/* Lending Square Group — design system & base */
:root{
  --navy:#10264A; --navy-2:#142B50; --navy-3:#0B1C38;
  --blue:#245CE5; --blue-2:#356FE8; --sky:#EAF1FF;
  --white:#FFFFFF; --off:#F7F8FA; --grey:#F0F3F7;
  --ink:#17243A; --muted:#667085; --line:#E5EAF2;
  --amber:#FFB145; --mark-blue:#1580C6;
  --on-navy:#C9D4E8; --on-navy-2:#A9B8D3;
  --f-display:"Manrope",system-ui,sans-serif;
  --f-body:"Plus Jakarta Sans",system-ui,sans-serif;
  --f-serif:"Instrument Serif",Georgia,serif;
  --container:1320px; --gutter:clamp(20px,5vw,64px);
  --sec:clamp(88px,11vw,168px);
  --r-xs:3px; --r-sm:6px; --r:10px; --r-lg:16px;
  --sh-1:0 1px 2px rgba(16,38,74,.06),0 8px 24px -12px rgba(16,38,74,.18);
  --sh-2:0 30px 60px -30px rgba(16,38,74,.35);
  --ease:cubic-bezier(.22,1,.36,1); --ease-io:cubic-bezier(.65,0,.35,1);
  --hdr:84px; --cut:clamp(36px,5vw,84px);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
html.lenis,html.lenis body{height:auto}
.lenis.lenis-smooth{scroll-behavior:auto!important}
.lenis.lenis-stopped{overflow:hidden}
body{margin:0;font-family:var(--f-body);font-size:clamp(1rem,.96rem + .2vw,1.0625rem);line-height:1.7;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer;padding:0}
ul,ol{margin:0;padding:0;list-style:none}
h1,h2,h3,h4{font-family:var(--f-display);margin:0;color:inherit;font-weight:700}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}
::selection{background:var(--blue);color:#fff}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:2px}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:fixed;left:16px;top:-60px;z-index:200;background:var(--blue);color:#fff;padding:10px 18px;border-radius:var(--r-sm);font-weight:600;transition:top .2s}
.skip:focus{top:12px}
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
.center{text-align:center;margin-top:48px}
.muted{color:var(--muted)}
.ico{width:1.1em;height:1.1em;stroke-width:1.75;flex:none}
svg.ico{display:inline-block;vertical-align:-.15em}

/* Type scale */
.display{font-size:clamp(3rem,1.8rem + 5.6vw,6.6rem);line-height:.96;letter-spacing:-.045em;font-weight:700}
.display--xl{font-size:clamp(3.4rem,1.6rem + 8.2vw,9.2rem);letter-spacing:-.055em;line-height:.9}
.h2{font-size:clamp(2rem,1.4rem + 2.8vw,3.6rem);line-height:1.02;letter-spacing:-.038em}
.statement{font-family:var(--f-display);font-size:clamp(1.45rem,1.1rem + 1.6vw,2.45rem);line-height:1.24;letter-spacing:-.025em;font-weight:500;color:var(--ink);max-width:28ch;margin:0 0 48px}
.statement--sm{font-size:clamp(1.25rem,1rem + 1vw,1.75rem);max-width:none}
.lead{font-size:clamp(1.05rem,1rem + .3vw,1.2rem);color:var(--muted);line-height:1.7}
.lead--light,.sec--navy .lead{color:var(--on-navy)}
.display em,.h2 em,.statement em,.ctaband__h em{font-family:var(--f-serif);font-style:italic;font-weight:400;letter-spacing:-.015em;color:var(--blue)}
.statement em{color:var(--blue)}
.sec--navy .h2 em,.phero--navy em,.phero--full em,.hhero em,.ctaband__h em,.consult__panel .h2 em{color:#9DB8FF}

/* Sections */
.sec{padding-block:var(--sec);position:relative}
.sec--grey{background:var(--off)}
.sec--navy{background:var(--navy);color:#fff}
.sec--navy p{color:var(--on-navy)}
.sec__head{margin-bottom:clamp(40px,5vw,72px);max-width:760px}
.sec__head--row{max-width:none;display:grid;grid-template-columns:minmax(200px,1fr) 2.2fr;align-items:end;gap:24px;border-bottom:1px solid var(--line);padding-bottom:28px}
.sec--navy .sec__head--row{border-color:rgba(255,255,255,.14)}
.sec__head .eyebrow{margin-bottom:20px}
.sec__head--row .eyebrow{margin:0 0 .6em}

/* Header */
.hdr{position:fixed;inset:0 0 auto;z-index:90;height:var(--hdr);display:flex;align-items:center;background:rgba(255,255,255,.82);backdrop-filter:saturate(1.6) blur(18px);-webkit-backdrop-filter:saturate(1.6) blur(18px);border-bottom:1px solid rgba(229,234,242,.8);transition:height .4s var(--ease),background-color .4s,border-color .4s,transform .5s var(--ease)}
.hdr.is-scrolled{--hdr:68px;box-shadow:0 10px 30px -20px rgba(16,38,74,.25)}
.hdr__in{display:flex;align-items:center;gap:28px}
.brand{display:inline-flex;align-items:center;gap:12px;flex:none;color:var(--navy)}
.mark{width:40px;height:40px}
.mark__a{fill:currentColor}.mark__b{fill:var(--amber)}.mark__c{fill:var(--mark-blue)}
.brand__word{display:flex;flex-direction:column;font-family:var(--f-display);line-height:1;text-transform:uppercase}
.brand__word b{font-weight:800;font-size:1rem;letter-spacing:.04em}
.brand__word small{font-size:.68rem;font-weight:700;letter-spacing:.42em;margin-top:5px;opacity:.75}
.nav{margin-left:auto}
.nav__list{display:flex;align-items:center;gap:2px}
.nav__item{position:relative}
.nav__link{white-space:nowrap;display:inline-flex;align-items:center;gap:4px;padding:10px 12px;font-family:var(--f-display);font-weight:600;font-size:.9rem;letter-spacing:-.005em;color:var(--ink);border-radius:var(--r-sm);position:relative;transition:color .25s}
.nav__link::after{content:"";position:absolute;left:12px;right:12px;bottom:4px;height:2px;background:var(--blue);transform:scaleX(0);transform-origin:right;transition:transform .45s var(--ease)}
.nav__link:hover::after,.nav__item.is-active>.nav__link::after,.nav__item.is-open>.nav__link::after{transform:scaleX(1);transform-origin:left}
.nav__item.is-active>.nav__link{color:var(--blue)}
.nav__chev{width:14px;height:14px;transition:transform .35s var(--ease)}
.nav__item.is-open .nav__chev{transform:rotate(180deg)}
.dd{position:absolute;top:calc(100% + 10px);left:-8px;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-2);padding:8px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .3s var(--ease),transform .4s var(--ease),visibility .3s}
.dd::before{content:"";position:absolute;inset:-12px 0 auto;height:12px}
.nav__item.is-open .dd{opacity:1;visibility:visible;transform:none}
.dd__link{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 14px;border-radius:var(--r-sm);font-weight:600;font-size:.92rem;font-family:var(--f-display);color:var(--ink);transition:background-color .25s,color .25s}
.dd__link .ico{opacity:0;transform:translateX(-6px);transition:opacity .25s,transform .35s var(--ease);color:var(--blue)}
.dd__link:hover,.dd__link:focus-visible,.dd__link[aria-current]{background:var(--sky);color:var(--blue)}
.dd__link:hover .ico,.dd__link[aria-current] .ico{opacity:1;transform:none}
.hdr__cta{display:flex;align-items:center;gap:14px;flex:none}
.hdr__phone{display:inline-flex;align-items:center;gap:8px;font-family:var(--f-display);font-weight:700;font-size:.88rem;color:var(--navy)}
.hdr__phone .ico{color:var(--blue)}
.hdr .btn{padding:12px 18px 12px 22px}
.burger{display:none;width:46px;height:46px;border-radius:50%;border:1px solid var(--line);position:relative;flex:none}
.burger span{position:absolute;left:13px;right:13px;height:2px;background:currentColor;border-radius:2px;transition:transform .4s var(--ease),top .4s var(--ease)}
.burger span:first-child{top:18px}.burger span:last-child{top:26px}
.burger[aria-expanded="true"] span:first-child{top:22px;transform:rotate(45deg)}
.burger[aria-expanded="true"] span:last-child{top:22px;transform:rotate(-45deg)}
/* dark-hero pages: header at top is transparent */
body:is([data-page="home"],[data-page="why-choose-us"],[data-page="bad-credit-mortgage"],[data-page="investors"]) .hdr:not(.is-scrolled):not(.is-menu){background:transparent;border-color:rgba(255,255,255,.1);backdrop-filter:none;-webkit-backdrop-filter:none}
body:is([data-page="home"],[data-page="why-choose-us"],[data-page="bad-credit-mortgage"],[data-page="investors"]) .hdr:not(.is-scrolled):not(.is-menu) :is(.brand,.nav__link,.hdr__phone,.burger){color:#fff}
body:is([data-page="home"],[data-page="why-choose-us"],[data-page="bad-credit-mortgage"],[data-page="investors"]) .hdr:not(.is-scrolled):not(.is-menu) .nav__item.is-active>.nav__link{color:#9DB8FF}
body:is([data-page="home"],[data-page="why-choose-us"],[data-page="bad-credit-mortgage"],[data-page="investors"]) .hdr:not(.is-scrolled):not(.is-menu) :is(.hdr__phone .ico){color:#9DB8FF}
body:is([data-page="home"],[data-page="why-choose-us"],[data-page="bad-credit-mortgage"],[data-page="investors"]) .hdr:not(.is-scrolled):not(.is-menu) .burger{border-color:rgba(255,255,255,.3)}

/* Mobile drawer */
.drw{position:fixed;inset:0;z-index:85;visibility:hidden;pointer-events:none}
.drw__panel{position:absolute;inset:0;background:var(--navy);color:#fff;padding:calc(var(--hdr) + 24px) var(--gutter) 32px;display:flex;flex-direction:column;overflow-y:auto;clip-path:inset(0 0 100% 0);transition:clip-path .7s var(--ease-io)}
.drw.is-open{visibility:visible;pointer-events:auto}
.drw.is-open .drw__panel{clip-path:inset(0 0 0 0)}
.drw__list{flex:1}
.drw__item{border-bottom:1px solid rgba(255,255,255,.1);opacity:0;transform:translateY(16px);transition:opacity .5s var(--ease),transform .6s var(--ease)}
.drw.is-open .drw__item{opacity:1;transform:none}
.drw.is-open .drw__item:nth-child(2){transition-delay:.04s}.drw.is-open .drw__item:nth-child(3){transition-delay:.08s}.drw.is-open .drw__item:nth-child(4){transition-delay:.12s}.drw.is-open .drw__item:nth-child(5){transition-delay:.16s}.drw.is-open .drw__item:nth-child(6){transition-delay:.2s}.drw.is-open .drw__item:nth-child(7){transition-delay:.24s}.drw.is-open .drw__item:nth-child(8){transition-delay:.28s}
.drw__link{display:flex;align-items:center;gap:16px;width:100%;padding:16px 0;font-family:var(--f-display);font-weight:600;font-size:clamp(1.3rem,5vw,1.7rem);letter-spacing:-.02em;text-align:left;min-height:56px}
.drw__link[aria-current]{color:#9DB8FF}
.drw__n{font-size:.75rem;letter-spacing:.1em;color:var(--on-navy-2);font-weight:600;width:24px}
.drw__plus{margin-left:auto;transition:transform .4s var(--ease)}
.drw__toggle[aria-expanded="true"] .drw__plus{transform:rotate(45deg)}
.drw__sub{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s var(--ease)}
.drw__sub>li{overflow:hidden}
.drw__sub.is-open{grid-template-rows:1fr}
.drw__sub{display:block;max-height:0;overflow:hidden;transition:max-height .5s var(--ease)}
.drw__sub a{display:block;padding:12px 0 12px 40px;color:var(--on-navy);font-weight:500;font-size:1.05rem;min-height:44px}
.drw__sub a[aria-current]{color:#fff}
.drw__sub li:last-child a{padding-bottom:20px}
.drw__foot{display:grid;gap:14px;padding-top:28px}
.drw__contact{display:flex;align-items:center;gap:10px;color:var(--on-navy);font-size:.95rem;min-height:44px}
body.menu-open{overflow:hidden}

/* Footer */
.ftr{background:var(--navy-3);color:var(--on-navy);padding:clamp(72px,9vw,120px) 0 28px;position:relative;overflow:hidden}
.ftr__top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1.4fr;gap:clamp(28px,4vw,56px)}
.ftr__brand .brand{color:#fff}
.ftr__tag{font-family:var(--f-display);font-weight:600;color:#fff;margin:24px 0 10px;font-size:.95rem}
.ftr__about{font-size:.92rem;line-height:1.7;color:var(--on-navy-2);max-width:42ch}
.ftr__social{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.18);color:#fff;margin-top:12px;transition:background-color .3s,border-color .3s,transform .4s var(--ease)}
.ftr__social svg{width:18px;height:18px}
.ftr__social:hover{background:var(--blue);border-color:var(--blue);transform:translateY(-3px)}
.ftr__col h3{font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:#fff;margin-bottom:22px;font-weight:700}
.ftr__col li{margin-bottom:10px}
.ftr__col a:not(.btn){color:var(--on-navy);font-size:.95rem;position:relative;transition:color .25s;display:inline-block;padding:2px 0}
.ftr__col a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:currentColor;transform:scaleX(0);transform-origin:right;transition:transform .4s var(--ease)}
.ftr__col a:not(.btn):hover{color:#fff}
.ftr__col a:not(.btn):hover::after{transform:scaleX(1);transform-origin:left}
.ftr__contact li{display:flex;gap:12px;font-size:.93rem;line-height:1.55}
.ftr__contact .ico{color:#9DB8FF;margin-top:4px}
.ftr__contact .btn{margin-top:16px}
.ftr__contact .btn .ico{margin-top:0;color:inherit}
.ftr__word{font-family:var(--f-display);font-weight:800;font-size:calc((min(100vw,var(--container)) - 2 * var(--gutter)) / 7.1);letter-spacing:-.06em;line-height:.8;padding-bottom:.16em;color:transparent;-webkit-text-stroke:1px rgba(255,255,255,.12);white-space:nowrap;margin:clamp(56px,7vw,96px) 0 16px;user-select:none}
.ftr__bot{display:flex;flex-wrap:wrap;gap:12px 32px;justify-content:space-between;align-items:center;border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.85rem;color:var(--on-navy-2)}
.ftr__bot p{margin:0}
.ftr__credit{line-height:1.7}
.ftr__credit a{color:#fff;transition:color .25s}
.ftr__credit a:hover{color:#9DB8FF}
.ftr__top-link{display:inline-flex;gap:8px;align-items:center;color:#fff;font-weight:600}