/* =========================================================
   SHESACCU — design system
   Mirrors the Shesa Connect light theme: Montserrat (thin headings,
   light body), Anton wordmark, Caveat accents, sharp 2px corners.
   Palette: white, red, black.
   ========================================================= */
@import url("assets/fonts.css");

:root{
  --red:#C8102E; --red-2:#E11D3F; --red-deep:#8F0C21; --red-tint:#FCEDEF;
  --black:#0A0A0A; --ink:#111; --white:#fff; --grey:#F4F4F4; --grey-2:#EAEAEA;
  --line:rgba(0,0,0,.1); --line-2:rgba(0,0,0,.06);
  --t2:rgba(0,0,0,.66); --t3:rgba(0,0,0,.5);
  --w2:rgba(255,255,255,.7); --w3:rgba(255,255,255,.5); --wline:rgba(255,255,255,.12);
  --r:2px;
  --sans:"Montserrat",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --display:"Anton","Impact","Arial Narrow Bold",sans-serif;
  --script:"Caveat","Comic Sans MS",cursive;
  --wrap:1400px;
  --shadow:0 18px 40px -12px rgba(200,16,46,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;color-scheme:light only}
body{font-family:var(--sans);font-weight:300;color:var(--black);background:#fff;line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
b,strong{font-weight:600}
::selection{background:var(--red);color:#fff}
:focus-visible{outline:2px solid var(--red);outline-offset:3px}
[id]{scroll-margin-top:96px}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 48px}

/* ---------- type ---------- */
.eyebrow{font-size:.78rem;font-weight:500;letter-spacing:.28em;text-transform:uppercase;color:var(--red);display:inline-block}
h1,h2,h3{font-family:var(--sans);font-weight:100;line-height:1.05;letter-spacing:-.01em;color:inherit}
h1{font-size:clamp(2.6rem,6vw,5.4rem)}
h2{font-size:clamp(2.1rem,4.4vw,3.6rem);margin-top:18px}
h3{font-weight:300;font-size:1.5rem;line-height:1.2}
h1 em,h2 em,h3 em{font-style:italic;color:var(--red)}
.lede{font-size:1.12rem;line-height:1.7;color:var(--t2);max-width:58ch;margin-top:22px}
.script{font-family:var(--script);font-weight:700;color:var(--red);line-height:1}
.dark .lede{color:var(--w2)}
.dark h2 em{color:#fff;text-decoration:underline;text-decoration-color:var(--red);text-decoration-thickness:3px;text-underline-offset:8px}

/* ---------- layout ---------- */
.section{padding:110px 0}
.section.alt{background:var(--grey)}
.dark{background:var(--black);color:#fff}
.head{display:grid;grid-template-columns:7fr 5fr;gap:56px;align-items:end;margin-bottom:64px}
.head .lede{margin-top:0}
.head.single{grid-template-columns:1fr;max-width:820px}
.head.single .lede{margin-top:22px}

/* ---------- buttons ---------- */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:.65em;padding:16px 28px;border-radius:var(--r);font-weight:600;font-size:.92rem;letter-spacing:.01em;transition:background .25s,color .25s,border-color .25s,transform .25s;white-space:nowrap;isolation:isolate;overflow:hidden}
.btn svg{width:16px;height:16px;transition:transform .25s}
.btn:hover svg{transform:translateX(4px)}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--black)}
.btn-black{background:var(--black);color:#fff}
.btn-black:hover{background:var(--red)}
.btn-line{border:1px solid rgba(0,0,0,.2);color:var(--black);background:#fff}
.btn-line:hover{border-color:var(--black)}
.dark .btn-line{background:transparent;color:#fff;border-color:rgba(255,255,255,.3)}
.dark .btn-line:hover{border-color:#fff}
.btn-red::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,transparent,rgba(255,255,255,.25),transparent);transform:translateX(-100%);transition:transform 1s}
.btn-red:hover::after{transform:translateX(100%)}
.link{display:inline-flex;align-items:center;gap:.5em;font-weight:600;font-size:.88rem;color:var(--red)}
.link svg{width:15px;height:15px;transition:transform .25s}
.link:hover svg{transform:translateX(4px)}

/* beam border (from Shesa Connect) */
@property --beam{syntax:'<angle>';initial-value:0deg;inherits:false}
@keyframes beam{to{--beam:360deg}}
.beam{position:relative;display:inline-flex;border-radius:var(--r)}
.beam::before{content:"";position:absolute;inset:-2px;border-radius:inherit;padding:2px;pointer-events:none;
  background:conic-gradient(from var(--beam),transparent 0 110deg,rgba(200,16,46,.7) 135deg,var(--red) 160deg,#fff 180deg,var(--red) 200deg,rgba(200,16,46,.7) 225deg,transparent 250deg 360deg);
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);mask-composite:exclude;animation:beam 2.8s linear infinite;z-index:2}
.beam::after{content:"";position:absolute;inset:-6px;border-radius:inherit;z-index:-1;pointer-events:none;background:conic-gradient(from var(--beam),transparent 0 110deg,rgba(200,16,46,.45) 160deg,#fff 180deg,rgba(200,16,46,.45) 200deg,transparent 250deg 360deg);filter:blur(10px);opacity:.7;animation:beam 2.8s linear infinite}

/* ---------- utility bar ---------- */
.utility{background:var(--black);color:var(--w3);font-size:.74rem;font-weight:400}
.utility .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;height:38px}
.utility .u-left{display:flex;align-items:center;gap:10px;color:var(--w2)}
.utility .dot{width:6px;height:6px;border-radius:50%;background:#31B768;box-shadow:0 0 0 3px rgba(49,183,104,.2)}
.utility .u-right{display:flex;gap:26px;align-items:center}
.utility a:hover{color:#fff}

/* ---------- header ---------- */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line-2);transition:box-shadow .3s}
.header.scrolled{box-shadow:0 10px 30px -18px rgba(0,0,0,.25)}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:84px;gap:24px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:54px;height:auto;mix-blend-mode:multiply;transition:transform .5s}
.brand:hover img{transform:rotate(-6deg)}
.brand-text{display:grid;line-height:1}
.brand-text b{font-family:var(--display);font-weight:400;font-size:1.65rem;letter-spacing:.03em}
.brand-text small{font-size:.58rem;font-weight:600;letter-spacing:.26em;text-transform:uppercase;color:var(--red);margin-top:4px}
.nav{display:flex;align-items:center;gap:30px;font-size:.88rem;font-weight:500}
.nav a{color:var(--t2);position:relative;padding:8px 0;transition:color .2s}
.nav a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:100%;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.nav a:hover,.nav a[aria-current="page"]{color:var(--black)}
.nav a:hover::after,.nav a[aria-current="page"]::after{transform:scaleX(1)}
.header-cta{display:flex;align-items:center;gap:14px}
.lang{display:inline-flex;border:1px solid var(--line);border-radius:var(--r);font-size:.74rem;font-weight:600;letter-spacing:.08em}
.lang a{padding:7px 10px;color:var(--t3)}
.lang a[aria-current="true"]{background:var(--black);color:#fff}
.header-cta .btn{padding:13px 20px}
.menu-btn{display:none;width:46px;height:46px;border:1px solid var(--line);border-radius:var(--r);place-items:center}
.menu-btn span{display:block;width:20px;height:1.5px;background:var(--black);position:relative;transition:background .2s}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0;width:20px;height:1.5px;background:var(--black);transition:transform .3s}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}
.menu-btn[aria-expanded="true"] span{background:transparent}
.menu-btn[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}
.mobile-nav{display:none}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;isolation:isolate;background:#fff}
.hero::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:var(--red)}
.hero-word{position:absolute;inset:auto 0 18% 0;z-index:-1;text-align:center;font-family:var(--display);font-size:clamp(7rem,22vw,22rem);line-height:.8;color:rgba(0,0,0,.035);white-space:nowrap;pointer-events:none;user-select:none}
.hero .hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;padding-top:80px;padding-bottom:56px}
.hero h1{margin-top:22px}
.hero .script{font-size:clamp(2rem,3.4vw,2.8rem);margin-top:18px;transform:rotate(-2deg);display:inline-block}
.hero-ctas{display:flex;flex-wrap:wrap;gap:16px;margin-top:38px;align-items:center}
.mosaic{position:relative;display:grid;grid-template-columns:1.15fr 1fr;grid-template-rows:1fr 1fr;gap:14px;height:580px}
.mosaic figure{position:relative;overflow:hidden;border-radius:var(--r);background:var(--grey)}
.mosaic figure:first-child{grid-row:1/3}
.mosaic img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s cubic-bezier(.2,.7,.2,1)}
.mosaic figure:hover img{transform:scale(1.05)}
.mosaic figcaption{position:absolute;left:12px;bottom:12px;background:#fff;color:var(--black);font-size:.68rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;padding:7px 11px;border-radius:var(--r)}
.seal{position:absolute;left:-36px;top:46px;z-index:3;width:250px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--red);padding:18px 20px;box-shadow:0 30px 60px -25px rgba(0,0,0,.35)}
.seal .s-top{display:flex;align-items:center;gap:8px;font-size:.64rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--red)}
.seal .s-top svg{width:16px;height:16px}
.seal b{display:block;font-weight:300;font-size:1.2rem;margin-top:8px;line-height:1.25}
.seal small{display:block;font-size:.74rem;color:var(--t3);margin-top:4px}
.hero-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding-bottom:72px}
.hc{position:relative;display:flex;align-items:center;gap:16px;padding:22px 22px;border:1px solid var(--line);border-radius:var(--r);background:#fff;transition:transform .4s,box-shadow .4s,border-color .4s;overflow:hidden}
.hc:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(200,16,46,.35)}
.hc .ic{flex:none;width:46px;height:46px;display:grid;place-items:center;border-radius:var(--r);background:var(--red-tint);color:var(--red)}
.hc .ic svg{width:22px;height:22px}
.hc small{display:block;font-size:.64rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--red)}
.hc b{display:block;font-weight:500;font-size:1rem;line-height:1.3;margin-top:2px}
.hc span.d{display:block;font-size:.8rem;color:var(--t3);line-height:1.45;margin-top:2px}
.hc .go{margin-left:auto;flex:none;width:34px;height:34px;display:grid;place-items:center;border:1px solid var(--line);border-radius:var(--r);transition:all .3s}
.hc .go svg{width:15px;height:15px}
.hc:hover .go{background:var(--red);border-color:var(--red);color:#fff}
.hc.red{background:var(--red);border-color:var(--red);color:#fff}
.hc.red .ic{background:rgba(255,255,255,.15);color:#fff}
.hc.red small,.hc.red span.d{color:rgba(255,255,255,.8)}
.hc.red .go{border-color:rgba(255,255,255,.35)}
.hc.red:hover .go{background:#fff;color:var(--red)}

/* ---------- trust strip ---------- */
.trust{background:var(--black);color:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:30px 28px;display:flex;gap:14px;align-items:flex-start;border-left:1px solid var(--wline)}
.trust-item:first-child{border-left:0;padding-left:0}
.trust-item svg{flex:none;width:22px;height:22px;color:var(--red-2)}
.trust-item b{display:block;font-size:.88rem;font-weight:600}
.trust-item span{font-size:.78rem;color:var(--w3)}

/* ---------- audience ---------- */
.audience{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.aud{position:relative;overflow:hidden;border-radius:var(--r);aspect-ratio:4/5;color:#fff;display:flex;align-items:flex-end;isolation:isolate}
.aud img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform 1.2s cubic-bezier(.2,.7,.2,1)}
.aud::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(0,0,0,0) 35%,rgba(0,0,0,.85) 100%)}
.aud::after{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .5s}
.aud:hover img{transform:scale(1.06)}
.aud:hover::after{transform:scaleX(1)}
.aud .body{padding:26px}
.aud small{font-size:.66rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:#fff;background:var(--red);padding:5px 9px;border-radius:var(--r)}
.aud h3{font-size:1.65rem;font-weight:300;margin:14px 0 6px}
.aud p{font-size:.9rem;color:rgba(255,255,255,.82);line-height:1.55}

/* ---------- accounts ---------- */
.tabs{display:flex;gap:0;border-bottom:1px solid var(--line);margin-bottom:40px;overflow-x:auto;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{padding:16px 26px;font-size:.92rem;font-weight:500;color:var(--t3);position:relative;white-space:nowrap;transition:color .2s}
.tab::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--red);transform:scaleX(0);transition:transform .3s}
.tab[aria-selected="true"]{color:var(--black)}
.tab[aria-selected="true"]::after{transform:scaleX(1)}
.panel{display:none;grid-template-columns:1.1fr 1fr;gap:20px}
.panel.active{display:grid;animation:fade .45s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.panel-main{position:relative;overflow:hidden;border-radius:var(--r);min-height:500px;color:#fff;padding:44px;display:flex;flex-direction:column;justify-content:flex-end;isolation:isolate}
.panel-main .bg{position:absolute;inset:0;z-index:-1}
.panel-main .bg img{width:100%;height:100%;object-fit:cover}
.panel-main .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,.05) 20%,rgba(0,0,0,.88) 100%)}
.panel-main .eyebrow{color:#fff;background:var(--red);padding:6px 10px;align-self:flex-start;font-size:.66rem}
.panel-main h3{font-weight:100;font-size:clamp(1.9rem,3vw,2.6rem);line-height:1.08;margin:16px 0 12px}
.panel-main p{color:rgba(255,255,255,.82);max-width:46ch}
.panel-main .btn{align-self:flex-start;margin-top:26px}
.panel-side{display:grid;gap:12px;align-content:start}
.feature{position:relative;display:flex;gap:20px;padding:24px 26px;border:1px solid var(--line);border-radius:var(--r);background:#fff;transition:border-color .3s,box-shadow .3s}
.feature::before{content:"";position:absolute;left:0;top:0;bottom:0;width:2px;background:var(--red);transform:scaleY(0);transition:transform .4s;transform-origin:top}
.feature:hover{box-shadow:var(--shadow)}
.feature:hover::before{transform:scaleY(1)}
.feature .num{font-weight:200;font-size:1.6rem;color:var(--red);line-height:1;min-width:36px}
.feature b{display:block;font-weight:600;margin-bottom:2px}
.feature span{color:var(--t2);font-size:.92rem}

/* ---------- salary ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.photo{position:relative;overflow:hidden;border-radius:var(--r);aspect-ratio:4/5;background:var(--grey)}
.photo img{width:100%;height:100%;object-fit:cover}
.photo .tag{position:absolute;left:16px;top:16px;background:var(--red);color:#fff;font-size:.66rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;padding:7px 11px;border-radius:var(--r)}
.photo .float{position:absolute;left:16px;right:16px;bottom:16px;background:#fff;border-radius:var(--r);padding:16px 18px;display:flex;gap:14px;align-items:center;box-shadow:0 20px 40px -20px rgba(0,0,0,.45)}
.photo .float .ok{width:38px;height:38px;flex:none;border-radius:50%;background:#E8F6EE;color:#1F9A57;display:grid;place-items:center}
.photo .float .ok svg{width:18px;height:18px}
.photo .float b{display:block;font-size:.9rem}
.photo .float span{font-size:.8rem;color:var(--t3)}
.steps{margin:36px 0 38px}
.step{display:grid;grid-template-columns:64px 1fr;gap:12px;padding:22px 0;border-top:1px solid var(--line)}
.step:last-child{border-bottom:1px solid var(--line)}
.step .n{font-family:var(--display);font-size:1.7rem;color:var(--red);line-height:1}
.step b{display:block;font-weight:600}
.step span{color:var(--t2);font-size:.94rem}

/* ---------- premier band ---------- */
.premier{background:var(--black);color:#fff;overflow:hidden}
.premier .grid{display:grid;grid-template-columns:1fr 1fr;min-height:620px}
.premier .ph{position:relative;overflow:hidden}
.premier .ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.premier .copy{padding:100px max(48px,calc((100vw - var(--wrap))/2 + 48px)) 100px 80px;display:flex;flex-direction:column;justify-content:center;position:relative}
.premier .copy::before{content:"";position:absolute;left:0;top:0;width:100%;height:4px;background:var(--red)}
.premier ul{list-style:none;display:grid;gap:16px;margin:30px 0 36px}
.premier li{display:flex;gap:14px;color:var(--w2)}
.premier li svg{flex:none;width:20px;height:20px;color:var(--red-2);margin-top:4px}
.premier li b{color:#fff}

/* ---------- loans ---------- */
.loans-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:start}
.loan-list{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.loan{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;transition:transform .4s,box-shadow .4s,border-color .4s}
.loan:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(200,16,46,.3)}
.loan .ph{aspect-ratio:16/10;overflow:hidden}
.loan .ph img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s cubic-bezier(.2,.7,.2,1)}
.loan:hover .ph img{transform:scale(1.05)}
.loan .body{padding:22px 24px 26px}
.loan h3{font-size:1.35rem}
.loan p{font-size:.9rem;color:var(--t2);margin-top:6px}
.calc{position:sticky;top:110px;background:var(--black);color:#fff;border-radius:var(--r);padding:38px;border-top:4px solid var(--red)}
.calc h3{font-weight:100;font-size:2rem}
.calc .sub{color:var(--w3);font-size:.88rem;margin:6px 0 30px}
.field{margin-bottom:24px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:12px}
.field label{font-size:.7rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--w3)}
.field output{font-weight:600}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:3px;background:linear-gradient(to right,var(--red-2) var(--p,50%),rgba(255,255,255,.18) var(--p,50%));outline:none;border-radius:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:4px solid var(--red);cursor:pointer}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:4px solid var(--red);cursor:pointer}
.calc-result{border-top:1px solid var(--wline);margin-top:10px;padding-top:22px;display:grid;gap:12px}
.calc-result .big span{display:block;font-size:.7rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--w3)}
.calc-result .big b{display:block;font-weight:200;font-size:2.6rem;line-height:1.1;margin-top:4px}
.calc-result .row{display:flex;justify-content:space-between;font-size:.88rem;color:var(--w2)}
.calc .btn{width:100%;margin-top:24px}
.calc .fine{font-size:.74rem;color:var(--w3);margin-top:16px;line-height:1.55}

/* ---------- services ---------- */
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.svc{position:relative;border:1px solid var(--line);border-radius:var(--r);background:#fff;padding:34px 30px;transition:transform .4s,box-shadow .4s,border-color .4s;overflow:hidden}
.svc::before{content:"";position:absolute;inset:0 0 auto 0;height:2px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .5s}
.svc:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(200,16,46,.3)}
.svc:hover::before{transform:scaleX(1)}
.svc .ic{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:var(--r);background:var(--red-tint);color:var(--red);transition:background .4s,color .4s}
.svc:hover .ic{background:var(--red);color:#fff}
.svc .ic svg{width:24px;height:24px}
.svc h3{margin-top:22px;font-size:1.4rem}
.svc p{color:var(--t2);font-size:.93rem;margin-top:8px}

/* ---------- channels ---------- */
.partners{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}
.partner{border:1px solid var(--line);border-radius:var(--r);padding:26px;background:#fff}
.partner .logo{display:flex;align-items:center;gap:12px;font-weight:600}
.partner .pill{width:44px;height:44px;border-radius:var(--r);display:grid;place-items:center;font-weight:800;font-size:.74rem}
.partner p{font-size:.86rem;color:var(--t2);margin-top:12px}

/* ---------- governance ---------- */
.gov{display:grid;grid-template-columns:.95fr 1.05fr;gap:72px;align-items:start}
.decree{border:1px solid var(--wline);border-top:4px solid var(--red);border-radius:var(--r);padding:42px;background:rgba(255,255,255,.03)}
.decree .stamp{width:76px;height:76px;border-radius:50%;border:1.5px solid var(--red-2);display:grid;place-items:center;color:var(--red-2);margin-bottom:24px;position:relative}
.decree .stamp::after{content:"";position:absolute;inset:6px;border-radius:50%;border:1px dashed rgba(225,29,63,.5)}
.decree .stamp svg{width:30px;height:30px}
.decree .ref{font-size:.7rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--red-2)}
.decree h3{font-weight:100;font-size:2rem;margin:12px 0 16px;line-height:1.1}
.decree p{color:var(--w2);font-size:.95rem}
.decree dl{display:grid;grid-template-columns:auto 1fr;gap:12px 22px;margin-top:28px;padding-top:24px;border-top:1px solid var(--wline);font-size:.86rem}
.decree dt{color:var(--w3)}
.decree dd{font-weight:500;word-break:break-word}
.officers{display:grid;gap:12px;margin-top:40px}
.officer{display:flex;gap:18px;align-items:center;padding:22px;border:1px solid var(--wline);border-radius:var(--r)}
.officer .av{width:54px;height:54px;flex:none;border-radius:50%;background:var(--red);display:grid;place-items:center;font-family:var(--display);font-size:1.15rem;letter-spacing:.04em}
.officer .av.alt{background:#fff;color:var(--black)}
.officer b{display:block;font-weight:600}
.officer span{font-size:.86rem;color:var(--w2)}
.officer small{display:block;font-size:.72rem;color:var(--w3);margin-top:3px}
.framework{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.framework div{padding:16px 18px;border:1px solid var(--wline);border-radius:var(--r);font-size:.8rem;color:var(--w2)}
.framework b{display:block;color:var(--red-2);font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;margin-bottom:4px}

/* ---------- heritage ---------- */
.quote{font-weight:100;font-size:clamp(1.8rem,3.2vw,2.7rem);line-height:1.2;margin-top:18px}
.quote em{color:var(--red)}
.heritage .script{font-size:2.4rem;margin-top:22px;display:block}
.timeline{border-left:1px solid var(--line);padding-left:36px}
.tl{position:relative;padding-bottom:36px}
.tl:last-child{padding-bottom:0}
.tl::before{content:"";position:absolute;left:-42px;top:8px;width:11px;height:11px;border-radius:50%;background:#fff;border:2px solid var(--red)}
.tl .y{font-family:var(--display);font-size:1.6rem;color:var(--red);letter-spacing:.02em}
.tl b{display:block;font-weight:600;margin:2px 0 4px}
.tl span{color:var(--t2);font-size:.94rem}
.heritage .photo{aspect-ratio:16/10;margin-top:36px}

/* ---------- branches ---------- */
.branches{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.branch{border:1px solid var(--line);border-radius:var(--r);background:#fff;padding:34px;display:flex;flex-direction:column;gap:12px;position:relative;overflow:hidden}
.branch::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:var(--red)}
.branch .lbl{font-size:.68rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--red)}
.branch .city{font-family:var(--display);font-size:2.6rem;line-height:1;letter-spacing:.01em}
.branch p{color:var(--t2);font-size:.94rem;flex:1}
.branch.hours{background:var(--black);color:#fff;border-color:var(--black)}
.hours-row{display:flex;justify-content:space-between;padding:13px 0;border-top:1px solid var(--wline);font-size:.92rem}
.hours-row span{color:var(--w3)}
.open-now{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;color:var(--w2);margin-top:6px}
.open-now i{width:8px;height:8px;border-radius:50%;background:#777}
.open-now.on i{background:#31B768;box-shadow:0 0 0 4px rgba(49,183,104,.25)}

/* ---------- CTA + form ---------- */
.cta{position:relative;overflow:hidden;isolation:isolate}
.cta .bgword{position:absolute;right:-2%;bottom:-6%;z-index:-1;font-family:var(--display);font-size:clamp(8rem,20vw,20rem);line-height:.8;color:rgba(255,255,255,.04);pointer-events:none;user-select:none}
.cta .grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
.contact-lines{margin-top:40px}
.contact-lines a{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:20px 0;border-top:1px solid var(--wline);font-size:1.1rem;font-weight:400;transition:color .2s,padding .3s}
.contact-lines a:last-child{border-bottom:1px solid var(--wline)}
.contact-lines a span{font-size:.68rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--w3)}
.contact-lines a:hover{color:var(--red-2);padding-left:8px}
.form{background:#fff;color:var(--black);border-radius:var(--r);padding:40px;border-top:4px solid var(--red)}
.form h3{font-weight:100;font-size:2rem}
.form .sub{color:var(--t3);font-size:.88rem;margin:6px 0 26px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .full{grid-column:1/-1}
.form label{display:grid;gap:8px;font-size:.68rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--t3)}
.form input,.form select,.form textarea{font:inherit;font-size:.95rem;font-weight:400;letter-spacing:0;text-transform:none;color:var(--black);padding:14px 16px;border:1px solid var(--line);border-radius:var(--r);background:#F8FAFC;width:100%;transition:border-color .2s,box-shadow .2s}
.form input:hover,.form select:hover,.form textarea:hover{border-color:var(--red)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.1)}
.form textarea{min-height:110px;resize:vertical}
.form .btn{width:100%;margin-top:22px}
.form .fine{font-size:.76rem;color:var(--t3);margin-top:14px;text-align:center}

/* ---------- inner page hero ---------- */
.phero{position:relative;overflow:hidden;isolation:isolate;background:#fff;border-bottom:1px solid var(--line-2)}
.phero::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:var(--red)}
.phero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:80px}
.phero h1{font-size:clamp(2.4rem,5vw,4.4rem);margin-top:20px}
.phero .photo{aspect-ratio:5/4}
.phero .hero-word{bottom:-4%;font-size:clamp(6rem,16vw,15rem)}
.crumbs{font-size:.78rem;color:var(--t3);display:flex;gap:8px}
.crumbs a:hover{color:var(--red)}

/* ---------- footer ---------- */
.footer{background:var(--black);color:var(--w3);padding:90px 0 30px;font-size:.88rem;position:relative}
.footer::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:var(--red)}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:56px;padding-bottom:56px;border-bottom:1px solid var(--wline)}
.footer h4{font-size:.7rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:#fff;margin-bottom:18px}
.footer ul{list-style:none;display:grid;gap:10px}
.footer a:hover{color:#fff}
.footer .brand{color:#fff;margin-bottom:20px}
.footer .brand img{mix-blend-mode:normal;background:#fff;border-radius:50%;padding:5px;width:58px}
.footer .affil{display:flex;align-items:center;gap:12px;margin-top:22px}
.footer .affil img{width:46px;height:46px;border-radius:50%;background:#fff;padding:2px}
.footer .affil span{font-size:.78rem;line-height:1.45}
.legal{padding-top:26px;font-size:.74rem;line-height:1.75;display:grid;gap:10px}
.legal .row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .9s cubic-bezier(.2,.7,.2,1),transform .9s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .nav{display:none}
  .menu-btn{display:grid}
  .mobile-nav{position:fixed;left:0;right:0;top:122px;bottom:0;z-index:49;background:#fff;padding:12px 24px 40px;display:flex;flex-direction:column;overflow-y:auto;opacity:0;transform:translateY(-8px);pointer-events:none;transition:opacity .25s,transform .25s}
  .mobile-nav.open{opacity:1;transform:none;pointer-events:auto}
  .mobile-nav a{padding:16px 0;border-bottom:1px solid var(--line-2);font-size:1.05rem;font-weight:500;display:flex;justify-content:space-between}
  .mobile-nav a[aria-current="page"]{color:var(--red)}
  .mobile-nav .btn{margin-top:24px;border:0;justify-content:center;color:#fff}
  .trust .wrap{grid-template-columns:1fr 1fr}
  .trust-item:nth-child(3){border-left:0;padding-left:0}
  .trust-item:nth-child(n+3){border-top:1px solid var(--wline)}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .wrap{padding:0 28px}
  .section{padding:84px 0}
  .head{grid-template-columns:1fr;gap:20px;margin-bottom:44px}
  .hero .hero-grid,.phero .wrap,.split,.loans-grid,.gov,.cta .grid{grid-template-columns:1fr;gap:48px}
  .hero .hero-grid{padding-top:56px}
  .mosaic{height:480px}
  .seal{left:16px;top:auto;bottom:16px}
  .hero-cards{grid-template-columns:1fr}
  .audience{grid-template-columns:1fr 1fr}
  .panel{grid-template-columns:1fr}
  .services{grid-template-columns:1fr 1fr}
  .branches{grid-template-columns:1fr}
  .premier .grid{grid-template-columns:1fr}
  .premier .ph{min-height:420px}
  .premier .copy{padding:72px 28px}
  .calc{position:static}
  .partners{grid-template-columns:1fr}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  .section{padding:68px 0}
  .utility .u-right a:not(:first-child){display:none}
  .utility .long{display:none}
  .header .wrap{height:70px}
  .mobile-nav{top:108px}
  .brand img{width:44px}
  .brand-text b{font-size:1.35rem}
  .brand-text small{font-size:.5rem;letter-spacing:.2em}
  .header-cta .btn-red{display:none}
  .hero .script{font-size:1.9rem}
  .hero-ctas .btn{width:100%}
  .hero-ctas .beam{width:100%}
  .mosaic{height:400px;grid-template-columns:1fr 1fr;gap:8px}
  .seal{width:210px;padding:14px 16px}
  .seal b{font-size:1.05rem}
  .audience,.services,.loan-list,.framework,.form-grid{grid-template-columns:1fr}
  .aud{aspect-ratio:4/3}
  .trust .wrap{grid-template-columns:1fr}
  .trust-item{border-left:0!important;padding:22px 0!important;border-top:1px solid var(--wline)}
  .trust-item:first-child{border-top:0}
  .panel-main{padding:28px;min-height:420px}
  .feature{padding:20px}
  .calc,.form,.decree{padding:26px}
  .step{grid-template-columns:48px 1fr}
  .footer-top{grid-template-columns:1fr;gap:36px}
  .tab{padding:14px 16px}
  .branch .city{font-size:2.2rem}
}
@media (max-width:640px){
  .brand-text small{display:none}
  .mosaic{height:auto;grid-template-rows:200px 200px auto}
  .seal{position:static;grid-column:1/-1;width:auto;box-shadow:none}
}