:root {
  --maroon: #5c2434;
  --maroon-deep: #3c1522;
  --orange: #f08a12;
  --orange-deep: #d87408;
  --ink: #241418;
  --muted: #6d5960;
  --paper: #f7f1eb;
  --card: #fffdfb;
  --line: #eadfd6;
  --shadow: 0 24px 60px rgba(60, 21, 34, 0.12);
  --serif: "Fraunces", Georgia, serif;
  --sans: "Outfit", "Avenir Next", sans-serif;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-height: 100vh; overflow-x: clip; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; }

.skip {
  position: absolute;
  left: 16px;
  top: -40px;
  background: white;
  padding: 8px 12px;
  z-index: 20;
}
.skip:focus { top: 12px; }

.wrap { width: min(1120px, calc(100vw - 40px)); margin: 0 auto; }
.eyebrow {
  margin: 0 0 12px;
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange-deep);
  font-weight: 650;
}
h1, h2, h3 { font-family: var(--serif); font-weight: 560; letter-spacing: -0.03em; line-height: 1.12; }
h1 { font-size: clamp(2.7rem, 6vw, 5rem); margin: 0 0 18px; }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); margin: 0 0 14px; }
h3 { font-size: 1.55rem; margin: 0 0 8px; }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 42rem; }

.top {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  width: min(1120px, calc(100vw - 28px));
  margin: 14px auto;
  padding: 10px 12px 10px 14px;
  background: rgba(255, 253, 251, 0.9);
  border: 1px solid rgba(234, 223, 214, 0.9);
  border-radius: 999px;
  backdrop-filter: blur(16px);
  box-shadow: 0 10px 30px rgba(60, 21, 34, 0.05);
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img {
  width: 48px;
  height: 40px;
  object-fit: contain;
  background: white;
  border-radius: 12px;
}
.brand span { display: grid; font-weight: 680; line-height: 1.05; }
.brand small { font-weight: 500; color: var(--muted); letter-spacing: 0.01em; }
nav { display: flex; align-items: center; gap: 6px; }
nav a {
  text-decoration: none;
  padding: 8px 12px;
  border-radius: 999px;
  font-size: 0.95rem;
  font-weight: 560;
}
nav a[aria-current="page"] { background: #fff1e4; color: var(--maroon); }
.nav-cta, .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  border: 0;
  border-radius: 999px;
  padding: 12px 18px;
  background: linear-gradient(180deg, #ff9d2e, var(--orange-deep));
  color: white;
  font-weight: 680;
  box-shadow: 0 10px 24px rgba(216, 116, 8, 0.25);
}
.btn.dark { background: var(--maroon); box-shadow: none; }
.btn.ghost { background: transparent; color: var(--maroon); box-shadow: none; border: 1px solid var(--line); }
.nav-toggle { display: none; border: 0; background: transparent; font-weight: 680; color: var(--maroon); }

.hero { padding: 28px 0 20px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 36px;
  align-items: end;
}
.hero h1 span { display: block; color: var(--maroon); }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-card {
  background: linear-gradient(165deg, var(--maroon) 0%, var(--maroon-deep) 70%);
  color: #fff8f3;
  border-radius: 28px;
  padding: 22px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.hero-card::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  right: -60px;
  top: -80px;
  background: radial-gradient(circle, rgba(240, 138, 18, 0.7), transparent 68%);
  animation: glow 7s ease-in-out infinite;
}
.hero-card p, .hero-card a { position: relative; z-index: 1; }
.loan-jump { display: grid; gap: 8px; margin-top: 18px; }
.loan-jump a {
  display: flex;
  justify-content: space-between;
  text-decoration: none;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  padding: 12px 14px;
}
.loan-jump a:hover { background: rgba(255, 255, 255, 0.16); }
.loan-jump small { display: block; color: #f0d2c4; }

.band, .section { padding: 72px 0; }
.section.alt { background: white; }
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 28px; }
.card, .panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 22px;
}
.card { min-height: 230px; display: flex; flex-direction: column; text-decoration: none; transition: transform 0.35s ease, box-shadow 0.35s ease; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.mark {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: #fff1e4;
  color: var(--maroon);
  margin-bottom: 18px;
}
.card p { color: var(--muted); margin: 0 0 16px; }
.card em { margin-top: auto; font-style: normal; color: var(--orange-deep); font-weight: 680; }

.steps { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 18px; margin-top: 28px; }
.step { padding: 8px 8px 0 0; }
.step b {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--maroon);
  color: white;
  margin-bottom: 14px;
}
.invite {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 24px;
  align-items: center;
  background: var(--maroon-deep);
  color: #fff8f3;
  border-radius: 32px;
  padding: 42px;
  position: relative;
  overflow: hidden;
}
.invite::before {
  content: "";
  position: absolute;
  inset: auto -40px -80px auto;
  width: 280px;
  height: 280px;
  background: radial-gradient(circle, rgba(240, 138, 18, 0.55), transparent 70%);
}
.invite p { color: #f3d7cb; position: relative; }
.invite .btn { position: relative; }

.page-hero { padding: 18px 0 10px; }
.page-hero h1 { font-size: clamp(2.4rem, 5vw, 4.2rem); }

.loan-list { display: grid; gap: 18px; }
.loan-row {
  display: grid;
  grid-template-columns: 180px 1fr auto;
  gap: 22px;
  align-items: center;
  padding: 22px;
  border-radius: 24px;
  background: white;
  border: 1px solid var(--line);
}
.loan-row span { font-family: var(--serif); font-size: 1.8rem; color: var(--maroon); }

.calc-layout { display: grid; grid-template-columns: 1fr 0.9fr; gap: 22px; align-items: start; }
.modes { display: flex; gap: 8px; background: #f3e7dc; padding: 5px; border-radius: 999px; margin-bottom: 18px; }
.modes button { flex: 1; border: 0; background: transparent; border-radius: 999px; padding: 10px; font-weight: 680; color: var(--maroon); }
.modes button.on { background: white; box-shadow: 0 6px 16px rgba(60, 21, 34, 0.08); }
label { display: grid; gap: 6px; font-size: 0.92rem; font-weight: 650; margin-bottom: 14px; }
input, select, textarea {
  width: 100%;
  border: 1px solid #e4d5cb;
  background: white;
  border-radius: 14px;
  padding: 12px 14px;
  font-weight: 500;
}
textarea { min-height: 120px; resize: vertical; }
.range { accent-color: var(--maroon); }
.result {
  background: linear-gradient(180deg, #fffdfb, #fff6ee);
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 26px;
  position: sticky;
  top: 96px;
}
.result strong {
  display: block;
  font-family: var(--serif);
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  font-weight: 560;
  letter-spacing: -0.04em;
  color: var(--maroon);
  line-height: 1;
  margin: 8px 0 18px;
}
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.stats div { background: white; border-radius: 16px; padding: 12px; border: 1px solid var(--line); }
.stats b { display: block; font-size: 1.05rem; }
.bar { display: flex; height: 12px; border-radius: 99px; overflow: hidden; background: #f3e7dc; margin: 16px 0; }
.bar i { display: block; height: 100%; background: var(--maroon); }
.bar b { display: block; height: 100%; background: var(--orange); }
.policy { max-width: 760px; }
.policy h2 { font-size: 1.55rem; margin-top: 32px; }
.policy ul { margin: 0 0 16px; padding-left: 1.2rem; }
.policy li { margin: 8px 0; }
.fine, .note { color: var(--muted); font-size: 0.92rem; }
.note { margin-top: 18px; }
.form-error { color: #9d1c2a; font-weight: 650; }
.success {
  background: #f3faf6;
  border: 1px solid #cfe6d8;
  border-radius: 22px;
  padding: 22px;
}
.directors { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.office { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

.site-foot {
  margin-top: 28px;
  background: linear-gradient(165deg, var(--maroon) 0%, var(--maroon-deep) 78%);
  color: #f7f1eb;
  padding: 48px 0 22px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.7fr 1fr;
  gap: 36px;
  align-items: start;
}
.foot-brand img {
  width: 64px;
  height: 52px;
  object-fit: contain;
  background: #fff;
  border-radius: 16px;
  margin-bottom: 14px;
}
.foot-brand strong { display: block; font-size: 1.05rem; line-height: 1.35; max-width: 28rem; }
.foot-brand p, .foot-visit p { color: #f3d7cb; margin: 10px 0; }
.site-foot .label {
  margin: 0 0 12px;
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #ffb15a;
  font-weight: 680;
}
.foot-links, .foot-visit { display: grid; gap: 8px; align-content: start; }
.foot-links a, .foot-visit a { color: #fff8f3; text-decoration: none; }
.foot-links a:hover, .foot-visit a:hover { color: #ffb15a; }
.foot-visit .btn { justify-self: start; margin-top: 8px; }
.foot-base {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 32px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 248, 243, 0.16);
  color: #f0d2c4;
  font-size: 0.9rem;
}

.reveal { opacity: 0; transform: translateY(18px); animation: rise 0.8s ease forwards; }
.delay-1 { animation-delay: 0.12s; }
.delay-2 { animation-delay: 0.24s; }
.card:nth-child(2) { animation-delay: 0.08s; }
.card:nth-child(3) { animation-delay: 0.16s; }
.card:nth-child(4) { animation-delay: 0.24s; }

@keyframes rise {
  to { opacity: 1; transform: none; }
}
@keyframes glow {
  50% { transform: translate(-12px, 10px) scale(1.08); }
}

@media (max-width: 900px) {
  .hero-grid, .cards, .steps, .invite, .calc-layout, .loan-row, .directors, .office, .foot-grid { grid-template-columns: 1fr; }
  .hero-grid > *, .cards > *, .loan-row > * { min-width: 0; }
  .loan-row { gap: 8px; }
  .top { width: calc(100% - 16px); }
  .brand { min-width: 0; }
  .brand small { display: none; }
  .nav-toggle { display: inline-flex; flex: none; margin-left: auto; padding: 8px 12px; }
  #nav {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    right: 0;
    z-index: 30;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    background: #fffdfb;
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 10px;
    box-shadow: 0 18px 40px rgba(60, 21, 34, 0.16);
  }
  .top.open #nav { display: flex; }
  #nav a {
    color: var(--maroon);
    padding: 12px 14px;
    font-weight: 650;
  }
  #nav a.nav-cta { color: white; justify-content: center; }
  .result { position: static; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
  .reveal { opacity: 1; transform: none; }
}