/* 10X Capital — static visual build */
:root{
  --ink:#0E1A2B;
  --ink-2:#172840;
  --ink-line:rgba(255,255,255,.12);
  --gold:#C9A45C;
  --gold-hi:#E2C68C;
  --gold-deep:#8F6E2E;
  --paper:#FFFFFF;
  --mist:#EEF1F5;
  --text:#18212E;
  --muted:#586273;
  --line:#DCE1E8;
  --ok:#1E7A4C;
  --serif:"Fraunces", Georgia, "Times New Roman", serif;
  --sans:"Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --r-sm:8px; --r-md:14px; --r-lg:22px;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.6;color:var(--text);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.12;letter-spacing:-.01em;margin:0;font-variation-settings:"opsz" 96}
h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}
h3{font-size:1.3rem;font-variation-settings:"opsz" 24}
p{margin:0}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem/1 var(--sans);padding:17px 26px;border-radius:999px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.btn--gold{background:linear-gradient(180deg,var(--gold-hi),var(--gold));color:var(--ink);border-color:var(--gold)}
.btn--gold:hover{background:var(--gold-hi)}
.btn--ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.btn--ghost:hover{border-color:var(--gold-hi);color:var(--gold-hi)}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:var(--ink-2)}
.btn--sm{padding:11px 18px;font-size:.92rem}
.btn--block{width:100%}

/* Strip + header */
.strip{background:#08111D;color:rgba(255,255,255,.7);font-size:.85rem}
.strip__in{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px}
.strip__phones{display:flex;gap:20px}
.strip a{text-decoration:none;color:#fff}
.strip a:hover{color:var(--gold-hi)}
.head{position:sticky;top:0;z-index:50;background:rgba(14,26,43,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--ink-line)}
.head__in{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand img{height:40px;width:auto}
.nav{display:flex;align-items:center;gap:28px}
.nav a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.95rem;font-weight:500}
.nav a:hover{color:#fff}
.nav a.nav__cta{color:var(--ink)}
.nav-toggle,.burger{display:none}

/* Hero */
.hero{background:
  radial-gradient(900px 500px at 85% 10%,rgba(201,164,92,.16),transparent 60%),
  linear-gradient(180deg,var(--ink) 0%,#0B1624 100%);color:#fff;padding:72px 0 88px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:520px;height:520px;border:1px solid rgba(201,164,92,.18);border-radius:50%;pointer-events:none}
.hero__grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center;position:relative;z-index:1}
.hero__kicker{color:var(--gold-hi);font-weight:600;font-size:.95rem;margin-bottom:20px}
.hero h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:400;line-height:1.04;letter-spacing:-.02em;max-width:15ch;font-variation-settings:"opsz" 144}
.hero__lead{margin-top:24px;font-size:1.13rem;color:rgba(255,255,255,.76);max-width:52ch}
.ticks{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:12px}
.ticks li{position:relative;padding-left:32px;color:rgba(255,255,255,.9)}
.ticks li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:rgba(201,164,92,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M6 10.2l2.6 2.6L14 7.4' fill='none' stroke='%23E2C68C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat}
.hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
.proof{display:flex;gap:0;margin:44px 0 0;padding-top:28px;border-top:1px solid var(--ink-line)}
.proof div{flex:1;padding-right:20px}
.proof div+div{padding-left:20px;border-left:1px solid var(--ink-line)}
.proof dt{font-family:var(--serif);font-size:1.9rem;color:var(--gold-hi);line-height:1}
.proof dd{margin:8px 0 0;font-size:.88rem;color:rgba(255,255,255,.62)}

/* Lead form */
.card-form{background:var(--paper);color:var(--text);border-radius:var(--r-lg);padding:32px;box-shadow:0 30px 80px -20px rgba(0,0,0,.55);border-top:4px solid var(--gold);display:grid;gap:16px;scroll-margin-top:100px}
.card-form__head{margin-bottom:4px}
.card-form h2{font-size:1.65rem}
.card-form__head p{color:var(--muted);margin-top:6px;font-size:.95rem}
.card-form label{display:grid;gap:6px;font-size:.85rem;font-weight:600;color:var(--text)}
.card-form input,.card-form select{font:500 1rem var(--sans);color:var(--text);width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:var(--r-sm);background:#fff;appearance:none;-webkit-appearance:none}
.card-form select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%23586273' stroke-width='1.6'/%3E%3C/svg%3E") right 14px center/12px no-repeat;padding-right:36px}
.card-form input:focus,.card-form select:focus{outline:none;border-color:var(--gold-deep);box-shadow:0 0 0 3px rgba(201,164,92,.22)}
.phone{display:flex;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden}
.phone span{padding:13px 12px;background:var(--mist);color:var(--muted);font-weight:600}
.phone input{border:0;border-radius:0}
.phone:focus-within{border-color:var(--gold-deep);box-shadow:0 0 0 3px rgba(201,164,92,.22)}
.phone input:focus{box-shadow:none}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.card-form .btn{margin-top:6px}
.card-form__note{text-align:center;font-size:.88rem;color:var(--muted)}
.card-form__note a{color:var(--ok);font-weight:600}

/* Lenders */
.lenders{padding:56px 0 64px;border-bottom:1px solid var(--line)}
.lenders__title{font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--muted);text-align:center;letter-spacing:0;margin-bottom:32px}
.logos{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:12px}
.logos li{flex:0 0 calc((100% - 72px)/7);height:84px;display:flex;align-items:center;justify-content:center;padding:14px 18px;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
.logos img{max-height:44px;max-width:100%;width:auto;object-fit:contain}

/* Section base */
.sec{padding:104px 0}
.sec--tint{background:var(--mist)}
.sec__head{max-width:640px;margin-bottom:48px}
.sec__head p{margin-top:14px;color:var(--muted);font-size:1.08rem}

/* Loans */
.loans{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.loan{padding:36px 32px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:12px;transition:background .2s}
.loan:hover{background:var(--mist)}
.loan p{color:var(--muted);flex:1}
.loan a{align-self:flex-start;font-weight:700;font-size:.95rem;color:var(--gold-deep);text-decoration:none;border-bottom:1.5px solid rgba(143,110,46,.35);padding-bottom:2px;margin-top:8px}
.loan a:hover{border-color:var(--gold-deep)}

/* Why / compare */
.why{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}
.why__intro p{margin:18px 0 30px;color:var(--muted);font-size:1.08rem}
.compare{background:#fff;border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line)}
.compare__row{display:grid;grid-template-columns:1fr 1fr 1.15fr}
.compare__row>span{padding:18px 22px;border-top:1px solid var(--line)}
.compare__row--head>span{border-top:0;font-weight:700;font-size:.9rem;padding-top:22px;padding-bottom:16px}
.compare__row>span:first-child{font-weight:600}
.compare__row>span:nth-child(2){color:var(--muted)}
.compare__row>span:nth-child(3){background:var(--ink);color:#fff;border-top-color:var(--ink-line);position:relative;padding-left:44px}
.compare__row:not(.compare__row--head)>span:nth-child(3)::before{content:"";position:absolute;left:18px;top:21px;width:16px;height:16px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4.5 10.5l3.5 3.5 7.5-8' fill='none' stroke='%23E2C68C' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}
.compare__row--head>span:nth-child(3){color:var(--gold-hi);padding-left:22px}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding-top:72px}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:1.3rem;background:var(--ink);color:var(--gold-hi)}
.steps li:not(:last-child)::after{content:"";position:absolute;top:24px;left:64px;right:-12px;height:1px;background:linear-gradient(90deg,var(--gold),rgba(201,164,92,0))}
.steps p{margin-top:10px;color:var(--muted)}

/* EMI */
.emi{background:var(--ink);color:#fff;padding:104px 0}
.emi__grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:center}
.emi__copy p{margin:18px 0 30px;color:rgba(255,255,255,.7);font-size:1.08rem;max-width:44ch}
.calc{background:var(--ink-2);border:1px solid var(--ink-line);border-radius:var(--r-lg);padding:36px;display:grid;gap:28px}
.calc__label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.calc__label label{color:rgba(255,255,255,.72);font-size:.95rem}
.calc__label output{font-family:var(--serif);font-size:1.35rem;color:#fff}
.calc input[type=range]{--p:50%;-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--gold) var(--p),rgba(255,255,255,.15) var(--p));outline-offset:6px}
.calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--gold);cursor:pointer}
.calc input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:5px solid var(--gold);cursor:pointer}
.calc__result{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding-top:28px;border-top:1px solid var(--ink-line);align-items:center}
.calc__emi span{display:block;color:rgba(255,255,255,.62);font-size:.9rem}
.calc__emi strong{font-family:var(--serif);font-weight:500;font-size:clamp(2rem,4vw,2.8rem);color:var(--gold-hi);line-height:1.1}
.calc__result dl{margin:0;display:grid;gap:10px}
.calc__result dl div{display:flex;justify-content:space-between;gap:12px;font-size:.95rem}
.calc__result dt{color:rgba(255,255,255,.62)}
.calc__result dd{margin:0;font-weight:600}

/* About */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}
.about__intro p{margin-top:18px;color:var(--muted);font-size:1.08rem}
.founders{display:grid;gap:20px}
.founder{display:grid;grid-template-columns:72px 1fr;gap:22px;padding:30px;border:1px solid var(--line);border-radius:var(--r-lg)}
.founder__mark{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:1.9rem;color:var(--gold-hi);background:var(--ink)}
.founder__role{font-size:.9rem;font-weight:600;color:var(--gold-deep);margin:4px 0 10px}
.founder p:last-child{color:var(--muted)}

/* Quotes */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.quote{margin:0;background:#fff;border-radius:var(--r-lg);padding:32px;display:flex;flex-direction:column;justify-content:space-between;gap:28px}
.quote blockquote{margin:0;font-family:var(--serif);font-size:1.18rem;line-height:1.5;font-variation-settings:"opsz" 24}
.quote blockquote::before{content:"";display:block;width:78px;height:14px;margin-bottom:18px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 78 14'%3E%3Cg fill='%23C9A45C'%3E%3Cpath id='s' d='M7 0l2.1 4.5 4.9.6-3.6 3.3 1 4.9L7 10.9 2.6 13.3l1-4.9L0 5.1l4.9-.6z'/%3E%3Cuse href='%23s' x='16'/%3E%3Cuse href='%23s' x='32'/%3E%3Cuse href='%23s' x='48'/%3E%3Cuse href='%23s' x='64'/%3E%3C/g%3E%3C/svg%3E") no-repeat}
.quote figcaption{display:grid;gap:2px;padding-top:20px;border-top:1px solid var(--line)}
.quote figcaption span{color:var(--muted);font-size:.9rem}

/* FAQ */
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px}
.faq__intro p{margin-top:18px;color:var(--muted)}
.faq__intro a{color:var(--gold-deep);font-weight:600}
.faq__list details{border-bottom:1px solid var(--line)}
.faq__list details:first-child{border-top:1px solid var(--line)}
.faq__list summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:600;font-size:1.08rem;position:relative}
.faq__list summary::-webkit-details-marker{display:none}
.faq__list summary::after{content:"";position:absolute;right:4px;top:50%;width:14px;height:14px;margin-top:-7px;background:linear-gradient(var(--gold-deep),var(--gold-deep)) center/14px 2px no-repeat,linear-gradient(var(--gold-deep),var(--gold-deep)) center/2px 14px no-repeat;transition:transform .2s}
.faq__list details[open] summary::after{transform:rotate(45deg)}
.faq__list details p{padding:0 44px 24px 0;color:var(--muted)}

/* Final CTA */
.final{background:linear-gradient(135deg,#1A2D47,var(--ink) 60%);color:#fff;padding:96px 0;text-align:center;position:relative;overflow:hidden}
.final::before{content:"";position:absolute;inset:auto -10% -60% -10%;height:120%;background:radial-gradient(closest-side,rgba(201,164,92,.18),transparent);pointer-events:none}
.final__in{position:relative}
.final h2{font-size:clamp(2rem,4vw,3.2rem);max-width:20ch;margin:0 auto}
.final p{margin-top:16px;color:rgba(255,255,255,.72);font-size:1.08rem}
.final__actions{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:36px}

/* Footer */
.foot{background:#08111D;color:rgba(255,255,255,.62);padding:72px 0 0;font-size:.95rem}
.foot__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
.foot__brand img{height:44px;width:auto;margin-bottom:18px}
.foot__brand p{max-width:34ch}
.foot h4{font-family:var(--sans);color:#fff;font-size:.95rem;margin:0 0 16px}
.foot a,.foot__grid p{display:block;text-decoration:none;padding:4px 0}
.foot a:hover{color:var(--gold-hi)}
.foot__base{display:flex;justify-content:space-between;gap:24px;padding-top:24px;padding-bottom:28px;border-top:1px solid var(--ink-line);font-size:.82rem;color:rgba(255,255,255,.45)}
.foot__base p:last-child{max-width:60ch;text-align:right}

/* Mobile bar */
.mbar{display:none}

/* Responsive */
@media (max-width:1024px){
  .logos li{flex-basis:calc((100% - 48px)/5)}
  .hero__grid,.why,.emi__grid,.about,.faq{grid-template-columns:1fr;gap:44px}
  .hero h1{max-width:18ch}
  .loans{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:44px}
  .steps li:nth-child(2)::after{display:none}
  .quotes{grid-template-columns:1fr}
  .foot__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .burger{display:flex;flex-direction:column;gap:6px;cursor:pointer;padding:10px}
  .burger span{display:block;width:24px;height:2px;background:#fff;transition:transform .2s}
  .nav{position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--ink);padding:8px 24px 24px;border-bottom:1px solid var(--ink-line);display:none}
  .nav a{padding:14px 0;border-bottom:1px solid var(--ink-line);font-size:1.05rem}
  .nav a.nav__cta{margin-top:16px;border:0;padding:15px}
  .nav-toggle:checked ~ .nav{display:flex}
  .nav-toggle:checked + .burger span:first-child{transform:translateY(4px) rotate(45deg)}
  .nav-toggle:checked + .burger span:last-child{transform:translateY(-4px) rotate(-45deg)}
  .nav-toggle{display:block;position:absolute;opacity:0;width:1px;height:1px}
  .nav-toggle:focus-visible + .burger{outline:2px solid var(--gold);border-radius:6px}
}
@media (max-width:640px){
  .logos{gap:8px}
  .logos li{flex-basis:calc((100% - 16px)/3);height:64px;padding:10px}
  .logos img{max-height:32px}
  body{padding-bottom:64px}
  .strip p:first-child{display:none}
  .strip__in{justify-content:center}
  .hero{padding:48px 0 64px}
  .proof{flex-direction:column;gap:18px}
  .proof div+div{padding-left:0;border-left:0}
  .proof div{display:flex;align-items:baseline;gap:14px}
  .proof dd{margin:0}
  .hero__actions .btn{width:100%}
  .card-form{padding:24px}
  .row2{grid-template-columns:1fr}
  .sec,.emi{padding:72px 0}
  .loans{grid-template-columns:1fr}
  .loan{padding:28px 24px}
  .compare__row{grid-template-columns:1fr 1fr}
  .compare__row>span:first-child{grid-column:1/-1;background:var(--mist);padding-top:12px;padding-bottom:12px;font-size:.88rem}
  .compare__row--head>span:first-child{display:none}
  .compare__row>span{padding:14px 16px;font-size:.92rem}
  .compare__row>span:nth-child(3){padding-left:38px}
  .compare__row:not(.compare__row--head)>span:nth-child(3)::before{left:14px;top:17px}
  .steps{grid-template-columns:1fr}
  .steps li{padding:0 0 0 72px;min-height:48px}
  .steps li::after{display:none}
  .calc{padding:24px}
  .calc__result{grid-template-columns:1fr}
  .founder{grid-template-columns:1fr;padding:24px}
  .final__actions .btn{width:100%}
  .foot__grid{grid-template-columns:1fr}
  .foot__base{flex-direction:column}
  .foot__base p:last-child{text-align:left}
  .mbar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--ink);border-top:1px solid var(--ink-line)}
  .mbar a{padding:18px 8px;text-align:center;color:#fff;text-decoration:none;font-weight:600;font-size:.95rem}
  .mbar a+a{border-left:1px solid var(--ink-line)}
  .mbar__primary{background:var(--gold);color:var(--ink)!important}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important}
}