:root {
  --navy: #071521;
  --navy-2: #0c1d2c;
  --ink: #111827;
  --muted: #5e6977;
  --line: #dde3ea;
  --paper: #f6f4ee;
  --white: #ffffff;
  --gold: #b98a45;
  --gold-soft: rgba(185, 138, 69, 0.18);
  --shadow: 0 24px 70px rgba(7, 21, 33, 0.12);
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

body.locked {
  overflow: hidden;
}

img, svg {
  max-width: 100%;
}

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

.container {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(7, 21, 33, 0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.nav-shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--white);
  min-width: 220px;
}

.brand-mark {
  width: 42px;
  height: 42px;
  border: 1px solid rgba(185, 138, 69, 0.65);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: "Libre Baskerville", Georgia, serif;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.06em;
  background: linear-gradient(145deg, rgba(185,138,69,0.18), rgba(255,255,255,0.04));
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}

.brand-name {
  font-weight: 800;
  letter-spacing: -0.03em;
  font-size: 17px;
}

.brand-subtitle {
  margin-top: 5px;
  color: rgba(255,255,255,0.58);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  color: rgba(255,255,255,0.76);
  font-size: 14px;
  font-weight: 600;
}

.nav-links a:hover,
.footer-column a:hover,
.footer-brand a:hover,
.legal-links a:hover {
  color: var(--gold);
}

.portal-button,
.primary-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(185, 138, 69, 0.68);
  background: var(--gold);
  color: var(--navy);
  min-height: 44px;
  padding: 0 22px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}

.portal-button:hover,
.primary-button:hover {
  transform: translateY(-1px);
  background: #c99a53;
}

.section-dark {
  background:
    radial-gradient(circle at 80% 10%, rgba(185,138,69,0.14), transparent 28%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--white);
}

.section-light {
  background: var(--paper);
  color: var(--ink);
  padding: 108px 0;
}

.hero {
  min-height: calc(100vh - 78px);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: 0.18;
  background-image: linear-gradient(rgba(255,255,255,0.08) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.08) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, black, transparent 80%);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.95fr);
  align-items: center;
  gap: 76px;
  position: relative;
  z-index: 1;
  padding: 96px 0 104px;
}

.eyebrow {
  margin: 0 0 18px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.eyebrow.dark {
  color: #8d642d;
}

h1, h2, h3, p {
  margin-top: 0;
}

h1, h2 {
  font-family: "Libre Baskerville", Georgia, serif;
  letter-spacing: -0.055em;
  line-height: 1.04;
}

h1 {
  max-width: 760px;
  font-size: clamp(48px, 6.4vw, 86px);
  margin-bottom: 26px;
}

h2 {
  font-size: clamp(34px, 4vw, 58px);
  margin-bottom: 24px;
}

h3 {
  font-size: 20px;
  letter-spacing: -0.03em;
  line-height: 1.25;
}

.hero-text {
  max-width: 660px;
  color: rgba(255,255,255,0.73);
  font-size: clamp(17px, 1.5vw, 21px);
}

.hero-actions {
  margin-top: 36px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.secondary-link {
  color: rgba(255,255,255,0.76);
  font-weight: 800;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-bottom: 1px solid rgba(185,138,69,0.7);
  padding-bottom: 5px;
}

.hero-panel {
  background: rgba(255,255,255,0.045);
  border: 1px solid rgba(255,255,255,0.13);
  box-shadow: 0 30px 90px rgba(0,0,0,0.22);
  padding: 30px;
  min-height: 520px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.panel-header {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  color: rgba(255,255,255,0.62);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  padding-bottom: 18px;
}

.capital-stack {
  display: grid;
  gap: 18px;
}

.capital-stack div {
  background: rgba(255,255,255,0.055);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 24px;
}

.stack-label {
  color: var(--gold);
  display: block;
  font-size: 12px;
  font-weight: 800;
  margin-bottom: 10px;
}

.capital-stack strong {
  display: block;
  font-size: 22px;
  margin-bottom: 8px;
  letter-spacing: -0.035em;
}

.capital-stack p {
  margin: 0;
  color: rgba(255,255,255,0.64);
  font-size: 14px;
}

.section-intro {
  max-width: 820px;
  margin-bottom: 48px;
}

.section-intro p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
  max-width: 680px;
}

.section-dark .section-intro p:not(.eyebrow),
.dark-section .section-intro p:not(.eyebrow),
.page-hero .section-intro p:not(.eyebrow) {
  color: rgba(255,255,255,0.68);
}

.centered {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.solution-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.solution-card {
  background: var(--white);
  border: 1px solid var(--line);
  min-height: 310px;
  padding: 34px;
  box-shadow: 0 18px 48px rgba(7,21,33,0.055);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.card-line {
  width: 58px;
  height: 2px;
  background: var(--gold);
  margin-bottom: 52px;
}

.solution-card p,
.market-tile p {
  color: var(--muted);
  margin-bottom: 0;
}

.underwriting {
  padding: 110px 0;
}

.split-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 80px;
  align-items: start;
}

.process-list {
  display: grid;
  gap: 0;
  border-top: 1px solid rgba(255,255,255,0.13);
}

.process-list article {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 24px;
  padding: 32px 0;
  border-bottom: 1px solid rgba(255,255,255,0.13);
}

.process-list span {
  color: var(--gold);
  font-weight: 800;
  font-size: 13px;
}

.process-list h3 {
  margin-bottom: 8px;
}

.process-list p {
  margin: 0;
  color: rgba(255,255,255,0.65);
}

.market-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.market-tile {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 34px;
  min-height: 260px;
  box-shadow: 0 18px 48px rgba(7,21,33,0.04);
}

.market-icon {
  width: 52px;
  height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 46px;
  border: 1px solid rgba(185,138,69,0.45);
  background: var(--gold-soft);
  color: #8b6232;
}

.market-icon svg {
  width: 28px;
  height: 28px;
  stroke: currentColor;
}

.relationship {
  padding: 116px 0;
}

.relationship-box {
  max-width: 860px;
  text-align: center;
}

.relationship-box p:not(.eyebrow) {
  color: rgba(255,255,255,0.72);
  max-width: 720px;
  margin: 0 auto 34px;
  font-size: 18px;
}

.site-footer {
  background: #06111c;
  color: rgba(255,255,255,0.75);
  padding: 70px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 260px 180px;
  gap: 70px;
  padding-bottom: 52px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo {
  margin-bottom: 22px;
}

.footer-brand p {
  max-width: 520px;
  margin: 0;
}

.footer-brand a:not(.brand) {
  color: var(--white);
  border-bottom: 1px solid rgba(185,138,69,0.5);
}

.footer-column {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-column h4 {
  color: var(--white);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 0 0 10px;
}

.footer-column a,
.legal-links a {
  color: rgba(255,255,255,0.68);
  font-size: 14px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding-top: 28px;
  font-size: 13px;
}

.legal-links {
  display: flex;
  gap: 22px;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 980px) {
  .nav-links {
    display: none;
  }

  .hero-grid,
  .split-layout,
  .solution-grid,
  .market-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero-grid {
    gap: 42px;
  }

  .hero-panel {
    min-height: auto;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, var(--max));
  }

  .nav-shell {
    min-height: 72px;
  }

  .brand {
    min-width: auto;
  }

  .brand-subtitle {
    display: none;
  }

  .portal-button {
    min-height: 40px;
    padding: 0 14px;
    font-size: 11px;
  }

  .hero {
    min-height: auto;
  }

  .hero-grid {
    padding: 74px 0 82px;
  }

  .section-light,
  .underwriting,
  .relationship {
    padding: 76px 0;
  }

  .solution-card,
  .market-tile,
  .hero-panel {
    padding: 24px;
  }

  .process-list article {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .legal-links {
    flex-wrap: wrap;
  }
}

/* Multi-page additions */
.header-actions { display: flex; align-items: center; gap: 12px; }
.mobile-toggle { display: none; background: transparent; border: 1px solid rgba(255,255,255,.28); color: var(--white); padding: 10px 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.nav-links a.active { color: var(--white); border-bottom: 1px solid rgba(185,138,69,.75); padding-bottom: 4px; }
.page-hero, .dark-section {
  color: var(--white);
  background:
    radial-gradient(circle at 78% 12%, rgba(185,138,69,.16), transparent 29%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
}
.page-hero { padding: 110px 0 86px; }
.page-kicker { display: grid; grid-template-columns: 1fr 360px; gap: 64px; align-items: end; }
.page-hero-text { margin: 26px 0 0; max-width: 690px; color: rgba(255,255,255,.76); font-size: clamp(17px, 1.45vw, 21px); }
.page-stat { border: 1px solid rgba(255,255,255,.14); background: rgba(255,255,255,.045); padding: 24px; }
.page-stat span { display: block; color: #d7b77a; font-size: 12px; font-weight: 850; letter-spacing: .13em; text-transform: uppercase; }
.page-stat p { margin: 12px 0 0; color: rgba(255,255,255,.7); }
.section { padding: 108px 0; }
.section.alt { background: #eeeae1; }
.section-intro.center { margin-left: auto; margin-right: auto; text-align: center; }
.dark-section { padding: 112px 0; }
.dark-section .section-intro p:not(.eyebrow), .dark-section p { color: rgba(255,255,255,.68); }
.feature-row { display: grid; grid-template-columns: .82fr 1.18fr; gap: 70px; align-items: start; }
.framework { display: grid; gap: 14px; }
.framework-item { display: grid; grid-template-columns: 68px 1fr; gap: 22px; padding: 24px 0; border-bottom: 1px solid rgba(7,21,33,.14); }
.dark-section .framework-item { border-bottom-color: rgba(255,255,255,.13); }
.framework-item span { color: var(--gold); font-size: 13px; font-weight: 850; }
.framework-item p { margin: 8px 0 0; color: var(--muted); }
.dark-section .framework-item p { color: rgba(255,255,255,.68); }
.detail-grid { display: grid; grid-template-columns: 280px 1fr; gap: 58px; align-items: start; }
.side-index { position: sticky; top: 100px; display: grid; gap: 10px; }
.side-index a { padding: 13px 14px; border-left: 3px solid var(--line); color: var(--muted); font-weight: 750; background: rgba(255,255,255,.35); }
.side-index a:hover { border-color: var(--gold); color: var(--ink); background: var(--white); }
.detail-stack { display: grid; gap: 28px; }
.detail-block { background: var(--white); border: 1px solid var(--line); padding: 38px; box-shadow: 0 16px 48px rgba(7,21,33,.055); }
.detail-block p { color: var(--muted); }
.two-col { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 22px; margin-top: 24px; }
.info-box { border: 1px solid var(--line); background: #fbfaf6; padding: 24px; }
.info-box strong { display: block; margin-bottom: 10px; }
.info-box ul { margin: 0; padding-left: 18px; color: var(--muted); }
.info-box li { margin: 6px 0; }
.dark-button { min-height: 44px; display: inline-flex; align-items: center; justify-content: center; padding: 0 22px; border: 1px solid var(--navy); background: var(--navy); color: var(--white); font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; transition: transform .2s ease; }
.dark-button:hover { transform: translateY(-1px); }
.timeline { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 0; border: 1px solid rgba(255,255,255,.14); }
.timeline article { padding: 28px; border-right: 1px solid rgba(255,255,255,.12); }
.timeline article:last-child { border-right: 0; }
.timeline span { display: block; color: #d7b77a; font-weight: 850; margin-bottom: 20px; }
.timeline p { margin: 10px 0 0; }
.market-band { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow); }
.market-band a { min-height: 260px; padding: 32px; border-right: 1px solid var(--line); display: flex; flex-direction: column; justify-content: space-between; transition: background .2s ease, transform .2s ease; }
.market-band a:last-child { border-right: 0; }
.market-band a:hover { background: #faf9f5; transform: translateY(-2px); }
.market-band p { color: var(--muted); margin: 14px 0 0; }
.market-tag { color: #8b6232; font-size: 12px; font-weight: 850; letter-spacing: .14em; text-transform: uppercase; }
.cta-panel { background: var(--navy); color: var(--white); padding: 48px; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 30px; box-shadow: var(--shadow); }
.cta-panel p { color: rgba(255,255,255,.7); margin: 14px 0 0; max-width: 700px; }
.contact-card { background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); padding: 38px; }
.contact-layout { display: grid; grid-template-columns: .95fr 1.05fr; gap: 36px; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; }
.form-grid label { display: grid; gap: 8px; color: var(--muted); font-size: 13px; font-weight: 750; }
.form-grid .full { grid-column: 1 / -1; }
input, textarea, select { width: 100%; border: 1px solid var(--line); background: #fbfaf7; padding: 13px 14px; font: inherit; color: var(--ink); }
textarea { min-height: 132px; resize: vertical; }
.platform-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); border: 1px solid rgba(255,255,255,.14); }
.platform-grid article { min-height: 270px; padding: 30px; border-right: 1px solid rgba(255,255,255,.12); background: rgba(255,255,255,.035); }
.platform-grid article:last-child { border-right: 0; }
.platform-grid span { display: block; color: #d7b77a; font-size: 12px; font-weight: 850; letter-spacing: .13em; text-transform: uppercase; margin-bottom: 20px; }
.platform-grid h3 { color: var(--white); }
.platform-grid p { margin: 14px 0 0; }
.capability-strip { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.capability-strip article { padding: 28px; border-right: 1px solid var(--line); }
.capability-strip article:last-child { border-right: 0; }
.capability-strip strong { display: block; color: var(--ink); margin-bottom: 10px; font-size: 18px; letter-spacing: -.03em; }
.capability-strip p { color: var(--muted); margin: 0; font-size: 15px; }
.closing-section { padding: 90px 0; background: var(--paper); }

@media (max-width: 980px) {
  .mobile-toggle { display: block; }
  .nav-links { display: none; position: absolute; left: 0; right: 0; top: 78px; background: var(--navy); padding: 12px 22px 24px; border-bottom: 1px solid rgba(255,255,255,.1); z-index: 99; }
  .nav-links.open { display: grid; }
  .nav-links a { padding: 12px 0; }
  .portal-button { display: none; }
  .hero-grid, .page-kicker, .feature-row, .detail-grid, .contact-layout, .footer-grid { grid-template-columns: 1fr; }
  .platform-grid, .capability-strip, .market-band, .timeline { grid-template-columns: 1fr; }
  .platform-grid article, .capability-strip article, .market-band a, .timeline article { border-right: 0; border-bottom: 1px solid rgba(7,21,33,.12); }
  .platform-grid article, .timeline article { border-bottom-color: rgba(255,255,255,.12); }
  .side-index { position: static; grid-template-columns: repeat(2,minmax(0,1fr)); }
  .cta-panel { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .two-col, .form-grid, .side-index { grid-template-columns: 1fr; }
  .brand-subtitle { display: none; }
}


/* V5 consistency refinements */
/* Keep content flowing left instead of centered presentation blocks. */
.centered,
.section-intro.center {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

.section-intro.center p:not(.eyebrow),
.centered p:not(.eyebrow) {
  margin-left: 0;
  margin-right: 0;
}

/* Homepage alternating section rhythm: dark / light / dark / light / dark footer. */
.markets.section-dark {
  padding: 108px 0;
}

.markets.section-dark .section-intro {
  margin-left: 0;
  margin-right: 0;
  text-align: left;
}

.markets.section-dark .market-tile {
  background: rgba(255,255,255,0.055);
  border-color: rgba(255,255,255,0.13);
  box-shadow: 0 24px 70px rgba(0,0,0,0.18);
}

.markets.section-dark .market-tile h3 {
  color: var(--white);
}

.markets.section-dark .market-tile p {
  color: rgba(255,255,255,0.68);
}

.markets.section-dark .market-icon {
  background: rgba(185,138,69,0.16);
  border-color: rgba(185,138,69,0.55);
  color: #d7b77a;
}

.relationship.section-light {
  color: var(--ink);
  background: var(--paper);
}

.relationship-box {
  max-width: 860px;
  text-align: left;
}

.relationship-box p:not(.eyebrow) {
  color: var(--muted);
  margin-left: 0;
  margin-right: 0;
}

.relationship.section-light .primary-button {
  margin-top: 2px;
}

/* Contact page: keep all light-background text readable. */
.contact-layout .section-intro p:not(.eyebrow),
.contact-layout .info-box,
.contact-card,
.contact-card label,
.contact-card input,
.contact-card select,
.contact-card textarea {
  color: var(--ink);
}

.contact-layout .section-intro > p:not(.eyebrow),
.contact-layout .info-box ul,
.contact-card input::placeholder,
.contact-card textarea::placeholder {
  color: var(--muted);
}

/* Better balance for homepage cards on wide screens. */
#solutions .section-intro,
#markets .section-intro {
  max-width: 760px;
}

#solutions .solution-grid,
#markets .market-grid {
  margin-top: 8px;
}