:root {
  --bg: #090806;
  --bg-surface: #111009;
  --panel: rgba(255, 255, 255, 0.04);
  --panel-gold: rgba(201, 148, 26, 0.10);
  --line: rgba(255, 255, 255, 0.10);
  --line-gold: rgba(201, 148, 26, 0.30);
  --ink: #f5f0e8;
  --muted: rgba(245, 240, 232, 0.65);
  --gold: #c9941a;
  --gold-light: #dba54a;
  --gold-bright: #f0c060;
  --gold-dim: #8a6412;
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 8px;
  --shadow-gold: 0 8px 40px rgba(201, 148, 26, 0.18);
  --shadow-deep: 0 40px 80px rgba(0, 0, 0, 0.5);
}

* { box-sizing: border-box; }
html, body { min-height: 100%; }

body {
  margin: 0;
  color: var(--ink);
  font-family: "Avenir Next", "Segoe UI", Arial, sans-serif;
  background:
    radial-gradient(ellipse at 10% 0%, rgba(201, 148, 26, 0.12) 0%, transparent 40%),
    radial-gradient(ellipse at 90% 100%, rgba(201, 148, 26, 0.08) 0%, transparent 38%),
    linear-gradient(180deg, #050401 0%, #090806 40%, #0c0a07 100%);
}

.site-shell {
  width: min(1200px, calc(100% - 32px));
  margin: 0 auto;
  padding: 22px 0 80px;
}

/* ── Typography ────────────────────────────────────────────────────── */
.eyebrow {
  margin: 0 0 10px;
  letter-spacing: 0.20em;
  text-transform: uppercase;
  font-size: 0.70rem;
  font-weight: 700;
  color: var(--gold);
}

h1, h2, h3 { margin: 0; font-family: Georgia, "Times New Roman", serif; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.12; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); line-height: 1.2; }
h3 { font-size: 1.15rem; line-height: 1.35; }
p { margin: 0; }
.gold-text { color: var(--gold-light); }

/* ── Navigation ────────────────────────────────────────────────────── */
.topbar {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
  padding: 14px 28px;
  border-radius: 999px;
  background: rgba(9, 8, 6, 0.90);
  border: 1px solid var(--line-gold);
  backdrop-filter: blur(20px);
  position: sticky;
  top: 16px;
  z-index: 100;
  box-shadow: 0 4px 32px rgba(0,0,0,0.4), 0 1px 0 rgba(201,148,26,0.15) inset;
}

.brand-mark {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--ink);
}

.logo-symbol {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--gold);
  font-family: Georgia, serif;
  flex-shrink: 0;
  background: rgba(201,148,26,0.06);
}

.brand-name { display: flex; flex-direction: column; gap: 1px; }
.brand-name strong {
  font-size: 0.95rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-family: Georgia, serif;
  color: var(--ink);
  line-height: 1;
}
.brand-name span {
  font-size: 0.60rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}

.main-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.main-nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 500;
  transition: color 0.2s;
}
.main-nav a:hover { color: var(--ink); }

.topbar-cta { display: flex; align-items: center; gap: 12px; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line-gold);
  color: var(--gold);
  border-radius: 8px;
  padding: 8px 12px;
  cursor: pointer;
  font-size: 1rem;
}

/* ── Buttons ──────────────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 24px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold-dim) 100%);
  color: #0a0800;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.04em;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
  white-space: nowrap;
}
.btn-primary:hover { opacity: 0.9; transform: translateY(-1px); }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  border-radius: 999px;
  background: transparent;
  color: var(--gold-light);
  font-weight: 600;
  font-size: 0.88rem;
  letter-spacing: 0.04em;
  text-decoration: none;
  border: 1px solid var(--line-gold);
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
  white-space: nowrap;
}
.btn-ghost:hover { background: var(--panel-gold); color: var(--gold-bright); }

/* ── Hero ─────────────────────────────────────────────────────────── */
.hero {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 52px;
  align-items: center;
  padding: 72px 0 56px;
}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}
.hero-eyebrow::before, .hero-eyebrow::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line-gold);
  max-width: 60px;
}

.hero h1 { margin-bottom: 20px; }
.hero h1 .gold-text { color: var(--gold-light); }

.hero-lead {
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--muted);
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-badge-strip { display: flex; gap: 24px; flex-wrap: wrap; }
.hero-badge { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: var(--muted); }
.badge-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; flex-shrink: 0;
}

/* Hero aside card */
.hero-aside { display: flex; flex-direction: column; gap: 16px; }

.loan-card {
  background: linear-gradient(145deg, rgba(20,16,6,0.96), rgba(12,9,3,0.99));
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-gold), var(--shadow-deep);
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.loan-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}
.loan-card-title {
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
}
.status-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #22c55e;
  box-shadow: 0 0 6px rgba(34,197,94,0.6);
}

.loan-amount-label {
  font-size: 0.68rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.10em;
  margin-bottom: 4px;
}
.loan-amount-value {
  font-size: 2.1rem;
  font-weight: 800;
  font-family: Georgia, serif;
  color: var(--gold-bright);
  line-height: 1;
  margin-bottom: 18px;
}
.loan-amount-value span { font-size: 1rem; color: var(--muted); font-family: inherit; font-weight: 500; }

.loan-details-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}
.loan-detail-item {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
}
.loan-detail-label { font-size: 0.66rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 3px; }
.loan-detail-value { font-size: 0.90rem; font-weight: 700; color: var(--ink); }

.loan-status-chips { display: flex; gap: 8px; flex-wrap: wrap; }
.status-chip {
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.chip-approved { background: rgba(34,197,94,0.12); color: #4ade80; border: 1px solid rgba(34,197,94,0.25); }
.chip-fast { background: var(--panel-gold); color: var(--gold-light); border: 1px solid var(--line-gold); }
.chip-secure { background: rgba(99,102,241,0.12); color: #a5b4fc; border: 1px solid rgba(99,102,241,0.2); }

.quick-badge {
  background: linear-gradient(135deg, rgba(201,148,26,0.14), rgba(201,148,26,0.05));
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  text-align: center;
}
.quick-badge-headline {
  font-family: Georgia, serif;
  font-size: 1.10rem;
  font-weight: 700;
  color: var(--gold-bright);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* ── Dividers & Section ────────────────────────────────────────────── */
.gold-divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  margin: 0; border: none; opacity: 0.35;
}

.section { margin-bottom: 80px; }

.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { margin-bottom: 12px; }
.section-header p { color: var(--muted); font-size: 1rem; max-width: 540px; margin: 0 auto; line-height: 1.6; }

/* ── Signal strip ───────────────────────────────────────────────────── */
.signal-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line-gold);
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin: 0 0 72px;
}
.signal-item {
  background: var(--bg-surface);
  padding: 24px 28px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.signal-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; flex-shrink: 0;
}
.signal-text strong {
  display: block;
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.signal-text span { font-size: 0.78rem; color: var(--muted); line-height: 1.5; }

/* ── Two column panel ───────────────────────────────────────────────── */
.two-col-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  background: var(--line-gold);
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.col-panel { background: var(--bg-surface); padding: 36px; }
.col-panel-header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  background: linear-gradient(90deg, rgba(201,148,26,0.12), transparent);
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-sm);
  margin-bottom: 28px;
}
.col-panel-header strong {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}

.lend-list { display: flex; flex-direction: column; gap: 14px; list-style: none; margin: 0; padding: 0; }
.lend-item {
  display: flex; gap: 14px; align-items: flex-start;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.lend-item:last-child { border-bottom: none; padding-bottom: 0; }
.lend-item-icon {
  width: 32px; height: 32px;
  border-radius: var(--radius-sm);
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; flex-shrink: 0;
}
.lend-item-text strong { display: block; font-size: 0.88rem; font-weight: 700; color: var(--ink); margin-bottom: 2px; }
.lend-item-text span { font-size: 0.78rem; color: var(--muted); }

.why-list { display: flex; flex-direction: column; gap: 20px; list-style: none; margin: 0; padding: 0; }
.why-item { display: flex; gap: 16px; align-items: flex-start; }
.why-icon {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; flex-shrink: 0;
}
.why-text strong {
  display: block; font-size: 0.88rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--gold-light); margin-bottom: 4px;
}
.why-text span { font-size: 0.80rem; color: var(--muted); line-height: 1.5; }

/* ── Built For ──────────────────────────────────────────────────────── */
.built-for-section {
  background: var(--bg-surface);
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  padding: 36px 40px;
  margin-bottom: 80px;
}
.built-for-label {
  text-align: center;
  font-size: 0.70rem;
  letter-spacing: 0.22em;
  font-weight: 800;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 28px;
}
.built-for-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  text-align: center;
}
.built-for-item { display: flex; flex-direction: column; align-items: center; gap: 10px; }
.built-for-icon {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.built-for-item span {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  line-height: 1.3;
}

/* ── CTA Band ───────────────────────────────────────────────────────── */
.cta-band {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 44px;
  align-items: center;
  background: linear-gradient(135deg, rgba(20,15,4,0.99), rgba(14,10,2,0.99));
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  padding: 52px 48px;
  margin-bottom: 80px;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute; top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, var(--gold) 50%, transparent 100%);
}
.cta-band::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(201,148,26,0.06), transparent 60%);
  pointer-events: none;
}

.cta-left h2 { margin-bottom: 14px; }
.cta-left p { color: var(--muted); font-size: 0.92rem; line-height: 1.6; margin-bottom: 24px; }
.cta-left ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.cta-left li { display: flex; align-items: center; gap: 8px; font-size: 0.84rem; color: var(--muted); }
.cta-left li::before { content: "✓"; color: var(--gold); font-weight: 700; font-size: 0.82rem; }

.cta-center {
  display: flex; flex-direction: column;
  align-items: center; gap: 14px;
  z-index: 1; position: relative;
}
.apply-circle {
  width: 138px; height: 138px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold-dim) 100%);
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  text-align: center;
  box-shadow: 0 0 40px rgba(201,148,26,0.30), 0 0 80px rgba(201,148,26,0.10);
  text-decoration: none;
  transition: transform 0.2s, box-shadow 0.2s;
}
.apply-circle:hover {
  transform: scale(1.05);
  box-shadow: 0 0 60px rgba(201,148,26,0.45), 0 0 100px rgba(201,148,26,0.15);
}
.apply-circle strong {
  font-size: 1.4rem; font-weight: 900;
  font-family: Georgia, serif;
  color: #070500; letter-spacing: 0.04em;
  text-transform: uppercase; line-height: 1.1; display: block;
}
.apply-circle span {
  font-size: 0.66rem; font-weight: 700;
  color: rgba(8,5,0,0.65);
  letter-spacing: 0.10em; text-transform: uppercase;
}
.cta-sub {
  font-size: 0.70rem; color: var(--gold-dim);
  letter-spacing: 0.10em; text-transform: uppercase; font-weight: 600;
}

.cta-right { text-align: right; z-index: 1; }
.quote-block {
  border-right: 3px solid var(--gold);
  padding-right: 20px; margin-bottom: 20px;
}
.quote-text {
  font-family: Georgia, serif;
  font-size: 1.12rem; font-style: italic;
  color: var(--ink); line-height: 1.5; margin-bottom: 16px;
}
.quote-tagline {
  font-size: 0.68rem; font-weight: 800;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); line-height: 1.8;
}

/* ── Footer ─────────────────────────────────────────────────────────── */
.site-footer {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 32px;
  padding: 24px 36px;
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  background: var(--bg-surface);
}
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-logo-symbol {
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem; font-weight: 800;
  color: var(--gold); font-family: Georgia, serif;
}
.footer-brand-text strong {
  display: block; font-size: 0.80rem; font-weight: 800;
  letter-spacing: 0.12em; text-transform: uppercase;
  font-family: Georgia, serif; color: var(--ink);
}
.footer-brand-text span {
  font-size: 0.60rem; letter-spacing: 0.10em;
  text-transform: uppercase; color: var(--gold);
}
.footer-tagline {
  text-align: center;
  font-size: 0.68rem; font-weight: 800;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--gold-dim);
}
.footer-links { display: flex; gap: 20px; align-items: center; }
.footer-links a { color: var(--muted); text-decoration: none; font-size: 0.80rem; transition: color 0.2s; }
.footer-links a:hover { color: var(--gold-light); }
.footer-copy { font-size: 0.68rem; color: var(--muted); opacity: 0.45; }

/* ── Contact page ───────────────────────────────────────────────────── */
.contact-hero { text-align: center; padding: 72px 0 48px; }
.contact-hero h1 { margin-bottom: 16px; }
.contact-hero p { color: var(--muted); font-size: 1rem; line-height: 1.65; max-width: 520px; margin: 0 auto; }

.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 80px; }
.contact-info-panel { display: flex; flex-direction: column; gap: 18px; }
.contact-route {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 18px 20px;
  background: var(--bg-surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  transition: border-color 0.2s;
}
.contact-route:hover { border-color: var(--line-gold); }
.contact-route-icon {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--panel-gold);
  border: 1px solid var(--line-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.contact-route-text strong {
  display: block; font-size: 0.78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--gold); margin-bottom: 4px;
}
.contact-route-text span { font-size: 0.86rem; color: var(--muted); line-height: 1.5; }
.contact-route-text a { color: var(--gold-light); text-decoration: none; }

.contact-form-panel {
  background: var(--bg-surface);
  border: 1px solid var(--line-gold);
  border-radius: var(--radius-xl);
  padding: 36px;
}
.contact-form-panel h3 { margin-bottom: 24px; color: var(--gold-light); }

.form-group { margin-bottom: 18px; }
.form-group label {
  display: block; font-size: 0.74rem; font-weight: 700;
  letter-spacing: 0.10em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 6px;
}
.form-group input, .form-group textarea, .form-group select {
  width: 100%;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  color: var(--ink);
  font-size: 0.90rem;
  font-family: inherit;
  outline: none;
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { border-color: var(--gold); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group select option { background: #111009; }

/* ── Responsive ─────────────────────────────────────────────────────── */
@media (max-width: 960px) {
  .hero { grid-template-columns: 1fr; }
  .hero-aside { display: none; }
  .two-col-section { grid-template-columns: 1fr; }
  .built-for-grid { grid-template-columns: repeat(3, 1fr); }
  .cta-band { grid-template-columns: 1fr; text-align: center; }
  .cta-right { text-align: center; }
  .quote-block { border-right: none; border-left: 3px solid var(--gold); padding: 0 0 0 16px; text-align: left; }
  .signal-strip { grid-template-columns: 1fr; }
  .site-footer { grid-template-columns: 1fr; text-align: center; }
  .footer-links { justify-content: center; }
  .contact-grid { grid-template-columns: 1fr; }
  .topbar { grid-template-columns: auto 1fr; gap: 12px; padding: 12px 18px; }
  .main-nav { display: none; }
  .nav-toggle { display: block; }
  .topbar-cta .btn-ghost { display: none; }
}
@media (max-width: 600px) {
  .built-for-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-actions { flex-direction: column; }
  .cta-band { padding: 36px 24px; }
  .contact-form-panel { padding: 24px; }
}