/* West Texas Finance — built from codex/design/comp_spec.md (benchmark: OneMain, Regional, Tower Loan, Sun Loan) */
:root{
  --blue:#0D4BCB;--blue-d:#0A3CA6;--navy:#0B3A75;--ink:#0B1F45;--ink-2:#4F5E7A;
  --cta:#FF6118;--cta-d:#EE5208;--pale:#F0F6FF;--line:#D7E2F0;--white:#fff;--foot:#0A2A57;
  --r:16px;--shadow:0 8px 32px rgba(20,45,78,.10);--w:1248px;
  --hf:Manrope,Arial,sans-serif;--bf:Inter,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:400 16px/1.6 var(--bf);color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--blue-d)}
h1,h2,h3{font-family:var(--hf);color:var(--ink);font-weight:800;line-height:1.12}
h1{font-size:clamp(2.25rem,4.4vw,3.6rem);letter-spacing:-.03em;margin:.15em 0 .35em}
h2{font-size:clamp(1.6rem,2.6vw,2rem);letter-spacing:-.02em;margin:0 0 .6em}
h3{font-size:1.2rem;font-weight:700;letter-spacing:-.01em;margin:1.3em 0 .4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.3em 0}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.wrap{max-width:var(--w);margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}

/* header */
.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:28px;min-height:84px}
.logo{display:flex;align-items:center;flex:none}
.logo svg{display:block;height:54px;width:auto;aspect-ratio:346/94}
.nav{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav a{white-space:nowrap;padding:9px 12px;border-radius:999px;text-decoration:none;font-weight:500;font-size:.94rem;color:var(--ink)}
.nav a:hover,.nav a[aria-current=page]{background:var(--pale);color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 26px;border-radius:999px;background:var(--cta);color:var(--ink)!important;font:700 15px/1.2 var(--bf);text-decoration:none;border:0;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--cta-d)}
.btn.blue{background:var(--blue);color:#fff!important}
.btn.blue:hover{background:var(--blue-d)}
.btn.ghost{background:transparent;color:var(--blue)!important;box-shadow:inset 0 0 0 2px var(--line)}
.btn.ghost:hover{box-shadow:inset 0 0 0 2px var(--blue)}
.nav .btn{min-height:44px;padding:0 20px;margin-left:12px}
.menu-t{display:none;margin-left:auto;background:none;border:0;padding:10px;cursor:pointer}
.menu-t span{display:block;width:24px;height:3px;border-radius:2px;background:var(--blue);margin:4px 0}

/* home hero */
.hero{padding:40px 0 48px}
.hero .wrap{display:grid;grid-template-columns:1.15fr 1fr;gap:40px;align-items:stretch}
.kicker{font:600 13px/1.5 var(--bf);color:var(--blue);margin:0 0 6px;letter-spacing:.01em}
.hero h1{font-size:clamp(48px,4.7vw,72px);line-height:1.03;letter-spacing:-.04em;margin:.1em 0 .3em}
.hero .lead{font-size:20px;line-height:1.4;color:var(--ink-2);max-width:620px;margin-bottom:24px}
.hero-photo{border-radius:20px;overflow:hidden;min-height:100%}
.hero-photo img{width:100%;height:100%;min-height:480px;object-fit:cover;object-position:50% 30%}
.amount{background:#fff;border:1px solid #EAF0F7;border-radius:20px;box-shadow:0 4px 18px rgba(16,42,76,.08);padding:28px;max-width:620px}
.amount h2{font-size:22px;font-weight:700;margin:0 0 16px;letter-spacing:-.01em}
.chips{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin:0 0 16px;padding:0;border:0}
.chips legend{position:absolute;left:-999px}
.chips label{position:relative}
.chips input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.chips span{display:flex;align-items:center;justify-content:center;height:46px;border-radius:10px;border:1px solid transparent;background:#E6F0FF;color:var(--blue);font-weight:600;font-size:14px;cursor:pointer;transition:background .15s,color .15s}
.chips input:checked+span{background:var(--blue);border-color:var(--blue);color:#fff}
.chips input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.amount .btn{width:100%}
.fine{font-size:12px;line-height:1.5;color:var(--ink-2);margin:12px 0 0;text-align:center}

/* trust strip */
.trust{background:var(--pale);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0;padding:22px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.trust li{display:flex;align-items:center;gap:12px;margin:0;font-weight:600;font-size:14px}
.ico{display:inline-flex;flex:none;color:var(--blue)}
.ico svg{width:100%;height:100%;fill:currentColor}
.trust .ico{width:36px;height:36px}

/* purposes */
.purposes{padding:48px 0 52px;text-align:center}
.purposes ul{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.purposes li{margin:0;display:flex;flex-direction:column;align-items:center;gap:12px;font:700 17px/1.3 var(--hf)}
.purposes .ico{width:56px;height:56px}

/* steps band */
.steps-band{background:var(--blue);color:#fff;padding:36px 0}
.steps-band .wrap{display:grid;grid-template-columns:260px 1fr;gap:32px;align-items:start}
.steps-band h2{color:#fff;margin:4px 0 0;font-size:36px;line-height:1.08}
.steps-band ol{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;counter-reset:s}
.steps-band li{counter-increment:s;margin:0;display:grid;grid-template-columns:44px 1fr;column-gap:16px;row-gap:6px;align-content:start}
.steps-band li::before{content:counter(s);grid-row:1;display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:#fff;color:var(--blue);font:800 18px var(--hf)}
.steps-band strong{font:700 18px/1.3 var(--hf);align-self:center}
.steps-band span{grid-column:2;color:#DCE6FB;font-size:15px}

/* inner page hero */
.page-hero{background:var(--pale);border-bottom:1px solid var(--line)}
.page-hero .wrap{padding-top:36px;padding-bottom:40px}
.page-hero h1{max-width:1000px;font-size:clamp(2.1rem,3.6vw,3rem);line-height:1.08}
.page-hero .lead{font-size:18px;max-width:760px;color:var(--ink-2);margin:0}
.crumbs{font-size:13px;color:var(--ink-2);margin:0 0 6px}
.crumbs a{color:var(--ink-2)}
.updated{font-size:13px;color:var(--ink-2);margin:14px 0 0}

/* sections */
.sec{padding:64px 0}
.sec.alt{background:var(--pale)}
.narrow{max-width:820px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.sec.alt .card{border-color:transparent;box-shadow:0 2px 10px rgba(20,45,78,.05)}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;color:var(--ink);display:block;transition:box-shadow .15s,border-color .15s}
a.card:hover{border-color:var(--blue);box-shadow:var(--shadow)}
a.card .more{color:var(--blue);font-weight:700;font-size:15px}
.card .ico{width:44px;height:44px;padding:9px;border-radius:12px;background:var(--pale);margin-bottom:14px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.split img{border-radius:var(--r)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;margin:0}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font:800 17px var(--hf);margin-bottom:12px}
.steps strong{display:block;font:700 17px/1.3 var(--hf);margin-bottom:4px}
.split .steps{grid-template-columns:1fr;gap:12px}
.split .steps li{display:grid;grid-template-columns:40px 1fr;column-gap:16px;padding:18px 20px}
.split .steps li::before{grid-row:span 2;margin:0}
.note{background:#fff;border:1px solid var(--line);padding:16px 20px;border-radius:12px;margin:22px 0;font-size:14px;color:var(--ink-2)}
.sec.alt .note{background:#fff}
.note p:last-child{margin:0}

/* tables */
.tbl{width:100%;overflow-x:auto;margin:18px 0 26px;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:560px}
th,td{padding:13px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:var(--ink);color:#fff;font-weight:600;font-size:14px}
tr:last-child td{border-bottom:0}
tbody tr:nth-child(even) td{background:#F8FAFD}
td:first-child{font-weight:600}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.calc label{display:block;font-weight:600;margin:0 0 8px}
.calc .f{margin-bottom:20px}
.calc input[type=range]{width:100%;accent-color:var(--blue)}
.calc output{float:right;font-weight:700;color:var(--blue)}
.calc .res{background:var(--ink);color:#fff;border-radius:12px;padding:24px}
.calc .res .big{font:800 2.5rem/1.1 var(--hf);margin:4px 0 14px}
.calc .res dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:0 0 14px;font-size:15px}
.calc .res dd{margin:0;font-weight:700;text-align:right}
.calc .res small{color:#C3D0E6;display:block;line-height:1.5}
.calc .presets{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}
.calc .presets button{border:1px solid var(--line);background:var(--pale);border-radius:999px;padding:6px 12px;font:500 13px var(--bf);cursor:pointer;color:var(--blue)}
.calc .presets button[aria-pressed=true]{background:var(--blue);color:#fff;border-color:var(--blue)}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font:700 16px/1.4 var(--hf);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:2px;top:50%;width:10px;height:10px;border-right:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details>div{padding:0 0 16px;color:var(--ink-2)}

/* places */
.place{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff}
.place b{display:block;font-family:var(--hf)}
.place span{display:block;color:var(--ink-2);font-size:14px;margin-top:4px}

/* cta band */
.band{background:var(--blue);color:#fff;border-radius:20px;padding:40px 44px;display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px}
.band p{margin:0;color:#DCE6FB;max-width:40em}

/* footer */
.foot{background:var(--foot);color:#B7C6DE;font-size:14px;padding:56px 0 30px}
.foot a{color:#fff;text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.foot h3{color:#fff;font:700 13px var(--bf);letter-spacing:.08em;text-transform:uppercase;margin:0 0 12px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin:7px 0}
.foot svg.lgw{display:block;height:44px;width:auto;aspect-ratio:346/94;margin-bottom:14px}
.foot .legal{border-top:1px solid rgba(255,255,255,.14);padding-top:22px;font-size:13px;line-height:1.6}
.foot .legal p{margin:0 0 10px}

.apply-box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow);min-height:280px}
.sticky{display:none}

@media (max-width:1120px){
  .menu-t{display:block}
  .nav{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 18px;gap:2px}
  .nav.open{display:flex}
  .nav a{padding:12px 14px;border-radius:10px}
  .nav .btn{margin:8px 0 0}
}
@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:28px}
  .hero-photo img{min-height:0;aspect-ratio:16/10;object-position:50% 35%}
  .steps-band .wrap{grid-template-columns:1fr;gap:20px}
  .trust ul{grid-template-columns:1fr 1fr}
  .purposes ul{grid-template-columns:repeat(3,1fr);row-gap:24px}
  .steps-band ol{grid-template-columns:1fr;gap:20px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3,.steps{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:28px}
  .foot .cols{grid-template-columns:1fr 1fr}
  .calc{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:15px}
  .wrap{padding:0 20px}
  .top .wrap{min-height:72px}
  .nav{top:72px}
  .logo svg{height:44px}
  .hero{padding:24px 0 36px}
  h1,.hero h1{font-size:2.25rem;letter-spacing:-.03em;line-height:1.06}
  .hero-photo img{aspect-ratio:1.9}
  .purposes .ico{width:40px;height:40px}
  .purposes li{font-size:13px}
  .trust .ico{width:28px;height:28px}
  .hero .lead{font-size:15px;margin-bottom:20px}
  .amount{padding:20px}
  .amount h2{font-size:20px}
  .chips{gap:6px}
  .chips span{height:42px;font-size:12px}
  .trust ul{gap:16px;padding:20px 0}
  .trust li{font-size:13px}
  .purposes{padding:36px 0 40px;text-align:left}
  .purposes ul{gap:12px}
  .purposes li{font-size:13px}
  .sec{padding:44px 0}
  .g2,.g3,.g4,.steps{grid-template-columns:1fr}
  .foot .cols{grid-template-columns:1fr}
  .band{padding:28px 22px}
  .tbl{border:0;background:none;overflow:visible}
  .tbl table{min-width:0}
  .tbl thead{display:none}
  .tbl table,.tbl tbody,.tbl tr,.tbl td{display:block;width:100%}
  .tbl tr{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:6px 0}
  .tbl tbody tr:nth-child(even) td{background:none}
  .tbl td{border:0;padding:6px 16px}
  .tbl td[data-label]:not([data-label=""])::before{content:attr(data-label);display:block;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:1px}
  .tbl td:first-child{font-family:var(--hf);font-size:16px}
  .sticky{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(20,45,78,.08)}
  .sticky .btn{flex:1}
  body.has-sticky{padding-bottom:76px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

@media (max-width:640px){.hero h1 br{display:none}}