:root{
  --void:#070608;
  --coal:#0D0C0F;
  --panel:#141118;
  --panel-2:#191521;
  --gold:#BC9D63;
  --gold-deep:#7D6036;
  --gold-dark:#5C4528;
  --gold-bright:#E3C893;
  --silver:#D8DCE0;
  --silver-dim:#ABB0B7;
  --ivory:#F3EEE3;
  --line:rgba(188,157,99,.16);
  --line-strong:rgba(188,157,99,.34);
  --ease:cubic-bezier(.22,1,.36,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
html.lenis,html.has-js{scroll-behavior:auto}
body{
  background:var(--void);
  color:var(--ivory);
  font-family:'Jost',sans-serif;
  font-weight:400;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
::selection{background:var(--gold);color:var(--void)}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{font:inherit;cursor:pointer;border:none;background:none;color:inherit}

/* ---------- utilities ---------- */
.wrap{width:min(1240px,calc(100% - 48px));margin-inline:auto}
.eyebrow{
  font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:600;
  letter-spacing:.42em;text-transform:uppercase;color:var(--gold);
  display:flex;align-items:center;gap:14px;
}
.eyebrow::before{content:"";width:34px;height:1px;background:linear-gradient(90deg,var(--gold),transparent)}
.display{font-family:'Marcellus',serif;font-weight:400;line-height:1.04;letter-spacing:.005em}
.gold-text{
  background:linear-gradient(100deg,#8A6D40 0%,#E3C893 38%,#BC9D63 62%,#6B5230 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.silver-text{
  background:linear-gradient(100deg,#9BA0A6 0%,#EDEFF1 45%,#AEB3B9 75%,#7E838A 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.blade-rule{
  height:1px;width:100%;
  background:linear-gradient(90deg,transparent,var(--line-strong) 18%,var(--line-strong) 82%,transparent);
  position:relative;
}
.blade-rule::after{
  content:"";position:absolute;left:50%;top:-3px;width:46px;height:7px;
  transform:translateX(-50%) skewX(-32deg);
  background:linear-gradient(90deg,var(--gold-deep),var(--gold-bright),var(--gold-deep));
}

/* ---------- preloader ---------- */
#loader{
  position:fixed;inset:0;z-index:1000;background:var(--void);
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:28px;
}
#loader .vmark{width:min(150px,32vw)}
#loader .vmark svg{width:100%;height:auto;overflow:visible}
#loader-count{
  font-family:'Marcellus',serif;font-size:14px;letter-spacing:.5em;color:var(--gold);
  display:flex;align-items:center;gap:16px;
}
#loader-count .bar{width:120px;height:1px;background:var(--line);position:relative;overflow:hidden}
#loader-count .bar i{position:absolute;inset:0;background:var(--gold);transform:scaleX(0);transform-origin:left}

/* ---------- nav ---------- */
#nav{
  position:fixed;top:0;left:0;right:0;z-index:900;
  transition:background .4s,border-color .4s,backdrop-filter .4s;
  border-bottom:1px solid transparent;
}
#nav.scrolled{background:rgba(7,6,8,.82);backdrop-filter:blur(14px);border-bottom-color:var(--line)}
#nav .inner{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:13px}
.brand .mark{width:34px;flex:none}
.brand .word{display:flex;flex-direction:column;line-height:1}
.brand .word b{
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:15px;letter-spacing:.14em;
}
.brand .word b .iv{color:var(--gold)}
.brand .word b .vt{color:var(--silver)}
.brand .word span{
  font-family:'Montserrat',sans-serif;font-weight:600;font-size:11px;
  letter-spacing:.58em;color:var(--silver-dim);margin-top:4px;text-transform:uppercase;
}
#nav nav{display:flex;gap:38px}
#nav nav a{
  font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:600;
  letter-spacing:.22em;text-transform:uppercase;color:var(--silver-dim);
  transition:color .3s;position:relative;padding:6px 0;
}
#nav nav a::after{
  content:"";position:absolute;left:0;bottom:0;height:1px;width:100%;
  background:var(--gold);transform:scaleX(0);transform-origin:right;transition:transform .4s var(--ease);
}
#nav nav a:hover{color:var(--ivory)}
#nav nav a:hover::after{transform:scaleX(1);transform-origin:left}
.btn{
  display:inline-flex;align-items:center;gap:12px;
  font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:600;
  letter-spacing:.24em;text-transform:uppercase;
  padding:15px 30px;position:relative;isolation:isolate;overflow:hidden;
  transition:color .35s;white-space:nowrap;
}
.btn-gold{color:var(--void);clip-path:polygon(10px 0,100% 0,calc(100% - 10px) 100%,0 100%)}
.btn-gold::before{
  content:"";position:absolute;inset:0;z-index:-2;
  background:linear-gradient(100deg,#9A7743,#E3C893 50%,#9A7743);
}
.btn-gold::after{
  content:"";position:absolute;inset:0;z-index:-1;background:var(--ivory);
  transform:translateY(101%);transition:transform .45s var(--ease);
}
.btn-gold:hover::after{transform:translateY(0)}
.btn-ghost{
  color:var(--ivory);border:1px solid var(--line-strong);
  clip-path:polygon(10px 0,100% 0,calc(100% - 10px) 100%,0 100%);
}
.btn-ghost::after{
  content:"";position:absolute;inset:0;z-index:-1;background:rgba(188,157,99,.12);
  transform:translateY(101%);transition:transform .45s var(--ease);
}
.btn-ghost:hover::after{transform:translateY(0)}
#nav .btn{padding:12px 24px}
#menu-toggle{display:none;flex-direction:column;gap:6px;padding:8px}
#menu-toggle span{width:26px;height:1.5px;background:var(--ivory);transition:.35s var(--ease)}
#mobile-menu{
  position:fixed;inset:0;z-index:890;background:rgba(7,6,8,.97);backdrop-filter:blur(20px);
  display:flex;flex-direction:column;justify-content:center;padding:48px 32px;gap:8px;
  transform:translateX(100%);transition:transform .55s var(--ease);
}
#mobile-menu.open{transform:translateX(0)}
#mobile-menu a{
  font-family:'Marcellus',serif;font-size:clamp(28px,8vw,40px);color:var(--ivory);
  padding:10px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;
}
#mobile-menu a small{font-family:'Montserrat',sans-serif;font-size:12px;letter-spacing:.3em;color:var(--gold)}
body.menu-open #menu-toggle span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
body.menu-open #menu-toggle span:nth-child(2){opacity:0}
body.menu-open #menu-toggle span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- hero ---------- */
#hero{
  min-height:100svh;display:flex;align-items:center;position:relative;
  padding:140px 0 90px;overflow:hidden;
}
#particles{position:absolute;inset:0;z-index:0;opacity:.8}
#hero .glow{
  position:absolute;z-index:0;width:62vw;height:62vw;right:-18vw;top:-12vw;border-radius:50%;
  background:radial-gradient(circle,rgba(154,119,67,.16),transparent 64%);
  pointer-events:none;
}
#hero .inner{position:relative;z-index:2;display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
#hero h1{font-size:clamp(44px,7.2vw,104px);margin:26px 0 28px}
#hero h1 .line{display:block;overflow:hidden}
#hero h1 .line span{display:inline-block}
#hero .lede{
  max-width:520px;font-size:clamp(17px,1.7vw,20px);color:var(--silver);font-weight:300;
}
#hero .lede strong{color:var(--ivory);font-weight:400}
#hero .cta-row{display:flex;gap:18px;margin-top:42px;flex-wrap:wrap}
#hero .not-lender{
  margin-top:22px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:500;
  letter-spacing:.26em;text-transform:uppercase;color:var(--silver-dim);
  display:flex;align-items:center;gap:10px;
}
#hero .not-lender::before{content:"";width:6px;height:6px;background:var(--gold);transform:rotate(45deg)}
#hero-mark{position:relative;display:flex;justify-content:center}
#hero-mark svg{width:min(380px,72vw);height:auto;overflow:visible;filter:drop-shadow(0 30px 60px rgba(0,0,0,.55))}
#hero-mark .orbit{
  position:absolute;inset:-12%;border:1px solid var(--line);border-radius:50%;
  -webkit-mask:linear-gradient(180deg,#000 30%,transparent 85%);
  mask:linear-gradient(180deg,#000 30%,transparent 85%);
}
#hero-mark .orbit.o2{inset:-26%;border-color:rgba(188,157,99,.09)}
.scroll-cue{
  position:absolute;bottom:34px;left:50%;transform:translateX(-50%);z-index:2;
  display:flex;flex-direction:column;align-items:center;gap:10px;
  font-family:'Montserrat',sans-serif;font-size:10.5px;letter-spacing:.4em;color:var(--silver-dim);text-transform:uppercase;
}
.scroll-cue i{width:1px;height:44px;background:linear-gradient(180deg,var(--gold),transparent);display:block}

/* ---------- marquee ---------- */
#marquee{border-block:1px solid var(--line);padding:20px 0;overflow:hidden;background:var(--coal)}
#marquee .track{display:flex;gap:0;width:max-content;will-change:transform}
#marquee .set{display:flex;align-items:center}
#marquee .item{
  font-family:'Marcellus',serif;font-size:16px;letter-spacing:.3em;text-transform:uppercase;
  color:var(--silver-dim);padding:0 34px;display:flex;align-items:center;gap:34px;white-space:nowrap;
}
#marquee .item::after{content:"";width:7px;height:7px;background:var(--gold-deep);transform:rotate(45deg)}

/* ---------- stats ---------- */
#stats{padding:110px 0 96px}
#stats .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
#stats .cell{background:var(--void);padding:44px 34px;position:relative;overflow:hidden}
#stats .cell::before{
  content:"";position:absolute;top:0;left:0;width:100%;height:2px;
  background:linear-gradient(90deg,var(--gold-deep),var(--gold-bright));
  transform:scaleX(0);transform-origin:left;transition:transform .8s var(--ease);
}
#stats .cell:hover::before{transform:scaleX(1)}
#stats .num{font-family:'Marcellus',serif;font-size:clamp(38px,4vw,54px);line-height:1}
#stats .lbl{
  margin-top:14px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;
  letter-spacing:.3em;text-transform:uppercase;color:var(--silver-dim);
}
#stats .note{margin-top:26px;font-size:14px;color:var(--silver-dim);letter-spacing:.04em}

/* ---------- section heads ---------- */
.sec-head{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end;margin-bottom:64px}
.sec-head h2{font-size:clamp(34px,4.6vw,62px);margin-top:22px;max-width:14ch}
.sec-head p{max-width:380px;color:var(--silver);font-size:16.5px}

/* ---------- programs ---------- */
#programs{padding:40px 0 120px}
.prog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.prog{
  background:var(--void);padding:46px 38px 42px;position:relative;overflow:hidden;
  transition:background .45s;min-height:300px;display:flex;flex-direction:column;
}
.prog:hover{background:var(--panel)}
.prog .idx{
  font-family:'Marcellus',serif;font-size:14.5px;color:var(--gold-deep);letter-spacing:.2em;
}
.prog h3{font-family:'Marcellus',serif;font-weight:400;font-size:26px;margin:18px 0 12px}
.prog p{color:var(--silver);font-size:16px;flex:1}
.prog .meta{
  margin-top:26px;display:flex;gap:22px;font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);
  flex-wrap:wrap;
}
.prog .blade{
  position:absolute;right:-46px;top:-46px;width:120px;height:120px;
  background:linear-gradient(135deg,rgba(188,157,99,.16),transparent 65%);
  transform:rotate(45deg) translate(40px,0);transition:transform .5s var(--ease),opacity .5s;opacity:0;
}
.prog:hover .blade{transform:rotate(45deg) translate(0,0);opacity:1}

/* ---------- how it works / vault dial ---------- */
#process{padding:120px 0;background:var(--coal);border-block:1px solid var(--line);position:relative;overflow:hidden}
#process .layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:center}
#dial-wrap{position:relative;display:flex;align-items:center;justify-content:center;aspect-ratio:1}
#dial{width:min(420px,82vw);height:auto;overflow:visible}
#dial text{font-family:'Montserrat',sans-serif;letter-spacing:.32em;font-weight:600}
.step{padding:34px 0;border-bottom:1px solid var(--line);opacity:.34;transition:opacity .5s;display:grid;grid-template-columns:74px 1fr;gap:22px}
.step:first-of-type{border-top:1px solid var(--line)}
.step.active{opacity:1}
.step .n{font-family:'Marcellus',serif;font-size:42px;line-height:1;color:var(--gold)}
.step h3{font-family:'Marcellus',serif;font-weight:400;font-size:24px;margin-bottom:8px}
.step p{color:var(--silver);font-size:16px;max-width:46ch}
.step .tag{
  display:inline-block;margin-top:14px;font-family:'Montserrat',sans-serif;font-size:11px;
  font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);
  border:1px solid var(--line-strong);padding:7px 14px;
}

/* ---------- deals ---------- */
#deals{padding:120px 0}
.deal-row{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.deal{
  border:1px solid var(--line);padding:34px 28px;background:linear-gradient(165deg,var(--panel) 0%,var(--void) 70%);
  position:relative;transition:border-color .4s,transform .5s var(--ease);
}
.deal:hover{border-color:var(--line-strong);transform:translateY(-6px)}
.deal .type{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.26em;text-transform:uppercase;color:var(--gold);
}
.deal .amt{font-family:'Marcellus',serif;font-size:clamp(28px,2.6vw,36px);margin:16px 0 4px}
.deal .loc{color:var(--silver);font-size:15.5px}
.deal .specs{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);display:grid;gap:8px}
.deal .specs li{display:flex;justify-content:space-between;font-size:14px;color:var(--silver-dim)}
.deal .specs li b{color:var(--silver);font-weight:400}
.deals-note{margin-top:30px;font-size:14px;color:var(--silver-dim);letter-spacing:.04em}

/* ---------- dual path ---------- */
#paths{padding:0 0 120px}
.path-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.path{
  position:relative;padding:64px 52px;min-height:430px;display:flex;flex-direction:column;
  border:1px solid var(--line);overflow:hidden;isolation:isolate;
}
.path::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(160deg,var(--panel-2),var(--void) 75%);
}
.path.lender::before{background:linear-gradient(160deg,#1A1812,var(--void) 75%)}
.path .big-v{
  position:absolute;z-index:-1;right:-60px;bottom:-70px;width:300px;opacity:.07;
  transform:rotate(-8deg);
}
.path h3{font-family:'Marcellus',serif;font-weight:400;font-size:clamp(28px,3vw,40px);margin:20px 0 16px}
.path p{color:var(--silver);max-width:46ch;font-size:16.5px}
.path ul{margin:26px 0 36px;display:grid;gap:12px}
.path ul li{display:flex;gap:14px;font-size:16px;color:var(--silver)}
.path ul li::before{content:"";flex:none;width:7px;height:7px;margin-top:8px;background:var(--gold);transform:rotate(45deg)}
.path .btn{margin-top:auto;align-self:flex-start}

/* ---------- expectations ---------- */
#scope{padding:120px 0;background:var(--coal);border-block:1px solid var(--line)}
.scope-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.scope-col{border:1px solid var(--line);padding:42px 36px;background:var(--void)}
.scope-col h3{
  font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;letter-spacing:.3em;
  text-transform:uppercase;display:flex;align-items:center;gap:12px;margin-bottom:26px;
}
.scope-col h3 i{width:9px;height:9px;transform:rotate(45deg);flex:none}
.scope-col.yes h3{color:var(--gold-bright)} .scope-col.yes h3 i{background:var(--gold)}
.scope-col.maybe h3{color:var(--silver)} .scope-col.maybe h3 i{background:var(--silver-dim)}
.scope-col.no h3{color:#ACACAC} .scope-col.no h3 i{background:transparent;border:1px solid #8E8E8E}
.scope-col li{
  padding:11px 0;border-bottom:1px solid var(--line);font-size:15.5px;color:var(--silver);
}
.scope-col li:last-child{border-bottom:0}
.scope-col.no li{color:var(--silver-dim)}

/* ---------- faq ---------- */
#faq{padding:120px 0}
#faq .layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:72px;align-items:start}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item:first-child{border-top:1px solid var(--line)}
.faq-q{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:24px;
  padding:26px 0;text-align:left;font-family:'Marcellus',serif;font-size:clamp(17px,1.8vw,21px);
  color:var(--ivory);transition:color .3s;
}
.faq-q:hover{color:var(--gold-bright)}
.faq-q .pm{
  flex:none;width:34px;height:34px;border:1px solid var(--line-strong);position:relative;
  transition:transform .45s var(--ease),background .3s;
}
.faq-q .pm::before,.faq-q .pm::after{
  content:"";position:absolute;background:var(--gold);left:50%;top:50%;
}
.faq-q .pm::before{width:13px;height:1px;transform:translate(-50%,-50%)}
.faq-q .pm::after{width:1px;height:13px;transform:translate(-50%,-50%);transition:opacity .3s}
.faq-item.open .faq-q .pm{transform:rotate(180deg);background:rgba(188,157,99,.1)}
.faq-item.open .faq-q .pm::after{opacity:0}
.faq-a{max-height:0;overflow:hidden;transition:max-height .55s var(--ease)}
.faq-a p{padding:0 0 28px;color:var(--silver);font-size:16.5px;max-width:62ch}

/* ---------- contact ---------- */
#contact{padding:130px 0;position:relative;overflow:hidden;border-top:1px solid var(--line)}
#contact .glow{
  position:absolute;width:70vw;height:70vw;left:50%;top:-30vw;transform:translateX(-50%);
  background:radial-gradient(circle,rgba(154,119,67,.13),transparent 62%);border-radius:50%;pointer-events:none;
}
#contact .inner{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
#contact h2{font-size:clamp(36px,5vw,68px);margin-top:24px}
#contact .sub{margin-top:24px;color:var(--silver);max-width:44ch;font-size:16.5px}
#contact .channels{margin-top:44px;display:grid;gap:4px}
#contact .channels a{
  display:flex;justify-content:space-between;align-items:center;padding:20px 0;
  border-bottom:1px solid var(--line);transition:padding .35s var(--ease);
}
#contact .channels a:hover{padding-left:10px}
#contact .channels .k{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.3em;text-transform:uppercase;color:var(--silver-dim)}
#contact .channels .v{font-family:'Marcellus',serif;font-size:18px;color:var(--ivory)}
.form-shell{border:1px solid var(--line);background:linear-gradient(170deg,var(--panel),var(--void) 80%);padding:50px 44px}
.form-shell h3{font-family:'Marcellus',serif;font-weight:400;font-size:24px;margin-bottom:8px}
.form-shell .fs-sub{font-size:15px;color:var(--silver-dim);margin-bottom:34px}
.fld{margin-bottom:24px}
.fld label{
  display:block;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.26em;text-transform:uppercase;color:var(--silver-dim);margin-bottom:10px;
}
.fld input,.fld select{
  width:100%;background:transparent;border:0;border-bottom:1px solid var(--line-strong);
  color:var(--ivory);font-family:'Jost',sans-serif;font-size:16px;padding:10px 2px;
  transition:border-color .3s;border-radius:0;
}
.fld select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23BC9D63' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 4px center}
.fld select option{background:var(--coal);color:var(--ivory)}
.fld input:focus,.fld select:focus{outline:none;border-bottom-color:var(--gold)}
.fld-row{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.form-shell .btn{width:100%;justify-content:center;margin-top:8px}
.form-shell .fine{margin-top:18px;font-size:13px;color:var(--silver-dim);text-align:center;letter-spacing:.03em}

/* ---------- footer ---------- */
footer{border-top:1px solid var(--line);background:var(--coal)}
footer .top{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:48px;padding:80px 0 60px}
footer .brand .mark{width:40px}
footer .tagline{margin-top:20px;color:var(--silver-dim);font-size:15px;max-width:30ch}
footer h4{
  font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;letter-spacing:.32em;
  text-transform:uppercase;color:var(--gold);margin-bottom:22px;
}
footer .col a{display:block;padding:7px 0;color:var(--silver-dim);font-size:15.5px;transition:color .3s}
footer .col a:hover{color:var(--ivory)}
footer .sister{
  margin-top:26px;border:1px solid var(--line);padding:18px 20px;display:block;transition:border-color .3s;
}
footer .sister:hover{border-color:var(--line-strong)}
footer .sister .k{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:600;letter-spacing:.3em;color:var(--silver-dim);text-transform:uppercase}
footer .sister .v{font-family:'Marcellus',serif;font-size:16px;color:var(--ivory);margin-top:6px}
footer .legal{border-top:1px solid var(--line);padding:38px 0 46px}
footer .legal p{font-size:13px;color:#A2A7AE;line-height:1.75;max-width:1100px;margin-bottom:14px}
footer .legal .row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:26px}
footer .legal .row span,footer .legal .row a{font-size:13px;color:#A2A7AE}
footer .legal .row a:hover{color:var(--silver)}

/* ---------- reveal defaults (JS adds motion) ---------- */
.r{opacity:0;transform:translateY(36px)}
html.no-js .r,html.reduced .r{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  #hero .inner{grid-template-columns:1fr;gap:64px}
  #hero-mark{order:-1}
  #hero-mark svg{width:min(240px,52vw)}
  #process .layout{grid-template-columns:1fr;gap:56px}
  .deal-row{grid-template-columns:repeat(2,1fr)}
  #faq .layout{grid-template-columns:1fr;gap:48px}
  #contact .inner{grid-template-columns:1fr;gap:64px}
  footer .top{grid-template-columns:1fr 1fr}
}
@media (max-width:880px){
  #nav nav,#nav .btn{display:none}
  #menu-toggle{display:flex}
  .prog-grid{grid-template-columns:1fr 1fr}
  .scope-grid{grid-template-columns:1fr}
  .path-grid{grid-template-columns:1fr}
  #stats .grid{grid-template-columns:1fr 1fr}
  .sec-head{grid-template-columns:1fr}
}
@media (max-width:600px){
  .wrap{width:calc(100% - 40px)}
  .prog-grid{grid-template-columns:1fr}
  .deal-row{grid-template-columns:1fr}
  .fld-row{grid-template-columns:1fr}
  .path{padding:48px 30px}
  .form-shell{padding:40px 26px}
  #hero{padding-top:120px}
  #hero .cta-row .btn{width:100%;justify-content:center}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition-duration:.01ms!important}
  .r{opacity:1!important;transform:none!important}
}
/* ============================================================
   IVORY VAULT GROUP — additional components
   (team grid, officer profile, trust bar, Barrett compliance)
   ============================================================ */

/* equal-housing + barrett trust strip under hero */
#trust-bar{border-block:1px solid var(--line);background:var(--coal)}
#trust-bar .inner{display:flex;align-items:center;justify-content:center;gap:40px;padding:22px 0;flex-wrap:wrap}
#trust-bar .ti{display:flex;align-items:center;gap:12px;color:var(--silver-dim);
  font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase}
#trust-bar .ti svg{width:26px;height:26px;flex:none}
#trust-bar .ti b{color:var(--silver);font-weight:600}
#trust-bar .sep{width:1px;height:26px;background:var(--line)}

/* ===== team grid ===== */
#team{padding:40px 0 120px}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.officer{
  position:relative;border:1px solid var(--line);background:linear-gradient(168deg,var(--panel) 0%,var(--void) 72%);
  padding:38px 32px 34px;display:flex;flex-direction:column;overflow:hidden;
  transition:border-color .45s,transform .55s var(--ease);
}
.officer:hover{border-color:var(--line-strong);transform:translateY(-6px)}
.officer .blade{
  position:absolute;right:-46px;top:-46px;width:120px;height:120px;
  background:linear-gradient(135deg,rgba(188,157,99,.16),transparent 65%);
  transform:rotate(45deg) translate(40px,0);transition:transform .5s var(--ease),opacity .5s;opacity:0;
}
.officer:hover .blade{transform:rotate(45deg) translate(0,0);opacity:1}
.officer .avatar{
  width:74px;height:74px;flex:none;border:1px solid var(--line-strong);border-radius:50%;
  display:grid;place-items:center;background:radial-gradient(circle at 35% 30%,#1d1822,#0c0a0f);
  font-family:'Marcellus',serif;font-size:26px;color:var(--gold-bright);margin-bottom:22px;
}
.officer h3{font-family:'Marcellus',serif;font-weight:400;font-size:23px;line-height:1.15}
.officer .nmls{
  margin-top:8px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.18em;text-transform:uppercase;color:var(--gold);
}
.officer .states{margin-top:18px;font-size:14px;color:var(--silver-dim);flex:1}
.officer .states b{color:var(--silver);font-weight:400}
.officer .lo-cta{
  margin-top:24px;display:flex;align-items:center;gap:10px;
  font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--ivory);
}
.officer .lo-cta .arw{transition:transform .4s var(--ease)}
.officer:hover .lo-cta .arw{transform:translateX(6px)}
.officer-link{position:absolute;inset:0;z-index:3;text-indent:-9999px;overflow:hidden}

/* ===== officer profile page ===== */
#lo-hero{padding:150px 0 70px;position:relative;overflow:hidden}
#lo-hero .glow{position:absolute;width:60vw;height:60vw;right:-16vw;top:-16vw;border-radius:50%;
  background:radial-gradient(circle,rgba(154,119,67,.14),transparent 64%);pointer-events:none}
#lo-hero .inner{position:relative;display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}
.lo-card{
  border:1px solid var(--line);background:linear-gradient(168deg,var(--panel-2),var(--void) 78%);
  padding:48px 42px;text-align:center;position:relative;overflow:hidden;
}
.lo-card .big-v{position:absolute;right:-50px;bottom:-60px;width:230px;opacity:.06;transform:rotate(-8deg);z-index:0}
.lo-card .av{
  width:128px;height:128px;margin:0 auto 26px;border:1px solid var(--line-strong);border-radius:50%;
  display:grid;place-items:center;background:radial-gradient(circle at 35% 30%,#1d1822,#0c0a0f);
  font-family:'Marcellus',serif;font-size:46px;color:var(--gold-bright);position:relative;z-index:1;
}
.lo-card h1{font-family:'Marcellus',serif;font-weight:400;font-size:clamp(26px,3vw,34px);position:relative;z-index:1}
.lo-card .role{margin-top:8px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:600;
  letter-spacing:.26em;text-transform:uppercase;color:var(--gold);position:relative;z-index:1}
.lo-card .nmls-badge{
  margin:22px auto 0;display:inline-flex;align-items:center;gap:10px;padding:10px 18px;
  border:1px solid var(--line-strong);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;
  letter-spacing:.16em;color:var(--silver);position:relative;z-index:1;
}
.lo-card .nmls-badge i{width:7px;height:7px;background:var(--gold);transform:rotate(45deg)}
.lo-detail h2{font-family:'Marcellus',serif;font-weight:400;font-size:clamp(28px,3.4vw,42px);margin-bottom:8px}
.lo-detail .sub{color:var(--gold);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;
  letter-spacing:.24em;text-transform:uppercase;margin-bottom:26px}
.lo-detail p{color:var(--silver);font-size:16.5px;max-width:54ch;margin-bottom:20px}
.lo-meta{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);margin:34px 0}
.lo-meta .row{background:var(--void);padding:20px 24px;display:grid;grid-template-columns:160px 1fr;gap:20px;align-items:baseline}
.lo-meta .k{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;letter-spacing:.24em;
  text-transform:uppercase;color:var(--silver-dim)}
.lo-meta .v{color:var(--silver);font-size:15.5px}
.lo-meta .v b{color:var(--ivory);font-weight:400}
.lo-cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px}
.lo-states-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px}
.lo-states-tags span{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:600;letter-spacing:.08em;
  color:var(--silver);border:1px solid var(--line-strong);padding:6px 11px;
}
.back-link{display:inline-flex;align-items:center;gap:10px;color:var(--silver-dim);
  font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;
  margin-bottom:24px;transition:color .3s}
.back-link:hover{color:var(--gold)}
.back-link .arw{transition:transform .4s var(--ease)}
.back-link:hover .arw{transform:translateX(-5px)}

/* officer page barrett notice */
.barrett-strip{border-block:1px solid var(--line);background:var(--coal);padding:54px 0}
.barrett-strip .inner{display:grid;grid-template-columns:auto 1fr auto;gap:36px;align-items:center}
.barrett-strip .eh{width:52px;height:52px;flex:none}
.barrett-strip h3{font-family:'Marcellus',serif;font-weight:400;font-size:22px;margin-bottom:8px}
.barrett-strip p{color:var(--silver-dim);font-size:14.5px;max-width:64ch}

@media (max-width:1080px){
  .team-grid{grid-template-columns:repeat(2,1fr)}
  #lo-hero .inner{grid-template-columns:1fr;gap:44px}
  .lo-card{order:-1}
  .barrett-strip .inner{grid-template-columns:1fr;gap:24px;text-align:center}
  .barrett-strip .eh{margin:0 auto}
}
@media (max-width:880px){
  #trust-bar .inner{gap:22px}
  #trust-bar .sep{display:none}
}
@media (max-width:600px){
  .team-grid{grid-template-columns:1fr}
  .lo-meta .row{grid-template-columns:1fr;gap:6px}
  .lo-card{padding:40px 26px}
}