:root{
  --bg:#FFFFFF;
  --bg-soft:#F7F6F1;
  --ink:#1E1D16;
  --ink-soft:rgba(30,29,22,0.62);
  --ink-faint:rgba(30,29,22,0.36);
  --line:#E7E3D6;
  --main:#4B4A37;
  --main-dark:#3A3A2B;
  --umber:#6D5A49;
  --umber-dark:#544435;
  --umber-tint:#F1ECE5;
  --container:1180px;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:auto; }
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:'Work Sans', sans-serif;
  font-size:16px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
svg{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
.wrap{ max-width:var(--container); margin:0 auto; padding:0 40px; }

h1,h2,h3, .display{
  font-family:'Fraunces', serif;
  font-weight:500;
  letter-spacing:-0.01em;
  color:var(--ink);
  margin:0;
}
em{ font-style:italic; color:var(--main); font-weight:500; }

.eyebrow{
  font-family:'IBM Plex Mono', monospace;
  font-size:12px;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--umber);
  display:flex;
  align-items:center;
  gap:11px;
  margin-bottom:20px;
}
.eyebrow::before{
  content:"";
  width:24px; height:1px;
  background:var(--umber);
  display:inline-block;
  flex-shrink:0;
}
.eyebrow.center{ justify-content:center; }
.eyebrow.center::before{ display:none; }

:focus-visible{
  outline: 2px solid var(--umber);
  outline-offset: 3px;
  border-radius: 4px;
}
.recaptcha-wrapper {
    transform: scale(0.75);
    transform-origin: 0 0;
}
/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  font-family:'Work Sans', sans-serif;
  font-weight:600;
  font-size:13.5px;
  letter-spacing:0.03em;
  padding:16px 30px;
  border-radius:999px;
  border:1.5px solid transparent;
  cursor:pointer;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space:nowrap;
}
.btn-primary{ background:var(--main); color:#fff; box-shadow:0 10px 22px rgba(75,74,55,0.26); }
.btn-primary:hover{ background:var(--main-dark); transform:translateY(-2px); box-shadow:0 14px 26px rgba(75,74,55,0.32); }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--ink-faint); }
.btn-ghost:hover{ border-color:var(--ink); background:var(--bg-soft); transform:translateY(-2px); }
.btn-on-panel{ background:#fff; color:var(--main-dark); }
.btn-on-panel:hover{ background:var(--umber-tint); transform:translateY(-2px); }
.btn-ghost-on-panel{ background:transparent; color:#fff; border-color:rgba(255,255,255,0.45); }
.btn-ghost-on-panel:hover{ background:rgba(255,255,255,0.12); border-color:#fff; }
.btn-sm{ padding:11px 22px; font-size:12.5px; }
.btn-arrow{ transition:transform .2s ease; }
.btn:hover .btn-arrow{ transform:translateX(3px); }

@media (max-width:720px){
  .btn{
    padding:11px 18px;
    font-size:12.5px;
    gap:6px;
    white-space:normal;
    line-height:1.25;
    text-align:center;
  }
  .btn-sm{ padding:9px 14px; font-size:12px; }
  .hero-ctas{ gap:10px; }
  .hero-ctas .btn{ flex:1 1 auto; min-width:0; }
}
@media (max-width:600px){
    .fig-nav-text-bt{
        display:none;
    }
}

/* ---------- Hero ---------- */
.hero{ padding:76px 0 60px; }
.hero-inner{ display:grid; grid-template-columns:1.05fr 0.95fr; gap:50px; align-items:center; }
.hero h1{ font-size:clamp(38px, 5vw, 62px); line-height:1.06; }
.hero p.lede{ margin:26px 0 34px; font-size:18px; max-width:460px; color:var(--ink-soft); }
.hero-ctas{ display:flex; gap:16px; flex-wrap:wrap; }
.hero-mark{ display:flex; justify-content:center; align-items:center; }
.hero-mark svg{ width:min(360px, 100%); height:auto; }
.hero-mark img{
  width:100%;
  max-width:480px;
  height:auto;
  aspect-ratio: 4 / 3;
  object-fit:cover;
  border-radius:18px;
  display:block;
}
.img-seond-index {
    width: 100%;
    max-width: 480px;
    height: auto;
    aspect-ratio: 4 / 3;
    object-fit: cover;
    border-radius: 18px;
    display: block;
    filter: drop-shadow(0 4px 6.5px rgba(0, 0, 0, 0.5));
}

@media (max-width:900px){
  .hero-inner{ grid-template-columns:1fr; }
  .hero-mark{ order:-1; margin-bottom:10px; }
  .hero-mark svg{ width:220px; }
  .hero-mark img{ max-width:360px; aspect-ratio: 5 / 4; }
}

/* ---------- Trust strip ---------- */
.trust-bar{ border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.trust-strip{ display:flex; flex-wrap:wrap; gap:20px 44px; padding:24px 0; font-size:13px; color:var(--ink-soft); }
.trust-strip .item{ display:flex; align-items:center; gap:9px; }
.trust-strip svg{ width:16px; height:16px; flex-shrink:0; color:var(--ink-soft); }

/* ---------- Stats band ---------- */
.stats{ padding:64px 0; }
.stats-row{ display:flex; }
.stat{ flex:1; text-align:center; padding:0 24px; border-left:1px solid var(--line); }
.stat:first-child{ border-left:none; }
.stat .num{ font-family:'Fraunces', serif; font-size:clamp(32px,3.6vw,50px); color:var(--main); display:block; line-height:1; }
.stat .label{ font-family:'IBM Plex Mono', monospace; font-size:11px; letter-spacing:0.09em; text-transform:uppercase; color:var(--ink-soft); margin-top:12px; display:block; }
@media (max-width:760px){
  .stats-row{ flex-wrap:wrap; gap:28px 0; }
  .stat{ flex:0 0 50%; border-left:none; padding:0 10px; }
}

/* ---------- ticker ---------- */
.ticker-band{ border-top:1px solid var(--line); border-bottom:1px solid var(--line); overflow:hidden; padding:15px 0; }
.ticker-track{ display:flex; gap:44px; white-space:nowrap; animation:scrollTicker 34s linear infinite; font-family:'IBM Plex Mono', monospace; font-size:12px; letter-spacing:0.08em; color:var(--ink-soft); }
.ticker-track span.dot{ color:var(--umber); }
@keyframes scrollTicker{ from{ transform:translateX(0); } to{ transform:translateX(-50%); } }

/* ---------- section shared ---------- */
section{ padding:110px 0; }
.section-head{ max-width:640px; margin-bottom:56px; }
.section-head h2{ font-size:clamp(30px,3.6vw,42px); line-height:1.12; }
.section-head p{ margin-top:18px; color:var(--ink-soft); font-size:16.5px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; max-width:720px; }
.section-head.center .eyebrow{ justify-content:center; }
@media (max-width:768px){ section{ padding:76px 0; } .section-head{ margin-bottom:42px; } }

.why{ background:var(--bg-soft); }

/* ---------- Purchase / refinance loan options ---------- */
.loan-options{ background:var(--bg-soft); }
.loan-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:28px;
  align-items:stretch;
}
.loan-card{
  background:rgba(255,255,255,0.72);
  border:1px solid var(--line);
  border-radius:16px;
  padding:32px 28px;
  display:flex;
  flex-direction:column;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.loan-card:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.loan-card .loan-icon{
  width:42px;
  height:42px;
  margin-bottom:18px;
  color:var(--umber);
}
.loan-card .loan-icon svg{ width:100%; height:100%; }
.loan-card h3{ font-size:22px; margin-bottom:12px; }
.loan-card p{
  color:var(--ink-soft);
  font-size:14.5px;
  margin:0 0 22px;
  flex-grow:1;
}

@media (max-width:900px){
  .loan-grid{ grid-template-columns:1fr; max-width:440px; margin:0 auto; }
}

/* ---------- Vehicle cards (asymmetric pair) ---------- */
.vehicle-grid{
  display:grid;
  grid-template-columns:1.55fr 1fr;
  gap:24px;
  align-items:stretch;
}
.vehicle-card{
  position:relative;
  overflow:hidden;
  background:rgba(255,255,255,0.72);
  border:1px solid var(--line);
  border-radius:22px;
  padding:36px 32px;
  display:flex;
  flex-direction:column;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.vehicle-card:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.vehicle-card-wide::before{
  content:"";
  position:absolute;
  top:-40px;
  right:-50px;
  width:180px;
  height:180px;
  border-radius:50%;
  background:rgba(255,255,255,0.45);
  pointer-events:none;
}
.vehicle-icon{
  width:42px;
  height:42px;
  border-radius:50%;
  background:var(--main);
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:22px;
  flex-shrink:0;
}
.vehicle-icon svg{ width:20px; height:20px; }
.vehicle-card h3{
  font-size:clamp(24px, 2.4vw, 30px);
  margin-bottom:14px;
  position:relative;
}
.vehicle-card > p{
  color:var(--ink-soft);
  font-size:15px;
  line-height:1.65;
  margin:0 0 28px;
  max-width:520px;
  position:relative;
}
.vehicle-tags{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:auto;
  position:relative;
}
.vehicle-tag{
  display:inline-flex;
  align-items:center;
  padding:10px 16px;
  border-radius:999px;
  background:var(--umber-tint);
  color:var(--ink);
  font-size:13px;
  font-weight:500;
}
.vehicle-checks{
  margin-top:auto;
  position:relative;
}
.vehicle-checks li{
  display:flex;
  align-items:center;
  gap:12px;
  padding:14px 0;
  border-top:1px solid var(--line);
  font-size:14.5px;
  font-weight:500;
  color:var(--ink);
}
.vehicle-checks li:last-child{ border-bottom:1px solid var(--line); }
.vehicle-check{
  width:18px;
  height:18px;
  border-radius:50%;
  background:var(--main);
  color:#fff;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
}
.vehicle-check svg{ width:10px; height:10px; }

@media (max-width:900px){
  .vehicle-grid{ grid-template-columns:1fr; max-width:520px; margin:0 auto; }
}

/* ---------- Equity canvas (refinance signature panel) ---------- */
.equity-canvas{
  background:var(--bg-soft);
}
.equity-canvas-inner{
  display:grid;
  grid-template-columns:0.95fr 1.05fr;
  gap:56px;
  align-items:center;
}
.equity-canvas-aside h2{
  font-size:clamp(30px,3.6vw,42px);
  line-height:1.12;
  margin-bottom:18px;
}
.equity-canvas-aside > p{
  color:var(--ink-soft);
  font-size:16.5px;
  max-width:420px;
  margin:0 0 28px;
}
.equity-stack{
  display:flex;
  flex-direction:column;
  gap:18px;
}
.equity-chip{
  display:grid;
  grid-template-columns:52px 1fr;
  gap:18px;
  align-items:flex-start;
  background:rgba(255,255,255,0.78);
  border:1px solid var(--line);
  border-radius:18px;
  padding:24px 26px;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
/*.equity-chip:nth-child(2){ margin-left:32px; }
.equity-chip:nth-child(3){ margin-left:16px; }*/
.equity-chip:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.equity-chip-mark{
  width:46px;
  height:46px;
  border-radius:14px;
  background:var(--main);
  color:#fff;
  font-family:'IBM Plex Mono', monospace;
  font-size:12px;
  letter-spacing:0.06em;
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
}
.equity-chip h3{
  font-size:19px;
  margin:2px 0 8px;
}
.equity-chip p{
  margin:0;
  color:var(--ink-soft);
  font-size:14.5px;
  line-height:1.55;
}

@media (max-width:900px){
  .equity-canvas-inner{ grid-template-columns:1fr; gap:36px; }
/*  .equity-chip:nth-child(2),
  .equity-chip:nth-child(3){ margin-left:0; }*/
}
@media (max-width:576px){
    .equity-chip {
        grid-template-columns:1fr;
    }
}

/* ---------- Term split (Fixed vs ARM compare) ---------- */
.term-split{ background:var(--bg-soft); }
.term-split-grid{
  display:grid;
  grid-template-columns:1fr auto 1fr;
  gap:0;
  align-items:stretch;
  position:relative;
  margin-bottom:24px;
}
.term-pane{
  background:rgba(255,255,255,0.82);
  border:1px solid var(--line);
  border-radius:22px;
  padding:36px 32px;
  display:flex;
  flex-direction:column;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.term-pane:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.term-pane-label{
  font-family:'IBM Plex Mono', monospace;
  font-size:11px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--umber);
  margin-bottom:14px;
  display:block;
}
.term-pane h3{
  font-size:clamp(22px, 2.4vw, 28px);
  line-height:1.2;
  margin-bottom:14px;
}
.term-pane > p{
  color:var(--ink-soft);
  font-size:15px;
  line-height:1.6;
  margin:0 0 22px;
}
.term-pane-points{
  margin-top:auto;
  display:flex;
  flex-direction:column;
  gap:10px;
}
.term-pane-points li{
  position:relative;
  padding-left:18px;
  font-size:14px;
  font-weight:500;
  color:var(--ink);
}
.term-pane-points li::before{
  content:"";
  position:absolute;
  left:0;
  top:0.55em;
  width:7px;
  height:7px;
  border-radius:50%;
  background:var(--main);
}
.term-split-or{
  display:flex;
  align-items:center;
  justify-content:center;
  width:56px;
  position:relative;
  z-index:2;
  margin:0 -8px;
}
.term-split-or span{
  width:44px;
  height:44px;
  border-radius:50%;
  background:var(--main);
  color:#fff;
  font-family:'Fraunces', serif;
  font-style:italic;
  font-size:15px;
  display:flex;
  align-items:center;
  justify-content:center;
  box-shadow:0 10px 24px rgba(75,74,55,0.25);
}
.term-split-note{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:20px;
  padding:28px 32px;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.term-split-note:hover{
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.term-split-note h3{
  font-size:22px;
  margin-bottom:8px;
}
.term-split-note p{
  margin:0;
  color:var(--ink-soft);
  font-size:14.5px;
  max-width:560px;
  line-height:1.55;
}
.term-split-note .btn{ flex-shrink:0; white-space:nowrap; }

@media (max-width:900px){
  .term-split-grid{
    grid-template-columns:1fr;
    gap:18px;
  }
  .term-split-or{
    width:100%;
    margin:0;
    height:auto;
  }
  .term-split-note{
    flex-direction:column;
    align-items:flex-start;
  }
  .term-split-note .btn{
    width:100%;
    white-space:normal;
  }
}

/* ---------- Buyer journey (purchase hub closing) ---------- */
.buyer-journey{
  background:var(--bg);
  position:relative;
}
.buyer-journey::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(ellipse 60% 50% at 8% 20%, rgba(109,90,73,0.08), transparent 60%),
    radial-gradient(ellipse 50% 40% at 92% 80%, rgba(75,74,55,0.07), transparent 55%);
  pointer-events:none;
}
.buyer-journey .wrap{ position:relative; z-index:1; }
.journey-track{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  position:relative;
  margin-bottom:48px;
}
.journey-track::before{
  content:"";
  position:absolute;
  top:28px;
  left:7%;
  right:7%;
  height:2px;
  background:linear-gradient(90deg, transparent, var(--line) 8%, var(--line) 92%, transparent);
  z-index:0;
}
.journey-node{
  position:relative;
  z-index:1;
  padding:0 16px;
  text-align:center;
}
.journey-index{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:56px;
  height:56px;
  margin-bottom:18px;
  border-radius:50%;
  background:#fff;
  border:1.5px solid var(--line);
  font-family:'IBM Plex Mono', monospace;
  font-size:13px;
  letter-spacing:0.06em;
  color:var(--umber);
  box-shadow:0 8px 20px rgba(30,29,22,0.06);
}
.journey-node h3{
  font-size:20px;
  margin-bottom:10px;
}
.journey-node p{
  margin:0;
  font-size:14.5px;
  color:var(--ink-soft);
  line-height:1.55;
  max-width:220px;
  margin-inline:auto;
}
.journey-close{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
  padding:36px 40px;
  border-radius:20px;
  background:var(--bg-soft);
  border:1px solid var(--line);
}
.journey-close-copy{ max-width:620px; }
.journey-close-copy .eyebrow{ margin-bottom:10px; }
.journey-close-copy h3{
  font-size:clamp(24px, 2.8vw, 32px);
  margin-bottom:12px;
  line-height:1.2;
}
.journey-close-copy p{
  margin:0;
  color:var(--ink-soft);
  font-size:15px;
  line-height:1.55;
}
.journey-close-actions{
  display:flex;
  flex-direction:column;
  gap:12px;
  flex-shrink:0;
}
@media (max-width:980px){
  .journey-track{
    grid-template-columns:1fr 1fr;
    gap:28px 18px;
  }
  .journey-track::before{ display:none; }
  .journey-node{ text-align:left; padding:0; }
  .journey-node p{ margin-inline:0; max-width:none; }
}
@media (max-width:640px){
  .journey-track{ grid-template-columns:1fr; gap:22px; }
  .journey-close{
    flex-direction:column;
    align-items:flex-start;
    padding:28px 22px;
  }
  .journey-close-actions{ width:100%; }
  .journey-close-actions .btn{ width:100%; }
}

/* ---------- Signal board (split process rail) ---------- */
.signal-board{
  background:var(--bg);
}
.signal-board-inner{
  display:grid;
  grid-template-columns:0.95fr 1.05fr;
  gap:64px;
  align-items:start;
}
.signal-board-aside{
  position:sticky;
  top:110px;
  padding:8px 0;
}
.signal-board-aside h2{
  font-size:clamp(30px,3.6vw,42px);
  line-height:1.12;
  margin-bottom:18px;
}
.signal-board-aside > p{
  color:var(--ink-soft);
  font-size:16.5px;
  max-width:380px;
  margin:0 0 28px;
}
.signal-steps{
  list-style:none;
  margin:0;
  padding:0;
  position:relative;
}
.signal-steps::before{
  content:"";
  position:absolute;
  left:23px;
  top:18px;
  bottom:18px;
  width:1px;
  background:linear-gradient(to bottom, var(--line), var(--umber), var(--line));
}
.signal-step{
  display:grid;
  grid-template-columns:48px 1fr;
  gap:20px;
  align-items:start;
  padding:18px 0;
  position:relative;
}
.signal-step-index{
  width:46px;
  height:46px;
  border-radius:50%;
  background:var(--bg);
  border:1px solid var(--line);
  color:var(--main);
  font-family:'IBM Plex Mono', monospace;
  font-size:12px;
  letter-spacing:0.06em;
  display:flex;
  align-items:center;
  justify-content:center;
  position:relative;
  z-index:1;
  transition: background .22s ease, color .22s ease, border-color .22s ease, box-shadow .22s ease;
}
.signal-step-body{
  background:rgba(255,255,255,0.72);
  border:1px solid var(--line);
  border-radius:16px;
  padding:22px 24px;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.signal-step-body h3{
  font-size:19px;
  margin-bottom:8px;
}
.signal-step-body p{
  margin:0;
  color:var(--ink-soft);
  font-size:14.5px;
  line-height:1.55;
}
.signal-step:hover .signal-step-index{
  background:var(--main);
  color:#fff;
  border-color:var(--main);
  box-shadow:0 8px 18px rgba(75,74,55,0.22);
}
.signal-step:hover .signal-step-body{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}

@media (max-width:900px){
  .signal-board-inner{ grid-template-columns:1fr; gap:36px; }
  .signal-board-aside{ position:static; }
}

/* ---------- Portfolio bento (investment signature panel) ---------- */
.portfolio-bento{
  background:var(--bg);
}
.bento-grid{
  display:grid;
  grid-template-columns:repeat(12, 1fr);
  gap:18px;
  align-items:stretch;
}
.bento-tile{
  background:rgba(255,255,255,0.78);
  border:1px solid var(--line);
  border-radius:20px;
  padding:28px 26px;
  display:flex;
  flex-direction:column;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.bento-tile:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.bento-tile-lead{
  grid-column: span 7;
  grid-row: span 2;
  background:var(--main);
  border-color:transparent;
  color:#fff;
  justify-content:flex-end;
  min-height:340px;
  position:relative;
  overflow:hidden;
}
.bento-tile-lead::before{
  content:"";
  position:absolute;
  width:220px;
  height:220px;
  border-radius:50%;
  border:1px solid rgba(255,255,255,0.12);
  right:-60px;
  top:-70px;
  pointer-events:none;
}
.bento-tile-lead::after{
  content:"";
  position:absolute;
  width:140px;
  height:140px;
  border-radius:50%;
  background:rgba(255,255,255,0.06);
  right:40px;
  bottom:-40px;
  pointer-events:none;
}
.bento-tile-lead > *{ position:relative; z-index:1; }
.bento-tile:nth-child(2){ grid-column: span 5; }
.bento-tile:nth-child(3){ grid-column: span 5; }
.bento-tile-soft{ grid-column: span 4; background:var(--bg-soft); }
.bento-tile-cta{
  grid-column: span 4;
  background:var(--umber-tint);
  border-color:transparent;
  justify-content:space-between;
  gap:18px;
}
.bento-kicker{
  font-family:'IBM Plex Mono', monospace;
  font-size:11px;
  letter-spacing:0.12em;
  text-transform:uppercase;
  color:var(--umber);
  margin-bottom:12px;
  display:block;
}
.bento-stat{
  font-family:'Fraunces', serif;
  font-size:clamp(36px, 4vw, 48px);
  line-height:1;
  color:var(--main);
  margin-bottom:14px;
  display:block;
}
.bento-tile h3{
  font-size:20px;
  margin-bottom:10px;
}
.bento-tile p{
  margin:0;
  color:var(--ink-soft);
  font-size:14.5px;
  line-height:1.55;
}
.bento-tile-lead .bento-kicker{
  color:rgba(255,255,255,0.78);
  margin-bottom:14px;
}
.bento-tile-lead h3{
  color:#fff;
  font-size:clamp(26px, 3vw, 34px);
  line-height:1.15;
  margin-bottom:14px;
  max-width:420px;
}
.bento-tile-lead p{
  color:rgba(255,255,255,0.9);
  font-size:15px;
  line-height:1.6;
  margin:0 0 26px;
  max-width:420px;
}
.bento-tile-cta h3{ margin-bottom:8px; }
.bento-tile-cta .btn{ align-self:flex-start; }

@media (max-width:900px){
  .bento-grid{ grid-template-columns:1fr; }
  .bento-tile-lead,
  .bento-tile:nth-child(2),
  .bento-tile:nth-child(3),
  .bento-tile-soft,
  .bento-tile-cta{
    grid-column: span 1;
    grid-row:auto;
  }
  .bento-tile-lead{ min-height:0; }
}

/* ---------- Feature split (dark panel) ---------- */
.feature-split{
  background:var(--main);
  color:#fff;
}
.feature-split-copy, .feature-split-media{
    width: 50%;
}
.feature-split-inner {
    display: flex;
    gap: 56px;
    align-items: center;
}
.feature-split-copy h2{
  color:#fff;
  font-size:clamp(30px,3.6vw,42px);
  line-height:1.12;
  margin-bottom:18px;
}
.feature-split-copy h2 em{ color:rgba(255,255,255,0.88); }
.feature-split-lede{
  margin:0 0 36px;
  max-width:480px;
  font-size:16px;
  line-height:1.65;
  color:rgba(255,255,255,0.78);
}
.feature-list{ display:flex; flex-direction:column; gap:28px; }
.feature-list li{
  display:flex;
  gap:18px;
  align-items:flex-start;
}
.feature-list-icon{
  width:44px;
  height:44px;
  border-radius:50%;
  border:1px solid rgba(255,255,255,0.28);
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
  color:rgba(255,255,255,0.9);
}
.feature-list-icon svg{ width:20px; height:20px; }
.feature-list h3{
  color:#fff;
  font-size:18px;
  margin:2px 0 6px;
}
.feature-list p{
  margin:0;
  font-size:14.5px;
  line-height:1.55;
  color:rgba(255,255,255,0.72);
  max-width:420px;
}
.feature-split-media{
  border-radius:16px;
  overflow:hidden;
  border:1px solid rgba(255,255,255,0.12);
  background:rgba(255,255,255,0.06);
}
.feature-split-media img{
  width:100%;
  height:100%;
  min-height:360px;
  object-fit:cover;
  display:block;
  opacity:0.7;
}

@media (max-width:900px){
  .feature-split-inner{ flex-direction:column-reverse; gap:36px; }
/*  .feature-split-media{ ; }*/
  .feature-split-media img{ min-height:240px; max-height:320px; }
    .feature-split-copy, .feature-split-media{ width:100%;}
}

/* ---------- Three paths ---------- */
.paths-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.path-card{ background:#fff; border:1px solid var(--line); border-radius:14px; padding:32px 28px; display:flex; flex-direction:column; transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.path-card:hover{ transform:translateY(-5px); box-shadow:0 20px 38px rgba(30,29,22,0.08); border-color:var(--ink-faint); }
.path-card .icon-ring{ width:56px; height:56px; border-radius:50%; border:1px solid var(--line); display:flex; align-items:center; justify-content:center; margin-bottom:22px; }
.path-card .icon-ring svg{ width:26px; height:26px; }
.path-card .kicker{ font-family:'Fraunces', serif; font-style:italic; font-size:14.5px; color:var(--umber); margin-bottom:8px; }
.path-card h3{ font-size:22px; margin-bottom:12px; }
.path-card p.desc{ color:var(--ink-soft); font-size:14.5px; margin-bottom:20px; }
.path-card .programs{ margin-bottom:24px; flex-grow:1; }
.path-card .programs li{ font-size:14px; padding:10px 0; border-top:1px solid var(--line); display:flex; justify-content:space-between; align-items:center; color:var(--ink); }
.path-card .programs li:last-child{ border-bottom:1px solid var(--line); }
.path-card .programs li span.code{ font-family:'IBM Plex Mono', monospace; font-size:10.5px; color:var(--ink-faint); }
.card-cta{ font-weight:600; font-size:14px; color:var(--ink); display:inline-flex; align-items:center; gap:8px; }
.card-cta:hover{ color:var(--umber); }
@media (max-width:900px){ .paths-grid{ grid-template-columns:1fr; max-width:440px; margin:0 auto; } }

/* ---------- Why / signature split ---------- */
.why-split{ display:grid; grid-template-columns:0.85fr 1.15fr; gap:64px; align-items:center; }
.why-panel{ border:1px solid var(--line); border-radius:14px; background:#fff; display:flex; align-items:center; justify-content:center; }
.why-panel svg{ width:70%; height:auto; }
.why-list li{ display:flex; gap:22px; padding:22px 0; border-top:1px solid var(--line); }
.why-list li:last-child{ border-bottom:1px solid var(--line); }
.why-list .why-index{ font-family:'IBM Plex Mono', monospace; font-size:12px; color:var(--ink-faint); letter-spacing:0.08em; padding-top:3px; flex-shrink:0; width:26px; }
.why-list h3{ font-size:18.5px; margin-bottom:6px; }
.why-list p{ font-size:14.5px; color:var(--ink-soft); margin:0; }
.why-intro{ margin-top:18px; color:var(--ink-soft); font-size:16.5px; max-width:480px; }
.why-list-wrap{ margin-top:8px; }
@media (max-width:900px){ .why-split{ grid-template-columns:1fr; gap:36px; } .why-panel{ max-width:280px; margin:0 auto; aspect-ratio:1/1; } }

/* ---------- Process ---------- */
.stages{ display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line); }
.stage{ padding:32px 24px 0 0; border-right:1px solid var(--line); }
.stage:last-child{ border-right:none; padding-right:0; }
.stage .stage-mark{ font-family:'Fraunces', serif; font-style:italic; font-size:15px; color:var(--umber); margin-bottom:18px; display:block; }
.stage h3{ font-size:20px; margin-bottom:12px; }
.stage p{ color:var(--ink-soft); font-size:14.5px; }
@media (max-width:900px){ .stages{ grid-template-columns:1fr 1fr; } .stage{ border-right:none; border-bottom:1px solid var(--line); padding:26px 0; } }
@media (max-width:560px){ .stages{ grid-template-columns:1fr; } }

/* ---------- Stories ---------- */
.stories{ background:var(--bg-soft); }
.stories-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
.story-card{ background:#fff; border:1px solid var(--line); border-radius:14px; padding:32px; display:flex; flex-direction:column; justify-content:space-between; min-height:240px; }
.story-card q{ font-family:'Fraunces', serif; font-style:italic; font-size:17.5px; line-height:1.5; color:var(--ink); quotes:none; }
.story-person{ margin-top:24px; display:flex; align-items:center; gap:12px; }
.story-avatar{ width:42px; height:42px; border-radius:50%; flex-shrink:0; background:var(--umber-tint); display:flex; align-items:center; justify-content:center; font-family:'IBM Plex Mono', monospace; font-size:12.5px; color:var(--umber-dark); font-weight:500; }
.story-person .name{ font-weight:600; color:var(--ink); display:block; font-size:13.5px; }
.story-person .loan{ font-family:'IBM Plex Mono', monospace; font-size:11px; color:var(--ink-faint); }
@media (max-width:900px){ .stories-grid{ grid-template-columns:1fr; max-width:440px; margin:0 auto; } }

/* ---------- Team roster ---------- */
.team-roster{ background:var(--bg-soft); }
.team-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:26px;
}
.team-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px;
  overflow:hidden;
  display:flex;
  flex-direction:column;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.team-card:hover{
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(30,29,22,0.14), 0 6px 12px rgba(30,29,22,0.06);
  border-color: var(--ink-faint);
}
.team-card-media{
  aspect-ratio: 4 / 4;
  overflow:hidden;
  background:var(--bg-soft);
}
.team-card-media img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
}
.team-card-body{
  padding:22px 22px 26px;
  display:flex;
  flex-direction:column;
  gap:6px;
}
.team-card-body h3{
  font-size:22px;
  margin:0;
}
.team-role{
  margin:0;
  font-family:'IBM Plex Mono', monospace;
  font-size:12px;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--umber);
}
.team-email{
  margin-top:10px;
  font-size:14px;
  color:var(--ink-soft);
  word-break:break-word;
}
.team-email:hover{ color:var(--main); }
.team-meta{
  display:flex;
  flex-direction:column;
  gap:6px;
  margin-top:10px;
  font-size:13.5px;
  color:var(--ink-soft);
  line-height:1.4;
}
.team-meta span{
  font-family:'IBM Plex Mono', monospace;
  font-size:11px;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--umber);
  margin-right:6px;
}
.team-meta a{ color:inherit; }
.team-meta a:hover{ color:var(--main); }
.loan-officers{ background:var(--bg); }
@media (max-width:980px){
  .team-grid{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width:640px){
  .team-grid{ grid-template-columns:1fr; max-width:420px; margin:0 auto; }
}

/* ---------- FAQ ---------- */
.faq-list{ max-width:760px; }
.faq-list details{ border-top:1px solid var(--line); padding:22px 0; }
.faq-list details:last-of-type{ border-bottom:1px solid var(--line); }
.faq-list summary{ cursor:pointer; list-style:none; display:flex; justify-content:space-between; align-items:center; gap:20px; font-weight:500; font-size:16.5px; color:var(--ink); }
.faq-list summary::-webkit-details-marker{ display:none; }
.faq-list summary .plus{ font-family:'Work Sans', sans-serif; font-size:22px; font-weight:400; color:var(--umber); flex-shrink:0; transition:transform .25s ease; line-height:1; }
.faq-list details[open] summary .plus{ transform:rotate(45deg); }
.faq-list details p{ margin:16px 0 0; color:var(--ink-soft); font-size:15px; max-width:640px; }

/* ---------- Final CTA ---------- */
.contact{ padding:110px 0; }
.cta-panel{
  position:relative; overflow:hidden;
  background:var(--main);
  border-radius:22px;
  padding:80px 60px;
  text-align:center;
}
.cta-panel .mark-wm{ position:absolute; right:-30px; bottom:-40px; width:220px; opacity:0.10; color:#fff; }
.cta-panel-inner{ position:relative; z-index:1; max-width:640px; margin:0 auto; }
.cta-panel h2{ font-size:clamp(30px,4.2vw,46px); color:#fff; line-height:1.1; }
.cta-panel h2 em{ color:rgba(255,255,255,0.88); }
.cta-panel p{ margin:18px 0 34px; font-size:16.5px; color:rgba(255,255,255,0.82); }
.cta-panel .btns{ display:flex; gap:16px; justify-content:center; flex-wrap:wrap; }
.cta-eyebrow{
  color:rgba(255,255,255,0.75);
  justify-content:center;
}
.cta-eyebrow-rule{
  width:24px; height:1px;
  background:rgba(255,255,255,0.5);
  display:inline-block;
}
@media (max-width:640px){
  .cta-panel{ padding:56px 28px; border-radius:16px; }
  .wrap{ padding:0 22px; }
}

/* ---------- reveal ---------- */
.reveal{ opacity:0; transform:translateY(18px); transition:opacity .7s ease, transform .7s ease; }
.reveal.is-visible{ opacity:1; transform:translateY(0); }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  .reveal{ opacity:1; transform:none; transition:none; }
  .ticker-track{ animation:none; }
}

/* ---------- Contact desk + form ---------- */
.contact-desk{ background:var(--bg-soft); }
.contact-desk-inner{
  display:grid;
  grid-template-columns:1.15fr 0.85fr;
  gap:36px;
  align-items:start;
}
.contact-form-panel{
  background:rgba(255,255,255,0.88);
  border:1px solid var(--line);
  border-radius:22px;
  padding:40px 36px;
}
.contact-form-panel h2{
  font-size:clamp(28px,3.2vw,38px);
  line-height:1.12;
  margin-bottom:12px;
}
.contact-form-lede{
  margin:0 0 28px;
  color:var(--ink-soft);
  font-size:15.5px;
  max-width:460px;
}
.ft-form{ display:flex; flex-direction:column; gap:18px; }
.ft-form-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
}
.ft-field{ display:flex; flex-direction:column; gap:8px; }
.ft-field label{
  font-family:'IBM Plex Mono', monospace;
  font-size:11px;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--umber);
}
.ft-input,
.ft-select,
.ft-textarea{
  width:100%;
  font-family:'Work Sans', sans-serif;
  font-size:15px;
  color:var(--ink);
  background:#fff;
  border:1.5px solid var(--line);
  border-radius:12px;
  padding:14px 16px;
  outline:none;
  transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease;
}
.ft-textarea{ resize:vertical; min-height:130px; line-height:1.55; }
.ft-select{
  appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5 11 1.5' fill='none' stroke='%236D5A49' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 16px center;
  padding-right:40px;
}
.ft-input:hover,
.ft-select:hover,
.ft-textarea:hover{ border-color:var(--ink-faint); }
.ft-input:focus,
.ft-select:focus,
.ft-textarea:focus{
  border-color:var(--umber);
  box-shadow:0 0 0 4px rgba(109,90,73,0.12);
}
.ft-input.input-validation-error,
.ft-select.input-validation-error,
.ft-textarea.input-validation-error{
  border-color:#b42318;
}
.ft-error{
  min-height:16px;
  font-size:12.5px;
  color:#b42318;
}
.ft-form-actions{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:14px;
  margin-top:6px;
}
.ft-form-note{
  margin:0;
  font-size:12.5px;
  color:var(--ink-faint);
  max-width:420px;
  line-height:1.5;
}
.contact-success{
  text-align:left;
  padding:12px 0;
}
.contact-success-mark{
  width:48px;
  height:48px;
  border-radius:50%;
  background:var(--main);
  color:#fff;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font-size:22px;
  margin-bottom:18px;
}
.contact-success h2{
  margin-bottom:12px;
}
.contact-success p{
  color:var(--ink-soft);
  margin:0 0 26px;
  max-width:420px;
}
.contact-aside{ display:flex; flex-direction:column; gap:18px; }
.contact-aside-media{
  border-radius:20px;
  overflow:hidden;
  border:1px solid var(--line);
  background:#fff;
}
.contact-aside-media img{
  width:100%;
  height:260px;
  object-fit:cover;
  display:block;
}
.contact-aside-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:20px;
  padding:28px 24px;
}
.contact-aside-card h3{
  font-size:22px;
  margin-bottom:18px;
}
.contact-aside-list{ display:flex; flex-direction:column; gap:14px; margin-bottom:18px; }
.contact-aside-list li{
  display:flex;
  flex-direction:column;
  gap:4px;
  padding-bottom:12px;
  border-bottom:1px solid var(--line);
  font-size:15px;
  color:var(--ink);
}
.contact-aside-list li:last-child{ border-bottom:none; padding-bottom:0; }
.contact-aside-list a{
  color:inherit;
  text-decoration:none;
}
.contact-aside-list a:hover{ color:var(--main); }
.contact-aside-label{
  font-family:'IBM Plex Mono', monospace;
  font-size:11px;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--umber);
}
.contact-aside-note{
  margin:0;
  color:var(--ink-soft);
  font-size:14px;
  line-height:1.55;
}

@media (max-width:900px){
  .contact-desk-inner{ grid-template-columns:1fr; }
  .ft-form-row{ grid-template-columns:1fr; }
  .contact-form-panel{ padding:28px 22px; }
  .contact-aside-media img{ height:220px; }
}