/* BallastLend - "Low Weight". Dark olive-bronze on a bone canvas. Square corners, thick outlines,
   heavy baselines, burnt-amber weight bars. Nothing shadowed, nothing rounded, nothing clever. */
:root{
  --bg:#F6F4EC;--card:#FFFFFF;--ink:#191710;--text:#2A2619;--muted:#5A5540;
  --accent:#C2762B;--accent-deep:#8A5318;--accent-tint:#E7E3D3;--line:#E4E0D0;
  --primary:#4A4426;--primary-dark:#332E19;--tint2:#CFC8AC;
  --foot-bg:#191710;--foot-text:#DCD7C6;--foot-link:#DE9A51;--dim:#BDB7A2;--paper:#FBF9F1;
  --fd:"Montserrat",system-ui,sans-serif;--fb:"Cabin",system-ui,sans-serif;--r:0;--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:1.14;margin:0;font-weight:700}
p,ul,ol,dl,dt,dd{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--primary);color:#FFFFFF;padding:9px 14px;z-index:60;border-radius:var(--r)}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fd);font-weight:600;font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--fd);font-weight:600;font-size:16px;letter-spacing:.02em;padding:15px 30px;border:2px solid transparent;border-radius:var(--r);text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.btn-primary{background:var(--primary);color:var(--cta-text,#FFFFFF);border-color:var(--primary)}
.btn-primary:hover{background:var(--primary-dark);border-color:var(--primary-dark)}
.btn-ghost{background:transparent;color:var(--primary-dark);border-color:var(--primary)}
.btn-ghost:hover{background:var(--accent-tint)}
.btn-invert{background:var(--bg);color:var(--ink);border-color:var(--bg)}
.btn-invert:hover{background:var(--paper);border-color:var(--paper)}

/* header - wordmark left, one heavy baseline rule carrying the nav on the right */
.mast{background:var(--bg)}
.mast-in{display:flex;align-items:flex-end;gap:26px;min-height:78px;padding-bottom:12px;border-bottom:3px solid var(--primary);position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:11px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:700;font-size:23px;letter-spacing:-.015em;color:var(--ink);text-decoration:none}
.wm b{font-weight:700;color:var(--accent-deep)}
.nav{display:flex;align-items:flex-end;gap:30px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--primary-dark);text-decoration:none;padding-bottom:3px;border-bottom:2px solid transparent}
.nav a:hover{border-bottom-color:var(--accent)}
.nb{display:none;width:46px;height:40px;margin-left:auto;border:2px solid var(--primary);background:transparent;border-radius:var(--r);flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:19px;height:2px;background:var(--primary)}
@media(max-width:860px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--card);border:2px solid var(--primary);border-top:0;flex-direction:column;align-items:stretch;gap:0;padding:0;margin:0;z-index:20}
  .nav.open{display:flex}
  .nav a{padding:14px 18px;border:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
  .nb{display:inline-flex}
}

/* hero - flat canvas, no photo. Outlined card first, headline below it. */
.hero{background:var(--bg);padding:54px 0 78px}
.hero-in{text-align:center}
.hero-eyebrow{font-family:var(--fd);font-weight:600;font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--primary-dark);margin:0 0 24px}
.form-card{width:100%;max-width:var(--card-max,840px);margin:0 auto;background:var(--card);border:2px solid var(--primary);border-radius:0;box-shadow:none;text-align:left}
.form-card__head{padding:22px 26px 18px;border-bottom:2px solid var(--primary)}
.form-card__head h2{font-size:25px;letter-spacing:-.015em}
.form-card__head p{margin-top:7px;color:var(--muted);font-size:14.5px;line-height:1.5}
.form-host{padding:0 16px}
.form-card__trust{margin:0;padding:14px 22px 17px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.5}
: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 32px;margin:30px auto 0;padding:0;list-style:none;max-width:900px}
.ticks li{display:inline-flex;align-items:center;gap:9px;font-family:var(--fd);font-weight:600;font-size:14px;color:var(--primary-dark)}
.ticks svg{width:18px;height:18px;flex:0 0 18px}
.hero h1{font-size:clamp(31px,5vw,52px);letter-spacing:-.022em;max-width:900px;margin:46px auto 0}
.hero-sub{max-width:700px;margin:18px auto 0;font-size:17.5px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:34px 0 54px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none}
  .form-card__head{padding:18px 16px 15px}
  .form-card__head h2{font-size:22px}
  .form-host{padding:0 6px}
  .form-card__trust{padding:12px 14px 14px;font-size:11.8px}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:11px 14px;justify-items:start;margin-top:24px;text-align:left}
  .ticks li{font-size:12.5px;align-items:flex-start}
  .ticks svg{margin-top:1px}
  .hero-eyebrow{font-size:10.5px;letter-spacing:.14em;margin-bottom:18px}
  .hero h1{margin-top:34px}
  .hero-sub{font-size:16.5px}
}

/* how it works - three numbered rows hanging off one heavy baseline */
.hiw{padding:88px 0 84px}
.sec-head{max-width:780px}
.sec-head h2{font-size:clamp(27px,3.5vw,40px);margin-top:10px;letter-spacing:-.018em}
.sec-head p{margin-top:14px;color:var(--muted);font-size:17px}
.baseline{margin-top:54px;border-top:4px solid var(--primary);display:grid;grid-template-columns:repeat(3,1fr);gap:0 44px}
.brow{position:relative;padding:34px 0 0}
.bnum{position:absolute;top:-16px;left:0;background:var(--bg);padding:0 16px 0 0;font-family:var(--fd);font-weight:700;font-size:28px;line-height:1;letter-spacing:-.02em;color:var(--primary)}
.brow h3{font-size:21px;letter-spacing:-.012em}
.brow p{margin-top:11px;color:var(--text);font-size:16.5px}
.bout{margin-top:18px;display:inline-block;font-family:var(--fd);font-weight:600;font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--primary-dark);border-top:4px solid var(--accent);padding-top:10px}
@media(max-width:860px){
  .hiw{padding:64px 0 58px}
  .baseline{grid-template-columns:1fr;border-top:0;margin-top:42px}
  .brow{border-top:4px solid var(--primary);margin-top:36px;padding-top:34px}
  .brow:first-child{margin-top:0}
}

/* recognition strip - its own highlighted band between heavy rules */
.recog{background:var(--accent-tint);border-top:3px solid var(--primary);border-bottom:3px solid var(--primary);padding:72px 0}
.recog h2{font-size:clamp(26px,3.4vw,38px);margin-top:10px;max-width:780px;letter-spacing:-.018em}
.recog-list{list-style:none;margin:32px 0 0;padding:0;border-top:1px solid var(--tint2)}
.recog-list li{font-family:var(--fd);font-weight:500;font-size:clamp(18px,2.3vw,25px);line-height:1.32;color:var(--primary-dark);padding:17px 0;border-bottom:1px solid var(--tint2);display:flex;gap:18px;align-items:flex-start}
.recog-list li::before{content:"";flex:0 0 28px;height:6px;margin-top:.58em;background:var(--accent)}
.recog-close{margin-top:32px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px 40px}
.recog-close p{max-width:700px;font-size:16.5px;color:var(--text)}
@media(max-width:700px){
  .recog{padding:56px 0}
  .recog-list li{gap:13px}
  .recog-list li::before{flex:0 0 20px;height:5px;margin-top:.6em}
}

/* why band - the dark one, artwork left, trio right */
.why{background:var(--ink);color:var(--foot-text);padding:90px 0;overflow:hidden}
.why-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center}
.why .eyebrow{color:var(--foot-link)}
.why h2{color:var(--paper);font-size:clamp(27px,3.5vw,40px);margin-top:10px;letter-spacing:-.018em}
.why-lead{margin-top:16px;color:var(--dim);font-size:17px}
.art{width:100%;border:2px solid rgba(220,215,198,.26)}
.trio{list-style:none;margin:30px 0 0;padding:0;border-top:1px solid rgba(220,215,198,.22)}
.trio li{display:grid;grid-template-columns:38px 1fr;gap:14px;padding:19px 0;border-bottom:1px solid rgba(220,215,198,.22)}
.trio b{font-family:var(--fd);font-weight:700;font-size:14px;letter-spacing:.06em;color:var(--foot-link);padding-top:4px}
.trio h3{color:var(--paper);font-size:18.5px;letter-spacing:-.01em}
.trio p{margin-top:7px;color:var(--dim);font-size:15.5px}
@media(max-width:900px){
  .why{padding:64px 0}
  .why-grid{grid-template-columns:1fr;gap:38px}
  .art{max-width:560px;margin:0 auto}
}

/* faq - a plain definition list, hairlines only */
.faq{padding:88px 0 82px}
.faq-dl{margin-top:36px;max-width:880px;border-top:3px solid var(--primary)}
.faq-dl dt{font-family:var(--fb);font-weight:700;font-size:18px;color:var(--ink);padding:24px 0 0;line-height:1.36}
.faq-dl dd{margin:9px 0 0;padding:0 0 24px;color:var(--text);font-size:16.5px;border-bottom:1px solid var(--line)}
@media(max-width:700px){
  .faq{padding:60px 0 56px}
  .faq-dl dt{font-size:17px;padding-top:21px}
  .faq-dl dd{font-size:16px;padding-bottom:21px}
}

/* photo band - the ploughed field, held back until here, full bleed and dark */
.pband{position:relative;background:var(--ink);color:var(--paper);overflow:hidden}
.pband-pic{position:absolute;inset:0;margin:0;display:block}
.pband-pic img{width:100%;height:100%;object-fit:cover;object-position:center}
.pband-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(25,23,16,.93) 0%,rgba(25,23,16,.88) 44%,rgba(25,23,16,.40) 100%)}
.pband-in{position:relative;z-index:1;padding:104px 0;max-width:640px}
.pband .eyebrow{color:var(--foot-link)}
.pband h2{color:var(--paper);font-size:clamp(28px,3.8vw,42px);margin-top:12px;letter-spacing:-.02em}
.pband p{margin-top:16px;font-size:17px;color:#E9E4D4;max-width:540px}
.pband-link{display:inline-flex;align-items:center;gap:9px;margin-top:28px;font-family:var(--fd);font-weight:600;font-size:14px;letter-spacing:.06em;text-transform:uppercase;color:var(--foot-link);text-decoration:none;border-bottom:2px solid rgba(222,154,81,.5);padding-bottom:5px}
.pband-link:hover{border-bottom-color:var(--foot-link)}
@media(max-width:700px){
  .pband-veil{background:linear-gradient(180deg,rgba(25,23,16,.90) 0%,rgba(25,23,16,.93) 100%)}
  .pband-in{padding:66px 0}
}

/* closing cta - the motif itself: an outline with the weight bar sitting low inside it */
.close{background:var(--bg);padding:86px 0}
.close-box{position:relative;border:2px solid var(--primary);padding:46px 46px 56px;display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.close-box::after{content:"";position:absolute;left:14px;right:14px;bottom:14px;height:9px;background:var(--accent)}
.close h2{font-size:clamp(27px,3.5vw,40px);margin-top:10px;letter-spacing:-.018em}
.close p{margin-top:12px;color:var(--muted);max-width:640px}
@media(max-width:760px){
  .close{padding:58px 0}
  .close-box{grid-template-columns:1fr;padding:30px 24px 44px;gap:24px}
  .close-box::after{left:10px;right:10px;bottom:10px;height:7px}
}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:60px 0 40px;font-size:14px;border-top:4px solid var(--accent)}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:22px 44px;align-items:start;padding-bottom:26px;border-bottom:1px solid rgba(220,215,198,.18)}
.foot .wm{color:var(--paper)}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:12px;color:var(--dim);max-width:540px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-mail{display:inline-block;font-family:var(--fd);font-weight:600;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(222,154,81,.5);padding-bottom:3px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.foot-nav{display:flex;flex-wrap:wrap;gap:10px 28px;margin:22px 0 0;padding:0;list-style:none}
.foot-nav a{font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--foot-text);text-decoration:none}
.foot-nav a:hover{color:var(--foot-link)}
.legal-links{margin:16px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fb);font-weight:600;font-size:14px}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(220,215,198,.18)}
.disc p{color:var(--foot-text);line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:var(--paper);font-weight:700}
.disc a{color:var(--foot-link)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}}

/* subpage prose - legal pages, unsubscribe, do-not-sell, 404 */
.sub main{background:var(--bg)}
.prose{max-width:720px;padding:54px 20px 88px}
.prose h1{font-size:clamp(30px,4.3vw,42px);letter-spacing:-.022em}
.prose p.updated{margin-top:12px;font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:22px;margin-top:40px;padding-top:22px;border-top:3px solid var(--primary);letter-spacing:-.012em}
.prose h3{font-size:18px;margin-top:26px}
.prose p{margin-top:14px;line-height:1.72}
.prose strong{color:var(--ink);font-weight:700}
.prose ul,.prose ol{margin:14px 0 0;padding:0 0 0 22px}
.prose ul>li,.prose ol>li{margin-top:8px;line-height:1.68;padding-left:4px}
.prose ul>li::marker{color:var(--accent-deep)}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose a.btn{margin-top:24px;margin-right:10px;text-decoration:none}
.prose a.btn.btn-primary{color:var(--cta-text,#FFFFFF);text-decoration:none}
.prose a.btn.btn-ghost{color:var(--primary-dark);text-decoration:none}
.prose table{width:100%;border-collapse:collapse;margin-top:16px}
.prose th,.prose td{text-align:left;padding:10px 12px;border:1px solid var(--line);font-size:15px}
@media(max-width:600px){.prose{padding:40px 20px 66px}}

.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}