:root{
  --night:#0d1726;
  --night-2:#15233a;
  --sand:#efe7da;
  --sand-2:#e4d9c6;
  --ink:#16202e;
  --muted:#5d6675;
  --lamp:#f2b45a;
  --lamp-2:#ffd79a;
  --l1:#1d2c8c;
  --serif:'Fraunces',Georgia,serif;
  --sans:'Inter Tight',system-ui,-apple-system,Segoe UI,sans-serif;
  --pad:clamp(20px,5vw,72px);
}
*{box-sizing:border-box;margin:0;padding:0}
html,body{overflow-x:clip}
html{-webkit-text-size-adjust:100%}
body{font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--ink);background:var(--sand);-webkit-font-smoothing:antialiased}
img,video,canvas{display:block;max-width:100%}
a{color:inherit}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.01em;line-height:1.08}
h2{font-size:clamp(32px,4vw,52px)}
:focus-visible{outline:2px solid var(--lamp);outline-offset:3px}

/* nav */
.nav{position:fixed;inset:0 0 auto 0;z-index:40;display:flex;align-items:center;gap:28px;padding:18px var(--pad);color:#fff;transition:background .4s,color .4s,padding .4s}
.nav::before{content:"";position:absolute;inset:0 0 -30px 0;background:linear-gradient(rgba(8,14,24,.55),transparent);pointer-events:none;z-index:-1;transition:opacity .4s}
.nav.is-solid{background:rgba(239,231,218,.92);color:var(--ink);backdrop-filter:blur(10px);padding-block:12px}
.nav.is-solid::before{opacity:0}
.nav-brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:600;letter-spacing:.01em}
.nav-mark{width:12px;height:22px;position:relative;display:inline-block}
.nav-mark::before{content:"";position:absolute;left:3px;right:3px;top:7px;bottom:0;background:currentColor;clip-path:polygon(20% 0,80% 0,100% 100%,0 100%)}
.nav-mark i{position:absolute;left:3px;top:0;width:6px;height:6px;border-radius:50%;background:var(--lamp);box-shadow:0 0 10px var(--lamp)}
.nav-links{display:flex;gap:26px;margin-left:auto}
.nav-links a,.nav-call{text-decoration:none;font-size:15px;opacity:.9}
.nav-links a:hover,.nav-call:hover{opacity:1;text-decoration:underline;text-underline-offset:4px}
.nav-call{font-weight:600;border:1px solid currentColor;border-radius:999px;padding:7px 16px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 26px;border-radius:999px;font-weight:600;font-size:16px;text-decoration:none;transition:transform .25s,background .25s,color .25s}
.btn:hover{transform:translateY(-2px)}
.btn-lamp{background:var(--lamp);color:#1b1305}
.btn-lamp:hover{background:var(--lamp-2)}
.btn-ghost{border:1px solid rgba(255,255,255,.6);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}

/* hero */
.hero{position:relative;height:100vh;height:100svh;min-height:560px;color:#fff;overflow:hidden;background:var(--night)}
.hero-film,.hero-film video,.hero-film canvas{position:absolute;inset:0;width:100%;height:100%}
.hero-film video{object-fit:cover;object-position:49% 50%}
.hero-film canvas{pointer-events:none;mix-blend-mode:screen}
.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,14,24,.66) 0%,rgba(8,14,24,.25) 42%,rgba(8,14,24,0) 60%),linear-gradient(0deg,rgba(8,14,24,.65),rgba(8,14,24,0) 45%)}
.hero-copy{position:absolute;left:var(--pad);bottom:clamp(60px,12vh,120px);max-width:560px}
.hero-kicker{font-size:14px;letter-spacing:.06em;opacity:.85;margin-bottom:18px}
.hero h1{font-size:clamp(44px,5.6vw,78px);text-shadow:0 2px 30px rgba(0,0,0,.25)}
.hero-sub{margin-top:20px;font-size:18px;max-width:470px;opacity:.92}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero-hint{position:absolute;right:var(--pad);bottom:clamp(60px,12vh,120px);font-size:13px;letter-spacing:.05em;opacity:.75;transition:opacity .8s}
.hero-hint.is-gone{opacity:0}
.touch-only{display:none}
@media (hover:none){.fine-only{display:none}.touch-only{display:inline}}

/* letter */
.letter{padding:clamp(90px,14vw,170px) var(--pad)}
.letter-inner{max-width:980px;margin:0 auto}
.letter-lead{font-family:var(--serif);font-size:clamp(26px,3.1vw,40px);line-height:1.3;font-weight:400}
.letter-sign{margin-top:36px;font-family:var(--serif);font-style:italic;font-size:20px;color:var(--muted)}
.letter-sign span{display:block;font-family:var(--sans);font-style:normal;font-size:14px;margin-top:6px;letter-spacing:.04em}

/* the way home */
.way{position:relative;height:520vh;background:var(--night)}
.way-sticky{position:sticky;top:0;height:100vh;height:100svh;overflow:hidden;color:#fff}
.way-sticky video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.way-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,14,24,.7),rgba(8,14,24,.15) 60%),linear-gradient(180deg,rgba(8,14,24,.45),transparent 30%)}
.way-head{position:absolute;left:var(--pad);top:clamp(96px,15vh,140px);max-width:460px}
.way-head p{margin-top:12px;opacity:.85}
.way-steps{list-style:none;position:absolute;left:var(--pad);bottom:clamp(70px,14vh,130px);width:min(460px,calc(100% - 2*var(--pad)));height:220px}
.way-steps li{position:absolute;inset:auto 0 0 0;opacity:0;transform:translateY(24px);transition:opacity .6s,transform .6s}
.way-steps li.is-on{opacity:1;transform:none}
.way-n{display:inline-flex;width:38px;height:38px;border-radius:50%;align-items:center;justify-content:center;border:1px solid var(--lamp);color:var(--lamp);font-weight:600;margin-bottom:14px}
.way-steps h3{font-size:clamp(28px,3vw,40px)}
.way-steps p{margin-top:10px;opacity:.9;max-width:420px}
.way-rail{position:absolute;right:var(--pad);top:50%;transform:translateY(-50%);width:2px;height:40vh;background:rgba(255,255,255,.22)}
.way-rail i{position:absolute;left:0;top:0;width:100%;height:0;background:var(--lamp);box-shadow:0 0 12px var(--lamp)}

/* loans */
.loans{padding:clamp(90px,12vw,150px) var(--pad);background:var(--sand)}
.loans-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,100px);align-items:start}
.loans-note{margin-top:14px;color:var(--muted)}
.loans-options{margin-top:34px;border-top:1px solid rgba(22,32,46,.18)}
.loans-options button{display:block;width:100%;text-align:left;padding:18px 0;border-bottom:1px solid rgba(22,32,46,.18);font-family:var(--serif);font-size:clamp(20px,1.8vw,24px);color:var(--muted);transition:color .25s,padding .25s}
.loans-options button:hover{color:var(--ink)}
.loans-options button[aria-selected="true"]{color:var(--ink);padding-left:18px;position:relative}
.loans-options button[aria-selected="true"]::before{content:"";position:absolute;left:0;top:50%;width:8px;height:8px;margin-top:-4px;border-radius:50%;background:var(--lamp);box-shadow:0 0 10px var(--lamp)}
.loans-answer{position:sticky;top:120px;background:var(--night);color:#fff;border-radius:6px;padding:clamp(30px,4vw,52px);min-height:360px;display:flex;flex-direction:column}
.la-tag{color:var(--lamp);font-weight:600;font-size:15px;letter-spacing:.04em}
.loans-answer h3{font-size:clamp(28px,2.8vw,38px);margin-top:16px}
.loans-answer p#la-body{margin-top:18px;opacity:.88}
.la-link{margin-top:auto;padding-top:30px;align-self:flex-start;color:var(--lamp-2);text-decoration:underline;text-underline-offset:5px}
.loans-answer.is-swap h3,.loans-answer.is-swap #la-body{animation:fadeUp .5s ease both}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* heroes */
.heroes{background:var(--sand-2);padding:clamp(90px,12vw,150px) var(--pad)}
.heroes-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(40px,6vw,100px);align-items:center}
.heroes-copy>p{margin-top:18px;max-width:520px}
.heroes-q{font-weight:600}
.heroes-who{display:flex;flex-direction:column;margin-top:14px;max-width:440px}
.heroes-who button{text-align:left;padding:13px 0;border-bottom:1px solid rgba(22,32,46,.2);font-size:18px;display:flex;justify-content:space-between;align-items:center}
.heroes-who button::after{content:"→";opacity:.4;transition:transform .25s,opacity .25s}
.heroes-who button:hover::after,.heroes-who button.is-on::after{opacity:1;transform:translateX(4px)}
.heroes-who button.is-on{font-weight:600}
.receipt{background:#fbf8f2;padding:34px 34px 28px;box-shadow:0 30px 60px -30px rgba(22,32,46,.35);transform:rotate(-1.2deg);position:relative;font-size:16px}
.receipt::after{content:"";position:absolute;left:0;right:0;bottom:-10px;height:10px;background:linear-gradient(-45deg,transparent 7px,#fbf8f2 0) 0 0/14px 10px,linear-gradient(45deg,transparent 7px,#fbf8f2 0) 0 0/14px 10px}
.receipt-head{font-family:var(--serif);font-size:24px;padding-bottom:16px;border-bottom:1px dashed rgba(22,32,46,.35)}
.receipt-head span{display:block;font-family:var(--sans);font-size:14px;color:var(--muted);margin-top:4px}
.receipt ul{list-style:none;margin:10px 0}
.receipt li{padding:12px 0;border-bottom:1px dashed rgba(22,32,46,.18);display:flex;justify-content:space-between}
.receipt li span{position:relative}
.receipt li span::after{content:"";position:absolute;left:-4px;right:-4px;top:55%;height:2px;background:#b3261e;transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.6,0,.2,1)}
.receipt li::after{content:"";font-weight:600;color:#b3261e;opacity:0;transition:opacity .4s}
.receipt.is-on li span::after{transform:scaleX(1)}
.receipt.is-on li::after{content:"may be waived";opacity:1}
.receipt.is-on li:nth-child(2) span::after{transition-delay:.15s}
.receipt.is-on li:nth-child(3) span::after{transition-delay:.3s}
.receipt.is-on li:nth-child(4) span::after{transition-delay:.45s}
.receipt-foot{font-family:var(--serif);font-size:20px;margin-top:16px}
.receipt-fine{font-size:13px;color:var(--muted);margin-top:10px}

/* vinny */
.vinny{background:var(--night);color:#fff;padding:clamp(90px,12vw,150px) var(--pad) 0;overflow:hidden}
.vinny-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(30px,6vw,90px);align-items:end}
.vinny-photo{position:relative;align-self:end}
.vinny-photo::before{content:"";position:absolute;left:50%;top:8%;width:120%;aspect-ratio:1;transform:translateX(-50%);background:radial-gradient(circle,rgba(242,180,90,.32),rgba(242,180,90,0) 62%);pointer-events:none}
.vinny-photo img{position:relative;width:100%;max-width:400px;height:auto;margin:0 auto}
.vinny-copy{padding-bottom:clamp(60px,9vw,120px)}
.vinny-copy p{margin-top:18px;opacity:.88;max-width:620px}
.vinny-card{margin-top:34px;border-top:1px solid rgba(255,255,255,.2)}
.vinny-card div{display:grid;grid-template-columns:90px 1fr;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.2);font-size:15px}
.vinny-card dt{color:var(--lamp)}

/* words */
.words{padding:clamp(90px,12vw,150px) var(--pad);background:var(--sand)}
.words-inner{max-width:980px;margin:0 auto}
.quote blockquote{font-family:var(--serif);font-size:clamp(26px,3.2vw,42px);line-height:1.25;transition:opacity .4s}
.quote blockquote::before{content:"“"}
.quote blockquote::after{content:"”"}
.quote figcaption{margin-top:24px;font-weight:600;transition:opacity .4s}
.quote.is-out blockquote,.quote.is-out figcaption{opacity:0}
.words-ctrl{display:flex;align-items:center;gap:18px;margin-top:36px;color:var(--muted)}
.words-ctrl button{width:46px;height:46px;border-radius:50%;border:1px solid rgba(22,32,46,.3);font-size:18px;color:var(--ink)}
.words-ctrl button:hover{background:var(--ink);color:var(--sand)}

/* close */
.close{position:relative;padding:clamp(110px,16vw,190px) var(--pad);background:radial-gradient(ellipse at 50% 0%,rgba(242,180,90,.28),transparent 55%),var(--night);color:#fff;text-align:center}
.close h2{font-size:clamp(36px,4.6vw,62px)}
.close-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:36px}

/* footer */
.foot{background:var(--sand);padding:60px var(--pad) 110px;font-size:14px;color:var(--muted)}
.foot img{width:200px;height:auto}
.foot-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:30px}
.foot a{text-decoration:none;color:var(--ink)}
.foot a:hover{text-decoration:underline}
.foot-legal{margin-top:34px;font-size:12.5px;max-width:900px}

/* desk (concierge) */
.desk-fab{position:fixed;right:20px;bottom:20px;z-index:50;display:flex;align-items:center;gap:10px;background:var(--night);color:#fff;padding:14px 20px;border-radius:999px;font-weight:600;font-size:15px;box-shadow:0 14px 34px -12px rgba(0,0,0,.5);transition:transform .25s}
.desk-fab:hover{transform:translateY(-2px)}
.desk-dot{width:9px;height:9px;border-radius:50%;background:var(--lamp);box-shadow:0 0 0 0 rgba(242,180,90,.6);animation:lamp 2.6s ease-out infinite}
@keyframes lamp{0%{box-shadow:0 0 0 0 rgba(242,180,90,.6)}100%{box-shadow:0 0 0 12px rgba(242,180,90,0)}}
.desk{position:fixed;right:20px;bottom:20px;z-index:60;width:min(400px,calc(100vw - 24px));height:min(620px,calc(100svh - 40px));background:#fbf8f2;color:var(--ink);border-radius:10px;display:flex;flex-direction:column;box-shadow:0 30px 80px -20px rgba(0,0,0,.5);overflow:hidden}
.desk[hidden]{display:none}
.desk-top{display:flex;justify-content:space-between;align-items:flex-start;padding:18px 20px;background:var(--night);color:#fff}
.desk-title{font-family:var(--serif);font-size:22px}
.desk-sub{font-size:13px;opacity:.8}
.desk-x{font-size:28px;line-height:1;color:#fff;padding:0 4px}
.desk-log{flex:1;overflow-y:auto;padding:18px 18px 6px;display:flex;flex-direction:column;gap:10px;overscroll-behavior:contain}
.msg{max-width:88%;padding:11px 14px;border-radius:12px;font-size:15px;line-height:1.5;white-space:pre-line}
.msg.bot{background:#ece4d6;align-self:flex-start;border-bottom-left-radius:3px}
.msg.me{background:var(--night);color:#fff;align-self:flex-end;border-bottom-right-radius:3px}
.msg a{color:var(--l1);font-weight:600}
.desk-choices{display:flex;flex-direction:column;gap:6px;padding:6px 18px 10px}
.desk-choices button,.desk-choices a{text-align:left;font-size:14.5px;padding:9px 12px;border:1px solid rgba(22,32,46,.22);border-radius:8px;text-decoration:none;color:var(--ink);background:#fff}
.desk-choices button:hover,.desk-choices a:hover{border-color:var(--ink)}
.desk-choices a.go{background:var(--lamp);border-color:var(--lamp);font-weight:600}
.desk-form{display:flex;border-top:1px solid rgba(22,32,46,.15)}
.desk-form input{flex:1;border:0;padding:16px 18px;font:inherit;font-size:16px;background:transparent;min-width:0}
.desk-form input:focus{outline:none}
.desk-form button{padding:0 18px;font-weight:600;color:var(--l1)}

/* responsive */
@media (max-width:900px){
  .nav-links{display:none}
  .nav-call{margin-left:auto}
  .loans-inner,.heroes-inner,.vinny-inner{grid-template-columns:1fr}
  .loans-answer{position:relative;top:0;min-height:0}
  .vinny-photo img{max-width:240px}
  .vinny-copy{padding-bottom:70px}
  .foot-cols{grid-template-columns:1fr}
}
@media (max-width:600px){
  body{font-size:16px}
  .nav{padding:14px 18px}
  .nav-brand span:last-child{font-size:15px}
  .nav-call{font-size:14px;padding:6px 12px}
  .hero-shade{background:linear-gradient(0deg,rgba(8,14,24,.85) 0%,rgba(8,14,24,.35) 55%,rgba(8,14,24,0) 75%)}
  .hero-copy{left:20px;right:20px;bottom:96px}
  .hero-sub{font-size:16px}
  .hero-hint{left:20px;right:auto;bottom:44px}
  .btn{min-height:48px;padding:0 20px;font-size:15px}
  .way-head{top:86px}
  .way-steps{bottom:90px;height:250px}
  .way-rail{right:16px;height:30vh}
  .receipt{padding:26px 22px 22px;transform:none}
  .desk{right:12px;bottom:12px}
  .desk-fab{right:14px;bottom:14px;padding:12px 16px}
}