:root{
    --radius: 2px;
    --serif: 'Poppins', -apple-system, sans-serif;
    --sans: 'IBM Plex Sans', -apple-system, sans-serif;
    --mono: 'IBM Plex Mono', monospace;
  }

  /* NAVY / GOLD THEME — matched to final logo */
  [data-theme="black"]{
    --bg: #FFFFFF;
    --surface: #F5F7FA;
    --surface-2: #ECEFF5;
    --line: #DBE0E9;
    --accent: #BF9658;
    --accent-light: #A87B3D;
    --accent-dim: #8C6B34;
    --text: #0B1C3A;
    --muted: #5B6478;
    --success: #3E7A6B;
  }


  *{margin:0;padding:0;box-sizing:border-box;}
  body{
    background:var(--bg);
    color:var(--text);
    font-family:var(--sans);
    -webkit-font-smoothing:antialiased;
    transition:background .4s ease, color .4s ease;
  }
  a{color:inherit;text-decoration:none;}


  /* ---------- NAV ---------- */
  header{
    display:flex;align-items:center;justify-content:space-between;
    padding:26px 48px; border-bottom:1px solid var(--line);
    position:sticky; top:0; z-index:100; background:var(--bg);
  }
  .wordmark{
    font-family:var(--serif); font-size:20px; font-weight:500; letter-spacing:.01em;
  }
  .wordmark span{color:var(--accent);}
  .wordmark img{display:block; height:34px; width:auto;}
  .foot-grid .wordmark img{height:30px;}
  nav{display:flex;gap:36px;align-items:center;}
  nav a{
    font-size:13px; letter-spacing:.04em; color:var(--muted);
    padding-bottom:4px; border-bottom:1px solid transparent; cursor:pointer;
    transition:color .2s, border-color .2s;
  }
  nav a:hover, nav a.active{color:var(--text); border-color:var(--accent);}
  .nav-cta{
    font-size:13px; padding:10px 20px; border:1px solid var(--accent);
    color:var(--accent); letter-spacing:.03em; cursor:pointer; transition:all .2s;
  }
  .nav-cta:hover{background:var(--accent); color:var(--bg);}

  main{max-width:1180px;margin:0 auto;padding:0 48px;}

  .eyebrow{
    font-family:var(--mono); font-size:11px; letter-spacing:.14em; text-transform:uppercase;
    color:var(--accent); margin-bottom:18px; display:flex; align-items:center; gap:10px;
  }
  .eyebrow::before{content:'';width:22px;height:1px;background:var(--accent);}

  h1{font-family:var(--serif); font-weight:600; line-height:1.05; letter-spacing:-.01em;}
  h2{font-family:var(--serif); font-weight:600; line-height:1.15;}
  p.lede{color:var(--muted); font-size:17px; line-height:1.65; max-width:520px;}

  /* ---------- LANDING ---------- */
  .hero{display:grid; grid-template-columns:1.05fr .95fr; gap:60px; padding:80px 0 100px; align-items:center;}
  .hero h1{font-size:46px; margin-bottom:20px;}
  .hero-actions{display:flex; gap:16px; margin-top:36px;}
  .btn-primary{
    background:var(--accent); color:var(--bg); font-weight:600; font-size:14px;
    padding:15px 28px; letter-spacing:.02em; cursor:pointer; border:1px solid var(--accent);
    transition:all .2s;
  }
  .btn-primary:hover{background:var(--accent-light); border-color:var(--accent-light);}
  .btn-ghost{
    color:var(--text); font-size:14px; padding:15px 24px; border:1px solid var(--line);
    cursor:pointer; transition:all .2s;
  }
  .btn-ghost:hover{border-color:var(--accent);}

  .hero-tagline{font-family:var(--serif); font-size:22px; font-weight:500; color:var(--accent-light); margin-bottom:18px; line-height:1.3;}

  /* office photo slot — swap the placeholder div for <img src="your-photo.jpg" alt="Our office"> */
  .photo-slot{
    position:relative; aspect-ratio:4/3; background:var(--surface); border:1px solid var(--line);
    display:flex; flex-direction:column; align-items:center; justify-content:center; gap:14px; overflow:hidden;
    background-image:repeating-linear-gradient(135deg, transparent 0 18px, rgba(191,150,88,.07) 18px 19px);
  }
  .photo-slot img{position:absolute; inset:0; width:100%; height:100%; object-fit:cover;}
  .photo-slot svg{width:54px; height:54px; stroke:var(--accent); fill:none; stroke-width:1.4;}
  .photo-slot .ph-cap{font-family:var(--mono); font-size:11px; letter-spacing:.08em; color:var(--muted); text-transform:uppercase;}

  .strip{
    display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line); border-bottom:1px solid var(--line);
    margin:0 0 100px;
  }
  .strip .item{padding:28px 16px 28px 0; border-right:1px solid var(--line);}
  .strip .item + .item{padding-left:24px;}
  .strip .item:last-of-type{border-right:none;}
  .strip .num{font-family:var(--serif); font-size:34px; color:var(--accent-light); line-height:1.1;}
  .strip .lbl{font-size:12.5px; color:var(--muted); margin-top:8px; line-height:1.5;}
  .strip .note{grid-column:1 / -1; border-top:1px solid var(--line); padding:16px 0; font-size:13px; color:var(--muted);}
  .strip .note b{color:var(--text); font-weight:600;}

  .lending{display:grid; grid-template-columns:repeat(4,1fr); border:1px solid var(--line); margin-bottom:24px;}
  .lending .cat{border-right:1px solid var(--line); min-width:0;}
  .lending .cat:last-child{border-right:none;}
  .lending .cat-head{background:var(--text); color:#FFFFFF; padding:20px 22px;}
  .lending .cat-head h3{font-family:var(--serif); font-size:19px; font-weight:600; color:#FFFFFF;}
  .lending .cat-head span{display:block; font-family:var(--mono); font-size:10.5px; letter-spacing:.06em; color:var(--accent); margin-top:6px; text-transform:uppercase;}
  .lending ul{list-style:none; padding:8px 22px 18px;}
  .lending li{font-size:13.5px; line-height:1.4; padding:9px 0; border-bottom:1px solid var(--line); color:var(--text);}
  .lending li:last-child{border-bottom:none;}
  .lending-note{font-size:13px; color:var(--muted); margin-bottom:110px; max-width:640px; line-height:1.6;}

  .cta-band{
    background:var(--surface); border:1px solid var(--line); padding:56px 60px;
    display:flex; justify-content:space-between; align-items:center; margin-bottom:100px; gap:30px;
  }
  .cta-band h2{font-size:28px; max-width:560px;}

  footer{border-top:1px solid var(--line); padding:40px 48px 60px; }
  .foot-grid{max-width:1180px;margin:0 auto; display:flex; justify-content:space-between; align-items:flex-end; flex-wrap:wrap; gap:20px;}
  .foot-grid .wordmark{margin-bottom:10px;}
  .foot-grid p{font-size:12px; color:var(--muted); max-width:560px; line-height:1.7;}
  .foot-logos{display:flex; align-items:center; gap:28px; margin-top:22px;}
  .foot-logos a{display:block; line-height:0; transition:opacity .2s;}
  .foot-logos a:hover{opacity:.75;}
  .foot-logos img{display:block; height:44px; width:auto;}
  .foot-links{display:flex; gap:30px; font-size:12.5px; color:var(--muted);}
  .foot-links a:hover{color:var(--accent);}

  /* ---------- ABOUT ---------- */
  .about-hero{padding:80px 0 60px; max-width:640px;}
  .about-hero h1{font-size:44px; margin-bottom:20px;}
  .values{display:grid; grid-template-columns:repeat(2,1fr); gap:40px; padding:40px 0 90px;}
  .value-row{display:flex; gap:20px; padding:24px 0; border-top:1px solid var(--line);}
  .value-row .mk{font-family:var(--mono); color:var(--accent); font-size:13px; padding-top:3px;}
  .value-row h4{font-family:var(--serif); font-size:18px; font-weight:500; margin-bottom:8px;}
  .value-row p{font-size:13.5px; color:var(--muted); line-height:1.6;}

  .team{padding:0 0 100px;}
  .team h2{font-size:28px; margin-bottom:12px;}
  .team > .lede{margin-bottom:40px;}

  /* Team profiles. Text only for now.
     TO ADD PHOTOS LATER: add class "has-photo" to the .member and uncomment its <div class="member-photo"> block.
     Photos should be square (about 800x800px). Layout: photo left, bio right; stacks on mobile. */
  .member{display:grid; grid-template-columns:1fr; gap:36px; padding:44px 0; border-top:1px solid var(--line);}
  .member:last-child{border-bottom:1px solid var(--line);}
  .member.has-photo{grid-template-columns:260px 1fr;}
  .member-photo{aspect-ratio:1; background:var(--surface); border:1px solid var(--line); overflow:hidden;}
  .member-photo img{width:100%; height:100%; object-fit:cover; display:block;}
  .member-head{margin-bottom:18px;}
  .member-head .nm{font-family:var(--serif); font-size:26px; font-weight:600; line-height:1.2;}
  .member-head .rl{font-family:var(--mono); font-size:11px; letter-spacing:.1em; text-transform:uppercase; color:var(--accent-light); margin-top:8px;}
  .member-body{max-width:720px;}
  .member-body p{font-size:15px; line-height:1.75; color:var(--text); margin-bottom:16px;}
  .member-meta{display:flex; flex-wrap:wrap; gap:8px 28px; margin-top:22px; padding-top:18px; border-top:1px solid var(--line); font-size:13px; color:var(--muted);}
  .member-meta a{color:var(--text); border-bottom:1px solid var(--accent);}
  .member-meta a:hover{color:var(--accent-light);}

  /* ---------- CONTACT ---------- */
  .contact-wrap{display:grid; grid-template-columns:1fr 1fr; gap:80px; padding:80px 0 100px;}
  .contact-info h1{font-size:40px; margin-bottom:22px;}
  .info-row{display:flex; gap:16px; padding:18px 0; border-top:1px solid var(--line);}
  .info-row:last-child{border-bottom:1px solid var(--line);}
  .info-row .lbl{font-family:var(--mono); font-size:11px; color:var(--muted); letter-spacing:.05em; width:110px; padding-top:2px;}
  .info-row .val{font-size:14.5px;}
  .field{margin-bottom:22px;}
  .field label{display:block; font-family:var(--mono); font-size:11px; letter-spacing:.05em; color:var(--muted); margin-bottom:8px;}
  .field input, .field textarea, .field select{
    width:100%; background:var(--surface); border:1px solid var(--line); color:var(--text);
    padding:13px 14px; font-family:var(--sans); font-size:14px; outline:none; transition:border-color .2s;
  }
  .field input:focus, .field textarea:focus, .field select:focus{border-color:var(--accent);}
  .field textarea{resize:vertical; min-height:100px;}
  button.btn-primary{font-family:var(--sans);}
  button.btn-primary:disabled{opacity:.6; cursor:wait;}
  .field-row{display:grid; grid-template-columns:1fr 1fr; gap:16px;}

  /* ---------- CALCULATOR ---------- */
  .calc-hero{padding:70px 0 40px; max-width:620px;}
  .calc-hero h1{font-size:42px; margin-bottom:16px;}
  .calc-wrap{display:grid; grid-template-columns:.95fr 1.05fr; gap:50px; padding-bottom:110px; align-items:start;}
  .calc-inputs{background:var(--surface); border:1px solid var(--line); padding:34px;}
  .slider-field{margin-bottom:28px;}
  .slider-field .top{display:flex; justify-content:space-between; align-items:baseline; margin-bottom:10px;}
  .slider-field label{font-family:var(--mono); font-size:11px; letter-spacing:.05em; color:var(--muted); text-transform:uppercase;}
  .slider-field .value{font-family:var(--serif); font-size:20px; color:var(--accent-light);}
  input[type=range]{
    -webkit-appearance:none; width:100%; height:2px; background:var(--line); outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none; width:16px; height:16px; border-radius:50%; background:var(--accent);
    cursor:pointer; border:2px solid var(--bg); box-shadow:0 0 0 1px var(--accent);
  }
  .calc-results{background:var(--surface); border:1px solid var(--line);}
  .result-hero{padding:34px; border-bottom:1px solid var(--line);}
  .result-hero .lbl{font-family:var(--mono); font-size:11px; color:var(--muted); letter-spacing:.05em; margin-bottom:10px;}
  .result-hero .big{font-family:var(--serif); font-size:46px; color:var(--accent-light);}
  .result-hero .big span{font-size:20px; color:var(--muted); font-family:var(--sans);}
  .result-grid{display:grid; grid-template-columns:1fr 1fr 1fr; border-bottom:1px solid var(--line);}
  .result-grid div{padding:20px 22px; border-right:1px solid var(--line);}
  .result-grid div:last-child{border-right:none;}
  .result-grid .rl{font-family:var(--mono); font-size:10.5px; color:var(--muted); letter-spacing:.04em; margin-bottom:6px;}
  .result-grid .rv{font-family:var(--serif); font-size:19px;}
  .amort-chart{padding:28px 34px 34px;}
  .amort-chart .cap{font-family:var(--mono); font-size:11px; color:var(--muted); letter-spacing:.05em; margin-bottom:16px; display:flex; justify-content:space-between;}
  .disclaimer{font-size:11.5px; color:var(--muted); margin-top:18px; line-height:1.6; max-width:520px;}

  @media (max-width:860px){
    header{padding:20px 24px;} nav{display:none;}
    main{padding:0 24px;}
    .hero, .contact-wrap, .calc-wrap{grid-template-columns:1fr;}
    .strip, .result-grid{grid-template-columns:repeat(2,1fr);}
    .member.has-photo{grid-template-columns:1fr;}
    .member-photo{max-width:260px;}
    .lending{grid-template-columns:repeat(2,1fr);}
    .lending .cat:nth-child(2){border-right:none;}
    .lending .cat:nth-child(-n+2){border-bottom:1px solid var(--line);}
    .strip .item:nth-of-type(2){border-right:none;}
    .values{grid-template-columns:1fr;}
    .hero h1{font-size:38px;}
    .hero-tagline{font-size:18px;}
    .cta-band{flex-direction:column; align-items:flex-start;}
  }
  @media (max-width:600px){
    .lending{grid-template-columns:1fr;}
    .lending .cat{border-right:none; border-bottom:1px solid var(--line);}
    .lending .cat:last-child{border-bottom:none;}
    .strip .item, .strip .item + .item{padding:20px 12px 20px 0;}
    .strip .item:nth-of-type(even){padding-left:16px;}
    .strip .num{font-size:26px;}
  }

  /* links styled as buttons */
  a.btn-primary, a.btn-ghost, a.nav-cta{display:inline-block;}
  a.wordmark{display:block;}