/* ============================================================
   AFSL — PUBLIC SITE
   Signature motif: the ascending curve (from the logo swoosh)
   ============================================================ */

/* ═══════════ HERO ═══════════ */

.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  padding-top: calc(var(--nav-h) + var(--s-10));
  padding-bottom: var(--s-16);
  overflow: hidden;
  background:
    radial-gradient(1100px 620px at 82% 8%,  rgba(189,145,75,.10), transparent 62%),
    radial-gradient(900px  700px at 6%  96%, rgba(2,43,100,.07),   transparent 60%),
    var(--paper);
}

/* faint grid — the graph paper a lender works on */
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(2,43,100,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(2,43,100,.035) 1px, transparent 1px);
  background-size: 76px 76px;
  mask-image: radial-gradient(ellipse 90% 70% at 50% 40%, #000, transparent);
  -webkit-mask-image: radial-gradient(ellipse 90% 70% at 50% 40%, #000, transparent);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.06fr .94fr;
  gap: var(--s-16);
  align-items: center;
  width: 100%;
}

.hero-copy { max-width: 620px; }

.hero h1 {
  margin-top: var(--s-5);
  font-weight: 600;
  font-variation-settings: "SOFT" 0, "WONK" 1, "opsz" 60;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold-600);
  font-variation-settings: "SOFT" 8, "WONK" 1, "opsz" 60;
}

.hero-lede { margin-top: var(--s-6); max-width: 50ch; }

.hero-cta { margin-top: var(--s-10); display: flex; gap: var(--s-3); flex-wrap: wrap; }

.hero-proof {
  margin-top: var(--s-12);
  padding-top: var(--s-8);
  border-top: 1px solid var(--line);
  display: flex;
  gap: var(--s-10);
  flex-wrap: wrap;
}
.hero-proof-item { display: flex; flex-direction: column; gap: 2px; }
.hero-proof-num {
  font-family: var(--font-display);
  font-size: var(--fs-2xl);
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
  font-variation-settings: "opsz" 40;
}
.hero-proof-label {
  font-size: var(--fs-2xs);
  font-weight: 700;
  letter-spacing: var(--track-wide);
  text-transform: uppercase;
  color: var(--ink-faint);
}

/* ─── SIGNATURE: the growth panel ─── */

.growth {
  position: relative;
  aspect-ratio: 1/1.02;
  border-radius: var(--r-xl);
  background: var(--g-navy);
  box-shadow: var(--sh-xl);
  overflow: hidden;
  display: grid;
  place-items: center;
}
.growth::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(600px 400px at 78% 6%, rgba(189,145,75,.22), transparent 66%);
  pointer-events: none;
}
.growth svg { width: 100%; height: 100%; }

.growth-label {
  position: absolute;
  left: var(--s-8); bottom: var(--s-8);
  z-index: 2;
}
.growth-label b {
  display: block;
  font-family: var(--font-display);
  font-size: var(--fs-xl);
  font-weight: 600;
  color: #fff;
  letter-spacing: var(--track-snug);
}
.growth-label span {
  font-size: var(--fs-xs);
  color: var(--on-dark-faint);
  letter-spacing: .04em;
}

.growth-tag {
  position: absolute;
  right: var(--s-6); top: var(--s-6);
  z-index: 2;
  display: flex; align-items: center; gap: 7px;
  padding: 8px var(--s-4);
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--r-pill);
  font-size: var(--fs-2xs);
  font-weight: 700;
  letter-spacing: var(--track-wide);
  text-transform: uppercase;
  color: var(--gold-300);
}
.growth-tag i {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold-400);
  animation: pulseDot 2.2s ease-in-out infinite;
}
@keyframes pulseDot {
  0%,100% { opacity: 1; box-shadow: 0 0 0 0 rgba(212,174,114,.55); }
  50%     { opacity: .7; box-shadow: 0 0 0 7px rgba(212,174,114,0); }
}

/* ═══════════ LENDER MARQUEE ═══════════ */

.lenders { padding-block: var(--s-10); border-block: 1px solid var(--line); background: var(--paper-soft); }
.lenders-head {
  text-align: center;
  font-size: var(--fs-2xs);
  font-weight: 700;
  letter-spacing: var(--track-wider);
  text-transform: uppercase;
  color: var(--ink-faint);
  margin-bottom: var(--s-6);
}

/* ═══════════ SECTION HEADS ═══════════ */

.sec-head { max-width: 660px; margin-bottom: var(--s-16); }
.sec-head h2 { margin-top: var(--s-4); }
.sec-head p { margin-top: var(--s-5); }
.sec-head-center { margin-inline: auto; text-align: center; }
.sec-head-center .eyebrow { justify-content: center; }
.sec-head-center p { margin-inline: auto; }

/* ═══════════ PRODUCT GRID ═══════════ */

.prod-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(268px, 1fr));
  gap: var(--s-5);
}

.prod {
  position: relative;
  display: flex; flex-direction: column;
  gap: var(--s-5);
  padding: var(--s-8);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: transform var(--t-base) var(--e-out),
              box-shadow var(--t-base) var(--e-out),
              border-color var(--t-base) var(--e-out);
}
.prod:hover {
  transform: translateY(-6px);
  box-shadow: var(--sh-lg);
  border-color: transparent;
}
/* the ascending arc — logo swoosh, repeated with discipline */
.prod::before {
  content: "";
  position: absolute;
  left: -30%; bottom: -78%;
  width: 160%; aspect-ratio: 2/1;
  border-radius: 50%;
  border-top: 1.5px solid var(--line-gold);
  opacity: 0;
  transform: translateY(20px) rotate(-6deg);
  transition: opacity var(--t-slow) var(--e-out), transform var(--t-slow) var(--e-out);
  pointer-events: none;
}
.prod:hover::before { opacity: 1; transform: translateY(0) rotate(-6deg); }

.prod h3 { font-size: var(--fs-lg); }
.prod p { font-size: var(--fs-sm); color: var(--ink-soft); flex: 1; }

.prod-sub {
  display: flex; flex-wrap: wrap; gap: 6px;
  padding-top: var(--s-4);
  border-top: 1px solid var(--line);
}
.prod-sub span {
  padding: 4px 10px;
  font-size: var(--fs-2xs);
  font-weight: 600;
  color: var(--gold-700);
  background: var(--sand);
  border-radius: var(--r-pill);
}

/* ═══════════ PROCESS (real sequence — numbering earned) ═══════════ */

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.steps::before {
  content: "";
  position: absolute;
  top: 27px; left: 12%; right: 12%;
  height: 1px;
  background: linear-gradient(90deg, var(--line-gold), var(--gold), var(--line-gold));
}
.step { position: relative; padding: 0 var(--s-5); text-align: center; }
.step-num {
  position: relative;
  display: grid; place-items: center;
  width: 54px; height: 54px;
  margin: 0 auto var(--s-6);
  background: var(--paper);
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  font-family: var(--font-display);
  font-size: var(--fs-lg);
  font-weight: 600;
  color: var(--navy);
  z-index: 1;
  transition: all var(--t-base) var(--e-spring);
}
.step:hover .step-num {
  background: var(--g-gold);
  border-color: transparent;
  color: #fff;
  transform: scale(1.08);
  box-shadow: var(--sh-gold);
}
.step h3 { font-size: var(--fs-base); font-family: var(--font-body); font-weight: 700; }
.step p { font-size: var(--fs-sm); color: var(--ink-soft); margin-top: var(--s-3); }

/* ═══════════ EARNINGS BAND (the one bold moment) ═══════════ */

.earn {
  position: relative;
  background: var(--g-navy);
  border-radius: var(--r-xl);
  padding: clamp(var(--s-10), 6vw, var(--s-24));
  overflow: hidden;
  color: var(--on-dark-soft);
}
.earn::before {
  content: "";
  position: absolute;
  right: -14%; top: -34%;
  width: 62%; aspect-ratio: 1;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(189,145,75,.24), transparent 66%);
}
.earn::after {
  content: "";
  position: absolute;
  left: -10%; bottom: -60%;
  width: 70%; aspect-ratio: 2/1;
  border-radius: 50%;
  border-top: 1px solid rgba(189,145,75,.32);
}
.earn-inner { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-16); align-items: center; }
.earn h2 { color: #fff; }
.earn-stats { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-8); }
.earn-stat { }
.earn-stat b {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.6vw, var(--fs-3xl));
  font-weight: 600;
  color: var(--gold-300);
  line-height: 1;
  font-variation-settings: "opsz" 40;
}
.earn-stat span {
  display: block;
  margin-top: var(--s-3);
  font-size: var(--fs-xs);
  color: var(--on-dark-faint);
  line-height: 1.5;
}

/* ═══════════ TESTIMONIALS ═══════════ */

.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s-5); }
.quote {
  display: flex; flex-direction: column;
  gap: var(--s-6);
  padding: var(--s-8);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  transition: transform var(--t-base) var(--e-out), box-shadow var(--t-base) var(--e-out);
}
.quote:hover { transform: translateY(-4px); box-shadow: var(--sh-md); }
.quote-mark { font-family: var(--font-display); font-size: 3rem; line-height: .6; color: var(--gold); opacity: .5; }
.quote p { font-size: var(--fs-sm); color: var(--ink-body); flex: 1; }
.quote-by { display: flex; align-items: center; gap: var(--s-3); padding-top: var(--s-5); border-top: 1px solid var(--line); }
.quote-av {
  display: grid; place-items: center;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--g-navy);
  color: #fff;
  font-size: var(--fs-sm);
  font-weight: 700;
  flex: none;
}
.quote-by b { display: block; font-size: var(--fs-sm); color: var(--ink); }
.quote-by span { font-size: var(--fs-xs); color: var(--ink-faint); }

/* ═══════════ FAQ ═══════════ */

.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: var(--s-16); align-items: start; }

/* ═══════════ CTA STRIP ═══════════ */

.cta-strip {
  position: relative;
  text-align: center;
  padding: clamp(var(--s-16), 8vw, var(--s-32)) var(--s-6);
  background:
    radial-gradient(900px 500px at 50% 0%, rgba(189,145,75,.11), transparent 66%),
    var(--sand);
  overflow: hidden;
}
.cta-strip h2 { max-width: 16ch; margin-inline: auto; }
.cta-strip p { margin: var(--s-6) auto 0; }
.cta-strip .row { justify-content: center; margin-top: var(--s-10); }

/* ═══════════ PAGE HEADER (inner pages) ═══════════ */

.page-head {
  position: relative;
  padding-top: calc(var(--nav-h) + var(--s-20));
  padding-bottom: var(--s-16);
  background:
    radial-gradient(800px 420px at 78% 0%, rgba(189,145,75,.10), transparent 62%),
    var(--paper-soft);
  border-bottom: 1px solid var(--line);
  overflow: hidden;
}
.page-head::before {
  content: "";
  position: absolute;
  left: -8%; bottom: -74%;
  width: 60%; aspect-ratio: 2/1;
  border-radius: 50%;
  border-top: 1px solid var(--line-gold);
  pointer-events: none;
}
.page-head h1 { margin-top: var(--s-4); font-size: clamp(2.25rem, 5vw, var(--fs-4xl)); }
.page-head p { margin-top: var(--s-5); max-width: 58ch; }

.crumb { display: flex; align-items: center; gap: var(--s-2); font-size: var(--fs-xs); color: var(--ink-faint); margin-bottom: var(--s-5); }
.crumb a:hover { color: var(--navy); }
.crumb svg { width: 13px; height: 13px; }

/* ═══════════ ABOUT — VALUES ═══════════ */

.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s-5); }
.value { padding: var(--s-8); border: 1px solid var(--line); border-radius: var(--r-lg); background: var(--paper); }
.value h3 { font-size: var(--fs-base); font-family: var(--font-body); font-weight: 700; margin-top: var(--s-5); }
.value p { font-size: var(--fs-sm); color: var(--ink-soft); margin-top: var(--s-3); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-16); align-items: center; }
.split-media {
  aspect-ratio: 4/3;
  border-radius: var(--r-xl);
  background: var(--g-navy);
  box-shadow: var(--sh-lg);
  position: relative;
  overflow: hidden;
  display: grid; place-items: center;
}
.split-media::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(520px 340px at 74% 12%, rgba(189,145,75,.2), transparent 66%);
}
.split-media img { width: 62%; opacity: .96; position: relative; z-index: 1; }

/* ═══════════ LENDER PANEL (services page) ═══════════ */

.panel-cols { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-8); }
.panel-col h3 {
  font-family: var(--font-body);
  font-size: var(--fs-sm);
  font-weight: 700;
  letter-spacing: var(--track-wide);
  text-transform: uppercase;
  color: var(--gold-700);
  padding-bottom: var(--s-4);
  border-bottom: 1px solid var(--line-gold);
  margin-bottom: var(--s-5);
}
.panel-list { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-2) var(--s-5); }
.panel-list li {
  display: flex; align-items: center; gap: var(--s-3);
  padding: 9px 0;
  font-size: var(--fs-sm);
  color: var(--ink-body);
  border-bottom: 1px solid var(--line);
}
.panel-list li svg { width: 15px; height: 15px; color: var(--gold); flex: none; }

/* ═══════════ CONTACT ═══════════ */

.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: var(--s-16); align-items: start; }
.contact-card {
  display: flex; align-items: flex-start; gap: var(--s-4);
  padding: var(--s-6);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  transition: all var(--t-base) var(--e-out);
}
.contact-card:hover { border-color: var(--line-gold); box-shadow: var(--sh-sm); }
.contact-card b { display: block; font-size: var(--fs-sm); color: var(--ink); }
.contact-card span, .contact-card a { font-size: var(--fs-sm); color: var(--ink-soft); }
.contact-card a:hover { color: var(--navy); }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-4); }

/* ═══════════ POLICY PAGES ═══════════ */

.policy { display: grid; grid-template-columns: 240px 1fr; gap: var(--s-16); align-items: start; }
.policy-nav { position: sticky; top: calc(var(--nav-h) + var(--s-6)); }
.policy-nav a {
  display: block;
  padding: 9px var(--s-4);
  font-size: var(--fs-sm);
  color: var(--ink-soft);
  border-left: 2px solid var(--line);
  transition: all var(--t-fast) var(--e-out);
}
.policy-nav a:hover { color: var(--navy); border-left-color: var(--gold); }
.policy-nav a.is-active { color: var(--navy); font-weight: 700; border-left-color: var(--gold); }

.policy-body h2 {
  font-size: var(--fs-xl);
  margin-top: var(--s-12);
  padding-top: var(--s-8);
  border-top: 1px solid var(--line);
  scroll-margin-top: calc(var(--nav-h) + var(--s-6));
}
.policy-body h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.policy-body h3 { font-family: var(--font-body); font-size: var(--fs-base); font-weight: 700; margin-top: var(--s-8); }
.policy-body p, .policy-body li { font-size: var(--fs-sm); color: var(--ink-body); margin-top: var(--s-4); }
.policy-body ul { padding-left: var(--s-5); }
.policy-body li { list-style: disc; margin-top: var(--s-2); }
.policy-meta {
  display: inline-flex; align-items: center; gap: var(--s-2);
  padding: 7px var(--s-4);
  background: var(--mist);
  border-radius: var(--r-pill);
  font-size: var(--fs-xs);
  color: var(--ink-soft);
}

/* ═══════════ REVEAL (JS-driven) ═══════════ */

[data-reveal] { opacity: 0; transform: translateY(26px); }
[data-reveal-x] { opacity: 0; transform: translateX(-26px); }

/* ═══════════ RESPONSIVE ═══════════ */

@media (max-width: 1080px) {
  .hero-inner { grid-template-columns: 1fr; gap: var(--s-12); }
  .growth { max-width: 480px; margin-inline: auto; aspect-ratio: 1/.9; }
  .earn-inner { grid-template-columns: 1fr; gap: var(--s-10); }
  .faq-wrap { grid-template-columns: 1fr; gap: var(--s-10); }
  .contact-grid { grid-template-columns: 1fr; gap: var(--s-10); }
  .split { grid-template-columns: 1fr; gap: var(--s-10); }
  .policy { grid-template-columns: 1fr; gap: var(--s-8); }
  .policy-nav { position: static; display: flex; flex-wrap: wrap; gap: var(--s-2); }
  .policy-nav a { border-left: 0; border-bottom: 2px solid var(--line); }
}

@media (max-width: 860px) {
  .steps { grid-template-columns: 1fr 1fr; gap: var(--s-10) 0; }
  .steps::before { display: none; }
  .quotes { grid-template-columns: 1fr; }
  .values { grid-template-columns: 1fr; }
  .panel-cols { grid-template-columns: 1fr; gap: var(--s-10); }
}

@media (max-width: 600px) {
  .hero { min-height: auto; padding-top: calc(var(--nav-h) + var(--s-12)); }
  .hero-proof { gap: var(--s-8); }
  .steps { grid-template-columns: 1fr; }
  .earn-stats { grid-template-columns: 1fr; gap: var(--s-6); }
  .form-row { grid-template-columns: 1fr; }
  .panel-list { grid-template-columns: 1fr; }
  .sec-head { margin-bottom: var(--s-10); }
}

/* ─── Lender panel with marks ─── */
.panel-list-logos { grid-template-columns: 1fr; }
.panel-list-logos li { gap: var(--s-4); padding: 11px 0; }
.panel-list-logos img { border-radius: 7px; }
.panel-list-logos span { font-size: var(--fs-sm); color: var(--ink-body); }

.marquee-logo::before { display: none; }
.marquee-logo { gap: var(--s-3); }
.marquee-logo img { border-radius: 6px; flex: none; }

@media (min-width: 861px) {
  .panel-list-logos { grid-template-columns: 1fr 1fr; }
}