:root{
  /* --- warm light palette --- */
  --canvas:#FCF9F4;
  --sand:#F4EDE2;
  --sand-2:#EDE2D2;
  --forest:#1E3A31;
  --forest-2:#284D41;
  --green:#2E6B54;
  --green-soft:#5C9179;
  --clay:#C17444;
  --clay-soft:#E0B98F;
  --ink:#23201B;
  --muted:#6E675C;
  --muted-2:#989184;
  --line:#E5DACA;
  --line-2:#D6C8B4;

  --display:'Fraunces', ui-serif, Georgia, serif;
  --sans:'Figtree', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --max:1200px;
  --r:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{
  background:var(--canvas);color:var(--ink);
  font-family:var(--sans);font-weight:400;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:var(--max);margin:0 auto;padding:0 34px}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{
  font-family:var(--display);font-weight:400;
  font-variation-settings:'SOFT' 40,'WONK' 0;
  letter-spacing:-.018em;line-height:1.12;
}
em{font-style:italic;color:var(--green)}

.eyebrow{
  font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;
  color:var(--green);font-weight:600;
  display:flex;align-items:center;gap:11px;
}
.eyebrow::before{content:"";width:20px;height:1.5px;background:var(--clay-soft)}
.eyebrow.c{justify-content:center}

/* ---------------- logo ---------------- */
.logo{display:inline-flex;align-items:center;gap:11px}
.logo svg{display:block}
.logo .word{
  font-family:var(--display);font-size:30px;font-weight:400;
  letter-spacing:-.005em;text-transform:lowercase;color:var(--forest);
  font-variation-settings:'SOFT' 40;line-height:1;
}

/* ---------------- buttons ---------------- */
.btn{
  display:inline-flex;align-items:center;gap:9px;
  background:var(--green);color:#FCF9F4;
  padding:14px 26px;border-radius:100px;
  font-family:var(--sans);font-size:15px;font-weight:600;letter-spacing:-.005em;
  border:1.5px solid var(--green);cursor:pointer;
  transition:.2s ease;
}
.btn:hover{background:var(--forest-2);border-color:var(--forest-2);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--forest);border-color:var(--line-2)}
.btn-ghost:hover{background:var(--sand);border-color:var(--green-soft);color:var(--forest)}
.btn-lg{padding:17px 32px;font-size:16px}

/* ---------------- nav ---------------- */
nav{
  position:sticky;top:0;z-index:60;
  background:rgba(252,249,244,.88);backdrop-filter:blur(16px);
  border-bottom:1px solid var(--line);
}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:82px}
.navlinks{display:flex;gap:34px;font-size:15px;color:var(--muted);font-weight:500}
.navlinks a{transition:.18s}
.navlinks a:hover{color:var(--forest)}
.navcta{display:flex;align-items:center;gap:22px}
.phone{font-size:15px;color:var(--forest);font-weight:600;text-decoration:none}
a.phone:hover{color:var(--green)}

/* ---------------- hero ---------------- */
header{
  padding:84px 0 98px;position:relative;overflow:hidden;
  background:radial-gradient(circle 500px at 66% -6%,rgba(224,185,143,.30) 0%,rgba(252,249,244,0) 100%);
}
.hero{display:grid;grid-template-columns:1.02fr .98fr;gap:66px;align-items:end;position:relative;z-index:2}
.herocopy{padding-bottom:0}
h1{font-size:66px;margin:26px 0 24px;max-width:12ch}
.lede{font-size:19px;color:var(--muted);max-width:500px;line-height:1.7}
.herobtns{display:flex;gap:13px;margin-top:36px;flex-wrap:wrap}
.reassure{
  margin-top:30px;display:flex;gap:22px;flex-wrap:wrap;
  font-size:14px;color:var(--muted);
}
.reassure span{display:flex;align-items:center;gap:7px}
.reassure i{color:var(--green);font-style:normal;font-size:12px}

.heroart{
  border-radius:var(--r);overflow:hidden;position:relative;
  background:linear-gradient(170deg,#FBF3E7,#F1E5D2);
  border:1px solid var(--line);
  aspect-ratio:1/1.02;
}
.heroart svg{position:absolute;inset:0;width:100%;height:100%}
.artnote{
  position:absolute;left:22px;bottom:20px;z-index:3;
  font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-2);
}

/* ---------------- arch window hero ---------------- */
.archwin{
  position:relative;aspect-ratio:1.135;
  border-radius:20px;overflow:hidden;
  background:linear-gradient(172deg,#F7EFE3,#EEDFC8);
  border:1px solid var(--line);
}
.archwin svg{position:absolute;inset:0;width:100%;height:100%}
.archphoto{position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;object-position:center;display:block}
.heropair{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:end}

/* typographic hero, no photograph */
.hero.nophoto{grid-template-columns:1fr;justify-items:center;text-align:center;padding-top:34px;padding-bottom:26px}
.hero.nophoto h1{font-size:76px;max-width:17ch;margin-left:auto;margin-right:auto}
.hero.nophoto .lede{max-width:640px;margin-left:auto;margin-right:auto;font-size:20px}
.hero.nophoto .herobtns{justify-content:center}
.hero.nophoto .reassure{justify-content:center}
.archwin .tag{
  position:absolute;left:50%;bottom:20px;transform:translateX(-50%);z-index:3;
  font-size:10.5px;letter-spacing:.15em;text-transform:uppercase;color:#9A8A72;
}
.rating{display:flex;align-items:center;gap:9px;margin-top:26px;font-size:14.5px;color:var(--muted)}
.rating .stars{color:var(--clay);letter-spacing:.1em;font-size:14px}
.rating b{color:var(--forest);font-weight:600}

/* ---------------- loan-type selector ---------------- */
.selector{background:var(--sand);border-top:1px solid var(--line);padding:46px 0 52px}
.selector h3{font-size:26px;margin-bottom:22px}
.chips{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.chip{
  display:flex;align-items:center;gap:13px;
  background:var(--canvas);border:1.5px solid var(--line);border-radius:100px;
  padding:15px 22px;font-size:15.5px;font-weight:500;color:var(--forest);
  transition:.2s ease;
}
.chip:hover{border-color:var(--green-soft);background:#fff;transform:translateY(-2px)}
.chip svg{flex-shrink:0}
.chip .arw{margin-left:auto;color:var(--green-soft);font-size:15px}

/* ---------------- lender ticker ---------------- */
.lenderbar{background:var(--sand);border-bottom:1px solid var(--line-2);padding:8px 0 34px}
.lenderbar .wrap{display:flex;align-items:center;gap:28px}
.lenderbar .lbl{font-size:12.5px;color:var(--muted);font-weight:500;flex-shrink:0;max-width:150px;line-height:1.45}
.marquee{
  flex:1;overflow:hidden;position:relative;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 5%,#000 95%,transparent 100%);
          mask-image:linear-gradient(90deg,transparent 0,#000 5%,#000 95%,transparent 100%);
}
.mtrack{display:flex;width:100%;justify-content:space-between;animation:none}
.marquee:hover .mtrack{animation-play-state:paused}
.mtrack span:nth-child(n+9){display:none}
.mtrack span{
  font-family:var(--display);font-size:19px;color:var(--muted-2);
  letter-spacing:.01em;white-space:nowrap;padding:0 26px;line-height:1.4;
}
@keyframes beyond-marquee{from{transform:translateX(0)}to{transform:translateX(-33.3333%)}}
@media(prefers-reduced-motion:reduce){
  .mtrack{animation:none;flex-wrap:wrap;width:auto}
  .mtrack span:nth-child(n+9){display:none}
}

/* ---------------- trust strip ---------------- */
.trust{background:var(--forest);color:#EFE7DA;padding:44px 0 46px}
.trust .head{text-align:center;margin-bottom:30px}
.trust .head .eyebrow{color:var(--clay-soft);justify-content:center}

.trust .head h3{font-size:34px;color:#FCF9F4;margin-top:16px}
.trust .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}
.trust .creds{list-style:none;margin:32px 0 0;padding:26px 0 0;border-top:1px solid rgba(239,231,218,.18);display:grid;grid-template-columns:repeat(4,1fr);gap:28px 34px;font-size:14px;color:rgba(239,231,218,.78)}
.trust .creds li{display:flex;flex-direction:column;align-items:flex-start;gap:4px}
.trust .creds b{color:#FCF9F4;font-weight:600}
.trust .creds .num{font-size:15px;color:var(--clay-soft);letter-spacing:.02em}
.trust .creds .what{font-size:13px;line-height:1.55;margin-top:4px}
.trust .creds a{color:var(--clay-soft);margin-top:6px;text-decoration:underline;text-underline-offset:3px;white-space:nowrap;min-height:24px}
.trust .creds a:hover{color:#FCF9F4}
@media(max-width:960px){.trust .creds{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.trust .creds{grid-template-columns:1fr;gap:22px}}
.tcell{padding:0 6px}
.tcell .ic{color:var(--clay-soft);margin-bottom:16px;display:block}
.tcell h4{font-family:var(--display);font-size:20px;color:#FCF9F4;margin-bottom:9px;line-height:1.2}
.tcell p{font-size:14.5px;color:rgba(239,231,218,.66);line-height:1.62}

/* ---------------- sections ---------------- */
section{padding:112px 0}
.sec-head{max-width:640px;margin-bottom:60px}
.sec-head.c{margin-left:auto;margin-right:auto;text-align:center}
h2{font-size:47px;margin:20px 0 18px}
.sec-head p{color:var(--muted);font-size:18px;line-height:1.72}

/* ---------------- service cards ---------------- */
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.svc{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:32px 28px 34px;transition:.22s ease;
}
.svc:hover{transform:translateY(-3px);border-color:var(--line-2);box-shadow:0 14px 34px rgba(35,32,27,.06)}
.svc .ico{width:42px;height:42px;margin-bottom:22px}
.svc h4{font-size:21px;margin-bottom:10px}
.svc p{font-size:15px;color:var(--muted);line-height:1.68}
.svc .lnk{display:inline-block;margin-top:18px;font-size:14px;font-weight:600;color:var(--green)}

/* ---------------- steps ---------------- */
.steps-sec{background:var(--sand)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps.two{grid-template-columns:repeat(2,1fr)}
.step{background:var(--canvas);border:1px solid var(--line);border-radius:var(--r);padding:34px 30px 38px}
.step .num{
  width:38px;height:38px;border-radius:50%;
  background:var(--forest);color:var(--canvas);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--display);font-size:16px;margin-bottom:22px;
}
.step h4{font-size:23px;margin-bottom:12px}
.step p{font-size:15.5px;color:var(--muted);line-height:1.7}

/* ---------------- calculator ---------------- */
.calc-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:70px;align-items:center}
.calc{
  background:#fff;border:1px solid var(--line-2);border-radius:var(--r);
  box-shadow:0 18px 44px rgba(35,32,27,.055);overflow:hidden;
}
.tabs{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid var(--line)}
.tab{
  padding:19px 10px;text-align:center;font-size:15px;font-weight:600;color:var(--muted);
  cursor:pointer;background:var(--sand);transition:.18s;border-right:1px solid var(--line);
}
.tab:last-child{border-right:none}
.tab.on{background:#fff;color:var(--forest)}
.calcbody{padding:32px 34px 34px}
.field{margin-bottom:19px}
.field label{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px;font-weight:600}
.field input{
  width:100%;background:var(--canvas);border:1.5px solid var(--line);
  color:var(--ink);padding:14px 15px;border-radius:9px;
  font-family:var(--sans);font-size:17px;font-weight:500;outline:none;transition:.18s;
}
.field input:focus{border-color:var(--green-soft);background:#fff}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.readout{
  margin-top:26px;padding:22px 24px;border-radius:11px;
  background:var(--sand);display:flex;align-items:center;justify-content:space-between;gap:20px;
}
.readout .lbl{font-size:13px;color:var(--muted);font-weight:500;max-width:150px;line-height:1.45}
.readout .val{font-family:var(--display);font-size:40px;color:var(--forest);line-height:1}
.readout .val small{font-family:var(--sans);font-size:13px;color:var(--muted);font-weight:500}
.calc .btn{width:100%;justify-content:center;margin-top:20px}
.fineprint{font-size:11.5px;color:var(--muted-2);margin-top:14px;line-height:1.55;text-align:center}
.pane{display:none}
.pane.on{display:block}

/* ---------------- why ---------------- */
.why{background:var(--forest);color:#EFE7DA}
.why h2,.why h4{color:#FCF9F4}
.why .eyebrow{color:var(--clay-soft)}
.why .eyebrow::before{background:rgba(224,185,143,.5)}

.why-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}
.why p.intro{color:rgba(239,231,218,.72);font-size:18px;line-height:1.72}
.reasons{display:grid;grid-template-columns:1fr 1fr;gap:34px 40px}
.reason{}
.reason .r-ico{color:var(--clay-soft);font-size:15px;margin-bottom:14px}
.reason h4{font-size:20px;margin-bottom:9px}
.reason p{font-size:15px;color:rgba(239,231,218,.66);line-height:1.68}

/* ---------------- lenders ---------------- */
.lenders{padding:52px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--canvas)}
.lenders .lbl{text-align:center;font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-2);margin-bottom:28px}
.logos{display:flex;justify-content:center;align-items:center;gap:50px;flex-wrap:wrap}
.logos div{font-family:var(--display);font-size:21px;color:var(--muted-2);letter-spacing:.02em}

/* ---------------- about ---------------- */
.about{background:var(--canvas);padding:88px 0 36px}
.about.alt{background:var(--canvas);padding:36px 0 88px}
.about.alt .about-grid.flip{margin-top:0}
#faq{padding:88px 0}
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:center}
.about-grid.flip{grid-template-columns:1.15fr .85fr;margin-top:80px}
.about-grid.flip .portrait{order:2}
.portrait{
  aspect-ratio:4/5;position:relative;overflow:hidden;
  border-radius:1000px 1000px var(--r) var(--r);   /* the brand arch */
  background:#0B0B0B;
}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 50%;display:block}
.portrait svg{position:absolute;inset:0;width:100%;height:100%;opacity:.5}
.portrait span{
  position:relative;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#8A7C67;
}
.about blockquote{font-family:var(--display);font-size:29px;line-height:1.34;margin:26px 0 24px;letter-spacing:-.015em}
.about p{color:var(--muted);font-size:16.5px;line-height:1.72;max-width:560px}
.sig{margin-top:28px;display:flex;align-items:center;gap:38px;flex-wrap:wrap}
.sig .nm{font-weight:600;font-size:15px;color:var(--forest)}
.sig .rl{font-size:14px;color:var(--muted)}

/* ---------------- testimonials ---------------- */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px 30px 30px}
.stars{color:var(--clay);font-size:14px;letter-spacing:.18em;margin-bottom:18px}
.tcard p{font-size:16px;line-height:1.7;color:var(--ink)}
.tcard .who{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.tcard .who b{display:block;color:var(--forest);font-weight:600;margin-bottom:1px}

/* ---------------- booking ---------------- */
.booking{background:var(--sand)}
.book-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:70px;align-items:center}
.slots{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:0 18px 44px rgba(35,32,27,.055)}
.slots .head{padding:22px 28px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}
.slots .head b{font-family:var(--display);font-weight:400;font-size:20px}
.slots .head span{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2)}
.slotgrid{display:grid;grid-template-columns:repeat(4,1fr)}
.slot{padding:19px 8px;text-align:center;border-right:1px solid var(--line);border-bottom:1px solid var(--line);cursor:pointer;transition:.18s}
.slot:nth-child(4n){border-right:none}
.slot .d{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted-2)}
.slot .t{font-family:var(--display);font-size:19px;margin-top:6px;color:var(--forest)}
.slot:hover{background:var(--sand)}
.slots .reqbody{padding:26px 28px 4px;color:var(--muted);font-size:16px;line-height:1.65}
.slot.off{opacity:.34;cursor:default}
.slot.off:hover{background:#fff}
.slots .foot{padding:22px 28px}
.slots .foot .btn{width:100%;justify-content:center}
.book-list{list-style:none;margin-top:28px}
.book-list li{display:flex;gap:13px;padding:13px 0;font-size:16px;color:var(--muted)}
.book-list i{color:var(--green);font-style:normal;font-size:13px;line-height:1.6}

/* ---------------- faq ---------------- */
.faq{max-width:840px;margin:0 auto}
details{border-bottom:1px solid var(--line)}
details summary{
  list-style:none;cursor:pointer;padding:25px 0;
  font-family:var(--display);font-size:22px;letter-spacing:-.015em;
  display:flex;justify-content:space-between;align-items:center;gap:20px;color:var(--forest);
}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";color:var(--clay);font-family:var(--sans);font-size:22px;font-weight:400}
details[open] summary::after{content:"–"}
details p{color:var(--muted);font-size:16.5px;line-height:1.75;padding:0 0 27px;max-width:720px}

/* ---------------- final ---------------- */
.final{
  color:#EFE7DA;text-align:center;padding:120px 0;position:relative;overflow:hidden;
  background:radial-gradient(circle 460px at 50% 128%,rgba(224,185,143,.16) 0%,transparent 100%),var(--forest);
}
.final .wrap{position:relative;z-index:2}
.final .eyebrow{color:var(--clay-soft)}
.final .eyebrow::before{background:rgba(224,185,143,.5)}

.final h2{color:#FCF9F4;font-size:56px;max-width:16ch;margin:22px auto 20px}
.final p{color:rgba(239,231,218,.72);font-size:18px;max-width:520px;margin:0 auto}
.final .herobtns{justify-content:center;margin-top:38px}
.final .btn{background:var(--clay-soft);border-color:var(--clay-soft);color:#23201B}
.final .btn:hover{background:#EDCCA6;border-color:#EDCCA6}
.final .btn-ghost{background:transparent;color:#EFE7DA;border-color:rgba(239,231,218,.32)}
.final .btn-ghost:hover{background:rgba(255,255,255,.07);color:#fff}

/* ---------------- footer ---------------- */
footer{background:var(--canvas);padding:72px 0 0;border-top:1px solid var(--line)}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;padding-bottom:54px}
.foot-grid .logo{margin-bottom:20px}
.foot-grid p.blurb{font-size:15px;color:var(--muted);line-height:1.72;max-width:300px}
.fcol h5{font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--forest);margin-bottom:18px;font-weight:700}
.fcol a{display:block;font-size:15px;color:var(--muted);margin-bottom:11px}
.fcol a:hover{color:var(--forest)}
.legal{border-top:1px solid var(--line);padding:28px 0 44px}
.legal p{font-size:12.5px;color:var(--muted-2);line-height:1.7;max-width:950px}
.legal .row{display:flex;justify-content:space-between;gap:30px;margin-top:20px;font-size:12.5px;color:var(--muted-2)}
.tagpill{
  display:inline-block;background:var(--sand-2);color:#8A7C67;
  padding:2px 8px;border-radius:4px;font-size:11px;font-weight:600;letter-spacing:.04em;
}

@media(max-width:960px){
  .hero,.calc-grid,.why-grid,.about-grid,.book-grid{grid-template-columns:1fr;gap:44px}
  .hero.nophoto{padding-top:0;padding-bottom:0;text-align:left;justify-items:start}
  .hero.nophoto h1{font-size:44px;max-width:none}
  .hero.nophoto .lede{font-size:18px}
  .hero.nophoto .herobtns,.hero.nophoto .reassure{justify-content:flex-start}
  .about-grid.flip{grid-template-columns:1fr;margin-top:52px}
  .about-grid.flip .portrait{order:-1}
  .sig{gap:22px}
  .grid4,.steps,.tgrid,.reasons{grid-template-columns:1fr}
  .trust .wrap,.foot-grid{grid-template-columns:1fr 1fr}
  h1{font-size:44px}h2{font-size:34px}.final h2{font-size:38px}
  .phone{display:none}
  .chips{grid-template-columns:1fr 1fr}
  .trust .grid{grid-template-columns:1fr 1fr 1fr;gap:24px}
  .archwin{border-radius:16px}
  .heropair{gap:12px}
  header{padding-bottom:60px}
  .lenderbar .wrap{flex-direction:column;align-items:stretch;gap:14px}
  .marquee{width:100%;-webkit-mask-image:none;mask-image:none}
  .mtrack{flex-wrap:wrap;justify-content:flex-start;width:100%}
  .mtrack span{padding:5px 20px 5px 0;font-size:17px}
  section{padding:72px 0}
}

/* ============================================================
   INNER PAGE COMPONENTS
   ============================================================ */

/* page hero */
.page-hero{padding:64px 0 62px;border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.page-hero::before{
  content:"";position:absolute;top:-420px;right:-140px;width:900px;height:900px;border-radius:50%;
  background:radial-gradient(circle,rgba(224,185,143,.26) 0%,rgba(252,249,244,0) 64%);pointer-events:none;
}
.page-hero .wrap{position:relative;z-index:2}
.page-hero h1{font-size:54px;margin:20px 0 20px;max-width:16ch}
.page-hero .lede{font-size:19px;color:var(--muted);max-width:660px;line-height:1.7}
.page-hero .herobtns{margin-top:32px}
.page-hero.sand{background:var(--sand)}

.crumb{font-size:13.5px;color:var(--muted-2);margin-bottom:6px}
.crumb a{color:var(--muted)}
.crumb a:hover{color:var(--forest)}

/* prose / articles */
.prose{max-width:720px}
.prose h2{font-size:34px;margin:52px 0 16px}
.prose h3{font-size:24px;margin:36px 0 12px}
.prose p{font-size:17.5px;color:var(--muted);line-height:1.78;margin-bottom:18px}
.prose p strong{color:var(--ink);font-weight:600}
.prose ul,.prose ol{margin:0 0 20px 20px}
.prose li{font-size:17.5px;color:var(--muted);line-height:1.75;margin-bottom:10px}
.prose li strong{color:var(--ink);font-weight:600}
.prose a{color:var(--green);font-weight:500;text-decoration:underline;text-underline-offset:3px}
.prose > p:first-child{font-size:19.5px;color:var(--ink)}
.article-meta{font-size:13.5px;color:var(--muted-2);letter-spacing:.04em;margin-bottom:8px}

/* callout */
.callout{
  background:var(--sand);border-left:3px solid var(--green);border-radius:0 12px 12px 0;
  padding:26px 30px;margin:32px 0;
}
.callout h4{font-size:19px;margin-bottom:9px}
.callout p{font-size:16px;color:var(--muted);line-height:1.7;margin:0}
.callout.clay{border-left-color:var(--clay);background:#F8EDE3}

/* key-number strip */
.keynums{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0}
.keynum{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 24px 26px}
.keynum b{font-family:var(--display);font-size:34px;color:var(--forest);display:block;line-height:1.05}
.keynum span{font-size:14px;color:var(--muted);display:block;margin-top:8px;line-height:1.55}

/* vertical steps */
.vsteps{counter-reset:s;margin-top:8px}
.vstep{display:grid;grid-template-columns:56px 1fr;gap:24px;padding:28px 0;border-bottom:1px solid var(--line)}
.vstep:last-child{border-bottom:none}
.vstep .n{
  width:44px;height:44px;border-radius:50%;background:var(--forest);color:var(--canvas);
  display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:18px;
}
.vstep h4{font-size:23px;margin-bottom:9px}
.vstep p{font-size:16.5px;color:var(--muted);line-height:1.72}
.vstep .when{font-size:13px;color:var(--green);font-weight:600;margin-top:10px;display:block}

/* comparison table */
.tablewrap{overflow-x:auto;margin:30px 0}
table.compare{width:100%;border-collapse:collapse;min-width:620px;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
table.compare th,table.compare td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);font-size:15.5px}
table.compare thead th{background:var(--forest);color:#FCF9F4;font-family:var(--display);font-weight:400;font-size:17px}
table.compare tbody th{font-weight:600;color:var(--ink);width:38%}
table.compare td{color:var(--muted)}
table.compare tr:last-child th,table.compare tr:last-child td{border-bottom:none}
table.compare .yes{color:var(--green);font-weight:600}
table.compare .no{color:var(--clay)}

/* guide cards */
.guidegrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.guide{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:0;overflow:hidden;transition:.22s ease;display:flex;flex-direction:column;
  position:relative;
}
.guide::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--clay-soft);opacity:0;transition:.22s ease}
.guide:hover{transform:translateY(-3px);border-color:var(--line-2);box-shadow:0 14px 34px rgba(35,32,27,.06)}
.guide:hover::before{opacity:1}
.guide .body{padding:30px 28px 26px;display:flex;flex-direction:column;flex:1}
.guide h4{margin-top:2px}
.guide p{flex:1}
.guide .rt{margin-top:20px;padding-top:16px;border-top:1px solid var(--line)}
.guide .kicker{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--green);font-weight:700;margin-bottom:10px}
.guide h4{font-size:21px;margin-bottom:9px;line-height:1.25}
.guide p{font-size:15px;color:var(--muted);line-height:1.65}
.guide .rt{font-size:13px;color:var(--muted-2);margin-top:14px;display:block}

/* glossary */
.gloss{max-width:820px}
.gterm{padding:24px 0;border-bottom:1px solid var(--line)}
.gterm h4{font-size:21px;margin-bottom:8px}
.gterm .short{font-size:13px;color:var(--green);font-weight:600;letter-spacing:.04em;margin-bottom:8px;display:block}
.gterm p{font-size:16.5px;color:var(--muted);line-height:1.72}
.glossnav{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:38px}
.glossnav a{
  background:var(--sand);border:1px solid var(--line);border-radius:100px;
  padding:8px 16px;font-size:14px;font-weight:500;color:var(--forest);
}
.glossnav a:hover{background:#fff;border-color:var(--green-soft)}

/* two-col layout */
.twocol{display:grid;grid-template-columns:1fr 330px;gap:64px;align-items:start}
.side{position:sticky;top:104px}
.sidecard{background:var(--sand);border:1px solid var(--line);border-radius:var(--r);padding:28px 28px 30px;margin-bottom:16px}
.sidecard h4{font-size:20px;margin-bottom:10px}
.sidecard p{font-size:15px;color:var(--muted);line-height:1.68;margin-bottom:18px}
.sidecard .btn{width:100%;justify-content:center}
.sidecard ul{list-style:none;margin:0}
.sidecard li{font-size:15px;color:var(--muted);padding:8px 0;border-bottom:1px solid var(--line)}
.sidecard li:last-child{border-bottom:none}
.sidecard a.lnk{display:block;font-size:15px;color:var(--forest);font-weight:500;padding:9px 0;border-bottom:1px solid var(--line)}
.sidecard a.lnk:last-child{border-bottom:none}
.sidecard a.lnk:hover{color:var(--green)}

/* team */
.founder{display:grid;grid-template-columns:400px 1fr;gap:60px;align-items:start}
.founder.flip{grid-template-columns:1fr 400px}
.founder.flip{align-items:center}
.founder.flip .portrait{order:2}
.founder.flip .prose{order:1}
.founder .portrait{aspect-ratio:4/5;position:relative;overflow:hidden;border:none;padding:0;border-radius:1000px 1000px var(--r) var(--r);background:#EDE2D2}
.founder .portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 50%;display:block}
.founder .portrait span{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#8A7C67;position:relative}

/* contact */
.contactgrid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:34px 34px 36px;box-shadow:0 18px 44px rgba(35,32,27,.055)}
.form h3{font-size:25px;margin-bottom:6px}
.form .sub{font-size:15px;color:var(--muted);margin-bottom:24px}
.form label{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px;font-weight:600}
.form input,.form select,.form textarea{
  width:100%;background:var(--canvas);border:1.5px solid var(--line);border-radius:9px;
  padding:13px 15px;font-family:var(--sans);font-size:16px;color:var(--ink);outline:none;transition:.18s;
}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--green-soft);background:#fff}
.form .fieldrow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form .f{margin-bottom:17px}
.form .btn{width:100%;justify-content:center;margin-top:6px}
.form .fine{font-size:12px;color:var(--muted-2);margin-top:14px;line-height:1.55;text-align:center}
.contactinfo li{list-style:none;display:flex;gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.contactinfo li:first-child{border-top:1px solid var(--line)}
.contactinfo .ic{color:var(--green);flex-shrink:0}
.contactinfo b{display:block;font-size:16px;color:var(--forest);margin-bottom:3px}
.contactinfo span{font-size:15px;color:var(--muted);line-height:1.6}

/* cta band */
.ctaband{background:var(--forest);color:#EFE7DA;text-align:center;padding:88px 0}
.ctaband h2{color:#FCF9F4;font-size:44px;max-width:18ch;margin:18px auto 16px}
.ctaband p{color:rgba(239,231,218,.72);font-size:17px;max-width:520px;margin:0 auto}
.ctaband .eyebrow{color:var(--clay-soft);justify-content:center}
.ctaband .eyebrow::before{background:rgba(224,185,143,.5)}

.ctaband .herobtns{justify-content:center;margin-top:32px}
.ctaband .btn{background:var(--clay-soft);border-color:var(--clay-soft);color:#23201B}
.ctaband .btn:hover{background:#EDCCA6;border-color:#EDCCA6}
.ctaband .btn-ghost{background:transparent;color:#EFE7DA;border-color:rgba(239,231,218,.32)}
.ctaband .btn-ghost:hover{background:rgba(255,255,255,.07);color:#fff}

/* misc */
.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.pill{background:var(--sand);border:1px solid var(--line);border-radius:100px;padding:7px 15px;font-size:13.5px;color:var(--forest);font-weight:500}
.divider{border:none;border-top:1px solid var(--line);margin:0}
.centered{text-align:center;margin-left:auto;margin-right:auto}

@media(max-width:960px){
  .twocol,.founder,.contactgrid{grid-template-columns:1fr;gap:40px}
  .founder.flip{grid-template-columns:1fr}
  .founder.flip .portrait{order:1}
  .founder.flip .prose{order:2}
  .side{position:static}
  .guidegrid,.keynums,.form .fieldrow{grid-template-columns:1fr}
  .page-hero h1{font-size:38px}
  .prose h2{font-size:28px}
  .ctaband h2{font-size:32px}
}

/* ---------------- full lender panel ---------------- */
.lenderlist{columns:3;column-gap:34px;margin-top:6px}
.lenderlist div{
  break-inside:avoid;padding:11px 0;border-bottom:1px solid var(--line);
  font-size:16px;color:var(--ink);
}
.lenderlist div em{display:block;font-style:normal;font-size:12.5px;color:var(--clay);margin-top:3px}
.panelnote{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:38px}
@media(max-width:960px){.lenderlist{columns:1}.panelnote{grid-template-columns:1fr}}


/* trust band eyebrow: no leading rule */
.trust .head .eyebrow::before{content:none}
.trust .head .eyebrow{gap:0}

/* ---------------- nav dropdown ---------------- */
.navlinks .has-sub{position:relative;display:inline-flex;align-items:center;gap:6px;cursor:default}
.navlinks .has-sub > span{color:var(--muted);font-weight:500;transition:.18s}
.navlinks .has-sub:hover > span,
.navlinks .has-sub:focus-within > span{color:var(--forest)}
.navlinks .has-sub .caret{font-size:9px;color:var(--muted-2);transition:.18s}
.navlinks .has-sub:hover .caret{transform:rotate(180deg)}
.submenu{
  position:absolute;top:100%;left:-18px;min-width:236px;
  background:#fff;border:1px solid var(--line);border-radius:12px;
  box-shadow:0 16px 38px rgba(35,32,27,.10);
  padding:10px;opacity:0;visibility:hidden;transform:translateY(-6px);
  transition:.18s ease;z-index:80;
}
.navlinks .has-sub:hover .submenu,
.navlinks .has-sub:focus-within .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.submenu::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.submenu a{display:block;padding:10px 14px;border-radius:8px;font-size:15px;color:var(--forest);font-weight:500}
.submenu a:hover{background:var(--sand)}

/* ---------------- sources ---------------- */
.sources{border-top:1px solid var(--line);margin-top:44px;padding-top:24px}
.sources h4{font-family:var(--display);font-weight:400;font-size:19px;margin-bottom:6px}
.sources p.note{font-size:13.5px;color:var(--muted-2);margin-bottom:16px;line-height:1.6}
.sources ul{list-style:none;margin:0}
.sources li{padding:9px 0;border-bottom:1px solid var(--line);font-size:15px;line-height:1.55}
.sources li:last-child{border-bottom:none}
.sources a{color:var(--green);font-weight:600;text-decoration:none}
.sources a:hover{text-decoration:underline;text-underline-offset:3px}
.sources span{display:block;color:var(--muted);font-size:13.5px;margin-top:2px}

/* ---------------- mobile menu ---------------- */
.navtoggle{display:none}
.burger{display:none}
.navphone,.navbook{display:none}

@media(max-width:960px){
  .navtoggle{display:block;position:absolute;opacity:0;width:1px;height:1px;
    margin:0;pointer-events:none}
  .wrap{padding:0 24px}
  nav .wrap{justify-content:flex-start;gap:12px}
  .logo{margin-right:auto}
  .logo svg{width:32px;height:32px}
  .logo .word{font-size:25px}
  .navcta{order:4;gap:10px}
  .navcta .btn{white-space:nowrap;padding:12px 17px;font-size:14px}

  .burger{
    display:flex;flex-direction:column;justify-content:center;gap:5px;
    order:5;width:44px;height:44px;padding:11px;margin-right:-11px;
    cursor:pointer;-webkit-tap-highlight-color:transparent;
  }
  .burger span{display:block;height:2px;border-radius:2px;background:var(--forest);transition:.22s ease}
  .navtoggle:focus-visible ~ .burger{outline:2px solid var(--green);outline-offset:3px;border-radius:6px}
  .navtoggle:checked ~ .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .navtoggle:checked ~ .burger span:nth-child(2){opacity:0}
  .navtoggle:checked ~ .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

  .navlinks{
    display:block;position:absolute;top:100%;left:0;right:0;
    background:var(--canvas);border-top:1px solid var(--line);
    border-bottom:1px solid var(--line);
    box-shadow:0 20px 40px rgba(35,32,27,.10);
    padding:0 34px;font-size:17px;
    max-height:0;overflow:hidden;
    opacity:0;visibility:hidden;
    transition:max-height .26s ease,opacity .2s ease,padding .26s ease,visibility .26s;
  }
  .navtoggle:checked ~ .navlinks{
    max-height:calc(100vh - 82px);overflow-y:auto;
    opacity:1;visibility:visible;padding:8px 34px 22px;
  }
  .navlinks a{display:block;padding:15px 0;border-bottom:1px solid var(--line);color:var(--forest)}
  .navlinks > a:last-of-type{border-bottom:none}

  /* "What we do" opens out as a labelled group instead of a dropdown */
  .navlinks .has-sub{display:block;position:static;padding:15px 0 4px}
  .navlinks .has-sub > span{
    display:block;color:var(--muted-2);font-size:12px;font-weight:700;
    letter-spacing:.09em;text-transform:uppercase;
  }
  .navlinks .has-sub .caret{display:none}
  .submenu{
    position:static;opacity:1;visibility:visible;transform:none;
    background:none;border:none;box-shadow:none;
    padding:0;min-width:0;transition:none;
  }
  .submenu::before{content:none}
  .submenu a{padding:13px 0 13px 16px;font-size:16px;border-bottom:1px solid var(--line)}
  .submenu a:hover{background:none}

  .navlinks a.navphone{
    display:block;margin-top:16px;padding:14px 0 0;
    font-size:17px;font-weight:600;color:var(--green);border-bottom:none
  }
  .navlinks a.navbook{
    display:block;margin-top:14px;padding:15px 20px;text-align:center;
    background:var(--green);color:#FCF9F4;border-radius:100px;
    font-size:16px;font-weight:600;border-bottom:none
  }
}

/* very narrow phones: navigation beats the CTA, which lives in the menu anyway */
@media(max-width:359px){
  .navcta{display:none}
}

@media(prefers-reduced-motion:reduce){
  .navlinks,.burger span{transition:none}
}


/* ---------------- mobile legibility and tap targets ---------------- */
@media(max-width:960px){
  .steps.two{grid-template-columns:1fr}

  /* nothing below 12.5px on a phone */
  .eyebrow{font-size:12.5px}
  .head span{font-size:12.5px}
  .navlinks .has-sub > span{font-size:12.5px}
  .guide .kicker{font-size:12.5px}
  .tagpill{font-size:12.5px}
  .fineprint{font-size:12.5px}
  .form .fine{font-size:12.5px}
  .field label,.form label{font-size:12.5px}
  .lenders .lbl{font-size:12.5px}
  .lenderlist div em{font-size:13px}
  .slots .head span{font-size:12.5px}
  .slot .d{font-size:12.5px}
  .legal p,.legal .row{font-size:13px;line-height:1.75}

  /* comfortable targets for thumbs */
  nav .logo{min-height:44px}
  .more,.lenderbar .more{display:inline-flex;align-items:center;min-height:44px}
  .sources li a{display:inline-block;padding:3px 0}
  .legal .row{flex-direction:column;gap:8px}
}


/* very small phones: two chips will not fit side by side */
@media(max-width:400px){
  .chips{grid-template-columns:1fr}
  .chip{padding:14px 18px;font-size:15px}
}

/* trust band: stack the three cards on phones (after the 960px rule) */
@media(max-width:560px){.trust .grid{grid-template-columns:1fr;gap:22px}}