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

:root{
  --bg:#fffdfb;
  --panel:#fff6f2;
  --panel-2:#fff8f5;
  --ink:#0d0d0d;
  --muted:#6c6b6a;
  --line:#eee3dd;
  --red:#ef1118;
  --red-soft:#fff0ee;
  --radius:16px;
  --shadow:0 8px 24px rgba(80,46,24,.025);
  --max:1024px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'Manrope',Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
.site-shell{max-width:var(--max);margin:0 auto;padding:0 26px 54px}
.site-header{height:82px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.brand img{width:186px;height:auto}
.nav{display:flex;align-items:center;gap:28px;font-size:12.4px;color:#383838;white-space:nowrap}
.nav a{position:relative;padding:30px 0 18px}
.nav a.active{color:var(--red)}
.nav a.active:after{content:"";position:absolute;left:0;right:0;bottom:10px;height:1.5px;background:var(--red)}
.menu-toggle{display:none;border:0;background:none;font:inherit;font-size:24px;padding:8px}

.panel{background:linear-gradient(110deg,#fff4f0 0%,#fff9f7 58%,#fff5f1 100%);border-radius:var(--radius);box-shadow:var(--shadow)}
.red-kicker{width:29px;height:2px;background:var(--red);margin-bottom:25px}
.red-dot{color:var(--red)}
.red-dot.round-dot{display:inline-block;width:6px;height:6px;background:var(--red);border-radius:50%;margin-left:4px;vertical-align:baseline}
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--red);color:#fff;border-radius:11px;padding:13px 19px;font-size:13px;font-weight:500;transition:.2s ease}
.btn:hover{transform:translateY(-1px);box-shadow:0 7px 20px rgba(239,17,24,.16)}
.text-link{display:inline-flex;gap:11px;align-items:center;font-size:13.5px;margin-top:auto;padding-top:10px;position:relative}
.text-link:after{content:"";position:absolute;left:0;bottom:-10px;width:38px;height:2px;background:var(--red)}
.muted{color:var(--muted)}

/* icon system */
.icon-box{width:51px;height:51px;border-radius:12px;background:var(--red-soft);display:grid;place-items:center;color:var(--red);flex:0 0 auto}
.icon-box svg{width:29px;height:29px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.icon-box.small{width:44px;height:44px;border-radius:10px}
.icon-box.small svg{width:26px;height:26px}

/* HOME */
.home-hero{min-height:370px;position:relative;overflow:hidden;padding:54px 48px;display:flex;align-items:center;background:#fff3ef}
.home-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(255,246,242,1) 0%,rgba(255,246,242,.98) 39%,rgba(255,246,242,.6) 54%,rgba(255,246,242,0) 70%),url('assets/images/home-hero.webp');background-size:100% 100%,56% 100%;background-position:center,right center;background-repeat:no-repeat}
.home-hero-content{position:relative;z-index:1;max-width:500px}
.home-hero h1{font-size:52px;line-height:1.04;letter-spacing:-2.2px;font-weight:500;margin:0 0 13px}
.home-hero p{font-size:18px;line-height:1.45;max-width:430px;margin:0 0 43px}
.home-hero .home-region{font-size:14px;line-height:1.4;font-weight:600;color:#3f3e3d;margin:-28px 0 28px;max-width:460px}
.home-services{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:18px}
.service-card{min-height:266px;padding:20px 18px 20px 29px;display:grid;grid-template-columns:1fr 145px;gap:24px;align-items:stretch}
.service-card-copy{display:flex;flex-direction:column;min-width:0}
.service-card h2{font-size:25px;line-height:1.12;letter-spacing:-.8px;font-weight:500;margin:14px 0 10px}
.service-card p{font-size:13.7px;line-height:1.48;color:var(--muted);margin:0}
.service-photo{width:145px;height:230px;object-fit:cover;border-radius:13px;align-self:center}
.help-panel{margin-top:18px;padding:29px 27px 25px}
.section-title{font-size:31px;line-height:1.1;letter-spacing:-1px;font-weight:500;margin:0 0 23px}
.help-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.help-item{background:#fff;border-radius:13px;min-height:78px;padding:14px 15px;display:flex;align-items:center;gap:13px;font-size:13px;line-height:1.35}
.help-item .icon-box{background:transparent;width:34px;height:34px;border-radius:0}
.help-item .icon-box svg{width:29px;height:29px}
.about-section{display:grid;grid-template-columns:46% 54%;gap:53px;align-items:center;margin:20px 5px}
.about-image{height:255px;width:100%;object-fit:cover;border-radius:14px}
.about-copy{padding:20px 20px 20px 0}
.about-copy h2{font-size:31px;line-height:1.12;letter-spacing:-1px;font-weight:500;margin:0 0 17px}
.about-copy p{font-size:13.7px;line-height:1.48;color:var(--muted);margin:0 0 17px}
.ghost-btn{display:inline-flex;gap:10px;align-items:center;background:#fff6f2;border-radius:9px;padding:12px 20px;font-size:13px}
.contact-panel{min-height:201px;padding:27px 31px;display:grid;grid-template-columns:43% 29% 28%;align-items:center;overflow:hidden;position:relative}
.contact-copy{position:relative;z-index:2}
.contact-copy h2{font-size:39px;letter-spacing:-1.5px;font-weight:500;margin:0 0 3px}
.contact-copy p{font-size:13.5px;line-height:1.45;color:var(--muted);margin:0 0 16px;max-width:330px}
.contact-card{position:relative;z-index:2;background:#fff;border-radius:12px;padding:17px 24px 17px 20px;display:grid;gap:12px;font-size:12.5px;color:#707070;margin-left:68px;width:320px;min-width:320px}
.contact-row{display:flex;align-items:center;gap:13px}
.contact-row .mini-icon{width:31px;height:31px;border-radius:8px;background:var(--red-soft);display:grid;place-items:center;color:var(--red);font-size:17px}
.contact-visual{position:absolute;right:0;top:0;height:100%;width:32%;object-fit:cover}

/* RECEIVABLES */
.receivables-shell{max-width:var(--max);margin:0 auto;padding:0 26px 55px}
.receivables-shell .site-header{padding:0}
.receivables-hero{height:305px;position:relative;overflow:hidden;padding:73px 0 45px 48px;background:#fff8f4}
.receivables-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(255,250,247,1) 0%,rgba(255,250,247,.97) 43%,rgba(255,250,247,.15) 60%,rgba(255,250,247,0) 72%),url('assets/images/receivables-hero.webp');background-size:100% 100%,auto 100%;background-position:center,right center;background-repeat:no-repeat}
.receivables-hero-content{position:relative;z-index:1;max-width:430px}
.receivables-hero h1{font-size:47px;line-height:1.02;letter-spacing:-2px;font-weight:500;margin:0 0 13px}
.receivables-hero p{font-size:18px;line-height:1.43;color:#5b5a59;margin:0;max-width:430px}
.receivables-hero .receivables-tagline{margin-top:14px;font-size:13px;line-height:1.35;font-weight:600;color:#3f3e3d;letter-spacing:.1px}
.capabilities{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));column-gap:36px;padding:25px 34px 30px;background:#fff}
.capability{padding:0 6px 0 0;min-height:232px;position:relative}
.capability:not(:last-child):after{content:"";position:absolute;right:-18px;top:21px;bottom:16px;width:1px;background:#ddd4cf}
.capability h3{font-size:21px;line-height:1.09;font-weight:600;letter-spacing:-.5px;margin:13px 0 16px}
.capability p{font-size:13.6px;line-height:1.52;color:#5f5e5d;margin:0}
.perspectives{min-height:288px;display:grid;grid-template-columns:36% 64%;background:#fff9f6;position:relative;overflow:hidden}
.perspectives:after{content:"";position:absolute;right:0;top:0;bottom:0;width:34%;background:url('assets/images/receivables-architecture.webp') center/cover no-repeat;opacity:.86}
.perspective-intro{padding:51px 35px 35px 55px;position:relative;z-index:2}
.perspective-intro h2{font-size:43px;line-height:1.06;letter-spacing:-1.8px;font-weight:500;margin:0 0 15px}
.perspective-intro p{font-size:16px;line-height:1.47;color:#666260;margin:0;max-width:340px}
.perspective-choices{position:relative;z-index:3;display:grid;grid-template-columns:1fr 80px 1fr;align-items:center;gap:8px;padding:33px 32px 33px 0}
.perspective-card{min-height:214px;background:rgba(255,255,255,.94);border-radius:13px;padding:29px 25px 22px;text-align:center;box-shadow:0 6px 22px rgba(67,37,22,.04);display:flex;flex-direction:column;align-items:center;justify-content:center}
.perspective-card h3{font-size:20px;font-weight:500;margin:12px 0 8px}
.perspective-card p{font-size:13.5px;line-height:1.48;color:#666;margin:0;max-width:220px}
.or-badge{width:72px;height:72px;border-radius:50%;background:#fff;display:grid;place-items:center;font-size:18px;box-shadow:0 4px 16px rgba(80,50,30,.04);position:relative}
.or-badge:before{content:"";position:absolute;width:102px;height:102px;border:1px dashed rgba(239,17,24,.4);border-radius:50%}
.detail-grid{display:grid;grid-template-columns:1fr 1fr;background:#fff;padding:18px 53px 28px;gap:54px}
.detail-column{min-width:0}
.detail-column:first-child{padding-right:10px;border-right:1px solid #e1d8d2}
.eyebrow{font-size:12px;font-weight:700;color:var(--red);letter-spacing:1.8px;text-transform:uppercase;margin:0 0 12px}
.detail-column h2{font-size:30px;line-height:1.13;letter-spacing:-1px;font-weight:500;margin:0 0 22px;max-width:430px;min-height:68px}
.detail-column:nth-child(2) h2 .round-dot{position:relative;top:2px}
.detail-item{display:grid;grid-template-columns:56px 1fr;gap:12px;margin:0 0 18px;align-items:start}
.detail-item h3{font-size:15.2px;line-height:1.25;font-weight:600;margin:1px 0 4px}
.detail-item p{font-size:12.5px;line-height:1.42;color:#666;margin:0}

/* placeholders */
.placeholder-main{min-height:650px;display:grid;place-items:center;text-align:center;padding:70px 20px}
.placeholder-main .wrap{max-width:630px}
.placeholder-main h1{font-size:52px;line-height:1.05;letter-spacing:-2px;font-weight:500;margin:0 0 18px}
.placeholder-main p{font-size:18px;line-height:1.55;color:var(--muted);margin:0 0 28px}

@media (max-width:900px){
  .site-shell{padding-left:18px;padding-right:18px}
  .nav{gap:17px;font-size:11.6px}
  .brand img{width:165px}
  .home-hero h1{font-size:46px}
  .service-card{grid-template-columns:1fr 120px;padding-left:22px}.service-photo{width:120px}
  .help-grid{grid-template-columns:1fr 1fr}
  .about-section{gap:30px}
  .contact-panel{grid-template-columns:48% 38% 14%}.contact-card{margin-left:44px;width:300px;min-width:300px}.contact-visual{width:24%}
  .receivables-shell .site-header{padding:0}
  .receivables-hero{padding-left:58px}
  .capabilities{padding-left:30px;padding-right:30px;column-gap:26px}.capability{padding-right:4px}.capability:not(:last-child):after{right:-13px}
  .perspectives{grid-template-columns:34% 66%}.perspective-intro{padding-left:40px}.perspective-intro h2{font-size:36px}.perspective-choices{grid-template-columns:1fr 62px 1fr;padding-right:24px}
  .detail-grid{padding-left:40px;padding-right:40px;gap:34px}
}

@media (max-width:720px){
  .site-header{height:70px;position:relative}.brand img{width:150px}.menu-toggle{display:block}
  .nav{display:none;position:absolute;top:63px;left:0;right:0;z-index:20;background:#fff;padding:16px 18px 20px;flex-direction:column;align-items:flex-start;gap:0;border-radius:0 0 14px 14px;box-shadow:0 8px 18px rgba(0,0,0,.06)}
  .nav.open{display:flex}.nav a{width:100%;padding:11px 0}.nav a.active:after{bottom:3px;right:auto;width:42px}
  .home-hero{min-height:520px;padding:38px 27px;align-items:flex-start;background:#fff5f2}.home-hero:before{background-image:linear-gradient(180deg,rgba(255,246,242,1) 0%,rgba(255,246,242,1) 43%,rgba(255,246,242,.15) 61%,rgba(255,246,242,0) 75%),url('assets/images/home-hero.webp');background-size:100% 100%,100% 54%;background-position:center,bottom center}.home-hero h1{font-size:43px}.home-hero p{font-size:16px}.home-hero .btn{margin-top:4px}
  .home-services{grid-template-columns:1fr}.service-card{min-height:250px;grid-template-columns:1fr 112px}.service-photo{width:112px;height:210px}
  .help-grid{grid-template-columns:1fr}.about-section{grid-template-columns:1fr;gap:18px;margin:18px 0}.about-copy{padding:6px 14px 20px}.about-image{height:220px}
  .contact-panel{grid-template-columns:1fr;gap:18px;padding:27px 24px 120px}.contact-card{max-width:360px;margin-left:0;width:auto;min-width:0}.contact-visual{width:100%;height:105px;top:auto;bottom:0}
  .receivables-shell .site-header{padding:0}.receivables-hero{height:490px;padding:55px 30px 0;align-items:flex-start}.receivables-hero:before{background-image:linear-gradient(180deg,rgba(255,250,247,1) 0%,rgba(255,250,247,.98) 44%,rgba(255,250,247,.15) 62%,rgba(255,250,247,0) 78%),url('assets/images/receivables-hero.webp');background-size:100% 100%,100% auto;background-position:center,bottom center}.receivables-hero h1{font-size:43px}.receivables-hero p{font-size:16px}
  .capabilities{grid-template-columns:1fr;padding:20px 28px}.capability{min-height:auto;padding:20px 0}.capability:not(:last-child):after{right:0;left:0;top:auto;bottom:0;width:auto;height:1px}.capability p{font-size:14px}.perspectives{grid-template-columns:1fr;min-height:auto}.perspectives:after{display:none}.perspective-intro{padding:37px 28px 15px}.perspective-intro h2{font-size:38px}.perspective-choices{grid-template-columns:1fr;padding:15px 28px 35px;gap:13px}.perspective-card{min-height:170px}.or-badge{width:58px;height:58px;justify-self:center}.or-badge:before{width:79px;height:79px}
  .detail-grid{grid-template-columns:1fr;padding:28px;gap:15px}.detail-column:first-child{border-right:0;border-bottom:1px solid #e1d8d2;padding:0 0 8px}.detail-column h2{font-size:28px;min-height:0}.detail-item{grid-template-columns:52px 1fr;gap:14px}
  .placeholder-main h1{font-size:40px}
}


/* VALUATION PAGE */
.valuation-page{display:grid;gap:18px}
.valuation-hero{min-height:370px;position:relative;overflow:hidden;padding:54px 48px;display:flex;align-items:center;background:#fff3ef}
.valuation-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(255,246,242,1) 0%,rgba(255,246,242,.98) 40%,rgba(255,246,242,.62) 55%,rgba(255,246,242,0) 72%),url('assets/images/valuation-hero.webp');background-size:100% 100%,44% 100%;background-position:center,right center;background-repeat:no-repeat}
.valuation-hero-content{position:relative;z-index:1;max-width:530px}
.valuation-hero h1{font-size:52px;line-height:1.04;letter-spacing:-2.2px;font-weight:500;margin:0 0 13px}
.valuation-hero p{font-size:18px;line-height:1.45;max-width:450px;margin:0 0 43px}
.valuation-services{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));column-gap:34px;padding:26px 36px 30px;background:linear-gradient(110deg,#fff7f4 0%,#fffaf8 55%,#fff7f4 100%)}
.valuation-service{padding:0 10px 0 0;min-height:188px;position:relative}
.valuation-service:not(:last-child):after{content:"";position:absolute;right:-17px;top:20px;bottom:20px;width:1px;background:#ddd4cf}
.valuation-service h3{font-size:21px;line-height:1.1;font-weight:600;letter-spacing:-.5px;margin:13px 0 10px}
.valuation-service p{font-size:13.6px;line-height:1.5;color:#5f5e5d;margin:0}
.valuation-typical{padding:31px 33px 35px}
.valuation-typical h2{font-size:37px;line-height:1.08;letter-spacing:-1.4px;font-weight:500;margin:0 0 16px}
.valuation-typical p{font-size:16px;line-height:1.52;color:#5f5e5d;margin:0;max-width:860px}

/* CONTACT PAGE */
.contact-page{padding-bottom:20px}
.contact-page-panel{min-height:610px;padding:48px;display:grid;grid-template-columns:39% 61%;gap:44px;align-items:start}
.contact-page-intro h1{font-size:50px;line-height:1.05;letter-spacing:-2px;font-weight:500;margin:0 0 15px}
.contact-page-intro>p{font-size:17px;line-height:1.5;color:var(--muted);margin:0 0 29px;max-width:335px}
.contact-direct{display:grid;gap:10px;font-size:14px;color:#555}
.contact-direct a:hover{color:var(--red)}
.contact-address{margin:8px 0 0;font-size:13px;line-height:1.55;color:#777}
.inquiry-form{background:#fff;border-radius:14px;padding:27px 29px;display:grid;gap:18px;box-shadow:0 7px 24px rgba(74,47,30,.035)}
.inquiry-form label{display:grid;gap:7px;font-size:12.5px;font-weight:600;color:#333}
.inquiry-form input,.inquiry-form textarea{width:100%;border:1px solid #eaded8;background:#fffdfa;border-radius:9px;padding:12px 13px;font:inherit;font-size:14px;color:#222;outline:none;transition:border-color .16s ease,box-shadow .16s ease}
.inquiry-form textarea{resize:vertical;min-height:142px}
.inquiry-form input:focus,.inquiry-form textarea:focus{border-color:#ef9ca0;box-shadow:0 0 0 3px rgba(239,17,24,.06)}
.form-row.two-col{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.optional{font-weight:400;color:#999}
.form-submit{border:0;cursor:pointer;justify-self:start;font-family:inherit}
.hidden-field{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}

@media (max-width:900px){
  .valuation-services{padding-left:30px;padding-right:30px;column-gap:24px}.valuation-service{padding-right:8px}.valuation-service:not(:last-child):after{right:-12px}
  .contact-page-panel{grid-template-columns:35% 65%;gap:26px;padding:38px 34px}.contact-page-intro h1{font-size:44px}
}
@media (max-width:720px){
  .valuation-hero{min-height:510px;padding:40px 28px;align-items:flex-start}.valuation-hero:before{background-image:linear-gradient(180deg,rgba(255,246,242,1) 0%,rgba(255,246,242,1) 44%,rgba(255,246,242,.18) 63%,rgba(255,246,242,0) 78%),url('assets/images/valuation-hero.webp');background-size:100% 100%,100% 52%;background-position:center,bottom center}.valuation-hero h1{font-size:43px}.valuation-hero p{font-size:16px;margin-bottom:34px}
  .valuation-services{grid-template-columns:1fr;padding:20px 28px}.valuation-service{min-height:auto;padding:20px 0}.valuation-service:not(:last-child):after{right:0;left:0;top:auto;bottom:0;width:auto;height:1px}
  .valuation-typical{padding:28px}.valuation-typical h2{font-size:32px}.valuation-typical p{font-size:15px}
  .contact-page-panel{grid-template-columns:1fr;gap:26px;padding:31px 24px}.contact-page-intro h1{font-size:42px}.contact-page-intro>p{font-size:16px}.form-row.two-col{grid-template-columns:1fr}.inquiry-form{padding:23px 20px}
}