/* Waldorf Oaks Capital — Design System & Styles */

:root {
  /* Color Palette — Forest & Gold (matches logo) */
  --color-primary: #1B3C2A;
  --color-primary-dark: #12281C;
  --color-primary-light: #2A5540;
  --color-accent: #C49B40;
  --color-accent-dark: #A68230;
  --color-accent-light: #D4B260;
  --color-bg: #FFFFFF;
  --color-bg-alt: #F8F8F8;
  --color-bg-card: #FFFFFF;
  --color-text: #1A1E2C;
  --color-text-secondary: #5A6172;
  --color-text-on-dark: #FFFFFF;
  --color-text-on-dark-muted: rgba(255,255,255,0.65);
  --color-border: #E2E5EB;

  /* Typography */
  --font-heading: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;

  /* Layout */
  --max-width: 1200px;
  --section-py: 96px;
  --card-radius: 8px;
  --card-shadow: 0 2px 16px rgba(0,0,0,0.06);
  --card-shadow-hover: 0 8px 32px rgba(0,0,0,0.10);
  --nav-height: 72px;

  /* Motion */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --duration: 0.3s;
}

/* ── Dark Forest Theme — sub-pages (about, partner) ── */
body.theme-dark {
  --color-bg: #162D20;
  --color-bg-alt: #0F2218;
  --color-bg-card: #1F3D2C;
  --color-text: #EFF5EF;
  --color-text-secondary: #9EC0A0;
  --color-border: rgba(255,255,255,0.09);
  --color-primary-dark: #091810;
}

/* ── Reset & Base ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--nav-height); }
body {
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
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, h5 { font-family: var(--font-heading); font-weight: 600; line-height: 1.2; text-wrap: balance; }
p { text-wrap: pretty; }

/* ── Typography Scale ── */
.text-xs   { font-size: 0.8125rem; }
.text-sm   { font-size: 0.875rem; }
.text-base { font-size: 1rem; }
.text-lg   { font-size: 1.125rem; }
.text-xl   { font-size: 1.25rem; }

/* ── Container ── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Section ── */
.section {
  padding: var(--section-py) 0;
}
.section--alt {
  background: var(--color-bg-alt);
}
.section--dark {
  background: var(--color-primary);
  color: var(--color-text-on-dark);
}

/* ── Section Heading ── */
.section-heading {
  text-align: center;
  margin-bottom: 56px;
}
.section-heading__title {
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--color-text);
  margin-bottom: 8px;
}
.section--dark .section-heading__title { color: var(--color-text-on-dark); }
.section-heading__accent {
  display: block;
  width: 48px;
  height: 3px;
  background: var(--color-accent);
  margin: 16px auto 0;
  border-radius: 2px;
}

/* ── Section label (small gold caps — homepage) ── */
.section-label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 14px;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 14px 32px;
  border-radius: 6px;
  transition: all var(--duration) var(--ease);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn--primary {
  background: var(--color-accent);
  color: #FFFFFF;
}
.btn--primary:hover {
  background: var(--color-accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}
.btn--outline {
  background: transparent;
  border: 1.5px solid var(--color-border);
  color: var(--color-text);
}
.btn--outline:hover {
  border-color: var(--color-accent);
  color: var(--color-accent);
}
.btn--outline-light {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.35);
  color: var(--color-text-on-dark);
}
.btn--outline-light:hover {
  border-color: #FFFFFF;
  background: rgba(255,255,255,0.08);
}
.btn--large {
  padding: 16px 40px;
  font-size: 1.0625rem;
}
.btn--ghost {
  background: transparent;
  color: var(--color-accent);
  padding: 14px 0;
}
.btn--ghost:hover { text-decoration: underline; }
.btn:focus-visible,
.nav__cta:focus-visible,
.nav__hamburger:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

/* ── Navigation ── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-height);
  z-index: 100;
  background: var(--color-primary-dark);
  transition: box-shadow var(--duration) var(--ease);
}
.nav--scrolled {
  background: var(--color-primary-dark);
  box-shadow: 0 2px 20px rgba(0,0,0,0.25);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px 0 0;
}
.nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  height: var(--nav-height);
}
.nav__logo img {
  height: 100%;
  width: auto;
  display: block;
}
.nav__logo-name {
  font-family: var(--font-heading);
  font-size: 1.1875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.nav__logo-sub {
  font-family: var(--font-heading);
  font-size: 0.6875rem;
  font-weight: 400;
  text-transform: uppercase;
  letter-spacing: 0.25em;
  opacity: 0.6;
  margin-top: 1px;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav__links a {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-text-on-dark-muted);
  transition: color var(--duration) var(--ease);
  position: relative;
}
.nav__links a:hover { color: var(--color-text-on-dark); }
.nav__links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 2px;
  background: var(--color-accent);
  transform: scaleX(0);
  transition: transform var(--duration) var(--ease);
}
.nav__links a:hover::after { transform: scaleX(1); }
.nav__links a.nav__link--active {
  color: var(--color-text-on-dark);
}
.nav__links a.nav__link--active::after {
  transform: scaleX(1);
}
.nav__right {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-shrink: 0;
}
.nav__phone {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-text-on-dark-muted);
  transition: color var(--duration) var(--ease);
}
.nav__phone:hover { color: var(--color-text-on-dark); }
.nav__cta {
  display: inline-flex;
  align-items: center;
  padding: 10px 24px;
  background: var(--color-accent);
  color: #FFFFFF;
  font-weight: 600;
  font-size: 0.9375rem;
  border-radius: 6px;
  transition: all var(--duration) var(--ease);
}
.nav__cta:hover {
  background: var(--color-accent-dark);
  transform: translateY(-1px);
}
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-text-on-dark);
  border-radius: 1px;
  transition: all var(--duration) var(--ease);
}

/* ── Mobile Menu ── */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 99;
  background: var(--color-primary-dark);
  padding: calc(var(--nav-height) + 32px) 24px 32px;
  flex-direction: column;
  gap: 8px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--color-text-on-dark-muted);
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color var(--duration) var(--ease);
}
.mobile-menu a:hover { color: var(--color-text-on-dark); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: calc(var(--nav-height) + 48px) 0 96px;
}
.hero--gradient {
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 50%, var(--color-primary-light) 100%);
}
.hero--minimal {
  background: var(--color-primary);
}
.hero--bold {
  background: linear-gradient(135deg, #000000 0%, var(--color-primary-dark) 40%, var(--color-primary) 100%);
}
.hero--photo {
  background: var(--color-primary-dark);
}
.hero__photo-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
}
.hero__photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    160deg,
    rgba(18, 40, 28, 0.88) 0%,
    rgba(27, 60, 42, 0.78) 50%,
    rgba(27, 60, 42, 0.55) 100%
  );
}
.hero__pattern {
  position: absolute;
  inset: 0;
  opacity: 0.04;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.5) 1px, transparent 0);
  background-size: 40px 40px;
  pointer-events: none;
}
.hero__accent-shape {
  position: absolute;
  right: -5%;
  top: 15%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: var(--color-accent);
  opacity: 0.04;
  filter: blur(80px);
  pointer-events: none;
}
.hero__skyline {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  width: 100%;
  height: 200px;
  color: rgba(255,255,255,0.04);
  pointer-events: none;
}
.hero__content {
  position: relative;
  z-index: 1;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  width: 100%;
}
.hero__title {
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  color: var(--color-text-on-dark);
  margin-bottom: 20px;
  max-width: 720px;
}
.hero__title-accent {
  color: var(--color-accent);
}
.hero__subtitle {
  font-size: clamp(1.0625rem, 2vw, 1.25rem);
  color: var(--color-text-on-dark-muted);
  max-width: 580px;
  margin-bottom: 40px;
  line-height: 1.7;
}
.hero__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* ── Credibility / Stats Bar ── */
.stats-bar {
  background: var(--color-bg);
  padding: 0;
  position: relative;
  z-index: 2;
  margin-top: -48px;
}
.stats-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  box-shadow: 0 4px 32px rgba(0,0,0,0.08);
  overflow: hidden;
}
.stats-bar__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 36px 20px;
  position: relative;
}
.stats-bar__item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0; top: 20%; bottom: 20%;
  width: 1px;
  background: var(--color-border);
}
.stats-bar__value {
  font-family: var(--font-heading);
  font-size: 1.625rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 4px;
}
.stats-bar__label {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 6px;
}
.stats-bar__detail {
  font-size: 0.8125rem;
  color: var(--color-text-secondary);
  line-height: 1.4;
}

/* ── Loan Products ── */
.loans__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 24px;
}
.loans__grid-bottom {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 808px;
  margin: 0 auto 40px;
}
.loan-card {
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  padding: 32px 28px;
  transition: all var(--duration) var(--ease);
  position: relative;
  overflow: hidden;
  border: 1px solid var(--color-border);
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--color-accent);
  transform: scaleX(0);
  transition: transform var(--duration) var(--ease);
  transform-origin: left;
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover {
  box-shadow: var(--card-shadow-hover);
  transform: translateY(-4px);
  border-color: transparent;
}
.loan-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--color-accent-light);
  font-size: 1.125rem;
  font-weight: 700;
}
.loan-card__name {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--color-text);
}
.loan-card__desc {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  margin-bottom: 20px;
  line-height: 1.55;
}
.loan-card__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: auto;
  padding-top: 16px;
}
.loan-card__tag {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-primary);
  background: var(--color-bg-alt);
  padding: 5px 12px;
  border-radius: 100px;
}
.loans__footer {
  text-align: center;
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  max-width: 720px;
  margin: 0 auto;
  padding-top: 16px;
  border-top: 1px solid var(--color-border);
  line-height: 1.6;
}
.loans__footer strong { color: var(--color-accent-dark); font-weight: 600; }

/* ── Why Us ── */
.why__featured {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  border-radius: var(--card-radius);
  padding: 48px;
  margin-bottom: 32px;
  color: var(--color-text-on-dark);
}
.why__featured-title {
  font-size: 1.75rem;
  margin-bottom: 16px;
}
.why__featured-text {
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--color-text-on-dark-muted);
  max-width: 680px;
}
.why__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.why-card {
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  padding: 32px;
  border: 1px solid var(--color-border);
  transition: all var(--duration) var(--ease);
}
.why-card:hover {
  box-shadow: var(--card-shadow);
  border-color: transparent;
}
.why-card__indicator {
  width: 36px;
  height: 3px;
  background: var(--color-accent);
  border-radius: 2px;
  margin-bottom: 20px;
}
.why-card__title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 10px;
}
.why-card__text {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
}

/* ── How It Works / Process ── */
.process__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  position: relative;
}
.process__steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(16.66% + 24px);
  right: calc(16.66% + 24px);
  height: 2px;
  background: var(--color-border);
}
.process-step {
  text-align: center;
  position: relative;
}
.process-step__number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 24px;
  position: relative;
  z-index: 1;
}
.process-step__title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 10px;
}
.process-step__text {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
  max-width: 320px;
  margin: 0 auto;
}

/* ── Lead Capture Form ── */
.form-section {
  background: var(--color-bg);
}
.form-wrapper {
  max-width: 680px;
  margin: 0 auto;
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  box-shadow: var(--card-shadow);
  overflow: hidden;
}
.form-body { padding: 36px 40px; }
.form-body__intro {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  margin-bottom: 28px;
  line-height: 1.65;
}
.form-row {
  display: grid;
  gap: 16px;
  margin-bottom: 16px;
}
.form-row--2col { grid-template-columns: 1fr 1fr; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-text);
  letter-spacing: 0.02em;
}
.form-input,
.form-select,
.form-textarea {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  padding: 12px 14px;
  border: 1.5px solid var(--color-border);
  border-radius: 6px;
  background: var(--color-bg-card);
  color: var(--color-text);
  transition: border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
  outline: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(196,154,60,0.12);
}
.form-textarea { resize: vertical; min-height: 88px; }
.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%235A6172' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}
.form-submit { margin-top: 8px; width: 100%; }
.form-success {
  text-align: center;
  padding: 40px 20px;
}
.form-success__icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #E8F5E9;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.75rem;
  color: #2E7D32;
}
.form-success__title {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.form-success__text {
  color: var(--color-text-secondary);
  font-size: 0.9375rem;
}

/* ── Footer ── */
.footer {
  background: var(--color-primary-dark);
  color: var(--color-text-on-dark);
  padding: 56px 0 32px;
}
.footer__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 24px;
}
.footer__brand-name {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.footer__brand-tagline {
  font-size: 0.875rem;
  color: var(--color-text-on-dark-muted);
}
.footer__contact {
  text-align: right;
}
.footer__contact a {
  display: block;
  font-size: 0.9375rem;
  color: var(--color-text-on-dark-muted);
  margin-bottom: 6px;
  transition: color var(--duration) var(--ease);
}
.footer__contact a:hover { color: var(--color-accent-light); }
.footer__disclosure {
  font-size: 0.8125rem;
  color: var(--color-text-on-dark-muted);
  line-height: 1.6;
  max-width: 720px;
  margin-bottom: 24px;
}
.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.4);
}
.footer__legal-links {
  display: flex;
  gap: 24px;
}
.footer__legal-links a { transition: color var(--duration) var(--ease); }
.footer__legal-links a:hover { color: var(--color-text-on-dark-muted); }

/* ── Scroll Animations ── */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1), transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }

/* ── Equal-height card system ── */
.feature-cards__grid > .fade-in,
.loans__grid > .fade-in,
.loans__grid-bottom > .fade-in,
.why__grid > .fade-in {
  display: flex;
  flex-direction: column;
}
.feature-card,
.loan-card,
.why-card {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.feature-card__text,
.loan-card__desc,
.why-card__text {
  flex: 1;
}

/* ── Card Style Variants ── */
body.card-style-shadow .loan-card,
body.card-style-shadow .why-card {
  border-color: transparent;
  box-shadow: var(--card-shadow);
}
body.card-style-border .loan-card,
body.card-style-border .why-card {
  border: 1px solid var(--color-border);
  box-shadow: none;
}
body.card-style-accent .loan-card,
body.card-style-accent .why-card {
  border: none;
  border-left: 3px solid var(--color-accent);
  box-shadow: 0 1px 8px rgba(0,0,0,0.04);
  border-radius: 0 var(--card-radius) var(--card-radius) 0;
}

/* ═══════════════════════════════════════════════
   SUB-PAGE SHARED STYLES  (Partner · About)
═══════════════════════════════════════════════ */

/* ── Page hero (sub-pages, text-forward) ── */
.page-hero {
  background: var(--color-primary-dark);
  padding: calc(var(--nav-height) + 96px) 0 112px;
  min-height: 56vh;
  color: var(--color-text-on-dark);
}
.page-hero__inner {
  max-width: 760px;
  margin: 0 auto;
}
.page-hero__title {
  font-family: var(--font-heading);
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 600;
  color: var(--color-text-on-dark);
  margin-bottom: 24px;
  line-height: 1.15;
}
.page-hero__subtitle {
  font-size: clamp(1.0625rem, 2vw, 1.25rem);
  color: var(--color-text-on-dark-muted);
  line-height: 1.75;
  max-width: 620px;
}

/* ── Partner: How It Works (text-forward, green bg) ── */
.partner-hiw {
  background: var(--color-primary);
  padding: var(--section-py) 0;
}
.partner-hiw__inner {
  max-width: 660px;
  margin: 0 auto;
}
.partner-hiw__title {
  font-family: var(--font-heading);
  font-size: clamp(1.875rem, 3.5vw, 2.625rem);
  font-weight: 600;
  color: var(--color-text-on-dark);
  margin-bottom: 44px;
  line-height: 1.2;
  text-align: center;
}
.partner-hiw__body p {
  font-size: 1.125rem;
  color: var(--color-text-on-dark-muted);
  line-height: 1.9;
  margin-bottom: 32px;
}
.partner-hiw__body p:last-child { margin-bottom: 0; }

/* ── Feature cards (4-col grid, partner + about) ── */
.feature-cards__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  padding: 32px 28px;
  border: 1px solid var(--color-border);
  transition: all var(--duration) var(--ease);
}
.feature-card:hover {
  box-shadow: var(--card-shadow-hover);
  border-color: transparent;
  transform: translateY(-3px);
}
.feature-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--color-accent-light);
  flex-shrink: 0;
}
.feature-card__title {
  font-family: var(--font-heading);
  font-size: 1.1875rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--color-text);
  line-height: 1.3;
}
.feature-card__text {
  font-size: 0.9375rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
}

/* ── About: Stats (3-col) ── */
.about-stats {
  background: var(--color-bg);
  padding: 64px 0;
}
.about-stats__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: var(--color-bg-card);
  border-radius: var(--card-radius);
  box-shadow: 0 4px 32px rgba(0,0,0,0.08);
  overflow: hidden;
}

/* ── About: Who We Are (2-col) ── */
.who-we-are {
  background: var(--color-bg-alt);
  padding: var(--section-py) 0;
}
.who-we-are__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.who-we-are__title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: 28px;
  margin-top: 8px;
  line-height: 1.25;
}
.who-we-are__accent {
  margin: 16px 0 28px;
}
.who-we-are__body p {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.8;
  margin-bottom: 20px;
}
.who-we-are__body p:last-child { margin-bottom: 0; }
.who-we-are__photo {
  border-radius: var(--card-radius);
  overflow: hidden;
  box-shadow: 0 16px 48px rgba(0,0,0,0.12);
}
.who-we-are__photo img {
  width: 100%;
  height: auto;
  display: block;
}
.who-we-are__caption {
  font-size: 0.8125rem;
  color: var(--color-text-secondary);
  text-align: center;
  margin-top: 12px;
  font-style: italic;
  line-height: 1.5;
}

/* ── CTA strip ── */
.cta-strip {
  background: var(--color-primary-light);
  padding: 96px 0;
  text-align: center;
}
.cta-strip__title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600;
  color: var(--color-text-on-dark);
  margin-bottom: 16px;
  line-height: 1.2;
}
.cta-strip__subtitle {
  font-size: 1.0625rem;
  color: var(--color-text-on-dark-muted);
  max-width: 500px;
  margin: 0 auto 36px;
  line-height: 1.7;
}
.cta-strip__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
}
.cta-strip__secondary {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-on-dark-muted);
  transition: color var(--duration) var(--ease);
}
.cta-strip__secondary:hover { color: var(--color-text-on-dark); }

/* ── Partner form extras ── */
.partner-form-intro {
  text-align: center;
  margin-bottom: 40px;
}
.partner-form-intro__subtext {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-top: 14px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.partner-form__fine-print {
  text-align: center;
  font-size: 0.8125rem;
  color: var(--color-text-secondary);
  margin-top: 20px;
  line-height: 1.55;
  max-width: 460px;
  margin-left: auto;
  margin-right: auto;
}

/* ── Dark Forest component overrides ── */
body.theme-dark .stats-bar__value {
  color: var(--color-text);
}
body.theme-dark .stats-bar__detail {
  color: var(--color-text-secondary);
}
body.theme-dark .stats-bar__item::after {
  background: rgba(255,255,255,0.10);
}
body.theme-dark .loan-card__name {
  color: var(--color-text);
}
body.theme-dark .loan-card__tag {
  color: var(--color-accent-light);
  background: rgba(196,155,64,0.12);
  border: 1px solid rgba(196,155,64,0.25);
}
body.theme-dark .loan-card::before {
  background: var(--color-accent);
}
body.theme-dark .loans__footer {
  color: var(--color-text-secondary);
  border-top-color: rgba(255,255,255,0.10);
}
body.theme-dark .why__featured {
  background: linear-gradient(135deg, rgba(255,255,255,0.06) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(255,255,255,0.10);
}
body.theme-dark .why__featured-title,
body.theme-dark .section-heading__title {
  color: var(--color-text);
}
body.theme-dark .why-card__indicator {
  background: var(--color-accent);
}
body.theme-dark .process-step__number {
  background: var(--color-accent);
  color: #0F2218;
}
body.theme-dark .process__steps::before {
  background: rgba(255,255,255,0.12);
}
body.theme-dark .form-tab--active {
  color: var(--color-accent);
  background: var(--color-bg-card);
}
body.theme-dark .form-tab {
  color: var(--color-text-secondary);
  background: var(--color-bg-alt);
}
body.theme-dark .form-input,
body.theme-dark .form-select,
body.theme-dark .form-textarea {
  background-color: var(--color-bg-alt);
  color: var(--color-text);
  border-color: rgba(255,255,255,0.12);
}
body.theme-dark .form-input::placeholder,
body.theme-dark .form-textarea::placeholder {
  color: var(--color-text-secondary);
}
body.theme-dark .form-input:focus,
body.theme-dark .form-select:focus,
body.theme-dark .form-textarea:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(196,155,64,0.15);
}
body.theme-dark .form-success__icon {
  background: rgba(196, 155, 64, 0.15);
  color: var(--color-accent-light);
}
body.theme-dark .nav__links a {
  color: rgba(255,255,255,0.60);
}
body.theme-dark .nav__links a:hover {
  color: #FFFFFF;
}
body.theme-dark .footer {
  background: var(--color-primary-dark);
}
body.theme-dark .mobile-menu {
  background: var(--color-primary-dark);
}
body.theme-dark .feature-card {
  background: var(--color-bg-card);
  border-color: var(--color-border);
}
body.theme-dark .feature-card__title {
  color: var(--color-text);
}
body.theme-dark .who-we-are__title {
  color: var(--color-text);
}
body.theme-dark .about-stats__grid {
  box-shadow: 0 4px 32px rgba(0,0,0,0.35);
}
body.theme-dark .cta-strip {
  background: var(--color-primary);
}

/* ── Card-style variants for feature cards ── */
body.card-style-shadow .feature-card {
  border-color: transparent;
  box-shadow: var(--card-shadow);
}
body.card-style-accent .feature-card {
  border: none;
  border-left: 3px solid var(--color-accent);
  box-shadow: 0 1px 8px rgba(0,0,0,0.04);
  border-radius: 0 var(--card-radius) var(--card-radius) 0;
}

/* ── Privacy Policy / Prose ── */
.page-hero__meta {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
  margin-top: 12px;
  letter-spacing: 0.02em;
}
.prose {
  max-width: 680px;
  margin: 0 auto;
}
.prose h2 {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--color-text);
  margin: 48px 0 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--color-border);
}
.prose h2:first-child { margin-top: 0; }
.prose p {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.85;
  margin-bottom: 16px;
}
.prose p:last-child { margin-bottom: 0; }
.prose a {
  color: var(--color-accent);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
}
.prose a:hover { color: var(--color-accent-light); }

/* ── Responsive ── */
@media (max-width: 960px) {
  .nav__links { display: none; }
  .nav__phone { display: none; }
  .nav__cta { display: none; }
  .nav__hamburger { display: flex; flex-shrink: 0; }
  .stats-bar__grid { grid-template-columns: repeat(2, 1fr); }
  .stats-bar__item:nth-child(2)::after { display: none; }
  .loans__grid { grid-template-columns: repeat(2, 1fr); }
  .loans__grid > .fade-in:last-child { grid-column: 1 / -1; }
  .loans__grid-bottom {
    grid-template-columns: repeat(2, 1fr);
    max-width: 100%;
  }
  .why__grid { grid-template-columns: 1fr; }
  .why__featured { padding: 36px 28px; }
  .process__steps {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .process__steps::before { display: none; }
  .footer__top {
    flex-direction: column;
    gap: 24px;
  }
  .footer__contact { text-align: left; }
  /* Sub-pages */
  .feature-cards__grid { grid-template-columns: repeat(2, 1fr); }
  .who-we-are__grid { grid-template-columns: 1fr; gap: 40px; }
  .about-stats__grid { grid-template-columns: 1fr; }
  .about-stats__grid .stats-bar__item:not(:last-child)::after { display: none; }
}

@media (max-width: 768px) {
  .stats-bar__grid { grid-template-columns: repeat(2, 1fr); }
  .loans__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 680px) {
  .who-we-are__grid { grid-template-columns: 1fr; gap: 32px; }
  .who-we-are__photo { height: auto; }
}

@media (max-width: 640px) {
  :root {
    --section-py: 64px;
    --nav-height: 64px;
  }
  .hero { min-height: auto; padding: calc(var(--nav-height) + 40px) 0 80px; }
  .hero__title { font-size: 2.25rem; }
  .hero__actions { flex-direction: column; align-items: stretch; }
  .stats-bar { margin-top: -32px; }
  .stats-bar__grid { grid-template-columns: 1fr 1fr; }
  .loans__grid { grid-template-columns: 1fr; }
  .loans__grid > .fade-in:last-child { grid-column: auto; }
  .loans__grid-bottom { grid-template-columns: 1fr; max-width: 100%; }
  .section-heading { margin-bottom: 36px; }
  .form-body { padding: 24px 20px; }
  .form-row--2col { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; gap: 12px; text-align: center; }
  /* Sub-pages */
  .feature-cards__grid { grid-template-columns: 1fr; }
  .page-hero { padding: calc(var(--nav-height) + 48px) 0 72px; }
  .cta-strip { padding: 64px 0; }
  .partner-hiw__body p { font-size: 1rem; }
}