/* ==========================================================================
   BLAZE FINANCE — Design System & Site Styles
   ========================================================================== */

:root {
  /* Brand colour system */
  --black-950: #050505;
  --black-900: #0A0A0A;
  --black-800: #111111;
  --grey-800: #181818;
  --grey-700: #222222;
  --grey-600: #2E2E2E;
  --grey-500: #3D3D3D;
  --white: #FFFFFF;
  --off-white: #F5F5F5;
  --muted: #B7B4AD;
  --muted-dim: #8A867D;

  --gold-100: #FFE49A;
  --gold-200: #FFD54A;
  --gold-400: #F5A623;
  --gold-600: #D97706;
  --gold-900: #8A4E08;

  --gold-gradient: linear-gradient(135deg, var(--gold-100) 0%, var(--gold-200) 32%, var(--gold-400) 68%, var(--gold-600) 100%);
  --gold-gradient-soft: linear-gradient(135deg, rgba(255,213,74,0.16), rgba(217,119,6,0.05));
  --gold-text-gradient: linear-gradient(100deg, var(--gold-200), var(--gold-400) 55%, var(--gold-600));

  --border-hair: rgba(255, 213, 74, 0.16);
  --border-hair-strong: rgba(255, 213, 74, 0.32);
  --glass-bg: rgba(17, 17, 17, 0.72);

  --shadow-gold: 0 8px 30px rgba(217, 119, 6, 0.18);
  --shadow-card: 0 20px 50px rgba(0, 0, 0, 0.45);

  --font-head: 'Archivo', 'Inter', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;

  --container-w: 1240px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 8px;

  --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ---------------------------------------------------------------- reset */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body, h1, h2, h3, h4, p, figure, blockquote, dl, dd { margin: 0; }
ul[class], ol[class] { list-style: none; margin: 0; padding: 0; }
img, picture, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; background: none; border: none; color: inherit; }
input, select { font: inherit; }

html, body { overflow-x: hidden; width: 100%; }

body {
  background: var(--black-950);
  color: var(--off-white);
  font-family: var(--font-body);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

/* subtle background texture */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -2;
  background:
    radial-gradient(1200px 700px at 85% -10%, rgba(217,119,6,0.10), transparent 60%),
    radial-gradient(900px 500px at -10% 30%, rgba(255,213,74,0.06), transparent 55%);
  pointer-events: none;
}
body::after {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  opacity: 0.035;
  pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1.08;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-200);
}
.eyebrow::before { display: none; }

.gold-text {
  background: var(--gold-text-gradient);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(28px, 4vw, 44px); margin-top: 14px; }
.section-head p { color: var(--muted); font-size: 17px; margin-top: 16px; max-width: 60ch; }
.section-head.center p { margin-left: auto; margin-right: auto; }

.container {
  width: 100%;
  max-width: var(--container-w);
  margin: 0 auto;
  padding: 0 24px;
}

section { position: relative; padding: 96px 0; }
section.tight { padding: 64px 0; }

@media (max-width: 768px) {
  section { padding: 64px 0; }
  section.tight { padding: 44px 0; }
  .section-head { margin-bottom: 32px; }
}

/* ---------------------------------------------------------------- reveal */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.in-view { opacity: 1; transform: translateY(0); }
.reveal-stagger > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s var(--ease), transform 0.6s var(--ease);
}
.reveal-stagger.in-view > * { opacity: 1; transform: translateY(0); }
.reveal-stagger.in-view > *:nth-child(1) { transition-delay: 0.02s; }
.reveal-stagger.in-view > *:nth-child(2) { transition-delay: 0.09s; }
.reveal-stagger.in-view > *:nth-child(3) { transition-delay: 0.16s; }
.reveal-stagger.in-view > *:nth-child(4) { transition-delay: 0.23s; }
.reveal-stagger.in-view > *:nth-child(5) { transition-delay: 0.30s; }
.reveal-stagger.in-view > *:nth-child(6) { transition-delay: 0.37s; }
.reveal-stagger.in-view > *:nth-child(7) { transition-delay: 0.44s; }
.reveal-stagger.in-view > *:nth-child(8) { transition-delay: 0.51s; }

/* ---------------------------------------------------------------- buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 16px 30px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 14.5px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  white-space: nowrap;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s var(--ease), border-color 0.25s var(--ease);
  min-height: 52px;
}
.btn:active { transform: translateY(1px) scale(0.99); }

.btn-primary {
  background: var(--gold-gradient);
  color: var(--black-950);
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover { box-shadow: 0 10px 40px rgba(245, 166, 35, 0.35); transform: translateY(-2px); }

.btn-outline {
  background: rgba(255,255,255,0.02);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.22);
  backdrop-filter: blur(6px);
}
.btn-outline:hover { border-color: var(--gold-200); color: var(--gold-200); transform: translateY(-2px); }

/* Distinct CTA for "Start Your Application" — visually its own thing, still on-brand gold.
   Not wired to anything yet: the LMG application system isn't connected. */
.btn-outline-gold {
  background: rgba(245,166,35,0.05);
  color: var(--gold-200);
  border: 1.5px solid var(--gold-400);
}
.btn-outline-gold:hover { background: rgba(245,166,35,0.12); border-color: var(--gold-200); color: var(--gold-100); transform: translateY(-2px); }

/* ---- "why go through us" comparison ---- */
.partners-grid.compare-grid { align-items: stretch; }
.compare-card { transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease); display: flex; flex-direction: column; }
.compare-card-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.compare-card--active { border-color: var(--gold-400); box-shadow: 0 0 0 1px rgba(245,166,35,0.15); }
.compare-list { list-style: none; padding: 0; margin: 18px 0 0; display: flex; flex-direction: column; gap: 14px; }
.compare-list li { display: flex; align-items: center; gap: 12px; font-size: 14.5px; color: var(--off-white); }
.compare-icon { flex-shrink: 0; width: 22px; height: 22px; border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.compare-icon svg { width: 12px; height: 12px; }
.compare-icon.is-con { background: rgba(255,255,255,0.04); border: 1px solid var(--border-hair); color: var(--muted-dim); }
.compare-icon.is-pro { background: rgba(255,213,74,0.1); border: 1px solid var(--border-hair-strong); color: var(--gold-200); }

.btn-ghost {
  color: var(--gold-200);
  padding: 8px 0;
  font-size: 13px;
  min-height: auto;
}
.btn-ghost::after { content: "→"; margin-left: 6px; transition: transform 0.2s var(--ease); display: inline-block; }
.btn-ghost:hover::after { transform: translateX(4px); }

.btn-block { width: 100%; }

@media (max-width: 480px) {
  .btn { padding: 15px 22px; font-size: 13.5px; }
}

/* ---------------------------------------------------------------- navbar */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 200;
  padding: 22px 0;
  transition: padding 0.35s var(--ease), background 0.35s var(--ease), border-color 0.35s var(--ease), box-shadow 0.35s var(--ease);
  border-bottom: 1px solid transparent;
}
.navbar .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.navbar.scrolled {
  padding: 12px 0;
  background: rgba(5,5,5,0.78);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border-bottom-color: var(--border-hair);
  box-shadow: 0 10px 30px rgba(0,0,0,0.35);
}

.brand { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.brand-emblem { width: 34px; height: auto; flex-shrink: 0; mix-blend-mode: screen; transition: transform 0.4s var(--ease), width 0.35s var(--ease); }
.navbar.scrolled .brand-emblem { width: 28px; }
.brand-word { font-family: var(--font-head); line-height: 1; }
.brand-word .b1 { display: block; font-size: 19px; font-weight: 800; letter-spacing: 0.03em; color: var(--white); }
.brand-word .b2 { display: block; font-size: 10.5px; font-weight: 700; letter-spacing: 0.32em; margin-top: 3px; background: var(--gold-text-gradient); -webkit-background-clip: text; background-clip: text; color: transparent; }

.nav-links { display: flex; align-items: center; gap: 30px; flex-wrap: nowrap; }
.nav-links a {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--off-white);
  position: relative;
  padding: 4px 0;
  white-space: nowrap;
  transition: color 0.2s var(--ease);
}
.nav-links a::after {
  content: "";
  position: absolute; left: 0; right: 100%; bottom: -2px;
  height: 2px;
  background: var(--gold-gradient);
  transition: right 0.3s var(--ease);
  border-radius: 2px;
}
.nav-links a:hover { color: var(--gold-200); }
.nav-links a:hover::after { right: 0; }

.nav-cta { display: flex; align-items: center; gap: 20px; flex-shrink: 0; }
.nav-phone {
  display: none;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--muted);
  white-space: nowrap;
  flex-shrink: 0;
}
.nav-phone strong { color: var(--white); letter-spacing: 0.01em; }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px; height: 42px;
  border-radius: 10px;
  border: 1px solid var(--border-hair);
  background: rgba(255,255,255,0.03);
}
.nav-toggle span { width: 18px; height: 2px; background: var(--gold-200); margin: 0 auto; transition: transform 0.25s var(--ease), opacity 0.25s var(--ease); }
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed;
  inset: 0;
  top: 0;
  z-index: 190;
  background: rgba(5,5,5,0.98);
  backdrop-filter: blur(10px);
  display: flex;
  flex-direction: column;
  padding: 100px 28px 40px;
  gap: 8px;
  transform: translateY(-100%);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.4s var(--ease), opacity 0.4s var(--ease), visibility 0.4s;
}
.mobile-menu.open { transform: translateY(0); opacity: 1; visibility: visible; }
.mobile-menu a {
  font-family: var(--font-head);
  font-size: 24px;
  font-weight: 700;
  padding: 14px 0;
  border-bottom: 1px solid var(--grey-700);
}
.mobile-menu .btn { margin-top: 24px; }
.mobile-menu-foot { margin-top: auto; color: var(--muted); font-size: 13px; }
.mobile-menu-foot strong { display:block; color: var(--gold-200); font-size: 15px; margin-bottom: 4px; }

@media (max-width: 980px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
}
@media (min-width: 1240px) {
  .nav-phone { display: block; }
}
@media (max-width: 480px) {
  .nav-cta { gap: 10px; }
  .nav-cta .btn-primary { padding: 10px 14px; font-size: 11px; letter-spacing: 0.02em; min-height: 40px; }
  .brand-word .b1 { font-size: 16px; }
  .brand-word .b2 { font-size: 9px; letter-spacing: 0.26em; }
}

/* ---------------------------------------------------------------- hero */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 140px;
  padding-bottom: 80px;
  overflow: hidden;
  background: var(--black-950);
}
.hero-photo {
  position: absolute; inset: 0;
  z-index: 0;
  background-image: url("../assets/hero-bg.jpg");
  background-size: cover;
  background-position: center 60%;
  opacity: 0.95;
  filter: brightness(0.96) contrast(1.1) saturate(1.08);
}
.hero-bg {
  position: absolute; inset: 0;
  z-index: 0;
  background:
    radial-gradient(ellipse 800px 550px at 85% 10%, rgba(245,166,35,0.14), transparent 62%),
    radial-gradient(ellipse 650px 450px at 8% 92%, rgba(217,119,6,0.09), transparent 60%),
    linear-gradient(92deg, rgba(5,5,5,0.97) 0%, rgba(5,5,5,0.9) 18%, rgba(5,5,5,0.62) 38%, rgba(5,5,5,0.22) 58%, rgba(5,5,5,0.32) 100%);
}
@media (max-width: 900px) {
  .hero-photo { opacity: 0.6; background-position: center 55%; }
  .hero-bg {
    background:
      radial-gradient(ellipse 800px 550px at 85% 10%, rgba(245,166,35,0.14), transparent 62%),
      linear-gradient(180deg, rgba(5,5,5,0.92) 0%, rgba(5,5,5,0.55) 40%, rgba(5,5,5,0.8) 100%);
  }
}
.hero-bg-grid {
  position: absolute; inset: 0; z-index: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse 100% 60% at 50% 0%, black 30%, transparent 85%);
}

.hero .container { position: relative; z-index: 2; }
.hero-inner { max-width: 860px; }
.hero-inner h1 {
  font-size: clamp(34px, 5.6vw, 66px);
  margin-top: 22px;
  text-wrap: balance;
}
.hero-inner h1 .line2 { display: block; }
@media (min-width: 641px) {
  .hero-inner h1 .line2 { white-space: nowrap; }
}
.hero-sub {
  margin-top: 26px;
  font-size: clamp(16px, 1.7vw, 19px);
  color: var(--muted);
  max-width: 54ch;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 40px; }
.hero-reassure {
  margin-top: 22px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  color: var(--muted-dim);
  font-weight: 600;
  letter-spacing: 0.01em;
}
.hero-reassure .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-200); box-shadow: 0 0 10px var(--gold-200); flex-shrink: 0; }

.hero-scroll {
  position: absolute;
  bottom: 28px; left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: var(--muted-dim);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.hero-scroll .line { width: 1px; height: 34px; background: linear-gradient(var(--gold-200), transparent); }

@media (max-width: 640px) {
  .hero { padding-top: 120px; min-height: auto; padding-bottom: 60px; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { width: 100%; }
  .hero-scroll { display: none; }
}

/* ---------------------------------------------------------------- lender strip */
.lender-strip {
  position: relative;
  padding: 0;
  height: 88px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(100deg, #C9860A 0%, #F5A623 22%, #FFD54A 50%, #F5A623 78%, #C9860A 100%);
  border-top: 1px solid rgba(5,5,5,0.22);
  border-bottom: 1px solid rgba(5,5,5,0.22);
}
.lender-strip::before {
  content: "";
  position: absolute; inset: 0;
  background-image: repeating-linear-gradient(115deg, rgba(5,5,5,0.05) 0px, rgba(5,5,5,0.05) 1px, transparent 1px, transparent 26px);
  pointer-events: none;
}
.lender-strip::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(5,5,5,0.18), transparent 8%, transparent 92%, rgba(5,5,5,0.18));
  pointer-events: none;
}
.lender-strip-track {
  display: flex;
  width: max-content;
  animation: lenderScroll 75s linear infinite;
  will-change: transform;
}
.lender-strip:hover .lender-strip-track { animation-play-state: paused; }
.lender-strip-group {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.lender-strip-item {
  height: calc(var(--h, 30) * 1px);
  width: auto;
  max-width: 165px;
  object-fit: contain;
  flex-shrink: 0;
  margin: 0 26px;
  filter: drop-shadow(0 1px 1px rgba(5,5,5,0.12));
}
.lender-strip-sep {
  width: 1px;
  height: 22px;
  background: rgba(5,5,5,0.22);
  flex-shrink: 0;
}
@keyframes lenderScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .lender-strip-track { animation: none; }
  .lender-strip { overflow-x: auto; -webkit-overflow-scrolling: touch; }
}
@media (max-width: 640px) {
  .lender-strip { height: 56px; }
  .lender-strip-item { height: calc(var(--h, 30) * 0.667px); max-width: 112px; margin: 0 16px; }
  .lender-strip-sep { height: 14px; }
  .lender-strip-track { animation-duration: 50s; }
}

/* ---------------------------------------------------------------- trust bar */
.trust-bar {
  border-top: 1px solid var(--border-hair);
  border-bottom: 1px solid var(--border-hair);
  background: linear-gradient(180deg, var(--black-900), var(--black-950));
  padding: 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.trust-item {
  position: relative;
  padding: 44px 24px;
  text-align: center;
}
.trust-item::after {
  content: "";
  position: absolute;
  top: 50%; right: 0; transform: translateY(-50%);
  width: 1px; height: 46%;
  background: linear-gradient(180deg, transparent, var(--border-hair-strong), transparent);
}
.trust-item:last-child::after { display: none; }
.trust-num {
  font-family: var(--font-head);
  font-size: clamp(20px, 2.2vw, 27px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: 0.01em;
  background: var(--gold-text-gradient);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.trust-num--text {
  font-size: clamp(11px, calc(((min(100vw, var(--container-w)) - 48px) / 4 - 48px) / 14.3), 19px);
  line-height: 1.2;
  text-wrap: balance;
  overflow-wrap: break-word;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: calc(clamp(20px, 2.2vw, 27px) * 1.05);
}
.trust-label {
  margin-top: 10px;
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 700;
}
@media (min-width: 769px) and (max-width: 1000px) {
  .trust-item { padding-left: 8px; padding-right: 8px; }
  .trust-num--text { font-size: clamp(11px, calc(((100vw - 48px) / 4 - 16px) / 14.3), 19px); }
}
@media (max-width: 768px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-item { padding: 30px 16px; display: flex; flex-direction: column; justify-content: center; }
  .trust-num--text { font-size: clamp(11px, calc(((100vw - 48px) / 2 - 32px) / 14.3), 19px); }
  .trust-item::after { display: none; }
  .trust-item:nth-child(odd) { position: relative; }
  .trust-item:nth-child(odd)::before {
    content: "";
    position: absolute; top: 12%; right: 0; bottom: 12%;
    width: 1px;
    background: linear-gradient(180deg, transparent, var(--border-hair-strong), transparent);
  }
  .trust-item:nth-child(1), .trust-item:nth-child(2) {
    border-bottom: 1px solid var(--border-hair);
    padding-bottom: 26px;
  }
  .trust-item:nth-child(3), .trust-item:nth-child(4) { padding-top: 26px; }
}

/* ---------------------------------------------------------------- feature strip */
.feature-strip { border-bottom: 1px solid var(--border-hair); }
.feature-checklist {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px 32px;
}
.feature-checklist li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--muted);
  white-space: nowrap;
}
.feature-checklist svg { width: 16px; height: 16px; color: var(--gold-200); flex-shrink: 0; }
@media (max-width: 768px) {
  .feature-checklist { justify-content: flex-start; gap: 12px 22px; }
}

/* ---------------------------------------------------------------- product panels */
.product-panels {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.product-panel {
  display: flex;
  background: var(--black-900);
  border: 1px solid var(--border-hair);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color 0.35s var(--ease), transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.product-panel:hover {
  border-color: var(--border-hair-strong);
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
}

.pp-visual {
  position: relative;
  flex: 0 0 128px;
  background:
    linear-gradient(155deg, rgba(255,213,74,0.10), transparent 60%),
    repeating-linear-gradient(122deg, #111111 0px, #111111 2px, #161616 2px, #161616 34px);
  border-right: 1px solid var(--border-hair);
  display: flex;
  align-items: flex-end;
  padding: 16px;
}
.pp-visual svg {
  position: absolute;
  top: 18px; left: 50%;
  transform: translateX(-50%);
  width: 46px; height: 46px;
  color: var(--gold-200);
  opacity: 0.9;
}
.pp-num {
  font-family: var(--font-head);
  font-size: 34px;
  font-weight: 800;
  color: transparent;
  -webkit-text-stroke: 1px var(--border-hair-strong);
  line-height: 1;
}

.pp-body {
  flex: 1;
  padding: 26px 28px;
  min-width: 0;
}
.pp-body h3 { font-size: 20px; margin-bottom: 8px; }
.pp-tags {
  display: block;
  font-family: var(--font-head);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 12px;
}
.pp-body p { color: var(--muted); font-size: 14.5px; margin-bottom: 14px; }
.pp-body .product-limit { margin-bottom: 14px; }
.pp-body .btn-ghost { display: block; }

@media (max-width: 900px) { .product-panels { grid-template-columns: 1fr; } }
@media (max-width: 560px) {
  .product-panel { flex-direction: column; }
  .pp-visual { flex: none; height: 90px; border-right: none; border-bottom: 1px solid var(--border-hair); padding: 12px 16px; }
  .pp-visual svg { top: 12px; left: 20px; transform: none; width: 34px; height: 34px; }
  .pp-num { font-size: 26px; }
}

/* ---------------------------------------------------------------- lender statement */
.lender-approach-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
}
.lender-lead { color: var(--muted); font-size: 17px; margin-top: 20px; max-width: 46ch; }
.lender-aside {
  margin-top: 20px;
  padding-left: 16px;
  border-left: 2px solid var(--border-hair-strong);
  color: var(--muted-dim);
  font-size: 13.5px;
  max-width: 42ch;
}
.benefit-rows li {
  display: flex; align-items: center; gap: 16px;
  font-family: var(--font-head);
  font-size: clamp(18px, 2vw, 23px);
  font-weight: 700;
  color: var(--white);
  padding: 18px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.benefit-rows li:first-child { border-top: none; }
.br-icon {
  flex-shrink: 0;
  width: 30px; height: 30px;
  border-radius: 50%;
  background: rgba(255,213,74,0.1);
  border: 1px solid var(--border-hair-strong);
  display: flex; align-items: center; justify-content: center;
}
.br-icon svg { width: 15px; height: 15px; color: var(--gold-200); }

@media (max-width: 900px) {
  .lender-approach-grid { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------------------------------------------------------------- blaze signature */
.signature {
  position: relative;
  padding: 120px 0;
  text-align: center;
  background: var(--black-900);
  border-top: 1px solid var(--border-hair);
  border-bottom: 1px solid var(--border-hair);
  overflow: hidden;
}
.signature-curve { position: absolute; top: -1px; left: 0; width: 100%; height: 90px; opacity: 0.7; }
.signature-curve svg { width: 100%; height: 100%; display: block; }
.signature-inner { display: flex; flex-direction: column; align-items: center; position: relative; z-index: 1; }
.signature-line {
  font-size: clamp(38px, 7vw, 84px);
  line-height: 0.98;
  text-align: center;
}
.signature-mark { display: block; width: 130px; margin: 6px 0; }
.signature-mark svg { width: 100%; height: auto; }
.signature-copy {
  position: relative; z-index: 1;
  color: var(--muted);
  font-size: 17px;
  max-width: 58ch;
  margin: 44px auto 0;
}
.signature-cta { position: relative; z-index: 1; margin-top: 36px; }

@media (max-width: 640px) {
  .signature { padding: 84px 0; }
  .signature-mark { width: 90px; }
  .signature-copy { margin-top: 32px; }
}

/* ---------------------------------------------------------------- how it works */
.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 4px;
  position: relative;
}
.timeline-5col { grid-template-columns: repeat(5, 1fr); }
.timeline-curve {
  position: absolute;
  top: 0; left: 6%;
  width: 88%; height: 54px;
  overflow: visible;
}
@media (max-width: 900px) { .timeline-curve { display: none; } }
.tl-step { position: relative; padding: 0 20px; }
.tl-num {
  width: 54px; height: 54px;
  border-radius: 50%;
  background: var(--black-900);
  border: 1.5px solid var(--border-hair-strong);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 800; font-size: 18px;
  background-clip: padding-box;
  position: relative; z-index: 1;
  color: var(--gold-200);
  margin-bottom: 24px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.tl-step:hover .tl-num { transform: scale(1.08); box-shadow: 0 0 0 6px rgba(255,213,74,0.08); }
.tl-step h3 { font-size: 18px; margin-bottom: 10px; }
.tl-step p { color: var(--muted); font-size: 14.5px; }

@media (max-width: 900px) {
  .timeline { grid-template-columns: 1fr; gap: 0; }
  .timeline::before {
    content: "";
    position: absolute;
    top: 0; bottom: 0; left: 26px;
    width: 1px;
    background: linear-gradient(180deg, transparent, var(--border-hair-strong) 10%, var(--border-hair-strong) 90%, transparent);
  }
  .tl-step { padding: 0 0 40px 20px; display: flex; flex-direction: column; }
  .tl-step:last-child { padding-bottom: 0; }
}

/* ---------------------------------------------------------------- calculator */
.calc-panel {
  background: linear-gradient(160deg, var(--grey-800), var(--black-900) 60%);
  border: 1px solid var(--border-hair);
  border-radius: 28px;
  padding: 44px;
  box-shadow: var(--shadow-card);
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
}
.calc-panel.console { position: relative; border-top: 1px solid var(--border-hair-strong); }
.calc-panel.console::before {
  content: "";
  position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: var(--gold-gradient);
}

.calc-field { margin-bottom: 26px; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 12px;
}
.calc-field label .calc-val { color: var(--gold-200); font-family: var(--font-head); font-size: 16px; text-transform: none; letter-spacing: 0; }

.console-row { padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,0.07); }
.console-row:first-child { padding-top: 0; }
.console-row label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-family: var(--font-head);
  font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 14px;
}
.console-row label .calc-val {
  color: var(--gold-200);
  font-family: var(--font-head);
  font-size: 19px;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  text-transform: none;
  letter-spacing: 0;
}
.console-row input[type="range"] { margin-top: 0; }

/* ---------------------------------------------------------------- enquiry form */
.text-input {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border-hair);
  border-radius: 12px;
  padding: 14px 16px;
  color: var(--white);
  font-family: var(--font-body);
  font-size: 15px;
  width: 100%;
  transition: border-color 0.2s var(--ease);
}
.text-input:focus { outline: none; border-color: var(--gold-200); }
select.text-input { background: rgba(20,20,20,0.9); appearance: none; }
textarea.text-input { resize: vertical; }

.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-row-2 { grid-template-columns: 1fr; } }

.form-section {
  border: none;
  padding: 0;
  margin: 0 0 26px;
}
.form-section legend {
  padding: 0;
  font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 14px;
  width: 100%;
}

.choice-input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.choice-chip {
  display: inline-flex; align-items: center;
  padding: 11px 16px;
  border-radius: 999px;
  border: 1px solid var(--border-hair);
  background: rgba(255,255,255,0.02);
  font-size: 13.5px; font-weight: 600; color: var(--muted);
  cursor: pointer;
  transition: border-color 0.2s var(--ease), color 0.2s var(--ease), background 0.2s var(--ease);
}
.choice-chip-wide { border-color: var(--border-hair-strong); }
.choice-input:checked + .choice-chip {
  background: var(--gold-gradient);
  color: var(--black-950);
  border-color: transparent;
  font-weight: 700;
}
.choice-input:focus-visible + .choice-chip { outline: 2px solid var(--gold-200); outline-offset: 2px; }
.choice-chip:hover { border-color: var(--border-hair-strong); color: var(--off-white); }

.pill-group { display: flex; gap: 10px; }
.pill-choice {
  flex: 1; text-align: center;
  padding: 12px 10px;
  border-radius: 10px;
  border: 1px solid var(--border-hair);
  background: rgba(255,255,255,0.02);
  font-size: 13.5px; font-weight: 700; color: var(--muted);
  cursor: pointer;
  transition: border-color 0.2s var(--ease), color 0.2s var(--ease), background 0.2s var(--ease);
}
.choice-input:checked + .pill-choice {
  background: var(--gold-gradient);
  color: var(--black-950);
  border-color: transparent;
}
.choice-input:focus-visible + .pill-choice { outline: 2px solid var(--gold-200); outline-offset: 2px; }

.calc-input-row { display: flex; align-items: center; gap: 14px; }
.calc-input-row input[type="number"] {
  flex: 1;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border-hair);
  border-radius: 12px;
  padding: 14px 16px;
  color: var(--white);
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  width: 100%;
  transition: border-color 0.2s var(--ease);
}
.calc-input-row input[type="number"]:focus { outline: none; border-color: var(--gold-200); }

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 4px;
  background: var(--grey-600);
  margin-top: 14px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold-gradient);
  border: 2px solid var(--black-950);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(217,119,6,0.5);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold-gradient);
  border: 2px solid var(--black-950);
  cursor: pointer;
}

.freq-toggle { display: flex; gap: 8px; background: rgba(255,255,255,0.03); padding: 5px; border-radius: 12px; border: 1px solid var(--border-hair); }
.freq-toggle button {
  flex: 1; padding: 11px 10px; border-radius: 9px;
  font-size: 13px; font-weight: 700; color: var(--muted);
  transition: background 0.25s var(--ease), color 0.25s var(--ease);
}
.freq-toggle button.active { background: var(--gold-gradient); color: var(--black-950); }

.calc-results {
  background: rgba(0,0,0,0.35);
  border: 1px solid var(--border-hair);
  border-radius: 20px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.calc-hero-result { text-align: center; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,0.08); margin-bottom: 22px; }
.calc-hero-result .label { font-size: 12.5px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.calc-hero-result .amount { font-family: var(--font-head); font-size: clamp(38px, 4vw, 50px); font-weight: 800; margin-top: 10px; background: var(--gold-text-gradient); -webkit-background-clip: text; background-clip: text; color: transparent; }
.calc-hero-result .freq-label { color: var(--muted); font-size: 14px; margin-top: 4px; }

.calc-sub-results { display: flex; flex-direction: column; gap: 14px; margin-bottom: 24px; }
.calc-sub-results .row { display: flex; justify-content: space-between; align-items: baseline; font-size: 14.5px; }
.calc-sub-results .row span:first-child { color: var(--muted); }
.calc-sub-results .row span:last-child { font-family: var(--font-head); font-weight: 700; color: var(--white); font-size: 17px; }

.calc-disclaimer {
  font-size: 12px; color: var(--muted-dim); line-height: 1.6;
  margin-top: 20px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.06);
}

/* ---- enquiry form: success / error states ---- */
.enquiry-success p { color: var(--muted); font-size: 14.5px; line-height: 1.7; margin-top: 6px; }
.form-error {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 12px;
  border: 1px solid rgba(245,166,35,0.35);
  background: rgba(245,166,35,0.08);
  color: var(--gold-100);
  font-size: 13.5px;
  line-height: 1.5;
}
.btn[disabled] { opacity: 0.65; cursor: not-allowed; }
.visually-hidden-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

@media (max-width: 980px) {
  .calc-panel { grid-template-columns: 1fr; padding: 28px; gap: 32px; border-radius: 22px; }
}
@media (max-width: 480px) {
  .calc-panel { padding: 22px 18px; }
}

/* ---------------------------------------------------------------- why blaze */
.pillar-list { border-top: 1px solid var(--border-hair); }
.pillar-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  padding: 34px 4px;
  border-bottom: 1px solid var(--border-hair);
  transition: padding-left 0.3s var(--ease);
}
.pillar-row:hover { padding-left: 14px; }
.pillar-title {
  font-family: var(--font-head);
  font-size: clamp(24px, 3.4vw, 38px);
  font-weight: 800;
  line-height: 1.05;
  color: var(--white);
}
.pillar-row:hover .pillar-title {
  background: var(--gold-text-gradient);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.pillar-desc { color: var(--muted); font-size: 15px; max-width: 44ch; }

@media (max-width: 700px) {
  .pillar-row { grid-template-columns: 1fr; gap: 10px; padding: 26px 4px; }
  .pillar-row:hover { padding-left: 4px; }
}

/* ---------------------------------------------------------------- visual CTA break */
.visual-cta {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: center;
  overflow: hidden;
  border-top: 1px solid var(--border-hair);
  border-bottom: 1px solid var(--border-hair);
}
.visual-cta-bg {
  position: absolute; inset: 0;
  background:
    linear-gradient(100deg, rgba(5,5,5,0.96) 20%, rgba(5,5,5,0.55) 55%, rgba(5,5,5,0.15) 100%),
    radial-gradient(ellipse 800px 500px at 80% 50%, rgba(245,166,35,0.14), transparent 65%),
    repeating-linear-gradient(115deg, #0c0c0c 0px, #0c0c0c 2px, #131313 2px, #131313 90px);
}
.visual-cta-content { position: relative; z-index: 1; max-width: 620px; }
.visual-cta h2 { font-size: clamp(30px, 4.4vw, 50px); margin-top: 16px; }
.visual-cta p { color: var(--muted); font-size: 17px; margin-top: 18px; max-width: 48ch; }
.visual-cta .btn { margin-top: 32px; }

@media (max-width: 640px) {
  .visual-cta { min-height: 460px; }
  .visual-cta-bg { background: linear-gradient(180deg, rgba(5,5,5,0.85), rgba(5,5,5,0.96)), radial-gradient(ellipse 600px 400px at 50% 20%, rgba(245,166,35,0.14), transparent 65%), repeating-linear-gradient(115deg, #0c0c0c 0px, #0c0c0c 2px, #131313 2px, #131313 90px); }
}

/* ---------------------------------------------------------------- referral partners */
.partners-section {
  background: linear-gradient(180deg, var(--black-900), var(--black-950));
  border-top: 1px solid var(--border-hair);
  border-bottom: 1px solid var(--border-hair);
}
.partners-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.partners-subhead {
  font-family: var(--font-head);
  font-size: clamp(18px, 2vw, 22px);
  font-weight: 800;
  color: var(--white);
  margin-top: 18px;
  line-height: 1.25;
}
.partner-types {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 28px;
}
.partner-chip {
  display: flex; align-items: center; gap: 10px;
  padding: 14px 16px;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border-hair);
  border-radius: 12px;
  font-size: 13.5px; font-weight: 600;
  transition: border-color 0.25s var(--ease), transform 0.25s var(--ease);
}
.partner-chip:hover { border-color: var(--border-hair-strong); transform: translateY(-2px); }
.partner-chip svg { width: 16px; height: 16px; color: var(--gold-200); flex-shrink: 0; }

.partner-note {
  margin: 24px 0 8px;
  padding: 18px 22px;
  border-left: 2px solid var(--border-hair-strong);
  background: rgba(255,213,74,0.04);
}
.partner-note p {
  font-family: var(--font-head);
  font-size: 15.5px;
  font-weight: 700;
  color: var(--gold-200);
}
.compliance-note { display: block; font-size: 12px; color: var(--muted-dim); max-width: 46ch; margin-top: 8px; }

.partners-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }

.partner-process { display: flex; flex-direction: column; gap: 0; }
.pp-step { display: flex; gap: 18px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,0.07); }
.pp-step:first-child { border-top: none; padding-top: 0; }
.pp-num {
  flex-shrink: 0; width: 40px; height: 40px; border-radius: 50%;
  border: 1.5px solid var(--border-hair-strong);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 800; color: var(--gold-200); font-size: 15px;
}
.pp-step h4 { font-size: 16px; margin-bottom: 4px; }
.pp-step p { font-size: 14px; color: var(--muted); }

@media (max-width: 900px) {
  .partners-grid { grid-template-columns: 1fr; gap: 40px; }
  .partner-types { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .partner-types { grid-template-columns: 1fr; }
}

/* ---------------------------------------------------------------- experience / reviews */
.experience-section { border-top: 1px solid var(--border-hair); border-bottom: 1px solid var(--border-hair); }
.experience-inner { max-width: 620px; margin: 0 auto; text-align: center; }
.experience-inner h2 { font-size: clamp(26px, 3.6vw, 38px); margin-top: 14px; }
.experience-inner p { color: var(--muted); font-size: 16px; margin: 18px 0 30px; }

/* ---------------------------------------------------------------- FAQ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border-hair);
}
.faq-item:first-child { border-top: 1px solid var(--border-hair); }
.faq-q {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 24px 4px;
  text-align: left;
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
}
.faq-q .plus {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1px solid var(--border-hair-strong);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.faq-q .plus::before, .faq-q .plus::after {
  content: ""; position: absolute; background: var(--gold-200);
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease);
}
.faq-q .plus::before { width: 10px; height: 1.5px; }
.faq-q .plus::after { width: 1.5px; height: 10px; }
.faq-item.open .faq-q .plus::after { transform: rotate(90deg); opacity: 0; }
.faq-item.open .faq-q { color: var(--gold-200); }

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s var(--ease);
}
.faq-a-inner { padding: 0 4px 24px; color: var(--muted); font-size: 15px; max-width: 68ch; }

/* ---------------------------------------------------------------- final CTA */
.final-cta {
  position: relative;
  text-align: center;
  padding: 110px 0;
  background: radial-gradient(ellipse 900px 500px at 50% 0%, rgba(245,166,35,0.16), transparent 65%), var(--black-950);
  border-top: 1px solid var(--border-hair);
  overflow: hidden;
}
.final-cta::before {
  content: "";
  position: absolute; left: 50%; top: -40%; transform: translateX(-50%);
  width: 900px; height: 900px;
  background: radial-gradient(circle, rgba(217,119,6,0.14), transparent 60%);
  pointer-events: none;
}
.final-cta-curve { z-index: 0; opacity: 0.6; }
.final-cta .container { position: relative; z-index: 1; }
.final-cta h2 { font-size: clamp(34px, 6vw, 64px); }
.final-cta p { color: var(--muted); font-size: 17.5px; margin: 20px auto 0; max-width: 52ch; }
.final-cta-ctas { display: flex; gap: 18px; justify-content: center; margin-top: 42px; flex-wrap: wrap; }

@media (max-width: 640px) {
  .final-cta { padding: 76px 0; }
  .final-cta-ctas { flex-direction: column; align-items: stretch; }
  .final-cta-ctas .btn { width: 100%; }
}

/* ---------------------------------------------------------------- lender panel */
.lender-panel {
  background: var(--black-900);
  border-top: 1px solid var(--border-hair);
  border-bottom: 1px solid var(--border-hair);
}
.lender-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.lender-chip {
  padding: 14px 20px;
  border: 1px solid var(--border-hair);
  border-radius: 10px;
  background: rgba(255,255,255,0.02);
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: var(--off-white);
  letter-spacing: 0.01em;
  transition: border-color 0.25s var(--ease), transform 0.25s var(--ease), color 0.25s var(--ease);
}
.lender-chip:hover { border-color: var(--border-hair-strong); color: var(--gold-200); transform: translateY(-2px); }
.lender-note { margin-top: 28px; color: var(--muted-dim); font-size: 12.5px; max-width: 60ch; }

/* ---------------------------------------------------------------- finance detail page shared blocks */
.uses-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.uses-item {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 18px;
  border: 1px solid var(--border-hair);
  border-radius: 12px;
  background: rgba(255,255,255,0.02);
  font-size: 14.5px; font-weight: 600; color: var(--off-white);
}
.uses-item svg { flex-shrink: 0; width: 18px; height: 18px; color: var(--gold-200); }
@media (max-width: 900px) { .uses-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .uses-grid { grid-template-columns: 1fr; } }

.why-use-box {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
  padding: 36px 40px;
  border: 1px solid var(--border-hair);
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--grey-800), var(--black-900));
}
.why-use-box p { color: var(--off-white); font-size: 16.5px; line-height: 1.7; }
.why-use-box p + p { margin-top: 14px; color: var(--muted); font-size: 13.5px; }

/* ---------------------------------------------------------------- footer */
.footer { background: var(--black-900); border-top: 1px solid var(--border-hair); padding: 72px 0 28px; }
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--grey-700);
}
.footer-brand .brand { margin-bottom: 14px; }
.footer-tagline { font-family: var(--font-head); font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-200); opacity: 0.8; margin-bottom: 14px !important; }
.footer-brand p { color: var(--muted); font-size: 14px; max-width: 32ch; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 10px;
  border: 1px solid var(--border-hair);
  display: flex; align-items: center; justify-content: center;
  transition: border-color 0.25s var(--ease), transform 0.25s var(--ease);
}
.footer-social a:hover { border-color: var(--gold-200); transform: translateY(-2px); }
.footer-social svg { width: 16px; height: 16px; color: var(--gold-200); }

.footer-col h4 { font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--white); margin-bottom: 20px; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col a { font-size: 14px; color: var(--muted); transition: color 0.2s var(--ease); }
.footer-col a:hover { color: var(--gold-200); }

.footer-legal {
  padding-top: 28px;
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 20px;
  font-size: 12.5px; color: var(--muted-dim);
}
.footer-legal-links { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-legal-links a { color: var(--muted-dim); }
.footer-legal-links a:hover { color: var(--gold-200); }
.footer-disclaimer {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--grey-700);
  font-size: 12px;
  line-height: 1.7;
  color: var(--muted-dim);
}
.footer-disclaimer strong { color: var(--muted); }

@media (max-width: 980px) {
  .footer-top { grid-template-columns: 1fr 1fr; row-gap: 36px; }
}
@media (max-width: 560px) {
  .footer-top { grid-template-columns: 1fr; }
  .footer-legal { flex-direction: column; }
}

/* ---------------------------------------------------------------- misc / legal pages */
.page-hero {
  padding: 160px 0 60px;
  border-bottom: 1px solid var(--border-hair);
  background: radial-gradient(ellipse 700px 400px at 80% 0%, rgba(245,166,35,0.10), transparent 60%);
}
.page-hero h1 { font-size: clamp(30px, 5vw, 48px); margin-top: 16px; }
.page-hero p { color: var(--muted); margin-top: 16px; max-width: 60ch; }
.legal-content { padding: 64px 0 100px; max-width: 780px; }
.legal-content h2 { font-size: 22px; margin: 40px 0 14px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--muted); font-size: 15.5px; margin-bottom: 14px; }
.legal-content ul { padding-left: 20px; list-style: disc; }
.legal-content strong { color: var(--off-white); }
.config-flag {
  display: inline-block;
  background: rgba(245,166,35,0.12);
  border: 1px solid var(--border-hair-strong);
  color: var(--gold-200);
  padding: 2px 8px;
  border-radius: 6px;
  font-size: 0.9em;
  font-weight: 700;
}

.simple-page-cta {
  display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: space-between;
  background: linear-gradient(150deg, var(--grey-800), var(--black-900));
  border: 1px solid var(--border-hair);
  border-radius: var(--radius-lg);
  padding: 32px 36px;
  margin: 48px 0;
}
.simple-page-cta h3 { font-size: 20px; margin-bottom: 6px; }
.simple-page-cta p { color: var(--muted); font-size: 14.5px; margin: 0; }

.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 20px; }
.contact-grid-wide { grid-template-columns: 0.8fr 1.2fr; }
@media (max-width: 800px) { .contact-grid-wide { grid-template-columns: 1fr; } }
.contact-card {
  background: var(--black-900); border: 1px solid var(--border-hair); border-radius: var(--radius-lg);
  padding: 30px;
}
.contact-card h3 { font-size: 15px; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; color: var(--gold-200); }
.contact-card a, .contact-card p { display: block; color: var(--off-white); font-size: 16px; margin-bottom: 10px; }
.contact-card .muted { color: var(--muted); font-size: 14px; }

.badge-tag {
  display: inline-block;
  font-size: 10.5px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold-400);
  background: rgba(245,166,35,0.1);
  border: 1px solid var(--border-hair);
  padding: 5px 10px; border-radius: 999px;
}
.avatar-circle {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--gold-gradient);
  color: var(--black-950);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-size: 22px; font-weight: 800;
  margin-bottom: 18px;
}

/* ---- profile portrait photo (About page principal-broker card) ---- */
.profile-portrait {
  width: 232px;
  max-width: 100%;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 2px solid var(--gold-400);
  box-shadow: 0 0 0 4px rgba(245,166,35,0.09), 0 16px 34px -14px rgba(245,166,35,0.35), 0 10px 26px rgba(0,0,0,0.45);
  margin-bottom: 20px;
}
.profile-portrait img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 32%; display: block; }

@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }

.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 999;
  background: var(--gold-200); color: var(--black-950); padding: 12px 18px; font-weight: 700; border-radius: 0 0 10px 0;
}
.skip-link:focus { left: 0; }

::selection { background: var(--gold-400); color: var(--black-950); }

:focus-visible { outline: 2px solid var(--gold-200); outline-offset: 3px; }

/* ---------------------------------------------------------------- very small phones (<=360px)
   Keeps the header inside the screen and stops long headline words causing sideways scroll. */
@media (max-width: 360px) {
  .navbar .container { gap: 12px; }
  .brand { gap: 7px; }
  .brand-emblem { width: 28px; }
  .brand-word .b1 { font-size: 14px; }
  .brand-word .b2 { font-size: 8px; letter-spacing: 0.22em; }
  .nav-cta { gap: 8px; }
  .nav-cta .btn-primary { padding: 9px 10px; font-size: 10px; min-height: 38px; }
  .nav-toggle { width: 38px; height: 38px; }
  .page-hero h1 { font-size: clamp(24px, 7.6vw, 30px); }
}