/* ============================================================
   PREMIUM FINANCE PARTNERS · Lending Specialists
   Design tokens per the PFP Brand Bible (May 2026).
   Strict monochrome. Cinzel display / Montserrat body.
   Two ornaments only: the hairline rule and the four-bar mark.
   ============================================================ */

:root{
  --pfp-black:#000000;
  --pfp-ink:#0A0A0A;
  --pfp-white:#FFFFFF;
  --grey-900:#141414;
  --grey-800:#1F1F1F;
  --grey-700:#2A2A2A;
  --grey-600:#3A3A3A;
  --grey-500:#6B6B6B;
  --grey-400:#8C8C8C;
  --grey-300:#B8B8B8;
  --grey-200:#D9D9D9;
  --grey-100:#EDEDED;
  --grey-50:#F7F7F7;
  --bar-grey:#A8A8A8;
  --font-display:'Cinzel','Trajan Pro','Cormorant Garamond',serif;
  --font-body:'Montserrat','Helvetica Neue','Inter',sans-serif;
  --wrap:1240px;
  --pad:clamp(20px,4vw,48px);
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  font-weight:400;
  font-size:16px;
  line-height:1.6;
  color:var(--pfp-ink);
  background:var(--pfp-white);
  -webkit-font-smoothing:antialiased;
}
body.no-scroll{overflow:hidden}
img,video{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

.wrap{max-width:var(--wrap);margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}

/* ---------- type ---------- */
h1,h2,h3,.display{
  font-family:var(--font-display);
  font-weight:400;
  text-transform:uppercase;
  letter-spacing:.14em;
  line-height:1.12;
}
h2{font-size:clamp(30px,4.4vw,52px);letter-spacing:.1em;line-height:1.18}
h3{font-size:clamp(20px,2.4vw,27px);letter-spacing:.08em;line-height:1.25}

.eyebrow{
  font-size:12px;font-weight:700;letter-spacing:.32em;text-transform:uppercase;
  color:var(--grey-500);
}
.on-dark .eyebrow{color:var(--grey-400)}
.lede{font-size:clamp(17px,1.8vw,21px);font-weight:300;line-height:1.55;max-width:56ch}
.muted{color:var(--grey-500)}
.on-dark .muted{color:var(--grey-300)}

/* hairline brackets around display type */
.rule{border:0;border-top:1px solid var(--pfp-black);margin:26px 0;width:88px}
.rule.full{width:100%}
.on-dark .rule{border-top-color:var(--pfp-white)}
.rule.r2{border-top-width:2px}

/* the four-bar signature */
.bars{display:inline-flex;gap:6px;height:22px}
.bars i{width:7px;background:currentColor}
.bars i:nth-child(2),.bars i:nth-child(4){background:var(--bar-grey)}

/* ---------- header ---------- */
header{
  position:fixed;inset:0 0 auto 0;z-index:50;
  background:rgba(0,0,0,.85);
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--grey-800);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:88px}
.wordmark img{height:64px;width:auto}
nav.main{display:flex;gap:34px;align-items:center}
nav.main a{
  font-size:12px;font-weight:500;letter-spacing:.22em;text-transform:uppercase;
  color:var(--grey-300);padding:6px 0;border-bottom:1px solid transparent;
  transition:color .25s,border-color .25s;
}
nav.main a:hover{color:var(--pfp-white)}
nav.main a.active{color:var(--pfp-white);border-bottom-color:var(--pfp-white)}

.burger{display:none;background:none;border:0;width:40px;height:40px;cursor:pointer;position:relative;z-index:70}
.burger span{position:absolute;left:8px;right:8px;height:1px;background:var(--pfp-white);transition:transform .3s,opacity .3s}
.burger span:first-child{top:15px}
.burger span:last-child{bottom:15px}
.burger.open span:first-child{transform:translateY(4.5px) rotate(45deg)}
.burger.open span:last-child{transform:translateY(-4.5px) rotate(-45deg)}

.mnav{
  position:fixed;inset:0;z-index:60;background:var(--pfp-black);
  display:flex;align-items:center;justify-content:center;
  opacity:0;pointer-events:none;transition:opacity .35s;
}
.mnav.open{opacity:1;pointer-events:auto}
.mnav nav{display:flex;flex-direction:column;gap:26px;text-align:center}
.mnav a{
  font-family:var(--font-display);font-size:24px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--pfp-white);
}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;padding:16px 30px;border-radius:4px;
  font-family:var(--font-body);font-size:12px;font-weight:700;
  letter-spacing:.22em;text-transform:uppercase;
  transition:background .25s,color .25s,border-color .25s;
  border:1px solid transparent;
}
.btn-light{background:var(--pfp-white);color:var(--pfp-black)}
.btn-light:hover{background:var(--grey-100)}
.btn-dark{background:var(--pfp-black);color:var(--pfp-white)}
.btn-dark:hover{background:var(--grey-800)}
.btn-ghost{border-color:var(--pfp-white);color:var(--pfp-white)}
.btn-ghost:hover{background:var(--pfp-white);color:var(--pfp-black)}
.btn-ghost-dark{border-color:var(--pfp-black);color:var(--pfp-black)}
.btn-ghost-dark:hover{background:var(--pfp-black);color:var(--pfp-white)}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:34px}

/* ---------- hero (home) ---------- */
.hero{
  position:relative;min-height:100svh;display:flex;flex-direction:column;justify-content:flex-end;
  background:var(--pfp-black);color:var(--pfp-white);overflow:hidden;
}
.hero .bg{position:absolute;inset:0}
.hero .bg video,.hero .bg img{width:100%;height:100%;object-fit:cover;filter:grayscale(1) contrast(1.05)}
.hero .bg::after{content:"";position:absolute;inset:0;background:rgba(0,0,0,.52)}
.hero-pad{position:relative;z-index:2;padding-top:170px;padding-bottom:76px;width:100%}
.hero h1{font-size:clamp(50px,8.6vw,126px);line-height:1.06}
.hero .lede{margin-top:8px}
.scroll-cue{
  position:absolute;right:clamp(20px,4vw,48px);bottom:120px;z-index:3;
  font-size:10px;letter-spacing:.4em;text-transform:uppercase;color:var(--grey-300);
  writing-mode:vertical-rl;
}
.scroll-cue::after{content:"";display:block;width:1px;height:54px;background:var(--grey-300);margin-top:12px;margin-left:4px}

/* interior hero: black, type-forward */
.hero-int{
  background:var(--pfp-black);color:var(--pfp-white);
  padding:196px 0 84px;position:relative;
}
.hero-int h1{font-size:clamp(38px,5.6vw,84px);line-height:1.1}
.hero-int .bars{margin-bottom:26px}

/* ---------- fine print band ---------- */
.fineprint-band{background:var(--pfp-black);padding:0 0 30px}
.fineprint-band .wrap{border-top:1px solid var(--grey-800);padding-top:26px}
.fineprint{font-size:12.5px;line-height:1.7;color:var(--grey-500);max-width:88ch;letter-spacing:.02em}

/* ---------- marquee ---------- */
.marquee{
  position:relative;z-index:2;border-top:1px solid var(--grey-700);
  overflow:hidden;background:var(--pfp-black);
}
.marquee-track{
  display:inline-flex;white-space:nowrap;padding:15px 0;
  animation:marq 46s linear infinite;
}
.marquee span{
  font-size:11px;font-weight:700;letter-spacing:.34em;text-transform:uppercase;
  color:var(--grey-400);padding:0 34px;position:relative;
}
.marquee span::after{content:"";position:absolute;right:-3px;top:50%;width:6px;height:1px;background:var(--grey-600)}
@keyframes marq{to{transform:translateX(-50%)}}

/* ---------- sections ---------- */
section{padding:clamp(56px,7.5vw,92px) 0}
section.dark{background:var(--pfp-black);color:var(--pfp-white)}
section.grey{background:var(--grey-50)}
section.tight{padding:clamp(40px,5vw,64px) 0}

.sec-label{
  display:flex;align-items:baseline;gap:20px;margin-bottom:34px;
  border-bottom:1px solid var(--grey-200);padding-bottom:14px;
}
section.dark .sec-label{border-bottom-color:var(--grey-800)}
.sec-label .num{font-family:var(--font-display);font-size:14px;letter-spacing:.14em;color:var(--grey-400)}
.sec-label .txt{font-size:12px;font-weight:700;letter-spacing:.32em;text-transform:uppercase}

/* ---------- stat band ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);border-left:1px solid var(--grey-800)}
.stats .cell{border-right:1px solid var(--grey-800);padding:10px 26px}
.stats .v{font-family:var(--font-display);font-size:clamp(38px,4.6vw,60px);letter-spacing:.06em;line-height:1.1}
.stats .k{font-size:11px;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--grey-400);margin-top:8px}
.strength-line{
  font-size:clamp(17px,1.9vw,22px);font-weight:300;line-height:1.55;color:var(--grey-300);
  max-width:62ch;margin-top:44px;
}
.strength-line strong{color:var(--pfp-white);font-weight:500}

/* ---------- pillars ---------- */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-left:1px solid var(--grey-200)}
.pillar{border-right:1px solid var(--grey-200);padding:6px 26px 10px}
.pillar .no{font-family:var(--font-display);font-size:30px;color:var(--grey-300);letter-spacing:.06em}
.pillar h3{margin:14px 0 6px;border-top:2px solid var(--pfp-black);padding-top:16px;font-size:19px;letter-spacing:.12em}
.pillar p{font-size:14.5px;color:var(--grey-500);line-height:1.6}
.supp{
  margin-top:40px;display:flex;gap:22px;align-items:baseline;flex-wrap:wrap;
  border-top:1px solid var(--grey-200);padding-top:22px;
}
.supp .tag{font-size:12px;font-weight:700;letter-spacing:.26em;text-transform:uppercase}
.supp p{font-size:14.5px;color:var(--grey-500);max-width:64ch}

/* ---------- steps / mechanics ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,3vw,48px)}
.step .no{font-family:var(--font-display);font-size:clamp(44px,5vw,64px);color:var(--grey-200);line-height:1}
.step h3{margin:12px 0 10px;padding-top:16px;border-top:1px solid var(--pfp-black)}
.step p{font-size:15px;color:var(--grey-500)}
section.dark .step .no{color:var(--grey-700)}
section.dark .step h3{border-top-color:var(--pfp-white)}
section.dark .step p{color:var(--grey-300)}

/* ---------- scroll story ---------- */
.story{background:var(--pfp-black);color:var(--pfp-white);height:320vh;position:relative}
.pin{position:sticky;top:0;height:100svh;display:flex;align-items:center;overflow:hidden}
.story .line{
  font-family:var(--font-display);text-transform:uppercase;letter-spacing:.1em;
  font-size:clamp(30px,4.6vw,58px);line-height:1.3;
  opacity:.14;transform:translateY(10px);
  transition:opacity .7s cubic-bezier(.2,.6,.2,1),transform .7s cubic-bezier(.2,.6,.2,1);
}
.story .line.on{opacity:1;transform:none}
.story .line.last{margin-top:26px;color:var(--bar-grey)}

/* ---------- benefit grid (clients/brokers) ---------- */
.bgrid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--grey-200);border-left:1px solid var(--grey-200)}
.bcell{border-right:1px solid var(--grey-200);border-bottom:1px solid var(--grey-200);padding:34px 30px;transition:background .35s,color .35s}
.bcell .idx{font-family:var(--font-display);font-size:22px;color:var(--grey-300);letter-spacing:.1em}
.bcell h3{margin:10px 0 8px}
.bcell p{font-size:15px;color:var(--grey-500)}
.bcell.feature{background:var(--pfp-black);color:var(--pfp-white)}
.bcell.feature .idx{color:var(--grey-500)}
.bcell.feature p{color:var(--grey-300)}

/* interactive benefit grid - quadrant turns black on hover */
.bgrid-hover .bcell .idx,.bgrid-hover .bcell p{transition:color .35s}
.bgrid-hover .bcell:hover{background:var(--pfp-black);color:var(--pfp-white)}
.bgrid-hover .bcell:hover .idx{color:var(--grey-500)}
.bgrid-hover .bcell:hover p{color:var(--grey-300)}

/* one-line interior hero title */
.hero-int h1.h1-one{font-size:clamp(21px,2.3vw,33px);letter-spacing:.09em;line-height:1.3}

/* oversized statement */
.statement .big{font-size:clamp(58px,8.6vw,118px);letter-spacing:.1em;line-height:1}

/* ---------- timeline ---------- */
.timeline{border-left:2px solid var(--pfp-black);margin-left:8px}
.tl{position:relative;padding:0 0 42px 38px}
.tl:last-child{padding-bottom:0}
.tl::before{content:"";position:absolute;left:-6px;top:9px;width:10px;height:10px;background:var(--pfp-black)}
.tl .when{font-size:12px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--grey-400)}
.tl h3{margin:8px 0 6px}
.tl p{font-size:15px;color:var(--grey-500);max-width:64ch}

/* ---------- split ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,72px);align-items:start}
.split .side{border-top:2px solid var(--pfp-black);padding-top:22px}
.side .item{padding:16px 0;border-bottom:1px solid var(--grey-200)}
.side .item .k{font-size:11px;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--grey-400)}
.side .item .v{font-family:var(--font-display);font-size:20px;letter-spacing:.08em;text-transform:uppercase;margin-top:4px}
.prose p{margin-bottom:18px;max-width:66ch}
.prose p:last-child{margin-bottom:0}

/* ---------- partner wall ---------- */
.partners{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--grey-200);border-top:1px solid var(--grey-200)}
.partners .cell{border-bottom:1px solid var(--grey-200)}
.partners .cell{
  border-right:1px solid var(--grey-200);
  min-height:142px;display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:14px;padding:24px 18px;text-align:center;
}
.partners .nm{
  font-family:var(--font-display);font-size:clamp(16px,1.7vw,22px);letter-spacing:.14em;text-transform:uppercase;
  color:var(--grey-500);text-align:center;transition:color .3s;
}
.partners img.mk{
  display:block;
  height:auto;max-height:40px;width:auto;max-width:76%;
  filter:grayscale(1) contrast(1.04);opacity:.58;transition:opacity .3s;
}
.partners .cell .nm{display:none}
.partners .cell.no-mk img.mk{display:none}
.partners .cell.no-mk .nm{display:block}
.partners .rel{
  font-size:10.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;
  color:var(--grey-400);transition:color .3s;
}
.partners .cell:hover .nm{color:var(--pfp-black)}
.partners img.mk-fine{opacity:.72}
.partners .cell:hover img.mk{opacity:1}
.partners .cell:hover .rel{color:var(--grey-600)}
.partners-note{margin-top:18px;font-size:12.5px;color:var(--grey-400);letter-spacing:.04em}

/* ---------- photo band ---------- */
.photo-band{position:relative;height:64vh;overflow:hidden;background:var(--pfp-black)}
.photo-band img{position:absolute;inset:-12% 0;width:100%;height:124%;object-fit:cover;filter:grayscale(1) contrast(1.1)}
.photo-band .cap{
  position:absolute;left:0;right:0;bottom:0;z-index:2;padding:22px 0;
  background:var(--pfp-black);border-top:1px solid var(--grey-800);color:var(--pfp-white);
}
.photo-band .cap .wrap{display:flex;justify-content:space-between;align-items:baseline;gap:20px;flex-wrap:wrap}
.photo-band .cap .t{font-family:var(--font-display);font-size:clamp(20px,2.6vw,30px);letter-spacing:.12em;text-transform:uppercase}
.photo-band .cap .s{font-size:11px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--grey-300)}

/* ---------- offices ---------- */
.offices{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-left:1px solid var(--grey-200)}
.office{border-right:1px solid var(--grey-200);padding:8px 26px}
.office .k{font-size:11px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--grey-400)}
.office h3{margin:10px 0 12px;border-top:2px solid var(--pfp-black);padding-top:14px}
.office p{font-size:14.5px;color:var(--grey-500);line-height:1.7}
section.dark .office{border-right-color:var(--grey-800)}
section.dark .offices{border-left-color:var(--grey-800)}
section.dark .office h3{border-top-color:var(--pfp-white)}
section.dark .office p{color:var(--grey-300)}

/* ---------- quote ---------- */
.quote{
  font-family:var(--font-display);font-size:clamp(22px,3vw,36px);letter-spacing:.06em;
  text-transform:none;line-height:1.5;max-width:30ch;
}
.quote-attr{margin-top:22px;font-size:11px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--grey-400)}

/* ---------- CTA band ---------- */
.cta-band{background:var(--pfp-black);color:var(--pfp-white);padding:clamp(72px,9vw,120px) 0}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(32px,4.6vw,58px)}

/* ---------- forms ---------- */
form{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.f-full{grid-column:1 / -1}
label{font-size:11px;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--grey-500);display:block;margin-bottom:8px}
input,select,textarea{
  width:100%;padding:14px 16px;font-family:var(--font-body);font-size:15px;color:var(--pfp-ink);
  background:var(--pfp-white);border:1px solid var(--grey-200);border-radius:0;
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--pfp-black)}
textarea{min-height:140px;resize:vertical}
.form-note{grid-column:1 / -1;font-size:12.5px;color:var(--grey-400);line-height:1.6}
.thanks{display:none;border:1px solid var(--pfp-black);padding:34px}
.thanks .t{font-size:12px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;border-bottom:1px solid var(--pfp-black);display:inline-block;padding-bottom:6px}
.thanks p{margin-top:14px;color:var(--grey-500)}

/* ---------- footer ---------- */
footer{background:var(--pfp-black);color:var(--grey-300);padding:70px 0 40px;border-top:1px solid var(--grey-800)}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px}
.footer-grid h4{
  font-size:11px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--pfp-white);
  margin-bottom:16px;border-bottom:1px solid var(--grey-800);padding-bottom:10px;
}
.footer-grid a{display:block;font-size:14px;padding:4px 0;color:var(--grey-400);transition:color .25s}
.footer-grid a:hover{color:var(--pfp-white)}
.footer-grid p{font-size:13.5px;color:var(--grey-400);line-height:1.7}
.foot-logo{height:118px;width:auto}
.foot-tag{margin-top:14px;font-size:13.5px;color:var(--grey-400);max-width:30ch}
.footer-bottom{
  margin-top:56px;padding-top:24px;border-top:1px solid var(--grey-800);
  display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;
}
.footer-bottom span{font-size:12px;color:var(--grey-500);letter-spacing:.04em}
.acris-link{
  font-family:var(--font-display);font-size:14px;letter-spacing:.22em;text-transform:uppercase;
  color:var(--pfp-white);border-bottom:1px solid var(--bar-grey);padding-bottom:5px;
  transition:color .3s;
}
.acris-link:hover{color:var(--bar-grey)}

/* ---------- reveal ---------- */
.fade{opacity:0;transform:translateY(26px);transition:opacity .9s cubic-bezier(.2,.6,.2,1),transform .9s cubic-bezier(.2,.6,.2,1)}
.fade.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1020px){
  .stats{grid-template-columns:1fr 1fr}
  .stats .cell{border-bottom:1px solid var(--grey-800);padding:18px 26px}
  .pillars{grid-template-columns:1fr 1fr;border-top:1px solid var(--grey-200)}
  .pillar{border-bottom:1px solid var(--grey-200);padding:24px 26px}
  .partners{grid-template-columns:repeat(3,1fr);border-top:1px solid var(--grey-200)}
  .partners .cell{border-bottom:1px solid var(--grey-200)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  nav.main{display:none}
  .burger{display:block}
  .steps,.split,.offices{grid-template-columns:1fr}
  .office{border-bottom:1px solid var(--grey-200);padding:20px 26px}
  .bgrid{grid-template-columns:1fr}
  form{grid-template-columns:1fr}
  .hero-pad{padding-top:140px}
  .cta-inner{flex-direction:column;align-items:flex-start}
}
@media (max-width:560px){
  .partners{grid-template-columns:1fr 1fr}
  .partners .cell{min-height:126px;gap:10px;padding:20px 12px}
  .partners img.mk{max-height:32px;max-width:82%}
  .partners .rel{font-size:9.5px;letter-spacing:.16em}
  .footer-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  .fade{opacity:1;transform:none;transition:none}
  .marquee-track{animation:none}
  html{scroll-behavior:auto}
}

/* print: reveal everything so pages print fully */
@media print{
  .fade{opacity:1 !important;transform:none !important;transition:none}
  .story{height:auto}
  .pin{position:static;height:auto;padding:48px 0}
  .story .line{opacity:1;transform:none}
  .hero{min-height:auto;padding:40px 0}
  .hero .bg,.scroll-cue,.marquee{display:none}
  header{position:static;background:#000}
  .photo-band img{position:static;height:auto}
}