/* 109 — Neumorphic. One sage-grey material; everything is raised from or pressed into it. */
:root {
  --bg: #d3dad4;
  --bg-hi: #dde3de;
  --bg-lo: #c7cfc9;
  --ink: #26312a;
  --ink-2: #4f5d54;
  --ink-3: #6f7c73;
  --lite: rgba(255,255,255,.78);
  --dark: rgba(70,90,77,.34);
  --dark-2: rgba(70,90,77,.22);
  --display: "Sora", system-ui, sans-serif;
  --body: "Albert Sans", system-ui, sans-serif;
  --ease-out: cubic-bezier(0.23, 1, 0.32, 1);
  --raise: -9px -9px 18px var(--lite), 9px 9px 18px var(--dark);
  --raise-sm: -5px -5px 10px var(--lite), 5px 5px 10px var(--dark);
  --press: inset 6px 6px 12px var(--dark), inset -6px -6px 12px var(--lite);
  --press-sm: inset 3px 3px 6px var(--dark), inset -3px -3px 6px var(--lite);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 110px; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 400 17px/1.6 var(--body); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; }
p { margin: 0; }
h1, h2, h3 { margin: 0; font-family: var(--display); font-weight: 600; letter-spacing: -0.035em; line-height: 1.02; text-wrap: balance; }
:focus-visible { outline: 2px solid var(--ink); outline-offset: 4px; }
.skip { position: absolute; left: -9999px; top: 10px; z-index: 100; background: var(--ink); color: var(--bg); padding: 8px 12px; border-radius: 8px; }
.skip:focus { left: 12px; }

/* ---------- Material primitives ---------- */
.raised { background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); box-shadow: var(--raise); }
.well { background: var(--bg); box-shadow: var(--press); }

.key {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 15.5px/1 var(--body); color: var(--ink); text-decoration: none; cursor: pointer;
  padding: 14px 20px; border: 0; border-radius: 14px;
  background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo));
  box-shadow: var(--raise-sm);
  transition: box-shadow 180ms var(--ease-out), transform 180ms var(--ease-out), background 180ms ease, color 180ms ease;
}
.key:active, .key[aria-pressed="true"], .key[aria-selected="true"], .key.on {
  background: var(--bg);
  box-shadow: var(--press-sm);
  transform: translateY(1px);
}
@media (hover: hover) and (pointer: fine) { .key:hover { box-shadow: -6px -6px 12px var(--lite), 6px 6px 12px var(--dark); } .key:active, .key[aria-selected="true"]:hover, .key.on:hover { box-shadow: var(--press-sm); } }
.key-dark { background: linear-gradient(145deg, #34403a, #1f2923); color: #eef2ee; box-shadow: -5px -5px 10px var(--lite), 6px 6px 12px rgba(40,55,45,.45); }
.key-dark:active { background: #222c26; box-shadow: inset 3px 3px 7px rgba(0,0,0,.45), inset -2px -2px 5px rgba(255,255,255,.08); }
@media (hover: hover) and (pointer: fine) { .key-dark:hover { box-shadow: -6px -6px 12px var(--lite), 7px 7px 14px rgba(40,55,45,.5); } }
.key-lg { padding: 18px 26px; font-size: 16.5px; border-radius: 18px; }
.key.round { width: 52px; height: 52px; padding: 0; border-radius: 50%; font-size: 22px; font-weight: 500; }
.key.round.sm { width: 42px; height: 42px; font-size: 20px; }
.key.lg-round { width: 64px; height: 64px; font-size: 30px; flex: 0 0 auto; }

/* ---------- Nav ---------- */
.navwrap { position: sticky; top: 16px; z-index: 50; padding: 0 24px; }
.nav { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; gap: 16px; padding: 10px 10px 10px 12px; border-radius: 26px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; background: var(--bg); box-shadow: var(--press-sm); }
.brand-mark img { width: 28px; height: auto; }
.brand-name { font-family: var(--display); font-weight: 700; font-size: 19px; letter-spacing: -0.03em; }
.nav-links { margin-left: auto; display: flex; gap: 8px; }
.nav-links .key { padding: 11px 16px; font-size: 14.5px; border-radius: 12px; box-shadow: none; background: transparent; }
.nav-links .key.on { box-shadow: var(--press-sm); background: var(--bg); }
@media (hover: hover) and (pointer: fine) { .nav-links .key:hover { box-shadow: var(--raise-sm); background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); } .nav-links .key.on:hover { box-shadow: var(--press-sm); background: var(--bg); } }
.nav > .key-dark { padding: 13px 18px; font-size: 14.5px; }

/* ---------- Hero ---------- */
.hero { max-width: 1248px; margin: 0 auto; padding: 72px 24px 100px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 520px); gap: 64px; align-items: center; }
.eyebrow { font-weight: 500; color: var(--ink-2); margin-bottom: 22px; }
.hero h1 { font-size: clamp(56px, 6.6vw, 108px); font-weight: 700; letter-spacing: -0.055em; line-height: .95; max-width: 9ch;
  text-shadow: -1px -1px 0 rgba(255,255,255,.75), 2px 2px 3px rgba(70,90,77,.22); }
.lead { margin-top: 26px; font-size: 21px; line-height: 1.45; color: var(--ink-2); max-width: 30ch; }
.actions { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 36px; }
.chips { list-style: none; padding: 0; margin: 40px 0 0; display: flex; flex-wrap: wrap; gap: 14px; }
.chip { display: inline-block; padding: 10px 16px; border-radius: 999px; font-size: 14.5px; color: var(--ink-2); text-decoration: none; box-shadow: var(--press-sm); }
a.chip { text-decoration: underline; text-underline-offset: 3px; }

/* console / calculator */
.console { border-radius: 40px; padding: 34px 34px 28px; }
.console-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.console-head h2 { font-size: 22px; letter-spacing: -0.02em; }
.console-head p { font-size: 14.5px; color: var(--ink-3); }
.dial-zone { position: relative; display: flex; justify-content: center; padding: 28px 0 18px; }
.dial-groove { position: relative; width: 300px; height: 300px; border-radius: 50%; display: grid; place-items: center; }
.dial-arc { position: absolute; inset: 0; width: 100%; height: 100%; }
.arc-bg { fill: none; stroke: rgba(70,90,77,.12); stroke-width: 6; stroke-linecap: round; }
.arc-fg { fill: none; stroke: var(--ink); stroke-width: 6; stroke-linecap: round; }
.knob { -webkit-user-select: none; user-select: none; position: relative; width: 206px; height: 206px; border-radius: 50%; cursor: grab; touch-action: none; display: grid; place-items: center; transition: box-shadow 180ms var(--ease-out); }
.knob:active { cursor: grabbing; box-shadow: -5px -5px 12px var(--lite), 5px 5px 12px var(--dark); }
.knob:focus-visible { outline: 2px solid var(--ink); outline-offset: 8px; }
.knob-dimple { position: absolute; left: 50%; top: 50%; width: 16px; height: 16px; margin: -8px 0 0 -8px; border-radius: 50%; background: var(--bg); box-shadow: inset 2px 2px 4px var(--dark), inset -2px -2px 4px var(--lite); will-change: transform; }
.knob-read { display: flex; flex-direction: column; align-items: center; gap: 2px; pointer-events: none; }
.knob-label { font-size: 12.5px; color: var(--ink-3); font-weight: 500; }
.knob-read output { font-family: var(--display); font-weight: 600; font-size: 30px; letter-spacing: -0.04em; font-variant-numeric: tabular-nums; }
.fine-keys { position: absolute; bottom: 10px; left: 0; right: 0; display: flex; justify-content: space-between; pointer-events: none; }
.fine-keys .key { pointer-events: auto; }
.controls { display: grid; grid-template-columns: auto 1fr; gap: 20px 24px; align-items: end; margin-top: 10px; }
.ctl { border: 0; padding: 0; margin: 0; min-width: 0; }
.ctl-label { display: block; font-size: 13.5px; font-weight: 600; color: var(--ink-2); margin-bottom: 10px; padding: 0; }
.stepper { display: flex; align-items: center; gap: 10px; }
.rate-in { width: 78px; height: 46px; border: 0; border-radius: 12px; text-align: center; font: 600 18px/1 var(--display); color: var(--ink); letter-spacing: -0.02em; box-shadow: var(--press-sm); }
.rate-in:focus { outline: 2px solid var(--ink); outline-offset: 2px; }
.seg { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; padding: 5px; border-radius: 14px; box-shadow: var(--press-sm); }
.seg label { position: relative; }
.seg input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.seg span { display: grid; place-items: center; height: 36px; border-radius: 10px; font: 600 15px/1 var(--display); color: var(--ink-3); transition: box-shadow 180ms var(--ease-out), background 180ms ease, color 180ms ease; }
.seg input:checked + span { color: var(--ink); background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); box-shadow: -3px -3px 6px var(--lite), 3px 3px 6px var(--dark); }
.seg input:focus-visible + span { outline: 2px solid var(--ink); outline-offset: 1px; }
.readout { margin-top: 26px; border-radius: 22px; padding: 20px 24px; }
.ro-main { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.ro-main span { font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.ro-main output { font-family: var(--display); font-size: 40px; font-weight: 700; letter-spacing: -0.045em; font-variant-numeric: tabular-nums; }
.ro-sub { margin-top: 6px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: 14px; color: var(--ink-3); }
.ro-sub b { color: var(--ink); font-weight: 600; font-variant-numeric: tabular-nums; }
.fine { margin-top: 14px; font-size: 13px; color: var(--ink-3); line-height: 1.5; }

/* ---------- Stats ---------- */
.stats { max-width: 1248px; margin: 0 auto; padding: 20px 24px 60px; }
.stat-row { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 34px; }
.stat { aspect-ratio: 1; border-radius: 50%; display: grid; place-items: center; text-align: center; max-width: 250px; width: 100%; justify-self: center; }
.stat > div { width: 72%; aspect-ratio: 1; border-radius: 50%; display: flex; flex-direction: column; justify-content: center; align-items: center; gap: 4px; background: var(--bg); box-shadow: var(--press); }
.stat b { font-family: var(--display); font-weight: 700; font-size: clamp(34px, 3.4vw, 52px); letter-spacing: -0.05em; line-height: 1; }
.stat span { font-size: 14px; color: var(--ink-2); max-width: 12ch; line-height: 1.3; }

/* ---------- Sections ---------- */
.section { max-width: 1248px; margin: 0 auto; padding: 110px 24px 0; }
.sec-head { display: flex; justify-content: space-between; align-items: end; gap: 20px 60px; flex-wrap: wrap; margin-bottom: 48px; }
.sec-head h2, .about h2, .lenders h2, .contact h2, .broker h2 { font-size: clamp(40px, 4.6vw, 70px); }
.sec-head p { max-width: 36ch; color: var(--ink-2); font-size: 18px; }
.prose p { font-size: 18px; line-height: 1.7; max-width: 60ch; color: var(--ink); margin-bottom: 16px; }

.about-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 72px; align-items: start; }
.about h2 { margin-bottom: 30px; }
.photo { margin: 0; padding: 14px; border-radius: 32px; }
.photo img { width: 100%; height: auto; aspect-ratio: 16 / 11; object-fit: cover; border-radius: 22px; filter: grayscale(.55) sepia(.12) hue-rotate(60deg) saturate(.8); }
.approach { margin-top: 30px; border-radius: 28px; padding: 30px 32px; }
.approach h3 { font-size: 26px; margin-bottom: 10px; }
.approach p { color: var(--ink-2); }

/* services */
.svc-board { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 40px; align-items: stretch; }
.svc-keys { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.svc-key { flex-direction: column; align-items: flex-start; justify-content: space-between; gap: 30px; padding: 24px 22px 22px; border-radius: 26px; min-height: 150px; text-align: left; font-size: 18px; font-family: var(--display); letter-spacing: -0.02em; }
.svc-key:last-child { grid-column: span 2; min-height: 120px; }
.svc-key .ico { width: 52px; height: 52px; border-radius: 16px; display: grid; place-items: center; background: var(--bg); box-shadow: var(--press-sm); transition: box-shadow 180ms var(--ease-out); }
.svc-key[aria-selected="true"] .ico { box-shadow: var(--raise-sm); background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); }
.svc-key svg { width: 26px; height: 26px; stroke-width: 1.6; filter: drop-shadow(1px 1px 0 rgba(255,255,255,.7)); }
.svc-panel { border-radius: 36px; padding: 44px 44px 40px; display: flex; flex-direction: column; gap: 18px; min-height: 100%; }
.svc-panel .big-ico { width: 88px; height: 88px; border-radius: 28px; display: grid; place-items: center; }
.svc-panel .big-ico svg { width: 44px; height: 44px; stroke-width: 1.4; }
.svc-panel h3 { font-size: clamp(34px, 3.4vw, 50px); }
.svc-panel p { font-size: 19px; line-height: 1.6; color: var(--ink-2); max-width: 36ch; }
.svc-panel .key { margin-top: auto; align-self: flex-start; }
.svc-panel > * { transition: opacity 200ms ease, transform 200ms var(--ease-out); }
.svc-panel.swap > * { opacity: 0; transform: translateY(6px); }

/* broker */
.broker-grid { display: grid; grid-template-columns: 340px minmax(0, 1fr); gap: 72px; align-items: start; }
.broker-id { display: flex; flex-direction: column; align-items: flex-start; gap: 14px; }
.avatar { width: 180px; height: 180px; border-radius: 50%; display: grid; place-items: center; margin-bottom: 18px; }
.avatar span { width: 138px; height: 138px; border-radius: 50%; display: grid; place-items: center; font: 700 52px/1 var(--display); letter-spacing: -0.06em; color: var(--ink); text-shadow: -1px -1px 1px rgba(255,255,255,.7), 2px 2px 3px rgba(70,90,77,.35); }
.role { color: var(--ink-2); font-size: 18px; }
.cols { columns: 2 280px; column-gap: 44px; padding-top: 10px; }
.cols p { break-inside: avoid; font-size: 17px; }

/* reviews */
.review-deck { display: flex; align-items: center; gap: 28px; }
.review { flex: 1; margin: 0; border-radius: 36px; padding: 52px 56px 46px; min-height: 300px; display: flex; flex-direction: column; justify-content: center; gap: 26px; }
.review blockquote { margin: 0; font-family: var(--display); font-weight: 400; font-size: clamp(20px, 2vw, 27px); line-height: 1.45; letter-spacing: -0.02em; }
.review figcaption { font-weight: 600; color: var(--ink-2); }
.review.swap { opacity: .0; }
.review { transition: opacity 200ms ease; }
.pips { display: flex; justify-content: center; gap: 12px; margin-top: 30px; }
.pip { width: 34px; height: 14px; border-radius: 8px; border: 0; padding: 0; cursor: pointer; background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); box-shadow: -3px -3px 6px var(--lite), 3px 3px 6px var(--dark); transition: box-shadow 180ms var(--ease-out); }
.pip[aria-selected="true"] { background: var(--bg); box-shadow: var(--press-sm); }

/* lenders */
.lender-grid { list-style: none; padding: 0; margin: 44px 0 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 26px; }
.lender-grid li { height: 104px; border-radius: 24px; display: grid; place-items: center; padding: 20px 24px; background: linear-gradient(145deg, var(--bg-hi), var(--bg-lo)); box-shadow: var(--raise-sm); }
.lender-grid .logo { width: 100%; height: 40px; background: var(--ink-2); -webkit-mask: var(--src) center / contain no-repeat; mask: var(--src) center / contain no-repeat; }

/* contact */
.contact { padding-bottom: 110px; }
.contact-card { border-radius: 44px; padding: 56px; display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 60px; }
.lead-sm { margin-top: 16px; font-size: 18px; color: var(--ink-2); }
.direct { margin: 40px 0 0; display: grid; gap: 18px; }
.direct dt { font-size: 13.5px; font-weight: 600; color: var(--ink-3); }
.direct dd { margin: 4px 0 0; font-size: 17.5px; }
.direct a { text-underline-offset: 3px; }
.form { display: grid; gap: 20px; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form label > span { display: block; font-size: 13.5px; font-weight: 600; color: var(--ink-2); margin: 0 0 8px 4px; }
.form input, .form textarea { width: 100%; border: 0; border-radius: 16px; padding: 15px 18px; font: 400 17px/1.4 var(--body); color: var(--ink); box-shadow: var(--press-sm); resize: vertical; }
.form input:focus, .form textarea:focus { outline: 2px solid var(--ink); outline-offset: 2px; }
.form [aria-invalid=true] { box-shadow: var(--press-sm), inset 0 0 0 2px #7a3b2e; }
.form .key { justify-self: start; }
.err { color: #7a3b2e; min-height: 1.3em; font-size: 15px; font-weight: 500; margin-bottom: -8px; }

/* footer */
.foot { padding: 0 24px 40px; }
.foot-inner { max-width: 1200px; margin: 0 auto; border-radius: 36px; padding: 44px 48px; display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 48px; }
.foot-name { display: flex; align-items: center; gap: 10px; font-family: var(--display); font-weight: 600; letter-spacing: -0.02em; }
.foot-name img { width: 30px; }
.social { list-style: none; padding: 0; margin: 16px 0 0; display: flex; gap: 16px; font-size: 14.5px; color: var(--ink-2); }
.legal { font-size: 14px; line-height: 1.6; max-width: 84ch; }
.disc { margin-top: 12px; font-size: 13px; line-height: 1.6; color: var(--ink-2); max-width: 84ch; }
.policies { margin-top: 18px; display: grid; gap: 8px; }
.policies summary { cursor: pointer; font-weight: 600; font-size: 15px; }
.policy-body { margin-top: 10px; max-height: 300px; overflow: auto; font-size: 13px; line-height: 1.6; color: var(--ink-2); padding-right: 10px; }
.policy-body h4 { margin: 12px 0 4px; font-size: 13.5px; color: var(--ink); }
.policy-body p { margin-bottom: 6px; }
.copy { margin-top: 20px; font-size: 13px; color: var(--ink-3); }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero { grid-template-columns: 1fr; gap: 56px; }
  .console { max-width: 560px; }
  .svc-board, .about-grid, .broker-grid, .contact-card { grid-template-columns: 1fr; gap: 44px; }
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .lender-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 760px) {
  :root { --raise: -6px -6px 12px var(--lite), 6px 6px 12px var(--dark); --press: inset 4px 4px 9px var(--dark), inset -4px -4px 9px var(--lite); }
  .navwrap { top: 10px; padding: 0 12px; }
  .nav-links { display: none; }
  .nav > .key-dark { margin-left: auto; }
  .brand-mark { width: 40px; height: 40px; }
  .hero { padding: 48px 16px 70px; }
  .hero h1 { font-size: clamp(50px, 15vw, 76px); }
  .lead { font-size: 18px; }
  .console { padding: 24px 18px 22px; border-radius: 30px; }
  .dial-groove { width: 264px; height: 264px; }
  .knob { width: 182px; height: 182px; }
  .knob-read output { font-size: 26px; }
  .controls { grid-template-columns: 1fr; }
  .seg span { height: 34px; font-size: 14px; }
  .ro-main output { font-size: 34px; }
  .stats { padding: 10px 16px 30px; }
  .stat-row { gap: 22px; }
  .stat b { font-size: 34px; }
  .stat span { font-size: 12.5px; }
  .section { padding: 84px 16px 0; }
  .svc-keys { gap: 16px; }
  .svc-key { min-height: 130px; padding: 18px 16px; font-size: 16.5px; border-radius: 22px; }
  .svc-panel { padding: 30px 24px; border-radius: 28px; }
  .review-deck { flex-wrap: wrap; justify-content: center; gap: 20px; }
  .review { order: -1; flex: 1 1 100%; padding: 32px 26px; border-radius: 28px; min-height: 0; }
  .lender-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .lender-grid li { height: 84px; border-radius: 20px; padding: 16px 18px; }
  .contact-card { padding: 30px 20px; border-radius: 30px; }
  .two { grid-template-columns: 1fr; }
  .contact { padding-bottom: 70px; }
  .foot { padding: 0 12px 24px; }
  .foot-inner { grid-template-columns: 1fr; padding: 30px 22px; gap: 26px; border-radius: 28px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 1ms !important; }
}

/* pool: without a calculator the console holds the business's mark and how to reach it */
.knob--mark { cursor: default; }
.knob--mark:active { cursor: default; box-shadow: var(--raise); }
.knob-mark { display: grid; place-items: center; width: 62%; aspect-ratio: 1; border-radius: 50%; background: var(--bg); box-shadow: var(--press); }
.knob-mark img { width: 58%; height: auto; }
.knob-initials { font: 700 52px/1 var(--display); letter-spacing: -0.06em; color: var(--ink); text-shadow: -1px -1px 1px rgba(255,255,255,.7), 2px 2px 3px rgba(70,90,77,.35); }
.console--contact .ro-main output a, .console--contact .ro-sub a { color: inherit; text-decoration: none; }
.console--contact .ro-main output { font-size: clamp(28px, 3vw, 40px); }
.console--contact .ro-sub { margin-top: 10px; }

/* pool: counts that vary by business */
@media (min-width: 1081px) {
  .stat-row { grid-template-columns: repeat(var(--n, 4), 1fr); }
  .lender-grid { grid-template-columns: repeat(var(--cols, 5), 1fr); max-width: calc(var(--cols, 5) * 230px); }
}

/* pool: the person's photo inside the pressed circle */
.avatar span { overflow: hidden; }
.avatar img { width: 100%; height: 100%; object-fit: cover; }
.contact-card:has(> .form[data-pool-off]) { grid-template-columns: 1fr; }