:root{
  --forest:#0d2d50;
  --forest-2:hsl(155, 41%, 21%);
  --forest-3:#0e2019;
  --forest-4: #fff;
  --paper:#f5f2e8;
  --paper-line:#e2ddc9;
  --ink:#1b241d;
  --muted:#0d2d50;
  --gold:#fe1c27;
  --gold-soft:#e9dcb3;
  --card:#ffffff;
  --danger-line:#c65b4a;
  --radius:14px;
  --maxw:1160px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',sans-serif;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Fraunces',serif;
  margin:0;
  font-weight:600;
  letter-spacing:-0.01em;
}
.mono{font-family:'IBM Plex Mono',monospace;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px;}
.eyebrow{
  font-family:'IBM Plex Mono',monospace;
  font-size:12px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold);
  display:flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{content:'';width:22px;height:1px;background:var(--gold);display:inline-block;}
section{position:relative;}
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:14px 26px;
  border-radius:8px;
  font-weight:700;
  font-size:14.5px;
  cursor:pointer;
  border:1px solid transparent;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:active{transform:translateY(1px);}
.btn-gold{background:var(--gold);color:var(--forest-4);}
.btn-gold:hover{box-shadow:0 8px 20px rgba(189,147,48,0.35);}
.btn-ghost{background:transparent;color:var(--paper);border-color:rgba(245,242,232,0.35);}
.btn-ghost:hover{border-color:rgba(245,242,232,0.7);}
.btn-outline{background:transparent;color:var(--forest);border-color:var(--forest);}
.btn-outline:hover{background:var(--forest);color:var(--paper);}

/* ===== NAV ===== */
.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(245,242,232,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--paper-line);
  transition:box-shadow .2s ease;
}
.nav.scrolled{box-shadow:0 4px 18px rgba(20,30,20,0.06);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 32px;max-width:var(--maxw);margin:0 auto;}
.logo{display:flex;align-items:center;gap:9px;font-family:'Fraunces',serif;font-weight:700;font-size:20px;color:var(--forest);}
.logo span{color:var(--gold);}
.logo img{height: auto;
    width: 100%;
    max-width: 200px;}
.nav-links{display:flex;gap:32px;list-style:none;margin:0;padding:0;}
.nav-links a{font-size:14px;font-weight:600;color:var(--muted);transition:color .15s;}
.nav-links a:hover{color:var(--forest);}
.nav-cta{display:flex;align-items:center;gap:18px;}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:6px;}
.hamburger span{width:22px;height:2px;background:var(--forest);display:block;}

/* ===== HERO ===== */
.hero{
  background:
    linear-gradient(rgba(21,51,39,0.94),rgba(14,32,25,0.97)),
    repeating-linear-gradient(0deg, transparent, transparent 27px, rgba(245,242,232,0.05) 28px);
  background-color:var(--forest);
  padding:76px 0 0 0;
  overflow:hidden;
  color:var(--paper);
}
.hero-inner{display:grid;grid-template-columns:1.15fr 0.85fr;gap:40px;align-items:center;max-width:var(--maxw);margin:0 auto;padding:0 32px 60px 32px;}
.hero h1{font-size:46px;line-height:1.12;color:#fbfaf4;max-width:560px;}
.hero h1 em{font-style:italic;color:var(--gold-soft);}
.hero p.sub{font-size:16px;line-height:1.65;color:#c7d2c6;max-width:460px;margin-top:20px;}
.hero-eyebrow{color:var(--gold-soft);margin-bottom:22px;}
.hero-cta{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;}
.ticker{
  margin-top:38px;border-top:1px solid rgba(245,242,232,0.18);padding-top:16px;
  font-family:'IBM Plex Mono',monospace;font-size:12.5px;color:#9db3a0;
  height:20px;overflow:hidden;position:relative;
}
.ticker-line{position:absolute;inset:0;opacity:0;transform:translateY(6px);transition:opacity .5s ease, transform .5s ease;}
.ticker-line.active{opacity:1;transform:translateY(0);}
.ticker-line b{color:var(--gold-soft);font-weight:600;}

/* gauge */
.gauge-card{
  background:rgba(255,255,255,0.04);
  border:1px solid rgba(245,242,232,0.14);
  border-radius:20px;
  padding:30px;
  display:flex;flex-direction:column;align-items:center;gap:6px;
}
.gauge-wrap{position:relative;width:210px;height:120px;}
.gauge-label{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.1em;color:#9db3a0;text-transform:uppercase;margin-top:10px;}
.gauge-value{font-family:'Fraunces',serif;font-size:34px;color:#fbfaf4;position:absolute;bottom:6px;left:0;right:0;text-align:center;}
.gauge-sub{font-size:12px;color:#9db3a0;margin-top:8px;text-align:center;max-width:220px;}

/* ===== SECTION HEADERS ===== */
.section-head{max-width:600px;margin-bottom:44px;}
.section-head h2{font-size:32px;margin-top:14px;line-height:1.25;}
.section-pad{padding:88px 0;}

/* ===== ABOUT ===== */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.about-copy p{font-size:15px;line-height:1.75;color:var(--muted);margin-top:16px;}
.receipt{
  background:var(--card);
  border:1px solid var(--paper-line);
  border-radius:10px;
  padding:26px 28px;
  box-shadow:0 18px 40px rgba(30,40,25,0.08);
  position:relative;
}
.receipt::before,.receipt::after{
  content:'';position:absolute;left:0;right:0;height:10px;
  background:
    radial-gradient(circle at 8px 0, transparent 8px, var(--paper) 8.5px) repeat-x;
  background-size:16px 16px;
}
.receipt::before{top:-9px;}
.receipt::after{bottom:-9px;transform:scaleY(-1);}
.receipt h4{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600;}
.receipt-row{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px dashed var(--paper-line);font-size:13.5px;}
.receipt-row:last-child{border-bottom:none;}
.receipt-row .val{font-family:'IBM Plex Mono',monospace;font-weight:600;color:var(--forest);}
.receipt-total{display:flex;justify-content:space-between;padding-top:14px;margin-top:6px;border-top:1px solid var(--ink);font-weight:700;}
.receipt-total .val{font-family:'IBM Plex Mono',monospace;color:var(--gold);}

/* ===== SERVICES / LOAN CARDS ===== */
.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.stub{
  background:var(--card);
  border:1px solid var(--paper-line);
  border-radius:12px;
  padding:26px 22px;
  position:relative;
  transition:transform .2s ease, box-shadow .2s ease;
}
.stub:hover{transform:translateY(-5px);box-shadow:0 16px 32px rgba(20,30,20,0.09);}
.stub .num{font-family:'IBM Plex Mono',monospace;font-size:11px;color:var(--gold);letter-spacing:.08em;}
.stub h3{font-size:18px;margin-top:14px;}
.stub p{font-size:13px;color:var(--muted);line-height:1.6;margin-top:10px;}
.stub .rate{font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--forest);margin-top:16px;padding-top:14px;border-top:1px dashed var(--paper-line);font-weight:600;}

/* ===== WHY CHOOSE ===== */
.why-wrap{background:var(--forest-3);color:var(--paper);}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(245,242,232,0.1);border:1px solid rgba(245,242,232,0.1);border-radius:14px;overflow:hidden;}
.why-item{background:var(--forest-3);padding:34px 26px;}
.why-item .icon{width:40px;height:40px;border-radius:10px;background:rgba(189,147,48,0.16);display:flex;align-items:center;justify-content:center;font-size:18px;color:var(--gold-soft);}
.why-item h4{font-size:15.5px;color:#fbfaf4;margin-top:18px;}
.why-item p{font-size:12.5px;color:#9db3a0;line-height:1.6;margin-top:8px;}

/* ===== HOW IT WORKS ===== */
.steps-wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative;}
.step-card{background:var(--card);border:1px solid var(--paper-line);border-radius:14px;padding:30px 26px;position:relative;}
.step-num{font-family:'Fraunces',serif;font-size:44px;color:var(--gold-soft);position:absolute;top:16px;right:20px;line-height:1;}
.step-icon{width:44px;height:44px;border-radius:12px;background:var(--forest);display:flex;align-items:center;justify-content:center;}
.step-icon svg{width:22px;height:22px;stroke:var(--gold-soft);}
.step-card h4{font-size:16.5px;margin-top:18px;}
.step-card p{font-size:13px;color:var(--muted);line-height:1.65;margin-top:8px;}
.step-connector{position:absolute;top:52px;left:calc(33.33% - 13px);width:26px;border-top:2px dashed var(--paper-line);}

/* ===== CALCULATOR ===== */
.calc-card{
  background:var(--card);
  border:1px solid var(--paper-line);
  border-radius:18px;
  padding:8px;
  box-shadow:0 22px 50px rgba(20,30,20,0.08);
}
.calc-tabs{display:flex;gap:6px;padding:8px;}
.calc-tab{flex:1;text-align:center;padding:12px 10px;border-radius:10px;font-size:13.5px;font-weight:700;color:var(--muted);cursor:pointer;transition:.15s;}
.calc-tab.active{background:var(--forest);color:var(--paper);}
.calc-body{padding:30px 34px 34px 34px;display:grid;grid-template-columns:1fr 1fr;gap:36px;}
.field-label{font-size:12.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px;display:flex;justify-content:space-between;}
.field-label .amt{font-family:'IBM Plex Mono',monospace;color:var(--forest);font-size:15px;}
input[type=range]{
  -webkit-appearance:none;width:100%;height:5px;border-radius:6px;background:var(--paper-line);outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--gold);border:3px solid var(--card);box-shadow:0 2px 8px rgba(20,30,20,0.3);cursor:pointer;
}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--gold);border:3px solid var(--card);cursor:pointer;}
select{
  width:100%;padding:12px 14px;border-radius:8px;border:1px solid var(--paper-line);font-family:'Inter',sans-serif;font-size:14px;color:var(--ink);background:var(--paper);
}
.calc-result{background:var(--forest);border-radius:12px;padding:22px 24px;color:var(--paper);}
.calc-result .label{font-size:11.5px;color:#9db3a0;text-transform:uppercase;letter-spacing:.08em;font-family:'IBM Plex Mono',monospace;}
.calc-result .figure{font-family:'Fraunces',serif;font-size:32px;color:#fbfaf4;margin-top:6px;}
.calc-result .figure span{font-size:15px;color:#9db3a0;font-family:'Inter',sans-serif;}
.calc-foot{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;border-top:1px solid var(--paper-line);padding-top:22px;}
.calc-foot .note{font-size:12px;color:var(--muted);}

/* ===== STATS ===== */
.stats-wrap{background:var(--gold-soft);border-radius:18px;padding:44px 20px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center;}
.stat h3{font-family:'IBM Plex Mono',monospace;font-size:32px;color:var(--forest);font-weight:600;}
.stat p{font-size:12.5px;color:var(--muted);margin-top:6px;text-transform:uppercase;letter-spacing:.05em;}

/* ===== TESTIMONIALS ===== */
.testi-wrap{position:relative;max-width:680px;margin:0 auto;text-align:center;}
.testi-avatar{width:56px;height:56px;border-radius:50%;margin:0 auto;background:linear-gradient(135deg,var(--forest),var(--forest-2));display:flex;align-items:center;justify-content:center;}
.testi-avatar svg{width:26px;height:26px;stroke:var(--gold-soft);}
.testi-slide{display:none;}
.testi-slide.active{display:block;animation:fadein .5s ease;}
@keyframes fadein{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:translateY(0);}}
.testi-quote{font-family:'Fraunces',serif;font-size:22px;line-height:1.5;color:var(--ink);font-style:italic;margin-top:18px;}
.testi-name{margin-top:22px;font-weight:700;font-size:14px;color:var(--forest);}
.testi-role{font-size:12.5px;color:var(--muted);margin-top:2px;}
.testi-dots{display:flex;justify-content:center;gap:8px;margin-top:30px;}
.testi-dot{width:8px;height:8px;border-radius:50%;background:var(--paper-line);cursor:pointer;transition:.2s;}
.testi-dot.active{background:var(--gold);width:22px;border-radius:5px;}

/* ===== TEAM ===== */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.team-card{background:var(--card);border:1px solid var(--paper-line);border-radius:14px;overflow:hidden;}
.team-photo{height:200px;background:linear-gradient(135deg,var(--forest),var(--forest-2));display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.team-photo svg{width:64px;height:64px;stroke:var(--gold-soft);opacity:0.9;}
.team-photo::after{content:'';position:absolute;inset:0;background:repeating-linear-gradient(0deg, transparent, transparent 20px, rgba(245,242,232,0.05) 21px);}
.team-info{padding:18px 20px;}
.team-info h4{font-size:15.5px;}
.team-info p{font-size:12.5px;color:var(--muted);margin-top:4px;}

/* ===== FAQ ===== */
.faq-list{max-width:760px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--paper-line);}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:22px 4px;cursor:pointer;font-weight:600;font-size:15.5px;color:var(--forest-4);}
.faq-q .plus{font-family:'IBM Plex Mono',monospace;color:var(--gold);font-size:18px;transition:transform .2s ease;flex:none;margin-left:20px;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a p{font-size:13.5px;line-height:1.7;color:var(--forest-4);padding:0 4px 22px 4px;max-width:640px;}

/* ===== FOOTER ===== */
footer{background:var(--forest);color:#c7d2c6;padding:64px 0 0 0;}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:50px;border-bottom:1px solid rgba(245,242,232,0.1);}
.footer-logo{height: auto;
    width: 100%;
    max-width: 200px;}
.footer-logo span{color:var(--gold);}
.footer-top p{font-size:13px;line-height:1.7;color:#8fa091;margin-top:14px;max-width:260px;}
.footer-col h5{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#9db3a0;font-family:'IBM Plex Mono',monospace;margin-bottom:16px;}
.footer-col a{display:block;font-size:13.5px;color:#c7d2c6;margin-bottom:11px;}
.footer-col a:hover{color:var(--gold-soft);}
.news-form{display:flex;margin-top:14px;border:1px solid rgba(245,242,232,0.2);border-radius:8px;overflow:hidden;}
.news-form input{flex:1;border:none;background:transparent;padding:12px 14px;color:#fff;font-size:13px;outline:none;}
.news-form button{background:var(--gold);border:none;padding:0 18px;color:var(--forest-4);font-weight:700;cursor:pointer;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:24px 0;font-size:12.5px;color:#8fa091;flex-wrap:wrap;gap:10px;}
.socials{display:flex;gap:14px;}
.socials a{width:32px;height:32px;border:1px solid rgba(245,242,232,0.2);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;}

/* ===== RESPONSIVE ===== */
@media(max-width:980px){
  .hero-inner{grid-template-columns:1fr;}
  .about-grid{grid-template-columns:1fr;}
  .services-grid{grid-template-columns:repeat(2,1fr);}
  .why-grid{grid-template-columns:repeat(2,1fr);}
  .steps-wrap{grid-template-columns:1fr;}
  .step-connector{display:none;}
  .calc-body{grid-template-columns:1fr;}
  .stats-wrap{grid-template-columns:repeat(2,1fr);}
  .team-grid{grid-template-columns:repeat(1,1fr);}
  .footer-top{grid-template-columns:1fr 1fr;}
}
@media(max-width:720px){
  .nav-links{display:none;}
  .hamburger{display:flex;}
  .hero h1{font-size:32px;}
  .services-grid{grid-template-columns:1fr;}
  .why-grid{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr;}
}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  *{animation-duration:0.001ms !important; transition-duration:0.001ms !important;}
}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px;}