/* Funded Funding — real-estate investor site
   Navy + teal from the brand logo. Not a GHL template. */

:root {
  --navy: #0a1f36;
  --navy-2: #122c4a;
  --navy-3: #1b3d5c;
  --ink: #14202e;
  --teal: #1a9b9b;
  --teal-dk: #127c7c;
  --teal-soft: #d7efef;
  --gold: #c4a574;
  --cream: #f3eee4;
  --paper: #fbf8f3;
  --white: #ffffff;
  --line: #d8d0c2;
  --muted: #5c6876;
  --danger: #8b3a3a;
  --shadow: 0 12px 40px rgba(10, 31, 54, 0.08);
  --radius: 14px;
  --max: 1120px;
  --apply: /apply/;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  font-size: 18px;
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-dk); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 {
  font-family: "Fraunces", "Iowan Old Style", Georgia, serif;
  font-weight: 560;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 0.6em;
}
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }

.wrap { width: min(var(--max), calc(100% - 40px)); margin-inline: auto; }
.skip {
  position: absolute; left: -999px; top: 0;
}
.skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px 12px; z-index: 20; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(251, 248, 243, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; gap: 20px;
  min-height: 76px;
}
.logo { display: flex; align-items: center; flex: 0 0 auto; }
.logo img { height: 54px; width: auto; }
.nav {
  display: flex; align-items: center; gap: 22px;
  margin-left: auto;
}
.nav a {
  color: var(--navy);
  text-decoration: none;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.nav a:hover { color: var(--teal-dk); }
.phone {
  color: var(--navy) !important;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px;
  background: var(--teal);
  color: #fff !important;
  text-decoration: none !important;
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.02em;
  padding: 12px 18px;
  border-radius: 999px;
  border: 1px solid transparent;
  transition: background .15s ease, transform .15s ease;
}
.btn:hover { background: var(--teal-dk); color: #fff !important; }
.btn-ghost {
  background: transparent;
  color: #fff !important;
  border-color: rgba(255,255,255,.35);
}
.btn-ghost:hover { background: rgba(255,255,255,.08); }
.btn-navy { background: var(--navy); }
.btn-navy:hover { background: var(--navy-2); }
.menu-toggle {
  display: none;
  margin-left: auto;
  background: none; border: 1px solid var(--line);
  border-radius: 8px; padding: 8px 10px; cursor: pointer;
  font: inherit; font-weight: 700; color: var(--navy);
}

/* Hero */
.hero {
  background:
    radial-gradient(900px 420px at 85% 10%, rgba(26,155,155,.22), transparent 55%),
    linear-gradient(180deg, var(--navy) 0%, #071525 100%);
  color: var(--cream);
  padding: 72px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 1; }
.kicker {
  display: inline-block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  max-width: 16ch;
  color: #fff;
  margin-bottom: 18px;
}
.hero-wide h1 { max-width: 18ch; }
.hero-wide .lede { max-width: 48ch; }
.hero .lede {
  font-size: 1.2rem;
  max-width: 42ch;
  color: #d7e0e8;
  margin-bottom: 28px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  border: 1px solid rgba(196,165,116,.4);
  color: #e8dcc6;
  font-size: 13px;
  font-weight: 600;
  padding: 6px 10px;
  border-radius: 999px;
}

/* Sections */
.section { padding: 72px 0; }
.section h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); }
.section-head { max-width: 46ch; margin-bottom: 36px; }
.muted { color: var(--muted); }
.band { background: var(--cream); }
.navy-band { background: var(--navy); color: var(--cream); }
.navy-band h2, .navy-band h3 { color: #fff; }

/* Why / honest proof */
.facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.fact {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 22px 18px;
  box-shadow: var(--shadow);
}
.fact strong { display: block; font-size: 1.05rem; margin-bottom: 6px; color: var(--navy); }

/* Products */
.products {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
.product {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
  display: flex; flex-direction: column;
}
.product:last-child { grid-column: 1 / -1; }
.products.thirds { grid-template-columns: repeat(3, 1fr); }
.products.thirds .product:last-child { grid-column: auto; }
.product h3 { font-size: 1.55rem; margin-bottom: 8px; }
.product .pitch { color: var(--muted); margin-bottom: 14px; }
.terms { list-style: none; padding: 0; margin: 0 0 20px; }
.terms li {
  padding: 8px 0 8px 18px;
  border-top: 1px solid var(--line);
  position: relative;
  font-size: 16px;
}
.terms li::before {
  content: "";
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--teal);
  position: absolute; left: 0; top: 15px;
}
.product .btn { align-self: flex-start; margin-top: auto; }
.product-video {
  width: min(100%, 300px);
  margin: 0 0 20px;
  padding: 0;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--navy);
  aspect-ratio: 9 / 16;
}
.product-video video {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: inherit;
  vertical-align: middle;
}

/* Process */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  counter-reset: step;
}
.step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 22px 20px;
  border: 1px solid var(--line);
  position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  display: block;
  font-family: "Fraunces", Georgia, serif;
  color: var(--teal);
  font-size: 1.4rem;
  margin-bottom: 8px;
}
.step h3 { font-size: 1.2rem; }

/* About */
.about-grid {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 36px;
  align-items: start;
}
.note {
  background: var(--navy);
  color: var(--cream);
  padding: 26px;
  border-radius: var(--radius);
}
.note h3 { color: #fff; }
.note p:last-child { margin-bottom: 0; }

/* CTA band */
.cta-band { text-align: center; padding: 80px 0; }
.cta-band h2 { font-size: clamp(2rem, 4vw, 2.8rem); }
.cta-band .lede { max-width: 40ch; margin: 0 auto 24px; color: #c9d4de; }

/* Footer */
.site-footer {
  background: #071525;
  color: #b7c2cc;
  padding: 40px 0 28px;
  font-size: 15px;
}
.footer-top {
  display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  margin-bottom: 24px;
}
.footer-nav { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-nav a, .site-footer a { color: #e8dcc6; }
.fine {
  border-top: 1px solid #1b3148;
  padding-top: 16px;
  color: #8b98a6;
  font-size: 13px;
  max-width: 80ch;
}

/* Blog */
.page-hero {
  background: var(--navy);
  color: #fff;
  padding: 56px 0 48px;
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); }
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  display: flex; flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.card img { aspect-ratio: 16/10; object-fit: cover; width: 100%; }
.card-cover-brand,
.post-cover-brand {
  aspect-ratio: 16 / 10;
  background:
    radial-gradient(640px 280px at 82% 0%, rgba(26,155,155,.28), transparent 55%),
    linear-gradient(180deg, var(--navy) 0%, #071525 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
}
.card-cover-brand img,
.post-cover-brand img {
  aspect-ratio: auto;
  object-fit: contain;
  width: auto;
  height: 48%;
  max-width: 56%;
  background: transparent;
  border-radius: 8px;
  padding: 0;
}
.card-cover-brand span,
.post-cover-brand span {
  font-family: "Fraunces", Georgia, serif;
  color: #e8dcc6;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 0.95rem;
  font-weight: 600;
}
.post-cover-brand {
  width: 100%;
  max-height: 420px;
  border-radius: var(--radius);
  margin-bottom: 28px;
}

.card-body { padding: 20px 20px 22px; display: flex; flex-direction: column; flex: 1; }
.card time, .meta { color: var(--muted); font-size: 14px; }
.card h2 { font-size: 1.35rem; margin: 8px 0 10px; color: var(--navy); }
.card p { color: var(--muted); font-size: 16px; }
.card .more { margin-top: auto; font-weight: 700; color: var(--teal-dk); }

article.post { padding: 48px 0 72px; }
.post-cover {
  width: 100%; max-height: 420px; object-fit: cover;
  border-radius: var(--radius);
  margin-bottom: 28px;
}
.post-body { max-width: 72ch; }
.post-body h2 { margin-top: 1.6em; }
.post-body h3 { margin-top: 1.2em; font-size: 1.2rem; }
.post-cta {
  margin-top: 40px;
  padding: 24px;
  background: var(--cream);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}

/* Biz-credit lander */
.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.stat {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 18px;
  text-align: center;
  box-shadow: var(--shadow);
}
.stat strong {
  display: block;
  font-family: "Fraunces", Georgia, serif;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--navy);
  margin-bottom: 6px;
}
.uses {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin: 0;
  padding: 0;
  list-style: none;
}
.uses li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
}
.faq {
  display: grid;
  gap: 10px;
  max-width: 72ch;
}
.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 18px;
}
.faq summary {
  font-weight: 700;
  cursor: pointer;
  color: var(--navy);
}
.faq details p { margin: 12px 0 0; color: var(--muted); }
.results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.result {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
}
.result strong {
  display: block;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.8rem;
  color: var(--navy);
  margin-bottom: 6px;
}

/* Privacy / 404 */
.simple { padding: 64px 0 80px; max-width: 72ch; }
.simple h1 { font-size: clamp(2rem, 4vw, 2.8rem); }
.err-code {
  font-family: "Fraunces", Georgia, serif;
  color: var(--teal);
  font-size: 1.1rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

/* Native apply */
.apply-section { padding-top: 48px; }
.apply-layout {
  display: grid;
  grid-template-columns: 1.4fr .7fr;
  gap: 36px;
  align-items: start;
}
.apply-form, .apply-success {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.apply-success h2 { color: var(--navy); }
.apply-steps {
  display: flex; flex-wrap: wrap; gap: 8px;
  list-style: none; padding: 0; margin: 0 0 24px;
}
.apply-steps li {
  font-size: 13px; font-weight: 700; color: var(--muted);
  padding: 6px 10px; border-radius: 999px; border: 1px solid var(--line);
}
.apply-steps li.is-active { color: #fff; background: var(--navy); border-color: var(--navy); }
.apply-steps li.is-done { color: var(--teal-dk); border-color: var(--teal); }
.apply-panel { border: 0; padding: 0; margin: 0 0 8px; min-width: 0; }
.apply-panel legend {
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 16px;
}
.apply-label { font-weight: 700; color: var(--navy); margin: 0 0 8px; }
.apply-field { display: flex; flex-direction: column; gap: 6px; font-weight: 600; color: var(--navy); }
.apply-field input, .apply-field select, .apply-field textarea {
  font: inherit; font-weight: 400; color: var(--ink);
  border: 1px solid var(--line); border-radius: 10px;
  padding: 10px 12px; background: var(--paper);
}
.apply-field input:focus, .apply-field select:focus, .apply-field textarea:focus {
  outline: 2px solid var(--teal); outline-offset: 1px;
}
.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 16px;
}
.apply-span-2 { grid-column: 1 / -1; }
.apply-radios { display: grid; gap: 8px; margin: 0 0 18px; }
.apply-radios label {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 12px; border: 1px solid var(--line);
  border-radius: 10px; background: var(--paper); cursor: pointer;
}
.apply-radios input { accent-color: var(--teal); }
.req { color: var(--danger); }
.apply-error {
  background: #f8eaea; color: var(--danger);
  border: 1px solid #e2c4c4; border-radius: 10px; padding: 10px 12px;
}
.apply-warn {
  background: #f6efe3; color: var(--navy);
  border: 1px solid var(--gold); border-radius: 10px; padding: 10px 12px;
}
.apply-nav { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.btn-ghost-ink {
  background: transparent; color: var(--navy) !important;
  border-color: var(--line);
}
.btn-ghost-ink:hover { background: var(--cream); color: var(--navy) !important; }
.apply-form button { cursor: pointer; }
.hp-field {
  position: absolute; left: -9999px; height: 0; overflow: hidden;
}

@media (max-width: 900px) {
  .facts, .steps, .cards, .stats, .results, .uses, .apply-layout, .apply-grid { grid-template-columns: 1fr; }
  .products { grid-template-columns: 1fr; }
  .products.thirds { grid-template-columns: 1fr; }
  .product:last-child { grid-column: auto; }
  .about-grid { grid-template-columns: 1fr; }
  .menu-toggle { display: inline-flex; }
  .nav {
    display: none;
    position: absolute; left: 0; right: 0; top: 76px;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: flex-start;
    padding: 16px 20px 20px;
    gap: 14px;
  }
  .nav.open { display: flex; }
  .header-inner { position: relative; }
}
@media (max-width: 520px) {
  .wrap { width: min(var(--max), calc(100% - 28px)); }
  .hero { padding: 48px 0 56px; }
  .section { padding: 52px 0; }
  .logo img { height: 46px; }
}