/* KB Funding Group — global styles */
:root {
  --navy: #0F2A52;
  --navy-deep: #0B1F3E;
  --navy-ink: #0B1A33;
  --gold: #C9A35A;
  --gold-soft: #D9BC82;
  --gold-deep: #A6843F;
  --cream: #F7F3EC;
  --cream-2: #F1EADC;
  --paper: #FBFAF6;
  --slate: #5C6B82;
  --line: #E6DFD0;
  --line-strong: #D8CDB3;
  --white: #FFFFFF;
  --shadow-card: 0 1px 2px rgba(15,42,82,.04), 0 12px 32px -12px rgba(15,42,82,.18);
  --shadow-soft: 0 1px 2px rgba(15,42,82,.05), 0 6px 18px -8px rgba(15,42,82,.15);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--navy-ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4 {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin: 0;
  line-height: 1.1;
}
h1 { font-size: clamp(44px, 6vw, 76px); font-weight: 500; }
h2 { font-size: clamp(34px, 4.4vw, 54px); }
h3 { font-size: clamp(24px, 2.4vw, 32px); }
h4 { font-size: 20px; font-weight: 600; }

p { margin: 0 0 1em; color: #2a3a55; }
a { color: var(--navy); text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { max-width: 100%; display: block; }

.container { max-width: 1240px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 920px; margin: 0 auto; padding: 0 32px; }

/* ---------- Eyebrow / labels ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: all 0.2s ease;
  white-space: nowrap;
  cursor: pointer;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border: 1px solid var(--gold);
}
.btn-primary:hover { background: var(--gold-deep); border-color: var(--gold-deep); color: var(--white); }
.btn-secondary {
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
}
.btn-secondary:hover { background: var(--navy-deep); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-ghost-light {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.4);
}
.btn-ghost-light:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-lg { padding: 18px 34px; font-size: 14px; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.85);
  font-size: 12.5px;
  letter-spacing: 0.04em;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 38px;
}
.topbar a { color: rgba(255,255,255,0.85); transition: color .15s; }
.topbar a:hover { color: var(--gold); }
.topbar-left { display: flex; gap: 22px; align-items: center; }
.topbar-right { display: flex; gap: 22px; align-items: center; }

/* ---------- Header ---------- */
.header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 92px;
  gap: 32px;
}
.logo-link { display: flex; align-items: center; gap: 14px; }
.logo-link img { height: 56px; width: auto; }
.logo-fallback {
  display: flex; align-items: baseline; gap: 10px;
  font-family: 'Cormorant Garamond', serif;
}
.logo-mark {
  font-size: 36px; font-weight: 600; color: var(--navy);
  letter-spacing: -0.02em;
}
.logo-mark .b { color: var(--gold); }
.logo-text {
  font-size: 18px; letter-spacing: 0.32em;
  text-transform: uppercase; color: var(--navy);
}
.logo-text .group { color: var(--gold-deep); }

.nav { display: flex; gap: 32px; align-items: center; }
.nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--navy-ink);
  position: relative;
  padding: 6px 0;
  transition: color .15s;
  line-height: 1.15;
}
.nav a:hover, .nav a.active { color: var(--gold-deep); }
.nav a.active::after {
  content: ""; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--gold);
}

.header-cta { display: flex; gap: 18px; align-items: center; }
.header-phone {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 15px; font-weight: 600; color: var(--navy);
  transition: color .15s;
}
.header-phone:hover { color: var(--gold-deep); }
.header-phone svg { color: var(--gold-deep); }

.mobile-toggle { display: none; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(180deg, #0B1F3E 0%, #0F2A52 60%, #112E5A 100%);
  color: var(--white);
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(800px 400px at 90% 0%, rgba(201,163,90,0.18), transparent 60%),
    radial-gradient(600px 500px at 0% 100%, rgba(201,163,90,0.10), transparent 60%);
  pointer-events: none;
}
.hero-grid-bg {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 80px;
  padding: 100px 32px 120px;
  align-items: center;
}
.hero h1 { color: var(--white); }
.hero h1 em {
  font-style: italic;
  color: var(--gold);
  font-weight: 400;
}
.hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.78);
  margin: 24px 0 36px;
  max-width: 540px;
  line-height: 1.6;
}
.hero-eyebrow { color: var(--gold); }
.hero-eyebrow::before { background: var(--gold); }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 56px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-stat .num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 40px;
  color: var(--gold);
  line-height: 1;
  font-weight: 500;
}
.hero-stat .label {
  font-size: 12.5px;
  color: rgba(255,255,255,0.7);
  margin-top: 8px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Hero quote card */
.hero-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,163,90,0.35);
  backdrop-filter: blur(8px);
  padding: 36px;
  position: relative;
}
.hero-card::before {
  content: ""; position: absolute; inset: -1px;
  border-top: 2px solid var(--gold);
  border-left: 2px solid var(--gold);
  width: 36px; height: 36px;
  pointer-events: none;
}
.hero-card::after {
  content: ""; position: absolute; bottom: -1px; right: -1px;
  border-bottom: 2px solid var(--gold);
  border-right: 2px solid var(--gold);
  width: 36px; height: 36px;
  pointer-events: none;
}
.hero-card h3 {
  color: var(--white);
  font-size: 26px;
  margin-bottom: 4px;
}
.hero-card .small {
  font-size: 12px; color: var(--gold); letter-spacing: 0.18em; text-transform: uppercase;
}

/* Hero ledger card */
.ledger-head {
  display: flex; align-items: center; justify-content: space-between;
}
.ledger-live {
  display: inline-flex; align-items: center; gap: 9px;
  font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase;
  color: rgba(255,255,255,0.82); font-weight: 600;
}
.ledger-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: #5fbf86; box-shadow: 0 0 0 0 rgba(95,191,134,0.6);
  animation: ledgerPulse 2.4s ease-out infinite;
}
@keyframes ledgerPulse {
  0%   { box-shadow: 0 0 0 0 rgba(95,191,134,0.55); }
  70%  { box-shadow: 0 0 0 9px rgba(95,191,134,0); }
  100% { box-shadow: 0 0 0 0 rgba(95,191,134,0); }
}
@media (prefers-reduced-motion: reduce) {
  .ledger-dot { animation: none; }
}
.ledger-total {
  font-family: 'Cormorant Garamond', serif;
  font-size: 58px; line-height: 1; color: var(--white);
  margin-top: 26px; font-weight: 500;
}
.ledger-total-label {
  font-size: 13px; color: rgba(255,255,255,0.6);
  margin-top: 10px; letter-spacing: 0.02em;
}
.ledger-list {
  display: flex; flex-direction: column;
  margin-top: 26px; padding-top: 8px;
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-bottom: 24px;
}
.ledger-row {
  display: flex; align-items: center; gap: 16px;
  padding: 15px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.ledger-amt {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px; color: var(--gold); line-height: 1;
  min-width: 78px; font-weight: 500;
}
.ledger-meta { flex: 1; }
.ledger-kind {
  color: var(--white); font-size: 14px; font-weight: 500;
}
.ledger-who {
  font-size: 12px; color: rgba(255,255,255,0.55); margin-top: 3px;
}
.ledger-time {
  font-size: 11px; color: rgba(255,255,255,0.45);
  letter-spacing: 0.1em; text-transform: uppercase; white-space: nowrap;
}

/* Calculator */
.calc {
  display: flex; flex-direction: column; gap: 20px;
  margin-top: 22px;
}
.calc-row { display: flex; justify-content: space-between; align-items: baseline; }
.calc-amount {
  font-family: 'Cormorant Garamond', serif;
  font-size: 46px;
  color: var(--gold);
  font-weight: 500;
  line-height: 1;
}
.calc-label { font-size: 12px; color: rgba(255,255,255,0.6); letter-spacing: 0.14em; text-transform: uppercase; }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px;
  background: rgba(255,255,255,0.15);
  border-radius: 0;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(201,163,90,0.2);
  transition: box-shadow .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { box-shadow: 0 0 0 7px rgba(201,163,90,0.25); }
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; background: var(--gold); border: none; border-radius: 50%; cursor: pointer;
}

.calc-tier-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
  padding-top: 18px; border-top: 1px solid rgba(255,255,255,0.1);
}
.calc-tier .v {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px; color: var(--white); line-height: 1;
}
.calc-tier .l {
  font-size: 11px; color: rgba(255,255,255,0.55); letter-spacing: 0.12em; text-transform: uppercase;
  margin-top: 6px;
}

/* ---------- Trust bar ---------- */
.trust {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  padding: 28px 0;
}
.trust-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap;
}
.trust-label {
  font-size: 11.5px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--slate);
}
.trust-items { display: flex; gap: 48px; flex-wrap: wrap; align-items: center; }
.trust-item {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  color: var(--navy);
  letter-spacing: 0.02em;
}
.trust-star { color: var(--gold); }

/* ---------- Section ---------- */
section { padding: 110px 0; }
.section-tight { padding: 80px 0; }
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy); color: rgba(255,255,255,0.85); }
.section-navy h2, .section-navy h3, .section-navy h4 { color: var(--white); }

.section-head { max-width: 760px; margin-bottom: 64px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { font-size: 18px; color: var(--slate); margin-top: 18px; }
.section-head h2 em { font-style: italic; color: var(--gold-deep); font-weight: 400; }
.section-navy .section-head h2 em { color: var(--gold); }
.section-navy .section-head p { color: rgba(255,255,255,0.7); }

/* ---------- Solutions cards ---------- */
.solutions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.solution {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 40px 36px 36px;
  position: relative;
  transition: all .25s ease;
  display: flex; flex-direction: column;
}
.solution:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
  border-color: var(--gold);
}
.solution-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 14px;
  color: var(--gold-deep);
  letter-spacing: 0.18em;
  margin-bottom: 28px;
  display: block;
}
.solution h3 { margin-bottom: 12px; font-size: 28px; }
.solution p { color: var(--slate); font-size: 15px; }
.solution-meta {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  margin: 24px 0;
  padding: 20px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.solution-meta .l { font-size: 11px; color: var(--slate); letter-spacing: 0.1em; text-transform: uppercase; }
.solution-meta .v {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  color: var(--navy);
  margin-top: 4px;
}
.solution-link {
  margin-top: auto;
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--navy);
}
.solution-link svg { transition: transform .2s; }
.solution:hover .solution-link svg { transform: translateX(4px); }
.solution:hover .solution-link { color: var(--gold-deep); }

/* ---------- Process / steps ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--line-strong);
}
.step {
  padding: 36px 28px 36px 0;
  position: relative;
}
.step:not(:last-child) { border-right: 1px solid var(--line-strong); padding-right: 36px; }
.step:not(:first-child) { padding-left: 36px; }
.step-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px;
  color: var(--gold);
  line-height: 1;
  font-weight: 500;
  margin-bottom: 18px;
  display: block;
}
.step h4 { font-family: 'Cormorant Garamond', serif; font-size: 24px; font-weight: 500; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: 14.5px; color: var(--slate); margin: 0; }

/* ---------- Industries ---------- */
.industries {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}
.industry {
  background: var(--white);
  padding: 32px 24px;
  text-align: left;
  cursor: pointer;
  transition: all .2s;
  display: flex; flex-direction: column; gap: 10px;
  min-height: 160px;
}
.industry:hover { background: var(--navy); }
.industry:hover .industry-name { color: var(--white); }
.industry:hover .industry-meta { color: var(--gold); }
.industry-icon {
  width: 36px; height: 36px;
  display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--gold);
  color: var(--gold-deep);
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 500;
}
.industry:hover .industry-icon { background: var(--gold); color: var(--navy); }
.industry-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  color: var(--navy);
  margin-top: auto;
  transition: color .2s;
}
.industry-meta {
  font-size: 11.5px;
  color: var(--slate);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  transition: color .2s;
}

/* ---------- Compare table ---------- */
.compare {
  background: var(--white);
  border: 1px solid var(--line);
}
.compare-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  border-bottom: 1px solid var(--line);
}
.compare-row:last-child { border-bottom: none; }
.compare-row > div { padding: 22px 28px; }
.compare-row.head > div {
  font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--slate); background: var(--cream);
  font-weight: 600;
}
.compare-row.head .col-kb { color: var(--navy); background: var(--cream-2); }
.compare-row .col-kb { background: rgba(247,243,236,0.6); }
.compare-feat { font-weight: 500; color: var(--navy); }
.compare-val { color: var(--slate); font-size: 14.5px; }
.check { color: var(--gold-deep); font-weight: 700; }
.x { color: #b58a8a; }

/* ---------- Testimonial ---------- */
.testimonial-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.testimonial {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 40px;
  position: relative;
}
.testimonial.dark {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.88);
  border-color: var(--navy-deep);
}
.testimonial blockquote {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  line-height: 1.4;
  color: var(--navy);
  margin: 0 0 28px;
  font-style: italic;
}
.testimonial.dark blockquote { color: var(--white); }
.quote-mark {
  font-family: 'Cormorant Garamond', serif;
  font-size: 80px;
  color: var(--gold);
  line-height: 0.5;
  display: block;
  margin-bottom: 16px;
}
.testimonial-cite { display: flex; align-items: center; gap: 14px; }
.cite-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 600;
}
.cite-name { font-weight: 600; color: var(--navy); font-size: 15px; }
.testimonial.dark .cite-name { color: var(--white); }
.cite-role { font-size: 12.5px; color: var(--slate); }
.testimonial.dark .cite-role { color: rgba(255,255,255,0.6); }
.cite-rating { color: var(--gold); letter-spacing: 2px; }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--line-strong);
}
.faq-item:first-child { border-top: 1px solid var(--line-strong); }
.faq-q {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center;
  padding: 28px 0;
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  color: var(--navy);
  text-align: left;
  background: none; border: none;
  cursor: pointer;
}
.faq-toggle {
  width: 32px; height: 32px;
  border: 1px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  color: var(--gold-deep);
  font-size: 16px;
  transition: all .2s;
}
.faq-item.open .faq-toggle { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}
.faq-item.open .faq-a { max-height: 400px; padding: 0 0 28px; }
.faq-a p { color: var(--slate); font-size: 16px; margin: 0; max-width: 720px; }

/* ---------- CTA strip ---------- */
.cta-strip {
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(600px 400px at 80% 50%, rgba(201,163,90,0.18), transparent 60%);
}
.cta-strip-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 40px;
  align-items: center;
  padding: 80px 0;
}
.cta-strip h2 { color: var(--white); }
.cta-strip h2 em { color: var(--gold); font-style: italic; font-weight: 400; }
.cta-strip-inner p { color: rgba(255,255,255,0.75); margin-top: 18px; max-width: 520px; }
.cta-strip-actions { display: flex; gap: 14px; justify-content: flex-end; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-deep); color: rgba(255,255,255,0.7); padding: 80px 0 32px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 60px;
}
.footer h4 {
  color: var(--white); font-family: 'Inter', sans-serif;
  font-size: 12.5px; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 600;
  margin-bottom: 22px;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 12px; }
.footer-col a { color: rgba(255,255,255,0.7); font-size: 14px; transition: color .15s; }
.footer-col a:hover { color: var(--gold); }
.footer-brand { max-width: 360px; }
.footer-brand img { height: 56px; filter: brightness(0) invert(1); margin-bottom: 20px; opacity: 0.95; }
.footer-brand .desc { font-size: 14px; color: rgba(255,255,255,0.6); line-height: 1.6; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12.5px; color: rgba(255,255,255,0.5);
  flex-wrap: wrap; gap: 16px;
}
.footer-bottom a { color: rgba(255,255,255,0.65); margin-left: 22px; }
.footer-bottom a:hover { color: var(--gold); }

/* ---------- Page banner (sub pages) ---------- */
.page-banner {
  background: linear-gradient(180deg, #0B1F3E, #0F2A52);
  color: var(--white);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
}
.page-banner::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(700px 300px at 80% 100%, rgba(201,163,90,0.18), transparent 60%);
  pointer-events: none;
}
.page-banner-inner { position: relative; }
.page-banner h1 { color: var(--white); font-size: clamp(40px, 5vw, 64px); }
.page-banner h1 em { color: var(--gold); font-style: italic; font-weight: 400; }
.page-banner .lead { font-size: 18px; color: rgba(255,255,255,0.78); margin-top: 18px; max-width: 640px; }
.crumbs {
  font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 24px;
}
.crumbs a { color: var(--gold); }
.crumbs span { margin: 0 10px; color: rgba(255,255,255,0.3); }

/* ---------- Apply page form ---------- */
.apply-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: start;
}
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 48px;
  box-shadow: var(--shadow-soft);
}
.stepper {
  display: flex; align-items: center; gap: 8px;
  margin-bottom: 36px;
}
.step-pill {
  flex: 1;
  display: flex; align-items: center; gap: 10px;
}
.step-pill .dot {
  width: 28px; height: 28px;
  border: 1px solid var(--line-strong);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 600;
  color: var(--slate);
  flex-shrink: 0;
  transition: all .2s;
}
.step-pill.active .dot { background: var(--navy); border-color: var(--navy); color: var(--white); }
.step-pill.done .dot { background: var(--gold); border-color: var(--gold); color: var(--navy); }
.step-pill .lbl { font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--slate); font-weight: 600; }
.step-pill.active .lbl, .step-pill.done .lbl { color: var(--navy); }
.step-bar { flex: 1; height: 1px; background: var(--line-strong); }
.step-bar.done { background: var(--gold); }

.form-group { margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
label.field-label {
  display: block;
  font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase; font-weight: 600;
  color: var(--navy); margin-bottom: 8px;
}
.input, .select, .textarea {
  width: 100%;
  padding: 14px 16px;
  font-family: inherit;
  font-size: 15px;
  border: 1px solid var(--line-strong);
  background: var(--paper);
  color: var(--navy-ink);
  border-radius: 0;
  transition: border-color .15s, background .15s;
}
.input:focus, .select:focus, .textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--white);
}
.input.error { border-color: #c14a4a; background: #fbf2f2; }
.error-msg { color: #c14a4a; font-size: 12.5px; margin-top: 6px; }
.help { font-size: 12.5px; color: var(--slate); margin-top: 6px; }

.option-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px;
}
.option {
  padding: 18px 14px;
  border: 1px solid var(--line-strong);
  background: var(--paper);
  text-align: center;
  cursor: pointer;
  transition: all .15s;
  font-size: 14px;
  color: var(--navy);
  font-weight: 500;
}
.option:hover { border-color: var(--gold); }
.option.selected {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}
.option .sub { display: block; font-size: 11px; opacity: 0.7; margin-top: 4px; letter-spacing: 0.08em; text-transform: uppercase; }

.form-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--line); }

.form-side h3 { margin-bottom: 16px; }
.side-list { list-style: none; padding: 0; margin: 0 0 28px; }
.side-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
  display: flex; gap: 14px; align-items: flex-start;
}
.side-list .ck {
  width: 22px; height: 22px; border: 1px solid var(--gold); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold-deep); font-weight: 700;
}
.side-list .t {
  font-family: 'Cormorant Garamond', serif; font-size: 18px; color: var(--navy);
  display: block;
}
.side-list .d { font-size: 13px; color: var(--slate); }

.success-card {
  text-align: center;
  padding: 60px 40px;
}
.success-card .seal {
  width: 80px; height: 80px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-size: 36px; font-weight: 700;
  margin: 0 auto 28px;
}
.success-card h2 { margin-bottom: 12px; }
.success-card .ref {
  display: inline-block;
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  letter-spacing: 0.16em;
  color: var(--gold-deep);
  border: 1px dashed var(--gold);
  padding: 14px 28px;
  margin: 24px 0 32px;
}

/* ---------- About page ---------- */
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.values {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0;
  border-top: 1px solid var(--line-strong);
  border-bottom: 1px solid var(--line-strong);
}
.value {
  padding: 40px 32px;
  border-right: 1px solid var(--line-strong);
}
.value:last-child { border-right: none; }
.value-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 14px;
  color: var(--gold-deep);
  letter-spacing: 0.18em;
  display: block;
  margin-bottom: 14px;
}
.value h3 { font-size: 26px; margin-bottom: 10px; }
.value p { font-size: 14.5px; color: var(--slate); margin: 0; }

.team {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.member {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px;
  text-align: center;
}
.member-photo {
  width: 120px; height: 120px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--cream-2), var(--gold-soft));
  margin: 0 auto 20px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 36px;
  color: var(--navy);
  font-weight: 600;
  border: 2px solid var(--gold);
}
.member h4 { font-family: 'Cormorant Garamond', serif; font-size: 24px; font-weight: 500; margin-bottom: 4px; }
.member .role { font-size: 12px; color: var(--gold-deep); letter-spacing: 0.16em; text-transform: uppercase; margin-bottom: 16px; }
.member .bio { font-size: 14px; color: var(--slate); margin: 0; }

/* ---------- Image placeholder ---------- */
.placeholder {
  background:
    repeating-linear-gradient(45deg,
      var(--cream) 0, var(--cream) 12px,
      var(--cream-2) 12px, var(--cream-2) 24px);
  border: 1px solid var(--line-strong);
  display: flex; align-items: center; justify-content: center;
  color: var(--slate);
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  min-height: 320px;
}
.placeholder.dark {
  background:
    repeating-linear-gradient(45deg,
      rgba(255,255,255,0.03) 0, rgba(255,255,255,0.03) 12px,
      rgba(255,255,255,0.05) 12px, rgba(255,255,255,0.05) 24px);
  border-color: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.5);
}

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.in {
  opacity: 1; transform: translateY(0);
}

/* ---------- Page transition ---------- */
.page-fade {
  animation: pageFade .35s ease;
}
@keyframes pageFade {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; gap: 60px; padding: 70px 32px 90px; }
  .partners-hero-grid { grid-template-columns: 1fr !important; gap: 60px !important; }
  .partner-features { grid-template-columns: 1fr 1fr !important; }
  .partner-features > div:nth-child(2) { border-right: none !important; }
  .partner-features > div:nth-child(3) { padding-left: 0 !important; border-right: 1px solid var(--line-strong) !important; }
  .partner-features > div:nth-child(4) { padding-left: 36px !important; }
  .rep-grid { grid-template-columns: 1fr !important; gap: 40px !important; }
  .solutions { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .step:nth-child(2) { border-right: none; }
  .step:nth-child(3) { border-right: 1px solid var(--line-strong); padding-left: 0; }
  .step:nth-child(4) { padding-left: 36px; }
  .industries { grid-template-columns: 1fr 1fr; }
  .testimonial-wrap { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .compare-row { grid-template-columns: 1fr; }
  .compare-row > div { padding: 16px 20px; }
  .apply-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .values { grid-template-columns: 1fr; }
  .value { border-right: none; border-bottom: 1px solid var(--line-strong); }
  .value:last-child { border-bottom: none; }
  .team { grid-template-columns: 1fr; }
  .cta-strip-inner { grid-template-columns: 1fr; padding: 60px 0; }
  .cta-strip-actions { justify-content: flex-start; }
  .nav { display: none; }
  .mobile-toggle {
    display: flex; align-items: center; justify-content: center;
    width: 44px; height: 44px;
    background: var(--navy); color: var(--white);
  }
  .nav.open {
    display: flex; flex-direction: column;
    position: absolute;
    top: 92px; left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 24px 32px;
    gap: 18px;
  }
  .header-cta .header-phone { display: none; }
  .topbar-left .ext { display: none; }
  section { padding: 70px 0; }
  .form-card { padding: 28px; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .option-grid { grid-template-columns: 1fr 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .container, .container-narrow { padding: 0 22px; }
  .industries { grid-template-columns: 1fr; }
  .partner-features { grid-template-columns: 1fr !important; }
  .partner-features > div { border-right: none !important; padding-left: 0 !important; padding-right: 0 !important; border-bottom: 1px solid var(--line-strong); }
  .partner-features > div:last-child { border-bottom: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-bottom a { margin-left: 0; margin-right: 18px; }
  .calc-tier-row { grid-template-columns: 1fr; }
  .topbar-inner { font-size: 11px; gap: 8px; }
}