/* ==========================================================
   CPL Finance — Shared Stylesheet
   Corporate / institutional theme: charcoal + white + restrained gold
   ========================================================== */

:root{
  --navy:#1c1e22;      /* charcoal-black — header, hero, dark sections */
  --navy-2:#2b2e34;    /* lighter charcoal for gradients */
  --navy-3:#131417;    /* near-black */
  --charcoal:#111214;  /* deepest black — footer */
  --ink:#1a1c1f;
  --slate:#62666f;
  --gold:#a3803f;
  --gold-light:#c6a771;
  --gold-dark:#87692f;
  --line:#e3e3e5;
  --bg:#f7f7f7;
  --white:#ffffff;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  font-family:'Inter',sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.7;
  font-weight:400;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.serif{font-family:'Playfair Display',serif;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
img,svg{display:block;max-width:100%;}
.container{max-width:1160px;margin:0 auto;padding:0 24px;}
.section{padding:100px 0;}
.section.tight{padding:70px 0;}
.bg-light{background:var(--bg);}
.bg-navy{background:var(--navy);color:#e7ecf3;}
.bg-navy h2{color:var(--white);}
.bg-navy .lede{color:#b7c4d6;}

.eyebrow{
  display:inline-block;
  font-size:12px;
  letter-spacing:3px;
  text-transform:uppercase;
  color:var(--gold-dark);
  font-weight:600;
  margin-bottom:14px;
  white-space:nowrap;
  max-width:100%;
}
.bg-navy .eyebrow{color:var(--gold-light);}

h2.heading{
  font-size:34px;
  font-weight:600;
  color:var(--navy);
  margin-bottom:18px;
  letter-spacing:.2px;
}
.bg-navy h2.heading{color:var(--white);}

.lede{
  font-size:16.5px;
  color:var(--slate);
  max-width:620px;
}
.center{text-align:center;margin-left:auto;margin-right:auto;}

.btn{
  display:inline-block;
  padding:14px 32px;
  font-size:13px;
  letter-spacing:1.6px;
  text-transform:uppercase;
  font-weight:600;
  border-radius:2px;
  transition:all .2s ease;
  border:1px solid transparent;
  cursor:pointer;
  font-family:'Inter',sans-serif;
}
.btn-gold{background:var(--gold);color:var(--navy);}
.btn-gold:hover{background:var(--gold-dark);color:var(--white);}
.btn-outline{border-color:rgba(231,236,243,.5);color:#e7ecf3;}
.btn-outline:hover{background:rgba(231,236,243,.08);border-color:#fff;}
.btn-outline-navy{border-color:var(--navy);color:var(--navy);}
.btn-outline-navy:hover{background:var(--navy);color:var(--white);}

/* ---------- Logo ---------- */
.logo{display:flex;align-items:center;gap:12px;}
.logo img{height:56px;width:auto;}
.logo-text{line-height:1.05;}
.logo-text .cpl{
  font-family:'Playfair Display',serif;
  font-size:19px;letter-spacing:3px;color:var(--gold-light);font-weight:600;
}
.logo-text .fin{
  font-size:9px;letter-spacing:4px;color:#cfd8e3;font-weight:600;text-transform:uppercase;
}

/* ---------- Header ---------- */
header.site-header{
  position:sticky;top:0;z-index:100;
  background:var(--navy);
  border-bottom:1px solid rgba(212,176,106,.2);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
nav.main-nav ul{display:flex;gap:34px;}
nav.main-nav a{
  font-size:13px;letter-spacing:.8px;color:#dbe3ee;font-weight:500;
  opacity:.85;transition:opacity .2s;padding:6px 0;border-bottom:2px solid transparent;
}
nav.main-nav a:hover{opacity:1;}
nav.main-nav a.active{opacity:1;border-bottom-color:var(--gold);}
.header-cta{display:flex;align-items:center;gap:22px;}
.phone-link{color:#dbe3ee;font-size:13.5px;}
.menu-toggle{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer;}

@media (max-width:960px){
  nav.main-nav{
    position:absolute;top:100%;left:0;right:0;
    background:var(--navy);
    flex-direction:column;
    max-height:0;overflow:hidden;
    transition:max-height .3s ease;
    border-bottom:1px solid rgba(212,176,106,.2);
  }
  nav.main-nav.open{max-height:320px;}
  nav.main-nav ul{flex-direction:column;gap:0;padding:10px 24px 20px;}
  nav.main-nav ul li{border-bottom:1px solid rgba(255,255,255,.06);}
  nav.main-nav ul li a{display:block;padding:14px 0;}
  .menu-toggle{display:block;}
  .header-cta .phone-link{display:none;}
  .header-cta{gap:14px;}
}
@media (max-width:400px){
  .logo img{height:44px;}
  .header-cta .btn{padding:11px 18px;font-size:11px;letter-spacing:1px;}
  .header-cta{gap:10px;}
  .nav-wrap{padding:12px 0;}
}

/* ---------- Page header (interior pages) ---------- */
.page-header{
  background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);
  color:#fff;
  padding:80px 0 64px;
  position:relative;
}
.page-header .eyebrow{color:var(--gold-light);}
.page-header h1{font-size:40px;font-weight:600;margin-bottom:14px;}
.page-header p{color:#c3cddb;max-width:560px;font-size:16px;}
.breadcrumb{font-size:12.5px;color:#9fb0c4;margin-bottom:18px;letter-spacing:.5px;}
.breadcrumb a:hover{color:var(--gold-light);}

/* ---------- Hero (home) ---------- */
.hero{
  position:relative;
  padding:130px 0 110px;
  background:
    linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 60%, #0a1e3a 100%);
  color:#fff;
  overflow:hidden;
}
.hero::after{
  content:"";position:absolute;inset:0;
  background:radial-gradient(circle at 85% 15%, rgba(198,167,113,.09), transparent 55%);
  pointer-events:none;
  z-index:1;
}
.hero-video{
  position:absolute;inset:0;
  width:100%;height:100%;
  object-fit:cover;
  z-index:0;
}
.hero-video-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg, rgba(19,20,23,.90) 0%, rgba(30,32,37,.84) 60%, rgba(11,12,14,.92) 100%);
  z-index:1;
}
.hero-inner{position:relative;z-index:2;max-width:660px;}
.hero h1{font-size:48px;line-height:1.18;font-weight:600;margin-bottom:22px;}
.hero h1 em{font-style:normal;color:var(--gold-light);}
.hero p{font-size:17px;color:#c3cddb;max-width:540px;margin-bottom:36px;}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;}

.trust-bar{
  background:var(--charcoal);
  padding:22px 0;
}
.trust-bar .container{
  display:flex;justify-content:center;gap:48px;flex-wrap:wrap;
}
.trust-item{
  display:flex;align-items:center;gap:10px;color:#c9d2df;font-size:13px;letter-spacing:.5px;
}
.trust-item svg{width:18px;height:18px;stroke:var(--gold-light);flex-shrink:0;}

/* ---------- Grids: about / cards ---------- */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;}
.visual-panel{
  background:linear-gradient(150deg,var(--navy),var(--navy-2));
  border-radius:3px;
  aspect-ratio:4/3.2;
  display:flex;align-items:center;justify-content:center;
  position:relative;overflow:hidden;
}
.visual-panel::after{
  content:"";position:absolute;inset:14px;border:1px solid rgba(212,176,106,.28);pointer-events:none;
}
.visual-panel img{width:56%;filter:brightness(1.15);}
.visual-panel.photo{background:var(--navy-3);}
.visual-panel.photo img{
  width:100%;height:100%;object-fit:cover;
  filter:grayscale(.15) brightness(.92) contrast(1.05);
  position:absolute;inset:0;
}
.visual-panel.photo::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(17,18,20,.05) 0%, rgba(17,18,20,.35) 100%);
  z-index:1;
}

.check-list{margin-top:24px;display:grid;gap:14px;}
.check-list li{display:flex;gap:12px;font-size:15px;color:var(--slate);align-items:flex-start;}
.check-list li::before{
  content:"";width:6px;height:6px;background:var(--gold);border-radius:50%;margin-top:9px;flex-shrink:0;
}

.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:50px;}
.card{
  background:var(--white);
  border:1px solid var(--line);
  padding:36px 30px;
  border-radius:3px;
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover{transform:translateY(-5px);box-shadow:0 16px 36px rgba(17,18,20,.1);border-color:var(--gold);}
.card-icon{
  width:42px;height:42px;border-radius:50%;background:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.card-icon svg{width:19px;height:19px;stroke:var(--gold-light);}
.card h3{font-size:18px;color:var(--navy);margin-bottom:9px;font-weight:600;}
.card p{font-size:14.5px;color:var(--slate);}

/* ---------- Recently Funded Deals ---------- */
.deal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:50px;}
.deal-card{
  background:var(--white);
  border:1px solid var(--line);
  border-top:3px solid var(--gold);
  padding:32px 28px;
  border-radius:2px;
  text-align:center;
  transition:box-shadow .2s ease, transform .2s ease;
}
.deal-card:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(17,18,20,.08);}
.deal-amount{font-family:'Playfair Display',serif;font-size:30px;font-weight:700;color:var(--navy);}
.deal-type{font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--gold-dark);font-weight:600;margin-top:10px;}
.deal-location{font-size:15.5px;color:var(--ink);font-weight:600;margin-top:10px;}
.deal-term{font-size:12.5px;color:var(--slate);margin-top:6px;}
.deal-note{font-size:13px;color:var(--slate);margin-top:34px;}

/* ---------- Stats strip ---------- */
.stats-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;}
.stat{text-align:center;border-left:1px solid rgba(255,255,255,.12);padding:0 10px;}
.stat:first-child{border-left:none;}
.stat .num{font-family:'Playfair Display',serif;font-size:30px;color:var(--gold-light);font-weight:700;}
.stat .lbl{font-size:11.5px;letter-spacing:1.4px;text-transform:uppercase;color:#aebbcc;margin-top:6px;}

/* ---------- Values / numbered items ---------- */
.value-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-top:52px;}
.value-item{padding:0 6px;}
.value-num{
  font-family:'Playfair Display',serif;font-size:14px;color:var(--gold);
  border:1px solid var(--gold);width:36px;height:36px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.value-item h3{font-size:16px;color:var(--navy);margin-bottom:8px;font-weight:600;}
.bg-navy .value-item h3{color:#fff;}
.value-item p{font-size:13.5px;color:var(--slate);}
.bg-navy .value-item p{color:#b7c4d6;}

/* ---------- Process steps ---------- */
.process-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:50px;}
.process-step .step-index{
  font-family:'Playfair Display',serif;font-size:44px;font-weight:700;
  color:transparent;-webkit-text-stroke:1.4px var(--gold);margin-bottom:12px;
}
.process-step h3{color:var(--navy);font-size:18px;margin-bottom:9px;font-weight:600;}
.process-step p{font-size:14.5px;color:var(--slate);}

/* ---------- CTA banner ---------- */
.cta-banner{background:var(--navy);color:#fff;padding:60px 0;text-align:center;}
.cta-banner h2{font-size:26px;margin-bottom:12px;color:#fff;}
.cta-banner p{margin-bottom:28px;color:#c3cddb;}

/* ---------- Service detail rows (services page) ---------- */
.service-row{
  display:grid;grid-template-columns:220px 1fr;gap:36px;
  padding:34px 0;border-bottom:1px solid var(--line);align-items:start;
}
.service-row:first-of-type{border-top:1px solid var(--line);}
.service-row .tag{
  font-size:11px;letter-spacing:1.6px;text-transform:uppercase;color:var(--gold-dark);font-weight:700;
}
.service-row h3{color:var(--navy);font-size:21px;margin:6px 0 10px;font-weight:600;}
.service-row p{color:var(--slate);font-size:15px;max-width:640px;}

/* ---------- Apply Now ---------- */
.apply-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:50px;}
.apply-card{
  background:var(--white);
  border:1px solid var(--line);
  border-top:3px solid var(--gold);
  padding:38px 34px;
  border-radius:2px;
  text-align:center;
}
.apply-card h3{font-size:20px;color:var(--navy);margin-bottom:10px;font-weight:600;}
.apply-card p{font-size:14.5px;color:var(--slate);margin-bottom:22px;}

/* ---------- Founder ---------- */
.founder-photo{aspect-ratio:4/4.6;}
.founder-photo img{
  width:100%;height:100%;object-fit:cover;border-radius:3px;
  filter:grayscale(.1) contrast(1.03);
}
.founder-photo-placeholder{
  width:100%;height:100%;
  border:2px dashed var(--line);
  border-radius:3px;
  background:var(--white);
  display:flex;align-items:center;justify-content:center;
  color:var(--slate);
  font-size:13px;
  text-align:center;
  padding:20px;
  line-height:1.6;
}
.visual-panel.founder{background:var(--navy-3);}
.visual-panel.founder .founder-photo-placeholder{
  border-color:rgba(198,167,113,.35);
  background:transparent;
  color:#c3cddb;
}
.visual-panel.founder img{
  width:100%;height:100%;object-fit:cover;position:absolute;inset:0;
}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:64px;}
.contact-block{margin-bottom:24px;}
.contact-block .label{font-size:11px;letter-spacing:1.8px;text-transform:uppercase;color:var(--gold-dark);font-weight:700;margin-bottom:6px;}
.contact-block .value{font-size:16px;color:var(--navy);font-weight:500;}

form.contact-form{
  background:var(--bg);padding:38px;border-radius:3px;border:1px solid var(--line);display:grid;gap:18px;
}
form.contact-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field label{display:block;font-size:11.5px;letter-spacing:1px;text-transform:uppercase;color:var(--slate);margin-bottom:7px;font-weight:600;}
.field input,.field select,.field textarea{
  width:100%;padding:12px 13px;border:1px solid var(--line);background:#fff;
  font-family:'Inter',sans-serif;font-size:14.5px;border-radius:2px;color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);}
form.contact-form button{width:100%;}

/* ---------- Calendly panel ---------- */
.calendly-panel{
  background:var(--bg);
  border:1px solid var(--line);
  border-radius:3px;
  padding:32px;
}
.calendly-panel h3{
  font-family:'Playfair Display',serif;
  font-size:22px;color:var(--navy);font-weight:600;
  margin:8px 0 10px;
}
.calendly-panel > p:not(.calendly-fallback){font-size:14.5px;color:var(--slate);margin-bottom:20px;max-width:480px;}
.calendly-inline-widget{border-radius:2px;overflow:hidden;background:var(--white);}
.calendly-fallback{font-size:12.5px;color:var(--slate);margin-top:14px;text-align:center;}
.calendly-fallback a{text-decoration:underline;color:var(--navy);}

/* ---------- Footer ---------- */
footer{background:var(--charcoal);color:#a9b2c0;padding:56px 0 24px;}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px;padding-bottom:36px;border-bottom:1px solid rgba(212,176,106,.15);}
.footer-desc{font-size:13.5px;margin-top:16px;max-width:280px;color:#8b93a2;}
.footer-social{display:flex;gap:12px;margin-top:20px;}
.footer-social a{
  width:34px;height:34px;border-radius:50%;
  border:1px solid rgba(198,167,113,.25);
  display:flex;align-items:center;justify-content:center;
  color:var(--gold-light);
  transition:border-color .2s ease, background .2s ease;
}
.footer-social a:hover{border-color:var(--gold);background:rgba(198,167,113,.08);}
.footer-social svg{width:15px;height:15px;fill:currentColor;}
.footer-col h4{font-size:12px;letter-spacing:1.8px;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;font-weight:600;}
.footer-col ul li{margin-bottom:11px;font-size:13.5px;}
.footer-col ul li a:hover{color:var(--gold-light);}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:24px;font-size:12px;color:#6d7482;flex-wrap:wrap;gap:10px;}

@media (max-width:900px){
  .two-col,.contact-grid{grid-template-columns:1fr;gap:36px;}
  .card-grid,.deal-grid,.apply-grid{grid-template-columns:repeat(2,1fr);}
  .value-grid{grid-template-columns:repeat(2,1fr);}
  .stats-strip{grid-template-columns:repeat(2,1fr);row-gap:24px;}
  .stat{border-left:none;}
  .process-steps{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;gap:30px;}
  .footer-top > div:first-child{grid-column:1/-1;}
  .hero h1,.page-header h1{font-size:32px;}
  form.contact-form .row2{grid-template-columns:1fr;}
  .service-row{grid-template-columns:1fr;gap:10px;}
  .hero{padding:100px 0 80px;}
  .trust-bar .container{gap:28px;}
  /* prevent an odd lone card/last item from sitting alone in one column */
  .card-grid > .card:last-child:nth-child(odd),
  .deal-grid > .deal-card:last-child:nth-child(odd){grid-column:1/-1;max-width:520px;margin:0 auto;}
}
@media (max-width:600px){
  .card-grid,.deal-grid,.apply-grid{grid-template-columns:1fr;}
  .card-grid > .card:last-child:nth-child(odd),
  .deal-grid > .deal-card:last-child:nth-child(odd){grid-column:auto;max-width:none;margin:0;}
  .section{padding:64px 0;}
  .footer-top{grid-template-columns:1fr;}
  .footer-top > div:first-child{grid-column:auto;}
}
@media (max-width:480px){
  .eyebrow{font-size:10px;letter-spacing:1.6px;}
  .value-grid,.stats-strip{grid-template-columns:1fr;}
  .stat{padding:0;}
  .hero{padding:88px 0 64px;}
  .hero h1,.page-header h1{font-size:28px;}
  .trust-bar .container{gap:20px;}
  .container{padding:0 18px;}
}

/* ---------- Scroll reveal ---------- */
.reveal{
  opacity:0;
  transform:translateY(22px);
  transition:opacity .7s cubic-bezier(.16,.8,.24,1), transform .7s cubic-bezier(.16,.8,.24,1);
  will-change:opacity, transform;
}
.reveal.is-visible{opacity:1;transform:translateY(0);}

/* Above-the-fold content fades in on load, independent of scroll */
.hero-inner > *{
  opacity:0;
  animation:fadeInUp .8s cubic-bezier(.16,.8,.24,1) forwards;
}
.hero-inner > *:nth-child(1){animation-delay:.05s;}
.hero-inner > *:nth-child(2){animation-delay:.15s;}
.hero-inner > *:nth-child(3){animation-delay:.25s;}
.hero-inner > *:nth-child(4){animation-delay:.35s;}
.page-header .breadcrumb,
.page-header .eyebrow,
.page-header h1,
.page-header p{
  opacity:0;
  animation:fadeInUp .7s cubic-bezier(.16,.8,.24,1) forwards;
}
.page-header .breadcrumb{animation-delay:.05s;}
.page-header .eyebrow{animation-delay:.12s;}
.page-header h1{animation-delay:.2s;}
.page-header p{animation-delay:.3s;}

@keyframes fadeInUp{
  from{opacity:0;transform:translateY(14px);}
  to{opacity:1;transform:translateY(0);}
}

@media (prefers-reduced-motion: reduce){
  .reveal, .hero-inner > *, .page-header .breadcrumb, .page-header .eyebrow, .page-header h1, .page-header p{
    opacity:1 !important;
    transform:none !important;
    animation:none !important;
    transition:none !important;
  }
}