/* Layout: full-width colour bands, each with a 1120px inner column; hero pairs the pitch with a live repayment calculator */
:root{
  --bg:#f6f7f4;
  --surface:#ffffff;
  --ink:#14211d;
  --muted:#53625d;
  --line:#dde3df;
  --brand:#0f4c3a;
  --brand-ink:#ffffff;
  --accent:#e8a33d;
  --accent-ink:#1d1405;
  --band:#e9eee9;
  --display:"Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body:"Figtree", "Segoe UI", system-ui, -apple-system, sans-serif;
  --radius:14px;
  --danger:#b42318;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0e1513;--surface:#16201d;--ink:#e8eeeb;--muted:#9fb0aa;--line:#26332f;
  --brand:#5fc49f;--brand-ink:#06140f;--accent:#f0b55a;--accent-ink:#1d1405;--band:#121b18;--danger:#f97066;color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0e1513;--surface:#16201d;--ink:#e8eeeb;--muted:#9fb0aa;--line:#26332f;
  --brand:#5fc49f;--brand-ink:#06140f;--accent:#f0b55a;--accent-ink:#1d1405;--band:#121b18;--danger:#f97066;color-scheme:dark}

*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--bg);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.6}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px, env(safe-area-inset-left, 0px));padding-right:max(16px, env(safe-area-inset-right, 0px))}
h1,h2,h3{font-family:var(--display);line-height:1.1;text-wrap:balance;margin:0}
h2{font-size:clamp(1.8rem,3.5vw,2.5rem);font-weight:800;letter-spacing:-.01em}
h3{font-size:1.2rem;font-weight:700}
p{margin:0}
a{color:inherit}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.lead{color:var(--muted);font-size:1.08rem;max-width:58ch}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}

/* Header */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none}
.logo-mark{width:40px;height:40px;flex:none;display:block}
.logo-word{display:grid;line-height:1;gap:4px}
.logo-word b{font-family:var(--display);font-weight:800;font-size:1.32rem;letter-spacing:.05em;color:var(--ink)}
.logo-word small{font:700 .6rem/1 var(--body);letter-spacing:.42em;text-transform:uppercase;color:var(--brand);padding-left:.1em}
footer .logo-word b{color:var(--bg)}
footer .logo-word small{color:#5fc49f}
.nav ul{display:flex;gap:24px;list-style:none;margin:0;padding:0}
.nav ul a{text-decoration:none;color:var(--muted);font-weight:500}
.nav ul a:hover{color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:999px;border:0;font:600 1rem var(--body);text-decoration:none;cursor:pointer;transition:transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--brand);color:var(--brand-ink)}
.btn-accent{background:var(--accent);color:var(--accent-ink)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
@media (max-width:820px){.nav ul{display:none}}

/* Hero */
.hero{padding-block:56px 72px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero-grid>*{min-width:0}
.hero h1{font-size:clamp(2.4rem,5.4vw,4rem);font-weight:800;letter-spacing:-.02em;margin-block:14px 18px}
.hero h1 em{font-style:normal;color:var(--brand);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.06em;height:.16em;background:var(--accent);opacity:.55;z-index:-1;border-radius:2px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;color:var(--muted);font-size:.92rem}
.trust span{display:flex;align-items:center;gap:8px}
.trust svg{color:var(--brand);flex:none}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:36px}}

/* Calculator */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 24px 60px -30px rgba(15,76,58,.35)}
.calc h3{margin-bottom:4px}
.calc .sub{color:var(--muted);font-size:.9rem;margin-bottom:22px}
.field{display:grid;gap:8px;margin-bottom:20px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.field label{font-weight:600;font-size:.95rem}
.field output{font-family:var(--display);font-weight:700;font-size:1.15rem;font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--brand);height:28px}
.range-ends{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);font-variant-numeric:tabular-nums}
.result{background:var(--brand);color:var(--brand-ink);border-radius:var(--radius);padding:20px 22px;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.result .big{grid-column:1/-1}
.result small{display:block;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;opacity:.8;font-weight:600}
.result strong{font-family:var(--display);font-variant-numeric:tabular-nums;font-size:1.15rem}
.result .big strong{font-size:2.3rem;font-weight:800;line-height:1.1}
.fine{font-size:.78rem;color:var(--muted);margin-top:14px;line-height:1.5}

/* Sections */
section{padding-block:80px}
.band{background:var(--band)}
.sec-head{display:grid;gap:12px;margin-bottom:40px;max-width:680px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:step}
.step{display:grid;gap:10px;padding-top:22px;border-top:2px solid var(--ink)}
.step::before{counter-increment:step;content:"Step " counter(step);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.step p{color:var(--muted)}

.products{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.product{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px}
.product .range{font-family:var(--display);font-weight:700;font-size:1.5rem;font-variant-numeric:tabular-nums}
.product p{color:var(--muted)}
.product ul{margin:0;padding:0;list-style:none;display:grid;gap:6px;font-size:.94rem}
.product li{display:flex;gap:8px}
.product li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent);margin-top:.6em;flex:none}
.product .btn{margin-top:auto;align-self:flex-start}
.product.featured{border:2px solid var(--brand)}
.tag{align-self:flex-start;background:var(--accent);color:var(--accent-ink);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:999px}

.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.req-grid>*{min-width:0}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.checklist li{display:flex;gap:14px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.checklist .ico{width:32px;height:32px;border-radius:8px;background:color-mix(in srgb,var(--brand) 14%,transparent);color:var(--brand);display:grid;place-items:center;flex:none}
.checklist b{display:block}
.checklist span{color:var(--muted);font-size:.92rem}

/* Apply form */
.apply-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}
.apply-grid>*{min-width:0}
form{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
form .full{grid-column:1/-1}
form label{display:grid;gap:6px;font-weight:600;font-size:.9rem}
form input,form select,form textarea{font:inherit;font-weight:400;padding:12px 14px;border-radius:10px;border:1.5px solid var(--line);background:var(--bg);color:var(--ink);width:100%}
form input:focus,form select:focus,form textarea:focus{outline:none;border-color:var(--brand)}
.consent{display:flex!important;grid-template-columns:none;gap:10px;align-items:flex-start;font-weight:400!important;color:var(--muted)}
.consent input{width:auto;margin-top:5px}
.form-error{font-size:.9rem}
.done{grid-column:1/-1;display:grid;gap:12px}
.done pre{white-space:pre-wrap;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:14px;font-size:.88rem;margin:0}
.done .row{display:flex;flex-wrap:wrap;gap:10px}

/* FAQ */
.faq{display:grid;gap:12px;max-width:820px}
details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:18px 22px}
summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--display);font-size:1.3rem;line-height:1;color:var(--brand)}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin-top:10px}

/* Contact & footer */
.contact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.contact-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:grid;gap:6px}
.contact-card small{color:var(--muted);font-weight:600;letter-spacing:.08em;text-transform:uppercase;font-size:.75rem}
.contact-card b{font-size:1.05rem;word-break:break-word}
footer{background:var(--ink);color:var(--bg);padding-block:44px}
footer .wrap{display:grid;gap:18px}
footer p{opacity:.75;font-size:.88rem;max-width:80ch}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;align-items:center}
.ncr{display:inline-flex;gap:8px;align-items:center;border:1px solid color-mix(in srgb,var(--bg) 30%,transparent);border-radius:999px;padding:6px 14px;font-size:.85rem}

@media (max-width:820px){
  .steps,.products,.contact-grid{grid-template-columns:1fr}
  .req-grid,.apply-grid{grid-template-columns:1fr;gap:32px}
  form{grid-template-columns:1fr;padding:22px}
  section{padding-block:60px}
  .calc{padding:22px}
}

/* Application form: documents */
.form-section{grid-column:1/-1;display:grid;gap:4px;padding-top:8px;border-top:1px solid var(--line);margin-top:4px}
.form-section h3{font-size:1.05rem}
.form-section p{color:var(--muted);font-size:.9rem}
.hint{font-weight:400;color:var(--muted);font-size:.82rem}
.id-status{font-weight:500;font-size:.82rem;min-height:1.2em}
.id-status.ok{color:var(--brand)}
.id-status.bad{color:var(--danger)}
.uploads{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.drop{position:relative;display:grid;gap:4px;border:1.5px dashed var(--line);border-radius:12px;padding:14px 16px;background:var(--bg);cursor:pointer;transition:border-color .15s,background .15s}
.drop:hover,.drop.over{border-color:var(--brand)}
.drop.has{border-style:solid;border-color:var(--brand);background:color-mix(in srgb,var(--brand) 6%,var(--bg))}
.drop input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.drop:focus-within{outline:3px solid var(--accent);outline-offset:2px}
.drop b{font-size:.95rem;display:flex;gap:8px;align-items:center}
.drop .req{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-ink);background:var(--accent);padding:2px 7px;border-radius:999px}
.drop .opt{font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.drop .files{font-size:.82rem;color:var(--muted);word-break:break-word}
.drop.has .files{color:var(--ink)}
.progress{grid-column:1/-1;height:8px;border-radius:99px;background:var(--line);overflow:hidden}
.progress span{display:block;height:100%;width:0;background:var(--brand);transition:width .2s}
.form-error{color:var(--danger)}
.success{grid-column:1/-1;display:grid;gap:14px;text-align:left}
.success .refno{font-family:var(--display);font-size:1.9rem;font-weight:800;letter-spacing:.02em;color:var(--brand)}
.success ol{margin:0;padding-left:1.2em;color:var(--muted);display:grid;gap:6px}
button[disabled]{opacity:.6;cursor:wait}
@media (max-width:820px){.uploads{grid-template-columns:1fr}}

/* Calculator product switch */
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:4px;margin-bottom:20px}
.seg button{border:0;background:transparent;color:var(--muted);font:600 .9rem var(--body);padding:9px 6px;border-radius:9px;cursor:pointer}
.seg button.on{background:var(--brand);color:var(--brand-ink)}
.fixed-term{margin:-4px 0 20px;padding:12px 14px;border-radius:10px;background:var(--bg);border:1px solid var(--line);font-weight:600;font-size:.95rem}
.tag-biz{background:var(--ink);color:var(--bg)}

/* Requirements, two lists */
.req-lists{display:grid;gap:28px;min-width:0}
.req-title{font-size:1.05rem;margin-bottom:12px;display:flex;flex-wrap:wrap;gap:4px 10px;align-items:baseline}
.req-title span{font-family:var(--body);font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}

/* Loan choice in the form */
fieldset.loan-pick{border:0;margin:0;padding:0;min-width:0}
fieldset.loan-pick legend{font-weight:600;font-size:.9rem;margin-bottom:8px;padding:0}
.pick{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
form .pick-opt{display:flex;gap:10px;align-items:flex-start;border:1.5px solid var(--line);border-radius:12px;padding:12px;cursor:pointer;background:var(--bg);font-weight:400}
.pick-opt input{width:auto;margin-top:4px;accent-color:var(--brand)}
.pick-opt b{display:block;font-size:.95rem}
.pick-opt small{display:block;color:var(--muted);font-size:.8rem;font-variant-numeric:tabular-nums;white-space:nowrap}
.pick-opt:has(input:checked){border-color:var(--brand);background:color-mix(in srgb,var(--brand) 7%,var(--bg))}
.badge{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:999px}
.badge:empty{display:none}
.badge.req{color:var(--accent-ink);background:var(--accent)}
.badge.opt{color:var(--muted);padding-inline:0}
select:disabled{opacity:1;color:var(--ink)}
@media (max-width:820px){.pick{grid-template-columns:1fr}}

form label{align-content:start}

/* Calculator options and cost breakdown */
.calc-opts{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.calc-opts .opt{display:grid;gap:6px;font-weight:600;font-size:.88rem;min-width:0}
.calc-opts .full-opt{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.calc-opts input,.calc-opts select{font:inherit;font-weight:500;font-size:.92rem;padding:9px 10px;border-radius:10px;border:1.5px solid var(--line);background:var(--bg);color:var(--ink);width:100%;min-width:0}
.mini-seg{display:inline-flex;gap:3px;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:3px}
.mini-seg button{border:0;background:transparent;color:var(--muted);font:600 .85rem var(--body);padding:6px 16px;border-radius:999px;cursor:pointer}
.mini-seg button.on{background:var(--ink);color:var(--bg)}
.result .when{display:block;font-size:.85rem;opacity:.85;margin-top:4px}
.breakdown{grid-column:1/-1;margin:4px 0 0;display:grid;gap:6px;border-top:1px solid color-mix(in srgb,var(--brand-ink) 25%,transparent);padding-top:12px}
.breakdown div{display:flex;justify-content:space-between;gap:12px;font-size:.88rem}
.breakdown dt{opacity:.85}
.breakdown dt span{opacity:.75;font-size:.78rem}
.breakdown dd{margin:0;font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap}
.breakdown .sum{border-top:1px solid color-mix(in srgb,var(--brand-ink) 25%,transparent);padding-top:8px;margin-top:2px;font-size:1rem}
.breakdown .sum dt{opacity:1;font-weight:700}
@media (max-width:420px){.calc-opts{grid-template-columns:1fr}}

/* Inches checkout order card */
.store-order{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:#0a0a0a;color:#fff;padding:18px 20px;border-radius:12px;margin-top:6px}
.so-mark{font-family:"Bodoni Moda",Georgia,serif;letter-spacing:.32em;font-size:1.1rem}
.store-order dl{display:flex;gap:24px;margin:0}
.store-order dt{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;opacity:.7}
.store-order dd{margin:0;font-weight:600;font-variant-numeric:tabular-nums}

/* ---- October layout update ---- */
/* Header: logo left, links centred, button right */
.nav{display:grid;grid-template-columns:1fr auto 1fr}
.nav .btn{justify-self:end}
@media (max-width:820px){.nav{grid-template-columns:1fr auto}}

/* Full-width photo band under the header (about 6 cm tall) */
.hero-photo{position:relative;height:6cm;min-height:180px;overflow:hidden;
  background:
    linear-gradient(90deg,rgba(9,40,30,.55),rgba(9,40,30,.15) 60%,rgba(9,40,30,.45)),
    repeating-linear-gradient(100deg,#1d5a45 0 26px,#185040 26px 30px,#22644d 30px 58px,#164a3a 58px 61px),
    #0f4c3a}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top;max-width:none}

/* Hero: text, then the calculator underneath */
.hero{padding-block:48px 72px}
.hero-stack{display:grid;gap:40px}
.hero-copy{max-width:760px;min-width:0}
.hero-stack .calc{max-width:640px;width:100%;min-width:0}

/* Calculator results: instalment, interest & fees, total */
.result{grid-template-columns:1fr 1fr}

/* How it works: four steps */
.steps.steps-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1000px){.steps.steps-4{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.steps.steps-4{grid-template-columns:1fr}}

/* Loan choice bubbles: smaller and tidy */
.pick{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
form .pick-opt{padding:10px;gap:8px;min-width:0}
.pick-opt b{font-size:.88rem;line-height:1.2}
.pick-opt small{font-size:.72rem;white-space:normal;line-height:1.35}
.pick-opt span{min-width:0}
.pick-opt input{margin-top:2px;flex:none}
@media (max-width:620px){.pick{grid-template-columns:1fr}}
sup.ast{color:var(--accent);font-weight:700;margin-left:2px}

/* Monthly expenses */
.block-expenses{display:grid;gap:12px}
.exp-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.exp-grid label{font-size:.84rem}
.exp-total{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 16px;border-radius:12px;background:color-mix(in srgb,var(--brand) 8%,var(--bg));border:1px solid color-mix(in srgb,var(--brand) 25%,transparent);font-weight:600}
.exp-total output{font-family:var(--display);font-size:1.25rem;font-variant-numeric:tabular-nums;color:var(--brand)}
@media (max-width:820px){.exp-grid{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.exp-grid{grid-template-columns:1fr}}

/* Upload groups */
.upload-group{display:grid;gap:12px;border:1.5px solid var(--line);border-radius:var(--radius);padding:20px;transition:opacity .2s}
.upload-group .form-section{border-top:0;padding-top:0;margin-top:0}
.upload-group.off{opacity:.45}
.upload-group.off .drop,.upload-group.off textarea{pointer-events:none}
.group-note{display:none;font-weight:600;color:var(--ink)!important}
.upload-group.off .group-note{display:block}
.notes-box{margin-top:8px}
.hero h1 em{white-space:normal;background:linear-gradient(transparent 80%,color-mix(in srgb,var(--accent) 55%,transparent) 80%);-webkit-box-decoration-break:clone;box-decoration-break:clone}
.hero h1 em::after{content:none}
body{margin:0}
.exp-grid{align-items:end}
.pick-opt small:first-of-type{white-space:nowrap;font-size:.7rem}
/* Hero text and calculator centred on the page */
.hero-stack{justify-items:center}
.hero-copy{text-align:center;margin-inline:auto}
.hero-copy .lead{margin-inline:auto}
.hero-copy .hero-actions,.hero-copy .trust{justify-content:center}
.hero-copy .hero-actions{gap:20px}
.hero-copy .hero-actions .btn{min-width:220px}
@media (min-width:600px){.hero-copy .hero-actions{position:relative;left:-0.7cm}}
.hero-stack .calc{margin-inline:auto}
/* How it works: steps aligned to the top, text centred under each line */
.steps.steps-4{align-items:start}
.steps.steps-4 .step{align-content:start;justify-items:start;text-align:left}
/* "Registered businesses" bubble: gold with black text */
.tag.tag-biz{background:var(--accent);color:#000}
/* Loan choice bubbles: radio and text sit further left so the full amounts fit */
form .pick-opt{padding:10px 8px 10px 8px;gap:6px}
.pick-opt input{margin:2px 0 0 0;width:15px;height:15px}
.pick-opt small:first-of-type{font-size:.68rem;letter-spacing:-.01em}
@media (max-width:1060px) and (min-width:821px){.pick{grid-template-columns:1fr}}
/* Asterisk note: wrapped lines start directly under the first word */
.ast-note{display:flex;gap:.3em;align-items:baseline}
.ast-note > span:first-child{flex:none}