/* ============ Finance Capital Route — shared styles ============ */
:root{
  --paper:#f5efe3; --card:#fffdf6; --ink:#182620;
  --pine:#0e3b2d; --pine-2:#0a2b21; --leaf:#1e6f50;
  --gold:#c9973b; --gold-soft:#f0dfb4; --line:#e0d5bd;
  --err:#b3402f; --ok:#1e6f50;
  --disp:"Fraunces",Georgia,serif; --body:"Outfit",system-ui,sans-serif;
  --rad:14px; --shadow:0 14px 34px -18px rgba(14,59,45,.35);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--body);color:var(--ink);background:var(--paper);
  background-image:radial-gradient(rgba(14,59,45,.055) 1px,transparent 1px);
  background-size:26px 26px;line-height:1.6;
}
img{max-width:100%}
a{color:inherit;text-decoration:none}
.wrap{width:min(1180px,92%);margin:0 auto}
section{scroll-margin-top:96px}
h1,h2,h3,h4{font-family:var(--disp);font-weight:600;line-height:1.15;color:var(--pine)}
.kicker{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;letter-spacing:.22em;
  text-transform:uppercase;font-weight:600;color:var(--leaf)}
.kicker::before{content:"";width:26px;height:2px;background:var(--gold)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:999px;
  font-weight:600;font-size:.95rem;border:1.5px solid transparent;cursor:pointer;
  transition:transform .25s,box-shadow .25s,background .25s}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:#231a06;box-shadow:0 10px 22px -12px rgba(201,151,59,.8)}
.btn-gold:hover{background:#d8a94e}
.btn-ghost{border-color:var(--pine);color:var(--pine)}
.btn-ghost:hover{background:var(--pine);color:var(--paper)}
.btn-light{border-color:rgba(245,239,227,.5);color:var(--paper)}
.btn-light:hover{background:rgba(245,239,227,.12)}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:60;background:var(--pine);
  border-bottom:3px solid var(--gold);box-shadow:0 8px 24px -14px rgba(0,0,0,.5)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.brand{display:flex;align-items:center;gap:10px;color:var(--paper)}
.brand-mark{font-size:1.5rem;filter:drop-shadow(0 3px 6px rgba(0,0,0,.35))}
.brand-name{font-family:var(--disp);font-size:1.3rem;letter-spacing:.02em}
.brand-name em{color:var(--gold);font-style:normal}
.nav{display:flex;align-items:center;gap:26px}
.nav-link{color:#e9e2d0;font-weight:500;font-size:.95rem;position:relative;padding:4px 0}
.nav-link::after{content:"";position:absolute;left:0;bottom:-4px;height:2px;width:0;
  background:var(--gold);transition:width .3s}
.nav-link:hover::after,.nav-link.active::after{width:100%}
.nav-link.active{color:#fff}
.head-cta{padding:10px 20px}
.burger{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px;padding:6px}
.burger span{width:24px;height:2px;background:var(--paper);transition:.3s}

/* ---------- page hero ---------- */
.page-hero{background:linear-gradient(160deg,var(--pine) 0%,var(--pine-2) 100%);
  color:var(--paper);padding:72px 0 64px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:340px;height:340px;
  border-radius:50%;border:36px solid rgba(201,151,59,.16)}
.page-hero h1{color:var(--paper);font-size:clamp(2rem,4.4vw,3.2rem);max-width:760px;margin:14px 0 12px}
.page-hero p{max-width:680px;color:#d9d2bd}
.page-hero .kicker{color:var(--gold)}
.page-hero .kicker::before{background:var(--gold)}

/* ---------- home hero ---------- */
.hero{background:linear-gradient(155deg,var(--pine) 0%,var(--pine-2) 70%);color:var(--paper);
  padding:84px 0 96px;position:relative;overflow:hidden}
.hero::before{content:"💳 📈 🏦 🛡️ 🪙 🔑";position:absolute;top:26px;right:4%;font-size:1.3rem;
  opacity:.5;letter-spacing:.5em}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero .kicker{color:var(--gold)}
.hero h1{color:var(--paper);font-size:clamp(2.3rem,5vw,3.6rem);margin:16px 0 18px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{color:#d9d2bd;max-width:560px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.badge-row{display:inline-block;margin-top:20px;font-size:.72rem;letter-spacing:.2em;
  color:var(--gold-soft);border:1px solid rgba(201,151,59,.45);padding:7px 16px;border-radius:999px}
.hero-panel{background:rgba(245,239,227,.06);border:1px solid rgba(201,151,59,.35);
  border-radius:var(--rad);padding:26px;backdrop-filter:blur(4px)}
.portfolio-label{font-size:.75rem;letter-spacing:.2em;color:var(--gold);text-transform:uppercase}
.portfolio-num{font-family:var(--disp);font-size:2.4rem;color:var(--paper);margin:4px 0 16px}
.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.mini-stat{background:rgba(10,43,33,.6);border:1px solid rgba(245,239,227,.12);
  border-radius:10px;padding:12px;text-align:center}
.mini-stat b{display:block;color:var(--gold);font-size:1.15rem;font-family:var(--disp)}
.mini-stat span{font-size:.72rem;color:#cfc8b3;letter-spacing:.08em;text-transform:uppercase}
.live-chips{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.chip{font-size:.75rem;background:rgba(30,111,80,.35);border:1px solid rgba(30,111,80,.7);
  color:#d9efe4;padding:6px 12px;border-radius:999px}
.stats-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:40px}
.stat-cell{border-left:3px solid var(--gold);padding:6px 0 6px 16px}
.stat-cell b{font-family:var(--disp);font-size:2.1rem;color:var(--paper);display:block}
.stat-cell span{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:#cfc8b3}

/* ---------- ticker ---------- */
.ticker{background:var(--pine-2);border-block:1px solid rgba(201,151,59,.4);overflow:hidden;padding:13px 0}
.ticker-track{display:flex;gap:44px;width:max-content;animation:tick 30s linear infinite}
.ticker-track span{color:var(--gold-soft);font-size:.9rem;letter-spacing:.06em;white-space:nowrap}
@keyframes tick{to{transform:translateX(-50%)}}

/* ---------- generic sections ---------- */
.section{padding:84px 0}
.section.alt{background:var(--card);border-block:1px solid var(--line)}
.sec-head{max-width:720px;margin-bottom:44px}
.sec-head h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin:12px 0 10px}
.sec-head p{color:#4c5a52}

/* cards */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);
  padding:26px;position:relative;overflow:hidden;transition:transform .3s,box-shadow .3s}
.card::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:var(--gold);
  transform:scaleX(0);transform-origin:left;transition:transform .35s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.card:hover::before{transform:scaleX(1)}
.card .ico{font-size:1.9rem;display:inline-block;margin-bottom:12px}
.card h3{font-size:1.15rem;margin-bottom:8px}
.card p{font-size:.93rem;color:#43524a}
.card ul{list-style:none;margin-top:12px}
.card ul li{font-size:.88rem;color:var(--leaf);font-weight:600;padding:3px 0}
.section.dark{background:var(--pine);color:#e9e2d0}
.section.dark .card{background:rgba(245,239,227,.05);border-color:rgba(245,239,227,.14)}
.section.dark .card h3{color:var(--paper)}
.section.dark .card p{color:#c9c2ac}
.section.dark .sec-head h2{color:var(--paper)}
.section.dark .sec-head p{color:#c9c2ac}

/* ---------- services page ---------- */
.svc-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.svc-nav a{background:rgba(245,239,227,.08);border:1px solid rgba(201,151,59,.4);
  color:var(--gold-soft);padding:9px 16px;border-radius:999px;font-size:.85rem;transition:.25s}
.svc-nav a:hover{background:var(--gold);color:#231a06}
.vertical{padding:70px 0;border-bottom:1px solid var(--line)}
.vertical:last-of-type{border-bottom:0}
.v-head{display:flex;gap:22px;align-items:flex-start;margin-bottom:36px}
.v-num{font-family:var(--disp);font-size:2.6rem;color:var(--gold);line-height:1}
.v-head h2{font-size:clamp(1.5rem,3vw,2.1rem)}
.v-head .v-tag{font-size:.75rem;letter-spacing:.2em;text-transform:uppercase;color:var(--leaf);font-weight:600}
.v-head p{margin-top:10px;color:#4c5a52;max-width:820px}
.v-meta{margin-left:auto;white-space:nowrap;background:var(--gold-soft);color:#5c4713;
  font-size:.78rem;font-weight:700;padding:8px 14px;border-radius:999px}
.steps .card{counter-reset:st}
.steps .card::after{content:counter(st,decimal-leading-zero);counter-increment:st;
  position:absolute;top:16px;right:18px;font-family:var(--disp);color:var(--gold);font-size:1.1rem}
.debt-facts{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:30px}
.fact{background:var(--pine);color:var(--paper);border-radius:var(--rad);padding:18px 24px;flex:1;min-width:220px}
.fact b{font-family:var(--disp);font-size:1.5rem;color:var(--gold);display:block}
.fact span{font-size:.8rem;color:#cfc8b3}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.info-card{display:flex;gap:14px;align-items:flex-start;background:var(--card);
  border:1px solid var(--line);border-radius:var(--rad);padding:20px;margin-bottom:16px}
.info-card .ico{font-size:1.5rem}
.info-card h4{font-size:1rem}
.info-card p{font-size:.92rem;color:#4c5a52}
.form-card{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);
  border-radius:var(--rad);padding:34px;box-shadow:var(--shadow)}
.form-card h3{margin-bottom:6px}
.form-note{font-size:.88rem;color:#4c5a52;margin-bottom:20px}
.field{margin-bottom:18px}
.field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px;color:var(--pine)}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);
  border-radius:10px;background:#fffef9;font-family:var(--body);font-size:.95rem;color:var(--ink);
  transition:border .25s,box-shadow .25s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--leaf);
  box-shadow:0 0 0 3px rgba(30,111,80,.15)}
.field textarea{min-height:120px;resize:vertical}
.fine{font-size:.8rem;color:#6b7a71;margin-top:12px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:#43524a}
.check input{width:18px;height:18px;margin-top:3px;accent-color:var(--leaf)}

/* ---------- FAQ ---------- */
.faq-item{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;font-family:var(--body);
  font-weight:600;font-size:1rem;color:var(--pine);padding:18px 22px;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq-q .pm{color:var(--gold);font-size:1.3rem;transition:transform .3s}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-a p{padding:0 22px 18px;font-size:.93rem;color:#4c5a52}
.faq-item.open .faq-a{max-height:300px}
.faq-item.open .pm{transform:rotate(45deg)}

/* ---------- legal pages ---------- */
.legal{max-width:860px;margin:0 auto}
.legal article{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);
  padding:28px 30px;margin-bottom:18px}
.legal h3{font-size:1.05rem;margin-bottom:10px}
.legal h3 span{color:var(--gold);margin-right:8px}
.legal p{font-size:.93rem;color:#43524a}

/* ---------- footer ---------- */
.site-foot{background:var(--pine-2);color:#cfc8b3;margin-top:0}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px;padding:64px 0 44px}
.foot-brand .brand{margin-bottom:14px}
.foot-brand p{font-size:.9rem;max-width:300px}
.site-foot h5{font-family:var(--disp);color:var(--paper);font-size:1rem;margin-bottom:14px}
.site-foot ul{list-style:none}
.site-foot ul a{display:block;padding:5px 0;font-size:.9rem;transition:color .2s,padding-left .2s}
.site-foot ul a:hover{color:var(--gold);padding-left:5px}
.foot-bar{border-top:1px solid rgba(245,239,227,.12);padding:20px 0;display:flex;
  justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem}
.foot-bar a:hover{color:var(--gold)}

/* ---------- toast ---------- */
.toast-rack{position:fixed;bottom:22px;right:22px;z-index:99;display:flex;flex-direction:column;gap:12px;max-width:380px}
.toast{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);
  border-left:5px solid var(--ok);border-radius:12px;padding:14px 16px;box-shadow:0 18px 40px -18px rgba(0,0,0,.35);
  opacity:0;transform:translateX(30px);transition:opacity .35s,transform .35s}
.toast.show{opacity:1;transform:translateX(0)}
.toast.t-err{border-left-color:var(--err)}
.toast.t-info{border-left-color:var(--gold)}
.t-ico{font-size:1.25rem;line-height:1.2}
.t-body strong{display:block;font-size:.92rem;color:var(--pine);margin-bottom:2px}
.t-body span{font-size:.84rem;color:#4c5a52}
.t-x{margin-left:auto;background:none;border:0;font-size:1.1rem;color:#9aa79f;cursor:pointer}

/* ---------- reveal ---------- */
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media(max-width:980px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .hero-grid,.contact-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .nav{position:fixed;inset:60px 0 auto 0;background:var(--pine-2);flex-direction:column;
    padding:26px;gap:18px;transform:translateY(-140%);transition:transform .35s;z-index:55}
  .nav.open{transform:none}
  .burger{display:flex}
  .g2,.g3,.g4,.stats-strip,.mini-stats{grid-template-columns:1fr}
  .v-meta{display:none}
  .foot-grid{grid-template-columns:1fr}
  .toast-rack{left:16px;right:16px;max-width:none}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .rv{opacity:1;transform:none}
  html{scroll-behavior:auto}
}