/* ============================================================
   Tida — "Sunrise" design system  ·  v2 (light, warm & human)
   Research-led rebuild for a personal-loan lead-gen site.
   Goal: maximise form sign-ups + trust + SEO.

   Direction: light & airy canvas, warm coral/amber for human
   energy, pine-green as the trust/security anchor (money·growth),
   bold type, generous white space. Warm leads, green reassures.
   ============================================================ */

/* ---------- tokens · "Warm earth" (one cohesive family) ---------- */
:root{
  /* single warm accent — terracotta (all accent + former-green roles fold here) */
  --coral:#C0532F;
  --coral-600:#A5431F;
  --amber:#C9773F;
  --peach:#E6D3C4;
  --peach-tint:#F3EAE0;

  /* alias: former "pine/green" roles now resolve to the same terracotta accent */
  --pine:#C0532F;
  --pine-600:#A5431F;
  --pine-700:#8C3A18;

  /* deep espresso — dark surfaces only (CTA band, result panel, trust button) */
  --espresso:#38291E;
  --espresso-2:#2A1E15;

  /* warm sand tints (icon tiles / soft band) */
  --mint:#EFE6DA;
  --mint-line:#E1D4C4;

  /* neutrals — sand ivory */
  --canvas:#FAF6F0;
  --cream:#F1E9DD;
  --cream-2:#E7DCCB;
  --surface:#FFFFFF;

  --ink:#2A211B;         /* espresso text */
  --ink-2:#5E544C;       /* body / secondary */
  --ink-3:#948A7E;       /* muted / meta */

  --line:rgba(42,33,27,.09);
  --line-2:rgba(42,33,27,.15);

  --gold:#C0842F;        /* warm ochre — rating stars only */

  /* type — friendly rounded display kept intentionally */
  --display:'Quicksand',system-ui,sans-serif;
  --body:'Inter',system-ui,sans-serif;
  --mono:'DM Mono',ui-monospace,monospace;

  /* gradients removed in the flat pass; aliases kept for compatibility */
  --grad-warm:var(--coral);
  --grad-hero:none;

  /* elevation — flat & intentional; hairline borders carry structure */
  --sh-1:0 1px 2px rgba(33,28,23,.04);
  --sh-2:0 1px 3px rgba(33,28,23,.05);
  --sh-3:0 6px 20px rgba(33,28,23,.07);
  --sh-coral:none;
  --sh-pine:none;

  --radius:14px;
  --radius-lg:18px;
  --radius-btn:11px;
  --maxw:1160px;
  --space-section:clamp(64px,8vw,116px);
  --ease:cubic-bezier(.22,1,.36,1);

  --z-nav:50;
}

/* ---------- reset / base ---------- */
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;
  font-family:var(--body);
  color:var(--ink-2);
  background:var(--canvas);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
::selection{background:rgba(192,83,47,.22);color:var(--ink)}

/* ---------- layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 clamp(20px,5vw,40px)}
section{padding:var(--space-section) 0;position:relative}
.center{text-align:center}
.muted{color:var(--ink-3)}
.band-cream{background:var(--cream)}
.band-mint{background:var(--mint)}
.band-ink{background:linear-gradient(160deg,#2A2019,#1C1510);color:#fff}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);margin:0;line-height:1.05;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:clamp(40px,6.2vw,72px);font-weight:700}
h2{font-size:clamp(30px,4.4vw,50px);font-weight:700}
h3{font-size:clamp(19px,2.1vw,23px);font-weight:600;letter-spacing:-.01em}
h4{font-size:16px;font-weight:600;letter-spacing:0}
p{margin:0 0 16px;text-wrap:pretty}
.lead{font-size:clamp(17px,1.7vw,21px);line-height:1.55;color:var(--ink-2);max-width:60ch;margin:18px 0 0}
.lead.center{margin-left:auto;margin-right:auto}
.small{font-size:13.5px}
.sec__head{margin-bottom:8px}
.band-ink h1,.band-ink h2,.band-ink h3{color:#fff}
.band-ink .lead,.band-ink p{color:rgba(255,255,255,.72)}

/* eyebrow / kicker — a warm dot motif */
.kicker{display:inline-flex;align-items:center;gap:9px;font-family:var(--display);font-weight:600;font-size:14px;color:var(--coral-600);margin:0 0 16px}
.kicker::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--coral)}
.kicker.center{justify-content:center}
.kicker.pine{color:var(--pine)}
.kicker.pine::before{background:var(--pine)}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:var(--z-nav);background:rgba(255,252,248,.82);backdrop-filter:blur(14px) saturate(1.3);-webkit-backdrop-filter:blur(14px) saturate(1.3);border-bottom:1px solid var(--line)}
.nav__inner{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;gap:18px;padding:13px clamp(20px,5vw,40px)}
.nav__brand{display:flex;align-items:center;gap:11px;font-family:var(--display);font-weight:700;font-size:21px;color:var(--ink)}
.nav__brand svg{width:30px;height:30px}
.nav__links{margin-left:auto;display:flex;gap:4px;align-items:center}
.nav__links a{font-size:14.5px;color:var(--ink-2);padding:9px 15px;border-radius:999px;transition:color .18s,background .18s;font-weight:500}
.nav__links a:hover,.nav__links a:focus-visible{color:var(--ink);background:rgba(35,26,20,.05);outline:none}
.nav__links a.active{color:var(--coral-600)}
.nav__cta{font-family:var(--display);font-weight:600;color:#fff !important;background:var(--coral);padding:10px 20px !important;border-radius:var(--radius-btn);box-shadow:none}
.nav__cta:hover{background:var(--coral-600)}
.nav__toggle{display:none;appearance:none;background:transparent;border:1px solid var(--line-2);color:var(--ink);width:42px;height:42px;border-radius:12px;cursor:pointer;align-items:center;justify-content:center;margin-left:auto}
.nav__toggle svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round}
@media(max-width:820px){
  .nav__toggle{display:inline-flex}
  .nav__links{position:absolute;top:calc(100% + 1px);left:0;right:0;flex-direction:column;align-items:stretch;gap:4px;padding:12px;background:var(--canvas);border-bottom:1px solid var(--line-2);box-shadow:var(--sh-2);display:none}
  .nav--open .nav__links{display:flex}
  .nav__links a{padding:13px 14px;border-radius:12px;font-size:15.5px}
  .nav__cta{text-align:center;box-shadow:none;margin-top:4px}
}

/* ---------- buttons ---------- */
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;align-items:center}
.btn-row.center{justify-content:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--display);font-weight:600;font-size:15.5px;border:0;border-radius:var(--radius-btn);padding:15px 26px;cursor:pointer;text-align:center;transition:transform .2s var(--ease),box-shadow .2s,filter .2s,border-color .2s,background .2s}
.btn-primary{background:var(--coral);color:#fff}
.btn-primary:hover{background:var(--coral-600)}
.btn-primary:active{transform:translateY(1px)}
.btn-trust{background:var(--espresso);color:#fff}
.btn-trust:hover{background:var(--espresso-2)}
.btn-ghost{background:var(--surface);color:var(--ink);border:1px solid var(--line-2)}
.btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn-block{display:flex;width:100%}
.btn .arr{transition:transform .2s}
.btn:hover .arr{transform:translateX(3px)}
.btn:disabled{opacity:.7;cursor:not-allowed;transform:none!important;filter:none!important;box-shadow:none}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:clamp(48px,7vw,86px) 0 clamp(56px,7vw,88px);background:var(--canvas)}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,64px);align-items:center}
@media(max-width:900px){.hero__grid{grid-template-columns:1fr;gap:36px}}
.hero__eyebrow{display:inline-flex;align-items:center;gap:10px;padding:7px 14px 7px 8px;border-radius:999px;background:var(--surface);border:1px solid var(--line-2);font-size:13.5px;font-weight:500;color:var(--ink-2);margin-bottom:22px}
.hero__eyebrow .stars{display:inline-flex;gap:2px}
.hero__eyebrow .stars svg{width:15px;height:15px;fill:var(--gold)}
.hero__eyebrow b{color:var(--ink);font-weight:600}
.hero__eyebrow .stars{flex:none}
@media(max-width:560px){
  .hero__eyebrow{font-size:12.5px;padding:6px 13px 6px 8px;gap:8px}
  .hero__eyebrow .he-long{display:none}
}
.hero h1{max-width:15ch}
.hero h1 .hl{position:relative;color:var(--coral-600);white-space:nowrap}
.hero h1 .hl::after{display:none}
.hero__sub{margin:20px 0 0;font-size:clamp(17px,1.7vw,20px);color:var(--ink-2);max-width:52ch;line-height:1.55}
.hero__trust{list-style:none;display:flex;flex-wrap:wrap;gap:10px 22px;margin:26px 0 0;padding:0;font-size:14px;color:var(--ink-2)}
.hero__trust li{display:inline-flex;align-items:center;gap:8px}
.hero__trust svg{width:18px;height:18px;stroke:var(--pine);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* hero "start" card = step 0 of the form, above the fold */
.starter{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--sh-3);padding:clamp(22px,2.6vw,30px)}
.starter__label{font-family:var(--display);font-weight:600;color:var(--ink);font-size:18px}
.starter__hint{font-size:13.5px;color:var(--ink-3);margin:4px 0 18px}
.amount-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.amount-opt{position:relative}
.amount-opt input{position:absolute;opacity:0;pointer-events:none}
.amount-opt label{display:flex;align-items:center;justify-content:center;padding:14px 8px;border-radius:14px;border:1.5px solid var(--line-2);background:var(--canvas);font-family:var(--display);font-weight:600;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s,transform .1s;font-size:15px}
.amount-opt label:hover{border-color:var(--coral)}
.amount-opt input:checked+label{border-color:var(--coral);background:var(--peach-tint);box-shadow:0 0 0 3px rgba(192,83,47,.14)}
.amount-opt input:focus-visible+label{outline:2px solid var(--coral);outline-offset:2px}
.starter .btn{margin-top:18px}
.starter__foot{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;font-size:12.5px;color:var(--ink-3)}
.starter__foot svg{width:15px;height:15px;stroke:var(--pine);fill:none;stroke-width:2.2}

/* ---------- security / trust strip ---------- */
.trustbar{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--surface)}
.trustbar__inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:14px 34px;padding:20px clamp(20px,5vw,40px);max-width:var(--maxw);margin:0 auto}
.trustbadge{display:inline-flex;align-items:center;gap:9px;font-size:13.5px;font-weight:500;color:var(--ink-2)}
.trustbadge svg{width:20px;height:20px;stroke:var(--pine);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.trustbar__sep{width:1px;height:20px;background:var(--line);display:none}
@media(min-width:820px){.trustbar__sep{display:block}}

/* ---------- quantitative proof band ---------- */
.proof{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:8px}
@media(max-width:720px){.proof{grid-template-columns:repeat(2,1fr)}}
.proof__item{text-align:center;padding:26px 16px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--sh-1)}
.proof__n{font-family:var(--display);font-weight:700;font-size:clamp(30px,3.6vw,40px);line-height:1;color:var(--pine);letter-spacing:-.02em}
.proof__l{font-size:13.5px;color:var(--ink-2);margin-top:9px}

/* ---------- steps ---------- */
.flow{margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:760px){.flow{grid-template-columns:1fr}}
.flow__step{padding:28px 24px;border-radius:var(--radius);background:var(--surface);border:1px solid var(--line);box-shadow:var(--sh-1);transition:transform .25s var(--ease),box-shadow .25s}
.flow__step:hover{border-color:var(--line-2)}
.flow__n{font-family:var(--display);font-weight:700;font-size:15px;width:38px;height:38px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:var(--peach-tint);color:var(--coral-600);margin-bottom:16px;border:1px solid var(--peach)}
.flow__step h3{margin-bottom:8px}
.flow__step p{font-size:15px;color:var(--ink-2);margin:0}
.flow__meta{font-family:var(--mono);font-size:12px;color:var(--pine);margin-top:14px}

/* ---------- value cards ---------- */
.grid{display:grid;gap:18px}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px}
@media(max-width:820px){.cards{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.cards{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,2.6vw,30px);box-shadow:var(--sh-1);transition:transform .25s var(--ease),box-shadow .25s}
.card:hover{border-color:var(--line-2)}
.card--wide{grid-column:span 2}
@media(max-width:820px){.card--wide{grid-column:span 2}}
@media(max-width:560px){.card--wide{grid-column:auto}}
.card__icon{width:52px;height:52px;border-radius:15px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;background:var(--mint);border:1px solid var(--mint-line)}
.card__icon svg{width:26px;height:26px;stroke:var(--pine);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card--warm .card__icon{background:var(--peach-tint);border-color:var(--peach)}
.card--warm .card__icon svg{stroke:var(--coral-600)}
.card h3{margin-bottom:9px}
.card p{margin:0;font-size:15px;color:var(--ink-2)}
.card__k{font-family:var(--mono);font-size:12px;color:var(--coral-600);letter-spacing:.04em;margin-bottom:12px}
.check{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:9px}
.check li{position:relative;padding-left:28px;font-size:14.5px;color:var(--ink-2)}
.check li::before{content:"";position:absolute;left:0;top:1px;width:19px;height:19px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C0532F' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat}

/* ---------- testimonials (compact, credible) ---------- */
.rating-lockup{display:flex;flex-direction:column;align-items:center;gap:6px;margin-top:10px}
.rating-lockup .stars{display:inline-flex;gap:3px}
.rating-lockup .stars svg{width:22px;height:22px;fill:var(--gold)}
.rating-lockup .meta{font-size:14px;color:var(--ink-2)}
.rating-lockup .meta b{color:var(--ink);font-weight:600}
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}
@media(max-width:820px){.quotes{grid-template-columns:1fr}}
.quote{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--sh-1);display:flex;flex-direction:column}
.quote__stars{color:var(--gold);letter-spacing:2px;font-size:15px;margin-bottom:12px}
.quote__text{font-size:15.5px;line-height:1.6;color:var(--ink);margin:0 0 18px}
.quote__who{margin-top:auto;display:flex;align-items:center;gap:12px}
.quote__avatar{width:42px;height:42px;border-radius:50%;flex:none;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:700;font-size:15px;color:#fff;background:var(--pine)}
.quote__name{font-family:var(--display);font-weight:600;font-size:14.5px;color:var(--ink)}
.quote__meta{color:var(--ink-3);font-size:12.5px;margin-top:2px}

/* ---------- FAQ ---------- */
.faq{max-width:800px;margin:44px auto 0;display:grid;gap:12px}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--sh-1);transition:border-color .2s}
.faq details[open]{border-color:var(--line-2)}
.faq summary{list-style:none;cursor:pointer;padding:20px 22px;font-family:var(--display);font-weight:600;font-size:16.5px;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:11px;height:11px;border-right:2px solid var(--coral);border-bottom:2px solid var(--coral);transform:rotate(45deg);transition:transform .25s;margin-top:-4px;flex:none}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:2px}
.faq__body{padding:0 22px 22px;font-size:15px;line-height:1.65;color:var(--ink-2)}
.faq__body p{margin:0}

/* ---------- CTA band ---------- */
.cta{position:relative;overflow:hidden;text-align:center;background:var(--espresso);color:#fff}
.cta h2{color:#fff}
.cta .lead{color:rgba(255,255,255,.82)}
.cta__glow{display:none}
.cta .btn-primary{box-shadow:0 14px 34px rgba(0,0,0,.22)}
.cta__foot{margin-top:16px;font-size:13.5px;color:rgba(255,255,255,.72)}

/* ---------- footer ---------- */
.site-footer{background:var(--canvas);border-top:1px solid var(--line);padding:clamp(56px,7vw,78px) 0 0;color:var(--ink-2)}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
@media(max-width:820px){.foot-top{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.foot-top{grid-template-columns:1fr}}
.foot-brand .nav__brand{margin-bottom:16px}
.foot-brand p{font-size:14px;max-width:34ch;line-height:1.6}
.foot-col h4{font-family:var(--display);font-size:13px;color:var(--pine);margin-bottom:15px;letter-spacing:.02em;text-transform:uppercase}
.foot-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.foot-col a{font-size:14px;color:var(--ink-2);transition:color .15s}
.foot-col a:hover{color:var(--coral-600)}
.foot-disclaimer{margin-top:50px;padding:26px 0;border-top:1px solid var(--line);font-size:12px;line-height:1.75;color:var(--ink-3)}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:20px 0 30px;border-top:1px solid var(--line);font-size:12.5px;color:var(--ink-3)}
.foot-bottom .word{font-family:var(--display);font-weight:700;color:var(--coral-600)}

/* ---------- reveal on scroll ---------- */
.reveal-ready .reveal{opacity:0;transform:translateY(20px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal-ready .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal-ready .reveal{opacity:1!important;transform:none!important;transition:none}
  .btn,.card,.flow__step{transition:none!important}
}

/* ---------- focus ---------- */
:focus-visible{outline:2px solid var(--coral);outline-offset:3px;border-radius:6px}

/* =====================================================================
   FORMS + MULTI-STEP  (used by apply.html / calculator.html)
   ===================================================================== */
.form{display:grid;gap:18px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column}
.field.full{grid-column:1 / -1}
.form label{font-family:var(--display);font-weight:600;font-size:14px;color:var(--ink);margin-bottom:8px}
.req{color:var(--coral)}
.form input,.form select,.form textarea{width:100%;font-family:var(--body);font-size:15px;background:var(--surface);border:1.5px solid var(--line-2);color:var(--ink);border-radius:13px;padding:14px 16px;transition:border-color .18s,box-shadow .18s}
.form input::placeholder,.form textarea::placeholder{color:var(--ink-3)}
.form select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23D9542C' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;background-size:17px;padding-right:42px}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--coral);box-shadow:0 0 0 4px rgba(192,83,47,.14)}
.form textarea{resize:vertical;min-height:140px}
.consent{display:flex;gap:13px;align-items:flex-start;font-size:13px;line-height:1.55;color:var(--ink-2);background:var(--cream);border:1px solid var(--line);border-radius:14px;padding:18px}
.consent input[type=checkbox]{width:19px;height:19px;flex:none;margin-top:2px;accent-color:var(--coral)}
.legalnote{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:22px 24px;margin-top:10px}
.legalnote h4{color:var(--pine);margin-bottom:9px}
.legalnote p{font-size:13.5px;color:var(--ink-2);margin:0}

/* form panel wrapper */
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--sh-3);padding:clamp(24px,3vw,40px)}

/* multi-step — progressive enhancement:
   default (no JS enhancement) shows every step + the final submit so the
   form still works; once multistep.js adds .is-enhanced we switch to
   one-step-at-a-time with progress + nav buttons. */
.steps-head{margin-bottom:26px;display:none}
.form.is-enhanced .steps-head{display:block}
.progress{height:8px;border-radius:999px;background:var(--cream-2);overflow:hidden}
.progress__bar{height:100%;width:20%;border-radius:999px;background:var(--coral);transition:width .4s var(--ease)}
.progress__meta{display:flex;justify-content:space-between;align-items:baseline;margin-top:12px}
.progress__step{font-family:var(--display);font-weight:600;font-size:14px;color:var(--ink)}
.progress__count{font-family:var(--mono);font-size:12.5px;color:var(--ink-3)}
.fstep{display:block}
.form.is-enhanced .fstep{display:none;animation:fstep-in .4s var(--ease)}
.form.is-enhanced .fstep.is-active{display:block}
@keyframes fstep-in{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.fstep{animation:none}}
.fstep__title{font-size:clamp(21px,2.6vw,27px);margin-bottom:6px}
.fstep__sub{font-size:15px;color:var(--ink-2);margin-bottom:22px}
.step-nav{display:flex;gap:12px;align-items:center;margin-top:26px}
.step-nav .btn{flex:1}
/* nav buttons only make sense once JS drives the steps */
.step-nav [data-next],.step-nav [data-prev]{display:none}
.form.is-enhanced .step-nav [data-next]{display:inline-flex}
.form.is-enhanced .step-nav [data-prev]{display:inline-flex}
.btn-back{background:transparent;border:1.5px solid var(--line-2);color:var(--ink-2);flex:0 0 auto!important;padding-left:22px;padding-right:22px}
.btn-back:hover{border-color:var(--ink-3);color:var(--ink)}

/* big choice tiles (step questions) */
.choices{display:grid;gap:12px}
.choices.cols-2{grid-template-columns:1fr 1fr}
@media(max-width:520px){.choices.cols-2{grid-template-columns:1fr}}
.choice{position:relative}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice label{display:flex;align-items:center;gap:13px;padding:17px 18px;border-radius:15px;border:1.5px solid var(--line-2);background:var(--surface);cursor:pointer;font-weight:500;color:var(--ink);transition:border-color .15s,background .15s;font-size:15.5px}
.choice label:hover{border-color:var(--coral)}
.choice input:checked+label{border-color:var(--coral);background:var(--peach-tint);box-shadow:0 0 0 3px rgba(192,83,47,.14)}
.choice input:focus-visible+label{outline:2px solid var(--coral);outline-offset:2px}
.choice__ic{width:22px;height:22px;stroke:var(--pine);fill:none;stroke-width:2;flex:none}

/* form states (Web3Forms handler) */
.form-hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden;opacity:0;pointer-events:none}
.btn-spinner{width:16px;height:16px;border-radius:50%;border:2px solid rgba(255,255,255,.45);border-top-color:#fff;display:inline-block;animation:btn-spin .7s linear infinite}
@keyframes btn-spin{to{transform:rotate(360deg)}}
@media (prefers-reduced-motion:reduce){.btn-spinner{animation-duration:1.4s}}
.form-error{grid-column:1 / -1;display:flex;gap:11px;align-items:flex-start;background:#FEECEA;border:1px solid #F3B4AB;color:#B23A1E;border-radius:13px;padding:14px 16px;font-size:14px;line-height:1.5}
.form-error svg{width:20px;height:20px;flex:none;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;margin-top:1px}
.form-success{text-align:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--sh-2);padding:clamp(32px,5vw,54px);max-width:640px;margin:0 auto}
.form-success__icon{width:64px;height:64px;border-radius:50%;margin:0 auto 20px;display:flex;align-items:center;justify-content:center;background:var(--pine);box-shadow:var(--sh-pine)}
.form-success__icon svg{width:32px;height:32px;stroke:#fff;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.form-success h3{font-size:clamp(22px,3vw,26px);margin-bottom:10px}
.form-success p{color:var(--ink-2);font-size:15.5px;line-height:1.6;margin:0 auto;max-width:46ch}

/* apply layout: form + sticky trust rail */
.apply-layout{display:grid;grid-template-columns:1.5fr .9fr;gap:clamp(24px,3vw,36px);align-items:start;margin-top:38px}
@media(max-width:900px){.apply-layout{grid-template-columns:1fr}}
.trust-rail{position:sticky;top:92px;display:grid;gap:16px}
@media(max-width:900px){.trust-rail{position:static}}
.rail-hours{font-size:13px;color:var(--ink-2);border-top:1px solid var(--line);padding-top:14px;margin-top:4px}

/* generic pill for inner-page heroes */
.pill{display:inline-flex;align-items:center;gap:9px;margin:0 0 20px;padding:8px 16px;border-radius:999px;background:var(--surface);border:1px solid var(--line);box-shadow:var(--sh-1);font-family:var(--display);font-weight:600;font-size:13px;color:var(--coral-600)}
.pill::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--coral)}
.hero--compact{padding:clamp(52px,7vw,84px) 0 clamp(30px,4vw,48px);text-align:center}
.hero--compact h1{margin:0 auto;max-width:18ch}
.hero--compact .hero__sub{margin-left:auto;margin-right:auto}

/* loan calculator (reused) */
.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch;margin-top:10px}
@media(max-width:820px){.calc{grid-template-columns:1fr}}
.calc__panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);padding:clamp(24px,3vw,34px);box-shadow:var(--sh-2)}
.calc__row{margin-bottom:28px}
.calc__row:last-child{margin-bottom:0}
.calc__top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px}
.calc__label{font-family:var(--display);font-weight:600;font-size:15px;color:var(--ink)}
.calc__val{font-family:var(--mono);font-weight:500;font-size:19px;color:var(--coral-600)}
.calc__range{display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;color:var(--ink-3);margin-top:9px}
input[type=range].slider{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:var(--cream-2);outline:none}
input[type=range].slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--coral);cursor:pointer;box-shadow:0 3px 10px rgba(192,83,47,.35);transition:transform .12s}
input[type=range].slider::-webkit-slider-thumb:hover{transform:scale(1.08)}
input[type=range].slider::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--coral);cursor:pointer}
.calc__result{background:var(--espresso);color:#fff;border-radius:var(--radius-lg);padding:clamp(26px,3vw,36px);text-align:center;display:flex;flex-direction:column;justify-content:center}
.calc__pay-label{font-family:var(--display);font-weight:600;font-size:12px;color:rgba(255,255,255,.72);text-transform:uppercase;letter-spacing:.12em}
.calc__pay{font-family:var(--display);font-weight:700;font-size:clamp(44px,7vw,58px);color:#5CC086;line-height:1.05;margin:10px 0 4px;letter-spacing:-.02em}
.calc__pay-sub{font-size:13px;color:rgba(255,255,255,.72);margin-bottom:24px}
.calc__breakdown{display:flex;justify-content:space-around;gap:12px;border-top:1px solid rgba(255,255,255,.16);padding-top:20px}
.calc__bd-n{font-family:var(--mono);font-size:19px;color:#fff}
.calc__bd-l{font-size:11.5px;color:rgba(255,255,255,.7);margin-top:5px}
.calc__cta{margin-top:24px}
.calc__result .calc__cta{background:#2A855A}
.calc__result .calc__cta:hover{background:#226E49}
.calc__cta-note{font-size:12px;color:rgba(255,255,255,.72);margin:12px 0 0}

/* prose (legal / about) */
.prose{max-width:75ch;margin:0 auto}
.prose h2{font-size:clamp(21px,2.4vw,26px);margin:42px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:17px;margin:26px 0 9px;color:var(--pine)}
.prose p{font-size:15.5px;line-height:1.7;color:var(--ink-2);margin:0 0 15px}
.prose ul{margin:0 0 17px;padding-left:23px;color:var(--ink-2)}
.prose li{font-size:15.5px;line-height:1.6;margin-bottom:9px}
.prose strong{color:var(--ink)}
.prose .updated{font-family:var(--mono);font-size:12.5px;color:var(--coral-600);margin-bottom:30px}

/* press feedback on touch */
@media (hover:none){
  .card:hover,.flow__step:hover,.quote:hover{transform:none}
  .btn-primary:hover,.btn-ghost:hover,.btn-trust:hover,.nav__cta:hover{transform:none}
}

/* =====================================================================
   INNER-PAGE COMPONENTS (about / contact / legal migration)
   ===================================================================== */
.glowpulse{animation:none}

.hero__sun{width:clamp(80px,11vw,104px);height:clamp(80px,11vw,104px);margin:0 auto clamp(18px,3vw,28px);display:flex !important;align-items:center;justify-content:center}
.hero--compact .hero__trust{justify-content:center}
.btn-row.start{justify-content:flex-start}

/* split rows */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,60px);align-items:center}
@media(max-width:760px){.split{grid-template-columns:1fr;gap:30px}}
.split__art{border-radius:var(--radius-lg);min-height:300px;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;background:linear-gradient(150deg,var(--peach-tint),var(--mint));box-shadow:var(--sh-1)}
.split__art [data-sun]{position:relative;z-index:1}
.split__art--scene{padding:0}
.split__art--scene > svg{position:absolute;inset:0;width:100%;height:100%;display:block}
.scene-cap{position:absolute;left:16px;bottom:16px;z-index:2;font-family:var(--mono);font-size:12px;color:#fff;background:rgba(20,10,6,.44);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);padding:7px 13px;border-radius:999px;border:1px solid rgba(255,236,209,.18)}

/* bento */
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:minmax(0,1fr);gap:16px;margin-top:44px}
.bento .card{display:flex;flex-direction:column}
.bento .feature{grid-column:span 2;grid-row:span 2;background:var(--peach-tint)}
.bento .feature .card__icon{background:var(--peach-tint);border-color:var(--peach)}
.bento .feature .card__icon svg{stroke:var(--coral-600)}
.bento .feature h3{font-size:clamp(22px,2.6vw,28px)}
.bento .feature .check{margin-top:auto}
@media(max-width:900px){.bento{grid-template-columns:repeat(2,1fr)}.bento .feature{grid-column:span 2;grid-row:span 1}}
@media(max-width:540px){.bento{grid-template-columns:1fr}.bento .feature{grid-column:auto}}

/* stats */
.stats{display:flex;flex-wrap:wrap;gap:14px;margin-top:40px}
.stat{flex:1;min-width:150px;text-align:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px 18px;box-shadow:var(--sh-1)}
.stat__n{font-family:var(--display);font-weight:700;font-size:clamp(28px,3.4vw,36px);color:var(--pine);line-height:1;letter-spacing:-.02em}
.stat__l{font-size:13.5px;color:var(--ink-2);margin-top:9px}

/* inner-page CTA sun mark (sits on the pine CTA band) */
.cta__sun{margin:0 auto 20px;width:60px;height:60px;display:flex !important;align-items:center;justify-content:center;position:relative;z-index:1}

/* =====================================================================
   ARTICLES (hub + individual posts)
   ===================================================================== */
.article-meta{font-family:var(--mono);font-size:13px;color:var(--ink-3);margin-top:16px;display:flex;gap:6px 16px;flex-wrap:wrap;justify-content:center}
.article-meta span{display:inline-flex;align-items:center;gap:6px}
.breadcrumb{font-size:13px;color:var(--ink-3);margin-bottom:14px}
.breadcrumb a{color:var(--coral-600)}
.breadcrumb a:hover{text-decoration:underline}

/* in-article CTA block */
.article-cta{background:var(--espresso);color:#fff;border-radius:var(--radius-lg);padding:clamp(28px,4vw,42px);text-align:center;margin:48px 0 10px}
.article-cta h2{color:#fff;margin:0;font-size:clamp(21px,2.6vw,27px)}
.article-cta p{color:rgba(255,255,255,.82);max-width:54ch;margin:12px auto 0;font-size:16px}
.article-cta .btn-row{justify-content:center;margin-top:24px}
.article-cta .btn-ghost{background:transparent;border-color:rgba(255,255,255,.4);color:#fff}
.article-cta .btn-ghost:hover{border-color:#fff;color:#fff}

/* related links */
.related{margin-top:44px;border-top:1px solid var(--line);padding-top:24px}
.related h3{font-size:16px;margin-bottom:14px}
.related ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.related a{color:var(--coral-600);font-weight:500;font-size:15px}
.related a:hover{text-decoration:underline}

/* article hub grid */
.art-toolbar{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:8px}
.art-chip{font-family:var(--display);font-weight:600;font-size:13.5px;color:var(--ink-2);background:var(--surface);border:1px solid var(--line-2);border-radius:999px;padding:8px 16px;text-decoration:none;transition:border-color .15s,color .15s}
.art-chip:hover{border-color:var(--coral);color:var(--coral-600)}
.art-section-title{margin:52px 0 6px;scroll-margin-top:84px}
.art-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:22px}
@media(max-width:860px){.art-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.art-grid{grid-template-columns:1fr}}
.art-card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:border-color .2s}
.art-card:hover{border-color:var(--line-2)}
.art-card .art-cat{font-family:var(--mono);font-size:11.5px;letter-spacing:.04em;color:var(--coral-600);text-transform:uppercase;margin-bottom:12px}
.art-card h3{font-size:17.5px;margin-bottom:8px;line-height:1.2}
.art-card p{font-size:14px;color:var(--ink-2);margin:0 0 16px}
.art-card .art-more{margin-top:auto;font-family:var(--display);font-weight:600;font-size:14px;color:var(--coral-600)}