/* ============================================================
   VS Global Funding — 2026 "Cornerstone" preview
   Premium institutional · cream + deep navy + gold · serif
   ============================================================ */

:root{
  --bg:#FAF7F0;
  --bg-2:#F1EBDD;
  --navy:#0C1C3C;
  --navy-2:#13284E;
  --surface:#FFFFFF;
  --border:rgba(12,28,60,.12);
  --border-2:rgba(12,28,60,.22);

  --gold:#B68A38;
  --gold-2:#D7B05A;
  --grad:linear-gradient(135deg,#D7B05A 0%,#B68A38 100%);
  --gold-glow:rgba(182,138,56,.18);

  --ink:#0C1C3C;
  --muted:#566179;
  --muted-2:#8A93A4;
  --cream:#F6F1E6;

  --r-sm:8px; --r:14px; --r-lg:20px; --r-xl:28px;
  --shadow:0 30px 60px -34px rgba(12,28,60,.28);
  --shadow-sm:0 12px 30px -18px rgba(12,28,60,.22);

  --maxw:1200px;
  --font-display:'Fraunces',Georgia,serif;
  --font-body:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);background:var(--bg);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;line-height:1.08;letter-spacing:-.01em}

.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.76rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:"";width:26px;height:1.5px;background:var(--gold);border-radius:2px}
.grad-text{color:var(--gold);font-style:italic}
.muted{color:var(--muted)}
.center{text-align:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 30px;border-radius:6px;font-weight:600;font-size:.97rem;transition:transform .25s,box-shadow .25s,background .25s,color .25s;white-space:nowrap}
.btn-primary{background:var(--navy);color:var(--cream);box-shadow:var(--shadow-sm)}
.btn-primary:hover{transform:translateY(-3px);background:var(--navy-2)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--border-2)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.btn-gold{background:var(--grad);color:#1a1205;box-shadow:var(--shadow-sm)}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 18px 40px -16px var(--gold-glow)}
.btn-dark{background:var(--navy);color:var(--cream)}
.btn-dark:hover{transform:translateY(-2px);background:var(--navy-2)}
.btn-lg{padding:18px 38px;font-size:1.04rem}
.btn-block{width:100%}

/* Header */
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;transition:background .3s,border-color .3s,box-shadow .3s;border-bottom:1px solid transparent}
.site-header.scrolled{background:rgba(250,247,240,.88);backdrop-filter:blur(16px) saturate(140%);border-bottom-color:var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--font-display);font-weight:600;font-size:1.24rem;letter-spacing:-.01em}
.brand .mark{width:40px;height:40px;border-radius:8px;background:var(--navy);display:grid;place-items:center;color:var(--gold-2);font-weight:600;font-size:1.04rem;font-family:var(--font-display)}
.brand small{display:block;font-family:var(--font-body);font-size:.6rem;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.nav-links{display:flex;align-items:center;gap:36px}
.nav-links a{font-size:.95rem;color:var(--muted);font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:18px}
.nav-phone{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem;color:var(--navy)}
.nav-phone .dot{width:9px;height:9px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--gold-glow)}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:8px}
.nav-toggle span{width:24px;height:2px;background:var(--navy);border-radius:2px}

/* Hero */
.hero{position:relative;padding:172px 0 92px;overflow:hidden}
.hero::before{content:"";position:absolute;top:-20%;right:-8%;width:48%;height:90%;background:radial-gradient(closest-side,var(--gold-glow),transparent 70%);opacity:.8;z-index:0}
.hero .container{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:60px;align-items:center}
.hero h1{font-size:clamp(2.8rem,6vw,4.7rem);margin:24px 0 22px;font-weight:500}
.hero .lead{font-size:1.18rem;color:var(--muted);max-width:36ch;margin-bottom:34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px}
.hero-trust{display:flex;align-items:center;gap:22px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}
.hero-trust .stars{color:var(--gold);letter-spacing:2px}
.badge-nmls{display:inline-flex;align-items:center;gap:7px;padding:6px 14px;border:1px solid var(--border-2);border-radius:6px;font-size:.82rem;color:var(--navy)}

.hero-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);padding:32px;box-shadow:var(--shadow);position:relative}
.hero-card .hc-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.hero-card .hc-pill{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);background:var(--gold-glow);padding:6px 13px;border-radius:6px}
.hero-card h3{font-size:1.3rem;margin-bottom:6px;font-weight:600}
.hc-amount{font-family:var(--font-display);font-size:2.8rem;font-weight:600;margin:14px 0 4px;color:var(--navy)}
.hc-bar{height:8px;border-radius:999px;background:var(--bg-2);overflow:hidden;margin:16px 0 12px}
.hc-bar i{display:block;height:100%;width:78%;background:var(--grad);border-radius:999px;animation:grow 1.6s cubic-bezier(.2,.8,.2,1)}
@keyframes grow{from{width:0}}
.hc-row{display:flex;justify-content:space-between;font-size:.88rem;color:var(--muted);margin-bottom:7px}
.hc-row b{color:var(--navy)}

/* Stats */
.stats{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:var(--bg-2)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:48px 0}
.stat{text-align:center}
.stat .num{font-family:var(--font-display);font-size:clamp(2.2rem,4vw,3.1rem);font-weight:600;line-height:1;color:var(--navy)}
.stat .num .grad-text{font-style:normal;color:var(--gold)}
.stat .lbl{color:var(--muted);font-size:.92rem;margin-top:8px}

/* Section base */
.section{padding:100px 0;position:relative}
.section-head{max-width:660px;margin:0 auto 58px;text-align:center}
.section-head h2{font-size:clamp(2.1rem,4.4vw,3.2rem);margin:18px 0 16px;font-weight:500}
.section-head p{color:var(--muted);font-size:1.08rem}

/* Services */
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.svc{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:32px;transition:transform .3s,box-shadow .3s,border-color .3s;position:relative;box-shadow:var(--shadow-sm)}
.svc:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:var(--gold)}
.svc-ico{width:56px;height:56px;border-radius:12px;background:var(--gold-glow);display:grid;place-items:center;margin-bottom:20px;font-size:1.5rem}
.svc h3{font-size:1.3rem;margin-bottom:10px;font-weight:600}
.svc p{color:var(--muted);font-size:.96rem;margin-bottom:16px}
.svc .amt{font-weight:600;color:var(--gold);font-size:.9rem}
.svc .arrow{position:absolute;top:30px;right:30px;color:var(--muted-2);transition:transform .3s,color .3s}
.svc:hover .arrow{color:var(--gold);transform:translate(4px,-4px)}

/* Process — navy band */
.process{background:var(--navy);border-top:1px solid var(--navy);color:var(--cream)}
.process .section-head h2{color:var(--cream)}
.process .section-head p{color:rgba(246,241,230,.7)}
.process .eyebrow{color:var(--gold-2)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;counter-reset:s}
.step{position:relative;padding-top:22px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--font-display);font-size:2.6rem;font-weight:600;color:var(--gold-2);display:block;margin-bottom:14px}
.step h3{font-size:1.18rem;margin-bottom:8px;color:var(--cream);font-weight:600}
.step p{color:rgba(246,241,230,.66);font-size:.94rem}
.step-line{position:absolute;top:38px;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(215,176,90,.4),transparent);z-index:0}

/* Partners */
.partners{padding:64px 0;text-align:center}
.partners .label{color:var(--muted-2);font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:30px}
.partner-row{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap}
.partner{background:#fff;border:1px solid var(--border);border-radius:10px;padding:14px 24px;height:66px;display:grid;place-items:center;box-shadow:var(--shadow-sm);transition:transform .3s}
.partner:hover{transform:translateY(-4px)}
.partner img{max-height:34px;width:auto;object-fit:contain}

/* Reviews */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-sm)}
.review .stars{color:var(--gold);letter-spacing:2px;margin-bottom:14px}
.review p{font-size:1.04rem;margin-bottom:18px;font-family:var(--font-display);font-weight:400;line-height:1.5}
.review .who{display:flex;align-items:center;gap:12px}
.review .av{width:44px;height:44px;border-radius:50%;background:var(--navy);display:grid;place-items:center;color:var(--gold-2);font-weight:600;font-family:var(--font-display)}
.review .who b{display:block;font-size:.95rem}
.review .who span{color:var(--muted);font-size:.84rem}

/* CTA band — navy */
.cta-band{position:relative;overflow:hidden;border-radius:var(--r-xl);background:var(--navy);color:var(--cream);padding:68px;text-align:center}
.cta-band::before{content:"";position:absolute;top:-40%;left:50%;transform:translateX(-50%);width:60%;height:120%;background:radial-gradient(closest-side,rgba(215,176,90,.22),transparent 70%)}
.cta-band>*{position:relative}
.cta-band .eyebrow{color:var(--gold-2)}
.cta-band h2{font-size:clamp(2.1rem,4vw,3.1rem);margin-bottom:16px;color:var(--cream);font-weight:500}
.cta-band p{color:rgba(246,241,230,.74);font-size:1.1rem;max-width:50ch;margin:0 auto 30px}

/* Footer — navy */
.footer{border-top:1px solid var(--navy);padding:66px 0 30px;background:var(--navy);color:var(--cream)}
.footer .brand{color:var(--cream)}
.footer .brand .mark{background:var(--gold);color:var(--navy)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer h4{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-2);margin-bottom:18px}
.footer ul{list-style:none}
.footer li{margin-bottom:11px}
.footer li a{color:rgba(246,241,230,.72);font-size:.95rem;transition:color .2s}
.footer li a:hover{color:var(--gold-2)}
.footer .blurb{color:rgba(246,241,230,.72);font-size:.95rem;max-width:32ch;margin:16px 0 20px}
.footer-bottom{border-top:1px solid rgba(246,241,230,.14);padding-top:24px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;color:rgba(246,241,230,.6);font-size:.85rem}
.footer-disc{font-size:.78rem;color:rgba(246,241,230,.5);margin-top:18px;line-height:1.6}

/* Reveal */
[data-reveal]{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.8,.2,1),transform .7s cubic-bezier(.2,.8,.2,1)}
[data-reveal].in{opacity:1;transform:none}

/* Sticky prequal bar */
.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:90;transform:translateY(120%);transition:transform .4s cubic-bezier(.2,.8,.2,1)}
.sticky-bar.show{transform:none}
.sticky-bar .inner{margin:0 16px 16px;background:var(--navy);color:var(--cream);border-radius:14px;padding:15px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px;box-shadow:var(--shadow);max-width:var(--maxw);margin-left:auto;margin-right:auto}
.sticky-bar b{font-family:var(--font-display);font-weight:600}
.sticky-bar .s-txt span{display:block;color:rgba(246,241,230,.66);font-size:.85rem}

/* ---------- Skinned Gravity Form ---------- */
.qz{max-width:680px;margin:0 auto;background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow);overflow:hidden}
.qz-head{padding:28px 34px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:16px}
.qz-head h3{font-size:1.24rem;font-weight:600}
.qz-head .qz-count{color:var(--muted);font-size:.86rem}
.qz-prog{height:5px;background:var(--bg-2)}
.qz-prog i{display:block;height:100%;background:var(--grad);width:20%;transition:width .5s cubic-bezier(.2,.8,.2,1)}
.qz-body{padding:40px 34px}
.qz-step{display:none;animation:fade .4s ease}
.qz-step.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(10px)}}
.qz-q{font-family:var(--font-display);font-size:1.6rem;font-weight:500;margin-bottom:8px}
.qz-sub{color:var(--muted);margin-bottom:28px}
.qz-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.opt{position:relative;display:flex;align-items:center;gap:14px;padding:18px 20px;border:1.5px solid var(--border-2);border-radius:var(--r);background:var(--bg);cursor:pointer;transition:.25s;font-weight:500}
.opt:hover{border-color:var(--gold);transform:translateY(-2px)}
.opt input{position:absolute;opacity:0}
.opt .o-ico{font-size:1.4rem}
.opt .o-check{margin-left:auto;width:22px;height:22px;border-radius:50%;border:2px solid var(--border-2);display:grid;place-items:center;transition:.25s}
.opt input:checked~.o-check{border-color:var(--gold);background:var(--gold)}
.opt input:checked~.o-check::after{content:"✓";color:#fff;font-size:.8rem;font-weight:700}
.opt:has(input:checked){border-color:var(--gold);background:var(--gold-glow)}
.fld{margin-bottom:20px}
.fld label{display:block;font-weight:600;margin-bottom:9px;font-size:.92rem;color:var(--navy)}
.fld label .req{color:var(--gold)}
.fld input,.fld select{width:100%;padding:15px 16px;background:var(--bg);border:1.5px solid var(--border-2);border-radius:var(--r);color:var(--ink);font-size:1rem;font-family:inherit;transition:.2s}
.fld input::placeholder{color:var(--muted-2)}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px var(--gold-glow)}
.fld-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.range-wrap{background:var(--bg);border:1.5px solid var(--border-2);border-radius:var(--r);padding:24px}
.range-val{font-family:var(--font-display);font-size:2.3rem;font-weight:600;text-align:center;margin-bottom:14px;color:var(--navy)}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:999px;background:var(--bg-2)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--grad);cursor:pointer;box-shadow:var(--shadow-sm)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border:none;border-radius:50%;background:#B68A38;cursor:pointer}
.qz-foot{display:flex;justify-content:space-between;gap:14px;margin-top:30px}
.qz-result{text-align:center;padding:10px 0}
.qz-result .big{font-family:var(--font-display);font-size:3.3rem;font-weight:600;margin:10px 0;color:var(--gold)}
.qz-result .check{width:76px;height:76px;border-radius:50%;background:var(--gold-glow);display:grid;place-items:center;margin:0 auto 18px;font-size:2rem}
.gf-note{margin-top:18px;text-align:center;color:var(--muted-2);font-size:.84rem;display:flex;align-items:center;justify-content:center;gap:8px}
.gf-note b{color:var(--gold)}

.preview-ribbon{position:fixed;top:0;left:0;z-index:200;background:var(--grad);color:#1a1205;font-size:.74rem;font-weight:700;letter-spacing:.05em;padding:6px 38px;transform:translate(-32%,55%) rotate(-38deg);box-shadow:var(--shadow)}

/* Interior page hero */
.page-hero{padding:152px 0 62px;text-align:center;position:relative;border-bottom:1px solid var(--border)}
.page-hero h1{font-size:clamp(2.5rem,5vw,3.9rem);margin:18px 0 16px;font-weight:500}
.page-hero p{color:var(--muted);font-size:1.14rem;max-width:56ch;margin:0 auto}

/* Solutions rows */
.sol{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;padding:48px 0;border-bottom:1px solid var(--border)}
.sol:nth-child(even) .sol-media{order:2}
.sol-media{background:var(--navy);color:var(--cream);border:1px solid var(--navy);border-radius:var(--r-xl);padding:36px;min-height:280px;display:flex;flex-direction:column;justify-content:center;gap:14px;position:relative;overflow:hidden}
.sol-media::before{content:"";position:absolute;top:-30%;right:-20%;width:60%;height:90%;background:radial-gradient(closest-side,rgba(215,176,90,.2),transparent 70%)}
.sol-media .mrow{position:relative;display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid rgba(246,241,230,.16)}
.sol-media .mrow:last-child{border:none}
.sol-media .mrow span{color:rgba(246,241,230,.66)}
.sol-media .mrow b{font-family:var(--font-display);font-weight:600;color:var(--gold-2)}
.sol h2{font-size:clamp(1.9rem,3.4vw,2.6rem);margin:14px 0 14px;font-weight:500}
.sol p{color:var(--muted);margin-bottom:20px}
.sol ul{list-style:none;display:grid;gap:10px;margin-bottom:24px}
.sol li{display:flex;align-items:center;gap:11px;font-size:.98rem}
.sol li::before{content:"✓";color:var(--gold);font-weight:700}

@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:42px}
  .services,.reviews-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .sol{grid-template-columns:1fr;gap:26px}
  .sol:nth-child(even) .sol-media{order:0}
  .stats-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media(max-width:680px){
  .nav-links,.nav-phone{display:none}
  .nav-toggle{display:flex}
  .nav-links.open{display:flex;position:absolute;top:78px;left:16px;right:16px;flex-direction:column;background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:20px;gap:18px;box-shadow:var(--shadow)}
  .services,.reviews-grid,.qz-grid,.fld-row,.stats-grid{grid-template-columns:1fr}
  .section{padding:72px 0}
  .cta-band{padding:46px 24px}
  .hero{padding:132px 0 72px}
}

/* ---- Application landing: dropzone, sidebar, validation ---- */
.app-grid{display:grid;grid-template-columns:1.55fr .9fr;gap:34px;align-items:start;max-width:1060px;margin:0 auto}
.dropzone{border:2px dashed var(--border-2);border-radius:var(--r);background:var(--bg);padding:36px 24px;text-align:center;cursor:pointer;transition:.25s}
.dropzone:hover,.dropzone.drag{border-color:var(--gold);background:var(--gold-glow)}
.dz-ico{font-size:2.1rem;margin-bottom:10px}
.dropzone b{display:block;font-family:var(--font-display);font-weight:600;margin-bottom:4px;color:var(--navy)}
.dropzone span{color:var(--muted);font-size:.9rem}
.dz-files{list-style:none;margin-top:18px;display:grid;gap:8px;text-align:left}
.dz-files li{display:flex;align-items:center;gap:10px;background:var(--surface);border:1px solid var(--border);border-radius:10px;padding:11px 14px;font-size:.9rem;box-shadow:var(--shadow-sm)}
.dz-files li .fx{margin-left:auto;color:#2e9e5b;font-weight:700}
.dz-files li .fi{color:var(--gold)}
.app-aside{position:sticky;top:104px;background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);padding:28px}
.app-aside h4{font-family:var(--font-display);font-weight:600;font-size:1.06rem;margin-bottom:14px}
.app-aside ul{list-style:none;display:grid;gap:11px;margin-bottom:4px}
.app-aside li{display:flex;gap:10px;font-size:.93rem;color:var(--muted);align-items:flex-start}
.app-aside li::before{content:"✓";color:var(--gold);font-weight:700}
.app-aside .trust{margin-top:20px;padding-top:18px;border-top:1px solid var(--border);font-size:.84rem;color:var(--muted-2);display:flex;align-items:center;gap:8px}
.btn.bad{background:#f7e7e6 !important;color:#b3261e !important}
@media(max-width:900px){.app-grid{grid-template-columns:1fr}.app-aside{position:static;order:-1}}

/* ---- Quick Pricer result tiles ---- */
.qp-results{display:grid;grid-template-columns:1fr 1.3fr 1fr;gap:12px;margin:24px 0}
.qp-res{background:var(--bg);border:1px solid var(--border-2);border-radius:var(--r);padding:18px 14px;text-align:center}
.qp-res span{display:block;color:var(--muted);font-size:.8rem;margin-bottom:6px}
.qp-res b{font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--navy)}
.qp-res.big{background:var(--navy);border-color:var(--navy)}
.qp-res.big span{color:rgba(246,241,230,.7)}
.qp-res.big b{color:var(--gold-2);font-size:2rem}
@media(max-width:560px){.qp-results{grid-template-columns:1fr}}