:root {
  --ink: #132033;
  --muted: #667386;
  --navy: #071827;
  --navy-2: #0c2439;
  --gold: #dcae42;
  --gold-soft: #f1cf79;
  --cream: #f7f4ed;
  --line: #e4e8ed;
  --blue: #15558b;
  --green: #08755e;
  --white: #ffffff;
  --bg: #f4f6f8;
  --shadow: rgba(10, 30, 50, 0.06);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
  line-height: 1.68;
  background: #ffffff;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
}

h1,
h2,
h3,
.brand-text,
.flow-card b,
.card h3,
.cta-bar h3,
.info-card h3 {
  font-family: Georgia, "Times New Roman", serif;
  letter-spacing: -0.025em;
  line-height: 1.12;
}

.site-header {
  background: rgba(245, 245, 242, 0.94);
  color: var(--ink);
  border-bottom: none;
}

.navbar {
  min-height: 76px;
  background: transparent;
  box-shadow: none;
}

.navbar-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink) !important;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.brand-logo {
  display: block;
  height: 32px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
}

.footer-logo {
  height: 28px;
}

.brand-mark-small {
  width: 30px;
  height: 30px;
  margin: 0 auto 8px;
}

.navbar-nav {
  align-items: center;
}

.nav-link {
  color: #465365 !important;
  font-size: 0.82rem;
  transition: color 180ms ease;
}

.nav-link:hover,
.nav-link:focus {
  color: var(--ink) !important;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold-soft), var(--gold));
  border: 1px solid rgba(220, 174, 66, 0.8);
  border-radius: 8px;
  color: var(--navy);
  font-weight: 800;
  padding: 0.9rem 1.3rem;
  box-shadow: 0 12px 26px rgba(220, 174, 66, 0.16);
  transition: transform 160ms ease, box-shadow 160ms ease;
}

.btn-primary:hover,
.btn-primary:focus {
  background: linear-gradient(135deg, #f3d27c, #d6a73b);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 16px 30px rgba(220, 174, 66, 0.18);
}

.btn-secondary {
  background: transparent;
  border: 1px solid rgba(19, 32, 51, 0.18);
  border-radius: 8px;
  color: var(--ink);
  font-weight: 800;
  padding: 0.9rem 1.3rem;
  box-shadow: none;
  transition: transform 160ms ease, background-color 160ms ease, border-color 160ms ease;
}

.btn-secondary:hover,
.btn-secondary:focus {
  background: rgba(19, 32, 51, 0.03);
  border-color: rgba(19, 32, 51, 0.28);
  color: var(--ink);
  transform: translateY(-2px);
}

.btn-outline-light {
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: #ffffff;
  background: transparent;
  font-weight: 800;
  padding: 0.9rem 1.3rem;
}

.hero {
  background: linear-gradient(135deg, var(--navy), #0e2d46);
  color: #ffffff;
  padding: 92px 0 105px;
}

.hero-inner {
  max-width: 1080px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--gold);
}

.eyebrow::before {
  content: "";
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  margin-right: 0.65rem;
}

.eyebrow-dark {
  color: var(--blue);
}

.eyebrow-dark::before {
  background: var(--blue);
}

.hero h1 {
  margin: 17px 0 25px;
  max-width: 930px;
  font-size: clamp(3rem, 7vw, 5.5rem);
  line-height: 0.95;
}

.hero p {
  font-size: 1.12rem;
  color: #c8d5df;
  max-width: 760px;
  margin: 0;
}

.hero-note {
  margin-top: 28px;
  color: #aebfcd;
  font-size: 0.82rem;
  max-width: 700px;
}

.section {
  padding: 82px 0;
}

.section-heading {
  max-width: 820px;
  margin-bottom: 2rem;
}

.section-heading.narrow {
  max-width: 640px;
}

.section-heading h2 {
  margin: 10px 0 0;
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
}

.article-layout {
  max-width: 860px;
}

.article-copy {
  max-width: 820px;
}

.article-copy p {
  margin: 0 0 22px;
  font-size: 1.03rem;
  color: #465365;
}

.article-copy strong {
  color: var(--ink);
}

.article-copy-light p,
.article-copy-light strong {
  color: #d7e3ee;
}

.callout {
  margin: 35px 0;
  padding: 28px 30px;
  border: 1px solid rgba(19, 32, 51, 0.08);
  background: rgba(247, 244, 237, 0.72);
  border-radius: 20px;
  box-shadow: 0 12px 30px rgba(10, 30, 50, 0.02);
}

.callout strong {
  display: block;
  font-size: clamp(1.7rem, 2vw, 2.2rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
  font-weight: 700;
  margin-bottom: 10px;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
}

.callout-light {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.12);
  color: #ffffff;
}

.callout-light strong {
  color: #ffffff;
}

.section-dark {
  background: var(--navy);
  color: #ffffff;
}

.section-dark .section-heading h2,
.section-dark .eyebrow,
.section-dark .article-copy p,
.section-dark .article-copy strong {
  color: #ffffff;
}

.section-dark .callout-light {
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.04);
}

.section-soft {
  background: linear-gradient(135deg, #f7f4ed, #ffffff);
}

.split-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
  margin-top: 18px;
}

.info-card {
  padding: 36px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #ffffff;
  box-shadow: 0 12px 35px rgba(10, 30, 50, 0.06);
}

.card-lender {
  background: #f0f8f5;
}

.card-kicker {
  display: inline-block;
  font-size: 0.68rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--muted);
}

.borrower-kicker {
  color: var(--blue);
}

.lender-kicker {
  color: var(--green);
}

.info-card h3 {
  margin: 10px 0 14px;
  font-size: clamp(1.8rem, 1.6vw, 2.3rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
  color: var(--ink);
}

.info-card p {
  color: var(--muted);
  margin-bottom: 1rem;
}

.info-card ul {
  margin: 0;
  padding-left: 1.1rem;
  color: #526072;
}

.info-card li + li {
  margin-top: 0.6rem;
}

.fits-box {
  max-width: 980px;
  margin: 0 auto;
}

.fits-box h2 {
  margin: 10px 0 18px;
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.fits-box p {
  max-width: 760px;
  margin: 0 auto;
  color: #566477;
  font-size: 1.04rem;
}

.flow-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 72px minmax(0, 1.24fr) 72px minmax(0, 1fr);
  align-items: stretch;
  gap: 18px;
  margin: 52px 0 34px;
}

.flow-step {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 180px;
  padding: 26px 22px 24px;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(19, 32, 51, 0.08);
  border-radius: 18px;
  box-shadow: 0 10px 30px rgba(10, 30, 50, 0.03);
}

.flow-step-center {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(248, 244, 233, 0.9));
  border-color: rgba(220, 174, 66, 0.45);
  box-shadow: 0 18px 40px rgba(220, 174, 66, 0.12);
}

.flow-tag {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  margin-bottom: 12px;
  font-size: 0.68rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--muted);
}

.flow-step h3 {
  margin: 0 0 10px;
  font-size: clamp(1.6rem, 2vw, 2.7rem);
  line-height: 1.04;
  letter-spacing: -0.04em;
}

.flow-step p {
  margin: 0;
  color: var(--muted);
  font-size: 0.96rem;
  line-height: 1.5;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin: 0 auto 12px;
  border-radius: 12px;
  background: #ffffff;
  box-shadow: 0 8px 18px rgba(19, 32, 51, 0.1);
  overflow: hidden;
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.flow-connector {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 48px;
  color: var(--gold);
}

.flow-line {
  position: absolute;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, rgba(220, 174, 66, 0.18), var(--gold), rgba(220, 174, 66, 0.18));
}

.flow-node {
  position: relative;
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border: 1px solid rgba(220, 174, 66, 0.55);
  border-radius: 50%;
  background: var(--cream);
  font-size: 1.55rem;
  line-height: 1;
  transition: transform 180ms ease, background-color 180ms ease, box-shadow 180ms ease;
}

.flow-connector:hover .flow-node {
  transform: translateX(3px);
  background: #ffffff;
  box-shadow: 0 5px 14px rgba(220, 174, 66, 0.22);
}

.cta-bar {
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 22px;
  background: linear-gradient(145deg, #0b2233, #071827);
  color: #ffffff;
  padding: 38px 42px;
  box-shadow: 0 18px 44px rgba(7, 24, 39, 0.14), inset 0 1px 0 rgba(255, 255, 255, 0.06);
}

.cta-bar::after {
  content: "";
  position: absolute;
  top: 0;
  left: 42px;
  width: 72px;
  height: 2px;
  background: var(--gold-soft);
  opacity: 0.9;
}

.cta-kicker {
  margin-bottom: 10px;
  color: var(--gold-soft);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.cta-bar h3 {
  max-width: 440px;
  margin: 0 0 10px;
  font-size: clamp(1.8rem, 3vw, 2.55rem);
  line-height: 1.02;
}

.cta-bar p {
  max-width: 410px;
  margin: 0;
  color: #b8c8d5;
  font-size: 0.94rem;
  line-height: 1.55;
}

.cta-actions {
  display: flex;
  align-items: center;
  gap: 11px;
  flex-wrap: wrap;
}

.cta-actions .btn {
  min-height: 50px;
  white-space: nowrap;
  transition: transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease;
}

.cta-actions .btn:active {
  transform: scale(0.97);
}

.faq-wrap {
  max-width: 960px;
}

.faq-card {
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  background: #ffffff;
}

.accordion-item {
  border: none;
  border-bottom: 1px solid var(--line);
}

.accordion-item:last-child {
  border-bottom: 0;
}

.accordion-button {
  background: transparent;
  color: var(--ink);
  font-weight: 800;
  padding: 1.2rem 1.3rem;
}

.accordion-button:not(.collapsed) {
  color: var(--ink);
  background: transparent;
  box-shadow: none;
}

.accordion-button::after {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23132033'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}

.accordion-body {
  color: var(--muted);
  padding: 0 1.3rem 1.3rem;
  line-height: 1.7;
}

.site-footer {
  background: rgba(245, 245, 242, 0.94);
  color: var(--ink);
  padding: 52px 0 28px;
  border-top: 1px solid rgba(19, 32, 51, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(220px, 1.4fr) repeat(3, minmax(140px, 1fr));
  gap: 32px;
  align-items: start;
}

.footer-brand-block {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 700;
}

.footer-summary {
  max-width: 280px;
  margin: 0;
  color: var(--muted);
  font-size: 0.82rem;
  line-height: 1.7;
}

.footer-column h3 {
  margin: 0 0 16px;
  font-size: 0.74rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--ink);
}

.footer-column ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.footer-column a {
  color: #465365;
  font-size: 0.9rem;
  transition: color 150ms ease;
}

.footer-column a:hover,
.footer-column a:focus-visible {
  color: var(--ink);
}

.footer-disclaimer {
  margin-top: 30px;
  border-top: 1px solid rgba(19, 32, 51, 0.08);
  padding-top: 20px;
  font-size: 0.69rem;
  line-height: 1.6;
  color: var(--muted);
}

@media (max-width: 640px) {
  .site-footer {
    padding-top: 38px;
    padding-bottom: 20px;
  }

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px 16px;
  }

  .footer-brand-block {
    grid-column: 1 / -1;
    gap: 12px;
  }

  .footer-summary {
    max-width: none;
    font-size: 0.78rem;
  }

  .footer-column h3 {
    margin-bottom: 10px;
    letter-spacing: 0.14em;
    font-size: 0.68rem;
  }

  .footer-column ul {
    gap: 8px;
  }

  .footer-column a {
    font-size: 0.8rem;
    line-height: 1.45;
  }

  .footer-disclaimer {
    font-size: 0.68rem;
  }
}

.navbar-toggler {
  border: none;
  border-radius: 10px;
  padding: 0.45rem 0.55rem;
  background: rgba(19, 32, 51, 0.03);
}

.navbar-toggler:focus {
  box-shadow: none;
}

.navbar-toggler-icon {
  width: 1.1rem;
  height: 1.1rem;
  filter: invert(0);
}

@media (max-width: 800px) {
  .site-header {
    background: rgba(245, 245, 242, 0.98);
  }

  .navbar {
    min-height: auto;
    padding-top: 0.75rem;
    padding-bottom: 0;
    padding-left: 0;
    padding-right: 0;
  }

  .navbar > .container {
    padding-left: 0;
    padding-right: 0;
  }

  .navbar-collapse {
    margin-top: 0;
    width: 100vw;
    max-width: 100vw;
    margin-left: calc(50% - 50vw);
    margin-right: calc(50% - 50vw);
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(18px) saturate(1.2);
    -webkit-backdrop-filter: blur(18px) saturate(1.2);
    border: 1px solid rgba(19, 32, 51, 0.08);
    border-left: 0;
    border-right: 0;
    border-radius: 0;
    padding: 0.45rem 0;
    box-shadow: 0 20px 40px rgba(10, 30, 50, 0.08), inset 0 1px 0 rgba(255, 255, 255, 0.8);
    transform-origin: top center;
    animation: menuSlideDown 220ms ease-out;
  }

  .navbar-nav {
    align-items: stretch;
    gap: 0;
    width: 100%;
    padding: 0;
    margin: 0;
  }

  .navbar-nav .nav-item {
    width: 100%;
  }

  .navbar-nav .nav-link {
    display: block;
    padding: 0.9rem 1rem;
    border-radius: 0;
    font-size: 0.95rem;
    transition: background-color 160ms ease, transform 160ms ease;
  }

  .navbar-nav .nav-link:hover,
  .navbar-nav .nav-link:focus {
    background: rgba(19, 32, 51, 0.03);
    transform: translateX(2px);
  }

  .navbar-nav .btn-primary,
  .navbar-nav .btn-secondary {
    width: calc(100% - 1.5rem);
    margin: 0.4rem auto 0;
    display: block;
    text-align: center;
    padding-top: 0.9rem;
    padding-bottom: 0.9rem;
  }

  .hero {
    padding: 70px 0 80px;
  }

  .split-grid,
  .flow-grid {
    grid-template-columns: 1fr;
  }

  .flow-step {
    min-height: 0;
    padding: 22px 18px;
  }

  .flow-connector {
    min-height: 42px;
    min-width: 0;
  }

  .flow-line {
    top: 0;
    bottom: 0;
    left: 50%;
    right: auto;
    width: 1px;
    height: auto;
    background: linear-gradient(180deg, rgba(220, 174, 66, 0.16), var(--gold), rgba(220, 174, 66, 0.16));
  }

  .flow-node {
    transform: rotate(90deg);
  }

  .flow-connector:hover .flow-node {
    transform: rotate(90deg) translateX(3px);
  }

  .cta-bar {
    flex-direction: column;
    align-items: flex-start;
    gap: 26px;
    padding: 30px 24px 24px;
  }

  .cta-bar::after {
    left: 24px;
  }

  .cta-actions {
    width: 100%;
    align-items: stretch;
    flex-direction: column;
    gap: 10px;
  }

  .cta-actions .btn {
    width: 100%;
  }

  .footer-row {
    flex-direction: column;
    align-items: flex-start;
  }
}

@keyframes menuSlideDown {
  from {
    opacity: 0;
    transform: translateY(-10px) scaleY(0.96);
  }
  to {
    opacity: 1;
    transform: translateY(0) scaleY(1);
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* Refined visual system */
:root {
  --ink: #17202a;
  --ink-soft: #4f5c68;
  --navy: #101b27;
  --navy-soft: #1b2c3c;
  --accent: #d6a93a;
  --accent-soft: #f2d98d;
  --surface: #f5f6f7;
  --surface-raised: #ffffff;
  --surface-tint: #e9f0f2;
  --line: #dce2e6;
  --shadow: 0 24px 70px rgba(17, 34, 48, 0.09);
}

html {
  scroll-padding-top: 76px;
}

body {
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Text", "Segoe UI", sans-serif;
  background: var(--surface);
  line-height: 1.62;
}

h1,
h2,
h3,
.brand-text,
.flow-card b,
.card h3,
.cta-bar h3,
.info-card h3 {
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Segoe UI", sans-serif;
  font-weight: 700;
  letter-spacing: -0.04em;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(245, 246, 247, 0.84);
  border-bottom: 1px solid rgba(220, 226, 230, 0.82);
  backdrop-filter: saturate(1.4) blur(18px);
  -webkit-backdrop-filter: saturate(1.4) blur(18px);
}

.navbar {
  min-height: 72px;
}

.brand-logo {
  height: 29px;
}

.nav-link {
  color: var(--ink-soft) !important;
  font-size: 0.84rem;
  font-weight: 600;
  padding: 0.7rem 0.6rem !important;
}

.nav-link:hover,
.nav-link:focus {
  color: var(--ink) !important;
}

.btn-primary {
  background: var(--accent);
  border: 1px solid var(--accent);
  border-radius: 10px;
  color: #1b2430;
  padding: 0.76rem 1.05rem;
  box-shadow: 0 8px 20px rgba(214, 169, 58, 0.2);
}

.btn-primary:hover,
.btn-primary:focus {
  background: #e1b84d;
  border-color: #e1b84d;
  color: #1b2430;
  transform: translateY(-1px);
  box-shadow: 0 10px 24px rgba(214, 169, 58, 0.25);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 104px 0 112px;
  background:
    radial-gradient(circle at 82% 18%, rgba(85, 142, 164, 0.24), transparent 28%),
    linear-gradient(120deg, var(--navy) 0%, #132a3c 100%);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.24;
  background-image: linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(90deg, black, transparent 82%);
}

.hero-inner {
  position: relative;
  max-width: 1180px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(270px, 0.75fr);
  align-items: end;
  gap: clamp(48px, 8vw, 128px);
}

.hero-copy {
  max-width: 760px;
}

.eyebrow {
  font-size: 0.68rem;
  letter-spacing: 0.17em;
  color: var(--accent-soft);
}

.eyebrow::before {
  width: 6px;
  height: 6px;
  margin-right: 0.55rem;
  background: currentColor;
}

.hero h1 {
  max-width: 720px;
  margin: 20px 0 25px;
  font-size: clamp(3.4rem, 8vw, 7.2rem);
  font-weight: 650;
  letter-spacing: -0.065em;
  line-height: 0.93;
}

.hero p {
  max-width: 640px;
  color: #d4e0e8;
  font-size: clamp(1.05rem, 1.3vw, 1.2rem);
  line-height: 1.55;
}

.hero-note {
  max-width: 560px;
  margin-top: 24px;
  color: #9fb3c2;
  font-size: 0.86rem;
}

.hero-link {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  margin-top: 35px;
  min-height: 44px;
  color: #ffffff;
  font-size: 0.92rem;
  font-weight: 700;
  border-bottom: 1px solid rgba(242, 217, 141, 0.7);
}

.hero-link span {
  color: var(--accent-soft);
  transition: transform 180ms ease;
}

.hero-link:hover span,
.hero-link:focus span {
  transform: translateY(3px);
}

.hero-panel {
  padding: 25px 25px 22px;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.075);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  animation: panelReveal 700ms 120ms both cubic-bezier(0.2, 0.8, 0.2, 1);
}

.panel-label,
.panel-foot {
  color: #acc0cc;
  font-size: 0.74rem;
  line-height: 1.4;
}

.panel-rule {
  height: 1px;
  margin: 21px 0 5px;
  background: rgba(255, 255, 255, 0.16);
}

.panel-stat {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 2px 13px;
  padding: 17px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.panel-stat strong {
  grid-row: span 2;
  color: var(--accent-soft);
  font-size: 1rem;
  font-weight: 700;
}

.panel-stat span {
  font-size: 0.9rem;
  font-weight: 700;
}

.panel-stat p {
  margin: 0;
  color: #acc0cc;
  font-size: 0.8rem;
  line-height: 1.45;
}

.panel-foot {
  padding-top: 17px;
}

.section {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--surface);
}

.section-heading {
  max-width: 780px;
  margin-bottom: 2.5rem;
}

.section-heading h2,
.fits-box h2 {
  margin-top: 13px;
  font-size: clamp(2.2rem, 4.8vw, 4.5rem);
  font-weight: 650;
  line-height: 1.02;
}

.eyebrow-dark {
  color: #3d7387;
}

.article-layout,
.faq-wrap {
  max-width: 900px;
}

.article-copy {
  max-width: 710px;
  margin-left: clamp(0px, 8vw, 104px);
}

.article-copy p {
  color: var(--ink-soft);
  font-size: 1.05rem;
  line-height: 1.75;
}

.article-copy strong {
  color: var(--ink);
}

.callout {
  margin: 36px 0;
  padding: 26px 28px;
  border: 0;
  border-radius: 0;
  background: #e9eef0;
  box-shadow: none;
}

.callout strong {
  font-family: inherit;
  font-size: 1.35rem;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: -0.025em;
}

.section-dark {
  background: var(--navy);
}

.section-dark .article-copy p,
.section-dark .article-copy strong {
  color: #d7e3eb;
}

.callout-light {
  background: rgba(255, 255, 255, 0.075);
  border: 0;
}

.callout-light strong {
  color: #ffffff;
}

.split-grid {
  gap: 20px;
  margin-top: 28px;
}

.info-card {
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--surface-raised);
  box-shadow: 0 12px 35px rgba(10, 30, 50, 0.045);
}

.info-card:hover {
  border-color: #b8c9d0;
}

.card-lender {
  background: var(--surface-tint);
}

.info-card h3 {
  font-size: clamp(1.65rem, 2vw, 2.2rem);
  letter-spacing: -0.045em;
}

.info-card p,
.info-card ul {
  color: var(--ink-soft);
}

.section-soft {
  background: #e7edef;
}

.fits-box {
  max-width: 1120px;
}

.fits-box > p {
  max-width: 680px;
  margin-left: 0;
  color: var(--ink-soft);
}

.flow-grid {
  grid-template-columns: minmax(0, 1fr) 64px minmax(0, 1.1fr) 64px minmax(0, 1fr);
  gap: 12px;
  margin: 52px 0 38px;
}

.flow-step {
  min-height: 186px;
  padding: 25px 22px;
  border: 1px solid #d1dce0;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.58);
  box-shadow: none;
}

.flow-step-center {
  border-color: rgba(214, 169, 58, 0.65);
  background: #ffffff;
  box-shadow: 0 16px 40px rgba(17, 34, 48, 0.08);
}

.flow-step h3 {
  font-size: clamp(1.45rem, 2vw, 2.15rem);
}

.flow-node {
  background: #e7edef;
}

.cta-bar {
  border-radius: 14px;
  background: var(--navy);
  box-shadow: 0 22px 50px rgba(17, 34, 48, 0.15);
}

.cta-actions .btn {
  min-height: 48px;
}

.faq-section {
  background: var(--surface-raised);
}

.faq-card {
  border-radius: 14px;
  box-shadow: 0 12px 35px rgba(10, 30, 50, 0.05);
}

.accordion-button {
  min-height: 62px;
  padding: 1.2rem 1.35rem;
  font-size: 1rem;
}

.site-footer {
  background: rgba(245, 245, 242, 0.94);
  color: var(--ink);
  border-top: 1px solid rgba(19, 32, 51, 0.08);
}

.footer-disclaimer {
  max-width: 920px;
}

@keyframes panelReveal {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 800px) {
  .hero {
    padding: 76px 0 86px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }

  .hero h1 {
    font-size: clamp(3.4rem, 17vw, 5.5rem);
  }

  .hero-panel {
    max-width: 520px;
  }

  .flow-grid {
    grid-template-columns: 1fr;
    display: flex;
    flex-direction: column;
    gap: 0;
  }

  .flow-step {
    width: 100%;
  }

  .flow-connector {
    width: 100%;
    min-height: 42px;
    min-width: 0;
  }

  .article-copy {
    margin-left: 0;
  }

  .section-heading h2,
  .fits-box h2 {
    font-size: clamp(2.35rem, 10vw, 3.6rem);
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-panel {
    animation: none;
  }
}

/* Where CoinMarketly fits */
.market {
  --market-bg: #e7edef;
  max-width: 1120px;
}

.market .section-heading h2 {
  text-wrap: balance;
}

.market-lede {
  max-width: 640px;
  margin: 1.25rem 0 0;
  color: var(--ink-soft);
  font-size: 1.04rem;
}

.market-map {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(190px, 0.4fr) minmax(0, 1fr);
  align-items: stretch;
}

.market-side {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 48px;
  min-height: 300px;
  padding: clamp(24px, 3vw, 36px);
  border-radius: 20px;
}

.market-role {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 600;
}

.market-side h3 {
  margin: auto 0 0;
  font-size: clamp(1.9rem, 3vw, 2.9rem);
  font-weight: 700;
  line-height: 1.02;
}

.market-side > p:last-child {
  max-width: 300px;
  margin: 12px 0 0;
  font-size: 1rem;
  line-height: 1.5;
}

.market-side-borrower {
  background: var(--surface-raised);
  border: 1px solid #d1dce0;
  color: var(--ink);
}

.market-side-borrower .market-role { color: #3d7387; }
.market-side-borrower > p:last-child { color: var(--ink-soft); }

.market-side-lender {
  background: var(--navy);
  border: 1px solid var(--navy);
  box-shadow: 0 22px 50px rgba(17, 34, 48, 0.15);
  color: #fff;
}

.market-side-lender h3 { color: #fff; }
.market-side-lender .market-role { color: var(--accent-soft); }
.market-side-lender > p:last-child { color: #b8c8d5; }

.market-bridge {
  position: relative;
  align-self: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.market-bridge::before {
  position: absolute;
  top: 34px;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--accent);
  content: "";
}

.market-node {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 68px;
  height: 68px;
  border: 1px solid var(--accent);
  border-radius: 50%;
  background: var(--surface-raised);
  box-shadow: 0 0 0 8px var(--market-bg);
}

.market-node img {
  width: 38px;
  height: 38px;
  object-fit: contain;
}

.market-bridge h3 {
  margin: 18px 0 4px;
  padding: 0 12px;
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.market-bridge p {
  margin: 0;
  padding: 0 12px;
  color: var(--ink-soft);
  font-size: 0.9rem;
  line-height: 1.45;
}

.market-map > .flow-connector { display: none; }

.market-cta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px 40px;
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid #c5d2d7;
}

.market-cta h3 {
  margin: 0 0 6px;
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  font-weight: 700;
  line-height: 1.1;
}

.market-cta p { margin: 0; color: var(--ink-soft); }

.market-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.market-actions .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 1.5rem;
  white-space: nowrap;
}

.market-actions .btn:active { transform: scale(0.98); }

@media (max-width: 991.98px) {
  .market-map { grid-template-columns: 1fr; }
  .market-side { min-height: 0; gap: 32px; border-radius: 18px; }
  .market-side h3 { margin-top: 0; }
  .market-bridge {
    align-self: stretch;
    display: grid;
    grid-template-columns: 68px 1fr;
    column-gap: 16px;
    align-items: center;
    padding: 20px 0;
    text-align: left;
  }
  .market-bridge::before {
    top: 0;
    bottom: 0;
    left: 34px;
    right: auto;
    width: 1px;
    height: auto;
  }
  .market-node { grid-row: 1 / 3; }
  .market-bridge h3 { align-self: end; margin: 0; padding: 0; }
  .market-bridge p { align-self: start; padding: 0; }
  .market-cta { flex-direction: column; align-items: stretch; margin-top: 40px; }
  .market-actions { flex-direction: column; }
  .market-actions .btn { width: 100%; }
}