/* Retaja Capital — Home
   Design: "the well-dressed corporate banker" — navy suit, white herringbone shirt,
   red power tie, silver cufflinks, belt with buckle, polished black shoes.
   Built from the Figma frame "Retaja Capital — Home V3 (Inter, final copy)", 1440px desktop. */

:root {
  --navy-900: #0B1C36;
  --navy-800: #12284A;
  --navy-600: #2A4670;
  --navy-100: #E8EDF4;
  --red-600: #A6192E;
  --red-700: #861325;
  --ink: #16181D;
  --slate: #4A5565;
  --line: #D9DEE6;
  --paper: #F6F7F9;
  --white: #FFFFFF;
  --silver: #A9B0BA;
  --black: #0D0F12;

  --font: "Inter", -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --gutter: 80px;
  --sidebar: 300px;
  --gap: 48px;
  --radius: 3px;
  --ease: cubic-bezier(.2, .7, .2, 1);

  /* Herringbone shirt texture (navy on white, white on navy) */
  --herring-navy: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='36' height='18'%3E%3Cpath d='M0 18L18 0M0 9L9 0M9 18L18 9M18 0L36 18M18 9L27 18M27 0L36 9' stroke='%230B1C36' stroke-opacity='.05' fill='none'/%3E%3C/svg%3E");
  --herring-white: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='36' height='18'%3E%3Cpath d='M0 18L18 0M0 9L9 0M9 18L18 9M18 0L36 18M18 9L27 18M27 0L36 9' stroke='%23FFFFFF' stroke-opacity='.05' fill='none'/%3E%3C/svg%3E");
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4, p, ul, ol, blockquote { margin: 0; }
ul, ol { padding: 0; list-style: none; }
:focus-visible { outline: 2px solid var(--red-600); outline-offset: 3px; }

.wrap { max-width: 1440px; margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }

/* ---------- Buttons & links ---------- */
.btn {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  font-weight: 600; font-size: 15px; letter-spacing: .02em; line-height: 1;
  padding: 14px 22px; border-radius: 4px; overflow: hidden; white-space: nowrap;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-color .25s var(--ease);
}
.btn--primary { background: var(--red-600); color: var(--white); }
.btn--primary::after {               /* silk sheen across the tie */
  content: ""; position: absolute; inset: 0; transform: translateX(-120%) skewX(-20deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.28), transparent);
  transition: transform .7s var(--ease);
}
.btn--primary:hover { background: var(--red-700); transform: translateY(-2px); box-shadow: 0 10px 22px -10px rgba(166,25,46,.7); }
.btn--primary:hover::after { transform: translateX(120%) skewX(-20deg); }
.btn--path {
  background: var(--navy-900); color: var(--white); padding: 14px 26px;
  border: 1px solid rgba(255,255,255,.25);
}
.btn--path:hover { background: var(--navy-600); transform: translateY(-2px); box-shadow: 0 10px 20px -12px rgba(11,28,54,.8); }

.link {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 700; font-size: 14px; letter-spacing: .02em; color: var(--red-600);
}
.link::before {                     /* cufflink */
  content: ""; width: 7px; height: 7px; border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, #fff 0 18%, var(--silver) 45%, #7d8591 100%);
  box-shadow: 0 0 0 1px var(--navy-800);
}
.link::after { content: "→"; transition: transform .3s var(--ease); }
.link:hover::after { transform: translateX(5px); }

.eyebrow {
  display: flex; align-items: center; gap: 10px;
  font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--red-600);
}
.eyebrow::before { content: ""; width: 24px; height: 2px; background: var(--red-600); transform-origin: left; }
.eyebrow--silver { color: var(--silver); }
.eyebrow--navy { color: var(--navy-800); }

/* ---------- Utility bar ---------- */
.utility { background: var(--navy-900); color: rgba(255,255,255,.72); font-size: 12px; font-weight: 500; letter-spacing: .02em; }
.utility__inner { display: flex; justify-content: space-between; align-items: center; padding-top: 9px; padding-bottom: 9px; gap: 24px; }
.utility span { margin: 0 8px; }
.utility nav { display: flex; gap: 24px; }
.utility a { transition: color .2s; }
.utility a:hover { color: var(--white); }
.utility .strong { color: var(--white); font-weight: 700; }

/* ---------- Header ---------- */
.header { background: var(--white) var(--herring-navy); position: relative; }
.header__inner { display: flex; align-items: center; justify-content: space-between; padding-top: 24px; padding-bottom: 24px; gap: 32px; }
.logo { display: flex; align-items: center; gap: 12px; }
.logo__mark {
  width: 46px; height: 46px; display: grid; place-items: center; border-radius: 2px;
  background: var(--navy-900); color: var(--white); font-weight: 700; font-size: 28px;
}
.logo__word { display: flex; flex-direction: column; gap: 2px; line-height: 1; }
.logo__word strong { font-size: 22px; letter-spacing: .12em; color: var(--navy-900); }
.logo__word small { font-size: 11px; font-weight: 600; letter-spacing: .38em; color: var(--slate); }
.paths { display: flex; flex-direction: column; align-items: center; gap: 12px; }
.paths__buttons { display: flex; gap: 12px; }
.tagline { display: flex; align-items: center; gap: 14px; font-size: 13px; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--navy-900); }
.tagline i { width: 5px; height: 5px; border-radius: 50%; background: var(--red-600); }
.header__contact { display: flex; align-items: center; gap: 20px; }
.phone { display: flex; flex-direction: column; align-items: flex-end; gap: 2px; }
.phone small { font-size: 11px; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; color: var(--slate); }
.phone a { font-size: 20px; font-weight: 700; color: var(--navy-900); }

/* ---------- Belt (nav) ---------- */
.belt { background: var(--navy-900); border-top: 3px solid var(--red-600); position: sticky; top: 0; z-index: 50; transition: box-shadow .3s; }
.belt.is-stuck { box-shadow: 0 8px 24px -12px rgba(0,0,0,.5); }
.belt__inner { display: flex; justify-content: space-between; align-items: flex-end; }
.nav { display: flex; align-items: center; gap: 30px; padding: 16px 0; }
.buckle { width: 14px; height: 10px; border: 1.5px solid var(--silver); border-radius: 1px; }
.nav > a { position: relative; font-size: 13px; font-weight: 500; color: rgba(255,255,255,.75); transition: color .2s; }
.nav > a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; background: var(--red-600);
  transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease);
}
.nav > a:hover, .nav > a.is-active { color: var(--white); }
.nav > a.is-active { font-weight: 600; }
.nav > a:hover::after, .nav > a.is-active::after { transform: scaleX(1); }
.niche-tab {
  width: var(--sidebar); background: var(--paper); border-radius: 3px 3px 0 0;
  padding: 14px 24px 12px; display: flex; flex-direction: column; gap: 2px;
}
.niche-tab strong { font-size: 20px; color: var(--navy-900); }
.niche-tab small { font-size: 11px; font-weight: 500; letter-spacing: .04em; text-transform: uppercase; color: var(--slate); }

/* ---------- Body layout ---------- */
.body { display: grid; grid-template-columns: minmax(0, 1fr) var(--sidebar); gap: var(--gap); align-items: stretch; }
.main { padding: 40px 0 80px; display: flex; flex-direction: column; gap: 72px; min-width: 0; }

/* ---------- Hero ---------- */
.hero { display: grid; grid-template-columns: minmax(0, 1fr) 372px; background: var(--navy-900); border-radius: var(--radius); overflow: hidden; }
.hero__copy { position: relative; padding: 52px 40px 52px 48px; display: flex; flex-direction: column; gap: 22px; }
.hero__copy::before { content: ""; position: absolute; inset: 0; background: var(--herring-white); pointer-events: none; }
.hero h1 { position: relative; font-size: 46px; line-height: 54px; letter-spacing: -.015em; font-weight: 700; color: var(--white); max-width: 440px; }
.criteria { position: relative; display: flex; flex-direction: column; gap: 14px; }
.criteria li { display: flex; align-items: center; gap: 14px; font-size: 16px; line-height: 24px; font-weight: 500; color: rgba(255,255,255,.9); }
.cuff-num {
  flex: none; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center;
  border: 1.5px solid var(--silver); font-size: 14px; font-weight: 700; color: var(--white);
}
.hero__actions { position: relative; display: flex; align-items: center; gap: 20px; padding-top: 8px; font-size: 14px; font-weight: 500; color: rgba(255,255,255,.75); }
.hero__actions span a { color: var(--white); }
.hero__photo { position: relative; overflow: hidden; }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Trust strip ---------- */
.trust { display: flex; justify-content: space-between; padding: 4px 0 28px; border-bottom: 1px solid var(--line); }
.stat { display: flex; flex-direction: column; gap: 4px; }
.stat strong { font-size: 28px; line-height: 34px; font-weight: 700; color: var(--navy-900); letter-spacing: -.01em; font-variant-numeric: tabular-nums; }
.stat span { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); }

/* ---------- DSCR ---------- */
.dscr { display: flex; align-items: center; gap: 32px; padding: 32px 36px; background: var(--paper); border-radius: var(--radius); }
.burst { position: relative; flex: none; width: 112px; height: 112px; display: grid; place-items: center; color: var(--white); text-align: center; }
.burst svg { position: absolute; inset: 0; width: 100%; height: 100%; fill: var(--red-600); animation: spin 60s linear infinite; }
.burst span { position: relative; display: flex; flex-direction: column; line-height: 1; }
.burst strong { font-size: 26px; }
.burst small { font-size: 10px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-top: 4px; }
.dscr:hover .burst svg { animation-duration: 12s; }
.dscr__copy { flex: 1; display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.dscr h2 { font-size: 28px; line-height: 34px; letter-spacing: -.01em; color: var(--navy-900); max-width: 470px; }
.dscr__copy > p:last-child { font-size: 16px; line-height: 24px; color: var(--slate); }
.dscr__actions { display: flex; flex-direction: column; align-items: center; gap: 12px; }

/* ---------- Core loans ---------- */
.core { display: flex; flex-direction: column; gap: 28px; }
.core h2, .advisor h2 { margin-top: 10px; font-size: 34px; line-height: 40px; letter-spacing: -.01em; color: var(--navy-900); }
.cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px; }
.card { position: relative; padding-top: 20px; display: flex; flex-direction: column; gap: 14px; }
.card::before, .card::after { content: ""; position: absolute; top: 0; left: 0; height: 2px; }
.card::before { right: 0; background: var(--navy-900); }
.card::after { width: 0; background: var(--red-600); transition: width .5s var(--ease); }
.card:hover::after { width: 100%; }
.card h3 { font-size: 24px; line-height: 30px; color: var(--navy-900); }
.card p { font-size: 15px; line-height: 23px; color: var(--slate); flex: 1; }

/* ---------- Large bridge ---------- */
.bridge { display: grid; grid-template-columns: 340px minmax(0, 1fr); background: var(--navy-900); border-radius: var(--radius); overflow: hidden; }
.bridge__photo { overflow: hidden; }
.bridge__photo img { width: 100%; height: 115%; object-fit: cover; will-change: transform; }
.bridge__copy { padding: 48px 44px; display: flex; flex-direction: column; gap: 18px; align-items: flex-start; }
.bridge h2 { font-size: 36px; line-height: 42px; letter-spacing: -.01em; color: var(--white); max-width: 460px; }
.bridge__copy > p:not(.eyebrow):not(.tags) { font-size: 16px; line-height: 25px; color: rgba(255,255,255,.82); max-width: 460px; }
.bridge .tags { font-size: 13px; font-weight: 600; line-height: 20px; color: var(--silver); }
.bridge .tags span { margin: 0 6px; }
.bridge .btn { margin-top: 8px; }

/* ---------- Advisor ---------- */
.advisor { display: flex; flex-direction: column; gap: 36px; }
.advisor__top { display: flex; gap: 40px; align-items: center; }
.creds {
  flex: none; width: 240px; background: var(--navy-900); border-radius: var(--radius);
  padding: 28px 26px; display: flex; flex-direction: column; gap: 12px; color: var(--white);
}
.creds__mono {
  width: 56px; height: 56px; border-radius: 50%; border: 1.5px solid var(--silver);
  display: grid; place-items: center; font-weight: 700; font-size: 18px;
}
.creds strong { font-size: 20px; }
.creds small { font-size: 13px; font-weight: 500; color: var(--silver); }
.rule { width: 32px; height: 2px; background: var(--red-600); }
.creds ul { display: flex; flex-direction: column; gap: 8px; }
.creds li { font-size: 13px; font-weight: 500; color: rgba(255,255,255,.85); }
.creds li::before { content: "✓"; margin-right: 8px; }
.advisor__copy { display: flex; flex-direction: column; gap: 18px; }
.advisor blockquote { font-size: 20px; line-height: 30px; font-weight: 600; color: var(--navy-800); max-width: 520px; }
.advisor__name { font-size: 14px; font-weight: 700; color: var(--ink); }
.advisor__ids { font-size: 12px; font-weight: 500; letter-spacing: .04em; color: var(--slate); }
.advisor__ids span { margin: 0 8px; }
.deals { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px; }
.deal { border-left: 2px solid var(--red-600); padding: 4px 0 4px 20px; display: flex; flex-direction: column; gap: 12px; transition: border-color .3s, transform .3s var(--ease); }
.deal:hover { transform: translateX(4px); border-color: var(--navy-900); }
.deal span { font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--red-600); }
.deal p { font-size: 17px; line-height: 25px; font-weight: 600; color: var(--navy-900); }
.deal small { font-size: 13px; font-weight: 600; color: var(--slate); }

/* ---------- Sidebar ---------- */
.sidebar { background: var(--paper); padding: 12px 16px 40px 24px; }
.niche li a {
  display: flex; align-items: center; gap: 10px; padding: 7px 0;
  border-bottom: 1px solid var(--line); font-size: 14px; line-height: 20px; color: var(--ink);
  transition: color .2s, padding-left .3s var(--ease);
}
.niche li a::before { content: ""; flex: none; width: 6px; height: 6px; background: var(--red-600); transition: width .3s var(--ease); }
.niche li a:hover { color: var(--red-600); padding-left: 4px; }
.niche li a:hover::before { width: 14px; height: 2px; }
.sidebar > .link { margin-top: 18px; }

/* ---------- Contact strip ---------- */
.cta { background: var(--navy-800); color: var(--white); }
.cta__inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; padding-top: 40px; padding-bottom: 40px; }
.cta h2 { font-size: 30px; line-height: 36px; letter-spacing: -.01em; }
.cta p { margin-top: 6px; font-size: 15px; color: rgba(255,255,255,.78); }
.cta__actions { display: flex; align-items: center; gap: 24px; }
.cta__phone { font-size: 24px; font-weight: 700; }

/* ---------- Footer: polished shoes ---------- */
.footer {
  color: var(--silver);
  background: linear-gradient(180deg, #1E2126 0%, var(--black) 35%, var(--black) 100%);
  border-top: 1px solid rgba(255,255,255,.18);
  padding: 56px 0 32px; position: relative; overflow: hidden;
}
.footer::before {                    /* the high polish: a slow highlight across the toe */
  content: ""; position: absolute; top: 0; left: -40%; width: 40%; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.55), transparent);
  animation: polish 7s var(--ease) infinite;
}
.footer__cols { display: grid; grid-template-columns: minmax(0, 1fr) 180px 180px 180px; gap: 64px; }
.footer__brand strong { display: block; font-size: 22px; letter-spacing: .08em; color: var(--white); }
.footer__brand p { margin-top: 14px; font-size: 14px; line-height: 22px; max-width: 320px; }
.footer h4 { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--white); margin-bottom: 4px; }
.footer__cols > div:not(.footer__brand) { display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.footer a { transition: color .2s; }
.footer a:hover { color: var(--white); }
.toe-cap { border: 0; height: 1px; background: rgba(169,176,186,.35); margin: 36px 0; }
.legal { font-size: 12px; line-height: 18px; color: rgba(169,176,186,.8); }

/* ---------- Motion ---------- */
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes polish { 0% { left: -40%; } 60%, 100% { left: 110%; } }
@keyframes drop { from { opacity: 0; transform: translateY(-14px); } to { opacity: 1; transform: none; } }
@keyframes rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }
@keyframes unveil { from { clip-path: inset(0 0 0 100%); } to { clip-path: inset(0 0 0 0); } }
@keyframes settle { from { transform: scale(1.12); } to { transform: scale(1); } }
@keyframes grow { from { transform: scaleX(0); } to { transform: scaleX(1); } }

.js [data-anim="drop"] { animation: drop .7s var(--ease) both; }
.js [data-anim="rise"] { animation: rise .8s var(--ease) both; animation-delay: var(--d, 0s); }
.js .hero__photo { animation: unveil 1.1s .35s var(--ease) both; }
.js .hero__photo img { animation: settle 2.4s .35s var(--ease) both; }
.js .eyebrow::before { animation: grow .8s .5s var(--ease) both; }

.js [data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0s); }
.js [data-reveal].is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .js [data-reveal] { opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1280px) {
  :root { --gutter: 48px; --sidebar: 260px; --gap: 36px; }
  .niche-tab { width: var(--sidebar); }
  .paths__buttons .btn { padding: 12px 18px; }
  .nav { gap: 22px; }
}
@media (max-width: 1100px) {
  .header__inner { flex-wrap: wrap; justify-content: center; }
  .body { grid-template-columns: 1fr; }
  .belt__inner { flex-direction: column; align-items: stretch; }
  .nav { flex-wrap: wrap; justify-content: center; }
  .niche-tab { width: auto; border-radius: 0; text-align: center; }
  .sidebar { margin: 0 calc(var(--gutter) * -1); padding: 12px var(--gutter) 40px; }
  .niche { columns: 2; column-gap: 32px; }
  .hero { grid-template-columns: 1fr 300px; }
  .cards, .deals { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer__cols { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 760px) {
  :root { --gutter: 20px; }
  .utility p { display: none; }
  .utility__inner { justify-content: center; }
  .utility nav { gap: 16px; }
  .header__contact .phone { display: none; }
  .paths { order: 3; width: 100%; }
  .paths__buttons { width: 100%; }
  .paths__buttons .btn { flex: 1; padding: 12px 8px; font-size: 13px; }
  .tagline { gap: 8px; font-size: 11px; letter-spacing: .1em; }
  .nav { gap: 16px; padding: 12px 0; }
  .nav .buckle { display: none; }
  .hero { grid-template-columns: 1fr; }
  .hero__photo { height: 240px; order: -1; }
  .hero__copy { padding: 32px 24px; }
  .hero h1 { font-size: 34px; line-height: 40px; }
  .trust { flex-wrap: wrap; row-gap: 20px; }
  .stat { width: 50%; }
  .dscr { flex-direction: column; align-items: flex-start; padding: 28px 24px; }
  .dscr__actions { align-items: flex-start; }
  .core h2, .advisor h2 { font-size: 28px; line-height: 34px; }
  .cards, .deals { grid-template-columns: 1fr; }
  .bridge { grid-template-columns: 1fr; }
  .bridge__photo { height: 240px; }
  .bridge__copy { padding: 32px 24px; }
  .bridge h2 { font-size: 28px; line-height: 34px; }
  .advisor__top { flex-direction: column; align-items: stretch; }
  .creds { width: auto; }
  .niche { columns: 1; }
  .cta__inner { flex-direction: column; align-items: flex-start; }
  .cta__actions { flex-wrap: wrap; }
  .footer__cols { grid-template-columns: 1fr; }
}

/* =========================================================
   Inner pages: About + Contact
   ========================================================= */
.h2 { margin-top: 10px; font-size: 34px; line-height: 40px; letter-spacing: -.01em; color: var(--navy-900); }
.h2--light { color: var(--white); }
.muted { font-size: 14px; font-weight: 500; color: var(--slate); }
.muted a { font-weight: 700; color: var(--navy-900); }
.fine { font-size: 12px; line-height: 18px; color: var(--slate); }

/* Intro */
.intro { position: relative; display: flex; flex-direction: column; gap: 18px; padding: 8px 0 40px; border-bottom: 1px solid var(--line); }
.intro::after { content: ""; position: absolute; left: 0; bottom: -1px; width: 96px; height: 3px; background: var(--red-600); }
.crumbs { font-size: 13px; font-weight: 500; color: var(--slate); }
.crumbs a { color: var(--navy-800); transition: color .2s; }
.crumbs a:hover { color: var(--red-600); }
.crumbs span { margin: 0 6px; color: var(--silver); }
.intro h1 { font-size: 52px; line-height: 58px; letter-spacing: -.02em; font-weight: 700; color: var(--navy-900); max-width: 720px; }
.lead { font-size: 19px; line-height: 30px; color: var(--slate); max-width: 680px; }
.intro__actions { display: flex; align-items: center; flex-wrap: wrap; gap: 24px; padding-top: 6px; }

/* Companies */
.companies { display: flex; flex-direction: column; gap: 28px; }
.companies__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.company {
  position: relative; display: flex; flex-direction: column; gap: 14px; padding: 36px 34px;
  background: var(--paper); border-radius: var(--radius); border: 1px solid var(--line);
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.company:hover { transform: translateY(-4px); box-shadow: 0 22px 40px -28px rgba(11,28,54,.55); }
.company h3 { font-size: 28px; line-height: 34px; color: var(--navy-900); }
.company__line { font-size: 13px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); }
.company__url { margin-top: auto; padding-top: 8px; font-size: 14px; font-weight: 700; color: var(--red-600); }
.company--dark { background: var(--navy-900) var(--herring-white); border-color: var(--navy-900); }
.company--dark h3 { color: var(--white); }
.company--dark .company__line { color: var(--silver); }
.company--dark .checks li { color: rgba(255,255,255,.88); }
.company--dark .company__url { color: var(--white); }
.checks { display: flex; flex-direction: column; gap: 10px; }
.checks li { position: relative; padding-left: 26px; font-size: 15px; line-height: 23px; color: var(--ink); }
.checks li::before { content: "✓"; position: absolute; left: 0; font-weight: 700; color: var(--red-600); }

/* Founder */
.founder { display: flex; gap: 48px; align-items: flex-start; }
.creds--lg { width: 280px; padding: 34px 30px; gap: 14px; }
.creds--lg .creds__mono { width: 72px; height: 72px; font-size: 22px; }
.creds--lg strong { font-size: 22px; }
.creds__phone { margin-top: 6px; font-size: 20px; font-weight: 700; color: var(--white); }
.creds__mail { font-size: 13px; font-weight: 500; color: var(--silver); word-break: break-all; transition: color .2s; }
.creds__mail:hover { color: var(--white); }
.founder__copy { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 18px; }
.founder__copy > p:not(.eyebrow) { font-size: 17px; line-height: 28px; color: var(--slate); max-width: 620px; }
.founder blockquote {
  margin-top: 6px; padding-left: 22px; border-left: 3px solid var(--red-600);
  font-size: 26px; line-height: 34px; font-weight: 700; letter-spacing: -.01em; color: var(--navy-800);
}

/* Beliefs */
.beliefs { display: flex; flex-direction: column; gap: 28px; }
.cards--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }

/* Process */
.process { position: relative; background: var(--navy-900); border-radius: var(--radius); padding: 48px 44px; overflow: hidden; display: flex; flex-direction: column; gap: 10px; }
.process::before { content: ""; position: absolute; inset: 0; background: var(--herring-white); pointer-events: none; }
.process > * { position: relative; }
.steps { counter-reset: s; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px; margin-top: 28px; }
.steps li { position: relative; display: flex; flex-direction: column; gap: 12px; }
.steps li:not(:last-child)::after {
  content: ""; position: absolute; top: 14px; left: 40px; right: -16px; height: 1px;
  background: linear-gradient(90deg, var(--silver), transparent);
  transform: scaleX(0); transform-origin: left; transition: transform .9s var(--ease);
}
.process.is-in .steps li::after { transform: scaleX(1); }
.process.is-in .steps li:nth-child(2)::after { transition-delay: .2s; }
.process.is-in .steps li:nth-child(3)::after { transition-delay: .4s; }
.steps strong { font-size: 18px; line-height: 24px; color: var(--white); }
.steps p { font-size: 14px; line-height: 22px; color: rgba(255,255,255,.75); }
.steps .cuff-num { transition: background .3s, border-color .3s; }
.steps li:hover .cuff-num { background: var(--red-600); border-color: var(--red-600); }

/* Good match */
.match { display: flex; flex-direction: column; gap: 28px; }
.fit { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.fit__col { padding: 30px 30px 32px; border-radius: var(--radius); border-top: 3px solid var(--navy-900); background: var(--paper); }
.fit__col--no { border-top-color: var(--silver); background: var(--white); border-left: 1px solid var(--line); border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.fit__col h3 { font-size: 20px; color: var(--navy-900); margin-bottom: 16px; }
.fit__col ul { display: flex; flex-direction: column; gap: 12px; }
.fit__col li { position: relative; padding-left: 30px; font-size: 15px; line-height: 23px; color: var(--ink); }
.fit__col li::before {
  position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%;
  display: grid; place-items: center; font-size: 11px; font-weight: 700; color: var(--white);
}
.fit__col--yes li::before { content: "✓"; background: var(--navy-900); }
.fit__col--no li::before { content: "×"; font-size: 14px; background: var(--silver); }

/* Contact */
.contact { display: grid; grid-template-columns: 300px minmax(0, 1fr); gap: 28px; align-items: start; }
.direct {
  position: sticky; top: 84px; background: var(--navy-900) var(--herring-white); color: var(--white);
  border-radius: var(--radius); padding: 10px 28px; display: flex; flex-direction: column;
}
.direct > div { padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,.14); display: flex; flex-direction: column; gap: 4px; }
.direct > div:last-child { border-bottom: 0; }
.direct small { font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--silver); }
.direct .big { font-size: 20px; line-height: 28px; font-weight: 700; color: var(--white); word-break: break-word; transition: color .2s; }
.direct a.big:hover { color: #ffd5db; }
.direct > div:nth-child(2) .big { font-size: 17px; }
.direct p { font-size: 13px; line-height: 20px; color: rgba(255,255,255,.7); }

.form { background: var(--paper); border-radius: var(--radius); padding: 36px 36px 40px; display: flex; flex-direction: column; gap: 22px; }
.form__head h2 { font-size: 26px; line-height: 32px; color: var(--navy-900); }
.form__head p { margin-top: 4px; font-size: 14px; color: var(--slate); }
.form__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
.field span { font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--navy-800); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 15px; color: var(--ink); background: var(--white);
  border: 1px solid var(--line); border-radius: 3px; padding: 12px 14px;
  transition: border-color .2s, box-shadow .2s;
}
.field textarea { resize: vertical; min-height: 120px; }
.field select { appearance: none; padding-right: 36px; background-image: linear-gradient(45deg, transparent 50%, var(--navy-800) 50%), linear-gradient(135deg, var(--navy-800) 50%, transparent 50%); background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%; background-size: 5px 5px; background-repeat: no-repeat; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 0; border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(42,70,112,.18); }
.field.is-bad input { border-color: var(--red-600); box-shadow: 0 0 0 3px rgba(166,25,46,.12); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; line-height: 19px; color: var(--slate); }
.consent input { margin-top: 2px; accent-color: var(--red-600); }
.form__error { font-size: 14px; font-weight: 600; color: var(--red-600); }
.form .btn { align-self: flex-start; }
.form__done { border-left: 3px solid var(--navy-900); padding: 6px 0 6px 18px; animation: rise .6s var(--ease) both; }
.form__done strong { font-size: 18px; color: var(--navy-900); }
.form__done p { margin-top: 6px; font-size: 14px; color: var(--slate); }
.form__done a { font-weight: 700; color: var(--navy-900); }
.form.is-sent .form__grid, .form.is-sent .consent, .form.is-sent > .btn { display: none; }

.prep { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px; padding-top: 8px; }
.prep__col { display: flex; flex-direction: column; gap: 12px; }
.prep__col h3 { font-size: 24px; line-height: 30px; color: var(--navy-900); margin-bottom: 6px; }
.ticks, .arrows { display: flex; flex-direction: column; }
.ticks li, .arrows li { position: relative; padding: 11px 0 11px 28px; border-bottom: 1px solid var(--line); font-size: 15px; line-height: 22px; color: var(--ink); }
.ticks li::before { content: "✓"; position: absolute; left: 2px; font-weight: 700; color: var(--red-600); }
.arrows li::before { content: "→"; position: absolute; left: 2px; font-weight: 700; color: var(--navy-800); }

@media (max-width: 1280px) {
  .contact { grid-template-columns: 260px minmax(0, 1fr); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 32px; }
  .steps li::after { display: none; }
}
@media (max-width: 1100px) {
  .direct { position: static; }
}
@media (max-width: 760px) {
  .intro h1 { font-size: 36px; line-height: 42px; }
  .lead { font-size: 17px; line-height: 27px; }
  .h2 { font-size: 28px; line-height: 34px; }
  .companies__grid, .fit, .prep, .cards--3, .form__grid, .contact { grid-template-columns: 1fr; }
  .company { padding: 28px 24px; }
  .founder { flex-direction: column; align-items: stretch; gap: 28px; }
  .creds--lg { width: auto; }
  .founder blockquote { font-size: 22px; line-height: 30px; }
  .process { padding: 32px 24px; }
  .steps { grid-template-columns: 1fr; }
  .form { padding: 28px 20px 32px; }
  .form .btn { align-self: stretch; }
}
button.btn { border: 0; font: inherit; font-weight: 700; cursor: pointer; }
button.btn:disabled { opacity: .7; cursor: wait; }

/* =========================================================
   Responsive header + slide-in menu
   ========================================================= */
.menu-btn, .nav__top, .nav__extra, .nav-backdrop { display: none; }
#niche { scroll-margin-top: 90px; }

@media (max-width: 1100px) {
  .header { position: sticky; top: 0; z-index: 60; border-bottom: 3px solid var(--red-600); }
  .header__inner { flex-wrap: nowrap; justify-content: space-between; gap: 20px; padding-top: 14px; padding-bottom: 14px; }
  .header__contact { gap: 12px; }
  .header__contact .phone { display: none; }
  .tagline { display: none; }
  .paths__buttons .btn { padding: 10px 14px; font-size: 13px; }

  .menu-btn {
    display: grid; align-content: center; justify-items: center; gap: 5px;
    width: 46px; height: 46px; flex: none; border: 0; border-radius: var(--radius);
    background: var(--navy-900); cursor: pointer; transition: background .2s;
  }
  .menu-btn:hover { background: var(--navy-600); }
  .menu-btn span { width: 20px; height: 2px; background: var(--white); border-radius: 1px; transition: transform .35s var(--ease), opacity .2s; }
  .menu-btn span:nth-child(2) { width: 14px; justify-self: center; background: var(--silver); }
  .menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  /* belt becomes the drawer */
  .belt { position: static; border-top: 0; background: transparent; box-shadow: none !important; }
  .belt__inner { display: block; padding: 0; }
  .niche-tab { display: none; }
  .nav {
    position: fixed; top: 0; right: 0; bottom: 0; z-index: 100;
    width: min(380px, 88vw); padding: 20px 28px 32px;
    flex-direction: column; flex-wrap: nowrap; align-items: stretch; justify-content: flex-start; gap: 0;
    background: var(--navy-900) var(--herring-white); border-left: 3px solid var(--red-600);
    overflow-y: auto; overscroll-behavior: contain;
    transform: translateX(100%); visibility: hidden;
    transition: transform .45s var(--ease), visibility 0s linear .45s;
  }
  .nav.is-open { transform: none; visibility: visible; transition: transform .45s var(--ease); box-shadow: -24px 0 48px -24px rgba(0,0,0,.6); }
  .nav .buckle { display: none; }
  .nav__top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 14px; margin-bottom: 4px; border-bottom: 1px solid rgba(255,255,255,.14); }
  .nav__title { font-size: 12px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--silver); }
  .nav__close { position: relative; width: 40px; height: 40px; border: 1px solid rgba(255,255,255,.25); border-radius: 50%; background: transparent; cursor: pointer; transition: background .2s, transform .3s var(--ease); }
  .nav__close:hover { background: var(--red-600); border-color: var(--red-600); transform: rotate(90deg); }
  .nav__close::before, .nav__close::after { content: ""; position: absolute; left: 11px; right: 11px; top: 50%; height: 2px; background: var(--white); }
  .nav__close::before { transform: rotate(45deg); }
  .nav__close::after { transform: rotate(-45deg); }

  .nav > a { padding: 16px 0; font-size: 18px; font-weight: 600; color: rgba(255,255,255,.82); border-bottom: 1px solid rgba(255,255,255,.1); }
  .nav > a::after { bottom: -1px; }
  .nav > a.is-active { color: var(--white); }
  .nav.is-open > a, .nav.is-open .nav__extra { animation: rise .5s var(--ease) both; }
  .nav.is-open > a:nth-of-type(1) { animation-delay: .08s; }
  .nav.is-open > a:nth-of-type(2) { animation-delay: .12s; }
  .nav.is-open > a:nth-of-type(3) { animation-delay: .16s; }
  .nav.is-open > a:nth-of-type(4) { animation-delay: .20s; }
  .nav.is-open > a:nth-of-type(5) { animation-delay: .24s; }
  .nav.is-open > a:nth-of-type(6) { animation-delay: .28s; }
  .nav.is-open .nav__extra { animation-delay: .34s; }

  .nav__extra { display: flex; flex-direction: column; gap: 14px; margin-top: 28px; }
  .nav__label { font-size: 11px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--silver); }
  .nav__paths { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
  .nav__paths .btn { padding: 12px 6px; font-size: 13px; background: var(--navy-800); }
  .nav__phone { display: flex; flex-direction: column; gap: 2px; margin-top: 10px; font-size: 24px; font-weight: 700; color: var(--white); }
  .nav__phone small { font-size: 11px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--silver); }
  .nav__extra .btn--primary { justify-content: center; }

  .nav-backdrop { display: block; position: fixed; inset: 0; z-index: 90; background: rgba(11,28,54,.55); backdrop-filter: blur(2px); opacity: 0; transition: opacity .35s; }
  .nav-backdrop.is-on { opacity: 1; }
  .nav-backdrop[hidden] { display: none; }
  body.menu-open { overflow: hidden; }

  .sidebar::before { content: "Niche Loans"; display: block; padding: 28px 0 10px; font-size: 24px; font-weight: 700; color: var(--navy-900); }
}
@media (max-width: 900px) {
  .paths { display: none; }
}
@media (max-width: 760px) {
  .header__inner { padding-top: 12px; padding-bottom: 12px; gap: 12px; }
  .logo { gap: 10px; }
  .logo__mark { width: 40px; height: 40px; font-size: 24px; }
  .logo__word strong { font-size: 18px; }
  .logo__word small { font-size: 9px; letter-spacing: .32em; }
  .header__contact .btn--primary { padding: 11px 14px; font-size: 13px; }
  .menu-btn { width: 42px; height: 42px; }
}
@media (max-width: 360px) {
  .header__contact .btn--primary { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .nav, .nav.is-open { transition: none; }
  .nav.is-open > a, .nav.is-open .nav__extra { animation: none; }
}
@media (max-width: 1100px) {
  .utility p { display: none; }
  .utility__inner { justify-content: center; }
  .nav__paths { grid-template-columns: 1fr 1fr; }
  .nav__paths .btn:last-child { grid-column: 1 / -1; }
}