/* ECHO CAPITAL — website (Visual Identity 2026: Midnight Black · Capital Green) */
:root{
  --ink:#0d0d0d; --char:#141414; --graphite:#1c1c1e; --slate:#242427;
  --line:rgba(255,255,255,0.12); --line-soft:rgba(255,255,255,0.07);
  --white:#ffffff; --paper:#f4f3f0;
  --g1:#7c7c80; --g2:#a6a6aa; --g3:#bfbfbf; --g4:#e6e5e2;
  --accent:#cee5b1; --accent-soft:rgba(206,229,177,0.16);
  --display:'Montserrat',sans-serif; --body:'Noto Sans',sans-serif; --logo:'Orbitron',sans-serif;
  --maxw:1200px; --gutter:clamp(20px,5vw,76px); --nav-h:82px;
  --sect:clamp(76px,11vw,158px);
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--ink);color:var(--white);font-family:var(--body);font-weight:300;line-height:1.7;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
::selection{background:var(--accent-soft)}
.wrap{max-width:var(--maxw);margin:0 auto;padding-left:var(--gutter);padding-right:var(--gutter)}

/* type */
.eyebrow{font-family:var(--display);font-size:11px;letter-spacing:.32em;text-transform:uppercase;color:var(--g1);font-weight:500;display:flex;align-items:center;gap:13px}
.eyebrow::before{content:"";width:24px;height:1px;background:var(--accent);opacity:.85}
.eyebrow.c{justify-content:center}.eyebrow.c::after{content:"";width:24px;height:1px;background:var(--accent);opacity:.85}
h1,h2,h3,h4{font-family:var(--display);font-weight:500;letter-spacing:-.018em;line-height:1.05}
h1 em,h2 em,h3 em{font-style:normal;color:var(--accent)}
.display{font-size:clamp(42px,7.2vw,96px);font-weight:800;letter-spacing:-.032em;line-height:.97}
.h-sec{font-size:clamp(30px,4.7vw,58px);font-weight:500}
.h-card{font-size:clamp(22px,2.6vw,29px);font-weight:500}
.lead{color:var(--g2);font-size:clamp(15px,1.55vw,18.5px);line-height:1.75;max-width:60ch;font-weight:300}
.body-copy{color:var(--g2);line-height:1.85;font-weight:300}.body-copy+.body-copy{margin-top:16px}
.body-copy b,.lead b{color:var(--g3);font-weight:500}
.muted{color:var(--g1)}
.snum{font-family:var(--display);font-weight:600;font-size:14px;color:var(--accent)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:11px;font-family:var(--display);font-size:12px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;padding:15px 26px;border-radius:3px;cursor:pointer;border:1px solid transparent;white-space:nowrap;transition:background .3s,color .3s,border-color .3s,transform .3s}
.btn .arr{transition:transform .3s}.btn:hover .arr{transform:translateX(4px)}
.btn-primary{background:var(--white);color:var(--ink)}.btn-primary:hover{background:var(--accent)}
.btn-ghost{border-color:var(--line);color:var(--white)}.btn-ghost:hover{border-color:var(--g2);background:rgba(255,255,255,.04)}
.btn-text{padding:0;color:var(--g3);letter-spacing:.13em}.btn-text:hover{color:var(--white)}.btn-text .arr{color:var(--accent)}

/* rating badge */
.rating-badge{display:inline-flex;align-items:center;gap:11px;font-family:var(--display)}
.rating-badge .stars{color:var(--accent);font-size:15px;letter-spacing:2px}
.rating-badge .txt{font-size:13px;color:var(--g3);font-weight:500}
.rating-badge .txt b{color:var(--white);font-weight:700}

/* header */
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;border-bottom:1px solid transparent;transition:background .4s,border-color .4s,backdrop-filter .4s}
.site-header.scrolled{background:rgba(13,13,13,.82);backdrop-filter:blur(14px) saturate(120%);-webkit-backdrop-filter:blur(14px) saturate(120%);border-bottom:1px solid var(--line-soft)}
.nav{display:flex;align-items:center;justify-content:space-between;height:var(--nav-h)}
.brand{display:flex;align-items:center;gap:11px}
.brand-mark{height:34px;width:auto;flex:none}
.brand-wm{font-family:var(--logo);font-weight:500;font-size:18px;letter-spacing:.03em;color:var(--white);text-transform:uppercase;line-height:1;white-space:nowrap}
.brand-wm b{font-weight:800}
.nav-links{display:flex;align-items:center;gap:36px}
.nav-links a{font-family:var(--display);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--g2);font-weight:400;position:relative;padding:6px 0;transition:color .3s}
.nav-links a::after{content:"";position:absolute;left:0;bottom:0;height:1px;width:0;background:var(--accent);transition:width .35s}
.nav-links a:hover{color:var(--white)}.nav-links a:hover::after{width:100%}
.nav-right{display:flex;align-items:center;gap:22px}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;width:30px;height:20px;position:relative}
.nav-toggle span{position:absolute;left:0;right:0;height:1.5px;background:var(--white);transition:transform .3s,opacity .3s}
.nav-toggle span:nth-child(1){top:1px}.nav-toggle span:nth-child(2){top:9px}.nav-toggle span:nth-child(3){top:17px}
body.menu-open .nav-toggle span:nth-child(1){transform:translateY(8px) rotate(45deg)}
body.menu-open .nav-toggle span:nth-child(2){opacity:0}
body.menu-open .nav-toggle span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
.mobile-menu{position:fixed;inset:0;z-index:90;background:var(--ink);display:flex;flex-direction:column;justify-content:center;gap:4px;padding:0 var(--gutter);opacity:0;visibility:hidden;transform:translateY(-10px);transition:opacity .4s,transform .4s,visibility .4s}
body.menu-open .mobile-menu{opacity:1;visibility:visible;transform:none}
.mobile-menu a{font-family:var(--display);font-size:clamp(34px,8vw,52px);font-weight:500;padding:8px 0}
.mobile-menu .mm-foot{margin-top:34px;font-size:13px;color:var(--g1)}.mobile-menu .mm-foot a{font-size:13px;color:var(--g3);display:inline}
@media(max-width:980px){.nav-links,.nav-right .btn{display:none}.nav-toggle{display:block}}

/* hero */
.hero{position:relative;min-height:100svh;display:flex;align-items:center;overflow:hidden}
.hero-bg{position:absolute;inset:0;overflow:hidden;background:radial-gradient(88% 96% at 80% 10%,#181818 0%,#0d0d0d 58%)}
.hero-bg::before{content:"";position:absolute;left:-25%;right:-25%;bottom:-34%;height:104%;background:radial-gradient(50% 50% at 50% 50%,rgba(206,229,177,.26) 0%,rgba(206,229,177,.09) 42%,transparent 70%);transform:rotate(-13deg);filter:blur(6px);pointer-events:none}
.hero-bg::after{content:"";position:absolute;left:0;right:0;bottom:0;height:62%;background:radial-gradient(42% 70% at 16% 104%,rgba(206,229,177,.20) 0%,transparent 56%);pointer-events:none}
.hero-ripple{position:absolute;right:-12vw;top:50%;transform:translateY(-50%);width:min(92vh,840px);aspect-ratio:1;pointer-events:none;opacity:.5}
.hero-ripple svg{width:100%;height:100%;overflow:visible}
.hero-ripple .ring{fill:none;stroke:#cee5b1;stroke-width:1;transform-origin:center;opacity:0}
@media(prefers-reduced-motion:no-preference){
  .hero-ripple .ring{animation:ripple 7s ease-out infinite}
  .hero-ripple .ring:nth-child(1){animation-delay:0s}
  .hero-ripple .ring:nth-child(2){animation-delay:1.4s}
  .hero-ripple .ring:nth-child(3){animation-delay:2.8s}
  .hero-ripple .ring:nth-child(4){animation-delay:4.2s}
  .hero-ripple .ring:nth-child(5){animation-delay:5.6s}
}
@keyframes ripple{0%{transform:scale(.15);opacity:0}12%{opacity:.5}100%{transform:scale(1);opacity:0}}
@media(prefers-reduced-motion:reduce){.hero-ripple .ring:nth-child(3){opacity:.32}}
.hero-inner{position:relative;z-index:2;width:100%;padding-top:118px;padding-bottom:90px}
.hero h1{margin-top:28px;max-width:17ch}
.hero .lead{margin-top:28px}
.hero-cta{margin-top:42px;display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.hero-meta{margin-top:62px;display:flex;gap:clamp(24px,5vw,64px);flex-wrap:wrap;border-top:1px solid var(--line-soft);padding-top:30px}
.hero-meta .m .n{font-family:var(--display);font-weight:600;font-size:clamp(26px,3.4vw,38px);letter-spacing:-.02em}
.hero-meta .m .l{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--g1);margin-top:7px}
.scroll-cue{position:absolute;bottom:30px;left:var(--gutter);z-index:2;display:flex;align-items:center;gap:11px;color:var(--g1);font-family:var(--display);font-size:10.5px;letter-spacing:.24em;text-transform:uppercase}
.scroll-cue .ln{width:42px;height:1px;background:var(--g1);position:relative;overflow:hidden}
.scroll-cue .ln::after{content:"";position:absolute;inset:0 auto 0 0;width:50%;background:var(--accent);animation:slide 2.6s ease-in-out infinite}
@keyframes slide{0%{transform:translateX(-100%)}60%,100%{transform:translateX(200%)}}
@media(prefers-reduced-motion:reduce){.scroll-cue .ln::after{animation:none}}

/* decorative fold shape (hero) */
.hero-fold{position:absolute;right:-6vw;top:0;bottom:0;width:min(46vw,620px);pointer-events:none;opacity:.9}
.hero-fold svg{width:100%;height:100%}

/* stat band */
.stat-band{border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);background:var(--char)}
.stat-band .wrap{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line-soft)}
@media(max-width:560px){.stat-band .wrap{grid-template-columns:1fr}}
.stat-band .cell{background:var(--char);padding:clamp(34px,5vw,54px) clamp(20px,3vw,40px);text-align:center}
.stat-band .n{font-family:var(--display);font-weight:800;font-size:clamp(38px,5.6vw,58px);letter-spacing:-.03em;line-height:1}
.stat-band .n span{color:var(--accent)}
.stat-band .l{margin-top:10px;font-size:11.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--g1);font-weight:500;font-family:var(--display)}

/* sections */
.section{padding-top:var(--sect);padding-bottom:var(--sect)}
.section.tight{padding-top:clamp(58px,8vw,104px);padding-bottom:clamp(58px,8vw,104px)}
.rule{height:1px;background:var(--line-soft);border:0}
.s-head{display:flex;align-items:baseline;gap:18px;margin-bottom:clamp(40px,6vw,68px);flex-wrap:wrap}
.s-head .snum{min-width:30px}
.s-head .t{font-family:var(--display);font-size:13px;letter-spacing:.26em;text-transform:uppercase;font-weight:500}
.s-head .d{color:var(--g1);font-size:13px;margin-left:auto;max-width:42ch;text-align:right}
.lede-block{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,80px);align-items:end}
@media(max-width:760px){.lede-block{grid-template-columns:1fr;gap:22px}}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:860px){.pillars{grid-template-columns:1fr}}
.pillar{border:1px solid var(--line-soft);border-radius:6px;background:var(--char);padding:clamp(28px,3vw,40px);transition:border-color .4s,background .4s,transform .4s}
.pillar:hover{border-color:var(--line);background:var(--graphite);transform:translateY(-4px)}
.pillar .pn{font-family:var(--display);font-weight:800;font-size:34px;color:var(--accent);line-height:1}
.pillar h3{margin:18px 0 12px;font-size:26px}
.pillar p{color:var(--g2);font-size:14.5px;line-height:1.8;font-weight:300}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.svc-grid{grid-template-columns:1fr}}
.svc{border:1px solid var(--line-soft);border-radius:6px;background:var(--char);padding:clamp(28px,3vw,40px);display:flex;flex-direction:column;min-height:330px;position:relative;overflow:hidden;transition:border-color .4s,background .4s,transform .4s}
.svc::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .45s ease}
.svc:hover::before{transform:scaleX(1)}
.svc:hover{border-color:var(--line);background:var(--graphite);transform:translateY(-4px)}
.svc .svc-no{font-family:var(--display);font-weight:800;font-size:30px;color:var(--accent);line-height:1}
.svc .ic{margin:22px 0 24px;color:var(--white)}
.svc h3{font-size:25px}
.svc p{margin-top:13px;color:var(--g2);font-size:14px;line-height:1.8;flex:1;font-weight:300}
.svc ul{margin-top:18px;list-style:none;display:flex;flex-direction:column;gap:9px}
.svc ul li{font-size:13px;color:var(--g3);display:flex;gap:10px;align-items:baseline}
.svc ul li::before{content:"";width:4px;height:4px;border-radius:50%;background:var(--accent);flex:none;transform:translateY(-2px)}

/* process */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-soft);border:1px solid var(--line-soft);border-radius:6px;overflow:hidden}
@media(max-width:880px){.process{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.process{grid-template-columns:1fr}}
.step{background:var(--ink);padding:clamp(26px,3vw,38px);min-height:220px;display:flex;flex-direction:column;position:relative}
.step::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--accent);opacity:0;transition:opacity .35s}
.step:hover::before{opacity:1}
.step .sn{font-family:var(--display);font-weight:800;font-size:40px;color:var(--accent);line-height:1}
.step h4{margin-top:auto;font-size:21px;font-weight:500}
.step p{color:var(--g1);font-size:13.5px;margin-top:11px;line-height:1.7;font-weight:300}

/* lenders marquee */
.lender-marquee{position:relative;overflow:hidden;display:flex;flex-direction:column;gap:16px;margin-left:calc(var(--gutter)*-1);margin-right:calc(var(--gutter)*-1);padding:6px 0;-webkit-mask-image:linear-gradient(90deg,transparent,#000 9%,#000 91%,transparent);mask-image:linear-gradient(90deg,transparent,#000 9%,#000 91%,transparent)}
.mrow{display:flex;gap:16px;width:max-content;will-change:transform}
.mrow.l{animation:mqL 64s linear infinite}.mrow.r{animation:mqR 82s linear infinite}
@keyframes mqL{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@keyframes mqR{from{transform:translateX(-50%)}to{transform:translateX(0)}}
.lender-marquee:hover .mrow{animation-play-state:paused}
@media(prefers-reduced-motion:reduce){.mrow{animation:none;flex-wrap:wrap;width:100%;justify-content:center}.lender-marquee{-webkit-mask-image:none;mask-image:none}}
.ltile{flex:none;height:82px;min-width:196px;padding:0 32px;display:flex;align-items:center;justify-content:center;border:1px solid var(--line-soft);border-radius:5px;background:var(--slate);font-family:var(--display);font-weight:600;font-size:17px;letter-spacing:.01em;color:var(--g3);white-space:nowrap;position:relative;overflow:hidden;transition:color .35s,background .35s,border-color .35s}
.ltile::before{content:"";position:absolute;bottom:0;left:0;right:0;height:2px;background:var(--accent);transform:scaleX(0);transform-origin:center;transition:transform .35s ease}
.ltile:hover{color:var(--white);background:var(--graphite);border-color:var(--accent)}
.ltile:hover::before{transform:scaleX(1)}
.lender-foot{margin-top:24px;text-align:center;font-family:var(--display);font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--g1)}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.quotes{grid-template-columns:1fr}}
.quote{border:1px solid var(--line-soft);border-radius:6px;background:var(--char);padding:clamp(28px,3vw,38px);display:flex;flex-direction:column;position:relative;overflow:hidden}
.quote::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .45s ease}
.quote:hover::before{transform:scaleX(1)}
.quote .stars{color:var(--accent);font-size:14px;letter-spacing:3px}
.quote blockquote{font-family:var(--display);font-weight:400;font-size:19px;line-height:1.5;color:var(--white);margin:20px 0 24px;flex:1;letter-spacing:-.01em}
.quote .who{font-size:12.5px;color:var(--g3);font-weight:500}
.quote .role{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--g1);margin-top:6px}

/* insights / articles */
.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.articles{grid-template-columns:1fr}}
.article{position:relative;display:flex;flex-direction:column;border:1px solid var(--line-soft);border-radius:6px;background:var(--char);padding:clamp(26px,3vw,36px);text-decoration:none;color:inherit;overflow:hidden;transition:border-color .4s,background .4s,transform .4s}
.article::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .45s ease}
.article:hover{border-color:var(--line);background:var(--graphite);transform:translateY(-4px)}
.article:hover::before{transform:scaleX(1)}
.article .meta{display:flex;align-items:center;gap:12px;font-family:var(--display);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase}
.article .cat{color:var(--accent)}
.article .dot{width:3px;height:3px;border-radius:50%;background:var(--g1)}
.article .date{color:var(--g1)}
.article h3{margin:20px 0 14px;font-size:24px;font-weight:500;line-height:1.18;letter-spacing:-.01em}
.article p{color:var(--g2);font-size:14px;line-height:1.8;font-weight:300;flex:1}
.article .read{margin-top:24px;font-family:var(--display);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--g3);display:flex;align-items:center;gap:9px;transition:color .3s}
.article .read .arr{color:var(--accent);transition:transform .3s}
.article:hover .read{color:var(--white)}
.article:hover .read .arr{transform:translateX(4px)}

/* cta */
.cta-band{position:relative;overflow:hidden;background:radial-gradient(120% 160% at 50% 116%,rgba(206,229,177,.14),transparent 52%),radial-gradient(120% 160% at 50% 0%,#171717,#0d0d0d 64%);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.cta-band .inner{text-align:center;padding:clamp(72px,10vw,140px) 0}
.cta-band h2{margin-bottom:28px}.cta-band .lead{margin:0 auto 38px;text-align:center}

/* footer */
.site-footer{padding-top:clamp(56px,7vw,88px);padding-bottom:40px}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;padding-bottom:54px}
@media(max-width:760px){.footer-top{grid-template-columns:1fr;gap:34px}}
.footer-brand .footer-logo{margin-bottom:18px}
.footer-brand p{color:var(--g1);font-size:13.5px;max-width:34ch;line-height:1.8}
.fcol h5{font-family:var(--display);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--g1);font-weight:500;margin-bottom:18px}
.fcol a,.fcol p{display:block;color:var(--g3);font-size:14px;padding:6px 0;transition:color .3s;font-weight:300}
.fcol a:hover{color:var(--white)}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:28px;border-top:1px solid var(--line-soft);flex-wrap:wrap}
.footer-bottom p,.footer-bottom a{font-size:11.5px;color:var(--g1);letter-spacing:.04em}
.footer-bottom .legal{display:flex;gap:22px}.footer-bottom .legal a:hover{color:var(--g3)}
.compliance{font-size:11px;color:var(--g1);margin-top:22px;max-width:96ch;line-height:1.7;font-weight:300}
.compliance em{color:var(--g2);font-style:italic}

/* reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .9s cubic-bezier(.22,.61,.36,1),transform .9s cubic-bezier(.22,.61,.36,1)}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.07s}.reveal.d2{transition-delay:.14s}.reveal.d3{transition-delay:.21s}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important}}