body{margin:0}[hidden]{display:none!important}img{max-width:100%}

/* Layout: private-bank letterhead. Ivory paper, burgundy ink, one gold hairline arch used as the recurring "bridge" motif; content in a 1120px column. */
:root{
  --paper:#FBF8F2; --surface:#FFFDF9; --ink:#2B1A1E; --muted:#6D5A57; --rule:#E6DCCB;
  --brand:#5E1224; --gold:#B08D45; --gold-ink:#8A6A3A;
  --band-bg:#45091A; --band-fg:#F3EBDD; --band-muted:#D6C3B0; --band-gold:#C9A24D;
  --focus:#B08D45;
  --f-display:"Cormorant Garamond", "Iowan Old Style", Georgia, serif;
  --f-label:"Cinzel", "Trajan Pro", Georgia, serif;
  --f-body:"Hanken Grotesk", "Helvetica Neue", Arial, sans-serif;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --paper:#16070B; --surface:#200B10; --ink:#F1E7DA; --muted:#BCA99B; --rule:#3A1C22;
  --brand:#EBDCC6; --gold:#C9A24D; --gold-ink:#C9A24D;
  --band-bg:#2E0812; --band-fg:#F3EBDD; --band-muted:#CDB9A6; --band-gold:#C9A24D; --focus:#C9A24D;
  color-scheme:dark }}
:root[data-theme="dark"]{
  --paper:#16070B; --surface:#200B10; --ink:#F1E7DA; --muted:#BCA99B; --rule:#3A1C22;
  --brand:#EBDCC6; --gold:#C9A24D; --gold-ink:#C9A24D;
  --band-bg:#2E0812; --band-fg:#F3EBDD; --band-muted:#CDB9A6; --band-gold:#C9A24D; --focus:#C9A24D;
  color-scheme:dark }

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}
:focus-visible{outline:2px solid var(--focus);outline-offset:3px;border-radius:2px}
.wrap{max-width:1120px;margin:0 auto;padding-inline:clamp(16px,4vw,40px)}
h1,h2,h3{font-family:var(--f-display);color:var(--brand);font-weight:500;line-height:1.08;text-wrap:balance;margin:0}
h1{font-size:clamp(2.6rem,6vw,4.4rem);letter-spacing:-0.01em}
h2{font-size:clamp(2rem,4vw,2.9rem)}
h3{font-size:1.45rem;font-weight:600}
p{margin:0}
.eyebrow{font-family:var(--f-label);font-size:.78rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-ink)}
.lede{font-size:1.15rem;color:var(--muted);max-width:56ch}
section{padding-block:clamp(64px,9vw,112px)}
.sec-head{display:grid;gap:14px;max-width:680px;margin-bottom:48px}
.arch-rule{display:block;width:180px;height:16px;color:var(--gold)}

/* header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:color-mix(in srgb,var(--paper) 92%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--rule)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:12px}
.logo-h{height:56px;width:auto;display:block}
.nav{display:flex;gap:26px;align-items:center;font-family:var(--f-label);font-size:.74rem;letter-spacing:.2em;text-transform:uppercase}
.nav a{text-decoration:none;color:var(--ink);opacity:.85}
.nav a:hover{opacity:1;color:var(--gold-ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--f-label);font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;text-decoration:none;padding:15px 26px;border-radius:2px;border:1px solid var(--brand);background:var(--brand);color:var(--paper);cursor:pointer;transition:background .2s,color .2s}
.btn:hover{background:transparent;color:var(--brand)}
.btn.ghost{background:transparent;color:var(--brand)}
.btn.ghost:hover{background:var(--brand);color:var(--paper)}
.nav .btn{padding:11px 18px;color:var(--paper);opacity:1}
.nav .btn:hover{color:var(--brand)}
@media (max-width:900px){.nav a:not(.btn){display:none}}

/* hero */
.hero{padding-block:clamp(56px,8vw,104px) clamp(56px,7vw,88px)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:clamp(32px,6vw,80px);align-items:center}
.hero h1 em{font-style:italic;color:var(--gold-ink)}
.hero-copy{display:grid;gap:26px}
.ctas{display:flex;flex-wrap:wrap;gap:14px}
.facts{display:flex;flex-wrap:wrap;gap:10px 28px;padding-top:22px;border-top:1px solid var(--rule);font-size:.95rem;color:var(--muted)}
.facts span{display:inline-flex;align-items:center;gap:10px}
.facts span::before{content:"";width:7px;height:7px;transform:rotate(45deg);background:var(--gold)}
.hero-mark{display:grid;justify-items:center;gap:18px}
.seal{width:min(300px,70vw);height:auto}
.hero-mark p{font-family:var(--f-display);font-style:italic;font-size:1.15rem;color:var(--muted);text-align:center;max-width:24ch}
@media (max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero-mark{order:-1}.seal{width:150px}.hero-mark p{display:none}}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;counter-reset:s;border-top:1px solid var(--rule)}
.steps li{counter-increment:s;padding:28px 26px 8px 0;display:grid;gap:10px;align-content:start;position:relative}
.steps li+li{padding-left:26px;border-left:1px solid var(--rule)}
.steps li::before{content:counter(s,upper-roman);font-family:var(--f-label);color:var(--gold);font-size:1.05rem;letter-spacing:.1em}
.steps p{color:var(--muted);font-size:.98rem}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.steps li:nth-child(3){padding-left:0;border-left:0}.steps li{border-bottom:1px solid var(--rule);padding-bottom:24px}}
@media (max-width:520px){.steps{grid-template-columns:1fr}.steps li,.steps li+li{padding-left:0;border-left:0}}

/* repayment band */
.band{background:var(--band-bg);color:var(--band-fg)}
.band h2{color:var(--band-fg)}
.band .eyebrow{color:var(--band-gold)}
.band .lede{color:var(--band-muted)}
.flow{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0;margin-top:8px;position:relative}
.flow div{padding:22px 18px 0;border-top:1px solid color-mix(in srgb,var(--band-gold) 55%,transparent);display:grid;gap:6px;align-content:start;position:relative}
.flow div::before{content:"";position:absolute;top:-5px;left:18px;width:9px;height:9px;transform:rotate(45deg);background:var(--band-gold)}
.flow b{font-family:var(--f-display);font-weight:600;font-size:1.3rem;color:var(--band-fg)}
.flow span{font-size:.92rem;color:var(--band-muted)}
.flow .you{border-top-color:var(--band-gold)}
.flow .you b{color:var(--band-gold)}
.band-note{margin-top:44px;padding:22px 26px;border:1px solid color-mix(in srgb,var(--band-gold) 45%,transparent);display:flex;gap:18px;align-items:baseline;flex-wrap:wrap;max-width:760px}
.band-note strong{font-family:var(--f-label);font-weight:500;letter-spacing:.16em;font-size:.8rem;color:var(--band-gold);text-transform:uppercase}
@media (max-width:900px){.flow{grid-template-columns:1fr}.flow div{padding:18px 0 18px 28px;border-top:0;border-left:1px solid color-mix(in srgb,var(--band-gold) 55%,transparent)}.flow div::before{top:24px;left:-5px}}

/* case types */
.cases{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--rule)}
.cases div{padding:22px 22px 22px 0;border-bottom:1px solid var(--rule);display:grid;gap:4px}
.cases div:not(:nth-child(3n+1)){padding-left:22px;border-left:1px solid var(--rule)}
.cases b{font-family:var(--f-display);font-size:1.3rem;font-weight:600;color:var(--brand)}
.cases span{font-size:.93rem;color:var(--muted)}
.cases-foot{margin-top:22px;color:var(--muted);font-size:.95rem}
@media (max-width:820px){.cases{grid-template-columns:repeat(2,minmax(0,1fr))}.cases div:not(:nth-child(3n+1)){padding-left:0;border-left:0}.cases div:nth-child(2n){padding-left:20px;border-left:1px solid var(--rule)}}
@media (max-width:480px){.cases{grid-template-columns:1fr}.cases div:nth-child(2n){padding-left:0;border-left:0}}

/* rights */
.rights{background:var(--surface);border-block:1px solid var(--rule)}
.rights .wrap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,80px)}
.statute{margin-top:22px;font-family:var(--f-display);font-style:italic;font-size:1.1rem;color:var(--muted)}
.rlist{list-style:none;margin:0;padding:0;display:grid;gap:0}
.rlist li{display:grid;grid-template-columns:150px minmax(0,1fr);gap:20px;padding:18px 0;border-bottom:1px solid var(--rule)}
.rlist li:first-child{border-top:1px solid var(--rule)}
.rlist dt,.rlist .k{font-family:var(--f-label);font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink);padding-top:5px}
.rlist .v{color:var(--ink)}
@media (max-width:820px){.rights .wrap{grid-template-columns:1fr}.rlist li{grid-template-columns:1fr;gap:4px}}

/* attorneys */
.atty .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);align-items:start}
.alist{display:grid;gap:22px;margin:0;padding:0;list-style:none}
.alist li{display:grid;gap:4px;padding-left:22px;position:relative}
.alist li::before{content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;transform:rotate(45deg);background:var(--gold)}
.alist b{font-weight:600}
.alist span{color:var(--muted);font-size:.97rem}
@media (max-width:820px){.atty .wrap{grid-template-columns:1fr}}

/* faq */
.faq{max-width:820px}
.faq details{border-bottom:1px solid var(--rule)}
.faq details:first-of-type{border-top:1px solid var(--rule)}
.faq summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font-family:var(--f-display);font-size:1.35rem;font-weight:600;color:var(--brand);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:10px;height:10px;border-right:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details p{padding:0 0 24px;color:var(--muted);max-width:66ch}

/* apply */
.apply{background:var(--surface);border-top:1px solid var(--rule)}
.apply .wrap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,80px)}
form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px}
.field{display:grid;gap:7px;min-width:0}
.field.full{grid-column:1/-1}
label{font-family:var(--f-label);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink)}
input,select,textarea{font:inherit;font-size:1rem;color:var(--ink);background:var(--paper);border:1px solid var(--rule);border-radius:2px;padding:12px 14px;width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px color-mix(in srgb,var(--gold) 25%,transparent)}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.92rem;color:var(--muted)}
.check input{width:18px;height:18px;margin-top:3px;flex:none;accent-color:var(--brand)}
.err{color:#B3261E;font-size:.88rem;min-height:1.2em}
:root[data-theme="dark"] .err{color:#F2B8B5}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .err{color:#F2B8B5}}
.done{grid-column:1/-1;padding:24px;border:1px solid var(--gold);background:var(--paper)}
.done h3{margin-bottom:8px}
.preview-note{font-size:.85rem;color:var(--muted);border-left:2px solid var(--gold);padding-left:12px;margin-top:20px}
@media (max-width:820px){.apply .wrap{grid-template-columns:1fr}}
@media (max-width:520px){form{grid-template-columns:1fr}}

/* footer */
footer.band{padding-block:64px 40px}
footer .wrap{display:grid;gap:40px}
.foot-top{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr) minmax(0,1fr);gap:32px;align-items:start}
.on-band{--brand:var(--band-fg);--gold:var(--band-gold);--gold-ink:var(--band-gold)}
.logo-p{width:220px;height:auto}
.foot-top h4{font-family:var(--f-label);font-weight:500;font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--band-gold);margin:0 0 12px}
.foot-top p,.foot-top a{color:var(--band-muted);font-size:.95rem;text-decoration:none}
.foot-top ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.legal{border-top:1px solid color-mix(in srgb,var(--band-gold) 30%,transparent);padding-top:24px;font-size:.8rem;line-height:1.6;color:var(--band-muted);display:grid;gap:10px}
@media (max-width:820px){.foot-top{grid-template-columns:1fr}}

/* multi-page additions */
.nav a[aria-current="page"]{color:var(--gold-ink);opacity:1;box-shadow:0 1px 0 var(--gold)}
.nav a.btn[aria-current="page"]{color:var(--paper);box-shadow:none}
.nav a.btn[aria-current="page"]:hover{color:var(--brand)}
.menu-btn{display:none;background:none;border:1px solid var(--rule);color:var(--ink);font-family:var(--f-label);font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;padding:10px 14px;border-radius:2px;cursor:pointer}
@media (max-width:900px){
  .top .wrap{flex-wrap:wrap}
  .menu-btn{display:inline-flex}
  .nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;padding-block:8px 14px}
  .nav.open{display:flex}
  .nav a:not(.btn){display:block;padding:14px 0;border-bottom:1px solid var(--rule)}
  .nav .btn{margin-top:14px}
  .nav a[aria-current="page"]{box-shadow:none}
}
.page-hero{padding-block:clamp(56px,8vw,96px) clamp(40px,5vw,64px);border-bottom:1px solid var(--rule)}
.page-hero .wrap{display:grid;gap:18px}
.page-hero h1{font-size:clamp(2.4rem,5vw,3.6rem)}
.page-body{padding-block:clamp(48px,7vw,88px)}
.page-body + .page-body{padding-top:0}
.two{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,80px);align-items:start}
.two h2{font-size:clamp(1.7rem,3vw,2.2rem)}
.two .side{display:grid;gap:14px}
.two .side p{color:var(--muted)}
@media (max-width:820px){.two{grid-template-columns:1fr}}
.why{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,4vw,48px)}
.why div{display:grid;gap:10px;align-content:start;padding-top:22px;border-top:1px solid var(--rule)}
.why div::before{content:"";width:8px;height:8px;transform:rotate(45deg);background:var(--gold)}
.why p{color:var(--muted)}
@media (max-width:820px){.why{grid-template-columns:1fr}}
.more{margin-top:28px}
.more a{font-family:var(--f-label);font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-ink);text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:3px}
.cta-band{padding-block:clamp(48px,7vw,80px)}
.cta-band .wrap{display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.cta-band h2{color:var(--band-fg);font-size:clamp(1.8rem,3.4vw,2.5rem)}
.cta-band p{color:var(--band-muted);margin-top:8px}
.cta-band .btn{background:var(--band-gold);border-color:var(--band-gold);color:var(--band-bg)}
.cta-band .btn:hover{background:transparent;color:var(--band-gold)}
.repay{margin-top:0}

/* ---------- mobile optimization ---------- */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{overflow-x:clip}
a,button,summary{-webkit-tap-highlight-color:transparent}
.menu-btn{align-items:center;gap:10px;min-height:44px}
.bars{position:relative;width:18px;height:12px;border-top:1.5px solid currentColor;border-bottom:1.5px solid currentColor}
.bars::after{content:"";position:absolute;left:0;right:0;top:50%;border-top:1.5px solid currentColor;transform:translateY(-50%)}
.mbar{display:none}
@media (max-width:900px){
  .logo-h{height:44px}
  .top .wrap{padding-block:10px}
  .nav{max-height:calc(100dvh - 70px);overflow-y:auto}
  .nav a:not(.btn){font-size:.82rem;padding:16px 0}
  .nav .btn{min-height:50px}
}
@media (max-width:760px){
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:color-mix(in srgb,var(--paper) 94%,transparent);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-top:1px solid var(--rule)}
  .mbar .btn{flex:1;min-height:50px}
  body.has-mbar{padding-bottom:calc(72px + env(safe-area-inset-bottom,0px))}
  html.menu-open .mbar{display:none}
}
@media (max-width:600px){
  body{font-size:16px;line-height:1.6}
  section{padding-block:56px}
  .hero{padding-block:36px 48px}
  .hero-mark{display:none}
  h1{font-size:clamp(2.3rem,10vw,2.8rem)}
  h2{font-size:clamp(1.7rem,7.5vw,2.1rem)}
  .page-hero{padding-block:40px 32px}
  .page-hero h1{font-size:clamp(2.1rem,9vw,2.5rem)}
  .page-body{padding-block:40px}
  .lede{font-size:1.05rem}
  .sec-head{margin-bottom:28px}
  .btn{min-height:50px;padding:14px 20px}
  .ctas{flex-direction:column}
  .ctas .btn{width:100%}
  .facts{flex-direction:column;gap:10px}
  .steps li{padding-top:22px}
  .flow div{padding-block:14px}
  .band-note{margin-top:32px;padding:18px}
  .cases div{padding-block:16px}
  .rlist li{padding:16px 0}
  .faq summary{font-size:1.2rem;padding-block:18px;min-height:44px}
  .cta-band .wrap{flex-direction:column;align-items:stretch}
  .cta-band .btn{width:100%}
  .two .side .ctas .btn{width:100%}
  form .btn{width:100%}
  input,select,textarea{font-size:16px;min-height:48px}
  .check input{min-height:auto}
  .logo-p{width:180px}
  .foot-top ul a{display:inline-block;padding:8px 0}
  footer.band{padding-block:48px 32px}
  .legal{font-size:.78rem}
}
@media (max-width:360px){.wrap{padding-inline:14px}h1{font-size:2.1rem}}
@media (prefers-reduced-motion: reduce){*{transition:none!important}}