/* ===== Diamond Noir Theme — Solitaire Finz Mart / Construction Finance ===== */
:root{
  --ink:#0A0A0A;
  --panel:#141210;
  --panel-2:#1B1815;
  --line: rgba(201,162,39,0.18);
  --ivory:#F5F1E8;
  --ivory-dim:#C9C3B4;
  --gold:#C9A227;
  --gold-light:#E8C766;
  --gold-deep:#8A6E1A;
  --success:#4C9A6A;
  --radius:2px;
  --serif-display:'Cinzel', serif;
  --serif-body:'Cormorant Garamond', serif;
  --maxw:1180px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--ink);
  color:var(--ivory);
  font-family:var(--serif-body);
  font-size:19px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
.wrap-narrow{max-width:760px;}
h1,h2,h3,h4{font-family:var(--serif-display);font-weight:600;letter-spacing:.02em;margin:0 0 .5em;color:var(--ivory);}
h1{font-size:clamp(2.1rem,5vw,3.6rem);line-height:1.15;font-weight:700;}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem);}
h3{font-size:1.25rem;}
p{margin:0 0 1em;}
.center{text-align:center;margin-left:auto;margin-right:auto;}
.eyebrow{
  font-family:var(--serif-display);
  font-size:.72rem;
  letter-spacing:.28em;
  text-transform:uppercase;
  color:var(--gold);
  margin:0 0 .9em;
}
.section-lede{max-width:640px;font-size:1.1rem;color:var(--ivory-dim);}
.section-lede.small{font-size:.95rem;}

/* Buttons */
.btn{
  display:inline-block;
  font-family:var(--serif-display);
  font-size:.82rem;
  letter-spacing:.12em;
  text-transform:uppercase;
  padding:.95em 1.9em;
  border-radius:var(--radius);
  border:1px solid var(--gold);
  transition:all .25s ease;
  cursor:pointer;
}
.btn-gold{background:linear-gradient(180deg,var(--gold-light),var(--gold));color:#1A1408;border-color:var(--gold-light);}
.btn-gold:hover{filter:brightness(1.08);transform:translateY(-1px);}
.btn-ghost{background:transparent;color:var(--gold-light);}
.btn-ghost:hover{background:rgba(201,162,39,0.08);}
.btn-lg{padding:1.1em 2.4em;font-size:.88rem;}

/* Header */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(10,10,10,0.86);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 28px;}
.brand{display:flex;align-items:center;gap:12px;}
.brand-mark{width:26px;height:26px;fill:none;stroke:var(--gold);stroke-width:2.2;}
.brand-text{font-family:var(--serif-display);font-size:.86rem;letter-spacing:.14em;line-height:1.25;}
.brand-text em{font-style:normal;color:var(--gold);font-size:.78rem;letter-spacing:.22em;}
.main-nav{display:flex;gap:26px;}
.main-nav a{font-size:.85rem;letter-spacing:.03em;color:var(--ivory-dim);}
.main-nav a:hover{color:var(--gold-light);}
.header-cta{display:flex;align-items:center;gap:16px;}
.icon-link{display:none;}
.nav-toggle{display:none;background:none;border:0;width:26px;height:20px;position:relative;cursor:pointer;}
.nav-toggle span{position:absolute;left:0;right:0;height:2px;background:var(--gold);transition:.25s;}
.nav-toggle span:nth-child(1){top:0;}
.nav-toggle span:nth-child(2){top:9px;}
.nav-toggle span:nth-child(3){top:18px;}

/* Hero */
.hero{position:relative;padding:170px 0 110px;overflow:hidden;background:var(--ink);isolation:isolate;}
.hero-media{position:absolute;inset:0;z-index:-2;overflow:hidden;}
.hero-media img{
  width:100%;height:100%;object-fit:cover;object-position:center 65%;
  filter:saturate(0.85) brightness(0.6);
  animation:heroZoom 26s ease-in-out infinite alternate;
}
.hero-media::after{
  content:'';position:absolute;inset:0;
  background:
    linear-gradient(180deg, rgba(10,10,10,0.55) 0%, rgba(10,10,10,0.72) 45%, var(--ink) 96%),
    linear-gradient(90deg, rgba(10,10,10,0.55) 0%, transparent 55%);
}
@keyframes heroZoom{from{transform:scale(1);}to{transform:scale(1.12);}}
.hero-facets{
  position:absolute;inset:0;pointer-events:none;opacity:.35;z-index:-1;
  background-image:
    linear-gradient(115deg, transparent 48%, rgba(201,162,39,0.08) 49%, transparent 50%),
    linear-gradient(245deg, transparent 48%, rgba(201,162,39,0.06) 49%, transparent 50%);
  background-size:340px 340px, 260px 260px;
}
.hero-inner{position:relative;max-width:800px;}
.hero-inner .eyebrow,.hero-inner h1,.hero-inner .hero-sub,.hero-inner .hero-actions,.hero-inner .hero-stats{
  opacity:0;transform:translateY(16px);animation:heroRise .8s ease forwards;
}
.hero-inner h1{animation-delay:.12s;}
.hero-inner .hero-sub{animation-delay:.24s;}
.hero-inner .hero-actions{animation-delay:.36s;}
.hero-inner .hero-stats{animation-delay:.48s;}
@keyframes heroRise{to{opacity:1;transform:translateY(0);}}
.hero-sub{font-size:1.2rem;color:var(--ivory-dim);max-width:600px;}
.hero-actions{display:flex;gap:16px;margin:2em 0 3em;flex-wrap:wrap;}
.hero-stats{display:flex;gap:44px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:28px;}
.hero-stats div{font-size:.85rem;color:var(--ivory-dim);max-width:180px;}
.hero-stats span{display:block;font-family:var(--serif-display);color:var(--gold-light);font-size:1.5rem;margin-bottom:.15em;}

/* Sections */
.section{padding:88px 0;}
.section.alt{background:var(--panel);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}

/* Scroll reveal (single consistent motion language, respects reduced motion) */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease, transform .7s ease;}
.reveal.in-view{opacity:1;transform:translateY(0);}
.reveal-group.in-view .reveal-item{transition-delay:calc(var(--i, 0) * 90ms);}

/* About split with photo */
.about-split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;margin-top:20px;}
.about-copy .section-lede{margin-left:0;}
.about-photo{position:relative;}
.about-photo .frame{
  position:relative;border:1px solid var(--line);padding:14px;border-radius:var(--radius);
  background:var(--panel-2);
}
.about-photo img{width:100%;height:420px;object-fit:cover;border-radius:1px;filter:saturate(.9) contrast(1.02);}
.about-photo .frame::before,.about-photo .frame::after{
  content:'';position:absolute;width:26px;height:26px;border:1.5px solid var(--gold);
}
.about-photo .frame::before{top:-1px;left:-1px;border-right:none;border-bottom:none;}
.about-photo .frame::after{bottom:-1px;right:-1px;border-left:none;border-top:none;}
.about-badge{
  position:absolute;bottom:-22px;left:-22px;background:var(--ink);border:1px solid var(--gold);
  padding:16px 20px;border-radius:var(--radius);text-align:center;
}
.about-badge span{display:block;font-family:var(--serif-display);color:var(--gold-light);font-size:1.6rem;}
.about-badge small{font-size:.7rem;letter-spacing:.08em;color:var(--ivory-dim);text-transform:uppercase;}

/* Photo band (full-width break between sections) */
.photo-band{position:relative;height:340px;overflow:hidden;}
.photo-band img{width:100%;height:100%;object-fit:cover;filter:saturate(.8) brightness(.55);transition:transform 8s ease;}
.photo-band:hover img{transform:scale(1.06);}
.photo-band::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg, rgba(10,10,10,.15), rgba(10,10,10,.75));}
.photo-band-caption{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;text-align:center;padding:0 24px;}
.photo-band-caption p{font-family:var(--serif-display);font-size:clamp(1.1rem,2.4vw,1.6rem);color:var(--ivory);max-width:780px;font-style:normal;letter-spacing:.02em;margin:0;}

/* Gallery */
.gallery-grid{display:grid;grid-template-columns:repeat(6,1fr);grid-auto-rows:120px;gap:12px;margin-top:48px;}
.gallery-item{position:relative;overflow:hidden;border-radius:var(--radius);cursor:zoom-in;border:1px solid var(--line);}
.gallery-item:nth-child(1){grid-column:span 3;grid-row:span 2;}
.gallery-item:nth-child(2){grid-column:span 3;grid-row:span 1;}
.gallery-item:nth-child(3){grid-column:span 3;grid-row:span 1;}
.gallery-item:nth-child(4){grid-column:span 2;grid-row:span 2;}
.gallery-item:nth-child(5){grid-column:span 2;grid-row:span 2;}
.gallery-item:nth-child(6){grid-column:span 2;grid-row:span 2;}
.gallery-item img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease,filter .6s ease;filter:saturate(.85);}
.gallery-item:hover img{transform:scale(1.08);filter:saturate(1);}
.gallery-item .gallery-cap{
  position:absolute;left:0;right:0;bottom:0;padding:10px 14px;font-size:.78rem;color:var(--ivory);
  background:linear-gradient(0deg, rgba(0,0,0,.75), transparent);opacity:0;transition:opacity .3s;
}
.gallery-item:hover .gallery-cap{opacity:1;}

/* Lightbox */
.lightbox{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;background:rgba(6,6,6,.92);padding:24px;}
.lightbox.open{display:flex;}
.lightbox img{max-width:min(1100px,92vw);max-height:86vh;border:1px solid var(--line);border-radius:2px;}
.lightbox-close{position:absolute;top:22px;right:28px;font-family:var(--serif-display);color:var(--gold-light);font-size:1.6rem;background:none;border:0;cursor:pointer;line-height:1;}

/* Testimonials backdrop */
.stories-wrap{position:relative;}
.stories-bg{position:absolute;inset:0;z-index:-1;}
.stories-bg img{width:100%;height:100%;object-fit:cover;opacity:.14;filter:grayscale(.3);}

/* Contact map */
.contact-map{margin-top:26px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;}
.contact-map iframe{filter:invert(90%) hue-rotate(180deg) brightness(0.95) contrast(0.9);}
.contact-map iframe{display:block;width:100%;height:230px;border:0;}

/* Counter emphasis */
.hero-stats span[data-counted]{color:var(--gold-light);}

/* Pillars */
.pillar-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:48px;}
.pillar{border-left:1px solid var(--line);padding-left:20px;}
.pillar-num{font-family:var(--serif-display);color:var(--gold-deep);font-size:.85rem;letter-spacing:.1em;}
.pillar p{color:var(--ivory-dim);font-size:.98rem;}

/* Benefit / solution cards */
.benefit-grid,.solutions-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:48px;}
.benefit-card,.solution-card{
  background:var(--panel-2);
  border:1px solid var(--line);
  padding:26px 22px;
  border-radius:var(--radius);
  transition:border-color .25s;
}
.benefit-card:hover,.solution-card:hover{border-color:var(--gold);}
.benefit-card h3,.solution-card h3{font-size:1.05rem;color:var(--gold-light);}
.benefit-card p,.solution-card p{color:var(--ivory-dim);font-size:.95rem;margin:0;}

/* Process */
.process-list{list-style:none;margin:48px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:0 48px;}
.process-list li{display:flex;gap:18px;padding:18px 0;border-bottom:1px solid var(--line);}
.process-list li span{font-family:var(--serif-display);color:var(--gold);font-size:1.3rem;flex:0 0 auto;}
.process-list h4{margin:0 0 .2em;font-size:1.05rem;}
.process-list p{color:var(--ivory-dim);font-size:.95rem;margin:0;}

/* Eligibility calculator */
.calc-card{
  max-width:820px;margin:48px auto 0;
  background:var(--panel-2);border:1px solid var(--line);border-radius:var(--radius);
  padding:36px;
}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.calc-grid label{display:flex;flex-direction:column;gap:6px;font-size:.85rem;letter-spacing:.03em;color:var(--ivory-dim);}
.calc-grid input,.calc-grid select,textarea,.apply-form input,.callback-form input{
  background:var(--ink);border:1px solid var(--line);color:var(--ivory);
  padding:.75em .85em;border-radius:var(--radius);font-family:var(--serif-body);font-size:1rem;
}
.calc-grid input:focus,.calc-grid select:focus,textarea:focus,.apply-form input:focus,.callback-form input:focus{
  outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold);
}
.calc-submit{grid-column:1/-1;margin-top:8px;}
.calc-result{margin-top:32px;padding-top:28px;border-top:1px solid var(--line);}
.calc-result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:20px;}
.result-label{display:block;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ivory-dim);margin-bottom:.3em;}
.result-value{display:block;font-family:var(--serif-display);color:var(--gold-light);font-size:1.3rem;}
.result-note{color:var(--ivory-dim);}
.result-disclaimer{font-size:.82rem;color:var(--ivory-dim);opacity:.8;font-style:italic;}

/* Docs accordion / FAQ */
.doc-accordion,.faq-list{max-width:820px;margin:48px auto 0;}
details{
  border-bottom:1px solid var(--line);padding:18px 0;
}
summary{
  cursor:pointer;font-family:var(--serif-display);font-size:1.02rem;color:var(--ivory);
  list-style:none;display:flex;justify-content:space-between;align-items:center;
}
summary::-webkit-details-marker{display:none;}
summary::after{content:'+';color:var(--gold);font-size:1.3rem;margin-left:12px;}
details[open] summary::after{content:'–';}
details ul{margin:14px 0 0;padding-left:20px;color:var(--ivory-dim);}
details p{color:var(--ivory-dim);margin-top:12px;}

/* Lenders */
.lender-strip{
  display:flex;flex-wrap:wrap;justify-content:center;gap:14px;margin:44px 0 24px;
}
.lender-strip span{
  border:1px solid var(--line);padding:.7em 1.3em;font-family:var(--serif-display);
  font-size:.8rem;letter-spacing:.08em;color:var(--ivory-dim);border-radius:var(--radius);
}

/* Stories */
.story-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px;}
.story-card{background:var(--panel-2);border:1px solid var(--line);padding:26px;border-radius:var(--radius);}
.story-card p{font-style:italic;color:var(--ivory);}
.story-card span{display:block;color:var(--gold);font-size:.85rem;margin-top:12px;}

/* Forms */
.apply-form,.callback-form{max-width:820px;margin:44px auto 0;display:flex;flex-direction:column;gap:18px;}
.callback-form{max-width:none;margin:0;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.apply-form label,.callback-form label{display:flex;flex-direction:column;gap:6px;font-size:.85rem;color:var(--ivory-dim);}
.apply-form label.full{width:100%;}
.form-status{min-height:1.2em;font-size:.9rem;color:var(--gold-light);}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;}
.contact-list{list-style:none;padding:0;margin:20px 0;color:var(--ivory-dim);}
.contact-list li{padding:8px 0;}
.callback-form{background:var(--panel-2);border:1px solid var(--line);padding:30px;border-radius:var(--radius);}

/* Footer */
.site-footer{background:var(--panel);border-top:1px solid var(--line);padding:64px 0 20px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.4fr;gap:36px;}
.footer-grid h4{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:1em;}
.footer-grid a{display:block;color:var(--ivory-dim);font-size:.92rem;padding:4px 0;}
.footer-tagline{color:var(--ivory-dim);font-size:.85rem;margin-top:10px;}
.footer-disclaimer{font-size:.78rem;color:var(--ivory-dim);opacity:.75;line-height:1.6;}
.footer-bottom{border-top:1px solid var(--line);margin-top:40px;padding-top:20px;font-size:.8rem;color:var(--ivory-dim);}

/* Sticky mobile CTA */
.sticky-cta{
  display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;
  text-align:center;padding:16px;background:linear-gradient(180deg,var(--gold-light),var(--gold));
  color:#1A1408;font-family:var(--serif-display);letter-spacing:.1em;font-size:.85rem;text-transform:uppercase;
}

/* Responsive */
@media (max-width: 980px){
  .pillar-grid,.benefit-grid,.solutions-grid{grid-template-columns:repeat(2,1fr);}
  .process-list{grid-template-columns:1fr;}
  .story-grid{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .about-split{grid-template-columns:1fr;}
  .about-photo{order:-1;}
  .about-badge{left:14px;bottom:-18px;}
  .gallery-grid{grid-template-columns:repeat(4,1fr);}
  .gallery-item:nth-child(1){grid-column:span 4;}
  .gallery-item:nth-child(2),.gallery-item:nth-child(3){grid-column:span 2;}
  .gallery-item:nth-child(4),.gallery-item:nth-child(5),.gallery-item:nth-child(6){grid-column:span 2;grid-row:span 1;height:180px;}
}
@media (max-width: 760px){
  body{font-size:17px;}
  .main-nav{
    position:fixed;top:64px;left:0;right:0;bottom:0;
    background:var(--ink);flex-direction:column;padding:32px 28px;gap:0;
    transform:translateX(100%);transition:transform .3s ease;
  }
  .main-nav.open{transform:translateX(0);}
  .main-nav a{padding:16px 0;border-bottom:1px solid var(--line);}
  .nav-toggle{display:block;}
  .header-cta .btn-gold{display:none;}
  .calc-grid,.form-row{grid-template-columns:1fr;}
  .calc-result-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .sticky-cta{display:block;}
  .section{padding:60px 0;}
  body{padding-bottom:56px;}
  .hero{padding:130px 0 80px;}
  .about-photo img{height:280px;}
  .photo-band{height:220px;}
  .gallery-grid{grid-template-columns:repeat(2,1fr);grid-auto-rows:150px;}
  .gallery-item,.gallery-item:nth-child(1),.gallery-item:nth-child(2),.gallery-item:nth-child(3),.gallery-item:nth-child(4),.gallery-item:nth-child(5),.gallery-item:nth-child(6){grid-column:span 1;grid-row:span 1;height:auto;}
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce){
  .hero-media img{animation:none;}
  .hero-inner .eyebrow,.hero-inner h1,.hero-inner .hero-sub,.hero-inner .hero-actions,.hero-inner .hero-stats{
    opacity:1;transform:none;animation:none;
  }
  .reveal{opacity:1;transform:none;transition:none;}
  .photo-band img{transition:none;}
  .sticky-cta{animation:none !important;}
}

/* Sticky CTA pulse */
.sticky-cta{animation:ctaPulse 2.6s ease-in-out infinite;}
@keyframes ctaPulse{0%,100%{box-shadow:0 0 0 0 rgba(232,199,102,.0);}50%{box-shadow:0 -6px 22px 0 rgba(232,199,102,.35);}}