*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
section[id], div[id].hero { scroll-margin-top: 76px; }

:root {
  --black: #111111;
  --dark: #1a1a1a;
  --mid: #444444;
  --light: #888888;
  --rule: #e0e0e0;
  --bg: #f5f5f3;
  --white: #ffffff;
  --green: #006747;
  --green-light: #008a5e;
  --green-pale: #e8f2ee;
  --accent: #003d2b;
}

body {
  font-family: 'Barlow', sans-serif;
  background: var(--white);
  color: var(--black);
  line-height: 1.5;
  overflow-x: hidden;
}

::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: var(--white); }
::-webkit-scrollbar-thumb { background: var(--green); }

/* NAV */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: 64px;
  background: var(--white);
  border-bottom: 1px solid var(--rule);
  display: flex; align-items: center;
  padding: 0 40px;
}

.nav-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; flex-shrink: 0;
}
.nav-logo-mark {
  width: 32px; height: 32px;
  background: var(--green);
  display: flex; align-items: center; justify-content: center;
}
.nav-logo-name {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.1rem; font-weight: 600; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--black);
}
.nav-div { width: 1px; height: 20px; background: var(--rule); margin: 0 16px; }
.nav-sub { font-size: 0.72rem; color: var(--light); letter-spacing: 0.05em; }

.nav-links {
  display: flex; align-items: center; margin-left: auto;
  list-style: none;
}
.nav-links li > a {
  display: block; padding: 0 18px; height: 64px; line-height: 64px;
  font-size: 0.78rem; font-weight: 500; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--mid);
  text-decoration: none; border-left: 1px solid var(--rule);
  white-space: nowrap; transition: color 0.2s, background 0.2s;
}
.nav-links li > a:hover { color: var(--green); background: var(--green-pale); }
.nav-cta > a { background: var(--green) !important; color: var(--white) !important; border-left: none !important; }

.nav-burger {
  display: none; margin-left: auto; background: none; border: none; cursor: pointer;
  padding: 8px; flex-direction: column; justify-content: center; gap: 5px; width: 40px; height: 40px;
}
.nav-burger span { width: 22px; height: 2px; background: var(--black); display: block; transition: transform 0.25s, opacity 0.25s; }
.nav-burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-cta > a:hover { background: var(--green-light) !important; }

/* HERO */
.hero {
  margin-top: 64px;
  display: grid; grid-template-columns: 1fr 1fr;
  min-height: calc(100vh - 64px);
}

.hero-left {
  background: var(--black);
  padding: 80px 60px;
  display: flex; flex-direction: column; justify-content: space-between;
  position: relative; overflow: hidden;
}

.hero-tag {
  font-size: 0.7rem; letter-spacing: 0.25em; text-transform: uppercase;
  color: var(--green-light); font-weight: 500;
  display: flex; align-items: center; gap: 10px;
}
.hero-tag::before { content: ''; width: 24px; height: 1px; background: var(--green-light); }

.hero-h1 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(3.5rem, 7vw, 7rem);
  font-weight: 700; line-height: 0.9;
  text-transform: uppercase; color: var(--white);
  letter-spacing: -0.01em; margin-top: 40px;
}
.hero-h1 .outline {
  -webkit-text-stroke: 1.5px rgba(255,255,255,0.35);
  color: transparent;
}

.hero-desc {
  margin-top: 32px; max-width: 380px;
  font-size: 1rem; color: rgba(255,255,255,0.55);
  line-height: 1.7; font-weight: 300;
}

.hero-ctas { display: flex; gap: 12px; margin-top: 40px; flex-wrap: wrap; }
.lang-badges { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 20px; }
.lang-badge { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--green-light); background: rgba(74,183,100,0.12); border: 1px solid rgba(74,183,100,0.25); padding: 5px 12px; }

.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; text-decoration: none;
  padding: 14px 28px; border: none; cursor: pointer;
  transition: all 0.25s; font-family: 'Barlow', sans-serif;
}
.btn-green { background: var(--green); color: var(--white); }
.btn-green:hover { background: var(--green-light); }
.btn-ghost { background: transparent; color: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.2); }
.btn-ghost:hover { border-color: rgba(255,255,255,0.5); color: var(--white); }
.btn-dark { background: var(--black); color: var(--white); }
.btn-dark:hover { background: #222; }
.btn-outline { background: transparent; color: var(--black); border: 1px solid var(--black); }
.btn-outline:hover { background: var(--black); color: var(--white); }
.btn-white { background: var(--white); color: var(--green); }
.btn-white:hover { background: rgba(255,255,255,0.9); }
.btn-ghost-white { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.4); }
.btn-ghost-white:hover { border-color: var(--white); }

/* APPLY CTA EMPHASIS */
.btn-apply { padding: 17px 32px; font-size: 0.8rem; box-shadow: 0 0 0 0 rgba(0,138,94,0.55); animation: applyPulse 2.6s ease-in-out infinite; }
.btn-apply:hover { animation-play-state: paused; }
@keyframes applyPulse {
  0%   { box-shadow: 0 0 0 0 rgba(0,138,94,0.5); }
  65%  { box-shadow: 0 0 0 16px rgba(0,138,94,0); }
  100% { box-shadow: 0 0 0 0 rgba(0,138,94,0); }
}
.hero-apply-note { margin-top: 16px; font-size: 0.74rem; color: rgba(255,255,255,0.45); letter-spacing: 0.02em; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.hero-apply-note span { display: flex; align-items: center; gap: 6px; }
.hero-apply-note svg { flex-shrink: 0; color: var(--green-light); }
.hero-apply-note .dot { width: 3px; height: 3px; border-radius: 50%; background: rgba(255,255,255,0.25); }

.apply-callout { border: 1px solid var(--rule); background: var(--green-pale); padding: 32px; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.apply-callout-copy p { font-size: 0.95rem; color: var(--mid); line-height: 1.75; font-weight: 300; }
.apply-callout-copy .stag { font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--green); font-weight: 600; margin-bottom: 10px; display: block; }

.sticky-apply { position: fixed; right: 24px; bottom: 24px; z-index: 500; transform: translateY(16px); opacity: 0; pointer-events: none; transition: transform 0.3s ease, opacity 0.3s ease; }
.sticky-apply.show { transform: translateY(0); opacity: 1; pointer-events: auto; }
.sticky-apply .btn { box-shadow: 0 10px 28px rgba(0,0,0,0.28); }
@media (max-width: 640px) {
  .sticky-apply { right: 16px; bottom: 16px; }
  .sticky-apply .btn span.sa-label { display: none; }
  .sticky-apply .btn { padding: 16px; border-radius: 50%; }
}

.hero-stats {
  display: flex; border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 40px; margin-top: 60px;
}
.hero-stat { flex: 1; padding-right: 24px; border-right: 1px solid rgba(255,255,255,0.1); }
.hero-stat:last-child { border-right: none; padding-left: 24px; padding-right: 0; }
.hero-stat:first-child { padding-left: 0; }
.stat-n {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 2.8rem; font-weight: 600; color: var(--white); line-height: 1;
}
.stat-n em { color: var(--green-light); font-style: normal; }
.stat-l { font-size: 0.7rem; color: rgba(255,255,255,0.4); letter-spacing: 0.1em; text-transform: uppercase; margin-top: 6px; }

.hero-right { position: relative; overflow: hidden; background: var(--bg); }
.hero-skyline {
  width: 100%; height: 100%; position: absolute; inset: 0;
  background: linear-gradient(180deg, #b8d4ce 0%, #7aa8a2 45%, #3d7068 100%);
}
.hero-skyline::after {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='800' height='600' viewBox='0 0 800 600'%3E%3Crect x='50' y='220' width='48' height='380' fill='rgba(0,0,0,0.22)'/%3E%3Crect x='108' y='160' width='36' height='440' fill='rgba(0,0,0,0.28)'/%3E%3Crect x='155' y='250' width='58' height='350' fill='rgba(0,0,0,0.18)'/%3E%3Crect x='225' y='120' width='42' height='480' fill='rgba(0,0,0,0.32)'/%3E%3Crect x='225' y='100' width='42' height='28' fill='rgba(0,0,0,0.22)'/%3E%3Crect x='277' y='200' width='52' height='400' fill='rgba(0,0,0,0.2)'/%3E%3Crect x='340' y='270' width='44' height='330' fill='rgba(0,0,0,0.16)'/%3E%3Crect x='396' y='150' width='32' height='450' fill='rgba(0,0,0,0.3)'/%3E%3Crect x='438' y='210' width='62' height='390' fill='rgba(0,0,0,0.18)'/%3E%3Crect x='512' y='180' width='38' height='420' fill='rgba(0,0,0,0.26)'/%3E%3Crect x='560' y='240' width='48' height='360' fill='rgba(0,0,0,0.16)'/%3E%3Crect x='620' y='190' width='34' height='410' fill='rgba(0,0,0,0.24)'/%3E%3Crect x='665' y='260' width='56' height='340' fill='rgba(0,0,0,0.18)'/%3E%3Crect x='730' y='200' width='44' height='400' fill='rgba(0,0,0,0.22)'/%3E%3Crect x='0' y='550' width='800' height='50' fill='rgba(0,50,30,0.45)'/%3E%3C/svg%3E") center bottom/cover no-repeat;
}
.hero-card {
  position: absolute; bottom: 40px; left: 40px;
  background: var(--white); padding: 24px 28px; min-width: 220px;
}
.hc-label { font-size: 0.63rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--light); margin-bottom: 4px; }
.hc-val { font-family: 'Barlow Condensed', sans-serif; font-size: 1.4rem; font-weight: 600; color: var(--black); }
.hc-sub { font-size: 0.75rem; color: var(--mid); margin-top: 2px; }
.hc-rule { height: 1px; background: var(--rule); margin: 14px 0; }

/* TICKER */
.ticker {
  background: var(--green); height: 44px; overflow: hidden;
  display: flex; align-items: center;
}
.ticker-inner {
  display: flex; gap: 80px; align-items: center;
  white-space: nowrap;
  animation: tickerMove 30s linear infinite;
}
@keyframes tickerMove { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.ticker-item {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 0.85rem; font-weight: 500; letter-spacing: 0.15em;
  text-transform: uppercase; color: rgba(255,255,255,0.75);
  flex-shrink: 0; display: flex; align-items: center; gap: 20px;
}
.tdot { width: 4px; height: 4px; border-radius: 50%; background: rgba(255,255,255,0.35); }

/* SECTIONS */
.section { padding: 80px 40px; }
.sw { background: var(--white); }
.sb { background: var(--bg); }
.sd { background: var(--black); }
.container { max-width: 1360px; margin: 0 auto; }

.sh {
  display: flex; align-items: baseline; justify-content: space-between;
  border-bottom: 1px solid var(--rule); padding-bottom: 16px; margin-bottom: 48px;
}
.sh h2 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.04em;
}
.sh-tag { font-size: 0.68rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--green); font-weight: 600; }
.sh-tag-light { color: var(--green-light); }

/* ABOUT COLS */
.about-grid { display: grid; grid-template-columns: 1fr 1px 1fr 1px 1fr; }
.about-col { padding: 0 48px; }
.about-col:first-child { padding-left: 0; }
.about-col:last-child { padding-right: 0; }
.about-div { background: var(--rule); }
.ac-num {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 3.5rem; font-weight: 700; color: var(--green); line-height: 1; margin-bottom: 12px;
}
.about-col h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1rem; font-weight: 600; text-transform: uppercase;
  letter-spacing: 0.08em; margin-bottom: 12px;
}
.about-col p { font-size: 0.88rem; color: var(--mid); line-height: 1.7; font-weight: 300; }

/* SPLIT */
.split { display: grid; grid-template-columns: 1fr 1fr; }
.split-dk { background: var(--black); padding: 80px 60px; display: flex; flex-direction: column; justify-content: center; }
.split-dk .tag { font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--green-light); font-weight: 600; margin-bottom: 20px; }
.split-dk h2 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(2rem, 3.5vw, 3.2rem); font-weight: 700;
  text-transform: uppercase; color: var(--white); line-height: 0.95; margin-bottom: 24px;
}
.split-dk p { font-size: 0.95rem; color: rgba(255,255,255,0.5); line-height: 1.75; font-weight: 300; max-width: 400px; }
.split-lt { background: var(--bg); padding: 80px 60px; display: flex; flex-direction: column; justify-content: center; }
.split-lt .tag { font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--green); font-weight: 600; margin-bottom: 20px; }
.split-lt h2 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(2rem, 3.5vw, 3.2rem); font-weight: 700;
  text-transform: uppercase; color: var(--black); line-height: 0.95; margin-bottom: 24px;
}
.split-lt p { font-size: 0.95rem; color: var(--mid); line-height: 1.75; font-weight: 300; max-width: 420px; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 32px; }
.pill { padding: 6px 14px; border: 1px solid var(--rule); font-size: 0.72rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--mid); }
.pill-green { background: var(--green-pale); border-color: transparent; color: var(--green); font-weight: 600; }

/* LOANS TABLE */
.loans-table { width: 100%; border-collapse: collapse; }
.loans-table tr { border-bottom: 1px solid var(--rule); cursor: pointer; transition: background 0.2s; }
.loans-table tr:hover { background: var(--green-pale); }
.loans-table td { padding: 22px 0; vertical-align: middle; }
.lt-num { width: 56px; font-family: 'Barlow Condensed', sans-serif; font-size: 0.78rem; font-weight: 600; color: var(--light); letter-spacing: 0.1em; }
.lt-name { font-family: 'Barlow Condensed', sans-serif; font-size: 1.1rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; }
.lt-name a { color: inherit; text-decoration: none; }
.lt-desc { font-size: 0.82rem; color: var(--light); font-weight: 300; padding-left: 24px; }
.lt-tag { text-align: right; padding-right: 16px; }
.tag-pill { display: inline-block; padding: 4px 12px; font-size: 0.63rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; background: var(--green-pale); color: var(--green); }
.lt-arr { width: 36px; text-align: right; color: var(--light); font-size: 1rem; transition: transform 0.2s, color 0.2s; }
.loans-table tr:hover .lt-arr { transform: translateX(4px); color: var(--green); }

/* PROCESS */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.ps {
  padding: 48px 40px;
  border-right: 1px solid var(--rule);
}
.ps:last-child { border-right: none; }
.ps-num { font-family: 'Barlow Condensed', sans-serif; font-size: 4rem; font-weight: 700; color: var(--rule); line-height: 1; margin-bottom: 20px; }
.ps-line { width: 32px; height: 2px; background: var(--green); margin-bottom: 20px; }
.ps h4 { font-family: 'Barlow Condensed', sans-serif; font-size: 1rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 10px; }
.ps p { font-size: 0.85rem; color: var(--mid); line-height: 1.7; font-weight: 300; }

/* STORIES */
.stories-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.sc {
  padding: 40px; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
  transition: background 0.25s; cursor: pointer;
}
.sc:hover { background: var(--green-pale); }
.sc:nth-child(3n) { border-right: none; }
.sc-amt { font-family: 'Barlow Condensed', sans-serif; font-size: 2.2rem; font-weight: 700; line-height: 1; margin-bottom: 6px; }
.sc-type { font-size: 0.67rem; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: var(--green); margin-bottom: 16px; }
.sc p { font-size: 0.85rem; color: var(--mid); line-height: 1.7; font-weight: 300; }
.sc-foot { margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--rule); font-size: 0.72rem; color: var(--light); letter-spacing: 0.06em; display: flex; align-items: center; }
.sc-arr { margin-left: auto; color: var(--green); }

/* TEAM */
.team-grid { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--rule); }
.tc { padding: 48px; border-right: 1px solid var(--rule); display: grid; grid-template-columns: 88px 1fr; gap: 28px; }
.tc:last-child { border-right: none; }
.tc-av { width: 88px; height: 88px; background: var(--black); display: flex; align-items: center; justify-content: center; font-family: 'Barlow Condensed', sans-serif; font-size: 1.8rem; font-weight: 600; color: var(--white); flex-shrink: 0; }
.tc-body h3 { font-family: 'Barlow Condensed', sans-serif; font-size: 1.2rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 2px; }
.tc-title { font-size: 0.7rem; color: var(--green); letter-spacing: 0.15em; text-transform: uppercase; font-weight: 600; margin-bottom: 14px; }
.tc-body p { font-size: 0.85rem; color: var(--mid); line-height: 1.7; font-weight: 300; }
.tc-quote { margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--rule); font-size: 0.88rem; font-style: italic; color: var(--black); line-height: 1.55; }

/* REVIEWS */
.rev-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.rv { padding: 40px; border-right: 1px solid rgba(255,255,255,0.08); }
.rv:last-child { border-right: none; }
.rv-stars { color: var(--green-light); font-size: 0.8rem; letter-spacing: 3px; margin-bottom: 16px; }
.rv-text { font-size: 0.9rem; color: rgba(255,255,255,0.6); line-height: 1.75; font-weight: 300; font-style: italic; margin-bottom: 20px; }
.rv-meta strong { display: block; font-size: 0.82rem; color: rgba(255,255,255,0.8); font-weight: 500; }
.rv-meta span { font-size: 0.72rem; color: rgba(255,255,255,0.3); }

/* CTA BAND */
.cta-band { background: var(--green); padding: 64px 40px; display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta-band h2 { font-family: 'Barlow Condensed', sans-serif; font-size: clamp(2rem, 4vw, 3.5rem); font-weight: 700; text-transform: uppercase; color: var(--white); line-height: 0.95; }
.cta-band p { font-size: 0.95rem; color: rgba(255,255,255,0.7); margin-top: 10px; font-weight: 300; max-width: 400px; }
.cta-acts { display: flex; gap: 12px; flex-shrink: 0; }

/* FAQ */
.faq-grid { display: grid; grid-template-columns: 300px 1fr; gap: 0; }
.faq-side { padding: 0 60px 0 0; border-right: 1px solid var(--rule); }
.faq-side h2 { font-family: 'Barlow Condensed', sans-serif; font-size: clamp(2rem, 3vw, 2.8rem); font-weight: 700; text-transform: uppercase; line-height: 0.95; }
.faq-side .stag { font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--green); font-weight: 600; margin-bottom: 16px; display: block; }
.faq-side p { font-size: 0.88rem; color: var(--mid); margin-top: 16px; line-height: 1.7; font-weight: 300; }
.faq-body { padding-left: 60px; }
.faq-item { border-bottom: 1px solid var(--rule); }
.faq-q { width: 100%; background: none; border: none; cursor: pointer; text-align: left; padding: 20px 0; font-family: 'Barlow', sans-serif; font-size: 0.9rem; font-weight: 500; color: var(--black); display: flex; justify-content: space-between; align-items: center; gap: 16px; transition: color 0.2s; }
.faq-q:hover { color: var(--green); }
.faq-icon { font-size: 1.1rem; flex-shrink: 0; color: var(--light); transition: transform 0.3s, color 0.2s; }
.faq-q:hover .faq-icon { color: var(--green); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; font-size: 0.87rem; color: var(--mid); line-height: 1.75; font-weight: 300; }
.faq-ai { padding-bottom: 20px; }
.faq-item.open .faq-a { max-height: 200px; }
.faq-item.open .faq-icon { transform: rotate(45deg); }

/* CONTACT */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; }
.ci { padding: 80px 60px 80px 0; border-right: 1px solid var(--rule); }
.ci h2 { font-family: 'Barlow Condensed', sans-serif; font-size: clamp(2rem, 3.5vw, 3rem); font-weight: 700; text-transform: uppercase; line-height: 0.95; margin-bottom: 24px; }
.ci > p { font-size: 0.92rem; color: var(--mid); line-height: 1.75; font-weight: 300; }
.ci .stag { font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--green); font-weight: 600; margin-bottom: 16px; display: block; }
.cds { margin-top: 40px; }
.cd-row { display: grid; grid-template-columns: 90px 1fr; padding: 18px 0; border-top: 1px solid var(--rule); gap: 16px; align-items: baseline; }
.cd-lbl { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; color: var(--light); }
.cd-val { font-size: 0.9rem; }
.cd-val a { color: var(--black); text-decoration: none; }
.cd-val a:hover { color: var(--green); }
.cf { padding: 80px 0 80px 60px; }
.cf h3 { font-family: 'Barlow Condensed', sans-serif; font-size: 1.4rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 32px; padding-bottom: 16px; border-bottom: 1px solid var(--rule); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
label { display: block; font-size: 0.67rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; color: var(--light); margin-bottom: 6px; }
input, textarea, select { width: 100%; padding: 12px 0; background: transparent; border: none; border-bottom: 1px solid var(--rule); font-family: 'Barlow', sans-serif; font-size: 0.9rem; color: var(--black); outline: none; transition: border-color 0.2s; border-radius: 0; -webkit-appearance: none; }
input:focus, textarea:focus, select:focus { border-bottom-color: var(--green); }
textarea { resize: none; height: 100px; }
.form-error { display: none; margin-top: 16px; padding: 14px 18px; background: #fdf1ef; border: 1px solid #eac6bf; color: #8a2f21; font-size: 0.85rem; line-height: 1.65; }
.form-error a { color: inherit; font-weight: 600; }

/* APPLY MODAL */
.modal-overlay { position: fixed; inset: 0; z-index: 9998; background: rgba(0,0,0,0.6); backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px); display: none; align-items: center; justify-content: center; padding: 20px; }
.modal-overlay.open { display: flex; }
.modal-box { background: var(--white); max-width: 600px; width: 100%; max-height: 90vh; overflow-y: auto; padding: 48px; position: relative; transform: translateY(20px); opacity: 0; transition: transform 0.3s ease, opacity 0.3s ease; }
.modal-overlay.open .modal-box { transform: translateY(0); opacity: 1; }
.modal-close { position: absolute; top: 16px; right: 20px; background: none; border: none; cursor: pointer; font-size: 1.3rem; color: var(--light); line-height: 1; padding: 4px; }
.modal-close:hover { color: var(--black); }
.modal-progress-bar { height: 4px; background: var(--rule); width: 100%; }
.modal-progress-fill { height: 100%; background: var(--green); width: 25%; transition: width 0.3s ease; }
.modal-step-label { font-size: 0.68rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--light); margin-top: 12px; font-weight: 600; }
.modal-step-title { font-family: 'Barlow Condensed', sans-serif; font-size: 1.6rem; font-weight: 700; text-transform: uppercase; margin: 24px 0 24px; }
.apply-step { display: none; }
.apply-step.active { display: block; }
.modal-actions { display: flex; gap: 12px; margin-top: 32px; }
.modal-actions .btn { flex: 1; justify-content: center; }
@media (max-width: 640px) {
  .modal-box { padding: 32px 24px; max-height: 85vh; }
  .modal-step-title { font-size: 1.35rem; }
}

/* FOOTER */
footer { background: var(--black); padding: 0 40px; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; padding: 60px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.fc { padding: 0 40px; border-right: 1px solid rgba(255,255,255,0.08); }
.fc:first-child { padding-left: 0; }
.fc:last-child { border-right: none; }
.f-brand { font-family: 'Barlow Condensed', sans-serif; font-size: 1.5rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--white); margin-bottom: 14px; display: flex; align-items: center; gap: 10px; }
.f-mark { width: 28px; height: 28px; background: var(--green); display: flex; align-items: center; justify-content: center; }
.fc > p { font-size: 0.82rem; color: rgba(255,255,255,0.3); line-height: 1.7; font-weight: 300; }
.fc h5 { font-size: 0.67rem; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 18px; }
.fc ul { list-style: none; }
.fc li { margin-bottom: 10px; }
.fc a { font-size: 0.85rem; color: rgba(255,255,255,0.45); text-decoration: none; transition: color 0.2s; }
.fc a:hover { color: var(--white); }
.footer-bot { padding: 24px 0; display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; }
.fb-copy { font-size: 0.72rem; color: rgba(255,255,255,0.2); }
.fb-disc { font-size: 0.67rem; color: rgba(255,255,255,0.18); max-width: 560px; line-height: 1.6; }
.nmls-tag { font-size: 0.68rem; color: rgba(255,255,255,0.2); border: 1px solid rgba(255,255,255,0.1); padding: 6px 12px; letter-spacing: 0.1em; margin-top: 16px; display: inline-block; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .hero { grid-template-columns: 1fr; min-height: auto; }
  .hero-left { padding: 60px 40px; min-height: auto; }
  .hero-h1 { font-size: clamp(3rem, 12vw, 5rem); }
  .hero-right { height: 56vw; min-height: 260px; }
  .hero-stats { margin-top: 40px; padding-top: 28px; }
  .stat-n { font-size: 2rem; }
  .about-grid { grid-template-columns: 1fr; }
  .about-div { display: none; }
  .about-col { padding: 0; border-bottom: 1px solid var(--rule); padding-bottom: 32px; margin-bottom: 32px; }
  .split { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr 1fr; }
  .stories-grid { grid-template-columns: 1fr 1fr; }
  .sc:nth-child(3n) { border-right: 1px solid var(--rule); }
  .sc:nth-child(2n) { border-right: none; }
  .team-grid { grid-template-columns: 1fr !important; }
  .team-grid .tc { border-right: none !important; }
  .tc { border-right: none; border-bottom: 1px solid var(--rule); }
  .rev-grid { grid-template-columns: 1fr; }
  .rv { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-side { padding: 0 0 40px 0; border-right: none; border-bottom: 1px solid var(--rule); margin-bottom: 40px; }
  .faq-body { padding-left: 0; }
  .contact-grid { grid-template-columns: 1fr; }
  .ci { padding: 60px 0; border-right: none; border-bottom: 1px solid var(--rule); }
  .cf { padding: 60px 0 0; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 40px; }
  .fc { border-right: none; padding: 0; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .nav-burger { display: flex; }
  .nav-links {
    display: none; position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
    flex-direction: column; align-items: stretch; margin-left: 0;
    background: var(--white); overflow-y: auto; z-index: 999;
  }
  .nav-links.open { display: flex; }
  .nav-links li > a {
    height: auto; line-height: 1.4; padding: 20px 24px; border-left: none;
    border-bottom: 1px solid var(--rule); font-size: 0.9rem;
  }
  .nav-cta { margin-top: 8px; }
  .nav-cta > a { border-bottom: none !important; }
}

/* PAGE HERO (inner/landing pages) */
.page-hero { background: var(--black); padding: 152px 40px 72px; }
.page-hero .container { max-width: 1220px; margin: 0 auto; }
.ph-crumb { font-size: 0.68rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 22px; }
.ph-crumb a { color: rgba(255,255,255,0.6); text-decoration: none; }
.ph-crumb a:hover { color: var(--green-light); }
.ph-crumb span { margin: 0 8px; color: rgba(255,255,255,0.25); }
.page-hero h1 { font-family: 'Barlow Condensed', sans-serif; font-size: clamp(2.6rem, 6vw, 4.6rem); font-weight: 700; line-height: 0.95; text-transform: uppercase; color: var(--white); margin-top: 18px; max-width: 15ch; }
.page-hero .ph-desc { margin-top: 24px; max-width: 540px; font-size: 1rem; color: rgba(255,255,255,0.6); line-height: 1.7; font-weight: 300; }
.page-hero .hero-ctas { margin-top: 32px; }
.page-hero .hero-apply-note { margin-top: 28px; }
@media (max-width: 640px) {
  .page-hero { padding: 120px 24px 56px; }
}

/* CALCULATOR */
.calc-grid { margin-top: 48px; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: start; }
.calc-inputs { display: flex; flex-direction: column; gap: 16px; }
.calc-result { background: var(--black); color: var(--white); padding: 40px; position: sticky; top: 88px; }
.cr-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; color: rgba(255,255,255,0.45); }
.cr-val { font-family: 'Barlow Condensed', sans-serif; font-size: 2rem; font-weight: 700; margin-top: 4px; }
.cr-divider { height: 1px; background: rgba(255,255,255,0.12); margin: 24px 0; }
.cr-dscr { font-family: 'Barlow Condensed', sans-serif; font-size: 3.2rem; font-weight: 700; margin-top: 6px; line-height: 1; }
.cr-tier { margin-top: 14px; font-size: 0.85rem; line-height: 1.6; color: rgba(255,255,255,0.75); padding: 14px 16px; background: rgba(255,255,255,0.06); border-left: 3px solid rgba(255,255,255,0.25); }
.cr-tier.tier-strong { border-left-color: var(--green-light); }
.cr-tier.tier-ok { border-left-color: #c9a227; }
.cr-tier.tier-low { border-left-color: #c0392b; }

@media (max-width: 640px) {
  nav { padding: 0 20px; }
  .nav-div, .nav-sub { display: none; }
  .hero-left { padding: 40px 24px; }
  .hero-h1 { font-size: clamp(2.8rem, 14vw, 4rem); margin-top: 24px; }
  .hero-desc { font-size: 0.92rem; margin-top: 20px; max-width: 100%; }
  .hero-ctas { margin-top: 28px; }
  .hero-stats { flex-wrap: wrap; gap: 0; margin-top: 32px; padding-top: 24px; }
  .hero-stat { flex: 0 0 50%; border-right: none; padding: 12px 0 12px 0; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .hero-stat:nth-child(2) { padding-left: 20px; }
  .hero-stat:last-child { flex: 0 0 100%; padding-left: 0; border-bottom: none; padding-top: 16px; }
  .hero-right { height: 64vw; }
  .hero-card { left: 20px; bottom: 20px; padding: 18px 20px; min-width: 0; width: calc(100% - 40px); }
  .section { padding: 60px 24px; }
  .loans-table, .loans-table tbody, .loans-table tr, .loans-table td { display: block; width: 100%; }
  .loans-table tr { padding: 18px 0; }
  .loans-table td { padding: 0; }
  .lt-num { display: inline-block; margin-bottom: 4px; }
  .lt-name { display: block; font-size: 1rem; margin-bottom: 6px; }
  .lt-desc { padding-left: 0; margin-bottom: 10px; }
  .lt-tag { display: inline-block; text-align: left; padding-right: 0; margin-right: 10px; }
  .lt-arr { display: inline-block; width: auto; text-align: left; }
  .process-grid { grid-template-columns: 1fr; }
  .stories-grid { grid-template-columns: 1fr; }
  .sc { border-right: none; }
  .form-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  footer { padding: 0 24px; }
  .split-dk, .split-lt { padding: 60px 24px; }
  .cta-band { padding: 48px 24px; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-result { position: static; }
}