:root{
  --black:#070707;
  --black-soft:#111111;
  --gold:#d7aa55;
  --gold-light:#f0c874;
  --cream:#f8f4ec;
  --white:#ffffff;
  --ink:#171717;
  --muted:#6e6a64;
  --border:#e7e0d5;
  --shadow:0 18px 50px rgba(0,0,0,.08);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"DM Sans",sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.6;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,92%);margin:0 auto}
.section{padding:92px 0}
.light{background:#fbfaf7}
.center{text-align:center}
.top-space{margin-top:34px}
.eyebrow{
  display:inline-block;
  color:#b98023;
  letter-spacing:.12em;
  text-transform:uppercase;
  font-size:.82rem;
  font-weight:700;
  margin-bottom:12px;
}
h1,h2{
  font-family:"Playfair Display",serif;
  margin:0 0 18px;
  line-height:1.05;
}
h1{font-size:clamp(3rem,7vw,6.2rem);max-width:780px}
h1 span,h2 span{color:var(--gold)}
h2{font-size:clamp(2.2rem,4.5vw,4rem)}
h3{margin:0 0 8px;font-size:1.15rem}
p{margin:0 0 18px}

.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(5,5,5,.96);
  color:#fff;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.nav-wrap{
  height:84px;
  display:flex;
  align-items:center;
  gap:22px;
}
.brand{width:245px;flex:0 0 auto}
.brand img{height:56px;width:auto;object-fit:contain}
.nav-links{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:20px;
  flex:1;
  font-size:.9rem;
}
.nav-links a{opacity:.88}
.nav-links a:hover{color:var(--gold)}
.nav-cta{white-space:nowrap}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.7rem}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:50px;
  padding:0 24px;
  border-radius:4px;
  font-weight:700;
  letter-spacing:.03em;
  text-transform:uppercase;
  font-size:.84rem;
  transition:.25s ease;
  border:1px solid transparent;
  cursor:pointer;
}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:#090909}
.btn-outline{border-color:var(--gold);color:var(--gold);background:transparent}
.btn-dark{background:#111;color:#fff}

.hero{
  position:relative;
  min-height:720px;
  color:#fff;
  background:
    linear-gradient(90deg,rgba(0,0,0,.92) 0%,rgba(0,0,0,.72) 42%,rgba(0,0,0,.16) 100%),
    url("assets/images/hero-office.jpg") center/cover no-repeat;
}
.hero-grid{min-height:720px;display:grid;align-items:center}
.hero-copy{position:relative;z-index:2;max-width:760px;padding:70px 0}
.hero-copy p{font-size:1.28rem;max-width:620px;color:#eee}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 42px}
.trust-row{display:flex;gap:28px;flex-wrap:wrap}
.trust-row div{padding-right:28px;border-right:1px solid rgba(255,255,255,.22)}
.trust-row div:last-child{border-right:0}
.trust-row strong{display:block;font-size:1.25rem;color:var(--gold-light)}
.trust-row span{font-size:.77rem;text-transform:uppercase;letter-spacing:.08em;color:#d8d8d8}

.section-heading{max-width:780px;margin:0 auto 46px}
.section-heading p{color:var(--muted);font-size:1.05rem}

.services-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:18px;
}
.service-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  box-shadow:var(--shadow);
}
.service-image{height:205px;background-size:cover;background-position:center}
.img-car{background-image:url("assets/images/service-car.jpg")}
.img-business{background-image:url("assets/images/service-business.jpg")}
.img-equipment{background-image:url("assets/images/service-equipment.jpg")}
.img-refi{background-image:url("assets/images/service-refi.jpg")}
.service-body{padding:22px}
.icon{font-size:1.5rem;color:var(--gold)}

.about-section{background:#fff}
.about-grid{
  display:grid;
  grid-template-columns:1fr 1.1fr;
  gap:50px;
  align-items:center;
}
.about-copy p{color:#4f4a44;font-size:1.02rem}
.about-photo{
  min-height:520px;
  border-radius:18px;
  background:
    linear-gradient(180deg,rgba(0,0,0,.02),rgba(0,0,0,.15)),
    url("assets/images/about-office.jpg") center/cover no-repeat;
  box-shadow:var(--shadow);
}
.stat-strip{
  margin-top:40px;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border:1px solid var(--border);
  border-radius:14px;
  overflow:hidden;
}
.stat-strip div{
  padding:24px 22px;
  text-align:center;
  border-right:1px solid var(--border);
}
.stat-strip div:last-child{border-right:0}
.stat-strip strong{display:block;font-size:1.55rem;color:#9b6a20}
.stat-strip span{font-size:.83rem;text-transform:uppercase;letter-spacing:.05em}

.dark-section{
  background:
    linear-gradient(rgba(8,8,8,.94),rgba(8,8,8,.94)),
    url("assets/images/dark-office-bg.jpg") center/cover;
  color:#fff;
}
.dark-section .section-heading h2{color:#fff}
.why-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-top:1px solid rgba(255,255,255,.1)}
.why-grid article{padding:28px 22px;border-right:1px solid rgba(255,255,255,.12)}
.why-grid article:last-child{border-right:0}
.why-grid article>span{font-size:1.8rem;color:var(--gold)}
.why-grid p{color:#cfcfcf;font-size:.93rem}

.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.process-grid article{
  background:#fff;
  border:1px solid var(--border);
  padding:28px;
  border-radius:14px;
  box-shadow:0 12px 34px rgba(0,0,0,.05);
  position:relative;
}
.step{font-size:2rem;font-weight:700;color:var(--gold);display:block;margin-bottom:22px}

.lender-section{background:#fff}
.lender-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:14px;
}
.lender-logo-card{
  min-height:104px;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:18px 22px;
  border:1px solid var(--border);
  border-radius:12px;
  background:#fff;
  box-shadow:0 8px 24px rgba(0,0,0,.035);
  transition:.2s ease;
}
.lender-logo-card:hover{
  transform:translateY(-3px);
  box-shadow:0 14px 30px rgba(0,0,0,.07);
}
.lender-logo-card img{
  width:100%;
  max-width:190px;
  max-height:62px;
  object-fit:contain;
  filter:saturate(.96);
}
.tiny-note{text-align:center;color:#7a746c;font-size:.82rem;margin-top:18px}

.stories-section{background:#f8f4ec}
.stories-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.story-card{
  min-height:360px;
  border-radius:16px;
  overflow:hidden;
  position:relative;
  display:flex;
  align-items:flex-end;
  color:#fff;
  background-size:cover;
  background-position:center;
}
.story-card:before{
  content:"";
  position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(0,0,0,.08) 20%,rgba(0,0,0,.84) 100%);
}
.story-content{position:relative;z-index:2;padding:30px}
.story-tag{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-light);font-weight:700}
.story-content h3{font-size:1.6rem;margin:8px 0}
.story-content p{margin:0;color:#eee}
.story-raptor{background-image:url("assets/images/raptor.webp")}
.story-carnival{background-image:url("assets/images/carnival.webp")}
.story-tesla{background-image:url("assets/images/tesla.jpg")}
.story-mazda{background-image:url("assets/images/mazda3.jpg")}

.partner-section{
  color:#fff;
  background:linear-gradient(120deg,#080808,#18130c 65%,#241a0d);
}
.partner-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.partner-grid>div>p{color:#d9d5ce;max-width:550px}
.partner-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.partner-cards article{
  padding:24px;
  border:1px solid rgba(215,170,85,.35);
  background:rgba(255,255,255,.035);
  border-radius:12px;
}
.partner-cards p{color:#cfc9bf;font-size:.94rem;margin:0}

.contact-section{background:#fff}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:54px;align-items:start}
.contact-details{margin-top:30px;display:grid;gap:12px}
.contact-details p{padding-bottom:12px;border-bottom:1px solid var(--border)}
.contact-form{
  background:#f9f6f0;
  border:1px solid var(--border);
  border-radius:16px;
  padding:28px;
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:18px;
}
.contact-form label{font-size:.88rem;font-weight:700;color:#4b4640}
.contact-form input,.contact-form select,.contact-form textarea{
  width:100%;
  margin-top:7px;
  border:1px solid #d9d1c6;
  border-radius:8px;
  background:#fff;
  padding:13px 14px;
  font:inherit;
}
.contact-form textarea,.contact-form button,.form-status{grid-column:1/-1}
.form-status{margin:0;font-size:.88rem;color:#7b5a24}

.footer{background:#050505;color:#bbb;padding:55px 0 20px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px}
.footer-grid h4{color:#fff;margin-top:0}
.footer-grid a,.footer-grid span{display:block;margin:8px 0;color:#aaa;font-size:.9rem}
.footer-logo{width:220px;margin-bottom:18px}
.footer-bottom{
  margin-top:36px;
  padding-top:18px;
  border-top:1px solid rgba(255,255,255,.1);
  display:flex;
  justify-content:space-between;
  gap:16px;
  font-size:.8rem;
}

@media (max-width:1050px){
  .nav-links{display:none;position:absolute;top:84px;left:0;right:0;background:#090909;padding:20px;flex-direction:column}
  .nav-links.open{display:flex}
  .menu-toggle{display:block;margin-left:auto}
  .nav-cta{display:none}
  .services-grid,.process-grid{grid-template-columns:repeat(2,1fr)}
  .why-grid{grid-template-columns:repeat(2,1fr)}
  .why-grid article{border-bottom:1px solid rgba(255,255,255,.1)}
  .about-grid,.partner-grid,.contact-grid{grid-template-columns:1fr}
  .stat-strip{grid-template-columns:repeat(2,1fr)}
  .lender-grid{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:700px){
  .brand{width:205px}
  .section{padding:68px 0}
  h1{font-size:3.25rem}
  .hero,.hero-grid{min-height:660px}
  .services-grid,.process-grid,.stories-grid,.partner-cards,.contact-form{grid-template-columns:1fr}
  .why-grid,.stat-strip,.lender-grid{grid-template-columns:1fr 1fr}
  .trust-row{gap:16px}
  .trust-row div{border-right:0;padding-right:0;width:45%}
  .contact-form textarea,.contact-form button,.form-status{grid-column:auto}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column}
}
@media (max-width:480px){
  .why-grid,.stat-strip,.lender-grid,.footer-grid{grid-template-columns:1fr}
}


/* ===== V4 visual polish: unified premium black/gold image treatment ===== */
.hero::after{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    radial-gradient(circle at 78% 35%, rgba(215,170,85,.16), transparent 32%),
    linear-gradient(180deg, transparent 55%, rgba(0,0,0,.18));
}
.hero-copy{position:relative;z-index:3}
.hero .eyebrow{
  border:1px solid rgba(215,170,85,.38);
  padding:8px 12px;
  border-radius:999px;
  background:rgba(0,0,0,.22);
  backdrop-filter:blur(6px);
}
.service-card,
.story-card,
.about-photo{
  isolation:isolate;
}
.service-image,
.about-photo,
.story-card{
  filter:saturate(.88) contrast(1.04);
}
.service-card{
  transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.service-card:hover{
  transform:translateY(-6px);
  border-color:rgba(215,170,85,.55);
  box-shadow:0 24px 60px rgba(0,0,0,.12);
}
.service-image{
  position:relative;
}
.service-card .service-body{
  border-top:3px solid transparent;
  background:
    linear-gradient(#fff,#fff) padding-box,
    linear-gradient(90deg,var(--gold),transparent) border-box;
}
.about-photo{
  position:relative;
  overflow:hidden;
}
.about-photo::after{
  content:"";
  position:absolute;
  inset:0;
  background:
    linear-gradient(180deg, rgba(215,170,85,.02), rgba(7,7,7,.15)),
    linear-gradient(120deg, rgba(215,170,85,.08), transparent 38%);
  pointer-events:none;
}
.stat-strip strong{
  font-family:"Playfair Display",serif;
  letter-spacing:.01em;
}
.why-grid article{
  transition:background .25s ease;
}
.why-grid article:hover{
  background:rgba(215,170,85,.055);
}
.process-grid article::after{
  content:"";
  position:absolute;
  left:28px;
  right:28px;
  bottom:0;
  height:3px;
  background:linear-gradient(90deg,var(--gold),transparent);
  opacity:.75;
}
.lender-logo-card{
  background:linear-gradient(180deg,#fff,#fbfaf7);
}
.stories-grid{
  gap:24px;
}
.story-card{
  min-height:390px;
  transition:transform .25s ease, box-shadow .25s ease;
  border:1px solid rgba(0,0,0,.05);
  box-shadow:0 14px 38px rgba(0,0,0,.08);
}
.story-card:hover{
  transform:translateY(-5px);
  box-shadow:0 22px 55px rgba(0,0,0,.13);
}
.story-card::after{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  pointer-events:none;
  background:linear-gradient(120deg, rgba(215,170,85,.10), transparent 38%);
}
.story-content{z-index:2}
.story-tag{
  display:inline-flex;
  padding:6px 10px;
  border:1px solid rgba(240,200,116,.4);
  border-radius:999px;
  background:rgba(0,0,0,.32);
  backdrop-filter:blur(5px);
}
.partner-section{
  position:relative;
  overflow:hidden;
}
.partner-section::before{
  content:"";
  position:absolute;
  width:500px;
  height:500px;
  right:-180px;
  top:-180px;
  border-radius:50%;
  background:radial-gradient(circle, rgba(215,170,85,.16), rgba(215,170,85,0) 68%);
}
.partner-grid{position:relative;z-index:2}
.contact-form{
  box-shadow:0 18px 50px rgba(0,0,0,.06);
}
.site-header{
  backdrop-filter:blur(12px);
}
@media (max-width:700px){
  .hero{
    background-position:62% center;
  }
  .hero-copy{
    padding:54px 0 48px;
  }
  .story-card{
    min-height:330px;
  }
}

.hero-micro{
  margin-top:18px;
  color:#d8d2c8 !important;
  font-size:.92rem !important;
  letter-spacing:.02em;
}

.form-helper{
  grid-column:1/-1;
  margin:0;
  font-size:.78rem;
  color:#7c756c;
}
.legal-page{background:#fbfaf7;min-height:75vh}
.legal-hero{
  padding:90px 0 58px;
  background:linear-gradient(120deg,#080808,#1b140a);
  color:#fff;
}
.legal-hero h1{font-size:clamp(2.8rem,6vw,5rem)}
.legal-hero p{max-width:760px;color:#d8d2c8;font-size:1.05rem}
.legal-content{padding:64px 0 84px;max-width:900px}
.legal-block{
  padding:0 0 26px;
  margin-bottom:26px;
  border-bottom:1px solid var(--border);
}
.legal-block h2{
  font-family:"DM Sans",sans-serif;
  font-size:1.28rem;
  margin-bottom:10px;
}
.legal-block p{color:#5c5650}
.legal-note{
  margin-top:34px;
  padding:20px 22px;
  border:1px solid rgba(215,170,85,.45);
  background:#fff8e8;
  border-radius:10px;
  color:#5d4b2c;
}


/* =========================
   V7 layout refinements
   ========================= */
.site-header { padding: 0; }
.nav-shell {
  width: 100%;
  max-width: 1780px;
  margin: 0 auto;
  min-height: 92px;
  padding: 8px 30px;
  display: grid;
  grid-template-columns: 245px minmax(0, 1fr) 250px;
  align-items: center;
  gap: 26px;
}
.brand { justify-self: start; display: flex; align-items: center; }
.brand img {
  width: 220px;
  height: 68px;
  object-fit: contain;
  object-position: left center;
  display: block;
}
.nav-links {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0;
  white-space: nowrap;
}
.nav-links a {
  position: relative;
  padding: 10px 16px;
  font-size: 14px;
  line-height: 1.2;
}
.nav-links a:not(:last-child)::after {
  content: "|";
  position: absolute;
  right: -2px;
  top: 50%;
  transform: translateY(-50%);
  color: rgba(214, 166, 70, .52);
  font-weight: 400;
}
.nav-cta {
  justify-self: end;
  min-width: 218px;
  text-align: center;
  padding: 15px 18px;
}
.menu-toggle { display: none; }

.services-grid-five {
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
  align-items: stretch;
}
.services-grid-five .service-card {
  min-width: 0;
  overflow: hidden;
}
.services-grid-five .service-image {
  height: 190px;
  background-position: center;
  background-size: cover;
}
.services-grid-five .service-body {
  padding: 22px 20px 24px;
}
.service-kicker {
  display: block;
  color: #b57b18;
  font-size: 11px;
  letter-spacing: .12em;
  font-weight: 700;
  margin-bottom: 8px;
}
.services-grid-five h3 { font-size: 20px; line-height: 1.18; }
.services-grid-five p { font-size: 14px; line-height: 1.55; }

/* Reworked service imagery using the V6 local photography with new crops/overlays */
.img-equipment-v7 {
  background-image:
    linear-gradient(rgba(10,10,10,.05), rgba(10,10,10,.12)),
    url("assets/images/service-equipment.jpg");
}
.img-business-loan {
  background-image:
    linear-gradient(rgba(10,10,10,.18), rgba(10,10,10,.18)),
    url("assets/images/service-refi.jpg");
  background-position: center 45% !important;
}
.img-commercial-property {
  background-image:
    linear-gradient(rgba(10,10,10,.18), rgba(10,10,10,.22)),
    url("assets/images/hero-office.jpg");
  background-position: 72% center !important;
}

.lender-grid {
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
}
.lender-logo-card {
  height: 138px;
  padding: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
}
.lender-logo-card img {
  width: 100%;
  height: 100%;
  max-width: 300px;
  max-height: 120px;
  object-fit: contain;
  object-position: center;
  display: block;
}

@media (max-width: 1500px) {
  .nav-shell {
    grid-template-columns: 205px minmax(0,1fr) 210px;
    gap: 14px;
    padding-left: 20px;
    padding-right: 20px;
  }
  .brand img { width: 190px; }
  .nav-links a { padding: 10px 11px; font-size: 13px; }
  .nav-cta { min-width: 195px; font-size: 13px; }
}
@media (max-width: 1180px) {
  .nav-shell {
    grid-template-columns: 1fr auto;
    min-height: 82px;
  }
  .brand img { width: 205px; height: 62px; }
  .menu-toggle { display: block; justify-self: end; }
  .nav-links, .nav-cta { display: none; }
  .nav-links.open {
    display: flex;
    position: absolute;
    left: 0; right: 0; top: 82px;
    flex-direction: column;
    background: #111;
    padding: 14px 20px 20px;
    z-index: 1000;
  }
  .nav-links.open a { width: 100%; text-align: center; padding: 13px; }
  .nav-links.open a::after { display: none; }
  .services-grid-five { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .lender-grid { grid-template-columns: repeat(4, minmax(0,1fr)); }
}
@media (max-width: 700px) {
  .nav-shell { padding-left: 16px; padding-right: 16px; }
  .brand img { width: 175px; height: 56px; }
  .services-grid-five { grid-template-columns: 1fr; }
  .lender-grid { grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px; }
  .lender-logo-card { height: 112px; }
}

/* =========================
   V8 user-supplied logo pass
   ========================= */
@media (min-width:1181px){
  .nav-shell{
    max-width:none;
    grid-template-columns:300px minmax(0,1fr) 250px;
    padding-left:18px;
    padding-right:18px;
    gap:22px;
  }
  .brand{width:300px;height:82px;overflow:hidden;}
  .brand img{width:290px;height:82px;object-fit:contain;object-position:left center;transform:scale(1.08);transform-origin:left center;}
  .nav-links a{padding-left:17px;padding-right:17px;}
}
.lender-logo-card{height:150px;padding:14px;overflow:hidden;}
.lender-logo-card img{width:100%;height:100%;max-width:none;max-height:none;object-fit:contain;object-position:center;}

/* =========================
   V10 lender logo sizing
   User-requested: enlarge Azora, Bizcap, FlexiCommercial and Capital Finance 3x
   ========================= */
.lender-logo-card img[src$="azora.png"],
.lender-logo-card img[src$="bizcap.png"],
.lender-logo-card img[src$="flexicommercial.png"],
.lender-logo-card img[src$="capital-finance.png"] {
  transform: scale(3);
  transform-origin: center center;
}

/* V11 lender logo refinements */
.lender-logo-card img.logo-reduce-60 {
  width: 40% !important;
  height: 40% !important;
  max-width: 40% !important;
  max-height: 40% !important;
  object-fit: contain !important;
}
.contact-details a {
  color: inherit;
  text-decoration: none;
}
.contact-details a:hover {
  color: var(--gold);
}