/* ============================================================
   SOUTHERN GROUND CAPITAL — style.css
   Design Archetype: Premium Finance
   Palette: Forest Green (#2B4A30) + Amber (#9B6820) — from actual SGC logo
   ============================================================ */

/* === VARIABLES === */
:root {
  /* Brand palette — extracted from actual SGC logo */
  --forest-deep:  #16261C;   /* hero, footer, dark sections */
  --forest-mid:   #1E3226;   /* dark card surfaces */
  --forest-accent:#2B4A30;   /* logo text green — borders/accents */
  --amber:        #9B6820;   /* logo tree color — primary accent, all CTAs */
  --amber-dark:   #7A5218;   /* hover states */
  --amber-light:  #F5EDD6;   /* very light tints */
  --amber-xlight: #FAF4E8;   /* subtle backgrounds */

  /* Keep legacy names pointing to new values for easier reference */
  --navy-deep:    var(--forest-deep);
  --navy-mid:     var(--forest-mid);
  --gold:         var(--amber);
  --gold-dark:    var(--amber-dark);
  --gold-light:   var(--amber-light);
  --gold-xlight:  var(--amber-xlight);

  /* Neutrals */
  --white:        #FFFFFF;
  --off-white:    #F5F7F4;   /* light section backgrounds — slight green tint */
  --surface:      #FFFFFF;   /* card surfaces */
  --border:       #DAE3DC;   /* light-mode borders — slight green tint */
  --border-dark:  rgba(255,255,255,0.08);  /* dark-mode borders */

  /* Text */
  --text:         #1C2B20;   /* primary on light — deep green-black */
  --text-muted:   #556B5C;   /* secondary on light */
  --text-light:   #EEEEEE;   /* primary on dark */
  --text-muted-dark: #93AE9A; /* secondary on dark */

  /* Comparison table colors */
  --good-text:    #0A5C30;
  --good-bg:      #E6F4ED;
  --bad-text:     #8B1A1A;
  --bad-bg:       #FDEDED;
  --neutral-text: #374151;
  --neutral-bg:   #F3F4F6;

  /* Typography */
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', -apple-system, system-ui, sans-serif;

  /* Spacing */
  --section-py:      96px;
  --section-py-sm:   56px;
  --container-max:   1200px;
  --container-pad:   clamp(1rem, 5vw, 2.5rem);

  /* Radii */
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;

  /* Shadows */
  --shadow-sm:    0 1px 4px rgba(0,0,0,0.06);
  --shadow-md:    0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg:    0 12px 48px rgba(0,0,0,0.14);
  --shadow-amber: 0 4px 20px rgba(155,104,32,0.35);
  --shadow-gold:  var(--shadow-amber);

  /* Transitions */
  --t-fast: 0.15s ease;
  --t-base: 0.25s ease;
  --t-slow: 0.4s ease;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img, video, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }
address { font-style: normal; }
cite { font-style: normal; }
select { -webkit-appearance: none; appearance: none; }

/* === ACCESSIBILITY === */
.skip-nav {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--gold);
  color: #000;
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  z-index: 9999;
  transition: top var(--t-fast);
}
.skip-nav:focus { top: 1rem; }

/* === TYPOGRAPHY === */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  line-height: 1.1;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.75rem, 7vw, 5.5rem); font-weight: 900; }
h2 { font-size: clamp(2rem, 4.5vw, 3.5rem); font-weight: 800; }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.6rem); font-weight: 700; font-family: var(--font-body); }
p { line-height: 1.75; }

/* === LAYOUT === */
.container {
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}
.section--light  { background: var(--off-white); }
.section--white  { background: var(--white); }

/* Eyebrow labels */
.section-eyebrow {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-eyebrow--light { color: var(--gold); }

.section-heading {
  color: var(--text);
  margin-bottom: 1.25rem;
}
.section-heading--light { color: var(--white); }

.section-sub {
  max-width: 600px;
  color: var(--text-muted);
  font-size: 1.05rem;
  margin-bottom: 3rem;
  line-height: 1.75;
}
.section-sub--light { color: var(--text-muted-dark); }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  min-height: 48px;
  min-width: 48px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  transition: all var(--t-base);
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
  text-decoration: none;
}
.btn-lg { padding: 1rem 2.25rem; font-size: 1rem; }
.btn-full { width: 100%; }

.btn-gold {
  background: var(--gold);
  color: #0B1628;
  font-weight: 700;
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 28px rgba(155,104,32,0.45);
}
.btn-gold:active { transform: translateY(0); }

.btn-outline-gold {
  background: transparent;
  border-color: var(--gold);
  color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: #0B1628;
  transform: translateY(-2px);
}

.btn-ghost-gold {
  background: rgba(155,104,32,0.1);
  border-color: rgba(155,104,32,0.3);
  color: var(--gold);
}
.btn-ghost-gold:hover {
  background: rgba(155,104,32,0.18);
  border-color: var(--gold);
  transform: translateY(-2px);
}

.btn-ghost-white {
  background: transparent;
  border-color: rgba(255,255,255,0.4);
  color: #fff;
}
.btn-ghost-white:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-2px);
}

/* === LANGUAGE ANNOUNCEMENT BAR === */
.lang-bar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1001;
  height: 42px;
  background: var(--forest-accent);
  border-bottom: 1px solid rgba(155,104,32,0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  padding-inline: var(--container-pad);
  transition: transform var(--t-base), opacity var(--t-base);
}
.lang-bar.bar-hiding {
  transform: translateY(-100%);
  opacity: 0;
  pointer-events: none;
}
.lang-bar__text {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--amber-light);
  letter-spacing: 0.02em;
  text-align: center;
}
.lang-bar__link {
  color: var(--amber);
  font-weight: 700;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
  margin-left: 0.35rem;
  transition: color var(--t-fast);
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 0 4px;
}
.lang-bar__link:hover { color: #fff; }
.lang-bar__close {
  position: absolute;
  right: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: var(--amber-light);
  opacity: 0.55;
  font-size: 1.1rem;
  line-height: 1;
  cursor: pointer;
  padding: 0;
  min-width: 48px;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: opacity var(--t-fast);
}
.lang-bar__close:hover { opacity: 1; }

body.bar-visible .site-header { top: 42px; }
body.bar-visible .hero { padding-top: calc(80px + 42px); }

/* === NAVIGATION === */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy-deep);
  transition: box-shadow var(--t-base), top var(--t-base);
}
.site-header.scrolled {
  box-shadow: 0 2px 32px rgba(0,0,0,0.45);
}

.nav-container {
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
  height: 80px;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

/* Logo — horizontal lockup: tree mark + company name text */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo-img {
  height: 44px;
  width: auto;
  display: block;
  filter: brightness(0) invert(1) sepia(0.12) brightness(0.96);
}
.nav-logo-name {
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 700;
  line-height: 1.25;
  color: rgba(255,255,255,0.92);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
/* Footer logo */
.footer-logo-img {
  height: 80px;
  width: auto;
  display: block;
  filter: brightness(0) invert(1) sepia(0.12) brightness(0.96);
  margin-bottom: 1rem;
}
/* Fallback text mark (used if logo.png not found) */
.logo-mark {
  width: 40px;
  height: 40px;
  background: var(--amber);
  color: var(--forest-deep);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-body);
  font-weight: 800;
  font-size: 1rem;
  letter-spacing: 0.02em;
  flex-shrink: 0;
}
.logo-mark--sm {
  width: 34px;
  height: 34px;
  font-size: 0.875rem;
}
.logo-wordmark {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.logo-top {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
}
.logo-bottom {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: #fff;
  text-transform: uppercase;
}

.nav-links {
  display: none;
  gap: 0;
  margin-left: auto;
}
.nav-links a {
  font-size: 0.825rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.7);
  padding: 0.75rem 0.875rem;
  min-height: 48px;
  min-width: 48px;
  display: inline-flex;
  align-items: center;
  border-radius: var(--radius-sm);
  transition: color var(--t-fast), background var(--t-fast);
}
.nav-links a:hover {
  color: #fff;
  background: rgba(255,255,255,0.06);
}

.nav-actions {
  display: none;
  align-items: center;
  gap: 1rem;
  margin-left: 1rem;
}
.lang-pill {
  display: flex;
  align-items: center;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 6px;
  overflow: hidden;
  flex-shrink: 0;
}
.lang-pill__opt {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.45);
  padding: 0 0.75rem;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  white-space: nowrap;
  transition: color var(--t-fast), background var(--t-fast);
}
.lang-pill__opt:hover { color: #fff; }
.lang-pill__opt--active {
  background: var(--amber);
  color: #fff;
}
.lang-pill__opt--active:hover { color: #fff; }
.lang-pill__div {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.2);
  padding: 0 1px;
  pointer-events: none;
  user-select: none;
}
.nav-phone {
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  white-space: nowrap;
  transition: color var(--t-fast);
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  padding: 0 0.5rem;
}
.nav-phone:hover { color: var(--gold); }
.nav-cta { flex-shrink: 0; }

/* Hamburger */
.hamburger {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  width: 48px;
  height: 48px;
  padding: 0;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all var(--t-base);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
  background: var(--navy-mid);
  border-top: 1px solid var(--border-dark);
  padding: 1.5rem var(--container-pad) 2rem;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height var(--t-slow), opacity var(--t-base);
}
.mobile-menu.open { max-height: 520px; opacity: 1; }
.mobile-menu ul {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 1.5rem;
}
.mobile-menu a {
  font-size: 1rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
  padding: 1rem 0;
  min-height: 48px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--border-dark);
  transition: color var(--t-fast);
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-phone-link {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  text-align: center;
  margin-top: 1rem;
  font-size: 0.9rem;
  color: var(--gold) !important;
  font-weight: 600;
  border-bottom: none !important;
}

/* === HERO === */
.hero {
  background: var(--navy-deep);
  padding-top: 80px; /* nav height */
  min-height: 100svh;
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

/* Video background */
.hero-video-wrap {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

/* Dark overlay — sits above video, keeps text readable */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    radial-gradient(ellipse at 70% 40%, rgba(155,104,32,0.07) 0%, transparent 65%),
    radial-gradient(ellipse at 10% 80%, rgba(43,74,48,0.3) 0%, transparent 60%),
    rgba(16, 30, 20, 0.78);
  pointer-events: none;
}

/* Mobile: hide video, navy-deep bg is the fallback */
@media (max-width: 899px) {
  .hero-video-wrap { display: none; }
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  padding-block: 5rem 6rem;
  position: relative;
  z-index: 2;
}

.hero-content { }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(155,104,32,0.1);
  border: 1px solid rgba(155,104,32,0.3);
  border-radius: 100px;
  padding: 0.35rem 0.875rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.75rem;
}
.badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.4; transform: scale(0.7); }
}

.hero-heading {
  color: #fff;
  margin-bottom: 1.5rem;
}
.text-gold { color: var(--gold); }

.hero-sub {
  font-size: clamp(1rem, 2.5vw, 1.15rem);
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin-bottom: 2rem;
  line-height: 1.8;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.875rem;
  margin-bottom: 2rem;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  align-items: center;
  font-size: 0.825rem;
  color: rgba(255,255,255,0.5);
  font-weight: 500;
}
.trust-dot { color: var(--gold); opacity: 0.5; }

/* Stats panel — unique split hero element */
.hero-stats-panel {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(155,104,32,0.2);
  border-radius: var(--radius-lg);
  padding: 2rem;
  backdrop-filter: blur(8px);
}
.stats-panel-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 1.5rem;
  border-bottom: 1px solid var(--border-dark);
  padding-bottom: 0.875rem;
}
.stats-panel-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-bottom: 1.75rem;
}
.stat-cell { text-align: center; }
.stat-num {
  display: block;
  font-family: var(--font-body);
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.35rem;
  letter-spacing: -0.02em;
}
.stat-desc {
  display: block;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 600;
}
.stats-programs {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: 1rem;
  margin-bottom: 1.5rem;
}
.stats-programs-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: 0.75rem;
}
.stats-programs-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}
.stats-programs-tags span {
  font-size: 0.75rem;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  background: rgba(255,255,255,0.06);
  border-radius: 4px;
  padding: 0.2rem 0.6rem;
}

/* Scroll cue */
.hero-scroll {
  position: absolute;
  bottom: 2.5rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
}
.scroll-line {
  width: 1px;
  height: 48px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollLine 2s ease-in-out infinite;
}
@keyframes scrollLine {
  0%   { transform: scaleY(0); transform-origin: top; }
  50%  { transform: scaleY(1); transform-origin: top; }
  51%  { transform: scaleY(1); transform-origin: bottom; }
  100% { transform: scaleY(0); transform-origin: bottom; }
}

/* === PROBLEM SECTION === */
.problem-section {
  padding-block: var(--section-py);
  text-align: center;
}
.problem-section .section-heading { color: var(--text); }
.problem-section .section-sub { margin-inline: auto; }

.problem-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 3rem;
  text-align: left;
}
.problem-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
}
.problem-card:hover {
  border-color: rgba(155,104,32,0.4);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.problem-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-xlight);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  margin-bottom: 1.25rem;
}
.problem-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.625rem;
}
.problem-card p {
  font-size: 0.925rem;
  color: var(--text-muted);
  line-height: 1.75;
}

/* === COMPARISON TABLE === */
.comparison-section {
  padding-block: var(--section-py);
}
.comparison-wrap {
  margin-top: 3rem;
}
.comparison-scroll {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.comparison-table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  font-size: 0.9rem;
}
@media (max-width: 699px) {
  .comparison-table { min-width: unset; }
  .comparison-table th,
  .comparison-table td { padding: 0.75rem 0.875rem; font-size: 0.8rem; }
}
.comparison-table thead tr {
  background: var(--navy-deep);
}
.comparison-table thead th {
  padding: 1.125rem 1.25rem;
  text-align: left;
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  border-bottom: none;
}
.comparison-table thead .col-sgc {
  background: rgba(155,104,32,0.12);
  color: var(--gold);
}
.sgc-th-inner {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.sgc-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.15rem 0.5rem;
  border-radius: 100px;
  width: fit-content;
}
.comparison-table tbody tr {
  border-bottom: 1px solid var(--border);
  transition: background var(--t-fast);
}
.comparison-table tbody tr:last-child { border-bottom: none; }
.comparison-table tbody tr:hover { background: var(--off-white); }
.comparison-table tbody td {
  padding: 0.875rem 1.25rem;
  color: var(--text-muted);
}
.col-factor {
  font-weight: 600;
  color: var(--text) !important;
  background: var(--off-white);
  min-width: 160px;
}
.good {
  background: var(--good-bg);
  color: var(--good-text) !important;
  font-weight: 600;
}
.bad {
  background: var(--bad-bg);
  color: var(--bad-text) !important;
}
.neutral {
  background: var(--neutral-bg);
  color: var(--neutral-text) !important;
}
.col-sgc {
  background: rgba(155,104,32,0.06) !important;
}

/* === HOW IT WORKS === */
.how-it-works {
  padding-block: var(--section-py);
}
.hiw-timeline {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 3rem;
  margin-bottom: 3rem;
}
.hiw-step {
  display: flex;
  gap: 1.75rem;
  align-items: flex-start;
}
.hiw-num {
  font-family: var(--font-body);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  flex-shrink: 0;
  width: 70px;
  text-align: center;
  opacity: 0.4;
}
.hiw-body {
  flex: 1;
  padding-bottom: 2rem;
}
.hiw-body h3 {
  font-size: 1.25rem;
  color: var(--text);
  margin-bottom: 0.625rem;
}
.hiw-body p {
  font-size: 0.925rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
  line-height: 1.75;
}
.hiw-checks {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.hiw-checks li {
  font-size: 0.875rem;
  color: var(--text-muted);
  padding-left: 1.25rem;
  position: relative;
}
.hiw-checks li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.hiw-connector {
  display: flex;
  justify-content: center;
  width: 70px;
  flex-shrink: 0;
  padding: 0.25rem 0;
}
.connector-line {
  width: 2px;
  height: 32px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  opacity: 0.3;
}
.hiw-cta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.hiw-note {
  font-size: 0.825rem;
  color: var(--text-muted);
  font-weight: 500;
}

/* === LOAN PROGRAMS === */
.loan-programs {
  padding-block: var(--section-py);
}
.programs-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}
.program-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
  display: flex;
  flex-direction: column;
}
.program-card:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 24px rgba(155,104,32,0.15);
  transform: translateY(-3px);
}
.program-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
}
.program-num {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  color: var(--gold);
  background: var(--gold-xlight);
  padding: 0.25rem 0.6rem;
  border-radius: 4px;
}
.program-tag {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-deep);
  background: var(--gold);
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
}
.program-name {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.5rem;
}
.program-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
  line-height: 1.65;
  flex: 1;
}
.program-metrics {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.5rem;
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 1rem;
}
.metric { display: flex; flex-direction: column; gap: 0.2rem; }
.metric-l {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.metric-v {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
}

/* Rates note */
.rates-note {
  background: var(--navy-deep);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
}
.rates-note-inner {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.rates-note-text strong {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 0.5rem;
  font-family: var(--font-body);
}
.rates-note-text p {
  font-size: 0.875rem;
  color: var(--text-muted-dark);
  line-height: 1.7;
}

/* === CASE STUDY === */
.case-study {
  background: var(--navy-deep);
  padding-block: var(--section-py);
}
.case-study .section-heading--light { margin-bottom: 0.75rem; }

.deal-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(155,104,32,0.2);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 3rem;
}
.deal-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.75rem;
  background: rgba(155,104,32,0.08);
  border-bottom: 1px solid rgba(155,104,32,0.15);
  flex-wrap: wrap;
  gap: 0.75rem;
}
.deal-badge {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.deal-result {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
}
.deal-result strong { color: var(--gold); }

.deal-ledger {
  padding: 1.75rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.ledger-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.625rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.ledger-row:last-child { border-bottom: none; }
.ledger-label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
}
.ledger-value {
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  font-family: var(--font-body);
}
.ledger-row--sub .ledger-label { padding-left: 1rem; }
.ledger-divider {
  height: 1px;
  background: rgba(155,104,32,0.15);
  margin: 0.75rem 0;
}
.ledger-row--highlight .ledger-label { color: rgba(255,255,255,0.8); font-weight: 600; }
.ledger-row--profit .ledger-label { color: var(--gold); font-weight: 700; font-size: 0.95rem; }
.ledger-row--profit .ledger-value { font-size: 1.15rem; }

.deal-quote {
  padding: 1.75rem;
}
.deal-quote blockquote {
  font-family: var(--font-heading);
  font-size: clamp(1rem, 2.5vw, 1.25rem);
  font-weight: 700;
  color: rgba(255,255,255,0.8);
  line-height: 1.6;
  font-style: italic;
  margin-bottom: 1rem;
}
.deal-quote blockquote::before { content: '"'; }
.deal-quote blockquote::after { content: '"'; }
.deal-quote cite {
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* === TESTIMONIALS === */
.testimonials {
  padding-block: var(--section-py);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 3rem;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--t-base);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); }
.testimonial-card--featured {
  border-color: var(--gold);
  box-shadow: 0 0 0 1px rgba(155,104,32,0.2);
}
.testimonial-stars {
  color: var(--amber);
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}
.testimonial-card blockquote {
  flex: 1;
  margin-bottom: 1.25rem;
}
.testimonial-card blockquote p {
  font-size: 0.925rem;
  color: var(--text);
  line-height: 1.8;
  font-style: italic;
}
.testimonial-card blockquote p::before { content: '"'; }
.testimonial-card blockquote p::after { content: '"'; }
.t-meta {
  display: flex;
  align-items: center;
  gap: 0.875rem;
}
.t-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--forest-deep);
  color: var(--amber);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
  flex-shrink: 0;
}
.t-meta cite {
  display: block;
  font-size: 0.875rem;
  color: var(--text);
}
.t-meta span {
  display: block;
  font-size: 0.775rem;
  color: var(--text-muted);
  margin-top: 0.15rem;
}

/* === ABOUT === */
.about {
  padding-block: var(--section-py);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4rem;
}
.about-content .section-heading { margin-bottom: 1.25rem; }
.about-content > p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 1rem;
}
.about-pillars {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}
.about-pillar {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.pillar-icon {
  width: 40px;
  height: 40px;
  background: var(--gold-xlight);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  flex-shrink: 0;
}
.about-pillar div strong {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.25rem;
}
.about-pillar div p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* Team placeholder */
.about-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.team-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.team-photo-placeholder {
  height: 280px;
  background: var(--forest-deep);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.15);
  flex-direction: column;
  gap: 0.5rem;
  overflow: hidden;
}
.team-founder-photo {
  width: 100%;
  height: 280px;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.team-info {
  padding: 1.25rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}
.team-info strong {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
}
.team-info span {
  font-size: 0.825rem;
  color: var(--text-muted);
}
.team-location { color: var(--gold) !important; font-weight: 600 !important; font-size: 0.775rem !important; }

.about-stats-stack {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
.about-stat {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
}
.about-stat strong {
  display: block;
  font-family: var(--font-body);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.35rem;
}
.about-stat span {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

/* === LEAD MAGNET === */
.lead-magnet {
  background: var(--navy-mid);
  padding-block: var(--section-py);
}
.lead-magnet-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
}
.lm-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.875rem;
}
.lm-content h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 1rem;
  line-height: 1.2;
}
.lm-content > p {
  font-size: 0.925rem;
  color: var(--text-muted-dark);
  line-height: 1.75;
  margin-bottom: 1.5rem;
}
.lm-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.lm-list li {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  padding-left: 1.25rem;
  position: relative;
}
.lm-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.lm-form-wrap {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(155,104,32,0.2);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
}
.lm-form h3 {
  font-size: 1.15rem;
  color: #fff;
  margin-bottom: 0.25rem;
}
.lm-form .form-note {
  font-size: 0.825rem;
  color: var(--text-muted-dark);
  margin-bottom: 1.5rem;
}

/* === AFFILIATES === */
.affiliates {
  padding-block: var(--section-py);
}
.affiliates-inner { max-width: 760px; }
.affiliate-perks {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.875rem;
  margin: 2rem 0 2.5rem;
}
.affiliate-perk {
  display: flex;
  align-items: center;
  gap: 0.875rem;
  font-size: 0.925rem;
  color: var(--text-muted);
}
.perk-icon {
  width: 28px;
  height: 28px;
  background: var(--gold-xlight);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  color: var(--gold-dark);
  font-weight: 700;
  flex-shrink: 0;
}

/* === CTA BAND === */
.cta-band {
  background: var(--navy-deep);
  padding-block: 80px;
  text-align: center;
}
.cta-band-inner { max-width: 720px; margin-inline: auto; }
.cta-band-heading {
  color: #fff;
  margin-bottom: 1rem;
  font-size: clamp(1.75rem, 4vw, 3rem);
}
.cta-band-sub {
  color: rgba(255,255,255,0.6);
  font-size: 1.05rem;
  margin-bottom: 2.25rem;
}
.cta-band-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* === CONTACT === */
.contact {
  padding-block: var(--section-py);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4rem;
}
.contact-info .section-heading { margin-bottom: 1rem; }
.contact-info > p {
  font-size: 0.925rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
  line-height: 1.75;
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-bottom: 2rem;
}
.contact-details li {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
}
.ci-icon {
  width: 36px;
  height: 36px;
  background: var(--gold-xlight);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  flex-shrink: 0;
}
.contact-details div {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}
.contact-details strong {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.contact-details a,
.contact-details span {
  font-size: 0.95rem;
  color: var(--text);
}
.contact-details a:hover { color: var(--gold); }

.contact-trust-row {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.ct-badge {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  min-width: 80px;
}
.ct-badge strong {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
  line-height: 1;
  font-family: var(--font-body);
}
.ct-badge span {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}
.nmls-note {
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* Contact form */
.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-md);
}
.contact-form h3 {
  font-size: 1.25rem;
  color: var(--text);
  margin-bottom: 0.25rem;
}
.form-note {
  font-size: 0.825rem;
  color: var(--text-muted);
  margin-bottom: 1.75rem;
}

/* === SHARED FORM STYLES === */
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: 0.775rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 0.75rem 1rem;
  transition: border-color var(--t-fast), background var(--t-fast), box-shadow var(--t-fast);
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(155,104,32,0.1);
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235B6E85' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(0,0,0,0.25); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-group input.error,
.form-group select.error,
.form-group textarea.error { border-color: #C0392B; }
.form-error {
  display: block;
  font-size: 0.75rem;
  color: #C0392B;
  margin-top: 0.3rem;
  min-height: 1.1em;
}

/* Dark form variant (lead magnet) */
.lm-form .form-group input,
.lm-form .form-group textarea {
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.12);
  color: #fff;
}
.lm-form .form-group input:focus,
.lm-form .form-group textarea:focus {
  border-color: var(--gold);
  background: rgba(255,255,255,0.1);
}
.lm-form .form-group input::placeholder,
.lm-form .form-group textarea::placeholder { color: rgba(255,255,255,0.2); }
.lm-form .form-group label { color: rgba(255,255,255,0.5); }

.form-disclaimer {
  text-align: center;
  font-size: 0.775rem;
  color: var(--text-muted);
  margin-top: 0.875rem;
  line-height: 1.5;
}
.lm-form .form-disclaimer { color: var(--text-muted-dark); }

.form-success {
  margin-top: 1rem;
  background: rgba(10,92,48,0.1);
  border: 1px solid rgba(10,92,48,0.25);
  border-radius: var(--radius-sm);
  padding: 0.875rem 1rem;
  color: #0a5c30;
  font-size: 0.9rem;
  font-weight: 500;
  text-align: center;
}
.lm-form .form-success {
  background: rgba(10,92,48,0.15);
  color: #5dbd7f;
  border-color: rgba(93,189,127,0.3);
}

/* === BLOG SECTION (preview grid on main site) === */
.blog-section { background: var(--off-white); }
.blog-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 3rem;
}
.blog-card {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: box-shadow var(--t-base), transform var(--t-base);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.1);
  transform: translateY(-2px);
}
.blog-card-body { padding: 1.5rem 1.5rem 1rem; flex: 1; }
.blog-card-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 0.6rem;
}
.blog-card-title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.35;
  margin-bottom: 0.75rem;
}
.blog-card-excerpt {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.65;
}
.blog-card-footer {
  padding: 0.9rem 1.5rem;
  border-top: 1px solid var(--border);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.blog-card-meta { font-size: 0.75rem; color: var(--text-muted); }
.blog-card-read {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--amber);
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: 0 4px;
}
.blog-card-read:hover { color: var(--amber-dark); }
.blog-all-cta {
  text-align: center;
  margin-top: 2.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.75rem;
}
.blog-all-cta a { font-size: 0.875rem; color: var(--amber); font-weight: 600; }

/* === BLOG ARTICLE PAGES === */
.article-hero {
  background: var(--navy-deep);
  padding: 140px 0 64px;
  position: relative;
}
.article-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(155,104,32,0.07) 0%, transparent 65%);
  pointer-events: none;
}
.article-hero-inner { position: relative; max-width: 780px; }
.article-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  border: 1px solid rgba(155,104,32,0.4);
  padding: 0.25rem 0.7rem;
  border-radius: 4px;
  margin-bottom: 1.25rem;
}
.article-hero-title {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 4vw, 2.5rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 1rem;
}
.article-meta {
  font-size: 0.8rem;
  color: var(--text-muted-dark);
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.article-body {
  padding: 64px 0 80px;
  background: #fff;
}
.article-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  max-width: 1100px;
  margin: 0 auto;
  padding-inline: var(--container-pad);
}
.article-content { max-width: 720px; }
.article-content h2 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--text);
  margin: 2.5rem 0 0.75rem;
  line-height: 1.3;
}
.article-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  margin: 1.75rem 0 0.5rem;
}
.article-content p {
  font-size: 1rem;
  line-height: 1.8;
  color: #3a4a3e;
  margin-bottom: 1.25rem;
}
.article-content ul, .article-content ol {
  padding-left: 1.4rem;
  margin-bottom: 1.25rem;
}
.article-content li {
  font-size: 1rem;
  line-height: 1.75;
  color: #3a4a3e;
  margin-bottom: 0.4rem;
}
.article-content strong { color: var(--text); font-weight: 700; }
.article-callout {
  background: var(--amber-xlight);
  border-left: 4px solid var(--amber);
  padding: 1.25rem 1.5rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 2rem 0;
}
.article-callout p { margin: 0; font-size: 0.95rem; color: var(--text); }
.article-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0 2rem;
  font-size: 0.9rem;
}
.article-table th {
  background: var(--forest-mid);
  color: #fff;
  padding: 0.65rem 1rem;
  text-align: left;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.article-table td {
  padding: 0.65rem 1rem;
  border-bottom: 1px solid var(--border);
  color: #3a4a3e;
}
.article-table tr:last-child td { border-bottom: none; }
.article-table tr:nth-child(even) td { background: var(--off-white); }
.article-sidebar { display: none; }
.article-cta-box {
  background: var(--forest-deep);
  color: #fff;
  border-radius: var(--radius);
  padding: 2rem;
  text-align: center;
  margin: 2.5rem 0;
}
.article-cta-box h3 {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: #fff;
  margin-bottom: 0.5rem;
}
.article-cta-box p { color: var(--text-muted-dark); font-size: 0.9rem; margin-bottom: 1.25rem; }
.related-articles {
  background: var(--off-white);
  padding: 64px 0;
}
.related-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin-top: 2rem;
}
.article-nav-back {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--amber);
  margin-bottom: 2rem;
}
.article-nav-back:hover { color: var(--amber-dark); }

/* Blog index page */
.blog-index-hero {
  background: var(--navy-deep);
  padding: 140px 0 64px;
}
.blog-index-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 3rem;
}

@media (min-width: 640px) {
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-index-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 900px) {
  .blog-grid { grid-template-columns: repeat(3, 1fr); }
  .related-grid { grid-template-columns: repeat(3, 1fr); }
  .blog-index-grid { grid-template-columns: repeat(3, 1fr); }
  .article-layout { grid-template-columns: 1fr 300px; }
  .article-sidebar { display: block; }
}

/* === FOOTER === */
.site-footer {
  background: var(--navy-deep);
  padding-top: 4.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--border-dark);
}
.footer-logo {
  margin-bottom: 0.5rem;
}
.footer-tagline {
  font-size: 0.875rem;
  color: var(--text-muted-dark);
  margin-bottom: 1.25rem;
  line-height: 1.65;
  max-width: 280px;
}
.footer-nap {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}
.footer-nap a {
  font-size: 0.875rem;
  color: var(--text-muted-dark);
  transition: color var(--t-fast);
}
.footer-nap a:hover { color: var(--gold); }

.footer-nav strong {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 1rem;
}
.footer-nav ul {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.footer-nav a {
  font-size: 0.875rem;
  color: var(--text-muted-dark);
  transition: color var(--t-fast);
}
.footer-nav a:hover { color: var(--gold); }

.footer-legal strong {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 1rem;
}
.footer-legal ul {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}
.footer-legal a {
  font-size: 0.875rem;
  color: var(--text-muted-dark);
  transition: color var(--t-fast);
}
.footer-legal a:hover { color: var(--gold); }
.footer-states {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.2);
  line-height: 1.65;
  max-width: 240px;
}

.footer-bottom {
  background: rgba(0,0,0,0.4);
  padding-block: 1.25rem;
}
.footer-bottom-inner {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  align-items: center;
  text-align: center;
}
.footer-bottom p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.2);
  line-height: 1.6;
}

/* === ANIMATIONS === */
.fade-in {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in--delay-1 { transition-delay: 0.1s; }
.fade-in--delay-2 { transition-delay: 0.22s; }
.fade-in--delay-3 { transition-delay: 0.34s; }

/* === MEDIA QUERIES === */

/* Tablet: 640px+ */
@media (min-width: 640px) {
  .problem-grid { grid-template-columns: repeat(3, 1fr); }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .affiliate-perks { grid-template-columns: repeat(2, 1fr); }
  .rates-note-inner {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Desktop: 900px+ */
@media (min-width: 900px) {
  .nav-links { display: flex; }
  .nav-actions { display: flex; }
  .hamburger { display: none; }

  .hero-inner {
    grid-template-columns: 1fr 420px;
    align-items: center;
  }

  .programs-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(3, 1fr); }

  .about-grid {
    grid-template-columns: 1fr 380px;
    align-items: start;
  }

  .lead-magnet-grid { grid-template-columns: 1fr 1fr; }

  .contact-grid {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }

  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; }
  .footer-bottom-inner {
    flex-direction: row;
    justify-content: space-between;
    text-align: left;
  }
}

/* Wide: 1100px+ */
@media (min-width: 1100px) {
  .hero-inner { grid-template-columns: 1fr 460px; }
}

/* Nav CTA hidden below desktop */
@media (max-width: 899px) {
  .nav-cta { display: none; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .fade-in { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .badge-dot { animation: none; }
  .scroll-line { animation: none; }
}

/* ============================================================
   AFFILIATE REGISTRATION FORM
   ============================================================ */
.affiliate-form { margin-top: 28px; }

.affiliate-form-fields { display: flex; flex-wrap: wrap; gap: 12px; align-items: flex-end; }

.affiliate-form-fields .form-group {
  flex: 1 1 200px;
  margin: 0;
}

.affiliate-form-fields .btn { flex-shrink: 0; white-space: nowrap; }

.aff-success {
  background: var(--forest-lightest, #f0f5f1);
  border: 1px solid rgba(16,30,20,0.12);
  border-radius: 8px;
  padding: 24px 28px;
  margin-top: 20px;
}

.aff-success p { margin: 0 0 12px; color: var(--charcoal); font-size: 15px; }
.aff-success p:first-child { font-weight: 600; color: var(--forest); }

.aff-link-box {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1px solid rgba(16,30,20,0.15);
  border-radius: 6px;
  padding: 12px 16px;
  margin-bottom: 14px;
}

.aff-link-box code {
  font-family: 'Courier New', monospace;
  font-size: 14px;
  color: var(--amber);
  word-break: break-all;
  flex: 1;
}

.btn-copy {
  background: var(--forest);
  color: #fff;
  border: none;
  border-radius: 4px;
  padding: 6px 14px;
  font-size: 13px;
  cursor: pointer;
  white-space: nowrap;
  transition: background .2s;
}
.btn-copy:hover { background: var(--amber); }

.aff-email-note { font-size: 13px !important; color: var(--slate, #667) !important; margin: 0 !important; }

/* ============================================================
   CONTACT FORM — new intake fields
   ============================================================ */
.optional { color: var(--text-muted); font-size: 13px; font-weight: 400; }
.req { color: #c0392b; margin-left: 2px; }
.form-note-inline { display: block; font-size: 12px; color: var(--text-muted); margin-top: 4px; }
.state-warning {
  display: block;
  font-size: 13px;
  color: #c0392b;
  margin-top: 6px;
  padding: 8px 12px;
  background: #fdf0f0;
  border-radius: 4px;
  border-left: 3px solid #c0392b;
}

/* ============================================================
   APPLY PAGE — /apply.html
   ============================================================ */
.apply-hero {
  background: var(--forest-deep);
  color: var(--text-light);
  padding: 140px 0 72px;
  text-align: center;
}
.apply-hero .section-eyebrow {
  color: var(--amber);
  margin-bottom: 16px;
  font-size: 13px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-weight: 600;
  display: block;
}
.apply-hero h1 {
  font-family: var(--font-heading);
  font-size: 2.4rem !important;
  color: var(--white);
  margin: 0 0 20px;
  line-height: 1.2;
}
.apply-hero p {
  color: var(--text-muted-dark);
  font-size: 16px;
  line-height: 1.8;
  margin: 0;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}
.apply-hero a { color: var(--amber); }

.apply-section {
  background: var(--off-white);
  padding: 56px 0 80px;
}
.apply-container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 var(--container-pad);
}

/* Progress bar */
.apply-progress { margin-bottom: 40px; }
.apply-progress-track {
  height: 6px;
  background: var(--border);
  border-radius: 999px;
  margin-bottom: 20px;
  overflow: hidden;
}
.apply-progress-fill {
  height: 100%;
  background: var(--amber);
  border-radius: 999px;
  transition: width 0.4s ease;
}
.apply-step-dots {
  display: flex;
  justify-content: space-between;
  gap: 8px;
}
.step-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex: 1;
  cursor: default;
}
.step-dot span {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--border);
  color: var(--text-muted);
  font-size: 14px;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s, color 0.3s;
}
.step-dot small { font-size: 12px; color: var(--text-muted); text-align: center; display: none; }
@media (min-width: 480px) { .step-dot small { display: block; } }
.step-dot.active span { background: var(--amber); color: #fff; }
.step-dot.active small { color: var(--amber); font-weight: 600; }
.step-dot.done span { background: var(--forest-accent); color: #fff; }
.step-dot.done span::before { content: '✓'; }
.step-dot.done span { font-size: 0; }
.step-dot.done span::before { font-size: 14px; }

/* Form card */
.apply-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: clamp(24px, 5vw, 48px);
}

/* Step panels */
.apply-step-panel[hidden] { display: none; }
.step-header { margin-bottom: 28px; padding-bottom: 20px; border-bottom: 1px solid var(--border); }
.step-header h2 { font-size: 20px !important; color: var(--text); margin: 0 0 6px; font-family: var(--font-body) !important; font-weight: 600; }
.step-header p { font-size: 14px; color: var(--text-muted); margin: 0; }

/* Form rows */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-row--3 {
  grid-template-columns: 2fr 1fr 1fr;
}
@media (max-width: 600px) {
  .form-row, .form-row--3 { grid-template-columns: 1fr; }
}

/* Checkbox consent */
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}
.checkbox-label input[type="checkbox"] {
  appearance: none;
  -webkit-appearance: none;
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  border: 2px solid var(--border);
  border-radius: 4px;
  background: var(--white);
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s;
  position: relative;
}
.checkbox-label input[type="checkbox"]:checked {
  background: var(--amber);
  border-color: var(--amber);
}
.checkbox-label input[type="checkbox"]:checked::after {
  content: '';
  position: absolute;
  left: 5px;
  top: 1px;
  width: 6px;
  height: 11px;
  border: 2px solid #fff;
  border-top: none;
  border-left: none;
  transform: rotate(45deg);
}
.checkbox-label input[type="checkbox"]:focus {
  outline: 2px solid var(--amber);
  outline-offset: 2px;
}

/* Nav buttons */
.apply-nav-btns {
  display: flex;
  gap: 12px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.apply-nav-btns .btn-outline {
  background: transparent;
  border: 2px solid var(--border);
  color: var(--text-muted);
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s;
}
.apply-nav-btns .btn-outline:hover { border-color: var(--amber); color: var(--amber); }
.apply-nav-btns .btn-gold { margin-left: auto; }

/* Success state */
.apply-success-inner {
  text-align: center;
  padding: 40px 24px;
}
.apply-success-icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: #e6f4ed;
  color: #0a5c30;
  font-size: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.apply-success-inner h2 { color: var(--text); margin: 0 0 12px; }
.apply-success-inner p { color: var(--text-muted); font-size: 15px; line-height: 1.7; margin: 0 0 16px; }
.apply-success-inner ul { text-align: left; display: inline-block; color: var(--text-muted); font-size: 14px; line-height: 2; }
.apply-success-inner a:not(.btn) { color: var(--amber); }
.apply-success-inner a.btn { color: #fff; }