/* Apex Business Loan.
 *
 * Deep navy on cool white, one teal. The whole design is a climb: the six
 * products sit on a vertical rail, largest at the top, each with its ceiling
 * figure set on the rail like an altitude mark.
 *
 * That rail is what this site is recognisable by in greyscale -- a vertical
 * line with numbers pinned along it, running the height of the page. Nothing
 * else in this repository is laid out on an axis.
 *
 * Chivo over Karla. Chivo's figures are the reason it is here: the ceiling
 * numbers are the largest type on the page after the headline, and they need
 * to be unambiguous at size.
 *
 * No photograph on the home page at all. A scale is a drawing.
 */

@font-face {
  font-family: "Chivo";
  src: url("display.woff2") format("woff2");
  font-weight: 400 900;
  font-display: swap;
}
@font-face {
  font-family: "Karla";
  src: url("text.woff2") format("woff2");
  font-weight: 400 700;
  font-display: swap;
}

:root {
  --navy: #001c70;
  --navy-deep: #00113f;
  --navy-mid: #1c388c;
  --teal: #1abc9c;
  --teal-deep: #129077;
  --paper: #ffffff;
  --tint: #f2f6f8;
  --rule: #d8e0e6;
  --text: #1b2430;
  --muted: #56636f;
  --faint: #7d8896;
  --shell: 1120px;
  --display: "Chivo", "Segoe UI", system-ui, sans-serif;
  --body: "Karla", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font: 400 17px/1.62 var(--body);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
}

.shell {
  width: 100%;
  max-width: var(--shell);
  margin: 0 auto;
  padding: 0 24px;
}

.skip {
  position: absolute;
  left: -9999px;
}
.skip:focus {
  left: 8px;
  top: 8px;
  z-index: 50;
  background: var(--navy);
  color: #fff;
  padding: 10px 14px;
}

:where(a, button, iframe):focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 2px;
}

/* ---------- masthead ---------- */

.mast {
  background: #fff;
  border-bottom: 1px solid var(--rule);
}

.mast__bar {
  display: flex;
  align-items: center;
  gap: 24px;
  min-height: 78px;
  flex-wrap: wrap;
  padding: 10px 24px;
}

.mast__logo img {
  height: var(--logo-h, 36px);
  width: auto;
}

.mast__nav {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-left: auto;
  flex-wrap: wrap;
}

.mast__nav a {
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
}

.mast__nav a:hover {
  color: var(--navy);
}

.mast__tel {
  font-family: var(--display);
  font-weight: 700;
  color: var(--navy) !important;
  white-space: nowrap;
}

.mast__cta {
  background: var(--teal);
  color: #04231d !important;
  font-weight: 700 !important;
  padding: 11px 20px;
  white-space: nowrap;
}

.mast__cta:hover {
  background: var(--teal-deep);
  color: #fff !important;
}

/* ---------- the summit (hero) ---------- */

.summit {
  background: var(--navy);
  color: #fff;
  padding: 80px 0 72px;
  /* The one gesture: a teal edge along the bottom, the line the climb starts
     from. Drawn rather than a border so it can be thicker at the left. */
  border-bottom: 5px solid var(--teal);
}

.summit__kicker {
  font-family: var(--display);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.17em;
  text-transform: uppercase;
  color: var(--teal);
  margin: 0 0 22px;
}

.summit h1 {
  font-family: var(--display);
  font-weight: 900;
  font-size: clamp(2.3rem, 5.8vw, 4.2rem);
  line-height: 1;
  letter-spacing: -0.035em;
  margin: 0;
  max-width: 15ch;
}

.summit__sub {
  margin: 24px 0 0;
  max-width: 58ch;
  font-size: 1.12rem;
  color: #b9c6e4;
}

.summit__acts {
  display: flex;
  gap: 13px;
  flex-wrap: wrap;
  margin-top: 34px;
}

.btn {
  display: inline-block;
  background: var(--teal);
  color: #04231d;
  text-decoration: none;
  font-family: var(--display);
  font-weight: 700;
  font-size: 0.98rem;
  padding: 15px 30px;
  border: 2px solid var(--teal);
}

.btn:hover {
  background: var(--teal-deep);
  border-color: var(--teal-deep);
  color: #fff;
}

.btn--line {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.45);
}

.btn--line:hover {
  background: #fff;
  color: var(--navy);
  border-color: #fff;
}

/* ---------- sections ---------- */

.section {
  padding: 70px 0;
}

.section--tint {
  background: var(--tint);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}

.h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(1.6rem, 3.3vw, 2.3rem);
  line-height: 1.06;
  letter-spacing: -0.03em;
  margin: 0 0 12px;
  color: var(--navy-deep);
  max-width: 24ch;
}

.sub {
  margin: 0 0 36px;
  max-width: 64ch;
  color: var(--muted);
}

.head {
  padding: 62px 0 42px;
  background: var(--tint);
  border-bottom: 1px solid var(--rule);
}

.head h1 {
  font-family: var(--display);
  font-weight: 900;
  font-size: clamp(2rem, 4.8vw, 3.2rem);
  line-height: 1.04;
  letter-spacing: -0.035em;
  margin: 0;
  color: var(--navy-deep);
  max-width: 20ch;
}

.head .lede {
  margin: 16px 0 0;
  max-width: 62ch;
  font-size: 1.08rem;
  color: var(--muted);
}

.head__kicker {
  font-family: var(--display);
  font-weight: 700;
  font-size: 0.76rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin: 0 0 12px;
}

/* ---------- the climb ---------- */

.climb {
  list-style: none;
  margin: 0;
  padding: 0;
  position: relative;
}

/* The rail itself. It runs the height of the list, behind the marks. */
.climb::before {
  content: "";
  position: absolute;
  left: 91px;
  top: 10px;
  bottom: 10px;
  width: 2px;
  background: linear-gradient(to bottom, var(--teal), var(--navy));
}

.rung {
  display: grid;
  grid-template-columns: 92px 1fr;
  gap: 0 34px;
  padding: 0 0 34px;
  position: relative;
}

.rung:last-child {
  padding-bottom: 0;
}

.rung__mark {
  text-align: right;
  padding-right: 22px;
  position: relative;
}

/* The altitude tick, sitting on the rail. */
.rung__mark::after {
  content: "";
  position: absolute;
  right: -5px;
  top: 9px;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--navy);
}

.section--tint .rung__mark::after {
  background: var(--tint);
}

.rung__ceiling {
  display: block;
  font-family: var(--display);
  font-weight: 900;
  font-size: clamp(1.2rem, 2.6vw, 1.65rem);
  line-height: 1;
  letter-spacing: -0.035em;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

.rung__n {
  display: block;
  margin-top: 5px;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  color: var(--faint);
}

.rung__body {
  display: block;
  text-decoration: none;
  color: inherit;
  border-bottom: 1px solid var(--rule);
  padding-bottom: 26px;
}

.rung:last-child .rung__body {
  border-bottom: 0;
  padding-bottom: 0;
}

.rung__body h3 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(1.2rem, 2.4vw, 1.5rem);
  line-height: 1.12;
  letter-spacing: -0.028em;
  margin: 0 0 7px;
  color: var(--navy-deep);
}

.rung__body:hover h3 {
  color: var(--teal-deep);
}

.rung__body > p {
  margin: 0 0 12px;
  color: var(--muted);
  max-width: 52ch;
}

.rung__pts {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}

.rung__pts li {
  font-size: 0.84rem;
  color: var(--faint);
  position: relative;
  padding-left: 15px;
}

.rung__pts li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.58em;
  width: 7px;
  height: 7px;
  background: var(--teal);
}

/* ---------- proof ---------- */

.proof {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 28px;
}

.proof li {
  position: relative;
  padding-left: 26px;
  color: var(--muted);
}

.proof li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.42em;
  width: 13px;
  height: 7px;
  border-left: 2.5px solid var(--teal);
  border-bottom: 2.5px solid var(--teal);
  transform: rotate(-45deg);
}

.proof--col {
  grid-template-columns: 1fr;
  margin: 24px 0 0;
}

/* ---------- steps ---------- */

.steps {
  list-style: none;
  counter-reset: s;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.steps li {
  counter-increment: s;
  padding-top: 18px;
  border-top: 3px solid var(--navy);
}

.steps li::before {
  content: "0" counter(s);
  display: block;
  font-family: var(--display);
  font-weight: 900;
  font-size: 1.6rem;
  line-height: 1;
  color: var(--teal-deep);
  letter-spacing: -0.03em;
  margin-bottom: 12px;
}

.steps h3 {
  font-family: var(--display);
  font-weight: 800;
  font-size: 1.14rem;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
  color: var(--navy-deep);
}

.steps p {
  margin: 0;
  color: var(--muted);
  font-size: 0.97rem;
}

/* ---------- the application ---------- */

.ask {
  padding: 70px 0;
  background: var(--navy);
  color: #fff;
}

.ask__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}

.ask__say h2 {
  font-family: var(--display);
  font-weight: 900;
  font-size: clamp(1.8rem, 3.6vw, 2.5rem);
  line-height: 1.04;
  letter-spacing: -0.035em;
  margin: 0 0 14px;
}

.ask__say > p {
  margin: 0 0 26px;
  color: #b9c6e4;
  max-width: 46ch;
}

.ask .proof li {
  color: #cdd8ee;
}

.ask__tel {
  margin-top: 24px !important;
  font-size: 0.96rem;
  color: #b9c6e4;
}

.ask__tel a {
  font-family: var(--display);
  font-weight: 700;
  color: #fff;
  text-decoration: none;
  border-bottom: 2px solid var(--teal);
}

.ask__frame {
  background: #fff;
  border: 1px solid var(--navy-mid);
}

.ask__tab {
  background: var(--teal);
  color: #04231d;
  font-family: var(--display);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 11px 16px;
}

.ask__frame iframe {
  display: block;
  width: 100%;
  border: 0;
  /* No min-height: it outranks the height the form posts. See tools/forms. */
}

/* ---------- product + about ---------- */

.about,
.prod {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 50px;
  align-items: start;
}

.about p,
.prod__text p {
  margin: 0 0 18px;
  color: var(--muted);
}

.about figure,
.prod__fig {
  margin: 0;
}

.about img,
.prod__fig img {
  width: 100%;
  border: 1px solid var(--rule);
}

.about__act {
  margin-top: 28px !important;
}

.specs {
  margin: 0 0 34px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}

.specs > div {
  background: #fff;
  padding: 15px 12px;
  text-align: center;
}

.specs dd {
  margin: 0;
  font-family: var(--display);
  font-weight: 800;
  font-size: 1.02rem;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}

.specs dt {
  margin-top: 6px;
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--faint);
}

.prod__text .h2 {
  margin-top: 0;
  font-size: 1.45rem;
}

.legal {
  max-width: 74ch;
  color: var(--muted);
}

.legal p {
  margin: 0 0 16px;
}

.legal--terms {
  font-size: 0.95rem;
  border-left: 4px solid var(--teal);
  padding-left: 22px;
}

.legal a {
  color: var(--navy);
}

/* ---------- footer ---------- */

.foot {
  background: var(--navy-deep);
  color: #a6b2c9;
  padding: 56px 0 24px;
  font-size: 0.94rem;
  border-top: 5px solid var(--teal);
}

.foot__grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr;
  gap: 38px;
}

.foot__logo {
  height: 34px;
  width: auto;
  filter: brightness(0) invert(1);
  margin-bottom: 16px;
}

.foot p {
  margin: 0 0 9px;
  max-width: 38ch;
}

.foot__addr {
  color: #74809a;
}

.foot h4 {
  font-family: var(--display);
  font-weight: 800;
  color: #fff;
  font-size: 0.83rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin: 0 0 13px;
}

.foot ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.foot li {
  padding: 4px 0;
}

.foot a {
  color: #a6b2c9;
  text-decoration: none;
}

.foot a:hover {
  color: var(--teal);
}

.foot__rule {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  border-top: 1px solid #14224d;
  margin-top: 38px;
  padding-top: 20px;
  font-size: 0.82rem;
  color: #6b7692;
}

/* ---------- narrow ---------- */

@media (max-width: 960px) {
  .ask__grid,
  .about,
  .prod {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .steps {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .foot__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 680px) {
  body {
    font-size: 16px;
  }

  .summit {
    padding: 56px 0 48px;
  }

  /* The rail moves to the far left and the ceiling sits above the name, so a
     phone reads altitude then product rather than two narrow columns. */
  .climb::before {
    left: 5px;
  }

  .rung {
    grid-template-columns: 1fr;
    gap: 0;
    padding-left: 30px;
  }

  .rung__mark {
    text-align: left;
    padding-right: 0;
    margin-bottom: 8px;
  }

  .rung__mark::after {
    right: auto;
    left: -30px;
    top: 5px;
  }

  .rung__n {
    display: inline;
    margin-left: 10px;
  }

  .specs {
    grid-template-columns: 1fr 1fr;
  }

  .proof {
    grid-template-columns: 1fr;
  }

  .foot__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .mast__nav {
    gap: 16px;
    width: 100%;
    margin-left: 0;
  }

  .mast__cta {
    margin-left: auto;
  }
}