/* Self-hosted fonts (no third-party font requests from a page that handles personal data) */
@font-face { font-family: "Source Serif 4"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/source-serif-4-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Source Serif 4"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/source-serif-4-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Source Serif 4"; font-style: italic; font-weight: 600; font-display: swap; src: url("../fonts/source-serif-4-latin-600-italic.woff2") format("woff2"); }
@font-face { font-family: "Source Serif 4"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/source-serif-4-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/inter-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/inter-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/inter-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/inter-latin-700-normal.woff2") format("woff2"); }

/* ==========================================================================
   American Unsecured — quiet, plain, trustworthy.
   One ink, one accent, white paper. No gradients, no mascots, no hype.
   ========================================================================== */

:root {
  --navy-900: #0b2653;
  --navy-800: #123068;
  --navy-700: #1b3d7d;
  --blue-600: #0b2653;   /* CTA: navy with gold text (brand assets) */
  --blue-500: #123068;   /* hover */
  --blue-100: #dde6f5;
  --blue-50:  #eef2fa;

  --red-600: #b53a3a;    /* errors only */
  --red-500: #b53a3a;
  --red-50:  #fbefef;

  --green-600: #1f7a52;
  --green-50:  #ebf6f0;

  --ink-900: #0b2653;
  --ink-700: #3a4756;
  --ink-500: #5f6d7c;
  --ink-400: #7f8c9a;
  --line:    #dfe5ec;
  --line-2:  #edf1f5;
  --surface: #ffffff;
  --bg:      #ffffff;
  --bg-tint: #f4f6f9;

  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --paper: #f7f4ee;      /* warm paper for alternating sections */
  --paper-2: #efeae1;
  --brass: #c9962b;      /* brand gold: hairlines, button text, numerals */
  --gold-soft: #e9d7a6;

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 12px;
  --r-xl: 14px;
  --shadow-sm: 0 1px 2px rgba(27, 40, 56, 0.06);
  --shadow-md: 0 4px 14px rgba(27, 40, 56, 0.08);
  --shadow-lg: 0 10px 30px rgba(27, 40, 56, 0.10);

  --maxw: 1040px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); color: var(--ink-700); background: var(--bg); line-height: 1.6; font-size: 17px; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--navy-800); text-decoration: underline; text-decoration-color: var(--gold-soft); text-underline-offset: 3px; }
a:hover { color: var(--navy-900); text-decoration-color: var(--brass); }
h1, h2, h3, h4 { color: var(--ink-900); line-height: 1.2; margin: 0 0 .5em; font-weight: 700; letter-spacing: -0.01em; }
h1, h2 { font-family: var(--serif); font-weight: 600; letter-spacing: 0; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.1rem); line-height: 1.12; }
h2 { font-size: clamp(1.55rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.12rem; }
p  { margin: 0 0 1rem; }
.lead { font-size: 1.12rem; color: var(--ink-500); }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-400); margin-bottom: .7rem; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.section { padding: 64px 0; }
.section--tint { background: var(--paper); border-top: 1px solid var(--paper-2); border-bottom: 1px solid var(--paper-2); }
.center { text-align: center; }
.muted { color: var(--ink-500); }
.maxw-680 { max-width: 680px; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; font-family: var(--font); font-weight: 600; font-size: 1rem; padding: 14px 24px; border-radius: var(--r-md); border: 1.5px solid transparent; cursor: pointer; transition: background .15s ease; text-decoration: none; line-height: 1; }
.btn, .btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn--primary, .btn--blue { background: var(--navy-900); color: #f3dc9a; border-color: var(--brass); }
.btn--primary:hover, .btn--blue:hover { background: var(--navy-800); color: #fff2c7; }
.btn--ghost { background: #fff; color: var(--navy-800); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--ink-400); color: var(--navy-900); }
.btn--lg { padding: 17px 30px; font-size: 1.06rem; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .55; cursor: not-allowed; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--navy-900); font-size: 1.1rem; letter-spacing: -.01em; }
.brand:hover { color: var(--navy-900); text-decoration: none; }
.brand .mark { width: 34px; height: 34px; border-radius: 0; flex: none; background: url("../img/mark.png") center / contain no-repeat; }
.brand .wm { display: flex; flex-direction: column; line-height: 1; }
.brand .wm b { color: var(--navy-900); font-weight: 700; font-size: 1.05rem; letter-spacing: -.01em; }
.brand .wm span { color: var(--brass); font-weight: 600; font-size: .78rem; letter-spacing: .04em; }
.brand .mark .star { display: none; }
.nav-links { display: flex; align-items: center; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--ink-700); font-weight: 500; font-size: .95rem; text-decoration: none; }
.nav-links a:hover { color: var(--blue-600); text-decoration: none; }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-cta .btn { padding: 11px 18px; font-size: .95rem; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy-800); margin: 4px 0; border-radius: 2px; }

/* ---------- Home hero (form first) ---------- */
.hero { padding: 56px 0 40px; background: #fff; }
.hero-inner { max-width: 560px; margin: 0 auto; text-align: center; }
.hero h1 { margin-bottom: .5rem; }
.hero .lead { margin: 0 auto 1.6rem; max-width: 460px; }
.start { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-md); padding: 24px; text-align: left; }
.start label { display: block; font-weight: 600; color: var(--navy-800); font-size: .92rem; margin-bottom: 8px; }
.start .amount-row { display: flex; gap: 10px; }
.start select { flex: 1; padding: 15px 14px; border: 1.5px solid var(--line); border-radius: var(--r-md); font-family: var(--font); font-size: 1.08rem; font-weight: 600; color: var(--ink-900); background: #fff; appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235f6d7c' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.start select:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 4px rgba(201,150,43,.18); }
.start .btn { white-space: nowrap; }
.start .fine { margin: 14px 0 0; font-size: .82rem; color: var(--ink-400); text-align: center; }
.trust-row { display: flex; gap: 8px 22px; flex-wrap: wrap; justify-content: center; margin-top: 22px; }
.trust-row .tr-item { display: flex; align-items: center; gap: 7px; font-size: .86rem; color: var(--ink-500); }
.trust-row svg { color: var(--green-600); flex: none; }

/* ---------- Plain content blocks ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; }
.card .ic { width: 40px; height: 40px; border-radius: 9px; display: grid; place-items: center; margin-bottom: 14px; background: var(--blue-50); color: var(--blue-600); }
.card .ic.red { background: var(--blue-50); color: var(--blue-600); }
.card .ic.green { background: var(--green-50); color: var(--green-600); }
.card h3 { margin-bottom: .3rem; }
.card p { margin: 0; color: var(--ink-500); font-size: .96rem; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step { padding: 0; background: none; border: 0; }
.step .n { width: 34px; height: 34px; border-radius: 50%; background: var(--navy-900); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .95rem; margin-bottom: 12px; }
.step h3 { font-size: 1.05rem; margin-bottom: .3rem; }
.step p { font-size: .95rem; color: var(--ink-500); margin: 0; }

.plain-list { list-style: none; margin: 0; padding: 0; max-width: 620px; }
.plain-list li { display: flex; gap: 12px; align-items: flex-start; padding: 12px 0; border-bottom: 1px solid var(--line-2); color: var(--ink-700); }
.plain-list li:last-child { border-bottom: 0; }
.plain-list svg { color: var(--green-600); flex: none; margin-top: 4px; }
.plain-list b { color: var(--ink-900); }

/* legacy blocks on interior pages, flattened */
.statband { background: var(--bg-tint); color: var(--ink-900); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.statband .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding-top: 30px; padding-bottom: 30px; }
.stat { text-align: center; }
.stat .num { font-size: 1.6rem; font-weight: 700; color: var(--ink-900); }
.stat .lbl { font-size: .86rem; color: var(--ink-500); }
.trust-panel { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.badge-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.badge { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 16px; display: flex; gap: 12px; align-items: flex-start; }
.badge .bic { color: var(--blue-600); flex: none; margin-top: 2px; }
.badge .bt { font-weight: 600; color: var(--navy-900); font-size: .96rem; }
.badge .bd { font-size: .85rem; color: var(--ink-500); }
.checklist { list-style: none; margin: 1rem 0 0; padding: 0; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 12px; color: var(--ink-700); }
.checklist svg { color: var(--green-600); flex: none; margin-top: 3px; }
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; }
.quote .stars { display: none; }
.quote p { font-size: .96rem; color: var(--ink-700); }
.quote .who { display: flex; align-items: center; gap: 12px; margin-top: 14px; }
.quote .av { width: 36px; height: 36px; border-radius: 50%; background: var(--blue-100); color: var(--blue-600); display: grid; place-items: center; font-weight: 700; }
.quote .who .nm { font-weight: 600; color: var(--navy-900); font-size: .9rem; }
.quote .who .lo { font-size: .8rem; color: var(--ink-400); }

/* ---------- FAQ ---------- */
.faq { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); background: none; }
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: 0; padding: 18px 2px; font-size: 1.02rem; font-weight: 600; color: var(--navy-900); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-family: var(--font); }
.faq-q .chev { transition: transform .2s ease; color: var(--ink-400); flex: none; }
.faq-item.open .faq-q .chev { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .28s ease; }
.faq-a-inner { padding: 0 2px 18px; color: var(--ink-500); font-size: .96rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-xl); padding: 40px 28px; text-align: center; }
.cta-band h2 { color: var(--ink-900); }
.cta-band p { color: var(--ink-500); max-width: 520px; margin: 0 auto 1.4rem; }

/* ---------- Footer ---------- */
.site-footer { background: #fff; color: var(--ink-500); padding: 48px 0 28px; border-top: 1px solid var(--line); font-size: .9rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.site-footer .brand { color: var(--navy-900); margin-bottom: 12px; }
.site-footer h4 { color: var(--ink-900); font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 12px; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: var(--ink-500); font-size: .9rem; text-decoration: none; }
.footer-links a:hover { color: var(--blue-600); }
.footer-about { font-size: .9rem; color: var(--ink-500); max-width: 320px; }
.footer-bottom { border-top: 1px solid var(--line); margin-top: 32px; padding-top: 22px; font-size: .8rem; color: var(--ink-400); }
.footer-bottom .disclaimer { margin-bottom: 12px; line-height: 1.7; }
.footer-bottom .fb-row { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom .fb-row a { color: var(--ink-500); text-decoration: none; }

/* ---------- Page hero (interior) ---------- */
.page-hero { background: #fff url("../img/pattern.jpg") center / cover no-repeat; padding: 44px 0 30px; border-bottom: 1px solid var(--line); position: relative; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(255,255,255,.6), rgba(255,255,255,.92)); }
.page-hero > .container { position: relative; }
.page-hero .lead { max-width: 640px; }
.page-hero h1 { margin-bottom: .3rem; }
.breadcrumb { font-size: .85rem; color: var(--ink-400); margin-bottom: 12px; }
.breadcrumb a { color: var(--ink-500); }

.prose { max-width: 720px; }
.prose h2 { margin-top: 2rem; font-size: 1.4rem; }
.prose h3 { margin-top: 1.5rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .5rem; }
.prose .updated { color: var(--ink-400); font-size: .9rem; }

/* ==========================================================================
   Multi-step application
   ========================================================================== */
.apply-shell { background: #fff; min-height: calc(100vh - 64px); padding: 28px 0 70px; }
.apply-wrap { max-width: 620px; margin: 0 auto; }
.apply-head { text-align: center; margin-bottom: 20px; }
.apply-head h1 { font-size: 1.55rem; }
.apply-head p { color: var(--ink-500); font-size: .96rem; }

.progress { margin-bottom: 22px; }
.progress-bar { height: 6px; background: var(--line-2); border-radius: 999px; overflow: hidden; }
.progress-bar .fill { height: 100%; background: var(--blue-600); width: 0; transition: width .35s ease; border-radius: 999px; }
.progress-meta { display: flex; justify-content: space-between; margin-top: 8px; font-size: .84rem; color: var(--ink-500); }
.progress-meta .step-name { font-weight: 600; color: var(--navy-800); }

.apply-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); padding: 28px; }
.step-panel { display: none; animation: fade .25s ease; }
.step-panel.active { display: block; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.step-panel h2 { font-size: 1.3rem; margin-bottom: .25rem; }
.step-panel .sub { color: var(--ink-500); margin-bottom: 20px; font-size: .95rem; }

.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; color: var(--navy-800); font-size: .9rem; margin-bottom: 6px; }
.field .hint { font-weight: 400; color: var(--ink-400); font-size: .8rem; }
.field textarea:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 4px rgba(201,150,43,.18); }
.field input, .field select { width: 100%; padding: 14px 14px; border: 1.5px solid var(--line); border-radius: var(--r-md); font-family: var(--font); font-size: 1.02rem; color: var(--ink-900); background: #fff; transition: border .15s ease, box-shadow .15s ease; }
.field input:focus, .field select:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 4px rgba(201,150,43,.18); }
.field input::placeholder { color: var(--ink-400); }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: var(--red-600); box-shadow: 0 0 0 4px var(--red-50); }
.field .err { color: var(--red-600); font-size: .82rem; margin-top: 6px; display: none; }
.field.invalid .err { display: block; }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.row-3 { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 14px; }

.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.choice { border: 1.5px solid var(--line); border-radius: var(--r-md); padding: 14px 12px; text-align: center; cursor: pointer; font-weight: 500; color: var(--ink-700); background: #fff; transition: .15s; font-size: .95rem; }
.choice:hover { border-color: var(--ink-400); }
.choice.selected { border-color: var(--blue-600); background: var(--blue-50); color: var(--blue-600); font-weight: 600; box-shadow: 0 0 0 1px var(--blue-600) inset; }

.amount-big { text-align: center; margin: 4px 0 14px; }
.amount-big .amt { font-size: 2.6rem; font-weight: 700; color: var(--navy-900); letter-spacing: -.02em; }
.range-wrap { margin: 10px 0 4px; }
input[type="range"].slider { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 999px; background: linear-gradient(90deg, var(--blue-600) var(--fill,40%), var(--line-2) var(--fill,40%)); outline: none; cursor: pointer; }
input[type="range"].slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 4px solid var(--blue-600); box-shadow: var(--shadow-sm); cursor: grab; }
input[type="range"].slider::-moz-range-thumb { width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 4px solid var(--blue-600); box-shadow: var(--shadow-sm); cursor: grab; }
.range-ticks { display: flex; justify-content: space-between; font-size: .78rem; color: var(--ink-400); margin-top: 6px; }

.consent { background: var(--bg-tint); border-radius: var(--r-md); padding: 14px; font-size: .82rem; color: var(--ink-500); margin: 8px 0 4px; }
.consent label { display: flex; gap: 10px; align-items: flex-start; cursor: pointer; }
.consent input { margin-top: 3px; flex: none; }

.review-list { list-style: none; margin: 0 0 8px; padding: 0; }
.review-list li { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid var(--line-2); font-size: .94rem; }
.review-list .k { color: var(--ink-500); }
.review-list .v { font-weight: 600; color: var(--navy-900); text-align: right; }

.step-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; }
.step-nav .btn--ghost.hidden { visibility: hidden; }
.step-nav .btn--blue { flex: 1; }

.secure-foot { text-align: center; margin-top: 18px; font-size: .82rem; color: var(--ink-400); display: flex; align-items: center; justify-content: center; gap: 8px; }
.secure-foot svg { color: var(--green-600); }

.confirm { text-align: center; padding: 12px 0; }
.confirm .check { width: 72px; height: 72px; border-radius: 50%; background: var(--green-50); color: var(--green-600); display: grid; place-items: center; margin: 0 auto 18px; }
.confirm h2 { font-size: 1.6rem; }
.confirm p { color: var(--ink-500); max-width: 460px; margin: 0 auto 1rem; }
.confirm .ref { display: inline-block; background: var(--bg-tint); color: var(--navy-800); font-weight: 600; padding: 7px 16px; border-radius: 999px; margin: 6px 0 20px; letter-spacing: .04em; }
.next-steps { text-align: left; max-width: 440px; margin: 20px auto 0; }
.next-steps li { margin-bottom: 10px; color: var(--ink-700); }
.alt { text-align: left; border: 1px solid var(--line); border-radius: var(--r-md); padding: 12px 14px; margin-bottom: 10px; font-size: .94rem; }
.alt strong { display: block; color: var(--ink-900); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .trust-panel { grid-template-columns: 1fr; gap: 30px; }
  .grid-3, .quotes, .steps { grid-template-columns: 1fr; }
  .statband .container { grid-template-columns: 1fr 1fr; gap: 22px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links, .nav-cta .btn--ghost { display: none; }
  .nav-toggle { display: block; }
  .site-header.open .nav-links { display: flex; position: absolute; top: 64px; left: 0; right: 0; flex-direction: column; background: #fff; padding: 16px 20px; gap: 14px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); }
}
@media (max-width: 560px) {
  .section { padding: 44px 0; }
  .hero { padding: 28px 0 24px; }
  h1 { font-size: 1.95rem; }
  .hero-copy .lead { font-size: 1.02rem; }
  .rule { margin-bottom: 12px; }
  .badge-grid, .row-2, .row-3 { grid-template-columns: 1fr; }
  .statband .container { grid-template-columns: 1fr 1fr; }
  .apply-card { padding: 20px 16px; }
  .start { padding: 18px; }
  .start .amount-row { flex-direction: column; }
  .trust-row { flex-direction: column; align-items: center; gap: 8px; }
  .trust-row .tr-item { text-align: left; }
  .cta-band { padding: 30px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 22px; }
  body { font-size: 16px; }
}

/* ==========================================================================
   Substance: hero split, photo frame, navy band, offer sample, facts grid
   ========================================================================== */
.hero { padding: 48px 0 56px; background: #fff url("../img/pattern.jpg") center / cover no-repeat; position: relative; }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(255,255,255,.55), rgba(255,255,255,.9)); }
.hero > .container { position: relative; }
.hero-split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
.hero-copy h1 { margin-bottom: .6rem; }
.hero-copy .lead { margin-bottom: 1.4rem; max-width: 520px; }
.hero-copy .start { max-width: 520px; }
.rule { width: 56px; height: 3px; background: var(--brass); border-radius: 2px; margin: 0 0 18px; }
.photo-frame { position: relative; isolation: isolate; }
.photo-frame img { border-radius: var(--r-xl); box-shadow: var(--shadow-lg); width: 100%; height: auto; }
.photo-frame::before { content: ""; position: absolute; inset: 14px -14px -14px 14px; border: 1.5px solid var(--brass); border-radius: var(--r-xl); opacity: .7; z-index: -1; }
.photo-frame .caption { position: absolute; left: 18px; bottom: 18px; background: rgba(255,255,255,.92); border: 1px solid var(--line); border-radius: 8px; padding: 10px 14px; font-size: .84rem; color: var(--ink-700); max-width: 300px; box-shadow: var(--shadow-sm); }
.photo-frame .caption b { display: block; color: var(--ink-900); font-family: var(--serif); font-size: 1rem; }
.benefits { list-style: none; margin: 0 0 22px; padding: 0; display: grid; gap: 8px; }
.benefits li { display: flex; align-items: flex-start; gap: 10px; color: var(--ink-700); font-size: .98rem; }
.benefits svg { color: var(--green-600); flex: none; margin-top: 3px; }
.benefits small { display: block; color: var(--ink-400); font-size: .82rem; }

.band { background: var(--navy-900); color: #d6dee9; position: relative; overflow: hidden; }
.band::before { content: ""; position: absolute; inset: 0; opacity: .12; background-image: radial-gradient(circle at 1px 1px, #ffffff 1px, transparent 1.5px); background-size: 22px 22px; }
.band > .container { position: relative; }
.band h2 { color: #fff; }
.band .steps { gap: 28px; }
.band .step .n { background: var(--brass); color: var(--navy-900); font-family: var(--serif); font-size: 1.1rem; }
.band .step h3 { color: #fff; }
.band .step p { color: #b9c5d4; }
.band .btn--primary { background: var(--brass); color: var(--navy-900); border-color: var(--brass); }
.band .btn--primary:hover { background: #d9a93e; color: var(--navy-900); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: center; }
.offer-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-md); padding: 22px 22px 18px; max-width: 420px; margin: 0 auto; position: relative; }
.offer-card::after { content: "Example — not an offer"; position: absolute; top: -12px; right: 16px; background: var(--paper-2); color: var(--ink-700); font-size: .72rem; font-weight: 600; letter-spacing: .05em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; border: 1px solid var(--line); }
.offer-card .oc-head { display: flex; justify-content: space-between; align-items: baseline; border-bottom: 1px solid var(--line-2); padding-bottom: 12px; margin-bottom: 12px; }
.offer-card .oc-head b { font-family: var(--serif); font-size: 1.2rem; color: var(--ink-900); }
.offer-card .oc-head span { font-size: .8rem; color: var(--ink-400); }
.offer-card dl { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 16px; margin: 0; }
.offer-card dt { font-size: .74rem; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-400); font-weight: 600; }
.offer-card dd { margin: 0; font-weight: 600; color: var(--ink-900); font-size: 1.02rem; }
.offer-card dd.hi { color: var(--navy-800); border-bottom: 2px solid var(--gold-soft); display: inline-block; }
.offer-card .oc-note { margin: 14px 0 0; font-size: .8rem; color: var(--ink-500); border-top: 1px dashed var(--line); padding-top: 10px; }
.offer-card .oc-note b { color: var(--ink-900); }

.facts-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 28px; margin-top: 8px; }
.fact { display: flex; gap: 14px; align-items: flex-start; padding: 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); }
.fact .fi { width: 40px; height: 40px; border-radius: 50%; background: var(--navy-900); border: 1px solid var(--brass); color: #f3dc9a; display: grid; place-items: center; flex: none; }
.fact b { display: block; color: var(--ink-900); margin-bottom: 2px; font-family: var(--serif); font-size: 1.05rem; }
.fact span { color: var(--ink-500); font-size: .94rem; }

.site-footer { background: var(--navy-900); color: #b9c5d4; border-top: 3px solid var(--brass); }
.site-footer .brand { color: #fff; }
.site-footer .brand .mark { filter: brightness(1.15); }
.site-footer .brand .wm b { color: #fff; }
.site-footer .brand .mark .star { color: var(--navy-900); }
.site-footer h4 { color: #fff; }
.footer-links a, .footer-about, .footer-bottom, .footer-bottom .fb-row a { color: #b9c5d4; }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top-color: rgba(255,255,255,.14); color: #9fb0c4; }

@media (max-width: 900px) {
  .hero-split, .split { grid-template-columns: 1fr; gap: 28px; }
  .photo-frame { order: 2; }
  .photo-frame::before { display: none; }
  .photo-frame img { aspect-ratio: 16 / 9; object-fit: cover; }
  .facts-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   v5 — simplicity and confidence: form-first hero, kinetic line, motion, tiles, cost table
   ========================================================================== */
[hidden] { display: none !important; }
.skip { position: absolute; left: 8px; top: -48px; background: var(--navy-900); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 100; text-decoration: none; }
.skip:focus { top: 8px; outline: 3px solid var(--brass); }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 2px; border-radius: 4px; }
.eyebrow--gold { color: var(--brass); font-weight: 700; }
.section-head { margin-bottom: 20px; }

/* hero without photo */
.hero--form { padding: 44px 0 36px; overflow: hidden; }
.hero--form .hero-split { grid-template-columns: 1.1fr 1fr; align-items: center; gap: 56px; }
.hero--form h1 { font-size: clamp(2.1rem, 4.2vw, 3.05rem); margin-bottom: .7rem; }
.kin-line { color: var(--navy-800); }
.rotor { display: inline-grid; vertical-align: bottom; text-align: left; }
.rotor-item { grid-area: 1 / 1; opacity: 0; transform: translateY(.45em); transition: opacity .45s ease, transform .45s ease; color: var(--brass); font-style: italic; white-space: nowrap; }
.rotor-item.is-on { opacity: 1; transform: none; }
.rotor-item.is-out { opacity: 0; transform: translateY(-.45em); }

.start-wrap { position: relative; padding: 26px 0 26px 26px; }
.blob { position: absolute; inset: -14% -16% -12% -8%; width: 124%; height: 126%; z-index: 0; }
.float-mark { position: absolute; top: -8px; right: 6px; z-index: 3; width: 72px; height: 72px; object-fit: contain; filter: drop-shadow(0 8px 16px rgba(11,38,83,.28)); animation: floaty 6s ease-in-out infinite; }
@keyframes floaty { 0%,100% { transform: translateY(0) rotate(-2deg); } 50% { transform: translateY(-8px) rotate(2deg); } }
.start--big { position: relative; z-index: 2; padding: 26px 26px 22px; box-shadow: 0 24px 60px rgba(11,38,83,.28); border-color: rgba(201,150,43,.5); max-width: none; }
.start-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.chip { display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--navy-900); background: var(--gold-soft); border-radius: 999px; padding: 5px 10px; }
.chip--ghost { background: var(--paper); border: 1px solid var(--line); color: var(--ink-700); }
.start-label { display: block; font-family: var(--serif); font-weight: 600; font-size: 1.25rem; color: var(--navy-900); margin-bottom: 12px; }
.amount-chips { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.achip { position: relative; display: block; }
.achip input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.achip span { display: block; text-align: center; padding: 13px 6px; border: 1.5px solid var(--line); border-radius: var(--r-md); font-weight: 600; color: var(--ink-700); background: #fff; transition: transform .12s ease, border-color .15s ease, background .15s ease, box-shadow .15s ease; min-height: 44px; }
.achip:hover span { border-color: var(--brass); }
.achip input:checked + span { background: var(--navy-900); border-color: var(--navy-900); color: #f3dc9a; box-shadow: inset 0 -3px 0 var(--brass); transform: translateY(-1px); }
.achip input:focus-visible + span { outline: 3px solid var(--brass); outline-offset: 2px; }
.achip input:active + span { transform: translateY(1px); }
.other-row { margin-top: 10px; }
.other-row label { display: block; font-size: .86rem; font-weight: 600; color: var(--navy-800); margin-bottom: 6px; }
.other-row input { width: 100%; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: var(--r-md); font-family: var(--font); font-size: 1.05rem; font-weight: 600; color: var(--ink-900); }
.other-row input:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 4px rgba(201,150,43,.18); }
.live { margin: 12px 0 12px; font-size: .95rem; color: var(--ink-500); min-height: 1.4em; }
.live b { color: var(--navy-900); }
.start--big .fine { display: flex; align-items: center; justify-content: center; gap: 6px; margin-top: 12px; }
.start--big .fine svg { color: var(--green-600); }
.btn--arrow svg { transition: transform .18s ease; }
.btn--arrow:hover svg { transform: translateX(4px); }
.btn--block { width: 100%; }
.btn.pulse { animation: pulse .5s ease; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(201,150,43,.55); } 100% { box-shadow: 0 0 0 14px rgba(201,150,43,0); } }

/* purpose tiles */
.section--purpose { padding-top: 40px; }
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.tile { display: grid; grid-template-columns: 44px 1fr; grid-template-rows: auto auto; column-gap: 14px; align-items: center; padding: 16px 18px; border: 1px solid var(--line); border-radius: var(--r-lg); background: #fff; text-decoration: none; color: var(--ink-700); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.tile .ti { grid-row: 1 / span 2; width: 44px; height: 44px; border-radius: 50%; background: var(--navy-900); color: #f3dc9a; display: grid; place-items: center; border: 1px solid var(--brass); }
.tile .ti svg { width: 22px; height: 22px; }
.tile b { color: var(--ink-900); font-family: var(--serif); font-size: 1.05rem; }
.tile > span:last-child { font-size: .88rem; color: var(--ink-500); }
.tile:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--brass); text-decoration: none; }

/* band curve */
.band--curve { padding-top: 92px; }
.band .curve { position: absolute; top: -1px; left: 0; width: 100%; height: 60px; display: block; }

/* cost card + tilt */
.tilt { perspective: 1000px; }
.cost-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--shadow-md); padding: 20px 20px 16px; max-width: 460px; margin: 0 auto; transform-style: preserve-3d; transition: transform .25s ease, box-shadow .25s ease; will-change: transform; }
.tilt.is-tilting .cost-card { box-shadow: 0 30px 60px rgba(11,38,83,.22); }
.cc-head { display: flex; justify-content: space-between; align-items: center; gap: 10px; margin-bottom: 10px; }
.cc-head b { font-family: var(--serif); font-size: 1.15rem; color: var(--navy-900); }
.cc-head .chip { white-space: nowrap; font-size: .66rem; }
.cost-table { width: 100%; border-collapse: collapse; font-size: 1rem; }
.cost-table th { text-align: left; font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-400); font-weight: 600; padding: 8px 6px; border-bottom: 1px solid var(--line); }
.cost-table td { padding: 11px 6px; border-bottom: 1px solid var(--line-2); font-weight: 600; color: var(--ink-900); font-variant-numeric: tabular-nums; }
.cost-table td:first-child { color: var(--navy-800); }
.cost-table tr:last-child td { border-bottom: 0; }
.cost-table td:last-child { color: var(--navy-900); }
.cost-table tbody tr:hover td { background: var(--paper); }
.cc-note { margin: 12px 0 0; font-size: .82rem; color: var(--ink-500); border-top: 1px dashed var(--line); padding-top: 10px; }
.cc-note b { color: var(--ink-900); }

/* reveal on scroll */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
  .rotor-item { transition: none; }
}
@media (max-width: 900px) {
  .hero--form .hero-split { grid-template-columns: 1fr; gap: 18px; }
  .hero--form .benefits { display: none; }
  .hero--form .lead { margin-bottom: .4rem; }
  .greet-word { display: none; }
  .blob { display: none; }
  .start-wrap { padding: 14px 0 0; }
  .start-wrap { padding: 18px 0 18px 0; }
  .blob { inset: -4% -8% -4% -8%; width: 116%; height: 108%; }
  .float-mark { width: 56px; height: 56px; top: -4px; right: 0; }
  .tiles { grid-template-columns: 1fr 1fr; }
  .band--curve { padding-top: 70px; }
}
@media (max-width: 560px) {
  .hero--form { padding: 24px 0 40px; }
  .hero--form h1 { font-size: 2rem; }
  .amount-chips { grid-template-columns: repeat(4, 1fr); gap: 6px; }
  .achip span { padding: 12px 2px; font-size: .92rem; }
  .start--big { padding: 18px 16px 16px; }
  .tiles { grid-template-columns: 1fr; }
  .cost-card { max-width: none; }
}