/* ==========================================================================
   1 Business Funding — design system
   Palette: deep pine green / warm bone / burnished copper
   Type: Newsreader (display serif) + Sora (UI grotesque)
   ========================================================================== */

:root {
  --pine: #0d3a2d;
  --pine-deep: #08291f;
  --pine-dark: #051d16;
  --pine-soft: #16523f;
  --pine-tint: #e7efe9;
  --copper: #b06e2e;
  --copper-bright: #d99a52;
  --copper-soft: #f4e6d2;
  --bone: #f8f4ea;
  --paper: #fffdf7;
  --ink: #14211b;
  --slate: #58675e;
  --slate-soft: #8b978f;
  --line: #e2dccb;
  --line-soft: #ece7d8;
  --danger: #a33b2e;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-soft: 0 2px 24px rgba(13, 58, 45, 0.07);
  --shadow-lift: 0 18px 50px -18px rgba(8, 41, 31, 0.35);
  --serif: "Newsreader", ui-serif, Georgia, "Times New Roman", serif;
  --sans: "Sora", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif;
}

/* ----- Reset & base ----- */

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bone);
  -webkit-font-smoothing: antialiased;
  position: relative;
}

/* Subtle paper grain over everything */
body::after {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3CfeComponentTransfer%3E%3CfeFuncA type='table' tableValues='0 0.025'/%3E%3C/feComponentTransfer%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

img { max-width: 100%; display: block; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 500;
  line-height: 1.12;
  margin: 0 0 0.6em;
  color: var(--ink);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.6rem, 6vw, 4.4rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.05rem; }

h1 em, h2 em {
  font-style: italic;
  font-weight: 400;
  color: var(--pine-soft);
}

p { margin: 0 0 1em; }

a { color: var(--pine-soft); text-underline-offset: 3px; }
a:hover { color: var(--copper); }

.muted { color: var(--slate); }

::selection { background: var(--copper-soft); color: var(--pine-deep); }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--pine);
  color: #fff;
  padding: 0.6rem 1rem;
  z-index: 10000;
}
.skip-link:focus { left: 0.5rem; top: 0.5rem; }

/* ----- Layout primitives ----- */

.container {
  width: min(1180px, calc(100% - 3rem));
  margin: 0 auto;
}

.section { padding: clamp(4rem, 8vw, 6.5rem) 0; }
.section-tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.section-bg-paper { background: var(--paper); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.section-bg-pine { background: var(--pine-deep); color: #d9e4dc; }
.section-bg-pine h2, .section-bg-pine h3 { color: #f4f1e6; }
.section-bg-tint { background: var(--pine-tint); }

.eyebrow {
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--copper);
  margin: 0 0 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.eyebrow-line::before {
  content: "";
  width: 2.2rem;
  height: 1px;
  background: var(--copper);
  display: inline-block;
}

.lede {
  font-size: 1.16rem;
  color: var(--slate);
  max-width: 62ch;
}

.mt-1 { margin-top: 0.75rem; }
.mt-2 { margin-top: 1.5rem; }
.mt-3 { margin-top: 2.5rem; }

/* ----- Buttons ----- */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 0.85rem 1.55rem;
  border-radius: 999px;
  border: 1.5px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
}
.btn:active { transform: translateY(1px); }

.btn-pine { background: var(--pine); color: #f6f3e8; }
.btn-pine:hover { background: var(--pine-soft); color: #fff; box-shadow: var(--shadow-lift); }

.btn-copper { background: var(--copper); color: #fff8ee; }
.btn-copper:hover { background: var(--copper-bright); color: var(--pine-dark); box-shadow: var(--shadow-lift); }

.btn-ghost { border-color: rgba(13, 58, 45, 0.3); color: var(--pine); background: transparent; }
.btn-ghost:hover { border-color: var(--pine); background: rgba(13, 58, 45, 0.05); color: var(--pine); }
.section-bg-pine .btn-ghost { border-color: rgba(255, 255, 255, 0.35); color: #ecf2ec; }
.section-bg-pine .btn-ghost:hover { border-color: #fff; background: rgba(255, 255, 255, 0.08); color: #fff; }

.btn-arrow::after {
  content: "→";
  transition: transform 0.18s ease;
}
.btn-arrow:hover::after { transform: translateX(4px); }

/* ----- Header ----- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(248, 244, 234, 0.86);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line-soft);
}

.header-inner {
  width: min(1240px, calc(100% - 2.5rem));
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 0.8rem 0;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  font-family: var(--serif);
  font-size: 1.22rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.01em;
  white-space: nowrap;
}
.logo:hover { color: var(--pine); }

.logo-mark {
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--pine);
  color: var(--copper-bright);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 600;
  font-style: italic;
  box-shadow: inset 0 0 0 1.5px rgba(217, 154, 82, 0.45);
}

.logo-sub { color: var(--slate); font-weight: 400; font-style: italic; }

.nav {
  display: flex;
  align-items: center;
  gap: 1.6rem;
  font-size: 0.92rem;
  font-weight: 500;
}
.nav > a, .nav-drop > button {
  color: var(--ink);
  text-decoration: none;
  padding: 0.35rem 0;
  border-bottom: 2px solid transparent;
}
.nav > a:hover { color: var(--pine-soft); border-bottom-color: var(--copper); }
.nav > a[aria-current="page"] { border-bottom-color: var(--copper); }

.nav-drop { position: relative; }
.nav-drop > button {
  font: inherit;
  background: none;
  border: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.nav-drop > button::after {
  content: "";
  width: 7px; height: 7px;
  border-right: 1.7px solid currentColor;
  border-bottom: 1.7px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.15s ease;
}
.nav-drop.is-open > button::after { transform: rotate(225deg) translateY(-2px); }
.nav-drop > button:hover { color: var(--pine-soft); }

.nav-drop-menu {
  position: absolute;
  top: calc(100% + 0.9rem);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  min-width: 270px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lift);
  padding: 0.55rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.16s ease, transform 0.16s ease, visibility 0.16s;
}
.nav-drop.is-open .nav-drop-menu,
.nav-drop:focus-within .nav-drop-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-drop-menu a {
  display: block;
  padding: 0.6rem 0.85rem;
  border-radius: var(--radius-sm);
  color: var(--ink);
  text-decoration: none;
}
.nav-drop-menu a:hover { background: var(--pine-tint); color: var(--pine); }
.nav-drop-menu a span {
  display: block;
  font-size: 0.78rem;
  color: var(--slate);
  font-weight: 400;
}

.nav-cta {
  background: var(--pine);
  color: #f6f3e8 !important;
  padding: 0.62rem 1.3rem !important;
  border-radius: 999px;
  border-bottom: none !important;
}
.nav-cta:hover { background: var(--copper); color: #fff !important; }

.nav-toggle {
  display: none;
  font: inherit;
  font-weight: 600;
  background: none;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  padding: 0.45rem 1rem;
  cursor: pointer;
  color: var(--ink);
}

@media (max-width: 940px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 0.75rem 1.25rem 1.25rem;
    display: none;
    box-shadow: var(--shadow-lift);
  }
  .nav.is-open { display: flex; }
  .nav > a, .nav-drop > button { padding: 0.7rem 0; width: 100%; text-align: left; }
  .nav-drop-menu {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    box-shadow: none;
    border: none;
    background: var(--bone);
    display: none;
    margin-bottom: 0.5rem;
  }
  .nav-drop.is-open .nav-drop-menu { display: block; }
  .nav-cta { margin-top: 0.75rem; text-align: center; justify-content: center; display: inline-flex; }
}

/* ----- Hero ----- */

.hero {
  padding: clamp(3.5rem, 7vw, 6rem) 0 clamp(3rem, 6vw, 5rem);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}

.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--pine);
  background: var(--pine-tint);
  border: 1px solid #d4e2d8;
  border-radius: 999px;
  padding: 0.4rem 1rem;
  margin-bottom: 1.4rem;
}
.hero-kicker .dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--copper);
  animation: pulse 2.2s infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(176, 110, 46, 0.45); }
  55% { box-shadow: 0 0 0 7px rgba(176, 110, 46, 0); }
}

.hero-lede { font-size: 1.18rem; color: var(--slate); max-width: 56ch; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 2rem; }

.hero-proof {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin-top: 2.2rem;
  font-size: 0.88rem;
  color: var(--slate);
}
.hero-proof-faces { display: flex; }
.hero-proof-faces img {
  width: 40px; height: 40px;
  border-radius: 50%;
  object-fit: cover;
  border: 2.5px solid var(--bone);
  margin-left: -10px;
}
.hero-proof-faces img:first-child { margin-left: 0; }

/* Hero visual: offset photo collage */
.hero-visual { position: relative; }
.hero-photo-main {
  width: 100%;
  aspect-ratio: 4 / 4.6;
  object-fit: cover;
  border-radius: 22px;
  box-shadow: var(--shadow-lift);
}
.hero-photo-second {
  position: absolute;
  width: 46%;
  aspect-ratio: 1;
  object-fit: cover;
  border-radius: 18px;
  border: 6px solid var(--bone);
  bottom: -2rem;
  left: -2.6rem;
  box-shadow: var(--shadow-lift);
}
.hero-badge {
  position: absolute;
  top: 1.4rem;
  right: -1rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-lift);
  padding: 0.85rem 1.15rem;
  font-size: 0.8rem;
  color: var(--slate);
  transform: rotate(2deg);
}
.hero-badge strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.45rem;
  color: var(--pine);
  letter-spacing: -0.01em;
}

@media (max-width: 940px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { margin-top: 1rem; padding-left: 2.6rem; }
  .hero-photo-main { aspect-ratio: 16 / 11; }
  .hero-badge { right: 0.5rem; }
}

/* ----- Marquee strip ----- */

.marquee {
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  background: var(--paper);
  overflow: hidden;
  padding: 0.9rem 0;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track {
  display: flex;
  gap: 3.2rem;
  width: max-content;
  animation: marquee 38s linear infinite;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track span {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.02rem;
  color: var(--slate);
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  gap: 3.2rem;
}
.marquee-track span::after { content: "✦"; color: var(--copper); font-style: normal; font-size: 0.75rem; }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .marquee-track { animation: none; }
}

/* ----- Product cards ----- */

.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 1.3rem;
  margin-top: 2.5rem;
}

.product-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.7rem 1.6rem;
  text-decoration: none;
  color: var(--ink);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
  overflow: hidden;
}
.product-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: linear-gradient(90deg, var(--copper), var(--copper-bright));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.product-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lift);
  border-color: #d7d0bd;
  color: var(--ink);
}
.product-card:hover::before { transform: scaleX(1); }

.product-icon {
  width: 46px; height: 46px;
  border-radius: 13px;
  background: var(--pine-tint);
  color: var(--pine);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.1rem;
}
.product-card h3 { font-size: 1.3rem; margin-bottom: 0.45rem; }
.product-card p { color: var(--slate); font-size: 0.93rem; flex: 1; }

.product-meta {
  display: flex;
  gap: 1.2rem;
  font-size: 0.78rem;
  color: var(--slate);
  border-top: 1px dashed var(--line);
  padding-top: 0.9rem;
  margin-top: 0.9rem;
}
.product-meta strong { display: block; color: var(--pine); font-size: 0.95rem; font-family: var(--serif); }

.product-cta {
  margin-top: 1.1rem;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--copper);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}
.product-card:hover .product-cta { color: var(--pine); }

/* ----- Stats band ----- */

.stats-band {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 2.5rem;
}
.stat-cell {
  background: var(--paper);
  padding: 1.8rem 1.5rem;
  text-align: center;
}
.stat-value {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 3.4vw, 2.7rem);
  font-weight: 500;
  color: var(--pine);
  letter-spacing: -0.02em;
  display: block;
  font-variant-numeric: tabular-nums;
}
.stat-label { font-size: 0.82rem; color: var(--slate); margin-top: 0.25rem; display: block; }

.section-bg-pine .stats-band { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.08); }
.section-bg-pine .stat-cell { background: var(--pine-deep); }
.section-bg-pine .stat-value { color: var(--copper-bright); }
.section-bg-pine .stat-label { color: #a8bcae; }

/* ----- Calculator ----- */

.calc {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  background: var(--pine-deep);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-lift);
  margin-top: 2.5rem;
}
.calc-controls { padding: clamp(1.8rem, 4vw, 3rem); }
.calc-controls h3 { color: #f4f1e6; font-size: 1.5rem; }
.calc-controls .calc-note { color: #9db4a5; font-size: 0.85rem; }

.calc-field { margin-top: 1.6rem; }
.calc-field-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.55rem;
}
.calc-field-head label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #9db4a5;
}
.calc-field-head output {
  font-family: var(--serif);
  font-size: 1.3rem;
  color: var(--copper-bright);
  font-variant-numeric: tabular-nums;
}

.calc-pills { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.calc-pill {
  font: inherit;
  font-size: 0.84rem;
  font-weight: 600;
  color: #c7d4ca;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 999px;
  padding: 0.5rem 1.05rem;
  cursor: pointer;
  transition: all 0.15s ease;
}
.calc-pill:hover { border-color: var(--copper-bright); color: #fff; }
.calc-pill.is-active {
  background: var(--copper);
  border-color: var(--copper);
  color: #fff;
}

.calc-result {
  background: var(--paper);
  padding: clamp(1.8rem, 4vw, 3rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.calc-result-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper);
}
.calc-result-value {
  font-family: var(--serif);
  font-size: clamp(2.6rem, 5vw, 3.6rem);
  color: var(--pine);
  letter-spacing: -0.02em;
  line-height: 1.05;
  margin: 0.4rem 0 0.2rem;
  font-variant-numeric: tabular-nums;
}
.calc-result-sub { color: var(--slate); font-size: 0.9rem; }
.calc-breakdown {
  margin-top: 1.5rem;
  border-top: 1px dashed var(--line);
  padding-top: 1.2rem;
  display: grid;
  gap: 0.55rem;
  font-size: 0.9rem;
}
.calc-breakdown div { display: flex; justify-content: space-between; }
.calc-breakdown dt { color: var(--slate); margin: 0; }
.calc-breakdown dd { margin: 0; font-weight: 600; color: var(--pine); font-variant-numeric: tabular-nums; }
.calc-disclaimer { font-size: 0.74rem; color: var(--slate-soft); margin-top: 1.3rem; }

@media (max-width: 880px) {
  .calc { grid-template-columns: 1fr; }
}

/* Range slider (shared by calculator + apply form) */

.range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(
    to right,
    var(--copper) 0%,
    var(--copper-bright) var(--range-pct, 50%),
    rgba(125, 140, 130, 0.3) var(--range-pct, 50%)
  );
  outline: none;
  cursor: pointer;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--paper);
  border: 3px solid var(--copper);
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.25);
  transition: transform 0.12s ease;
}
.range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.range::-moz-range-thumb {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--paper);
  border: 3px solid var(--copper);
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.25);
  cursor: pointer;
}
.range:focus-visible { box-shadow: 0 0 0 4px rgba(176, 110, 46, 0.25); }

.range-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--slate-soft);
  margin-top: 0.45rem;
}
.calc .range-ticks { color: #7e948a; }

/* ----- Loan matcher quiz ----- */

.matcher {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: clamp(1.8rem, 4vw, 3rem);
  margin-top: 2.5rem;
  box-shadow: var(--shadow-soft);
}
.matcher-steps { position: relative; }
.matcher-step { display: none; }
.matcher-step.is-active { display: block; animation: matcherIn 0.3s ease; }
@keyframes matcherIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: none; }
}
.matcher-q {
  font-family: var(--serif);
  font-size: clamp(1.3rem, 2.5vw, 1.7rem);
  margin-bottom: 1.3rem;
}
.matcher-count {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  display: block;
  margin-bottom: 0.6rem;
}
.matcher-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 0.8rem; }
.matcher-option {
  font: inherit;
  text-align: left;
  background: var(--bone);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 1rem 1.1rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.94rem;
  color: var(--ink);
  transition: all 0.15s ease;
}
.matcher-option span { display: block; font-weight: 400; font-size: 0.82rem; color: var(--slate); margin-top: 0.2rem; }
.matcher-option:hover { border-color: var(--copper); background: var(--copper-soft); transform: translateY(-2px); }

.matcher-result { display: none; text-align: center; padding: 1rem 0; }
.matcher-result.is-active { display: block; animation: matcherIn 0.35s ease; }
.matcher-result-tag {
  display: inline-block;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 0.6rem;
}
.matcher-result h3 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
.matcher-result p { color: var(--slate); max-width: 54ch; margin-left: auto; margin-right: auto; }
.matcher-result-actions { display: flex; gap: 0.8rem; justify-content: center; flex-wrap: wrap; margin-top: 1.5rem; }
.matcher-restart {
  font: inherit;
  background: none;
  border: none;
  color: var(--slate);
  text-decoration: underline;
  text-underline-offset: 3px;
  cursor: pointer;
  margin-top: 1.2rem;
  font-size: 0.85rem;
}
.matcher-restart:hover { color: var(--copper); }

/* ----- Process timeline ----- */

.timeline { margin-top: 3rem; display: grid; gap: 0; position: relative; }
.timeline-item {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 1.4rem;
  padding-bottom: 2.4rem;
  position: relative;
  opacity: 0.45;
  transition: opacity 0.45s ease;
}
.timeline-item.is-active { opacity: 1; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: "";
  position: absolute;
  left: 31px;
  top: 64px;
  bottom: 0;
  width: 2px;
  background: var(--line);
}
.timeline-item:last-child::before { display: none; }
.timeline-num {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--paper);
  border: 1.5px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.5rem;
  color: var(--slate);
  transition: all 0.45s ease;
  flex-shrink: 0;
}
.timeline-item.is-active .timeline-num {
  background: var(--pine);
  border-color: var(--pine);
  color: var(--copper-bright);
  box-shadow: 0 8px 24px -8px rgba(8, 41, 31, 0.5);
}
.timeline-body h3 { margin-bottom: 0.35rem; }
.timeline-body p { color: var(--slate); max-width: 60ch; margin-bottom: 0.3rem; }
.timeline-eta {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--copper);
}

/* ----- Comparison table ----- */

.compare-wrap { overflow-x: auto; margin-top: 2.5rem; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); }
.compare {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  min-width: 760px;
}
.compare th, .compare td { padding: 1.05rem 1.2rem; text-align: left; vertical-align: top; }
.compare thead th {
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--slate);
  border-bottom: 1.5px solid var(--line);
  background: var(--bone);
  position: sticky;
  top: 0;
}
.compare tbody tr { border-bottom: 1px solid var(--line-soft); transition: background 0.15s ease; }
.compare tbody tr:last-child { border-bottom: none; }
.compare tbody tr:hover { background: var(--copper-soft); }
.compare tbody th {
  font-family: var(--serif);
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--pine);
  white-space: nowrap;
}
.compare tbody th a { color: inherit; text-decoration: none; }
.compare tbody th a:hover { color: var(--copper); }
.compare td { color: var(--slate); }
.compare td strong { color: var(--ink); }

/* ----- Testimonials ----- */

.quote-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.3rem;
  margin-top: 2.5rem;
}
.quote-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.7rem 1.6rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-soft);
}
.quote-card blockquote {
  margin: 0 0 1.3rem;
  font-family: var(--serif);
  font-size: 1.06rem;
  line-height: 1.55;
  color: var(--ink);
  flex: 1;
}
.quote-card blockquote::before { content: "“"; color: var(--copper); font-size: 1.6em; line-height: 0; vertical-align: -0.32em; margin-right: 0.08em; }
.quote-person { display: flex; align-items: center; gap: 0.85rem; }
.quote-person img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.quote-person strong { display: block; font-size: 0.92rem; }
.quote-person span { font-size: 0.8rem; color: var(--slate); }
.quote-amount {
  margin-left: auto;
  font-size: 0.74rem;
  font-weight: 700;
  color: var(--pine);
  background: var(--pine-tint);
  border-radius: 999px;
  padding: 0.3rem 0.75rem;
  white-space: nowrap;
}

/* ----- Split sections (image + copy) ----- */

.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.split.is-flipped > .split-media { order: 2; }
.split-media { position: relative; }
.split-media img {
  width: 100%;
  aspect-ratio: 4 / 3.4;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: var(--shadow-lift);
}
.split-media .floating-card {
  position: absolute;
  bottom: -1.4rem;
  right: -1rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 0.9rem 1.2rem;
  box-shadow: var(--shadow-lift);
  font-size: 0.8rem;
  color: var(--slate);
  max-width: 230px;
}
.floating-card strong { display: block; font-family: var(--serif); font-size: 1.3rem; color: var(--pine); }
@media (max-width: 880px) {
  .split { grid-template-columns: 1fr; }
  .split.is-flipped > .split-media { order: 0; }
}

.check-list { list-style: none; padding: 0; margin: 1.2rem 0 0; display: grid; gap: 0.7rem; }
.check-list li { display: flex; gap: 0.7rem; align-items: flex-start; color: var(--slate); }
.check-list li::before {
  content: "✓";
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--pine-tint);
  color: var(--pine);
  font-size: 0.78rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.15rem;
}
.check-list li strong { color: var(--ink); }

/* ----- FAQ ----- */

.faq { margin-top: 2rem; max-width: 800px; }
.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 0.3rem 0;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.2rem;
  font-family: var(--serif);
  font-size: 1.12rem;
  font-weight: 500;
  padding: 1.05rem 0;
  color: var(--ink);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  flex-shrink: 0;
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--sans);
  font-size: 1rem;
  color: var(--slate);
  transition: all 0.2s ease;
}
.faq-item[open] summary::after { content: "−"; background: var(--pine); border-color: var(--pine); color: #fff; }
.faq-item summary:hover::after { border-color: var(--copper); color: var(--copper); }
.faq-item[open] summary { color: var(--pine); }
.faq-body { padding: 0 2.8rem 1.2rem 0; color: var(--slate); }
.faq-body p:last-child { margin-bottom: 0; }

/* ----- CTA banner ----- */

.cta-banner {
  background:
    radial-gradient(900px 420px at 85% -20%, rgba(217, 154, 82, 0.22), transparent 60%),
    var(--pine-deep);
  color: #d9e4dc;
  padding: clamp(3.5rem, 7vw, 5.5rem) 0;
}
.cta-banner-inner {
  width: min(1180px, calc(100% - 3rem));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 4fr);
  gap: 2.5rem;
  align-items: center;
}
.cta-banner h2 { color: #f6f3e8; }
.cta-banner p { color: #a8bcae; max-width: 56ch; }
.cta-banner-actions { display: flex; flex-direction: column; gap: 0.8rem; align-items: flex-start; }
@media (max-width: 880px) {
  .cta-banner-inner { grid-template-columns: 1fr; }
  .cta-banner-actions { flex-direction: row; flex-wrap: wrap; }
}

/* ----- Footer ----- */

.site-footer {
  background: var(--pine-dark);
  color: #93a89a;
  font-size: 0.9rem;
}
.footer-inner {
  width: min(1180px, calc(100% - 3rem));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(240px, 1.5fr) repeat(3, minmax(140px, 1fr));
  gap: 2.5rem;
  padding: 3.5rem 0 2.5rem;
}
.footer-brand .logo { color: #f6f3e8; }
.footer-brand .logo:hover { color: var(--copper-bright); }
.footer-brand .logo-sub { color: #7e948a; }
.footer-brand p { margin-top: 1rem; max-width: 36ch; }
.footer-col h4 {
  color: #e9e4d4;
  font-family: var(--sans);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.55rem; }
.footer-col a { color: #93a89a; text-decoration: none; }
.footer-col a:hover { color: var(--copper-bright); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 1.4rem 0;
}
.footer-bottom-inner {
  width: min(1180px, calc(100% - 3rem));
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 2rem;
  justify-content: space-between;
  font-size: 0.78rem;
  color: #6d8276;
}
.footer-disclosure {
  width: min(1180px, calc(100% - 3rem));
  margin: 0 auto;
  padding: 0 0 2rem;
  font-size: 0.74rem;
  line-height: 1.7;
  color: #5d7268;
}
@media (max-width: 880px) {
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

/* ----- Page hero (interior pages) ----- */

.page-hero {
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(2rem, 4vw, 3rem);
}
.page-hero .lede { margin-top: 0.4rem; }
.page-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.page-hero-grid img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: var(--shadow-lift);
}
@media (max-width: 880px) {
  .page-hero-grid { grid-template-columns: 1fr; }
}

/* At-a-glance chips on loan pages */
.glance {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 2.5rem 0 0;
}
.glance-cell { background: var(--paper); padding: 1.3rem 1.4rem; }
.glance-cell dt { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--slate); margin: 0 0 0.3rem; }
.glance-cell dd { margin: 0; font-family: var(--serif); font-size: 1.25rem; color: var(--pine); }

/* Loan page body layout: content + sticky aside */
.loan-layout {
  display: grid;
  grid-template-columns: minmax(0, 8fr) minmax(280px, 4fr);
  gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
}
.loan-aside { position: sticky; top: 92px; display: grid; gap: 1.2rem; }
.aside-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem 1.5rem;
  box-shadow: var(--shadow-soft);
}
.aside-card h3 { font-size: 1.15rem; }
.aside-card .btn { width: 100%; justify-content: center; margin-top: 0.9rem; }
.aside-card-pine { background: var(--pine-deep); border-color: var(--pine-deep); color: #c3d2c7; }
.aside-card-pine h3 { color: #f4f1e6; }
.aside-card ul { padding-left: 1.1rem; margin: 0.6rem 0 0; color: var(--slate); font-size: 0.9rem; display: grid; gap: 0.35rem; }
.aside-card-pine ul { color: #a8bcae; }
@media (max-width: 940px) {
  .loan-layout { grid-template-columns: 1fr; }
  .loan-aside { position: static; }
}

.loan-prose h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-top: 2.6rem; }
.loan-prose h2:first-child { margin-top: 0; }
.loan-prose p, .loan-prose li { color: var(--slate); }
.loan-prose li { margin-bottom: 0.4rem; }
.loan-prose strong { color: var(--ink); }

/* Simple data table on loan pages */
.data-table { width: 100%; border-collapse: collapse; font-size: 0.92rem; margin: 1.2rem 0; }
.data-table th, .data-table td { text-align: left; padding: 0.75rem 0.9rem; border-bottom: 1px solid var(--line-soft); }
.data-table th { font-size: 0.74rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--slate); }
.data-table td { color: var(--slate); }
.data-table td:first-child { color: var(--ink); font-weight: 600; }

/* ----- Team grid ----- */

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.team-card { text-align: left; }
.team-card img {
  width: 100%;
  aspect-ratio: 1 / 1.08;
  object-fit: cover;
  border-radius: var(--radius);
  filter: saturate(0.92);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.team-card:hover img { transform: translateY(-4px); box-shadow: var(--shadow-lift); }
.team-card h3 { font-size: 1.12rem; margin: 0.9rem 0 0.1rem; }
.team-card .team-role { font-size: 0.82rem; color: var(--copper); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }
.team-card p { font-size: 0.88rem; color: var(--slate); margin-top: 0.5rem; }

/* ----- Resources / article cards ----- */

.article-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 1.3rem; margin-top: 2.5rem; }
.article-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  text-decoration: none;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lift); color: var(--ink); }
.article-card img { aspect-ratio: 16 / 9; object-fit: cover; width: 100%; }
.article-card-body { padding: 1.3rem 1.4rem 1.5rem; display: flex; flex-direction: column; flex: 1; }
.article-tag { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--copper); margin-bottom: 0.5rem; }
.article-card h3 { font-size: 1.18rem; margin-bottom: 0.4rem; }
.article-card p { font-size: 0.88rem; color: var(--slate); flex: 1; }
.article-read { font-size: 0.82rem; font-weight: 600; color: var(--pine); }

/* ----- Reveal on scroll ----- */

.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: 0.08s; }
.reveal-d2 { transition-delay: 0.16s; }
.reveal-d3 { transition-delay: 0.24s; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ==========================================================================
   Application form
   ========================================================================== */

.apply-hero {
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(3rem, 6vw, 5rem);
}
.apply-container { max-width: 980px; }
.apply-hero-head h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); }
.apply-hero-lede { font-size: 1.1rem; color: var(--slate); max-width: 60ch; }

.apply-rep-banner {
  display: none;
  align-items: center;
  gap: 0.7rem;
  background: var(--pine-tint);
  border: 1px solid #cfe0d4;
  border-radius: 999px;
  padding: 0.55rem 1.2rem;
  font-size: 0.88rem;
  color: var(--pine);
  margin-bottom: 1.4rem;
  width: fit-content;
}
.apply-rep-banner.is-active { display: inline-flex; }
.apply-rep-banner .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--copper); }

.applyform {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 24px;
  box-shadow: var(--shadow-lift);
  overflow: hidden;
}
.applyform-inner { padding: clamp(1.5rem, 4vw, 2.8rem); }

.applyform-progress {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2.2rem;
}
.applyform-progress-bar {
  flex: 1;
  height: 7px;
  border-radius: 999px;
  background: var(--line-soft);
  overflow: hidden;
}
.applyform-progress-fill {
  height: 100%;
  width: 0;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--pine-soft), var(--copper));
  transition: width 0.4s ease;
}
.applyform-progress-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--slate);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.applyform-stage { min-height: 380px; position: relative; }

.applyform-step { display: none; border: none; padding: 0; margin: 0; }
.applyform-step.is-active { display: block; animation: stepIn 0.32s ease; }
@keyframes stepIn {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: none; }
}

.applyform-section-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper);
  background: var(--copper-soft);
  border-radius: 999px;
  padding: 0.3rem 0.85rem;
  margin-bottom: 1rem;
}
.applyform-step-num {
  display: block;
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--slate-soft);
  padding: 0;
  margin-bottom: 0.2rem;
}
.applyform-step h3 {
  font-size: clamp(1.45rem, 3vw, 1.95rem);
  margin-bottom: 0.5rem;
}
.applyform-help { color: var(--slate); font-size: 0.95rem; max-width: 58ch; margin-bottom: 1.6rem; }

.applyform-field { margin-bottom: 1.1rem; }
.applyform-label {
  display: block;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 0.4rem;
}
.applyform-input, .applyform-select {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: var(--bone);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  outline: none;
  transition: border-color 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.applyform-input:focus, .applyform-select:focus {
  border-color: var(--pine-soft);
  background: var(--paper);
  box-shadow: 0 0 0 4px rgba(22, 82, 63, 0.12);
}
.applyform-input.is-locked, .applyform-select.is-locked {
  background: var(--line-soft);
  color: var(--slate);
  pointer-events: none;
}

.applyform-grid { display: grid; gap: 1.1rem; }
.applyform-grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.applyform-grid-address { grid-template-columns: repeat(6, minmax(0, 1fr)); }
.applyform-grid-address .field-street { grid-column: span 6; }
.applyform-grid-address .field-city { grid-column: span 3; }
.applyform-grid-address .field-state { grid-column: span 1; }
.applyform-grid-address .field-zip { grid-column: span 2; }
@media (max-width: 640px) {
  .applyform-grid-2 { grid-template-columns: 1fr; }
  .applyform-grid-address .field-city { grid-column: span 6; }
  .applyform-grid-address .field-state { grid-column: span 2; }
  .applyform-grid-address .field-zip { grid-column: span 4; }
}

/* Radio option cards */
.applyform-options { display: grid; gap: 0.65rem; }
.applyform-option {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  background: var(--bone);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.9rem 1.05rem;
  cursor: pointer;
  transition: all 0.14s ease;
  font-weight: 500;
}
.applyform-option:hover { border-color: var(--copper); background: var(--copper-soft); }
.applyform-option input { position: absolute; opacity: 0; pointer-events: none; }
.applyform-option-key {
  flex-shrink: 0;
  width: 26px; height: 26px;
  border-radius: 7px;
  border: 1.5px solid var(--line);
  background: var(--paper);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--slate);
  transition: all 0.14s ease;
}
.applyform-option:has(input:checked) {
  border-color: var(--pine);
  background: var(--pine-tint);
  box-shadow: 0 0 0 1px var(--pine);
}
.applyform-option:has(input:checked) .applyform-option-key {
  background: var(--pine);
  border-color: var(--pine);
  color: #fff;
}
.applyform-option:has(input:focus-visible) { box-shadow: 0 0 0 4px rgba(22, 82, 63, 0.18); }
.applyform-option-text small { display: block; font-weight: 400; color: var(--slate); font-size: 0.8rem; }

/* Sliders inside the form */
.applyform-slider-wrap { margin-top: 0.5rem; }
.applyform-slider-display { display: flex; align-items: baseline; gap: 0.7rem; margin-bottom: 1.4rem; }
.applyform-slider-value {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 5vw, 3.1rem);
  color: var(--pine);
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}
.applyform-slider-caption { color: var(--slate); font-size: 0.9rem; }
.applyform-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 7px;
  border-radius: 999px;
  background: linear-gradient(
    to right,
    var(--pine-soft) 0%,
    var(--copper) var(--applyform-slider-pct, 50%),
    var(--line-soft) var(--applyform-slider-pct, 50%)
  );
  outline: none;
  cursor: pointer;
}
.applyform-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--paper);
  border: 3.5px solid var(--pine);
  box-shadow: 0 3px 12px rgba(8, 41, 31, 0.3);
  transition: transform 0.12s ease;
}
.applyform-slider::-webkit-slider-thumb:hover { transform: scale(1.1); }
.applyform-slider::-moz-range-thumb {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--paper);
  border: 3.5px solid var(--pine);
  box-shadow: 0 3px 12px rgba(8, 41, 31, 0.3);
  cursor: pointer;
}
.applyform-slider:focus-visible { box-shadow: 0 0 0 4px rgba(22, 82, 63, 0.2); }
.applyform-slider-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.74rem;
  color: var(--slate-soft);
  margin-top: 0.5rem;
}

/* Privacy callout */
.applyform-privacy {
  display: flex;
  gap: 0.6rem;
  font-size: 0.82rem;
  color: var(--pine);
  background: var(--pine-tint);
  border: 1px solid #d4e2d8;
  border-radius: var(--radius-sm);
  padding: 0.8rem 1rem;
  margin-bottom: 1.4rem;
}
.applyform-privacy::before { content: "🔒"; font-size: 0.95rem; }

/* Toggle */
.applyform-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.92rem;
  font-weight: 500;
  cursor: pointer;
  margin-bottom: 1.3rem;
  user-select: none;
}
.applyform-toggle input { position: absolute; opacity: 0; }
.applyform-toggle-box {
  width: 42px; height: 24px;
  border-radius: 999px;
  background: var(--line);
  position: relative;
  transition: background 0.18s ease;
  flex-shrink: 0;
}
.applyform-toggle-box::after {
  content: "";
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.25);
  transition: transform 0.18s ease;
}
.applyform-toggle input:checked + .applyform-toggle-box { background: var(--pine); }
.applyform-toggle input:checked + .applyform-toggle-box::after { transform: translateX(18px); }
.applyform-toggle input:focus-visible + .applyform-toggle-box { box-shadow: 0 0 0 4px rgba(22, 82, 63, 0.2); }

/* Dropzone */
.applyform-dropzone {
  display: flex;
  align-items: center;
  gap: 1.1rem;
  border: 2px dashed var(--line);
  border-radius: var(--radius);
  background: var(--bone);
  padding: 1.6rem 1.5rem;
  cursor: pointer;
  transition: all 0.16s ease;
}
.applyform-dropzone:hover, .applyform-dropzone.is-dragging {
  border-color: var(--copper);
  background: var(--copper-soft);
}
.applyform-dropzone.has-files { border-style: solid; border-color: var(--pine-soft); }
.applyform-dropzone input[type="file"] { position: absolute; opacity: 0; pointer-events: none; width: 0; }
.applyform-dropzone-icon {
  flex-shrink: 0;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--paper);
  border: 1.5px solid var(--line);
  color: var(--pine);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.applyform-dropzone-text strong { color: var(--pine); }
.applyform-dropzone-hint { display: block; font-size: 0.8rem; color: var(--slate); margin-top: 0.15rem; }

.applyform-filelist { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: 0.5rem; }
.applyform-filelist-item {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.6rem 0.85rem;
  font-size: 0.88rem;
}
.applyform-filelist-icon { color: var(--pine); display: inline-flex; }
.applyform-filelist-name { flex: 1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.applyform-filelist-size { color: var(--slate-soft); font-size: 0.78rem; }
.applyform-filelist-remove {
  font: inherit;
  background: none;
  border: none;
  color: var(--slate);
  font-size: 1.1rem;
  cursor: pointer;
  line-height: 1;
  padding: 0.1rem 0.3rem;
  border-radius: 6px;
}
.applyform-filelist-remove:hover { color: var(--danger); background: #f7e8e5; }

/* Legal block */
.applyform-legal {
  font-size: 0.84rem;
  color: var(--slate);
  background: var(--bone);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-sm);
  padding: 1rem 1.2rem;
  margin-bottom: 1.4rem;
  line-height: 1.65;
}

.applyform-error {
  color: var(--danger);
  font-size: 0.88rem;
  font-weight: 500;
  min-height: 1.3em;
  margin: 0.9rem 0 0;
}

/* Nav row */
.applyform-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 2rem;
  padding-top: 1.6rem;
  border-top: 1px solid var(--line-soft);
}
.applyform-nav-hint { font-size: 0.8rem; color: var(--slate-soft); }
.applyform-nav-hint kbd {
  font-family: var(--sans);
  font-size: 0.72rem;
  background: var(--bone);
  border: 1px solid var(--line);
  border-bottom-width: 2px;
  border-radius: 5px;
  padding: 0.1rem 0.4rem;
}
@media (max-width: 640px) { .applyform-nav-hint { display: none; } }

.applyform-btn {
  font: inherit;
  font-size: 0.94rem;
  font-weight: 600;
  border-radius: 999px;
  padding: 0.85rem 1.7rem;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all 0.16s ease;
}
.applyform-btn-back {
  background: none;
  border-color: var(--line);
  color: var(--slate);
}
.applyform-btn-back:hover { border-color: var(--slate); color: var(--ink); }
.applyform-btn-arrow {
  background: var(--pine);
  color: #f6f3e8;
}
.applyform-btn-arrow:hover { background: var(--copper); color: #fff; box-shadow: var(--shadow-lift); }

/* Submitting / success states */
.applyform-state { display: none; text-align: center; padding: 3.5rem 1rem; }
.applyform-state.is-active { display: block; animation: stepIn 0.3s ease; }
.applyform-state h3 { font-size: 1.7rem; }
.applyform-state p { color: var(--slate); max-width: 48ch; margin: 0 auto; }

.applyform-spinner {
  width: 46px; height: 46px;
  border-radius: 50%;
  border: 4px solid var(--line-soft);
  border-top-color: var(--copper);
  animation: spin 0.85s linear infinite;
  margin: 0 auto 1.4rem;
}
@keyframes spin { to { transform: rotate(360deg); } }

.applyform-check {
  width: 62px; height: 62px;
  border-radius: 50%;
  background: var(--pine);
  color: var(--copper-bright);
  font-size: 1.7rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.4rem;
  animation: checkPop 0.45s cubic-bezier(0.34, 1.56, 0.64, 1);
}
@keyframes checkPop {
  from { transform: scale(0.3); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

.applyform-banner {
  display: none;
  margin-top: 1.4rem;
  background: #fdf1e6;
  border: 1px solid #ecd3b4;
  border-radius: var(--radius-sm);
  padding: 1rem 1.2rem;
  font-size: 0.9rem;
  color: #7a4a18;
}
.applyform-banner.is-active { display: block; }

/* Trust cards under the form */
.apply-trust {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.1rem;
  margin-top: 2.2rem;
}
.apply-trust-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem 1.4rem 1.2rem;
}
.apply-trust-card .card-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 0.5rem;
}
.apply-trust-card h3 { font-size: 1.05rem; margin-bottom: 0.4rem; }
.apply-trust-card p { font-size: 0.85rem; color: var(--slate); margin: 0; }

/* ----- 404 ----- */
.error-page { text-align: center; padding: clamp(5rem, 12vw, 9rem) 0; }
.error-page h1 { font-size: clamp(4rem, 12vw, 8rem); color: var(--pine); }
.error-page p { color: var(--slate); }

/* ----- Compact process strip (home) ----- */

.steps-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.2rem;
  margin-top: 2.2rem;
}
.steps-strip-item {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.3rem;
}
.steps-strip-item > span {
  flex-shrink: 0;
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--pine);
  color: var(--copper-bright);
  font-family: var(--serif);
  font-style: italic;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.steps-strip-item strong { display: block; margin-bottom: 0.15rem; }
.steps-strip-item div { font-size: 0.88rem; color: var(--slate); }

/* ----- Guide articles ----- */

.guide-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.4rem;
  font-size: 0.82rem;
  color: var(--slate-soft);
  margin-top: 0.4rem;
}
.guide-callout {
  background: var(--copper-soft);
  border-left: 3px solid var(--copper);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1rem 1.3rem;
  margin: 1.6rem 0;
  font-size: 0.95rem;
  color: var(--ink);
}
.guide-related {
  border-top: 1px solid var(--line);
  margin-top: 3rem;
  padding-top: 1.6rem;
}
.guide-related h3 { font-size: 1.05rem; }
.guide-related ul { padding-left: 1.1rem; color: var(--slate); }

/* ----- Case studies ----- */

.case {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: clamp(1.5rem, 4vw, 3rem);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 2rem;
}
.case img { width: 100%; height: 100%; object-fit: cover; min-height: 260px; }
.case-body { padding: clamp(1.4rem, 3vw, 2.2rem) clamp(1.4rem, 3vw, 2.2rem) clamp(1.4rem, 3vw, 2.2rem) 0; }
.case-facts {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 1rem 0 0;
}
.case-facts span {
  font-size: 0.76rem;
  font-weight: 600;
  background: var(--pine-tint);
  color: var(--pine);
  border-radius: 999px;
  padding: 0.3rem 0.8rem;
}
@media (max-width: 760px) {
  .case { grid-template-columns: 1fr; }
  .case-body { padding: 1.4rem; }
}

/* ----- FAQ group headers ----- */

.faq-group { margin-top: 2.6rem; }
.faq-group:first-of-type { margin-top: 0; }
.faq-group h2 { font-size: 1.4rem; margin-bottom: 0.4rem; }