/* Zero Point Loans - static rebuild 2026-08-30
   Palette and type sampled from the live Elementor site so the look carries over. */
:root{
  --red:#E26352; --yellow:#F5BF21; --green:#19AE6E; --blue:#1A90D0;
  --red-dk:#CD4E3D; --link:#046BD2;
  --ink:#111417; --ink-2:#4A5560; --ink-3:#8A939E;
  --line:#E2E6EA; --line-2:#CBD2D9; --bg:#FFFFFF; --bg-2:#F5F7F9;
  --wrap:1200px; --gut:clamp(16px,4vw,40px);
  --f:'Roboto','Helvetica Neue',Arial,system-ui,-apple-system,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--f);
  font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--link)}
h1,h2,h3,h4{margin:0;line-height:1.2;font-weight:600}
h1{font-size:clamp(1.8rem,3.4vw,2.4rem)}
h2{font-size:clamp(1.4rem,2.4vw,1.875rem)}
h3{font-size:1.15rem}
p{margin:0 0 1.05em}
p:last-child{margin-bottom:0}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:var(--gut);padding-right:var(--gut)}

/* ---------- header ---------- */
.topbar{position:sticky;top:0;z-index:60;background:#fff}
.topbar-in{max-width:1360px;margin:0 auto;padding:.9rem var(--gut);
  display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;margin-right:auto;text-decoration:none;padding:.2rem 0}
.brand img{width:160px;max-width:46vw;display:block;height:auto}
.nav{display:flex;align-items:center;gap:clamp(12px,2.2vw,30px);list-style:none;margin:0;padding:0;
  flex-wrap:wrap}
.nav > li{position:relative}
.nav a{color:#000;text-decoration:none;font-size:1rem;font-weight:400;
  padding:.45rem 0;display:inline-block;white-space:nowrap}
.nav a:hover{color:var(--blue)}
.nav a[aria-current]{color:var(--blue)}
.apply{background:var(--red);color:#fff !important;border-radius:3px;
  padding:.72rem 1.25rem !important;font-weight:500;font-size:.94rem}
.apply:hover{background:var(--red-dk);color:#fff !important}
/* dropdown */
.has-sub > button{background:none;border:0;font:inherit;color:#000;cursor:pointer;
  font-size:1rem;font-weight:400;padding:.45rem 0;display:inline-flex;align-items:center;gap:.34rem}
.has-sub > button:hover{color:var(--blue)}
.has-sub > button::after{content:"";border:4px solid transparent;border-top-color:currentColor;
  margin-top:4px}
.nav .sub{position:absolute;top:100%;left:-14px;min-width:200px;background:#fff;
  border:1px solid var(--line);border-radius:4px;box-shadow:0 10px 28px rgba(0,0,0,.12);
  list-style:none;margin:6px 0 0;padding:6px;display:none;z-index:70}
.nav .sub a{display:block;padding:.5rem .7rem;border-radius:3px;font-size:.95rem;white-space:nowrap;
  color:#000}
.nav .sub a:hover{background:var(--bg-2);color:var(--blue)}
.has-sub:hover .sub,.has-sub:focus-within .sub,.nav .sub.open{display:block}
/* mobile menu */
.menubtn{display:none;margin-left:auto;background:none;border:0;font:inherit;color:#000;
  cursor:pointer;align-items:center;gap:9px;font-size:.95rem;padding:.4rem 0}
.mb-ic{position:relative;display:block;width:21px;height:2px;background:#000;border-radius:2px}
.mb-ic::before,.mb-ic::after{content:"";position:absolute;left:0;width:21px;height:2px;
  background:#000;border-radius:2px}
.mb-ic::before{top:-7px} .mb-ic::after{top:7px}
@media (max-width:900px){
  .menubtn{display:inline-flex;position:relative}
  .topbar-in{flex-wrap:wrap}
  .nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;
    border-top:1px solid var(--line);margin-top:.7rem;padding-top:.3rem}
  .topbar.open .nav{display:flex}
  .nav > li{width:100%;border-bottom:1px solid var(--line)}
  .nav > li:last-child{border-bottom:0;padding:.7rem 0}
  .nav a{display:block;padding:.75rem 0;width:100%}
  .nav .sub{position:static;display:block;border:0;box-shadow:none;background:none;
    padding:0 0 .5rem 14px;margin:0}
  .nav .sub a{padding:.5rem 0}
  .has-sub > button{display:none}
  .apply{display:inline-block;width:auto}
}

/* ---------- hero photo + overlapping tiles ---------- */
.hero{padding:0;background:#fff}
.hero-photo{max-width:1280px;margin:0 auto;padding:0 var(--gut)}
.hero-photo img{display:block;width:100%;
  height:clamp(230px,41.8vw,600px);           /* cover, never stretched */
  object-fit:cover;object-position:50% 28%;background:var(--bg-2)}
.tilewrap{max-width:1000px;margin:-175px auto 0;padding:0 var(--gut);position:relative;z-index:2}
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:11px}
.tile{min-height:305px;display:flex;flex-direction:column;align-items:center;text-align:center;
  justify-content:flex-end;padding:26px 14px 26px;text-decoration:none;color:#fff;
  transition:filter .16s,transform .16s}
.tile:hover{filter:brightness(1.06);transform:translateY(-2px)}
.tile.b{background:var(--red)} .tile.i{background:var(--yellow)}
.tile.l{background:var(--green)} .tile.r{background:var(--blue)}
.tile .ic{display:block;height:78px;width:auto;margin:4px auto auto;object-fit:contain;
  filter:brightness(0) invert(1)}
.tile strong{display:block;font-size:1.5rem;font-weight:600;text-transform:uppercase;
  text-decoration:underline;text-underline-offset:4px;margin:1rem 0 .4rem;color:#fff}
.tile span{font-size:.95rem;line-height:1.35;color:#fff}
@media (max-width:900px){
  .tilewrap{margin-top:-90px;max-width:640px}
  .tiles{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tile{min-height:250px}
  .tile .ic{height:60px}
  .tile strong{font-size:1.25rem}
}
@media (max-width:520px){
  .tilewrap{margin-top:-40px;max-width:340px}
  .tiles{grid-template-columns:1fr}
}

/* ---------- full-width blue statement band ---------- */
.band{background:var(--blue);color:#fff;text-align:center;
  padding:clamp(30px,4vw,50px) 0;margin-top:clamp(40px,5vw,66px)}
.band p{max-width:1240px;margin:0 auto;padding:0 var(--gut);
  font-size:clamp(1.1rem,1.9vw,1.5625rem);font-weight:500;line-height:1.25;color:#fff}
.band + .foot{margin-top:0}

/* ---------- generic sections ---------- */
.section{padding:clamp(40px,5.5vw,70px) 0}
.section.alt{background:var(--bg-2);border-block:1px solid var(--line)}
.sec-head{max-width:62ch;margin-bottom:clamp(20px,3vw,34px)}
.sec-head h2{margin-bottom:.5rem}
.sec-head p{color:var(--ink-2)}

/* ---------- interior page banner (one colour per section, as on the original) ---------- */
.pband{min-height:200px;display:flex;align-items:center;justify-content:center;
  padding:26px var(--gut)}
.pband.b{background:var(--red)} .pband.i{background:var(--yellow)}
.pband.l{background:var(--green)} .pband.r{background:var(--blue)}
.pband-in{display:flex;align-items:center;gap:clamp(14px,2.4vw,30px);flex-wrap:wrap;
  justify-content:center}
.pband .bic{height:129px;width:auto;filter:brightness(0) invert(1)}
.pband h1{color:#fff;font-size:clamp(1.7rem,3.6vw,2.5rem);font-weight:600;line-height:1.15;
  text-align:center}
.bandsub{max-width:var(--wrap);margin:clamp(28px,4vw,44px) auto -1rem;
  padding:0 var(--gut);color:var(--ink-2);font-size:1.15rem;text-align:center}
@media (max-width:560px){.pband .bic{height:88px}}

/* About Us photo banner. The original wraps the photo in a flat 50% red wash, which reads
   milky; a light top-weighted gradient keeps the brand colour without the haze. The crop is
   framed on the desk and the model house rather than the empty right-hand side. */
.photoband{position:relative;min-height:clamp(180px,28vw,407px);
  background-size:cover;background-position:35% 62%;background-repeat:no-repeat;
  filter:saturate(1.08) contrast(1.06)}
.photoband .tint{position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(226,99,82,.26),rgba(226,99,82,.06))}

/* ---------- About Us: portrait beside the bio ---------- */
.bio{display:grid;grid-template-columns:275px minmax(0,1fr);
  gap:clamp(26px,4vw,56px);align-items:start}
.portrait{width:275px;height:auto;display:block;border-radius:6px;
  box-shadow:0 6px 22px rgba(17,20,23,.14);
  /* The source artwork is a pale pink/mauve pop-art card. This warms it toward the brand
     red and lifts the contrast so it reads as a deliberate illustration, not a faded photo. */
  filter:hue-rotate(40deg) saturate(1.15) contrast(1.12)}
.bio-text p{font-size:1.125rem;font-style:italic;text-align:justify;color:#7A7A7A;
  line-height:1.7}
.bio-text .nmls-line{font-style:normal;text-align:left;color:var(--ink);font-weight:600;
  font-size:1rem;margin-top:1.4rem}
@media (max-width:760px){
  .bio{grid-template-columns:1fr;justify-items:center}
  .bio-text p{text-align:left}
}

/* Investor deal photos */
.dealshot{display:block;width:100%;max-width:440px;height:auto;border-radius:4px;
  margin:0 0 1.1rem}

/* ---------- prose ---------- */
.prose{max-width:72ch}
.prose h2{margin:2rem 0 .7rem;font-size:1.4rem}
.prose h2:first-child{margin-top:0}
.prose h3{margin:1.5rem 0 .5rem;color:var(--ink)}
.prose p{color:var(--ink-2)}
.prose strong{color:var(--ink)}
.prose ul{color:var(--ink-2);padding-left:1.2rem}
.prose li{margin-bottom:.4rem}
.note{background:var(--bg-2);border-left:4px solid var(--yellow);padding:1rem 1.2rem;
  border-radius:0 4px 4px 0;font-size:.95rem}

/* ---------- cards ---------- */
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));
  gap:clamp(22px,3vw,40px);align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:4px;
  padding:clamp(20px,2.6vw,30px)}
.section.alt .card{background:#fff}
.card h3{margin-bottom:.6rem}
.card p{color:var(--ink-2);font-size:.95rem}

/* deal list */
.deals{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.8rem}
.deals li{border-left:3px solid var(--green);padding:.55rem 0 .55rem .9rem;color:var(--ink-2);
  font-size:.95rem}
.deals li b{display:block;color:var(--ink);font-size:.72rem;letter-spacing:.14em;
  text-transform:uppercase;margin-bottom:.2rem;font-weight:700}

/* contact blocks */
.cinfo{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:20px;
  margin-bottom:clamp(22px,3vw,36px)}
.cinfo div{border-top:3px solid var(--line-2);padding-top:.9rem}
.cinfo b{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--ink-3);margin-bottom:.35rem}
.cinfo a{color:var(--ink);text-decoration:none;font-weight:600}
.cinfo a:hover{color:var(--blue)}

/* ---------- forms ---------- */
.form{background:#fff;border:1px solid var(--line);border-radius:4px;
  padding:clamp(20px,2.8vw,32px);display:flex;flex-direction:column;gap:.9rem}
.section.alt .form{background:#fff}
.field{display:flex;flex-direction:column;gap:.3rem}
.field label{font-size:.76rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  color:var(--ink-2)}
.field .opt{font-weight:500;color:var(--ink-3);letter-spacing:.04em}
.field input,.field select,.field textarea{font:inherit;font-size:.95rem;color:var(--ink);
  background:#fff;border:1px solid var(--line-2);border-radius:3px;padding:.62rem .72rem;width:100%}
.field textarea{resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:none;
  box-shadow:0 0 0 3px rgba(26,144,208,.18)}
.form button{align-self:flex-start;background:var(--red);color:#fff;border:0;border-radius:3px;
  font:inherit;font-weight:500;font-size:.98rem;padding:.8rem 1.7rem;cursor:pointer}
.form button:hover{background:var(--red-dk)}
.fine{font-size:.8rem;color:var(--ink-3);line-height:1.5}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.formerr{margin:0;padding:.75rem .95rem;border-radius:3px;font-size:.9rem;
  background:#FDECEA;border-left:4px solid var(--red);color:#8A2B1E}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
@media (max-width:560px){.two-col{grid-template-columns:1fr}}

/* button used inline in prose */
.btn{display:inline-block;background:var(--red);color:#fff !important;text-decoration:none;
  font-weight:500;padding:.8rem 1.6rem;border-radius:3px}
.btn:hover{background:var(--red-dk)}

/* ---------- footer (black, 3 columns, blue links) ---------- */
.foot{background:#000;color:#fff;padding:clamp(38px,5vw,56px) 0 0}
.foot a{color:var(--link);text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot-in{max-width:1300px;margin:0 auto;padding:0 var(--gut);
  display:grid;grid-template-columns:minmax(0,45fr) minmax(0,23fr) minmax(0,32fr);
  gap:clamp(24px,3.4vw,50px)}
.foot h4{color:#fff;font-size:clamp(1.3rem,2.1vw,1.875rem);font-weight:600;
  margin:0 0 .9rem;letter-spacing:0;text-transform:none}
.foot p{font-size:1rem;line-height:1.6;margin-bottom:.9rem;color:#fff}
.foot ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.5rem}
.foot li{font-size:1rem;color:#fff}
.foot .ehl{margin-top:1.2rem;width:170px;display:block}
.foot-legal{max-width:1300px;margin:clamp(26px,4vw,42px) auto 0;
  padding:1.3rem var(--gut) 2.2rem;border-top:1px solid #262626}
.foot-legal p{font-size:.8rem;color:#9AA3AC;line-height:1.6;margin:0 0 .6rem}
.nmls{font-size:1rem;color:#fff}
.nmls b{color:#fff;font-weight:700}
@media (max-width:860px){.foot-in{grid-template-columns:1fr}}