/* EMx Lending · emxlending.com
   Same family as EMxOS and the Market Cycle Brief: black and white, EMx green as the only accent,
   Archivo for display, Inter for reading, the skewed green band from the Brief masthead. */
:root {
  --black: #000; --ink: #0b0d0c; --ink-2: #3f4543; --mute: #5f6763; --line: #e1e5e2; --wash: #f5f7f5;
  --green: #009444; --green-deep: #007134; --green-wash: #e6f4ec; --on-dark: #fff; --on-dark-2: #b9c2bc;
  --display: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --body: "Inter", "Segoe UI", system-ui, sans-serif;
  --r: 12px; --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: #fff; color: var(--ink); font: 17px/1.6 var(--body); }
img { max-width: 100%; display: block; }
a { color: var(--green-deep); }
h1, h2, h3, h4 { font-family: var(--display); margin: 0; line-height: 1.08; letter-spacing: -.015em; text-wrap: balance; }
h1 { font-size: clamp(38px, 6vw, 68px); font-weight: 800; }
h2 { font-size: clamp(30px, 4vw, 46px); font-weight: 800; }
h3 { font-size: 21px; font-weight: 700; letter-spacing: -.005em; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding-inline: clamp(16px, 4vw, 40px); }
.eyebrow { font: 700 12px/1.2 var(--display); letter-spacing: .16em; text-transform: uppercase; color: var(--green-deep); margin: 0 0 14px; }
.dark .eyebrow { color: #7fd1a6; }
.lede { font-size: clamp(18px, 2vw, 21px); color: var(--ink-2); max-width: 62ch; }
.dark .lede { color: #d6ddd8; }
.mute { color: var(--mute); }
.skip { position: absolute; left: -999px; } .skip:focus { left: 12px; top: 12px; z-index: 99; background: #fff; padding: 8px 12px; }
:focus-visible { outline: 3px solid var(--green); outline-offset: 3px; }

/* buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; font: 700 16px/1 var(--display); padding: 15px 22px; border-radius: 8px; text-decoration: none; border: 2px solid transparent; transition: background .15s, color .15s, border-color .15s; cursor: pointer; }
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: var(--green-deep); }
.btn-dark { background: var(--black); color: #fff; }
.btn-dark:hover { background: #222; }
.btn-ghost { border-color: currentColor; color: var(--ink); background: transparent; }
.dark .btn-ghost { color: #fff; }
.btn-ghost:hover { background: rgba(127, 127, 127, .12); }
.btns { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.arrow::after { content: "→"; font-family: var(--body); }

/* header */
.top { background: var(--black); color: #fff; position: sticky; top: 0; z-index: 50; border-bottom: 1px solid #1c1c1c; }
.top .wrap { display: flex; align-items: center; gap: 24px; height: 72px; }
.brand img { height: 40px; width: auto; }
.nav { display: flex; gap: 4px; margin-left: auto; align-items: center; }
.nav a { color: #e9ece9; text-decoration: none; font: 600 15px/1 var(--body); padding: 10px 11px; border-radius: 6px; }
.nav a:hover, .nav a[aria-current="page"] { background: rgba(255, 255, 255, .1); color: #fff; }
.nav .signin { color: var(--on-dark-2); }
.nav .btn { padding: 11px 16px; font-size: 15px; margin-left: 6px; }
.menu { display: none; margin-left: auto; }
.menu summary { list-style: none; cursor: pointer; font: 700 15px var(--display); color: #fff; padding: 10px 12px; border: 1px solid #333; border-radius: 8px; }
.menu summary::-webkit-details-marker { display: none; }
.menu[open] .sheet { display: grid; }
.sheet { display: none; position: absolute; left: 0; right: 0; top: 72px; background: #000; padding: 12px 16px 20px; gap: 2px; border-bottom: 1px solid #222; }
.sheet a { color: #fff; text-decoration: none; padding: 12px 8px; font-weight: 600; border-bottom: 1px solid #1a1a1a; }
.sheet .btn { margin-top: 12px; justify-content: center; }
@media (max-width: 1060px) { .nav { display: none; } .menu { display: block; } }

/* hero */
.hero { background: var(--black); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -60px; width: 340px; height: 160%; background: var(--green); transform: skewX(-22deg); opacity: .95; }
.hero .wrap { position: relative; z-index: 1; padding-block: clamp(64px, 10vw, 120px) clamp(56px, 8vw, 96px); }
.hero h1 { max-width: 15ch; }
.hero .lede { margin-top: 22px; color: #d6ddd8; }
.hero .eyebrow { color: #7fd1a6; }
.hero .btn-ghost { color: #fff; }
.hero.small .wrap { padding-block: clamp(52px, 7vw, 84px) clamp(44px, 6vw, 64px); }
.hero.small h1 { font-size: clamp(34px, 5vw, 56px); max-width: 18ch; }
.hero.small::after { width: 240px; }
@media (max-width: 760px) { .hero::after { width: 120px; right: -70px; } .hero.small::after { width: 90px; } }
.proof { display: flex; flex-wrap: wrap; gap: 18px 44px; margin-top: 44px; padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .16); max-width: 860px; }
.proof div { font: 800 30px/1 var(--display); }
.proof span { display: block; font: 500 13px/1.3 var(--body); color: var(--on-dark-2); margin-top: 6px; letter-spacing: .02em; }

/* sections */
section.band { padding-block: clamp(64px, 9vw, 112px); }
.band.wash { background: var(--wash); }
.band.dark, .dark { background: var(--black); color: #fff; }
.band.green { background: var(--green); color: #fff; }
.head { max-width: 760px; margin-bottom: 44px; }
.head h2 + p { margin-top: 18px; }
.grid { display: grid; gap: 20px; }
.g2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.g3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.g4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 960px) { .g3, .g4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 28px; position: relative; }
.wash .card { border-color: #e4e8e5; }
.card.line { border-top: 5px solid var(--green); }
.card h3 { margin-bottom: 10px; }
.card p:last-child { margin-bottom: 0; }
.card .k { font: 700 12px/1 var(--display); letter-spacing: .14em; text-transform: uppercase; color: var(--mute); margin-bottom: 12px; }
.card .more { font-weight: 700; text-decoration: none; display: inline-block; margin-top: 8px; }
.card .more::after { content: " →"; }
.dark .card { background: #111; border-color: #222; color: #fff; }
.dark .card p { color: #cfd6d1; }
.ticks { list-style: none; padding: 0; margin: 14px 0 0; }
.ticks li { padding: 7px 0 7px 30px; position: relative; border-bottom: 1px solid var(--line); }
.ticks li:last-child { border-bottom: 0; }
.ticks li::before { content: ""; position: absolute; left: 0; top: 14px; width: 14px; height: 8px; border-left: 3px solid var(--green); border-bottom: 3px solid var(--green); transform: rotate(-45deg); }
.dark .ticks li { border-color: #232323; }

/* two sides */
.sides { display: grid; grid-template-columns: 1fr 1fr; border-radius: 16px; overflow: hidden; border: 1px solid var(--line); }
.sides > div { padding: clamp(28px, 4vw, 48px); }
.sides > div:first-child { background: var(--black); color: #fff; }
.sides > div:first-child p, .sides > div:first-child li { color: #d6ddd8; }
.sides > div:first-child .ticks li { border-color: #222; }
.sides h3 { font-size: 30px; font-weight: 800; margin-bottom: 12px; }
@media (max-width: 820px) { .sides { grid-template-columns: 1fr; } }

/* programs */
.prog { display: flex; flex-direction: column; }
.prog .facts { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; margin: 16px 0 18px; font-size: 15px; }
.prog .facts dt { color: var(--mute); }
.prog .facts dd { margin: 0; font-weight: 600; }
.prog .more { margin-top: auto; }
.tag { display: inline-block; font: 700 11px/1 var(--display); letter-spacing: .1em; text-transform: uppercase; color: var(--green-deep); background: var(--green-wash); padding: 6px 9px; border-radius: 99px; margin-bottom: 14px; }

/* pillars */
.layers { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 900px) { .layers { grid-template-columns: 1fr; } }
.layer { border-radius: var(--r); padding: 26px; background: #111; border: 1px solid #242424; }
.layer .lname { font: 800 14px/1 var(--display); letter-spacing: .16em; text-transform: uppercase; color: #7fd1a6; margin-bottom: 16px; }
.pil { display: grid; grid-template-columns: 44px 1fr; gap: 4px 12px; padding: 14px 0; border-top: 1px solid #262626; }
.pil:first-of-type { border-top: 0; padding-top: 0; }
.pil .n { font: 800 30px/1 var(--display); color: var(--green); grid-row: span 2; }
.pil b { font: 700 18px/1.2 var(--display); color: #fff; }
.pil span { color: #b9c2bc; font-size: 15px; }
.pillar-row { display: grid; grid-template-columns: 90px 1fr 1fr; gap: 28px; padding: 36px 0; border-top: 1px solid var(--line); align-items: start; }
.pillar-row .num { font: 800 64px/1 var(--display); color: var(--green); }
.pillar-row h3 { font-size: 28px; margin-bottom: 6px; }
.pillar-row .layer-tag { font: 700 12px/1 var(--display); letter-spacing: .14em; text-transform: uppercase; color: var(--mute); margin-bottom: 12px; display: block; }
@media (max-width: 820px) { .pillar-row { grid-template-columns: 1fr; gap: 10px; } .pillar-row .num { font-size: 44px; } }

/* steps */
.steps { counter-reset: s; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 900px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step { padding: 26px; border-radius: var(--r); background: #fff; border: 1px solid var(--line); }
.step::before { counter-increment: s; content: counter(s, decimal-leading-zero); font: 800 40px/1 var(--display); color: var(--green); display: block; margin-bottom: 14px; }
.step h3 { margin-bottom: 8px; }
.step p { margin: 0; color: var(--ink-2); font-size: 16px; }

/* split with media */
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px, 5vw, 72px); align-items: center; }
.split.flip > :first-child { order: 2; }
@media (max-width: 900px) { .split, .split.flip { grid-template-columns: 1fr; } .split.flip > :first-child { order: 0; } }
.portrait { border-radius: 16px; overflow: hidden; background: #222; position: relative; }
.portrait img { width: 100%; height: auto; }
.portrait::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 8px; background: var(--green); }

/* EMxOS mock */
.os { background: #f2f4f2; border-radius: 16px; border: 1px solid var(--line); overflow: hidden; display: grid; grid-template-columns: 170px 1fr; min-height: 380px; font-size: 13px; box-shadow: 0 30px 60px -30px rgba(0,0,0,.35); }
.os .side { background: #000; color: #fff; padding: 16px 12px; }
.os .side img { height: 26px; width: auto; margin-bottom: 18px; }
.os .side .g { font: 700 9px var(--display); letter-spacing: .16em; color: #777; text-transform: uppercase; margin: 12px 6px 4px; }
.os .side .i { padding: 6px; border-radius: 5px; color: #d6ddd8; }
.os .side .i.on { background: rgba(255,255,255,.1); color: #fff; font-weight: 600; }
.os .main { padding: 20px; }
.os .main .t { font: 800 22px var(--display); margin: 4px 0 12px; }
.os .tile { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 12px 14px; margin-bottom: 10px; }
.os .tile b { font-family: var(--display); }
.os .pgrid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.os .pgrid div { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 8px 10px; font-weight: 600; }
.os .pgrid div small { display: block; color: var(--mute); font-weight: 500; font-size: 10px; letter-spacing: .08em; text-transform: uppercase; }
.os .next { border-left: 4px solid var(--green); }
@media (max-width: 560px) { .os { grid-template-columns: 1fr; } .os .side { display: none; } }

/* table */
.tbl { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); background: #fff; }
table { border-collapse: collapse; width: 100%; min-width: 680px; }
th, td { text-align: left; padding: 16px 18px; border-bottom: 1px solid var(--line); vertical-align: top; font-size: 16px; }
th { font: 700 12px/1.2 var(--display); letter-spacing: .1em; text-transform: uppercase; color: var(--mute); background: var(--wash); }
tr:last-child td { border-bottom: 0; }
td b { font-family: var(--display); }
.hl { background: var(--green-wash); }

/* forms */
.formcard { background: #fff; border-radius: 16px; border: 1px solid var(--line); overflow: hidden; }
.formcard iframe { width: 100%; border: 0; display: block; min-height: 900px; }
.formnote { font-size: 14px; color: var(--mute); padding: 12px 18px; border-top: 1px solid var(--line); margin: 0; }

/* cta band */
.cta { background: var(--black); color: #fff; position: relative; overflow: hidden; }
.cta::before { content: ""; position: absolute; left: -80px; top: -40px; width: 200px; height: 180%; background: var(--green); transform: skewX(-22deg); }
.cta .wrap { position: relative; padding-block: clamp(56px, 8vw, 96px); display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; padding-left: max(clamp(16px, 4vw, 40px), 170px); }
@media (max-width: 760px) { .cta::before { display: none; } .cta .wrap { padding-left: clamp(16px, 4vw, 40px); } }
.cta h2 { max-width: 20ch; }

/* quote */
.quote { font: 600 clamp(22px, 2.6vw, 30px)/1.35 var(--display); letter-spacing: -.01em; max-width: 30ch; }
.quote::before { content: ""; display: block; width: 56px; height: 6px; background: var(--green); margin-bottom: 22px; }

/* footer */
.foot { background: #000; color: #b9c2bc; font-size: 15px; }
.foot .wrap { padding-block: 64px 40px; }
.foot .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 860px) { .foot .cols { grid-template-columns: 1fr 1fr; } }
.foot h4 { color: #fff; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.foot a { color: #e2e7e3; text-decoration: none; display: block; padding: 4px 0; }
.foot a:hover { color: #fff; text-decoration: underline; }
.foot .tagline { font: 700 13px var(--display); letter-spacing: .16em; text-transform: uppercase; color: #7fd1a6; margin: 18px 0 8px; }
.foot .legal { border-top: 1px solid #1e1e1e; margin-top: 44px; padding-top: 24px; font-size: 12.5px; line-height: 1.6; color: #8d958f; }
.foot .legal a { display: inline; padding: 0; color: #b9c2bc; }
.prose { max-width: 760px; }
.prose h2 { font-size: 26px; margin: 34px 0 10px; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.small { font-size: 14px; }

.alerts { display: grid; grid-template-columns: 1.1fr .9fr; gap: 28px; align-items: center; background: #fff; border: 1px solid var(--line); border-left: 8px solid var(--green); border-radius: 16px; padding: clamp(28px, 4vw, 48px); }
@media (max-width: 820px) { .alerts { grid-template-columns: 1fr; } }