:root {
  --bg: #f8fafc;
  --ink: #0f172a;
  --muted: #475569;
  --line: #e2e8f0;
  --card: #ffffff;
  --teal: #0f766e;
  --teal-soft: #ecfdf5;
  --indigo: #312e81;
  --indigo-soft: #eef2ff;
  --warn: #b91c1c;
  --shadow: 0 18px 40px -24px rgba(15, 23, 42, .35);
  --radius: 18px;
  --max: 1080px;
  --font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background:
    radial-gradient(900px 420px at 0% -10%, rgba(15,118,110,.12), transparent 55%),
    radial-gradient(800px 380px at 100% 0%, rgba(49,46,129,.10), transparent 50%),
    var(--bg);
  line-height: 1.55;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); }
.wrap { width: min(var(--max), calc(100% - 2rem)); margin-inline: auto; }
.site-header {
  position: sticky; top: 0; z-index: 20;
  backdrop-filter: blur(12px);
  background: rgba(248,250,252,.85);
  border-bottom: 1px solid rgba(226,232,240,.8);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding: .9rem 0;
}
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: inherit; }
.brand img { width: 36px; height: 36px; }
.brand span { font-weight: 750; letter-spacing: -.03em; font-size: 1.05rem; }
.brand span em { font-style: normal; color: var(--teal); }
.nav { display: flex; gap: 1rem; align-items: center; }
.nav a { text-decoration: none; color: var(--muted); font-size: .92rem; font-weight: 600; }
.nav a:hover { color: var(--ink); }
.nav .cta {
  background: var(--ink); color: #fff !important;
  padding: .55rem 0.95rem; border-radius: 999px;
}
.hero { padding: 4.25rem 0 3rem; }
.hero-grid {
  display: grid; gap: 2rem;
  grid-template-columns: 1.15fr .85fr; align-items: center;
}
.eyebrow {
  display: inline-flex; align-items: center; gap: .45rem;
  font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  color: var(--teal); background: var(--teal-soft);
  padding: .35rem .7rem; border-radius: 999px;
}
.hero h1, .hero-title {
  margin: 1rem 0 .85rem;
  font-size: clamp(2rem, 4.4vw, 3.15rem);
  line-height: 1.12; letter-spacing: -.035em;
}
.hero-title .hero-line { display: block; }
.hero-title .hero-line-1 { color: var(--ink); }
.hero-title .hero-line-2 {
  background: linear-gradient(135deg, var(--teal), var(--indigo));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
}
.hero .lede { font-size: 1.12rem; color: var(--muted); max-width: 38rem; margin: 0 0 1.5rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  border: 0; border-radius: 12px; padding: .85rem 1.15rem;
  font-weight: 700; font-size: .98rem; text-decoration: none; cursor: pointer;
}
.btn-primary { background: linear-gradient(135deg, var(--teal), var(--indigo)); color: #fff; }
.btn-primary:hover { filter: brightness(1.05); }
.btn-ghost { background: #fff; color: var(--ink); border: 1px solid var(--line); }
.hero-card {
  background: var(--card); border: 1px solid var(--line); border-radius: calc(var(--radius) + 4px);
  box-shadow: var(--shadow); padding: 1.35rem 1.35rem 1.15rem;
}
.hero-card h2 { margin: 0 0 .85rem; font-size: 1rem; letter-spacing: -.01em; }
.pill-list { list-style: none; margin: 0; padding: 0; display: grid; gap: .65rem; }
.pill-list li {
  display: grid; grid-template-columns: auto 1fr; gap: .7rem; align-items: start;
  padding: .75rem .8rem; border-radius: 12px; background: #f8fafc; border: 1px solid var(--line);
}
.dot {
  width: 1.55rem; height: 1.55rem; border-radius: 999px;
  display: grid; place-items: center; font-size: .7rem; font-weight: 800;
  background: var(--indigo-soft); color: var(--indigo);
}
.pill-list strong { display: block; font-size: .92rem; }
.pill-list span { color: var(--muted); font-size: .86rem; }
section.block { padding: 3.25rem 0; }
section.block.alt { background: #fff; border-block: 1px solid var(--line); }
.section-kicker { color: var(--teal); font-weight: 750; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; margin: 0 0 .4rem; }
.section-title { margin: 0 0 .65rem; font-size: clamp(1.45rem, 2.6vw, 2rem); letter-spacing: -.025em; }
.section-sub { margin: 0 0 1.75rem; color: var(--muted); max-width: 42rem; }
.steps {
  display: grid; gap: 1rem;
  grid-template-columns: repeat(4, 1fr);
  counter-reset: step;
}
.step {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.15rem 1.1rem 1.2rem; box-shadow: var(--shadow); position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step, upper-roman);
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 2rem; height: 1.7rem; padding: 0 .45rem; margin-bottom: .7rem;
  border-radius: 999px; background: var(--teal-soft); color: var(--teal);
  font-size: .72rem; font-weight: 800; letter-spacing: .04em;
}
.step h3 { margin: 0 0 .4rem; font-size: 1.02rem; }
.step p { margin: 0; color: var(--muted); font-size: .92rem; }
.cards-2, .cards-3 { display: grid; gap: 1rem; }
.cards-2 { grid-template-columns: 1fr 1fr; }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.25rem 1.2rem; box-shadow: var(--shadow);
}
.card h3 { margin: 0 0 .45rem; font-size: 1.05rem; }
.card p, .card li { color: var(--muted); font-size: .94rem; }
.card ul { margin: .4rem 0 0; padding-left: 1.1rem; }
.chip-row { display: flex; flex-wrap: wrap; gap: .55rem; }
.chip {
  background: var(--indigo-soft); color: var(--indigo);
  border-radius: 999px; padding: .45rem .85rem; font-weight: 650; font-size: .88rem;
}
.faq details {
  background: var(--card); border: 1px solid var(--line); border-radius: 14px;
  padding: .95rem 1.05rem; margin-bottom: .65rem;
}
.faq summary { cursor: pointer; font-weight: 700; }
.faq p { margin: .55rem 0 0; color: var(--muted); }
.access {
  background: linear-gradient(160deg, #0f172a 0%, #134e4a 100%);
  color: #f8fafc; border-radius: 28px; padding: 2rem 1.5rem;
  box-shadow: var(--shadow);
}
.access h2 { margin: 0 0 .45rem; letter-spacing: -.02em; font-size: clamp(1.4rem, 2.4vw, 1.85rem); }
.access .intro { margin: 0 0 1.35rem; color: #cbd5e1; max-width: 40rem; }
.pin-boxes {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1rem;
  align-items: stretch;
}
.pin-box {
  display: flex; flex-direction: column;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 18px; padding: 1.2rem 1.15rem 1.25rem;
  min-height: 100%;
  height: 100%;
  box-sizing: border-box;
}
.pin-box .pin-top { flex: 0 0 auto; }
.pin-box h3 { margin: 0 0 .35rem; font-size: 1.08rem; }
.pin-box .who {
  margin: 0;
  color: #cbd5e1;
  font-size: .92rem;
  line-height: 1.45;
  min-height: 2.9em; /* keep titles/descriptions visually balanced */
}
.pin-box .pin-actions {
  margin-top: auto;
  padding-top: 1rem;
  display: flex;
  flex-direction: column;
}
.pin-box .err { margin: .75rem 0 0; }
.pin-box .pin-actions .err { margin: 0 0 .75rem; }
.pin-box label {
  display: block; font-size: .78rem; font-weight: 700;
  margin: 0 0 .35rem; color: #e2e8f0;
}
.pin-box input[type=password],
.pin-box input[type=text] {
  width: 100%; border-radius: 10px; border: 1px solid rgba(255,255,255,.18);
  background: rgba(15,23,42,.45); color: #fff;
  padding: .8rem .9rem; font-size: 1.05rem; letter-spacing: .18em;
  height: 3rem; box-sizing: border-box;
}
.pin-box input:focus { outline: 2px solid #5eead4; border-color: transparent; }
.pin-box button {
  margin-top: .8rem; width: 100%; border: 0; border-radius: 10px;
  padding: 0 1rem; font-weight: 750; cursor: pointer;
  background: #fff; color: #0f172a;
  height: 3rem; line-height: 1;
  display: inline-flex; align-items: center; justify-content: center;
  box-sizing: border-box;
}
.pin-box.lender button { background: #fff; color: #0f172a; }
.pin-box button:hover { filter: brightness(1.05); }
.err {
  color: #fecaca; background: rgba(127,29,29,.35); border: 1px solid rgba(252,165,165,.35);
  padding: .55rem .7rem; border-radius: 8px; margin: 0 0 .75rem; font-size: .88rem;
}
.site-footer {
  padding: 2rem 0 2.5rem; color: var(--muted); font-size: .85rem; text-align: center;
}
@media (max-width: 900px) {
  .hero-grid, .steps, .cards-2, .cards-3 { grid-template-columns: 1fr; }
  .nav a:not(.cta) { display: none; }
  .hero { padding-top: 2.5rem; }
}
@media (max-width: 640px) {
  .pin-boxes { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

@media (max-width: 768px) {
  .wrap { width: min(var(--max), calc(100% - 1.25rem)); }
  .hero { padding: 2rem 0 1.5rem; }
  .access { padding: 1.35rem 1rem; border-radius: 20px; }
  .pin-box input { font-size: 16px; } /* prevent iOS zoom */
}
@media (max-width: 375px) {
  .hero h1 { font-size: 1.65rem; }
  .chip { font-size: .8rem; }
}