/* ═══════════════════════════════════════════════════════════
   10K Funding — design system
   Tokens from Brand Guidelines v1.0. Do not restyle ad hoc.
   ═══════════════════════════════════════════════════════════ */

/* Self-hosted fonts. Drop the .woff2 files into /public/fonts/.
   Until then the fallback stack renders cleanly.
   Download: Libre Franklin + Source Serif 4 (both SIL Open Font License). */
@font-face {
  font-family: 'Libre Franklin';
  src: url('/fonts/LibreFranklin-Variable.woff2') format('woff2-variations');
  font-weight: 100 900; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Source Serif 4';
  src: url('/fonts/SourceSerif4-Italic-Variable.woff2') format('woff2-variations');
  font-weight: 200 900; font-style: italic; font-display: swap;
}

:root {
  /* Brand */
  --green:      #0B3B2E;
  --gold:       #D9A441;
  --gold-deep:  #C6912F;
  --gold-ink:   #986421;
  --parchment:  #F6F3EB;
  --ink:        #14201B;
  --moss:       #2E6B54;
  --white:      #FFFFFF;

  /* Derived */
  --ink-90: rgba(20,32,27,.9);
  --ink-78: rgba(20,32,27,.78);
  --ink-70: rgba(20,32,27,.7);
  --ink-55: rgba(20,32,27,.55);
  --rule:    rgba(20,32,27,.10);
  --rule-16: rgba(20,32,27,.16);

  /* Type */
  --display: 'Libre Franklin', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  --serif:   'Source Serif 4', Georgia, 'Times New Roman', serif;
  --mono:    ui-monospace, SFMono-Regular, Menlo, monospace;

  /* Layout */
  --wrap: 1200px;
  --gut: clamp(20px, 4vw, 36px);
  --sec: clamp(56px, 8vw, 96px);
  --r: 16px;
  --r-sm: 12px;

  /* Texture — the gold hairline pattern from the brand system */
  --hatch: repeating-linear-gradient(45deg,
            rgba(217,164,65,.04) 0px, rgba(217,164,65,.04) 1px,
            transparent 1px, transparent 32px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0;
  background: var(--parchment);
  color: var(--ink);
  font-family: var(--display);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  font-variant-numeric: tabular-nums;
}

img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--green); text-underline-offset: 3px; }
a:focus-visible, button:focus-visible, summary:focus-visible,
input:focus-visible, select:focus-visible {
  outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: var(--gut); }

.skip {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--gold); color: var(--ink); padding: 12px 20px;
  font-weight: 700; border-radius: 0 0 var(--r-sm) 0;
}
.skip:focus { left: 0; }

/* ── Logo ────────────────────────────────────────────────── */
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.logo__tile {
  width: 34px; height: 34px; flex: none; border-radius: 9px;
  background: var(--green); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 12.5px; font-weight: 800; letter-spacing: -.045em; line-height: 1;
}
.logo__tile span { color: var(--gold); }
.logo__word { font-size: 17px; font-weight: 800; letter-spacing: -.02em; color: var(--green); white-space: nowrap; }
.logo__word span { font-weight: 500; }
.logo--light .logo__word { color: var(--white); }
.logo--light .logo__tile { background: rgba(255,255,255,.1); }

/* ── Header ──────────────────────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(246,243,235,.94);
  backdrop-filter: saturate(1.4) blur(8px);
  border-bottom: 1px solid var(--rule);
}
.site-header__inner { display: flex; align-items: center; gap: 18px; min-height: 66px; }
.site-header__brand { text-decoration: none; margin-right: auto; }
.site-nav { display: flex; gap: 20px; }
.site-nav a {
  font-size: 14.5px; font-weight: 600; color: var(--ink); text-decoration: none;
  padding: 6px 0; border-bottom: 2px solid transparent;
}
.site-nav a:hover { border-bottom-color: var(--gold); }
.site-nav a[aria-current="page"] { border-bottom-color: var(--green); }
/* Mobile menu — CSS-only <details>, no JS required */
.menu { display: none; position: relative; }
.menu > summary {
  list-style: none; cursor: pointer; width: 42px; height: 42px;
  display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--rule-16); border-radius: 10px; background: var(--white);
}
.menu > summary::-webkit-details-marker { display: none; }
.menu__bars, .menu__bars::before, .menu__bars::after {
  display: block; width: 18px; height: 2px; background: var(--ink); border-radius: 2px;
}
.menu__bars { position: relative; }
.menu__bars::before, .menu__bars::after { content: ""; position: absolute; left: 0; }
.menu__bars::before { top: -6px; }
.menu__bars::after { top: 6px; }
.menu[open] .menu__bars { background: transparent; }
.menu[open] .menu__bars::before { top: 0; transform: rotate(45deg); }
.menu[open] .menu__bars::after { top: 0; transform: rotate(-45deg); }
.menu__panel {
  position: absolute; right: 0; top: calc(100% + 10px); z-index: 60;
  min-width: 224px; display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--rule-16);
  border-radius: var(--r-sm); padding: 8px; box-shadow: 0 12px 32px rgba(20,32,27,.14);
}
.menu__panel a {
  padding: 12px 14px; border-radius: 9px; text-decoration: none;
  font-size: 15.5px; font-weight: 600; color: var(--ink);
}
.menu__panel a:hover { background: var(--parchment); }
.menu__panel a[aria-current="page"] { color: var(--green); background: var(--parchment); }

@media (max-width: 880px) {
  .site-nav { display: none; }
  .menu { display: block; }
  .site-header__inner { min-height: 60px; gap: 12px; }
}
@media (max-width: 400px) {
  .site-header .btn--sm { padding: 11px 13px; font-size: 13px; }
  .logo__word { font-size: 15px; }
}

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-block; text-decoration: none; border-radius: var(--r-sm);
  font-weight: 700; line-height: 1.2; white-space: nowrap;
  transition: background .15s, transform .15s;
}
.btn--gold { background: var(--gold); color: var(--ink); }
.btn--gold:hover { background: var(--gold-deep); transform: translateY(-1px); }
.btn--sm { font-size: 14px; padding: 11px 18px; border-radius: 10px; }
.btn--lg {
  font-size: 17px; padding: 17px 34px;
  box-shadow: 0 6px 24px rgba(217,164,65,.25);
}

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  position: relative; overflow: hidden;
  background: var(--green); border-top: 4px solid var(--gold);
  background-image:
    radial-gradient(ellipse 70% 60% at 50% 0%, rgba(46,107,84,.55), rgba(11,59,46,0) 70%),
    var(--hatch);
  padding: clamp(56px, 8vw, 96px) 0 clamp(52px, 7vw, 80px);
  text-align: center;
}
.hero__ghost {
  position: absolute; right: -60px; top: 44%; transform: translateY(-50%);
  font-size: clamp(200px, 30vw, 460px); font-weight: 800; letter-spacing: -.06em;
  line-height: 1; color: rgba(255,255,255,.045); pointer-events: none; user-select: none;
}
.hero__inner { position: relative; max-width: 880px; }
.hero h1 {
  margin: 14px 0 0; color: var(--white); text-wrap: balance;
  font-size: clamp(34px, 6vw, 56px); font-weight: 800;
  letter-spacing: -.02em; line-height: 1.05;
}
.hero__sub {
  margin: 16px auto 0; max-width: 640px; color: rgba(255,255,255,.78);
  font-size: clamp(16px, 2vw, 18px); line-height: 1.6;
}
.hero .btn--lg { margin-top: 26px; }
.hero__note { margin: 14px 0 0; font-size: 13px; color: rgba(255,255,255,.62); }

.eyebrow-serif {
  margin: 0; font-family: var(--serif); font-style: italic; font-weight: 400;
  font-size: clamp(17px, 2.3vw, 21px); color: var(--gold);
}

/* ── Qualification bar ───────────────────────────────────── */
.qualbar { background: var(--ink); padding: 17px 0; }
.qualbar__inner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 8px 20px; font-size: 12.5px; font-weight: 700; letter-spacing: .13em; color: var(--parchment);
}
.qualbar span span { color: var(--gold); }
.qualbar__dot { color: rgba(217,164,65,.55); }
.qualbar__punch { color: var(--gold); }
@media (max-width: 620px) {
  .qualbar { padding: 13px 0; }
  .qualbar__inner { flex-direction: column; gap: 5px; font-size: 11.5px; letter-spacing: .1em; }
  .qualbar__dot { display: none; }
}

/* ── Sections ────────────────────────────────────────────── */
.section { padding-top: var(--sec); }
.sechead {
  display: flex; align-items: baseline; gap: 14px; flex-wrap: wrap;
  border-top: 1px solid var(--rule-16); padding-top: 18px; margin-bottom: 32px;
}
.sechead__num { font-size: 12px; font-weight: 700; letter-spacing: .16em; color: var(--gold-ink); }
.sechead__title {
  margin: 0; font-size: clamp(23px, 3vw, 30px); font-weight: 700; letter-spacing: -.01em;
}
.sechead__aside { margin-left: auto; font-size: 12.5px; color: var(--ink-55); }
@media (max-width: 640px) {
  .sechead { gap: 4px 12px; margin-bottom: 24px; }
  .sechead__num { flex: 0 0 100%; }
  .sechead__aside { margin-left: 0; flex: 0 0 100%; }
}

/* ── Crumbs ──────────────────────────────────────────────── */
.crumbs { padding-top: 22px; font-size: 13px; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 0; }
.crumbs li + li::before { content: "›"; color: var(--gold-ink); margin-right: 8px; }
.crumbs a { color: var(--ink-70); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }
.crumbs li[aria-current] { color: var(--ink-55); }

/* ── Doc / article ───────────────────────────────────────── */
.doc { padding-bottom: clamp(56px, 8vw, 88px); }
.doc--narrow { max-width: 760px; }
.doc--article { max-width: 720px; }
.doc--article .prose,
.doc--article .prose > *,
.doc--article .section > * { max-width: none; }
.doc__head { padding-top: 28px; }
.doc__head h1 {
  margin: 10px 0 0; font-size: clamp(30px, 4.6vw, 46px); font-weight: 800;
  letter-spacing: -.022em; line-height: 1.08; text-wrap: balance;
}

/* The answer capsule — the highest-value block on any page */
.capsule {
  margin-top: 22px; padding: 22px 24px;
  background: var(--white); border: 1px solid var(--rule);
  border-left: 4px solid var(--gold); border-radius: var(--r-sm);
}
.capsule p { margin: 0; font-size: 17.5px; line-height: 1.62; color: var(--ink-90); }

.byline { margin: 14px 0 0; font-size: 14px; color: var(--ink-55); }
.byline a { color: var(--green); }

/* ── Prose ───────────────────────────────────────────────── */
.prose, .section > p, .section > ul, .section > ol,
.section > .table-wrap, .section > blockquote, .section > h2, .section > h3 { max-width: 72ch; }
.prose > * + * { margin-top: 1.1em; }
.prose h2, .section h2 {
  margin-top: 2em; font-size: clamp(21px, 2.6vw, 26px); font-weight: 700;
  letter-spacing: -.01em; line-height: 1.25; scroll-margin-top: 90px;
}
.prose h3, .section h3 {
  margin-top: 1.7em; font-size: 18.5px; font-weight: 700; scroll-margin-top: 90px;
}
.prose p, .section p { color: var(--ink-78); }
.prose strong, .section strong { color: var(--ink); font-weight: 700; }
.prose ul, .prose ol, .section ul, .section ol { padding-left: 1.15em; }
.prose li, .section li { color: var(--ink-78); margin-top: .45em; }
.prose li::marker { color: var(--gold-ink); }
.prose hr { border: 0; border-top: 1px solid var(--rule-16); margin: 2.4em 0; }
.prose blockquote, .section blockquote {
  margin: 1.4em 0; padding: 4px 0 4px 20px; border-left: 3px solid var(--gold);
  font-family: var(--serif); font-style: italic; font-size: 18px; color: var(--ink-70);
}
code { font-family: var(--mono); font-size: .88em; background: rgba(20,32,27,.06); padding: 2px 6px; border-radius: 5px; }
.inline-link { font-weight: 600; }

/* ── Tables ──────────────────────────────────────────────── */
.table-wrap { overflow-x: auto; margin-top: 1.2em; -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: 15.5px; background: var(--white); border-radius: var(--r-sm); overflow: hidden; }
th, td { text-align: left; padding: 13px 16px; border-bottom: 1px solid var(--rule); vertical-align: top; }
thead th {
  background: var(--green); color: var(--white);
  font-size: 12px; font-weight: 700; letter-spacing: .09em; text-transform: uppercase;
}
tbody tr:last-child td { border-bottom: 0; }
tbody tr:nth-child(even) { background: rgba(246,243,235,.6); }
td { color: var(--ink-78); }

/* ── Cards ───────────────────────────────────────────────── */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(258px, 1fr)); gap: 20px; }
.cards--2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.card {
  position: relative; display: block; text-decoration: none;
  background: var(--white); border: 1px solid var(--rule); border-radius: var(--r);
  padding: 24px 24px 28px; transition: transform .2s, border-color .2s;
}
.card:hover { transform: translateY(-3px); border-color: rgba(11,59,46,.4); }
.card__kicker { font-size: 11.5px; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; color: var(--gold-ink); }
.card__title { margin: 8px 0 0; font-size: 19px; font-weight: 700; color: var(--ink); letter-spacing: -.01em; }
.card__body { margin: 8px 0 0; font-size: 15.5px; line-height: 1.55; color: var(--ink-70); }
.card__go { position: absolute; right: 22px; bottom: 20px; color: var(--gold-ink); font-weight: 700; }

/* ── Steps ───────────────────────────────────────────────── */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; }
.step { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 24px 24px 28px; }
.step__num { font-size: 42px; font-weight: 800; letter-spacing: -.03em; line-height: 1; color: var(--gold); }
.step h3 { margin: 14px 0 0; font-size: 19px; font-weight: 700; }
.step__time { font-size: 11.5px; font-weight: 600; letter-spacing: .09em; color: var(--ink-55); margin-left: 6px; }
.step p { margin: 8px 0 0; font-size: 15.5px; line-height: 1.58; color: var(--ink-78); }

/* ── Pills ───────────────────────────────────────────────── */
.pills { display: grid; grid-template-columns: repeat(auto-fit, minmax(178px, 1fr)); gap: 11px; }
.pills--plain { grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); }
.pill {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  background: var(--white); border: 1px solid var(--rule); border-radius: var(--r-sm);
  padding: 15px 16px; min-height: 46px; text-decoration: none;
  font-size: 15px; font-weight: 600; color: var(--ink);
  transition: border-color .15s, transform .15s;
}
.pill:hover { border-color: var(--green); transform: translateY(-2px); }
.pill span { color: var(--gold-ink); font-weight: 700; }
.pill--static { color: var(--ink-70); font-weight: 500; cursor: default; }
.pill--static:hover { transform: none; border-color: var(--rule); }

/* ── Split (fit / anti-fit) ──────────────────────────────── */
.split { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
.split__col { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 24px; }
.split__col h3 { margin: 0 0 4px; font-size: 17px; }
.split__col ul { margin: 10px 0 0; padding-left: 1.1em; }
.split__col li { font-size: 15.5px; }
.split__col--yes { border-top: 3px solid var(--moss); }
.split__col--yes li::marker { color: var(--moss); }
.split__col--no { border-top: 3px solid var(--gold-ink); }
.split__col--no li::marker { color: var(--gold-ink); }

/* ── Factbox ─────────────────────────────────────────────── */
.factbox { margin-top: 26px; background: var(--green); border-radius: var(--r); padding: 8px 26px; background-image: var(--hatch); }
.factbox dl { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 0; margin: 0; }
.factbox dl > div { padding: 17px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.factbox dt { font-size: 11.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: rgba(217,164,65,.9); }
.factbox dd { margin: 5px 0 0; font-size: 16px; font-weight: 600; color: var(--white); }

/* ── Scenario ────────────────────────────────────────────── */
.scenario {
  background: var(--white); border: 1px solid var(--rule); border-radius: var(--r);
  padding: 26px 26px 28px; border-top: 3px solid var(--green);
}
.scenario__tag {
  display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: .13em;
  text-transform: uppercase; color: var(--gold-ink); margin-bottom: 12px;
}
.scenario p:first-of-type { margin-top: 0; }
.scenario > * + * { margin-top: 1em; }

.fineprint { margin-top: 14px; font-size: 12.5px; line-height: 1.55; color: var(--ink-55); max-width: 72ch; }
.disclosure {
  margin-top: 34px; padding-top: 18px; border-top: 1px solid var(--rule-16);
  font-size: 12.5px; line-height: 1.6; color: var(--ink-55);
}

/* ── TOC ─────────────────────────────────────────────────── */
.toc { margin-top: 30px; background: var(--white); border: 1px solid var(--rule); border-radius: var(--r-sm); padding: 20px 24px; }
.toc__label { margin: 0 0 8px; font-size: 11.5px; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; color: var(--gold-ink); }
.toc ol { margin: 0; padding: 0; list-style: none; }
.toc li { font-size: 15px; margin-top: .4em; padding-left: 14px; position: relative; }
.toc li::before { content: ""; position: absolute; left: 0; top: .62em; width: 6px; height: 1px; background: var(--gold-ink); }
.toc a { color: var(--ink-78); text-decoration: none; }
.toc a:hover { color: var(--green); text-decoration: underline; }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq__list { max-width: 800px; background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; }
.faq__item { border-bottom: 1px solid var(--rule); }
.faq__item:last-child { border-bottom: 0; }
.faq__item summary {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 20px 24px; cursor: pointer; list-style: none;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary h3 { margin: 0; font-size: 17px; font-weight: 700; }
.faq__mark { position: relative; width: 14px; height: 14px; flex: none; }
.faq__mark::before, .faq__mark::after {
  content: ""; position: absolute; background: var(--gold-ink);
  left: 0; top: 6px; width: 14px; height: 2px; transition: transform .2s;
}
.faq__mark::after { transform: rotate(90deg); }
.faq__item[open] .faq__mark::after { transform: rotate(0deg); }
.faq__body { padding: 0 24px 22px; }
.faq__body p { margin: 0; font-size: 16px; line-height: 1.62; color: var(--ink-78); max-width: 68ch; }

/* ── Author box ──────────────────────────────────────────── */
.authorbox {
  display: flex; gap: 18px; margin-top: 42px; padding: 24px;
  background: var(--white); border: 1px solid var(--rule); border-radius: var(--r);
  border-top: 3px solid var(--gold);
}
.authorbox__avatar {
  width: 54px; height: 54px; flex: none; border-radius: 50%;
  background: var(--green); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 800; letter-spacing: -.02em;
}
.authorbox__name { margin: 0; font-size: 16.5px; font-weight: 700; }
.authorbox__role { margin: 2px 0 0; font-size: 13.5px; color: var(--gold-ink); font-weight: 600; }
.authorbox__bio { margin: 9px 0 0; font-size: 14.5px; line-height: 1.58; color: var(--ink-70); }
.authorbox__review { margin: 9px 0 0; font-size: 12.5px; color: var(--ink-55); }

/* ── Post list ───────────────────────────────────────────── */
.postlist { display: grid; gap: 14px; }
.postcard {
  display: block; text-decoration: none; background: var(--white);
  border: 1px solid var(--rule); border-radius: var(--r); padding: 22px 24px;
  border-left: 3px solid transparent; transition: border-color .18s, transform .18s;
}
.postcard:hover { border-left-color: var(--gold); transform: translateX(3px); }
.postcard__meta { font-size: 11.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-ink); }
.postcard h3 { margin: 7px 0 0; font-size: 20px; font-weight: 700; color: var(--ink); letter-spacing: -.01em; }
.postcard p { margin: 6px 0 0; font-size: 15.5px; line-height: 1.55; color: var(--ink-70); max-width: 70ch; }

/* ── Calculator ──────────────────────────────────────────── */
.calc {
  display: grid; grid-template-columns: minmax(260px, 1fr) minmax(280px, 1.05fr);
  gap: 0; margin-top: 28px; border-radius: var(--r); overflow: hidden;
  border: 1px solid var(--rule);
}
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } }
.calc__inputs { background: var(--white); padding: 26px; display: grid; gap: 18px; align-content: start; }
.field { display: block; }
.field__label { display: block; font-size: 12.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-55); margin-bottom: 7px; }
.field__wrap {
  display: flex; align-items: center; gap: 6px;
  border: 1px solid var(--rule-16); border-radius: 10px; padding: 0 14px; background: var(--parchment);
}
.field__wrap:focus-within { border-color: var(--green); }
.field__prefix, .field__suffix { font-size: 15px; font-weight: 600; color: var(--ink-55); }
.field input, .field select {
  flex: 1; width: 100%; border: 0; background: transparent; padding: 13px 0;
  font-family: var(--display); font-size: 18px; font-weight: 700; color: var(--ink);
  font-variant-numeric: tabular-nums; min-width: 0;
}
.field input:focus, .field select:focus { outline: none; }
.field select { font-size: 15.5px; font-weight: 600; cursor: pointer; }
.field__hint { display: block; margin-top: 6px; font-size: 12px; color: var(--ink-55); }

.calc__out { background: var(--green); background-image: var(--hatch); padding: 26px; color: var(--white); }
.calc__hero { padding-bottom: 18px; border-bottom: 1px solid rgba(255,255,255,.14); }
.calc__herolabel { display: block; font-size: 11.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(217,164,65,.9); }
.calc__heroval { display: block; margin-top: 4px; font-size: clamp(38px, 6vw, 52px); font-weight: 800; letter-spacing: -.03em; line-height: 1; color: var(--white); }
.calc__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 0; margin: 0; }
.calc__grid > div { padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.calc__grid dt { font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.55); }
.calc__grid dd { margin: 4px 0 0; font-size: 20px; font-weight: 700; color: var(--white); }
.calc__flag { margin: 14px 0 0; font-size: 13.5px; line-height: 1.5; font-weight: 600; color: var(--gold); }
.calc__out .fineprint { color: rgba(255,255,255,.5); margin-top: 16px; }

/* ── Apply slot ──────────────────────────────────────────── */
.applyslot { margin-top: 28px; background: var(--white); border: 1px dashed var(--rule-16); border-radius: var(--r); padding: 26px; }
.applyslot__note { margin: 0; font-size: 14px; color: var(--ink-55); }

/* ── CTA band ────────────────────────────────────────────── */
.cta {
  background: var(--green); background-image: var(--hatch);
  border-top: 4px solid var(--gold); margin-top: var(--sec);
  padding: clamp(52px, 7vw, 82px) 0;
}
.cta__inner { text-align: center; max-width: 720px; }
.cta h2 { margin: 12px 0 0; font-size: clamp(26px, 3.6vw, 38px); font-weight: 800; letter-spacing: -.02em; color: var(--white); text-wrap: balance; }
.cta__sub { margin: 12px auto 0; max-width: 520px; font-size: 17px; color: rgba(255,255,255,.75); }
.cta .btn--lg { margin-top: 24px; }
.cta__note { margin: 14px 0 0; font-size: 13px; color: rgba(255,255,255,.55); }

/* ── Footer ──────────────────────────────────────────────── */
.site-footer { border-top: 1px solid var(--rule-16); background: var(--parchment); padding: 44px 0 40px; }
.site-footer__top { display: grid; grid-template-columns: minmax(240px, 1fr) minmax(300px, 1.6fr); gap: 34px; }
@media (max-width: 820px) { .site-footer__top { grid-template-columns: 1fr; } }
.site-footer__disc { margin: 16px 0 0; max-width: 46ch; font-size: 13px; line-height: 1.62; color: var(--ink-70); }
.site-footer__contact { margin: 10px 0 0; font-size: 13px; }
.site-footer__contact a { color: var(--green); }
.site-footer__cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 26px; }
.site-footer__cols h3 { margin: 0 0 10px; font-size: 11.5px; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; color: var(--gold-ink); }
.site-footer__cols ul { list-style: none; margin: 0; padding: 0; }
.site-footer__cols li { margin-top: 7px; }
.site-footer__cols a { font-size: 14px; color: var(--ink-70); text-decoration: none; }
.site-footer__cols a:hover { color: var(--green); text-decoration: underline; }
.site-footer__legal {
  display: flex; flex-wrap: wrap; gap: 8px 20px; align-items: center;
  margin-top: 32px; padding-top: 18px; border-top: 1px solid var(--rule);
  font-size: 13px;
}
.site-footer__legal a { color: var(--ink-70); text-decoration: none; }
.site-footer__legal a:hover { text-decoration: underline; }
.site-footer__copy { margin-left: auto; color: var(--ink-55); }

@media print {
  .site-header, .cta, .site-footer__cols, .btn { display: none; }
  body { background: #fff; font-size: 12pt; }
}

/* ═══════════════════════════════════════════════════════════
   Application funnel
   ═══════════════════════════════════════════════════════════ */
.apply { margin-top: 28px; }

.apply__progress {
  display: flex; gap: 8px; list-style: none; margin: 0 0 22px; padding: 0;
  counter-reset: step;
}
.apply__progress li {
  flex: 1; display: flex; align-items: center; gap: 9px;
  font-size: 12.5px; font-weight: 700; letter-spacing: .04em;
  color: var(--ink-55); padding-top: 12px; border-top: 3px solid var(--rule-16);
  transition: color .2s, border-color .2s;
}
.apply__progress li span {
  width: 22px; height: 22px; flex: none; border-radius: 50%;
  background: var(--rule-16); color: var(--ink-55);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 800;
}
.apply__progress li.is-on { color: var(--ink); border-top-color: var(--gold); }
.apply__progress li.is-on span { background: var(--green); color: var(--white); }
@media (max-width: 620px) {
  .apply__progress li { font-size: 0; gap: 0; justify-content: center; }
  .apply__progress li span { font-size: 12px; }
}

/* Author `display` beats the UA [hidden] rule — this guard is load-bearing */
[hidden] { display: none !important; }

.apply__step {
  border: 1px solid var(--rule); border-radius: var(--r);
  background: var(--white); padding: 28px; margin: 0;
  display: grid; gap: 20px;
}
.apply__legend {
  font-size: clamp(20px, 2.6vw, 25px); font-weight: 800; letter-spacing: -.015em;
  padding: 0; margin-bottom: 2px; float: left; width: 100%;
}
.apply__legend:focus { outline: none; }

.fieldwrap { display: grid; }
.fieldwrap .field__label { margin-bottom: 7px; }
.field__opt { font-weight: 500; letter-spacing: 0; text-transform: none; color: var(--ink-55); }
.fieldwrap .field__wrap { background: var(--parchment); }
.fieldwrap input, .fieldwrap select {
  width: 100%; border: 0; background: transparent; padding: 14px 0;
  font-family: var(--display); font-size: 16.5px; font-weight: 600; color: var(--ink);
}
.fieldwrap input::placeholder { color: var(--ink-55); font-weight: 400; }
.fieldwrap select { cursor: pointer; }
.fieldwrap input:focus, .fieldwrap select:focus { outline: none; }
.field__err { display: none; margin-top: 6px; font-size: 13.5px; font-weight: 600; color: #9B2C1F; }
.fieldwrap.is-error .field__wrap { border-color: #9B2C1F; background: #FDF6F4; }
.fieldwrap.is-error .field__err { display: block; }

.split2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 520px) { .split2 { grid-template-columns: 1fr; } }

.radios { display: flex; gap: 10px; }
.radio {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 8px;
  border: 1px solid var(--rule-16); border-radius: 10px; padding: 14px;
  background: var(--parchment); cursor: pointer; font-weight: 700; font-size: 15.5px;
}
.radio:has(input:checked) { border-color: var(--green); background: var(--white); box-shadow: inset 0 0 0 1px var(--green); }
.radio input { accent-color: var(--green); width: 18px; height: 18px; }

.check { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.check input { margin-top: 3px; width: 19px; height: 19px; flex: none; accent-color: var(--green); }
.check span { font-size: 13.5px; line-height: 1.55; color: var(--ink-78); }
.consent { padding: 18px; border: 1px solid var(--rule-16); border-radius: var(--r-sm); background: var(--parchment); }
.consent--optional { background: transparent; border-style: dashed; }
.consent.is-error { border-color: #9B2C1F; background: #FDF6F4; }

.apply__nav { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
.btn--ghost { background: transparent; color: var(--ink-70); border: 1px solid var(--rule-16); padding: 15px 22px; font-size: 15px; }
.btn--ghost:hover { border-color: var(--green); color: var(--green); }
.apply__nav .btn--lg { margin-left: auto; }
@media (max-width: 520px) { .apply__nav .btn--lg { margin-left: 0; width: 100%; text-align: center; } }
.apply__fine { margin: 0; font-size: 12.5px; line-height: 1.55; color: var(--ink-55); }

/* Match estimate */
.estimate { background: var(--green); background-image: var(--hatch); border-radius: var(--r-sm); padding: 24px; }
.estimate__label { margin: 0; font-size: 11.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.estimate__headline { margin: 8px 0 0; font-size: clamp(19px, 2.6vw, 24px); font-weight: 700; line-height: 1.3; color: var(--white); }
.estimate__headline strong { color: var(--gold); }
.estimate__range { margin: 10px 0 0; font-size: 16.5px; color: rgba(255,255,255,.85); }
.estimate__range strong { color: var(--white); font-weight: 800; }
.estimate__note { margin: 12px 0 0; font-size: 13.5px; line-height: 1.55; color: rgba(255,255,255,.75); }
.estimate__fine { margin: 14px 0 0; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.15);
  font-size: 12.5px; line-height: 1.55; color: rgba(255,255,255,.55); }
.estimate--below { background: var(--white); background-image: none; border: 1px solid var(--rule); border-left: 4px solid var(--gold); }
.estimate--below .estimate__label { color: var(--gold-ink); }
.estimate__body { margin: 8px 0 0; font-size: 15.5px; line-height: 1.6; color: var(--ink-78); }
.estimate__body a { color: var(--green); font-weight: 600; }

/* Result panels */
.result { border-radius: var(--r); padding: 30px; border: 1px solid var(--rule); background: var(--white); }
.result:focus { outline: none; }
.result h2 { margin: 0 0 12px; font-size: clamp(22px, 3vw, 28px); font-weight: 800; letter-spacing: -.015em; }
.result p { margin: 0 0 12px; font-size: 16px; line-height: 1.62; color: var(--ink-78); max-width: 64ch; }
.result p:last-child { margin-bottom: 0; }
.result--ok { border-top: 4px solid var(--moss); }
.result--warn { border-top: 4px solid var(--gold); }
.result__fine { font-size: 13px !important; color: var(--ink-55) !important; }
.result__code { font-family: var(--mono); font-size: 12px; opacity: .7; }