/* ===========================================================
   Bizloanly Capital — Design tokens
   =========================================================== */
:root{
  --ink:#10233B;
  --ink-soft:#33475E;
  --paper:#FAFAF8;
  --stone:#ECE6D8;
  --stone-line:#D8D0BA;
  --brass:#A9812F;
  --brass-deep:#7C5E22;
  --forest:#35573F;
  --forest-soft:#E7EEE7;
  --danger:#8C3B2C;
  --radius:2px;
  --max:1120px;
  --shadow:0 1px 0 rgba(16,35,59,.06);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:'IBM Plex Sans',-apple-system,BlinkMacSystemFont,sans-serif;
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Fraunces',Georgia,serif;
  font-weight:600;
  line-height:1.08;
  margin:0 0 .5em;
  letter-spacing:-0.01em;
  color:var(--ink);
}
h1{font-size:clamp(2.4rem,5vw,3.9rem); font-weight:560; font-optical-sizing:auto;}
h2{font-size:clamp(1.7rem,3vw,2.4rem);}
h3{font-size:1.2rem;}
p{margin:0 0 1em;}
a{color:var(--brass-deep);}
.mono,.stat-value,.field-hint,.doc-list li::marker{
  font-family:'IBM Plex Mono',ui-monospace,monospace;
}
img{max-width:100%;display:block;}
button{font-family:inherit;}

/* Focus visibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,label:focus-within{
  outline:2px solid var(--brass);
  outline-offset:2px;
}

.wrap{max-width:var(--max);margin:0 auto;padding:0 24px;}

/* ---------- Ledger rule — signature motif ----------
   A hairline with small perpendicular ticks, echoing a bank
   ledger / deposit-slip rule. Used as section dividers. */
.ledger-rule{
  position:relative;
  height:1px;
  background:var(--stone-line);
  margin:0;
}
.ledger-rule::before{
  content:"";
  position:absolute;
  top:-3px; left:0; right:0; height:7px;
  background-image:repeating-linear-gradient(
    90deg,
    var(--stone-line) 0, var(--stone-line) 1px,
    transparent 1px, transparent 48px
  );
  opacity:.9;
}
.ledger-rule.brass::before{
  background-image:repeating-linear-gradient(
    90deg,
    var(--brass) 0, var(--brass) 1px,
    transparent 1px, transparent 48px
  );
}

/* ---------- Header ---------- */
.site-header{
  border-bottom:1px solid var(--stone-line);
  background:var(--paper);
  position:sticky; top:0; z-index:50;
}
.site-header .wrap{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:16px; padding-bottom:16px;
}
.logo{
  display:inline-flex;
  align-items:center;
  text-decoration:none;
}
.logo-img{
  height:44px;
  width:auto;
  display:block;
  border-radius:var(--radius);
}
.site-footer .logo-img{height:52px;}
.nav-links{display:flex; gap:28px; align-items:center; list-style:none; margin:0; padding:0;}
.nav-links a{
  color:var(--ink-soft); text-decoration:none; font-size:.95rem; font-weight:500;
}
.nav-links a:hover{color:var(--ink);}
.btn{
  display:inline-flex; align-items:center; gap:8px;
  padding:12px 22px;
  border-radius:var(--radius);
  font-weight:600; font-size:.95rem;
  text-decoration:none; border:1px solid transparent;
  cursor:pointer;
  transition:background .15s ease, color .15s ease, border-color .15s ease;
}
.btn-primary{background:var(--ink); color:var(--paper);}
.btn-primary:hover{background:var(--brass-deep);}
.btn-ghost{border-color:var(--ink); color:var(--ink);}
.btn-ghost:hover{background:var(--ink); color:var(--paper);}
.btn-block{width:100%; justify-content:center;}

/* ---------- Hero ---------- */
.hero{padding:76px 0 48px;}
.eyebrow{
  font-family:'IBM Plex Mono',monospace;
  font-size:.78rem;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--brass-deep);
  margin-bottom:18px;
  display:flex; align-items:center; gap:10px;
}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--brass);}
.hero-grid{display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:start;}
.hero p.lead{font-size:1.15rem; color:var(--ink-soft); max-width:46ch;}
.hero-cta{display:flex; gap:14px; margin-top:28px; flex-wrap:wrap;}

/* Ledger stat strip */
.stat-strip{
  border:1px solid var(--stone-line);
  background:#fff;
}
.stat-strip .stat{
  padding:20px 22px;
  border-bottom:1px solid var(--stone-line);
  display:flex; justify-content:space-between; align-items:baseline;
}
.stat-strip .stat:last-child{border-bottom:none;}
.stat-label{font-size:.85rem; color:var(--ink-soft);}
.stat-value{font-size:1.15rem; font-weight:600; color:var(--ink);}

/* ---------- Sections ---------- */
section{padding:64px 0;}
.section-stone{background:var(--stone);}
.section-head{max-width:60ch; margin-bottom:40px;}
.section-head .eyebrow{margin-bottom:12px;}

/* Steps (real sequence -> numbered) */
.steps{display:grid; grid-template-columns:repeat(3,1fr); gap:0; border:1px solid var(--stone-line); background:#fff;}
.step{padding:32px 28px; border-left:1px solid var(--stone-line);}
.step:first-child{border-left:none;}
.step-num{
  font-family:'IBM Plex Mono',monospace;
  font-size:.85rem; color:var(--brass-deep);
  margin-bottom:14px;
}
.step h3{margin-bottom:8px;}
.step p{color:var(--ink-soft); font-size:.95rem; margin:0;}

/* Product cards */
.cards{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--stone-line); border:1px solid var(--stone-line);}
.card{background:#fff; padding:30px 26px; display:flex; flex-direction:column;}
.card h3{margin-bottom:10px;}
.card p{color:var(--ink-soft); font-size:.93rem; margin-bottom:0;}
.card .btn{margin-top:16px; align-self:flex-start;}
.card .amt{
  font-family:'IBM Plex Mono',monospace;
  font-size:.85rem; color:var(--brass-deep);
  margin-bottom:12px;
  display:block;
}

/* Requirements / doc checklist */
.req-grid{display:grid; grid-template-columns:1fr 1fr; gap:48px;}
.doc-list{margin:0; padding-left:1.1em;}
.doc-list li{margin-bottom:12px; color:var(--ink-soft); padding-left:6px;}
.doc-list li strong{color:var(--ink);}

/* CTA band */
.cta-band{
  background:var(--ink); color:var(--paper); padding:64px 0; text-align:center;
}
.cta-band h2{color:var(--paper);}
.cta-band p{color:#C9D2DC; max-width:52ch; margin:0 auto 28px;}
.cta-band .btn-primary{background:var(--brass); color:var(--ink);}
.cta-band .btn-primary:hover{background:#c49a3f;}

/* ---------- Footer ---------- */
.site-footer{border-top:1px solid var(--stone-line); padding:40px 0 32px; background:var(--paper);}
.footer-grid{display:flex; justify-content:space-between; flex-wrap:wrap; gap:24px; margin-bottom:24px;}
.footer-grid a{color:var(--ink-soft); text-decoration:none; font-size:.9rem;}
.footer-address{font-size:.8rem; color:#7C8798; margin:0 0 14px;}
.disclosure{font-size:.78rem; color:#7C8798; max-width:90ch; line-height:1.6;}

/* ---------- Application form ---------- */
.app-shell{padding:48px 0 80px;}
.app-head{margin-bottom:36px;}
.progress-ledger{
  display:flex; border:1px solid var(--stone-line); background:#fff; margin-bottom:44px;
}
.progress-ledger .seg{
  flex:1; padding:14px 16px; border-left:1px solid var(--stone-line);
  font-family:'IBM Plex Mono',monospace; font-size:.78rem; color:var(--ink-soft);
  display:flex; align-items:center; gap:8px;
}
.progress-ledger .seg:first-child{border-left:none;}
.progress-ledger .seg .dot{width:6px;height:6px;border-radius:50%;background:var(--stone-line);}
.progress-ledger .seg.active{color:var(--ink); font-weight:600;}
.progress-ledger .seg.active .dot{background:var(--brass);}

fieldset{border:none; padding:0; margin:0 0 52px;}
fieldset legend{
  font-family:'Fraunces',serif; font-size:1.3rem; font-weight:600;
  padding-bottom:14px; margin-bottom:26px; width:100%;
  border-bottom:1px solid var(--stone-line);
}
.legend-num{
  font-family:'IBM Plex Mono',monospace; font-size:.8rem; color:var(--brass-deep); font-weight:400;
  display:block; margin-bottom:4px;
}
.field-row{display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-bottom:20px;}
.field-row.three{grid-template-columns:1fr 1fr 1fr;}
.field{display:flex; flex-direction:column; gap:6px;}
.field.full{grid-column:1 / -1;}
.field label{font-size:.86rem; font-weight:600; color:var(--ink);}
.field .field-hint{font-size:.76rem; color:#7C8798; font-weight:400;}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{
  border:1px solid var(--stone-line);
  background:#fff;
  padding:12px 13px;
  font-size:.95rem;
  border-radius:var(--radius);
  color:var(--ink);
  font-family:inherit;
}
textarea{resize:vertical; min-height:90px;}
select{appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2333475E' stroke-width='1.5' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center;}
input:focus,select:focus,textarea:focus{border-color:var(--brass);}

.radio-row{display:flex; gap:20px; flex-wrap:wrap;}
.radio-row label{
  display:flex; align-items:center; gap:8px;
  font-size:.9rem; font-weight:500; color:var(--ink-soft);
  border:1px solid var(--stone-line); padding:10px 16px; cursor:pointer;
}
.radio-row input:checked + span{color:var(--ink);}
.radio-row label:has(input:checked){border-color:var(--brass); background:var(--forest-soft); color:var(--ink);}

/* Upload dropzones */
.upload-grid{display:grid; grid-template-columns:1fr 1fr; gap:20px;}
.dropzone{
  border:1.5px dashed var(--stone-line);
  background:#fff;
  padding:22px;
  text-align:left;
  position:relative;
}
.dropzone.drag{border-color:var(--brass); background:var(--forest-soft);}
.dropzone h4{margin:0 0 4px; font-size:.95rem;}
.dropzone p.hint{font-size:.78rem; color:#7C8798; margin:0 0 12px;}
.dropzone input[type=file]{
  position:absolute; inset:0; opacity:0; cursor:pointer; width:100%; height:100%;
}
.dropzone .browse{
  display:inline-block; font-size:.82rem; font-weight:600; color:var(--brass-deep);
  border:1px solid var(--brass-deep); padding:8px 14px; pointer-events:none;
}
.file-list{list-style:none; margin:12px 0 0; padding:0; font-family:'IBM Plex Mono',monospace; font-size:.78rem;}
.file-list li{color:var(--forest); margin-bottom:4px; word-break:break-all;}

.consent{display:flex; gap:10px; align-items:flex-start; font-size:.85rem; color:var(--ink-soft);}
.consent input{margin-top:3px;}

.submit-row{display:flex; align-items:center; gap:18px; flex-wrap:wrap;}
.form-status{font-size:.88rem; font-weight:600;}
.form-status.ok{color:var(--forest);}
.form-status.err{color:var(--danger);}

@media (max-width:860px){
  .hero-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
  .step{border-left:none; border-top:1px solid var(--stone-line);}
  .step:first-child{border-top:none;}
  .cards{grid-template-columns:1fr;}
  .req-grid{grid-template-columns:1fr;}
  .field-row,.field-row.three{grid-template-columns:1fr;}
  .upload-grid{grid-template-columns:1fr;}
  .nav-links{display:none;}
  .progress-ledger{flex-wrap:wrap;}
  .progress-ledger .seg{flex:1 1 50%; border-left:none; border-top:1px solid var(--stone-line);}
  .timeline{grid-template-columns:1fr;}
  .timeline .era{border-left:none; border-top:1px solid var(--stone-line); padding-left:0; padding-top:26px;}
  .timeline .era:first-child{border-top:none;}
  .founder-grid{grid-template-columns:1fr;}
  .value-grid{grid-template-columns:1fr;}
}

/* ---------- About page additions ---------- */
.callout{
  font-family:'Fraunces',serif;
  font-style:italic;
  font-weight:500;
  font-size:1.5rem;
  color:var(--ink);
  text-align:center;
  max-width:32ch;
  margin:44px auto;
  padding:28px 0;
  border-top:1px solid var(--stone-line);
  border-bottom:1px solid var(--stone-line);
}
.callout span{color:var(--brass-deep);}

.timeline{display:grid; grid-template-columns:repeat(3,1fr); gap:36px; margin-top:8px;}
.timeline .era{border-left:2px solid var(--stone-line); padding-left:22px; position:relative;}
.timeline .era::before{
  content:""; position:absolute; left:-6px; top:2px;
  width:10px; height:10px; border-radius:50%; background:var(--brass);
}
.timeline .era-tag{font-family:'IBM Plex Mono',monospace; font-size:.78rem; color:var(--brass-deep); display:block; margin-bottom:8px;}
.timeline .era h3{font-size:1.1rem; margin-bottom:8px;}
.timeline .era p{font-size:.92rem; color:var(--ink-soft); margin:0;}

.value-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--stone-line); border:1px solid var(--stone-line);}
.value-grid .value{background:#fff; padding:28px 24px;}
.value-grid .value h3{font-size:1.02rem; margin-bottom:8px;}
.value-grid .value p{font-size:.9rem; color:var(--ink-soft); margin:0;}

.founder-grid{display:grid; grid-template-columns:.8fr 1.2fr; gap:48px; align-items:start;}
.founder-photo{
  width:100%; aspect-ratio:4/5; background:var(--stone);
  border:1px solid var(--stone-line);
  display:flex; align-items:center; justify-content:center;
  font-family:'IBM Plex Mono',monospace; font-size:.8rem; color:#7C8798; text-align:center; padding:20px;
}
.founder-name{font-family:'IBM Plex Mono',monospace; font-size:.8rem; color:var(--brass-deep); margin-top:14px; text-align:center;}

.use-grid{columns:2; column-gap:40px;}
.use-grid li{margin-bottom:10px; break-inside:avoid; color:var(--ink-soft);}

.faq-list details{
  border-bottom:1px solid var(--stone-line);
  padding:20px 0;
}
.faq-list details:first-child{border-top:1px solid var(--stone-line);}
.faq-list summary{
  font-family:'Fraunces',serif; font-weight:600; font-size:1.05rem;
  cursor:pointer; list-style:none; display:flex; justify-content:space-between; align-items:center; gap:16px;
  color:var(--ink);
}
.faq-list summary::-webkit-details-marker{display:none;}
.faq-list summary::after{
  content:"+"; font-family:'IBM Plex Mono',monospace; font-size:1.3rem; color:var(--brass-deep); flex-shrink:0;
}
.faq-list details[open] summary::after{content:"\2212";}
.faq-list .faq-answer{margin-top:14px; color:var(--ink-soft); font-size:.95rem; max-width:70ch;}

@media (max-width:860px){
  .founder-grid{grid-template-columns:1fr;}
  .founder-photo{max-width:260px; margin:0 auto;}
  .use-grid{columns:1;}
  .industry-grid{grid-template-columns:1fr;}
  .compare-grid{grid-template-columns:1fr;}
  .subnav{flex-wrap:wrap;}
  .product-hub-cards{grid-template-columns:1fr;}
}

/* ---------- Quick pre-qualifier (homepage hero) ---------- */
.quick-qualify-card{
  border:1px solid var(--stone-line);
  background:#fff;
  padding:28px 26px;
}
.quick-qualify-card .eyebrow{margin-bottom:10px;}
.quick-qualify-card h3{font-size:1.25rem; margin-bottom:6px;}
.quick-qualify-card p.qc-sub{font-size:.88rem; color:var(--ink-soft); margin-bottom:20px;}
.quick-qualify-card .field-row{margin-bottom:14px;}
.quick-qualify-card .field{gap:5px;}
.quick-qualify-card label{font-size:.8rem;}
.quick-qualify-card input,.quick-qualify-card select{padding:11px 12px; font-size:.9rem;}
.qualify-note{
  font-size:.78rem; color:var(--forest); font-weight:600;
  display:flex; align-items:center; gap:6px; margin-top:14px;
}
.qualify-note::before{content:"✓"; font-family:'IBM Plex Mono',monospace;}

.check-list{list-style:none; margin:20px 0 0; padding:0;}
.check-list li{
  display:flex; align-items:baseline; gap:10px;
  font-size:.92rem; color:var(--ink-soft); margin-bottom:9px;
}
.check-list li::before{
  content:"✓"; color:var(--brass-deep); font-family:'IBM Plex Mono',monospace; font-weight:600; flex-shrink:0;
}

.trust-strip{
  border-top:1px solid var(--stone-line);
  border-bottom:1px solid var(--stone-line);
  padding:22px 0;
}
.trust-strip .wrap{
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:20px;
}
.trust-strip .t-item{text-align:center; flex:1; min-width:140px;}
.trust-strip .t-value{display:block; font-family:'IBM Plex Mono',monospace; font-size:1.1rem; color:var(--ink); font-weight:600;}
.trust-strip .t-label{font-size:.78rem; color:var(--ink-soft);}

@media (max-width:860px){
  .trust-strip .wrap{flex-direction:column; text-align:center;}
}

/* ---------- Full-width brand banner ---------- */
.brand-banner{display:block; width:100%;}
.brand-banner img{width:100%; display:block;}

/* ---------- Success story / testimonial card ---------- */
.success-card{
  display:grid; grid-template-columns:1fr 1.3fr;
  border:1px solid var(--stone-line); background:#fff;
  overflow:hidden;
}
.success-card .photo{height:100%; min-height:280px; overflow:hidden;}
.success-card .photo img{width:100%; height:100%; object-fit:cover; display:block;}
.success-card .content{padding:36px 40px; display:flex; flex-direction:column; justify-content:center;}
.success-card blockquote{
  font-family:'Fraunces',serif; font-style:italic; font-weight:500;
  font-size:1.25rem; color:var(--ink); margin:0 0 20px; line-height:1.4;
}
.success-card .attribution{font-family:'IBM Plex Mono',monospace; font-size:.85rem; color:var(--brass-deep); margin-bottom:22px;}
.success-card .success-stats{display:flex; gap:28px; flex-wrap:wrap; border-top:1px solid var(--stone-line); padding-top:20px;}
.success-card .success-stat .v{display:block; font-family:'IBM Plex Mono',monospace; font-weight:600; font-size:1.15rem; color:var(--ink);}
.success-card .success-stat .l{font-size:.78rem; color:var(--ink-soft);}

@media (max-width:860px){
  .success-card{grid-template-columns:1fr;}
  .success-card .photo{min-height:220px;}
  .success-card .content{padding:28px 24px;}
}
.subnav{
  display:flex; gap:10px; flex-wrap:wrap;
  border-bottom:1px solid var(--stone-line);
  padding-bottom:28px; margin-bottom:8px;
}
.subnav a{
  font-size:.85rem; font-weight:600; text-decoration:none;
  padding:9px 16px; border:1px solid var(--stone-line); color:var(--ink-soft);
}
.subnav a:hover{border-color:var(--brass); color:var(--ink);}
.subnav a.active{background:var(--ink); color:var(--paper); border-color:var(--ink);}

.info-banner{
  border-left:3px solid var(--brass);
  background:var(--stone);
  padding:18px 22px;
  font-size:.92rem;
  color:var(--ink-soft);
  margin:28px 0;
}
.info-banner strong{color:var(--ink);}

.industry-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--stone-line); border:1px solid var(--stone-line); margin-top:8px;}
.industry-card{background:#fff; padding:26px 24px;}
.industry-card h4{font-family:'Fraunces',serif; font-size:1.05rem; margin-bottom:12px; color:var(--ink);}
.industry-card ul{margin:0; padding-left:1.1em; color:var(--ink-soft); font-size:.88rem;}
.industry-card ul li{margin-bottom:5px;}
.industry-card p.note{font-size:.82rem; color:#7C8798; margin:12px 0 0; font-style:italic;}

.compare-grid{display:grid; grid-template-columns:1fr 1fr; gap:1px; background:var(--stone-line); border:1px solid var(--stone-line); margin:24px 0;}
.compare-card{background:#fff; padding:26px 24px;}
.compare-card h4{font-family:'IBM Plex Mono',monospace; font-size:.82rem; color:var(--brass-deep); text-transform:uppercase; letter-spacing:.05em; margin-bottom:12px;}
.compare-card p{color:var(--ink-soft); font-size:.92rem; margin:0;}

.chip-row{display:flex; flex-wrap:wrap; gap:10px; margin:20px 0;}
.chip{
  font-size:.82rem; font-weight:600; color:var(--ink-soft);
  border:1px solid var(--stone-line); padding:8px 15px; background:#fff;
}

.product-hub-cards{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--stone-line); border:1px solid var(--stone-line);}
.product-hub-cards .card{display:flex; flex-direction:column;}
.product-hub-cards .card .btn{margin-top:auto; align-self:flex-start;}