/* ==========================================================================
   Canada Capital Finance — design system
   Editorial institutional, light: white and warm paper grounds, ink navy type,
   emerald for money, amber for Apply.
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Archivo:ital,wght@0,400;0,500;0,600;0,700;1,400&family=Fraunces:opsz,wght@9..144,300;9..144,400;9..144,500;9..144,600;9..144,700&display=swap');

/* --- tokens ------------------------------------------------------------- */
:root {
  --ink-950: #060f18;
  --ink-900: #0a1b2a;
  --ink-800: #0f2739;
  --ink-700: #16354b;
  --ink-600: #1f465f;
  --hairline: rgba(10, 27, 42, 0.11);
  --hairline-strong: rgba(10, 27, 42, 0.22);

  /* Grounds. The site is light throughout; ink is for type and the odd solid. */
  --bg: #ffffff;
  --bg-soft: #f7f4ed;
  --bg-tint: #eef6f1;
  --surface: #ffffff;
  --surface-2: #faf8f3;

  --paper: #f7f4ed;
  --paper-2: #efeae0;
  --paper-3: #e4ddd0;

  --emerald: #10b981;
  --emerald-bright: #34d399;
  --emerald-deep: #047857;
  --amber: #f59e0b;
  --amber-bright: #fbbf24;
  --rust: #c2410c;

  --text: #0a1b2a;
  --muted: #536473;

  --display: 'Fraunces', 'Iowan Old Style', Georgia, serif;
  --body: 'Archivo', 'Helvetica Neue', Helvetica, sans-serif;

  --shell: 1240px;
  --gutter: clamp(1.25rem, 5vw, 4rem);
  --radius: 4px;
  --radius-lg: 10px;

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --shadow-lift: 0 30px 70px -32px rgba(10, 27, 42, 0.32);
  --shadow-card: 0 1px 0 rgba(10, 27, 42, 0.04), 0 18px 40px -30px rgba(10, 27, 42, 0.4);
}

/* --- reset -------------------------------------------------------------- */
*,
*::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: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--body);
  font-size: 16.5px;
  line-height: 1.65;
  font-synthesis-weight: none;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; display: block; }
a { color: inherit; }
button { font: inherit; color: inherit; }

::selection { background: rgba(16, 185, 129, 0.25); color: var(--ink-900); }

:focus-visible {
  outline: 2px solid var(--amber);
  outline-offset: 3px;
  border-radius: 2px;
}

/* --- grain overlay ------------------------------------------------------ */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  z-index: 9999;
  pointer-events: none;
  opacity: 0.35;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.06'/%3E%3C/svg%3E");
}

/* --- typography --------------------------------------------------------- */
h1, h2, h3, h4 {
  font-family: var(--display);
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: -0.02em;
  margin: 0 0 0.5em;
  font-variation-settings: 'SOFT' 0, 'WONK' 1;
}

h1 { font-size: clamp(2.85rem, 6.4vw, 5.1rem); }
h2 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
h3 { font-size: clamp(1.35rem, 2.2vw, 1.75rem); line-height: 1.18; }
h4 { font-size: 1.12rem; line-height: 1.3; letter-spacing: -0.01em; }

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

.lede {
  font-size: clamp(1.08rem, 1.55vw, 1.32rem);
  line-height: 1.55;
  color: var(--muted);
  max-width: 56ch;
}

.section--light .lede { color: var(--muted); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--emerald-deep);
  margin: 0 0 1.4rem;
  font-family: var(--body);
}

.eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: currentColor;
  opacity: 0.7;
}

.eyebrow--num::before { display: none; }

.num-tag {
  font-family: var(--body);
  font-variant-numeric: tabular-nums;
  font-weight: 600;
  font-size: 0.7rem;
  letter-spacing: 0.18em;
  color: var(--emerald-deep);
}

.money {
  font-family: var(--display);
  font-variant-numeric: tabular-nums lining-nums;
  letter-spacing: -0.03em;
}

.hl { color: var(--emerald-deep); }
.hl-amber { color: var(--amber); }

/* --- layout ------------------------------------------------------------- */
.shell {
  width: 100%;
  max-width: var(--shell);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section {
  position: relative;
  padding-block: clamp(4.5rem, 9vw, 8rem);
}

.section--light {
  background: var(--paper);
  color: var(--text);
}

.section--paper2 { background: var(--paper-2); color: var(--text); }
.section--ink800 { background: var(--bg-soft); }

.section--light .eyebrow { color: var(--emerald-deep); }
.section--light .num-tag { color: var(--emerald-deep); }
.section--light .hl { color: var(--emerald-deep); }

.section-head { max-width: 68ch; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-head--split {
  max-width: none;
  display: grid;
  gap: 2rem clamp(2rem, 6vw, 5rem);
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  align-items: end;
}

@media (max-width: 820px) {
  .section-head--split { grid-template-columns: 1fr; align-items: start; }
}

.rule {
  height: 1px;
  background: var(--hairline);
  border: 0;
  margin: 0;
}

.section--light .rule { background: rgba(10, 27, 42, 0.14); }

/* --- buttons ------------------------------------------------------------ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.95rem 1.7rem;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.94rem;
  letter-spacing: 0.01em;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.25s var(--ease), background-color 0.25s var(--ease),
    border-color 0.25s var(--ease), color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}

.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

/* Amber is reserved for Apply. Do not reuse it. */
.btn--apply {
  background: var(--amber);
  color: var(--ink-950);
  box-shadow: 0 10px 26px -12px rgba(217, 119, 6, 0.7);
}
.btn--apply:hover { background: var(--amber-bright); box-shadow: 0 16px 40px -14px rgba(245, 158, 11, 0.9); }

.btn--ghost {
  border-color: var(--hairline-strong);
  color: var(--text);
  background: transparent;
}
.btn--ghost:hover { border-color: var(--emerald-deep); color: var(--emerald-deep); }

.section--light .btn--ghost { color: var(--text); border-color: rgba(10, 27, 42, 0.25); }
.section--light .btn--ghost:hover { border-color: var(--emerald-deep); color: var(--emerald-deep); }

.btn--solid { background: var(--ink-900); color: var(--paper); }
.btn--solid:hover { background: var(--ink-700); }

.btn--lg { padding: 1.15rem 2.2rem; font-size: 1rem; }
.btn--block { width: 100%; }

.arrow-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 0.92rem;
  text-decoration: none;
  color: var(--emerald-deep);
  transition: gap 0.25s var(--ease);
}
.arrow-link::after { content: '→'; transition: transform 0.25s var(--ease); }
.arrow-link:hover { gap: 0.75rem; }
.arrow-link:hover::after { transform: translateX(2px); }
.section--light .arrow-link { color: var(--emerald-deep); }

/* --- header ------------------------------------------------------------- */
.masthead {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(14px) saturate(160%);
  border-bottom: 1px solid var(--hairline);
}

.masthead__bar {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  height: 74px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  text-decoration: none;
  flex-shrink: 0;
}

.brand__mark {
  width: 34px;
  height: 34px;
  flex-shrink: 0;
}

.brand__name {
  font-family: var(--display);
  font-size: 1.16rem;
  font-weight: 600;
  letter-spacing: -0.025em;
  line-height: 1;
  color: var(--text);
}

.brand__name span { color: var(--emerald-deep); }

.nav {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  margin-left: auto;
}

.nav__link {
  position: relative;
  padding: 0.55rem 0.85rem;
  font-size: 0.9rem;
  font-weight: 500;
  text-decoration: none;
  color: var(--muted);
  border-radius: var(--radius);
  transition: color 0.2s var(--ease);
  white-space: nowrap;
}

.nav__link:hover, .nav__link[aria-current='page'] { color: var(--text); }

.nav__link[aria-current='page']::after {
  content: '';
  position: absolute;
  left: 0.85rem;
  right: 0.85rem;
  bottom: 0.15rem;
  height: 1.5px;
  background: var(--emerald);
}

.nav__group { position: relative; }

.nav__toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.55rem 0.85rem;
  background: none;
  border: 0;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
  transition: color 0.2s var(--ease);
}
.nav__toggle:hover, .nav__group:hover .nav__toggle { color: var(--text); }
.nav__toggle svg { transition: transform 0.25s var(--ease); }
.nav__group:hover .nav__toggle svg { transform: rotate(180deg); }

.nav__menu {
  position: absolute;
  top: calc(100% + 10px);
  left: -0.5rem;
  width: 330px;
  padding: 0.6rem;
  background: var(--surface);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lift);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
}

.nav__group:hover .nav__menu,
.nav__group:focus-within .nav__menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav__menu a {
  display: block;
  padding: 0.7rem 0.8rem;
  border-radius: var(--radius);
  text-decoration: none;
  transition: background-color 0.18s var(--ease);
}
.nav__menu a:hover { background: rgba(16, 185, 129, 0.1); }
.nav__menu strong { display: block; font-size: 0.93rem; font-weight: 600; color: var(--text); }
.nav__menu span { display: block; font-size: 0.8rem; color: var(--muted); line-height: 1.4; }

.masthead__cta { display: flex; align-items: center; gap: 0.9rem; flex-shrink: 0; }


.burger {
  display: none;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  background: none;
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  cursor: pointer;
}

@media (max-width: 1080px) {
  .nav { display: none; }
  .burger { display: inline-flex; }
  .masthead__cta { margin-left: auto; }
}

/* Below ~560px the brand, the Apply button and the burger stop fitting side by
   side at full size, so tighten all three rather than let the bar overflow. */
@media (max-width: 560px) {
  .masthead__bar { gap: 0.75rem; padding-inline: 1rem; }
  .masthead__cta { gap: 0.5rem; }
  .masthead__cta .btn--apply { padding: 0.7rem 0.95rem; font-size: 0.85rem; }
  .brand__mark { width: 28px; height: 28px; }
  .brand__name { font-size: 1rem; }
  .brand { gap: 0.5rem; }
  .burger { width: 38px; height: 38px; }
}

@media (max-width: 380px) {
  /* Last resort on the narrowest phones: the wordmark goes, the icon stays. */
  .masthead .brand__name { display: none; }
}

/* mobile drawer */
.drawer {
  position: fixed;
  inset: 74px 0 0;
  z-index: 88;
  background: var(--bg);
  padding: 1.5rem var(--gutter) 3rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.32s var(--ease);
}
.drawer[data-open='true'] { transform: translateX(0); }
.drawer a {
  display: block;
  padding: 1rem 0;
  border-bottom: 1px solid var(--hairline);
  text-decoration: none;
  font-size: 1.05rem;
  font-weight: 500;
}
.drawer a:hover { color: var(--emerald-deep); }
/* Restore the button's own layout, which `.drawer a` above would flatten. */
.drawer a.btn {
  display: flex;
  margin-top: 1.75rem;
  border-bottom: 0;
  color: var(--ink-950);
}
.drawer a.btn:hover { color: var(--ink-950); }

/* --- hero --------------------------------------------------------------- */
.hero {
  position: relative;
  overflow: hidden;
  padding-block: clamp(3.5rem, 7vw, 6.5rem) clamp(4rem, 8vw, 7rem);
  background:
    radial-gradient(1100px 620px at 78% -5%, rgba(16, 185, 129, 0.13), transparent 62%),
    radial-gradient(900px 500px at 8% 105%, rgba(228, 221, 208, 0.7), transparent 60%),
    var(--bg);
}

.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(var(--hairline) 1px, transparent 1px),
    linear-gradient(90deg, var(--hairline) 1px, transparent 1px);
  background-size: 78px 78px;
  opacity: 0.5;
  mask-image: radial-gradient(80% 65% at 50% 30%, #000, transparent 78%);
}

.hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(0, 0.98fr);
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: center;
}

@media (max-width: 980px) {
  .hero__grid { grid-template-columns: 1fr; }
}

.hero h1 { margin-bottom: 1.1rem; text-wrap: balance; }
.hero h1 em { font-style: italic; color: var(--emerald-deep); font-variation-settings: 'WONK' 1; }

.hero__points {
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.75rem;
}
.hero__points li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  font-size: 0.98rem;
  color: var(--text);
}
.hero__points svg { flex-shrink: 0; margin-top: 3px; }

/* --- slider card -------------------------------------------------------- */
.calc {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 3vw, 2.3rem);
  box-shadow: var(--shadow-lift);
}

.calc::before {
  content: '';
  position: absolute;
  inset: -1px;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(160deg, rgba(16, 185, 129, 0.55), transparent 45%);
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
}

.calc__label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 0.6rem;
}

.calc__amount {
  font-family: var(--display);
  font-size: clamp(3rem, 6.5vw, 4.4rem);
  font-weight: 500;
  line-height: 1;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums lining-nums;
  color: var(--ink-900);
  margin-bottom: 1.5rem;
}

.calc__amount sup {
  font-size: 0.36em;
  vertical-align: super;
  color: var(--emerald-deep);
  letter-spacing: 0;
  margin-right: 0.08em;
}

/* the funding rail */
.rail { position: relative; padding-block: 0.5rem 0.35rem; }

.rail input[type='range'] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 30px;
  background: transparent;
  cursor: grab;
  margin: 0;
  position: relative;
  z-index: 2;
}
.rail input[type='range']:active { cursor: grabbing; }

.rail input[type='range']::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(
    90deg,
    var(--emerald) 0%,
    var(--emerald) var(--fill, 30%),
    rgba(10, 27, 42, 0.1) var(--fill, 30%),
    rgba(10, 27, 42, 0.1) 100%
  );
}
.rail input[type='range']::-moz-range-track {
  height: 6px;
  border-radius: 999px;
  background: rgba(10, 27, 42, 0.1);
}
.rail input[type='range']::-moz-range-progress {
  height: 6px;
  border-radius: 999px;
  background: var(--emerald);
}

.rail input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  margin-top: -10px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--emerald);
  box-shadow: 0 0 0 6px rgba(16, 185, 129, 0.16), 0 6px 14px -4px rgba(10, 27, 42, 0.3);
  transition: box-shadow 0.2s var(--ease), transform 0.15s var(--ease);
}
.rail input[type='range']:hover::-webkit-slider-thumb { transform: scale(1.08); }
.rail input[type='range']:active::-webkit-slider-thumb {
  box-shadow: 0 0 0 11px rgba(16, 185, 129, 0.22), 0 6px 14px -4px rgba(10, 27, 42, 0.3);
}
.rail input[type='range']::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--emerald);
  box-shadow: 0 0 0 6px rgba(16, 185, 129, 0.16);
}

.rail__ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
  margin-top: 0.35rem;
}

.calc__readout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--hairline);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 1.6rem 0 1.4rem;
}

.calc__cell { background: var(--surface-2); padding: 1rem 1.1rem; }
.calc__cell dt {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 0.35rem;
}
.calc__cell dd {
  margin: 0;
  font-family: var(--display);
  font-size: 1.5rem;
  font-weight: 500;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  color: var(--emerald-deep);
}

.calc__terms {
  display: flex;
  gap: 0.4rem;
  margin-bottom: 1.4rem;
}
.calc__terms button {
  flex: 1;
  padding: 0.6rem 0.3rem;
  background: transparent;
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  font-variant-numeric: tabular-nums;
  transition: all 0.2s var(--ease);
}
.calc__terms button:hover { border-color: var(--hairline-strong); color: var(--text); }
.calc__terms button[aria-pressed='true'] {
  background: rgba(16, 185, 129, 0.12);
  border-color: var(--emerald-deep);
  color: var(--emerald-deep);
}

.calc__fine {
  font-size: 0.76rem;
  line-height: 1.5;
  color: var(--muted);
  margin: 1rem 0 0;
}

/* --- trust bar ---------------------------------------------------------- */
.trustbar {
  background: var(--bg-soft);
  border-block: 1px solid var(--hairline);
  padding-block: 1.6rem;
}
.trustbar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem 2rem;
  align-items: center;
}
@media (max-width: 780px) { .trustbar__grid { grid-template-columns: repeat(2, 1fr); } }

.trustbar__item { display: flex; flex-direction: column; gap: 0.15rem; }
.trustbar__item b {
  font-family: var(--display);
  font-size: 1.7rem;
  font-weight: 500;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
  line-height: 1;
}
.trustbar__item span {
  font-size: 0.76rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
}

/* --- cards -------------------------------------------------------------- */
.grid { display: grid; gap: clamp(1.25rem, 2.4vw, 1.9rem); }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

@media (max-width: 940px) {
  .grid--3, .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 620px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
}

.card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: clamp(1.5rem, 2.6vw, 2.1rem);
  background: var(--surface);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease), background-color 0.3s var(--ease);
}
.card:hover { transform: translateY(-4px); border-color: rgba(4, 120, 87, 0.45); }
.card h3 { margin-bottom: 0.6rem; }
.card p { color: var(--muted); font-size: 0.95rem; }
.card .arrow-link { margin-top: auto; padding-top: 1.4rem; }

.section--light .card,
.section--paper2 .card {
  background: #fff;
  border-color: rgba(10, 27, 42, 0.1);
  box-shadow: var(--shadow-card);
}
.section--light .card p, .section--paper2 .card p { color: var(--muted); }

.card__icon {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  border-radius: var(--radius);
  background: rgba(4, 120, 87, 0.1);
  color: var(--emerald-deep);
  margin-bottom: 1.3rem;
}
.section--light .card__icon,
.section--paper2 .card__icon { background: rgba(4, 120, 87, 0.1); color: var(--emerald-deep); }

.card__range {
  font-family: var(--display);
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  color: var(--emerald-deep);
  padding-top: 1.2rem;
  margin-top: 1.2rem;
  border-top: 1px solid var(--hairline);
}
.section--light .card__range,
.section--paper2 .card__range { color: var(--emerald-deep); border-top-color: rgba(10, 27, 42, 0.12); }

.card--product { padding: 0; overflow: hidden; }
.card--product .card__body { padding: clamp(1.5rem, 2.6vw, 2.1rem); display: flex; flex-direction: column; flex: 1; }
.card--product .card__strip { height: 4px; background: linear-gradient(90deg, var(--emerald), var(--emerald-deep)); }

/* --- numbered steps ----------------------------------------------------- */
.steps { counter-reset: step; display: grid; gap: 0; }
.steps--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 860px) { .steps--3 { grid-template-columns: 1fr; } }

.step {
  counter-increment: step;
  position: relative;
  padding: 2.4rem clamp(1.2rem, 2.5vw, 2.2rem) 2.4rem 0;
  border-top: 2px solid var(--emerald);
}
.steps--3 .step + .step { padding-left: clamp(1.2rem, 2.5vw, 2.2rem); }
@media (min-width: 861px) {
  .steps--3 .step + .step { border-left: 1px solid var(--hairline); }
  .section--light .steps--3 .step + .step { border-left-color: rgba(10, 27, 42, 0.14); }
}
@media (max-width: 860px) { .step { padding-right: 0; } }

.step::before {
  content: '0' counter(step);
  display: block;
  font-family: var(--body);
  font-variant-numeric: tabular-nums;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  color: var(--emerald-deep);
  margin-bottom: 1.4rem;
}
.section--light .step::before { color: var(--emerald-deep); }
.step h3 { margin-bottom: 0.6rem; }
.step p { color: var(--muted); font-size: 0.95rem; }
.section--light .step p { color: var(--muted); }

/* --- feature list ------------------------------------------------------- */
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.9rem; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.97rem;
  line-height: 1.5;
}
.checklist svg { flex-shrink: 0; margin-top: 4px; color: var(--emerald-deep); }
.section--light .checklist svg { color: var(--emerald-deep); }

/* --- split feature ------------------------------------------------------ */
.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split--reverse > *:first-child { order: 2; }
@media (max-width: 900px) { .split--reverse > *:first-child { order: 0; } }

.stat-slab {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--hairline);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stat-slab > div { background: var(--surface); padding: clamp(1.4rem, 2.6vw, 2rem); }
.section--light .stat-slab > div { background: #fff; }
.section--light .stat-slab { background: rgba(10, 27, 42, 0.12); border-color: rgba(10, 27, 42, 0.12); }
.stat-slab b {
  display: block;
  font-family: var(--display);
  font-size: clamp(2rem, 3.6vw, 2.9rem);
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
  margin-bottom: 0.5rem;
}
.stat-slab span { font-size: 0.85rem; color: var(--muted); line-height: 1.4; display: block; }
.section--light .stat-slab span { color: var(--muted); }

/* --- testimonials ------------------------------------------------------- */
.quote {
  display: flex;
  flex-direction: column;
  padding: clamp(1.6rem, 2.8vw, 2.2rem);
  background: var(--surface);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-lg);
}
.section--light .quote { background: #fff; border-color: rgba(10, 27, 42, 0.1); box-shadow: var(--shadow-card); }
.quote__stars { color: var(--amber); letter-spacing: 0.15em; font-size: 0.9rem; margin-bottom: 1rem; }
.quote blockquote {
  margin: 0 0 1.5rem;
  font-family: var(--display);
  font-size: 1.12rem;
  line-height: 1.45;
  letter-spacing: -0.015em;
}
.quote figcaption { margin-top: auto; font-size: 0.85rem; color: var(--muted); }
.section--light .quote figcaption { color: var(--muted); }
.quote figcaption b { display: block; color: inherit; font-size: 0.92rem; }
.section--light .quote figcaption b { color: var(--text); }

/* --- accordion ---------------------------------------------------------- */
.accordion { border-top: 1px solid var(--hairline); }
.section--light .accordion { border-top-color: rgba(10, 27, 42, 0.14); }

.accordion details {
  border-bottom: 1px solid var(--hairline);
}
.section--light .accordion details { border-bottom-color: rgba(10, 27, 42, 0.14); }

.accordion summary {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.35rem 0;
  cursor: pointer;
  list-style: none;
  font-family: var(--display);
  font-size: 1.1rem;
  font-weight: 500;
  letter-spacing: -0.015em;
  line-height: 1.35;
  transition: color 0.2s var(--ease);
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary:hover { color: var(--emerald-deep); }
.section--light .accordion summary:hover { color: var(--emerald-deep); }

.accordion summary::after {
  content: '+';
  flex-shrink: 0;
  font-family: var(--body);
  font-size: 1.5rem;
  font-weight: 400;
  line-height: 1;
  color: var(--emerald-deep);
  transition: transform 0.25s var(--ease);
}
.accordion details[open] summary::after { transform: rotate(45deg); }
.accordion .accordion__body {
  padding-bottom: 1.5rem;
  color: var(--muted);
  font-size: 0.97rem;
  max-width: 78ch;
}
.section--light .accordion__body { color: var(--muted); }

/* --- CTA band ----------------------------------------------------------- */
.cta-band {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(700px 380px at 85% 15%, rgba(16, 185, 129, 0.16), transparent 65%),
    var(--bg-tint);
  padding-block: clamp(3.5rem, 7vw, 5.5rem);
  border-block: 1px solid var(--hairline);
}
.cta-band__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.cta-band h2 { margin-bottom: 0.5rem; }
.cta-band p { color: var(--muted); max-width: 48ch; }
.cta-band__actions { display: flex; gap: 0.8rem; flex-wrap: wrap; }

/* --- footer ------------------------------------------------------------- */
.footer {
  background: var(--bg-soft);
  border-top: 1px solid var(--hairline);
  padding-block: clamp(3rem, 6vw, 4.5rem) 2rem;
  font-size: 0.9rem;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 2.5rem clamp(1.5rem, 3vw, 3rem);
  padding-bottom: 2.75rem;
}
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }

.footer h4 {
  font-family: var(--body);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 1.1rem;
}
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.65rem; }
.footer a { text-decoration: none; color: var(--text); transition: color 0.2s var(--ease); }
.footer a:hover { color: var(--emerald-deep); }
.footer__about p { color: var(--muted); font-size: 0.9rem; max-width: 40ch; margin-top: 1.1rem; }
.footer__contact { margin-top: 1.5rem; display: grid; gap: 0.5rem; font-size: 0.9rem; }
.footer__contact b { font-variant-numeric: tabular-nums; }

.footer__legal {
  border-top: 1px solid var(--hairline);
  padding-top: 1.75rem;
  display: flex;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 0.82rem;
}
.footer__legal nav { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer__disclosure {
  margin-top: 1.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--hairline);
  color: var(--muted);
  font-size: 0.76rem;
  line-height: 1.65;
  max-width: 108ch;
}
.footer__disclosure h4 { margin-bottom: 0.85rem; }
.footer__disclosure p { margin-bottom: 0.9rem; }
.footer__disclosure p:last-child { margin-bottom: 0; }
/* Bold carries the two claims a reader must not miss: not a lender, no fees. */
.footer__disclosure b { color: var(--text); font-weight: 600; }
.footer__disclosure a { color: var(--muted); text-decoration: underline; }
.footer__disclosure a:hover { color: var(--emerald-deep); }

/* --- page header (inner pages) ------------------------------------------ */
.pagehead {
  position: relative;
  overflow: hidden;
  padding-block: clamp(3.5rem, 7vw, 5.5rem);
  background:
    radial-gradient(900px 480px at 80% 0%, rgba(16, 185, 129, 0.12), transparent 60%),
    var(--bg);
  border-bottom: 1px solid var(--hairline);
}
.pagehead__inner { max-width: 74ch; position: relative; z-index: 1; }
.pagehead h1 { font-size: clamp(2.4rem, 5.2vw, 4rem); }
.crumbs { font-size: 0.8rem; color: var(--muted); margin-bottom: 1.5rem; }
.crumbs a { text-decoration: none; }
.crumbs a:hover { color: var(--emerald-deep); }
.crumbs span { opacity: 0.5; margin-inline: 0.5rem; }

/* --- prose (legal pages) ------------------------------------------------ */
.prose { max-width: 76ch; }
.prose h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-top: 2.75rem; }
.prose h3 { font-size: 1.15rem; margin-top: 1.75rem; }
.prose > :first-child { margin-top: 0; }
.prose p, .prose li { color: var(--muted); }
.section--light .prose p, .section--light .prose li { color: var(--muted); }
.prose ul, .prose ol { padding-left: 1.2rem; display: grid; gap: 0.55rem; margin-bottom: 1.3rem; }
.prose a { color: var(--emerald-deep); }
.section--light .prose a { color: var(--emerald-deep); }

/* --- entrance animation ------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(18px);
}
.reveal.is-in {
  opacity: 1;
  transform: none;
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal:nth-child(2) { transition-delay: 0.07s; }
.reveal:nth-child(3) { transition-delay: 0.14s; }
.reveal:nth-child(4) { transition-delay: 0.21s; }

.hero .reveal { animation: rise 0.8s var(--ease) forwards; opacity: 0; }
.hero__copy .reveal:nth-child(1) { animation-delay: 0.05s; }
.hero__copy .reveal:nth-child(2) { animation-delay: 0.14s; }
.hero__copy .reveal:nth-child(3) { animation-delay: 0.23s; }
.hero__copy .reveal:nth-child(4) { animation-delay: 0.32s; }
.hero__copy .reveal:nth-child(5) { animation-delay: 0.41s; }
.hero > .shell > .hero__grid > .calc-wrap.reveal { animation-delay: 0.3s; }

@keyframes rise {
  from { opacity: 0; transform: translateY(22px); }
  to { opacity: 1; transform: none; }
}

/* --- utilities ---------------------------------------------------------- */
.stack { display: grid; gap: 1.5rem; }
.stack--sm { gap: 0.9rem; }
.actions { display: flex; gap: 0.8rem; flex-wrap: wrap; align-items: center; }
.mt-lg { margin-top: clamp(2rem, 4vw, 3rem); }
.mt-md { margin-top: 1.75rem; }
.text-muted { color: var(--muted); }
.section--light .text-muted { color: var(--muted); }
.sr-only {
  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: 0.5rem;
  top: -60px;
  z-index: 200;
  padding: 0.7rem 1.1rem;
  background: var(--amber);
  color: var(--ink-950);
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius);
  transition: top 0.2s var(--ease);
}
.skip-link:focus { top: 0.5rem; }