/* ============================================================
   Ridgeline Capital Group / ridgelinecapital.ai
   Brand: Burford (display) + Panton (text) per brand kit.
   Web substitutes: Bitter (display) + Montserrat (text).
   Palette: oxblood #640604 primary, tan #DDC199 accent.
   NOTE: brand green #0A3432 intentionally NOT used.
   ============================================================ */

:root{
  --ink:#12100F;
  --ink-2:#1D1A18;
  --ink-3:#2B2724;
  --red:#640604;
  --red-hi:#8A1512;
  --red-deep:#4A0403;
  --tan:#DDC199;
  --tan-hi:#EFE0C6;
  --gray:#494949;
  --gray-2:#6B6663;
  --line:#E3DED7;
  --paper:#FBF9F6;
  --paper-2:#F3EFE9;
  --white:#fff;

  --wrap:1180px;
  --pad:clamp(20px,5vw,48px);
  --r:4px;

  --font-display:"Bitter",Georgia,"Times New Roman",serif;
  --font-text:"Montserrat","Helvetica Neue",Arial,sans-serif;

  --shadow:0 1px 2px rgba(18,16,15,.06),0 8px 24px rgba(18,16,15,.06);
  --shadow-lg:0 2px 4px rgba(18,16,15,.08),0 20px 48px rgba(18,16,15,.12);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--font-text);font-size:17px;line-height:1.65;
  font-weight:400;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}

h1,h2,h3,h4{font-family:var(--font-display);font-weight:800;line-height:1.1;margin:0;letter-spacing:-.015em}
h1{font-size:clamp(2.3rem,5.6vw,4.05rem)}
h2{font-size:clamp(1.85rem,3.6vw,2.85rem)}
h3{font-size:1.2rem;letter-spacing:-.005em}
p{margin:0 0 1.05em}
p:last-child{margin-bottom:0}

.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:var(--pad)}
.eyebrow{
  font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;
  color:var(--red);margin:0 0 14px;font-family:var(--font-text);
}
.eyebrow--light{color:var(--tan)}
.lede{font-size:clamp(1.02rem,1.5vw,1.16rem);color:var(--gray);max-width:62ch}
.section{padding:clamp(64px,8vw,110px) 0}
.section--paper2{background:var(--paper-2)}
.rule{width:56px;height:3px;background:var(--red);border:0;margin:0 0 26px}
.rule--tan{background:var(--tan)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55em;
  font-family:var(--font-text);font-size:.9rem;font-weight:700;
  letter-spacing:.08em;text-transform:uppercase;
  padding:15px 30px;border:2px solid transparent;border-radius:var(--r);
  cursor:pointer;transition:background .18s,color .18s,border-color .18s,transform .18s;
  text-decoration:none;text-align:center;
}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn--primary{background:var(--red);color:#fff;border-color:var(--red)}
.btn--primary:hover{background:var(--red-hi);border-color:var(--red-hi);color:#fff}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn--ghost:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff}
.btn--dark{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn--dark:hover{background:var(--ink-3);border-color:var(--ink-3);color:#fff}
.btn--tan{background:var(--tan);color:var(--ink);border-color:var(--tan)}
.btn--tan:hover{background:var(--tan-hi);border-color:var(--tan-hi);color:var(--ink)}
.btn--lg{padding:18px 40px;font-size:.95rem}
.btn--block{width:100%}

/* ---------- header ---------- */
.hdr{
  position:fixed;inset:0 0 auto 0;z-index:60;
  background:transparent;transition:background .25s,box-shadow .25s,border-color .25s;
  border-bottom:1px solid transparent;
}
.hdr__in{display:flex;align-items:center;gap:24px;height:76px;max-width:var(--wrap);margin:0 auto;padding-inline:var(--pad)}
.hdr__logo{display:flex;align-items:center;flex:0 0 auto}
.hdr__logo img{height:42px;width:auto}
.hdr__nav{margin-left:auto;display:flex;align-items:center;gap:30px}
.hdr__nav a{
  font-size:.78rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;
  color:rgba(255,255,255,.86);text-decoration:none;padding:6px 0;
  border-bottom:2px solid transparent;transition:color .18s,border-color .18s;
}
.hdr__nav a:hover{color:#fff;border-bottom-color:var(--tan);text-decoration:none}
.hdr__nav .btn{padding:12px 24px;font-size:.78rem;letter-spacing:.1em}

/* scrolled / solid state */
.hdr.is-solid{background:var(--ink);box-shadow:0 2px 20px rgba(0,0,0,.22)}
.hdr--solid{background:var(--ink)}

.navtoggle{
  display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.4);
  border-radius:var(--r);width:44px;height:40px;cursor:pointer;padding:0;
  align-items:center;justify-content:center;
}
.navtoggle span,.navtoggle span::before,.navtoggle span::after{
  content:"";display:block;width:18px;height:2px;background:#fff;transition:transform .2s,opacity .2s;
}
.navtoggle span::before{position:relative;top:-6px}
.navtoggle span::after{position:relative;top:4px}
.navtoggle[aria-expanded="true"] span{background:transparent}
.navtoggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.navtoggle[aria-expanded="true"] span::after{transform:translateY(-4px) rotate(-45deg)}

/* ---------- hero ---------- */
.hero{position:relative;min-height:min(94vh,860px);display:flex;align-items:flex-end;overflow:hidden;background:var(--ink)}
.hero__art{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero__art svg{width:100%;height:100%;display:block}
.hero__art img{width:100%;height:100%;object-fit:cover;object-position:center 42%}
.hero__scrim{
  position:absolute;inset:0;
  background:
    linear-gradient(180deg,rgba(10,8,8,.64) 0%,rgba(10,8,8,0) 26%,rgba(10,8,8,0) 48%,rgba(10,8,8,.72) 82%,rgba(10,8,8,.92) 100%),
    linear-gradient(100deg,rgba(74,4,3,.84) 0%,rgba(74,4,3,.5) 32%,rgba(24,12,10,.2) 60%,rgba(12,9,8,.5) 100%);
}
.hero__in{position:relative;z-index:2;width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--pad) clamp(56px,8vw,96px)}
.hero h1{color:#fff;max-width:16ch;text-wrap:balance}
.hero h1 em{font-style:normal;color:var(--tan)}
.hero__sub{color:rgba(255,255,255,.86);font-size:clamp(1.02rem,1.6vw,1.2rem);max-width:60ch;margin:22px 0 34px}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px}
.hero__stats{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px 32px;
  margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.18);max-width:900px;
}
.hero__stat{padding:8px 0}
.hero__stat b{
  display:block;font-family:var(--font-display);font-size:clamp(1.25rem,1.9vw,1.5rem);color:var(--tan);
  font-weight:800;line-height:1.1;
}
.hero__stat span{font-size:.73rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.62)}

/* ---------- loan types ---------- */
.loans{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:44px}
.loan--wide{grid-column:1/-1}
.loan{
  background:var(--white);padding:32px 28px 30px;display:flex;flex-direction:column;
  transition:transform .18s,box-shadow .18s;position:relative;
  text-decoration:none;color:inherit;
}
.loan::before{
  content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--red);
  transform:scaleX(0);transform-origin:left;transition:transform .22s ease;
}
.loan:hover,.loan:focus-visible{
  transform:translateY(-3px);box-shadow:var(--shadow-lg);z-index:2;text-decoration:none;
}
.loan:hover::before,.loan:focus-visible::before{transform:scaleX(1)}
.loan:focus-visible{outline:2px solid var(--red);outline-offset:2px}
.loan__ico{width:34px;height:34px;color:var(--red);margin-bottom:18px}
.loan__ico svg{width:100%;height:100%;display:block}
.loan h3{margin-bottom:9px}
.loan p{font-size:.94rem;color:var(--gray);margin-bottom:18px}
.loan__foot{
  display:block;position:relative;margin-top:auto;padding-top:16px;
  border-top:1px solid var(--line);min-height:46px;
}
.loan__meta,.loan__apply{
  position:absolute;left:0;right:0;top:16px;
  font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;
  transition:opacity .2s ease,transform .2s ease;
}
.loan__meta{color:var(--gray-2)}
.loan__meta b{color:var(--ink);font-weight:700}
.loan__apply{
  color:var(--red);font-weight:700;opacity:0;transform:translateY(7px);
  display:flex;align-items:center;gap:.6em;
}
.loan__apply svg{width:20px;height:12px;flex:0 0 auto;transition:transform .2s ease}
.loan:hover .loan__meta,.loan:focus-visible .loan__meta{opacity:0;transform:translateY(-7px)}
.loan:hover .loan__apply,.loan:focus-visible .loan__apply{opacity:1;transform:none}
.loan:hover .loan__apply svg{transform:translateX(4px)}

/* touch devices get no hover, so keep the deal details visible */
@media (hover:none){
  .loan__meta{opacity:1;transform:none}
  .loan__apply{opacity:0}
}

/* ---------- both sides ---------- */
.sides{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);background:var(--white);margin-top:46px}
.side{padding:38px 34px}
.side+.side{border-left:1px solid var(--line)}
.side__tag{
  display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  padding:5px 11px;border-radius:2px;margin-bottom:16px;
}
.side--lend .side__tag{background:var(--red);color:#fff}
.side--invest .side__tag{background:var(--tan);color:var(--ink)}
.side h3{margin-bottom:12px;font-size:1.32rem}
.side p{font-size:.96rem;color:var(--gray)}
.side ul{margin:14px 0 0;padding:0;list-style:none}
.side li{font-size:.94rem;color:var(--gray);padding-left:22px;position:relative;margin-bottom:9px}
.side li::before{
  content:"";position:absolute;left:0;top:.62em;width:9px;height:9px;
  border-left:2px solid var(--red);border-bottom:2px solid var(--red);transform:rotate(-45deg) translateY(-2px);
}
.side--invest li::before{border-color:#A8873F}

.ridgefig{margin:52px auto 0;max-width:760px}
.ridgefig svg{width:100%;height:auto;display:block}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:30px;margin-top:46px;counter-reset:s}
.step{position:relative;padding-top:22px;border-top:3px solid var(--red);counter-increment:s}
.step::before{
  content:"0" counter(s);font-family:var(--font-display);font-weight:800;font-size:.9rem;
  color:var(--red);letter-spacing:.08em;display:block;margin-bottom:9px;
}
.step h3{margin-bottom:8px;font-size:1.12rem}
.step p{font-size:.94rem;color:var(--gray)}

/* ---------- faq ---------- */
.faq{margin-top:42px;border-top:1px solid var(--line);max-width:900px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:22px 46px 22px 0;position:relative;
  font-family:var(--font-display);font-weight:700;font-size:1.06rem;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--red)}
.faq summary::after{
  content:"";position:absolute;right:8px;top:50%;width:11px;height:11px;
  border-right:2px solid var(--red);border-bottom:2px solid var(--red);
  transform:translateY(-70%) rotate(45deg);transition:transform .2s;
}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq__a{padding:0 40px 24px 0;color:var(--gray);font-size:.97rem}

/* ---------- cta band ---------- */
.band{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.band__art{position:absolute;inset:auto 0 0 0;height:58%;opacity:.4}
.band__art svg{width:100%;height:100%;display:block}
.band .wrap{position:relative;z-index:2;padding-block:clamp(60px,7vw,92px);text-align:center}
.band h2{color:#fff;max-width:20ch;margin:0 auto 16px;text-wrap:balance}
.band p{color:rgba(255,255,255,.78);max-width:56ch;margin:0 auto 30px}
.band__cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- footer ---------- */
.ftr{background:var(--ink-2);color:rgba(255,255,255,.66);font-size:.9rem;padding:60px 0 34px}
.ftr__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:44px}
.ftr img{height:46px;width:auto;margin-bottom:18px}
.ftr h4{
  font-family:var(--font-text);font-size:.72rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--tan);margin:0 0 16px;
}
.ftr a{color:rgba(255,255,255,.78);text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr ul{list-style:none;margin:0;padding:0}
.ftr li{margin-bottom:10px}
.ftr__legal{
  margin-top:46px;padding-top:26px;border-top:1px solid rgba(255,255,255,.12);
  font-size:.78rem;line-height:1.7;color:rgba(255,255,255,.5);
}
.ftr__legal p{margin-bottom:.85em}
.ftr__bottom{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:22px;font-size:.78rem}

/* ---------- apply page ---------- */
.pagehead{background:var(--ink);color:#fff;padding:140px 0 clamp(52px,7vw,78px);position:relative;overflow:hidden}
.pagehead__art{position:absolute;inset:auto 0 0 0;height:70%;opacity:.42}
.pagehead__art svg{width:100%;height:100%;display:block}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);max-width:20ch}
.pagehead p{color:rgba(255,255,255,.8);max-width:60ch;margin-top:16px}

.formwrap{max-width:820px;margin:0 auto}
.fieldset{border:0;padding:0;margin:0 0 42px}
.fieldset__legend{
  display:block;width:100%;font-family:var(--font-display);font-weight:800;font-size:1.18rem;
  padding-bottom:12px;margin-bottom:24px;border-bottom:2px solid var(--red);color:var(--ink);
}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px 24px}
.field{display:flex;flex-direction:column;margin-bottom:20px}
.field--full{grid-column:1/-1}
.field label{
  font-size:.76rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gray);margin-bottom:8px;
}
.field label .req{color:var(--red)}
.field input,.field select,.field textarea{
  font-family:var(--font-text);font-size:1rem;color:var(--ink);
  padding:13px 14px;border:1px solid #CFC8BF;border-radius:var(--r);background:#fff;
  transition:border-color .16s,box-shadow .16s;width:100%;
}
.field textarea{min-height:118px;resize:vertical}
.field select{appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' fill='none' stroke='%23640604' stroke-width='2'/></svg>");background-repeat:no-repeat;background-position:right 14px center;background-size:12px;padding-right:38px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(100,6,4,.12);
}
.field__hint{font-size:.8rem;color:var(--gray-2);margin-top:7px}
.formnote{
  background:var(--paper-2);border-left:3px solid var(--tan);padding:18px 20px;
  font-size:.87rem;color:var(--gray);margin-bottom:36px;
}
.formfoot{border-top:1px solid var(--line);padding-top:28px;margin-top:8px}
.formfoot .btn{margin-bottom:16px}
.formfoot small{display:block;font-size:.8rem;color:var(--gray-2);line-height:1.6}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.sidecall{
  background:var(--white);border:1px solid var(--line);padding:26px 28px;margin-top:44px;
  display:flex;gap:24px;align-items:center;flex-wrap:wrap;justify-content:space-between;
}
.sidecall p{margin:0;font-size:.95rem;color:var(--gray)}
.sidecall strong{color:var(--ink);display:block;font-family:var(--font-display);font-size:1.05rem;margin-bottom:4px}

/* ---------- legal page ---------- */
.legal{max-width:800px}
.legal h2{font-size:1.4rem;margin:38px 0 12px}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{color:var(--gray);font-size:.98rem}
.legal ul{padding-left:22px}
.legal li{margin-bottom:8px}

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .loans{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  .ftr__grid{grid-template-columns:1fr 1fr}
  .sides{grid-template-columns:1fr}
  .side+.side{border-left:0;border-top:1px solid var(--line)}
}
@media (max-width:620px){
  .loans{grid-template-columns:1fr}
}
@media (max-width:760px){
  .navtoggle{display:flex}
  .hdr__nav{
    position:absolute;top:76px;left:0;right:0;background:var(--ink);
    flex-direction:column;align-items:stretch;gap:0;padding:8px var(--pad) 22px;
    display:none;border-top:1px solid rgba(255,255,255,.12);
  }
  .hdr__nav.is-open{display:flex}
  .hdr__nav a{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .hdr__nav .btn{margin-top:16px;padding:14px 24px}
  .hdr.is-open{background:var(--ink)}
  .grid2{grid-template-columns:1fr}
  .ftr__grid{grid-template-columns:1fr;gap:34px}
  .hero__stats{gap:0 28px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important;animation-duration:.01ms!important}
}