/* Verano Lending Technology — main stylesheet
   Author: in-house web team, Hialeah FL
   ------------------------------------------------ */

:root{
  --ink:#131a1f;
  --ink-2:#3b4a52;
  --sand:#f6f1e8;
  --sand-2:#efe6d7;
  --paper:#ffffff;
  --teal:#0f5f5c;
  --teal-2:#14807b;
  --clay:#c4622d;
  --clay-2:#e0813f;
  --line:rgba(19,26,31,.12);
  --shadow:0 18px 45px -25px rgba(15,42,44,.55);
  --shadow-sm:0 8px 24px -18px rgba(15,42,44,.6);
  --radius:18px;
  --wrap:1180px;
  --ff-display:"Fraunces",Georgia,serif;
  --ff-body:"Karla","Helvetica Neue",Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--sand);color:var(--ink);
  font-family:var(--ff-body);font-size:17px;line-height:1.68;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--ff-display);font-weight:600;line-height:1.12;margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(2.3rem,5.2vw,3.7rem)}
h2{font-size:clamp(1.75rem,3.4vw,2.5rem)}
h3{font-size:1.22rem}
p{margin:0 0 1.05em}
.wrap{width:min(100% - 2.6rem,var(--wrap));margin-inline:auto}
.eyebrow{
  font-size:.76rem;letter-spacing:.19em;text-transform:uppercase;
  font-weight:700;color:var(--clay);margin:0 0 .9rem;display:block
}
.lead{font-size:1.12rem;color:var(--ink-2);max-width:62ch}
.muted{color:var(--ink-2)}
.center{text-align:center}
.center .lead{margin-inline:auto}
section{padding:clamp(3.4rem,7vw,6rem) 0}
.sec-sand{background:var(--sand-2)}
.sec-paper{background:var(--paper)}
.sec-ink{background:var(--ink);color:#e8eef0}
.sec-ink h2,.sec-ink h3{color:#fff}
.sec-ink .lead,.sec-ink p{color:#b9c8cc}

/* ---------- skip link ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--teal);color:#fff;padding:.7rem 1.1rem;z-index:200;border-radius:0 0 10px 0}
.skip:focus{left:0}

/* ---------- header ---------- */
.topbar{background:var(--ink);color:#c9d6d8;font-size:.82rem}
.topbar .wrap{display:flex;gap:1.4rem;justify-content:space-between;align-items:center;min-height:40px;flex-wrap:wrap}
.topbar a{color:#e8eef0}
.topbar span{display:inline-flex;align-items:center;gap:.45rem}

.site-header{position:sticky;top:0;z-index:100;background:rgba(246,241,232,.86);backdrop-filter:blur(12px);border-bottom:1px solid transparent;transition:box-shadow .3s ease,border-color .3s ease,background .3s ease}
.site-header.is-stuck{box-shadow:0 10px 30px -24px rgba(0,0,0,.7);border-color:var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px}
.brand{display:flex;align-items:center;gap:.65rem;font-family:var(--ff-display);font-weight:700;font-size:1.12rem;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand svg{width:38px;height:38px;flex:none}
.brand small{display:block;font-family:var(--ff-body);font-weight:600;font-size:.62rem;letter-spacing:.17em;text-transform:uppercase;color:var(--ink-2)}
.nav-links{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:0}
.nav-links a{
  display:block;padding:.55rem .8rem;border-radius:10px;color:var(--ink);
  font-weight:600;font-size:.94rem;position:relative;transition:color .2s,background .2s
}
.nav-links a::after{content:"";position:absolute;left:.8rem;right:.8rem;bottom:.32rem;height:2px;background:var(--clay);transform:scaleX(0);transform-origin:right;transition:transform .3s ease}
.nav-links a:hover{text-decoration:none;color:var(--teal)}
.nav-links a:hover::after,.nav-links a[aria-current="page"]::after{transform:scaleX(1);transform-origin:left}
.nav-cta{display:flex;align-items:center;gap:.6rem}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);background:transparent;border-radius:12px;cursor:pointer}
.burger span{display:block;width:19px;height:2px;background:var(--ink);margin:4px auto;transition:.25s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;padding:.82rem 1.4rem;border-radius:999px;
  font-weight:700;font-size:.94rem;border:1px solid transparent;cursor:pointer;
  transition:transform .22s cubic-bezier(.2,.8,.3,1),box-shadow .22s,background .22s,color .22s
}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:var(--shadow-sm)}
.btn-primary:hover{background:var(--teal-2);color:#fff;box-shadow:0 16px 30px -18px rgba(15,95,92,.9)}
.btn-clay{background:var(--clay);color:#fff}
.btn-clay:hover{background:var(--clay-2);color:#fff}
.btn-ghost{border-color:var(--line);color:var(--ink);background:transparent}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{color:var(--teal)}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--ink)}
.hero-media{position:absolute;inset:0}
.hero-media img{width:100%;height:100%;object-fit:cover;transform:scale(1.06);animation:slowzoom 22s ease-out forwards}
@keyframes slowzoom{to{transform:scale(1)}}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,20,23,.93) 8%,rgba(9,20,23,.76) 46%,rgba(9,20,23,.42) 100%)}
.hero-inner{position:relative;padding:clamp(4rem,10vw,7.5rem) 0 clamp(3.5rem,8vw,6rem);color:#fff;max-width:44rem}
.hero h1{color:#fff}
.hero p{color:#cdd9dc;font-size:1.14rem;max-width:36rem}
.hero .eyebrow{color:#ecb98d}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.7rem}
.hero-facts{display:flex;flex-wrap:wrap;gap:2.2rem;margin-top:2.8rem;padding-top:1.7rem;border-top:1px solid rgba(255,255,255,.18)}
.hero-facts div strong{display:block;font-family:var(--ff-display);font-size:1.9rem;color:#fff;line-height:1}
.hero-facts div span{font-size:.83rem;letter-spacing:.09em;text-transform:uppercase;color:#9fb3b7}

/* page banner (inner pages) */
.pagehead{position:relative;background:var(--ink);color:#fff;overflow:hidden}
.pagehead img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.32}
.pagehead .wrap{position:relative;padding:clamp(3rem,7vw,5rem) 0}
.pagehead h1{color:#fff;margin-bottom:.35rem}
.pagehead p{color:#c3d1d4;max-width:56ch;margin:0}
.crumbs{font-size:.82rem;color:#9fb3b7;margin-bottom:1rem}
.crumbs a{color:#e2b391}

/* ---------- marquee ---------- */
.marquee{background:var(--teal);color:#dff1ef;padding:.85rem 0;overflow:hidden;white-space:nowrap}
.marquee-track{display:inline-flex;gap:3rem;animation:slide 34s linear infinite;font-size:.83rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes slide{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ---------- grids & cards ---------- */
.grid{display:grid;gap:1.4rem}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.8rem,4vw,3.4rem);align-items:center}
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.6rem;transition:transform .3s cubic-bezier(.2,.8,.3,1),box-shadow .3s,border-color .3s;position:relative;overflow:hidden
}
.card::before{content:"";position:absolute;left:0;top:0;height:3px;width:100%;background:linear-gradient(90deg,var(--teal),var(--clay));transform:scaleX(0);transform-origin:left;transition:transform .35s ease}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card h3{margin-bottom:.4rem}
.card p:last-child{margin-bottom:0}
.card .num{font-family:var(--ff-display);font-size:.9rem;color:var(--clay);font-weight:700;letter-spacing:.1em}
.icon{
  width:46px;height:46px;border-radius:13px;display:grid;place-items:center;margin-bottom:1rem;
  background:rgba(15,95,92,.09);color:var(--teal)
}
.icon svg{width:23px;height:23px}
.figure{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);position:relative}
.figure img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.8,.3,1)}
.figure:hover img{transform:scale(1.05)}
.figure figcaption{position:absolute;left:0;right:0;bottom:0;padding:1.6rem 1.3rem .9rem;color:#fff;font-size:.85rem;background:linear-gradient(transparent,rgba(9,20,23,.85))}

.pill-list{list-style:none;margin:1.2rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}
.pill-list li{background:rgba(15,95,92,.08);color:var(--teal);border-radius:999px;padding:.35rem .85rem;font-size:.82rem;font-weight:600}
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding-left:1.85rem;margin-bottom:.65rem;color:var(--ink-2)}
.ticks li::before{
  content:"";position:absolute;left:0;top:.42em;width:1.05rem;height:1.05rem;border-radius:50%;
  background:rgba(196,98,45,.14);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4622d' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:.7rem;background-repeat:no-repeat;background-position:center
}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;text-align:center}
.stat{padding:1.5rem 1rem;border-radius:var(--radius);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.sec-paper .stat,.sec-sand .stat{background:var(--paper);border-color:var(--line)}
.stat b{display:block;font-family:var(--ff-display);font-size:2.4rem;line-height:1;color:var(--clay-2)}
.sec-paper .stat b,.sec-sand .stat b{color:var(--clay)}
.stat span{font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}

/* timeline */
.timeline{list-style:none;margin:0;padding:0 0 0 1.7rem;border-left:2px dashed rgba(19,26,31,.18)}
.timeline li{position:relative;padding:0 0 1.9rem 1.1rem}
.timeline li::before{content:"";position:absolute;left:-2.35rem;top:.35rem;width:14px;height:14px;border-radius:50%;background:var(--clay);box-shadow:0 0 0 5px var(--sand)}
.sec-paper .timeline li::before{box-shadow:0 0 0 5px var(--paper)}
.timeline h3{margin-bottom:.2rem}
.timeline time{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);font-weight:700}

/* quotes */
.quote{background:var(--paper);border-radius:var(--radius);padding:1.8rem;border:1px solid var(--line);position:relative}
.quote::after{content:"”";position:absolute;top:.1rem;right:1.1rem;font-family:var(--ff-display);font-size:4.5rem;color:rgba(15,95,92,.13);line-height:1}
.quote p{font-size:1.02rem}
.quote footer{font-size:.86rem;color:var(--ink-2);font-weight:600}

/* accordion */
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{
  cursor:pointer;list-style:none;padding:1.1rem 2.2rem 1.1rem 0;font-weight:700;position:relative;
  font-family:var(--ff-display);font-size:1.06rem
}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";position:absolute;right:.2rem;top:.95rem;font-size:1.5rem;color:var(--clay);transition:transform .3s}
.acc details[open] summary::after{transform:rotate(45deg)}
.acc .acc-body{padding:0 1.5rem 1.2rem 0;color:var(--ink-2);animation:fadeUp .35s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.95rem}
th,td{padding:.85rem 1rem;text-align:left;border-bottom:1px solid var(--line)}
th{background:rgba(15,95,92,.06);font-weight:700;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:rgba(196,98,45,.05)}

/* forms */
.form{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;box-shadow:var(--shadow-sm)}
.field{margin-bottom:1rem}
.field label{display:block;font-weight:700;font-size:.86rem;margin-bottom:.35rem}
.field input,.field select,.field textarea{
  width:100%;padding:.75rem .9rem;border:1px solid var(--line);border-radius:12px;
  font:inherit;font-size:.95rem;background:var(--sand);color:var(--ink);transition:border-color .2s,box-shadow .2s,background .2s
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 4px rgba(15,95,92,.12)
}
.field textarea{min-height:130px;resize:vertical}
.form-note{font-size:.8rem;color:var(--ink-2)}
.form-status{display:none;margin-top:1rem;padding:.9rem 1rem;border-radius:12px;background:rgba(15,95,92,.1);color:var(--teal);font-weight:600;font-size:.92rem}
.form-status.show{display:block;animation:fadeUp .35s ease}

/* contact blocks */
.info-row{display:flex;gap:.9rem;align-items:flex-start;margin-bottom:1.2rem}
.info-row .icon{margin:0;flex:none}
.info-row strong{display:block;font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-2)}
.info-row a,.info-row span{font-size:1.02rem;font-weight:600;color:var(--ink)}
.map{border:0;width:100%;height:340px;border-radius:var(--radius);filter:grayscale(.25) contrast(1.05)}

/* legal pages */
.legal{max-width:78ch}
.legal h2{margin-top:2.4rem;font-size:1.5rem}
.legal h3{margin-top:1.6rem}
.legal ul{padding-left:1.15rem;color:var(--ink-2)}
.legal li{margin-bottom:.45rem}
.toc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.5rem;margin-bottom:2rem}
.toc ol{margin:.4rem 0 0;padding-left:1.2rem;columns:2;column-gap:2rem;font-size:.93rem}
@media(max-width:680px){.toc ol{columns:1}}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--teal) 0%,#0b4644 60%,#123a38 100%);color:#fff;border-radius:26px;padding:clamp(2rem,5vw,3.4rem);text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;width:420px;height:420px;background:radial-gradient(circle,rgba(224,129,63,.35),transparent 68%);top:-160px;right:-120px}
.cta-band h2{color:#fff;position:relative}
.cta-band p{color:#c8e0dd;max-width:52ch;margin-inline:auto;position:relative}
.cta-band .hero-actions{justify-content:center;position:relative}

/* footer */
.site-footer{background:#0c1417;color:#9db0b4;padding:3.6rem 0 1.6rem;font-size:.93rem}
.site-footer h4{color:#fff;font-family:var(--ff-body);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;margin:0 0 1rem}
.site-footer a{color:#c6d5d8}
.site-footer a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:2rem}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:.5rem}
.foot-brand svg{width:40px;height:40px}
.foot-bottom{margin-top:2.6rem;padding-top:1.3rem;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.84rem}
.foot-bottom nav{display:flex;gap:1.1rem;flex-wrap:wrap}

/* cookie banner */
.cookie{
  position:fixed;left:50%;bottom:1.1rem;transform:translate(-50%,140%);width:min(100% - 1.6rem,940px);
  background:var(--paper);border:1px solid var(--line);border-radius:20px;box-shadow:0 24px 60px -28px rgba(0,0,0,.6);
  padding:1.25rem 1.4rem;z-index:150;display:flex;gap:1.2rem;align-items:center;flex-wrap:wrap;
  transition:transform .55s cubic-bezier(.2,.9,.25,1)
}
.cookie.show{transform:translate(-50%,0)}
.cookie p{margin:0;flex:1 1 340px;font-size:.9rem;color:var(--ink-2)}
.cookie strong{color:var(--ink);display:block;font-family:var(--ff-display);font-size:1.05rem}
.cookie .btns{display:flex;gap:.6rem;flex-wrap:wrap}
.cookie .btn{padding:.62rem 1.1rem;font-size:.87rem}

/* back to top */
.totop{
  position:fixed;right:1.1rem;bottom:1.1rem;width:46px;height:46px;border-radius:50%;
  background:var(--ink);color:#fff;display:grid;place-items:center;border:0;cursor:pointer;
  opacity:0;pointer-events:none;transform:translateY(12px);transition:.3s;z-index:120
}
.totop.show{opacity:1;pointer-events:auto;transform:none}
.totop:hover{background:var(--teal)}

/* progress bar */
.progress{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,var(--clay),var(--teal));width:0;z-index:200}

/* reveal animation */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.8,.3,1)}
.reveal.in{opacity:1;transform:none}

@media (prefers-reduced-motion: reduce){
  *{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
}

/* responsive */
@media(max-width:980px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:820px){
  .burger{display:block}
  .nav-links{
    position:absolute;top:76px;left:0;right:0;background:var(--paper);flex-direction:column;
    align-items:stretch;gap:0;padding:.6rem 1.2rem 1.2rem;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow);display:none
  }
  .nav-links.open{display:flex;animation:fadeUp .3s ease}
  .nav-links a{padding:.8rem .2rem;border-bottom:1px solid var(--line)}
  .nav-cta .btn{display:none}
  .topbar .wrap{justify-content:center;font-size:.78rem}
}
@media(max-width:560px){
  .g2,.g3,.g4{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr}
  .hero-facts{gap:1.4rem}
}