/* Secure Investors, LLC — shared styles */
:root {
  --navy: #12284c;
  --navy-deep: #0b1a33;
  --navy-soft: #1c3661;
  --gold: #b8923a;
  --gold-light: #d6b66a;
  --cream: #f7f4ec;
  --paper: #ffffff;
  --ink: #1d2433;
  --muted: #5b6577;
  --line: #e1dccb;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(11, 26, 51, 0.10);
  --serif: Georgia, "Times New Roman", Times, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy-soft); }
a:hover { color: var(--gold); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(2.1rem, 5vw, 3.3rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.3rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }

.container { width: min(1140px, 100% - 40px); margin-inline: auto; }
.narrow { width: min(820px, 100% - 40px); margin-inline: auto; }

.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--gold); color: #fff;
  padding: 10px 16px; z-index: 200; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--navy-deep); color: #d9deea; font-size: .9rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 8px 0; flex-wrap: wrap; }
.topbar a { color: var(--gold-light); text-decoration: none; font-weight: 600; }
.topbar a:hover { color: #fff; }

.site-header { background: var(--paper); border-bottom: 3px solid var(--gold); position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 12px rgba(11,26,51,.06); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; padding: 12px 0; gap: 20px; }

.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand svg { width: 44px; height: 44px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name { font-family: var(--serif); font-size: 1.35rem; font-weight: 700; letter-spacing: .02em; color: var(--navy); }
.brand-tag { font-size: .68rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-top: 4px; }

.nav { display: flex; align-items: center; gap: 6px; }
.nav a { text-decoration: none; color: var(--navy); font-weight: 600; font-size: .98rem; padding: 8px 14px; border-radius: 6px; }
.nav a:hover { background: var(--cream); color: var(--navy); }
.nav a[aria-current="page"] { color: var(--gold); box-shadow: inset 0 -3px 0 var(--gold); border-radius: 0; }
.nav .btn { margin-left: 8px; padding: 10px 20px; color: #fff; }
.nav .btn:hover { background: var(--gold); color: #fff; }

.nav-toggle { display: none; background: none; border: 2px solid var(--navy); color: var(--navy); border-radius: 8px; padding: 8px 12px; font-weight: 700; font-size: .95rem; cursor: pointer; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; background: var(--navy); color: #fff; text-decoration: none;
  padding: 14px 28px; border-radius: 8px; font-weight: 700; font-size: 1rem; border: 2px solid var(--navy);
  cursor: pointer; transition: background .2s, color .2s, transform .2s; font-family: var(--sans);
}
.btn:hover { background: var(--navy-soft); color: #fff; transform: translateY(-1px); }
.btn-gold { background: var(--gold); border-color: var(--gold); color: #fff; }
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); color: var(--navy-deep); }
.btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.7); }
.btn-outline:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

/* ---------- Hero ---------- */
.hero {
  position: relative; color: #fff; overflow: hidden;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-soft) 100%);
}
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 6px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}
.hero .container { position: relative; z-index: 2; padding: 90px 0 100px; display: grid; grid-template-columns: 1.25fr .75fr; gap: 50px; align-items: center; }
.hero h1 { color: #fff; }
.hero h1 span { color: var(--gold-light); }
.hero .eyebrow { color: var(--gold-light); }
.hero p.lead { font-size: 1.2rem; color: #dbe2f0; max-width: 34em; }
.hero-art { position: absolute; right: 0; bottom: 0; width: 60%; max-width: 760px; opacity: .16; z-index: 1; pointer-events: none; }
.eyebrow { text-transform: uppercase; letter-spacing: .2em; font-size: .78rem; font-weight: 700; color: var(--gold); margin-bottom: 14px; display: block; }

.hero-card { background: rgba(255,255,255,.07); border: 1px solid rgba(214,182,106,.45); border-radius: var(--radius); padding: 28px; backdrop-filter: blur(3px); }
.hero-card h2 { color: #fff; font-size: 1.25rem; margin-bottom: 16px; }
.hero-card ul { list-style: none; margin: 0; padding: 0; }
.hero-card li { display: flex; justify-content: space-between; gap: 14px; padding: 11px 0; border-bottom: 1px solid rgba(255,255,255,.15); font-size: .98rem; color: #dbe2f0; }
.hero-card li:last-child { border-bottom: none; }
.hero-card li strong { color: var(--gold-light); text-align: right; font-family: var(--serif); font-size: 1.05rem; }

.page-hero { background: linear-gradient(135deg, var(--navy-deep), var(--navy)); color: #fff; padding: 64px 0 60px; border-bottom: 5px solid var(--gold); }
.page-hero h1 { color: #fff; margin-bottom: .3em; }
.page-hero p { color: #dbe2f0; font-size: 1.15rem; max-width: 40em; margin: 0; }
.page-hero .eyebrow { color: var(--gold-light); }

/* ---------- Sections ---------- */
section { padding: 78px 0; }
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); color: #dbe2f0; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.bg-navy .section-head p { color: #c9d2e5; }

.stats { background: var(--paper); border-bottom: 1px solid var(--line); padding: 0; }
.stats .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 34px 20px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: none; }
.stat b { display: block; font-family: var(--serif); font-size: 2rem; color: var(--navy); line-height: 1.1; }
.stat span { font-size: .92rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }

.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card .icon { width: 52px; height: 52px; border-radius: 50%; background: var(--cream); display: grid; place-items: center; margin-bottom: 18px; color: var(--navy); }
.card .icon svg { width: 26px; height: 26px; }
.bg-cream .card { background: #fff; }

.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding: 7px 0 7px 34px; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 12px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
}
.x-list { list-style: none; padding: 0; margin: 0; }
.x-list li { position: relative; padding: 7px 0 7px 34px; }
.x-list li::before {
  content: ""; position: absolute; left: 0; top: 12px; width: 20px; height: 20px; border-radius: 50%;
  background: #8a2f2f url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M6.5 6.5l7 7M13.5 6.5l-7 7' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat;
}

/* Steps */
.steps { counter-reset: step; display: grid; gap: 22px; }
.step { display: grid; grid-template-columns: 64px 1fr; gap: 22px; align-items: start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.step::before {
  counter-increment: step; content: counter(step);
  width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: var(--gold-light);
  font-family: var(--serif); font-size: 1.6rem; font-weight: 700; display: grid; place-items: center; border: 3px solid var(--gold);
}
.step h3 { margin-bottom: .25em; }
.step p { margin: 0; color: var(--muted); }

.mini-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: ms; }
.mini-step { text-align: center; padding: 8px; }
.mini-step::before {
  counter-increment: ms; content: counter(ms); width: 54px; height: 54px; margin: 0 auto 14px; border-radius: 50%;
  background: var(--navy); color: var(--gold-light); border: 3px solid var(--gold); display: grid; place-items: center; font-family: var(--serif); font-size: 1.5rem; font-weight: 700;
}
.mini-step h3 { font-size: 1.1rem; margin-bottom: .3em; }
.mini-step p { color: var(--muted); font-size: .95rem; margin: 0; }

/* Terms table */
.terms { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--line); }
.terms th, .terms td { text-align: left; padding: 16px 22px; border-bottom: 1px solid var(--line); vertical-align: top; }
.terms tr:last-child th, .terms tr:last-child td { border-bottom: none; }
.terms th { width: 34%; background: var(--navy); color: #fff; font-family: var(--serif); font-weight: 700; font-size: 1.02rem; }
.terms tr:nth-child(even) td { background: #fbfaf5; }

.notice { background: #fff8e6; border-left: 5px solid var(--gold); padding: 20px 24px; border-radius: 0 var(--radius) var(--radius) 0; }
.notice p:last-child { margin: 0; }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 14px; box-shadow: 0 4px 14px rgba(11,26,51,.05); }
.faq summary { cursor: pointer; list-style: none; padding: 20px 56px 20px 24px; font-family: var(--serif); font-size: 1.12rem; font-weight: 700; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.6rem; color: var(--gold); font-family: var(--sans); }
.faq details[open] summary::after { content: "\2212"; }
.faq details[open] summary { border-bottom: 1px solid var(--line); }
.faq .answer { padding: 18px 24px 8px; color: var(--ink); }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--navy-deep), var(--navy)); color: #fff; text-align: center; padding: 70px 0; border-top: 5px solid var(--gold); }
.cta-band h2 { color: #fff; }
.cta-band p { color: #dbe2f0; max-width: 36em; margin-inline: auto; font-size: 1.1rem; }
.cta-band .btn-row { justify-content: center; }

/* Areas */
.areas { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.area { text-align: center; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 20px; box-shadow: var(--shadow); }
.area b { font-family: var(--serif); font-size: 1.6rem; color: var(--navy); display: block; }
.area span { color: var(--muted); font-size: .95rem; }

/* Form */
.contact-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 44px; align-items: start; }
.contact-card { background: var(--navy); color: #dbe2f0; border-radius: var(--radius); padding: 34px; border-top: 5px solid var(--gold); box-shadow: var(--shadow); }
.contact-card h2, .contact-card h3 { color: #fff; }
.contact-card a { color: var(--gold-light); font-weight: 600; text-decoration: none; }
.contact-card a:hover { color: #fff; }
.contact-card dl { margin: 0; }
.contact-card dt { text-transform: uppercase; letter-spacing: .14em; font-size: .75rem; color: var(--gold-light); font-weight: 700; margin-top: 18px; }
.contact-card dd { margin: 4px 0 0; font-size: 1.08rem; }

form.loan-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px 20px; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-weight: 600; font-size: .92rem; color: var(--navy); margin-bottom: 6px; }
label .opt { color: var(--muted); font-weight: 400; }
input, select, textarea {
  width: 100%; font: inherit; padding: 12px 14px; border: 1.5px solid #cfc8b2; border-radius: 8px; background: #fdfcf9; color: var(--ink);
}
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(184,146,58,.4); border-color: var(--gold); }
textarea { min-height: 120px; resize: vertical; }
.form-note { font-size: .88rem; color: var(--muted); margin-top: 14px; }
.honeypot { position: absolute; left: -9999px; height: 0; overflow: hidden; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #b9c3d8; padding: 60px 0 0; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr 1fr; gap: 44px; padding-bottom: 40px; }
.site-footer h4 { color: #fff; font-size: 1.05rem; margin-bottom: 14px; }
.site-footer a { color: var(--gold-light); text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { padding: 4px 0; }
.site-footer .brand-name { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0 28px; font-size: .82rem; color: #8f9bb5; }
.footer-bottom p { margin: 0 0 10px; }

.thanks { text-align: center; padding: 110px 0; }
.thanks .badge { width: 84px; height: 84px; border-radius: 50%; background: var(--gold); margin: 0 auto 26px; display: grid; place-items: center; }
.thanks .badge svg { width: 44px; height: 44px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; padding: 64px 0 76px; }
  .hero-art { width: 100%; opacity: .1; }
  .grid-3, .grid-4, .areas { grid-template-columns: repeat(2, 1fr); }
  .stats .container { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .mini-steps { grid-template-columns: repeat(2, 1fr); }
  .contact-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; background: #fff; padding: 12px 20px 20px; border-bottom: 3px solid var(--gold); box-shadow: 0 14px 24px rgba(11,26,51,.12); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 10px; border-bottom: 1px solid var(--line); }
  .nav a[aria-current="page"] { box-shadow: none; }
  .nav .btn { margin: 14px 0 0; text-align: center; border-bottom: 2px solid var(--navy); }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  section { padding: 56px 0; }
  .grid-2, .grid-3, .grid-4, .areas, .mini-steps, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .stat b { font-size: 1.6rem; }
  .step { grid-template-columns: 1fr; gap: 14px; }
  .terms th, .terms td { display: block; width: 100%; padding: 12px 18px; }
  .terms th { border-bottom: none; }
  .topbar .container { justify-content: center; text-align: center; }
  .brand-name { font-size: 1.12rem; }
  .brand svg { width: 38px; height: 38px; }
  form.loan-form, .contact-card { padding: 24px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}