/* =========================================================
   Sigma Credit Capital · site stylesheet
   Brand: ink #121212 · orange #E3590C · cream #EDE9DF
   Orange is reserved for actions, links and the brand line.
   ========================================================= */
:root{
  --ink:#121212;--ink-2:#1A1A19;--ink-line:#2E2D2B;
  --cream:#EDE9DF;--paper:#F6F3EC;--line:#D3CBBA;--line-2:#E2DCCE;
  --ac:#E3590C;--ac-dk:#B4460A;
  --text:#1A1A19;--body:#34322E;--muted:#625E56;--on-ink:#F1EDE4;--on-ink-2:#B9B3A7;--on-ink-3:#8C877D;
  --green:#1F7A52;--red:#A8321E;
  --display:'Roboto Slab',Rockwell,Georgia,serif;
  --sans:'Geist',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,monospace;
  --gut:clamp(16px,4vw,40px);
  --max:1240px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--cream);color:var(--text);font-size:16.5px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
::selection{background:var(--ac);color:#fff}
:focus-visible{outline:2px solid var(--ac);outline-offset:3px}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;z-index:100;background:var(--ac);color:#fff;padding:8px 14px}
.skip:focus{left:8px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gut)}

/* ---------- type ---------- */
h1,h2,h3{font-family:var(--display);font-weight:700;letter-spacing:-.012em;color:inherit}
.h1{font-size:clamp(32px,3.6vw,48px);line-height:1.1}
.h2{font-size:clamp(25px,2.4vw,34px);line-height:1.15}
.label{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.dark .label,.phead .label,.hero .label{color:var(--on-ink-3)}
.lede{font-size:18px;line-height:1.6;color:var(--body);max-width:64ch}
.dark .lede,.phead .lede,.hero .lede{color:var(--on-ink-2)}
.prose p{color:var(--body);max-width:68ch;margin-bottom:14px}
.prose p:last-child{margin-bottom:0}
.note-s{font-size:13px;color:var(--muted);margin-top:18px;max-width:80ch}
.dark .note-s{color:var(--on-ink-3)}
.dark{background:var(--ink);color:var(--on-ink);--text:#fff;--body:var(--on-ink-2);--muted:var(--on-ink-3);--line:var(--ink-line);--line-2:#262523;--paper:var(--ink-2)}
.dark .cap-layer.on{background:var(--on-ink);border-color:var(--on-ink);color:var(--ink)}
.dark .cap-layer.on span,.dark .cap-layer.on em{color:#5A564F}
.dark .g-bar{background:var(--on-ink);color:var(--ink)}
.dark .btn-ink{background:var(--on-ink);color:var(--ink)}
.dark .btn-ink:hover{background:#fff}
.dark .nlist a:hover h3{color:var(--ac)}
.dark .nlist .ar{color:var(--ac)}
.paper{background:var(--paper)}

/* ---------- sections ---------- */
.sec{padding:clamp(56px,6.5vw,88px) 0}
.sec:not(.dark):not(.paper)+.sec:not(.dark):not(.paper){border-top:1px solid var(--line)}
.sec-head{max-width:760px;margin-bottom:36px}
.sec-head .h2{margin-bottom:12px}
.sec-head p{color:var(--body)}
.dark .sec-head p{color:var(--on-ink-2)}
.sec-head .more{margin-top:14px}

/* ---------- buttons & links ---------- */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 20px;font-weight:600;font-size:15px;border-radius:3px;transition:background .2s,color .2s,border-color .2s;white-space:nowrap}
.btn-ac{background:var(--ac);color:#fff}
.btn-ac:hover{background:#C94E0A}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#2C2B29}
.btn-line{border:1px solid currentColor;color:var(--text)}
.btn-line:hover{background:var(--text);color:var(--cream)}
.dark .btn-line,.hero .btn-line,.phead .btn-line{color:var(--on-ink)}
.dark .btn-line:hover,.hero .btn-line:hover,.phead .btn-line:hover{background:var(--on-ink);color:var(--ink)}
.link{font-weight:600;color:var(--text);border-bottom:1px solid var(--ac);padding-bottom:1px}
.link:hover{color:var(--ac-dk)}
.dark .link{color:var(--on-ink)}
.actions{display:flex;gap:10px;flex-wrap:wrap}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:60;background:var(--ink);color:var(--on-ink);border-bottom:1px solid var(--ink-line)}
.nav .wrap{display:flex;align-items:center;gap:24px;height:76px}
.brand{display:flex;align-items:center;flex:none}
.brand img{height:48px;width:auto}
.nav nav{margin-left:auto}
.nav ul{list-style:none;display:flex;gap:2px}
.nav ul a{display:block;padding:10px 11px;font-size:14.5px;color:#CFC9BD;position:relative}
.nav ul a:hover{color:#fff}
.nav ul a.active{color:#fff}
.nav ul a.active::after{content:"";position:absolute;left:11px;right:11px;bottom:3px;height:2px;background:var(--ac)}
.nav .btn{padding:11px 16px;font-size:14px}
.menu-btn{display:none;width:44px;height:44px;margin-left:auto;position:relative}
.menu-btn span{position:absolute;left:11px;right:11px;height:2px;background:var(--on-ink);transition:transform .25s,opacity .2s}
.menu-btn span:nth-child(1){top:15px}.menu-btn span:nth-child(2){top:21px}.menu-btn span:nth-child(3){top:27px}
.nav.open .menu-btn span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav.open .menu-btn span:nth-child(2){opacity:0}
.nav.open .menu-btn span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- hero ---------- */
.hero{background:var(--ink);color:var(--on-ink);padding:clamp(48px,6vw,80px) 0 0}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:clamp(32px,5vw,64px);align-items:start}
.hero h1{font-size:clamp(36px,4.4vw,58px);line-height:1.06;margin:14px 0 20px}
.hero h1 em{font-style:normal;color:var(--ac);display:block}
.hero .lede{margin-bottom:28px}

/* black hero: light serif headline, white mandate summary, link rail */
.hero-bk{position:relative;overflow:hidden;background:#0B0B0A;padding-top:clamp(52px,7vw,104px)}
.hero-bk .wrap{position:relative}
.hero-sigma{position:absolute;pointer-events:none;top:-4%;right:-3vw;height:76%;width:auto;max-width:none}
.hero-sigma path{fill:none;stroke:#F1EDE4;stroke-opacity:.12;stroke-width:1;vector-effect:non-scaling-stroke}
.hero-sigma path+path{stroke-opacity:.05}
.hero-top{display:flex;align-items:center;gap:16px}
.hero-rule{width:48px;height:3px;background:var(--ac);transform-origin:left;animation:hdraw .9s cubic-bezier(.16,1,.3,1) .1s both}
.hero-bk .label{color:var(--on-ink-2);letter-spacing:.16em}
.hero-bk .hero-cities{margin-left:auto;color:var(--on-ink-3)}
.hero-cities i{font-style:normal;color:rgba(255,255,255,.2);margin:0 8px}
.hero-bk .hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,4.5vw,64px);margin-top:clamp(36px,4.5vw,56px)}
.hero-bk h1{font-weight:300;color:#fff;font-size:clamp(42px,4.6vw,68px);line-height:1;letter-spacing:-.025em;margin:0 0 clamp(28px,3vw,40px)}
.hero-bk h1 em{font-weight:400;display:inline}
.ln{display:block;overflow:hidden;padding-bottom:.08em}
.ln>span,.ln>em{display:inline-block;text-wrap:balance;animation:hrise 1s cubic-bezier(.16,1,.3,1) both}
.ln+.ln>*{animation-delay:.12s}
.hero-bk .lede{color:var(--on-ink-2);max-width:54ch;margin-bottom:32px;animation:hslide .9s cubic-bezier(.16,1,.3,1) both}
.hero-bk .actions{align-items:center;gap:16px 32px;animation:hfade .9s cubic-bezier(.16,1,.3,1) .4s both}
.hero-bk .btn{padding:16px 24px;border-radius:2px}
.arw{width:16px;height:12px;flex:none}
.arw path{fill:none;stroke:currentColor;stroke-width:1.25}
.btn .arw{transition:transform .25s}
.btn:hover .arw{transform:translateX(3px)}
.hero-link{color:#fff;font-size:15px;padding-bottom:4px;border-bottom:1px solid rgba(255,255,255,.3);transition:border-color .2s}
.hero-link:hover{border-color:var(--ac)}
.hero-bk .tsheet{color:var(--text);box-shadow:0 30px 60px -30px rgba(0,0,0,.9);animation:hfade .9s cubic-bezier(.16,1,.3,1) .55s both}
.hrail{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid rgba(255,255,255,.12);margin-top:clamp(56px,7vw,104px)}
.hrail li+li{border-left:1px solid rgba(255,255,255,.12)}
.hrail a{position:relative;display:flex;flex-direction:column;gap:16px;height:100%;padding:26px 28px 30px}
.hrail li:first-child a{padding-left:0}
.hrail a::before{content:"";position:absolute;left:0;right:0;top:-1px;height:2px;background:var(--ac);transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.16,1,.3,1)}
.hrail a:hover::before,.hrail a:focus-visible::before{transform:scaleX(1)}
.hrail .k{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--on-ink-3)}
.hrail .k b{font-weight:400;color:rgba(255,255,255,.35);margin-right:12px}
.hrail .t{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-top:auto;font-family:var(--display);font-size:19px;line-height:1.3;color:var(--on-ink)}
.hrail .t .arw{width:20px;margin-bottom:6px;color:var(--on-ink-3);transition:transform .25s,color .25s}
.hrail a:hover .t{color:#fff}
.hrail a:hover .t .arw{color:var(--ac);transform:translateX(4px)}
@keyframes hrise{from{transform:translateY(105%)}to{transform:none}}
@keyframes hdraw{from{transform:scaleX(0)}to{transform:none}}
/* hslide: no opacity, so the lede (the mobile LCP element) paints on first render */
@keyframes hslide{from{transform:translateY(12px)}to{transform:none}}
@keyframes hfade{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.ln>span,.ln>em,.hero-rule,.hero-bk .lede,.hero-bk .actions,.hero-bk .tsheet{animation:none}}
.tsheet{background:#fff;border:1px solid var(--line);box-shadow:0 1px 0 var(--line),0 22px 44px -30px rgba(18,18,18,.4)}
/* facility picker inside the hero card */
.fx{padding-top:24px}
.fx-title{font-size:20px;line-height:1.2;text-align:center;padding:0 24px 18px}
.fx-l{font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);padding:0 24px;margin-bottom:8px}
.fx-tabs{display:flex;flex-wrap:nowrap;gap:6px;padding:0 24px 18px;border-bottom:2px solid var(--text)}
.fx-tabs button{font-size:13px;padding:7px 11px;white-space:nowrap;border:1px solid var(--line);color:var(--body);transition:background .2s,border-color .2s,color .2s}
.fx-tabs button:hover{border-color:var(--text)}
.fx-tabs button[aria-selected="true"]{background:var(--text);border-color:var(--text);color:#fff}
.fx-dl{padding:6px 24px 8px}
.fx-dl div{display:grid;grid-template-columns:132px minmax(0,1fr);gap:0 12px;padding:11px 0;border-bottom:1px solid var(--line-2);font-size:15px}
.fx-dl div:last-child{border-bottom:0}
.fx-dl dt{font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding-top:3px}
.fx-dl dd{color:var(--text)}
.fx-dl dd.num{font-family:var(--mono);font-size:14px;padding-top:1px}
.fx-dl.swap dd[data-f]{animation:hfade .45s cubic-bezier(.16,1,.3,1) both}
.tsheet-note{padding:0 24px 20px;font-size:12.5px;color:var(--muted)}
/* section headings numbered as clauses */
.cl{font-family:var(--mono);font-weight:400;font-size:.62em;letter-spacing:0;opacity:.55;margin-right:.55em;vertical-align:.18em}

/* ---------- facilities: cards with mini range charts, filtered by amount ---------- */
.fc-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:24px 48px}
.fc-head .sec-head{margin-bottom:0}
.fc-input{display:grid;gap:10px;width:min(340px,100%)}
.fc-ccy{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border:1px solid var(--line);background:var(--paper)}
.fc-ccy button{font-family:var(--mono);font-size:12.5px;letter-spacing:.06em;padding:8px 0;color:var(--body);transition:background .2s,color .2s}
.fc-ccy button+button{border-left:1px solid var(--line)}
.fc-ccy button:hover{color:var(--text)}
.fc-ccy button[aria-pressed="true"]{background:var(--text);color:#fff}
.fc-input label{display:flex;justify-content:space-between;gap:16px;font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.fc-input output{font-size:15px;letter-spacing:0;text-transform:none;color:var(--text);font-weight:500}
.fc-input input{width:100%;height:24px;accent-color:var(--ac);cursor:pointer}
.fc-fit{margin-top:28px;padding-top:14px;border-top:1px solid var(--text);font-size:14.5px;color:var(--body);min-height:1.6em}
.fc-fit b{color:var(--text)}
.fc-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:12px;margin-top:20px}
.fc{grid-column:span 3;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);padding:24px;transition:opacity .3s}
.fc-lg{grid-column:span 6}
.fc.out{opacity:.45}
.fc-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.fc-ok{font-family:var(--mono);font-size:10.5px;color:var(--text);white-space:nowrap}
.fc.out .fc-ok{visibility:hidden}
.fc h3{font-size:21px;line-height:1.2;margin:12px 0 8px}
.fc-lg h3{font-size:26px}
.fc>p{color:var(--body);font-size:15px}
.fc-m{margin-top:16px}
.fc-m+.fc-m{margin-top:10px}
.fc-ml{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.fc-ml span:last-child{font-family:var(--mono);font-size:12.5px;color:var(--text);white-space:nowrap}
.fc-tr{position:relative;height:18px;margin-top:2px;background:linear-gradient(var(--line-2),var(--line-2)) 0 50%/100% 1px no-repeat,linear-gradient(90deg,transparent calc(25% - .5px),var(--line-2) calc(25% - .5px) calc(25% + .5px),transparent calc(25% + .5px) calc(50% - .5px),var(--line-2) calc(50% - .5px) calc(50% + .5px),transparent calc(50% + .5px) calc(75% - .5px),var(--line-2) calc(75% - .5px) calc(75% + .5px),transparent calc(75% + .5px))}
.fc-tr i{position:absolute;top:5px;height:8px;left:var(--a);width:calc(var(--b) - var(--a));border-radius:4px;background:var(--text)}
.fc-tr-s::after{content:"";position:absolute;top:-2px;bottom:-2px;left:var(--m);width:2px;margin-left:-1px;background:var(--ac);transition:left .3s cubic-bezier(.16,1,.3,1)}
.fc dl{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:12px;margin-top:18px;padding-top:14px;border-top:1px solid var(--line-2);font-size:13.5px}
.fc dt{color:var(--muted)}
.fc dd{color:var(--text)}
.fc-act{display:flex;flex-wrap:wrap;align-items:center;gap:12px 20px;margin-top:auto;padding-top:20px}
.fc-act .btn{padding:11px 16px;font-size:14px}
.cap-stack{margin-top:0;gap:3px}
.cap-stack{display:grid;gap:4px;margin-top:8px}
.cap-layer{display:grid;grid-template-columns:52px 1fr auto;gap:12px;align-items:center;padding:11px 14px;border:1px solid var(--line);background:var(--paper);font-family:var(--mono);font-size:12px;transition:background .2s,color .2s,border-color .2s}
.cap-layer b{font-weight:600;letter-spacing:.06em}
.cap-layer span,.cap-layer em{color:var(--muted);font-style:normal}
.cap-layer.on{background:var(--ink);border-color:var(--ink);color:#fff}
.cap-layer.on span,.cap-layer.on em{color:var(--on-ink-2)}
.cap-axis{display:flex;justify-content:space-between;font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:10px}
.cap-help{font-size:13.5px;color:var(--muted);margin-top:14px}

/* ---------- tables ---------- */
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.tbl{width:100%;border-collapse:collapse;font-size:15px}
.tbl th{font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);text-align:left;font-weight:500;padding:10px 14px 10px 0;border-bottom:1px solid var(--text);vertical-align:bottom}
.tbl td{padding:14px 14px 14px 0;border-bottom:1px solid var(--line);vertical-align:top;color:var(--body)}
.tbl td:first-child{font-weight:600;color:var(--text)}
.tbl td.num{font-family:var(--mono);font-size:14px;white-space:nowrap}
.tbl a{border-bottom:1px solid var(--ac)}
.tbl.wide{min-width:760px}

/* ---------- representative structures ---------- */
.structs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--line)}
.struct{padding:24px 22px 28px;border-left:1px solid var(--line);display:flex;flex-direction:column}
.struct:first-child{border-left:0;padding-left:0}
.struct .top{font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.struct h3{font-size:19px;font-weight:600;color:var(--text);margin:12px 0 8px;line-height:1.25}
.struct p{color:var(--body);font-size:15px}
.struct dl{margin-top:auto;padding-top:18px;display:grid;gap:4px;font-size:13.5px}
.struct dl div{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding-top:6px}
.struct dt{color:var(--muted)}
.struct dd{font-family:var(--mono);color:var(--text)}

/* ---------- rates ---------- */
.market{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(24px,4vw,56px)}
.market h3{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:500;display:flex;justify-content:space-between;padding-bottom:10px;border-bottom:1px solid var(--text)}
.rate{display:grid;grid-template-columns:minmax(0,1fr) auto auto;gap:16px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line)}
.rate .nm{font-weight:600}
.rate .nm em{display:block;font-style:normal;font-weight:400;font-size:13px;color:var(--muted)}
.rate .val{font-family:var(--mono);font-size:15.5px;font-weight:500;text-align:right;white-space:nowrap}
.rate .dl{font-family:var(--mono);font-size:11px;color:var(--muted);min-width:56px;text-align:right}
.rate .dl.dn{color:var(--green)}

/* ---------- process timeline ---------- */
.gantt{border-top:1px solid var(--text)}
.g-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:32px;padding:20px 0;border-bottom:1px solid var(--line);align-items:center}
.g-row .lbl{display:grid;grid-template-columns:32px 1fr;gap:10px}
.g-row .lbl b{font-family:var(--mono);font-size:12px;color:var(--muted);padding-top:3px;font-weight:500}
.g-row h3{font-size:18px;font-weight:600}
.g-row p{color:var(--body);font-size:15px;margin-top:2px}
.g-track{position:relative;height:30px;background:repeating-linear-gradient(90deg,transparent 0,transparent calc(100%/12 - 1px),var(--line-2) calc(100%/12 - 1px),var(--line-2) calc(100%/12))}
.g-bar{position:absolute;top:5px;bottom:5px;background:var(--ink);display:flex;align-items:center;padding:0 8px;font-family:var(--mono);font-size:10.5px;color:#fff;white-space:nowrap}
.g-scale{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:32px;padding-top:10px}
.g-scale div:last-child{display:grid;grid-template-columns:repeat(12,1fr);font-family:var(--mono);font-size:10px;color:var(--muted)}

/* ---------- mandates ---------- */
.mandates{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--text)}
.mand{padding:24px 24px 28px;border-left:1px solid var(--line);display:flex;flex-direction:column}
.mand:first-child{border-left:0;padding-left:0}
.mand h3{font-size:22px}
.mand .sub{color:var(--muted);font-size:15px}
.mand .fee{font-family:var(--mono);font-size:13px;margin:14px 0;padding:8px 0;border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
.mand ul{list-style:none;display:grid;gap:7px;margin-bottom:22px}
.mand li{display:grid;grid-template-columns:14px 1fr;gap:8px;font-size:15px;color:var(--body)}
.mand li::before{content:"";width:6px;height:6px;background:var(--ac);margin-top:9px}
.mand .link{margin-top:auto;align-self:flex-start}

/* ---------- principles ---------- */
.princ{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line)}
.princ div{padding:26px 32px 30px 0;border-bottom:1px solid var(--line)}
.princ div:nth-child(even){padding-left:32px;border-left:1px solid var(--line)}
.princ h3{font-size:19px;font-weight:600;color:var(--text);margin-bottom:6px}
.princ p{color:var(--body);max-width:54ch;font-size:15.5px}

/* ---------- offices ---------- */
.desks{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--text)}
.desk{padding:20px 24px 24px;border-left:1px solid var(--line)}
.desk:first-child{border-left:0;padding-left:0}
.desk h3{font-size:22px}
.desk dl{margin-top:12px}
.desk dl div{display:grid;grid-template-columns:90px 1fr;gap:10px;padding:7px 0;border-top:1px solid var(--line-2);font-size:15px}
.desk dt{color:var(--muted)}

/* ---------- notes list ---------- */
.nlist{border-top:1px solid var(--text)}
.nlist a{display:grid;grid-template-columns:190px minmax(0,1fr) 24px;gap:20px;padding:20px 0;border-bottom:1px solid var(--line);align-items:baseline}
.nlist .d{font-family:var(--mono);font-size:12px;color:var(--muted)}
.nlist h3{font-size:19px;font-weight:600;margin-bottom:4px}
.nlist p{color:var(--body);font-size:15px;max-width:70ch}
.nlist .ar{font-family:var(--mono);color:var(--ac-dk)}
.nlist a:hover h3{color:var(--ac-dk)}

/* ---------- key/value list ---------- */
.kv{border-top:1px solid var(--text)}
.kv div{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:20px;padding:13px 0;border-bottom:1px solid var(--line);align-items:baseline}
.kv b{font-weight:600}
.kv span{font-size:14px;color:var(--muted);text-align:right}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,6vw,88px);align-items:start}

/* ---------- page head ---------- */
.phead{background:var(--ink);color:var(--on-ink);padding:clamp(44px,5.5vw,72px) 0 clamp(40px,5vw,60px)}
.phead h1{margin:10px 0 16px;max-width:24ch;color:#fff}
/* headings on black match the white of the logo */
.dark h2,.dark h3,.phead h2{color:#fff}
.phead .lede{max-width:66ch}
.crumbs{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--on-ink-3);margin-bottom:22px}
.crumbs a:hover{color:#fff}
.phead .byline{font-family:var(--mono);font-size:12px;color:var(--on-ink-3);margin-top:18px}
.rel{max-width:70ch;font-size:15px;color:var(--muted)}
.rel .label{margin-right:10px}
.subnav{position:sticky;top:76px;z-index:40;background:var(--paper);border-bottom:1px solid var(--line);overflow-x:auto;scrollbar-width:none}
.subnav::-webkit-scrollbar{display:none}
.subnav .wrap{display:flex;gap:4px;height:50px;align-items:center}
.subnav a{font-size:14px;padding:6px 10px;border-radius:3px;white-space:nowrap;color:var(--muted)}
.subnav a:hover{color:var(--text)}
.subnav a.on{background:var(--ink);color:#fff}

/* ---------- facility / business-type detail ---------- */
.sdetail{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:clamp(28px,5vw,72px);padding:clamp(44px,5vw,64px) 0;border-bottom:1px solid var(--line);scroll-margin-top:130px}
.sdetail:last-child{border-bottom:0}
.sdetail h2{font-size:clamp(25px,2.4vw,32px);line-height:1.15;margin-bottom:12px}
.sdetail .lede{font-size:16.5px}
.terms{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--text);margin-top:22px}
.terms div{padding:10px 0;border-bottom:1px solid var(--line)}
.terms div:nth-child(odd){padding-right:16px}
.terms dt{font-size:13px;color:var(--muted)}
.terms dd{font-family:var(--mono);font-size:14.5px;font-weight:500}
.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.cols2 h4,.neg h4{font-size:14px;font-weight:600;margin-bottom:8px}
.ticks{list-style:none;display:grid;gap:6px}
.ticks li{display:grid;grid-template-columns:14px 1fr;gap:8px;font-size:15px;color:var(--body)}
.ticks li::before{content:"";width:6px;height:6px;background:var(--ac);margin-top:9px}
.neg{border-left:2px solid var(--ac);padding:2px 0 2px 18px;margin-top:24px}
.neg p{color:var(--body);font-size:15.5px}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--text)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:1fr 20px;gap:16px;padding:18px 0;font-weight:600;font-size:17px;line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary i{width:20px;height:20px;position:relative;margin-top:2px}
.faq summary i::before,.faq summary i::after{content:"";position:absolute;left:3px;right:3px;top:9px;height:1.5px;background:var(--text)}
.faq summary i::after{transform:rotate(90deg);transition:transform .2s}
.faq details[open] summary i::after{transform:rotate(0)}
.faq .ans{padding:0 36px 20px 0;color:var(--body);max-width:72ch}

/* ---------- person ---------- */
.person{border-top:1px solid var(--text);padding-top:22px;max-width:760px}
.person h3{font-size:24px}
.person .role{font-size:15px;color:var(--muted);margin:2px 0 14px}
.person p{color:var(--body);margin-bottom:10px}

/* ---------- forms ---------- */
.form-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:clamp(28px,5vw,64px)}
.form{background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:clamp(22px,3vw,36px)}
.form fieldset{border:0;margin-bottom:6px}
.form legend{font-size:13.5px;font-weight:600;margin-bottom:8px}
.seg{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:6px;margin-bottom:22px}
.seg label{position:relative}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;text-align:center;padding:11px 8px;border:1px solid var(--line);border-radius:3px;font-size:14px;cursor:pointer;background:#fff}
.seg input:checked+span{background:var(--ink);color:#fff;border-color:var(--ink)}
.seg input:focus-visible+span{outline:2px solid var(--ac);outline-offset:2px}
.f-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:grid;gap:6px;margin-bottom:18px;align-content:start}
.field label{font-size:13.5px;font-weight:600}
.field label em{font-style:normal;color:var(--muted);font-weight:400}
.field input,.field select,.field textarea{font:inherit;font-size:15.5px;padding:12px 14px;border:1px solid var(--line);border-radius:3px;background:#fff;color:var(--text);width:100%}
.field select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%23121212' stroke-width='1.5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:40px}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--ink);box-shadow:0 0 0 3px rgba(227,89,12,.15)}
.field .err{font-size:12.5px;color:var(--red);display:none}
.field.bad input,.field.bad select{border-color:var(--red)}
.field.bad .err{display:block}
.field .help{font-size:12.5px;color:var(--muted)}
.chk{display:grid;grid-template-columns:20px 1fr;gap:12px;font-size:14px;color:var(--muted);align-items:start}
.field .chk{font-weight:400;font-size:14px;margin-top:4px}
.chk input{width:18px;height:18px;accent-color:var(--ac);margin-top:2px}
.form .btn{width:100%;justify-content:center;padding:16px}
.form .btn[disabled]{opacity:.6;pointer-events:none}
.side>div{padding:0 0 20px;margin-bottom:20px;border-bottom:1px solid var(--line)}
.side h3{font-size:16px;font-weight:600;margin-bottom:8px;font-family:var(--sans)}
.side p{color:var(--body);font-size:15px}
.side a{border-bottom:1px solid var(--ac)}
.side .rate{padding:9px 0}

/* ---------- next step ---------- */
.next{background:var(--paper);border-top:1px solid var(--line)}
.next .wrap{display:grid;grid-template-columns:minmax(0,1.4fr) auto;gap:32px;align-items:center;padding-top:clamp(44px,5vw,64px);padding-bottom:clamp(44px,5vw,64px)}
.next p{color:var(--body);margin-top:8px;max-width:64ch}
.next.dark{border-top:0;border-bottom:1px solid var(--ink-line)}

/* ---------- article ---------- */
.article-wrap{display:grid;grid-template-columns:240px minmax(0,1fr);gap:clamp(32px,6vw,88px)}
.toc{position:sticky;top:100px;align-self:start;font-size:14px}
.toc h4{font-size:13px;font-weight:600;margin-bottom:10px}
.toc a{display:block;padding:9px 0;border-top:1px solid var(--line);color:var(--muted)}
.toc a:hover{color:var(--text)}
.article{max-width:70ch;padding-bottom:56px;margin-bottom:56px;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.article:last-child{border-bottom:0;margin-bottom:0}
.article .meta{font-family:var(--mono);font-size:11.5px;color:var(--muted);display:flex;gap:16px;flex-wrap:wrap}
.article h2{font-size:clamp(25px,2.5vw,32px);line-height:1.15;margin:10px 0 16px}
.article h3{font-size:19px;font-weight:600;margin:26px 0 8px}
.article p{margin-bottom:14px;font-size:17px;line-height:1.7;color:var(--body)}
.article .stand{font-size:18.5px;color:var(--muted)}
.article ul{margin:0 0 16px 20px}
.article li{margin-bottom:8px;font-size:17px;color:var(--body)}
.article .tbl{margin:16px 0 22px;font-size:14.5px}

/* ---------- legal ---------- */
.legal{max-width:74ch}
.legal h2{font-size:22px;font-weight:600;margin:34px 0 8px}
.legal h2:first-child{margin-top:0}
.legal p{color:var(--body);margin-bottom:12px;font-size:16.5px;line-height:1.7}
.legal a{border-bottom:1px solid var(--ac)}

/* ---------- footer ---------- */
footer{background:#0D0D0D;color:#ADA79B;padding:clamp(48px,6vw,72px) 0 28px;font-size:14.5px}
.f-top{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(4,minmax(0,1fr));gap:32px;padding-bottom:40px;border-bottom:1px solid var(--ink-line)}
.f-top img{height:52px;width:auto;margin-bottom:18px}
.f-top p{max-width:36ch}
.f-top h4{font-size:13px;font-weight:600;color:var(--on-ink);margin-bottom:12px}
.f-top ul{list-style:none;display:grid;gap:8px}
.f-top a:hover{color:#fff}
.f-mid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;padding:24px 0;border-bottom:1px solid var(--ink-line);font-size:13.5px}
.f-mid b{color:var(--on-ink);font-weight:600;display:block;margin-bottom:2px}
.f-legal{padding-top:24px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:32px;font-size:12.5px;color:#7D786F;line-height:1.6}
.f-legal a{text-decoration:underline}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .fc{grid-column:span 6}
  .hero-bk .hero-grid{grid-template-columns:minmax(0,1fr)}
  .hero-bk .tsheet{max-width:620px}
  .hrail{grid-template-columns:repeat(2,minmax(0,1fr))}
  .hrail li:nth-child(3){border-left:0}
  .hrail li:nth-child(n+3){border-top:1px solid rgba(255,255,255,.12)}
  .hrail li:nth-child(odd) a{padding-left:0}
  .nav ul a{padding:10px 8px;font-size:14px}
  .structs{grid-template-columns:repeat(2,minmax(0,1fr))}
  .struct:nth-child(3){border-left:0;padding-left:0}
  .struct:nth-child(n+3){border-top:1px solid var(--line)}
  .f-top{grid-template-columns:repeat(3,minmax(0,1fr))}
  .f-top>div:first-child{grid-column:1/-1}
}
@media (max-width:980px){
  .hero-bk .hero-grid{grid-template-columns:minmax(0,1fr)}
  .hero-sigma{right:-14vw;height:52%}
  .menu-btn{display:block}
  .nav .btn{display:none}
  .brand img{height:42px}
  .nav ul{position:fixed;left:0;right:0;top:76px;bottom:0;background:var(--ink);flex-direction:column;padding:16px var(--gut);gap:0;opacity:0;visibility:hidden;transition:opacity .2s,visibility 0s .2s;overflow-y:auto}
  .nav.open ul{opacity:1;visibility:visible;transition:opacity .2s}
  .nav ul a{font-size:20px;padding:14px 0;border-bottom:1px solid var(--ink-line)}
  .nav ul a.active::after{display:none}
  .nav ul a.active{color:var(--ac)}
  .nav ul li.m-cta{display:block;margin-top:20px}
  .nav ul li.m-cta a{background:var(--ac);color:#fff;text-align:center;font-size:16px;font-weight:600;border:0;border-radius:3px}
  .hero-grid,.stack-grid,.split,.form-grid,.sdetail,.article-wrap,.market,.next .wrap{grid-template-columns:minmax(0,1fr)}
  .stack-side,.toc{position:static}
  .toc{display:none}
  .mandates,.desks{grid-template-columns:minmax(0,1fr)}
  .mand,.desk,.mand:first-child,.desk:first-child{border-left:0;padding-left:0;padding-right:0;border-bottom:1px solid var(--line)}
  .g-row,.g-scale{grid-template-columns:minmax(0,1fr);gap:10px}
  .g-scale div:first-child{display:none}
  .f-mid,.f-legal{grid-template-columns:minmax(0,1fr)}
}
@media (min-width:981px){.nav ul li.m-cta{display:none}}
@media (max-width:640px){
  body{font-size:16px}
  .fx-title,.fx-l,.fx-tabs,.fx-dl,.tsheet-note{padding-left:16px;padding-right:16px}
  .fx-tabs{flex-wrap:wrap}
  .fc,.fc-lg{grid-column:1/-1}
  .fc{padding:20px}
  .fx-dl div{grid-template-columns:100px minmax(0,1fr)}
  .hero-bk .hero-cities{display:none}
  .hrail{grid-template-columns:minmax(0,1fr)}
  .hrail li+li,.hrail li:nth-child(3){border-left:0;border-top:1px solid rgba(255,255,255,.12)}
  .hrail a,.hrail li:first-child a{padding-left:0;padding-right:0}
  .hero-sigma{right:-34vw;height:46%}
  .hero-bk .actions{flex-direction:column;align-items:stretch}
  .hero-bk .actions .btn{justify-content:center}
  .hero-link{align-self:flex-start}
  #lender-types .tbl{table-layout:fixed;font-size:13.5px}
  #lender-types .tbl th,#lender-types .tbl td{padding-right:8px;overflow-wrap:anywhere}
  #lender-types .tbl th:first-child,#lender-types .tbl td:first-child{width:27%}
  .structs{grid-template-columns:minmax(0,1fr)}
  .struct,.struct:nth-child(3){border-left:0;padding-left:0;padding-right:0;border-top:1px solid var(--line)}
  .struct:first-child{border-top:0}
  .princ{grid-template-columns:minmax(0,1fr)}
  .princ div,.princ div:nth-child(even){padding:22px 0;border-left:0}
  .f-row,.cols2,.terms{grid-template-columns:minmax(0,1fr)}
  .seg{grid-template-columns:repeat(2,minmax(0,1fr))}
  .f-top{grid-template-columns:repeat(2,minmax(0,1fr))}
  .rate{gap:10px}
  .faq .ans{padding-right:0}
  .hero .actions .btn{flex:1;justify-content:center}
  .nlist a{grid-template-columns:minmax(0,1fr) 20px;gap:4px 12px}
  .nlist .d{grid-column:1/-1}
  .kv div{grid-template-columns:minmax(0,1fr)}
  .kv span{text-align:left}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
.princ.lt{border-color:var(--text)}
.princ.lt div{border-color:var(--line)}
.princ.lt h3{color:var(--text)}
.princ.lt p{color:var(--body)}