*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#06110e;color:#f5f4eb;font-family:Inter,Arial,sans-serif;line-height:1.5}a{color:inherit;text-decoration:none}.header{height:74px;padding:0 clamp(18px,4vw,58px);display:flex;align-items:center;justify-content:space-between;gap:24px;border-bottom:1px solid #8b6b2e;background:#050d0b;position:sticky;top:0;z-index:10}.brand{display:flex;align-items:center;gap:10px}.brand-icon{font-size:34px;filter:drop-shadow(0 0 8px #c99a35)}.brand b{display:block;color:#f1cf73;font-family:Georgia,serif;font-size:24px;line-height:1.1}.brand small{display:block;font-size:9px;letter-spacing:1px;color:#b9c5bd;margin-top:4px}.header nav{display:flex;gap:28px;font-size:13px;color:#d5ddd7}.header nav a:hover,.safe{color:#f1cf73}.safe{font-size:12px}.menu{display:none;background:none;border:0;color:#f3d17c;font-size:24px}.hero{min-height:410px;display:grid;grid-template-columns:.85fr 1.15fr;align-items:center;position:relative;overflow:hidden;padding:48px clamp(22px,5vw,70px);background:radial-gradient(ellipse at 75% 35%,#16372e 0,#071713 42%,#050b09 80%);border-bottom:1px solid #5b4926}.hero-copy{position:relative;z-index:2}.eyebrow{font-size:10px;letter-spacing:2px;color:#d6ad4f;font-weight:700;margin:0 0 12px}.hero h1{font-family:Georgia,serif;font-size:clamp(50px,7vw,88px);line-height:.98;letter-spacing:-3px;margin:0;color:#f7e3a4;text-shadow:0 4px 25px #bc822b55}.hero h1 em{font-style:normal;color:#dcae48}.lead{font-size:18px;color:#d8e0d9;margin:20px 0 26px}.gold-btn,.cta{display:inline-flex;align-items:center;justify-content:space-between;gap:20px;background:linear-gradient(120deg,#f8df8d,#dba83e 55%,#f5d77e);color:#16130a;font-weight:800;border:1px solid #ffe59b;border-radius:999px;padding:14px 22px;box-shadow:0 0 25px #e4ae4430}.gold-btn:hover,.cta:hover{filter:brightness(1.12);transform:translateY(-1px)}.trust{display:flex;gap:16px;flex-wrap:wrap;margin-top:24px;color:#a9b8ae;font-size:11px}.train-art{height:320px;position:relative;overflow:hidden;align-self:stretch}.sun{position:absolute;right:18%;top:10%;width:170px;height:170px;border-radius:50%;background:#e8a63d;filter:blur(45px);opacity:.3}.mountains{position:absolute;inset:0;background:linear-gradient(145deg,transparent 30%,#1c3d32 30% 40%,transparent 40%),linear-gradient(35deg,transparent 35%,#102820 35% 53%,transparent 53%);opacity:.8}.rail{position:absolute;bottom:45px;left:0;width:100%;height:5px;background:linear-gradient(#f9d46d,#8c5a1a,#f9d46d);box-shadow:0 0 16px #f5b735}.locomotive{position:absolute;right:7%;bottom:54px;width:210px;height:155px;filter:drop-shadow(0 0 12px #d99a25)}.boiler{position:absolute;right:16px;top:25px;width:135px;height:90px;border:5px solid #b98a2c;border-radius:45px 35px 12px 12px;background:linear-gradient(90deg,#07120f,#17362b 48%,#040807);box-shadow:inset 0 0 15px #edbd51}.boiler span{position:absolute;top:27px;left:44px;border:1px solid #e4bb53;border-radius:50%;padding:8px;color:#f7d16c;font-family:Georgia;font-weight:bold}.smokestack{position:absolute;right:112px;top:0;width:36px;height:40px;border:5px solid #b98a2c;background:#142a22;border-radius:7px 7px 0 0}.front{position:absolute;right:0;top:88px;width:60px;height:48px;background:linear-gradient(90deg,#10231c,#050807);border:4px solid #b98a2c;clip-path:polygon(0 0,100% 0,100% 100%,25% 100%)}.wheel{position:absolute;bottom:0;border:5px solid #bd8b32;background:#0b1712;border-radius:50%;box-shadow:inset 0 0 0 4px #33473a}.w1{right:110px;width:48px;height:48px}.w2{right:48px;width:55px;height:55px}.w3{right:0;width:43px;height:43px}.carriage{position:absolute;bottom:64px;height:93px;width:130px;border:3px solid #9b782f;background:linear-gradient(#173329,#08120e);border-radius:8px 8px 2px 2px;box-shadow:inset 0 0 18px #c48a2344}.carriage:before{content:"";position:absolute;inset:12px;background:repeating-linear-gradient(90deg,transparent 0 25px,#d3a548 26px 29px,transparent 30px 40px);border:1px solid #bc8b34}.c1{right:220px}.c2{right:350px}.spark{position:absolute;color:#f9d777;text-shadow:0 0 14px #f8c34f;font-size:27px}.s1{right:42%;top:40px}.s2{right:23%;bottom:60px;font-size:22px}.filter-panel{margin:-1px auto 0;max-width:1380px;padding:22px clamp(18px,4vw,44px);display:grid;grid-template-columns:1fr 1fr 1.2fr;gap:18px;align-items:end;background:#091a14;border:1px solid #765d2c;border-radius:0 0 18px 18px}.filter-panel label{display:block;font-size:11px;color:#c9d4cc;margin-bottom:7px}.filter-panel input,.filter-panel select{width:100%;padding:12px;background:#0c2019;border:1px solid #52685b;border-radius:8px;color:#fff}.filter-note{font-size:11px;color:#b2bdb5;padding:10px}.section{max-width:1380px;margin:auto;padding:58px clamp(18px,4vw,44px) 72px}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:26px}.section h2,.about h2,.how h2{font-family:Georgia,serif;font-size:clamp(28px,4vw,42px);line-height:1.1;margin:0;color:#f4d47e}.muted{color:#aab8af;margin:8px 0 0}.count{color:#d8b75c;font-size:12px}.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.loan-card{position:relative;padding:17px 16px 18px;border:2px solid #9aabb0;border-radius:13px;background:linear-gradient(145deg,#182a27,#07110e 60%);box-shadow:inset 0 0 18px #a6bfc01a,0 8px 20px #0005;transition:.2s;min-width:0}.loan-card:before{content:"";position:absolute;left:10px;right:10px;top:5px;height:3px;background:linear-gradient(90deg,transparent,#b6c9c9,transparent);border-radius:50%}.loan-card:hover{transform:translateY(-4px);border-color:#e4bd5d;box-shadow:0 10px 28px #e7b64c22}.loan-card.featured{border-color:#eac35c;box-shadow:0 0 0 1px #f9d877,0 0 25px #eab94744,inset 0 0 22px #f1c34b14}.car-top{display:flex;justify-content:space-between;align-items:center;color:#d9bd6c;font-size:10px;letter-spacing:1px}.rank{display:grid;place-items:center;width:29px;height:29px;border-radius:50%;background:#182b23;border:1px solid #d8b251;color:#f7d87c;font-weight:bold}.logo{height:92px;display:flex;align-items:center;justify-content:center;margin:7px 0}.logo img{display:block;max-width:100%;max-height:82px;width:auto;height:auto;object-fit:contain}.fallback{font-family:Georgia;font-size:50px;color:#f4d47e;border:2px solid #cba54c;border-radius:50%;width:70px;height:70px;display:grid;place-items:center}.loan-card h2{text-align:center;font-size:19px;margin:0 0 17px;color:#f7df9b;overflow-wrap:anywhere}.facts{display:grid;grid-template-columns:1fr 1fr;gap:14px 8px;border-top:1px solid #3b5145;padding-top:14px;margin-bottom:18px}.facts small{display:block;color:#9eb0a5;font-size:10px;margin-bottom:4px}.facts strong{font-size:13px;color:#f4f6f0}.rate{grid-column:1/-1}.cta{width:100%;border-radius:8px;padding:11px 13px;font-size:12px}.cta span{font-size:17px}.about{display:grid;grid-template-columns:1fr 1fr;min-height:360px;border-top:1px solid #745a2d;border-bottom:1px solid #745a2d;background:#08150f}.about-art{position:relative;min-height:300px;overflow:hidden;background:radial-gradient(ellipse at 50% 35%,#b77a2a,#26372a 40%,#07100c 75%)}.window{position:absolute;inset:35px 12%;border:12px solid #4e3517;border-radius:50% 50% 8px 8px;background:linear-gradient(#e7a955,#5e754b 58%,#17372c);overflow:hidden;box-shadow:0 0 0 3px #d1a54a,0 0 30px #dc9d3b55}.window-sun{position:absolute;width:90px;height:90px;border-radius:50%;background:#ffe0a0;top:25px;left:35%;filter:blur(2px)}.window-hills{position:absolute;bottom:0;height:60%;width:100%;background:linear-gradient(145deg,transparent 25%,#254739 25% 44%,transparent 44%),linear-gradient(35deg,#142a20 30%,transparent 30%),linear-gradient(145deg,transparent 35%,#516346 35% 55%,transparent 55%)}.seat{position:absolute;bottom:0;left:0;right:0;height:35px;background:linear-gradient(#9c6a2c,#23190e)}.about-copy{padding:50px clamp(24px,5vw,64px)}.about-copy>p:not(.eyebrow){color:#b7c5bb;max-width:520px}.benefits{display:grid;gap:14px;margin-top:25px}.benefits>div{display:flex;align-items:center;gap:13px}.benefits b{width:40px;height:40px;display:grid;place-items:center;border:1px solid #d9b44f;border-radius:50%;font-size:21px;color:#f2ce70}.benefits strong,.benefits small{display:block}.benefits small{font-size:11px;color:#aab9ae}.how{padding:58px clamp(20px,5vw,70px);max-width:1380px;margin:auto}.how h2{margin-bottom:28px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.steps>div{border-top:1px solid #8c6b30;padding:18px 5px}.steps i{display:block;color:#e4bd5a;font-size:25px;font-style:normal;font-family:Georgia;margin-bottom:10px}.steps b{color:#f2d783}.steps p{color:#aab8af;font-size:13px;margin-bottom:0}footer{padding:30px clamp(20px,5vw,70px);border-top:1px solid #72592d;background:#040a08}footer p{font-size:12px;color:#aebbb2;max-width:900px}.disclaimer{font-size:11px;color:#87968b}footer>small{color:#78877d;font-size:10px} [hidden]{display:none!important}
@media(max-width:1050px){.cards{grid-template-columns:repeat(3,minmax(0,1fr))}.header nav{gap:14px}.safe{display:none}.hero{grid-template-columns:1fr 1fr}.train-art{transform:scale(.9);transform-origin:center right}}
@media(max-width:720px){.header{height:64px;padding:0 16px}.brand b{font-size:20px}.brand-icon{font-size:28px}.header nav{display:none}.menu{display:block}.hero{grid-template-columns:1fr;padding:35px 20px 0;min-height:570px}.hero h1{font-size:58px}.lead{font-size:16px}.train-art{height:250px;width:100%;transform:scale(.9);transform-origin:bottom center;margin-top:0}.trust{font-size:10px;gap:9px}.filter-panel{margin:0 12px;padding:17px;grid-template-columns:1fr 1fr;border-radius:12px}.filter-note{grid-column:1/-1;padding:0}.section{padding:42px 15px 50px}.section-head{align-items:start;flex-direction:column}.cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:11px}.loan-card{padding:14px 11px}.logo{height:75px}.logo img{max-height:68px}.loan-card h2{font-size:16px;margin-bottom:13px}.facts{gap:10px 5px}.facts strong{font-size:12px}.cta{font-size:11px;padding:10px 9px}.about{grid-template-columns:1fr}.about-art{min-height:230px}.about-copy{padding:35px 22px}.steps{grid-template-columns:1fr;gap:8px}.steps>div{display:grid;grid-template-columns:45px 1fr;column-gap:12px}.steps i{grid-row:span 2}.steps p{margin-top:5px}footer .brand b{font-size:20px}}
@media(max-width:380px){.cards{grid-template-columns:1fr}.loan-card{padding:16px}.logo{height:90px}.logo img{max-height:80px}.filter-panel{grid-template-columns:1fr}.filter-note{grid-column:auto}.hero h1{font-size:50px}}

/* Brand artwork panels */
.logo.artwork{height:auto;aspect-ratio:12/5;margin:12px 0 14px;overflow:hidden;border-radius:10px;background:#06100c}.logo.artwork img{width:100%;height:100%;max-height:none;object-fit:cover;border-radius:10px;transition:transform .25s,filter .25s}.loan-card:hover .logo.artwork img{transform:scale(1.025);filter:brightness(1.08)}
@media(max-width:720px){.logo.artwork{aspect-ratio:12/5}.logo.artwork img{max-height:none}}

/* Real carriage details: metal chassis, rails and visible wheels */
.cards{position:relative;row-gap:38px;padding-bottom:18px;background:linear-gradient(180deg,transparent calc(100% - 29px),#d6a84b calc(100% - 28px),#fff0a0 calc(100% - 25px),#493116 calc(100% - 21px),transparent calc(100% - 18px));}
.loan-card{margin-bottom:14px;border-radius:13px 13px 9px 9px;overflow:visible;}
.loan-card:after{content:"";position:absolute;z-index:3;left:8%;right:8%;height:27px;bottom:-27px;background:radial-gradient(circle at 12% 45%,#101714 0 7px,#a7b5b4 7.5px 9px,#27352f 9.5px 12px,transparent 12.5px),radial-gradient(circle at 30% 45%,#101714 0 7px,#a7b5b4 7.5px 9px,#27352f 9.5px 12px,transparent 12.5px),radial-gradient(circle at 70% 45%,#101714 0 7px,#a7b5b4 7.5px 9px,#27352f 9.5px 12px,transparent 12.5px),radial-gradient(circle at 88% 45%,#101714 0 7px,#a7b5b4 7.5px 9px,#27352f 9.5px 12px,transparent 12.5px);filter:drop-shadow(0 2px 2px #000);pointer-events:none}
.loan-card:before{z-index:2;top:auto;bottom:-7px;height:7px;left:3px;right:3px;background:linear-gradient(180deg,#f2d47b,#8b6327 45%,#f4d777);border-radius:2px;}
.loan-card.featured:after{background:radial-gradient(circle at 12% 45%,#17130a 0 7px,#eac35c 7.5px 9px,#63491c 9.5px 12px,transparent 12.5px),radial-gradient(circle at 30% 45%,#17130a 0 7px,#eac35c 7.5px 9px,#63491c 9.5px 12px,transparent 12.5px),radial-gradient(circle at 70% 45%,#17130a 0 7px,#eac35c 7.5px 9px,#63491c 9.5px 12px,transparent 12.5px),radial-gradient(circle at 88% 45%,#17130a 0 7px,#eac35c 7.5px 9px,#63491c 9.5px 12px,transparent 12.5px);}
@media(max-width:720px){.cards{row-gap:38px;padding-bottom:20px}.loan-card{margin-bottom:14px}}

/* Individual branded wagon illustrations and detailed railway undercarriage */
.wagon-illustration{height:82px;margin:4px 0 2px;border-radius:7px;overflow:hidden;border:1px solid #52665c;background:#07100d;box-shadow:inset 0 0 18px #000;position:relative}
.wagon-illustration img{display:block;width:100%;height:100%;object-fit:cover;opacity:.95}
.logo{position:relative;z-index:1;margin:0 auto 7px!important;height:60px!important;width:100%;background:linear-gradient(180deg,#07120fdd,#07120f99);border-radius:0 0 7px 7px}
.logo img{max-height:55px!important;max-width:90%!important;object-fit:contain!important}
.logo.artwork{aspect-ratio:auto!important;height:60px!important}
.logo.artwork img{object-fit:contain!important}
.loan-card{border-width:3px;box-shadow:inset 0 0 0 2px #ffffff12,inset 0 0 22px #a6bfc01a,0 8px 20px #0008}
.loan-card:after{height:34px;bottom:-34px;background:radial-gradient(circle at 12% 48%,#0b1110 0 7px,#b8c8c5 7.5px 10px,#4a5b56 10.5px 13px,#101a16 13.5px 15px,transparent 15.5px),radial-gradient(circle at 30% 48%,#0b1110 0 7px,#b8c8c5 7.5px 10px,#4a5b56 10.5px 13px,#101a16 13.5px 15px,transparent 15.5px),radial-gradient(circle at 70% 48%,#0b1110 0 7px,#b8c8c5 7.5px 10px,#4a5b56 10.5px 13px,#101a16 13.5px 15px,transparent 15.5px),radial-gradient(circle at 88% 48%,#0b1110 0 7px,#b8c8c5 7.5px 10px,#4a5b56 10.5px 13px,#101a16 13.5px 15px,transparent 15.5px)}
.loan-card:before{height:8px;bottom:-8px;background:linear-gradient(180deg,#f7e7ae,#687873 45%,#d7b45a);}
.car-top{position:relative;z-index:2}
@media(max-width:720px){.wagon-illustration{height:70px}.logo{height:52px!important}.logo img{max-height:47px!important}.logo.artwork{height:52px!important}}


/* Final reference-layout pass: compact five-car train rows */
@media (min-width: 1100px){
  .cards{grid-template-columns:repeat(5,minmax(0,1fr));gap:34px 14px;padding:8px 2px 22px;row-gap:38px;background:linear-gradient(180deg,transparent calc(25% - 2px),#6f4a1d calc(25% - 1px),#f4d67a 25%,#332516 calc(25% + 3px),transparent calc(25% + 5px),transparent calc(50% - 2px),#6f4a1d calc(50% - 1px),#f4d67a 50%,#332516 calc(50% + 3px),transparent calc(50% + 5px),transparent calc(75% - 2px),#6f4a1d calc(75% - 1px),#f4d67a 75%,#332516 calc(75% + 3px),transparent calc(75% + 5px));}
  .loan-card{padding:12px 12px 15px;min-height:275px;background:linear-gradient(145deg,#1a2926 0%,#06100d 55%,#10211b 100%);border-radius:12px 12px 8px 8px;}
  .wagon-illustration{height:94px;margin:5px 0 6px;border-color:#8d9f99;box-shadow:inset 0 0 18px #000,0 0 10px #8ba7a333;}
  .logo{height:42px!important;margin:0 auto 4px!important;background:transparent;}
  .logo img{max-height:40px!important;max-width:84%!important;}
  .logo.artwork{height:42px!important;}
  .loan-card h2{font-size:16px;margin-bottom:10px;}
  .facts{gap:8px 5px;padding-top:9px;margin-bottom:12px;}
  .facts small{font-size:10px;} .facts strong{font-size:12px;}
  .cta{padding:9px 8px;font-size:11px;}
}
.loan-card:after{content:"";left:5%;right:5%;height:36px;bottom:-36px;background:radial-gradient(circle at 12% 46%,#080d0c 0 7px,#b9c8c4 7.5px 9px,#596b64 9.5px 12px,#101915 12.5px 14px,transparent 14.5px),radial-gradient(circle at 30% 46%,#080d0c 0 7px,#b9c8c4 7.5px 9px,#596b64 9.5px 12px,#101915 12.5px 14px,transparent 14.5px),radial-gradient(circle at 70% 46%,#080d0c 0 7px,#b9c8c4 7.5px 9px,#596b64 9.5px 12px,#101915 12.5px 14px,transparent 14.5px),radial-gradient(circle at 88% 46%,#080d0c 0 7px,#b9c8c4 7.5px 9px,#596b64 9.5px 12px,#101915 12.5px 14px,transparent 14.5px);}
@media(max-width:1099px){.cards{grid-template-columns:repeat(3,minmax(0,1fr));}}
@media(max-width:720px){.cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:36px 10px}.wagon-illustration{height:76px}.loan-card{padding:10px 9px 13px}.loan-card h2{font-size:15px}.facts strong{font-size:11px}}
@media(max-width:390px){.cards{grid-template-columns:1fr}.wagon-illustration{height:100px}}

/* Brand artwork: one integrated image per wagon, color-matched to each MFO */
.loan-card{border-color:var(--brand-accent,#9aabb0);box-shadow:inset 0 0 0 2px #ffffff12,inset 0 0 22px color-mix(in srgb,var(--brand-accent,#a6bfc0) 12%,transparent),0 8px 20px #0008;}
.loan-card:hover{border-color:var(--brand-accent,#e4bd5d);box-shadow:0 10px 28px color-mix(in srgb,var(--brand-accent,#e7b64c) 25%,transparent),inset 0 0 18px color-mix(in srgb,var(--brand-accent,#e7b64c) 12%,transparent);}
.loan-card.featured{border-color:#eac35c!important;box-shadow:0 0 0 1px #f9d877,0 0 25px #eab94744,inset 0 0 22px #f1c34b14;}
.wagon-illustration.brand-art{height:auto;aspect-ratio:2.5/1;margin:10px 0 13px;border:2px solid var(--brand-accent,#52665c);border-radius:9px;overflow:hidden;background:var(--brand-color,#07100d);box-shadow:0 0 14px color-mix(in srgb,var(--brand-accent,#8ba7a3) 22%,transparent);}
.wagon-illustration.brand-art img{width:100%;height:100%;object-fit:cover;display:block;opacity:1;}
@media(max-width:720px){.wagon-illustration.brand-art{aspect-ratio:2.3/1;height:auto;margin:7px 0 10px;}}

/* Original custom artwork for each MFO; no user-supplied images used */
.wagon-illustration.brand-art{aspect-ratio:2.5/1;height:auto;background:#07120f;border:2px solid var(--brand-accent,#52665c);}
.wagon-illustration.brand-art img{width:100%;height:100%;object-fit:cover;display:block;}

/* SEO guide content */
.seo-guide{max-width:1100px;margin:0 auto;padding:56px clamp(20px,5vw,70px);color:#d9e0da;line-height:1.75}.seo-guide h2{font-family:Georgia,serif;color:#f4d47e;font-size:clamp(27px,3vw,38px);line-height:1.2}.seo-guide h3{color:#f1d58a;font-size:20px;margin:26px 0 8px}.seo-guide p,.seo-guide li{color:#c2cdc5}.seo-guide ul{padding-left:24px}.seo-guide details{border:1px solid #34443b;border-radius:8px;padding:13px 16px;margin:10px 0;background:#0c1712}.seo-guide summary{cursor:pointer;color:#f4d47e;font-weight:700}.seo-guide details p{margin-bottom:0}