/* ---------- Fonts (self-hosted, Latin subset; SIL Open Font License, see assets/fonts/README.md) ---------- */
/* The site uses only Charis SIL Bold and Noto Sans 400-700, so those are the only files. */
@font-face {
  font-family: "Charis SIL"; font-style: normal; font-weight: 700; font-display: swap;
  src: url("assets/fonts/charis-sil-700-latin.woff2") format("woff2");
}
@font-face {
  font-family: "Noto Sans"; font-style: normal; font-weight: 400 700; font-display: swap;
  src: url("assets/fonts/noto-sans-latin.woff2") format("woff2");
}
/* Fallbacks resized to the web fonts' proportions, so text barely moves when they arrive (CLS). */
@font-face {
  font-family: "Charis SIL Fallback"; font-weight: 700;
  src: local("Times New Roman Bold"), local("TimesNewRomanPS-BoldMT"), local("Liberation Serif Bold"), local("Times New Roman");
  size-adjust: 113.08%; ascent-override: 105.79%; descent-override: 38.86%; line-gap-override: 0%;
}
@font-face {
  font-family: "Noto Sans Fallback";
  src: local("Arial"), local("ArialMT"), local("Liberation Sans"), local("Helvetica");
  size-adjust: 106.88%; ascent-override: 100.01%; descent-override: 27.41%; line-gap-override: 0%;
}

/* ---------- Tokens ---------- */
:root {
  --paper: #FCFAF8;
  --sand: #F3EEE8;
  --ink: #27272A;
  --navy: #101B33;
  --navy-rgb: 16, 27, 51;
  --blue: #0A66C2;
  --orange: #F78A02;
  --orange-ink: #A04E00; /* orange for text on light backgrounds (WCAG AA) */
  --mute: #A1A1A1;
  --ink-soft: #636264; /* solid (was ink at 72%) so every contrast checker reads it right */
  --line-light: rgba(39, 39, 42, 0.12);
  --line-dark: rgba(252, 250, 248, 0.14);

  --font-display: "Charis SIL", "Charis SIL Fallback", Georgia, serif;
  --font-body: "Noto Sans", "Noto Sans Fallback", Arial, sans-serif;

  --fs-display: clamp(2.6rem, 1.4rem + 5vw, 5.75rem);
  --fs-h2: clamp(2.15rem, 1.35rem + 3.3vw, 4.25rem);
  --fs-h3: clamp(1.45rem, 1.15rem + 1.25vw, 2.35rem);
  --fs-lead: clamp(1.125rem, 1.02rem + 0.4vw, 1.3125rem);
  --fs-body: 1.0625rem;
  --fs-small: 0.875rem;

  --gutter: 16px;
  --container: 1320px;
  --nav-h: 72px;
  --nav-top: 10px;
  /* Space the floating nav occupies from the top of the viewport. */
  --nav-space: calc(var(--nav-top) + var(--nav-h));
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --stage-inset: 12px;
  /* Screen heights for full-screen heroes. script.js swaps these for fixed pixel values,
     re-measured only when the width changes, so mobile toolbars sliding in and out can't
     resize the hero and shift the page (Firefox Android recalculates lvh/svh as they move). */
  --lvh: 100lvh;
  --svh: 100svh;
  --section-y: clamp(80px, 11vw, 160px);

  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
}

@media (min-width: 768px) {
  :root { --gutter: 32px; --nav-h: 84px; --nav-top: 16px; --stage-inset: 32px; }
}
@media (min-width: 1200px) {
  :root { --gutter: 48px; --stage-inset: 56px; }
}
/* Laptop screens (e.g. a 13" MacBook at 1280-1512px wide, or any short window): the desktop
   scale read a little too large, so everything steps down. rem-based sizes shrink with the
   root; the biggest headings, section spacing and nav get their own smaller values. */
@media (min-width: 1024px) and (max-width: 1599px), (min-width: 1024px) and (max-height: 860px) {
  html { font-size: 93.75%; }
  :root {
    --fs-display: clamp(2.4rem, 1rem + 4.2vw, 4.75rem);
    --fs-h2: clamp(2rem, 1rem + 2.9vw, 3.5rem);
    --fs-h3: clamp(1.35rem, 1rem + 1.1vw, 2rem);
    --section-y: clamp(64px, 8vw, 120px);
    --nav-h: 72px;
  }
  .hero-title { font-size: clamp(2.4rem, 1.2rem + 3.3vw, 4.25rem); }
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scrollbar-gutter: stable; scroll-padding-top: calc(var(--nav-space) + 12px); scroll-padding-bottom: 96px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
/* On the homepage the page canvas is navy, so the phone's status-bar area above the
   hero (and overscroll past the navy footer) blends in instead of flashing white. */
body:has(.hero) { background: var(--navy); }
body:has(.hero) main { background: var(--paper); }
img { display: block; max-width: 100%; height: auto; }
figure { margin: 0; }
h1, h2, h3, p { margin: 0; }
ul, ol { margin: 0; padding: 0; }
a { color: inherit; }
button, input { font: inherit; color: inherit; }

:focus-visible {
  outline: 3px solid var(--focus, var(--blue));
  outline-offset: 3px;
  border-radius: 6px;
}

/* Focus ring colour follows the surface so it always clears 3:1 (WCAG 1.4.11):
   blue on light surfaces, orange on navy and over photos, white on brand blue, ink on orange. */
.stage-ink, .hero-card, .offer, .markets-bar, .partner-hero-card, .contact-box,
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) { --focus: var(--orange); }
.inline-cta { --focus: #fff; }
.duty-you, .asset-tile--cta:hover { --focus: var(--ink); }
.join-card, .nav-dropdown, .mobile-menu { --focus: var(--blue); }

.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;
}
.skip-link {
  position: fixed; left: 16px; top: -60px; z-index: 100;
  background: var(--ink); color: var(--paper); padding: 10px 16px; border-radius: 8px;
  text-decoration: none; font-weight: 600;
}
.skip-link:focus { top: 12px; }

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

/* ---------- Type ---------- */
.h2, .h3, .hero-title, .offer-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-optical-sizing: auto;
}
.h2 { font-size: var(--fs-h2); line-height: 1.02; letter-spacing: -0.01em; text-wrap: balance; }
.h3 { font-size: var(--fs-h3); line-height: 1.08; letter-spacing: -0.01em; text-wrap: balance; }
.lead { font-size: var(--fs-lead); line-height: 1.55; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.8125rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 20px;
}
.eyebrow::before {
  content: ""; width: 7px; height: 12px;
  background: currentColor;
  clip-path: polygon(0 0, 100% 50%, 0 100%, 0 78%, 60% 50%, 0 22%);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 44px; padding: 10px 20px;
  border-radius: 999px; border: 1.5px solid transparent;
  font-weight: 600; font-size: 0.975rem; line-height: 1.2;
  text-decoration: none; cursor: pointer;
  transition: background-color .2s ease, color .2s ease, border-color .2s ease, transform .2s var(--ease-out);
}
.btn:active { transform: translateY(1px); }
.btn-lg { min-height: 52px; padding: 14px 26px; font-size: 1.0625rem; }
.btn-block { width: 100%; }

.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--orange); color: var(--ink); }

.btn-quiet { color: var(--mute); border-color: rgba(161, 161, 161, .5); }
.btn-quiet:hover { color: var(--ink); background: var(--orange); border-color: var(--orange); }

.btn-invert { background: var(--paper); color: var(--blue); }
.btn-invert:hover { background: var(--orange); color: var(--ink); }

/* ---------- Nav ---------- */
.site-nav {
  position: fixed; top: var(--nav-top); left: 0; right: 0; z-index: 50;
  padding-inline: var(--gutter);
  pointer-events: none;
}
.nav-inner {
  pointer-events: auto;
  height: var(--nav-h);
  max-width: calc(var(--container) - 2 * var(--gutter)); margin-inline: auto;
  padding: 0 14px 0 24px;
  display: flex; align-items: center; gap: 24px;
  border-radius: 999px;
  /* At the top of the page the bar has no fill and sits directly on the page/hero. */
  background: transparent;
  box-shadow: none;
  transition: box-shadow .3s ease, background-color .3s ease;
}
/* Once content scrolls underneath (or the mobile menu opens), the paper pill returns so links stay legible. */
.site-nav.is-scrolled .nav-inner, .menu-open .site-nav .nav-inner {
  background: rgba(252, 250, 248, 0.9);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
  box-shadow: 0 0 0 1px rgba(39, 39, 42, 0.06), 0 8px 24px rgba(39, 39, 42, 0.08);
}
/* Extra room under the logo's tagline; links and buttons stay centered in the bar. */
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; min-height: 44px; align-self: stretch; padding-bottom: 8px; }
.brand-logo { height: 46px; width: auto; flex: none; }
@media (min-width: 768px) { .brand-logo { height: 58px; } }

/* Over the dark homepage photo: white logo and light links until the bar fills in. */
.brand-logo--light { display: none; }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .brand-logo--light { display: block; }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .brand-logo--light ~ .brand-logo { display: none; }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .nav-links { color: var(--paper); }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .nav-folder-toggle:hover { background: rgba(252, 250, 248, 0.14); }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .menu-toggle { border-color: var(--line-dark); }
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .menu-bars,
body:not(.menu-open) .site-nav--on-dark:not(.is-scrolled) .menu-bars::before { background: var(--paper); }

.nav-links { display: none; gap: 4px; }
.nav-links a {
  position: relative; padding: 10px 16px; border-radius: 999px;
  text-decoration: none; font-weight: 500; font-size: 1.0625rem;
  transition: color .2s ease;
}
.nav-links a::after {
  content: ""; position: absolute; left: 16px; right: 16px; bottom: 5px; height: 2px;
  background: var(--orange); transform: scaleX(0); transform-origin: left;
  transition: transform .3s var(--ease-out);
}
.nav-links a:hover::after, .nav-links a[aria-current="true"]::after { transform: scaleX(1); }

.nav-folder { position: relative; display: flex; align-items: center; }
.nav-folder-link {
  position: relative; padding: 10px 6px 10px 16px; border-radius: 999px;
  text-decoration: none; font-weight: 500; font-size: 1.0625rem;
  transition: color .2s ease;
}
.nav-folder-link::after {
  content: ""; position: absolute; left: 16px; right: 6px; bottom: 5px; height: 2px;
  background: var(--orange); transform: scaleX(0); transform-origin: left;
  transition: transform .3s var(--ease-out);
}
.nav-folder-link:hover::after, .nav-folder-link[aria-current="true"]::after { transform: scaleX(1); }
.nav-folder-toggle {
  width: 32px; height: 32px; margin-right: 4px; border: 0; border-radius: 999px;
  background: transparent; color: inherit; cursor: pointer; display: grid; place-items: center;
}
.nav-folder-toggle:hover { background: rgba(39, 39, 42, 0.06); }
.nav-folder-toggle svg {
  width: 11px; height: 11px; fill: none; stroke: currentColor; stroke-width: 2;
  stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease-out);
}
.nav-folder-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute; top: calc(100% + 10px); left: 0; z-index: 5;
  min-width: 248px; padding: 8px; display: flex; flex-direction: column; gap: 2px;
  background: var(--paper); border-radius: 16px;
  box-shadow: 0 0 0 1px rgba(39, 39, 42, 0.06), 0 16px 40px rgba(39, 39, 42, 0.14);
  /* Closed: visibility hidden too, so screen readers don't read the off-screen links. Focusing
     the folder opens it (script.js) before Tab moves into it. */
  opacity: 0; transform: translateY(-6px); pointer-events: none; visibility: hidden;
  transition: opacity .12s ease, transform .12s var(--ease-out), visibility 0s .12s;
}
/* Invisible bridge over the gap under the link, so the pointer never "leaves" on the way down. */
.nav-dropdown::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.nav-dropdown.is-open, .nav-folder:hover .nav-dropdown { opacity: 1; transform: none; pointer-events: auto; visibility: visible; transition-delay: 0s; }
.nav-dropdown a {
  padding: 11px 14px; border-radius: 10px; color: var(--ink);
  text-decoration: none; font-weight: 500; font-size: 0.9375rem;
  transition: background-color .15s ease, color .15s ease;
}
.nav-dropdown a:hover { background: rgba(39, 39, 42, 0.06); color: var(--blue); }

.nav-folder-link.is-active::after { transform: scaleX(1); }

.nav-actions { display: flex; align-items: center; gap: 10px; }
.nav-actions .btn { display: none; }

.menu-toggle {
  width: 44px; height: 44px; border-radius: 999px; border: 1.5px solid var(--line-light);
  background: transparent; cursor: pointer; display: grid; place-items: center;
}
.menu-bars, .menu-bars::before {
  display: block; width: 18px; height: 2px; background: var(--ink); border-radius: 2px;
  transition: transform .3s var(--ease-out);
}
.menu-bars { position: relative; transform: translateY(-3px); }
.menu-bars::before { content: ""; position: absolute; left: 0; top: 6px; }
.menu-toggle[aria-expanded="true"] .menu-bars { transform: translateY(0) rotate(45deg); }
.menu-toggle[aria-expanded="true"] .menu-bars::before { transform: translateY(-6px) rotate(-90deg); }

.mobile-menu {
  pointer-events: auto;
  position: fixed; top: calc(var(--nav-space) + 8px); left: var(--gutter); right: var(--gutter);
  max-height: calc(100svh - var(--nav-space) - 24px); overflow: auto;
  background: rgba(252, 250, 248, 0.96);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
  border-radius: 28px;
  padding: 12px 24px 24px;
  display: flex; flex-direction: column; gap: 28px;
  box-shadow: 0 0 0 1px rgba(39, 39, 42, 0.06), 0 16px 40px rgba(39, 39, 42, 0.14);
}
.mobile-menu[hidden] { display: none; }
.mobile-menu {
  clip-path: inset(0 0 100% 0 round 28px);
  transition: clip-path .42s var(--ease-out);
}
.mobile-menu.is-open { clip-path: inset(-48px -48px -48px -48px round 28px); }
.mobile-menu nav a, .mobile-menu > .btn {
  opacity: 0; transform: translateY(-14px);
  transition: opacity .3s ease, transform .45s var(--ease-out);
}
.mobile-menu.is-open nav a, .mobile-menu.is-open > .btn {
  opacity: 1; transform: none;
  transition-delay: calc(80ms + var(--i, 0) * 55ms);
}
.mobile-menu nav > :nth-child(2) { --i: 1; }
.mobile-menu nav > :nth-child(3) { --i: 2; }
.mobile-menu nav > :nth-child(4) { --i: 3; }
.mobile-menu > .btn { --i: 4; }
.mobile-menu nav { display: flex; flex-direction: column; }
.mobile-menu nav a, .mobile-group-title {
  font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; letter-spacing: -0.01em;
  text-decoration: none; padding: 12px 0; border-bottom: 1px solid var(--line-light);
  -webkit-tap-highlight-color: transparent;
}

/* Sections with sub-pages stay expanded: title, then its links hung off a thin rule. */
.mobile-group {
  border-bottom: 1px solid var(--line-light);
  opacity: 0; transform: translateY(-14px);
  transition: opacity .3s ease, transform .45s var(--ease-out);
}
.mobile-menu.is-open .mobile-group {
  opacity: 1; transform: none;
  transition-delay: calc(80ms + var(--i, 0) * 55ms);
}
.mobile-menu .mobile-group a { opacity: 1; transform: none; }
.mobile-menu .mobile-group-title { display: block; padding-bottom: 6px; border-bottom: 0; }
.mobile-sublist {
  list-style: none; margin: 0 0 14px; padding-left: 16px;
  border-left: 2px solid var(--orange);
}
.mobile-menu .mobile-sublist a {
  display: flex; align-items: center; min-height: 44px;
  font-family: var(--font-body); font-weight: 500; font-size: 1.0625rem; letter-spacing: normal;
  padding: 0; border-bottom: 0; color: var(--ink-soft);
}
.mobile-menu .mobile-sublist a:active { color: var(--blue); }
/* Touch screens: no hover states in the nav (they stick after a tap). */
@media (hover: none) {
  .nav-actions .btn-primary:hover { background: var(--blue); color: #fff; }
}

@media (min-width: 640px) {
  .nav-actions .btn-primary { display: inline-flex; }
}
@media (min-width: 768px) {
  .nav-inner { padding: 0 18px 0 32px; }
}
@media (min-width: 1024px) {
  /* Equal side columns keep the links centered on the bar, whatever the logo/button widths. */
  .nav-inner { display: grid; grid-template-columns: 1fr auto 1fr; padding-inline: 28px; }
  .brand { margin-right: 0; justify-self: start; }
  .nav-links { display: flex; }
  .nav-actions { justify-self: end; }
  .nav-actions .btn { display: inline-flex; }
  .menu-toggle, .mobile-menu { display: none !important; }
}

/* ---------- Hero ---------- */
/* Fills the whole screen. lvh reaches under mobile browsers' floating toolbars, so the
   photo runs to the bottom edge instead of stopping short above a white strip. */
.hero { min-height: var(--lvh); margin-bottom: clamp(24px, 3vw, 40px); }
.hero-card {
  /* Horizontal inset that lines hero content up with the nav/container edge. */
  --edge: calc(max(0px, (100% - var(--container)) / 2) + var(--gutter));
  position: relative;
  height: var(--lvh);
  min-height: 560px;
  overflow: hidden;
  background: var(--navy);
  color: var(--paper);
  display: flex; flex-direction: column; justify-content: flex-end;
  transform-origin: 50% 0;
  isolation: isolate;
}
.hero-img {
  position: absolute; inset: -6% 0 0 0; z-index: -2;
  width: 100%; height: 106%;
  object-fit: cover; object-position: 30% 20%;
}
/* The portrait source is already cropped around the subject. */
@media (orientation: portrait) { .hero-img { object-position: 50% 30%; } }
.hero-shade {
  position: absolute; inset: 0; z-index: -1;
  /* Top band keeps the transparent nav's white links legible over bright photos. */
  background:
    linear-gradient(180deg, rgba(var(--navy-rgb), .55) 0, rgba(var(--navy-rgb), .22) 110px, rgba(var(--navy-rgb), 0) 220px),
    linear-gradient(180deg, rgba(var(--navy-rgb), 0) 15%, rgba(var(--navy-rgb), .9) 100%),
    linear-gradient(90deg, rgba(var(--navy-rgb), .78) 0%, rgba(var(--navy-rgb), .45) 60%, rgba(var(--navy-rgb), .15) 100%);
}
.hero-content {
  /* The extra (lvh - svh) keeps the buttons clear of the toolbar sitting over the photo. */
  padding: 0 var(--edge) calc(clamp(32px, 6vw, 72px) + var(--lvh) - var(--svh));
  max-width: calc(820px + 2 * var(--edge));
}
.hero-title {
  font-size: clamp(2.4rem, 1.5rem + 3.6vw, 4.6rem); line-height: 1.02; letter-spacing: -0.01em;
  text-wrap: balance;
}
.hero-lead { margin-top: 18px; font-size: var(--fs-lead); line-height: 1.5; max-width: 36ch; color: var(--paper); }

.hero-paths { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.pill {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 52px; padding: 12px 26px; border-radius: 999px; border: 0; cursor: pointer;
  background: var(--paper); color: var(--ink);
  font-weight: 600; text-decoration: none; white-space: nowrap;
  transition: background-color .2s ease, color .2s ease, box-shadow .2s ease, transform .3s var(--ease-out);
}
.pill:hover { background: var(--orange); color: var(--ink); transform: translateY(-2px); }
.pill-primary { background: var(--blue); color: #fff; }
.pill-ghost { background: transparent; color: var(--paper); box-shadow: inset 0 0 0 1.5px rgba(252, 250, 248, .7); }
.pill-ghost:hover { box-shadow: none; }

@media (min-width: 768px) {
  .pill { min-height: 58px; padding: 14px 30px; font-size: 1.0625rem; }
}
@media (min-width: 1280px) {
  .hero-shade {
    background:
      linear-gradient(180deg, rgba(var(--navy-rgb), .55) 0, rgba(var(--navy-rgb), .22) 110px, rgba(var(--navy-rgb), 0) 220px),
      linear-gradient(180deg, rgba(var(--navy-rgb), 0) 30%, rgba(var(--navy-rgb), .75) 100%),
      linear-gradient(90deg, rgba(var(--navy-rgb), .88) 0%, rgba(var(--navy-rgb), .62) 42%, rgba(var(--navy-rgb), 0) 72%);
  }
}

/* ---------- Sections ---------- */
.section { padding-block: var(--section-y); }
.section-paper { background: var(--paper); color: var(--ink); }

/* ---------- Interior page header (no photo hero) ---------- */
.page-header {
  padding-top: calc(var(--nav-space) + clamp(48px, 8vw, 96px));
  padding-bottom: clamp(40px, 5vw, 64px);
}
.page-header .h2 { max-width: 22ch; }
.page-header .lead { margin-top: 20px; max-width: 56ch; color: var(--ink-soft); }
.page-header-back {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 28px; font-weight: 600; text-decoration: none; color: var(--blue);
}
.page-header-back svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.page-header-back:hover { color: var(--orange); }
.page-empty { padding-bottom: clamp(96px, 14vw, 200px); }

/* ---------- 404 ---------- */
.notfound-grid { display: grid; gap: clamp(48px, 6vw, 72px); }
.notfound-links { margin-top: 24px; padding: 0; list-style: none; border-top: 1px solid var(--line-light); }
.notfound-links li { border-bottom: 1px solid var(--line-light); }
.notfound-links a {
  display: grid; gap: 4px; padding: 18px 0;
  color: var(--ink); text-decoration: none;
}
.notfound-name { font-weight: 600; }
.notfound-desc { color: var(--ink-soft); }
.notfound-links a:hover .notfound-name { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }
.notfound-help { align-self: start; padding: clamp(28px, 4vw, 40px); background: var(--sand); border-radius: var(--radius-lg); }
.notfound-help p { color: var(--ink-soft); margin-top: 12px; max-width: 36ch; }
.notfound-help .notfound-phone { margin: 20px 0 24px; }
.notfound-phone a { font-size: var(--fs-lead); font-weight: 600; color: var(--ink); }
@media (min-width: 900px) {
  .notfound-grid { grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); align-items: start; }
  .notfound-links a { grid-template-columns: minmax(0, 15rem) minmax(0, 1fr); gap: 24px; align-items: baseline; }
  .notfound-help { margin-top: 64px; }
}

.stage {
  --p: 1;
  margin-top: 0;
  clip-path: inset(0 calc((1 - var(--p)) * var(--stage-inset)) round calc((1 - var(--p)) * 36px));
}
.stage-ink { background: var(--navy); color: var(--paper); }
.stage-ink .eyebrow { color: var(--orange); }
.stage-ink p:not(.eyebrow):not(.lead) { color: #D4D4D8; }

/* ---------- About ---------- */
/* ---------- Loan types ---------- */
.fin-head {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 24px 40px;
  margin-bottom: clamp(40px, 5vw, 72px);
}
.fin-head .h2 { max-width: 16ch; }
/* Loan types: a plain ruled list, read like a rate sheet. Whole row is the link. */
/* Loan explorer: each program's button is followed by its details in the page, so Tab goes
   name -> its details (when open) -> next name, on every screen size.
   Phones: a compact list; the open loan's details sit directly under its name.
   Desktop (1024+): the names stack as a menu beside one large, sticky detail panel. */
.loan-explorer { display: flex; flex-direction: column; border-top: 1px solid var(--line-dark); }

.loan-tab {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  width: 100%; min-height: 72px; padding: 22px 0;
  border: 0; border-bottom: 1px solid var(--line-dark); background: none; color: var(--paper);
  font: 700 1.25rem/1.2 var(--font-display); letter-spacing: -0.01em; text-align: left; cursor: pointer;
  -webkit-tap-highlight-color: transparent;
}
.loan-tab::after {
  content: ""; flex: none; width: 9px; height: 9px; margin-right: 4px;
  border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: translateY(-3px) rotate(45deg); transition: transform .3s var(--ease-out);
}
.loan-tab[aria-expanded="true"] { color: var(--orange); border-bottom-color: transparent; }
.loan-tab[aria-expanded="true"]::after { transform: translateY(2px) rotate(225deg); }
.loan-tab:focus-visible { outline: 2px solid var(--orange); outline-offset: 2px; }

.loan-panel { padding: 0 0 28px; border-bottom: 1px solid var(--line-dark); display: flex; flex-direction: column; }
.loan-panel[hidden] { display: none; }
.loan-panel:not([hidden]) { animation: panel-in .45s var(--ease-out); }
@keyframes panel-in { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.loan-panel-name { display: none; }
.loan-panel-summary { color: #D4D4D8; line-height: 1.55; }
.loan-panel-facts { margin: 18px 0; display: grid; border-top: 1px solid var(--line-dark); }
.loan-panel-facts > div {
  display: grid; grid-template-columns: 8.5rem minmax(0, 1fr); gap: 12px; align-items: baseline;
  padding: 13px 0; border-bottom: 1px solid var(--line-dark);
}
.loan-panel-facts dt { font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--orange); }
.loan-panel-facts dd { margin: 0; font-weight: 600; font-size: 0.9375rem; line-height: 1.4; color: var(--paper); }

.loan-points { list-style: none; display: grid; gap: 10px; max-width: 64ch; }
.loan-points li { position: relative; padding-left: 20px; color: #D4D4D8; font-size: 0.9375rem; line-height: 1.55; }
.loan-points li::before {
  content: ""; position: absolute; left: 0; top: .6em; width: 7px; height: 7px;
  border-radius: 999px; background: var(--orange);
}
.loan-more {
  display: flex; align-items: center; justify-content: center; gap: 10px; margin-top: 22px; min-height: 48px;
  padding: 0 24px; border-radius: 999px; background: var(--orange);
  color: var(--navy); font-weight: 700; text-decoration: none;
  transition: background-color .25s ease;
}
.more-long { display: none; }
.loan-more svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .3s var(--ease-out); }
.loan-more:hover { background: var(--paper); }
.loan-more:hover svg { transform: translateX(3px); }
.loan-more:focus-visible { outline: 3px solid var(--paper); outline-offset: 3px; }

@media (min-width: 1024px) {
  /* Names fill column 1, one per row; every panel spans all six rows of column 2. The last row
     takes any spare height so the names stay packed at the top. */
  .loan-explorer {
    display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); grid-template-rows: repeat(5, auto) 1fr;
    column-gap: clamp(32px, 4vw, 64px); align-items: start; border-top: 0;
  }
  .loan-tab:first-of-type { border-top: 1px solid var(--line-dark); }
  .loan-tab {
    grid-column: 1; position: relative; min-height: 0; padding: 22px 0 22px 20px; border-bottom: 1px solid var(--line-dark);
    font-size: clamp(1.25rem, 1rem + 0.6vw, 1.6rem); line-height: 1.15; color: #92969F; /* paper at 55% on navy, as a solid color */
  }
  .loan-tab::after { display: none; }
  .loan-tab::before {
    content: ""; position: absolute; left: 0; top: 18px; bottom: 18px; width: 3px; border-radius: 3px;
    background: var(--orange); transform: scaleY(0); transition: transform .3s var(--ease-out);
  }
  .loan-tab:hover { color: var(--paper); }
  .loan-tab[aria-expanded="true"] { color: var(--paper); border-bottom-color: var(--line-dark); }
  .loan-tab[aria-expanded="true"]::before { transform: scaleY(1); }
  .loan-tab:focus-visible { outline-offset: -2px; }

  /* All panels share one cell; inactive ones stay in layout but invisible, so the section is
     always as tall as the longest loan and never resizes when switching. */
  .loan-panel[hidden] { display: block; visibility: hidden; }
  .loan-panel {
    grid-column: 2; grid-row: 1 / span 6; align-self: stretch; display: flex; flex-direction: column;
    padding: clamp(24px, 4vw, 48px); border-bottom: 0; border-radius: var(--radius-xl);
    background: rgba(252, 250, 248, 0.05); box-shadow: inset 0 0 0 1px var(--line-dark);
  }
  .loan-panel-name {
    display: block; font-family: var(--font-display); font-weight: 700; letter-spacing: -0.015em;
    font-size: clamp(1.75rem, 1.3rem + 1.8vw, 3rem); line-height: 1.05; color: var(--paper);
  }
  .loan-panel-summary { margin-top: 14px; max-width: 52ch; font-size: var(--fs-lead); line-height: 1.5; }
  .loan-panel-facts { margin: clamp(24px, 3vw, 36px) 0; grid-template-columns: repeat(3, minmax(0, 1fr)); border-bottom: 1px solid var(--line-dark); }
  .loan-panel-facts > div { grid-template-columns: none; gap: 4px; align-content: start; padding: 18px 20px 18px 0; border-bottom: 0; }
  .loan-panel-facts > div + div { padding-left: 20px; border-left: 1px solid var(--line-dark); }
  .loan-panel-facts dt { font-size: 0.75rem; }
  .loan-panel-facts dd { font-size: 1rem; }
  .loan-points { gap: 12px; }
  .loan-points li { padding-left: 22px; font-size: 1rem; }
  .loan-points li::before { width: 8px; height: 8px; top: .62em; }
  /* The button sits at the foot of the card, however short the loan's details. */
  .loan-more { display: inline-flex; align-self: flex-start; margin-top: auto; }
  .loan-panel .loan-points { margin-bottom: 28px; }
  .more-short { display: none; }
  .more-long { display: inline; }
}
@media (hover: none) {
  .loan-more:hover { background: var(--orange); }
}

/* ---------- Nationwide map ---------- */
.nation-grid { display: grid; gap: clamp(40px, 6vw, 72px); align-items: center; }
.nation-copy { max-width: 34rem; }
.nation-copy .h2 { max-width: 12ch; }
.nation-copy .lead { margin-top: 24px; color: var(--ink-soft); }
.nation-copy .btn { margin-top: 32px; }
.nation-foot { margin-top: 20px; font-size: 0.875rem; color: var(--ink-soft); }
.nation-map { margin: 0; }
.nation-map img { display: block; width: 100%; height: auto; } /* assets/us-dots.svg */
@media (min-width: 900px) {
  .nation-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); }
}
/* The map draws in west to east as the section enters. */
.js .nation-map img { clip-path: inset(0 100% 0 0); transition: clip-path 1.6s var(--ease-out) .2s; }
.js .nation-grid.is-in .nation-map img { clip-path: inset(0 -1% 0 0); }


/* ---------- Contact CTA ---------- */
.contact-cta { background: var(--paper); color: var(--ink); padding-block: clamp(56px, 7vw, 96px); }
.contact-box {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px;
  padding: clamp(28px, 4vw, 44px); border-radius: var(--radius-lg);
  background: var(--navy); color: var(--paper);
}
.contact-box .eyebrow { color: var(--orange); margin-bottom: 12px; }
.contact-box h2 { max-width: 26ch; }
.contact-box-text { margin-top: 10px; color: #D4D4D8; max-width: 46ch; }
.contact-box-text a { color: var(--paper); font-weight: 600; text-underline-offset: 3px; }
.contact-box-text a:hover { color: var(--orange); }
/* Quiet line under the contact box pointing referral partners to their own page. */
.partner-note {
  display: flex; flex-direction: column; align-items: center; gap: 4px;
  margin-top: 28px; color: var(--ink-soft); text-align: center;
}
.partner-note .intro-link {
  display: inline; align-self: center; margin-top: 0; padding-block: 10px; line-height: 1.6;
  border-bottom: 0; text-decoration: underline; text-decoration-thickness: 1.5px; text-underline-offset: 5px;
}
.partner-note .intro-link svg { display: inline; vertical-align: -2px; margin-left: 6px; }

/* ---------- Team ---------- */
.team-head { max-width: 760px; }
.team-head .lead { margin-top: 16px; color: var(--ink-soft); }
.team-photo-wide { margin: clamp(28px, 4vw, 48px) 0 0; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 3; }
.team-photo-wide img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 30%; }
@media (min-width: 768px) { .team-photo-wide { aspect-ratio: 16 / 9; } }


/* Reveal: a short fade-up as each block enters. */
.js [data-reveal] { opacity: 0; transform: translateY(12px); transition: opacity .4s ease, transform .5s var(--ease-out); }
.js [data-reveal].is-in { opacity: 1; transform: none; }

/* ---------- FAQ ---------- */
.faq-head {
  display: grid; gap: 16px 48px; align-items: end;
  margin-bottom: clamp(32px, 5vw, 64px);
}
.faq-head .h2 { max-width: 18ch; }

/* Two independent columns (not a row grid), so opening an answer only pushes down
   the questions below it and never leaves a hole beside it. */
.faq-list { display: grid; align-items: start; }
.faq-col { min-width: 0; border-top: 1px solid var(--line-light); }
.faq-col + .faq-col { border-top: 0; }
.faq-item { border-bottom: 1px solid var(--line-light); }
.faq-item summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 22px 0; min-height: 44px;
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.125rem, 1rem + 0.45vw, 1.375rem); line-height: 1.25; letter-spacing: -0.015em;
  overflow-wrap: anywhere;
  -webkit-tap-highlight-color: transparent;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover .faq-icon::before, .faq-item summary:hover .faq-icon::after { background: var(--blue); }
.faq-item summary:focus-visible { outline: 2px solid var(--blue); outline-offset: 4px; border-radius: 4px; }
/* Plain line plus; the vertical bar folds flat into a minus when open. */
.faq-icon { position: relative; flex: none; width: 18px; height: 18px; margin-right: 2px; }
.faq-icon::before, .faq-icon::after {
  content: ""; position: absolute; left: 0; top: 50%; width: 18px; height: 2px; margin-top: -1px;
  background: var(--ink); border-radius: 2px;
  transition: transform .4s var(--ease-out), background-color .2s ease;
}
.faq-icon::after { transform: rotate(90deg); }
.faq-item[open]:not(.is-closing) .faq-icon::after { transform: rotate(0deg); }
.faq-answer { overflow: hidden; }
.faq-answer p { padding: 0 38px 24px 0; color: var(--ink-soft); max-width: 60ch; }

.faq-more {
  display: flex; flex-direction: column; align-items: center; gap: 20px;
  margin-top: clamp(40px, 5vw, 64px); padding: clamp(24px, 4vw, 36px); border-radius: var(--radius-lg);
  background: var(--sand); text-align: center;
}
.faq-more-title { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.25rem, 1.1rem + 0.5vw, 1.5rem); line-height: 1.3; color: var(--ink); }
@media (max-width: 479px) {
  .faq-more .btn { width: 100%; justify-content: center; }
}

@media (min-width: 1024px) {
  .faq-head { grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); }
}
@media (min-width: 768px) {
  .faq-list { grid-template-columns: 1fr 1fr; column-gap: clamp(32px, 5vw, 72px); }
  .faq-col + .faq-col { border-top: 1px solid var(--line-light); }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--blue); color: #fff;
  padding-top: clamp(72px, 9vw, 128px);
}
.site-footer a { color: #fff; text-decoration: underline; text-decoration-color: rgba(255, 255, 255, .4); text-underline-offset: 4px; }
.site-footer a:hover { text-decoration-color: #fff; text-decoration-thickness: 2px; }
.site-footer .btn { text-decoration: none; color: var(--blue); }
.site-footer .btn:hover { color: var(--ink); }
.site-footer :focus-visible { outline-color: #fff; }

.footer-top { display: grid; gap: 56px; padding-bottom: clamp(64px, 8vw, 112px); }
.footer-logo { width: clamp(150px, 16vw, 210px); height: auto; margin-bottom: clamp(32px, 4vw, 48px); }
.footer-lead {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.75rem, 1.2rem + 2.2vw, 3rem); line-height: 1.08; letter-spacing: -0.01em;
  max-width: 18ch; margin-bottom: 28px;
}
.footer-cols { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 40px 24px; }
.footer-cols li { overflow-wrap: anywhere; }
.footer-h {
  font-family: var(--font-body); font-size: 0.8125rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase; margin-bottom: 16px;
}
.footer-cols ul { list-style: none; display: grid; gap: 10px; line-height: 1.5; }
.footer-cols li a { display: inline-block; padding-block: 2px; }

.footer-base { background: var(--navy); }
.footer-bottom {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 32px;
  padding-block: 22px;
  font-size: var(--fs-small);
}
/* Studio credit: its own quiet line under the legal row. */
.footer-credit { flex-basis: 100%; font-size: 0.75rem; opacity: .8; }

@media (min-width: 900px) {
  .footer-top { grid-template-columns: 1fr 1fr; align-items: start; }
  .footer-cols { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

/* ---------- Bookmark CTA ---------- */
.bookmark {
  position: fixed; left: var(--gutter); bottom: 0; z-index: 40;
  display: flex; align-items: center; gap: 10px;
  padding: 10px 16px 12px 10px;
  border: 0; border-radius: 12px 12px 0 0; cursor: pointer;
  background: var(--blue); color: #fff;
  font-family: var(--font-display); font-weight: 700; font-size: 0.9rem;
  line-height: 1.02; letter-spacing: 0.02em; text-transform: uppercase; text-align: left;
  /* Orange ring sits behind the tab; on the edge attached to the screen it falls off-screen, so blue meets the edge. */
  --ring: var(--orange);
  box-shadow: 0 0 0 3px var(--ring), 0 -8px 24px rgba(39, 39, 42, .18);
  transform: translateY(0);
  transition: transform .35s var(--ease-out), padding .35s var(--ease-out), background-color .2s ease, color .2s ease, box-shadow .2s ease;
}
/* Blue runs on past the bottom of the viewport, so when a phone's floating toolbar leaves
   page showing below the tab, the tab still reads as attached to the screen edge. */
.bookmark::after {
  content: ""; position: absolute; left: 0; right: 0; top: calc(100% - 1px); height: 160px;
  background: inherit;
  box-shadow: -3px 0 0 var(--ring), 3px 0 0 var(--ring);
  transition: box-shadow .2s ease;
}
.bookmark:hover { --ring: var(--blue); padding-bottom: 20px; background: var(--orange); color: var(--ink); }
.bookmark-mark {
  flex: none; width: 38px; height: 38px; border-radius: 9px;
  display: grid; place-items: center; background: #fff;
}
.bookmark-mark img { width: 28px; height: 28px; }
.bookmark-text { display: flex; flex-direction: column; }
.bookmark.is-leaving { animation: bookmark-leave .55s cubic-bezier(.55, 0, .75, .4) forwards; pointer-events: none; }
.bookmark.is-gone { transform: translateY(140%); visibility: hidden; }
.bookmark.is-returning { animation: bookmark-return .5s var(--ease-out) forwards; }
.bookmark.is-parked { transform: translateY(150%); visibility: hidden; transition: transform .6s var(--ease-out), visibility 0s .6s; }
.menu-open .bookmark { visibility: hidden; }

@keyframes bookmark-leave { to { transform: translateY(150%); } }
@keyframes bookmark-return { from { transform: translateY(150%); } to { transform: translateY(0); } }

@media (min-width: 768px) {
  .bookmark { font-size: 1.2rem; gap: 14px; padding: 14px 24px 16px 14px; }
  .bookmark:hover { padding-bottom: 24px; }
  .bookmark-mark { width: 48px; height: 48px; border-radius: 11px; }
  .bookmark-mark img { width: 36px; height: 36px; }
}

/* ---------- Offer dialog ---------- */
/* Sized to fit the screen rather than scroll: the dialog is a flex column capped at the
   viewport, and the message box is the one part that shrinks (down to a few lines) when the
   rest doesn't fit. Only on very short screens does the panel itself scroll. */
.offer {
  width: min(1120px, calc(100% - 2 * var(--gutter)));
  max-height: calc(100svh - 32px); max-height: calc(100dvh - 32px);
  padding: 0; border: 0; border-radius: var(--radius-lg);
  background: var(--navy); color: var(--paper);
  overflow: auto; overscroll-behavior: contain;
}
.offer[open] { display: flex; flex-direction: column; }
html.is-locked { overflow: hidden; }
.offer::backdrop { background: rgba(var(--navy-rgb), .6); }
.offer[open] { animation: offer-in .45s var(--ease-out); }
.offer[open]::backdrop { animation: fade-in .45s ease; }
.offer.is-closing { animation: offer-out .25s ease forwards; }
.offer.is-closing::backdrop { animation: fade-out .25s ease forwards; }
@keyframes offer-in { from { opacity: 0; transform: translateY(24px) scale(.97); } to { opacity: 1; transform: none; } }
@keyframes offer-out { to { opacity: 0; transform: translateY(12px) scale(.98); } }
@keyframes fade-in { from { opacity: 0; } }
@keyframes fade-out { to { opacity: 0; } }

.offer-inner { display: grid; grid-template-rows: minmax(0, 1fr); flex: 0 1 auto; min-height: 0; }
/* Left column: logo, one portrait photo at its natural proportions, direct contact lines. */
.offer-aside { padding: 28px 24px 0; }
.offer-logo { width: 120px; height: auto; }
.offer-photo, .offer-reach { display: none; }
.offer-photo { aspect-ratio: 4 / 5; overflow: hidden; border-radius: var(--radius-md); margin-top: 32px; }
.offer-photo img { width: 100%; height: 100%; object-fit: cover; }
.offer-reach { list-style: none; margin-top: 24px; gap: 12px; font-size: var(--fs-small); }
.offer-reach li { display: grid; gap: 2px; }
.offer-reach span { font-size: 0.75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--mute); }
.offer-reach a { color: var(--paper); text-decoration: underline; text-decoration-color: rgba(252, 250, 248, .35); text-underline-offset: 4px; }
.offer-reach a:hover { text-decoration-color: var(--paper); }
.offer-panel {
  position: relative; padding: 24px 20px 24px; min-height: 0; overflow-y: auto; overscroll-behavior: contain;
  display: flex; flex-direction: column; justify-content: center;
}
.offer-form-wrap { display: flex; flex-direction: column; flex: 0 1 auto; min-height: 0; }
.offer-panel .eyebrow { color: var(--orange); }
.offer-title {
  font-size: clamp(2rem, 1.4rem + 2.4vw, 3.25rem); line-height: 1; letter-spacing: -0.01em;
  text-wrap: balance;
}
.offer-text { margin-top: 12px; color: #D4D4D8; }
.offer-form { margin-top: 20px; display: flex; flex-direction: column; gap: 8px; flex: 0 1 auto; min-height: 0; }
.offer-form label { font-size: var(--fs-small); font-weight: 600; color: var(--paper); }
.offer-form input {
  min-height: 48px; padding: 10px 14px; border-radius: 10px;
  border: 1.5px solid transparent; background: var(--paper); color: var(--ink);
}
.offer-form input::placeholder, .offer-form textarea::placeholder { color: #71717A; }
.offer-form input:focus-visible, .offer-form textarea:focus-visible { outline: 3px solid var(--orange); outline-offset: 2px; }
.offer-form input[aria-invalid="true"], .offer-form textarea[aria-invalid="true"] { border-color: var(--orange); }
.offer-form textarea {
  flex: 1 1 auto; height: 104px; min-height: 64px; padding: 10px 14px; border-radius: 10px;
  border: 1.5px solid transparent; background: var(--paper); color: var(--ink);
  font: inherit; resize: vertical;
}
.offer-form-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 8px 10px; }
.offer-form-row > div { display: grid; align-content: start; gap: 8px; min-width: 0; }
.offer-form-row input { width: 100%; }
.offer-form .btn { margin-top: 6px; }
.offer-error { font-size: var(--fs-small); color: var(--orange); }
/* Per-field messages (script.js validateFields): text, not just a red outline. */
.field-error { margin-top: -4px; font-size: var(--fs-small); font-weight: 600; line-height: 1.4; }
.offer-form .field-error { color: var(--orange); }
.join-form .field-error { color: var(--orange-ink); }
.offer-fine { margin-top: 12px; font-size: 0.8125rem; color: var(--mute); }
.offer .form-consent { margin-top: 2px; font-size: 0.75rem; line-height: 1.45; }
.offer-done:focus, .offer-title:focus { outline: none; }
/* Sending: the button stays focusable but ignores clicks (see sendForm in script.js). */
.btn[aria-disabled="true"] { cursor: progress; }

.offer-close {
  position: absolute; top: 14px; right: 14px;
  width: 44px; height: 44px; border-radius: 999px; border: 0; cursor: pointer;
  display: grid; place-items: center;
  background: var(--paper);
  transition: background-color .2s ease, transform .3s var(--ease-out);
}
.offer-close svg { width: 18px; height: 18px; fill: none; stroke: var(--ink); stroke-width: 2.2; stroke-linecap: round; }
.offer-close:hover { background: var(--orange); transform: rotate(90deg); }

/* Phones: no logo column, a nearly full-screen sheet. */
@media (max-width: 599px) {
  .offer { width: calc(100% - 16px); max-height: calc(100svh - 16px); max-height: calc(100dvh - 16px); }
  .offer-aside { display: none; }
  .offer-panel .eyebrow { padding-right: 52px; } /* clear of the close button */
  .offer-form input, .offer-form textarea { padding-inline: 12px; }
}
@media (min-width: 600px) {
  .offer-panel { padding: 28px 28px 32px; }
  .offer-form input { min-height: 52px; padding: 12px 16px; }
  .offer-form textarea { height: 120px; padding: 12px 16px; }
  .offer .form-consent { font-size: 0.8125rem; }
}
/* Short phones: the intro line and the fine print give way to the form. */
@media (max-width: 899px) and (max-height: 760px) {
  .offer-form-wrap .offer-text, .offer-fine { display: none; }
  .offer-title { font-size: clamp(1.75rem, 1.4rem + 2vw, 2.25rem); }
}
@media (max-width: 899px) and (max-height: 620px) {
  .offer-panel { padding-block: 18px; }
  .offer-form-wrap .eyebrow { display: none; }
  .offer-title { font-size: 1.6rem; padding-right: 52px; }
  .offer-form { margin-top: 14px; gap: 6px; }
  .offer-form input { min-height: 44px; }
}
/* Desktop: spacing follows the screen's height, so the dialog fits laptops of any height. */
@media (min-width: 900px) {
  .offer-inner { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); }
  .offer-aside {
    padding: clamp(24px, 4.4svh, 40px) 0 clamp(24px, 4.4svh, 40px) clamp(24px, 4.4svh, 40px);
    display: flex; flex-direction: column; min-height: 0;
  }
  /* The photo fills whatever height the form needs instead of keeping a fixed 4:5 shape,
     so the form alone sets the dialog's height. */
  .offer-photo { display: block; flex: 1 1 0; min-height: 0; aspect-ratio: auto; margin-top: clamp(16px, 3svh, 32px); }
  .offer-reach { display: grid; margin-top: clamp(12px, 2.4svh, 24px); }
  .offer-panel { padding: clamp(28px, 7svh, 64px) clamp(36px, 4vw, 56px) clamp(22px, 5svh, 48px); }
  .offer-title { font-size: max(1.75rem, min(clamp(2rem, 1.4rem + 2.4vw, 3.25rem), 5.6svh)); }
  .offer-text { margin-top: clamp(8px, 1.6svh, 14px); }
  .offer-form { margin-top: clamp(14px, 3svh, 28px); gap: clamp(6px, 1.1svh, 10px); }
  .offer-form input { min-height: clamp(44px, 6svh, 52px); padding-block: 10px; }
  .offer-form textarea { height: clamp(72px, 14svh, 120px); }
  .offer-fine { margin-top: clamp(10px, 2svh, 16px); }
}
@media (min-width: 900px) and (max-height: 700px) {
  .offer-form-wrap .offer-text, .offer-fine { display: none; }
}

/* ---------- Smooth scroll (Lenis) ---------- */
html.lenis, html.lenis body { height: auto; }
.lenis.lenis-smooth { scroll-behavior: auto !important; }
.lenis.lenis-smooth [data-lenis-prevent] { overscroll-behavior: contain; }
.lenis.lenis-stopped { overflow: clip; }

/* ---------- Page transitions ---------- */
/* Same-site navigations cross-fade; the nav stays put. Browsers without support just load normally. */
@view-transition { navigation: auto; }
.site-nav { view-transition-name: site-nav; }
::view-transition-old(root) { animation: page-out .22s ease both; }
::view-transition-new(root) { animation: page-in .45s var(--ease-out) both; }
@keyframes page-out { to { opacity: 0; } }
@keyframes page-in { from { opacity: 0; transform: translateY(6px); } }

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  @view-transition { navigation: none; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .stage, .js .nation-map img { clip-path: none; }
  .js [data-reveal] { opacity: 1; transform: none; }
}

/* ---------- Markets ticker (theFinancials.com embed) ---------- */
/* Sits under the Nationwide map: the map section gives up some bottom space so the band reads as part of it. */
.nation { padding-bottom: clamp(48px, 6vw, 80px); }
.markets { background: var(--paper); padding-bottom: clamp(48px, 6vw, 80px); }
.markets-bar {
  display: flex; flex-direction: column; overflow: hidden;
  background: var(--navy); color: var(--paper); border-radius: var(--radius-md);
}
.markets-head { flex: none; display: flex; align-items: baseline; gap: 12px; padding: 14px 20px 0; }
.markets-note { font-size: 0.75rem; color: #A9B1C3; }
.markets-label {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--orange);
}
.markets-label::before {
  content: ""; width: 7px; height: 7px; border-radius: 999px; background: currentColor;
}
.markets-ticker { flex: 1; min-width: 0; min-height: 76px; }
/* WCAG 2.2.2: the ticker moves on its own, so it needs a way to stop it. */
.markets-pause {
  display: inline-flex; align-items: center; gap: 8px; min-height: 32px; margin-left: auto; padding: 4px 12px 4px 10px;
  border: 1px solid var(--line-dark); border-radius: 999px; background: transparent; color: var(--paper);
  font: inherit; font-size: 0.75rem; font-weight: 600; cursor: pointer;
}
.markets-pause:hover { background: rgba(252, 250, 248, .1); }
.markets-pause-icon { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.markets-pause .i-play { display: none; fill: currentColor; stroke-width: 1.5; }
.markets-pause[aria-pressed="true"] .i-play { display: inline; }
.markets-pause[aria-pressed="true"] .i-pause { display: none; }
@media (min-width: 768px) {
  .markets-bar { flex-direction: row; align-items: center; }
  .markets-head {
    flex-direction: column; justify-content: center; align-items: flex-start; gap: 4px;
    padding: 0 20px 0 24px; align-self: stretch; border-right: 1px solid var(--line-dark);
  }
  .markets-note { padding-left: 17px; }
  .markets-pause { margin: 6px 0 0; }
}
/* The widget's own styles live in ticker.html, inside the sandboxed iframe. */
.markets-ticker iframe { display: block; width: 100%; height: 82px; border: 0; pointer-events: none; }

/* ---------- Loan detail pages ---------- */
.loan-header { padding-bottom: clamp(32px, 4vw, 48px); }
.loan-header .h2 { max-width: 18ch; }
.loan-detail { padding-top: clamp(16px, 2vw, 24px); }
.loan-detail-grid { display: grid; gap: clamp(40px, 5vw, 72px); align-items: start; }
.loan-detail-grid > * { min-width: 0; }

.loan-facts {
  background: var(--navy); color: var(--paper);
  border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 32px);
}
.loan-facts-h {
  font-size: 0.8125rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--orange); margin-bottom: 8px;
}
.loan-facts dl > div { padding: 14px 0; border-bottom: 1px solid var(--line-dark); }
.loan-facts dt { font-size: var(--fs-small); color: #A9B1C3; }
.loan-facts dd { margin: 4px 0 0; font-weight: 600; line-height: 1.4; }
.loan-facts .btn { width: 100%; margin-top: 24px; }

.loan-prose { max-width: 68ch; }
.prose-block + .prose-block { margin-top: clamp(40px, 5vw, 56px); padding-top: clamp(40px, 5vw, 56px); border-top: 1px solid var(--line-light); }
.prose-block .h3 { margin-bottom: 18px; }
.prose-block p { color: var(--ink-soft); line-height: 1.65; }
.prose-block p + p { margin-top: 14px; }
.prose-block .fine-print { margin-top: 14px; font-size: var(--fs-small); color: var(--ink-soft); }

.check-list { list-style: none; display: grid; gap: 12px; }
.check-list li { position: relative; padding-left: 30px; line-height: 1.55; }
.check-list li::before {
  content: ""; position: absolute; left: 2px; top: .38em; width: 14px; height: 8px;
  border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(-45deg);
}

.term-list { display: grid; gap: 4px; }
.term-list > div { display: grid; gap: 6px; padding: 16px 0; border-bottom: 1px solid var(--line-light); }
.term-list > div:last-child { border-bottom: 0; }
.term-list dt { font-weight: 700; }
.term-list dd { margin: 0; color: var(--ink-soft); line-height: 1.6; }
@media (min-width: 640px) {
  .term-list > div { grid-template-columns: 13rem minmax(0, 1fr); gap: 24px; }
}

.table-wrap { overflow-x: auto; margin-inline: calc(-1 * var(--gutter)); padding-inline: var(--gutter); }
.compare-table { width: 100%; min-width: 520px; border-collapse: collapse; font-size: 0.9375rem; }
.compare-table th, .compare-table td { text-align: left; vertical-align: top; padding: 14px 16px 14px 0; border-bottom: 1px solid var(--line-light); line-height: 1.5; }
.compare-table thead th { font-family: var(--font-display); font-size: 1.125rem; border-bottom: 2px solid var(--ink); }
.compare-table tbody th { font-weight: 600; width: 22%; }
.compare-table td { color: var(--ink-soft); }

.calc { margin-top: 20px; border-radius: var(--radius-md); background: var(--sand); padding: 8px 20px; }
.calc > div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line-light); }
.calc > div:last-child { border-bottom: 0; }
.calc dt { color: var(--ink-soft); }
.calc dd { margin: 0; font-weight: 600; font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc .calc-total dt, .calc .calc-total dd { color: var(--ink); font-weight: 700; }

/* Down-payment comparison bars (Adelante 95). */
.bar-compare { list-style: none; display: grid; gap: 18px; }
.bar-compare li { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 16px; align-items: center; }
.bar-label { font-weight: 500; }
.bar-value { font-weight: 700; font-variant-numeric: tabular-nums; }
.bar-track { grid-column: 1 / -1; height: 10px; border-radius: 999px; background: var(--sand); overflow: hidden; }
.bar-fill { display: block; height: 100%; width: calc(var(--w) * 100%); border-radius: inherit; background: var(--mute); }
.bar-compare .is-ours .bar-fill { background: var(--orange); }
.bar-compare .is-ours .bar-label, .bar-compare .is-ours .bar-value { color: var(--ink); font-weight: 700; }

.loan-disclaimer { margin-top: clamp(40px, 5vw, 56px); font-size: var(--fs-small); color: var(--ink-soft); line-height: 1.6; }

.loan-others { background: var(--sand); }
.others-list { list-style: none; display: grid; gap: 0; margin-top: 24px; border-top: 1px solid var(--line-light); }
.others-list a {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 44px;
  padding: 18px 0; border-bottom: 1px solid var(--line-light);
  font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; text-decoration: none;
  transition: color .2s ease;
}
.others-list svg { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .3s var(--ease-out); }
.others-list a:hover { color: var(--blue); }
.others-list a:hover svg { transform: translateX(4px); }
@media (min-width: 768px) {
  .others-list { grid-template-columns: 1fr 1fr; column-gap: 48px; }
}
@media (min-width: 1024px) {
  .loan-detail-grid { grid-template-columns: minmax(0, 7fr) minmax(0, 4fr); }
  /* Sticks below the nav, but never so low that its bottom hangs past the screen:
     script.js sets --facts-h to the card's height. */
  .loan-facts { position: sticky; top: min(calc(var(--nav-space) + 24px), calc(100vh - var(--facts-h, 0px) - 16px)); }
}
/* Short laptop screens: tighten the card so all of it fits below the nav. */
@media (min-width: 1024px) and (max-height: 820px) {
  .loan-facts { padding: 22px 26px; }
  .loan-facts dl > div { padding: 9px 0; }
  .loan-facts .btn { margin-top: 18px; }
}

/* ---------- How we work (process timeline) ---------- */
.how { background: var(--sand); color: var(--ink); }
.how-head { max-width: 760px; }
.how-lead { margin-top: 20px; color: var(--ink-soft); font-size: var(--fs-lead); line-height: 1.55; max-width: 56ch; }
.steps { list-style: none; margin-top: clamp(40px, 6vw, 72px); display: grid; }
/* Phones: a vertical rail with a marker per step. */
.step { position: relative; padding: 0 0 40px 52px; }
.step:last-child { padding-bottom: 0; }
.step::before {
  content: ""; position: absolute; left: 15px; top: 34px; bottom: -2px; width: 2px; background: rgba(39, 39, 42, 0.14);
}
.step:last-child::before { display: none; }
.step-num {
  position: absolute; left: 0; top: 0; width: 32px; height: 32px; border-radius: 999px;
  display: grid; place-items: center; background: var(--navy); color: var(--paper);
  font-size: 0.8125rem; font-weight: 700; font-variant-numeric: tabular-nums;
}
.step:last-child .step-num { background: var(--orange); color: var(--navy); }
.step-title { font-family: var(--font-display); font-weight: 700; font-size: 1.375rem; line-height: 1.2; letter-spacing: -0.01em; padding-top: 2px; }
.step-time { margin-top: 6px; font-size: 0.8125rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--blue); }
.step-text { margin-top: 12px; color: var(--ink-soft); line-height: 1.6; max-width: 46ch; }
.step-check {
  margin-top: 16px; padding: 12px 14px; border-radius: 10px; background: var(--paper);
  font-size: 0.9375rem; line-height: 1.45; font-weight: 500; max-width: 46ch;
}
.step-check span {
  display: block; margin-bottom: 2px;
  font-size: 0.6875rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--orange-ink);
}
/* Desktop: the rail turns horizontal and the steps sit side by side. */
@media (min-width: 1100px) {
  .steps { grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 28px; }
  /* Subgrid keeps titles, timings, text and checkpoints on shared rows across all five steps. */
  .step { padding: 56px 0 0; display: grid; grid-row: span 4; grid-template-rows: subgrid; row-gap: 0; align-content: start; }
  .step::before { left: 40px; right: -28px; top: 15px; bottom: auto; width: auto; height: 2px; }
  .step-check { align-self: start; }
}

/* ---------- Adelante intro (homepage): who we are + what we fund ---------- */
.intro-grid { display: grid; gap: clamp(40px, 5vw, 64px); }
.intro-lead { display: flex; flex-direction: column; }
.intro-lead .h2 { max-width: 13ch; }
.intro-text { margin-top: 20px; max-width: 44ch; color: var(--ink-soft); font-size: var(--fs-lead); line-height: 1.55; }
.intro-link {
  align-self: flex-start; display: inline-flex; align-items: center; gap: 10px; min-height: 44px; margin-top: 16px;
  font-weight: 600; color: var(--blue); text-decoration: none; border-bottom: 1.5px solid currentColor;
}
.intro-link svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .3s var(--ease-out); }
.intro-link:hover { color: var(--ink); }
.intro-link:hover svg { transform: translateX(4px); }
.intro-photo { margin: 32px 0 0; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 3; }
.intro-photo img { width: 100%; height: 100%; object-fit: cover; }

.asset-panel { background: var(--sand); border-radius: var(--radius-xl); padding: clamp(24px, 4vw, 48px); }
.asset-h {
  font-family: var(--font-display); font-weight: 700; letter-spacing: -0.01em;
  font-size: clamp(1.5rem, 1.2rem + 1.1vw, 2.25rem); line-height: 1.12; max-width: 20ch;
}
/* Phones: a compact list. Wider: equal tiles, three across. */
.asset-grid { list-style: none; margin-top: clamp(24px, 3vw, 36px); display: grid; gap: 10px; }
.asset-tile {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 16px; border-radius: var(--radius-md); background: var(--paper);
  font-family: var(--font-display); font-weight: 700; font-size: 1.0625rem; line-height: 1.25;
}
/* Each icon sits on a tinted chip so it reads at the same weight as its title. */
.asset-tile svg {
  width: 38px; height: 38px; padding: 8px; flex: none; border-radius: 10px; background: rgba(10, 102, 194, 0.09);
  fill: none; stroke: var(--blue); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round;
}
@media (min-width: 640px) {
  .asset-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
  .asset-tile {
    min-height: 132px; padding: 20px;
    flex-direction: column; align-items: flex-start; justify-content: center; gap: 16px; font-size: 1.125rem;
  }
  .asset-tile svg { width: 48px; height: 48px; padding: 11px; border-radius: 12px; }
}
@media (min-width: 1024px) {
  .intro-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); align-items: stretch; }
  /* The panel sets the row height; the photo fills what the copy leaves. */
  .intro-photo { flex: 1 1 0; aspect-ratio: auto; min-height: 140px; }
  .asset-tile { min-height: 104px; padding: 18px; gap: 12px; }
}

/* ---------- Interior page hero (About, Partner Referral) ---------- */
/* Copy and a call to action on the left, a photo with an overlaid card on the right,
   so the page opens on something to look at and something to do. */

.page-hero-title {
  font-family: var(--font-display); font-weight: 700;
  font-size: var(--fs-display); line-height: 1; letter-spacing: -0.015em; text-wrap: balance;
  max-width: 14ch;
}

/* ---------- About: photo hero ---------- */
/* Same full-screen photo hero as the homepage, with the lender roster as a strip
   along the bottom: the proof for the headline sits right under it. */
.hero--page .hero-img { object-position: 60% 40%; }
/* Let the card grow past one screen instead of pushing the text up under the nav. */
.hero--page .hero-card { height: auto; min-height: max(560px, var(--lvh)); padding-top: calc(var(--nav-space) + 28px); }
.hero--page .eyebrow { color: var(--paper); }
.hero--page .hero-title { max-width: 13ch; }
.hero--page .hero-lead { max-width: 44ch; }
.hero-foot { margin-top: 14px; font-size: 0.8125rem; color: var(--paper); }
.hero-kicker { margin-top: 14px; font-family: var(--font-display); font-weight: 700; font-size: clamp(1.15rem, 1rem + 0.6vw, 1.5rem); line-height: 1.25; color: var(--paper); }
/* Phones: the lender cards further down already list these. */
.hero-roster { display: none; }
@media (min-width: 900px) { .hero-roster { display: block; } }
.hero-roster { margin-top: clamp(32px, 5vh, 56px); padding-top: 18px; border-top: 1px solid rgba(252, 250, 248, .28); }
.hero-roster-title { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--paper); }
.hero-roster-list { list-style: none; margin-top: 10px; display: grid; grid-template-columns: 1fr 1fr; gap: 6px 20px; }
.hero-roster-list li { font-family: var(--font-display); font-weight: 700; font-size: 1rem; line-height: 1.3; color: var(--paper); }
@media (min-width: 900px) {
  .hero--page .hero-content { max-width: none; }
  .hero-roster-list { display: flex; flex-wrap: wrap; gap: 8px 0; }
  .hero-roster-list li { font-size: 1.125rem; }
  .hero-roster-list li + li::before { content: ""; display: inline-block; width: 5px; height: 5px; margin: 0 18px 3px; border-radius: 50%; background: var(--orange); }
}

/* ---------- About: story quote ---------- */
.story-center { text-align: center; }
.story-center .eyebrow { justify-content: center; }
.story-quote { max-width: 16ch; margin-inline: auto; font-size: clamp(2.4rem, 1.4rem + 4.4vw, 5.25rem); line-height: 1; }
.story-text {
  max-width: 38rem; margin: clamp(28px, 4vw, 44px) auto 0;
  text-align: center; color: var(--paper);
}

/* ---------- About: lender marketplace ---------- */
.market-head { display: grid; gap: 20px clamp(40px, 6vw, 96px); align-items: end; margin-bottom: clamp(36px, 5vw, 64px); }
.market-head .h2 { max-width: 16ch; }
.market-head .lead { color: var(--ink-soft); max-width: 52ch; }
.lender-grid { list-style: none; display: grid; gap: 12px; }
.lender-card {
  padding: clamp(22px, 2.6vw, 32px); border-radius: var(--radius-lg); background: var(--sand);
  display: grid; align-content: start; gap: 10px;
  border-top: 3px solid var(--blue);
}
.lender-card h3 { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.25rem, 1.1rem + 0.5vw, 1.5rem); line-height: 1.15; letter-spacing: -0.01em; }
.lender-card p { color: var(--ink-soft); line-height: 1.55; }
.inline-cta {
  margin-top: clamp(40px, 5vw, 64px); padding: clamp(24px, 3.5vw, 36px);
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px 40px;
  border-radius: var(--radius-lg); background: var(--blue); color: #fff;
}
.inline-cta p { max-width: 56ch; font-size: var(--fs-lead); line-height: 1.5; }
.inline-cta strong { font-family: var(--font-display); }
.inline-cta .btn-primary { background: var(--paper); color: var(--blue); }
.inline-cta .btn-primary:hover { background: var(--orange); color: var(--ink); }
@media (min-width: 640px) { .lender-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.market-points { margin-top: clamp(32px, 4vw, 48px); display: grid; gap: 22px; }
.market-points > div { padding-left: 18px; border-left: 3px solid var(--orange); }
.market-points dt { font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; line-height: 1.25; letter-spacing: -0.01em; }
.market-points dd { margin: 6px 0 0; color: var(--ink-soft); line-height: 1.6; }
.story-points-label {
  max-width: 1040px; margin: clamp(40px, 6vw, 72px) auto 0; padding-top: clamp(28px, 4vw, 44px); border-top: 1px solid var(--line-dark);
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--orange);
}
.stage-ink p.story-points-label:not(.eyebrow):not(.lead) { color: var(--orange); }
.story-points { max-width: 1040px; margin: 20px auto 0; }
.story-points dt { color: var(--paper); }
.story-points dd { color: #D4D4D8; }
@media (min-width: 768px) { .market-points { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; } }
@media (min-width: 1024px) {
  .market-head { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .lender-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
}
@media (max-width: 479px) { .inline-cta .btn, .hero--page .pill { width: 100%; } }

/* ---------- About: core standards ---------- */
/* A board of statements: each standard's short name in orange caps over the full
   sentence set large. The first standard leads across the full width. */
.standards { background: var(--sand); }
.standards-head { margin-bottom: clamp(36px, 5vw, 64px); }
.standards-head .h2 { max-width: 16ch; }
.standards-list { list-style: none; border-top: 1px solid var(--line-light); }
.standards-list li {
  display: grid; grid-template-columns: 10px minmax(0, 1fr); gap: 18px; align-items: baseline;
  padding: clamp(18px, 2.4vw, 26px) 0; border-bottom: 1px solid var(--line-light);
  font-family: var(--font-display); font-weight: 700; letter-spacing: -0.01em;
  font-size: clamp(1.3rem, 1.1rem + 0.8vw, 1.85rem); line-height: 1.25; color: var(--ink);
}
.standards-list li::before { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--orange); transform: translateY(-0.15em); }
@media (min-width: 1024px) {
  .standards-grid { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 96px); align-items: start; }
  .standards-head { margin-bottom: 0; }
}

/* ---------- Partner Referral: hero with signup form ---------- */
.partner-hero { padding-top: calc(var(--nav-space) + 12px); }
.partner-hero-card {
  position: relative; isolation: isolate; overflow: hidden;
  border-radius: var(--radius-xl); background: var(--navy); color: var(--paper);
  padding: clamp(28px, 5vw, 72px) clamp(20px, 5vw, 72px);
}
.partner-hero-img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; object-position: 60% 40%; opacity: .35; }
.partner-hero-card::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(90deg, rgba(var(--navy-rgb), .96) 0%, rgba(var(--navy-rgb), .8) 55%, rgba(var(--navy-rgb), .55) 100%);
}
.partner-hero .eyebrow { color: var(--orange); }
.partner-hero .page-hero-title { max-width: 15ch; font-size: clamp(2.4rem, 1.4rem + 3.8vw, 4.75rem); }
.partner-hero-copy .lead { margin-top: 22px; max-width: 48ch; color: #D4D4D8; }
.partner-hero-grid { display: grid; gap: 40px clamp(40px, 5vw, 80px); align-items: center; }
.partner-checks { list-style: none; margin-top: 28px; display: grid; gap: 12px; }
/* Large text (20px bold) with a 30px check: easy to read over the photo, and big enough to pass
   the large-text contrast and size checks. */
.partner-checks li { display: flex; align-items: center; gap: 14px; font-weight: 700; font-size: 1.25rem; line-height: 1.3; }
.partner-checks li::before {
  content: ""; flex: none; width: 30px; height: 30px; border-radius: 50%;
  background: var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23101B33' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 18px no-repeat;
}
.join-card { padding: clamp(24px, 3vw, 36px); border-radius: var(--radius-lg); background: var(--paper); color: var(--ink); }
.join-title { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.5rem, 1.25rem + 1vw, 2rem); line-height: 1.1; letter-spacing: -0.01em; }
.join-text { margin-top: 8px; color: var(--ink-soft); }
.join-text a, .join-fine a { color: var(--blue); font-weight: 600; }
.join-form { margin-top: 22px; display: grid; gap: 8px; }
.join-form label { margin-top: 6px; font-size: var(--fs-small); font-weight: 600; }
.join-form input, .join-form select {
  width: 100%; min-height: 50px; padding: 11px 14px; border-radius: 10px;
  border: 1.5px solid #85858A; background: #fff; color: var(--ink); font: inherit; /* 3.6:1 field outline (WCAG 1.4.11) */
}
.join-form input:focus-visible, .join-form select:focus-visible { outline: 3px solid var(--blue); outline-offset: 1px; border-color: transparent; }
.join-form [aria-invalid="true"] { border-color: var(--orange); }
.join-form .btn { margin-top: 14px; }
.join-error { color: #B45309; font-size: var(--fs-small); font-weight: 600; }
.join-fine { margin-top: 14px; font-size: var(--fs-small); color: var(--ink-soft); text-align: center; }
.join-done:focus { outline: none; }
@media (min-width: 560px) { .partner-checks { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) {
  .partner-hero-card { min-height: calc(100svh - var(--nav-space) - 28px); display: flex; align-items: center; }
  .partner-hero-grid { width: 100%; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); }
}

/* ---------- Partner Referral: steps, duties, professions ---------- */
.partner-steps { list-style: none; display: grid; gap: 12px; }
.partner-steps li { padding: clamp(24px, 3vw, 36px); border-radius: var(--radius-lg); background: var(--sand); }
.partner-step-num {
  display: grid; place-items: center; width: 48px; height: 48px; margin-bottom: 22px; border-radius: 50%;
  background: var(--blue); color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 1.375rem;
}
.partner-steps h3 { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.35rem, 1.2rem + 0.6vw, 1.75rem); line-height: 1.1; letter-spacing: -0.01em; }
.partner-steps p { margin-top: 10px; color: var(--ink-soft); }
@media (min-width: 900px) { .partner-steps { grid-template-columns: repeat(3, 1fr); gap: 16px; } }

.split-head { max-width: 760px; }
.split-head .h2 { max-width: 15ch; }
.split-head .lead { margin-top: 18px; color: #D4D4D8; }
.duty-grid { margin-top: clamp(40px, 6vw, 72px); display: grid; gap: 16px; align-items: stretch; }
.duty-title { font-size: 0.8125rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; }
/* Your part: short, so it is set big on orange. */
.duty-you {
  display: flex; flex-direction: column; padding: clamp(28px, 3.5vw, 44px);
  border-radius: var(--radius-lg); background: var(--orange); color: var(--ink);
}
.duty-you-list { list-style: none; margin: 18px 0 32px; display: grid; gap: 14px; }
.duty-you-list li {
  font-family: var(--font-display); font-weight: 700; letter-spacing: -0.015em;
  font-size: clamp(1.75rem, 1.35rem + 1.6vw, 2.6rem); line-height: 1.08;
}
.duty-you-btn { margin-top: auto; align-self: flex-start; background: var(--ink); color: var(--paper); }
.duty-you-btn:hover { background: var(--paper); color: var(--ink); }
/* Our part: the long list, each step with a line of detail. */
.duty-us { padding: clamp(28px, 3.5vw, 44px); border-radius: var(--radius-lg); background: rgba(252, 250, 248, .06); border: 1px solid var(--line-dark); }
.duty-us .duty-title { color: var(--orange); }
.stage-ink .duty-you p.duty-title { color: var(--ink); }
.duty-us-list { list-style: none; margin-top: 10px; display: grid; }
.duty-us-list li { display: flex; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line-dark); }
.duty-us-list li:last-child { border-bottom: 0; padding-bottom: 0; }
.duty-check { flex: none; display: grid; place-items: center; width: 30px; height: 30px; margin-top: 2px; border-radius: 50%; background: var(--blue); }
.duty-check svg { width: 16px; height: 16px; fill: none; stroke: #fff; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.duty-us-list h3 { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.15rem, 1.05rem + 0.4vw, 1.35rem); line-height: 1.25; color: var(--paper); }
.duty-us-list p { margin-top: 4px; color: #D4D4D8; font-size: 0.975rem; line-height: 1.55; }
@media (min-width: 900px) { .duty-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); } }
@media (max-width: 479px) { .duty-you-btn { align-self: stretch; } }

.pro-grid { list-style: none; display: grid; gap: 10px; }
.pro-grid .asset-tile { background: var(--sand); }
.pro-grid .asset-tile--cta { background: var(--blue); }
.partner-contact { padding-top: clamp(32px, 4vw, 56px); }
.asset-tile--cta { padding: 0; background: var(--blue); }
.asset-tile--cta a {
  flex: 1; align-self: stretch; display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 14px 16px; border-radius: inherit; color: #fff; text-decoration: none;
}
.asset-tile--cta svg { width: 24px; height: 24px; padding: 0; background: none; stroke: #fff; transition: transform .3s var(--ease-out); }
.pro-grid .asset-tile--cta:hover { background: var(--orange); }
.asset-tile--cta:hover a { color: var(--ink); }
.asset-tile--cta:hover svg { stroke: var(--ink); transform: translateX(4px); }
@media (min-width: 640px) {
  .pro-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
  .pro-grid .asset-tile:not(.asset-tile--cta) { min-height: 132px; padding: 20px; flex-direction: column; align-items: flex-start; justify-content: center; gap: 16px; font-size: 1.125rem; }
  .asset-tile--cta a { padding: 20px; align-items: flex-end; font-size: 1.125rem; }
}
@media (min-width: 1024px) { .pro-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.partner-faq { padding-top: 0; }
.faq-answer a { color: var(--blue); font-weight: 600; }

/* Spam trap for Formspree (_gotcha): off-screen, never focusable. */
/* Spam trap: off-screen and hidden from assistive tech; bots fill it in, people never see it. */
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Accessibility statement ---------- */
.access { padding-top: 0; }
.access-body > *, .legal-body > * { max-width: 760px; }
.access-list { display: grid; gap: 10px; margin: 4px 0 16px; }
.access-list li { position: relative; padding-left: 22px; color: var(--ink-soft); line-height: 1.6; }
.access-list li::before { content: ""; position: absolute; left: 0; top: .6em; width: 8px; height: 8px; border-radius: 50%; background: var(--blue); }
.access-body a, .footer-bottom a { color: inherit; font-weight: 600; }

/* ---------- Legal pages (Privacy Policy, Terms and Conditions) ---------- */
.legal { padding-top: 0; }
.legal-site { display: block; margin-bottom: 14px; font-family: var(--font-body); font-size: 0.9375rem; font-weight: 600; line-height: 1.4; letter-spacing: 0.01em; color: var(--blue); overflow-wrap: anywhere; }
.legal-sub { margin: 28px 0 10px; font-size: 1.0625rem; font-weight: 700; line-height: 1.4; color: var(--ink); }
.prose-block .h3 + .legal-sub { margin-top: 0; }
.legal-ol { display: grid; gap: 8px; margin: 10px 0 14px; padding-left: 1.6em; list-style: decimal; }
.legal-ol li { padding-left: 0.35em; color: var(--ink-soft); line-height: 1.6; }
.legal-ol li::marker { color: var(--ink); font-weight: 600; }
.legal-link-btn { padding: 0; border: 0; background: none; font: inherit; font-weight: 600; color: var(--blue); text-decoration: underline; cursor: pointer; }
.legal-body .legal-effective { margin-top: 28px; font-weight: 600; color: var(--ink); }
.legal-date { margin-top: 16px; font-size: var(--fs-small); font-weight: 600; color: var(--ink-soft); }
.legal-toc { margin: clamp(32px, 4vw, 44px) 0 clamp(40px, 5vw, 56px); padding: clamp(20px, 3vw, 28px); border-radius: var(--radius-lg); background: var(--sand); }
.legal-toc-title { font-size: 0.8125rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue); }
.legal-toc ol { margin: 14px 0 0; padding-left: 1.4em; display: grid; gap: 6px; }
.legal-toc a { color: var(--ink); }
.legal-toc a:hover { color: var(--blue); }
@media (min-width: 768px) { .legal-toc ol { grid-template-columns: 1fr 1fr; column-gap: 32px; } }
.legal-body .prose-block { scroll-margin-top: calc(var(--nav-space) + 16px); }
.legal-body a { color: var(--blue); font-weight: 600; }
.legal-list, .legal-body .prose-block ul { display: grid; gap: 10px; margin: 6px 0 14px; }
.legal-list li { position: relative; padding-left: 22px; color: var(--ink-soft); line-height: 1.6; }
.legal-list li::before { content: ""; position: absolute; left: 0; top: .6em; width: 8px; height: 8px; border-radius: 50%; background: var(--blue); }
.legal-dl { display: grid; gap: 0; margin: 10px 0 16px; border-top: 1px solid var(--line-light); }
.legal-dl > div { padding: 14px 0; border-bottom: 1px solid var(--line-light); }
.legal-dl dt { font-weight: 700; color: var(--ink); }
.legal-dl dd { margin: 4px 0 0; color: var(--ink-soft); line-height: 1.6; }
.footer-address { font-style: normal; }
.legal-address { font-style: normal; line-height: 1.8; color: var(--ink-soft); margin: 8px 0 14px; }
.legal-body strong { color: var(--ink); }

/* Footer legal links and form consent lines */
.footer-legal { display: flex; flex-wrap: wrap; gap: 4px 20px; }
.form-consent { margin-top: 6px; font-size: 0.8125rem; line-height: 1.5; color: #C9CED8; }
.form-consent a { color: var(--paper); font-weight: 600; }
.join-form .form-consent { color: var(--ink-soft); }
.join-form .form-consent a { color: var(--blue); }