/* ==========================================================================
   Secure The Funding — design system
   Warm editorial luxury: bone paper, Playfair Display at regular weight with
   tight tracking, a light humanist sans for body, copper as the accent and
   navy reserved for punctuation. One cached file, no framework.
   ========================================================================== */

/* --------------------------------------------------------------- 1. Tokens */
:root {
  /* Ground */
  --paper: #ffffff;
  --bone: #f6f8fa;
  --linen: #eef2f6;
  --mist: #e6edf3;
  --line: #dde5ec;
  --line-2: #c4d1dc;
  --line-soft: rgba(221, 229, 236, 0.65);

  /* Ink — carried over from their existing site */
  --ink: #282828;
  --ink-2: #4d5257;
  --ink-3: #616161;
  --ink-faint: #9aa4ad;

  /* Blue — their palette, deepened. #0088cc reads dated; these hold up. */
  --navy-deep: #0b263a;
  --navy: #0e3a5c;
  --navy-mid: #1b5480;
  --steel: #336184;
  --blue: #0e6ea8;
  --blue-bright: #0d8ecf;
  --blue-pale: #bcd8e9;
  --blue-wash: #eaf3f9;

  /* Orange — straight off their logo mark, and unused on the current site.
     Making it the accent is what stops this reading as a template. */
  --orange: #f09048;
  /* Small text in the logo orange fails AA on light grounds (#f09048 is 2.1:1,
     #c9691f only 3.8:1). This burnt tone measures 5.8:1 on white and 5.1:1 on
     the tinted bands, and still reads as the same family. Bright orange is
     reserved for display type, button fields and anything on navy. */
  --orange-deep: #a04f10;
  --orange-bright: #ff9f56;
  --orange-pale: #fbdcc2;
  --orange-wash: #fdf3ea;

  --positive: #1f7a52;
  --positive-bg: #e9f5ef;
  --caution: #9a6410;
  --negative: #b03a26;

  /* One family, worked hard — Mulish, as on their current site */
  --font-display: "Mulish", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-sans: "Mulish", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  --step--2: clamp(0.75rem, 0.73rem + 0.08vw, 0.8125rem);
  --step--1: clamp(0.875rem, 0.85rem + 0.12vw, 0.9375rem);
  --step-0:  clamp(1.0625rem, 1.02rem + 0.18vw, 1.125rem);
  --step-1:  clamp(1.1875rem, 1.12rem + 0.3vw, 1.3125rem);
  --step-2:  clamp(1.375rem, 1.2rem + 0.7vw, 1.75rem);
  --step-3:  clamp(1.75rem, 1.42rem + 1.3vw, 2.375rem);
  --step-4:  clamp(2.2rem, 1.65rem + 2.2vw, 3.25rem);
  --step-5:  clamp(2.6rem, 1.5rem + 4.6vw, 4.5rem);

  --sp-1: 0.25rem; --sp-2: 0.5rem; --sp-3: 0.75rem; --sp-4: 1rem;
  --sp-5: 1.5rem; --sp-6: 2rem; --sp-7: 3rem; --sp-8: 4.5rem; --sp-9: 6.5rem;

  /* Low radii — their buttons are 0 and 5px; 4px splits the difference */
  --r-sm: 4px; --r-md: 6px; --r-lg: 10px; --r-pill: 999px;

  --shadow-sm: 0 1px 3px rgba(11, 38, 58, 0.06);
  --shadow-md: 0 2px 10px rgba(11, 38, 58, 0.08), 0 10px 28px -14px rgba(11, 38, 58, 0.18);
  --shadow-lg: 0 4px 16px rgba(11, 38, 58, 0.1), 0 26px 56px -26px rgba(11, 38, 58, 0.26);

  --container: 74rem; --container-narrow: 46rem; --measure: 36rem;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);

  /* Shield notch — derived from the logo mark, reused as the one motif */
  --notch: polygon(0 0, calc(100% - 18px) 0, 100% 18px, 100% 100%, 0 100%);

  /* aliases kept so existing markup keeps resolving */
  --copper: var(--orange-deep);
  --copper-2: var(--orange-deep);
  --copper-3: var(--orange);
  --copper-on-dark: var(--orange);
  --copper-pale: var(--orange-pale);
  --copper-wash: var(--orange-wash);
  --blue-deep: var(--blue);
  --navy-ink: var(--navy-deep);
  --navy-900: var(--navy-deep); --navy-800: var(--navy); --navy-700: var(--navy-mid);
  --navy-600: var(--blue); --navy-500: var(--blue); --navy-400: var(--blue-bright);
  --navy-300: var(--ink-3); --navy-200: rgba(255,255,255,.8); --navy-100: var(--blue-wash);
  --gold-700: var(--orange-deep); --gold-600: var(--orange-deep); --gold-500: var(--orange-deep);
  --gold-400: var(--orange); --gold-300: var(--orange); --gold-200: var(--orange-pale);
  --gold-100: var(--orange-wash);
  --ivory: var(--bone); --ivory-2: var(--linen); --r-xl: var(--r-lg);
}


/* ---------------------------------------------------------- 2. Base reset */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: 6rem;
}

body {
  margin: 0;
  background: var(--bone);
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: var(--step-0);
  font-weight: 300;
  line-height: 1.7;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video, canvas { display: block; max-width: 100%; height: auto; }

/* Playfair at 400 with negative tracking — the whole luxury read lives here.
   Going heavier makes it shout; this is meant to be quiet and confident. */
h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 800;
  color: var(--ink);
  margin: 0 0 var(--sp-4);
  text-wrap: balance;
  letter-spacing: -0.02em;
  overflow-wrap: break-word;
}
h1 { font-size: var(--step-5); line-height: 1.02; letter-spacing: -0.035em; }
h2 { font-size: var(--step-3); line-height: 1.12; letter-spacing: -0.03em; }
h3 { font-size: var(--step-2); line-height: 1.25; letter-spacing: -0.02em; }
h4 {
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: var(--step-0);
  line-height: 1.4;
  letter-spacing: 0;
  margin: 0 0 var(--sp-3);
  color: var(--ink);
}

h1 em, h2 em, h3 em {
  font-style: normal;
  color: var(--orange);
}

p { margin: 0 0 var(--sp-5); text-wrap: pretty; max-width: 42rem; }
p:last-child { margin-bottom: 0; }

a { color: var(--blue-deep); text-decoration-thickness: 1px; text-underline-offset: 0.18em; }
a:hover { color: var(--copper); }

ul, ol { margin: 0 0 var(--sp-5); padding-left: 1.2em; max-width: 42rem; }
li { margin-bottom: var(--sp-3); }
li:last-child { margin-bottom: 0; }

strong, b { font-weight: 600; }

hr { border: 0; border-top: 1px solid var(--line); margin: var(--sp-7) 0; }

:focus-visible {
  outline: 2px solid var(--copper-2);
  outline-offset: 3px;
  border-radius: 2px;
}

::selection { background: var(--copper-pale); color: var(--ink); }

/* ------------------------------------------------------- 3. Layout helpers */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: clamp(1.25rem, 4vw, 2.75rem);
}
.container--narrow { max-width: var(--container-narrow); }
.container--wide { max-width: 84rem; }

.section { padding-block: clamp(3.5rem, 8vw, var(--sp-9)); }
.section--tight { padding-block: clamp(2.5rem, 5vw, var(--sp-7)); }
.section--bone { background: var(--bone); }
.section--paper { background: var(--paper); }
.section--linen { background: var(--linen); }
.section--mist { background: var(--mist); }
/* legacy aliases so page markup stays stable */
.section--ivory { background: var(--linen); }
.section--dune { background: var(--linen); }

.section--navy {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.85);
  position: relative;
  overflow: hidden;
}
.section--navy h1, .section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.section--navy h1 em, .section--navy h2 em, .section--navy h3 em { color: var(--copper-on-dark); }
.section--navy a { color: var(--copper-on-dark); }
.section--navy a:hover { color: #fff; }
.section--navy p { color: rgba(255, 255, 255, 0.8); }

/* minmax(0,…) so a long unbreakable token — an email address in a heading,
   say — can't widen the whole track past the container. */
.grid { display: grid; gap: var(--sp-5); grid-template-columns: minmax(0, 1fr); }
.grid > * { min-width: 0; }
.grid--2 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 21rem), 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 16.5rem), 1fr)); }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 13rem), 1fr)); }

.stack > * + * { margin-top: var(--sp-4); }
.cluster { display: flex; flex-wrap: wrap; gap: var(--sp-3); align-items: center; }

.text-center { text-align: center; }
.measure { max-width: var(--measure); }
.measure-center { max-width: var(--measure); margin-inline: auto; }
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* -------------------------------------------------------- 4. Type details */
.eyebrow {
  display: block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange-deep);
  margin: 0 0 var(--sp-4);
  line-height: 1.4;
}
.eyebrow--center { text-align: center; }
.section--navy .eyebrow { color: var(--copper-on-dark); }
.hero .eyebrow { color: var(--copper); }

.lede {
  font-size: var(--step-1);
  font-weight: 200;
  line-height: 1.6;
  color: var(--ink-2);
  max-width: 38rem;
}
.section--navy .lede { color: rgba(255, 255, 255, 0.78); }

.serif-accent {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  color: var(--copper);
}
.section--navy .serif-accent { color: var(--copper-on-dark); }

.num { font-variant-numeric: tabular-nums; font-feature-settings: "tnum"; }

/* A short, liftable answer directly under a question heading. This is the
   unit answer engines quote, so it is styled to stay tight and quotable. */
.answer {
  font-size: var(--step-1);
  font-weight: 300;
  line-height: 1.6;
  color: var(--ink);
  max-width: 40rem;
  padding-left: var(--sp-5);
  border-left: 2px solid var(--copper-3);
  margin: 0 0 var(--sp-5);
}
.section--navy .answer { color: #fff; border-left-color: var(--copper-on-dark); }

/* The literal question above an answer capsule. Answer engines want the
   question text present on the page, not only in schema. */
.answer-q {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--step-2);
  line-height: 1.35;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: var(--sp-7) 0 var(--sp-4);
  max-width: 34ch;
}
.answer-q:first-child { margin-top: 0; }
.section--navy .answer-q { color: #fff; }

.updated {
  font-size: var(--step--2);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
}

/* --------------------------------------------------------------- 5. Buttons */
.btn {
  --btn-bg: var(--blue);
  --btn-fg: #ffffff;
  --btn-bd: var(--blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5em;
  padding: 0.9rem 1.9rem;
  min-height: 3.125rem;
  border: 1px solid var(--btn-bd);
  border-radius: var(--r-sm);
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 700;
  letter-spacing: 0.005em;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color .2s var(--ease), border-color .2s var(--ease),
    color .2s var(--ease), box-shadow .2s var(--ease), transform .2s var(--ease);
}
.btn:hover {
  --btn-bg: var(--navy);
  --btn-bd: var(--navy);
  color: var(--btn-fg);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}
.btn:active { transform: translateY(0); }

.btn--navy { --btn-bg: var(--navy); --btn-bd: var(--navy); }
.btn--navy:hover { --btn-bg: var(--navy-deep); --btn-bd: var(--navy-deep); }

/* The accent CTA. Orange field, navy label — the logo's own pairing. */
.btn--accent { --btn-bg: var(--orange); --btn-bd: var(--orange); --btn-fg: var(--navy-deep); }
.btn--accent:hover { --btn-bg: var(--orange-bright); --btn-bd: var(--orange-bright); --btn-fg: var(--navy-deep); }

/* legacy alias — the gold button is now the copper primary */
.btn--gold { --btn-bg: var(--orange); --btn-bd: var(--orange); --btn-fg: var(--navy-deep); }
.btn--gold:hover { --btn-bg: var(--orange-bright); --btn-bd: var(--orange-bright); --btn-fg: var(--navy-deep); }

.btn--ghost {
  --btn-bg: transparent;
  --btn-fg: var(--navy);
  --btn-bd: var(--line-2);
}
.btn--ghost:hover {
  --btn-bg: var(--paper);
  --btn-bd: var(--navy);
  --btn-fg: var(--navy);
  box-shadow: var(--shadow-sm);
}

.section--navy .btn--ghost,
.btn--ghost-light {
  --btn-bg: transparent;
  --btn-fg: #fff;
  --btn-bd: rgba(255, 255, 255, 0.35);
}
.section--navy .btn--ghost:hover,
.btn--ghost-light:hover {
  --btn-bd: rgba(255, 255, 255, 0.85);
  --btn-bg: rgba(255, 255, 255, 0.08);
  --btn-fg: #fff;
}

/* Contextual link colours (.section--navy a, .footer a …) are more specific
   than .btn, which would repaint button labels and destroy their contrast.
   Restate the button's own foreground inside every dark context. */
.section--navy a.btn,
.footer a.btn,
.card--dark a.btn,
.cta-band a.btn,
.hero a.btn,
.pagehead a.btn,
.result-card a.btn { color: var(--btn-fg); }

.btn--sm { padding: 0.7rem 1.3rem; min-height: 2.75rem; font-size: 0.875rem; }
.btn--lg { padding: 1.05rem 2.25rem; min-height: 3.5rem; font-size: 1.0625rem; }
.btn--block { display: flex; width: 100%; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4em;
  font-weight: 600;
  font-size: 0.9375rem;
  text-decoration: none;
  color: var(--copper);
}
.link-arrow::after { content: "→"; transition: transform 0.2s var(--ease); }
.link-arrow:hover { color: var(--copper-2); }
.link-arrow:hover::after { transform: translateX(4px); }
.section--navy .link-arrow { color: var(--copper-on-dark); }

/* --------------------------------------------------------------- 6. Header */
.skip-link {
  position: absolute;
  left: var(--sp-4);
  top: var(--sp-4);
  transform: translateY(-250%);
  z-index: 200;
  background: var(--navy);
  color: #fff;
  padding: 0.75rem 1.25rem;
  border-radius: var(--r-sm);
  text-decoration: none;
  font-size: 0.9375rem;
  font-weight: 600;
}
.skip-link:focus { transform: translateY(0); color: #fff; }

.topbar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.8125rem;
  letter-spacing: 0.01em;
}
.topbar__inner {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-2) var(--sp-5);
  align-items: center;
  justify-content: space-between;
  padding-block: 0.6rem;
}
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { color: var(--copper-3); }
.topbar__meta { display: flex; flex-wrap: wrap; gap: var(--sp-2) var(--sp-5); align-items: center; }
.topbar__rating { color: var(--copper-on-dark); letter-spacing: 0.08em; }

/* Language toggle. Lives in the topbar so it reaches every page without
   competing with the primary nav for space. */
.langswitch {
  display: inline-flex;
  align-items: center;
  gap: 0.35em;
  padding: 0.22rem 0.6rem;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: var(--r-sm);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-decoration: none;
  transition: border-color .2s var(--ease), background-color .2s var(--ease);
}
.langswitch:hover { border-color: var(--orange); background: rgba(240, 144, 72, .18); color: #fff; }
@media (pointer: coarse) { .langswitch { padding: 0.45rem 0.7rem; } }

.masthead {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 250, 248, 0.9);
  backdrop-filter: saturate(1.4) blur(12px);
  -webkit-backdrop-filter: saturate(1.4) blur(12px);
  border-bottom: 1px solid var(--line-soft);
  transition: box-shadow 0.25s var(--ease), background-color 0.25s var(--ease);
}
/* backdrop-filter makes an element the containing block for its
   position:fixed descendants, so with the filter active the mobile nav panel
   resolved its top/bottom against the 76px masthead instead of the viewport
   and collapsed to a single-item sliver. Dropping the filter while the menu
   is open restores viewport-relative positioning. */
.masthead[data-nav-open="true"] {
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  background: var(--bone);
}
.masthead[data-stuck="true"] {
  box-shadow: 0 1px 0 var(--line), 0 6px 24px -18px rgba(30, 46, 63, 0.4);
  background: rgba(250, 250, 248, 0.97);
}

.masthead__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-4);
  min-height: 4.75rem;
}

.brand { display: inline-flex; align-items: center; gap: 0.7rem; text-decoration: none; flex: 0 1 auto; min-width: 0; }
.brand__mark { width: 2.4rem; height: 2.4rem; flex: none; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; min-width: 0; }
.brand__name {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: -0.02em;
  color: var(--ink);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.brand__tag {
  font-size: 0.625rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  font-weight: 600;
  white-space: nowrap;
}
@media (max-width: 26rem) {
  .masthead .brand__tag { display: none; }
  .masthead .brand__name { font-size: 1rem; }
}

.nav { display: flex; align-items: center; gap: var(--sp-3); }
.nav__list { display: flex; align-items: center; gap: 0.2rem; list-style: none; margin: 0; padding: 0; max-width: none; }
.nav__list li { margin: 0; }
.nav__link {
  display: inline-block;
  padding: 0.55em 0.9em;
  border-radius: var(--r-sm);
  font-size: 0.9375rem;
  font-weight: 400;
  color: var(--ink-2);
  text-decoration: none;
  position: relative;
  transition: color 0.18s var(--ease);
}
.nav__link:hover { color: var(--ink); }
.nav__link::after {
  content: "";
  position: absolute;
  left: 0.9em; right: 0.9em; bottom: 0.3em;
  height: 1px;
  background: var(--copper-2);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s var(--ease);
}
.nav__link:hover::after, .nav__link[aria-current="page"]::after { transform: scaleX(1); }
.nav__link[aria-current="page"] { color: var(--ink); font-weight: 600; }

.nav__toggle {
  display: none;
  width: 3rem; height: 3rem;
  align-items: center; justify-content: center;
  background: transparent;
  border: 1px solid var(--line-2);
  border-radius: var(--r-sm);
  cursor: pointer;
  color: var(--navy);
}
.nav__toggle svg { width: 1.2rem; height: 1.2rem; }
.nav__toggle .icon-close { display: none; }
.nav__toggle[aria-expanded="true"] .icon-open { display: none; }
.nav__toggle[aria-expanded="true"] .icon-close { display: block; }

@media (max-width: 62rem) {
  .nav__toggle { display: inline-flex; }
  .nav__list {
    position: fixed;
    inset: auto 0 0 0;
    top: var(--nav-top, 4.75rem);
    max-height: calc(100dvh - var(--nav-top, 4.75rem));
    z-index: 99;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    border-top: 1px solid var(--line);
    padding: var(--sp-4) clamp(1.25rem, 4vw, 2.75rem) var(--sp-7);
    overflow-y: auto;
    transform: translateY(-6px);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s;
  }
  .nav__list[data-open="true"] { opacity: 1; transform: none; visibility: visible; }
  .nav__link { padding: 1em 0; font-size: 1.125rem; border-bottom: 1px solid var(--line-soft); border-radius: 0; }
  .nav__link::after { display: none; }
  .nav__cta-mobile { margin-top: var(--sp-5); }
  .masthead__cta { display: none; }
}
@media (min-width: 62.001rem) { .nav__cta-mobile { display: none; } }
@media (max-width: 34rem) { .topbar__meta .topbar__hide-xs { display: none; } }

/* --------------------------------------------------------------- 7. Hero */
/* A dark, centred title block on an otherwise light site. The four stacked
   gradients do the work: a copper glow from the top edge, a cool blue from the
   lower left, a warm one at right, over a navy base raked at 160deg. */
.hero {
  position: relative;
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.78);
  text-align: center;
  overflow: hidden;
  isolation: isolate;
}
/* Their own kitchen photograph, duotoned into the brand navy so it reads as
   art direction rather than stock. Swap for real photography when supplied. */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -2;
  /* Smallest source first; media queries below step up. Without this a phone
     downloads the 1920px file (92KB) to paint a 390px-wide band (22KB). */
  background-image: image-set(
    url("../img/hero-home@800.webp") type("image/webp"),
    url("../img/hero-home.jpg") type("image/jpeg"));
  background-image: -webkit-image-set(
    url("../img/hero-home@800.webp") type("image/webp"),
    url("../img/hero-home.jpg") type("image/jpeg"));
  background-size: cover;
  background-position: 50% 62%;
}
@media (min-width: 46rem) {
  .hero::before {
    background-image: image-set(
      url("../img/hero-home@1200.webp") type("image/webp"),
      url("../img/hero-home.jpg") type("image/jpeg"));
    background-image: -webkit-image-set(
      url("../img/hero-home@1200.webp") type("image/webp"),
      url("../img/hero-home.jpg") type("image/jpeg"));
  }
}
@media (min-width: 75rem) {
  .hero::before {
    background-image: image-set(
      url("../img/hero-home.webp") type("image/webp"),
      url("../img/hero-home.jpg") type("image/jpeg"));
    background-image: -webkit-image-set(
      url("../img/hero-home.webp") type("image/webp"),
      url("../img/hero-home.jpg") type("image/jpeg"));
  }
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(85% 70% at 50% 8%, rgba(240, 144, 72, 0.16) 0%, transparent 62%),
    linear-gradient(180deg, rgba(11, 38, 58, 0.7) 0%, rgba(11, 38, 58, 0.86) 45%, rgba(11, 38, 58, 0.95) 100%);
}
.hero__inner {
  max-width: 48rem;
  margin-inline: auto;
  padding-block: clamp(4rem, 10vw, 7.5rem) clamp(4.5rem, 10vw, 8rem);
  position: relative;
}
.hero__mark { width: 4.25rem; height: 4.25rem; margin: 0 auto var(--sp-5); }

/* 48px copper hairline that fades at both ends — the whole ornament budget */
.rule-c {
  width: 3rem;
  height: 1px;
  margin: 0 auto var(--sp-4);
  background: linear-gradient(90deg, transparent, var(--orange), transparent);
  border: 0;
}

.hero .eyebrow { color: var(--orange); margin-bottom: var(--sp-5); }
.hero h1 { color: #fff; margin-bottom: var(--sp-5); }
.hero h1 em { color: var(--orange); }
.hero__lede {
  font-size: var(--step-1);
  font-weight: 200;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.72);
  max-width: 35rem;
  margin: 0 auto var(--sp-6);
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  justify-content: center;
  margin-bottom: var(--sp-6);
}

/* Pill facts. Cheaper than a stat row and reads as confidence, not boasting. */
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  justify-content: center;
  list-style: none;
  padding: 0;
  margin: 0;
  max-width: none;
}
.chips li { margin: 0; }
.chip {
  display: inline-flex;
  align-items: center;
  gap: 0.45em;
  padding: 0.5rem 1rem;
  border-radius: var(--r-pill);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.8125rem;
  font-weight: 400;
  letter-spacing: 0.01em;
  white-space: nowrap;
}
.chip__mark { color: var(--copper-on-dark); }
a.chip { text-decoration: none; transition: border-color .2s var(--ease), background-color .2s var(--ease); }
a.chip:hover { border-color: var(--copper-on-dark); background: rgba(255, 255, 255, 0.1); color: #fff; }

/* ------------------------------------------------- 7b. Hero estimator */
/* Lifted so it straddles the hero's bottom edge. */
.estimator-band { background: var(--bone); padding-bottom: clamp(3rem, 7vw, 5rem); }
.estimator {
  position: relative;
  z-index: 2;
  margin-top: clamp(-3.5rem, -6vw, -2rem);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-lg);
  padding: clamp(1.5rem, 3.5vw, 2.5rem);
  color: var(--ink);
}
.estimator__head {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3) var(--sp-5);
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: var(--sp-6);
}
.estimator__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--step-2);
  letter-spacing: -0.02em;
  margin: 0;
}
.estimator__sub { font-size: 0.9375rem; color: var(--ink-3); margin: 0; }
.estimator__grid { display: grid; gap: var(--sp-5); }
@media (min-width: 46rem) { .estimator__grid { grid-template-columns: repeat(3, 1fr); gap: var(--sp-6); } }
.estimator__grid .field { margin-bottom: 0; }
.estimator__result {
  margin-top: var(--sp-6);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line);
  display: grid;
  gap: var(--sp-4);
  align-items: end;
}
@media (min-width: 46rem) { .estimator__result { grid-template-columns: auto 1fr auto; gap: var(--sp-6); } }
.estimator__amount {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 7vw, 3.25rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--ink);
  line-height: 1;
  display: block;
  margin-top: 0.35rem;
}
.estimator__detail { font-size: 0.9375rem; color: var(--ink-3); margin: 0; }
.estimator__note { font-size: 0.8125rem; color: var(--ink-3); margin: var(--sp-5) 0 0; line-height: 1.6; max-width: 52rem; }

/* legacy names kept so older markup still renders sensibly */
.quote-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-md); padding: var(--sp-6); }
.quote-card__amount { font-family: var(--font-display); font-weight: 800; font-size: var(--step-3); letter-spacing: -0.03em; }

/* --------------------------------------------------------------- 8. Cards */
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: clamp(1.5rem, 2.8vw, 2rem);
  position: relative;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease),
    border-color 0.25s var(--ease);
  height: 100%;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--line-2); }
/* Corner cut echoing the shield in the logo mark — the site's one motif. */
.card--notch { clip-path: var(--notch); border-radius: 0; }
.card--notch::after {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 18px; height: 18px;
  background: linear-gradient(225deg, var(--orange) 0 50%, transparent 50%);
}
.card h3 { font-size: var(--step-2); margin-bottom: var(--sp-3); }
.card p { color: var(--ink-2); font-size: 1rem; line-height: 1.65; }
.card__icon {
  width: 2.75rem; height: 2.75rem;
  display: grid; place-items: center;
  border-radius: var(--r-sm);
  background: var(--copper-wash);
  color: var(--copper);
  border: 1px solid var(--copper-pale);
  margin-bottom: var(--sp-5);
}
.card__icon svg { width: 1.35rem; height: 1.35rem; }
.card--link { display: flex; flex-direction: column; text-decoration: none; color: inherit; }
.card--link .link-arrow { margin-top: auto; padding-top: var(--sp-5); }

.card--flat { border: 1px solid var(--line); background: transparent; }
.card--flat:hover { transform: none; box-shadow: none; background: var(--paper); }

.card--dark {
  background: var(--navy);
  border-color: var(--navy);
  color: rgba(255, 255, 255, 0.82);
}
.card--dark:hover { border-color: var(--navy-mid); }
.card--dark h3, .card--dark h4 { color: #fff; }
.card--dark p { color: rgba(255, 255, 255, 0.78); }
.card--dark .eyebrow { color: var(--copper-on-dark); }
.card--dark .link-arrow { color: var(--copper-on-dark); }
.card--dark .spec-list li, .card--dark .tick-list li { color: rgba(255, 255, 255, 0.8); }

/* Plain dash-led list, matching .spec-list rhythm but usable on any ground */
.tick-list {
  list-style: none;
  padding: 0;
  margin: var(--sp-5) 0 0;
  display: grid;
  gap: 0.85rem;
  max-width: none;
}
.tick-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.7rem;
  margin: 0;
  font-size: 1rem;
  line-height: 1.55;
  align-items: baseline;
}
.tick-list li::before { content: "—"; color: var(--copper-3); }

/* Numbered process steps */
.steps { counter-reset: step; display: grid; gap: var(--sp-5); }
@media (min-width: 46rem) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step {
  counter-increment: step;
  padding: var(--sp-5) var(--sp-5) var(--sp-5) 0;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}
.step::before {
  content: counter(step, decimal-leading-zero);
  font-family: var(--font-display);
  font-size: var(--step-2);
  font-weight: 400;
  color: var(--copper-on-dark);
  display: block;
  margin-bottom: var(--sp-4);
  letter-spacing: -0.02em;
}
.step h3 { font-size: var(--step-1); font-family: var(--font-sans); font-weight: 600; letter-spacing: 0; margin-bottom: var(--sp-2); color: #fff; }
.step p { font-size: 1rem; color: rgba(255, 255, 255, 0.75); margin: 0; }

/* --------------------------------------------------------- 9. Testimonials */
.quote-grid { display: grid; gap: var(--sp-5); }
@media (min-width: 46rem) { .quote-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 68rem) { .quote-grid { grid-template-columns: repeat(3, 1fr); } }

.testimonial {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: var(--sp-6);
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  height: 100%;
}
.testimonial__stars { color: var(--copper-2); letter-spacing: 0.14em; font-size: 0.875rem; }
.testimonial blockquote {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 1.125rem;
  line-height: 1.55;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.testimonial__by {
  margin-top: auto;
  font-size: 0.75rem;
  color: var(--ink-3);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 600;
}
.testimonial__by strong { color: var(--ink); display: block; letter-spacing: 0; text-transform: none; font-size: 1rem; font-weight: 600; }

/* --------------------------------------------------------------- 10. Forms */
.field { display: block; margin-bottom: var(--sp-5); }
.field__label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--sp-3);
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.45rem;
  letter-spacing: 0;
}
.field__hint { font-size: 0.8125rem; color: var(--ink-3); font-weight: 400; }

.input, .select, .textarea {
  width: 100%;
  font-family: var(--font-sans);
  /* never below 16px: iOS zooms the viewport on focus otherwise */
  font-size: 1.0625rem;
  font-weight: 400;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line-2);
  border-radius: var(--r-sm);
  padding: 0.7em 0.85em;
  min-height: 3rem;
  transition: border-color 0.18s var(--ease), box-shadow 0.18s var(--ease);
  -webkit-appearance: none;
  appearance: none;
}
.input:hover, .select:hover, .textarea:hover { border-color: var(--navy-mid); }
.input:focus, .select:focus, .textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(46, 63, 82, 0.12);
}
.textarea { min-height: 7.5rem; resize: vertical; line-height: 1.6; }
.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5 6 6.5l5-5' stroke='%239a9590' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1em center;
  padding-right: 2.5em;
}

.affix { position: relative; display: flex; align-items: center; }
.affix .input { padding-left: 1.9em; font-variant-numeric: tabular-nums; }
.affix--suffix .input { padding-left: 0.85em; padding-right: 2.4em; }
.affix__sign {
  position: absolute;
  left: 0.85em;
  color: var(--ink-3);
  font-size: 0.9375rem;
  pointer-events: none;
}
.affix--suffix .affix__sign { left: auto; right: 0.95em; }

.range {
  --pct: 50%;
  width: 100%;
  height: 2px;
  margin: 1.15rem 0 0.35rem;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(to right, var(--orange-deep) 0 var(--pct), var(--line-2) var(--pct) 100%);
  border-radius: var(--r-pill);
  cursor: pointer;
  /* The 2px track is the visual; the padding is the hit area. content-box is
     required — the global border-box would fold the padding into the 2px
     height and collapse the control to zero. */
  box-sizing: content-box;
  padding-block: 1.25rem;
  background-clip: content-box;
  touch-action: pan-y;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 1.375rem; height: 1.375rem;
  border-radius: 50%;
  background: var(--paper);
  border: 2px solid var(--orange-deep);
  box-shadow: var(--shadow-sm);
  cursor: grab;
  transition: transform .15s var(--ease);
}
.range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.range:active::-webkit-slider-thumb { cursor: grabbing; transform: scale(1.18); }
.range::-moz-range-thumb {
  width: 1.375rem; height: 1.375rem; border-radius: 50%;
  background: var(--paper); border: 2px solid var(--orange-deep);
  box-shadow: var(--shadow-sm); cursor: grab;
}
@media (pointer: coarse) {
  .range::-webkit-slider-thumb { width: 1.625rem; height: 1.625rem; }
  .range::-moz-range-thumb { width: 1.625rem; height: 1.625rem; }
}
.range::-moz-range-track { height: 2px; background: transparent; }

.segmented {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 2px;
  padding: 3px;
  background: var(--linen);
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
}
.segmented__opt { position: relative; }
.segmented__opt input { position: absolute; opacity: 0; width: 100%; height: 100%; left: 0; top: 0; margin: 0; cursor: pointer; }
.segmented__opt span {
  display: block;
  padding: 0.5em 1em;
  border-radius: 4px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink-2);
  white-space: nowrap;
  transition: background-color 0.18s var(--ease), color 0.18s var(--ease);
}
.segmented__opt input:hover + span { color: var(--ink); }
.segmented__opt input:checked + span { background: var(--navy); color: #fff; }
.segmented__opt input:focus-visible + span { outline: 2px solid var(--copper-2); outline-offset: 2px; }

.checkline { display: flex; align-items: flex-start; gap: 0.7rem; font-size: 1rem; color: var(--ink-2); line-height: 1.6; }
.checkline input[type="checkbox"] { margin-top: 0.3em; accent-color: var(--copper-2); width: 1.1rem; height: 1.1rem; flex: none; }

.form-error { color: var(--negative); font-size: 0.875rem; margin-top: 0.4rem; display: none; }
.field[data-invalid="true"] .input,
.field[data-invalid="true"] .select { border-color: var(--negative); }
.field[data-invalid="true"] .form-error { display: block; }

/* ---------------------------------------------------------- 11. Calculator */
.calc-tabs {
  display: flex;
  gap: var(--sp-2);
  overflow-x: auto;
  padding-bottom: var(--sp-3);
  scrollbar-width: thin;
  -webkit-overflow-scrolling: touch;
}
.calc-tab {
  flex: none;
  display: inline-flex;
  align-items: center;
  padding: 0.8rem 1.25rem;
  min-height: 2.75rem;
  border: 1px solid var(--line-2);
  border-radius: var(--r-sm);
  background: var(--paper);
  color: var(--ink-2);
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: all 0.2s var(--ease);
}
.calc-tab:hover { border-color: var(--navy-mid); color: var(--ink); }
.calc-tab[aria-selected="true"] { background: var(--navy); border-color: var(--navy); color: #fff; }

.calc-panel[hidden] { display: none; }

.calc-layout {
  display: grid;
  gap: var(--sp-5);
  align-items: start;
  /* minmax(0,…) rather than the default minmax(auto,…): without it the
     amortization table's min-width propagates up and widens the whole page. */
  grid-template-columns: minmax(0, 1fr);
}
.calc-layout > * { min-width: 0; }
.table-scroll { max-width: 100%; }
@media (min-width: 64rem) {
  .calc-layout { grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: var(--sp-6); }
  .calc-layout__results { position: sticky; top: 6.75rem; }
}

.calc-inputs {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: clamp(1.35rem, 3vw, 2rem);
}
.calc-inputs__group + .calc-inputs__group {
  margin-top: var(--sp-6);
  padding-top: var(--sp-6);
  border-top: 1px solid var(--line-soft);
}
.calc-inputs__grouptitle {
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: var(--sp-5);
}
.calc-row { display: grid; gap: var(--sp-5); }
@media (min-width: 30rem) { .calc-row--2 { grid-template-columns: 1fr 1fr; } }

/* Progressive disclosure — advanced assumptions stay out of the way until
   someone actually wants them. Most visitors never open this. */
.advanced {
  margin-top: var(--sp-6);
  border-top: 1px solid var(--line-soft);
  padding-top: var(--sp-5);
}
.advanced > summary {
  list-style: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.55em;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy);
  padding: 0.7rem 0;
  min-height: 2.75rem;
}
.advanced > summary::-webkit-details-marker { display: none; }
.advanced > summary::before {
  content: "";
  width: 0.55rem; height: 0.55rem;
  border-right: 1.5px solid var(--copper-2);
  border-bottom: 1.5px solid var(--copper-2);
  transform: rotate(45deg) translate(-10%, -10%);
  transition: transform 0.25s var(--ease);
  flex: none;
}
.advanced[open] > summary::before { transform: rotate(225deg) translate(-10%, -10%); }
.advanced > summary:hover { color: var(--copper); }
.advanced__body { padding-top: var(--sp-5); }
.advanced__hint { font-size: 0.875rem; color: var(--ink-3); margin: 0 0 var(--sp-5); }

.result-card {
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-md);
  padding: clamp(1.5rem, 3vw, 2.25rem);
}
.result-card__label {
  font-size: 0.6875rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper-on-dark);
  font-weight: 600;
  margin-bottom: var(--sp-3);
}
.result-card__headline {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 7vw, 3.5rem);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.03em;
  color: #fff;
  font-variant-numeric: tabular-nums;
  margin: 0;
}
.result-card__headline small {
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 400;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0;
}
.result-card__sub { color: rgba(255, 255, 255, 0.75); font-size: 1rem; margin-top: var(--sp-3); max-width: none; }
.result-card__sub strong { color: #fff; }

.breakdown { list-style: none; margin: var(--sp-6) 0 0; padding: 0; max-width: none; }
.breakdown li {
  display: grid;
  grid-template-columns: 0.6rem 1fr auto;
  gap: 0.8rem;
  align-items: center;
  padding: 0.65rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 1rem;
  margin: 0;
}
.breakdown li:first-child { border-top: 0; }
.breakdown__swatch { width: 0.6rem; height: 0.6rem; border-radius: 2px; }
.breakdown__name { color: rgba(255, 255, 255, 0.75); }
.breakdown__value { font-variant-numeric: tabular-nums; font-weight: 600; color: #fff; }
.breakdown li[data-zero="true"] { display: none; }

.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(9rem, 1fr));
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
  margin-top: var(--sp-5);
}
.stat { background: var(--paper); padding: var(--sp-5); }
/* Programme sidebars always carry four specs — auto-fit would give three
   columns and leave an orphan cell. */
.stat-grid--2 { grid-template-columns: repeat(2, 1fr); }
.stat__label {
  font-size: 0.6875rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-bottom: 0.4rem;
  display: block;
}
.stat__value {
  font-family: var(--font-display);
  font-size: var(--step-2);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  line-height: 1.15;
  display: block;
}
.stat__value--good { color: var(--positive); }
.stat__value--warn { color: var(--caution); }
.stat__value--bad { color: var(--negative); }
.stat__note { font-size: 0.8125rem; color: var(--ink-3); margin-top: 0.35rem; display: block; line-height: 1.5; }

.chart-wrap {
  margin-top: var(--sp-5);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: var(--sp-6);
}
.chart-wrap h3, .chart-wrap h4 {
  margin-bottom: var(--sp-5);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.6875rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper);
}
.chart { width: 100%; overflow: visible; }
.chart text { font-family: var(--font-sans); }

.callout {
  display: flex;
  gap: var(--sp-4);
  padding: var(--sp-5);
  border-radius: var(--r-sm);
  background: var(--copper-wash);
  border: 1px solid var(--copper-pale);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--copper);
  margin-top: var(--sp-5);
}
.callout svg { width: 1.2rem; height: 1.2rem; flex: none; margin-top: 0.2em; }
.callout--info { background: var(--blue-wash); border-color: var(--blue-pale); color: var(--blue-deep); }
.callout--good { background: var(--positive-bg); border-color: #c6ded2; color: var(--positive); }
.callout strong { font-weight: 600; }
.callout[hidden] { display: none; }
.callout a { color: inherit; }

.amort-controls {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--sp-5);
}
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: var(--r-sm); }
table.amort {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
  font-variant-numeric: tabular-nums;
  min-width: 34rem;
}
table.amort th, table.amort td { padding: 0.65rem 1rem; text-align: right; white-space: nowrap; }
table.amort th:first-child, table.amort td:first-child { text-align: left; }
table.amort thead th {
  position: sticky; top: 0;
  background: var(--linen);
  font-size: 0.6875rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  border-bottom: 1px solid var(--line);
}
table.amort tbody tr { border-top: 1px solid var(--line-soft); }
table.amort tbody tr:nth-child(even) { background: rgba(30, 46, 63, 0.015); }
table.amort tbody tr.is-milestone { background: var(--copper-wash); }
table.amort td.money--principal { color: var(--navy); }
table.amort td.money--interest { color: var(--copper); }

.calc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  margin-top: var(--sp-6);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line-soft);
}

.disclaimer {
  font-size: 0.875rem;
  font-weight: 300;
  color: var(--ink-3);
  line-height: 1.6;
  margin-top: var(--sp-5);
  max-width: 44rem;
}

/* ------------------------------------------------------ 12. Loan programs */
.loan-table {
  display: grid;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
}
.loan-row {
  background: var(--paper);
  display: grid;
  gap: var(--sp-2) var(--sp-6);
  padding: var(--sp-6);
  transition: background-color 0.2s var(--ease);
}
@media (min-width: 48rem) { .loan-row { grid-template-columns: 15rem 1fr 8rem; align-items: center; } }
.loan-row:hover { background: var(--bone); }
.loan-row__name {
  font-family: var(--font-display);
  font-size: var(--step-2);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0;
}
.loan-row__tag {
  font-size: 0.6875rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--copper);
  font-weight: 600;
  display: block;
  margin-bottom: 0.2rem;
}
.loan-row__desc { font-size: 1rem; color: var(--ink-2); margin: 0; line-height: 1.6; }

.spec-list { list-style: none; margin: var(--sp-5) 0 0; padding: 0; display: grid; gap: 0.7rem; max-width: 42rem; }
.spec-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.7rem;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0;
  align-items: baseline;
}
.spec-list li::before { content: "—"; color: var(--copper-3); }
.section--navy .spec-list li { color: rgba(255, 255, 255, 0.8); }

.detail-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: clamp(1.5rem, 3.5vw, 2.75rem);
  scroll-margin-top: 6.5rem;
}
.detail-card__head {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: var(--sp-5);
}
.badge {
  display: inline-flex;
  align-items: center;
  padding: 0.35em 0.85em;
  border-radius: var(--r-pill);
  background: var(--copper-wash);
  border: 1px solid var(--copper-pale);
  color: var(--copper);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.badge--gold { background: var(--copper-wash); border-color: var(--copper-pale); color: var(--copper); }
.badge--good { background: var(--positive-bg); border-color: #c6ded2; color: var(--positive); }

/* Comparison table — the shape answer engines lift most readily */
.compare {
  width: 100%;
  border-collapse: collapse;
  font-size: 1rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
  min-width: 32rem;
}
.compare th, .compare td { padding: 0.9rem 1.15rem; text-align: left; vertical-align: top; }
.compare thead th {
  background: var(--linen);
  font-family: var(--font-sans);
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  border-bottom: 1px solid var(--line);
}
.compare tbody tr + tr { border-top: 1px solid var(--line-soft); }
.compare tbody th {
  font-family: var(--font-sans);
  font-weight: 600;
  color: var(--ink);
  white-space: nowrap;
}
.compare td { color: var(--ink-2); }

/* ------------------------------------------------------------ 13. Accordion */
.accordion { border-top: 1px solid var(--line); }
.accordion__item { border-bottom: 1px solid var(--line); }
.accordion__item summary {
  display: flex;
  gap: var(--sp-5);
  align-items: center;
  justify-content: space-between;
  padding: var(--sp-5) 0;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: var(--step-2);
  font-weight: 400;
  letter-spacing: -0.02em;
  color: var(--ink);
  list-style: none;
}
.accordion__item summary::-webkit-details-marker { display: none; }
.accordion__item summary::after {
  content: "";
  width: 0.7rem; height: 0.7rem;
  flex: none;
  border-right: 1.5px solid var(--copper-2);
  border-bottom: 1.5px solid var(--copper-2);
  transform: rotate(45deg) translateY(-25%);
  transition: transform 0.25s var(--ease);
}
.accordion__item[open] summary::after { transform: rotate(225deg) translateY(-25%); }
.accordion__item summary:hover { color: var(--copper); }
.accordion__body { padding: 0 0 var(--sp-6); color: var(--ink-2); max-width: 44rem; }

/* --------------------------------------------------------------- 14. Team */
.person {
  display: grid;
  gap: var(--sp-5);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: var(--sp-6);
  height: 100%;
}
.person__portrait {
  width: 5.5rem; height: 5.5rem;
  border-radius: 50%;
  background: var(--navy);
  color: var(--copper-on-dark);
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 400;
  letter-spacing: -0.02em;
  object-fit: cover;
  flex: none;
}
.person__name { font-family: var(--font-display); font-size: var(--step-2); font-weight: 800; letter-spacing: -0.02em; margin: 0 0 0.2rem; color: var(--ink); }
.person__role { font-size: 0.9375rem; color: var(--copper); font-weight: 600; margin: 0 0 0.3rem; }
.person__nmls { font-size: 0.75rem; color: var(--ink-3); letter-spacing: 0.1em; text-transform: uppercase; font-weight: 600; margin: 0; }

/* -------------------------------------------------------- 15. Page header */
.pagehead {
  background:
    radial-gradient(65% 100% at 88% 0%, var(--copper-wash) 0%, transparent 62%),
    var(--bone);
  border-bottom: 1px solid var(--line-soft);
  padding-block: clamp(2.75rem, 7vw, 5.5rem);
}
.pagehead h1 { margin-bottom: var(--sp-5); max-width: 22ch; }
.pagehead p { color: var(--ink-2); font-size: var(--step-1); font-weight: 200; line-height: 1.6; max-width: 40rem; }

.breadcrumb { list-style: none; display: flex; flex-wrap: wrap; gap: 0.5rem; padding: 0; margin: 0 0 var(--sp-5); font-size: 0.8125rem; max-width: none; }
.breadcrumb li { margin: 0; color: var(--ink-3); }
.breadcrumb li + li::before { content: "/"; margin-right: 0.5rem; color: var(--line-2); }
.breadcrumb a { color: var(--ink-3); text-decoration: none; }
.breadcrumb a:hover { color: var(--copper); }

/* ------------------------------------------------------------- 16. Footer */
.footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.78); font-size: 0.9375rem; }
.footer a { color: rgba(255, 255, 255, 0.88); text-decoration: none; }
.footer a:hover { color: var(--copper-on-dark); }
.footer p { max-width: 26rem; }
.footer__top { display: grid; gap: var(--sp-6); padding-block: clamp(3rem, 6vw, var(--sp-8)); }
@media (min-width: 52rem) { .footer__top { grid-template-columns: 1.5fr 1fr 1fr 1.15fr; } }
.footer h2, .footer h4 {
  color: var(--copper-on-dark);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.6875rem;
  line-height: 1.4;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: var(--sp-5);
}
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.7rem; max-width: none; }
.footer li { margin: 0; line-height: 1.6; }
.footer .brand__name { color: #fff; }
.footer .brand__tag { color: var(--copper-on-dark); }
.footer__legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-block: var(--sp-6);
  font-size: 0.8125rem;
  font-weight: 300;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.65;
  display: grid;
  gap: var(--sp-4);
}
.footer__legal p { max-width: 62rem; }
.footer__legal a { color: rgba(255, 255, 255, 0.78); text-decoration: underline; }
.footer__seals { display: flex; flex-wrap: wrap; gap: var(--sp-6); align-items: center; }
.footer__seal { display: flex; align-items: center; gap: 0.6rem; color: rgba(255, 255, 255, 0.7); font-size: 0.8125rem; }
.footer__seal svg { width: 1.9rem; height: 1.9rem; flex: none; }
.footer__social { display: flex; gap: var(--sp-3); }
.footer__social a {
  width: 2.5rem; height: 2.5rem;
  display: grid; place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--r-sm);
  transition: all 0.2s var(--ease);
}
.footer__social a:hover { border-color: var(--copper-on-dark); background: rgba(217, 169, 103, 0.16); }
.footer__social svg { width: 1rem; height: 1rem; fill: currentColor; }

/* ---------------------------------------------------------- 17. CTA banner */
.cta-band {
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-md);
  padding: clamp(2rem, 5vw, 3.5rem);
  display: grid;
  gap: var(--sp-5);
  align-items: center;
}
@media (min-width: 52rem) { .cta-band { grid-template-columns: 1fr auto; gap: var(--sp-7); } }
.cta-band h2 { color: #fff; margin-bottom: var(--sp-4); }
.cta-band p { color: rgba(255, 255, 255, 0.78); margin: 0; max-width: 38rem; }

/* ------------------------------------------------------ 17b. Step form */
.progress { height: 2px; background: var(--line); border-radius: var(--r-pill); overflow: hidden; margin-bottom: var(--sp-3); }
.progress__bar { height: 100%; width: 14%; background: var(--copper-2); border-radius: var(--r-pill); transition: width 0.4s var(--ease); }
.progress__meta {
  display: flex;
  justify-content: space-between;
  gap: var(--sp-3);
  font-size: 0.6875rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-bottom: var(--sp-6);
  max-width: none;
}

[data-step] > h2 { font-size: var(--step-2); margin-bottom: var(--sp-3); }
[data-step] > .step-hint { color: var(--ink-2); font-size: 1rem; margin-bottom: var(--sp-6); }
[data-step][hidden] { display: none; }

.optiongrid { display: grid; gap: var(--sp-3); border: 0; padding: 0; margin: 0 0 var(--sp-5); }
.optiongrid legend { padding: 0; margin: 0 0 var(--sp-4); font-size: 0.9375rem; font-weight: 600; color: var(--ink); }
@media (min-width: 34rem) { .optiongrid--2 { grid-template-columns: 1fr 1fr; } }

.optioncard { position: relative; display: block; }
.optioncard input { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; margin: 0; cursor: pointer; }
.optioncard > span {
  display: block;
  border: 1px solid var(--line-2);
  border-radius: var(--r-sm);
  padding: var(--sp-5);
  background: var(--paper);
  font-weight: 600;
  font-size: 1rem;
  color: var(--ink);
  transition: border-color 0.18s var(--ease), background-color 0.18s var(--ease), box-shadow 0.18s var(--ease);
}
.optioncard small { display: block; font-weight: 300; color: var(--ink-3); margin-top: 0.3rem; font-size: 0.875rem; line-height: 1.5; }
.optioncard input:hover + span { border-color: var(--navy-mid); background: var(--bone); }
.optioncard input:checked + span { border-color: var(--navy); background: var(--paper); box-shadow: inset 0 0 0 1px var(--navy); }
.optioncard input:focus-visible + span { outline: 2px solid var(--copper-2); outline-offset: 2px; }

fieldset[data-invalid="true"] .optioncard > span { border-color: var(--negative); }
fieldset .form-error { display: none; }
fieldset[data-invalid="true"] .form-error { display: block; }

.form-nav {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  justify-content: space-between;
  margin-top: var(--sp-7);
  padding-top: var(--sp-6);
  border-top: 1px solid var(--line-soft);
}
.form-nav__spacer { flex: 1 1 auto; }

/* --------------------------------------------- 17c. Touch ergonomics */
/* On a touch screen every control clears 44px, and adjacent inline links get
   enough vertical padding that they stop being a single mis-tappable strip. */
@media (pointer: coarse) {
  .btn { min-height: 2.875rem; }
  .btn--sm { min-height: 2.75rem; padding-block: 0.75rem; }
  .calc-tab { min-height: 2.875rem; }
  .input, .select, .textarea { min-height: 3rem; font-size: 1.0625rem; }
  .link-arrow { padding-block: 0.55rem; }
  .footer ul { gap: 0.15rem; }
  .footer li a, .footer li { display: inline-block; padding-block: 0.55rem; }
  .nav__link { padding-block: 1.05em; }
  .advanced > summary { padding-block: 0.75rem; }
  .accordion__item summary { padding-block: var(--sp-5); }
  .optioncard > span { padding: var(--sp-5); }
  .checkline { padding-block: 0.35rem; }
  .checkline input[type="checkbox"] { width: 1.25rem; height: 1.25rem; }
}

/* -------------------------------------------------------- 18. Reveal anim */
[data-reveal] {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
[data-reveal].is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
  [data-reveal] { opacity: 1; transform: none; }
}

/* ------------------------------------------------------------- 19. Print */
@media print {
  .topbar, .masthead, .footer, .cta-band, .calc-tabs, .calc-actions,
  .skip-link, .nav__toggle { display: none !important; }
  body { background: #fff; color: #000; font-size: 11pt; font-weight: 400; }
  .section { padding-block: 0.5rem; }
  .result-card { background: #fff !important; color: #000 !important; border: 1px solid #999; }
  .result-card__headline, .result-card__label, .breakdown__name, .breakdown__value,
  .result-card__sub { color: #000 !important; }
  .calc-layout { grid-template-columns: 1fr; }
  .advanced > summary { display: none; }
  .calc-inputs, .card, .chart-wrap { box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
  table.amort { font-size: 8pt; }
  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 8pt; color: #555; }
}

/* Equal Housing Opportunity — required-by-convention on every page of a
   mortgage site, not just the disclosures page. */
.footer__eho { display: flex; align-items: center; gap: .5rem; }
.footer__eho svg { flex: none; opacity: .85; }

/* Build credit. Sits on the copyright line rather than as its own block so it
   reads as attribution, not a second footer. */
.footer__by { display: inline-block; margin-left: .5rem; opacity: .8; }
.footer__by a { text-decoration: underline; text-underline-offset: 2px; }

/* Placeholder shown while a third-party embed is still fetching. Sits in the
   card's own padding so removing it does not shift the iframe. */
.embed { position: relative; min-height: 760px; }
.embed__wait[hidden] { display: none; }
.embed__wait {
  position: absolute; inset: 0; display: flex;
  align-items: center; justify-content: center;
  margin: 0; color: var(--ink-3); font-size: var(--step--1);
}