@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,100..1000;1,9..40,100..1000&family=Outfit:wght@300;400;500;600;700;800&display=swap');:root{--background:210 20% 98%;--foreground:220 30% 15%;--card:0 0 100%;--card-foreground:220 30% 15%;--popover:0 0 100%;--popover-foreground:220 30% 15%;--primary:220 70% 25%;--primary-foreground:0 0 100%;--secondary:175 60% 40%;--secondary-foreground:0 0 100%;--muted:210 20% 94%;--muted-foreground:220 15% 45%;--accent:45 95% 55%;--accent-foreground:220 30% 15%;--destructive:0 84.2% 60.2%;--destructive-foreground:210 40% 98%;--border:220 15% 90%;--input:220 15% 90%;--ring:220 70% 25%;--radius:.75rem;--gradient-hero:linear-gradient(135deg,hsl(220 70% 25%) 0,hsl(200 70% 35%) 50%,hsl(175 60% 40%) 100%);--gradient-hero-subtle:linear-gradient(180deg,hsl(210 30% 98%) 0,hsl(210 20% 96%) 100%);--gradient-card:linear-gradient(180deg,hsl(0 0 100%) 0,hsl(210 20% 99%) 100%);--gradient-accent:linear-gradient(135deg,hsl(45 95% 55%) 0,hsl(35 95% 50%) 100%);--shadow-sm:0 1px 2px 0 hsl(220 30% 15% / .05);--shadow-md:0 4px 6px -1px hsl(220 30% 15% / .1),0 2px 4px -2px hsl(220 30% 15% / .1);--shadow-lg:0 10px 15px -3px hsl(220 30% 15% / .1),0 4px 6px -4px hsl(220 30% 15% / .1);--shadow-xl:0 20px 25px -5px hsl(220 30% 15% / .1),0 8px 10px -6px hsl(220 30% 15% / .1);--shadow-glow:0 0 40px hsl(175 60% 40% / .2);--shadow-glow-accent:0 0 30px hsl(45 95% 55% / .4)}html{scroll-behavior:smooth;scroll-padding-top:80px}*{scroll-margin-top:80px;box-sizing:border-box}body{font-family:'DM Sans',system-ui,sans-serif;background-color:hsl(var(--background));color:hsl(var(--foreground));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin:0;padding:0}h1,h2,h3,h4,h5,h6{font-family:'Outfit',system-ui,sans-serif}.glass-card{background-color:hsl(var(--card) / .8);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border:1px solid hsl(var(--border) / .5);box-shadow:var(--shadow-lg)}.gradient-text{background-clip:text;-webkit-background-clip:text;color:transparent;background-image:var(--gradient-hero)}.hero-gradient{background:var(--gradient-hero)}.btn-accent{background:var(--gradient-accent);font-weight:600;color:hsl(var(--foreground))}.section-padding{padding-top:5rem;padding-bottom:5rem;padding-left:1rem;padding-right:1rem}@media(min-width:768px){.section-padding{padding-top:7rem;padding-bottom:7rem;padding-left:2rem;padding-right:2rem}}.container-custom{max-width:80rem;margin-left:auto;margin-right:auto}@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-20px)}}@keyframes accordion-down{from{height:0;overflow:hidden}to{height:var(--accordion-content-height);overflow:hidden}}@keyframes accordion-up{from{height:var(--accordion-content-height);overflow:hidden}to{height:0;overflow:hidden}}@keyframes slide-up{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@keyframes fade-in{from{opacity:0}to{opacity:1}}@keyframes count-up{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.animate-float{animation:float 6s ease-in-out infinite}.animate-pulse-slow{animation:pulse 4s cubic-bezier(0.4,0,0.6,1) infinite}.animate-slide-up{animation:slide-up .6s ease-out forwards}.animate-fade-in{animation:fade-in .4s ease-out forwards}.loan-slider{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:9999px;background:hsl(var(--muted));outline:0;cursor:pointer;transition:background .1s}.loan-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:20px;height:20px;border-radius:50%;background-color:#fff;background-image:none;border:2px solid hsl(var(--secondary));cursor:grab;box-shadow:0 1px 4px rgba(0,0,0,0.1);transition:transform .15s,box-shadow .15s}.loan-slider::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.1)}.loan-slider::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background-color:#fff;background-image:none;border:2px solid hsl(var(--secondary));cursor:grab;box-shadow:0 1px 4px rgba(0,0,0,0.1)}.view-animate{opacity:0;transform:translateY(20px);transition:opacity var(--anim-duration,0.6s) ease-out var(--anim-delay,0s),transform var(--anim-duration,0.6s) ease-out var(--anim-delay,0s)}.view-animate.in-view{opacity:1;transform:translateY(0)}.faq-item .faq-content{max-height:0;overflow:hidden;transition:max-height .3s ease-out,padding .3s ease}.faq-item.open .faq-content{max-height:500px}.faq-item .faq-chevron{transition:transform .3s ease}.faq-item.open .faq-chevron{transform:rotate(180deg)}.bsmart-navbar.scrolled{box-shadow:var(--shadow-md);background-color:hsl(var(--background) / .95)}.resources-dropdown{display:none;position:absolute;top:100%;left:0;min-width:180px;z-index:60}.resources-dropdown-trigger:focus-within .resources-dropdown,.resources-dropdown-trigger:hover .resources-dropdown{display:block}#bsmart-mobile-menu{display:none;overflow:hidden;transition:max-height .3s ease}#bsmart-mobile-menu.open{display:block}.bsmart-toast{position:fixed;bottom:1.5rem;left:50%;transform:translateX(-50%);z-index:9999;padding:.75rem 1.5rem;border-radius:.5rem;font-weight:500;box-shadow:var(--shadow-lg);transition:opacity .3s ease}.bsmart-toast.success{background-color:hsl(var(--secondary));color:hsl(var(--secondary-foreground))}.bsmart-toast.error{background-color:hsl(var(--destructive));color:hsl(var(--destructive-foreground))}#contact-success-modal{display:none}#contact-success-modal.open{display:flex}