/* ============================================================
   HARD MONEY LOANS GUY: Homepage v4
   Standalone stylesheet. Mobile first, fluid type and spacing.
   Colors: #111 base, #F7FF00 accent, #FFFFFF text.
   Fonts: Anton (display), Inter (body).
   Motion follows Emil Kowalski + Apple: transform/opacity only,
   140 to 220ms, strong custom easing, reduced motion fallback.
============================================================ */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font: inherit; }

/* ---------- Tokens ---------- */
:root {
  --black:      #0e0e0e;
  --surface:    #141414;
  --surface-2:  #1b1b1b;
  --line:       #262626;
  --line-soft:  rgba(255,255,255,0.08);
  --light-gray: #d6d6d6;
  --muted:      #adadad;
  --white:      #ffffff;
  --yellow:     #F7FF00;
  --green:      #31FF76;

  --font-headline: 'Anton', sans-serif;
  --font-body: 'Inter', sans-serif;

  --max-width: 1140px;

  /* Fluid spacing scale (mobile first, grows with viewport) */
  --space-2: clamp(0.57rem, 0.4rem + 0.5vw,0.81rem);
  --space-3: clamp(0.855rem, 0.6rem + 0.6vw,1.08rem);
  --space-4: clamp(1.14rem, 0.8rem + 0.9vw,1.62rem);
  --space-6: clamp(1.71rem, 1.1rem + 1.6vw,2.5rem);
  --space-8: clamp(2.0rem, 1.4rem + 2.6vw,3.5rem);
  --section-y: clamp(3.5rem, 2.4rem + 5vw,6.5rem);
  --gutter: clamp(1.425rem, 0.8rem + 2.2vw,2.0rem);

  /* Emil's strong easing curves */
  --ease-out: cubic-bezier(0.23, 1, 0.32, 1);
  --ease-in-out: cubic-bezier(0.77, 0, 0.175, 1);
  --radius: 14px;
}

/* ---------- Base ---------- */
html { scroll-behavior: smooth; -webkit-text-size-adjust: auto; text-size-adjust: auto; }

body {
  background-color: var(--black);
  color: var(--white);
  font-family: var(--font-body);
  font-size: clamp(1.125rem, 1.05rem + 0.3vw,1.19rem);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

/* Display headings: Anton, tight negative tracking as they scale (Apple typography) */
h1, h2 {
  font-family: var(--font-headline);
  text-transform: uppercase;
  line-height: 1.02;
  letter-spacing: -0.01em;
  color: var(--white);
  font-weight: 400;
}
h1 { font-size: clamp(3.35rem, 2.3rem + 5.4vw,5.5rem); }
h2 { font-size: clamp(2.5rem, 1.85rem + 2.8vw,3.25rem); }

h3 {
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: 0.01em;
  color: var(--white);
  font-size: clamp(1.539rem, 1.2rem + 0.6vw,1.62rem);
  line-height: 1.25;
}

p { color: var(--light-gray); }
p + p { margin-top: 0.9rem; }
strong { color: var(--white); font-weight: 700; }

.container { max-width: var(--max-width); margin: 0 auto; padding-inline: var(--gutter); }
.text-center { text-align: center; }
.mb-4 { margin-bottom: var(--space-6); }

/* Focus visibility for keyboard users */
a:focus-visible, button:focus-visible {
  outline: 2px solid var(--yellow);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- Section wrappers ---------- */
.section { padding-block: var(--section-y); }
.section--alt { background-color: var(--surface); border-block: 1px solid var(--line); }

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--yellow);
  margin-bottom: var(--space-3);
}
.section-head { max-width: 40rem; margin-inline: auto; }
.section-head h2 { margin-bottom: 0.5rem; }
.section-head .lead { margin-top: var(--space-3); }

/* ============================================================
   NAV: translucent sticky chrome (Apple materials)
============================================================ */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background-color: rgba(14,14,14,0.72);
  backdrop-filter: saturate(160%) blur(16px);
  -webkit-backdrop-filter: saturate(160%) blur(16px);
  border-bottom: 1px solid var(--line-soft);
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding-inline: var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 66px;
}
.nav-logo { display: flex; align-items: center; }
.nav-logo img { height: 44px; width: auto; }

.nav-links { display: none; align-items: center; gap: clamp(1.14rem, 2vw,2.0rem); }
.nav-links a {
  font-size: 0.943rem;
  font-weight: 600;
  color: var(--light-gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  transition: color 160ms var(--ease-out);
}
.nav-links a:hover { color: var(--white); }
.nav-cta.btn { padding: 9px 20px; font-size: 0.977rem; }

.nav-hamburger {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  background: none; border: none; cursor: pointer;
  padding: 10px;
}
.nav-hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: transform 200ms var(--ease-out), opacity 160ms var(--ease-out);
}
.nav-hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.nav-drawer {
  display: none;
  flex-direction: column;
  background-color: rgba(14,14,14,0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
  padding: var(--space-3) var(--gutter) var(--space-6);
  position: sticky;
  top: 66px;
  z-index: 199;
}
.nav-drawer.open { display: flex; }
.nav-drawer a {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--light-gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 15px 0;
  border-bottom: 1px solid var(--line);
  transition: color 160ms var(--ease-out);
}
.nav-drawer a:not(.btn):hover { color: var(--white); }
.nav-drawer .btn { margin-top: var(--space-4); text-align: center; border-bottom: none; }

/* ============================================================
   BUTTONS: with press feedback (Emil :active scale)
============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-headline);
  font-size: 1.15rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 14px 30px;
  border: 2px solid transparent;
  cursor: pointer;
  border-radius: 10px;
  transition: background-color 160ms var(--ease-out),
              color 160ms var(--ease-out),
              border-color 160ms var(--ease-out),
              transform 140ms var(--ease-out),
              box-shadow 200ms var(--ease-out);
  will-change: transform;
}
.btn-primary { background-color: var(--yellow); color: var(--black); box-shadow: 0 0 0 rgba(247,255,0,0); }
.btn-secondary { background-color: transparent; color: var(--white); border-color: rgba(255,255,255,0.28); }
.btn-outline-light { background-color: transparent; color: var(--white); border-color: rgba(255,255,255,0.3); }
.btn-lg { padding: 17px 38px; font-size: 1.288rem; }
.btn-sm { padding: 10px 20px; font-size: 0.977rem; }

@media (hover: hover) and (pointer: fine) {
  .btn-primary:hover { background-color: #ffffff; box-shadow: 0 8px 30px rgba(247,255,0,0.18); }
  .btn-secondary:hover { border-color: var(--white); background-color: var(--white); color: var(--black); }
  .btn-outline-light:hover { border-color: var(--white); background-color: var(--white); color: var(--black); }
}
.btn:active { transform: scale(0.97); }

/* ============================================================
   HERO
============================================================ */
.hero {
  position: relative;
  padding-block: clamp(3.5rem, 2rem + 8vw,7.5rem) var(--section-y);
  overflow: hidden;
  border-bottom: 1px solid var(--line);
  isolation: isolate;
}
/* Ambient depth: soft yellow glow that slowly drifts (aurora) */
.hero::before {
  content: "";
  position: absolute;
  inset: -20% -10% auto -10%;
  height: 70%;
  background: radial-gradient(60% 60% at 50% 0%, rgba(247,255,0,0.10), transparent 70%);
  pointer-events: none;
  z-index: -2;
  will-change: transform, opacity;
  animation: hero-glow 14s ease-in-out infinite alternate;
}
/* Subtle grid that slowly pans; masked so it fades at the edges */
.hero::after {
  content: "";
  position: absolute; inset: -64px;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(70% 60% at 50% 20%, #000 30%, transparent 100%);
  -webkit-mask-image: radial-gradient(70% 60% at 50% 20%, #000 30%, transparent 100%);
  pointer-events: none;
  z-index: -2;
  will-change: transform;
  animation: hero-grid 26s linear infinite;
}

/* Aurora layer: two soft brand-yellow blobs that drift behind the headline */
.hero-aurora {
  position: absolute;
  inset: 0;
  z-index: -3;
  pointer-events: none;
  overflow: hidden;
}
.hero-aurora::before,
.hero-aurora::after {
  content: "";
  position: absolute;
  width: 46rem;
  height: 46rem;
  border-radius: 50%;
  filter: blur(70px);
  opacity: 0.5;
  will-change: transform;
}
.hero-aurora::before {
  top: -22rem;
  left: 50%;
  background: radial-gradient(circle at 50% 50%, rgba(247,255,0,0.16), transparent 62%);
  animation: aurora-a 18s ease-in-out infinite alternate;
}
.hero-aurora::after {
  top: -18rem;
  left: 20%;
  width: 34rem;
  height: 34rem;
  background: radial-gradient(circle at 50% 50%, rgba(247,255,0,0.10), transparent 60%);
  animation: aurora-b 22s ease-in-out infinite alternate;
}

/* Brush-stroke accent: a thin yellow sheen that sweeps across once in a while */
.hero-sheen {
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  overflow: hidden;
  mask-image: radial-gradient(70% 55% at 50% 22%, #000 40%, transparent 100%);
  -webkit-mask-image: radial-gradient(70% 55% at 50% 22%, #000 40%, transparent 100%);
}
.hero-sheen::before {
  content: "";
  position: absolute;
  top: -20%;
  left: -60%;
  width: 40%;
  height: 140%;
  background: linear-gradient(105deg, transparent 0%, rgba(247,255,0,0.10) 45%, rgba(255,255,255,0.06) 50%, rgba(247,255,0,0.10) 55%, transparent 100%);
  transform: skewX(-16deg);
  will-change: transform;
  animation: hero-sheen 11s ease-in-out infinite;
}

/* Soft scrim to guarantee headline contrast over the motion */
.hero .container::before {
  content: "";
  position: absolute;
  inset: -8% -6%;
  z-index: -1;
  pointer-events: none;
  background: radial-gradient(60% 55% at 50% 42%, rgba(14,14,14,0.55), transparent 72%);
}
.hero .container { position: relative; text-align: center; }

/* ---- Hero motion keyframes (transform/opacity/filter only, GPU friendly) ---- */
@keyframes hero-glow {
  0%   { transform: translate3d(-2%, 0, 0) scale(1);    opacity: 0.85; }
  100% { transform: translate3d(2%, 3%, 0) scale(1.08); opacity: 1; }
}
@keyframes hero-grid {
  0%   { transform: translate3d(0, 0, 0); }
  100% { transform: translate3d(64px, 64px, 0); }
}
@keyframes aurora-a {
  0%   { transform: translate3d(-14%, 0, 0) scale(1); }
  100% { transform: translate3d(10%, 6%, 0) scale(1.12); }
}
@keyframes aurora-b {
  0%   { transform: translate3d(8%, 4%, 0) scale(1.05); }
  100% { transform: translate3d(-12%, -4%, 0) scale(0.95); }
}
@keyframes hero-sheen {
  0%   { transform: translateX(0) skewX(-16deg); }
  55%  { transform: translateX(420%) skewX(-16deg); }
  100% { transform: translateX(420%) skewX(-16deg); }
}

/* Trust strip numbers hold a stable width so a count-up never shifts layout */
.hero-stat .num { display: inline-block; font-variant-numeric: tabular-nums; }

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.828rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--light-gray);
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--line);
  padding: 7px 14px;
  border-radius: 999px;
  margin-bottom: var(--space-6);
}
.hero-pill .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 3px rgba(49,255,118,0.18);
}
.hero h1 { max-width: 16ch; margin-inline: auto; }
.hero h1 .accent { color: var(--yellow); }

.hero .lead {
  font-size: clamp(1.2rem, 1.1rem + 0.4vw,1.35rem);
  color: var(--white);
  max-width: 40rem;
  margin: var(--space-6) auto 0;
  line-height: 1.55;
}
.hero .sub {
  color: var(--light-gray);
  max-width: 36rem;
  margin: var(--space-3) auto 0;
  font-size: clamp(1.05rem, 1rem + 0.25vw,1.1rem);
}
.hero-actions {
  display: flex; gap: var(--space-4); flex-wrap: wrap;
  align-items: center; justify-content: center;
  margin-top: var(--space-8);
}

/* Trust strip under hero actions */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  max-width: 42rem;
  margin: var(--space-8) auto 0;
  padding-top: var(--space-6);
  border-top: 1px solid var(--line);
}
.hero-stat .num {
  font-family: var(--font-headline);
  font-size: clamp(1.85rem, 1.4rem + 2vw,2.4rem);
  color: var(--yellow);
  line-height: 1;
  font-feature-settings: "tnum";
}
.hero-stat .lbl {
  display: block;
  margin-top: 6px;
  font-size: 0.851rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}

/* ============================================================
   CARD GRID + LOAN CARDS
============================================================ */
.card-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); }

.loan-card {
  position: relative;
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  transition: transform 180ms var(--ease-out),
              border-color 180ms var(--ease-out),
              box-shadow 180ms var(--ease-out);
}
/* Thin yellow top accent that grows on hover */
.loan-card::before {
  content: "";
  position: absolute; left: var(--space-6); right: var(--space-6); top: 0;
  height: 2px;
  background: var(--yellow);
  transform: scaleX(0);
  transform-origin: left;
  opacity: 0.9;
  transition: transform 220ms var(--ease-out);
}
@media (hover: hover) and (pointer: fine) {
  .loan-card:hover {
    transform: translateY(-4px);
    border-color: rgba(247,255,0,0.4);
    box-shadow: 0 18px 40px rgba(0,0,0,0.45);
  }
  .loan-card:hover::before { transform: scaleX(1); }
}
.loan-card h3 { margin-bottom: 10px; }
.loan-card > p {
  font-size: clamp(1.05rem, 1rem + 0.2vw,1.0rem);
  color: var(--light-gray);
  flex-grow: 1;
  line-height: 1.6;
}

.loan-meta { display: grid; gap: 0; margin-top: var(--space-4); }
.loan-meta-item {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 12px; padding: 10px 0;
  border-bottom: 1px solid var(--line);
}
.loan-meta-item:first-child { border-top: 1px solid var(--line); }
.loan-meta-label { font-size: 0.943rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; }
.loan-meta-value { font-size: 1.127rem; color: var(--white); font-weight: 600; text-align: right; }

.loan-card .btn {
  align-self: flex-start;
  margin-top: var(--space-4);
  background: transparent;
  border: 1.5px solid var(--yellow);
  color: var(--yellow);
}
@media (hover: hover) and (pointer: fine) {
  .loan-card .btn:hover { background: var(--yellow); color: var(--black); }
}

/* ============================================================
   WHY CARDS
============================================================ */
.why-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: var(--space-6);
  transition: border-color 180ms var(--ease-out), transform 180ms var(--ease-out);
}
@media (hover: hover) and (pointer: fine) {
  .why-card:hover { border-color: rgba(247,255,0,0.35); transform: translateY(-3px); }
}
.why-card h3 { color: var(--yellow); margin-bottom: var(--space-3); }
.why-card p { font-size: clamp(1.05rem, 1rem + 0.2vw,1.0rem); line-height: 1.6; }
.why-card p + p { margin-top: 0.6rem; }
.why-card .note { margin-top: 0.75rem; font-size: clamp(1.083rem, 1.05rem - 0.2vw,0.918rem); color: var(--muted); }

/* ============================================================
   EXAMPLE DEAL
============================================================ */
.example-deal {
  max-width: 52rem; margin-inline: auto;
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: var(--space-6);
}
.deal-grid { display: grid; gap: 0; }
.deal-item {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 16px; padding: 13px 0;
  border-bottom: 1px solid var(--line);
}
.deal-item:first-child { border-top: 1px solid var(--line); }
.deal-label { font-size: 0.977rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); font-weight: 600; flex-shrink: 0; }
.deal-value { font-size: 1.15rem; color: var(--white); font-weight: 600; text-align: right; }
.deal-outcome {
  margin-top: var(--space-6);
  padding: var(--space-4);
  background: rgba(247,255,0,0.06);
  border: 1px solid rgba(247,255,0,0.22);
  border-radius: 10px;
}
.deal-outcome .section-label { margin-bottom: 6px; }
.deal-outcome p { margin: 0; color: var(--white); font-weight: 500; }

/* ============================================================
   NEW OPERATOR
============================================================ */
.narrow { max-width: 48rem; margin-inline: auto; text-align: center; }
.narrow .lead {
  font-size: clamp(1.197rem, 0.98rem + 0.4vw,1.35rem);
  color: var(--light-gray);
  margin-top: var(--space-6);
  line-height: 1.6;
}
.narrow .btn { margin-top: var(--space-8); }

/* ============================================================
   MARKETS: state tags
============================================================ */
.states-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: var(--space-4); }
.state-tag {
  font-size: 1.012rem; font-weight: 600;
  color: var(--white);
  background: rgba(255,255,255,0.05);
  border: 1px solid var(--line);
  padding: 6px 11px; border-radius: 7px;
  text-transform: uppercase; letter-spacing: 0.03em;
  transition: border-color 160ms var(--ease-out), color 160ms var(--ease-out);
}
.state-tag--active { border-color: rgba(247,255,0,0.3); }
.state-tag--no { color: var(--muted); }
.markets-link { color: var(--yellow); font-weight: 600; }
.markets-link:hover { text-decoration: underline; }

/* ============================================================
   BOTTOM CTA
============================================================ */
.cta-section {
  position: relative;
  padding-block: var(--section-y);
  text-align: center;
  background:
    radial-gradient(70% 120% at 50% 0%, rgba(247,255,0,0.10), transparent 60%),
    var(--surface);
  border-top: 1px solid var(--line);
}
.cta-section h2 { margin-bottom: var(--space-4); }
.cta-section p { max-width: 40rem; margin: 0 auto var(--space-6); font-size: clamp(1.277rem, 1.05rem + 0.3vw,1.242rem); color: var(--light-gray); line-height: 1.6; }
.cta-actions { display: flex; gap: var(--space-4); flex-wrap: wrap; justify-content: center; }

/* ============================================================
   FOOTER
============================================================ */
.site-footer {
  background-color: var(--black);
  border-top: 1px solid var(--line);
  padding: var(--space-8) var(--gutter) var(--space-6);
}
.footer-inner { max-width: var(--max-width); margin: 0 auto; }
.footer-top {
  display: flex; flex-direction: column; gap: var(--space-6);
  padding-bottom: var(--space-6);
  border-bottom: 1px solid var(--line);
}
.footer-brand img { height: 40px; width: auto; margin-bottom: var(--space-4); }
.footer-brand p { font-size: 0.943rem; color: var(--muted); max-width: 34rem; line-height: 1.6; }
.footer-links { display: flex; flex-wrap: wrap; gap: 12px 24px; }
.footer-links a {
  font-size: 0.943rem; font-weight: 600; color: var(--light-gray);
  text-transform: uppercase; letter-spacing: 0.05em;
  transition: color 160ms var(--ease-out);
}
.footer-links a:hover { color: var(--yellow); }
.footer-bottom { padding-top: var(--space-6); display: flex; flex-direction: column; gap: 10px; }
.footer-copy { font-size: 0.862rem; color: var(--muted); }
.footer-disclaimer { font-size: 0.862rem; color: #6a6a6a; line-height: 1.7; }
.footer-disclaimer a { color: #8f8f8f; transition: color 160ms var(--ease-out); }
.footer-disclaimer a:hover { color: var(--light-gray); }

/* ============================================================
   SCROLL REVEAL (Emil: opacity + small translate, stagger)
   Default state assumes JS present. .no-js short-circuits below.
============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 500ms var(--ease-out), transform 500ms var(--ease-out);
  transition-delay: var(--reveal-delay, 0ms);
  will-change: transform, opacity;
}
.reveal.is-visible { opacity: 1; transform: none; }
/* If JS never runs, never hide content */
.no-js .reveal { opacity: 1; transform: none; }

/* ============================================================
   RESPONSIVE: layouts widen with viewport
============================================================ */
@media (min-width: 640px) {
  .hero-actions { flex-wrap: nowrap; }
  .card-grid--2 { grid-template-columns: repeat(2, 1fr); }
  .card-grid--3 { grid-template-columns: repeat(2, 1fr); }
  .footer-top { flex-direction: row; justify-content: space-between; align-items: flex-start; }
  .footer-brand { max-width: 40%; }
}
@media (min-width: 900px) {
  .nav-links { display: flex; }
  .nav-hamburger { display: none; }
  .card-grid--3 { grid-template-columns: repeat(3, 1fr); }
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; }
}

/* ============================================================
   REDUCED MOTION: disable all movement, keep opacity only
============================================================ */
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; }
  .reveal { transition: opacity 240ms ease; transform: none; }
  .reveal:not(.is-visible) { opacity: 0; }
  .btn, .loan-card, .why-card, .state-tag, .nav-hamburger span { transition: opacity 200ms ease, background-color 200ms ease, color 200ms ease, border-color 200ms ease; }
  .btn:active { transform: none; }
  .loan-card:hover, .why-card:hover { transform: none; }
  .loan-card::before { transition: none; }

  /* Kill all ambient hero motion, keep the static glow / grid look */
  .hero::before,
  .hero::after,
  .hero-aurora::before,
  .hero-aurora::after,
  .hero-sheen::before {
    animation: none !important;
  }
  /* Park the sheen off screen so no static bright band sits over the headline */
  .hero-sheen::before { opacity: 0; }
}

/* ============================================================
   SHARED PAGE COMPONENTS (added for interior pages)
   Forms, accordion, page hero, legal article, process steps,
   deal detail, criteria columns, trust badges, benefit lists.
============================================================ */

/* ---- Simple page hero (interior pages) ---- */
.page-hero {
  position: relative;
  padding-block: clamp(2.75rem, 1.8rem + 5vw, 5rem) var(--section-y);
  border-bottom: 1px solid var(--line);
  text-align: center;
  overflow: hidden;
  isolation: isolate;
  background:
    radial-gradient(60% 120% at 50% 0%, rgba(247,255,0,0.08), transparent 60%),
    var(--black);
}
.page-hero .container { position: relative; }
.page-hero h1 { max-width: 20ch; margin-inline: auto; }
.page-hero .lead {
  font-size: clamp(1.2rem, 1.1rem + 0.4vw, 1.35rem);
  color: var(--white);
  max-width: 42rem;
  margin: var(--space-4) auto 0;
  line-height: 1.55;
}
.page-hero .sub {
  color: var(--light-gray);
  max-width: 40rem;
  margin: var(--space-3) auto 0;
}
.page-hero .hero-actions { margin-top: var(--space-6); }

/* Section intro helper (left aligned within constrained container) */
.section-intro { max-width: 48rem; }
.section-intro h2 { margin-bottom: var(--space-3); }
.section-intro .lead {
  font-size: clamp(1.15rem, 1.02rem + 0.4vw, 1.3rem);
  color: var(--light-gray);
  line-height: 1.6;
  margin-top: var(--space-3);
}
.prose p { margin-top: var(--space-3); line-height: 1.7; }
.prose p:first-child { margin-top: 0; }
.prose a { color: var(--yellow); font-weight: 600; }
.prose a:hover { text-decoration: underline; }
.prose h3 { margin-top: var(--space-6); margin-bottom: var(--space-3); }
.prose ul.bullets { margin-top: var(--space-3); padding-left: 1.2rem; list-style: disc; }
.prose ul.bullets li { color: var(--light-gray); line-height: 1.9; }

/* ---- FORMS ---- */
.form-wrap {
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: var(--space-6);
  max-width: 46rem;
  margin-inline: auto;
}
.form-wrap h2 { margin-bottom: 0.5rem; }
.form-group { margin-bottom: var(--space-4); }
.form-row { display: grid; grid-template-columns: 1fr; gap: var(--space-4); }
@media (min-width: 560px) { .form-row { grid-template-columns: 1fr 1fr; } }
.form-group label {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
  letter-spacing: 0.01em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--white);
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 13px 15px;
  transition: border-color 160ms var(--ease-out), background-color 160ms var(--ease-out);
}
.form-group textarea { resize: vertical; min-height: 96px; line-height: 1.6; }
.form-group input::placeholder,
.form-group textarea::placeholder { color: #7d7d7d; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--yellow);
  background: rgba(255,255,255,0.05);
}
.form-group select { appearance: none; -webkit-appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 14 14'%3E%3Cpath d='M2 4l5 5 5-5' stroke='%23F7FF00' stroke-width='1.6' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 15px center; padding-right: 40px; }
.form-group select option { background: var(--surface); color: var(--white); }
.form-hint { font-size: 0.86rem; color: var(--muted); margin: -2px 0 8px; }
.form-optional { font-weight: 400; color: var(--muted); }
.form-note { font-size: 0.95rem; color: var(--muted); margin-top: var(--space-3); }
.form-disclaimer { font-size: 0.86rem; color: #6a6a6a; margin-top: var(--space-4); line-height: 1.6; }
.form-submit { margin-top: var(--space-2); }
.alert { border-radius: 10px; padding: 14px 16px; margin: var(--space-4) 0; font-weight: 500; line-height: 1.5; }
.alert-success { background: rgba(49,255,118,0.08); border: 1px solid rgba(49,255,118,0.35); color: #b6ffce; }
.alert-error { background: rgba(255,80,80,0.08); border: 1px solid rgba(255,80,80,0.35); color: #ffc2c2; }
.alert-error a { color: #ffdada; text-decoration: underline; }
.form-feedback { font-size: 0.98rem; font-weight: 600; }

/* Two column form layout (referral / investor "why + form") */
.split-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-6); align-items: start; }
@media (min-width: 900px) { .split-grid { grid-template-columns: 1fr 1fr; } }
.check-list { display: flex; flex-direction: column; gap: 14px; margin-top: var(--space-4); }
.check-list li { display: flex; gap: 12px; align-items: flex-start; color: var(--light-gray); line-height: 1.5; }
.check-list li::before { content: "✓"; color: var(--yellow); font-weight: 700; flex-shrink: 0; }

/* ---- ACCORDION (FAQ) ---- */
.accordion { margin-top: var(--space-4); }
.accordion-item { border-bottom: 1px solid var(--line); }
.accordion-trigger {
  width: 100%; background: none; border: none; cursor: pointer;
  padding: 20px 0; display: flex; align-items: center; justify-content: space-between;
  gap: 16px; text-align: left;
}
.accordion-question { font-size: 1.1rem; font-weight: 600; color: var(--white); line-height: 1.4; }
.accordion-icon { font-size: 1.5rem; color: var(--yellow); flex-shrink: 0; line-height: 1; transition: transform 200ms var(--ease-out); }
.accordion-trigger[aria-expanded="true"] .accordion-icon { transform: rotate(45deg); }
.accordion-body {
  display: none; padding: 0 0 22px; font-size: 1.05rem; color: var(--light-gray);
  line-height: 1.75; max-width: 44rem;
}
.accordion-trigger[aria-expanded="true"] + .accordion-body { display: block; }
.accordion-body a { color: var(--yellow); font-weight: 600; }
.accordion-body a:hover { text-decoration: underline; }
.accordion-body strong { color: var(--white); }
.faq-inline-cta { display: inline-block; margin-top: 10px; font-weight: 700; color: var(--yellow); }
.faq-inline-cta:hover { text-decoration: underline; }

/* FAQ category label + jump nav + trust bar + contextual CTA */
.faq-cat-label {
  display: flex; align-items: center; gap: 12px;
  margin: var(--space-8) 0 0;
  font-family: var(--font-headline); text-transform: uppercase;
  font-size: clamp(1.6rem, 1.3rem + 1vw, 1.9rem); letter-spacing: -0.01em; color: var(--white);
  scroll-margin-top: 84px;
}
.faq-cat-label::before { content: ""; display: block; width: 4px; height: 26px; background: var(--yellow); border-radius: 2px; flex-shrink: 0; }
.faq-jump-nav { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: var(--space-4); }
.faq-jump-nav a {
  padding: 7px 15px; border: 1px solid var(--line); border-radius: 999px;
  font-size: 0.9rem; font-weight: 600; color: var(--light-gray);
  transition: border-color 160ms var(--ease-out), color 160ms var(--ease-out);
}
.faq-jump-nav a:hover { border-color: var(--yellow); color: var(--yellow); }
.trust-bar { display: flex; flex-wrap: wrap; gap: 10px; margin-top: var(--space-6); justify-content: center; }
.trust-badge {
  display: inline-flex; align-items: center; gap: 8px; padding: 9px 15px;
  background: var(--surface); border: 1px solid var(--line); border-radius: 8px;
  font-size: 0.92rem; font-weight: 600; color: var(--white);
}
.trust-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--yellow); flex-shrink: 0; }
.faq-cat-cta {
  display: flex; align-items: center; flex-wrap: wrap; gap: 14px;
  margin-top: var(--space-6); padding: 18px 22px;
  background: var(--surface); border: 1px solid var(--line); border-radius: 10px;
}
.faq-cat-cta span { font-size: 0.95rem; color: var(--muted); font-weight: 600; }
.faq-cat-cta a { font-size: 0.95rem; font-weight: 700; color: var(--yellow); }
.faq-cat-cta a:hover { text-decoration: underline; }
.faq-cat-cta-sep { color: var(--line); }

/* ---- PROCESS STEPS (how-it-works, investor) ---- */
.steps-track { display: grid; grid-template-columns: 1fr; gap: var(--space-6); margin-top: var(--space-8); }
@media (min-width: 760px) { .steps-track { grid-template-columns: repeat(4, 1fr); } }
.step-node { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 14px; }
.step-icon {
  width: 74px; height: 74px; border: 2px solid var(--yellow); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; background: var(--surface);
  position: relative; flex-shrink: 0;
}
.step-num {
  position: absolute; top: -8px; right: -8px; width: 26px; height: 26px;
  background: var(--yellow); color: var(--black); font-family: var(--font-headline);
  font-size: 0.85rem; border-radius: 50%; display: flex; align-items: center; justify-content: center;
}
.step-label { font-family: var(--font-headline); text-transform: uppercase; font-size: 1.15rem; letter-spacing: 0.02em; color: var(--white); }
.step-timing { font-size: 0.82rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--yellow); }
.step-detail { font-size: 1rem; color: var(--light-gray); line-height: 1.55; max-width: 15rem; }
@media (max-width: 759px) {
  .step-node {
    display: grid; grid-template-columns: 74px 1fr; column-gap: 18px;
    align-items: start; text-align: left; row-gap: 4px;
  }
  .step-icon { grid-row: 1 / span 3; }
  .step-detail { max-width: none; }
}
/* numbered steps (investor) */
.steps-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); margin-top: var(--space-4); }
@media (min-width: 760px) { .steps-grid { grid-template-columns: repeat(3, 1fr); } }
.step {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--space-6);
}
.step-number {
  width: 44px; height: 44px; border-radius: 50%; background: var(--yellow); color: var(--black);
  font-family: var(--font-headline); font-size: 1.25rem; display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-4);
}
.step h4 { font-family: var(--font-body); font-weight: 700; font-size: 1.2rem; color: var(--white); margin-bottom: 8px; }
.step p { font-size: 1.02rem; color: var(--light-gray); line-height: 1.6; }

/* ---- WHAT TO SEND grid (how-it-works) ---- */
.send-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); margin-top: var(--space-6); }
@media (min-width: 560px) { .send-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 900px) { .send-grid { grid-template-columns: repeat(3, 1fr); } }
.send-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: var(--space-4); display: flex; gap: 14px; align-items: flex-start;
}
.send-icon {
  width: 42px; height: 42px; border-radius: 50%; background: rgba(247,255,0,0.08);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.send-card h4 { font-family: var(--font-body); font-weight: 700; font-size: 1.1rem; color: var(--white); margin-bottom: 5px; }
.send-card p { font-size: 0.98rem; color: var(--light-gray); line-height: 1.55; }
.send-note {
  margin-top: var(--space-6); padding: 16px 20px; border-left: 3px solid var(--yellow);
  background: var(--surface); font-size: 1rem; color: var(--light-gray); border-radius: 0 8px 8px 0; line-height: 1.6;
}

/* ---- DEAL DETAIL (how-it-works example deal) ---- */
.deal-detail {
  max-width: 52rem; margin: var(--space-6) auto 0;
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid rgba(247,255,0,0.28); border-radius: var(--radius); overflow: hidden;
}
.deal-detail-header {
  padding: 18px 24px; background: var(--surface); border-bottom: 1px solid var(--line);
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px;
}
.deal-detail-badge {
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--black); background: var(--yellow); padding: 4px 10px; border-radius: 4px;
}
.deal-detail-loc { font-size: 0.95rem; color: var(--light-gray); font-weight: 600; }
.deal-metrics { display: grid; grid-template-columns: repeat(2, 1fr); border-bottom: 1px solid var(--line); }
@media (min-width: 560px) { .deal-metrics { grid-template-columns: repeat(4, 1fr); } }
.deal-metric { padding: 20px 16px; border-right: 1px solid var(--line); border-top: 1px solid var(--line); text-align: center; }
.deal-metric-val { font-family: var(--font-headline); font-size: clamp(1.7rem, 1.4rem + 1vw, 2rem); color: var(--yellow); line-height: 1; margin-bottom: 6px; }
.deal-metric-label { font-size: 0.76rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.deal-body-grid { display: grid; grid-template-columns: 1fr; }
@media (min-width: 640px) { .deal-body-grid { grid-template-columns: 1fr 1fr; } }
.deal-numbers { padding: 22px 24px; }
@media (min-width: 640px) { .deal-numbers { border-right: 1px solid var(--line); } }
.deal-numbers h4, .deal-stack h4 { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; }
.deal-row { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: 1rem; }
.deal-row:last-child { border-bottom: none; }
.deal-row span:first-child { color: var(--light-gray); }
.deal-row span:last-child { color: var(--white); font-weight: 600; text-align: right; }
.deal-row .good { color: var(--green); }
.deal-stack { padding: 22px 24px; border-top: 1px solid var(--line); }
@media (min-width: 640px) { .deal-stack { border-top: none; } }
.stack-bar { display: flex; height: 34px; border-radius: 6px; overflow: hidden; margin-bottom: 16px; }
.stack-hmlg { background: var(--yellow); display: flex; align-items: center; justify-content: center; font-family: var(--font-headline); font-size: 0.8rem; color: var(--black); }
.stack-borrower { background: var(--surface-2); border: 1px solid var(--line); display: flex; align-items: center; justify-content: center; font-size: 0.8rem; color: var(--light-gray); }
.stack-legend { display: flex; flex-direction: column; gap: 10px; }
.stack-item { display: flex; justify-content: space-between; align-items: center; font-size: 0.98rem; }
.stack-item-label { display: flex; align-items: center; gap: 8px; color: var(--light-gray); }
.stack-dot { width: 11px; height: 11px; border-radius: 50%; flex-shrink: 0; }
.stack-item-val { color: var(--white); font-weight: 600; }
.deal-outcome-bar { padding: 18px 24px; border-top: 1px solid var(--line); font-size: 1rem; color: var(--light-gray); line-height: 1.65; }
.deal-outcome-bar strong { color: var(--green); }

/* ---- CRITERIA columns (how-it-works) ---- */
.criteria-grid { display: grid; grid-template-columns: 1fr; gap: var(--space-4); margin-top: var(--space-6); }
@media (min-width: 640px) { .criteria-grid { grid-template-columns: 1fr 1fr; } }
.criteria-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--space-6); }
.criteria-card.approved { border-top: 3px solid var(--green); }
.criteria-card.declined { border-top: 3px solid #ff5a5a; }
.criteria-card h3 { font-family: var(--font-headline); text-transform: uppercase; font-size: 1.3rem; letter-spacing: 0.01em; margin-bottom: var(--space-4); }
.criteria-card.approved h3 { color: var(--green); }
.criteria-card.declined h3 { color: #ff7b7b; }
.criteria-list { display: flex; flex-direction: column; gap: 12px; }
.criteria-list li { display: flex; gap: 12px; align-items: flex-start; font-size: 1rem; color: var(--light-gray); line-height: 1.5; }
.criteria-list .mk { flex-shrink: 0; font-weight: 700; }
.criteria-card.approved .mk { color: var(--green); }
.criteria-card.declined .mk { color: #ff7b7b; }

/* ---- BENEFIT LIST (investor) ---- */
.benefit-list { display: flex; flex-direction: column; gap: var(--space-4); }
.benefit-list li { display: flex; gap: 12px; align-items: flex-start; color: var(--light-gray); line-height: 1.6; }
.benefit-list li::before { content: "▸"; color: var(--yellow); flex-shrink: 0; font-weight: 700; }
.benefit-list strong { color: var(--white); }

/* investor testimonial cards */
.testimonial-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--space-6); }
.testimonial-body { color: var(--light-gray); line-height: 1.65; font-size: 1.02rem; margin-bottom: var(--space-4); }
.testimonial-author { color: var(--white); font-weight: 700; }
.testimonial-title { color: var(--muted); font-size: 0.9rem; margin-top: 2px; }

/* two column info (investor why-invest, florida based-here) */
.two-col { display: grid; grid-template-columns: 1fr; gap: var(--space-6); align-items: start; }
@media (min-width: 900px) { .two-col { grid-template-columns: 1fr 1fr; } }

/* ---- LEGAL ARTICLE ---- */
.legal-content {
  max-width: 48rem; margin: 0 auto;
  padding: var(--space-8) var(--gutter) var(--section-y);
}
.legal-content h1 { font-size: clamp(2.6rem, 2rem + 2.5vw, 3.5rem); margin-bottom: 8px; }
.legal-date { display: block; color: var(--muted); font-size: 0.95rem; margin-bottom: var(--space-6); }
.legal-content h2 {
  font-size: clamp(1.5rem, 1.3rem + 1vw, 1.9rem); margin-top: var(--space-8); margin-bottom: var(--space-3);
}
.legal-content h3 { margin-top: var(--space-6); margin-bottom: var(--space-2); }
.legal-content p { color: var(--light-gray); line-height: 1.8; margin-top: var(--space-3); font-size: 1.08rem; }
.legal-content ul { margin-top: var(--space-3); padding-left: 1.3rem; list-style: disc; }
.legal-content ul li { color: var(--light-gray); line-height: 1.8; margin-bottom: 8px; font-size: 1.08rem; }
.legal-content a { color: var(--yellow); font-weight: 600; }
.legal-content a:hover { text-decoration: underline; }
.legal-content strong { color: var(--white); }

/* utility */
.mt-2 { margin-top: var(--space-4); }
.narrow-40 { max-width: 40rem; margin-inline: auto; }

/* ============================================================
   NAV CTA text color fix (2026-08-17)
   .nav-links a (0,0,1,1) was overriding .btn-primary black text,
   so Apply Now rendered light on yellow. Restore black.
============================================================ */
.nav-links a.nav-cta,
.nav-links a.nav-cta:hover { color: var(--black); }

/* ============================================================
   U.S. LENDING MAP (2026-08-17) — brand colors
============================================================ */
.map-wrap { max-width: 1000px; margin: var(--space-6) auto 0; }
.us-map { width: 100%; height: auto; display: block; overflow: visible; }
.us-map .us-state {
  fill: var(--surface-2);
  stroke: #0e0e0e;
  stroke-width: 1;
  stroke-linejoin: round;
  transition: fill 220ms var(--ease-out), filter 220ms var(--ease-out);
}
.us-map .us-state.lend { fill: var(--yellow); }
.us-map .us-state.dnl  { fill: #3c3f47; }
@media (hover: hover) and (pointer: fine) {
  .us-map .us-state.lend:hover { fill: #ffffff; cursor: default; }
}
.map-legend {
  display: flex; gap: var(--space-6); justify-content: center;
  margin-top: var(--space-4); flex-wrap: wrap;
}
.map-legend span {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-weight: 600; color: var(--light-gray); font-size: 0.95rem;
}
.map-legend i {
  width: 16px; height: 16px; border-radius: 4px; display: inline-block;
}
.map-legend i.k-lend { background: var(--yellow); }
.map-legend i.k-dnl  { background: #3c3f47; border: 1px solid var(--line); }
.dnl-list {
  margin-top: var(--space-3); text-align: center;
  color: var(--muted); font-size: 0.9rem; max-width: 44rem; margin-inline: auto;
}