:root {
  --black: #0a0a0a;
  --deep: #111214;
  --carbon: #1a1c1f;
  --steel: #2c2f35;
  --mid: #4a4f58;
  --muted: #bcc6d1;
  --silver: #d7dde4;
  --light: #e1e6ec;
  --white: #f5f5f0;
  --accent: #b8c4cc;
  --gold: #c9a96e;
  --gold-light: #e8c98a;
}

input[type="number"] {
  -moz-appearance: textfield;
  appearance: textfield;
}

input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 17px; }
body {
  background: var(--black);
  color: var(--white);
  font-family: 'Barlow', sans-serif;
  font-weight: 400;
  font-size: 1rem;
  overflow-x: hidden;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  height: 72px;
  background: rgba(10,10,10,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: white;
  font-weight: 600;
  letter-spacing: 1px;
}
.logo img { height: 38px; width: auto; object-fit: contain; }
.nav-logo { display: flex; flex-direction: column; line-height: 1; }
.nav-logo .sub {
  font-size: 9px;
  letter-spacing: 0.25em;
  color: var(--gold);
  text-transform: uppercase;
  margin-top: 2px;
}
.nav-links { display: flex; gap: 36px; list-style: none; }
.nav-links a {
  color: var(--silver);
  text-decoration: none;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  transition: color 0.25s;
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); }
.nav-dropdown { position: relative; }
.nav-dropdown-toggle { display: inline-flex; align-items: center; gap: 8px; }
.nav-dropdown-toggle::after {
  content: '';
  width: 6px;
  height: 6px;
  border-right: 1px solid currentColor;
  border-bottom: 1px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  transition: transform 0.25s ease;
}
.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 120px;
  padding: 10px 0;
  margin-top: 10px;
  list-style: none;
  background: rgba(17,18,20,0.98);
  border: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 18px 40px rgba(0,0,0,0.35);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s ease;
  z-index: 200;
}
.nav-dropdown::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 18px;
}
.nav-dropdown-menu a {
  display: block;
  padding: 12px 18px;
  color: var(--silver);
  text-decoration: none;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  white-space: nowrap;
  transition: background 0.25s ease, color 0.25s ease;
}
.nav-dropdown-menu a:hover { background: rgba(255,255,255,0.04); color: var(--white); }
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown:hover .nav-dropdown-toggle::after { transform: rotate(225deg) translateY(-1px); }
.nav-cta {
  background: var(--gold);
  color: var(--black);
  border: none;
  padding: 10px 24px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  transition: background 0.25s;
}
.nav-cta:hover { background: var(--gold-light); }

.page-hero {
  position: relative;
  padding: 160px 72px 72px;
  background:
    radial-gradient(ellipse 80% 60% at 72% 40%, rgba(44,47,53,0.46) 0%, transparent 60%),
    radial-gradient(ellipse 45% 65% at 15% 85%, rgba(201,169,110,0.08) 0%, transparent 55%),
    linear-gradient(180deg, rgba(10,10,10,0.2) 0%, rgba(10,10,10,0.94) 100%);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 80px 80px;
  pointer-events: none;
}
.page-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.25fr 0.9fr;
  gap: 28px;
  align-items: end;
}
.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(44px, 5.2vw, 72px);
  font-weight: 300;
  line-height: 1.04;
  color: var(--white);
  margin-bottom: 18px;
}
.section-subtitle {
  font-size: 16px;
  color: var(--muted);
  line-height: 1.8;
  max-width: 720px;
}
.hero-rule-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.rule-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.06);
  padding: 18px 20px;
}
.rule-card-label {
  color: var(--muted);
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.rule-card-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 34px;
  line-height: 1;
}
.finance-form-status {
  margin-top: 14px;
  font-size: 14px;
  line-height: 1.6;
  color: #9ca3af;
}

.finance-form-status.success {
  color: #86efac;
}

.finance-form-status.error {
  color: #fca5a5;
}
.finance-page {
  padding: 48px 72px 120px;
  background: var(--deep);
}
.finance-layout {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 28px;
  align-items: start;
}
.finance-sidebar {
  position: sticky;
  top: 96px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.sidebar-card,
.finance-panel {
  background: var(--carbon);
  border: 1px solid rgba(255,255,255,0.06);
}
.sidebar-card { padding: 24px; }
.sidebar-card.compact { padding: 22px 24px; }
.sidebar-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 30px;
  font-weight: 300;
  margin-bottom: 10px;
}
.sidebar-copy {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.75;
  margin-bottom: 18px;
}
.info-list { display: flex; flex-direction: column; gap: 14px; }
.info-item {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 12px;
  align-items: start;
  color: var(--silver);
  font-size: 15px;
  line-height: 1.7;
}
.info-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  background: rgba(201,169,110,0.09);
  border: 1px solid rgba(201,169,110,0.22);
  color: var(--gold-light);
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 700;
  letter-spacing: 0.1em;
}

.finance-panel { padding: 30px; }
.panel-topbar {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  align-items: center;
  margin-bottom: 24px;
}
.panel-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 42px;
  font-weight: 300;
  line-height: 1;
}
.btn-reset,
.btn-primary,
.btn-outline {
  display: inline-block;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.25s, color 0.25s, border-color 0.25s, transform 0.25s;
}
.btn-reset {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.12);
  padding: 12px 18px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.btn-reset:hover { border-color: var(--gold); color: var(--gold); }

.finance-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-bottom: 20px;
}
.finance-field {
  background: var(--deep);
  border: 1px solid rgba(255,255,255,0.05);
  padding: 16px;
}
.finance-label {
  display: block;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(201, 169, 110, 0.82);
  font-weight: 600;
  margin-bottom: 8px;
}
.finance-input,
.finance-select {
  width: 100%;
  background: var(--steel);
  border: 1px solid rgba(255,255,255,0.08);
  color: var(--white);
  padding: 13px 14px;
  font-family: 'Barlow', sans-serif;
  font-size: 14px;
  outline: none;
}
.finance-input:focus,
.finance-select:focus { border-color: var(--gold); }

.phone-input-combo {
  display: flex;
  gap: 10px;
  align-items: stretch;
}

.phone-country-select,
.phone-number-input {
  flex: 1 1 0;
  min-width: 0;
}

.phone-country-shell {
  position: relative;
  flex: 1 1 0;
  min-width: 0;
}

.phone-country-select {
  cursor: pointer;
  min-width: 112px;
  color: transparent;
  -webkit-text-fill-color: transparent;
  padding-right: 34px;
  position: relative;
}

.phone-country-select option {
  color: #0f1115;
}

.phone-country-current {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--white);
  font-family: 'Barlow', sans-serif;
  font-size: 13px;
  letter-spacing: 0.04em;
  pointer-events: none;
  white-space: nowrap;
}

.finance-summary {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 18px;
}
.summary-item,
.finance-result {
  background: var(--deep);
  border: 1px solid rgba(255,255,255,0.05);
  padding: 16px;
}
.summary-label,
.finance-result-label {
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 8px;
}
.summary-value,
.finance-result-value {
  font-family: 'Cormorant Garamond', serif;
  color: var(--white);
  line-height: 1;
}
.summary-value { font-size: 28px; }
.finance-results {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 18px;
}
.finance-result-value { font-size: 36px; }
.finance-result.highlight {
  border-color: rgba(201,169,110,0.22);
  background: linear-gradient(180deg, rgba(201,169,110,0.07) 0%, rgba(17,18,20,0.85) 100%);
}
.eligibility-banner {
  margin-bottom: 16px;
  padding: 16px 18px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  color: var(--silver);
  font-size: 13px;
  line-height: 1.7;
}
.finance-footnote {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.8;
}
.finance-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 26px;
}
.btn-primary {
  background: var(--gold);
  color: var(--black);
  padding: 14px 32px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-outline {
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--white);
  padding: 14px 32px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }

footer {
  background: var(--deep);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 80px 72px 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}
.footer-brand .brand {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 700;
  font-size: 24px;
  letter-spacing: 0.18em;
  color: var(--white);
  display: block;
  margin-bottom: 4px;
}
.footer-brand .tagline-footer {
  font-size: 11px;
  letter-spacing: 0.12em;
  color: var(--gold);
  text-transform: uppercase;
  display: block;
  margin-bottom: 20px;
}
.footer-brand p { font-size: 15px; font-weight: 500; color: var(--muted); line-height: 1.8; max-width: 280px; }
.footer-col-title {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--silver);
  margin-bottom: 24px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-links a { color: var(--muted); text-decoration: none; font-size: 14px; font-weight: 600; transition: color 0.25s; }
.footer-links a:hover { color: var(--white); }
.footer-contact { display: flex; flex-direction: column; gap: 12px; }
.contact-item { display: flex; gap: 10px; align-items: flex-start; }
.contact-text { font-size: 14px; font-weight: 600; color: var(--muted); line-height: 1.5; }
.contact-text a { color: var(--muted); text-decoration: none; transition: color 0.25s; }
.contact-text a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-copy { font-size: 13px; font-weight: 500; color: var(--muted); }
.footer-socials { display: flex; gap: 20px; }
.social-link {
  width: 36px;
  height: 36px;
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  text-decoration: none;
  font-size: 14px;
  transition: all 0.25s;
}
.social-link:hover { border-color: var(--gold); color: var(--gold); }

@media (max-width: 1200px) {
  .page-hero-inner,
  .finance-layout { grid-template-columns: 1fr; }
  .finance-sidebar { position: static; }
}

@media (max-width: 1024px) {
  nav, .page-hero, .finance-page, footer { padding-left: 28px; padding-right: 28px; }
  .nav-links { display: none; }
  .finance-grid,
  .finance-summary,
  .finance-results,
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .panel-title { font-size: 34px; }
}

@media (max-width: 640px) {
  .page-hero { padding-top: 128px; padding-bottom: 56px; }
  .finance-panel { padding: 22px; }
  .panel-topbar,
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .finance-grid,
  .finance-summary,
  .finance-results,
  .footer-grid { grid-template-columns: 1fr; }
  .finance-actions { flex-direction: column; }
  .btn-primary, .btn-outline, .btn-reset { width: 100%; text-align: center; }
}


.lead-capture-panel {
  margin-top: 28px;
  padding: 24px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
}
.lead-capture-header {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  margin-bottom: 8px;
}
.lead-section-label {
  margin-bottom: 10px;
}
.lead-capture-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 30px;
  font-weight: 300;
  line-height: 1;
}
.lead-capture-badge {
  padding: 8px 12px;
  border: 1px solid rgba(201,169,110,0.2);
  background: rgba(201,169,110,0.08);
  color: var(--gold-light);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  white-space: nowrap;
}
.lead-capture-copy {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.75;
  margin-bottom: 18px;
}
.lead-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.full-span {
  grid-column: 1 / -1;
}
.finance-textarea {
  min-height: 110px;
  resize: vertical;
}
.lead-message {
  margin-top: 16px;
  padding: 14px 16px;
  background: var(--deep);
  border: 1px solid rgba(255,255,255,0.05);
  color: var(--silver);
  font-size: 12px;
  line-height: 1.7;
}
.lead-message.error {
  border-color: rgba(220,70,70,0.3);
  color: #ffdede;
}
.lead-message.success {
  border-color: rgba(80,200,120,0.3);
  color: #dfffe8;
}
.lead-actions {
  margin-top: 18px;
}

.finance-toast {
  position: fixed;
  top: 96px;
  right: 24px;
  z-index: 9999;
  min-width: 280px;
  max-width: 420px;
  padding: 16px 18px;
  border: 1px solid rgba(255,255,255,0.12);
  background: rgba(17, 18, 20, 0.96);
  color: #f5f5f0;
  box-shadow: 0 18px 40px rgba(0,0,0,0.35);
  opacity: 0;
  transform: translateY(-12px);
  pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
  font-size: 13px;
  line-height: 1.6;
}

.finance-toast.show {
  opacity: 1;
  transform: translateY(0);
}

.finance-toast.success {
  border-color: rgba(134, 239, 172, 0.35);
}

.finance-toast.error {
  border-color: rgba(252, 165, 165, 0.35);
}

@media (max-width: 640px) {
  .lead-capture-header,
  .lead-form-grid {
    grid-template-columns: 1fr;
    flex-direction: column;
    align-items: flex-start;
  }

  .phone-input-combo {
    flex-direction: row;
    align-items: stretch;
  }

  .phone-country-select {
    min-width: 108px;
  }

  .phone-country-shell {
    flex: 0 1 108px;
  }

  .phone-number-input {
    flex: 1 1 auto;
  }
}