/* Vayda Capital — 2026 bright editorial redesign. Loaded last on every public page. */
:root {
  --rd-navy: #071d35;
  --rd-navy-2: #0d2948;
  --rd-ink: #12253b;
  --rd-muted: #617083;
  --rd-blue: #1d5f91;
  --rd-gold: #d7ad57;
  --rd-gold-soft: #f6edda;
  --rd-sky: #eef5fa;
  --rd-paper: #f8fafc;
  --rd-line: #dce4eb;
  --rd-white: #ffffff;
  --rd-shadow: 0 24px 70px rgba(7, 29, 53, .12);
  --rd-shell: 1240px;
}

html { scroll-behavior: smooth; }
body:not(.admin-page) {
  margin: 0 !important;
  color: var(--rd-ink) !important;
  background: var(--rd-white) !important;
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif !important;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
body:not(.admin-page) *, body:not(.admin-page) *::before, body:not(.admin-page) *::after { box-sizing: border-box; }
body:not(.admin-page) h1,
body:not(.admin-page) h2,
body:not(.admin-page) h3,
body:not(.admin-page) h4 { color: var(--rd-navy) !important; font-family: inherit !important; letter-spacing: -.035em; }
body:not(.admin-page) p { color: var(--rd-muted); }
body:not(.admin-page) a { text-decoration: none; }
body:not(.admin-page).nav-open { overflow: hidden; }
.legacy-home[hidden] { display: none !important; }

/* Trust line and shared header */
body:not(.admin-page) .v101-trustbar {
  min-height: 34px !important;
  padding: 6px max(20px, calc((100vw - var(--rd-shell)) / 2)) !important;
  display: flex !important;
  justify-content: center !important;
  align-items: center !important;
  gap: 34px !important;
  border: 0 !important;
  color: rgba(255,255,255,.82) !important;
  background: var(--rd-navy) !important;
  font-size: 10px !important;
  font-weight: 750 !important;
  letter-spacing: .085em !important;
  line-height: 1.2 !important;
  text-transform: uppercase;
}
body:not(.admin-page) .v101-trustbar > span { display: inline-flex; align-items: center; gap: 8px; color: inherit !important; }
body:not(.admin-page) .v101-trustbar > span + span::before { content: ""; width: 3px; height: 3px; border-radius: 50%; background: var(--rd-gold); margin-right: 26px; }
body:not(.admin-page) .v101-trustbar .bbb-seal-inline img { width: 43px !important; height: 17px !important; object-fit: contain; }
body:not(.admin-page) .v101-trustbar .bbb-seal-inline strong { color: #fff !important; font-size: inherit !important; }

body:not(.admin-page) .topbar,
body:not(.admin-page) .v91-header.topbar {
  position: sticky !important;
  top: 0 !important;
  z-index: 1000 !important;
  min-height: 76px !important;
  border: 0 !important;
  border-bottom: 1px solid rgba(7,29,53,.09) !important;
  background: rgba(255,255,255,.97) !important;
  box-shadow: 0 8px 30px rgba(7,29,53,.045) !important;
  backdrop-filter: blur(18px);
}
body:not(.admin-page) .topbar .container.nav,
body:not(.admin-page) .topbar .v91-nav,
body:not(.admin-page) .v91-header .v91-nav {
  width: min(var(--rd-shell), calc(100% - 48px)) !important;
  height: 76px !important;
  min-height: 76px !important;
  margin: 0 auto !important;
  padding: 0 !important;
  display: grid !important;
  grid-template-columns: minmax(175px, 1fr) auto auto auto !important;
  align-items: center !important;
  gap: 16px !important;
}
body:not(.admin-page) .topbar .brand,
body:not(.admin-page) .topbar .v91-wordmark {
  width: 196px !important;
  min-width: 0 !important;
  height: 54px !important;
  padding: 0 !important;
  display: inline-flex !important;
  align-items: center !important;
  overflow: visible !important;
  border: 0 !important;
  background: transparent !important;
  box-shadow: none !important;
  font-size: 0 !important;
}
body:not(.admin-page) .topbar .brand::before,
body:not(.admin-page) .topbar .brand::after,
body:not(.admin-page) .topbar .v91-wordmark::before,
body:not(.admin-page) .topbar .v91-wordmark::after { content: none !important; display: none !important; }
body:not(.admin-page) .topbar .brand img,
body:not(.admin-page) .topbar .v91-wordmark img,
body:not(.admin-page) .topbar .vayda-full-logo {
  display: block !important;
  width: 190px !important;
  max-width: 190px !important;
  height: 52px !important;
  object-fit: contain !important;
  object-position: left center !important;
  filter: none !important;
}
body:not(.admin-page) .topbar .links {
  position: static !important;
  min-width: 0 !important;
  padding: 0 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: flex-end !important;
  gap: 0 !important;
  border: 0 !important;
  background: transparent !important;
  box-shadow: none !important;
}
body:not(.admin-page) .topbar .links a {
  position: relative;
  width: auto !important;
  padding: 28px 9px 26px !important;
  color: #506174 !important;
  background: transparent !important;
  font-size: 10px !important;
  font-weight: 800 !important;
  letter-spacing: .055em !important;
  line-height: 1 !important;
  text-transform: uppercase !important;
  white-space: nowrap;
}
body:not(.admin-page) .topbar .links a::after {
  content: "" !important;
  position: absolute;
  right: 10px;
  bottom: 19px;
  left: 10px;
  display: block !important;
  height: 2px;
  background: transparent;
}
body:not(.admin-page) .topbar .links a:hover,
body:not(.admin-page) .topbar .links a.active { color: var(--rd-navy) !important; }
body:not(.admin-page) .topbar .links a:hover::after,
body:not(.admin-page) .topbar .links a.active::after { background: var(--rd-gold); }
body:not(.admin-page) .topbar .btn.gold,
body:not(.admin-page) .topbar .v91-nav-cta {
  min-width: 132px !important;
  min-height: 42px !important;
  padding: 0 16px !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 9px !important;
  border: 1px solid var(--rd-navy) !important;
  border-radius: 4px !important;
  color: #fff !important;
  background: var(--rd-navy) !important;
  box-shadow: none !important;
  font-size: 10px !important;
  font-weight: 850 !important;
  letter-spacing: .06em !important;
  text-transform: uppercase;
  white-space: nowrap;
}
body:not(.admin-page) .topbar .btn.gold:hover,
body:not(.admin-page) .topbar .v91-nav-cta:hover { background: var(--rd-blue) !important; border-color: var(--rd-blue) !important; transform: translateY(-1px); }
body:not(.admin-page) .language-switcher {
  height: 30px;
  padding: 3px;
  display: inline-flex;
  align-items: center;
  gap: 1px;
  border: 1px solid var(--rd-line);
  border-radius: 4px;
  background: var(--rd-paper);
}
body:not(.admin-page) .language-switcher button {
  min-width: 27px;
  height: 22px;
  padding: 0;
  border: 0;
  border-radius: 2px;
  color: var(--rd-muted);
  background: transparent;
  font-size: 9px;
  font-weight: 850;
  cursor: pointer;
}
body:not(.admin-page) .language-switcher button.active { color: #fff; background: var(--rd-navy); }
body:not(.admin-page) .topbar .mobile { display: none !important; }

/* New concise home */
.redesign-home { overflow: hidden; background: #fff; }
.rd-shell { width: min(var(--rd-shell), calc(100% - 48px)); margin: 0 auto; }
.rd-eyebrow {
  margin: 0 0 20px !important;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--rd-blue) !important;
  font-size: 11px !important;
  font-weight: 850 !important;
  letter-spacing: .13em !important;
  text-transform: uppercase;
}
.rd-eyebrow > span { width: 23px; height: 2px; background: var(--rd-gold); }
.rd-eyebrow-light { color: rgba(255,255,255,.72) !important; }
.rd-hero { position: relative; padding: clamp(70px, 8vw, 116px) 0 82px; background: var(--rd-white); }
.rd-hero::before { content: ""; position: absolute; top: 0; right: 0; width: 32vw; height: 100%; background: var(--rd-sky); border-left: 1px solid var(--rd-line); }
.rd-hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(420px, .75fr); align-items: center; gap: clamp(64px, 8vw, 120px); }
.rd-hero-copy { max-width: 700px; }
.rd-hero h1 { max-width: 740px; margin: 0 !important; color: var(--rd-navy) !important; font-size: clamp(50px, 5.2vw, 78px) !important; font-weight: 720 !important; line-height: .99 !important; letter-spacing: -.06em !important; }
.rd-lede { max-width: 650px; margin: 27px 0 0 !important; color: #536579 !important; font-size: clamp(17px, 1.45vw, 20px) !important; line-height: 1.62 !important; }
.rd-actions { margin-top: 34px; display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }
.rd-button {
  min-height: 54px;
  padding: 0 23px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 26px;
  border: 1px solid var(--rd-navy);
  border-radius: 4px;
  font-size: 12px;
  font-weight: 820;
  letter-spacing: .025em;
  transition: transform .2s ease, background .2s ease, color .2s ease;
}
.rd-button:hover { transform: translateY(-2px); }
.rd-button-primary { color: #fff !important; background: var(--rd-navy); }
.rd-button-primary:hover { border-color: var(--rd-blue); background: var(--rd-blue); }
.rd-button-secondary { color: var(--rd-navy) !important; background: #fff; }
.rd-button-secondary:hover { background: var(--rd-sky); }
.rd-button-light { border-color: rgba(255,255,255,.34); color: #fff !important; background: transparent; }
.rd-button-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.rd-button-gold { border-color: var(--rd-gold); color: var(--rd-navy) !important; background: var(--rd-gold); }
.rd-confidence { margin: 30px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; list-style: none; }
.rd-confidence li { position: relative; padding-left: 17px; color: var(--rd-muted); font-size: 11px; font-weight: 720; }
.rd-confidence li::before { content: "✓"; position: absolute; left: 0; color: var(--rd-blue); font-weight: 900; }

.rd-snapshot { position: relative; z-index: 2; padding: 29px; border: 1px solid #cad7e1; border-radius: 7px; background: #fff; box-shadow: var(--rd-shadow); }
.rd-snapshot-top { padding-bottom: 21px; display: flex; align-items: center; justify-content: space-between; border-bottom: 1px solid var(--rd-line); }
.rd-snapshot-top div { display: grid; gap: 4px; }
.rd-snapshot-top span, .rd-amount > span { color: var(--rd-muted); font-size: 9px; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.rd-snapshot-top strong { color: var(--rd-navy); font-size: 14px; }
.rd-snapshot-top i { width: 11px; height: 11px; border: 3px solid #fff; border-radius: 50%; background: #35a670; box-shadow: 0 0 0 4px #dff3e9; }
.rd-amount { padding: 25px 0 20px; }
.rd-amount strong { margin-top: 5px; display: block; color: var(--rd-navy); font-size: clamp(28px, 3vw, 40px); line-height: 1.1; letter-spacing: -.045em; }
.rd-amount p { margin: 10px 0 0; font-size: 12px; }
.rd-route-list { border-top: 1px solid var(--rd-line); }
.rd-route-list a { min-height: 55px; display: grid; grid-template-columns: 26px 1fr auto 16px; align-items: center; gap: 10px; border-bottom: 1px solid var(--rd-line); color: var(--rd-ink); }
.rd-route-list a > span { color: var(--rd-blue); font-size: 9px; font-weight: 850; }
.rd-route-list a b { color: var(--rd-navy); font-size: 12px; }
.rd-route-list a em { color: var(--rd-muted); font-size: 10px; font-style: normal; }
.rd-route-list a i { color: var(--rd-blue); font-style: normal; transition: transform .2s ease; }
.rd-route-list a:hover i { transform: translate(2px,-2px); }
.rd-snapshot-cta { margin-top: 20px; min-height: 48px; padding: 0 17px; display: flex; align-items: center; justify-content: space-between; border-radius: 3px; color: #fff !important; background: var(--rd-navy); font-size: 11px; font-weight: 800; }

.rd-proof { border-top: 1px solid var(--rd-line); border-bottom: 1px solid var(--rd-line); background: var(--rd-paper); }
.rd-proof-grid { min-height: 118px; display: grid; grid-template-columns: repeat(4, 1fr); align-items: stretch; }
.rd-proof-grid > div { padding: 25px 30px; display: flex; flex-direction: column; justify-content: center; border-left: 1px solid var(--rd-line); }
.rd-proof-grid > div:last-child { border-right: 1px solid var(--rd-line); }
.rd-proof-grid strong { color: var(--rd-navy); font-size: 28px; line-height: 1; letter-spacing: -.04em; }
.rd-proof-grid span { margin-top: 8px; color: var(--rd-muted); font-size: 10px; font-weight: 750; letter-spacing: .04em; text-transform: uppercase; }
.rd-proof-grid .rd-bbb { flex-direction: row; align-items: center; gap: 13px; }
.rd-proof-grid .rd-bbb img { width: 72px; height: 38px; object-fit: contain; }
.rd-proof-grid .rd-bbb span { margin: 0; max-width: 90px; color: var(--rd-navy); }
.rd-proof > p { margin: -1px auto 0; padding: 10px 24px; border-top: 1px solid var(--rd-line); color: #7c8998; font-size: 9px; text-align: center; }

.rd-programs, .rd-standard { padding: clamp(80px, 9vw, 125px) 0; }
.rd-section-head { margin-bottom: 46px; display: grid; grid-template-columns: 1.1fr .72fr; align-items: end; gap: 70px; }
.rd-section-head h2, .rd-standard h2, .rd-process h2, .rd-final h2 { margin: 0 !important; font-size: clamp(38px, 4.2vw, 58px) !important; font-weight: 720 !important; line-height: 1.03 !important; letter-spacing: -.055em !important; }
.rd-section-head > p { margin: 0 0 4px !important; font-size: 15px !important; line-height: 1.7 !important; }
.rd-program-grid { display: grid; grid-template-columns: repeat(2, 1fr); border-top: 1px solid var(--rd-line); border-left: 1px solid var(--rd-line); }
.rd-program-grid > a { min-height: 210px; padding: 31px; display: grid; grid-template-columns: 28px 1fr 20px; gap: 18px; border-right: 1px solid var(--rd-line); border-bottom: 1px solid var(--rd-line); color: var(--rd-ink); background: #fff; transition: background .2s ease, transform .2s ease; }
.rd-program-grid > a:hover { position: relative; z-index: 1; background: var(--rd-sky); transform: translateY(-3px); }
.rd-program-grid > a > span { color: var(--rd-blue); font-size: 10px; font-weight: 850; }
.rd-program-grid small { color: var(--rd-blue); font-size: 9px; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.rd-program-grid h3 { margin: 9px 0 10px !important; font-size: 24px !important; }
.rd-program-grid p { max-width: 440px; margin: 0 !important; font-size: 13px !important; }
.rd-program-grid > a > b { color: var(--rd-blue); font-size: 20px; font-weight: 500; }
.rd-text-link { margin-top: 28px; display: inline-flex; align-items: center; gap: 18px; border-bottom: 1px solid var(--rd-navy); color: var(--rd-navy) !important; font-size: 12px; font-weight: 800; }

.rd-process { padding: clamp(75px, 8vw, 110px) 0; background: var(--rd-navy); }
.rd-process-grid { display: grid; grid-template-columns: .78fr 1.15fr; align-items: start; gap: clamp(70px, 10vw, 140px); }
.rd-process h2 { color: #fff !important; }
.rd-process-intro > p:not(.rd-eyebrow) { max-width: 520px; margin: 23px 0 0; color: rgba(255,255,255,.64); }
.rd-steps { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.16); }
.rd-steps li { min-height: 130px; padding: 25px 0; display: grid; grid-template-columns: 52px 1fr; gap: 20px; border-bottom: 1px solid rgba(255,255,255,.16); }
.rd-steps li > span { color: var(--rd-gold); font-size: 11px; font-weight: 850; }
.rd-steps h3 { margin: 0 0 8px !important; color: #fff !important; font-size: 21px !important; }
.rd-steps p { max-width: 560px; margin: 0 !important; color: rgba(255,255,255,.58) !important; font-size: 13px; }

.rd-standard { background: var(--rd-paper); }
.rd-standard-grid { display: grid; grid-template-columns: 1fr .9fr; align-items: center; gap: clamp(70px, 10vw, 145px); }
.rd-standard-copy > p:not(.rd-eyebrow) { max-width: 650px; margin: 24px 0 0; font-size: 16px; line-height: 1.75; }
.rd-principles { border-top: 1px solid var(--rd-line); }
.rd-principles article { padding: 24px 0; display: grid; grid-template-columns: 42px 1fr; gap: 15px; border-bottom: 1px solid var(--rd-line); }
.rd-principles article > span { color: var(--rd-blue); font-size: 10px; font-weight: 850; }
.rd-principles h3 { margin: 0 0 6px !important; font-size: 19px !important; }
.rd-principles p { margin: 0 !important; font-size: 12px; }

.rd-final { padding: 78px 0 24px; color: #fff; background: var(--rd-navy-2); }
.rd-final-inner { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 80px; }
.rd-final h2 { max-width: 760px; color: #fff !important; }
.rd-final-inner > div:last-child { display: grid; justify-items: start; gap: 14px; }
.rd-final-inner > div:last-child > a:last-child { color: rgba(255,255,255,.72); font-size: 12px; font-weight: 700; border-bottom: 1px solid rgba(255,255,255,.35); }
.rd-disclosure { width: min(var(--rd-shell), calc(100% - 48px)); margin: 65px auto 0 !important; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.15); color: rgba(255,255,255,.45) !important; font-size: 9px; text-align: center; }

/* Public inner pages: one matching bright system */
body:not(.admin-page) .home-shell,
body:not(.admin-page) .vc-shell,
body:not(.admin-page) .application-shell,
body:not(.admin-page) .prequal-shell,
body:not(.admin-page) .seo-container,
body:not(.admin-page) .vcredit-shell,
body:not(.admin-page) .reviews-wrap {
  width: min(var(--rd-shell), calc(100% - 48px)) !important;
  margin-inline: auto !important;
}
body:not(.admin-page) .home-shell,
body:not(.admin-page) .vc-shell,
body:not(.admin-page) .prequal-shell,
body:not(.admin-page) .application-shell { padding: 54px 0 88px !important; }
body:not(.admin-page) .seo-main,
body:not(.admin-page) .vcredit-main { background: #fff !important; }
body:not(.admin-page) .seo-hero,
body:not(.admin-page) .vcredit-hero,
body:not(.admin-page) .reviews-hero {
  margin: 0 !important;
  padding: clamp(56px, 7vw, 92px) 0 !important;
  border: 0 !important;
  border-bottom: 1px solid var(--rd-line) !important;
  color: var(--rd-ink) !important;
  background: var(--rd-sky) !important;
  box-shadow: none !important;
}
body:not(.admin-page) .seo-hero h1,
body:not(.admin-page) .vcredit-hero h1,
body:not(.admin-page) .reviews-hero h1,
body:not(.admin-page) .home-hero-copy h1,
body:not(.admin-page) .vc-hero-copy h1,
body:not(.admin-page) .prequal-hero h1,
body:not(.admin-page) .application-hero h1 {
  max-width: 900px;
  margin: 0 !important;
  color: var(--rd-navy) !important;
  font-size: clamp(42px, 5vw, 66px) !important;
  font-weight: 720 !important;
  line-height: 1.02 !important;
  letter-spacing: -.055em !important;
}
body:not(.admin-page) .seo-hero p,
body:not(.admin-page) .vcredit-hero p,
body:not(.admin-page) .reviews-hero p { color: var(--rd-muted) !important; }
body:not(.admin-page) .breadcrumbs { padding: 20px 0 0 !important; }
body:not(.admin-page) .breadcrumbs a,
body:not(.admin-page) .breadcrumbs span { color: var(--rd-muted) !important; font-size: 10px !important; }
body:not(.admin-page) .home-hero-copy,
body:not(.admin-page) .vc-hero-copy,
body:not(.admin-page) .prequal-hero > div:first-child,
body:not(.admin-page) .application-card,
body:not(.admin-page) .home-status-card,
body:not(.admin-page) .vc-hero-panel,
body:not(.admin-page) .prequal-card,
body:not(.admin-page) .application-aside {
  border: 1px solid var(--rd-line) !important;
  border-radius: 6px !important;
  color: var(--rd-ink) !important;
  background: #fff !important;
  box-shadow: none !important;
}
body:not(.admin-page) .home-hero-copy,
body:not(.admin-page) .vc-hero-copy,
body:not(.admin-page) .prequal-hero > div:first-child,
body:not(.admin-page) .application-card { padding: clamp(32px, 5vw, 66px) !important; }
body:not(.admin-page) .home-status-card,
body:not(.admin-page) .vc-hero-panel,
body:not(.admin-page) .application-aside { padding: 30px !important; background: var(--rd-navy) !important; color: #fff !important; }
body:not(.admin-page) .home-status-card h2,
body:not(.admin-page) .home-status-card h3,
body:not(.admin-page) .vc-hero-panel h2,
body:not(.admin-page) .vc-hero-panel h3,
body:not(.admin-page) .vc-hero-panel strong,
body:not(.admin-page) .application-aside h2,
body:not(.admin-page) .application-aside h3 { color: #fff !important; }
body:not(.admin-page) .home-status-card p,
body:not(.admin-page) .vc-hero-panel p,
body:not(.admin-page) .application-aside p { color: rgba(255,255,255,.68) !important; }
body:not(.admin-page) .home-box,
body:not(.admin-page) .vc-card-section,
body:not(.admin-page) .seo-section,
body:not(.admin-page) .seo-link-card,
body:not(.admin-page) .vcredit-card,
body:not(.admin-page) .review-card,
body:not(.admin-page) .reviews-panel,
body:not(.admin-page) .formbox,
body:not(.admin-page) .faq-item,
body:not(.admin-page) details {
  border: 1px solid var(--rd-line) !important;
  border-radius: 5px !important;
  color: var(--rd-ink) !important;
  background: #fff !important;
  box-shadow: none !important;
}
body:not(.admin-page) .seo-card-grid,
body:not(.admin-page) .service-directory { gap: 16px !important; padding: 45px 0 80px !important; }
body:not(.admin-page) .seo-link-card { padding: 26px !important; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
body:not(.admin-page) .seo-link-card:hover { transform: translateY(-4px); border-color: #b3c5d4 !important; box-shadow: 0 18px 40px rgba(7,29,53,.08) !important; }
body:not(.admin-page) .seo-link-card span,
body:not(.admin-page) .eyebrow { color: var(--rd-blue) !important; font-size: 10px !important; font-weight: 850 !important; letter-spacing: .12em !important; text-transform: uppercase; }
body:not(.admin-page) .seo-link-card h2 { font-size: 23px !important; }
body:not(.admin-page) .seo-link-card b,
body:not(.admin-page) .learn { color: var(--rd-blue) !important; }
body:not(.admin-page) .btn,
body:not(.admin-page) button.btn {
  min-height: 50px !important;
  padding: 0 21px !important;
  border-radius: 4px !important;
  box-shadow: none !important;
  font-size: 11px !important;
  font-weight: 820 !important;
  letter-spacing: .035em !important;
}
body:not(.admin-page) .btn.gold { border: 1px solid var(--rd-navy) !important; color: #fff !important; background: var(--rd-navy) !important; }
body:not(.admin-page) .btn.gold:hover { border-color: var(--rd-blue) !important; background: var(--rd-blue) !important; }
body:not(.admin-page) .btn.ghost { border: 1px solid var(--rd-navy) !important; color: var(--rd-navy) !important; background: #fff !important; }
body:not(.admin-page) input,
body:not(.admin-page) select,
body:not(.admin-page) textarea {
  border: 1px solid #cbd7e1 !important;
  border-radius: 4px !important;
  color: var(--rd-ink) !important;
  background: #fff !important;
  box-shadow: none !important;
}
body:not(.admin-page) input:focus,
body:not(.admin-page) select:focus,
body:not(.admin-page) textarea:focus { border-color: var(--rd-blue) !important; outline: 3px solid rgba(29,95,145,.12) !important; }

/* Matching footer */
body:not(.admin-page) .footer,
body:not(.admin-page) .v91-footer {
  padding: 64px max(24px, calc((100vw - var(--rd-shell)) / 2)) 28px !important;
  border: 0 !important;
  color: rgba(255,255,255,.64) !important;
  background: #05182c !important;
}
body:not(.admin-page) .footer h3,
body:not(.admin-page) .footer h4,
body:not(.admin-page) .v91-footer h3 { color: #fff !important; font-size: 11px !important; letter-spacing: .09em !important; text-transform: uppercase; }
body:not(.admin-page) .footer p,
body:not(.admin-page) .v91-footer p { color: rgba(255,255,255,.55) !important; }
body:not(.admin-page) .footer a,
body:not(.admin-page) .v91-footer a { color: rgba(255,255,255,.7) !important; }
body:not(.admin-page) .footer a:hover,
body:not(.admin-page) .v91-footer a:hover { color: #fff !important; }
body:not(.admin-page) .footer img,
body:not(.admin-page) .v91-footer .vayda-full-logo { display: block !important; width: 190px !important; height: auto !important; object-fit: contain !important; }
body:not(.admin-page) .foot-grid,
body:not(.admin-page) .v91-footer-grid { width: 100% !important; max-width: var(--rd-shell) !important; margin-inline: auto !important; gap: 48px !important; }
body:not(.admin-page) .v91-footer-top { width: 100% !important; max-width: var(--rd-shell) !important; margin: 0 auto 42px !important; }
body:not(.admin-page) .bbb-footer-seal { width: 100% !important; max-width: var(--rd-shell) !important; margin: 38px auto 0 !important; padding-top: 20px !important; border-top: 1px solid rgba(255,255,255,.12) !important; }
body:not(.admin-page) .bbb-footer-seal img { width: 82px !important; height: 40px !important; }
body:not(.admin-page) .bbb-footer-seal span { color: rgba(255,255,255,.68) !important; }

@media (max-width: 1100px) {
  body:not(.admin-page) .topbar .container.nav,
  body:not(.admin-page) .topbar .v91-nav { grid-template-columns: minmax(150px,1fr) auto auto auto !important; }
  body:not(.admin-page) .topbar .brand,
  body:not(.admin-page) .topbar .v91-wordmark { width: 166px !important; }
  body:not(.admin-page) .topbar .brand img,
  body:not(.admin-page) .topbar .v91-wordmark img,
  body:not(.admin-page) .topbar .vayda-full-logo { width: 164px !important; max-width: 164px !important; }
  body:not(.admin-page) .topbar .links a { padding-inline: 6px !important; font-size: 9px !important; }
  .rd-hero-grid { grid-template-columns: 1fr minmax(360px,.75fr); gap: 50px; }
  .rd-hero::before { width: 35vw; }
}

@media (max-width: 920px) {
  body:not(.admin-page) .v101-trustbar { justify-content: space-between !important; gap: 12px !important; }
  body:not(.admin-page) .v101-trustbar > span + span::before { display: none; }
  body:not(.admin-page) .v101-trustbar > span:first-child { display: none !important; }
  body:not(.admin-page) .topbar,
  body:not(.admin-page) .v91-header.topbar { min-height: 68px !important; }
  body:not(.admin-page) .topbar .container.nav,
  body:not(.admin-page) .topbar .v91-nav,
  body:not(.admin-page) .v91-header .v91-nav {
    position: relative;
    width: min(100% - 32px, var(--rd-shell)) !important;
    height: 68px !important;
    min-height: 68px !important;
    grid-template-columns: 1fr auto auto !important;
    gap: 9px !important;
  }
  body:not(.admin-page) .topbar .brand,
  body:not(.admin-page) .topbar .v91-wordmark { width: 165px !important; height: 48px !important; }
  body:not(.admin-page) .topbar .brand img,
  body:not(.admin-page) .topbar .v91-wordmark img,
  body:not(.admin-page) .topbar .vayda-full-logo { width: 162px !important; max-width: 162px !important; height: 46px !important; }
  body:not(.admin-page) .topbar .btn.gold,
  body:not(.admin-page) .topbar .v91-nav-cta { display: none !important; }
  body:not(.admin-page) .topbar .mobile {
    width: 42px !important;
    height: 38px !important;
    padding: 0 !important;
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    grid-column: 3 !important;
    border: 1px solid var(--rd-line) !important;
    border-radius: 4px !important;
    color: var(--rd-navy) !important;
    background: #fff !important;
    font-size: 0 !important;
  }
  body:not(.admin-page) .topbar .mobile::after { content: "MENU" !important; display: block !important; color: var(--rd-navy); font-size: 9px; font-weight: 850; letter-spacing: .06em; }
  body:not(.admin-page) .topbar .links {
    position: fixed !important;
    z-index: 999;
    top: 102px !important;
    right: 0 !important;
    bottom: 0 !important;
    left: 0 !important;
    padding: 18px 24px 110px !important;
    display: none !important;
    align-content: start !important;
    overflow-y: auto;
    border-top: 1px solid var(--rd-line) !important;
    background: #fff !important;
  }
  body:not(.admin-page) .topbar .links.open { display: grid !important; }
  body:not(.admin-page) .topbar .links a {
    padding: 17px 4px !important;
    border-bottom: 1px solid var(--rd-line) !important;
    color: var(--rd-navy) !important;
    font-size: 14px !important;
    letter-spacing: -.01em !important;
    text-transform: none !important;
  }
  body:not(.admin-page) .topbar .links a::after { display: none !important; }
  .rd-hero { padding: 62px 0 68px; }
  .rd-hero::before { top: auto; bottom: 0; width: 100%; height: 36%; border: 0; border-top: 1px solid var(--rd-line); }
  .rd-hero-grid,
  .rd-process-grid,
  .rd-standard-grid { grid-template-columns: 1fr; gap: 55px; }
  .rd-snapshot { width: min(100%, 600px); }
  .rd-section-head { grid-template-columns: 1fr; gap: 18px; }
  .rd-final-inner { grid-template-columns: 1fr; align-items: start; gap: 38px; }
}

@media (max-width: 680px) {
  .rd-shell,
  body:not(.admin-page) .home-shell,
  body:not(.admin-page) .vc-shell,
  body:not(.admin-page) .application-shell,
  body:not(.admin-page) .prequal-shell,
  body:not(.admin-page) .seo-container,
  body:not(.admin-page) .vcredit-shell,
  body:not(.admin-page) .reviews-wrap { width: calc(100% - 32px) !important; }
  body:not(.admin-page) .v101-trustbar { min-height: 32px !important; padding-inline: 16px !important; font-size: 8px !important; }
  body:not(.admin-page) .v101-trustbar .bbb-seal-inline img { width: 35px !important; height: 14px !important; }
  body:not(.admin-page) .v101-trustbar > span:last-child { max-width: 145px; text-align: right; }
  body:not(.admin-page) .topbar .links { top: 100px !important; }
  body:not(.admin-page) .topbar .brand,
  body:not(.admin-page) .topbar .v91-wordmark { width: 145px !important; }
  body:not(.admin-page) .topbar .brand img,
  body:not(.admin-page) .topbar .v91-wordmark img,
  body:not(.admin-page) .topbar .vayda-full-logo { width: 144px !important; max-width: 144px !important; }
  .rd-hero { padding: 48px 0 58px; }
  .rd-hero::before { height: 40%; }
  .rd-hero-grid { gap: 44px; }
  .rd-hero h1 { font-size: clamp(43px, 13vw, 59px) !important; line-height: 1.01 !important; }
  .rd-lede { margin-top: 22px !important; font-size: 16px !important; }
  .rd-actions { align-items: stretch; flex-direction: column; }
  .rd-button { width: 100%; justify-content: space-between; }
  .rd-confidence { display: grid; gap: 8px; }
  .rd-snapshot { padding: 21px; }
  .rd-amount strong { font-size: 30px; }
  .rd-route-list a { grid-template-columns: 23px 1fr 14px; }
  .rd-route-list a em { display: none; }
  .rd-proof-grid { grid-template-columns: repeat(2, 1fr); }
  .rd-proof-grid > div { min-height: 99px; padding: 20px 16px; border-bottom: 1px solid var(--rd-line); }
  .rd-proof-grid > div:nth-child(3), .rd-proof-grid > div:nth-child(4) { border-bottom: 0; }
  .rd-proof-grid strong { font-size: 24px; }
  .rd-proof-grid .rd-bbb { gap: 7px; }
  .rd-proof-grid .rd-bbb img { width: 58px; }
  .rd-programs, .rd-standard { padding: 72px 0; }
  .rd-section-head h2, .rd-standard h2, .rd-process h2, .rd-final h2 { font-size: 39px !important; }
  .rd-program-grid { grid-template-columns: 1fr; }
  .rd-program-grid > a { min-height: 190px; padding: 25px 22px; grid-template-columns: 24px 1fr 16px; gap: 11px; }
  .rd-process { padding: 70px 0; }
  .rd-process-grid { gap: 48px; }
  .rd-steps li { min-height: 119px; grid-template-columns: 40px 1fr; }
  .rd-standard-grid { gap: 48px; }
  .rd-final { padding-top: 67px; }
  .rd-disclosure { width: calc(100% - 32px); margin-top: 50px !important; }
  body:not(.admin-page) .home-shell,
  body:not(.admin-page) .vc-shell,
  body:not(.admin-page) .prequal-shell,
  body:not(.admin-page) .application-shell { padding: 32px 0 70px !important; }
  body:not(.admin-page) .seo-hero,
  body:not(.admin-page) .vcredit-hero,
  body:not(.admin-page) .reviews-hero { padding: 49px 0 !important; }
  body:not(.admin-page) .seo-hero h1,
  body:not(.admin-page) .vcredit-hero h1,
  body:not(.admin-page) .reviews-hero h1,
  body:not(.admin-page) .home-hero-copy h1,
  body:not(.admin-page) .vc-hero-copy h1,
  body:not(.admin-page) .prequal-hero h1,
  body:not(.admin-page) .application-hero h1 { font-size: 41px !important; }
  body:not(.admin-page) .home-hero-copy,
  body:not(.admin-page) .vc-hero-copy,
  body:not(.admin-page) .prequal-hero > div:first-child,
  body:not(.admin-page) .application-card { padding: 28px 22px !important; }
  body:not(.admin-page) .seo-card-grid,
  body:not(.admin-page) .service-directory { grid-template-columns: 1fr !important; padding: 30px 0 65px !important; }
  body:not(.admin-page) .footer,
  body:not(.admin-page) .v91-footer { padding: 49px 20px 90px !important; }
  body:not(.admin-page) .foot-grid,
  body:not(.admin-page) .v91-footer-grid { grid-template-columns: 1fr 1fr !important; gap: 34px 20px !important; }
  body:not(.admin-page) .mobile-sticky-cta {
    right: 12px !important;
    bottom: 10px !important;
    left: 12px !important;
    z-index: 1500 !important;
    height: 54px !important;
    padding: 4px !important;
    display: grid !important;
    grid-template-columns: .72fr 1.28fr !important;
    gap: 4px !important;
    border: 1px solid rgba(7,29,53,.15) !important;
    border-radius: 7px !important;
    background: rgba(255,255,255,.96) !important;
    box-shadow: 0 16px 50px rgba(7,29,53,.24) !important;
    backdrop-filter: blur(12px);
  }
  body:not(.admin-page) .mobile-sticky-cta a { display: flex; align-items: center; justify-content: center; border-radius: 4px !important; font-size: 10px !important; font-weight: 850 !important; letter-spacing: .04em; text-transform: uppercase; }
  body:not(.admin-page) .mobile-sticky-cta .call { color: var(--rd-navy) !important; background: var(--rd-sky) !important; }
  body:not(.admin-page) .mobile-sticky-cta .apply { color: #fff !important; background: var(--rd-navy) !important; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}