/* ==========================================================================
   borrow.cheap — CREDIT EARN PTE. LTD.
   Aesthetic: Swiss brutalist spec-sheet. Paper white, hard black rules,
   electric blue accent, oversized condensed type, visible grid.
   ========================================================================== */

:root {
  --paper: #ffffff;
  --paper-2: #f2f2ef;
  --paper-3: #e8e8e4;
  --black: #0a0a0a;
  --gray: #6b6b6b;
  --gray-2: #9a9a9a;
  --blue: #0033ff;
  --blue-soft: #e5eaff;
  --red: #ff2d16;
  --green: #00944e;
  --amber: #ffb300;

  --display: "Archivo Black", "Helvetica Neue", Impact, sans-serif;
  --sans: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --mono: "Azeret Mono", ui-monospace, "SFMono-Regular", monospace;

  --pad: clamp(1rem, 3.5vw, 3.5rem);
  --maxw: 1400px;
  --rule: 1px solid var(--black);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--black);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.55;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
::selection { background: var(--blue); color: #fff; }

h1, h2, h3, h4 {
  font-family: var(--display);
  font-weight: 400;
  line-height: 0.9;
  letter-spacing: -0.035em;
  text-transform: uppercase;
  margin: 0;
  text-wrap: balance;
}

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 var(--pad); }

.lbl {
  font-family: var(--mono); font-size: 0.62rem; font-weight: 500;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--gray);
}
.lbl b { color: var(--blue); font-weight: 500; }

.rv { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s cubic-bezier(.2,.7,.2,1); }
.rv.in { opacity: 1; transform: none; }
.fu { opacity: 0; animation: fu .8s cubic-bezier(.2,.7,.2,1) forwards; }
@keyframes fu { from { opacity: 0; transform: translateY(16px) } to { opacity: 1; transform: none } }

/* ===================== TICKER TOP ======================================= */
.ticker {
  background: var(--black); color: var(--paper);
  border-bottom: var(--rule);
  overflow: hidden; display: flex; padding: 0.5rem 0;
  font-family: var(--mono); font-size: 0.64rem; letter-spacing: 0.08em;
}
.tk-track { display: flex; gap: 2.2rem; flex-shrink: 0; padding-right: 2.2rem; white-space: nowrap; animation: sl 34s linear infinite; }
.tk-track span { display: flex; gap: 0.5rem; }
.tk-track .up { color: #6cff9e; }
.tk-track .dn { color: #ff8b7d; }
.tk-track .k { color: var(--gray-2); }
@keyframes sl { to { transform: translateX(-100%) } }

/* ===================== NAV ============================================== */
nav { position: sticky; top: 0; z-index: 900; background: var(--paper); border-bottom: 2px solid var(--black); }
.nav-in { max-width: var(--maxw); margin: 0 auto; padding: 0.7rem var(--pad); display: flex; align-items: center; gap: 1.4rem; }
.logo { font-family: var(--display); font-size: 1.28rem; letter-spacing: -0.05em; text-transform: uppercase; }
.logo span { color: var(--blue); }
.nav-links { display: flex; gap: 1.5rem; margin-left: auto; font-family: var(--mono); font-size: 0.7rem; letter-spacing: 0.06em; text-transform: uppercase; }
.nav-links a { color: var(--gray); border-bottom: 2px solid transparent; padding-bottom: 2px; transition: all .2s ease; }
.nav-links a:hover { color: var(--black); border-color: var(--blue); }

.btn {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-family: var(--mono); font-weight: 500; font-size: 0.7rem;
  letter-spacing: 0.1em; text-transform: uppercase;
  padding: 0.7rem 1.15rem; border: 2px solid var(--black);
  background: var(--blue); color: #fff; cursor: pointer; white-space: nowrap;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
}
.btn:hover { transform: translate(-2px, -2px); box-shadow: 4px 4px 0 var(--black); }
.btn.ghost { background: transparent; color: var(--black); }
.btn.ghost:hover { background: var(--black); color: var(--paper); box-shadow: 4px 4px 0 var(--blue); }
.btn.blk { background: var(--black); color: var(--paper); }
.btn.blk:hover { box-shadow: 4px 4px 0 var(--blue); }
@media (max-width: 1000px) { .nav-links { display: none; } }

/* ===================== HERO ============================================= */
.hero { border-bottom: 2px solid var(--black); }
.hero-grid { display: grid; grid-template-columns: 1.42fr 1fr; }
.hero-l { padding: clamp(2rem, 5vw, 4rem) var(--pad) clamp(2rem, 4vw, 3rem); border-right: var(--rule); }
.hero-r { padding: clamp(2rem, 5vw, 4rem) var(--pad) clamp(2rem, 4vw, 3rem); background: var(--paper-2); }
.hero-wrapfix { max-width: var(--maxw); margin: 0 auto; }

.hero h1 {
  font-size: clamp(2.9rem, 8.6vw, 8.2rem);
  margin: 1.5rem 0 0;
}
.hero h1 .blue { color: var(--blue); }
.hero h1 .hollow { -webkit-text-stroke: 2px var(--black); color: transparent; }
.hero .lede { max-width: 52ch; margin: 1.8rem 0 0; font-size: 1.02rem; color: #2a2a2a; }
.hero-actions { display: flex; gap: 0.65rem; flex-wrap: wrap; margin-top: 2rem; }

.spec { border-top: var(--rule); margin-top: 2.4rem; }
.spec-row {
  display: grid; grid-template-columns: 8.5rem 1fr auto; gap: 1rem;
  padding: 0.72rem 0; border-bottom: var(--rule);
  font-family: var(--mono); font-size: 0.72rem; align-items: baseline;
}
.spec-row .k { color: var(--gray); letter-spacing: 0.08em; text-transform: uppercase; font-size: 0.62rem; }
.spec-row .v { font-weight: 500; }
.spec-row .n { color: var(--blue); font-weight: 500; }

/* position panel ---------------------------------------------------------- */
.panel { border: 2px solid var(--black); background: var(--paper); }
.panel > header {
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 0.6rem 0.8rem; border-bottom: 2px solid var(--black); background: var(--black); color: var(--paper);
  font-family: var(--mono); font-size: 0.62rem; letter-spacing: 0.14em; text-transform: uppercase;
}
.panel > header .dotlive { display: flex; align-items: center; gap: 0.4rem; color: #6cff9e; }
.panel > header .dotlive::before { content: ""; width: 6px; height: 6px; background: #6cff9e; border-radius: 50%; animation: bl 1.8s ease-in-out infinite; }
@keyframes bl { 50% { opacity: .3 } }

.pgrid { display: grid; grid-template-columns: 1fr 1fr; }
.pcell { padding: 0.9rem 0.85rem; border-right: var(--rule); border-bottom: var(--rule); }
.pcell:nth-child(2n) { border-right: 0; }
.pcell .k { font-family: var(--mono); font-size: 0.56rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gray); }
.pcell .v { font-family: var(--display); font-size: 1.55rem; letter-spacing: -0.03em; margin-top: 0.35rem; }
.pcell .v small { font-family: var(--mono); font-size: 0.62rem; color: var(--gray); letter-spacing: 0; }
.pcell.acc { background: var(--blue-soft); }
.pcell.acc .v { color: var(--blue); }

/* LTV meter */
.ltv { padding: 0.95rem 0.85rem; border-bottom: var(--rule); }
.ltv-top { display: flex; justify-content: space-between; font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray); }
.ltv-bar { height: 26px; border: var(--rule); margin-top: 0.6rem; position: relative; background:
  repeating-linear-gradient(45deg, var(--paper-3) 0 6px, var(--paper-2) 6px 12px); }
.ltv-fill { position: absolute; inset: 0 auto 0 0; background: var(--green); width: 0; transition: width 1.5s cubic-bezier(.2,.8,.2,1), background .6s ease; }
.ltv-mark { position: absolute; top: -5px; bottom: -5px; width: 2px; background: var(--red); }
.ltv-mark::after {
  content: "LIQ 75%"; position: absolute; top: -1.15rem; left: 50%; transform: translateX(-50%);
  font-family: var(--mono); font-size: 0.52rem; color: var(--red); white-space: nowrap; letter-spacing: 0.06em;
}
.ltv-legend { display: flex; justify-content: space-between; margin-top: 0.9rem; font-family: var(--mono); font-size: 0.58rem; color: var(--gray); }

.routes { padding: 0.9rem 0.85rem; }
.routes .k { font-family: var(--mono); font-size: 0.56rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gray); margin-bottom: 0.6rem; }
.route { display: grid; grid-template-columns: 1fr auto auto; gap: 0.7rem; align-items: center; padding: 0.4rem 0; font-family: var(--mono); font-size: 0.72rem; border-bottom: 1px dotted var(--paper-3); }
.route:last-child { border-bottom: 0; }
.route .r { font-weight: 500; }
.route .apr { color: var(--gray); }
.route .pick { font-size: 0.56rem; letter-spacing: 0.1em; padding: 0.15rem 0.35rem; border: 1px solid var(--paper-3); color: var(--gray-2); }
.route.best .pick { background: var(--blue); border-color: var(--blue); color: #fff; }
.route.best .apr { color: var(--blue); }

@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-l { border-right: 0; border-bottom: var(--rule); }
}

/* ===================== SECTION SHELL ==================================== */
.sec { border-bottom: 2px solid var(--black); padding: clamp(2.6rem, 6vw, 5rem) 0; }
.sec.gray { background: var(--paper-2); }
.sec.dark { background: var(--black); color: var(--paper); }
.sec.dark .lbl { color: var(--gray-2); }
.sec.blue { background: var(--blue); color: #fff; }

.sec-head { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(1.5rem, 4vw, 3.5rem); align-items: end; margin-bottom: 2.6rem; }
.sec-head h2 { font-size: clamp(2rem, 5.4vw, 4.2rem); margin-top: 1rem; }
.sec-head p { margin: 0; color: #333; }
.sec.dark .sec-head p { color: rgba(255,255,255,.7); }
.sec.blue .sec-head p { color: rgba(255,255,255,.85); }
@media (max-width: 900px) { .sec-head { grid-template-columns: 1fr; } }

/* numbered problem table -------------------------------------------------- */
.tbl { border-top: 2px solid var(--black); }
.tr {
  display: grid; grid-template-columns: 4rem 1.1fr 1.4fr; gap: clamp(1rem, 3vw, 2.5rem);
  padding: 1.3rem 0; border-bottom: var(--rule); align-items: start;
  transition: background .25s ease;
}
.tr:hover { background: var(--blue-soft); }
.sec.dark .tr:hover { background: #151515; }
.tr .num { font-family: var(--mono); font-size: 0.72rem; color: var(--blue); font-weight: 500; }
.tr h3 { font-size: 1.28rem; }
.tr p { margin: 0; font-size: 0.93rem; color: #333; }
.sec.dark .tr p { color: rgba(255,255,255,.68); }
@media (max-width: 820px) { .tr { grid-template-columns: 2.6rem 1fr; } .tr p { grid-column: 2; } }

/* module grid ------------------------------------------------------------- */
.mods { display: grid; grid-template-columns: repeat(12, 1fr); border: 2px solid var(--black); }
.mod {
  grid-column: span 4; padding: 1.5rem 1.35rem 1.7rem;
  border-right: var(--rule); border-bottom: var(--rule);
  transition: background .25s ease;
}
.mod:hover { background: var(--blue-soft); }
.mod .mi { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.14em; color: var(--blue); }
.mod h3 { font-size: 1.32rem; margin: 0.85rem 0 0.55rem; }
.mod p { margin: 0; font-size: 0.9rem; color: #333; }
.mod.s6 { grid-column: span 6; }
.mod.s12 { grid-column: span 12; border-right: 0; }
.mod.inv { background: var(--black); color: var(--paper); }
.mod.inv p { color: rgba(255,255,255,.7); }
.mod.inv:hover { background: #151515; }
.mod.big h3 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
@media (max-width: 980px) { .mod, .mod.s6 { grid-column: span 6; } }
@media (max-width: 640px) { .mod, .mod.s6, .mod.s12 { grid-column: span 12; border-right: 0; } }

/* collateral cards -------------------------------------------------------- */
.coll { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.cc { border: 2px solid var(--black); background: var(--paper); }
.cc header { padding: 0.75rem 0.9rem; border-bottom: var(--rule); display: flex; justify-content: space-between; align-items: baseline; }
.cc header .sym { font-family: var(--display); font-size: 1.5rem; letter-spacing: -0.03em; }
.cc header .t { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gray); }
.cc .rows { padding: 0.4rem 0.9rem 0.9rem; }
.cc .row { display: flex; justify-content: space-between; padding: 0.5rem 0; border-bottom: 1px dotted var(--paper-3); font-family: var(--mono); font-size: 0.74rem; }
.cc .row:last-child { border-bottom: 0; }
.cc .row .k { color: var(--gray); }
.cc .row .v { font-weight: 500; }
.cc .row .v.b { color: var(--blue); }
@media (max-width: 720px) { .coll { grid-template-columns: 1fr; } }

/* risk engine steps ------------------------------------------------------- */
.flow { display: grid; grid-template-columns: repeat(4, 1fr); border: 2px solid var(--paper); }
.fstep { padding: 1.4rem 1.2rem 1.6rem; border-right: 1px solid rgba(255,255,255,.28); }
.fstep:last-child { border-right: 0; }
.fstep .fn { font-family: var(--mono); font-size: 0.62rem; letter-spacing: 0.14em; color: #6cff9e; }
.fstep h3 { font-size: 1.15rem; margin: 0.8rem 0 0.5rem; }
.fstep p { margin: 0; font-size: 0.87rem; color: rgba(255,255,255,.7); }
@media (max-width: 900px) { .flow { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .flow { grid-template-columns: 1fr; } .fstep { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.28); } }

/* who --------------------------------------------------------------------- */
.who { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 2px solid var(--black); }
.who > div { padding: 1.6rem 1.4rem 1.8rem; border-right: var(--rule); border-bottom: var(--rule); }
.who > div:last-child { border-right: 0; }
.who .wi { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.14em; color: var(--blue); }
.who h3 { font-size: 1.35rem; margin: 0.8rem 0 0.55rem; }
.who p { margin: 0; font-size: 0.91rem; color: #333; }
@media (max-width: 880px) { .who { grid-template-columns: 1fr; } .who > div { border-right: 0; } }

/* fees -------------------------------------------------------------------- */
.fees { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.fee { border: 2px solid var(--black); padding: 1.5rem 1.35rem 1.6rem; background: var(--paper); }
.fee .fi { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.14em; color: var(--blue); }
.fee h3 { font-size: 1.3rem; margin: 0.8rem 0 0.5rem; }
.fee p { margin: 0; font-size: 0.9rem; color: #333; }
@media (max-width: 880px) { .fees { grid-template-columns: 1fr; } }

/* warning box ------------------------------------------------------------- */
.warn {
  border: 2px solid var(--black); background: var(--amber);
  padding: 1.5rem 1.5rem 1.6rem; margin-top: 1.6rem;
}
.warn h3 { font-size: 1.35rem; margin-bottom: 0.7rem; }
.warn p { margin: 0; font-size: 0.94rem; max-width: 88ch; }

/* faq --------------------------------------------------------------------- */
.faq { border-top: 2px solid var(--black); }
.faq details { border-bottom: var(--rule); }
.faq summary {
  cursor: pointer; list-style: none; padding: 1.15rem 0;
  font-family: var(--display); font-size: clamp(1rem, 2vw, 1.35rem); text-transform: uppercase;
  letter-spacing: -0.02em; display: flex; justify-content: space-between; gap: 1.4rem; align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--mono); color: var(--blue); transition: transform .25s ease; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .a { padding: 0 0 1.3rem; font-size: 0.93rem; color: #333; max-width: 80ch; }

/* cta --------------------------------------------------------------------- */
.cta-grid { display: grid; grid-template-columns: 1.3fr 1fr; align-items: center; gap: clamp(1.5rem, 4vw, 3rem); }
.cta-grid h2 { font-size: clamp(2.2rem, 6.4vw, 5.4rem); }
.cta-grid p { color: rgba(255,255,255,.85); max-width: 44ch; }
.cta-actions { display: flex; gap: 0.65rem; flex-wrap: wrap; margin-top: 1.6rem; }
.sec.blue .btn { background: var(--paper); color: var(--black); border-color: var(--paper); }
.sec.blue .btn:hover { box-shadow: 4px 4px 0 var(--black); }
.sec.blue .btn.ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.sec.blue .btn.ghost:hover { background: #fff; color: var(--blue); }
@media (max-width: 900px) { .cta-grid { grid-template-columns: 1fr; } }

/* footer ------------------------------------------------------------------ */
footer { background: var(--black); color: rgba(255,255,255,.65); padding-bottom: 2.2rem; font-size: 0.86rem; }
.fg { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 2rem; padding: 3rem 0 2.4rem; }
.fg h4 { font-family: var(--mono); font-size: 0.6rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--paper); margin-bottom: 0.9rem; font-weight: 500; }
.fg ul { list-style: none; margin: 0; padding: 0; }
.fg li { margin-bottom: 0.45rem; }
.fg a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.fg .fl { font-family: var(--display); font-size: 1.5rem; color: var(--paper); text-transform: uppercase; letter-spacing: -0.04em; }
.fg .fl span { color: var(--blue); }
.fg p { max-width: 36ch; margin: 0.7rem 0 0; }
.disc { border: 1px solid rgba(255,255,255,.24); padding: 1.1rem 1.3rem; font-size: 0.78rem; color: rgba(255,255,255,.55); margin-bottom: 2rem; }
.legal {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.8rem 2rem;
  border-top: 1px solid rgba(255,255,255,.24); padding-top: 1.6rem;
  font-family: var(--mono); font-size: 0.64rem; letter-spacing: 0.06em; color: rgba(255,255,255,.5);
}
.legal .co { color: #fff; }
@media (max-width: 880px) { .fg { grid-template-columns: 1fr 1fr; } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001s !important; animation-iteration-count: 1 !important; transition-duration: .001s !important; }
  .rv { opacity: 1; transform: none; }
}