/* loansbyshehzad.com — Matador Lending design system
   Palette (only these four): Black #020203 · Deep Maroon #780F13 · Strong Red #B41E23 · Bright Red #F21923 (sparingly)
   Type: English Grotesque → web fallback Inter, "Helvetica Neue", Arial */
:root{
  --black:#020203; --maroon:#780F13; --red:#B41E23; --bright:#F21923;
  --ink:#020203; --ink-2:rgba(2,2,3,.72); --ink-3:rgba(2,2,3,.55);
  --paper:#ffffff; --paper-2:#f6f5f5; --line:rgba(2,2,3,.12);
  --on-dark:#ffffff; --on-dark-2:rgba(255,255,255,.74); --on-dark-3:rgba(255,255,255,.5); --line-dark:rgba(255,255,255,.14);
  --font:"English Grotesque",Inter,"Helvetica Neue",Arial,sans-serif;
  --wrap:1180px; --r:4px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 var(--font);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:8px 12px}
:focus-visible{outline:2px solid var(--bright);outline-offset:3px}

/* Headlines: ALL CAPS, tracked */
h1,h2,h3,.eyebrow,.btn,.nav a{font-family:var(--font);text-transform:uppercase;letter-spacing:.08em}
h1{font-size:clamp(34px,5.4vw,62px);line-height:1.04;font-weight:800;margin:0 0 22px;letter-spacing:.04em}
h2{font-size:clamp(26px,3.4vw,40px);line-height:1.1;font-weight:800;margin:0 0 18px;letter-spacing:.05em}
h3{font-size:17px;line-height:1.3;font-weight:700;margin:0 0 10px}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:12.5px;font-weight:700;letter-spacing:.22em;color:var(--red);margin-bottom:18px}
.eyebrow::before{content:"";width:28px;height:2px;background:currentColor}
.dark .eyebrow{color:var(--on-dark-2)} .dark .eyebrow::before{background:var(--bright)}
.lede{font-size:clamp(18px,1.6vw,20px);color:var(--ink-2);max-width:62ch}
.dark .lede{color:var(--on-dark-2)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:0 26px;border-radius:var(--r);font-size:13.5px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:background .2s,border-color .2s,color .2s;cursor:pointer}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--maroon)}
.btn-ghost{border-color:currentColor;color:var(--ink)}
.btn-ghost:hover{background:var(--black);color:#fff;border-color:var(--black)}
.dark .btn-ghost{color:#fff}.dark .btn-ghost:hover{background:#fff;color:var(--black);border-color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Header */
.topbar{background:var(--maroon);color:#fff;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;min-height:38px;align-items:center}
.topbar a{text-decoration:none;font-weight:600}
.topbar .langs{color:rgba(255,255,255,.82);letter-spacing:.04em}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--black);color:#fff;border-bottom:1px solid var(--line-dark)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:16px;text-decoration:none}
.brand img{width:150px;height:auto}
.brand .who{border-left:1px solid var(--line-dark);padding-left:16px;line-height:1.15}
.brand .who b{display:block;font-size:15px;letter-spacing:.16em;text-transform:uppercase}
.brand .who span{font-size:11px;color:var(--on-dark-3);letter-spacing:.12em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:26px}
.nav a{font-size:12.5px;font-weight:600;color:var(--on-dark-2);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current=page]{color:#fff;border-color:var(--bright)}
.nav .btn{min-height:42px;padding:0 18px;color:#fff;border:0}
.menu-btn{display:none;background:none;border:1px solid var(--line-dark);color:#fff;width:46px;height:46px;border-radius:var(--r);cursor:pointer}
.menu-btn span{display:block;width:20px;height:2px;background:#fff;margin:4px auto}
@media (max-width:1020px){
  .menu-btn{display:block}
  .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--black);padding:8px 24px 24px;border-bottom:1px solid var(--line-dark);display:none}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line-dark)}
  .nav .btn{margin-top:16px}
  .topbar .langs{display:none}
}
@media (max-width:520px){.brand .who{display:none}.brand img{width:132px}}

/* Sections */
section{padding:96px 0}
.dark{background:var(--black);color:var(--on-dark)}
.tint{background:var(--paper-2)}
.sec-head{max-width:760px;margin-bottom:48px}
@media (max-width:700px){section{padding:68px 0}}

/* Hero */
.hero{position:relative;background:var(--black);color:#fff;overflow:hidden;padding:84px 0 0}
.hero::before{content:"";position:absolute;inset:0 0 auto 0;height:100%;background:linear-gradient(100deg,transparent 52%,var(--maroon) 52%,var(--red) 100%);clip-path:polygon(62% 0,100% 0,100% 100%,48% 100%);opacity:.95}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end}
.hero-copy{padding-bottom:84px}
.hero h1 .thin{display:block;font-weight:300;color:var(--on-dark-2)}
.hero .lede{margin-bottom:30px}
.hero-photo{position:relative;align-self:end}
.hero-photo img{width:100%;max-width:440px;margin-left:auto;aspect-ratio:720/853;object-fit:cover;filter:grayscale(.05)}
.hero-badge{position:absolute;left:0;bottom:36px;background:#fff;color:var(--ink);padding:16px 18px;border-left:4px solid var(--red);max-width:250px;box-shadow:0 18px 40px rgba(0,0,0,.35)}
.hero-badge b{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase}
.hero-badge span{font-size:13.5px;color:var(--ink-2);line-height:1.4;display:block;margin-top:4px}
.trust{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:34px;padding-top:24px;border-top:1px solid var(--line-dark);font-size:13.5px;color:var(--on-dark-2)}
.trust b{color:#fff;font-weight:700}
@media (max-width:900px){
  .hero::before{clip-path:polygon(0 72%,100% 58%,100% 100%,0 100%)}
  .hero .wrap{grid-template-columns:1fr}
  .hero-copy{padding-bottom:0}
  .hero-photo img{margin:0 auto;max-width:360px}
  .hero-badge{left:50%;transform:translateX(-170px)}
}
@media (max-width:420px){.hero-badge{left:12px;transform:none}}

/* Page hero (inner pages) */
.page-hero{background:var(--black);color:#fff;padding:88px 0 76px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-4%;top:0;bottom:0;width:38%;background:linear-gradient(120deg,var(--maroon),var(--red));clip-path:polygon(38% 0,100% 0,100% 100%,0 100%);opacity:.9}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{max-width:16ch}
.crumbs{font-size:12.5px;color:var(--on-dark-3);margin-bottom:22px;letter-spacing:.06em}
.crumbs a{text-decoration:none}.crumbs a:hover{color:#fff}
@media (max-width:800px){.page-hero::after{width:30%;opacity:.55}}

/* Pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line)}
.pillar{padding:38px 32px;border-right:1px solid var(--line);background:#fff}
.pillar:last-child{border-right:0}
.pillar .num{font-size:54px;font-weight:800;line-height:1;letter-spacing:.02em;margin-bottom:14px}
.pillar .num small{font-size:20px;font-weight:700;margin-left:2px}
.pillar p{color:var(--ink-2);margin:0}
.rule{display:block;width:40px;height:3px;background:var(--red);margin-bottom:22px}
@media (max-width:860px){.pillars{grid-template-columns:1fr}.pillar{border-right:0;border-bottom:1px solid var(--line)}.pillar:last-child{border-bottom:0}}

/* Cards / grids */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--black);padding:28px 26px;border-radius:0 0 var(--r) var(--r);transition:border-color .2s,transform .2s}
.card:hover{border-top-color:var(--red);transform:translateY(-2px)}
.card p{color:var(--ink-2);font-size:15.5px;margin:0}
.card .tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.card a.more{display:inline-block;margin-top:16px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;border-bottom:2px solid var(--red);padding-bottom:2px}
.dark .card{background:rgba(255,255,255,.03);border-color:var(--line-dark);border-top-color:var(--red)}
.dark .card p{color:var(--on-dark-2)}

/* Who list */
.who-list{display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px;margin:0;padding:0;list-style:none}
.who-list li{padding:18px 0 18px 34px;border-bottom:1px solid var(--line);position:relative}
.who-list li::before{content:"";position:absolute;left:0;top:27px;width:16px;height:2px;background:var(--red)}
.who-list b{display:block}
.who-list span{color:var(--ink-2);font-size:15.5px}
@media (max-width:760px){.who-list{grid-template-columns:1fr}}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:40px}}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line-dark)}
.step{padding:30px 26px 0 0;counter-increment:s}
.step::before{content:"0" counter(s);display:block;font-size:13px;font-weight:700;letter-spacing:.2em;color:var(--bright);margin-bottom:14px}
.step p{color:var(--on-dark-2);font-size:15.5px}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr);gap:0 24px}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* Lender meter */
.meter{border:1px solid var(--line-dark);padding:34px;border-radius:var(--r)}
.meter .row{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0;border-bottom:1px solid var(--line-dark)}
.meter .row:last-child{border:0}
.meter .row span{color:var(--on-dark-2);font-size:15px}
.meter .row b{font-size:28px;font-weight:800;letter-spacing:.02em}
.bar{height:6px;background:rgba(255,255,255,.08);margin-top:8px;border-radius:3px;overflow:hidden}
.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--maroon),var(--red))}

/* Languages */
.langs-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line-dark)}
.lang{padding:34px 26px;border-right:1px solid var(--line-dark)}
.lang:last-child{border-right:0}
.lang .script{font-size:30px;line-height:1.5;min-height:56px;margin-bottom:12px;color:#fff;text-transform:none;letter-spacing:0}
.lang .script.ur{font-family:"Noto Nastaliq Urdu","Noto Naskh Arabic",serif;font-size:26px;direction:rtl;text-align:left}
.lang .script.hi{font-family:"Noto Sans Devanagari",sans-serif}
.lang .script.gu{font-family:"Noto Sans Gujarati",sans-serif}
.lang .script.pa{font-family:"Noto Sans Gurmukhi",sans-serif}
.lang b{display:block;font-size:13px;letter-spacing:.18em;text-transform:uppercase}
.lang span{font-size:14px;color:var(--on-dark-3)}
@media (max-width:900px){.langs-grid{grid-template-columns:repeat(2,1fr)}.lang:nth-child(2){border-right:0}.lang:nth-child(-n+2){border-bottom:1px solid var(--line-dark)}}
@media (max-width:480px){.langs-grid{grid-template-columns:1fr}.lang{border-right:0;border-bottom:1px solid var(--line-dark)}}

/* Quote */
.quote{font-size:clamp(22px,2.6vw,32px);line-height:1.35;font-weight:300;margin:0 0 22px;max-width:30ch}
.quote-by{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--on-dark-3)}
.award{display:inline-flex;align-items:center;gap:14px;border:1px solid var(--line-dark);padding:14px 18px;border-radius:var(--r);margin-top:26px}
.award b{font-size:13px;letter-spacing:.14em;text-transform:uppercase}
.award span{font-size:13.5px;color:var(--on-dark-2)}
.award .mark{width:42px;height:42px;border-radius:50%;background:var(--red);display:grid;place-items:center;font-weight:800;font-size:13px;letter-spacing:.04em;flex:none}

/* Social */
.socials{display:flex;gap:10px;flex-wrap:wrap}
.socials a{display:inline-flex;align-items:center;gap:10px;height:46px;padding:0 16px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;transition:all .2s}
.socials a:hover{background:var(--black);color:#fff;border-color:var(--black)}
.socials svg{width:18px;height:18px;fill:currentColor}
.dark .socials a{border-color:var(--line-dark)}
.dark .socials a:hover{background:#fff;color:var(--black)}

/* FAQ */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:700;font-size:17px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:14px;height:14px;margin-top:-7px;background:linear-gradient(var(--red),var(--red)) center/14px 2px no-repeat,linear-gradient(var(--red),var(--red)) center/2px 14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 22px;color:var(--ink-2);max-width:78ch}

/* Program detail */
.program{display:grid;grid-template-columns:280px 1fr;gap:40px;padding:44px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.program:first-of-type{border-top:1px solid var(--line)}
.program h2{font-size:24px;margin-bottom:8px}
.program .for{font-size:13px;color:var(--ink-3);letter-spacing:.04em}
.program ul{margin:14px 0 0;padding-left:18px;color:var(--ink-2)}
.program li{margin-bottom:6px}
.program li::marker{color:var(--red)}
@media (max-width:800px){.program{grid-template-columns:1fr;gap:10px}}
.jump{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}
.jump a{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;padding:9px 14px;border:1px solid var(--line-dark);border-radius:var(--r);color:var(--on-dark-2)}
.jump a:hover{color:#fff;border-color:var(--bright)}

/* CTA band */
.cta-band{background:linear-gradient(110deg,var(--maroon),var(--red));color:#fff;padding:72px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta-band h2{margin:0 0 8px}
.cta-band p{margin:0;color:rgba(255,255,255,.85)}
.cta-band .btn-primary{background:#fff;color:var(--black)}
.cta-band .btn-primary:hover{background:var(--black);color:#fff}
.cta-band .btn-ghost{color:#fff}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.c-item{display:flex;gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.c-item .k{width:110px;flex:none;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);padding-top:3px}
.c-item a{text-decoration:none;font-weight:700}
.c-item a:hover{color:var(--red)}
form .f{display:grid;gap:6px;margin-bottom:16px}
form label{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase}
form input,form select,form textarea{font:inherit;font-size:16px;padding:13px 14px;border:1px solid rgba(2,2,3,.25);border-radius:var(--r);background:#fff;color:var(--ink);width:100%}
form input:focus,form select:focus,form textarea:focus{outline:2px solid var(--red);outline-offset:0;border-color:var(--red)}
form .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){form .two{grid-template-columns:1fr}}
.consent{font-size:12.5px;color:var(--ink-3);line-height:1.5}
.form-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--red);padding:34px}
.form-msg{margin-top:12px;font-weight:700}

/* Footer */
.site-footer{background:var(--black);color:var(--on-dark-2);padding:64px 0 28px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.foot-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:12px;letter-spacing:.2em;text-transform:uppercase;margin:0 0 16px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:9px}
.site-footer a{text-decoration:none}.site-footer a:hover{color:#fff}
.site-footer .logo{width:170px;margin-bottom:18px}
.legal{padding-top:26px;font-size:12.5px;line-height:1.65;color:var(--on-dark-3)}
.legal p{margin:0 0 10px}
.eho{display:inline-flex;align-items:center;gap:10px;color:#fff;font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:11.5px}
.eho svg{width:26px;height:26px;fill:#fff}

/* Mobile sticky actions */
.mobile-cta{display:none}
@media (max-width:700px){
  .mobile-cta{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--black);border-top:1px solid var(--line-dark)}
  .mobile-cta a{color:#fff;text-decoration:none;text-align:center;padding:14px 4px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
  .mobile-cta a.go{background:var(--red)}
  body{padding-bottom:50px}
}
.ptag{display:block;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:8px}
.site-footer .socials a{border-color:var(--line-dark);color:var(--on-dark-2)}
.site-footer .socials a:hover{background:#fff;color:var(--black);border-color:#fff}
.hero.dark{padding-bottom:0}
.page-hero.dark{padding-bottom:76px}
.contact-grid>*{min-width:0}
.c-item>*:last-child{min-width:0;overflow-wrap:anywhere}
@media (max-width:480px){.c-item .k{width:84px}}