/* ============================================================
   Private Lender Technologies — editorial design system
   Aesthetic: print dossier in charcoal + gold. Ink + light surface,
   hairline rules, ledger-mono annotations, a gold accent spot.
   Palette: #222831 (ink) · #393E46 (slate) · #FFD369 (gold) · #EEEEEE (surface)
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* color — charcoal + gold palette: #222831 #393E46 #FFD369 #EEEEEE */
  --paper:        #eeeeee;
  --paper-2:      #e7e7e7;   /* alt sections / panels */
  --paper-3:      #e0e0e0;   /* hairline-heavy panels / footer */
  --ink:          #222831;   /* headlines / strong / dark sections */
  --ink-2:        #393e46;   /* secondary dark surface */
  --ink-soft:     #393e46;   /* body text on light */
  --ink-faint:    #5b626c;   /* secondary / labels on light */
  --ink-line:     rgba(34, 40, 49, 0.16);
  --ink-line-2:   rgba(34, 40, 49, 0.30);
  --accent:       #ffd369;   /* gold spot — marks, fills, accents on dark */
  --accent-ink:   #222831;   /* accent TEXT on light = ink (gold fails AA on light) */
  --accent-soft:  rgba(255, 211, 105, 0.22);  /* gold tint behind dark text */
  --paper-on-ink: #eeeeee;   /* light text on dark */
  --faint-on-ink: #9aa0aa;   /* muted light on dark */

  /* type scale — brand base (14/16/18/24/32/40) extended for editorial display */
  --t-mono:   0.78rem;
  --t-sm:     0.875rem;  /* 14 */
  --t-base:   1rem;      /* 16 */
  --t-md:     1.125rem;  /* 18 */
  --t-lg:     1.5rem;    /* 24 */
  --t-xl:     2rem;      /* 32 */
  --t-2xl:    2.5rem;    /* 40 */
  --t-display: clamp(2.75rem, 1.4rem + 5.4vw, 5.75rem);
  --t-section: clamp(1.9rem, 1.1rem + 3vw, 3.25rem);

  /* spacing — 4/8/12/16/24/32 extended */
  --s-1: 4px;  --s-2: 8px;  --s-3: 12px; --s-4: 16px;
  --s-6: 24px; --s-8: 32px; --s-12: 48px; --s-16: 64px;
  --s-24: 96px; --s-32: 128px;

  --maxw: 1180px;
  --radius: 3px;
  --shadow-paper: 0 1px 0 rgba(34,40,49,.04), 0 18px 40px -28px rgba(34,40,49,.55);

  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans:  "Hanken Grotesk", system-ui, -apple-system, sans-serif;
  --mono:  "IBM Plex Mono", ui-monospace, "SFMono-Regular", monospace;
  --label: "Space Grotesk", "Hanken Grotesk", system-ui, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

body {
  font-family: var(--sans);
  font-size: var(--t-base);
  line-height: 1.6;
  color: var(--ink-soft);
  background-color: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

/* paper grain — subtle turbulence over the whole page */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  opacity: 0.5;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.045'/%3E%3C/svg%3E");
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button { font: inherit; cursor: pointer; }

/* ---------- Layout helpers ---------- */
.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: clamp(20px, 5vw, 56px);
  position: relative;
  z-index: 2;
}

.section { padding-block: clamp(var(--s-16), 9vw, var(--s-32)); position: relative; }
.section + .section { border-top: 1px solid var(--ink-line); }
.section-alt { background: var(--paper-2); }
.section-ink {
  background: var(--ink);
  color: var(--paper-on-ink);
}
.section-ink::after { /* faint ledger lines on dark sections */
  content: "";
  position: absolute; inset: 0;
  background-image: repeating-linear-gradient(
    to bottom, transparent 0 47px, rgba(238,238,238,.04) 47px 48px);
  pointer-events: none;
}

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--ink); color: var(--paper);
  padding: var(--s-3) var(--s-4); z-index: 1000;
  text-decoration: none; border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

/* ---------- Crop marks ---------- */
.crop-marks .cm {
  position: fixed; width: 16px; height: 16px; z-index: 30;
  pointer-events: none; opacity: .5;
}
.cm-tl { top: 14px; left: 14px; border-top: 1px solid var(--ink-line-2); border-left: 1px solid var(--ink-line-2); }
.cm-tr { top: 14px; right: 14px; border-top: 1px solid var(--ink-line-2); border-right: 1px solid var(--ink-line-2); }
.cm-bl { bottom: 14px; left: 14px; border-bottom: 1px solid var(--ink-line-2); border-left: 1px solid var(--ink-line-2); }
.cm-br { bottom: 14px; right: 14px; border-bottom: 1px solid var(--ink-line-2); border-right: 1px solid var(--ink-line-2); }
@media (max-width: 700px) { .crop-marks { display: none; } }

/* ---------- Typography primitives ---------- */
.eyebrow, .plate, .marquee-label, .spec-plate, .spec-no, .stat-lbl,
.pillar-no, .step-no, .opt {
  font-family: var(--label);
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: var(--t-mono);
  font-weight: 500;
}

/* ampersand sits in the serif so it matches its heading */
.amp { font-family: var(--serif); }

.plate {
  color: var(--accent-ink);
  margin-bottom: var(--s-6);
  display: inline-flex; align-items: center; gap: var(--s-3);
}
.plate::before {
  content: ""; width: 28px; height: 1px; background: var(--accent);
}
.plate-light { color: #FFD369; }
.plate-light::before { background: #FFD369; }

.section-title {
  font-family: var(--serif);
  font-weight: 600;
  font-size: var(--t-section);
  line-height: 1.06;
  letter-spacing: -0.015em;
  color: var(--ink);
  max-width: 18ch;
}
.section-title-light { color: var(--paper-on-ink); }

.section-lede {
  font-size: var(--t-md);
  max-width: 56ch;
  margin-top: var(--s-6);
  color: var(--ink-soft);
}
.section-lede-light { color: var(--faint-on-ink); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: var(--s-2);
  font-family: var(--sans);
  font-weight: 600;
  font-size: var(--t-sm);
  letter-spacing: 0.01em;
  padding: 14px 24px;
  border: 1px solid var(--ink);
  border-radius: var(--radius);
  text-decoration: none;
  transition: transform .18s ease, background-color .18s ease, color .18s ease, box-shadow .18s ease;
  will-change: transform;
}
.btn-ink { background: var(--accent); color: var(--ink); border-color: var(--accent); }
.btn-ink:hover { transform: translateY(-2px); box-shadow: 0 10px 22px -12px rgba(34,40,49,.4); background: #ffdc85; border-color: #ffdc85; }
.btn-ghost {
  background: transparent; color: var(--ink);
  border-color: var(--ink-line-2);
}
.btn-ghost:hover { transform: translateY(-2px); border-color: var(--ink); background: var(--accent-soft); }
.btn-paper {
  background: var(--paper); color: var(--ink); border-color: var(--paper);
}
.btn-paper:hover { transform: translateY(-2px); background: #fff; box-shadow: 0 12px 26px -14px rgba(0,0,0,.7); }
.btn-block { width: 100%; padding-block: 16px; }

.link-arrow {
  font-weight: 600; color: var(--accent-ink); text-decoration: none;
  border-bottom: 1px solid var(--accent-soft);
  padding-bottom: 2px; transition: border-color .2s, gap .2s;
}
.link-arrow:hover { border-color: var(--accent); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: rgba(238,238,238,.82);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--ink-line);
}
.header-inner {
  display: flex; align-items: center; gap: var(--s-6);
  padding-block: 14px;
}
.brand { display: flex; align-items: center; gap: var(--s-3); text-decoration: none; color: var(--ink); }
.brand-mark {
  width: 38px; height: 38px; flex: none; display: block;
}
.brand-name {
  font-family: var(--serif); font-weight: 600; font-size: .92rem;
  line-height: 1.04; letter-spacing: -.01em;
}
.nav { display: flex; gap: clamp(14px, 2vw, 30px); margin-left: auto; }
.nav a {
  text-decoration: none; color: var(--ink-soft); font-weight: 500;
  font-size: var(--t-sm); position: relative; padding-block: 4px;
}
.nav a::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 1.5px; width: 0;
  background: var(--ink); transition: width .22s ease;
}
.nav a:hover { color: var(--ink); }
.nav a:hover::after, .nav a.is-active::after { width: 100%; }
.nav a.is-active { color: var(--ink); }
.nav-cta { padding: 10px 18px; }

.menu-toggle {
  display: none; background: none; border: 1px solid var(--ink-line-2);
  border-radius: var(--radius); width: 42px; height: 38px; padding: 0;
  flex-direction: column; gap: 4px; align-items: center; justify-content: center;
}
.menu-toggle span { width: 18px; height: 1.8px; background: var(--ink); transition: .2s; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(5.8px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-5.8px) rotate(-45deg); }

.mobile-nav {
  display: none; flex-direction: column; gap: 2px;
  padding: var(--s-4) clamp(20px, 5vw, 56px) var(--s-8);
  border-top: 1px solid var(--ink-line);
}
.mobile-nav a {
  text-decoration: none; color: var(--ink); font-weight: 600;
  font-family: var(--serif); font-size: var(--t-lg);
  padding-block: 10px; border-bottom: 1px solid var(--ink-line);
}
.mobile-nav .btn { margin-top: var(--s-4); font-family: var(--sans); font-size: var(--t-sm); }

/* ---------- Hero ---------- */
.hero { padding-block: clamp(var(--s-16), 8vw, 120px) clamp(var(--s-12), 6vw, var(--s-24)); }
.hero-grid {
  display: grid; grid-template-columns: 1.35fr 1fr;
  gap: clamp(var(--s-8), 5vw, var(--s-24)); align-items: center;
}
.eyebrow { color: var(--accent-ink); display: block; margin-bottom: var(--s-6); }
.hero h1 {
  font-family: var(--serif); font-weight: 600;
  font-size: var(--t-display); line-height: .98;
  letter-spacing: -0.025em; color: var(--ink);
}
.lede {
  font-size: clamp(1.05rem, .98rem + .4vw, 1.3rem);
  line-height: 1.55; max-width: 50ch; margin-top: var(--s-6);
  color: var(--ink-soft);
}
.lede strong { color: var(--ink); font-weight: 700; }
.hero-actions { display: flex; flex-wrap: wrap; gap: var(--s-3); margin-top: var(--s-8); }
.hero-connect {
  font-family: var(--mono); font-size: var(--t-sm); color: var(--ink-faint);
  margin-top: var(--s-6); letter-spacing: .01em; line-height: 1.5; max-width: 48ch;
}
.hero-connect strong {
  color: var(--ink); font-weight: 600;
  background: linear-gradient(transparent 64%, rgba(255,211,105,.55) 0);
  padding: 0 .12em;
}

.hero-stats {
  display: flex; flex-wrap: wrap; gap: var(--s-8);
  list-style: none; padding: 0; margin-top: var(--s-12);
  border-top: 1px solid var(--ink-line); padding-top: var(--s-6);
}
.hero-stats li { display: flex; flex-direction: column; gap: 2px; }
.stat-num { font-family: var(--serif); font-weight: 600; font-size: var(--t-xl); color: var(--ink); line-height: 1; }
.stat-lbl { color: var(--ink-faint); font-size: .7rem; }

/* spec card */
.spec-card {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--ink-line-2);
  border-radius: var(--radius);
  padding: var(--s-8) var(--s-8) var(--s-6);
  box-shadow: var(--shadow-paper);
  transform: rotate(.6deg);
}
.spec-card::before { /* taped corner accent */
  content: ""; position: absolute; top: -1px; left: 28px; right: 28px; height: 3px;
  background: var(--accent); opacity: .8;
}
.spec-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: var(--s-4); }
.spec-plate { color: var(--ink-faint); }
.spec-no { color: var(--accent-ink); }
.spec-title {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-lg);
  line-height: 1.12; color: var(--ink); margin-bottom: var(--s-6);
  max-width: 22ch;
}
.spec-rows { display: grid; gap: 0; }
.spec-rows > div {
  display: flex; align-items: baseline; gap: var(--s-3);
  padding-block: 9px; border-bottom: 1px dotted var(--ink-line-2);
}
.spec-rows dt { font-family: var(--label); font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-faint); white-space: nowrap; }
.spec-rows dd {
  margin-left: auto; font-family: var(--serif); font-style: italic;
  font-weight: 500; color: var(--ink); font-size: var(--t-md);
}
.spec-foot { font-size: var(--t-sm); color: var(--ink-faint); margin-top: var(--s-4); line-height: 1.45; }

/* rubber stamp */
.spec-stamp {
  position: absolute; top: -22px; right: -16px; z-index: 3;
  width: 92px; height: 92px; border-radius: 50%;
  border: 2px solid var(--ink); color: var(--ink);
  display: grid; place-items: center; text-align: center;
  transform: rotate(-13deg);
  font-family: var(--mono); font-weight: 600; font-size: .68rem;
  text-transform: uppercase; letter-spacing: .1em; line-height: 1.25;
  background: rgba(238,238,238,.6);
  box-shadow: inset 0 0 0 1px rgba(255,211,105,.25);
  opacity: .92;
}
.spec-stamp-sm { width: 76px; height: 76px; font-size: .6rem; top: -18px; right: -10px; }

/* ---------- Marquee ---------- */
.marquee-wrap {
  border-block: 1px solid var(--ink-line);
  background: var(--paper-3);
  padding-block: var(--s-4);
  display: flex; align-items: center; gap: var(--s-4);
  overflow: hidden; position: relative; z-index: 2;
}
.marquee-label {
  font-family: var(--label); text-transform: uppercase; letter-spacing: .14em;
  font-size: var(--t-mono); color: var(--ink-faint); white-space: nowrap;
  padding-left: clamp(20px, 5vw, 56px); flex: none;
}
.marquee { overflow: hidden; flex: 1; -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.marquee-track {
  display: inline-flex; align-items: center; gap: var(--s-4);
  white-space: nowrap; animation: scroll-x 48s linear infinite;
  font-family: var(--serif); font-size: var(--t-md); color: var(--ink);
}
.marquee-track span { font-weight: 500; }
.marquee-track i { color: var(--ink-faint); font-style: normal; }
.marquee-wrap:hover .marquee-track { animation-play-state: paused; }
@keyframes scroll-x { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .marquee-track { animation: none; }
}

/* ---------- Problem ---------- */
.problem-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: clamp(var(--s-8), 5vw, var(--s-16));
  align-items: start;
}
.problem-body p { max-width: 58ch; }
.problem-body p + p { margin-top: var(--s-4); }
.problem-body em { font-style: italic; color: var(--ink); }
.problem-kicker {
  font-family: var(--serif); font-size: var(--t-md); font-weight: 500;
  color: var(--ink); border-left: 3px solid var(--accent); padding-left: var(--s-4);
  margin-top: var(--s-6) !important;
}
.pain-list {
  list-style: none; padding: 0; margin-top: var(--s-12);
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
  border-top: 1px solid var(--ink-line);
}
.pain-list li {
  display: flex; gap: var(--s-3); align-items: baseline;
  padding: var(--s-6) var(--s-6) var(--s-6) 0;
  border-bottom: 1px solid var(--ink-line);
  font-size: var(--t-md); color: var(--ink-soft);
}
.pain-list li:nth-child(odd) { border-right: 1px solid var(--ink-line); padding-right: var(--s-8); }
.pain-list li:nth-child(even) { padding-left: var(--s-8); }
.pain-no { color: var(--accent-ink); font-family: var(--mono); font-weight: 600; flex: none; }

/* ---------- Lender grid ---------- */
.lender-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1px; margin-top: var(--s-12);
  background: var(--ink-line); border: 1px solid var(--ink-line);
}
.lender-card {
  background: var(--paper-2); padding: var(--s-8);
  transition: background-color .25s ease;
}
.section-alt .lender-card { background: var(--paper); }
.lender-card:hover { background: #fff; }
.lender-card h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-lg);
  color: var(--ink); margin-bottom: var(--s-4);
  padding-bottom: var(--s-3); border-bottom: 1px solid var(--ink-line);
}
.tags { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 7px; }
.tags li {
  font-size: var(--t-sm); color: var(--ink-soft);
  padding-left: var(--s-4); position: relative;
}
.tags li::before {
  content: "–"; position: absolute; left: 0; color: var(--ink-faint); font-weight: 600;
}
.lender-card-cta { background: var(--ink); color: var(--paper-on-ink); display: flex; flex-direction: column; }
.section-alt .lender-card-cta { background: var(--ink); }
.lender-card-cta:hover { background: #000; }
.lender-card-cta h3 { color: #fff; border-color: rgba(238,238,238,.18); }
.lender-card-cta p { font-size: var(--t-sm); color: var(--faint-on-ink); margin-bottom: var(--s-6); }
.lender-card-cta .link-arrow { color: #FFD369; border-color: rgba(255,211,105,.3); margin-top: auto; }
.lender-card-cta .link-arrow:hover { border-color: #FFD369; }

/* ---------- Service cards (What we do) ---------- */
.service-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: var(--s-6); margin-top: var(--s-12);
}
.service-card {
  border: 1px solid var(--ink-line-2); border-radius: var(--radius);
  padding: var(--s-8); background: var(--paper);
  position: relative; display: flex; flex-direction: column;
  transition: transform .25s ease, box-shadow .25s ease;
}
.section-alt .service-card { background: var(--paper-2); }
.service-card::before { /* gold tab, echoes the spec/int cards */
  content: ""; position: absolute; top: -1px; left: var(--s-8); width: 26px; height: 3px;
  background: var(--accent); opacity: .8;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-paper); }
.service-no { color: var(--accent-ink); font-size: var(--t-mono); display: block; margin-bottom: var(--s-3); }
.service-card h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-xl);
  color: var(--ink); line-height: 1.05; margin-bottom: var(--s-3);
}
.service-card p { font-size: var(--t-base); color: var(--ink-soft); margin-bottom: var(--s-6); max-width: 46ch; }
.service-card .link-arrow { margin-top: auto; align-self: flex-start; }

/* ---------- Capital band (secondary service line) ---------- */
.capital-band {
  margin-top: var(--s-6);
  display: grid; grid-template-columns: 1.6fr 1fr;
  gap: clamp(var(--s-6), 4vw, var(--s-12)); align-items: center;
  background: var(--ink); color: var(--paper-on-ink);
  border-radius: var(--radius); padding: clamp(var(--s-8), 4vw, var(--s-12));
  box-shadow: var(--shadow-paper); position: relative; overflow: hidden;
}
.capital-band::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: repeating-linear-gradient(to bottom, transparent 0 47px, rgba(238,238,238,.04) 47px 48px);
}
.capital-main { position: relative; z-index: 1; }
.capital-main h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-2xl);
  color: var(--paper-on-ink); line-height: 1.1; letter-spacing: -.015em;
  margin: var(--s-3) 0; max-width: 20ch;
}
.capital-main p { color: var(--faint-on-ink); font-size: var(--t-md); max-width: 56ch; }
.capital-note {
  position: relative; z-index: 1;
  font-family: var(--mono); font-size: .72rem; line-height: 1.55;
  color: var(--faint-on-ink); padding-left: var(--s-6);
  border-left: 2px solid rgba(255,211,105,.4);
}

/* ---------- Services foot (à la carte / bundled CTA) ---------- */
.services-foot {
  margin-top: var(--s-12); padding-top: var(--s-8);
  border-top: 1px solid var(--ink-line);
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: var(--s-6);
}
.services-foot p { font-size: var(--t-md); color: var(--ink-soft); max-width: 60ch; }
.services-foot strong { color: var(--ink); }
.services-foot .btn { flex: none; }

/* ---------- Pillars ---------- */
.pillars {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: var(--s-6); margin-top: var(--s-12);
}
.pillar {
  border: 1px solid var(--ink-line-2); border-radius: var(--radius);
  padding: var(--s-8); background: var(--paper);
  position: relative; transition: transform .25s ease, box-shadow .25s ease;
}
.pillar:hover { transform: translateY(-4px); box-shadow: var(--shadow-paper); }
.pillar-no {
  color: var(--accent-ink); font-size: var(--t-mono);
  display: block; margin-bottom: var(--s-4);
}
.pillar h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-xl);
  color: var(--ink); line-height: 1;
}
.pillar > p { font-size: var(--t-sm); color: var(--ink-faint); margin-top: var(--s-2); margin-bottom: var(--s-6); }
.spec-leaders { list-style: none; padding: 0; }
.spec-leaders li {
  display: flex; align-items: baseline; gap: var(--s-2);
  padding-block: 8px; font-size: var(--t-sm);
}
.spec-leaders li + li { border-top: 1px dotted var(--ink-line); }
.spec-leaders li > span:first-child { color: var(--ink-soft); }
.spec-leaders li > span:last-child {
  margin-left: auto; font-family: var(--label); font-size: .64rem;
  text-transform: uppercase; letter-spacing: .1em; color: var(--accent-ink);
  background: var(--accent-soft); padding: 2px 7px; border-radius: 2px; flex: none;
}
.platform-foot {
  margin-top: var(--s-12); max-width: 70ch; font-size: var(--t-md);
  color: var(--ink-soft); border-top: 1px solid var(--ink-line); padding-top: var(--s-6);
}
.platform-foot strong { color: var(--ink); }

/* ---------- Integrations ---------- */
.integrations {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: var(--s-4); margin-top: var(--s-12);
}
.int-card {
  display: flex; flex-direction: column; gap: var(--s-2);
  background: var(--paper); border: 1px solid var(--ink-line-2);
  border-radius: var(--radius); padding: var(--s-6) var(--s-6) var(--s-4);
  position: relative; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.int-card::before {
  content: ""; position: absolute; top: -1px; left: var(--s-6); width: 22px; height: 3px;
  background: var(--accent); opacity: .75;
}
.int-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-paper); border-color: var(--ink); }
.int-k { font-family: var(--serif); font-weight: 600; font-size: var(--t-md); color: var(--ink); line-height: 1.15; }
.int-v { font-family: var(--mono); font-size: .72rem; color: var(--ink-faint); letter-spacing: .01em; }

/* ---------- Broker panel ---------- */
.broker-panel {
  margin-top: var(--s-12);
  display: grid; grid-template-columns: 1fr 1fr;
  gap: clamp(var(--s-8), 4vw, var(--s-16));
  background: var(--ink); color: var(--paper-on-ink);
  border-radius: var(--radius); padding: clamp(var(--s-8), 4vw, var(--s-16));
  box-shadow: var(--shadow-paper); position: relative; overflow: hidden;
}
.broker-panel::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: repeating-linear-gradient(to bottom, transparent 0 47px, rgba(238,238,238,.04) 47px 48px);
}
.broker-copy { position: relative; z-index: 1; }
.broker-copy h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-2xl);
  color: var(--paper-on-ink); line-height: 1.08; letter-spacing: -.015em;
  margin: var(--s-4) 0; max-width: 16ch;
}
.broker-copy p { color: var(--faint-on-ink); font-size: var(--t-md); max-width: 52ch; }
.broker-list { list-style: none; padding: 0; margin: 0; align-self: center; position: relative; z-index: 1; }
.broker-list li {
  font-size: var(--t-md); color: var(--paper-on-ink);
  padding: var(--s-4) 0 var(--s-4) var(--s-8); position: relative;
  border-bottom: 1px solid rgba(238,238,238,.14);
}
.broker-list li:first-child { border-top: 1px solid rgba(238,238,238,.14); }
.broker-list li::before { content: "→"; position: absolute; left: 0; color: #FFD369; font-weight: 700; }

/* ---------- Steps / process ---------- */
.steps { list-style: none; padding: 0; margin-top: var(--s-12); counter-reset: step; }
.step {
  display: grid; grid-template-columns: 120px 1fr; gap: var(--s-8);
  padding-block: var(--s-8);
  border-top: 1px solid rgba(238,238,238,.16);
  align-items: start;
}
.step:last-child { border-bottom: 1px solid rgba(238,238,238,.16); }
.step-no {
  font-family: var(--serif); font-style: italic; font-weight: 400;
  font-size: clamp(2.4rem, 1.6rem + 2vw, 3.6rem); color: #FFD369;
  line-height: .9; letter-spacing: 0;
  text-transform: none;
}
.step-body h3 {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-xl);
  color: var(--paper-on-ink); margin-bottom: var(--s-3);
}
.step-body p { color: var(--faint-on-ink); max-width: 60ch; font-size: var(--t-md); }
.step-body em { color: var(--paper-on-ink); font-style: italic; }

/* ---------- Pricing ---------- */
.pricing-grid {
  display: grid; grid-template-columns: 1.25fr 1fr; gap: clamp(var(--s-8), 4vw, var(--s-16));
  margin-top: var(--s-8); align-items: start;
}
.work-ways {
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-4);
  margin-top: var(--s-8);
}
.way {
  border: 1px solid var(--ink-line-2); border-radius: var(--radius);
  padding: var(--s-6); background: var(--paper); position: relative;
}
.section-alt .way { background: var(--paper); }
.way-feature { border-color: var(--ink); box-shadow: var(--shadow-paper); }
.way-feature::before {
  content: "Best value"; position: absolute; top: -10px; left: var(--s-6);
  font-family: var(--label); text-transform: uppercase; letter-spacing: .12em;
  font-size: .6rem; font-weight: 600; color: var(--ink);
  background: var(--accent); padding: 3px 8px; border-radius: 2px;
}
.way-k {
  font-family: var(--serif); font-weight: 600; font-size: var(--t-lg);
  color: var(--ink); display: block; margin-bottom: var(--s-2);
}
.way p { font-size: var(--t-sm); color: var(--ink-soft); }
.price-drivers { list-style: none; padding: 0; margin-top: var(--s-8); display: grid; gap: 0; border-top: 1px solid var(--ink-line); }
.price-drivers li {
  display: grid; grid-template-columns: 150px 1fr; gap: var(--s-4);
  padding-block: var(--s-4); border-bottom: 1px solid var(--ink-line); align-items: baseline;
}
.price-drivers strong { font-family: var(--serif); font-size: var(--t-md); color: var(--ink); font-weight: 600; }
.price-drivers span { font-size: var(--t-sm); color: var(--ink-faint); }

.price-cta {
  position: relative; background: var(--ink); color: var(--paper-on-ink);
  border-radius: var(--radius); padding: var(--s-12) var(--s-8) var(--s-8);
  box-shadow: var(--shadow-paper);
}
.price-cta .spec-stamp { border-color: #FFD369; color: #FFD369; background: rgba(34,40,49,.4); box-shadow: inset 0 0 0 1px rgba(255,211,105,.25); }
.price-cta h3 { font-family: var(--serif); font-weight: 600; font-size: var(--t-lg); color: #fff; margin-bottom: var(--s-3); max-width: 18ch; }
.price-cta p { font-size: var(--t-sm); color: var(--faint-on-ink); margin-bottom: var(--s-6); }
.price-cta .btn { width: 100%; }
.price-fineprint { margin-top: var(--s-4) !important; margin-bottom: 0 !important; font-size: .8rem; text-align: center; }

/* ---------- Manifesto ---------- */
.manifesto blockquote { max-width: 640px; }
.manifesto blockquote p {
  font-family: var(--serif); font-weight: 500;
  font-size: clamp(1.5rem, 1.05rem + 1.8vw, 2.5rem); line-height: 1.2;
  letter-spacing: -.015em; color: var(--ink); max-width: none;
}
.manifesto footer { font-family: var(--label); text-transform: uppercase; letter-spacing: .12em; font-size: var(--t-mono); color: var(--ink-faint); margin-top: var(--s-8); }

/* ---------- FAQ ---------- */
.faq-list { margin-top: var(--s-12); max-width: 920px; border-top: 1px solid var(--ink-line); counter-reset: faq; }
.faq-item { border-bottom: 1px solid var(--ink-line); }
.faq-item summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: baseline; gap: var(--s-4);
  padding: var(--s-6) 0;
  font-family: var(--serif); font-weight: 600; font-size: var(--t-lg);
  color: var(--ink); line-height: 1.2; transition: color .2s ease;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::before {
  counter-increment: faq;
  content: counter(faq, decimal-leading-zero);
  font-family: var(--mono); font-size: var(--t-sm); font-weight: 500;
  color: var(--ink-faint); flex: none; padding-top: .3em; min-width: 1.6em;
}
.faq-item summary::after {
  content: "+"; margin-left: auto; flex: none;
  font-family: var(--mono); font-weight: 500; font-size: 1.5rem; line-height: 1;
  color: var(--ink); transition: transform .25s ease;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item summary:hover { color: var(--ink-soft); }
.faq-answer { padding: 0 0 var(--s-6) calc(1.6em + var(--s-4)); max-width: 72ch; }
.faq-answer p { color: var(--ink-soft); font-size: var(--t-md); }
.faq-answer p + p { margin-top: var(--s-3); }
@media (prefers-reduced-motion: reduce) { .faq-item summary, .faq-item summary::after { transition: none; } }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(var(--s-8), 5vw, var(--s-16)); align-items: start; }
.contact-points { list-style: none; padding: 0; margin-top: var(--s-8); display: grid; gap: 0; }
.contact-points li {
  font-size: var(--t-md); color: var(--paper-on-ink);
  padding: var(--s-4) 0 var(--s-4) var(--s-8); position: relative;
  border-bottom: 1px solid rgba(238,238,238,.14);
}
.contact-points li::before {
  content: "✓"; position: absolute; left: 0; color: #FFD369; font-weight: 700;
}
.contact-direct { margin-top: var(--s-8); color: var(--faint-on-ink); font-size: var(--t-sm); }
.contact-direct a { color: #FFD369; text-decoration: none; border-bottom: 1px solid rgba(255,211,105,.4); }
.contact-direct a:hover { border-color: #FFD369; }

.contact-form {
  background: var(--paper); border-radius: var(--radius);
  padding: clamp(var(--s-6), 3vw, var(--s-12));
  box-shadow: var(--shadow-paper); display: grid; gap: var(--s-4);
}
.field { display: grid; gap: 6px; }
.field[hidden] { display: none; }
.field-row { grid-template-columns: 1fr 1fr; gap: var(--s-4); }
.field-row > div { display: grid; gap: 6px; }
.field label {
  font-family: var(--label); font-size: .7rem; text-transform: uppercase;
  letter-spacing: .1em; color: var(--ink-faint);
}
.opt { letter-spacing: .04em; text-transform: none; }
.field input, .field select, .field textarea {
  font-family: var(--sans); font-size: var(--t-base); color: var(--ink);
  background: var(--paper-2); border: 1px solid var(--ink-line-2);
  border-radius: var(--radius); padding: 11px 13px; width: 100%;
  transition: border-color .18s, box-shadow .18s, background-color .18s;
}
.field textarea { resize: vertical; min-height: 96px; line-height: 1.5; }
.field input::placeholder, .field textarea::placeholder { color: var(--ink-faint); opacity: .7; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--ink);
  box-shadow: 0 0 0 3px var(--accent-soft); background: #fff;
}
.field input:invalid:not(:placeholder-shown) { border-color: #c0392b; }
.form-note { font-size: .78rem; color: var(--ink-faint); text-align: center; margin-top: -2px; }
.form-status { font-size: var(--t-sm); text-align: center; color: var(--accent-ink); min-height: 1.2em; font-weight: 600; }
.form-status.is-error { color: #c0392b; }
.form-status.is-success { color: #2c7a4a; }

/* checkbox group: "What do you need?" */
.choice-group { border: 0; padding: 0; margin: 0; min-width: 0; }
.choice-group legend {
  font-family: var(--label); font-size: .7rem; text-transform: uppercase;
  letter-spacing: .1em; color: var(--ink-faint); padding: 0; margin-bottom: 8px;
}
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.choice {
  display: flex; align-items: center; gap: var(--s-2);
  font-family: var(--sans); font-size: var(--t-sm); color: var(--ink);
  background: var(--paper-2); border: 1px solid var(--ink-line-2);
  border-radius: var(--radius); padding: 10px 12px; cursor: pointer;
  transition: border-color .18s, background-color .18s;
}
.choice:hover { border-color: var(--ink-line-2); background: #fff; }
.choice input { width: 16px; height: 16px; flex: none; accent-color: var(--ink); cursor: pointer; }
.choice:has(input:checked) { border-color: var(--ink); background: var(--accent-soft); }
.choice:has(input:focus-visible) { box-shadow: 0 0 0 3px var(--accent-soft); }

/* honeypot: visually hidden from humans, present for bots */
.hp { position: absolute; left: -9999px; top: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Footer ---------- */
.site-footer { background: var(--paper-3); border-top: 1px solid var(--ink-line-2); padding-block: var(--s-12); position: relative; z-index: 2; }
.footer-inner { display: grid; grid-template-columns: 1.4fr 1fr auto; gap: var(--s-8); align-items: start; }
.footer-brand { display: grid; gap: var(--s-3); }
.footer-lockup { display: flex; align-items: center; gap: var(--s-3); }
.footer-name { font-family: var(--serif); font-weight: 600; font-size: var(--t-md); line-height: 1.1; color: var(--ink); }
.footer-tag { font-size: var(--t-sm); color: var(--ink-faint); }
.footer-nav { display: flex; flex-direction: column; gap: var(--s-2); }
.footer-nav a { text-decoration: none; color: var(--ink-soft); font-size: var(--t-sm); width: fit-content; }
.footer-nav a:hover { color: var(--accent-ink); }
.footer-legal { font-family: var(--mono); font-size: .72rem; line-height: 1.7; color: var(--ink-faint); text-align: right; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s cubic-bezier(.2,.7,.2,1) var(--d, 0s), transform .7s cubic-bezier(.2,.7,.2,1) var(--d, 0s); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* focus-visible everywhere — dual ring (dark outline + gold) reads on light AND dark */
:focus-visible { outline: 2px solid var(--ink); outline-offset: 2px; box-shadow: 0 0 0 2px var(--accent); border-radius: 2px; }

/* ============================================================
   Responsive
   ============================================================ */
/* collapse the desktop nav early so 6 items never crowd the brand + CTA */
@media (max-width: 1120px) {
  .nav, .nav-cta { display: none; }
  .menu-toggle { display: flex; }
  .mobile-nav:not([hidden]) { display: flex; }
}

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .spec-card { transform: none; max-width: 460px; }
  .problem-grid { grid-template-columns: 1fr; gap: var(--s-8); }
  .service-grid { grid-template-columns: 1fr; }
  .capital-band { grid-template-columns: 1fr; gap: var(--s-6); }
  .lender-grid { grid-template-columns: repeat(2, 1fr); }
  .pillars { grid-template-columns: 1fr; }
  .integrations { grid-template-columns: repeat(2, 1fr); }
  .broker-panel { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-legal { grid-column: 1 / -1; text-align: left; }
}

@media (max-width: 760px) {
  .pain-list { grid-template-columns: 1fr; }
  .pain-list li:nth-child(odd) { border-right: none; padding-right: 0; }
  .pain-list li:nth-child(even) { padding-left: 0; }
  .lender-grid { grid-template-columns: 1fr; }
  .integrations { grid-template-columns: 1fr; }
  .step { grid-template-columns: 64px 1fr; gap: var(--s-4); }
  .work-ways { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .choices { grid-template-columns: 1fr; }
  .hero-stats { gap: var(--s-6); }
  .footer-inner { grid-template-columns: 1fr; }
}

@media (max-width: 420px) {
  .hero-stats { flex-direction: column; gap: var(--s-4); }
  .price-band { flex-wrap: wrap; }
}