/* Skypay Business, round 3: the Studio system, ported from the Codex concepts (Manrope, dark green ink, soft green surfaces). */
:root { --accent: #008b48; --accent-deep: #006d39; --ink: #143e32; --muted: #5c7168; --line: #d5e4db; --soft: #eaf4ed; --paper: #f7faf8; --cream: #faf9f5; --mint: #f1f8f3; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Manrope, Arial, sans-serif; color: var(--ink); background: #fff; -webkit-font-smoothing: antialiased; }
button, input, select { font: inherit; }
button, a, summary { -webkit-tap-highlight-color: transparent; }
button { cursor: pointer; border: 0; background: none; color: inherit; }
a { color: inherit; text-decoration: none; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid var(--accent); outline-offset: 4px; }
h1, h2, h3, p { margin-top: 0; }
h1, h2 { letter-spacing: -.055em; line-height: 1.13; text-wrap: balance; }
h3 { letter-spacing: -.025em; }
p { color: var(--muted); line-height: 1.7; }
em { font-style: normal; color: var(--accent); }
img { max-width: 100%; display: block; }
svg.ic { flex-shrink: 0; }
.wrap { max-width: 1200px; padding-inline: max(40px, env(safe-area-inset-left, 0px)) max(40px, env(safe-area-inset-right, 0px)); margin: auto; }

/* header */
header.site-head { background: #fff; }
.header-inner { max-width: 1200px; margin: auto; padding: 25px 40px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: flex; gap: 18px; align-items: center; white-space: nowrap; }
.brand img { height: 31px; width: auto; }
.brand > span { font-size: 23px; font-weight: 700; letter-spacing: -.8px; border-left: 1px solid var(--line); padding-left: 18px; }
nav.site-nav, .header-actions { display: flex; align-items: center; gap: 25px; }
nav.site-nav { font-size: 12px; }
.phone { display: flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; }
.primary { background: var(--accent); color: #fff; display: inline-flex; justify-content: center; align-items: center; gap: 25px; border-radius: 9px; padding: 18px 24px; font-size: 13px; font-weight: 750; transition: background .2s, transform .2s; }
.primary:hover { background: var(--accent-deep); transform: translateY(-1px); }
.header-actions .primary { padding: 14px 20px; font-size: 12px; }
.eyebrow { font-size: 9px; letter-spacing: .11em; font-weight: 800; display: flex; align-items: center; gap: 8px; line-height: 1.6; text-transform: uppercase; }
.eyebrow > span { width: 5px; height: 5px; background: var(--accent); border-radius: 50%; }
.text-link { display: inline-flex; align-items: center; gap: 12px; padding: 0; background: none; color: var(--accent); font-size: 12px; font-weight: 750; }

/* hero */
.hero { display: grid; grid-template-columns: 1.2fr 1fr; gap: 76px; align-items: center; padding-block: 42px 52px; }
h1 { font-size: 54px; line-height: 1.1; margin: 24px 0; font-weight: 750; }
.intro { font-size: 15px; max-width: 490px; margin-bottom: 23px; }
.eligibility-inline { display: flex; flex-wrap: wrap; gap: 10px 17px; }
.eligibility-inline > span { display: flex; align-items: center; gap: 7px; font-size: 11px; font-weight: 750; white-space: nowrap; }
.eligibility-inline svg { color: var(--accent); }
.no-impact { display: flex; align-items: center; gap: 9px; font-size: 11px; margin: 14px 0 0; }
.no-impact svg { color: var(--accent); }
.hero-buttons { display: flex; align-items: center; gap: 18px; margin: 26px 0 17px; }
.hero-buttons > span { font-size: 10px; display: flex; align-items: center; gap: 7px; color: var(--muted); }
.timing { font-size: 10px; line-height: 1.6; max-width: 495px; margin-bottom: 0; }
.hero-finance-links { display: flex; gap: 20px; margin-top: 25px; font-size: 10px; font-weight: 700; }
.hero-finance-links span::before { content: '\2713'; color: var(--accent); margin-right: 6px; }

/* start card + amount control (hero and application share these) */
.start-card { background: var(--soft); border-radius: 18px; padding: 32px; }
.card-top { display: flex; justify-content: space-between; align-items: center; font-size: 9px; letter-spacing: .09em; font-weight: 800; margin-bottom: 25px; text-transform: uppercase; }
.start-card h2 { font-size: 32px; line-height: 1.12; margin-bottom: 28px; }
.amount label { display: block; font-size: 10px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 15px; }
.amount-input { display: flex; align-items: center; }
.amount-input > span, .amount-input input { font-size: 51px; letter-spacing: -.06em; line-height: 1.1; font-weight: 450; color: var(--ink); }
.amount-input input { border: 0; background: none; width: 100%; min-width: 0; padding: 0; font-variant-numeric: tabular-nums; }
.amount-range { appearance: none; -webkit-appearance: none; width: 100%; height: 5px; border: 0; border-radius: 8px; margin: 28px 0 8px; padding: 0; cursor: pointer; background: var(--line); }
.amount-range::-webkit-slider-thumb { appearance: none; -webkit-appearance: none; width: 23px; height: 23px; background: var(--accent); border: 4px solid #fff; border-radius: 50%; box-shadow: 0 0 0 1px var(--accent); }
.amount-range::-moz-range-thumb { width: 17px; height: 17px; border: 3px solid #fff; border-radius: 50%; background: var(--accent); }
.range-labels { display: flex; justify-content: space-between; font-size: 10px; color: var(--muted); margin: 5px 0 20px; }
.presets { display: flex; gap: 7px; margin-bottom: 24px; }
.presets button { flex: 1; min-width: 0; padding: 9px 4px; font-size: 10px; border: 1px solid #cadfd1; background: #ffffff90; color: var(--ink); border-radius: 6px; }
.presets button.selected { border-color: var(--accent); background: #fff; }
.start-card .primary { width: 100%; justify-content: space-between; }
.safe { display: flex; justify-content: center; align-items: center; gap: 6px; font-size: 9px; color: var(--muted); margin-top: 18px; }
.safe svg { color: var(--accent); }

/* requirements band, now with the fourth "have ready" line and the brief's helper copy */
.requirements { background: var(--paper); border-block: 1px solid var(--line); padding: 35px 0 32px; }
.requirements-heading { display: flex; justify-content: space-between; align-items: center; gap: 30px; }
.requirements-heading h2 { font-size: 27px; margin: 9px 0 22px; }
.requirements-heading > p { font-size: 11px; max-width: 260px; }
.requirements-list { display: grid; grid-template-columns: repeat(4, 1fr); gap: 25px; }
.requirements-list > div { display: flex; align-items: flex-start; gap: 15px; }
.requirements-list svg { color: var(--accent); width: 23px; height: 23px; flex-shrink: 0; }
.requirements-list h3 { font-size: 15px; margin-bottom: 5px; }
.requirements-list p { font-size: 11px; margin: 0; }

/* see how much you could borrow */
.section { padding-block: 65px; }
.section-head { display: flex; justify-content: space-between; gap: 40px; align-items: flex-end; margin-bottom: 32px; }
.section-head h2 { font-size: 38px; font-weight: 650; margin: 12px 0 0; }
.section-head > p { font-size: 13px; margin: 0; max-width: 330px; }
.borrow { display: grid; grid-template-columns: 1fr 1fr; gap: 0 50px; background: var(--soft); border-radius: 18px; padding: 32px; align-items: start; }
.borrow-q { display: grid; gap: 22px; }
.borrow-q label, .borrow-q .lab { display: block; font-size: 10px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 10px; }
.borrow-q select, .borrow-q input { width: 100%; padding: 14px 15px; border: 1px solid #cadfd1; border-radius: 9px; background: #fff; color: var(--ink); font-size: 14px; }
.borrow-q .seg { display: flex; gap: 7px; }
.borrow-q .seg button { flex: 1; padding: 12px; font-size: 12px; border: 1px solid #cadfd1; background: #ffffff90; border-radius: 6px; }
.borrow-q .seg button.selected { border-color: var(--accent); background: #fff; box-shadow: inset 0 0 0 1px var(--accent); }
.borrow-q .two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.borrow-q [hidden] { display: none !important; }
.borrow-out { background: #fff; border-radius: 12px; padding: 26px 28px; min-height: 100%; display: flex; flex-direction: column; gap: 20px; }
.borrow-out .num { font-size: 44px; letter-spacing: -.06em; line-height: 1.05; font-weight: 450; color: var(--ink); font-variant-numeric: tabular-nums; }
.borrow-out .cap { font-size: 11px; color: var(--muted); margin-top: 6px; }
.borrow-out .note { font-size: 10px; line-height: 1.6; margin: auto 0 0; }
.borrow-out .empty { font-size: 13px; margin: 0; }
.borrow-out .primary { justify-content: space-between; }

/* process */
.process-section { background: var(--soft); padding: 55px 0; }
.process-section .section-head h2 { font-size: 37px; }
.process { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.process article { display: flex; gap: 15px; border-top: 1px solid #c5dacc; padding-top: 24px; }
.process-icon { display: grid; place-items: center; width: 46px; height: 46px; background: #fff; border-radius: 50%; color: var(--accent); flex-shrink: 0; }
.process small { font-size: 9px; font-weight: 750; color: var(--muted); }
.process h3 { font-size: 17px; margin: 5px 0 8px; }
.process p { font-size: 12px; margin: 0; }

/* faq, closing, footer */
.faq { display: grid; grid-template-columns: 1fr 1.5fr; gap: 70px; }
.faq h2 { font-size: 35px; margin: 12px 0 25px; }
.faq > div > a { font-size: 12px; display: flex; align-items: center; gap: 12px; }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq details:first-child { padding-top: 0; }
.faq summary { display: flex; align-items: center; justify-content: space-between; gap: 15px; list-style: none; font-size: 13px; font-weight: 650; cursor: pointer; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary svg { color: var(--accent); transition: transform .2s; }
.faq details[open] summary svg { transform: rotate(45deg); }
.faq details p { font-size: 12px; margin: 16px 0 0; }
.closing { border-block: 1px solid var(--line); }
.closing .wrap { display: flex; justify-content: space-between; align-items: center; gap: 25px; padding-block: 40px; }
.closing h2 { font-size: 35px; margin: 0; }
footer.site-foot { padding-block: 35px 30px; }
footer.site-foot .brand { margin-bottom: 23px; }
footer.site-foot p { font-size: 10px; line-height: 1.8; color: var(--muted); max-width: 1000px; margin-bottom: 18px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 22px; margin: 22px 0; }
.footer-links a { font-size: 10px; text-decoration: underline; color: var(--muted); }
footer.site-foot small { font-size: 9px; color: var(--muted); }

/* People: photo-led, amount strip under the hero */
[data-design="people"] .hero { grid-template-columns: 1.05fr 1fr; gap: 55px; padding-top: 25px; }
.people-visual { position: relative; align-self: stretch; min-height: 510px; }
.people-visual > img { height: 100%; width: 100%; position: absolute; inset: 0; object-fit: cover; object-position: 67% center; border-radius: 16px; }
.photo-note { position: absolute; bottom: 22px; left: 22px; right: 22px; display: flex; align-items: center; gap: 15px; background: #fff; padding: 19px; border-radius: 10px; }
.photo-note svg { color: var(--accent); }
.photo-note strong { display: block; font-size: 14px; }
.photo-note span { display: block; font-size: 11px; color: var(--muted); margin-top: 4px; }
.photo-credit { position: absolute; top: 14px; right: 16px; font-size: 9px; color: #fff; opacity: .75; }
.photo-amount { display: grid; grid-template-columns: .9fr 1.2fr .85fr; gap: 35px; align-items: center; background: var(--soft); padding: 24px 32px; margin: 0 auto 45px; border-radius: 12px; max-width: 1120px; }
.photo-amount h2 { font-size: 27px; margin: 10px 0 0; }
.photo-amount .amount-input > span, .photo-amount .amount-input input { font-size: 33px; }
.photo-amount .amount label { font-size: 9px; margin-bottom: 5px; }
.photo-amount .amount-range { margin-top: 18px; }
.photo-amount .presets { display: none; }
.photo-amount .range-labels { margin-bottom: 0; }
.photo-amount .primary { font-size: 12px; padding: 18px; justify-content: space-between; }
[data-design="people"] .process-section { background: #faf7f1; }

/* Focus: centred headline, wide horizontal start card */
[data-design="focus"] .hero { display: block; text-align: center; padding-top: 20px; }
[data-design="focus"] .hero-copy { max-width: 890px; margin: auto; }
[data-design="focus"] h1 { font-size: 54px; max-width: 850px; margin: 15px auto; }
[data-design="focus"] .eyebrow, [data-design="focus"] .eligibility-inline, [data-design="focus"] .no-impact, [data-design="focus"] .hero-promise { justify-content: center; }
[data-design="focus"] .intro { max-width: 580px; margin: 0 auto 16px; }
[data-design="focus"] .hero-buttons, [data-design="focus"] .hero-finance-links { display: none; }
[data-design="focus"] .timing { margin: 8px auto 0; max-width: 630px; font-size: 9px; }
[data-design="focus"] .hero-side { max-width: 970px; margin: 23px auto 0; }
[data-design="focus"] .start-card { display: grid; grid-template-columns: .85fr 1.2fr .85fr; gap: 0 30px; text-align: left; align-items: center; padding: 25px; }
[data-design="focus"] .card-top { grid-column: 1; grid-row: 1; font-size: 8px; margin: 0; }
[data-design="focus"] .card-top svg { display: none; }
[data-design="focus"] .start-card h2 { grid-column: 1; grid-row: 2 / 4; margin: 0; font-size: 27px; }
[data-design="focus"] .start-card .amount { grid-column: 2; grid-row: 1 / 5; }
[data-design="focus"] .start-card .amount label { font-size: 8px; }
[data-design="focus"] .start-card .amount-input > span, [data-design="focus"] .start-card .amount-input input { font-size: 40px; }
[data-design="focus"] .start-card .amount-range { margin-top: 20px; }
[data-design="focus"] .start-card .range-labels { margin-bottom: 14px; }
[data-design="focus"] .start-card .presets { margin-bottom: 0; }
[data-design="focus"] .start-card .primary { grid-column: 3; grid-row: 2; font-size: 11px; padding: 16px; }
[data-design="focus"] .safe { grid-column: 3; grid-row: 3; font-size: 8px; margin-top: 10px; }
[data-design="focus"] .requirements-heading { justify-content: center; }
[data-design="focus"] .requirements-heading > p { display: none; }
[data-design="focus"] .requirements-list { max-width: 980px; margin: auto; }
.hero-promise { display: flex; align-items: center; gap: 7px; font-size: 10px; margin: 16px 0 0; color: var(--muted); }

/* Quick start: application-first, cream surface, the whole flow runs inside the hero card */
[data-design="quick"] .hero { grid-template-columns: 1.05fr .95fr; gap: 60px; max-width: none; padding-inline: max(40px, calc((100vw - 1120px) / 2)); background: var(--cream); align-items: start; }
[data-design="quick"] .hero-copy { padding-top: 24px; position: sticky; top: 24px; }
[data-design="quick"] .hero-side { order: -1; }
[data-design="quick"] h1 { font-size: 50px; }
[data-design="quick"] .hero-buttons { display: none; }
[data-design="quick"] .requirements { background: #fff; }
[data-design="quick"] .process-section { background: var(--cream); }

/* Discover: mint hero, lens over lender types directly under the hero */
[data-design="discover"] .hero { background: var(--mint); max-width: none; padding-inline: max(40px, calc((100vw - 1120px) / 2)); gap: 70px; }
[data-design="discover"] .start-card { background: #fff; border: 1px solid #dce9df; border-radius: 24px; }
.discovery { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; padding-block: 55px 60px; }
.discovery h2 { font-size: 37px; margin: 12px 0 18px; }
.discovery p { font-size: 13px; max-width: 400px; }
.search-visual { position: relative; overflow: hidden; height: 220px; background: #f3f7f4; border-radius: 20px; display: flex; align-items: center; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.search-track { display: flex; gap: 14px; width: max-content; will-change: transform; }
.search-track > span { width: 150px; height: 90px; background: #fff; border: 1px solid var(--line); border-radius: 10px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; font-size: 12px; flex-shrink: 0; text-align: center; padding: 0 10px; line-height: 1.3; }
.search-track svg { color: var(--accent); }
.lens { position: absolute; left: calc(50% - 62px); top: 44px; width: 124px; height: 124px; border-radius: 50%; border: 4px solid var(--accent); background: #fff; overflow: hidden; box-shadow: 0 10px 25px #16472b1a; }
.lens-inner { position: absolute; top: 50%; left: 0; transform-origin: 0 50%; transform: translateY(-50%) scale(1.35); }
.lens-inner .search-track > span { border-color: var(--accent); background: var(--soft); }
.lens-handle { position: absolute; left: calc(50% + 40px); top: 150px; width: 44px; height: 8px; background: var(--accent); border-radius: 5px; transform: rotate(45deg); }
.search-visual > small { position: absolute; bottom: 10px; left: 0; width: 100%; text-align: center; font-size: 10px; background: #f3f7f4; padding: 7px; color: var(--muted); }

@media (max-width: 1050px) {
  .phone, nav.site-nav { display: none; }
  .hero { gap: 35px; }
  h1 { font-size: 46px; }
  .hero-buttons { flex-wrap: wrap; gap: 12px; }
  .start-card { padding: 25px; }
  .section-head h2 { font-size: 33px; }
  .process { gap: 25px; }
  .process article { display: block; }
  .process-icon { margin-bottom: 13px; }
  .faq { gap: 40px; }
  .requirements-list { grid-template-columns: 1fr 1fr; }
  .photo-amount { margin-inline: 40px; }
}
@media (max-width: 720px) {
  .wrap { padding-inline: max(22px, env(safe-area-inset-left, 0px)) max(22px, env(safe-area-inset-right, 0px)); }
  .header-inner { padding: 20px 22px; gap: 10px; }
  .brand { gap: 11px; } .brand img { height: 25px; } .brand > span { font-size: 18px; padding-left: 11px; }
  .header-actions .primary { font-size: 10px; gap: 8px; padding: 12px; }
  .hero, [data-design] .hero { display: flex; flex-direction: column; align-items: stretch; gap: 28px; padding: 25px 22px 35px; text-align: left; }
  .hero h1, [data-design] h1 { font-size: 43px; margin: 18px 0; line-height: 1.1; }
  .eyebrow { font-size: 8px; } .intro { font-size: 13px; margin-bottom: 20px; }
  .eligibility-inline { gap: 11px 13px; } .eligibility-inline > span { font-size: 10px; }
  .hero-buttons { margin-top: 23px; gap: 15px; } .hero-buttons .primary { font-size: 12px; } .hero-buttons > span { font-size: 9px; }
  .timing { font-size: 9px; } .hero-finance-links { font-size: 10px; gap: 15px; margin-top: 20px; }
  .start-card, [data-design="focus"] .start-card { display: block; padding: 25px; }
  .start-card h2, [data-design="focus"] .start-card h2 { font-size: 30px; margin-bottom: 25px; }
  .amount-input > span, .amount-input input, [data-design="focus"] .start-card .amount-input > span, [data-design="focus"] .start-card .amount-input input { font-size: 46px; }
  [data-design="focus"] .start-card .presets { margin-bottom: 23px; }
  [data-design="focus"] .eyebrow, [data-design="focus"] .eligibility-inline, [data-design="focus"] .no-impact, [data-design="focus"] .hero-promise { justify-content: flex-start; }
  [data-design="focus"] .hero-side, [data-design="focus"] .intro, [data-design="focus"] h1 { margin-inline: 0; }
  [data-design="quick"] .hero-side { order: initial; } [data-design="quick"] .hero-copy { position: static; padding-top: 0; }
  .people-visual { min-height: 380px; }
  .photo-note { bottom: 16px; left: 16px; right: 16px; padding: 15px; }
  .photo-amount { display: block; margin: 0 22px 35px; padding: 24px; }
  .photo-amount h2 { margin-bottom: 25px; } .photo-amount .amount-input > span, .photo-amount .amount-input input { font-size: 43px; } .photo-amount .primary { margin-top: 24px; width: 100%; }
  .requirements { padding: 30px 0 22px; } .requirements-heading { display: block; } .requirements-heading h2 { font-size: 27px; margin-bottom: 24px; } .requirements-heading > p { display: none; }
  .requirements-list { grid-template-columns: 1fr; gap: 20px; }
  .section { padding-block: 43px; } .section-head { display: block; margin-bottom: 26px; } .section-head h2 { font-size: 32px; } .section-head > p { margin-top: 18px; font-size: 12px; }
  .borrow { grid-template-columns: 1fr; gap: 24px; padding: 22px; } .borrow-q .two { grid-template-columns: 1fr; } .borrow-out .num { font-size: 38px; }
  .process-section { padding: 40px 0; } .process-section .section-head h2 { font-size: 32px; } .process { display: block; } .process article { display: flex; padding-top: 20px; margin-top: 20px; }
  .faq { display: block; } .faq h2 { font-size: 32px; } .faq-grid { margin-top: 30px; }
  .closing .wrap { display: block; padding-block: 33px; } .closing h2 { font-size: 32px; margin-bottom: 24px; }
  .discovery { display: block; padding-block: 35px 40px; } .discovery h2 { font-size: 32px; } .search-visual { margin-top: 25px; }
  .footer-links { gap: 15px; } .presets button { font-size: 9px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .primary { transition: none; } }
.start-card [data-slider], .photo-amount [data-slider] { display: contents; }
.photo-amount .primary { width: 100%; }
.header-actions .primary, .text-link, .phone { white-space: nowrap; }