/* EpayLoans - Harbor Cobalt. Cool paper, cobalt CTAs, aqua transfer line, Wix Madefor Display + Gantari. */
:root{
  --bg:#F4F6F9;--card:#FFFFFF;--ink:#0F1F3D;--text:#22304A;--muted:#52607A;
  --accent:#1E4FA3;--accent-deep:#15397A;--accent-tint:#E3ECFA;--aqua:#2FB4A8;--aqua-tint:#CFE9E6;--line:#DCE3EE;
  --foot-bg:#0B1A33;--foot-text:#CBD5E6;--foot-link:#7FD3CA;--dim:#AEBBD1;
  --fd:"Wix Madefor Display",system-ui,sans-serif;--fb:"Gantari",system-ui,sans-serif;--r:12px;--wrap:1120px;
}
*,*::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:1.6;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:1.15;margin:0;font-weight:600;text-wrap:balance}
p,ul{margin:0}
p{text-wrap:pretty}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:8px}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fd);font-weight:500;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--fd);font-weight:600;font-size:16px;padding:14px 26px;border-radius:999px;border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .3s cubic-bezier(.22,1,.36,1),transform .3s cubic-bezier(.22,1,.36,1)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--aqua);outline-offset:2px}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--accent-tint)}

/* header: slim static bar, tile mark + wordmark, aqua transfer line under it */
.top{background:var(--card);border-bottom:2px solid var(--aqua-tint);position:relative;z-index:5}
.top::after{content:"";position:absolute;left:0;bottom:-2px;height:2px;width:34%;background:var(--aqua)}
.top-in{display:flex;align-items:center;gap:24px;height:64px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:30px;height:30px;flex:0 0 30px}
.wm{font-family:var(--fd);font-weight:600;font-size:21px;letter-spacing:-.01em;color:var(--ink)}
.wm b{font-weight:600;color:var(--accent)}
.nav{display:flex;align-items:center;gap:26px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:500;font-size:15px;color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent;transition:border-color .3s cubic-bezier(.22,1,.36,1)}
.nav a:hover{border-bottom-color:var(--aqua)}
.top-tag{display:inline-flex;align-items:center;gap:7px;font-family:var(--fd);font-weight:500;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.top-tag i{width:8px;height:8px;border-radius:50%;background:var(--aqua);display:inline-block}
.nb{display:none;width:42px;height:42px;border:1px solid var(--line);background:var(--card);border-radius:10px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0;margin-left:auto}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:860px){
  .nav{display:none;position:absolute;top:60px;left:0;right:0;background:var(--card);border:1px solid var(--line);border-radius:12px;flex-direction:column;align-items:stretch;gap:0;padding:6px 0;box-shadow:0 18px 40px rgba(15,31,61,.16);margin:0}
  .nav.open{display:flex}
  .nav a{padding:12px 18px;border:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
  .top-tag{display:none}
  .nb{display:inline-flex}
}

/* hero: pier at dawn under a cool veil, chips -> card -> ticks -> hook */
.hero{position:relative;padding:34px 0 64px;overflow:hidden;background:var(--aqua-tint)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(244,246,249,.42) 0%,rgba(244,246,249,.66) 34%,rgba(244,246,249,.86) 70%,#F4F6F9 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:8px;margin:0 0 18px;padding:0;list-style:none}
.chips li{font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.04em;color:var(--ink);background:rgba(255,255,255,.78);border:1px solid rgba(30,79,163,.18);border-radius:999px;padding:6px 13px}
.chips li.on{background:var(--accent);color:#fff;border-color:var(--accent)}
.form-card{position:relative;background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--r);box-shadow:0 24px 54px rgba(15,31,61,.14);padding:22px 24px 18px;width:100%;max-width:var(--card-max,560px);margin:0 auto;text-align:left}
.form-card__head h2{font-size:23px;letter-spacing:-.01em}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:5px;display:flex;align-items:center;gap:8px}
.form-card__head p::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--aqua);flex:0 0 8px}
.form-host{margin-top:14px}
.form-card__trust{margin-top:14px;padding-top:12px;border-top:2px dotted var(--line);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.5}
:root{--card-max:780px;--cta-text:#FFFFFF}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;margin:24px auto 0;padding:0;list-style:none;max-width:820px}
.ticks li{display:inline-flex;align-items:center;gap:8px;font-family:var(--fd);font-weight:500;font-size:14.5px;color:var(--ink)}
.ticks svg{width:18px;height:18px;flex:0 0 18px}
.hero h1{font-size:clamp(30px,4.6vw,50px);letter-spacing:-.02em;max-width:760px;margin:36px auto 0}
.hero .sub{max-width:620px;margin:14px auto 0;font-size:17px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:22px 0 48px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:18px 16px 14px;border-left-width:4px}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px;justify-items:start;margin-top:20px}
  .ticks li{font-size:13.5px;text-align:left;align-items:flex-start}
  .chips{gap:6px;margin-bottom:14px}
  .chips li{font-size:11.5px;padding:5px 10px}
  .hero h1{margin-top:28px}
}
/* steps: three transfer tiles joined by a dotted aqua line */
.steps{padding:84px 0 72px}
.sec-head{max-width:700px}
.sec-head h2{font-size:clamp(28px,3.6vw,40px);margin-top:10px;letter-spacing:-.015em}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}
.flow{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.flow::before{content:"";position:absolute;left:8%;right:8%;top:34px;border-top:3px dotted var(--aqua);opacity:.7}
.tile{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 24px;box-shadow:0 10px 30px rgba(15,31,61,.06)}
.tile .n{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--accent);color:#fff;font-family:var(--fd);font-weight:600;font-size:15px;margin-top:-42px;box-shadow:0 0 0 6px var(--bg)}
.tile h3{font-size:21px;margin-top:16px;letter-spacing:-.01em}
.tile p{margin-top:8px;font-size:16px;color:var(--text)}
.tile .out{display:inline-flex;align-items:center;gap:8px;margin-top:16px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-deep);background:var(--accent-tint);border-radius:999px;padding:6px 12px}
@media(max-width:820px){.steps{padding:60px 0 52px}.flow{grid-template-columns:1fr;gap:28px}.flow::before{left:31px;right:auto;top:6%;bottom:6%;width:0;border-top:0;border-left:3px dotted var(--aqua)}.tile{margin-left:0}.tile .n{margin-top:-40px}}

/* hooks: recognition strip on cobalt */
.hooks{background:var(--accent);color:#fff;padding:72px 0}
.hooks .eyebrow{color:var(--aqua-tint)}
.hooks h2{color:#fff;font-size:clamp(26px,3.3vw,38px);margin-top:10px;letter-spacing:-.012em;max-width:700px}
.hook-list{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 40px}
.hook-list li{font-family:var(--fd);font-weight:500;font-size:20px;line-height:1.3;color:#fff;padding:14px 0 14px 26px;position:relative;border-bottom:1px solid rgba(255,255,255,.18)}
.hook-list li::before{content:"";position:absolute;left:0;top:23px;width:10px;height:10px;border-radius:50%;background:var(--aqua)}
.hooks-close{margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 32px}
.hooks-close p{max-width:620px;font-size:16.5px;color:#E6EEFB}
.hooks .btn-primary{background:#fff;color:var(--accent-deep);border-color:#fff}
.hooks .btn-primary:hover{background:var(--aqua-tint);border-color:var(--aqua-tint)}
@media(max-width:700px){.hook-list{grid-template-columns:1fr}.hook-list li{font-size:18px;padding:12px 0 12px 24px}.hook-list li::before{top:20px}.hooks{padding:56px 0}}

/* band: still water photo, one statement */
.band{position:relative;overflow:hidden;background:var(--ink);color:#fff}
.band-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,31,61,.92) 0%,rgba(15,31,61,.84) 48%,rgba(15,31,61,.28) 100%)}
.band-in{position:relative;z-index:1;padding:96px 0;max-width:580px}
.band .eyebrow{color:var(--foot-link)}
.band h2{color:#fff;font-size:clamp(30px,4vw,44px);margin-top:12px;letter-spacing:-.015em}
.band p{margin-top:16px;font-size:17px;color:#DCE4F2;max-width:500px}
.band-link{display:inline-flex;align-items:center;gap:8px;margin-top:26px;font-family:var(--fd);font-weight:600;font-size:15px;color:var(--foot-link);text-decoration:none;border-bottom:1px solid rgba(127,211,202,.5);padding-bottom:3px}
.band-link:hover{border-bottom-color:var(--foot-link)}
@media(max-width:600px){.band-veil{background:linear-gradient(180deg,rgba(15,31,61,.9) 0%,rgba(15,31,61,.86) 100%)}.band-in{padding:64px 0}}

/* why: dark ink band, pier artwork + trio */
.why{background:var(--foot-bg);color:var(--foot-text);padding:92px 0;overflow:hidden}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.why .eyebrow{color:var(--foot-link)}
.why h2{color:#fff;font-size:clamp(28px,3.6vw,40px);margin-top:10px;letter-spacing:-.015em}
.why-lead{margin-top:14px;color:var(--dim);font-size:16.5px}
.trio{list-style:none;margin:26px 0 0;padding:0;border-top:1px solid rgba(203,213,230,.16)}
.trio li{display:grid;grid-template-columns:44px 1fr;gap:12px;padding:20px 0;border-bottom:1px solid rgba(203,213,230,.16)}
.trio li svg{width:30px;height:30px;margin-top:2px}
.trio h3{color:#fff;font-size:19px}
.trio p{margin-top:6px;color:var(--dim);font-size:15.5px}
.art{width:100%;border-radius:var(--r)}
@media(max-width:900px){.why{padding:64px 0}.why-grid{grid-template-columns:1fr;gap:36px}.art{max-width:520px;margin:0 auto}}

/* guides: three link cards */
.guides{padding:84px 0 20px}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}
.guide{display:block;text-decoration:none;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 24px;color:var(--text);transition:transform .5s cubic-bezier(.22,1,.36,1),box-shadow .5s cubic-bezier(.22,1,.36,1)}
.guide:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(15,31,61,.1)}
.guide .k{font-family:var(--fd);font-weight:500;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--aqua)}
.guide h3{font-size:19px;margin-top:10px;letter-spacing:-.01em}
.guide p{margin-top:8px;font-size:15.5px;color:var(--muted)}
.guide span{display:inline-block;margin-top:14px;font-family:var(--fd);font-weight:600;font-size:14px;color:var(--accent)}
@media(max-width:820px){.guides{padding:60px 0 10px}.guide-grid{grid-template-columns:1fr}}
/* faq: six question cards in two columns */
.faq{padding:64px 0 84px}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:34px}
.qa{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 24px}
.qa h3{font-size:18px;color:var(--accent-deep);letter-spacing:-.005em;line-height:1.3;padding-left:16px;border-left:3px solid var(--aqua)}
.qa p{margin-top:10px;font-size:16px;color:var(--text)}
.qa a{color:var(--accent-deep)}
.faq-note{margin-top:22px;font-size:15px;color:var(--muted)}
@media(max-width:760px){.faq{padding:48px 0 60px}.faq-grid{grid-template-columns:1fr;gap:14px}}

/* closing cta band */
.cta{padding:76px 0;background:var(--accent-tint);border-top:1px solid var(--aqua-tint)}
.cta-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.cta h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-.015em}
.cta p{margin-top:10px;color:var(--muted);max-width:560px}
@media(max-width:760px){.cta{padding:56px 0}.cta-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:64px 0 40px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 40px;align-items:start;padding-bottom:28px;border-bottom:1px solid rgba(203,213,230,.14)}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:10px;color:var(--dim);max-width:480px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fd);font-weight:500;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(127,211,202,.5);padding-bottom:2px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 0;margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:500;font-size:14px;padding:4px 14px;border-left:1px solid rgba(203,213,230,.25)}
.legal-links a:first-child{padding-left:0;border-left:0}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(203,213,230,.14)}
.disc p{color:var(--dim);font-size:13px;line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#fff;font-weight:600}
.disc a{color:var(--foot-link)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}.legal-links a{padding:4px 10px}}

/* subpage prose: legal pages, guides, 404 */
.sub main{background:var(--bg)}
.prose{max-width:740px;padding:52px 20px 88px}
.prose h1{font-size:clamp(30px,4.2vw,42px);letter-spacing:-.02em}
.prose .updated{margin-top:10px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.prose .lead{margin-top:16px;font-size:19px;line-height:1.55;color:var(--ink)}
.prose h2{font-size:23px;margin-top:40px;padding-top:22px;border-top:2px dotted var(--line);letter-spacing:-.01em}
.prose h3{font-size:18px;margin-top:24px;color:var(--accent-deep)}
.prose p{margin-top:14px;line-height:1.7}
.prose ul,.prose ol{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.65;padding-left:4px}
.prose li::marker{color:var(--aqua)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose .btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose .btn-primary{color:#fff}
.prose .btn-ghost{color:var(--ink)}
.prose .note{margin-top:22px;background:var(--accent-tint);border-left:4px solid var(--accent);border-radius:0 var(--r) var(--r) 0;padding:14px 18px;font-size:15.5px}
.prose .crumbs{list-style:none;margin:0 0 14px;padding:0;display:flex;flex-wrap:wrap;gap:6px;font-family:var(--fd);font-size:13px;color:var(--muted)}
.prose .crumbs li+li::before{content:"/";margin-right:6px;color:var(--aqua)}
.prose .crumbs a{color:var(--muted);text-decoration:none}
.prose table{width:100%;border-collapse:collapse;margin-top:16px;font-size:15.5px}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-family:var(--fd);font-weight:600;color:var(--ink);background:var(--accent-tint)}
@media(max-width:600px){.prose table{display:block;overflow-x: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-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}