:root {
  --bg: #0B1628;
  --bg-alt: #0F2040;
  --fg: #F0EFE9;
  --fg-muted: #8A95A3;
  --accent: #EAB308;
  --accent-dim: rgba(234, 179, 8, 0.12);
  --border: rgba(240, 239, 233, 0.08);
  --card-bg: #0F2040;
  --font-display: 'Syne', sans-serif;
  --font-body: 'DM Sans', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* NAV */
.nav {
  padding: 20px 48px;
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
}
.nav-left { display: flex; align-items: center; gap: 12px; }
.nav-right { display: flex; align-items: center; gap: 20px; }
.nav-logo {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.5px;
  color: var(--fg);
}
.nav-tag {
  font-size: 13px;
  color: var(--fg-muted);
  font-weight: 400;
}
.nav-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--fg-muted);
  text-decoration: none;
  transition: color 0.15s ease;
}
.nav-link:hover { color: var(--fg); }

/* HERO */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding: 96px 48px 80px;
  max-width: 1200px;
  margin: 0 auto;
}
.hero-eyebrow { margin-bottom: 24px; }
.eyebrow-badge {
  display: inline-block;
  background: var(--accent-dim);
  color: var(--accent);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 12px;
  border-radius: 4px;
  border: 1px solid rgba(234, 179, 8, 0.25);
}
.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 58px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -1.5px;
  color: var(--fg);
  margin-bottom: 24px;
}
.hero-sub {
  font-size: 18px;
  color: var(--fg-muted);
  max-width: 460px;
  line-height: 1.65;
  margin-bottom: 48px;
}
.hero-stats {
  display: flex;
  align-items: center;
  gap: 32px;
}
.stat { display: flex; flex-direction: column; }
.stat-num {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
}
.stat-label {
  font-size: 12px;
  color: var(--fg-muted);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.stat-divider {
  width: 1px;
  height: 40px;
  background: var(--border);
}

/* Pipeline Widget */
.pipeline-widget {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.pipe-stage {
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.pipe-stage:last-child { border-bottom: none; }
.pipe-label {
  display: block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  margin-bottom: 2px;
}
.pipe-sub {
  display: block;
  font-size: 12px;
  color: var(--fg-muted);
  margin-bottom: 10px;
}
.pipe-bar {
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  overflow: hidden;
}
.pipe-fill {
  height: 100%;
  border-radius: 2px;
  background: var(--accent);
  transition: width 0.3s ease;
}
.pipe-fill.mid { width: 60%; }
.pipe-fill.empty { width: 0%; }
.done .pipe-label { color: var(--accent); }

/* FLOW */
.flow {
  padding: 96px 48px;
  max-width: 1200px;
  margin: 0 auto;
}
.flow-header { margin-bottom: 64px; max-width: 600px; }
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 700;
  letter-spacing: -0.8px;
  color: var(--fg);
  margin-bottom: 16px;
}
.section-sub {
  font-size: 17px;
  color: var(--fg-muted);
  line-height: 1.65;
}
.flow-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.flow-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  padding: 40px 0;
  border-bottom: 1px solid var(--border);
}
.flow-step:last-child { border-bottom: none; }
.step-num {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 800;
  color: var(--accent);
  opacity: 0.4;
  line-height: 1;
  padding-top: 4px;
}
.step-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--fg);
  margin-bottom: 10px;
}
.step-desc {
  font-size: 15px;
  color: var(--fg-muted);
  line-height: 1.65;
  max-width: 540px;
}

/* FEATURES */
.features {
  background: var(--bg-alt);
  padding: 96px 48px;
}
.features .section-title,
.features .section-sub { max-width: 1200px; margin-left: auto; margin-right: auto; }
.features .section-sub { margin-bottom: 64px; }
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  max-width: 1200px;
  margin: 0 auto;
}
.feature-card {
  background: var(--card-bg);
  padding: 36px 32px;
  border: 1px solid var(--border);
}
.feature-icon {
  color: var(--accent);
  margin-bottom: 20px;
}
.feature-title {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 700;
  color: var(--fg);
  margin-bottom: 10px;
}
.feature-desc {
  font-size: 14px;
  color: var(--fg-muted);
  line-height: 1.65;
}

/* OUTCOMES */
.outcomes {
  padding: 96px 48px;
  max-width: 1200px;
  margin: 0 auto;
}
.outcomes-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.outcomes-left .section-title { font-size: clamp(28px, 3vw, 42px); }
.outcomes-right {
  display: flex;
  flex-direction: column;
  gap: 40px;
}
.outcome { display: flex; align-items: flex-start; gap: 24px; }
.outcome-metric {
  font-family: var(--font-display);
  font-size: 52px;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  min-width: 80px;
}
.outcome-desc {
  font-size: 16px;
  color: var(--fg-muted);
  line-height: 1.65;
  padding-top: 8px;
}

/* CLOSING */
.closing {
  background: var(--bg-alt);
  padding: 120px 48px;
  text-align: center;
}
.closing-inner { max-width: 700px; margin: 0 auto; }
.closing-headline {
  font-family: var(--font-display);
  font-size: clamp(36px, 5vw, 64px);
  font-weight: 800;
  letter-spacing: -1.5px;
  line-height: 1.1;
  color: var(--fg);
  margin-bottom: 28px;
}
.closing-sub {
  font-size: 18px;
  color: var(--fg-muted);
  line-height: 1.7;
}

/* FOOTER */
.footer {
  padding: 32px 48px;
  border-top: 1px solid var(--border);
}
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
}
.footer-brand {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 16px;
  color: var(--fg);
}
.footer-tag {
  font-size: 13px;
  color: var(--fg-muted);
}

/* NAV — SB landing */
.nav { padding: 16px 48px; border-bottom: 1px solid var(--border); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; max-width: 1200px; margin: 0 auto; }
.nav-left { display: flex; align-items: center; gap: 12px; }
.nav-logo { font-family: var(--font-display); font-weight: 800; font-size: 20px; letter-spacing: -0.5px; color: var(--fg); }
.nav-tag { font-size: 13px; color: var(--fg-muted); }
.btn-nav-cta { font-size: 13px; font-weight: 600; color: #0B1628; background: var(--accent); padding: 8px 18px; border-radius: 6px; text-decoration: none; transition: opacity 0.2s; }
.btn-nav-cta:hover { opacity: 0.85; }

/* HERO — SB */
.hero-sb { padding: 64px 48px 80px; background: var(--bg); }
.hero-sb-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; max-width: 1200px; margin: 0 auto; }
.hero-sb-headline { font-family: var(--font-display); font-size: clamp(32px, 4vw, 52px); font-weight: 800; letter-spacing: -1.2px; line-height: 1.1; color: var(--fg); margin: 20px 0 16px; }
.hero-sb-sub { font-size: 17px; color: var(--fg-muted); line-height: 1.7; max-width: 420px; }
.hero-sb-trust { display: flex; align-items: center; gap: 24px; margin: 32px 0 28px; }
.trust-stat { display: flex; flex-direction: column; }
.trust-num { font-family: var(--font-display); font-size: 26px; font-weight: 700; color: var(--accent); line-height: 1; }
.trust-label { font-size: 11px; color: var(--fg-muted); text-transform: uppercase; letter-spacing: 0.05em; margin-top: 4px; }
.trust-divider { width: 1px; height: 36px; background: var(--border); }
.lender-logos { display: flex; flex-wrap: wrap; gap: 10px; }
.logo-pill { background: var(--bg-alt); border: 1px solid var(--border); color: var(--fg-muted); font-size: 12px; font-weight: 600; padding: 6px 12px; border-radius: 4px; }

/* LEAD FORM CARD */
.hero-sb-form-wrap { position: sticky; top: 24px; }
.lead-form-card { background: var(--card-bg); border: 1px solid var(--border); border-radius: 16px; padding: 36px; }
.lead-form-header { margin-bottom: 28px; }
.lead-form-header h2 { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: var(--fg); margin-bottom: 6px; }
.lead-form-header p { font-size: 13px; color: var(--fg-muted); }
.lead-form { display: flex; flex-direction: column; gap: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field-group { display: flex; flex-direction: column; gap: 6px; }
.field-group label { font-size: 12px; font-weight: 600; color: var(--fg); letter-spacing: 0.03em; text-transform: uppercase; }
.field-group input { background: var(--bg); border: 1px solid var(--border); border-radius: 8px; padding: 12px 14px; color: var(--fg); font-size: 15px; font-family: var(--font-body); width: 100%; outline: none; transition: border-color 0.2s; }
.field-group input:focus { border-color: var(--accent); }
.field-group input::placeholder { color: var(--fg-muted); opacity: 0.6; }
.input-prefix-wrap { position: relative; }
.input-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--fg-muted); font-size: 15px; pointer-events: none; }
.input-prefix-wrap input { padding-left: 28px; }
.btn-submit-lead { background: var(--accent); color: #0B1628; font-family: var(--font-display); font-weight: 700; font-size: 16px; padding: 16px; border-radius: 8px; border: none; cursor: pointer; width: 100%; transition: opacity 0.2s; margin-top: 4px; }
.btn-submit-lead:hover { opacity: 0.88; }
.btn-submit-lead:disabled { opacity: 0.5; cursor: not-allowed; }
.form-footnote { font-size: 11px; color: var(--fg-muted); text-align: center; margin-top: 4px; }
.form-success { text-align: center; padding: 20px 0; }
.success-icon { font-size: 40px; color: #22c55e; margin-bottom: 12px; }
.form-success h3 { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--fg); margin-bottom: 8px; }
.form-success p { font-size: 14px; color: var(--fg-muted); line-height: 1.6; }
.form-error { background: rgba(239, 68, 68, 0.12); border: 1px solid rgba(239, 68, 68, 0.3); border-radius: 8px; padding: 12px 16px; color: #f87171; font-size: 13px; margin-top: 8px; }

/* FEATURES — SB */
.features-sb { background: var(--bg-alt); padding: 96px 48px; }
.features-sb-inner { max-width: 1200px; margin: 0 auto; }
.features-sb-header { margin-bottom: 56px; max-width: 600px; }
.features-sb-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.feature-sb-card { background: var(--card-bg); padding: 32px 28px; border: 1px solid var(--border); }
.feature-sb-icon { font-size: 28px; margin-bottom: 16px; }
.feature-sb-card h3 { font-family: var(--font-display); font-size: 16px; font-weight: 700; color: var(--fg); margin-bottom: 10px; }
.feature-sb-card p { font-size: 14px; color: var(--fg-muted); line-height: 1.65; }

/* FLOW — SB */
.flow-sb { padding: 96px 48px; max-width: 1200px; margin: 0 auto; }
.flow-sb-header { margin-bottom: 56px; }
.flow-sb-steps { display: flex; flex-direction: column; gap: 0; }
.flow-sb-step { display: grid; grid-template-columns: 72px 1fr; gap: 32px; padding: 40px 0; border-bottom: 1px solid var(--border); align-items: start; }
.flow-sb-step:last-child { border-bottom: none; }
.step-num-sb { font-family: var(--font-display); font-size: 44px; font-weight: 800; color: var(--accent); opacity: 0.5; line-height: 1; padding-top: 4px; }
.step-sb-content h3 { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--fg); margin-bottom: 10px; }
.step-sb-content p { font-size: 15px; color: var(--fg-muted); line-height: 1.65; max-width: 500px; }

/* CLOSING — SB CTA */
.btn-cta-hero { display: inline-block; background: var(--accent); color: #0B1628; font-family: var(--font-display); font-weight: 700; font-size: 18px; padding: 18px 40px; border-radius: 8px; text-decoration: none; transition: opacity 0.2s; }

/* TRUST SIGNALS — HERO */
.trust-row { display: flex; align-items: center; gap: 20px; margin-top: 28px; flex-wrap: wrap; }
.trust-ssl { display: flex; align-items: center; gap: 6px; }
.ssl-icon { font-size: 14px; }
.ssl-text { font-size: 12px; font-weight: 600; color: var(--fg-muted); letter-spacing: 0.03em; }
.trust-divider-v { width: 1px; height: 28px; background: var(--border); }
.trust-deals, .trust-funded { display: flex; flex-direction: column; }
.deals-num, .funded-num { font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--fg); line-height: 1; }
.deals-label, .funded-label { font-size: 11px; color: var(--fg-muted); text-transform: uppercase; letter-spacing: 0.05em; margin-top: 3px; }

/* FAQ */
.faq-section { padding: 96px 48px; background: var(--bg-alt); }
.faq-inner { max-width: 1200px; margin: 0 auto; }
.faq-header { margin-bottom: 56px; max-width: 580px; }
.faq-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:nth-child(odd) { border-right: 1px solid var(--border); padding-right: 48px; }
.faq-item:nth-child(even) { padding-left: 48px; }
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  padding: 28px 0;
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 600;
  color: var(--fg);
  text-align: left;
  cursor: pointer;
  gap: 16px;
}
.faq-q:hover { color: var(--accent); }
.faq-icon { font-size: 18px; font-weight: 400; color: var(--accent); flex-shrink: 0; transition: transform 0.2s ease; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a { display: none; padding-bottom: 24px; }
.faq-item.open .faq-a { display: block; }
.faq-a p { font-size: 14px; color: var(--fg-muted); line-height: 1.7; }
.faq-footer-cta { margin-top: 48px; display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--fg-muted); }
.faq-chat-link { color: var(--accent); text-decoration: none; font-weight: 600; }
.faq-chat-link:hover { text-decoration: underline; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-sb { grid-template-columns: 1fr; gap: 48px; padding: 64px 24px 48px; }
  .features-sb-grid { grid-template-columns: 1fr 1fr; }
  .flow-sb-step { grid-template-columns: 56px 1fr; gap: 20px; }
  .flow-sb, .features-sb, .closing { padding-left: 24px; padding-right: 24px; }
  .nav { padding-left: 24px; padding-right: 24px; }
  .footer { padding-left: 24px; padding-right: 24px; }
}
@media (max-width: 768px) {
  .hero-sb-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-sb-form-wrap { position: static; }
  .features-sb-grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .hero-sb-trust { flex-wrap: wrap; gap: 20px; }
  .trust-divider { display: none; }
  .flow-sb-step { grid-template-columns: 1fr; gap: 8px; }
  .step-num-sb { font-size: 28px; }
}
  .features-grid { grid-template-columns: 1fr 1fr; }
  .outcomes-inner { grid-template-columns: 1fr; gap: 48px; }
  .flow-step { grid-template-columns: 56px 1fr; gap: 20px; }
  .step-num { font-size: 36px; }
  .flow, .features, .outcomes, .closing { padding-left: 24px; padding-right: 24px; }
  .nav { padding-left: 24px; padding-right: 24px; }
  .footer { padding-left: 24px; padding-right: 24px; }
}
@media (max-width: 600px) {
  .features-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; align-items: flex-start; gap: 20px; }
  .stat-divider { display: none; }
  .flow-step { grid-template-columns: 1fr; gap: 8px; }
  .step-num { font-size: 28px; }
  .faq-section { padding: 64px 24px; }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-item:nth-child(odd) { border-right: none; padding-right: 0; }
  .faq-item:nth-child(even) { padding-left: 0; }
  .trust-row { flex-direction: column; align-items: flex-start; gap: 16px; }
  .trust-divider-v { display: none; }
}