/* ════════════════════════════════════════════════════════════════
   First Nation Fidelity — sections.css
   Section-specific composition. Owns layout + visual treatment.
   Reads tokens from tokens.css. Reads primitives from base.css.
   ════════════════════════════════════════════════════════════════ */

/* ════════════════════════════════════════════════════════════════
   NAV — fixed, transparent over hero, fills with ink on scroll
   ════════════════════════════════════════════════════════════════ */

.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: var(--z-nav);
  padding: var(--s-5) 0;
  transition: background-color var(--d-base) var(--ease-silk),
              backdrop-filter var(--d-base) var(--ease-silk),
              padding var(--d-base) var(--ease-silk),
              border-bottom-color var(--d-base) var(--ease-silk);
  border-bottom: 1px solid transparent;
}
.nav.is-scrolled {
  padding: var(--s-3) 0;
  background: var(--glass-ink);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-bottom-color: var(--ink-line);
}

.nav-inner {
  display: flex;
  align-items: center;
  gap: var(--s-7);
}

/* Brand mark — squared monogram + wordmark */
.brand {
  display: inline-flex;
  align-items: center;
  gap: var(--s-3);
  color: var(--on-ink);
  margin-right: auto;       /* push nav-links + cta to the right */
  min-width: 0;             /* allow flex parent to shrink the brand text */
}
.brand-mark {
  flex-shrink: 0;
  display: grid;
  place-items: center;
  width: 36px; height: 36px;
  background: var(--brass);
  color: var(--ink);
  border-radius: var(--r-xs);
  font-family: var(--display);
  font-size: 22px;
  line-height: 1;
  font-weight: 400;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  min-width: 0;
}
.brand-name {
  font-family: var(--body);
  font-size: var(--t-body);
  font-weight: 500;
  letter-spacing: var(--tr-snug);
  white-space: nowrap;       /* never wrap, ever */
}
.brand-sub {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-mute);
  margin-top: 2px;
  white-space: nowrap;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--s-7);
}
.nav-links a {
  font-family: var(--body);
  font-size: var(--t-body-sm);
  font-weight: 400;
  color: var(--on-ink-dim);
  transition: color var(--d-fast) var(--ease-silk);
}
.nav-links a:hover { color: var(--on-ink); }

.nav-lang {
  display: inline-flex;
  align-items: center;
  gap: var(--s-2);
  padding: 8px 12px;
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-dim);
  border: 1px solid var(--ink-line);
  border-radius: var(--r-sm);
  transition: color var(--d-fast) var(--ease-silk),
              border-color var(--d-fast) var(--ease-silk);
}
.nav-lang:hover {
  color: var(--brass);
  border-color: var(--brass-line);
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: var(--s-2);
  padding: 12px 22px;
  font-family: var(--body);
  font-size: var(--t-body-sm);
  font-weight: 500;
  letter-spacing: var(--tr-wide);
  color: var(--ink);
  background: var(--brass);
  border-radius: var(--r-sm);
  transition: background-color var(--d-fast) var(--ease-silk),
              transform var(--d-ui) var(--ease-silk);
}
.nav-cta:hover { background: var(--brass-bright); }
.nav-cta:active { transform: scale(0.98); }

/* Mobile menu toggle (hidden on desktop) */
.menu-toggle {
  display: none;
  width: 40px; height: 40px;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  border-radius: var(--r-sm);
}
.menu-toggle span {
  display: block;
  width: 22px; height: 1.5px;
  background: var(--on-ink);
  transition: transform var(--d-fast) var(--ease-silk),
              opacity var(--d-fast) var(--ease-silk);
}

@media (max-width: 960px) {
  .nav-links, .nav-lang { display: none; }
  .menu-toggle { display: flex; }
}

/* Tighter nav for mid mobile — keep wordmark, drop sub-label */
@media (max-width: 520px) {
  .brand-sub { display: none; }
  .nav-inner { gap: var(--s-3); }
  .nav-cta { padding: 10px 16px; font-size: var(--t-body-xs); }
}

/* Very small phones — drop the wordmark, keep just the F monogram */
@media (max-width: 420px) {
  .brand-text { display: none; }
}

/* ════════════════════════════════════════════════════════════════
   HERO — editorial split, asymmetric
   ════════════════════════════════════════════════════════════════ */

.hero {
  position: relative;
  min-height: 100vh;
  background: var(--ink);
  color: var(--on-ink);
  padding-top: 120px;        /* clears the fixed nav */
  padding-bottom: var(--s-9);
  overflow: hidden;
  isolation: isolate;        /* contain the bg layers */
}

/* Atmosphere — layered radial gradients (NEVER a single linear) */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 22% 18%, rgba(176, 138, 79, 0.08) 0%, transparent 60%),
    radial-gradient(ellipse 60% 80% at 88% 75%, rgba(36, 48, 74, 0.6) 0%, transparent 65%);
  z-index: 0;
}
/* Subtle film grain — adds tactile depth */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 0.95 0 0 0 0 0.85 0 0 0 0.4 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  opacity: 0.03;
  mix-blend-mode: overlay;
  z-index: 0;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: var(--s-10);
  align-items: end;
  min-height: calc(100vh - 120px - var(--s-9));
}

/* Hero left — text column */
.hero-text {
  display: flex;
  flex-direction: column;
  gap: var(--s-7);
  max-width: 720px;
}

.hero-eyebrow {
  /* eyebrow defined in base.css; spacing here only */
  margin-bottom: var(--s-4);
}

.hero-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h1);
  line-height: var(--lh-display);
  letter-spacing: var(--tr-tight);
  color: var(--on-ink);
  text-wrap: balance;
}
.hero-title em {
  font-style: italic;
  color: var(--brass-bright);
}

.hero-sub {
  font-family: var(--body);
  font-size: var(--t-body-xl);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
  max-width: 56ch;
  text-wrap: pretty;
}

.hero-actions {
  display: flex;
  gap: var(--s-4);
  flex-wrap: wrap;
  align-items: center;
}

/* Hero right — image / portrait */
.hero-figure {
  position: relative;
  align-self: stretch;
  display: flex;
  align-items: end;
}
.hero-figure-frame {
  position: relative;
  width: 100%;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: var(--r-xs);
  background: var(--ink-1);
}
.hero-figure-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: contrast(1.05) saturate(0.85);
}
/* Image treatment: warm vignette + bottom fade to merge with section */
.hero-figure-frame::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, transparent 60%, rgba(10, 15, 28, 0.6) 100%),
    radial-gradient(ellipse 60% 80% at 50% 50%, transparent 30%, rgba(10, 15, 28, 0.35) 100%);
}
/* Caption — small mono label tucked under the image */
.hero-figure-caption {
  position: absolute;
  bottom: var(--s-5);
  left: var(--s-5);
  right: var(--s-5);
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: rgba(244, 239, 229, 0.72);
  z-index: 1;
}
.hero-figure-caption::before {
  content: '— ';
  color: var(--brass);
}

/* Hero bottom — stats strip below the fold of the hero */
.hero-stats-row {
  position: relative;
  z-index: 1;
  margin-top: var(--s-10);
  padding-top: var(--s-7);
  border-top: 1px solid var(--ink-line);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--s-7);
}

/* Mobile / tablet hero */
@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: var(--s-8);
    align-items: start;
    min-height: auto;
  }
  .hero-figure {
    order: 2;
  }
  .hero-text {
    order: 1;
  }
  .hero-figure-frame {
    aspect-ratio: 16 / 10;
  }
  .hero-stats-row {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--s-6);
  }
}
@media (max-width: 600px) {
  .hero {
    padding-top: 96px;
  }
  .hero-stats-row {
    grid-template-columns: 1fr;
    gap: var(--s-5);
  }
}

/* ════════════════════════════════════════════════════════════════
   SECTION HEAD — eyebrow + section h2 with hairline rule above.
   Reusable header for non-hero sections.
   ════════════════════════════════════════════════════════════════ */

.section-head {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: var(--s-8);
  align-items: end;
  padding-top: var(--s-8);
  border-top: 1px solid var(--ink-line);
  margin-bottom: var(--s-10);
}
.page-paper .section-head { border-top-color: rgba(17, 25, 42, 0.14); }
.section-head-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h2);
  line-height: var(--lh-tight);
  letter-spacing: var(--tr-snug);
  text-wrap: balance;
}
.section-head-title em { font-style: italic; color: var(--brass-bright); }
.page-paper .section-head-title em { color: var(--brass-deep); }

@media (max-width: 900px) {
  .section-head {
    grid-template-columns: 1fr;
    gap: var(--s-5);
    align-items: start;
    margin-bottom: var(--s-8);
  }
}

/* ════════════════════════════════════════════════════════════════
   CAPABILITIES — three numbered chapter rows.
   No cards. No icons. Number + title + lede + meta + arrow.
   ════════════════════════════════════════════════════════════════ */

.capabilities {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
}
.cap-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 4fr) minmax(0, 3fr) auto;
  gap: var(--s-7);
  align-items: start;
  padding: var(--s-9) 0;
  border-top: 1px solid var(--ink-line);
  text-decoration: none;
  color: inherit;
  position: relative;
  transition: background-color var(--d-base) var(--ease-silk);
}
.cap-row:last-child { border-bottom: 1px solid var(--ink-line); }
.cap-row:hover { background: rgba(176, 138, 79, 0.04); }
.cap-row::before {
  content: '';
  position: absolute;
  left: 0; top: -1px;
  height: 1px;
  width: 0;
  background: var(--brass);
  transition: width var(--d-base) var(--ease-out);
}
.cap-row:hover::before { width: 100%; }
.cap-num {
  font-family: var(--mono);
  font-size: var(--t-mono);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  color: var(--brass);
  padding-top: 4px;
}
.cap-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h3);
  line-height: var(--lh-snug);
  letter-spacing: var(--tr-snug);
}
.cap-title em { font-style: italic; color: var(--brass-bright); }
.cap-content {
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
}
.cap-body {
  font-family: var(--body);
  font-size: var(--t-body-lg);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
  text-wrap: pretty;
  max-width: 50ch;
}
.cap-meta {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-mute);
  padding-top: var(--s-3);
  border-top: 1px solid var(--ink-line);
  max-width: 60ch;
}
.cap-arrow {
  font-family: var(--display);
  font-size: 24px;
  color: var(--brass);
  align-self: center;
  transition: transform var(--d-fast) var(--ease-spring);
}
.cap-row:hover .cap-arrow { transform: translateX(8px); }
@media (max-width: 1100px) {
  .cap-row {
    grid-template-columns: minmax(0, auto) minmax(0, 1fr) auto;
    grid-template-areas:
      "num title arrow"
      "num content arrow";
    gap: var(--s-3) var(--s-6);
    padding: var(--s-8) 0;
  }
  .cap-num { grid-area: num; }
  .cap-title { grid-area: title; }
  .cap-content { grid-area: content; }
  .cap-arrow { grid-area: arrow; }
}
@media (max-width: 600px) {
  .cap-row {
    grid-template-columns: 1fr auto;
    grid-template-areas:
      "num arrow"
      "title arrow"
      "content content";
    gap: var(--s-4);
  }
  .cap-arrow { align-self: start; }
}

/* ════════════════════════════════════════════════════════════════
   APPROACH — single editorial pull-quote moment, on ink
   ════════════════════════════════════════════════════════════════ */

.approach {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
}
.approach-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: var(--s-10);
  align-items: start;
  padding-top: var(--s-8);
  border-top: 1px solid var(--ink-line);
}
.approach-quote {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h2);
  line-height: var(--lh-tight);
  letter-spacing: var(--tr-tight);
  color: var(--on-ink);
  text-wrap: balance;
}
.approach-quote em { font-style: italic; color: var(--brass-bright); }
.approach-body {
  display: flex;
  flex-direction: column;
  gap: var(--s-6);
}
.approach-body p {
  font-family: var(--body);
  font-size: var(--t-body-lg);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
  text-wrap: pretty;
  max-width: 60ch;
}
.approach-body p strong { color: var(--on-ink); font-weight: 500; }
@media (max-width: 900px) {
  .approach-grid { grid-template-columns: 1fr; gap: var(--s-7); }
}

/* ════════════════════════════════════════════════════════════════
   PROCESS — 4-step hairline timeline. The hairline IS the timeline.
   ════════════════════════════════════════════════════════════════ */

.process {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--s-7);
}
.process-step { display: flex; flex-direction: column; gap: var(--s-4); }
.process-step-num {
  font-family: var(--mono);
  font-size: var(--t-mono);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  color: var(--brass);
  padding-bottom: var(--s-4);
  border-bottom: 1px solid var(--brass-line);
}
.process-step-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h4);
  line-height: var(--lh-snug);
  letter-spacing: var(--tr-snug);
}
.process-step-body {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
}
@media (max-width: 900px) {
  .process-grid { grid-template-columns: repeat(2, 1fr); gap: var(--s-6); }
}
@media (max-width: 520px) {
  .process-grid { grid-template-columns: 1fr; gap: var(--s-5); }
}

/* ════════════════════════════════════════════════════════════════
   CAPITAL — investor product table
   ════════════════════════════════════════════════════════════════ */

.capital {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
}
.capital-table {
  width: 100%;
  border-collapse: collapse;
  table-layout: fixed;
}
.capital-table thead th {
  text-align: left;
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-mute);
  padding: 0 var(--s-5) var(--s-4) 0;
  border-bottom: 1px solid var(--ink-line);
}
.capital-table thead th:last-child { padding-right: 0; }
.capital-table tbody td {
  padding: var(--s-6) var(--s-5) var(--s-6) 0;
  border-bottom: 1px solid var(--ink-line);
  vertical-align: top;
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
}
.capital-table tbody td:last-child { padding-right: 0; }
.capital-table tbody tr:last-child td { border-bottom: 0; }
.capital-product {
  font-family: var(--display);
  font-size: var(--t-h5);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
  color: var(--on-ink);
  display: block;
  margin-bottom: var(--s-2);
}
.capital-product-desc {
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-ink-mute);
}
.capital-table tbody td.capital-num {
  font-family: var(--mono);
  font-size: var(--t-body);
  color: var(--brass-bright);
  font-feature-settings: 'tnum' 1;
}
@media (max-width: 900px) {
  .capital-table thead { display: none; }
  .capital-table, .capital-table tbody, .capital-table tr,
  .capital-table th, .capital-table td { display: block; width: 100%; }
  .capital-table tbody tr {
    padding: var(--s-7) 0;
    border-bottom: 1px solid var(--ink-line);
  }
  .capital-table tbody tr:first-child { border-top: 1px solid var(--ink-line); }
  .capital-table tbody td {
    border-bottom: 0;
    padding: var(--s-2) 0;
    display: grid;
    grid-template-columns: 100px 1fr;
    gap: var(--s-4);
    align-items: baseline;
  }
  .capital-table tbody td::before {
    content: attr(data-label);
    font-family: var(--mono);
    font-size: var(--t-mono-xs);
    font-weight: 500;
    letter-spacing: var(--tr-wider);
    text-transform: uppercase;
    color: var(--on-ink-mute);
  }
  .capital-table tbody td:first-child::before { display: none; }
  .capital-table tbody td:first-child { display: block; }
}

/* ════════════════════════════════════════════════════════════════
   TESTIMONIAL — single pull quote on parchment (relief moment)
   ════════════════════════════════════════════════════════════════ */

.testimonial {
  background: var(--paper);
  color: var(--on-paper);
  padding-block: var(--sec-pad);
}
.testimonial-eyebrow { margin-bottom: var(--s-7); }
.testimonial-quote {
  font-family: var(--display);
  font-weight: 300;
  font-size: clamp(36px, 4.4vw, 64px);
  line-height: 1.18;
  letter-spacing: var(--tr-snug);
  color: var(--on-paper);
  text-wrap: balance;
  max-width: 24ch;
  position: relative;
}
.testimonial-quote::before {
  content: '\201C';
  position: absolute;
  left: -0.5em;
  top: -0.05em;
  color: var(--brass-deep);
  font-style: italic;
}
.testimonial-quote em { font-style: italic; color: var(--brass-deep); }
.testimonial-attribution {
  margin-top: var(--s-7);
  display: flex;
  align-items: baseline;
  gap: var(--s-3);
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper-dim);
}
.testimonial-attribution::before {
  content: '\2014';
  color: var(--brass-deep);
  font-family: var(--display);
  font-size: var(--t-body);
}
.testimonial-attribution strong { color: var(--on-paper); font-weight: 500; }
@media (max-width: 900px) {
  .testimonial-quote { max-width: 22ch; padding-left: var(--s-3); }
  .testimonial-quote::before { left: -0.1em; }
}

/* ════════════════════════════════════════════════════════════════
   SPEED — comparison table on ink
   ════════════════════════════════════════════════════════════════ */

.speed {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
}
.speed-table {
  width: 100%;
  border-collapse: collapse;
  table-layout: fixed;
}
.speed-table thead th {
  text-align: left;
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-mute);
  padding: 0 var(--s-5) var(--s-5) 0;
  border-bottom: 1px solid var(--ink-line);
}
.speed-table thead th:last-child { padding-right: 0; }
.speed-table thead th.is-fnf { color: var(--brass); }
.speed-table tbody td {
  padding: var(--s-6) var(--s-5) var(--s-6) 0;
  border-bottom: 1px solid var(--ink-line);
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-dim);
  vertical-align: top;
}
.speed-table tbody td:last-child { padding-right: 0; }
.speed-table tbody td:first-child {
  color: var(--on-ink);
  font-family: var(--display);
  font-size: var(--t-h6);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
}
.speed-table tbody td.is-fnf {
  color: var(--brass-bright);
  font-family: var(--mono);
  font-feature-settings: 'tnum' 1;
}
.speed-table tbody tr:last-child td { border-bottom: 0; }
@media (max-width: 900px) {
  .speed-table thead { display: none; }
  .speed-table, .speed-table tbody, .speed-table tr,
  .speed-table th, .speed-table td { display: block; width: 100%; }
  .speed-table tbody tr {
    padding: var(--s-7) 0;
    border-bottom: 1px solid var(--ink-line);
  }
  .speed-table tbody tr:first-child { border-top: 1px solid var(--ink-line); }
  .speed-table tbody td {
    border-bottom: 0;
    padding: var(--s-2) 0;
    display: grid;
    grid-template-columns: 140px 1fr;
    gap: var(--s-4);
    align-items: baseline;
  }
  .speed-table tbody td::before {
    content: attr(data-label);
    font-family: var(--mono);
    font-size: var(--t-mono-xs);
    font-weight: 500;
    letter-spacing: var(--tr-wider);
    text-transform: uppercase;
    color: var(--on-ink-mute);
  }
  .speed-table tbody td:first-child::before { display: none; }
  .speed-table tbody td:first-child {
    display: block;
    margin-bottom: var(--s-3);
  }
}

/* ════════════════════════════════════════════════════════════════
   FAQ — hairline accordion on parchment
   ════════════════════════════════════════════════════════════════ */

.faq {
  background: var(--paper);
  color: var(--on-paper);
  padding-block: var(--sec-pad);
}
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-top: 1px solid rgba(17, 25, 42, 0.14); }
.faq-item:last-child { border-bottom: 1px solid rgba(17, 25, 42, 0.14); }
.faq-summary {
  list-style: none;
  cursor: pointer;
  padding: var(--s-7) 0;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: var(--s-5);
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h5);
  line-height: var(--lh-snug);
  letter-spacing: var(--tr-snug);
  color: var(--on-paper);
  transition: color var(--d-fast) var(--ease-silk);
}
.faq-summary::-webkit-details-marker { display: none; }
.faq-summary:hover { color: var(--brass-deep); }
.faq-toggle {
  width: 24px; height: 24px;
  position: relative;
  flex-shrink: 0;
  align-self: center;
}
.faq-toggle::before, .faq-toggle::after {
  content: '';
  position: absolute;
  background: currentColor;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  transition: transform var(--d-base) var(--ease-silk),
              opacity var(--d-base) var(--ease-silk);
}
.faq-toggle::before { width: 14px; height: 1px; }
.faq-toggle::after { width: 1px; height: 14px; }
.faq-item[open] .faq-toggle::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }
.faq-body {
  padding: 0 0 var(--s-7) 0;
  max-width: 60ch;
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-paper-dim);
  text-wrap: pretty;
}
.faq-body p + p { margin-top: var(--s-3); }
.faq-item[open] .faq-body { animation: reveal-up var(--d-base) var(--ease-silk) both; }

/* ════════════════════════════════════════════════════════════════
   CLOSING CTA — single line, single button, on ink
   ════════════════════════════════════════════════════════════════ */

.closing-cta {
  background: var(--ink);
  color: var(--on-ink);
  padding-block: var(--sec-pad);
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.closing-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 78% 50%, rgba(176, 138, 79, 0.08) 0%, transparent 60%);
  z-index: 0;
}
.closing-cta-inner {
  position: relative;
  z-index: 1;
  padding-top: var(--s-9);
  border-top: 1px solid var(--ink-line);
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: var(--s-10);
  align-items: end;
}
.closing-cta-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: var(--t-h1);
  line-height: var(--lh-display);
  letter-spacing: var(--tr-tight);
  color: var(--on-ink);
  text-wrap: balance;
}
.closing-cta-title em { font-style: italic; color: var(--brass-bright); }
.closing-cta-actions {
  display: flex;
  flex-direction: column;
  gap: var(--s-5);
  padding-bottom: var(--s-2);
}
.closing-cta-actions p {
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink-dim);
  line-height: var(--lh-relaxed);
  max-width: 36ch;
}
@media (max-width: 900px) {
  .closing-cta-inner { grid-template-columns: 1fr; gap: var(--s-7); align-items: start; }
}

/* ════════════════════════════════════════════════════════════════
   FOOTER — editorial, generous, ink
   ════════════════════════════════════════════════════════════════ */

.site-footer {
  background: var(--ink);
  color: var(--on-ink);
  padding-top: var(--s-10);
  padding-bottom: var(--s-7);
  border-top: 1px solid var(--ink-line);
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: var(--s-10);
  align-items: start;
  margin-bottom: var(--s-9);
}
.footer-brand { display: flex; flex-direction: column; gap: var(--s-5); max-width: 32ch; }
.footer-brand .brand { color: var(--on-ink); margin: 0; }
.footer-tag {
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink-dim);
  line-height: var(--lh-relaxed);
}
.footer-cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-7);
}
.footer-col-title {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: var(--s-5);
  padding-bottom: var(--s-3);
  border-bottom: 1px solid var(--ink-line);
}
.footer-col ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: var(--s-3); }
.footer-col a {
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-ink-dim);
  transition: color var(--d-fast) var(--ease-silk);
}
.footer-col a:hover { color: var(--brass); }
.footer-base {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: var(--s-5);
  padding-top: var(--s-5);
  border-top: 1px solid var(--ink-line);
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  letter-spacing: var(--tr-wide);
  color: var(--on-ink-mute);
  align-items: center;
}
.footer-base-legal { display: flex; gap: var(--s-5); flex-wrap: wrap; }
.footer-base-legal a { color: var(--on-ink-mute); transition: color var(--d-fast) var(--ease-silk); }
.footer-base-legal a:hover { color: var(--on-ink); }
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr; gap: var(--s-7); }
  .footer-cols { grid-template-columns: repeat(2, 1fr); gap: var(--s-6); }
  .footer-base { grid-template-columns: 1fr; gap: var(--s-3); }
}
@media (max-width: 520px) {
  .footer-cols { grid-template-columns: 1fr; gap: var(--s-6); }
}

/* ════════════════════════════════════════════════════════════════
   SCROLL PROGRESS — top hairline that fills as page scrolls
   ════════════════════════════════════════════════════════════════ */

.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  height: 2px;
  width: 100%;
  background: linear-gradient(90deg, var(--brass) 0%, var(--brass-bright) 100%);
  transform-origin: left center;
  transform: scaleX(var(--scroll, 0));
  z-index: var(--z-toast);
  pointer-events: none;
}

/* ════════════════════════════════════════════════════════════════
   SERVICE PAGES — shared primitives across get-lending,
   transactional-funds, sell-my-property, transaction-coordination
   ════════════════════════════════════════════════════════════════ */

/* Service hero — tighter than homepage hero, asymmetric but content-led */
.svc-hero {
  position: relative;
  padding: calc(var(--s-12) + var(--s-7)) 0 var(--s-11);
  border-bottom: 1px solid var(--ink-line);
}
.svc-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  gap: var(--s-9);
  align-items: end;
}
.svc-hero-eyebrow {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--brass-bright);
  display: inline-flex;
  align-items: center;
  gap: var(--s-3);
  margin-bottom: var(--s-6);
}
.svc-hero-eyebrow::before {
  content: "";
  display: inline-block;
  width: 36px; height: 1px;
  background: var(--brass);
}
.svc-hero h1 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(48px, 6.4vw, 88px);
  line-height: var(--lh-tight);
  letter-spacing: var(--tr-tight);
  color: var(--on-ink);
  margin: 0 0 var(--s-6);
}
.svc-hero h1 em {
  font-style: italic;
  color: var(--brass-bright);
}
.svc-hero-sub {
  font-family: var(--body);
  font-size: var(--t-body-lg);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-mute);
  max-width: 56ch;
  margin: 0 0 var(--s-5);
}
.svc-hero-cta-hint {
  margin: var(--s-5) 0 var(--s-8);
}
.svc-hero-cta-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--brass-deep);
  text-decoration: none;
  border-bottom: 1px solid var(--brass);
  padding-bottom: 4px;
  transition: color 150ms ease, transform 150ms ease;
}
.svc-hero-cta-link:hover {
  color: var(--on-paper);
  transform: translateY(2px);
}
.section-help {
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink-mute);
  margin: var(--s-3) 0 0;
  max-width: 52ch;
}
.svc-hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--s-5);
}
.svc-hero-meta {
  border-top: 1px solid var(--ink-line);
  padding-top: var(--s-6);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
}
.svc-hero-meta .meta-row {
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: var(--s-5);
  align-items: baseline;
}
.svc-hero-meta .meta-label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-ink-soft);
}
.svc-hero-meta .meta-value {
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink);
  letter-spacing: var(--tr-snug);
}
.svc-hero-meta .meta-value strong {
  font-family: var(--mono);
  font-weight: 500;
  color: var(--brass-bright);
}
@media (max-width: 1024px) {
  .svc-hero-grid { grid-template-columns: 1fr; gap: var(--s-7); }
  .svc-hero-meta { padding-top: var(--s-7); }
}
@media (max-width: 600px) {
  .svc-hero { padding: calc(var(--s-10) + var(--s-5)) 0 var(--s-9); }
  .svc-hero-meta .meta-row { grid-template-columns: 90px 1fr; gap: var(--s-3); }
}

/* Product row — definition-list-styled product (used on get-lending) */
.product-list {
  display: flex;
  flex-direction: column;
}
.product-row {
  display: grid;
  grid-template-columns: 120px minmax(0, 0.9fr) minmax(0, 1.4fr) minmax(0, 0.9fr) 28px;
  gap: var(--s-7);
  align-items: start;
  padding: var(--s-9) 0;
  border-top: 1px solid var(--ink-line);
  position: relative;
}
.product-row:last-child { border-bottom: 1px solid var(--ink-line); }
.product-row .product-num {
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  font-weight: 500;
  color: var(--brass-bright);
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  padding-top: 4px;
}
.product-row .product-head {
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
}
.product-row .product-name {
  font-family: var(--display);
  font-size: var(--t-h4);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
  color: var(--on-ink);
  line-height: var(--lh-tight);
}
.product-row .product-tag {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
}
.product-row .product-body {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-mute);
}
.product-row .product-terms {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  color: var(--on-ink-soft);
  letter-spacing: var(--tr-snug);
}
.product-row .product-terms span:first-child { color: var(--brass-bright); font-weight: 500; }
.product-row .product-arrow {
  font-family: var(--mono);
  font-size: 22px;
  color: var(--on-ink-mute);
  align-self: center;
  transition: transform var(--d-base) var(--ease-silk),
              color var(--d-base) var(--ease-silk);
}
.product-row:hover .product-arrow {
  color: var(--brass-bright);
  transform: translateX(8px);
}
@media (max-width: 1024px) {
  .product-row {
    grid-template-columns: 60px 1fr auto;
    gap: var(--s-5);
  }
  .product-row .product-body { grid-column: 2 / -1; }
  .product-row .product-terms { grid-column: 2 / -1; flex-direction: row; flex-wrap: wrap; gap: var(--s-3) var(--s-5); }
  .product-row .product-arrow { grid-column: 3; grid-row: 1; }
}
@media (max-width: 600px) {
  .product-row {
    grid-template-columns: 40px 1fr;
    gap: var(--s-3) var(--s-4);
    padding: var(--s-7) 0;
  }
  .product-row .product-body, .product-row .product-terms { grid-column: 2 / -1; }
  .product-row .product-arrow { display: none; }
  .product-row .product-name { font-size: var(--t-h5); }
}

/* Use-case grid — for transactional-funds (4 use cases) */
.use-cases {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0;
  border-top: 1px solid var(--ink-line);
  border-left: 1px solid var(--ink-line);
}
.use-case {
  border-right: 1px solid var(--ink-line);
  border-bottom: 1px solid var(--ink-line);
  padding: var(--s-9) var(--s-7);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
  background: transparent;
  transition: background var(--d-base) var(--ease-silk);
}
.use-case:hover { background: rgba(176, 138, 79, 0.04); }
.use-case .uc-num {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--brass-bright);
}
.use-case h3 {
  font-family: var(--display);
  font-size: var(--t-h4);
  font-weight: 400;
  line-height: var(--lh-tight);
  letter-spacing: var(--tr-snug);
  color: var(--on-ink);
  margin: 0;
}
.use-case p {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-mute);
  margin: 0;
}
@media (max-width: 768px) {
  .use-cases { grid-template-columns: 1fr; }
}

/* Step list — vertical numbered process (sell-my-property, TC) */
.step-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  counter-reset: step;
}
.step-item {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: var(--s-7);
  padding: var(--s-9) 0;
  border-top: 1px solid var(--ink-line);
  align-items: start;
}
.step-item:last-child { border-bottom: 1px solid var(--ink-line); }
.step-item .step-num {
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  color: var(--brass-bright);
}
.step-item .step-content { display: flex; flex-direction: column; gap: var(--s-3); max-width: 60ch; }
.step-item h3 {
  font-family: var(--display);
  font-size: var(--t-h4);
  font-weight: 400;
  line-height: var(--lh-tight);
  letter-spacing: var(--tr-snug);
  color: var(--on-ink);
  margin: 0;
}
.step-item p {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-ink-mute);
  margin: 0;
}
.step-item .step-meta {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
  margin-top: var(--s-2);
}
@media (max-width: 600px) {
  .step-item { grid-template-columns: 50px 1fr; gap: var(--s-4); padding: var(--s-7) 0; }
}

/* Inclusions list — checklist for TC service / lending */
.includes-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--s-5) var(--s-9);
  margin-top: var(--s-6);
}
.include-item {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: var(--s-4);
  align-items: start;
  padding: var(--s-4) 0;
  border-bottom: 1px solid var(--ink-line);
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink);
  letter-spacing: var(--tr-snug);
}
.include-item::before {
  content: "✓";
  font-family: var(--mono);
  color: var(--brass-bright);
  font-size: 16px;
  line-height: 1.5;
}
@media (max-width: 768px) { .includes-grid { grid-template-columns: 1fr; gap: 0; } }

/* Comparison stat — paired-stat block (TC cost comparison) */
.compare-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--s-7);
  border-top: 1px solid var(--ink-line);
  padding-top: var(--s-9);
  margin-top: var(--s-9);
}
.compare-col {
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
}
.compare-col .compare-label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
}
.compare-col .compare-value {
  font-family: var(--display);
  font-size: clamp(48px, 6vw, 80px);
  font-weight: 300;
  letter-spacing: var(--tr-tight);
  line-height: 1;
  color: var(--on-ink);
}
.compare-col.is-fnf .compare-value { color: var(--brass-bright); }
.compare-col .compare-note {
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-ink-mute);
  line-height: var(--lh-relaxed);
}
@media (max-width: 600px) {
  .compare-stats { grid-template-columns: 1fr; gap: var(--s-6); }
}

/* Inquiry form (sell-my-property) */
.inquiry-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--s-5);
  margin-top: var(--s-7);
}
.inquiry-form .field-full { grid-column: 1 / -1; }
.inquiry-form label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
  display: block;
  margin-bottom: var(--s-2);
}
.inquiry-form input,
.inquiry-form select,
.inquiry-form textarea {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--ink-line);
  padding: var(--s-3) 0;
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink);
  letter-spacing: var(--tr-snug);
  outline: none;
  transition: border-color var(--d-base) var(--ease-silk);
}
.inquiry-form input:focus,
.inquiry-form select:focus,
.inquiry-form textarea:focus {
  border-bottom-color: var(--brass-bright);
}
.inquiry-form textarea { min-height: 120px; resize: vertical; padding-top: var(--s-3); }
.inquiry-form .form-actions {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: var(--s-5);
  margin-top: var(--s-4);
}
@media (max-width: 600px) { .inquiry-form { grid-template-columns: 1fr; } }

/* ════════════════════════════════════════════════════════════════
   PULL QUOTE — used on /about for founder statement
   ════════════════════════════════════════════════════════════════ */

.pull-quote {
  margin: var(--s-7) 0 var(--s-6);
  padding: 0;
}
.pull-quote p {
  font-family: var(--display);
  font-weight: 300;
  font-style: italic;
  font-size: clamp(32px, 4.4vw, 56px);
  line-height: var(--lh-snug);
  letter-spacing: var(--tr-tight);
  color: var(--on-paper);
  margin: 0;
  text-indent: -0.4em;
}
.pull-quote p::before {
  content: "\201C";
  color: var(--brass);
  font-style: normal;
  margin-right: 0.05em;
}
.pull-quote p::after { content: "\201D"; color: var(--brass); font-style: normal; }
.quote-attrib {
  display: flex;
  align-items: center;
  gap: var(--s-4);
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper-soft);
  letter-spacing: var(--tr-snug);
  margin: 0;
}
.quote-attrib strong { color: var(--on-paper); font-weight: 500; }
.attrib-rule { display: inline-block; width: 36px; height: 1px; background: var(--on-paper-soft); flex-shrink: 0; }
.attrib-soft { color: var(--on-paper-soft); }

/* ════════════════════════════════════════════════════════════════
   APPLY FORM — multi-step editorial application
   ════════════════════════════════════════════════════════════════ */

.apply-steps {
  display: flex;
  align-items: center;
  gap: var(--s-3);
  padding: var(--s-7) 0;
  border-bottom: 1px solid var(--paper-line);
  margin-bottom: var(--s-9);
  flex-wrap: wrap;
}
.apply-step {
  display: inline-flex;
  align-items: baseline;
  gap: var(--s-3);
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  text-transform: uppercase;
  color: var(--on-paper-soft);
  white-space: nowrap;
  transition: color var(--d-fast) var(--ease-silk);
}
.apply-step.is-active { color: var(--brass-deep); }
.apply-step.is-active .apply-step-num { color: var(--brass-bright); }
.apply-step.is-done { color: var(--on-paper-soft); }
.apply-step.is-done .apply-step-num { color: var(--brass-deep); }
.apply-step-num {
  font-family: var(--mono);
  font-weight: 500;
}
.apply-step-rule {
  flex: 1;
  height: 1px;
  background: var(--paper-line);
  min-width: 24px;
}

.apply-form { padding: 0 0 var(--s-12); }

.apply-stage {
  display: flex;
  flex-direction: column;
  gap: var(--s-7);
  min-height: 60vh;
}

.apply-options {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}
.apply-option {
  border-top: 1px solid var(--paper-line);
}
.apply-option:last-child { border-bottom: 1px solid var(--paper-line); }
.apply-option button {
  width: 100%;
  display: grid;
  grid-template-columns: 80px minmax(0, 1fr) auto;
  gap: var(--s-6);
  align-items: start;
  padding: var(--s-7) var(--s-2);
  text-align: left;
  background: transparent;
  border: 0;
  cursor: pointer;
  transition: background var(--d-fast) var(--ease-silk);
}
.apply-option button:hover { background: rgba(176, 138, 79, 0.04); }
.apply-option.is-selected button { background: rgba(176, 138, 79, 0.08); }
.apply-option .opt-num {
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  color: var(--brass-deep);
}
.apply-option.is-selected .opt-num { color: var(--brass-bright); }
.apply-option .opt-content { display: flex; flex-direction: column; gap: var(--s-2); }
.apply-option .opt-title {
  font-family: var(--display);
  font-size: var(--t-h5);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
  color: var(--on-paper);
  line-height: var(--lh-tight);
}
.apply-option .opt-body {
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper-soft);
  line-height: var(--lh-relaxed);
}
.apply-option .opt-arrow {
  font-family: var(--mono);
  font-size: 18px;
  color: var(--on-paper-soft);
  align-self: center;
  transition: color var(--d-fast) var(--ease-silk),
              transform var(--d-base) var(--ease-silk);
}
.apply-option button:hover .opt-arrow,
.apply-option.is-selected .opt-arrow {
  color: var(--brass-bright);
  transform: translateX(6px);
}
@media (max-width: 600px) {
  .apply-option button { grid-template-columns: 50px 1fr; padding: var(--s-5) var(--s-2); }
  .apply-option .opt-arrow { display: none; }
}

.apply-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--s-6);
}
.apply-grid .field-full { grid-column: 1 / -1; }
.apply-grid label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-paper-soft);
  display: block;
  margin-bottom: var(--s-3);
}
.apply-grid label .lbl-soft {
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
  color: var(--on-paper-soft);
  opacity: 0.7;
}
.apply-grid input,
.apply-grid select,
.apply-grid textarea {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--paper-line);
  padding: var(--s-3) 0;
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-paper);
  letter-spacing: var(--tr-snug);
  outline: none;
  transition: border-color var(--d-base) var(--ease-silk);
  border-radius: 0;
}
.apply-grid input:focus,
.apply-grid select:focus,
.apply-grid textarea:focus {
  border-bottom-color: var(--brass-bright);
}
.apply-grid textarea { min-height: 120px; resize: vertical; padding-top: var(--s-3); }
@media (max-width: 600px) {
  .apply-grid { grid-template-columns: 1fr; gap: var(--s-5); }
}

.apply-actions {
  display: flex;
  align-items: center;
  gap: var(--s-5);
  margin-top: var(--s-8);
  padding-top: var(--s-7);
  border-top: 1px solid var(--paper-line);
  flex-wrap: wrap;
}

.apply-summary {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}
.apply-summary li {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: var(--s-5);
  padding: var(--s-3) 0;
  border-bottom: 1px solid var(--paper-line);
}
.apply-summary li:first-child { border-top: 1px solid var(--paper-line); }
.apply-summary .sum-label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-paper-soft);
}
.apply-summary .sum-value {
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-paper);
  letter-spacing: var(--tr-snug);
}
@media (max-width: 600px) {
  .apply-summary li { grid-template-columns: 1fr; gap: var(--s-2); }
}

.apply-agree {
  border: 0;
  padding: 0;
  margin: var(--s-7) 0 0;
}
.apply-agree .agree-row {
  display: grid;
  grid-template-columns: 24px 1fr;
  gap: var(--s-4);
  align-items: start;
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper);
  line-height: var(--lh-relaxed);
  cursor: pointer;
}
.apply-agree input[type="checkbox"] {
  width: 18px; height: 18px;
  margin-top: 4px;
  accent-color: var(--brass);
}
.apply-agree a { color: var(--brass-deep); border-bottom: 1px solid var(--brass-deep); }
.apply-agree a:hover { color: var(--brass-bright); border-bottom-color: var(--brass-bright); }

.apply-done { padding: var(--s-9) 0 var(--s-12); }
.apply-done .apply-done-body {
  font-family: var(--body);
  font-size: var(--t-body-lg);
  line-height: var(--lh-relaxed);
  color: var(--on-paper-soft);
  max-width: 60ch;
  margin: var(--s-5) 0 0;
}
.apply-done .apply-done-body a { color: var(--brass-deep); border-bottom: 1px solid var(--brass-deep); }

/* Apply page section — content area for the multi-step form */
.apply-section {
  padding-block: var(--sec-pad);
  position: relative;
}

/* ════════════════════════════════════════════════════════════════
   CALCULATOR — split layout, live values
   ════════════════════════════════════════════════════════════════ */

.calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1fr);
  gap: var(--s-9);
  margin-top: var(--s-7);
}
.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: var(--s-5);
}
.calc-row {
  display: grid;
  grid-template-columns: 1fr 140px;
  gap: var(--s-5);
  align-items: end;
  padding-bottom: var(--s-3);
  border-bottom: 1px solid var(--paper-line);
}
.calc-row label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-paper-soft);
}
.calc-row input {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 0;
  padding: var(--s-2) 0;
  font-family: var(--mono);
  font-size: var(--t-body-lg);
  color: var(--on-paper);
  text-align: right;
  outline: none;
  border-radius: 0;
}
.calc-row input:focus { color: var(--brass-deep); }
.calc-results {
  background: var(--paper-2);
  border: 1px solid var(--paper-line);
  padding: var(--s-9);
  display: flex;
  flex-direction: column;
  gap: var(--s-7);
  align-self: start;
  position: sticky;
  top: 100px;
}
.calc-result-primary {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  border-bottom: 1px solid var(--paper-line);
  padding-bottom: var(--s-7);
}
.calc-result-primary .calc-label {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-paper-soft);
}
.calc-result-primary .calc-value {
  font-family: var(--display);
  font-size: clamp(56px, 6vw, 88px);
  font-weight: 300;
  letter-spacing: var(--tr-tight);
  line-height: 1;
  color: var(--brass-deep);
}
.calc-result-rows {
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
}
.calc-result-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: var(--s-4);
  padding: var(--s-2) 0;
  border-bottom: 1px solid var(--paper-line);
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper);
  letter-spacing: var(--tr-snug);
}
.calc-result-row .calc-row-label { color: var(--on-paper-soft); }
.calc-result-row .calc-row-value { font-family: var(--mono); color: var(--on-paper); }
@media (max-width: 1024px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-results { position: static; }
}
@media (max-width: 600px) {
  .calc-row { grid-template-columns: 1fr; gap: var(--s-2); }
  .calc-row input { text-align: left; }
}

/* ════════════════════════════════════════════════════════════════
   GLOSSARY — alphabetical, searchable
   ════════════════════════════════════════════════════════════════ */

.glossary-search {
  margin-top: var(--s-7);
  padding-bottom: var(--s-7);
  border-bottom: 1px solid var(--paper-line);
}
.glossary-search input {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--paper-line);
  padding: var(--s-3) 0;
  font-family: var(--display);
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 400;
  color: var(--on-paper);
  outline: none;
  border-radius: 0;
}
.glossary-search input:focus { border-bottom-color: var(--brass-bright); }
.glossary-search input::placeholder { color: var(--on-paper-soft); opacity: 0.6; }
.glossary-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: var(--s-7);
}
.glossary-letter {
  display: grid;
  grid-template-columns: 80px minmax(0, 1fr);
  gap: var(--s-7);
  padding: var(--s-9) 0;
  border-top: 1px solid var(--paper-line);
}
.glossary-letter:last-child { border-bottom: 1px solid var(--paper-line); }
.glossary-letter h3 {
  font-family: var(--display);
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 300;
  line-height: 1;
  color: var(--brass-deep);
  margin: 0;
  letter-spacing: var(--tr-tight);
}
.glossary-terms { display: flex; flex-direction: column; gap: var(--s-6); }
.glossary-term {
  display: grid;
  grid-template-columns: minmax(0, 0.5fr) minmax(0, 1fr);
  gap: var(--s-5);
  padding-bottom: var(--s-5);
  border-bottom: 1px solid var(--paper-line);
}
.glossary-term:last-child { border-bottom: 0; }
.glossary-term dt {
  font-family: var(--display);
  font-size: var(--t-h5);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
  color: var(--on-paper);
  margin: 0;
}
.glossary-term dd {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-paper-soft);
  margin: 0;
}
.glossary-term .glossary-term-tag {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--brass-deep);
  display: block;
  margin-top: var(--s-2);
}
.glossary-letter[hidden] { display: none; }
.glossary-term[hidden] { display: none; }
@media (max-width: 768px) {
  .glossary-letter { grid-template-columns: 50px 1fr; gap: var(--s-4); padding: var(--s-7) 0; }
  .glossary-term { grid-template-columns: 1fr; gap: var(--s-2); }
}

/* ════════════════════════════════════════════════════════════════
   RATE TABLE — clean rates display
   ════════════════════════════════════════════════════════════════ */

.rate-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--s-7);
}
.rate-table thead th {
  text-align: left;
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
  padding: var(--s-3) var(--s-5) var(--s-3) 0;
  border-bottom: 1px solid var(--ink-line);
}
.rate-table thead th:last-child { padding-right: 0; text-align: right; }
.rate-table tbody td {
  padding: var(--s-6) var(--s-5) var(--s-6) 0;
  border-bottom: 1px solid var(--ink-line);
  vertical-align: top;
  font-family: var(--body);
  font-size: var(--t-body);
  color: var(--on-ink);
  letter-spacing: var(--tr-snug);
}
.rate-table tbody td:first-child {
  font-family: var(--display);
  font-size: var(--t-h5);
  font-weight: 400;
}
.rate-table tbody td:last-child {
  text-align: right;
  padding-right: 0;
  font-family: var(--mono);
  color: var(--brass-bright);
  font-weight: 500;
}
.rate-disclaimer {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: var(--tr-wider);
  color: var(--on-ink-soft);
  margin-top: var(--s-7);
  padding-top: var(--s-5);
  border-top: 1px solid var(--ink-line);
}
@media (max-width: 600px) {
  .rate-table thead { display: none; }
  .rate-table, .rate-table tbody, .rate-table tr, .rate-table th, .rate-table td { display: block; width: 100%; }
  .rate-table tbody tr { padding: var(--s-7) 0; border-bottom: 1px solid var(--ink-line); }
  .rate-table tbody td { border-bottom: 0; padding: var(--s-2) 0; }
  .rate-table tbody td::before {
    content: attr(data-label);
    display: inline-block;
    font-family: var(--mono);
    font-size: var(--t-mono-xs);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: var(--tr-wider);
    color: var(--on-ink-soft);
    margin-right: var(--s-3);
    min-width: 80px;
  }
  .rate-table tbody td:last-child { text-align: left; }
}

/* ════════════════════════════════════════════════════════════════
   LEGAL PAGES — typographically dense long-form
   ════════════════════════════════════════════════════════════════ */

.legal-section {
  display: grid;
  grid-template-columns: 80px minmax(0, 1fr);
  gap: var(--s-7);
  padding: var(--s-9) 0;
  border-top: 1px solid var(--paper-line);
}
.legal-section:last-child { border-bottom: 1px solid var(--paper-line); }
.legal-section .legal-num {
  font-family: var(--mono);
  font-size: var(--t-mono-sm);
  font-weight: 500;
  letter-spacing: var(--tr-wider);
  color: var(--brass-deep);
}
.legal-section h2 {
  font-family: var(--display);
  font-size: var(--t-h4);
  font-weight: 400;
  letter-spacing: var(--tr-snug);
  color: var(--on-paper);
  line-height: var(--lh-tight);
  margin: 0 0 var(--s-5);
}
.legal-section h3 {
  font-family: var(--body);
  font-size: var(--t-body);
  font-weight: 500;
  color: var(--on-paper);
  margin: var(--s-5) 0 var(--s-3);
}
.legal-section p {
  font-family: var(--body);
  font-size: var(--t-body);
  line-height: var(--lh-relaxed);
  color: var(--on-paper-soft);
  margin: 0 0 var(--s-4);
  max-width: 70ch;
}
.legal-section strong { color: var(--on-paper); font-weight: 500; }
.legal-section ul, .legal-section ol {
  margin: 0 0 var(--s-4);
  padding-left: var(--s-6);
  color: var(--on-paper-soft);
  line-height: var(--lh-relaxed);
}
.legal-section li { margin-bottom: var(--s-2); }
.legal-section a { color: var(--brass-deep); border-bottom: 1px solid var(--brass-deep); }
.legal-section a:hover { color: var(--brass-bright); border-bottom-color: var(--brass-bright); }
.legal-toc {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: var(--s-3) var(--s-7);
  list-style: none;
  margin: var(--s-7) 0 0;
  padding: 0;
}
.legal-toc li { padding: var(--s-2) 0; border-bottom: 1px solid var(--paper-line); }
.legal-toc a {
  display: flex;
  gap: var(--s-3);
  font-family: var(--body);
  font-size: var(--t-body-sm);
  color: var(--on-paper);
  letter-spacing: var(--tr-snug);
}
.legal-toc a .toc-num {
  font-family: var(--mono);
  font-size: var(--t-mono-xs);
  color: var(--brass-deep);
  font-weight: 500;
  flex-shrink: 0;
  min-width: 32px;
}
.legal-toc a:hover { color: var(--brass-deep); }
@media (max-width: 600px) {
  .legal-section { grid-template-columns: 50px 1fr; gap: var(--s-4); padding: var(--s-7) 0; }
}