/* =====================================================================
   Journey Mortgages — design system
   Palette taken from the existing brand: forest green, cream, gold.
   Edit here once; every page in dist/ picks it up.
   ===================================================================== */

/* ------------------------------------------------------------ 1. Tokens */

:root {
  /* Brand greens */
  --forest-900: #0e140a;
  --forest-850: #141d0f;
  --forest-800: #1b2a15;
  --forest-700: #24371c;
  --forest-600: #304a27; /* brand green, sampled from the master logo artwork */
  --forest-500: #3e5f30;
  --forest-400: #587f45;
  --moss-300: #86a870;

  /* Warm neutrals */
  --cream-50: #fbfaf4;
  --cream-100: #f5f4ec; /* brand cream */
  --sand-200: #e9e7db;
  --sand-300: #d8d5c4;
  --stone-400: #9a998f;
  --stone-500: #74736d;
  --stone-600: #56554f;
  --ink: #14170f;

  /* Accent */
  --gold-600: #cf9c2c;
  --gold-500: #e8b84b; /* brand gold */
  --gold-400: #f3d183;
  --gold-100: #fbf1d8;

  /* Semantic */
  --bg: var(--cream-50);
  --surface: #ffffff;
  --text: var(--ink);
  --text-muted: var(--stone-600);
  --border: var(--sand-300);
  --accent: var(--forest-600);

  /* Type */
  --font-display: 'Fraunces', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto,
    Helvetica, Arial, sans-serif;

  /* Scale — fluid, clamps at sensible mobile/desktop bounds */
  --fs-display: clamp(2.65rem, 1.4rem + 5.4vw, 5.5rem);
  --fs-h1: clamp(2.1rem, 1.25rem + 3.6vw, 3.9rem);
  --fs-h2: clamp(1.75rem, 1.15rem + 2.5vw, 2.9rem);
  --fs-h3: clamp(1.25rem, 1.05rem + 0.9vw, 1.6rem);
  --fs-h4: clamp(1.08rem, 1rem + 0.4vw, 1.22rem);
  --fs-lead: clamp(1.06rem, 0.98rem + 0.5vw, 1.28rem);
  --fs-body: 1.0625rem;
  --fs-sm: 0.9375rem;
  --fs-xs: 0.8125rem;

  /* Space */
  --gutter: clamp(1.25rem, 4vw, 2.5rem);
  --section-y: clamp(4.5rem, 8vw, 8.5rem);
  --container: 1200px;
  --container-narrow: 760px;

  /* Shape */
  --r-sm: 10px;
  --r: 16px;
  --r-lg: 24px;
  --r-xl: 34px;
  --r-pill: 999px;

  /* Elevation — green-tinted so shadows sit in the palette */
  --shadow-sm: 0 1px 2px rgba(20, 34, 12, 0.06), 0 2px 8px rgba(20, 34, 12, 0.05);
  --shadow: 0 2px 6px rgba(20, 34, 12, 0.06), 0 12px 28px -8px rgba(20, 34, 12, 0.14);
  --shadow-lg: 0 4px 12px rgba(20, 34, 12, 0.07), 0 30px 60px -18px rgba(20, 34, 12, 0.24);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --nav-h: 76px;
}

/* --------------------------------------------------------- 2. Base reset */

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

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-h) + 20px);
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

body.is-locked {
  overflow: hidden;
}

img,
svg,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.022em;
  margin: 0 0 0.5em;
  color: var(--ink);
  font-variation-settings: 'SOFT' 0, 'WONK' 0, 'opsz' 40;
}

h1 {
  font-size: var(--fs-h1);
}
h2 {
  font-size: var(--fs-h2);
}
h3 {
  font-size: var(--fs-h3);
  line-height: 1.22;
}
h4 {
  font-size: var(--fs-h4);
  line-height: 1.3;
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: -0.01em;
}

p {
  margin: 0 0 1.15em;
}

a {
  color: var(--forest-600);
  text-decoration-color: color-mix(in srgb, var(--forest-600) 35%, transparent);
  text-underline-offset: 3px;
  transition: color 0.18s var(--ease), text-decoration-color 0.18s var(--ease);
}

a:hover {
  color: var(--forest-500);
  text-decoration-color: currentColor;
}

strong {
  font-weight: 700;
}

hr {
  border: 0;
  border-top: 1px solid var(--border);
  margin: 2.5rem 0;
}

ul,
ol {
  padding-left: 1.35em;
  margin: 0 0 1.15em;
}

li {
  margin-bottom: 0.4em;
}

::selection {
  background: var(--gold-400);
  color: var(--forest-900);
}

:focus-visible {
  outline: 3px solid var(--gold-500);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  background: var(--forest-600);
  color: #fff;
  padding: 0.85rem 1.35rem;
  border-radius: 0 0 var(--r-sm) 0;
  font-weight: 600;
}

.skip-link:focus {
  left: 0;
  color: #fff;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ------------------------------------------------------------ 3. Layout */

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

.container--narrow {
  max-width: var(--container-narrow);
}

.container--wide {
  max-width: 1380px;
}

.section {
  padding-block: var(--section-y);
  position: relative;
}

.section--tight {
  padding-block: clamp(3rem, 5.5vw, 5rem);
}

.section--cream {
  background: var(--cream-100);
}

.section--sand {
  background: var(--sand-200);
}

.section--dark {
  background: var(--forest-800);
  color: var(--cream-100);
}

.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 {
  color: #fff;
}

.section--dark p {
  color: color-mix(in srgb, var(--cream-100) 82%, transparent);
}

.section--dark a:not(.btn) {
  color: var(--gold-400);
}

/* Subtle film grain over dark sections so large green fields don't band. */
.section--dark::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.045'/%3E%3C/svg%3E");
}

.section > .container {
  position: relative;
  z-index: 1;
}

.grid {
  display: grid;
  gap: clamp(1.25rem, 2.5vw, 2rem);
}

.grid--2 {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr));
}

.grid--3 {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 290px), 1fr));
}

.grid--4 {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr));
}

.stack > * + * {
  margin-top: 1.15rem;
}

/* ---------------------------------------------------- 4. Type utilities */

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--forest-500);
  margin-bottom: 1.1rem;
}

.eyebrow::before {
  content: '';
  width: 26px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
  flex: none;
}

.section--dark .eyebrow {
  color: var(--gold-400);
}

.lead {
  font-size: var(--fs-lead);
  line-height: 1.6;
  color: var(--text-muted);
}

.section--dark .lead {
  color: color-mix(in srgb, var(--cream-100) 80%, transparent);
}

.section-head {
  max-width: 62ch;
  margin-bottom: clamp(2.25rem, 4vw, 3.5rem);
}

.section-head--center {
  margin-inline: auto;
  text-align: center;
}

.section-head--center .eyebrow {
  justify-content: center;
}

.text-center {
  text-align: center;
}

/* A gold underline swash on a word inside a heading. */
.mark {
  position: relative;
  white-space: nowrap;
}

.mark::after {
  content: '';
  position: absolute;
  left: -0.04em;
  right: -0.04em;
  bottom: 0.06em;
  height: 0.32em;
  background: var(--gold-500);
  opacity: 0.42;
  border-radius: 3px;
  z-index: -1;
}

/* ----------------------------------------------------------- 5. Buttons */

.btn {
  --btn-bg: var(--forest-600);
  --btn-fg: #fff;
  --btn-bd: var(--forest-600);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.95rem 1.7rem;
  border: 1.5px solid var(--btn-bd);
  border-radius: var(--r-pill);
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-family: var(--font-body);
  font-size: 0.975rem;
  font-weight: 650;
  letter-spacing: -0.005em;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background 0.2s var(--ease),
    color 0.2s var(--ease), border-color 0.2s var(--ease);
  box-shadow: 0 1px 2px rgba(20, 34, 12, 0.14);
}

.btn:hover {
  color: var(--btn-fg);
  transform: translateY(-2px);
  box-shadow: 0 10px 22px -8px rgba(20, 34, 12, 0.42);
}

.btn:active {
  transform: translateY(0);
}

.btn .arw {
  transition: transform 0.25s var(--ease);
}

.btn:hover .arw {
  transform: translateX(4px);
}

.btn--gold {
  --btn-bg: var(--gold-500);
  --btn-fg: var(--forest-900);
  --btn-bd: var(--gold-500);
}

.btn--gold:hover {
  --btn-bg: var(--gold-400);
  --btn-bd: var(--gold-400);
}

.btn--ghost {
  --btn-bg: transparent;
  --btn-fg: var(--forest-600);
  --btn-bd: color-mix(in srgb, var(--forest-600) 32%, transparent);
  box-shadow: none;
}

.btn--ghost:hover {
  --btn-bg: var(--forest-600);
  --btn-fg: #fff;
  --btn-bd: var(--forest-600);
}

.btn--on-dark {
  --btn-bg: #fff;
  --btn-fg: var(--forest-800);
  --btn-bd: #fff;
}

.btn--ghost-light {
  --btn-bg: rgba(255, 255, 255, 0.06);
  --btn-fg: #fff;
  --btn-bd: rgba(255, 255, 255, 0.42);
  backdrop-filter: blur(6px);
  box-shadow: none;
}

.btn--ghost-light:hover {
  --btn-bg: rgba(255, 255, 255, 0.14);
  --btn-bd: #fff;
}

.btn--lg {
  padding: 1.1rem 2.1rem;
  font-size: 1.03rem;
}

.btn--sm {
  padding: 0.62rem 1.15rem;
  font-size: 0.875rem;
}

.btn--block {
  width: 100%;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  align-items: center;
}

.btn-row--center {
  justify-content: center;
}

/* Text link with a moving arrow. */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-weight: 650;
  font-size: 0.95rem;
  text-decoration: none;
  color: var(--forest-600);
}

.link-arrow::after {
  content: '→';
  transition: transform 0.25s var(--ease);
}

.link-arrow:hover::after {
  transform: translateX(5px);
}

.section--dark .link-arrow {
  color: var(--gold-400);
}

/* ---------------------------------------------------- 6. Header & nav */

.header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  transition: background 0.3s var(--ease), box-shadow 0.3s var(--ease),
    backdrop-filter 0.3s var(--ease);
}

.header::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: color-mix(in srgb, var(--forest-900) 88%, transparent);
  backdrop-filter: blur(14px) saturate(150%);
  opacity: 0;
  transition: opacity 0.3s var(--ease);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.header.is-stuck::after {
  opacity: 1;
}

.header__inner {
  width: 100%;
  max-width: var(--container-wide, 1380px);
  margin-inline: auto;
  padding-inline: var(--gutter);
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.brand {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex: none;
  margin-right: auto;
}

/* The master logo lockup, 672x202 in the source artwork. */
.brand__logo {
  width: auto;
  height: clamp(34px, 3.4vw, 44px);
  display: block;
}

.footer .brand__logo {
  height: 46px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 0.15rem;
}

.nav__link {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.55rem 0.8rem;
  /* <button> and <a> both use this class — reset the UA button styling. */
  background: transparent;
  border: 0;
  cursor: pointer;
  font-family: inherit;
  border-radius: var(--r-pill);
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.925rem;
  font-weight: 550;
  text-decoration: none;
  white-space: nowrap;
  transition: color 0.18s var(--ease), background 0.18s var(--ease);
}

.nav__link:hover,
.nav__link[aria-expanded='true'] {
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

.nav__link[aria-current='page'] {
  color: var(--gold-400);
}

.nav__link .chev {
  width: 10px;
  height: 10px;
  transition: transform 0.22s var(--ease);
}

.nav__link[aria-expanded='true'] .chev {
  transform: rotate(180deg);
}

/* Mega dropdown */
.nav__item {
  position: relative;
}

.mega {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  translate: -50% 0;
  width: min(92vw, 720px);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 1.1rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.35rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
}

.nav__item.is-open .mega {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

/* A shorter menu, anchored to the trigger's right edge. It sits toward the right
   of the nav, where centring a wide panel can push it off screen at narrower
   desktop widths. */
.mega--sm {
  width: min(92vw, 580px);
  left: auto;
  right: 0;
  translate: none;
}

.mega__link {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  padding: 0.7rem 0.8rem;
  border-radius: var(--r);
  text-decoration: none;
  color: var(--ink);
  transition: background 0.16s var(--ease);
}

.mega__link:hover {
  background: var(--cream-100);
  color: var(--ink);
}

.mega__ico {
  width: 34px;
  height: 34px;
  flex: none;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: var(--cream-100);
  color: var(--forest-600);
}

.mega__link:hover .mega__ico {
  background: var(--forest-600);
  color: #fff;
}

.mega__t {
  display: block;
  font-weight: 700;
  font-size: 0.92rem;
  line-height: 1.3;
}

.mega__d {
  display: block;
  font-size: 0.795rem;
  color: var(--text-muted);
  line-height: 1.45;
  margin-top: 2px;
}

.nav-cta {
  flex: none;
}

/* Burger */
.burger {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  cursor: pointer;
  padding: 0;
  place-items: center;
}

.burger span {
  display: block;
  width: 17px;
  height: 1.8px;
  background: #fff;
  border-radius: 2px;
  transition: transform 0.25s var(--ease), opacity 0.2s var(--ease);
}

.burger span + span {
  margin-top: 4.5px;
}

.burger[aria-expanded='true'] span:nth-child(1) {
  transform: translateY(6.3px) rotate(45deg);
}

.burger[aria-expanded='true'] span:nth-child(2) {
  opacity: 0;
}

.burger[aria-expanded='true'] span:nth-child(3) {
  transform: translateY(-6.3px) rotate(-45deg);
}

/* Mobile drawer */
.drawer {
  position: fixed;
  inset: 0;
  z-index: 99;
  background: var(--forest-900);
  padding: calc(var(--nav-h) + 1.5rem) var(--gutter) 2rem;
  overflow-y: auto;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-12px);
  transition: opacity 0.28s var(--ease), transform 0.28s var(--ease), visibility 0.28s;
}

.drawer.is-open {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.drawer__link {
  display: block;
  padding: 0.9rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  text-decoration: none;
}

.drawer__link:hover {
  color: var(--gold-400);
}

.drawer details > summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.4rem;
  cursor: pointer;
  list-style: none;
}

.drawer details > summary::-webkit-details-marker {
  display: none;
}

.drawer details > summary::after {
  content: '+';
  font-family: var(--font-body);
  font-size: 1.5rem;
  color: var(--gold-500);
}

.drawer details[open] > summary::after {
  content: '−';
}

.drawer details .drawer__sub {
  padding: 0.4rem 0 0.6rem 0.9rem;
}

.drawer details .drawer__sub a {
  display: block;
  padding: 0.5rem 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1rem;
  text-decoration: none;
}

.drawer details .drawer__sub a:hover {
  color: var(--gold-400);
}

.drawer__foot {
  margin-top: 2rem;
  display: grid;
  gap: 0.75rem;
}

.drawer__meta {
  margin-top: 1.75rem;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.875rem;
}

.drawer__meta a {
  color: var(--gold-400);
  display: block;
  margin-top: 0.35rem;
}

@media (max-width: 1080px) {
  .nav,
  .nav-cta {
    display: none;
  }
  .burger {
    display: grid;
  }
}

/* -------------------------------------------------------------- 7. Hero */

.hero {
  position: relative;
  min-height: min(100svh, 860px);
  display: flex;
  align-items: flex-end;
  padding-top: calc(var(--nav-h) + 3rem);
  padding-bottom: clamp(2.5rem, 5vw, 4.5rem);
  overflow: hidden;
  background: var(--forest-900);
  isolation: isolate;
}

.hero__media {
  position: absolute;
  inset: 0;
  z-index: -2;
}

.hero__media video,
.hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero__scrim {
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(
      180deg,
      rgba(14, 20, 10, 0.72) 0%,
      rgba(14, 20, 10, 0.38) 32%,
      rgba(14, 20, 10, 0.68) 68%,
      rgba(14, 20, 10, 0.93) 100%
    ),
    radial-gradient(120% 80% at 20% 90%, rgba(49, 74, 39, 0.62), transparent 70%);
}

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

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.45rem 0.95rem 0.45rem 0.5rem;
  border-radius: var(--r-pill);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(8px);
  font-size: 0.815rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #fff;
  margin-bottom: 1.6rem;
}

.hero__badge .pip {
  display: inline-grid;
  place-items: center;
  padding: 0.2rem 0.6rem;
  border-radius: var(--r-pill);
  background: var(--gold-500);
  color: var(--forest-900);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.hero h1 {
  color: #fff;
  font-size: var(--fs-display);
  max-width: 15ch;
  margin-bottom: 1.1rem;
  text-wrap: balance;
  text-shadow: 0 2px 30px rgba(0, 0, 0, 0.3);
}

.hero__lead {
  font-size: var(--fs-lead);
  color: rgba(255, 255, 255, 0.88);
  max-width: 56ch;
  margin-bottom: 2rem;
}

.hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-bottom: 2.75rem;
}

/* Trust strip pinned under the hero copy */
.hero__proof {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 1px;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--r);
  overflow: hidden;
  backdrop-filter: blur(10px);
}

.hero__proof div {
  background: rgba(14, 20, 10, 0.42);
  padding: 1rem 1.15rem;
}

.hero__proof dt {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 0.3rem;
}

.hero__proof dd {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  color: #fff;
  line-height: 1.15;
}

/* ---- Journey hero: the brand story, not a stock video ------------------- */

.hero--journey {
  background: radial-gradient(125% 105% at 12% 0%, #24371c 0%, #16210f 52%, #0e140a 100%);
  align-items: center;
  min-height: min(100svh, 820px);
}

/* A little grain so the large green field doesn't band. */
.hero--journey::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.045'/%3E%3C/svg%3E");
}

.hero--journey .hero__inner {
  position: relative;
  z-index: 1;
}

.hero__grid {
  display: grid;
  gap: clamp(2rem, 5vw, 3.5rem);
  align-items: center;
  margin-bottom: clamp(2rem, 4vw, 3rem);
}

@media (min-width: 940px) {
  .hero__grid {
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  }
}

.hero--journey h1 {
  font-size: var(--fs-h1);
  max-width: 15ch;
}

/* The emblem from the logo's "O", scaled up and lit. */
.hero__art {
  display: flex;
  justify-content: center;
}

.hero-emblem {
  width: min(100%, 420px);
  height: auto;
  overflow: visible;
}

/* The light rises through the mark: up the river, then across the mountains,
   holds while the whole emblem is lit, then washes back down and repeats. */
.hero-emblem__level {
  animation: emblemLight 9s cubic-bezier(0.4, 0, 0.35, 1) 0.6s infinite;
}

@keyframes emblemLight {
  0%,
  6% {
    transform: translateY(95px);
  }
  46%,
  76% {
    transform: translateY(-88px);
  }
  100% {
    transform: translateY(95px);
  }
}

@media (max-width: 939px) {
  /* Behind the copy on narrow screens, so it still reads as the backdrop. */
  .hero__art {
    position: absolute;
    inset: auto -18% -8% auto;
    width: 78%;
    opacity: 0.16;
    pointer-events: none;
  }

  .hero__grid {
    position: relative;
  }
}

/* Compact page hero for interior pages */
.pagehero {
  position: relative;
  background: var(--forest-800);
  color: #fff;
  padding-top: calc(var(--nav-h) + clamp(3rem, 7vw, 6rem));
  padding-bottom: clamp(3rem, 7vw, 6rem);
  overflow: hidden;
  isolation: isolate;
}

.pagehero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(90% 120% at 85% 0%, rgba(49, 74, 39, 0.85), transparent 60%),
    radial-gradient(70% 90% at 10% 100%, rgba(62, 95, 48, 0.55), transparent 65%);
}

.pagehero::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.045'/%3E%3C/svg%3E");
}

.pagehero h1 {
  color: #fff;
  max-width: 18ch;
  text-wrap: balance;
}

.pagehero__lead {
  font-size: var(--fs-lead);
  color: rgba(255, 255, 255, 0.85);
  max-width: 60ch;
  margin-bottom: 1.9rem;
}

.pagehero .eyebrow {
  color: var(--gold-400);
}

.pagehero--image .pagehero__bg {
  position: absolute;
  inset: 0;
  z-index: -2;
}

.pagehero--image .pagehero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.34;
}

/* Award badges */
.awards {
  list-style: none;
  padding: 0;
  margin: 0 0 1.9rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.award {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  margin: 0;
  padding: 0.6rem 1.05rem;
  border-radius: var(--r-pill);
  background: rgba(232, 184, 75, 0.14);
  border: 1px solid color-mix(in srgb, var(--gold-500) 55%, transparent);
  color: var(--gold-400);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: -0.005em;
  line-height: 1.2;
  white-space: nowrap;
}

.award svg {
  flex: none;
  color: var(--gold-500);
}

/* On a light background the same badge needs the darker gold for contrast. */
.section:not(.section--dark) .award,
.section--cream .award {
  background: var(--gold-100);
  border-color: color-mix(in srgb, var(--gold-600) 45%, transparent);
  color: var(--gold-600);
}

/* Breadcrumbs */
.crumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  align-items: center;
  font-size: 0.8rem;
  margin-bottom: 1.5rem;
  color: rgba(255, 255, 255, 0.62);
}

.crumbs a {
  color: rgba(255, 255, 255, 0.82);
  text-decoration: none;
}

.crumbs a:hover {
  color: var(--gold-400);
}

.crumbs li {
  margin: 0;
  display: flex;
  gap: 0.4rem;
  align-items: center;
}

.crumbs ol {
  display: contents;
  list-style: none;
}

.crumbs li + li::before {
  content: '/';
  opacity: 0.45;
}

/* ------------------------------------------------------------- 8. Cards */

.card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease),
    border-color 0.3s var(--ease);
}

a.card,
.card--link {
  text-decoration: none;
  color: inherit;
}

a.card:hover,
.card--link:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: color-mix(in srgb, var(--forest-600) 35%, var(--border));
  color: inherit;
}

.card__media {
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: var(--sand-200);
}

.card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s var(--ease);
}

a.card:hover .card__media img {
  transform: scale(1.06);
}

.card__body {
  padding: clamp(1.35rem, 2.4vw, 1.85rem);
  display: flex;
  flex-direction: column;
  flex: 1;
}

.card__body h3 {
  margin-bottom: 0.5rem;
}

.card__body p {
  color: var(--text-muted);
  font-size: var(--fs-sm);
  margin-bottom: 1.15rem;
}

.card__body .link-arrow {
  margin-top: auto;
}

.card__tag {
  align-self: flex-start;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--forest-500);
  background: var(--cream-100);
  border-radius: var(--r-pill);
  padding: 0.32rem 0.75rem;
  margin-bottom: 0.9rem;
}

/* Icon-led card, no image */
.card--icon .card__body {
  padding-top: 1.6rem;
}

.card__ico {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: var(--cream-100);
  color: var(--forest-600);
  margin-bottom: 1.1rem;
}

a.card:hover .card__ico {
  background: var(--forest-600);
  color: #fff;
}

.card--dark {
  background: var(--forest-700);
  border-color: rgba(255, 255, 255, 0.12);
  color: var(--cream-100);
}

.card--dark h3 {
  color: #fff;
}

.card--dark p {
  color: rgba(245, 244, 236, 0.78);
}

.card--dark .card__ico {
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold-400);
}

/* Numbered step cards */
.steps {
  counter-reset: step;
  display: grid;
  gap: clamp(1rem, 2.2vw, 1.6rem);
}

.steps--3 {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr));
}

.step {
  position: relative;
  counter-increment: step;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 2.6vw, 2rem);
  padding-top: clamp(2.6rem, 3.4vw, 3rem);
}

.step::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  top: clamp(1.2rem, 2vw, 1.5rem);
  left: clamp(1.5rem, 2.6vw, 2rem);
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--gold-600);
}

.step h3 {
  font-size: var(--fs-h4);
  font-family: var(--font-body);
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.step p {
  color: var(--text-muted);
  font-size: var(--fs-sm);
  margin-bottom: 0;
}

.section--dark .step {
  background: rgba(255, 255, 255, 0.045);
  border-color: rgba(255, 255, 255, 0.12);
}

.section--dark .step h3 {
  color: #fff;
}

/* Vertical timeline (guides, process pages) */
.timeline {
  position: relative;
  counter-reset: tl;
  display: grid;
  gap: clamp(1.5rem, 3vw, 2.5rem);
  padding-left: clamp(2.6rem, 4vw, 3.4rem);
}

.timeline::before {
  content: '';
  position: absolute;
  left: clamp(0.95rem, 1.5vw, 1.3rem);
  top: 0.5rem;
  bottom: 0.5rem;
  width: 2px;
  background: linear-gradient(180deg, var(--gold-500), var(--sand-300) 22%, var(--sand-300));
  border-radius: 2px;
}

.tl-item {
  position: relative;
  counter-increment: tl;
}

.tl-item::before {
  content: counter(tl);
  position: absolute;
  left: calc(-1 * clamp(2.6rem, 4vw, 3.4rem));
  top: 0;
  width: clamp(2rem, 3vw, 2.6rem);
  height: clamp(2rem, 3vw, 2.6rem);
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--forest-600);
  color: #fff;
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 700;
  box-shadow: 0 0 0 5px var(--bg);
}

.section--cream .tl-item::before {
  box-shadow: 0 0 0 5px var(--cream-100);
}

.tl-item h3 {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: var(--fs-h4);
  margin-bottom: 0.5rem;
  padding-top: 0.2rem;
}

.tl-item p:last-child {
  margin-bottom: 0;
}

/* ---------------------------------------------------------- 9. Feature */

.feature {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr));
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}

.feature--flip .feature__media {
  order: 2;
}

.feature__media {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4 / 3.2;
  background: var(--sand-200);
  box-shadow: var(--shadow-lg);
}

.feature__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Portrait photography needs a taller box — the landscape default crops a
   standing figure through the head. */
.feature__media--portrait {
  aspect-ratio: 4 / 4.9;
}

.feature__media--portrait img {
  object-position: center top;
}

/* Floating stat chip over the image */
.feature__chip {
  position: absolute;
  left: 1.15rem;
  bottom: 1.15rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border-radius: var(--r);
  padding: 0.85rem 1.15rem;
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.feature__chip strong {
  font-family: var(--font-display);
  font-size: 1.5rem;
  line-height: 1;
  color: var(--forest-600);
}

.feature__chip span {
  font-size: 0.76rem;
  font-weight: 600;
  line-height: 1.3;
  color: var(--text-muted);
  max-width: 12ch;
}

/* --------------------------------------------------------- 10. Stat row */

.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 175px), 1fr));
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
}

.stat {
  background: var(--surface);
  padding: clamp(1.4rem, 2.6vw, 2.1rem) clamp(1.1rem, 2vw, 1.6rem);
  text-align: center;
}

.stat__n {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 1.3rem + 2.2vw, 3rem);
  font-weight: 600;
  line-height: 1;
  color: var(--forest-600);
  letter-spacing: -0.03em;
  margin-bottom: 0.5rem;
}

.stat__l {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--text-muted);
  line-height: 1.4;
}

.section--dark .stats {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.14);
}

.section--dark .stat {
  background: var(--forest-800);
}

.section--dark .stat__n {
  color: var(--gold-500);
}

.section--dark .stat__l {
  color: rgba(245, 244, 236, 0.68);
}

/* -------------------------------------------------------- 11. Lender bar */

.marquee {
  overflow: hidden;
  position: relative;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}

.marquee__track {
  display: flex;
  align-items: center;
  gap: clamp(2.5rem, 6vw, 5rem);
  width: max-content;
  animation: marquee 42s linear infinite;
}

.marquee:hover .marquee__track {
  animation-play-state: paused;
}

.marquee img {
  height: clamp(26px, 3.4vw, 38px);
  width: auto;
  object-fit: contain;
  filter: grayscale(1);
  opacity: 0.62;
  transition: filter 0.3s var(--ease), opacity 0.3s var(--ease);
  flex: none;
}

.marquee img:hover {
  filter: grayscale(0);
  opacity: 1;
}

@keyframes marquee {
  to {
    transform: translateX(-50%);
  }
}

.lender-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  justify-content: center;
  margin-top: 2rem;
}

.chip {
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.4rem 0.85rem;
  border-radius: var(--r-pill);
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--text-muted);
}

.section--dark .chip {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.14);
  color: rgba(245, 244, 236, 0.8);
}

a.chip--link {
  text-decoration: none;
  transition: background 0.2s var(--ease), border-color 0.2s var(--ease),
    color 0.2s var(--ease), transform 0.2s var(--ease);
}

a.chip--link:hover {
  background: var(--forest-600);
  border-color: var(--forest-600);
  color: #fff;
  transform: translateY(-2px);
}

a.chip--link[aria-current='page'] {
  background: var(--forest-600);
  border-color: var(--forest-600);
  color: #fff;
}

/* ------------------------------------------------------ 12. Testimonials */

.reviews {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr));
  gap: clamp(1rem, 2vw, 1.5rem);
}

.review {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 2.6vw, 2rem);
  display: flex;
  flex-direction: column;
}

.review__stars {
  color: var(--gold-500);
  letter-spacing: 0.12em;
  font-size: 0.95rem;
  margin-bottom: 0.9rem;
}

.review__text {
  font-size: var(--fs-sm);
  line-height: 1.68;
  color: var(--stone-600);
  margin-bottom: 1.4rem;
  flex: 1;
}

.review__text.is-clamped {
  display: -webkit-box;
  -webkit-line-clamp: 7;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.review__more {
  background: none;
  border: 0;
  padding: 0;
  margin-bottom: 1.2rem;
  color: var(--forest-600);
  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 650;
  cursor: pointer;
  text-align: left;
  align-self: flex-start;
}

.review__more:hover {
  text-decoration: underline;
}

.review__who {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  border-top: 1px solid var(--border);
  padding-top: 1.1rem;
}

.review__av {
  width: 40px;
  height: 40px;
  flex: none;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--forest-600);
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
}

.review__name {
  font-weight: 700;
  font-size: 0.9rem;
  line-height: 1.3;
}

.review__when {
  font-size: 0.78rem;
  color: var(--stone-500);
}

.review__src {
  margin-left: auto;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--stone-400);
}

.rating-banner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.75rem 1.5rem;
  padding: 1.1rem 1.5rem;
  border-radius: var(--r-pill);
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  width: fit-content;
  margin-inline: auto;
  margin-bottom: 2.5rem;
}

.rating-banner .stars {
  color: var(--gold-500);
  font-size: 1.05rem;
  letter-spacing: 0.1em;
}

.rating-banner strong {
  font-family: var(--font-display);
  font-size: 1.25rem;
}

.rating-banner span {
  font-size: 0.875rem;
  color: var(--text-muted);
}

/* --------------------------------------------------------- 13. Accordion */

.accordion {
  border-top: 1px solid var(--border);
}

.ac {
  border-bottom: 1px solid var(--border);
}

.ac > summary {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.35rem 0;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-body);
  font-size: clamp(1rem, 0.96rem + 0.25vw, 1.12rem);
  font-weight: 650;
  line-height: 1.45;
  color: var(--ink);
  transition: color 0.18s var(--ease);
}

.ac > summary::-webkit-details-marker {
  display: none;
}

.ac > summary:hover {
  color: var(--forest-600);
}

.ac__sign {
  flex: none;
  width: 28px;
  height: 28px;
  margin-top: 1px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: grid;
  place-items: center;
  position: relative;
  transition: background 0.25s var(--ease), border-color 0.25s var(--ease),
    transform 0.25s var(--ease);
}

.ac__sign::before,
.ac__sign::after {
  content: '';
  position: absolute;
  background: var(--forest-600);
  border-radius: 2px;
  transition: opacity 0.25s var(--ease), background 0.25s var(--ease);
}

.ac__sign::before {
  width: 11px;
  height: 1.8px;
}

.ac__sign::after {
  width: 1.8px;
  height: 11px;
}

.ac[open] .ac__sign {
  background: var(--forest-600);
  border-color: var(--forest-600);
  transform: rotate(180deg);
}

.ac[open] .ac__sign::before {
  background: #fff;
}

.ac[open] .ac__sign::after {
  opacity: 0;
}

.ac__body {
  padding-bottom: 1.5rem;
  max-width: 70ch;
  color: var(--text-muted);
  font-size: var(--fs-sm);
  line-height: 1.7;
}

.ac__body > *:last-child {
  margin-bottom: 0;
}

.ac__body h4 {
  color: var(--ink);
  margin: 1.2rem 0 0.35rem;
  font-size: 0.98rem;
}

.section--dark .accordion,
.section--dark .ac {
  border-color: rgba(255, 255, 255, 0.14);
}

.section--dark .ac > summary {
  color: #fff;
}

.section--dark .ac__body {
  color: rgba(245, 244, 236, 0.76);
}

.section--dark .ac__sign {
  border-color: rgba(255, 255, 255, 0.28);
}

.section--dark .ac__sign::before,
.section--dark .ac__sign::after {
  background: var(--gold-500);
}

.section--dark .ac[open] .ac__sign {
  background: var(--gold-500);
  border-color: var(--gold-500);
}

.section--dark .ac[open] .ac__sign::before {
  background: var(--forest-900);
}

/* ------------------------------------------------------ 14. Prose blocks */

.prose {
  max-width: 68ch;
}

.prose h2 {
  margin-top: 2.6rem;
}

.prose h3 {
  margin-top: 2rem;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: var(--fs-h4);
}

.prose > *:first-child {
  margin-top: 0;
}

.prose ul {
  padding-left: 0;
  list-style: none;
}

.prose ul li {
  position: relative;
  padding-left: 1.6rem;
  margin-bottom: 0.55rem;
}

.prose ul li::before {
  content: '';
  position: absolute;
  left: 0.15rem;
  top: 0.62em;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold-500);
}

.prose ol {
  padding-left: 1.3rem;
}

.prose ol li::marker {
  color: var(--forest-600);
  font-weight: 700;
}

/* Callout / worked-example box */
.callout {
  background: var(--cream-100);
  border: 1px solid var(--sand-300);
  border-left: 4px solid var(--gold-500);
  border-radius: var(--r);
  padding: clamp(1.25rem, 2.4vw, 1.75rem);
  margin: 1.9rem 0;
}

.callout__label {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 0.6rem;
}

.callout > *:last-child {
  margin-bottom: 0;
}

.callout--formula {
  font-family: ui-monospace, SFMono-Regular, 'SF Mono', Menlo, Consolas, monospace;
  font-size: 0.925rem;
  background: var(--forest-800);
  color: var(--cream-100);
  border-color: var(--forest-800);
  border-left-color: var(--gold-500);
}

.callout--formula .callout__label {
  color: var(--gold-400);
}

.note {
  font-size: 0.82rem;
  color: var(--stone-500);
  line-height: 1.6;
}

/* Checklist */
.checklist {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 0.6rem;
}

.checklist li {
  position: relative;
  padding-left: 2.1rem;
  margin: 0;
  font-size: var(--fs-sm);
  line-height: 1.55;
}

.checklist li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.05em;
  width: 22px;
  height: 22px;
  border-radius: 6px;
  background: var(--forest-600)
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E")
    center / 13px no-repeat;
}

.checklist--group {
  margin-bottom: 1.6rem;
}

.checklist--group > p {
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
  color: var(--ink);
}

/* Data table */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--r);
  margin: 1.8rem 0;
  background: var(--surface);
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: var(--fs-sm);
  min-width: 420px;
}

caption {
  text-align: left;
  padding: 1rem 1.15rem 0;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}

th,
td {
  padding: 0.85rem 1.15rem;
  text-align: left;
  border-bottom: 1px solid var(--border);
}

thead th {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  background: var(--cream-100);
}

tbody tr:last-child td {
  border-bottom: 0;
}

tbody th {
  font-weight: 650;
}

/* ------------------------------------------------ 14b. Blog and posts */

.pagehero--post h1 {
  max-width: 22ch;
}

.post__byline {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  margin: 1.4rem 0 0;
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.75);
}

.post__avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  flex: none;
  background: var(--cream-100);
}

/* Date and read time on the index cards. */
.post__meta {
  font-size: 0.78rem;
  color: var(--stone-500);
  margin-bottom: 1.1rem;
}

.card__body .post__meta {
  margin-top: -0.5rem;
}

.post__nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 3rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
}

.link-arrow--back::after {
  content: none;
}

.link-arrow--back::before {
  content: '←';
  margin-right: 0.45rem;
  display: inline-block;
  transition: transform 0.25s var(--ease);
}

.link-arrow--back:hover::before {
  transform: translateX(-5px);
}

/* Posts are read top to bottom, so give the body a touch more air. */
.post .prose p {
  font-size: 1.075rem;
  line-height: 1.72;
}

.post .prose h2 {
  margin-top: 2.9rem;
}

/* -------------------------------------------- 15. Table of contents (guides) */

.guide-layout {
  display: grid;
  gap: clamp(2rem, 4vw, 3.5rem);
  grid-template-columns: 1fr;
}

@media (min-width: 1000px) {
  .guide-layout {
    grid-template-columns: 250px minmax(0, 1fr);
  }
}

.toc {
  position: sticky;
  top: calc(var(--nav-h) + 24px);
  align-self: start;
  font-size: 0.875rem;
}

.toc__title {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.9rem;
}

.toc ol {
  list-style: none;
  padding: 0;
  margin: 0;
  border-left: 2px solid var(--border);
}

.toc li {
  margin: 0;
}

.toc a {
  display: block;
  padding: 0.5rem 0 0.5rem 1rem;
  margin-left: -2px;
  border-left: 2px solid transparent;
  color: var(--text-muted);
  text-decoration: none;
  line-height: 1.4;
  transition: color 0.18s var(--ease), border-color 0.18s var(--ease);
}

.toc a:hover {
  color: var(--forest-600);
}

.toc a.is-active {
  color: var(--forest-600);
  border-left-color: var(--gold-500);
  font-weight: 650;
}

@media (max-width: 999px) {
  .toc {
    position: static;
    background: var(--cream-100);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 1.25rem;
  }
}

/* Reading progress bar */
.progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  background: linear-gradient(90deg, var(--gold-500), var(--moss-300));
  z-index: 101;
  transition: width 0.1s linear;
}

/* ------------------------------------------------------ 16. Forms & CTA */

.ctaform {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr;
}

@media (min-width: 900px) {
  .ctaform {
    grid-template-columns: 0.85fr 1.15fr;
  }
}

.ctaform__aside {
  background: var(--forest-700);
  color: var(--cream-100);
  padding: clamp(1.75rem, 3.4vw, 2.75rem);
  display: flex;
  flex-direction: column;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}

.ctaform__aside::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(90% 80% at 10% 100%, rgba(62, 95, 48, 0.9), transparent 65%);
}

.ctaform__aside h2 {
  color: #fff;
  font-size: clamp(1.5rem, 1.2rem + 1.3vw, 2.1rem);
  margin-bottom: 0.75rem;
}

.ctaform__aside p {
  color: rgba(245, 244, 236, 0.8);
  font-size: var(--fs-sm);
}

.ctaform__list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
  display: grid;
  gap: 0.7rem;
}

.ctaform__list li {
  position: relative;
  padding-left: 1.75rem;
  font-size: 0.9rem;
  color: rgba(245, 244, 236, 0.9);
  margin: 0;
}

.ctaform__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.28em;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold-500)
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230e140a' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E")
    center / 11px no-repeat;
}

.ctaform__direct {
  margin-top: auto;
  padding-top: 1.75rem;
  font-size: 0.85rem;
}

.ctaform__direct a {
  color: var(--gold-400);
  font-weight: 650;
  text-decoration: none;
  display: block;
  margin-top: 0.3rem;
}

.ctaform__main {
  padding: clamp(1.5rem, 3vw, 2.5rem);
}

/* GHL iframe embed slot */
.ghl-embed {
  width: 100%;
  border: 0;
  min-height: 640px;
  display: block;
  background: transparent;
}

/* Native form (used when config.forms.mode === "native") */
.field-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr));
  gap: 1.1rem;
  margin-bottom: 1.1rem;
}

.field {
  display: flex;
  flex-direction: column;
}

.field--full {
  grid-column: 1 / -1;
}

.field label {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.field label .req {
  color: var(--gold-600);
}

.field input,
.field select,
.field textarea {
  font-family: inherit;
  font-size: var(--fs-body);
  color: var(--ink);
  background: var(--cream-50);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  padding: 0.8rem 0.95rem;
  width: 100%;
  transition: border-color 0.18s var(--ease), box-shadow 0.18s var(--ease),
    background 0.18s var(--ease);
}

.field textarea {
  min-height: 120px;
  resize: vertical;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  background: #fff;
  border-color: var(--forest-500);
  box-shadow: 0 0 0 4px color-mix(in srgb, var(--forest-500) 14%, transparent);
}

.field input:user-invalid {
  border-color: #b4462f;
}

.form-note {
  font-size: 0.78rem;
  color: var(--stone-500);
  margin-top: 1rem;
  line-height: 1.55;
}

.form-status {
  margin-top: 1rem;
  padding: 0.9rem 1.1rem;
  border-radius: var(--r-sm);
  font-size: 0.9rem;
  font-weight: 600;
}

.form-status[data-state='ok'] {
  background: color-mix(in srgb, var(--forest-500) 12%, transparent);
  color: var(--forest-600);
}

.form-status[data-state='err'] {
  background: #fbeceb;
  color: #9c3a26;
}

/* Big dark CTA band */
.cta-band {
  background: var(--forest-800);
  color: #fff;
  border-radius: var(--r-xl);
  padding: clamp(2.25rem, 5vw, 4rem);
  text-align: center;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(80% 130% at 50% 0%, rgba(62, 95, 48, 0.85), transparent 65%);
}

.cta-band h2 {
  color: #fff;
  max-width: 22ch;
  margin-inline: auto;
}

.cta-band p {
  color: rgba(245, 244, 236, 0.8);
  max-width: 52ch;
  margin-inline: auto;
  margin-bottom: 1.9rem;
}

/* Sticky mobile CTA */
.mobile-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 90;
  display: none;
  gap: 0.6rem;
  padding: 0.7rem var(--gutter) calc(0.7rem + env(safe-area-inset-bottom));
  background: color-mix(in srgb, var(--forest-900) 94%, transparent);
  backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  transform: translateY(110%);
  transition: transform 0.32s var(--ease);
}

.mobile-cta.is-visible {
  transform: translateY(0);
}

.mobile-cta .btn {
  flex: 1;
  padding-inline: 0.75rem;
  font-size: 0.9rem;
}

@media (max-width: 760px) {
  .mobile-cta {
    display: flex;
  }
  body {
    padding-bottom: 0;
  }
}

/* ------------------------------------------------------ 17. Calculator */

.calc {
  display: grid;
  gap: clamp(1.5rem, 3vw, 2.5rem);
  grid-template-columns: 1fr;
}

@media (min-width: 940px) {
  .calc {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }
}

.calc__panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 3vw, 2.25rem);
}

.calc__field {
  margin-bottom: 1.6rem;
}

.calc__field:last-child {
  margin-bottom: 0;
}

.calc__label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.65rem;
}

.calc__label span {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.calc__val {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--forest-600);
  font-variant-numeric: tabular-nums;
}

.calc__num {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--forest-600);
  border: 0;
  border-bottom: 2px solid var(--border);
  background: transparent;
  width: 8ch;
  text-align: right;
  padding: 0 0 2px;
  font-variant-numeric: tabular-nums;
}

.calc__num:focus {
  outline: none;
  border-bottom-color: var(--gold-500);
}

input[type='range'] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--sand-200);
  cursor: pointer;
  margin: 0;
}

input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--forest-600);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(20, 34, 12, 0.3);
  cursor: grab;
  transition: transform 0.15s var(--ease);
}

input[type='range']::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scale(1.12);
}

input[type='range']::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--forest-600);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(20, 34, 12, 0.3);
  cursor: grab;
}

.calc__ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--stone-400);
  margin-top: 0.5rem;
  font-variant-numeric: tabular-nums;
}

.segmented {
  display: inline-flex;
  padding: 4px;
  background: var(--cream-100);
  border: 1px solid var(--border);
  border-radius: var(--r-pill);
  gap: 2px;
}

.segmented button {
  border: 0;
  background: transparent;
  font-family: inherit;
  font-size: 0.86rem;
  font-weight: 650;
  color: var(--text-muted);
  padding: 0.5rem 1.05rem;
  border-radius: var(--r-pill);
  cursor: pointer;
  transition: background 0.2s var(--ease), color 0.2s var(--ease);
}

.segmented button[aria-pressed='true'] {
  background: var(--forest-600);
  color: #fff;
}

.calc__result {
  background: var(--forest-800);
  color: #fff;
  border-radius: var(--r-lg);
  padding: clamp(1.75rem, 3.4vw, 2.5rem);
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.calc__result::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(85% 90% at 100% 0%, rgba(62, 95, 48, 0.9), transparent 62%);
}

.calc__headline {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 0.6rem;
}

.calc__big {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 1.6rem + 3.6vw, 4rem);
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.035em;
  color: #fff;
  font-variant-numeric: tabular-nums;
  margin-bottom: 0.3rem;
}

.calc__per {
  font-size: 0.95rem;
  color: rgba(245, 244, 236, 0.72);
  margin-bottom: 1.9rem;
}

.calc__breakdown {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: 1px;
  background: rgba(255, 255, 255, 0.16);
  border-radius: var(--r);
  overflow: hidden;
  margin-bottom: 1.6rem;
}

.calc__breakdown div {
  background: var(--forest-800);
  padding: 0.95rem 1.1rem;
}

.calc__breakdown dt {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: rgba(245, 244, 236, 0.6);
  margin-bottom: 0.3rem;
}

.calc__breakdown dd {
  margin: 0;
  font-size: 1.08rem;
  font-weight: 700;
  color: #fff;
  font-variant-numeric: tabular-nums;
}

/* Principal vs interest bar */
.split-bar {
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  display: flex;
  background: rgba(255, 255, 255, 0.14);
  margin-bottom: 0.8rem;
}

.split-bar i {
  display: block;
  height: 100%;
  transition: width 0.5s var(--ease);
}

.split-bar i:first-child {
  background: var(--moss-300);
}

.split-bar i:last-child {
  background: var(--gold-500);
}

.split-key {
  display: flex;
  flex-wrap: wrap;
  gap: 1.2rem;
  font-size: 0.8rem;
  color: rgba(245, 244, 236, 0.78);
  margin-bottom: 1.9rem;
}

.split-key b {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-weight: 600;
}

.split-key b::before {
  content: '';
  width: 10px;
  height: 10px;
  border-radius: 3px;
}

.split-key b.k-p::before {
  background: var(--moss-300);
}

.split-key b.k-i::before {
  background: var(--gold-500);
}

/* --------------------------------------------------------- 18. KiwiSaver */

/* Two figures with a connector between them. The connector is an explicit
   middle column so it can never be pushed into a card's grid cell on wrap. */
.compare {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
  align-items: stretch;
}

@media (min-width: 720px) {
  .compare {
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
  }
}

/* Two cards, no connector between them. */
.compare--pair {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr));
}

@media (min-width: 720px) {
  .compare--pair {
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr));
  }
}

.compare__card {
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 2.8vw, 2rem);
  border: 1px solid var(--border);
  background: var(--surface);
  text-align: center;
}

.compare__card--hi {
  background: var(--forest-700);
  border-color: var(--forest-700);
  color: #fff;
}

.compare__n {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 1.6rem + 3vw, 3.4rem);
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.035em;
  color: var(--forest-600);
  display: block;
  margin-bottom: 0.5rem;
}

.compare__card--hi .compare__n {
  color: var(--gold-500);
}

.compare__l {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.45;
}

.compare__card--hi .compare__l {
  color: rgba(245, 244, 236, 0.78);
}

.compare__arrow {
  display: grid;
  place-items: center;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-400);
  text-align: center;
  padding: 0.5rem 0.75rem;
  max-width: 9ch;
  line-height: 1.4;
  gap: 0.15rem;
}

.compare__arrow-glyph {
  font-size: 1.5rem;
  line-height: 1;
}

/* Stacked on mobile, the connector points down rather than across. */
@media (max-width: 719px) {
  .compare__arrow-glyph {
    display: inline-block;
    transform: rotate(90deg);
  }
}

.section--dark .compare__arrow {
  color: var(--gold-400);
}

.provider-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.provider {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.6rem 1.1rem;
  border-radius: var(--r-pill);
  background: var(--surface);
  border: 1px solid var(--border);
  font-weight: 650;
  font-size: 0.9rem;
}

.provider::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
}

.section--dark .provider {
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(255, 255, 255, 0.16);
  color: #fff;
}

/* ------------------------------------------------------------ 19. People */

.person {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 3vw, 2.25rem);
  display: flex;
  flex-direction: column;
}

.person__top {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.35rem;
}

.person__av {
  width: 62px;
  height: 62px;
  flex: none;
  border-radius: 50%;
  background: linear-gradient(140deg, var(--forest-500), var(--forest-700));
  color: #fff;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
}

/* Studio headshots: square source, shown as a circle. The photos are framed so
   the head sits in the same place in each, so they line up as a set. */
.person__photo {
  width: 92px;
  height: 92px;
  flex: none;
  border-radius: 50%;
  object-fit: cover;
  background: var(--cream-100);
  box-shadow: 0 0 0 1px var(--border), 0 6px 16px -6px rgba(20, 34, 12, 0.35);
}

.person__photo--sm {
  width: 64px;
  height: 64px;
}

.person__name {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  line-height: 1.15;
  margin-bottom: 0.25rem;
}

.person__role {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--forest-500);
}

.person__fsp {
  font-size: 0.72rem;
  color: var(--stone-400);
  margin-top: 0.2rem;
}

.person__quote {
  font-family: var(--font-display);
  font-size: 1.08rem;
  line-height: 1.45;
  color: var(--forest-600);
  border-left: 3px solid var(--gold-500);
  padding-left: 1rem;
  margin-bottom: 1.35rem;
}

.person__bio {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  line-height: 1.68;
}

.person__bio p:last-of-type {
  margin-bottom: 0;
}

.tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 1.35rem 0;
}

.tag {
  font-size: 0.76rem;
  font-weight: 650;
  padding: 0.35rem 0.75rem;
  border-radius: var(--r-pill);
  background: var(--cream-100);
  color: var(--forest-600);
  border: 1px solid var(--sand-300);
}

.person__contact {
  margin-top: auto;
  padding-top: 1.35rem;
  border-top: 1px solid var(--border);
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
  font-size: 0.875rem;
}

.person__contact a {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  text-decoration: none;
}

/* At-a-glance spec list */
.spec {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 2.8vw, 2rem);
}

.spec dl {
  margin: 0;
  display: grid;
  gap: 1.05rem;
}

.spec dt {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--stone-400);
  margin-bottom: 0.2rem;
}

.spec dd {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.5;
}

/* -------------------------------------------------------- 20. Contact */

.contact-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr));
  gap: clamp(1rem, 2vw, 1.5rem);
}

.contact-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 3vw, 2.1rem);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease),
    border-color 0.3s var(--ease);
}

.contact-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: color-mix(in srgb, var(--forest-600) 35%, var(--border));
  color: inherit;
}

.contact-card__k {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--forest-500);
  margin-bottom: 0.85rem;
}

.contact-card__v {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 1.05rem + 0.6vw, 1.5rem);
  font-weight: 600;
  line-height: 1.2;
  margin-bottom: 0.6rem;
  overflow-wrap: anywhere;
}

.contact-card p {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  margin-bottom: 1.2rem;
}

.contact-card .link-arrow {
  margin-top: auto;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr));
  gap: 1px;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--r-lg);
  overflow: hidden;
}

.info-grid > div {
  background: var(--forest-800);
  padding: clamp(1.4rem, 2.6vw, 1.9rem);
}

.info-grid dt {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 0.6rem;
}

.info-grid dd {
  margin: 0;
  color: rgba(245, 244, 236, 0.9);
  font-size: 0.95rem;
  line-height: 1.6;
}

.info-grid dd + dd {
  margin-top: 0.3rem;
  color: rgba(245, 244, 236, 0.62);
  font-size: 0.85rem;
}

/* -------------------------------------------------------- 21. Footer */

.footer {
  background: var(--forest-900);
  color: rgba(245, 244, 236, 0.72);
  padding-top: clamp(3.5rem, 6vw, 5.5rem);
  font-size: 0.9rem;
  position: relative;
  isolation: isolate;
}

.footer::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
}

.footer__top {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 175px), 1fr));
  gap: clamp(1.75rem, 3.5vw, 3rem);
  padding-bottom: 3rem;
}

.footer__brand {
  grid-column: span 2;
  min-width: 240px;
}

@media (max-width: 640px) {
  .footer__brand {
    grid-column: span 1;
  }
}

.footer__brand p {
  margin-top: 1.1rem;
  max-width: 34ch;
  line-height: 1.65;
  color: rgba(245, 244, 236, 0.6);
  font-size: 0.85rem;
}

.footer h3 {
  color: #fff;
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}

.footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.6rem;
}

.footer li {
  margin: 0;
}

.footer a {
  color: rgba(245, 244, 236, 0.72);
  text-decoration: none;
  transition: color 0.18s var(--ease);
}

.footer a:hover {
  color: var(--gold-400);
}

.socials {
  display: flex;
  gap: 0.6rem;
  margin-top: 1.4rem;
}

.socials a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.18);
  display: grid;
  place-items: center;
  color: rgba(245, 244, 236, 0.8);
  transition: background 0.2s var(--ease), border-color 0.2s var(--ease), color 0.2s var(--ease);
}

.socials a:hover {
  background: var(--gold-500);
  border-color: var(--gold-500);
  color: var(--forest-900);
}

.footer__legal {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: 1.75rem 2.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.75rem;
  align-items: center;
  font-size: 0.8rem;
  color: rgba(245, 244, 236, 0.52);
}

.footer__legal nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  margin-right: auto;
}

.footer__disclosure {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: 1.5rem 2.5rem;
  font-size: 0.78rem;
  line-height: 1.65;
  color: rgba(245, 244, 236, 0.45);
  max-width: 90ch;
}

/* --------------------------------------------------- 22. Scroll reveal */

.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
  transition-delay: var(--d, 0ms);
}

.reveal.is-in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
  .marquee__track {
    animation: none;
  }
  /* The hero still reads correctly standing still: the emblem sits fully lit. */
  .hero-emblem__level {
    animation: none;
    transform: translateY(-88px);
  }
}

/* ------------------------------------------------------- 23. Utilities */

.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 1.25rem; }
.mt-3 { margin-top: 2rem; }
.mt-4 { margin-top: 3rem; }
.mb-2 { margin-bottom: 1.25rem; }
.mb-3 { margin-bottom: 2rem; }
.mb-4 { margin-bottom: 3rem; }

@media print {
  .header,
  .drawer,
  .mobile-cta,
  .progress,
  .toc,
  .ctaform,
  .cta-band {
    display: none !important;
  }
  body {
    background: #fff;
  }
}