/* Cavalry Business Solutions — site styles
   Colors come from the theme blocks below. Switch themes with `theme` in site.config.js. */
:root {
  --black: #0e0e0f;
  --ink: #16171a;
  --charcoal: #1f2024;
  --slate: #2b2d33;
  --text: #24262b;
  --muted: #646872;
  --line: #e4e2dc;
  --bg: #ffffff;
  --bg-alt: #f6f4ef;
  --danger: #b42318;
  --success: #1f7a4d;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(16, 17, 20, .06), 0 8px 24px rgba(16, 17, 20, .07);
  --font: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --serif: 'Fraunces', Georgia, serif;
}

/* ---------- Themes ---------- */
:root, [data-theme="gold"] {
  --dark: #0e0e0f; --dark-2: #1f2024; --dark-rgb: 14, 14, 15; --dark-line: #2a2b30;
  --on-dark: #c9cacd; --on-dark-muted: #a9aab0;
  --accent: #c8962e; --accent-hover: #d9a73d; --on-accent: #0e0e0f;
  --accent-bright: #c8962e; --accent-ink: #a87a1d; --accent-soft: #f5ead2; --accent-rgb: 200, 150, 46;
}
[data-theme="emerald"] {          /* Emerald on black */
  --dark: #0e0e0f; --dark-2: #1b1f1d; --dark-rgb: 14, 14, 15; --dark-line: #29302c;
  --on-dark: #c9cdca; --on-dark-muted: #a6aca8;
  --accent: #0a7d50; --accent-hover: #086a44; --on-accent: #ffffff;
  --accent-bright: #3fd197; --accent-ink: #087047; --accent-soft: #e2f3eb; --accent-rgb: 10, 125, 80;
}
[data-theme="deep-emerald"] {     /* Deep emerald green backgrounds */
  --dark: #032e22; --dark-rgb: 3, 46, 34; --dark-2: #064a36; --dark-line: #0d4433;
  --on-dark: #cfe3da; --on-dark-muted: #9fc2b3;
  --accent: #1fb578; --accent-hover: #29c788; --on-accent: #022419;
  --accent-bright: #5fe3ac; --accent-ink: #087047; --accent-soft: #e2f3eb; --accent-rgb: 31, 181, 120;
}
[data-theme="red"] {              /* Red on black */
  --dark: #0e0e0f; --dark-2: #201c1d; --dark-rgb: 14, 14, 15; --dark-line: #302a2b;
  --on-dark: #cdc9ca; --on-dark-muted: #aca6a7;
  --accent: #c1121f; --accent-hover: #a40f1a; --on-accent: #ffffff;
  --accent-bright: #f2545e; --accent-ink: #b0101d; --accent-soft: #fbe6e7; --accent-rgb: 193, 18, 31;
}
[data-theme="crimson"] {          /* Deep crimson backgrounds */
  --dark: #2e070c; --dark-rgb: 46, 7, 12; --dark-2: #4d0e16; --dark-line: #521820;
  --on-dark: #ead2d4; --on-dark-muted: #c9a5a9;
  --accent: #e0303d; --accent-hover: #c82633; --on-accent: #ffffff;
  --accent-bright: #ff8a92; --accent-ink: #a3151f; --accent-soft: #fbe6e7; --accent-rgb: 224, 48, 61;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); color: var(--text); background: var(--bg); line-height: 1.6; font-size: 16px; }
img, svg { max-width: 100%; }
a { color: inherit; }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.15; margin: 0 0 .5em; }
h1 { font-family: var(--serif); font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -.02em; font-weight: 700; }
h2 { font-family: var(--serif); font-size: clamp(1.7rem, 3.4vw, 2.5rem); letter-spacing: -.015em; font-weight: 600; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
em { font-style: normal; color: var(--accent-bright); }

.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 860px; }
.center { text-align: center; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: #fff; padding: 8px 12px; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 24px; border-radius: 8px; font-weight: 600; font-size: 1rem; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s; font-family: inherit; line-height: 1.2; }
.btn:hover { transform: translateY(-1px); }
.btn:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
.btn-lg { padding: 16px 30px; font-size: 1.05rem; }
.btn-sm { padding: 9px 18px; font-size: .92rem; }
.btn-gold { background: var(--accent); color: var(--on-accent); }
.btn-gold:hover { background: var(--accent-hover); }
.btn-navy { background: var(--ink); color: #fff; }
.btn-navy:hover { background: var(--slate); }
.btn-outline { background: #fff; color: var(--ink); border-color: var(--line); }
.btn-outline:hover { border-color: var(--ink); }
.btn-ghost-light { color: #fff; border-color: rgba(255, 255, 255, .35); }
.btn-ghost-light:hover { border-color: #fff; background: rgba(255, 255, 255, .06); }
.btn[disabled] { opacity: .6; cursor: wait; transform: none; }
.text-link { color: var(--ink); font-weight: 600; text-decoration: none; border-bottom: 2px solid var(--accent); padding-bottom: 2px; }

.eyebrow { text-transform: uppercase; letter-spacing: .16em; font-size: .78rem; font-weight: 700; color: var(--accent-bright); margin-bottom: 14px; }
.eyebrow-dark { color: var(--accent-ink); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 2px 12px rgba(0, 0, 0, .04); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; color: var(--ink); }
.logo-img { height: 46px; width: auto; display: block; }
.wordmark { display: inline-flex; flex-direction: column; line-height: 1; }
.wm-main { font-family: 'Inter', Arial, sans-serif; font-weight: 800; font-size: 1.85rem; letter-spacing: -.04em; color: var(--black); }
.wm-sub { font-size: .52rem; letter-spacing: .42em; text-transform: uppercase; font-weight: 600; margin-top: 3px; color: var(--black); }
.wordmark-light .wm-main, .wordmark-light .wm-sub { color: #fff; }
.site-nav { display: flex; align-items: center; gap: 24px; }
.site-nav a { text-decoration: none; font-weight: 500; color: var(--slate); font-size: .95rem; white-space: nowrap; padding: 6px 0; }
.site-nav a:not(.btn):hover, .site-nav a.is-active { color: var(--black); box-shadow: inset 0 -2px 0 var(--accent); }
.site-nav .btn { color: var(--on-accent); }
.nav-phone { font-weight: 600 !important; color: var(--ink) !important; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; transition: transform .2s, opacity .2s; }

@media (max-width: 1120px) {
  .nav-toggle { display: block; }
  .site-nav { position: fixed; inset: 76px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; padding: 8px 24px 24px; border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(0, 0, 0, .08); transform: translateY(-8px); opacity: 0; pointer-events: none; transition: opacity .2s, transform .2s; }
  .site-nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .site-nav a:not(.btn):hover, .site-nav a.is-active { box-shadow: none; }
  .site-nav .btn { margin-top: 16px; border: 0; padding: 14px; }
  .nav-open .site-nav { opacity: 1; transform: none; pointer-events: auto; }
  .nav-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
  .nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .logo-img { height: 38px; }
}

/* ---------- Hero ---------- */
.hero, .page-hero, .apply-hero { background: radial-gradient(1200px 500px at 85% -10%, rgba(var(--accent-rgb), .20), transparent 60%), linear-gradient(180deg, var(--dark), var(--dark-2)); color: var(--on-dark); position: relative; overflow: hidden; }
.hero::after, .page-hero::after { content: ''; position: absolute; inset: auto 0 0 0; height: 4px; background: linear-gradient(90deg, var(--accent), transparent 70%); }
.hero h1, .page-hero h1, .apply-hero h1 { color: #fff; }
.hero { padding: 96px 0 104px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center; }
.lead { font-size: 1.17rem; color: var(--on-dark); max-width: 40em; }
.lead-dark { font-size: 1.15rem; color: var(--muted); }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin: 30px 0 26px; }
.hero-points { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px 26px; font-size: .94rem; color: var(--on-dark-muted); }
.hero-points li::before { content: '✓'; color: var(--accent-bright); font-weight: 700; margin-right: 8px; }
.hero-card { background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .1); border-radius: 18px; padding: 10px; backdrop-filter: blur(6px); }
.glance { background: #fff; color: var(--text); border-radius: 12px; padding: 22px 24px; margin-bottom: 10px; }
.glance-head { display: flex; justify-content: space-between; align-items: center; font-weight: 700; color: var(--ink); }
.pill { font-size: .72rem; font-weight: 700; letter-spacing: .04em; background: var(--accent-soft); color: var(--accent-ink); padding: 4px 10px; border-radius: 99px; }
.glance-amount { font-family: var(--serif); font-size: 1.9rem; font-weight: 700; color: var(--black); margin: 10px 0 6px; letter-spacing: -.01em; }
.glance-meta { display: flex; gap: 18px; flex-wrap: wrap; font-size: .87rem; color: var(--muted); }
.glance-link { display: block; text-align: center; padding: 12px; color: var(--accent-bright); font-weight: 600; text-decoration: none; }
.glance-link:hover { text-decoration: underline; }

.page-hero { padding: 80px 0 88px; }
.page-hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 56px; align-items: center; }
.page-hero .center .lead { margin-left: auto; margin-right: auto; }
.term-card { margin: 0; background: #fff; border-radius: 16px; padding: 8px 26px; box-shadow: 0 20px 50px rgba(0, 0, 0, .35); border-top: 4px solid var(--accent); }
.term-card div { display: flex; justify-content: space-between; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.term-card div:last-child { border: 0; }
.term-card dt { color: var(--muted); font-size: .93rem; }
.term-card dd { margin: 0; font-weight: 700; color: var(--ink); text-align: right; }

/* ---------- Trust bar ---------- */
.trust-bar { border-bottom: 1px solid var(--line); background: #fff; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { padding: 28px 20px; border-right: 1px solid var(--line); display: flex; flex-direction: column; gap: 2px; }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid strong { font-family: var(--serif); font-size: 1.35rem; color: var(--black); }
.trust-grid span { font-size: .9rem; color: var(--muted); }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head.center, .narrow .section-head { margin-left: auto; margin-right: auto; text-align: center; }

.product-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.product-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 40px; transition: box-shadow .2s, transform .2s, border-color .2s; }
.product-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: #d6d2c8; }
.product-icon { width: 56px; height: 56px; border-radius: 14px; background: var(--dark); color: var(--accent-bright); display: grid; place-items: center; margin-bottom: 22px; }
.product-card h3 { font-size: 1.4rem; }
.product-card p { color: var(--muted); }
.checks { list-style: none; padding: 0; margin: 0 0 24px; }
.checks li { padding: 7px 0 7px 30px; position: relative; }
.checks li::before { content: ''; position: absolute; left: 0; top: 11px; width: 18px; height: 18px; border-radius: 50%; background: var(--accent-soft); }
.checks li::after { content: ''; position: absolute; left: 6px; top: 14px; width: 5px; height: 9px; border: solid var(--accent-ink); border-width: 0 2.5px 2.5px 0; transform: rotate(45deg); }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: s; }
.steps li { background: #fff; border-radius: 16px; padding: 34px 30px; border: 1px solid var(--line); position: relative; }
.step-num { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--dark); color: var(--accent-bright); font-weight: 700; font-family: var(--serif); font-size: 1.2rem; margin-bottom: 18px; }
.steps p { color: var(--muted); margin: 0; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split p { color: var(--muted); font-size: 1.05rem; }
.compare { background: #fff; border-radius: 16px; border: 1px solid var(--line); overflow: hidden; box-shadow: var(--shadow); }
.compare-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr; padding: 16px 22px; border-bottom: 1px solid var(--line); font-size: .95rem; gap: 10px; }
.compare-row:last-child { border: 0; }
.compare-head { background: var(--dark); color: #fff; font-weight: 700; }
.compare-head span:nth-child(2) { color: var(--accent-bright); }
.yes { color: var(--success); font-weight: 600; }
.no { color: var(--muted); }

.req-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.req { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 28px; text-align: center; }
.section-alt .req { border-color: transparent; }
.req strong { display: block; font-family: var(--serif); font-size: 1.8rem; color: var(--black); }
.req span { color: var(--muted); font-size: .94rem; }

.faq details { border-bottom: 1px solid var(--line); padding: 4px 0; }
.faq summary { cursor: pointer; list-style: none; padding: 20px 40px 20px 0; font-weight: 600; font-size: 1.08rem; color: var(--ink); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 4px; top: 14px; font-size: 1.6rem; color: var(--accent-ink); font-weight: 400; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--muted); padding-right: 40px; }

.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.feature { padding: 28px 24px; border-radius: 14px; background: var(--bg-alt); border-top: 3px solid var(--accent); }
.feature p { color: var(--muted); margin: 0; font-size: .96rem; }
.use-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.use-list li { background: #fff; padding: 18px 20px; border-radius: 12px; font-weight: 600; color: var(--ink); border-left: 3px solid var(--accent); box-shadow: 0 1px 2px rgba(0, 0, 0, .04); }

.values { display: grid; gap: 16px; }
.value { background: var(--bg-alt); padding: 24px 26px; border-radius: 14px; border-left: 3px solid var(--accent); }
.value p { margin: 0; color: var(--muted); }
.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-card { background: #fff; border-radius: 14px; padding: 28px; text-decoration: none; display: flex; flex-direction: column; gap: 6px; border: 1px solid var(--line); transition: box-shadow .2s; }
a.contact-card:hover { box-shadow: var(--shadow); }
.contact-card span { text-transform: uppercase; letter-spacing: .12em; font-size: .74rem; font-weight: 700; color: var(--accent-ink); }
.contact-card strong { color: var(--ink); font-size: 1.08rem; word-break: break-word; }
.contact-card small { color: var(--muted); }

.cta-band { background: var(--dark); color: #fff; padding: 64px 0; border-top: 4px solid var(--accent); }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { color: var(--on-dark-muted); margin: 0; }

.prose h1 { font-size: 2.4rem; }
.prose h2 { font-size: 1.4rem; margin-top: 1.6em; }
.note { background: var(--accent-soft); padding: 12px 16px; border-radius: 8px; font-size: .92rem; }
.error-list { color: var(--danger); }

/* ---------- Footer ---------- */
.site-footer { background: var(--dark); color: var(--on-dark-muted); padding: 72px 0 0; font-size: .94rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 48px; }
.site-footer .logo-footer { height: auto; width: 180px; }
.footer-tag { margin-top: 18px; max-width: 26em; }
.site-footer h4 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .14em; margin-bottom: 16px; }
.site-footer a { display: block; text-decoration: none; padding: 4px 0; color: #d5d6da; }
.site-footer a:hover { color: var(--accent-bright); }
.site-footer p { margin: 6px 0; }
.footer-legal { border-top: 1px solid var(--dark-line); padding-top: 22px; padding-bottom: 28px; font-size: .8rem; color: var(--on-dark-muted); opacity: .85; }

/* ---------- Apply ---------- */
.apply-hero { padding: 56px 0 120px; }
.apply-hero .lead { margin: 0; }
.apply-section { background: var(--bg-alt); padding: 0 0 96px; }
.apply-layout { display: grid; grid-template-columns: 1fr 320px; gap: 32px; align-items: start; margin-top: -84px; position: relative; }
.apply-form { background: #fff; border-radius: 18px; box-shadow: 0 24px 60px rgba(14, 14, 15, .12); padding: 36px 40px 32px; min-width: 0; }
.stepper { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; padding: 0; margin: 0 0 32px; counter-reset: st; }
.stepper li { display: flex; align-items: center; gap: 10px; font-size: .88rem; font-weight: 600; color: var(--muted); padding-bottom: 12px; border-bottom: 3px solid var(--line); }
.stepper span { display: inline-grid; place-items: center; width: 28px; height: 28px; flex: none; border-radius: 50%; background: var(--bg-alt); font-size: .82rem; }
.stepper .is-current { color: var(--ink); border-color: var(--accent); }
.stepper .is-current span { background: var(--dark); color: var(--accent-bright); }
.stepper .is-done { color: var(--ink); border-color: var(--ink); }
.stepper .is-done span { background: var(--accent); color: var(--on-accent); }
html:not(.js) .stepper, html:not(.js) #btn-next, html:not(.js) #btn-back { display: none; }

.step { border: 0; padding: 0; margin: 0; min-width: 0; }
.js .step { display: none; }
.js .step.is-active { display: block; animation: fade .25s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
html:not(.js) .step + .step { margin-top: 40px; }
.step > legend { font-family: var(--serif); font-size: 1.6rem; font-weight: 600; color: var(--ink); margin-bottom: 22px; padding: 0; }
.step-note { color: var(--muted); margin-top: -12px; }
.sub { border: 1px solid var(--line); border-radius: 12px; padding: 20px 22px 6px; margin: 8px 0 18px; background: #fcfbf8; }
.sub[hidden] { display: none; }
.sub > legend { font-weight: 700; font-size: .95rem; color: var(--ink); padding: 0 8px; }

.grid { display: grid; gap: 0 18px; }
.g2 { grid-template-columns: 1fr 1fr; }
.g3 { grid-template-columns: 1fr 1fr 1fr; }
.field { margin-bottom: 18px; min-width: 0; }
.field label { display: block; font-weight: 600; font-size: .9rem; color: var(--ink); margin-bottom: 6px; }
.opt { color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--text); background: #fff; border: 1.5px solid #d9d6ce; border-radius: 8px; padding: 12px 14px; transition: border-color .15s, box-shadow .15s; appearance: none; -webkit-appearance: none;
}
.field select { background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23646872' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") right 12px center / 18px no-repeat; padding-right: 38px; }
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 0; border-color: var(--ink); box-shadow: 0 0 0 3px rgba(var(--accent-rgb), .25); }
.money { position: relative; }
.money::before { content: '$'; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.money input { padding-left: 28px; }
.hint { display: block; color: var(--muted); font-size: .82rem; margin-top: 6px; }
.has-error input, .has-error select, .has-error textarea { border-color: var(--danger); }
.has-error .choice-body { border-color: var(--danger); }
.error-msg { display: block; color: var(--danger); font-size: .83rem; margin-top: 6px; font-weight: 500; }
.choice-grid .error-msg { grid-column: 1 / -1; margin: -6px 0 0; }

.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 24px; }
.choice { position: relative; cursor: pointer; }
.choice input { position: absolute; opacity: 0; inset: 0; }
.choice-body { display: flex; flex-direction: column; gap: 4px; height: 100%; border: 1.5px solid #d9d6ce; border-radius: 12px; padding: 18px 18px 18px 46px; transition: border-color .15s, background .15s; position: relative; }
.choice-body::before { content: ''; position: absolute; left: 16px; top: 20px; width: 18px; height: 18px; border: 2px solid #c3bfb4; border-radius: 50%; background: #fff; }
.choice-body strong { color: var(--ink); }
.choice-body small { color: var(--muted); font-size: .84rem; line-height: 1.4; }
.choice:hover .choice-body { border-color: var(--ink); }
.choice input:checked + .choice-body { border-color: var(--ink); background: var(--accent-soft); }
.choice input:checked + .choice-body::before { border-color: var(--black); background: radial-gradient(circle, var(--black) 0 4px, #fff 5px); }
.choice input:focus-visible + .choice-body { box-shadow: 0 0 0 3px rgba(var(--accent-rgb), .35); }

.check { display: flex; gap: 12px; align-items: flex-start; font-size: .95rem; cursor: pointer; margin: 6px 0 18px; flex-wrap: wrap; }
.check input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--black); flex: none; }
.check .error-msg { flex-basis: 100%; margin: 0 0 0 32px; }
.add-owner { font-weight: 600; color: var(--ink); padding: 14px 16px; border: 1.5px dashed #c9c5ba; border-radius: 10px; margin-top: 4px; }

.dropzone { position: relative; border: 2px dashed #c9c5ba; border-radius: 12px; background: #fcfbf8; text-align: center; padding: 28px 16px; transition: border-color .15s, background .15s; }
.dropzone.is-over, .dropzone:hover { border-color: var(--accent); background: var(--accent-soft); }
.dropzone input { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; }
.dz-inner { pointer-events: none; color: var(--muted); }
.dz-inner svg { color: var(--accent-ink); }
.dz-inner p { margin: 6px 0 2px; color: var(--ink); }
.file-list { list-style: none; padding: 0; margin: 10px 0 0; }
.file-list li { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 10px 14px; background: var(--bg-alt); border-radius: 8px; margin-bottom: 6px; font-size: .9rem; }
.file-list span { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.file-list button { background: none; border: 0; color: var(--danger); font-weight: 600; cursor: pointer; font: inherit; font-size: .85rem; }

.auth-box { background: var(--bg-alt); border-radius: 12px; padding: 18px 20px; margin: 22px 0 16px; max-height: 210px; overflow: auto; }
.auth-box h3 { font-size: .95rem; margin-bottom: 6px; }
.auth-box p { font-size: .85rem; color: var(--muted); margin: 0; }
.sig-input { font-family: var(--serif) !important; font-style: italic; font-size: 1.4rem !important; }

.form-alert { background: #fdf0ef; color: var(--danger); border: 1px solid #f3c7c3; border-radius: 10px; padding: 14px 16px; margin-bottom: 22px; font-size: .93rem; }
.form-alert ul { margin: 6px 0 0; padding-left: 20px; }
.form-nav { display: flex; justify-content: flex-end; gap: 12px; margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); }
.form-nav #btn-back { margin-right: auto; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.apply-aside { position: sticky; top: 100px; display: grid; gap: 16px; }
.aside-card { background: #fff; border-radius: 16px; padding: 26px; box-shadow: var(--shadow); }
.aside-card h3 { font-size: 1.05rem; }
.aside-card .checks { margin: 0; font-size: .93rem; }
.aside-dark { background: var(--dark); color: var(--on-dark-muted); }
.aside-dark h3 { color: #fff; }
.aside-phone { display: block; font-family: var(--serif); font-size: 1.6rem; color: var(--accent-bright); text-decoration: none; font-weight: 700; margin: 4px 0; }
.secure-note { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: .85rem; color: var(--muted); }

/* ---------- Thank you ---------- */
.thanks-icon { width: 80px; height: 80px; border-radius: 50%; background: var(--dark); color: var(--accent-bright); display: grid; place-items: center; margin: 0 auto 24px; }
.ref-line { font-size: 1.05rem; }
.ref-line strong { font-family: ui-monospace, monospace; background: var(--accent-soft); padding: 4px 10px; border-radius: 6px; }
.next-box { text-align: left; background: var(--bg-alt); border-radius: 16px; padding: 28px 32px; margin: 32px 0; }
.next-box h2 { font-size: 1.3rem; }
.next-box ol { padding-left: 20px; }
.next-box li { margin-bottom: 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .hero-grid, .page-hero-grid, .split { grid-template-columns: 1fr; gap: 40px; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .apply-layout { grid-template-columns: 1fr; }
  .apply-aside { position: static; grid-template-columns: 1fr 1fr; }
  .secure-note { grid-column: 1 / -1; }
}
@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .hero { padding: 64px 0 72px; }
  .page-hero { padding: 56px 0 64px; }
  .section { padding: 64px 0; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid > div:nth-child(2) { border-right: 0; }
  .trust-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .product-grid, .steps, .req-grid, .contact-grid, .feature-grid, .use-list { grid-template-columns: 1fr; }
  .product-card { padding: 28px 24px; }
  .compare-row { grid-template-columns: 1.2fr 1fr 1fr; padding: 14px 14px; font-size: .86rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .apply-form { padding: 24px 18px; border-radius: 14px; }
  .apply-aside { grid-template-columns: 1fr; }
  .g2, .g3, .choice-grid { grid-template-columns: 1fr; }
  .stepper li { flex-direction: column; gap: 4px; font-size: .74rem; text-align: center; }
  .form-nav .btn { flex: 1; }
  .hero-cta .btn { width: 100%; }
  .cta-inner .btn { width: 100%; }
  .term-card { padding: 4px 20px; }
}

/* ---------- Photos & new sections ---------- */
[id] { scroll-margin-top: 84px; }
.site-nav .nav-apply { margin-left: 8px; padding: 10px 20px; }
@media (max-width: 1120px) { .site-nav .nav-apply { margin-left: 0; padding: 15px; } }
.section-sub { color: var(--muted); font-size: 1.07rem; margin-top: -4px; }

.hero.has-photo, .page-hero.has-photo, .cta-band.has-photo {
  background:
    linear-gradient(100deg, rgba(var(--dark-rgb), .97) 0%, rgba(var(--dark-rgb), .9) 42%, rgba(var(--dark-rgb), .62) 100%),
    radial-gradient(900px 400px at 85% 0%, rgba(var(--accent-rgb), .25), transparent 60%),
    var(--hero-img) center / cover no-repeat, var(--dark);
}
.cta-band.has-photo { background:
    linear-gradient(90deg, rgba(var(--dark-rgb), .95) 0%, rgba(var(--dark-rgb), .82) 100%),
    var(--hero-img) center 30% / cover no-repeat, var(--dark); padding: 84px 0; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.split-photo { align-items: center; }
.photo-frame { position: relative; }
.photo-frame img { width: 100%; height: auto; display: block; border-radius: 18px; box-shadow: var(--shadow); aspect-ratio: 11 / 8.5; object-fit: cover; }
.photo-badge { position: absolute; right: -14px; bottom: -18px; background: var(--dark); color: #fff; border-radius: 14px; padding: 16px 20px; display: flex; align-items: center; gap: 14px; box-shadow: 0 12px 30px rgba(0,0,0,.25); border-left: 4px solid var(--accent); }
.photo-badge strong { font-family: var(--serif); font-size: 2.2rem; color: var(--accent-bright); line-height: 1; }
.photo-badge span { font-size: .85rem; line-height: 1.35; color: var(--on-dark); }

.product-card.has-img { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.product-img { width: 100%; height: 220px; object-fit: cover; display: block; }
.product-body { padding: 30px 34px 34px; display: flex; flex-direction: column; flex: 1; }
.product-body .checks { margin-bottom: 26px; }
.product-actions { display: flex; align-items: center; gap: 22px; margin-top: auto; flex-wrap: wrap; }

.industry-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.industry { margin: 0; position: relative; border-radius: 14px; overflow: hidden; aspect-ratio: 4 / 3; background: var(--dark); }
.industry img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s ease; }
.industry::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 40%, rgba(var(--dark-rgb), .88) 100%); }
.industry figcaption { position: absolute; left: 16px; right: 16px; bottom: 14px; z-index: 1; color: #fff; font-weight: 700; font-size: 1.02rem; }
.industry figcaption::before { content: ''; display: block; width: 26px; height: 3px; background: var(--accent-bright); margin-bottom: 8px; border-radius: 2px; }
.industry:hover img { transform: scale(1.06); }
.industry-note { margin-top: 26px; color: var(--muted); }
.industry-note a { color: var(--accent-ink); font-weight: 600; }

.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.review { margin: 0; background: #fff; border-radius: 16px; padding: 28px; box-shadow: var(--shadow); display: flex; flex-direction: column; gap: 14px; }
.stars { color: var(--accent); letter-spacing: 3px; font-size: 1.1rem; }
.review blockquote { margin: 0; color: var(--text); font-size: 1rem; line-height: 1.65; flex: 1; }
.review figcaption { display: flex; flex-direction: column; font-size: .92rem; }
.review figcaption span { color: var(--muted); }
.review-empty { max-width: 620px; margin: 0 auto; text-align: center; background: #fff; border-radius: 18px; padding: 36px 32px; box-shadow: var(--shadow); }
.review-empty p { color: var(--muted); font-size: 1.05rem; }

.contact-layout { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 14px; }
.contact-list li { display: grid; grid-template-columns: 72px 1fr; gap: 12px; align-items: baseline; color: var(--ink); font-weight: 500; }
.contact-list span { text-transform: uppercase; letter-spacing: .12em; font-size: .72rem; font-weight: 700; color: var(--accent-ink); }
.contact-list a { color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--line); }
.contact-form { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px; box-shadow: var(--shadow); }
.contact-submit { width: 100%; }
.contact-ok { margin: 14px 0 0; background: var(--accent-soft); color: var(--accent-ink); font-weight: 600; padding: 14px 16px; border-radius: 10px; }

@media (max-width: 1000px) {
  .industry-grid { grid-template-columns: repeat(3, 1fr); }
  .contact-layout { grid-template-columns: 1fr; gap: 32px; }
  .photo-badge { right: 12px; }
}
@media (max-width: 720px) {
  .industry-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .industry figcaption { font-size: .9rem; left: 12px; bottom: 10px; }
  .product-img { height: 180px; }
  .product-body { padding: 24px 22px 26px; }
  .contact-form { padding: 22px 18px; }
  .cta-actions .btn { width: 100%; }
  .photo-badge { position: static; margin-top: 12px; }
}

/* ---------- Funding options (3 cards) ---------- */
.hero-solo { grid-template-columns: minmax(0, 760px); }
.hero.has-photo { padding: 120px 0 128px; }
.option-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
.option-card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 34px 30px 30px; display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s; }
.option-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.option-card h3 { color: var(--accent-ink); font-size: 1.35rem; margin-bottom: 6px; }
.option-sub { color: var(--muted); font-size: .95rem; margin-bottom: 18px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.option-card .checks { margin-bottom: 26px; flex: 1; }
.option-card .btn { width: 100%; }
@media (max-width: 1000px) {
  .option-grid { grid-template-columns: 1fr; max-width: 520px; margin: 0 auto; gap: 30px; }
  }
@media (max-width: 720px) {
  .hero.has-photo { padding: 72px 0 80px; }
}

/* ---------- Gliding testimonials ---------- */
.marquee { overflow: hidden; padding: 8px 0 20px; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; gap: 22px; width: max-content; animation: marquee var(--marquee-duration, 40s) linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee .review { width: 360px; flex: none; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(calc(-50% - 11px)); } }
.review figcaption { flex-direction: row; align-items: center; gap: 12px; }
.review figcaption > span:last-child { display: flex; flex-direction: column; }
.review figcaption small { color: var(--muted); font-size: .88rem; }
.review .avatar, .avatar { width: 42px; height: 42px; flex: none; border-radius: 50%; background: var(--dark); color: var(--accent-bright); display: grid; place-items: center; font-weight: 700; font-size: .9rem; letter-spacing: .02em; }
@media (prefers-reduced-motion: reduce) {
  .marquee { overflow-x: auto; -webkit-mask-image: none; mask-image: none; }
  .marquee-track { animation: none; }
  .marquee .review[aria-hidden="true"] { display: none; }
}
@media (max-width: 720px) { .marquee .review { width: 290px; } }
.review figcaption strong { color: var(--ink); }

/* ---------- Help & Support dropdown ---------- */
.nav-drop { position: relative; }
.nav-drop-btn { background: none; border: 0; font: inherit; font-weight: 500; font-size: .95rem; color: var(--slate); cursor: pointer; padding: 6px 0; display: inline-flex; align-items: center; gap: 4px; white-space: nowrap; }
.nav-drop-btn svg { transition: transform .2s; }
.nav-drop-btn:hover, .nav-drop.is-open .nav-drop-btn { color: var(--black); }
.nav-drop.is-open .nav-drop-btn svg { transform: rotate(180deg); }
.nav-drop-menu { position: absolute; top: calc(100% + 14px); left: 50%; transform: translate(-50%, 6px); min-width: 250px; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 18px 40px rgba(16, 17, 20, .14); padding: 8px; display: flex; flex-direction: column; opacity: 0; pointer-events: none; transition: opacity .15s, transform .15s; z-index: 60; }
.nav-drop-menu::before { content: ''; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.nav-drop.is-open .nav-drop-menu { opacity: 1; transform: translate(-50%, 0); pointer-events: auto; }
@media (hover: hover) and (min-width: 1121px) {
  .nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu { opacity: 1; transform: translate(-50%, 0); pointer-events: auto; }
  .nav-drop:hover .nav-drop-btn svg { transform: rotate(180deg); }
}
.site-nav .nav-drop-menu a { padding: 10px 14px; border-radius: 8px; box-shadow: none; }
.site-nav .nav-drop-menu a:hover, .site-nav .nav-drop-menu a.is-active { background: var(--accent-soft); color: var(--accent-ink); box-shadow: none; }
@media (max-width: 1120px) {
  .nav-drop { border-bottom: 1px solid var(--line); }
  .nav-drop-btn { width: 100%; justify-content: space-between; padding: 14px 0; font-size: 1rem; }
  .nav-drop-menu { position: static; transform: none; min-width: 0; border: 0; box-shadow: none; padding: 0 0 10px 12px; display: none; opacity: 1; pointer-events: auto; }
  .nav-drop.is-open .nav-drop-menu { display: flex; transform: none; }
  .nav-drop-menu::before { display: none; }
  .site-nav .nav-drop-menu a { border-bottom: 0; padding: 10px 12px; }
}

/* ---------- Legal pages ---------- */
.legal-hero { padding: 64px 0 60px; }
.legal-hero h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
.legal .prose h2 { font-size: 1.35rem; margin: 2.2em 0 .6em; padding-top: 1.2em; border-top: 1px solid var(--line); }
.legal .prose h3 { font-size: 1.05rem; margin: 1.6em 0 .4em; }
.legal .prose p, .legal .prose li { color: var(--text); line-height: 1.7; }
.legal .prose ul { padding-left: 22px; margin: 0 0 1.2em; }
.legal .prose li { margin-bottom: 6px; }
.legal .prose a { color: var(--accent-ink); font-weight: 500; }
.legal-meta { color: var(--muted); font-size: .95rem; padding-bottom: 6px; }
.legal-callout { background: var(--accent-soft); border-left: 4px solid var(--accent); border-radius: 10px; padding: 18px 22px; margin: 18px 0 8px; }
.legal-callout h2 { border: 0 !important; padding: 0 !important; margin: 0 0 .4em !important; font-size: 1.1rem !important; }
.legal-callout p { margin: 0; }

/* ---------- SMS opt-in checkbox ---------- */
.check-sms { font-size: .82rem; color: var(--muted); line-height: 1.5; background: var(--bg-alt); border-radius: 10px; padding: 12px 14px; flex-wrap: nowrap; }
.check-sms a { color: var(--accent-ink); }
.check-sms strong { color: var(--ink); }
.nav-drop-btn.is-active { color: var(--black); box-shadow: inset 0 -2px 0 var(--accent); }
@media (max-width: 1120px) { .nav-drop-btn.is-active { box-shadow: none; } }

/* ---------- Application (OCG-style 4 steps) ---------- */
.app-page { background: #fff; padding: 40px 0 72px; border-top: 1px solid var(--line); }
.app-wrap { max-width: 1000px; }
.app-top { margin-bottom: 26px; }
.app-progress { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.app-progress span { height: 4px; border-radius: 4px; background: var(--line); transition: background .3s; }
.app-progress span.is-on { background: var(--accent); }
.app-step-label { margin: 10px 0 0; font-size: .88rem; color: var(--muted); }
.app-form .step > legend { font-family: var(--font); font-size: 1.65rem; font-weight: 700; letter-spacing: -.01em; margin-bottom: 20px; }
.app-form .step-note { margin-top: -8px; margin-bottom: 18px; }
.app-form .form-nav { justify-content: space-between; }
.app-form .form-nav #btn-back { margin-right: 0; }
.app-form .form-nav #btn-next, .app-form .form-nav #btn-submit { margin-left: auto; min-width: 170px; }
#btn-back[disabled] { opacity: .4; cursor: default; transform: none; }
.app-form .add-owner { margin-top: 8px; }
.app-form .sub { margin-top: 14px; }
.app-help { text-align: center; color: var(--muted); font-size: .92rem; margin-top: 28px; }
.app-help a { color: var(--accent-ink); font-weight: 600; }

.review-doc { border: 1px solid var(--line); border-radius: 14px; padding: 26px 28px; background: #fff; box-shadow: var(--shadow); margin-bottom: 24px; }
.review-doc-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; padding-bottom: 14px; border-bottom: 2px solid var(--dark); margin-bottom: 18px; }
.review-doc-head img { height: 40px; width: auto; }
.review-doc-head div { text-align: right; display: flex; flex-direction: column; }
.review-doc-head span { font-weight: 700; color: var(--ink); }
.review-doc-head small { color: var(--muted); }
.review-sec { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: 14px; }
.review-sec h4 { margin: 0; background: var(--dark); color: #fff; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; padding: 9px 14px; }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px 14px; padding: 14px; }
.review-cell span { display: block; font-size: .66rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: 3px; }
.review-cell div { border: 1px solid var(--line); border-radius: 6px; padding: 6px 9px; font-size: .9rem; color: var(--ink); min-height: 32px; word-break: break-word; }
.review-auth { padding: 12px 14px; margin: 0; font-size: .74rem; line-height: 1.55; color: var(--text); text-align: justify; }

.sign-box { display: flex; align-items: center; justify-content: space-between; gap: 16px; border: 1.5px solid var(--line); border-radius: 12px; padding: 16px 18px; flex-wrap: wrap; transition: border-color .2s, background .2s; }
.sign-box > div { display: flex; flex-direction: column; }
.sign-label { font-size: .8rem; color: var(--muted); }
.sign-name { font-family: 'Dancing Script', 'Brush Script MT', cursive; font-size: 2rem; color: var(--ink); line-height: 1.2; }
.sign-box.is-signed { border-color: var(--accent); background: var(--accent-soft); }
.sign-box.is-signed #btn-sign { background: var(--accent-soft); color: var(--accent-ink); border: 1.5px solid var(--accent); }
.sign-box.has-error { border-color: var(--danger); }
.sign-box .error-msg { flex-basis: 100%; margin: 0; }
.sign-note { font-size: .84rem; color: var(--muted); margin: 10px 0 18px; }
.consents { display: grid; gap: 4px; }
.consents .check { margin: 4px 0; font-size: .9rem; flex-wrap: nowrap; }
.consents .check a { color: var(--accent-ink); }
.consents .check.has-error { flex-wrap: wrap; }

@media (max-width: 720px) {
  .app-page { padding: 24px 0 48px; }
  .review-doc { padding: 16px; }
  .review-grid { grid-template-columns: 1fr 1fr; }
  .review-doc-head img { height: 30px; }
  .sign-box #btn-sign { width: 100%; }
  .app-form .form-nav #btn-next, .app-form .form-nav #btn-submit { min-width: 0; flex: 1; }
}

/* ---------- Address suggestions dropdown ---------- */
.addr-field { position: relative; }
.addr-list { position: absolute; left: 0; right: 0; top: calc(100% + 4px); z-index: 30; list-style: none; margin: 0; padding: 6px; background: #fff; border: 1px solid var(--line); border-radius: 10px; box-shadow: 0 16px 36px rgba(16, 17, 20, .16); }
.addr-item { display: flex; flex-direction: column; gap: 1px; padding: 9px 12px; border-radius: 7px; cursor: pointer; }
.addr-item strong { font-weight: 600; color: var(--ink); font-size: .95rem; }
.addr-item span { color: var(--muted); font-size: .84rem; }
.addr-item.is-active, .addr-item:hover { background: var(--accent-soft); }
.addr-credit { padding: 6px 12px 2px; font-size: .7rem; color: var(--muted); text-align: right; border-top: 1px solid var(--line); margin-top: 4px; }