:root {
  color-scheme: light;
  --bg: oklch(0.98 0.009 85);
  --surface: oklch(0.995 0.004 85);
  --surface-quiet: oklch(0.959 0.018 247);
  --surface-warm: oklch(0.95 0.022 68);
  --ink: oklch(0.28 0.035 255);
  --ink-soft: oklch(0.45 0.025 250);
  --line: oklch(0.88 0.014 250);
  --brand: oklch(0.42 0.14 260);
  --brand-deep: oklch(0.3 0.11 260);
  --brand-soft: oklch(0.94 0.025 250);
  --accent: oklch(0.71 0.14 56);
  --accent-deep: oklch(0.6 0.11 56);
  --radius-lg: 2rem;
  --radius-md: 1.25rem;
  --radius-sm: 0.9rem;
  --shadow-lg: 0 28px 60px rgba(22, 32, 56, 0.14);
  --shadow-md: 0 18px 38px rgba(22, 32, 56, 0.1);
  --shell: min(1180px, calc(100% - 2rem));
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Hanken Grotesk", system-ui, sans-serif;
  background:
    radial-gradient(circle at top left, rgba(221, 148, 75, 0.12), transparent 32%),
    linear-gradient(180deg, oklch(0.987 0.008 85), oklch(0.972 0.008 85) 52%, oklch(0.982 0.01 246));
  background-size: 130% 130%, 180% 180%;
  color: var(--ink);
  min-height: 100vh;
  animation: page-drift 18s ease-in-out infinite alternate;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(34, 67, 138, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(34, 67, 138, 0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.42), transparent 82%);
  z-index: -1;
}

body.nav-open::after {
  content: "";
  position: fixed;
  inset: 0;
  background: rgba(247, 243, 237, 0.74);
  z-index: 19;
}

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

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

p {
  margin: 0;
  line-height: 1.65;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.04;
  letter-spacing: -0.03em;
}

ul,
ol {
  margin: 0;
  padding: 0;
}

.skip-link,
.sr-only {
  position: absolute;
}

.skip-link {
  top: -3rem;
  left: 1rem;
  z-index: 40;
  padding: 0.75rem 1rem;
  border-radius: 999px;
  background: var(--brand);
  color: var(--surface);
}

.skip-link:focus {
  top: 1rem;
}

.sr-only {
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.masthead {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: saturate(140%) blur(14px);
  background: rgba(247, 243, 237, 0.84);
  border-bottom: 1px solid rgba(67, 84, 120, 0.12);
}

.topbar,
.nav-wrap,
.section-shell,
.site-footer {
  width: var(--shell);
  margin: 0 auto;
}

.topbar {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  padding: 0.85rem 0 0.75rem;
  font-size: 0.92rem;
  color: var(--ink-soft);
}

.topbar p {
  max-width: 42rem;
}

.topbar-links,
.site-nav,
.hero-actions,
.cta-actions {
  display: flex;
  align-items: center;
  gap: 0.8rem;
}

.topbar-links a,
.site-footer a,
.text-link {
  color: var(--brand);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 1rem;
  min-width: 0;
}

.brand-mark {
  display: inline-grid;
  place-items: center;
  width: 3.1rem;
  height: 3.1rem;
  flex: 0 0 auto;
  border-radius: 1rem;
  background: linear-gradient(145deg, var(--brand), var(--accent-deep));
  color: var(--surface);
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: -0.08em;
  box-shadow: 0 14px 30px rgba(35, 67, 138, 0.18);
}

.brand-copy {
  display: grid;
  gap: 0.15rem;
  min-width: 0;
}

.brand-copy strong {
  font-size: 1.08rem;
  letter-spacing: -0.03em;
}

.brand-copy span:last-child {
  font-size: 0.92rem;
  color: var(--accent-deep);
}

.site-nav {
  font-size: 0.98rem;
}

.site-nav a:not(.button) {
  padding: 0.5rem 0.2rem;
  color: var(--ink-soft);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 3.1rem;
  padding: 0.85rem 1.3rem;
  border-radius: 999px;
  border: 1px solid transparent;
  background: var(--brand);
  color: var(--surface);
  font-weight: 700;
  box-shadow: 0 14px 28px rgba(35, 67, 138, 0.14);
  transition:
    transform 220ms ease,
    box-shadow 220ms ease,
    background-color 220ms ease,
    border-color 220ms ease,
    color 220ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 20px 34px rgba(35, 67, 138, 0.2);
}

.button-small {
  min-height: 2.8rem;
  padding-inline: 1rem;
}

.button-ghost {
  background: transparent;
  color: var(--brand);
  border-color: rgba(34, 67, 138, 0.18);
}

.button-light {
  background: var(--surface);
  color: var(--brand-deep);
}

.button-outline-light {
  background: transparent;
  color: var(--surface);
  border-color: rgba(255, 255, 255, 0.35);
}

.section-shell {
  padding: clamp(3rem, 6vw, 5rem) 0;
}

section[id] {
  scroll-margin-top: 7rem;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.14fr) minmax(320px, 0.86fr);
  gap: clamp(2.25rem, 4.5vw, 4.5rem);
  padding-top: clamp(2rem, 4vw, 3.5rem);
  align-items: center;
}

.hero-copy > * {
  animation: lift-in 760ms cubic-bezier(0.16, 1, 0.3, 1) both;
}

.hero-copy > *:nth-child(2) {
  animation-delay: 90ms;
}

.hero-copy > *:nth-child(3) {
  animation-delay: 170ms;
}

.hero-copy > *:nth-child(4) {
  animation-delay: 250ms;
}

.hero-copy > *:nth-child(5) {
  animation-delay: 330ms;
}

.eyebrow,
.mini-heading,
.card-label,
.proof-kicker,
.service-index,
.footer-title {
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
}

.eyebrow {
  color: var(--accent-deep);
  margin-bottom: 1rem;
}

.hero h1,
.section-heading h2,
.cta-panel h2 {
  max-width: 13ch;
  font-size: clamp(3rem, 7vw, 5.9rem);
}

.hero-intro {
  max-width: 60ch;
  margin-top: 1.35rem;
  font-size: clamp(1.08rem, 2.2vw, 1.28rem);
  color: var(--ink-soft);
}

.hero-signature {
  max-width: 42ch;
  margin-top: 1rem;
  font-size: 1rem;
  color: var(--brand-deep);
}

.hero-actions {
  margin-top: 2rem;
  flex-wrap: wrap;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 1.5rem;
  list-style: none;
}

.hero-points li,
.floating-note span {
  padding: 0.75rem 0.95rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(67, 84, 120, 0.12);
  box-shadow: 0 10px 26px rgba(32, 45, 76, 0.06);
  transition:
    transform 240ms ease,
    box-shadow 240ms ease,
    background-color 240ms ease;
}

.hero-visual {
  position: relative;
  display: grid;
  gap: 1rem;
  animation: portrait-drift 8s ease-in-out infinite;
}

.portrait-frame {
  position: relative;
  display: grid;
  gap: clamp(1rem, 2vw, 1.35rem);
  justify-items: start;
  padding: clamp(1rem, 2vw, 1.3rem);
  border-radius: clamp(1.8rem, 4vw, 2.6rem);
  background:
    linear-gradient(145deg, rgba(34, 67, 138, 0.14), rgba(221, 148, 75, 0.18)),
    rgba(255, 255, 255, 0.6);
  box-shadow: var(--shadow-lg);
}

.portrait-card {
  overflow: hidden;
  width: 100%;
  border-radius: calc(var(--radius-lg) - 0.45rem);
  background: var(--surface);
  aspect-ratio: 7 / 10;
}

.portrait-card img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.credential-note {
  position: static;
  display: grid;
  gap: 0.55rem;
  width: min(22rem, 100%);
  padding: 1.25rem 1.35rem;
  border-radius: 1.5rem;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-md);
}

.mini-heading {
  color: var(--accent-deep);
}

.credential-note a {
  color: var(--brand);
  font-weight: 700;
  word-break: break-word;
}

.credential-role {
  color: var(--ink-soft);
  font-size: 0.94rem;
}

.credential-note p:last-child {
  color: var(--ink-soft);
  font-size: 0.94rem;
}

.floating-note {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
  justify-content: flex-end;
}

.floating-note span:nth-child(2) {
  animation-delay: 200ms;
}

.floating-note span:nth-child(3) {
  animation-delay: 320ms;
}

.pathways {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  padding-top: 0.5rem;
}

.pathway-card,
.proof-card,
.service-card,
.about-panel,
.cta-panel {
  border: 1px solid rgba(67, 84, 120, 0.12);
}

.pathway-card {
  position: relative;
  display: grid;
  gap: 0.7rem;
  padding: clamp(1.5rem, 3vw, 2.2rem);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  transition:
    transform 280ms ease,
    box-shadow 280ms ease,
    border-color 280ms ease;
}

.pathway-card strong {
  font-size: clamp(1.55rem, 3vw, 2rem);
}

.pathway-buy {
  background: linear-gradient(135deg, rgba(34, 67, 138, 0.9), rgba(46, 93, 189, 0.96));
  color: var(--surface);
}

.pathway-refinance {
  background: linear-gradient(135deg, rgba(255, 252, 247, 0.96), rgba(244, 236, 224, 0.96));
}

.pathway-refinance .card-label,
.pathway-refinance strong {
  color: var(--brand-deep);
}

.section-heading {
  display: grid;
  gap: 0.9rem;
  margin-bottom: 2rem;
}

.section-heading h2 {
  max-width: 11ch;
  font-size: clamp(2.2rem, 5.2vw, 4rem);
}

.proof-grid,
.service-grid {
  display: grid;
  grid-template-columns: repeat(12, minmax(0, 1fr));
  gap: 1rem;
}

.proof-card,
.service-card,
.about-panel {
  padding: clamp(1.3rem, 2.4vw, 1.7rem);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.8);
  transition:
    transform 280ms ease,
    box-shadow 280ms ease,
    border-color 280ms ease;
}

.proof-card {
  display: grid;
  gap: 0.75rem;
  min-height: 100%;
}

.proof-card-wide {
  grid-column: span 6;
  background: linear-gradient(145deg, rgba(34, 67, 138, 0.96), rgba(31, 59, 120, 0.94));
  color: var(--surface);
}

.proof-card:not(.proof-card-wide):not(.proof-card-soft) {
  background: var(--surface-warm);
}

.proof-card-soft {
  grid-column: span 6;
  background: var(--surface-quiet);
}

.proof-grid > :nth-child(2),
.proof-grid > :nth-child(3) {
  grid-column: span 3;
}

.service-card {
  display: grid;
  gap: 0.95rem;
}

.service-card-featured {
  grid-column: span 7;
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.86), rgba(238, 244, 255, 0.94));
}

.service-card-accent {
  grid-column: span 7;
  background: linear-gradient(145deg, rgba(245, 237, 227, 0.96), rgba(255, 252, 247, 0.94));
}

.service-grid > :nth-child(2),
.service-grid > :nth-child(3) {
  grid-column: span 5;
}

.service-card h3,
.process-list h3 {
  font-size: clamp(1.45rem, 3vw, 1.8rem);
}

.service-card p,
.proof-card p,
.about-copy p,
.faq-list p {
  color: var(--ink-soft);
}

.about {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(270px, 0.78fr);
  gap: clamp(1.4rem, 4vw, 3rem);
  align-items: start;
}

.about-copy {
  display: grid;
  gap: 1.25rem;
}

.about-copy h2 {
  max-width: 12ch;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
}

.about-panel {
  display: grid;
  gap: 1rem;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.88), rgba(236, 242, 255, 0.9));
  box-shadow: var(--shadow-md);
}

.fact-list {
  display: grid;
  gap: 0.7rem;
  list-style: none;
}

.fact-list li {
  padding: 0.9rem 1rem;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.7);
  color: var(--ink-soft);
}

.text-link {
  font-weight: 700;
}

.process-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.process-list li {
  display: grid;
  gap: 1rem;
  padding: 1.5rem;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(67, 84, 120, 0.12);
  transition:
    transform 280ms ease,
    box-shadow 280ms ease,
    border-color 280ms ease;
}

.process-step {
  display: inline-grid;
  place-items: center;
  width: 3rem;
  height: 3rem;
  border-radius: 50%;
  background: var(--brand);
  color: var(--surface);
  font-weight: 800;
}

.faq-list {
  display: grid;
  gap: 0.9rem;
}

.faq-list details {
  padding: 1.2rem 1.25rem;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.84);
  border: 1px solid rgba(67, 84, 120, 0.12);
  transition:
    transform 240ms ease,
    box-shadow 240ms ease,
    border-color 240ms ease;
}

.faq-list summary {
  cursor: pointer;
  font-size: 1.15rem;
  font-weight: 700;
  list-style: none;
  padding-right: 2.4rem;
  position: relative;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  content: "+";
  position: absolute;
  top: -0.05rem;
  right: 0;
  color: var(--accent-deep);
  font-size: 1.5rem;
  font-weight: 600;
}

.faq-list details[open] summary::after {
  content: "−";
}

.faq-list p {
  margin-top: 0.9rem;
}

.cta-panel {
  display: grid;
  gap: 1.1rem;
  padding: clamp(1.6rem, 3vw, 2.5rem);
  border-radius: calc(var(--radius-lg) + 0.2rem);
  background: linear-gradient(140deg, rgba(33, 58, 117, 0.96), rgba(27, 41, 74, 0.98));
  color: var(--surface);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  position: relative;
}

.cta-panel h2 {
  max-width: 12ch;
  font-size: clamp(2.3rem, 5vw, 4.2rem);
}

.cta-panel::after {
  content: "";
  position: absolute;
  inset: auto -8% -24% auto;
  width: 19rem;
  height: 19rem;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.16), transparent 66%);
  pointer-events: none;
}

.cta-panel p:not(.eyebrow) {
  max-width: 58ch;
  color: rgba(250, 248, 244, 0.84);
}

.cta-actions {
  flex-wrap: wrap;
  margin-top: 0.6rem;
}

.site-footer {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.25rem;
  padding: 0 0 6rem;
}

.site-footer > div {
  display: grid;
  gap: 0.55rem;
}

.footer-title {
  color: var(--brand-deep);
}

.mobile-cta {
  position: fixed;
  inset: auto 1rem 1rem;
  z-index: 25;
  display: none;
  gap: 0.65rem;
  padding: 0.7rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(67, 84, 120, 0.12);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  pointer-events: none;
  transform: translateY(0.8rem);
  transition:
    opacity 200ms ease,
    transform 200ms ease;
}

.mobile-cta a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 5.8rem;
  min-height: 2.95rem;
  padding: 0 1.1rem;
  border-radius: 999px;
  font-weight: 700;
}

.mobile-cta a:first-child {
  color: var(--brand);
  background: var(--brand-soft);
}

.mobile-cta a:last-child {
  color: var(--surface);
  background: var(--brand);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 0.3rem;
  width: 2.9rem;
  height: 2.9rem;
  border: 1px solid rgba(67, 84, 120, 0.12);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.84);
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 1rem;
  height: 2px;
  margin: 0 auto;
  background: var(--brand-deep);
  transition:
    transform 200ms ease,
    opacity 200ms ease;
}

body.nav-open {
  overflow: hidden;
}

body.nav-open .nav-toggle span:nth-child(1) {
  transform: translateY(0.32rem) rotate(45deg);
}

body.nav-open .nav-toggle span:nth-child(2) {
  opacity: 0;
}

body.nav-open .nav-toggle span:nth-child(3) {
  transform: translateY(-0.32rem) rotate(-45deg);
}

body.show-mobile-cta .mobile-cta {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

body.nav-open .mobile-cta {
  opacity: 0;
  pointer-events: none;
  transform: translateY(0.8rem);
}

body.js-ready [data-reveal] {
  opacity: 0;
  transform: translateY(2rem);
  transition:
    opacity 760ms cubic-bezier(0.16, 1, 0.3, 1),
    transform 760ms cubic-bezier(0.16, 1, 0.3, 1);
}

body.js-ready [data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

.pathway-card:hover,
.pathway-card:focus-visible,
.proof-card:hover,
.service-card:hover,
.about-panel:hover,
.process-list li:hover,
.faq-list details:hover {
  transform: translateY(-0.35rem);
  box-shadow: 0 24px 42px rgba(22, 32, 56, 0.12);
  border-color: rgba(34, 67, 138, 0.18);
}

.hero-points li:hover,
.floating-note span:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 28px rgba(22, 32, 56, 0.1);
}

@keyframes lift-in {
  from {
    opacity: 0;
    transform: translateY(18px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes portrait-drift {
  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-8px);
  }
}

@keyframes page-drift {
  from {
    background-position: 0 0, 0 0;
  }

  to {
    background-position: 8% 0, 100% 100%;
  }
}

@media (max-width: 1040px) {
  .hero,
  .about {
    grid-template-columns: 1fr;
  }

  .hero-copy {
    max-width: 58rem;
  }

  .hero-visual {
    max-width: 36rem;
  }
}

@media (max-width: 900px) {
  .topbar {
    display: none;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .site-nav {
    position: fixed;
    inset: 5.8rem 1rem auto;
    display: grid;
    align-content: start;
    justify-items: stretch;
    gap: 0.35rem;
    padding: 1.15rem;
    border-radius: 1.6rem;
    border: 1px solid rgba(67, 84, 120, 0.14);
    background: rgba(250, 248, 244, 1);
    box-shadow: var(--shadow-lg);
    backdrop-filter: blur(18px);
    z-index: 21;
    transform: translateY(-1rem);
    opacity: 0;
    pointer-events: none;
    transition:
      opacity 180ms ease,
      transform 180ms ease;
  }

  body.nav-open .site-nav {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .site-nav a:not(.button) {
    padding: 0.95rem 0.5rem;
    text-align: left;
    font-size: 1.2rem;
    color: var(--brand-deep);
    border-bottom: 1px solid rgba(67, 84, 120, 0.08);
  }

  .site-nav .button {
    width: 100%;
    margin-top: 0.55rem;
  }

  .pathways,
  .process-list,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .proof-grid > *,
  .service-grid > * {
    grid-column: span 12;
  }
}

@media (max-width: 720px) {
  .brand {
    gap: 0.7rem;
    align-items: center;
  }

  .brand-mark {
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 0.9rem;
    font-size: 1rem;
  }

  .brand-copy strong {
    font-size: 0.96rem;
  }

  .brand-copy span:last-child {
    font-size: 0.82rem;
  }

  .nav-wrap {
    padding: 0.8rem 0;
  }

  .section-shell {
    padding: 2.7rem 0;
  }

  .hero {
    gap: 1.8rem;
    padding-top: 1.55rem;
  }

  .hero h1 {
    max-width: 10.5ch;
    font-size: clamp(2.65rem, 11vw, 3.6rem);
  }

  .hero-intro {
    font-size: 1rem;
  }

  .hero-signature {
    font-size: 0.95rem;
  }

  .credential-note {
    width: 100%;
  }

  .floating-note {
    justify-content: flex-start;
  }

  .hero-points,
  .hero-actions,
  .cta-actions {
    display: grid;
  }

  .button,
  .button-small,
  .mobile-cta a {
    width: 100%;
  }

  .mobile-cta {
    display: flex;
    inset: auto 1rem max(1rem, env(safe-area-inset-bottom));
    padding: 0.55rem;
  }

  .site-footer {
    padding-bottom: 7.5rem;
  }
}

@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;
  }
}