/* ═══════════════════════════════════════════════════════════
   TOKENS
   ═══════════════════════════════════════════════════════════ */
:root{
  --navy:       #1c3f60;
  --navy-deep:  #132d45;
  --navy-dark:  #0e2133;
  --blue-lt:    #afc1d0;
  --accent:     #5b9bd5;
  --accent-hov: #4a8bc5;
  --white:      #fdfcfc;
  --white-pure: #fff;
  --border:     rgba(175,193,208,.12);
  --glass:      rgba(255,255,255,.05);
  --text:       var(--white);
  --text2:      var(--blue-lt);
  --text3:      rgba(175,193,208,.55);
  --font:       'Inter',system-ui,-apple-system,sans-serif;
  --ease:       cubic-bezier(.4,0,.2,1);
  --fast:       .25s;
  --med:        .45s;
  --slow:       .7s;
  --max:        1140px;
}

/* ═══════════════════════════════════════════════════════════
   RESET
   ═══════════════════════════════════════════════════════════ */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);background:var(--navy-deep);color:var(--text);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{line-height:1.15;font-weight:700;letter-spacing:-.03em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 1.5rem}
.container--narrow{max-width:800px}
.center{text-align:center}

/* ═══════════════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════════════ */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.75rem 1.75rem;border-radius:8px;font:600 .9375rem/1.4 var(--font);border:2px solid transparent;cursor:pointer;transition:all var(--fast) var(--ease);white-space:nowrap}
.btn-accent{background:var(--accent);color:var(--white-pure);border-color:var(--accent)}
.btn-accent:hover{background:var(--accent-hov);border-color:var(--accent-hov);transform:translateY(-2px);box-shadow:0 8px 32px rgba(91,155,213,.35)}
.btn-ghost{background:0 0;color:var(--blue-lt);border-color:var(--blue-lt)}
.btn-ghost:hover{color:var(--white);border-color:var(--white);background:rgba(175,193,208,.08)}
.btn-outline-light{background:0 0;color:var(--white);border-color:rgba(255,255,255,.35)}
.btn-outline-light:hover{border-color:var(--white);background:rgba(255,255,255,.06)}
.btn-lg{padding:1rem 2.5rem;font-size:1.0625rem}

/* ═══════════════════════════════════════════════════════════
   HEADER
   ═══════════════════════════════════════════════════════════ */
.header{position:fixed;top:0;left:0;width:100%;z-index:200;padding:1.25rem 0;background:rgba(14,33,51,.92);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);transition:all var(--fast) var(--ease)}
.header.scrolled{background:rgba(14,33,51,.92);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);padding:.75rem 0;box-shadow:0 4px 40px rgba(0,0,0,.3)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:60px}
.logo-link{display:block;width:clamp(84px,10.3vw,129px)}
.logo-img{width:100%;filter:brightness(0) invert(1)}
.nav{display:none;gap:2rem}
.nav a{font:500 .875rem/1 var(--font);color:var(--blue-lt);transition:color var(--fast);position:relative}
.nav a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--accent);transition:width var(--fast)}
.nav a:hover{color:var(--white)}
.nav a:hover::after{width:100%}
.header-btn{display:none}
.burger{display:flex;flex-direction:column;gap:5px;background:0 0;border:0;cursor:pointer;z-index:201}
.burger span{display:block;width:22px;height:2px;background:var(--white);transition:all var(--fast)}
.burger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.active span:nth-child(2){opacity:0}
.burger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-overlay{position:fixed;inset:0;background:var(--navy-deep);z-index:199;display:flex;align-items:center;justify-content:center;opacity:0;pointer-events:none;transition:opacity var(--fast)}
.mobile-overlay.active{opacity:1;pointer-events:auto}
.mobile-nav{display:flex;flex-direction:column;gap:2rem;text-align:center}
.mobile-nav a{font:600 1.5rem/1.3 var(--font);color:var(--white)}
.nav{display:none}
.header-cta{display:none}
.nav a{color:var(--text2);font:600 .875rem/1 var(--font);transition:color var(--fast)}
.nav a:hover{color:var(--white)}
@media(min-width:1024px){
  .nav{display:flex;gap:2rem;align-items:center;position:absolute;left:50%;transform:translateX(-50%)}
  .header-cta{display:inline-flex}
  .burger{display:none}
}

/* ═══════════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════════ */
.hero{position:relative;min-height:100vh;min-height:100dvh;overflow:hidden;background-color:var(--navy-dark)}
.hero::before{content:'';position:absolute;top:0;left:0;right:0;height:300px;background:linear-gradient(to bottom, var(--navy-dark) 40%, transparent 100%);z-index:1;pointer-events:none;opacity:.5}
.hero-bg{position:absolute;top:35px;bottom:0;left:0;right:0;background:url('assets/images/HERO%20PAGE%20%20Lend%20Capital%20(1).png') center top / cover;opacity:1}
/* Floating shapes */
.hero-shape{position:absolute;border-radius:50%;filter:blur(80px);opacity:.15;pointer-events:none}
.shape-1{width:500px;height:500px;background:var(--accent);top:-10%;right:-10%;animation:drift1 18s ease-in-out infinite}
.shape-2{width:350px;height:350px;background:var(--blue-lt);bottom:5%;left:-8%;animation:drift2 22s ease-in-out infinite}
.shape-3{width:250px;height:250px;background:var(--accent);top:40%;left:30%;animation:drift3 15s ease-in-out infinite}
@keyframes drift1{0%,100%{transform:translate(0,0)}50%{transform:translate(-40px,60px)}}
@keyframes drift2{0%,100%{transform:translate(0,0)}50%{transform:translate(50px,-40px)}}
@keyframes drift3{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-30px,30px) scale(1.15)}}

.hero-inner{position:absolute;top:52%;left:50%;transform:translate(-50%,-50%);width:100%;z-index:2;display:flex;justify-content:center}
.hero-content{max-width:720px;text-align:center}
@media(min-width:768px){
  .hero-inner{top:63%;justify-content:flex-end}
  .hero-content{text-align:right}
}
.hero .eyebrow{color:var(--blue-lt)}
.hero-title{font-size:clamp(2rem,4.8vw,3.4rem);margin:.75rem 0 1.5rem;letter-spacing:-.04em}
.hero-title span{color:var(--blue-lt)}
.hero-sub{font-size:clamp(.85rem,1.6vw,1rem);color:var(--blue-lt);line-height:1.75;margin-bottom:2.5rem}
.hero-ctas{display:flex;flex-direction:column;gap:1rem;align-items:stretch;justify-content:center}
.hero-ctas .btn{justify-content:center;width:100%}
@media(min-width:768px){
  .hero-ctas{flex-direction:row;align-items:center;justify-content:flex-end}
  .hero-ctas .btn{width:auto}
}
.arrow-down{display:inline-block;animation:bounce 2s ease-in-out infinite}
@keyframes bounce{0%,100%{transform:translateY(0)}50%{transform:translateY(4px)}}
/* Scroll indicator */
.scroll-indicator{position:absolute;bottom:2rem;left:50%;transform:translateX(-50%);z-index:2}
.scroll-line{width:1px;height:48px;background:linear-gradient(to bottom,var(--accent),transparent);animation:scrollPulse 2s ease-in-out infinite}
@keyframes scrollPulse{0%,100%{opacity:.3;height:48px}50%{opacity:1;height:64px}}

/* ═══════════════════════════════════════════════════════════
   SECTIONS
   ═══════════════════════════════════════════════════════════ */
.section{padding:3.5rem 0}
@media(min-width:768px){.section{padding:6rem 0}}
.section--alt{background:var(--navy)}
.section:not(.section--alt){background:var(--navy-dark)}
.eyebrow{text-transform:uppercase;font:700 .75rem/1 var(--font);letter-spacing:.18em;color:var(--accent);margin-bottom:.75rem}
.section-head{max-width:680px;margin-bottom:3.5rem}
.section-head.center{margin-left:auto;margin-right:auto}
.section-head h2{font-size:clamp(1.75rem,3.5vw,2.5rem);margin-bottom:.75rem}
.section-head h2 span,.security-text h2 span,.endorsement-text h2 span,.about-text h2 span{color:var(--accent)}
.lead{font-size:clamp(.9375rem,1.6vw,1.0625rem);color:var(--text2);line-height:1.75}

/* ═══════════════════════════════════════════════════════════
   DIAGRAM (Model)
   ═══════════════════════════════════════════════════════════ */
.diagram{display:flex;flex-direction:column;align-items:center;gap:0;margin-bottom:4rem}
.diagram-node{background:var(--glass);border:1px solid var(--border);border-radius:16px;padding:2rem 1.75rem;text-align:center;max-width:280px;width:100%}
.node-icon{width:52px;height:52px;margin:0 auto .75rem;background:rgba(91,155,213,.12);border-radius:50%;display:flex;align-items:center;justify-content:center}
.node-icon svg{width:26px;height:26px;stroke:var(--accent)}
.diagram-node h4{font-size:1.125rem;margin-bottom:.375rem}
.diagram-node p{font-size:.875rem;color:var(--text2)}
.diagram-bridge{display:flex;flex-direction:column;align-items:center;padding:1rem 0;gap:.25rem}
.bridge-core{display:flex;align-items:center;gap:.5rem}
.bridge-line{width:2px;height:28px;background:var(--border)}
.bridge-logo{background:var(--navy);border:1px solid var(--border);border-radius:10px;padding:.5rem 1rem}
.bridge-logo img{width:100px;filter:brightness(0) invert(1)}
.flow{font:700 .6875rem/1 var(--font);text-transform:uppercase;letter-spacing:.12em;color:var(--accent)}
@media(min-width:768px){
  .diagram{flex-direction:row;justify-content:center}
  .diagram-bridge{flex-direction:column;padding:0 1.5rem}
  .bridge-core{flex-direction:row}
  .bridge-line{width:40px;height:2px}
}

/* Benefits */
.benefits-grid{display:grid;grid-template-columns:1fr;gap:1.25rem;margin-bottom:3rem}
.benefit{background:var(--glass);border:1px solid var(--border);border-radius:14px;padding:2rem 1.75rem;transition:border-color var(--fast),transform var(--fast)}
.benefit:hover{border-color:var(--accent);transform:translateY(-4px)}
.benefit-icon{width:42px;height:42px;background:rgba(91,155,213,.1);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:.75rem}
.benefit-icon svg{width:22px;height:22px;stroke:var(--accent)}
.benefit h4{font-size:1.0625rem;margin-bottom:.5rem;line-height:1.3}
.benefit p{font-size:.875rem;color:var(--text2);line-height:1.7;text-align:left}
.disclaimer-box{background:rgba(255,255,255,.03);border:1px solid var(--border);border-radius:8px;padding:1.25rem 1.5rem;font-size:.8125rem;color:var(--text3);line-height:1.6}
@media(min-width:768px){.benefits-grid{grid-template-columns:repeat(3,1fr)}}

/* ═══════════════════════════════════════════════════════════
   PAIN
   ═══════════════════════════════════════════════════════════ */
.pain-grid{display:grid;grid-template-columns:1fr;gap:1.25rem}
.pain-card{background:var(--glass);border:1px solid var(--border);border-radius:14px;padding:2.25rem 2rem;transition:border-color var(--fast)}
.pain-card:hover{border-color:rgba(175,193,208,.3)}
.pain-num{font:800 2.75rem/1 var(--font);color:rgba(91,155,213,.15);display:block;margin-bottom:.75rem}
.pain-card h3{font-size:1.1875rem;margin-bottom:.5rem}
.pain-card p{font-size:.9375rem;color:var(--text2);line-height:1.7;text-align:left}
@media(min-width:768px){.pain-grid{grid-template-columns:repeat(3,1fr)}}

/* ═══════════════════════════════════════════════════════════
   STEPS
   ═══════════════════════════════════════════════════════════ */
.steps-grid{display:grid;grid-template-columns:1fr;gap:1.25rem}
.step{background:var(--glass);border:1px solid var(--border);border-radius:14px;padding:2.25rem 2rem;transition:border-color var(--fast),transform var(--fast)}
.step:hover{border-color:var(--accent);transform:translateY(-4px)}
.step-num{font:800 3rem/1 var(--font);color:rgba(91,155,213,.12);display:block;margin-bottom:.75rem}
.step h3{font-size:1.125rem;margin-bottom:.5rem}
.step p{font-size:.9375rem;color:var(--text2);line-height:1.7;text-align:left}
@media(min-width:768px){.steps-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.steps-grid{grid-template-columns:repeat(4,1fr)}}

/* ═══════════════════════════════════════════════════════════
   SECURITY
   ═══════════════════════════════════════════════════════════ */
.security-layout{display:grid;grid-template-columns:1fr;gap:3rem;align-items:start}
.security-text h2{font-size:clamp(1.75rem,3vw,2.25rem);margin-bottom:.75rem}
.security-text .lead{margin-bottom:1.5rem}
.check-list{display:flex;flex-direction:column;gap:1.5rem;margin-top:1.5rem}
.check-list li{display:flex;gap:1rem;align-items:flex-start}
.check{width:32px;height:32px;background:rgba(91,155,213,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.check svg{width:18px;height:18px;stroke:var(--accent)}
.check-list strong{display:block;margin-bottom:.25rem;font-size:.9375rem}
.check-list p{font-size:.875rem;color:var(--text2);line-height:1.6;margin:0}
.shield-card{background:var(--glass);border:1px solid var(--border);border-radius:16px;padding:3rem 2rem;text-align:center;position:relative;overflow:hidden}
.shield-card::before{content:'';position:absolute;inset:-50%;background:radial-gradient(circle,rgba(91,155,213,.07)0%,transparent 70%)}
.shield-svg{width:72px;height:72px;color:var(--accent);margin:0 auto 1.25rem;position:relative;z-index:1}
.shield-card h4{font-size:1.25rem;position:relative;z-index:1;margin-bottom:.5rem}
.shield-card p{color:var(--text2);font-size:.9375rem;position:relative;z-index:1;text-align:left}
@media(min-width:1024px){.security-layout{grid-template-columns:1.3fr .7fr}}

/* ═══════════════════════════════════════════════════════════
   ENDORSEMENT
   ═══════════════════════════════════════════════════════════ */
.endorsement-layout{display:grid;grid-template-columns:1fr;gap:3rem;align-items:center}
.photo-frame{width:clamp(260px,35vw,360px);aspect-ratio:4/5;border-radius:12px;overflow:hidden;margin:0 auto;border:2px solid rgba(255,255,255,.1);box-shadow:0 10px 30px rgba(0,0,0,.3)}
.photo-frame img{width:100%;height:100%;object-fit:cover}
.endorsement-text h2{font-size:clamp(1.75rem,3vw,2.25rem);margin-bottom:1rem}
.endorsement-text p{font-size:1rem;color:var(--text2);margin-bottom:1rem;line-height:1.75}
.endorsement-text blockquote{background:var(--glass);border-left:4px solid var(--accent);border-radius:0 14px 14px 0;padding:1.75rem 2rem;margin-top:1.5rem;font:italic 1.0625rem/1.65 var(--font);color:var(--white)}
.endorsement-text cite{display:block;margin-top:.75rem;font:600 .8125rem/1 var(--font);font-style:normal;color:var(--accent)}
@media(min-width:1024px){.endorsement-layout{grid-template-columns:.35fr 1fr}}

/* ═══════════════════════════════════════════════════════════
   METRICS & TESTIMONIALS
   ═══════════════════════════════════════════════════════════ */
.metrics{display:flex;flex-direction:column;align-items:center;gap:2rem;margin-bottom:4rem}
.metric{text-align:center}
.metric-val,.metric-val-text{font:800 4rem/1 var(--font);color:var(--accent);display:inline}
.metric-pct{font:800 2.5rem/1 var(--font);color:var(--accent)}
.metric p{font-size:.9375rem;color:var(--text2);margin-top:.5rem;line-height:1.5}
.metric-sep{width:48px;height:1px;background:var(--border)}
@media(min-width:768px){.metrics{flex-direction:row;justify-content:center;gap:4rem}.metric-sep{width:1px;height:48px}}
.testimonials{display:grid;grid-template-columns:1fr;gap:1.25rem;margin-bottom:1.5rem}
.testimonial{background:var(--glass);border:1px solid var(--border);border-radius:14px;padding:2.25rem 2rem;position:relative}
.q{position:absolute;top:.5rem;left:1rem;font:4rem/1 Georgia,serif;color:rgba(91,155,213,.15)}
.testimonial p{font:italic 1rem/1.7 var(--font);color:var(--text2);position:relative;z-index:1;margin-bottom:1.25rem}
.testimonial footer strong{display:block;color:var(--accent);font-size:.9375rem}
.testimonial footer span{font-size:.8125rem;color:var(--text3)}
.asterisk{font-size:.75rem;color:var(--text3);text-align:center}
@media(min-width:768px){.testimonials{grid-template-columns:1fr 1fr}}

/* ═══════════════════════════════════════════════════════════
   ABOUT — ASYMMETRY CHART
   ═══════════════════════════════════════════════════════════ */
.about-layout{display:grid;grid-template-columns:1fr;gap:3rem;align-items:center}
.about-text h2{font-size:clamp(1.75rem,3vw,2.25rem);margin-bottom:1rem}
.about-text p{font-size:1rem;color:var(--text2);margin-bottom:1rem;line-height:1.75}
.about-text strong{color:var(--white)}
@media(min-width:1024px){.about-layout{grid-template-columns:1fr 1fr}}

/* Chart */
.asymmetry-chart{background:var(--glass);border:1px solid var(--border);border-radius:16px;padding:2rem 1.5rem 1.5rem;max-width:420px;margin:0 auto}
.chart-title{font:600 .875rem/1 var(--font);color:var(--text2);text-align:center;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:.1em}
.chart-bars{display:flex;justify-content:center;gap:2.5rem;align-items:flex-end;height:200px;margin-bottom:1.25rem}
.bar-group{display:flex;gap:.5rem;align-items:flex-end;position:relative;padding-bottom:2.5rem}
.bar{width:48px;border-radius:6px 6px 0 0;position:relative;transition:height 1.2s var(--ease);height:0}
.bar.animated{height:var(--h)}
.bar-label{position:absolute;top:-2.5rem;left:50%;transform:translateX(-50%);font:600 .5625rem/1.3 var(--font);color:var(--text2);text-align:center;white-space:nowrap;opacity:0;transition:opacity .5s}
.bar.animated .bar-label{opacity:1}
.bar--low{background:linear-gradient(to top,rgba(91,155,213,.2),rgba(91,155,213,.5))}
.bar--high{background:linear-gradient(to top,rgba(220,80,80,.3),rgba(220,80,80,.7))}
.bar--balanced{background:linear-gradient(to top,rgba(91,155,213,.4),rgba(91,155,213,.8))}
.bar--balanced-low{background:linear-gradient(to top,rgba(91,155,213,.25),rgba(91,155,213,.55))}
.bar-caption{position:absolute;bottom:0;left:50%;transform:translateX(-50%);font:600 .6875rem/1.3 var(--font);color:var(--text3);text-align:center;white-space:nowrap}
.chart-legend{display:flex;flex-wrap:wrap;gap:.75rem;justify-content:center}
.legend-item{display:flex;align-items:center;gap:.375rem;font-size:.6875rem;color:var(--text3)}
.dot{width:8px;height:8px;border-radius:2px;display:inline-block}
.dot--spread{background:rgba(220,80,80,.6)}
.dot--lend{background:rgba(91,155,213,.6)}

/* ═══════════════════════════════════════════════════════════
   FAQ
   ═══════════════════════════════════════════════════════════ */
.accordion{display:flex;flex-direction:column;gap:.625rem}
.acc-item{background:var(--glass);border:1px solid var(--border);border-radius:10px;overflow:hidden;transition:border-color var(--fast)}
.acc-item.active{border-color:var(--accent)}
.acc-btn{width:100%;text-align:left;padding:1.25rem 1.5rem;background:0 0;border:0;color:var(--white);font:600 .9375rem/1.4 var(--font);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.acc-icon{font-size:1.375rem;color:var(--accent);transition:transform var(--fast);flex-shrink:0}
.acc-item.active .acc-icon{transform:rotate(45deg)}
.acc-body{max-height:0;overflow:hidden;transition:max-height var(--fast) var(--ease);padding:0 1.5rem}
.acc-body p{font-size:.9375rem;color:var(--text2);line-height:1.7;padding-bottom:1.25rem}

/* ═══════════════════════════════════════════════════════════
   CTA FINAL
   ═══════════════════════════════════════════════════════════ */
.cta-final{background:linear-gradient(135deg,var(--navy-dark),var(--navy));padding:5rem 0;border-top:1px solid var(--border)}
.cta-final h2{font-size:clamp(1.75rem,3.5vw,2.5rem);margin-bottom:1rem}
.cta-lead{font-size:1.0625rem;color:var(--text2);max-width:480px;margin:0 auto 2.5rem;line-height:1.75}
.cta-btns{display:flex;flex-direction:column;gap:1rem;align-items:center}
@media(min-width:768px){.cta-btns{flex-direction:row;justify-content:center;gap:1.25rem}}

/* ═══════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════ */
.footer{background:var(--navy-dark);border-top:1px solid var(--border);padding:3.5rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:1fr;gap:2rem;margin-bottom:2.5rem}
.footer-logo{width:140px;margin-bottom:.75rem;filter:brightness(0) invert(1)}
.footer-brand p{color:var(--text3);font-size:.875rem}
.footer-col h4{font:600 .75rem/1 var(--font);text-transform:uppercase;letter-spacing:.12em;color:var(--white);margin-bottom:.75rem}
.footer-col a,.footer-col p{display:block;color:var(--text2);font-size:.875rem;margin-bottom:.375rem;transition:color var(--fast)}
.footer-col a:hover{color:var(--white)}
.footer-bottom{border-top:1px solid var(--border);padding-top:1.25rem}
.disclaimer{font-size:.6875rem;color:var(--text3);line-height:1.5;margin-bottom:.75rem}
.copy{font-size:.75rem;color:var(--text3);text-align:center}
@media(min-width:768px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}

/* ═══════════════════════════════════════════════════════════
   SCROLL REVEAL
   ═══════════════════════════════════════════════════════════ */
.reveal{opacity:0;transform:translateY(40px);transition:opacity var(--slow) var(--ease),transform var(--slow) var(--ease)}
.reveal.visible{opacity:1;transform:translateY(0)}
/* Stagger children */
.benefits-grid .reveal:nth-child(2),.pain-grid .reveal:nth-child(2),.steps-grid .reveal:nth-child(2),.testimonials .reveal:nth-child(2){transition-delay:.12s}
.benefits-grid .reveal:nth-child(3),.pain-grid .reveal:nth-child(3),.steps-grid .reveal:nth-child(3){transition-delay:.24s}
.steps-grid .reveal:nth-child(4){transition-delay:.36s}