/* ============================================================
   ONWARD EQUIPMENT FINANCE — SHARED STYLES
   Used by every page (index, industries, businesses, partners,
   investors, apply, contact). Edit once, applies everywhere.
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy:  #0D1B33;
  --navy2: #152240;
  --navy3: #1C2C4F;
  --gold:  #C49A57;
  --goldl: #E0BB7E;
  --white: #FFFFFF;
  --off:   #F8F7F5;
  --stone: #EAE8E4;
  --mid:   #5B6373;
  --midd:  #434B5C;
  --text:  #161C2E;
  --ease:  cubic-bezier(.4,0,.2,1);
}
html { scroll-behavior: smooth; }
body { font-family: 'Jost', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; -webkit-font-smoothing: antialiased; font-size: 16px; line-height: 1.6; }
img { display: block; max-width: 100%; }

/* NAV */
nav { position: fixed; top: 0; left: 0; right: 0; z-index: 200; height: 70px; display: flex; align-items: center; justify-content: space-between; padding: 0 6%; background: transparent; transition: background .5s var(--ease), border-bottom .5s var(--ease); }
nav.filled { background: rgba(13,27,51,.94); backdrop-filter: blur(10px); border-bottom: 1px solid rgba(196,154,87,.18); }
.nav-right { display: flex; align-items: center; gap: 30px; }
.nav-link { font-size: 12px; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.82); text-decoration: none; transition: color .25s; }
.nav-link:hover, .nav-link.active { color: var(--goldl); }
.nav-btn { font-size: 11px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); background: var(--gold); padding: 11px 24px; border-radius: 3px; text-decoration: none; transition: background .25s, transform .2s, box-shadow .25s; }
.nav-btn:hover { background: var(--goldl); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(196,154,87,.3); }

/* LOGO */
.logo { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; }
.logo-icon { width: 34px; height: 34px; flex-shrink: 0; }
.logo-words { display: flex; flex-direction: column; gap: 2px; }
.logo-name { font-family: 'Cormorant Garamond', serif; font-weight: 600; font-size: 21px; letter-spacing: .12em; text-transform: uppercase; line-height: 1; color: #fff; }
.logo-sub  { font-family: 'Jost', sans-serif; font-weight: 400; font-size: 8.5px; letter-spacing: .28em; text-transform: uppercase; color: var(--gold); line-height: 1; }

/* BUTTONS */
.btn-gold { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); background: var(--gold); padding: 16px 36px; border-radius: 3px; text-decoration: none; border: none; cursor: pointer; transition: background .25s, transform .2s, box-shadow .25s; display: inline-block; }
.btn-gold:hover { background: var(--goldl); transform: translateY(-2px); box-shadow: 0 10px 32px rgba(196,154,87,.34); }
.btn-outline { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.85); background: transparent; padding: 16px 36px; border-radius: 3px; text-decoration: none; border: 1px solid rgba(255,255,255,.28); transition: color .25s, border-color .25s, background .25s; display: inline-block; }
.btn-outline:hover { color: #fff; border-color: var(--gold); background: rgba(196,154,87,.08); }
.btn-navy { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: #fff; background: var(--navy); padding: 16px 36px; border-radius: 3px; text-decoration: none; border: none; cursor: pointer; transition: background .25s, transform .2s; display: inline-block; }
.btn-navy:hover { background: var(--navy2); transform: translateY(-2px); }
.btn-ghost-navy { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); background: transparent; padding: 16px 36px; border-radius: 3px; text-decoration: none; border: 1px solid rgba(13,27,51,.25); transition: border-color .25s, background .25s; display: inline-block; }
.btn-ghost-navy:hover { border-color: var(--gold); background: rgba(196,154,87,.07); }

/* HOME HERO (photo-forward) */
.hero { min-height: 100vh; background: var(--navy); display: flex; flex-direction: column; justify-content: center; padding: 120px 6% 80px; position: relative; overflow: hidden; }
.hero-photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; opacity: .32; }
.hero-overlay { position: absolute; inset: 0; z-index: 1; background: linear-gradient(110deg, rgba(13,27,51,.95) 0%, rgba(13,27,51,.78) 45%, rgba(13,27,51,.55) 100%); }
.hero-aurora { position: absolute; inset: 0; z-index: 1; overflow: hidden; pointer-events: none; }
.hero-aurora span { position: absolute; border-radius: 50%; filter: blur(90px); will-change: transform; }
.hero-aurora .a1 { width: 60vw; height: 60vw; background: radial-gradient(circle, rgba(196,154,87,.30), transparent 68%); top: -22%; right: -12%; animation: drift1 20s var(--ease) infinite alternate; }
.hero-aurora .a2 { width: 52vw; height: 52vw; background: radial-gradient(circle, rgba(28,44,79,.85), rgba(196,154,87,.08) 60%, transparent 76%); bottom: -28%; left: -8%; animation: drift2 26s var(--ease) infinite alternate; }
@keyframes drift1 { from { transform: translate(0,0) scale(1); } to { transform: translate(-7%,9%) scale(1.08); } }
@keyframes drift2 { from { transform: translate(0,0) scale(1); } to { transform: translate(9%,-7%) scale(1.1); } }
.hero-content { max-width: 940px; position: relative; z-index: 2; }
.hero-tag { font-size: 11px; font-weight: 500; letter-spacing: .26em; text-transform: uppercase; color: var(--goldl); margin-bottom: 30px; opacity: 0; animation: up .9s .1s var(--ease) forwards; }
.hero-h1 { font-family: 'Cormorant Garamond', serif; font-weight: 300; font-size: clamp(52px,7vw,94px); line-height: 1.04; color: #fff; letter-spacing: -.01em; margin-bottom: 28px; opacity: 0; animation: up .9s .25s var(--ease) forwards; }
.hero-h1 i { font-style: italic; color: var(--gold); }
.hero-rule { width: 44px; height: 2px; background: var(--gold); margin-bottom: 28px; opacity: 0; animation: up .9s .4s var(--ease) forwards; }
.hero-p { font-size: 19px; font-weight: 400; line-height: 1.75; color: rgba(255,255,255,.82); max-width: 580px; margin-bottom: 44px; opacity: 0; animation: up .9s .5s var(--ease) forwards; }
.hero-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; opacity: 0; animation: up .9s .65s var(--ease) forwards; }
.hero-stats { display: flex; gap: 52px; flex-wrap: wrap; margin-top: 60px; padding-top: 38px; border-top: 1px solid rgba(255,255,255,.14); max-width: 640px; opacity: 0; animation: up .9s .8s var(--ease) forwards; }
.hstat { display: flex; flex-direction: column; justify-content: flex-end; }
.hstat-pre { font-size: 10px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 6px; }
.hstat-n { font-family: 'Cormorant Garamond', serif; font-weight: 400; font-size: 40px; line-height: 1; color: var(--goldl); display: block; margin-bottom: 8px; }
.hstat-l { font-size: 11px; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.66); }

/* SUB-PAGE HERO (photo band) */
.page-hero { position: relative; min-height: 56vh; display: flex; align-items: flex-end; padding: 140px 6% 64px; overflow: hidden; background: var(--navy); }
.page-hero-photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; opacity: .42; }
.page-hero-overlay { position: absolute; inset: 0; z-index: 1; background: linear-gradient(180deg, rgba(13,27,51,.72) 0%, rgba(13,27,51,.6) 40%, rgba(13,27,51,.92) 100%); }
.page-hero-content { position: relative; z-index: 2; max-width: 1000px; margin: 0 auto; width: 100%; }
.page-hero .eyebrow { color: var(--goldl); }
.page-hero-h1 { font-family: 'Cormorant Garamond', serif; font-weight: 300; font-size: clamp(40px,5.5vw,72px); line-height: 1.05; color: #fff; letter-spacing: -.01em; margin-bottom: 18px; }
.page-hero-h1 i { font-style: italic; color: var(--gold); }
.page-hero-p { font-size: 18px; font-weight: 400; line-height: 1.7; color: rgba(255,255,255,.82); max-width: 600px; }

/* SECTION BASE */
section { padding: 110px 6%; }
.inner { max-width: 1000px; margin: 0 auto; }
.inner-wide { max-width: 1180px; margin: 0 auto; }
.eyebrow { font-size: 11px; font-weight: 600; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.s-h2 { font-family: 'Cormorant Garamond', serif; font-weight: 300; font-size: clamp(34px,4.2vw,54px); line-height: 1.1; color: var(--navy); margin-bottom: 20px; letter-spacing: -.01em; }
.s-h2.light { color: #fff; }
.s-h2 i { font-style: italic; color: var(--gold); }
.s-rule { width: 36px; height: 2px; background: var(--gold); margin-bottom: 28px; }
.s-lead { font-size: 17px; font-weight: 400; line-height: 1.8; color: var(--mid); max-width: 580px; margin-bottom: 56px; }
.s-lead.light { color: rgba(255,255,255,.7); }
.bg-off { background: var(--off); }
.bg-navy { background: var(--navy); position: relative; overflow: hidden; }
.bg-white { background: #fff; }

/* AUDIENCE HUB CARDS (home) */
.aud-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 22px; }
.aud-card { position: relative; min-height: 320px; border-radius: 6px; overflow: hidden; display: flex; flex-direction: column; justify-content: flex-end; padding: 34px; text-decoration: none; background: var(--navy3); isolation: isolate; transition: transform .4s var(--ease), box-shadow .4s var(--ease); }
.aud-card:hover { transform: translateY(-8px); box-shadow: 0 28px 60px rgba(13,27,51,.26); }
.aud-photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform .6s var(--ease); }
.aud-card:hover .aud-photo { transform: scale(1.07); }
.aud-card::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(13,27,51,.2) 0%, rgba(13,27,51,.55) 50%, rgba(13,27,51,.93) 100%); }
.aud-eyebrow { font-size: 10px; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--goldl); margin-bottom: 12px; }
.aud-title { font-family: 'Cormorant Garamond', serif; font-weight: 500; font-size: 28px; color: #fff; line-height: 1.1; margin-bottom: 10px; }
.aud-body { font-size: 14.5px; font-weight: 400; color: rgba(255,255,255,.82); line-height: 1.6; margin-bottom: 16px; }
.aud-arrow { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--goldl); display: inline-flex; align-items: center; gap: 8px; transition: gap .25s; }
.aud-card:hover .aud-arrow { gap: 14px; }

/* HOW IT WORKS */
.process { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: var(--stone); }
.process-step { background: var(--off); padding: 42px 30px 46px; transition: background .3s, transform .3s; }
.process-step:hover { background: #fff; transform: translateY(-4px); box-shadow: 0 18px 40px rgba(13,27,51,.06); }
.step-n { font-family: 'Cormorant Garamond', serif; font-size: 54px; font-weight: 300; color: var(--stone); line-height: 1; margin-bottom: 22px; transition: color .3s; }
.process-step:hover .step-n { color: var(--gold); }
.step-title { font-size: 14px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--navy); margin-bottom: 12px; }
.step-body { font-size: 15px; font-weight: 400; line-height: 1.72; color: var(--midd); }

/* POINTS (why) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.point-list { display: flex; flex-direction: column; }
.point { display: flex; gap: 20px; align-items: flex-start; padding: 28px 0; border-bottom: 1px solid var(--stone); }
.point:first-child { border-top: 1px solid var(--stone); }
.point-dash { font-family: 'Cormorant Garamond', serif; font-size: 15px; color: var(--gold); flex-shrink: 0; padding-top: 1px; }
.point-title { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 7px; }
.point-body { font-size: 15px; font-weight: 400; line-height: 1.72; color: var(--midd); }
.tag-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.tag-chip { font-size: 11px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--navy); background: var(--stone); padding: 6px 13px; border-radius: 2px; }

/* FEATURE PHOTO (alternating image + text) */
.feature { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.feature-img { border-radius: 6px; overflow: hidden; min-height: 360px; background: var(--navy3); position: relative; }
.feature-img img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }

/* ASSET BOX */
.asset-box { border: 1px solid var(--stone); background: #fff; padding: 38px; border-radius: 4px; box-shadow: 0 10px 30px rgba(13,27,51,.04); }
.asset-box-label { font-size: 10px; font-weight: 600; letter-spacing: .26em; text-transform: uppercase; color: var(--gold); margin-bottom: 24px; }
.asset-cat-label { font-size: 11px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--midd); margin-bottom: 14px; padding-bottom: 10px; border-bottom: 1px solid var(--stone); }
.asset-items { display: flex; flex-direction: column; gap: 11px; }
.asset-item { font-size: 14px; font-weight: 400; color: var(--text); display: flex; align-items: center; gap: 10px; }
.asset-item::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.asset-note { font-size: 13px; font-weight: 400; color: var(--mid); line-height: 1.7; margin-top: 24px; padding-top: 22px; border-top: 1px solid var(--stone); }

/* INDUSTRY CARDS */
.ind-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.ind-card { position: relative; min-height: 480px; border-radius: 6px; overflow: hidden; background: linear-gradient(160deg, var(--navy3), var(--navy)); display: flex; flex-direction: column; justify-content: flex-end; padding: 34px 30px; isolation: isolate; transition: transform .4s var(--ease), box-shadow .4s var(--ease); }
.ind-card:hover { transform: translateY(-8px); box-shadow: 0 28px 60px rgba(13,27,51,.28); }
.ind-photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform .6s var(--ease); }
.ind-card:hover .ind-photo { transform: scale(1.07); }
.ind-card::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(13,27,51,.25) 0%, rgba(13,27,51,.55) 45%, rgba(13,27,51,.92) 100%); }
.ind-icon { width: 46px; height: 46px; margin-bottom: 18px; stroke: var(--goldl); }
.ind-title { font-family: 'Cormorant Garamond', serif; font-weight: 500; font-size: 27px; color: #fff; line-height: 1.12; margin-bottom: 12px; }
.ind-body { font-size: 14.5px; font-weight: 400; color: rgba(255,255,255,.84); line-height: 1.65; margin-bottom: 18px; }
.ind-eq { font-size: 12px; font-weight: 400; color: rgba(255,255,255,.7); line-height: 1.7; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.18); }
.ind-eq strong { display: block; font-size: 9.5px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--goldl); margin-bottom: 8px; }
.ind-note { text-align: center; font-size: 15px; font-weight: 400; color: var(--mid); margin-top: 44px; }
.ind-note a { color: var(--navy); font-weight: 500; text-decoration: none; border-bottom: 1px solid var(--gold); transition: color .2s; }
.ind-note a:hover { color: var(--gold); }

/* VALUE / BENEFIT CARDS */
.vp-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.vp-card { border: 1px solid var(--stone); border-radius: 5px; padding: 32px 28px; background: var(--off); transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.vp-card:hover { transform: translateY(-6px); box-shadow: 0 22px 48px rgba(13,27,51,.1); border-color: rgba(196,154,87,.4); background: #fff; }
.vp-icon { width: 40px; height: 40px; stroke: var(--gold); margin-bottom: 20px; }
.vp-title { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 10px; }
.vp-body { font-size: 14.5px; font-weight: 400; line-height: 1.68; color: var(--midd); }

/* CTA BAND */
.cta-band { background: var(--navy); position: relative; overflow: hidden; text-align: center; }
.cta-band .inner { position: relative; z-index: 2; }
.cta-glow { position: absolute; width: 60vw; height: 60vw; border-radius: 50%; background: radial-gradient(circle, rgba(196,154,87,.16), transparent 70%); top: 50%; left: 50%; transform: translate(-50%,-50%); z-index: 1; filter: blur(70px); }
.cta-h2 { font-family: 'Cormorant Garamond', serif; font-weight: 300; font-size: clamp(34px,4.5vw,56px); color: #fff; line-height: 1.08; margin-bottom: 18px; }
.cta-h2 i { font-style: italic; color: var(--gold); }
.cta-sub { font-size: 17px; font-weight: 400; color: rgba(255,255,255,.7); max-width: 520px; margin: 0 auto 36px; line-height: 1.7; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* GLOWS for navy sections */
.sec-glow { position: absolute; width: 46vw; height: 46vw; border-radius: 50%; background: radial-gradient(circle, rgba(196,154,87,.12), transparent 70%); z-index: 1; filter: blur(70px); }
.sec-glow.tr { top: -15%; right: -10%; }
.sec-glow.bl { bottom: -18%; left: -10%; }
.bg-navy .inner, .bg-navy .inner-wide { position: relative; z-index: 2; }

/* DARK FORM */
.inv-form-box { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); padding: 46px 42px; border-radius: 5px; backdrop-filter: blur(4px); }
.inv-form-title { font-family: 'Cormorant Garamond', serif; font-size: 25px; font-weight: 400; color: #fff; margin-bottom: 8px; }
.inv-form-sub { font-size: 14px; font-weight: 400; color: rgba(255,255,255,.5); margin-bottom: 32px; line-height: 1.6; }
.inv-form { display: flex; flex-direction: column; gap: 14px; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.f-group { display: flex; flex-direction: column; gap: 6px; }
.f-label { font-size: 10px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: rgba(255,255,255,.5); }
.f-input, .f-select, .f-textarea { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 3px; padding: 12px 14px; font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 400; color: #fff; outline: none; width: 100%; transition: border-color .25s, background .25s; -webkit-appearance: none; }
.f-input::placeholder, .f-textarea::placeholder { color: rgba(255,255,255,.3); }
.f-input:focus, .f-select:focus, .f-textarea:focus { border-color: var(--gold); background: rgba(196,154,87,.06); }
.f-select { cursor: pointer; }
.f-select option { background: var(--navy2); }
.f-textarea { resize: vertical; min-height: 90px; }
.f-submit { font-family: 'Jost', sans-serif; font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); background: var(--gold); padding: 15px 30px; border: none; border-radius: 3px; cursor: pointer; transition: background .25s, transform .2s; align-self: flex-start; margin-top: 6px; }
.f-submit:hover { background: var(--goldl); transform: translateY(-1px); }
.f-disc { font-size: 11px; font-weight: 400; color: rgba(255,255,255,.32); line-height: 1.7; }

/* LIGHT FORM */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.ci-block { margin-bottom: 36px; }
.ci-label { font-size: 10px; font-weight: 600; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); margin-bottom: 7px; }
.ci-val { font-size: 17px; font-weight: 400; color: var(--navy); text-decoration: none; display: block; transition: color .2s; }
a.ci-val:hover { color: var(--gold); }
.ci-sub { font-size: 14px; font-weight: 400; color: var(--mid); margin-top: 3px; }
.c-form-box { background: #fff; border: 1px solid var(--stone); padding: 46px 42px; border-radius: 5px; box-shadow: 0 14px 36px rgba(13,27,51,.05); }
.c-form-title { font-family: 'Cormorant Garamond', serif; font-size: 25px; font-weight: 400; color: var(--navy); margin-bottom: 8px; }
.c-form-sub { font-size: 14px; font-weight: 400; color: var(--mid); margin-bottom: 32px; line-height: 1.6; }
.c-form { display: flex; flex-direction: column; gap: 14px; }
.c-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.c-group { display: flex; flex-direction: column; gap: 6px; }
.c-label { font-size: 10px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--midd); }
.c-input, .c-select, .c-textarea { background: var(--off); border: 1px solid var(--stone); border-radius: 3px; padding: 12px 14px; font-family: 'Jost', sans-serif; font-size: 14px; font-weight: 400; color: var(--text); outline: none; width: 100%; transition: border-color .25s, background .25s; -webkit-appearance: none; }
.c-input::placeholder, .c-textarea::placeholder { color: rgba(0,0,0,.32); }
.c-input:focus, .c-select:focus, .c-textarea:focus { border-color: var(--gold); background: #fff; }
.c-select option { background: #fff; }
.c-textarea { resize: vertical; min-height: 90px; }
.c-submit { font-family: 'Jost', sans-serif; font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: #fff; background: var(--navy); padding: 15px 30px; border: none; border-radius: 3px; cursor: pointer; transition: background .25s, transform .2s; align-self: flex-start; margin-top: 6px; }
.c-submit:hover { background: var(--navy2); transform: translateY(-1px); }

/* FOOTER */
footer { background: var(--navy); padding: 56px 6% 48px; border-top: 1px solid rgba(196,154,87,.12); }
.foot-inner { max-width: 1000px; margin: 0 auto; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; align-items: start; }
.foot-nav-title { font-size: 10px; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--goldl); margin-bottom: 16px; }
.foot-nav-link { display: block; font-size: 13px; font-weight: 400; color: rgba(255,255,255,.6); text-decoration: none; margin-bottom: 10px; transition: color .2s; }
.foot-nav-link:hover { color: #fff; }
.foot-copy { font-size: 12px; font-weight: 400; color: rgba(255,255,255,.42); line-height: 1.7; margin-top: 16px; max-width: 300px; }
.foot-legal { max-width: 1000px; margin: 40px auto 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.08); font-size: 11px; font-weight: 400; color: rgba(255,255,255,.3); line-height: 1.8; }

/* ANIMATIONS */
@keyframes up { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:translateY(0); } }
.r { opacity:1; transform:none; transition:opacity .7s var(--ease), transform .7s var(--ease); }
.js-ready .r { opacity:0; transform:translateY(18px); }
.js-ready .r.in { opacity:1; transform:none; }
.d1 { transition-delay:.08s; } .d2 { transition-delay:.16s; } .d3 { transition-delay:.24s; } .d4 { transition-delay:.32s; } .d5 { transition-delay:.4s; } .d6 { transition-delay:.48s; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .js-ready .r { opacity: 1; transform: none; }
}

/* RESPONSIVE */
@media(max-width:980px) { .ind-grid, .vp-grid { grid-template-columns: 1fr 1fr; } .foot-inner { grid-template-columns: 1fr 1fr; } }
@media(max-width:860px) { .process { grid-template-columns:1fr 1fr; } }
@media(max-width:820px) { .split, .contact-grid, .feature, .aud-grid { grid-template-columns:1fr; gap:48px; } .feature-img { min-height: 300px; } }
@media(max-width:640px) {
  nav { padding:0 5%; } .nav-right .nav-link { display:none; }
  section { padding:80px 5%; } .hero { padding:104px 5% 70px; } .page-hero { padding:120
/* GET APPROVED page */
.apply-checklist { display: flex; flex-direction: column; gap: 12px; margin: 18px 0 8px; }
.acl-item { font-size: 13.5px; font-weight: 400; color: rgba(255,255,255,.72); line-height: 1.55; padding-left: 24px; position: relative; }
.acl-item::before { content: '✓'; position: absolute; left: 0; top: 0; color: var(--gold); font-weight: 600; }
.form-embed { width: 100%; min-height: 1100px; border: 0; border-radius: 5px; background: #fff; }