/* main.css — layout + components. Phase 1: reset, buttons, announce, nav, hero, selector. */

/* ---------- Reset / base ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: auto; scroll-padding-top: 106px; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--text-body);
  line-height: var(--leading-body);
  color: var(--color-ink);
  background: var(--color-cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, p { margin: 0; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
[hidden] { display: none !important; }

:root { --announce-h: 40px; }

/* Focus discipline: Signal ring, 2px, offset 2px */
:where(a, button, [role="tab"], input, textarea):focus-visible {
  outline: 2px solid var(--color-signal);
  outline-offset: 2px;
  border-radius: 4px;
}

.stub { min-height: 1px; }

/* ---------- Buttons (pills) ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-8);
  font-family: var(--font-display);
  font-weight: var(--fw-medium);
  font-size: var(--text-body-sm);
  line-height: 1;
  padding: 12px 24px;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background var(--dur-nav) var(--ease-out),
    color var(--dur-nav) var(--ease-out),
    transform var(--dur-nav) var(--ease-out),
    border-color var(--dur-nav) var(--ease-out);
  white-space: nowrap;
}
.btn--primary {
  background: var(--color-signal);
  color: var(--color-navy);
  font-weight: var(--fw-bold);
}
.btn--primary:hover { background: var(--color-signal-hover); color: var(--color-navy); transform: translateY(-1px); }
.btn--ghost {
  background: transparent;
  color: var(--color-alabaster);
  border-color: var(--color-alabaster);
}
.btn--ghost:hover { background: rgba(255, 255, 255, 0.08); }
.btn--secondary {
  background: transparent;
  color: var(--color-ink);
  border-color: var(--color-mist);
}
.btn--secondary:hover { background: var(--color-fog); }

/* ---------- Announcement bar ---------- */
.announce {
  background: var(--color-navy);
  color: rgba(255, 255, 255, 0.86);
  border-bottom: 1px solid rgba(190, 145, 73, 0.22);
}
.announce__inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 10px var(--gutter);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-16);
  position: relative;
  min-height: var(--announce-h);
}
.announce__text {
  font-size: var(--text-caption);
  text-align: center;
}
.announce__link {
  font-weight: 600;
  color: var(--color-signal-on-dark);
  text-decoration: underline;
  text-underline-offset: 2px;
  white-space: nowrap;
}
.announce__dismiss {
  position: absolute;
  right: var(--gutter);
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.7);
  font-size: 20px;
  line-height: 1;
  cursor: pointer;
  padding: 4px;
  opacity: 0.8;
}
.announce__dismiss:hover { opacity: 1; }

/* ---------- Sticky nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  height: 90px;
  transition: background var(--dur-nav) var(--ease-out),
    box-shadow var(--dur-nav) var(--ease-out),
    color var(--dur-nav) var(--ease-out);
}
.nav__inner {
  max-width: var(--max-w);
  margin: 0 auto;
  height: 100%;
  padding: 0 var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--spacing-24);
}
.nav__logo {
  display: inline-flex;
  align-items: center;
}
.nav__logo-img {
  height: 74px;
  width: auto;
  display: block;
  transition: filter var(--dur-nav) var(--ease-out);
}
.nav__links {
  display: flex;
  align-items: center;
  gap: var(--spacing-32);
  font-size: var(--text-body-sm);
  font-weight: 500;
}
.nav__links a { transition: opacity var(--dur-nav); }
.nav__links a:hover { opacity: 0.7; }
.nav__actions { display: flex; align-items: center; gap: var(--spacing-16); }

/* transparent state (over hero) — gold logo stays gold (legible on the dark hero scrim) */
.nav[data-state="transparent"] { background: transparent; color: var(--color-alabaster); }
.nav[data-state="transparent"] .nav__links a { color: var(--color-alabaster); }
.nav[data-state="transparent"] .nav__logo-img { filter: none; }

/* solid state — navy banner so the gold logo reads on brand navy (client direction) */
.nav[data-state="solid"] {
  background: var(--color-navy);
  color: var(--color-alabaster);
  box-shadow: inset 0 -1px 0 0 rgba(190, 145, 73, 0.22);
}
.nav[data-state="solid"] .nav__logo-img { filter: none; }
.nav[data-state="solid"] .nav__links a { color: rgba(255, 255, 255, 0.82); }
.nav[data-state="solid"] .nav__links a:hover { opacity: 1; color: var(--color-signal-on-dark); }
/* soft lift once the page scrolls */
.nav[data-scrolled="true"] {
  box-shadow: inset 0 -1px 0 0 rgba(190, 145, 73, 0.22), 0 10px 28px -16px rgba(0, 0, 0, 0.4);
}

/* burger (mobile) — inherit the nav's color so the lines read on the navy bar
   (a <button> doesn't inherit `color` by default, which left it black on navy) */
.nav__burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  background: none;
  border: none;
  color: inherit;
  cursor: pointer;
}
.nav__burger span {
  width: 22px;
  height: 2px;
  background: currentColor;
  transition: transform var(--dur-nav), opacity var(--dur-nav);
}
.nav[data-sheet="open"] .nav__burger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav[data-sheet="open"] .nav__burger span:nth-child(2) { opacity: 0; }
.nav[data-sheet="open"] .nav__burger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav__sheet {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  top: var(--sheet-top, 112px);
  background: var(--color-obsidian);
  z-index: 49;
  padding: var(--spacing-48) var(--gutter);
}
.nav__sheet-links {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-24);
  font-family: var(--font-display);
  font-size: var(--text-heading-sm);
  font-weight: 500;
  color: var(--color-alabaster);
}
.nav__sheet-links .btn { align-self: flex-start; margin-top: var(--spacing-16); }

/* ---------- HERO — contained image card (wider than the 1200 content container) ---------- */
.hero { background: var(--color-cream); padding-top: var(--spacing-24); }
/* Wider than the standard 1200px container so the hero reads bigger, but still contained. */
.hero > .container { max-width: 1440px; padding: 0 var(--gutter); }
.hero__card {
  position: relative;
  border-radius: var(--radius-card);
  overflow: hidden;
  min-height: clamp(460px, 60vh, 660px);
  display: flex;
  align-items: center;
}
.hero__media { position: absolute; inset: 0; z-index: 0; display: block; }
.hero__photo { width: 100%; height: 100%; object-fit: cover; object-position: 50% 58%; }
.hero__scrim {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(90deg, rgba(9, 13, 20, 0.74) 0%, rgba(9, 13, 20, 0.44) 42%, rgba(9, 13, 20, 0) 70%),
    linear-gradient(0deg, rgba(9, 13, 20, 0.3) 0%, rgba(9, 13, 20, 0) 38%);
}
.hero__content {
  position: relative;
  z-index: 2;
  max-width: 640px;
  padding: clamp(36px, 5vw, 76px);
  color: var(--color-alabaster);
}
.hero__eyebrow {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: var(--spacing-24);
}
.hero__headline {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(40px, 5vw, 68px);
  line-height: 1.05;
  letter-spacing: var(--tracking-display);
  margin-bottom: var(--spacing-20);
  max-width: 15ch;
}
.hero__sub {
  font-size: var(--text-lede);
  line-height: var(--leading-lede);
  letter-spacing: var(--tracking-lede);
  color: rgba(255, 255, 255, 0.9);
  max-width: 46ch;
  margin-bottom: var(--spacing-32);
}
.hero__ctas { display: flex; flex-wrap: wrap; gap: var(--spacing-16); }

/* Trust band under the hero — full-width row: 3 stats spread across, AAPL badge pinned right. */
.trustband { padding: clamp(32px, 4vw, 56px) 0; }
.trustband__inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr) auto;
  align-items: center;
  gap: clamp(20px, 3vw, 44px);
}
.trustband__stats {
  display: contents;
  list-style: none;
  padding: 0;
  margin: 0;
}
.trustband__stats li { display: flex; flex-direction: column; gap: 4px; align-items: flex-start; }
.trustband__stats b {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-heading-sm);
  letter-spacing: -0.02em;
  color: var(--color-ink);
}
.trustband__stats span {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-slate);
}
.trustband__member { display: flex; align-items: center; gap: var(--spacing-16); justify-self: end; max-width: 340px; }
.trustband__member img { height: 66px; width: auto; flex-shrink: 0; }
.trustband__member p { font-size: var(--text-caption); color: var(--color-slate); line-height: 1.45; }

/* The hero has no entrance animation: above-the-fold trust content must be
   visible instantly, never gated on an animation frame. Motion lives below the fold. */

/* ---------- Loan-path segmented selector ---------- */
.loan-path { margin-top: var(--spacing-16); }
.loan-path__track {
  position: relative;
  display: inline-flex;
  gap: 2px;
  padding: 4px;
  background: var(--color-fog);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-pill);
}
.loan-path__indicator {
  position: absolute;
  top: 4px;
  left: 4px;
  height: calc(100% - 8px);
  background: var(--color-signal);
  border-radius: var(--radius-pill);
  transition: transform 0.35s var(--ease-out), width 0.35s var(--ease-out);
  z-index: 0;
}
.loan-path__btn {
  position: relative;
  z-index: 1;
  appearance: none;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-body-sm);
  color: var(--color-slate);
  padding: 10px 20px;
  border-radius: var(--radius-pill);
  white-space: nowrap;
  transition: color var(--dur-nav) var(--ease-out);
}
.loan-path__btn[aria-selected="true"] { color: var(--color-alabaster); }
.loan-path__btn:hover[aria-selected="false"] { color: var(--color-ink); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .nav__links { display: none; }
  .nav__cta { display: none; }
  .nav__burger { display: flex; }
}

@media (max-width: 767px) {
  .announce__inner { padding-right: 44px; justify-content: flex-start; }
  .announce__text { font-size: var(--text-body-sm); text-align: left; }
  .announce__dismiss { top: 8px; right: 12px; }

  .hero__card { min-height: clamp(440px, 78vh, 560px); align-items: flex-end; }
  .hero__scrim {
    background: linear-gradient(0deg, rgba(9, 13, 20, 0.82) 0%, rgba(9, 13, 20, 0.4) 46%, rgba(9, 13, 20, 0.1) 100%);
  }
  .hero__headline { font-size: clamp(36px, 10vw, 52px); }
  .hero__sub { font-size: var(--text-body); }
  .hero__ctas { flex-direction: column; align-items: stretch; }
  .hero__ctas .btn { width: 100%; }
  .trustband__inner { grid-template-columns: 1fr 1fr; gap: var(--spacing-24) var(--spacing-16); }
  .trustband__member { grid-column: 1 / -1; justify-self: start; margin-top: var(--spacing-8); }
}

/* ======================================================================
   PHASE 2 — content sections
   ====================================================================== */

/* ---------- Section scaffolding ---------- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.section { padding: var(--section-y) 0; }
.section--dark { background: var(--color-obsidian); color: var(--color-alabaster); }
.section--fog { background: var(--color-fog); }

.section__head { max-width: 68ch; margin-bottom: var(--spacing-32); }
.section__head--center { max-width: 62ch; margin-left: auto; margin-right: auto; text-align: center; }
.section__head--center .section__lede { margin-left: auto; margin-right: auto; }
.section__title {
  font-family: var(--font-display);
  font-weight: var(--fw-medium);
  font-size: var(--text-heading);
  line-height: var(--leading-heading);
  letter-spacing: var(--tracking-heading);
  color: var(--color-navy);
  margin-bottom: var(--spacing-16);
}
.section--dark .section__title { color: var(--color-alabaster); }
.section__title--sm { font-size: var(--text-heading-sm); letter-spacing: var(--tracking-heading-sm); }
.section__lede {
  font-size: var(--text-lede);
  line-height: var(--leading-lede);
  letter-spacing: var(--tracking-lede);
  color: var(--color-slate);
  max-width: 60ch;
}
.section--dark .section__lede { color: rgba(255, 255, 255, 0.75); }

.eyebrow {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: var(--spacing-16);
}
.eyebrow--signal { color: var(--color-gold-ink); }
/* On dark bands: muted white (Papyrus is reserved for the announcement bar only). */
.eyebrow--ondark { color: rgba(255, 255, 255, 0.6); }

/* Arrow links (Signal, Display 500) */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-4);
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-body-sm);
  color: var(--color-gold-ink);
  transition: gap var(--dur-nav) var(--ease-out), color var(--dur-nav);
}
.link-arrow:hover { gap: var(--spacing-8); color: var(--color-signal-hover); }
.section--dark .link-arrow { color: var(--color-signal-on-dark); }

/* On-token asset slots (labeled, correctly sized) */
.asset-slot {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  background: var(--color-basalt);
  color: rgba(255, 255, 255, 0.72);
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-caption);
  letter-spacing: 0.02em;
  border-radius: var(--radius-input);
}
.asset-slot--emblem {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  border: 1px solid var(--color-mist);
  background: var(--color-fog);
  color: var(--color-slate);
  line-height: 1.3;
  font-size: var(--text-body-sm);
}
.asset-slot--sm { width: 72px; height: 72px; font-size: var(--text-caption); }
.token { color: var(--color-signal); font-weight: 600; }

/* ---------- Reveal (JS-gated so no-JS/reduced-motion stays visible) ---------- */
.reveal-ready [data-reveal] { opacity: 0; transform: translateY(20px); }

/* ---------- 4. Stat / trust band ---------- */
.stats__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-48);
  margin-bottom: var(--spacing-48);
}
.stat { display: flex; flex-direction: column; }
.stat__value {
  font-family: var(--font-display);
  font-weight: var(--fw-regular);
  font-size: var(--text-heading-lg);
  line-height: var(--leading-heading-lg);
  letter-spacing: var(--tracking-heading-lg);
  color: var(--color-ink);
}
.stat__seam {
  width: 48px;
  height: 2px;
  background: var(--color-signal);
  margin: var(--spacing-16) 0 var(--spacing-12);
}
.stat__label {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-slate);
}
.stats__trust {
  display: flex;
  align-items: center;
  gap: var(--spacing-32);
  border-top: 1px solid var(--color-mist);
  padding-top: var(--spacing-32);
}
.stats__trust p {
  font-size: var(--text-body);
  color: var(--color-slate);
  max-width: 60ch;
}
.stats__aapl { height: 60px; width: auto; flex-shrink: 0; }

/* ---------- 5. Programs grid ---------- */
.programs__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-24);
}
/* Each card is a 2-column layout (identity + rate on the left, terms/tags/proof on the
   right) so the wider 2x2 cards use their horizontal space instead of running long. */
.program {
  background: var(--color-alabaster);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  padding: clamp(var(--spacing-24), 2.5vw, var(--spacing-32));
  box-shadow: var(--shadow-card);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(20px, 2.5vw, 40px);
  align-items: stretch;
  transition: box-shadow var(--dur-nav) var(--ease-out), transform var(--dur-nav) var(--ease-out), border-color var(--dur-nav) var(--ease-out);
}
.program__main { display: flex; flex-direction: column; gap: var(--spacing-16); }
.program__side { display: flex; flex-direction: column; gap: var(--spacing-16); }
/* Below 900px each card stacks its two columns so nothing gets cramped. */
@media (max-width: 900px) { .program { grid-template-columns: 1fr; gap: var(--spacing-16); } }
.program:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-3px); border-color: var(--color-signal); }
.program__top { display: flex; flex-direction: column; gap: var(--spacing-8); }
.program__name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-heading-sm);
  letter-spacing: var(--tracking-heading-sm);
  color: var(--color-ink);
}
.program__line {
  font-size: var(--text-body-sm);
  color: var(--color-slate);
  line-height: 1.55;
  min-height: calc(1.55em * 2);
}
/* pulled-out rate hook */
.program__hook {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-4);
  padding: var(--spacing-16) 0;
  border-top: 1px solid var(--color-mist);
  border-bottom: 1px solid var(--color-mist);
}
.program__hook-label {
  order: -1;
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-slate);
}
.program__hook-value {
  font-family: var(--font-display);
  font-weight: var(--fw-regular);
  font-size: 30px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--color-ink);
}
.program__terms { display: flex; flex-direction: column; }
.program__term {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--spacing-12);
  padding: var(--spacing-8) 0;
}
.program__term + .program__term { border-top: 1px solid var(--color-mist); }
.program__term dt {
  font-size: var(--text-body-sm);
  color: var(--color-slate);
}
.program__term dd {
  margin: 0;
  font-size: var(--text-body-sm);
  font-weight: 600;
  color: var(--color-ink);
  text-align: right;
  line-height: 1.3;
}
.program__tags { display: flex; flex-wrap: wrap; gap: var(--spacing-8); list-style: none; padding: 0; margin: 0; }
.program__tags li {
  font-size: 12px;
  font-weight: 500;
  color: var(--color-slate);
  background: var(--color-fog);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-pill);
  padding: 4px 12px;
}
.program__proof {
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding: var(--spacing-12) var(--spacing-16);
  background: var(--color-fog);
  border-radius: var(--radius-input);
  border-left: 3px solid var(--color-signal);
}
.program__proof-label {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-signal);
}
.program__proof-value { font-size: var(--text-body-sm); font-weight: 500; color: var(--color-ink); line-height: 1.4; }
.program__cta { margin-top: auto; width: 100%; }
.programs__note {
  margin-top: var(--spacing-32);
  font-size: var(--text-caption);
  color: var(--color-slate);
}

/* ---------- 6. Choose path ---------- */
.choose__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-24);
}
.path {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-16);
  background: var(--color-fog);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  padding: var(--spacing-32);
  transition: border-color var(--dur-nav), box-shadow var(--dur-nav), transform var(--dur-nav);
}
.path:hover { border-color: var(--color-signal); box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }
.path__title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-subheading);
  color: var(--color-ink);
}
.path__body { font-size: var(--text-body-sm); color: var(--color-slate); line-height: 1.6; }
.path__cta { margin-top: auto; }

/* ---------- 7. Recent financings ---------- */
.financings__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-24);
}
.deal {
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-input);
  overflow: hidden;
  background: var(--color-alabaster);
  transition: border-color var(--dur-nav), transform var(--dur-nav), box-shadow var(--dur-nav);
}
.deal:hover { border-color: var(--color-signal); transform: translateY(-2px); box-shadow: var(--shadow-card); }
.deal__media { aspect-ratio: 16 / 10; background: var(--color-basalt); }
.deal__img { width: 100%; height: 100%; object-fit: cover; }
.deal__fallback {
  width: 100%;
  height: 100%;
  font-family: var(--font-display);
  font-size: var(--text-heading-sm);
  font-weight: 400;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #232734 0%, #14161b 100%);
}
.deal__body { padding: var(--spacing-16) var(--spacing-20) var(--spacing-20); }
.deal__amount {
  display: block;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-subheading);
  letter-spacing: var(--tracking-subheading);
  color: var(--color-ink);
}
.deal__meta { display: block; margin-top: var(--spacing-4); font-size: var(--text-caption); color: var(--color-slate); }

/* ---------- 8. Process (inverted) ---------- */
.process__phases {
  display: flex;
  flex-wrap: wrap;
  gap: var(--spacing-12);
  list-style: none;
  padding: 0;
  margin: 0 0 var(--spacing-48);
}
.pchip {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-8);
  padding: 10px 18px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius-pill);
  font-size: var(--text-body-sm);
  color: rgba(255, 255, 255, 0.9);
}
.pchip span { color: var(--color-signal-on-dark); font-size: var(--text-body); }
/* Alternating roadmap / timeline (replaces the old row of text boxes) */
.process__steps {
  position: relative;
  list-style: none;
  padding: 0;
  margin: 0 auto;
  max-width: 960px;
}
/* the spine */
.process__steps::before {
  content: "";
  position: absolute;
  left: 50%;
  top: 6px;
  bottom: 6px;
  width: 2px;
  transform: translateX(-1px);
  background: linear-gradient(180deg, var(--color-signal), var(--color-mist));
  border-radius: 2px;
}
.pstep {
  position: relative;
  width: 50%;
  padding-right: 44px;
  margin-bottom: var(--spacing-24);
  box-sizing: border-box;
}
.pstep:nth-child(even) {
  margin-left: 50%;
  padding-right: 0;
  padding-left: 44px;
}
/* numbered node sitting on the spine */
.pstep__node {
  position: absolute;
  top: 4px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: var(--fw-bold);
  font-size: var(--text-body);
  color: var(--color-navy);
  background: var(--color-signal);
  box-shadow: 0 0 0 5px var(--color-cream), var(--shadow-card);
  z-index: 1;
}
.pstep:nth-child(odd) .pstep__node { right: -23px; }
.pstep:nth-child(even) .pstep__node { left: -23px; }
.pstep__card {
  background: var(--color-alabaster);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: var(--spacing-24);
  transition: box-shadow var(--dur-nav) var(--ease-out), transform var(--dur-nav) var(--ease-out);
}
.pstep__card:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }
.pstep__kicker {
  display: block;
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-gold-ink);
  margin-bottom: var(--spacing-8);
}
.pstep__title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: var(--text-subheading);
  color: var(--color-navy);
  margin-bottom: var(--spacing-8);
}
.pstep__text { font-size: var(--text-body-sm); color: var(--color-slate); line-height: 1.55; }
.process__cta { margin-top: var(--spacing-48); text-align: center; }

@media (max-width: 767px) {
  .process__steps { max-width: 100%; }
  .process__steps::before { left: 22px; }
  .pstep,
  .pstep:nth-child(even) {
    width: 100%;
    margin-left: 0;
    padding-left: 64px;
    padding-right: 0;
  }
  .pstep:nth-child(odd) .pstep__node,
  .pstep:nth-child(even) .pstep__node { left: 0; right: auto; }
}

/* ---------- 9. Calculator callout ---------- */
.calc__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-64);
  align-items: center;
}
.calc__copy .btn { margin-top: var(--spacing-32); }
.calc__panel {
  background: var(--color-alabaster);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: var(--spacing-32);
}
.calc__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: var(--spacing-12) 0;
  font-size: var(--text-body);
  color: var(--color-slate);
}
.calc__row b { font-family: var(--font-display); font-weight: 500; color: var(--color-ink); font-size: var(--text-subheading); }
.calc__row--result b { color: var(--color-signal); font-size: var(--text-heading-sm); }
.calc__divider { height: 1px; background: var(--color-mist); margin: var(--spacing-12) 0; }
.calc__meter { height: 8px; background: var(--color-mist); border-radius: var(--radius-pill); overflow: hidden; margin-top: var(--spacing-16); }
.calc__meter span { display: block; height: 100%; background: var(--color-signal); border-radius: var(--radius-pill); }
.calc__hint { margin-top: var(--spacing-16); font-size: var(--text-caption); color: var(--color-slate); }

/* ---------- 10. Testimonials (centered, single quote) ---------- */
.testi .section__head {
  text-align: center;
  max-width: 60ch;
  margin-left: auto;
  margin-right: auto;
}
.testi__carousel { max-width: 760px; margin: 0 auto; text-align: center; }
.testi__viewport { overflow: hidden; }
.testi__track { display: block; }
/* Only the active slide occupies layout — no overlap, clipping, or mid-slide jank. */
.testi__slide { display: none; }
.testi__slide[aria-hidden="false"] { display: block; }
.testi__quote {
  font-family: var(--font-display);
  font-weight: var(--fw-regular);
  font-size: var(--text-subheading);
  line-height: 1.5;
  letter-spacing: -0.01em;
  color: var(--color-ink);
  margin: 0 auto var(--spacing-24);
  max-width: 56ch;
}
.testi__author { font-size: var(--text-body-sm); font-weight: 600; color: var(--color-slate); }
.testi__controls { display: flex; align-items: center; justify-content: center; gap: var(--spacing-16); margin-top: var(--spacing-32); }
.testi__btn {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--color-mist);
  background: var(--color-alabaster);
  color: var(--color-ink);
  cursor: pointer;
  font-size: 18px;
  transition: border-color var(--dur-nav), background var(--dur-nav);
}
.testi__btn:hover { border-color: var(--color-signal); }
.testi__dots { display: flex; gap: var(--spacing-8); }
.testi__dot {
  width: 8px;
  height: 8px;
  padding: 0;
  border: none;
  border-radius: var(--radius-pill);
  background: var(--color-mist);
  cursor: pointer;
  transition: background var(--dur-nav), width var(--dur-nav);
}
.testi__dot[aria-selected="true"] { background: var(--color-signal); width: 22px; }

/* ---------- 11. Contact ---------- */
.contact__grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: var(--spacing-64); align-items: start; }
.contact__meta { margin-top: var(--spacing-32); display: flex; flex-direction: column; gap: var(--spacing-20); }
.contact__meta div {
  display: grid;
  grid-template-columns: 84px 1fr;
  align-items: baseline;
  gap: var(--spacing-16);
  padding-top: var(--spacing-16);
  border-top: 1px solid var(--color-mist);
}
.contact__meta dt {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-slate);
}
.contact__meta dd { margin: 0; font-size: var(--text-body); color: var(--color-ink); }
.contact__meta a:hover { color: var(--color-signal); }

.contact__form {
  background: var(--color-fog);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  padding: var(--spacing-32);
  display: flex;
  flex-direction: column;
  gap: var(--spacing-20);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--spacing-16); }
.field { display: flex; flex-direction: column; gap: var(--spacing-8); }
.field > span { font-size: var(--text-caption); font-weight: 500; color: var(--color-slate); }
.field i { color: var(--color-signal); font-style: normal; margin-left: 2px; }
.field input,
.field textarea {
  font-family: var(--font-body);
  font-size: 16px;
  color: var(--color-ink);
  background: var(--color-alabaster);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-input);
  padding: 12px 14px;
  transition: border-color var(--dur-nav), box-shadow var(--dur-nav);
}
.field input:focus,
.field textarea:focus { outline: none; border-color: var(--color-signal); box-shadow: 0 0 0 3px rgba(198, 161, 91, 0.28); }
.field input[aria-invalid="true"],
.field textarea[aria-invalid="true"] { border-color: #d23b3b; }
.field__error { font-size: var(--text-caption); color: #d23b3b; font-style: normal; min-height: 1em; }
.field--check { flex-direction: row; align-items: flex-start; gap: var(--spacing-12); }
.field--check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--color-signal); flex-shrink: 0; }
.field--check span { font-size: var(--text-caption); color: var(--color-slate); line-height: 1.5; }
.contact__submit { align-self: flex-start; margin-top: var(--spacing-8); }
.contact__success {
  background: rgba(198, 161, 91, 0.12);
  border: 1px solid var(--color-signal);
  border-radius: var(--radius-input);
  padding: var(--spacing-24);
  font-size: var(--text-body);
  color: var(--color-ink);
}
/* honeypot — off-screen, not display:none (bots skip hidden fields) */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- 12. Final CTA ---------- */
.final-cta__inner { max-width: 720px; text-align: center; margin: 0 auto; }
.final-cta__inner .section__lede { color: rgba(255, 255, 255, 0.78); margin: 0 auto; }
.final-cta__ctas { display: flex; gap: var(--spacing-16); justify-content: center; margin-top: var(--spacing-32); flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer { background: var(--color-obsidian); color: rgba(255, 255, 255, 0.7); }
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--spacing-48);
  padding-top: var(--section-y);
  padding-bottom: var(--spacing-64);
}
.footer__logo { height: 72px; width: auto; margin-bottom: var(--spacing-20); }
.footer__blurb { font-size: var(--text-body-sm); line-height: 1.6; max-width: 42ch; margin-bottom: var(--spacing-20); }
.footer__contact { font-style: normal; font-size: var(--text-body-sm); line-height: 1.7; }
.footer__contact a:hover { color: var(--color-alabaster); }
.footer__col { display: flex; flex-direction: column; gap: var(--spacing-12); }
.footer__col h3 {
  font-size: var(--text-eyebrow);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  font-weight: 600;
  color: var(--color-alabaster);
  margin-bottom: var(--spacing-4);
}
.footer__col a { font-size: var(--text-body-sm); transition: color var(--dur-nav); }
.footer__col a:hover { color: var(--color-alabaster); }
.footer__member {
  margin-top: var(--spacing-24);
  display: flex;
  align-items: center;
  gap: var(--spacing-16);
}
.footer__member img {
  height: 74px;
  width: auto;
  flex-shrink: 0;
}
.footer__member span {
  font-size: var(--text-caption);
  color: rgba(255, 255, 255, 0.6);
  max-width: 24ch;
  line-height: 1.4;
}
.footer__legal { border-top: 1px solid rgba(255, 255, 255, 0.1); padding: var(--spacing-32) 0; }
.footer__disclosure { font-size: var(--text-caption); line-height: 1.6; color: rgba(255, 255, 255, 0.55); max-width: 100ch; margin: 0 auto var(--spacing-16); text-align: center; }
.footer__copy { font-size: var(--text-caption); color: rgba(255, 255, 255, 0.55); text-align: center; }

/* ======================================================================
   Responsive — content sections
   ====================================================================== */
@media (max-width: 1024px) {
  .programs__grid { grid-template-columns: repeat(2, 1fr); }
  .process__steps { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 767px) {
  .stats__grid { grid-template-columns: 1fr; gap: var(--spacing-32); }
  .stats__trust { flex-direction: column; align-items: flex-start; gap: var(--spacing-20); }
  .programs__grid,
  .choose__grid,
  .process__steps { grid-template-columns: 1fr; }
  .financings__grid { grid-template-columns: 1fr 1fr; }
  .calc__grid,
  .contact__grid { grid-template-columns: 1fr; gap: var(--spacing-32); }
  .field-row { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .section__title { font-size: var(--text-heading-sm); letter-spacing: var(--tracking-heading-sm); }
}

@media (max-width: 480px) {
  .financings__grid { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
  .hero__scrollcue { display: none; }
  .reveal-ready [data-reveal] { opacity: 1; transform: none; }
}

/* ======================================================================
   PHASE 2 — multi-page interior pages
   ====================================================================== */

/* generic card + page header */
.card { background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); padding: var(--spacing-24); }
.pagehead-section { padding-top: clamp(40px, 5vw, 72px); padding-bottom: 0; }
.pagehead { max-width: 68ch; }
.pagehead__title { font-family: var(--font-display); font-weight: var(--fw-light); font-size: clamp(34px, 5vw, 58px); line-height: 1.06; letter-spacing: var(--tracking-display); color: var(--color-ink); }
.pagehead__lede { margin-top: var(--spacing-20); font-size: var(--text-lede); line-height: var(--leading-lede); color: var(--color-slate); max-width: 60ch; }
.container.narrow { max-width: 720px; }

/* feature grid (investors / brokers) */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--spacing-24); }
.feature h3 { font-family: var(--font-display); font-weight: 500; font-size: var(--text-subheading); color: var(--color-ink); margin-bottom: var(--spacing-8); }
.feature p { color: var(--color-slate); font-size: var(--text-body-sm); line-height: 1.6; }

/* program detail */
.prog__grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: start; margin-top: var(--spacing-16); }
.prog__overview { font-size: var(--text-lede); line-height: 1.6; color: var(--color-slate); }
.prog__h { font-family: var(--font-display); font-weight: 500; font-size: var(--text-subheading); color: var(--color-ink); margin: var(--spacing-32) 0 var(--spacing-16); }
.prog__h:first-child { margin-top: 0; }
.prog__list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: var(--spacing-12); }
.prog__list li { position: relative; padding-left: 22px; color: var(--color-ink); font-size: var(--text-body); }
.prog__list li::before { content: ""; position: absolute; left: 0; top: 9px; width: 7px; height: 7px; border-radius: 50%; background: var(--color-signal); }
.prog__terms { position: sticky; top: 96px; }
.prog__dl { display: flex; flex-direction: column; }
.prog__dl > div { display: flex; flex-direction: column; gap: 2px; padding: var(--spacing-12) 0; border-top: 1px solid var(--color-mist); }
.prog__dl dt { font-size: var(--text-eyebrow); letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; font-weight: 600; color: var(--color-slate); }
.prog__dl dd { margin: 0; font-size: var(--text-body); font-weight: 500; color: var(--color-ink); }
.prog__cta { display: flex; gap: var(--spacing-12); flex-wrap: wrap; margin-top: var(--spacing-24); }
.prog__note { margin-top: var(--spacing-16); font-size: var(--text-caption); color: var(--color-slate); }

/* team grid + member page */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--spacing-24); }
.team-card { display: flex; flex-direction: column; align-items: center; text-align: center; gap: var(--spacing-12); padding: var(--spacing-20); background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); transition: border-color var(--dur-nav), box-shadow var(--dur-nav), transform var(--dur-nav); }
.team-card:hover { border-color: var(--color-signal); box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }
.team-card__photo { width: 100%; aspect-ratio: 1 / 1; }
.team-card__name { font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); letter-spacing: -0.01em; color: var(--color-ink); }
.team-card__title { font-size: var(--text-body-sm); color: var(--color-slate); }
.teampage { display: grid; grid-template-columns: 280px 1fr; gap: clamp(24px, 4vw, 56px); align-items: start; }
.teampage__photo { width: 280px; max-width: 100%; aspect-ratio: 1 / 1; border-radius: var(--radius-card); font-size: var(--text-body-sm); line-height: 1.4; }
.teampage__title { font-size: var(--text-lede); color: var(--color-slate); font-weight: 600; margin-top: var(--spacing-8); }
.teampage__bio { margin-top: var(--spacing-16); font-size: var(--text-body); line-height: 1.7; color: var(--color-slate); }
.teampage__hint { margin-top: var(--spacing-16); font-size: var(--text-caption); color: var(--color-slate); }
.teampage .link-arrow { margin-top: var(--spacing-24); }

/* blog list + article */
.blog__list { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--spacing-24); }
.post-card { display: flex; flex-direction: column; gap: var(--spacing-12); padding: var(--spacing-24); background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); transition: border-color var(--dur-nav), box-shadow var(--dur-nav), transform var(--dur-nav); }
.post-card:hover { border-color: var(--color-signal); box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }
.post-card--featured { grid-column: 1 / -1; background: var(--color-fog); }
.post-card__cat { font-size: var(--text-eyebrow); letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; font-weight: 600; color: var(--color-signal); }
.post-card__title { font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); letter-spacing: -0.01em; color: var(--color-ink); line-height: 1.2; }
.post-card__excerpt { color: var(--color-slate); font-size: var(--text-body-sm); line-height: 1.6; }
.post-card__date { font-size: var(--text-caption); color: var(--color-slate); margin-top: auto; }
.article-head { padding-bottom: 0; }
.article-meta { font-size: var(--text-caption); color: var(--color-slate); margin-top: var(--spacing-12); }
.article p { font-size: var(--text-body); line-height: 1.75; color: var(--color-slate); margin-bottom: var(--spacing-20); }
.article h2 { font-family: var(--font-display); font-weight: 500; font-size: var(--text-heading-sm); letter-spacing: var(--tracking-heading-sm); color: var(--color-ink); margin: var(--spacing-32) 0 var(--spacing-12); }
.article-sample { background: var(--color-fog); border: 1px solid var(--color-mist); border-left: 3px solid var(--color-signal); border-radius: var(--radius-input); padding: var(--spacing-16) var(--spacing-20); color: var(--color-slate); font-size: var(--text-body-sm); }

/* deals filter */
.deals__bar { display: flex; flex-wrap: wrap; gap: var(--spacing-8); margin-bottom: var(--spacing-32); }
.chip { font-family: var(--font-body); font-size: var(--text-body-sm); font-weight: 500; color: var(--color-slate); background: var(--color-fog); border: 1px solid var(--color-mist); border-radius: var(--radius-pill); padding: 8px 18px; cursor: pointer; transition: border-color var(--dur-nav), background var(--dur-nav), color var(--dur-nav); }
.chip:hover { border-color: var(--color-signal); }
.chip.is-active { background: var(--color-signal); border-color: var(--color-signal); color: var(--color-alabaster); }
.deals__note { margin-top: var(--spacing-24); font-size: var(--text-caption); color: var(--color-slate); }

/* calculator page */
.calc__verdict { margin-top: var(--spacing-12); font-size: var(--text-body-sm); font-weight: 600; color: var(--color-ink); min-height: 1.2em; }
#dscr-calc .field { margin-bottom: var(--spacing-16); }
#dscr-calc .field input { font-size: 18px; }

@media (max-width: 900px) {
  .prog__grid { grid-template-columns: 1fr; }
  .prog__terms { position: static; }
}
@media (max-width: 767px) {
  .feature-grid, .team-grid, .blog__list { grid-template-columns: 1fr; }
  .teampage { grid-template-columns: 1fr; }
  .teampage__photo { width: 100%; }
  .post-card--featured { grid-column: auto; }
}

/* team avatar placeholders (light, initials) */
.avatar {
  display: flex; align-items: center; justify-content: center;
  background: var(--color-fog); border: 1px solid var(--color-mist);
  color: var(--color-slate); font-family: var(--font-display); font-weight: 500;
  letter-spacing: 0.02em; border-radius: var(--radius-card);
}
.team-card__photo.avatar { font-size: var(--text-heading-sm); }
.teampage__photo.avatar { font-size: var(--text-heading-lg); }

/* interior page trust scaffolding */
.trustband--section { border-top: 1px solid var(--color-mist); border-bottom: 1px solid var(--color-mist); }

.quote-band .container { text-align: center; }
.quote-band .eyebrow { margin-bottom: var(--spacing-16); }
.quote-band__quote {
  font-family: var(--font-display); font-weight: var(--fw-regular);
  font-size: var(--text-heading-sm); line-height: 1.4; letter-spacing: -0.01em;
  color: var(--color-ink); margin: 0 auto var(--spacing-20); max-width: 42ch;
}
.quote-band__author { font-size: var(--text-body-sm); font-weight: 600; color: var(--color-slate); }

.steps3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--spacing-32); list-style: none; padding: 0; margin: 0; }
.steps3 li { border-top: 2px solid var(--color-signal); padding-top: var(--spacing-16); }
.steps3__n { font-family: var(--font-display); font-weight: 300; font-size: var(--text-heading-sm); color: var(--color-signal); line-height: 1; }
.steps3__title { font-family: var(--font-display); font-weight: 500; font-size: var(--text-subheading); color: var(--color-ink); margin: var(--spacing-12) 0 var(--spacing-8); }
.steps3__body { font-size: var(--text-body-sm); color: var(--color-slate); line-height: 1.6; }

.proof-callout .container { text-align: center; }
.proof-callout__stat { font-family: var(--font-display); font-weight: 300; font-size: clamp(52px, 9vw, 96px); line-height: 1; letter-spacing: -0.03em; color: var(--color-alabaster); }
.proof-callout__text { margin: var(--spacing-20) auto 0; font-size: var(--text-lede); line-height: var(--leading-lede); color: rgba(255, 255, 255, 0.82); max-width: 50ch; }

.choose-guide { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--spacing-16); }
.choose-guide__card { display: flex; flex-direction: column; gap: var(--spacing-16); padding: var(--spacing-24); background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); transition: border-color var(--dur-nav), box-shadow var(--dur-nav), transform var(--dur-nav); }
.choose-guide__card:hover { border-color: var(--color-signal); box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }
.choose-guide__when { font-size: var(--text-body); color: var(--color-slate); line-height: 1.4; }
.choose-guide__prog { font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); color: var(--color-ink); margin-top: auto; }

@media (max-width: 767px) {
  .steps3, .choose-guide { grid-template-columns: 1fr; }
  .quote-band__quote { font-size: var(--text-subheading); }
}

/* ---------- page hero image band (interior pages) ---------- */
.pagehero { background: var(--color-cream); padding-top: var(--spacing-24); }
/* Wider than the 1200px content container (matches the homepage hero), still contained. */
.pagehero > .container { max-width: 1440px; padding: 0 var(--gutter); }
.pagehero__card {
  position: relative;
  border-radius: var(--radius-card);
  overflow: hidden;
  min-height: clamp(280px, 42vh, 420px);
  display: flex;
  align-items: flex-end;
}
.pagehero__media { position: absolute; inset: 0; z-index: 0; display: block; }
.pagehero__photo { width: 100%; height: 100%; object-fit: cover; object-position: 50% 55%; }
.pagehero__scrim {
  position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(90deg, rgba(9, 13, 20, 0.72) 0%, rgba(9, 13, 20, 0.42) 45%, rgba(9, 13, 20, 0.05) 80%),
    linear-gradient(0deg, rgba(9, 13, 20, 0.62) 0%, rgba(9, 13, 20, 0) 55%);
}
.pagehero__content { position: relative; z-index: 2; max-width: 680px; padding: clamp(28px, 4vw, 56px); color: var(--color-alabaster); }
.pagehero__eyebrow { font-size: var(--text-eyebrow); letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; font-weight: 600; color: rgba(255, 255, 255, 0.85); margin-bottom: var(--spacing-16); }
.pagehero__title { font-family: var(--font-display); font-weight: var(--fw-light); font-size: clamp(32px, 4.6vw, 54px); line-height: 1.06; letter-spacing: var(--tracking-display); }
.pagehero__lede { margin-top: var(--spacing-16); font-size: var(--text-lede); line-height: var(--leading-lede); color: rgba(255, 255, 255, 0.9); max-width: 52ch; }

/* article featured image */
.article-hero { margin-top: var(--spacing-24); }
.article-hero__img { width: 100%; aspect-ratio: 16 / 7; object-fit: cover; border-radius: var(--radius-card); }

/* Phase chips read on the light process sections (home + /process). The timeline itself
   is light by default, so only the chips need the light treatment. */
.process--light .process__phases,
.process .process__phases { justify-content: center; margin-top: var(--spacing-8); }
.pchip { border-color: var(--color-mist); color: var(--color-slate); }
.pchip span { color: var(--color-gold-ink); }

/* ---------- FAQ accordion ---------- */
.faq__list { display: flex; flex-direction: column; }
.faq__item { border-top: 1px solid var(--color-mist); }
.faq__item:last-child { border-bottom: 1px solid var(--color-mist); }
.faq__item summary { list-style: none; cursor: pointer; padding: var(--spacing-20) 0; display: flex; justify-content: space-between; align-items: center; gap: var(--spacing-16); font-family: var(--font-display); font-weight: 500; font-size: var(--text-subheading); color: var(--color-ink); }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after { content: "+"; font-family: var(--font-body); font-weight: 400; font-size: 26px; line-height: 1; color: var(--color-signal); flex: none; }
.faq__item[open] summary::after { content: "\2212"; }
.faq__a { padding: 0 0 var(--spacing-24); }
.faq__a p { color: var(--color-slate); font-size: var(--text-body); line-height: 1.65; max-width: 68ch; }

/* ---------- Glossary ---------- */
.glossary { display: flex; flex-direction: column; }
.glossary__row { padding: var(--spacing-20) 0; border-top: 1px solid var(--color-mist); }
.glossary__row:last-child { border-bottom: 1px solid var(--color-mist); }
.glossary__row dt { font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); color: var(--color-ink); margin-bottom: var(--spacing-8); }
.glossary__row dd { margin: 0; color: var(--color-slate); font-size: var(--text-body); line-height: 1.6; max-width: 68ch; }

/* ---------- Why Sphinx ---------- */
.why__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--spacing-32) var(--spacing-48); }
.why__item { border-top: 2px solid var(--color-signal); padding-top: var(--spacing-16); }
.why__item b { display: block; font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); letter-spacing: -0.01em; color: var(--color-ink); margin-bottom: var(--spacing-8); }
.why__item p { color: var(--color-slate); font-size: var(--text-body-sm); line-height: 1.6; }

/* ---------- Coverage ---------- */
.coverage__markets { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--spacing-24); list-style: none; padding: 0; margin: 0; }
.coverage__markets li { background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); padding: var(--spacing-24); }
.coverage__markets b { display: block; font-family: var(--font-display); font-weight: 700; font-size: var(--text-heading-sm); letter-spacing: -0.02em; color: var(--color-ink); }
.coverage__markets span { display: block; margin-top: var(--spacing-4); color: var(--color-slate); font-size: var(--text-body-sm); }

.section__cta { margin-top: var(--spacing-32); }

@media (max-width: 767px) {
  .why__grid, .coverage__markets { grid-template-columns: 1fr; }
  .faq__item summary { font-size: var(--text-body); }
}

/* ---------- Legal pages ---------- */
.legal .legal__h { font-family: var(--font-display); font-weight: 700; font-size: var(--text-heading-sm); letter-spacing: -0.02em; color: var(--color-ink); margin: var(--spacing-48) 0 var(--spacing-16); }
.legal .legal__h3 { font-family: var(--font-display); font-weight: 700; font-size: var(--text-subheading); letter-spacing: -0.01em; color: var(--color-ink); margin: var(--spacing-32) 0 var(--spacing-12); }
.legal p { color: var(--color-slate); font-size: var(--text-body); line-height: 1.7; margin-bottom: var(--spacing-16); max-width: 74ch; }

/* ---------- Real team photos ---------- */
/* Full-width square avatars (rounded-card corners) for photos AND initials tiles.
   height:auto lets aspect-ratio square the image (the width/height HTML attributes
   otherwise cancel aspect-ratio and stretch it into a tall rectangle). */
.team-card__photo,
.team-card__photo.avatar {
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius-card);
}
.team-card__img {
  width: 100%;
  height: auto;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  object-position: 50% 25%;
  border-radius: var(--radius-card);
  display: block;
}
.teampage__img {
  width: 100%;
  height: auto;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  object-position: 50% 30%;
}
.teampage__bio + .teampage__bio { margin-top: var(--spacing-16); }
.teampage__pending { color: var(--color-signal); font-weight: 500; }

/* ---------- DSCR calculator (advanced) ---------- */
.calc2 { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--spacing-32); align-items: start; }
.calc2__form { display: flex; flex-direction: column; gap: var(--spacing-16); background: var(--color-alabaster); border: 1px solid var(--color-mist); border-radius: var(--radius-card); padding: var(--spacing-24); box-shadow: var(--shadow-card); }
.calc2__formtitle { font-family: var(--font-display); font-weight: 600; font-size: var(--text-body); color: var(--color-navy); }
.calc2__formhint { font-size: var(--text-caption); color: var(--color-slate); margin-top: calc(-1 * var(--spacing-8)); }
.seg { display: inline-flex; width: 100%; background: var(--color-fog); border: 1px solid var(--color-mist); border-radius: var(--radius-pill); padding: 3px; gap: 2px; }
.seg--sm { width: auto; align-self: flex-start; margin-top: var(--spacing-4); }
.seg__btn { flex: 1; border: none; background: transparent; color: var(--color-slate); font-family: var(--font-body); font-weight: 500; font-size: var(--text-body-sm); padding: 8px 16px; border-radius: var(--radius-pill); cursor: pointer; white-space: nowrap; transition: background var(--dur-nav), color var(--dur-nav); }
.seg__btn[aria-pressed="true"] { background: var(--color-signal); color: #fff; }
.calc2__est { display: flex; flex-direction: column; gap: var(--spacing-16); }
.calc2__adv { border-top: 1px solid var(--color-mist); padding-top: var(--spacing-16); }
.calc2__adv summary { cursor: pointer; font-weight: 600; font-size: var(--text-body-sm); color: var(--color-signal); list-style: none; }
.calc2__adv summary::-webkit-details-marker { display: none; }
.calc2__adv[open] summary { margin-bottom: var(--spacing-16); }

.calc2__results { background: var(--color-obsidian); color: #fff; border-radius: var(--radius-card); padding: clamp(24px, 3vw, 36px); position: sticky; top: 88px; }
.calc2__dscr { text-align: center; padding-bottom: var(--spacing-20); border-bottom: 1px solid rgba(255,255,255,0.14); }
.calc2__dscr-label { font-size: var(--text-eyebrow); letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; color: rgba(255,255,255,0.7); }
.calc2__dscr b { display: block; font-family: var(--font-display); font-weight: 300; font-size: clamp(52px, 8vw, 76px); line-height: 1; letter-spacing: -0.03em; margin: var(--spacing-8) 0; }
.calc2__read { font-style: normal; font-weight: 600; font-size: var(--text-body-sm); color: rgba(255,255,255,0.8); }
.calc2__read[data-level="good"] { color: #54c98d; }
.calc2__read[data-level="ok"] { color: #9ec0ff; }
.calc2__read[data-level="low"] { color: #f0a3a3; }
.calc2__out { margin: var(--spacing-20) 0 0; }
.calc2__out > div { display: flex; justify-content: space-between; gap: var(--spacing-16); padding: var(--spacing-12) 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: var(--text-body-sm); }
.calc2__out dt { color: rgba(255,255,255,0.72); margin: 0; }
.calc2__out dd { margin: 0; font-family: var(--font-display); font-weight: 500; color: #fff; font-variant-numeric: tabular-nums; }
.calc2__target dd { color: #9ec0ff; }
.calc2__hint { font-size: var(--text-caption); color: rgba(255,255,255,0.55); margin: var(--spacing-16) 0; line-height: 1.5; }
.calc2__results .prog__cta { display: flex; flex-wrap: wrap; gap: var(--spacing-12); }
.calc2__results .btn--secondary { color: #fff; border-color: rgba(255,255,255,0.3); background: transparent; }
.calc2__results .btn--secondary:hover { background: rgba(255,255,255,0.08); }

.steps3__body a { color: var(--color-signal); font-weight: 500; }

@media (max-width: 900px) {
  .calc2 { grid-template-columns: 1fr; }
  .calc2__results { position: static; }
}

/* ---------- Long-form article extras (tables, dek, lists) ---------- */
.article-dek { font-size: var(--text-lede); line-height: var(--leading-lede); color: var(--color-ink); font-weight: 500; margin-bottom: var(--spacing-32); }
.article-list { margin: 0 0 var(--spacing-24); padding-left: var(--spacing-24); display: flex; flex-direction: column; gap: var(--spacing-8); color: var(--color-slate); font-size: var(--text-body); line-height: 1.65; }
.article-list li b { color: var(--color-ink); font-weight: 600; }
.table-wrap { overflow-x: auto; margin: var(--spacing-24) 0 var(--spacing-32); border: 1px solid var(--color-mist); border-radius: var(--radius-card); background: var(--color-alabaster); }
.article-table { width: 100%; border-collapse: collapse; font-size: var(--text-body-sm); min-width: 440px; }
.article-table caption { text-align: left; padding: var(--spacing-16) var(--spacing-20) var(--spacing-8); font-size: var(--text-eyebrow); letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; font-weight: 600; color: var(--color-signal); }
.article-table th, .article-table td { text-align: left; padding: var(--spacing-12) var(--spacing-20); border-bottom: 1px solid var(--color-mist); vertical-align: top; }
.article-table thead th { font-family: var(--font-display); font-weight: 700; color: var(--color-ink); background: var(--color-fog); }
.article-table tbody tr:last-child td { border-bottom: 0; }
.article-table td:first-child { font-weight: 600; color: var(--color-ink); white-space: nowrap; }
.article-table td { color: var(--color-slate); }
.article a:not(.btn) { color: var(--color-signal); text-decoration: underline; text-underline-offset: 2px; }
@media (max-width: 560px) { .article-table td:first-child { white-space: normal; } }

/* ---------- CLS: reserve space for JS-injected chrome ----------
   chrome.ts replaces #site-announce / #site-header via outerHTML after hydration. Until then
   they are empty divs, so the whole page shifted down when the 42-72px announce bar and the
   72px nav appeared (measured CLS 0.203). Reserving their real height removes the shift; the
   rule stops applying the moment the placeholder is replaced by the real chrome. */
#site-announce { min-height: 42px; }
#site-header { min-height: 90px; }
@media (max-width: 767px) {
  /* the announcement headline wraps to two lines on phones */
  #site-announce { min-height: 68px; }
}

/* ======================================================================
   Client feedback round (2026-08) — new components
   ====================================================================== */

/* Brand-color touches for the navy + gold system */
.program__name,
.trustband__stats b { color: var(--color-navy); }

/* ---------- Nav: Lendry "Log In" button (state-aware) ---------- */
.nav__login {
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--color-alabaster);
  background: transparent;
}
.nav__login:hover { background: rgba(255, 255, 255, 0.1); border-color: var(--color-signal); color: var(--color-signal-on-dark); }
.nav[data-state="transparent"] .nav__login {
  color: var(--color-alabaster);
  border-color: rgba(255, 255, 255, 0.55);
}
.nav[data-state="transparent"] .nav__login:hover { background: rgba(255, 255, 255, 0.12); border-color: #fff; }
@media (max-width: 900px) { .nav__login { display: none; } }

/* ---------- Where We Lend — geographic U.S. map ---------- */
.coverage__map { max-width: 880px; margin: var(--spacing-16) auto 0; }
.coverage__mapimg { width: 100%; height: auto; display: block; }
.coverage__legend {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--spacing-24);
  margin-top: var(--spacing-24);
  font-size: var(--text-body-sm);
  color: var(--color-slate);
}
.coverage__legend span { display: inline-flex; align-items: center; gap: var(--spacing-8); }
.coverage__legend i { width: 16px; height: 16px; border-radius: 4px; display: inline-block; }
.coverage__legend .is-on { background: var(--color-navy); }
.coverage__legend .is-off { background: #c8c0b0; }

/* ---------- Loan program detail: intro + best-for + full-width terms table ---------- */
.prog__intro { margin-bottom: var(--spacing-32); }
.prog__intro .prog__overview { max-width: 78ch; }
.prog__bestfor { margin-top: var(--spacing-48); }
.prog__bestfor .prog__list { max-width: 78ch; }
.terms-detail { margin-top: var(--spacing-32); }
.terms-detail__head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--spacing-16);
  margin-bottom: var(--spacing-24);
}
.terms-detail__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 clamp(24px, 4vw, 64px);
  background: var(--color-alabaster);
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: clamp(20px, 3vw, 40px);
}
.terms-detail__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--spacing-16);
  padding: var(--spacing-16) 0;
  border-bottom: 1px solid var(--color-mist);
}
.terms-detail__row dt {
  font-size: var(--text-body-sm);
  color: var(--color-slate);
}
.terms-detail__row dd {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--text-body-sm);
  color: var(--color-navy);
  text-align: right;
}
@media (max-width: 767px) {
  .terms-detail__grid { grid-template-columns: 1fr; padding: var(--spacing-20); }
}

/* ---------- Programs overview: full-width comparison table ---------- */
.compare-wrap {
  overflow-x: auto;
  border: 1px solid var(--color-mist);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  background: var(--color-alabaster);
}
.compare {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
  font-size: var(--text-body-sm);
}
.compare th,
.compare td {
  text-align: left;
  padding: var(--spacing-16) var(--spacing-20);
  border-bottom: 1px solid var(--color-mist);
  vertical-align: top;
}
.compare thead th {
  font-family: var(--font-display);
  font-weight: var(--fw-bold);
  font-size: var(--text-body);
  color: #fff;
  background: var(--color-navy);
  position: sticky;
  top: 0;
}
.compare thead th:first-child { background: var(--color-navy); }
.compare tbody th {
  font-weight: 600;
  color: var(--color-slate);
  background: var(--color-fog);
  white-space: nowrap;
}
.compare tbody td {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--color-navy);
}
.compare tbody tr:last-child th,
.compare tbody tr:last-child td { border-bottom: 0; }
.compare__rate { color: var(--color-gold-ink) !important; font-size: var(--text-subheading); }
.compare-note { margin-top: var(--spacing-16); font-size: var(--text-caption); color: var(--color-slate); }