:root {
  --ink-950: #001523;
  --ink-900: #07283d;
  --ink-700: #36526a;
  --ink-500: #5f768a;
  --ink-300: #9aafbf;
  --line: #dbe4ea;
  --line-strong: #8ea3b5;
  --bg: #f2f5f7;
  --surface: #ffffff;
  --brand-navy: #07283d;
  --brand-navy-deep: #051d2e;
  --brand-gold: #d7a323;
  --brand-gold-strong: #c9911a;
  --brand-gold-soft: #fce482;
  --brand-slate-btn: #3c4f63;
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-pill: 999px;
  --shadow-soft: 0 22px 60px rgba(2, 29, 49, 0.12);
}

* { box-sizing: border-box; }

html,
body {
  margin: 0;
  padding: 0;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  font-family: "Poppins", "Segoe UI", sans-serif;
  color: var(--ink-950);
  background:
    radial-gradient(circle at 10% 0%, rgba(217, 175, 47, 0.2), transparent 34%),
    radial-gradient(circle at 90% 15%, rgba(6, 49, 79, 0.15), transparent 28%),
    linear-gradient(180deg, #f7f9fa 0%, #f2f5f7 46%, #ebf0f4 100%);
  line-height: 1.6;
}

p,
li,
h1,
h2,
h3,
h4,
h5,
span,
a,
input,
textarea,
select,
button {
  overflow-wrap: break-word;
}

a {
  color: var(--brand-navy);
  text-decoration: none;
}

a:hover { text-decoration: underline; }

.container {
  width: min(1160px, calc(100% - 2.4rem));
  margin: 0 auto;
}

.site-shell {
  min-height: 100vh;
  overflow-x: clip;
}

img,
video,
canvas,
svg {
  max-width: 100%;
  height: auto;
}

.topbar {
  background: var(--brand-navy);
  color: #dde9f1;
  font-size: 0.74rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.topbar-inner {
  min-height: 34px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.site-header {
  position: sticky;
  top: env(safe-area-inset-top);
  z-index: 40;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(142, 163, 181, 0.36);
}

.header-inner {
  min-height: 94px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem 1.05rem;
  padding-top: max(0px, env(safe-area-inset-top));
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.82rem;
}

.brand-logo {
  display: block;
  height: 46px;
  width: auto;
  flex-shrink: 0;
}

.brand-mark {
  display: block;
  width: 56px;
  height: 56px;
  flex-shrink: 0;
  border-radius: 50%;
}

.brand-lockup {
  display: inline-flex;
  flex-direction: column;
  gap: 0.08rem;
  line-height: 1;
}

.brand-name {
  color: var(--brand-navy);
  font-size: 1.2rem;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.brand-tagline {
  color: var(--ink-500);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border: 1px solid rgba(7, 40, 61, 0.16);
  background: #ffffff;
  color: var(--brand-navy);
  border-radius: 14px;
  cursor: pointer;
  transition: border-color 160ms ease, background 160ms ease;
}

.menu-toggle:hover {
  border-color: rgba(7, 40, 61, 0.4);
  background: #f6f9fb;
}

.menu-bars {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 24px;
}

.menu-bars span {
  display: block;
  width: 24px;
  height: 2.5px;
  border-radius: 999px;
  background: var(--brand-navy);
  transition: transform 200ms ease, opacity 160ms ease;
}

.menu-toggle[aria-expanded="true"] .menu-bars span:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}

.menu-toggle[aria-expanded="true"] .menu-bars span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] .menu-bars span:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

.main-nav {
  position: absolute;
  top: calc(100% + 0.5rem);
  right: max(1rem, env(safe-area-inset-right));
  z-index: 50;
  display: none;
  flex-direction: column;
  align-items: stretch;
  gap: 0.25rem;
  min-width: 230px;
  padding: 0.6rem;
  background: #ffffff;
  border: 1px solid rgba(7, 40, 61, 0.12);
  border-radius: 16px;
  box-shadow: 0 24px 60px -28px rgba(6, 33, 52, 0.55);
}

.main-nav.open {
  display: flex;
}

.main-nav a {
  color: var(--ink-700);
  font-size: 0.96rem;
  font-weight: 600;
  border-radius: 10px;
  padding: 0.6rem 0.8rem;
  transition: background 160ms ease, color 160ms ease;
}

.main-nav a:hover {
  text-decoration: none;
  background: rgba(6, 49, 79, 0.08);
  color: var(--brand-navy);
}

.main-nav a.active {
  color: var(--brand-navy);
  background: rgba(6, 49, 79, 0.12);
}

.main-nav .nav-cta {
  margin-top: 0.3rem;
  justify-content: center;
  color: #ffffff;
}

.main-nav .nav-cta:hover {
  color: #ffffff;
}

.mobile-nav-actions {
  display: none;
}

.header-actions {
  justify-self: end;
  display: inline-flex;
  gap: 0.64rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  border: 1px solid transparent;
  padding: 0.67rem 1.06rem;
  font-size: 0.9rem;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
  letter-spacing: 0.01em;
  transition: transform 120ms ease, background 180ms ease, color 180ms ease, border-color 180ms ease;
}

.btn:hover {
  text-decoration: none;
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--brand-gold);
  border-color: var(--brand-gold);
  color: var(--brand-navy);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  box-shadow: 0 10px 24px rgba(215, 163, 35, 0.28);
}

.btn-primary:hover {
  background: var(--brand-gold-strong);
  border-color: var(--brand-gold-strong);
  color: var(--brand-navy);
}

.btn-arrow {
  display: inline-flex;
  align-items: center;
  margin-left: 0.55rem;
  line-height: 1;
  transition: transform 160ms ease;
}

.btn-arrow svg {
  width: 1.15em;
  height: 1.15em;
  display: block;
}

.btn-primary:hover .btn-arrow {
  transform: translateX(4px);
}

.btn-secondary {
  background: var(--brand-slate-btn);
  border-color: var(--brand-slate-btn);
  color: #ffffff;
}

.btn-secondary:hover {
  background: #516376;
  border-color: #516376;
}

.btn-ghost {
  background: #ffffff;
  border-color: var(--line-strong);
  color: var(--brand-navy);
}

.btn-ghost:hover {
  background: #f4f7fa;
}

main {
  padding-bottom: 1rem;
  padding-left: env(safe-area-inset-left);
  padding-right: env(safe-area-inset-right);
}

.hero {
  padding: 2.3rem 0 2rem;
}

.hero-dark {
  position: relative;
  overflow: hidden;
  background: linear-gradient(157deg, #0a3047 0%, #07283d 52%, #051d2e 100%);
  color: #ffffff;
  padding: 4.6rem 0 4rem;
  min-height: calc(100vh - 128px);
  min-height: calc(100svh - 128px);
  display: flex;
  align-items: center;
}

.hero-dark-media {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(105deg, rgba(5, 24, 39, 0.94) 0%, rgba(6, 33, 52, 0.82) 42%, rgba(6, 33, 52, 0.45) 100%),
    url("../img/home/hero-piggybanks.jpg");
  background-size: cover;
  background-position: center right;
  z-index: 0;
}

.hero-dark-inner {
  position: relative;
  z-index: 1;
}

/* Small screens: hero text centered so everything fits on one screen */
.hero-dark-content {
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
}

.hero-dark-content .hero-sub,
.hero-dark-content .hero-fine {
  margin-left: auto;
  margin-right: auto;
}

.hero-dark-content .hero-actions {
  justify-content: center;
}

/* Wide screens: push hero text to the left, not centered */
@media (min-width: 1024px) {
  .hero-dark-inner {
    width: min(1280px, calc(100% - 3rem));
  }

  .hero-dark-content {
    max-width: 640px;
    margin: 0;
    text-align: left;
  }

  .hero-dark-content .hero-sub,
  .hero-dark-content .hero-fine {
    margin-left: 0;
    margin-right: 0;
  }

  .hero-dark-content .hero-actions {
    justify-content: flex-start;
  }
}

.hero-dark h1 {
  color: #ffffff;
  font-size: clamp(2.4rem, 5.2vw, 4.4rem);
  font-weight: 800;
  letter-spacing: -0.035em;
  line-height: 0.98;
  margin-bottom: 1.15rem;
}

.hero-headline span {
  display: block;
}

@media (min-width: 560px) {
  .hero-headline span {
    white-space: nowrap;
  }
}

.hero-dark .hero-sub {
  color: #e9eef3;
  font-size: clamp(1.05rem, 1.6vw, 1.3rem);
  font-weight: 500;
  max-width: 44ch;
  margin-bottom: 1.6rem;
}

.hero-note {
  margin-top: 1rem;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--brand-gold-soft, #fce482);
  letter-spacing: 0.01em;
}

.hero-fine {
  margin-top: 1.6rem;
  max-width: 60ch;
  font-size: 0.78rem;
  line-height: 1.55;
  color: #9fb4c6;
}

.hero-microcopy {
  margin-top: 1rem;
  font-size: 0.84rem;
  color: #9fb4c6;
  letter-spacing: 0.01em;
}

.btn-lg {
  padding: 0.95rem 1.9rem;
  font-size: 1rem;
  border-radius: var(--radius-pill);
}

.btn-ghost-light {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.4);
  color: #ffffff;
}

.btn-ghost-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.7);
  color: #ffffff;
}

.qualify-row {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2rem;
  align-items: center;
}

.qualify-copy .section-subtitle {
  margin: 0 0 1.2rem;
}

.qualify-checks {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
  box-shadow: var(--shadow-soft);
  padding: 1.5rem 1.6rem;
  margin: 0;
}

.qualify-checks li {
  padding: 0.5rem 0 0.5rem 1.6rem;
  font-weight: 600;
  color: var(--ink-900);
  border-bottom: 1px solid var(--line);
}

.qualify-checks li:last-child {
  border-bottom: none;
}

.qualify-checks li::before {
  top: 0.95rem;
  left: 0.1rem;
}

.home-hero-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 1rem;
  align-items: stretch;
}

.home-hero-main,
.home-hero-grid aside {
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.home-hero-main {
  background: linear-gradient(160deg, #000000 0%, #051f34 62%, #04233c 100%);
  color: #f5f7fa;
  padding: 2.25rem;
  box-shadow: var(--shadow-soft);
}

.home-hero-main h1 {
  color: #ffffff;
  max-width: 18ch;
}

.home-hero-main .lead,
.home-hero-main .inline-note {
  color: #d9e4ee;
}

.home-hero-grid aside {
  border: 1px solid var(--line);
  background: #ffffff;
  box-shadow: var(--shadow-soft);
  display: flex;
  flex-direction: column;
}

.home-photo {
  margin: 0;
  border-radius: 0;
  overflow: hidden;
}

.home-photo img {
  width: 100%;
  height: 260px;
  object-fit: cover;
  display: block;
}

.home-photo figcaption {
  margin: 0;
  padding: 0.74rem 1rem;
  color: var(--ink-700);
  font-size: 0.86rem;
  border-top: 1px solid var(--line);
}

.home-photo-wide {
  border-radius: var(--radius-xl);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-soft);
}

.home-photo-wide img {
  height: 360px;
}

.home-commitments,
.home-mini-points {
  padding: 1rem 1rem 0;
}

.home-mini-points {
  padding-bottom: 1rem;
}

.home-mini-points p {
  margin: 0 0 0.7rem;
  color: var(--ink-700);
  font-size: 0.9rem;
}

.home-mini-points p:last-child {
  margin-bottom: 0;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 1.6rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

.hero-stat {
  display: flex;
  flex-direction: column;
  gap: 0.18rem;
}

.hero-stat-value {
  color: var(--brand-gold-soft);
  font-size: 1.22rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.1;
}

.hero-stat-label {
  color: #c5d3df;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.qualify-card {
  padding: 1.6rem 1.5rem;
  gap: 0;
  justify-content: flex-start;
}

.qualify-head {
  margin-bottom: 0.4rem;
}

.qualify-head h2 {
  font-size: clamp(1.25rem, 1.8vw, 1.6rem);
  margin-bottom: 0;
}

.qualify-points {
  margin-top: 1.2rem;
  padding-top: 1.1rem;
  border-top: 1px solid var(--line);
  display: grid;
  gap: 0.7rem;
}

.qualify-points p {
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}

.qualify-points strong {
  color: var(--brand-navy);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.qualify-points span {
  color: var(--ink-700);
  font-size: 0.92rem;
}

.qualify-cta {
  margin-top: 1.4rem;
  width: 100%;
}

.section-head {
  max-width: 60ch;
  margin-bottom: 1.6rem;
}

.section-head .section-title {
  margin-bottom: 0.5rem;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.feature-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
  padding: 1.5rem;
  box-shadow: 0 12px 30px rgba(3, 42, 72, 0.07);
}

.feature-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: rgba(217, 175, 47, 0.16);
  font-size: 1.4rem;
  margin-bottom: 0.9rem;
}

.feature-card h3 {
  margin-bottom: 0.45rem;
}

.feature-card p {
  margin: 0;
  color: var(--ink-700);
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.step {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
  padding: 1.4rem;
  box-shadow: 0 12px 30px rgba(3, 42, 72, 0.07);
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 999px;
  background: var(--brand-navy);
  color: #ffffff;
  font-weight: 800;
  font-size: 1.05rem;
  margin-bottom: 0.85rem;
}

.step h3 {
  margin-bottom: 0.4rem;
  font-size: 1.1rem;
}

.step p {
  margin: 0;
  color: var(--ink-700);
  font-size: 0.92rem;
}

.eyebrow {
  display: inline-block;
  margin: 0 0 0.6rem;
  color: var(--ink-500);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3,
h4 {
  margin: 0 0 0.75rem;
  font-family: "Poppins", sans-serif;
  font-weight: 800;
  line-height: 1.13;
  letter-spacing: -0.02em;
  color: var(--ink-900);
}

h1 { font-size: clamp(2rem, 4vw, 4.2rem); }
h2 { font-size: clamp(1.5rem, 2.3vw, 2.25rem); }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.44rem); }

.lead {
  color: var(--ink-700);
  max-width: 60ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1rem;
}

.inline-note {
  margin-top: 0.8rem;
  font-size: 0.86rem;
  color: var(--ink-500);
}

.section {
  padding: 2.6rem 0;
}

.section-muted {
  background:
    radial-gradient(circle at 88% 8%, rgba(217, 175, 47, 0.2), transparent 35%),
    #eef3f7;
  border-top: 1px solid rgba(142, 163, 181, 0.28);
  border-bottom: 1px solid rgba(142, 163, 181, 0.28);
}

.section-dark {
  background: linear-gradient(150deg, #000000 0%, #04223b 100%);
  color: #f3f6f9;
}

.section-dark h2,
.section-dark h3,
.section-dark p,
.section-dark li {
  color: #f3f6f9;
}

.section-dark .btn-secondary,
.section-dark .btn-primary {
  background: var(--brand-gold);
  border-color: var(--brand-gold);
  color: var(--brand-navy);
}

.section-dark .btn-secondary:hover,
.section-dark .btn-primary:hover {
  background: var(--brand-gold-soft);
  border-color: var(--brand-gold-soft);
}

.section-title { margin-bottom: 0.8rem; }

.section-subtitle {
  color: var(--ink-700);
  margin: 0;
}

.check-list {
  margin: 0.7rem 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.58rem;
}

.check-list li {
  position: relative;
  padding-left: 1.4rem;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0.04rem;
  top: 0.52rem;
  width: 0.6rem;
  height: 0.6rem;
  border-radius: 999px;
  background: var(--brand-gold);
}

.prose {
  max-width: 76ch;
}

.prose p {
  margin: 0 0 1rem;
  color: var(--ink-700);
}

.prose h3 {
  margin: 1.34rem 0 0.4rem;
}

.home-principles {
  margin: 0;
  padding-left: 1.15rem;
}

.home-principles li {
  margin-bottom: 0.7rem;
}

.cta-row {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
  box-shadow: var(--shadow-soft);
  padding: 1.54rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.cta-row h2 {
  margin-bottom: 0.38rem;
}

.page-head {
  padding: 2.4rem 0 2rem;
}

.page-head .container {
  max-width: 78ch;
}

.page-head h1 {
  max-width: 15ch;
}

.editorial-columns {
  display: grid;
  gap: 1rem;
}

.editorial-columns.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.editorial-columns.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.editorial-block {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: #ffffff;
  padding: 1rem;
}

.editorial-block .meta {
  margin: 0;
  color: var(--ink-700);
}

.editorial-rows {
  display: grid;
  gap: 0.9rem;
}

.row-item {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 1.1rem;
  align-items: start;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: #ffffff;
  padding: 1rem;
  box-shadow: 0 10px 24px rgba(3, 42, 72, 0.06);
}

.row-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--brand-navy);
  font-weight: 700;
  border: 1px solid rgba(6, 49, 79, 0.22);
  border-radius: 999px;
  padding: 0.3rem 0.56rem;
  display: inline-flex;
  width: max-content;
}

.row-content h2 {
  margin-bottom: 0.4rem;
}

.row-content p {
  margin: 0;
  color: var(--ink-700);
}

.row-content .meta {
  margin-top: 0.4rem;
  font-size: 0.92rem;
  color: var(--ink-500);
}

.compact-text .editorial-block .meta {
  font-size: 0.92rem;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.contact-panel,
.form-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: #ffffff;
  box-shadow: var(--shadow-soft);
  padding: 1.2rem;
}

.contact-form {
  display: grid;
  gap: 0.75rem;
}

.contact-form label {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--ink-700);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  margin-top: 0.3rem;
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.66rem 0.72rem;
  font: inherit;
}

.contact-form textarea {
  resize: vertical;
  min-height: 110px;
}

.flash {
  margin: 0;
  border-radius: 10px;
  padding: 0.56rem 0.66rem;
  font-size: 0.86rem;
}

.flash-success {
  background: rgba(31, 122, 82, 0.15);
  color: #1f7a52;
}

.flash-error {
  background: rgba(180, 35, 24, 0.16);
  color: #a3251b;
}

/* ===== Home: shared section headings ===== */
.section-title {
  text-align: center;
  color: var(--brand-navy);
  font-size: clamp(1.7rem, 3.4vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin: 0 0 0.6rem;
}

.section-sub {
  text-align: center;
  color: var(--ink-500);
  font-size: clamp(1rem, 1.4vw, 1.15rem);
  font-weight: 500;
  max-width: 60ch;
  margin: 0 auto;
}

/* ===== Home: 4 easy steps ===== */
.steps-section {
  padding: 4.4rem 0 4rem;
  background: #ffffff;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.2rem;
  margin-top: 2.6rem;
}

.step-card {
  position: relative;
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 0.5rem 1rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0.7rem;
  min-height: 0;
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--brand-navy);
  color: #ffffff;
  font-weight: 800;
  font-size: 1.15rem;
}

.step-card h3 {
  color: var(--brand-navy);
  font-size: 1.15rem;
  font-weight: 700;
  line-height: 1.25;
  margin: 0.2rem 0 0;
}

.step-time {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--ink-500);
  font-size: 0.92rem;
  font-weight: 600;
}

.step-clock {
  font-size: 1.05rem;
}

.steps-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 2.4rem;
}

.progress-node {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  font-weight: 800;
  font-size: 1rem;
  flex-shrink: 0;
}

.progress-node.done {
  background: var(--brand-navy);
  color: #ffffff;
}

.progress-node.money {
  background: var(--brand-gold, #d7a323);
  color: var(--brand-navy);
}

.progress-line {
  width: clamp(40px, 12vw, 130px);
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand-navy), var(--brand-gold, #d7a323));
}

.steps-cta {
  display: flex;
  justify-content: center;
  margin-top: 2.4rem;
}

/* ===== Home: instant business funding products ===== */
.products-section {
  padding: 3.6rem 0 4.6rem;
  background: linear-gradient(180deg, #f4f8fb 0%, #eef3f7 100%);
}

.products-sub {
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--brand-gold-strong, #c9911a);
  font-size: 0.95rem;
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.4rem;
  margin-top: 2.6rem;
}

.product-card {
  position: relative;
  display: block;
  border-radius: 22px;
  overflow: hidden;
  min-height: 320px;
  box-shadow: 0 26px 60px -34px rgba(6, 33, 52, 0.6);
  transition: transform 200ms ease, box-shadow 200ms ease;
}

.product-card:hover {
  text-decoration: none;
  transform: translateY(-4px);
  box-shadow: 0 34px 70px -32px rgba(6, 33, 52, 0.68);
}

.product-media {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}

.product-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(6, 33, 52, 0) 38%, rgba(5, 24, 39, 0.9) 100%);
}

.product-body {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  padding: 1.5rem 1.6rem;
  color: #ffffff;
}

.product-name {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brand-gold-soft, #fce482);
}

.product-amount {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.02em;
}

/* ===== Home: scroll reveal animation ===== */
[data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 620ms ease, transform 620ms cubic-bezier(0.22, 1, 0.36, 1);
}

[data-reveal].is-visible {
  opacity: 1;
  transform: none;
}

.qualify-grid [data-reveal]:nth-child(2) { transition-delay: 90ms; }
.qualify-grid [data-reveal]:nth-child(3) { transition-delay: 180ms; }
.qualify-grid [data-reveal]:nth-child(4) { transition-delay: 270ms; }

@media (prefers-reduced-motion: reduce) {
  [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* ===== Home: stats bar ===== */
.stats-section {
  background: linear-gradient(180deg, #f4f8fb 0%, #eef3f7 100%);
  padding: 3.2rem 0;
}

.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  align-items: center;
  background: transparent;
  border: none;
  border-radius: 0;
  box-shadow: none;
  padding: 0;
  position: relative;
  z-index: 3;
}

.stat-item {
  text-align: center;
  padding: 0.4rem 1.1rem;
  border-right: 1px solid rgba(7, 40, 61, 0.12);
}

.stat-item:last-child {
  border-right: none;
}

.stat-num {
  display: block;
  color: var(--brand-navy);
  font-size: clamp(1.7rem, 3.4vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.05;
  font-variant-numeric: tabular-nums;
}

.stat-label {
  display: block;
  margin-top: 0.4rem;
  color: var(--ink-500);
  font-size: clamp(0.82rem, 1.1vw, 0.98rem);
  font-weight: 500;
}

/* ===== Home: who we fund ===== */
.qualify-section {
  background: #ffffff;
  padding: 3.4rem 0 4rem;
  text-align: center;
}

.qualify-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  margin: 0 auto 1rem;
  color: var(--brand-navy);
  background: #f1f5f8;
  border: 1px solid rgba(7, 40, 61, 0.12);
}

.qualify-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.2rem;
  margin-top: 2.4rem;
  text-align: center;
}

.qualify-card {
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 0.5rem 1rem;
  min-height: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1.1rem;
}

.qualify-card:hover {
  transform: none;
  border-color: transparent;
  box-shadow: none;
}

.qualify-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(150deg, var(--brand-navy) 0%, var(--brand-navy-deep) 100%);
  color: var(--brand-gold, #d7a323);
  flex-shrink: 0;
}

.qualify-icon-text {
  font-size: 0.95rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: var(--brand-gold-soft, #fce482);
}

.qualify-text {
  margin: 0;
  color: var(--brand-navy);
  font-size: 1.12rem;
  font-weight: 700;
  line-height: 1.3;
}

.qualify-note {
  display: block;
  margin-top: 0.2rem;
  color: var(--ink-500);
  font-size: 0.9rem;
  font-weight: 500;
}

.site-footer {
  margin-top: 0;
  background: linear-gradient(180deg, #07283d 0%, #051d2e 100%);
  color: #d4e0ea;
}

.footer-cta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.2rem;
  padding: 3rem 0 2.6rem;
  border-bottom: 1px solid rgba(159, 180, 198, 0.18);
}

.footer-cta-title {
  margin: 0;
  color: #ffffff;
  font-size: clamp(1.5rem, 3vw, 2.3rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  max-width: 22ch;
}

/* ===== CTA banner card ===== */
.cta-banner {
  background: #ffffff;
  padding: 1rem 0 4.4rem;
}

.cta-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1.5rem;
  background: linear-gradient(135deg, #eef3fb 0%, #e4edf7 100%);
  border: 1px solid rgba(7, 40, 61, 0.08);
  border-radius: 28px;
  padding: 3.6rem 1.5rem;
  box-shadow: 0 28px 60px -42px rgba(6, 33, 52, 0.5);
}

.cta-card-title {
  margin: 0;
  color: var(--brand-navy);
  font-size: clamp(1.55rem, 3.6vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.12;
  max-width: 18ch;
  position: relative;
  z-index: 2;
}

.cta-card .btn {
  position: relative;
  z-index: 2;
}

.cta-spark {
  position: absolute;
  pointer-events: none;
}

.cta-spark path {
  fill: currentColor;
}

.cta-spark-1 {
  top: 26%;
  left: 13%;
  width: 28px;
  height: 28px;
  color: var(--brand-gold);
}

.cta-spark-2 {
  top: 20%;
  right: 17%;
  width: 16px;
  height: 16px;
  color: var(--brand-navy);
  opacity: 0.32;
}

.cta-spark-3 {
  bottom: 22%;
  left: 25%;
  width: 18px;
  height: 18px;
  color: var(--brand-navy);
  opacity: 0.28;
}

.cta-spark-4 {
  bottom: 30%;
  right: 21%;
  width: 22px;
  height: 22px;
  color: var(--brand-gold);
  opacity: 0.75;
}

.footer-main {
  display: grid;
  grid-template-columns: 2fr repeat(3, minmax(0, 1fr));
  gap: 1.8rem 1.4rem;
  padding: 2.8rem 0 2.4rem;
}

.footer-brand-col {
  max-width: 38ch;
}

.footer-branding {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.9rem;
}

.footer-mark {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  flex-shrink: 0;
}

.footer-lockup {
  display: inline-flex;
  flex-direction: column;
  gap: 0.1rem;
}

.footer-name {
  color: #ffffff;
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.footer-tagline {
  color: #9fb4c6;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-blurb {
  color: #9fb4c6;
  font-size: 0.9rem;
  line-height: 1.6;
  margin: 0 0 0.9rem;
}

.footer-email a {
  color: var(--brand-gold-soft, #fce482);
  font-weight: 600;
}

.footer-col h4 {
  margin: 0 0 0.7rem;
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.footer-col a {
  display: block;
  margin: 0.35rem 0;
  color: #c4d2de;
  font-size: 0.94rem;
  transition: color 160ms ease;
}

.footer-col a:hover {
  color: #ffffff;
  text-decoration: none;
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.6rem 1.4rem;
  padding: 1.4rem 0 2rem;
  border-top: 1px solid rgba(159, 180, 198, 0.18);
  color: #8aa0b3;
  font-size: 0.8rem;
}

.footer-fine {
  color: #7e94a8;
  max-width: 52ch;
}

.footer-disclosure {
  padding: 1.4rem 0 0;
  border-top: 1px solid rgba(159, 180, 198, 0.18);
}

.footer-disclosure p {
  margin: 0;
  color: #9fb4c6;
  font-size: 0.82rem;
  line-height: 1.7;
  max-width: 100%;
}

.footer-disclosure a {
  color: #f0c14b;
  text-decoration: underline;
}

.footer-disclosure a:hover {
  color: #ffffff;
}

@media (max-width: 1120px) {
  .home-hero-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .feature-grid,
  .steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .editorial-columns.two,
  .editorial-columns.three {
    grid-template-columns: 1fr;
  }

  .row-item {
    grid-template-columns: 1fr;
    gap: 0.6rem;
  }

  .home-photo img,
  .home-photo-wide img {
    height: 250px;
  }
}

@media (max-width: 860px) {
  .topbar-inner span:last-child {
    display: none;
  }

  .header-inner {
    min-height: 72px;
    flex-wrap: nowrap;
  }

  .brand-logo {
    height: 38px;
  }

  .brand-mark {
    width: 46px;
    height: 46px;
  }

  .brand-name {
    font-size: 1.04rem;
  }

  .brand-tagline {
    font-size: 0.6rem;
  }

  .cta-row {
    flex-direction: column;
    align-items: flex-start;
  }

  .feature-grid,
  .steps {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .products-grid {
    grid-template-columns: 1fr;
  }

  .stats-bar {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.8rem 0;
    padding: 1.6rem 0.8rem;
  }

  .stat-item:nth-child(2) {
    border-right: none;
  }

  .stat-item:nth-child(1),
  .stat-item:nth-child(2) {
    border-bottom: 1px solid rgba(7, 40, 61, 0.12);
    padding-bottom: 1.1rem;
  }

  .stat-item:nth-child(3),
  .stat-item:nth-child(4) {
    padding-top: 1.1rem;
  }

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

  .footer-main {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.6rem 1.4rem;
    padding: 2.4rem 0 2rem;
  }

  .footer-brand-col {
    grid-column: 1 / -1;
    max-width: 52ch;
    margin-bottom: 0.4rem;
  }

  .footer-cta {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
    padding: 2.6rem 0 2.2rem;
  }

  .cta-card {
    padding: 2.8rem 1.3rem;
    border-radius: 22px;
  }

  .cta-spark-1 {
    top: 9%;
    left: 8%;
  }

  .cta-spark-2 {
    top: 8%;
    right: 9%;
  }

  .cta-spark-3 {
    bottom: 10%;
    left: 12%;
  }

  .cta-spark-4 {
    bottom: 11%;
    right: 11%;
  }
}

@media (max-width: 520px) {
  .brand-lockup {
    display: none;
  }

  .brand-mark {
    width: 44px;
    height: 44px;
  }

  .menu-toggle {
    width: 46px;
    height: 46px;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
    gap: 1.8rem 1.2rem;
    padding: 2.2rem 0 1.8rem;
  }

  .footer-brand-col {
    max-width: none;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.7rem;
    padding: 1.3rem 0 1.8rem;
  }

  .qualify-grid {
    grid-template-columns: 1fr;
  }

  .qualify-card {
    min-height: 0;
    flex-direction: column;
    align-items: center;
    gap: 1rem;
  }

  .qualify-text {
    margin: 0;
  }
}

@media (max-width: 620px) {
  .topbar {
    font-size: 0.66rem;
  }

  .topbar-inner {
    justify-content: center;
  }

  .brand {
    gap: 0.6rem;
  }

  .brand-logo {
    height: 34px;
  }

  .brand-mark {
    width: 44px;
    height: 44px;
  }

  .container {
    width: min(1160px, calc(100% - 1.6rem));
  }

  .hero,
  .page-head {
    padding-top: 1.4rem;
  }

  .hero-dark {
    padding: 2.8rem 0 2.6rem;
    min-height: calc(100vh - 106px);
    min-height: calc(100svh - 106px);
  }

  .hero-dark-media {
    background-position: center 18%;
  }

  .hero-dark h1 {
    margin-bottom: 0.85rem;
  }

  h1 {
    font-size: clamp(1.72rem, 8vw, 2.5rem);
  }

  .steps-section,
  .products-section {
    padding: 2.8rem 0;
  }

  .home-hero-main,
  .home-hero-grid aside,
  .contact-panel,
  .form-card,
  .cta-row,
  .editorial-block,
  .row-item {
    padding: 1rem;
  }

  .cta-row .btn,
  .hero-actions .btn,
  .steps-cta .btn,
  .footer-cta .btn {
    width: 100%;
  }

  .hero-actions,
  .steps-cta {
    width: 100%;
  }

  .product-card {
    min-height: 240px;
  }
}