:root{
  --navy:#1B1B47;
  --navy-700:#2a2a63;
  --navy-50:#eeeef5;
  --beige:#f4ede1;
  --stone:#e8e1d3;
  --clay:#FBCC3E;
  --cream:#faf6ef;
  --ink:#1c1c22;
  --muted:#6b6a78;
  --line:#e6e1d6;
  --bg:#fbf8f2;
  --white:#ffffff;
  --shadow-sm:0 1px 2px rgba(27,27,71,.04), 0 2px 8px rgba(27,27,71,.04);
  --shadow:0 10px 30px -12px rgba(27,27,71,.18), 0 4px 12px rgba(27,27,71,.06);
  --shadow-lg:0 30px 60px -20px rgba(27,27,71,.25), 0 10px 30px rgba(27,27,71,.08);
  --radius:18px;
  --radius-lg:28px;
  --maxw:1200px;
  --serif:"Fraunces","Cormorant Garamond",Georgia,serif;
  --sans:"Inter","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);background:var(--bg);color:var(--ink);
  font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;color:var(--navy);letter-spacing:-.01em;margin:0 0 .4em}
h1{font-size:clamp(2.4rem,5vw,4rem);line-height:1.05;font-weight:500}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem);line-height:1.15}
h3{font-size:1.25rem;line-height:1.3}
p{margin:0 0 1em;color:#3a3a44}
.muted{color:var(--muted)}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--sans);font-size:12px;
  letter-spacing:.22em;text-transform:uppercase;color:var(--navy);font-weight:600}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--navy);display:inline-block;opacity:.6}

/* nav */
.nav{position:sticky;top:0;z-index:50;backdrop-filter:saturate(140%) blur(10px);
  background:rgba(251,248,242,.82);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;max-width:var(--maxw);margin:0 auto}
.nav .logo{height:38px}
.nav-links{display:flex;gap:32px;align-items:center}
.nav-links a{font-size:14.5px;color:#2b2b35;font-weight:500;position:relative;padding:6px 2px}
.nav-links a.active,.nav-links a:hover{color:var(--navy)}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--navy);border-radius:2px}
.nav-cta{display:inline-flex;align-items:center;gap:8px}
.menu-btn{display:none;background:none;border:0;font-size:22px;cursor:pointer;color:var(--navy)}
@media (max-width:880px){
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--cream);
    flex-direction:column;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line)}
  .nav-links.open{display:flex}
  .menu-btn{display:block}
}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 22px;border-radius:999px;
  font-weight:600;font-size:14.5px;transition:transform .2s ease, box-shadow .2s ease, background .2s;
  border:1px solid transparent;cursor:pointer;line-height:1}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 8px 22px -8px rgba(27,27,71,.55)}
.btn-primary:hover{background:var(--navy-700);transform:translateY(-1px);box-shadow:0 12px 28px -8px rgba(27,27,71,.55)}
.btn-ghost{background:transparent;color:var(--navy);border-color:rgba(27,27,71,.25)}
.btn-ghost:hover{background:var(--navy-50);border-color:var(--navy)}
.btn-light{background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}
.btn-light:hover{box-shadow:var(--shadow)}

/* hero */
.hero{
  position:relative;
  overflow:hidden;
  padding:72px 0 180px;
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(27,27,71,.08), transparent 60%),
    linear-gradient(180deg,#faf5ea 0%, var(--bg) 100%);
}
.hero::before{content:"";position:absolute;inset:auto 0 0 0;height:60%;
  background:url('assets/topo.svg') center/cover no-repeat;opacity:.5;pointer-events:none}
  
.hero-grid{
    display:grid;
    grid-template-columns:58% 42%;
    gap:40px;
    align-items:center;
    position:relative;
}

@media (max-width:980px){.hero-grid{grid-template-columns:1fr;gap:40px}}
.hero h1 span{font-style:italic;color:var(--clay)}
.hero .lede{font-size:1.125rem;max-width:520px;color:#3b3b46}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.trust-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.chip{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;
  background:#fff;border:1px solid var(--line);font-size:13px;color:#2c2c36;box-shadow:var(--shadow-sm)}
.chip .dot{width:7px;height:7px;border-radius:50%;background:var(--navy)}

/* hero visual + form */

.hero-visual{
    position:relative;
    min-height:700px;
}

.hero-img{
    width:100%;
    height:560px;
    overflow:hidden;
    border-radius:32px;
}

.hero-img img{
  width:100%;
  height:100%;
  object-fit:cover;
}

.lead-card{
    position:absolute;
    left:-120px;
    top:55%;
}

@media (max-width:980px){.lead-card{position:static;width:100%;margin-top:-40px}}
.lead-card h4{font-family:var(--serif);font-size:1.05rem;color:var(--navy);margin:0 0 4px}
.lead-card p{font-size:13px;color:var(--muted);margin:0 0 14px}
.lead-card .field{display:block;margin-bottom:10px}
.lead-card input, .lead-card select{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:12px;
  font:inherit;font-size:14px;background:#fcfaf6;outline:none;transition:.15s}
.lead-card input:focus, .lead-card select:focus{border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(27,27,71,.08)}
.lead-card .btn{width:100%;justify-content:center;margin-top:6px}
.lead-card .fineprint{font-size:11px;color:var(--muted);margin-top:10px;text-align:center}

/* stat strip */
.stats{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
    background:var(--navy);
    color:#fff;
    border-radius:28px;
    padding:34px;
    margin-top:450;
    position:relative;
    z-index:1;
}

.stats .stat .num{font-family:var(--serif);font-size:2rem;color:#fff;line-height:1}
.stats .stat .lbl{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#cfcfe0;margin-top:6px}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}

/* sections */
section{padding:96px 0}
.section-head{max-width:680px;margin:0 auto 48px;text-align:center}
.section-head .eyebrow{justify-content:center}
.section-head h2{margin-top:14px}
.section-head p{color:var(--muted)}

/* pain points */
.pain-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:880px){.pain-grid{grid-template-columns:repeat(2,1fr)}}
.pain{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:24px;text-align:left;box-shadow:var(--shadow-sm);transition:.2s}
.pain:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.pain .ic{width:44px;height:44px;border-radius:12px;background:var(--beige);display:flex;
  align-items:center;justify-content:center;color:var(--navy);margin-bottom:14px;font-size:20px}
.pain h4{font-family:var(--serif);color:var(--navy);font-size:1.05rem;margin:0 0 6px}
.pain p{font-size:14px;color:#52525c;margin:0}

/* services */
.bg-cream{background:linear-gradient(180deg,var(--cream),#f6efe1)}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:980px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.svc-grid{grid-template-columns:1fr}}
.svc{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);
  box-shadow:var(--shadow-sm);transition:.25s;position:relative;overflow:hidden}
.svc::after{content:"";position:absolute;inset:auto -40px -40px auto;width:140px;height:140px;border-radius:50%;
  background:radial-gradient(circle,var(--beige),transparent 70%);opacity:.7}
.svc:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(27,27,71,.15)}
.svc .ic{width:48px;height:48px;border-radius:14px;background:var(--navy-50);color:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;font-size:22px}
.svc h3{font-size:1.2rem;margin-bottom:8px}
.svc p{font-size:14.5px;color:#4a4a55;margin:0 0 14px}
.svc .tag{display:inline-block;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--navy);background:var(--navy-50);padding:5px 10px;border-radius:999px;font-weight:600}
.svc .arrow{position:absolute;top:24px;right:24px;color:var(--navy);opacity:.45;transition:.25s}
.svc:hover .arrow{opacity:1;transform:translate(2px,-2px)}

/* timeline */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
@media (max-width:880px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border-radius:var(--radius);padding:26px;border:1px solid var(--line);
  position:relative}
.step .n{font-family:var(--serif);font-size:2.2rem;color:var(--clay);line-height:1;margin-bottom:10px}
.step h4{font-family:var(--serif);color:var(--navy);font-size:1.1rem;margin:0 0 6px}
.step p{font-size:14px;color:#52525c;margin:0}

/* testimonials */
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:880px){.t-grid{grid-template-columns:1fr}}
.t-card{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.stars{color:var(--clay);letter-spacing:2px;font-size:14px;margin-bottom:10px}
.t-card blockquote{margin:0 0 18px;font-family:var(--serif);font-size:1.05rem;line-height:1.5;color:var(--navy)}
.t-author{display:flex;align-items:center;gap:12px}
.t-author img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.t-author .nm{font-weight:600;font-size:14px;color:var(--ink)}
.t-author .ro{font-size:12.5px;color:var(--muted)}

/* lender strip */
.lenders{background:#fff;padding:36px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.lenders-inner{display:flex;flex-wrap:wrap;justify-content:space-around;align-items:center;gap:30px;opacity:.85}
.lender{font-family:var(--serif);font-size:1.25rem;color:var(--navy);letter-spacing:.02em;font-weight:500;opacity:.55;transition:.25s}
.lender:hover{opacity:1}

/* final cta */
.final-cta{background:var(--navy);color:#fff;border-radius:var(--radius-lg);padding:64px;
  position:relative;overflow:hidden;text-align:center;
  background-image:url('assets/topo.svg');background-size:cover;background-blend-mode:overlay}
.final-cta h2{color:#fff;font-size:clamp(2rem,4vw,3rem)}
.final-cta p{color:#d4d4e5;max-width:540px;margin:0 auto 26px}
.final-cta .btn-light{background:#fff;color:var(--navy)}

/* footer */
footer{background:#101031;color:#cfcfe0;padding:64px 0 32px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}
footer h5{font-family:var(--serif);color:#fff;font-size:1rem;margin:0 0 16px;font-weight:500}
footer a{color:#cfcfe0;display:block;padding:5px 0;font-size:14px}
footer a:hover{color:#fff}
.foot-logo{filter:invert(1) brightness(2);height:42px;margin-bottom:14px}
.foot-bottom{border-top:1px solid #2a2a4d;margin-top:48px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;color:#8a8aa8}

/* services page */
.svc-block{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:40px;
  box-shadow:var(--shadow-sm);margin-bottom:28px}
.svc-block:nth-child(even){direction:rtl}
.svc-block:nth-child(even) > *{direction:ltr}
@media (max-width:880px){.svc-block{grid-template-columns:1fr;padding:28px}.svc-block:nth-child(even){direction:ltr}}
.svc-block .visual{aspect-ratio:4/3;border-radius:var(--radius);background:var(--beige) center/cover;position:relative;overflow:hidden}
.svc-block .visual .badge{position:absolute;top:16px;left:16px;background:#fff;border-radius:999px;padding:8px 14px;font-size:12px;color:var(--navy);box-shadow:var(--shadow-sm);font-weight:600}
.svc-block ul{padding:0;list-style:none;margin:18px 0 22px}
.svc-block li{padding:6px 0 6px 26px;position:relative;font-size:14.5px;color:#3a3a44}
.svc-block li::before{content:"";position:absolute;left:0;top:14px;width:14px;height:2px;background:var(--clay);border-radius:2px}
.best-for{display:inline-flex;align-items:center;gap:8px;background:var(--beige);color:var(--navy);
  padding:6px 12px;border-radius:999px;font-size:12px;font-weight:600;letter-spacing:.04em;margin-bottom:10px}

/* faq */
.faq{max-width:780px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:rgba(27,27,71,.2)}
.faq summary{cursor:pointer;font-family:var(--serif);font-size:1.05rem;color:var(--navy);
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--sans);font-siz
e:1.6rem;color:var(--navy);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{margin-top:10px;color:#52525c;font-size:14.5px}

/* about */
.about-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:880px){.about-hero{grid-template-columns:1fr}}
.about-hero .img{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/5}
.about-hero .img img{width:100%;height:100%;object-fit:cover}
.values{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:880px){.values{grid-template-columns:repeat(2,1fr)}}
.value{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.value .ic{width:44px;height:44px;border-radius:12px;background:var(--navy-50);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:14px}
.value h4{font-family:var(--serif);font-size:1.1rem;color:var(--navy);margin:0 0 6px}
.value p{font-size:14px;color:#52525c;margin:0}

/* timeline narrative */
.tl{position:relative;padding-left:36px}
.tl::before{conent:"";position:absolute;left:14px;top:8px;bottom:8px;width:1px;background:var(--line)}
.tl-item{position:relative;padding-bottom:28px}
.tl-item::before{content:"";position:absolute;left:-28px;top:8px;width:14px;height:14px;border-radius:50%;
  background:#fff;border:2px solid var(--navy)}
.tl-item h4{font-family:var(--serif);color:var(--navy);font-size:1.1rem;margin:0 0 4px}
.tl-item p{color:#52525c;font-size:14.5px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:start}
@media (max-width:880px){.contact-grid{grid-template-columns:1fr}}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow)}
.contact-card .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.contact-card .row{grid-template-columns:1fr}}
.contact-card label{display:block;font-size:12.5px;color:var(--muted);font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:6px}
.contact-card input,.contact-card select,.contact-card textarea{
  width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:12px;font:inherit;font-size:14.5px;
  background:#fcfaf6;outline:none;transition:.15s;margin-bottom:14px}
.contact-card textarea{min-height:130px;resize:vertical}
.contact-card input:focus,.contact-card select:focus,.contact-card textarea:focus{
  border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(27,27,71,.08)}
.contact-info .info{display:flex;gap:14px;padding:18px 0;border-bottom:1px solid var(--line)}
.contact-info .info:last-child{border-bottom:0}
.contact-info .ic{width:42px;height:42px;border-radius:12px;background:var(--beige);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-size:18px;flex:0 0 42px}
.contact-info h5{margin:0 0 4px;font-family:var(--serif);color:var(--navy);font-size:1rem}
.contact-info p{margin:0;font-size:14px;color:#52525c}

/* page hero */
.page-hero{padding:80px 0 56px;background:linear-gradient(180deg,#faf5ea, var(--bg));position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;inset:0;background:url('assets/topo.svg') center/cover no-repeat;opacity:.35;pointer-events:none}
.page-hero .container{position:relative;max-width:820px;text-align:center}
.page-hero p{color:var(--muted);font-size:1.1rem;max-width:620px;margin:14px auto 0}

/* fade-in (CSS-only, JS-free fallback) */
@keyframes cmFadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.reveal{animation:cmFadeUp .7s ease both}
@media (prefers-reduced-motion: reduce){.reveal{animation:none}}

/* emoji icon fallback for systems without color emoji fonts */
.ic{font-family:"Apple Color Emoji","Segoe UI Emoji","Noto Color Emoji","Twemoji Mozilla","EmojiOne Color",sans-serif}

/* nav CTA tightening */
@media (max-width:1080px){.nav-cta{padding:10px 14px;font-size:13px}}
@media (max-width:980px){.nav-cta{display:none !important}}

.ghl-form-wrap{
  background:#fff;
  border-radius:22px;
  overflow:hidden;
}

.ghl-form-wrap iframe{
  width:100%;
  height:650px !important;
  border:none;
  display:block;
}

@media(max-width:991px){

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

.hero-visual{
    min-height:auto;
}

.lead-card{
    position:relative;
    left:auto;
    top:auto;
    transform:none;
    width:100%;
    max-width:100%;
    margin-top:30px;
}

.stats{
    margin-top:40px;
    grid-template-columns:repeat(2,1fr);
}

}