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

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
  --navy:#0C1B2E;
  --navy-mid:#152336;
  --navy-deep:#060D16;
  --gold:#B8892E;
  --gold-light:#D4A84B;
  --gold-pale:#FAF4E8;
  --white:#FFFFFF;
  --off-white:#F9F8F6;
  --light-gray:#F3F2EF;
  --charcoal:#222222;
  --slate:#5A6475;
  --muted:#8A96A8;
  --border-light:rgba(0,0,0,0.08);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;font-weight:300;line-height:1.7;color:var(--charcoal);background:var(--white);overflow-x:hidden}

/* ── NAV ── */
nav{position:fixed;top:0;left:0;right:0;z-index:200;display:flex;align-items:center;justify-content:space-between;padding:1rem 3.5rem;background:rgba(255,255,255,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border-light)}
.nav-logo{font-family:'Cormorant Garamond',serif;font-size:1.3rem;font-weight:600;letter-spacing:0.05em;color:var(--navy);text-decoration:none}
.nav-logo span{color:var(--gold)}
.nav-links{display:flex;gap:2rem;list-style:none}
.nav-links a{font-size:0.72rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--slate);text-decoration:none;transition:color .2s;padding:0.3rem 0;border-bottom:1px solid transparent}
.nav-links a:hover,.nav-links a.active{color:var(--gold);border-bottom-color:var(--gold)}
.nav-cta{font-size:0.7rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.6rem 1.4rem;text-decoration:none;font-weight:500;transition:background .2s;white-space:nowrap}
.nav-cta:hover{background:var(--gold)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.nav-hamburger span{display:block;width:22px;height:2px;background:var(--navy);transition:all .3s}
.mobile-menu{display:none;position:fixed;top:61px;left:0;right:0;background:var(--white);border-bottom:1px solid var(--border-light);padding:1.2rem 1.5rem;z-index:199;flex-direction:column;gap:0;box-shadow:0 8px 24px rgba(0,0,0,0.08)}
.mobile-menu.open{display:flex}
.mobile-menu a{font-size:0.8rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--slate);text-decoration:none;padding:0.85rem 0;border-bottom:1px solid rgba(0,0,0,0.06);transition:color .2s}
.mobile-menu a:hover{color:var(--gold)}
.mobile-menu a.mobile-cta{color:var(--white);background:var(--navy);text-align:center;padding:0.8rem;border:none;margin-top:0.8rem;display:block}
.mobile-menu a.mobile-cta:hover{background:var(--gold)}

/* ── SHARED TYPOGRAPHY ── */
.eyebrow{font-size:0.67rem;letter-spacing:0.2em;text-transform:uppercase;color:var(--gold);margin-bottom:0.9rem;display:flex;align-items:center;gap:0.7rem}
.eyebrow::before{content:'';display:inline-block;width:20px;height:1px;background:var(--gold)}
h1{font-family:'Cormorant Garamond',serif;font-size:clamp(2.6rem,5vw,4.4rem);font-weight:300;line-height:1.1;color:var(--navy);margin-bottom:1.4rem}
h1 em,h2 em{font-style:italic;color:var(--gold)}
h2{font-family:'Cormorant Garamond',serif;font-size:clamp(1.8rem,3vw,2.7rem);font-weight:300;line-height:1.2;color:var(--navy);margin-bottom:1rem}
h3{font-family:'Cormorant Garamond',serif;font-size:1.4rem;font-weight:300;color:var(--navy);margin-bottom:0.6rem;line-height:1.3}
.section-lead{font-size:0.91rem;color:var(--slate);line-height:1.82}

/* ── BUTTONS ── */
.btn-navy{font-size:0.7rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.85rem 1.8rem;text-decoration:none;font-weight:500;transition:background .2s;display:inline-block}
.btn-navy:hover{background:var(--gold)}
.btn-gold{font-size:0.7rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--navy);background:var(--gold-light);padding:0.85rem 1.8rem;text-decoration:none;font-weight:500;transition:background .2s;display:inline-block}
.btn-gold:hover{background:#dfb03a}
.btn-outline{font-size:0.7rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--navy);border:1px solid rgba(12,27,46,0.25);padding:0.85rem 1.8rem;text-decoration:none;transition:all .2s;display:inline-block}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-ghost-white{font-size:0.7rem;letter-spacing:0.12em;text-transform:uppercase;color:rgba(255,255,255,0.55);border:1px solid rgba(255,255,255,0.2);padding:0.85rem 1.8rem;text-decoration:none;transition:all .2s;display:inline-block}
.btn-ghost-white:hover{border-color:var(--gold-light);color:var(--gold-light)}

/* ── PILL TAGS ── */
.pill{font-size:0.63rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);border:1px solid rgba(12,27,46,0.18);padding:0.28rem 0.8rem;display:inline-block}
.pill-row{display:flex;flex-wrap:wrap;gap:0.5rem;margin-top:1.2rem}

/* ── MARQUEE ── */
.marquee-bar{overflow:hidden;padding:0.62rem 0;background:var(--light-gray);border-top:1px solid rgba(0,0,0,0.05);border-bottom:1px solid rgba(0,0,0,0.05)}
.marquee-track{display:flex;animation:marquee 40s linear infinite;width:max-content}
.marquee-item{font-size:0.63rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--slate);padding:0 2rem;white-space:nowrap;display:flex;align-items:center;gap:2rem}
.marquee-item::after{content:'◆';font-size:0.3rem;color:var(--gold)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ── LOAN BAND ── */
.loan-band{background:var(--navy);padding:1.6rem 3.5rem}
.loan-band-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:2.5rem;flex-wrap:wrap}
.loan-item{text-align:center}
.loan-label{font-size:0.6rem;letter-spacing:0.15em;text-transform:uppercase;color:rgba(255,255,255,0.38);margin-bottom:0.25rem}
.loan-value{font-family:'Cormorant Garamond',serif;font-size:1.8rem;font-weight:300;color:var(--gold-light);line-height:1}
.loan-sep{color:rgba(255,255,255,0.12);font-size:1.4rem}
.loan-note{font-size:0.74rem;color:rgba(255,255,255,0.35);text-align:center;max-width:300px;line-height:1.6}

/* ── CLIENT LOGOS ── */
.clients-banner{background:var(--white);padding:2.5rem 3.5rem;border-bottom:1px solid var(--border-light)}
.clients-label{text-align:center;font-size:0.62rem;letter-spacing:0.18em;text-transform:uppercase;color:var(--muted);margin-bottom:1.8rem}
.clients-scroll{overflow:hidden;position:relative}
.clients-scroll::before,.clients-scroll::after{content:'';position:absolute;top:0;bottom:0;width:100px;z-index:2;pointer-events:none}
.clients-scroll::before{left:0;background:linear-gradient(to right,var(--white),transparent)}
.clients-scroll::after{right:0;background:linear-gradient(to left,var(--white),transparent)}
.clients-track{display:flex;align-items:center;animation:clientScroll 28s linear infinite;width:max-content}
.clients-track:hover{animation-play-state:paused}
@keyframes clientScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.client-logo{padding:0 2.8rem;display:flex;align-items:center;justify-content:center;filter:grayscale(1) opacity(0.35);transition:filter .35s;cursor:default}
.client-logo:hover{filter:grayscale(0.2) opacity(0.8)}
.client-logo svg{height:26px;width:auto;display:block}
.client-name{font-family:'Cormorant Garamond',serif;font-size:1.2rem;font-weight:600;letter-spacing:0.08em;color:var(--navy);white-space:nowrap}

/* ── PAGE HERO (inner pages) ── */
.page-hero{background:var(--navy);padding:8rem 3.5rem 4rem;margin-top:61px}
.page-hero-inner{max-width:1100px;margin:0 auto}
.page-hero h1{color:#fff;margin-bottom:0.8rem}
.page-hero h1 em{color:var(--gold-light)}
.page-hero .section-lead{color:rgba(255,255,255,0.45);max-width:540px}

/* ── FOOTER ── */
footer{background:var(--navy-deep);padding:3.5rem 3.5rem 2rem;border-top:1px solid rgba(255,255,255,0.05)}
.footer-top{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,0.05)}
.footer-logo{font-family:'Cormorant Garamond',serif;font-size:1.15rem;font-weight:600;letter-spacing:0.05em;color:#fff}
.footer-logo span{color:var(--gold)}
.footer-brand p{font-size:0.74rem;color:rgba(255,255,255,0.27);line-height:1.75;margin-top:0.7rem;max-width:200px}
.footer-col h4{font-size:0.62rem;letter-spacing:0.15em;text-transform:uppercase;color:var(--gold);margin-bottom:0.9rem}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:0.5rem}
.footer-col a{font-size:0.74rem;color:rgba(255,255,255,0.3);text-decoration:none;transition:color .2s}
.footer-col a:hover{color:var(--gold)}
.footer-col p{font-size:0.74rem;color:rgba(255,255,255,0.3);line-height:1.7;margin-bottom:0.4rem}
.footer-bottom{max-width:1100px;margin:2rem auto 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.footer-copy{font-size:0.62rem;color:rgba(255,255,255,0.17);letter-spacing:0.04em}
.footer-disc{font-size:0.58rem;color:rgba(255,255,255,0.12);max-width:460px;text-align:right;line-height:1.6}

/* ── MOBILE ── */
@media(max-width:900px){
  nav{padding:0.9rem 1.5rem}
  .nav-links,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .loan-band{padding:1.4rem 1.5rem}
  .loan-sep{display:none}
  .loan-band-inner{gap:1.2rem}
  .clients-banner{padding:2rem 1.5rem}
  .page-hero{padding:6rem 1.5rem 3rem}
  footer{padding:2.5rem 1.5rem 1.5rem}
  .footer-top{grid-template-columns:1fr 1fr;gap:2rem}
  .footer-bottom{flex-direction:column;align-items:flex-start}
  .footer-disc{text-align:left;max-width:100%}
}
@media(max-width:480px){
  .footer-top{grid-template-columns:1fr}
  .loan-value{font-size:1.5rem}
}