/* =========================================================
   NuGen Private Lending — Core Stylesheet
   Premium dark / metallic theme
   ========================================================= */

:root{
  /* Surfaces */
  --bg:#08090b;
  --bg-2:#0c0e12;
  --surface:#111419;
  --surface-2:#171b22;
  --surface-3:#1d222b;
  --border:rgba(255,255,255,.08);
  --border-strong:rgba(255,255,255,.16);

  /* Text */
  --text:#eceef2;
  --text-2:#b8bdc7;
  --text-dim:#878d99;

  /* Metallic silver / platinum */
  --silver-1:#f6f7f9;
  --silver-2:#cfd3da;
  --silver-3:#9aa0ab;
  --silver-4:#6b7280;
  --ice:#cdd7e4;
  --metal:linear-gradient(135deg,#f6f7f9 0%,#c3c8d1 28%,#8b919c 52%,#dfe3ea 74%,#aab0bc 100%);
  --metal-soft:linear-gradient(135deg,#e9ebef 0%,#aeb4bf 60%,#cfd4dc 100%);

  /* Effects */
  --shadow:0 30px 60px -20px rgba(0,0,0,.7);
  --shadow-sm:0 12px 30px -12px rgba(0,0,0,.6);
  --radius:16px;
  --radius-sm:10px;
  --radius-lg:26px;

  --maxw:1200px;
  --ease:cubic-bezier(.22,.61,.36,1);

  --font-display:"Bricolage Grotesque","Hanken Grotesk",sans-serif;
  --font-body:"Hanken Grotesk",system-ui,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  background:var(--bg);
  color:var(--text);
  line-height:1.65;
  font-size:17px;
  letter-spacing:.005em;
  overflow-x:hidden;
  position:relative;
}
/* Atmospheric background */
body::before{
  content:"";position:fixed;inset:0;z-index:-2;pointer-events:none;
  background:
    radial-gradient(900px 600px at 78% -8%,rgba(120,135,165,.16),transparent 60%),
    radial-gradient(800px 600px at 8% 12%,rgba(90,100,130,.12),transparent 55%),
    radial-gradient(700px 700px at 50% 110%,rgba(70,80,105,.10),transparent 60%),
    var(--bg);
}
/* Fine grain overlay */
body::after{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.08;letter-spacing:-.02em}
h1{font-size:clamp(2.5rem,6vw,4.6rem)}
h2{font-size:clamp(2rem,4vw,3.1rem)}
h3{font-size:clamp(1.35rem,2.2vw,1.7rem);letter-spacing:-.01em}
p{color:var(--text-2)}
.metal-text{
  background:var(--metal);-webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;color:transparent;
}
.eyebrow{
  font-family:var(--font-body);font-weight:600;font-size:.78rem;letter-spacing:.22em;
  text-transform:uppercase;color:var(--silver-3);display:inline-flex;align-items:center;gap:.6rem;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--silver-4)}

/* ---------- Layout ---------- */
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.section{padding:clamp(70px,9vw,130px) 0}
.section-tight{padding:clamp(50px,6vw,80px) 0}
.lead{font-size:clamp(1.05rem,1.6vw,1.25rem);color:var(--text-2);max-width:60ch}
.center{text-align:center}
.center .lead{margin-inline:auto}
.grid{display:grid;gap:24px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-family:var(--font-body);font-weight:600;font-size:.98rem;letter-spacing:.01em;
  padding:15px 30px;border-radius:999px;cursor:pointer;border:1px solid transparent;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .3s,color .3s;
  white-space:nowrap;
}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--metal);color:#0a0c10;box-shadow:0 10px 30px -8px rgba(207,211,218,.35)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 40px -10px rgba(207,211,218,.5)}
.btn-ghost{background:transparent;color:var(--text);border-color:var(--border-strong)}
.btn-ghost:hover{background:rgba(255,255,255,.06);border-color:var(--silver-3);transform:translateY(-3px)}
.btn-block{width:100%}
.btn svg{width:18px;height:18px}

/* ---------- Header / Nav ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  background:rgba(8,9,11,.72);border-bottom:1px solid transparent;
  transition:border-color .3s,background .3s;
}
.site-header.scrolled{border-bottom-color:var(--border);background:rgba(8,9,11,.9)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:24px}
.nav-logo img{height:42px;width:auto}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links > li > a,.dropdown-toggle{
  display:inline-flex;align-items:center;gap:.35rem;padding:10px 16px;border-radius:10px;
  font-size:.95rem;font-weight:500;color:var(--text-2);
  transition:color .25s,background .25s;cursor:pointer;
}
.nav-links > li > a:hover,.dropdown-toggle:hover{color:var(--text);background:rgba(255,255,255,.05)}
.nav-links a.active{color:var(--silver-1)}
.dropdown{position:relative}
.dropdown-toggle svg{width:14px;height:14px;transition:transform .3s}
.dropdown:hover .dropdown-toggle svg{transform:rotate(180deg)}
.dropdown-menu{
  position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(8px);
  min-width:280px;background:var(--surface-2);border:1px solid var(--border);
  border-radius:16px;padding:10px;box-shadow:var(--shadow);
  opacity:0;visibility:hidden;transition:opacity .25s,transform .25s;
}
.dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.dropdown-menu a{display:flex;flex-direction:column;gap:2px;padding:11px 14px;border-radius:11px;transition:background .2s}
.dropdown-menu a:hover{background:rgba(255,255,255,.06)}
.dropdown-menu a strong{font-weight:600;color:var(--text);font-size:.95rem}
.dropdown-menu a span{font-size:.8rem;color:var(--text-dim)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{display:inline-flex;align-items:center;gap:.45rem;font-weight:600;font-size:.95rem;color:var(--text)}
.nav-phone svg{width:16px;height:16px;color:var(--silver-3)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;width:44px;height:44px;color:var(--text)}
.nav-toggle svg{width:26px;height:26px}

/* ---------- Hero ---------- */
.hero{position:relative;padding:clamp(70px,11vw,150px) 0 clamp(60px,8vw,110px);overflow:hidden}
.hero-grid-lines{
  position:absolute;inset:0;z-index:-1;opacity:.4;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(circle at 70% 30%,#000 0%,transparent 70%);
  -webkit-mask-image:radial-gradient(circle at 70% 30%,#000 0%,transparent 70%);
}
.hero-inner{max-width:880px}
.hero h1{margin:18px 0 22px}
.hero .lead{font-size:clamp(1.1rem,1.8vw,1.4rem);margin-bottom:34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-note{margin-top:20px;font-size:.92rem;color:var(--text-dim);display:flex;align-items:center;gap:.5rem}
.hero-note svg{width:16px;height:16px;color:var(--silver-3)}

/* ---------- Stat strip ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);
  border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;margin-top:64px}
.stat{background:var(--bg-2);padding:30px 26px;text-align:center}
.stat .num{font-family:var(--font-display);font-weight:700;font-size:clamp(1.9rem,3vw,2.6rem);
  background:var(--metal);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stat .lbl{font-size:.85rem;color:var(--text-dim);margin-top:4px;letter-spacing:.02em}

/* ---------- Section heading ---------- */
.sec-head{max-width:680px;margin-bottom:54px}
.sec-head.center{margin-inline:auto}
.sec-head h2{margin:16px 0 16px}

/* ---------- Cards / products ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{
  position:relative;background:linear-gradient(180deg,var(--surface) 0%,var(--bg-2) 100%);
  border:1px solid var(--border);border-radius:var(--radius);padding:32px 30px;
  transition:transform .4s var(--ease),border-color .4s,box-shadow .4s;overflow:hidden;
}
.card::after{content:"";position:absolute;inset:0;border-radius:inherit;padding:1px;
  background:linear-gradient(160deg,rgba(255,255,255,.18),transparent 40%);
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;mask-composite:exclude;opacity:0;transition:opacity .4s}
.card:hover{transform:translateY(-6px);border-color:var(--border-strong);box-shadow:var(--shadow-sm)}
.card:hover::after{opacity:1}
.card .ic{width:52px;height:52px;border-radius:13px;display:grid;place-items:center;margin-bottom:20px;
  background:var(--surface-3);border:1px solid var(--border)}
.card .ic svg{width:26px;height:26px;color:var(--silver-2)}
.card h3{margin-bottom:10px}
.card p{font-size:.97rem;margin-bottom:18px}
.card .more{font-weight:600;font-size:.92rem;color:var(--silver-2);display:inline-flex;align-items:center;gap:.4rem;transition:gap .3s}
.card:hover .more{gap:.75rem}
.card .more svg{width:15px;height:15px}
.card-terms{display:flex;gap:22px;margin-bottom:18px;flex-wrap:wrap}
.card-terms div{font-size:.82rem;color:var(--text-dim)}
.card-terms strong{display:block;font-family:var(--font-display);font-size:1.15rem;color:var(--text);font-weight:600}

/* ---------- Feature grid ---------- */
.features{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--border);
  border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
.feature{background:var(--bg-2);padding:38px 34px}
.feature .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;margin-bottom:18px;
  background:var(--surface-2);border:1px solid var(--border)}
.feature .ic svg{width:23px;height:23px;color:var(--silver-2)}
.feature h3{font-size:1.25rem;margin-bottom:8px}
.feature p{font-size:.96rem}

/* ---------- Split / about ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.split-media{position:relative;border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--border);
  background:linear-gradient(160deg,var(--surface-2),var(--bg));aspect-ratio:4/3;display:grid;place-items:center;padding:40px}
.split-media img{filter:drop-shadow(0 20px 40px rgba(0,0,0,.5))}
.split ul.checklist{margin-top:24px;display:grid;gap:14px}
.checklist li{display:flex;gap:13px;align-items:flex-start;color:var(--text-2);font-size:1rem}
.checklist li svg{width:22px;height:22px;flex-shrink:0;color:var(--silver-2);margin-top:2px}

/* ---------- Process ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:step}
.step{position:relative;padding-top:18px}
.step .n{font-family:var(--font-display);font-weight:700;font-size:2.6rem;
  background:var(--metal);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;line-height:1}
.step h3{font-size:1.2rem;margin:14px 0 8px}
.step p{font-size:.94rem}
.step::before{content:"";position:absolute;top:0;left:0;width:46px;height:2px;background:var(--silver-4)}

/* ---------- Audience ---------- */
.audience{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.aud{border:1px solid var(--border);border-radius:var(--radius);padding:30px;background:var(--bg-2)}
.aud h3{font-size:1.2rem;margin-bottom:10px}
.aud p{font-size:.95rem}

/* ---------- Forms ---------- */
.form-wrap{background:linear-gradient(180deg,var(--surface) 0%,var(--bg-2) 100%);
  border:1px solid var(--border);border-radius:var(--radius-lg);padding:clamp(28px,4vw,46px);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
.field label{font-size:.85rem;font-weight:600;color:var(--text-2);letter-spacing:.01em}
.field label .req{color:var(--silver-2)}
.field input,.field select,.field textarea{
  font-family:var(--font-body);font-size:1rem;color:var(--text);
  background:var(--surface-2);border:1px solid var(--border);border-radius:11px;
  padding:13px 15px;transition:border-color .25s,background .25s,box-shadow .25s;width:100%;
}
.field textarea{resize:vertical;min-height:120px}
.field input::placeholder,.field textarea::placeholder{color:var(--text-dim)}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--silver-3);background:var(--surface-3);
  box-shadow:0 0 0 3px rgba(160,170,185,.15)}
.field select{appearance:none;-webkit-appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%239aa0ab' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:18px;padding-right:42px}
.form-note{font-size:.84rem;color:var(--text-dim);margin-top:16px;display:flex;gap:.5rem;align-items:flex-start}
.form-note svg{width:16px;height:16px;flex-shrink:0;margin-top:2px;color:var(--silver-3)}
.honey{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.fieldset-title{font-family:var(--font-display);font-weight:600;font-size:1.05rem;color:var(--text);
  grid-column:1/-1;margin-top:8px;padding-top:18px;border-top:1px solid var(--border)}
.fieldset-title:first-child{margin-top:0;padding-top:0;border-top:0}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin-inline:auto}
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;color:var(--text);
  font-family:var(--font-display);font-weight:600;font-size:1.12rem;padding:24px 44px 24px 0;position:relative;line-height:1.4}
.faq-q::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);
  font-size:1.6rem;color:var(--silver-3);font-family:var(--font-body);transition:transform .3s}
.faq-item.open .faq-q::after{content:"–"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq-a p{padding:0 44px 24px 0;font-size:1rem}

/* ---------- Testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.quote{background:var(--bg-2);border:1px solid var(--border);border-radius:var(--radius);padding:30px}
.quote .stars{color:var(--silver-2);letter-spacing:3px;margin-bottom:14px;font-size:.95rem}
.quote p{font-size:1rem;color:var(--text);font-style:italic;margin-bottom:18px}
.quote .who{font-size:.88rem;color:var(--text-dim)}
.quote .who strong{display:block;color:var(--text-2);font-style:normal;font-weight:600}

/* ---------- CTA band ---------- */
.cta-band{position:relative;border-radius:var(--radius-lg);overflow:hidden;
  background:linear-gradient(135deg,#15181e 0%,#0b0d10 100%);border:1px solid var(--border);
  padding:clamp(44px,6vw,72px);text-align:center}
.cta-band::before{content:"";position:absolute;inset:0;opacity:.5;
  background:radial-gradient(600px 300px at 50% -20%,rgba(150,165,195,.22),transparent 70%)}
.cta-band > *{position:relative}
.cta-band h2{margin-bottom:16px}
.cta-band .lead{margin:0 auto 30px}
.cta-band .hero-actions{justify-content:center}

/* ---------- Page hero (subpages) ---------- */
.page-hero{padding:clamp(56px,8vw,96px) 0 clamp(36px,4vw,56px);position:relative;overflow:hidden}
.breadcrumb{font-size:.85rem;color:var(--text-dim);margin-bottom:18px;display:flex;gap:.5rem;align-items:center}
.breadcrumb a:hover{color:var(--text-2)}
.breadcrumb span{color:var(--silver-4)}
.page-hero h1{font-size:clamp(2.2rem,5vw,3.6rem);margin-bottom:18px}
.page-hero .lead{max-width:62ch}

/* ---------- Terms table ---------- */
.terms-table{width:100%;border-collapse:collapse;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
.terms-table tr{border-bottom:1px solid var(--border)}
.terms-table tr:last-child{border-bottom:0}
.terms-table th{text-align:left;padding:18px 24px;background:var(--surface-2);font-weight:600;color:var(--text-2);
  font-size:.95rem;width:42%;vertical-align:top}
.terms-table td{padding:18px 24px;color:var(--text);font-weight:600;font-family:var(--font-display)}

/* ---------- Footer ---------- */
.site-footer{border-top:1px solid var(--border);background:var(--bg-2);padding:70px 0 36px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;margin-bottom:50px}
.footer-brand img{height:46px;margin-bottom:18px}
.footer-brand p{font-size:.95rem;max-width:36ch;margin-bottom:20px}
.footer-contact{display:grid;gap:10px;font-size:.95rem}
.footer-contact a{display:inline-flex;gap:.55rem;align-items:center;color:var(--text-2);transition:color .2s}
.footer-contact a:hover{color:var(--text)}
.footer-contact svg{width:16px;height:16px;color:var(--silver-3)}
.footer-col h4{font-family:var(--font-body);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--silver-3);margin-bottom:18px;font-weight:600}
.footer-col ul{display:grid;gap:11px}
.footer-col a{color:var(--text-2);font-size:.95rem;transition:color .2s}
.footer-col a:hover{color:var(--text)}
.footer-bottom{border-top:1px solid var(--border);padding-top:28px;display:flex;justify-content:space-between;
  gap:20px;flex-wrap:wrap;font-size:.82rem;color:var(--text-dim)}
.footer-bottom .disclaimer{max-width:70ch;line-height:1.6}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}
.reveal.d3{transition-delay:.24s}.reveal.d4{transition-delay:.32s}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .split{grid-template-columns:1fr;gap:40px}
  .cards,.quotes,.audience{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:36px 24px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:34px}
  .footer-brand{grid-column:1/-1}
}
@media(max-width:760px){
  .nav-links,.nav-phone{display:none}
  .nav-toggle{display:grid;place-items:center}
  .nav.open .nav-links{
    display:flex;flex-direction:column;align-items:stretch;gap:2px;
    position:absolute;top:78px;left:0;right:0;background:var(--surface);
    border-bottom:1px solid var(--border);padding:14px 20px 22px;box-shadow:var(--shadow)}
  .nav.open .nav-links > li > a{padding:14px 12px;font-size:1.05rem}
  .nav.open .dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;
    box-shadow:none;background:transparent;border:0;padding:0 0 6px 14px;min-width:0;margin-top:4px}
  .nav.open .dropdown-toggle{padding:14px 12px;font-size:1.05rem;width:100%;justify-content:space-between}
  .stats{grid-template-columns:repeat(2,1fr)}
  .features{grid-template-columns:1fr}
  .cards,.quotes,.audience{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){
  .container{padding:0 20px}
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%}
  .footer-grid{grid-template-columns:1fr}
}