/* ==========================================================================
   LOAN INTEL HUB — design system v2
   Concept: a field-ops "intel console" — a fixed side dock (not a top nav),
   a briefing-poster hero with a rotating radar mark, and clipped-corner
   dossier panels. Cursor tracer + reticle hovers carried over from v1.
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700&family=JetBrains+Mono:wght@400;500;600&family=Inter:wght@400;500;600&display=swap');

:root{
  --ink:        #0A0E14;
  --ink-2:      #0F1622;
  --ink-3:      #141D2C;
  --ink-4:      #1B2536;
  --line:       #253044;
  --line-soft:  #1A2333;
  --paper:      #EAF0F6;
  --muted:      #8C9BB0;
  --muted-2:    #5E6C80;
  --amber:      #FFB130;
  --amber-dim:  #A87B2A;
  --cyan:       #3FE8D0;
  --cyan-dim:   #1F8478;
  --red:        #FF6B6B;
  --red-dim:    #5A2A2A;

  --f-display: 'Space Grotesk', 'Arial Narrow', sans-serif;
  --f-mono:    'JetBrains Mono', 'Courier New', monospace;
  --f-body:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --dock-w: 292px;
  --dock-w-collapsed: 84px;
  --container: 1080px;
  --shadow-lift: 0 20px 60px -20px rgba(0,0,0,.6);
  --clip: polygon(0 0, calc(100% - 18px) 0, 100% 18px, 100% 100%, 18px 100%, 0 calc(100% - 18px));
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--ink);
  color:var(--paper);
  font-family:var(--f-body);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{ font-family:var(--f-display); font-weight:600; line-height:1.12; margin:0 0 .5em; letter-spacing:-.01em; }
p{ margin:0 0 1em; color:var(--muted); }
button{ font-family:inherit; }
input,select{ font-family:inherit; }
::selection{ background:var(--amber); color:var(--ink); }
:focus-visible{ outline:2px solid var(--cyan); outline-offset:3px; }

.container{ max-width:var(--container); margin:0 auto; padding:0 40px; }

body{
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.05) 1px, transparent 0);
  background-size: 26px 26px;
}

/* ---------------------------------------------------------------------- */
/* cursor tracer                                                          */
/* ---------------------------------------------------------------------- */
.tracer-dot,.tracer-ring{ position:fixed; top:0; left:0; pointer-events:none; z-index:9999; border-radius:50%; transform:translate(-50%,-50%); will-change:transform; }
.tracer-dot{ width:6px; height:6px; background:var(--cyan); box-shadow:0 0 8px 1px var(--cyan); }
.tracer-ring{ width:34px; height:34px; border:1px solid rgba(63,232,208,.55); transition:width .18s ease, height .18s ease, border-color .18s ease, opacity .18s ease; }
.tracer-ring::before,.tracer-ring::after{ content:""; position:absolute; background:rgba(63,232,208,.7); }
.tracer-ring::before{ top:50%; left:-9px; width:6px; height:1px; }
.tracer-ring::after{ top:-9px; left:50%; width:1px; height:6px; }
.tracer-ring.is-active{ width:52px; height:52px; border-color:var(--amber); }
.tracer-ring.is-active::before,.tracer-ring.is-active::after{ background:var(--amber); }
@media (hover:none), (pointer:coarse){ .tracer-dot,.tracer-ring{ display:none; } }
.reduce-motion .tracer-dot,.reduce-motion .tracer-ring{ display:none; }

.reticle{ position:relative; }
.reticle::before,.reticle::after{ content:""; position:absolute; width:12px; height:12px; border-color:var(--cyan); border-style:solid; border-width:0; opacity:0; transition:opacity .2s ease, transform .2s ease; pointer-events:none; }
.reticle::before{ top:-6px; left:-6px; border-top-width:2px; border-left-width:2px; transform:translate(4px,4px); }
.reticle::after{ bottom:-6px; right:-6px; border-bottom-width:2px; border-right-width:2px; transform:translate(-4px,-4px); }
.reticle:hover::before,.reticle:hover::after,.reticle:focus-visible::before,.reticle:focus-visible::after{ opacity:1; transform:translate(0,0); }

/* ---------------------------------------------------------------------- */
/* buttons                                                                 */
/* ---------------------------------------------------------------------- */
.btn{ display:inline-flex; align-items:center; gap:8px; justify-content:center; font-family:var(--f-mono); font-size:12.5px; letter-spacing:.06em; text-transform:uppercase; padding:13px 22px; border-radius:2px; border:1px solid transparent; cursor:pointer; transition:transform .15s ease, box-shadow .15s ease, border-color .15s ease, background .15s ease, color .15s ease; white-space:nowrap; }
.btn-primary{ background:var(--amber); color:#181205; border-color:var(--amber); font-weight:600; }
.btn-primary:hover{ box-shadow:0 0 0 3px rgba(255,177,48,.18); transform:translateY(-1px); }
.btn-outline{ background:transparent; color:var(--paper); border-color:var(--line); }
.btn-outline:hover{ border-color:var(--cyan); color:var(--cyan); }
.btn-ghost{ background:transparent; color:var(--muted); border-color:transparent; }
.btn-ghost:hover{ color:var(--paper); }
.btn-sm{ padding:9px 16px; font-size:11.5px; }
.btn-block{ width:100%; }

/* ---------------------------------------------------------------------- */
/* SIDE DOCK — replaces top nav entirely                                  */
/* ---------------------------------------------------------------------- */
.side-dock{
  position:fixed; top:0; left:0; bottom:0; width:var(--dock-w); z-index:80;
  background:var(--ink-2); border-right:1px solid var(--line-soft);
  display:flex; flex-direction:column;
  padding:28px 20px 20px;
}
.dock-logo{ display:flex; flex-direction:column; align-items:center; text-align:center; gap:14px; padding:10px 4px 28px; border-bottom:1px solid var(--line-soft); margin-bottom:20px; position:relative; }
.dock-mark{ width:76px; height:76px; flex:none; filter:drop-shadow(0 0 14px rgba(63,232,208,.28)); }
.dock-brand-text{ display:flex; flex-direction:column; align-items:center; line-height:1.15; }
.dock-brand-name{ font-family:var(--f-display); font-weight:700; font-size:23px; color:var(--paper); letter-spacing:.01em; }
.dock-brand-name span{ color:var(--amber); }
.dock-brand-tag{ font-family:var(--f-mono); font-size:9.5px; letter-spacing:.14em; text-transform:uppercase; color:var(--muted-2); margin-top:7px; }

.dock-nav{ display:flex; flex-direction:column; gap:3px; flex:1; overflow-y:auto; }
.dock-btn{
  display:flex; align-items:center; gap:13px; padding:12px 14px;
  font-family:var(--f-mono); font-size:12.5px; letter-spacing:.04em; text-transform:uppercase;
  color:var(--muted); border-left:2px solid transparent; position:relative;
  transition:color .15s ease, background .15s ease, border-color .15s ease;
}
.dock-btn svg{ width:17px; height:17px; flex:none; opacity:.8; }
.dock-btn:hover{ color:var(--paper); background:rgba(255,255,255,.03); }
.dock-btn.is-active{ color:var(--paper); border-left-color:var(--amber); background:rgba(255,177,48,.07); }
.dock-btn.is-active svg{ opacity:1; color:var(--amber); }
.dock-btn .db-num{ margin-left:auto; font-size:10px; color:var(--muted-2); }

.dock-footer{ padding-top:16px; border-top:1px solid var(--line-soft); margin-top:14px; }
.dock-status{ display:flex; align-items:center; gap:8px; font-family:var(--f-mono); font-size:10px; letter-spacing:.06em; text-transform:uppercase; color:var(--muted-2); margin-bottom:14px; }
.dock-status .sb-dot{ width:6px; height:6px; border-radius:50%; background:var(--cyan); box-shadow:0 0 6px var(--cyan); animation:pulseDot 2.2s ease-in-out infinite; flex:none; }
@keyframes pulseDot{ 0%,100%{opacity:1;} 50%{opacity:.35;} }
.dock-contact{ font-family:var(--f-mono); font-size:11px; color:var(--muted); margin-bottom:14px; line-height:1.7; word-break:break-word; }
.dock-contact a{ color:var(--cyan); }

.dock-toggle{
  display:none; position:fixed; top:18px; left:18px; z-index:100;
  width:44px; height:44px; background:var(--ink-2); border:1px solid var(--line);
  align-items:center; justify-content:center; flex-direction:column; gap:4px; cursor:pointer;
  transition:left .25s ease;
}
.dock-toggle span{ width:18px; height:2px; background:var(--paper); display:block; transition:transform .2s ease, opacity .2s ease; }
.dock-toggle[aria-expanded="true"]{ left:calc(var(--dock-w) + 14px); }
.dock-toggle[aria-expanded="true"] span:nth-child(1){ transform:translateY(6px) rotate(45deg); }
.dock-toggle[aria-expanded="true"] span:nth-child(2){ opacity:0; }
.dock-toggle[aria-expanded="true"] span:nth-child(3){ transform:translateY(-6px) rotate(-45deg); }
.dock-overlay{ display:none; position:fixed; inset:0; background:rgba(5,7,10,.7); z-index:75; }

.content-area{ margin-left:var(--dock-w); min-height:100vh; display:flex; flex-direction:column; }
main{ flex:1; }

@media (max-width:960px){
  .side-dock{ transform:translateX(-100%); transition:transform .25s ease; box-shadow:0 0 60px rgba(0,0,0,.5); }
  .side-dock.is-open{ transform:translateX(0); }
  .dock-toggle{ display:flex; }
  .dock-overlay.is-open{ display:block; }
  .content-area{ margin-left:0; }
}
@media (max-width:420px){
  :root{ --dock-w: 248px; }
}

/* ---------------------------------------------------------------------- */
/* hero — poster style, no side-by-side card                              */
/* ---------------------------------------------------------------------- */
.hero{ position:relative; padding:96px 0 64px; overflow:hidden; border-bottom:1px solid var(--line-soft); }
.hero-radar{ position:absolute; top:-180px; right:-220px; width:620px; height:620px; pointer-events:none; z-index:0; opacity:.5; }
.hero-radar .ring{ position:absolute; border:1px solid rgba(63,232,208,.18); border-radius:50%; top:50%; left:50%; transform:translate(-50%,-50%); }
.hero-radar .ring.r1{ width:620px; height:620px; }
.hero-radar .ring.r2{ width:460px; height:460px; border-color:rgba(63,232,208,.14); }
.hero-radar .ring.r3{ width:300px; height:300px; border-color:rgba(255,177,48,.16); }
.hero-radar .cross{ position:absolute; top:50%; left:50%; transform:translate(-50%,-50%); width:620px; height:1px; background:linear-gradient(90deg, transparent, rgba(63,232,208,.14), transparent); }
.hero-radar .cross.vert{ width:1px; height:620px; }
.hero-radar .sweep{ position:absolute; top:50%; left:50%; width:310px; height:310px; margin:-310px 0 0 -310px; border-radius:50%; background:conic-gradient(from 0deg, rgba(63,232,208,.22), transparent 26%); animation:radarspin 7s linear infinite; }
@keyframes radarspin{ to{ transform:rotate(360deg); } }

.hero-inner{ position:relative; z-index:1; max-width:760px; }
.eyebrow{ display:inline-flex; align-items:center; gap:9px; font-family:var(--f-mono); font-size:11.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--cyan); margin:0 0 18px; }
.eyebrow::before{ content:""; width:16px; height:1px; background:var(--cyan); }
.hero h1{ font-size:52px; color:var(--paper); max-width:14ch; }
.hero .lead{ font-size:17.5px; max-width:52ch; margin-top:18px; }
.hero-actions{ display:flex; gap:14px; margin-top:32px; flex-wrap:wrap; }
.trust-row{ display:flex; gap:26px; margin-top:38px; flex-wrap:wrap; }
.trust-item{ display:flex; align-items:center; gap:9px; font-family:var(--f-mono); font-size:11.5px; letter-spacing:.03em; color:var(--muted-2); text-transform:uppercase; }
.trust-item svg{ width:16px; height:16px; color:var(--amber); flex:none; }

/* ---- console strip — full-width calculator bar ---- */
.console{ border-bottom:1px solid var(--line-soft); background:var(--ink-2); padding:36px 0; }
.console-head{ display:flex; align-items:baseline; justify-content:space-between; margin-bottom:22px; flex-wrap:wrap; gap:8px; }
.console-head .ch-title{ font-family:var(--f-mono); font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--paper); }
.console-head .ch-sub{ font-family:var(--f-mono); font-size:11px; color:var(--muted-2); }
.console-grid{ display:grid; grid-template-columns:repeat(3,1fr) auto repeat(3,1fr); gap:22px; align-items:end; }
.console-field label{ display:block; font-family:var(--f-mono); font-size:10.5px; letter-spacing:.05em; text-transform:uppercase; color:var(--muted); margin-bottom:8px; }
.console-field input, .console-field select{ width:100%; background:var(--ink); border:1px solid var(--line); color:var(--paper); padding:11px 12px; font-family:var(--f-mono); font-size:14px; border-radius:2px; }
.console-field input:focus, .console-field select:focus{ border-color:var(--cyan); outline:none; }
.console-div{ width:1px; height:44px; background:var(--line); justify-self:center; }
.console-result{ text-align:left; }
.console-result .cr-label{ font-family:var(--f-mono); font-size:10.5px; letter-spacing:.05em; text-transform:uppercase; color:var(--muted-2); display:block; margin-bottom:6px; }
.console-result .cr-val{ font-family:var(--f-mono); font-size:19px; font-weight:600; color:var(--paper); }
.console-result.is-total .cr-val{ color:var(--amber); font-size:22px; }
.console-note{ font-family:var(--f-mono); font-size:10.5px; color:var(--muted-2); margin-top:20px; }
@media (max-width:1080px){ .console-grid{ grid-template-columns:repeat(3,1fr); gap:18px; } .console-div{ display:none; } }
@media (max-width:640px){ .console-grid{ grid-template-columns:1fr 1fr; } }

/* ---------------------------------------------------------------------- */
/* readout strip                                                           */
/* ---------------------------------------------------------------------- */
.readout-strip{ padding:44px 0; border-bottom:1px solid var(--line-soft); }
.readout-grid{ display:grid; grid-template-columns:repeat(4,1fr); }
.readout-item{ padding:0 26px; border-left:1px solid var(--line-soft); }
.readout-item:first-child{ border-left:none; padding-left:0; }
.readout-num{ font-family:var(--f-display); font-size:36px; font-weight:700; color:var(--paper); }
.readout-num span{ color:var(--cyan); }
.readout-label{ font-family:var(--f-mono); font-size:11.5px; color:var(--muted-2); margin-top:9px; line-height:1.5; }

/* ---------------------------------------------------------------------- */
/* section rhythm                                                          */
/* ---------------------------------------------------------------------- */
.section{ padding:92px 0; }
.section-tint{ background:var(--ink-2); border-top:1px solid var(--line-soft); border-bottom:1px solid var(--line-soft); }
.text-center{ text-align:center; }
.mb-40{ margin-bottom:40px; }
.mt-24{ margin-top:24px; }
.mt-32{ margin-top:32px; }
.two-col{ display:grid; grid-template-columns:.95fr 1.05fr; gap:64px; align-items:start; }
h2{ font-size:32px; color:var(--paper); }
.lede{ color:var(--muted); font-size:16px; max-width:60ch; }
.lede.centered{ margin-left:auto; margin-right:auto; }

/* ---- clipped-corner dossier panels (signature shape) ---- */
.cards-grid{ display:grid; gap:22px; margin-top:20px; }
.cards-grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.cards-grid.cols-3{ grid-template-columns:repeat(3,1fr); }
.cards-grid.cols-4{ grid-template-columns:repeat(4,1fr); }

.dossier-card{
  position:relative; background:var(--ink-2); border:1px solid var(--line); padding:26px 24px;
  clip-path:var(--clip);
  transition:border-color .2s ease, transform .2s ease;
}
.dossier-card::after{ content:""; position:absolute; top:0; right:0; width:18px; height:18px; background:var(--ink); clip-path:polygon(100% 0, 0 0, 100% 100%); }
.dossier-card:hover{ border-color:var(--cyan); transform:translateY(-3px); }
.dossier-tag{ font-family:var(--f-mono); font-size:10px; letter-spacing:.1em; text-transform:uppercase; color:var(--amber); margin-bottom:12px; display:block; }
.dossier-card h3{ font-size:18px; color:var(--paper); margin-bottom:8px; }
.dossier-card p{ font-size:14.5px; margin-bottom:0; }
.card-icon{ width:38px; height:38px; display:flex; align-items:center; justify-content:center; border:1px solid var(--line); margin-bottom:16px; }
.card-icon svg{ width:19px; height:19px; }

/* ---- process rail (three-step sequence) ---- */
.rail{ position:relative; margin-top:48px; }
.rail-list{ display:grid; grid-template-columns:repeat(3,1fr); gap:32px; }
.rail-item{ position:relative; }
.rail-num{ font-family:var(--f-mono); font-size:12px; color:var(--ink); background:var(--cyan); width:38px; height:38px; display:flex; align-items:center; justify-content:center; border-radius:50%; margin-bottom:18px; font-weight:600; }
.rail-item h3{ font-size:17px; color:var(--paper); margin-bottom:8px; }
.rail-item p{ font-size:14.5px; }

/* ---- notice / warning boxes ---- */
.notice, .warning-box{ border:1px solid var(--line); border-left:3px solid var(--cyan); background:var(--ink-2); padding:16px 20px; font-size:14px; }
.notice p, .warning-box p{ margin:0; color:var(--muted); }
.notice strong, .warning-box strong{ color:var(--paper); }
.warning-box{ border-left-color:var(--red); }
.warning-box strong{ color:var(--red); }

/* ---- topic cards ---- */
.topic-card{ background:var(--ink-2); border:1px solid var(--line); border-top:3px solid var(--cyan); padding:26px 24px; clip-path:var(--clip); transition:transform .2s ease, border-color .2s ease; }
.topic-card.amber{ border-top-color:var(--amber); }
.topic-card.red{ border-top-color:var(--red); }
.topic-card:hover{ transform:translateY(-3px); }
.topic-card h3{ font-size:17px; color:var(--paper); }
.topic-card p{ font-size:14.5px; }
.topic-card a{ font-family:var(--f-mono); font-size:11.5px; letter-spacing:.04em; text-transform:uppercase; color:var(--cyan); display:inline-block; margin-top:6px; }
.topic-card a:hover{ color:var(--amber); }

/* ---- loan-type tabs / panels ---- */
.loan-tabs{ display:flex; gap:8px; margin-top:36px; border-bottom:1px solid var(--line-soft); flex-wrap:wrap; }
.loan-tab{ background:none; border:none; color:var(--muted); font-family:var(--f-mono); font-size:12.5px; letter-spacing:.05em; text-transform:uppercase; padding:14px 20px; cursor:pointer; position:relative; top:1px; }
.loan-tab.is-active{ color:var(--paper); border-bottom:2px solid var(--amber); }
.loan-tab:hover{ color:var(--paper); }
.loan-panel{ display:none; padding-top:44px; }
.loan-panel.is-active{ display:block; }
.loan-detail-grid{ display:grid; grid-template-columns:1.2fr .8fr; gap:56px; align-items:start; }
.loan-bullets{ display:flex; flex-direction:column; gap:10px; margin-top:20px; }
.loan-bullet{ display:flex; gap:10px; font-size:14.5px; color:var(--paper); align-items:flex-start; }
.loan-bullet::before{ content:"›"; color:var(--cyan); font-family:var(--f-mono); font-weight:700; flex:none; }

.stat-card{ background:var(--ink-2); border:1px solid var(--line); padding:24px; clip-path:var(--clip); }
.stat-card h4{ font-family:var(--f-mono); font-size:11.5px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted-2); margin-bottom:16px; }
.stat-row{ display:flex; justify-content:space-between; padding:9px 0; border-bottom:1px solid var(--line-soft); font-size:13.5px; }
.stat-row:last-of-type{ border-bottom:none; }
.sr-label{ color:var(--muted); }
.sr-val{ color:var(--paper); font-family:var(--f-mono); font-weight:500; }
.risk-meter{ margin-top:18px; }
.risk-meter-label{ font-family:var(--f-mono); font-size:10.5px; text-transform:uppercase; letter-spacing:.06em; color:var(--muted-2); margin-bottom:8px; }
.risk-track{ height:6px; background:var(--ink); border:1px solid var(--line); }
.risk-fill{ height:100%; background:var(--red); width:88%; }
.risk-fill.mid{ background:var(--amber); width:60%; }
.risk-fill.low{ background:var(--cyan); width:24%; }

/* ---- accordion (FAQ) ---- */
.accordion{ border-top:1px solid var(--line-soft); }
.acc-item{ border-bottom:1px solid var(--line-soft); }
.acc-trigger{ width:100%; display:flex; align-items:center; justify-content:space-between; gap:20px; background:none; border:none; color:var(--paper); text-align:left; cursor:pointer; padding:22px 4px; font-family:var(--f-display); font-size:17px; font-weight:600; }
.acc-trigger .plus{ font-family:var(--f-mono); color:var(--cyan); font-size:20px; flex:none; transition:transform .2s ease; }
.acc-item.is-open .acc-trigger .plus{ transform:rotate(45deg); }
.acc-panel{ max-height:0; overflow:hidden; transition:max-height .25s ease; }
.acc-panel-inner{ padding:0 4px 22px; }
.acc-panel-inner p{ font-size:14.5px; }

/* ---- steps / checklist ---- */
.check-list{ display:flex; flex-direction:column; gap:14px; margin-top:8px; }
.check-item{ display:flex; gap:14px; align-items:flex-start; background:var(--ink-2); border:1px solid var(--line); padding:16px 18px; }
.check-mark{ width:20px; height:20px; border:1px solid var(--cyan); color:var(--cyan); flex:none; display:flex; align-items:center; justify-content:center; font-family:var(--f-mono); font-size:11px; margin-top:2px; }
.check-item h4{ font-size:15px; color:var(--paper); margin:0 0 4px; font-family:var(--f-body); font-weight:600; }
.check-item p{ font-size:14px; margin:0; }

/* ---- resource list ---- */
.resource-list{ display:flex; flex-direction:column; gap:1px; margin-top:24px; background:var(--line-soft); border:1px solid var(--line-soft); }
.resource-row{ display:grid; grid-template-columns:1fr auto; gap:20px; align-items:center; background:var(--ink-2); padding:18px 22px; transition:background .15s ease; }
.resource-row:hover{ background:var(--ink-3); }
.resource-row h4{ font-size:15.5px; color:var(--paper); margin:0 0 4px; font-family:var(--f-body); font-weight:600; }
.resource-row p{ font-size:13.5px; margin:0; }
.resource-tag{ font-family:var(--f-mono); font-size:10.5px; letter-spacing:.06em; text-transform:uppercase; color:var(--cyan); border:1px solid var(--cyan-dim); padding:5px 10px; white-space:nowrap; }

/* ---- CTA band ---- */
.cta-band{ background:var(--ink-3); border-top:1px solid var(--line-soft); border-bottom:1px solid var(--line-soft); padding:64px 0; position:relative; overflow:hidden; }
.cta-band::before{ content:""; position:absolute; inset:0; background:radial-gradient(500px 220px at 90% 30%, rgba(255,177,48,.08), transparent 65%); pointer-events:none; }
.cta-inner{ position:relative; display:flex; align-items:center; justify-content:space-between; gap:32px; flex-wrap:wrap; }
.cta-inner h2{ font-size:28px; margin-bottom:8px; }
.cta-inner p{ margin:0; max-width:46ch; }
.cta-actions{ display:flex; gap:14px; flex-wrap:wrap; }

/* ---------------------------------------------------------------------- */
/* forms (contact page)                                                    */
/* ---------------------------------------------------------------------- */
.form-panel{ background:var(--ink-2); border:1px solid var(--line); padding:32px; clip-path:var(--clip); }
.side-panel{ background:var(--ink-2); border:1px solid var(--line); padding:28px; clip-path:var(--clip); position:relative; }
.side-panel::before{ content:""; position:absolute; top:0; left:0; right:0; height:2px; background:linear-gradient(90deg, var(--cyan), var(--amber)); }
.side-panel h4{ font-family:var(--f-mono); font-size:12px; letter-spacing:.08em; text-transform:uppercase; color:var(--paper); margin-bottom:6px; }
.side-panel .sp-sub{ font-family:var(--f-mono); font-size:10.5px; color:var(--muted-2); margin-bottom:16px; }
.form-row{ margin-bottom:18px; }
.form-row label{ display:block; font-family:var(--f-mono); font-size:11px; letter-spacing:.05em; text-transform:uppercase; color:var(--muted); margin-bottom:7px; }
.form-row input, .form-row select, .form-row textarea{ width:100%; background:var(--ink); border:1px solid var(--line); color:var(--paper); padding:12px 14px; font-family:var(--f-body); font-size:14.5px; border-radius:2px; }
.form-row input:focus, .form-row select:focus, .form-row textarea:focus{ border-color:var(--cyan); outline:none; }
.form-row textarea{ resize:vertical; min-height:120px; }
.form-grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.form-check{ display:flex; align-items:flex-start; gap:10px; font-size:13px; color:var(--muted-2); }
.form-check input{ width:16px; height:16px; margin-top:2px; accent-color:var(--cyan); }

.consent-group{ display:flex; flex-direction:column; gap:18px; padding:20px; border:1px solid var(--line); background:var(--ink); margin-bottom:8px; }
.consent-item{ display:flex; gap:12px; align-items:flex-start; }
.consent-item input[type="checkbox"]{ width:17px; height:17px; margin-top:3px; accent-color:var(--cyan); flex:none; cursor:pointer; }
.consent-label{ display:block; font-family:var(--f-mono); font-size:10.5px; letter-spacing:.08em; text-transform:uppercase; color:var(--cyan); margin-bottom:5px; }
.consent-item p{ font-size:12.5px; color:var(--muted-2); margin:0; line-height:1.65; }
.consent-note{ font-family:var(--f-mono); font-size:10.5px; color:var(--muted-2); margin:10px 0 20px; }
.form-success{ display:none; text-align:center; padding:40px 20px; }
.form-success.is-visible{ display:block; }
.form-success .fs-mark{ width:52px; height:52px; border:1px solid var(--cyan); color:var(--cyan); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 18px; font-size:22px; }

.info-strip{ display:flex; flex-direction:column; gap:20px; }
.info-block{ display:flex; gap:14px; }
.info-block .ib-icon{ width:34px; height:34px; border:1px solid var(--line); display:flex; align-items:center; justify-content:center; flex:none; }
.info-block .ib-icon svg{ width:16px; height:16px; color:var(--cyan); }
.info-block h4{ font-size:14.5px; color:var(--paper); margin:0 0 4px; font-family:var(--f-body); font-weight:600; }
.info-block p{ font-size:13.5px; margin:0; }

/* ---------------------------------------------------------------------- */
/* footer                                                                   */
/* ---------------------------------------------------------------------- */
.site-footer{ background:var(--ink-2); border-top:1px solid var(--line-soft); padding:56px 0 26px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:36px; border-bottom:1px solid var(--line-soft); }
.footer-brand p{ font-size:13.5px; max-width:32ch; }
.footer-col h5{ font-family:var(--f-mono); font-size:11px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted-2); margin:0 0 16px; }
.footer-col ul{ display:flex; flex-direction:column; gap:11px; }
.footer-col a{ font-size:13.5px; color:var(--muted); }
.footer-col a:hover{ color:var(--cyan); }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; padding-top:22px; flex-wrap:wrap; gap:12px; }
.footer-bottom p{ margin:0; font-size:12px; color:var(--muted-2); }
.footer-legal{ display:flex; gap:18px; }
.footer-legal a{ font-size:12px; color:var(--muted-2); }
.footer-legal a:hover{ color:var(--paper); }

/* ---------------------------------------------------------------------- */
/* legal pages                                                              */
/* ---------------------------------------------------------------------- */
.legal-hero{ padding:64px 0 20px; border-bottom:1px solid var(--line-soft); }
.legal-body{ max-width:74ch; padding:56px 0; }
.legal-body h2{ font-size:20px; margin-top:44px; }
.legal-body h2:first-child{ margin-top:0; }
.legal-body p, .legal-body li{ font-size:14.5px; color:var(--muted); }
.legal-body ul{ padding-left:20px; list-style:disc; margin-bottom:1em; }
.legal-updated{ font-family:var(--f-mono); font-size:11.5px; color:var(--muted-2); }

/* ---------------------------------------------------------------------- */
/* reveal-on-scroll                                                         */
/* ---------------------------------------------------------------------- */
.reveal{ opacity:0; transform:translateY(18px); transition:opacity .6s ease, transform .6s ease; }
.reveal.is-in{ opacity:1; transform:translateY(0); }

/* ---------------------------------------------------------------------- */
/* responsive                                                               */
/* ---------------------------------------------------------------------- */
@media (max-width:1080px){
  .footer-grid{ grid-template-columns:1fr 1fr; row-gap:36px; }
  .readout-grid{ grid-template-columns:repeat(2,1fr); row-gap:28px; }
  .readout-item:nth-child(3){ border-left:none; padding-left:0; }
}
@media (max-width:900px){
  .two-col{ grid-template-columns:1fr; gap:40px; }
  .loan-detail-grid{ grid-template-columns:1fr; gap:32px; }
  .cards-grid.cols-3, .cards-grid.cols-4, .cards-grid.cols-2{ grid-template-columns:1fr 1fr; }
  .cta-inner{ flex-direction:column; align-items:flex-start; }
  .hero{ padding-top:88px; }
  .hero-radar{ opacity:.3; width:440px; height:440px; top:-140px; right:-200px; }
}
@media (max-width:640px){
  .container{ padding:0 22px; }
  .hero h1{ font-size:34px; }
  h2{ font-size:26px; }
  .cards-grid.cols-3, .cards-grid.cols-4, .cards-grid.cols-2{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr; }
  .form-grid-2{ grid-template-columns:1fr; }
  .readout-grid{ grid-template-columns:1fr 1fr; }
  .section{ padding:60px 0; }
  .hero{ padding:84px 0 44px; }
}