@font-face{font-family:'Cormorant Garamond';font-weight:600;font-style:normal;font-display:swap;src:url(fonts/cormorant-garamond-latin-600-normal.woff2) format('woff2')}
@font-face{font-family:'Cormorant Garamond';font-weight:500;font-style:normal;font-display:swap;src:url(fonts/cormorant-garamond-latin-500-normal.woff2) format('woff2')}
@font-face{font-family:'Cormorant Garamond';font-weight:400;font-style:italic;font-display:swap;src:url(fonts/cormorant-garamond-latin-400-italic.woff2) format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:400;font-style:normal;font-display:swap;src:url(fonts/source-sans-3-latin-400-normal.woff2) format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:600;font-style:normal;font-display:swap;src:url(fonts/source-sans-3-latin-600-normal.woff2) format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:400;font-style:italic;font-display:swap;src:url(fonts/source-sans-3-latin-400-italic.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Mono';font-weight:400;font-style:normal;font-display:swap;src:url(fonts/ibm-plex-mono-latin-400-normal.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Mono';font-weight:500;font-style:normal;font-display:swap;src:url(fonts/ibm-plex-mono-latin-500-normal.woff2) format('woff2')}

:root{
  --navy:#001a35;--navy-raised:#0a2747;--navy-line:#1e3a5c;
  --gold:#d4b258;--champagne:#f0d9a1;--gold-ink:#7a5e1c;
  --paper:#ffffff;--raised:#f7f4ec;--line:#ddd6c6;
  --ink:#001a35;--muted:#4a5668;--cream:#f4eedf;--cream-muted:#a9b4c4;
  --serif:'Cormorant Garamond',Garamond,'Times New Roman',serif;
  --sans:'Source Sans 3','Segoe UI',Arial,sans-serif;
  --mono:'IBM Plex Mono',Consolas,monospace;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink);margin:0 0 14px}
.dark .eyebrow{color:var(--gold)}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.05;margin:0}
h1{font-size:clamp(40px,5.2vw,64px);letter-spacing:-.005em}
h2{font-size:clamp(30px,3.6vw,42px);margin-bottom:18px}
h3{font-size:24px;margin-bottom:8px}
p{margin:0 0 16px}
.lede{font-size:19px;color:var(--muted);max-width:640px}
.dark .lede{color:var(--cream)}
.muted{color:var(--muted)}
.btn{display:inline-block;padding:13px 22px;font-family:var(--sans);font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;line-height:1;transition:background .15s,color .15s}
.btn-gold{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.btn-gold:hover{background:var(--champagne);border-color:var(--champagne)}
.btn-outline{background:transparent;color:var(--cream);border-color:var(--gold)}
.btn-outline:hover{background:rgba(212,178,88,.12)}
.btn-navy{background:var(--navy);color:var(--cream);border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-raised)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--raised)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
section{padding:88px 0}
.dark{background:var(--navy);color:var(--cream)}
.raised{background:var(--raised)}
.rule{width:56px;height:2px;background:var(--gold);margin:0 0 22px}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:var(--navy);border-bottom:1px solid var(--navy-line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--cream)}
.brand svg{height:34px;width:auto}
.brand .word{font-family:var(--serif);font-weight:600;font-size:19px;letter-spacing:.08em;line-height:1}
.brand .word small{display:block;font-family:var(--mono);font-size:8.5px;letter-spacing:.24em;color:var(--gold);margin-top:3px}
nav{display:flex;align-items:center;gap:26px}
nav a{font-size:14.5px;text-decoration:none;color:var(--cream-muted)}
nav a:hover{color:var(--cream)}
nav .btn{padding:10px 16px;font-size:14px}
.menu-btn{display:none;background:none;border:1px solid var(--navy-line);color:var(--cream);padding:8px 10px;font-family:var(--mono);font-size:11px;letter-spacing:.12em}
@media (max-width:820px){nav{display:none;position:absolute;top:66px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:18px 24px 24px;gap:16px;border-bottom:1px solid var(--navy-line)}nav.open{display:flex}.menu-btn{display:block}}

/* hero */
.hero{padding:96px 0 84px}
.hero .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.hero h1{color:var(--cream)}
.hero h1 em{font-style:normal;color:var(--champagne)}
.hero .tag{font-family:var(--serif);font-style:italic;font-weight:400;font-size:22px;color:var(--champagne);margin:18px 0 20px}
.hero .lede{font-size:18px}
.hero .lede b{color:var(--cream);font-weight:600}
.hero-logo svg{width:min(300px,70%);height:auto;margin:0 auto}
.stats{display:flex;gap:28px;flex-wrap:wrap;margin-top:34px;font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--cream-muted)}
.stats b{color:var(--gold);font-weight:500}
@media (max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero-logo{order:-1}.hero-logo svg{width:160px;margin:0}}

/* two col */
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media (max-width:820px){.two{grid-template-columns:1fr;gap:32px}}

/* spectrum list */
.spectrum{list-style:none;padding:0;margin:8px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:0 40px}
.spectrum li{padding:16px 0;border-top:1px solid var(--line)}
.spectrum .no{font-family:var(--mono);font-size:11px;letter-spacing:.14em;color:var(--gold-ink);margin-right:10px}
.spectrum b{font-family:var(--serif);font-weight:600;font-size:20px}
.spectrum p{margin:6px 0 0;font-size:15.5px;color:var(--muted)}
@media (max-width:820px){.spectrum{grid-template-columns:1fr}}

/* how we work */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:24px}
.steps li{counter-increment:s;border-top:2px solid var(--gold);padding-top:14px}
.steps li:before{content:counter(s,upper-roman);display:block;font-family:var(--mono);font-size:11px;letter-spacing:.14em;color:var(--gold-ink);margin-bottom:8px}
.steps b{font-family:var(--serif);font-size:20px;font-weight:600;display:block;margin-bottom:6px}
.steps p{font-size:15px;color:var(--muted);margin:0}
@media (max-width:1000px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.terms{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
.terms > div{background:var(--paper);border:1px solid var(--line);padding:24px}
.terms .k{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px}
.terms p{margin:0;font-size:16px}
@media (max-width:820px){.terms{grid-template-columns:1fr}}

/* grid teaser */
.mini{width:100%;border-collapse:collapse;font-size:13.5px;margin-top:8px}
.mini th,.mini td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top;line-height:1.35}
.mini thead th{background:var(--navy);color:var(--champagne);font-family:var(--serif);font-size:16px;font-weight:600}
.mini thead th small{display:block;font-family:var(--mono);font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-top:2px}
.mini th.band{background:var(--raised);font-family:var(--mono);font-size:12px;white-space:nowrap}
.mini .t1{font-weight:600}.mini .t3{font-style:italic;color:var(--muted)}
.legend{font-size:13px;color:var(--muted);margin-top:12px}

/* testimonials */
.quotes{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.quote{border:1px solid var(--line);padding:32px;background:var(--paper)}
.quote p.q{font-family:var(--serif);font-weight:500;font-size:21px;line-height:1.4;margin:0 0 22px}
.quote p.q:before{content:'\201C';color:var(--gold);font-size:34px;line-height:0;margin-right:4px;vertical-align:-10px}
.who{display:flex;align-items:center;gap:14px}
.who img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.who img.logo{border-radius:0;border:1px solid var(--line);padding:4px;background:#fff}
.who b{display:block;font-weight:600;font-size:15px}
.who span{font-size:13.5px;color:var(--muted)}
@media (max-width:820px){.quotes{grid-template-columns:1fr}}

/* playbook */
.playbook .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.pb-form{display:flex;gap:10px;flex-wrap:wrap}
.pb-form input{flex:1 1 240px;padding:13px 14px;font:16px var(--sans);border:1px solid var(--line);background:#fff;color:var(--ink)}
.pb-form input:focus{outline:2px solid var(--gold);outline-offset:0}
.pb-note{font-size:13.5px;color:var(--muted);margin-top:12px}
.pb-msg{font-size:15px;margin-top:10px;color:var(--gold-ink);min-height:22px}
@media (max-width:820px){.playbook .wrap{grid-template-columns:1fr}}

/* contact */
.contact .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.card-dark{background:var(--navy-raised);border:1px solid var(--navy-line);padding:32px;display:flex;gap:20px;align-items:center}
.card-dark img{width:76px;height:76px;border-radius:50%;object-fit:cover;object-position:center;border:2px solid var(--gold)}
.card-dark .n{font-family:var(--serif);font-size:24px;font-weight:600;line-height:1}
.card-dark .r{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:6px 0 12px}
.card-dark a{color:var(--cream);text-decoration:none;display:block;font-size:15px}
.card-dark .addr{color:var(--cream-muted);font-size:14px;margin-top:8px;line-height:1.45}
@media (max-width:820px){.contact .wrap{grid-template-columns:1fr}}
footer{background:#00122a;color:var(--cream-muted);padding:26px 0;font-family:var(--mono);font-size:11px;letter-spacing:.1em}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

/* lender grid page */
.picker{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin:32px 0}
.picker .k{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1px solid var(--line);background:#fff;padding:9px 14px;font:14px var(--sans);cursor:pointer;color:var(--ink)}
.chip small{display:block;font-family:var(--mono);font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:2px}
.chip.on{background:var(--navy);color:var(--cream);border-color:var(--navy)}
.chip.on small{color:var(--gold)}
.result{background:var(--raised);border:1px solid var(--line);padding:24px 28px;margin:8px 0 40px;min-height:88px}
.result .k{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:8px}
.result h3{margin:0 0 4px}
.result .r1,.result .r2,.result .r3{display:inline-block;margin:6px 14px 0 0;font-size:16px}
.result .r1{font-weight:600}.result .r3{font-style:italic;color:var(--muted)}
.result .r1:before,.result .r2:before,.result .r3:before{content:'';display:inline-block;width:8px;height:8px;margin-right:8px;background:var(--gold)}
.result .r2:before{background:var(--navy)}.result .r3:before{background:var(--line)}
.mini td{cursor:pointer}
.mini td:hover{background:var(--raised)}
.mini td.on{outline:2px solid var(--gold);outline-offset:-2px;background:#fff}
.arch{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:8px}
.arch > div{border:1px solid var(--line);padding:24px;background:#fff}
.arch .no{font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.arch h3{margin:4px 0 0}
.arch .sub{font-family:var(--mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:2px 0 14px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.arch .k{font-family:var(--mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink);margin-top:10px}
.arch .k.w{color:var(--navy)}
.arch p{font-size:15px;margin:3px 0 0;color:var(--ink)}
@media (max-width:1000px){.arch{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.arch{grid-template-columns:1fr}.picker{grid-template-columns:1fr}}
.cta-band{background:var(--navy);color:var(--cream);padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:56px}
.cta-band h3{color:var(--champagne);margin:0;font-size:28px}