:root {
  --bg: #0a0f14;
  --bg-soft: #10161d;
  --panel: rgba(255, 255, 255, 0.05);
  --panel-strong: rgba(255, 255, 255, 0.07);
  --line: rgba(255, 255, 255, 0.1);
  --text: #eef3f8;
  --muted: #a7b3c2;
  --dark-text: #101722;
  --mid-text: #5c6674;
  --light-bg: #f6f2eb;
  --light-bg-2: #efe8dc;
  --light-panel: rgba(255, 255, 255, 0.78);
  --accent: #b8915f;
  --accent-deep: #8f6b40;
  --accent-soft: rgba(184, 145, 95, 0.14);
  --shadow: 0 18px 50px rgba(0, 0, 0, 0.18);
  --shadow-soft: 0 10px 30px rgba(0, 0, 0, 0.08);
  --radius-xl: 30px;
  --radius-lg: 22px;
  --radius-md: 16px;
  --container: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', system-ui, sans-serif;
  background:
    radial-gradient(circle at top right, rgba(184, 145, 95, 0.09), transparent 24%),
    linear-gradient(180deg, #071019 0%, #0b1219 100%);
  color: var(--text);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: inherit; text-decoration: none; }
p { line-height: 1.75; margin: 0; }
h1, h2, h3 { margin: 0; }
img { max-width: 100%; display: block; }

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(18px);
  background: rgba(8, 12, 17, 0.72);
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
}

.brand-mark {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: linear-gradient(145deg, rgba(255,255,255,0.08), rgba(184,145,95,0.18));
  border: 1px solid rgba(255,255,255,0.1);
  color: #fff;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 700;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.08);
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.brand-text strong {
  font-size: 0.96rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.brand-text em {
  font-style: normal;
  color: rgba(255,255,255,0.62);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-top: 5px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-links a {
  color: #dce4ef;
  font-size: 0.93rem;
  letter-spacing: 0.02em;
  position: relative;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -8px;
  width: 0;
  height: 1px;
  background: rgba(184, 145, 95, 0.7);
  transition: width 0.25s ease;
}

.nav-links a:hover::after {
  width: 100%;
}

.contact-card a:hover,
.btn:hover {
  opacity: 0.94;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 0 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  transition: 0.25s ease;
  font-weight: 600;
  font-size: 0.95rem;
}

.btn-solid {
  background: linear-gradient(135deg, #d8b47e 0%, #af8450 100%);
  color: #101214;
  box-shadow: 0 12px 28px rgba(143, 107, 64, 0.18);
}

.btn-outline {
  border-color: rgba(255, 255, 255, 0.14);
  background: rgba(255, 255, 255, 0.03);
  color: #fff;
}

.btn-ghost {
  border-color: rgba(184, 145, 95, 0.22);
  background: rgba(184, 145, 95, 0.07);
  color: #fff;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 86px 0 58px;
}

.hero-backdrop {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 20%, rgba(255,255,255,0.05), transparent 22%),
    radial-gradient(circle at 80% 15%, rgba(184,145,95,0.12), transparent 24%),
    linear-gradient(180deg, rgba(255,255,255,0.015), transparent 40%);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.18fr 0.82fr;
  gap: 44px;
  align-items: center;
  min-height: 78vh;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #d5b17d;
  margin-bottom: 18px;
}

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

.hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(3rem, 6vw, 5.35rem);
  line-height: 0.95;
  letter-spacing: -0.025em;
  max-width: 760px;
}

.hero-text {
  max-width: 660px;
  margin-top: 24px;
  font-size: 1.04rem;
  color: #c2ccda;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.hero-points span {
  border: 1px solid rgba(255,255,255,0.08);
  background: rgba(255,255,255,0.04);
  color: #d8e0eb;
  padding: 11px 15px;
  border-radius: 999px;
  font-size: 0.9rem;
}

.glass-card,
.glass-dark,
.info-card,
.feature-panel,
.contact-card,
.focus-grid article {
  border: 1px solid rgba(255,255,255,0.08);
}

.glass-card {
  padding: 30px;
  border-radius: var(--radius-xl);
  background: linear-gradient(180deg, rgba(255,255,255,0.09), rgba(255,255,255,0.04));
  backdrop-filter: blur(18px);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.22);
}

.hero-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 18px;
}

.hero-card-top p {
  font-size: 0.98rem;
  font-weight: 700;
  letter-spacing: 0.01em;
}

.hero-card-top span,
.small-note {
  color: var(--muted);
  font-size: 0.9rem;
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin: 22px 0 18px;
}

.metrics-grid article {
  padding: 18px;
  border-radius: 18px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.06);
}

.metrics-grid strong {
  display: block;
  font-size: 1.35rem;
  margin-bottom: 7px;
  font-weight: 700;
}

.metrics-grid span {
  color: #ccd5e3;
  font-size: 0.93rem;
}

.trust-strip,
.section {
  padding: 92px 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 44px;
  align-items: end;
}

.mini-heading {
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  font-size: 0.76rem;
  color: #cfa56c;
}

.trust-grid h2,
.section-heading h2,
.split-section h2,
.cta-box h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.2rem, 4vw, 3.7rem);
  line-height: 1.02;
  letter-spacing: -0.02em;
}

.trust-copy p { color: #c0cada; }

.section {
  background: var(--light-bg);
  color: var(--dark-text);
}

.section.muted { background: var(--light-bg-2); }

.split-section {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 52px;
}

.content-stack {
  display: grid;
  gap: 20px;
}

.content-stack p,
.section-heading p,
.info-card p,
.feature-panel p,
.focus-grid article span {
  color: var(--mid-text);
}

.section-heading {
  margin-bottom: 36px;
}

.section-heading.center {
  text-align: center;
  max-width: 880px;
  margin: 0 auto 36px;
}

.section-heading.narrow { max-width: 760px; }

.cards-grid.three-up,
.feature-panels,
.lender-grid,
.focus-grid {
  display: grid;
  gap: 22px;
}

.cards-grid.three-up { grid-template-columns: repeat(3, 1fr); }
.feature-panels { grid-template-columns: repeat(3, 1fr); }
.lender-grid { grid-template-columns: repeat(2, 1fr); }
.focus-grid { grid-template-columns: repeat(3, 1fr); }

.info-card,
.feature-panel,
.focus-grid article {
  background: var(--light-panel);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-soft);
  border-color: rgba(16, 23, 34, 0.05);
}

.card-number,
.panel-kicker {
  display: inline-block;
  margin-bottom: 15px;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-deep);
}

.info-card h3,
.feature-panel h3,
.lender-card h3 {
  font-size: 1.2rem;
  line-height: 1.3;
  margin-bottom: 12px;
  color: var(--dark-text);
}

.stats-section {
  background: linear-gradient(180deg, #f5f1ea 0%, #eee8dd 100%);
}

.glass-dark {
  background: linear-gradient(180deg, #101720, #0c1219);
  border-radius: var(--radius-lg);
  padding: 30px;
  color: #edf2f8;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.16);
}

.glass-dark h3 {
  color: #f2f6fb;
}

.glass-dark p {
  color: #b8c3d1;
}

.focus-grid article {
  display: flex;
  align-items: center;
  min-height: 110px;
}

.focus-grid article span {
  font-weight: 600;
  font-size: 1rem;
}

.cta-section {
  background: linear-gradient(180deg, #0c131b 0%, #081018 100%);
  color: var(--text);
}

.cta-box {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 28px;
  align-items: start;
  padding: 38px;
  border-radius: 32px;
  background: linear-gradient(145deg, rgba(255,255,255,0.06), rgba(255,255,255,0.025));
  border: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
}

.cta-box > div > p:last-child {
  color: #bac4d2;
  margin-top: 16px;
}

.contact-card {
  background: rgba(255,255,255,0.04);
  border-radius: 24px;
  padding: 26px;
  box-shadow: none;
}

.contact-row {
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.contact-row:last-child { border-bottom: 0; }

.contact-row span {
  display: block;
  color: #d4ad74;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  margin-bottom: 8px;
}

.contact-row p,
.contact-row a {
  color: #eef3fa;
}

.site-footer {
  background: #070c12;
  color: #a4b0c2;
  border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-wrap {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 24px 0;
  font-size: 0.9rem;
}

@media (max-width: 1100px) {
  .hero-grid,
  .split-section,
  .trust-grid,
  .cta-box,
  .cards-grid.three-up,
  .feature-panels,
  .focus-grid,
  .lender-grid {
    grid-template-columns: 1fr;
  }

  .hero-grid { min-height: auto; }
}

@media (max-width: 840px) {
  .nav-links,
  .nav-wrap .btn-outline {
    display: none;
  }

  .hero { padding-top: 48px; }
  .trust-strip,
  .section { padding: 72px 0; }
  .container { width: min(var(--container), calc(100% - 24px)); }
}

@media (max-width: 600px) {
  .hero h1 { line-height: 1; }
  .metrics-grid { grid-template-columns: 1fr; }

  .cta-box,
  .glass-card,
  .info-card,
  .feature-panel,
  .glass-dark,
  .focus-grid article,
  .contact-card {
    padding: 22px;
  }

  .footer-wrap {
    flex-direction: column;
  }
}