.spectrum-lending{--ink:#1a1a1a;--wine-deepest:#26060f;--wine-deep:#3a0a1a;--wine:#7a1030;--red:#b01f24;--gold:#ada400;--gold-bright:#d4a017;--cream:#f9f6f0;--cream-deep:#f0e9da;--paper:#fffdf8;--body:#555555;--serif:Georgia,"Times New Roman",serif;--sans:"Helvetica Neue",Helvetica,Arial,sans-serif}.spectrum-lending *{margin:0;padding:0;box-sizing:border-box}.spectrum-lending{font-family:var(--serif);color:var(--ink);background:var(--paper);font-size:16px;line-height:1.7}.spectrum-lending img{max-width:100%;display:block}.spectrum-lending a{color:var(--gold);text-decoration:none}.spectrum-lending a:hover{text-decoration:underline}.spectrum-lending .spectrum-band{height:6px;background:linear-gradient(90deg,#2b0a14 0,#2b0a14 11%,#7a1030 0,#7a1030 22%,#b01f24 0,#b01f24 33%,#d92027 0,#d92027 44%,#efa8a0 0,#efa8a0 55%,#f5e9a5 0,#f5e9a5 66%,#e3d488 0,#e3d488 77%,#e8b345 0,#e8b345 88%,#d29a2e 0,#d29a2e)}.spectrum-lending header{background:#fff;border-bottom:1px solid #eae5d8}.spectrum-lending .header-inner{max-width:1080px;margin:0 auto;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.spectrum-lending .logo-group{display:flex;align-items:center;gap:22px}.spectrum-lending .logo img{height:64px;width:auto}.spectrum-lending .logo-divider{width:1px;height:52px;background:#ddd6c4}.spectrum-lending .partner-logo{display:flex;flex-direction:column;gap:6px}.spectrum-lending .partner-logo .partner-label{font-family:var(--sans);font-size:8px;letter-spacing:2.5px;text-transform:uppercase;color:#9a947f}.spectrum-lending .partner-logo img{height:30px;width:auto}@media(max-width:560px){.spectrum-lending .logo img{height:48px}.spectrum-lending .partner-logo img{height:24px}.spectrum-lending .logo-divider{height:40px}}.spectrum-lending nav{display:flex;gap:28px;align-items:center;flex-wrap:wrap}.spectrum-lending nav a{font-family:var(--sans);font-size:11px;letter-spacing:3px;text-transform:uppercase;color:var(--ink)}.spectrum-lending nav a:hover{color:var(--gold);text-decoration:none}.spectrum-lending .nav-cta{background:var(--wine-deep);color:#fff!important;padding:12px 22px;letter-spacing:3px}.spectrum-lending .nav-cta:hover{background:var(--wine);color:#fff!important}.spectrum-lending .hero{background:radial-gradient(120% 140% at 20% 0,#4a0e22 0,var(--wine-deep) 45%,var(--wine-deepest) 100%);color:#fff;padding:96px 24px 88px;position:relative;overflow:hidden}.spectrum-lending .hero:after{content:"";position:absolute;right:-120px;top:-80px;width:520px;height:520px;border-radius:50%;border:1px solid rgba(212,160,23,.25);pointer-events:none}.spectrum-lending .hero:before{content:"";position:absolute;right:-40px;top:60px;width:380px;height:380px;border-radius:50%;border:1px solid rgba(212,160,23,.15);pointer-events:none}.spectrum-lending .hero-inner{max-width:1080px;margin:0 auto;position:relative;z-index:1}.spectrum-lending .overline{font-family:var(--sans);font-size:11px;letter-spacing:5px;text-transform:uppercase;color:var(--gold-bright)}.spectrum-lending .hero h1{font-size:clamp(36px,5.5vw,58px);line-height:1.12;font-weight:400;margin:20px 0 24px;max-width:760px}.spectrum-lending .hero h1 em{font-style:italic;color:var(--gold-bright)}.spectrum-lending .hero p.lede{font-size:19px;line-height:1.75;color:#e8ddcf;max-width:640px;margin-bottom:36px}.spectrum-lending .hero-ctas{display:flex;gap:16px;flex-wrap:wrap}.spectrum-lending .btn{font-family:var(--sans);font-size:12px;letter-spacing:3px;text-transform:uppercase;padding:16px 32px;display:inline-block;cursor:pointer;border:none}.spectrum-lending .btn-gold{background:var(--gold-bright);color:var(--wine-deepest)}.spectrum-lending .btn-gold:hover{background:#e2b535;text-decoration:none;color:var(--wine-deepest)}.spectrum-lending .btn-ghost{border:1px solid rgba(255,255,255,.45);color:#fff}.spectrum-lending 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auto}.spectrum-lending .section-head{max-width:680px;margin-bottom:56px}.spectrum-lending .section-head h2{font-size:clamp(28px,4vw,40px);font-weight:400;line-height:1.2;margin-top:16px}.spectrum-lending .section-head h2 em{font-style:italic;color:var(--gold)}.spectrum-lending .section-head p{color:var(--body);margin-top:18px;font-size:17px}.spectrum-lending .gold-rule{height:2px;background:var(--gold)}.spectrum-lending .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.spectrum-lending .step{background:var(--cream);border-top:3px solid var(--gold);padding:32px 26px}.spectrum-lending .step .n{font-size:44px;color:var(--gold-bright);line-height:1;font-style:italic}.spectrum-lending .step h3{font-size:20px;font-weight:400;margin:18px 0 12px}.spectrum-lending .step p{font-size:14.5px;color:var(--body);line-height:1.7}@media(max-width:900px){.spectrum-lending .steps{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.spectrum-lending 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.inner{max-width:720px;margin:0 auto}.spectrum-lending .auction-callout h3{font-size:26px;font-weight:400;font-style:italic;margin-top:14px}.spectrum-lending .auction-callout p{color:var(--body);margin-top:16px}.spectrum-lending .faq-group{margin-bottom:48px}.spectrum-lending .faq-group-title{font-family:var(--sans);font-size:11px;letter-spacing:4px;text-transform:uppercase;color:var(--gold);border-bottom:2px solid var(--gold);padding-bottom:12px;margin-bottom:8px}.spectrum-lending details{border-bottom:1px solid #e5dfd0}.spectrum-lending summary{cursor:pointer;padding:22px 40px 22px 4px;font-size:18px;list-style:none;position:relative}.spectrum-lending summary::-webkit-details-marker{display:none}.spectrum-lending summary:after{content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);color:var(--gold-bright);font-size:24px;font-weight:300;transition:transform .2s}.spectrum-lending details[open] summary:after{content:"–"}.spectrum-lending details .answer{padding:0 4px 26px;color:var(--body);font-size:15.5px;line-height:1.8;max-width:820px}.spectrum-lending details .answer p{margin-bottom:12px}.spectrum-lending details .answer p:last-child{margin-bottom:0}.spectrum-lending .lead{background:linear-gradient(180deg,var(--wine-deep) 0,var(--wine-deepest) 100%);color:#fff}.spectrum-lending .lead-grid{display:grid;grid-template-columns:5fr 7fr;gap:64px;align-items:start}@media(max-width:860px){.spectrum-lending .lead-grid{grid-template-columns:1fr}}.spectrum-lending .lead h2{font-size:clamp(28px,4vw,38px);font-weight:400;line-height:1.25;margin-top:16px}.spectrum-lending .lead h2 em{font-style:italic;color:var(--gold-bright)}.spectrum-lending .lead .pitch{color:#e8ddcf;margin-top:20px;font-size:16.5px}.spectrum-lending .lead .reassure{margin-top:28px;padding:20px 24px;background:rgba(255,255,255,.06);border-left:2px solid var(--gold-bright);font-size:14px;color:#cbbfae;font-style:italic}.spectrum-lending form{background:#fff;padding:44px 40px;color:var(--ink);box-shadow:0 24px 60px rgba(0,0,0,.35)}.spectrum-lending .form-title{font-family:var(--sans);font-size:11px;letter-spacing:4px;text-transform:uppercase;color:var(--gold);margin-bottom:26px}.spectrum-lending .field{margin-bottom:22px}.spectrum-lending label{display:block;font-family:var(--sans);font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#6b6553;margin-bottom:8px}.spectrum-lending label .req{color:var(--red)}.spectrum-lending input[type=email],.spectrum-lending input[type=tel],.spectrum-lending input[type=text],.spectrum-lending textarea{width:100%;padding:14px 16px;border:1px solid #d8d2c2;background:var(--paper);font-family:var(--serif);font-size:16px;color:var(--ink)}.spectrum-lending input:focus,.spectrum-lending textarea:focus{outline:none;border-color:var(--gold-bright)}.spectrum-lending textarea{min-height:120px;resize:vertical}.spectrum-lending .file-field{border:1px dashed #c9c2ae;background:var(--cream);padding:18px 16px;font-size:14px;color:var(--body)}.spectrum-lending .file-field input{margin-top:10px;font-family:var(--sans);font-size:13px}.spectrum-lending .hint{font-size:12.5px;color:#9a947f;margin-top:8px;font-style:italic;line-height:1.5}.spectrum-lending .btn-submit{width:100%;background:var(--wine-deep);color:#fff;margin-top:6px}.spectrum-lending .btn-submit:hover{background:var(--wine)}.spectrum-lending .privacy{font-size:12px;color:#9a947f;margin-top:16px;text-align:center;font-style:italic}.spectrum-lending .float-apply{position:fixed;right:28px;bottom:28px;z-index:100;background:var(--gold-bright);color:var(--wine-deepest);font-family:var(--sans);font-size:12px;letter-spacing:3px;text-transform:uppercase;padding:16px 30px;box-shadow:0 10px 30px rgba(38,6,15,.35);display:inline-flex;align-items:center;gap:10px;opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity .3s,transform .3s,visibility .3s,background .2s}.spectrum-lending .float-apply.visible{opacity:1;visibility:visible;transform:translateY(0)}.spectrum-lending .float-apply:hover{background:#e2b535;text-decoration:none;color:var(--wine-deepest)}.spectrum-lending .float-apply .arrow{font-family:var(--serif);font-size:16px;line-height:1}@media(max-width:560px){.spectrum-lending .float-apply{right:16px;bottom:16px;left:16px;justify-content:center}}.spectrum-lending .lending-disclosures{background:#141414;color:#8f8a7c;padding:56px 24px 40px;font-size:13px}.spectrum-lending .footer-inner{max-width:1080px;margin:0 auto}.spectrum-lending .footer-cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:40px}@media(max-width:760px){.spectrum-lending .footer-cols{grid-template-columns:1fr}}.spectrum-lending .lending-disclosures h4{font-family:var(--sans);font-size:10px;letter-spacing:3px;text-transform:uppercase;color:var(--gold-bright);margin-bottom:16px;font-weight:400}.spectrum-lending .lending-disclosures a{color:#c9c3b2}.spectrum-lending .lending-disclosures .fineprint{border-top:1px solid #2c2c2c;padding-top:28px;line-height:1.8;font-size:12px;color:var(--cream)}.spectrum-lending .lending-disclosures .fineprint p{margin-bottom:10px}.spectrum-lending .cfc-credit{display:flex;align-items:flex-start;gap:20px;margin-bottom:24px;flex-wrap:wrap}.spectrum-lending .cfc-credit .cfc-chip{background:#fff;padding:10px 16px;border-radius:2px;flex-shrink:0}.spectrum-lending .cfc-credit .cfc-chip img{height:30px;width:auto}.spectrum-lending .cfc-credit .cfc-legal{flex:1;min-width:260px;font-size:13px;line-height:1.8;color:var(--cream)}.spectrum-lending .cfc-credit .cfc-legal .caps{text-transform:uppercase;letter-spacing:.5px;font-size:12px;color:var(--cream)}.spectrum-lending{--gold:#827b00;--sans:var(--font-sans),Arial,sans-serif;--serif:var(--font-heading),Georgia,serif}.spectrum-lending h1,.spectrum-lending h2,.spectrum-lending h3{letter-spacing:normal}.spectrum-lending section[id]{scroll-margin-top:110px}.spectrum-lending .inquiry-error{color:#a10d28;margin-bottom:16px}.spectrum-lending button:disabled{opacity:.6;cursor:wait}.spectrum-lending a:focus-visible,.spectrum-lending button:focus-visible,.spectrum-lending summary:focus-visible{outline:2px solid #d4a017;outline-offset:4px}@media(max-width:560px){.spectrum-lending form{padding:28px 20px}.spectrum-lending section{padding:56px 20px}.spectrum-lending .hero{padding:60px 20px}.spectrum-lending .btn{padding:16px 20px}.spectrum-lending .stat{padding:28px 10px}.spectrum-lending .hero h1{font-size:36px}}.spectrum-lending[data-presentation=original] .terms .section-head h2 em{color:var(--gold-bright)}.spectrum-lending[data-presentation=website]{--ink:var(--foreground);--wine:#990037;--gold:var(--muted-foreground);--gold-bright:#e3d488;--cream:var(--background);--paper:var(--card);--body:var(--muted-foreground);--serif:var(--font-fraunces),Georgia,serif;--sans:var(--font-sans),Arial,sans-serif;font-family:var(--sans);background:var(--background);line-height:1.65}.spectrum-lending[data-presentation=website] :is(h1,h2,h3,.num,.big,.n){font-family:var(--serif);font-weight:400}.spectrum-lending[data-presentation=website] .spectrum-band{height:4px}.spectrum-lending[data-presentation=website] :is(.hero-inner,.section-inner,.stats-inner,.footer-inner){max-width:1280px}.spectrum-lending[data-presentation=website] :is(section,.hero,.auction-callout){padding:80px max(24px,calc((100vw - 1280px) / 2))}.spectrum-lending[data-presentation=website] .hero{background:radial-gradient(ellipse at top right,#68112f,#390b1d 65%,#290913)}.spectrum-lending[data-presentation=website] .hero:after{width:660px;height:660px;right:-110px;top:-130px;border-color:#e3d48830}.spectrum-lending[data-presentation=website] .hero:before{width:500px;height:500px;right:-30px;top:-50px;border-color:#e3d48820}.spectrum-lending[data-presentation=website] .overline{text-decoration:none;font-size:12px;line-height:20px;letter-spacing:2px;font-weight:500;color:var(--wine)}.spectrum-lending[data-presentation=website] .hero .overline{color:#e3d488}.spectrum-lending[data-presentation=website] .hero h1{font-size:48px;line-height:56px;max-width:900px;margin:20px 0 24px}.spectrum-lending[data-presentation=website] .hero p.lede{font-size:16px;line-height:28px;max-width:760px;color:#eee7e3;margin-bottom:32px}.spectrum-lending[data-presentation=website] .btn{border-radius:6px;font-size:16px;line-height:24px;padding:12px 24px;text-transform:none;letter-spacing:0;font-weight:500;text-align:center;transition:background .15s,color .15s}.spectrum-lending[data-presentation=website] .btn-gold{background:var(--card);color:var(--foreground);border:1px solid var(--card)}.spectrum-lending[data-presentation=website] .btn-gold:hover{background:#e3d488;border-color:#e3d488}.spectrum-lending[data-presentation=website] .btn-ghost{border-color:#ffffff80}.spectrum-lending[data-presentation=website] .btn-ghost:hover{color:#fff;background:#ffffff12;border-color:#fff}.spectrum-lending[data-presentation=website] .stats{background:var(--card);border-bottom-color:var(--border);padding:0 24px}.spectrum-lending[data-presentation=website] .stats-inner{padding:0}.spectrum-lending[data-presentation=website] .stat{padding:32px 20px;border-color:var(--border)}.spectrum-lending[data-presentation=website] .stat .num{color:var(--wine);font-size:40px;line-height:48px}.spectrum-lending[data-presentation=website] .stat .num span{color:inherit}.spectrum-lending[data-presentation=website] .stat .label{font-size:12px;line-height:20px;letter-spacing:.5px;color:var(--body);margin-top:8px}.spectrum-lending[data-presentation=website] .section-head{max-width:820px;margin-bottom:40px}.spectrum-lending[data-presentation=website] :is(.section-head h2,.lead h2){font-size:36px;line-height:44px;margin-top:12px}.spectrum-lending[data-presentation=website] :is(.section-head h2,.lead h2) em{color:var(--wine)}.spectrum-lending[data-presentation=website] .section-head p{font-size:16px;line-height:28px}.spectrum-lending[data-presentation=website] .gold-rule{height:1px;background:var(--border)}.spectrum-lending[data-presentation=website] .steps{gap:24px}.spectrum-lending[data-presentation=website] .step{background:var(--card);border:1px solid var(--border);border-top:3px solid var(--wine);border-radius:8px;padding:32px}.spectrum-lending[data-presentation=website] .step .n{color:var(--wine);font-size:40px}.spectrum-lending[data-presentation=website] .step h3{font-size:24px;line-height:32px;margin:24px 0 16px}.spectrum-lending[data-presentation=website] .step p{font-size:15px;line-height:26px}.spectrum-lending[data-presentation=website] .terms{background:var(--muted);color:var(--ink)}.spectrum-lending[data-presentation=website] .terms .section-head h2{color:var(--ink)}.spectrum-lending[data-presentation=website] .terms .section-head h2 em{color:var(--wine)}.spectrum-lending[data-presentation=website] .terms .section-head p{color:var(--body)}.spectrum-lending[data-presentation=website] .terms-grid{gap:16px;background:none;border:0}.spectrum-lending[data-presentation=website] .term-cell{background:var(--card);border:1px solid var(--border);border-radius:8px;padding:28px}.spectrum-lending[data-presentation=website] .term-cell h3{font-family:var(--sans);font-size:12px;line-height:20px;letter-spacing:1px;color:var(--body);margin-bottom:12px}.spectrum-lending[data-presentation=website] .term-cell .big{font-size:28px;line-height:36px;color:var(--wine)}.spectrum-lending[data-presentation=website] .term-cell p{font-size:14px;line-height:24px;color:var(--body)}.spectrum-lending[data-presentation=website] .auction-callout{background:var(--card);border-block:1px solid var(--border);padding-block:56px}.spectrum-lending[data-presentation=website] .auction-callout .inner{max-width:840px}.spectrum-lending[data-presentation=website] .auction-callout h3{font-size:28px;line-height:36px}.spectrum-lending[data-presentation=website] .faq-group{margin-bottom:32px}.spectrum-lending[data-presentation=website] .faq-group:last-child{margin-bottom:0}.spectrum-lending[data-presentation=website] .faq-group-title{font-size:13px;letter-spacing:1px;color:var(--body);border:none;padding:0;margin-bottom:16px}.spectrum-lending[data-presentation=website] details{background:var(--card);border:1px solid var(--border);border-radius:8px;margin-top:12px}.spectrum-lending[data-presentation=website] summary{font-size:16px;font-weight:500;line-height:26px;padding:20px 56px 20px 24px;border-radius:8px}.spectrum-lending[data-presentation=website] summary:after{right:24px;color:var(--wine)}.spectrum-lending[data-presentation=website] details[open]{border-color:var(--input)}.spectrum-lending[data-presentation=website] details .answer{padding:0 24px 24px;font-size:15px;line-height:26px;max-width:960px}.spectrum-lending[data-presentation=website] .lead{background:var(--light-cream);color:var(--ink)}.spectrum-lending[data-presentation=website] .lead-grid{gap:64px;grid-template-columns:1fr 1fr}.spectrum-lending[data-presentation=website] .lead .pitch{color:var(--body);font-size:16px;line-height:28px}.spectrum-lending[data-presentation=website] .lead .reassure{background:none;border-color:var(--wine);color:var(--body);font-family:var(--serif);font-size:20px;line-height:30px;padding:4px 0 4px 24px}.spectrum-lending[data-presentation=website] :is(form,.inquiry-success){background:var(--card);padding:32px;border:1px solid var(--border);border-radius:8px;box-shadow:none}.spectrum-lending[data-presentation=website] .form-title{font-family:var(--serif);font-size:24px;line-height:32px;letter-spacing:0;text-transform:none;color:var(--ink);margin-bottom:24px}.spectrum-lending[data-presentation=website] label{font-size:14px;line-height:22px;letter-spacing:0;text-transform:none;color:var(--ink)}.spectrum-lending[data-presentation=website] :is(input[type=text],input[type=email],input[type=tel],textarea){font-family:var(--sans);border-color:var(--input);border-radius:6px;padding:12px 16px}.spectrum-lending[data-presentation=website] :is(input,textarea):focus{border-color:var(--wine);outline:2px solid var(--wine);outline-offset:2px}.spectrum-lending[data-presentation=website] :is(.hint,.privacy){font-size:12px;line-height:20px;color:var(--body);font-style:normal}.spectrum-lending[data-presentation=website] 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