/* The Agent Advance: site styles
   Colors and fonts are set once here, at the top, and reused everywhere. */

@font-face { font-family: "Plus Jakarta Sans"; font-weight: 700; font-style: normal; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-weight: 800; font-style: normal; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-800-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-weight: 400; font-style: normal; font-display: swap; src: url("../fonts/inter-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-weight: 500; font-style: normal; font-display: swap; src: url("../fonts/inter-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-weight: 600; font-style: normal; font-display: swap; src: url("../fonts/inter-latin-600-normal.woff2") format("woff2"); }

:root {
  --ink: #0e1f1a;
  --text: #3a4a45;
  --muted: #5b6b66;
  --line: #dce6e1;
  --bg: #ffffff;
  --bg-soft: #f3f8f5;
  --mint: #e3f3ea;
  --green-900: #0b3b2e;
  --green-800: #0e4a3a;
  --green-700: #13775a;
  --green-600: #17946f;
  --gold: #f2b544;
  --gold-600: #e3a127;
  --danger: #b42318;
  --danger-bg: #fef3f2;
  --ok: #067647;
  /* Placeholder highlight: anything in this pink box still needs real info before launch */
  --ph-bg: #ffe3ee;
  --ph-line: #e0457b;
  --ph-text: #8a1c45;
  --radius: 18px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(14, 31, 26, .06), 0 2px 8px rgba(14, 31, 26, .05);
  --shadow: 0 1px 2px rgba(14, 31, 26, .06), 0 12px 32px rgba(14, 31, 26, .10);
  --font-head: "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-body: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { display: block; max-width: 100%; }
a { color: var(--green-700); text-underline-offset: 3px; }
a:hover { color: var(--green-800); }
a[href^="tel:"], a[href^="mailto:"] { white-space: nowrap; } /* keep the phone number and email on one line */
h1, h2, h3 { font-family: var(--font-head); color: var(--ink); line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.5rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; letter-spacing: -0.01em; }
h2 { text-wrap: balance; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
@media (max-width: 600px) { .wrap { padding: 0 16px; } }

.skip-link { position: absolute; left: -9999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }

.visually-hidden { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }

/* Placeholder marker: shows where real info is still needed */
.ph {
  background: var(--ph-bg);
  color: var(--ph-text);
  border: 1.5px dashed var(--ph-line);
  border-radius: 6px;
  padding: 0 .35em;
  font-weight: 600;
  box-decoration-break: clone;
  -webkit-box-decoration-break: clone;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  font-family: var(--font-head); font-weight: 700; font-size: 1rem; line-height: 1;
  padding: .95em 1.5em; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: background-color .15s, color .15s, border-color .15s, transform .15s, box-shadow .15s;
  white-space: nowrap;
}
.btn svg { width: 1.15em; height: 1.15em; flex: none; }
.btn-primary { background: var(--gold); color: var(--ink); box-shadow: 0 6px 16px rgba(227, 161, 39, .28); }
.btn-primary:hover { background: var(--gold-600); color: var(--ink); transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--green-800); border-color: #b9d3c7; }
.btn-secondary:hover { background: var(--mint); color: var(--green-900); border-color: var(--green-700); }
.btn-small { padding: .7em 1.15em; font-size: .95rem; }
.btn-lg { font-size: 1.08rem; padding: 1.05em 1.8em; }
.btn[disabled], .btn[aria-disabled="true"] { opacity: .55; cursor: not-allowed; transform: none; box-shadow: none; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(160%) blur(10px); -webkit-backdrop-filter: saturate(160%) blur(10px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 76px; }
.brand { display: inline-flex; align-items: center; flex: none; }
.brand img { height: 40px; width: auto; }
.nav { display: flex; align-items: center; gap: 8px; }
.nav a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 500; padding: 10px 14px; border-radius: 999px; }
.nav a:not(.btn):hover { background: var(--bg-soft); }
.nav a[aria-current="page"]:not(.btn) { color: var(--green-700); background: var(--mint); }
.nav .btn { margin-left: 8px; }
.menu-toggle { display: none; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; border: 1px solid var(--line); background: #fff; color: var(--ink); cursor: pointer; }
.menu-toggle svg { width: 22px; height: 22px; }

@media (max-width: 820px) {
  .header-inner { height: 66px; }
  .brand img { height: 34px; }
  .menu-toggle { display: inline-flex; }
  .nav {
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 4px;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(14, 31, 26, .08);
    padding: 12px 16px 18px;
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a:not(.btn) { padding: 12px 14px; }
  .nav .btn { margin: 8px 0 0; }
}
@media (max-width: 380px) { .brand img { height: 30px; } }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: radial-gradient(1200px 520px at 85% -10%, #d7efe2 0%, rgba(215, 239, 226, 0) 60%), linear-gradient(180deg, #f6fbf8 0%, #ffffff 100%); }
.hero::after { content: ""; position: absolute; inset: auto -10% -1px -10%; height: 1px; background: var(--line); }
.hero-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding-top: 80px; padding-bottom: 76px; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-head); font-weight: 700; font-size: .85rem; letter-spacing: .08em; text-transform: uppercase; color: var(--green-700); background: #fff; border: 1px solid #cfe6da; padding: 7px 12px; border-radius: 999px; margin-bottom: 20px; }
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 3px rgba(242, 181, 68, .25); }
.hero h1 { margin-bottom: 18px; }
.hero h1 .accent { color: var(--green-700); }
.lead { font-size: 1.2rem; color: var(--text); max-width: 34em; margin-bottom: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 26px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; list-style: none; padding: 0; margin: 0; color: var(--muted); font-size: .95rem; font-weight: 500; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; }
.hero-points svg { width: 18px; height: 18px; color: var(--green-700); flex: none; }

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 44px; padding-top: 56px; padding-bottom: 64px; }
  .hero-art { max-width: 520px; }
}
@media (max-width: 600px) {
  .lead { font-size: 1.08rem; }
  .eyebrow { font-size: .72rem; letter-spacing: .05em; }
  .hero-actions .btn { flex: 1 1 100%; }
}

/* Hero photo with two floating cards (the cards are decoration; the example amount matches the calculator) */
.hero-art { position: relative; padding: 0 0 44px 40px; }
.hero-photo { position: relative; border-radius: 26px; overflow: hidden; aspect-ratio: 1 / 1; background: var(--mint); box-shadow: 0 2px 6px rgba(14, 31, 26, .08), 0 24px 48px rgba(14, 31, 26, .18); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hmoney { position: absolute; left: 0; top: 36px; display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 14px 20px 14px 14px; box-shadow: var(--shadow); }
.hmoney .ico { width: 40px; height: 40px; border-radius: 50%; background: var(--green-700); color: #fff; display: grid; place-items: center; flex: none; }
.hmoney .ico svg { width: 20px; height: 20px; }
.hmoney .label { display: block; font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.hmoney strong { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1.6rem; line-height: 1.15; color: var(--green-800); font-variant-numeric: tabular-nums; }
.hmoney .sub { display: block; font-size: .8rem; color: var(--muted); }
.hfloat { position: absolute; right: -14px; bottom: 0; display: flex; align-items: center; gap: 12px; background: var(--green-900); color: #fff; border-radius: 16px; padding: 14px 18px; box-shadow: var(--shadow); max-width: 290px; }
.hfloat .ico { width: 40px; height: 40px; border-radius: 12px; background: rgba(242, 181, 68, .18); color: var(--gold); display: grid; place-items: center; flex: none; }
.hfloat .ico svg { width: 22px; height: 22px; }
.hfloat strong { display: block; font-family: var(--font-head); font-size: .98rem; }
.hfloat span { font-size: .84rem; color: #cfe7dc; }
@media (max-width: 1100px) { .hfloat { right: 0; } }
@media (max-width: 960px) { .hfloat { right: 12px; } }
@media (max-width: 480px) {
  .hero-art { padding-left: 18px; }
  .hmoney { top: 18px; padding: 10px 14px 10px 10px; gap: 10px; }
  .hmoney .ico { width: 32px; height: 32px; }
  .hmoney strong { font-size: 1.25rem; }
  .hmoney .sub { display: none; }
}

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 720px; margin: 0 auto 44px; text-align: center; }
.section-head p { font-size: 1.12rem; color: var(--text); margin: 0; }
.kicker { display: block; font-family: var(--font-head); font-weight: 700; font-size: .85rem; letter-spacing: .08em; text-transform: uppercase; color: var(--green-700); margin-bottom: 10px; }
@media (max-width: 600px) { .section { padding: 64px 0; } .section-head { margin-bottom: 32px; } }

/* Video */
.video-frame { position: relative; max-width: 920px; margin: 0 auto; border-radius: 22px; overflow: hidden; background: var(--green-900); box-shadow: var(--shadow); aspect-ratio: 16 / 9; }
.video-frame video { width: 100%; height: 100%; object-fit: cover; background: var(--green-900); }
.video-play {
  position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
  background: transparent; border: 0; cursor: pointer; padding: 0;
}
.video-play .btn-circle { width: 96px; height: 96px; border-radius: 50%; background: var(--gold); color: var(--ink); display: grid; place-items: center; box-shadow: 0 10px 30px rgba(0, 0, 0, .25); transition: transform .15s; }
.video-play:hover .btn-circle { transform: scale(1.06); }
.video-play svg { width: 38px; height: 38px; margin-left: 6px; }
.video-frame.is-playing .video-play { display: none; }
@media (max-width: 600px) { .video-play .btn-circle { width: 72px; height: 72px; } .video-play svg { width: 30px; height: 30px; } }
.transcript { max-width: 920px; margin: 22px auto 0; }
.transcript summary { cursor: pointer; font-weight: 600; color: var(--green-800); list-style: none; display: inline-flex; align-items: center; gap: 8px; }
.transcript summary::-webkit-details-marker { display: none; }
.transcript summary svg { width: 18px; height: 18px; transition: transform .2s; }
.transcript[open] summary svg { transform: rotate(90deg); }
.transcript .transcript-body { margin-top: 14px; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px 22px; font-size: 1rem; }
.transcript .transcript-body p:last-child { margin-bottom: 0; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; list-style: none; margin: 0; padding: 0; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px 28px; box-shadow: var(--shadow-sm); }
.step-num { position: absolute; top: 22px; right: 24px; font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1; color: #e6efe9; }
.step .ico { width: 56px; height: 56px; border-radius: 16px; background: var(--mint); color: var(--green-700); display: grid; place-items: center; margin-bottom: 18px; }
.step .ico svg { width: 28px; height: 28px; }
.step p { margin: 0; }
@media (max-width: 900px) { .steps { grid-template-columns: 1fr; } }

/* Benefits */
.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.benefit .ico { width: 48px; height: 48px; border-radius: 14px; background: var(--green-900); color: var(--gold); display: grid; place-items: center; margin-bottom: 16px; }
.benefit .ico svg { width: 24px; height: 24px; }
.benefit p { margin: 0; }
@media (max-width: 900px) { .benefits { grid-template-columns: 1fr; gap: 28px; } }
.why-split { display: grid; grid-template-columns: minmax(0, 440px) 1fr; gap: 64px; align-items: center; }
.why-photo { border-radius: 22px; overflow: hidden; aspect-ratio: 4 / 5; background: var(--mint); box-shadow: var(--shadow); }
.why-photo img { width: 100%; height: 100%; object-fit: cover; }
.why-split h2 { margin-bottom: 30px; }
.benefits-list { grid-template-columns: 1fr; gap: 26px; }
.benefits-list .benefit { display: flex; gap: 18px; align-items: flex-start; }
.benefits-list .benefit .ico { margin-bottom: 0; flex: none; }
.benefits-list h3 { margin-bottom: .3em; }
@media (max-width: 900px) {
  .why-split { grid-template-columns: 1fr; gap: 36px; }
  .why-photo { aspect-ratio: 4 / 3; max-width: 560px; }
  .why-photo img { object-position: 50% 62%; }
}

/* Money section with the commission check */
.money-band { position: relative; overflow: hidden; color: #d6ebe1; padding: 96px 0; background: radial-gradient(900px 520px at 88% 18%, rgba(242, 181, 68, .16), rgba(242, 181, 68, 0) 60%), linear-gradient(160deg, var(--green-900) 0%, #082a21 100%); }
.money-inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 64px; align-items: center; }
.money-band .kicker { color: var(--gold); }
.money-band h2 { color: #fff; }
.money-band p { font-size: 1.1rem; max-width: 36em; }
.money-stats { list-style: none; padding: 0; margin: 28px 0 32px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.money-stats li { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); border-radius: 14px; padding: 16px 18px; }
.money-stats strong { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1.25rem; color: var(--gold); line-height: 1.25; }
.money-stats span { font-size: .92rem; }
.money-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .45); }
.btn-ghost:hover { background: rgba(255, 255, 255, .08); color: #fff; border-color: #fff; }
.paycheck-wrap { padding: 12px; }
.paycheck { position: relative; color: var(--ink); border-radius: 16px; padding: 28px 30px 24px; transform: rotate(-3deg); box-shadow: 0 30px 60px rgba(0, 0, 0, .35), 0 2px 6px rgba(0, 0, 0, .2);
  background: repeating-linear-gradient(45deg, rgba(19, 119, 90, .05) 0 2px, transparent 2px 9px), repeating-linear-gradient(-45deg, rgba(19, 119, 90, .05) 0 2px, transparent 2px 9px), linear-gradient(135deg, #f6fbf8 0%, #e3f1e9 100%); }
.paycheck::before { content: ""; position: absolute; inset: 10px; border: 1.5px solid rgba(19, 119, 90, .25); border-radius: 10px; pointer-events: none; }
.paycheck-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; margin-bottom: 28px; }
.paycheck-top img { height: 28px; width: auto; }
.paycheck-meta { display: grid; gap: 6px; text-align: right; font-size: .78rem; font-weight: 600; letter-spacing: .03em; color: var(--muted); white-space: nowrap; }
.paycheck-meta em { font-style: normal; color: var(--ink); border-bottom: 1.5px solid #9fb9ae; padding: 0 10px; margin-left: 6px; }
.paycheck .lbl { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.paycheck-pay { display: grid; grid-template-columns: auto 1fr auto; align-items: end; gap: 12px; }
.paycheck-pay .payee { font-family: var(--font-head); font-weight: 800; font-size: 1.3rem; border-bottom: 1.5px solid #9fb9ae; padding: 0 8px 2px; }
.paycheck-pay .amount { font-family: var(--font-head); font-weight: 800; font-size: 1.35rem; color: var(--green-800); background: #fff; border: 1.5px solid #9fb9ae; border-radius: 8px; padding: 4px 12px; font-variant-numeric: tabular-nums; white-space: nowrap; }
.paycheck-words { display: flex; justify-content: space-between; align-items: flex-end; gap: 12px; margin: 18px 0 26px; padding-bottom: 4px; border-bottom: 1.5px solid #9fb9ae; font-style: italic; font-size: .86rem; }
.paycheck-words span { font-style: normal; font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.paycheck-bottom { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; }
.paycheck-bottom .memo { display: block; margin-top: 2px; padding: 0 8px 2px; border-bottom: 1.5px solid #9fb9ae; font-size: .95rem; }
.paycheck-bottom .sign { text-align: center; min-width: 170px; }
.paycheck-bottom .sig { display: block; padding: 0 6px 2px; border-bottom: 1.5px solid #9fb9ae; font-family: "Snell Roundhand", "Brush Script MT", "Segoe Script", cursive; font-size: 1.45rem; line-height: 1.2; color: var(--green-800); }
@media (max-width: 960px) { .money-inner { grid-template-columns: 1fr; gap: 48px; } .paycheck-wrap { max-width: 540px; } }
@media (max-width: 600px) {
  .money-band { padding: 64px 0; }
  .money-stats { grid-template-columns: 1fr; }
  .money-actions .btn { flex: 1 1 100%; }
  .paycheck { padding: 22px 18px 18px; transform: rotate(-2deg); }
  .paycheck-top { flex-direction: column; gap: 10px; margin-bottom: 18px; }
  .paycheck-top img { height: 22px; }
  .paycheck-meta { grid-auto-flow: column; justify-content: start; gap: 16px; text-align: left; }
  .paycheck-pay { grid-template-columns: 1fr auto; }
  .paycheck-pay .lbl { grid-column: 1 / -1; }
  .paycheck-words { font-size: .76rem; }
  .paycheck-bottom { flex-direction: column; align-items: stretch; gap: 14px; }
  .paycheck-bottom .sign { min-width: 0; }
}

/* Split block (who can apply) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist .check { width: 26px; height: 26px; border-radius: 50%; background: var(--mint); color: var(--green-700); display: grid; place-items: center; flex: none; margin-top: 1px; }
.checklist .check svg { width: 16px; height: 16px; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow-sm); }
@media (max-width: 900px) { .split { grid-template-columns: minmax(0, 1fr); gap: 32px; } }
@media (max-width: 600px) { .panel { padding: 24px 20px; } .panel .btn { width: 100%; white-space: normal; } } /* fixes a 5px sideways scroll on very small phones */

/* CTA band */
.cta-band { background: var(--green-900); color: #d6ebe1; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; width: 520px; height: 520px; right: -140px; top: -260px; border-radius: 50%; background: radial-gradient(circle, rgba(242, 181, 68, .18), rgba(242, 181, 68, 0) 65%); }
.cta-inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 32px; padding-top: 72px; padding-bottom: 72px; }
.cta-band h2 { color: #fff; margin-bottom: 10px; }
.cta-band p { margin: 0; font-size: 1.12rem; max-width: 38em; }
.cta-band a:not(.btn) { color: #fff; }
.cta-band.has-photo .band-photo img { position: absolute; inset: 0; z-index: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 60%; }
.cta-band.has-photo::after { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, rgba(8, 42, 33, .94) 0%, rgba(11, 59, 46, .84) 45%, rgba(11, 59, 46, .5) 75%, rgba(11, 59, 46, .35) 100%); }
.cta-band.has-photo::before { z-index: 2; }
.cta-band.has-photo .cta-inner { z-index: 3; }
.cta-actions { display: flex; flex-direction: column; align-items: flex-end; gap: 12px; flex: none; }
.cta-actions .note { font-size: .95rem; }
@media (max-width: 820px) { .cta-inner { flex-direction: column; align-items: flex-start; padding-top: 56px; padding-bottom: 56px; } .cta-actions { align-items: flex-start; } }

/* ---------- Page header (inner pages) ---------- */
.page-hero { background: linear-gradient(180deg, #f3f9f5 0%, #ffffff 100%); border-bottom: 1px solid var(--line); padding: 64px 0 52px; }
.page-hero p { font-size: 1.15rem; max-width: 40em; margin: 0; }
.page-hero.is-empty { padding: 64px 0 120px; }
.page-hero.has-photo { position: relative; overflow: hidden; background: var(--green-900); border-bottom: 0; padding: 88px 0 80px; }
.page-hero.has-photo .page-hero-photo img { position: absolute; inset: 0; z-index: 0; width: 100%; height: 100%; object-fit: cover; object-position: 70% 50%; }
.page-hero.has-photo::before { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, rgba(8, 42, 33, .95) 0%, rgba(11, 59, 46, .86) 40%, rgba(11, 59, 46, .5) 70%, rgba(11, 59, 46, .3) 100%); }
.page-hero.has-photo .wrap { position: relative; z-index: 2; }
.page-hero.has-photo h1 { color: #fff; }
.page-hero.has-photo p { color: #d6ebe1; }
.page-hero.has-photo a { color: #fff; }
@media (max-width: 760px) { .page-hero.has-photo { padding: 56px 0 48px; } .page-hero.has-photo::before { background: linear-gradient(180deg, rgba(8, 42, 33, .9) 0%, rgba(11, 59, 46, .82) 100%); } }
@media (max-width: 600px) { .page-hero { padding: 44px 0 36px; } }

/* ---------- FAQ ---------- */
.faq-layout { display: grid; grid-template-columns: 1fr 320px; gap: 48px; align-items: start; }
.faq-list { display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; transition: border-color .15s, box-shadow .15s; }
.faq-item[open] { border-color: #b9d3c7; box-shadow: var(--shadow-sm); }
.faq-item summary { cursor: pointer; list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 22px; font-family: var(--font-head); font-weight: 700; font-size: 1.08rem; color: var(--ink); }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .pm { width: 30px; height: 30px; border-radius: 50%; background: var(--bg-soft); color: var(--green-700); display: grid; place-items: center; flex: none; transition: transform .2s, background-color .2s; }
.faq-item summary .pm svg { width: 16px; height: 16px; }
.faq-item[open] summary .pm { transform: rotate(45deg); background: var(--mint); }
.faq-answer { padding: 0 22px 20px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul { margin: 0 0 1em; padding-left: 1.3em; }
.faq-answer li { margin-bottom: .35em; }
.aside-card { position: sticky; top: 100px; background: var(--green-900); color: #d6ebe1; border-radius: var(--radius); padding: 28px; }
.aside-card h2 { color: #fff; font-size: 1.4rem; }
.aside-card p { font-size: 1rem; }
.aside-card .btn { width: 100%; }
.aside-card .contact-lines { margin-top: 18px; display: grid; gap: 8px; font-size: .95rem; }
.aside-card .contact-lines a { color: #fff; }
.aside-card a:not(.btn) { color: #fff; }
@media (max-width: 960px) { .faq-layout { grid-template-columns: 1fr; } .aside-card { position: static; } }

/* ---------- Apply form ---------- */
.apply-layout { display: grid; grid-template-columns: 1fr 380px; gap: 40px; align-items: start; }
.apply-side { align-self: stretch; display: flex; flex-direction: column; gap: 24px; } /* calculator, then "What happens next" (which stays in view while scrolling) */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow-sm); padding: 36px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 20px; }
.field { display: flex; flex-direction: column; gap: 7px; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; color: var(--ink); font-size: .98rem; }
.field .req { color: var(--danger); margin-left: 2px; }
.field .hint { font-size: .88rem; color: var(--muted); margin-top: -3px; }
.input, .field input[type="text"], .field input[type="email"], .field input[type="tel"] {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  background: #fff; border: 1.5px solid #c9d7d1; border-radius: 12px; padding: 13px 14px; min-height: 50px;
  transition: border-color .15s, box-shadow .15s;
}
.field input::placeholder { color: #8b9a95; }
.field input:hover { border-color: #9fb9ae; }
.field input:focus { outline: none; border-color: var(--green-700); box-shadow: 0 0 0 4px rgba(19, 119, 90, .14); }
.field.has-error input { border-color: var(--danger); }
.field .error { display: none; font-size: .88rem; color: var(--danger); font-weight: 500; }
.field.has-error .error { display: block; }
.money { position: relative; }
.money span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; pointer-events: none; }
.money input { padding-left: 30px !important; }

.file-drop { position: relative; border: 1.5px dashed #a9c3b8; border-radius: 14px; background: var(--bg-soft); padding: 18px; display: flex; align-items: center; gap: 14px; transition: border-color .15s, background-color .15s; }
.file-drop:hover { border-color: var(--green-700); background: #edf6f1; }
.file-drop.is-dragover { border-color: var(--green-700); background: var(--mint); }
.file-drop .ico { width: 44px; height: 44px; border-radius: 12px; background: #fff; border: 1px solid var(--line); color: var(--green-700); display: grid; place-items: center; flex: none; }
.file-drop .ico svg { width: 22px; height: 22px; }
.file-drop .file-text { display: flex; flex-direction: column; min-width: 0; }
.file-drop .file-text strong { color: var(--ink); font-weight: 600; font-size: .98rem; }
.file-drop .file-text span { font-size: .88rem; color: var(--muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.file-drop input[type="file"] { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; }
.file-drop.has-file { border-style: solid; border-color: var(--green-700); background: #fff; }
.file-drop.has-file .ico { background: var(--green-700); color: #fff; border-color: var(--green-700); }
.field.has-error .file-drop { border-color: var(--danger); background: var(--danger-bg); }
.file-drop:focus-within { box-shadow: 0 0 0 4px rgba(19, 119, 90, .18); border-color: var(--green-700); }

.size-meter { grid-column: 1 / -1; display: flex; align-items: center; gap: 12px; font-size: .9rem; color: var(--muted); }
.size-meter .bar { flex: 1; height: 8px; border-radius: 99px; background: var(--line); overflow: hidden; }
.size-meter .bar i { display: block; height: 100%; width: 0; background: var(--green-700); border-radius: 99px; transition: width .2s; }
.size-meter.is-over .bar i { background: var(--danger); }
.size-meter.is-over { color: var(--danger); font-weight: 600; }

.form-alert { grid-column: 1 / -1; display: none; border-radius: 12px; padding: 14px 16px; font-size: .95rem; }
.form-alert.is-visible { display: block; }
.form-alert.error { background: var(--danger-bg); color: var(--danger); border: 1px solid #fecdca; }
.form-alert ul { margin: 6px 0 0; padding-left: 20px; }

.form-actions { grid-column: 1 / -1; display: flex; flex-wrap: wrap; align-items: center; gap: 14px 22px; margin-top: 6px; }
.form-actions .secure { display: inline-flex; align-items: center; gap: 8px; font-size: .9rem; color: var(--muted); }
.form-actions .secure svg { width: 18px; height: 18px; color: var(--green-700); }
.progress { grid-column: 1 / -1; display: none; }
.progress.is-visible { display: block; }
.progress .bar { height: 10px; border-radius: 99px; background: var(--line); overflow: hidden; }
.progress .bar i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--green-700), var(--green-600)); transition: width .2s; }
.progress p { margin: 8px 0 0; font-size: .92rem; color: var(--muted); }
.hidden-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

.side-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; }
.side-steps li { display: flex; gap: 14px; }
.side-steps .n { width: 32px; height: 32px; border-radius: 50%; background: var(--gold); color: var(--ink); font-family: var(--font-head); font-weight: 800; display: grid; place-items: center; flex: none; font-size: .95rem; }
.side-steps strong { color: #fff; display: block; font-family: var(--font-head); }
.side-steps span { font-size: .95rem; }
.docs-needed { margin-top: 24px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .14); }
.docs-needed h3 { color: #fff; font-size: 1.05rem; margin-bottom: 10px; }
.docs-needed ul { margin: 0; padding-left: 20px; }

/* Advance calculator */
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 26px; scroll-margin-top: 100px; }
.calc-logo { width: 210px; height: auto; margin-bottom: 18px; }
.calc-card h2 { font-size: 1.4rem; margin-bottom: 4px; }
.calc-intro { font-size: .95rem; color: var(--muted); margin-bottom: 16px; }
.calc-deals { border: 0; margin: 0 0 18px; padding: 0; min-width: 0; display: grid; gap: 8px; }
.calc-deals legend { font-weight: 600; color: var(--ink); font-size: .98rem; padding: 0; margin-bottom: 8px; }
.calc-deal { position: relative; display: block; cursor: pointer; }
.calc-deal input { position: absolute; left: 24px; top: 50%; opacity: 0; width: 1px; height: 1px; margin: 0; pointer-events: none; } /* the real radio button, drawn as the circle below */
.calc-deal .tile { position: relative; display: block; border: 1.5px solid #c9d7d1; border-radius: 12px; padding: 10px 14px 10px 44px; font-size: .92rem; line-height: 1.35; color: var(--muted); transition: border-color .15s, background-color .15s, box-shadow .15s; }
.calc-deal .tile strong { display: block; color: var(--ink); font-size: .98rem; }
.calc-deal .tile::before { content: ""; position: absolute; left: 14px; top: 50%; width: 20px; height: 20px; margin-top: -10px; border-radius: 50%; border: 2px solid #9fb9ae; background: #fff; box-sizing: border-box; }
.calc-deal:hover .tile { border-color: #9fb9ae; }
.calc-deal input:checked + .tile { border-color: var(--green-700); background: var(--mint); }
.calc-deal input:checked + .tile::before { border: 6px solid var(--green-700); }
.calc-deal input:focus-visible + .tile { box-shadow: 0 0 0 4px rgba(19, 119, 90, .18); border-color: var(--green-700); }
.calc-results { margin-top: 18px; background: var(--bg-soft); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; }
.calc-prompt { margin: 0; font-size: .95rem; color: var(--muted); }
.calc-numbers { margin: 0; }
.calc-row { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; column-gap: 12px; padding: 8px 0; }
.calc-row + .calc-row { border-top: 1px solid var(--line); }
.calc-row dt { font-weight: 600; color: var(--ink); font-size: .98rem; }
.calc-row dd { margin: 0; font-family: var(--font-head); font-weight: 800; color: var(--ink); font-size: 1.25rem; font-variant-numeric: tabular-nums; }
/* "You receive" sits above the amount, and the funding promise sits to the right of the amount (below it if there's no room) */
.calc-row.is-main { display: block; }
.calc-row.is-main dt { margin-bottom: 2px; }
.calc-row.is-main dd { display: flex; flex-wrap: wrap; align-items: center; column-gap: 14px; row-gap: 2px; color: var(--green-800); }
.calc-amount { font-size: 1.75rem; line-height: 1.25; white-space: nowrap; }
.calc-when { flex: 1 1 8.5em; font-family: var(--font-body); font-size: .86rem; font-weight: 600; line-height: 1.3; color: var(--green-800); }
.calc-note { margin: 8px 0 0; padding-top: 10px; border-top: 1px solid var(--line); font-size: .9rem; line-height: 1.45; }
.calc-fine { margin: 12px 0 0; font-size: .84rem; color: var(--muted); line-height: 1.45; }

/* Phones and tablets: calculator first, then the form, then "What happens next" */
@media (max-width: 960px) {
  .apply-layout { grid-template-columns: 1fr; }
  .apply-side { display: contents; }
  .apply-layout .calc-card { order: -1; }
  .apply-layout .aside-card { order: 1; }
}
@media (max-width: 640px) { .calc-card { padding: 22px 18px; } }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .form-card { padding: 24px 18px; border-radius: 18px; } .form-actions .btn { width: 100%; } }

/* ---------- Long-form text (privacy policy) ---------- */
.prose { max-width: 760px; }
.prose h2 { font-size: 1.5rem; margin: 2.2em 0 .6em; }
.prose h2:first-of-type { margin-top: 1.6em; }
.prose p, .prose li { font-size: 1.05rem; }
.prose ul { padding-left: 1.3em; margin: 0 0 1em; }
.prose li { margin-bottom: .5em; }
.prose ul.plain { list-style: none; padding-left: 0; }
.prose ul.plain li { margin-bottom: .3em; }
.prose strong { color: var(--ink); }
.form-note { grid-column: 1 / -1; margin: 0; font-size: .9rem; color: var(--muted); }

/* ---------- Thank you / 404 ---------- */
.center-card { max-width: 640px; margin: 0 auto; text-align: center; }
.center-card .big-ico { width: 84px; height: 84px; border-radius: 50%; background: var(--mint); color: var(--green-700); display: grid; place-items: center; margin: 0 auto 22px; }
.center-card .big-ico svg { width: 42px; height: 42px; }
.center-card .actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px; margin-top: 26px; }

/* ---------- Footer ---------- */
.site-footer { background: #082a21; color: #b9d3c7; padding: 64px 0 28px; font-size: .97rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.footer-brand img { height: 40px; width: auto; margin-bottom: 16px; }
.footer-brand .footer-tagline { font-family: var(--font-head); font-weight: 700; font-size: .8rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); margin: -4px 0 12px; }
.footer-brand p { max-width: 26em; margin: 0; }
.site-footer h2 { font-family: var(--font-head); color: #fff; font-size: 1rem; letter-spacing: 0; margin-bottom: 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer a { color: #e6f2ec; text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: underline; }
.footer-contact li { display: flex; align-items: center; gap: 10px; }
.footer-contact svg { width: 18px; height: 18px; color: var(--gold); flex: none; }
.footer-bottom { margin-top: 48px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .1); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .9rem; color: #8fb3a4; }
.site-footer .ph { background: #ffe3ee; color: var(--ph-text); }
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr; gap: 32px; } }