/* ==========================================================================
   LoanVisor — "instrument panel" design system
   Single shared stylesheet. All color/type/spacing tokens live in :root below.
   Do not hardcode new colors or fonts elsewhere — add a token here instead.
   ========================================================================== */

:root {
  /* --- Ink (base surfaces, darkest to lightest) --- */
  --ink-950: #05080B;
  --ink-900: #0A0E13;
  --ink-850: #0E141A;
  --ink-800: #131A22;
  --ink-700: #1A232D;
  --ink-600: #24303C;
  --ink-500: #33424F;

  /* --- Brass (accent / instrumentation) --- */
  --brass-700: #6E5514;
  --brass-600: #8E7020;
  --brass-500: #AC8A26;
  --brass-400: #C9A227;
  --brass-300: #DCBB55;
  --brass-200: #ECD69A;

  /* --- Type on dark --- */
  --paper: #F1EEE7;
  --paper-dim: #C6C1B6;
  --muted: #8B97A3;
  --muted-dim: #63707C;

  /* --- Signal colors (gauge / readouts only) --- */
  --signal-strong: #4E9E6A;
  --signal-mid: #C08A2A;
  --signal-weak: #B0553F;

  /* --- Hairlines & shadow --- */
  --line: rgba(201, 162, 39, 0.18);
  --line-soft: rgba(241, 238, 231, 0.09);
  --line-hard: rgba(201, 162, 39, 0.38);
  --shadow-panel: 0 1px 0 rgba(241, 238, 231, 0.04) inset,
                  0 18px 40px -24px rgba(0, 0, 0, 0.9);

  /* --- Type --- */
  --font-display: "Instrument Serif", Georgia, "Times New Roman", serif;
  --font-body: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono: "JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, monospace;

  /* --- Spacing scale --- */
  --sp-1: 0.25rem;
  --sp-2: 0.5rem;
  --sp-3: 0.75rem;
  --sp-4: 1rem;
  --sp-5: 1.5rem;
  --sp-6: 2rem;
  --sp-7: 3rem;
  --sp-8: 4rem;
  --sp-9: 6rem;

  /* --- Radii --- */
  --r-sm: 3px;
  --r-md: 6px;
  --r-lg: 10px;

  /* --- Layout --- */
  --container: 1120px;
  --container-narrow: 720px;

  /* --- Motion ---
     Per-element stagger for scroll reveals. Default 0; script.js overrides it
     inline per element (see the motion layer at the bottom of this file). */
  --reveal-delay: 0ms;
}

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

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background-color: var(--ink-900);
  /* Faint instrument-grid texture — reinforces the panel concept */
  background-image:
    linear-gradient(rgba(241, 238, 231, 0.014) 1px, transparent 1px),
    linear-gradient(90deg, rgba(241, 238, 231, 0.014) 1px, transparent 1px);
  background-size: 48px 48px;
  color: var(--paper);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--brass-300);
  text-decoration-color: rgba(220, 187, 85, 0.35);
  text-underline-offset: 3px;
}
a:hover { color: var(--brass-200); text-decoration-color: var(--brass-300); }

:focus-visible {
  outline: 2px solid var(--brass-400);
  outline-offset: 2px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 400;
  line-height: 1.12;
  letter-spacing: -0.01em;
  margin: 0 0 var(--sp-4);
}

h1 { font-size: clamp(2.35rem, 5.2vw, 3.9rem); }
h2 { font-size: clamp(1.85rem, 3.4vw, 2.6rem); }
h3 { font-size: clamp(1.35rem, 2.2vw, 1.65rem); }
h4 { font-size: 1.15rem; }

p { margin: 0 0 var(--sp-4); }

hr {
  border: 0;
  border-top: 1px solid var(--line-soft);
  margin: var(--sp-7) 0;
}

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

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--sp-5);
}

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

.section { padding-block: var(--sp-8); }
.section-tight { padding-block: var(--sp-7); }

.section-line { border-top: 1px solid var(--line-soft); }

/* Mono eyebrow label — the "instrument label" motif, used above section heads */
.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brass-400);
  margin: 0 0 var(--sp-3);
  display: flex;
  align-items: center;
  gap: var(--sp-3);
}
.eyebrow::after {
  content: "";
  flex: 1;
  height: 1px;
  background: linear-gradient(90deg, var(--line-hard), transparent);
}

.lede {
  font-size: 1.2rem;
  color: var(--paper-dim);
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   Header / nav  (repeated verbatim on every page — no includes system)
   -------------------------------------------------------------------------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(10, 14, 19, 0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line-soft);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-5);
  min-height: 68px;
}

.brand {
  display: inline-flex;
  align-items: baseline;
  gap: 0.5ch;
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--paper);
  text-decoration: none;
  letter-spacing: -0.015em;
  white-space: nowrap;
}
.brand:hover { color: var(--paper); }
.brand .brand-mark { color: var(--brass-400); }

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--sp-5);
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--paper-dim);
  text-decoration: none;
  padding-block: var(--sp-2);
  border-bottom: 1px solid transparent;
}
.nav-links a:hover { color: var(--paper); border-bottom-color: var(--brass-400); }
.nav-links a[aria-current="page"] { color: var(--brass-300); border-bottom-color: var(--brass-400); }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  color: var(--paper);
  padding: var(--sp-2) var(--sp-3);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  cursor: pointer;
}

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: var(--sp-3) var(--sp-5) var(--sp-5);
    background: var(--ink-850);
    border-bottom: 1px solid var(--line);
  }
  .nav-links.is-open { display: flex; }
  .nav-links li { border-bottom: 1px solid var(--line-soft); }
  .nav-links li:last-child { border-bottom: 0; }
  .nav-links a { display: block; padding: var(--sp-4) 0; }
  .nav-links .btn { margin-top: var(--sp-4); text-align: center; }
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 700;
  line-height: 1;
  padding: 0.85rem 1.4rem;
  border-radius: var(--r-sm);
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 120ms ease, border-color 120ms ease, color 120ms ease;
}

.btn-brass {
  background: var(--brass-400);
  color: var(--ink-950);
  border-color: var(--brass-400);
}
.btn-brass:hover { background: var(--brass-300); border-color: var(--brass-300); color: var(--ink-950); }

.btn-ghost {
  background: transparent;
  color: var(--paper);
  border-color: var(--line-hard);
}
.btn-ghost:hover { background: rgba(201, 162, 39, 0.08); color: var(--paper); border-color: var(--brass-400); }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  margin-top: var(--sp-5);
}

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

.hero { padding-block: var(--sp-9) var(--sp-8); }

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--sp-7);
  align-items: start;
}

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: var(--sp-6); }
  .hero { padding-block: var(--sp-7) var(--sp-6); }
}

/* The direct-answer opener — first thing on the page, before any setup.
   Styled to read as the answer, not as decoration. */
.answer-first {
  font-size: 1.25rem;
  line-height: 1.55;
  color: var(--paper);
  border-left: 2px solid var(--brass-400);
  padding-left: var(--sp-5);
  margin-bottom: var(--sp-5);
}
.answer-first strong { font-weight: 800; color: #fff; }

/* --------------------------------------------------------------------------
   Panel — the core "instrument" surface. Used by the calculator and any
   boxed readout.
   -------------------------------------------------------------------------- */

.panel {
  position: relative;
  background: linear-gradient(180deg, var(--ink-800), var(--ink-850));
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-panel);
  padding: var(--sp-6);
}

.panel-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--sp-4);
  padding-bottom: var(--sp-4);
  margin-bottom: var(--sp-5);
  border-bottom: 1px solid var(--line-soft);
}

.panel-title {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brass-300);
  margin: 0;
}

.panel-note {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted-dim);
}

/* --------------------------------------------------------------------------
   Form fields
   -------------------------------------------------------------------------- */

.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-4);
}
@media (max-width: 560px) { .field-grid { grid-template-columns: 1fr; } }

.field { display: flex; flex-direction: column; gap: var(--sp-2); }
.field-full { grid-column: 1 / -1; }

.field label {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--muted);
}

.field input,
.field select,
.field textarea {
  width: 100%;
  background: var(--ink-950);
  border: 1px solid var(--line-soft);
  border-radius: var(--r-sm);
  color: var(--paper);
  font-family: var(--font-mono);
  font-size: 1rem;
  padding: 0.7rem 0.8rem;
}
.field textarea { font-family: var(--font-body); min-height: 130px; resize: vertical; }

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--brass-400);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.14);
}

.field-hint {
  font-size: 0.82rem;
  color: var(--muted-dim);
  line-height: 1.45;
}

/* --------------------------------------------------------------------------
   Gauge (DSCR readout)
   -------------------------------------------------------------------------- */

.gauge-wrap {
  display: flex;
  align-items: center;
  gap: var(--sp-5);
  padding: var(--sp-5);
  background: var(--ink-950);
  border: 1px solid var(--line-soft);
  border-radius: var(--r-md);
  margin-bottom: var(--sp-5);
}
@media (max-width: 560px) { .gauge-wrap { flex-direction: column; text-align: center; } }

.gauge { flex: 0 0 auto; width: 148px; height: 92px; }
.gauge-track { fill: none; stroke: var(--ink-600); stroke-width: 10; stroke-linecap: round; }
.gauge-fill {
  fill: none;
  stroke: var(--brass-400);
  stroke-width: 10;
  stroke-linecap: round;
  transition: stroke-dashoffset 420ms cubic-bezier(0.22, 1, 0.36, 1), stroke 220ms ease;
}

.gauge-readout { min-width: 0; }

.readout-value {
  font-family: var(--font-mono);
  font-size: 2.9rem;
  font-weight: 700;
  line-height: 1;
  color: var(--paper);
  font-variant-numeric: tabular-nums;
}

.readout-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: var(--sp-2);
}

.readout-status {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-top: var(--sp-3);
  padding: 0.25rem 0.6rem;
  border-radius: var(--r-sm);
  border: 1px solid currentColor;
}
.status-strong { color: var(--signal-strong); }
.status-mid { color: var(--signal-mid); }
.status-weak { color: var(--signal-weak); }

/* Secondary numeric readouts under the gauge */
.readout-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: var(--sp-4);
  padding-top: var(--sp-4);
  border-top: 1px solid var(--line-soft);
}

.readout-item .readout-item-value {
  font-family: var(--font-mono);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--brass-200);
  font-variant-numeric: tabular-nums;
}
.readout-item .readout-item-label {
  font-family: var(--font-mono);
  font-size: 0.64rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted-dim);
  margin-top: 2px;
}

/* --------------------------------------------------------------------------
   Cards / grids  (shared by blog index, locations, team, feature lists)
   -------------------------------------------------------------------------- */

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--sp-5);
}

.card-grid-2 { grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); }

.card {
  display: flex;
  flex-direction: column;
  background: linear-gradient(180deg, var(--ink-800), var(--ink-850));
  border: 1px solid var(--line-soft);
  border-radius: var(--r-md);
  padding: var(--sp-5);
  transition: border-color 140ms ease, transform 140ms ease;
}

a.card { text-decoration: none; color: inherit; }
a.card:hover { border-color: var(--line-hard); transform: translateY(-2px); color: inherit; }

.card-kicker {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-400);
  margin-bottom: var(--sp-3);
}

.card h3 { font-size: 1.4rem; margin-bottom: var(--sp-3); }
.card p { color: var(--paper-dim); font-size: 0.98rem; margin-bottom: var(--sp-4); }
.card p:last-child { margin-bottom: 0; }

.card-foot {
  margin-top: auto;
  padding-top: var(--sp-4);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--brass-300);
}

/* --------------------------------------------------------------------------
   Team cards
   -------------------------------------------------------------------------- */

.team-photo {
  width: 100%;
  aspect-ratio: 4 / 3;
  border-radius: var(--r-sm);
  margin-bottom: var(--sp-5);
  background:
    repeating-linear-gradient(
      45deg,
      rgba(201, 162, 39, 0.05) 0 10px,
      transparent 10px 20px
    ),
    var(--ink-950);
  border: 1px dashed var(--line-hard);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-600);
  text-align: center;
  padding: var(--sp-4);
}

/* Real headshot replacing the dashed placeholder. Same box, so a card with a
   photo and a card still awaiting one stay the same height. */
img.team-photo {
  display: block;
  padding: 0;
  border: 1px solid var(--line-soft);
  border-style: solid;
  background: var(--ink-950);
  object-fit: cover;
  object-position: center 28%; /* favors the face on a square source crop */
}

.team-role {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--brass-400);
  margin-bottom: var(--sp-2);
}

.team-meta {
  list-style: none;
  margin: var(--sp-4) 0 0;
  padding: var(--sp-4) 0 0;
  border-top: 1px solid var(--line-soft);
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--muted);
}
.team-meta li { margin-bottom: var(--sp-2); }
.team-meta li:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Placeholder — compliance-critical. Marks any value Matt must supply.
   Must stay visually obvious so nothing ships with a fake value.
   -------------------------------------------------------------------------- */

.placeholder {
  font-family: var(--font-mono);
  font-size: 0.9em;
  color: var(--brass-200);
  background: rgba(201, 162, 39, 0.1);
  border: 1px dashed var(--line-hard);
  border-radius: var(--r-sm);
  padding: 0.05em 0.4em;
  white-space: nowrap;
}

/* --------------------------------------------------------------------------
   Prose (blog article body)
   -------------------------------------------------------------------------- */

.prose { font-size: 1.09rem; }
.prose > h2 { margin-top: var(--sp-7); }
.prose > h3 { margin-top: var(--sp-6); }
.prose ul, .prose ol { margin: 0 0 var(--sp-4); padding-left: 1.3rem; color: var(--paper-dim); }
.prose li { margin-bottom: var(--sp-2); }
.prose strong { color: #fff; font-weight: 700; }

.article-meta {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--muted-dim);
  margin-bottom: var(--sp-5);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
}

/* Worked-example block — concrete numbers, the thing AI engines cite */
.example {
  background: var(--ink-850);
  border: 1px solid var(--line);
  border-left: 3px solid var(--brass-400);
  border-radius: var(--r-md);
  padding: var(--sp-5);
  margin: var(--sp-5) 0;
}
.example h4 {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-300);
  margin-bottom: var(--sp-4);
}

.calc-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--font-mono);
  font-size: 0.92rem;
  margin: var(--sp-4) 0;
}
.calc-table th,
.calc-table td {
  text-align: left;
  padding: 0.55rem 0.6rem;
  border-bottom: 1px solid var(--line-soft);
}
.calc-table th {
  font-size: 0.66rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
}
.calc-table td:last-child { text-align: right; color: var(--brass-200); font-variant-numeric: tabular-nums; }
.calc-table tr.is-total td { border-bottom: 0; border-top: 1px solid var(--line-hard); font-weight: 700; color: #fff; }

.table-scroll { overflow-x: auto; }

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

.faq-item {
  border-top: 1px solid var(--line-soft);
  padding: var(--sp-5) 0;
}
.faq-item:last-child { border-bottom: 1px solid var(--line-soft); }
.faq-item h3 { font-size: 1.3rem; margin-bottom: var(--sp-3); }
.faq-item p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   CTA block — appended to every blog post and location page
   -------------------------------------------------------------------------- */

.cta-block {
  background: linear-gradient(180deg, var(--ink-800), var(--ink-900));
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: var(--sp-6);
  margin-top: var(--sp-7);
}
.cta-block h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin-bottom: var(--sp-3); }
.cta-block p { color: var(--paper-dim); margin-bottom: 0; }

/* Lead-magnet promo strip */
.magnet {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-5);
  flex-wrap: wrap;
  background: var(--ink-850);
  border: 1px solid var(--line);
  border-left: 3px solid var(--brass-400);
  border-radius: var(--r-md);
  padding: var(--sp-5);
}
.magnet h3 { margin-bottom: var(--sp-2); font-size: 1.5rem; }
.magnet p { color: var(--paper-dim); margin-bottom: 0; font-size: 0.98rem; }
.magnet .btn { flex: 0 0 auto; }

/* --------------------------------------------------------------------------
   Lending-site components
   Structure that signals "lender," not "publication": a trust strip, product
   tiles, and a numbered process. Added rather than replacing anything — the
   panel/card/gauge vocabulary above is unchanged.
   -------------------------------------------------------------------------- */

/* Full-bleed alternate band, used to break up the vertical rhythm */
.band {
  background: linear-gradient(180deg, var(--ink-950), var(--ink-900));
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  padding-block: var(--sp-8);
}

/* Trust strip — licensing and scope signals, directly under the hero */
.trust-bar {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 1px;
  background: var(--line-soft);
  border-block: 1px solid var(--line-soft);
}

.trust-item {
  background: var(--ink-900);
  padding: var(--sp-5) var(--sp-4);
  text-align: center;
}

.trust-item .trust-value {
  font-family: var(--font-mono);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--brass-300);
  line-height: 1.3;
  display: block;
}

.trust-item .trust-label {
  font-family: var(--font-mono);
  font-size: 0.63rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted-dim);
  margin-top: var(--sp-2);
  display: block;
}

/* Loan program tiles */
.program-grid {
  display: grid;
  /* 230px min keeps all four tiles on one row at container width;
     drops cleanly to 2-up and then 1-up on narrower viewports. */
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: var(--sp-4);
}

.program-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: linear-gradient(180deg, var(--ink-800), var(--ink-850));
  border: 1px solid var(--line-soft);
  border-radius: var(--r-md);
  padding: var(--sp-5);
  text-decoration: none;
  color: inherit;
  overflow: hidden;
  transition: border-color 140ms ease, transform 140ms ease;
}
.program-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 2px;
  background: linear-gradient(90deg, var(--brass-400), transparent 70%);
  opacity: 0.65;
}
.program-card:hover { border-color: var(--line-hard); transform: translateY(-2px); color: inherit; }

.program-card h3 { font-size: 1.3rem; margin: var(--sp-3) 0; }
.program-card p { color: var(--paper-dim); font-size: 0.95rem; margin-bottom: var(--sp-4); }

.program-spec {
  list-style: none;
  margin: 0 0 var(--sp-4);
  padding: 0;
  font-family: var(--font-mono);
  font-size: 0.76rem;
  color: var(--muted);
}
.program-spec li {
  padding: var(--sp-2) 0;
  border-top: 1px solid var(--line-soft);
  display: flex;
  justify-content: space-between;
  gap: var(--sp-3);
}
.program-spec li span:last-child { color: var(--brass-200); text-align: right; }

.program-card .card-foot { padding-top: 0; }

/* Numbered process steps */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--sp-5);
  counter-reset: step;
}

.step { position: relative; padding-top: var(--sp-5); border-top: 1px solid var(--line); }

.step-num {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--ink-950);
  background: var(--brass-400);
  border-radius: var(--r-sm);
  padding: 0.2rem 0.5rem;
  display: inline-block;
  margin-bottom: var(--sp-3);
}

.step h3 { font-size: 1.25rem; margin-bottom: var(--sp-2); }
.step p { color: var(--paper-dim); font-size: 0.95rem; margin-bottom: 0; }

/* Compact "who it fits" list — replaces six prose cards with a scannable grid */
.fit-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: var(--sp-4) var(--sp-6);
}

.fit-item { display: flex; gap: var(--sp-3); align-items: flex-start; }

.fit-item .fit-mark {
  flex: 0 0 auto;
  width: 6px; height: 6px;
  margin-top: 0.55rem;
  background: var(--brass-400);
  transform: rotate(45deg);
}

.fit-item h3 { font-size: 1.08rem; margin-bottom: var(--sp-1); font-family: var(--font-body); font-weight: 700; }
.fit-item p { font-size: 0.92rem; color: var(--muted); margin-bottom: 0; }

/* Section head with an action on the right */
.section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: var(--sp-5);
  flex-wrap: wrap;
  margin-bottom: var(--sp-6);
}
.section-head h2 { margin-bottom: 0; }
.section-head p { margin-bottom: 0; color: var(--paper-dim); max-width: 52ch; }

/* Hero support line — short factual chips, not marketing claims */
.hero-chips {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-2) var(--sp-4);
  margin-top: var(--sp-5);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}
.hero-chips span { display: inline-flex; align-items: center; gap: var(--sp-2); }
.hero-chips span::before { content: "—"; color: var(--brass-500); }

/* --------------------------------------------------------------------------
   Form status message — used when a form has no backend wired up yet.
   Never styled as a success state (see script.js).
   -------------------------------------------------------------------------- */

.form-status {
  margin-top: var(--sp-4);
  padding: var(--sp-4);
  border-radius: var(--r-md);
  border: 1px solid var(--signal-mid);
  background: rgba(192, 138, 42, 0.09);
  color: var(--paper);
  font-size: 0.95rem;
  line-height: 1.55;
}
.form-status[hidden] { display: none; }
.form-status strong { color: var(--brass-200); }

/* --------------------------------------------------------------------------
   Breadcrumb
   -------------------------------------------------------------------------- */

.breadcrumb {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted-dim);
  margin-bottom: var(--sp-5);
}
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--brass-300); }
.breadcrumb span { margin-inline: var(--sp-2); color: var(--ink-500); }

/* --------------------------------------------------------------------------
   Footer  (repeated verbatim on every page — compliance block must stay)
   -------------------------------------------------------------------------- */

.site-footer {
  margin-top: var(--sp-9);
  border-top: 1px solid var(--line-soft);
  background: var(--ink-950);
  padding-block: var(--sp-7) var(--sp-6);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: var(--sp-6);
  padding-bottom: var(--sp-6);
  border-bottom: 1px solid var(--line-soft);
}
@media (max-width: 780px) { .footer-grid { grid-template-columns: 1fr; gap: var(--sp-5); } }

.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--brass-400);
  margin-bottom: var(--sp-4);
}

.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: var(--sp-3); }
.footer-col a { color: var(--paper-dim); text-decoration: none; font-size: 0.95rem; }
.footer-col a:hover { color: var(--brass-300); }

.footer-blurb { color: var(--muted); font-size: 0.95rem; max-width: 38ch; }

/* "Powered by Ease Mortgage" — the sponsoring brokerage attribution.
   Sits directly under the LoanVisor wordmark in the footer. */
.powered-by {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-400);
  margin: var(--sp-2) 0 var(--sp-4);
}

/* Compliance block — NMLS, EHO, not-a-commitment, business-purpose language.
   Carry this forward verbatim in substance on every page. */
.compliance {
  padding-top: var(--sp-5);
  font-size: 0.82rem;
  line-height: 1.7;
  color: var(--muted-dim);
}
.compliance p { margin-bottom: var(--sp-3); }
.compliance p:last-child { margin-bottom: 0; }
.compliance .placeholder { font-size: 0.95em; }

.eho {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: var(--sp-3);
}
.eho svg { flex: 0 0 auto; }

/* --------------------------------------------------------------------------
   Motion layer — progressive enhancement only

   AEO-CRITICAL: every hidden state below is scoped to `html.js`, a class that
   only exists once script.js runs. A crawler that does not execute JavaScript
   sees the page fully rendered, with nothing hidden. script.js also carries a
   failsafe that reveals everything after 2.5s in case observers never fire.
   Never write a [data-reveal] rule outside the .js scope.
   -------------------------------------------------------------------------- */

.js [data-reveal] {
  opacity: 0;
  transform: translateY(14px);
  will-change: opacity, transform;
}

.js [data-reveal].is-visible {
  opacity: 1;
  transform: none;
  transition:
    opacity 640ms cubic-bezier(0.22, 1, 0.36, 1) var(--reveal-delay, 0ms),
    transform 640ms cubic-bezier(0.22, 1, 0.36, 1) var(--reveal-delay, 0ms);
}

/* Once revealed, drop the hint so long pages don't hold dozens of layers */
.js [data-reveal].is-settled { will-change: auto; }

/* Thin brass scroll indicator — reads as an instrument gauge, not a web widget */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 2px;
  width: 100%;
  transform: scaleX(0);
  transform-origin: 0 50%;
  background: linear-gradient(90deg, var(--brass-600), var(--brass-300));
  z-index: 60;
  pointer-events: none;
}

/* Restrained panel sheen. Deliberately NOT glassmorphism — a single top
   highlight consistent with the instrument-panel concept. */
.panel::after {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--line-hard) 30%, var(--line-hard) 70%, transparent);
  pointer-events: none;
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}

/* Hero parallax target — translated by script.js, desktop only */
.js .hero-parallax { will-change: transform; }

@media (prefers-reduced-motion: reduce) {
  /* Nothing hides, nothing moves. */
  .js [data-reveal] { opacity: 1; transform: none; will-change: auto; }
  .scroll-progress { display: none; }
}

@media (max-width: 900px) {
  /* No parallax on touch — it fights native scrolling. */
  .js .hero-parallax { transform: none !important; }
}

/* --------------------------------------------------------------------------
   Utilities
   -------------------------------------------------------------------------- */

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

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--brass-400);
  color: var(--ink-950);
  padding: var(--sp-3) var(--sp-4);
  font-weight: 700;
  z-index: 100;
}
.skip-link:focus { left: var(--sp-4); top: var(--sp-3); }

.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

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