@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,500;0,600;1,500&display=swap');
:root{--navy:#101d30;--navy2:#182b42;--gold:#c8a36b;--cream:#f7f5f0;--ink:#202b36}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;background:#fff}a{color:inherit;text-decoration:none}.preview{background:#d6b77f;color:#192537;text-align:center;font-size:11px;letter-spacing:.09em;padding:8px}.site-header{height:92px;padding:0 max(5vw,25px);display:flex;align-items:center;justify-content:space-between;background:#fff;position:relative;z-index:10}.brand{display:flex;align-items:center;gap:14px}.brand-mark{background:var(--navy);color:var(--gold);font-family:Georgia,serif;font-size:27px;padding:13px 11px;letter-spacing:-3px}.brand-words{font-size:12px;letter-spacing:.22em;line-height:1.5;font-weight:600}.brand-words b{font-size:14px;letter-spacing:.14em}.brand-words small{display:block;color:#9a7c4f;font-size:9px;letter-spacing:.06em;margin-top:4px}.site-header nav{display:flex;gap:30px;align-items:center;font-size:13px;font-weight:600}.nav-cta{background:var(--navy);color:white;padding:15px 20px}.menu-toggle{display:none}.hero{height:min(730px,85vh);min-height:580px;position:relative;background:#14243b;overflow:hidden;color:white}.hero-photo{position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1600607687920-4e2a09cf159d?w=1800&q=85') center 50%/cover no-repeat;filter:saturate(.75)}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,27,46,.96),rgba(12,27,46,.77) 48%,rgba(12,27,46,.2))}.hero-content{position:relative;max-width:1200px;margin:auto;height:100%;display:flex;flex-direction:column;justify-content:center;padding:55px 32px}.eyebrow,.kicker{font-size:11px;letter-spacing:.24em;font-weight:700;color:var(--gold)}.eyebrow span{display:inline-block;width:24px;height:1px;background:var(--gold);vertical-align:middle;margin-right:10px}.hero h1{font:500 clamp(53px,6.5vw,99px)/1.1 'Playfair 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.2s}.program-card:hover{transform:translateY(-5px)}.card-image{height:205px;background-size:cover;background-position:center;background-color:#34485a}.commercial{background-image:url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?w=800&q=80')}.bridge{background-image:url('https://images.unsplash.com/photo-1497366811353-6870744d04b2?w=800&q=80')}.private{background-image:url('https://images.unsplash.com/photo-1600566753190-17f0baa2a6c3?w=800&q=80')}.flip{background-image:url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?w=800&q=80')}.sba{background-image:url('sba-restaurant-owner.webp')}.card-no{display:block;color:#a38251;font-size:10px;letter-spacing:.15em;margin:25px 25px 12px}.program-card h3{font:500 25px Georgia,serif;margin:0 25px 12px}.program-card p{font-size:13px;line-height:1.8;color:#65717c;margin:0 25px 23px}.arrow{font-size:12px;font-weight:700;color:#a38251;margin:0 25px}.statement{display:grid;grid-template-columns:1fr 1fr;background:var(--navy);color:white;min-height:530px}.statement-image{background:url('https://images.unsplash.com/photo-1600607687939-ce8a6c25118c?w=1000&q=80') center/cover}.statement-text{padding:90px 10%;display:flex;flex-direction:column;justify-content:center}.statement-text h2{font-size:clamp(34px,3.2vw,49px)}.statement-text p{line-height:1.9;color:#c9d2d9;font-size:15px}.text-link{color:var(--gold);font-weight:700;font-size:13px;margin-top:20px}.process{text-align:center;background:#faf9f6}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;max-width:1150px;margin:55px auto 0;text-align:left}.steps>div{border-top:2px solid #c6a46e;padding-top:24px}.steps b{font:30px Georgia,serif;color:#b69a70}.steps h3{font:25px Georgia,serif}.steps p{line-height:1.8;color:#64707c;font-size:14px}.contact{background:#172a40;color:white;display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:start}.contact>div:first-child{padding-top:35px}.contact>div:first-child p{color:#d3dbe2;line-height:1.9;max-width:450px}.contact-mail{margin-top:35px;color:#d7b77f;font-size:15px;overflow-wrap:anywhere}.contact-mail small{display:block;color:#bac5d0;font-size:11px;margin-top:7px}.contact-panel{background:#fff;color:#19283a;padding:35px}.contact-panel h3{font:30px Georgia,serif;margin:0}.contact-panel>p{font-size:12px;color:#7a8390}.contact-panel form{display:grid;gap:15px;margin-top:22px}.contact-panel label{font-size:12px;font-weight:700;display:grid;gap:7px}.contact-panel input,.contact-panel select,.contact-panel textarea{width:100%;padding:12px;border:1px solid #d3d8dc;font:14px 'DM Sans',sans-serif}.contact-panel button{width:100%;margin-top:4px}.contact-panel #form-message{font-size:12px;color:#80602f;margin:0}footer{background:#0c1726;color:#b9c3ce;padding:45px max(6vw,25px)}.footer-top{display:flex;justify-content:space-between;gap:30px;align-items:center}.footer-brand{display:flex;align-items:center;gap:20px}.footer-brand strong{font:35px Georgia,serif;color:var(--gold)}.footer-brand span{font-size:12px;letter-spacing:.12em}.footer-brand small{font-size:10px;color:var(--gold)}.footer-top>div:last-child{display:flex;gap:25px;font-size:12px}footer>p{font-size:11px;line-height:1.8;color:#8290a0;max-width:1100px;margin:45px 0 25px}.copyright{border-top:1px solid #29384b;padding-top:20px;font-size:11px;color:#8290a0}@media(max-width:850px){.site-header{height:80px}.menu-toggle{display:block;background:none;border:0;font-size:25px;color:var(--navy)}.site-header nav{display:none;position:absolute;top:80px;left:0;right:0;background:white;padding:25px;flex-direction:column;align-items:stretch;gap:20px}.site-header nav.open{display:flex}.hero{min-height:630px}.hero-shade{background:linear-gradient(90deg,rgba(12,27,46,.95),rgba(12,27,46,.65))}.hero-footer{flex-direction:column;gap:9px}.intro-top,.section-head{display:block}.cards{grid-template-columns:repeat(2,1fr)}.statement,.contact{grid-template-columns:1fr}.statement-image{min-height:320px}.steps{grid-template-columns:1fr}.stat-strip{grid-template-columns:1fr;gap:12px}.stat-strip>div{padding-top:12px}.contact{gap:25px}}@media(max-width:560px){.brand-mark{font-size:22px}.brand-words{font-size:9px}.brand-words b{font-size:11px}.hero-content{padding:40px 25px}.hero h1{font-size:53px}.hero p{font-size:15px}.cards{grid-template-columns:1fr}.section{padding:70px 25px}.statement-text{padding:65px 25px}.footer-top{align-items:start;flex-direction:column}}

/* V2 program page layouts */
.detail-hero{min-height:510px;display:flex;align-items:center;color:#fff;background:linear-gradient(90deg,rgba(12,27,46,.97),rgba(12,27,46,.68) 65%,rgba(12,27,46,.25)),var(--detail-image) center/cover}.detail-inner{width:min(1180px,90%);margin:auto;padding:80px 0}.detail-hero h1{font:500 clamp(48px,6vw,85px)/1.12 'Playfair Display',Georgia,serif;max-width:850px;margin:25px 0}.detail-hero p{font-size:19px;line-height:1.7;max-width:640px;margin-bottom:35px}.detail-content{display:grid;grid-template-columns:1fr 1fr;gap:10%;background:#f7f5f0}.detail-content p{line-height:1.95;color:#5b6773}.detail-content .text-link{display:inline-block;margin-top:15px}.related{background:#fff}.related-links{display:flex;flex-wrap:wrap;gap:12px}.related-links a{border:1px solid #d5d7da;padding:14px 18px;font-size:13px}.related-links a:hover{border-color:#c8a36b;color:#a9824e}@media(max-width:760px){.detail-content{grid-template-columns:1fr}.detail-hero{min-height:480px}}

/* Official combined BHFG + Barrett logo: always displayed as one image */
.site-header{min-height:112px;height:auto;padding-top:12px;padding-bottom:12px;gap:20px}
.brand{flex:0 1 auto;min-width:0}
.combined-logo{display:block;width:min(38vw,480px);height:auto;max-width:100%;object-fit:contain}
.footer-brand{background:#fff;border-radius:3px;padding:12px 16px}
.footer-brand .combined-logo{width:min(38vw,420px)}
@media(max-width:1050px){.site-header nav{gap:14px}.combined-logo{width:min(40vw,380px)}}
@media(max-width:850px){.site-header{min-height:88px}.site-header nav{top:100%}.combined-logo{width:min(74vw,390px)}.footer-brand .combined-logo{width:min(75vw,360px)}}
@media(max-width:480px){.combined-logo{width:min(74vw,320px)}.footer-brand{padding:8px}.footer-brand .combined-logo{width:min(78vw,320px)}}

/* Commercial construction financing */
.construction{background-image:url("https://images.unsplash.com/photo-1504307651254-35680f356dfd?w=800&q=80")}

/* V4 — Beverly Hills / Rodeo Drive photographic direction. Source: Library of Congress, Carol M. Highsmith, 2012; no known publication restrictions. */
.hero-photo{background-image:url("https://cdn.loc.gov/service/pnp/highsm/21600/21681v.jpg");background-position:center 48%;filter:saturate(.94)}
.hero-shade{background:linear-gradient(90deg,rgba(12,27,46,.96) 0%,rgba(12,27,46,.83) 42%,rgba(12,27,46,.28) 100%)}
@media(max-width:700px){.hero-photo{background-position:60% center}.hero-shade{background:linear-gradient(90deg,rgba(12,27,46,.95),rgba(12,27,46,.65))}}

.card-image.commercial{background-image:url("commercial-photo.webp")}

.card-image.bridge{background-image:url("bridge-photo.webp")}

.card-image.private{background-image:url("private-photo.webp")}

.card-image.flip{background-image:url("flip-photo.webp")}

.card-image.sba{background-image:url("sba-photo.webp")}

.card-image.construction{background-image:url("construction-photo.webp")}

/* V8: People-centered BHFG Difference imagery */
.statement-image{background-image:url("bhfg-difference-people.webp");background-position:center 38%;position:relative}
.statement-image:after{content:"Illustrative image · Fictional professionals";position:absolute;bottom:12px;left:14px;font-size:10px;color:white;background:rgba(10,25,44,.76);padding:6px 9px;letter-spacing:.02em}

/* V9: Updated BHFG Difference portrait using client-provided reference. */
.statement-image{background-image:url("bhfg-difference-you.webp");background-position:center center}
.statement-image:after{content:"Composite illustration · Other professionals are fictional"}

/* V10: Netlify lead form */
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.form-grid .wide{grid-column:1/-1}.bot-field{position:absolute;left:-9999px;opacity:0;pointer-events:none}.consent-label{display:flex!important;align-items:flex-start;gap:10px!important;font-weight:400!important;line-height:1.6}.consent-label input{width:auto!important;margin:4px 0 0;flex:0 0 auto}.form-note{font-size:12px;line-height:1.6;color:#66717c}.form-note a{color:#8b662e;text-decoration:underline}.contact-panel form{gap:18px}.contact-panel input:focus-visible,.contact-panel select:focus-visible,.contact-panel textarea:focus-visible{outline:2px solid #b48b4e;outline-offset:2px}@media(max-width:600px){.form-grid{grid-template-columns:1fr}.form-grid .wide{grid-column:auto}}

/* V11: consistent contact and licensing footer */
.footer-contact{margin-top:30px;padding:28px 0;border-top:1px solid #29384b}
.footer-contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px;max-width:1180px}
.footer-contact-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:9px;min-width:0}
.footer-contact-grid strong{color:#e9d0a4;font-size:13px;letter-spacing:.025em}
.footer-contact-grid span,.footer-contact-grid a{color:#c4cdd6;font-size:12px;line-height:1.7;overflow-wrap:anywhere}
.footer-contact-grid a:hover{color:#e9d0a4;text-decoration:underline}
.footer-disclaimer{max-width:1100px;margin:15px 0 25px;font-size:11px;line-height:1.8;color:#9ba9b7}
@media(max-width:700px){.footer-contact-grid{grid-template-columns:1fr;gap:24px}}