/* ============================================================
   VS Global Funding — 2026 "Velocity" preview
   Modern fintech · dark charcoal · refined green
   ============================================================ */

/* ---------- Tokens ---------- */
:root{
  --bg:#0A0E0C;
  --bg-2:#0E1411;
  --surface:#141B17;
  --surface-2:#1A231D;
  --border:rgba(255,255,255,.08);
  --border-2:rgba(255,255,255,.14);

  --green:#9DE83F;
  --green-2:#46D36A;
  --green-deep:#2BA84A;
  --grad:linear-gradient(135deg,#B7F24C 0%,#46D36A 60%,#21B6A8 100%);
  --green-glow:rgba(157,232,63,.30);

  --ink:#F3F7F1;
  --muted:#98A89E;
  --muted-2:#6F7E75;

  --r-sm:10px; --r:16px; --r-lg:24px; --r-xl:34px;
  --shadow:0 20px 50px -20px rgba(0,0,0,.7);
  --shadow-green:0 18px 50px -16px var(--green-glow);

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

/* ---------- Reset ---------- */
*,*::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:700;line-height:1.05;letter-spacing:-.02em}

.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--green);
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--green);border-radius:2px}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.muted{color:var(--muted)}
.center{text-align:center}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 28px;border-radius:999px;font-weight:600;font-size:.98rem;
  transition:transform .25s cubic-bezier(.2,.8,.2,1),box-shadow .25s,background .25s,color .25s;
  white-space:nowrap;
}
.btn-primary{background:var(--grad);color:#06140A;box-shadow:var(--shadow-green)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 24px 60px -14px var(--green-glow)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--border-2)}
.btn-ghost:hover{border-color:var(--green);color:var(--green);transform:translateY(-2px)}
.btn-dark{background:var(--surface-2);color:var(--ink);border:1px solid var(--border)}
.btn-dark:hover{transform:translateY(-2px);border-color:var(--border-2)}
.btn-lg{padding:18px 36px;font-size:1.05rem}
.btn-block{width:100%}

/* ---------- Header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  transition:background .3s,border-color .3s,padding .3s;
  border-bottom:1px solid transparent;
}
.site-header.scrolled{
  background:rgba(10,14,12,.82);backdrop-filter:blur(16px) saturate(140%);
  border-bottom-color:var(--border);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--font-display);font-weight:700;font-size:1.22rem;letter-spacing:-.02em}
.brand .mark{
  width:38px;height:38px;border-radius:11px;background:var(--grad);
  display:grid;place-items:center;color:#06140A;font-weight:700;font-size:1.02rem;
  box-shadow:var(--shadow-green);
}
.brand small{display:block;font-family:var(--font-body);font-size:.62rem;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.nav-links{display:flex;align-items:center;gap:34px}
.nav-links a{font-size:.95rem;color:var(--muted);font-weight:500;transition:color .2s;position:relative}
.nav-links a:hover{color:var(--ink)}
.nav-cta{display:flex;align-items:center;gap:16px}
.nav-phone{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem}
.nav-phone .dot{width:9px;height:9px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px var(--green-glow);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 4px var(--green-glow)}50%{box-shadow:0 0 0 8px transparent}}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:8px}
.nav-toggle span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.3s}

/* ---------- Hero ---------- */
.hero{position:relative;padding:170px 0 90px;overflow:hidden}
.hero::before{
  content:"";position:absolute;top:-10%;right:-10%;width:60%;height:80%;
  background:radial-gradient(closest-side,var(--green-glow),transparent 70%);
  filter:blur(20px);opacity:.6;z-index:0;
}
.hero::after{
  content:"";position:absolute;inset:0;z-index:0;opacity:.35;
  background-image:linear-gradient(var(--border) 1px,transparent 1px),linear-gradient(90deg,var(--border) 1px,transparent 1px);
  background-size:54px 54px;
  -webkit-mask-image:radial-gradient(ellipse 80% 60% at 50% 0%,#000 30%,transparent 75%);
          mask-image:radial-gradient(ellipse 80% 60% at 50% 0%,#000 30%,transparent 75%);
}
.hero .container{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.7rem,6vw,4.6rem);margin:22px 0 20px}
.hero .lead{font-size:1.2rem;color:var(--muted);max-width:34ch;margin-bottom:34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:38px}
.hero-trust{display:flex;align-items:center;gap:20px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}
.hero-trust .stars{color:var(--green);letter-spacing:2px}
.badge-nmls{display:inline-flex;align-items:center;gap:7px;padding:6px 13px;border:1px solid var(--border);border-radius:999px;font-size:.82rem;color:var(--ink)}

/* hero card: instant prequal teaser */
.hero-card{
  background:linear-gradient(180deg,var(--surface),var(--bg-2));
  border:1px solid var(--border);border-radius:var(--r-xl);
  padding:30px;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:.74rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--green);background:var(--green-glow);padding:6px 12px;border-radius:999px}
.hero-card h3{font-size:1.35rem;margin-bottom:6px}
.hc-amount{font-family:var(--font-display);font-size:2.7rem;font-weight:700;margin:14px 0 4px;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hc-bar{height:8px;border-radius:999px;background:var(--surface-2);overflow:hidden;margin:16px 0 10px}
.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:.85rem;color:var(--muted);margin-bottom:6px}

/* ---------- Stats band ---------- */
.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:46px 0}
.stat{text-align:center}
.stat .num{font-family:var(--font-display);font-size:clamp(2.1rem,4vw,3rem);font-weight:700;line-height:1}
.stat .num .grad-text{display:inline}
.stat .lbl{color:var(--muted);font-size:.92rem;margin-top:8px}

/* ---------- Section base ---------- */
.section{padding:96px 0;position:relative}
.section-head{max-width:640px;margin:0 auto 56px;text-align:center}
.section-head h2{font-size:clamp(2rem,4.3vw,3.1rem);margin:16px 0 16px}
.section-head p{color:var(--muted);font-size:1.08rem}

/* ---------- Services grid ---------- */
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);
  padding:30px;transition:transform .3s,border-color .3s,background .3s;position:relative;overflow:hidden;
}
.svc::after{content:"";position:absolute;inset:0;border-radius:inherit;padding:1px;background:var(--grad);-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:0;transition:opacity .3s}
.svc:hover{transform:translateY(-6px);background:var(--surface-2)}
.svc:hover::after{opacity:1}
.svc-ico{width:54px;height:54px;border-radius:14px;background:var(--green-glow);display:grid;place-items:center;margin-bottom:18px;font-size:1.5rem}
.svc h3{font-size:1.28rem;margin-bottom:10px}
.svc p{color:var(--muted);font-size:.96rem;margin-bottom:16px}
.svc .amt{font-weight:600;color:var(--green);font-size:.9rem}
.svc .arrow{position:absolute;top:28px;right:28px;color:var(--muted);transition:transform .3s,color .3s}
.svc:hover .arrow{color:var(--green);transform:translate(4px,-4px)}

/* ---------- Process ---------- */
.process{background:var(--bg-2);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s}
.step{position:relative;padding-top:20px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--font-display);font-size:2.4rem;font-weight:700;color:transparent;-webkit-text-stroke:1.4px var(--border-2);display:block;margin-bottom:14px}
.step h3{font-size:1.18rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.94rem}
.step-line{position:absolute;top:34px;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--border-2),transparent);z-index:-1}

/* ---------- Partners ---------- */
.partners{padding:60px 0;text-align:center}
.partners .label{color:var(--muted-2);font-size:.82rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:28px}
.partner-row{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap}
.partner{background:#fff;border-radius:12px;padding:14px 22px;height:64px;display:grid;place-items:center;filter:grayscale(.2);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:22px}
.review{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:28px}
.review .stars{color:var(--green);letter-spacing:2px;margin-bottom:14px}
.review p{font-size:1rem;margin-bottom:18px}
.review .who{display:flex;align-items:center;gap:12px}
.review .av{width:42px;height:42px;border-radius:50%;background:var(--grad);display:grid;place-items:center;color:#06140A;font-weight:700}
.review .who b{display:block;font-size:.95rem}
.review .who span{color:var(--muted);font-size:.84rem}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;border-radius:var(--r-xl);background:linear-gradient(135deg,var(--surface),var(--bg-2));border:1px solid var(--border);padding:64px;text-align:center}
.cta-band::before{content:"";position:absolute;top:-40%;left:50%;transform:translateX(-50%);width:70%;height:120%;background:radial-gradient(closest-side,var(--green-glow),transparent 70%);opacity:.7}
.cta-band>*{position:relative}
.cta-band h2{font-size:clamp(2rem,4vw,3rem);margin-bottom:16px}
.cta-band p{color:var(--muted);font-size:1.1rem;max-width:50ch;margin:0 auto 30px}

/* ---------- Footer ---------- */
.footer{border-top:1px solid var(--border);padding:64px 0 30px;background:var(--bg-2)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:46px}
.footer h4{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted-2);margin-bottom:18px}
.footer ul{list-style:none}
.footer li{margin-bottom:11px}
.footer li a{color:var(--muted);font-size:.95rem;transition:color .2s}
.footer li a:hover{color:var(--green)}
.footer .blurb{color:var(--muted);font-size:.95rem;max-width:32ch;margin:16px 0 20px}
.footer-bottom{border-top:1px solid var(--border);padding-top:24px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;color:var(--muted-2);font-size:.85rem}
.footer-disc{font-size:.78rem;color:var(--muted-2);max-width:none;margin-top:18px;line-height:1.6}

/* ---------- Reveal animation ---------- */
[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:rgba(14,20,17,.92);backdrop-filter:blur(16px);border:1px solid var(--border-2);border-radius:18px;padding:14px 20px;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)}
.sticky-bar .s-txt span{display:block;color:var(--muted);font-size:.85rem}

/* ============================================================
   SKINNED GRAVITY FORM  (multi-step pre-qual)
   ============================================================ */
.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:26px 32px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:16px}
.qz-head h3{font-size:1.2rem}
.qz-head .qz-count{color:var(--muted);font-size:.86rem}
.qz-prog{height:6px;background:var(--surface-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:38px 32px}
.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:1.5rem;font-weight:600;margin-bottom:8px}
.qz-sub{color:var(--muted);margin-bottom:26px}
.qz-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
/* radio cards */
.opt{position:relative;display:flex;align-items:center;gap:14px;padding:18px 20px;border:1px solid var(--border-2);border-radius:var(--r);background:var(--bg-2);cursor:pointer;transition:.25s;font-weight:500}
.opt:hover{border-color:var(--green);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(--green);background:var(--green)}
.opt input:checked~.o-check::after{content:"✓";color:#06140A;font-size:.8rem;font-weight:700}
.opt:has(input:checked){border-color:var(--green);background:linear-gradient(135deg,rgba(157,232,63,.12),transparent)}
/* labeled fields */
.fld{margin-bottom:20px}
.fld label{display:block;font-weight:500;margin-bottom:9px;font-size:.95rem}
.fld label .req{color:var(--green)}
.fld input,.fld select{
  width:100%;padding:15px 16px;background:var(--bg-2);border:1px 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(--green);box-shadow:0 0 0 4px var(--green-glow)}
.fld-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
/* slider */
.range-wrap{background:var(--bg-2);border:1px solid var(--border-2);border-radius:var(--r);padding:22px}
.range-val{font-family:var(--font-display);font-size:2.2rem;font-weight:700;text-align:center;margin-bottom:14px}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:999px;background:var(--surface-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-green)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border:none;border-radius:50%;background:#9DE83F;cursor:pointer}
.qz-foot{display:flex;justify-content:space-between;gap:14px;margin-top:30px}
/* result */
.qz-result{text-align:center;padding:10px 0}
.qz-result .big{font-family:var(--font-display);font-size:3.2rem;font-weight:700;margin:10px 0;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.qz-result .check{width:74px;height:74px;border-radius:50%;background:var(--green-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(--green)}

/* preview ribbon */
.preview-ribbon{position:fixed;top:0;left:0;z-index:200;background:var(--grad);color:#06140A;font-size:.74rem;font-weight:700;letter-spacing:.05em;padding:6px 38px;transform:translate(-32%,55%) rotate(-38deg);box-shadow:var(--shadow)}

/* ---------- Page hero (interior) ---------- */
.page-hero{padding:150px 0 60px;text-align:center;position:relative;border-bottom:1px solid var(--border)}
.page-hero h1{font-size:clamp(2.4rem,5vw,3.8rem);margin:18px 0 16px}
.page-hero p{color:var(--muted);font-size:1.15rem;max-width:56ch;margin:0 auto}

/* solutions detail rows */
.sol{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center;padding:44px 0;border-bottom:1px solid var(--border)}
.sol:nth-child(even) .sol-media{order:2}
.sol-media{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-xl);padding:34px;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,var(--green-glow),transparent 70%)}
.sol-media .mrow{position:relative;display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--border)}
.sol-media .mrow:last-child{border:none}
.sol-media .mrow span{color:var(--muted)}
.sol-media .mrow b{font-family:var(--font-display)}
.sol h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin:14px 0 14px}
.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(--green);font-weight:700}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .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:76px;left:16px;right:16px;flex-direction:column;background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:20px;gap:18px}
  .services,.reviews-grid,.qz-grid,.fld-row,.stats-grid{grid-template-columns:1fr}
  .section{padding:70px 0}
  .cta-band{padding:44px 24px}
  .hero{padding:130px 0 70px}
  .preview-ribbon{font-size:.66rem}
}