:root {
    /* Brand — blue/teal scheme (from ten-figure-finance.html mockup) */
    --navy: #0b2545;
    --navy-soft: #123a6b;
    /* --gold-* names retained as the primary-accent slots, now blue */
    --gold: #1d6fd6;          /* primary action: buttons, CTAs, links on dark */
    --gold-soft: #14529e;     /* hover: blue-dark */
    --gold-ink: #14529e;      /* blue for text/links on light bg (legible) */
    --teal: #19b89a;          /* secondary accent: rules, ticks, underlines */
    --white: #FFFFFF;
    --muted: rgba(255, 255, 255, 0.72);  /* secondary text on dark */
    --rule: rgba(255, 255, 255, 0.12);   /* hairline on dark */
    /* Light theme */
    --paper: #FFFFFF;
    --paper-soft: #f3f7fc;    /* soft-blue alt sections */
    --ink: #1f2a3a;           /* primary text on light */
    --muted-ink: #5b6b80;     /* secondary text on light */
    --line-light: #e1e8f0;    /* hairline on light */
    --accent-soft: #e6f0fc;       /* soft-blue icon-badge background */
    --accent-soft-teal: #d8f3ec;  /* soft-teal icon-badge background */
}

*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
    background: var(--paper);
    color: var(--ink);
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    line-height: 1.6;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

a { color: var(--gold-ink); text-decoration: none; }
a:hover, a:focus-visible { text-decoration: underline; }

/* ===== Band system ===== */
.band--dark { background: var(--navy); color: var(--white); }
.band--dark a { color: var(--gold); }
.band--dark .section-label { color: var(--teal); }
.band--light { background: var(--paper); color: var(--ink); }
.band--light.alt { background: var(--paper-soft); }
.band-inner { max-width: 1100px; margin: 0 auto; padding: 76px 24px; }
.section-label {
    color: var(--gold-ink);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    margin: 0 0 10px;
}
.section-title {
    font-size: clamp(1.6rem, 3.5vw, 2.2rem);
    line-height: 1.15;
    margin: 0 0 14px;
    letter-spacing: -0.01em;
}
.section-intro { color: var(--muted-ink); max-width: 640px; margin: 0 0 36px; }
.band--dark .section-intro { color: var(--muted); }

/* ===== Buttons ===== */
.btn {
    display: inline-block;
    background: var(--gold);
    color: var(--white);
    padding: 13px 26px;
    border-radius: 4px;
    border: 0;
    cursor: pointer;
    font: inherit;
    font-weight: 600;
}
.btn:hover { background: var(--gold-soft); text-decoration: none; }
.btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.band--dark .btn { color: var(--white); } /* white text on blue buttons inside dark bands (beats .band--dark a) */
.btn.ghost { background: transparent; }
.band--dark .btn.ghost { color: var(--white); border: 1px solid var(--rule); }
.band--dark .btn.ghost:hover { border-color: var(--gold); color: var(--gold); }
.band--light .btn.ghost,
.btn.ghost { color: var(--ink); border: 1px solid var(--line-light); }
.band--light .btn.ghost:hover { border-color: var(--gold-ink); color: var(--gold-ink); }

/* ===== Top nav (dark band) ===== */
.site-nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 32px;
    background: var(--navy);
    color: var(--white);
    border-bottom: 1px solid var(--rule);
    gap: 16px;
    flex-wrap: wrap;
}
.site-nav .brand img { height: 72px; width: auto; display: block; }
.site-nav ul {
    list-style: none;
    display: flex;
    gap: 24px;
    margin: 0;
    padding: 0;
    align-items: center;
    flex-wrap: wrap;
}
.site-nav ul a { color: var(--white); font-weight: 500; font-size: 0.95rem; }
.site-nav ul a.cta {
    background: var(--gold);
    color: var(--white);
    padding: 9px 18px;
    border-radius: 4px;
    font-weight: 600;
}
.site-nav ul a.cta:hover { background: var(--gold-soft); text-decoration: none; }

/* ===== Hero (dark band, OnDeck-style left aligned) ===== */
.hero { background: var(--navy); color: var(--white); padding: 84px 24px 76px; }
.hero-inner { max-width: 1100px; margin: 0 auto; }
.hero-inner h1 {
    margin: 0;
    max-width: 760px;
    font-size: clamp(2.1rem, 5.2vw, 3.4rem);
    line-height: 1.08;
    font-weight: 700;
    letter-spacing: -0.015em;
}
.accent {
    display: block;
    width: 60px;
    height: 3px;
    background: var(--teal);
    margin: 22px 0 0;
    border: 0;
}
.hero-inner .lede {
    margin: 26px 0 34px;
    font-size: clamp(1.05rem, 1.6vw, 1.25rem);
    color: var(--muted);
    max-width: 620px;
}
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
    align-items: center;
}
.hero-copy { min-width: 0; }
.hero-media { min-width: 0; }
.hero-photo {
    width: 100%;
    height: auto;
    max-height: 440px;
    object-fit: cover;
    border-radius: 14px;
    display: block;
    border: 1px solid var(--rule);
}
@media (max-width: 860px) {
    .hero-grid { grid-template-columns: 1fr; gap: 28px; }
    .hero-media { order: 2; }
    .hero-photo { max-height: 300px; }
}

/* ===== Stats bar ===== */
.stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
}
.stat-card {
    background: var(--paper-soft);
    border: 1px solid var(--line-light);
    border-radius: 10px;
    padding: 26px 22px;
}
.stat-card .stat { color: var(--ink); font-size: 1.8rem; font-weight: 700; margin-bottom: 6px; }
.stat-card .stat::after { content: ""; display: block; width: 34px; height: 3px; background: var(--teal); margin-top: 8px; }
.stat-card .label { color: var(--muted-ink); font-size: 0.95rem; }

/* ARE WE A MATCH — minimum-requirements cards, OnDeck-style */
.minreq .section-title { text-align: center; }
.req-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-top: 8px; }
.req-card {
    background: var(--paper-soft);
    border: 1px solid var(--line-light);
    border-radius: 10px;
    padding: 26px 22px;
    text-align: center;
}
.req-card .req-value { color: var(--ink); font-size: 1.8rem; font-weight: 700; margin-bottom: 6px; }
.req-card .req-value::after { content: ""; display: block; width: 34px; height: 3px; background: var(--teal); margin: 8px auto 0; }
.req-card .req-label { color: var(--muted-ink); font-size: 0.95rem; }
.minreq-note { text-align: center; color: var(--muted-ink); font-size: 0.9rem; margin: 22px 0 0; }

/* HOW IT WORKS — animated two-column, OnDeck-style */
.hiw { display: grid; grid-template-columns: 1fr 0.85fr; gap: 48px; align-items: center; }
.hiw-copy { min-width: 0; }

.hiw-steps { list-style: none; margin: 8px 0 28px; padding: 0; }
.hiw-step { display: flex; gap: 16px; padding: 12px; border-radius: 12px; transition: background 0.4s ease; }
.hiw-step + .hiw-step { margin-top: 6px; }
.hiw-step.is-active { background: var(--paper); }
.hiw-num {
    flex: none; width: 40px; height: 40px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    background: var(--accent-soft-teal); color: var(--gold-ink);
    font-weight: 700; font-size: 1.05rem;
    transition: background 0.4s ease, color 0.4s ease, transform 0.4s ease;
}
.hiw-step.is-active .hiw-num { background: var(--gold); color: var(--white); transform: scale(1.08); }
.hiw-text h3 { margin: 6px 0 6px; font-size: 1.1rem; color: var(--ink); }
.hiw-text p { margin: 0; color: var(--muted-ink); font-size: 0.95rem; }

/* device stage */
.hiw-stage { position: relative; display: flex; align-items: center; justify-content: center; min-height: 460px; }
.hiw-blob { position: absolute; background: var(--teal); border-radius: 50%; z-index: 0; }
.hiw-blob--1 { width: 150px; height: 150px; top: 20px; right: 30px; opacity: 0.4; }
.hiw-blob--2 { width: 120px; height: 120px; bottom: 24px; left: 36px; opacity: 0.25; }

.hiw-phone {
    position: relative; z-index: 1;
    width: 230px; height: 460px;
    background: var(--navy); border-radius: 40px; padding: 14px;
    box-shadow: 0 28px 60px rgba(11, 37, 69, 0.28);
}
.hiw-screens { position: relative; width: 100%; height: 100%; background: var(--paper); border-radius: 28px; overflow: hidden; }
.hiw-screen {
    position: absolute; inset: 0; padding: 26px 20px;
    display: flex; flex-direction: column;
    opacity: 0; transform: translateY(8px); pointer-events: none;
    transition: opacity 0.45s ease, transform 0.45s ease;
}
.hiw-screen.is-active { opacity: 1; transform: none; }
.hiw-screen[data-screen="1"], .hiw-screen[data-screen="2"] { text-align: center; }

.hiw-brand { color: var(--gold-ink); font-weight: 800; font-size: 1.1rem; text-align: center; }
.hiw-screen-title { color: var(--navy); font-weight: 700; font-size: 1.05rem; text-align: center; margin: 14px 0 18px; }
.hiw-field { display: block; height: 30px; background: var(--paper-soft); border: 1px solid var(--line-light); border-radius: 8px; margin-bottom: 12px; }
.hiw-screen-btn { margin-top: auto; background: var(--gold); color: var(--white); text-align: center; font-weight: 700; font-size: 0.9rem; border-radius: 8px; padding: 11px; }

.hiw-mark { width: 64px; height: 64px; border-radius: 50%; margin: 40px auto 0; display: flex; align-items: center; justify-content: center; }
.hiw-mark svg { width: 32px; height: 32px; }
.hiw-mark--check { background: var(--accent-soft-teal); color: var(--teal); }
.hiw-mark--bank { background: var(--accent-soft); color: var(--gold-ink); }
.hiw-screen-note { color: var(--muted-ink); font-size: 0.9rem; text-align: center; margin: 10px 0 0; }

@media (max-width: 860px) {
    .hiw { grid-template-columns: 1fr; gap: 32px; }
    .hiw-stage { order: 2; min-height: 460px; }
}

/* WHAT CAN YOU DO WITH FUNDING — OnDeck-style funding-uses */
.fu-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: center; }
.fu-copy { min-width: 0; }

.fu-media { position: relative; display: flex; align-items: center; justify-content: center; min-height: 400px; }
.fu-circle { position: absolute; border-radius: 50%; z-index: 0; }
.fu-circle--soft { width: 150px; height: 150px; background: var(--accent-soft-teal); top: 8px; right: 24px; }
.fu-circle--solid { width: 96px; height: 96px; background: var(--teal); bottom: 16px; left: 18px; }
.fu-photo {
    position: relative; z-index: 1;
    width: 100%; max-width: 320px; aspect-ratio: 5 / 6; object-fit: cover;
    border-radius: 62% 38% 58% 42% / 56% 52% 48% 44%;
    box-shadow: 0 18px 46px rgba(11, 37, 69, 0.22);
}

.fu-card {
    background: var(--paper); border: 1px solid var(--line-light); border-radius: 14px;
    padding: 24px 26px; box-shadow: 0 14px 36px rgba(11, 37, 69, 0.06);
}
.fu-checks { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 16px 24px; }
.fu-checks li { display: flex; gap: 10px; align-items: flex-start; color: var(--ink); font-size: 0.95rem; line-height: 1.4; }
.fu-checks svg { flex: none; width: 20px; height: 20px; color: var(--teal); margin-top: 1px; }

@media (max-width: 860px) {
    .fu-grid { grid-template-columns: 1fr; gap: 32px; }
    .fu-media { min-height: 340px; }
    .fu-checks { grid-template-columns: 1fr; }
}

/* ===== Generic cards (products, contact) ===== */
.cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 20px;
    margin: 28px 0;
}
.card {
    background: var(--paper);
    border: 1px solid var(--line-light);
    border-radius: 10px;
    padding: 24px;
}
.card h3 { margin: 0 0 8px; color: var(--ink); }
.card p { margin: 0; color: var(--muted-ink); font-size: 0.95rem; }
.band--light.alt .card { background: var(--paper); }

/* ===== Why-us grid ===== */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; }
.why { padding: 4px 0; }
.why h3 { margin: 0 0 6px; font-size: 1.05rem; color: var(--ink); }
.why p { margin: 0; color: var(--muted-ink); font-size: 0.95rem; }

/* ===== Icon badges (product cards + why-us features) ===== */
/* Product-card icon: small rounded square, soft-blue, blue glyph */
.card .card-icon {
    width: 48px; height: 48px;
    border-radius: 12px;
    background: var(--accent-soft);
    color: var(--gold);                 /* glyph = primary blue */
    display: inline-flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
}
.card .card-icon svg { width: 26px; height: 26px; }

/* Why-us: centered circular badge above each feature (OnDeck-style feature row,
   rebuilt original on a light band with solid blue/teal circles so they pop) */
.why { text-align: center; padding: 8px 4px; }
.why-badge {
    width: 84px; height: 84px;
    border-radius: 50%;
    margin: 0 auto 18px;
    display: flex; align-items: center; justify-content: center;
    background: var(--gold);            /* solid blue circle */
    color: #fff;                        /* white glyph */
}
.why-badge svg { width: 38px; height: 38px; }
.why:nth-child(2n) .why-badge { background: var(--teal); color: #fff; } /* alternate solid teal */

/* ===== Industries ===== */
.ind-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px 18px; }
.ind-item { text-align: center; }
.ind-badge {
    width: 64px; height: 64px; border-radius: 50%;
    margin: 0 auto 12px;
    display: flex; align-items: center; justify-content: center;
    background: var(--accent-soft-teal); color: var(--gold-ink);
}
.ind-item:nth-child(2n) .ind-badge { background: var(--teal); color: #fff; }
.ind-badge svg { width: 30px; height: 30px; }
.ind-label { display: block; color: var(--ink); font-size: 0.95rem; font-weight: 600; line-height: 1.3; }

@media (max-width: 1040px) {
    .ind-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 860px) {
    .ind-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ===== Testimonials placeholder ===== */
.testimonial-placeholder {
    border: 2px dashed var(--gold);
    border-radius: 10px;
    padding: 28px 24px;
    background: var(--paper-soft);
    color: var(--muted-ink);
    text-align: center;
}
.testimonial-placeholder .tag {
    display: inline-block;
    background: var(--gold);
    color: var(--white);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: 4px;
    margin-bottom: 12px;
}

/* ===== FAQ (native details/summary, no JS) ===== */
.faq { max-width: 820px; }
.faq details {
    border-bottom: 1px solid var(--line-light);
    padding: 6px 0;
}
.faq summary {
    cursor: pointer;
    list-style: none;
    padding: 16px 0;
    font-weight: 600;
    color: var(--ink);
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold-ink); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 0 0 18px; color: var(--muted-ink); }

/* ===== Final CTA (dark band) ===== */
.final-cta { text-align: center; }
.final-cta h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); margin: 0 0 12px; }
.final-cta p { color: var(--muted); max-width: 560px; margin: 0 auto 28px; }

/* ===== Content/interior pages (light) ===== */
main.article { flex: 1; padding: 56px 24px 72px; }
main.article .container { max-width: 760px; margin: 0 auto; }
main.article .container.wide { max-width: 980px; }
main.article h1 { font-size: clamp(1.85rem, 4vw, 2.5rem); margin: 0 0 8px; line-height: 1.2; color: var(--ink); }
main.article .meta { color: var(--muted-ink); font-size: 0.9rem; margin-bottom: 32px; }
main.article h2 {
    margin-top: 40px;
    margin-bottom: 12px;
    font-size: 1.2rem;
    color: var(--ink);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}
main.article h2::after { content: ""; display: block; width: 40px; height: 3px; background: var(--teal); margin-top: 8px; }
main.article h3 { margin-top: 26px; margin-bottom: 8px; font-size: 1.05rem; color: var(--ink); }
main.article p, main.article li { color: #2A3340; }
main.article ul, main.article ol { padding-left: 22px; }
main.article li { margin: 6px 0; }
main.article hr { border: 0; border-top: 1px solid var(--line-light); margin: 40px 0; }
main.article table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; font-size: 0.95rem; }
main.article th, main.article td { border: 1px solid var(--line-light); padding: 10px 14px; text-align: left; vertical-align: top; }
main.article th { background: var(--navy); color: var(--white); font-weight: 600; }

/* ===== Forms (light) ===== */
form.tff-form { display: grid; gap: 18px; margin-top: 24px; }
form.tff-form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 600px) { form.tff-form .row { grid-template-columns: 1fr; } }
form.tff-form label { display: block; font-size: 0.85rem; color: var(--muted-ink); margin-bottom: 6px; }
form.tff-form input, form.tff-form select, form.tff-form textarea {
    width: 100%;
    padding: 12px 14px;
    background: var(--paper);
    border: 1px solid var(--line-light);
    color: var(--ink);
    border-radius: 4px;
    font: inherit;
}
form.tff-form input:focus, form.tff-form select:focus, form.tff-form textarea:focus {
    outline: 0;
    border-color: var(--gold-ink);
}
form.tff-form .consent {
    display: flex; gap: 10px; align-items: flex-start;
    font-size: 0.88rem; color: var(--muted-ink); line-height: 1.5;
}
form.tff-form .consent input { width: auto; margin-top: 3px; }
.fieldset-title {
    color: var(--gold-ink); font-size: 0.8rem; letter-spacing: 0.1em;
    text-transform: uppercase; margin: 32px 0 4px; font-weight: 700;
}
.form-note { font-size: 0.85rem; color: var(--muted-ink); margin-top: 4px; }

/* ===== Footer (dark band) ===== */
.site-footer {
    background: var(--navy);
    color: var(--muted);
    border-top: 1px solid var(--rule);
    padding: 48px 32px 28px;
    font-size: 0.9rem;
    margin-top: auto;
}
.footer-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; }
.site-footer h4 { color: var(--white); font-size: 0.8rem; letter-spacing: 0.1em; text-transform: uppercase; margin: 0 0 14px; }
.site-footer p { margin: 6px 0; }
.site-footer a { color: var(--gold); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin: 8px 0; }
.site-footer ul a { color: var(--muted); }
.site-footer ul a:hover { color: var(--gold); text-decoration: none; }
.site-footer .footer-brand img { height: 52px; margin-bottom: 12px; display: block; }
.site-footer .legal {
    max-width: 1100px; margin: 36px auto 0; padding-top: 24px;
    border-top: 1px solid var(--rule);
    font-size: 0.78rem; color: rgba(255, 255, 255, 0.55); line-height: 1.55;
}
.site-footer .legal p { margin: 8px 0; }

/* ===== Responsive ===== */
@media (max-width: 720px) {
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .site-nav { padding: 14px 20px; }
    .site-nav .brand img { height: 52px; }
    main.article { padding: 40px 20px 56px; }
    .band-inner { padding: 56px 20px; }
    .hero { padding: 56px 20px 52px; }
}