/* =========================================================
   Flex Cash Funding — site styles
   Brand: black / gold / red / cream · Playfair Display + Source Sans 3
   ========================================================= */
:root{
  --ink:#111111;
  --ink-2:#2a2623;
  --gold:#C9A227;
  --gold-deep:#a8841a;
  --gold-soft:#f3e7c2;
  --red:#B3261E;
  --red-deep:#8e1c16;
  --cream:#FAF6EE;
  --cream-2:#F2EBDD;
  --white:#ffffff;
  --muted:#5f5850;
  --line:#e4dccb;
  --radius:14px;
  --shadow:0 10px 30px rgba(17,17,17,.10);
  --max:1180px;
  --serif:"Playfair Display", Georgia, "Times New Roman", serif;
  --sans:"Source Sans 3", "Segoe UI", Arial, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.6;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--red)}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.15;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem)}
h3{font-size:clamp(1.25rem,2.2vw,1.6rem)}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--ink);padding:10px 16px;z-index:999}
.skip:focus{left:12px;top:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* ---------- Top bar & header ---------- */
.topbar{background:var(--ink);color:var(--cream);font-size:.9rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:var(--gold);text-decoration:none;font-weight:600}
.site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.brand img{height:62px;width:auto}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase}
.nav a:hover,.nav a[aria-current="page"]{color:var(--red)}
.nav .btn{color:var(--white)}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.menu-toggle span{display:block;width:26px;height:3px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}

/* ---------- Buttons ---------- */
.btn{display:inline-block;background:var(--red);color:var(--white);padding:14px 28px;border-radius:999px;font-weight:700;text-decoration:none;letter-spacing:.05em;text-transform:uppercase;font-size:.95rem;border:2px solid var(--red);transition:.2s;cursor:pointer;font-family:var(--sans)}
.btn:hover{background:var(--red-deep);border-color:var(--red-deep);transform:translateY(-1px)}
.btn-gold{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.btn-gold:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:var(--ink)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:var(--white)}
.btn-light{background:transparent;color:var(--white);border-color:var(--white)}
.btn-light:hover{background:var(--white);color:var(--ink)}
.btn-sm{padding:10px 20px;font-size:.85rem}

/* ---------- Sections ---------- */
section{padding:84px 0}
.section-dark{background:var(--ink);color:var(--cream)}
.section-dark h1,.section-dark h2,.section-dark h3{color:var(--white)}
.section-cream2{background:var(--cream-2)}
.section-white{background:var(--white)}
.eyebrow{display:inline-block;font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.8rem;color:var(--red);margin-bottom:14px}
.section-dark .eyebrow{color:var(--gold)}
.center{text-align:center}
.lead{font-size:1.2rem;color:var(--muted)}
.section-dark .lead{color:#d9d1c2}
.rule{width:70px;height:3px;background:var(--gold);border:0;margin:18px 0 26px}
.center .rule{margin-left:auto;margin-right:auto}
.narrow{max-width:780px;margin-left:auto;margin-right:auto}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--ink);color:var(--white);padding:0;overflow:hidden}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding-top:80px;padding-bottom:80px}
.hero h1{color:var(--white)}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .sub{font-family:var(--serif);font-size:clamp(1.3rem,2.6vw,1.8rem);color:var(--gold-soft);margin-bottom:18px}
.hero p{color:#e3dccd;font-size:1.15rem}
.hero .reassure{font-size:.95rem;color:#bdb4a4;margin-top:16px}
.hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:0 20px 50px rgba(0,0,0,.45);border:3px solid var(--gold)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}
.page-hero{background:var(--ink);color:var(--white);padding:72px 0 64px;text-align:center}
.page-hero h1{color:var(--white)}
.page-hero p{color:#e3dccd;max-width:760px;margin:0 auto 1em;font-size:1.15rem}

/* ---------- Trust strip ---------- */
.trust{background:var(--gold);padding:26px 0}
.trust ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;text-align:center}
.trust li{font-family:var(--serif);font-weight:700;font-size:1.25rem;color:var(--ink)}
.trust li small{display:block;font-family:var(--sans);font-weight:600;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-2)}

/* ---------- Statement band ---------- */
.statement{background:var(--cream-2);text-align:center}
.statement h2{max-width:900px;margin:0 auto 18px}
.statement blockquote{margin:24px auto 0;max-width:820px;font-family:var(--serif);font-style:italic;font-size:clamp(1.3rem,2.6vw,1.8rem);color:var(--red)}

/* ---------- Split layouts ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.reverse > :first-child{order:2}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.portrait{border:4px solid var(--gold)}
.checks{list-style:none;padding:0;margin:20px 0}
.checks li{position:relative;padding-left:34px;margin-bottom:10px;font-weight:600}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:22px;height:22px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23111' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/14px no-repeat}
.section-dark .checks li{color:var(--cream)}
.callout{background:var(--white);border-left:5px solid var(--red);padding:18px 22px;border-radius:8px;box-shadow:var(--shadow);margin-top:22px}
.callout strong{color:var(--red)}
.callout a{font-size:1.3rem;font-weight:700;color:var(--ink);text-decoration:none}
.signature{font-family:var(--serif);font-style:italic;color:var(--red);font-size:1.15rem}

/* ---------- Cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:44px}
.card{background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;border-top:5px solid var(--gold)}
.card img{width:100%;aspect-ratio:4/3;object-fit:cover}
.card .body{padding:26px;display:flex;flex-direction:column;flex:1}
.card .tag{font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--red);margin:4px 0 18px}
.card .btn{margin-top:auto;align-self:flex-start}

/* ---------- Pillars (Equity Solutions) ---------- */
.pillar{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding:56px 0;border-bottom:1px solid var(--line)}
.pillar:last-child{border-bottom:0}
.pillar:nth-child(even) > .pillar-media{order:2}
.pillar-media img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;aspect-ratio:4/3;object-fit:cover}
.pillar-num{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:var(--ink);color:var(--gold);font-family:var(--serif);font-weight:700;font-size:1.4rem;margin-bottom:14px}
.pillar ul{padding-left:0;list-style:none}
.pillar .intro{font-weight:600;font-size:1.1rem}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:44px;counter-reset:step}
.step{background:var(--ink-2);border:1px solid #3d3732;border-radius:var(--radius);padding:34px 28px;position:relative}
.step .num{font-family:var(--serif);font-size:3.2rem;color:var(--gold);line-height:1;margin-bottom:10px}
.step h3{color:var(--white)}
.step p{color:#d9d1c2}

/* ---------- FAQ ---------- */
.faq{max-width:860px;margin:40px auto 0}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:10px;margin-bottom:14px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:20px 56px 20px 24px;font-family:var(--serif);font-weight:700;font-size:1.15rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.8rem;color:var(--red);font-family:var(--sans);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .answer{padding:18px 24px 6px}

/* ---------- Forms ---------- */
.form-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.form-card{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px;border-top:5px solid var(--red)}
.form-card h3{margin-bottom:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid .full{grid-column:1/-1}
label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:8px;font:inherit;font-size:1rem;background:var(--cream);color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px rgba(201,162,39,.25)}
textarea{min-height:120px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);font-weight:400}
.consent input{width:auto;margin-top:4px}
.form-note{font-size:.85rem;color:var(--muted);margin-top:14px}
.hidden{display:none}
.ghl-embed iframe{width:100%;border:0;min-height:900px}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,var(--red) 0%,var(--red-deep) 100%);color:var(--white);text-align:center;padding:70px 0}
.cta-band h2{color:var(--white)}
.cta-band p{color:#fde9e7;font-size:1.15rem;max-width:720px;margin:0 auto 26px}
.cta-band .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- Podcast ---------- */
.podcast iframe{width:100%;max-width:820px;height:232px;border:0;border-radius:12px;display:block;margin:28px auto 0}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:#cfc7b8;padding:64px 0 28px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.site-footer h4{color:var(--gold);font-family:var(--sans);text-transform:uppercase;letter-spacing:.12em;font-size:.85rem;margin-bottom:14px}
.site-footer a{color:var(--cream);text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.footer-logo{background:var(--white);display:inline-block;padding:10px 14px;border-radius:10px;margin-bottom:16px}
.footer-logo img{height:54px;width:auto}
.legal{border-top:1px solid #333;margin-top:44px;padding-top:22px;font-size:.82rem;color:#9d9586;line-height:1.55}
.legal p{margin-bottom:.6em}
.ehl{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:#cfc7b8}

/* ---------- Mobile call bar ---------- */
.mobile-cta{display:none}

/* ---------- Thank you ---------- */
.thanks{min-height:60vh;display:flex;align-items:center;text-align:center}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero .container,.split,.pillar,.form-wrap{grid-template-columns:1fr;gap:36px}
  .split.reverse > :first-child,.pillar:nth-child(even) > .pillar-media{order:0}
  .cards,.steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero .container{padding-top:56px;padding-bottom:56px}
}
@media (max-width:860px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:14px;text-align:center;border-bottom:0}
  .brand img{height:50px}
}
@media (max-width:640px){
  body{font-size:17px;padding-bottom:64px}
  section{padding:60px 0}
  .trust ul{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .topbar .hide-sm{display:none}
  .mobile-cta{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,.2)}
  .mobile-cta a{padding:16px;text-align:center;font-weight:700;text-decoration:none;text-transform:uppercase;letter-spacing:.05em;font-size:.9rem}
  .mobile-cta .call{background:var(--ink);color:var(--gold)}
  .mobile-cta .apply{background:var(--red);color:var(--white)}
}
.statement .rule{margin-left:auto;margin-right:auto}