/* ============================================================
   The Buyer Assist Group — Pitch by Broken Mind Software
   ============================================================ */

:root {
  /* Palette: Premium boutique — Navy / Gold / Cream */
  --ink: #0A1F3D;          /* deep navy */
  --ink-2: #102A4F;        /* navy-2 */
  --ink-3: #1A3963;        /* navy-3 (cards on dark) */
  --gold: #C8A65A;         /* signature gold */
  --gold-2: #B8923F;       /* gold hover */
  --gold-soft: #E2CB94;
  --cream: #F5F1E8;        /* warm parchment */
  --cream-2: #EFE9DA;
  --paper: #FBF8F1;        /* paper bg */
  --bone: #FFFEFB;
  --line: rgba(10, 31, 61, 0.12);
  --line-dark: rgba(245, 241, 232, 0.14);
  --muted: rgba(10, 31, 61, 0.58);
  --muted-on-dark: rgba(245, 241, 232, 0.66);

  /* Type */
  --serif: 'Newsreader', 'Source Serif 4', Georgia, serif;
  --sans: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --mono: 'JetBrains Mono', ui-monospace, monospace;

  /* Scale */
  --container: 1280px;
  --gutter: clamp(20px, 4vw, 56px);
  --radius: 4px;
  --radius-lg: 12px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--sans);
  background: var(--paper);
  color: var(--ink);
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  line-height: 1.5;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }

/* ============================================================
   Typography
   ============================================================ */
.eyebrow {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-2);
}
.eyebrow.on-dark { color: var(--gold-soft); }
.eyebrow .dot {
  display: inline-block;
  width: 5px; height: 5px; border-radius: 50%;
  background: currentColor; margin: 0 10px 2px 0;
  vertical-align: middle;
}

h1, h2, h3, h4 { margin: 0; font-family: var(--serif); font-weight: 400; letter-spacing: -0.015em; line-height: 1.05; }
.display {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(48px, 8vw, 124px);
  line-height: 0.96;
  letter-spacing: -0.025em;
}
.display em { font-style: italic; color: var(--gold); font-weight: 300; }
.h1 { font-family: var(--serif); font-weight: 300; font-size: clamp(40px, 5.5vw, 84px); line-height: 1.0; letter-spacing: -0.02em; }
.h2 { font-family: var(--serif); font-weight: 300; font-size: clamp(30px, 3.5vw, 52px); line-height: 1.08; letter-spacing: -0.015em; }
.h3 { font-family: var(--serif); font-weight: 400; font-size: clamp(22px, 2vw, 30px); line-height: 1.15; }
.h4 { font-family: var(--sans); font-weight: 600; font-size: 14px; letter-spacing: 0.06em; text-transform: uppercase; }
.lede {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(20px, 2vw, 28px); line-height: 1.4;
  letter-spacing: -0.005em;
}
.body { font-size: 16px; line-height: 1.6; color: var(--muted); }
.body.on-dark { color: var(--muted-on-dark); }
.italic { font-style: italic; font-family: var(--serif); }

/* ============================================================
   Layout primitives
   ============================================================ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}
.section { padding: clamp(80px, 10vw, 140px) 0; }
.section.tight { padding: clamp(56px, 7vw, 96px) 0; }
.section.dark { background: var(--ink); color: var(--cream); }
.section.cream { background: var(--cream); }
.section.paper { background: var(--paper); }
.section.bone { background: var(--bone); }

.row-between { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.stack { display: flex; flex-direction: column; gap: 16px; }
.cluster { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }

.rule { height: 1px; background: var(--line); border: 0; margin: 0; }
.rule.on-dark { background: var(--line-dark); }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 22px;
  font-family: var(--sans); font-weight: 600; font-size: 14px;
  letter-spacing: 0.02em;
  border: 1px solid transparent;
  border-radius: 999px;
  transition: all 200ms ease;
  text-decoration: none;
  cursor: pointer;
}
.btn .arrow { transition: transform 200ms ease; }
.btn:hover .arrow { transform: translateX(3px); }
.btn.primary { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.btn.primary:hover { background: var(--gold-2); border-color: var(--gold-2); }
.btn.ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn.ghost:hover { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.btn.ghost.on-dark { color: var(--cream); border-color: var(--line-dark); }
.btn.ghost.on-dark:hover { background: var(--cream); color: var(--ink); border-color: var(--cream); }
.btn.link { padding: 0; background: transparent; color: var(--ink); border: 0; border-bottom: 1px solid var(--ink); border-radius: 0; padding-bottom: 2px; }
.btn.link.on-dark { color: var(--cream); border-bottom-color: var(--gold); }

/* ============================================================
   Nav
   ============================================================ */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(10, 31, 61, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  color: var(--cream);
  border-bottom: 1px solid var(--line-dark);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 0;
  gap: 16px;
}
.nav-logo { display: flex; align-items: center; gap: 12px; cursor: pointer; }
.nav-links { display: flex; gap: 32px; align-items: center; }
.nav-link {
  font-size: 13px; font-weight: 500; letter-spacing: 0.04em;
  color: var(--cream); opacity: 0.78;
  transition: opacity 150ms;
  position: relative; padding: 6px 0;
  cursor: pointer;
}
.nav-link:hover, .nav-link.active { opacity: 1; }
.nav-link.active::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 1px; background: var(--gold);
}
.nav-item { position: relative; }
.nav-link-chevron {
  display: inline-block; margin-left: 4px; font-size: 9px;
  opacity: 0.5; transition: transform 200ms; vertical-align: middle;
}
.nav-item:hover .nav-link-chevron { transform: rotate(180deg); opacity: 1; }
.nav-dropdown {
  position: absolute; top: 100%; left: 50%;
  transform: translateX(-50%) translateY(-4px);
  padding-top: 14px; min-width: 200px;
  opacity: 0; pointer-events: none;
  transition: opacity 160ms ease, transform 160ms ease;
}
.nav-dropdown-inner {
  background: var(--ink-2); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 8px; padding: 6px;
  box-shadow: 0 16px 40px rgba(0,0,0,0.4);
}
.nav-dropdown.open {
  opacity: 1; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown-item {
  display: block; padding: 9px 14px;
  font-size: 12px; letter-spacing: 0.03em; font-weight: 500;
  color: rgba(245,241,232,0.78); cursor: pointer;
  border-radius: 5px; transition: all 140ms; white-space: nowrap;
}
.nav-dropdown-item:hover { color: var(--cream); background: rgba(255,255,255,0.07); }
.nav-dropdown-divider { height: 1px; background: rgba(255,255,255,0.08); margin: 4px 6px; }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.nav-phone {
  font-size: 13px; color: var(--gold-soft); font-weight: 500;
  font-variant-numeric: tabular-nums;
  text-decoration: none;
}
.nav-cta-btn { padding: 10px 18px; font-size: 13px; }
.nav-cta-text-short { display: none; }
.nav-burger {
  display: none;
  width: 40px; height: 40px;
  background: transparent; border: 1px solid var(--line-dark);
  border-radius: 50%;
  padding: 0;
  flex-direction: column; justify-content: center; align-items: center; gap: 4px;
  cursor: pointer;
  transition: all 200ms;
}
.nav-burger span {
  display: block; width: 16px; height: 1px; background: var(--cream);
  transition: all 250ms;
}
.nav-burger.open { background: var(--gold); border-color: var(--gold); }
.nav-burger.open span { background: var(--ink); }
.nav-burger.open span:nth-child(1) { transform: translateY(5px) rotate(45deg); }
.nav-burger.open span:nth-child(2) { opacity: 0; }
.nav-burger.open span:nth-child(3) { transform: translateY(-5px) rotate(-45deg); }

/* Mobile drawer */
.nav-drawer {
  position: fixed; inset: 0; z-index: 49;
  background: rgba(10, 31, 61, 0.5);
  backdrop-filter: blur(8px);
  opacity: 0; pointer-events: none;
  transition: opacity 250ms ease;
}
.nav-drawer.open { opacity: 1; pointer-events: auto; }
.nav-drawer-inner {
  position: absolute; top: 0; right: 0; bottom: 0;
  width: min(440px, 92vw);
  background: var(--ink); color: var(--cream);
  padding: 24px 28px 32px;
  display: flex; flex-direction: column;
  transform: translateX(100%);
  transition: transform 350ms cubic-bezier(0.22, 1, 0.36, 1);
  border-left: 1px solid var(--gold);
  overflow-y: auto;
}
.nav-drawer.open .nav-drawer-inner { transform: translateX(0); }
.nav-drawer-head {
  display: flex; align-items: center; justify-content: space-between;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--line-dark);
}
.nav-drawer-close {
  width: 40px; height: 40px; border-radius: 50%;
  background: transparent; border: 1px solid var(--line-dark);
  color: var(--cream); cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px;
}
.nav-drawer-links {
  display: flex; flex-direction: column;
  padding: 24px 0;
  flex: 1;
}
.nav-drawer-link {
  display: grid; grid-template-columns: 32px 1fr 24px;
  gap: 16px; align-items: baseline;
  padding: 20px 0;
  border-bottom: 1px solid var(--line-dark);
  cursor: pointer;
  transition: all 200ms;
}
.nav-drawer-link:hover, .nav-drawer-link.active { padding-left: 8px; }
.nav-drawer-link .num {
  font-family: var(--serif); font-style: italic; font-weight: 300;
  font-size: 16px; color: var(--gold);
}
.nav-drawer-link .lbl {
  font-family: var(--serif); font-weight: 300;
  font-size: 32px; line-height: 1; color: var(--cream);
}
.nav-drawer-link.active .lbl { color: var(--gold-soft); }
.nav-drawer-link .arrow {
  text-align: right; opacity: 0.5;
  font-family: var(--sans);
}
.nav-drawer-foot {
  padding-top: 24px;
  border-top: 1px solid var(--line-dark);
  display: flex; flex-direction: column; gap: 8px;
}
.nav-drawer-foot .eyebrow { margin-bottom: 8px; }
.nav-drawer-phone {
  font-family: var(--serif); font-size: 28px; font-weight: 300;
  color: var(--cream); text-decoration: none;
  font-variant-numeric: tabular-nums;
}
.nav-drawer-email {
  font-size: 14px; color: var(--gold-soft); opacity: 0.85;
  text-decoration: none;
  word-break: break-all;
}

/* ============================================================
   Logo lockups
   ============================================================ */
.logo-existing {
  display: inline-flex; align-items: baseline; gap: 8px;
  font-family: var(--serif); font-weight: 400; letter-spacing: -0.01em;
  font-size: 18px; line-height: 1;
}
.logo-existing .bag {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--gold); color: var(--ink);
  font-family: var(--serif); font-weight: 500; font-size: 16px;
  letter-spacing: 0;
}
.logo-existing .name { font-size: 16px; color: inherit; }
.logo-existing .name .light { opacity: 0.55; font-style: italic; }

.logo-proposed { display: inline-flex; align-items: center; gap: 10px; }
.logo-proposed .mark {
  width: 32px; height: 32px;
  display: inline-flex; align-items: center; justify-content: center;
}
.logo-proposed .wordmark {
  font-family: var(--serif); font-weight: 400;
  font-size: 18px; letter-spacing: 0.02em;
  line-height: 1;
}
.logo-proposed .wordmark .amp { color: var(--gold); font-style: italic; }

/* ============================================================
   Hero
   ============================================================ */
.hero { position: relative; overflow: hidden; background: var(--ink); color: var(--cream); }
.hero-media {
  position: absolute; inset: 0; z-index: 0;
}
.hero-media img {
  width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.hero-media::after {
  content: ''; position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(10,31,61,0.55) 0%, rgba(10,31,61,0.40) 40%, rgba(10,31,61,0.92) 100%),
    linear-gradient(90deg, rgba(10,31,61,0.85) 0%, rgba(10,31,61,0.10) 60%);
}
.hero-inner {
  position: relative; z-index: 2;
  padding: clamp(80px, 14vw, 180px) 0 clamp(60px, 10vw, 140px);
  min-height: 88vh;
  display: flex; flex-direction: column; justify-content: flex-end;
}
.hero-grid {
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 80px; align-items: end;
}
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }

.hero-headline { max-width: 14ch; }
.hero-sub {
  margin-top: 28px; max-width: 48ch;
  color: rgba(245, 241, 232, 0.78);
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(18px, 1.5vw, 22px); line-height: 1.45;
}
.hero-cta { display: flex; gap: 14px; margin-top: 40px; flex-wrap: wrap; }

.hero-meta {
  display: flex; flex-direction: column; gap: 28px;
  padding-bottom: 6px;
}
.hero-stat { display: flex; flex-direction: column; gap: 4px; }
.hero-stat .num {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(40px, 4.5vw, 64px); line-height: 0.95; color: var(--gold);
  font-feature-settings: "lnum";
}
.hero-stat .num sup { font-size: 0.45em; vertical-align: top; margin-left: 4px; opacity: 0.8; }
.hero-stat .lbl { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(245,241,232,0.7); }

.hero-floating {
  position: absolute; left: var(--gutter); top: clamp(80px, 14vw, 180px);
  z-index: 3;
}
.hero-values {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.hero-values-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
}
.hero-value {
  padding: 28px 24px; border-right: 1px solid var(--line);
  display: flex; flex-direction: column; gap: 8px;
}
.hero-value:last-child { border-right: 0; }
.hv-roman { font-family: var(--serif); font-style: italic; color: var(--gold); font-size: 13px; }
.hv-word { font-family: var(--serif); font-size: clamp(20px, 1.8vw, 26px); color: var(--ink); line-height: 1.05; }
.hv-copy { font-size: 12px; line-height: 1.6; color: var(--muted); margin: 0; }
@media (max-width: 780px) {
  .hero-values-grid { grid-template-columns: 1fr 1fr; }
  .hero-value:nth-child(2) { border-right: 0; }
  .hero-value:nth-child(1), .hero-value:nth-child(2) { border-bottom: 1px solid var(--line); }
  .hero-value { padding: 28px 24px; }
}

/* Hero variant: split */
.hero.split .hero-media { width: 50%; left: 50%; }
.hero.split .hero-media::after {
  background: linear-gradient(90deg, var(--ink) 0%, rgba(10,31,61,0.3) 60%, rgba(10,31,61,0.0) 100%);
}
.hero.split .hero-grid { grid-template-columns: 1fr; }
.hero.split .hero-headline { max-width: 12ch; }

/* Hero variant: editorial */
.hero.editorial .hero-media { opacity: 0.18; }
.hero.editorial .hero-media::after {
  background: linear-gradient(180deg, rgba(10,31,61,0.85), var(--ink));
}
.hero.editorial .hero-inner { min-height: 80vh; justify-content: center; text-align: left; }
.hero.editorial .hero-grid { grid-template-columns: 1fr; }
.hero.editorial .display { font-size: clamp(60px, 11vw, 180px); }

/* Hero variant: portrait (light, gallery, founder-led) */
.hero.portrait { background: var(--cream); color: var(--ink); }
.hero.portrait .hero-inner {
  min-height: 92vh;
  padding: clamp(80px, 12vw, 160px) 0 clamp(40px, 6vw, 80px);
  position: relative; z-index: 2;
}
.hero.portrait .portrait-grid {
  display: grid; grid-template-columns: 1.15fr 1fr;
  gap: clamp(40px, 6vw, 96px); align-items: end;
  min-height: 76vh;
}
@media (max-width: 980px) { .hero.portrait .portrait-grid { grid-template-columns: 1fr; } }
.hero.portrait .pt-copy {
  display: flex; flex-direction: column; gap: 28px;
  padding-bottom: clamp(20px, 4vw, 60px);
}
.hero.portrait .display { color: var(--ink); }
.hero.portrait .display em { color: var(--gold-2); }
.hero.portrait .hero-sub { color: var(--muted); }
.hero.portrait .pt-photo {
  position: relative;
  aspect-ratio: 4 / 5;
  align-self: end;
  background: var(--cream-2);
  overflow: hidden;
}
.hero.portrait .pt-photo img {
  width: 100%; height: 100%; object-fit: cover; object-position: center top;
}
.hero.portrait .pt-photo::before {
  content: ''; position: absolute; inset: -1px;
  border: 1px solid rgba(10,31,61,0.08);
  pointer-events: none;
}
.hero.portrait .pt-caption {
  position: absolute; left: 0; right: 0; bottom: 0;
  background: linear-gradient(180deg, transparent 0%, rgba(10,31,61,0.92) 100%);
  color: var(--cream);
  padding: 64px 28px 24px;
  display: flex; flex-direction: column; gap: 4px;
}
.hero.portrait .pt-caption .who {
  font-family: var(--serif); font-size: 22px; font-weight: 400;
}
.hero.portrait .pt-caption .role {
  font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-soft);
}
.hero.portrait .pt-corner {
  position: absolute; top: 16px; left: 16px;
  width: 28px; height: 28px;
  border-top: 1px solid var(--gold); border-left: 1px solid var(--gold);
}
.hero.portrait .pt-corner.br {
  top: auto; left: auto; bottom: 16px; right: 16px;
  border-top: 0; border-left: 0;
  border-bottom: 1px solid var(--gold); border-right: 1px solid var(--gold);
}
.hero.portrait .hero-values {
  border-top: 1px solid var(--line);
  margin-top: 64px;
}

/* ============================================================
   Loan products
   ============================================================ */
.products-grid {
  display: grid; grid-template-columns: repeat(12, 1fr); gap: 0;
  border-top: 1px solid var(--line);
}
.product {
  grid-column: span 4;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 36px 32px 32px;
  display: flex; flex-direction: column; gap: 20px;
  position: relative; cursor: pointer;
  transition: background 250ms ease;
  background: var(--paper);
  min-height: 320px;
}
.product:hover { background: var(--cream); }
.product:nth-child(3n) { border-right: 0; }
.product .num {
  font-family: var(--serif); font-style: italic; font-weight: 300;
  font-size: 14px; color: var(--gold-2);
  letter-spacing: 0.02em;
}
.product .name {
  font-family: var(--serif); font-weight: 400;
  font-size: 30px; line-height: 1.05; letter-spacing: -0.01em;
}
.product .desc { font-size: 14px; color: var(--muted); line-height: 1.55; max-width: 36ch; flex: 1; }
.product .icon {
  position: absolute; top: 32px; right: 32px;
  width: 48px; height: 48px;
  display: flex; align-items: center; justify-content: center;
  color: var(--ink); opacity: 0.85;
}
.product .arrow {
  font-size: 13px; font-weight: 600;
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--ink);
}
.product .arrow::after {
  content: '→'; transition: transform 200ms;
}
.product:hover .arrow::after { transform: translateX(4px); }

@media (max-width: 880px) {
  .product { grid-column: span 6; }
  .product:nth-child(3n) { border-right: 1px solid var(--line); }
  .product:nth-child(2n) { border-right: 0; }
}
@media (max-width: 580px) {
  .product { grid-column: span 12; border-right: 0 !important; }
}

/* ============================================================
   Calculator
   ============================================================ */
.calc-wrap { background: var(--ink); color: var(--cream); border-radius: 0; overflow: hidden; }
.calc-grid {
  display: grid; grid-template-columns: 1.05fr 1fr; min-height: 480px;
}
@media (max-width: 880px) { .calc-grid { grid-template-columns: 1fr; } }

.calc-left { padding: 56px 56px 56px; display: flex; flex-direction: column; gap: 32px; }
.calc-left .eyebrow { color: var(--gold-soft); }
.calc-field { display: flex; flex-direction: column; gap: 10px; }
.calc-field label { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-soft); }
.calc-field .control {
  display: flex; align-items: center; gap: 12px;
  border-bottom: 1px solid var(--line-dark);
  padding: 8px 0;
}
.calc-field input {
  background: transparent; border: 0; color: var(--cream);
  font-family: var(--serif); font-size: 32px; font-weight: 300;
  width: 100%; outline: none;
  font-variant-numeric: tabular-nums;
}
.calc-field .suffix { color: var(--gold-soft); font-size: 14px; }
.calc-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 2px; background: var(--line-dark); outline: none; }
.calc-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--gold); cursor: pointer; }
.calc-slider::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--gold); cursor: pointer; border: 0; }

.calc-chips { display: flex; gap: 8px; flex-wrap: wrap; }
.calc-chip {
  padding: 8px 14px; border: 1px solid var(--line-dark);
  border-radius: 999px; font-size: 12px; color: var(--cream);
  background: transparent; cursor: pointer; transition: all 150ms;
}
.calc-chip:hover { border-color: var(--gold-soft); color: var(--gold-soft); }
.calc-chip.active { background: var(--gold); color: var(--ink); border-color: var(--gold); }

.calc-right {
  background: linear-gradient(160deg, var(--ink-2) 0%, var(--ink) 100%);
  padding: 56px; display: flex; flex-direction: column; justify-content: space-between;
  border-left: 1px solid var(--line-dark);
}
.calc-result { display: flex; flex-direction: column; gap: 18px; }
.calc-result .label { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-soft); }
.calc-result .repay {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(56px, 8vw, 96px); line-height: 0.95; letter-spacing: -0.02em;
  color: var(--cream); font-variant-numeric: tabular-nums;
}
.calc-result .repay .cents { font-size: 0.4em; color: var(--gold-soft); margin-left: 4px; vertical-align: top; }
.calc-result .per { font-size: 13px; color: var(--gold-soft); letter-spacing: 0.06em; }
.calc-breakdown { display: flex; flex-direction: column; gap: 12px; padding-top: 24px; border-top: 1px solid var(--line-dark); }
.calc-breakdown .row { display: flex; justify-content: space-between; font-size: 13px; }
.calc-breakdown .row .k { color: rgba(245,241,232,0.7); }
.calc-breakdown .row .v { font-variant-numeric: tabular-nums; }

/* ============================================================
   4-step process
   ============================================================ */
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.step {
  padding: 48px 32px;
  border-right: 1px solid var(--line);
  display: flex; flex-direction: column; gap: 16px;
  position: relative;
}
.step:last-child { border-right: 0; }
.step .step-num {
  font-family: var(--serif); font-style: italic; font-weight: 300;
  font-size: 64px; line-height: 1; color: var(--gold);
}
.step .step-title { font-family: var(--serif); font-size: 22px; line-height: 1.15; }
.step .step-body { font-size: 14px; color: var(--muted); line-height: 1.55; }
@media (max-width: 880px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .step { border-bottom: 1px solid var(--line); }
  .step:nth-child(2) { border-right: 0; }
  .step:nth-last-child(-n+2) { border-bottom: 0; }
}

/* ============================================================
   Lender marquee
   ============================================================ */
.marquee {
  overflow: hidden; padding: 40px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
  mask-image: linear-gradient(90deg, transparent 0%, #000 8%, #000 92%, transparent 100%);
}
.marquee-track { display: flex; gap: 80px; align-items: center; animation: scroll 45s linear infinite; width: max-content; }
.marquee-item { display: inline-flex; align-items: center; gap: 20px; }
.marquee-item::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); opacity: 0.6; flex-shrink: 0; }
.lender-logo { height: 36px; width: auto; object-fit: contain; display: block; opacity: 0.82; }
@keyframes scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ============================================================
   Why us / pillars
   ============================================================ */
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid var(--line-dark); }
.pillar {
  padding: 48px 36px 56px;
  border-right: 1px solid var(--line-dark);
  display: flex; flex-direction: column; gap: 16px;
}
.pillar:last-child { border-right: 0; }
.pillar .label { font-family: var(--serif); font-style: italic; font-size: 14px; color: var(--gold); }
.pillar .word { font-family: var(--serif); font-size: clamp(28px, 3vw, 40px); font-weight: 300; line-height: 1; letter-spacing: -0.01em; }
.pillar .copy { font-size: 14px; line-height: 1.55; color: rgba(245,241,232,0.7); margin-top: 8px; }
@media (max-width: 880px) {
  .pillars { grid-template-columns: 1fr 1fr; }
  .pillar { border-bottom: 1px solid var(--line-dark); }
  .pillar:nth-child(2) { border-right: 0; }
  .pillar:nth-last-child(-n+2) { border-bottom: 0; }
}

/* ============================================================
   Editorial / feature blocks
   ============================================================ */
.feature {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.feature.flip { direction: rtl; }
.feature.flip > * { direction: ltr; }
.feature .feature-media { aspect-ratio: 5 / 6; overflow: hidden; }
.feature .feature-media img { width: 100%; height: 100%; object-fit: cover; }
.feature .feature-copy { max-width: 48ch; display: flex; flex-direction: column; gap: 24px; }
@media (max-width: 880px) { .feature { grid-template-columns: 1fr; gap: 40px; } .feature.flip { direction: ltr; } }

/* ============================================================
   Founder / Bespoke editorial block
   ============================================================ */
.bespoke-block {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  grid-template-rows: auto 1fr;
  gap: 0; align-items: stretch;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--paper);
}
@media (max-width: 880px) { .bespoke-block { grid-template-columns: 1fr; } }

.bespoke-block .bb-header {
  grid-column: 1 / -1;
  padding: clamp(40px, 6vw, 72px) clamp(28px, 4vw, 64px) clamp(28px, 4vw, 48px);
  border-bottom: 1px solid var(--line);
  display: flex; align-items: baseline; justify-content: space-between;
  gap: clamp(20px, 4vw, 64px); flex-wrap: wrap;
}
.bespoke-block .bb-word {
  font-family: var(--serif); font-weight: 200;
  font-size: clamp(80px, 14vw, 220px);
  line-height: 0.92; letter-spacing: -0.05em;
  font-style: italic;
  color: var(--ink);
  margin: 0;
  display: inline-flex; align-items: baseline; gap: 0;
}
.bespoke-block .bb-word .accent { color: var(--gold-2); font-style: normal; padding: 0 0.04em; }
.bespoke-block .bb-word .bb-adj {
  font-family: var(--sans); font-style: normal; font-weight: 500;
  font-size: 0.11em; vertical-align: baseline;
  color: var(--gold-2); margin-left: 0.4em; letter-spacing: 0.08em;
  text-transform: lowercase; align-self: flex-start; line-height: 1;
  position: relative; top: 0.4em;
}
.bespoke-block .bb-pron {
  font-family: var(--serif); font-style: italic; font-weight: 300;
  font-size: clamp(16px, 1.4vw, 22px);
  color: var(--muted); white-space: nowrap;
}

.bespoke-block .bb-media {
  position: relative;
  aspect-ratio: 4 / 5;
  max-height: 640px;
  overflow: hidden;
  background: var(--cream-2);
  border-right: 1px solid var(--line);
}
.bespoke-block .bb-media img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.bespoke-block .bb-media .bb-stamp {
  position: absolute; bottom: 20px; left: 20px;
  font-family: var(--serif); font-style: italic; font-weight: 300;
  color: var(--cream);
  font-size: 13px; letter-spacing: 0.02em;
  background: rgba(10, 31, 61, 0.78); backdrop-filter: blur(6px);
  padding: 8px 14px;
}
@media (max-width: 880px) { .bespoke-block .bb-media { border-right: 0; border-bottom: 1px solid var(--line); } }

.bespoke-block .bb-copy {
  padding: clamp(40px, 5vw, 64px) clamp(28px, 4vw, 56px);
  display: flex; flex-direction: column; justify-content: center;
  gap: 28px;
  min-width: 0;
}
.bespoke-block .bb-def {
  display: flex; flex-direction: column; gap: 12px;
}
.bespoke-block .bb-def .meaning {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(20px, 1.8vw, 28px); line-height: 1.35;
  color: var(--ink); max-width: 32ch; margin: 0;
}
.bespoke-block .bb-signature {
  display: flex; gap: 16px; align-items: center;
  padding-top: 24px; border-top: 1px solid var(--line);
}
.bespoke-block .bb-signature .sig-name {
  font-family: var(--serif); font-style: italic; font-size: 22px; color: var(--ink);
}
.bespoke-block .bb-signature .sig-role {
  font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted);
}
.bespoke-block .bb-signature .sig-name {
  font-family: var(--serif); font-style: italic; font-size: 22px; color: var(--ink);
}
.bespoke-block .bb-signature .sig-role {
  font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted);
}

/* ============================================================
   Footer
   ============================================================ */
.footer { background: var(--ink); color: var(--cream); padding: 80px 0 32px; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 48px;
  padding-bottom: 56px; border-bottom: 1px solid var(--line-dark);
}
.footer h5 { font-family: var(--sans); font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-soft); margin: 0 0 18px; font-weight: 600; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; opacity: 0.75; }
.footer-links a:hover { opacity: 1; color: var(--gold-soft); }
.footer-meta {
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  margin-top: 40px; padding-top: 24px; border-top: 1px solid rgba(245,241,232,0.12);
  font-size: 12px; letter-spacing: 0.02em; color: rgba(245,241,232,0.5);
}
.footer-meta .credit { font-family: var(--sans); font-style: normal; color: rgba(245,241,232,0.5); }
.footer-meta .credit a {
  color: rgba(245,241,232,0.72); text-decoration: none;
  border-bottom: 1px solid rgba(200,166,90,0.35); padding-bottom: 1px;
  transition: color 0.2s ease, border-color 0.2s ease;
}
.footer-meta .credit a:hover { color: var(--gold-soft); border-color: var(--gold); }
.footer-tagline {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(40px, 6vw, 88px); line-height: 0.95; letter-spacing: -0.02em;
  margin: 0 0 56px; max-width: 18ch;
}
.footer-tagline em { color: var(--gold); font-style: italic; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }

/* ============================================================
   Page-specific (Services / About / Apply)
   ============================================================ */

/* Services index */
.services-list {
  border-top: 1px solid var(--line);
}
.service-row {
  display: grid; grid-template-columns: 80px 1fr 2fr 100px;
  align-items: center; gap: 40px;
  padding: 32px 0;
  border-bottom: 1px solid var(--line);
  cursor: pointer; transition: padding 200ms;
}
.service-row:hover { padding-left: 12px; }
.service-row:hover .svc-name { color: var(--gold-2); }
.service-row .svc-num {
  font-family: var(--serif); font-style: italic; font-weight: 300;
  font-size: 28px; color: var(--gold-2);
}
.service-row .svc-name {
  font-family: var(--serif); font-size: clamp(28px, 3vw, 44px); font-weight: 300; line-height: 1; letter-spacing: -0.01em;
  transition: color 200ms;
}
.service-row .svc-desc { font-size: 14px; color: var(--muted); line-height: 1.55; }
.service-row .svc-arrow { text-align: right; font-size: 24px; color: var(--ink); }
@media (max-width: 780px) {
  .service-row { grid-template-columns: 50px 1fr; gap: 16px; }
  .service-row .svc-desc, .service-row .svc-arrow { display: none; }
}

/* About */
.team-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px;
}
.team-card {
  display: flex; flex-direction: column; gap: 16px;
}
.team-card .photo {
  aspect-ratio: 4 / 5; background: var(--cream-2);
  overflow: hidden; position: relative;
}
.team-card .photo img { width: 100%; height: 100%; object-fit: cover; filter: saturate(0.92); }
.team-card .photo .tag {
  position: absolute; top: 16px; left: 16px;
  font-size: 10px; letter-spacing: 0.14em; text-transform: uppercase;
  background: var(--ink); color: var(--gold-soft);
  padding: 6px 10px;
}
.team-card .name { font-family: var(--serif); font-size: 24px; }
.team-card .role { font-size: 13px; color: var(--muted); letter-spacing: 0.04em; }
.team-card-link { cursor: pointer; }
.team-card-link:hover .photo img { transform: scale(1.03); }
.team-card .photo img { transition: transform 0.4s ease; }
.team-card-cta {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(transparent, rgba(10,31,61,0.85));
  color: var(--gold-soft); font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 32px 16px 14px; opacity: 0; transition: opacity 0.3s;
}
.team-card-link:hover .team-card-cta { opacity: 1; }
.team-card-contact {
  display: flex; flex-direction: column; gap: 6px; margin-top: 4px;
}
.team-card-contact a { font-size: 12px; color: var(--muted); text-decoration: underline; text-underline-offset: 3px; }
.team-card-contact a:hover { color: var(--ink); }
.team-card-socials { display: flex; gap: 10px; }
.team-card-socials a { color: var(--muted); }
.team-card-socials a:hover { color: var(--ink); }
@media (max-width: 1100px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 880px) { .team-grid { grid-template-columns: 1fr 1fr; } }

/* =============================================================
   Partners — tabbed section
   ============================================================= */
.partners-header {
  display: flex; justify-content: space-between; align-items: flex-end;
  flex-wrap: wrap; gap: 24px; margin-bottom: 48px;
}
.partners-tabs {
  display: flex; gap: 0; border: 1px solid var(--line); border-radius: 2px; overflow: hidden;
}
.ptab {
  background: none; border: none; padding: 10px 22px;
  font-family: var(--sans); font-size: 13px; letter-spacing: 0.04em;
  color: var(--muted); cursor: pointer; border-right: 1px solid var(--line);
  transition: background 0.18s, color 0.18s;
}
.ptab:last-child { border-right: none; }
.ptab:hover { background: var(--cream-2); color: var(--ink); }
.ptab.active { background: var(--ink); color: var(--gold-soft); }

/* Our partners tab */
.partner-feature {
  display: grid; grid-template-columns: 280px 1fr; gap: 56px; align-items: start;
}
.partner-photo-wrap { position: relative; }
.partner-photo {
  width: 100%; aspect-ratio: 3 / 4; object-fit: cover; object-position: center top;
  filter: saturate(0.9); display: block;
}
.partner-photo-caption {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(transparent, rgba(10,31,61,0.82));
  padding: 36px 16px 16px;
  display: flex; flex-direction: column; gap: 3px;
}
.partner-name { font-family: var(--serif); font-size: 20px; color: var(--cream); }
.partner-title { font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-soft); }
.partner-logo { height: 38px; width: auto; object-fit: contain; margin-bottom: 24px; }
.partner-quote {
  font-family: var(--serif); font-size: 18px; font-weight: 300; font-style: italic;
  line-height: 1.7; color: var(--ink); border-left: 3px solid var(--gold);
  padding-left: 20px; margin: 0 0 20px;
}
.partner-bio { font-size: 14px; line-height: 1.7; color: var(--muted); max-width: 54ch; margin-bottom: 20px; }
@media (max-width: 900px) {
  .partner-feature { grid-template-columns: 1fr; gap: 32px; }
  .partner-photo-wrap { max-width: 260px; }
}

/* Work with us tab */
.bp-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start;
}
.bp-point {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: 13px; color: var(--muted); line-height: 1.55;
}
.bp-dot {
  width: 5px; height: 5px; border-radius: 50%; background: var(--gold);
  flex-shrink: 0; margin-top: 6px;
}
.bp-form-wrap {
  background: var(--bone); border: 1px solid var(--line); padding: 32px 28px;
}
.bp-form { display: flex; flex-direction: column; gap: 16px; }
.bp-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.bp-field { display: flex; flex-direction: column; gap: 6px; }
.bp-field label { font-size: 10px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); }
.bp-field input, .bp-field textarea {
  background: var(--paper); border: 1px solid var(--line);
  color: var(--ink); font-family: var(--sans); font-size: 14px; padding: 10px 12px;
  border-radius: 2px; outline: none; resize: vertical;
}
.bp-field input:focus, .bp-field textarea:focus { border-color: var(--gold); }
.bp-thankyou { padding: 24px 0; display: flex; flex-direction: column; }
@media (max-width: 900px) {
  .bp-grid { grid-template-columns: 1fr; gap: 36px; }
  .bp-row { grid-template-columns: 1fr; }
}

/* =============================================================
   Broker profile page
   ============================================================= */
.broker-hero { padding: clamp(60px, 8vw, 100px) 0 clamp(80px, 10vw, 140px); }
.broker-back {
  background: none; border: none; color: var(--gold-soft); font-size: 13px;
  letter-spacing: 0.08em; text-transform: uppercase; cursor: pointer;
  padding: 0; margin-bottom: 48px; display: block; opacity: 0.7;
}
.broker-back:hover { opacity: 1; }
.broker-profile-grid {
  display: grid; grid-template-columns: 360px 1fr; gap: 72px; align-items: start;
}
.broker-photo {
  aspect-ratio: 4 / 5; overflow: hidden; position: relative;
}
.broker-photo img { width: 100%; height: 100%; object-fit: cover; filter: saturate(0.9); }
.broker-role-label {
  font-size: 14px; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold-soft); margin-top: 8px; margin-bottom: 32px;
}
.broker-contact-row { display: flex; gap: 24px; flex-wrap: wrap; margin-bottom: 20px; }
.broker-email-link, .broker-phone-link {
  font-size: 15px; color: var(--cream); text-decoration: underline;
  text-underline-offset: 3px; opacity: 0.8;
}
.broker-email-link:hover, .broker-phone-link:hover { opacity: 1; color: var(--gold-soft); }
.broker-socials { display: flex; gap: 16px; margin-bottom: 32px; color: var(--gold-soft); }
.broker-socials a { color: var(--gold-soft); opacity: 0.75; }
.broker-socials a:hover { opacity: 1; }
.broker-bio {
  font-family: var(--serif); font-size: 18px; font-weight: 300; line-height: 1.75;
  color: rgba(245,241,232,0.82); max-width: 54ch; margin-bottom: 28px;
}
.broker-specialties { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 8px; }
.specialty-tag {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  border: 1px solid rgba(200,166,90,0.4); color: var(--gold-soft);
  padding: 6px 14px;
}
@media (max-width: 900px) {
  .broker-profile-grid { grid-template-columns: 1fr; gap: 40px; }
  .broker-photo { max-width: 320px; }
}

.values-list {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.value {
  padding: 40px 28px;
  border-right: 1px solid var(--line);
  display: flex; flex-direction: column; gap: 12px;
}
.value:last-child { border-right: 0; }
.value .roman { font-family: var(--serif); font-style: italic; font-size: 14px; color: var(--gold-2); }
.value .word { font-family: var(--serif); font-size: 36px; font-weight: 300; line-height: 1; }
.value .desc { font-size: 13px; color: var(--muted); line-height: 1.5; }
@media (max-width: 880px) {
  .values-list { grid-template-columns: 1fr 1fr; }
  .value { border-bottom: 1px solid var(--line); }
  .value:nth-child(2) { border-right: 0; }
  .value:nth-last-child(-n+2) { border-bottom: 0; }
}

/* Apply page (multi-step form) */
.apply-shell {
  display: grid; grid-template-columns: 1fr 1.6fr;
  min-height: 100vh; background: var(--paper);
}
@media (max-width: 980px) { .apply-shell { grid-template-columns: 1fr; } }

.apply-rail {
  background: var(--ink); color: var(--cream);
  padding: 56px 48px; position: sticky; top: 0; height: 100vh;
  display: flex; flex-direction: column;
  overflow: hidden;
}
@media (max-width: 980px) { .apply-rail { position: static; height: auto; padding: 40px 32px; } }
.apply-rail .rail-top { display: flex; flex-direction: column; gap: 32px; }
.apply-rail h2 { margin-top: 24px; }
.apply-steps-list { display: flex; flex-direction: column; gap: 4px; margin-top: 40px; }
.apply-step-item {
  display: grid; grid-template-columns: 28px 1fr; gap: 16px;
  padding: 16px 0; align-items: center;
  border-bottom: 1px solid var(--line-dark);
  opacity: 0.5; transition: opacity 200ms;
}
.apply-step-item.active { opacity: 1; }
.apply-step-item.done { opacity: 0.85; }
.apply-step-item .dot {
  width: 24px; height: 24px; border-radius: 50%;
  border: 1px solid var(--line-dark);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-family: var(--serif); font-style: italic;
}
.apply-step-item.active .dot { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.apply-step-item.done .dot { background: var(--cream); border-color: var(--cream); color: var(--ink); }
.apply-step-item .name { font-family: var(--serif); font-size: 18px; }

.apply-body { padding: 80px 64px; max-width: 720px; }
@media (max-width: 780px) { .apply-body { padding: 48px 28px; } }
.apply-body h1 { margin-bottom: 12px; }

.field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.field label { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.field input, .field select, .field textarea {
  border: 0; border-bottom: 1px solid var(--ink);
  background: transparent; padding: 12px 0;
  font-family: var(--serif); font-size: 22px; font-weight: 300;
  color: var(--ink); outline: none;
  width: 100%;
}
.field input::placeholder { color: var(--muted); opacity: 0.5; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }

.loan-picker {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0;
  border-top: 1px solid var(--line); border-left: 1px solid var(--line);
}
.loan-picker .item {
  border-right: 1px solid var(--line); border-bottom: 1px solid var(--line);
  padding: 24px 20px;
  cursor: pointer; transition: background 150ms;
  display: flex; flex-direction: column; gap: 8px;
  min-height: 120px;
}
.loan-picker .item:hover { background: var(--cream); }
.loan-picker .item.selected { background: var(--ink); color: var(--cream); }
.loan-picker .item.selected .roman { color: var(--gold); }
.loan-picker .item .roman { font-family: var(--serif); font-style: italic; font-size: 13px; color: var(--gold-2); }
.loan-picker .item .name { font-family: var(--serif); font-size: 22px; line-height: 1.05; }

@media (max-width: 780px) { .loan-picker { grid-template-columns: 1fr 1fr; } }

.apply-actions { display: flex; justify-content: space-between; margin-top: 48px; padding-top: 32px; border-top: 1px solid var(--line); }

/* ============================================================
   Page header (inner pages)
   ============================================================ */
.page-head {
  background-color: var(--ink); color: var(--cream);
  padding: clamp(100px, 14vw, 180px) 0 clamp(60px, 8vw, 100px);
  position: relative; overflow: hidden;
}
/* Hero image blended into the navy */
.page-head::before {
  content: ""; position: absolute; inset: 0; z-index: 0;
  background: var(--head-img, url('https://images.unsplash.com/photo-1756805115188-d72c077932fb?w=2000&q=80&auto=format&fit=crop')) center / cover no-repeat;
  opacity: 0.6; mix-blend-mode: luminosity;
}
/* Navy gradient over the image — darker on the text side for legibility */
.page-head::after {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(95deg, var(--ink) 28%, rgba(10, 31, 61, 0.82) 56%, rgba(10, 31, 61, 0.42) 100%),
    linear-gradient(0deg, var(--ink) 2%, rgba(10, 31, 61, 0) 42%);
}
.page-head .container { position: relative; z-index: 2; }
.page-head .eyebrow { color: var(--gold-soft); }
.page-head h1 { margin-top: 16px; max-width: 16ch; }
.page-head .head-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 64px; align-items: end; }
.page-head .head-meta { font-family: var(--serif); font-size: 18px; line-height: 1.5; color: rgba(245,241,232,0.78); max-width: 36ch; }
@media (max-width: 880px) { .page-head .head-grid { grid-template-columns: 1fr; gap: 32px; } }

/* ============================================================
   Misc utility
   ============================================================ */
.icon-svg { width: 100%; height: 100%; }
.tabular { font-variant-numeric: tabular-nums; }
.notch { width: 32px; height: 1px; background: var(--gold); display: block; }
.notch.lg { width: 64px; }

.fade-in { animation: fadeIn 600ms ease both; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* ============================================================
   Mobile pass (≤ 880px and ≤ 560px)
   ============================================================ */
@media (max-width: 980px) {
  .nav-links-desktop { display: none; }
  .nav-phone-desktop { display: none; }
  .nav-burger { display: flex; }
  .nav-cta { gap: 8px; }
}

@media (max-width: 560px) {
  :root { --gutter: 20px; }
  .section { padding: 64px 0; }
  .section.tight { padding: 48px 0; }

  /* Buttons sized for thumbs */
  .btn { padding: 14px 20px; }
  .nav-cta-btn { padding: 11px 16px; font-size: 12px; }
  .nav-cta-text-long { display: none; }
  .nav-cta-text-short { display: inline; }
  .nav-inner { padding: 14px 0; gap: 10px; }
  .nav-logo { font-size: 14px; }

  /* Hero portrait */
  .hero.portrait .hero-inner { padding: 56px 0 32px; min-height: 0; }
  .hero.portrait .portrait-grid { min-height: 0; gap: 32px; }
  .hero.portrait .display { font-size: 56px; line-height: 0.92; }
  .hero.portrait .pt-photo { aspect-ratio: 4 / 5; max-width: 100%; }
  .hero.portrait .hero-values { margin-top: 32px; }

  /* Hero default cinematic */
  .hero-inner { min-height: 0; padding: 80px 0 60px; }
  .hero-grid { gap: 32px; }
  .display { font-size: 52px !important; line-height: 0.95 !important; }
  .hero-sub { font-size: 17px; }
  .hero-cta { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-cta .btn { justify-content: center; }
  .hero-meta { gap: 18px; }
  .hero-stat .num { font-size: 40px; }

  /* Hero values strip — mobile handled inline in .hero-values media query */

  /* Section headings */
  .h1 { font-size: 38px !important; line-height: 1.05 !important; }
  .h2 { font-size: 30px !important; }
  .lede { font-size: 18px !important; }

  /* Products */
  .product { padding: 28px 24px 28px; min-height: 0; }
  .product .name { font-size: 26px; }
  .product .icon { top: 24px; right: 24px; }

  /* Calculator */
  .calc-grid { grid-template-columns: 1fr; min-height: 0; }
  .calc-left { padding: 32px 24px; gap: 24px; }
  .calc-right { padding: 32px 24px; border-left: 0; border-top: 1px solid var(--line-dark); }
  .calc-field input { font-size: 26px; }
  .calc-result .repay { font-size: 56px; }
  .calc-chips { gap: 6px; }
  .calc-chip { padding: 7px 11px; font-size: 11px; }

  /* Process */
  .steps { grid-template-columns: 1fr; }
  .step { padding: 32px 24px; border-right: 0; border-bottom: 1px solid var(--line); }
  .step:last-child { border-bottom: 0; }
  .step .step-num { font-size: 52px; }
  .step .step-title { font-size: 20px; }

  /* Lenders */
  .marquee { padding: 24px 0; }
  .lender-logo { height: 28px; }

  /* Pillars */
  .pillars { grid-template-columns: 1fr; }
  .pillar { padding: 32px 24px; border-right: 0; border-bottom: 1px solid var(--line-dark); }
  .pillar:last-child { border-bottom: 0; }
  .pillar .word { font-size: 28px; }

  /* Bespoke block */
  .bespoke-block .bb-header {
    padding: 32px 24px 24px;
    flex-direction: column; align-items: flex-start; gap: 8px;
  }
  .bespoke-block .bb-word { font-size: 76px; line-height: 0.95; }
  .bespoke-block .bb-pron { font-size: 14px; }
  .bespoke-block .bb-media { aspect-ratio: 4 / 5; max-height: 540px; }
  .bespoke-block .bb-copy { padding: 32px 24px; gap: 20px; }
  .bespoke-block .bb-def .meaning { font-size: 20px; }
  .bespoke-block .bb-signature { flex-direction: column; align-items: flex-start; gap: 16px; }
  .bespoke-block .bb-signature .btn.link { margin-left: 0 !important; }

  /* Feature blocks */
  .feature { gap: 28px; }
  .feature .feature-media { aspect-ratio: 4 / 5; }

  /* Services list */
  .service-row { grid-template-columns: 40px 1fr; gap: 12px; padding: 24px 0; }
  .service-row .svc-name { font-size: 26px; }
  .service-row .svc-num { font-size: 22px; }

  /* Values list (About) */
  .values-list { grid-template-columns: 1fr; }
  .value { border-right: 0; border-bottom: 1px solid var(--line); padding: 32px 24px; }
  .value:last-child { border-bottom: 0; }
  .value .word { font-size: 32px; }

  /* Team */
  .team-grid { grid-template-columns: 1fr; gap: 24px; }
  .team-card .photo { aspect-ratio: 3 / 4; max-height: 460px; }

  /* Page head */
  .page-head { padding: 80px 0 56px; }
  .page-head .head-grid { gap: 24px; }

  /* CTA section "Let's talk" */
  .section.cream .display, .footer-tagline { font-size: 44px !important; line-height: 1 !important; }

  /* Footer */
  .footer { padding: 56px 0 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; padding-bottom: 36px; }
  .footer-meta { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer h5 { margin-bottom: 12px; }

  /* Apply page */
  .apply-shell { grid-template-columns: 1fr; min-height: 0; }
  .apply-rail {
    position: static; height: auto; padding: 28px 24px;
    overflow: visible;
  }
  .apply-rail .rail-top { gap: 16px; }
  .apply-rail h2 { font-size: 26px !important; margin-top: 12px; }
  .apply-steps-list { margin-top: 20px; gap: 0; }
  .apply-step-item { padding: 12px 0; }
  .apply-step-item .name { font-size: 16px; }
  .apply-rail > div:last-child { margin-top: 24px !important; }

  .apply-body { padding: 32px 24px; }
  .apply-body h1 { font-size: 32px !important; }
  .field input, .field select, .field textarea { font-size: 18px; padding: 10px 0; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .loan-picker { grid-template-columns: 1fr 1fr; }
  .loan-picker .item { padding: 18px 14px; min-height: 96px; }
  .loan-picker .item .name { font-size: 18px; }
  .apply-actions { flex-direction: column-reverse; gap: 12px; margin-top: 32px; padding-top: 24px; }
  .apply-actions .btn { width: 100%; justify-content: center; }
  .apply-actions .btn.link { width: auto; align-self: flex-start; }

  /* Numbers strip / About */
  .h1 ~ .body { font-size: 15px; }

  /* About bespoke headline */
  .display { font-size: 56px !important; }

  /* Misc helpers */
  .row-between { gap: 20px; }
}

@media (max-width: 380px) {
  .display { font-size: 44px !important; }
  .hero.portrait .display { font-size: 48px; }
  .bespoke-block .bb-word { font-size: 64px; }
  .h1 { font-size: 32px !important; }
  .h2 { font-size: 26px !important; }
  .footer-tagline { font-size: 38px !important; }
  .nav-cta-btn { padding: 10px 12px; }
  .nav-burger { width: 36px; height: 36px; }
}

/* ============================================================
   Responsive inline grid helpers
   ============================================================ */
.grid-2 {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.grid-2 > * { padding: 48px 40px; }
.grid-2 > *:nth-child(odd) { border-right: 1px solid var(--line); }
.grid-2 > *:nth-child(n+3) { border-top: 1px solid var(--line); }
@media (max-width: 880px) {
  .grid-2 { grid-template-columns: 1fr; }
  .grid-2 > * { padding: 32px 24px; border-right: 0 !important; border-top: 1px solid var(--line); }
  .grid-2 > *:first-child { border-top: 0; }
}

.grid-stats-4 {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  border-top: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark);
}
.grid-stats-4 > * {
  padding: 48px 32px;
  border-right: 1px solid var(--line-dark);
  display: flex; flex-direction: column; gap: 8px;
}
.grid-stats-4 > *:last-child { border-right: 0; }
@media (max-width: 780px) {
  .grid-stats-4 { grid-template-columns: 1fr 1fr; }
  .grid-stats-4 > *:nth-child(2) { border-right: 0; }
  .grid-stats-4 > *:nth-child(-n+2) { border-bottom: 1px solid var(--line-dark); }
}
@media (max-width: 480px) {
  .grid-stats-4 { grid-template-columns: 1fr; }
  .grid-stats-4 > * { padding: 28px 24px; border-right: 0; border-bottom: 1px solid var(--line-dark); }
  .grid-stats-4 > *:last-child { border-bottom: 0; }
}

.grid-summary {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
  border: 1px solid var(--line);
}
.grid-summary > * { padding: 28px; }
.grid-summary > *:first-child { border-right: 1px solid var(--line); }
@media (max-width: 560px) {
  .grid-summary { grid-template-columns: 1fr; }
  .grid-summary > *:first-child { border-right: 0; border-bottom: 1px solid var(--line); }
}

/* =============================================================
   Production additions — brand logo, socials, accreditations
   ============================================================= */
.brand-logo { height: 38px; width: auto; display: block; }

/* Footer social icon row */
.footer-social { display: flex; gap: 12px; margin-top: 18px; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid rgba(245, 241, 232, 0.22);
  color: rgba(245, 241, 232, 0.78); transition: all 0.2s ease;
}
.footer-social a:hover {
  color: var(--ink); background: var(--gold); border-color: var(--gold);
  transform: translateY(-2px);
}

/* Compliance disclaimer */
.footer-disclaimer {
  margin-top: 32px;
  max-width: none; font-size: 12px; line-height: 1.7;
  color: rgba(245, 241, 232, 0.5);
  font-family: var(--sans, 'Manrope', system-ui, sans-serif);
}

/* Accreditation badges (placeholders) */
.accred-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
}
.accred-badge {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 6px; padding: 28px 18px; text-align: center;
  border: 1px solid var(--line); border-radius: 4px;
  background: var(--bone);
  min-width: 0;
}
.accred-label {
  font-family: var(--serif, 'Newsreader', serif); font-weight: 400;
  font-size: 22px; color: var(--ink); letter-spacing: 0.01em;
}
.accred-sub {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--muted);
}
.accred-logo { height: 60px; width: auto; max-width: min(160px, 100%); object-fit: contain; display: block; }
.accred-rotator { height: 60px; width: 100%; max-width: 160px; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.accred-rotator-logo {
  height: 60px; max-height: 100%; width: auto; max-width: 100%; object-fit: contain; display: block;
  animation: fadeIn 480ms ease;
}
@media (max-width: 720px) {
  .accred-row { grid-template-columns: repeat(2, 1fr); }
}

/* =============================================================
   Google reviews banner (between lender strip & accreditations)
   ============================================================= */
.gr-banner { padding: 40px 0; border-top: 1px solid var(--line); }
.gr-strip {
  display: flex; align-items: center; justify-content: space-between;
  gap: 28px; flex-wrap: wrap;
  background: var(--bone); border: 1px solid var(--line); border-radius: 10px;
  padding: 22px 28px;
}
.gr-brand { display: flex; align-items: center; gap: 16px; }
.gr-glogo {
  display: inline-flex; align-items: center; justify-content: center;
  width: 54px; height: 54px; border-radius: 50%;
  background: #fff; border: 1px solid var(--line); flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(10,31,61,0.06);
}
.gr-brand-text { display: flex; flex-direction: column; gap: 6px; }
.gr-title { font-family: var(--serif); font-weight: 400; font-size: 24px; line-height: 1; color: var(--ink); }
.gr-lede { flex: 1; min-width: 200px; max-width: 42ch; font-size: 14px; line-height: 1.6; color: var(--muted); margin: 0; }
.gr-cta { flex-shrink: 0; }
@media (max-width: 760px) {
  .gr-strip { flex-direction: column; align-items: flex-start; gap: 18px; padding: 22px; }
  .gr-lede { max-width: none; }
  .gr-cta { width: 100%; justify-content: center; }
}

/* =============================================================
   Floating contact button — single FAB that expands on tap
   ============================================================= */
.fab-stack {
  position: fixed; right: 20px; bottom: 20px; z-index: 1000;
  display: flex; flex-direction: column; gap: 12px; align-items: flex-end;
  pointer-events: none; /* wrapper ignores clicks; only the buttons catch them */
}
.fab-toggle { pointer-events: auto; }
.fab {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%; border: 0; cursor: pointer; color: #fff;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.24);
  transition: transform 0.18s ease, box-shadow 0.18s ease, opacity 0.22s ease;
  -webkit-tap-highlight-color: transparent;
}
.fab svg { display: block; }

/* Main toggle button (the only thing visible when collapsed) */
.fab-toggle {
  width: 56px; height: 56px; background: var(--ink); color: var(--cream); order: 2;
}
.fab-toggle:hover { transform: scale(1.05); box-shadow: 0 10px 28px rgba(0, 0, 0, 0.32); }
.fab-toggle.is-open { background: var(--gold); color: var(--ink); }
.fab-close { font-size: 20px; line-height: 1; }

/* Sub-actions: hidden until open */
.fab-action {
  width: 50px; height: 50px; order: 1;
  opacity: 0; visibility: hidden; pointer-events: none;
  transform: translateY(14px) scale(0.6); transform-origin: center;
}
.fab-stack.open .fab-action {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateY(0) scale(1);
}
.fab-stack.open .fab-chat     { transition-delay: 0.04s; }
.fab-stack.open .fab-call     { transition-delay: 0.08s; }
.fab-stack.open .fab-whatsapp { transition-delay: 0.12s; }
.fab-action:hover { transform: translateY(-2px) scale(1.06); }

.fab-whatsapp { background: #25D366; }
.fab-call { background: var(--gold); color: var(--ink); }
.fab-chat { background: #0866FF; color: #fff; }

/* Hover label that slides out to the left */
.fab-tip {
  position: absolute; right: calc(100% + 12px); top: 50%; transform: translateY(-50%) translateX(6px);
  background: var(--ink); color: var(--cream); white-space: nowrap;
  font-family: var(--sans, 'Manrope', system-ui, sans-serif);
  font-size: 12px; font-weight: 600; letter-spacing: 0.04em;
  padding: 7px 12px; border-radius: 8px; pointer-events: none;
  opacity: 0; transition: opacity 0.18s ease;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25);
}
.fab-action:hover .fab-tip { opacity: 1; }

@media (max-width: 600px) {
  .fab-stack { right: 14px; bottom: 14px; }
  .fab-toggle { width: 52px; height: 52px; }
  .fab-action { width: 46px; height: 46px; }
  .fab-tip { display: none; }
}

/* =============================================================
   Application confirmation, credit repair & partner additions
   ============================================================= */

/* ---- Application confirmation panels ---- */
.apply-done { max-width: 660px; }
.apply-panel { border: 1px solid var(--line); border-radius: 6px; background: var(--paper); padding: 28px 28px 30px; margin-bottom: 24px; }
.apply-panel-title { font-family: var(--serif); font-size: 26px; line-height: 1.15; margin: 10px 0 12px; color: var(--ink); }
.apply-panel-lede { font-size: 15px; line-height: 1.65; color: var(--muted); max-width: 54ch; margin-bottom: 20px; }
.apply-panel-sub { font-size: 13px; letter-spacing: 0.02em; color: var(--ink); font-weight: 600; margin: 4px 0 12px; }
.apply-panel-note { font-size: 13px; line-height: 1.6; color: var(--muted); background: var(--cream-2); border-left: 3px solid var(--gold); padding: 12px 16px; border-radius: 0 4px 4px 0; }
.apply-ref-callout { display: flex; flex-direction: column; gap: 5px; border: 1px dashed var(--gold-2); border-radius: 6px; padding: 16px 18px; margin-bottom: 22px; background: var(--bone); }
.apply-ref-callout strong { font-family: var(--serif); font-size: 30px; letter-spacing: 0.04em; color: var(--ink); }
.apply-ref-hint { font-size: 12px; color: var(--muted); }
.apply-checklist { list-style: none; margin: 0 0 18px; padding: 0; display: grid; gap: 10px; }
.apply-checklist li { position: relative; padding-left: 24px; font-size: 14.5px; line-height: 1.5; color: var(--ink); }
.apply-checklist li::before { content: ""; position: absolute; left: 3px; top: 8px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.apply-timeline { list-style: none; margin: 0 0 20px; padding: 0; }
.apply-timeline li { display: grid; grid-template-columns: 40px 1fr; align-items: center; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 15px; line-height: 1.45; color: var(--ink); }
.apply-timeline li:last-child { border-bottom: 0; }
.apply-timeline-num { width: 34px; height: 34px; border-radius: 50%; border: 1px solid var(--gold); color: var(--gold-2); display: inline-flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 16px; }
.apply-contact-rows { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); border-radius: 6px; overflow: hidden; }
.apply-contact-row { display: flex; flex-direction: column; gap: 6px; padding: 20px 22px; }
.apply-contact-row + .apply-contact-row { border-left: 1px solid var(--line); }
.apply-contact-row strong { font-family: var(--serif); font-size: 19px; color: var(--ink); word-break: break-word; }
.apply-contact-row:hover strong { color: var(--gold-2); }
@media (max-width: 560px) {
  .apply-contact-rows { grid-template-columns: 1fr; }
  .apply-contact-row + .apply-contact-row { border-left: 0; border-top: 1px solid var(--line); }
}

/* ---- Consent checkbox (shared by all forms) ---- */
.apply-consent { display: flex; gap: 12px; align-items: flex-start; margin: 20px 0 4px; font-size: 13px; line-height: 1.55; color: var(--muted); cursor: pointer; }
.apply-consent input { margin-top: 2px; width: 16px; height: 16px; accent-color: var(--gold-2); flex-shrink: 0; }
.apply-consent a { color: var(--gold-2); }

/* ---- Credit repair pages ---- */
.cr-narrow { max-width: 880px; }
.cr-issue-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 40px; }
.cr-issue-grid li { display: flex; gap: 12px; align-items: baseline; font-size: 16px; color: var(--ink); line-height: 1.5; }
@media (max-width: 680px) { .cr-issue-grid { grid-template-columns: 1fr; } }
.cr-select { appearance: none; -webkit-appearance: none; width: 100%; padding: 12px 40px 12px 14px; border: 1px solid var(--line); border-radius: 4px; background-color: var(--bone); font: inherit; font-size: 15px; color: var(--ink); background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path fill='%23B8923F' d='M0 0h12L6 8z'/></svg>"); background-repeat: no-repeat; background-position: right 14px center; cursor: pointer; }
.cr-select:focus { outline: 2px solid var(--gold-2); outline-offset: 1px; border-color: var(--gold-2); }
.cr-divider { height: 1px; background: var(--line); margin: 28px 0 8px; }

/* ---- Partners page additions ---- */
.partners-intro { margin-bottom: 56px; max-width: 760px; }
.partner-feature + .partner-feature { margin-top: 72px; padding-top: 72px; border-top: 1px solid var(--line); }
.partner-heading { font-family: var(--serif); font-size: 30px; color: var(--ink); margin: 10px 0 16px; }
.partner-cta-row { display: flex; gap: 20px 24px; align-items: center; flex-wrap: wrap; margin-top: 4px; }
.partner-feature.flip { grid-template-columns: 1fr 280px; }
.partner-feature.flip .partner-photo-wrap { order: 2; }
@media (max-width: 900px) {
  .partner-feature.flip { grid-template-columns: 1fr; }
  .partner-feature.flip .partner-photo-wrap { order: 0; }
}
.partner-wordmark {
  width: 100%; aspect-ratio: 3 / 4; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 10px;
  background: var(--ink); border: 1px solid var(--ink-3);
}
.pw-name { font-family: var(--serif); font-size: 30px; color: var(--cream); text-align: center; padding: 0 14px; line-height: 1.1; }
.pw-sub { font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-soft); }
/* Debt Busters — official logo on a clean light panel */
.partner-logo-panel {
  width: 100%; aspect-ratio: 3 / 4; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 20px;
  background: var(--bone); border: 1px solid var(--line); padding: 24px;
}
.partner-brand-logo { width: 72%; max-width: 210px; height: auto; object-fit: contain; }
.partner-logo-panel .pw-sub { color: var(--muted); }

/* Regulatory disclosures — informational, not links */
.footer-reg span { font-size: 14px; opacity: 0.6; display: block; }

/* ---- Keyboard accessibility: visible focus + focus-triggered dropdowns ---- */
.nav-item:focus-within .nav-dropdown { opacity: 1; pointer-events: auto; transform: translateX(-50%) translateY(0); }
:focus-visible { outline: 2px solid var(--gold-2); outline-offset: 3px; border-radius: 3px; }
.nav-link:focus-visible, .nav-dropdown-item:focus-visible, .nav-drawer-link:focus-visible,
.nav-logo:focus-visible, .nav-cta-btn:focus-visible { outline: 2px solid var(--gold); outline-offset: 4px; }
.nav-dropdown-item:focus-visible { background: rgba(255,255,255,0.07); color: var(--cream); }
.footer-links a:focus-visible { outline: 2px solid var(--gold-soft); outline-offset: 3px; opacity: 1; }
.apply-consent input:focus-visible { outline: 2px solid var(--gold-2); outline-offset: 2px; }

/* Credit-repair hint on the loan picker */
.loan-picker .item-hint { display: block; margin-top: 8px; font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--gold-2); }

/* ---- Hidden staff page (/staff/debt-busters) ---- */
.staff-shell {
  min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  padding: 40px 20px;
  background: var(--paper);
}
.staff-gate-box {
  width: 100%; max-width: 480px;
  background: var(--bone); border: 1px solid var(--line);
  border-radius: 12px;
  padding: clamp(28px, 4vw, 44px);
}
.staff-form-box { max-width: 640px; }
.staff-gate-box .bp-form { gap: 18px; }
.staff-gate-box input[type="date"],
.staff-gate-box input[type="number"] { font-variant-numeric: tabular-nums; }