/* =========================================================================
   MD Private Lender — design system
   Palette: deep navy (authority) + money green (growth) + gold (premium)
   Type:    Fraunces (editorial serif display) + Inter (clean sans body)
   ========================================================================= */

:root {
  /* Charcoal — from the logo's "PRIVATE LENDER" wordmark (#333) */
  --navy:      #262626;
  --navy-900:  #1a1a1a;
  --navy-800:  #2e2e2e;
  --navy-700:  #3d3d3d;
  /* Green — sampled directly from the logo mark (#3AB54A → #16A82A) */
  --green:     #17a52b;
  --green-600: #0f8a20;
  --green-400: #3ab54a;
  --gold:      #3ab54a;   /* repurposed as the bright brand-green accent */
  --gold-300:  #8ad597;

  --ink:   #232323;
  --body:  #4a4a4a;
  --muted: #757575;
  --line:  #e6e8e6;
  --paper: #ffffff;
  --sand:  #eef4ef;   /* soft off-white with a hint of green */
  --mist:  #d7efdf;   /* light mint — a shade deeper for clearer separation */

  --serif: 'Sora', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;  /* display font */
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --wrap: 1160px;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 18px 50px rgba(15, 35, 64, .10);
  --shadow-sm: 0 6px 20px rgba(15, 35, 64, .08);
  --ease: cubic-bezier(.22, .61, .36, 1);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--body);
  background: var(--paper);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--green-600); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 { font-family: var(--serif); color: var(--ink); line-height: 1.12; font-weight: 600; letter-spacing: -.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3.6vw, 2.6rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }

.container { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; margin-inline: auto; }
.center { text-align: center; }

.section { padding: 84px 0; }
.section--sand { background: var(--sand); }
.section--mist { background: var(--mist); }
.section--navy { background: var(--navy); color: #d6e0ee; }
.section--tight { padding: 60px 0; }

/* --- eyebrow + section heads ------------------------------------------- */
.eyebrow {
  font-family: var(--sans);
  font-size: .8rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--green-600); margin: 0 0 .8rem;
}
.eyebrow--light { color: var(--gold-300); }
.eyebrow--gold { color: var(--green-600); }
.section-head { max-width: 720px; margin: 0 auto 52px; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.08rem; margin: 0; }
.section--navy h2 { color: #fff; }
.lead { font-size: 1.2rem; color: var(--body); }

/* --- buttons ------------------------------------------------------------ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font-family: var(--sans); font-weight: 600; font-size: .98rem;
  padding: 13px 26px; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .15s var(--ease), box-shadow .2s var(--ease), background .2s;
  text-decoration: none; white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn--primary { background: linear-gradient(135deg, #3ab54a 0%, #16a82a 100%); color: #fff; box-shadow: 0 10px 24px rgba(22, 168, 42, .30); }
.btn--primary:hover { background: linear-gradient(135deg, #33ad43 0%, #12971f 100%); }
.btn--gold { background: var(--gold); color: var(--navy-900); box-shadow: 0 10px 24px rgba(200, 162, 76, .3); }
.btn--gold:hover { background: var(--gold-300); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy); background: #fff; }
.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn--ghost-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn--lg { padding: 16px 34px; font-size: 1.05rem; }
.btn--nav { padding: 10px 20px; }

/* --- top utility bar ---------------------------------------------------- */
.topbar { background: var(--navy-900); color: #b9c6da; font-size: .86rem; }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 9px; }
.topbar__contact { display: flex; gap: 22px; }
.topbar__link { color: #cdd8e8; white-space: nowrap; }
.topbar__link:hover { color: #fff; text-decoration: none; }
.topbar__tag { margin: 0; color: #9fb0c7; }
.topbar__tag strong { color: var(--gold-300); }

/* --- header / nav ------------------------------------------------------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 88px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand:hover { text-decoration: none; }
.brand__logo { height: 60px; width: auto; display: block; }
.brand__mark {
  width: 46px; height: 46px; border-radius: 11px; flex: none;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%);
  color: #fff; font-family: var(--serif); font-weight: 600; font-size: 1.15rem; letter-spacing: .02em;
}
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__name { font-family: var(--serif); font-weight: 600; font-size: 1.24rem; color: var(--ink); }
.brand__tag { font-size: .78rem; color: var(--green-600); }
.brand__tag em { font-style: italic; }

.nav { display: flex; align-items: center; gap: 6px; }
.nav a:not(.btn) {
  color: var(--ink); font-weight: 500; font-size: .96rem; padding: 9px 13px; border-radius: 8px;
}
.nav a:not(.btn):hover { color: var(--green-600); background: var(--mist); text-decoration: none; }
.nav a.is-active:not(.btn) { color: var(--green-600); }
.btn--nav { margin-left: 8px; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; transition: .2s; }

/* --- hero --------------------------------------------------------------- */
.hero {
  position: relative; color: var(--body); overflow: hidden;
  background: linear-gradient(180deg, #ffffff 0%, #f3f8f4 100%);
  border-bottom: 1px solid var(--line);
}
.hero__inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-block: 74px 84px; }
.hero__eyebrow { color: var(--green-600); font-weight: 700; letter-spacing: .16em; text-transform: uppercase; font-size: .82rem; margin-bottom: 1rem; }
.hero h1 { color: var(--ink); font-size: clamp(2.3rem, 4.7vw, 3.7rem); font-weight: 800; margin-bottom: .5em; }
.hero h1 .accent { color: var(--green); }
.hero__sub { font-size: 1.18rem; color: var(--body); max-width: 34ch; margin-bottom: 2rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero__badges { display: flex; flex-wrap: wrap; gap: 10px 22px; padding-top: 24px; border-top: 1px solid var(--line); }
.hero__badge { display: flex; align-items: center; gap: 8px; font-size: .92rem; color: var(--body); }
.hero__badge span { color: var(--green); font-weight: 700; }

/* hero side card */
.hero__card {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow);
}
.hero__card h3 { color: var(--ink); font-size: 1.15rem; margin-bottom: 6px; }
.hero__card p { color: var(--muted); font-size: .95rem; margin-bottom: 18px; }
.hero__terms { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.hero__terms li { display: flex; justify-content: space-between; gap: 12px; font-size: .95rem; color: var(--body); padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.hero__terms li:last-child { border-bottom: 0; padding-bottom: 0; }
.hero__terms b { color: var(--ink); font-weight: 600; }

/* hero portrait (person-first) */
.hero__portrait { position: relative; justify-self: center; width: 100%; max-width: 560px; }
.hero__portrait img { width: 100%; aspect-ratio: 3/2; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); display: block; }
.hero__portrait-tag { position: absolute; left: 16px; bottom: 16px; background: rgba(255,255,255,.95); border-radius: 12px; padding: 9px 15px; box-shadow: var(--shadow-sm); }
.hero__portrait-tag b { display: block; font-family: var(--serif); color: var(--ink); font-size: 1.02rem; line-height: 1.15; }
.hero__portrait-tag span { color: var(--green-600); font-size: .8rem; font-weight: 600; }

/* --- terms strip (below hero) ------------------------------------------ */
.terms-strip { background: #fff; border-bottom: 1px solid var(--line); }
.terms-strip__inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 18px; padding-block: 22px; }
.terms-strip__item { flex: 1 1 auto; text-align: center; min-width: 130px; }
.terms-strip__item b { display: block; font-family: var(--serif); font-size: 1.28rem; color: var(--green-600); line-height: 1.1; }
.terms-strip__item span { display: block; margin-top: 3px; font-size: .82rem; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }

/* --- stat bar ----------------------------------------------------------- */
.stats { background: linear-gradient(135deg, #17a82b 0%, #0e7a1f 100%); }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 32px 20px; text-align: center; border-right: 1px solid rgba(255,255,255,.18); }
.stat:last-child { border-right: 0; }
.stat__num { font-family: var(--serif); font-size: clamp(1.8rem, 3.4vw, 2.6rem); color: #fff; font-weight: 600; line-height: 1; }
.stat__num .u { color: #c7f0cd; }
.stat__label { display: block; margin-top: 8px; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.85); }

/* --- founder band ------------------------------------------------------- */
.founder__grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 52px; align-items: center; }
.founder__photo {
  position: relative; aspect-ratio: 4/5; border-radius: var(--radius); overflow: hidden;
  background: linear-gradient(160deg, var(--mist), #dde5ef);
  border: 1px solid var(--line); box-shadow: var(--shadow);
}
.founder__photo img { width: 100%; height: 100%; object-fit: cover; }
.founder blockquote { font-family: var(--serif); font-size: clamp(1.35rem, 2.5vw, 1.9rem); line-height: 1.3; color: var(--ink); margin: 0 0 1.1rem; font-weight: 400; }
.founder__sig { display: flex; align-items: baseline; gap: 12px; margin-top: 22px; }
.founder__sig b { font-size: 1.05rem; color: var(--ink); }
.founder__sig span { color: var(--muted); font-size: .95rem; }

/* --- feature grid (why us) --------------------------------------------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #d3dbe6; }
.card__icon { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; font-size: 1.35rem; background: rgba(58,181,74,.14); margin-bottom: 16px; }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--muted); font-size: .97rem; margin: 0; }

/* --- program cards ------------------------------------------------------ */
.program { position: relative; overflow: hidden; padding: 0; }
.program__top { padding: 28px 26px 4px; }
.program__tag { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--green-600); }
.program__body { padding: 4px 26px 26px; }
.program__body p { color: var(--muted); font-size: .97rem; }
.program__link { font-weight: 600; color: var(--green-600); font-size: .95rem; }
.program__facts { list-style: none; margin: 14px 0 20px; padding: 0; display: grid; gap: 9px; }
.program__facts li { position: relative; padding-left: 24px; font-size: .93rem; color: var(--body); }
.program__facts li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 700; }

/* --- steps -------------------------------------------------------------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding: 30px 24px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); }
.step__n { font-family: var(--serif); font-size: 2.3rem; color: var(--gold); font-weight: 600; line-height: 1; margin-bottom: 12px; }
.step h3 { font-size: 1.12rem; margin-bottom: .35em; }
.step p { font-size: .93rem; color: var(--muted); margin: 0; }

/* --- funded deals gallery ---------------------------------------------- */
.deals { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.deal { border-radius: var(--radius); overflow: hidden; background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.deal__img { aspect-ratio: 3/2; background: linear-gradient(150deg, #dfe7f0, #cdd8e6); position: relative; overflow: hidden; }
.deal__img img { width: 100%; height: 100%; object-fit: cover; }
.deal__ph { position: absolute; inset: 0; display: grid; place-items: center; color: #8397b0; font-size: .85rem; text-align: center; padding: 16px; }
.deal__body { padding: 18px 20px; }
.deal__loc { font-family: var(--serif); font-size: 1.1rem; color: var(--ink); margin-bottom: 4px; }
.deal__meta { font-size: .88rem; color: var(--muted); }
.deal__tag { display: inline-block; margin-top: 12px; font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--green-600); background: rgba(58,181,74,.14); padding: 4px 10px; border-radius: 999px; }

/* --- testimonials ------------------------------------------------------- */
.quote { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; box-shadow: var(--shadow-sm); }
.quote__stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 12px; }
.quote p { font-size: 1.02rem; color: var(--ink); font-style: italic; }
.quote__by { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.quote__avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy-700); color: #fff; display: grid; place-items: center; font-weight: 600; }
.quote__by b { display: block; color: var(--ink); font-size: .95rem; font-style: normal; }
.quote__by span { color: var(--muted); font-size: .85rem; }
.note-honest { text-align: center; color: var(--muted); font-size: .9rem; margin-top: 26px; }
.note-honest code { background: var(--mist); padding: 2px 7px; border-radius: 6px; font-size: .85em; }

/* --- pre-footer CTA band ------------------------------------------------ */
.cta-band { background: radial-gradient(800px 400px at 20% 0%, rgba(41,160,107,.24), transparent 55%), linear-gradient(150deg, var(--navy) 0%, var(--navy-900) 100%); color: #fff; }
.cta-band__inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; padding-block: 56px; flex-wrap: wrap; }
.cta-band__title { color: #fff; max-width: 18ch; margin-bottom: .3em; }
.cta-band__sub { color: #c2cfe2; margin: 0; }
.cta-band__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* --- footer ------------------------------------------------------------- */
.site-footer { background: var(--navy-900); color: #97a7bd; font-size: .93rem; }
.site-footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-block: 60px 44px; }
.site-footer__brand { max-width: 340px; }
.site-footer__logo { height: 52px; width: auto; display: block; margin-bottom: 16px; }
.brand__name--footer { color: #fff; font-size: 1.3rem; }
.site-footer__tag { color: var(--gold-300); margin: 2px 0 14px; }
.site-footer__blurb { color: #8496ad; line-height: 1.6; }
.site-footer__stats { color: #b7c4d6; font-weight: 500; font-size: .88rem; margin-top: 12px; }
.site-footer__col h3 { color: #fff; font-family: var(--sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer__col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer__col a { color: #9fb0c7; }
.site-footer__col a:hover { color: #fff; text-decoration: none; }
.site-footer__contact li { color: #9fb0c7; }
.site-footer__bar { border-top: 1px solid rgba(255,255,255,.09); }
.site-footer__bar-inner { display: flex; justify-content: space-between; gap: 20px; padding-block: 20px; flex-wrap: wrap; }
.site-footer__bar p { margin: 0; font-size: .82rem; color: #71829a; }
.site-footer__disc { max-width: 620px; }

/* --- reveal-on-scroll --------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* --- review CTA band ---------------------------------------------------- */
.review-cta { background: var(--mist); border-block: 1px solid var(--line); }
.review-cta .lead { margin-bottom: 18px; }

/* --- where we lend (area chips) ---------------------------------------- */
.areas { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin: 0 auto; max-width: 840px; padding: 0; }
.areas li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 11px 22px; font-weight: 600; color: var(--ink); font-size: .98rem; box-shadow: var(--shadow-sm); transition: border-color .2s, color .2s, transform .2s var(--ease); }
.areas li:hover { border-color: var(--green-400); color: var(--green-600); transform: translateY(-2px); }
.areas__note { text-align: center; color: var(--muted); margin-top: 26px; font-size: .95rem; }

/* --- FAQ accordion ------------------------------------------------------ */
.faq { display: grid; gap: 12px; }
.faq-item { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); overflow: hidden; }
.faq-item summary {
  list-style: none; cursor: pointer; padding: 20px 24px; font-family: var(--serif);
  font-size: 1.15rem; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--sans); font-size: 1.5rem; color: var(--green); line-height: 1; flex: none; transition: transform .2s var(--ease); }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item summary:hover { color: var(--green-600); }
.faq-body { padding: 0 24px 22px; }
.faq-body p, .faq-body ul { margin: 0; color: var(--body); }

/* --- page hero (inner pages) ------------------------------------------- */
.page-hero { background: linear-gradient(180deg, #ffffff 0%, #eef5ee 100%); color: var(--body); padding: 60px 0 54px; text-align: center; border-bottom: 1px solid var(--line); }
.page-hero h1 { color: var(--ink); }
.page-hero p { color: var(--body); max-width: 60ch; margin-inline: auto; font-size: 1.1rem; }

/* --- responsive --------------------------------------------------------- */
@media (max-width: 940px) {
  .hero__inner { grid-template-columns: 1fr; gap: 34px; padding-block: 56px 64px; }
  .hero__sub { max-width: 46ch; }
  .founder__grid { grid-template-columns: 1fr; gap: 30px; }
  .founder__photo { max-width: 380px; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  .topbar__tag { display: none; }
  .topbar__inner { justify-content: center; }
  .topbar__contact { flex-wrap: wrap; justify-content: center; gap: 4px 20px; }
  .nav-toggle { display: flex; }
  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(300px, 82vw); flex-direction: column; align-items: stretch;
    background: #fff; padding: 88px 22px 30px; gap: 4px; box-shadow: -10px 0 40px rgba(15,35,64,.16);
    transform: translateX(100%); transition: transform .25s var(--ease); z-index: 40;
  }
  .nav.is-open { transform: none; }
  .nav a:not(.btn) { padding: 13px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .btn--nav { margin: 12px 0 0; }
  body.nav-open { overflow: hidden; }
  .grid-3, .grid-2, .deals, .steps { grid-template-columns: 1fr; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,.09); }
  .section { padding: 60px 0; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; }
}