/* Elon Musk - Investment & Loan
   Institutional private-capital aesthetic (not DevQuest / gaming UI) */

:root {
    --navy: #0c1b2a;
    --navy-mid: #152a40;
    --navy-soft: #1e3a56;
    --gold: #c4a35a;
    --gold-light: #dcc48a;
    --gold-deep: #9a7b3c;
    --cream: #f4f0e8;
    --cream-dark: #e8e2d4;
    --white: #ffffff;
    --ink: #1a2332;
    --muted: #5c6b7a;
    --line: #d5d0c4;
    --line-dark: rgba(196, 163, 90, 0.35);
    --success: #1f7a4c;
    --error: #b42318;
    --font-serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
    --font-sans: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
    --shadow: 0 18px 50px rgba(12, 27, 42, 0.12);
    --radius: 4px;
    --header-h: 76px;
    --topbar-h: 36px;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-sans);
    color: var(--ink);
    background: var(--cream);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }

.container {
    width: min(1180px, calc(100% - 40px));
    margin: 0 auto;
}

.narrow { width: min(760px, calc(100% - 40px)); margin: 0 auto; }

/* ——— Top bar ——— */
.topbar {
    background: var(--navy);
    color: rgba(255, 255, 255, 0.72);
    font-size: 0.78rem;
    letter-spacing: 0.04em;
    height: var(--topbar-h);
    display: flex;
    align-items: center;
}

.topbar-inner {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
}

.topbar a { color: var(--gold-light); text-decoration: none; }
.topbar a:hover { text-decoration: underline; }
.topbar-dot {
    width: 3px; height: 3px; border-radius: 50%;
    background: var(--gold); opacity: 0.7;
}

/* ——— Header ——— */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(244, 240, 232, 0.94);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--line);
    height: var(--header-h);
    display: flex;
    align-items: center;
}

.site-header.scrolled {
    box-shadow: 0 4px 20px rgba(12, 27, 42, 0.06);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    width: min(1180px, calc(100% - 40px));
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--navy);
    min-width: 0;
}

.brand-mark {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    border-radius: 3px;
}

.brand-photo {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--gold);
}

.brand-copy {
    display: flex;
    flex-direction: column;
    line-height: 1.15;
}

.brand-name {
    font-family: var(--font-serif);
    font-size: 1.15rem;
    font-weight: 600;
    letter-spacing: 0.01em;
}

@media (min-width: 900px) {
    .brand-name { font-size: 1.3rem; }
}

.brand-tag {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold-deep);
}

.main-nav {
    display: flex;
    gap: 22px;
    align-items: center;
}

.main-nav a {
    text-decoration: none;
    font-size: 0.92rem;
    font-weight: 500;
    color: var(--navy-soft);
    transition: color 0.15s;
}

.main-nav a:hover { color: var(--gold-deep); }

.header-actions {
    display: flex;
    align-items: center;
    gap: 10px;
}

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
}

.menu-toggle span {
    width: 22px;
    height: 2px;
    background: var(--navy);
}

/* ——— Buttons ——— */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    border: 1px solid transparent;
    border-radius: var(--radius);
    padding: 11px 20px;
    font-weight: 600;
    font-size: 0.9rem;
    letter-spacing: 0.02em;
    cursor: pointer;
    text-decoration: none;
    transition: background 0.15s, color 0.15s, border-color 0.15s, box-shadow 0.15s;
    white-space: nowrap;
}

.btn-lg { padding: 14px 26px; font-size: 0.95rem; }
.btn-sm { padding: 9px 14px; font-size: 0.85rem; }
.btn-block { width: 100%; }

.btn-gold {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold-deep);
}

.btn-gold:hover {
    background: var(--gold-light);
    box-shadow: 0 6px 18px rgba(196, 163, 90, 0.35);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.btn-navy:hover { background: var(--navy-mid); }

.btn-ghost {
    background: transparent;
    color: var(--navy);
    border-color: var(--line);
}

.btn-ghost:hover { border-color: var(--navy); }

.btn-outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.45);
}

.btn-outline-light:hover {
    border-color: var(--gold);
    color: var(--gold-light);
}

.btn:disabled { opacity: 0.55; cursor: not-allowed; box-shadow: none; }

.link-btn {
    background: none;
    border: none;
    color: var(--gold-deep);
    font-weight: 600;
    cursor: pointer;
    font-size: 0.9rem;
    white-space: nowrap;
}

.link-btn:hover { text-decoration: underline; }

/* ——— Typography helpers ——— */
.eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
}

.eyebrow.dark { color: var(--gold-deep); }

h1, h2, h3, h4 {
    font-family: var(--font-serif);
    font-weight: 600;
    line-height: 1.2;
    color: inherit;
}

h2 { font-size: clamp(1.9rem, 3.2vw, 2.55rem); margin-bottom: 12px; }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.05rem; }

/* ——— Hero ——— */
.hero {
    position: relative;
    background: var(--navy);
    color: var(--white);
    overflow: hidden;
    padding: 64px 0 72px;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(120deg, rgba(12, 27, 42, 0.97) 0%, rgba(21, 42, 64, 0.92) 55%, rgba(12, 27, 42, 0.88) 100%),
        repeating-linear-gradient(
            -18deg,
            transparent,
            transparent 48px,
            rgba(196, 163, 90, 0.04) 48px,
            rgba(196, 163, 90, 0.04) 49px
        ),
        radial-gradient(ellipse 70% 80% at 85% 20%, rgba(196, 163, 90, 0.12), transparent 55%);
    pointer-events: none;
}

.hero-grid {
    position: relative;
    display: grid;
    grid-template-columns: 1.25fr 0.85fr;
    gap: 48px;
    align-items: center;
}

.hero .h1-line {
    display: block;
    font-size: clamp(2.2rem, 4.8vw, 3.5rem);
    font-weight: 600;
    letter-spacing: 0.01em;
}

.hero .h1-sub {
    display: block;
    margin-top: 8px;
    font-family: var(--font-sans);
    font-size: clamp(0.95rem, 1.8vw, 1.15rem);
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gold);
}

/* Hero portrait card */
.hero-photo-card {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.hero-portrait {
    margin: 0;
    border-radius: 8px;
    overflow: hidden;
    border: 1px solid rgba(196, 163, 90, 0.45);
    box-shadow: 0 24px 60px rgba(0, 0, 0, 0.45);
    background: #000;
}

.hero-portrait img {
    width: 100%;
    height: min(480px, 58vh);
    object-fit: cover;
    object-position: center top;
    display: block;
}

.hero-portrait figcaption {
    display: flex;
    flex-direction: column;
    gap: 2px;
    padding: 14px 16px;
    background: linear-gradient(180deg, rgba(12, 27, 42, 0.2), rgba(12, 27, 42, 0.95));
    margin-top: -72px;
    position: relative;
}

.hero-portrait figcaption strong {
    font-family: var(--font-serif);
    font-size: 1.35rem;
    color: var(--white);
}

.hero-portrait figcaption span {
    font-size: 0.82rem;
    color: var(--gold-light);
    letter-spacing: 0.06em;
}

.hero-mini-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.hero-mini-metrics > div {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(196, 163, 90, 0.28);
    border-radius: 4px;
    padding: 12px 10px;
    text-align: center;
}

.hero-mini-metrics .metric-val {
    display: block;
    font-family: var(--font-serif);
    font-size: 1.4rem;
    color: var(--white);
}

.hero-mini-metrics .metric-lbl {
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.55);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

/* Scrolling photo strip */
.photo-strip {
    background: #08131e;
    border-top: 1px solid rgba(196, 163, 90, 0.25);
    border-bottom: 1px solid rgba(196, 163, 90, 0.25);
    overflow: hidden;
}

.photo-strip-track {
    display: grid;
    grid-template-columns: repeat(5, minmax(180px, 1fr));
    gap: 0;
}

.photo-strip-track img {
    width: 100%;
    height: 160px;
    object-fit: cover;
    object-position: center top;
    filter: grayscale(15%) contrast(1.05);
    opacity: 0.92;
    transition: opacity 0.2s, filter 0.2s;
}

.photo-strip-track img:hover {
    opacity: 1;
    filter: none;
}

/* Gallery */
.gallery-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    grid-auto-rows: 200px;
    gap: 12px;
}

.gallery-item {
    margin: 0;
    position: relative;
    overflow: hidden;
    border-radius: 6px;
    border: 1px solid var(--line);
    background: #111;
}

.gallery-item.large {
    grid-column: span 2;
    grid-row: span 2;
}

.gallery-item.wide {
    grid-column: span 2;
}

.gallery-item img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    transition: transform 0.4s ease;
}

.gallery-item:hover img {
    transform: scale(1.04);
}

.gallery-item figcaption {
    position: absolute;
    left: 0; right: 0; bottom: 0;
    padding: 12px 14px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--white);
    background: linear-gradient(transparent, rgba(0, 0, 0, 0.75));
}

.photo-credits {
    margin-top: 16px;
    font-size: 0.78rem;
    color: var(--muted);
}

.side-photo {
    margin-bottom: 20px;
    border-radius: 6px;
    overflow: hidden;
    border: 1px solid rgba(196, 163, 90, 0.35);
    max-height: 220px;
}

.side-photo img {
    width: 100%;
    height: 220px;
    object-fit: cover;
    object-position: center top;
}

.side-photo.light-frame {
    border-color: var(--line);
}

.why-with-photo {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.why-photo {
    width: 100%;
    max-height: 260px;
    object-fit: cover;
    object-position: center top;
    border-radius: 6px;
    border: 1px solid rgba(196, 163, 90, 0.3);
}

.cta-with-face {
    display: flex;
    align-items: center;
    gap: 16px;
}

.cta-face,
.footer-face {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    object-fit: cover;
    object-position: center top;
    border: 2px solid var(--gold);
    flex-shrink: 0;
}

.footer-face { width: 56px; height: 56px; }

.footer-face-row {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
}

.footer-face-row .brand-name {
    display: block;
    color: var(--white);
    font-size: 1.35rem;
}

.footer-face-row .brand-tag {
    display: block;
}

.lead {
    margin-top: 22px;
    max-width: 34rem;
    color: rgba(255, 255, 255, 0.78);
    font-size: 1.05rem;
    font-weight: 300;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 28px;
}

.hero-legal {
    margin-top: 22px;
    max-width: 36rem;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.45);
    line-height: 1.5;
}

.hero-panel {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(196, 163, 90, 0.35);
    border-radius: 6px;
    padding: 24px;
    backdrop-filter: blur(6px);
}

.panel-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold-light);
    margin-bottom: 18px;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.live-dot {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: #7dcea0;
    font-size: 0.72rem;
    letter-spacing: 0.06em;
}

.live-dot::before {
    content: "";
    width: 7px; height: 7px;
    border-radius: 50%;
    background: #3ddc97;
    box-shadow: 0 0 0 3px rgba(61, 220, 151, 0.2);
}

.panel-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 18px;
}

.metric-val {
    display: block;
    font-family: var(--font-serif);
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--white);
}

.metric-lbl {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.55);
}

.panel-row {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding: 10px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.6);
}

.panel-row strong {
    color: var(--white);
    font-weight: 600;
    text-align: right;
}

.hero-panel .btn { margin-top: 18px; }

/* ——— Trust strip ——— */
.trust-strip {
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 28px 0;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.trust-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding-left: 14px;
    border-left: 2px solid var(--gold);
}

.trust-item strong {
    font-size: 0.95rem;
    color: var(--navy);
}

.trust-item span {
    font-size: 0.85rem;
    color: var(--muted);
}

/* ——— Sections ——— */
.section { padding: 80px 0; }
.section-cream { background: var(--cream); color: var(--ink); }
.section-white { background: var(--white); color: var(--ink); }
.section-navy {
    background: var(--navy);
    color: var(--white);
}
.section-navy.alt {
    background: linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 100%);
}

.section-head {
    display: flex;
    justify-content: space-between;
    gap: 32px;
    align-items: end;
    margin-bottom: 36px;
}

.section-head.center {
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.section-intro {
    max-width: 380px;
    color: var(--muted);
    font-size: 0.98rem;
}

.section-navy .section-intro,
.section-navy .muted { color: rgba(255, 255, 255, 0.65); }

/* ——— Opportunity table ——— */
.table-wrap {
    overflow-x: auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 6px;
    box-shadow: var(--shadow);
}

.opp-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 720px;
}

.opp-table th {
    text-align: left;
    font-size: 0.72rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--muted);
    font-weight: 600;
    padding: 14px 18px;
    border-bottom: 1px solid var(--line);
    background: #faf8f3;
}

.opp-table td {
    padding: 16px 18px;
    border-bottom: 1px solid #eee9de;
    vertical-align: middle;
    font-size: 0.95rem;
}

.opp-table tr:last-child td { border-bottom: none; }
.opp-table tbody tr:hover { background: #faf7f0; }

.opp-name {
    display: block;
    color: var(--navy);
    font-weight: 600;
    font-size: 1rem;
}

.opp-line {
    display: block;
    color: var(--muted);
    font-size: 0.85rem;
    margin-top: 2px;
}

.num {
    font-variant-numeric: tabular-nums;
    font-weight: 600;
    color: var(--navy);
}

.risk-pill {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 999px;
    background: rgba(196, 163, 90, 0.15);
    color: var(--gold-deep);
    border: 1px solid rgba(196, 163, 90, 0.35);
}

.opp-cards-mobile { display: none; gap: 14px; }

.m-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 6px;
    padding: 18px;
}

.m-card-top {
    display: flex;
    justify-content: space-between;
    gap: 10px;
    align-items: start;
    margin-bottom: 8px;
}

.m-card h3 {
    font-family: var(--font-sans);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--navy);
}

.m-card p { color: var(--muted); font-size: 0.9rem; margin-bottom: 12px; }

.m-card-meta {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--muted);
    margin-bottom: 14px;
    padding-top: 10px;
    border-top: 1px solid var(--line);
}

/* ——— Forms ——— */
.form-split {
    display: grid;
    grid-template-columns: 0.95fr 1.15fr;
    gap: 48px;
    align-items: start;
}

.form-side-copy .process-list {
    list-style: none;
    margin: 28px 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.form-side-copy .process-list li {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 0.98rem;
}

.form-side-copy .process-list span {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--gold);
    min-width: 28px;
}

.structure-list {
    margin-top: 8px;
    padding: 18px;
    border: 1px solid rgba(196, 163, 90, 0.3);
    border-radius: 6px;
    background: rgba(255, 255, 255, 0.03);
}

.structure-list h4 {
    font-family: var(--font-sans);
    font-size: 0.78rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
}

.structure-list ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.structure-list li strong {
    display: block;
    font-size: 0.92rem;
    font-weight: 600;
}

.structure-list li span {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.55);
}

.form-side-copy.light .structure-list li span,
.form-side-copy.light p { color: var(--muted); }

.form-side-copy.light h2 { color: var(--navy); }

.check-list {
    list-style: none;
    margin-top: 20px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.check-list li {
    padding-left: 22px;
    position: relative;
    color: var(--muted);
}

.check-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--gold-deep);
    font-weight: 700;
}

.pro-form {
    background: var(--white);
    color: var(--ink);
    border-radius: 6px;
    padding: 28px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(196, 163, 90, 0.25);
}

.pro-form.light {
    border-color: var(--line);
}

.pro-form-header {
    margin-bottom: 20px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--line);
}

.pro-form-header h3 {
    font-family: var(--font-serif);
    font-size: 1.45rem;
    color: var(--navy);
}

.pro-form-header p {
    font-size: 0.85rem;
    color: var(--muted);
    margin-top: 4px;
}

.fields.two {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.pro-form label {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 14px;
}

.pro-form label.full { display: flex; }

.pro-form label > span {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--muted);
    letter-spacing: 0.02em;
}

.pro-form input,
.pro-form select,
.pro-form textarea {
    width: 100%;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 11px 12px;
    background: #fbfaf7;
    color: var(--ink);
    outline: none;
    transition: border-color 0.15s, box-shadow 0.15s;
}

.pro-form input:focus,
.pro-form select:focus,
.pro-form textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(196, 163, 90, 0.2);
    background: var(--white);
}

.pro-form select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%239a7b3c' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 34px;
}

.pro-form textarea { resize: vertical; min-height: 88px; }

.form-feedback {
    margin-top: 12px;
    font-size: 0.9rem;
    min-height: 1.3em;
}

.form-feedback.success { color: var(--success); }
.form-feedback.error { color: var(--error); }

.loan-form-block {
    margin-top: 56px;
    padding-top: 48px;
    border-top: 1px solid var(--line);
}

/* ——— Loan products ——— */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.loan-product {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 6px;
    padding: 22px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    transition: border-color 0.15s, box-shadow 0.15s;
}

.loan-product:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow);
}

.loan-product header h3 {
    font-family: var(--font-serif);
    font-size: 1.25rem;
    color: var(--navy);
    margin-bottom: 6px;
}

.loan-product header p {
    color: var(--muted);
    font-size: 0.9rem;
}

.loan-product dl {
    display: flex;
    flex-direction: column;
    gap: 8px;
    padding: 12px 0;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.loan-product dl div {
    display: flex;
    justify-content: space-between;
    gap: 8px;
    font-size: 0.88rem;
}

.loan-product dt { color: var(--muted); }
.loan-product dd { font-weight: 600; color: var(--navy); text-align: right; }

.loan-product ul {
    list-style: none;
    flex: 1;
    font-size: 0.88rem;
    color: var(--muted);
}

.loan-product ul li {
    padding: 3px 0 3px 14px;
    position: relative;
}

.loan-product ul li::before {
    content: "–";
    position: absolute;
    left: 0;
    color: var(--gold-deep);
}

.loan-product .btn { align-self: flex-start; margin-top: auto; }

/* ——— Steps ——— */
.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.step {
    padding: 24px 20px;
    border: 1px solid var(--line);
    border-top: 3px solid var(--gold);
    background: var(--cream);
}

.step-n {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold);
    font-family: var(--font-serif);
    font-weight: 700;
    margin-bottom: 14px;
}

.step h3 {
    font-family: var(--font-sans);
    font-weight: 700;
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 8px;
}

.step p { color: var(--muted); font-size: 0.92rem; }

/* ——— Why ——— */
.why-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 40px;
    align-items: start;
}

.why-cards {
    display: grid;
    gap: 14px;
}

.why-card {
    padding: 20px 22px;
    border: 1px solid rgba(196, 163, 90, 0.28);
    background: rgba(255, 255, 255, 0.03);
}

.why-card h4 {
    font-family: var(--font-sans);
    font-weight: 700;
    color: var(--gold-light);
    margin-bottom: 6px;
}

.why-card p {
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.94rem;
}

/* ——— FAQ ——— */
.faq {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.faq details {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 4px;
    padding: 0 18px;
}

.faq summary {
    cursor: pointer;
    list-style: none;
    padding: 16px 0;
    font-weight: 600;
    color: var(--navy);
}

.faq summary::-webkit-details-marker { display: none; }

.faq summary::after {
    content: "+";
    float: right;
    color: var(--gold-deep);
    font-weight: 700;
}

.faq details[open] summary::after { content: "–"; }

.faq p {
    color: var(--muted);
    padding-bottom: 16px;
    font-size: 0.95rem;
}

.faq a { color: var(--gold-deep); }

/* ——— CTA band ——— */
.cta-band {
    background: var(--navy-mid);
    color: var(--white);
    padding: 48px 0;
    border-top: 1px solid rgba(196, 163, 90, 0.3);
}

.cta-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.cta-inner h2 {
    font-size: 1.8rem;
    margin-bottom: 6px;
}

.cta-inner p { color: rgba(255, 255, 255, 0.65); }

.cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

/* ——— Footer ——— */
.site-footer {
    background: #08131e;
    color: rgba(255, 255, 255, 0.7);
    padding: 56px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 0.8fr 0.8fr 1.4fr;
    gap: 32px;
    padding-bottom: 40px;
}

.footer-brand .brand-name {
    display: block;
    color: var(--white);
    font-size: 1.5rem;
}

.footer-brand .brand-tag {
    display: block;
    margin: 4px 0 14px;
}

.footer-brand p {
    font-size: 0.9rem;
    max-width: 280px;
}

.site-footer h4 {
    font-family: var(--font-sans);
    font-size: 0.75rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 14px;
}

.site-footer a {
    display: block;
    text-decoration: none;
    font-size: 0.92rem;
    margin-bottom: 8px;
    color: rgba(255, 255, 255, 0.7);
}

.site-footer a:hover { color: var(--gold-light); }

.footer-risk {
    font-size: 0.8rem;
    line-height: 1.55;
    color: rgba(255, 255, 255, 0.45);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 18px 0;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.4);
}

/* ——— Toast ——— */
.toast {
    position: fixed;
    bottom: 28px;
    left: 50%;
    transform: translateX(-50%) translateY(100px);
    background: var(--navy);
    color: var(--white);
    border: 1px solid var(--gold);
    padding: 14px 22px;
    border-radius: 4px;
    z-index: 2000;
    font-size: 0.92rem;
    max-width: min(460px, 92vw);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.28s, opacity 0.28s;
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.35);
}

.toast.show {
    transform: translateX(-50%) translateY(0);
    opacity: 1;
}

.toast.error { border-color: #e07070; }

/* ——— Responsive ——— */
@media (max-width: 1024px) {
    .hero-grid,
    .form-split,
    .why-grid { grid-template-columns: 1fr; }
    .loan-grid { grid-template-columns: 1fr 1fr; }
    .steps { grid-template-columns: 1fr 1fr; }
    .trust-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .section-head { flex-direction: column; align-items: start; }
    .section-intro { max-width: none; }
    .gallery-grid {
        grid-template-columns: 1fr 1fr;
        grid-auto-rows: 180px;
    }
    .gallery-item.large,
    .gallery-item.wide {
        grid-column: span 2;
        grid-row: span 1;
    }
    .gallery-item.large { grid-row: span 2; }
    .photo-strip-track {
        grid-template-columns: repeat(5, 40vw);
        overflow-x: auto;
    }
    .photo-strip-track img { height: 140px; }
}

@media (max-width: 820px) {
    .main-nav {
        display: none;
        position: absolute;
        top: calc(var(--topbar-h) + var(--header-h));
        left: 0; right: 0;
        background: var(--cream);
        border-bottom: 1px solid var(--line);
        flex-direction: column;
        align-items: stretch;
        padding: 12px 20px 20px;
        gap: 0;
    }

    .main-nav.open { display: flex; }
    .main-nav a {
        padding: 12px 0;
        border-bottom: 1px solid var(--line);
    }

    .header-actions .btn-ghost { display: none; }
    .menu-toggle { display: flex; }

    .site-header { position: sticky; }

    .table-wrap { display: none; }
    .opp-cards-mobile { display: grid; }

    .loan-grid { grid-template-columns: 1fr; }
    .fields.two { grid-template-columns: 1fr; }
    .steps { grid-template-columns: 1fr; }
    .trust-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .topbar { display: none; }
    .hero { padding: 40px 0 48px; }
    .section { padding: 56px 0; }
    .gallery-grid {
        grid-template-columns: 1fr;
        grid-auto-rows: 220px;
    }
    .gallery-item.large,
    .gallery-item.wide {
        grid-column: span 1;
        grid-row: span 1;
    }
    .hero-portrait img { height: 360px; }
    .cta-with-face { flex-direction: column; align-items: flex-start; }
}