/* ============================================================
   MOXY CAPITAL PARTNERS — styles.css
   Dark editorial direction inspired by PV:III
   ============================================================

   BRAND COLORS (swap these when you have a real brand):
   --gold:       #C9A058  ← primary accent
   --gold-light: #DEB96E  ← hover state
   --ink:        #0A0907  ← near-black background
   --ink-mid:    #111009  ← slightly lighter bg (alt sections)
   --ink-card:   #0F0E0B  ← card background
   --cream:      #F0EDE6  ← primary text
   --muted:      rgba(240,237,230,0.35) ← secondary text

   LOGO: Replace .logo-placeholder with an <img> tag when ready.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Inter:wght@300;400;500&family=Cormorant+Garamond:ital,wght@0,300;1,300&display=swap');

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --gold:        #C9A058;
  --gold-light:  #DEB96E;
  --ink:         #0A0907;
  --ink-mid:     #111009;
  --ink-card:    #0F0E0B;
  --ink-hover:   #161410;
  --cream:       #F0EDE6;
  --border:      rgba(240,237,230,0.09);
  --border-mid:  rgba(240,237,230,0.13);
  --muted-1:     rgba(240,237,230,1);
  --muted-2:     rgba(240,237,230,0.85);
  --muted-3:     rgba(240,237,230,0.65);
  --font-display: 'Bebas Neue', Impact, sans-serif;
  --font-serif:  'Cormorant Garamond', Georgia, serif;
  --font-sans:   'Inter', system-ui, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  font-weight: 300;
  background: var(--ink);
  color: var(--cream);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* ---- BUTTONS ---- */
.btn-gold {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  background: var(--gold);
  color: var(--ink);
  padding: 13px 26px;
  text-decoration: none;
  transition: background 0.2s;
  white-space: nowrap;
}
.btn-gold:hover { background: var(--gold-light); }

.btn-outline {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 400;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--muted-1);
  text-decoration: none;
  border-bottom: 0.5px solid rgba(240,237,230,0.3);
  padding-bottom: 2px;
  transition: color 0.2s, border-color 0.2s;
  white-space: nowrap;
}
.btn-outline:hover { color: var(--cream); border-color: rgba(240,237,230,0.7); }

.btn-bordered {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 400;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--cream);
  border: 0.5px solid rgba(240,237,230,0.3);
  padding: 12px 22px;
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s;
}
.btn-bordered:hover { border-color: var(--cream); }

/* ---- LOGO PLACEHOLDER ---- */
/*
  When you have a real logo:
  1. Delete .logo-placeholder styles
  2. Replace <div class="logo-placeholder"> in HTML with:
     <img src="logo.svg" alt="Moxy Capital Partners" class="site-logo">
  3. Add: .site-logo { height: 32px; width: auto; }
*/
.logo-placeholder {
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-mark {
  width: 32px;
  height: 32px;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 16px;
  color: var(--gold);
  letter-spacing: 0.05em;
  flex-shrink: 0;
}
.logo-text {
  font-family: var(--font-display);
  font-size: 20px;
  letter-spacing: 0.1em;
  color: var(--cream);
  line-height: 1;
}
.logo-text span { color: var(--gold); }

/* ---- HEADER / NAV ---- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(10,9,7,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 0.5px solid var(--border);
  transition: border-color 0.3s;
}
.site-header.scrolled { border-color: var(--border-mid); }

.nav-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
}

.nav-links {
  display: flex;
  gap: 2.5rem;
  list-style: none;
}
.nav-links a {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #FFFFFF;
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold); }

.nav-cta {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  border: 0.5px solid rgba(201,160,88,0.4);
  padding: 9px 18px;
  transition: border-color 0.2s, background 0.2s;
}
.nav-cta:hover { border-color: var(--gold); background: rgba(201,160,88,0.08); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 1px;
  background: var(--cream);
  transition: all 0.3s;
}

.mobile-menu {
  display: none;
  background: var(--ink-mid);
  border-top: 0.5px solid var(--border);
  padding: 1.5rem 2rem 2rem;
}
.mobile-menu.open { display: block; }
.mobile-menu ul { list-style: none; }
.mobile-menu li { border-bottom: 0.5px solid var(--border); }
.mobile-menu a {
  display: block;
  padding: 1rem 0;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-1);
}
.mobile-menu a:hover { color: var(--cream); }
.mobile-menu .mobile-cta { color: var(--gold); }

/* ---- HERO ---- */
.hero {
  padding: 9rem 3rem 3.5rem;
  border-bottom: 0.5px solid var(--border);
  max-width: 1500px;
  margin: 0 auto;
}

.hero-eyebrow {
  font-size: 10px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--muted-2);
  margin-bottom: 2rem;
  display: flex;
  align-items: center;
  gap: 1rem;
}
.hero-eyebrow::after {
  content: '';
  display: inline-block;
  width: 40px;
  height: 0.5px;
  background: var(--gold);
}

.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(80px, 12vw, 160px);
  line-height: 0.9;
  letter-spacing: 0.02em;
  color: var(--cream);
}
.hero-headline em {
  color: var(--gold);
  font-style: normal;
}

.hero-bottom {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4rem;
  align-items: flex-end;
  margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 0.5px solid var(--border);
}

.hero-body {
  font-size: 14px;
  line-height: 1.85;
  color: #FFFFFF;
  max-width: 460px;
}

.hero-ctas {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  flex-shrink: 0;
}

/* ---- MARQUEE ---- */
.marquee-strip {
  border-bottom: 0.5px solid var(--border);
  padding: 0.85rem 0;
  overflow: hidden;
}

.marquee-track {
  display: flex;
  align-items: center;
  animation: marquee 26s linear infinite;
  white-space: nowrap;
}

.marquee-item {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted-3);
  flex-shrink: 0;
  padding: 0 2.5rem;
}

.marquee-dot {
  width: 3px;
  height: 3px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
  display: inline-block;
}

@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ---- COMPANY LOGO STRIP ---- */
.logo-strip {
  border-bottom: 0.5px solid var(--border);
  padding: 2rem 0 1.5rem;
  overflow: hidden;
  background: var(--ink);
}
.logo-strip-label {
  font-size: 9px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--muted-3);
  text-align: center;
  margin-bottom: 1.25rem;
}
.logo-track-wrap {
  overflow: hidden;
  position: relative;
}
.logo-track-wrap::before,
.logo-track-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.logo-track-wrap::before {
  left: 0;
  background: linear-gradient(to right, var(--ink), transparent);
}
.logo-track-wrap::after {
  right: 0;
  background: linear-gradient(to left, var(--ink), transparent);
}
.logo-track {
  display: flex;
  align-items: center;
  animation: logoScroll 28s linear infinite;
  white-space: nowrap;
  width: max-content;
}
.logo-item {
  display: flex;
  align-items: center;
  padding: 0 3rem;
  border-right: 0.5px solid var(--border);
  flex-shrink: 0;
  opacity: 0.35;
  transition: opacity 0.3s;
}
.logo-item:hover { opacity: 0.75; }
.logo-svg {
  height: 52px;
  width: auto;
  color: var(--cream);
  display: block;
}
@keyframes logoScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ---- STATS ROW ---- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-bottom: 0.5px solid var(--border);
  max-width: 1500px;
  margin: 0 auto;
}

.stat-cell {
  padding: 2rem 3rem;
  border-right: 0.5px solid var(--border);
}
.stat-cell:last-child { border-right: none; }

.stat-num {
  font-family: var(--font-display);
  font-size: 48px;
  letter-spacing: 0.02em;
  color: var(--cream);
  display: block;
  line-height: 1;
}

.stat-label {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-3);
  margin-top: 8px;
  display: block;
}

/* ---- SECTION SHARED ---- */
.section {
  padding: 4rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
}

.section-alt {
  background: var(--ink-mid);
  border-top: 0.5px solid var(--border);
  border-bottom: 0.5px solid var(--border);
}
.section-alt .section { padding: 4rem 3rem; }

.section-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 2.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 0.5px solid var(--border);
}

.section-eyebrow {
  font-size: 10px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.4rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: 42px;
  letter-spacing: 0.03em;
  color: var(--cream);
  line-height: 1;
}

.section-link {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-2);
  border-bottom: 0.5px solid var(--border-mid);
  padding-bottom: 2px;
  transition: color 0.2s;
}
.section-link:hover { color: var(--cream); }

/* ---- DEALS GRID ---- */
.deals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
}

.deal-card {
  background: var(--ink);
  padding: 2rem;
  transition: background 0.3s;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.deal-card:hover { background: var(--ink-hover); }

.deal-tag {
  font-size: 9px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
}

.deal-name {
  font-family: var(--font-display);
  font-size: 26px;
  letter-spacing: 0.04em;
  color: var(--cream);
  line-height: 1.05;
}

.deal-location {
  font-size: 12px;
  color: var(--muted-2);
}

.deal-divider {
  width: 100%;
  height: 0.5px;
  background: var(--border);
}

.deal-stats {
  display: flex;
  gap: 2rem;
}

.deal-stat-val {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--cream);
  display: block;
  line-height: 1;
}

.deal-stat-lbl {
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted-3);
  margin-top: 5px;
  display: block;
}

/* ---- STATEMENT ---- */
.statement-section {
  background: var(--ink-mid);
  border-top: 0.5px solid var(--border);
  border-bottom: 0.5px solid var(--border);
  padding: 5rem 3rem;
}

.statement-inner {
  max-width: 1500px;
  margin: 0 auto;
}

.statement-quote {
  font-family: var(--font-serif);
  font-size: clamp(26px, 3.5vw, 44px);
  font-weight: 300;
  font-style: italic;
  color: var(--cream);
  line-height: 1.45;
  max-width: 820px;
  margin-bottom: 1.5rem;
}
.statement-quote em {
  color: var(--gold);
  font-style: normal;
}

.statement-attr {
  font-size: 10px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--muted-3);
}

/* ---- LOAN PROGRAMS GRID ---- */
.programs-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
}

.prog-card {
  background: var(--ink);
  padding: 2.25rem 2rem;
  transition: background 0.3s;
}
.prog-card:hover { background: var(--ink-hover); }

.prog-num {
  font-family: var(--font-display);
  font-size: 13px;
  color: var(--gold);
  display: block;
  margin-bottom: 1.25rem;
}

.prog-name {
  font-family: var(--font-display);
  font-size: 24px;
  letter-spacing: 0.04em;
  color: var(--cream);
  margin-bottom: 0.75rem;
  line-height: 1.1;
}

.prog-desc {
  font-size: 13px;
  line-height: 1.8;
  color: var(--muted-1);
  font-weight: 300;
}

.prog-arrow {
  display: inline-block;
  margin-top: 1.25rem;
  font-size: 13px;
  color: var(--gold);
  transition: transform 0.2s;
}
.prog-card:hover .prog-arrow { transform: translateX(4px); }

/* ---- PROCESS STRIP ---- */
.process-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
}

.process-step {
  background: var(--ink-mid);
  padding: 2rem;
}

.process-step-num {
  font-family: var(--font-display);
  font-size: 52px;
  color: rgba(201,160,88,0.15);
  line-height: 1;
  margin-bottom: 1rem;
}

.process-step-title {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--cream);
  margin-bottom: 0.6rem;
}

.process-step-desc {
  font-size: 12px;
  line-height: 1.75;
  color: var(--muted-1);
}

/* ---- CTA BAR ---- */
.cta-bar {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  padding: 5rem 3rem;
  border-top: 0.5px solid var(--border);
  max-width: 1500px;
  margin: 0 auto;
}

.cta-title {
  font-family: var(--font-display);
  font-size: clamp(48px, 6vw, 80px);
  letter-spacing: 0.02em;
  color: var(--cream);
  line-height: 0.95;
}
.cta-title em { color: var(--gold); font-style: normal; }

.cta-right {
  padding-left: 4rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.cta-body {
  font-size: 14px;
  line-height: 1.85;
  color: var(--muted-1);
}

.cta-actions {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  flex-wrap: wrap;
}

/* ---- FOOTER ---- */
.site-footer {
  border-top: 0.5px solid var(--border);
}

.footer-top {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 4rem;
  padding: 3.5rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
  border-bottom: 0.5px solid var(--border);
}

.footer-tagline {
  font-size: 12px;
  line-height: 1.7;
  color: var(--muted-2);
  margin-top: 0.75rem;
}

.footer-nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.footer-col-label {
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--cream);
  margin-bottom: 1rem;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.5rem; }
.footer-col a {
  font-size: 12px;
  color: var(--muted-2);
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--cream); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
}

.footer-copy { font-size: 11px; color: var(--muted-3); }

.footer-legal { display: flex; gap: 2rem; list-style: none; }
.footer-legal a {
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted-3);
  transition: color 0.2s;
}
.footer-legal a:hover { color: var(--muted-1); }

/* ---- PAGE HERO (interior pages) ---- */
.page-hero {
  padding: 10rem 3rem 4rem;
  border-bottom: 0.5px solid var(--border);
  max-width: 1500px;
  margin: 0 auto;
}

.page-title {
  font-family: var(--font-display);
  font-size: clamp(64px, 9vw, 120px);
  letter-spacing: 0.02em;
  line-height: 0.92;
  color: var(--cream);
  margin-top: 1.5rem;
}
.page-title em { color: var(--gold); font-style: normal; }

/* ---- ABOUT PAGE ---- */
.about-intro {
  padding: 4rem 3rem;
  border-bottom: 0.5px solid var(--border);
  max-width: 1500px;
  margin: 0 auto;
}

.about-intro-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 5rem;
  align-items: start;
}

.about-side-label {
  font-size: 10px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  padding-top: 6px;
}

.about-large-text {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 300;
  font-style: italic;
  line-height: 1.5;
  color: var(--cream);
  margin-bottom: 1.5rem;
}

.about-body {
  font-size: 14px;
  line-height: 1.85;
  color: var(--muted-1);
  margin-bottom: 1rem;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
}

.value-card {
  background: var(--ink);
  padding: 2.25rem 2rem;
  transition: background 0.3s;
}
.value-card:hover { background: var(--ink-hover); }

.value-title {
  font-family: var(--font-display);
  font-size: 22px;
  letter-spacing: 0.04em;
  color: var(--cream);
  margin-bottom: 0.75rem;
}

.value-desc {
  font-size: 13px;
  line-height: 1.8;
  color: var(--muted-1);
}

.focus-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6rem;
  align-items: start;
  padding: 4rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
}

.focus-list { list-style: none; border-top: 0.5px solid var(--border); }
.focus-list li {
  display: flex;
  align-items: baseline;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 0.5px solid var(--border);
  font-size: 14px;
  color: var(--muted-1);
  line-height: 1.6;
}

.focus-dot {
  width: 4px;
  height: 4px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ---- LOANS PAGE ---- */
.loan-detail {
  border-bottom: 0.5px solid var(--border);
}

.loan-detail-inner {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 5rem;
  align-items: start;
  padding: 4rem 3rem;
  max-width: 1500px;
  margin: 0 auto;
}

.loan-detail-alt { background: var(--ink-mid); }

.loan-detail-title {
  font-family: var(--font-display);
  font-size: clamp(42px, 5vw, 64px);
  letter-spacing: 0.02em;
  color: var(--cream);
  line-height: 1;
  margin: 1rem 0 1.5rem;
}

.loan-detail-desc {
  font-size: 14px;
  line-height: 1.85;
  color: var(--muted-1);
  margin-bottom: 1rem;
}

.loan-terms-card {
  border: 0.5px solid var(--border-mid);
  padding: 2rem;
  background: var(--ink-card);
}

.terms-label {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}

.terms-list { list-style: none; border-top: 0.5px solid var(--border); }
.terms-list li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.75rem 0;
  border-bottom: 0.5px solid var(--border);
  font-size: 13px;
  gap: 1rem;
}
.terms-list li span:first-child { color: var(--muted-1); font-weight: 300; }
.terms-list li span:last-child { color: var(--cream); font-weight: 400; text-align: right; }

.terms-note {
  font-size: 11px;
  color: var(--muted-2);
  margin-top: 1rem;
  font-style: italic;
  line-height: 1.6;
}

/* ---- PROCESS PAGE ---- */
.process-detail {
  max-width: 1000px;
  margin: 0 auto;
  padding: 4rem 3rem;
}

.process-step-detail {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 2.5rem;
  margin-bottom: 4rem;
}

.psd-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding-top: 4px;
}

.psd-num {
  font-family: var(--font-display);
  font-size: 14px;
  color: var(--gold);
  width: 36px;
  height: 36px;
  border: 0.5px solid rgba(201,160,88,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.psd-line {
  width: 0.5px;
  flex: 1;
  background: var(--border-mid);
  margin-top: 1rem;
}

.psd-timing {
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.psd-title {
  font-family: var(--font-display);
  font-size: 32px;
  letter-spacing: 0.03em;
  color: var(--cream);
  margin-bottom: 1rem;
}

.psd-desc {
  font-size: 14px;
  line-height: 1.85;
  color: var(--muted-1);
  margin-bottom: 0.75rem;
}

.psd-checklist {
  background: var(--ink-mid);
  border: 0.5px solid var(--border);
  padding: 1.5rem;
  margin-top: 1.25rem;
}

.checklist-label {
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--muted-2);
  margin-bottom: 0.75rem;
}

.psd-checklist ul { list-style: none; }
.psd-checklist li {
  font-size: 13px;
  color: var(--muted-1);
  padding: 0.4rem 0 0.4rem 1.25rem;
  position: relative;
  border-bottom: 0.5px solid var(--border);
  line-height: 1.6;
}
.psd-checklist li:last-child { border-bottom: none; }
.psd-checklist li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-size: 10px;
}

/* FAQ */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  margin-top: 2rem;
}

.faq-item {
  background: var(--ink-mid);
  padding: 2rem;
  transition: background 0.2s;
}
.faq-item:hover { background: var(--ink-hover); }

.faq-q {
  font-family: var(--font-display);
  font-size: 20px;
  letter-spacing: 0.03em;
  color: var(--cream);
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.faq-a {
  font-size: 13px;
  line-height: 1.8;
  color: var(--muted-1);
}

/* ---- CONTACT PAGE ---- */
.contact-section {
  padding: 4rem 3rem 5rem;
  max-width: 1500px;
  margin: 0 auto;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 5rem;
  align-items: start;
}

.form-intro {
  font-size: 14px;
  line-height: 1.8;
  color: var(--muted-1);
  margin-bottom: 2.5rem;
}

.form-section-label {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 0.5px solid var(--border);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-group {
  margin-bottom: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-2);
}

.form-group input,
.form-group select,
.form-group textarea {
  font-family: var(--font-sans);
  font-size: 14px;
  font-weight: 300;
  color: var(--cream);
  background: var(--ink-mid);
  border: 0.5px solid var(--border-mid);
  padding: 12px 14px;
  outline: none;
  transition: border-color 0.2s;
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
}

.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--muted-3); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--gold); }

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%23C9A058'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  cursor: pointer;
  background-color: var(--ink-mid);
}

.form-group textarea { resize: vertical; min-height: 120px; }

.btn-submit {
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  background: var(--gold);
  color: var(--ink);
  border: none;
  padding: 16px 32px;
  cursor: pointer;
  transition: background 0.2s;
  margin-top: 0.5rem;
}
.btn-submit:hover { background: var(--gold-light); }

.form-disclaimer {
  font-size: 11px;
  color: var(--muted-3);
  margin-top: 1rem;
  line-height: 1.6;
}

.form-success { display: none; }
.success-inner {
  text-align: center;
  padding: 4rem 2rem;
  border: 0.5px solid var(--border-mid);
  background: var(--ink-mid);
}
.success-icon { font-size: 28px; color: var(--gold); margin-bottom: 1rem; }
.success-inner h3 {
  font-family: var(--font-display);
  font-size: 32px;
  letter-spacing: 0.04em;
  color: var(--cream);
  margin-bottom: 0.75rem;
}
.success-inner p { font-size: 14px; color: var(--muted-1); line-height: 1.7; }

.sidebar-card {
  border: 0.5px solid var(--border);
  padding: 1.5rem;
  margin-bottom: 1.25rem;
  background: var(--ink-mid);
}

.sidebar-label {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 0.5px solid var(--border);
}

.sidebar-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-bottom: 1rem;
  font-size: 13px;
}
.sidebar-item span {
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted-3);
}
.sidebar-item a { color: var(--cream); transition: color 0.2s; }
.sidebar-item a:hover { color: var(--gold); }

.sidebar-text {
  font-size: 13px;
  line-height: 1.75;
  color: var(--muted-1);
  margin-bottom: 0.75rem;
}
.sidebar-text a { color: var(--gold); }

.sidebar-list { list-style: none; }
.sidebar-list li {
  font-size: 13px;
  color: var(--muted-1);
  padding: 0.5rem 0 0.5rem 1.25rem;
  border-bottom: 0.5px solid var(--border);
  position: relative;
}
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list li::before { content: '—'; position: absolute; left: 0; color: var(--gold); font-size: 10px; }

.sidebar-response {
  border: 0.5px solid var(--border-mid);
  padding: 1.5rem;
  text-align: center;
  background: var(--ink-card);
}
.sidebar-response-num {
  font-family: var(--font-display);
  font-size: 48px;
  letter-spacing: 0.02em;
  color: var(--cream);
  display: block;
  margin-bottom: 4px;
}
.sidebar-response-label {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-3);
}

/* ---- ANIMATIONS ---- */
.reveal {
  opacity: 1;
  transform: translateY(0);
  animation: revealUp 0.9s cubic-bezier(0.22, 1, 0.36, 1) 0.1s both;
}

.scroll-reveal {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.8s ease, transform 0.8s cubic-bezier(0.22, 1, 0.36, 1);
}
.scroll-reveal.animate-ready {
  opacity: 0;
  transform: translateY(24px);
}
.scroll-reveal.visible { opacity: 1; transform: translateY(0); }

@keyframes revealUp {
  to { opacity: 1; transform: translateY(0); }
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1100px) {
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .deals-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-detail-inner { grid-template-columns: 1fr; gap: 3rem; }
  .cta-bar { grid-template-columns: 1fr; gap: 3rem; }
  .cta-right { padding-left: 0; }
  .footer-top { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .about-intro-grid { grid-template-columns: 1fr; gap: 2rem; }
  .focus-grid { grid-template-columns: 1fr; gap: 3rem; }
  .faq-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-inner { padding: 1rem 1.5rem; }
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .hero { padding: 8rem 1.5rem 3rem; }
  .hero-bottom { grid-template-columns: 1fr; gap: 2rem; }
  .section { padding: 3rem 1.5rem; }
  .section-alt .section { padding: 3rem 1.5rem; }
  .stat-cell { padding: 1.5rem 1.5rem; }
  .deals-grid { grid-template-columns: 1fr; }
  .programs-grid { grid-template-columns: 1fr; }
  .process-strip { grid-template-columns: 1fr 1fr; }
  .statement-section { padding: 3.5rem 1.5rem; }
  .cta-bar { padding: 3.5rem 1.5rem; }
  .footer-top { padding: 2.5rem 1.5rem; }
  .footer-nav { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; gap: 0.75rem; padding: 1rem 1.5rem; text-align: center; }
  .page-hero { padding: 8rem 1.5rem 3rem; }
  .contact-section { padding: 3rem 1.5rem; }
  .process-detail { padding: 3rem 1.5rem; }
  .process-step-detail { grid-template-columns: 50px 1fr; gap: 1.5rem; }
  .form-row { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .about-intro { padding: 3rem 1.5rem; }
  .focus-grid { padding: 3rem 1.5rem; }
}