:root{
    --ink:#14121F;
    --ink-soft:#3A3550;
    --paper:#F5F5FB;
    --paper-dim:#ECEBF6;
    --gold:#F5A623;
    --gold-bright:#FFC24D;
    --teal:#7B3FE0;
    --brand:#7B3FE0;
    --brand-deep:#2A1660;
    --line:rgba(20,18,31,0.12);
    --line-on-dark:rgba(246,243,236,0.16);
  }
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{
    background:var(--paper);
    color:var(--ink);
    font-family:'Poppins',sans-serif;
    line-height:1.55;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3{font-family:'Poppins',sans-serif;font-weight:700;letter-spacing:-0.01em;}
  .mono{font-family:'Poppins',sans-serif;font-weight:500;}
  a{color:inherit;text-decoration:none;}
  .wrap{max-width:1120px;margin:0 auto;padding:0 28px;}

  /* NAV */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(246,243,236,0.92);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line);
  }
  nav{display:flex;align-items:center;justify-content:space-between;padding:18px 28px;max-width:1120px;margin:0 auto;}
  .logo{font-family:'Poppins',sans-serif;font-size:26px;font-weight:600;display:flex;align-items:center;gap:12px;}
  .logo-mark{width:40px;height:auto;display:block;}
  .nav-links{display:flex;gap:32px;font-size:14px;color:var(--ink-soft);}
  .nav-links a:hover{color:var(--gold);}
  .nav-cta{
    font-size:14px;font-weight:600;padding:10px 20px;
    background:var(--brand);color:var(--paper);border-radius:6px;
    border:1px solid var(--brand);
  }
  .nav-cta:hover{background:transparent;color:var(--ink);}
  .menu-toggle{display:none;background:none;border:none;font-size:24px;cursor:pointer;color:var(--ink);}

  /* HERO */
  .hero{padding:96px 0 72px;position:relative;overflow:hidden;}
  .hero-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:64px;align-items:center;}
  .eyebrow{
    font-family:'Poppins',sans-serif;font-weight:700;font-size:16px;letter-spacing:0.1em;
    text-transform:uppercase;color:var(--gold);margin-bottom:20px;display:flex;align-items:center;gap:10px;
  }
  .eyebrow::before{content:'';width:24px;height:1px;background:var(--gold);}
  .hero h1{font-size:clamp(36px,5vw,58px);line-height:1.08;margin-bottom:24px;}
  .hero h1 em{font-style:normal;font-weight:800;color:var(--gold);}
  .hl-orange{font-weight:700;font-style:italic;color:#F2790A;margin-right:0.15em;}
  .hero p{font-size:18px;color:var(--ink-soft);max-width:480px;margin-bottom:32px;}
  .hero-ctas{display:flex;gap:16px;align-items:center;flex-wrap:wrap;}
  .btn-primary{
    background:var(--brand);color:var(--paper);padding:14px 26px;border-radius:6px;
    font-size:15px;font-weight:600;display:inline-block;border:1px solid var(--brand);
    transition:all .15s ease;
  }
  .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--ink);}
  .btn-ghost{font-size:15px;font-weight:500;border-bottom:1px solid var(--ink);padding-bottom:2px;}
  .btn-ghost:hover{color:var(--gold);border-color:var(--gold);}

  /* Ledger card - signature element */
  .ledger{
    background:var(--brand-deep);color:var(--paper);border-radius:10px;
    padding:32px;position:relative;box-shadow:0 30px 60px -20px rgba(16,35,59,0.35);
  }
  .ledger-head{
    display:flex;justify-content:space-between;align-items:baseline;
    border-bottom:1px solid var(--line-on-dark);padding-bottom:16px;margin-bottom:16px;
  }
  .ledger-head span:first-child{font-family:'Poppins',sans-serif;font-weight:400;font-size:16px;}
  .ledger-head span:last-child{font-family:'Poppins',sans-serif;font-weight:600;font-size:11px;color:var(--gold-bright);letter-spacing:0.08em;}
  .ledger-row{
    display:flex;justify-content:space-between;align-items:center;
    padding:14px 0;border-bottom:1px solid var(--line-on-dark);font-size:14px;
  }
  .ledger-row:last-child{border-bottom:none;}
  .ledger-row .amt{font-family:'Poppins',sans-serif;font-weight:500;color:var(--gold-bright);font-size:14px;}
  .ledger-foot{margin-top:18px;padding-top:16px;border-top:1px solid var(--line-on-dark);
    display:flex;justify-content:space-between;font-family:'Poppins',sans-serif;font-size:12px;color:rgba(246,243,236,0.6);}

  /* TRUST STRIP */
  .trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 0;background:var(--paper-dim);}
  .trust-strip .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;font-family:'Poppins',sans-serif;font-weight:600;font-size:12px;letter-spacing:0.05em;color:var(--ink-soft);}

  /* SECTION HEADERS */
  section{padding:88px 0;}
  .section-head{max-width:600px;margin-bottom:48px;}
  .section-head .eyebrow{margin-bottom:14px;}
  .section-head h2{font-size:clamp(28px,3.5vw,38px);}
  .section-head p{color:var(--ink-soft);margin-top:14px;font-size:16px;}

  /* PRODUCTS */
  .product-list{display:flex;flex-direction:column;border-top:1px solid var(--line);}
  .product{
    display:grid;grid-template-columns:60px 1fr 1.3fr;gap:32px;
    padding:36px 0;border-bottom:1px solid var(--line);align-items:start;
  }
  .product .num{font-family:'Poppins',sans-serif;font-weight:700;color:var(--gold);font-size:14px;padding-top:6px;}
  .product h3{font-size:24px;margin-bottom:10px;}
  .product .tag{font-family:'Poppins',sans-serif;font-weight:600;font-size:11px;color:var(--teal);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:8px;display:block;}
  .product p{color:var(--ink-soft);font-size:15px;margin-bottom:14px;}
  .product .learn{font-size:14px;font-weight:500;border-bottom:1px solid var(--ink);padding-bottom:1px;}
  .product .learn:hover{color:var(--gold);border-color:var(--gold);}

  /* HOW IT WORKS */
  .how{background:var(--brand-deep);color:var(--paper);}
  .how .section-head p{color:rgba(246,243,236,0.65);}
  .how .eyebrow{color:var(--gold-bright);}
  .how .eyebrow::before{background:var(--gold-bright);}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-on-dark);border:1px solid var(--line-on-dark);}
  .step{background:var(--brand-deep);padding:32px 24px;}
  .step .step-num{font-family:'Poppins',sans-serif;font-weight:600;color:var(--gold-bright);font-size:13px;margin-bottom:16px;}
  .step h4{font-family:'Poppins',sans-serif;font-size:19px;font-weight:500;margin-bottom:10px;}
  .step p{font-size:14px;color:rgba(246,243,236,0.65);}

  /* WHY */
  .why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .why-item{background:var(--paper);padding:36px 32px;}
  .why-item h4{font-size:18px;margin-bottom:10px;}
  .why-item p{font-size:14px;color:var(--ink-soft);}
  .why-item .mark{color:var(--gold);font-size:20px;font-weight:700;margin-bottom:14px;display:block;}

  /* CTA BAND */
  .cta-band{background:var(--paper-dim);border-top:1px solid var(--line);}
  .cta-band .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;padding:64px 28px;}
  .cta-band h2{font-size:clamp(26px,3vw,34px);max-width:480px;}
  .cta-band p{color:var(--ink-soft);margin-top:10px;font-size:15px;}

  /* FOOTER */
  footer{background:var(--brand-deep);color:rgba(246,243,236,0.7);padding:56px 0 28px;font-size:14px;}
  .foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;padding-bottom:40px;border-bottom:1px solid var(--line-on-dark);}
  .foot-grid h5{font-family:'Poppins',sans-serif;font-weight:600;font-size:12px;letter-spacing:0.08em;text-transform:uppercase;color:var(--gold-bright);margin-bottom:16px;}
  .foot-grid a{display:block;margin-bottom:10px;color:rgba(246,243,236,0.7);}
  .foot-grid a:hover{color:var(--paper);}
  .foot-logo{font-family:'Poppins',sans-serif;font-size:20px;color:var(--paper);margin-bottom:14px;}
  .foot-bottom{display:flex;justify-content:space-between;padding-top:24px;font-size:12px;color:rgba(246,243,236,0.4);flex-wrap:wrap;gap:12px;}

  @media (max-width:860px){
    .hero-grid{grid-template-columns:1fr;}
    .nav-links{display:none;}
    .menu-toggle{display:block;}
    .product{grid-template-columns:40px 1fr;}
    .product .desc-col{grid-column:1/-1;}
    .steps{grid-template-columns:1fr 1fr;}
    .why-grid{grid-template-columns:1fr;}
    .foot-grid{grid-template-columns:1fr 1fr;}
  }
  @media (prefers-reduced-motion:reduce){*{transition:none!important;}}
  :focus-visible{outline:2px solid var(--gold);outline-offset:2px;}

/* METHODOLOGY */
.method-list{counter-reset:step;border-top:1px solid var(--line);}
.method-item{display:grid;grid-template-columns:80px 1fr;gap:28px;padding:32px 0;border-bottom:1px solid var(--line);}
.method-item .step-tag{font-family:'Poppins',sans-serif;font-weight:700;color:var(--gold);font-size:13px;padding-top:4px;}
.method-item h4{font-size:20px;margin-bottom:8px;}
.method-item p{color:var(--ink-soft);font-size:15px;}

/* TESTIMONIALS */
.testimonials{background:var(--paper-dim);}
.t-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
.t-card{background:var(--paper);padding:32px;}
.t-card p{font-family:'Poppins',sans-serif;font-weight:400;font-size:16px;color:var(--ink);margin-bottom:18px;line-height:1.5;}
.t-who{font-family:'Poppins',sans-serif;font-weight:600;font-size:12px;color:var(--teal);text-transform:uppercase;letter-spacing:0.05em;}
.t-who span{display:block;color:var(--ink-soft);text-transform:none;font-family:'Poppins',sans-serif;margin-top:2px;}

/* FAQ */
.faq-list{border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);padding:24px 0;}
.faq-item summary{cursor:pointer;font-family:'Poppins',sans-serif;font-size:18px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'+';font-family:'Poppins',sans-serif;color:var(--gold);font-size:20px;flex-shrink:0;}
.faq-item[open] summary::after{content:'\2212';}
.faq-item p{color:var(--ink-soft);font-size:15px;margin-top:14px;max-width:720px;}

@media (max-width:860px){
  .t-grid{grid-template-columns:1fr;}
}

/* PHOTO BAND */
.photo-band{position:relative;height:420px;overflow:hidden;}
.photo-band img{width:100%;height:100%;object-fit:cover;display:block;}
.photo-band .overlay{
  position:absolute;inset:0;
  background:linear-gradient(90deg, rgba(16,35,59,0.85) 0%, rgba(16,35,59,0.35) 55%, rgba(16,35,59,0.1) 100%);
  display:flex;align-items:center;
}
.photo-band .overlay-text{max-width:480px;padding:0 28px;margin:0 auto;width:100%;}
.photo-band .overlay-text .wrap{max-width:460px;margin:0;padding:0;}
.photo-band h3{color:var(--paper);font-size:clamp(24px,3vw,32px);margin-bottom:12px;}
.photo-band p{color:rgba(246,243,236,0.85);font-size:15px;max-width:420px;}

/* TESTIMONIAL AVATARS */
.t-card{display:flex;flex-direction:column;}
.t-who-row{display:flex;align-items:center;gap:12px;margin-top:auto;}
.t-avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0;border:1px solid var(--line);}
.t-who-row .t-who{margin-top:0;}

/* ASSESSMENT CARD */
.assess-card{
  background:#fff;border-radius:14px;overflow:hidden;
  box-shadow:0 30px 60px -20px rgba(42,22,96,0.35);
  border:1px solid var(--line);
}
.assess-head{
  background:linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%);
  color:#fff;padding:22px 26px;display:flex;align-items:center;gap:14px;
}
.assess-head span{font-family:'Poppins',sans-serif;font-weight:700;font-size:16px;line-height:1.25;}
.assess-body{padding:22px 26px 26px;}
.assess-row{
  background:var(--paper-dim);border-radius:8px;padding:14px 18px;margin-bottom:12px;
}
.assess-label{
  display:block;font-family:'Poppins',sans-serif;font-weight:600;font-size:11px;
  letter-spacing:0.06em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:6px;
}
.assess-value{font-family:'Poppins',sans-serif;font-weight:700;font-size:17px;color:var(--ink);display:flex;align-items:center;gap:8px;}
.assess-eligible{color:#1E9E5A;}
.assess-big{font-size:22px;}
.assess-big em{font-style:normal;font-weight:400;font-size:14px;color:var(--ink-soft);margin:0 2px;}
.assess-big small{font-weight:400;font-size:13px;color:var(--ink-soft);}
.assess-green{color:#1E9E5A;}
.assess-lenders{background:var(--paper-dim);border-radius:8px;padding:14px 18px;}
.assess-lenders-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;}
.assess-lenders-head .assess-label{margin-bottom:0;}
.assess-lock{
  display:flex;align-items:center;gap:5px;font-family:'Poppins',sans-serif;
  font-weight:600;font-size:11px;color:var(--ink-soft);
}
.assess-lender-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;border-top:1px solid var(--line);font-family:'Poppins',sans-serif;font-size:13px;
}
.assess-lender-row:first-of-type{border-top:none;}
.assess-lender-name{font-weight:600;color:var(--ink);}
.assess-blur{color:var(--ink-soft);filter:blur(3px);user-select:none;}

@media (max-width:860px){
  .assess-big{font-size:19px;}
}