/* ============================================================
   Private Lending Platform — design system  (WARM-DARK, 2026)
   Tokens (primitive + semantic) → components. One source of truth.
   Warm charcoal canvas, cream text, brand green + soft glow. Zero blue-white.
   ============================================================ */
:root{
  color-scheme:dark;   /* native dropdowns, date pickers, scrollbars render dark */

  /* --- brand green (injected/overridable via brand.toml) --- */
  --green:#36b82a; --green-rgb:54,184,42; --green-d:#2ea024; --green-deep:#14382b; --green-deep-2:#0f2c20;
  --green-bright:#7dff6b; --green-soft:#8fe07f; --green-tint:rgba(var(--green-rgb),.14);

  /* --- warm-dark canvas (zero blue light) --- */
  --bg:#121309;          /* page canvas — warm near-black */
  --bg-2:#15160d;        /* alternating section band */
  --surface:#1a1c12;     /* cards, inputs, panels */
  --surface-2:#23261a;   /* elevated / hover / table stripe */
  --panel:#0f1008;       /* nav, topbar, page headers, table heads */
  --dark:#0f1008;        /* legacy alias (footer, dropdowns) */
  --white:#1a1c12;       /* legacy alias → now a surface, keeps old refs dark */

  /* --- warm text (cream, never blue-white). --ink also set by brand.toml --- */
  --ink:#ece7db;         /* primary text */
  --ink-2:#cdc8ba;       /* body copy / prose */
  --dim:#9d9884;         /* muted / captions */

  /* text on dark / green surfaces */
  --on-dark:#ece7db; --on-dark-dim:#c6c0b0; --on-dark-faint:#928d7c; --on-green:#dff5db;

  /* warm-dark hero blacks */
  --ink-900:#0c0d06; --ink-800:#0e0f07;

  /* --- borders (warm hairlines) --- */
  --line:rgba(236,231,219,.10);
  --line-2:rgba(236,231,219,.17);

  /* --- radius scale --- */
  --r-sm:6px;   /* small controls, progress bars, badges */
  --r-md:10px;  /* buttons, inputs, chips */
  --r-lg:14px;  /* cards & panels */
  --r-xl:18px;  /* large surfaces (wizard, modals) */
  --r-pill:999px;

  /* --- elevation (deep shadows for dark) + brand glow --- */
  --e-1:0 1px 3px rgba(0,0,0,.45);
  --e-2:0 10px 26px rgba(0,0,0,.5);
  --e-3:0 18px 44px rgba(0,0,0,.55);
  --e-4:0 32px 74px rgba(0,0,0,.62);
  --glow:0 0 0 1px rgba(var(--green-rgb),.35), 0 16px 46px rgba(var(--green-rgb),.16);

  /* --- spacing scale (4px base) --- */
  --s-1:4px; --s-2:8px; --s-3:12px; --s-4:16px; --s-5:20px; --s-6:24px;
  --s-8:32px; --s-10:40px; --s-12:48px; --s-16:64px;

  /* --- type scale --- */
  --t-xs:12px; --t-sm:14px; --t-base:15px; --t-md:17px; --t-lg:19px; --t-xl:22px;
}

/* ============ reset + base ============ */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:-.4px;line-height:1.15;color:var(--ink)}
a{color:inherit;text-decoration:none}
img{max-width:100%}
::selection{background:rgba(var(--green-rgb),.32);color:#fff}
::placeholder{color:var(--dim)}

/* ============ layout primitives ============ */
.container{max-width:1140px;margin:0 auto;padding:0 var(--s-6)}
.center{text-align:center}
.hidden,.field-hidden{display:none!important}
.eyebrow{font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:2px;font-size:var(--t-xs);color:var(--green-soft);font-weight:700}
.section{padding:var(--s-16) 0}
.section h2{font-size:clamp(26px,3.4vw,38px);margin:var(--s-2) 0 var(--s-3)}
.section .sub{color:var(--dim);max-width:680px;margin:0 auto var(--s-2)}
.muted{color:var(--dim)}

/* ============ buttons ============ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s-2);background:var(--green);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:var(--t-base);line-height:1.1;padding:13px 26px;border-radius:var(--r-md);border:0;cursor:pointer;transition:transform .15s,background .15s,box-shadow .2s}
.btn:hover{background:var(--green-d);transform:translateY(-2px);box-shadow:0 10px 30px rgba(var(--green-rgb),.28)}
.btn-sm{padding:9px 18px;font-size:13px}
.btn-outline{background:transparent;border:2px solid rgba(236,231,219,.28);color:#fff}
.btn-outline:hover{background:rgba(236,231,219,.06);border-color:#fff}
.btn-outline-dark{background:transparent;border:2px solid var(--line-2);color:var(--ink);font-family:'Montserrat',sans-serif;font-weight:700;font-size:var(--t-base);padding:11px 22px;border-radius:var(--r-md);cursor:pointer;transition:.15s}
.btn-outline-dark:hover{border-color:var(--green);color:var(--green);background:rgba(var(--green-rgb),.08)}
.cta-row{display:flex;gap:var(--s-3);flex-wrap:wrap}

/* ============ unified sticky header (logo · nav · call · CTA) ============ */
.nav{position:sticky;top:0;z-index:40;background:rgba(15,16,8,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav .container{display:flex;align-items:center;gap:var(--s-4);min-height:60px}
.nav-logo{flex:0 0 auto;display:flex;align-items:center;gap:9px}
.nav-logo img{height:36px;display:block}
.nav-brand{font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;color:var(--ink);letter-spacing:-.02em;white-space:nowrap}
.nav-menu{display:flex;flex:1;align-items:center;justify-content:space-between;gap:var(--s-4)}
.nav-menu>ul{list-style:none;display:flex;align-items:center;gap:0}
.nav-menu>ul a{color:var(--ink);font-family:'Montserrat',sans-serif;font-weight:600;font-size:12.5px;padding:11px 9px;display:block;text-transform:uppercase;letter-spacing:.3px;white-space:nowrap}
.nav-menu>ul a:hover{color:var(--green)}
.nav-call{color:var(--dim);font-family:'Montserrat',sans-serif;font-weight:600;font-size:13px;white-space:nowrap}
.nav-call:hover{color:var(--green)}
.nav-right{flex:0 0 auto;display:flex;align-items:center;gap:var(--s-3)}
.nav-cta{background:var(--green);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;padding:10px 20px;border-radius:var(--r-md);white-space:nowrap;transition:background .15s,box-shadow .2s,transform .15s}
.nav-cta:hover{background:var(--green-d);color:#fff;box-shadow:0 8px 22px rgba(var(--green-rgb),.28);transform:translateY(-1px)}
.nav-toggle{display:none;background:none;border:0;color:var(--ink);cursor:pointer;padding:8px 0}
.nav-toggle svg{width:26px;height:26px;display:block}
.nav .has-drop{position:relative}
.nav .drop{display:none;position:absolute;top:100%;left:0;background:var(--surface-2);min-width:230px;box-shadow:var(--e-3);border-top:2px solid var(--green);border-radius:0 0 var(--r-md) var(--r-md);z-index:30;flex-direction:column;padding:4px 0}
.nav .has-drop:hover .drop{display:block}
.nav .drop li{display:block}
.nav .drop a{padding:11px 16px;text-transform:none;letter-spacing:0;font-size:13.5px;border-bottom:1px solid var(--line)}
.nav .drop a:hover{background:var(--green-tint);color:var(--green-soft)}

/* ============ hero (kinetic, dark-fintech) ============ */
.hero{position:relative;min-height:600px;display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--ink-900)}
.hero-bg{position:absolute;inset:0;background:url(/img/site/hero-bg.jpg) center/cover;opacity:.24;filter:grayscale(.3) contrast(1.05) sepia(.15)}
.hero-ov{position:absolute;inset:0;background:linear-gradient(105deg,var(--ink-800) 0%,rgba(12,13,6,.88) 46%,rgba(12,13,6,.55) 100%)}
.hero-grid{position:absolute;inset:-2px;z-index:0;
  background-image:linear-gradient(rgba(var(--green-rgb),.10) 1px,transparent 1px),linear-gradient(90deg,rgba(var(--green-rgb),.10) 1px,transparent 1px);
  background-size:46px 46px;
  -webkit-mask-image:radial-gradient(ellipse 72% 82% at 28% 48%,#000 38%,transparent 80%);
  mask-image:radial-gradient(ellipse 72% 82% at 28% 48%,#000 38%,transparent 80%);
  animation:gridDrift 26s linear infinite}
@keyframes gridDrift{to{background-position:46px 46px}}
.hero-glow{position:absolute;z-index:0;width:640px;height:640px;left:-140px;top:-180px;pointer-events:none;
  background:radial-gradient(circle,rgba(var(--green-rgb),.26),transparent 62%);filter:blur(34px);
  animation:glowFloat 15s ease-in-out infinite alternate}
@keyframes glowFloat{from{transform:translate(0,0)}to{transform:translate(150px,130px)}}
.hero-in{position:relative;z-index:2;max-width:660px}
.hero h1{font-weight:800;line-height:1.06;font-size:clamp(32px,4.6vw,52px);margin:var(--s-3) 0 var(--s-4);color:#fff}
.hero h1 span{color:var(--green)}
.hero p{font-size:18px;color:var(--on-dark-dim);margin-bottom:var(--s-6)}
.hero .micro{margin-top:var(--s-5);font-size:var(--t-xs);color:var(--on-dark-faint);max-width:560px}
.hero .cta-row .btn:first-child{animation:ctaPulse 2.8s ease-in-out infinite}
@keyframes ctaPulse{0%,100%{box-shadow:0 8px 24px rgba(var(--green-rgb),.30)}50%{box-shadow:0 8px 40px rgba(var(--green-rgb),.60)}}
/* rotating loan-type word */
.rotator{display:inline-block;color:var(--green);position:relative;min-width:3ch}
.rotator::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:3px;background:var(--green);border-radius:var(--r-sm);transform:scaleX(.85);opacity:.55}
.rotator.swap{animation:rotIn .5s cubic-bezier(.2,.7,.2,1)}
@keyframes rotIn{from{opacity:0;transform:translateY(16px) rotateX(-55deg)}to{opacity:1;transform:none}}

/* hero two-column + deal-review command card */
.hero-wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:var(--s-10);align-items:center;position:relative;z-index:2}
.hero .hero-in{max-width:none}
.hero-sec{margin-top:var(--s-4);font-size:13px;color:var(--on-dark-dim);font-weight:600}
.deal-card{background:linear-gradient(180deg,rgba(35,38,26,.72),rgba(12,13,6,.82));backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--line-2);border-radius:var(--r-xl);padding:var(--s-6);box-shadow:var(--e-4);transition:transform .2s,border-color .2s,box-shadow .2s}
.deal-card:hover{transform:translateY(-3px);border-color:rgba(var(--green-rgb),.42);box-shadow:var(--e-4),var(--glow)}
.dc-head{display:flex;align-items:center;gap:9px;font-family:'Montserrat',sans-serif;font-weight:800;text-transform:uppercase;letter-spacing:.09em;font-size:var(--t-xs);color:var(--green-soft);padding-bottom:var(--s-3);border-bottom:1px solid var(--line);margin-bottom:var(--s-2)}
.dc-dot{width:8px;height:8px;border-radius:50%;background:var(--green);animation:dcPulse 2s infinite}
@keyframes dcPulse{0%{box-shadow:0 0 0 0 rgba(var(--green-rgb),.5)}70%{box-shadow:0 0 0 8px rgba(var(--green-rgb),0)}100%{box-shadow:0 0 0 0 rgba(var(--green-rgb),0)}}
.dc-row{display:flex;justify-content:space-between;gap:var(--s-4);padding:12px 8px;margin:0 -8px;border-radius:var(--r-sm);border-bottom:1px dashed var(--line);transition:background .15s}
.dc-row:hover{background:rgba(var(--green-rgb),.07)}
.dc-l{color:var(--dim);font-size:11px;text-transform:uppercase;letter-spacing:.05em;font-weight:700;flex:0 0 auto;padding-top:2px}
.dc-v{color:var(--ink);font-size:12.5px;text-align:right;font-weight:600;line-height:1.5}
.dc-next{color:var(--green-soft)}
.dc-cta{width:100%;margin-top:var(--s-5)}

/* ============ trust strip ============ */
.trust-strip{background:linear-gradient(90deg,var(--green-deep),var(--green-deep-2));color:var(--on-green);font-size:13px;border-top:1px solid rgba(var(--green-rgb),.35);border-bottom:1px solid rgba(var(--green-rgb),.2)}
.trust-strip .container{display:flex;flex-wrap:wrap;gap:30px;justify-content:center;padding:var(--s-4) var(--s-6)}
.trust-strip span{display:inline-flex;align-items:center;gap:9px;font-weight:500}
.trust-strip b{color:#fff}
.trust-strip svg{flex:0 0 auto;width:17px;height:17px;color:var(--green-bright)}

/* ============ homepage loan picker ============ */
.loan-picker{display:flex;gap:var(--s-3);justify-content:center;align-items:center;flex-wrap:wrap;margin-top:var(--s-8)}
.loan-picker select{font-family:'Open Sans',sans-serif;font-size:var(--t-md);padding:15px 18px;border:2px solid var(--line-2);border-radius:var(--r-md);min-width:340px;max-width:100%;background:var(--surface-2);color:var(--ink);cursor:pointer}
.loan-picker select:focus{outline:none;border-color:var(--green)}
.loan-picker .btn{padding:15px 28px}

/* ============ loan cards ============ */
.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s-5);margin-top:var(--s-8)}
.loan-card{background:linear-gradient(165deg,var(--green-deep),var(--green-deep-2));color:#fff;border:1px solid rgba(var(--green-rgb),.22);border-radius:var(--r-lg);padding:var(--s-6);display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s,border-color .18s}
.loan-card:hover{transform:translateY(-4px);box-shadow:var(--glow);border-color:rgba(var(--green-rgb),.5)}
.loan-card .cat{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--green-soft);font-weight:700;margin-bottom:var(--s-2)}
.loan-card h3{font-size:var(--t-lg);margin-bottom:var(--s-2);color:#fff}
.loan-card p{font-size:13.5px;color:#cfe3cb;flex:1;margin-bottom:var(--s-4)}
.loan-card .btn{align-self:flex-start}

/* ============ program comparison ============ */
.prog-compare{display:flex;flex-direction:column;gap:var(--s-3);margin-top:var(--s-8);text-align:left}
.prog-row{display:grid;grid-template-columns:238px 1fr;gap:var(--s-5);align-items:center;background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--green);border-radius:var(--r-lg);padding:18px var(--s-6);transition:transform .16s,box-shadow .16s,border-color .16s;color:var(--ink)}
.prog-row:hover{transform:translateY(-3px);box-shadow:var(--glow);border-left-color:var(--green-d)}
.prog-name{display:flex;align-items:center;gap:11px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:var(--t-md);color:var(--green-soft)}
.prog-name svg{width:22px;height:22px;color:var(--green);flex:0 0 auto}
.prog-arrow{margin-left:auto;color:var(--green);font-size:var(--t-md);opacity:0;transform:translateX(-6px);transition:.16s}
.prog-row:hover .prog-arrow{opacity:1;transform:none}
.prog-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-4)}
.prog-facts .pf{font-size:var(--t-sm);line-height:1.4;color:var(--ink-2)}
.prog-facts .pf-l{display:block;font-family:'Montserrat',sans-serif;font-size:10.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--dim);font-weight:700;margin-bottom:3px}

/* ============ program-guide matrix (interior pages) ============ */
.matrix-wrap{overflow-x:auto;margin-top:var(--s-8);border:1px solid var(--line);border-radius:var(--r-lg)}
.matrix{width:100%;border-collapse:collapse;min-width:680px;font-size:var(--t-sm)}
.matrix th{background:var(--panel);color:var(--ink);font-family:'Montserrat',sans-serif;text-align:left;padding:var(--s-3) var(--s-4);font-size:var(--t-xs);text-transform:uppercase;letter-spacing:.5px}
.matrix td{padding:var(--s-3) var(--s-4);border-bottom:1px solid var(--line);color:var(--ink-2)}
.matrix tr:last-child td{border-bottom:0}
.matrix tr:nth-child(even) td{background:var(--surface)}
.matrix td:first-child{font-weight:700;color:var(--green-soft)}

/* ============ how it works ============ */
.how-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-5);margin-top:var(--s-8);text-align:left}
.how-step{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-6);transition:transform .18s,box-shadow .18s,border-color .18s}
.how-step:hover{transform:translateY(-3px);box-shadow:var(--e-2);border-color:var(--line-2)}
.how-num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:26px;color:var(--green);letter-spacing:-.02em;margin-bottom:var(--s-2)}
.how-step h4{font-size:16px;margin-bottom:var(--s-2)}
.how-step p{font-size:13.5px;color:var(--dim)}

/* ============ why-choose (cards + green icon chips) ============ */
.why{background:var(--bg-2)}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-5);margin-top:var(--s-8);text-align:left}
.why-item{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-6);transition:transform .18s,box-shadow .18s,border-color .18s}
.why-item:hover{transform:translateY(-3px);box-shadow:var(--e-2);border-color:var(--line-2)}
.why-ic{width:46px;height:46px;border-radius:var(--r-md);background:rgba(var(--green-rgb),.12);border:1px solid rgba(var(--green-rgb),.32);display:flex;align-items:center;justify-content:center;margin-bottom:var(--s-4)}
.why-ic svg{width:23px;height:23px;color:var(--green)}
.why-item h4{font-size:16px;margin-bottom:var(--s-2)}
.why-item p{font-size:13.5px;color:var(--dim)}

/* ============ ceo ============ */
.ceo{background:var(--panel);color:var(--on-dark)}
.ceo .grid{display:grid;grid-template-columns:1fr;gap:var(--s-5);max-width:820px;margin:0 auto}
.ceo h2{color:#fff}
.ceo p{color:var(--on-dark-dim);margin-bottom:var(--s-3)}
.ceo .sign{font-family:'Montserrat',sans-serif;color:var(--green);font-weight:700;margin-top:var(--s-2)}

/* ============ reviews ============ */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-5);margin-top:var(--s-8)}
.review{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-6);box-shadow:var(--e-1)}
.review .stars{color:#f5b301;font-size:16px;margin-bottom:var(--s-2)}
.review p{font-size:var(--t-sm);margin-bottom:var(--s-3);color:var(--ink-2)}
.review .who{font-family:'Montserrat',sans-serif;font-weight:700;font-size:var(--t-sm)}
.review .src{font-size:var(--t-xs);color:var(--dim)}

/* ============ cta band ============ */
.cta-band{background:linear-gradient(120deg,var(--green-deep),var(--green-deep-2));color:#fff;text-align:center;border-top:1px solid rgba(var(--green-rgb),.25);border-bottom:1px solid rgba(var(--green-rgb),.25)}
.cta-band h2{color:#fff}
.cta-band p{color:#cfe3cb;max-width:620px;margin:var(--s-1) auto var(--s-6)}
.cta-solid{background:#fff;color:var(--green-deep)}
.cta-solid:hover{background:#f0efe6;color:var(--green-deep);transform:translateY(-2px);box-shadow:0 12px 30px rgba(0,0,0,.28)}
.cta-sec{margin-top:var(--s-5);font-size:13px;color:#cfe3cb}
.cta-sec a{color:#fff;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.cta-sec a:hover{color:var(--green-bright)}

/* ============ footer ============ */
.footer{background:var(--dark);color:var(--dim);font-size:13.5px;border-top:1px solid var(--line)}
.footer .top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:var(--s-8);padding:44px var(--s-6)}
.footer .lending-box{font-size:13px;line-height:1.8}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:var(--s-3)}
.footer .footer-logo{height:40px}
.footer-name{font-family:'Montserrat',sans-serif;font-weight:800;font-size:17px;color:var(--ink);letter-spacing:-.02em}
.footer h4{color:var(--ink);font-size:13px;text-transform:uppercase;letter-spacing:1px;margin-bottom:var(--s-3)}
.footer ul{list-style:none}
.footer li{margin-bottom:7px}
.footer a:hover{color:var(--green-soft)}
.footer .tag{color:var(--green);font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:2px;margin-top:var(--s-3)}
.footer .legal{border-top:1px solid var(--line);padding:var(--s-4) var(--s-6);font-size:11.5px;color:var(--dim);line-height:1.7}
.badges{display:flex;gap:var(--s-3);margin-top:var(--s-3)}
.badges span{background:var(--surface-2);color:var(--ink-2);border:1px solid var(--line);font-size:10px;font-weight:700;padding:6px 9px;border-radius:var(--r-sm)}

/* ============ interior pages ============ */
.page-hero{background:linear-gradient(160deg,var(--ink-800),var(--panel));color:#fff;padding:var(--s-16) 0;border-bottom:1px solid var(--line)}
.page-hero .eyebrow{color:var(--green-soft)}
.page-hero h1{font-size:clamp(28px,4vw,42px);margin:var(--s-3) 0;max-width:840px;color:#fff}
.page-hero p{color:var(--on-dark-dim);max-width:700px;font-size:var(--t-md)}
.prose{max-width:840px;margin:0 auto}
.prose h2{font-size:26px;margin:var(--s-10) 0 var(--s-3)}
.prose>p,.prose li{color:var(--ink-2);font-size:15.5px}
.prose ul{margin:var(--s-2) 0 var(--s-2) var(--s-6)}
.prose li{margin:var(--s-1) 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:var(--s-5);margin:var(--s-2) 0}
.info-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-6);transition:transform .18s,box-shadow .18s,border-color .18s}
.info-card:hover{transform:translateY(-3px);box-shadow:var(--e-2);border-color:var(--line-2)}
.info-card h3{margin-bottom:var(--s-3);font-size:var(--t-md)}
.info-card ul{margin-left:var(--s-5)}
.faq-item{border-bottom:1px solid var(--line);padding:var(--s-4) 0}
.faq-item h3{font-size:16px;margin-bottom:var(--s-1);color:var(--ink)}
.faq-item p{color:var(--dim);font-size:14.5px}

/* ============ case study ============ */
.case-study{margin-top:var(--s-4);background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.case-study .cs-row{display:grid;grid-template-columns:150px 1fr;border-bottom:1px solid var(--line)}
.case-study .cs-row:last-child{border-bottom:0}
.case-study .cs-label{background:var(--green-deep);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:var(--t-xs);letter-spacing:.04em;text-transform:uppercase;padding:var(--s-4) 18px;display:flex;align-items:center}
.case-study .cs-body{padding:var(--s-4) 18px;color:var(--ink-2)}
.case-study .cs-body b{color:var(--green-soft)}

/* ============ deal-flow (case-study visual math) ============ */
.deal-flow{display:flex;flex-wrap:wrap;align-items:stretch;gap:var(--s-3);margin:18px 0 var(--s-2);padding:var(--s-5);background:linear-gradient(120deg,var(--green-deep),var(--green-deep-2));border:1px solid rgba(var(--green-rgb),.22);border-radius:var(--r-lg);color:#fff;box-shadow:var(--e-3)}
.df-node{flex:1 1 0;min-width:112px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.10);border-radius:var(--r-md);padding:16px 10px}
.df-node.df-hero{background:rgba(var(--green-rgb),.16);border-color:rgba(var(--green-rgb),.45)}
.df-node.df-good{background:rgba(var(--green-rgb),.24);border-color:rgba(var(--green-rgb),.6)}
.df-val{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(19px,2.3vw,27px);font-variant-numeric:tabular-nums;color:#eafbe7;letter-spacing:-.5px;line-height:1}
.df-node.df-good .df-val,.df-node.df-hero .df-val{color:var(--green-bright)}
.df-lbl{font-size:10.5px;text-transform:uppercase;letter-spacing:.06em;color:#b8d8b2;margin-top:7px;font-weight:700}
.df-op{display:flex;align-items:center;font-size:20px;font-weight:800;color:rgba(255,255,255,.45);flex:0 0 auto}
.df-cap{width:100%;font-size:var(--t-xs);color:#b8d8b2;margin-top:var(--s-1)}

/* ============ forms + application wizard ============ */
.qform{max-width:720px;margin:0 auto}
.qform .row{display:grid;grid-template-columns:1fr 1fr;gap:var(--s-4)}
.qform .fld{margin-bottom:var(--s-4)}
.qform label{display:block;font-size:13px;font-weight:600;margin-bottom:5px;color:var(--ink)}
.qform input:not([type=checkbox]):not([type=radio]),.qform select,.qform textarea{width:100%;padding:11px 13px;border:1px solid var(--line-2);border-radius:var(--r-md);font-size:var(--t-base);font-family:inherit;background:var(--surface-2);color:var(--ink);transition:border-color .15s,box-shadow .15s}
.qform input:not([type=checkbox]):not([type=radio]):focus,.qform select:focus,.qform textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(var(--green-rgb),.22)}
/* checkbox & radio options — small square, box aligned on the label's row, brand accent */
.qform input[type=checkbox],.qform input[type=radio]{width:17px;height:17px;flex:none;accent-color:var(--green);cursor:pointer}
#stepFields label.optrow{display:flex;align-items:center;gap:9px;font-weight:400;margin-bottom:0;font-size:var(--t-sm);cursor:pointer;color:var(--ink)}
.optgroup{display:flex;flex-wrap:wrap;gap:6px 22px;margin-top:4px}
.q-success{max-width:640px;margin:0 auto;text-align:center;padding:var(--s-10) var(--s-8);color:var(--ink)}
/* wizard shell = elevated glass product card */
#wizard.qform{max-width:680px;background:linear-gradient(180deg,rgba(35,38,26,.92),rgba(26,28,18,.94));border-radius:var(--r-xl);padding:var(--s-8);position:relative;box-shadow:var(--e-4);border:1px solid var(--line-2);border-top:3px solid var(--green)}
#stepFields .fld{margin-bottom:var(--s-4)}
#stepFields label{display:block;font-weight:600;margin-bottom:var(--s-2);font-size:var(--t-sm)}
.wiz-progress{height:6px;background:var(--surface-2);border-radius:var(--r-sm);overflow:hidden;margin-bottom:var(--s-5)}
.wiz-progress-fill{height:100%;width:0;background:linear-gradient(90deg,var(--green),var(--green-d));border-radius:var(--r-sm);transition:width .5s cubic-bezier(.4,0,.2,1);box-shadow:0 0 12px rgba(var(--green-rgb),.6)}
.stepnav{display:flex;gap:var(--s-2);flex-wrap:wrap;margin-bottom:var(--s-6)}
.step-pill{font-family:'Montserrat',sans-serif;font-size:var(--t-xs);font-weight:600;padding:7px 12px;border-radius:var(--r-pill);background:var(--surface-2);color:var(--dim);border:1px solid var(--line)}
.step-pill.active{background:var(--green);color:#fff;border-color:var(--green);box-shadow:0 0 0 3px rgba(var(--green-rgb),.22)}
.step-pill.done{background:var(--green-deep);color:#fff;border-color:var(--green-deep)}
.calcbar{display:flex;gap:var(--s-3);flex-wrap:wrap;margin:var(--s-4) 0 var(--s-1)}
.calc-chip{display:inline-flex;align-items:center;gap:var(--s-2);background:var(--green-deep);color:var(--on-green);padding:var(--s-2) var(--s-4);border-radius:var(--r-pill);font-size:13px;font-weight:600;animation:chipIn .35s ease}
.calc-chip b{color:var(--green-bright);font-variant-numeric:tabular-nums;font-size:var(--t-base);font-family:'Montserrat',sans-serif}
@keyframes chipIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.wizard-nav{display:flex;justify-content:space-between;gap:var(--s-3);margin-top:18px}
.gate-stop{background:rgba(216,80,64,.12);border:1px solid rgba(216,80,64,.42);color:#f0a89f;padding:var(--s-4) 16px;border-radius:var(--r-md);font-size:var(--t-sm);line-height:1.5}

/* ============ scroll reveal (progressive — JS adds .reveal) ============ */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ============ responsive ============ */
/* keep the secondary Call link only on wide screens (it's redundant with the CTA) */
@media(max-width:1200px){ .nav-call{display:none} }

/* nav collapses to the hamburger below 1120px — the full menu row needs the room,
   so it never overflows and clips the CTA */
@media(max-width:1120px){
  .nav .container{flex-wrap:wrap;min-height:0;padding-top:10px;padding-bottom:10px;gap:var(--s-3)}
  .nav-logo{margin-right:auto}
  .nav-toggle{display:flex;align-items:center}
  .nav-menu{display:none;order:5;width:100%;flex-direction:column;align-items:stretch;gap:0;margin-top:4px}
  .nav.open .nav-menu{display:flex;padding-bottom:var(--s-2)}
  .nav-menu>ul{flex-direction:column;width:100%;gap:0}
  .nav-menu>ul a{padding:13px 4px}
  .nav-call{display:block;padding:13px 4px}   /* re-show inside the open mobile menu */
  .nav .drop{display:block;position:static;box-shadow:none;background:transparent;border-top:0;border-radius:0;min-width:0;padding-left:16px}
  .nav .drop a{border-bottom:0;padding:10px 4px}
}
@media(max-width:900px){
  .split{grid-template-columns:1fr}
  .loan-grid,.why-grid{grid-template-columns:repeat(2,1fr)}
  .how-steps{grid-template-columns:1fr}
  .reviews-grid,.footer .top{grid-template-columns:1fr}
  .hero-wrap{grid-template-columns:1fr;gap:var(--s-8)}
}
@media(max-width:640px){
  .loan-grid,.why-grid{grid-template-columns:1fr}
  /* trust strip → horizontal scroll, stays one line */
  .trust-strip .container{flex-wrap:nowrap;overflow-x:auto;justify-content:flex-start;gap:18px;-webkit-overflow-scrolling:touch}
  .trust-strip span{white-space:nowrap;flex:0 0 auto}
}
@media(max-width:860px){
  .prog-row{grid-template-columns:1fr;gap:var(--s-4)}
  .prog-facts{grid-template-columns:1fr;gap:var(--s-3)}
  .prog-arrow{display:none}
}
@media(prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  .hero-grid,.hero-glow,.hero .cta-row .btn:first-child{animation:none}
}