/* ===== On Time Capital — design system ===== */

:root {
  --ink: #0c0c0e;
  --ink-2: #2a2a2d;
  --ink-3: #5b5b62;
  --bone: #f7f5f0;
  --bone-2: #efece4;
  --paper: #ffffff;
  --line: #e3dfd4;
  --line-2: #d4cfc1;
  --green: #00b96b;
  --green-deep: #008a4e;
  --gold: #c89a3a;
  --rust: #c95835;
  --shadow: 0 1px 0 rgba(12, 12, 14, 0.04), 0 24px 48px -24px rgba(12, 12, 14, 0.18);
  --shadow-sm: 0 1px 2px rgba(12, 12, 14, 0.06);
  --radius: 4px;
  --radius-lg: 10px;
  --serif: "Iowan Old Style", "Apple Garamond", "Baskerville", "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Inter", "Helvetica Neue", Arial, sans-serif;
  --mono: "SF Mono", ui-monospace, "JetBrains Mono", "Menlo", monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--bone);
  line-height: 1.55;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--ink); text-decoration: none; }
a:hover { color: var(--green-deep); }

img, svg { max-width: 100%; display: block; }

button { font-family: inherit; cursor: pointer; }

/* ===== Layout ===== */
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 245, 240, 0.92);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 68px;
}
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 700; letter-spacing: -0.01em; font-size: 18px;
}
.brand-mark {
  width: 28px; height: 28px;
  background: var(--ink); color: var(--bone);
  display: grid; place-items: center;
  border-radius: 6px;
  font-family: var(--serif); font-style: italic; font-weight: 600;
  font-size: 16px;
}
.brand-name { font-family: var(--serif); font-weight: 600; font-size: 19px; letter-spacing: -0.01em; }
.brand-name em { font-style: italic; color: var(--green-deep); }

.nav-links {
  display: flex; align-items: center; gap: 28px;
  list-style: none; padding: 0; margin: 0;
}
.nav-links a {
  color: var(--ink-2); font-size: 14.5px; font-weight: 500;
  letter-spacing: -0.005em;
}
.nav-links a:hover { color: var(--ink); }

.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px; border-radius: 100px;
  font-weight: 600; font-size: 14.5px; letter-spacing: -0.005em;
  border: 1px solid transparent; transition: transform 80ms ease, background 120ms ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--ink); color: var(--bone); }
.btn-primary:hover { background: var(--green-deep); color: white; }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line-2); }
.btn-ghost:hover { background: var(--paper); }
.btn-lg { padding: 16px 28px; font-size: 16px; }

.nav-toggle { display: none; }

/* ===== Hero ===== */
.hero {
  padding: 88px 0 96px;
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.hero-grid {
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; align-items: center;
}
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--ink-3); font-weight: 600;
  padding: 6px 12px; border: 1px solid var(--line-2); border-radius: 100px;
  background: var(--paper);
}
.eyebrow::before {
  content: "";
  width: 6px; height: 6px; border-radius: 50%; background: var(--green); display: inline-block;
  box-shadow: 0 0 0 4px rgba(0, 185, 107, 0.18);
}
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(40px, 6vw, 72px);
  line-height: 1.02;
  letter-spacing: -0.025em;
  font-weight: 500;
  margin: 22px 0 22px;
}
.hero h1 em { font-style: italic; color: var(--green-deep); }
.hero p.lede {
  font-size: 19px; color: var(--ink-2); max-width: 560px;
  letter-spacing: -0.005em;
}
.hero-cta {
  display: flex; gap: 12px; margin-top: 32px; flex-wrap: wrap;
}
.hero-trust {
  display: flex; gap: 28px; margin-top: 44px; padding-top: 28px;
  border-top: 1px solid var(--line); flex-wrap: wrap;
}
.hero-trust > div { font-size: 13px; color: var(--ink-3); }
.hero-trust strong { display: block; font-size: 22px; color: var(--ink); font-family: var(--serif); font-weight: 600; letter-spacing: -0.02em; }

.hero-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
}
.hero-card h3 {
  font-family: var(--serif); font-weight: 500; font-size: 22px;
  margin: 0 0 4px; letter-spacing: -0.02em;
}
.hero-card .muted { color: var(--ink-3); font-size: 13.5px; margin: 0 0 24px; }
.hero-card .quote-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 14px 0; border-bottom: 1px dashed var(--line);
  font-size: 14.5px;
}
.hero-card .quote-row:last-child { border-bottom: none; }
.hero-card .quote-row .v { font-family: var(--mono); color: var(--ink); font-weight: 600; }
.hero-card .quote-row .v.green { color: var(--green-deep); }

/* ===== Sections ===== */
section { padding: 96px 0; }
.section-head {
  display: flex; flex-direction: column; align-items: flex-start;
  margin-bottom: 56px; max-width: 720px;
}
.section-head h2 {
  font-family: var(--serif);
  font-size: clamp(32px, 4vw, 48px);
  line-height: 1.06;
  letter-spacing: -0.022em;
  font-weight: 500;
  margin: 16px 0 18px;
}
.section-head h2 em { font-style: italic; color: var(--green-deep); }
.section-head p { color: var(--ink-2); font-size: 18px; margin: 0; }

/* ===== Stats strip ===== */
.stats {
  background: var(--ink);
  color: var(--bone);
  padding: 72px 0;
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 48px;
}
.stat .num {
  font-family: var(--serif);
  font-size: clamp(36px, 4.5vw, 56px);
  font-weight: 500;
  letter-spacing: -0.025em;
  line-height: 1;
}
.stat .num em { font-style: italic; color: #4dd99a; }
.stat .label {
  margin-top: 12px; font-size: 13.5px; color: rgba(247, 245, 240, 0.62);
  letter-spacing: 0.01em;
}

/* ===== Products ===== */
.product-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px;
  background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden;
}
.product {
  background: var(--paper); padding: 32px 28px;
  display: flex; flex-direction: column; gap: 16px;
  transition: background 140ms ease;
  position: relative;
}
.product:hover { background: var(--bone-2); }
.product-tag {
  font-family: var(--mono);
  font-size: 11.5px; color: var(--ink-3);
  letter-spacing: 0.04em;
}
.product h3 {
  font-family: var(--serif); font-weight: 500;
  font-size: 26px; letter-spacing: -0.02em; line-height: 1.05;
  margin: 0;
}
.product h3 em { font-style: italic; }
.product .desc { color: var(--ink-2); font-size: 14.5px; flex: 1; }
.product dl {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px; margin: 4px 0 0; padding: 14px 0 0;
  border-top: 1px dashed var(--line);
  font-size: 13px;
}
.product dl dt { color: var(--ink-3); margin: 0; }
.product dl dd { margin: 0; font-family: var(--mono); color: var(--ink); font-weight: 600; }

/* ===== Story / About ===== */
.story-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; align-items: start; }
.story-grid h2 {
  font-family: var(--serif); font-size: clamp(32px, 3.6vw, 44px);
  font-weight: 500; letter-spacing: -0.022em; line-height: 1.08; margin: 0 0 24px;
}
.story-grid h2 em { font-style: italic; color: var(--green-deep); }
.story-body p { font-size: 17px; color: var(--ink-2); margin: 0 0 22px; }
.story-body p .drop {
  font-family: var(--serif); font-size: 56px; line-height: 1; float: left;
  margin: 6px 12px -2px 0; font-weight: 500; color: var(--ink);
}
.timeline { list-style: none; padding: 0; margin: 0; border-left: 1px solid var(--line-2); }
.timeline li {
  position: relative; padding: 0 0 28px 28px;
}
.timeline li::before {
  content: ""; position: absolute; left: -5px; top: 6px;
  width: 9px; height: 9px; background: var(--green); border-radius: 50%;
  box-shadow: 0 0 0 4px var(--bone);
}
.timeline .yr {
  font-family: var(--mono); font-size: 12.5px; color: var(--green-deep);
  letter-spacing: 0.06em; font-weight: 600; text-transform: uppercase;
}
.timeline h4 { margin: 4px 0 6px; font-size: 17px; font-weight: 600; letter-spacing: -0.01em; }
.timeline p { margin: 0; font-size: 14.5px; color: var(--ink-2); }

/* ===== CTA strip ===== */
.cta-strip {
  background: var(--ink); color: var(--bone);
  border-radius: var(--radius-lg);
  padding: 56px;
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  flex-wrap: wrap;
}
.cta-strip h2 {
  font-family: var(--serif); font-weight: 500;
  font-size: clamp(28px, 3.2vw, 38px); letter-spacing: -0.02em;
  margin: 0; max-width: 580px; line-height: 1.1;
}
.cta-strip h2 em { font-style: italic; color: #4dd99a; }
.cta-strip .btn-primary { background: var(--green); color: var(--ink); }
.cta-strip .btn-primary:hover { background: white; }

/* ===== Footer ===== */
.site-footer {
  background: var(--bone-2);
  padding: 72px 0 32px;
  border-top: 1px solid var(--line);
}
.foot-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px;
  margin-bottom: 56px;
}
.foot-grid h5 { font-size: 12px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--ink-3); margin: 0 0 18px; font-weight: 600; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; }
.foot-grid li { margin-bottom: 10px; font-size: 14.5px; }
.foot-bot {
  display: flex; justify-content: space-between; align-items: center;
  border-top: 1px solid var(--line); padding-top: 24px;
  font-size: 12.5px; color: var(--ink-3);
  flex-wrap: wrap; gap: 16px;
}
.foot-bot p { margin: 0; max-width: 720px; }

/* ===== Apply page ===== */
.apply-shell {
  min-height: calc(100vh - 68px);
  background: var(--bone);
  padding: 56px 0 96px;
}
.apply-frame {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.apply-frame-head {
  padding: 32px 40px;
  border-bottom: 1px solid var(--line);
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  flex-wrap: wrap;
}
.apply-frame-head h1 {
  font-family: var(--serif); font-weight: 500;
  font-size: 26px; letter-spacing: -0.02em; line-height: 1.1;
  margin: 0;
}
.apply-frame-head h1 em { font-style: italic; color: var(--green-deep); }
.apply-frame-head p { margin: 4px 0 0; color: var(--ink-3); font-size: 13.5px; }

.progress {
  font-family: var(--mono); font-size: 12px; letter-spacing: 0.04em;
  color: var(--ink-3); display: flex; align-items: center; gap: 12px;
}
.progress-bar {
  width: 160px; height: 4px; background: var(--line); border-radius: 100px; overflow: hidden;
}
.progress-bar > span {
  display: block; height: 100%; background: var(--green); transition: width 240ms ease;
}

.apply-body { padding: 56px 40px 40px; }
.step {
  display: none;
  animation: stepIn 280ms ease;
}
.step.active { display: block; }
@keyframes stepIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.step-num {
  font-family: var(--mono); font-size: 12px; color: var(--green-deep);
  letter-spacing: 0.06em; font-weight: 600; text-transform: uppercase;
}
.step h2 {
  font-family: var(--serif); font-weight: 500;
  font-size: 30px; letter-spacing: -0.02em; line-height: 1.1;
  margin: 12px 0 8px; max-width: 640px;
}
.step h2 em { font-style: italic; color: var(--green-deep); }
.step .help {
  color: var(--ink-3); font-size: 14.5px; margin: 0 0 28px; max-width: 600px;
}

.field { margin-bottom: 22px; }
.field-label {
  display: block; font-size: 13px; font-weight: 600;
  letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--ink-3); margin-bottom: 8px;
}
.field-label .opt { font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--ink-3); margin-left: 6px; font-size: 12px; }
.field-input,
.field-select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--line-2);
  background: var(--paper);
  border-radius: var(--radius);
  font-family: inherit; font-size: 15.5px; color: var(--ink);
  transition: border-color 120ms ease, box-shadow 120ms ease;
  -webkit-appearance: none; appearance: none;
}
.field-input:focus,
.field-select:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 185, 107, 0.15);
}
.field-input::placeholder { color: #aaa6a0; }

.field-row { display: grid; gap: 16px; }
.field-row.cols-2 { grid-template-columns: 1fr 1fr; }
.field-row.cols-3 { grid-template-columns: 2fr 1fr 1fr; }
.field-row.cols-21 { grid-template-columns: 2fr 1fr; }

.field-amount {
  position: relative;
}
.field-amount input {
  font-family: var(--serif);
  font-size: 56px; font-weight: 500; letter-spacing: -0.02em;
  border: none; border-bottom: 2px solid var(--line);
  border-radius: 0; padding: 12px 0 12px 48px;
  background: transparent;
  width: 100%;
}
.field-amount input:focus { border-color: var(--green); box-shadow: none; }
.field-amount::before {
  content: "$";
  position: absolute; left: 0; top: 50%; transform: translateY(-50%);
  font-family: var(--serif); font-size: 56px; font-weight: 500;
  color: var(--ink-3); letter-spacing: -0.02em;
}
.amount-presets {
  display: flex; gap: 8px; margin-top: 16px; flex-wrap: wrap;
}
.amount-preset {
  background: var(--bone-2); border: 1px solid var(--line);
  padding: 8px 14px; border-radius: 100px;
  font-size: 13.5px; color: var(--ink-2); cursor: pointer;
  font-family: inherit;
}
.amount-preset:hover { background: var(--bone); border-color: var(--line-2); }
.amount-preset.active { background: var(--ink); color: var(--bone); border-color: var(--ink); }

.options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.option {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 18px;
  border: 1px solid var(--line-2);
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 120ms ease;
  background: var(--paper);
}
.option:hover { border-color: var(--ink-3); background: var(--bone-2); }
.option input { position: absolute; opacity: 0; pointer-events: none; }
.option-key {
  width: 26px; height: 26px;
  border: 1px solid var(--line-2); border-radius: 4px;
  display: grid; place-items: center;
  font-family: var(--mono); font-size: 12px; font-weight: 600; color: var(--ink-3);
  flex-shrink: 0;
}
.option-text { font-size: 15px; color: var(--ink); font-weight: 500; }
.option.selected {
  border-color: var(--green); background: rgba(0, 185, 107, 0.06);
}
.option.selected .option-key {
  background: var(--green); color: var(--ink); border-color: var(--green);
}

.toggle {
  display: flex; align-items: center; gap: 10px;
  font-size: 14px; color: var(--ink-2); margin-bottom: 18px;
  cursor: pointer; user-select: none;
}
.toggle input { width: 16px; height: 16px; accent-color: var(--green); }

.dropzone {
  border: 1.5px dashed var(--line-2);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  background: var(--bone-2);
  cursor: pointer;
  transition: border-color 120ms ease, background 120ms ease;
}
.dropzone:hover, .dropzone.drag { border-color: var(--green); background: rgba(0, 185, 107, 0.05); }
.dropzone p { margin: 0; color: var(--ink-2); font-size: 14.5px; }
.dropzone .big {
  font-family: var(--serif); font-size: 22px; color: var(--ink);
  font-weight: 500; letter-spacing: -0.015em; margin-bottom: 6px;
}
.dropzone input[type="file"] { display: none; }
.file-list { margin-top: 16px; padding: 0; list-style: none; }
.file-list li {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--paper); border: 1px solid var(--line);
  padding: 10px 14px; border-radius: var(--radius);
  font-size: 14px; margin-bottom: 6px;
}
.file-list li button {
  background: none; border: none; color: var(--rust); cursor: pointer; font-size: 13px;
}

.consent-text {
  font-size: 12.5px; color: var(--ink-3); line-height: 1.55;
  background: var(--bone-2); padding: 18px 20px;
  border: 1px solid var(--line); border-radius: var(--radius);
  max-height: 200px; overflow-y: auto;
  margin-bottom: 22px;
}

.step-nav {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 48px; padding-top: 28px; border-top: 1px solid var(--line);
  gap: 12px;
}
.step-nav .btn-primary { background: var(--ink); color: var(--bone); padding: 14px 28px; }
.step-nav .btn-primary:hover { background: var(--green-deep); color: white; }
.step-nav .btn-back {
  background: none; border: none; color: var(--ink-3); font-size: 14px;
  font-weight: 500; cursor: pointer;
}
.step-nav .btn-back:hover { color: var(--ink); }

.field-error {
  color: var(--rust); font-size: 13px; margin-top: 6px; display: none;
}
.field.invalid .field-input,
.field.invalid .field-select { border-color: var(--rust); }
.field.invalid .field-error { display: block; }

.success-card {
  text-align: center; padding: 64px 32px;
}
.success-card .check {
  width: 64px; height: 64px; margin: 0 auto 24px;
  background: var(--green); border-radius: 50%;
  display: grid; place-items: center; color: white; font-size: 28px;
}
.success-card h2 {
  font-family: var(--serif); font-weight: 500; font-size: 36px;
  letter-spacing: -0.02em; margin: 0 0 12px;
}
.success-card p { color: var(--ink-2); font-size: 17px; max-width: 480px; margin: 0 auto 8px; }

/* ===== Responsive ===== */
@media (max-width: 880px) {
  section { padding: 64px 0; }
  .hero { padding: 56px 0 64px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .product-grid { grid-template-columns: 1fr; }
  .story-grid { grid-template-columns: 1fr; gap: 40px; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .field-row.cols-2, .field-row.cols-3, .field-row.cols-21 { grid-template-columns: 1fr; }
  .options { grid-template-columns: 1fr; }
  .apply-body { padding: 36px 24px 24px; }
  .apply-frame-head { padding: 24px; }
  .nav-links { display: none; }
  .nav-toggle {
    display: inline-flex; padding: 8px 14px; border: 1px solid var(--line-2);
    background: transparent; border-radius: 100px; font-size: 13px;
  }
  .nav-links.open {
    display: flex; flex-direction: column; gap: 0;
    position: absolute; top: 68px; left: 0; right: 0;
    background: var(--bone); border-bottom: 1px solid var(--line);
    padding: 8px 24px;
  }
  .nav-links.open li { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav-links.open li:last-child { border-bottom: none; }
  .cta-strip { padding: 36px 28px; }
}