/* ─────────────────────────────────────────────────────────────
   House of Mortgage — site styles (Brand System v4)
   Palette: Aurora Forest #053931 · Obsidian #0E0E0E · Chalk #F8F6F1 · Warm Sand #C4B8A4
   Type: Cormorant Garamond (display) · Montserrat (UI/body) · DM Mono (data)
───────────────────────────────────────────────────────────── */
:root{
  --forest:#053931; --forest-deep:#032A24; --forest-soft:rgba(5,57,49,.08);
  --obsidian:#0E0E0E; --chalk:#F8F6F1; --sand:#C4B8A4; --sand-light:#EDE8DF; --sand-dark:#A09080;
  --mid:#6F6F68; --mid-grey:#888880; --line:rgba(14,14,14,.08); --line-dark:rgba(255,255,255,.08);
  --serif:'Cormorant Garamond',Georgia,'Times New Roman',serif;
  --sans:'Montserrat',system-ui,-apple-system,'Segoe UI',Helvetica,Arial,sans-serif;
  --mono:'DM Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
  --wrap:1180px; --gutter:clamp(20px,5vw,56px); --radius:4px;
  --shadow:0 24px 60px rgba(14,14,14,.12); --shadow-sm:0 8px 24px rgba(14,14,14,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{background:var(--chalk);color:var(--obsidian);font-family:var(--sans);font-weight:400;font-size:15px;line-height:1.7;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--forest);color:var(--chalk);padding:10px 16px;z-index:1000}
.skip:focus{left:8px}

/* ── Type ── */
.eyebrow{font-size:10px;letter-spacing:4.5px;text-transform:uppercase;font-weight:600;color:var(--forest);margin-bottom:16px;display:block}
.dark .eyebrow,.forest .eyebrow{color:var(--sand)}
h1,h2,.display{font-family:var(--serif);font-weight:400;letter-spacing:-.5px;line-height:1.08}
h1{font-size:clamp(42px,6vw,74px);font-weight:300;letter-spacing:-1px}
h2{font-size:clamp(34px,4.4vw,52px);margin-bottom:18px}
h3{font-family:var(--serif);font-weight:400;font-size:26px;line-height:1.2}
h2 em,h1 em,.display em{font-style:italic;color:var(--forest)}
.dark h2 em,.dark h1 em,.forest h2 em{color:var(--sand)}
.lede{font-size:16px;line-height:1.8;color:var(--mid);font-weight:300;max-width:560px}
.dark .lede,.forest .lede{color:rgba(255,255,255,.6)}
.sub{font-size:13px;line-height:1.8;color:var(--mid-grey)}
.fine{font-size:11.5px;line-height:1.7;color:var(--mid-grey);font-weight:400}
.dark .fine{color:rgba(255,255,255,.38)}
.mono{font-family:var(--mono)}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-size:11px;letter-spacing:3px;text-transform:uppercase;font-weight:600;padding:16px 30px;border:1px solid transparent;border-radius:2px;transition:background .2s,color .2s,border-color .2s,transform .2s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--forest);color:var(--chalk);border-color:var(--forest)}
.btn-primary:hover{background:var(--forest-deep);border-color:var(--forest-deep)}
.btn-sand{background:var(--sand);color:var(--obsidian);border-color:var(--sand)}
.btn-sand:hover{background:#D4CAB8}
.btn-outline{background:transparent;color:var(--obsidian);border-color:rgba(14,14,14,.3)}
.btn-outline:hover{border-color:var(--obsidian)}
.dark .btn-outline,.forest .btn-outline{color:var(--chalk);border-color:rgba(255,255,255,.3)}
.dark .btn-outline:hover,.forest .btn-outline:hover{border-color:var(--chalk)}
.btn-ghost{background:transparent;color:var(--forest);padding:14px 0;border:0;border-bottom:1px solid rgba(5,57,49,.35);border-radius:0}
.dark .btn-ghost{color:var(--sand);border-bottom-color:rgba(196,184,164,.4)}
.btn-ghost:hover{border-bottom-color:currentColor}
.btn-block{width:100%}

/* ── Header ── */
.site-header{position:sticky;top:0;z-index:100;background:rgba(248,246,241,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}
.brand{display:flex;align-items:center;gap:14px}
.brand img{height:34px;width:auto}
.brand-word{display:flex;flex-direction:column;line-height:1.1}
.brand-word .t{font-weight:700;font-size:11px;letter-spacing:3.5px;color:var(--obsidian);text-transform:uppercase}
.brand-word .b{font-weight:400;font-size:9px;letter-spacing:3.5px;color:var(--forest);text-transform:uppercase}
.nav{display:flex;align-items:center;gap:34px;list-style:none}
.nav>li{position:relative}
.nav a,.nav button{font-size:10.5px;letter-spacing:3px;text-transform:uppercase;color:rgba(14,14,14,.62);font-weight:600;background:none;border:0;padding:10px 0;display:inline-flex;align-items:center;gap:6px;transition:color .2s}
.nav a:hover,.nav button:hover,.nav li:focus-within>button,.nav a.active{color:var(--forest)}
.nav .caret{width:8px;height:8px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.menu{position:absolute;top:100%;left:-16px;min-width:290px;background:#fff;border:1px solid var(--line);padding:10px 0;display:none;box-shadow:var(--shadow)}
.menu .mh{font-size:8.5px;letter-spacing:3px;text-transform:uppercase;color:var(--mid-grey);font-weight:700;padding:10px 20px 4px}
.menu hr{border:0;border-top:1px solid var(--line);margin:8px 0}
.nav li:hover .menu,.nav li:focus-within .menu{display:block}
.menu a{display:block;padding:10px 20px;letter-spacing:2px;font-size:10px}
.menu a:hover{background:var(--sand-light);color:var(--forest)}
.header-cta .btn{padding:13px 22px;font-size:10px}
.hamburger{display:none;background:none;border:0;width:44px;height:44px;flex-direction:column;justify-content:center;gap:6px;align-items:center}
.hamburger span{display:block;width:22px;height:1.5px;background:var(--obsidian);transition:transform .25s,opacity .25s}
.mobile-nav{display:none;position:fixed;inset:72px 0 0 0;background:var(--forest);z-index:99;padding:36px var(--gutter);overflow:auto}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:14px 0;font-size:12px;letter-spacing:3px;text-transform:uppercase;color:var(--chalk);border-bottom:1px solid rgba(255,255,255,.08);font-weight:500}
.mobile-nav .group{font-size:9px;letter-spacing:4px;color:var(--sand);text-transform:uppercase;margin:26px 0 6px;font-weight:700}
.mobile-nav .btn{margin-top:30px}
.mobile-cta-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:98;padding:12px var(--gutter);background:rgba(248,246,241,.94);backdrop-filter:blur(8px);border-top:1px solid var(--line)}

/* ── Sections ── */
section{padding:clamp(72px,9vw,120px) 0;border-bottom:1px solid var(--line)}
section.dark{background:var(--obsidian);color:var(--chalk);border-bottom-color:var(--line-dark)}
section.forest{background:var(--forest);color:var(--chalk);border-bottom-color:rgba(255,255,255,.06)}
section.sand{background:var(--sand-light)}
.section-head{max-width:720px;margin-bottom:clamp(36px,5vw,64px)}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .lede{margin:0 auto}
.divider{width:40px;height:2px;background:var(--forest);margin:22px 0 26px}
.dark .divider,.forest .divider{background:var(--sand)}

/* ── Hero ── */
.hero{background:var(--chalk);color:var(--obsidian);position:relative;overflow:hidden;border-bottom:1px solid var(--line);padding:clamp(64px,8vw,112px) 0 clamp(64px,8vw,104px)}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 85% 30%,rgba(5,57,49,.10) 0%,transparent 50%),radial-gradient(ellipse at 5% 95%,rgba(196,184,164,.35) 0%,transparent 45%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(36px,6vw,80px);align-items:center}
.hero h1{color:var(--obsidian);margin:0 0 22px}
.hero h1 em{color:var(--forest)}
.hero .lede{color:var(--mid);margin-bottom:34px}
.hero-actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.hero-stats{display:grid;grid-template-columns:repeat(3,auto);gap:36px;margin-top:52px;padding-top:32px;border-top:1px solid var(--line);width:fit-content}
.stat .n{font-family:var(--serif);font-size:38px;font-weight:400;color:var(--forest);line-height:1}
.stat .l{font-size:9.5px;letter-spacing:3px;text-transform:uppercase;color:var(--mid-grey);margin-top:8px;font-weight:600}
.hero-note{margin-top:22px;font-size:10px;letter-spacing:3px;text-transform:uppercase;color:var(--forest);font-weight:600;display:flex;align-items:center;gap:10px}
.hero-note::before{content:'';width:18px;height:1px;background:var(--forest)}

/* Borrower card */
.bcard{background:#fff;color:var(--obsidian);border-radius:6px;border:1px solid var(--line);box-shadow:0 30px 70px rgba(14,14,14,.14);overflow:hidden;max-width:470px;margin-left:auto}
.bcard-top{background:var(--forest);color:var(--chalk);padding:22px 26px;display:flex;justify-content:space-between;align-items:center}
.bcard-top .who{font-family:var(--serif);font-size:24px;line-height:1.1}
.bcard-top .what{font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;color:var(--sand);margin-top:6px;font-weight:600}
.bcard-top .pill{font-size:9px;letter-spacing:2px;text-transform:uppercase;background:rgba(255,255,255,.1);padding:6px 10px;border-radius:2px;font-weight:600;white-space:nowrap}
.bcard-rate{padding:24px 26px 8px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.bcard-rate .big{font-family:var(--serif);font-size:44px;line-height:1;color:var(--forest)}
.bcard-rate .lab{font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--mid-grey);font-weight:600;margin-bottom:8px}
.bcard-rate .apr{font-family:var(--mono);font-size:13px;color:var(--obsidian);margin-top:12px}
.bcard-rate .apr a{color:var(--forest);border-bottom:1px solid rgba(5,57,49,.3)}
.bcard-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:14px 26px 0}
.bcard-grid div{padding:16px 0}
.bcard-grid .lab{font-size:8.5px;letter-spacing:2.5px;text-transform:uppercase;color:var(--mid-grey);font-weight:600}
.bcard-grid .v{font-family:var(--mono);font-size:14px;margin-top:6px}
.bcard-prog{padding:18px 26px 22px}
.bcard-prog .row{display:flex;justify-content:space-between;font-size:10px;letter-spacing:2px;text-transform:uppercase;font-weight:600;margin-bottom:10px;color:var(--obsidian)}
.bcard-prog .bar{height:4px;background:var(--sand-light);border-radius:2px;overflow:hidden}
.bcard-prog .bar i{display:block;height:100%;width:72%;background:var(--forest)}
.bcard-foot{padding:12px 26px;background:var(--sand-light);font-size:10px;color:var(--mid-grey);letter-spacing:.3px}

/* ── Paths ── */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.path{background:#fff;border:1px solid var(--line);padding:44px 40px 40px;border-radius:var(--radius);display:flex;flex-direction:column;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
.path::after{content:'';position:absolute;left:0;top:0;width:4px;height:100%;background:var(--forest)}
.path .icon{width:44px;height:44px;border:1px solid rgba(5,57,49,.25);display:flex;align-items:center;justify-content:center;margin-bottom:26px;color:var(--forest)}
.path h3{margin-bottom:14px}
.path p{color:var(--mid);font-size:14px;line-height:1.8;font-weight:300;flex:1;margin-bottom:30px}

/* ── Steps ── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line-dark)}
.step{padding:38px 28px 36px 0;border-right:1px solid var(--line-dark)}
.step:last-child{border-right:0}
.step+.step{padding-left:28px}
.step .num{font-family:var(--serif);font-size:48px;color:var(--sand);line-height:1;font-weight:300}
.step h3{font-family:var(--sans);font-size:14px;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin:20px 0 12px;color:var(--chalk)}
.step p{font-size:13px;line-height:1.8;color:rgba(255,255,255,.5);font-weight:300}

/* ── Loan types ── */
.loans{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line)}
.loan{background:var(--chalk);padding:36px 32px;display:flex;flex-direction:column;gap:12px;transition:background .2s}
.loan:hover{background:#fff}
.loan .tag{font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--forest);font-weight:700}
.loan h3{font-size:28px}
.loan p{font-size:13.5px;color:var(--mid);line-height:1.8;font-weight:300;flex:1}
.loan .hl{font-family:var(--mono);font-size:12px;color:var(--obsidian);padding-top:14px;border-top:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}
.loan .hl a{color:var(--forest);font-family:var(--sans);font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:600}
.loan.cta-cell{background:var(--forest);color:var(--chalk);justify-content:center}
.loan.cta-cell h3{color:var(--chalk)}
.loan.cta-cell p{color:rgba(255,255,255,.6)}

/* ── Rates ── */
.rates-table{width:100%;border-collapse:collapse;background:#fff;box-shadow:var(--shadow-sm);border-radius:var(--radius);overflow:hidden}
.rates-table th{font-size:9.5px;letter-spacing:3px;text-transform:uppercase;color:var(--mid-grey);font-weight:600;text-align:left;padding:18px 22px;border-bottom:1px solid var(--line);background:var(--sand-light)}
.rates-table td{padding:22px;border-bottom:1px solid var(--line);font-family:var(--mono);font-size:14px;vertical-align:middle}
.rates-table tr:last-child td{border-bottom:0}
.rates-table td.prog{font-family:var(--serif);font-size:22px}
.rates-table td.rate{color:var(--forest);font-size:22px;font-family:var(--serif)}
.rates-table td.pts small{display:block;color:var(--mid-grey);font-size:11px;margin-top:2px}
.rates-meta{display:flex;justify-content:space-between;align-items:center;margin-top:18px;flex-wrap:wrap;gap:12px}
.rates-meta .stamp{font-family:var(--mono);font-size:11px;color:var(--mid-grey)}
.rates-cards{display:none}

/* ── Calculator ── */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;background:#fff;box-shadow:var(--shadow);border-radius:6px;overflow:hidden}
.calc-in{padding:44px 40px;border-right:1px solid var(--line)}
.calc-out{padding:44px 40px;background:var(--obsidian);color:var(--chalk)}
.field{margin-bottom:28px}
.field label{display:flex;justify-content:space-between;font-size:9.5px;letter-spacing:3px;text-transform:uppercase;font-weight:600;color:var(--mid-grey);margin-bottom:10px}
.field label output{font-family:var(--mono);color:var(--obsidian);letter-spacing:0;font-size:13px;text-transform:none}
.field input[type=text],.field input[type=number],.field select{width:100%;font-family:var(--mono);font-size:18px;padding:14px 16px;border:1px solid rgba(14,14,14,.18);border-radius:2px;background:var(--chalk);color:var(--obsidian)}
.field input:focus,.field select:focus{outline:2px solid var(--forest);outline-offset:1px}
input[type=range]{width:100%;margin-top:12px;accent-color:var(--forest)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
details.adv summary{cursor:pointer;font-size:9.5px;letter-spacing:3px;text-transform:uppercase;font-weight:600;color:var(--forest);list-style:none;display:flex;gap:8px;align-items:center;margin:6px 0 22px}
details.adv summary::-webkit-details-marker{display:none}
details.adv summary::after{content:'+';font-size:16px;line-height:1}
details.adv[open] summary::after{content:'–'}
.calc-out .lab{font-size:9.5px;letter-spacing:3px;text-transform:uppercase;font-weight:600;color:var(--sand)}
.calc-out .total{font-family:var(--serif);font-size:clamp(48px,5vw,64px);line-height:1;margin:14px 0 6px}
.calc-out .total small{font-size:20px;color:rgba(255,255,255,.5)}
.calc-out .cfg{font-family:var(--mono);font-size:12px;color:rgba(255,255,255,.5);margin-bottom:28px}
.breakdown{border-top:1px solid var(--line-dark)}
.breakdown div{display:flex;justify-content:space-between;padding:13px 0;border-bottom:1px solid var(--line-dark);font-size:13px}
.breakdown div span:last-child{font-family:var(--mono)}
.breakdown div span:first-child{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.7)}
.breakdown i{width:8px;height:8px;display:inline-block;border-radius:1px}
.calc-out .btn{margin-top:28px}
.calc-bar{display:flex;height:6px;border-radius:3px;overflow:hidden;margin-bottom:22px;background:rgba(255,255,255,.08)}
.calc-bar i{display:block;height:100%}

/* ── Why ── */
.why{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(36px,6vw,80px);align-items:start}
.why .feat{display:grid;grid-template-columns:1fr 1fr;gap:28px 32px;margin-top:40px}
.why .feat div{padding-top:18px;border-top:2px solid var(--sand)}
.why .feat h4{font-size:11px;letter-spacing:2.5px;text-transform:uppercase;font-weight:700;color:var(--chalk);margin-bottom:10px}
.why .feat p{font-size:13px;line-height:1.8;color:rgba(255,255,255,.55);font-weight:300}
.why-stats{background:var(--forest);border:0;padding:10px 36px;border-radius:var(--radius)}
.why-stats div{padding:26px 0;border-bottom:1px solid var(--line-dark)}
.why-stats div:last-child{border-bottom:0}
.why-stats .n{font-family:var(--serif);font-size:52px;line-height:1;color:var(--sand)}
.why-stats .l{font-size:10px;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:8px;font-weight:500}
.why-stats .f{font-size:10.5px;color:rgba(255,255,255,.32);margin-top:4px;line-height:1.5}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.chip{font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:600;padding:9px 14px;border:1px solid rgba(255,255,255,.2);color:var(--chalk);border-radius:2px}
.chip b{color:var(--sand);font-weight:700}

/* ── Testimonials ── */
.quotes{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.quote{background:#fff;border:1px solid var(--line);padding:40px;border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.quote blockquote{font-family:var(--serif);font-size:25px;line-height:1.35;margin-bottom:28px}
.quote blockquote::before{content:'“';color:var(--sand);font-size:40px;line-height:0;vertical-align:-10px;margin-right:4px}
.who{display:flex;align-items:center;gap:14px}
.who .av{width:44px;height:44px;border-radius:50%;background:var(--forest);color:var(--chalk);display:flex;align-items:center;justify-content:center;font-size:12px;letter-spacing:1px;font-weight:700}
.who .nm{font-size:13px;font-weight:700;letter-spacing:.5px}
.who .meta{font-size:11px;color:var(--mid-grey);letter-spacing:1px;text-transform:uppercase;margin-top:3px}

/* ── FAQ ── */
.faq{max-width:820px;margin:0 auto;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:26px 0;font-family:var(--serif);font-size:24px;line-height:1.25}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';font-family:var(--sans);font-size:22px;color:var(--forest);font-weight:300;transition:transform .2s;flex-shrink:0}
.faq details[open] summary::after{content:'×'}
.faq .a{padding:0 0 28px;font-size:14.5px;line-height:1.85;color:var(--mid);font-weight:300;max-width:700px}

/* ── Final CTA ── */
.final{text-align:center;border-bottom:0}
.final h2{color:var(--chalk);font-size:clamp(38px,5vw,60px)}
.final .lede{margin:0 auto 36px;color:rgba(255,255,255,.6)}
.final .actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}

/* ── Footer ── */
.site-footer{background:var(--obsidian);color:var(--chalk);padding:72px 0 40px;border-top:1px solid var(--line-dark)}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid var(--line-dark)}
.foot-brand img{height:56px;width:auto;margin-bottom:20px}
.foot-brand p{font-size:13px;line-height:1.8;color:rgba(255,255,255,.5);font-weight:300;max-width:340px}
.foot-brand address{font-style:normal;margin-top:22px;font-family:var(--mono);font-size:12px;line-height:1.9;color:rgba(255,255,255,.45)}
.foot-brand address a:hover{color:var(--chalk)}
.foot-col h4{font-size:9.5px;letter-spacing:4px;text-transform:uppercase;color:var(--sand);font-weight:700;margin-bottom:18px}
.foot-col a{display:block;font-size:13px;color:rgba(255,255,255,.6);padding:6px 0;font-weight:300}
.foot-col a:hover{color:var(--chalk)}
.foot-legal{padding-top:34px}
.foot-legal .row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center;margin-bottom:26px}
.foot-legal .copy{font-size:12px;color:rgba(255,255,255,.45)}
.ehl{display:flex;align-items:center;gap:10px;font-size:10px;letter-spacing:2.5px;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:600}
.ehl svg{width:26px;height:26px}
.foot-legal p{font-size:11.5px;line-height:1.75;color:rgba(255,255,255,.36);margin-bottom:14px;max-width:1100px}
.foot-legal p b{color:rgba(255,255,255,.5);font-weight:600}

/* ── Legal pages ── */
.page-hero{background:var(--obsidian);color:var(--chalk);padding:72px 0 56px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 10% 100%,rgba(5,57,49,.6),transparent 55%)}
.page-hero .wrap{position:relative}
.page-hero h1{font-size:clamp(38px,5vw,60px);font-weight:300}
.page-hero .sub{color:rgba(255,255,255,.5);margin-top:14px;font-family:var(--mono);font-size:12px}
.legal{max-width:840px;padding-top:64px;padding-bottom:96px}
.legal h2{font-size:30px;margin:44px 0 14px}
.legal h3{font-size:22px;margin:28px 0 10px}
.legal p,.legal li{font-size:14.5px;line-height:1.85;color:#3A3A36;font-weight:400;margin-bottom:14px}
.legal ul,.legal ol{padding-left:22px;margin-bottom:16px}
.legal li{margin-bottom:6px}
.legal table{width:100%;border-collapse:collapse;font-size:13px;margin:18px 0 28px;background:#fff}
.legal th,.legal td{text-align:left;padding:12px 14px;border:1px solid var(--line);vertical-align:top}
.legal th{background:var(--sand-light);font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:700}
.legal .callout{background:var(--sand-light);border-left:3px solid var(--forest);padding:20px 24px;margin:24px 0}
.legal .callout p{margin-bottom:0}
.legal a{color:var(--forest);border-bottom:1px solid rgba(5,57,49,.3)}
.legal .meta{font-family:var(--mono);font-size:12px;color:var(--mid-grey);margin-bottom:30px}
.table-scroll{overflow-x:auto}

/* ── Reveal ── */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ── Responsive ── */
@media (max-width:1024px){
  .steps{grid-template-columns:1fr 1fr}
  .step{border-right:0;border-bottom:1px solid var(--line-dark)}
  .step+.step{padding-left:0}
  .step:nth-child(odd){border-right:1px solid var(--line-dark);padding-right:28px}
  .step:nth-child(even){padding-left:28px}
  .loans{grid-template-columns:1fr 1fr}
  .why{grid-template-columns:1fr}
}
@media (max-width:900px){
  .nav,.header-cta{display:none}
  .hamburger{display:flex}
  .mobile-cta-bar{display:block}
  body{padding-bottom:72px}
  .hero .wrap{grid-template-columns:1fr}
  .bcard{margin:0 auto}
  .paths,.quotes,.calc{grid-template-columns:1fr}
  .calc-in{border-right:0;border-bottom:1px solid var(--line)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .rates-table{display:none}
  .rates-cards{display:grid;gap:14px}
  .rcard{background:#fff;border:1px solid var(--line);padding:22px;border-radius:var(--radius)}
  .rcard .p{font-family:var(--serif);font-size:22px;margin-bottom:12px}
  .rcard dl{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;font-family:var(--mono);font-size:13px}
  .rcard dt{font-family:var(--sans);font-size:8.5px;letter-spacing:2.5px;text-transform:uppercase;color:var(--mid-grey);font-weight:600}
  .rcard dd{color:var(--forest)}
}
@media (max-width:600px){
  .brand-word{display:none}
  .hero-stats{grid-template-columns:repeat(3,1fr);gap:16px;width:100%}
  .stat .n{font-size:30px}
  .steps,.loans{grid-template-columns:1fr}
  .step:nth-child(odd){border-right:0;padding-right:0}
  .step:nth-child(even){padding-left:0}
  .foot-grid{grid-template-columns:1fr}
  .why .feat{grid-template-columns:1fr}
  .bcard-grid{grid-template-columns:1fr 1fr}
  .hero-actions .btn{width:100%}
  .final .actions .btn{width:100%}
  .path,.quote{padding:30px 24px}
  .calc-in,.calc-out{padding:30px 22px}
  .faq summary{font-size:20px}
}

/* ── Light 'why' section ── */
section.why-light{background:var(--sand-light)}
.why-light .feat div{border-top-color:var(--forest)}
.why-light .feat h4{color:var(--obsidian)}
.why-light .feat p{color:var(--mid)}
.why-light .chip{border-color:rgba(5,57,49,.25);color:var(--obsidian)}
.why-light .chip b{color:var(--forest)}
.why-light .eyebrow{color:var(--forest)}
.why-light h2 em{color:var(--forest)}
.why-light .lede{color:var(--mid)}
/* Final CTA on forest */
section.final.forest{border-bottom:0}
.final.forest h2 em{color:var(--sand)}
.final.forest .lede{color:rgba(255,255,255,.65)}

/* ── Page hero (light variant) ── */
.page-hero.light{background:var(--chalk);color:var(--obsidian);padding:64px 0 48px;border-bottom:0}
.page-hero.light::before{background:radial-gradient(ellipse at 50% 0%,rgba(5,57,49,.08),transparent 60%)}
.page-hero.light h1 em{color:var(--forest)}
.page-hero.light .sub{color:var(--mid-grey)}

/* ── Calculators page ── */
.toggle{display:inline-flex;background:#fff;border:1px solid var(--line);border-radius:999px;padding:5px;margin:0 auto 36px;box-shadow:var(--shadow-sm);position:relative;left:50%;transform:translateX(-50%)}
.toggle button{border:0;background:transparent;border-radius:999px;padding:12px 22px;font-size:10.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:600;color:var(--mid);transition:background .2s,color .2s}
.toggle button.on{background:var(--forest);color:var(--chalk)}
.calc-title{font-size:34px;margin-bottom:24px}
.calc2{display:grid;grid-template-columns:1.55fr 1fr;gap:24px;align-items:start}
.calc2-in{background:#fff;border:1px solid var(--line);border-radius:6px;padding:36px;box-shadow:var(--shadow-sm)}
.calc2-out{background:var(--obsidian);color:var(--chalk);border-radius:6px;padding:34px 30px;position:sticky;top:92px}
.grp{font-size:9.5px;letter-spacing:3px;text-transform:uppercase;font-weight:700;color:var(--forest);margin:8px 0 18px;display:flex;align-items:center;gap:10px}
.grp::before{content:'';width:18px;height:1px;background:var(--forest)}
.grp:not(:first-child){margin-top:30px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.f3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:18px}
.calc2-in .field{margin-bottom:20px}
.calc2-in .field label{font-size:12px;letter-spacing:0;text-transform:none;font-weight:600;color:var(--obsidian);margin-bottom:8px;display:flex;justify-content:space-between;gap:10px}
.calc2-in .field label small{font-weight:400;color:var(--mid-grey);font-size:11px}
.calc2-in .field label output{font-family:var(--mono);font-size:12px;color:var(--obsidian)}
.inp{display:flex;align-items:center;border:1px solid rgba(14,14,14,.18);border-radius:3px;background:#fff;overflow:hidden}
.inp:focus-within{outline:2px solid var(--forest);outline-offset:1px}
.inp span{padding:0 12px;color:var(--mid-grey);font-size:12px;font-family:var(--mono);white-space:nowrap}
.inp input{border:0!important;outline:none!important;flex:1;min-width:0;padding:13px 12px!important;font-family:var(--mono);font-size:15px;background:transparent!important;color:var(--obsidian)}
.inp span+input{padding-left:0!important}
.inp input+span{padding-left:0}
.calc2-in select{width:100%;font-family:var(--sans);font-size:14px;padding:13px 14px;border:1px solid rgba(14,14,14,.18);border-radius:3px;background:#fff;color:var(--obsidian)}
.calc2-in input[type=number]{font-family:var(--mono)}
.segs{display:flex;gap:8px}
.seg{flex:1;border:1px solid rgba(14,14,14,.18);background:#fff;border-radius:3px;padding:9px 6px;font-size:12px;font-weight:600;color:var(--obsidian);display:flex;flex-direction:column;align-items:center;gap:2px;transition:all .15s}
.seg small{font-size:9px;color:var(--mid-grey);font-weight:500}
.seg.on{border-color:var(--forest);background:var(--forest-soft);color:var(--forest)}
.seg.on small{color:var(--forest)}
.mi-note{font-size:12px;line-height:1.7;color:var(--mid);background:var(--sand-light);padding:12px 16px;border-radius:3px;border-left:3px solid var(--forest);margin:4px 0 10px}
.mi-note:empty{display:none}
.calc2-in .fine{margin-top:8px}
.calc2-out .lab{font-size:9.5px;letter-spacing:3px;text-transform:uppercase;font-weight:600;color:var(--sand)}
.calc2-out .total{font-family:var(--serif);font-size:clamp(44px,4.5vw,58px);line-height:1;margin:12px 0 6px}
.calc2-out .total small{font-size:18px;color:rgba(255,255,255,.5);font-family:var(--sans)}
.calc2-out .cfg{font-size:13px;line-height:1.6;color:rgba(255,255,255,.6);margin-bottom:22px}
.calc2-out .rows{border-top:1px solid var(--line-dark);padding:8px 0;margin-bottom:10px}
.calc2-out .rows div{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:9px 0;font-size:13px}
.calc2-out .rows div span{color:rgba(255,255,255,.7)}
.calc2-out .rows div b{font-family:var(--mono);font-weight:400;color:var(--chalk);text-align:right}
.calc2-out .rows div.sub{padding:5px 0 5px 16px;font-size:12px}
.calc2-out .rows div.sub span{color:rgba(255,255,255,.45)}
.calc2-out .rows div.sub b{color:rgba(255,255,255,.7)}
.calc2-out .rows .mh{font-size:8.5px;letter-spacing:3px;text-transform:uppercase;color:var(--sand);font-weight:700;padding:10px 0 2px}
.ltv{margin:6px 0 22px}
.ltv-h{display:flex;justify-content:space-between;font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:600;color:rgba(255,255,255,.6);margin-bottom:10px}
.ltv-h b{color:var(--chalk);font-family:var(--mono);letter-spacing:0;font-size:12px}
.ltv-bar{height:7px;border-radius:4px;background:rgba(255,255,255,.1);position:relative}
.ltv-bar i{display:block;height:100%;border-radius:4px;background:linear-gradient(90deg,#7FA59B,var(--sand));transition:width .25s}
.ltv-bar i.hi{background:linear-gradient(90deg,#7FA59B,var(--sand) 70%,#E9B8A0)}
.ltv-bar em{position:absolute;top:-4px;width:2px;height:15px;background:var(--chalk);transform:translateX(-1px)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.compare div{border:1px solid var(--line-dark);border-radius:4px;padding:16px;display:flex;flex-direction:column;gap:4px}
.compare span{font-size:8.5px;letter-spacing:2.5px;text-transform:uppercase;color:var(--sand);font-weight:700}
.compare b{font-family:var(--serif);font-size:28px;font-weight:400}
.compare small{font-size:10px;color:rgba(255,255,255,.45)}
.debts .dh,.drow{display:grid;grid-template-columns:1.4fr 1.1fr .8fr 1fr 36px;gap:10px;align-items:center;margin-bottom:10px}
.debts .dh span{font-size:11px;font-weight:600;color:var(--obsidian)}
.drow select{padding:11px 12px;font-size:13px}
.drow .inp input{padding:11px 10px!important;font-size:14px}
.dx{border:1px solid rgba(14,14,14,.15);background:#fff;border-radius:3px;height:40px;color:var(--mid-grey);font-size:16px}
.dx:hover{color:#B04040;border-color:#B04040}
.add-debt{width:100%;border:1px dashed rgba(5,57,49,.5);background:transparent;color:var(--forest);padding:12px;font-size:11px;letter-spacing:2px;text-transform:uppercase;font-weight:600;border-radius:3px;margin-top:4px}
.add-debt:hover{background:var(--forest-soft)}
@media (max-width:980px){.calc2{grid-template-columns:1fr}.calc2-out{position:static}}
@media (max-width:640px){.f2,.f3{grid-template-columns:1fr}.toggle{display:flex;left:0;transform:none;width:100%}.toggle button{flex:1;padding:12px 8px;font-size:9.5px;letter-spacing:1.5px}.calc2-in{padding:22px 18px}.debts .dh{display:none}.drow{grid-template-columns:1fr 1fr;grid-template-rows:auto auto auto}.drow select{grid-column:1/3}.drow .dx{display:none}.calc-title{font-size:28px}}

/* ── Loan pages ── */
.lp-hero{background:var(--chalk);position:relative;overflow:hidden;padding:clamp(56px,7vw,96px) 0;border-bottom:1px solid var(--line)}
.lp-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 90% 20%,rgba(5,57,49,.10),transparent 50%),radial-gradient(ellipse at 0% 100%,rgba(196,184,164,.35),transparent 45%);pointer-events:none}
.lp-hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(32px,6vw,72px);align-items:center}
.crumbs{font-size:10px;letter-spacing:2.5px;text-transform:uppercase;color:var(--mid-grey);font-weight:600;margin-bottom:22px;display:flex;gap:10px;flex-wrap:wrap}
.crumbs a{color:var(--forest)}
.lp-hero h1{font-size:clamp(40px,5.2vw,66px)}
.lp-hero h1 em{color:var(--forest)}
.lp-hero .lede{margin:20px 0 30px}
.lp-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px;padding-top:28px;border-top:1px solid var(--line)}
.lp-stats .n{font-family:var(--serif);font-size:32px;color:var(--forest);line-height:1}
.lp-stats .l{font-size:9.5px;letter-spacing:2.5px;text-transform:uppercase;color:var(--mid-grey);font-weight:600;margin-top:8px}
.lp-visual{background:var(--forest);border-radius:6px;padding:36px;color:var(--chalk);box-shadow:var(--shadow);position:relative;overflow:hidden;min-height:340px;display:flex;flex-direction:column;justify-content:flex-end}
.lp-visual::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 80% 10%,rgba(196,184,164,.25),transparent 55%)}
.lp-visual .mark{position:absolute;top:28px;right:28px;width:54px;opacity:.9}
.lp-visual .kicker{font-size:9px;letter-spacing:4px;text-transform:uppercase;color:var(--sand);font-weight:700;margin-bottom:12px;position:relative}
.lp-visual .big{font-family:var(--serif);font-size:40px;line-height:1.05;position:relative}
.lp-visual .big em{color:var(--sand)}
.lp-visual .pts{position:relative;margin-top:22px;display:grid;gap:10px}
.lp-visual .pts div{display:flex;gap:12px;align-items:flex-start;font-size:13px;line-height:1.6;color:rgba(255,255,255,.8)}
.lp-visual .pts div::before{content:'';width:6px;height:6px;background:var(--sand);margin-top:8px;flex-shrink:0}
.lp-def{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,72px);align-items:start}
.lp-def p{font-size:15px;line-height:1.85;color:var(--mid);font-weight:300}
.bul{list-style:none;display:grid;gap:12px}
.bul li{display:flex;gap:14px;font-size:14px;line-height:1.7;color:var(--obsidian);padding:14px 18px;background:#fff;border:1px solid var(--line);border-radius:3px}
.bul li::before{content:'';width:8px;height:8px;background:var(--forest);flex-shrink:0;margin-top:8px}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cards2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:4px;padding:30px 28px;box-shadow:var(--shadow-sm)}
.card .ic{width:38px;height:38px;border:1px solid rgba(5,57,49,.25);display:flex;align-items:center;justify-content:center;color:var(--forest);margin-bottom:18px;font-family:var(--serif);font-size:18px}
.card h3{font-size:22px;margin-bottom:10px}
.card p{font-size:13.5px;line-height:1.8;color:var(--mid);font-weight:300}
.card .soon{display:inline-block;margin-top:12px;font-size:9px;letter-spacing:2.5px;text-transform:uppercase;color:var(--sand-dark);font-weight:700}
.card a.more{display:inline-block;margin-top:14px;font-size:10px;letter-spacing:2.5px;text-transform:uppercase;color:var(--forest);font-weight:600}
.req{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.req div{background:var(--chalk);padding:28px 26px}
.req h3{font-family:var(--sans);font-size:12px;letter-spacing:2px;text-transform:uppercase;font-weight:700;margin-bottom:10px;color:var(--forest)}
.req p{font-size:13.5px;line-height:1.8;color:var(--mid);font-weight:300}
.steps5{display:grid;grid-template-columns:repeat(5,1fr);gap:22px;counter-reset:s}
.steps5 div{padding-top:20px;border-top:2px solid var(--sand)}
.steps5 .num{font-family:var(--serif);font-size:34px;color:var(--forest);line-height:1;margin-bottom:12px}
.steps5 h3{font-family:var(--sans);font-size:13px;font-weight:700;letter-spacing:.5px;margin-bottom:8px}
.steps5 p{font-size:12.5px;line-height:1.75;color:var(--mid);font-weight:300}
.dark .steps5 div{border-top-color:rgba(255,255,255,.15)}
.dark .steps5 .num{color:var(--sand)}
.dark .steps5 h3{color:var(--chalk)}
.dark .steps5 p{color:rgba(255,255,255,.55)}
.lp-cta{background:var(--forest);color:var(--chalk);text-align:center}
.lp-cta h2 em{color:var(--sand)}
.lp-cta .lede{margin:0 auto 32px;color:rgba(255,255,255,.65)}
.lp-cta .actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.lp-quote{background:#fff;border-left:3px solid var(--forest);padding:30px 34px;border-radius:4px;max-width:820px;margin:0 auto;box-shadow:var(--shadow-sm)}
.lp-quote blockquote{font-family:var(--serif);font-size:24px;line-height:1.4;margin-bottom:18px}
.lp-disc h3{font-size:13px;letter-spacing:2px;text-transform:uppercase;font-family:var(--sans);font-weight:700;margin-bottom:14px;color:var(--obsidian)}
@media (max-width:1024px){.steps5{grid-template-columns:repeat(3,1fr)}.cards3{grid-template-columns:1fr 1fr}.req{grid-template-columns:1fr 1fr}}
@media (max-width:860px){.lp-hero .wrap,.lp-def{grid-template-columns:1fr}.lp-visual{min-height:0}}
@media (max-width:600px){.cards3,.cards2,.req,.steps5{grid-template-columns:1fr}.lp-stats{grid-template-columns:1fr 1fr 1fr;gap:10px}.lp-stats .n{font-size:24px}}
[hidden]{display:none!important}