:root {
  --white:      #ffffff;
  --cream:      #FAF8F5;
  --cream-warm: #F3EEE8;
  --stone:      #E8E2DA;
  --charcoal:   #2C2C2C;
  --text-dark:  #3A3A3A;
  --text-body:  #4A4A4A;
  --text-muted: #717171;
  --red:        #8B2332;
  --red-light:  #A62D3E;
  --red-pale:   rgba(139,35,50,0.06);
  --red-border: rgba(139,35,50,0.12);
  --navy:       #1C2B4A;
  --navy-light: #2A3D66;
  --gold-warm:  #B8963E;
  --border:     rgba(0,0,0,0.08);
  --border-med: rgba(0,0,0,0.12);
}

*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}

body{
  font-family:'Source Sans 3',sans-serif;
  background:var(--cream);
  color:var(--text-dark);
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}

/* ── NAV ── */
nav{
  position:fixed;top:0;left:0;right:0;z-index:100;
  height:72px;padding:0 52px;
  display:flex;align-items:center;justify-content:space-between;
  background:rgba(255,255,255,0.97);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
  transition:box-shadow 0.3s;
}
nav.scrolled{box-shadow:0 2px 20px rgba(0,0,0,0.06);}

.logo{
  font-family:'Playfair Display',serif;
  font-size:1.15rem;font-weight:600;
  color:var(--charcoal);text-decoration:none;cursor:pointer;
  letter-spacing:0.01em;
}
.logo span{color:var(--red);}
.nav-links{display:flex;gap:36px;list-style:none;align-items:center;}
.nav-links a{
  font-size:0.82rem;font-weight:500;
  letter-spacing:0.08em;text-transform:uppercase;
  color:var(--text-body);text-decoration:none;
  cursor:pointer;transition:color 0.2s;
}
.nav-links a:hover{color:var(--red);}
.nav-cta{
  background:var(--red) !important;color:var(--white) !important;
  padding:10px 24px !important;border-radius:3px;
  letter-spacing:0.08em !important;
  transition:background 0.2s, transform 0.2s !important;
}
.nav-cta:hover{background:var(--red-light) !important;transform:translateY(-1px);}

.menu-btn{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;}
.menu-btn span{display:block;width:22px;height:2px;background:var(--charcoal);transition:0.3s;}

.mobile-nav{
  display:none;position:fixed;top:72px;left:0;right:0;
  background:var(--white);
  border-bottom:1px solid var(--border);
  z-index:99;padding:24px 32px;
  flex-direction:column;gap:20px;
}
.mobile-nav.open{display:flex;}
.mobile-nav a{
  font-size:0.92rem;font-weight:500;
  color:var(--text-dark);text-decoration:none;
  letter-spacing:0.06em;text-transform:uppercase;
  cursor:pointer;padding:8px 0;
  border-bottom:1px solid var(--border);
}
.mobile-nav a:last-child{border-bottom:none;}

/* ── PAGE SYSTEM ── */
.page{display:none;opacity:0;transform:translateY(12px);transition:opacity 0.45s ease,transform 0.45s ease;}
.page.active{display:block;opacity:1;transform:translateY(0);}
.page.entering{display:block;}

/* ── SCROLL REVEAL ── */
.reveal{opacity:0;transform:translateY(32px);transition:opacity 0.7s cubic-bezier(0.22,1,0.36,1),transform 0.7s cubic-bezier(0.22,1,0.36,1);}
.reveal.visible{opacity:1;transform:translateY(0);}
.reveal-d1{transition-delay:0.1s;}
.reveal-d2{transition-delay:0.2s;}
.reveal-d3{transition-delay:0.3s;}

/* ── SHARED LAYOUT ── */
.wrap{max-width:1120px;margin:0 auto;padding:0 48px;position:relative;z-index:1;}
.section{padding:96px 0;}
.section-sm{padding:64px 0;}

.eyebrow{
  font-size:0.72rem;font-weight:600;
  letter-spacing:0.2em;text-transform:uppercase;
  color:var(--red);margin-bottom:14px;
  display:flex;align-items:center;gap:12px;
}
.eyebrow::before{content:'';display:block;width:28px;height:1.5px;background:var(--red);}

.heading{
  font-family:'Playfair Display',serif;
  font-size:clamp(2rem,3.8vw,3rem);
  font-weight:600;line-height:1.15;
  color:var(--charcoal);margin-bottom:18px;
}
.heading em{font-style:italic;color:var(--red);}

.body-text{
  font-size:1.05rem;font-weight:400;line-height:1.8;
  color:var(--text-body);max-width:580px;
}

/* ── HERO ── */
#home-hero{
  position:relative;min-height:100vh;
  padding-top:72px;
  display:flex;align-items:center;overflow:hidden;
  background:var(--white);
}
.hero-bg{
  position:absolute;inset:0;
  background:
    url('https://images.unsplash.com/photo-1570129477492-45c003edd2be?w=1920&q=80') center/cover no-repeat;
}
.hero-bg::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(
    170deg,
    rgba(255,255,255,0.82) 0%,
    rgba(250,248,245,0.75) 35%,
    rgba(250,248,245,0.92) 70%,
    rgba(250,248,245,0.98) 100%
  );
}
.hero-accent-line{
  position:absolute;top:72px;left:0;right:0;height:4px;
  background:linear-gradient(90deg, var(--red), var(--red-light), var(--gold-warm));
}

.hero-inner{
  position:relative;z-index:1;
  max-width:820px;margin:0 auto;padding:100px 48px 80px;
  text-align:center;
}
.hero-inner .eyebrow{justify-content:center;}
.hero-inner .hero-sub{margin-left:auto;margin-right:auto;}
.hero-inner .hero-btns{justify-content:center;}
.hero-inner .hero-trust{justify-content:center;}

.hero-text .eyebrow{margin-bottom:22px;}

.hero-h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(2.8rem,5vw,4.2rem);
  font-weight:700;line-height:1.08;
  color:var(--charcoal);margin-bottom:26px;
  animation:fadeUp 0.8s ease both;
}
.hero-h1 em{font-style:italic;color:var(--red);display:block;margin-top:4px;}

.hero-sub{
  font-size:1.1rem;font-weight:400;line-height:1.8;
  color:var(--text-body);max-width:520px;margin-bottom:40px;
  animation:fadeUp 0.8s ease both 0.15s;
}

.hero-btns{
  display:flex;gap:14px;flex-wrap:wrap;
  animation:fadeUp 0.8s ease both 0.3s;
}

.btn{
  display:inline-flex;align-items:center;gap:8px;
  font-family:'Source Sans 3',sans-serif;
  font-size:0.84rem;font-weight:600;
  letter-spacing:0.08em;text-transform:uppercase;
  padding:14px 30px;border-radius:3px;
  border:none;cursor:pointer;text-decoration:none;
  transition:all 0.22s;
}
.btn-red{background:var(--red);color:var(--white);}
.btn-red:hover{background:var(--red-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(139,35,50,0.2);}
.btn-outline{background:transparent;color:var(--charcoal);border:1.5px solid var(--border-med);}
.btn-outline:hover{border-color:var(--red);color:var(--red);transform:translateY(-2px);}

.hero-trust{
  display:flex;gap:28px;flex-wrap:wrap;margin-top:48px;
  animation:fadeUp 0.8s ease both 0.45s;
}
.trust-pill{
  display:flex;align-items:center;gap:8px;
  font-size:0.8rem;font-weight:500;color:var(--text-muted);
  transition:color 0.25s,transform 0.25s;
}
.trust-pill:hover{color:var(--text-dark);transform:translateY(-1px);}
.trust-dot{width:6px;height:6px;border-radius:50%;background:var(--red);flex-shrink:0;opacity:0.7;transition:transform 0.25s;}
.trust-pill:hover .trust-dot{transform:scale(1.4);}

/* ── HOW IT WORKS ── */
.section-alt{
  position:relative;
  background:var(--white);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  overflow:hidden;
}
.section-alt::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?w=1920&q=80') center/cover no-repeat;
  opacity:0.03;
}
.steps{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:0;margin-top:56px;
}
.step{
  padding:40px 32px;position:relative;
  border-right:1px solid var(--border);
  transition:background 0.25s;
}
.step:last-child{border-right:none;}
.step:hover{background:var(--red-pale);}
.step-num{
  font-family:'Playfair Display',serif;
  font-size:3.2rem;font-weight:700;
  color:rgba(139,35,50,0.1);line-height:1;
  margin-bottom:16px;
}
.step-title{
  font-family:'Playfair Display',serif;
  font-size:1.25rem;font-weight:600;
  color:var(--charcoal);margin-bottom:12px;
}
.step-body{font-size:0.9rem;line-height:1.75;color:var(--text-body);}

/* ── TWO CLIENT TYPES ── */
.clients-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:28px;margin-top:56px;
}
.client-card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:4px;padding:44px 36px;
  position:relative;overflow:hidden;
  transition:border-color 0.3s, transform 0.3s, box-shadow 0.3s;
  cursor:pointer;
}
.client-card:hover{
  border-color:var(--red-border);
  transform:translateY(-4px);
  box-shadow:0 12px 32px rgba(0,0,0,0.06);
}
.client-card::after{
  content:'';position:absolute;
  bottom:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--red),var(--red-light));
  transform:scaleX(0);transform-origin:left;
  transition:transform 0.35s;
}
.client-card:hover::after{transform:scaleX(1);}
.client-icon{
  width:48px;height:48px;
  background:var(--red-pale);
  border:1px solid var(--red-border);border-radius:3px;
  display:flex;align-items:center;justify-content:center;
  margin-bottom:22px;font-size:1.4rem;
}
.client-title{
  font-family:'Playfair Display',serif;
  font-size:1.45rem;font-weight:600;
  color:var(--charcoal);margin-bottom:12px;
}
.client-body{font-size:0.92rem;line-height:1.75;color:var(--text-body);margin-bottom:24px;}
.client-features{list-style:none;display:flex;flex-direction:column;gap:9px;margin-bottom:24px;}
.client-features li{
  font-size:0.86rem;color:var(--text-body);
  display:flex;align-items:flex-start;gap:10px;line-height:1.5;
}
.client-features li::before{
  content:'';width:6px;height:6px;border-radius:50%;
  background:var(--red);margin-top:7px;flex-shrink:0;opacity:0.6;
}
.client-link{
  font-size:0.78rem;font-weight:600;
  letter-spacing:0.1em;text-transform:uppercase;
  color:var(--red);text-decoration:none;
  display:flex;align-items:center;gap:8px;
  transition:gap 0.2s;cursor:pointer;
}
.client-link:hover{gap:14px;}

/* ── TRUST BAND ── */
.trust-band{
  position:relative;
  background:var(--white);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:72px 0;
  overflow:hidden;
}
.trust-band::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1920&q=80') center/cover no-repeat;
  opacity:0.04;
}
.trust-inner{
  max-width:1120px;margin:0 auto;padding:0 48px;
  display:grid;grid-template-columns:1.2fr 1fr;gap:72px;align-items:center;
  position:relative;z-index:1;
}
.trust-stats{display:flex;flex-direction:column;gap:28px;}
.stat-row{display:flex;align-items:flex-start;gap:20px;}
.stat-num{
  font-family:'Playfair Display',serif;
  font-size:2.6rem;font-weight:700;color:var(--red);
  line-height:1;white-space:nowrap;
}
.stat-label{font-size:0.9rem;color:var(--text-body);line-height:1.6;padding-top:6px;}

/* ── FOR PRIVATE LENDERS PAGE ── */
.lender-hero{
  position:relative;
  padding:140px 0 80px;
  background:var(--white);
  border-bottom:1px solid var(--border);
  overflow:hidden;
}
.lender-hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1582407947092-78e132ed68c3?w=1920&q=80') center/cover no-repeat;
  opacity:0.05;
}
.process-timeline{
  display:flex;flex-direction:column;gap:0;
  margin-top:56px;
  border-left:2px solid var(--stone);
  padding-left:40px;
}
.timeline-item{
  position:relative;padding:0 0 48px 0;
}
.timeline-item:last-child{padding-bottom:0;}
.timeline-dot{
  position:absolute;left:-49px;top:4px;
  width:16px;height:16px;border-radius:50%;
  background:var(--cream);border:2px solid var(--red);
}
.timeline-day{
  font-size:0.72rem;letter-spacing:0.2em;text-transform:uppercase;
  color:var(--red);margin-bottom:8px;font-weight:600;
}
.timeline-title{
  font-family:'Playfair Display',serif;
  font-size:1.35rem;font-weight:600;color:var(--charcoal);margin-bottom:8px;
}
.timeline-body{font-size:0.92rem;line-height:1.75;color:var(--text-body);max-width:560px;}
.timeline-fee{
  display:inline-block;margin-top:10px;
  background:var(--red-pale);
  border:1px solid var(--red-border);
  padding:6px 16px;border-radius:3px;
  font-family:'Playfair Display',serif;
  font-size:1.1rem;color:var(--red);
}
.timeline-fee small{
  font-family:'Source Sans 3',sans-serif;
  font-size:0.68rem;letter-spacing:0.12em;text-transform:uppercase;
  color:var(--text-muted);margin-left:8px;
}

.outcomes-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:24px;
  margin-top:48px;
}
.outcome-card{
  padding:36px;
  background:var(--white);
  border:1px solid var(--border);border-radius:4px;
  position:relative;overflow:hidden;
}
.outcome-card::before{
  content:'';position:absolute;top:0;left:0;bottom:0;width:3px;
  background:var(--red);
}
.outcome-label{
  font-size:0.72rem;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--red);margin-bottom:12px;font-weight:600;
}
.outcome-title{
  font-family:'Playfair Display',serif;
  font-size:1.25rem;font-weight:600;color:var(--charcoal);margin-bottom:10px;
}
.outcome-body{font-size:0.9rem;line-height:1.75;color:var(--text-body);}

/* ── FOR NOTE SERVICERS PAGE ── */
.servicer-hero{
  position:relative;
  padding:140px 0 80px;
  background:var(--white);
  border-bottom:1px solid var(--border);
  overflow:hidden;
}
.servicer-hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1920&q=80') center/cover no-repeat;
  opacity:0.04;
}
.revenue-card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:4px;padding:48px;
  text-align:center;
  margin-top:56px;
  box-shadow:0 1px 3px rgba(0,0,0,0.04);
}
.revenue-num{
  font-family:'Playfair Display',serif;
  font-size:4.5rem;font-weight:700;color:var(--red);line-height:1;
  margin-bottom:8px;
}
.revenue-label{font-size:0.92rem;color:var(--text-muted);margin-bottom:28px;}
.revenue-example{
  font-size:0.9rem;color:var(--text-body);
  background:var(--red-pale);
  border-radius:3px;padding:14px 24px;
  display:inline-block;
}

.benefits-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:24px;
  margin-top:52px;
}
.benefit-item{
  padding:32px;
  background:var(--white);
  border:1px solid var(--border);border-radius:4px;
  transition:border-color 0.25s, box-shadow 0.25s;
}
.benefit-item:hover{border-color:var(--red-border);box-shadow:0 4px 16px rgba(0,0,0,0.04);}
.benefit-icon{
  width:44px;height:44px;
  background:var(--red-pale);border-radius:3px;
  display:flex;align-items:center;justify-content:center;
  margin-bottom:18px;font-size:1.3rem;
}
.benefit-title{
  font-family:'Playfair Display',serif;
  font-size:1.15rem;font-weight:600;color:var(--charcoal);margin-bottom:8px;
}
.benefit-body{font-size:0.88rem;line-height:1.7;color:var(--text-body);}

/* ── ABOUT PAGE ── */
.about-hero{
  position:relative;
  padding:140px 0 80px;
  background:var(--white);
  border-bottom:1px solid var(--border);
  overflow:hidden;
}
.about-hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1920&q=80') center/cover no-repeat;
  opacity:0.04;
}

/* ── TEAM SECTION ── */
.team-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:28px;
  margin-top:56px;
}
.team-card{
  background:var(--white);
  border:1px solid var(--border);border-radius:4px;
  overflow:hidden;
  transition:border-color 0.25s,transform 0.25s,box-shadow 0.25s;
}
.team-card:hover{
  border-color:var(--red-border);
  transform:translateY(-4px);
  box-shadow:0 12px 32px rgba(0,0,0,0.06);
}
.team-photo{
  width:100%;aspect-ratio:1/1;
  object-fit:cover;object-position:center top;
  display:block;
  border-bottom:1px solid var(--border);
}
.team-card-body{padding:28px 24px;}
.team-name{
  font-family:'Playfair Display',serif;
  font-size:1.3rem;font-weight:600;color:var(--charcoal);margin-bottom:4px;
}
.team-role{
  font-size:0.76rem;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--red);margin-bottom:14px;font-weight:600;
}
.team-bio{font-size:0.88rem;line-height:1.75;color:var(--text-body);}
.team-bio-expanded{display:none;margin-top:12px;}
.team-bio-expanded.open{display:block;}
.team-read-more{
  display:inline-block;margin-top:10px;
  font-size:0.78rem;font-weight:600;color:var(--red);
  cursor:pointer;letter-spacing:0.06em;text-transform:uppercase;
  border:none;background:none;padding:0;
  font-family:'Source Sans 3',sans-serif;
}
.team-read-more:hover{text-decoration:underline;}

.values-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:24px;
  margin-top:48px;
}
.value-item{
  padding:28px;
  background:var(--white);
  border:1px solid var(--border);border-radius:4px;
  display:flex;gap:20px;align-items:flex-start;
}
.value-num{
  font-family:'Playfair Display',serif;
  font-size:1.6rem;font-weight:700;color:var(--red);
  opacity:0.4;line-height:1;flex-shrink:0;
}
.value-title{
  font-family:'Playfair Display',serif;
  font-size:1.05rem;font-weight:600;color:var(--charcoal);margin-bottom:6px;
}
.value-body{font-size:0.88rem;line-height:1.7;color:var(--text-body);}

/* ── CONTACT PAGE ── */
.contact-hero{
  position:relative;
  padding:140px 0 80px;
  background:var(--white);
  border-bottom:1px solid var(--border);
  overflow:hidden;
}
.contact-hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1564013799919-ab600027ffc6?w=1920&q=80') center/cover no-repeat;
  opacity:0.05;
}

.contact-layout{
  display:grid;grid-template-columns:1fr 1.2fr;gap:56px;
  margin-top:56px;align-items:start;
}

.contact-info{display:flex;flex-direction:column;gap:28px;}

.contact-detail{
  display:flex;gap:16px;align-items:flex-start;
  padding-bottom:24px;
  border-bottom:1px solid var(--border);
}
.contact-detail:last-of-type{border-bottom:none;}
.detail-icon{
  width:42px;height:42px;flex-shrink:0;
  background:var(--red-pale);
  border:1px solid var(--red-border);border-radius:3px;
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;
}
.detail-label{
  font-size:0.7rem;letter-spacing:0.16em;text-transform:uppercase;
  color:var(--red);margin-bottom:4px;font-weight:600;
}
.detail-value{
  font-family:'Playfair Display',serif;
  font-size:1.15rem;font-weight:600;color:var(--charcoal);
}
.detail-value a{color:inherit;text-decoration:none;transition:color 0.2s;}
.detail-value a:hover{color:var(--red);}
.detail-sub{font-size:0.82rem;color:var(--text-muted);margin-top:2px;line-height:1.5;}

/* Calendly box */
.calendly-box{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:4px;
  padding:44px;
  position:relative;overflow:hidden;
  box-shadow:0 1px 3px rgba(0,0,0,0.04);
}
.calendly-box::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--red),var(--gold-warm));
}
.calendly-title{
  font-family:'Playfair Display',serif;
  font-size:1.7rem;font-weight:600;color:var(--charcoal);
  margin-bottom:10px;
}
.calendly-sub{
  font-size:0.94rem;color:var(--text-body);line-height:1.7;margin-bottom:8px;
}
.calendly-note{
  font-size:0.82rem;color:var(--text-muted);margin-bottom:28px;
  padding-bottom:24px;border-bottom:1px solid var(--border);
}
.calendly-note strong{color:var(--text-body);}

.schedule-btn{
  display:flex;align-items:center;justify-content:center;gap:12px;
  width:100%;
  background:var(--red);color:var(--white);
  font-family:'Source Sans 3',sans-serif;
  font-size:0.9rem;font-weight:700;
  letter-spacing:0.08em;text-transform:uppercase;
  padding:18px 32px;border-radius:3px;
  border:none;cursor:pointer;
  text-decoration:none;
  transition:all 0.25s;
  margin-bottom:14px;
}
.schedule-btn:hover{
  background:var(--red-light);
  transform:translateY(-2px);
  box-shadow:0 10px 28px rgba(139,35,50,0.22);
}
.schedule-btn svg{flex-shrink:0;}

.schedule-caption{
  text-align:center;font-size:0.78rem;color:var(--text-muted);
  line-height:1.6;
}

.reassurance-pills{
  display:flex;flex-direction:column;gap:10px;
  margin-top:20px;
}
.reassurance-pill{
  display:flex;align-items:flex-start;gap:10px;
  font-size:0.86rem;color:var(--text-body);line-height:1.55;
}
.reassurance-pill::before{
  content:'';width:6px;height:6px;border-radius:50%;
  background:var(--red);flex-shrink:0;margin-top:7px;opacity:0.6;
}

/* ── FAQ SECTION ── */
.faq-list{margin-top:48px;max-width:720px;}
.faq-item{
  border-bottom:1px solid var(--border);
}
.faq-question{
  width:100%;text-align:left;background:none;border:none;
  padding:20px 0;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-family:'Source Sans 3',sans-serif;
  font-size:1.02rem;font-weight:600;color:var(--charcoal);
  line-height:1.4;
}
.faq-question:hover{color:var(--red);}
.faq-arrow{
  flex-shrink:0;width:20px;height:20px;
  transition:transform 0.3s;color:var(--text-muted);
}
.faq-item.open .faq-arrow{transform:rotate(180deg);color:var(--red);}
.faq-answer{
  max-height:0;overflow:hidden;transition:max-height 0.35s ease;
}
.faq-answer-inner{
  padding:0 0 20px;
  font-size:0.92rem;line-height:1.8;color:var(--text-body);
}

/* ── FOOTER ── */
footer{
  position:relative;
  background:var(--navy);color:rgba(255,255,255,0.7);
  padding:64px 0 40px;
  overflow:hidden;
}
footer::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1449824913935-59a10b8d2000?w=1920&q=80') center/cover no-repeat;
  opacity:0.06;
}
.footer-inner{
  max-width:1120px;margin:0 auto;padding:0 48px;
  display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:48px;
  position:relative;z-index:1;
}
.footer-brand{
  font-family:'Playfair Display',serif;
  font-size:1.1rem;font-weight:600;color:var(--white);margin-bottom:14px;
}
.footer-brand span{color:var(--gold-warm);}
.footer-tagline{font-size:0.86rem;color:rgba(255,255,255,0.55);line-height:1.7;margin-bottom:20px;}
.footer-contact-sm{
  display:flex;flex-direction:column;gap:7px;
}
.footer-contact-sm a{
  font-size:0.84rem;color:rgba(255,255,255,0.55);text-decoration:none;transition:color 0.2s;
}
.footer-contact-sm a:hover{color:var(--gold-warm);}
.footer-col-title{
  font-size:0.72rem;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--gold-warm);margin-bottom:18px;
}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:11px;}
.footer-links a{
  font-size:0.86rem;color:rgba(255,255,255,0.55);text-decoration:none;
  transition:color 0.2s;cursor:pointer;
}
.footer-links a:hover{color:var(--white);}
.footer-bottom{
  max-width:1120px;margin:40px auto 0;padding:24px 48px 0;
  border-top:1px solid rgba(255,255,255,0.1);
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:12px;
  position:relative;z-index:1;
}
.footer-copy{font-size:0.78rem;color:rgba(255,255,255,0.4);}
.footer-legal{font-size:0.75rem;color:rgba(255,255,255,0.3);max-width:500px;line-height:1.6;}

/* ── CTA BAND ── */
.cta-band{
  position:relative;
  background:var(--navy);
  padding:80px 0;text-align:center;
  overflow:hidden;
}
.cta-band::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?w=1920&q=80') center/cover no-repeat;
  opacity:0.12;
}
.cta-band .eyebrow{justify-content:center;color:var(--gold-warm);}
.cta-band .eyebrow::before{background:var(--gold-warm);}
.cta-band .heading{max-width:640px;margin:0 auto 16px;color:var(--white);}
.cta-band .heading em{color:var(--gold-warm);}
.cta-band .body-text{margin:0 auto 36px;text-align:center;color:rgba(255,255,255,0.65);}

/* ── BLOG ── */
.blog-hero{
  position:relative;padding:140px 0 80px;
  background:var(--white);border-bottom:1px solid var(--border);overflow:hidden;
}
.blog-hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1920&q=80') center/cover no-repeat;
  opacity:0.05;
}
.blog-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:28px;margin-top:48px;
}
.blog-card{
  background:var(--white);border:1px solid var(--border);border-radius:4px;
  overflow:hidden;cursor:pointer;
  transition:border-color 0.3s,transform 0.3s,box-shadow 0.3s;
}
.blog-card:hover{
  border-color:var(--red-border);transform:translateY(-4px);
  box-shadow:0 12px 32px rgba(0,0,0,0.06);
}
.blog-card-img{
  width:100%;height:200px;object-fit:cover;display:block;
  border-bottom:1px solid var(--border);
}
.blog-card-body{padding:28px 24px;}
.blog-card-tag{
  font-size:0.68rem;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;
  color:var(--red);margin-bottom:10px;
}
.blog-card-title{
  font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:600;
  color:var(--charcoal);margin-bottom:10px;line-height:1.35;
}
.blog-card-excerpt{font-size:0.88rem;line-height:1.7;color:var(--text-body);margin-bottom:16px;}
.blog-card-link{
  font-size:0.76rem;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--red);display:flex;align-items:center;gap:6px;transition:gap 0.2s;
}
.blog-card:hover .blog-card-link{gap:12px;}

/* Blog article layout */
.article-wrap{max-width:740px;margin:0 auto;padding:0 48px;}
.article-meta{
  display:flex;align-items:center;gap:16px;flex-wrap:wrap;
  margin-bottom:32px;padding-bottom:24px;border-bottom:1px solid var(--border);
}
.article-date{font-size:0.8rem;color:var(--text-muted);}
.article-tag{
  font-size:0.68rem;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--red);background:var(--red-pale);border:1px solid var(--red-border);
  padding:4px 12px;border-radius:3px;
}
.article-back{
  font-size:0.78rem;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--red);cursor:pointer;background:none;border:none;
  font-family:'Source Sans 3',sans-serif;display:flex;align-items:center;gap:6px;
  margin-bottom:24px;transition:gap 0.2s;
}
.article-back:hover{gap:10px;}
.article-body h2{
  font-family:'Playfair Display',serif;font-size:1.6rem;font-weight:600;
  color:var(--charcoal);margin:40px 0 16px;line-height:1.3;
}
.article-body h3{
  font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:600;
  color:var(--charcoal);margin:32px 0 12px;line-height:1.35;
}
.article-body p{
  font-size:1rem;line-height:1.85;color:var(--text-body);margin-bottom:20px;
}
.article-body ul,.article-body ol{
  margin:0 0 20px 24px;color:var(--text-body);
}
.article-body li{font-size:0.96rem;line-height:1.8;margin-bottom:8px;}
.article-body strong{color:var(--charcoal);}
.article-body blockquote{
  border-left:3px solid var(--red);margin:28px 0;padding:16px 24px;
  background:var(--red-pale);border-radius:0 4px 4px 0;
}
.article-body blockquote p{margin-bottom:0;font-style:italic;}
.article-cta{
  margin-top:48px;padding:36px;background:var(--red-pale);border:1px solid var(--red-border);
  border-radius:4px;text-align:center;
}
.article-cta h3{margin:0 0 10px;font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--charcoal);}
.article-cta p{font-size:0.92rem;color:var(--text-body);margin-bottom:20px;}

@media(max-width:900px){
  .blog-grid{grid-template-columns:1fr;}
  .blog-card{max-width:480px;margin:0 auto;}
  .article-wrap{padding:0 24px;}
}

/* ── BACK TO TOP ── */
.back-to-top{
  position:fixed;bottom:32px;right:32px;z-index:90;
  width:44px;height:44px;border-radius:50%;
  background:var(--red);color:var(--white);
  border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 16px rgba(139,35,50,0.3);
  opacity:0;transform:translateY(12px);
  transition:opacity 0.3s,transform 0.3s,background 0.2s;
  pointer-events:none;
}
.back-to-top.visible{opacity:1;transform:translateY(0);pointer-events:auto;}
.back-to-top:hover{background:var(--red-light);transform:translateY(-2px);}

/* ── STAT COUNTER ANIMATION ── */
.stat-num{transition:opacity 0.4s;}
.stat-num.counting{opacity:0.6;}

/* ── SKIP LINK ── */
.skip-link{
  position:absolute;top:-100%;left:16px;
  background:var(--red);color:var(--white);
  padding:8px 16px;border-radius:0 0 4px 4px;
  font-size:0.82rem;font-weight:600;z-index:200;
  text-decoration:none;transition:top 0.2s;
}
.skip-link:focus{top:0;}

/* ── ANIMATIONS ── */
@keyframes fadeUp{
  from{opacity:0;transform:translateY(20px);}
  to{opacity:1;transform:translateY(0);}
}
.fade{animation:fadeUp 0.7s ease both;}
.d1{animation-delay:0.1s;}
.d2{animation-delay:0.22s;}
.d3{animation-delay:0.34s;}
.d4{animation-delay:0.46s;}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  nav{padding:0 24px;}
  .nav-links{display:none;}
  .menu-btn{display:flex;}
  .hero-inner,.contact-layout,.clients-grid,.outcomes-grid,.footer-inner,
  .trust-inner,.team-grid,.benefits-grid{
    grid-template-columns:1fr;
  }
  .values-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
  .step{border-right:none;border-bottom:1px solid var(--border);}
  .step:last-child{border-bottom:none;}
  .wrap{padding:0 24px;}
  .section{padding:72px 0;}
  .hero-inner{padding:60px 24px;}
  .footer-inner{padding:0 24px;}
  .footer-bottom{padding:24px 24px 0;}
  .trust-inner{padding:0 24px;gap:40px;}
  .contact-hero,.lender-hero,.servicer-hero,.about-hero{padding:110px 0 60px;}
  .lender-hero .wrap{grid-template-columns:1fr !important;}
  .team-card{max-width:400px;margin:0 auto;}
  .team-grid{gap:20px;}
}