/* Horizon Payday Loans Los Angeles — conversion build v2 */
*{margin:0;padding:0;box-sizing:border-box}
:root{
  --navy:#12263f;--navy-2:#1c3554;--ink:#0f2138;--ink-2:#38506d;
  --orange:#f97316;--orange-d:#e2600a;--orange-l:#fff2e6;
  --white:#fff;--bg:#f2f6fb;--bg-2:#e5edf7;--line:#dbe5f0;--line-2:#c4d3e5;
  --muted:#5a6f88;--muted-2:#8399b2;--ok:#12a06f;
  --head:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  --body:Inter,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  --r:16px;--r-lg:24px;--r-sm:12px;
  --ease:cubic-bezier(.4,0,.2,1);
  --sh:0 22px 60px rgba(15,33,56,.13);
  --sh-sm:0 6px 18px rgba(15,33,56,.07);
}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--ink-2);background:var(--white);line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--head);font-weight:800;line-height:1.15;letter-spacing:-.025em;color:var(--ink)}
h1{font-size:clamp(2.15rem, 1.2rem + 3.3vw, 3.55rem)}
h2{font-size:clamp(1.6rem, 1.05rem + 1.95vw, 2.5rem)}
h3{font-size:1.05rem;letter-spacing:-.015em}
p{margin:0 0 14px}p:last-child{margin-bottom:0}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.wrap-sm{max-width:880px;margin:0 auto;padding:0 22px}
.sec{padding:84px 0}
.sec-soft{background:var(--bg)}
section[id],div[id]{scroll-margin-top:118px}
.center{text-align:center}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

.eye{font-family:var(--head);font-size:.74rem;font-weight:800;letter-spacing:.19em;text-transform:uppercase;color:var(--orange);display:block;margin-bottom:14px}
.sec-head{max-width:720px;margin:0 auto 46px}
.sec-head p{color:var(--muted);font-size:1.05rem;margin:14px 0 0}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--head);font-weight:700;font-size:.98rem;padding:16px 30px;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:.18s var(--ease);white-space:nowrap}
.btn svg{width:17px;height:17px;fill:currentColor;flex:none}
.btn-go{background:var(--orange);color:#fff;box-shadow:0 10px 24px rgba(249,115,22,.3)}
.btn-go:hover{background:var(--orange-d);transform:translateY(-2px);box-shadow:0 14px 30px rgba(249,115,22,.36)}
.btn-white{background:#fff;color:var(--ink);box-shadow:0 10px 24px rgba(0,0,0,.16)}
.btn-white:hover{transform:translateY(-2px)}
.btn-line{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn-line:hover{border-color:var(--ink)}
.btn-sm{padding:11px 22px;font-size:.9rem}
.btn-big{padding:19px 38px;font-size:1.06rem}

/* topbar */
.topbar{background:var(--ink);color:#a9c0da;font-size:.79rem}
.topbar .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;padding-top:11px;padding-bottom:11px}
.topbar span{display:inline-flex;align-items:center;gap:8px}
.topbar i{width:6px;height:6px;border-radius:50%;background:var(--orange);flex:none}

/* header */
.hdr{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.95);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:22px;height:78px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;flex:none}
.brand img{width:56px;height:56px;object-fit:contain}
.brand b{font-family:var(--head);font-weight:800;font-size:.9rem;line-height:1.2;letter-spacing:-.022em;color:var(--ink);max-width:190px}
.nav{display:flex;gap:28px;margin-left:auto}
.nav a{font-family:var(--head);font-size:.92rem;font-weight:600;color:var(--muted);text-decoration:none;transition:.15s}
.nav a:hover{color:var(--orange)}
.hdr-cta{flex:none}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line-2);border-radius:var(--r-sm);background:#fff;cursor:pointer;place-items:center}
.burger span{display:block;width:18px;height:2px;background:var(--ink);box-shadow:0 -6px 0 var(--ink),0 6px 0 var(--ink)}
.mnav{display:none;border-top:1px solid var(--line);background:#fff}
.mnav.open{display:block}
.mnav .wrap{display:grid;gap:0;padding-top:10px;padding-bottom:18px}
.mnav a{padding:12px 2px;font-family:var(--head);font-weight:600;text-decoration:none;border-bottom:1px solid var(--line);color:var(--ink)}
.mnav .btn{margin-top:14px}

/* hero */
.hero{background:linear-gradient(170deg,#fff 0%,#eef3f9 58%,#e2ecf7 100%);padding:54px 0 76px;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;top:-140px;right:-160px;width:620px;height:620px;background:radial-gradient(circle,rgba(249,115,22,.13) 0%,transparent 62%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;max-width:900px;text-align:center}
.pill{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 18px;font-family:var(--head);font-size:.74rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:var(--ink);box-shadow:var(--sh-sm);margin-bottom:22px}
.pill i{color:var(--orange);font-style:normal}
.hero h1{margin-bottom:14px}
.hero-tag{font-family:var(--head);font-weight:800;color:#b8500c;letter-spacing:-.02em;line-height:1.22;font-size:clamp(1.2rem,.98rem+.9vw,1.72rem);margin:0 auto 14px}
.hl{position:relative;white-space:nowrap}
.hl::after{content:'';position:absolute;left:0;right:0;bottom:.06em;height:.28em;background:rgba(249,115,22,.28);border-radius:3px;z-index:-1}
.hero-sub{font-size:1.1rem;color:var(--muted);max-width:60ch;margin:0 auto 26px}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 26px;margin-bottom:40px}
.ticks b{display:inline-flex;align-items:center;gap:9px;font-family:var(--head);font-size:.92rem;font-weight:700;color:var(--ink)}
.ticks i{width:22px;height:22px;border-radius:50%;background:var(--ink);display:grid;place-items:center;flex:none}
.ticks svg{width:12px;height:12px;fill:#fff}

/* form card */
.fcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh);max-width:620px;margin:0 auto;text-align:left;overflow:hidden}
.fcard-head{padding:26px 28px 20px}
.fcard-head .tag{display:inline-flex;align-items:center;gap:7px;background:var(--orange-l);color:var(--orange-d);font-family:var(--head);font-size:.7rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;padding:6px 13px;border-radius:999px;margin-bottom:13px}
.fcard-head h2{font-size:1.5rem;margin-bottom:6px}
.fcard-head p{color:var(--muted);font-size:.94rem;margin:0}
.fcard-body{padding:0 10px;min-height:240px}
#rsForm{width:100%;min-width:0}
#rsForm iframe{width:100%;border:0;display:block}
.fskel{padding:14px 14px 10px}
.fskel div{height:15px;border-radius:7px;background:linear-gradient(90deg,#eef2f8 25%,#e1e8f3 37%,#eef2f8 63%);background-size:400% 100%;animation:shim 1.4s ease infinite;margin-bottom:14px}
.fskel div:nth-child(1){width:50%}
.fskel div:nth-child(n+2){height:42px}
.fskel div:nth-child(5){height:15px;width:60%}
@keyframes shim{0%{background-position:100% 50%}100%{background-position:0 50%}}
.fcard-foot{display:flex;flex-wrap:wrap;gap:7px 18px;justify-content:center;padding:14px 20px;border-top:1px solid var(--line);background:var(--bg)}
.fcard-foot b{display:inline-flex;align-items:center;gap:6px;font-family:var(--head);font-size:.76rem;font-weight:700;color:var(--muted)}
.fcard-foot svg{width:12px;height:12px;fill:var(--ok)}
.fcard-note{margin:0;padding:0 22px 16px;background:var(--bg);font-size:.75rem;line-height:1.55;color:var(--muted-2);text-align:center}

/* stats band with wave edges */
.stats{background:linear-gradient(110deg,var(--ink) 0%,var(--navy) 55%,#1d3c63 100%);color:#fff;position:relative;padding:82px 0 78px;overflow:hidden}
.wave{position:absolute;left:0;width:100%;height:48px;display:block;pointer-events:none}
.wave-top{top:-1px;fill:#e2ecf7}
.wave-bot{bottom:-1px;fill:var(--white)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px;text-align:center}
.stat u{display:block;font-family:var(--head);font-size:clamp(1.5rem, 1rem + 1.4vw, 2.05rem);font-weight:800;color:var(--orange);text-decoration:none;letter-spacing:-.03em;margin-bottom:5px}
.stat p{font-size:.85rem;color:#b7cae0;margin:0;line-height:1.5}

/* how it works: numbered circles on a dashed rail */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:34px;position:relative;max-width:960px;margin:0 auto}
.steps::before{content:'';position:absolute;top:29px;left:16%;right:16%;border-top:2px dashed var(--line-2)}
.step{text-align:center;position:relative}
.step u{width:58px;height:58px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:var(--head);font-size:1.2rem;font-weight:800;text-decoration:none;margin:0 auto 20px;box-shadow:0 0 0 8px var(--white);position:relative;z-index:1}
.step:nth-child(2) u{background:var(--orange)}
.step h3{margin-bottom:9px}
.step p{color:var(--muted);font-size:.94rem;margin:0}
.sec-soft .step u{box-shadow:0 0 0 8px var(--bg)}
.mid-cta{text-align:center;margin-top:48px}

/* why: 6 cards, 2 col */
.cards2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 26px 24px;display:flex;gap:17px;transition:.2s var(--ease)}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh-sm);border-color:var(--line-2)}
.card i{flex:none;width:44px;height:44px;border-radius:13px;background:var(--orange-l);display:grid;place-items:center}
.card svg{width:21px;height:21px;fill:var(--orange)}
.card h3{margin-bottom:7px}
.card p{color:var(--muted);font-size:.93rem;margin:0}

/* use cases: 3 col */
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.ucard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px 26px;transition:.2s var(--ease);border-bottom:3px solid transparent}
.ucard:hover{transform:translateY(-4px);box-shadow:var(--sh-sm);border-bottom-color:var(--orange)}
.ucard i{width:42px;height:42px;border-radius:12px;background:var(--bg-2);display:grid;place-items:center;margin-bottom:16px}
.ucard svg{width:20px;height:20px;fill:var(--ink)}
.ucard h3{margin-bottom:8px}
.ucard p{color:var(--muted);font-size:.93rem;margin:0}

/* eligibility split */
.elig{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh);max-width:1000px;margin:0 auto}
.elig-l{background:linear-gradient(150deg,var(--ink),var(--navy) 70%);color:#fff;padding:44px 40px}
.elig-l h2{color:#fff;font-size:1.75rem;margin-bottom:14px}
.elig-l p{color:#b7cae0;font-size:.96rem;margin-bottom:26px}
.elig-r{background:#fff;padding:40px 40px 34px}
.elig-r h3{margin-bottom:18px}
.elig-r ul{list-style:none;display:grid;gap:0}
.elig-r li{display:flex;gap:13px;align-items:flex-start;padding:13px 0;border-bottom:1px solid var(--line);font-family:var(--head);font-weight:600;font-size:.95rem;color:var(--ink)}
.elig-r li:last-of-type{border-bottom:0}
.elig-r li i{flex:none;width:22px;height:22px;border-radius:7px;background:var(--orange);display:grid;place-items:center;margin-top:2px}
.elig-r li svg{width:12px;height:12px;fill:#fff}
.elig-note{margin-top:16px;font-size:.82rem;color:var(--muted-2);line-height:1.6}

/* about */
.about{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:52px;align-items:start}
.about p{color:var(--muted);font-size:1rem}
.about .btn{margin-top:22px}
.expect{background:linear-gradient(150deg,var(--ink),var(--navy) 70%);color:#fff;border-radius:var(--r-lg);padding:34px 32px;position:relative;overflow:hidden}
.expect::after{content:'';position:absolute;right:-70px;top:-70px;width:240px;height:240px;background:radial-gradient(circle,rgba(249,115,22,.24),transparent 65%)}
.expect h3{color:#fff;font-size:1.15rem;margin-bottom:20px;position:relative}
.expect ul{list-style:none;display:grid;gap:14px;position:relative}
.expect li{display:flex;gap:11px;align-items:flex-start;font-size:.93rem;color:#c4d5e8}
.expect li::before{content:'';flex:none;width:7px;height:7px;border-radius:50%;background:var(--orange);margin-top:8px}

/* cta band */
.cta{background:linear-gradient(115deg,var(--orange) 0%,#fb8f45 100%);color:#fff;text-align:center;padding:74px 0}
.cta h2{color:#fff;margin-bottom:14px}
.cta p{color:#fff4ea;font-size:1.08rem;max-width:56ch;margin:0 auto 30px}

/* faq */
.faq{max-width:840px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.faq details[open]{border-color:var(--line-2);box-shadow:var(--sh-sm)}
.faq summary{cursor:pointer;list-style:none;padding:19px 54px 19px 24px;font-family:var(--head);font-weight:700;font-size:1rem;color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'';position:absolute;right:24px;top:26px;width:9px;height:9px;border-right:2px solid var(--orange);border-bottom:2px solid var(--orange);transform:rotate(45deg);transition:.2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:29px}
.faq .ans{padding:0 24px 21px;color:var(--muted);font-size:.95rem}

/* footer */
.ftr{background:var(--ink);color:#9db1c8;padding:60px 0 26px;font-size:.9rem}
.ftr-top{display:grid;grid-template-columns:1.6fr 1fr;gap:40px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.11)}
.ftr-top h4{font-family:var(--head);font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:#fff;margin-bottom:16px}
.ftr-brand b{display:block;font-family:var(--head);font-weight:800;color:#fff;font-size:1.04rem;margin-bottom:10px;letter-spacing:-.02em}
.ftr address{font-style:normal;line-height:1.65}
.ftr-blurb{margin-top:12px;line-height:1.65;max-width:46ch;color:#8296ae;font-size:.83rem}
.ftr-top ul{list-style:none;display:grid;gap:10px}
.ftr-top a{color:#9db1c8;text-decoration:none}
.ftr-top a:hover{color:var(--orange)}
.ftr-map{margin-top:18px;border-radius:var(--r-sm);overflow:hidden;border:1px solid rgba(255,255,255,.14);line-height:0;max-width:360px}
.ftr-map iframe{width:100%;height:170px;border:0;display:block}
.ftr-disc{border-top:1px solid rgba(255,255,255,.09);margin-top:28px;padding:26px 0 4px;font-size:.735rem;line-height:1.62;color:#6b7f97;display:grid;gap:9px}
.ftr-disc strong{color:#8296ae;font-weight:600}
.ftr-bot{border-top:1px solid rgba(255,255,255,.09);margin-top:20px;padding-top:18px;display:flex;flex-wrap:wrap;gap:8px 26px;justify-content:space-between;font-size:.78rem;color:#6b7f97}
.ftr-bot p{margin:0}

/* sticky mobile bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:950;background:rgba(255,255,255,.97);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -8px 26px rgba(15,33,56,.14)}
.mbar .btn{width:100%}

/* modal */
.fmodal{display:none;position:fixed;inset:0;z-index:2000;background:rgba(15,33,56,.82);-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px);padding:20px;overflow-y:auto}
.fmodal.is-open{display:flex;align-items:flex-start;justify-content:center}
.fmodal-box{background:#fff;border-radius:var(--r-lg);box-shadow:0 30px 80px rgba(0,0,0,.45);width:100%;max-width:560px;margin:auto;overflow:hidden;animation:mIn .26s var(--ease)}
@keyframes mIn{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
.fmodal-head{display:flex;align-items:flex-start;justify-content:space-between;gap:15px;padding:23px 24px 20px;background:linear-gradient(140deg,var(--ink),var(--navy));color:#fff;position:relative}
.fmodal-head::after{content:'';position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--orange)}
.fmodal-head h3{color:#fff;font-size:1.22rem;margin-bottom:4px}
.fmodal-head p{color:#b9cbe2;font-size:.87rem;margin:0}
.fmodal-close{background:rgba(255,255,255,.15);border:0;color:#fff;width:33px;height:33px;border-radius:10px;font-size:1.35rem;line-height:1;cursor:pointer;flex:none}
.fmodal-close:hover{background:rgba(255,255,255,.28)}
.fmodal-frame{width:100%;height:540px;border:0;display:block;transition:height .2s ease}
.fmodal-foot{padding:12px 18px 15px;border-top:1px solid var(--line);background:var(--bg);font-size:.75rem;line-height:1.55;color:var(--muted-2);text-align:center}

/* legal pages */
.legal-hero{background:linear-gradient(140deg,var(--ink),var(--navy));color:#c9d9ec;padding:56px 0 48px}
.legal-hero h1{color:#fff;font-size:clamp(1.8rem, 1.2rem + 2vw, 2.6rem)}
.legal-hero p{margin:10px 0 0;color:#a9c0da;font-size:.95rem}
.legal-body{background:var(--bg);padding:54px 0 70px}
.legal-body .paper{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:46px 48px 42px;max-width:880px;margin:0 auto}
.legal-body h2{font-size:1.18rem;margin:30px 0 12px;padding-top:22px;border-top:1px solid var(--line)}
.legal-body h2:first-of-type{margin-top:0;padding-top:0;border-top:0}
.legal-body p{color:var(--muted);font-size:.96rem}

/* responsive */
@media (max-width:1000px){
  .about{grid-template-columns:1fr;gap:34px}
  .cards3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .elig{grid-template-columns:1fr}
}
@media (max-width:900px){
  .nav,.hdr-cta{display:none}
  .burger{display:grid}
  .sec{padding:60px 0}
  .hero{padding:34px 0 56px}
  .steps{grid-template-columns:1fr;gap:34px}
  .steps::before{display:none}
  .cards2{grid-template-columns:1fr}
  .stats .wrap{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px 20px}
  .elig-l,.elig-r{padding:34px 26px}
  .ftr-top{grid-template-columns:1fr 1fr}
  .ftr-brand{grid-column:1/-1}
  .mbar{display:block}
  body.has-bar{padding-bottom:84px}
}
@media (max-width:900px){
  .hero-tag{font-size:1.22rem;max-width:26ch;margin-bottom:12px}
  .ticks{gap:9px 16px;margin-bottom:30px}
  .ticks b{font-size:.85rem}
  .hero-sub{font-size:1.02rem;margin-bottom:22px}
}
@media (max-width:640px){
  /* get the form card above the fold on a phone: the topbar and tick row
     both repeat what the form card foot already says */
  .topbar{display:none}
  .ticks{display:none}
  .hero{padding:26px 0 48px}
  .pill{margin-bottom:16px;padding:7px 15px;font-size:.68rem}
  .hero-tag{font-size:1.12rem;max-width:none;margin-bottom:10px}
  .hero-sub{font-size:1rem;margin-bottom:24px}
  .topbar .wrap{gap:6px 18px;font-size:.73rem}
  .cards3{grid-template-columns:1fr}
  .ticks{gap:10px 18px}
  .ticks b{font-size:.86rem}
  .fcard-head{padding:22px 20px 16px}
  .legal-body .paper{padding:28px 22px 26px}
  .fmodal{padding:10px}
  .cta{padding:56px 0}
  .ftr-top{grid-template-columns:1fr}
  .ftr-brand{grid-column:auto}
}
@media (max-width:420px){
  .btn-big,.hero .btn{width:100%}
  .stats .wrap{grid-template-columns:1fr;gap:24px}
}