/* ================================================================
   APM Finance — Design System v3.0
   Bold editorial aesthetic — Bebas Neue headings, large imagery
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Cormorant+Garamond:ital,wght@0,300;0,400;1,300;1,400&family=Jost:wght@300;400;500;600&display=swap');

/* ── Tokens ─────────────────────────────────────────────────────── */
:root {
  --navy:      #0E1A2E;
  --navy-mid:  #1A2B4A;
  --navy-soft: #243659;
  --gold:      #C4A87C;
  --cream:     #F5F2ED;
  --off-white: #FAFAF8;
  --white:     #FFFFFF;
  --text:      #1A1816;
  --text-mid:  #555250;
  --text-light:#9A9895;
  --border:    rgba(26,43,74,0.12);

  --display: 'Bebas Neue', Impact, sans-serif;
  --serif:   'Cormorant Garamond', Georgia, serif;
  --sans:    'Jost', -apple-system, sans-serif;

  --ease:     cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0, 0, 0.2, 1);

  --nav-h:  76px;
  --max:    1280px;
  --gutter: clamp(24px, 6vw, 80px);
  --radius-pill: 60px;
}

/* ── Reset ──────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body { font-family: var(--sans); font-size: 16px; line-height: 1.75; color: var(--text); background: var(--off-white); overflow-x: hidden; }
img { display: block; max-width: 100%; }
a   { color: inherit; text-decoration: none; }

/* ── Container ──────────────────────────────────────────────────── */
.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }

/* ── Display type (Bebas Neue) ──────────────────────────────────── */
h1 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(4.5rem, 13vw, 11rem);
  line-height: 0.9;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

h2 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(2.8rem, 7vw, 6rem);
  line-height: 0.92;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

h3 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(1.8rem, 3.5vw, 3rem);
  line-height: 0.95;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

h4 {
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

/* ── Body type ──────────────────────────────────────────────────── */
p { color: var(--text-mid); line-height: 1.85; }

.eyebrow {
  display: block;
  font-family: var(--sans);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.eyebrow-light { color: rgba(255,255,255,0.45); }

/* ── Buttons ─────────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--sans);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  padding: 17px 38px;
  border-radius: var(--radius-pill);
  cursor: pointer;
  border: none;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s, color 0.25s;
  text-decoration: none;
  white-space: nowrap;
}

.btn:hover { transform: translateY(-2px); }

.btn-white {
  background: var(--white);
  color: var(--navy);
}
.btn-white:hover { background: var(--cream); box-shadow: 0 8px 32px rgba(0,0,0,0.15); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-mid); box-shadow: 0 8px 32px rgba(14,26,46,0.4); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.45);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

/* ── Rule ───────────────────────────────────────────────────────── */
.rule { width: 36px; height: 1px; background: var(--gold); margin: 20px 0; }
.rule.center { margin: 20px auto; }

/* ═══════════════════════════════════════════════════════════════
   NAVIGATION
   ═══════════════════════════════════════════════════════════════ */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--gutter);
  background: rgba(14, 26, 46, 0.0);
  transition: background 0.4s var(--ease), box-shadow 0.4s var(--ease);
}

.site-nav.scrolled {
  background: rgba(14, 26, 46, 0.97);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.06);
}

.nav-logo-img { height: 38px; width: auto; display: block; filter: invert(1); mix-blend-mode: screen; }

.nav-wordmark {
  font-family: var(--display);
  font-size: 1.5rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  line-height: 1;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.72);
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--white); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span { display: block; width: 22px; height: 1.5px; background: var(--white); transition: transform 0.3s var(--ease), opacity 0.3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

.nav-mobile {
  position: fixed;
  inset: var(--nav-h) 0 0 0;
  background: var(--navy);
  z-index: 99;
  display: flex;
  flex-direction: column;
  padding: 48px var(--gutter);
  gap: 0;
  transform: translateX(100%);
  transition: transform 0.4s var(--ease);
}
.nav-mobile.open { transform: translateX(0); }
.nav-mobile a {
  font-family: var(--display);
  font-size: 2.8rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--white);
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color 0.2s;
}
.nav-mobile a:hover { color: var(--gold); }
.nav-mobile a:last-child { border-bottom: none; }
.nav-mobile .btn { margin-top: 32px; width: fit-content; }

/* ═══════════════════════════════════════════════════════════════
   HERO — Full bleed, large imagery
   ═══════════════════════════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: flex-end;
  padding-bottom: 80px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: var(--navy);
}

.hero-pattern {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,18,30,0.55) 0%, transparent 50%);
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 900px;
}

.hero h1 { color: var(--white); margin-bottom: 20px; }

.hero-sub {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.55);
  max-width: 400px;
  margin-bottom: 40px;
  line-height: 1.9;
  font-weight: 300;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Scroll indicator */
.scroll-hint {
  position: absolute;
  bottom: 32px;
  right: var(--gutter);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  opacity: 0.35;
}
.scroll-hint span { font-size: 0.6rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--white); writing-mode: vertical-rl; }
.scroll-hint::after { content: ''; display: block; width: 1px; height: 48px; background: var(--white); }

/* ═══════════════════════════════════════════════════════════════
   INTRO SECTION
   ═══════════════════════════════════════════════════════════════ */
.intro-section {
  background: var(--white);
  padding: 120px 0;
}

.intro-grid {
  display: grid;
  grid-template-columns: 1fr 520px;
  gap: 80px;
  align-items: center;
}

.intro-left {}

.intro-quote {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 2.8vw, 2.4rem);
  font-style: italic;
  font-weight: 300;
  color: var(--navy);
  line-height: 1.4;
  margin-bottom: 36px;
}

.intro-byline {
  display: flex;
  align-items: center;
  gap: 18px;
}

.intro-portrait {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top center;
  flex-shrink: 0;
}

.intro-byline-text {}
.intro-byline-name {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--navy);
  text-transform: uppercase;
}
.intro-byline-role {
  font-size: 0.72rem;
  color: var(--text-light);
  margin-top: 2px;
}

.intro-right {
  position: relative;
  overflow: hidden;
  border-radius: 3px;
}

.intro-image {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  display: block;
  filter: grayscale(8%);
  transition: transform 0.6s var(--ease);
}
.intro-right:hover .intro-image { transform: scale(1.03); }

/* ═══════════════════════════════════════════════════════════════
   SERVICES — Dark navy accordion
   ═══════════════════════════════════════════════════════════════ */
.services-section {
  background: var(--navy);
  padding: 120px 0;
}

.services-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 72px;
  gap: 40px;
}

.services-head h2 { color: var(--white); max-width: 600px; }
.services-head p { font-size: 0.88rem; color: rgba(255,255,255,0.4); max-width: 280px; text-align: right; line-height: 1.9; }

.service-list { border-top: 1px solid rgba(255,255,255,0.1); }
.service-item { border-bottom: 1px solid rgba(255,255,255,0.1); }

.service-trigger {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 28px 0;
  cursor: pointer;
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  gap: 24px;
}

.service-name {
  font-family: var(--display);
  font-size: clamp(1.6rem, 3vw, 2.8rem);
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--white);
  transition: color 0.25s;
}
.service-trigger:hover .service-name { color: var(--gold); }

.service-icon {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: transform 0.4s var(--ease), border-color 0.25s, background 0.25s;
}
.service-item.open .service-icon { transform: rotate(45deg); border-color: var(--gold); background: var(--gold); }

.service-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.55s cubic-bezier(0.4,0,0.2,1), opacity 0.4s;
  opacity: 0;
}
.service-item.open .service-body { max-height: 200px; opacity: 1; }
.service-body-inner { padding: 0 0 32px; max-width: 640px; }
.service-body-inner p { font-size: 0.9rem; color: rgba(255,255,255,0.5); line-height: 1.9; }

/* ═══════════════════════════════════════════════════════════════
   BANNER — Full bleed image + quote
   ═══════════════════════════════════════════════════════════════ */
.banner-section {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.banner-bg {
  position: absolute;
  inset: 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  filter: grayscale(15%);
}

.banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,18,30,0.88) 0%, rgba(10,18,30,0.6) 100%);
}

.banner-content {
  position: relative;
  z-index: 2;
  max-width: 760px;
}

.banner-quote {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 3vw, 2.5rem);
  font-style: italic;
  font-weight: 300;
  color: var(--white);
  line-height: 1.45;
  margin-bottom: 24px;
}

.banner-cite {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
}

/* ═══════════════════════════════════════════════════════════════
   PARTNERSHIP
   ═══════════════════════════════════════════════════════════════ */
.partnership-section {
  background: var(--cream);
  padding: 120px 0;
}

.partnership-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.partnership-img {
  position: relative;
  overflow: hidden;
  border-radius: 3px;
}
.partnership-img img {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  filter: grayscale(10%);
  transition: transform 0.6s var(--ease);
}
.partnership-img:hover img { transform: scale(1.03); }

.partnership-text h2 { color: var(--navy); margin-bottom: 24px; }
.partnership-text p { font-size: 0.9rem; margin-bottom: 20px; line-height: 1.9; }

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--navy);
  border-bottom: 1px solid var(--navy);
  padding-bottom: 2px;
  transition: color 0.2s, border-color 0.2s;
  margin-top: 8px;
}
.text-link:hover { color: var(--gold); border-color: var(--gold); }

/* ═══════════════════════════════════════════════════════════════
   CTA SECTION
   ═══════════════════════════════════════════════════════════════ */
.cta-section {
  background: var(--navy);
  padding: 140px 0;
  text-align: center;
}

.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section h2 span { color: var(--gold); }

.cta-sub {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.38);
  margin-bottom: 44px;
  max-width: 340px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.85;
}

.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ═══════════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════════ */
.site-footer {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 72px 0 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-brand {
  font-family: var(--display);
  font-size: 2.2rem;
  letter-spacing: 0.06em;
  color: var(--white);
  margin-bottom: 4px;
}

.footer-brand-sub {
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.footer-tagline {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.85;
  margin-bottom: 24px;
}

.footer-contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 10px;
  transition: color 0.2s;
}
.footer-contact a:hover { color: var(--gold); }

.footer-col h5 {
  font-size: 0.58rem;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.28);
  margin-bottom: 20px;
}

.footer-col a {
  display: block;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 12px;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 28px;
}

.footer-disclaimer {
  font-size: 0.68rem;
  line-height: 1.9;
  color: rgba(255,255,255,0.18);
  margin-bottom: 20px;
  max-width: 880px;
}

.footer-legal {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-copyright { font-size: 0.68rem; color: rgba(255,255,255,0.22); }

.footer-legal-links { display: flex; gap: 24px; }
.footer-legal-links a { font-size: 0.65rem; color: rgba(255,255,255,0.28); transition: color 0.2s; }
.footer-legal-links a:hover { color: rgba(255,255,255,0.6); }

/* ═══════════════════════════════════════════════════════════════
   ABOUT PAGE
   ═══════════════════════════════════════════════════════════════ */
.page-hero {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: flex-end;
  padding-bottom: 80px;
  background: var(--navy);
  overflow: hidden;
}

.page-hero-eyebrow { color: var(--gold); margin-bottom: 12px; }
.page-hero h1 { color: var(--white); font-size: clamp(4rem, 10vw, 8rem); }
.page-hero p { color: rgba(255,255,255,0.45); font-size: 0.9rem; max-width: 440px; margin-top: 16px; }

/* About bio grid */
.about-grid {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 80px;
  align-items: start;
  padding: 100px 0;
}

.about-photo {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top center;
  border-radius: 3px;
  filter: grayscale(10%);
}

.about-text h2 { color: var(--navy); margin-bottom: 20px; }
.about-text p { margin-bottom: 18px; font-size: 0.92rem; }

.about-creds { margin-top: 32px; display: flex; flex-direction: column; gap: 12px; }
.about-cred {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.82rem;
  color: var(--text-mid);
  line-height: 1.7;
}
.about-cred::before {
  content: '';
  display: block;
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
  margin-top: 8px;
}

/* FAQ */
.faq-list { border-top: 1px solid rgba(26,43,74,0.12); }
.faq-item { border-bottom: 1px solid rgba(26,43,74,0.12); }

.faq-trigger {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  cursor: pointer;
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  gap: 24px;
}

.faq-question-text {
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.5;
}

.faq-icon {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  border: 1.5px solid rgba(26,43,74,0.18);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  transition: transform 0.35s var(--ease), border-color 0.25s, background 0.25s, color 0.25s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); border-color: var(--gold); background: var(--gold); color: var(--white); }

.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.5s cubic-bezier(0.4,0,0.2,1), opacity 0.4s; opacity: 0; }
.faq-item.open .faq-answer { max-height: 400px; opacity: 1; }
.faq-answer-inner { padding: 0 0 28px; max-width: 640px; }
.faq-answer-inner p { font-size: 0.9rem; color: var(--text-mid); line-height: 1.9; }

/* ═══════════════════════════════════════════════════════════════
   PARTNER PAGE
   ═══════════════════════════════════════════════════════════════ */
.partner-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--gutter);
  background: rgba(14,26,46,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  z-index: 100;
}

.partner-hero {
  min-height: 100vh;
  background: var(--navy);
  display: flex;
  align-items: flex-end;
  padding: var(--nav-h) 0 80px;
  position: relative;
  overflow: hidden;
}

.partner-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 80% 40%, rgba(196,168,124,0.07) 0%, transparent 70%),
    radial-gradient(ellipse 50% 70% at 10% 80%, rgba(14,26,46,0.6) 0%, transparent 60%);
}

.partner-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(196,168,124,0.3);
  padding: 8px 20px;
  border-radius: var(--radius-pill);
  margin-bottom: 32px;
}

.partner-expect-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.partner-expect-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  padding: 36px 28px;
  border-radius: 3px;
  transition: background 0.25s;
}
.partner-expect-card:hover { background: rgba(255,255,255,0.07); }

.partner-expect-card h4 {
  color: var(--white);
  font-size: 0.82rem;
  margin: 16px 0 10px;
  text-transform: none;
  letter-spacing: 0.02em;
}

.partner-expect-card p { font-size: 0.82rem; color: rgba(255,255,255,0.4); line-height: 1.8; }

.partner-expect-icon {
  width: 40px;
  height: 40px;
  border: 1px solid rgba(196,168,124,0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}

/* ═══════════════════════════════════════════════════════════════
   THANK-YOU PAGE
   ═══════════════════════════════════════════════════════════════ */
.thankyou-page {
  min-height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: center;
  padding: 80px 0;
  background: var(--off-white);
}

.thankyou-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin: 0 auto 28px;
}

/* ═══════════════════════════════════════════════════════════════
   SCROLL ANIMATIONS
   ═══════════════════════════════════════════════════════════════ */
.fade-up   { opacity: 0; transform: translateY(40px); transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out); }
.fade-in   { opacity: 0; transition: opacity 0.8s var(--ease-out); }
.slide-left  { opacity: 0; transform: translateX(-40px); transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out); }
.slide-right { opacity: 0; transform: translateX(40px);  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out); }

.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.35s; }
.delay-4 { transition-delay: 0.5s; }

.visible { opacity: 1 !important; transform: none !important; }

/* ═══════════════════════════════════════════════════════════════
   MARQUEE STRIP
   ═══════════════════════════════════════════════════════════════ */
.marquee-section {
  background: var(--navy);
  padding: 20px 0;
  overflow: hidden;
  border-top: 1px solid rgba(255,255,255,0.08);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.marquee-wrapper { overflow: hidden; }

.marquee-track {
  display: flex;
  align-items: center;
  white-space: nowrap;
  animation: marquee-scroll 32s linear infinite;
  width: max-content;
}

.marquee-item {
  display: inline-flex;
  align-items: center;
  font-family: var(--display);
  font-size: clamp(1.3rem, 2.2vw, 2rem);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  padding: 0 8px;
  flex-shrink: 0;
  text-decoration: none;
  transition: color 0.2s;
}

a.marquee-item:hover { color: var(--white); }

.marquee-dot {
  color: var(--gold);
  margin: 0 24px;
  font-size: 0.9em;
}

@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ═══════════════════════════════════════════════════════════════
   PARTNERSHIP FEATURE — Prominent, high on page
   ═══════════════════════════════════════════════════════════════ */
.partnership-feature {
  background: var(--white);
  padding: 120px 0;
}

.partnership-feature-inner {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 80px;
  align-items: center;
}

.partner-logos-row {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.partner-logo-finance {
  width: 180px;
  height: auto;
}

.partner-logo-accounting-img {
  width: 180px;
  height: auto;
}

.partner-logo-sep {
  width: 1px;
  height: 44px;
  background: var(--border);
  flex-shrink: 0;
  align-self: center;
}

.partner-logo-accounting {
  line-height: 1.15;
}

.partner-logo-accounting-name {
  display: block;
  font-family: var(--display);
  font-size: 1.5rem;
  letter-spacing: 0.05em;
  color: #4A6B37;
  text-transform: uppercase;
  line-height: 1;
}

.partner-logo-accounting-sub {
  display: block;
  font-size: 0.55rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: #4A6B37;
  margin-top: 4px;
}

.partnership-feature-text h2 { color: var(--navy); margin-bottom: 20px; }
.partnership-feature-text p  { font-size: 0.92rem; margin-bottom: 16px; line-height: 1.9; }

/* Team photo grid */
.team-photos {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  height: 520px;
}

.team-photo-card {
  position: relative;
  overflow: hidden;
  border-radius: 3px;
}

.team-photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  filter: grayscale(18%);
  transition: transform 0.6s var(--ease);
}

.team-photo-card:hover img { transform: scale(1.03); }

.team-photo-label {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 40px 16px 16px;
  background: linear-gradient(to top, rgba(14,26,46,0.9) 0%, transparent 100%);
}

.team-photo-name {
  display: block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--white);
}

.team-photo-role {
  display: block;
  font-size: 0.62rem;
  color: rgba(255,255,255,0.5);
  margin-top: 3px;
  line-height: 1.4;
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .intro-grid { grid-template-columns: 1fr; gap: 56px; }
  .intro-right { max-width: 480px; }
  .partnership-grid { grid-template-columns: 1fr; gap: 56px; }
  .partnership-img { max-width: 460px; }
  .about-grid { grid-template-columns: 300px 1fr; gap: 56px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .partnership-feature-inner { grid-template-columns: 1fr; gap: 56px; }
  .team-photos { height: 380px; }
}

@media (max-width: 768px) {
  :root { --gutter: 24px; }

  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: flex; }

  .hero { min-height: 92vh; }
  .services-head { flex-direction: column; align-items: flex-start; }
  .services-head p { text-align: left; }

  .partner-expect-grid { grid-template-columns: 1fr; }
  .team-photos { grid-template-columns: 1fr; height: auto; }
  .team-photo-card { height: 300px; }

  .about-grid {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 64px 0;
  }
  .about-photo { max-width: 300px; margin: 0 auto; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-legal { flex-direction: column; align-items: flex-start; }

  .cta-actions { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  h1 { font-size: clamp(3.5rem, 14vw, 5rem); }
  h2 { font-size: clamp(2.4rem, 10vw, 3.5rem); }
}

/* ================================================================
   HOW IT WORKS
   ================================================================ */

.hiw-section {
  background: var(--white);
  padding: 100px 0;
  border-top: 1px solid var(--border);
}

.hiw-head {
  text-align: center;
  margin-bottom: 64px;
}

.hiw-head h2 { color: var(--navy); margin-bottom: 12px; }

.hiw-intro {
  font-size: 0.95rem;
  color: var(--text-mid);
  max-width: 520px;
  margin: 0 auto;
}

.hiw-steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
}

.hiw-step {
  flex: 1;
  padding: 0 32px;
  text-align: center;
}

.hiw-num {
  font-family: var(--display);
  font-size: 4rem;
  letter-spacing: 0.04em;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 16px;
  opacity: 0.7;
}

.hiw-title {
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 12px;
}

.hiw-step p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.85;
}

.hiw-link {
  display: inline-block;
  margin-top: 14px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color 0.2s;
}
.hiw-link:hover { color: var(--gold); }

.hiw-connector {
  width: 1px;
  height: 60px;
  background: var(--border);
  flex-shrink: 0;
  align-self: flex-start;
  margin-top: 28px;
}

@media (max-width: 860px) {
  .hiw-steps {
    flex-direction: column;
    align-items: center;
    gap: 0;
  }
  .hiw-step { padding: 0 0 40px; max-width: 480px; width: 100%; }
  .hiw-connector { width: 40px; height: 1px; margin: 0 0 40px; align-self: center; }
}


/* ================================================================
   CALCULATOR
   ================================================================ */

.calc-section {
  background: var(--navy);
  padding: 100px 0 80px;
}

.calc-head {
  text-align: center;
  margin-bottom: 52px;
}

.calc-head h2 {
  color: var(--white);
  margin-bottom: 12px;
}

.calc-head p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.55);
}

.calc-card {
  background: var(--navy-mid);
  border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.08);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}

/* Tabs */
.calc-tabs {
  display: flex;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.calc-tab {
  flex: 1;
  background: transparent;
  border: none;
  padding: 18px 24px;
  font-family: var(--sans);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  cursor: pointer;
  transition: color 0.2s, background 0.2s;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
}

.calc-tab.active,
.calc-tab:hover {
  color: var(--white);
}

.calc-tab.active {
  border-bottom-color: var(--gold);
  background: rgba(255,255,255,0.03);
}

/* Panel */
.calc-panel {
  padding: 40px;
}

.calc-panel.hidden { display: none; }

.calc-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px 32px;
  margin-bottom: 36px;
}

.calc-field-wide { grid-column: 1 / -1; }

.calc-field label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 8px;
}

.calc-input-wrap {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 4px;
  overflow: hidden;
  transition: border-color 0.2s;
}

.calc-input-wrap:focus-within {
  border-color: var(--gold);
}

.calc-prefix,
.calc-suffix {
  padding: 0 12px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.4);
  flex-shrink: 0;
  user-select: none;
}

.calc-input-wrap input[type="number"] {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  padding: 13px 12px;
  font-family: var(--sans);
  font-size: 1rem;
  font-weight: 500;
  color: var(--white);
  min-width: 0;
  -moz-appearance: textfield;
}

.calc-input-wrap input[type="number"]::-webkit-outer-spin-button,
.calc-input-wrap input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }

.calc-select {
  width: 100%;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 4px;
  padding: 13px 14px;
  font-family: var(--sans);
  font-size: 0.9rem;
  color: var(--white);
  outline: none;
  cursor: pointer;
  transition: border-color 0.2s;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(255,255,255,0.4)' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}

.calc-select:focus { border-color: var(--gold); }
.calc-select option { background: var(--navy-mid); color: var(--white); }

/* Slider */
.calc-slider {
  width: 100%;
  margin-top: 12px;
  -webkit-appearance: none;
  appearance: none;
  height: 3px;
  background: rgba(255,255,255,0.15);
  border-radius: 2px;
  outline: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 2px solid var(--navy-mid);
  box-shadow: 0 0 0 1px var(--gold);
}

.calc-slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 2px solid var(--navy-mid);
}

.calc-slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 4px;
  font-size: 0.7rem;
  color: rgba(255,255,255,0.3);
}

.calc-field-hint {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.3);
  margin-top: 6px;
  line-height: 1.5;
}

/* Results */
.calc-results {
  background: rgba(0,0,0,0.2);
  border-radius: 4px;
  padding: 28px 32px;
  border: 1px solid rgba(255,255,255,0.06);
}

.calc-result-primary {
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.calc-result-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 6px;
}

.calc-result-value {
  display: block;
  font-family: var(--display);
  font-size: clamp(2.5rem, 5vw, 4rem);
  letter-spacing: 0.04em;
  color: var(--gold);
  line-height: 1;
}

.calc-result-row {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}

.calc-result-item { flex: 1; min-width: 120px; }

.calc-result-sub-label {
  display: block;
  font-size: 0.68rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 4px;
}

.calc-result-sub-value {
  display: block;
  font-family: var(--sans);
  font-size: 1rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
}

/* Calc CTA */
.calc-cta {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 32px 40px;
}

.calc-cta-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.calc-cta-title {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--white);
  margin-bottom: 6px;
}

.calc-cta-text {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
}

.calc-disclaimer {
  text-align: center;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.25);
  margin-top: 28px;
  line-height: 1.7;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.calc-disclaimer a { color: rgba(255,255,255,0.4); text-decoration: underline; }

@media (max-width: 640px) {
  .calc-fields { grid-template-columns: 1fr; }
  .calc-field-wide { grid-column: 1; }
  .calc-panel { padding: 28px 20px; }
  .calc-cta { padding: 24px 20px; }
  .calc-cta-inner { flex-direction: column; align-items: flex-start; }
  .calc-result-row { gap: 20px; }
}


/* ================================================================
   LENDER LOGOS STRIP
   ================================================================ */

.lenders-section {
  background: var(--cream);
  padding: 72px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
}

.lenders-marquee-wrap {
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent 0%, black 10%, black 90%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 10%, black 90%, transparent 100%);
}

.lenders-track {
  display: flex;
  align-items: center;
  gap: 12px;
  white-space: nowrap;
  width: max-content;
  animation: marquee-scroll 40s linear infinite;
}

.lender-badge {
  display: inline-block;
  padding: 8px 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-pill);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--navy);
  flex-shrink: 0;
  box-shadow: 0 1px 3px rgba(14,26,46,0.06);
}


/* ================================================================
   WHATSAPP FLOATING BUTTON
   ================================================================ */

.whatsapp-btn {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 900;
  display: flex;
  align-items: center;
  gap: 10px;
  background: #25D366;
  color: white;
  padding: 14px 20px 14px 16px;
  border-radius: var(--radius-pill);
  box-shadow: 0 4px 20px rgba(37,211,102,0.35), 0 2px 8px rgba(0,0,0,0.15);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
  max-width: calc(100vw - 56px);
}

.whatsapp-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(37,211,102,0.45), 0 4px 12px rgba(0,0,0,0.15);
}

.whatsapp-label {
  white-space: nowrap;
}

@media (max-width: 480px) {
  .whatsapp-btn {
    padding: 14px 16px;
    bottom: 20px;
    right: 20px;
  }
  .whatsapp-label { display: none; }
}