/* ============================================================
   AssetFin — Redesign 2026
   Light theme · brand palette: indigo #1e1734 / green #1bf78a
   ============================================================ */
:root{
  --ink:#ffffff;            /* page background */
  --navy:#f6f5fb;           /* alt section background */
  --panel:#ffffff;          /* cards */
  --panel-2:#eceaf6;
  --dark:#1e1734;           /* brand indigo — headings, footer, cta band */
  --dark-2:#2b2150;
  --volt:#1bf78a;           /* brand green — buttons, stripes */
  --volt-deep:#10d975;
  --volt-text:#00875a;      /* readable green for text on white */
  --text:#1e1734;
  --body:#4d4965;
  --muted:#6b6785;
  --line:rgba(30,23,52,.12);
  --radius:14px;
  --shadow-sm:0 6px 18px rgba(30,23,52,.07);
  --shadow-lg:0 30px 60px rgba(30,23,52,.14);
  --font-display:"Barlow Condensed",sans-serif;
  --font-body:"Schibsted Grotesk",sans-serif;
  --max:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  background:var(--ink);
  color:var(--body);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
body::before{
  content:"";position:fixed;inset:0;pointer-events:none;z-index:0;
  background-image:
    linear-gradient(rgba(30,23,52,.03) 1px,transparent 1px),
    linear-gradient(90deg,rgba(30,23,52,.03) 1px,transparent 1px);
  background-size:56px 56px;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px;position:relative;z-index:1}

/* ---------- type ---------- */
h1,h2,h3,.display{
  font-family:var(--font-display);
  text-transform:uppercase;
  letter-spacing:.01em;
  line-height:.95;
  font-weight:800;
  color:var(--text);
}
h1{font-size:clamp(3rem,7.5vw,5.6rem)}
h2{font-size:clamp(2.2rem,4.5vw,3.4rem)}
h3{font-size:clamp(1.3rem,2.2vw,1.6rem);letter-spacing:.02em}
.kicker{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--font-display);font-weight:700;text-transform:uppercase;
  letter-spacing:.22em;font-size:.85rem;color:var(--volt-text);margin-bottom:14px;
}
.kicker::before{content:"";width:34px;height:2px;background:var(--volt)}
.lead{color:var(--body);font-size:1.08rem;max-width:60ch}
.accent{color:var(--volt-text)}
.outline-word{
  color:transparent;
  -webkit-text-stroke:1.5px rgba(30,23,52,.75);
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--font-display);font-weight:700;text-transform:uppercase;
  letter-spacing:.08em;font-size:1.02rem;
  padding:15px 28px;border-radius:8px;border:0;cursor:pointer;
  transition:transform .18s ease,box-shadow .18s ease,background .18s ease;
  position:relative;overflow:hidden;
}
.btn-volt{background:var(--volt);color:#04130c;box-shadow:0 8px 22px rgba(27,247,138,.35)}
.btn-volt:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(27,247,138,.45);background:#3dffa0}
.btn-ghost{background:transparent;color:var(--text);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--volt-deep);color:var(--volt-text);transform:translateY(-2px)}
.btn .arrow{transition:transform .18s}
.btn:hover .arrow{transform:translateX(4px)}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;
  background:rgba(255,255,255,.88);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);
}
.site-header .wrap{display:flex;align-items:center;gap:28px;height:74px}
.logo{font-family:var(--font-display);font-weight:800;font-size:1.7rem;text-transform:uppercase;letter-spacing:.02em;color:var(--dark)}
.logo em{font-style:normal;color:var(--volt-text)}
.logo .logo-tick{display:inline-block;width:9px;height:9px;background:var(--volt);margin-left:4px;clip-path:polygon(0 0,100% 0,100% 100%)}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav>li{position:relative}
.nav a{
  display:block;padding:10px 14px;font-size:.95rem;color:var(--muted);
  font-weight:500;transition:color .15s;border-radius:6px;
}
.nav a:hover,.nav a[aria-current="page"]{color:var(--dark)}
.nav a[aria-current="page"]{color:var(--volt-text)}
.has-sub>a::after{content:" ▾";font-size:.7em;color:var(--volt-deep)}
.sub{
  position:absolute;top:100%;left:0;min-width:250px;
  background:#fff;border:1px solid var(--line);border-radius:10px;
  padding:8px;opacity:0;visibility:hidden;transform:translateY(8px);
  transition:all .18s ease;box-shadow:var(--shadow-lg);
}
.has-sub:hover .sub,.has-sub:focus-within .sub{opacity:1;visibility:visible;transform:translateY(4px)}
.sub a{padding:9px 12px;font-size:.9rem}
.sub a:hover{background:rgba(27,247,138,.12);color:var(--dark)}
.header-cta{display:flex;align-items:center;gap:14px}
.header-phone{font-family:var(--font-display);font-weight:700;font-size:1.05rem;letter-spacing:.04em;color:var(--dark);white-space:nowrap}
.header-phone span{color:var(--volt-text);margin-right:6px}
.header-cta .btn{padding:11px 20px;font-size:.92rem}
.nav-toggle{display:none;background:none;border:1.5px solid var(--line);border-radius:8px;color:var(--dark);padding:9px 12px;cursor:pointer;font-size:1.1rem}

/* ---------- hero ---------- */
.hero{position:relative;padding:90px 0 70px;overflow:hidden;background:linear-gradient(180deg,#fbfaff,#fff)}
.hero::before{
  content:"";position:absolute;top:-30%;right:-12%;width:720px;height:720px;border-radius:50%;
  background:radial-gradient(circle,rgba(27,247,138,.18),transparent 65%);pointer-events:none;
}
.hero::after{
  content:"";position:absolute;bottom:0;left:0;right:0;height:6px;
  background:repeating-linear-gradient(-45deg,var(--volt) 0 18px,transparent 18px 36px);
  opacity:.6;
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1 .line{display:block}
.hero .lead{margin:24px 0 30px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.hero-points li{
  font-size:.85rem;color:var(--body);border:1px solid var(--line);
  border-radius:99px;padding:7px 15px;background:#fff;box-shadow:var(--shadow-sm);
}
.hero-points li b{color:var(--volt-text);font-weight:700}

/* quote form card */
.quote-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;box-shadow:var(--shadow-lg);position:relative;
}
.quote-card::before{
  content:"";position:absolute;top:0;left:24px;right:24px;height:3px;
  background:var(--volt);border-radius:0 0 4px 4px;
}
.quote-card h3{margin-bottom:6px}
.quote-card .sub-note{color:var(--muted);font-size:.9rem;margin-bottom:20px}
.form-grid{display:grid;gap:14px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field label{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:6px;font-weight:700}
.field input,.field select,.field textarea{
  width:100%;padding:13px 14px;border-radius:8px;
  background:#faf9fd;border:1.5px solid var(--line);color:var(--text);
  font-family:var(--font-body);font-size:.95rem;transition:border-color .15s,box-shadow .15s;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--volt-deep);box-shadow:0 0 0 3px rgba(27,247,138,.18)}
.field select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2300875a' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}
.quote-card .btn{width:100%;justify-content:center;margin-top:6px}
.trust-line{display:flex;gap:14px;justify-content:center;margin-top:16px;font-size:.78rem;color:var(--muted)}
.trust-line span::before{content:"✓ ";color:var(--volt-text)}
.form-success{display:none;text-align:center;padding:40px 10px}
.form-success .big-tick{font-size:3rem;color:var(--volt-text)}

/* ---------- marquee ---------- */
.marquee{border-block:1px solid var(--line);padding:16px 0;overflow:hidden;background:var(--navy)}
.marquee-track{display:flex;gap:48px;width:max-content;animation:scroll 30s linear infinite}
.marquee-track span{
  font-family:var(--font-display);font-weight:700;text-transform:uppercase;
  letter-spacing:.12em;font-size:1.05rem;color:var(--muted);white-space:nowrap;
}
.marquee-track span::after{content:"●";color:var(--volt-deep);margin-left:48px;font-size:.6em;vertical-align:middle}
@keyframes scroll{to{transform:translateX(-50%)}}

/* ---------- sections ---------- */
.section{padding:96px 0;position:relative}
.section-head{margin-bottom:52px;max-width:760px}
.section-head.center{margin-inline:auto;text-align:center}
.section-head.center .kicker{justify-content:center}
.section-head.center .kicker::before{display:none}
.section-head .lead{margin-top:16px}
.section-alt{background:var(--navy);border-block:1px solid var(--line)}

/* cards grid */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:32px 28px;position:relative;overflow:hidden;box-shadow:var(--shadow-sm);
  transition:transform .22s ease,border-color .22s ease,box-shadow .22s ease;display:block;
}
.card::after{
  content:"→";position:absolute;right:24px;bottom:20px;color:var(--volt-text);
  font-size:1.3rem;opacity:0;transform:translateX(-8px);transition:all .22s;
}
.card:hover{transform:translateY(-6px);border-color:rgba(16,217,117,.6);box-shadow:var(--shadow-lg)}
.card:hover::after{opacity:1;transform:translateX(0)}
.card .icon{
  width:52px;height:52px;border-radius:10px;display:grid;place-items:center;
  background:rgba(27,247,138,.16);color:var(--volt-text);font-size:1.5rem;margin-bottom:20px;
  border:1px solid rgba(16,217,117,.35);
}
.card h3{margin-bottom:10px}
.card p{color:var(--body);font-size:.94rem}

/* stats band */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.stat .num{
  font-family:var(--font-display);font-weight:800;font-size:clamp(2.6rem,5vw,4rem);
  color:var(--volt-text);line-height:1;
}
.stat .lbl{color:var(--muted);font-size:.88rem;margin-top:8px;text-transform:uppercase;letter-spacing:.12em}

/* process */
.process{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:step}
.step{position:relative;padding:28px 22px;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.step::before{
  counter-increment:step;content:"0" counter(step);
  font-family:var(--font-display);font-weight:800;font-size:3rem;line-height:1;
  color:transparent;-webkit-text-stroke:1.5px rgba(16,217,117,.8);display:block;margin-bottom:16px;
}
.step h3{font-size:1.15rem;margin-bottom:8px}
.step p{color:var(--body);font-size:.86rem}

/* why choose / feature list */
.features{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.feature{display:flex;gap:18px;padding:26px;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.feature .icon{flex:0 0 46px;height:46px;border-radius:9px;display:grid;place-items:center;background:rgba(27,247,138,.16);border:1px solid rgba(16,217,117,.35);color:var(--volt-text);font-size:1.3rem}
.feature h3{font-size:1.2rem;margin-bottom:6px}
.feature p{color:var(--body);font-size:.92rem}

/* lenders */
.lender-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.lender{
  border:1px solid var(--line);border-radius:10px;padding:20px 10px;text-align:center;
  font-family:var(--font-display);font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:var(--muted);font-size:.85rem;background:#fff;
  transition:color .18s,border-color .18s,box-shadow .18s;
}
.lender:hover{color:var(--dark);border-color:rgba(16,217,117,.55);box-shadow:var(--shadow-sm)}

/* testimonials */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.testi{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;display:flex;flex-direction:column;gap:16px;box-shadow:var(--shadow-sm);
}
.testi .stars{color:#f5a623;letter-spacing:3px;font-size:.9rem}
.testi blockquote{color:var(--body);font-size:.93rem;flex:1}
.testi .who{font-family:var(--font-display);font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--dark)}
.testi .who small{display:block;color:var(--volt-text);font-family:var(--font-body);font-weight:600;text-transform:none;letter-spacing:0;font-size:.8rem;margin-top:3px}

/* accordion / FAQ */
.faq{max-width:840px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:var(--panel);overflow:hidden;box-shadow:var(--shadow-sm)}
.faq-item summary{
  cursor:pointer;padding:20px 24px;font-family:var(--font-display);font-weight:700;
  font-size:1.15rem;text-transform:uppercase;letter-spacing:.03em;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:16px;color:var(--dark);
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";color:var(--volt-text);font-size:1.5rem;font-weight:400;transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 24px 22px;color:var(--body);font-size:.95rem}
.faq-body ul{list-style:disc;padding-left:20px;display:grid;gap:8px;margin-top:10px}
.faq-body p+p{margin-top:10px}

/* CTA band — dark indigo for contrast */
.cta-band{
  position:relative;padding:80px 0;text-align:center;overflow:hidden;
  background:linear-gradient(135deg,var(--dark),var(--dark-2));
  border-block:1px solid var(--line);
}
.cta-band::before,.cta-band::after{
  content:"";position:absolute;top:0;bottom:0;width:90px;
  background:repeating-linear-gradient(-45deg,rgba(27,247,138,.22) 0 14px,transparent 14px 28px);
}
.cta-band::before{left:0}
.cta-band::after{right:0}
.cta-band h2{margin-bottom:14px;color:#fff}
.cta-band p{color:#b9b3d1;max-width:54ch;margin:0 auto 30px}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.cta-band .btn-ghost:hover{border-color:var(--volt);color:var(--volt)}

/* split layout */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split .lead{margin-top:16px}
.split-figure{
  border:1px solid var(--line);border-radius:var(--radius);min-height:340px;
  background:
    radial-gradient(circle at 70% 20%,rgba(27,247,138,.2),transparent 55%),
    var(--panel-2);
  display:grid;place-items:center;position:relative;overflow:hidden;
}
.split-figure .big-icon{font-size:6rem;opacity:.92}
.split-figure::after{
  content:"";position:absolute;inset:auto 0 0 0;height:5px;
  background:repeating-linear-gradient(-45deg,var(--volt) 0 14px,transparent 14px 28px);opacity:.55;
}
.checklist{display:grid;gap:12px;margin-top:24px}
.checklist li{display:flex;gap:12px;color:var(--body);font-size:.97rem}
.checklist li::before{content:"✓";color:var(--volt-text);font-weight:700;flex:0 0 auto}

/* breadcrumbs */
.crumbs{padding:18px 0 0;font-size:.85rem;color:var(--muted)}
.crumbs a:hover{color:var(--volt-text)}
.crumbs span{margin:0 8px;color:var(--volt-deep)}

/* page hero (interior) */
.page-hero{padding:64px 0 70px;position:relative;overflow:hidden;background:linear-gradient(180deg,#fbfaff,#fff)}
.page-hero::before{
  content:"";position:absolute;top:-40%;right:-10%;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle,rgba(27,247,138,.16),transparent 60%);
}
.page-hero .lead{margin-top:20px}
.page-hero .cta-actions{justify-content:flex-start;margin-top:30px}
.page-hero .btn-ghost,.section .btn-ghost{color:var(--text);border-color:var(--line)}
.page-hero .btn-ghost:hover,.section .btn-ghost:hover{color:var(--volt-text);border-color:var(--volt-deep)}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.contact-cards{display:grid;gap:16px}
.contact-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;box-shadow:var(--shadow-sm)}
.contact-card h3{font-size:1.05rem;color:var(--volt-text);margin-bottom:8px}
.contact-card a{font-family:var(--font-display);font-weight:700;font-size:1.45rem;letter-spacing:.03em;display:block;color:var(--dark)}
.contact-card a:hover{color:var(--volt-text)}
.contact-card p{color:var(--body);font-size:.92rem}

/* footer — dark indigo */
.site-footer{border-top:1px solid var(--line);background:var(--dark);padding:70px 0 0;margin-top:0;color:#cfcae2}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:50px}
.footer-grid h4{font-family:var(--font-display);text-transform:uppercase;letter-spacing:.1em;font-size:1rem;margin-bottom:18px;color:#fff}
.footer-grid ul{display:grid;gap:10px}
.footer-grid a{color:#b9b3d1;font-size:.92rem;transition:color .15s}
.footer-grid a:hover{color:var(--volt)}
.footer-about .logo{color:#fff}
.footer-about .logo em{color:var(--volt)}
.footer-about p{color:#b9b3d1;font-size:.92rem;margin:16px 0 20px;max-width:36ch}
.socials{display:flex;gap:10px}
.socials a{
  width:40px;height:40px;border:1px solid rgba(255,255,255,.18);border-radius:8px;
  display:grid;place-items:center;color:#b9b3d1;font-size:.8rem;font-weight:700;
}
.socials a:hover{border-color:var(--volt);color:var(--volt)}
.memberships{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.memberships span{
  border:1px solid rgba(255,255,255,.18);border-radius:6px;padding:6px 12px;
  font-size:.75rem;letter-spacing:.08em;color:#b9b3d1;font-weight:600;
}
.compliance{
  border-top:1px solid rgba(255,255,255,.12);padding:28px 0;color:#8d87a8;font-size:.78rem;line-height:1.7;
}
.compliance p+p{margin-top:10px}
.compliance .placeholder{color:var(--volt);opacity:.85}
.footer-base{
  border-top:1px solid rgba(255,255,255,.12);padding:22px 0;display:flex;gap:18px;flex-wrap:wrap;
  align-items:center;justify-content:space-between;color:#8d87a8;font-size:.83rem;
}
.footer-base ul{display:flex;gap:20px}
.footer-base a:hover{color:var(--volt)}

/* sticky mobile CTA */
.sticky-cta{
  position:fixed;bottom:0;left:0;right:0;z-index:70;display:none;
  background:rgba(255,255,255,.96);backdrop-filter:blur(10px);
  border-top:1px solid var(--line);padding:10px 14px;gap:10px;
  box-shadow:0 -8px 24px rgba(30,23,52,.1);
}
.sticky-cta .btn{flex:1;justify-content:center;padding:13px 10px;font-size:.9rem}

/* reveal animations */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
.reveal-stagger>*{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.reveal-stagger.in>*{opacity:1;transform:none}
.reveal-stagger.in>*:nth-child(1){transition-delay:.05s}
.reveal-stagger.in>*:nth-child(2){transition-delay:.13s}
.reveal-stagger.in>*:nth-child(3){transition-delay:.21s}
.reveal-stagger.in>*:nth-child(4){transition-delay:.29s}
.reveal-stagger.in>*:nth-child(5){transition-delay:.37s}
.reveal-stagger.in>*:nth-child(6){transition-delay:.45s}

/* hero load animation */
@keyframes rise{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:none}}
.hero .kicker{animation:rise .7s .05s both}
.hero h1{animation:rise .7s .15s both}
.hero .lead{animation:rise .7s .3s both}
.hero .hero-points{animation:rise .7s .45s both}
.hero .quote-card{animation:rise .8s .35s both}

/* legal pages */
.legal-body{max-width:800px}
.legal-body h2{font-size:1.6rem;margin:40px 0 14px}
.legal-body p,.legal-body li{color:var(--body);font-size:.96rem}
.legal-body ul{list-style:disc;padding-left:22px;display:grid;gap:8px;margin:12px 0}
.legal-body a{color:var(--volt-text)!important}
.draft-note{
  border:1.5px dashed rgba(0,135,90,.55);border-radius:10px;padding:16px 20px;
  color:var(--volt-text);font-size:.88rem;margin:24px 0;background:rgba(27,247,138,.08);
}

/* ---------- responsive ---------- */
@media(max-width:1024px){
  .cards,.testi-grid{grid-template-columns:repeat(2,1fr)}
  .process{grid-template-columns:repeat(3,1fr)}
  .lender-grid{grid-template-columns:repeat(4,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:880px){
  .hero-grid,.split,.contact-grid{grid-template-columns:1fr;gap:40px}
  .nav{
    position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;
    padding:18px 24px 28px;border-bottom:1px solid var(--line);display:none;z-index:55;
    box-shadow:var(--shadow-lg);
  }
  .nav.open{display:flex;align-items:stretch}
  .nav>li{width:100%;text-align:left}
  .nav a{padding:13px 8px;font-size:1.05rem}
  .sub{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;background:transparent;padding-left:16px;display:none}
  .has-sub.open .sub{display:block}
  .nav-toggle{display:block;margin-left:auto}
  .header-cta{display:none}
  .sticky-cta{display:flex}
  body{padding-bottom:64px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .features{grid-template-columns:1fr}
}
@media(max-width:560px){
  .cards,.testi-grid,.process{grid-template-columns:1fr}
  .lender-grid{grid-template-columns:repeat(3,1fr)}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .section{padding:70px 0}
  .cta-band::before,.cta-band::after{width:30px}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}
  .marquee-track{animation:none}
}

/* ============ v2: photography & dark heroes ============ */
.hero.hero-photo{
  background:var(--dark);color:#fff;padding:100px 0 90px;
}
.hero.hero-photo::before{
  inset:0;top:0;right:0;width:auto;height:auto;border-radius:0;
  background:var(--hero-img) center/cover no-repeat;
  opacity:.55;filter:saturate(1.05);
}
.hero.hero-photo .wrap::before{
  content:"";position:absolute;inset:-100px -100vw -90px -100vw;z-index:-1;
  background:linear-gradient(100deg,rgba(30,23,52,.96) 0%,rgba(30,23,52,.82) 42%,rgba(30,23,52,.25) 75%,rgba(30,23,52,.1) 100%);
}
.hero.hero-photo h1{color:#fff;text-shadow:0 2px 30px rgba(0,0,0,.35)}
.hero.hero-photo .outline-word{color:transparent;-webkit-text-stroke:1.5px rgba(255,255,255,.85)}
.hero.hero-photo .accent{color:var(--volt)}
.hero.hero-photo .kicker{color:var(--volt)}
.hero.hero-photo .lead{color:rgba(255,255,255,.86)}
.hero.hero-photo .hero-points li{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:rgba(255,255,255,.85);backdrop-filter:blur(6px)}
.hero.hero-photo .hero-points li b{color:var(--volt)}
.hero.hero-photo .quote-card{box-shadow:0 40px 80px rgba(0,0,0,.45)}

.page-hero.has-photo{
  background:var(--dark);color:#fff;padding:84px 0 90px;
}
.page-hero.has-photo::before{
  inset:0;top:0;right:0;width:auto;height:auto;border-radius:0;
  background:var(--hero-img) center 40%/cover no-repeat;opacity:.5;
}
.page-hero.has-photo::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(30,23,52,.96) 0%,rgba(30,23,52,.8) 45%,rgba(30,23,52,.25) 80%);
}
.page-hero.has-photo .wrap{z-index:2}
.page-hero.has-photo h1{color:#fff}
.page-hero.has-photo .accent,.page-hero.has-photo .kicker{color:var(--volt)}
.page-hero.has-photo .lead{color:rgba(255,255,255,.86)}
.page-hero.has-photo .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.page-hero.has-photo .btn-ghost:hover{color:var(--volt);border-color:var(--volt)}
.page-hero.has-photo + .marquee{border-top:0}

.split-figure.photo{
  min-height:0;border:0;padding:0;background:none;display:block;
  box-shadow:var(--shadow-lg);transform:rotate(-1.2deg);
}
.split-figure.photo img{width:100%;height:100%;min-height:340px;object-fit:cover;border-radius:var(--radius)}
.split-figure.photo::after{height:6px;opacity:.85;border-radius:0 0 var(--radius) var(--radius)}
.split > .split-figure.photo:first-child{transform:rotate(1.2deg)}

.card.card-photo{padding:0}
.card-img{width:100%;aspect-ratio:16/10;object-fit:cover;transition:transform .5s ease}
.card.card-photo:hover .card-img{transform:scale(1.04)}
.card.card-photo .card-body{padding:24px 26px 30px}
.card.card-photo .card-body h3{margin-bottom:8px}

@media(max-width:880px){
  .hero.hero-photo{padding:70px 0 60px}
  .hero.hero-photo::before,.page-hero.has-photo::before{opacity:.35}
  .split-figure.photo,.split > .split-figure.photo:first-child{transform:none}
  .split-figure.photo img{min-height:240px}
}

/* ============ v3: real logo, big lender grid, Google reviews ============ */
.logo img{height:30px;width:auto;display:block}
.nav a{white-space:nowrap}
.site-footer .logo img{height:38px}
.lender-grid-lg{grid-template-columns:repeat(6,1fr)}
.lender-grid-lg .lender{font-size:.78rem;padding:14px 8px}
.greviews-bar{
  display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;
  margin:22px auto 40px;
}
.g-logo{display:grid;place-items:center}
.g-stars{color:#f5a623;letter-spacing:3px;font-size:1.05rem}
.g-note{color:var(--muted);font-size:.9rem}
.g-btn{padding:11px 20px;font-size:.9rem}
@media(max-width:1024px){.lender-grid-lg{grid-template-columns:repeat(4,1fr)}}
@media(max-width:560px){.lender-grid-lg{grid-template-columns:repeat(3,1fr)}}

/* ============ v4: insurance ============ */
.hero-tag{font-family:var(--font-display);text-transform:uppercase;letter-spacing:.1em;font-size:1.05rem;margin-top:18px;color:var(--volt)}
.page-hero.has-photo .hero-tag b{color:var(--volt)}

.cards-2{grid-template-columns:repeat(2,1fr)}
.card-static{cursor:default}
.card-static::after{content:none}
.card-static:hover{transform:none;border-color:var(--line);box-shadow:var(--shadow-sm)}
.card .note{margin-top:16px;font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}
.cover-list{margin-top:16px;border-top:1px solid var(--line);padding-top:14px}
.cover-list summary{
  cursor:pointer;list-style:none;font-family:var(--font-display);font-weight:700;
  text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;color:var(--volt-text);
  display:flex;justify-content:space-between;align-items:center;gap:10px;
}
.cover-list summary::-webkit-details-marker{display:none}
.cover-list summary::after{content:"+";font-size:1.3rem;font-weight:400;transition:transform .2s}
.cover-list[open] summary::after{transform:rotate(45deg)}
.cover-list ul{margin-top:14px;display:grid;gap:9px}
.cover-list li{position:relative;padding-left:20px;font-size:.9rem;color:var(--body)}
.cover-list li::before{content:"✓";position:absolute;left:0;color:var(--volt-text);font-weight:700}
.cover-list li b{color:var(--text)}

.feature.wide{grid-column:1/-1}

.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.risk{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 24px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden;
}
.risk::after{content:"";position:absolute;inset:auto 0 0 0;height:4px;background:var(--volt);opacity:.5}
.risk .icon{font-size:1.7rem;margin-bottom:14px}
.risk h3{font-size:1.1rem;margin-bottom:8px}
.risk p{color:var(--body);font-size:.9rem}

.form-card-wide{max-width:760px;margin:0 auto}
.consent{
  display:flex;gap:11px;align-items:flex-start;font-size:.85rem;color:var(--muted);
  line-height:1.5;margin-top:6px;cursor:pointer;
}
.consent input{flex:0 0 auto;margin-top:2px;width:17px;height:17px;accent-color:var(--volt-deep)}

.disclosure{
  border:1px solid var(--line);border-left:4px solid var(--volt-deep);border-radius:var(--radius);
  background:var(--panel);padding:30px 32px;max-width:900px;margin:0 auto;
}
.disclosure-h{font-size:1.25rem!important;margin-bottom:14px}
.disclosure p{font-size:.86rem;color:var(--muted);line-height:1.65}
.disclosure p + p{margin-top:12px}

/* insurance cross-sell strip */
.insure-strip{
  border-block:1px solid var(--line);background:var(--navy);padding:34px 0;
}
.insure-strip .wrap{display:flex;align-items:center;gap:26px;flex-wrap:wrap;justify-content:space-between}
.insure-strip h3{font-size:1.4rem;margin-bottom:6px}
.insure-strip p{color:var(--body);font-size:.94rem;max-width:60ch}
.insure-strip .btn{flex:0 0 auto}

@media(max-width:1200px){ .header-phone{display:none} }
@media(max-width:1024px){
  .cards-2,.risk-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:640px){
  .cards-2,.risk-grid{grid-template-columns:1fr}
  .feature.wide{grid-column:auto}
  .insure-strip .wrap{flex-direction:column;align-items:flex-start}
}

/* v4 fixes: hero sub + header fit with 5 nav items */
.hero-sub{
  font-family:var(--font-display);font-weight:700;text-transform:uppercase;
  letter-spacing:.04em;font-size:clamp(1.3rem,2.6vw,2rem);line-height:1.05;
  margin-top:14px;color:rgba(255,255,255,.92);
}
.header-cta .btn{white-space:nowrap}
@media(max-width:1400px){
  .site-header .wrap{gap:18px}
  .nav a{padding:10px 10px}
}

/* ============ v5: stop header shifting between pages ============ */
/* The active nav item must NOT change the width of the menu, or every other
   item (and the logo) moves as you navigate. Colour + an absolutely
   positioned underline only — never font-weight, letter-spacing or padding. */
.nav a{position:relative}
.nav>li>a[aria-current="page"]::before{
  content:"";position:absolute;left:14px;right:14px;bottom:2px;height:2px;
  background:var(--volt);border-radius:2px;
}
/* Logo is fixed size on every page: never let flex squeeze it, and never let
   the global img{max-width:100%} scale it down inside a tight header. */
.logo{flex:0 0 auto;line-height:0}
.logo img{height:30px;width:auto;max-width:none;display:block}
.site-footer .logo img{height:38px;max-width:none}
/* The nav is the only element allowed to absorb tight widths. */
.header-cta{flex:0 0 auto}
.nav-toggle{flex:0 0 auto}
.nav{min-width:0}
@media(max-width:880px){
  .nav>li>a[aria-current="page"]::before{left:8px;right:auto;width:22px;bottom:6px}
}