/* ================================================
   NECTAR SPONSOR LANDING PAGE — STYLESHEET
   Brand: Navy #01041D | Ultra #971BFF | Cream #F8F8F3 | White #FFFFFF
   Font: Manrope (Google Fonts)
   ================================================ */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy:   #01041D;
  --ultra:  #971BFF;
  --cream:  #F8F8F3;
  --white:  #FFFFFF;
  --navy-mid: #090c2a;
  --ultra-dim: rgba(151, 27, 255, 0.12);
  --ultra-border: rgba(151, 27, 255, 0.3);
  --text-muted: rgba(248, 248, 243, 0.65);
  --text-muted-dark: rgba(1, 4, 29, 0.6);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --transition: 0.22s ease;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  background-color: var(--navy);
  color: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), border-color var(--transition), opacity var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
  text-decoration: none;
}
.btn-primary {
  background: var(--ultra);
  color: var(--white);
  border-color: var(--ultra);
  padding: 12px 24px;
}
.btn-primary:hover {
  background: #7e0fe0;
  border-color: #7e0fe0;
}
.btn-ghost {
  background: transparent;
  color: var(--cream);
  border-color: rgba(248,248,243,0.35);
  padding: 12px 24px;
}
.btn-ghost:hover {
  border-color: var(--cream);
  background: rgba(248,248,243,0.07);
}
.btn-lg {
  font-size: 16px;
  padding: 16px 32px;
}
.btn-sm {
  font-size: 13px;
  padding: 8px 16px;
}
.btn-full {
  width: 100%;
}

/* ================================================
   NAVIGATION
   ================================================ */
.nav-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 0;
  transition: background var(--transition), box-shadow var(--transition);
}
.nav-wrapper.scrolled {
  background: var(--navy);
  box-shadow: 0 2px 24px rgba(0,0,0,0.4);
}
.nav-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  height: 70px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-logo img {
  height: 30px;
  width: auto;
}
.nav-links {
  display: flex;
  gap: 28px;
  margin-left: auto;
}
.nav-links a {
  font-size: 14px;
  font-weight: 600;
  color: rgba(248,248,243,0.8);
  letter-spacing: 0.02em;
  transition: color var(--transition);
}
.nav-links a:hover {
  color: var(--white);
}
.nav-cta {
  margin-left: 12px;
  padding: 10px 22px;
  font-size: 14px;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--cream);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

/* ================================================
   HERO
   ================================================ */
.hero {
  background: var(--navy);
  padding-top: 70px;
  position: relative;
  overflow: hidden;
}
.hero-glow {
  position: absolute;
  top: -120px;
  left: 50%;
  transform: translateX(-50%);
  width: 900px;
  height: 600px;
  background: radial-gradient(ellipse at center, rgba(151,27,255,0.22) 0%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 48px;
  align-items: center;
  padding-top: 64px;
  padding-bottom: 52px;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--ultra);
  border: 1px solid var(--ultra-border);
  border-radius: 100px;
  padding: 6px 16px;
  margin-bottom: 20px;
  background: var(--ultra-dim);
}
.hero-headline {
  font-size: clamp(32px, 4.2vw, 52px);
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}
.headline-accent {
  color: var(--ultra);
}
.hero-sub {
  font-size: 16px;
  font-weight: 400;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 520px;
}
.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* Hero Card */
.hero-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(151,27,255,0.25);
  border-radius: var(--radius-lg);
  padding: 24px;
  backdrop-filter: blur(10px);
}
.card-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--ultra);
  margin-bottom: 12px;
}
.glance-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}
.glance-list li {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.glance-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}
.glance-key {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  white-space: nowrap;
  padding-top: 2px;
  flex-shrink: 0;
}
.glance-val {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  text-align: right;
}

/* Stats Bar */
.stats-bar {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 28px 0;
  position: relative;
  z-index: 1;
}
.stats-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
}
.stat {
  flex: 1;
  text-align: center;
  padding: 0 24px;
}
.stat-val {
  font-size: 28px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.stat-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-top: 6px;
}
.stat-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.12);
  flex-shrink: 0;
}

/* ================================================
   PRESS ROW
   ================================================ */
.press-section {
  background: rgba(255,255,255,0.03);
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 32px 0;
}
.press-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--text-muted);
  text-align: center;
  margin-bottom: 22px;
}
.press-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 32px 40px;
}
.press-logos img {
  height: 22px;
  width: auto;
  opacity: 0.5;
  filter: brightness(0) invert(1);
  transition: opacity var(--transition);
}
.press-logos img:hover {
  opacity: 0.8;
}

/* ================================================
   SECTION DEFAULTS
   ================================================ */
.light-section {
  background: var(--cream);
  color: var(--navy);
  padding: 100px 0;
}
.dark-section {
  background: var(--navy-mid);
  color: var(--cream);
  padding: 100px 0;
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-header-light {
  text-align: center;
  margin-bottom: 60px;
}
.section-tag {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--ultra);
  margin-bottom: 12px;
  text-transform: uppercase;
}
.section-tag-light {
  color: var(--ultra);
}
.section-header h2,
.section-header-light h2 {
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.light-section .section-header h2 { color: var(--navy); }
.dark-section .section-header-light h2 { color: var(--white); }
.section-intro {
  font-size: 18px;
  color: var(--text-muted-dark);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.65;
}
.section-intro-light {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ================================================
   WHAT NECTAR OFFERS
   ================================================ */
.offer-body {
  font-size: 17px;
  color: var(--text-muted-dark);
  line-height: 1.75;
  max-width: 760px;
  margin: 0 auto 60px;
  text-align: center;
}
.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--white);
  border: 1px solid rgba(1,4,29,0.08);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.feature-card:hover {
  box-shadow: 0 8px 32px rgba(151,27,255,0.1);
  transform: translateY(-2px);
}
.feature-icon {
  font-size: 28px;
  margin-bottom: 16px;
}
.feature-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.3;
}
.feature-card p {
  font-size: 14px;
  color: var(--text-muted-dark);
  line-height: 1.65;
}

/* ================================================
   USE OF CAPITAL
   ================================================ */
.use-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.use-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(151,27,255,0.18);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  transition: border-color var(--transition), background var(--transition);
}
.use-card:hover {
  border-color: rgba(151,27,255,0.4);
  background: rgba(255,255,255,0.06);
}
.use-icon {
  font-size: 28px;
  margin-bottom: 14px;
}
.use-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.use-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ================================================
   DEAL QUALIFICATION
   ================================================ */
.qual-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}
.qual-col {
  border-radius: var(--radius-md);
  overflow: hidden;
}
.qual-col-header {
  padding: 16px 24px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.qual-header-fit {
  background: rgba(151,27,255,0.1);
  color: var(--ultra);
  border: 1px solid rgba(151,27,255,0.25);
  border-bottom: none;
  border-radius: var(--radius-md) var(--radius-md) 0 0;
}
.qual-header-notfit {
  background: rgba(1,4,29,0.06);
  color: #b84040;
  border: 1px solid rgba(184,64,64,0.2);
  border-bottom: none;
  border-radius: var(--radius-md) var(--radius-md) 0 0;
}
.qual-header-terms {
  background: var(--navy);
  color: var(--ultra);
  border-radius: var(--radius-md) var(--radius-md) 0 0;
}
.qual-fit {
  border: 1px solid rgba(151,27,255,0.25);
  border-top: none;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
}
.qual-notfit {
  border: 1px solid rgba(184,64,64,0.2);
  border-top: none;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
}
.qual-terms {
  background: var(--navy);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
}
.qual-list {
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.qual-list li {
  font-size: 14px;
  color: var(--text-muted-dark);
  padding-left: 16px;
  position: relative;
  line-height: 1.5;
}
.qual-list li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--ultra);
}
.qual-notfit .qual-list li::before {
  color: #b84040;
}
.terms-list {
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.terms-list li {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.terms-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}
.term-key {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--text-muted);
}
.term-val {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}

/* ================================================
   SPONSOR PROFILE
   ================================================ */
.profile-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 48px;
}
.profile-stat {
  background: rgba(255,255,255,0.03);
  padding: 32px 24px;
  text-align: center;
}
.profile-stat-val {
  font-size: 30px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 8px;
}
.profile-stat-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--text-muted);
}
.profile-body {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 48px;
  align-items: start;
}
.check-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.check-list li {
  font-size: 15px;
  color: var(--cream);
  padding-left: 28px;
  position: relative;
  line-height: 1.5;
}
.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--ultra);
  font-weight: 700;
}
.profile-narrative p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 16px;
}
.profile-narrative p:last-child {
  margin-bottom: 0;
}

/* ================================================
   SPEED: 7 DAYS — CLEARLY DELINEATED SECTION
   ================================================ */
.speed-section {
  background: var(--ultra);
  padding: 0;
  position: relative;
}
.speed-stripe-top {
  height: 6px;
  background: linear-gradient(to right, rgba(255,255,255,0.08), rgba(255,255,255,0.22), rgba(255,255,255,0.08));
}
.speed-stripe-bottom {
  height: 6px;
  background: linear-gradient(to right, rgba(255,255,255,0.08), rgba(255,255,255,0.22), rgba(255,255,255,0.08));
}
.speed-inner {
  padding-top: 80px;
  padding-bottom: 80px;
  text-align: center;
}
.speed-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: rgba(255,255,255,0.75);
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 100px;
  padding: 6px 16px;
  margin-bottom: 24px;
  background: rgba(255,255,255,0.1);
}
.speed-headline {
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 20px;
}
.speed-body {
  font-size: 18px;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
  max-width: 640px;
  margin: 0 auto 36px;
}
.speed-section .btn-primary {
  background: var(--white);
  color: var(--ultra);
  border-color: var(--white);
}
.speed-section .btn-primary:hover {
  background: var(--cream);
  border-color: var(--cream);
}

/* ================================================
   PORTFOLIO SNAPSHOT
   ================================================ */
.deals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.deal-card {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(1,4,29,0.08);
  transition: box-shadow var(--transition), transform var(--transition);
}
.deal-card:hover {
  box-shadow: 0 10px 36px rgba(151,27,255,0.12);
  transform: translateY(-2px);
}
.deal-img-wrap {
  height: 200px;
  overflow: hidden;
}
.deal-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.deal-card:hover .deal-img-wrap img {
  transform: scale(1.03);
}
.deal-body {
  padding: 24px;
}
.deal-body h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.3;
}
.deal-location {
  font-size: 13px;
  color: var(--text-muted-dark);
  margin-bottom: 16px;
}
.deal-metrics {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.deal-metrics span {
  font-size: 12px;
  font-weight: 700;
  color: var(--ultra);
  background: rgba(151,27,255,0.08);
  border: 1px solid rgba(151,27,255,0.18);
  border-radius: 6px;
  padding: 4px 10px;
  letter-spacing: 0.02em;
}

/* ================================================
   UNDERWRITING
   ================================================ */
.uw-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.uw-step {
  display: flex;
  gap: 20px;
  margin-bottom: 32px;
}
.uw-step:last-child {
  margin-bottom: 0;
}
.uw-step-num {
  font-size: 13px;
  font-weight: 800;
  color: var(--ultra);
  letter-spacing: 0.04em;
  min-width: 28px;
  padding-top: 2px;
}
.uw-step-body h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.uw-step-body p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}
.uw-pillars {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.uw-pillar {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(151,27,255,0.15);
  border-radius: var(--radius-md);
  padding: 22px 20px;
}
.uw-pillar-icon {
  font-size: 24px;
  margin-bottom: 12px;
}
.uw-pillar h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.uw-pillar p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ================================================
   REQUIRED DOCUMENTS
   ================================================ */
.docs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}
.docs-card {
  background: var(--white);
  border: 1px solid rgba(1,4,29,0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.docs-card-header {
  background: var(--navy);
  color: var(--cream);
  font-size: 13px;
  font-weight: 700;
  padding: 16px 22px;
  letter-spacing: 0.04em;
}
.docs-list {
  padding: 20px 22px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.docs-list li {
  font-size: 14px;
  color: var(--text-muted-dark);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}
.docs-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--ultra);
  font-weight: 700;
  font-size: 12px;
}

/* ================================================
   FAQ
   ================================================ */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.faq-item:first-child {
  border-top: 1px solid rgba(255,255,255,0.08);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
  text-align: left;
  gap: 16px;
  transition: color var(--transition);
}
.faq-q:hover { color: var(--ultra); }
.faq-chevron {
  font-size: 22px;
  font-weight: 300;
  color: var(--ultra);
  flex-shrink: 0;
  transition: transform var(--transition);
  line-height: 1;
}
.faq-q[aria-expanded="true"] .faq-chevron {
  transform: rotate(45deg);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
}
.faq-a.open {
  max-height: 400px;
  padding-bottom: 22px;
}
.faq-a p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ================================================
   ORIGINATIONS TEAM
   ================================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 780px;
  margin: 0 auto;
}
.team-card {
  background: var(--white);
  border: 1px solid rgba(1,4,29,0.08);
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  transition: box-shadow var(--transition);
}
.team-card:hover {
  box-shadow: 0 6px 24px rgba(151,27,255,0.1);
}
.team-headshot {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  border: 2px solid rgba(151,27,255,0.25);
}
.team-info {
  flex: 1;
}
.team-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}
.team-title {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--ultra);
  margin-bottom: 14px;
}
.team-contacts {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.team-contacts a {
  font-size: 13px;
  color: var(--text-muted-dark);
  transition: color var(--transition);
  text-decoration: none;
}
.team-contacts a:hover { color: var(--ultra); }
.team-contacts .btn-ghost {
  color: var(--navy);
  border-color: rgba(1,4,29,0.25);
  align-self: flex-start;
  margin-top: 4px;
}
.team-contacts .btn-ghost:hover {
  border-color: var(--ultra);
  color: var(--ultra);
  background: rgba(151,27,255,0.05);
}

/* ================================================
   FINAL CTA
   ================================================ */
.cta-section {
  background: var(--navy);
  padding: 100px 0;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.cta-inner {
  text-align: center;
  max-width: 700px;
}
.cta-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--ultra);
  border: 1px solid var(--ultra-border);
  border-radius: 100px;
  padding: 6px 16px;
  margin-bottom: 24px;
  background: var(--ultra-dim);
}
.cta-headline {
  font-size: clamp(30px, 4vw, 48px);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 20px;
}
.cta-body {
  font-size: 18px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 36px;
}
.cta-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ================================================
   FOOTER
   ================================================ */
.footer {
  background: rgba(0,0,0,0.4);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 60px 0 32px;
}
.footer-inner {}
.footer-top {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 60px;
  margin-bottom: 48px;
}
.footer-brand img {
  margin-bottom: 14px;
  height: 26px;
}
.footer-tagline {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}
.footer-nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.footer-nav-col {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-nav-heading {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--ultra);
  margin-bottom: 6px;
}
.footer-nav-col a {
  font-size: 13px;
  color: var(--text-muted);
  transition: color var(--transition);
}
.footer-nav-col a:hover { color: var(--cream); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer-bottom p {
  font-size: 12px;
  color: var(--text-muted);
}
.footer-disclaimer {
  opacity: 0.65;
  max-width: 700px;
}

/* ================================================
   LEAD CAPTURE MODAL
   ================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 500;
  background: rgba(1, 4, 29, 0.82);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  align-items: center;
  justify-content: center;
  padding: 24px 16px;
  overflow-y: auto;
}
.modal-overlay.open {
  display: flex;
}
.modal-box {
  background: #0e1232;
  border: 1px solid rgba(151, 27, 255, 0.3);
  border-radius: var(--radius-lg);
  padding: 36px 36px 28px;
  width: 100%;
  max-width: 520px;
  position: relative;
  box-shadow: 0 32px 80px rgba(0,0,0,0.5), 0 0 0 1px rgba(151,27,255,0.12);
  animation: modalIn 0.22s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(16px) scale(0.98); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 18px;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 26px;
  line-height: 1;
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 6px;
  transition: color var(--transition), background var(--transition);
}
.modal-close:hover {
  color: var(--white);
  background: rgba(255,255,255,0.06);
}
.modal-header {
  margin-bottom: 18px;
  padding-right: 24px;
}
.modal-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--ultra);
  margin-bottom: 8px;
}
.modal-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 8px;
  line-height: 1.2;
}
.modal-sub {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.55;
}

/* Capacity echo row */
.modal-capacity-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: linear-gradient(135deg, rgba(151,27,255,0.14) 0%, rgba(151,27,255,0.06) 100%);
  border: 1px solid rgba(151,27,255,0.28);
  border-radius: var(--radius-sm);
  padding: 10px 16px;
  margin-bottom: 20px;
}
.modal-capacity-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--ultra);
}
.modal-capacity-val {
  font-size: 18px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}

/* Form fields */
.modal-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.modal-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.modal-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.modal-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  text-transform: uppercase;
}
.modal-label .req {
  color: var(--ultra);
  margin-left: 2px;
}
.modal-input {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(151,27,255,0.25);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 14px;
  font-weight: 500;
  padding: 10px 14px;
  width: 100%;
  outline: none;
  transition: border-color var(--transition), background var(--transition);
  -webkit-appearance: none;
  appearance: none;
}
.modal-input::placeholder {
  color: rgba(248,248,243,0.22);
  font-weight: 400;
}
.modal-input:focus {
  border-color: var(--ultra);
  background: rgba(151,27,255,0.08);
}
.modal-input.invalid {
  border-color: #e05757;
  background: rgba(224,87,87,0.07);
}
.modal-select-wrap {
  position: relative;
}
.modal-select-wrap::after {
  content: '▾';
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ultra);
  font-size: 13px;
  pointer-events: none;
}
.modal-select {
  cursor: pointer;
  padding-right: 36px;
}
.modal-select option {
  background: #0e1232;
  color: var(--white);
}

/* Field errors */
.field-error {
  font-size: 11px;
  color: #e05757;
  min-height: 14px;
  line-height: 1.3;
}

/* Submit row */
.modal-submit-row {
  margin-top: 4px;
}
.modal-submit-btn {
  font-size: 15px;
  padding: 14px 24px;
  position: relative;
  gap: 8px;
}
.modal-submit-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}
.btn-spinner {
  font-size: 16px;
  animation: spin 1s linear infinite;
  display: inline-block;
}
@keyframes spin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

/* Success state */
.modal-success {
  text-align: center;
  padding: 20px 0 8px;
  animation: fadeIn 0.3s ease;
}
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.success-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(151,27,255,0.15);
  border: 2px solid var(--ultra);
  color: var(--ultra);
  font-size: 22px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.modal-success h3 {
  font-size: 18px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 8px;
}
.modal-success p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Error message */
.modal-error-msg {
  font-size: 13px;
  color: #e05757;
  background: rgba(224,87,87,0.08);
  border: 1px solid rgba(224,87,87,0.25);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  line-height: 1.5;
  margin-top: 4px;
  text-align: center;
}
.modal-error-msg a {
  color: #e05757;
  text-decoration: underline;
}

/* Modal disclaimer */
.modal-disclaimer {
  font-size: 10px;
  color: rgba(248,248,243,0.25);
  text-align: center;
  margin-top: 16px;
  line-height: 1.5;
}

/* Modal responsive */
@media (max-width: 560px) {
  .modal-box {
    padding: 28px 20px 24px;
  }
  .modal-form-row {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .modal-title {
    font-size: 19px;
  }
}

/* ================================================
   BORROWING CAPACITY CALCULATOR
   ================================================ */
.calc-card {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.calc-intro {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 14px;
}
.calc-fields {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 12px;
}
.calc-field {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.calc-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.09em;
  color: var(--text-muted);
  text-transform: uppercase;
}
.calc-label-note {
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: rgba(248,248,243,0.32);
  text-transform: none;
}
.calc-input-wrap {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(151,27,255,0.28);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition), background var(--transition);
  overflow: hidden;
}
.calc-input-wrap:focus-within {
  border-color: var(--ultra);
  background: rgba(151,27,255,0.08);
}
.calc-prefix {
  font-size: 14px;
  font-weight: 700;
  color: var(--ultra);
  padding: 0 8px 0 12px;
  line-height: 1;
  flex-shrink: 0;
  user-select: none;
}
.calc-input {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  padding: 9px 12px 9px 0;
  width: 100%;
}
.calc-input::placeholder {
  color: rgba(248,248,243,0.25);
  font-weight: 400;
}
.calc-hint {
  font-size: 10px;
  color: rgba(248,248,243,0.38);
  line-height: 1.35;
  padding-left: 2px;
}

/* NCF intermediate row */
.calc-ncf-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 14px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
}
.calc-ncf-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.09em;
  color: var(--text-muted);
  text-transform: uppercase;
}
.calc-ncf-val {
  font-size: 15px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.01em;
  transition: color var(--transition);
}
.calc-ncf-val.ncf-negative {
  color: #e05757;
}
.calc-ncf-val.ncf-positive {
  color: #5dcf94;
}

/* Result panel */
.calc-result {
  background: linear-gradient(135deg, rgba(151,27,255,0.18) 0%, rgba(151,27,255,0.08) 100%);
  border: 1px solid rgba(151,27,255,0.35);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  text-align: center;
  margin-bottom: 12px;
  transition: all var(--transition);
}
.calc-result.state-error {
  background: rgba(224, 87, 87, 0.1);
  border-color: rgba(224, 87, 87, 0.3);
}
.calc-result.state-low {
  background: linear-gradient(135deg, rgba(151,27,255,0.12) 0%, rgba(151,27,255,0.05) 100%);
  border-color: rgba(151,27,255,0.25);
}
.calc-result.state-capped {
  background: linear-gradient(135deg, rgba(151,27,255,0.22) 0%, rgba(151,27,255,0.1) 100%);
  border-color: rgba(151,27,255,0.5);
}
.calc-result-label {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: var(--ultra);
  text-transform: uppercase;
  margin-bottom: 8px;
}
.calc-result.state-error .calc-result-label {
  color: #e05757;
}
.calc-result-amount {
  font-size: 30px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1.05;
  margin-bottom: 4px;
  transition: color var(--transition);
}
.calc-result.state-error .calc-result-amount {
  font-size: 18px;
  font-weight: 700;
  color: #e05757;
}
.calc-result-sub {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
}
.calc-result.state-low .calc-result-sub {
  color: rgba(255,200,80,0.85);
}
.calc-result.state-capped .calc-result-sub {
  color: var(--ultra);
  font-weight: 600;
}

/* Disclaimer */
.calc-disclaimer {
  font-size: 10px;
  color: rgba(248,248,243,0.3);
  line-height: 1.4;
  text-align: center;
  margin-top: 8px;
}

/* ================================================
   RESPONSIVE
   ================================================ */
@media (max-width: 1080px) {
  .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .use-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-top {
    grid-template-columns: 1fr;
    gap: 36px;
  }
}

@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 32px;
    padding-top: 48px;
    padding-bottom: 40px;
    align-items: start;
  }
  .hero-card {
    max-width: 100%;
    width: 100%;
  }
  .stats-inner {
    flex-wrap: wrap;
    gap: 0;
  }
  .stat {
    width: 50%;
    padding: 16px;
  }
  .stat-divider {
    display: none;
  }
  .qual-grid {
    grid-template-columns: 1fr;
  }
  .profile-stats {
    grid-template-columns: repeat(2, 1fr);
  }
  .profile-body {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .uw-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .deals-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .docs-grid {
    grid-template-columns: 1fr;
  }
  .team-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
  }
  .footer-nav {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .hero-headline {
    font-size: clamp(28px, 8vw, 40px);
  }
  .hero-sub {
    font-size: 15px;
    margin-bottom: 24px;
  }
  .hero-badge {
    margin-bottom: 16px;
  }
  .hero-card {
    padding: 20px;
  }
  .calc-fields {
    gap: 10px;
  }
  .calc-result-amount {
    font-size: 26px;
  }
  .nav-links,
  .nav-cta {
    display: none;
  }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 24px 32px;
    gap: 16px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    z-index: 99;
  }
  .nav-links.open + .nav-cta {
    display: none;
  }
  .hamburger {
    display: flex;
  }
  .features-grid {
    grid-template-columns: 1fr;
  }
  .use-grid {
    grid-template-columns: 1fr;
  }
  .profile-stats {
    grid-template-columns: repeat(2, 1fr);
  }
  .deals-grid {
    grid-template-columns: 1fr;
  }
  .footer-nav {
    grid-template-columns: 1fr;
  }
  .cta-actions {
    flex-direction: column;
    align-items: center;
  }
  .hero-ctas {
    flex-direction: column;
  }
}

@media (max-width: 520px) {
  .container {
    padding: 0 16px;
  }
  .light-section,
  .dark-section {
    padding: 64px 0;
  }
  .hero-inner {
    padding-top: 36px;
    padding-bottom: 32px;
    gap: 24px;
  }
  .hero-headline {
    font-size: clamp(26px, 7.5vw, 36px);
    margin-bottom: 14px;
  }
  .hero-sub {
    font-size: 14px;
    margin-bottom: 20px;
  }
  .hero-card {
    padding: 16px;
  }
  .hero-ctas .btn {
    width: 100%;
    justify-content: center;
  }
  .profile-stats {
    grid-template-columns: 1fr;
  }
  .uw-pillars {
    grid-template-columns: 1fr;
  }
  .stats-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
  }
  .stat {
    width: 100%;
  }
  .speed-inner {
    padding-top: 60px;
    padding-bottom: 60px;
  }
  .press-logos {
    gap: 20px 28px;
  }
}