/* Hard Money Facts — design system */

:root{
  --ink:#111a20;
  --ink-2:#3d4c55;
  --ink-3:#63737d;
  --line:#e2e6e9;
  --line-2:#eff2f4;
  --paper:#ffffff;
  --paper-2:#f6f8f9;
  --paper-3:#eef2f3;

  --brand:#0f3d47;        /* deep petrol */
  --brand-2:#155a68;
  --brand-ink:#0b2b32;
  --brand-wash:#e8f0f1;

  --gold:#b07a1e;
  --gold-2:#e0a03e;
  --gold-wash:#fdf5e6;

  --danger:#8f2f22;
  --danger-wash:#fdf1ee;
  --ok:#1f6b4a;

  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --wrap:1180px;
  --doc:760px;
  --r:10px;
  --shadow:0 1px 2px rgba(17,26,32,.05), 0 8px 24px -12px rgba(17,26,32,.18);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--sans);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto}
a{color:var(--brand-2);text-underline-offset:2px}
a:hover{color:var(--brand)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.wrap-doc{max-width:var(--doc)}
.skip{position:absolute;left:-9999px;top:0;background:var(--brand);color:#fff;padding:10px 16px;z-index:99}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:2px solid var(--gold-2);outline-offset:2px;border-radius:3px}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.22;color:var(--ink);margin:0}
h1{font-size:clamp(2rem,1.35rem + 2.2vw,3rem);letter-spacing:-.015em}
h2{font-size:clamp(1.45rem,1.2rem + .9vw,1.9rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
h4{font-size:1.03rem;font-family:var(--sans);font-weight:600}

/* ---------------------------------------------------------- header --- */
.site-head{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(1.6) blur(10px);border-bottom:1px solid var(--line);
}
.head-inner{display:flex;align-items:center;gap:22px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:0 0 auto}
.brand-mark{display:flex}
.brand-text{display:flex;flex-direction:column;line-height:1.05;font-family:var(--serif)}
.brand-text strong{font-size:.98rem;font-weight:700;letter-spacing:-.01em}
.brand-text span{font-size:.98rem;font-weight:400;color:var(--brand-2);letter-spacing:.02em}
.site-nav{margin-left:auto}
.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{
  display:block;padding:8px 11px;border-radius:7px;text-decoration:none;
  color:var(--ink-2);font-size:.92rem;font-weight:500;white-space:nowrap;
}
.site-nav a:hover{background:var(--paper-2);color:var(--brand)}
.site-nav a[aria-current]{color:var(--brand);background:var(--brand-wash)}
.head-cta{flex:0 0 auto}
.navtoggle{display:none}

/* ---------------------------------------------------------- buttons --- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--sans);font-weight:600;font-size:.95rem;line-height:1.2;
  padding:12px 20px;border-radius:8px;border:1px solid transparent;
  text-decoration:none;cursor:pointer;transition:transform .06s ease,background .15s ease;
}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-2);color:#fff}
.btn-ghost{background:transparent;color:var(--brand);border-color:var(--line)}
.btn-ghost:hover{background:var(--paper-2);color:var(--brand)}
.btn-gold{background:var(--gold-2);color:#2a1d05}
.btn-gold:hover{background:var(--gold);color:#fff}
.btn-sm{padding:9px 14px;font-size:.88rem}
.btn-lg{padding:15px 26px;font-size:1rem;width:100%}

/* ------------------------------------------------------------- hero --- */
.hero{
  background:
    radial-gradient(900px 420px at 78% -8%, rgba(224,160,62,.16), transparent 62%),
    linear-gradient(168deg,#0f3d47 0%,#0b2b32 68%,#092329 100%);
  color:#e9f1f2;padding:74px 0 84px;position:relative;overflow:hidden;
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.28;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:52px 52px;mask-image:radial-gradient(700px 340px at 20% 40%,#000,transparent 78%);
}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
.hero h1{color:#fff;font-size:clamp(2.1rem,1.3rem + 2.7vw,3.35rem)}
.hero .lede{font-size:1.13rem;color:#bcd2d6;max-width:36em;margin:18px 0 0}
.hero .eyebrow{color:var(--gold-2)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-actions .btn-lg{width:auto}
.hero-trust{margin:34px 0 0;padding:18px 0 0;border-top:1px solid rgba(255,255,255,.14);
  display:flex;gap:28px;flex-wrap:wrap;list-style:none}
.hero-trust li{font-size:.86rem;color:#9fbcc2;display:flex;gap:8px;align-items:baseline}
.hero-trust strong{color:#fff;font-family:var(--serif);font-size:1.35rem;font-weight:600;display:block}

.eyebrow{
  font-size:.76rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--gold);margin:0 0 12px;
}
.kicker{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--brand-2);margin:0 0 10px}

/* hero picker card */
.picker{background:#fff;border-radius:14px;padding:26px;box-shadow:0 24px 60px -20px rgba(0,0,0,.5);color:var(--ink)}
.picker h2{font-size:1.22rem;margin-bottom:4px}
.picker p.sub{font-size:.9rem;color:var(--ink-3);margin:0 0 18px}
.picker label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin:14px 0 5px}
.picker select{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;
  font:inherit;font-size:.95rem;background:#fff;color:var(--ink);
}
.picker .btn{margin-top:20px}
.picker-out{margin-top:16px;font-size:.9rem;color:var(--ink-2);background:var(--paper-2);
  border-radius:8px;padding:14px;display:none}
.picker-out.on{display:block}
.picker-out h4{margin:0 0 6px;color:var(--brand)}
.picker-out ul{margin:8px 0 0;padding-left:18px}
.picker-out li{margin:3px 0}
.picker-fine{font-size:.74rem;color:var(--ink-3);margin:14px 0 0;line-height:1.5}

/* ------------------------------------------------------------ doc ----- */
.doc-head{margin:0 0 26px}
.doc-lede{font-size:1.14rem;color:var(--ink-2);margin:14px 0 0;line-height:1.6}
.doc-meta{font-size:.84rem;color:var(--ink-3);margin:16px 0 0}
.crumbs{margin:26px 0 22px}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:0;font-size:.83rem;color:var(--ink-3)}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--ink-3);text-decoration:none}
.crumbs a:hover{color:var(--brand);text-decoration:underline}

.toc{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--r);padding:20px 24px;margin:0 0 34px}
.toc-h{font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-3);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{margin:5px 0;font-size:.9rem;break-inside:avoid}
.toc a{color:var(--ink-2);text-decoration:none}
.toc a:hover{color:var(--brand);text-decoration:underline}

.prose{max-width:none}
.prose > h2{margin:44px 0 14px;padding-top:6px}
.prose > h3{margin:32px 0 10px}
.prose > h4{margin:24px 0 8px}
.prose p{margin:0 0 18px}
.prose ul,.prose ol{margin:0 0 20px;padding-left:24px}
.prose li{margin:7px 0}
.prose > ul > li::marker{color:var(--brand-2)}
.prose code{background:var(--paper-3);padding:1px 5px;border-radius:4px;font-size:.88em}
.prose blockquote{
  margin:26px 0;padding:4px 0 4px 22px;border-left:3px solid var(--gold-2);
  font-family:var(--serif);font-size:1.1rem;color:var(--ink-2);
}
.prose blockquote cite{display:block;margin-top:8px;font-family:var(--sans);font-size:.82rem;
  font-style:normal;color:var(--ink-3)}

.callout{
  background:var(--brand-wash);border-left:3px solid var(--brand-2);
  border-radius:0 var(--r) var(--r) 0;padding:16px 20px;margin:26px 0;
}
.callout p{margin:0;font-size:.96rem;color:var(--brand-ink)}
.callout-tag{display:block;font-size:.7rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--brand-2);margin-bottom:6px}
.callout-warn{background:var(--danger-wash);border-left-color:var(--danger)}
.callout-warn .callout-tag{color:var(--danger)}
.callout-warn p{color:#5e2318}

.table-wrap{overflow-x:auto;margin:26px 0;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;font-size:.92rem;min-width:520px}
caption{text-align:left;font-size:.82rem;color:var(--ink-3);padding:12px 16px;border-bottom:1px solid var(--line)}
th,td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top}
thead th{background:var(--paper-2);font-size:.78rem;font-weight:700;letter-spacing:.05em;
  text-transform:uppercase;color:var(--ink-3);border-bottom:1px solid var(--line)}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--paper-2)}

.deflist{margin:24px 0}
.deflist dt{font-weight:600;color:var(--brand);margin:16px 0 3px}
.deflist dd{margin:0 0 0 0;color:var(--ink-2)}

.steps{list-style:none;counter-reset:s;padding:0;margin:26px 0}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 52px;margin:0;
  border-left:1px solid var(--line);margin-left:15px}
.steps li:last-child{border-left-color:transparent;padding-bottom:0}
.steps li::before{
  content:counter(s);position:absolute;left:-15px;top:-2px;width:30px;height:30px;
  border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;
  font-size:.85rem;font-weight:700;
}
.steps h4{margin:2px 0 4px}
.steps p{margin:0;color:var(--ink-2);font-size:.96rem}

.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:2px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:28px 0}
.stat{background:#fff;padding:18px 20px}
.stat-v{display:block;font-family:var(--serif);font-size:1.7rem;font-weight:600;color:var(--brand);line-height:1.1}
.stat-l{display:block;font-size:.82rem;color:var(--ink-3);margin-top:6px;line-height:1.4}

.faqs{margin:8px 0 0}
.faq{border-bottom:1px solid var(--line)}
.faq summary{
  cursor:pointer;padding:16px 30px 16px 0;font-weight:600;font-size:1rem;
  list-style:none;position:relative;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:14px;font-size:1.3rem;
  color:var(--brand-2);font-weight:400}
.faq[open] summary::after{content:"\2212"}
.faq summary:hover{color:var(--brand-2)}
.faq div{padding:0 0 18px}
.faq p{margin:0 0 12px;color:var(--ink-2);font-size:.96rem}
.faq p:last-child{margin-bottom:0}

/* ---------------------------------------------------------- cards ----- */
.prose-grid{margin:30px 0 0}
.cardgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(258px,1fr));gap:14px;
  list-style:none;padding:0;margin:18px 0 34px}
.cardgrid a{
  display:block;height:100%;padding:20px 22px;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s;
}
.cardgrid a:hover{border-color:var(--brand-2);box-shadow:var(--shadow);transform:translateY(-1px)}
.cardgrid h3{font-size:1.05rem;color:var(--brand);margin:0 0 6px}
.cardgrid p{margin:0;font-size:.9rem;color:var(--ink-2);line-height:1.55}
.cardtag{display:inline-block;margin-top:12px;font-size:.7rem;font-weight:700;letter-spacing:.07em;
  text-transform:uppercase;color:var(--gold);background:var(--gold-wash);padding:3px 8px;border-radius:20px}

.cardlist{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:10px}
.cardlist a{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:var(--r);
  text-decoration:none;background:#fff;transition:border-color .15s}
.cardlist a:hover{border-color:var(--brand-2)}
.cardlist span{display:block;font-weight:600;color:var(--brand);margin-bottom:2px}
.cardlist em{display:block;font-style:normal;font-size:.88rem;color:var(--ink-3)}
.related{margin:52px 0 0;padding-top:32px;border-top:1px solid var(--line)}
.related h2{font-size:1.2rem}
.grouplede{color:var(--ink-2);font-size:.98rem;margin:6px 0 0}

.ctaband{
  display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;
  background:var(--brand-wash);border:1px solid #cfe0e2;border-radius:var(--r);
  padding:20px 24px;margin:34px 0;
}
.ctaband p{margin:0;font-family:var(--serif);font-size:1.1rem;color:var(--brand-ink)}

/* --------------------------------------------------------- sections --- */
.band{padding:64px 0;border-top:1px solid var(--line)}
.band-alt{background:var(--paper-2)}
.band-head{max-width:640px;margin:0 0 34px}
.band-head h2{margin-bottom:10px}
.band-head p{color:var(--ink-2);margin:0;font-size:1.03rem}

.trio{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.trio-item h3{color:var(--brand);margin-bottom:8px}
.trio-item p{margin:0;color:var(--ink-2);font-size:.96rem}
.trio-num{font-family:var(--serif);font-size:2.1rem;color:var(--gold-2);line-height:1;display:block;margin-bottom:10px}

/* --------------------------------------------------------- lead form -- */
.leadform{background:var(--brand-ink);color:#dce8ea;padding:70px 0;margin-top:70px}
.leadform-inner{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:start}
.leadform h2{color:#fff;font-size:clamp(1.6rem,1.2rem + 1.4vw,2.25rem)}
.leadform .eyebrow{color:var(--gold-2)}
.leadform .lede{color:#a9c4c8;font-size:1.02rem;margin:14px 0 22px}
.ticks{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:10px}
.ticks li{position:relative;padding-left:28px;font-size:.94rem;color:#c3d8db;line-height:1.5}
.ticks li::before{
  content:"";position:absolute;left:0;top:.45em;width:15px;height:9px;
  border-left:2px solid var(--gold-2);border-bottom:2px solid var(--gold-2);
  transform:rotate(-45deg);
}
.leadform-meta{font-size:.85rem;color:#7fa0a6;border-top:1px solid rgba(255,255,255,.12);
  padding-top:18px;margin:0;line-height:1.55}

.leadform-form{background:#fff;border-radius:14px;padding:30px;color:var(--ink);
  box-shadow:0 30px 70px -28px rgba(0,0,0,.6)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
.f{margin:0 0 15px}
.f-wide{grid-column:1/-1}
.f label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:5px}
.f .req{color:var(--danger)}
.f .opt{font-weight:400;color:var(--ink-3)}
.f input,.f select,.f textarea{
  width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;
  font:inherit;font-size:.94rem;background:#fff;color:var(--ink);
}
.f textarea{resize:vertical;min-height:88px}
.f input:focus,.f select:focus,.f textarea:focus{border-color:var(--brand-2);outline-offset:1px}
.f input.err,.f select.err{border-color:var(--danger);background:var(--danger-wash)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* two-step form */
.fstep{border:0;margin:0;padding:0;min-width:0}
.fstep legend{
  display:block;width:100%;font-family:var(--serif);font-size:1.12rem;font-weight:600;
  color:var(--ink);margin:0 0 16px;padding:0;
}
.fstep legend em{display:block;font-family:var(--sans);font-style:normal;font-size:.82rem;
  font-weight:400;color:var(--ink-3);margin-top:3px}
.fstep-n{
  display:inline-block;font-family:var(--sans);font-size:.68rem;font-weight:700;
  letter-spacing:.09em;text-transform:uppercase;color:var(--brand-2);
  background:var(--brand-wash);padding:3px 8px;border-radius:20px;margin-right:8px;
  vertical-align:2px;
}
.fsteps{display:flex;gap:6px;margin:0 0 18px}
.fsteps span{flex:1;height:3px;border-radius:3px;background:var(--line);transition:background .25s}
.fsteps span.on{background:var(--gold-2)}
.fback{
  display:block;width:100%;margin:12px 0 0;padding:8px;border:0;background:none;
  font:inherit;font-size:.85rem;color:var(--ink-3);cursor:pointer;
}
.fback:hover{color:var(--brand);text-decoration:underline}

.consent{margin:6px 0 20px;font-size:.82rem;color:var(--ink-3);line-height:1.55}
.consent label{display:flex;gap:10px;align-items:flex-start;cursor:pointer}
.consent input{margin-top:3px;flex:0 0 auto;width:16px;height:16px;accent-color:var(--brand)}
.formnote{font-size:.78rem;color:var(--ink-3);text-align:center;margin:12px 0 0}
.formstatus{margin-top:14px;font-size:.9rem;border-radius:8px;padding:0}
.formstatus.err{background:var(--danger-wash);color:var(--danger);padding:12px 14px}
.formstatus.ok{background:#eaf5ef;color:var(--ok);padding:12px 14px}

/* ---------------------------------------------------------- footer ---- */
.site-foot{background:var(--paper-2);border-top:1px solid var(--line);margin-top:0;padding:56px 0 34px}
.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:34px}
.fcol h3{font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-3);margin:0 0 12px}
.fcol ul{list-style:none;margin:0;padding:0}
.fcol li{margin:0 0 8px}
.fcol a{color:var(--ink-2);text-decoration:none;font-size:.9rem}
.fcol a:hover{color:var(--brand);text-decoration:underline}
.fbot{margin-top:40px;padding-top:24px;border-top:1px solid var(--line)}
.fdisc{font-size:.8rem;color:var(--ink-3);line-height:1.6;margin:0 0 16px;max-width:80ch}
.fdisc strong{color:var(--ink-2)}
.fmeta{font-size:.8rem;color:var(--ink-3);margin:0}
.fmeta a{color:var(--ink-3)}

/* ----------------------------------------------------- answer box ----- */
.answerbox{
  background:linear-gradient(180deg,#fdf8ee,#fdfaf4);
  border:1px solid #ecdcbd;border-left:4px solid var(--gold-2);
  border-radius:0 var(--r) var(--r) 0;padding:20px 24px;margin:0 0 30px;
}
.answerbox-tag{
  display:block;font-size:.7rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--gold);margin-bottom:8px;
}
.answerbox p{
  margin:0;font-family:var(--serif);font-size:1.14rem;line-height:1.55;color:var(--ink);
}
.answerbox strong{color:var(--brand)}

/* ------------------------------------------------------- spec / fit --- */
.specbox{margin:0 0 8px}
.specbox h2{margin:0 0 12px}
table.spec{min-width:0}
table.spec th[scope="row"]{
  width:38%;background:var(--paper-2);font-weight:600;color:var(--ink-2);
  font-size:.86rem;border-bottom:1px solid var(--line-2);vertical-align:top;
}
table.spec td{font-size:.93rem}

.fitbox{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:26px 0 34px}
.fit{padding:18px 20px;border-radius:var(--r);border:1px solid var(--line)}
.fit h3{font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.09em;
  text-transform:uppercase;margin:0 0 8px}
.fit p{margin:0;font-size:.94rem;color:var(--ink-2);line-height:1.55}
.fit-yes{background:#f0f8f3;border-color:#cfe6d9}
.fit-yes h3{color:var(--ok)}
.fit-no{background:var(--danger-wash);border-color:#f0d5ce}
.fit-no h3{color:var(--danger)}

.formdone{text-align:left}
.formdone h3{font-size:1.35rem;color:var(--brand);margin:0 0 12px}
.formdone p{font-size:.96rem;color:var(--ink-2);margin:0 0 14px}

/* ----------------------------------------------------------- tools ---- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;margin:30px 0}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}
.calc label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:5px}
.calc input,.calc select{width:100%;padding:10px 12px;border:1px solid var(--line);
  border-radius:8px;font:inherit;font-size:.95rem}
.calc-out{margin-top:24px;padding-top:22px;border-top:1px solid var(--line)}
.calc-res{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:2px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.calc-res div{background:var(--paper-2);padding:16px 18px}
.calc-res b{display:block;font-family:var(--serif);font-size:1.5rem;color:var(--brand);font-weight:600}
.calc-res span{display:block;font-size:.78rem;color:var(--ink-3);margin-top:4px}
.calc-note{font-size:.82rem;color:var(--ink-3);margin:16px 0 0;line-height:1.55}

/* ---------------------------------------------------------- glossary -- */
.gloss-nav{display:flex;flex-wrap:wrap;gap:5px;margin:24px 0 30px}
.gloss-nav a{padding:5px 10px;border:1px solid var(--line);border-radius:6px;
  text-decoration:none;font-size:.85rem;font-weight:600;color:var(--ink-2);background:#fff}
.gloss-nav a:hover{border-color:var(--brand-2);color:var(--brand)}
.gloss-group{margin:0 0 34px}
.gloss-group h2{font-size:1.5rem;color:var(--gold);border-bottom:1px solid var(--line);padding-bottom:8px}

/* ------------------------------------------------------- responsive --- */
@media (max-width:1000px){
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .leadform-inner{grid-template-columns:1fr;gap:36px}
}
@media (max-width:820px){
  body{font-size:16.5px}
  .navtoggle{
    display:block;margin-left:auto;width:42px;height:38px;border:1px solid var(--line);
    background:#fff;border-radius:8px;cursor:pointer;position:relative;
  }
  .navtoggle span,.navtoggle span::before,.navtoggle span::after{
    content:"";position:absolute;left:11px;width:18px;height:2px;background:var(--ink);border-radius:2px;
  }
  .navtoggle span{top:18px}
  .navtoggle span::before{top:-6px;left:0}
  .navtoggle span::after{top:6px;left:0}
  .site-nav{
    display:none;order:3;width:100%;margin:0 0 12px;border-top:1px solid var(--line);padding-top:10px;
  }
  .site-nav.open{display:block}
  .site-nav ul{flex-direction:column;gap:0}
  .site-nav a{padding:11px 8px;font-size:1rem;border-radius:0}
  .head-inner{flex-wrap:wrap}
  .head-cta{display:none}
  .toc ol{columns:1}
  .fgrid{grid-template-columns:1fr}
  .hero{padding:52px 0 60px}
  .leadform{padding:52px 0}
  .leadform-form{padding:22px}
  .ctaband{flex-direction:column;align-items:flex-start}
  .fitbox{grid-template-columns:1fr}
  table.spec th[scope="row"]{width:42%}
}
@media print{
  .site-head,.site-foot,.leadform,.ctaband,.toc,.related{display:none}
  body{font-size:11pt}
}

/* ======================================================================
   HARD MONEY FACTS - theme override + calculator components
   Appended after the shared base so these rules win at equal specificity.
   ====================================================================== */

:root{
  --brand:#17313d;         /* deep harbour */
  --brand-2:#22586b;
  --brand-ink:#0e2230;
  --brand-wash:#e7eef1;

  --gold:#b1571b;          /* copper - signals cost, which is the whole subject */
  --gold-2:#d97a2b;
  --gold-wash:#fdf2e9;

  --danger:#8f2f22;
  --danger-wash:#fdf1ee;
  --ok:#1f6b4a;
  --ok-wash:#eef6f2;
}

/* ------------------------------------------------------------ hero --- */
.hero{
  background:
    radial-gradient(900px 420px at 80% -10%, rgba(217,122,43,.18), transparent 62%),
    linear-gradient(168deg,#17313d 0%,#0e2230 66%,#0a1a24 100%);
  padding:78px 0 86px;
}
.hero-inner{display:block;max-width:920px}
.hero h1{color:#fff;font-size:clamp(2rem,1.2rem + 2.9vw,3.3rem);line-height:1.14}
.hero h1 br{display:none}
@media(min-width:820px){.hero h1 br{display:inline}}
.hero-eyebrow{
  font-size:.76rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--gold-2);margin:0 0 16px;
}
.hero-lede{font-size:1.14rem;color:#c2d3d9;max-width:60ch;margin:20px 0 0;line-height:1.62}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero-cta .btn-lg{width:auto}
.hero-cta .btn-ghost{color:#fff;border-color:rgba(255,255,255,.34);background:transparent}
.hero-cta .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.07)}
.hero-ticks{
  margin:36px 0 0;padding:18px 0 0;border-top:1px solid rgba(255,255,255,.14);
  display:flex;gap:26px;flex-wrap:wrap;list-style:none;
}
.hero-ticks li{font-size:.85rem;color:#9fbcc2;display:flex;gap:8px;align-items:baseline}
.hero-ticks li::before{content:"\2014";color:var(--gold-2)}

/* ----------------------------------------------------------- bands --- */
.bandlede{color:var(--ink-2);font-size:1.03rem;max-width:62ch;margin:-6px 0 26px}
.bandmore{margin:8px 0 0;font-size:.92rem;color:var(--ink-3)}
.bandmore a{font-weight:600}
.cardgrid-3{grid-template-columns:repeat(auto-fit,minmax(272px,1fr))}
.cardgrid-4{grid-template-columns:repeat(auto-fit,minmax(232px,1fr));display:grid;gap:14px}
.card-plain{
  padding:22px 24px;background:var(--paper);border:1px solid var(--line);
  border-radius:var(--r);border-top:3px solid var(--gold);
}
.card-plain h3{font-size:1.02rem;margin:0 0 8px;line-height:1.32}
.card-plain h3 a{color:var(--brand);text-decoration:none}
.card-plain h3 a:hover{color:var(--gold);text-decoration:underline}
.card-plain p{margin:0;font-size:.9rem;color:var(--ink-2);line-height:1.58}

/* -------------------------------------------------------- callouts --- */
.callout-money{background:var(--brand-wash);border-left-color:var(--brand-2)}
.callout-money .callout-tag{color:var(--brand-2)}

/* -------------------------------------------------------- glossary --- */
.alphabet{display:flex;flex-wrap:wrap;gap:6px;margin:6px 0 30px}
.alphabet a{
  display:inline-flex;align-items:center;justify-content:center;min-width:34px;height:34px;
  border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:600;
  font-size:.88rem;color:var(--brand-2);background:var(--paper);
}
.alphabet a:hover{border-color:var(--brand-2);background:var(--brand-wash)}

/* ------------------------------------------------------- lead form --- */
.fhelp{display:block;margin-top:6px;font-size:.78rem;color:var(--ink-3);line-height:1.5}
.ctaband-calc{border-left:3px solid var(--gold)}

/* ======================================================================
   CALCULATORS
   ====================================================================== */
.calc{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  padding:0;margin:32px 0;overflow:hidden;
}
.calc-inputs{padding:8px 24px 24px}
.cgroup{border:0;border-top:1px solid var(--line-2);margin:0;padding:20px 0 4px}
.cgroup:first-of-type{border-top:0}
.cgroup legend{
  font-family:var(--serif);font-size:1.05rem;font-weight:600;color:var(--brand);
  padding:0;margin:0 0 4px;
}
.cgnote{margin:2px 0 14px;font-size:.85rem;color:var(--ink-3);line-height:1.55;max-width:66ch}
.cgnote strong{color:var(--ink-2)}
.cgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(226px,1fr));gap:14px 18px}
.cf{margin:0}
.cf-wide{grid-column:1/-1}
.calc label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:6px}
.cin{position:relative;display:block}
.cin input,.cin select{
  width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;
  font:inherit;font-size:.95rem;background:var(--paper);color:var(--ink);
}
.cin input:focus,.cin select:focus{border-color:var(--brand-2);outline:none;
  box-shadow:0 0 0 3px rgba(34,88,107,.12)}
.cin-pre input{padding-left:26px}
.cin-pre i{position:absolute;left:11px;top:50%;transform:translateY(-50%);
  font-style:normal;color:var(--ink-3);font-size:.92rem;pointer-events:none}
.cin-post input{padding-right:30px}
.cin-post i{position:absolute;right:12px;top:50%;transform:translateY(-50%);
  font-style:normal;color:var(--ink-3);font-size:.92rem;pointer-events:none}
.ch{display:block;margin-top:6px;font-size:.78rem;color:var(--ink-3);line-height:1.5}
.ch strong{color:var(--gold)}

/* ---- output ---- */
.calc-out{margin:0;padding:26px 24px 28px;border-top:1px solid var(--line);
  background:var(--paper-2)}
.calc-out h3{font-family:var(--serif);font-size:1.06rem;color:var(--brand);
  margin:26px 0 10px}
.ohead{text-align:center;padding:6px 0 20px}
.oeyebrow{font-size:.74rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--ink-3);margin:0 0 8px}
.obig{font-family:var(--serif);font-size:clamp(2.6rem,2rem + 2.6vw,3.8rem);font-weight:700;
  line-height:1;color:var(--gold);margin:0;letter-spacing:-.02em}
.osub{margin:12px auto 0;max-width:52ch;font-size:.9rem;color:var(--ink-2);line-height:1.55}

.ocompare{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r);
  overflow:hidden;margin:4px 0 20px}
.ocompare div{background:var(--paper);padding:15px 18px;text-align:center}
.ocompare span{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.07em;
  color:var(--ink-3);font-weight:700;margin-bottom:6px}
.ocompare strong{font-family:var(--serif);font-size:1.4rem;font-weight:600;color:var(--ink)}
.oc-real strong{color:var(--brand)}
.oc-gap{background:var(--gold-wash)}
.oc-gap strong{color:var(--gold)}

.otable{width:100%;border-collapse:collapse;font-size:.93rem;background:var(--paper)}
.otable th,.otable td{padding:10px 14px;border-bottom:1px solid var(--line-2);text-align:left}
.otable th[scope=row]{font-weight:500;color:var(--ink-2)}
.otable td{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.otable thead th{font-size:.74rem;text-transform:uppercase;letter-spacing:.07em;
  color:var(--ink-3);font-weight:700;border-bottom:1px solid var(--line)}
.otable thead th:not(:first-child){text-align:right}
.rnote{display:block;font-size:.76rem;color:var(--ink-3);font-weight:400}
.otable tr.ototal th,.otable tr.ototal td{font-weight:700;color:var(--ink);
  background:var(--paper-3);border-bottom:1px solid var(--line)}
.otable tr.ogood td,.otable td.ogood{color:var(--ok);font-weight:700}
.otable tr.obad td,.otable td.obad{color:var(--danger);font-weight:700}
.ostress td{text-align:right}
.ostress th[scope=row]{white-space:nowrap}

.obreak{margin:22px 0 4px;padding:20px 22px;border-radius:var(--r);
  background:var(--brand);color:#dfeaee;text-align:center}
.obl{margin:0;font-size:.74rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:#8fb2bd}
.obv{font-family:var(--serif);font-size:2.2rem;font-weight:700;color:#fff;margin:8px 0 0;
  letter-spacing:-.015em}
.obn{margin:10px auto 0;max-width:56ch;font-size:.86rem;color:#a9c4cc;line-height:1.55}

.flag{margin:14px 0;padding:13px 16px;border-radius:8px;font-size:.91rem;line-height:1.58;
  background:var(--gold-wash);border-left:3px solid var(--gold);color:var(--ink-2)}
.flag.ogood{background:var(--ok-wash);border-left-color:var(--ok)}
.flag.obad{background:var(--danger-wash);border-left-color:var(--danger)}
.flag.ook{background:var(--paper-3);border-left-color:var(--ink-3)}
.flag strong{color:var(--ink)}
.ofoot{margin:20px 0 0;font-size:.8rem;color:var(--ink-3);line-height:1.55}

@media(min-width:1020px){
  .calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.92fr);align-items:start}
  .calc-inputs{padding:16px 26px 26px;border-right:1px solid var(--line)}
  .calc-out{border-top:0;padding:24px 26px 30px;position:sticky;top:84px;
    max-height:calc(100vh - 96px);overflow-y:auto}
}
@media(max-width:560px){
  .cgrid{grid-template-columns:1fr}
  .ocompare{grid-template-columns:1fr}
}

/* ------------------------------------------ state licensing table --- */
.tier{
  display:inline-block;padding:3px 9px;border-radius:20px;font-size:.72rem;font-weight:700;
  letter-spacing:.03em;line-height:1.35;white-space:normal;
}
.t-all {background:#fdecea;color:#8f2f22;border:1px solid #f3c9c2}
.t-resi{background:var(--gold-wash);color:var(--gold);border:1px solid #f0d4bb}
.t-reg {background:var(--brand-wash);color:var(--brand-2);border:1px solid #cfdfe4}
.t-var {background:var(--brand-wash);color:var(--brand-2);border:1px solid #cfdfe4}
.t-unk {background:var(--paper-3);color:var(--ink-3);border:1px solid var(--line)}
.srcref{font-size:.76rem;white-space:nowrap}

/* -------------------------------------------- short lead form --- */
.leadform-quick .fstep{border:0;padding:0;margin:0}
.leadform-quick legend{font-family:var(--serif);font-size:1.1rem;font-weight:600;
  color:var(--brand);padding:0;margin:0 0 16px}
.leadform-quick legend em{display:block;font-style:normal;font-size:.83rem;font-weight:400;
  color:var(--ink-3);margin-top:4px;font-family:var(--sans)}
.leadform-quick .btn-lg{width:100%;margin-top:6px}
.consent-more{font-weight:600;white-space:nowrap}
.tcpa{margin:10px 0 0;border:1px solid var(--line);border-radius:8px;background:var(--paper-2)}
.tcpa summary{cursor:pointer;padding:9px 13px;font-size:.8rem;font-weight:600;
  color:var(--ink-2);list-style:none}
.tcpa summary::-webkit-details-marker{display:none}
.tcpa summary::before{content:"\25B8 ";color:var(--ink-3)}
.tcpa[open] summary::before{content:"\25BE "}
.tcpa > div{padding:0 13px 12px}
.tcpa p{margin:0;font-size:.79rem;line-height:1.6;color:var(--ink-3)}
.tcpa strong{color:var(--ink-2)}