var(--light);font-size:22px;letter-spacing:.01em;margin:36px 0 8px;padding-top:24px;border-top:1px solid var(--line)}
.legal__card p,.legal__card ul{margin:10px 0}
.legal__card ul{padding-left:22px}
.legal__card li{margin:6px 0}
.legal__card strong{color:var(--white)}
.legal__card a{color:#9cc0ff}
.legal__meta{color:var(--gray);font-size:14px;letter-spacing:.04em;text-transform:uppercase}
.legal__back{margin-top:36px!important;padding-top:20px;border-top:1px solid var(--line)}
@media (max-width:640px){.legal{padding:28px 0 48px}.legal__card{padding:28px 20px;font-size:16px}.legal__card h1{font-size:34px}.legal__card h2{font-size:19px}}

/* Apply Now (secondary CTA -> https://jared.my1003app.com/, new tab) */
.hero__ctas{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 22px}
.hero__ctas .btn--apply{border-color:rgba(255,255,255,.85)}
.btn--light{background:#fff;color:#000;border-color:#fff}
.btn--light:hover{background:#e2e2e2;border-color:#e2e2e2}
.success__apply{background:#f2f6fd;border:1px solid #d6e2f7;border-radius:12px;padding:14px 14px 4px;margin:0 0 12px}
.success__apply p{margin:0 0 10px!important;color:#111!important}
.about__apply{margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.12)}
.about__apply p{margin:0 0 10px;color:var(--light);font-weight:700}
@media (max-width:640px){.hero__ctas .btn{flex:1 1 100%}}

/* Statewide metro picker: 6 cities + full-width "Other Texas city" with free-text field */
.chip--wide{grid-column:1/-1}
.othercity{margin-top:12px}
.othercity .q__label{font-size:14px}
.hero__copy h1{font-size:clamp(32px,3.7vw,50px)}

/* Texas SML website notice (7 TAC 56.200(c)): verbatim caps, kept readable */
.footer__legal .footer__sml{font-size:12.5px;line-height:1.6;color:#a9a9a9;letter-spacing:.01em}
.footer__sml a{color:var(--light);text-decoration:underline}