/* =========================================================
   BORROWER KNOWLEDGE CENTER — Stylesheet
   Design concept: a reference desk for borrowing decisions.
   Every number that matters is set in mono and bracketed,
   like a fact-checker's annotation — the "real number,"
   not the marketing number.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,500;0,9..144,600;0,9..144,700;0,9..144,900;1,9..144,500&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600;700&display=swap');

/* --- TOKENS --- */
:root{
  --ink:      #182229;
  --ink2:     #263139;
  --paper:    #F6F5EF;
  --paper2:   #ECE9DE;
  --card:     #FFFFFF;
  --body:     #3E4A52;
  --muted:    #6C7880;
  --muted2:   #99A2A8;
  --line:     #DCD8CB;
  --line2:    #313C43;

  --blue:     #2A46BE;
  --blue2:    #1D3494;
  --blue-tint:#E9ECFA;

  --amber:    #B9791C;
  --amber2:   #935F13;
  --amber-tint:#F7ECD8;

  --rust:     #A23B2C;
  --rust-tint:#F6E2DD;

  --forest:   #2B6E4F;
  --forest-tint:#DFEEE5;

  --white:    #FFFFFF;

  /* legacy aliases used in a few inline SVG stroke attributes */
  --green:    var(--forest);
  --gold:     var(--amber);
  --navy:     var(--ink);

  --shadow-sm: 0 1px 2px rgba(24,34,41,.06), 0 2px 10px rgba(24,34,41,.05);
  --shadow-md: 0 10px 26px rgba(24,34,41,.10);
  --shadow-lg: 0 26px 60px rgba(24,34,41,.16);
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
}

/* --- RESET --- */
*,*::before,*::after{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; }
body{
  font-family:'Inter',Arial,sans-serif;
  color:var(--body);
  background:var(--paper);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:var(--blue); text-decoration:none; }
a:hover{ color:var(--blue2); }

/* --- TYPOGRAPHY --- */
h1,h2,h3,h4{
  font-family:'Fraunces',Georgia,serif;
  font-weight:700;
  color:var(--ink);
  line-height:1.1;
  letter-spacing:-.01em;
}
h1{ font-size:clamp(34px,5vw,58px); font-weight:600; }
h2{ font-size:clamp(26px,3.6vw,40px); margin-bottom:16px; font-weight:600; }
h3{ font-size:clamp(19px,2.4vw,23px); margin-bottom:10px; font-weight:600; }
h4{ font-size:17px; margin-bottom:8px; font-weight:600; }
p{ color:var(--body); line-height:1.7; }
.lead{ font-family:'Inter',sans-serif; font-size:clamp(16px,1.7vw,18.5px); color:rgba(246,245,239,.86); max-width:560px; line-height:1.65; }
.eyebrow{
  font-family:'IBM Plex Mono',monospace;
  text-transform:uppercase;
  letter-spacing:.12em;
  font-size:11px;
  font-weight:600;
  color:var(--amber);
  margin-bottom:14px;
  display:inline-block;
}
.eyebrow::before{ content:'§ '; opacity:.7; }
.hero .eyebrow{ color:#E8B25C; }

/* Bracketed figures — the signature: every hard number gets annotated */
.fig, .stat-number, .lsr-val, .calc-result-value{
  font-family:'IBM Plex Mono',monospace;
  font-weight:600;
}
.stat-number::before, .lsr-val::before, .calc-result-value::before{ content:'['; opacity:.45; font-weight:500; margin-right:1px; }
.stat-number::after, .lsr-val::after, .calc-result-value::after{ content:']'; opacity:.45; font-weight:500; margin-left:1px; }

/* --- LAYOUT --- */
.container{ width:min(1140px,92%); margin:0 auto; }
.narrow{ max-width:780px; }
.section{ padding:84px 0; }
.section-sm{ padding:44px 0; }

/* --- BUTTONS --- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:13px 26px;
  border-radius:var(--radius-sm);
  font-family:'Inter',sans-serif;
  font-weight:700;
  font-size:14.5px;
  border:1.5px solid transparent;
  cursor:pointer;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
  white-space:nowrap;
  text-decoration:none;
}
.btn:hover{ transform:translateY(-1px); }
.btn-primary{
  background:var(--amber);
  color:var(--white) !important;
  box-shadow:0 8px 22px rgba(185,121,28,.30);
}
.btn-primary:hover{ background:var(--amber2); box-shadow:0 12px 28px rgba(185,121,28,.36); }
.btn-ghost{
  background:transparent;
  color:var(--white) !important;
  border-color:rgba(255,255,255,.42);
}
.btn-ghost:hover{ background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.8); }
.btn-white{
  background:var(--white);
  color:var(--ink) !important;
  box-shadow:0 8px 20px rgba(0,0,0,.18);
}
.btn-white:hover{ box-shadow:0 12px 26px rgba(0,0,0,.24); }
.btn-outline{
  background:transparent;
  color:var(--blue) !important;
  border-color:var(--blue);
}
.btn-outline:hover{ background:var(--blue); color:var(--white) !important; }
.btn-sm{ padding:9px 18px; font-size:13px; }
.btn-full{ width:100%; }

/* =========================================
   HEADER / NAV
   ========================================= */
.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(246,245,239,.94);
  border-bottom:1px solid var(--line);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}
.nav-wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:15px 0;
  gap:24px;
}
.logo{
  display:flex;
  align-items:center;
  gap:10px;
  color:var(--ink);
  font-family:'Fraunces',serif;
  font-size:18px;
  font-weight:700;
  letter-spacing:-.01em;
  white-space:nowrap;
  text-decoration:none;
  line-height:1.15;
}
.logo-mark{ width:38px; height:38px; flex-shrink:0; }
.logo-text{ display:flex; flex-direction:column; }
.logo-text .lt-top{ font-size:9.5px; font-family:'IBM Plex Mono',monospace; letter-spacing:.16em; text-transform:uppercase; color:var(--muted); font-weight:600; }
.logo-text .lt-main{ font-size:18px; }
.logo-text .lt-main em{ font-style:normal; color:var(--blue); }
.nav-links{ display:flex; align-items:center; gap:4px; list-style:none; }
.nav-links a{
  color:var(--ink);
  font-weight:600;
  font-size:14px;
  padding:7px 12px;
  border-radius:var(--radius-sm);
  transition:background .15s,color .15s;
  text-decoration:none;
}
.nav-links a:hover{ background:var(--paper2); color:var(--blue); }
.nav-links a.active{ color:var(--blue); }

.hamburger{ display:none; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:8px; border-radius:var(--radius-sm); }
.hamburger span{ display:block; width:22px; height:2px; background:var(--ink); border-radius:2px; transition:transform .25s,opacity .25s; }
.hamburger.open span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2){ opacity:0; }
.hamburger.open span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }
.mobile-nav{ display:none; flex-direction:column; padding:14px 0 18px; gap:2px; border-top:1px solid var(--line); }
.mobile-nav a{ color:var(--ink); font-weight:600; font-size:15px; padding:11px 4px; border-bottom:1px solid var(--line); text-decoration:none; }
.mobile-nav a:last-child{ border-bottom:none; }
.mobile-nav .btn-primary{ margin-top:10px; text-align:center; justify-content:center; }
.mobile-nav.open{ display:flex; }

/* =========================================
   HERO — ink panel with ledger-line texture
   ========================================= */
.hero{
  position:relative;
  background:
    repeating-linear-gradient(180deg, rgba(255,255,255,.035) 0px, rgba(255,255,255,.035) 1px, transparent 1px, transparent 34px),
    radial-gradient(ellipse 900px 500px at 82% 8%, rgba(42,70,190,.30), transparent 60%),
    linear-gradient(160deg, #10181D 0%, var(--ink) 46%, #1D2A32 100%);
  padding:88px 0 84px;
  color:var(--white);
  overflow:hidden;
}
.hero::before{
  content:'[ ]';
  position:absolute;
  right:-40px; top:-60px;
  font-family:'Fraunces',serif;
  font-weight:600;
  font-size:340px;
  color:rgba(255,255,255,.035);
  letter-spacing:-40px;
  pointer-events:none;
}
.hero-grid{ position:relative; display:grid; grid-template-columns:1.15fr 0.85fr; gap:56px; align-items:center; }
.hero h1{ color:var(--white); margin-bottom:20px; }
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top:32px; }
.trust-row{ display:flex; gap:22px; flex-wrap:wrap; margin-top:34px; padding-top:28px; border-top:1px dashed rgba(255,255,255,.2); }
.trust-item{ display:flex; align-items:center; gap:8px; font-size:12.5px; color:rgba(255,255,255,.72); font-weight:500; font-family:'IBM Plex Mono',monospace; }
.trust-item svg{ width:16px; height:16px; flex-shrink:0; stroke:#E8B25C; }

/* Hero card — the calculator, styled as an index card with a filed tab */
.hero-card{
  position:relative;
  background:var(--card);
  border-radius:2px;
  padding:30px 28px 26px;
  box-shadow:var(--shadow-lg);
  color:var(--ink);
  margin-top:22px;
}
.hero-card::before{
  content:'ESTIMATE';
  position:absolute;
  top:-22px; left:24px;
  background:#E8B25C;
  color:var(--ink);
  font-family:'IBM Plex Mono',monospace;
  font-size:10px;
  font-weight:700;
  letter-spacing:.14em;
  padding:6px 12px;
  border-radius:2px 2px 0 0;
}
.hero-card h3{ font-size:18px; margin-bottom:18px; color:var(--ink); font-weight:600; }
.calc-row{ display:flex; flex-direction:column; gap:13px; }
.calc-field label{ display:block; font-size:11px; font-weight:700; color:var(--muted); font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.06em; margin-bottom:6px; }
.calc-field input,.calc-field select{
  width:100%; padding:11px 13px;
  border:1.5px solid var(--line);
  border-radius:var(--radius-sm);
  font:600 15px 'IBM Plex Mono',monospace;
  color:var(--ink); background:var(--white);
  transition:border-color .15s;
}
.calc-field input:focus,.calc-field select:focus{ outline:none; border-color:var(--blue); }
.calc-result{ background:var(--paper); border:1px dashed var(--line); border-radius:var(--radius-sm); padding:15px; margin-top:4px; }
.calc-result-row{ display:flex; justify-content:space-between; align-items:center; padding:6px 0; }
.calc-result-row:not(:last-child){ border-bottom:1px solid var(--paper2); }
.calc-result-label{ font-size:12.5px; color:var(--muted); font-weight:500; font-family:'Inter',sans-serif; }
.calc-result-value{ font-size:14px; color:var(--ink); }
.calc-result-value.highlight{ color:var(--rust); font-size:17px; }
.calc-disclaimer{ font-size:11px; color:var(--muted2); margin-top:10px; line-height:1.5; font-family:'Inter',sans-serif; }

/* =========================================
   SECTIONS
   ========================================= */
.section-cream{ background:var(--paper2); }
.section-navy{ background:var(--ink); color:var(--white); }
.section-navy h2{ color:var(--white); }

.two-col{ display:grid; grid-template-columns:1fr 1fr; gap:52px; align-items:center; }
.two-col-text h2{ margin-bottom:16px; }
.two-col-text p{ color:var(--muted); margin-bottom:16px; }

/* Cards — index-card treatment with a folded corner */
.cards-grid{ display:grid; gap:20px; margin-top:38px; }
.cards-grid.cols-3{ grid-template-columns:repeat(3,1fr); }
.cards-grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.cards-grid.cols-4{ grid-template-columns:repeat(4,1fr); }
.cards-grid.cols-1{ grid-template-columns:1fr; }

.card{
  position:relative;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:2px;
  padding:28px 26px;
  box-shadow:var(--shadow-sm);
  transition:box-shadow .2s, transform .2s;
}
.card::after{
  content:'';
  position:absolute; top:0; right:0;
  width:0; height:0;
  border-style:solid;
  border-width:0 16px 16px 0;
  border-color:transparent var(--paper2) transparent transparent;
}
.card:hover{ box-shadow:var(--shadow-md); transform:translateY(-2px); }
.card-icon{
  width:42px; height:42px;
  border-radius:var(--radius-sm);
  background:var(--paper2);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:16px; flex-shrink:0;
}
.card-icon svg{ width:20px; height:20px; }
.card h3{ margin-bottom:8px; font-size:19px; }
.card p{ color:var(--muted); font-size:14.5px; line-height:1.65; margin:0; }

.card.green-top{ border-left:3px solid var(--forest); }
.card.gold-top{ border-left:3px solid var(--amber); }
.card.blue-top{ border-left:3px solid var(--blue); }

/* Stats strip — ledger row */
.stats-strip{ display:grid; grid-template-columns:repeat(4,1fr); border:1px solid var(--line); border-radius:2px; overflow:hidden; background:var(--line); gap:1px; }
.stat-item{ background:var(--card); padding:26px 20px; text-align:center; }
.stat-number{ font-size:34px; color:var(--ink); line-height:1; margin-bottom:8px; display:inline-block; }
.stat-label{ font-size:12.5px; color:var(--muted); font-weight:500; font-family:'Inter',sans-serif; }

/* Notice / warning boxes */
.notice{
  background:var(--forest-tint);
  border-left:3px solid var(--forest);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:17px 20px; margin:22px 0;
}
.notice p{ color:var(--ink); font-size:14px; margin:0; }
.notice strong{ color:var(--forest); }

.warning-box{
  background:var(--amber-tint);
  border-left:3px solid var(--amber);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:17px 20px; margin:22px 0;
}
.warning-box p{ color:var(--ink); font-size:14px; margin:0; }
.warning-box strong{ color:var(--amber2); }

/* Steps */
.steps-list{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:34px; }
.step-item{ position:relative; padding-left:0; }
.step-num{
  width:34px; height:34px; border-radius:2px;
  background:var(--ink); color:var(--white);
  font-weight:700; font-size:14px; font-family:'IBM Plex Mono',monospace;
  display:flex; align-items:center; justify-content:center;
  margin-bottom:15px;
}
.step-item h3{ font-size:18px; margin-bottom:8px; }
.step-item p{ color:var(--muted); font-size:14.5px; }

/* CTA band */
.cta-band{ background:linear-gradient(120deg, var(--ink) 0%, #223038 60%, #263c4b 100%); padding:58px 0; color:white; }
.cta-inner{ display:flex; align-items:center; justify-content:space-between; gap:40px; }
.cta-inner h2{ color:white; margin-bottom:8px; }
.cta-inner p{ color:rgba(255,255,255,.68); margin:0; font-size:15.5px; }
.cta-actions{ display:flex; gap:14px; flex-wrap:wrap; flex-shrink:0; }

/* =========================================
   CHECKLIST / DO-DONT
   ========================================= */
.do-dont-grid{ display:grid; grid-template-columns:1fr 1fr; gap:22px; margin-top:34px; }
.do-card,.dont-card{ background:var(--card); border:1px solid var(--line); border-radius:2px; padding:28px; box-shadow:var(--shadow-sm); }
.do-card{ border-top:3px solid var(--forest); }
.dont-card{ border-top:3px solid var(--rust); }
.do-card h3{ color:var(--forest); margin-bottom:16px; }
.dont-card h3{ color:var(--rust); margin-bottom:16px; }
.check-list{ list-style:none; display:flex; flex-direction:column; gap:12px; }
.check-list li{ display:flex; gap:12px; align-items:flex-start; font-size:14.5px; color:var(--ink); line-height:1.55; }
.check-list li::before{
  content:''; width:18px; height:18px; border-radius:3px; flex-shrink:0; margin-top:2px;
  background-size:11px 11px; background-repeat:no-repeat; background-position:center;
  background-color:var(--paper2);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23182229' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
}
.do-card .check-list li::before,
.do-card.check-list li::before{
  background-color:var(--forest-tint);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232B6E4F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
}
.dont-card .check-list li::before,
.dont-card.check-list li::before{
  background-color:var(--rust-tint);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A23B2C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'/%3E%3Cline x1='6' y1='6' x2='18' y2='18'/%3E%3C/svg%3E");
}

/* =========================================
   FAQ — ledger index
   ========================================= */
.faq-list{ display:flex; flex-direction:column; gap:10px; margin-top:34px; counter-reset:faqnum; }
.faq-item{ background:var(--card); border:1px solid var(--line); border-radius:2px; overflow:hidden; transition:box-shadow .2s; counter-increment:faqnum; }
.faq-item.open{ box-shadow:var(--shadow-md); }
.faq-question{
  display:flex; align-items:center; gap:14px; padding:20px 24px; cursor:pointer;
  font-family:'Fraunces',serif; font-weight:600; font-size:17px; color:var(--ink);
  list-style:none; user-select:none;
}
.faq-question::before{
  content:'Q' counter(faqnum,decimal-leading-zero) ' \2014';
  font-family:'IBM Plex Mono',monospace; font-size:12px; font-weight:700;
  color:var(--blue); flex-shrink:0; letter-spacing:.02em; margin-right:2px;
}
.faq-icon{
  width:24px; height:24px; border-radius:2px; background:var(--paper2);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
  margin-left:auto; transition:background .2s;
}
.faq-icon svg{ width:12px; height:12px; stroke:var(--blue); stroke-width:2.5; transition:transform .3s; }
.faq-item.open .faq-icon{ background:var(--blue); }
.faq-item.open .faq-icon svg{ stroke:white; transform:rotate(180deg); }
.faq-answer{ padding:0 24px 20px 58px; color:var(--muted); font-size:14.5px; line-height:1.7; display:none; }
.faq-item.open .faq-answer{ display:block; }

/* =========================================
   CONTACT / FORM
   ========================================= */
.contact-layout{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:48px; align-items:start; }
.contact-info h1{ margin-bottom:16px; }
.contact-info p{ color:var(--muted); margin-bottom:22px; font-size:15.5px; }
.contact-details{ background:var(--paper2); border-radius:2px; padding:26px; margin-bottom:22px; border-left:3px solid var(--blue); }
.contact-details h4{ margin-bottom:12px; }
.contact-details p{ color:var(--muted); margin:0; font-size:14px; line-height:1.7; }

.form-card{ background:var(--card); border:1px solid var(--line); border-radius:2px; padding:36px; box-shadow:var(--shadow-lg); }
.form-title{ font-size:21px; margin-bottom:6px; }
.form-subtitle{ color:var(--muted); font-size:13.5px; margin-bottom:26px; }
.form-grid{ display:flex; flex-direction:column; gap:17px; }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.form-field{ display:flex; flex-direction:column; gap:7px; }
.form-field label{ font-size:11.5px; font-weight:700; color:var(--ink); font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.05em; }
.form-field input,.form-field select,.form-field textarea{
  padding:12px 15px; border:1.5px solid var(--line); border-radius:var(--radius-sm);
  font:500 14.5px 'Inter',sans-serif; color:var(--ink); background:var(--white);
  transition:border-color .15s, box-shadow .15s; width:100%;
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{
  outline:none; border-color:var(--blue); box-shadow:0 0 0 3px var(--blue-tint);
}
.form-field textarea{ resize:vertical; min-height:88px; }
.consent-block{ background:var(--paper); border:1px dashed var(--line); border-radius:var(--radius-sm); padding:15px 17px; display:flex; gap:12px; align-items:flex-start; }
.consent-block input[type="checkbox"]{ margin-top:3px; flex-shrink:0; accent-color:var(--blue); width:16px; height:16px; }
.consent-block .consent-text{ font-size:12px; color:var(--muted); line-height:1.55; }
.consent-block .consent-text a{ color:var(--blue); font-weight:600; text-decoration:underline; }
.form-note{ font-size:11.5px; color:var(--muted2); text-align:center; line-height:1.5; }

.form-success{ display:none; text-align:center; padding:38px 20px; }
.form-success .success-icon{ width:60px; height:60px; background:var(--forest-tint); border-radius:2px; display:flex; align-items:center; justify-content:center; margin:0 auto 18px; }
.form-success .success-icon svg{ width:30px; height:30px; stroke:var(--forest); stroke-width:2.5; }
.form-success h3{ margin-bottom:10px; }
.form-success p{ color:var(--muted); }

/* =========================================
   PAGE HERO (inner pages)
   ========================================= */
.page-hero{
  position:relative;
  background:
    repeating-linear-gradient(180deg, rgba(255,255,255,.035) 0px, rgba(255,255,255,.035) 1px, transparent 1px, transparent 34px),
    linear-gradient(135deg, var(--ink) 0%, #223038 70%, #263c4b 100%);
  padding:60px 0 52px; color:white; overflow:hidden;
}
.page-hero .eyebrow{ color:#E8B25C; }
.page-hero h1{ color:white; font-size:clamp(30px,4vw,46px); }
.page-hero p{ color:rgba(255,255,255,.74); font-size:16px; max-width:600px; margin-top:12px; }

/* =========================================
   RESOURCE CARDS
   ========================================= */
.resource-card{
  background:var(--card); border:1px solid var(--line); border-left:3px solid var(--blue); border-radius:2px;
  padding:26px 28px; box-shadow:var(--shadow-sm); display:flex; gap:18px; align-items:flex-start;
  transition:box-shadow .2s, transform .2s;
}
.resource-card:hover{ box-shadow:var(--shadow-md); transform:translateY(-2px); }
.resource-icon{ width:44px; height:44px; border-radius:var(--radius-sm); background:var(--paper2); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.resource-icon svg{ width:22px; height:22px; stroke:var(--blue); }
.resource-body h4{ margin-bottom:6px; }
.resource-body p{ color:var(--muted); font-size:14px; margin-bottom:10px; }
.resource-body a{ font-size:13.5px; font-weight:700; color:var(--blue); display:inline-flex; align-items:center; gap:5px; font-family:'IBM Plex Mono',monospace; }
.resource-body a:hover{ color:var(--amber); }

/* =========================================
   LEGAL PAGES
   ========================================= */
.legal-content h2{ font-size:24px; margin:34px 0 12px; padding-top:34px; border-top:1px dashed var(--line); }
.legal-content h2:first-of-type{ border-top:none; padding-top:0; margin-top:22px; }
.legal-content p{ color:var(--muted); margin-bottom:16px; }
.legal-content ul{ padding-left:20px; color:var(--muted); }
.legal-content ul li{ margin-bottom:8px; }
.legal-meta{ font-size:12.5px; color:var(--muted2); margin-bottom:30px; font-family:'IBM Plex Mono',monospace; }

/* =========================================
   MOBILE NOTIFICATIONS PAGE
   ========================================= */
.sms-benefits{ display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin:26px 0; }
.sms-benefit{ background:var(--paper2); border-radius:2px; padding:20px; text-align:center; }
.sms-benefit svg{ width:26px; height:26px; stroke:var(--forest); margin:0 auto 10px; }
.sms-benefit p{ font-size:13px; color:var(--muted); margin:0; }
.sms-benefit strong{ display:block; font-size:14.5px; color:var(--ink); margin-bottom:4px; }

/* =========================================
   FOOTER
   ========================================= */
footer{ background:#101820; color:#8A96A0; padding:52px 0 26px; }
.footer-grid{ display:grid; grid-template-columns:1.5fr 1fr 1fr 1fr; gap:34px; margin-bottom:40px; }
.footer-brand .logo{ color:white; margin-bottom:14px; }
.footer-brand .logo .lt-main em{ color:#7C93E8; }
.footer-brand .logo .lt-top{ color:#6B7780; }
.footer-brand p{ font-size:13px; color:#7C8890; line-height:1.7; max-width:280px; }
.footer-col h5{ color:white; font-family:'IBM Plex Mono',monospace; font-weight:600; font-size:11.5px; text-transform:uppercase; letter-spacing:.1em; margin-bottom:14px; }
.footer-col ul{ list-style:none; display:flex; flex-direction:column; gap:8px; }
.footer-col ul li a{ color:#7C8890; font-size:13.5px; transition:color .15s; }
.footer-col ul li a:hover{ color:white; }
.footer-col p{ color:#7C8890; font-size:13px; line-height:1.7; }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.08); padding-top:20px; display:flex; align-items:center; justify-content:space-between; gap:16px; flex-wrap:wrap; }
.footer-bottom p{ font-size:12px; color:#5B6870; margin:0; font-family:'IBM Plex Mono',monospace; }
.footer-bottom a{ color:#7C8890; font-size:12.5px; }
.footer-bottom-links{ display:flex; gap:20px; }

/* =========================================
   ABOUT PAGE
   ========================================= */
.mission-band{ background:var(--paper2); border-radius:2px; padding:44px 48px; margin:44px 0; display:grid; grid-template-columns:1fr 1fr; gap:38px; align-items:center; border-left:3px solid var(--blue); }
.values-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin-top:30px; }
.value-item{ padding:22px; border-radius:2px; background:var(--card); border:1px solid var(--line); }
.value-item .v-icon{ font-size:24px; margin-bottom:10px; }
.value-item h4{ margin-bottom:6px; }
.value-item p{ font-size:13.5px; color:var(--muted); margin:0; }

/* =========================================
   UTILITIES
   ========================================= */
.text-center{ text-align:center; }
.text-muted{ color:var(--muted); }
.mt-8{ margin-top:8px; } .mt-16{ margin-top:16px; } .mt-24{ margin-top:24px; } .mt-32{ margin-top:32px; } .mt-48{ margin-top:48px; }
.mb-16{ margin-bottom:16px; } .mb-24{ margin-bottom:24px; } .mb-32{ margin-bottom:32px; }

/* =========================================
   LOAN TYPE TABS — filed like folder tabs
   ========================================= */
.loan-tabs{ display:flex; gap:6px; margin-bottom:0; flex-wrap:wrap; position:relative; z-index:1; }
.loan-tab{
  padding:12px 22px 11px; border-radius:3px 3px 0 0;
  font-family:'Inter',sans-serif; font-weight:700; font-size:13.5px; cursor:pointer;
  border:1.5px solid var(--line); border-bottom:none;
  background:var(--paper2); color:var(--muted); transition:all .18s;
}
.loan-tab.active{ background:var(--card); color:var(--ink); border-color:var(--line); position:relative; top:1px; }
.loan-tab:hover:not(.active){ color:var(--ink); }
.loan-panel{ display:none; border:1.5px solid var(--line); border-radius:0 6px 6px 6px; background:var(--card); padding:36px; }
.loan-panel.active{ display:block; }
.loan-detail-grid{ display:grid; grid-template-columns:1.1fr 0.9fr; gap:38px; align-items:start; }
.loan-detail-grid .detail-text h2{ margin-bottom:14px; }
.loan-detail-grid .detail-text p{ color:var(--muted); margin-bottom:16px; }
.loan-stats-card{ background:var(--ink); color:white; border-radius:2px; padding:26px; }
.loan-stats-card h4{ color:white; margin-bottom:16px; font-size:15px; font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.05em; }
.loan-stat-row{ display:flex; justify-content:space-between; align-items:center; padding:10px 0; border-bottom:1px dashed rgba(255,255,255,.14); font-size:13.5px; }
.loan-stat-row:last-child{ border-bottom:none; }
.loan-stat-row .lsr-label{ color:rgba(255,255,255,.6); font-family:'Inter',sans-serif; }
.loan-stat-row .lsr-val{ color:white; }
.loan-risk-bar{ margin-top:16px; }
.loan-risk-label{ font-size:11px; color:rgba(255,255,255,.55); margin-bottom:6px; font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.05em; }
.loan-risk-track{ background:rgba(255,255,255,.14); border-radius:2px; height:6px; }
.loan-risk-fill{ border-radius:2px; height:6px; }
.risk-high{ background:#D3695A; width:88%; }
.risk-medium{ background:#E8B25C; width:55%; }
.risk-low{ background:#5FAE85; width:28%; }
.loan-bullets{ margin-top:22px; display:flex; flex-direction:column; gap:10px; }
.loan-bullet{ display:flex; gap:10px; align-items:flex-start; font-size:14.5px; color:var(--ink); }
.loan-bullet::before{
  content:''; width:20px; height:20px; flex-shrink:0; margin-top:1px; border-radius:3px;
  background:var(--paper2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23182229' stroke-width='2.5' stroke-linecap='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/11px no-repeat;
}
@media (max-width:768px){ .loan-detail-grid{ grid-template-columns:1fr; } }

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width:960px){
  .hero-grid{ grid-template-columns:1fr; }
  .hero-card{ max-width:520px; }
  .two-col{ grid-template-columns:1fr; gap:36px; }
  .cards-grid.cols-3{ grid-template-columns:repeat(2,1fr); }
  .cards-grid.cols-4{ grid-template-columns:repeat(2,1fr); }
  .steps-list{ grid-template-columns:1fr; }
  .stats-strip{ grid-template-columns:repeat(2,1fr); }
  .contact-layout{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .do-dont-grid{ grid-template-columns:1fr; }
  .mission-band{ grid-template-columns:1fr; padding:30px; }
  .values-grid{ grid-template-columns:1fr 1fr; }
  .sms-benefits{ grid-template-columns:1fr; }
  .cta-inner{ flex-direction:column; align-items:flex-start; }
}
@media (max-width:680px){
  .nav-links{ display:none; }
  .hamburger{ display:flex; }
  .hero{ padding:56px 0 68px; }
  .section{ padding:56px 0; }
  .cards-grid.cols-3,.cards-grid.cols-2,.cards-grid.cols-4{ grid-template-columns:1fr; }
  .stats-strip{ grid-template-columns:1fr 1fr; }
  .form-row{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr; }
  .footer-bottom{ flex-direction:column; align-items:flex-start; }
  .values-grid{ grid-template-columns:1fr; }
  .form-card{ padding:24px 18px; }
  .trust-row{ gap:14px; }
  .faq-answer{ padding-left:24px; }
}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{ transition-duration:0.01ms !important; }
}