:root{
  --navy:#00203C; --navy-2:#0A3159; --gold:#B8911A; --gold-2:#D4AE45;
  --bg:#F7F6F2; --surface:#fff; --ink:#0B1B2B; --muted:#5A6675; --line:#E3E0D6;
  --r:20px; --shadow:0 10px 30px rgba(0,32,60,.08);
  --max:1200px;
}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:Poppins,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:999px;font-weight:500;font-size:.95rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;min-height:44px;transition:background .2s,color .2s,border-color .2s,transform .2s;font-family:inherit}
.btn:active{transform:scale(.98)}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:#9c7817}
.btn-dark{background:var(--navy);color:#fff}.btn-dark:hover{background:var(--navy-2)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.14)}

/* nav */
.nav-wrap{position:sticky;top:0;z-index:100;padding:14px 16px 0;background:linear-gradient(var(--bg) 60%,transparent)}
.nav{max-width:var(--max);margin:auto;background:var(--surface);border-radius:999px;box-shadow:var(--shadow);display:flex;align-items:center;justify-content:space-between;padding:10px 12px 10px 24px;position:relative}
.brand{text-decoration:none}
.logo{display:inline-flex;align-items:center;gap:10px;color:var(--navy);line-height:1}
.logo-mark{height:38px;width:auto}
.logo-word{font-size:1.65rem;font-weight:300;color:var(--gold);letter-spacing:-.01em}
.logo-word b{font-weight:700;color:var(--navy)}
.logo-sm .logo-mark{height:30px}.logo-sm .logo-word{font-size:1.3rem}
.links{list-style:none;display:flex;align-items:center;gap:28px;padding:0}
.links a{text-decoration:none;font-size:.92rem;color:var(--muted);font-weight:500}
.links a:hover{color:var(--navy)}
.links .btn{color:var(--navy)}.links .btn:hover{color:#fff}
.menu-btn{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.menu-btn span{position:absolute;left:11px;right:11px;height:2px;background:var(--navy);transition:transform .25s}
.menu-btn span:first-child{top:17px}.menu-btn span:last-child{top:25px}
.menu-btn[aria-expanded=true] span:first-child{transform:translateY(4px) rotate(45deg)}
.menu-btn[aria-expanded=true] span:last-child{transform:translateY(-4px) rotate(-45deg)}

/* hero */
.hero{max-width:var(--max);margin:12px auto 0;padding:0 16px}
.hero-card{position:relative;overflow:hidden;border-radius:28px;background:radial-gradient(120% 120% at 80% 0,var(--navy-2),var(--navy) 60%);color:#fff;padding:72px 48px 40px;min-height:600px;display:flex;flex-direction:column;justify-content:space-between;gap:48px}
.hero-bg{position:absolute;inset:0;overflow:hidden;pointer-events:none;z-index:0}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,32,60,.86) 0%,rgba(0,32,60,.5) 50%,rgba(0,32,60,.08) 100%);z-index:5}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:1}
.hero-video:not([data-ok]){opacity:0}
.hero-video[data-ok]{opacity:1}
.slide{position:absolute;inset:0;z-index:2;opacity:0;animation:cityfade 20s ease-in-out infinite}
.slide:nth-of-type(2){animation-delay:10s}
.slide img{width:100%;height:100%;object-fit:cover;object-position:100% 100%;animation:cityzoom 20s ease-in-out infinite;transform-origin:70% 80%}
.slide:nth-of-type(2) img{animation-delay:10s}
@keyframes cityfade{0%{opacity:0}8%{opacity:1}50%{opacity:1}58%{opacity:0}100%{opacity:0}}
@keyframes cityzoom{0%{transform:scale(1)}58%{transform:scale(1.07)}100%{transform:scale(1.07)}}
@media (prefers-reduced-motion:reduce){.slide{animation:none}.slide img{animation:none}.slide:first-of-type{opacity:1}.hero-video{display:none}}
@media (max-width:600px){.slide img{object-position:88% 100%}}

.hero-copy{position:relative;z-index:1;max-width:680px}
.eyebrow{color:var(--gold-2);font-weight:500;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem;margin-bottom:16px}
h1{font-size:clamp(2.2rem,5vw,3.9rem);line-height:1.1;font-weight:500;letter-spacing:-.01em}
.lead{margin:20px 0 28px;color:rgba(255,255,255,.82);max-width:540px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.hero-tiles{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tile{display:flex;flex-direction:column;gap:2px;padding:18px 20px;border:1px solid rgba(255,255,255,.22);border-radius:16px;background:rgba(255,255,255,.08);backdrop-filter:blur(8px);text-decoration:none;transition:background .2s}
.tile:hover{background:rgba(255,255,255,.16)}
.tile span{font-size:.85rem;color:rgba(255,255,255,.75)}

/* intro */
.intro{max-width:var(--max);margin:0 auto;padding:88px 16px 24px}
.statement{font-size:clamp(1.6rem,3.4vw,2.6rem);line-height:1.3;font-weight:500;max-width:1000px}
.statement i{font-style:normal;color:#9AA1AA}
.statement .gold{color:#9C7712}
.intro-row{display:flex;justify-content:space-between;gap:48px;margin-top:56px;flex-wrap:wrap}
.stats{display:flex;gap:48px;padding:0}
.stats dt{font-size:.85rem;color:var(--muted)}
.stats dd{font-size:clamp(2.2rem,4vw,3rem);font-weight:500;color:var(--navy);margin:0;font-variant-numeric:tabular-nums}
.intro-side{max-width:440px;display:flex;flex-direction:column;gap:18px;align-items:flex-start;color:var(--muted)}
.fine{font-size:.78rem;color:var(--muted);margin-top:28px}
.center{text-align:center}

/* sections */
.section{max-width:var(--max);margin:0 auto;padding:72px 16px}
.head{text-align:center;max-width:620px;margin:0 auto 44px}
.head h2,.contact h2{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:500;line-height:1.2;color:var(--navy)}
.head p{color:var(--muted);margin-top:10px}
.cards{display:grid;grid-template-columns:repeat(2,1fr);max-width:1000px;margin:auto;gap:18px;align-items:stretch}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px 24px;display:flex;flex-direction:column;gap:12px;transition:transform .25s,box-shadow .25s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card h3{font-size:1.25rem;font-weight:600;color:var(--navy)}
.card p{color:var(--muted);font-size:.92rem}
.card ul{list-style:none;padding:0;display:grid;gap:8px;font-size:.9rem;margin:6px 0 10px}
.card li{padding-left:24px;position:relative}
.card li::before{content:"";position:absolute;left:2px;top:.45em;width:10px;height:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.card .btn{margin-top:auto;justify-content:center}
.card.featured{background:var(--navy);color:#fff;border-color:var(--navy)}
.card.featured h3{color:#fff;font-size:1.6rem}
.card.featured p,.card.featured li{color:rgba(255,255,255,.85)}
.card.featured ul{grid-template-columns:1fr 1fr}

/* about */
.about{display:block;max-width:860px;margin:auto;background:var(--surface);border:1px solid var(--line);border-radius:28px;padding:20px;overflow:hidden}
.about-copy{display:grid;gap:14px;justify-items:start;padding:28px;color:var(--muted)}
.about-copy h2{font-size:clamp(2rem,4vw,3rem);font-weight:500;color:var(--navy);line-height:1.1}
.about-copy .eyebrow{color:var(--gold);margin:0}
.role{color:var(--gold);font-weight:500}
.about-copy .fine{margin:0}
.award{display:flex;align-items:center;gap:16px;padding:10px 20px 10px 10px;border:1px solid var(--line);border-radius:999px;background:var(--bg)}
.award img{width:84px;height:84px;object-fit:contain;flex:none}
.award strong{display:block;color:var(--navy);font-weight:600}
.award span{font-size:.85rem;color:var(--muted)}

/* calculator */
.calc{display:grid;grid-template-columns:1.2fr 1fr;gap:20px;max-width:960px;margin:auto}
.calc-form,.calc-result{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:32px}
.calc-result{background:var(--navy);color:#fff;display:flex;flex-direction:column;gap:14px;justify-content:center}
.calc-result p{color:rgba(255,255,255,.75);font-size:.9rem}
.big{font-size:clamp(2.4rem,5vw,3.4rem);font-weight:500;color:var(--gold-2);font-variant-numeric:tabular-nums;line-height:1.1}
.split{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:6px 0 10px}
.split div{background:rgba(255,255,255,.08);border-radius:12px;padding:12px 14px}
.split span{display:block;font-size:.78rem;color:rgba(255,255,255,.7)}
.split b{font-weight:500;font-variant-numeric:tabular-nums}
.field{display:grid;gap:8px;margin-bottom:20px}
.field label{font-size:.9rem;font-weight:500;display:flex;justify-content:space-between;color:var(--navy)}
output{color:var(--gold);font-weight:600}
input[type=range]{width:100%;accent-color:var(--gold);height:28px}
input:not([type=range]),select,textarea{font:inherit;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;min-height:44px;width:100%;color:var(--ink)}
input:not([type=range]):focus,select:focus,textarea:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px rgba(184,145,26,.25)}

/* lenders marquee */
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;width:max-content;animation:scroll 40s linear infinite}
.marquee:hover .track,.marquee:focus-within .track,.marquee.paused .track{animation-play-state:paused}
@keyframes scroll{to{transform:translateX(-50%)}}
.logo-chip{flex:none;width:200px;height:96px;margin-right:16px;background:var(--surface);border:1px solid var(--line);border-radius:16px;display:grid;place-items:center;font-weight:600;color:var(--navy);padding:14px 22px;text-align:center}
.logo-chip img{max-height:46px;max-width:100%}
.marquee-ctl{text-align:center;margin-top:16px}
.marquee-ctl button{font:inherit;font-size:.85rem;color:var(--muted);background:none;border:1px solid var(--line);border-radius:999px;padding:8px 16px;min-height:44px;cursor:pointer}
.marquee-ctl button:hover{color:var(--navy);border-color:var(--navy)}
@media (prefers-reduced-motion:reduce){.review[aria-hidden=true]{display:none}.track{animation:none;width:auto;flex-wrap:wrap;justify-content:center;gap:0}.logo-chip[aria-hidden=true]{display:none}.marquee{-webkit-mask-image:none;mask-image:none}.marquee-ctl{display:none}}

/* reviews */
.rev-track{animation-duration:120s}
.review{flex:none;width:380px;margin-right:18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:14px}
.stars{color:var(--gold);letter-spacing:3px}
.review blockquote{color:var(--ink)}
.review figcaption{color:var(--muted);font-size:.82rem;margin-top:auto}.review figcaption b{color:var(--navy);font-weight:600}

/* faq */
.acc{max-width:780px;margin:auto;display:grid;gap:12px}
details{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:0 22px}
summary{cursor:pointer;padding:18px 0;font-weight:500;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;min-height:44px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{padding-bottom:18px;color:var(--muted)}

/* contact */
.contact-grid{position:relative;overflow:hidden;display:grid;grid-template-columns:1fr 1.1fr;gap:40px;background:var(--navy);color:#fff;border-radius:28px;padding:48px}
.contact h2{color:#fff}
.contact-grid>div:not(.contact-bg),.contact-grid>form{position:relative;z-index:1}
.contact-bg{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden;background:radial-gradient(90% 80% at 100% 0%,rgba(27,79,138,.55),transparent 60%)}
.contact-bg::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:44px 44px;-webkit-mask-image:radial-gradient(75% 95% at 15% 90%,#000,transparent 75%);mask-image:radial-gradient(75% 95% at 15% 90%,#000,transparent 75%)}
.orb{position:absolute;border-radius:50%;filter:blur(70px)}
.o1{width:380px;height:380px;left:-90px;bottom:-140px;background:rgba(184,145,26,.45);animation:float1 16s ease-in-out infinite alternate}
.o2{width:420px;height:420px;right:12%;top:-200px;background:rgba(40,110,190,.35);animation:float2 20s ease-in-out infinite alternate}
@keyframes float1{to{transform:translate(120px,-50px) scale(1.15)}}
@keyframes float2{to{transform:translate(-140px,60px) scale(1.1)}}
.art{position:absolute;left:3%;bottom:0;width:min(46%,520px);height:auto;opacity:.6}
.art .line{stroke-dasharray:1;stroke-dashoffset:1}
.art .win{opacity:0}
.section.in .art .line{animation:draw 3.2s ease forwards}
.section.in .art .line:nth-of-type(2){animation-delay:.3s}
.section.in .art .line:nth-of-type(3){animation-delay:.6s}
.section.in .art .line:nth-of-type(4){animation-delay:.9s}
.section.in .art .win{animation:lights 2s ease 2.2s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes lights{to{opacity:.85}}
.dot{position:absolute;width:6px;height:6px;border-radius:50%;background:#D4AE45;opacity:.5;animation:rise 9s linear infinite}
.d1{left:12%;bottom:-10px}.d2{left:34%;bottom:-10px;animation-delay:3s;animation-duration:12s}
.d3{left:56%;bottom:-10px;animation-delay:6s;animation-duration:10s}.d4{left:76%;bottom:-10px;animation-delay:1.5s;animation-duration:13s}
@keyframes rise{0%{transform:translateY(0);opacity:0}15%{opacity:.6}100%{transform:translateY(-560px);opacity:0}}
@media (prefers-reduced-motion:reduce){.orb,.dot{animation:none}.dot{display:none}.art .line{stroke-dashoffset:0}.art .win{opacity:.85}.section.in .art .line,.section.in .art .win{animation:none}}
@media (max-width:1024px){.art{width:min(70%,420px);left:-6%;opacity:.35}}
.contact p{color:rgba(255,255,255,.8);margin-top:10px}
.details{list-style:none;padding:0;margin-top:28px;display:grid;gap:12px}
.details b{display:inline-block;width:64px;color:var(--gold-2);font-weight:500;vertical-align:top}
.details a{display:inline-block}
.enq{background:var(--surface);border-radius:var(--r);padding:28px;color:var(--ink)}
.enq .field{margin-bottom:14px}
.status{color:var(--navy)!important;margin-top:12px!important;font-size:.9rem}
.hp{position:absolute;left:-9999px;top:-9999px}
.hidden-frame{position:absolute;width:0;height:0;border:0;opacity:0;pointer-events:none}
.enq button[disabled]{opacity:.6;cursor:not-allowed}

.foot{max-width:var(--max);margin:0 auto;padding:40px 16px 56px;color:var(--muted);text-align:center;display:grid;gap:8px;justify-items:center}
.foot a{text-decoration:underline;text-underline-offset:3px}

/* motion */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important}
  .reveal{opacity:1;transform:none}
}

/* legal pages */
.legal{max-width:780px;margin:0 auto;padding:56px 16px 40px}
.legal h1{font-size:clamp(2rem,4vw,2.8rem);font-weight:500;color:var(--navy);line-height:1.15}
.legal .sub{color:var(--gold);font-weight:500;margin:6px 0 28px}
.legal h2{font-size:1.4rem;font-weight:600;color:var(--navy);margin:36px 0 10px}
.legal h3{font-size:1.05rem;font-weight:600;margin:20px 0 6px}
.legal p,.legal li{color:#34424f}
.legal p{margin:0 0 12px}
.legal ul{margin:0 0 14px;padding-left:22px;display:grid;gap:4px}
.legal a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}
.thanks{text-align:center;max-width:520px;padding-top:96px;padding-bottom:96px}
.thanks .eyebrow{color:var(--gold);font-weight:600;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem;margin-bottom:10px}
.thanks h1{margin-bottom:16px}
.thanks .contact-line{margin:4px 0}
.thanks .contact-line b{color:var(--navy);margin-right:6px}
.thanks .btn{margin-top:24px}

/* responsive */
@media (max-width:1024px){
  .calc,.contact-grid{grid-template-columns:1fr}
}
@media (max-width:820px){
  .menu-btn{display:block}
  .links{display:none;position:absolute;top:calc(100% + 8px);left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--surface);border-radius:20px;box-shadow:var(--shadow);padding:10px}
  .links.open{display:flex}
  .links a{display:block;padding:14px 16px}
  .cta-li{padding:6px}
  .links .btn{justify-content:center;width:100%}
  .hero-card{padding:48px 24px 24px;min-height:0}
  .hero-tiles{grid-template-columns:1fr}
  .contact-grid{padding:28px 20px}
  .about-copy{padding:12px 8px}
}
@media (max-width:600px){
  .cards{grid-template-columns:1fr}
  .card.featured ul{grid-template-columns:1fr}
  .stats{gap:24px;flex-wrap:wrap}
  .calc-form,.calc-result{padding:22px}
  .award{border-radius:24px}.award img{width:64px;height:64px}
}

.rev-marquee .track{align-items:stretch}
@media (max-width:600px){.review{width:300px}}