/* ============================================================
   NECTAR — Originations Overview Page
   Brand: Nectar Navy #01041D · Ultra #971BFF · Cream #F8F8F3 · White #FFFFFF
   Font: Manrope
   ============================================================ */

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 17px; }

body {
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 1rem;
  line-height: 1.7;
  color: #01041D;
  background: #FFFFFF;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---- CONTAINERS ---- */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 2rem;
}

/* ---- SECTION LABELS ---- */
.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #971BFF;
  margin-bottom: 0.75rem;
}
.section-label.light { color: rgba(151,27,255,0.7); }

/* ---- SECTION HEADLINES ---- */
.section-headline {
  font-size: clamp(1.9rem, 3.5vw, 2.6rem);
  font-weight: 800;
  line-height: 1.15;
  color: #01041D;
  margin-bottom: 1rem;
}
.section-headline.light { color: #FFFFFF; }

.section-sub {
  font-size: 1.05rem;
  color: #4a5568;
  max-width: 700px;
  margin-bottom: 2.5rem;
  line-height: 1.75;
}
.section-sub.light { color: rgba(255,255,255,0.75); }

/* ---- BUTTONS ---- */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #971BFF;
  color: #FFFFFF;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  padding: 0.78rem 1.75rem;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary:hover {
  background: #7d13d9;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(151,27,255,0.35);
}
.btn-primary.btn-sm { font-size: 0.88rem; padding: 0.6rem 1.3rem; }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: transparent;
  color: rgba(255,255,255,0.85);
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.78rem 1.5rem;
  border-radius: 50px;
  border: 1.5px solid rgba(255,255,255,0.3);
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.6);
  color: #FFFFFF;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: transparent;
  color: #971BFF;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  padding: 0.6rem 1.25rem;
  border-radius: 50px;
  border: 1.5px solid #971BFF;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}
.btn-outline:hover {
  background: #971BFF;
  color: #FFFFFF;
}

.btn-nav {
  display: inline-flex;
  align-items: center;
  background: #971BFF;
  color: #FFFFFF;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.55rem 1.25rem;
  border-radius: 50px;
  transition: background 0.2s;
}
.btn-nav:hover { background: #7d13d9; }

/* ---- DARK SECTIONS ---- */
.dark-section {
  background: #01041D;
  padding: 5rem 0;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 999;
  background: rgba(1,4,29,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.nav__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.nav__logo img { height: 30px; }
.nav__links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav__links a {
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
  font-weight: 600;
  transition: color 0.2s;
}
.nav__links a:hover { color: #FFFFFF; }

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #FFFFFF;
  border-radius: 2px;
  transition: all 0.3s;
}

/* Mobile menu */
.nav__mobile {
  display: none;
  flex-direction: column;
  background: #01041D;
  padding: 1rem 2rem 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.nav__mobile.active { display: flex; }
.mobile-link {
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
  font-weight: 600;
  padding: 0.7rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color 0.2s;
}
.mobile-link:hover { color: #FFFFFF; }
.mobile-cta { margin-top: 1rem; text-align: center; justify-content: center; }

@media (max-width: 768px) {
  .nav__hamburger { display: flex; }
  .desktop-only { display: none !important; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: #01041D;
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(151,27,255,0.22) 0%, transparent 70%);
  pointer-events: none;
}

.hero__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero__eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(151,27,255,0.8);
  margin-bottom: 1rem;
}
.hero__headline {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.12;
  color: #FFFFFF;
  margin-bottom: 1.25rem;
}
.hero__accent {
  background: linear-gradient(90deg, #971BFF, #c46fff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero__sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  margin-bottom: 2rem;
  max-width: 520px;
}
.hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.hero__stats {
  display: flex;
  gap: 1.75rem;
  flex-wrap: wrap;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero__stat { display: flex; flex-direction: column; }
.stat-value {
  font-size: 1.3rem;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1;
}
.stat-label {
  font-size: 0.73rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.5);
  margin-top: 0.25rem;
  text-transform: uppercase;
}

/* At-a-Glance panel */
.hero__glance {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 16px;
  padding: 2rem;
  backdrop-filter: blur(6px);
}
.glance-header {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.glance-header__icon { color: #971BFF; font-size: 1rem; }
.glance-items { display: flex; flex-direction: column; gap: 0; }
.glance-item {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.glance-item:last-child { border-bottom: none; padding-bottom: 0; }
.glance-label {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  line-height: 1;
}
.glance-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.3;
}

@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__glance { max-width: 540px; }
}

/* ============================================================
   PRESS BAR
   ============================================================ */
.press-bar {
  background: #F8F8F3;
  padding: 2rem 0;
  border-top: 1px solid rgba(1,4,29,0.07);
  border-bottom: 1px solid rgba(1,4,29,0.07);
}
.press-bar__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}
.press-bar__label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(1,4,29,0.4);
  white-space: nowrap;
  flex-shrink: 0;
}
.press-bar__logos {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex: 1;
  flex-wrap: wrap;
}
.press-bar__logos img {
  height: 22px;
  width: auto;
  object-fit: contain;
  opacity: 0.55;
  filter: grayscale(100%);
  transition: opacity 0.2s;
  flex-shrink: 0;
}
.press-bar__logos img:hover { opacity: 0.85; }

@media (max-width: 768px) {
  .press-bar__logos { justify-content: flex-start; }
}

/* ============================================================
   WHAT NECTAR OFFERS
   ============================================================ */
.offers {
  padding: 5rem 0;
  background: #FFFFFF;
}
.offers__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.offers__card {
  background: #F8F8F3;
  border-radius: 12px;
  padding: 2rem 2rem 2rem;
  border: 1px solid rgba(1,4,29,0.07);
  transition: box-shadow 0.2s, transform 0.2s;
}
.offers__card:hover {
  box-shadow: 0 8px 32px rgba(1,4,29,0.1);
  transform: translateY(-2px);
}
.offers__card-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(151,27,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: #971BFF;
  margin-bottom: 1.1rem;
}
.offers__card h3 {
  font-size: 1.1rem;
  font-weight: 800;
  margin-bottom: 0.6rem;
  color: #01041D;
}
.offers__card p {
  font-size: 0.96rem;
  color: #4a5568;
  line-height: 1.7;
}

/* ============================================================
   USE OF CAPITAL
   ============================================================ */
.use-of-capital { padding: 5rem 0; }
.capital-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.25rem;
}
.capital-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 1.75rem;
  transition: background 0.2s, border-color 0.2s;
}
.capital-card:hover {
  background: rgba(151,27,255,0.08);
  border-color: rgba(151,27,255,0.3);
}
.capital-card__icon {
  font-size: 1.35rem;
  color: #971BFF;
  margin-bottom: 0.85rem;
}
.capital-card h3 {
  font-size: 1rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.5rem;
}
.capital-card p {
  font-size: 0.93rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.65;
}

/* ============================================================
   DEAL QUALIFICATION
   ============================================================ */
.deal-qual {
  padding: 5rem 0;
  background: #F8F8F3;
}
.deal-qual__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  align-items: start;
}

.deal-col {
  background: #FFFFFF;
  border-radius: 14px;
  padding: 1.75rem;
  border: 1px solid rgba(1,4,29,0.09);
  box-shadow: 0 2px 12px rgba(1,4,29,0.06);
}
.deal-col--terms {
  background: #01041D;
  border-color: rgba(255,255,255,0.08);
}
.deal-col__header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid rgba(1,4,29,0.08);
}
.deal-col--terms .deal-col__header { border-bottom-color: rgba(255,255,255,0.1); }
.deal-col__header h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: #01041D;
}
.deal-col--terms .deal-col__header h3 { color: #FFFFFF; }
.deal-col__icon {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  flex-shrink: 0;
}
.deal-col__icon--green { background: rgba(34,197,94,0.12); color: #16a34a; }
.deal-col__icon--red { background: rgba(239,68,68,0.12); color: #dc2626; }

.deal-col__list li {
  font-size: 0.95rem;
  color: #374151;
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(1,4,29,0.06);
  padding-left: 0.25rem;
}
.deal-col__list li:last-child { border-bottom: none; }

/* Terms table inside dark col */
.terms-table { margin-bottom: 1.5rem; }
.terms-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.6rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  gap: 0.5rem;
}
.terms-row:last-child { border-bottom: none; }
.terms-key {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  flex-shrink: 0;
}
.terms-val {
  font-size: 0.93rem;
  font-weight: 700;
  color: #FFFFFF;
  text-align: right;
}

@media (max-width: 900px) {
  .deal-qual__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   TYPICAL SPONSOR PROFILE
   ============================================================ */
.borrower { padding: 5rem 0; }
.borrower__stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-bottom: 3rem;
}
.borrower__stat {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 1.75rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.bstat-value {
  font-size: 1.8rem;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1;
  margin-bottom: 0.35rem;
}
.bstat-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}

.borrower__profile {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: start;
}
.borrower__profile-text h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.85rem;
}
.borrower__profile-text p {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.75;
  margin-bottom: 0.85rem;
}
.borrower__checklist {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.bcheck-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255,255,255,0.82);
  padding: 0.7rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.bcheck-item:last-child { border-bottom: none; }
.bcheck-item .fa-check-circle { color: #971BFF; font-size: 1rem; flex-shrink: 0; }

@media (max-width: 900px) {
  .borrower__stats { grid-template-columns: repeat(2, 1fr); }
  .borrower__profile { grid-template-columns: 1fr; }
}

/* ============================================================
   SPEED BANNER
   ============================================================ */
.speed-banner {
  background: #01041D;
  border-top: 1px solid rgba(151,27,255,0.2);
  border-bottom: 1px solid rgba(151,27,255,0.2);
  padding: 0;
  position: relative;
  overflow: hidden;
}
.speed-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 50%, rgba(151,27,255,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.speed-banner__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 3rem 2rem;
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.speed-banner__icon {
  font-size: 2.5rem;
  color: #971BFF;
  flex-shrink: 0;
  filter: drop-shadow(0 0 12px rgba(151,27,255,0.6));
}
.speed-banner__content { flex: 1; min-width: 240px; }
.speed-banner__content h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.5rem;
  line-height: 1.2;
}
.speed-accent {
  background: linear-gradient(90deg, #971BFF, #c46fff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.speed-banner__content p {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
  max-width: 600px;
}
.speed-cta { flex-shrink: 0; }

/* ============================================================
   PORTFOLIO SNAPSHOT
   ============================================================ */
.portfolio {
  padding: 5rem 0;
  background: #FFFFFF;
}
.portfolio__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.deal-card {
  border-radius: 14px;
  overflow: hidden;
  border: 1px solid rgba(1,4,29,0.09);
  box-shadow: 0 2px 16px rgba(1,4,29,0.06);
  transition: box-shadow 0.2s, transform 0.2s;
  background: #FFFFFF;
}
.deal-card:hover {
  box-shadow: 0 8px 32px rgba(1,4,29,0.12);
  transform: translateY(-3px);
}
.deal-card__img-wrap {
  height: 200px;
  overflow: hidden;
  background: #e2e8f0;
}
.deal-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s;
}
.deal-card:hover .deal-card__img-wrap img { transform: scale(1.04); }
.deal-card__body { padding: 1.5rem; }
.deal-card__body h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: #01041D;
  margin-bottom: 0.4rem;
}
.deal-card__location {
  font-size: 0.85rem;
  color: #971BFF;
  font-weight: 600;
  margin-bottom: 1.1rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
}
.deal-card__stats {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  padding-top: 0.85rem;
  border-top: 1px solid rgba(1,4,29,0.07);
}
.deal-stat { display: flex; flex-direction: column; }
.ds-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: #01041D;
  line-height: 1;
}
.ds-key {
  font-size: 0.73rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: rgba(1,4,29,0.45);
  margin-top: 0.2rem;
}

/* ============================================================
   UNDERWRITING APPROACH
   ============================================================ */
.underwriting { padding: 5rem 0; }
.underwriting__layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.underwriting__criteria {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.uw-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: 12px;
  padding: 1.5rem;
}
.uw-card__icon {
  font-size: 1.2rem;
  color: #971BFF;
  margin-bottom: 0.7rem;
}
.uw-card h4 {
  font-size: 0.95rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.5rem;
}
.uw-card p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.58);
  line-height: 1.65;
}

.underwriting__process h3 {
  font-size: 1.1rem;
  font-weight: 800;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.process-step {
  display: flex;
  gap: 1.25rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.process-step:last-child { border-bottom: none; margin-bottom: 0; }
.process-step__num {
  font-size: 2rem;
  font-weight: 800;
  color: rgba(151,27,255,0.35);
  line-height: 1;
  min-width: 48px;
  flex-shrink: 0;
}
.process-step__content h4 {
  font-size: 0.97rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.35rem;
}
.process-step__content p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.58);
  line-height: 1.65;
}

@media (max-width: 900px) {
  .underwriting__layout { grid-template-columns: 1fr; }
  .underwriting__criteria { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .underwriting__criteria { grid-template-columns: 1fr; }
}

/* ============================================================
   REQUIRED DOCUMENTS
   ============================================================ */
.req-docs {
  padding: 5rem 0;
  background: #F8F8F3;
}
.docs__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
.docs-group {
  background: #FFFFFF;
  border-radius: 14px;
  overflow: hidden;
  border: 1px solid rgba(1,4,29,0.09);
  box-shadow: 0 2px 12px rgba(1,4,29,0.05);
}
.docs-group__header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background: #01041D;
  padding: 0.9rem 1.5rem;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
}
.docs-group__icon { color: #971BFF; font-size: 0.9rem; }
.docs-group__items { padding: 0; }
.doc-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.85rem 1.5rem;
  border-bottom: 1px solid rgba(1,4,29,0.06);
  font-size: 0.93rem;
  color: #374151;
  line-height: 1.5;
  transition: background 0.15s;
}
.doc-row:last-child { border-bottom: none; }
.doc-row:hover { background: #F8F8F3; }
.doc-row__check {
  color: #971BFF;
  font-size: 0.75rem;
  margin-top: 0.25rem;
  flex-shrink: 0;
}

@media (max-width: 768px) {
  .docs__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   FAQ
   ============================================================ */
.faq { padding: 5rem 0; }
.faq__list {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  overflow: hidden;
}
.faq-item__q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  padding: 1.2rem 1.5rem;
  font-family: 'Manrope', Helvetica, Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: #FFFFFF;
  text-align: left;
  line-height: 1.45;
  transition: background 0.2s;
}
.faq-item__q:hover { background: rgba(255,255,255,0.04); }
.faq-icon {
  color: #971BFF;
  font-size: 0.85rem;
  flex-shrink: 0;
  transition: transform 0.3s;
}
.faq-item__q[aria-expanded="true"] .faq-icon { transform: rotate(180deg); }
.faq-item__a {
  display: none;
  padding: 0 1.5rem 1.25rem;
  font-size: 0.97rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.75;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.faq-item__a.open { display: block; }
.faq-item__a ul {
  margin-top: 0.75rem;
  padding-left: 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}
.faq-item__a ul li {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.65);
  padding-left: 1.1rem;
  position: relative;
}
.faq-item__a ul li::before {
  content: '·';
  position: absolute;
  left: 0;
  color: #971BFF;
  font-weight: 800;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact {
  padding: 5rem 0;
  background: #FFFFFF;
}
.contact__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  max-width: 860px;
  margin: 0 auto;
}
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  background: #F8F8F3;
  border: 1px solid rgba(1,4,29,0.08);
  border-radius: 14px;
  padding: 2rem;
  transition: box-shadow 0.2s;
}
.contact-card:hover { box-shadow: 0 6px 24px rgba(1,4,29,0.1); }
.contact-card__img {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  flex-shrink: 0;
  border: 2px solid rgba(151,27,255,0.2);
}
.contact-card__info { flex: 1; }
.contact-card__info h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: #01041D;
  margin-bottom: 0.2rem;
}
.contact-card__title {
  font-size: 0.82rem;
  font-weight: 600;
  color: #971BFF;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.contact-card__links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.contact-link {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: #374151;
  transition: color 0.2s;
}
.contact-link:hover { color: #971BFF; }
.contact-link i { color: #971BFF; width: 14px; text-align: center; font-size: 0.8rem; }
.contact-card .btn-outline { margin-top: 0.25rem; align-self: flex-start; }

/* ============================================================
   FINAL CTA
   ============================================================ */
.final-cta { padding: 5rem 0; }
.final-cta .container {
  display: flex;
  justify-content: center;
}
.cta-card {
  background: #FFFFFF;
  border-radius: 20px;
  padding: 3rem 3.5rem;
  text-align: center;
  max-width: 640px;
  width: 100%;
  box-shadow: 0 4px 32px rgba(0,0,0,0.25);
}
.cta-card h2 {
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  font-weight: 800;
  color: #01041D;
  margin-bottom: 0.85rem;
  line-height: 1.2;
}
.cta-card p {
  font-size: 1rem;
  color: #4a5568;
  line-height: 1.7;
  margin-bottom: 2rem;
}
.cta-card__actions {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.cta-card .btn-ghost {
  color: #4a5568;
  border-color: rgba(1,4,29,0.2);
}
.cta-card .btn-ghost:hover {
  background: rgba(1,4,29,0.05);
  border-color: rgba(1,4,29,0.4);
  color: #01041D;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: #01041D;
  padding: 4rem 0 0;
}
.footer__inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 2rem 3rem;
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 2.5rem;
  align-items: start;
}
.footer__links {
  display: contents;
}
.footer__brand img { height: 26px; margin-bottom: 1rem; }
.footer__brand p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.65;
  margin-bottom: 0.5rem;
}
.footer__contact {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}
.footer__col {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.footer__col-heading {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 0.4rem;
}
.footer__col a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer__col a:hover { color: #FFFFFF; }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.25rem 2rem;
  max-width: 1160px;
  margin: 0 auto;
}
.footer__bottom p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.28);
  line-height: 1.6;
}

@media (max-width: 900px) {
  .footer__inner { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}
@media (max-width: 600px) {
  .footer__inner { grid-template-columns: 1fr; gap: 2rem; }
  .cta-card { padding: 2rem 1.5rem; }
}

/* ============================================================
   RESPONSIVE — Global
   ============================================================ */
@media (max-width: 768px) {
  .dark-section, .offers, .portfolio, .contact, .req-docs, .final-cta {
    padding: 3.5rem 0;
  }
  .borrower, .underwriting, .deal-qual {
    padding: 3.5rem 0;
  }
  .hero { padding: 110px 0 60px; }
  .hero__stats { gap: 1.25rem; }
  .deal-qual__grid { grid-template-columns: 1fr; }
  .borrower__stats { grid-template-columns: 1fr 1fr; }
  .speed-banner__inner { flex-direction: column; align-items: flex-start; }
}