/* Clayhouse Mortgage — shared design system */
:root {
  /* ===== Minimal: whitespace + black type ===== */
  --green:   #111111;   /* dark anchors (footer/CTA) — near-black */
  --green-2: #1b1b1b;
  --green-3: #2a2a2a;
  --cream:   #ffffff;   /* primary background — white */
  --paper:   #fafafa;   /* faint off-white for alternating sections */
  --sand:    #f4f3f1;
  --sand-2:  #e8e7e4;
  --burgundy:    #111111; /* accent / buttons = black */
  --burgundy-ink:#000000;
  --clay:    #111111;
  --clay-ink:#111111;
  --gold:    #ffffff;   /* on-dark accent = white */
  --ink:     #141414;
  --muted:   #6b6b6b;
  --line:    #e6e6e6;
  --serif: 'Geist', system-ui, -apple-system, sans-serif;   /* template is all-sans (Geist) */
  --sans:  'Geist', system-ui, -apple-system, sans-serif;
  --maxw: 1240px;
  --pad: clamp(20px, 5vw, 84px);
}
h1,h2,h3,h4{letter-spacing:-0.02em;}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 18px;
  line-height: 1.6;
  font-weight: 400;
}
::selection { background: var(--clay); color: #fff; }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; margin: 0; line-height: 1.04; letter-spacing: -0.01em; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding-inline: var(--pad); }

.eyebrow {
  font-family: var(--sans);
  font-size: 13px; font-weight: 600;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--clay-ink);
  display: inline-flex; align-items: center; gap: 8px;
}
.eyebrow.on-dark { color: #fff0c4; }
.display { font-size: clamp(44px, 7vw, 92px); line-height: 0.98; letter-spacing: -0.02em; }
.lead { font-size: clamp(19px, 1.5vw, 22px); line-height: 1.55; color: var(--muted); font-weight: 400; }

.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans); font-weight: 600; font-size: 16px;
  padding: 15px 26px; border-radius: 2px; cursor: pointer;
  border: 1px solid transparent; transition: all .25s ease;
  line-height: 1; white-space: nowrap;
}
.btn-primary { background: var(--clay); color: #fff; }
.btn-primary:hover { background: var(--clay-ink); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: var(--cream); }
.btn-ghost.on-dark { color: var(--cream); border-color: rgba(247,242,232,.4); }
.btn-ghost.on-dark:hover { background: var(--cream); color: var(--green); border-color: var(--cream); }
.btn .arrow { transition: transform .25s ease; }
.btn:hover .arrow { transform: translateX(4px); }

.textlink {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 15px; color: var(--clay-ink);
  border-bottom: 1px solid transparent; padding-bottom: 2px; transition: border-color .2s;
}
.textlink:hover { border-color: var(--clay); }
.textlink .arrow { transition: transform .25s ease; }
.textlink:hover .arrow { transform: translateX(4px); }

.ph {
  position: relative; overflow: hidden;
  background-color: var(--sand);
  background-image: repeating-linear-gradient(135deg, transparent 0 11px, rgba(0,0,0,.035) 11px 12px);
  border: 1px solid var(--line);
  display: flex; align-items: flex-end;
}
.ph.dark { background-color: var(--green-2); background-image: repeating-linear-gradient(135deg, transparent 0 11px, rgba(255,255,255,.045) 11px 12px); border-color: rgba(255,255,255,.12); }
.ph .ph-tag {
  font-family: 'SF Mono', ui-monospace, Menlo, monospace;
  font-size: 11px; letter-spacing: .04em; color: var(--muted);
  background: rgba(252,249,242,.82); border: 1px solid var(--line); border-radius: 2px;
  padding: 5px 9px; margin: 12px; backdrop-filter: blur(2px);
}
.ph.dark .ph-tag { color: #cdbfa8; background: rgba(28,47,37,.7); border-color: rgba(255,255,255,.14); }

[data-reveal] { opacity: 0; transform: translateY(22px); }
.reveal-in [data-reveal] { opacity: 1; transform: none; transition: opacity .8s cubic-bezier(.2,.7,.2,1), transform .8s cubic-bezier(.2,.7,.2,1); }
.reveal-in [data-reveal][data-d="1"] { transition-delay: .08s; }
.reveal-in [data-reveal][data-d="2"] { transition-delay: .16s; }
.reveal-in [data-reveal][data-d="3"] { transition-delay: .24s; }
.reveal-in [data-reveal][data-d="4"] { transition-delay: .32s; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1 !important; transform: none !important; }
  html { scroll-behavior: auto; }
}

.hr-rule { height: 1px; background: var(--line); border: 0; }
#root { overflow-x: clip; }

/* ===== components (nav, calculators, footer) ===== */
.site-nav{position:sticky;top:0;z-index:50;background:transparent;border-bottom:1px solid transparent;transition:background .35s ease,border-color .35s ease;}
.site-nav.scrolled{background:rgba(247,242,232,.88);backdrop-filter:saturate(140%) blur(10px);border-bottom-color:var(--line);}
.site-nav .bar{display:flex;align-items:center;justify-content:space-between;height:78px;}
.nav-links{display:flex;gap:30px;}
.nav-links a{font-size:15.5px;font-weight:500;color:var(--ink);padding-bottom:2px;border-bottom:1.5px solid transparent;transition:border-color .2s;}
.nav-links a:hover{border-color:var(--clay);}
.nav-phone{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:15px;}
@media(max-width:1080px){.nav-links{display:none;}}
@media(max-width:720px){.nav-phone{display:none;}}

.cc-segwrap{display:inline-flex;padding:5px;gap:5px;background:var(--sand);border-radius:100px;border:1px solid var(--line);}
.cc-segment{padding:12px 30px;border-radius:100px;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:15.5px;border:none;background:transparent;color:var(--ink);transition:all .25s;}
.cc-segment.on{background:var(--green);color:var(--cream);}
.cc-pill{padding:9px 17px;border-radius:100px;cursor:pointer;font-family:var(--sans);font-size:14px;font-weight:600;border:1px solid var(--line);background:transparent;color:var(--ink);transition:all .2s;}
.cc-pill.on{border-color:var(--clay);background:var(--clay);color:#fff;}
.cc-card{margin-top:28px;background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:clamp(26px,3.4vw,44px);}
.cc-card h2{font-size:clamp(24px,3vw,34px);color:var(--green);}
.cc-cardblurb{font-size:16px;color:var(--muted);margin-top:8px;margin-bottom:30px;line-height:1.55;max-width:620px;}
.cc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
.cc-field{display:flex;flex-direction:column;gap:8px;}
.cc-flabel{font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);}
.cc-fval{font-family:var(--serif);font-size:22px;color:var(--green);}
.cc-seg{display:flex;gap:8px;margin-top:2px;}
.cc-segbtn{flex:1;padding:11px 0;border-radius:2px;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:14.5px;border:1px solid var(--line);background:transparent;color:var(--ink);transition:all .2s;}
.cc-segbtn.on{border-color:var(--green);background:var(--green);color:var(--cream);}
.calc-range{-webkit-appearance:none;appearance:none;width:100%;height:3px;background:var(--sand-2);border-radius:3px;outline:none;}
.calc-range::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--clay);cursor:pointer;border:3px solid var(--paper);box-shadow:0 0 0 1px var(--clay);}
.calc-range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--clay);cursor:pointer;border:3px solid var(--paper);}
.cc-result{display:flex;align-items:flex-end;justify-content:space-between;margin-top:30px;padding-top:26px;border-top:1px solid var(--line);gap:24px;flex-wrap:wrap;}
.cc-result-label{font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--clay-ink);}
.cc-result-value{font-family:var(--serif);font-size:clamp(38px,5vw,56px);color:var(--green);line-height:1;}
.cc-side{display:flex;gap:28px;flex-wrap:wrap;}
.cc-sideitem{font-size:13.5px;color:var(--muted);}
.cc-sideitem strong{font-family:var(--serif);font-size:20px;color:var(--ink);font-weight:400;}
.cc-note{font-size:13.5px;color:var(--muted);margin-top:22px;line-height:1.6;}
.cc-disclaimer{font-size:12px;color:var(--muted);margin-top:24px;line-height:1.6;font-style:italic;border-top:1px solid var(--line);padding-top:18px;}
@media(max-width:520px){.cc-inputs{grid-template-columns:1fr;}}

.not-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,4vw,64px);align-items:start;}
.not-items{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.not-card{background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:22px;}
.not-card h3{font-size:19px;color:var(--green);}
.not-card p{font-size:14.5px;color:var(--muted);margin-top:8px;line-height:1.55;}
@media(max-width:820px){.not-grid{grid-template-columns:1fr;}}
@media(max-width:520px){.not-items{grid-template-columns:1fr;}}

.site-footer{background:var(--green);color:var(--cream);padding-top:72px;}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:56px;border-bottom:1px solid rgba(247,242,232,.14);}
.foot-grid h4{font-family:var(--sans);font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#fff0c4;margin-bottom:16px;}
.foot-grid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;}
.foot-grid ul a{font-size:15px;color:rgba(247,242,232,.78);}
.foot-grid ul a:hover{color:var(--cream);}
.foot-contact a,.foot-contact span{color:rgba(247,242,232,.85);}
.legal-row{display:flex;gap:26px;align-items:flex-start;padding-top:30px;color:rgba(247,242,232,.55);}
.legal-row p{margin-bottom:10px;}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;padding:26px 0 30px;margin-top:26px;border-top:1px solid rgba(247,242,232,.14);font-size:13px;color:rgba(247,242,232,.55);flex-wrap:wrap;gap:12px;}
.foot-bottom a{margin-left:22px;}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr;}.legal-row{flex-direction:column;}}

/* ===== home page ===== */
.hero-full{position:relative;background:var(--green);color:var(--cream);overflow:hidden;}
.hero-bg{position:absolute;inset:0;}
.hero-scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,33,26,.93) 0%,rgba(20,33,26,.82) 38%,rgba(20,33,26,.25) 100%);}
.hero-inner{position:relative;min-height:min(86vh,760px);display:flex;flex-direction:column;justify-content:center;padding-top:clamp(60px,9vw,120px);padding-bottom:clamp(48px,7vw,96px);}
.hero-pills{display:flex;gap:40px;margin-top:clamp(40px,6vw,72px);flex-wrap:wrap;color:rgba(247,242,232,.9);}

.adv-top{display:grid;grid-template-columns:1fr .8fr;gap:clamp(28px,5vw,72px);align-items:end;margin-bottom:clamp(44px,5vw,72px);}
.adv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);}
.adv-cell{background:var(--cream);padding:clamp(28px,3vw,40px);}
.adv-cell h3{font-size:25px;margin-top:26px;color:var(--green);line-height:1.12;}
.adv-cell p{font-size:16px;color:var(--muted);margin-top:14px;line-height:1.62;}
@media(max-width:820px){.adv-top{grid-template-columns:1fr;align-items:start;}.adv-grid{grid-template-columns:1fr;}}

.loan-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,88px);margin-top:clamp(44px,5vw,68px);}
.loan-row{display:flex;align-items:center;justify-content:space-between;padding:18px 4px;border-bottom:1px solid var(--line);transition:padding .25s ease;}
.loan-row:hover{padding-left:14px;}
.loan-row .lr-name{font-family:var(--serif);font-size:22px;color:var(--green);transition:color .2s;}
.loan-row:hover .lr-name{color:var(--clay-ink);}
.loan-row .lr-arrow{opacity:0;transition:opacity .2s;color:var(--clay);}
.loan-row:hover .lr-arrow{opacity:1;}
.loan-col-h{display:flex;align-items:center;gap:10px;margin-bottom:10px;}
.loan-col-h h3{font-family:var(--sans);font-weight:700;font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--green);}
@media(max-width:760px){.loan-grid{grid-template-columns:1fr;}}

.how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(24px,3vw,40px);margin-top:clamp(48px,6vw,76px);}
.how-step{padding-top:26px;border-top:2px solid rgba(247,242,232,.25);position:relative;}
.how-step .bar{position:absolute;top:-1px;left:0;width:46px;height:2px;background:var(--clay);}
.how-step h3{font-size:24px;margin-top:22px;color:var(--cream);}
.how-step p{font-size:15.5px;color:rgba(247,242,232,.72);margin-top:12px;line-height:1.6;}
@media(max-width:900px){.how-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:520px){.how-grid{grid-template-columns:1fr;}}

.logan-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(32px,5vw,80px);align-items:center;}
@media(max-width:820px){.logan-grid{grid-template-columns:1fr;}}

.calc-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(32px,5vw,72px);align-items:center;}
.calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
@media(max-width:820px){.calc-grid{grid-template-columns:1fr;}}
@media(max-width:480px){.calc-inputs{grid-template-columns:1fr;}}

.proof-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:clamp(20px,2vw,28px);align-items:stretch;}
@media(max-width:760px){.proof-grid{grid-template-columns:1fr;}}
.quote{margin:0;background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:30px;height:100%;display:flex;flex-direction:column;}
.quote.big{padding:clamp(30px,3.5vw,46px);}

.edu-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:clamp(28px,4vw,56px);align-items:start;}
.edu-feat:hover .edu-title{color:var(--clay-ink);}
.edu-title{transition:color .2s;}
.edu-row{display:flex;gap:18px;padding:22px 0;border-top:1px solid var(--line);}
.edu-row:last-child{border-bottom:1px solid var(--line);}
.edu-r-title{font-family:var(--serif);font-size:20px;color:var(--green);margin-top:6px;line-height:1.2;transition:color .2s;}
.edu-row:hover .edu-r-title{color:var(--clay-ink);}
@media(max-width:820px){.edu-grid{grid-template-columns:1fr;}}

/* ===== sub-page shared ===== */
.page-hero{padding-top:clamp(40px,5vw,68px);padding-bottom:clamp(48px,6vw,88px);}
.crumb{display:flex;gap:9px;align-items:center;font-size:13.5px;color:var(--muted);flex-wrap:wrap;margin-bottom:28px;}
.crumb a{color:var(--muted);border-bottom:1px solid transparent;}
.crumb a:hover{border-color:currentColor;}
.crumb .sep{opacity:.5;}
.crumb .here{color:var(--green);font-weight:600;}
.crumb.dark{color:rgba(247,242,232,.6);}
.crumb.dark a{color:rgba(247,242,232,.6);}
.crumb.dark .here{color:var(--cream);}
.cta-band{background:var(--green);color:var(--cream);padding:clamp(64px,9vw,128px) 0;position:relative;overflow:hidden;}
.cta-ring1{position:absolute;right:-6%;top:50%;transform:translateY(-50%);width:460px;height:460px;border-radius:50%;border:1px solid rgba(247,242,232,.1);}
.cta-ring2{position:absolute;right:4%;top:50%;transform:translateY(-50%);width:300px;height:300px;border-radius:50%;border:1px solid rgba(247,242,232,.08);}

/* ===== loan options ===== */
.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,24px);}
.path-card{display:block;background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:clamp(24px,3vw,34px);transition:background .25s,border-color .25s;}
.path-card .pc-ic{color:var(--green);transition:color .25s;display:inline-flex;}
.path-card h3{font-size:25px;margin-top:20px;color:var(--green);transition:color .25s;}
.path-card p{font-size:15.5px;color:var(--muted);margin-top:10px;line-height:1.6;transition:color .25s;}
.path-card:hover{background:var(--green);border-color:var(--green);}
.path-card:hover .pc-ic{color:#fff0c4;}
.path-card:hover h3{color:var(--cream);}
.path-card:hover p{color:rgba(247,242,232,.8);}
.lc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,1.8vw,24px);}
.loan-card{display:flex;flex-direction:column;background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:26px 26px 24px;transition:transform .25s,box-shadow .25s,border-color .25s;height:100%;}
.loan-card .lc-num{font-family:var(--serif);font-size:15px;color:var(--sand-2);}
.loan-card .lc-arrow{opacity:0;transition:opacity .2s;color:var(--clay);display:inline-flex;}
.loan-card h3{font-size:24px;margin-top:16px;color:var(--green);line-height:1.12;}
.loan-card p{font-size:15.5px;color:var(--muted);margin-top:11px;line-height:1.6;flex:1;}
.loan-card .lc-fit{margin-top:18px;padding-top:16px;border-top:1px solid var(--line);font-size:13px;color:var(--ink);}
.loan-card .lc-fit b{color:var(--clay-ink);font-weight:600;}
.loan-card:hover{transform:translateY(-4px);box-shadow:0 22px 44px -28px rgba(28,47,37,.5);border-color:var(--clay);}
.loan-card:hover .lc-arrow{opacity:1;}
.notsure-grid{display:grid;grid-template-columns:1fr auto;gap:32px;align-items:center;}
@media(max-width:900px){.lc-grid,.path-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.lc-grid,.path-grid{grid-template-columns:1fr;}.notsure-grid{grid-template-columns:1fr;}}

/* ===== about ===== */
.story-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(32px,5vw,80px);align-items:start;}
.team-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,2.5vw,32px);margin-top:clamp(36px,4vw,56px);}
.person{background:var(--cream);border:1px solid var(--line);border-radius:4px;overflow:hidden;display:flex;flex-direction:column;}
.person img{aspect-ratio:1/1;object-fit:cover;width:100%;}
.person .pbody{padding:clamp(24px,2.6vw,32px);}
.person h3{font-size:28px;color:var(--green);}
.person .prole{font-size:14px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--clay-ink);}
.person .pnmls{font-size:12.5px;color:var(--muted);font-family:monospace;}
.person p{font-size:16px;color:var(--muted);margin-top:16px;line-height:1.65;}
.beliefs-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(32px,5vw,72px);align-items:start;}
.belief{padding:24px 0;border-bottom:1px solid rgba(247,242,232,.18);display:grid;grid-template-columns:48px 1fr;gap:20px;}
.belief:first-child{border-top:1px solid rgba(247,242,232,.18);}
.belief .bn{font-family:var(--serif);font-size:22px;color:#fff0c4;}
.belief h3{font-size:23px;color:var(--cream);}
.belief p{font-size:16px;color:rgba(247,242,232,.72);margin-top:10px;line-height:1.6;max-width:620px;}
.local-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,64px);align-items:center;}
@media(max-width:860px){.story-grid,.team-grid,.beliefs-grid,.local-grid{grid-template-columns:1fr;}}

/* ===== reviews ===== */
.rev-masonry{column-count:3;column-gap:clamp(16px,2vw,24px);}
.review{margin:0;break-inside:avoid;background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:28px;margin-bottom:clamp(16px,2vw,24px);}
.review.big{padding:clamp(28px,3vw,42px);}
.review blockquote{margin:18px 0 0;font-family:var(--serif);font-size:18px;line-height:1.42;color:var(--green);}
.review.big blockquote{font-size:clamp(21px,2.2vw,27px);}
.review .ph-quote{display:block;color:var(--muted);font-style:italic;background:repeating-linear-gradient(135deg,transparent 0 11px,rgba(0,0,0,.03) 11px 12px);border-radius:3px;padding:6px 10px;border:1px dashed var(--line);}
.review figcaption{display:flex;align-items:center;gap:12px;margin-top:22px;padding-top:18px;border-top:1px solid var(--line);}
.leave-grid{display:grid;grid-template-columns:1fr auto;gap:32px;align-items:center;}
@media(max-width:980px){.rev-masonry{column-count:2;}}
@media(max-width:620px){.rev-masonry{column-count:1;}.leave-grid{grid-template-columns:1fr;}}

/* ===== learning ===== */
.chip{padding:9px 16px;border-radius:100px;cursor:pointer;font-family:var(--sans);font-size:14px;font-weight:600;border:1px solid var(--line);background:transparent;color:var(--ink);transition:all .2s;white-space:nowrap;}
.chip.on{border-color:var(--green);background:var(--green);color:var(--cream);}
.feat{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,4vw,56px);align-items:center;}
.feat-title{transition:color .2s;}
.feat:hover .feat-title{color:var(--clay-ink);}
.art-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,2.4vw,36px);}
.art-card{display:flex;flex-direction:column;height:100%;}
.art-card .art-title{transition:color .2s;}
.art-card:hover .art-title{color:var(--clay-ink);}
.follow-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,64px);align-items:center;}
.follow-grid input{flex:1;min-width:220px;padding:15px 18px;border-radius:2px;border:1px solid rgba(247,242,232,.3);background:rgba(247,242,232,.06);color:var(--cream);font-family:var(--sans);font-size:16px;}
@media(max-width:900px){.art-grid{grid-template-columns:1fr 1fr;}.feat,.follow-grid{grid-template-columns:1fr;}}
@media(max-width:600px){.art-grid{grid-template-columns:1fr;}}

/* ===== contact ===== */
.start-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(18px,2vw,26px);}
.start-card{display:flex;flex-direction:column;background:var(--cream);color:var(--ink);border:1px solid var(--line);border-radius:4px;padding:clamp(28px,3vw,40px);height:100%;}
.start-card.primary{background:var(--green);color:var(--cream);border-color:var(--green);}
.start-card .sc-ic{color:var(--clay-ink);display:inline-flex;}
.start-card.primary .sc-ic{color:#fff0c4;}
.start-card .sc-k{font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--clay-ink);margin-top:22px;}
.start-card.primary .sc-k{color:#fff0c4;}
.start-card h3{font-size:27px;margin-top:8px;color:var(--green);}
.start-card.primary h3{color:var(--cream);}
.start-card p{font-size:15.5px;margin-top:12px;line-height:1.6;color:var(--muted);flex:1;}
.start-card.primary p{color:rgba(247,242,232,.78);}
.details-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center;}
.detail-row{display:flex;gap:18px;align-items:center;padding:20px 0;border-bottom:1px solid var(--line);}
.detail-row .dr-ic{width:46px;height:46px;border-radius:50%;background:var(--sand);display:grid;place-items:center;flex:none;}
.detail-row .dr-k{font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--clay-ink);}
.detail-row .dr-v{font-family:var(--serif);font-size:23px;color:var(--green);margin-top:2px;}
@media(max-width:880px){.start-grid,.details-grid{grid-template-columns:1fr;}}

/* ===== article ===== */
.article-body p{font-size:18.5px;line-height:1.75;color:var(--ink);margin-bottom:24px;}
.article-body h2{font-size:clamp(26px,3vw,34px);color:var(--green);margin:44px 0 16px;}
.article-body h3{font-size:clamp(20px,2.2vw,25px);color:var(--green);margin:32px 0 12px;}
.article-body strong{color:var(--green);font-weight:700;}
.article-body em{color:var(--ink);}
.article-body ul{margin:0 0 24px;padding:0;list-style:none;display:flex;flex-direction:column;gap:13px;}
.article-body li{position:relative;padding-left:26px;font-size:18px;line-height:1.6;color:var(--ink);}
.article-body li::before{content:'';position:absolute;left:4px;top:12px;width:7px;height:7px;border-radius:50%;background:var(--clay);}
.article-body blockquote{margin:36px 0;padding:4px 0 4px 28px;border-left:3px solid var(--clay);font-family:var(--serif);font-size:clamp(22px,2.6vw,29px);line-height:1.4;color:var(--green);font-style:italic;}
.article-note{margin-top:40px;padding:22px 24px;background:var(--sand);border-radius:4px;font-size:13.5px;color:var(--muted);line-height:1.6;font-style:italic;}
.rel-art-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,2.4vw,32px);margin-top:clamp(32px,4vw,48px);}
@media(max-width:860px){.rel-art-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.rel-art-grid{grid-template-columns:1fr;}}

/* ===== loan detail ===== */
.dh-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(32px,5vw,72px);align-items:center;}
.snap{background:rgba(247,242,232,.06);border:1px solid rgba(247,242,232,.16);border-radius:4px;padding:20px 22px;margin-top:18px;}
.snap-h{font-weight:700;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:#fff0c4;margin-bottom:6px;}
.snap-row{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid rgba(247,242,232,.16);}
.snap-row .sk{color:rgba(247,242,232,.6);font-size:14.5px;}
.snap-row .sv{color:var(--cream);font-size:14.5px;font-weight:600;text-align:right;}
.fit-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,2vw,26px);margin-top:clamp(36px,4vw,52px);}
.fit-col{background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:clamp(26px,3vw,38px);}
.fit-col .fc-h{display:flex;align-items:center;gap:10px;margin-bottom:18px;}
.fit-col h3{font-size:23px;color:var(--green);}
.fit-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px;}
.fit-col li{display:flex;gap:12px;font-size:16px;color:var(--ink);line-height:1.5;}
.fit-col li .dot{width:6px;height:6px;border-radius:50%;flex:none;margin-top:9px;}
.howpoint{display:grid;grid-template-columns:54px 1fr;gap:22px;padding:26px 0;border-top:1px solid var(--line);}
.howpoint .hpn{font-family:var(--serif);font-size:30px;color:var(--clay);line-height:1;}
.howpoint h3{font-size:22px;color:var(--green);}
.howpoint p{font-size:16px;color:var(--muted);margin-top:10px;line-height:1.62;max-width:620px;}
.doc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.doc-chip{display:flex;gap:11px;align-items:center;padding:15px 16px;background:rgba(247,242,232,.05);border:1px solid rgba(247,242,232,.14);border-radius:3px;font-size:15px;}
.faq{border-bottom:1px solid var(--line);}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:22px 0;cursor:pointer;font-family:var(--serif);font-size:clamp(19px,2.2vw,23px);color:var(--green);}
.faq summary::-webkit-details-marker{display:none;}
.faq summary .fq-plus{flex:none;width:28px;height:28px;display:grid;place-items:center;color:var(--clay);transition:transform .25s;font-size:26px;font-weight:300;}
.faq[open] summary .fq-plus{transform:rotate(45deg);}
.faq .fq-a{font-size:16.5px;color:var(--muted);line-height:1.65;padding-bottom:24px;max-width:720px;}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,24px);margin-top:clamp(32px,4vw,48px);}
.rel-card{display:block;background:var(--cream);border:1px solid var(--line);border-radius:4px;padding:24px;transition:border-color .2s,transform .2s;}
.rel-card:hover{border-color:var(--clay);transform:translateY(-3px);}
.rel-card h3{font-size:21px;color:var(--green);}
.rel-card p{font-size:15px;color:var(--muted);margin-top:9px;line-height:1.55;}
@media(max-width:860px){.dh-grid,.fit-grid{grid-template-columns:1fr;}.rel-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.rel-grid,.doc-grid{grid-template-columns:1fr;}}

/* ===== reviews carousel (owned) ===== */
.rev-carousel{position:relative;max-width:860px;margin:0 auto;}
.rc-viewport{position:relative;overflow:hidden;border:1px solid var(--line);border-radius:6px;background:var(--cream);}
.rc-track{display:flex;align-items:stretch;transition:transform .55s cubic-bezier(.4,0,.2,1);}
.rc-slide{flex:0 0 100%;min-width:100%;display:flex;flex-direction:column;justify-content:center;padding:clamp(32px,5vw,60px);}
.rc-stars{display:flex;gap:5px;margin-bottom:18px;}
.rc-quote{font-family:var(--serif);font-size:clamp(20px,2.4vw,27px);line-height:1.45;color:var(--green);margin:0;max-width:38ch;}
.rc-foot{display:flex;align-items:center;gap:13px;margin-top:26px;padding-top:20px;border-top:1px solid var(--line);}
.rc-ava{width:46px;height:46px;border-radius:50%;flex:none;display:grid;place-items:center;background:var(--sand);font-family:var(--serif);font-size:20px;color:var(--green);overflow:hidden;}
.rc-ava img{width:100%;height:100%;object-fit:cover;}
.rc-name{font-weight:700;font-size:15.5px;color:var(--ink);line-height:1.2;}
.rc-meta{font-size:13px;color:var(--muted);margin-top:2px;display:flex;align-items:center;gap:7px;}
.rc-src{display:inline-flex;align-items:center;gap:5px;font-size:12px;color:var(--muted);}
.rc-controls{display:flex;align-items:center;justify-content:center;gap:20px;margin-top:24px;}
.rc-arrow{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--paper);display:grid;place-items:center;cursor:pointer;color:var(--green);transition:all .2s;flex:none;}
.rc-arrow:hover{background:var(--green);color:var(--cream);border-color:var(--green);}
.rc-dots{display:flex;gap:9px;align-items:center;flex-wrap:wrap;justify-content:center;}
.rc-dot{width:8px;height:8px;border-radius:50%;border:none;background:var(--sand-2);cursor:pointer;padding:0;transition:all .25s;}
.rc-dot.on{background:var(--clay);width:24px;border-radius:5px;}
.rc-empty{text-align:center;padding:clamp(36px,5vw,56px) 24px;}
@media(max-width:520px){.rc-slide{padding:26px 22px;}}

/* ===== reviews wall (uniform grid, expandable cards) ===== */
.rev-wall{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,24px);align-items:stretch;}
.rw-card{display:flex;flex-direction:column;min-height:336px;background:var(--cream);border:1px solid var(--line);border-radius:6px;padding:clamp(22px,2.4vw,30px);}
.rw-quote{font-family:var(--serif);font-size:16.5px;line-height:1.5;color:var(--green);margin:0;display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden;}
.rw-card.expanded .rw-quote{-webkit-line-clamp:unset;overflow:visible;}
.rw-more{align-self:flex-start;margin-top:12px;background:none;border:none;padding:0;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:13.5px;color:var(--clay-ink);border-bottom:1px solid transparent;transition:border-color .2s;}
.rw-more:hover{border-color:var(--clay);}
.rw-foot{display:flex;align-items:center;gap:11px;margin-top:auto;padding-top:16px;border-top:1px solid var(--line);}
.rev-wall-empty{grid-column:1/-1;text-align:center;padding:clamp(36px,5vw,56px) 24px;border:1px solid var(--line);border-radius:6px;background:var(--cream);}
@media(max-width:900px){.rev-wall{grid-template-columns:repeat(2,1fr);}}
@media(max-width:580px){.rev-wall{grid-template-columns:1fr;}}

/* ===== Template #2 composition: green nav, pill buttons, photo hero, stat bar ===== */
.site-nav{background:var(--green) !important;border-bottom:1px solid rgba(255,255,255,.08) !important;backdrop-filter:none !important;}
.site-nav .nav-links a{color:rgba(247,244,235,.82);}
.site-nav .nav-links a:hover{border-color:var(--gold);color:#fff;}
.site-nav .nav-phone{color:rgba(247,244,235,.92) !important;}
.site-nav .nav-phone svg{stroke:var(--gold) !important;}
.btn{border-radius:100px;padding:15px 28px;}
.btn-primary{background:var(--burgundy);}
.btn-primary:hover{background:var(--burgundy-ink);}

.hero-photo{position:relative;min-height:min(90vh,820px);display:flex;align-items:flex-end;overflow:hidden;background:var(--green);}
.hero-photo .hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 28%;}
.hero-photo .hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,31,8,.5) 0%,rgba(13,31,8,.12) 30%,rgba(13,31,8,.55) 62%,rgba(13,31,8,.92) 100%);}
.hero-wordmark{position:absolute;left:0;right:0;bottom:-.04em;z-index:1;font-weight:600;font-size:clamp(26px,7.3vw,126px);color:rgba(247,244,235,.07);white-space:nowrap;letter-spacing:-.03em;line-height:.8;pointer-events:none;padding-left:var(--pad);padding-right:var(--pad);}
.hero-content{position:relative;z-index:2;padding-bottom:clamp(52px,7vw,96px);padding-top:clamp(40px,6vw,80px);}
.hero-content h1{color:#fff;}

.statbar{background:var(--green);color:var(--cream);border-top:1px solid rgba(255,255,255,.1);}
.statbar .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(18px,2vw,32px);padding-top:clamp(36px,4vw,60px);padding-bottom:clamp(36px,4vw,60px);}
.stat{text-align:center;border-left:1px solid rgba(255,255,255,.12);}
.stat:first-child{border-left:none;}
.stat .num{font-size:clamp(32px,3.6vw,50px);font-weight:600;color:#fff;letter-spacing:-.02em;line-height:1;}
.stat .lbl{font-size:13px;color:rgba(247,244,235,.6);margin-top:10px;letter-spacing:.04em;line-height:1.4;}
@media(max-width:720px){.statbar .wrap{grid-template-columns:1fr 1fr;gap:28px 16px;}.stat:nth-child(3){border-left:none;}}

/* ===== Minimal override: white nav, light stat bar, clean accents ===== */
.site-nav{background:#fff !important;border-bottom:1px solid var(--line) !important;backdrop-filter:none !important;}
.site-nav .nav-links a{color:var(--ink);}
.site-nav .nav-links a:hover{border-color:var(--ink);color:#000;}
.site-nav .nav-phone{color:var(--ink) !important;}
.site-nav .nav-phone svg{stroke:var(--ink) !important;}
.eyebrow{color:var(--ink);}            /* black eyebrows on light */
.eyebrow.on-dark{color:rgba(255,255,255,.7);}
.textlink{color:var(--ink);}
.textlink:hover{border-color:var(--ink);}
.btn-primary{background:#111;color:#fff;}
.btn-primary:hover{background:#000;}
.btn-ghost{border-color:var(--ink);color:var(--ink);}

/* stat bar -> light, minimal */
.statbar{background:#fff !important;color:var(--ink) !important;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.statbar .stat{border-left:1px solid var(--line);}
.statbar .stat:first-child{border-left:none;}
.statbar .stat .num{color:var(--ink);}
.statbar .stat .lbl{color:var(--muted);}
@media(max-width:720px){.statbar .stat:nth-child(3){border-left:none;}}

/* hero veil a touch lighter for the minimal feel; headline stays white over photo */
.hero-photo .hero-veil{background:linear-gradient(180deg,rgba(10,10,10,.42) 0%,rgba(10,10,10,.08) 32%,rgba(10,10,10,.5) 64%,rgba(10,10,10,.86) 100%);}
.hero-wordmark{color:rgba(255,255,255,.08);}

/* ===== loan detail — minimal (light snapshot + doc chips) ===== */
.snap{background:#fff;border:1px solid var(--line);border-radius:8px;padding:22px 24px;margin-top:18px;}
.snap-h{color:var(--ink);}
.snap-row{border-bottom:1px solid var(--line);}
.snap-row .sk{color:var(--muted);}
.snap-row .sv{color:var(--ink);}
.snap-foot{padding-top:12px;font-size:12px;color:var(--muted);}
.doc-chip{background:#fff;border:1px solid var(--line);color:var(--ink);}
.loan-hero-img{width:100%;aspect-ratio:5/4;object-fit:cover;border-radius:8px;display:block;}

/* review source badge as a link back to origin */
.rc-srclink{color:inherit;border-bottom:1px solid transparent;transition:border-color .2s;}
.rc-srclink:hover{border-color:var(--muted);}

/* ===== lead capture (consent-gated; works on light + dark sections via white card) ===== */
.lead-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(26px,3vw,40px);box-shadow:0 1px 2px rgba(17,17,17,.04),0 30px 64px -42px rgba(17,17,17,.30);}
.lead-card .lf-head{margin-bottom:22px;}
.lead-card .lf-title{font-family:var(--serif);font-size:clamp(21px,2.3vw,27px);color:var(--green);line-height:1.15;}
.lead-card .lf-sub{margin-top:9px;font-size:14.5px;color:var(--muted);line-height:1.55;}
.lead-form{display:flex;flex-direction:column;gap:15px;}
.lf-row{display:grid;grid-template-columns:1fr 1fr;gap:15px;}
@media(max-width:520px){.lf-row{grid-template-columns:1fr;}}
.lf-field{display:flex;flex-direction:column;gap:7px;}
.lf-field label{font-size:12px;font-weight:600;letter-spacing:.04em;color:var(--ink);}
.lf-field input,.lf-field select{padding:13px 15px;border:1px solid var(--line);border-radius:8px;background:#fff;font-family:var(--sans);font-size:16px;color:var(--ink);width:100%;-webkit-appearance:none;appearance:none;transition:border-color .15s,box-shadow .15s;}
.lf-field select{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236b6b6b' stroke-width='2'><path d='m6 9 6 6 6-6'/></svg>");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px;}
.lf-field input:focus,.lf-field select:focus{outline:none;border-color:var(--clay);box-shadow:0 0 0 3px rgba(17,17,17,.06);}
.lf-field input.lf-bad,.lf-consent.lf-bad{border-color:#c0392b;}
.lf-consent{display:flex;gap:11px;align-items:flex-start;padding:14px 16px;background:var(--sand);border:1px solid transparent;border-radius:10px;}
.lf-consent input{margin-top:1px;width:18px;height:18px;flex:none;accent-color:var(--clay);cursor:pointer;}
.lf-consent label{font-size:12px;line-height:1.55;color:var(--muted);}
.lf-consent a{color:var(--ink);text-decoration:underline;}
.lead-form .btn{justify-content:center;width:100%;}
.lf-fine{font-size:11.5px;color:var(--muted);line-height:1.5;text-align:center;}
.lf-err{display:none;font-size:13px;color:#c0392b;background:#fdecea;border-radius:8px;padding:10px 14px;}
.lf-err.show{display:block;}
.lf-success{text-align:center;padding:14px 6px;}
.lf-success .lf-check{width:54px;height:54px;border-radius:50%;background:var(--green);display:inline-flex;align-items:center;justify-content:center;margin-bottom:16px;}
.lf-success h3{font-family:var(--serif);font-size:clamp(22px,2.4vw,28px);color:var(--green);}
.lf-success p{margin-top:10px;color:var(--muted);font-size:15px;line-height:1.6;max-width:340px;margin-inline:auto;}
.lead-split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(34px,5vw,72px);align-items:center;}
@media(max-width:880px){.lead-split{grid-template-columns:1fr;}}