/* Venture Together — business lending */
:root {
  --bg: #ebe8e1;
  --ink: #10131a;
  --mute: #5a6170;
  --line: #d0ccc3;
  --brand: #0a1e38;
  --accent: #ff4d1c;
  --accent-ink: #fff;
  --ok: #1f7a4c;
  --warn: #b42318;
  --white: #fff;
  --max: 1120px;
  --font-display: "Space Grotesk", sans-serif;
  --font-body: "Source Sans 3", sans-serif;
  --radius: 6px;
  --shadow: 0 12px 40px rgba(16, 19, 26, 0.08);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background-color: var(--bg);
  background-image:
    repeating-linear-gradient(
      -32deg,
      transparent,
      transparent 11px,
      rgba(16, 19, 26, 0.028) 11px,
      rgba(16, 19, 26, 0.028) 12px
    );
  min-height: 100vh;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--brand);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--accent);
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 0.6em;
}

p {
  margin: 0 0 1rem;
}

ul, ol {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.wrap {
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
}

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(235, 232, 225, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 0.85rem 0;
}

.logo {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: -0.03em;
  color: var(--brand);
  text-decoration: none;
  white-space: nowrap;
}

.logo:hover {
  color: var(--brand);
}

.logo span {
  color: var(--accent);
}

.nav {
  display: flex;
  align-items: center;
  gap: 0.15rem 1.35rem;
}

.nav a {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.01em;
}

.nav a:hover,
.nav a[aria-current="page"] {
  color: var(--accent);
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  padding: 0.45rem 0.95rem;
  background: var(--brand);
  color: var(--white) !important;
  border-radius: var(--radius);
  transition: background 0.2s ease, transform 0.2s ease;
}

.nav-cta:hover {
  background: var(--accent);
  transform: translateY(-1px);
}

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.45rem 0.7rem;
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--ink);
  cursor: pointer;
}

@media (max-width: 900px) {
  .menu-toggle {
    display: block;
  }

  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.75rem 1.25rem 1.25rem;
    background: var(--bg);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }

  .nav.is-open {
    display: flex;
  }

  .nav a {
    padding: 0.7rem 0;
    border-bottom: 1px solid var(--line);
  }

  .nav-cta {
    justify-content: center;
    margin-top: 0.5rem;
    border: none;
  }
}

/* ——— Buttons ——— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: -0.01em;
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.22s ease, color 0.22s ease, border-color 0.22s ease, transform 0.22s ease, box-shadow 0.22s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-accent {
  background: var(--accent);
  color: var(--accent-ink);
  border-color: var(--accent);
}

.btn-accent:hover {
  background: #e84416;
  border-color: #e84416;
  color: var(--accent-ink);
  box-shadow: 0 8px 24px rgba(255, 77, 28, 0.35);
}

.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.45);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--white);
  color: var(--white);
}

.btn-brand {
  background: var(--brand);
  color: var(--white);
  border-color: var(--brand);
}

.btn-brand:hover {
  background: #132a4a;
  color: var(--white);
  box-shadow: 0 8px 24px rgba(10, 30, 56, 0.25);
}

.btn-outline {
  background: transparent;
  color: var(--brand);
  border-color: var(--brand);
}

.btn-outline:hover {
  background: var(--brand);
  color: var(--white);
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
}

/* ——— Hero ——— */
.hero {
  position: relative;
  background: var(--brand);
  color: var(--white);
  overflow: hidden;
  min-height: min(88vh, 720px);
  display: flex;
  align-items: flex-end;
  padding: 5rem 0 4.5rem;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(125deg, transparent 40%, rgba(255, 77, 28, 0.12) 100%),
    repeating-linear-gradient(
      90deg,
      transparent,
      transparent 48px,
      rgba(255, 255, 255, 0.03) 48px,
      rgba(255, 255, 255, 0.03) 49px
    );
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
  max-width: 38rem;
}

.hero-brand {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.75rem, 8vw, 4.75rem);
  letter-spacing: -0.04em;
  line-height: 0.95;
  margin: 0 0 1.5rem;
  opacity: 0;
  animation: heroIn 0.7s ease 0.1s forwards;
}

.hero-brand em {
  font-style: normal;
  color: var(--accent);
}

.hero h1 {
  font-size: clamp(1.35rem, 3.2vw, 1.85rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  margin: 0 0 0.85rem;
  max-width: 28ch;
  opacity: 0;
  animation: heroIn 0.7s ease 0.28s forwards;
}

.hero-lead {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.78);
  margin: 0 0 1.75rem;
  max-width: 36ch;
  opacity: 0;
  animation: heroIn 0.7s ease 0.42s forwards;
}

.hero .btn-row {
  opacity: 0;
  animation: heroIn 0.7s ease 0.55s forwards;
}

@keyframes heroIn {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Accent underline grow */
.underline-accent {
  position: relative;
  display: inline-block;
}

.underline-accent::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -0.12em;
  height: 3px;
  width: 0;
  background: var(--accent);
  transition: width 0.45s cubic-bezier(0.22, 1, 0.36, 1);
}

.underline-accent.is-visible::after,
.section-head:hover .underline-accent::after,
.hero .underline-accent::after {
  width: 100%;
}

.hero .underline-accent::after {
  animation: underlineGrow 0.6s ease 0.9s forwards;
  width: 0;
}

@keyframes underlineGrow {
  to { width: 100%; }
}

/* ——— Sections ——— */
.section {
  padding: 4.5rem 0;
}

.section-tight {
  padding: 3rem 0;
}

.section-head {
  margin-bottom: 2.25rem;
  max-width: 36rem;
}

.section-head h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.35rem);
  margin-bottom: 0.5rem;
}

.section-head p {
  color: var(--mute);
  margin: 0;
}

.section-dark {
  background: var(--brand);
  color: var(--white);
}

.section-dark .section-head p,
.section-dark p {
  color: rgba(255, 255, 255, 0.72);
}

.section-muted {
  background: rgba(16, 19, 26, 0.035);
  border-block: 1px solid var(--line);
}

/* Split / grids */
.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem 3rem;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

@media (max-width: 900px) {
  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }
}

@media (min-width: 901px) and (max-width: 1100px) {
  .grid-4 {
    grid-template-columns: 1fr 1fr;
  }
}

.feature-block h3 {
  font-size: 1.2rem;
  margin-bottom: 0.4rem;
}

.feature-block p {
  color: var(--mute);
  margin: 0;
  font-size: 0.98rem;
}

.feature-block .num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.8rem;
  color: var(--accent);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.5rem;
}

/* Range / product rows — not cards in hero; interaction containers OK */
.range-list {
  display: flex;
  flex-direction: column;
  border-top: 1px solid var(--line);
}

.range-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 1rem;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  align-items: baseline;
}

.range-row strong {
  font-family: var(--font-display);
  font-size: 1.05rem;
}

.range-row span {
  color: var(--mute);
  font-size: 0.95rem;
}

.range-row .amt {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--brand);
}

@media (max-width: 700px) {
  .range-row {
    grid-template-columns: 1fr;
    gap: 0.35rem;
  }
}

.product-item {
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--line);
}

.product-item:first-child {
  border-top: 1px solid var(--line);
}

.product-item h3 {
  font-size: 1.25rem;
  margin-bottom: 0.35rem;
}

.product-item p {
  color: var(--mute);
  margin: 0 0 0.75rem;
}

.product-item .meta {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--brand);
}

/* Process steps */
.process-steps {
  counter-reset: step;
  display: grid;
  gap: 0;
}

.process-step {
  display: grid;
  grid-template-columns: 4rem 1fr;
  gap: 1.25rem;
  padding: 1.75rem 0;
  border-bottom: 1px solid var(--line);
}

.process-step::before {
  counter-increment: step;
  content: "0" counter(step);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--accent);
  line-height: 1;
}

.section-dark .process-step {
  border-color: rgba(255, 255, 255, 0.12);
}

.section-dark .process-step p {
  color: rgba(255, 255, 255, 0.7);
}

/* CTA band */
.cta-band {
  padding: 4rem 0;
  background: var(--brand);
  color: var(--white);
  text-align: left;
}

.cta-band h2 {
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  margin-bottom: 0.5rem;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.75);
  max-width: 36rem;
  margin-bottom: 1.5rem;
}

/* Page hero (inner pages) */
.page-hero {
  background: var(--brand);
  color: var(--white);
  padding: 3.5rem 0 3rem;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    90deg,
    transparent,
    transparent 48px,
    rgba(255, 255, 255, 0.03) 48px,
    rgba(255, 255, 255, 0.03) 49px
  );
  pointer-events: none;
}

.page-hero .wrap {
  position: relative;
}

.page-hero h1 {
  font-size: clamp(2rem, 4.5vw, 2.85rem);
  margin-bottom: 0.5rem;
  opacity: 0;
  animation: heroIn 0.55s ease 0.05s forwards;
}

.page-hero p {
  color: rgba(255, 255, 255, 0.75);
  max-width: 40rem;
  margin: 0;
  opacity: 0;
  animation: heroIn 0.55s ease 0.2s forwards;
}

/* ——— Forms / Apply wizard ——— */
.apply-layout {
  padding: 2.5rem 0 4rem;
}

.apply-shell {
  max-width: 720px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.apply-progress {
  padding: 1.25rem 1.5rem 1rem;
  border-bottom: 1px solid var(--line);
  background: rgba(235, 232, 225, 0.5);
}

.progress-track {
  height: 4px;
  background: var(--line);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: 1rem;
}

.progress-fill {
  height: 100%;
  width: 16.66%;
  background: var(--accent);
  border-radius: 2px;
  transition: width 0.35s ease;
}

.step-indicators {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 0.75rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.step-indicators li {
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--mute);
  letter-spacing: 0.02em;
}

.step-indicators li.is-active {
  color: var(--accent);
}

.step-indicators li.is-done {
  color: var(--ok);
}

.apply-pane {
  display: none;
  padding: 1.75rem 1.5rem;
}

.apply-pane.is-active {
  display: block;
  animation: paneIn 0.35s ease;
}

@keyframes paneIn {
  from {
    opacity: 0;
    transform: translateX(12px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.apply-pane h2 {
  font-size: 1.35rem;
  margin-bottom: 0.35rem;
}

.apply-pane > .pane-lead {
  color: var(--mute);
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem 1.15rem;
}

.form-grid .full {
  grid-column: 1 / -1;
}

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

.field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.field label {
  font-family: var(--font-display);
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--ink);
}

.field .hint {
  font-size: 0.8rem;
  color: var(--mute);
}

.field input,
.field select,
.field textarea {
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(10, 30, 56, 0.12);
}

.field input.is-invalid,
.field select.is-invalid,
.field textarea.is-invalid {
  border-color: var(--warn);
}

.field textarea {
  min-height: 110px;
  resize: vertical;
}

.range-field {
  margin-bottom: 0.5rem;
}

.range-field input[type="range"] {
  width: 100%;
  accent-color: var(--accent);
  padding: 0;
  border: none;
  box-shadow: none;
}

.range-display {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--font-display);
  margin-bottom: 0.5rem;
}

.range-display strong {
  font-size: 1.5rem;
  color: var(--brand);
}

.range-display span {
  color: var(--mute);
  font-size: 0.9rem;
}

.term-options {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0.5rem;
}

@media (max-width: 500px) {
  .term-options {
    grid-template-columns: repeat(3, 1fr);
  }
}

.term-options label {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.7rem 0.4rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s, color 0.2s;
}

.term-options input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.term-options label:has(input:checked) {
  border-color: var(--brand);
  background: var(--brand);
  color: var(--white);
}

.term-options label:hover {
  border-color: var(--brand);
}

.check-list {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.check-row {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.95rem;
}

.check-row input {
  margin-top: 0.25rem;
  accent-color: var(--accent);
  width: 1.05rem;
  height: 1.05rem;
  flex-shrink: 0;
}

.trading-fields[hidden],
.dir2-fields[hidden] {
  display: none !important;
}

.apply-actions {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 1rem 1.5rem 1.5rem;
  border-top: 1px solid var(--line);
  background: rgba(235, 232, 225, 0.35);
}

.apply-error {
  display: none;
  margin: 0 1.5rem 1rem;
  padding: 0.75rem 1rem;
  background: rgba(180, 35, 24, 0.08);
  border: 1px solid rgba(180, 35, 24, 0.25);
  border-radius: var(--radius);
  color: var(--warn);
  font-size: 0.9rem;
}

.apply-error.is-visible {
  display: block;
}

.review-note {
  background: rgba(10, 30, 56, 0.04);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem 1.25rem;
  margin-bottom: 1.25rem;
}

.review-note p {
  margin: 0 0 0.5rem;
  font-size: 0.95rem;
  color: var(--mute);
}

.review-note p:last-child {
  margin-bottom: 0;
}

.apr-note {
  font-size: 0.85rem;
  color: var(--mute);
  margin-top: 0.75rem;
}

/* ——— Help / FAQ ——— */
.faq details {
  border-bottom: 1px solid var(--line);
  padding: 1.1rem 0;
}

.faq summary {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  font-weight: 500;
  color: var(--accent);
  font-size: 1.25rem;
}

.faq details[open] summary::after {
  content: "−";
}

.faq details p {
  margin: 0.75rem 0 0;
  color: var(--mute);
  max-width: 42rem;
}

/* ——— Thank you ——— */
.thanks {
  padding: 5rem 0;
  text-align: center;
  max-width: 32rem;
  margin: 0 auto;
}

.thanks h1 {
  font-size: clamp(1.75rem, 4vw, 2.4rem);
}

.thanks p {
  color: var(--mute);
}

/* ——— Footer ——— */
.site-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.7);
  padding: 3.5rem 0 2rem;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}

@media (max-width: 700px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

.footer-brand {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 0.6rem;
}

.footer-brand span {
  color: var(--accent);
}

.site-footer a {
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--accent);
}

.footer-col h4 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 0.85rem;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-col li {
  margin-bottom: 0.45rem;
}

.footer-col a {
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 500;
}

.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.45);
}

.footer-legal p {
  margin: 0 0 0.5rem;
  max-width: 48rem;
}

/* Prose helpers */
.prose {
  max-width: 40rem;
}

.prose h2 {
  font-size: 1.5rem;
  margin-top: 2rem;
}

.prose h3 {
  font-size: 1.15rem;
  margin-top: 1.5rem;
}

.lead {
  font-size: 1.15rem;
  color: var(--mute);
}

.divider {
  height: 1px;
  background: var(--line);
  border: none;
  margin: 0;
}

.muted {
  color: var(--mute);
}

.mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 1.5rem; }