:root {
  --ink: #14304a;        /* Gulf navy */
  --ink-2: #0e2438;
  --gold: #c49a2c;       /* feather gold */
  --gold-soft: #f3e7c6;
  --gold-bright: #f2c75c; /* logo gold, for navy backgrounds */
  --mangrove: #2f5d50;
  --paper: #fbfbf8;
  --mist: #e8eff1;
  --text: #1c2630;
  --muted: #53616d;
  --line: #d5dde2;
  --serif: "Newsreader", Georgia, serif;
  --sans: "Public Sans", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 76px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font: 400 17px/1.6 var(--sans);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }

h1, h2, h3 { font-family: var(--serif); font-weight: 600; color: var(--ink); line-height: 1.15; margin: 0; }
h1 { font-size: clamp(2.4rem, 5.4vw, 4rem); letter-spacing: -0.015em; max-width: 16ch; text-wrap: balance; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); letter-spacing: -0.01em; }
h3 { font-size: 1.3rem; }
p { margin: 0; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 24px; border-radius: 6px;
  background: var(--ink); color: #fff; text-decoration: none; font-weight: 700;
  border: 2px solid var(--ink);
  transition: background .15s, color .15s;
}
.btn:hover { background: var(--ink-2); }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.btn-small { padding: 9px 16px; font-size: .92rem; }

/* Top bar */
.topbar {
  position: sticky; top: 0; z-index: 10;
  background: var(--ink-2);
  border-bottom: 1px solid rgba(242, 199, 92, .25);
}
.topbar-inner { display: flex; align-items: center; gap: 24px; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-family: var(--serif); font-weight: 600; font-size: 1.3rem; color: #fff; }
.brand .roman { color: var(--gold-bright); }
.brand-mark { width: 44px; height: 44px; }
.nav { display: flex; gap: 22px; margin-left: auto; }
.nav a { text-decoration: none; color: #c5d1da; font-weight: 500; font-size: .95rem; }
.nav a:hover { color: #fff; }
.topbar .btn-small { background: var(--gold-bright); border-color: var(--gold-bright); color: var(--ink-2); }
.topbar .btn-small:hover { background: #fff; border-color: #fff; }

/* Hero */
.hero { padding: 72px 0 80px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.status { display: inline-flex; align-items: center; gap: 10px; font-weight: 500; color: var(--mangrove); margin-bottom: 22px; }
.dot { width: 10px; height: 10px; border-radius: 50%; background: #2fa36b; box-shadow: 0 0 0 4px rgba(47, 163, 107, .18); }
.lede { font-size: 1.15rem; color: var(--muted); margin: 24px 0 32px; max-width: 52ch; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* Signature card: the one bold moment */
.sigcard {
  margin: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-top: 6px solid var(--gold);
  border-radius: 4px;
  padding: 28px 30px 24px;
  box-shadow: 0 30px 60px -30px rgba(20, 48, 74, .35);
  transform: rotate(-1.2deg);
}
.sigcard-head, .sigcard-foot { display: flex; justify-content: space-between; align-items: center; font-size: .82rem; color: var(--muted); }
.sigline { position: relative; margin: 26px 0 18px; border-bottom: 2px solid var(--ink); height: 120px; }
.sigline .x { position: absolute; left: 0; bottom: 6px; font-family: var(--serif); font-size: 1.6rem; color: var(--ink); }
.signature { position: absolute; left: 36px; right: 0; bottom: 4px; width: calc(100% - 36px); height: auto; }
.signature path {
  fill: none; stroke: var(--ink); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 1200; stroke-dashoffset: 1200;
  animation: sign 2.4s .4s cubic-bezier(.6, .1, .3, 1) forwards;
}
@keyframes sign { to { stroke-dashoffset: 0; } }
.seal {
  width: 68px; height: 68px; border-radius: 50%;
  border: 2px solid var(--gold); box-shadow: inset 0 0 0 5px #fff, inset 0 0 0 6px var(--gold);
  display: grid; place-items: center;
}
.seal-mark {
  width: 42px; height: 42px; background: var(--gold);
  -webkit-mask: url(img/mark.png) center / contain no-repeat;
          mask: url(img/mark.png) center / contain no-repeat;
}

/* Facts */
.facts { background: var(--ink); color: #dbe4ea; }
.facts-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.facts-grid div { padding: 30px 28px; border-left: 1px solid rgba(255, 255, 255, .14); }
.facts-grid div:first-child { border-left: 0; padding-left: 0; }
.facts strong { display: block; font-family: var(--serif); font-size: 2.2rem; color: var(--gold-bright); font-weight: 600; line-height: 1.1; }
.facts span { font-size: .95rem; }

/* Sections */
.section { padding: 96px 0; }
.section-lede { color: var(--muted); font-size: 1.1rem; margin-top: 14px; max-width: 60ch; }
.section-soft { background: var(--mist); }
.section-ink { background: var(--ink-2); color: #d7e0e7; }
.section-ink h2, .section-ink h3 { color: #fff; }

.svc-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 44px; }
.svc { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 28px 30px; }
.svc:first-child, .svc:nth-child(2) { border-top: 4px solid var(--gold); }
.svc > p { color: var(--muted); margin-top: 8px; }
.svc ul { margin: 16px 0 0; padding: 0; list-style: none; }
.svc li { position: relative; padding: 6px 0 6px 22px; border-top: 1px dashed var(--line); }
.svc li::before { content: ""; position: absolute; left: 2px; top: 15px; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); }
.svc .svc-note { margin-top: 14px; font-size: .92rem; color: var(--mangrove); }
.disclaimer { margin-top: 28px; font-size: .92rem; color: var(--muted); max-width: 75ch; }

/* Loans */
.loans-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; }
.loans-grid > div > p { margin-top: 18px; font-size: 1.08rem; max-width: 56ch; }
.loan-types { list-style: none; padding: 0; margin: 30px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.loan-types li { border: 1px solid rgba(196, 154, 44, .55); color: var(--gold-soft); padding: 7px 14px; border-radius: 999px; font-size: .92rem; }
.steps-title { margin-bottom: 18px; }
.steps { list-style: none; counter-reset: step; padding: 0; margin: 0; }
.steps li { counter-increment: step; position: relative; padding: 0 0 22px 52px; }
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: -2px;
  width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--gold-bright); color: var(--ink-2); font-weight: 700;
}
.steps li:not(:last-child)::after { content: ""; position: absolute; left: 16px; top: 36px; bottom: 4px; width: 2px; background: rgba(255, 255, 255, .15); }
.steps strong { color: #fff; }

/* Service area */
.area-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 56px; align-items: start; }
.area-list { margin: 0; border-top: 2px solid var(--ink); }
.area-list div { display: grid; grid-template-columns: 170px 1fr; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.area-list dt { font-family: var(--serif); font-weight: 600; color: var(--ink); font-size: 1.08rem; }
.area-list dd { margin: 0; color: var(--muted); }

/* FAQ */
.faq-wrap { max-width: 780px; }
.faq-wrap h2 { margin-bottom: 28px; }
details { border-bottom: 1px solid #c6d2d7; }
summary {
  cursor: pointer; list-style: none; padding: 20px 40px 20px 0; position: relative;
  font-family: var(--serif); font-size: 1.2rem; font-weight: 600; color: var(--ink);
}
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 4px; top: 16px; font-size: 1.6rem; color: var(--gold); font-family: var(--sans); transition: transform .2s; }
details[open] summary::after { transform: rotate(45deg); }
details p { padding: 0 0 22px; color: var(--muted); max-width: 65ch; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-grid > div p { margin: 16px 0 28px; color: var(--muted); font-size: 1.1rem; max-width: 46ch; }
.contact-list { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--ink); }
.contact-list li { display: flex; justify-content: space-between; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line); flex-wrap: wrap; }
.contact-list span { color: var(--muted); }
.contact-list a, .contact-list b { font-weight: 700; color: var(--ink); }

/* Footer */
.footer { background: var(--ink-2); color: #aab8c3; padding: 36px 0; font-size: .9rem; }
.footer-inner { display: grid; gap: 6px; justify-items: start; }
.footer-logo { width: 180px; height: auto; margin-bottom: 18px; }
.footer a { color: var(--gold-bright); }

/* Header phone */
.topbar-phone { color: #fff; font-weight: 700; text-decoration: none; font-size: .95rem; }
.topbar-phone:hover { color: var(--gold-bright); }
button.btn { font: inherit; font-weight: 700; cursor: pointer; }

/* Mobile-only notice */
.mobile-only { background: var(--gold-soft); border-top: 1px solid #e6d39c; }
.mobile-only-inner { display: flex; align-items: center; gap: 16px; padding: 18px 0; }
.mobile-only p { color: var(--ink); }
.car { width: 36px; height: 36px; flex: none; fill: var(--ink); }

/* Sticky call/quote bar on phones */
.mobile-bar { display: none; }
.btn-gold { background: var(--gold-bright); border-color: var(--gold-bright); color: var(--ink-2); }
.btn-ghost-light { background: transparent; border-color: rgba(255, 255, 255, .5); color: #fff; }

/* Quote popup */
.quote {
  width: min(600px, 100% - 24px); max-height: calc(100dvh - 24px);
  padding: 0; border: 0; border-radius: 12px;
  box-shadow: 0 40px 80px -20px rgba(8, 20, 32, .6);
  color: var(--text); overflow: hidden;
}
.quote-form { display: flex; flex-direction: column; max-height: calc(100dvh - 24px); }
.quote-body { overflow-y: auto; }
.quote::backdrop { background: rgba(8, 20, 32, .6); backdrop-filter: blur(3px); }
.quote[open] { animation: pop .22s ease-out; }
@keyframes pop { from { opacity: 0; transform: translateY(12px) scale(.98); } }
.quote-head { display: flex; align-items: center; gap: 14px; background: var(--ink-2); color: #c5d1da; padding: 20px 24px; flex: none; }
.quote-head img { width: 44px; height: 44px; }
.quote-head h2 { color: #fff; font-size: 1.5rem; }
.quote-head p { font-size: .92rem; }
.quote-close { margin-left: auto; align-self: flex-start; background: none; border: 0; color: #fff; font-size: 2rem; line-height: 1; cursor: pointer; padding: 0 4px; }
.quote-body { padding: 22px 24px 8px; display: grid; gap: 14px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: grid; gap: 6px; font-weight: 600; font-size: .92rem; color: var(--ink); }
.field .hint { font-weight: 400; color: var(--muted); }
.field input, .field select, .field textarea {
  font: inherit; font-weight: 400; font-size: 1rem; color: var(--text);
  padding: 11px 12px; border: 1px solid #b9c6ce; border-radius: 6px; background: #fff; width: 100%;
}
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--gold); outline-offset: 0; border-color: var(--gold); }
.hp { position: absolute; left: -9999px; }
.form-status:empty { display: none; }
.form-status { font-size: .95rem; color: var(--mangrove); }
.form-status.is-error { color: #a23a2a; }
.quote-foot { flex: none; border-top: 1px solid var(--line); display: flex; align-items: center; gap: 18px; flex-wrap: wrap; padding: 16px 24px 20px; }
.quote-foot p { font-size: .92rem; color: var(--muted); }
.quote-foot a, .quote-done a { color: var(--ink); font-weight: 700; }
.quote-done { padding: 48px 32px; text-align: center; display: grid; justify-items: center; gap: 14px; }
.quote-done[hidden], .quote-form[hidden] { display: none; }
.quote-done img { width: 64px; height: 64px; background: var(--ink-2); border-radius: 50%; padding: 10px; }
.quote-done p { color: var(--muted); max-width: 40ch; }

/* Responsive */
@media (max-width: 920px) {
  .nav { display: none; }
  .btn-small { margin-left: auto; }
  .hero { padding: 48px 0 64px; }
  .hero-grid, .loans-grid, .contact-grid, .area-grid { grid-template-columns: 1fr; gap: 36px; }
  .svc-list { grid-template-columns: 1fr; }
  .topbar-phone { display: none; }
  .section { padding: 72px 0; }
}
@media (max-width: 620px) {
  .brand { font-size: 1.1rem; }
  .btn-small { font-size: .82rem; padding: 8px 12px; }
  .facts-grid { grid-template-columns: 1fr; }
  .facts-grid div { border-left: 0; padding: 20px 0; border-top: 1px solid rgba(255, 255, 255, .14); }
  .facts-grid div:first-child { border-top: 0; }
  .sigcard { transform: none; padding: 22px 20px 18px; }
  .svc { padding: 22px 20px; }
  .area-list div { grid-template-columns: 1fr; gap: 2px; }
  .field-row { grid-template-columns: 1fr; }
  .topbar .btn-small { display: none; }
  .mobile-bar {
    display: grid; grid-template-columns: 1fr 2fr; gap: 10px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 20;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    background: var(--ink-2); border-top: 1px solid rgba(242, 199, 92, .3);
  }
  .footer { padding-bottom: 96px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .signature path { animation: none; stroke-dashoffset: 0; }
  .quote[open] { animation: none; }
}