.tl-page {
  --tl-gold: #f1cc25;
  --tl-gold-dark: #d2ae12;
  --tl-red: #e33a2f;
  --tl-red-dark: #bf2d23;
  --tl-olive: #485238;
  --tl-olive-deep: #3a432d;
  --tl-ink: #303030;
  --tl-muted: #686868;
  --tl-border: #dfdfdf;
  --tl-bg: #f3f3f3;
  background: var(--tl-bg);
  color: var(--tl-ink);
}

.tl-page main {
  overflow: hidden;
}

.tl-page img {
  display: block;
  max-width: 100%;
}

.tl-page a {
  text-decoration: none;
}

.tl-page h1,
.tl-page h2,
.tl-page h3 {
  color: var(--tl-ink);
  letter-spacing: -0.02em;
}

.tl-page p,
.tl-page li {
  color: var(--tl-muted);
}

.tl-hero {
  position: relative;
  padding: 40px 0 56px;
  background:
    linear-gradient(90deg, rgba(241, 204, 37, 0.9) 0%, rgba(241, 204, 37, 0.84) 35%, rgba(255, 255, 255, 0.7) 70%, rgba(255, 255, 255, 0.78) 100%),
    url("../img/business-loans/couple-talking-to-their-business-advisor.jpeg") center center / cover no-repeat;
}

.tl-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 1px;
  background: rgba(0, 0, 0, 0.06);
}

.tl-hero-inner {
  min-height: 430px;
  display: flex;
  align-items: center;
}

.tl-hero-copy {
  max-width: 430px;
  padding: 20px 0 20px 18px;
}

.tl-kicker,
.tl-eyebrow {
  display: inline-block;
  margin-bottom: 10px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.tl-kicker {
  padding: 5px 10px;
  background: #198ad7;
  color: #fff;
}

.tl-hero-copy h1 {
  margin: 0 0 12px;
  max-width: 360px;
  font-size: clamp(2.2rem, 3vw, 3.5rem);
  line-height: 1.02;
}

.tl-hero-copy p {
  margin: 0;
  max-width: 350px;
  color: rgba(48, 48, 48, 0.88);
  font-size: 15px;
  line-height: 1.75;
}

.tl-hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 24px;
}

.tl-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 20px;
  border: 1px solid transparent;
  font-size: 13px;
  font-weight: 800;
  line-height: 1;
  text-transform: uppercase;
  transition: 0.2s ease;
  text-decoration: none !important;
}

.tl-btn:hover {
  transform: translateY(-1px);
}

.tl-btn-primary,
.tl-btn-primary:visited,
.tl-btn-primary:focus {
  background: var(--tl-red);
  color: #fff !important;
  box-shadow: 0 14px 28px rgba(227, 58, 47, 0.18);
}

.tl-btn-primary:hover {
  background: var(--tl-red-dark);
  color: #fff !important;
}

.tl-btn-secondary,
.tl-btn-secondary:visited,
.tl-btn-secondary:focus {
  background: rgba(255, 255, 255, 0.72);
  border-color: rgba(48, 48, 48, 0.18);
  color: var(--tl-ink) !important;
}

.tl-btn-secondary:hover {
  background: #fff;
  color: var(--tl-ink) !important;
}

.tl-btn-gold,
.tl-btn-gold:visited,
.tl-btn-gold:focus {
  min-width: 144px;
  background: var(--tl-gold);
  color: #242424 !important;
}

.tl-btn-gold:hover {
  background: var(--tl-gold-dark);
  color: #242424 !important;
}

.tl-overview,
.tl-faq,
.tl-checklist {
  background: #f5f5f5;
}

.tl-overview {
  padding: 68px 0 42px;
}

.tl-overview-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) 360px;
  gap: 40px;
  align-items: start;
}

.tl-overview-copy h2 {
  margin: 0 0 16px;
  font-size: 26px;
}

.tl-step-list,
.tl-benefit-text-list {
  margin: 0;
  padding-left: 18px;
}

.tl-step-list {
  display: grid;
  gap: 12px;
}

.tl-step-list li,
.tl-benefit-text-list li {
  font-size: 15px;
  line-height: 1.8;
}

.tl-illustration-card {
  padding: 20px;
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 20px 36px rgba(32, 32, 32, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 340px;
}

.tl-illustration-card img {
  width: 100%;
  max-width: 300px;
  height: auto;
}

.tl-benefits-copy {
  margin-top: 38px;
}

.tl-benefits-copy h3 {
  margin: 0 0 14px;
  font-size: 18px;
}

.tl-benefit-text-list {
  display: grid;
  gap: 10px;
}

.tl-benefit-text-list strong {
  color: var(--tl-ink);
}

.tl-footnote {
  max-width: 900px;
  margin: 18px 0 0;
  font-size: 14px;
  line-height: 1.8;
}

.tl-highlight-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 36px;
}

.tl-highlight-card {
  padding: 26px 22px;
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 18px 30px rgba(32, 32, 32, 0.06);
}

.tl-highlight-icon {
  width: 56px;
  height: 56px;
  margin-bottom: 16px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(241, 204, 37, 0.2);
  color: #8d7500;
  font-size: 24px;
}

.tl-highlight-card h3 {
  margin: 0 0 10px;
  font-size: 21px;
}

.tl-highlight-card p {
  margin: 0;
  font-size: 14px;
  line-height: 1.8;
}

.tl-uses {
  padding: 72px 0;
  background: #fff;
}

.tl-uses-grid,
.tl-checklist-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.95fr);
  gap: 34px;
  align-items: center;
}

.tl-uses-media,
.tl-checklist-media {
  border-radius: 26px;
  overflow: hidden;
  box-shadow: 0 24px 44px rgba(32, 32, 32, 0.08);
}

.tl-uses-media img,
.tl-checklist-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.tl-uses-copy h2,
.tl-checklist-copy h2 {
  margin: 0;
  font-size: clamp(2rem, 3vw, 3rem);
}

.tl-uses-copy p,
.tl-checklist-copy p {
  margin: 16px 0 0;
  font-size: 15px;
  line-height: 1.85;
}

.tl-use-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 24px 0 28px;
}

.tl-use-tags span {
  display: inline-flex;
  align-items: center;
  min-height: 38px;
  padding: 0 14px;
  border-radius: 999px;
  background: rgba(241, 204, 37, 0.2);
  color: var(--tl-ink);
  font-size: 13px;
  font-weight: 700;
}

.tl-checklist {
  padding: 28px 0 72px;
}

.tl-checklist-copy {
  padding: 8px 0;
}

.tl-checklist-list {
  margin: 24px 0 0;
  padding-left: 18px;
  display: grid;
  gap: 10px;
}

.tl-checklist-list li {
  font-size: 15px;
  line-height: 1.8;
}

.tl-checklist-note {
  margin-top: 22px;
  padding: 16px 18px;
  border-left: 4px solid var(--tl-gold);
  background: #fff;
  color: var(--tl-muted);
  font-size: 14px;
  line-height: 1.8;
}

.tl-checklist-note strong {
  color: var(--tl-ink);
}

.tl-faq {
  padding: 10px 0 62px;
}

.tl-section-heading {
  margin-bottom: 24px;
}

.tl-eyebrow {
  color: #746400;
}

.tl-section-heading h2 {
  margin: 0;
  font-size: 34px;
}

.tl-accordion-item {
  border: 1px solid var(--tl-border);
  border-radius: 0 !important;
  overflow: hidden;
}

.tl-accordion-item + .tl-accordion-item {
  margin-top: 10px;
}

.tl-accordion .accordion-button {
  padding: 16px 18px;
  background: #fff;
  color: var(--tl-ink);
  font-size: 15px;
  font-weight: 700;
  box-shadow: none;
}

.tl-accordion .accordion-button:not(.collapsed) {
  background: var(--tl-gold);
  color: var(--tl-ink);
}

.tl-accordion .accordion-button:focus {
  box-shadow: none;
}

.tl-accordion .accordion-button::after {
  width: 14px;
  height: 14px;
  background-size: 14px;
}

.tl-accordion .accordion-body {
  padding: 16px 18px 18px;
  color: var(--tl-muted);
  font-size: 14px;
  line-height: 1.8;
}

.tl-protection {
  padding: 66px 0 72px;
  background: linear-gradient(180deg, var(--tl-olive) 0%, var(--tl-olive-deep) 100%);
}

.tl-protection-head {
  max-width: 700px;
  margin: 0 auto 34px;
  text-align: center;
}

.tl-eyebrow-light {
  color: rgba(255, 255, 255, 0.72);
}

.tl-protection-head h2 {
  margin: 0;
  color: #fff;
  font-size: clamp(2rem, 2.8vw, 2.8rem);
}

.tl-protection-head p {
  margin: 14px 0 0;
  color: rgba(255, 255, 255, 0.8);
  font-size: 15px;
  line-height: 1.8;
}

.tl-protection-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}

.tl-protection-item {
  text-align: center;
}

.tl-protection-icon {
  width: 68px;
  height: 68px;
  margin: 0 auto 16px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  font-size: 26px;
}

.tl-protection-item p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
  line-height: 1.8;
}

.tl-protection-actions {
  margin-top: 34px;
  text-align: center;
}

@media (max-width: 1199.98px) {
  .tl-overview-grid,
  .tl-uses-grid,
  .tl-checklist-grid {
    grid-template-columns: 1fr;
  }

  .tl-highlight-grid,
  .tl-protection-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 767.98px) {
  .tl-hero {
    padding: 24px 0 36px;
    background-position: 68% center;
  }

  .tl-hero-inner {
    min-height: 0;
  }

  .tl-hero-copy {
    padding: 18px 0 0;
  }

  .tl-hero-copy h1 {
    max-width: none;
  }

  .tl-hero-copy p {
    max-width: none;
  }

  .tl-hero-actions {
    flex-direction: column;
  }

  .tl-btn {
    width: 100%;
  }

  .tl-overview,
  .tl-faq,
  .tl-protection {
    padding-left: 0;
    padding-right: 0;
  }

  .tl-overview,
  .tl-uses,
  .tl-checklist,
  .tl-protection {
    padding-top: 56px;
    padding-bottom: 56px;
  }

  .tl-faq {
    padding-top: 8px;
    padding-bottom: 56px;
  }

  .tl-section-heading h2,
  .tl-overview-copy h2 {
    font-size: 28px;
  }

  .tl-highlight-grid,
  .tl-protection-grid {
    grid-template-columns: 1fr;
  }
}