@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&display=swap');

:root{
  --yellow: #f7c600;
  --slate: #494a5e; /* sampled from your UI */
  --slate-2: #404355;
  --ink: #0b0c10;
  --white: #ffffff;
  --muted: rgba(255,255,255,.72);
  --muted2: rgba(255,255,255,.55);
  --max: 1180px;
}

*{ box-sizing:border-box; }
html,body{ height:100%; }
body{
  margin:0;
  font-family: "Montserrat", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:#111;
  background:#fff;
}

/* ---------- Header (matches the screenshot: transparent, thin, button at right) ---------- */
.site-header{
  position: fixed;
  top:0; left:0; right:0;
  z-index: 10000; /* keep header above drawer/backdrop */
  height: 70px;
  display:flex;
  align-items:center;
  padding: 0 28px;
  background: linear-gradient(to bottom, rgba(20,20,24,.55), rgba(20,20,24,.18));
  backdrop-filter: blur(6px);
}
.brand{
  display:flex; align-items:center; gap:10px;
  text-decoration:none; color:#fff;
  font-weight: 700;
  letter-spacing: .02em;
}
.brand img{ height: 34px; width:auto; display:block; }
.brand .brand-text{ font-size: 12px; line-height:1.1; }
.brand .brand-text b{ display:block; font-size: 13px; }

.nav{
  margin-left:auto;
  display:flex; align-items:center; gap:26px;
}
.nav a{
  color: rgba(255,255,255,.85);
  text-decoration:none;
  font-size: 12px;
  letter-spacing: .18em;
  text-transform: uppercase;
  font-weight: 600;
}
.nav a:hover{ color:#fff; }

.cta-btn{
  margin-left: 22px;
  background: var(--yellow);
  border: 0;
  padding: 10px 18px;
  border-radius: 999px;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: 12px;
  color:#1a1a1a;
  cursor:pointer;
}
.cta-btn:hover{ filter: brightness(.97); }

.burger{
  display:none;
  margin-left:auto;
  width:44px; height:44px;
  border:0; background:transparent; color:#fff;
}
.burger span{
  display:block; width:22px; height:2px; background:#fff; margin:5px auto;
}
.no-scroll{ overflow:hidden; }

/* Backdrop + left drawer (mobile) */
.drawer-backdrop{
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.45);
  display: none;
  opacity: 0;
  pointer-events: none;
  transition: opacity .22s ease;
  z-index: 9998;
}
.drawer-backdrop.show{
  opacity: 1;
  pointer-events: auto;
}

.mobile-drawer{
  position: fixed;
  top: 0;
  left: 0;
  height: 100vh;
  width: min(86vw, 360px);
  background: rgba(20,20,24,.98);
  backdrop-filter: blur(8px);
  padding: 92px 28px 22px; /* space for the fixed header */
  transform: translateX(-105%);
  transition: transform .34s cubic-bezier(.2,.8,.2,1);
  z-index: 9999;
  display: none; /* enabled on mobile via media query */
}
.mobile-drawer.open{
  transform: translateX(0);
}
.mobile-drawer a{
  display:block;
  padding: 14px 0;
  color:#fff;
  text-decoration:none;
  font-weight:700;
  letter-spacing:.12em;
  text-transform:uppercase;
  font-size: 12px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.mobile-drawer .cta-btn{ width:100%; margin:16px 0 0; }

/* ---------- Hero ---------- */
.hero{
  min-height: 78vh;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding: 110px 18px 78px;
  position:relative;
  background: url('../images/hero_house.jpg') center/cover no-repeat;
}
.hero::before{
  content:"";
  position:absolute; inset:0;
  background: radial-gradient(ellipse at center, rgba(0,0,0,.25) 0%, rgba(0,0,0,.45) 65%, rgba(0,0,0,.65) 100%);
}
.hero-inner{
  position:relative;
  max-width: 980px;
  color:#fff;
}
.hero-kicker{
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  opacity:.85;
  margin-bottom: 14px;
  font-weight: 700;
}
.hero h1{
  margin:0;
  font-size: clamp(34px, 5vw, 64px);
  line-height: 1.02;
  font-weight: 800;
  letter-spacing: -0.02em;
}
.hero .sub{
  margin: 18px auto 26px;
  max-width: 640px;
  font-size: 15px;
  line-height: 1.7;
  color: rgba(255,255,255,.85);
}
.hero .ghost{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  height: 42px;
  padding: 0 18px;
  border: 1px solid rgba(255,255,255,.65);
  background: rgba(0,0,0,.15);
  border-radius: 999px;
  color:#fff;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: 12px;
  text-decoration:none;
}

/* ---------- Yellow Band ---------- */
.band-yellow{
  background: var(--yellow);
  text-align:center;
  padding: 58px 18px;
}
.band-yellow h2{
  margin:0 auto 10px;
  max-width: 900px;
  font-weight: 800;
  font-size: clamp(18px, 2.1vw, 30px);
  line-height: 1.22;
  color:#232323;
}
.band-yellow p{
  margin: 0 auto;
  max-width: 760px;
  color: rgba(0,0,0,.65);
  font-size: 12px;
  line-height: 1.6;
  letter-spacing: .02em;
}

/* ---------- Mosaic (exact block structure) ---------- */
.mosaic{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.tile{
  min-height: 420px;
  position:relative;
  overflow:hidden;
}
.tile.image{
  background-size: cover;
  background-position: center;
}
.tile.content{
  background: var(--slate);
  color:#fff;
  display:flex;
  align-items:flex-start;
}
.tile .content-inner{
  width:100%;
  padding: 56px 62px;
}
.eyebrow{
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: rgba(255,255,255,.62);
  font-weight: 700;
  margin-bottom: 12px;
}
.tile h3{
  margin:0 0 10px;
  font-size: 28px;
  line-height: 1.16;
  font-weight: 800;
}
.tile p{
  margin:0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.65;
  max-width: 520px;
}

/* ---------- Full statement image ---------- */
.statement{
  position:relative;
  min-height: 430px;
  background: url('../images/statement.jpg') center/cover no-repeat;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding: 54px 18px;
}
.statement::before{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(to bottom, rgba(0,0,0,.15), rgba(0,0,0,.55));
}
.statement .inner{
  position:relative;
  max-width: 960px;
  color:#fff;
}
.statement h2{
  margin: 0;
  font-weight: 800;
  font-size: clamp(22px, 3.2vw, 44px);
  line-height: 1.18;
}
.statement p{
  margin: 12px auto 0;
  max-width: 720px;
  font-size: 12px;
  line-height: 1.75;
  opacity: .88;
}

/* ---------- Brands row ---------- */
.brands{
  background: #f3f3f3;
  padding: 54px 18px 34px;
  text-align:center;
}
.brands h3{
  margin:0 0 22px;
  font-weight: 800;
  color:#3a3a3a;
}
.brand-grid{
  max-width: 980px;
  margin: 0 auto;
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px 26px;
  align-items:center;
}
.brand-chip{
  background:#fff;
  border: 1px solid rgba(0,0,0,.07);
  height: 54px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: .08em;
  color:#474747;
}

/* ---------- Testimonial band ---------- */
.testimonial{
  position:relative;
  min-height: 340px;
  background: url('../images/testimonial.jpg') center/cover no-repeat;
  padding: 52px 18px;
  display:flex;
  align-items:center;
}
.testimonial::before{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(90deg, rgba(0,0,0,.65), rgba(0,0,0,.25) 55%, rgba(0,0,0,.15));
}
.testimonial .inner{
  position:relative;
  max-width: 960px;
  margin: 0 auto;
  color:#fff;
}
.stars{ letter-spacing: 2px; opacity:.9; margin-bottom: 10px; }
.quote{
  font-size: 13px;
  line-height: 1.7;
  max-width: 760px;
  color: rgba(255,255,255,.88);
}

/* ---------- Loans (dark split + video card) ---------- */
.loans{
  background: var(--slate);
  color:#fff;
  padding: 54px 0;
}
.loans-grid{
  display:grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 0;
  align-items:stretch;
}
.loan-text{
  padding: 42px 56px;
}
.loan-text h3{
  margin: 8px 0 10px;
  font-size: 30px;
  font-weight: 800;
}
.loan-text p{ color: var(--muted); font-size: 13px; line-height: 1.75; max-width: 520px; }
.video-card{
  position:relative;
  background: url('../images/loans.jpg') center/cover no-repeat;
  min-height: 300px;
}
.play{
  position:absolute;
  inset:0;
  display:flex;
  align-items:center;
  justify-content:center;
}
.play span{
  width: 74px; height:74px;
  border-radius: 999px;
  background: rgba(255,255,255,.25);
  border: 1px solid rgba(255,255,255,.35);
  backdrop-filter: blur(4px);
  display:flex; align-items:center; justify-content:center;
}
.play span::before{
  content:"";
  border-style: solid;
  border-width: 10px 0 10px 16px;
  border-color: transparent transparent transparent rgba(255,255,255,.95);
  margin-left: 3px;
}

/* ---------- Final CTA (yellow form) ---------- */
.cta{
  background: var(--yellow);
  padding: 74px 18px 84px;
  text-align:center;
}
.cta h2{
  margin:0;
  font-size: clamp(26px, 3.6vw, 56px);
  font-weight: 900;
  line-height: 1.05;
  color:#2b2b2b;
}
.cta p{
  margin: 10px auto 26px;
  max-width: 640px;
  color: rgba(0,0,0,.65);
  font-size: 12px;
  line-height: 1.7;
}
.form{
  max-width: 520px;
  margin: 0 auto;
}
.form input{
  width: 100%;
  height: 46px;
  border: 0;
  border-radius: 6px;
  padding: 0 14px;
  margin: 10px 0;
  outline: none;
  font-family: inherit;
}
.form button{
  margin-top: 14px;
  height: 42px;
  border: 0;
  border-radius: 999px;
  padding: 0 26px;
  background: #2b2b2b;
  color:#fff;
  font-weight: 900;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: 12px;
  cursor:pointer;
}

/* ---------- Footer ---------- */
.footer{
  background: #2b2b2b;
  color: rgba(255,255,255,.8);
  padding: 28px 18px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 18px;
  flex-wrap:wrap;
}
.footer .left{
  display:flex;
  align-items:center;
  gap: 12px;
}
.footer img{ height: 28px; width:auto; }
.footer a{ color:#fff; text-decoration:none; font-weight:700; }

/* ---------- Responsive ---------- */
@media (max-width: 980px){
  .nav{ display:none; }
  .burger{ display:block; }
  .mobile-drawer{ display:block; }
  .drawer-backdrop{ display:block; }
  .tile{ min-height: 340px; }
  .tile .content-inner{ padding: 42px 38px; }
  .loans-grid{ grid-template-columns: 1fr; }
  .video-card{ min-height: 320px; }
}
@media (max-width: 560px){
  .site-header{ padding: 0 16px; height: 64px; }
  .mobile-drawer{ padding: 82px 16px 18px; }
  .hero{ padding-top: 96px; }
  .mosaic{ grid-template-columns: 1fr 1fr; } /* keep 2 columns like your screenshot */
  .tile{ min-height: 210px; }
  .tile .content-inner{ padding: 22px 18px; }
  .tile h3{ font-size: 18px; }
  .tile p{ font-size: 11px; }
  .brand-grid{ grid-template-columns: repeat(2, 1fr); }
}