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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta name="viewport" content="width=device-width, initial-scale=1.0" />
<title>DeltaPoint — The Agentic Credit-to-Yield Engine</title>
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</head>
<body>
<!-- ═══ NAV ═══ -->
<nav class="nav-blur fixed top-0 left-0 right-0 z-50 px-6 lg:px-10 py-4">
<div class="max-w-7xl mx-auto flex items-center justify-between">
<a href="#" class="flex items-center gap-3">
<div class="w-9 h-9 rounded-xl bg-dp-blue flex items-center justify-center" style="box-shadow:0 0 14px rgba(30,102,220,0.55);">
<svg width="20" height="20" viewBox="0 0 22 22" fill="none"><path d="M11 2L20 6.5V11C20 15.9 16.3 20.3 11 21.5C5.7 20.3 2 15.9 2 11V6.5L11 2Z" fill="rgba(255,255,255,0.12)" stroke="white" stroke-width="1.6"/><path d="M7.5 11l3 3L15 8" stroke="white" stroke-width="2.2" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<span class="font-head font-bold text-white text-[17px]" style="letter-spacing:-0.03em;">Delta<span class="text-dp-bright">Point</span></span>
</a>
<div class="hidden md:flex items-center gap-7 text-sm font-medium" style="color:#7A8EA8;">
<a href="#delta-slider" class="hover:text-white transition-colors duration-150">Delta Slider</a>
<a href="#underwriter" class="hover:text-white transition-colors duration-150">Underwriter</a>
<a href="#vault" class="hover:text-white transition-colors duration-150">Identity Vault</a>
<a href="#plans" class="hover:text-white transition-colors duration-150">Plans</a>
</div>
<div class="flex items-center gap-3">
<a href="#" class="hidden md:block text-sm font-medium hover:text-white transition-colors" style="color:#7A8EA8;">Log in</a>
<a href="#" class="btn-blue text-white text-sm font-semibold px-5 py-2.5 rounded-xl">Get Started Free</a>
</div>
</div>
</nav>
<!-- ═══ HERO ═══ -->
<section class="relative min-h-screen flex items-center pt-28 pb-16 overflow-hidden grid-bg">
<div class="orb w-[700px] h-[700px] bg-dp-blue/18 top-[-180px] left-[-220px]"></div>
<div class="orb w-[500px] h-[500px] bg-[#0A2E7A]/22 top-[300px] right-[-150px]"></div>
<div class="orb w-[300px] h-[300px] bg-good/8 bottom-0 left-[45%]"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10 w-full">
<div class="grid lg:grid-cols-[1fr_480px] gap-10 items-center">
<div class="anim-fadein max-w-[600px]">
<div class="inline-flex items-center gap-2 mb-7 px-4 py-1.5 rounded-full text-xs font-semibold border" style="color:#6BA4FF;border-color:rgba(30,102,220,0.3);background:rgba(30,102,220,0.08);">
<span class="w-1.5 h-1.5 rounded-full bg-good anim-blink"></span>
The Agentic Credit-to-Yield Engine
</div>
<h1 class="hero-title text-white mb-6">
Bridge the gap between<br/><span class="text-grad">credit health</span><br/>and cost of capital.
</h1>
<p class="text-[#7A8EA8] text-lg leading-[1.72] mb-9 max-w-[490px]">
DeltaPoint maps your real-time credit data against a universal Market Rate adapter, calculates your exact <strong class="text-dp-bright">Interest Delta</strong>, and provides an agentic roadmap to unlock lower APRs across any lender.
</p>
<!-- Inline metric -->
<div class="flex items-center gap-5 mb-10 p-5 glass rounded-2xl shadow-card max-w-[420px]">
<div class="relative w-20 h-20 shrink-0">
<svg class="w-full h-full -rotate-90" viewBox="0 0 90 90">
<circle cx="45" cy="45" r="38" fill="none" stroke="rgba(255,255,255,0.06)" stroke-width="8"/>
<circle cx="45" cy="45" r="38" fill="none" stroke="#00C48C" stroke-width="8" stroke-linecap="round" stroke-dasharray="238" stroke-dashoffset="72"/>
</svg>
<div class="absolute inset-0 flex flex-col items-center justify-center">
<span class="text-xl font-bold text-white font-head" style="letter-spacing:-0.04em;">714</span>
<span class="text-[9px] text-muted">Good</span>
</div>
</div>
<div>
<div class="text-sm font-semibold text-white mb-0.5">Interest Delta identified</div>
<div class="text-xs text-muted leading-relaxed mb-2.5">Score 714 → 735 saves <span class="text-warn line-through">$3,100</span> → <span class="text-good font-semibold">$1,850 total interest</span></div>
<div class="inline-flex items-center gap-1.5 score-badge px-2.5 py-1 rounded-full text-[10px] font-semibold text-good">
<svg width="10" height="10" viewBox="0 0 10 10" fill="none"><path d="M5 1v8M2 4l3-3 3 3" stroke="#00C48C" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/></svg>
Delta: $1,250 saved
</div>
</div>
</div>
<div class="flex flex-wrap gap-4 mb-10">
<a href="#delta-slider" class="btn-blue text-white font-semibold text-sm px-8 py-4 rounded-xl flex items-center gap-2">
Calculate My Delta
<svg width="16" height="16" viewBox="0 0 16 16" fill="none"><path d="M3 8h10M9 4l4 4-4 4" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</a>
<a href="#underwriter" class="btn-ghost text-[#E4EEF9] font-medium text-sm px-8 py-4 rounded-xl flex items-center gap-2">
<svg width="16" height="16" viewBox="0 0 16 16" fill="none"><circle cx="8" cy="8" r="7" stroke="currentColor" stroke-width="1.4"/><path d="M6.5 5.5l4 2.5-4 2.5V5.5Z" fill="currentColor"/></svg>
See the Agents
</a>
</div>
<div class="flex flex-wrap items-center gap-5 text-xs" style="color:#4A5E74;">
<span class="flex items-center gap-1.5"><svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M6 1L11 3.5V6C11 8.75 8.75 11.1 6 11.75C3.25 11.1 1 8.75 1 6V3.5L6 1Z" stroke="#00C48C" stroke-width="1.3"/><path d="M4 6l1.5 1.5L8 4.5" stroke="#00C48C" stroke-width="1.3" stroke-linecap="round" stroke-linejoin="round"/></svg>No hard credit pull</span>
<span style="color:#1E3048;">•</span>
<span>LangGraph orchestration</span>
<span style="color:#1E3048;">•</span>
<span>Gemini 1.5 Pro powered</span>
<span style="color:#1E3048;">•</span>
<span>MCP protocol</span>
</div>
</div>
<!-- Phone mockups -->
<div class="relative flex justify-center items-center h-[600px]">
<!-- Back phone -->
<div class="phone shadow-phone w-[210px] h-[440px] absolute" style="right:10px;bottom:20px;transform:rotate(5deg) translateX(30px);z-index:1;opacity:0.65;">
<div class="phone-notch"></div>
<div class="pt-9 px-4 pb-4 h-full flex flex-col">
<div class="text-center mb-3">
<p class="text-[9px]" style="color:#4A5E74;">Underwriter Agent</p>
<p class="text-xs font-semibold text-white mt-0.5">Risk Grade: <span class="text-dp-bright">B+</span></p>
</div>
<div class="rounded-xl p-2.5 mb-2 text-[8px]" style="background:rgba(30,102,220,0.12);border:1px solid rgba(30,102,220,0.25);">
<div class="flex justify-between mb-1"><span style="color:#4A5E74;">DTI Ratio</span><span class="text-white font-medium">28.4%</span></div>
<div class="flex justify-between mb-1"><span style="color:#4A5E74;">Util. Rate</span><span class="text-warn font-medium">71%</span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">Score Band</span><span class="text-dp-bright font-medium">720-739</span></div>
</div>
<div class="relative h-1.5 rounded-full mb-4 mt-1" style="background:rgba(255,255,255,0.08);">
<div class="absolute left-0 top-0 h-full rounded-full" style="width:68%;background:linear-gradient(90deg,#F25454,#F7A23B,#00C48C);"></div>
<div class="absolute top-1/2 -translate-y-1/2 w-3.5 h-3.5 rounded-full bg-dp-blue border-2 border-white" style="left:66%;box-shadow:0 0 8px rgba(30,102,220,0.8);"></div>
</div>
<div class="flex justify-between text-[8px] mb-3" style="color:#4A5E74;">
<div class="text-center"><div class="text-white font-bold text-[10px]">D</div><div>24.9%</div></div>
<div class="text-center"><div class="text-warn font-bold text-[10px]">C</div><div>18.9%</div></div>
<div class="text-center"><div class="text-dp-bright font-bold text-[10px]">B+</div><div>9.9%</div></div>
<div class="text-center"><div class="text-good font-bold text-[10px]">A</div><div>6.5%</div></div>
</div>
<div class="rounded-xl p-2 text-[8px]" style="background:rgba(0,196,140,0.08);border:1px solid rgba(0,196,140,0.2);">
<span class="text-good">↑ Reduce util to 30% → Grade A-</span>
</div>
<button class="w-full text-white text-[9px] font-semibold py-2 rounded-xl mt-auto btn-blue">Run Agent</button>
</div>
</div>
<!-- Main phone -->
<div class="phone shadow-phone anim-float w-[250px] h-[520px] anim-glow relative z-10">
<div class="phone-notch"></div>
<div class="pt-9 px-5 pb-5 h-full flex flex-col gap-3">
<div class="flex justify-between items-center">
<div><p class="text-[9px]" style="color:#4A5E74;">Welcome back</p><p class="text-sm font-bold text-white font-head" style="letter-spacing:-0.02em;">Sarah K.</p></div>
<div class="w-8 h-8 rounded-full flex items-center justify-center text-xs font-bold" style="background:rgba(30,102,220,0.2);border:1px solid rgba(30,102,220,0.4);color:#3D84FF;">SK</div>
</div>
<div class="flex flex-col items-center py-1">
<div class="relative w-[110px] h-[110px]">
<div style="background:conic-gradient(#F25454 0deg 55deg,#F7A23B 55deg 120deg,#00C48C 120deg 240deg,rgba(255,255,255,0.06) 240deg 360deg);" class="w-full h-full rounded-full p-2">
<div class="w-full h-full rounded-full flex flex-col items-center justify-center" style="background:#091826;">
<span class="text-[28px] font-bold text-white font-head" style="letter-spacing:-0.04em;">714</span>
<span class="text-[8px]" style="color:#4A5E74;">Credit Score</span>
</div>
</div>
</div>
</div>
<div style="background:rgba(255,255,255,0.03);border:1px solid rgba(255,255,255,0.06);" class="rounded-xl p-3">
<div class="flex justify-between items-center mb-1"><span class="text-[9px]" style="color:#4A5E74;">Interest Delta</span><span class="text-[9px] text-good font-semibold">-$1,250</span></div>
<div class="text-[10px] text-white font-mono">APR: 12.5% → <span class="text-good">9.9%</span></div>
<div class="text-[8px] mt-0.5" style="color:#4A5E74;">Score target: 735 (+21 pts)</div>
</div>
<div style="background:rgba(0,196,140,0.07);border:1px solid rgba(0,196,140,0.22);" class="rounded-xl p-3">
<p class="text-[9px] font-semibold text-good mb-1">Coach Agent Alert</p>
<p class="text-[8px] text-white">Chase util spike: 71% → Pay <span class="text-warn font-semibold">$1,600</span> now</p>
<p class="text-[8px] text-good mt-0.5">Expected: +21 pts in 30 days</p>
</div>
<div style="background:rgba(30,102,220,0.1);border:1px solid rgba(30,102,220,0.22);" class="rounded-xl p-3">
<div class="flex justify-between items-center">
<div><p class="text-[8px]" style="color:#4A5E74;">Market Rate Adapter</p><p class="text-[10px] font-semibold text-white">Prime + 6.5% spread</p><p class="text-[8px] text-dp-bright">Fed rate: 5.25%</p></div>
<div class="text-right"><p class="text-[9px] text-good font-bold">Live</p><p class="text-[7px]" style="color:#4A5E74;">GraphRAG sync</p></div>
</div>
</div>
</div>
</div>
<!-- Floating badges -->
<div class="glass absolute top-14 left-0 rounded-2xl px-4 py-3 shadow-card border border-white/8 anim-float2 z-20">
<div class="flex items-center gap-2.5">
<div class="w-8 h-8 rounded-lg flex items-center justify-center" style="background:rgba(0,196,140,0.15);">
<svg width="16" height="16" viewBox="0 0 16 16" fill="none"><path d="M8 2v12M4 6l4-4 4 4" stroke="#00C48C" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-[11px] font-semibold text-white">Delta: $1,250</p><p class="text-[10px] text-good">12.5% → 9.9% APR</p></div>
</div>
</div>
<div class="glass absolute bottom-20 left-[-15px] rounded-2xl px-4 py-3 shadow-card border border-white/8 z-20">
<div class="flex items-center gap-2.5">
<div class="w-8 h-8 rounded-lg flex items-center justify-center" style="background:rgba(30,102,220,0.15);">
<span class="text-xs font-bold font-mono" style="color:#3D84FF;">B+</span>
</div>
<div><p class="text-[11px] font-semibold text-white">Grade upgraded</p><p class="text-[10px]" style="color:#4A5E74;">Underwriter Agent ✓</p></div>
</div>
</div>
</div>
</div>
</div>
</section>
<!-- ═══ LIVE MARKET TICKER ═══ -->
<div class="divider py-3 overflow-hidden" style="background:rgba(5,17,31,0.8);">
<div class="ticker-wrap">
<div class="ticker-inner text-xs font-mono" style="color:#4A5E74;">
<!-- Duplicated for seamless loop -->
<span>Fed Funds Rate: <span class="text-dp-bright">5.25%</span></span>
<span>Prime Rate: <span class="text-dp-bright">8.50%</span></span>
<span>10Y Treasury: <span class="text-good">4.61%</span></span>
<span>30Y Fixed Avg: <span class="text-warn">7.09%</span></span>
<span>Personal Loan Avg: <span class="text-warn">12.49%</span></span>
<span>Auto Loan 60mo: <span class="text-dp-bright">7.78%</span></span>
<span>SOFR: <span class="text-good">5.31%</span></span>
<span>CPI YoY: <span class="text-warn">3.2%</span></span>
<!-- duplicate -->
<span>Fed Funds Rate: <span class="text-dp-bright">5.25%</span></span>
<span>Prime Rate: <span class="text-dp-bright">8.50%</span></span>
<span>10Y Treasury: <span class="text-good">4.61%</span></span>
<span>30Y Fixed Avg: <span class="text-warn">7.09%</span></span>
<span>Personal Loan Avg: <span class="text-warn">12.49%</span></span>
<span>Auto Loan 60mo: <span class="text-dp-bright">7.78%</span></span>
<span>SOFR: <span class="text-good">5.31%</span></span>
<span>CPI YoY: <span class="text-warn">3.2%</span></span>
</div>
</div>
</div>
<!-- ═══ DELTA SLIDER ═══ -->
<section id="delta-slider" class="py-28 relative overflow-hidden">
<div class="orb w-[600px] h-[600px] bg-dp-blue/12 top-1/2 left-1/2 -translate-x-1/2 -translate-y-1/2"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="text-center max-w-2xl mx-auto mb-14 reveal">
<div class="inline-flex items-center gap-2 mb-5 px-3 py-1.5 rounded-full text-xs font-semibold border" style="color:#6BA4FF;border-color:rgba(30,102,220,0.3);background:rgba(30,102,220,0.08);">
The Delta Slider · Live Amortization Engine
</div>
<h2 class="section-title text-white mb-4">Visualize your <span class="text-grad-blue">Interest Delta</span></h2>
<p style="color:#7A8EA8;" class="leading-relaxed">Move the slider to see exactly how each credit score improvement translates to monthly payment reduction using the standard amortization formula.</p>
</div>
<div class="glass rounded-3xl p-8 lg:p-12 shadow-dp reveal">
<!-- Formula display -->
<div class="flex items-center justify-center gap-3 mb-10 flex-wrap">
<div class="glass rounded-xl px-5 py-3 font-mono text-sm" style="color:#6BA4FF;border-color:rgba(30,102,220,0.25);">
M = P · r(1+r)ⁿ / ((1+r)ⁿ − 1)
</div>
<div class="text-xs" style="color:#4A5E74;">where r = APR÷12, n = term months</div>
</div>
<!-- Loan controls -->
<div class="grid sm:grid-cols-2 gap-4 mb-10">
<div class="glass rounded-xl p-4">
<label class="text-xs font-semibold uppercase tracking-wider mb-2 block" style="color:#4A5E74;">Loan Principal (P)</label>
<div class="flex items-center gap-3">
<span class="text-dp-bright font-mono font-medium">$</span>
<input id="principal" type="number" value="25000" min="5000" max="100000" step="1000"
class="bg-transparent text-white font-mono text-xl font-semibold flex-1 outline-none border-b border-dp-blue/40 pb-1"
style="letter-spacing:-0.03em;" oninput="updateDelta()"/>
</div>
</div>
<div class="glass rounded-xl p-4">
<label class="text-xs font-semibold uppercase tracking-wider mb-2 block" style="color:#4A5E74;">Loan Term (n)</label>
<div class="flex gap-2">
<button onclick="setTerm(24)" id="term-24" class="flex-1 py-2 rounded-lg text-xs font-semibold btn-ghost transition-all" style="color:#7A8EA8;">24 mo</button>
<button onclick="setTerm(36)" id="term-36" class="flex-1 py-2 rounded-lg text-xs font-semibold btn-ghost transition-all" style="color:#7A8EA8;">36 mo</button>
<button onclick="setTerm(48)" id="term-48" class="flex-1 py-2 rounded-lg text-xs font-semibold btn-ghost transition-all" style="color:#7A8EA8;">48 mo</button>
<button onclick="setTerm(60)" id="term-60" class="flex-1 py-2 rounded-lg text-xs font-semibold transition-all" style="background:rgba(30,102,220,0.2);border:1px solid rgba(30,102,220,0.4);color:#6BA4FF;">60 mo</button>
</div>
</div>
</div>
<!-- Main slider area -->
<div class="mb-10">
<div class="flex justify-between items-center mb-4">
<div>
<span class="text-xs font-semibold uppercase tracking-wider" style="color:#4A5E74;">Credit Score</span>
<div class="flex items-center gap-3 mt-1">
<span id="slider-score" class="text-4xl font-bold text-white font-head" style="letter-spacing:-0.05em;">714</span>
<span id="slider-grade" class="text-sm font-semibold px-2.5 py-1 rounded-lg border grade-B" style="">B</span>
<span id="slider-label" class="text-sm" style="color:#7A8EA8;">Good</span>
</div>
</div>
<div class="text-right">
<span class="text-xs font-semibold uppercase tracking-wider" style="color:#4A5E74;">APR (r × 12)</span>
<div class="text-4xl font-bold font-mono mt-1" id="slider-apr" style="letter-spacing:-0.03em;color:#F7A23B;">12.49%</div>
</div>
</div>
<!-- Gradient track -->
<div class="relative mb-2">
<div class="h-3 rounded-full" style="background:linear-gradient(90deg,#F25454 0%,#F7A23B 35%,#3D84FF 60%,#00C48C 100%);"></div>
<input type="range" id="score-slider" class="delta-slider absolute inset-0 opacity-0 cursor-pointer" min="500" max="800" value="714" oninput="updateDelta()"/>
<!-- Thumb overlay -->
<div id="thumb-overlay" class="absolute top-1/2 -translate-y-1/2 w-6 h-6 rounded-full pointer-events-none" style="background:linear-gradient(135deg,#3D84FF,#1E66DC);border:2px solid white;box-shadow:0 0 0 4px rgba(30,102,220,0.3),0 0 16px rgba(30,102,220,0.6);left:calc(71.3% - 12px);transition:left .05s;"></div>
</div>
<div class="flex justify-between text-[10px] font-mono" style="color:#4A5E74;">
<span>500 · Poor</span><span>580 · Fair</span><span>670 · Good</span><span>740 · Very Good</span><span>800 · Exceptional</span>
</div>
</div>
<!-- Output cards -->
<div class="grid sm:grid-cols-2 lg:grid-cols-4 gap-4 mb-8">
<div class="glass rounded-2xl p-5 text-center shadow-card">
<div class="text-xs font-semibold uppercase tracking-wider mb-2" style="color:#4A5E74;">Monthly (M)</div>
<div id="monthly-payment" class="text-3xl font-bold text-white font-head" style="letter-spacing:-0.04em;">$555</div>
<div class="text-[10px] mt-1" style="color:#4A5E74;">per month</div>
</div>
<div class="glass rounded-2xl p-5 text-center shadow-card">
<div class="text-xs font-semibold uppercase tracking-wider mb-2" style="color:#4A5E74;">Total Interest</div>
<div id="total-interest" class="text-3xl font-bold text-warn font-head" style="letter-spacing:-0.04em;">$8,300</div>
<div class="text-[10px] mt-1" style="color:#4A5E74;">over loan term</div>
</div>
<div class="glass rounded-2xl p-5 text-center shadow-card" style="border-color:rgba(0,196,140,0.2);">
<div class="text-xs font-semibold uppercase tracking-wider mb-2" style="color:#4A5E74;">Best Rate (760+)</div>
<div id="best-monthly" class="text-3xl font-bold text-good font-head" style="letter-spacing:-0.04em;">$480</div>
<div class="text-[10px] mt-1 text-good">@ 6.49% APR</div>
</div>
<div class="rounded-2xl p-5 text-center shadow-dp" style="background:linear-gradient(135deg,rgba(0,196,140,0.12),rgba(0,196,140,0.04));border:1px solid rgba(0,196,140,0.3);">
<div class="text-xs font-semibold uppercase tracking-wider mb-2 text-good">Your Delta (Δ)</div>
<div id="interest-delta" class="text-3xl font-bold text-good font-head" style="letter-spacing:-0.04em;">$4,500</div>
<div class="text-[10px] mt-1 text-good">interest saved at 760+</div>
</div>
</div>
<!-- Score tier table -->
<div class="glass rounded-2xl overflow-hidden">
<div class="px-5 py-3 border-b" style="border-color:rgba(255,255,255,0.05);">
<span class="text-xs font-semibold uppercase tracking-wider" style="color:#4A5E74;">Market Rate Adapter · Score → APR Tiers</span>
</div>
<div class="overflow-x-auto">
<table class="w-full text-xs font-mono">
<thead>
<tr style="border-bottom:1px solid rgba(255,255,255,0.05);">
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">Score Range</th>
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">Grade</th>
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">APR</th>
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">Monthly ($25k/60mo)</th>
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">Total Interest</th>
<th class="px-5 py-2.5 text-left font-semibold" style="color:#4A5E74;">Delta vs. Poor</th>
</tr>
</thead>
<tbody id="tier-table">
<!-- filled by JS -->
</tbody>
</table>
</div>
</div>
</div>
</div>
</section>
<!-- ═══ UNDERWRITER AGENT ═══ -->
<section id="underwriter" class="py-28 divider relative overflow-hidden">
<div class="orb w-[400px] h-[400px] bg-dp-blue/10 top-0 right-[-100px]"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="grid lg:grid-cols-2 gap-16 items-start">
<!-- Left: Copy -->
<div class="reveal">
<div class="inline-flex items-center gap-2 mb-5 px-3 py-1.5 rounded-full text-xs font-semibold border" style="color:#6BA4FF;border-color:rgba(30,102,220,0.3);background:rgba(30,102,220,0.08);">
Agent 1 · LangGraph Node
</div>
<h2 class="section-title text-white mb-4">The <span class="text-grad-blue">Underwriter</span> Agent</h2>
<p style="color:#7A8EA8;" class="leading-relaxed mb-8">A deterministic LangGraph node that ingests real-time credit inputs, applies pluggable market rate cards, and outputs a risk grade with a precise interest tier — no hallucinations, no guesswork.</p>
<div class="space-y-4 mb-8">
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(30,102,220,0.15);border:1px solid rgba(30,102,220,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#3D84FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Deterministic risk grading (A+ → D)</p><p class="text-xs" style="color:#7A8EA8;">Grade computed from DTI, utilization, payment history, inquiries, and credit age using fixed formula weights.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(30,102,220,0.15);border:1px solid rgba(30,102,220,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#3D84FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Pluggable market rate cards</p><p class="text-xs" style="color:#7A8EA8;">Swap in any lender's rate sheet via JSON. The agent re-runs and outputs the optimal APR tier per provider.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(30,102,220,0.15);border:1px solid rgba(30,102,220,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#3D84FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Stateful LangGraph cycles</p><p class="text-xs" style="color:#7A8EA8;">The agent re-evaluates on every credit change event, maintaining state across utilization spikes and score shifts.</p></div>
</div>
</div>
</div>
<!-- Right: Live agent panel -->
<div class="reveal">
<div class="glass rounded-2xl overflow-hidden shadow-dp">
<!-- Agent header -->
<div class="px-5 py-4 flex items-center justify-between" style="background:rgba(30,102,220,0.08);border-bottom:1px solid rgba(30,102,220,0.15);">
<div class="flex items-center gap-3">
<div class="w-2 h-2 rounded-full bg-good anim-blink"></div>
<span class="text-xs font-mono font-semibold text-white">underwriter_agent.py</span>
</div>
<div class="flex items-center gap-2">
<span class="text-[10px] font-mono px-2 py-0.5 rounded" style="background:rgba(0,196,140,0.15);color:#00C48C;">RUNNING</span>
<span class="text-[10px]" style="color:#4A5E74;">LangGraph v0.1</span>
</div>
</div>
<!-- Mock credit inputs -->
<div class="p-5 space-y-3">
<p class="text-[10px] font-semibold uppercase tracking-wider mb-3" style="color:#4A5E74;">Credit Inputs (Mock Profile: Sarah K.)</p>
<!-- Inputs grid -->
<div class="grid grid-cols-2 gap-2">
<div class="glass rounded-xl p-3">
<div class="text-[9px] mb-1" style="color:#4A5E74;">FICO Score</div>
<input id="uw-score" type="number" value="714" min="300" max="850" oninput="runUnderwriter()"
class="bg-transparent text-white font-mono text-lg font-bold w-full outline-none" style="letter-spacing:-0.03em;"/>
</div>
<div class="glass rounded-xl p-3">
<div class="text-[9px] mb-1" style="color:#4A5E74;">DTI Ratio (%)</div>
<input id="uw-dti" type="number" value="28" min="5" max="60" step="1" oninput="runUnderwriter()"
class="bg-transparent text-white font-mono text-lg font-bold w-full outline-none" style="letter-spacing:-0.03em;"/>
</div>
<div class="glass rounded-xl p-3">
<div class="text-[9px] mb-1" style="color:#4A5E74;">Utilization (%)</div>
<input id="uw-util" type="number" value="71" min="0" max="100" step="1" oninput="runUnderwriter()"
class="bg-transparent text-white font-mono text-lg font-bold w-full outline-none" style="letter-spacing:-0.03em;"/>
</div>
<div class="glass rounded-xl p-3">
<div class="text-[9px] mb-1" style="color:#4A5E74;">Hard Inquiries</div>
<input id="uw-inq" type="number" value="2" min="0" max="20" step="1" oninput="runUnderwriter()"
class="bg-transparent text-white font-mono text-lg font-bold w-full outline-none" style="letter-spacing:-0.03em;"/>
</div>
</div>
<!-- Agent output -->
<div class="rounded-xl p-4 mt-2" style="background:rgba(5,17,31,0.8);border:1px solid rgba(30,102,220,0.18);">
<div class="flex items-center gap-2 mb-3">
<div class="w-1.5 h-1.5 rounded-full bg-dp-bright anim-blink"></div>
<span class="text-[10px] font-mono" style="color:#4A5E74;">agent.output</span>
</div>
<div class="space-y-2 font-mono text-xs">
<div class="flex justify-between items-center">
<span style="color:#4A5E74;">risk_grade</span>
<span id="uw-grade" class="font-bold px-2 py-0.5 rounded border grade-B">B</span>
</div>
<div class="flex justify-between">
<span style="color:#4A5E74;">interest_tier</span>
<span id="uw-tier" class="text-warn font-semibold">12.49%</span>
</div>
<div class="flex justify-between">
<span style="color:#4A5E74;">approval_prob</span>
<span id="uw-prob" class="text-good font-semibold">84.2%</span>
</div>
<div class="flex justify-between">
<span style="color:#4A5E74;">score_to_upgrade</span>
<span id="uw-upgrade" class="text-dp-bright font-semibold">+21 pts → B+</span>
</div>
<div class="flex justify-between">
<span style="color:#4A5E74;">delta_saved</span>
<span id="uw-delta" class="text-good font-semibold">$1,250</span>
</div>
<div class="border-t mt-2 pt-2" style="border-color:rgba(255,255,255,0.06);">
<span style="color:#4A5E74;">action</span>
<p id="uw-action" class="text-good mt-1 text-[10px] leading-relaxed">Reduce Chase utilization to 30% → unlocks B+ tier → APR drops to 9.99%</p>
</div>
</div>
</div>
<!-- Lender comparison -->
<div>
<p class="text-[10px] font-semibold uppercase tracking-wider mb-2" style="color:#4A5E74;">Market Rate Adapter · Multi-Lender Output</p>
<div class="space-y-1.5">
<div class="flex justify-between items-center glass rounded-lg px-3 py-2">
<span class="text-xs text-white">Personal Loan Co.</span>
<div class="flex items-center gap-2"><div class="h-1 w-16 rounded-full overflow-hidden" style="background:rgba(255,255,255,0.08);"><div class="h-full rounded-full bg-warn" style="width:75%;"></div></div><span id="lend-1" class="text-xs font-mono text-warn w-12 text-right">12.49%</span></div>
</div>
<div class="flex justify-between items-center glass rounded-lg px-3 py-2">
<span class="text-xs text-white">CreditUnion Direct</span>
<div class="flex items-center gap-2"><div class="h-1 w-16 rounded-full overflow-hidden" style="background:rgba(255,255,255,0.08);"><div class="h-full rounded-full" style="width:60%;background:#3D84FF;"></div></div><span class="text-xs font-mono text-dp-bright w-12 text-right">9.90%</span></div>
</div>
<div class="flex justify-between items-center glass rounded-lg px-3 py-2">
<span class="text-xs text-white">Fintech Lender X</span>
<div class="flex items-center gap-2"><div class="h-1 w-16 rounded-full overflow-hidden" style="background:rgba(255,255,255,0.08);"><div class="h-full rounded-full bg-good" style="width:48%;"></div></div><span class="text-xs font-mono text-good w-12 text-right">8.24%</span></div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</section>
<!-- ═══ COACH AGENT ═══ -->
<section class="py-28 divider relative overflow-hidden">
<div class="orb w-[400px] h-[400px] bg-good/8 bottom-0 left-[-100px]"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="grid lg:grid-cols-2 gap-16 items-start">
<!-- Left: Live Coach panel -->
<div class="reveal order-2 lg:order-1">
<div class="glass rounded-2xl overflow-hidden shadow-card">
<!-- Header -->
<div class="px-5 py-4 flex items-center justify-between" style="background:rgba(0,196,140,0.06);border-bottom:1px solid rgba(0,196,140,0.15);">
<div class="flex items-center gap-3">
<div class="w-2 h-2 rounded-full bg-good anim-blink"></div>
<span class="text-xs font-mono font-semibold text-white">coach_agent.py · Gemini 1.5 Pro</span>
</div>
<span class="text-[10px] font-mono px-2 py-0.5 rounded" style="background:rgba(0,196,140,0.15);color:#00C48C;">MONITORING</span>
</div>
<!-- Utilization spike alert -->
<div class="p-5">
<p class="text-[10px] font-semibold uppercase tracking-wider mb-3" style="color:#4A5E74;">Proactive Alerts · Last 24h</p>
<!-- Alert 1 -->
<div class="rounded-xl p-4 mb-3" style="background:rgba(242,84,84,0.07);border:1px solid rgba(242,84,84,0.25);">
<div class="flex items-start justify-between mb-2">
<div class="flex items-center gap-2">
<div class="w-1.5 h-1.5 rounded-full bg-bad anim-blink"></div>
<span class="text-xs font-semibold text-bad">UTILIZATION SPIKE DETECTED</span>
</div>
<span class="text-[9px] font-mono" style="color:#4A5E74;">2h ago</span>
</div>
<p class="text-xs text-white mb-2">Chase Sapphire: <span class="text-bad font-mono">71%</span> utilization — triggers score penalty of <span class="text-bad font-semibold">-18 pts</span></p>
<div class="glass rounded-lg p-2.5">
<p class="text-[10px] font-semibold text-good mb-1">Coach Recommendation (Balance-to-Rate Arbitrage):</p>
<p class="text-[10px]" style="color:#A8BDD4;">Pay <span class="text-warn font-mono font-semibold">$1,600</span> on Chase now → util drops to <span class="text-good font-semibold">28%</span> → score recovers <span class="text-good font-semibold">+18 pts</span> → APR tier improves from 12.49% to 9.99% → saves <span class="text-good font-semibold">$1,250</span></p>
</div>
</div>
<!-- Alert 2 -->
<div class="rounded-xl p-4 mb-3" style="background:rgba(247,162,59,0.07);border:1px solid rgba(247,162,59,0.2);">
<div class="flex items-start justify-between mb-2">
<div class="flex items-center gap-2">
<div class="w-1.5 h-1.5 rounded-full bg-warn"></div>
<span class="text-xs font-semibold text-warn">RATE ARBITRAGE OPPORTUNITY</span>
</div>
<span class="text-[9px] font-mono" style="color:#4A5E74;">6h ago</span>
</div>
<p class="text-xs text-white mb-2">Fed rate hold announced — personal loan spreads narrowing by <span class="text-warn font-mono">0.25%</span> at Fintech Lender X</p>
<div class="glass rounded-lg p-2.5">
<p class="text-[10px]" style="color:#A8BDD4;">Refinance window open for 14 days. At current Grade B+: lock <span class="text-good font-semibold">8.24% APR</span> vs. market avg <span class="text-bad font-mono">12.49%</span>. Net delta: <span class="text-good font-semibold">$2,100 saved</span></p>
</div>
</div>
<!-- Chat interface -->
<div class="glass rounded-xl overflow-hidden">
<div class="px-4 py-3 border-b" style="border-color:rgba(255,255,255,0.06);">
<span class="text-[10px] font-mono" style="color:#4A5E74;">Delta AI Chat · Gemini 1.5 Pro + GraphRAG</span>
</div>
<div class="p-4 space-y-3 max-h-48 overflow-y-auto" id="coach-chat">
<div class="flex gap-2 items-start">
<div class="w-6 h-6 rounded-full flex items-center justify-center shrink-0 mt-0.5" style="background:rgba(0,196,140,0.2);"><span class="text-[8px] font-bold text-good">DP</span></div>
<div class="rounded-lg rounded-tl-none px-3 py-2 text-[10px] text-white flex-1" style="background:rgba(255,255,255,0.04);">Your Chase utilization hit 71% — I've flagged a balance-to-rate arbitrage. Pay $1,600 today to recover 18 pts and drop to the 9.99% tier. Want me to model the full amortization?</div>
</div>
<div class="flex gap-2 items-start justify-end">
<div class="rounded-lg rounded-tr-none px-3 py-2 text-[10px] text-white" style="background:rgba(30,102,220,0.2);border:1px solid rgba(30,102,220,0.25);">Yes — show me the numbers</div>
</div>
<div class="flex gap-2 items-start">
<div class="w-6 h-6 rounded-full flex items-center justify-center shrink-0 mt-0.5" style="background:rgba(0,196,140,0.2);"><span class="text-[8px] font-bold text-good">DP</span></div>
<div class="rounded-lg rounded-tl-none px-3 py-2 text-[10px] flex-1" style="background:rgba(0,196,140,0.08);border:1px solid rgba(0,196,140,0.2);">
<span class="text-good font-semibold">$25k / 60mo:</span><br/>
<span style="color:#A8BDD4;">Current (12.49%): <span class="text-bad">$564/mo · $8,822 interest</span></span><br/>
<span style="color:#A8BDD4;">After (9.99%): <span class="text-good">$530/mo · $6,820 interest</span></span><br/>
<span class="text-good font-semibold">→ Delta: $2,002 saved 💰</span>
</div>
</div>
</div>
<div class="px-4 pb-4 pt-2 flex gap-2">
<input id="coach-input" type="text" placeholder="Ask the Coach Agent anything..." class="flex-1 bg-transparent text-xs text-white outline-none px-3 py-2 rounded-lg" style="border:1px solid rgba(255,255,255,0.1);" onkeydown="if(event.key==='Enter')sendCoachMessage()"/>
<button onclick="sendCoachMessage()" class="btn-blue text-white text-xs font-semibold px-3 py-2 rounded-lg">Send</button>
</div>
</div>
</div>
</div>
</div>
<!-- Right: Copy -->
<div class="reveal order-1 lg:order-2">
<div class="inline-flex items-center gap-2 mb-5 px-3 py-1.5 rounded-full text-xs font-semibold border" style="color:#00C48C;border-color:rgba(0,196,140,0.3);background:rgba(0,196,140,0.08);">
Agent 2 · Gemini 1.5 Pro + GraphRAG
</div>
<h2 class="section-title text-white mb-4">The <span class="text-grad-green">Coach</span> Agent</h2>
<p style="color:#7A8EA8;" class="leading-relaxed mb-8">A proactive LLM layer that monitors your credit utilization in real-time and surfaces Balance-to-Rate arbitrage maneuvers — telling you exactly which payment, made today, yields the largest APR reduction.</p>
<div class="space-y-4">
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(0,196,140,0.15);border:1px solid rgba(0,196,140,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#00C48C" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Utilization spike detection</p><p class="text-xs" style="color:#7A8EA8;">Monitors every balance change and fires alerts when utilization crosses score-penalty thresholds.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(0,196,140,0.15);border:1px solid rgba(0,196,140,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#00C48C" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">GraphRAG macro awareness</p><p class="text-xs" style="color:#7A8EA8;">LlamaIndex indexes global interest rate trends — the coach adjusts its target rate recommendations when Fed policy shifts.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(0,196,140,0.15);border:1px solid rgba(0,196,140,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#00C48C" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">MCP protocol bridge</p><p class="text-xs" style="color:#7A8EA8;">Connects the LLM to your local financial data, CSVs, and private calculation tools via the Model Context Protocol.</p></div>
</div>
</div>
</div>
</div>
</div>
</section>
<!-- ═══ IDENTITY VAULT ═══ -->
<section id="vault" class="py-28 divider relative overflow-hidden">
<div class="orb w-[500px] h-[500px] bg-[#8B5CF6]/10 top-1/2 right-[-150px] -translate-y-1/2"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="grid lg:grid-cols-2 gap-16 items-start">
<!-- Copy -->
<div class="reveal">
<div class="inline-flex items-center gap-2 mb-5 px-3 py-1.5 rounded-full text-xs font-semibold border" style="color:#B464FF;border-color:rgba(180,100,255,0.3);background:rgba(180,100,255,0.08);">
Multimodal · Gemini 1.5 Flash Vision
</div>
<h2 class="section-title text-white mb-4">The Identity <span class="text-grad-gold">Vault</span></h2>
<p style="color:#7A8EA8;" class="leading-relaxed mb-8">Gemini 1.5 Flash parses W2s, pay stubs, and tax returns in seconds using native multimodal vision. Agentic OCR workflows verify income and identity in real-time — reducing Time-to-Verification by <strong class="text-white">80%</strong>.</p>
<div class="space-y-4 mb-8">
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(180,100,255,0.15);border:1px solid rgba(180,100,255,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#B464FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Vision-to-data extraction</p><p class="text-xs" style="color:#7A8EA8;">Upload any W2, pay stub, or tax return image. Gemini Flash extracts structured income, employment, and deduction data.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(180,100,255,0.15);border:1px solid rgba(180,100,255,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#B464FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">Agentic verification loop</p><p class="text-xs" style="color:#7A8EA8;">Cross-references extracted data against credit bureau records. Flags mismatches and requests re-upload automatically.</p></div>
</div>
<div class="flex items-start gap-3">
<div class="w-6 h-6 rounded-lg flex items-center justify-center mt-0.5 shrink-0" style="background:rgba(180,100,255,0.15);border:1px solid rgba(180,100,255,0.3);">
<svg width="12" height="12" viewBox="0 0 12 12" fill="none"><path d="M2 6l2.5 2.5L10 4" stroke="#B464FF" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><p class="text-sm text-white font-medium mb-0.5">80% faster time-to-verification</p><p class="text-xs" style="color:#7A8EA8;">What takes manual underwriting 3-5 days completes in under 60 seconds via the multimodal pipeline.</p></div>
</div>
</div>
<!-- Stats -->
<div class="grid grid-cols-3 gap-3">
<div class="glass rounded-xl p-4 text-center shadow-card">
<div class="text-2xl font-bold text-white font-head" style="letter-spacing:-0.04em;">80%</div>
<div class="text-[10px] mt-1" style="color:#4A5E74;">faster verification</div>
</div>
<div class="glass rounded-xl p-4 text-center shadow-card">
<div class="text-2xl font-bold text-white font-head" style="letter-spacing:-0.04em;"><60s</div>
<div class="text-[10px] mt-1" style="color:#4A5E74;">parse time</div>
</div>
<div class="glass rounded-xl p-4 text-center shadow-card">
<div class="text-2xl font-bold text-white font-head" style="letter-spacing:-0.04em;">3 docs</div>
<div class="text-[10px] mt-1" style="color:#4A5E74;">W2, stub, return</div>
</div>
</div>
</div>
<!-- Right: Vault UI mock -->
<div class="reveal">
<div class="glass rounded-2xl overflow-hidden shadow-card">
<!-- Header -->
<div class="px-5 py-4 flex items-center justify-between" style="background:rgba(180,100,255,0.06);border-bottom:1px solid rgba(180,100,255,0.15);">
<div class="flex items-center gap-3">
<div class="w-2 h-2 rounded-full anim-blink" style="background:#B464FF;"></div>
<span class="text-xs font-mono font-semibold text-white">identity_vault.py · Gemini 1.5 Flash</span>
</div>
<span class="text-[10px] font-mono px-2 py-0.5 rounded" style="background:rgba(180,100,255,0.15);color:#B464FF;">VERIFIED</span>
</div>
<div class="p-5 space-y-4">
<!-- Document upload area -->
<div>
<p class="text-[10px] font-semibold uppercase tracking-wider mb-3" style="color:#4A5E74;">Document Queue</p>
<div class="space-y-2">
<!-- Doc 1: processed -->
<div class="flex items-center gap-3 glass rounded-xl p-3">
<div class="w-8 h-8 rounded-lg flex items-center justify-center shrink-0" style="background:rgba(0,196,140,0.15);border:1px solid rgba(0,196,140,0.3);">
<svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M3 2h6l3 3v7a1 1 0 0 1-1 1H3a1 1 0 0 1-1-1V3a1 1 0 0 1 1-1Z" stroke="#00C48C" stroke-width="1.3"/><path d="M9 2v3h3M4.5 8l1.5 1.5L9 6" stroke="#00C48C" stroke-width="1.3" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div class="flex-1 min-w-0">
<div class="text-xs font-medium text-white">W2_2023_Sarah_K.pdf</div>
<div class="text-[9px] text-good">Parsed · Income: $94,200 · Employer: Verified</div>
</div>
<span class="text-[9px] font-mono text-good shrink-0">✓ 4.2s</span>
</div>
<!-- Doc 2: processing -->
<div class="flex items-center gap-3 glass rounded-xl p-3 relative overflow-hidden" id="doc-2">
<div class="w-8 h-8 rounded-lg flex items-center justify-center shrink-0" style="background:rgba(247,162,59,0.12);border:1px solid rgba(247,162,59,0.3);">
<svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M3 2h6l3 3v7a1 1 0 0 1-1 1H3a1 1 0 0 1-1-1V3a1 1 0 0 1 1-1Z" stroke="#F7A23B" stroke-width="1.3"/><path d="M9 2v3h3" stroke="#F7A23B" stroke-width="1.3"/><line x1="5" y1="8" x2="9" y2="8" stroke="#F7A23B" stroke-width="1.3" stroke-linecap="round"/></svg>
</div>
<div class="flex-1 min-w-0">
<div class="text-xs font-medium text-white">PayStub_Dec_2023.jpg</div>
<div class="text-[9px] text-warn">Scanning with Gemini Flash Vision...</div>
<div class="h-1 rounded-full mt-1.5 overflow-hidden" style="background:rgba(255,255,255,0.08);"><div class="h-full rounded-full bg-warn" id="scan-progress" style="width:0%;transition:width 0.1s linear;"></div></div>
</div>
<span class="text-[9px] font-mono text-warn shrink-0 anim-blink">OCR</span>
<!-- Scan line overlay -->
<div class="scan-line" style="background:linear-gradient(90deg,transparent,rgba(247,162,59,0.4),transparent);"></div>
</div>
<!-- Doc 3: queued -->
<div class="flex items-center gap-3 glass rounded-xl p-3" style="opacity:0.45;">
<div class="w-8 h-8 rounded-lg flex items-center justify-center shrink-0" style="background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.1);">
<svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M3 2h6l3 3v7a1 1 0 0 1-1 1H3a1 1 0 0 1-1-1V3a1 1 0 0 1 1-1Z" stroke="#4A5E74" stroke-width="1.3"/><path d="M9 2v3h3" stroke="#4A5E74" stroke-width="1.3"/></svg>
</div>
<div class="flex-1"><div class="text-xs font-medium text-white">1040_TaxReturn_2023.pdf</div><div class="text-[9px]" style="color:#4A5E74;">Queued</div></div>
<span class="text-[9px] font-mono" style="color:#4A5E74;">Pending</span>
</div>
</div>
</div>
<!-- Extracted data output -->
<div>
<p class="text-[10px] font-semibold uppercase tracking-wider mb-3" style="color:#4A5E74;">Extracted Identity Data</p>
<div class="rounded-xl p-4 font-mono text-xs space-y-2" style="background:rgba(5,17,31,0.8);border:1px solid rgba(180,100,255,0.18);">
<div class="flex justify-between"><span style="color:#4A5E74;">gross_income</span><span class="text-good">$94,200 / yr</span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">monthly_income</span><span class="text-white">$7,850</span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">employer</span><span class="text-white">Acme Corp <span class="text-good">✓ verified</span></span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">employment_type</span><span class="text-white">W-2 Full-Time</span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">dti_ratio</span><span class="text-warn">28.4% <span style="color:#4A5E74;">(acceptable)</span></span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">identity_match</span><span class="text-good">98.7% confidence</span></div>
<div class="flex justify-between"><span style="color:#4A5E74;">parse_time</span><span style="color:#B464FF;">4.2s (Gemini Flash)</span></div>
<div class="border-t pt-2 mt-1" style="border-color:rgba(255,255,255,0.06);">
<span style="color:#4A5E74;">vault_status</span>
<span class="ml-4" style="color:#B464FF;">VERIFIED ·</span>
<span class="text-good"> Ready for underwriting</span>
</div>
</div>
</div>
<!-- Drop zone -->
<div onclick="triggerMockUpload()" class="border-2 border-dashed rounded-xl p-6 text-center cursor-pointer transition-all hover:border-opacity-60" style="border-color:rgba(180,100,255,0.3);" id="drop-zone">
<svg width="24" height="24" viewBox="0 0 24 24" fill="none" class="mx-auto mb-2" style="color:#B464FF;"><path d="M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/><polyline points="17 8 12 3 7 8" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/><line x1="12" y1="3" x2="12" y2="15" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"/></svg>
<p class="text-xs font-medium" style="color:#B464FF;" id="drop-label">Drop W2, pay stub, or tax return</p>
<p class="text-[10px] mt-1" style="color:#4A5E74;">PDF or image · Parsed by Gemini 1.5 Flash</p>
</div>
</div>
</div>
</div>
</div>
</div>
</section>
<!-- ═══ FEATURES OVERVIEW ═══ -->
<section id="features" class="py-28 divider relative overflow-hidden">
<div class="orb w-[450px] h-[450px] bg-dp-blue/9 top-1/2 left-1/2 -translate-x-1/2 -translate-y-1/2"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="text-center max-w-2xl mx-auto mb-14 reveal">
<h2 class="section-title text-white mb-4">The complete <span class="text-grad-blue">vibe stack</span></h2>
<p style="color:#7A8EA8;" class="leading-relaxed">Four interconnected layers — orchestration, intelligence, identity, and UI — all working as a single agentic system.</p>
</div>
<div class="grid md:grid-cols-2 gap-5">
<div class="glass glass-hover rounded-2xl p-7 shadow-card reveal">
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<svg width="20" height="20" viewBox="0 0 20 20" fill="none"><circle cx="10" cy="4" r="2" stroke="#3D84FF" stroke-width="1.6"/><circle cx="4" cy="14" r="2" stroke="#3D84FF" stroke-width="1.6"/><circle cx="16" cy="14" r="2" stroke="#3D84FF" stroke-width="1.6"/><path d="M10 6v4M10 10l-4 2M10 10l4 2" stroke="#3D84FF" stroke-width="1.4" stroke-linecap="round"/></svg>
</div>
<div><h3 class="text-base font-semibold text-white font-head">Agentic Orchestration</h3><p class="text-[10px] mt-0.5" style="color:#4A5E74;">LangGraph · Stateful cyclic workflows</p></div>
</div>
<p class="text-sm leading-relaxed" style="color:#7A8EA8;">The Underwriter Agent (deterministic) and Coach Agent (LLM) run as LangGraph nodes — stateful, cyclical, and re-evaluating on every credit event.</p>
</div>
<div class="glass glass-hover rounded-2xl p-7 shadow-card reveal">
<div class="flex items-center gap-4 mb-4">
<div class="w-11 h-11 rounded-xl flex items-center justify-center shrink-0" style="background:linear-gradient(135deg,rgba(0,196,140,0.2),rgba(0,196,140,0.05));border:1px solid rgba(0,196,140,0.28);">
<svg width="20" height="20" viewBox="0 0 20 20" fill="none"><path d="M10 2a8 8 0 1 0 0 16A8 8 0 0 0 10 2Z" stroke="#00C48C" stroke-width="1.6"/><path d="M6 10h4l2-4 2 8 2-4h2" stroke="#00C48C" stroke-width="1.4" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><h3 class="text-base font-semibold text-white font-head">Intelligence & GraphRAG</h3><p class="text-[10px] mt-0.5" style="color:#4A5E74;">Gemini 1.5 Pro · LlamaIndex · MCP</p></div>
</div>
<p class="text-sm leading-relaxed" style="color:#7A8EA8;">Gemini 1.5 Pro analyzes financial documents. LlamaIndex GraphRAG indexes global rate trends. MCP bridges the LLM to local data and private calculation tools.</p>
</div>
<div class="glass glass-hover rounded-2xl p-7 shadow-card reveal">
<div class="flex items-center gap-4 mb-4">
<div class="w-11 h-11 rounded-xl flex items-center justify-center shrink-0" style="background:linear-gradient(135deg,rgba(180,100,255,0.2),rgba(180,100,255,0.05));border:1px solid rgba(180,100,255,0.28);">
<svg width="20" height="20" viewBox="0 0 20 20" fill="none"><rect x="3" y="3" width="14" height="14" rx="2" stroke="#B464FF" stroke-width="1.6"/><path d="M7 10l2 2 4-4" stroke="#B464FF" stroke-width="1.6" stroke-linecap="round" stroke-linejoin="round"/></svg>
</div>
<div><h3 class="text-base font-semibold text-white font-head">Identity Vault</h3><p class="text-[10px] mt-0.5" style="color:#4A5E74;">Gemini 1.5 Flash · Agentic OCR</p></div>
</div>
<p class="text-sm leading-relaxed" style="color:#7A8EA8;">Multimodal vision parses W2s, pay stubs, and tax returns in under 60 seconds. Agentic verification loop cross-references bureau data — 80% faster than manual underwriting.</p>
</div>
<div class="glass glass-hover rounded-2xl p-7 shadow-card reveal">
<div class="flex items-center gap-4 mb-4">
<div class="w-11 h-11 rounded-xl flex items-center justify-center shrink-0" style="background:linear-gradient(135deg,rgba(247,162,59,0.2),rgba(247,162,59,0.05));border:1px solid rgba(247,162,59,0.28);">
<svg width="20" height="20" viewBox="0 0 20 20" fill="none"><path d="M3 17V7l7-5 7 5v10" stroke="#F7A23B" stroke-width="1.6" stroke-linecap="round" stroke-linejoin="round"/><rect x="7" y="11" width="6" height="6" rx="1" stroke="#F7A23B" stroke-width="1.4"/></svg>
</div>
<div><h3 class="text-base font-semibold text-white font-head">Deterministic UI</h3><p class="text-[10px] mt-0.5" style="color:#4A5E74;">React 19 · Tailwind · Framer Motion</p></div>
</div>
<p class="text-sm leading-relaxed" style="color:#7A8EA8;">The Delta Slider visualizes the amortization formula M = P·r(1+r)ⁿ/((1+r)ⁿ−1) in real-time, showing the exact dollar cost of every credit score point.</p>
</div>
</div>
</div>
</section>
<!-- ═══ PRICING ═══ -->
<section id="plans" class="py-28 divider relative overflow-hidden">
<div class="orb w-[500px] h-[500px] bg-dp-blue/12 top-1/2 left-1/2 -translate-x-1/2 -translate-y-1/2"></div>
<div class="max-w-7xl mx-auto px-6 lg:px-10">
<div class="text-center max-w-xl mx-auto mb-14 reveal">
<h2 class="section-title text-white mb-4">Simple, transparent <span class="text-grad-blue">pricing</span></h2>
<p style="color:#7A8EA8;" class="text-sm leading-relaxed">Start free. Upgrade for full agentic power.</p>
</div>
<div class="grid md:grid-cols-3 gap-5 max-w-4xl mx-auto">
<div class="glass rounded-2xl p-7 shadow-card reveal">
<div class="text-[11px] font-semibold uppercase tracking-wider mb-4" style="color:#4A5E74;">Free</div>
<div class="text-4xl font-bold text-white mb-1 font-head" style="letter-spacing:-0.04em;">$0</div>
<div class="text-xs mb-7" style="color:#4A5E74;">forever</div>
<ul class="space-y-3 mb-7 text-sm">
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Credit score dashboard</li>
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Delta Slider (3/month)</li>
<li class="flex items-center gap-2 opacity-35" style="color:#7A8EA8;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M3 3l7 7M10 3l-7 7" stroke="currentColor" stroke-width="1.4" stroke-linecap="round"/></svg>Underwriter Agent</li>
<li class="flex items-center gap-2 opacity-35" style="color:#7A8EA8;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M3 3l7 7M10 3l-7 7" stroke="currentColor" stroke-width="1.4" stroke-linecap="round"/></svg>Identity Vault</li>
</ul>
<a href="#" class="block w-full text-center btn-ghost font-semibold text-sm py-3 rounded-xl" style="color:#A8BDD4;">Get Started</a>
</div>
<div class="relative rounded-2xl p-7 shadow-dp reveal" style="background:linear-gradient(145deg,#112244,#07142B);border:1px solid rgba(30,102,220,0.4);">
<div class="absolute -top-3.5 left-1/2 -translate-x-1/2 btn-blue text-white text-[10px] font-bold uppercase tracking-wider px-4 py-1.5 rounded-full" style="box-shadow:0 0 16px rgba(30,102,220,0.5);">Most Popular</div>
<div class="text-[11px] font-semibold uppercase tracking-wider mb-4" style="color:#6BA4FF;">Optimizer</div>
<div class="text-4xl font-bold text-white mb-1 font-head" style="letter-spacing:-0.04em;">$9<span class="text-xl font-normal" style="color:#4A5E74;">/mo</span></div>
<div class="text-xs mb-7" style="color:#4A5E74;">cancel anytime</div>
<ul class="space-y-3 mb-7 text-sm">
<li class="flex items-center gap-2 text-white"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Unlimited Delta Slider</li>
<li class="flex items-center gap-2 text-white"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Underwriter Agent</li>
<li class="flex items-center gap-2 text-white"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Coach Agent + alerts</li>
<li class="flex items-center gap-2 text-white"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Identity Vault (5 docs)</li>
</ul>
<a href="#" class="block w-full text-center btn-blue text-white font-semibold text-sm py-3 rounded-xl">Start Free Trial</a>
</div>
<div class="glass rounded-2xl p-7 shadow-card reveal">
<div class="text-[11px] font-semibold uppercase tracking-wider mb-4" style="color:#4A5E74;">Pro</div>
<div class="text-4xl font-bold text-white mb-1 font-head" style="letter-spacing:-0.04em;">$24<span class="text-xl font-normal" style="color:#4A5E74;">/mo</span></div>
<div class="text-xs mb-7" style="color:#4A5E74;">per month</div>
<ul class="space-y-3 mb-7 text-sm">
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Everything in Optimizer</li>
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>Unlimited Identity Vault</li>
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>GraphRAG market data</li>
<li class="flex items-center gap-2" style="color:#A8BDD4;"><svg width="13" height="13" viewBox="0 0 13 13" fill="none"><path d="M2 6.5l3 3 6-6" stroke="#00C48C" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"/></svg>MCP custom integrations</li>
</ul>
<a href="#" class="block w-full text-center btn-ghost font-semibold text-sm py-3 rounded-xl" style="color:#A8BDD4;">Contact Sales</a>
</div>
</div>
</div>
</section>
<!-- ═══ FINAL CTA ═══ -->
<section class="py-24 relative overflow-hidden">
<div class="orb w-[600px] h-[500px] bg-dp-blue/16 top-1/2 left-1/2 -translate-x-1/2 -translate-y-1/2"></div>
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<div class="glass rounded-3xl p-12 shadow-dp border" style="border-color:rgba(30,102,220,0.2);">
<div class="text-[11px] font-semibold uppercase tracking-widest mb-6" style="color:#1E66DC;">Free · No Credit Pull · Agentic from Day One</div>
<h2 class="section-title text-white mb-5">Your best rate is one<br/><span class="text-grad">delta away</span></h2>
<p class="mb-10 leading-relaxed text-sm max-w-lg mx-auto" style="color:#7A8EA8;">Let the Underwriter Agent calculate your risk grade, the Coach Agent find your arbitrage move, and the Identity Vault verify your income — all in under 60 seconds.</p>
<div class="flex flex-col sm:flex-row gap-4 justify-center">
<a href="#delta-slider" class="btn-blue text-white font-semibold text-sm px-10 py-4 rounded-xl flex items-center gap-2 justify-center">
Calculate My Delta
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</a>
<a href="#underwriter" class="btn-ghost font-medium text-sm px-10 py-4 rounded-xl" style="color:#A8BDD4;">Meet the Agents</a>
</div>
<p class="text-xs mt-6" style="color:#2A3D52;">No credit pull · Cancel anytime · SOC 2 Certified</p>
</div>
</div>
</section>
<!-- ═══ FOOTER ═══ -->
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