:root{
  --navy:#0E1930;--navy-2:#17243E;--navy-line:#2A3A58;
  --gold:#C9A13B;--gold-ink:#86681E;
  --paper:#FFFFFF;--mist:#EDF0F4;
  --ink:#0E1930;--muted:#46536A;--muted-dark:#AEB8C8;
  --serif:'Cormorant Garamond',Georgia,'Times New Roman',serif;
  --sans:'Hanken Grotesk','Helvetica Neue',Helvetica,Arial,sans-serif;
  --wrap:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;padding-bottom:84px}
img{max-width:100%;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.08;margin:0}
h2{font-size:clamp(34px,4.2vw,48px);margin-bottom:28px;max-width:20ch}
p{margin:0 0 16px;max-width:64ch}

/* top bar */
.bar{background:var(--navy);color:#fff;border-top:6px solid var(--gold)}
.bar .wrap{display:flex;justify-content:space-between;align-items:center;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand b{font-size:21px;letter-spacing:.14em;line-height:1}
.brand small{display:block;font-size:11px;letter-spacing:.2em;color:var(--gold);margin-top:4px;font-weight:600}
.bar .tel{font-weight:600;text-decoration:none;font-size:16px;border-bottom:1px solid var(--gold);padding-bottom:2px}

/* hero */
.hero{background:var(--navy);color:#F6F3EC;padding:64px 0 96px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.hero h1{font-size:clamp(46px,6.4vw,78px);letter-spacing:-.01em;max-width:13ch}
.lede{font-size:20px;color:#D4DAE4;margin:24px 0 36px;max-width:46ch}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:0 30px;background:var(--gold);color:var(--navy);font-weight:700;font-size:17px;text-decoration:none;border-radius:4px;border:0;cursor:pointer;font-family:var(--sans)}
.btn:hover{background:#DDB54E}
.alt{margin-top:18px;font-size:15px;color:var(--muted-dark)}
.alt a{color:#fff;font-weight:600}

/* term sheet card: the signature element */
.sheet{background:#FBFAF7;color:var(--ink);padding:34px 34px 28px;border-top:5px solid var(--gold);box-shadow:0 30px 60px -20px rgba(0,0,0,.55);position:relative}
.sheet h3{font-size:30px;margin-bottom:4px}
.sheet .for{font-size:14px;color:var(--muted);margin-bottom:22px}
.sheet dl{margin:0}
.sheet .row{display:flex;align-items:baseline;gap:10px;padding:10px 0;border-bottom:1px solid #E3E0D8;font-size:15px}
.sheet dt{color:var(--muted);white-space:nowrap}
.sheet .row::after{content:none}
.sheet .lead{flex:1;border-bottom:1px dotted #B9B4A6;transform:translateY(-4px)}
.sheet dd{margin:0;font-weight:700;text-align:right}
.sheet .sig{margin-top:26px;display:flex;justify-content:space-between;align-items:flex-end;gap:16px;font-size:12px;color:var(--muted)}
.sheet .sig span:first-child{flex:1;border-top:1px solid var(--ink);padding-top:6px}

/* proof */
.proof{background:var(--paper);padding:0}
.proof .wrap{transform:translateY(-44px)}
.proof-card{background:var(--paper);border:1px solid #DCE1E8;padding:28px 32px;display:grid;grid-template-columns:auto 1fr;gap:28px;align-items:center;box-shadow:0 12px 30px -18px rgba(14,25,48,.35)}
.proof-card .num{font-family:var(--serif);font-size:56px;font-weight:600;line-height:1;color:var(--ink)}
.proof-card p{margin:0;font-size:17px}
.proof-card p small{display:block;color:var(--muted);font-size:14px;margin-top:4px}

section.block{padding:72px 0}
section.tint{background:var(--mist)}

/* fit */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.fit h3{font-family:var(--sans);font-size:17px;font-weight:700;margin-bottom:14px}
.fit ul{list-style:none;margin:0;padding:0}
.fit li{padding:12px 0 12px 32px;border-bottom:1px solid #D9DEE6;position:relative}
.fit li::before{position:absolute;left:0;top:12px;font-weight:700}
.fit .yes li::before{content:"\2713";color:var(--gold-ink)}
.fit .no li::before{content:"\2715";color:#8C94A3}

/* steps (a real sequence) */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;counter-reset:s}
.steps li{counter-increment:s;border-top:2px solid var(--ink);padding-top:20px}
.steps li::before{content:counter(s);font-family:var(--serif);font-size:44px;font-weight:600;color:var(--gold-ink);display:block;line-height:1;margin-bottom:12px}
.steps h3{font-family:var(--sans);font-size:19px;font-weight:700;margin-bottom:8px}
.steps p{font-size:16px;color:var(--muted)}

/* deals */
.deals{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.deal{background:var(--navy);color:#EEF1F5;padding:30px 28px}
.deal .amt{font-family:var(--serif);font-size:48px;font-weight:600;color:var(--gold);line-height:1}
.deal h3{font-family:var(--sans);font-size:17px;font-weight:700;margin:14px 0 8px;color:#fff}
.deal p{font-size:15px;color:var(--muted-dark);margin:0}
.deal.placeholder{background:transparent;border:2px dashed #AEB8C8;color:var(--muted)}
.deal.placeholder .amt{color:var(--muted)}
.deal.placeholder h3{color:var(--ink)}
.deal.placeholder p{color:var(--muted)}

/* costs table (business credit page) */
.costs{width:100%;border-collapse:collapse;font-size:16px;background:#fff}
.costs th,.costs td{text-align:left;padding:14px 16px;border-bottom:1px solid #D9DEE6;vertical-align:top}
.costs th{font-weight:700;background:#F6F7F9}
.scroll-x{overflow-x:auto}

/* faq */
.faq details{border-bottom:1px solid #D9DEE6;padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;font-size:18px;padding:16px 36px 16px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:26px;font-weight:400;color:var(--gold-ink)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{color:var(--muted);padding-bottom:12px}

/* talk / form */
.talk{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.person{display:flex;gap:18px;align-items:center;margin-top:24px}
.person img{width:84px;height:84px;border-radius:50%;object-fit:cover}
.person b{display:block;font-size:18px}
.person a{color:var(--muted);text-decoration:none;display:block;font-size:15px}
.person a:hover{color:var(--ink);text-decoration:underline}
form.lead-form{background:#fff;border:1px solid #D9DEE6;padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
label{font-size:14px;font-weight:700}
input,select{font:inherit;font-size:16px;min-height:50px;padding:0 14px;border:1px solid #B8C0CC;border-radius:4px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid var(--gold);outline-offset:1px;border-color:var(--ink)}
.consent{grid-column:1/-1;font-size:13px;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.consent input{min-height:auto;width:18px;height:18px;margin-top:3px;flex:none}
form .btn{grid-column:1/-1;background:var(--navy);color:#fff}
form .btn:hover{background:var(--navy-2)}
.hidden{position:absolute;left:-9999px}
.secure{grid-column:1/-1;font-size:13px;color:var(--muted);margin:0;text-align:center}

/* footer */
footer{background:var(--navy);color:var(--muted-dark);padding:48px 0 40px;font-size:13px}
footer p{max-width:90ch}
footer a{color:#fff}
footer .brand{margin-bottom:20px}

/* sticky CTA */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:50;background:rgba(14,25,48,.97);border-top:1px solid var(--navy-line);padding:12px 0 calc(12px + env(safe-area-inset-bottom,0px));transform:translateY(110%);transition:transform .25s ease}
.sticky.show{transform:none}
.sticky .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px}
.sticky span{color:#fff;font-weight:600;font-size:16px}
.sticky .btn{min-height:48px;padding:0 24px;font-size:16px;white-space:nowrap}

/* hub */
.doors{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.door{display:block;text-decoration:none;background:#fff;border:1px solid #D9DEE6;border-top:4px solid var(--gold);padding:32px}
.door:hover{border-color:var(--ink);border-top-color:var(--gold)}
.door h3{font-size:34px;margin-bottom:8px}
.door p{color:var(--muted);margin:0 0 14px}
.door span{font-weight:700;text-decoration:underline;text-underline-offset:4px}

@media (max-width:900px){
  .hero{padding:40px 0 80px}
  .hero .wrap,.talk,.fit{grid-template-columns:1fr;gap:40px}
  .steps{grid-template-columns:1fr;gap:28px}
  .doors{grid-template-columns:1fr}
  .proof-card{grid-template-columns:1fr;gap:10px}
  form.lead-form{grid-template-columns:1fr;padding:22px}
  .sticky span{display:none}
  .sticky .btn{width:100%}
  .bar .tel{font-size:14px}
}