/* =========================================================
   Acqua Frame v2 — denser match to acquafunding.com
   Deep navy product cards · checklists · bold headlines
   ========================================================= */
/* Palette from 8840 / recr-casper-style (Casper visual language)
   espresso · ivory · bronze · gold */
:root {
  --navy: #2a2218;
  --navy-card: #3d3226;
  --navy-deep: #1c1814;
  --navy-ink: #18140f;
  --blue: #715c41;          /* bronze primary (mapped from --green) */
  --blue-hot: #8a7050;
  --blue-soft: rgba(113, 92, 65, 0.14);
  --gold: #c4a35a;
  --gold-soft: rgba(196, 163, 90, 0.16);
  /* Third accent — warm copper from construction timber / header wood tones */
  --copper: #d4894a;
  --copper-hot: #e09a5c;
  --copper-soft: rgba(212, 137, 74, 0.14);
  --sky: #e6e0d4;
  --white: #ffffff;
  --off: #f6f2ea;           /* ivory */
  --gray-section: #e6e0d4;
  --body: #1c1814;
  --muted: #5a5248;
  --line: rgba(113, 92, 65, 0.2);
  --shadow: 0 14px 40px rgba(42, 34, 24, 0.1);
  --shadow-lg: 0 28px 70px rgba(42, 34, 24, 0.14);
  --radius: 14px;
  --radius-sm: 10px;
  --header-top-h: 42px;
  --header-main-h: 72px;
  --header-top-h-scrolled: 38px;   /* gentle shrink — dreamy, not snappy */
  --header-main-h-scrolled: 64px;
  --header-h: calc(var(--header-top-h) + var(--header-main-h));
  --header-h-scrolled: calc(var(--header-top-h-scrolled) + var(--header-main-h-scrolled));
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --max: 1200px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-drift: cubic-bezier(0.25, 0.85, 0.3, 1);
  --dur-header: 0.65s;
  --dur-phone: 0.9s; /* ~50% slower than 0.4s — drifting slide */
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--body);
  background: var(--off);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.container { width: min(var(--max), calc(100% - 2.5rem)); margin-inline: auto; }

/* —— Reveal —— */
.reveal {
  opacity: 0;
  transform: translateY(40px) scale(0.98);
  transition: opacity 0.75s var(--ease), transform 0.9s var(--ease);
  will-change: opacity, transform;
}
.reveal.is-in { opacity: 1; transform: translateY(0) scale(1); }
.reveal-delay-1 { transition-delay: 0.07s; }
.reveal-delay-2 { transition-delay: 0.14s; }
.reveal-delay-3 { transition-delay: 0.21s; }
.reveal-delay-4 { transition-delay: 0.28s; }
.reveal-delay-5 { transition-delay: 0.35s; }
.reveal-left {
  opacity: 0; transform: translateX(-32px);
  transition: opacity 0.75s var(--ease), transform 0.9s var(--ease);
}
.reveal-left.is-in { opacity: 1; transform: none; }
.reveal-right {
  opacity: 0; transform: translateX(32px);
  transition: opacity 0.75s var(--ease), transform 0.9s var(--ease);
}
.reveal-right.is-in { opacity: 1; transform: none; }
.reveal-scale {
  opacity: 0; transform: scale(0.94);
  transition: opacity 0.7s var(--ease), transform 0.85s var(--ease);
}
.reveal-scale.is-in { opacity: 1; transform: scale(1); }
/* Stage 12: avoid horizontal page overflow from lateral reveal transforms on narrow viewports */
@media (max-width: 899px) {
  .reveal-left,
  .reveal-right {
    transform: translateY(24px);
  }
  .reveal-left.is-in,
  .reveal-right.is-in {
    transform: none;
  }
  .section,
  .container {
    max-width: 100%;
  }
}
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal-left, .reveal-right, .reveal-scale {
    opacity: 1 !important; transform: none !important; transition: none !important;
  }
}

/* —— Header: West Forest layout (top utility + main nav) ——
   Top bar: phone RIGHT with live tel + ringing icon
   Main bar: logo LEFT, menu items RIGHT
*/
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  display: flex;
  flex-direction: column;
  box-shadow: 0 2px 12px rgba(42, 34, 24, 0.1);
}

/* TOP BAR — dark slate; phone CENTER at rest, FAR RIGHT while scrolling */
.header-top {
  height: var(--header-top-h);
  background: #3a3f45;
  color: #fff;
  transition: height var(--dur-header) var(--ease-drift);
  position: relative;
  width: 100%;
}
.header-top-inner {
  /* full-width positioning context for true screen center / far-right */
  height: 100%;
  width: 100%;
  max-width: none;
  margin: 0;
  position: relative;
  display: block;
}
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  white-space: nowrap;
  text-decoration: none;
  color: #fff;
  font-size: 0.95rem;
  line-height: 1;
  /* Centered on screen at rest; drifts to far right on scroll.
     Only left+transform (no right:auto) so the tween never jumps. */
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate3d(-50%, -50%, 0);
  transition:
    left var(--dur-phone) var(--ease-drift),
    transform var(--dur-phone) var(--ease-drift),
    font-size var(--dur-header) var(--ease-drift);
  will-change: left, transform;
  backface-visibility: hidden;
}
/* Scrolled: same properties only — left + transform (no right:auto) */
.site-header.is-scrolled .header-phone {
  left: calc(100% - 1.5rem);
  transform: translate3d(-100%, -50%, 0);
}
.header-phone-label {
  font-weight: 500;
  color: rgba(255, 255, 255, 0.92);
}
.header-phone-num {
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--copper);
  transition: color 0.25s ease;
}
/* Ring on a child only — never on .header-phone transform (avoids fight with slide) */
.header-phone-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--copper);
  margin-left: 0.15rem;
  transform-origin: 70% 30%;
  animation: none;
}
.site-header:not(.is-scrolled) .header-phone-icon {
  animation: phone-ring 2s ease-in-out infinite;
}
.header-phone:hover .header-phone-num,
.header-phone:hover .header-phone-icon {
  color: var(--copper-hot);
}
@keyframes phone-ring {
  0%, 100% { transform: rotate(0deg); }
  8% { transform: rotate(12deg); }
  16% { transform: rotate(-10deg); }
  24% { transform: rotate(9deg); }
  32% { transform: rotate(-7deg); }
  40% { transform: rotate(4deg); }
  48%, 100% { transform: rotate(0deg); }
}
@media (prefers-reduced-motion: reduce) {
  .header-phone {
    transition: none;
    will-change: auto;
  }
  .header-top,
  .header-main,
  .logo-mark,
  .logo-name,
  .nav-desktop > a,
  .nav-item > button {
    transition: none !important;
  }
  .site-header:not(.is-scrolled) .header-phone-icon {
    animation: none;
  }
}

/* MAIN BAR — light, logo left, menu right */
.header-main {
  height: var(--header-main-h);
  background: #fff;
  border-bottom: 1px solid var(--line);
  transition: height var(--dur-header) var(--ease-drift);
}
.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  gap: 1rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}
.logo-mark {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(145deg, var(--copper) 0%, var(--gold) 40%, var(--blue) 100%);
  color: #fff;
  font-weight: 800;
  font-size: 0.8rem;
  letter-spacing: 0.04em;
  display: grid;
  place-items: center;
  transition:
    width var(--dur-header) var(--ease-drift),
    height var(--dur-header) var(--ease-drift),
    font-size var(--dur-header) var(--ease-drift);
}
.logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.logo-name {
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
  transition: font-size var(--dur-header) var(--ease-drift);
}
.logo-sub {
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  transition: font-size var(--dur-header) var(--ease-drift), opacity var(--dur-header) ease;
}

/* Menu sits to the right of logo (WFC: logo | nav items) */
.nav-desktop {
  display: none;
  align-items: center;
  gap: 0.05rem;
  margin-left: auto;
}
.nav-desktop > a,
.nav-item > button {
  appearance: none;
  border: 0;
  background: transparent;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--body);
  padding: 0.55rem 0.7rem;
  border-radius: 0;
  transition:
    color 0.25s ease,
    font-size var(--dur-header) var(--ease-drift),
    padding var(--dur-header) var(--ease-drift);
}
.nav-desktop > a:hover,
.nav-item > button:hover {
  color: var(--copper);
}
.nav-desktop > a[aria-current="page"] {
  color: var(--copper);
  font-weight: 700;
  background: transparent;
}
.nav-item { position: relative; }

/* Scrolled: soft shrink only (dreamy, not a hard fold) */
.site-header.is-scrolled .header-top {
  height: var(--header-top-h-scrolled);
}
.site-header.is-scrolled .header-main {
  height: var(--header-main-h-scrolled);
}
.site-header.is-scrolled .logo-mark {
  width: 40px;
  height: 40px;
  font-size: 0.74rem;
}
.site-header.is-scrolled .logo-name {
  font-size: 0.94rem;
}
.site-header.is-scrolled .logo-sub {
  font-size: 0.58rem;
  opacity: 0.92;
}
.site-header.is-scrolled .nav-desktop > a,
.site-header.is-scrolled .nav-item > button {
  font-size: 0.86rem;
  padding: 0.48rem 0.62rem;
}
.site-header.is-scrolled .header-phone {
  font-size: 0.9rem;
}

.header-phone--mobile {
  display: flex;
  position: static;
  transform: none;
  justify-content: center;
  padding: 0.9rem 1rem;
  border-radius: 12px;
  background: var(--navy);
  border: 0;
  will-change: auto;
}
.header-phone--mobile .header-phone-label {
  color: rgba(255, 255, 255, 0.9);
}
.header-phone--mobile .header-phone-icon {
  animation: none; /* no ring in mobile drawer */
}
.nav-item > button::after {
  content: ""; display: inline-block; width: 0; height: 0;
  margin-left: 0.35rem; vertical-align: middle; opacity: 0.55;
  border-left: 4px solid transparent; border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
}
.mega, .dropdown {
  display: none; position: absolute; top: calc(100% + 0.35rem); left: 0;
  min-width: 280px; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: var(--shadow); padding: 0.45rem; z-index: 50;
}
.mega { min-width: 340px; }
.nav-item:hover .mega, .nav-item:focus-within .mega,
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown { display: grid; }
.mega a, .dropdown a {
  display: block; padding: 0.7rem 0.85rem; border-radius: 8px;
}
.mega a strong { display: block; font-size: 0.88rem; color: var(--navy-ink); }
.mega a span { display: block; font-size: 0.75rem; color: var(--muted); margin-top: 0.15rem; }
.mega a:hover, .dropdown a:hover { background: var(--sky); }
.menu-toggle {
  margin-left: auto;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  display: grid;
  place-content: center;
  gap: 5px;
  cursor: pointer;
}
.menu-toggle span {
  display: block;
  width: 36px;
  height: 2px;
  background: var(--navy);
}
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--header-h);
  right: 0;
  bottom: 0;
  left: 0;
  background: rgba(246, 242, 234, 0.98);
  padding: 1.25rem;
  overflow: auto;
  z-index: 90;
  flex-direction: column;
  gap: 0.35rem;
}
.site-header.is-scrolled ~ .mobile-nav,
.site-header.scrolled ~ .mobile-nav,
.site-header.nav-scroll ~ .mobile-nav {
  top: var(--header-h-scrolled);
}
.mobile-nav.is-open { display: flex; }
.mobile-nav a {
  padding: 0.85rem 1rem;
  border-radius: 10px;
  font-weight: 600;
  border: 1px solid var(--line);
}
.mobile-nav a.btn { text-align: center; border: 0; }
.mobile-nav a.header-phone {
  border: 0;
  color: #fff;
}
@media (min-width: 1024px) {
  .nav-desktop { display: flex; }
  .menu-toggle { display: none; }
  .mobile-nav { display: none !important; }
}

/* Client pitch: Offer (plain) + Nexus (bright green CTA) — same pattern as FCR mock-up 1 */
.nav-desktop > a.nexus-nav-btn,
.mobile-nav a.nexus-nav-btn,
a.nexus-nav-btn {
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  background: #3DFF8A !important;
  color: #04351C !important;
  padding: 0.5rem 1.05rem !important;
  border-radius: 999px !important;
  font-size: 0.88rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.08em !important;
  text-transform: none !important;
  line-height: 1.2 !important;
  text-decoration: none !important;
  box-shadow: 0 0 0 2px rgba(4, 53, 28, 0.12), 0 0 22px rgba(61, 255, 138, 0.55);
  white-space: nowrap;
}
.nav-desktop > a.nexus-nav-btn:hover,
.mobile-nav a.nexus-nav-btn:hover,
a.nexus-nav-btn:hover {
  background: #6BFFA8 !important;
  color: #04351C !important;
  transform: translateY(-1px) scale(1.03);
}
.site-header.is-scrolled .nav-desktop > a.nexus-nav-btn {
  font-size: 0.82rem !important;
  padding: 0.42rem 0.9rem !important;
}
.mobile-nav a.nexus-nav-btn {
  margin: 0.35rem 0;
  text-align: center;
}

/* Brokerage — soft solid orange CTA */
.nav-desktop > a.brokerage-nav-btn,
.mobile-nav a.brokerage-nav-btn,
a.brokerage-nav-btn {
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  background: #E07A3A !important;
  color: #fff !important;
  padding: 0.5rem 1.05rem !important;
  border-radius: 999px !important;
  font-size: 0.88rem !important;
  font-weight: 900 !important;
  letter-spacing: 0.06em !important;
  text-transform: none !important;
  line-height: 1.2 !important;
  text-decoration: none !important;
  border: 0 !important;
  box-shadow: 0 1px 6px rgba(180, 90, 30, 0.22);
  white-space: nowrap;
}
/* Real gap between the two pills (text links get space from padding; pills need margin) */
.nav-desktop > a.nexus-nav-btn {
  margin-left: 0.25rem;
}
.nav-desktop > a.nexus-nav-btn + a.brokerage-nav-btn {
  margin-left: 0.65rem;
}
.nav-desktop > a.brokerage-nav-btn:hover,
.mobile-nav a.brokerage-nav-btn:hover,
a.brokerage-nav-btn:hover {
  background: #E98D52 !important;
  color: #fff !important;
  transform: translateY(-1px) scale(1.02);
}
.site-header.is-scrolled .nav-desktop > a.brokerage-nav-btn {
  font-size: 0.82rem !important;
  padding: 0.42rem 0.9rem !important;
}
.mobile-nav a.brokerage-nav-btn {
  margin: 0.35rem 0;
  text-align: center;
}

/* —— Buttons —— */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  padding: 0.85rem 1.4rem; border-radius: 8px; font-weight: 700; font-size: 0.9rem;
  border: 2px solid transparent;
  transition: transform 0.2s var(--ease), box-shadow 0.2s, background 0.2s, color 0.2s;
  cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 10px 24px rgba(42, 34, 24, 0.22);
  border-radius: 999px;
}
.btn-primary:hover {
  background: var(--blue-hot);
  box-shadow: 0 14px 30px rgba(42, 34, 24, 0.28);
}
.btn-ghost {
  background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.45);
  border-radius: 999px;
}
.btn-ghost:hover { background: rgba(255, 255, 255, 0.1); }
.btn-outline {
  background: #fff; color: var(--navy); border-color: var(--line); border-radius: 999px;
}
.btn-outline:hover { border-color: var(--blue); color: var(--blue); }
.btn-white {
  background: #fff; color: var(--navy); box-shadow: var(--shadow); border-radius: 8px;
}
.btn-card {
  width: 100%; margin-top: auto;
  background: transparent; color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.55);
  border-radius: 8px; padding: 0.75rem 1rem;
}
.btn-card:hover { background: rgba(255, 255, 255, 0.1); border-color: #fff; }
.btn-card-dark {
  width: 100%; margin-top: auto;
  background: var(--navy-ink); color: #fff; border: 0; border-radius: 8px;
  padding: 0.85rem 1rem;
}
.btn-card-dark:hover { background: var(--blue); }

/* —— Hero —— */
.hero {
  position: relative;
  min-height: clamp(520px, 78vh, 700px);
  display: flex;
  /* Sit content lower (~20% toward bottom path row) so H1→chips read as one lower block */
  align-items: flex-end;
  color: #fff;
  overflow: hidden;
  text-align: left;
  background:
    linear-gradient(115deg, rgba(42, 34, 24, 0.92) 0%, rgba(61, 50, 38, 0.78) 45%, rgba(42, 34, 24, 0.55) 100%),
    url("../img/hero-video-poster.jpg") center/cover no-repeat;
}
/* Program pages — same full-bleed hero treatment as landing */
.hero--program {
  min-height: clamp(520px, 78vh, 700px);
  background:
    linear-gradient(115deg, rgba(42, 34, 24, 0.92) 0%, rgba(61, 50, 38, 0.78) 45%, rgba(42, 34, 24, 0.55) 100%),
    url("../img/fix-and-flip-poster.jpg") center/cover no-repeat;
}
.hero--program .hero-video {
  object-fit: cover;
  object-position: center center;
}
/* Full-bleed stitched header video (pt1+pt2, 25% slower, crossfaded join) */
.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
}
.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
}
/*
 * Hero readability — surgical tan panels ONLY behind:
 *   1) lead paragraph (100% / guts)
 *   2) support line
 * H1 stays white over the video. No panel behind CTAs or path chips.
 */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background:
    linear-gradient(
      90deg,
      rgba(28, 22, 16, 0.28) 0%,
      rgba(28, 22, 16, 0.1) 40%,
      transparent 65%
    ),
    linear-gradient(
      180deg,
      rgba(20, 14, 8, 0.15) 0%,
      transparent 28%,
      transparent 72%,
      rgba(20, 14, 8, 0.22) 100%
    );
}
.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  /* ~20% taller than prior 160–260 band → dreamier blend into cream */
  height: clamp(192px, 31vh, 312px);
  z-index: 1;
  pointer-events: none;
  background: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(246, 242, 234, 0.08) 30%,
    rgba(246, 242, 234, 0.22) 55%,
    rgba(246, 242, 234, 0.55) 78%,
    rgba(246, 242, 234, 0.88) 92%,
    var(--off) 100%
  );
}
@media (prefers-reduced-motion: reduce) {
  .hero-video { display: none; }
}
/* Comfortable inset from the left — block sits low in the frame */
.hero-inner {
  position: relative;
  z-index: 2; /* above .hero::after haze so path pills stay as clear as CTAs */
  width: 100%;
  max-width: 1180px;
  margin: 0;
  /* Extra top air (~20% lower than centered); tight bottom so path chips clear the fade */
  padding:
    clamp(6rem, 14vh, 9rem)
    clamp(1.5rem, 4vw, 2.5rem)
    clamp(3.25rem, 7vh, 4.5rem)
    clamp(2.75rem, 9vw, 6.5rem);
  text-align: left;
}
/* Shared button chrome: lightest black hairline + soft lift shadow */
.hero .btn-primary,
.hero .btn-ghost,
.hero .btn-product {
  border: 1.5px solid rgba(0, 0, 0, 0.28);
  box-shadow:
    0 1px 0 rgba(0, 0, 0, 0.1),
    0 4px 10px rgba(0, 0, 0, 0.12),
    0 10px 22px rgba(0, 0, 0, 0.14);
  transform: translateY(-2px);
  transition: background 0.2s, border-color 0.2s, box-shadow 0.2s, transform 0.2s, color 0.2s;
}
.hero .btn-primary:hover,
.hero .btn-ghost:hover,
.hero .btn-product:hover {
  transform: translateY(-3px);
  box-shadow:
    0 1px 0 rgba(0, 0, 0, 0.12),
    0 6px 14px rgba(0, 0, 0, 0.14),
    0 14px 28px rgba(0, 0, 0, 0.16);
  border-color: rgba(0, 0, 0, 0.36);
}
.hero-copy {
  max-width: 34rem;
  background: none;
  border: 0;
  box-shadow: none;
  backdrop-filter: none;
  padding: 0;
}
/* Small tan glass only where body copy needs it */
.hero-text-panel {
  display: block;
  width: fit-content;
  max-width: 100%;
  margin: 0 0 1.15rem;
  padding: 0.7rem 0.95rem;
  border-radius: 12px;
  background: rgba(230, 216, 192, 0.55); /* light tan ~55% */
  border: 1px solid rgba(255, 248, 236, 0.45);
  backdrop-filter: blur(10px) saturate(1.04);
  -webkit-backdrop-filter: blur(10px) saturate(1.04);
  box-shadow:
    0 8px 24px rgba(20, 14, 8, 0.18),
    inset 0 1px 0 rgba(255, 255, 255, 0.3);
  color: #000;
  text-shadow: none;
}
.hero-text-panel.support-line {
  margin: 1rem 0 0;
  padding: 0.55rem 0.85rem;
  font-size: 0.92rem;
  line-height: 1.4;
}
.eyebrow {
  display: inline-block; font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); margin-bottom: 1rem;
}
/*
 * H1 — warm gold + lightest black hairline outline (1px, low alpha)
 * so pale video frames never erase the type.
 */
.hero h1 {
  margin: 0 0 1rem; font-size: clamp(2.05rem, 4.2vw, 3.25rem);
  line-height: 1.08; letter-spacing: -0.03em; font-weight: 800;
  text-align: left;
  color: #d4b978;
  text-shadow:
    /* lightest black outline — 8 directions, 1px, soft alpha */
    -1px 0 0 rgba(0, 0, 0, 0.28),
    1px 0 0 rgba(0, 0, 0, 0.28),
    0 -1px 0 rgba(0, 0, 0, 0.28),
    0 1px 0 rgba(0, 0, 0, 0.28),
    -1px -1px 0 rgba(0, 0, 0, 0.2),
    1px -1px 0 rgba(0, 0, 0, 0.2),
    -1px 1px 0 rgba(0, 0, 0, 0.2),
    1px 1px 0 rgba(0, 0, 0, 0.2),
    /* quiet gold bloom under the outline */
    0 0 18px rgba(196, 163, 90, 0.28),
    0 2px 12px rgba(0, 0, 0, 0.18);
}
.hero p.lead {
  margin: 0 0 1.15rem;
  font-size: clamp(0.98rem, 1.45vw, 1.1rem);
  color: #000;
  text-align: left;
  line-height: 1.5;
  text-shadow: none;
}
.hero p.lead.hero-text-panel {
  margin-bottom: 1.15rem;
}
.hero p.lead strong {
  color: #000;
  font-weight: 700;
}
.hero .support-line {
  color: #000;
  text-shadow: none;
}
.hero-actions {
  display: flex; flex-wrap: wrap; gap: 0.75rem;
  justify-content: flex-start;
  margin: 0; /* no panel — buttons float on video */
  background: none;
  padding: 0;
  border: 0;
  box-shadow: none;
}
/* Primary — same warm gold as hero H1 (#d4b978); outline/lift from shared rule */
.hero .btn-primary {
  background: #d4b978;
  color: #1c1814;
  font-weight: 700;
}
.hero .btn-primary:hover {
  background: #e0c68a;
  color: #1c1814;
}
/* Secondary — solid ivory chip; outline/lift from shared rule */
.hero .btn-ghost {
  background: rgba(255, 250, 240, 0.96);
  color: #1c1814;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.hero .btn-ghost:hover {
  background: #fff;
  color: #1c1814;
}
/* Path stage pills — no tray; each chip is self-contained */
.hero-product-btns {
  display: flex;
  flex-wrap: nowrap;
  gap: 0.5rem;
  margin-top: 1.5rem;
  justify-content: flex-start;
  align-items: center;
  width: max-content;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding: 0.15rem 0 0.35rem; /* room for lift shadow */
  background: none;
  border: 0;
  box-shadow: none;
  backdrop-filter: none;
  border-radius: 0;
}
.hero-product-btns::-webkit-scrollbar { display: none; }
.hero .btn-product,
.btn-product {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  padding: 0.65rem 1rem;
  border-radius: 999px;
  /* Match Submit / Explore opacity — solid cream, not washed by haze */
  background: rgba(255, 250, 240, 0.96);
  color: #1c1814;
  font-weight: 600;
  font-size: 0.84rem;
  line-height: 1.1;
  opacity: 1;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  /* border + lift shadow applied via .hero shared button chrome above */
  white-space: nowrap;
  flex: 0 0 auto;
}
/* Keep path row above any residual hero wash */
.hero-product-btns {
  position: relative;
  z-index: 3;
  opacity: 1;
}
.hero .btn-product {
  opacity: 1;
  background: rgba(255, 250, 240, 0.96); /* same as .hero .btn-ghost */
}
.btn-product svg,
.btn-product .btn-product-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: #3d3226;
  fill: currentColor;
  display: block;
  opacity: 1;
}
.btn-product span { color: #1c1814; }
.btn-product:hover {
  background: #fff;
  color: #1c1814;
}
.hero .btn-product:hover {
  /* keep light black outline; lift comes from shared .hero button chrome */
  border-color: rgba(0, 0, 0, 0.36);
}
.btn-product:hover svg,
.btn-product:hover .btn-product-icon,
.btn-product:hover span { color: #1c1814; }
@media (min-width: 1100px) {
  .btn-product {
    padding: 0.7rem 1.1rem;
    font-size: 0.88rem;
  }
  .btn-product svg,
  .btn-product .btn-product-icon { width: 20px; height: 20px; }
}

/* —— Offer ticker (see also inline #offer-ticker-critical) —— */
.offer-ticker {
  position: relative;
  background: var(--off);
  overflow: hidden;
  padding: 1.35rem 0 1.65rem;
  border: 0;
  box-shadow: none;
  z-index: 2;
  margin-top: -1px;
}
.offer-ticker__mask {
  overflow: hidden;
  width: 100%;
}
.offer-ticker__track {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: center;
  width: max-content;
  animation: ot-scroll 48s linear infinite;
}
.offer-ticker__group {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: center;
  gap: 4.5rem;
  padding-right: 4.5rem;
  flex: 0 0 auto;
}
.ot-item {
  display: inline-flex;
  align-items: center;
  gap: 1.1rem;
  flex: 0 0 auto;
  color: #a68b4b;
  white-space: nowrap;
  pointer-events: none;
  user-select: none;
}
.ot-label {
  font-size: 1.75rem;
  font-weight: 400;
  letter-spacing: 0.055em;
  color: #a68b4b;
  line-height: 1;
}
.ot-ico {
  width: 36px;
  height: 36px;
  flex: 0 0 36px;
  display: block;
  fill: currentColor;
  color: #a68b4b;
}
@keyframes ot-scroll {
  from { transform: translate3d(0, 0, 0); }
  to { transform: translate3d(-50%, 0, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .offer-ticker__track { animation: none; }
}
.section--after-ticker {
  background:
    linear-gradient(
      to bottom,
      var(--off) 0%,
      rgba(230, 224, 212, 0.45) 88px,
      var(--gray-section) 160px,
      var(--gray-section) 100%
    );
  padding-top: clamp(2.25rem, 5vh, 3.25rem);
}

/* RECR marketing typography helpers */
.claim-condition {
  margin: 0.85rem 0 1.15rem;
  font-size: 0.82rem;
  line-height: 1.45;
  color: rgba(246, 242, 234, 0.72);
  max-width: 36rem;
}
.support-line {
  margin: 1.1rem 0 0;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(246, 242, 234, 0.92);
  max-width: 34rem;
}
.path-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  margin-top: 1.25rem;
}
.path-pills span {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.4rem 0.7rem;
  border-radius: 999px;
  background: rgba(42, 34, 24, 0.32);
  border: 1px solid rgba(246, 242, 234, 0.2);
  color: #fffaf0;
}
.trust-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-top: 0;
}
@media (min-width: 720px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); }
}
.trust-grid .stat-card { margin: 0; }
/* Compact hover-flip trust tiles — front matches original .stat-card look */
.trust-grid--flip {
  align-items: stretch;
}
.trust-grid--flip .flip-card--trust {
  /* Absolute faces need explicit height; match original stat-card block size */
  min-height: 10.5rem;
  margin: 0;
  height: 100%;
}
.trust-grid--flip .flip-inner {
  min-height: inherit;
  height: 100%;
}
.flip-card--trust .flip-front,
.flip-card--trust .flip-back {
  /* Match .stat-card padding / face */
  padding: 1.5rem 1.55rem;
  box-shadow: var(--shadow);
}
.flip-card--trust .flip-front {
  background: #fff;
  border: 1px solid var(--line);
  justify-content: flex-start;
}
.flip-card--trust .flip-front strong {
  display: block;
  font-size: 1.7rem;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin-bottom: 0.25rem;
  font-weight: 800;
  line-height: 1.15;
}
.flip-card--trust .flip-front > span {
  display: block;
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.4;
}
/* Back: title only, centered */
.flip-card--trust .flip-back {
  justify-content: center;
  align-items: center;
  text-align: center;
}
.flip-card--trust .flip-back strong {
  display: block;
  margin: 0;
  font-size: 1.15rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.01em;
  line-height: 1.3;
}
.lead-inline { font-size: 1.05rem; color: var(--muted); margin: 0 0 1rem; }
.diagram {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  justify-content: center;
  align-items: stretch;
  margin: 1.75rem 0 1rem;
}
.diagram-node {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.85rem 1rem;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  box-shadow: 0 6px 18px rgba(42, 34, 24, 0.06);
}
.pull-quote {
  text-align: center;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  max-width: 40rem;
  margin: 0 auto;
  line-height: 1.45;
}
/* Deal-first split: left-align process chips + quote next to media */
.diagram--in-split {
  justify-content: flex-start;
  margin: 1.25rem 0 1rem;
}
.diagram--in-split .diagram-node {
  font-size: 0.82rem;
  padding: 0.7rem 0.85rem;
}
.pull-quote--in-split {
  text-align: left;
  max-width: none;
  margin: 0 0 0.25rem;
  font-size: 1.02rem;
}
/* Homepage story splits: larger media column, image on the right */
.split-media--lg {
  min-height: 400px;
  background-position: center;
  background-size: cover;
}
@media (min-width: 900px) {
  .split:has(.split-media--lg) {
    grid-template-columns: 0.95fr 1.15fr;
    align-items: stretch;
  }
  /* Image left: keep the wider column on the media side */
  .split.reverse:has(.split-media--lg) {
    grid-template-columns: 1.15fr 0.95fr;
  }
  .split-media--lg {
    min-height: 560px;
    align-self: stretch;
  }
}
@media (min-width: 1200px) {
  .split-media--lg {
    min-height: 600px;
  }
}

/* How It Works hero: copy left, money-tree video right — left column fits */
.how-it-works-hero {
  align-items: center;
}
.how-it-works-hero .split-body h1 {
  margin: 0.35rem 0 0.75rem;
  font-size: clamp(1.65rem, 3.2vw, 2.35rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.12;
  color: var(--navy);
}
.how-it-works-hero .split-body .lead-inline {
  margin: 0 0 0.85rem;
  font-size: 1rem;
  line-height: 1.5;
  max-width: 36rem;
}
.how-it-works-hero .split-body .verify {
  margin: 0;
  max-width: 34rem;
  font-size: 0.9rem;
  line-height: 1.45;
  padding-left: 0.85rem;
  border-left: 3px solid rgba(113, 92, 65, 0.35);
}
.how-it-works-hero .split-media {
  min-height: 280px;
}
@media (min-width: 900px) {
  .how-it-works-hero {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 2.25rem;
    align-items: center;
  }
  .how-it-works-hero .split-media,
  .how-it-works-hero .split-media--lg {
    min-height: 360px;
    max-height: 420px;
    align-self: center;
  }
  .how-it-works-hero .split-media video,
  .how-it-works-hero .split-media .split-media-video {
    min-height: 360px;
    max-height: 420px;
  }
}
.steps-5 { counter-reset: step; }
@media (min-width: 900px) {
  .steps-5 { grid-template-columns: repeat(5, 1fr); }
}
.hero h1 br { display: block; }
/* legacy alias */
.hero-chips { display: flex; flex-wrap: wrap; gap: 1.1rem; margin-top: 2rem; justify-content: flex-start; }
.hero-chip {
  padding: 0.55rem 0.95rem; border-radius: 999px;
  background: rgba(255, 255, 255, 0.1); border: 1px solid rgba(255, 255, 255, 0.18);
  font-size: 0.82rem; font-weight: 600; backdrop-filter: blur(6px);
  transition: background 0.2s, transform 0.2s;
}
.hero-chip:hover { background: rgba(255, 255, 255, 0.18); transform: translateY(-2px); }

.page-hero {
  background:
    linear-gradient(120deg, rgba(42, 34, 24, 0.94), rgba(61, 50, 38, 0.88)),
    url("../img/lifestyle.jpg") center/cover no-repeat;
  color: #fff; padding: 4rem 0 3.5rem;
  text-align: left;
}
.page-hero h1 {
  margin: 0.4rem 0 0.75rem; font-size: clamp(1.95rem, 3.6vw, 2.9rem);
  letter-spacing: -0.02em; line-height: 1.1;
}
.page-hero p { margin: 0; max-width: 42rem; color: rgba(255, 255, 255, 0.88); font-size: 1.05rem; }
.breadcrumb { font-size: 0.8rem; color: rgba(255, 255, 255, 0.65); }
.breadcrumb a:hover { color: #fff; }

/* —— Sections —— */
.section { padding: 4.75rem 0; }
/* In-page nav targets land below fixed header */
#funding-programs {
  scroll-margin-top: calc(var(--header-h) + 12px);
}
.section--soft { background: var(--off); }
.section--gray { background: var(--gray-section); }
/* Dark bands sparingly — soft bronze wash, not full espresso panels */
.section--navy {
  background: linear-gradient(160deg, #5c4a35 0%, var(--blue) 50%, #8a7050 100%);
  color: #fff;
}
.section--navy .muted { color: rgba(255, 255, 255, 0.82); }
.section-head { max-width: 720px; margin-bottom: 2.5rem; }
.section-head.center { text-align: center; margin-inline: auto; }
.section-head h2 {
  margin: 0.35rem 0 0.75rem;
  font-size: clamp(1.75rem, 3.2vw, 2.55rem);
  letter-spacing: -0.025em; line-height: 1.12; font-weight: 800; color: inherit;
}
.section--navy .section-head h2 { color: #fff; }
.muted { color: var(--muted); }
.section-head p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.section--navy .section-head p { color: rgba(255, 255, 255, 0.78); }

/* stats strip */
.stats {
  display: grid; grid-template-columns: 1fr; gap: 1rem;
  margin-top: -3.25rem; position: relative; z-index: 2;
}
.stat-card {
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 1.5rem 1.55rem; border: 1px solid var(--line);
}
.stat-card strong {
  display: block; font-size: 1.7rem; color: var(--navy);
  letter-spacing: -0.02em; margin-bottom: 0.25rem; font-weight: 800;
}
.stat-card span { color: var(--muted); font-size: 0.92rem; }
@media (min-width: 720px) { .stats { grid-template-columns: repeat(3, 1fr); } }

/* =========================================================
   DARK PRODUCT CARDS — Acqua-style dense panels
   ========================================================= */
.product-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.15rem;
}
@media (min-width: 720px) {
  .product-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .product-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 720px) {
  .product-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
}

/* =========================================================
   PROGRAM ZOOM — window-in-window
   8 cards collapse into ONE box that never exceeds the
   measured card-grid footprint. Bottom Learn More zooms out.
   ========================================================= */
.program-zoom-viewport {
  position: relative;
  isolation: isolate;
  /* JS locks height to the 8-card stage when zoomed */
  height: auto;
  overflow: hidden;
  border-radius: calc(var(--radius) + 2px);
}
.program-zoom-viewport.is-height-locked {
  /* Height set inline — no height transition (layout thrash / jank) */
  transition: none;
}
.program-zoom-layer {
  width: 100%;
}
.program-zoom-layer--grid {
  position: relative;
  z-index: 1;
  transform-origin: var(--zoom-ox, 50%) var(--zoom-oy, 40%);
  /* Opacity + transform only — blur was the main zoom jank */
  transition:
    opacity 0.32s var(--ease),
    transform 0.4s var(--ease),
    visibility 0s linear 0s;
  will-change: opacity, transform;
  backface-visibility: hidden;
}
.program-zoom-layer--detail {
  position: absolute;
  inset: 0;
  z-index: 2;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: scale(0.96);
  transform-origin: var(--zoom-ox, 50%) var(--zoom-oy, 40%);
  transition:
    opacity 0.35s var(--ease),
    transform 0.4s cubic-bezier(0.16, 1, 0.3, 1),
    visibility 0s linear 0.4s;
  display: flex;
  flex-direction: column;
  min-height: 0;
  will-change: opacity, transform;
  backface-visibility: hidden;
}

/* Zoomed: both layers fill the locked viewport; stage size stays put */
.program-zoom.is-zoomed .program-zoom-layer--grid {
  position: absolute;
  inset: 0;
  opacity: 0;
  transform: scale(0.97);
  pointer-events: none;
  visibility: hidden;
  overflow: hidden;
  transition:
    opacity 0.28s var(--ease),
    transform 0.36s var(--ease),
    visibility 0s linear 0.36s;
}
.program-zoom.is-zoomed .program-zoom-layer--detail {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: scale(1);
  transition:
    opacity 0.32s var(--ease),
    transform 0.4s cubic-bezier(0.16, 1, 0.3, 1),
    visibility 0s linear 0s;
}

/* Sibling cards peel away toward the source card */
.program-zoom.is-zooming-in [data-program-card] {
  transition:
    opacity 0.28s var(--ease),
    transform 0.32s var(--ease);
}
.program-zoom.is-zooming-in [data-program-card]:not(.is-zoom-source) {
  opacity: 0;
  transform: scale(0.96) translateY(6px);
}
.program-zoom.is-zooming-in [data-program-card]:nth-child(1):not(.is-zoom-source) { transition-delay: 0.02s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(2):not(.is-zoom-source) { transition-delay: 0.05s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(3):not(.is-zoom-source) { transition-delay: 0.08s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(4):not(.is-zoom-source) { transition-delay: 0.04s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(5):not(.is-zoom-source) { transition-delay: 0.07s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(6):not(.is-zoom-source) { transition-delay: 0.1s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(7):not(.is-zoom-source) { transition-delay: 0.06s; }
.program-zoom.is-zooming-in [data-program-card]:nth-child(8):not(.is-zoom-source) { transition-delay: 0.09s; }
.program-zoom.is-zooming-in [data-program-card].is-zoom-source {
  transform: scale(1.03);
  box-shadow: 0 22px 48px rgba(42, 34, 24, 0.2);
  border-color: rgba(196, 163, 90, 0.55);
  z-index: 2;
}

/* One large box — fills the locked window exactly */
.program-zoom-page {
  flex: 1 1 auto;
  min-height: 0;
  height: 100%;
  display: flex;
  flex-direction: column;
  background:
    radial-gradient(120% 70% at 50% 0%, rgba(196, 163, 90, 0.11), transparent 50%),
    linear-gradient(180deg, #fff 0%, var(--off) 100%);
  border: 1px solid rgba(113, 92, 65, 0.22);
  border-radius: calc(var(--radius) + 2px);
  box-shadow:
    0 18px 44px rgba(42, 34, 24, 0.12),
    0 0 0 1px rgba(255, 255, 255, 0.55) inset;
  overflow: hidden;
}
.program-zoom-page[hidden] { display: none !important; }

.program-zoom-page-scroll {
  flex: 1 1 auto;
  min-height: 0;
  /* No scrollbar — content keeps original sizing; window clips if ever overfull */
  overflow: hidden;
  padding: clamp(0.85rem, 1.8vw, 1.25rem) clamp(0.9rem, 2vw, 1.4rem) 0.75rem;
}

.program-zoom-hero {
  display: grid;
  gap: 0.85rem;
  align-items: center;
  margin-bottom: 0.85rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--line);
}
@media (min-width: 720px) {
  .program-zoom-hero {
    grid-template-columns: 1.25fr 0.75fr;
    gap: 1.15rem;
  }
}
.program-zoom-hero h2 {
  margin: 0.2rem 0 0.4rem;
  font-size: clamp(1.25rem, 2.4vw, 1.7rem);
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: var(--navy);
}
.program-zoom-hero .lead-inline {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.45;
}
.program-zoom-hero-media {
  border-radius: var(--radius-sm);
  overflow: hidden;
  border: 1px solid rgba(113, 92, 65, 0.15);
  aspect-ratio: 16 / 10;
  max-height: 140px;
  background: var(--navy-deep);
}
@media (min-width: 720px) {
  .program-zoom-hero-media { max-height: 160px; }
}
.program-zoom-hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* 6 concise essentials in a dense grid */
.program-zoom-essentials {
  list-style: none;
  margin: 0 0 0.85rem;
  padding: 0;
  display: grid;
  gap: 0.45rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) {
  .program-zoom-essentials { grid-template-columns: 1fr 1fr; gap: 0.5rem 0.85rem; }
}
.program-zoom-essentials li {
  margin: 0;
  padding: 0.55rem 0.7rem;
  font-size: 0.82rem;
  line-height: 1.35;
  color: var(--body);
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(113, 92, 65, 0.14);
  border-radius: 10px;
}
.program-zoom-essentials li strong {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.15rem;
}

.program-zoom-paths {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 0.75rem;
}
@media (min-width: 640px) {
  .program-zoom-paths { grid-template-columns: 1fr 1fr; }
}
.program-zoom-path {
  padding: 0.65rem 0.8rem;
  border-radius: 10px;
  background: rgba(246, 242, 234, 0.9);
  border: 1px solid rgba(113, 92, 65, 0.14);
}
.program-zoom-path h3 {
  margin: 0 0 0.25rem;
  font-size: 0.92rem;
  color: var(--navy);
}
.program-zoom-path p {
  margin: 0;
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.35;
}

.program-zoom-process {
  display: grid;
  gap: 0.4rem;
  margin-bottom: 0.5rem;
}
@media (min-width: 720px) {
  .program-zoom-process { grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
}
.program-zoom-process > div {
  display: flex;
  align-items: flex-start;
  gap: 0.45rem;
  font-size: 0.78rem;
  line-height: 1.35;
  color: var(--body);
  padding: 0.45rem 0.55rem;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.55);
  border: 1px solid rgba(113, 92, 65, 0.1);
}
.program-zoom-process span {
  flex: 0 0 auto;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.72rem;
  font-weight: 800;
  color: #fff;
  background: var(--blue);
}

/* Sticky-feel footer inside the locked window */
.program-zoom-footer {
  flex: 0 0 auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 0.55rem;
  padding: 0.85rem 1rem 1.05rem;
  border-top: 1px solid var(--line);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.55), #fff);
}
.program-zoom-out-btn {
  min-width: 9.5rem;
  width: auto;
  margin-top: 0;
  background: transparent;
  color: var(--blue);
  border: 1.5px solid rgba(113, 92, 65, 0.45);
}
.program-zoom-out-btn:hover {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
}
.program-zoom-out-btn::before {
  content: "← ";
  font-weight: 700;
  opacity: 0.75;
}
.program-zoom-continue-btn::before { content: none; }


/* Homepage program briefing modules (Handoff 05) */
.program-zoom-stages {
  list-style: none;
  margin: 0 0 0.85rem;
  padding: 0;
  display: grid;
  gap: 0.45rem;
  grid-template-columns: 1fr 1fr;
}
@media (min-width: 720px) {
  .program-zoom-stages { grid-template-columns: repeat(4, 1fr); }
  .program-zoom-stages--wide { grid-template-columns: repeat(3, 1fr); }
}
.program-zoom-stages li {
  margin: 0;
  padding: 0.55rem 0.65rem;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(113, 92, 65, 0.14);
  font-size: 0.78rem;
  line-height: 1.35;
  color: var(--body);
}
.program-zoom-stages li strong {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.2rem;
}
.program-zoom-stages li span { display: block; color: var(--muted); }

.program-zoom-formula {
  margin: 0 0 0.85rem;
  padding: 0.75rem 0.85rem;
  border-radius: 12px;
  background: rgba(246, 242, 234, 0.95);
  border: 1px solid rgba(113, 92, 65, 0.16);
}
.program-zoom-formula-eq {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 0.5rem;
  margin-bottom: 0.55rem;
}
.program-zoom-formula-part {
  padding: 0.4rem 0.65rem;
  border-radius: 8px;
  background: #fff;
  border: 1px solid rgba(113, 92, 65, 0.18);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy);
}
.program-zoom-formula-op {
  font-weight: 800;
  color: var(--gold);
  font-size: 1rem;
}
.program-zoom-formula p {
  margin: 0;
  font-size: 0.8rem;
  line-height: 1.45;
  color: var(--muted);
}

.program-zoom-fitgrid {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 0.5rem;
}
@media (min-width: 640px) {
  .program-zoom-fitgrid { grid-template-columns: 1fr 1fr; }
}
.program-zoom-fit,
.program-zoom-nofit {
  padding: 0.7rem 0.85rem;
  border-radius: 10px;
  border: 1px solid rgba(113, 92, 65, 0.14);
  background: rgba(255, 255, 255, 0.72);
}
.program-zoom-fit h3,
.program-zoom-nofit h3 {
  margin: 0 0 0.4rem;
  font-size: 0.88rem;
  color: var(--navy);
}
.program-zoom-fit ul,
.program-zoom-nofit ul {
  margin: 0;
  padding-left: 1.1rem;
  font-size: 0.78rem;
  line-height: 1.4;
  color: var(--muted);
}
.program-zoom-fit { border-left: 3px solid rgba(46, 125, 90, 0.55); }
.program-zoom-nofit { border-left: 3px solid rgba(160, 80, 60, 0.45); }

/* InstaLend-style highlight tiles (mint icon chips, soft borders) */
.program-zoom-highlights {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
  margin: 0.85rem 0 0.35rem;
}
@media (min-width: 640px) {
  .program-zoom-highlights { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 960px) {
  .program-zoom-highlights { grid-template-columns: repeat(4, 1fr); gap: 0.85rem; }
}
.program-zoom-highlight {
  background: #fff;
  border: 1px solid rgba(148, 185, 185, 0.45);
  border-radius: 14px;
  padding: 1.15rem 1.1rem 1.05rem;
  box-shadow: 0 8px 22px rgba(42, 34, 24, 0.05);
  display: flex;
  flex-direction: column;
  /* Height follows content — do not stretch empty space */
  min-height: 0;
  height: auto;
  align-self: start;
}
.program-zoom-highlight-icon {
  width: 2.35rem;
  height: 2.35rem;
  border-radius: 50%;
  background: #e7f6f3;
  color: #3aa89a;
  display: grid;
  place-items: center;
  margin-bottom: 0.85rem;
  flex-shrink: 0;
  /* Solid disc — no border gaps or clipped corners */
  box-shadow: none;
  border: none;
  overflow: hidden;
}
.program-zoom-highlight-icon svg {
  display: block;
  width: 1.05rem;
  height: 1.05rem;
  flex-shrink: 0;
}
.program-zoom-highlight strong {
  display: block;
  margin: 0 0 0.2rem;
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #1e2a36;
  line-height: 1.15;
}
.program-zoom-highlight-label {
  display: block;
  margin: 0 0 0.55rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: #3d4f5f;
  line-height: 1.3;
}
.program-zoom-highlight p {
  margin: 0;
  font-size: 0.8rem;
  line-height: 1.45;
  color: #5a6b7a;
  flex: 1;
}

.program-zoom-snapshot {
  margin: 0 0 0.5rem;
  padding: 0.7rem 0.85rem;
  border-radius: 10px;
  background: rgba(196, 163, 90, 0.1);
  border: 1px solid rgba(196, 163, 90, 0.28);
}
.program-zoom-snapshot h3 {
  margin: 0 0 0.3rem;
  font-size: 0.88rem;
  color: var(--navy);
}
.program-zoom-snapshot p {
  margin: 0;
  font-size: 0.8rem;
  line-height: 1.45;
  color: var(--muted);
}

.program-zoom-scenarios {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 0.85rem;
}
@media (min-width: 640px) {
  .program-zoom-scenarios { grid-template-columns: 1fr 1fr; }
}
.program-zoom-scenario {
  padding: 0.7rem 0.85rem;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(113, 92, 65, 0.14);
}
.program-zoom-scenario h3 {
  margin: 0 0 0.3rem;
  font-size: 0.9rem;
  color: var(--navy);
}
.program-zoom-scenario p {
  margin: 0;
  font-size: 0.78rem;
  line-height: 1.4;
  color: var(--muted);
}

.program-zoom-useoffunds {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 0.85rem;
}
@media (min-width: 720px) {
  .program-zoom-useoffunds { grid-template-columns: repeat(3, 1fr); }
}
.program-zoom-useoffunds > div {
  padding: 0.65rem 0.75rem;
  border-radius: 10px;
  background: rgba(246, 242, 234, 0.9);
  border: 1px solid rgba(113, 92, 65, 0.14);
}
.program-zoom-useoffunds h3 {
  margin: 0 0 0.25rem;
  font-size: 0.86rem;
  color: var(--navy);
}
.program-zoom-useoffunds p {
  margin: 0;
  font-size: 0.78rem;
  line-height: 1.4;
  color: var(--muted);
}

.program-zoom-continue-btn {
  min-width: 11rem;
}
.program-zoom-footer .btn {
  font-size: 0.82rem;
  padding: 0.65rem 1rem;
}
@media (max-width: 540px) {
  .program-zoom-footer {
    flex-direction: column;
  }
  .program-zoom-footer .btn {
    width: 100%;
  }
  .program-zoom-stages { grid-template-columns: 1fr; }
}

.loan-card button.btn-card {
  font: inherit;
  cursor: pointer;
  text-align: center;
}

/* Reduced motion: crossfade only, still locked to window */
@media (prefers-reduced-motion: reduce) {
  .program-zoom-layer--grid,
  .program-zoom-layer--detail,
  .program-zoom.is-zooming-in [data-program-card],
  .program-zoom-viewport.is-height-locked {
    transition: opacity 0.2s ease !important;
    transform: none !important;
    filter: none !important;
  }
  .program-zoom.is-zoomed .program-zoom-layer--grid { opacity: 0; }
  .program-zoom.is-zoomed .program-zoom-layer--detail { opacity: 1; }
}

/* LIGHT program panels — ivory/white + bronze/gold accents
   Dark brown reserved for hero wash + footer only */
.loan-card {
  background: var(--white);
  color: var(--body);
  border-radius: var(--radius);
  padding: 1.65rem 1.5rem 1.4rem;
  box-shadow: 0 10px 28px rgba(42, 34, 24, 0.08);
  display: flex; flex-direction: column; min-height: 100%;
  border: 1px solid rgba(113, 92, 65, 0.18);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 44px rgba(42, 34, 24, 0.14);
  border-color: rgba(113, 92, 65, 0.35);
}
.loan-card h3 {
  margin: 0 0 0.55rem; font-size: 1.35rem; font-weight: 800;
  letter-spacing: -0.02em; color: var(--navy);
}
.loan-card > .card-lead {
  margin: 0 0 1rem; font-size: 0.92rem;
  color: var(--muted); line-height: 1.5;
}
.loan-card .program-label {
  margin: 0 0 0.75rem; font-size: 1.02rem; font-weight: 700; color: var(--blue);
}
.loan-card ul.check {
  list-style: none; margin: 0 0 1.25rem; padding: 0; flex: 1;
}
.loan-card ul.check li {
  position: relative; padding: 0.35rem 0 0.35rem 1.65rem;
  font-size: 0.9rem; color: var(--body); line-height: 1.4;
}
.loan-card ul.check li::before {
  content: "";
  position: absolute; left: 0; top: 0.55rem;
  width: 1rem; height: 1rem;
  border-radius: 50%;
  background: var(--gold-soft);
  box-shadow: inset 0 0 0 1.5px rgba(113, 92, 65, 0.45);
}
.loan-card ul.check li::after {
  content: "";
  position: absolute; left: 0.28rem; top: 0.72rem;
  width: 0.38rem; height: 0.22rem;
  border-left: 2px solid var(--blue);
  border-bottom: 2px solid var(--blue);
  transform: rotate(-45deg);
}
.loan-card .btn-card {
  background: transparent;
  color: var(--blue);
  border: 1.5px solid rgba(113, 92, 65, 0.45);
}
.loan-card .btn-card:hover {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
}

/* Accent CTA tile — soft stone + gold, not espresso */
.loan-card--cta {
  background: linear-gradient(160deg, var(--off) 0%, var(--sky) 100%);
  color: var(--navy);
  border: 1px solid rgba(196, 163, 90, 0.35);
  justify-content: center;
  text-align: left;
}
.loan-card--cta h3 {
  color: var(--navy);
  font-size: clamp(1.4rem, 2.2vw, 1.75rem);
  line-height: 1.15; margin-bottom: 0.75rem;
}
.loan-card--cta .card-lead {
  color: var(--muted); margin-bottom: 1.35rem;
}
.loan-card--cta .btn { width: auto; }
.loan-card--cta .btn-card-dark {
  background: var(--blue);
  color: #fff;
}
.loan-card--cta .btn-card-dark:hover {
  background: var(--blue-hot);
}

/* light summary cards (secondary) */
.product-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.45rem 1.4rem 1.3rem; box-shadow: 0 8px 24px rgba(42, 34, 24, 0.06);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
  display: flex; flex-direction: column; min-height: 100%;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.product-card .icon {
  width: 48px; height: 48px; border-radius: 12px; background: var(--blue-soft);
  color: var(--blue); display: grid; place-items: center; font-weight: 800; margin-bottom: 1rem;
}
.product-card h3 { margin: 0 0 0.5rem; font-size: 1.15rem; color: var(--navy-ink); }
.product-card p { margin: 0 0 1rem; color: var(--muted); font-size: 0.94rem; flex: 1; }
.product-card .card-link { font-weight: 700; color: var(--blue); font-size: 0.9rem; }

/* dual panels */
.program-band { display: grid; gap: 1.15rem; }
@media (min-width: 900px) { .program-band { grid-template-columns: 1fr 1fr; } }
.program-panel {
  border-radius: var(--radius); padding: 1.85rem; border: 1px solid var(--line); background: #fff;
}
.program-panel.premium {
  background: linear-gradient(160deg, var(--blue) 0%, #8a7050 100%);
  color: #fff; border-color: transparent;
}
.program-panel .tag {
  display: inline-block; font-size: 0.72rem; font-weight: 800;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue); margin-bottom: 0.65rem;
}
.program-panel.premium .tag { color: var(--gold); }
.program-panel h3 { margin: 0 0 0.75rem; font-size: 1.35rem; }
.program-panel ul { margin: 0 0 1.25rem; padding-left: 1.15rem; }
.program-panel li { margin-bottom: 0.45rem; }

/* steps */
.steps { display: grid; gap: 1rem; counter-reset: step; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.5rem 1.35rem; position: relative;
}
.section--navy .step {
  background: rgba(255, 255, 255, 0.06); border-color: rgba(255, 255, 255, 0.12);
}
.step::before {
  counter-increment: step; content: "0" counter(step);
  display: block; font-weight: 800; font-size: 0.8rem; letter-spacing: 0.08em;
  color: var(--blue); margin-bottom: 0.65rem;
}
.step h3 { margin: 0 0 0.45rem; font-size: 1.08rem; }
.step p { margin: 0; color: var(--muted); font-size: 0.92rem; }
.section--navy .step p { color: rgba(255, 255, 255, 0.72); }

/* split */
.split { display: grid; gap: 2rem; align-items: center; }
@media (min-width: 900px) {
  .split { grid-template-columns: 1.05fr 0.95fr; gap: 3rem; }
  .split.reverse { grid-template-columns: 0.95fr 1.05fr; }
  .split.reverse .split-media { order: -1; }
}
.split-media {
  border-radius: calc(var(--radius) + 4px); overflow: hidden;
  box-shadow: var(--shadow-lg); min-height: 340px;
  background: #e6e0d4 center/cover no-repeat;
  position: relative;
}
.split-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 340px;
  display: block;
}
/* Inline product video in split media — in-flow so it always paints */
.split-media video,
.split-media .split-media-video {
  display: block;
  width: 100%;
  height: auto;
  min-height: 340px;
  max-height: 520px;
  object-fit: cover;
  background: #1a1612;
  vertical-align: middle;
}
@media (min-width: 900px) {
  .split-media video,
  .split-media .split-media-video {
    min-height: 420px;
    height: 100%;
    position: absolute;
    inset: 0;
  }
  .split .split-media:has(video) {
    min-height: 420px;
    align-self: stretch;
  }
}
.split-body h2 {
  margin: 0.35rem 0 0.75rem; font-size: clamp(1.55rem, 2.6vw, 2.2rem);
  letter-spacing: -0.02em; font-weight: 800;
}
.split-body p { color: var(--muted); margin: 0 0 1rem; }
.split-body ul { margin: 0 0 1.25rem; padding-left: 1.15rem; }
.split-body li { margin-bottom: 0.4rem; }

/* Flip cards stacked beside split media (e.g. funding path chooser) */
.split-body .product-grid {
  grid-template-columns: 1fr;
  gap: 0.9rem;
}
.split-body .flip-card {
  min-height: 210px;
}
@media (min-width: 900px) {
  .split-body .flip-card { min-height: 230px; }
  .split-body .product-grid + .section-note { margin-top: 0.75rem; }
  .split .split-media img { min-height: 480px; }
}
.split-body .flip-front,
.split-body .flip-back {
  padding: 1.15rem 1.2rem 1.05rem;
}
.split-body .flip-front h3 {
  font-size: 1.12rem;
  margin-bottom: 0.35rem;
}
.split-body .flip-back h3 {
  font-size: 1.02rem;
  margin-bottom: 0.4rem;
}
.split-body .flip-front .flip-points li {
  font-size: 0.88rem;
  padding: 0.28rem 0 0.28rem 1.4rem;
}
.split-body .flip-back p {
  font-size: 0.84rem;
  margin-bottom: 0.4rem;
}
.split-body .flip-back .flip-detail li {
  font-size: 0.82rem;
  padding: 0.22rem 0;
}
.split-body .flip-hint {
  padding-top: 0.45rem;
  font-size: 0.68rem;
}

/* testimonials denser */
.quote-grid {
  display: grid; gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 800px) { .quote-grid { grid-template-columns: repeat(3, 1fr); } }
.quote-card {
  background: #fff; border-radius: var(--radius); border: 1px solid var(--line);
  padding: 1.5rem; box-shadow: var(--shadow); height: 100%;
}
.quote-card p {
  margin: 0 0 1rem; font-size: 0.95rem; line-height: 1.55; color: var(--body);
}
.quote-card cite {
  font-style: normal; font-weight: 700; color: var(--navy); font-size: 0.9rem;
}

/* FAQ */
.faq-list { display: grid; gap: 0.65rem; max-width: 860px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--line); border-radius: 12px; background: #fff; overflow: hidden;
}
.faq-item summary {
  list-style: none; cursor: pointer; padding: 1.05rem 1.2rem;
  font-weight: 700; color: var(--navy-ink);
  display: flex; justify-content: space-between; gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--blue); font-size: 1.2rem; font-weight: 500; }
.faq-item[open] summary::after { content: "–"; }
.faq-item .faq-body {
  padding: 0 1.2rem 1.15rem; color: var(--muted); font-size: 0.95rem;
}

/* CTA band */
.cta-band {
  border-radius: calc(var(--radius) + 6px); padding: 2.75rem 1.85rem;
  background:
    linear-gradient(125deg, rgba(42, 34, 24, 0.94), rgba(113, 92, 65, 0.78)),
    url("../img/lifestyle.jpg") center/cover no-repeat;
  color: #fff; text-align: center; box-shadow: var(--shadow-lg);
}
.cta-band h2 { margin: 0 0 0.65rem; font-size: clamp(1.55rem, 2.6vw, 2.15rem); font-weight: 800; }
.cta-band p {
  margin: 0 auto 1.35rem; max-width: 36rem; color: rgba(255, 255, 255, 0.88);
}
.cta-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; justify-content: center; }

/* forms */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: 1fr; gap: 0.9rem; }
@media (min-width: 700px) {
  .form-grid { grid-template-columns: 1fr 1fr; }
  .form-grid .full { grid-column: 1 / -1; }
}
.form-field label {
  display: block; font-size: 0.82rem; font-weight: 700; margin-bottom: 0.35rem; color: var(--navy-ink);
}
.form-field input, .form-field select, .form-field textarea {
  width: 100%; border: 1px solid var(--line); border-radius: 10px;
  padding: 0.75rem 0.85rem; background: #fff;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: 2px solid var(--blue-soft); border-color: var(--blue);
}
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 0.85rem; }

/* metrics */
.metric-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.85rem;
}
@media (min-width: 700px) { .metric-grid { grid-template-columns: repeat(4, 1fr); } }
.metric {
  background: var(--off); border-radius: 12px; padding: 1rem; border: 1px solid var(--line);
}
.metric strong { display: block; color: var(--navy); font-size: 1.05rem; margin-bottom: 0.2rem; }
.metric span { font-size: 0.82rem; color: var(--muted); }

/* gallery */
.gallery { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 700px) { .gallery { grid-template-columns: repeat(3, 1fr); } }
.gallery-card {
  border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line);
  background: #fff; box-shadow: 0 8px 24px rgba(42, 34, 24, 0.06);
}
.gallery-card .ph { height: 180px; background: center/cover no-repeat; }
.gallery-card .body { padding: 1rem 1.1rem 1.2rem; }
.gallery-card h3 { margin: 0 0 0.3rem; font-size: 1rem; }
.gallery-card p { margin: 0; color: var(--muted); font-size: 0.88rem; }

/* footer */
.site-footer {
  background: var(--navy-ink); color: rgba(255, 255, 255, 0.82);
  padding: 3.5rem 0 1.75rem; margin-top: 0;
}
.footer-grid { display: grid; gap: 2rem; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.3fr 1fr 1fr 1fr; } }
.footer-brand .logo-name { color: #fff; font-size: 1.05rem; font-weight: 700; }
.footer-brand p {
  margin: 0.75rem 0 0; font-size: 0.9rem; max-width: 28rem; color: rgba(255, 255, 255, 0.7);
}
.footer-col h4 {
  margin: 0 0 0.85rem; color: #fff; font-size: 0.82rem;
  letter-spacing: 0.1em; text-transform: uppercase;
}
.footer-col a {
  display: block; padding: 0.28rem 0; font-size: 0.9rem; color: rgba(255, 255, 255, 0.72);
}
.footer-col a:hover { color: #fff; }
.footer-bottom {
  margin-top: 2.5rem; padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.8rem; color: rgba(255, 255, 255, 0.5);
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.25rem; justify-content: space-between;
}
.disclaimer {
  font-size: 0.78rem; color: rgba(255, 255, 255, 0.45);
  max-width: 70rem; margin: 1rem 0 0; line-height: 1.5;
}

/* utilities */
.chip {
  display: inline-block; padding: 0.28rem 0.65rem; border-radius: 999px;
  background: var(--blue-soft); color: var(--navy); font-size: 0.75rem; font-weight: 700;
}
.stack > * + * { margin-top: 1.15rem; }
.verify {
  font-size: 0.85rem; color: var(--muted);
  border-left: 3px solid var(--blue); padding-left: 0.85rem; margin: 1.25rem 0 0;
}
.section-note {
  text-align: center; font-size: 0.82rem; color: var(--muted);
  margin-top: 1.5rem; max-width: 48rem; margin-inline: auto;
}

/* =========================================================
   FLIP CARDS — front: title + points; back: full detail.
   Both faces in the DOM (crawlable). Flip on click/keyboard.
   ========================================================= */
.flip-card {
  background: transparent;
  perspective: 1400px;
  min-height: 380px;
  cursor: pointer;
  outline: none;
}
@media (min-width: 900px) {
  .flip-card { min-height: 400px; }
  /* Two-column path/eval cards are wider — a bit taller keeps backs fully visible */
  .product-grid:not(.cols-3) .flip-card { min-height: 420px; }
  /* Compact stack beside split media wins over the wide-card rule above */
  .split-body .product-grid .flip-card { min-height: 230px; }
}
.flip-card:focus-visible .flip-inner { box-shadow: 0 0 0 3px var(--gold-soft), var(--shadow-lg); }
.flip-inner {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: inherit;
  transition: transform 0.7s var(--ease);
  transform-style: preserve-3d;
}
.flip-card.is-flipped .flip-inner { transform: rotateY(180deg); }
/* Desktop / trackpad: flip on hover (touch keeps click via .is-flipped) */
@media (hover: hover) and (pointer: fine) {
  .flip-card:hover .flip-inner,
  .flip-card:focus-within .flip-inner {
    transform: rotateY(180deg);
  }
}
.flip-front, .flip-back {
  position: absolute;
  inset: 0;
  -webkit-backface-visibility: hidden;
  backface-visibility: hidden;
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  padding: 1.5rem 1.4rem 1.35rem;
  overflow: hidden; /* no in-card scrollbars — size content to fit */
}
.flip-front {
  background: var(--white);
  border: 1px solid rgba(113, 92, 65, 0.18);
  box-shadow: 0 10px 28px rgba(42, 34, 24, 0.08);
}
.flip-back {
  background: linear-gradient(160deg, var(--navy-card) 0%, var(--navy-ink) 100%);
  color: rgba(246, 242, 234, 0.92);
  border: 1px solid rgba(196, 163, 90, 0.3);
  transform: rotateY(180deg);
}
.flip-front .flip-eyebrow, .flip-back .flip-eyebrow {
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 0.6rem;
}
.flip-front h3 { margin: 0 0 0.5rem; font-size: 1.3rem; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }
.flip-back h3 { margin: 0 0 0.65rem; font-size: 1.15rem; font-weight: 800; color: #fff; }
.flip-front .flip-points { list-style: none; margin: 0.4rem 0 0; padding: 0; flex: 1; }
.flip-front .flip-points li {
  position: relative; padding: 0.4rem 0 0.4rem 1.5rem; font-size: 0.94rem; color: var(--body);
  opacity: 0; transform: translateY(6px); animation: flip-point-in 0.5s var(--ease) forwards;
}
.flip-card .flip-front .flip-points li:nth-child(1) { animation-delay: 0.05s; }
.flip-card .flip-front .flip-points li:nth-child(2) { animation-delay: 0.18s; }
.flip-card .flip-front .flip-points li:nth-child(3) { animation-delay: 0.31s; }
.flip-card .flip-front .flip-points li:nth-child(4) { animation-delay: 0.44s; }
@media (prefers-reduced-motion: reduce) {
  .flip-front .flip-points li { opacity: 1; transform: none; animation: none; }
  .flip-inner { transition: none; }
}
@keyframes flip-point-in { to { opacity: 1; transform: translateY(0); } }
.flip-front .flip-points li::before {
  content: ""; position: absolute; left: 0; top: 0.62rem; width: 0.9rem; height: 0.9rem;
  border-radius: 50%; background: var(--gold-soft); box-shadow: inset 0 0 0 1.5px rgba(113, 92, 65, 0.45);
}
.flip-front .flip-points li::after {
  content: ""; position: absolute; left: 0.25rem; top: 0.78rem; width: 0.34rem; height: 0.2rem;
  border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(-45deg);
}
.flip-back p { margin: 0 0 0.55rem; font-size: 0.88rem; line-height: 1.45; color: rgba(246, 242, 234, 0.85); flex-shrink: 0; }
.flip-back .flip-detail { list-style: none; margin: 0; padding: 0; flex: 1; min-height: 0; }
.flip-back .flip-detail li { padding: 0.28rem 0; font-size: 0.86rem; line-height: 1.4; border-bottom: 1px solid rgba(255, 255, 255, 0.08); }
.flip-back .flip-detail li strong { color: var(--gold); }
.flip-hint {
  margin-top: auto; padding-top: 0.6rem; font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.04em; text-transform: uppercase; color: var(--blue);
  flex-shrink: 0;
}
.flip-back .flip-hint { color: var(--gold); }
.flip-back .flip-cta {
  margin-top: 0.5rem; display: inline-block; font-weight: 700; font-size: 0.85rem; color: var(--gold);
  flex-shrink: 0;
}

/* =========================================================
   PROGRAM DEPTH COMPONENTS — params table, worked example
   ========================================================= */
.params {
  border: 1px solid var(--line); border-radius: var(--radius);
  background: #fff; overflow: hidden; margin: 1.5rem 0;
}
.params-row {
  display: grid; grid-template-columns: minmax(9rem, 34%) 1fr; gap: 1rem;
  padding: 0.8rem 1.1rem; border-bottom: 1px solid var(--line); font-size: 0.94rem;
}
.params-row:last-child { border-bottom: 0; }
.params-row dt { font-weight: 700; color: var(--navy); }
.params-row dd { margin: 0; color: var(--body); }
.params-row dd .pending { color: var(--muted); font-style: italic; font-size: 0.88rem; }
@media (max-width: 560px) { .params-row { grid-template-columns: 1fr; gap: 0.15rem; } }

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.worked {
  width: 100%; border-collapse: collapse; margin: 1.25rem 0; font-size: 0.94rem;
  background: #fff; border-radius: var(--radius); overflow: hidden;
}
.worked th, .worked td { padding: 0.6rem 0.85rem; border-bottom: 1px solid var(--line); text-align: left; }
.worked thead th { background: var(--navy-ink); color: #fff; font-weight: 700; }
.worked td.num, .worked th.num { text-align: right; font-variant-numeric: tabular-nums; }
.worked tr.total td { border-top: 2px solid var(--navy); border-bottom: 0; font-weight: 800; color: var(--navy); }
.worked caption { caption-side: bottom; text-align: left; font-size: 0.8rem; color: var(--muted); padding-top: 0.75rem; }

/* two-column list layout used on program + resource pages */
.two-col { display: grid; gap: 2.5rem; }
@media (min-width: 900px) { .two-col { grid-template-columns: 1fr 1fr; } }
.list-check { list-style: none; margin: 0.5rem 0 0; padding: 0; }
.list-check li { position: relative; padding: 0.4rem 0 0.4rem 1.6rem; font-size: 0.94rem; }
.list-check li::before {
  content: ""; position: absolute; left: 0; top: 0.62rem; width: 0.95rem; height: 0.95rem;
  border-radius: 50%; background: var(--gold-soft); box-shadow: inset 0 0 0 1.5px rgba(113, 92, 65, 0.45);
}
.list-check li::after {
  content: ""; position: absolute; left: 0.27rem; top: 0.8rem; width: 0.36rem; height: 0.2rem;
  border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(-45deg);
}
.disclosure {
  margin-top: 2rem; padding: 1.1rem 1.25rem; background: var(--off);
  border: 1px solid var(--line); border-radius: 12px; font-size: 0.8rem; color: var(--muted); line-height: 1.55;
}

/* =========================================================
   TOOLS / CALCULATORS
   ========================================================= */
.calc {
  display: grid; gap: 1.5rem; align-items: start;
}
@media (min-width: 860px) { .calc { grid-template-columns: 1.1fr 0.9fr; } }
.calc-inputs { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); }
.calc-field { margin-bottom: 0.9rem; }
.calc-field label { display: block; font-size: 0.82rem; font-weight: 700; margin-bottom: 0.3rem; color: var(--navy-ink); }
.calc-field input, .calc-field select {
  width: 100%; border: 1px solid var(--line); border-radius: 10px; padding: 0.7rem 0.8rem; background: #fff;
}
.calc-field input:focus { outline: 2px solid var(--blue-soft); border-color: var(--blue); }
.calc-result {
  background: linear-gradient(160deg, var(--navy-card), var(--navy-ink)); color: #fff;
  border-radius: var(--radius); padding: 1.75rem 1.6rem; position: sticky; top: calc(var(--header-h) + 1rem);
}
.calc-result .result-label { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); }
.calc-result .result-value { font-size: 2.6rem; font-weight: 800; line-height: 1.1; margin: 0.35rem 0 0.5rem; }
.calc-result .result-note { font-size: 0.86rem; color: rgba(246, 242, 234, 0.75); }
.calc-result .result-row { display: flex; justify-content: space-between; padding: 0.4rem 0; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.9rem; }

/* tool + resource cards reuse .product-card / .loan-card grids */
.article-body { max-width: 760px; margin: 0 auto; }
.article-body h2 { font-size: 1.5rem; margin: 2rem 0 0.75rem; color: var(--navy); letter-spacing: -0.02em; }
.article-body h3 { font-size: 1.15rem; margin: 1.5rem 0 0.5rem; color: var(--navy-ink); }
.article-body p, .article-body li { color: var(--body); font-size: 1rem; line-height: 1.7; }
.article-body ul, .article-body ol { padding-left: 1.2rem; margin: 0.5rem 0 1rem; }
.article-body .lead { font-size: 1.15rem; color: var(--muted); }
.toc { background: var(--off); border: 1px solid var(--line); border-radius: 12px; padding: 1.1rem 1.35rem; margin: 1.5rem 0; }
.toc h4 { margin: 0 0 0.5rem; font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.toc a { display: block; padding: 0.25rem 0; color: var(--blue); font-weight: 600; font-size: 0.92rem; }

/* ========== RECR Proof system (Handoff 07) ========== */
.proof-mock-badge {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 0.35rem 0.75rem;
  margin: 0 0 0.65rem;
  padding: 0.4rem 0.55rem;
  border-radius: 8px;
  background: rgba(196, 163, 90, 0.16);
  border: 1px dashed rgba(160, 120, 40, 0.55);
}
.proof-mock-badge__label {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #7a5a12;
}
.proof-mock-badge__note {
  font-size: 0.72rem;
  color: #6b5a2e;
  font-style: italic;
}
.proof-case--mock,
.proof-quote--mock,
.proof-bill__mock,
.proof-hub-banner,
.proof-home-strip {
  border: 1.5px solid rgba(180, 140, 50, 0.45);
  background:
    linear-gradient(180deg, rgba(255, 248, 230, 0.65), rgba(255, 255, 255, 0.92));
  box-shadow: inset 0 0 0 1px rgba(196, 163, 90, 0.12);
}
.proof-case,
.proof-quote {
  border-radius: calc(var(--radius) + 2px);
  padding: 1rem 1.1rem 1.1rem;
  border: 1px solid rgba(113, 92, 65, 0.16);
  background: #fff;
}
.proof-case--verified {
  border-color: rgba(80, 110, 90, 0.28);
}
.proof-case-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) {
  .proof-case-grid { grid-template-columns: 1fr 1fr; }
}
.proof-case-grid--compact {
  grid-template-columns: 1fr;
}
@media (min-width: 720px) {
  .proof-case-grid--compact { grid-template-columns: 1fr 1fr; }
}
.proof-case__program {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.25rem;
}
.proof-case__title {
  margin: 0 0 0.25rem;
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.25;
}
.proof-case__meta {
  margin: 0 0 0.65rem;
  font-size: 0.78rem;
  color: var(--muted);
}
.proof-case__meta--mock { color: #6b5a2e; }
.proof-case__flow {
  margin: 0;
  padding-left: 1.1rem;
  font-size: 0.84rem;
  line-height: 1.45;
  color: var(--body);
}
.proof-case__flow li { margin: 0 0 0.4rem; }
.proof-case__flow strong {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.1rem;
}
.proof-case__line {
  margin: 0 0 0.4rem;
  font-size: 0.84rem;
  line-height: 1.4;
  color: var(--body);
}
.proof-case--compact .proof-case__title { font-size: 0.98rem; }
.proof-quote-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) {
  .proof-quote-grid { grid-template-columns: 1fr 1fr; }
}
.proof-quote { margin: 0; }
.proof-quote__text {
  margin: 0 0 0.75rem;
  font-size: 0.95rem;
  line-height: 1.5;
  color: var(--navy);
}
.proof-quote__attr {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  font-size: 0.8rem;
  color: var(--muted);
}
.proof-quote__rel {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 700;
  color: var(--blue);
}
.proof-section-title {
  margin: 0 0 0.35rem;
  font-size: clamp(1.25rem, 2.4vw, 1.6rem);
  color: var(--navy);
}
.proof-section-note {
  margin: 0 0 1rem;
  font-size: 0.85rem;
  color: #6b5a2e;
  font-style: italic;
}
.proof-hub-banner {
  border-radius: var(--radius);
  padding: 1rem 1.15rem;
  margin-bottom: 1.25rem;
}
.proof-hub-banner p { margin: 0.5rem 0 0; font-size: 0.9rem; line-height: 1.45; color: var(--body); }
.proof-hub-empty {
  padding: 1.25rem;
  border-radius: var(--radius);
  background: var(--off);
  border: 1px solid var(--line);
}
.proof-inline { margin: 0 0 1.5rem; }
.proof-inline__more { margin: 0.75rem 0 0; font-size: 0.9rem; }
.proof-bill__verified {
  margin-bottom: 1.5rem;
  padding: 1.15rem 1.25rem;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid rgba(113, 92, 65, 0.16);
}
.proof-bill__mock {
  padding: 1.15rem 1.25rem;
  border-radius: var(--radius);
}
.proof-timeline {
  margin: 0 0 1rem;
  padding-left: 1.15rem;
  font-size: 0.9rem;
  line-height: 1.45;
}
.proof-timeline li { margin: 0 0 0.55rem; }
.proof-home-strip {
  border-radius: var(--radius);
  padding: 1.1rem 1.2rem 1.25rem;
}
@media (max-width: 430px) {
  .proof-case, .proof-quote, .proof-bill__mock, .proof-bill__verified { padding: 0.85rem 0.9rem; }
  .proof-case__flow { font-size: 0.8rem; }
}


/* Stage 08 conversion/visual polish */
.site-footer .footer-grid {
  gap: 1.5rem 1.25rem;
}
@media (max-width: 768px) {
  .site-footer .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .site-footer .footer-brand {
    grid-column: 1 / -1;
  }
}
@media (max-width: 480px) {
  .site-footer .footer-grid {
    grid-template-columns: 1fr;
  }
}
/* Keep mock proof readable without overpowering */
.proof-case--mock,
.proof-quote--mock,
.proof-bill__mock,
.proof-hub-banner,
.proof-home-strip {
  background:
    linear-gradient(180deg, rgba(255, 250, 240, 0.55), rgba(255, 255, 255, 0.96));
  border-color: rgba(180, 140, 50, 0.38);
}
.proof-mock-badge__label {
  letter-spacing: 0.06em;
}
/* Briefing footer: clearer hierarchy on narrow screens */
.program-zoom-footer .btn-primary {
  order: -1;
}
/* Prevent proof grids from forcing horizontal scroll */
.proof-case-grid,
.proof-quote-grid {
  max-width: 100%;
}
.proof-case,
.proof-quote {
  min-width: 0;
  overflow-wrap: anywhere;
}
/* Form/tool touch targets */
.btn, button.btn-card, .loan-card .btn-card {
  min-height: 2.75rem;
}

/* Deal Path tool (Stage 11) */
.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;
}
.deal-path-progress {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.75rem;
  list-style: none;
  margin: 0 0 1.25rem;
  padding: 0;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
}
.deal-path-progress li.is-current { color: var(--blue); }
.deal-path-progress li.is-done { color: var(--navy); opacity: 0.7; }
.deal-path-step-title {
  margin: 0 0 1rem;
  font-size: 1.25rem;
  color: var(--navy);
}
.deal-path-optional {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--muted);
  text-transform: none;
  letter-spacing: 0;
}
.deal-path-fieldset {
  border: 1px solid rgba(113, 92, 65, 0.16);
  border-radius: 12px;
  padding: 0.85rem 1rem 1rem;
  margin: 0 0 1rem;
  background: #fff;
}
.deal-path-fieldset legend {
  padding: 0 0.35rem;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.95rem;
}
.deal-path-choice {
  display: flex;
  gap: 0.55rem;
  align-items: flex-start;
  margin: 0.45rem 0;
  font-size: 0.92rem;
  line-height: 1.35;
  cursor: pointer;
  min-height: 2.75rem;
}
.deal-path-choice input {
  margin-top: 0.25rem;
  width: 1.1rem;
  height: 1.1rem;
  flex: 0 0 auto;
}
.deal-path-fieldset.has-error {
  border-color: rgba(160, 60, 40, 0.55);
}
.field-error {
  margin: 0.35rem 0 0;
  font-size: 0.82rem;
  color: #8a3020;
}
.deal-path-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1rem;
}
.deal-path-result { margin-top: 1.5rem; }
.deal-path-result-card {
  border: 1px solid rgba(113, 92, 65, 0.18);
  border-radius: calc(var(--radius) + 2px);
  padding: 1.15rem 1.25rem 1.35rem;
  background: #fff;
  box-shadow: 0 10px 28px rgba(42, 34, 24, 0.06);
}
.deal-path-caveat {
  margin: 0 0 1rem;
  padding: 0.75rem 0.9rem;
  border-radius: 10px;
  background: rgba(246, 242, 234, 0.95);
  border-left: 3px solid var(--gold);
  font-size: 0.9rem;
  line-height: 1.45;
}
.deal-path-lead {
  font-size: 1.05rem;
  line-height: 1.45;
  color: var(--navy);
}
.deal-path-snapshot {
  margin: 0 0 1rem;
  padding-left: 1.15rem;
  font-size: 0.92rem;
  line-height: 1.45;
}
.deal-path-links { padding-left: 1.15rem; }
.deal-path-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.15rem;
}
.deal-path-actions .btn { min-height: 2.75rem; }
@media (max-width: 480px) {
  .deal-path-actions { flex-direction: column; }
  .deal-path-actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  .deal-path-step { transition: none; }
}