/* ============================================================
   UTM Capital - Co-Branded Investor Financing Portal
   Raider Lending Solutions × United Trust Mortgage
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  scrollbar-gutter: stable;
  overflow-x: hidden;
}
body { overflow-x: hidden; }

/* ── TOKENS ─────────────────────────────────────────────── */
:root {
  /* Dark foundations - warm charcoal, not near-black */
  --ink:        #1f1813;
  --ink-soft:   #2a221b;
  --ink-rule:   #3a3127;

  /* Warm cream foundations */
  --paper:      #f6f2ea;
  --paper-2:    #ede6d8;
  --rule:       #ddd4c2;

  /* Text */
  --text:       #1a1a1a;
  --text-2:     #4a4540;
  --muted:      #6b655d;
  --text-light:    #f0ebe3;
  --text-light-2:  #b8b2a6;
  --muted-light:   #807a70;

  /* Accent (restrained warm amber / copper) */
  --accent:     #b87535;
  --accent-2:   #d48a45;
  --accent-soft: rgba(184, 117, 53, 0.12);

  --container: 1200px;
  --container-narrow: 880px;
}

/* ── BASE ───────────────────────────────────────────────── */
body {
  font-family: "Inter Tight", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--paper);
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "ss01", "cv11";
}
a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }

.mono {
  font-family: "JetBrains Mono", ui-monospace, monospace;
}

/* ── CONTAINER ─────────────────────────────────────────── */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}
.container-narrow {
  max-width: var(--container-narrow);
  margin: 0 auto;
  padding: 0 28px;
}

/* ── TOP BAR ────────────────────────────────────────────── */
.topbar {
  background: var(--ink);
  color: var(--text-light-2);
  font-family: "JetBrains Mono", monospace;
  font-size: 11.5px;
  letter-spacing: 0.06em;
  padding: 10px 0;
  border-bottom: 1px solid var(--ink-rule);
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.topbar .right { display: flex; align-items: center; gap: 20px; }
.topbar a { color: var(--accent-2); transition: color .15s; }
.topbar a:hover { color: var(--text-light); }

/* ── HEADER ────────────────────────────────────────────── */
.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 90;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding-top: 20px;
  padding-bottom: 20px;
}

/* Co-brand lockup (header) */
.cobrand {
  display: flex;
  align-items: center;
  gap: 22px;
  min-width: 0;
}
.cobrand .divider {
  width: 1px;
  height: 44px;
  background: var(--rule);
  flex-shrink: 0;
}

/* Logo slots - dashed placeholders, replaceable */
.logo-slot {
  display: flex;
  flex-direction: column;
  line-height: 1;
  flex-shrink: 0;
  min-width: 0;
}
.logo-slot img,
.logo-slot svg {
  width: auto;
  display: block;
  object-fit: contain;
}
/* Header logo slot - consistent height, padding, no border */
.logo-slot.has-image {
  padding: 0;
  display: flex;
  align-items: center;
  transition: opacity .15s;
}
.logo-slot.has-image:hover { opacity: 0.78; }

/* Per-logo sizing (header) - tuned so both marks read at equal visual weight */
.site-header .logo-slot.has-image img[alt*="Raider"]        { height: 88px;  max-width: 220px; }
.site-header .logo-slot.has-image img[alt*="United Trust"]  { height: 102px; max-width: 260px; }

/* Per-logo sizing (footer) */
.foot-brand .logo-slot.has-image img[alt*="Raider"]         { height: 68px;  max-width: 180px; }
.foot-brand .logo-slot.has-image img[alt*="United Trust"]   { height: 80px;  max-width: 220px; }

/* Footer brand - typographic mark (no logos on dark bg) */
.foot-mark {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.foot-mark .foot-mark-main {
  font-family: "Inter Tight", sans-serif;
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  color: var(--text-light);
}
.foot-mark .foot-mark-sub {
  margin-top: 10px;
  font-family: "JetBrains Mono", monospace;
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-light);
  line-height: 1.5;
}
.foot-mark .foot-mark-sub em {
  font-style: normal;
  color: var(--accent-2);
  padding: 0 4px;
}

/* Cobrand lockup spacing + divider - match tallest logo */
.site-header .cobrand { gap: 32px; }
.site-header .cobrand .divider { height: 88px; }
.site-header .container { padding-top: 14px; padding-bottom: 14px; }
.foot-brand .cobrand .divider { height: 68px; }
/* Placeholder (when no image): dashed box */
.logo-slot.placeholder {
  border: 1.5px dashed var(--muted);
  padding: 8px 14px;
  background: rgba(255, 255, 255, 0.4);
  min-width: 140px;
}
.logo-slot .placeholder-name {
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.01em;
  color: var(--text);
  line-height: 1.1;
}
.logo-slot .placeholder-sub {
  font-family: "JetBrains Mono", monospace;
  font-size: 9px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 4px;
}

/* Nav */
.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
  align-items: center;
}
.nav-links a {
  color: var(--text-2);
  font-size: 17px;
  font-weight: 500;
  letter-spacing: -0.01em;
  transition: color .15s;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active { color: var(--accent); }

.nav-cta {
  background: var(--ink);
  color: var(--text-light) !important;
  padding: 12px 22px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: 1px solid var(--ink);
  border-radius: 2px;
  transition: background .15s, border-color .15s;
}
.nav-cta:hover { background: var(--accent) !important; border-color: var(--accent); color: var(--text-light) !important; }

/* Dropdown (Tools menu) */
.nav-links .has-dropdown { position: relative; }
.nav-links .has-dropdown .tools-toggle { cursor: pointer; }
.nav-links .dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 200px;
  background: var(--paper);
  border: 1px solid var(--rule);
  padding: 8px 0;
  margin: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  opacity: 0;
  visibility: hidden;
  transform: translateY(4px);
  transition: opacity .15s, visibility .15s, transform .15s;
  box-shadow: 0 8px 24px rgba(13,13,13,0.1);
  z-index: 50;
  border-radius: 2px;
}
.nav-links .has-dropdown:hover .dropdown,
.nav-links .has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-links .dropdown li { margin: 0; }
.nav-links .dropdown a {
  display: block;
  padding: 10px 18px;
  font-size: 14px;
  color: var(--text-2);
  transition: background .1s, color .1s;
}
.nav-links .dropdown a:hover { background: var(--paper-2); color: var(--accent); }

/* Mobile toggle */
.hamburger {
  display: none;
  background: none;
  border: 1px solid var(--rule);
  width: 42px; height: 42px;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  border-radius: 2px;
}
.hamburger span {
  display: block; width: 20px; height: 1.5px; background: var(--text);
}

/* ── BUTTONS ───────────────────────────────────────────── */
.cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  padding: 18px 30px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: 1.5px solid var(--ink);
  background: var(--ink);
  color: var(--text-light);
  transition: background .18s, color .18s, border-color .18s, transform .1s;
  border-radius: 2px;
  text-align: center;
  white-space: nowrap;
}
.btn:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--text-light);
}
.btn.outline {
  background: transparent;
  color: var(--ink);
}
.btn.outline:hover {
  background: var(--ink);
  color: var(--text-light);
  border-color: var(--ink);
}
.btn .arrow {
  width: 18px; height: 1.5px; background: currentColor; position: relative; display: inline-block;
}
.btn .arrow::after {
  content: ""; position: absolute; right: 0; top: -3px;
  width: 7px; height: 7px;
  border-top: 1.5px solid currentColor;
  border-right: 1.5px solid currentColor;
  transform: rotate(45deg);
}

/* Light button on dark background — hero, apply-band, page-hero, .dark sections */
.dark .btn,
.hero .btn,
.page-hero .btn,
.apply-band .btn {
  background: var(--accent);
  color: var(--text-light);
  border-color: var(--accent);
}
.dark .btn:hover,
.hero .btn:hover,
.page-hero .btn:hover,
.apply-band .btn:hover {
  background: var(--paper);
  border-color: var(--paper);
  color: var(--ink);
}
.dark .btn.outline,
.hero .btn.outline,
.page-hero .btn.outline,
.apply-band .btn.outline {
  background: transparent;
  color: var(--text-light);
  border-color: var(--text-light);
}
.dark .btn.outline:hover,
.hero .btn.outline:hover,
.page-hero .btn.outline:hover,
.apply-band .btn.outline:hover {
  background: var(--text-light);
  color: var(--ink);
  border-color: var(--text-light);
}

/* ── HERO (dark) ───────────────────────────────────────── */
.hero {
  background: var(--ink);
  color: var(--text-light);
  padding: 120px 0 100px;
  border-bottom: 1px solid var(--ink-rule);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: -40%;
  right: -15%;
  width: 80vmin;
  height: 80vmin;
  background: radial-gradient(circle, var(--accent-soft), transparent 65%);
  pointer-events: none;
}
.hero .container { position: relative; }
.hero .eyebrow {
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.18em;
  color: var(--accent-2);
  text-transform: uppercase;
  margin-bottom: 32px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero .eyebrow::before {
  content: "";
  width: 28px; height: 1px;
  background: var(--accent-2);
}
.hero h1 {
  font-weight: 700;
  font-size: clamp(44px, 6.5vw, 88px);
  letter-spacing: -0.025em;
  line-height: 1.02;
  max-width: 18ch;
  margin-bottom: 28px;
}
.hero h1 .accent { color: var(--accent-2); }
.hero .lede {
  font-size: clamp(17px, 1.4vw, 20px);
  color: var(--text-light-2);
  max-width: 64ch;
  margin-bottom: 44px;
  line-height: 1.55;
}
.hero .lede b { color: var(--text-light); font-weight: 600; }

.hero-meta {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  margin-top: 80px;
  padding-top: 36px;
  border-top: 1px solid var(--ink-rule);
}
.hero-meta .cell {
  padding: 0 28px;
  border-right: 1px solid var(--ink-rule);
}
.hero-meta .cell:first-child { padding-left: 0; }
.hero-meta .cell:last-child { border-right: 0; padding-right: 0; }
.hero-meta .k {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted-light);
  display: block;
  margin-bottom: 10px;
}
.hero-meta .v {
  font-size: 17px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--text-light);
  line-height: 1.3;
}

/* ── SECTIONS ──────────────────────────────────────────── */
section.band {
  padding: 100px 0;
  border-bottom: 1px solid var(--rule);
}
section.band.alt { background: var(--paper-2); }
section.band.dark {
  background: var(--ink);
  color: var(--text-light);
  border-bottom: 1px solid var(--ink-rule);
}

.section-head {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
.section-head .idx {
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  padding-top: 14px;
  border-top: 2px solid var(--ink);
  height: fit-content;
  width: fit-content;
}
.dark .section-head .idx {
  color: var(--muted-light);
  border-top-color: var(--accent-2);
}
.section-head h2 {
  font-weight: 700;
  font-size: clamp(32px, 4.4vw, 54px);
  letter-spacing: -0.022em;
  line-height: 1.05;
  max-width: 22ch;
  color: var(--text);
}
.dark .section-head h2 { color: var(--text-light); }
.section-head h2 .accent { color: var(--accent); }
.dark .section-head h2 .accent { color: var(--accent-2); }
.section-head .sub {
  color: var(--text-2);
  font-size: 17px;
  max-width: 60ch;
  margin-top: 18px;
  line-height: 1.6;
}
.dark .section-head .sub { color: var(--text-light-2); }

/* ── FINANCING SOLUTIONS (4-col ruled) ────────────────── */
.solutions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--rule);
}
.solution {
  padding: 36px 28px 40px 28px;
  border-right: 1px solid var(--rule);
}
.solution:first-child { padding-left: 0; }
.solution:last-child { padding-right: 0; border-right: 0; }
.solution .n {
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  color: var(--accent);
  letter-spacing: 0.12em;
  margin-bottom: 48px;
  display: flex; align-items: center;
}
.solution .n::after {
  content: ""; flex: 1; height: 1px; background: var(--rule); margin-left: 14px;
}
.solution h3 {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.15;
  margin-bottom: 14px;
  color: var(--text);
  max-width: 16ch;
}
.solution p {
  color: var(--text-2);
  font-size: 14.5px;
  line-height: 1.65;
  max-width: 30ch;
}

/* ── WHO LIST (rows) ───────────────────────────────────── */
.who-list {
  border-top: 2px solid var(--ink);
}
.dark .who-list { border-top-color: var(--accent-2); }
.who-row {
  display: grid;
  grid-template-columns: 72px 1fr 2fr 160px;
  gap: 28px;
  padding: 28px 0;
  border-bottom: 1px solid var(--rule);
  align-items: start;
  transition: background .15s, padding-left .15s;
}
.dark .who-row { border-bottom-color: var(--ink-rule); }
.who-row:hover { background: var(--paper); padding-left: 16px; }
.dark .who-row:hover { background: var(--ink-soft); }
.who-row .n {
  font-family: "JetBrains Mono", monospace;
  font-size: 12px;
  color: var(--muted);
  padding-top: 4px;
}
.dark .who-row .n { color: var(--muted-light); }
.who-row h4 {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.15;
  color: var(--text);
}
.dark .who-row h4 { color: var(--text-light); }
.who-row p {
  font-size: 15.5px;
  color: var(--text-2);
  line-height: 1.55;
}
.dark .who-row p { color: var(--text-light-2); }
.who-row .tag {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  color: var(--accent);
  text-transform: uppercase;
  text-align: right;
  padding-top: 8px;
}
.dark .who-row .tag { color: var(--accent-2); }

/* ── PROCESS STEPS (horizontal flow) ───────────────────── */
.process {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--rule);
  gap: 0;
}
.proc-step {
  padding: 36px 28px 40px 28px;
  border-right: 1px solid var(--rule);
  position: relative;
}
.proc-step:first-child { padding-left: 0; }
.proc-step:last-child { padding-right: 0; border-right: 0; }
.proc-step .n {
  font-family: "JetBrains Mono", monospace;
  font-weight: 500;
  font-size: 11px;
  letter-spacing: 0.14em;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 44px;
}
.proc-step h3 {
  font-size: 21px;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.15;
  margin-bottom: 12px;
  color: var(--text);
}
.dark .proc-step h3 { color: var(--text-light); }
.proc-step p {
  color: var(--text-2);
  font-size: 14.5px;
  line-height: 1.6;
  max-width: 28ch;
}
.dark .proc-step p { color: var(--text-light-2); }

/* ── PARTNERSHIP (2-col) ───────────────────────────────── */
.partners {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-top: 1px solid var(--rule);
}
.dark .partners { border-top-color: var(--ink-rule); }
.partner {
  padding: 52px 44px 52px 44px;
  display: flex;
  flex-direction: column;
}
.partner:first-child {
  border-right: 1px solid var(--rule);
  padding-left: 0;
  padding-right: 44px;
}
.dark .partner:first-child { border-right-color: var(--ink-rule); }
.partner:last-child { padding-left: 44px; padding-right: 0; }
.partner .role {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 26px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.dark .partner .role { color: var(--muted-light); }
.partner .role .dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--accent);
}
.partner h3 {
  font-weight: 700;
  font-size: 32px;
  letter-spacing: -0.02em;
  margin-bottom: 18px;
  line-height: 1.1;
  color: var(--text);
}
.dark .partner h3 { color: var(--text-light); }
.partner p {
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.65;
  margin-bottom: 14px;
  max-width: 48ch;
}
.dark .partner p { color: var(--text-light-2); }
.partner .licensed {
  margin-top: auto;
  padding-top: 22px;
  border-top: 1px solid var(--rule);
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.08em;
  color: var(--muted);
  text-transform: uppercase;
  line-height: 1.7;
}
.partner p:last-of-type { margin-bottom: 28px; }
.dark .partner .licensed { border-top-color: var(--ink-rule); color: var(--muted-light); }

/* ── CTA BAND ──────────────────────────────────────────── */
.apply-band {
  background: var(--ink);
  color: var(--text-light);
  padding: 120px 0;
  border-bottom: 1px solid var(--ink-rule);
  position: relative;
  overflow: hidden;
}
.apply-band::before {
  content: "";
  position: absolute;
  bottom: -30%; left: -10%;
  width: 65vmin; height: 65vmin;
  background: radial-gradient(circle, var(--accent-soft), transparent 65%);
  pointer-events: none;
}
.apply-band .container { position: relative; }
.apply-band h2 {
  font-weight: 700;
  font-size: clamp(40px, 5.6vw, 72px);
  letter-spacing: -0.025em;
  line-height: 1.05;
  margin-bottom: 26px;
  max-width: 16ch;
  color: var(--text-light);
}
.apply-band h2 .accent { color: var(--accent-2); }
.apply-band .lede {
  font-size: 18px;
  color: var(--text-light-2);
  max-width: 58ch;
  margin-bottom: 40px;
  line-height: 1.55;
}
/* (apply-band .btn styles handled in the dark-context block above) */

/* ── PAGE HERO (content pages) ─────────────────────────── */
.page-hero {
  background: var(--ink);
  color: var(--text-light);
  padding: 96px 0 72px;
  border-bottom: 1px solid var(--ink-rule);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  top: -30%; right: -10%;
  width: 60vmin; height: 60vmin;
  background: radial-gradient(circle, var(--accent-soft), transparent 65%);
  pointer-events: none;
}
.page-hero .container { position: relative; }
.page-hero .eyebrow {
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.18em;
  color: var(--accent-2);
  text-transform: uppercase;
  margin-bottom: 22px;
  display: flex; align-items: center; gap: 12px;
}
.page-hero .eyebrow::before {
  content: ""; width: 28px; height: 1px; background: var(--accent-2);
}
.page-hero h1 {
  font-weight: 700;
  font-size: clamp(40px, 5.6vw, 72px);
  letter-spacing: -0.025em;
  line-height: 1.05;
  margin-bottom: 20px;
  max-width: 18ch;
}
.page-hero h1 .accent { color: var(--accent-2); }
.page-hero .lede {
  font-size: 18px;
  color: var(--text-light-2);
  max-width: 62ch;
  line-height: 1.55;
}

/* ── ABOUT SPLIT ───────────────────────────────────────── */
.about-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  margin: 52px 0;
}
.about-card { padding: 48px 40px 48px 0; }
.about-card:first-child { border-right: 1px solid var(--rule); padding-right: 40px; }
.about-card:last-child { padding-left: 40px; padding-right: 0; }
.about-card .tag {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.16em;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 20px;
  display: block;
}
.about-card h3 {
  font-weight: 700;
  font-size: 28px;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 16px;
  color: var(--text);
}
.about-card p {
  font-size: 15.5px;
  color: var(--text-2);
  line-height: 1.65;
  margin-bottom: 12px;
  max-width: 44ch;
}

/* ── PROSE (legal pages) ──────────────────────────────── */
.prose {
  max-width: 72ch;
  padding: 72px 0 96px;
}
.prose .updated {
  display: block;
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--muted);
  text-transform: uppercase;
  margin-bottom: 48px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--rule);
}
.prose h2 {
  font-weight: 700;
  font-size: 24px;
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin-top: 52px;
  margin-bottom: 16px;
  color: var(--text);
}
.prose h2:first-of-type { margin-top: 0; }
.prose h3 {
  font-weight: 600;
  font-size: 18px;
  letter-spacing: -0.01em;
  line-height: 1.2;
  margin-top: 28px;
  margin-bottom: 10px;
  color: var(--text);
}
.prose p {
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.75;
  margin-bottom: 14px;
}
.prose strong { color: var(--text); font-weight: 600; }
.prose ul { margin: 0 0 18px 0; list-style: none; }
.prose ul li {
  position: relative;
  font-size: 16px;
  color: var(--text-2);
  line-height: 1.7;
  margin-bottom: 10px;
  padding-left: 22px;
}
.prose ul li::before {
  content: "-";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-family: "JetBrains Mono", monospace;
}
.prose a {
  color: var(--text);
  border-bottom: 1.5px solid var(--accent);
  padding-bottom: 1px;
}
.prose a:hover { color: var(--accent); }

/* ── FOOTER ────────────────────────────────────────────── */
.site-footer {
  background: var(--ink);
  color: var(--text-light-2);
  padding: 80px 0 36px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.3fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--ink-rule);
}
.foot-brand .cobrand .divider { background: var(--ink-rule); }
.foot-brand .logo-slot.placeholder {
  border-color: var(--muted-light);
  background: rgba(255,255,255,0.04);
}
.foot-brand .logo-slot .placeholder-name { color: var(--text-light); }
.foot-brand .logo-slot .placeholder-sub { color: var(--muted-light); }
.foot-brand p {
  margin-top: 18px;
  font-size: 13.5px;
  color: var(--text-light-2);
  line-height: 1.65;
  max-width: 42ch;
}
.foot-grid h5 {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 18px;
  font-weight: 500;
}
.foot-grid ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.foot-grid a {
  font-size: 14px;
  color: var(--text-light-2);
  transition: color .15s;
}
.foot-grid a:hover { color: var(--accent-2); }
.foot-grid .contact p {
  font-size: 14px;
  color: var(--text-light-2);
  line-height: 1.75;
  margin-bottom: 10px;
}

.compliance {
  padding: 32px 0;
  font-size: 11.5px;
  line-height: 1.75;
  color: var(--muted-light);
  max-width: 96ch;
}
.compliance p { margin-bottom: 10px; }
.compliance .nmls {
  font-family: "JetBrains Mono", monospace;
  color: var(--accent-2);
  letter-spacing: 0.06em;
}

.foot-bottom {
  padding-top: 22px;
  border-top: 1px solid var(--ink-rule);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted-light);
}

/* ── MOBILE DRAWER ─────────────────────────────────────── */
.drawer-overlay {
  display: none;
  position: fixed; inset: 0;
  background: rgba(13,13,13,0.55);
  z-index: 99;
}
.drawer-overlay.open { display: block; }
.mobile-drawer {
  position: fixed;
  top: 0; right: 0;
  width: 340px; max-width: 88vw;
  height: 100%;
  background: var(--paper);
  z-index: 100;
  transform: translateX(100%);
  transition: transform .28s ease;
  display: flex; flex-direction: column;
  box-shadow: -8px 0 32px rgba(13,13,13,0.2);
  border-left: 1px solid var(--rule);
}
.mobile-drawer.open { transform: translateX(0); }
.drawer-head {
  padding: 20px 24px;
  border-bottom: 1px solid var(--rule);
  display: flex; justify-content: space-between; align-items: center;
}
.drawer-head .d-mark {
  font-weight: 700;
  font-size: 15px;
  letter-spacing: -0.01em;
  color: var(--text);
}
.drawer-head .d-mark em { font-style: normal; color: var(--accent); }
.d-close {
  width: 32px; height: 32px;
  background: none;
  border: 1px solid var(--rule);
  border-radius: 2px;
  font-size: 14px;
  color: var(--text);
}
.drawer-body { flex: 1; overflow-y: auto; padding: 10px 0; }
.drawer-body .d-section {
  font-family: "JetBrains Mono", monospace;
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 18px 24px 8px;
}
.drawer-body a {
  display: block;
  padding: 11px 24px;
  color: var(--text);
  font-size: 15px;
  font-weight: 500;
  transition: color .15s, background .15s;
}
.drawer-body a:hover { color: var(--accent); background: var(--paper-2); }
.drawer-foot {
  padding: 18px 24px 24px;
  border-top: 1px solid var(--rule);
  display: flex; flex-direction: column; gap: 10px;
}
.drawer-foot .btn { justify-content: center; padding: 14px 20px; font-size: 13px; }
.drawer-foot .phone {
  text-align: center;
  font-family: "JetBrains Mono", monospace;
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--muted);
  margin-top: 6px;
}
.drawer-foot .phone a { color: var(--text); border-bottom: 1px solid var(--accent); padding-bottom: 1px; }

/* ── MOTION ────────────────────────────────────────────── */

/* Hero - staged entrance on page load */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(18px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes glowPulse {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.7; }
}

.hero .eyebrow,
.hero h1,
.hero .lede,
.hero .cta-row,
.hero .hero-meta,
.page-hero .eyebrow,
.page-hero h1,
.page-hero .lede,
.page-hero-simple .eyebrow,
.page-hero-simple h1,
.page-hero-simple .lede {
  opacity: 0;
  animation: fadeUp 0.85s cubic-bezier(.2, .7, .2, 1) forwards;
}
.hero .eyebrow,       .page-hero .eyebrow,       .page-hero-simple .eyebrow { animation-delay: 0.10s; }
.hero h1,             .page-hero h1,             .page-hero-simple h1      { animation-delay: 0.22s; }
.hero .lede,          .page-hero .lede,          .page-hero-simple .lede   { animation-delay: 0.38s; }
.hero .cta-row        { animation-delay: 0.54s; }
.hero .hero-meta      { animation-delay: 0.70s; }

/* Hero ambient glow slowly pulses */
.hero::before,
.apply-band::before,
.page-hero::before {
  animation: glowPulse 7s ease-in-out infinite;
}

/* Scroll reveals - sections fade children up as they enter viewport */
.reveal > * {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.75s cubic-bezier(.2, .7, .2, 1),
              transform 0.75s cubic-bezier(.2, .7, .2, 1);
}
.reveal.is-visible > * {
  opacity: 1;
  transform: translateY(0);
}

/* Staggered reveal for grid/list children */
.stagger .solution,
.stagger .proc-step,
.stagger .who-row,
.stagger .about-card,
.stagger .partner {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s cubic-bezier(.2, .7, .2, 1),
              transform 0.7s cubic-bezier(.2, .7, .2, 1);
}
.stagger.is-visible .solution,
.stagger.is-visible .proc-step,
.stagger.is-visible .who-row,
.stagger.is-visible .about-card,
.stagger.is-visible .partner {
  opacity: 1;
  transform: translateY(0);
}
.stagger.is-visible > *:nth-child(1),
.stagger.is-visible .solution:nth-child(1),
.stagger.is-visible .proc-step:nth-child(1),
.stagger.is-visible .who-row:nth-child(1),
.stagger.is-visible .partner:nth-child(1) { transition-delay: 0.05s; }
.stagger.is-visible .solution:nth-child(2),
.stagger.is-visible .proc-step:nth-child(2),
.stagger.is-visible .who-row:nth-child(2),
.stagger.is-visible .partner:nth-child(2) { transition-delay: 0.16s; }
.stagger.is-visible .solution:nth-child(3),
.stagger.is-visible .proc-step:nth-child(3),
.stagger.is-visible .who-row:nth-child(3) { transition-delay: 0.27s; }
.stagger.is-visible .solution:nth-child(4),
.stagger.is-visible .proc-step:nth-child(4),
.stagger.is-visible .who-row:nth-child(4) { transition-delay: 0.38s; }
.stagger.is-visible .who-row:nth-child(5) { transition-delay: 0.49s; }

/* Buttons - subtle arrow travel on hover */
.btn:hover .arrow { transform: translateX(4px); transition: transform .18s; }
.btn .arrow { transition: transform .18s; }

/* Who-row - underline accent on active hover (already has bg shift) */

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .hero .eyebrow, .hero h1, .hero .lede, .hero .cta-row, .hero .hero-meta,
  .page-hero .eyebrow, .page-hero h1, .page-hero .lede,
  .page-hero-simple .eyebrow, .page-hero-simple h1, .page-hero-simple .lede,
  .reveal > *, .stagger .solution, .stagger .proc-step, .stagger .who-row,
  .stagger .about-card, .stagger .partner {
    opacity: 1 !important;
    transform: none !important;
  }
}

/* ── RESPONSIVE ────────────────────────────────────────── */
@media (max-width: 980px) {
  .nav-links { display: none; }
  .hamburger { display: inline-flex; }
  .cobrand { gap: 14px; }
  .cobrand .divider { height: 36px; }
  .logo-slot.placeholder { min-width: 110px; padding: 6px 10px; }
  .logo-slot .placeholder-name { font-size: 12px; }
  .logo-slot .placeholder-sub { font-size: 8.5px; }

  .hero { padding: 80px 0 72px; }
  .hero-meta { grid-template-columns: 1fr 1fr; gap: 16px 0; margin-top: 56px; }
  .hero-meta .cell:nth-child(2) { border-right: 0; }
  .hero-meta .cell { padding: 16px 20px 16px 0; }
  .hero-meta .cell:nth-child(n+3) { border-top: 1px solid var(--ink-rule); }

  section.band { padding: 72px 0; }
  .section-head { grid-template-columns: 1fr; gap: 16px; margin-bottom: 40px; }

  .solutions { grid-template-columns: 1fr 1fr; }
  .solution { padding: 28px 20px 32px 0; }
  .solution:nth-child(2) { border-right: 0; }
  .solution .n { margin-bottom: 32px; }

  .who-row { grid-template-columns: 44px 1fr; gap: 16px; }
  .who-row p, .who-row .tag { grid-column: 2; }
  .who-row .tag { text-align: left; padding-top: 4px; }

  .process { grid-template-columns: 1fr 1fr; }
  .proc-step { padding: 28px 20px 32px 0; }
  .proc-step:nth-child(2) { border-right: 0; }
  .proc-step .n { margin-bottom: 28px; }

  .partners { grid-template-columns: 1fr; }
  .partner, .partner:first-child, .partner:last-child {
    padding: 40px 0;
    border-right: 0;
  }
  .partner:first-child { border-bottom: 1px solid var(--rule); }
  .dark .partner:first-child { border-bottom-color: var(--ink-rule); }

  .apply-band { padding: 80px 0; }

  .about-split { grid-template-columns: 1fr; margin: 36px 0; }
  .about-card, .about-card:first-child, .about-card:last-child {
    padding: 36px 0;
    border-right: 0;
  }
  .about-card:first-child { border-bottom: 1px solid var(--rule); }

  .foot-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .prose { padding: 48px 0 72px; }
}
@media (max-width: 560px) {
  .topbar { font-size: 10.5px; }
  .topbar .container { justify-content: center; }
  .topbar .right span:first-child { display: none; }

  .solutions { grid-template-columns: 1fr; }
  .solution { border-right: 0; border-bottom: 1px solid var(--rule); padding: 28px 0; }
  .solution:last-child { border-bottom: 0; }

  .process { grid-template-columns: 1fr; }
  .proc-step { border-right: 0; border-bottom: 1px solid var(--rule); padding: 28px 0; }
  .proc-step:last-child { border-bottom: 0; }

  .hero-meta { grid-template-columns: 1fr; }
  .hero-meta .cell { border-right: 0; border-bottom: 1px solid var(--ink-rule); padding: 18px 0; }
  .hero-meta .cell:last-child { border-bottom: 0; }

  .cta-row { flex-direction: column; align-items: stretch; }
  .cta-row .btn { justify-content: center; }

  .foot-grid { grid-template-columns: 1fr; }
}