/* Shared style for North Point content pages (loan and city pages). Matches the homepage brand. */
:root{
  color-scheme:light;
  --white:#FFFFFF;--paper:#F5F5F3;--paper-2:#ECECE9;
  --ink:#0A0A0A;--ink-2:#2A2A2A;--mute:#7E7E7B;--mute-2:#B9B9B6;
  --void:#07080A;--bone:#F4F4F1;--bone-2:#C9C9C5;
  --gold:#D9A11E;--gold-deep:#8A6410;
  --line:rgba(10,10,10,.1);
  --sans:"Instrument Sans","Helvetica Neue",Helvetica,Arial,sans-serif;
  --gutter:clamp(16px,3.4vw,48px);--r:18px;
}
*{box-sizing:border-box}
body{margin:0;background:var(--white);color:var(--ink);font:16px/1.65 var(--sans);-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}
img{max-width:100%}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}
.wrap{max-width:1180px;margin-inline:auto;padding-inline:var(--gutter)}
.narrow{max-width:760px}
.label{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--mute)}

/* nav */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.9);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:28px;height:68px}
.top .brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:600;letter-spacing:-.02em}
.top .brand img{width:34px;height:36px;display:block}
.top .brand b{color:var(--gold)}
.top nav{margin-left:auto;display:flex;gap:22px;align-items:center}
.top nav a{text-decoration:none;font:600 12px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase}
.top nav a:hover{color:var(--gold-deep)}
@media (max-width:700px){.top nav .hide-s{display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 24px;border-radius:999px;background:var(--ink);color:var(--white);border:1px solid var(--ink);font:600 12px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;text-decoration:none;transition:background .3s,color .3s,border-color .3s}
.btn:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.btn.ghost{background:transparent;color:inherit;border-color:rgba(10,10,10,.22)}
.btn.light{background:var(--bone);color:var(--ink);border-color:var(--bone)}
.btn.line-light{background:transparent;color:var(--bone);border-color:rgba(244,244,241,.3)}
.btn.line-light:hover,.btn.light:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.ctas{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}

/* hero */
.hero{background:var(--void);color:var(--bone);position:relative;overflow:hidden;padding:clamp(56px,9vw,120px) 0 clamp(48px,7vw,90px)}
.hero::before{content:"";position:absolute;width:640px;height:640px;right:-160px;top:-260px;border-radius:50%;background:radial-gradient(circle,rgba(217,161,30,.28),rgba(217,161,30,0) 65%);pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:60px 60px;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.crumbs{font-size:13px;color:var(--mute);margin:0 0 22px}
.crumbs a{color:var(--bone-2);text-decoration:none}
.crumbs a:hover{color:var(--gold)}
.hero h1{margin:0;font-size:clamp(44px,7vw,104px);font-weight:600;letter-spacing:-.045em;line-height:.95;max-width:15ch;text-wrap:balance}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lede{max-width:56ch;margin:26px 0 0;font-size:clamp(17px,1.6vw,20px);color:var(--bone-2)}
.hero .lede strong{color:var(--bone);font-weight:600}
.facts{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px;padding:0;list-style:none}
.facts li{border:1px solid rgba(244,244,241,.18);border-radius:999px;padding:9px 14px;font-size:13px;font-weight:600;color:var(--bone-2)}

/* sections */
section.blk{padding:clamp(56px,8vw,104px) 0}
section.blk.alt{background:var(--paper)}
h2{margin:0 0 18px;font-size:clamp(32px,4.2vw,56px);font-weight:600;letter-spacing:-.04em;line-height:1}
h3{margin:0 0 8px;font-size:clamp(20px,1.8vw,24px);font-weight:600;letter-spacing:-.02em;line-height:1.2}
p{margin:0 0 16px;color:var(--ink-2)}
.intro{max-width:62ch;font-size:18px}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:36px}
.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.alt .card{border-color:transparent}
.card p:last-child{margin-bottom:0}
.card .n{display:block;font-size:48px;line-height:.9;letter-spacing:-.05em;color:var(--mute-2);margin-bottom:18px}
@media (max-width:900px){.grid,.grid.two{grid-template-columns:1fr}}
.check{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px}
.check li{position:relative;padding-left:30px;color:var(--ink-2)}
.check li::before{content:"";position:absolute;left:0;top:.45em;width:14px;height:14px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(217,161,30,.18)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,5vw,72px);align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* comparison table */
.cmp{width:100%;border-collapse:collapse;margin-top:28px;font-size:15px}
.cmp th,.cmp td{text-align:left;padding:14px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.cmp th{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--mute);font-weight:600}
.cmp td:first-child{font-weight:600;color:var(--ink)}
.tbl{overflow-x:auto}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:20px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:18px;letter-spacing:-.01em;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-deep);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 0}

/* cta band */
.cta{background:var(--void);color:var(--bone);padding:clamp(56px,8vw,96px) 0}
.cta h2{color:var(--bone);max-width:16ch}
.cta h2 em{font-style:normal;color:var(--gold)}
.cta p{color:var(--bone-2);max-width:56ch}
.related{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.related a{border:1px solid var(--line);border-radius:999px;padding:9px 14px;font-size:13px;font-weight:600;text-decoration:none}
.related a:hover{border-color:var(--gold);color:var(--gold-deep)}

/* compliance + footer */
.disc{font-size:13px;color:var(--mute);margin-top:28px}
footer.site{background:var(--ink);color:#A5A5A2;padding:32px 0;font-size:13px;line-height:1.7}
footer.site a{color:#D0D0CD}
footer.site .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
footer.site nav{display:flex;flex-wrap:wrap;gap:18px}

/* embedded lead form */
.lead-form{margin-top:32px;background:var(--paper);border-radius:var(--r);padding:clamp(14px,2.4vw,28px)}
.lead-form iframe{display:block;width:100%;background:var(--white)}
.lead-fine{margin:14px 0 0;font-size:12px;color:var(--mute)}
.lead-fine a{color:var(--ink)}
html{scroll-behavior:smooth}
#lets-talk{scroll-margin-top:84px}
/* sticky "Let's talk" on phones */
.talk-fab{position:fixed;left:16px;right:16px;bottom:calc(14px + env(safe-area-inset-bottom,0px));z-index:60;display:none;justify-content:center;align-items:center;gap:10px;padding:16px 22px;border-radius:999px;background:#0A0A0A;color:#fff;font:600 13px/1 "Instrument Sans",Helvetica,Arial,sans-serif;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;box-shadow:0 10px 30px rgba(0,0,0,.25);border:1px solid rgba(217,161,30,.55);transition:opacity .25s,transform .25s}
.talk-fab i{width:8px;height:8px;border-radius:50%;background:#D9A11E}
.talk-fab.off{opacity:0;transform:translateY(12px);pointer-events:none}
@media (max-width:760px){.talk-fab{display:flex}}