/* UGrow Finance: "Bullion on white" (see DESIGN.md) */
@font-face{font-family:Sora;src:url(/fonts/sora-600.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:Sora;src:url(/fonts/sora-700.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:Sora;src:url(/fonts/sora-800.woff2) format("woff2");font-weight:800;font-display:swap}
@font-face{font-family:Figtree;src:url(/fonts/figtree-400.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:Figtree;src:url(/fonts/figtree-500.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:Figtree;src:url(/fonts/figtree-600.woff2) format("woff2");font-weight:600;font-display:swap}

:root{
  --ink:#0c0c0d;--ink-2:#19191b;--ink-3:#26262a;
  --paper:#ffffff;--stone:#f4f3ef;--line:#e3e1da;
  --text:#141414;--muted:#55544f;
  --gold-deep:#A86C24;--gold:#CC903C;--gold-mid:#D8A848;--gold-light:#E4C054;--gold-hi:#F0D860;
  --gold-grad:linear-gradient(100deg,#A86C24 0%,#CC903C 28%,#E4C054 58%,#F0D860 72%,#CC903C 100%);
  --gold-text:linear-gradient(100deg,#93591a 0%,#b37a2c 45%,#c9952f 70%,#a86c24 100%);
  --f-head:Sora,ui-sans-serif,system-ui,sans-serif;
  --f-body:Figtree,ui-sans-serif,system-ui,sans-serif;
  --ease:cubic-bezier(.22,1,.36,1);
  --pad:clamp(56px,8vw,116px);
  --gut:clamp(20px,4vw,48px);
  --r:22px;
  --hdr:84px;
}
*,*::before,*::after{box-sizing:border-box}
html,body{overflow-x:clip}
html{-webkit-text-size-adjust:100%;scroll-behavior:auto}
html.is-locked{overflow:hidden}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--f-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
main{overflow-x:clip;display:block}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;padding:0;cursor:pointer}
h1,h2,h3{font-family:var(--f-head);margin:0;font-weight:700;letter-spacing:-.03em;line-height:1.08}
p{margin:0 0 1em}
p:last-child{margin-bottom:0}
ul,ol{margin:0;padding:0;list-style:none}
.ic{width:1em;height:1em;flex:none;fill:currentColor}
.wrap{width:100%;max-width:1320px;margin-inline:auto;padding-inline:var(--gut)}
.skip{position:absolute;left:-9999px;top:8px;z-index:10001;background:var(--ink);color:#fff;padding:10px 16px;border-radius:999px}
.skip:focus{left:12px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

.h2{font-size:clamp(34px,4.6vw,66px);font-weight:800;letter-spacing:-.04em;line-height:1.02;margin-bottom:.45em;text-wrap:balance}
.hl{background:var(--gold-text);-webkit-background-clip:text;background-clip:text;color:transparent;padding-bottom:.06em}
.on-dark .hl,.hero .hl,.saving .hl,.services .hl{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text}
.h2--long{font-size:clamp(32px,3.5vw,52px)}
.lead{font-size:clamp(18px,1.5vw,21px);color:var(--muted);max-width:60ch}

/* Buttons: never move, hover = colour swap to gold */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;height:56px;padding:0 28px;border-radius:999px;font-family:var(--f-head);font-weight:600;font-size:15.5px;letter-spacing:-.005em;white-space:nowrap;transition:background-color .35s var(--ease),color .35s var(--ease),border-color .35s var(--ease),box-shadow .35s var(--ease);border:1.5px solid transparent}
.btn .ic{font-size:17px}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:var(--gold);color:var(--ink)}
.btn--gold{background:var(--gold-grad);background-size:140% 100%;color:var(--ink);background-color:var(--gold)}
.btn--gold:hover{background:var(--gold-hi);color:var(--ink)}
.btn--ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn--ghost:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}

/* ───────── Header ───────── */
.site-header{position:absolute;top:0;left:0;right:0;z-index:9999;color:#fff;transform:translate3d(0,0,0);will-change:transform}
.hdr{position:relative;height:var(--hdr);display:flex;align-items:center;justify-content:space-between;max-width:1440px;margin-inline:auto;padding-inline:var(--gut)}
.hdr__logo{display:block;width:118px;position:relative;z-index:2}
.hdr__logo img{width:100%}
.hdr__logo .logo-dark{display:none}
.hdr__nav{position:absolute;left:50%;top:0;height:100%;transform:translateX(-50%);display:flex;align-items:center;gap:clamp(18px,2.4vw,38px);font-family:var(--f-head);font-weight:600;font-size:15px;letter-spacing:-.01em;white-space:nowrap}
.hdr__nav>a,.hdr__droplink{position:relative;display:inline-flex;align-items:center;gap:6px;padding:8px 0;transition:color .3s var(--ease)}
.hdr__nav>a::after,.hdr__droplink::after{content:"";position:absolute;left:0;right:0;bottom:2px;height:2px;background:var(--gold-grad);transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease)}
.hdr__nav>a:hover,.hdr__droplink:hover{color:var(--gold-light)}
.hdr__nav>a:hover::after,.hdr__drop:hover .hdr__droplink::after,.hdr__drop:focus-within .hdr__droplink::after{transform:scaleX(1)}
.hdr__droplink .ic{font-size:12px;transition:transform .4s var(--ease)}
.hdr__drop{height:100%;display:flex;align-items:center}
.hdr__drop:hover .hdr__droplink .ic,.hdr__drop:focus-within .hdr__droplink .ic{transform:rotate(180deg)}
.mega{position:absolute;top:calc(100% - 6px);left:50%;width:min(860px,92vw);margin-left:calc(min(860px,92vw) / -2);padding-top:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .35s var(--ease),transform .45s var(--ease),visibility 0s .45s}
.hdr__drop:hover .mega,.hdr__drop:focus-within .mega{opacity:1;visibility:visible;transform:none;transition:opacity .35s var(--ease),transform .45s var(--ease),visibility 0s}
.mega__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:4px;background:#fff;color:var(--text);border-radius:22px;padding:14px;box-shadow:0 30px 80px -20px rgba(12,12,13,.45)}
.mega__grid a{display:block;padding:12px 14px;border-radius:14px;white-space:normal;transition:background-color .3s var(--ease)}
.mega__grid a:hover{background:var(--stone)}
.mega__grid strong{display:block;font-weight:600;font-size:14.5px}
.mega__grid a:hover strong{color:var(--gold-deep)}
.mega__grid span{display:block;font-family:var(--f-body);font-weight:400;font-size:13.5px;color:var(--muted);line-height:1.4;margin-top:2px;letter-spacing:0}
.hdr__phone{display:inline-flex;align-items:center;gap:9px;height:46px;padding:0 20px;border-radius:999px;border:1.5px solid rgba(255,255,255,.5);font-family:var(--f-head);font-weight:600;font-size:15px;transition:background-color .35s var(--ease),border-color .35s var(--ease),color .35s var(--ease)}
.hdr__phone .ic{color:var(--gold-light);transition:color .35s var(--ease)}
.hdr__phone:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.hdr__phone:hover .ic{color:var(--ink)}
.hdr__toggle{display:none}

/* ───────── Mobile menu ───────── */
.menu{position:fixed;inset:0;z-index:9998;background:linear-gradient(160deg,#B97F30 0%,#9a611e 55%,#7d4c15 100%);color:#fff;display:flex;flex-direction:column;justify-content:flex-end;padding:calc(var(--hdr) + 24px) var(--gut) max(32px,env(safe-area-inset-bottom));transform:translate3d(0,-100%,0);visibility:hidden;transition:transform .75s var(--ease),visibility 0s .75s}
.menu.is-open{transform:none;visibility:visible;transition:transform .75s var(--ease),visibility 0s}
.menu__nav{display:flex;flex-direction:column;gap:2px;margin-bottom:auto;margin-top:clamp(20px,4svh,44px)}
.menu__nav a,.menu__foot{opacity:0;transform:translate3d(0,26px,0);transition:opacity .45s var(--ease),transform .55s var(--ease);transition-delay:calc((5 - var(--i)) * 45ms)}
.menu__nav a{font-family:var(--f-head);font-weight:700;font-size:clamp(32px,8.6vw,52px);letter-spacing:-.04em;line-height:1.18;padding:4px 0}
.menu.is-open .menu__nav a,.menu.is-open .menu__foot{opacity:1;transform:none;transition-delay:calc(220ms + var(--i) * 60ms)}
.menu__foot{display:flex;flex-direction:column;gap:12px;padding-top:24px;border-top:1px solid rgba(255,255,255,.3);font-weight:500;font-size:17px}
.menu__foot a{display:inline-flex;align-items:center;gap:10px}

/* ───────── Hero ───────── */
.hero{position:relative;min-height:100svh;height:100svh;max-height:1100px;color:#fff;background:var(--ink);overflow:hidden;display:flex;align-items:flex-end;isolation:isolate}
.hero__media{position:absolute;inset:-8% 0 -8% 0;z-index:-3}
.hero__slide{position:absolute;inset:0;opacity:0;will-change:opacity}
.hero__slide.is-on{opacity:1}
.hero__slide picture,.hero__slide img{width:100%;height:100%}
.hero__slide img{object-fit:cover;object-position:72% 50%;transform:scale(1.04);will-change:transform;backface-visibility:hidden}
.hero__shade{position:absolute;inset:0;z-index:-2;background:linear-gradient(90deg,rgba(12,12,13,.88) 0%,rgba(12,12,13,.62) 34%,rgba(12,12,13,.18) 62%,rgba(12,12,13,0) 80%),linear-gradient(0deg,rgba(12,12,13,.7) 0%,rgba(12,12,13,0) 38%),linear-gradient(180deg,rgba(12,12,13,.55) 0%,rgba(12,12,13,0) 22%)}
.hero__arrows{position:absolute;z-index:-1;right:clamp(16px,4vw,64px);bottom:0;height:74%;width:auto;aspect-ratio:120/600;overflow:visible}
.hero__arrows .ar{opacity:0}
.hero__inner{position:relative;padding-bottom:clamp(96px,15svh,150px);max-width:1320px}
.hero__eyebrow{font-family:var(--f-head);font-weight:600;font-size:13px;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;display:flex;align-items:center;gap:14px}
.hero__eyebrow::before{content:"";width:40px;height:2px;background:var(--gold-grad)}
.hero__title{font-size:clamp(60px,10.4vw,168px);font-weight:800;letter-spacing:-.055em;line-height:.9;margin-bottom:.16em}
.hero__title .ln{display:block;overflow:hidden;padding-top:.12em;margin-top:-.12em;padding-bottom:.06em;margin-bottom:-.06em}
.hero__title .ln>span{display:inline-block}
.hero__sub{font-size:clamp(19px,1.7vw,24px);color:rgba(255,255,255,.88);margin-bottom:32px;font-weight:500}
.hero__ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero__progress{position:absolute;left:0;right:0;bottom:clamp(30px,5svh,48px);margin-inline:auto;display:flex;gap:10px;max-width:1320px}
.hero__progress .seg{width:56px;height:3px;border-radius:3px;background:rgba(255,255,255,.25);overflow:hidden}
.hero__progress .seg i{display:block;height:100%;background:var(--gold-grad);transform:scaleX(0);transform-origin:left}

/* ───────── Lenders ───────── */
.lenders{background:var(--stone);padding:var(--pad) 0 calc(var(--pad) * .85)}
.lenders__head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px 64px;align-items:end;margin-bottom:clamp(32px,4vw,56px)}
.lenders__head .h2{margin:0}
.lenders__head .lead{margin:0}
.marquee{overflow:hidden;-webkit-mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.marquee__track{display:flex;width:max-content;animation:marq 70s linear infinite}
.marquee__list{display:flex;gap:16px;padding-right:16px;padding-block:12px}
.marquee__list li{width:216px;height:112px;flex:none;background:#fff;border-radius:20px;display:grid;place-items:center;padding:22px 26px;box-shadow:0 1px 0 rgba(12,12,13,.04),0 14px 30px -18px rgba(90,70,30,.25);position:relative}
.marquee__list li::after{content:"";position:absolute;inset:0;border-radius:inherit;border:1px solid rgba(168,108,36,.12);pointer-events:none}
.marquee__list img{max-height:52px;max-width:100%;width:auto;object-fit:contain}
@keyframes marq{to{transform:translate3d(-50%,0,0)}}

/* ───────── About ───────── */
.about{padding:var(--pad) 0}
.about__grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(40px,7vw,120px);align-items:center}
.about__copy p{color:var(--muted);font-size:18px;max-width:58ch;margin-bottom:32px}
.portrait{position:relative;margin:0;max-width:440px;justify-self:center;width:100%;padding:8% 10% 0 0}
.portrait__mark{position:absolute;right:-4%;top:-2%;width:62%;z-index:0;filter:drop-shadow(0 20px 40px rgba(168,108,36,.25))}
.portrait__frame{position:relative;z-index:1;border-radius:28px 28px 999px 999px;overflow:hidden;aspect-ratio:3/4;background:var(--stone);box-shadow:0 40px 80px -40px rgba(12,12,13,.45)}
.portrait__frame::after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(255,255,255,.25);pointer-events:none}
.portrait__frame img{width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.portrait__tag{position:absolute;z-index:2;left:-12%;bottom:16%;background:var(--ink);color:#fff;border-radius:18px;padding:14px 20px 14px 18px;display:flex;flex-direction:column;box-shadow:0 20px 40px -18px rgba(12,12,13,.6);border-left:4px solid var(--gold)}
.portrait__tag strong{font-family:var(--f-head);font-weight:700;font-size:17px;letter-spacing:-.02em}
.portrait__tag span{font-size:13.5px;color:var(--gold-light)}
.uzma{margin-top:clamp(56px,7vw,100px);display:grid;grid-template-rows:auto auto 1fr;align-items:start;grid-template-columns:minmax(0,.8fr) minmax(0,2fr);gap:20px clamp(32px,5vw,80px);padding-top:clamp(40px,5vw,64px);border-top:1px solid var(--line)}
.uzma__name{font-size:clamp(28px,2.6vw,38px);font-weight:800;letter-spacing:-.04em;grid-column:1}
.uzma__role{grid-column:1;color:var(--gold-deep);font-weight:600;margin:-10px 0 8px}
.uzma__contact{grid-column:1;display:flex;flex-direction:column;gap:8px;font-size:15.5px}
.uzma__contact a{display:inline-flex;align-items:center;gap:10px;transition:color .3s var(--ease)}
.uzma__contact a .ic{color:var(--gold)}
.uzma__contact a:hover{color:var(--gold-deep)}
.uzma__bio{grid-column:2;grid-row:1/span 3}
.uzma__lede{font-family:var(--f-head);font-weight:600;font-size:clamp(22px,2.2vw,32px);line-height:1.3;letter-spacing:-.025em;margin-bottom:28px}
.uzma__cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;color:var(--muted);font-size:16px}
.uzma__cols p{margin:0}

/* ───────── Process (rising stairs) ───────── */
.process{padding:var(--pad) 0;background:var(--paper)}
.process .lead{margin-bottom:clamp(28px,4vw,56px)}
.stairs{position:relative}
.stairs__line{position:absolute;left:0;right:0;top:0;width:100%;height:240px;z-index:1;overflow:visible;pointer-events:none}
.stairs__line path{stroke-dasharray:1;stroke-dashoffset:1}
.stairs__list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(20px,3vw,40px);position:relative}
.step{position:relative;padding:28px 28px 30px;background:var(--stone);border-radius:var(--r)}
.step:nth-child(1){margin-top:220px}
.step:nth-child(2){margin-top:130px}
.step:nth-child(3){margin-top:40px}
.step__num{display:block;width:fit-content;font-family:var(--f-head);font-weight:800;font-size:clamp(64px,6vw,92px);line-height:.9;letter-spacing:-.05em;padding-right:.04em;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;margin-bottom:18px}
.step h3{font-size:clamp(20px,1.7vw,24px);font-weight:700;margin-bottom:10px}
.step__time{display:inline-flex;align-items:center;height:30px;padding:0 13px;border-radius:999px;background:var(--ink);color:var(--gold-light);font-family:var(--f-head);font-weight:600;font-size:13px;margin-bottom:14px}
.step p{color:var(--muted);font-size:16px}

/* ───────── Services (horizontal pin) ───────── */
.services{position:relative;z-index:1;background:var(--ink);color:#fff}
.services__pin{height:100svh;min-height:520px;display:flex;align-items:center;overflow:hidden;padding-left:max(var(--gut),calc((100vw - 1320px) / 2 + var(--gut)))}
.services__intro{flex:none;width:clamp(280px,30vw,420px);padding-right:clamp(28px,4vw,64px)}
.services__intro .h2{font-size:clamp(36px,min(4.6vw,9svh),66px)}
.services__intro p{color:rgba(255,255,255,.72);font-size:clamp(15px,2.3svh,17.5px)}
.services__view{flex:1;min-width:0;overflow:hidden;padding-block:16px;align-self:center}
.services__track{display:flex;gap:20px;width:max-content;padding-right:var(--gut)}
.card{flex:none;width:clamp(270px,min(44svh,30vw),400px);background:var(--ink-2);border-radius:var(--r);padding:12px 12px 24px;display:flex;flex-direction:column;border:1px solid rgba(255,255,255,.06)}
.card__img{position:relative;aspect-ratio:16/10;margin-bottom:18px}
.card__img img{width:100%;height:100%;object-fit:cover;border-radius:14px;-webkit-mask:radial-gradient(circle at calc(100% - 26px) 26px,transparent 0 31px,#000 32px);mask:radial-gradient(circle at calc(100% - 26px) 26px,transparent 0 31px,#000 32px)}
.chip{position:absolute;top:2px;right:2px;width:48px;height:48px;border-radius:50%;background:var(--gold-grad);color:var(--ink);display:grid;place-items:center;font-size:18px}
.card h3{font-size:clamp(19px,2.8svh,23px);padding-inline:10px;margin-bottom:8px}
.card p{font-size:clamp(14px,1.95svh,15.5px);line-height:1.6;color:rgba(255,255,255,.68);padding-inline:10px;margin:0}

/* ───────── Saving band ───────── */
.saving{position:relative;background:var(--ink);color:#fff;padding:calc(var(--pad) * .9) 0 var(--pad);overflow:hidden;isolation:isolate}
.saving__mark{position:absolute;z-index:-1;left:-6%;bottom:-30%;width:min(46vw,620px);opacity:.09}
.saving__grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(40px,6vw,100px);align-items:center}
.saving__copy p{color:rgba(255,255,255,.74);font-size:18px;max-width:60ch;margin-bottom:32px}
.saving__frame{position:relative;aspect-ratio:4/5;border-radius:28px;overflow:hidden;max-width:460px;margin-left:auto}
.saving__frame img{width:100%;height:118%;object-fit:cover;object-position:50% 50%;margin-top:-9%}
.saving__frame::before{content:"";position:absolute;z-index:1;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(240,216,96,.35);pointer-events:none}

/* ───────── Areas + map ───────── */
.areas{padding:var(--pad) 0}
.areas__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(40px,6vw,96px);align-items:center}
.areas__copy p{color:var(--muted);font-size:18px;max-width:52ch;margin-bottom:28px}
.areas__list{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.area{width:100%;display:flex;align-items:center;gap:16px;padding:16px 4px;border-bottom:1px solid var(--line);font-family:var(--f-head);font-weight:700;font-size:clamp(24px,2.4vw,34px);letter-spacing:-.035em;text-align:left;color:#9b9a94;transition:color .35s var(--ease)}
.area .ic{font-size:.7em;color:var(--line);transition:color .35s var(--ease)}
.area:hover{color:var(--text)}
.area.is-on{color:var(--text)}
.area.is-on .ic,.area:hover .ic{color:var(--gold)}
.map{position:relative;aspect-ratio:5/4;border-radius:28px;overflow:hidden;background:#e9e7e1;box-shadow:0 0 0 8px var(--stone),0 0 0 9px rgba(168,108,36,.25)}
.map iframe{position:absolute;inset:0;width:100%;height:100%;border:0;pointer-events:none}
.map.is-active iframe{pointer-events:auto}
.map__open{position:absolute;right:16px;top:16px;display:inline-flex;align-items:center;gap:8px;height:42px;padding:0 18px;border-radius:999px;background:var(--ink);color:#fff;font-family:var(--f-head);font-weight:600;font-size:13.5px;transition:background-color .3s var(--ease),color .3s var(--ease)}
.map__open:hover{background:var(--gold);color:var(--ink)}

/* ───────── Insights ───────── */
.insights{background:var(--stone);padding:var(--pad) 0}
.insights .lead{margin-bottom:clamp(32px,4vw,56px)}
.ins{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:clamp(24px,4vw,56px)}
.ins__feature{background:#fff;border-radius:var(--r);padding:12px;display:flex;flex-direction:column}
.ins__img{aspect-ratio:16/10;border-radius:14px;overflow:hidden}
.ins__img img{width:100%;height:100%;object-fit:cover}
.ins__body{padding:22px 14px 14px}
.ins time{display:block;font-family:var(--f-head);font-weight:600;font-size:13px;color:var(--gold-deep);margin-bottom:8px;letter-spacing:.01em}
.ins__feature h3{font-size:clamp(22px,2.2vw,30px);line-height:1.15}
.ins__list{display:flex;flex-direction:column;gap:12px}
.ins__row{display:grid;grid-template-columns:132px minmax(0,1fr);gap:20px;align-items:center;background:#fff;border-radius:18px;padding:10px 18px 10px 10px;flex:1}
.ins__thumb{aspect-ratio:4/3;border-radius:12px;overflow:hidden}
.ins__thumb img{width:100%;height:100%;object-fit:cover}
.ins__row h3{font-size:18px;line-height:1.25;letter-spacing:-.02em}

/* ───────── FAQ ───────── */
.faq{padding:var(--pad) 0}
.faq__grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(40px,6vw,96px);align-items:start}
.faq__side{position:sticky;top:40px}
.faq__side p{color:var(--muted);max-width:52ch}
.faq__img{margin-top:28px;aspect-ratio:16/10;border-radius:22px 22px 22px 120px;overflow:hidden}
.faq__img img{width:100%;height:100%;object-fit:cover}
.acc{border-top:1px solid var(--line)}
.acc__item{border-bottom:1px solid var(--line)}
.acc__q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:26px 0;text-align:left;font-family:var(--f-head);font-weight:600;font-size:clamp(18px,1.6vw,22px);letter-spacing:-.02em;line-height:1.3;transition:color .3s var(--ease)}
.acc__q:hover{color:var(--gold-deep)}
.acc__ic{flex:none;width:40px;height:40px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;font-size:15px;transition:transform .5s var(--ease),background-color .35s var(--ease),border-color .35s var(--ease),color .35s var(--ease)}
.acc__item.is-open .acc__ic{transform:rotate(45deg);background:var(--gold);border-color:var(--gold);color:var(--ink)}
.acc__a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .55s var(--ease)}
.acc__item.is-open .acc__a{grid-template-rows:1fr}
.acc__in{overflow:hidden;min-height:0}
.acc__in p{color:var(--muted);max-width:64ch;opacity:0;transform:translateY(-6px);transition:opacity .4s var(--ease),transform .5s var(--ease)}
.acc__in p:last-child{padding-bottom:28px}
.acc__item.is-open .acc__in p{opacity:1;transform:none;transition-delay:.12s}

/* ───────── Contact ───────── */
.contact{padding:var(--pad) 0;background:var(--stone)}
.contact__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,6vw,96px);align-items:start}
.contact__copy>p:not(.lead){color:var(--muted);max-width:54ch}
.contact .lead{color:var(--text);margin-bottom:16px}
.contact__lines{display:flex;flex-direction:column;gap:12px;margin-top:32px}
.contact__lines a{display:flex;align-items:center;gap:16px;font-family:var(--f-head);font-weight:600;font-size:clamp(18px,1.8vw,24px);letter-spacing:-.02em;transition:color .3s var(--ease)}
.contact__lines small{display:block;font-family:var(--f-body);font-weight:500;font-size:13px;color:var(--muted);letter-spacing:0}
.cl__ic{width:52px;height:52px;border-radius:50%;background:var(--ink);color:var(--gold-light);display:grid;place-items:center;font-size:20px;flex:none;transition:background-color .3s var(--ease),color .3s var(--ease)}
.contact__lines a:hover{color:var(--gold-deep)}
.contact__lines a:hover .cl__ic{background:var(--gold);color:var(--ink)}
.form{background:#fff;border-radius:28px;padding:clamp(24px,3vw,40px);display:flex;flex-direction:column;gap:18px;box-shadow:0 30px 60px -40px rgba(90,70,30,.35)}
.form__row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px}
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-family:var(--f-head);font-weight:600;font-size:14px;color:var(--text)}
.field input,.field select,.field textarea{font:inherit;font-size:16px;color:var(--text);background:var(--stone);border:1.5px solid transparent;border-radius:14px;padding:13px 16px;transition:border-color .3s var(--ease),background-color .3s var(--ease);width:100%}
.field textarea{resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background:#fff}
.field select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%,transparent 50%);background-position:calc(100% - 22px) 52%,calc(100% - 16px) 52%;background-size:6px 6px;background-repeat:no-repeat}
.form__err{color:#a3261b;font-size:14.5px;margin:0}
.form__btn{align-self:flex-start}

/* ───────── Footer ───────── */
.footer{background:var(--ink);color:rgba(255,255,255,.72);padding:clamp(56px,7vw,96px) 0 32px;font-size:15.5px}
.footer__top{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:24px 40px;padding-bottom:clamp(36px,4vw,56px);border-bottom:1px solid rgba(255,255,255,.12)}
.footer__logo{display:block;width:150px}
.footer__cta{justify-self:start}
.footer__toplinks{display:flex;gap:28px;font-family:var(--f-head);font-weight:600;color:#fff}
.footer__toplinks a,.footer__cols a,.footer__policies a{transition:color .3s var(--ease)}
.footer__toplinks a:hover,.footer__cols a:hover,.footer__policies a:hover{color:var(--gold-light)}
.footer__cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;padding:clamp(36px,4vw,56px) 0}
.footer__h{font-size:clamp(21px,1.8vw,25px);font-weight:700;letter-spacing:-.03em;margin-bottom:18px;color:var(--gold-light)}
.footer__cols ul{display:flex;flex-direction:column;gap:9px}
.footer__base{border-top:1px solid rgba(255,255,255,.12);padding-top:26px;display:flex;flex-direction:column;gap:14px;font-size:13.5px}
.footer__legal{margin:0;max-width:100ch;color:rgba(255,255,255,.55)}
.footer__meta{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px}
.footer__policies{display:flex;gap:22px}
.footer__credit{margin:0}
.footer__credit a{color:var(--gold-light);font-weight:600}
.footer__credit a:hover{color:var(--gold-hi)}

/* ───────── Reveal ───────── */
.js .reveal{opacity:0;transform:translate3d(0,28px,0)}

/* ───────── Responsive ───────── */
@media (max-width:1100px){
  .hdr__nav{gap:20px;font-size:14px}
  .hdr__phone{padding:0 16px}
}
@media (max-width:1023px){
  :root{--hdr:72px}
  .hdr__nav,.hdr__phone{display:none}
  .hdr__logo{width:104px}
  .hdr__toggle{display:inline-flex;flex-direction:column;justify-content:center;gap:7px;width:48px;height:48px;border-radius:50%;background:var(--gold-grad);color:var(--ink);outline:2px solid var(--gold);outline-offset:3px;align-items:center;position:relative;z-index:2;transition:background .45s var(--ease),color .45s var(--ease)}
  .hdr__toggle span{display:block;width:22px;height:2.5px;border-radius:2.5px;background:currentColor;transition:transform .55s var(--ease)}
  .menu-open .hdr__toggle span:first-child{transform:translateY(4.75px) rotate(45deg)}
  .menu-open .hdr__toggle span:last-child{transform:translateY(-4.75px) rotate(-45deg)}
  .site-header[data-state="hidden"],.site-header[data-state="shown"]{position:fixed}
  .site-header[data-state="hidden"]{transform:translate3d(0,calc(-100% - 24px),0);opacity:0;pointer-events:none}
  .site-header[data-state="shown"]{transform:translate3d(0,0,0);opacity:1;background:var(--ink);color:#fff;box-shadow:0 12px 30px -20px rgba(12,12,13,.6)}
  .site-header.is-anim{transition:transform .6s var(--ease),opacity .6s var(--ease),background-color .3s var(--ease)}
  .menu-open .site-header{background:transparent!important;color:#fff!important;box-shadow:none!important;transform:none!important;opacity:1!important;pointer-events:auto!important}
  .menu-open .site-header .logo-light{display:block!important}
  .menu-open .site-header .logo-dark{display:none!important}
  .menu-open .hdr__toggle{background:rgba(255,255,255,.18)!important;color:#fff}

  .lenders__head,.about__grid,.saving__grid,.areas__grid,.faq__grid,.contact__grid,.ins{grid-template-columns:minmax(0,1fr)}
  .portrait{max-width:380px}
  .uzma{grid-template-columns:minmax(0,1fr)}
  .uzma__bio{grid-column:1;grid-row:auto}
  .uzma__cols{grid-template-columns:minmax(0,1fr)}
  .faq__side{position:static}
  .saving__frame{margin:0;max-width:none;aspect-ratio:16/10}
  .saving__frame img{height:124%;margin-top:-12%}
  .h2,.h2--long{max-width:none;text-wrap:pretty}
  .lead,.areas__copy p,.about__copy p,.saving__copy p,.faq__side p{max-width:none;text-wrap:wrap}
}
@media (max-width:767px){
  body{font-size:16px}
  .hero__inner{padding-bottom:110px}
  .hero__title{font-size:clamp(56px,18vw,96px)}
  .hero__sub{font-size:18px;margin-bottom:24px}
  .hero__slide img{object-position:70% 50%}
  .hero__shade{background:linear-gradient(0deg,rgba(12,12,13,.92) 0%,rgba(12,12,13,.72) 38%,rgba(12,12,13,.15) 68%,rgba(12,12,13,.35) 100%)}
  .hero__arrows{height:52%;right:10px;opacity:.85}
  .hero__ctas .btn{flex:1 1 auto}
  .stairs__line{display:none}
  .stairs__list{grid-template-columns:minmax(0,1fr);gap:14px}
  .step:nth-child(n){margin-top:0}
  .step{display:grid;grid-template-columns:72px minmax(0,1fr);gap:0 26px;padding:22px}
  .step__num{grid-row:1/span 3;font-size:56px;margin:0;justify-self:start}
  .step h3,.step__time,.step p{grid-column:2}
  .step__time{justify-self:start}
  .services__pin{flex-direction:column;align-items:stretch;justify-content:center;padding:0;min-height:0}
  .services__intro{width:100%;padding:0 var(--gut) 50px}
  .services__intro .h2{font-size:clamp(32px,9vw,44px);margin-bottom:.3em}
  .services__intro p{font-size:clamp(14px,2.1svh,16px);line-height:1.55}
  .services__view{flex:none;width:100%;padding:0 0 4px var(--gut)}
  .card{width:min(76vw,320px)}
  .card__img{aspect-ratio:16/9;margin-bottom:12px}
  .card p{font-size:14px;line-height:1.55}
  .ins__row{grid-template-columns:96px minmax(0,1fr);gap:14px}
  .ins__row h3{font-size:16px}
  .form__row{grid-template-columns:minmax(0,1fr)}
  .form__btn{align-self:stretch}
  .footer__top{grid-template-columns:minmax(0,1fr)}
  .footer{padding-top:36px}
  .footer__toplinks{display:none}
  .footer__cols{grid-template-columns:minmax(0,1fr);gap:36px}
  .map{aspect-ratio:4/3.4}
}
@media (max-height:700px) and (max-width:767px){
  .services__intro{padding-bottom:50px}
  .services__intro p{font-size:13.5px}
  .card__img{aspect-ratio:2/1}
  .card p{font-size:13.2px;line-height:1.5}
  .card h3{font-size:18px}
}
@media (prefers-reduced-motion:reduce){
  .marquee__track{animation:none}
  .js .reveal{opacity:1;transform:none}
  .hero__arrows .ar{opacity:1}
  .stairs__line path{stroke-dashoffset:0}
  .services__pin{height:auto;min-height:0;padding-block:var(--pad);flex-direction:column;align-items:stretch}
  .services__intro{width:100%;padding:0 var(--gut) 40px}
  .services__view{overflow-x:auto;width:100%;padding-left:var(--gut)}
  *{transition-duration:.01ms!important}
}

/* ───────── Legal pages + 404 ───────── */
.legal-hdr{padding:18px 0;background:#fff}
.legal-hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px}
.legal-hdr img{width:118px}
.legal-hdr .btn{height:48px;padding:0 22px}
.legal{padding:clamp(40px,6vw,80px) 0 var(--pad)}
.legal .h2{margin-bottom:.6em}
.legal__body{max-width:76ch;color:var(--muted)}
.legal__body h2{font-size:clamp(22px,2vw,28px);color:var(--text);margin:1.6em 0 .6em}
.legal__body h3{font-size:18px;color:var(--text);margin:1.4em 0 .5em;letter-spacing:-.015em}
.legal__body ul{list-style:disc;padding-left:1.3em;margin:0 0 1em}
.legal__body li{margin-bottom:.35em}
.footer--slim{padding:32px 0}
.footer--slim .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;font-size:13.5px}
.nf{min-height:100svh;background:var(--ink);color:#fff;display:grid;place-items:center;text-align:center;padding:40px var(--gut);position:relative;overflow:hidden;isolation:isolate}
.nf__mark{position:absolute;z-index:-1;width:min(70vw,520px);left:50%;top:50%;margin:-50% 0 0 calc(min(70vw,520px) / -2);opacity:.08}
.nf__code{font-family:var(--f-head);font-weight:800;font-size:clamp(110px,24vw,260px);line-height:.85;letter-spacing:-.06em;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;margin:0 0 12px}
.nf h1{font-size:clamp(26px,3vw,40px);margin-bottom:12px}
.nf p{color:rgba(255,255,255,.72);max-width:44ch;margin:0 auto 28px}
.nf__logo{width:130px;margin:0 auto 40px}

/* ═════════ Chosen options: Outfit headings, footer 2 (big sign-off), button 3 (arrow chip) ═════════ */
@font-face{font-family:Outfit;src:url(/fonts/outfit-700.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:Outfit;src:url(/fonts/outfit-800.woff2) format("woff2");font-weight:800;font-display:swap}
.hf-2{--f-head:Outfit,ui-sans-serif,system-ui,sans-serif}
.hf-2 .h2,.hf-2 .hero__title{letter-spacing:-.035em}

/* hidden by default */
.hdr__util,.hdr__book,.footer__big,.footer__mark{display:none}

/* ── Footer 2: big sign-off ── */
.footer-2 .footer__big{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:24px 48px;padding-bottom:clamp(40px,5vw,72px);margin-bottom:clamp(36px,4vw,56px);border-bottom:1px solid rgba(255,255,255,.12)}
.footer-2 .footer__bigcta{font-family:var(--f-head);font-weight:800;font-size:clamp(48px,8.4vw,132px);line-height:.92;letter-spacing:-.05em;color:#fff;transition:color .35s var(--ease)}
.footer-2 .footer__bigcta .hl{background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.footer-2 .footer__bigcta:hover{color:var(--gold-light)}
.footer-2 .footer__biglines{display:flex;flex-direction:column;gap:6px;font-family:var(--f-head);font-weight:600;font-size:clamp(18px,1.6vw,22px);color:#fff}
.footer-2 .footer__biglines a:hover{color:var(--gold-light)}
.footer-2 .footer__top{border-bottom:0;padding-bottom:0}
.footer-2 .footer__cta{display:none}

/* ── Button 3: arrow chip pills ──
   Hover: a white fill sweeps in from the left (the button itself never moves),
   and the arrow shoots out of its chip top-right while a fresh one rises in from bottom-left. */
.btn-3 .btn{height:56px;position:relative;isolation:isolate;overflow:hidden;transition:color .6s cubic-bezier(.65,0,.35,1),border-color .6s cubic-bezier(.65,0,.35,1)}
.btn-3 .btn::before{content:"";position:absolute;inset:0;z-index:-1;border-radius:inherit;background:#fff;transform:scaleX(0);transform-origin:100% 50%;transition:transform .6s cubic-bezier(.65,0,.35,1)}
.btn-3 .btn:hover::before{transform:scaleX(1);transform-origin:0 50%}
.btn-3 .btn:hover{color:var(--ink)}
/* no border on gold: the gradient fills edge to edge and nothing gold peeks out around the white hover */
.btn-3 .btn--gold,.btn-3 .btn--gold:hover{border:0;background:var(--gold-grad);background-size:100% 100%;background-repeat:no-repeat;background-color:var(--gold)}
.btn-3 .btn--ink:hover{background:var(--ink);border-color:var(--ink)}
.btn-3 .btn--ghost:hover{background:transparent;border-color:#fff}
.btn-3 .btn:not(.btn--ghost){padding-right:8px;gap:14px}
.btn-3 .btn:not(.btn--ghost)::after{content:"";width:40px;height:40px;border-radius:50%;flex:none;background-color:var(--ink);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 256 256' fill='%23E4C054'%3E%3Cpath d='M204,64V168a12,12,0,0,1-24,0V93L72.49,200.49a12,12,0,0,1-17-17L163,76H88a12,12,0,0,1,0-24H192A12,12,0,0,1,204,64Z'/%3E%3C/svg%3E"),url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 256 256' fill='%23E4C054'%3E%3Cpath d='M204,64V168a12,12,0,0,1-24,0V93L72.49,200.49a12,12,0,0,1-17-17L163,76H88a12,12,0,0,1,0-24H192A12,12,0,0,1,204,64Z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-size:16px 16px;background-position:12px 12px,-18px 42px;transition:background-position .55s cubic-bezier(.65,0,.35,1)}
.btn-3 .btn:not(.btn--ghost):hover::after{background-position:42px -18px,12px 12px}
.btn-3 .btn--ink::after{background-color:var(--gold)!important;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 256 256' fill='%230c0c0d'%3E%3Cpath d='M204,64V168a12,12,0,0,1-24,0V93L72.49,200.49a12,12,0,0,1-17-17L163,76H88a12,12,0,0,1,0-24H192A12,12,0,0,1,204,64Z'/%3E%3C/svg%3E"),url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 256 256' fill='%230c0c0d'%3E%3Cpath d='M204,64V168a12,12,0,0,1-24,0V93L72.49,200.49a12,12,0,0,1-17-17L163,76H88a12,12,0,0,1,0-24H192A12,12,0,0,1,204,64Z'/%3E%3C/svg%3E")!important}
.btn-3 .btn .ic{transition:transform .55s cubic-bezier(.65,0,.35,1)}
.btn-3 .btn--ghost:hover .ic{transform:rotate(-14deg) scale(1.12);color:var(--gold-deep)}

@media (max-width:767px){
  .footer-2 .footer__bigcta{font-size:clamp(44px,13vw,72px)}
}

/* ── Mobile sticky header: compact Book button beside the menu toggle ── */
@media (max-width:1023px){
  .site-header .hdr__book{display:inline-flex;margin-left:auto;margin-right:10px;height:42px;padding:0 18px;gap:0;font-size:14px;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .45s var(--ease),visibility 0s .45s,color .6s cubic-bezier(.65,0,.35,1),border-color .6s cubic-bezier(.65,0,.35,1)}
  .site-header .hdr__book::after{display:none}
  .site-header[data-state="shown"] .hdr__book{opacity:1;visibility:visible;pointer-events:auto;transition:opacity .45s var(--ease) .1s,visibility 0s,color .6s cubic-bezier(.65,0,.35,1),border-color .6s cubic-bezier(.65,0,.35,1)}
  .menu-open .site-header .hdr__book{opacity:0;visibility:hidden;pointer-events:none}
}
@media (max-width:379px){
  .site-header .hdr__book{height:40px;padding:0 13px;font-size:13px;margin-right:8px}
  .site-header .hdr__logo{width:92px}
}