<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8">
  <meta name="viewport" content="width=device-width, initial-scale=1.0">
  <title>Icarus Consulting — Business Financing Brokerage</title>
  <link rel="preconnect" href="https://fonts.googleapis.com">
  <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
  <link href="https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,600;1,400;1,600&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,700&display=swap" rel="stylesheet">
  <style>
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --navy:      #1D2D5E;
      --navy-deep: #152247;
      --gold:      #B5933A;
      --gold-lt:   #CBA94D;
      --gold-pale: #F5EDD8;
      --ivory:     #FAF7F2;
      --ivory-dk:  #F0EBE1;
      --charcoal:  #1C1C2E;
      --slate:     #5A6277;
      --mist:      #E8EDF6;
      --white:     #FFFFFF;
      --font-d:    'Cormorant Garamond', Georgia, serif;
      --font-b:    'DM Sans', system-ui, sans-serif;
      --max-w:     1160px;
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: var(--font-b);
      color: var(--charcoal);
      background: var(--ivory);
      font-size: 16px;
      line-height: 1.65;
      -webkit-font-smoothing: antialiased;
    }

    .container {
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 0 2rem;
    }

    /* ─── TYPE ─── */
    .eyebrow {
      display: block;
      font-size: 0.68rem;
      font-weight: 500;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.6rem;
    }

    h2.section-title {
      font-family: var(--font-d);
      font-weight: 600;
      font-size: clamp(2rem, 4vw, 3.2rem);
      line-height: 1.08;
      color: var(--navy);
      letter-spacing: -0.01em;
      margin-bottom: 1rem;
    }

    h2.section-title.light { color: var(--ivory); }

    .section-lead {
      color: var(--slate);
      font-size: 0.97rem;
      max-width: 58ch;
    }

    /* ─── NAV ─── */
    nav {
      position: sticky;
      top: 0;
      z-index: 200;
      background: var(--ivory);
      border-bottom: 1px solid var(--ivory-dk);
      padding: 1.1rem 0;
    }

    .nav-inner {
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 0 2rem;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 1.5rem;
    }

    .logo {
      font-family: var(--font-d);
      font-size: 1.5rem;
      font-weight: 600;
      color: var(--navy);
      text-decoration: none;
      letter-spacing: -0.01em;
      flex-shrink: 0;
    }
    .logo span { color: var(--gold); }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 2rem;
      list-style: none;
    }
    .nav-links a {
      font-size: 0.83rem;
      font-weight: 500;
      color: var(--slate);
      text-decoration: none;
      letter-spacing: 0.03em;
      transition: color 0.2s;
    }
    .nav-links a:hover { color: var(--navy); }

    /* ─── BUTTONS ─── */
    .btn {
      display: inline-block;
      font-family: var(--font-b);
      font-size: 0.78rem;
      font-weight: 700;
      letter-spacing: 0.09em;
      text-transform: uppercase;
      text-decoration: none;
      padding: 0.82rem 1.8rem;
      border-radius: 2px;
      border: none;
      cursor: pointer;
      transition: background 0.2s, color 0.2s, transform 0.12s, border-color 0.2s;
    }
    .btn:hover { transform: translateY(-1px); }

    .btn-gold {
      background: var(--gold);
      color: var(--navy);
    }
    .btn-gold:hover { background: var(--gold-lt); }

    .btn-ghost {
      background: transparent;
      color: rgba(250,247,242,0.85);
      border: 1px solid rgba(250,247,242,0.3);
    }
    .btn-ghost:hover {
      background: rgba(255,255,255,0.08);
      border-color: rgba(250,247,242,0.6);
      color: var(--ivory);
    }

    .btn-navy {
      background: var(--navy);
      color: var(--ivory);
    }
    .btn-navy:hover { background: var(--navy-deep); }

    /* ─── HERO ─── */
    .hero {
      background: var(--navy);
      color: var(--ivory);
      padding: 7rem 0 0;
      position: relative;
      overflow: hidden;
    }

    /* Grid texture */
    .hero::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
      background-size: 64px 64px;
      pointer-events: none;
    }

    /* Watermark */
    .hero-wm {
      position: absolute;
      right: -1.5rem;
      bottom: -3rem;
      font-family: var(--font-d);
      font-weight: 600;
      font-size: clamp(180px, 28vw, 380px);
      color: rgba(255,255,255,0.028);
      line-height: 1;
      pointer-events: none;
      user-select: none;
    }

    .hero-inner {
      position: relative;
      z-index: 1;
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 0 2rem;
      display: grid;
      grid-template-columns: 1fr 390px;
      gap: 4rem;
      align-items: center;
      padding-bottom: 5rem;
    }

    .hero-eyebrow {
      font-size: 0.68rem;
      font-weight: 500;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.25rem;
    }

    .hero-hl {
      font-family: var(--font-d);
      font-weight: 600;
      font-size: clamp(3.2rem, 6.5vw, 6rem);
      line-height: 0.93;
      letter-spacing: -0.02em;
      color: var(--ivory);
      margin-bottom: 1.75rem;
    }

    .hero-hl em {
      font-style: italic;
      color: var(--gold);
    }

    .hero-sub {
      color: rgba(250,247,242,0.68);
      font-size: 1rem;
      max-width: 50ch;
      margin-bottom: 2.25rem;
    }

    .hero-ctas {
      display: flex;
      align-items: center;
      gap: 1.25rem;
      flex-wrap: wrap;
    }

    .hero-caveat {
      margin-top: 1.5rem;
      font-size: 0.72rem;
      color: rgba(250,247,242,0.35);
      font-style: italic;
    }

    /* ─── QUALIFIER CARD ─── */
    .q-card {
      background: rgba(255,255,255,0.055);
      border: 1px solid rgba(255,255,255,0.1);
      border-radius: 4px;
      padding: 1.9rem;
    }

    .q-card-title {
      font-family: var(--font-d);
      font-size: 1.5rem;
      color: var(--ivory);
      margin-bottom: 0.3rem;
    }

    .q-card-sub {
      font-size: 0.8rem;
      color: rgba(250,247,242,0.5);
      margin-bottom: 1.4rem;
    }

    .q-select {
      width: 100%;
      padding: 0.65rem 0.9rem;
      background: rgba(255,255,255,0.07);
      border: 1px solid rgba(255,255,255,0.14);
      border-radius: 2px;
      color: var(--ivory);
      font-family: var(--font-b);
      font-size: 0.83rem;
      margin-bottom: 1.1rem;
      appearance: none;
      -webkit-appearance: none;
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(250,247,242,0.4)' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 0.9rem center;
    }
    .q-select option { background: #1D2D5E; color: var(--ivory); }

    .q-checks { display: flex; flex-direction: column; gap: 0.7rem; margin-bottom: 1.2rem; }

    .q-check {
      display: flex;
      align-items: center;
      gap: 0.7rem;
      cursor: pointer;
    }
    .q-check input[type="checkbox"] {
      width: 16px;
      height: 16px;
      accent-color: var(--gold);
      cursor: pointer;
      flex-shrink: 0;
    }
    .q-check span {
      font-size: 0.82rem;
      color: rgba(250,247,242,0.75);
      cursor: pointer;
    }

    .q-result {
      display: none;
      font-size: 0.8rem;
      font-weight: 500;
      padding: 0.7rem 0.9rem;
      border-radius: 2px;
      margin-bottom: 1rem;
    }
    .q-result.pass {
      display: block;
      background: rgba(181,147,58,0.18);
      border: 1px solid rgba(181,147,58,0.38);
      color: #D4AF68;
    }
    .q-result.fail {
      display: block;
      background: rgba(220,80,80,0.14);
      border: 1px solid rgba(220,80,80,0.28);
      color: #e89090;
    }
    .q-result.nurture {
      display: block;
      background: rgba(255,255,255,0.07);
      border: 1px solid rgba(255,255,255,0.14);
      color: rgba(250,247,242,0.62);
    }

    .q-cta {
      width: 100%;
      text-align: center;
      display: block;
    }

    /* ─── HERO TRANSITION ─── */
    .hero-slant {
      display: block;
      width: 100%;
      height: 56px;
      margin-top: -1px;
    }

    /* ─── STATS BAR ─── */
    .stats-bar {
      background: var(--gold);
      padding: 1.75rem 0;
    }

    .stats-inner {
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 0 2rem;
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
    }

    .stat-item {
      text-align: center;
      border-right: 1px solid rgba(29,45,94,0.18);
      padding: 0.25rem 0;
    }
    .stat-item:last-child { border-right: none; }

    .stat-num {
      font-family: var(--font-d);
      font-size: 2.6rem;
      font-weight: 600;
      color: var(--navy);
      line-height: 1;
    }

    .stat-lbl {
      font-size: 0.68rem;
      font-weight: 500;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: rgba(29,45,94,0.7);
      margin-top: 0.2rem;
    }

    /* ─── PRODUCTS ─── */
    .section-products {
      padding: 7rem 0;
      background: var(--ivory);
    }

    .s-header { margin-bottom: 3rem; }

    .products-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
      gap: 1px;
      background: var(--ivory-dk);
      border: 1px solid var(--ivory-dk);
    }

    .p-card {
      background: var(--white);
      padding: 1.6rem 1.5rem 1.6rem 1.65rem;
      border-left: 3px solid transparent;
      transition: border-left-color 0.2s, background 0.2s;
    }
    .p-card:hover {
      border-left-color: var(--gold);
      background: var(--ivory);
    }

    .p-ico  { font-size: 1.25rem; margin-bottom: 0.65rem; line-height: 1; }
    .p-name {
      font-weight: 700;
      font-size: 0.88rem;
      color: var(--navy);
      margin-bottom: 0.35rem;
    }
    .p-range {
      font-family: var(--font-d);
      font-size: 1.05rem;
      font-weight: 600;
      color: var(--gold);
      margin-bottom: 0.7rem;
    }

    .p-tags { display: flex; flex-wrap: wrap; gap: 0.35rem; }
    .p-tag {
      font-size: 0.65rem;
      font-weight: 500;
      letter-spacing: 0.07em;
      text-transform: uppercase;
      color: var(--slate);
      background: var(--ivory-dk);
      padding: 0.18rem 0.5rem;
      border-radius: 2px;
    }

    .products-note {
      margin-top: 1.25rem;
      font-size: 0.76rem;
      color: var(--slate);
      font-style: italic;
    }

    /* ─── PROCESS ─── */
    .section-process {
      background: var(--navy);
      padding: 7rem 0;
      position: relative;
      overflow: hidden;
    }

    .section-process .section-lead { color: rgba(250,247,242,0.55); }

    /* faint lines */
    .section-process::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
      background-size: 64px 64px;
      pointer-events: none;
    }

    .process-steps {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      margin-top: 3.5rem;
      position: relative;
      z-index: 1;
    }

    .process-step {
      padding: 0 2.75rem 0 0;
      border-right: 1px solid rgba(255,255,255,0.08);
    }
    .process-step:last-child { border-right: none; padding-right: 0; padding-left: 2.75rem; }
    .process-step:nth-child(2) { padding-left: 2.75rem; }

    .ps-num {
      font-family: var(--font-d);
      font-size: 4.5rem;
      color: rgba(255,255,255,0.055);
      line-height: 1;
      margin-bottom: 0.4rem;
    }
    .ps-title {
      font-family: var(--font-d);
      font-size: 1.75rem;
      color: var(--ivory);
      margin-bottom: 0.9rem;
    }
    .ps-body {
      font-size: 0.87rem;
      color: rgba(250,247,242,0.58);
      line-height: 1.75;
      max-width: 34ch;
    }
    .ps-time {
      display: inline-block;
      margin-top: 1.25rem;
      font-size: 0.68rem;
      font-weight: 500;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--gold);
      border-top: 1px solid rgba(181,147,58,0.28);
      padding-top: 0.65rem;
    }

    /* ─── VERTICALS ─── */
    .section-verticals {
      padding: 7rem 0;
      background: var(--ivory);
    }

    .verticals-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1.25rem;
      margin-top: 3rem;
    }

    .v-card {
      background: var(--white);
      border: 1px solid var(--ivory-dk);
      border-radius: 3px;
      padding: 1.9rem;
      transition: border-color 0.2s, box-shadow 0.2s;
    }
    .v-card:hover {
      border-color: var(--gold);
      box-shadow: 0 4px 24px rgba(181,147,58,0.07);
    }

    .v-ico  { font-size: 1.65rem; margin-bottom: 0.85rem; }
    .v-name { font-weight: 700; color: var(--navy); margin-bottom: 0.45rem; font-size: 0.93rem; }
    .v-desc { font-size: 0.81rem; color: var(--slate); line-height: 1.65; }

    /* ─── WHY ─── */
    .section-why {
      background: var(--ivory-dk);
      padding: 7rem 0;
    }

    .why-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 4rem;
      align-items: start;
      margin-top: 3.5rem;
    }

    .why-list { display: flex; flex-direction: column; gap: 2rem; }

    .why-item { display: flex; gap: 1.35rem; }
    .why-bar {
      width: 3px;
      min-height: 100%;
      background: var(--gold);
      flex-shrink: 0;
      border-radius: 2px;
    }
    .why-h { font-weight: 700; color: var(--navy); margin-bottom: 0.35rem; font-size: 0.92rem; }
    .why-p { font-size: 0.83rem; color: var(--slate); line-height: 1.7; }

    /* Speed panel */
    .speed-panel {
      background: var(--navy);
      border-radius: 4px;
      padding: 2.25rem 2.25rem;
      color: var(--ivory);
    }

    .speed-title {
      font-family: var(--font-d);
      font-size: 1.5rem;
      margin-bottom: 0.25rem;
    }
    .speed-sub {
      font-size: 0.75rem;
      color: rgba(250,247,242,0.4);
      margin-bottom: 1.75rem;
    }

    .speed-rows { display: flex; flex-direction: column; gap: 0; }
    .speed-row {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 0.75rem 0;
      border-bottom: 1px solid rgba(255,255,255,0.065);
      font-size: 0.82rem;
    }
    .speed-row:last-child { border-bottom: none; }
    .speed-row-name { color: rgba(250,247,242,0.65); }
    .speed-row-time { color: var(--gold); font-weight: 600; font-size: 0.76rem; }

    /* ─── FLOOR CHECK ─── */
    .section-floor {
      background: var(--navy-deep);
      padding: 5rem 0;
    }

    .floor-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 4rem;
      align-items: center;
    }

    .floor-left .section-lead { color: rgba(250,247,242,0.55); }

    .floor-checklist {
      display: flex;
      flex-direction: column;
      gap: 0;
    }

    .floor-item {
      display: flex;
      align-items: flex-start;
      gap: 1rem;
      padding: 1.1rem 0;
      border-bottom: 1px solid rgba(255,255,255,0.065);
    }
    .floor-item:last-child { border-bottom: none; }

    .floor-badge {
      width: 28px;
      height: 28px;
      border-radius: 50%;
      background: rgba(181,147,58,0.18);
      border: 1px solid rgba(181,147,58,0.35);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 0.75rem;
      color: var(--gold);
      flex-shrink: 0;
      margin-top: 0.05rem;
    }

    .floor-text-h { font-size: 0.9rem; font-weight: 600; color: var(--ivory); }
    .floor-text-p { font-size: 0.78rem; color: rgba(250,247,242,0.45); margin-top: 0.15rem; }

    /* ─── CTA ─── */
    .section-cta {
      background: var(--gold);
      padding: 7rem 0;
      text-align: center;
    }

    .section-cta .eyebrow { color: rgba(29,45,94,0.55); }

    .cta-hl {
      font-family: var(--font-d);
      font-weight: 600;
      font-size: clamp(2.2rem, 5vw, 3.8rem);
      color: var(--navy);
      line-height: 1.08;
      margin-bottom: 1.1rem;
      letter-spacing: -0.01em;
    }

    .cta-sub {
      color: rgba(29,45,94,0.65);
      font-size: 0.95rem;
      max-width: 52ch;
      margin: 0 auto 2.25rem;
    }

    .cta-note {
      margin-top: 1rem;
      font-size: 0.75rem;
      color: rgba(29,45,94,0.45);
      font-style: italic;
    }

    /* ─── FOOTER ─── */
    footer {
      background: var(--navy-deep);
      padding: 4.5rem 0 2.5rem;
      color: rgba(250,247,242,0.55);
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 1.6fr 1fr 1fr;
      gap: 3.5rem;
      padding-bottom: 3rem;
      border-bottom: 1px solid rgba(255,255,255,0.07);
      margin-bottom: 2rem;
    }

    .footer-logo {
      font-family: var(--font-d);
      font-size: 1.6rem;
      font-weight: 600;
      color: var(--ivory);
      margin-bottom: 0.9rem;
    }
    .footer-logo span { color: var(--gold); }

    .footer-brand-p {
      font-size: 0.82rem;
      line-height: 1.75;
      max-width: 38ch;
    }

    .footer-col-h {
      font-size: 0.67rem;
      font-weight: 500;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.25rem;
    }

    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.55rem; }
    .footer-col a {
      font-size: 0.82rem;
      color: rgba(250,247,242,0.52);
      text-decoration: none;
      transition: color 0.2s;
    }
    .footer-col a:hover { color: var(--ivory); }

    .footer-contact { font-size: 0.82rem; line-height: 2; }
    .footer-contact a { color: rgba(250,247,242,0.52); text-decoration: none; }
    .footer-contact a:hover { color: var(--ivory); }

    .compliance {
      font-size: 0.7rem;
      color: rgba(250,247,242,0.28);
      line-height: 1.75;
      max-width: 92ch;
      margin-bottom: 1.5rem;
    }
    .compliance strong { color: rgba(250,247,242,0.4); }

    .footer-legal { font-size: 0.7rem; color: rgba(250,247,242,0.2); }

    /* ─── SCROLL REVEAL ─── */
    .reveal {
      opacity: 0;
      transform: translateY(18px);
      transition: opacity 0.55s ease, transform 0.55s ease;
    }
    .reveal.visible {
      opacity: 1;
      transform: translateY(0);
    }

    /* ─── RESPONSIVE ─── */
    @media (max-width: 960px) {
      .hero-inner {
        grid-template-columns: 1fr;
        padding-bottom: 3.5rem;
      }
      .q-card { max-width: 500px; }
      .stats-inner { grid-template-columns: repeat(2, 1fr); }
      .stat-item:nth-child(2) { border-right: none; }
      .stat-item:nth-child(3) { border-right: 1px solid rgba(29,45,94,0.18); }
      .process-steps { grid-template-columns: 1fr; }
      .process-step {
        padding: 2rem 0;
        border-right: none;
        border-bottom: 1px solid rgba(255,255,255,0.08);
      }
      .process-step:first-child { padding-top: 0; }
      .process-step:nth-child(2) { padding-left: 0; }
      .process-step:last-child { border-bottom: none; padding-left: 0; padding-bottom: 0; }
      .verticals-grid { grid-template-columns: repeat(2, 1fr); }
      .why-grid { grid-template-columns: 1fr; gap: 3rem; }
      .floor-inner { grid-template-columns: 1fr; gap: 3rem; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .footer-brand { grid-column: 1 / -1; }
    }

    @media (max-width: 600px) {
      .nav-links { display: none; }
      .stats-inner { grid-template-columns: repeat(2, 1fr); }
      .stat-item:nth-child(3) { border-right: none; }
      .verticals-grid { grid-template-columns: 1fr; }
      .products-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; }
      .hero-ctas { flex-direction: column; align-items: flex-start; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
      }
      .reveal { opacity: 1; transform: none; }
    }
  </style>
</head>
<body>

<!-- ─── NAV ─── -->
<nav>
  <div class="nav-inner">
    <a href="#top" class="logo">Icarus<span>.</span></a>
    <ul class="nav-links">
      <li><a href="#products">Products</a></li>
      <li><a href="#process">How It Works</a></li>
      <li><a href="#verticals">Who We Serve</a></li>
      <li><a href="#contact">Contact</a></li>
    </ul>
    <a href="#assessment" class="btn btn-gold">Free Assessment</a>
  </div>
</nav>

<!-- ─── HERO ─── -->
<section class="hero" id="top">
  <div class="hero-wm" aria-hidden="true">14</div>

  <div class="hero-inner">
    <!-- Left copy -->
    <div>
      <p class="hero-eyebrow">Business Financing Brokerage</p>
      <h1 class="hero-hl">
        Capital for<br>businesses<br><em>built to grow.</em>
      </h1>
      <p class="hero-sub">
        One application. Our lender network. 14 products from $5K to $10M+. We match your business to the right financing and the right lender — and stay in it until you're funded.
      </p>
      <div class="hero-ctas">
        <a href="#assessment" class="btn btn-gold">Start Free Assessment</a>
        <a href="#products" class="btn btn-ghost">See All 14 Products</a>
      </div>
      <p class="hero-caveat">No application fee &nbsp;·&nbsp; No credit impact to see options &nbsp;·&nbsp; We're paid by the lender</p>
    </div>

    <!-- Qualifier card -->
    <div class="q-card">
      <p class="q-card-title">Do you qualify?</p>
      <p class="q-card-sub">Check your eligibility in under a minute.</p>

      <select class="q-select" id="q-state" onchange="runCheck()">
        <option value="">Your state…</option>
        <option value="clear" label="— Clear States —" disabled style="font-weight:700;color:#888"></option>
        <option value="AL">Alabama</option>
        <option value="AK">Alaska</option>
        <option value="AR">Arkansas</option>
        <option value="CO">Colorado</option>
        <option value="CT">Connecticut</option>
        <option value="DC">Washington D.C.</option>
        <option value="DE">Delaware</option>
        <option value="FL">Florida</option>
        <option value="GA">Georgia</option>
        <option value="HI">Hawaii</option>
        <option value="IA">Iowa</option>
        <option value="IL">Illinois</option>
        <option value="IN">Indiana</option>
        <option value="KS">Kansas</option>
        <option value="KY">Kentucky</option>
        <option value="LA">Louisiana</option>
        <option value="MA">Massachusetts</option>
        <option value="MD">Maryland</option>
        <option value="ME">Maine</option>
        <option value="MO">Missouri</option>
        <option value="MS">Mississippi</option>
        <option value="MT">Montana</option>
        <option value="NC">North Carolina</option>
        <option value="NE">Nebraska</option>
        <option value="NH">New Hampshire</option>
        <option value="NM">New Mexico</option>
        <option value="NY">New York</option>
        <option value="OH">Ohio</option>
        <option value="OK">Oklahoma</option>
        <option value="PA">Pennsylvania</option>
        <option value="RI">Rhode Island</option>
        <option value="SC">South Carolina</option>
        <option value="TN">Tennessee</option>
        <option value="TX">Texas</option>
        <option value="WA">Washington</option>
        <option value="WI">Wisconsin</option>
        <option value="WV">West Virginia</option>
        <option value="WY">Wyoming</option>
        <option value="__" disabled style="color:#888">— Not Currently Served —</option>
        <option value="AZ">Arizona</option>
        <option value="CA">California</option>
        <option value="ID">Idaho</option>
        <option value="MI">Michigan</option>
        <option value="MN">Minnesota</option>
        <option value="NV">Nevada</option>
        <option value="NJ">New Jersey</option>
        <option value="ND">North Dakota</option>
        <option value="OR">Oregon</option>
        <option value="SD">South Dakota</option>
        <option value="UT">Utah</option>
        <option value="VA">Virginia</option>
        <option value="VT">Vermont</option>
      </select>

      <div class="q-checks">
        <label class="q-check">
          <input type="checkbox" id="q-months" onchange="runCheck()">
          <span>In business 4+ months</span>
        </label>
        <label class="q-check">
          <input type="checkbox" id="q-deposits" onchange="runCheck()">
          <span>$10,000+ average monthly deposits</span>
        </label>
        <label class="q-check">
          <input type="checkbox" id="q-checking" onchange="runCheck()">
          <span>Active business checking account</span>
        </label>
      </div>

      <div class="q-result" id="q-result"></div>

      <a href="#assessment" class="btn btn-gold q-cta" id="q-cta">
        Start Full Assessment →
      </a>
    </div>
  </div>

  <!-- Slanted transition to gold stats bar -->
  <svg class="hero-slant" viewBox="0 0 1440 56" preserveAspectRatio="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true">
    <polygon points="0,56 1440,0 1440,56" fill="#B5933A"/>
    <polygon points="0,56 0,56 1440,56" fill="#B5933A"/>
  </svg>
</section>

<!-- ─── STATS BAR ─── -->
<div class="stats-bar">
  <div class="stats-inner">
    <div class="stat-item">
      <div class="stat-num">14</div>
      <div class="stat-lbl">Financing Products</div>
    </div>
    <div class="stat-item">
      <div class="stat-num">$5K</div>
      <div class="stat-lbl">Minimum Deal Size</div>
    </div>
    <div class="stat-item">
      <div class="stat-num">24 hr</div>
      <div class="stat-lbl">Fastest Funding</div>
    </div>
    <div class="stat-item">
      <div class="stat-num">$10M+</div>
      <div class="stat-lbl">Maximum Deal Size</div>
    </div>
  </div>
</div>

<!-- ─── PRODUCTS ─── -->
<section class="section-products" id="products">
  <div class="container">
    <div class="s-header reveal">
      <span class="eyebrow">Our Financing Solutions</span>
      <h2 class="section-title">14 products. One application.</h2>
      <p class="section-lead">We match your profile to the right product — and the right lender. No wrong doors, no wasted applications.</p>
    </div>

    <div class="products-grid">

      <div class="p-card reveal">
        <div class="p-ico">⚡</div>
        <div class="p-name">Working Capital</div>
        <div class="p-range">$5K – $500K</div>
        <div class="p-tags">
          <span class="p-tag">No FICO Min</span>
          <span class="p-tag">4+ Mo TIB</span>
          <span class="p-tag">Same-Day</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">💼</div>
        <div class="p-name">Small Business Loan</div>
        <div class="p-range">Up to $500K</div>
        <div class="p-tags">
          <span class="p-tag">No FICO Min</span>
          <span class="p-tag">4+ Mo TIB</span>
          <span class="p-tag">24–72 Hr</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🔄</div>
        <div class="p-name">Business Line of Credit</div>
        <div class="p-range">Up to $500K</div>
        <div class="p-tags">
          <span class="p-tag">600+ FICO</span>
          <span class="p-tag">6+ Mo TIB</span>
          <span class="p-tag">Revolving</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">📈</div>
        <div class="p-name">Term Loan</div>
        <div class="p-range">$25K – $5M+</div>
        <div class="p-tags">
          <span class="p-tag">660+ FICO</span>
          <span class="p-tag">2+ Yr TIB</span>
          <span class="p-tag">3–7 Days</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🏛</div>
        <div class="p-name">SBA Loan (7a / 504)</div>
        <div class="p-range">Up to $5M+</div>
        <div class="p-tags">
          <span class="p-tag">675+ FICO</span>
          <span class="p-tag">2+ Yr TIB</span>
          <span class="p-tag">Lowest Payments</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🔧</div>
        <div class="p-name">Equipment Financing</div>
        <div class="p-range">Up to $5M</div>
        <div class="p-tags">
          <span class="p-tag">580+ FICO</span>
          <span class="p-tag">No TIB Min</span>
          <span class="p-tag">24–48 Hr</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🏢</div>
        <div class="p-name">Commercial Real Estate</div>
        <div class="p-range">Up to $10M+</div>
        <div class="p-tags">
          <span class="p-tag">650+ FICO</span>
          <span class="p-tag">Property Docs</span>
          <span class="p-tag">2–4 Weeks</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">📋</div>
        <div class="p-name">Accounts Receivable</div>
        <div class="p-range">Up to 90% of Invoices</div>
        <div class="p-tags">
          <span class="p-tag">No FICO Min</span>
          <span class="p-tag">B2B Invoices</span>
          <span class="p-tag">24–48 Hr</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🏠</div>
        <div class="p-name">Fix &amp; Flip</div>
        <div class="p-range">Project-Based</div>
        <div class="p-tags">
          <span class="p-tag">680+ FICO</span>
          <span class="p-tag">Prior Exp.</span>
          <span class="p-tag">3–10 Days</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🏪</div>
        <div class="p-name">Franchise Financing</div>
        <div class="p-range">New or Existing Units</div>
        <div class="p-tags">
          <span class="p-tag">6+ Mo TIB</span>
          <span class="p-tag">FDD Required</span>
          <span class="p-tag">3–7 Days</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🏘</div>
        <div class="p-name">DSCR / Rental Investment</div>
        <div class="p-range">1–4 Unit Properties</div>
        <div class="p-tags">
          <span class="p-tag">650+ FICO</span>
          <span class="p-tag">Cash Flow Qualifies</span>
          <span class="p-tag">1–3 Weeks</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">📦</div>
        <div class="p-name">Purchase Order Financing</div>
        <div class="p-range">Confirmed POs</div>
        <div class="p-tags">
          <span class="p-tag">Confirmed PO</span>
          <span class="p-tag">Supplier Needed</span>
          <span class="p-tag">3–7 Days</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🌉</div>
        <div class="p-name">Bridge Loan</div>
        <div class="p-range">Short-Term Gap</div>
        <div class="p-tags">
          <span class="p-tag">Asset Backed</span>
          <span class="p-tag">Clear Exit Required</span>
          <span class="p-tag">3–10 Days</span>
        </div>
      </div>

      <div class="p-card reveal">
        <div class="p-ico">🌿</div>
        <div class="p-name">Cannabis Financing</div>
        <div class="p-range">Licensed Operators</div>
        <div class="p-tags">
          <span class="p-tag">State-Legal Only</span>
          <span class="p-tag">License Required</span>
          <span class="p-tag">Varies</span>
        </div>
      </div>

    </div>

    <p class="products-note">TIB = Time in Business. Qualifications vary by lender. Approval determined by lender, not Icarus Consulting. Not all products available in all states.</p>
  </div>
</section>

<!-- ─── HOW IT WORKS ─── -->
<section class="section-process" id="process">
  <div class="container">
    <div class="s-header reveal">
      <span class="eyebrow" style="color:var(--gold)">The Process</span>
      <h2 class="section-title light">From application to funded — faster than your bank.</h2>
      <p class="section-lead">We've removed every friction point that slows down traditional lending.</p>
    </div>

    <div class="process-steps">
      <div class="process-step reveal">
        <div class="ps-num">01</div>
        <h3 class="ps-title">Qualify &amp; Match</h3>
        <p class="ps-body">Complete a one-page eligibility assessment. We identify which of our 14 products fits your profile and match you to the right lender — no guesswork, no wrong doors.</p>
        <span class="ps-time">Takes 5 minutes</span>
      </div>
      <div class="process-step reveal">
        <div class="ps-num">02</div>
        <h3 class="ps-title">Submit &amp; Review</h3>
        <p class="ps-body">Sign an engagement agreement, submit 4 months of bank statements, and we build your package. We submit to lenders and manage underwriting — you run your business while we do the work.</p>
        <span class="ps-time">24–48 hours to decision</span>
      </div>
      <div class="process-step reveal">
        <div class="ps-num">03</div>
        <h3 class="ps-title">Review &amp; Fund</h3>
        <p class="ps-body">When a term sheet arrives, we walk you through it on a call — not just forward it. When you sign, funding typically hits your account within 24–48 hours of approval.</p>
        <span class="ps-time">Funded in as little as 24 hours</span>
      </div>
    </div>
  </div>
</section>

<!-- ─── VERTICALS ─── -->
<section class="section-verticals" id="verticals">
  <div class="container">
    <div class="s-header reveal">
      <span class="eyebrow">Industries We Serve</span>
      <h2 class="section-title">If you run it, we can finance it.</h2>
      <p class="section-lead">We work across industries. Our job is connecting fast-moving businesses with capital that keeps up.</p>
    </div>

    <div class="verticals-grid">
      <div class="v-card reveal">
        <div class="v-ico">🔩</div>
        <div class="v-name">Contractors &amp; Trades</div>
        <div class="v-desc">HVAC, plumbing, electrical, roofing. Equipment financing, working capital, and A/R financing for the gap between finishing a job and getting paid.</div>
      </div>
      <div class="v-card reveal">
        <div class="v-ico">🚛</div>
        <div class="v-name">Transportation &amp; Logistics</div>
        <div class="v-desc">Fleet expansion, fuel costs, emergency repairs. Equipment financing and working capital that moves as fast as your trucks.</div>
      </div>
      <div class="v-card reveal">
        <div class="v-ico">🏥</div>
        <div class="v-name">Healthcare Practices</div>
        <div class="v-desc">Equipment upgrades, reimbursement gaps, expansion. Term loans, SBA, and A/R financing for medical and dental practices.</div>
      </div>
      <div class="v-card reveal">
        <div class="v-ico">🍽</div>
        <div class="v-name">Restaurants &amp; Food Service</div>
        <div class="v-desc">Inventory, staffing, equipment, seasonal ramp-ups. Working capital funded in as little as 24 hours.</div>
      </div>
      <div class="v-card reveal">
        <div class="v-ico">🏗</div>
        <div class="v-name">Commercial Real Estate</div>
        <div class="v-desc">Buy, refinance, or cash out on commercial properties. CRE loans, bridge loans, fix &amp; flip, and DSCR investment financing.</div>
      </div>
      <div class="v-card reveal">
        <div class="v-ico">🏬</div>
        <div class="v-name">Retail &amp; E-Commerce</div>
        <div class="v-desc">Seasonal inventory, expansion, ad scaling. Working capital, lines of credit, and purchase order financing for product businesses.</div>
      </div>
    </div>
  </div>
</section>

<!-- ─── WHY ICARUS ─── -->
<section class="section-why">
  <div class="container">
    <div class="s-header reveal">
      <span class="eyebrow">Why Icarus</span>
      <h2 class="section-title">A broker who works for you — and is paid by the lender.</h2>
    </div>

    <div class="why-grid">
      <div class="why-list">
        <div class="why-item reveal">
          <div class="why-bar"></div>
          <div>
            <div class="why-h">Zero cost to you</div>
            <p class="why-p">Icarus earns a broker fee from the lender on funded deals. There's no cost to apply, and no fee for seeing your options.</p>
          </div>
        </div>
        <div class="why-item reveal">
          <div class="why-bar"></div>
          <div>
            <div class="why-h">One application, our entire network</div>
            <p class="why-p">Your profile goes to the right lenders simultaneously. You get competitive terms without applying everywhere yourself.</p>
          </div>
        </div>
        <div class="why-item reveal">
          <div class="why-bar"></div>
          <div>
            <div class="why-h">We tell you the truth</div>
            <p class="why-p">We won't push you into a product that doesn't fit or promise an approval we can't guarantee. If you don't qualify, we'll tell you why — and what would change that.</p>
          </div>
        </div>
        <div class="why-item reveal">
          <div class="why-bar"></div>
          <div>
            <div class="why-h">We stay in it until you're funded</div>
            <p class="why-p">We manage underwriting, chase missing docs, and walk you through every term sheet on a call. Your job is to run your business — ours is to close your deal.</p>
          </div>
        </div>
      </div>

      <div class="speed-panel reveal">
        <div class="speed-title">Funding speed by product</div>
        <div class="speed-sub">Typical time from approval to funds in account</div>
        <div class="speed-rows">
          <div class="speed-row">
            <span class="speed-row-name">Working Capital</span>
            <span class="speed-row-time">Same-day – 48 hrs</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">Business Line of Credit</span>
            <span class="speed-row-time">Same-day</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">Equipment Financing</span>
            <span class="speed-row-time">24 – 48 hrs</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">A/R Financing</span>
            <span class="speed-row-time">24 – 48 hrs</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">Term Loan</span>
            <span class="speed-row-time">3 – 7 days</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">Commercial Real Estate</span>
            <span class="speed-row-time">2 – 4 weeks</span>
          </div>
          <div class="speed-row">
            <span class="speed-row-name">SBA Loan (7a / 504)</span>
            <span class="speed-row-time">2 – 6 weeks</span>
          </div>
        </div>
      </div>
    </div>
  </div>
</section>

<!-- ─── QUALIFICATION FLOOR ─── -->
<section class="section-floor">
  <div class="container">
    <div class="floor-inner">
      <div class="floor-left reveal">
        <span class="eyebrow" style="color:var(--gold)">Minimum Qualifications</span>
        <h2 class="section-title light">Most programs start here.</h2>
        <p class="section-lead">These are the baseline requirements that unlock the majority of our product portfolio. Many programs have lower bars — check your eligibility and we'll tell you exactly what fits.</p>
        <br>
        <a href="#assessment" class="btn btn-gold" style="margin-top:0.5rem">Check My Eligibility →</a>
      </div>

      <div class="floor-checklist reveal">
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">U.S.-based business entity</div>
            <div class="floor-text-p">Active business with a legal U.S. presence</div>
          </div>
        </div>
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">Active business checking account</div>
            <div class="floor-text-p">Separate from personal — required to fund</div>
          </div>
        </div>
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">4+ months in business</div>
            <div class="floor-text-p">Equipment financing has no minimum; SBA requires 2+ years</div>
          </div>
        </div>
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">$10,000+ average monthly deposits</div>
            <div class="floor-text-p">Based on the last 4 months of bank statements</div>
          </div>
        </div>
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">Owner or authorized signer</div>
            <div class="floor-text-p">Must be able to sign an engagement agreement</div>
          </div>
        </div>
        <div class="floor-item">
          <div class="floor-badge">✓</div>
          <div>
            <div class="floor-text-h">Clear-state location</div>
            <div class="floor-text-p">We currently broker financing in 38 states + DC</div>
          </div>
        </div>
      </div>
    </div>
  </div>
</section>

<!-- ─── FINAL CTA ─── -->
<section class="section-cta" id="assessment">
  <div class="container">
    <span class="eyebrow">Get Started</span>
    <h2 class="cta-hl">Find out what your<br>business qualifies for.</h2>
    <p class="cta-sub">Free eligibility assessment. No credit impact. No commitment. We'll match you to the right product and the right lender — and tell you exactly what you'd need to move forward.</p>
    <a href="mailto:kyle.bitterfield@icarus.business?subject=Icarus Consulting — Free Assessment Request" class="btn btn-navy">Start Free Assessment</a>
    <p class="cta-note">Or reach us directly: kyle.bitterfield@icarus.business &nbsp;·&nbsp; icarus.business</p>
  </div>
</section>

<!-- ─── FOOTER ─── -->
<footer id="contact">
  <div class="container">
    <div class="footer-grid">
      <div class="footer-brand">
        <div class="footer-logo">Icarus<span>.</span></div>
        <p class="footer-brand-p">Icarus Consulting places commercial financing for U.S. business owners across our lender network — 14 products, $5K to $10M+. We work for you; we're paid by the lender.</p>
      </div>
      <div class="footer-col">
        <div class="footer-col-h">Products</div>
        <ul>
          <li><a href="#products">Working Capital</a></li>
          <li><a href="#products">Equipment Financing</a></li>
          <li><a href="#products">Business Line of Credit</a></li>
          <li><a href="#products">Term Loans</a></li>
          <li><a href="#products">SBA Loans</a></li>
          <li><a href="#products">Commercial Real Estate</a></li>
          <li><a href="#products">All 14 Products ↑</a></li>
        </ul>
      </div>
      <div class="footer-col">
        <div class="footer-col-h">Company</div>
        <div class="footer-contact">
          <div><a href="https://icarus.business" target="_blank" rel="noopener">icarus.business</a></div>
          <div><a href="mailto:kyle.bitterfield@icarus.business">kyle.bitterfield@icarus.business</a></div>
          <br>
          <div style="color:rgba(250,247,242,0.3);font-size:0.75rem;">Kyle Bitterfield, Principal<br>Huntsville, Alabama</div>
        </div>
      </div>
    </div>

    <p class="compliance">
      <strong>Broker Disclosure:</strong> Icarus Consulting is a commercial financing broker, not a lender. All financing is arranged through independent third-party lenders in our network. Approval, rates, terms, and funding amounts are determined solely by the lender based on the applicant's credit profile and other underwriting criteria. Icarus Consulting earns a broker fee paid by the lender at funding. Nothing on this website constitutes an offer, commitment, or guarantee of financing. Actual rates and terms vary by product, lender, and applicant. Not all products or programs are available in all states. Icarus Consulting does not solicit or broker financing in AZ, CA, ID, MI (except equipment financing), MN, NV, NJ, ND, OR, SD, UT, VA, or VT. Icarus Consulting is not affiliated with the U.S. Small Business Administration or any government agency. No credit check is performed without your explicit authorization.
    </p>
    <p class="footer-legal">© 2026 Icarus Consulting / BlueEyedBreaks LLC &nbsp;·&nbsp; All rights reserved &nbsp;·&nbsp; CAN-SPAM: To opt out of email communications, reply STOP or email kyle.bitterfield@icarus.business</p>
  </div>
</footer>

<script>
  // ─── Restricted-state list ───
  const RESTRICTED = new Set(['AZ','CA','ID','MI','MN','NV','NJ','ND','OR','SD','UT','VA','VT']);

  function runCheck() {
    const state    = document.getElementById('q-state').value;
    const months   = document.getElementById('q-months').checked;
    const deposits = document.getElementById('q-deposits').checked;
    const checking = document.getElementById('q-checking').checked;
    const result   = document.getElementById('q-result');
    const cta      = document.getElementById('q-cta');

    if (!state || state === '__' || state === 'clear') {
      result.className = 'q-result';
      result.textContent = '';
      cta.style.opacity = '1';
      cta.style.pointerEvents = 'auto';
      return;
    }

    if (RESTRICTED.has(state)) {
      result.className = 'q-result fail';
      result.textContent = "We don't currently broker financing in your state. We'll reach out if that changes.";
      cta.style.opacity = '0.45';
      cta.style.pointerEvents = 'none';
      return;
    }

    // Clear state — check floor
    cta.style.opacity = '1';
    cta.style.pointerEvents = 'auto';

    const all3 = months && deposits && checking;
    const any  = months || deposits || checking;

    if (all3) {
      result.className = 'q-result pass';
      result.textContent = '✓ You likely qualify. Start your free assessment to get matched to the right product.';
    } else if (any) {
      result.className = 'q-result nurture';
      result.textContent = 'You may qualify for some products now. Complete the full assessment — we\'ll tell you exactly what fits.';
    } else {
      result.className = 'q-result';
      result.textContent = '';
    }
  }

  // ─── Scroll reveal ───
  const io = new IntersectionObserver((entries) => {
    entries.forEach(entry => {
      if (entry.isIntersecting) {
        entry.target.classList.add('visible');
        io.unobserve(entry.target);
      }
    });
  }, { threshold: 0.08, rootMargin: '0px 0px -40px 0px' });

  document.querySelectorAll('.reveal').forEach(el => io.observe(el));
</script>
</body>
</html>