/* ============================================================
   TTG LENDING v2 — INSTITUTIONAL · MODERN · WESTERN
   Bebas Neue · DM Serif Display · IBM Plex Sans · IBM Plex Mono
   ============================================================ */

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  font-weight: 400;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { display: block; max-width: 100%; }

/* ---- Design Tokens ---- */
:root {
  /* Dark palette */
  --obsidian:     #0b0d11;
  --graphite:     #13151b;
  --iron:         #1c1f27;
  --slate:        #272b38;
  --ash:          #474c5c;

  /* Neutrals */
  --stone:        #85817a;
  --sand:         #d4ccbf;
  --parchment:    #ece7dd;
  --cream:        #f5f1ea;
  --white:        #ffffff;
  --ink:          #181a20;

  /* Western accents */
  --gold:         #c4a05a;
  --gold-lt:      #d8ba7a;
  --gold-dk:      #9a7838;
  --gold-pale:    rgba(196,160,90,0.12);
  --copper:       #9c6840;
  --rust:         #7a3c28;

  /* Type */
  --ff-disp:      'Bebas Neue', 'Arial Narrow', Arial, sans-serif;
  --ff-serif:     'DM Serif Display', Georgia, 'Times New Roman', serif;
  --ff-body:      'IBM Plex Sans', -apple-system, sans-serif;
  --ff-mono:      'IBM Plex Mono', 'Courier New', monospace;

  /* Layout */
  --sp:           clamp(80px, 10vw, 120px);
  --max-w:        1320px;
  --t:            0.2s ease;
}

/* ---- Utility ---- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 64px);
}
.section { padding: var(--sp) 0; }

/* Mono label (section eyebrows) */
.v2-label {
  font-family: var(--ff-mono);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}
.v2-label::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: currentColor;
  flex-shrink: 0;
}
.v2-label.on-dark { color: var(--gold); }
.v2-label.on-light { color: var(--gold-dk); }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar2 {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 900;
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background var(--t), border-color var(--t), backdrop-filter var(--t);
}
.navbar2.scrolled {
  background: rgba(11,13,17,0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom-color: rgba(196,160,90,0.15);
}
.nav2-container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 64px);
  height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav2-logo {
  display: flex;
  align-items: baseline;
  gap: 0;
}
.logo2-ttg {
  font-family: var(--ff-disp);
  font-size: 28px;
  letter-spacing: 0.1em;
  color: var(--gold);
  line-height: 1;
}
.logo2-lending {
  font-family: var(--ff-disp);
  font-size: 28px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.88);
  padding-left: 6px;
  line-height: 1;
}
.logo2-morty {
  font-family: var(--ff-mono);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.38);
  padding-left: 10px;
  align-self: flex-end;
  padding-bottom: 4px;
  white-space: nowrap;
}
.nav2-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav2-links a {
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.82);
  transition: color var(--t);
}
.nav2-links a:hover { color: var(--white); }
.nav2-links a.active { color: var(--gold); }
.n2-cta {
  background: var(--gold) !important;
  color: var(--obsidian) !important;
  padding: 9px 20px;
  border-radius: 1px;
  font-weight: 600 !important;
  transition: background var(--t) !important;
}
.n2-cta:hover { background: var(--gold-lt) !important; }
.n2-ghost {
  border: 1px solid rgba(196,160,90,0.35) !important;
  color: rgba(196,160,90,0.85) !important;
  padding: 8px 18px;
  border-radius: 1px;
  transition: border-color var(--t), color var(--t) !important;
}
.n2-ghost:hover {
  border-color: var(--gold) !important;
  color: var(--gold) !important;
}
.hamburger2 {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  z-index: 910;
}
.hamburger2 span {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--white);
  transition: all 0.22s;
}

/* ============================================================
   HERO
   ============================================================ */
.hero2 {
  position: relative;
  min-height: 100vh;
  background: linear-gradient(160deg, #0a0c16 0%, #0b0d11 55%, #0d0b12 100%);
  overflow: hidden;
}

/* Commercial building window grid texture */
.hero2-windows {
  position: absolute;
  inset: 0;
  z-index: 0;
  opacity: 0.55;
}
.hero2-windows svg {
  width: 100%;
  height: 100%;
  display: block;
}

/* Topographic line overlay — Western cartographic feel */
.hero2::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background-image:
    repeating-radial-gradient(
      ellipse 160% 90% at 10% 90%,
      transparent 0, transparent 36px,
      rgba(196,160,90,0.032) 36px,
      rgba(196,160,90,0.032) 37px
    ),
    repeating-radial-gradient(
      ellipse 100% 70% at 80% 10%,
      transparent 0, transparent 50px,
      rgba(196,160,90,0.018) 50px,
      rgba(196,160,90,0.018) 51px
    ),
    repeating-radial-gradient(
      ellipse 70% 50% at 50% 50%,
      transparent 0, transparent 65px,
      rgba(196,160,90,0.012) 65px,
      rgba(196,160,90,0.012) 66px
    );
  pointer-events: none;
}

/* Subtle gradient bottom vignette */
.hero2::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 35%;
  background: linear-gradient(to top, rgba(6,8,14,0.65), transparent);
  z-index: 2;
  pointer-events: none;
}

.hero2-inner {
  position: relative;
  z-index: 3;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 180px clamp(20px, 5vw, 64px) 100px;
}

/* Geo coordinate eyebrow — Western cartographic */
.hero2-coord {
  font-family: var(--ff-mono);
  font-size: 10px;
  font-weight: 400;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: rgba(196,160,90,0.92);
  margin-bottom: 18px;
}

.hero2-eyebrow {
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.hero2-eyebrow::before {
  content: '';
  display: block;
  width: 36px;
  height: 1px;
  background: var(--gold);
  opacity: 0.7;
}

.hero2-title {
  font-family: var(--ff-disp);
  font-size: clamp(72px, 11vw, 156px);
  line-height: 0.9;
  letter-spacing: 0.01em;
  color: var(--white);
  margin-bottom: 28px;
  max-width: 1100px;
}
.hero2-title em {
  font-style: normal;
  color: var(--gold);
  display: block;
}

.hero2-rule {
  width: clamp(200px, 40%, 480px);
  height: 1px;
  background: linear-gradient(to right, rgba(196,160,90,0.5), transparent);
  margin-bottom: 28px;
}

.hero2-sub {
  font-size: clamp(14px, 1.6vw, 16px);
  font-weight: 300;
  line-height: 1.8;
  color: rgba(255,255,255,0.96);
  max-width: 520px;
  margin-bottom: 36px;
}

/* Property type pills */
.hero2-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 40px;
}
.hero2-pills span {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.72);
  border: 1px solid rgba(255,255,255,0.28);
  padding: 5px 12px;
  border-radius: 1px;
  transition: border-color var(--t), color var(--t);
  cursor: default;
}
.hero2-pills span:hover {
  border-color: rgba(196,160,90,0.4);
  color: rgba(196,160,90,0.8);
}

/* CTAs */
.hero2-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 72px;
}
.btn2-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--obsidian);
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: 1px;
  transition: background var(--t);
  border: none;
  cursor: pointer;
}
.btn2-primary:hover { background: var(--gold-lt); }
.btn2-ghost {
  display: inline-block;
  background: transparent;
  color: rgba(255,255,255,0.7);
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 400;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 13px 26px;
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 1px;
  transition: border-color var(--t), color var(--t);
}
.btn2-ghost:hover {
  border-color: rgba(196,160,90,0.5);
  color: var(--gold);
}

/* Hero stats strip */
.hero2-stats {
  border-top: 1px solid rgba(196,160,90,0.18);
  padding-top: 28px;
  display: grid;
  grid-template-columns: repeat(4, auto);
  gap: 0;
  justify-content: start;
}
.h2-stat {
  padding: 0 40px;
  border-left: 1px solid rgba(255,255,255,0.07);
}
.h2-stat:first-child { padding-left: 0; border-left: none; }
.h2s-n {
  display: block;
  font-family: var(--ff-disp);
  font-size: clamp(30px, 3.5vw, 46px);
  color: var(--white);
  letter-spacing: 0.02em;
  line-height: 1;
  margin-bottom: 5px;
}
.h2s-l {
  display: block;
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
}

/* ============================================================
   TRUST TICKER
   ============================================================ */
.trust2 {
  background: var(--graphite);
  border-top: 1px solid rgba(196,160,90,0.12);
  border-bottom: 1px solid rgba(196,160,90,0.12);
  padding: 13px 0;
  overflow: hidden;
}
.trust2-wrap {
  display: flex;
  align-items: center;
  gap: 0;
}
.trust2-tag {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.72);
  flex-shrink: 0;
  padding-right: 32px;
  border-right: 1px solid rgba(255,255,255,0.12);
  margin-right: 32px;
  white-space: nowrap;
}
.trust2-cities {
  display: flex;
  gap: 0;
  align-items: center;
  flex-wrap: nowrap;
  overflow: hidden;
}
.trust2-cities span {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  white-space: nowrap;
  padding: 0 20px;
  border-right: 1px solid rgba(255,255,255,0.10);
}
.trust2-cities span:last-child { border-right: none; }

/* ============================================================
   LOAN PROGRAMS
   ============================================================ */
.programs2 {
  background: var(--cream);
}
.programs2-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: end;
  border-bottom: 1px solid var(--sand);
  padding-bottom: 44px;
  margin-bottom: 56px;
}
.programs2-title {
  font-family: var(--ff-serif);
  font-size: clamp(34px, 4.5vw, 54px);
  color: var(--ink);
  line-height: 1.12;
}
.programs2-title em { font-style: italic; color: var(--gold-dk); }
.programs2-sub {
  font-size: 15px;
  color: var(--ash);
  line-height: 1.8;
  font-weight: 300;
  padding-top: 4px;
}

.programs2-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--sand);
}
.prog2-card {
  padding: 40px 36px 36px;
  border-right: 1px solid var(--sand);
  border-bottom: 1px solid var(--sand);
  background: var(--cream);
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: background var(--t);
  position: relative;
  overflow: hidden;
}
.prog2-card::before {
  content: attr(data-num);
  position: absolute;
  top: -12px;
  right: 16px;
  font-family: var(--ff-disp);
  font-size: 110px;
  color: rgba(196,160,90,0.06);
  letter-spacing: 0.02em;
  line-height: 1;
  pointer-events: none;
  user-select: none;
}
.prog2-card:hover { background: var(--parchment); }
.prog2-card:nth-child(3n) { border-right: none; }
.prog2-card:nth-last-child(-n+3) { border-bottom: none; }

.prog2-card.featured2 {
  background: var(--obsidian);
}
.prog2-card.featured2:hover { background: var(--iron); }
.prog2-card.featured2::before { color: rgba(196,160,90,0.05); }

.prog2-idx {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-dk);
}
.prog2-card.featured2 .prog2-idx { color: var(--gold); }

.prog2-title {
  font-family: var(--ff-serif);
  font-size: 21px;
  line-height: 1.22;
  color: var(--ink);
}
.prog2-card.featured2 .prog2-title { color: var(--white); }

.prog2-desc {
  font-size: 13.5px;
  line-height: 1.75;
  color: var(--ash);
  font-weight: 300;
}
.prog2-card.featured2 .prog2-desc { color: rgba(245,241,234,0.5); }

.prog2-features {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-top: 4px;
}
.prog2-features li {
  font-family: var(--ff-mono);
  font-size: 10.5px;
  letter-spacing: 0.03em;
  color: var(--ash);
  display: flex;
  gap: 10px;
  align-items: baseline;
  line-height: 1.5;
}
.prog2-card.featured2 .prog2-features li { color: rgba(245,241,234,0.55); }
.prog2-features li::before {
  content: '—';
  color: var(--gold);
  flex-shrink: 0;
  font-size: 9px;
}
.prog2-card.featured2 .prog2-features li::before { color: var(--gold-lt); }

.prog2-link {
  margin-top: 12px;
  font-family: var(--ff-mono);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-dk);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap var(--t), color var(--t);
}
.prog2-link::after { content: '→'; font-size: 12px; }
.prog2-link:hover { gap: 13px; color: var(--gold); }
.prog2-card.featured2 .prog2-link { color: var(--gold); }
.prog2-card.featured2 .prog2-link:hover { color: var(--gold-lt); }

.rate-disc2 {
  margin-top: 24px;
  font-family: var(--ff-mono);
  font-size: 9.5px;
  color: var(--stone);
  letter-spacing: 0.03em;
  border-top: 1px solid var(--sand);
  padding-top: 20px;
}

/* ============================================================
   WHY TTG
   ============================================================ */
.why2 {
  background: var(--obsidian);
  position: relative;
  overflow: hidden;
}
/* Large ghost text Western element */
.why2::after {
  content: 'WEST';
  position: absolute;
  right: -40px;
  bottom: -60px;
  font-family: var(--ff-disp);
  font-size: clamp(180px, 28vw, 380px);
  color: rgba(255,255,255,0.018);
  letter-spacing: 0.08em;
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.why2-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: stretch;
  position: relative;
  z-index: 1;
}
.why2-title {
  font-family: var(--ff-serif);
  font-size: clamp(30px, 4vw, 48px);
  color: var(--white);
  line-height: 1.16;
  margin-bottom: 16px;
}
.why2-body {
  font-size: 14.5px;
  color: rgba(255,255,255,0.72);
  line-height: 1.85;
  font-weight: 300;
  margin-bottom: 44px;
}
.why2-pts {
  display: flex;
  flex-direction: column;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.why2-pt {
  display: flex;
  gap: 22px;
  padding: 22px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.why2-pt-n {
  font-family: var(--ff-mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  color: var(--gold);
  padding-top: 2px;
  flex-shrink: 0;
  width: 28px;
}
.why2-pt h4 {
  font-family: var(--ff-body);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.01em;
  margin-bottom: 5px;
}
.why2-pt p {
  font-size: 13px;
  color: rgba(255,255,255,0.68);
  line-height: 1.75;
  font-weight: 300;
}

/* Right column wrapper — metrics + property list */
.why2-right {
  display: flex;
  align-self: stretch;
}

/* Metrics grid — single stacked column */
.why2-metrics {
  flex: 0 0 50%;
  display: grid;
  grid-template-columns: 1fr;
  grid-template-rows: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.05);
}

/* Property types list */
.why2-props {
  flex: 1;
  background: var(--slate);
  border: 1px solid rgba(255,255,255,0.05);
  border-left: none;
  padding: 28px 22px;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.w2p-head {
  font-family: var(--ff-mono);
  font-size: 8.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
  flex-shrink: 0;
}
.w2p-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  flex: 1;
  justify-content: space-between;
}
.w2p-list li {
  font-family: var(--ff-mono);
  font-size: 10.5px;
  letter-spacing: 0.03em;
  color: rgba(255,255,255,0.55);
  padding: 5px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  display: flex;
  align-items: center;
  gap: 10px;
  line-height: 1.3;
}
.w2p-list li::before {
  content: '';
  display: block;
  width: 4px;
  height: 4px;
  background: var(--gold);
  opacity: 0.5;
  flex-shrink: 0;
  transform: rotate(45deg);
}
.why2-metric {
  background: var(--iron);
  padding: 28px 36px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  transition: background var(--t);
}
.why2-metric:hover { background: var(--slate); }
.w2m-val {
  display: block;
  font-family: var(--ff-disp);
  font-size: clamp(34px, 4vw, 52px);
  color: var(--gold);
  letter-spacing: 0.02em;
  line-height: 1;
  margin-bottom: 8px;
}
.w2m-label {
  display: block;
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.62);
  line-height: 1.5;
}

/* ============================================================
   STATES WE SERVE
   ============================================================ */
.states2 {
  background: var(--cream);
  border-top: 1px solid var(--sand);
  padding-bottom: 0; /* tiles-band acts as section footer */
}
.states2-header {
  margin-bottom: 40px;
  border-bottom: 1px solid var(--sand);
  padding-bottom: 36px;
}
.states2-title {
  font-family: var(--ff-serif);
  font-size: clamp(34px, 4.5vw, 52px);
  color: var(--ink);
  line-height: 1.12;
  margin-bottom: 12px;
}
.states2-sub {
  font-size: 15px;
  color: var(--ash);
  line-height: 1.75;
  max-width: 560px;
  font-weight: 300;
}
/* Map container — D3 sets height dynamically; cream background (no dark panel) */
.states2-map-inner {
  width: 100%;
  overflow: hidden;
  position: relative;
  background: var(--cream);
  border: 1px solid var(--sand);
}
/* ── Floating state shapes (hover above tiles band) ── */
.states2-shapes-outer {
  position: relative;
  z-index: 2;
  margin-bottom: -90px; /* hangs shapes into the tiles band */
}
.states2-shapes-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.state2-shape {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  padding: 0 8px;
  cursor: pointer;
  transition: transform 0.30s ease;
}
.state2-shape:hover { transform: translateY(-8px); }
.state2-shape svg {
  width: 100%;
  height: 190px;
  display: block;
  overflow: visible;
  filter: drop-shadow(0 6px 20px rgba(0,0,0,0.30));
  transition: filter 0.30s ease;
}
.state2-shape:hover svg {
  filter: drop-shadow(0 10px 28px rgba(0,0,0,0.42));
}
.state-shape-path {
  fill: var(--iron);
  stroke: rgba(196,160,90,0.48);
  stroke-width: 1.5;
  stroke-linejoin: round;
  transition: fill 0.25s, stroke 0.25s;
}
.state2-shape:hover .state-shape-path {
  fill: var(--slate);
  stroke: rgba(196,160,90,0.72);
}

/* Dark sub-banner for state tiles */
.states2-tiles-band {
  background: #0a0c14;
  border-top: 1px solid rgba(196,160,90,0.16);
  padding-top: 108px; /* space for the hanging shapes */
}
.states2-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: static;
  border: none;
}
.state2-card {
  padding: 28px 36px 32px;
  border-right: 1px solid rgba(255,255,255,0.07);
  background: transparent;
  transition: background var(--t);
  overflow: hidden;
  position: relative;
}
.state2-card:last-child { border-right: none; }
.state2-card:hover { background: rgba(255,255,255,0.03); }
.state2-abbr {
  display: block;
  font-family: var(--ff-disp);
  font-size: 72px;
  letter-spacing: 0.04em;
  color: rgba(196,160,90,0.50);
  line-height: 1;
  margin-bottom: 12px;
  transition: color var(--t);
  user-select: none;
}
.state2-card:hover .state2-abbr { color: rgba(196,160,90,0.72); }
.state2-name {
  font-family: var(--ff-mono);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.88);
  margin-bottom: 10px;
}
.state2-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  font-weight: 300;
  margin-bottom: 14px;
}
.state2-cities {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.55);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 12px;
  line-height: 1.7;
}
/* (D3 map CSS removed — replaced by individual state shapes above) */

/* (states2-grid and state2-card defined in States section above) */

/* ============================================================
   PROCESS
   ============================================================ */
.process2 {
  background: var(--cream);
  border-top: 1px solid var(--sand);
}
.process2-header {
  margin-bottom: 56px;
}
.process2-title {
  font-family: var(--ff-serif);
  font-size: clamp(30px, 4vw, 46px);
  color: var(--ink);
  line-height: 1.14;
}
.process2-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--sand);
}
.ps2 {
  padding: 38px 30px 34px;
  border-right: 1px solid var(--sand);
  transition: background var(--t);
  position: relative;
}
.ps2:last-child { border-right: none; }
.ps2:hover { background: var(--parchment); }
.ps2-num {
  display: block;
  font-family: var(--ff-disp);
  font-size: 72px;
  color: rgba(196,160,90,0.52);
  letter-spacing: 0.02em;
  line-height: 1;
  margin-bottom: 18px;
}
.ps2-title {
  font-family: var(--ff-body);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0.01em;
  margin-bottom: 8px;
}
.ps2-desc {
  font-size: 13px;
  color: var(--ash);
  line-height: 1.75;
  font-weight: 300;
}

/* ============================================================
   LENDER NETWORK TEASER
   ============================================================ */
.lteaser2 {
  background: var(--graphite);
  border-top: 1px solid rgba(196,160,90,0.14);
  border-bottom: 1px solid rgba(196,160,90,0.14);
}
.lt2-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.lt2-title {
  font-family: var(--ff-serif);
  font-size: clamp(32px, 4vw, 50px);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 14px;
}
.lt2-title em { font-style: italic; color: var(--gold); }
.lt2-body {
  font-size: 14.5px;
  color: rgba(255,255,255,0.72);
  line-height: 1.82;
  font-weight: 300;
  margin-bottom: 28px;
}
.lt2-cats {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid rgba(255,255,255,0.05);
  background: rgba(255,255,255,0.03);
}
.lt2-cat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  border-left: 2px solid transparent;
  background: var(--iron);
  transition: all var(--t);
  gap: 16px;
}
.lt2-cat:last-child { border-bottom: none; }
.lt2-cat:hover {
  background: var(--slate);
  border-left-color: var(--gold);
}
.lt2-cat-name {
  font-family: var(--ff-body);
  font-size: 13px;
  font-weight: 500;
  color: var(--white);
}
.lt2-cat-detail {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  letter-spacing: 0.08em;
  color: var(--stone);
  text-align: right;
  flex-shrink: 0;
}

/* ============================================================
   ABOUT
   ============================================================ */
.about2 {
  background: var(--cream);
}
/* Section-level header for team */
.about2-header {
  margin-bottom: 52px;
  border-bottom: 1px solid var(--sand);
  padding-bottom: 36px;
}
.about2-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 64px;
  align-items: start;
}
/* Divider between team members */
.about2-grid + .about2-grid {
  margin-top: 64px;
  padding-top: 64px;
  border-top: 1px solid var(--sand);
}
.about2-visual {
  position: static;
}
.about2-photo {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top center;
  display: block;
  border-radius: 1px;
  filter: grayscale(10%) contrast(1.02);
}
.about2-nmls {
  margin-top: 14px;
  background: var(--obsidian);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  border-left: 3px solid var(--gold);
}
.about2-nmls-icon {
  width: 30px;
  height: 30px;
  background: var(--gold);
  border-radius: 1px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ff-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--obsidian);
  flex-shrink: 0;
}
.about2-nmls-text strong {
  display: block;
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--white);
}
.about2-nmls-text span {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  letter-spacing: 0.1em;
  color: var(--stone);
  text-transform: uppercase;
}

.about2-title {
  font-family: var(--ff-serif);
  font-size: clamp(28px, 3.5vw, 44px);
  color: var(--ink);
  line-height: 1.16;
  margin-bottom: 0;
}
/* Individual person name + role */
.about2-person-name {
  font-family: var(--ff-serif);
  font-size: clamp(22px, 2.6vw, 34px);
  color: var(--ink);
  line-height: 1.16;
  margin-bottom: 5px;
}
.about2-person-role {
  font-family: var(--ff-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dk);
  margin-bottom: 22px;
}
.about2-text p {
  font-size: 15px;
  color: var(--ash);
  line-height: 1.88;
  font-weight: 300;
  margin-bottom: 18px;
}
.about2-creds {
  margin-top: 36px;
  border-top: 1px solid var(--sand);
}
.about2-cred {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 13px 0;
  border-bottom: 1px solid var(--sand);
}
.about2-cred-dot {
  width: 5px;
  height: 5px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}
.about2-cred span {
  font-family: var(--ff-mono);
  font-size: 11px;
  letter-spacing: 0.04em;
  color: var(--ash);
}

/* ============================================================
   CONTACT / LEAD FORM
   ============================================================ */
.contact2 {
  background: var(--obsidian);
  position: relative;
  overflow: hidden;
}
.contact2::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-radial-gradient(
    ellipse 110% 65% at 85% 45%,
    transparent 0, transparent 44px,
    rgba(196,160,90,0.022) 44px,
    rgba(196,160,90,0.022) 45px
  );
  pointer-events: none;
  z-index: 0;
}
.contact2-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 80px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.c2-title {
  font-family: var(--ff-serif);
  font-size: clamp(30px, 4vw, 46px);
  color: var(--white);
  line-height: 1.14;
  margin-bottom: 14px;
}
.c2-sub {
  font-size: 14.5px;
  color: rgba(255,255,255,0.72);
  line-height: 1.82;
  font-weight: 300;
  margin-bottom: 48px;
}
.c2-details {
  border-top: 1px solid rgba(255,255,255,0.07);
}
.c2-item {
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.c2-item-lbl {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 4px;
}
.c2-item-val {
  font-family: var(--ff-body);
  font-size: 15px;
  color: rgba(255,255,255,0.75);
  font-weight: 300;
}
.c2-item-val a { color: rgba(255,255,255,0.75); transition: color var(--t); }
.c2-item-val a:hover { color: var(--gold); }
.c2-states-lbl {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--stone);
  margin-top: 32px;
  margin-bottom: 10px;
  display: block;
}
.c2-state-pills {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.c2-state-pills span {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 6px 13px;
  border-radius: 1px;
}

/* Form panel */
.contact2-form {
  background: var(--iron);
  border: 1px solid rgba(255,255,255,0.06);
  padding: 44px 40px;
}
.c2f-title {
  font-family: var(--ff-serif);
  font-size: 26px;
  color: var(--white);
  margin-bottom: 4px;
}
.c2f-sub {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--stone);
  margin-bottom: 32px;
}
.f2-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.f2-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 12px;
}
.f2-group label {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--stone);
}
.f2-group input,
.f2-group select,
.f2-group textarea {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: 1px;
  padding: 11px 13px;
  font-family: var(--ff-body);
  font-size: 14px;
  color: var(--white);
  outline: none;
  width: 100%;
  -webkit-appearance: none;
  transition: border-color var(--t), background var(--t);
}
.f2-group input::placeholder,
.f2-group textarea::placeholder { color: rgba(255,255,255,0.18); }
.f2-group input:focus,
.f2-group select:focus,
.f2-group textarea:focus {
  border-color: rgba(196,160,90,0.6);
  background: rgba(196,160,90,0.04);
}
.f2-group input.error,
.f2-group select.error { border-color: #c0392b; }
.f2-group select option { background: var(--iron); color: var(--white); }
.f2-group textarea { resize: vertical; min-height: 88px; }
.f2-consent {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  margin-bottom: 20px;
}
.f2-consent input[type="checkbox"] {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
}
.f2-consent label {
  font-size: 11.5px;
  color: rgba(255,255,255,0.3);
  line-height: 1.65;
  cursor: pointer;
}
.f2-submit {
  width: 100%;
  background: var(--gold);
  color: var(--obsidian);
  font-family: var(--ff-mono);
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  padding: 15px;
  border: none;
  border-radius: 1px;
  cursor: pointer;
  transition: background var(--t);
}
.f2-submit:hover { background: var(--gold-lt); }
.f2-submit:disabled { opacity: 0.5; cursor: not-allowed; }
.form2-success {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 56px 32px;
  gap: 16px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(196,160,90,0.18);
  border-radius: 2px;
  min-height: 360px;
}
.f2s-check {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: rgba(196,160,90,0.12);
  border: 1px solid rgba(196,160,90,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 8px;
}
.f2s-check svg { width: 40px; height: 40px; }
.f2s-title {
  font-family: var(--ff-serif);
  font-size: 26px;
  color: var(--white);
  margin: 0;
  letter-spacing: 0.01em;
}
.f2s-msg {
  font-size: 15px;
  color: rgba(255,255,255,0.55);
  line-height: 1.75;
  max-width: 340px;
  margin: 0;
}
.f2s-detail {
  font-family: var(--ff-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(196,160,90,0.5);
  margin-top: 8px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer2 {
  background: var(--obsidian);
  border-top: 1px solid rgba(196,160,90,0.14);
  padding: 64px 0 28px;
}
.footer2-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: 32px;
}
.footer2-brand p {
  font-size: 13px;
  color: rgba(255,255,255,0.50);
  line-height: 1.8;
  margin-top: 16px;
  font-weight: 300;
  max-width: 260px;
}
.footer2-states {
  font-family: var(--ff-mono);
  font-size: 9.5px;
  letter-spacing: 0.2em;
  color: var(--gold);
  margin-top: 14px;
}
.footer2-col h4 {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 18px;
}
.footer2-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer2-col a {
  font-size: 13px;
  color: rgba(255,255,255,0.52);
  transition: color var(--t);
  font-weight: 300;
}
.footer2-col a:hover { color: rgba(255,255,255,0.85); }
.footer2-col span {
  font-size: 13px;
  color: rgba(255,255,255,0.42);
  font-weight: 300;
}
.footer2-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 20px;
}
.footer2-legal p {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.42);
  line-height: 1.9;
}
.footer2-legal p:first-child { color: rgba(255,255,255,0.62); }
.footer2-ehl {
  display: flex;
  align-items: center;
  gap: 10px;
  border: 1px solid rgba(255,255,255,0.18);
  padding: 9px 16px;
  flex-shrink: 0;
}
.f2-ehl-icon { font-size: 20px; color: var(--gold); }
.footer2-ehl span {
  font-family: var(--ff-mono);
  font-size: 8.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.48);
  line-height: 1.6;
}

/* ============================================================
   LENDER NETWORK PAGE — PAGE HERO
   ============================================================ */
.page-hero2 {
  background: var(--obsidian);
  padding: 160px 0 80px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(196,160,90,0.14);
}
.page-hero2::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-radial-gradient(
    ellipse 130% 75% at 88% 55%,
    transparent 0, transparent 42px,
    rgba(196,160,90,0.025) 42px,
    rgba(196,160,90,0.025) 43px
  );
  pointer-events: none;
}
.ph2-inner { position: relative; z-index: 1; }
.ph2-eyebrow {
  font-family: var(--ff-mono);
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
}
.ph2-eyebrow::before {
  content: '';
  display: block;
  width: 30px;
  height: 1px;
  background: var(--gold);
  opacity: 0.7;
}
.ph2-title {
  font-family: var(--ff-disp);
  font-size: clamp(56px, 9vw, 120px);
  color: var(--white);
  line-height: 0.9;
  letter-spacing: 0.01em;
  margin-bottom: 24px;
}
.ph2-title em { font-style: normal; color: var(--gold); }
.ph2-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.78);
  line-height: 1.82;
  max-width: 500px;
  font-weight: 300;
  margin-bottom: 48px;
}
.ph2-stats {
  display: flex;
  gap: 0;
  border-top: 1px solid rgba(196,160,90,0.18);
  padding-top: 28px;
}
.ph2-stat {
  padding-right: 40px;
  margin-right: 40px;
  border-right: 1px solid rgba(255,255,255,0.07);
}
.ph2-stat:last-child { border-right: none; padding-right: 0; margin-right: 0; }
.ph2s-n {
  display: block;
  font-family: var(--ff-disp);
  font-size: 40px;
  color: var(--white);
  letter-spacing: 0.02em;
  line-height: 1;
  margin-bottom: 5px;
}
.ph2s-l {
  display: block;
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--stone);
}

/* ============================================================
   LENDER NETWORK — LEGEND + TABS
   ============================================================ */
.legend2-bar {
  background: var(--graphite);
  border-bottom: 1px solid rgba(196,160,90,0.1);
  padding: 12px 0;
}
.legend2-inner {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.legend2-lbl {
  font-family: var(--ff-mono);
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.62);
  flex-shrink: 0;
  margin-right: 4px;
}

/* Badge overrides for dark legend bar background */
.legend2-bar .badge2.conv    { background: rgba(65,120,175,0.22);  color: #7ab0e0; border-color: rgba(65,120,175,0.45); }
.legend2-bar .badge2.nqm     { background: rgba(156,104,64,0.24);  color: #c87848; border-color: rgba(156,104,64,0.50); }
.legend2-bar .badge2.jumbo   { background: rgba(90,135,115,0.22);  color: #68b890; border-color: rgba(90,135,115,0.48); }
.legend2-bar .badge2.heloc   { background: rgba(196,160,90,0.24);  color: #d4a853; border-color: rgba(196,160,90,0.52); }
.legend2-bar .badge2.bridge  { background: rgba(160,80,50,0.24);   color: #c07858; border-color: rgba(160,80,50,0.48); }
.legend2-bar .badge2.reno    { background: rgba(75,125,100,0.24);  color: #70b888; border-color: rgba(75,125,100,0.48); }
.legend2-bar .badge2.special { background: rgba(180,185,210,0.12); color: #b0b8d0; border-color: rgba(180,185,210,0.28); }
.legend2-bar .badge2.mf      { background: rgba(18,100,58,0.26);   color: #50c080; border-color: rgba(18,100,58,0.52); }

.lenders2-section { background: var(--cream); }

.lender-tabs2 {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  border-bottom: 1px solid var(--sand);
  margin-bottom: 44px;
  overflow-x: auto;
}
.ltab2 {
  font-family: var(--ff-mono);
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--stone);
  padding: 14px 18px;
  background: none;
  border: none;
  border-bottom: 2px solid transparent;
  cursor: pointer;
  transition: all var(--t);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 6px;
}
.ltab2:hover { color: var(--ink); }
.ltab2.active { color: var(--ink); border-bottom-color: var(--gold); }
.ltab2-cnt {
  background: var(--sand);
  color: var(--stone);
  font-size: 8.5px;
  padding: 2px 6px;
  border-radius: 20px;
  font-weight: 500;
}
.ltab2.active .ltab2-cnt { background: var(--gold); color: var(--obsidian); }

/* ============================================================
   LENDER CARDS
   ============================================================ */
.lender-grid2 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--sand);
  background: var(--sand);
}
.lender-card2 {
  background: var(--cream);
  padding: 26px 26px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  cursor: pointer;
  transition: background var(--t);
  border-left: 3px solid transparent;
  position: relative;
}
.lender-card2:hover {
  background: var(--parchment);
  border-left-color: var(--gold);
}
.lender-card2.expanded {
  background: var(--parchment);
  border-left-color: var(--gold);
}
.lender-card2.hidden { display: none; }

.lender-name2 {
  font-family: var(--ff-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0.01em;
}
.lender-badges2 { display: flex; flex-wrap: wrap; gap: 4px; }

/* Badge system v2 */
.badge2 {
  font-family: var(--ff-mono);
  font-size: 8.5px;
  font-weight: 500;
  padding: 3px 8px;
  border-radius: 1px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
  cursor: pointer;
  transition: filter var(--t), transform 0.12s ease, box-shadow 0.12s ease;
  border: 1px solid transparent;
}
.badge2:hover {
  filter: brightness(1.12);
  transform: translateY(-1px);
  box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}
.badge2:active { transform: translateY(0); }
.badge2.conv    { background: rgba(65,120,175,0.1);  color: #2a5278; border-color: rgba(65,120,175,0.22); }
.badge2.nqm     { background: rgba(156,104,64,0.11); color: #6e4020; border-color: rgba(156,104,64,0.26); }
.badge2.jumbo   { background: rgba(90,135,115,0.11); color: #285840; border-color: rgba(90,135,115,0.26); }
.badge2.heloc   { background: rgba(196,160,90,0.13); color: #6e4e10; border-color: rgba(196,160,90,0.28); }
.badge2.bridge  { background: rgba(122,60,40,0.1);   color: #602818; border-color: rgba(122,60,40,0.24); }
.badge2.reno    { background: rgba(75,105,88,0.1);   color: #284838; border-color: rgba(75,105,88,0.24); }
.badge2.special { background: rgba(24,26,32,0.06);   color: #323644; border-color: rgba(24,26,32,0.14); }
.badge2.mf      { background: rgba(18,75,48,0.1);    color: #164030; border-color: rgba(18,75,48,0.22); }

/* Expandable note */
.lender-note2 {
  font-family: var(--ff-mono);
  font-size: 10.5px;
  color: var(--ash);
  line-height: 1.72;
  letter-spacing: 0.02em;
  padding: 10px 13px;
  background: var(--parchment);
  border-left: 2px solid var(--gold);
  /* Collapsed */
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  padding-top: 0;
  padding-bottom: 0;
  margin-top: 0;
  transition: max-height 0.3s ease, opacity 0.22s ease, padding 0.22s ease, margin-top 0.22s ease;
}
.lender-card2.expanded .lender-note2 {
  max-height: 300px;
  opacity: 1;
  padding: 10px 13px;
  margin-top: 2px;
}

/* Toggle */
.lender-toggle2 {
  display: flex;
  align-items: center;
  gap: 5px;
  font-family: var(--ff-mono);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--stone);
  margin-top: 4px;
  user-select: none;
  transition: color var(--t);
}
.lender-card2:hover .lender-toggle2,
.lender-card2.expanded .lender-toggle2 { color: var(--gold-dk); }
.ltog2-chevron {
  display: inline-block;
  width: 12px;
  height: 12px;
  transition: transform 0.22s ease;
  flex-shrink: 0;
}
.lender-card2.expanded .ltog2-chevron { transform: rotate(180deg); }

/* Lender footer note */
.lender-footer-note2 {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--parchment);
  border: 1px solid var(--sand);
  padding: 14px 18px;
  margin-top: 28px;
  font-family: var(--ff-mono);
  font-size: 9.5px;
  color: var(--stone);
  line-height: 1.75;
  letter-spacing: 0.03em;
}
.lfi2-icon { color: var(--gold); flex-shrink: 0; }

/* CTA strip */
.lender-cta-strip2 {
  background: var(--graphite);
  border-top: 1px solid rgba(196,160,90,0.14);
  padding: 72px 0;
}
.lcs2-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.lcs2-inner h2 {
  font-family: var(--ff-serif);
  font-size: clamp(22px, 3vw, 36px);
  color: var(--white);
  line-height: 1.22;
}
.lcs2-inner p {
  font-size: 14px;
  color: rgba(255,255,255,0.32);
  margin-top: 6px;
  font-weight: 300;
}

/* ============================================================
   BADGE TOOLTIP v2
   ============================================================ */
.badge-tooltip2 {
  position: fixed;
  z-index: 9999;
  background: var(--obsidian);
  border: 1px solid rgba(196,160,90,0.22);
  color: var(--cream);
  border-radius: 2px;
  padding: 14px 18px;
  min-width: 220px;
  max-width: 310px;
  font-size: 12px;
  line-height: 1.65;
  box-shadow: 0 16px 48px rgba(0,0,0,0.5);
  pointer-events: none;
  opacity: 0;
  transform: translateY(6px) scale(0.97);
  transition: opacity 0.16s ease, transform 0.16s ease;
}
.badge-tooltip2.visible {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}
.badge-tooltip2::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 18px;
  border-left: 6px solid transparent;
  border-right: 6px solid transparent;
  border-bottom: 6px solid rgba(196,160,90,0.22);
}
.badge-tooltip2::after {
  content: '';
  position: absolute;
  top: -5px;
  left: 19px;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-bottom: 5px solid var(--obsidian);
}
.badge-tooltip2.tip-above::before {
  top: auto; bottom: -6px;
  border-bottom: none; border-top: 6px solid rgba(196,160,90,0.22);
}
.badge-tooltip2.tip-above::after {
  top: auto; bottom: -5px;
  border-bottom: none; border-top: 5px solid var(--obsidian);
}
.btt2-label {
  display: block;
  font-family: var(--ff-mono);
  font-size: 9px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  margin-bottom: 5px;
}
.btt2-lender {
  display: block;
  font-family: var(--ff-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 7px;
}
.btt2-terms {
  display: block;
  font-family: var(--ff-mono);
  font-size: 11px;
  color: rgba(245,241,234,0.62);
  line-height: 1.72;
  letter-spacing: 0.02em;
}

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */
.fade-hidden {
  opacity: 0;
  transform: translateY(14px);
}
.fade-visible {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.48s ease, transform 0.48s ease;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .programs2-grid   { grid-template-columns: repeat(2, 1fr); }
  .prog2-card:nth-child(3n) { border-right: 1px solid var(--sand); }
  .prog2-card:nth-child(2n) { border-right: none; }
  .prog2-card:nth-last-child(-n+3) { border-bottom: 1px solid var(--sand); }
  .prog2-card:nth-last-child(-n+2) { border-bottom: none; }
  .states2-grid     { grid-template-columns: repeat(2, 1fr); }
  .state2-card:nth-child(2) { border-right: none; }
  .state2-card:nth-child(3) { border-top: 1px solid rgba(255,255,255,0.07); }
  .why2-grid        { grid-template-columns: 1fr; }
  .about2-grid      { grid-template-columns: 1fr; }
  .about2-visual    { position: static; }
  .about2-photo     { aspect-ratio: 4/3; max-width: 420px; }
  .lt2-inner        { grid-template-columns: 1fr; gap: 48px; }
  .lender-grid2     { grid-template-columns: repeat(2, 1fr); }
  .programs2-head   { grid-template-columns: 1fr; gap: 16px; }
}
@media (max-width: 768px) {
  .hero2-stats      { grid-template-columns: repeat(2, 1fr); gap: 28px; }
  .h2-stat          { padding: 0; border: none; }
  .programs2-grid   { grid-template-columns: 1fr; }
  .states2-grid     { grid-template-columns: 1fr 1fr; }
  .process2-steps   { grid-template-columns: 1fr 1fr; }
  .ps2:nth-child(2) { border-right: none; }
  .lender-grid2     { grid-template-columns: 1fr; }
  .contact2-grid    { grid-template-columns: 1fr; }
  .footer2-grid     { grid-template-columns: 1fr 1fr; }
  .lcs2-inner       { flex-direction: column; align-items: flex-start; }
  .ph2-stats        { flex-wrap: wrap; gap: 24px; }
  .ph2-stat         { border-right: none; padding-right: 0; margin-right: 0; min-width: 120px; }
  .f2-row           { grid-template-columns: 1fr; }
  .contact2-form    { padding: 28px 22px; }
  .footer2-grid     { grid-template-columns: 1fr; }
  .footer2-bottom   { flex-direction: column; align-items: flex-start; }
  .nav2-links       { display: none; }
  .nav2-links.open  {
    display: flex;
    flex-direction: column;
    position: fixed;
    inset: 0;
    background: rgba(11,13,17,0.98);
    justify-content: center;
    align-items: center;
    gap: 30px;
    z-index: 800;
  }
  .nav2-links.open a { font-size: 14px; letter-spacing: 0.16em; }
  .hamburger2       { display: flex; }
  .why2-right       { flex-direction: column; }
  .why2-metrics     { flex: none; width: 100%; }
  .lender-tabs2     { overflow-x: auto; }
  .trust2-cities    { display: none; }
}
@media (max-width: 480px) {
  .hero2-title      { font-size: clamp(52px, 15vw, 80px); }
  .states2-grid     { grid-template-columns: 1fr; }
  .process2-steps   { grid-template-columns: 1fr; }
  .ps2              { border-right: none; border-bottom: 1px solid var(--sand); }
  .why2-metrics     { grid-template-columns: 1fr; }
  .hero2-stats      { grid-template-columns: 1fr 1fr; }
}