/* Digital Lending Innovation — site styles (2026 refresh, bright brand theme) */
/* Layout: bright white canvas with soft cool bands; DLI navy for type, closing band and footer; DLI cyan as the signal accent */
:root {
  --navy: #001241;          /* DLI brand navy */
  --navy-2: #0a1d55;
  --cyan: #00afef;          /* DLI brand cyan */
  --cyan-ink: #007db8;      /* cyan, deepened for readable text on white */
  --cyan-soft: #e6f6fd;
  --cyan-line: #b9e5f8;
  --bg: #ffffff;
  --bg-soft: #f4f8fc;
  --text: #001241;
  --muted: #56607d;
  --line: #e3e9f2;
  --on-navy: #eef3ff;
  --on-navy-muted: #a9b3d4;
  --navy-line: rgba(255, 255, 255, 0.14);
  --radius: 18px;
  --max: 1180px;
  --display: "Raleway", "Helvetica Neue", Arial, sans-serif;   /* DLI brand font (original site) */
  --body: "Open Sans", system-ui, -apple-system, "Segoe UI", sans-serif;   /* DLI brand body font (original site) */
  --label: "Raleway", "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--text);
  font-family: var(--body); font-size: 17px; line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3 { font-family: var(--display); font-weight: 700; letter-spacing: -0.015em; line-height: 1.1; margin: 0; text-wrap: balance; color: var(--navy); }
p { margin: 0; }
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.nowrap { white-space: nowrap; }
.accent { color: var(--cyan-ink); }
.muted { color: var(--muted); }

/* ---------- Logo ---------- */
.logo { display: inline-flex; align-items: center; }
.logo img { height: 46px; width: auto; }
.footer .logo img { height: 58px; }

/* ---------- Nav ---------- */
.nav {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: saturate(160%) blur(14px); -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.nav-links { display: flex; align-items: center; gap: 32px; font-size: 15px; font-weight: 600; font-family: var(--display); }
.nav-links a { color: var(--muted); transition: color .2s; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--navy); }
.nav-links a.btn, .nav-links a.btn:hover { color: #fff; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); color: var(--navy); border-radius: 10px; width: 42px; height: 42px; cursor: pointer; }
.nav-toggle span { display: block; width: 18px; height: 2px; background: currentColor; margin: 4px auto; border-radius: 2px; }

/* ---------- Buttons ---------- */
.btn {
  font-family: var(--display); letter-spacing: .01em;
  display: inline-flex; align-items: center; gap: 10px; padding: 13px 22px; border-radius: 999px;
  font-weight: 600; font-size: 15px; border: 1px solid transparent; cursor: pointer;
  transition: transform .2s, box-shadow .2s, background .2s, border-color .2s, color .2s;
}
.btn-primary { background: var(--navy); color: #fff; box-shadow: 0 10px 26px -14px rgba(0, 18, 65, .8); }
.btn-primary .arrow { color: var(--cyan); }
.btn-primary:hover { background: var(--navy-2); transform: translateY(-1px); box-shadow: 0 14px 30px -14px rgba(0, 18, 65, .9); }
.btn-cyan { background: var(--cyan); color: var(--navy); }
.btn-cyan:hover { background: #2bbef3; transform: translateY(-1px); }
.btn-ghost { border-color: #cfd8e6; color: var(--navy); background: #fff; }
.btn-ghost:hover { border-color: var(--navy); }
.btn-light { border-color: var(--navy-line); color: var(--on-navy); }
.btn-light:hover { border-color: var(--cyan); }
.nav .btn { padding: 10px 18px; font-size: 14px; }
.arrow { transition: transform .2s; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; padding: 88px 0 104px; background: var(--bg); }
.hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(620px 420px at 88% 6%, rgba(0, 175, 239, .17), transparent 62%),
    radial-gradient(520px 380px at 2% 98%, rgba(0, 18, 65, .05), transparent 60%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .75;
  background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at 62% 18%, #000 15%, transparent 65%);
  -webkit-mask-image: radial-gradient(ellipse at 62% 18%, #000 15%, transparent 65%);
}
.hero .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.eyebrow {
  font-family: var(--label); font-weight: 700; display: inline-flex; align-items: center; gap: 10px;
  font-size: 12.5px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--cyan-ink);
  padding: 7px 14px; border: 1px solid var(--cyan-line); border-radius: 999px; background: var(--cyan-soft);
}
.eyebrow .tri { width: 8px; height: 9px; background: var(--cyan); clip-path: polygon(100% 0, 0 50%, 100% 100%); }
.hero h1 { font-size: clamp(40px, 5.6vw, 64px); margin: 22px 0; font-weight: 700; }
.lead { font-size: 19px; color: var(--muted); max-width: 560px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

.hero-visual { position: relative; }
.hero-visual .frame {
  border-radius: 24px; overflow: hidden; aspect-ratio: 4 / 4.4; max-width: 100%; background: var(--navy);
  box-shadow: 0 40px 80px -36px rgba(0, 18, 65, .5);
}
.hero-visual .frame img { width: 100%; height: 100%; object-fit: cover; }
.float-card {
  position: absolute; left: -36px; bottom: 36px; width: 290px;
  background: rgba(255, 255, 255, .93); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px;
  box-shadow: 0 24px 50px -24px rgba(0, 18, 65, .45);
}
.float-card h4 { font-family: var(--label); font-weight: 700; margin: 0 0 12px; font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.steps li { display: flex; align-items: center; gap: 12px; font-size: 14px; font-weight: 500; color: var(--navy); }
.steps .tick { width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; font-size: 12px; background: var(--cyan-soft); color: var(--cyan-ink); border: 1px solid var(--cyan-line); flex: none; }
.steps li.now .tick { background: var(--cyan); color: var(--navy); border: none; }
.steps li.next { color: var(--muted); }
.steps li.next .tick { background: #fff; color: var(--muted); border-color: var(--line); }

/* ---------- Values strip ---------- */
.values { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--bg-soft); }
.values .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.value { padding: 30px 24px; border-left: 1px solid var(--line); }
.value:first-child { border-left: none; padding-left: 0; }
.value h3 { font-size: 18px; margin-bottom: 6px; display: flex; align-items: center; gap: 10px; }
.value h3::before { content: ""; width: 8px; height: 9px; flex: none; background: var(--cyan); clip-path: polygon(100% 0, 0 50%, 100% 100%); }
.value p { font-size: 14px; color: var(--muted); line-height: 1.5; }

/* ---------- Sections ---------- */
.section { padding: 112px 0; }
.section.soft { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section.tail { padding-top: 0; }
.section-head { max-width: 720px; margin-bottom: 56px; }
.kicker { font-family: var(--label); font-weight: 700; font-size: 12.5px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--cyan-ink); margin-bottom: 16px; display: block; }
.section h2 { font-size: clamp(30px, 4vw, 46px); font-weight: 700; margin-bottom: 18px; }
.section-head p { color: var(--muted); font-size: 18px; }

.cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card {
  border-radius: var(--radius); padding: 36px; background: #fff; border: 1px solid var(--line);
  box-shadow: 0 1px 2px rgba(0, 18, 65, .04); transition: border-color .25s, transform .25s, box-shadow .25s;
}
.card:hover { border-color: var(--cyan-line); transform: translateY(-2px); box-shadow: 0 22px 44px -28px rgba(0, 18, 65, .35); }
.card .icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 26px; background: var(--cyan-soft); border: 1px solid var(--cyan-line); color: var(--cyan-ink); }
.card h3 { font-size: 24px; margin-bottom: 12px; }
.card p { color: var(--muted); }
.card .link { display: inline-flex; gap: 8px; margin-top: 22px; font-weight: 600; font-size: 15px; color: var(--cyan-ink); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.split > * { min-width: 0; }
.media { border-radius: 24px; overflow: hidden; aspect-ratio: 5 / 4; max-width: 100%; background: var(--navy); box-shadow: 0 30px 60px -36px rgba(0, 18, 65, .5); }
.media img { width: 100%; height: 100%; object-fit: cover; }
.checks { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 14px; }
.checks li { display: flex; gap: 14px; align-items: flex-start; }
.checks li::before {
  content: "✓"; flex: none; width: 24px; height: 24px; border-radius: 50%; margin-top: 2px;
  display: grid; place-items: center; font-size: 12px; font-weight: 700;
  background: var(--cyan-soft); color: var(--cyan-ink); border: 1px solid var(--cyan-line);
}
.checks a { color: var(--cyan-ink); font-weight: 600; word-break: break-word; }

/* ---------- CTA band (brand navy) ---------- */
.cta { position: relative; border-radius: 28px; overflow: hidden; padding: 72px 64px; isolation: isolate; background: var(--navy); color: var(--on-navy); }
.cta .bg { position: absolute; inset: 0; z-index: -2; }
.cta .bg img { width: 100%; height: 100%; object-fit: cover; }
.cta::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(0, 18, 65, .96) 32%, rgba(0, 18, 65, .5)); }
.cta h2 { font-size: clamp(30px, 4vw, 44px); max-width: 620px; margin-bottom: 16px; color: #fff; }
.cta p { color: var(--on-navy-muted); max-width: 540px; font-size: 18px; }
.cta .kicker { color: var(--cyan); }
.cta .hero-cta { margin-top: 30px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { position: relative; overflow: hidden; padding: 88px 0 72px; border-bottom: 1px solid var(--line); background: var(--bg); }
.page-hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(700px 360px at 85% 0%, rgba(0, 175, 239, .16), transparent 60%);
}
.page-hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .7;
  background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at 80% 0%, #000 10%, transparent 60%);
  -webkit-mask-image: radial-gradient(ellipse at 80% 0%, #000 10%, transparent 60%);
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(36px, 5vw, 58px); font-weight: 700; margin: 20px 0 18px; max-width: 820px; }
.page-hero .lead { max-width: 640px; }

/* ---------- Service detail ---------- */
.service { display: grid; grid-template-columns: 1fr 1.1fr; gap: 64px; align-items: start; padding: 56px 0; border-top: 1px solid var(--line); }
.service:first-of-type { border-top: none; padding-top: 0; }
.service .num { font-family: var(--label); font-weight: 700; font-size: 13px; color: var(--cyan-ink); font-weight: 500; letter-spacing: .1em; }
.service h3 { font-size: 32px; margin: 12px 0 0; }
.service p { color: var(--muted); font-size: 18px; }
.service p + p { margin-top: 16px; }
.tags { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.tag { font-size: 14px; font-weight: 500; padding: 8px 14px; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: var(--navy); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: start; }
.contact-grid > * { min-width: 0; }
.info-list { display: grid; gap: 16px; }
.info { display: flex; gap: 18px; align-items: flex-start; padding: 24px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); transition: border-color .2s; }
a.info:hover { border-color: var(--cyan-line); }
.info .icon { width: 46px; height: 46px; border-radius: 12px; flex: none; display: grid; place-items: center; background: var(--cyan-soft); border: 1px solid var(--cyan-line); color: var(--cyan-ink); }
.info .label { font-family: var(--label); font-weight: 700; font-size: 11.5px; font-weight: 500; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); }
.info .value-text { display: block; font-size: 18px; font-weight: 600; color: var(--navy); line-height: 1.45; margin-top: 2px; word-break: break-word; }
.map { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); height: 260px; margin-top: 16px; background: var(--bg-soft); }
.map iframe { width: 100%; height: 100%; border: 0; display: block; }

.form-card { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 40px; box-shadow: 0 30px 60px -40px rgba(0, 18, 65, .35); }
.form-card h2 { font-size: 30px; margin-bottom: 8px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 28px; }
.field { display: grid; gap: 8px; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 14px; font-weight: 600; color: var(--navy); }
.field input, .field textarea {
  font: inherit; font-size: 16px; color: var(--navy); padding: 13px 15px; border-radius: 12px;
  border: 1px solid var(--line); background: var(--bg-soft); transition: border-color .2s, box-shadow .2s, background .2s;
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--cyan); background: #fff; box-shadow: 0 0 0 4px rgba(0, 175, 239, .18); }
.form-note { font-size: 14px; color: var(--muted); margin-top: 16px; }
.form-card .btn { margin-top: 24px; }

/* ---------- Footer (brand navy) ---------- */
.footer { background: var(--navy); color: var(--on-navy); padding: 64px 0 36px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer-grid > * { min-width: 0; }
.footer h5 { font-family: var(--label); font-weight: 700; margin: 0 0 16px; font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--on-navy-muted); font-weight: 500; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; font-size: 15px; }
.footer li { word-break: break-word; }
.footer a:hover { color: var(--cyan); }
.footer .blurb { color: var(--on-navy-muted); font-size: 15px; margin-top: 20px; max-width: 320px; }
.footer address { font-style: normal; font-size: 15px; line-height: 1.7; }
.footer-bottom { margin-top: 56px; padding-top: 24px; border-top: 1px solid var(--navy-line); font-size: 14px; color: var(--on-navy-muted); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }

/* ---------- Motion & focus ---------- */
:focus-visible { outline: 2px solid var(--cyan); outline-offset: 3px; border-radius: 6px; }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; } html { scroll-behavior: auto; } }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero .wrap, .split, .service, .contact-grid { grid-template-columns: 1fr; }
  .hero { padding: 64px 0 80px; }
  .hero-visual { max-width: 520px; }
  .float-card { left: 16px; bottom: 16px; }
  .values .wrap { grid-template-columns: repeat(2, 1fr); }
  .value:nth-child(3) { border-left: none; padding-left: 0; }
  .value { border-top: 1px solid var(--line); }
  .value:nth-child(-n+2) { border-top: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .split { gap: 40px; }
  .service { gap: 16px; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .logo img { height: 38px; }
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 78px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 24px 24px; display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav-links .btn { margin-top: 16px; justify-content: center; border-bottom: none; padding: 13px 22px; }
  .section { padding: 80px 0; }
  .cards { grid-template-columns: 1fr; }
  .card { padding: 28px; }
  .cta { padding: 48px 28px; }
  .form-card { padding: 28px 22px; }
  .form-grid { grid-template-columns: 1fr; }
  .values .wrap { grid-template-columns: 1fr; }
  .value, .value:nth-child(3) { border-left: none; padding-left: 0; border-top: 1px solid var(--line); }
  .value:first-child { border-top: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .float-card { width: auto; right: 16px; }
}

/* ---------- Form status ---------- */
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin-top: 16px; padding: 14px 16px; border-radius: 12px; font-size: 15px; font-weight: 600; }
.form-status.ok { background: #e7f8ef; color: #0d6b3c; border: 1px solid #b6e8cb; }
.form-status.err { background: #fdecec; color: #9b1c1c; border: 1px solid #f5c2c2; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }