:root {
    --primary: #0056b3;
    --secondary: #00a0e9;
    --accent: #ffc107;
    --dark: #333;
    --light: #f8f9fa;
    --light-blue: #e6f7ff;
    --light-yellow: #fff8e6;
    --gray: #6c757d;
    --light-gray: #e9ecef;
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: 'Roboto', sans-serif;
    color: var(--dark);
    background: var(--light);
    line-height: 1.6;
}

.container {
    width: 100%;
    max-width: 1120px;
    margin: 0 auto;
    padding: 0 15px;
}

.breadcrumbs {
    background: var(--light-gray);
    padding: 12px 0;
    font-size: 0.9rem;
}

.breadcrumbs a {
    color: var(--primary);
    text-decoration: none;
}

.breadcrumbs span {
    color: var(--gray);
}

.loan-hub-hero {
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    padding: 64px 0;
}

.loan-hub-kicker {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--accent);
    font-weight: 800;
    text-transform: uppercase;
}

.loan-hub-hero h1 {
    max-width: 900px;
    margin: 0 0 18px;
    font-size: 2.4rem;
    line-height: 1.2;
}

.loan-hub-hero p,
.loan-hub-intro {
    max-width: 820px;
    margin: 0 auto 24px;
    font-size: 1.12rem;
}

.loan-hub-hero p {
    margin-left: 0;
}

.loan-hub-section {
    padding: 56px 0;
}

.loan-hub-alt {
    background: var(--light-blue);
}

.loan-hub-section h2 {
    margin: 0 0 24px;
    color: var(--primary);
    font-size: 2rem;
    text-align: center;
}

.loan-type-grid,
.loan-check-grid,
.loan-tool-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.loan-group-list {
    display: grid;
    gap: 34px;
}

.loan-group {
    padding: 0;
}

.loan-group-header {
    max-width: 820px;
    margin: 0 auto 18px;
    text-align: center;
}

.loan-group-header h3 {
    margin: 0 0 8px;
    color: var(--primary);
    font-size: 1.35rem;
}

.loan-group-header p {
    margin: 0;
    color: var(--gray);
}

.loan-type-card,
.loan-check-grid article,
.loan-tool-grid a,
.loan-hub-note {
    border: 1px solid var(--light-gray);
    border-radius: 8px;
    background: white;
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.06);
}

.loan-type-card,
.loan-check-grid article,
.loan-tool-grid a {
    padding: 22px;
}

.loan-type-card,
.loan-tool-grid a {
    color: var(--dark);
    text-decoration: none;
}

.loan-type-card:hover,
.loan-tool-grid a:hover {
    transform: translateY(-2px);
}

.loan-type-card strong,
.loan-check-grid h3,
.loan-tool-grid strong {
    display: block;
    margin: 0 0 10px;
    color: var(--primary);
    font-size: 1.15rem;
}

.loan-type-card span,
.loan-check-grid p,
.loan-tool-grid span {
    color: var(--gray);
}

.loan-hub-note {
    max-width: 860px;
    margin: 0 auto;
    padding: 24px;
    text-align: center;
}

.loan-hub-note p {
    margin: 0 0 18px;
}

.btn {
    display: inline-block;
    margin: 6px;
    padding: 12px 20px;
    border-radius: 6px;
    background: var(--accent);
    color: var(--dark);
    text-decoration: none;
    font-weight: 700;
}

.btn-secondary {
    background: var(--primary);
    color: white;
}

@media (max-width: 900px) {
    .loan-type-grid,
    .loan-check-grid,
    .loan-tool-grid {
        grid-template-columns: 1fr;
    }

    .loan-hub-hero {
        padding: 46px 0;
    }

    .loan-hub-hero h1 {
        font-size: 2rem;
    }

    .loan-hub-section {
        padding: 42px 0;
    }
}