/* =====================================================================
   Youssef Bauer · Real Estate Investor Financing — design system
   Layout concept: an annual-report / private-capital editorial grid.
   Each section has a narrow "margin column" label and a wide content
   column, separated by hairline rules. Square corners, brass hairlines,
   navy fields for emphasis. One deliberate look (light pages + navy
   bands), so every color is set explicitly rather than theme-switched.
   ===================================================================== */

@font-face { font-family: "Caslon Display"; src: url("../fonts/libre-caslon-display-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Caslon Text"; src: url("../fonts/libre-caslon-text-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Caslon Text"; src: url("../fonts/libre-caslon-text-latin-400-italic.woff2") format("woff2"); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: "Hanken Grotesk"; src: url("../fonts/hanken-grotesk-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-display: swap; }
@font-face { font-family: "Hanken Grotesk"; src: url("../fonts/hanken-grotesk-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-display: swap; }
@font-face { font-family: "Hanken Grotesk"; src: url("../fonts/hanken-grotesk-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }

:root {
  /* color */
  --ink: #0B1322;          /* near-black navy: footer, deepest fields */
  --navy: #0F1A2E;         /* primary brand field */
  --navy-2: #17253F;       /* raised surface on navy */
  --brass: #C4A472;        /* accent on navy */
  --brass-deep: #8A6A3D;   /* accent text on light (AA on white + mist) */
  --brass-fill: #B8966A;   /* button fill */
  --paper: #FFFFFF;
  --mist: #F4F5F4;         /* subtle off-white band */
  --rule: #DDE0E4;
  --rule-navy: #2A3955;
  --text: #16203A;
  --muted: #5A6475;
  --on-navy: #EDF0F4;
  --on-navy-muted: #A7B2C4;
  --tbd-bg: #FBF4E6;

  /* type */
  --f-display: "Caslon Display", "Libre Caslon Display", Georgia, "Times New Roman", serif;
  --f-serif: "Caslon Text", "Libre Caslon Text", Georgia, "Times New Roman", serif;
  --f-sans: "Hanken Grotesk", "Helvetica Neue", Arial, system-ui, sans-serif;

  --t-label: 0.75rem;   /* 12 */
  --t-small: 0.875rem;  /* 14 */
  --t-body: 1.0625rem;  /* 17 */
  --t-lede: 1.25rem;    /* 20 */
  --t-h3: 1.5rem;       /* 24 */
  --t-h2: clamp(2rem, 1.4rem + 2.2vw, 3rem);
  --t-h1: clamp(2.5rem, 1.6rem + 3.8vw, 4.75rem);

  /* space */
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --max: 1240px;
  --section: clamp(4rem, 8vw, 7.5rem);
  --ease: cubic-bezier(.2, .7, .2, 1);
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: var(--f-sans);
  font-size: var(--t-body);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 0.2em; }
a:hover { color: var(--brass-deep); }
:focus-visible { outline: 2px solid var(--brass-deep); outline-offset: 3px; }
.on-navy :focus-visible { outline-color: var(--brass); }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }

.skip-link { position: absolute; left: 1rem; top: -4rem; background: var(--navy); color: var(--on-navy); padding: .6rem 1rem; z-index: 100; font-size: var(--t-small); }
.skip-link:focus { top: 1rem; color: var(--on-navy); }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------------------------------------------------------------- type */
h1, h2, h3, h4 { margin: 0; font-weight: 400; text-wrap: balance; color: inherit; }
h1 { font-family: var(--f-display); font-size: var(--t-h1); line-height: 1.04; letter-spacing: -0.012em; }
h2 { font-family: var(--f-display); font-size: var(--t-h2); line-height: 1.1; letter-spacing: -0.005em; }
h3 { font-family: var(--f-serif); font-size: var(--t-h3); line-height: 1.25; }
h4 { font-family: var(--f-sans); font-size: var(--t-body); font-weight: 600; line-height: 1.4; }
p { margin: 0; }
.lede { font-family: var(--f-serif); font-size: var(--t-lede); line-height: 1.55; color: var(--muted); max-width: 40em; }
.on-navy .lede { color: var(--on-navy-muted); }
.eyebrow {
  font-family: var(--f-sans); font-size: var(--t-label); font-weight: 600;
  letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep);
}
.on-navy .eyebrow { color: var(--brass); }
.num { font-variant-numeric: tabular-nums lining-nums; }
.prose { max-width: 42rem; }
.prose > * + * { margin-top: 1.1em; }
.prose h2 { margin-top: 2.2em; font-size: clamp(1.75rem, 1.3rem + 1.4vw, 2.25rem); }
.prose h3 { margin-top: 1.8em; font-size: 1.375rem; }
.prose ul, .prose ol { padding-left: 1.2em; }
.prose li + li { margin-top: .45em; }
.prose li::marker { color: var(--brass-deep); }
.prose a { color: var(--text); text-decoration-color: var(--brass-fill); }
.prose a:hover { color: var(--brass-deep); }
.prose strong { font-weight: 600; }
.prose blockquote { margin: 1.8em 0; padding-left: 1.2rem; border-left: 2px solid var(--brass-fill); font-family: var(--f-serif); font-style: italic; font-size: 1.2rem; color: var(--text); }

/* Placeholder for facts that still need confirmation. Visible on purpose. */
.tbd {
  background: var(--tbd-bg); color: var(--brass-deep);
  border-bottom: 1px dashed var(--brass-deep);
  padding: 0 .3em; font-family: var(--f-sans); font-size: .88em; font-weight: 500;
  font-style: normal; white-space: normal;
}
.on-navy .tbd { background: rgba(196, 164, 114, .14); color: var(--brass); border-color: var(--brass); }

/* ---------------------------------------------------------------- layout */
.wrap { width: 100%; max-width: var(--max); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: var(--section); }
.section + .section { border-top: 1px solid var(--rule); }
.section.tight { padding-block: clamp(3rem, 6vw, 5rem); }
.band-mist { background: var(--mist); }
.section.band-mist + .section, .section + .section.band-mist { border-top: 0; }
.on-navy { background: var(--navy); color: var(--on-navy); }
.on-navy a:hover { color: var(--brass); }
.section.on-navy + .section { border-top: 0; }

/* margin-column section: label left, content right */
.split { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 9fr); gap: clamp(1.5rem, 4vw, 4rem); }
.split > * { min-width: 0; }
.split-label { display: flex; flex-direction: column; gap: .75rem; padding-top: .55rem; border-top: 1px solid var(--text); align-self: start; }
.on-navy .split-label { border-top-color: var(--brass); }
.split-label .eyebrow { color: var(--text); }
.on-navy .split-label .eyebrow { color: var(--on-navy); }
.split-label small { font-size: var(--t-small); color: var(--muted); line-height: 1.5; }
.on-navy .split-label small { color: var(--on-navy-muted); }
.section-head { display: flex; flex-direction: column; gap: 1rem; margin-bottom: clamp(2rem, 4vw, 3.25rem); max-width: 48rem; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- buttons */
.btn {
  --b-bg: var(--navy); --b-fg: var(--on-navy); --b-bd: var(--navy);
  display: inline-flex; align-items: center; justify-content: center; gap: .6rem;
  min-height: 3rem; padding: .8rem 1.5rem;
  background: var(--b-bg); color: var(--b-fg); border: 1px solid var(--b-bd); border-radius: 0;
  font-family: var(--f-sans); font-size: .8125rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  white-space: nowrap; text-decoration: none; cursor: pointer; transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn:hover { --b-bg: var(--ink); color: var(--b-fg); }
.btn .arrow { transition: transform .25s var(--ease); }
.btn:hover .arrow { transform: translateX(3px); }
.btn-brass { --b-bg: var(--brass-fill); --b-fg: var(--ink); --b-bd: var(--brass-fill); }
.btn-brass:hover { --b-bg: var(--brass); --b-bd: var(--brass); color: var(--ink); }
.btn-ghost { --b-bg: transparent; --b-fg: var(--text); --b-bd: var(--text); }
.btn-ghost:hover { --b-bg: var(--text); --b-fg: var(--paper); color: var(--paper); }
.on-navy .btn-ghost { --b-fg: var(--on-navy); --b-bd: rgba(237, 240, 244, .55); }
.on-navy .btn-ghost:hover { --b-bg: var(--on-navy); --b-fg: var(--navy); color: var(--navy); }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; }
.text-link {
  display: inline-flex; align-items: center; gap: .5rem; font-size: .8125rem; font-weight: 600; letter-spacing: .14em;
  text-transform: uppercase; text-decoration: none; color: var(--text); border-bottom: 1px solid var(--brass-fill); padding-bottom: .2rem;
}
.on-navy .text-link { color: var(--on-navy); border-bottom-color: var(--brass); }

/* ---------------------------------------------------------------- header */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255, 255, 255, .97); border-bottom: 1px solid var(--rule);
  backdrop-filter: saturate(1.2) blur(6px);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 4.75rem; }
.wordmark { display: flex; flex-direction: column; gap: .15rem; text-decoration: none; color: var(--text); line-height: 1; }
.wordmark:hover { color: var(--text); }
.wordmark-name { font-family: var(--f-display); font-size: 1.3rem; letter-spacing: .2em; text-transform: uppercase; }
.wordmark-sub { white-space: nowrap; font-size: .625rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--brass-deep); }
.primary-nav { display: flex; align-items: center; gap: .25rem; }
.nav-group { position: relative; }
.nav-top {
  white-space: nowrap;
  display: inline-flex; align-items: center; gap: .35rem; padding: .7rem .8rem; background: none; border: 0; cursor: pointer;
  font: 500 .9375rem/1 var(--f-sans); color: var(--text); text-decoration: none;
}
.nav-top:hover, .nav-group:focus-within > .nav-top { color: var(--brass-deep); }
.nav-top .chev { width: .55rem; height: .55rem; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg) translateY(-2px); transition: transform .2s; }
.nav-top[aria-expanded="true"] .chev { transform: rotate(225deg) translateY(-1px); }
.nav-menu {
  position: absolute; top: calc(100% + .35rem); left: 0; min-width: 17rem; padding: .6rem 0;
  background: var(--paper); border: 1px solid var(--rule); border-top: 2px solid var(--brass-fill);
  box-shadow: 0 18px 40px -18px rgba(11, 19, 34, .35);
  opacity: 0; visibility: hidden; transform: translateY(-4px); transition: opacity .18s, transform .18s, visibility .18s;
}
.nav-menu a { display: block; padding: .6rem 1.25rem; font-size: .9375rem; text-decoration: none; color: var(--text); }
.nav-menu a:hover { background: var(--mist); color: var(--text); }
.nav-menu a small { display: block; font-size: .78rem; color: var(--muted); }
.nav-group.open > .nav-menu { opacity: 1; visibility: visible; transform: none; }
@media (hover: hover) and (min-width: 1241px) { .nav-group:hover > .nav-menu { opacity: 1; visibility: visible; transform: none; } }
.header-cta { display: flex; align-items: center; gap: .75rem; }
.header-cta .btn { min-height: 2.75rem; padding: .65rem 1.1rem; }
.menu-toggle { display: none; }
@media (max-width: 1240px) {
  .primary-nav, .header-cta .btn-ghost { display: none; }
  .menu-toggle { display: inline-flex; align-items: center; gap: .5rem; min-height: 2.75rem; padding: 0 .9rem; background: none; border: 1px solid var(--text); font: 600 .75rem/1 var(--f-sans); letter-spacing: .14em; text-transform: uppercase; color: var(--text); cursor: pointer; }
}
@media (max-width: 520px) { .header-cta .btn-brass { display: none; } .wordmark-name { font-size: 1.1rem; letter-spacing: .16em; } }
.mobile-panel { border-top: 1px solid var(--rule); background: var(--paper); max-height: calc(100vh - 5rem); overflow-y: auto; }
.mobile-panel .wrap { padding-block: 1.25rem 2rem; display: grid; gap: 1.5rem; }
.mobile-panel h2 { font-family: var(--f-sans); font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep); margin-bottom: .4rem; }
.mobile-panel ul { list-style: none; margin: 0; padding: 0; display: grid; }
.mobile-panel li a { display: block; padding: .55rem 0; text-decoration: none; border-bottom: 1px solid var(--rule); }

/* ---------------------------------------------------------------- breadcrumbs */
.crumbs { font-size: var(--t-small); color: var(--muted); }
.crumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: .4rem; }
.crumbs li + li::before { content: "/"; margin-right: .4rem; color: var(--rule); }
.crumbs a { text-decoration: none; color: var(--muted); }
.crumbs a:hover { color: var(--brass-deep); }
.on-navy .crumbs, .on-navy .crumbs a { color: var(--on-navy-muted); }
.on-navy .crumbs li + li::before { color: var(--rule-navy); }

/* ---------------------------------------------------------------- home hero */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--on-navy); isolation: isolate; }
.hero-art { position: absolute; inset: auto 0 0 0; height: clamp(16rem, 30vw, 26rem); z-index: -1; pointer-events: none; }
.hero-art img { width: 100%; height: 100%; object-fit: cover; object-position: 60% 100%; opacity: .85; }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(11,19,34,.0) 0%, rgba(11,19,34,.0) 55%, rgba(11,19,34,.55) 100%); }
.hero-inner { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; padding-block: clamp(3.5rem, 8vw, 6.5rem) clamp(12rem, 24vw, 20rem); }
.hero-copy { display: flex; flex-direction: column; gap: 1.5rem; }
.hero h1 { max-width: 12ch; }
.hero .sub { font-family: var(--f-serif); font-style: italic; font-size: clamp(1.2rem, 1rem + .8vw, 1.5rem); color: var(--brass); line-height: 1.4; }
.hero p.support { max-width: 36rem; color: var(--on-navy-muted); }
.hero .btn-row { margin-top: .5rem; }
@media (max-width: 960px) { .hero-inner { grid-template-columns: minmax(0, 1fr); } }

/* term-sheet card */
.sheet { background: rgba(11, 19, 34, .72); border: 1px solid var(--rule-navy); border-top: 2px solid var(--brass); padding: 1.5rem 1.5rem 1.25rem; backdrop-filter: blur(2px); }
.sheet-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding-bottom: .9rem; border-bottom: 1px solid var(--rule-navy); }
.sheet-head h2 { font-family: var(--f-serif); font-size: 1.2rem; }
.sheet dl { margin: 0; display: grid; }
.sheet dl > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; padding: .7rem 0; border-bottom: 1px dotted var(--rule-navy); font-size: var(--t-small); }
.sheet dt { color: var(--on-navy-muted); }
.sheet dd { margin: 0; color: var(--on-navy); text-align: right; }
.sheet p { margin-top: 1rem; font-size: .8125rem; color: var(--on-navy-muted); }

/* ---------------------------------------------------------------- credibility strip */
.strip { background: var(--ink); color: var(--on-navy); border-top: 1px solid var(--rule-navy); }
.strip ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.strip li { display: flex; flex-direction: column; gap: .2rem; padding: 1.4rem 1.25rem; border-left: 1px solid var(--rule-navy); }
.strip li:first-child { border-left: 0; padding-left: 0; }
.strip strong { font-family: var(--f-display); font-weight: 400; font-size: 1.35rem; letter-spacing: .04em; }
.strip span { font-size: .8125rem; color: var(--on-navy-muted); }
@media (max-width: 760px) { .strip ul { grid-template-columns: repeat(2, minmax(0, 1fr)); } .strip li:nth-child(3) { border-left: 0; padding-left: 0; } .strip li:nth-child(n+3) { border-top: 1px solid var(--rule-navy); } }

/* ---------------------------------------------------------------- program grid */
.programs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border-top: 1px solid var(--rule); border-left: 1px solid var(--rule); }
.program { display: grid; grid-template-rows: auto 1fr; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule); background: var(--paper); text-decoration: none; color: var(--text); }
.program:hover { color: var(--text); }
.program figure { margin: 0; aspect-ratio: 3 / 2; overflow: hidden; background: var(--mist); border-bottom: 1px solid var(--rule); }
.program figure img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.program:hover figure img { transform: scale(1.03); }
.program-body { display: flex; flex-direction: column; gap: .8rem; padding: 1.75rem 1.75rem 2rem; }
.program-body p { color: var(--muted); }
.program-body .for { font-size: var(--t-small); color: var(--text); border-top: 1px solid var(--rule); padding-top: .8rem; margin-top: auto; }
.program-body .for b { font-weight: 600; }
.program .text-link { align-self: flex-start; }
@media (max-width: 760px) { .programs { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- value list */
.values { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 clamp(1.5rem, 4vw, 3.5rem); }
.value { padding: 1.4rem 0 1.5rem; border-top: 1px solid var(--rule); display: grid; gap: .45rem; align-content: start; }
.value h3 { font-size: 1.25rem; }
.value p { color: var(--muted); font-size: 1rem; }
@media (max-width: 640px) { .values { grid-template-columns: minmax(0, 1fr); } }

/* portrait slot */
.portrait { margin: 0; display: grid; gap: .8rem; }
.portrait-frame { position: relative; aspect-ratio: 4 / 5; background: var(--mist); border: 1px solid var(--rule); overflow: hidden; }
.portrait-frame img { width: 100%; height: 100%; object-fit: cover; }
.portrait-frame.is-placeholder { display: grid; place-items: center; background: repeating-linear-gradient(135deg, var(--mist) 0 14px, #EEF0EF 14px 15px); }
.portrait-frame.is-placeholder span { font-size: var(--t-label); letter-spacing: .14em; text-transform: uppercase; color: var(--brass-deep); background: var(--paper); padding: .5rem .8rem; border: 1px dashed var(--brass-deep); text-align: center; }
.portrait figcaption { font-size: var(--t-small); color: var(--muted); }
.portrait figcaption b { display: block; color: var(--text); font-weight: 600; }

/* ---------------------------------------------------------------- process steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); counter-reset: step; }
.steps li { position: relative; padding: 1.75rem 1.5rem 0 0; border-top: 1px solid var(--rule-navy); display: grid; gap: .6rem; align-content: start; }
.steps li::before {
  counter-increment: step; content: "0" counter(step);
  font-family: var(--f-display); font-size: 2.75rem; line-height: 1; color: var(--brass);
}
.steps li::after { content: ""; position: absolute; top: -4px; left: 0; width: 7px; height: 7px; background: var(--brass); }
.steps h3 { font-size: 1.3rem; }
.steps p { color: var(--on-navy-muted); font-size: 1rem; }
.band-mist .steps li, .section:not(.on-navy) .steps li { border-top-color: var(--rule); }
.section:not(.on-navy) .steps p { color: var(--muted); }
.section:not(.on-navy) .steps li::before { color: var(--brass-deep); }
.section:not(.on-navy) .steps li::after { background: var(--brass-deep); }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 2.5rem; } }
@media (max-width: 520px) { .steps { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- markets */
.markets { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1rem, 2.5vw, 2rem); }
.market { display: grid; grid-template-rows: auto 1fr; text-decoration: none; color: var(--text); background: var(--paper); border: 1px solid var(--rule); }
.market:hover { color: var(--text); border-color: var(--text); }
.market figure { margin: 0; aspect-ratio: 3 / 2; overflow: hidden; border-bottom: 1px solid var(--rule); background: var(--mist); }
.market figure img { width: 100%; height: 100%; object-fit: cover; }
.market-body { padding: 1.5rem; display: flex; flex-direction: column; gap: .7rem; }
.market-abbr { font-family: var(--f-display); font-size: 3rem; line-height: .9; color: var(--brass-deep); }
.market-body p { color: var(--muted); font-size: 1rem; }
.market-body ul { list-style: none; margin: .2rem 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: .35rem; }
.market-body li { font-size: .78rem; padding: .25rem .55rem; border: 1px solid var(--rule); color: var(--text); }
.market .text-link { margin-top: auto; align-self: flex-start; }
@media (max-width: 900px) { .markets { grid-template-columns: minmax(0, 1fr); } .market { grid-template-columns: minmax(0, 2fr) minmax(0, 3fr); grid-template-rows: none; } .market figure { aspect-ratio: auto; height: 100%; border-bottom: 0; border-right: 1px solid var(--rule); } }
@media (max-width: 560px) { .market { grid-template-columns: minmax(0, 1fr); } .market figure { aspect-ratio: 3/2; border-right: 0; border-bottom: 1px solid var(--rule); } }

/* ---------------------------------------------------------------- case study cards */
.cases { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1rem, 2.5vw, 2rem); }
.case { background: var(--paper); border: 1px solid var(--rule); display: grid; grid-row: span 3; grid-template-rows: subgrid; row-gap: 0; }
.case-top { padding: 1.4rem 1.5rem 1.1rem; border-bottom: 1px solid var(--rule); display: grid; gap: .5rem; align-content: start; }
.case-top h3 { font-size: 1.25rem; }
.case dl { margin: 0; padding: .5rem 1.5rem; display: grid; }
.case dl > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; padding: .55rem 0; border-bottom: 1px dotted var(--rule); font-size: var(--t-small); }
.case dl > div:last-child { border-bottom: 0; }
.case dt { color: var(--muted); }
.case dd { margin: 0; text-align: right; font-variant-numeric: tabular-nums; }
.case-note { padding: 1rem 1.5rem 1.3rem; border-top: 1px solid var(--rule); font-size: var(--t-small); color: var(--muted); }
.stamp { display: inline-block; font-size: .6875rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep); border: 1px solid var(--brass-deep); padding: .2rem .5rem; justify-self: start; }
@media (max-width: 900px) { .cases { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- resources list */
.guide-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--rule); }
.guide-list li { border-bottom: 1px solid var(--rule); }
.guide-list a { display: grid; grid-template-columns: minmax(8rem, 12rem) minmax(0, 1fr) auto; gap: 1.5rem; align-items: baseline; padding: 1.25rem 0; text-decoration: none; color: var(--text); }
.guide-list a:hover h3 { color: var(--brass-deep); }
.guide-list .cat { font-size: var(--t-label); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.guide-list h3 { font-size: 1.3rem; transition: color .2s; }
.guide-list p { font-size: .95rem; color: var(--muted); margin-top: .3rem; }
.guide-list .go { font-size: .8125rem; color: var(--brass-deep); white-space: nowrap; }
@media (max-width: 680px) { .guide-list a { grid-template-columns: minmax(0, 1fr); gap: .35rem; } .guide-list .go { display: none; } }

/* ---------------------------------------------------------------- faq */
.faq { border-top: 1px solid var(--rule); }
.faq-item { border-bottom: 1px solid var(--rule); }
.faq-item summary {
  list-style: none; cursor: pointer; display: grid; grid-template-columns: minmax(0, 1fr) 1.5rem; gap: 1rem; align-items: center;
  padding: 1.3rem 0; font-family: var(--f-serif); font-size: 1.2rem; line-height: 1.35;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--f-sans); font-size: 1.5rem; font-weight: 400; color: var(--brass-deep); text-align: center; transition: transform .25s var(--ease); }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-a { padding: 0 3rem 1.5rem 0; color: var(--muted); max-width: 46rem; }
.faq-a > * + * { margin-top: .8em; }
.faq-a a { color: var(--text); text-decoration-color: var(--brass-fill); }
.on-navy .faq, .on-navy .faq-item { border-color: var(--rule-navy); }
.on-navy .faq-a { color: var(--on-navy-muted); }

/* ---------------------------------------------------------------- CTA band */
.cta-band { position: relative; overflow: hidden; isolation: isolate; }
.cta-band .band-art { position: absolute; inset: auto 0 0 0; z-index: -1; opacity: .5; pointer-events: none; }
.cta-band .band-art img { width: 100%; min-width: 900px; }
.cta-inner { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(2rem, 5vw, 5rem); align-items: end; padding-block: clamp(4.5rem, 9vw, 7rem) clamp(7rem, 13vw, 10rem); }
.cta-inner h2 { font-size: clamp(2.4rem, 1.6rem + 3vw, 4rem); }
.cta-inner .lede { margin-top: 1rem; }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; border-top: 1px solid var(--rule-navy); }
.checklist li { padding: .65rem 0; border-bottom: 1px solid var(--rule-navy); font-size: var(--t-small); display: grid; grid-template-columns: 1.4rem minmax(0,1fr); color: var(--on-navy-muted); }
.checklist li::before { content: ""; width: .5rem; height: .5rem; margin-top: .45rem; border: 1px solid var(--brass); }
@media (max-width: 860px) { .cta-inner { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- inner page hero */
.page-hero { background: var(--mist); border-bottom: 1px solid var(--rule); }
.page-hero-inner { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; padding-block: clamp(2rem, 4vw, 3rem) clamp(3rem, 6vw, 5rem); }
.page-hero-inner.no-art { grid-template-columns: minmax(0, 1fr); }
.page-hero-copy { display: flex; flex-direction: column; gap: 1.25rem; }
.page-hero h1 { font-size: clamp(2.25rem, 1.5rem + 3vw, 4rem); max-width: 18ch; }
.page-hero figure { margin: 0; border: 1px solid var(--rule); background: var(--paper); aspect-ratio: 3 / 2; overflow: hidden; }
.page-hero figure img { width: 100%; height: 100%; object-fit: cover; }
.page-hero.on-navy { border-bottom: 0; }
.page-hero.on-navy figure { border-color: var(--rule-navy); background: var(--navy); }
.byline { display: flex; flex-wrap: wrap; gap: .4rem 1.25rem; font-size: var(--t-small); color: var(--muted); }
.byline b { color: var(--text); font-weight: 600; }
@media (max-width: 900px) { .page-hero-inner { grid-template-columns: minmax(0, 1fr); } .page-hero figure { max-width: 34rem; } }

/* at-a-glance spec table */
.spec { width: 100%; border-collapse: collapse; font-size: .975rem; }
.spec caption { text-align: left; padding-bottom: .9rem; }
.spec th, .spec td { text-align: left; vertical-align: top; padding: .9rem 0; border-bottom: 1px solid var(--rule); }
.spec th { width: 34%; padding-right: 1.5rem; font-weight: 500; color: var(--muted); }
.spec tr:first-child th, .spec tr:first-child td { border-top: 1px solid var(--text); }
.table-scroll { overflow-x: auto; }

/* comparison table */
.compare { width: 100%; border-collapse: collapse; font-size: .95rem; min-width: 38rem; }
.compare th, .compare td { text-align: left; vertical-align: top; padding: 1rem 1.25rem 1rem 0; border-bottom: 1px solid var(--rule); }
.compare thead th { font-family: var(--f-serif); font-size: 1.15rem; font-weight: 400; border-bottom: 1px solid var(--text); }
.compare tbody th { font-weight: 500; color: var(--muted); width: 22%; }

/* two-up content with sticky aside */
.content-grid { display: grid; grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.content-grid > * { min-width: 0; }
.aside-sticky { position: sticky; top: 6.5rem; display: grid; gap: 1.5rem; }
@media (max-width: 960px) { .content-grid { grid-template-columns: minmax(0, 1fr); } .aside-sticky { position: static; } }

.panel { border: 1px solid var(--rule); background: var(--paper); padding: 1.5rem; display: grid; gap: .9rem; }
.panel h2, .panel h3 { font-family: var(--f-serif); font-size: 1.2rem; }
.panel p { font-size: .95rem; color: var(--muted); }
.panel.navy { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.panel.navy p { color: var(--on-navy-muted); }
.panel ul { list-style: none; margin: 0; padding: 0; display: grid; }
.panel li a { display: block; padding: .5rem 0; border-top: 1px solid var(--rule); text-decoration: none; font-size: .95rem; }
.panel.navy li a { border-color: var(--rule-navy); }

.takeaways { border-top: 2px solid var(--brass-fill); background: var(--mist); padding: 1.5rem 1.75rem; }
.takeaways h2 { font-family: var(--f-sans); font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep); margin: 0 0 .75rem; }
.takeaways ul { margin: 0; padding-left: 1.1em; display: grid; gap: .45rem; }
.toc { font-size: .95rem; }
.toc ol { margin: 0; padding-left: 1.2em; display: grid; gap: .35rem; }
.toc a { text-decoration: none; color: var(--muted); }
.toc a:hover { color: var(--brass-deep); }

.example { border: 1px solid var(--rule); background: var(--paper); }
.example-head { padding: 1rem 1.5rem; border-bottom: 1px solid var(--rule); display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; align-items: baseline; }
.example-head h3 { font-size: 1.2rem; }
.example table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; font-size: .95rem; }
.example td { padding: .7rem 1.5rem; border-bottom: 1px dotted var(--rule); }
.example td:last-child { text-align: right; }
.example tr.total td { border-top: 1px solid var(--text); border-bottom: 0; font-weight: 600; }
.example p.note { padding: .9rem 1.5rem 1.2rem; font-size: .85rem; color: var(--muted); }

.related { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--rule); }
.related a { padding: 1.25rem 1.5rem 1.5rem 0; text-decoration: none; display: grid; gap: .4rem; border-bottom: 1px solid var(--rule); }
.related a span { font-size: var(--t-label); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.related a strong { font-family: var(--f-serif); font-weight: 400; font-size: 1.15rem; }
.related a:hover strong { color: var(--brass-deep); }
@media (max-width: 760px) { .related { grid-template-columns: minmax(0, 1fr); } }

.cols-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1.5rem, 3vw, 2.5rem); }
.cols-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(1.5rem, 3vw, 2.5rem); }
.cols-3 > *, .cols-2 > * { min-width: 0; }
.col-item { border-top: 1px solid var(--text); padding-top: 1.1rem; display: grid; gap: .55rem; align-content: start; }
.col-item h3 { font-size: 1.25rem; }
.col-item p, .col-item li { color: var(--muted); font-size: 1rem; }
.col-item ul { margin: 0; padding-left: 1.1em; display: grid; gap: .3rem; }
.on-navy .col-item { border-top-color: var(--brass); }
.on-navy .col-item p, .on-navy .col-item li { color: var(--on-navy-muted); }
@media (max-width: 860px) { .cols-3, .cols-2 { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- calculators */
.calc { display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); border: 1px solid var(--rule); background: var(--paper); }
.calc > * { min-width: 0; }
.calc-inputs { padding: clamp(1.25rem, 3vw, 2rem); display: grid; gap: 1.5rem; align-content: start; }
.calc-inputs fieldset { border: 0; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem 1.25rem; }
.calc-inputs legend { grid-column: 1 / -1; font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep); padding: 0; margin-bottom: .6rem; }
.calc-out { background: var(--navy); color: var(--on-navy); padding: clamp(1.25rem, 3vw, 2rem); display: grid; gap: 1.25rem; align-content: start; }
.calc-out h2, .calc-out h3 { font-family: var(--f-serif); font-size: 1.2rem; }
.big-figure { font-family: var(--f-display); font-size: clamp(2.5rem, 2rem + 2vw, 3.5rem); line-height: 1; color: var(--brass); font-variant-numeric: tabular-nums lining-nums; }
.out-list { margin: 0; display: grid; }
.out-list > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; padding: .6rem 0; border-bottom: 1px dotted var(--rule-navy); font-size: .95rem; }
.out-list dt { color: var(--on-navy-muted); }
.out-list dd { margin: 0; font-variant-numeric: tabular-nums; }
.out-list > div.strong dd, .out-list > div.strong dt { color: var(--on-navy); font-weight: 600; }
.calc-note { font-size: .8125rem; color: var(--on-navy-muted); }
.bar { height: .5rem; background: var(--navy-2); position: relative; }
.bar i { position: absolute; inset: 0 auto 0 0; background: var(--brass); transition: width .3s var(--ease); }
.comps { width: 100%; border-collapse: collapse; font-size: .9rem; min-width: 34rem; }
.comps th { text-align: left; font-size: .72rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); padding: .4rem .5rem .6rem 0; border-bottom: 1px solid var(--text); }
.comps td { padding: .45rem .5rem .45rem 0; border-bottom: 1px solid var(--rule); }
.comps input { min-height: 2.4rem; }
@media (max-width: 900px) { .calc { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 480px) { .calc-inputs fieldset { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- forms */
.field { display: grid; gap: .35rem; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .875rem; font-weight: 500; color: var(--text); }
.field .hint { font-size: .78rem; color: var(--muted); }
.field input, .field select, .field textarea {
  width: 100%; min-height: 3rem; padding: .7rem .85rem;
  font: 400 1rem/1.4 var(--f-sans); color: var(--text); background: var(--paper);
  border: 1px solid #B9BFC8; border-radius: 0; appearance: none;
}
.field textarea { min-height: 7rem; resize: vertical; }
.field select { background-image: linear-gradient(45deg, transparent 50%, var(--text) 50%), linear-gradient(135deg, var(--text) 50%, transparent 50%); background-position: calc(100% - 1.1rem) 55%, calc(100% - .8rem) 55%; background-size: .3rem .3rem; background-repeat: no-repeat; padding-right: 2.2rem; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--brass-deep); outline-offset: 0; border-color: var(--brass-deep); }
.field .prefix { position: relative; }
.field .prefix::before { content: attr(data-prefix); position: absolute; left: .85rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 1rem; pointer-events: none; }
.field .prefix input { padding-left: 1.7rem; }
.field .suffix { position: relative; }
.field .suffix::after { content: attr(data-suffix); position: absolute; right: .85rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: .95rem; pointer-events: none; }
.field .suffix input { padding-right: 2.2rem; }
.field[aria-invalid="true"] input, .field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: #A23B2A; }
.field .err { font-size: .8rem; color: #A23B2A; }
.choice-row { display: flex; flex-wrap: wrap; gap: .5rem; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.choice span { display: inline-flex; align-items: center; min-height: 2.6rem; padding: .5rem .95rem; border: 1px solid #B9BFC8; font-size: .9rem; background: var(--paper); cursor: pointer; }
.choice input:checked + span { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.choice input:focus-visible + span { outline: 2px solid var(--brass-deep); outline-offset: 2px; }

.deal-form { display: grid; gap: 0; border: 1px solid var(--rule); background: var(--paper); }
.deal-form fieldset { border: 0; margin: 0; padding: clamp(1.25rem, 3vw, 2rem); display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.1rem 1.25rem; border-bottom: 1px solid var(--rule); }
.deal-form legend { float: left; width: 100%; grid-column: 1 / -1; display: flex; gap: .9rem; align-items: baseline; padding: 0; margin-bottom: .4rem; font-family: var(--f-serif); font-size: 1.3rem; }
.deal-form legend .n { font-family: var(--f-sans); font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; color: var(--brass-deep); }
.deal-form .form-foot { padding: clamp(1.25rem, 3vw, 2rem); display: flex; flex-wrap: wrap; gap: 1rem 2rem; align-items: center; justify-content: space-between; background: var(--mist); }
.deal-form .form-foot p { font-size: .8125rem; color: var(--muted); max-width: 34rem; }
.ratio-read { grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; padding: .8rem 1rem; background: var(--mist); font-size: .875rem; color: var(--muted); font-variant-numeric: tabular-nums; }
.ratio-read b { color: var(--text); font-weight: 600; }
.hp { position: absolute; left: -9999px; }
.form-done { border: 1px solid var(--rule); border-top: 2px solid var(--brass-fill); background: var(--paper); padding: 2rem; display: grid; gap: .8rem; }
@media (max-width: 640px) { .deal-form fieldset { grid-template-columns: minmax(0, 1fr); } }

/* contact card */
.contact-card { display: grid; grid-template-columns: 8rem minmax(0, 1fr); gap: 1.25rem; align-items: start; }
.contact-card .portrait-frame { aspect-ratio: 1; }
.contact-lines { display: grid; gap: .35rem; font-size: .95rem; }
.contact-lines span { color: var(--muted); font-size: .8125rem; letter-spacing: .08em; text-transform: uppercase; }

/* ---------------------------------------------------------------- about */
.about-hero { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(2rem, 5vw, 5rem); align-items: end; }
.about-hero .portrait-frame { aspect-ratio: 4 / 5; }
@media (max-width: 860px) { .about-hero { grid-template-columns: minmax(0, 1fr); } .about-hero .portrait { max-width: 26rem; } }
.fact-table { width: 100%; border-collapse: collapse; }
.fact-table th, .fact-table td { text-align: left; vertical-align: top; padding: .85rem 0; border-bottom: 1px solid var(--rule); font-size: .975rem; }
.fact-table th { width: 32%; font-weight: 500; color: var(--muted); padding-right: 1.25rem; }

/* ---------------------------------------------------------------- footer */
.site-footer { background: var(--ink); color: var(--on-navy-muted); font-size: .9rem; }
.footer-top { display: grid; grid-template-columns: minmax(0, 4fr) repeat(4, minmax(0, 2fr)); gap: 2rem; padding-block: 4.5rem 3rem; }
.footer-top > * { min-width: 0; }
.site-footer .wordmark { color: var(--on-navy); }
.site-footer .wordmark-sub { color: var(--brass); }
.site-footer h2 { font-family: var(--f-sans); font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--on-navy); margin-bottom: 1rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .55rem; }
.site-footer a { text-decoration: none; color: var(--on-navy-muted); }
.site-footer a:hover { color: var(--brass); }
.footer-about p { margin-top: 1.25rem; max-width: 22rem; line-height: 1.6; }
.footer-legal { border-top: 1px solid var(--rule-navy); padding-block: 1.75rem 2.5rem; display: grid; gap: .8rem; font-size: .8rem; line-height: 1.6; }
.footer-legal .row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; }
@media (max-width: 960px) { .footer-top { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer-about { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer-top { grid-template-columns: minmax(0, 1fr); } }

/* ---------------------------------------------------------------- motion */
.reveal { transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.pending { opacity: .001; transform: translateY(14px); }

/* comps table inputs */
.comps input { width: 100%; min-width: 6rem; min-height: 2.4rem; padding: .4rem .55rem; font: 400 .9rem/1.3 var(--f-sans); color: var(--text); background: var(--paper); border: 1px solid #B9BFC8; border-radius: 0; }
.comps input:focus { outline: 2px solid var(--brass-deep); outline-offset: 0; }
.comps td[data-k="psf"] { white-space: nowrap; }
.panel .text-link { justify-self: start; }
a.panel { color: var(--text); }
a.panel:hover { border-color: var(--text); color: var(--text); }
code { font-size: .85em; background: var(--mist); padding: .1em .35em; }

.wordmark { min-width: 0; }
@media (max-width: 640px) { .ws-states { display: none; } }
.calc-inputs > * { min-width: 0; }
.about-grid { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); }
@media (max-width: 1100px) { .about-grid { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 520px) { .btn { white-space: normal; text-align: center; } }
.portrait > .portrait-frame { align-self: start; width: 100%; }
.about-hero .portrait-frame { min-height: 0; }

/* program terms band (home) */
.terms-band { background: var(--paper); border-bottom: 1px solid var(--rule); padding-block: clamp(2rem, 4vw, 3rem); }
.terms { margin: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.terms > div { display: grid; gap: .2rem; padding: .25rem 1.5rem; border-left: 1px solid var(--rule); }
.terms > div:first-child { border-left: 0; padding-left: 0; }
.terms dt { order: 1; font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--brass-deep); }
.terms dd { order: 2; margin: 0; font-family: var(--f-display); font-size: clamp(2rem, 1.5rem + 1.8vw, 3rem); line-height: 1.05; color: var(--text); font-variant-numeric: lining-nums; }
.terms span { order: 3; font-size: .875rem; color: var(--muted); }
.terms-note { margin-top: 1.25rem; font-size: .8125rem; color: var(--muted); }
@media (max-width: 760px) { .terms { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 1.5rem; } .terms > div:nth-child(3) { border-left: 0; padding-left: 0; } }
.portrait-frame > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 20%; }
.terms dd { white-space: nowrap; font-size: clamp(1.7rem, 1.1rem + 1.6vw, 2.6rem); }
.portrait { display: block; }
.portrait figcaption { margin-top: .8rem; }
.panel.navy .steps li { border-top-color: var(--rule-navy); }
.panel.navy .steps p { color: var(--on-navy-muted); }
.panel.navy .steps li::before { color: var(--brass); }
.panel.navy .steps li::after { background: var(--brass); }
.contact-lines a { white-space: nowrap; }
/* the portrait figure sits inside .page-hero; undo the 3:2 page-hero figure crop */
.page-hero .about-hero figure.portrait { aspect-ratio: auto; border: 0; background: none; overflow: visible; max-width: 100%; }

/* ---- 2026-11 audit: hero terms, agent line, mobile call bar ---- */
.hero-inner { padding-block: clamp(3rem, 6vw, 5rem) clamp(7rem, 13vw, 11rem); }
.hero h1 { max-width: 17ch; }
.hero-agent { display: flex; align-items: center; gap: .8rem; font-size: var(--t-label); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--brass); line-height: 1.4; }
.hero-agent img { flex: none; width: 48px; height: 48px; border-radius: 50%; object-fit: cover; object-position: 50% 18%; border: 1px solid var(--brass); }
.hero-terms { margin: .25rem 0 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-top: 1px solid var(--rule-navy); padding-top: 1.1rem; }
.hero-terms > div { display: flex; flex-direction: column; gap: .15rem; padding: 0 1rem; border-left: 1px solid var(--rule-navy); }
.hero-terms > div:first-child { border-left: 0; padding-left: 0; }
.hero-terms dt { order: 1; font-size: var(--t-label); font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--on-navy-muted); }
.hero-terms dd { order: 2; margin: 0; font-family: var(--f-display); font-size: clamp(1.45rem, 1rem + 1.3vw, 2.1rem); line-height: 1.1; color: var(--on-navy); white-space: nowrap; font-variant-numeric: lining-nums; }
.hero-terms span { order: 3; font-size: .8125rem; color: var(--on-navy-muted); }
.hero-terms-note { font-size: .75rem; color: var(--on-navy-muted); margin-top: -.6rem; }
@media (max-width: 600px) { .hero-terms { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 1rem; } .hero-terms > div:nth-child(3) { border-left: 0; padding-left: 0; } }
.call-bar { display: none; }
@media (max-width: 760px) {
  .call-bar { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: .6rem .75rem calc(.6rem + env(safe-area-inset-bottom, 0px)); background: var(--navy); border-top: 1px solid var(--rule-navy); box-shadow: 0 -6px 18px rgba(11, 19, 34, .25); }
  .call-bar .btn { min-height: 2.9rem; justify-content: center; padding: .6rem .5rem; font-size: .75rem; }
  body { padding-bottom: calc(4.4rem + env(safe-area-inset-bottom, 0px)); }
}
@media print { .call-bar { display: none !important; } }
/* ---- 2026-11 calculator upgrades ---- */
.calc-warn { font-size: .8125rem; color: var(--navy); background: var(--brass); padding: .55rem .75rem; line-height: 1.45; }
.calc-out .btn-ghost { --b-bg: transparent; --b-fg: var(--on-navy); --b-bd: rgba(237, 240, 244, .55); }
.calc-out .btn-ghost:hover { --b-bg: var(--on-navy); --b-fg: var(--navy); color: var(--navy); }
.calc-out .btn-row .btn { min-height: 2.75rem; }
.comp-remove { width: 2rem; height: 2rem; border: 1px solid var(--rule); background: none; color: var(--muted); font-size: 1.1rem; line-height: 1; cursor: pointer; }
.comp-remove:hover { color: #A23B2A; border-color: #A23B2A; }
.comp-remove[disabled] { opacity: .35; cursor: default; }
.calc-out .btn { white-space: normal; text-align: center; line-height: 1.35; }
@media (max-width: 600px) { .hero .support { display: none; } }
.table-scroll { position: relative; }
/* full skyline restored; the hero leaves room for it below the terms so the drawing never sits behind text */
/* skyline frame sized so the tower tops and beacons are never cropped (top of the drawing pinned 100 units down) */
.hero-art { height: clamp(14rem, 36vw, 34rem); }
.hero-art img { object-position: 60% -6.25vw; }
.hero-inner { padding-bottom: clamp(15.75rem, calc(36vw + 1.75rem), 35.75rem); }

/* ---- 2026-11 subtle motion (buttons, cards, reveal). All motion is off under prefers-reduced-motion (rule near top of file). ---- */
.btn { position: relative; overflow: hidden; -webkit-tap-highlight-color: transparent;
  transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), transform .22s var(--ease), box-shadow .25s var(--ease); }
/* light sweep across brass buttons */
.btn-brass::after { content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(110deg, transparent 35%, rgba(255, 255, 255, .38) 50%, transparent 65%);
  transform: translateX(-130%); }
/* hover effects only on devices that really hover, so taps on phones never leave a button "stuck" lifted */
@media (hover: hover) and (pointer: fine) {
  .btn:hover { transform: translateY(-2px); box-shadow: 0 10px 22px -12px rgba(11, 19, 34, .55); }
  .btn-brass:hover::after { transform: translateX(130%); transition: transform .75s var(--ease); }
  .program, .market { transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .25s var(--ease); }
  .program:hover, .market:hover { transform: translateY(-3px); box-shadow: 0 16px 30px -22px rgba(11, 19, 34, .45); }
  .program:hover .text-link .arrow, .market:hover .text-link [aria-hidden] { display: inline-block; transform: translateX(3px); transition: transform .25s var(--ease); }
}
/* press feedback: works on touch and mouse */
.btn:active { transform: translateY(0) scale(.97); box-shadow: none; transition-duration: .08s; }
.call-bar .btn:active { transform: scale(.96); }
/* the main homepage button gets one gentle sweep shortly after the page opens */
@keyframes btn-sheen { from { transform: translateX(-130%); } to { transform: translateX(130%); } }
.hero .btn-brass::after { animation: btn-sheen 1.1s var(--ease) 1.4s 1 both; }
/* the arrow on brass buttons nudges once when it comes into view, then on hover as before */
@keyframes arrow-nudge { 0%, 100% { transform: none; } 50% { transform: translateX(4px); } }
.js .btn-brass.in-view .arrow { animation: arrow-nudge .9s var(--ease) .3s 2; }
/* cards and list items fade up as they scroll into view */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s var(--ease), transform .6s var(--ease); transition-delay: var(--reveal-delay, 0s); }
.js .reveal.in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .js .reveal { opacity: 1; transform: none; } .btn:hover, .btn:active { transform: none; } }
@media print { .js .reveal { opacity: 1 !important; transform: none !important; } }
/* fix: ".on-navy a:hover" was turning button text gold on hover, hiding it on gold buttons */
.on-navy a.btn-brass:hover, .calc-out a.btn-brass:hover { color: var(--ink); }
.on-navy a.btn-ghost:hover { color: var(--navy); }
.hero-art picture { display: block; width: 100%; height: 100%; }
.js .hero-art img.pending { opacity: 0; }