:root{
  --red:#ad0e13;
  --red-dark:#8a0a0e;
  --red-soft:#fbeeee;
  --ink:#15171c;
  --ink-2:#2b2f38;
  --muted:#5f6573;
  --line:#e6e3df;
  --bg:#ffffff;
  --bg-alt:#f7f5f2;
  --dark:#121419;
  --radius:14px;
  --shadow:0 10px 30px rgba(20,22,28,.08);
  --max:1200px;
  --serif:"Fraunces",Georgia,serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2.3rem,5vw,4rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem)}
h3{font-size:1.25rem}
p{color:var(--muted)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--red)}
.section{padding:96px 0}
.section.alt{background:var(--bg-alt)}
.section-head{max-width:720px;margin-bottom:52px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.section-head p{margin-top:16px;font-size:1.05rem}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 26px;border-radius:999px;font-weight:600;font-size:.95rem;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:inherit}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--red-dark)}
.btn-outline{border-color:currentColor;color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-light{border-color:#fff;color:#fff}
.btn-light:hover{background:#fff;color:var(--ink)}
.btn svg{width:16px;height:16px}

/* topbar + header */
.topbar{background:var(--dark);color:#c9ccd3;font-size:.82rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.topbar span{display:inline-flex;gap:6px;align-items:center}
.topbar .tb-left{display:flex;gap:24px;flex-wrap:wrap}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .container{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo img{height:46px;width:auto}
nav.main{display:flex;align-items:center;gap:34px}
nav.main a{font-weight:500;font-size:.95rem;color:var(--ink-2);position:relative}
nav.main a:hover,nav.main a.active{color:var(--red)}
nav.main a.active::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--red)}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0}

/* hero */
.hero{position:relative;color:#fff;min-height:640px;display:flex;align-items:center;overflow:hidden;background:var(--dark)}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center right;opacity:0;transition:opacity 1.2s}
.hero-bg.on{opacity:1}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,20,25,.92) 0%,rgba(18,20,25,.75) 45%,rgba(18,20,25,.2) 100%)}
.hero .container{position:relative;z-index:2;width:100%}
.hero-content{max-width:640px}
.hero .eyebrow{color:#ff9ea1}
.hero .eyebrow::before{background:#ff9ea1}
.hero p{color:#d8dbe1;font-size:1.12rem;margin:22px 0 34px;max-width:560px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-badges{display:flex;gap:30px;margin-top:48px;flex-wrap:wrap}
.hero-badges div{font-size:.88rem;color:#c9ccd3;display:flex;align-items:center;gap:10px}
.hero-badges svg{width:20px;height:20px;color:#ff9ea1;flex-shrink:0}

.page-hero{position:relative;color:#fff;padding:120px 0 90px;background:var(--dark) center/cover}
.page-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,20,25,.9),rgba(18,20,25,.55))}
.page-hero .container{position:relative;z-index:2}
.page-hero p{color:#d8dbe1;max-width:620px;margin-top:16px;font-size:1.08rem}
.crumbs{font-size:.85rem;color:#c9ccd3;margin-bottom:14px}
.crumbs a:hover{color:#fff}

/* feature strip */
.strip{margin-top:-60px;position:relative;z-index:5}
.strip-grid{display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.strip-item{padding:32px 30px;display:flex;gap:18px;border-right:1px solid var(--line)}
.strip-item:last-child{border-right:0}
.strip-item h3{font-size:1.08rem;margin-bottom:6px;font-family:var(--sans);font-weight:700}
.strip-item p{font-size:.92rem}
.icon{width:52px;height:52px;border-radius:12px;background:var(--red-soft);color:var(--red);display:grid;place-items:center;flex-shrink:0}
.icon svg{width:26px;height:26px}

/* two col */
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.split-media{position:relative}
.split-media img{border-radius:var(--radius);width:100%;object-fit:cover}
.media-badge{position:absolute;right:-20px;bottom:30px;background:var(--red);color:#fff;padding:22px 26px;border-radius:var(--radius);box-shadow:var(--shadow);max-width:220px}
.media-badge strong{display:block;font-family:var(--serif);font-size:2.4rem;line-height:1}
.media-badge span{font-size:.88rem;opacity:.9}
.checks{list-style:none;margin:26px 0 32px;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;color:var(--ink-2);font-weight:500}
.checks li::before{content:"";width:22px;height:22px;flex-shrink:0;border-radius:50%;background:var(--red) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat;margin-top:2px}

/* loan cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card .icon{margin-bottom:22px}
.card h3{margin-bottom:10px}
.card p{font-size:.95rem;flex:1}
.card .more{margin-top:22px;color:var(--red);font-weight:600;font-size:.92rem;display:inline-flex;gap:6px;align-items:center}
.card .more:hover{gap:10px}

/* calculator */
.calc-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:0;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);background:#fff}
.calc-form{padding:46px}
.calc-result{background:var(--dark);color:#fff;padding:46px;display:flex;flex-direction:column;justify-content:center}
.field{margin-bottom:30px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.field-top label{font-weight:600;color:var(--ink-2)}
.field-top output{font-family:var(--serif);font-size:1.5rem;color:var(--red);font-weight:600}
input[type=range]{width:100%;accent-color:var(--red);height:6px;cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin-top:6px}
.calc-result .row{display:flex;justify-content:space-between;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#c9ccd3}
.calc-result .row strong{color:#fff;font-size:1.1rem}
.calc-result .big{margin-bottom:22px}
.calc-result .big span{color:#c9ccd3;font-size:.9rem}
.calc-result .big strong{display:block;font-family:var(--serif);font-size:3rem;line-height:1.1}
.calc-result .btn{margin-top:30px;align-self:flex-start}
.fine{font-size:.78rem;color:#9aa0ab;margin-top:18px}

/* stats */
.stats{background:var(--red);color:#fff;padding:70px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center}
.stats strong{font-family:var(--serif);font-size:clamp(2.2rem,4vw,3.2rem);display:block;line-height:1}
.stats span{opacity:.88;font-size:.95rem;margin-top:10px;display:block}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s}
.step{position:relative;padding:34px 26px;background:#fff;border-radius:var(--radius);border:1px solid var(--line)}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:2.6rem;color:var(--red);opacity:.2;font-weight:700;position:absolute;top:18px;right:22px}
.step h3{margin:18px 0 8px}
.step p{font-size:.93rem}

/* principles */
.tabs{display:grid;grid-template-columns:300px 1fr;gap:40px;align-items:start}
.tab-list{display:flex;flex-direction:column;gap:10px}
.tab-btn{text-align:left;padding:18px 22px;border-radius:12px;border:1px solid var(--line);background:#fff;font:600 1rem var(--sans);cursor:pointer;color:var(--ink-2);transition:.2s}
.tab-btn.active,.tab-btn:hover{background:var(--red);color:#fff;border-color:var(--red)}
.tab-panel{display:none;background:#fff;border-radius:var(--radius);padding:40px;border:1px solid var(--line)}
.tab-panel.active{display:grid;grid-template-columns:220px 1fr;gap:34px;align-items:center}
.tab-panel img{border-radius:12px;aspect-ratio:1;object-fit:cover}
.tab-panel h3{font-size:1.6rem;margin-bottom:12px}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.quote{background:#fff;border-radius:var(--radius);padding:36px;border:1px solid var(--line)}
.quote blockquote{font-family:var(--serif);font-size:1.3rem;line-height:1.45;color:var(--ink);margin-bottom:24px}
.quote blockquote::before{content:"\201C";display:block;font-size:3.5rem;color:var(--red);line-height:.6;margin-bottom:10px}
.who{display:flex;align-items:center;gap:14px}
.who img{width:48px;height:48px;border-radius:50%}
.who strong{display:block}
.who span{font-size:.85rem;color:var(--muted)}

/* cta */
.cta{background:var(--dark) center/cover;position:relative;color:#fff;padding:90px 0}
.cta::after{content:"";position:absolute;inset:0;background:rgba(18,20,25,.82)}
.cta .container{position:relative;z-index:2;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta p{color:#d8dbe1;margin-top:10px}

/* loans detail */
.loan-detail{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;padding:60px 0;border-bottom:1px solid var(--line)}
.loan-detail:last-child{border-bottom:0}
.loan-detail:nth-child(even) .ld-media{order:2}
.ld-media img{border-radius:var(--radius);aspect-ratio:4/3;object-fit:cover;width:100%}
.ld-body h2{font-size:clamp(1.6rem,2.6vw,2.1rem);margin-bottom:14px}
.specs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:24px 0}
.specs div{background:var(--bg-alt);border-radius:10px;padding:14px}
.specs span{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.specs strong{font-size:.98rem}

/* groups grid */
.groups{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.group{padding:32px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);border-top:4px solid var(--red)}
.group h3{margin-bottom:10px}

/* mvv */
.mvv{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.mvv .card ul{margin:14px 0 0 18px;color:var(--muted);font-size:.95rem}

/* forms */
.form-wrap{display:grid;grid-template-columns:1.4fr .8fr;gap:40px;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:44px;box-shadow:var(--shadow)}
.form-card h2{font-size:1.7rem;margin-bottom:6px}
.form-step-title{font:700 .8rem var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin:32px 0 16px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.f{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.f label{font-weight:600;font-size:.88rem;color:var(--ink-2)}
.f input,.f select,.f textarea{font:inherit;padding:13px 15px;border:1px solid #d6d2cc;border-radius:10px;background:#fff;color:var(--ink);width:100%}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid var(--red);outline-offset:1px;border-color:transparent}
.f textarea{min-height:120px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted);margin:10px 0 24px}
.consent input{margin-top:4px;accent-color:var(--red)}
.form-ok{display:none;background:#eef8f0;border:1px solid #bfe3c7;color:#1d5a2c;padding:16px 18px;border-radius:10px;margin-top:16px}
.side-card{background:var(--dark);color:#fff;border-radius:20px;padding:36px}
.side-card h3{margin-bottom:16px}
.side-card p{color:#c9ccd3}
.side-card .item{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.side-card .item:last-child{border:0}
.side-card .item svg{width:22px;height:22px;color:#ff9ea1;flex-shrink:0;margin-top:3px}
.side-card .item strong{display:block;font-size:.95rem}
.side-card .item span{color:#c9ccd3;font-size:.9rem}
.map{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);margin-top:40px}
.map iframe{width:100%;height:380px;border:0;display:block}

/* footer */
footer.site{background:var(--dark);color:#c9ccd3;padding:80px 0 0}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
footer.site img{height:52px;width:auto;margin-bottom:20px}
footer.site h4{color:#fff;font:700 .85rem var(--sans);letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
footer.site ul{list-style:none;display:grid;gap:10px;font-size:.93rem}
footer.site a:hover{color:#fff}
footer.site p{color:#9aa0ab;font-size:.93rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:60px;padding:24px 0;font-size:.82rem;color:#8a909b}
.foot-bottom .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.disclaimer{font-size:.78rem;color:#8a909b;margin-top:18px;line-height:1.55}

/* reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}

/* responsive */
@media (max-width:1000px){
  .cards,.mvv{grid-template-columns:repeat(2,1fr)}
  .steps,.stats-grid{grid-template-columns:repeat(2,1fr)}
  .split,.calc-wrap,.loan-detail,.form-wrap{grid-template-columns:1fr}
  .split{gap:40px}
  .loan-detail:nth-child(even) .ld-media{order:0}
  .tabs{grid-template-columns:1fr}
  .tab-list{flex-direction:row;flex-wrap:wrap}
  .foot-grid{grid-template-columns:1fr 1fr}
  .media-badge{right:16px}
}
@media (max-width:820px){
  nav.main{position:fixed;top:78px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 24px 24px;border-bottom:1px solid var(--line);display:none;box-shadow:var(--shadow)}
  nav.main.open{display:flex}
  nav.main a{padding:14px 0;border-bottom:1px solid var(--line)}
  nav.main a.active::after{display:none}
  nav.main .btn{margin-top:16px;justify-content:center}
  .menu-toggle{display:block}
  .strip-grid{grid-template-columns:1fr}
  .strip-item{border-right:0;border-bottom:1px solid var(--line)}
  .topbar .tb-right{display:none}
}
@media (max-width:640px){
  .container{padding:0 16px}
  .section{padding:70px 0}
  .cards,.mvv,.quotes,.groups,.grid-2,.foot-grid,.specs{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .tab-panel.active{grid-template-columns:1fr}
  .tab-panel img{max-width:180px}
  .calc-form,.calc-result,.form-card{padding:28px 22px}
  .hero{min-height:560px}
  .topbar .tb-left span:nth-child(2){display:none}
}
.topbar svg{width:14px;height:14px;color:#ff9ea1}
nav.main a.btn,nav.main a.btn:hover{color:#fff}
.hero{padding:80px 0 130px}
.more svg{width:16px;height:16px}
nav.main{gap:26px}
@media (max-width:1100px) and (min-width:821px){nav.main{gap:18px}nav.main a{font-size:.88rem}nav.main .btn{padding:11px 18px}}
@media (max-width:820px){nav.main{max-height:calc(100vh - 78px);overflow:auto}}
/* timeline */
.timeline{max-width:860px;margin:0 auto;position:relative}
.timeline::before{content:"";position:absolute;left:31px;top:10px;bottom:10px;width:2px;background:var(--line)}
.tl-item{display:grid;grid-template-columns:64px 1fr;gap:28px;padding-bottom:44px;position:relative}
.tl-num{width:64px;height:64px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font:600 1.3rem var(--serif);position:relative;z-index:1}
.tl-body h3{font-size:1.5rem;margin:14px 0 10px}
.tl-body .checks{margin:18px 0 0}
.doc-list{margin:14px 0 0 18px;color:var(--muted);font-size:.95rem;display:grid;gap:6px}
/* industries */
.ind-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.ind{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.25s}
.ind:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.ind img{aspect-ratio:4/3;object-fit:cover;width:100%}
.ind-body{padding:22px}
.ind-body h3{font-size:1.12rem;margin-bottom:8px}
.ind-body p{font-size:.92rem}
/* faq */
.faq-wrap{display:grid;grid-template-columns:220px 1fr;gap:50px;align-items:start}
.faq-nav{position:sticky;top:110px;display:grid;gap:6px}
.faq-nav a{padding:12px 16px;border-radius:10px;font-weight:600;color:var(--ink-2);border:1px solid var(--line)}
.faq-nav a:hover{background:var(--red);color:#fff;border-color:var(--red)}
.faq-h{font-size:1.6rem;margin:40px 0 16px;scroll-margin-top:110px}
.faq-h:first-child{margin-top:0}
.faq{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff}
.faq summary{padding:18px 52px 18px 22px;font-weight:600;cursor:pointer;list-style:none;position:relative;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--red);font-weight:400}
.faq[open] summary::after{content:"\2212"}
.faq p{padding:0 22px 20px}
.faq a,.ld-body a:not(.btn){color:var(--red);text-decoration:underline}
@media (max-width:1000px){.ind-grid{grid-template-columns:repeat(2,1fr)}.faq-wrap{grid-template-columns:1fr}.faq-nav{position:static;grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.ind-grid{grid-template-columns:1fr}.tl-item{grid-template-columns:48px 1fr;gap:18px}.tl-num{width:48px;height:48px;font-size:1.05rem}.timeline::before{left:23px}}
.calc-result .row small{font-size:.75rem;opacity:.7}
/* brochure band */
.brochure-band{padding:0 0 96px;background:var(--bg-alt)}
.bb-inner{display:grid;grid-template-columns:220px 1fr;gap:56px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:40px 48px;box-shadow:var(--shadow)}
.bb-inner img{border-radius:8px;box-shadow:0 18px 40px rgba(20,22,28,.25);transform:rotate(-3deg)}
.bb-inner h2{font-size:clamp(1.6rem,2.8vw,2.2rem)}
.bb-inner p{margin-top:14px}
@media (max-width:760px){.bb-inner{grid-template-columns:1fr;padding:28px 22px;gap:28px}.bb-inner img{max-width:180px;margin:0 auto}}
/* header market ticker */
.market-ticker{flex:1;min-width:0;max-width:420px;margin:0 28px;height:76px;overflow:hidden;display:flex;flex-direction:column;justify-content:flex-start;padding-top:2px;border-left:1px solid var(--line);border-right:1px solid var(--line);padding:0 6px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.market-ticker .tradingview-widget-container{height:60px !important;overflow:hidden;flex-shrink:0}
.ticker-credit{font-size:9px;line-height:12px;margin-top:2px;color:#9aa0ab;text-align:center;letter-spacing:.02em}
.ticker-credit:hover{color:var(--red)}
@media (max-width:1180px){.market-ticker{max-width:260px;margin:0 16px}}
@media (max-width:1000px){.market-ticker{display:none}}