@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');:root{--primary:#4355ef;--accent:#8956e8;--ink:#15203d;--muted:#68738d;--line:#e6e9f3;--soft:#f6f7ff;--radius:22px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.7 'DM Sans',Arial,sans-serif}h1,h2,h3,.brand{font-family:Manrope,Arial,sans-serif;line-height:1.16}h1{font-size:clamp(2.9rem,5.1vw,5.3rem);letter-spacing:-.065em;margin:20px 0}h2{font-size:clamp(2rem,3.2vw,3.2rem);letter-spacing:-.05em;margin:15px 0 22px}h3{font-size:1.25rem;letter-spacing:-.025em}p{color:var(--muted)}a{color:inherit;text-decoration:none}.container{width:min(1160px,calc(100% - 44px));margin:auto}.skip{position:absolute;top:-100px;left:10px;background:white;padding:10px;z-index:99}.skip:focus{top:10px}.site-header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #f0f1f7}.nav{display:flex;align-items:center;justify-content:space-between;min-height:86px;gap:25px}.brand{font-size:1.16rem;font-weight:800;display:flex;align-items:center;gap:12px;letter-spacing:-.045em}.brand-mark{background:linear-gradient(135deg,var(--primary),var(--accent));color:#fff;border-radius:13px;width:40px;height:40px;display:grid;place-items:center;font-weight:800}.brand-logo{max-width:180px;max-height:60px;width:auto;height:auto}.navigation{display:flex;align-items:center;gap:29px;font-size:.91rem;font-weight:700}.navigation>a:not(.btn):hover{color:var(--primary)}.menu-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;border:0;border-radius:12px;padding:15px 23px;background:linear-gradient(115deg,var(--primary),var(--accent));color:#fff!important;font-weight:700;font-size:.94rem;box-shadow:0 12px 26px rgba(67,85,239,.18);transition:transform .2s,box-shadow .2s}.btn:hover{transform:translateY(-2px);box-shadow:0 16px 30px rgba(67,85,239,.25)}.btn-small{padding:11px 17px}.btn-outline{background:white;color:var(--ink)!important;border:1px solid var(--line);box-shadow:none}.btn-light{background:white;color:var(--primary)!important}.hero{overflow:hidden;background:radial-gradient(circle at 78% 38%,#e8e4ff 0,transparent 35%),linear-gradient(145deg,#fafbff,#f4f5ff 60%,#fff);padding:90px 0 110px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:55px}.eyebrow,.kicker{font-size:.75rem;letter-spacing:.15em;text-transform:uppercase;font-weight:800;color:var(--primary)}.eyebrow{display:inline-flex;align-items:center;gap:9px;background:#ebeaff;border:1px solid #dcdafe;padding:8px 13px;border-radius:30px;letter-spacing:.07em}.dot{width:8px;height:8px;background:var(--accent);border-radius:50%}.gradient-text{background:linear-gradient(100deg,var(--primary),var(--accent));-webkit-background-clip:text;background-clip:text;color:transparent}.hero-copy{font-size:1.12rem;max-width:510px;margin-bottom:28px}.actions{display:flex;gap:13px;flex-wrap:wrap}.hero-note{font-size:.78rem;color:#79829a;margin-top:36px}.hero-note span{color:var(--accent);margin:0 7px}.hero-art{height:440px;position:relative;display:grid;place-items:center}.orbit{position:absolute;border:1px solid #d8d6ff;border-radius:50%;width:420px;height:420px}.orbit-two{width:320px;height:320px}.finance-card{position:relative;z-index:2;width:310px;min-height:330px;background:linear-gradient(145deg,#5966ff,#7d4bea);border:1px solid rgba(255,255,255,.35);border-radius:28px;box-shadow:0 35px 65px rgba(72,70,172,.3);color:white;padding:28px;transform:rotate(-5deg)}.finance-top{display:flex;align-items:center;gap:12px;font-size:.9rem}.finance-icon{background:#ffffff30;width:40px;height:40px;display:grid;place-items:center;border-radius:12px;font-size:1.4rem}.finance-heading{font:800 1.65rem/1.25 Manrope;margin:33px 0 24px}.bar-graph{display:flex;align-items:end;gap:9px;height:82px}.bar-graph i{width:28px;background:#ffffff88;border-radius:7px 7px 0 0;height:40%}.bar-graph i:nth-child(2){height:65%}.bar-graph i:nth-child(3){height:53%}.bar-graph i:nth-child(4){height:82%}.bar-graph i:nth-child(5){height:69%}.bar-graph i:nth-child(6){height:100%}.bar-graph i:nth-child(7){height:88%}.finance-bottom{font-size:.72rem;opacity:.85;margin-top:18px}.floating{position:absolute;z-index:3;background:#fff;padding:13px 18px;border-radius:13px;box-shadow:0 15px 40px #4c49b528;font-size:.78rem;font-weight:800}.floating-top{top:28px;right:-10px}.floating-bottom{bottom:40px;left:-20px}.section{padding:95px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:60px;margin-bottom:34px}.section-head h2{max-width:630px}.section-head p{max-width:330px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.feature-card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:0 9px 28px #1b246008;transition:transform .2s,box-shadow .2s}.feature-card:hover{transform:translateY(-4px);box-shadow:0 20px 45px #1b246015}.feature-icon{display:grid;place-items:center;width:54px;height:54px;background:#f0edff;border-radius:15px;color:var(--primary);font-size:1.5rem;font-weight:800}.feature-card h3{margin:24px 0 10px}.feature-card p{font-size:.94rem}.feature-card a,.text-link{color:var(--primary);font-weight:800;font-size:.9rem}.soft{background:var(--soft)}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.split p{max-width:530px}.check-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:25px;box-shadow:0 18px 55px #212e6b0a}.check-panel>div{display:flex;align-items:center;gap:18px;padding:20px 8px}.check-panel>div+div{border-top:1px solid var(--line)}.check-panel b{color:var(--primary);font-size:1.25rem;min-width:35px}.check-panel span{display:flex;flex-direction:column}.check-panel small{color:var(--muted);font-size:.88rem}.cta-panel{text-align:center;background:linear-gradient(125deg,var(--primary),var(--accent));padding:70px 25px;border-radius:30px;color:white}.cta-panel .kicker,.cta-panel p{color:#ffffffc9}.cta-panel h2{margin:15px 0}.cta-panel p{margin-bottom:28px}.page-hero{background:linear-gradient(135deg,#f7f8ff,#ecebff);padding:90px 0 80px}.page-hero h1{font-size:clamp(2.6rem,5vw,4.4rem)}.page-hero p{font-size:1.15rem;max-width:650px}.page-content{min-height:320px}.notice{background:#f7f8ff;padding:18px 22px;border-radius:12px;margin-top:30px;font-size:.85rem}.contact-box{display:flex;flex-direction:column;margin-top:20px}.contact-box a{color:var(--primary)}.contact-panel{padding:36px;background:#f5f4ff;border:1px solid #e3e1ff;border-radius:22px}.editor-section{margin-top:35px}.editable-content{border-top:1px solid var(--line);padding-top:25px}.site-footer{background:#111b37;color:white;padding:70px 0 22px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer-brand{font:800 1.35rem Manrope}.site-footer p,.site-footer span{color:#aeb8d0}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:10px;font-size:.9rem}.footer-grid strong{margin-bottom:7px}.footer-grid a{color:#d8def1}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #ffffff1b;padding-top:23px;margin-top:50px;font-size:.77rem}.post-item{border-bottom:1px solid var(--line);padding:25px 0}@media(max-width:900px){.navigation{gap:15px}.hero-grid{gap:15px}.hero-art{transform:scale(.82)}.split{gap:35px}.cards{grid-template-columns:repeat(2,1fr)}}@media(max-width:700px){.nav{min-height:70px}.menu-toggle{display:block;background:transparent;border:0;font-size:1.6rem;cursor:pointer}.navigation{display:none;position:absolute;left:0;right:0;top:70px;background:white;padding:20px 25px 28px;box-shadow:0 20px 25px #111b3718;flex-direction:column;align-items:stretch;gap:18px}.navigation.is-open{display:flex}.hero{padding:55px 0 40px}.hero-grid,.split{grid-template-columns:1fr}.hero-art{height:350px;transform:scale(.78);margin:-15px 0}.floating-top{right:-15px}.section{padding:65px 0}.section-head{display:block}.cards{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{flex-direction:column}.page-hero{padding:65px 0}.container{width:min(100% - 32px,1160px)}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Master v2 application UI */
.wcc-application{max-width:820px;margin:auto;background:white;border:1px solid #e7e8f7;border-radius:24px;padding:clamp(22px,4vw,46px);box-shadow:0 22px 70px rgba(35,40,100,.08)}
.application-alert{padding:16px 18px;background:#f1efff;border-left:4px solid var(--accent,#8956e8);border-radius:12px;color:#343452;line-height:1.6;margin-bottom:26px}
.application-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:0 0 32px}.application-progress span{font-size:13px;font-weight:700;background:#f3f4fb;padding:12px 9px;text-align:center;border-radius:12px;color:#6c7189}.application-progress span.active{background:linear-gradient(120deg,var(--primary,#4355ef),var(--accent,#8956e8));color:white}
.wcc-application h2{font-size:clamp(26px,4vw,38px);margin:0 0 10px}.wcc-application p{line-height:1.7}.wcc-application label:not(.application-consent){display:block;font-weight:700;margin:22px 0 9px}.wcc-application select{width:100%;border:1px solid #d9dcf0;border-radius:12px;padding:15px 14px;background:white;color:#17213d;font:inherit}.application-example{background:#f6f6ff;border-radius:16px;padding:20px;margin-top:25px;font-size:24px;font-weight:800;color:#3547dd}.application-small{font-size:13px;color:#687087}.application-actions{display:flex;gap:12px;justify-content:flex-end;margin-top:28px;flex-wrap:wrap}.application-review{background:#f6f6ff;border-radius:14px;padding:20px;line-height:2}.application-consent{display:flex;gap:10px;align-items:flex-start;margin:20px 0}.application-consent input{margin-top:6px}.application-step[hidden],#wcc-back[hidden],#wcc-complete[hidden]{display:none!important}
@media(max-width:560px){.application-progress span{font-size:11px;padding:9px 4px}.wcc-application{padding:20px}}

/* Master v3: richer, responsive informational pages */
.wcc-band{margin:68px 0 58px;padding:42px clamp(24px,5vw,56px);border-radius:24px;background:linear-gradient(135deg,#f6f8ff,#f0ebff)}
.wcc-band h2{margin:10px 0 14px}.wcc-band p{max-width:760px}.wcc-band .btn{margin-top:14px}
.wcc-faq{display:grid;gap:13px;max-width:920px;margin:20px auto 0}.wcc-faq details{background:#fff;border:1px solid #e4e7f5;border-radius:16px;padding:20px 24px}.wcc-faq summary{cursor:pointer;font-weight:800;color:#16213c}.wcc-faq details p{margin:16px 0 0;line-height:1.75}
.wcc-guide{padding:32px 0;border-bottom:1px solid #e4e7f5;scroll-margin-top:120px}.wcc-guide:first-of-type{padding-top:8px}.wcc-guide h2{font-size:clamp(1.65rem,3vw,2.2rem);margin:12px 0}.wcc-guide p{max-width:850px;line-height:1.8}.wcc-guide ul{line-height:1.9;padding-left:24px}.wcc-service-grid .feature-card{scroll-margin-top:125px}.wcc-card-note{font-size:.85rem;color:#59617a;border-top:1px solid #e9ebf7;padding-top:15px;margin-top:18px}
@media(max-width:700px){.wcc-band{margin:45px 0;padding:28px 22px}.wcc-faq details{padding:17px 18px}.wcc-guide{padding:25px 0}}

/* Editorial Master visual identity */
@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500;1,600&display=swap');
:root{--primary:#21685e;--accent:#e3a66a;--ink:#1e3533;--muted:#62736f;--line:#e5e8e2;--soft:#f8f7f2;--radius:16px}
body{font-family:'DM Sans',sans-serif;color:var(--ink);background:#fffdf9}
h1,h2,h3{font-family:'Playfair Display',Georgia,serif;letter-spacing:-.035em;font-weight:600}
h1 em,h2 em{font-weight:500;color:var(--primary)}
.site-header{background:#fffdf9}.brand{font-family:'DM Sans',sans-serif;font-size:1.1rem}.brand-mark{background:var(--primary);border-radius:50%}.navigation{font-weight:600;gap:26px}.navigation>a.btn{border-radius:40px}
.btn{background:var(--primary);box-shadow:none;border-radius:40px;padding:15px 24px}.btn:hover{box-shadow:0 12px 25px #21685e22}
.editorial-kicker{display:inline-block;font:700 .73rem/1.5 'DM Sans',sans-serif;letter-spacing:.15em;color:var(--primary)}
.editorial-hero{background:#f8f7f2;padding:64px 0 80px}.editorial-hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:7%}.editorial-hero-text h1{font-size:clamp(3.6rem,6.4vw,6.6rem);line-height:1.06;letter-spacing:-.06em;margin:24px 0}.editorial-hero-text p{font-size:1.14rem;line-height:1.9;max-width:530px}.editorial-hero .actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin:30px 0}.editorial-inline{font-weight:700;color:var(--primary);border-bottom:1px solid currentColor;padding-bottom:5px}.editorial-hero-caption{margin-top:65px;color:#667770;font-size:.87rem}.tiny-sun{color:#c6925d;font-size:1.5rem;margin-right:10px}.editorial-photo{position:relative;height:560px;border-radius:220px 220px 16px 16px;overflow:hidden;background:#d7d4c9}.editorial-photo img,.editorial-story-photo img{height:100%;width:100%;object-fit:cover;display:block}.editorial-photo-note{position:absolute;bottom:24px;left:24px;right:24px;background:#fffdf9ed;padding:17px 20px;border-radius:12px;color:var(--primary);font-weight:700;text-align:center}
.editorial-section{padding:105px 0}.editorial-heading{display:flex;align-items:end;justify-content:space-between;gap:40px;margin-bottom:44px}.editorial-heading h2,.editorial-story h2,.editorial-faq h2,.editorial-cta h2{font-size:clamp(2.5rem,4.1vw,4.4rem);line-height:1.17;margin:18px 0}.editorial-heading>p{max-width:410px}.editorial-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.editorial-card{padding:30px 25px;background:#f8f7f2;border:1px solid #eae8df;border-radius:15px;display:flex;flex-direction:column;min-height:370px}.editorial-card>span,.editorial-guide>span{font-size:.68rem;letter-spacing:.11em;font-weight:800;color:#8d7c66}.editorial-card-symbol{font:2.4rem Georgia;color:var(--primary);margin:30px 0 10px}.editorial-card h3{font-size:1.65rem;margin:8px 0}.editorial-card p{font-size:.9rem;line-height:1.7;flex:1}.editorial-card a{color:var(--primary);font-weight:700;font-size:.88rem}.editorial-center{text-align:center;margin-top:40px}
.editorial-story{padding:100px 0;background:#eaf0e9}.editorial-story-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:center}.editorial-story-photo{height:480px;overflow:hidden;border-radius:14px 190px 14px 14px}.editorial-story p{font-size:1.04rem;line-height:1.9}.editorial-story .btn{margin-top:18px}.editorial-guides{background:#fff}.editorial-guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.editorial-guide{background:#f8f7f2;border-radius:14px;padding:32px;min-height:300px;display:flex;flex-direction:column}.editorial-guide h3{font-size:1.75rem}.editorial-guide p{flex:1}.editorial-guide b{color:var(--primary);font-size:.9rem}.editorial-faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:10%}.editorial-faq-list details{padding:20px 0;border-bottom:1px solid #ddd}.editorial-faq-list summary{cursor:pointer;font-weight:700;font-size:1.05rem}.editorial-faq-list details p{margin:15px 0 0}.editorial-cta{padding:105px 0;text-align:center;background:#1e4b43;color:#fff}.editorial-cta h2{color:#fff}.editorial-cta h2 em{color:#efc596}.editorial-cta p{color:#d6e5de;max-width:600px;margin:0 auto 30px}.editorial-cta .editorial-kicker{color:#efc596}.editorial-cta .btn{background:#fff;color:#1e4b43!important}
.page-hero{background:#f8f7f2}.page-hero h1{font-family:'Playfair Display',Georgia,serif}.gradient-text{color:var(--primary);background:none;-webkit-text-fill-color:var(--primary)}
@media(max-width:960px){.editorial-hero-grid,.editorial-story-grid,.editorial-faq{grid-template-columns:1fr}.editorial-photo{height:460px;max-width:630px}.editorial-cards{grid-template-columns:repeat(2,1fr)}.editorial-heading{align-items:start;flex-direction:column}.editorial-hero-caption{margin-top:30px}}
@media(max-width:620px){.editorial-hero{padding:45px 0}.editorial-hero-text h1{font-size:3.5rem}.editorial-photo{height:360px;border-radius:140px 140px 14px 14px}.editorial-section{padding:65px 0}.editorial-cards,.editorial-guide-grid{grid-template-columns:1fr}.editorial-card{min-height:280px}.editorial-story{padding:65px 0}.editorial-story-photo{height:320px}.editorial-cta{padding:70px 0}}

/* V3: reference-inspired loan profile application */
.wcc-application-v3{max-width:930px;border-radius:9px;box-shadow:0 12px 40px #142e2210;padding:clamp(22px,5vw,54px)}
.wcc-application-v3 .application-progress span{border-radius:5px;background:#f1f3ed}.wcc-application-v3 .application-progress span.active{background:var(--primary);color:#fff}
.wcc-application-v3 .application-alert{background:#f9f6ec;border-left-color:var(--accent);font-size:.88rem}
.wcc-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.wcc-application-v3 .wcc-field{margin-top:18px}
.wcc-application-v3 .wcc-field label{display:block;margin:0 0 7px;font-size:.88rem;font-weight:700}
.wcc-application-v3 .wcc-field select,.wcc-application-v3 .wcc-field input{width:100%;min-height:51px;border:1px solid #d9ddd7;border-radius:7px;padding:12px 14px;background:#fff;color:#20332c;font:inherit}
.wcc-application-v3 .wcc-field input:focus,.wcc-application-v3 .wcc-field select:focus{outline:2px solid var(--primary);outline-offset:1px}
.wcc-estimate-card{background:#f3f6f0;border:1px solid #e1e8dc;padding:23px 26px;border-radius:9px;margin-top:26px;display:flex;flex-direction:column;gap:3px}
.wcc-estimate-card span{font-size:.84rem;font-weight:700;color:#516459}.wcc-estimate-card strong{font-size:2.2rem;font-family:Georgia,serif;color:var(--primary)}.wcc-estimate-card small{font-size:.78rem;color:#68736c}
.wcc-review-row{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid #e6e9e3;line-height:1.45}.wcc-review-row strong{text-align:right;overflow-wrap:anywhere}.wcc-application-v3 .application-review{background:#f8f9f6}
@media(max-width:650px){.wcc-form-grid{grid-template-columns:1fr;gap:0}.wcc-application-v3 .application-progress span{font-size:10px}}

/* Reference-layout master v4 refinements */
:root{--primary:#1f6055;--accent:#c68b5c}
.site-header .nav{min-height:88px}.navigation{gap:30px}
.editorial-hero{padding:76px 0 95px;background:#f6f5ef}.editorial-hero-grid{gap:8%}
.editorial-hero-text h1{font-size:clamp(3.6rem,6.1vw,6.4rem);max-width:650px}
.editorial-hero-text h1 em{font-style:italic;color:var(--primary)}
.editorial-photo{height:585px;border-radius:250px 250px 10px 10px}
.editorial-photo-note{bottom:24px;left:26px;right:26px}
.editorial-card{background:#faf9f5;border-color:#e8e6dc;border-radius:9px}
.editorial-story{background:#eaf0e8}
.editorial-guide{border-radius:9px}.editorial-cta{background:#214b43}
@media(max-width:960px){.editorial-photo{height:480px}}
@media(max-width:620px){.editorial-photo{height:360px}}