/* ============================================================
   JANOVER CAPITAL · styles.css
   Design system: "Engraved Capital"
   Palette: bottle green / ledger ivory / engraved ink
   Type: Besley (display) · Archivo (body) · IBM Plex Mono (data)
   ============================================================ */

:root{
  --green-950:#08251C;
  --green-900:#0B2F23;
  --green-800:#0F3D2E;
  --green-700:#145C43;
  --green-600:#1E7A4F;
  --ink:#151B17;
  --ink-soft:#3D463F;
  --ink-mute:#68716A;
  --paper:#FFFFFF;
  --ledger:#F1F2EC;
  --ledger-deep:#E8EAE1;
  --line:#D9DED4;
  --line-dark:rgba(255,255,255,.16);
  --up:#1E7A4F;
  --down:#A33A2E;
  --gold:#8C6D2F;
  --gold-ink:#7A5E28; /* darker gold for small text on light bg; passes WCAG AA */

  --font-display:"Besley", "Georgia", serif;
  --font-body:"Archivo", -apple-system, "Segoe UI", sans-serif;
  --font-mono:"IBM Plex Mono", "SFMono-Regular", Menlo, monospace;

  --w-max:1180px;
  --w-text:720px;
  --radius:3px;
  --shadow:0 1px 2px rgba(21,27,23,.06), 0 8px 28px rgba(21,27,23,.08);
  --shadow-lg:0 2px 4px rgba(21,27,23,.08), 0 18px 50px rgba(21,27,23,.14);
  --ease:cubic-bezier(.22,.61,.2,1);
}

/* ---------- Reset / base ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  font-size:17px;line-height:1.65;
  color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img,svg{display:block;max-width:100%}
a{color:var(--green-700);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:3px}
button{font:inherit;cursor:pointer}
::selection{background:var(--green-900);color:#fff}
:focus-visible{outline:2px solid var(--green-600);outline-offset:3px;border-radius:2px}
.section--dark :focus-visible,.on-dark :focus-visible,.site-footer :focus-visible,.rate-strip :focus-visible,.sizer__result :focus-visible{outline-color:#9DC3AF} /* visible focus on dark surfaces */

.container{max-width:var(--w-max);margin:0 auto;padding:0 24px}
.container--text{max-width:var(--w-text)}

/* ---------- Type ---------- */
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.08;color:var(--ink);letter-spacing:-.01em}
.display-xl{font-size:clamp(2.6rem,6.4vw,4.6rem);line-height:1.02}
h1,.h1{font-size:clamp(2.2rem,5vw,3.4rem)}
h2,.h2{font-size:clamp(1.7rem,3.4vw,2.4rem)}
h3,.h3{font-size:clamp(1.2rem,2vw,1.45rem);line-height:1.25}
.lede{font-size:clamp(1.05rem,1.6vw,1.25rem);line-height:1.55;color:var(--ink-soft);max-width:56ch}
.eyebrow{
  font-family:var(--font-mono);font-size:.72rem;font-weight:500;
  letter-spacing:.18em;text-transform:uppercase;color:var(--green-700);
  display:flex;align-items:center;gap:12px;margin-bottom:18px;
}
.eyebrow::before{content:"";width:28px;height:1px;background:var(--green-700);flex:none}
.on-dark .eyebrow,.on-dark .eyebrow::before{color:#9DC3AF;background-color:#9DC3AF}
.mono{font-family:var(--font-mono)}
.muted{color:var(--ink-mute)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 28px;border-radius:var(--radius);border:1px solid transparent;
  font-weight:600;font-size:.98rem;letter-spacing:.01em;line-height:1;
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s;
  text-decoration:none !important;white-space:nowrap;
}
.btn--primary{background:var(--green-900);color:#fff}
.btn--primary:hover{background:var(--green-800);transform:translateY(-1px);box-shadow:var(--shadow)}
.btn--ghost{border-color:var(--green-900);color:var(--green-900);background:transparent}
.btn--ghost:hover{background:rgba(11,47,35,.05)}
.on-dark .btn--primary{background:#fff;color:var(--green-950)}
.on-dark .btn--primary:hover{background:var(--ledger)}
.on-dark .btn--ghost{border-color:rgba(255,255,255,.45);color:#fff}
.on-dark .btn--ghost:hover{background:rgba(255,255,255,.08)}
.btn--lg{padding:18px 34px;font-size:1.05rem}
.btn[disabled]{opacity:.55;pointer-events:none}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.94);
  -webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);
}
.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.brand{display:flex;flex-direction:column;line-height:1;text-decoration:none !important}
.brand__name{font-family:var(--font-display);font-weight:800;font-size:1.42rem;letter-spacing:.015em;color:var(--green-950)}
.brand__sub{font-family:var(--font-mono);font-size:.6rem;letter-spacing:.42em;text-transform:uppercase;color:var(--gold-ink);margin-top:5px}
.site-footer .brand__sub{color:#C9A961}
.nav{display:flex;align-items:center;gap:30px}
.nav a{color:var(--ink-soft);font-weight:500;font-size:.95rem;text-decoration:none}
.nav a:hover,.nav a[aria-current="page"]{color:var(--green-900)}
.nav a[aria-current="page"]{box-shadow:0 2px 0 var(--green-900)}
.nav .has-menu{position:relative}
.nav .menu-trigger{background:none;border:0;color:var(--ink-soft);font-weight:500;font-size:.95rem;display:inline-flex;align-items:center;gap:6px;padding:6px 0}
.nav .menu-trigger:hover{color:var(--green-900)}
.nav .menu{
  position:absolute;top:calc(100% + 14px);left:-18px;min-width:280px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:10px;display:none;
}
.nav .has-menu.open .menu,.nav .has-menu:focus-within .menu{display:block}
.nav .menu a{display:block;padding:11px 14px;border-radius:2px;font-size:.94rem;color:var(--ink)}
.nav .menu a:hover{background:var(--ledger);text-decoration:none}
.nav .menu a small{display:block;color:var(--ink-mute);font-weight:400;font-size:.8rem;margin-top:2px}
.header-cta{display:flex;align-items:center;gap:18px}
.header-phone{font-family:var(--font-mono);font-size:.88rem;color:var(--green-900);font-weight:500}
.nav-toggle{display:none;background:none;border:0;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--green-950);margin:5px 0;transition:.25s var(--ease)}

/* mobile nav */
@media(max-width:960px){
  .nav{
    position:fixed;inset:76px 0 auto 0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;gap:0;padding:12px 24px 28px;
    transform:translateY(-110%);transition:transform .3s var(--ease);box-shadow:var(--shadow-lg);
    max-height:calc(100vh - 76px);max-height:calc(100dvh - 76px);overflow:auto;
  }
  .nav.open{transform:translateY(0)}
  .nav a,.nav .menu-trigger{padding:14px 0;border-bottom:1px solid var(--line);width:100%;text-align:left;font-size:1.05rem}
  .nav .menu{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 16px;min-width:0}
  .nav .menu a{border-bottom:0;padding:10px 0;font-size:.98rem}
  .nav .menu-trigger .chev{display:none}
  .nav-toggle{display:block}
  .nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle.open span:nth-child(2){opacity:0}
  .nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .header-phone{display:none}
}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--paper);overflow:hidden;border-bottom:1px solid var(--line)}
.hero__inner{position:relative;padding:96px 0 84px;z-index:2}
.hero .guilloche{
  position:absolute;top:-140px;right:-180px;width:760px;height:760px;
  color:var(--green-900);opacity:.09;z-index:1;pointer-events:none;
}
.hero .guilloche--small{top:auto;bottom:-320px;right:auto;left:-320px;width:620px;height:620px;opacity:.05}
.hero__cta{display:flex;gap:16px;flex-wrap:wrap;margin-top:38px}
.hero .lede{margin-top:22px}
.hero__note{margin-top:26px;font-size:.9rem;color:var(--ink-mute);font-family:var(--font-mono)}
@media(max-width:640px){.hero__inner{padding:64px 0 56px}.hero .guilloche{width:520px;right:-220px;top:-120px}}

/* ---------- Rate strip ---------- */
.rate-strip{background:var(--green-950);color:#fff;border-bottom:1px solid var(--green-900)}
.rate-strip[hidden]{display:none}
.rate-strip__inner{display:flex;align-items:stretch;gap:0;overflow-x:auto;scrollbar-width:none}
.rate-strip__inner::-webkit-scrollbar{display:none}
.rate{
  display:flex;flex-direction:column;gap:3px;padding:16px 26px;
  border-right:1px solid var(--line-dark);min-width:150px;flex:none;
}
.rate:first-child{padding-left:0}
.rate__label{font-family:var(--font-mono);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:#9DC3AF}
.rate__value{font-family:var(--font-mono);font-size:1.18rem;font-weight:500;font-variant-numeric:tabular-nums;display:flex;align-items:baseline;gap:8px}
.rate__delta{font-size:.72rem;font-weight:500}
.rate__delta.up{color:#7FD6A4}
.rate__delta.down{color:#F0A08E}
.rate--meta{margin-left:auto;justify-content:center;border-right:0;padding-right:0;min-width:0}
.rate--meta .rate__label{color:#6E9583}
@media(max-width:640px){.rate{padding:13px 18px;min-width:128px}.rate__value{font-size:1.02rem}}

/* ---------- Sections ---------- */
.section{padding:96px 0}
.section--ledger{background:var(--ledger)}
.section--dark{background:var(--green-950);color:#E9EFE9}
.section--dark h2,.section--dark h3{color:#fff}
.section--dark .lede{color:#B9C9BD}
.section--tight{padding:72px 0}
.section-head{max-width:760px;margin-bottom:56px}
.section-head--center{margin-left:auto;margin-right:auto;text-align:center}
.section-head--center .eyebrow{justify-content:center}
@media(max-width:640px){.section{padding:64px 0}.section-head{margin-bottom:38px}}

/* ---------- Proof band ---------- */
.proof{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
.proof--4{grid-template-columns:repeat(4,1fr)}
.proof__item{padding:38px 32px;border-right:1px solid var(--line)}
.proof__item:last-child{border-right:0}
/* Mono numerals: every glyph in a monospace face carries identical weight,
   so the figures can never render part-bold/part-light across platforms. */
.proof__num{font-family:var(--font-mono);font-weight:500;font-size:clamp(1.8rem,2.9vw,2.3rem);color:var(--green-900);line-height:1;letter-spacing:-.02em;display:flex;align-items:baseline;white-space:nowrap}
.proof__plus{font-family:var(--font-mono);font-weight:500;font-size:.62em;color:var(--gold-ink);margin-left:2px;transform:translateY(-.5em)}
.proof__label{margin-top:12px;color:var(--ink-soft);font-size:.9rem;line-height:1.5;max-width:30ch}
.proof-note{margin-top:14px;font-size:.8rem;color:var(--ink-mute)}
@media(max-width:1020px){.proof--4{grid-template-columns:1fr 1fr}.proof--4 .proof__item{border-bottom:1px solid var(--line)}.proof--4 .proof__item:nth-child(even){border-right:0}.proof--4 .proof__item:nth-child(n+3){border-bottom:0}}
@media(max-width:820px){.proof{grid-template-columns:1fr}.proof__item{border-right:0;border-bottom:1px solid var(--line)}.proof__item:last-child{border-bottom:0}}
@media(max-width:560px){.proof--4{grid-template-columns:1fr}.proof--4 .proof__item{border-right:0;border-bottom:1px solid var(--line)}.proof--4 .proof__item:last-child{border-bottom:0}}

/* ---------- Executions grid ---------- */
.exec-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.exec-card{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 30px 30px;display:flex;flex-direction:column;gap:12px;
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s;
  text-decoration:none !important;color:var(--ink);overflow:hidden;
}
.exec-card::after{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:var(--green-700);transition:width .3s var(--ease)}
.exec-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--green-700)}
.exec-card:hover::after{width:100%}
.exec-card__tag{font-family:var(--font-mono);font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink)}
.exec-card h3{color:var(--green-950)}
.exec-card p{color:var(--ink-soft);font-size:.95rem;flex:1}
.exec-card__btn{align-self:flex-start;margin-top:6px;display:inline-flex;align-items:center;justify-content:center;padding:12px 24px;border:1px solid var(--green-900);border-radius:var(--radius);color:var(--green-900);font-weight:600;font-size:.92rem;line-height:1;transition:background .18s var(--ease),color .18s var(--ease)}
.exec-card:hover .exec-card__btn{background:var(--green-900);color:#fff}
@media(max-width:960px){.exec-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.exec-grid{grid-template-columns:1fr}}

/* ---------- Process ---------- */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:step}
.process__step{position:relative;padding:0 34px 0 0;counter-increment:step}
.process__step + .process__step{padding-left:34px;border-left:1px solid var(--line-dark)}
.process__step::before{
  content:"0" counter(step);display:block;
  font-family:var(--font-mono);font-size:.78rem;letter-spacing:.2em;color:#7FA890;margin-bottom:18px;
}
.process__step h3{font-size:1.22rem;margin-bottom:12px}
.process__step p{color:#B9C9BD;font-size:.93rem}
@media(max-width:960px){
  .process{grid-template-columns:1fr 1fr;gap:44px 0}
  .process__step:nth-child(odd){padding-left:0;border-left:0}
}
@media(max-width:640px){
  .process{grid-template-columns:1fr;gap:38px}
  .process__step{padding:0;border-left:0 !important}
}

/* ---------- Split (engine / principal) ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center}
.split--rev{grid-template-columns:.95fr 1.05fr}
.split__body .btn{margin-top:30px}
.split ul.ticks{list-style:none;margin-top:26px;display:grid;gap:14px}
.split ul.ticks li{padding-left:30px;position:relative;color:var(--ink-soft);font-size:.98rem}
.section--dark .split ul.ticks li{color:#C6D4C9}
.split ul.ticks li::before{
  content:"";position:absolute;left:0;top:7px;width:14px;height:8px;
  border-left:2px solid var(--green-600);border-bottom:2px solid var(--green-600);transform:rotate(-45deg);
}
@media(max-width:960px){.split,.split--rev{grid-template-columns:1fr;gap:44px}}

/* engine panel: abstract lender-match visual */
.engine-panel{
  background:var(--green-950);border-radius:var(--radius);padding:34px;
  color:#DCE7DD;box-shadow:var(--shadow-lg);border:1px solid var(--green-800);
  font-family:var(--font-mono);position:relative;overflow:hidden;
}
.engine-panel .guilloche{position:absolute;right:-190px;bottom:-190px;width:430px;height:430px;color:#fff;opacity:.05}
.engine-panel__head{display:flex;justify-content:space-between;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:#7FA890;border-bottom:1px solid var(--line-dark);padding-bottom:14px;margin-bottom:18px}
.engine-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px dashed rgba(255,255,255,.12);font-size:.82rem}
.engine-row__name{color:#EDF3ED}
.engine-row__type{color:#7FA890;font-size:.7rem}
.engine-row__match{color:#7FD6A4;font-weight:500}
.engine-panel__foot{margin-top:18px;font-size:.7rem;color:#7FA890}

/* principal card */
.principal{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);
  padding:40px;position:relative;overflow:hidden;
}
.principal .guilloche{position:absolute;right:-160px;top:-160px;width:380px;height:380px;color:var(--green-900);opacity:.06}
.principal__photo{width:112px;height:112px;border-radius:50%;object-fit:cover;outline:1px solid rgba(140,109,47,.55);outline-offset:4px;margin-bottom:20px;position:relative;z-index:1;display:block}
.principal__role{font-family:var(--font-mono);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:14px}
.principal h3{font-size:1.6rem}
.principal p{margin-top:14px;color:var(--ink-soft);font-size:.97rem}
.principal__creds{margin-top:22px;display:flex;flex-wrap:wrap;gap:8px}
.cred{font-family:var(--font-mono);font-size:.7rem;letter-spacing:.06em;border:1px solid var(--line);border-radius:2px;padding:6px 10px;color:var(--ink-soft);background:var(--ledger)}

/* ---------- Mandates ---------- */
.mandates{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.mandate{
  border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;
  display:flex;flex-direction:column;gap:8px;
}
.mandate__range{font-family:var(--font-mono);font-weight:500;font-size:1.05rem;color:var(--green-900);font-variant-numeric:tabular-nums}
.mandate__title{font-weight:600;color:var(--ink)}
.mandate p{font-size:.9rem;color:var(--ink-mute)}
@media(max-width:960px){.mandates{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.mandates{grid-template-columns:1fr}}

/* ---------- Terms table (product pages) ---------- */
.terms-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.terms-table th,.terms-table td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem;vertical-align:top}
.terms-table tr:last-child th,.terms-table tr:last-child td{border-bottom:0}
.terms-table th{width:34%;font-family:var(--font-mono);font-weight:500;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mute);background:var(--ledger)}
.terms-table td{color:var(--ink);font-variant-numeric:tabular-nums}
.table-note{margin-top:12px;font-size:.8rem;color:var(--ink-mute)}
@media(max-width:640px){.terms-table th,.terms-table td{display:block;width:100%}.terms-table th{border-bottom:0;padding-bottom:4px}}

/* ---------- Prose (product/legal body) ---------- */
.prose{max-width:var(--w-text)}
.prose h2{margin:56px 0 18px}
.prose h3{margin:36px 0 12px}
.prose p{margin:0 0 18px;color:var(--ink-soft)}
.prose ul,.prose ol{margin:0 0 18px 22px;color:var(--ink-soft)}
.prose li{margin-bottom:8px}
.prose strong{color:var(--ink)}
.prose a,.faq__a a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px} /* links in body text are visibly links, not color-only */

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:24px 44px 24px 4px;position:relative;
  font-family:var(--font-display);font-weight:700;font-size:1.12rem;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);
  font-family:var(--font-mono);font-size:1.3rem;color:var(--green-700);transition:transform .2s var(--ease);
}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq .faq__a{padding:0 4px 26px;color:var(--ink-soft);max-width:66ch}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden}
.cta-band .guilloche{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:900px;height:900px;color:#fff;opacity:.05}
.cta-band__inner{position:relative;text-align:center;max-width:740px;margin:0 auto}
.cta-band .display-xl{color:#fff}
.cta-band .lede{margin:22px auto 0}
.cta-band__actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:40px}
.cta-band__phone{margin-top:26px;font-family:var(--font-mono);font-size:.9rem;color:#9DC3AF}
.cta-band__phone a{color:#fff}

/* ---------- Forms ---------- */
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:44px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.form-field{display:flex;flex-direction:column;gap:8px}
.form-field--full{grid-column:1 / -1}
.form-field label{font-weight:600;font-size:.9rem;color:var(--ink)}
.form-field label .req{color:var(--down)}
.form-field input,.form-field select,.form-field textarea{
  font:inherit;font-size:1rem;padding:14px 16px;border:1px solid var(--line);
  border-radius:var(--radius);background:#fff;color:var(--ink);width:100%;
  transition:border-color .15s,box-shadow .15s;
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{
  outline:none;border-color:var(--green-700);box-shadow:0 0 0 3px rgba(20,92,67,.14);
}
.form-field small{color:var(--ink-mute);font-size:.8rem}
.form-actions{grid-column:1 / -1;display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:8px}
.form-privacy{font-size:.8rem;color:var(--ink-mute);max-width:44ch}
.form-consent{font-size:.74rem;color:var(--ink-mute);line-height:1.55;border-top:1px solid var(--line);padding-top:14px;margin-top:4px}
.form-consent a{color:var(--ink-mute);text-decoration:underline;text-underline-offset:2px}
.form-consent a:hover{color:var(--green-700)}
/* inline validation states */
.form-field.invalid input,.form-field.invalid select,.form-field.invalid textarea{border-color:var(--down);box-shadow:0 0 0 3px rgba(163,58,46,.12)}
.form-field .field-error{display:none;color:var(--down);font-size:.8rem;font-weight:500}
.form-field.invalid .field-error{display:block}
@media(max-width:720px){.form-grid{grid-template-columns:1fr}.form-wrap{padding:28px 22px}}

/* ---------- Contact rail on form page ---------- */
.contact-rail{display:grid;gap:26px}
.contact-rail .rail-item{border-left:2px solid var(--green-700);padding-left:18px}
.contact-rail .rail-item strong{display:block;font-size:.9rem;margin-bottom:4px}
.contact-rail .rail-item span,.contact-rail .rail-item a{font-size:.95rem;color:var(--ink-soft)}
.page-grid{display:grid;grid-template-columns:1.5fr .8fr;gap:64px;align-items:start}
@media(max-width:960px){.page-grid{grid-template-columns:1fr;gap:44px}}

/* ---------- Page hero (interior) ---------- */
.page-hero{background:var(--ledger);border-bottom:1px solid var(--line);padding:72px 0 60px;position:relative;overflow:hidden}
.page-hero .guilloche{position:absolute;right:-230px;top:-230px;width:560px;height:560px;color:var(--green-900);opacity:.07}
.page-hero .lede{margin-top:18px}
.breadcrumb{font-family:var(--font-mono);font-size:.74rem;letter-spacing:.06em;color:var(--ink-mute);margin-bottom:22px}
.breadcrumb a{color:var(--ink-mute)}
.breadcrumb a:hover{color:var(--green-700)}
@media(max-width:640px){.page-hero{padding:48px 0 42px}}

/* ---------- Footer ---------- */
.site-footer{background:var(--green-950);color:#B9C9BD;padding:72px 0 36px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:44px;padding-bottom:48px;border-bottom:1px solid var(--line-dark)}
.site-footer .brand__name{color:#fff}
.footer-col .footer-col__title{font-family:var(--font-mono);font-size:.68rem;font-weight:500;letter-spacing:.18em;text-transform:uppercase;color:#8FB49E;margin-bottom:18px}
.footer-col ul{list-style:none;display:grid;gap:11px}
.footer-col a{color:#C6D4C9}
.footer-col a:hover{color:#fff}
.footer-about{max-width:34ch;margin-top:16px;color:#8FA394;font-size:.88rem}
.footer-legal{padding-top:28px;display:flex;flex-direction:column;gap:14px}
.footer-legal p{font-size:.76rem;color:#A2B2A6;max-width:100ch;line-height:1.6}
.footer-legal p a{color:#C6D3C9;text-decoration:underline;text-underline-offset:2px}
.footer-legal p a:hover{color:#fff}
.footer-legal .row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}
.footer-legal .row a{color:#B7C6BA;font-size:.8rem;text-decoration:underline;text-underline-offset:2px}
@media(max-width:960px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal-d1{transition-delay:.08s}.reveal-d2{transition-delay:.16s}.reveal-d3{transition-delay:.24s}
/* Above-the-fold content must never wait for JS: heroes use a pure CSS
   entrance, and the H1 (the LCP element) renders instantly. */
.hero .reveal,.page-hero .reveal{opacity:1;transform:none;transition:none;animation:rise .55s var(--ease) both}
.hero .reveal-d1,.page-hero .reveal-d1{animation-delay:.07s}
.hero .reveal-d2,.page-hero .reveal-d2{animation-delay:.14s}
.hero .reveal-d3,.page-hero .reveal-d3{animation-delay:.21s}
.hero h1,.page-hero h1{animation:none !important;opacity:1 !important;transform:none !important}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  .hero .reveal,.page-hero .reveal{animation:none}
  .btn,.exec-card{transition:none}
}

/* ---------- Mobile sticky CTA bar ---------- */
.mobile-cta{display:none}
@media(max-width:720px){
  .mobile-cta{
    display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;
    background:var(--green-950);border-top:1px solid var(--green-800);
    padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px;
  }
  .mobile-cta a{
    flex:1;display:flex;align-items:center;justify-content:center;
    padding:13px 10px;border-radius:var(--radius);font-weight:600;font-size:.95rem;line-height:1;
    color:#fff;border:1px solid rgba(255,255,255,.4);text-decoration:none;
  }
  .mobile-cta a.mobile-cta__primary{background:#fff;color:var(--green-950);border-color:#fff}
  body{padding-bottom:64px}
  .site-footer{padding-bottom:100px}
}

/* ---------- Utilities ---------- */
.mt-0{margin-top:0}.mt-24{margin-top:24px}.mt-40{margin-top:40px}.mt-56{margin-top:56px}
.center{text-align:center}
.hidden{display:none !important}
.skip-link{position:absolute;left:-9999px;top:0;background:#fff;color:var(--green-900);padding:12px 18px;z-index:100;font-weight:600}
.skip-link:focus{left:12px;top:12px}

/* ============ A+ PASS: brand lockup, testimonials, team ============ */

/* gold hairline across top of every page */
.site-header::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,var(--gold),#C9A961 40%,var(--gold));}
.site-header{position:sticky} /* keep */

/* brand lockup with rosette mark */
.brand{flex-direction:row;align-items:center;gap:12px}
.brand__mark{width:36px;height:36px;flex:none;color:var(--green-900)}
.site-footer .brand__mark{color:#9DC3AF}
.brand__stack{display:flex;flex-direction:column;line-height:1}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 30px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow);position:relative}
.quote-card::before{content:"\201C";font-family:var(--font-display);font-weight:800;
  font-size:4.2rem;line-height:.6;color:var(--gold);opacity:.55;display:block;height:.45em}
.quote-card blockquote{margin:0;font-family:var(--font-display);font-weight:600;
  font-size:1.12rem;line-height:1.4;color:var(--ink)}
.quote-card figcaption{margin-top:auto;padding-top:16px;border-top:1px solid var(--line)}
.quote-card figcaption strong{display:block;font-size:.92rem;color:var(--ink)}
.quote-card figcaption span{font-size:.82rem;color:var(--ink-mute)}
.stars{color:var(--gold-ink);letter-spacing:.18em;font-size:.85rem}
@media(max-width:1020px){.quotes{grid-template-columns:1fr 1fr}}
@media(max-width:680px){.quotes{grid-template-columns:1fr}}

/* thanks page: next steps */
.next-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:980px}
.next-step{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:28px;box-shadow:var(--shadow)}
.next-step__n{display:block;font-family:var(--font-mono);font-size:.78rem;letter-spacing:.2em;color:var(--gold-ink);margin-bottom:14px}
.next-step strong{display:block;font-size:1rem;color:var(--ink);margin-bottom:8px}
.next-step p{font-size:.9rem;color:var(--ink-soft)}
@media(max-width:820px){.next-steps{grid-template-columns:1fr}}

/* team */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.person{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow)}
.avatar{width:88px;height:88px;border-radius:50%;background:var(--green-950);
  display:flex;align-items:center;justify-content:center;position:relative;flex:none}
img.avatar{object-fit:cover;display:block;outline:1px solid rgba(140,109,47,.6);outline-offset:4px} /* ring via outline; ::after doesn't render on <img> */
.avatar span{font-family:var(--font-display);font-weight:700;font-size:1.5rem;color:#fff}
.avatar::after{content:"";position:absolute;inset:-5px;border:1px solid var(--gold);
  border-radius:50%;opacity:.6}
.avatar--alt{background:var(--ledger-deep)}
.avatar--alt svg{width:44px;height:44px;color:var(--green-900)}
.person h3{font-size:1.14rem}
.person .role{font-family:var(--font-mono);font-size:.68rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-ink)}
.person p{font-size:.88rem;color:var(--ink-soft)}
@media(max-width:960px){.team-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.team-grid{grid-template-columns:1fr}}


/* ---------- Blog ---------- */
.blog-embed{margin:0 0 28px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.blog-embed iframe{display:block;border:0;width:100%}
.blog-figure{margin:28px 0;padding:28px 20px 18px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.blog-figure svg{display:block;width:100%;height:auto}
.blog-figure figcaption{text-align:center;font-size:.8rem;color:var(--ink-mute);margin-top:10px}
.blog-subscribe{margin-top:48px;padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:var(--ledger)}
.blog-subscribe h3{margin-bottom:6px}
.blog-subscribe p{color:var(--ink-soft);font-size:.92rem;margin-bottom:14px}
.blog-subscribe__row{display:flex;gap:10px;flex-wrap:wrap}
.blog-subscribe__row input{flex:1;min-width:220px;font:inherit;font-size:1rem;padding:13px 16px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;color:var(--ink)}
.blog-subscribe__row input:focus{outline:none;border-color:var(--green-700);box-shadow:0 0 0 3px rgba(20,92,67,.14)}
.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}

/* ============ DEAL SIZER ============ */
.sizer{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden}
.sizer__inputs{padding:38px;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.sizer__inputs .form-field label{font-size:.82rem}
.sizer__result{background:var(--green-950);color:#E9EFE9;padding:38px;display:flex;
  flex-direction:column;justify-content:center;gap:6px;position:relative;overflow:hidden}
.sizer__result .guilloche{position:absolute;right:-170px;top:-170px;width:400px;height:400px;color:#fff;opacity:.05}
.sizer__label{font-family:var(--font-mono);font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:#7FA890}
.sizer__loan{font-family:var(--font-mono);font-weight:500;font-size:clamp(1.9rem,3.4vw,2.7rem);
  color:#fff;font-variant-numeric:tabular-nums;line-height:1.1}
.sizer__row{display:flex;gap:28px;margin-top:14px;flex-wrap:wrap}
.sizer__row div span{display:block}
.sizer__row .k{font-family:var(--font-mono);font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:#7FA890}
.sizer__row .v{font-family:var(--font-mono);font-size:1.05rem;color:#DCE7DD;font-variant-numeric:tabular-nums}
.sizer__note{margin-top:16px;font-size:.76rem;color:#7FA890;font-family:var(--font-mono)}
.sizer__cta{margin-top:22px}
@media(max-width:960px){.sizer{grid-template-columns:1fr}.sizer__inputs{grid-template-columns:1fr 1fr;padding:26px}.sizer__result{padding:30px 26px}}
@media(max-width:560px){.sizer__inputs{grid-template-columns:1fr}}

.exec-grid h2{font-size:clamp(1.2rem,2vw,1.45rem);line-height:1.25}

/* ---------- Form radios / conditional fields ---------- */
.cond[hidden]{display:none}
.radio-group{display:flex;flex-direction:column;gap:10px;margin-top:6px}
.radio-group label{display:flex;align-items:center;gap:10px;font-size:.95rem;color:var(--ink-soft);font-weight:400;cursor:pointer;padding:5px 0}
.radio-group input{width:18px;height:18px;accent-color:var(--green-700);flex:none}

/* ---------- Two-step form ---------- */
.form-step{border:0;margin:0;padding:0;min-width:0}
.stepped .form-step{display:none}
.stepped .form-step.form-step--active{display:block}
.form-step__intro{font-family:var(--font-display);font-weight:700;font-size:1.25rem;color:var(--ink);margin:0 0 20px}
.form-progress{display:none}
form.stepped .form-progress{display:flex;align-items:center;gap:16px;margin-bottom:26px}
.form-progress span#step-label{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--green-700);white-space:nowrap}
.form-progress__bar{flex:1;height:3px;background:var(--line);border-radius:2px;overflow:hidden}
.form-progress__bar span{display:block;height:100%;width:50%;background:var(--green-700);border-radius:2px;transition:width .3s var(--ease)}
.form-wrap{scroll-margin-top:96px}

/* ---------- Cross-device hardening ---------- */
.footer-col ul a,.rail-item a,.rail-item span{overflow-wrap:anywhere}
.form-field select{-webkit-appearance:menulist;appearance:auto}
@media(hover:none){.btn--primary:hover{transform:none}}
.form-fallback{font-size:.9rem;color:var(--down);background:#FBEEE6;border:1px solid rgba(163,58,46,.35);border-radius:var(--radius);padding:14px 16px;line-height:1.5}
.form-fallback a{color:var(--down);font-weight:600;text-decoration:underline}