:root{
    --ink:#14100d;
    --ink-2:#1c1713;
    --ink-3:#251f1a;
    --bone:#ece2d2;
    --bone-dim:#b3a795;
    --muted:#8a7f71;
    --copper:#b5794d;
    --copper-hi:#d0915f;
    --rule:rgba(236,226,210,.14);
    --rule-strong:rgba(236,226,210,.28);
    --serif:'Cinzel', 'Trajan Pro', Georgia, serif;
    --sans:'Montserrat', 'Helvetica Neue', Arial, sans-serif;
    --mono:'Montserrat', 'Helvetica Neue', Arial, sans-serif;
    --gutter:clamp(20px, 4vw, 56px);
  }
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{
    background:var(--ink);
    color:var(--bone);
    font-family:var(--sans);
    font-size:16px;
    line-height:1.7;
    font-weight:400;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  a{color:inherit;text-decoration:none;}
  img{display:block;max-width:100%;}
  ::selection{background:var(--copper);color:var(--ink);}

  .wrap{max-width:1320px;margin:0 auto;padding:0 var(--gutter);}
  .label{
    font-family:var(--mono);
    font-size:11.5px;
    font-weight:600;
    letter-spacing:.28em;
    text-transform:uppercase;
    color:var(--copper);
  }
  .label.dim{color:var(--muted);}
  h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.12;letter-spacing:.01em;}

  /* ---------- Header ---------- */
  header{
    position:fixed;top:0;left:0;right:0;z-index:50;
    transition:background .35s ease, border-color .35s ease;
    border-bottom:1px solid transparent;
  }
  header::before{content:"";position:absolute;inset:0 0 -30px;z-index:-1;background:linear-gradient(180deg, rgba(20,16,13,.75), rgba(20,16,13,0));transition:opacity .35s;pointer-events:none;}
  header.solid::before{opacity:0;}
  header.solid{background:rgba(20,16,13,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-color:var(--rule);}
  .bar{display:flex;align-items:center;justify-content:space-between;height:76px;}
  .brand{display:flex;align-items:center;gap:14px;}
  .brand img{height:46px;width:auto;}
  nav ul{list-style:none;display:flex;gap:34px;align-items:center;}
  nav a{font-size:13px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--bone-dim);transition:color .2s;}
  nav a:hover{color:var(--bone);}
  nav a.cta{color:var(--ink);background:var(--bone);padding:11px 18px;}
  nav a.cta:hover{background:var(--copper-hi);color:var(--ink);}
  .menu-btn{display:none;background:none;border:1px solid var(--rule-strong);color:var(--bone);font-family:var(--mono);font-size:12px;letter-spacing:.12em;padding:9px 12px;cursor:pointer;}

  /* ---------- Hero ---------- */
  .hero{
    position:relative;min-height:100vh;min-height:100svh;
    display:flex;align-items:flex-end;
    background:var(--ink) url('desert_sunset.jpg') 62% 40%/cover no-repeat;
    isolation:isolate;
  }
  .hero::before{
    content:"";position:absolute;inset:0;z-index:-1;
    background:
      linear-gradient(90deg, rgba(20,16,13,.92) 0%, rgba(20,16,13,.62) 42%, rgba(20,16,13,.08) 75%),
      linear-gradient(0deg, var(--ink) 0%, rgba(20,16,13,0) 38%);
  }
  .hero-inner{width:100%;padding-top:140px;padding-bottom:64px;}
  .hero h1{
    font-size:clamp(34px, 5.2vw, 78px);
    max-width:14em;
    margin:22px 0 30px;
  }
  .hero h1 em{font-style:normal;color:var(--copper-hi);}
  .hero-foot{
    display:grid;grid-template-columns:minmax(0,560px) 1fr;gap:40px;align-items:end;
  }
  .hero p.lead{font-size:clamp(17px,1.4vw,19px);color:var(--bone-dim);max-width:34em;}
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;}
  .btn{
    display:inline-flex;align-items:center;gap:12px;
    font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
    padding:17px 24px;border:1px solid var(--bone);cursor:pointer;
    transition:background .2s, color .2s, border-color .2s;
    background:none;color:var(--bone);font-family:var(--sans);
  }
  .btn.fill{background:var(--copper);border-color:var(--copper);color:var(--ink);}
  .btn.fill:hover{background:var(--copper-hi);border-color:var(--copper-hi);}
  .btn:not(.fill):hover{background:var(--bone);color:var(--ink);}
  .btn .arr{transition:transform .2s;}
  .btn:hover .arr{transform:translateX(4px);}
  .coords{justify-self:end;text-align:right;font-family:var(--mono);font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--bone-dim);line-height:1.9;}

  /* ---------- Facts bar ---------- */
  .facts{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);}
  .facts .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;}
  .fact{padding:30px 28px 30px 0;}
  .fact + .fact{padding-left:28px;border-left:1px solid var(--rule);}
  .fact b{display:block;font-family:var(--serif);font-weight:500;font-size:24px;line-height:1.1;margin-bottom:6px;}
  .fact span{font-size:14px;color:var(--bone-dim);}

  section{padding:clamp(88px, 11vw, 150px) 0;}

  /* ---------- Services ledger ---------- */
  .split{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(32px,5vw,88px);}
  .split-head{position:sticky;top:120px;align-self:start;}
  .split-head h2{font-size:clamp(30px,3.4vw,50px);margin:18px 0 22px;}
  .split-head p{color:var(--bone-dim);max-width:24em;}
  .ledger{list-style:none;border-top:1px solid var(--rule-strong);}
  .ledger li{
    display:grid;grid-template-columns:64px minmax(0,1fr);gap:8px 20px;
    padding:30px 0 32px;border-bottom:1px solid var(--rule);
    position:relative;
  }
  .ledger li::after{
    content:"";position:absolute;left:0;bottom:-1px;height:1px;width:0;background:var(--copper);
    transition:width .5s cubic-bezier(.2,.7,.2,1);
  }
  .ledger li:hover::after{width:100%;}
  .ledger .n{font-family:var(--serif);font-size:18px;color:var(--copper);padding-top:4px;}
  .ledger h3{font-size:clamp(20px,1.8vw,26px);margin-bottom:10px;transition:color .25s;}
  .ledger li:hover h3{color:var(--copper-hi);}
  .ledger p{color:var(--bone-dim);max-width:40em;font-size:16px;}

  /* ---------- Loan Check ---------- */
  .check{background:var(--bone);color:var(--ink);}
  .check .label{color:#8a5a37;}
  .check-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,5vw,80px);align-items:start;}
  .check h2{font-size:clamp(32px,3.6vw,54px);margin:18px 0 24px;}
  .check-intro p{color:#4c4238;max-width:26em;margin-bottom:16px;}
  .check-intro .fine{font-size:13px;color:#7a6d60;border-left:2px solid #8a5a37;padding-left:14px;margin-top:28px;}
  .tool{background:#f6efe3;border:1px solid #d6c8b3;box-shadow:12px 12px 0 #d9ccb8;}
  .tool-top{display:flex;justify-content:space-between;align-items:center;padding:16px 26px;border-bottom:1px solid #d6c8b3;font-family:var(--mono);font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:#7a6d60;}
  .progress{height:3px;background:#e4d8c6;}
  .progress i{display:block;height:100%;width:0;background:#8a5a37;transition:width .4s ease;}
  .step{padding:34px 26px 30px;display:none;}
  .step.on{display:block;animation:rise .4s ease both;}
  @keyframes rise{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:none;}}
  .step h3{font-size:clamp(21px,2vw,27px);margin-bottom:22px;}
  .opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  .opt{
    text-align:left;font-family:var(--sans);font-size:15px;color:var(--ink);
    background:#fff;border:1px solid #d6c8b3;padding:15px 16px;cursor:pointer;
    display:flex;gap:12px;align-items:baseline;transition:border-color .15s, background .15s;
  }
  .opt .k{font-family:var(--serif);font-size:13px;font-weight:600;color:#9a8b7a;}
  .opt:hover{border-color:var(--ink);}
  .opt.sel{background:var(--ink);color:var(--bone);border-color:var(--ink);}
  .opt.sel .k{color:var(--copper-hi);}
  .opt small{display:block;color:#7a6d60;font-size:13px;margin-top:2px;}
  .opt.sel small{color:var(--bone-dim);}
  .step-nav{display:flex;justify-content:space-between;align-items:center;padding:0 26px 26px;}
  .back{background:none;border:none;font-family:var(--mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:#7a6d60;cursor:pointer;padding:6px 0;}
  .back:hover{color:var(--ink);}
  .back[hidden]{visibility:hidden;display:block;}
  .result{padding:34px 26px 30px;display:none;}
  .result.on{display:block;animation:rise .4s ease both;}
  .result .verdict{font-size:clamp(24px,2.4vw,34px);margin:12px 0 14px;}
  .result .why{color:#4c4238;margin-bottom:22px;}
  .also{font-size:15px;color:#4c4238;margin-bottom:24px;}
  .also b{font-weight:600;color:var(--ink);}
  .summary{border-top:1px solid #d6c8b3;margin-bottom:24px;}
  .summary div{display:grid;grid-template-columns:130px 1fr;gap:12px;padding:9px 0;border-bottom:1px dashed #d6c8b3;font-size:14px;}
  .summary dt{font-family:var(--mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#7a6d60;padding-top:3px;}
  .fields{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px;}
  .fields input{font-family:var(--sans);font-size:15px;padding:14px;border:1px solid #d6c8b3;background:#fff;color:var(--ink);width:100%;}
  .fields input:focus, .opt:focus-visible, .btn:focus-visible{outline:2px solid #8a5a37;outline-offset:2px;}
  .check .btn{border-color:var(--ink);color:var(--ink);}
  .check .btn.fill{background:var(--ink);color:var(--bone);}
  .check .btn.fill:hover{background:#8a5a37;border-color:#8a5a37;}
  .check .btn:not(.fill):hover{background:var(--ink);color:var(--bone);}
  .result .note{font-size:12.5px;color:#7a6d60;margin-top:16px;}

  /* ---------- Founder ---------- */
  .founder-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,6vw,100px);align-items:center;}
  .big-n{font-family:var(--serif);font-weight:500;font-size:clamp(130px,18vw,260px);line-height:.85;color:var(--copper);letter-spacing:-.02em;}
  .big-n sup{font-size:.35em;vertical-align:top;position:relative;top:.15em;margin-left:.04em;}
  .big-cap{font-family:var(--mono);font-size:11.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--bone-dim);margin-top:22px;max-width:22em;line-height:1.8;}
  .founder h2{font-size:clamp(28px,2.8vw,42px);margin:18px 0 26px;}
  .founder p{color:var(--bone-dim);margin-bottom:18px;max-width:36em;}
  .sig{display:flex;align-items:center;gap:16px;margin-top:34px;padding-top:26px;border-top:1px solid var(--rule);}
  .sig img{width:44px;}
  .sig b{font-family:var(--serif);font-weight:500;font-size:20px;display:block;line-height:1.2;}
  .sig span{font-size:13px;color:var(--muted);}

  /* ---------- Process ---------- */
  .process{border-top:1px solid var(--rule);}
  .process-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:64px;flex-wrap:wrap;}
  .process-head h2{font-size:clamp(30px,3.4vw,50px);margin-top:18px;}
  .process-head p{color:var(--bone-dim);max-width:26em;}
  .steps{display:grid;grid-template-columns:repeat(4,1fr);counter-reset:s;}
  .steps div{padding:0 26px 0 0;position:relative;}
  .steps div::before{
    content:"";display:block;height:1px;background:var(--rule-strong);margin-bottom:26px;
  }
  .steps div::after{
    content:"";position:absolute;top:-4px;left:0;width:9px;height:9px;background:var(--copper);transform:rotate(45deg);
  }
  .steps .label{display:block;margin-bottom:12px;}
  .steps h3{font-size:23px;margin-bottom:10px;}
  .steps p{color:var(--bone-dim);font-size:15.5px;}

  /* ---------- Contact ---------- */
  .contact{position:relative;overflow:hidden;border-top:1px solid var(--rule);}
  .contact .ghost{
    position:absolute;right:-6%;top:50%;transform:translateY(-50%);width:min(620px,60vw);opacity:.09;pointer-events:none;
  }
  .contact h2{font-size:clamp(30px,3.6vw,52px);}
  .mail{
    font-family:var(--sans);font-weight:300;font-size:clamp(20px,2.8vw,38px);color:var(--copper-hi);
    border-bottom:1px solid currentColor;padding-bottom:4px;transition:color .2s;
    word-break:break-word;
  }
  .mail:hover{color:var(--bone);}
  .contact-meta{display:flex;gap:56px;margin-top:56px;flex-wrap:wrap;}
  .contact-meta div span{display:block;}
  .contact-meta div span + span{color:var(--bone-dim);margin-top:6px;}

  footer{border-top:1px solid var(--rule);padding:28px 0;font-size:13px;color:var(--muted);}
  footer .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;}
  .foot-logo{width:110px;margin-right:auto;}
  footer .wrap > span:first-of-type{flex-basis:auto;}
  footer a{color:var(--bone-dim);border-bottom:1px solid var(--rule-strong);}
  footer a:hover{color:var(--bone);}

  /* ---------- Inner pages ---------- */
  nav a.active{color:var(--bone);}
  nav a.active:not(.cta){box-shadow:inset 0 -1px 0 var(--copper);padding-bottom:4px;}
  .page-hero{
    position:relative;min-height:62vh;display:flex;align-items:flex-end;isolation:isolate;
    background:var(--ink) url('desert_sunset.jpg') var(--pos, 62% 40%)/cover no-repeat;
  }
  .page-hero::before{
    content:"";position:absolute;inset:0;z-index:-1;
    background:linear-gradient(90deg, rgba(20,16,13,.94) 0%, rgba(20,16,13,.7) 50%, rgba(20,16,13,.35) 100%),
               linear-gradient(0deg, var(--ink) 0%, rgba(20,16,13,0) 50%);
  }
  .page-hero .wrap{width:100%;padding-top:150px;padding-bottom:56px;}
  .page-hero h1{font-size:clamp(34px,4.8vw,70px);max-width:15em;margin-top:20px;}
  .page-hero p{color:var(--bone-dim);max-width:36em;margin-top:22px;font-size:17px;}
  .crumb{font-family:var(--sans);font-size:11.5px;font-weight:600;letter-spacing:.28em;text-transform:uppercase;color:var(--muted);}
  .crumb a{color:var(--copper);}
  .page-hero.short{min-height:48vh;}

  /* Home teasers */
  .teaser-list{list-style:none;border-top:1px solid var(--rule-strong);}
  .teaser-list a{display:grid;grid-template-columns:64px 1fr auto;gap:20px;align-items:center;padding:24px 0;border-bottom:1px solid var(--rule);transition:padding .3s ease, color .2s;}
  .teaser-list a:hover{padding-left:12px;color:var(--copper-hi);}
  .teaser-list .n{font-family:var(--serif);font-size:18px;color:var(--copper);}
  .teaser-list h3{font-size:clamp(19px,1.7vw,24px);}
  .teaser-list .arr{color:var(--copper);font-size:20px;}
  .more{display:inline-block;margin-top:34px;font-size:12px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--copper-hi);border-bottom:1px solid currentColor;padding-bottom:4px;}
  .more:hover{color:var(--bone);}
  .band{background:var(--bone);color:var(--ink);}
  .band .wrap{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:40px;align-items:end;}
  .band h2{font-size:clamp(30px,3.6vw,52px);margin-top:18px;}
  .band .label{color:#8a5a37;}
  .band p{color:#4c4238;margin-bottom:26px;}
  .band .btn{border-color:var(--ink);color:var(--ink);}
  .band .btn.fill{background:var(--ink);color:var(--bone);}
  .band .btn.fill:hover{background:#8a5a37;border-color:#8a5a37;}
  .next{border-top:1px solid var(--rule);}
  .next a{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:56px 0;}
  .next h2{font-size:clamp(26px,3.4vw,48px);transition:color .2s;}
  .next a:hover h2{color:var(--copper-hi);}
  .next .arr{font-size:clamp(28px,3vw,44px);color:var(--copper);transition:transform .25s;}
  .next a:hover .arr{transform:translateX(8px);}
  .check.solo{padding-top:clamp(56px,7vw,96px);}


  /* Original strip, contact form */
  .strip{background:var(--copper);color:var(--ink);padding:18px 0;font-size:12px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;text-align:center;}
  .contact .section-head{max-width:760px;margin-bottom:56px;}
  .contact .section-head h2{margin:18px 0 18px;}
  .contact .section-head p{color:var(--bone-dim);font-size:17px;}
  .contact-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(36px,6vw,96px);align-items:start;position:relative;}
  .contact-info .mail{display:inline-block;margin-top:12px;}
  .contact-form input, .contact-form textarea{
    width:100%;display:block;margin-bottom:14px;padding:16px 0;background:transparent;border:none;border-bottom:1px solid var(--rule-strong);
    color:var(--bone);font-family:var(--sans);font-size:15px;transition:border-color .2s;
  }
  .contact-form textarea{min-height:120px;resize:vertical;}
  .contact-form input::placeholder, .contact-form textarea::placeholder{color:var(--muted);}
  .contact-form input:focus, .contact-form textarea:focus{outline:none;border-bottom-color:var(--copper);}
  .contact-form input.err{border-bottom-color:#d9786a;}
  .contact-form .btn{margin-top:14px;}
  .form-note{font-size:13px;color:var(--muted);margin-top:14px;}
  .desert-line{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:44px 0;text-align:center;font-family:var(--serif);font-size:clamp(16px,1.6vw,21px);letter-spacing:.14em;color:var(--copper-hi);}
  .fact b{text-transform:none;}

  /* ---------- Reveal ---------- */
  .rv{opacity:0;transform:translateY(24px);transition:opacity .8s ease, transform .8s cubic-bezier(.2,.7,.2,1);}
  .rv.in{opacity:1;transform:none;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    .rv{opacity:1;transform:none;transition:none;}
    .step.on,.result.on{animation:none;}
  }

  /* ---------- Responsive ---------- */
  @media (max-width: 960px){
    .contact-wrap{grid-template-columns:1fr;}
    .band .wrap{grid-template-columns:1fr;}
    .split, .check-grid, .founder-grid{grid-template-columns:1fr;}
    .split-head{position:static;}
    .facts .wrap{grid-template-columns:1fr 1fr;}
    .fact:nth-child(3){padding-left:0;border-left:none;}
    .fact:nth-child(n+3){border-top:1px solid var(--rule);}
    .steps{grid-template-columns:1fr 1fr;gap:48px 0;}
    .hero-foot{grid-template-columns:1fr;}
    .coords{justify-self:start;text-align:left;}
  }
  @media (max-width: 760px){
    .menu-btn{display:block;}
    nav{
      position:fixed;top:76px;left:0;right:0;background:var(--ink);border-bottom:1px solid var(--rule);
      display:none;padding:12px var(--gutter) 28px;
    }
    nav.open{display:block;}
    nav ul{flex-direction:column;align-items:flex-start;gap:0;}
    nav li{width:100%;border-bottom:1px solid var(--rule);}
    nav li:last-child{border:none;padding-top:18px;}
    nav a{display:block;padding:16px 0;font-size:14px;}
    nav a.cta{display:inline-block;padding:13px 18px;}
    .hero{background-position:64% 40%;}
    .hero::before{background:linear-gradient(0deg, var(--ink) 6%, rgba(20,16,13,.72) 45%, rgba(20,16,13,.6) 80%, rgba(20,16,13,.75) 100%);}
    .opts, .fields{grid-template-columns:1fr;}
    .steps{grid-template-columns:1fr;}
    .facts .wrap{grid-template-columns:1fr;}
    .fact, .fact + .fact{padding:22px 0;border-left:none;}
    .fact + .fact{border-top:1px solid var(--rule);}
    .ledger li{grid-template-columns:1fr;}
    .teaser-list a{grid-template-columns:44px 1fr auto;gap:12px;}
    nav a.active:not(.cta){box-shadow:none;color:var(--copper-hi);}
    .ledger .n{padding-top:0;}
    .summary div{grid-template-columns:1fr;gap:2px;}
    .tool{box-shadow:6px 6px 0 #d9ccb8;}
  }
  .contact-info > .label{display:block;}
  .hero .label, .page-hero .label{color:var(--copper-hi);text-shadow:0 1px 12px rgba(20,16,13,.8);}
  .li-link{display:inline-block;color:var(--copper-hi);font-size:13px;font-weight:600;letter-spacing:.08em;border-bottom:1px solid transparent;transition:border-color .2s, color .2s;}
  .sig .li-link{display:block;margin-top:6px;}
  .contact-meta .li-link{font-size:16px;font-weight:400;letter-spacing:0;}
  .li-link:hover{color:var(--bone);border-bottom-color:currentColor;}
  footer .foot-li{border-bottom:1px solid var(--rule-strong);}