:root {
  --bg: #fbfbfd;
  --grey: #f5f5f7;
  --ink: #1d1d1f;
  --muted: #6e6e73;
  --line: #d2d2d7;
  --accent: #2f5d46;
  --dark: #111112;
  --radius: 28px;
  --sans: "Instrument Sans", -apple-system, BlinkMacSystemFont, "Helvetica Neue", sans-serif;
  --serif: "Instrument Serif", Georgia, serif;
  --max: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 64px; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
em { font-family: var(--serif); font-style: italic; font-weight: 400; letter-spacing: 0; }

/* ---------- Nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(251, 251, 253, 0.72);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s;
}
.nav.scrolled { border-bottom-color: rgba(0,0,0,.08); }
.nav-inner {
  max-width: var(--max); margin: 0 auto; padding: 0 22px;
  height: 52px; display: flex; align-items: center; justify-content: space-between;
}
.brand {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 17px; letter-spacing: -0.01em; text-decoration: none;
}
.brand svg { width: 20px; height: 20px; fill: var(--ink); }
.nav nav { display: flex; align-items: center; gap: 28px; }
.nav nav a { font-size: 13px; text-decoration: none; color: #424245; transition: color .2s; }
.nav nav a:hover { color: var(--ink); }
.nav nav .nav-cta {
  background: var(--ink); color: #fff; padding: 6px 14px; border-radius: 980px;
}
.nav nav .nav-cta:hover { color: #fff; background: #000; }

/* ---------- Type ---------- */
.eyebrow {
  font-size: 14px; font-weight: 600; letter-spacing: .02em; color: var(--accent);
  margin-bottom: 14px;
}
.eyebrow-light { color: #9cc7b1; }
h1 {
  font-size: clamp(44px, 7.4vw, 92px);
  line-height: 1.02; letter-spacing: -0.035em; font-weight: 600;
}
h1 em { color: var(--muted); }
h2 {
  font-size: clamp(34px, 5vw, 60px);
  line-height: 1.06; letter-spacing: -0.03em; font-weight: 600;
}
h3 { font-size: 24px; letter-spacing: -0.02em; font-weight: 600; line-height: 1.2; }
.lede {
  font-size: clamp(19px, 2vw, 24px); line-height: 1.4; color: var(--muted);
  max-width: 680px; margin: 26px auto 0; letter-spacing: -0.01em;
}
.lede-light { color: #a1a1a6; margin-left: 0; }
.muted { color: var(--muted); font-size: 19px; line-height: 1.5; margin-top: 20px; max-width: 460px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; border: 0; cursor: pointer; font: inherit; font-size: 17px; font-weight: 500;
  padding: 13px 26px; border-radius: 980px; text-decoration: none; transition: transform .2s, background .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: #000; }
.btn-light { background: #fff; color: var(--ink); }
.link-arrow { color: var(--accent); text-decoration: none; font-size: 17px; font-weight: 500; }
.link-arrow::after { content: " ›"; }
.link-arrow:hover { text-decoration: underline; }

/* ---------- Hero ---------- */
.hero { text-align: center; padding: 96px 22px 0; max-width: var(--max); margin: 0 auto; }
.hero-actions { display: flex; gap: 28px; justify-content: center; align-items: center; margin-top: 36px; flex-wrap: wrap; }
.hero-media {
  margin-top: 72px; border-radius: var(--radius); overflow: hidden;
  aspect-ratio: 16 / 8.2; background: var(--grey);
}
.hero-media img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Statement ---------- */
.statement { max-width: 980px; margin: 0 auto; padding: 140px 22px; }
.statement p {
  font-size: clamp(28px, 3.8vw, 46px); line-height: 1.18; letter-spacing: -0.025em; font-weight: 600; color: var(--ink);
}
.statement span { color: var(--muted); }

/* ---------- Sections ---------- */
.section { padding: 120px 22px; }
.section > * { max-width: var(--max); margin-left: auto; margin-right: auto; }
.section-grey { background: var(--grey); }
.section-dark { background: var(--dark); color: #f5f5f7; }
.section-head { text-align: center; margin-bottom: 64px; }
.section-head-left { text-align: left; margin-bottom: 0; }

/* ---------- Tiles ---------- */
.tiles { display: grid; gap: 20px; }
.tile {
  display: grid; grid-template-columns: 1fr 1.15fr; align-items: stretch;
  border-radius: var(--radius); overflow: hidden; min-height: 460px;
}
.tile:nth-child(2) { grid-template-columns: 1.15fr 1fr; }
.tile:nth-child(2) .tile-text { order: 2; }
.tile-light { background: var(--grey); }
.tile-dark { background: var(--dark); color: #f5f5f7; }
.tile-dark p { color: #a1a1a6; }
.tile-text { padding: 56px; display: flex; flex-direction: column; justify-content: center; }
.tile-text h3 { font-size: clamp(28px, 3vw, 40px); letter-spacing: -0.03em; margin-bottom: 16px; }
.tile-text p { color: var(--muted); font-size: 19px; max-width: 420px; }
.tile img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Steps ---------- */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.steps li { background: #fff; border-radius: 22px; padding: 36px 30px 40px; }
.step-num { display: block; font-family: var(--serif); font-size: 44px; color: var(--accent); line-height: 1; margin-bottom: 36px; }
.steps h3 { margin-bottom: 10px; }
.steps p { color: var(--muted); font-size: 16px; }

/* ---------- Standards ---------- */
.split { display: grid; grid-template-columns: 1fr 1.1fr; gap: 80px; align-items: start; }
.split h2 em { color: var(--muted); }
.checks { list-style: none; border-top: 1px solid var(--line); }
.checks li {
  display: grid; grid-template-columns: 28px 1fr; column-gap: 14px;
  padding: 22px 0; border-bottom: 1px solid var(--line);
}
.checks li::before {
  content: ""; grid-row: span 2; width: 22px; height: 22px; margin-top: 2px; border-radius: 50%;
  background: var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 12.5l3.2 3.2L17 9' fill='none' stroke='%23fff' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat;
}
.checks strong { font-weight: 600; font-size: 18px; }
.checks span { color: var(--muted); font-size: 16px; }

/* ---------- Lenders ---------- */
.lenders { max-width: 860px; }
.lenders h2 { color: #fff; }
.pill-list { list-style: none; display: flex; flex-wrap: wrap; gap: 10px; margin: 36px 0 44px; }
.pill-list li {
  border: 1px solid #3a3a3c; border-radius: 980px; padding: 9px 18px; font-size: 15px; color: #e8e8ed;
}

/* ---------- Contact ---------- */
.contact { text-align: center; }
.contact .lede { margin-bottom: 36px; }
.contact-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; max-width: 760px; margin: 72px auto 0; text-align: left; }
.contact-cards > div { background: var(--grey); border-radius: 22px; padding: 32px; }
.contact-cards dt { font-size: 13px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 8px; }
.contact-cards dd { font-size: 20px; line-height: 1.4; }
.contact-cards a { color: var(--accent); text-decoration: none; }
.contact-cards a:hover { text-decoration: underline; }

/* ---------- Footer ---------- */
.footer { background: var(--grey); padding: 48px 22px 32px; font-size: 13px; color: var(--muted); }
.footer-inner {
  max-width: var(--max); margin: 0 auto; display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap;
  padding-bottom: 28px; border-bottom: 1px solid var(--line);
}
.footer p { margin-top: 6px; }
.footer a { text-decoration: none; }
.footer a:hover { text-decoration: underline; }
.brand-small { font-size: 15px; color: var(--ink); }
.brand-small svg { width: 17px; height: 17px; }
.footer-links { display: flex; gap: 24px; flex-wrap: wrap; align-items: flex-start; }
.copyright { max-width: var(--max); margin: 20px auto 0; }

/* ---------- Motion ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .9s cubic-bezier(.2,.7,.2,1), transform .9s cubic-bezier(.2,.7,.2,1); }
.reveal.in { opacity: 1; transform: none; }
.hero .reveal:nth-child(2) { transition-delay: .08s; }
.hero .reveal:nth-child(3) { transition-delay: .16s; }
.hero .reveal:nth-child(4) { transition-delay: .24s; }
.hero .reveal:nth-child(5) { transition-delay: .32s; }
.steps li:nth-child(2) { transition-delay: .08s; }
.steps li:nth-child(3) { transition-delay: .16s; }
.steps li:nth-child(4) { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Legal page ---------- */
.legal { max-width: 760px; margin: 0 auto; padding: 96px 22px 120px; }
.legal h1 { font-size: clamp(40px, 6vw, 64px); margin-bottom: 12px; }
.legal .updated { color: var(--muted); margin-bottom: 48px; }
.legal h2 { font-size: 26px; letter-spacing: -0.02em; margin: 44px 0 12px; }
.legal p, .legal li { color: #424245; margin-bottom: 12px; }
.legal ul { padding-left: 22px; }
.legal a { color: var(--accent); }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; gap: 48px; }
  .tile, .tile:nth-child(2) { grid-template-columns: 1fr; min-height: 0; }
  .tile:nth-child(2) .tile-text { order: 0; }
  .tile img { aspect-ratio: 16 / 10; height: auto; }
  .tile-text { padding: 44px 32px; }
}
@media (max-width: 700px) {
  body { font-size: 16px; }
  .nav nav a:not(.nav-cta) { display: none; }
  .hero { padding-top: 64px; }
  .hero-media { margin-top: 48px; border-radius: 20px; aspect-ratio: 4 / 3; }
  .statement { padding: 96px 22px; }
  .section { padding: 88px 16px; }
  .steps { grid-template-columns: 1fr; }
  .contact-cards { grid-template-columns: 1fr; margin-top: 48px; }
  .tile { border-radius: 22px; }
  .tile-text { padding: 36px 24px; }
}