/* ========================================================
   PREMIER USA FUNDING — DESIGN SYSTEM
   Royal cobalt + champagne gold + warm cream
   ======================================================== */
:root {
  /* Brand colors */
  --blue:        #026CCF;
  --blue-deep:   #01417C;
  --gold:        #FFC53D;
  --gold-bright: #FFD15F;
  --cream:       #F6F1E8;
  --off-white:   #FAFAF7;
  --ink:         #141414;
  --ink-soft:    #3A3A3A;
  --muted:       #6E6E6E;

  /* Type */
  --font-display: 'Archivo', system-ui, sans-serif;
  --font-body:    'Manrope', system-ui, sans-serif;

  /* Layout */
  --container: 1280px;
  --gutter: clamp(1.25rem, 4vw, 3rem);

  /* Motion */
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }

.wrap {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* ========================================================
   BUTTONS
   ======================================================== */
.btn {
  display: inline-block;
  padding: 1rem 1.95rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: 0.01em;
  border-radius: 999px;
  transition: all 0.25s var(--ease);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--blue-deep);
}
.btn-primary:hover {
  background: var(--gold-bright);
  transform: translateY(-1px);
  box-shadow: 0 10px 28px rgba(255, 197, 61, 0.35);
}
.btn-outline {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
}
.btn-outline:hover {
  background: var(--gold);
  color: var(--blue-deep);
}
/* Header "Apply Now" button — bump to header readability scale */
.site-header .btn {
  font-size: 1.05rem;
  padding: 1rem 2rem;
}
/* Hero CTAs — bigger, easier to read */
.hero .btn {
  font-size: 1.1rem;
  padding: 1rem 2.1rem;
}

/* ========================================================
   HEADER & NAV
   ======================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--blue);
  border-bottom: 2px solid var(--gold);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 0;
  gap: 1rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--gold);
}
.brand-logo {
  display: block;
  width: 220px;
  height: 60px;
  background-color: var(--gold);
  -webkit-mask-image: 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          mask-image: url('data:image/png;base64,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  -webkit-mask-repeat: no-repeat;
          mask-repeat: no-repeat;
  -webkit-mask-position: center;
          mask-position: center;
  -webkit-mask-size: contain;
          mask-size: contain;
}
/* Safety net: if mask isn't applied, the gold background hides the logo.
   This fallback shows the PNG directly so something is always visible. */
@supports not (mask-image: 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    background-color: transparent;
    background-image: url('data:image/png;base64,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');
    background-repeat: no-repeat;
    background-position: center;
    background-size: contain;
  }
}
.nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links {
  display: flex;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: var(--cream);
  font-size: 1.1rem;
  font-weight: 500;
  position: relative;
  padding-bottom: 4px;
  transition: color 0.2s var(--ease);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
}
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--gold);
}
/* Funding Options dropdown in the header nav */
.nav-dropdown {
  position: relative;
}
.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: none;
  border: 0;
  padding: 0 0 4px;
  color: var(--cream);
  font-family: inherit;
  font-size: 1.1rem;
  font-weight: 500;
  cursor: pointer;
  transition: color 0.2s var(--ease);
}
.nav-dropdown-toggle:hover,
.nav-dropdown.open .nav-dropdown-toggle { color: var(--gold); }
.dropdown-caret {
  width: 10px;
  height: 6px;
  transition: transform 0.2s var(--ease);
  margin-top: 2px;
}
.nav-dropdown.open .dropdown-caret,
.nav-dropdown:hover .dropdown-caret { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translate(-50%, -8px);
  min-width: 220px;
  margin-top: 0.5rem;
  background: var(--blue-deep);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 8px;
  padding: 0.4rem 0;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s var(--ease);
  z-index: 60;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.25);
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}
.nav-dropdown-menu li { margin: 0; }
.nav-dropdown-menu a {
  display: block;
  padding: 0.7rem 1.25rem;
  font-size: 1rem;
  font-weight: 500;
  color: var(--cream);
  white-space: nowrap;
  transition: background 0.15s var(--ease), color 0.15s var(--ease);
}
.nav-dropdown-menu a:hover,
.nav-dropdown-menu a:focus {
  background: rgba(255, 197, 61, 0.12);
  color: var(--gold);
  outline: none;
}

.burger {
  display: none;
  width: 44px;
  height: 44px;
  position: relative;
  z-index: 60;
}
.burger span {
  display: block;
  position: absolute;
  left: 10px;
  width: 24px;
  height: 2px;
  background: var(--gold);
  transition: all 0.3s var(--ease);
}
.burger span:nth-child(1) { top: 16px; }
.burger span:nth-child(2) { top: 21px; }
.burger span:nth-child(3) { top: 26px; }
.burger.open span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { top: 21px; transform: rotate(-45deg); }

/* ========================================================
   HERO
   ======================================================== */
.hero {
  position: relative;
  background: var(--blue);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(5rem, 10vw, 8rem);
  overflow: hidden;
}
/* Four gold verticals dropping from the header divider, tucked under
   the wordmark column on the left. */
.hero::before {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  left: var(--gutter);
  width: 68px;
  background-image:
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px);
  background-repeat: no-repeat;
  background-position:
    0    0,
    22px 0,
    44px 0,
    66px 0;
  background-size: 2px 100%;
  pointer-events: none;
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 800 600' fill='none' stroke='%23FFC53D' stroke-opacity='0.18' stroke-width='0.7'><path d='M0,30 Q200,10 400,50 T800,30'/><path d='M0,70 Q200,50 400,90 T800,70'/><path d='M0,110 Q200,90 400,130 T800,110'/><path d='M0,150 Q200,130 400,170 T800,150'/><path d='M0,190 Q200,170 400,210 T800,190'/><path d='M0,230 Q200,210 400,250 T800,230'/><path d='M0,270 Q200,250 400,290 T800,270'/><path d='M0,310 Q200,290 400,330 T800,310'/><path d='M0,350 Q200,330 400,370 T800,350'/><path d='M0,390 Q200,370 400,410 T800,390'/><path d='M0,430 Q200,410 400,450 T800,430'/><path d='M0,470 Q200,450 400,490 T800,470'/><path d='M0,510 Q200,490 400,530 T800,510'/><path d='M0,550 Q200,530 400,570 T800,550'/></svg>");
  background-size: 100% 100%;
  background-repeat: no-repeat;
  pointer-events: none;
}
.hero-grid {
  position: relative;
  z-index: 2;
}
.hero-copy { max-width: 36rem; margin-left: 84px; }
.hero h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.5rem, 6.5vw, 5.25rem);
  line-height: 0.98;
  letter-spacing: -0.025em;
  margin-bottom: 1.5rem;
  color: var(--cream);
}
.hero-sub {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.25rem;
  letter-spacing: 0.18em;
  color: var(--gold);
  margin-bottom: 1.5rem;
  text-transform: uppercase;
  white-space: nowrap;
}
.hero-lede {
  font-size: 1.25rem;
  line-height: 1.6;
  color: rgba(246, 241, 232, 0.85);
  max-width: 36rem;
  margin-bottom: 2.25rem;
}
.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}
.hero-skyline {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 46.5%;
  max-width: 660px;
  height: auto;
  display: block;
  z-index: 1;
  pointer-events: none;
}

/* ========================================================
   PAGE BANNER — inner-page shorter hero
   ======================================================== */
.page-banner {
  position: relative;
  background: var(--blue);
  color: var(--cream);
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(3.5rem, 7vw, 5.5rem);
  overflow: hidden;
}
.page-banner::before {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  left: var(--gutter);
  width: 68px;
  background-image:
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px),
    linear-gradient(90deg, var(--gold) 0 2px, transparent 2px);
  background-repeat: no-repeat;
  background-position: 0 0, 22px 0, 44px 0, 66px 0;
  background-size: 2px 100%;
  pointer-events: none;
  z-index: 0;
}
.page-banner-skyline {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 22%;
  max-width: 280px;
  height: auto;
  z-index: 1;
  pointer-events: none;
}
.page-banner-inner {
  position: relative;
  z-index: 2;
}
.page-banner-copy {
  max-width: 38rem;
  margin-left: 84px;
}
.page-banner h1 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--cream);
  margin-bottom: 0.85rem;
}
.page-banner-sub {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.18em;
  color: var(--gold);
  text-transform: uppercase;
}
@media (max-width: 768px) {
  .page-banner-copy { margin-left: 0; }
  .page-banner-skyline { display: none; }
  .page-banner::before { display: none; }
}

/* ========================================================
   BUTTON VARIANT — outlined dark (cream/light backgrounds)
   ======================================================== */
.btn-outline-dark {
  background: transparent;
  color: var(--blue-deep);
  border: 1.5px solid var(--blue-deep);
}
.btn-outline-dark:hover {
  background: var(--blue-deep);
  color: var(--gold);
}

/* ========================================================
   LINE OF CREDIT — intro panel (subhead + CTAs + trust bullets)
   ======================================================== */
.loc-intro {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(2.5rem, 5vw, 4rem);
}
.loc-lede {
  font-size: 1.25rem;
  line-height: 1.6;
  color: var(--ink-soft);
  max-width: 48rem;
  margin-bottom: 2rem;
}
.loc-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}
/* ========================================================
   LINE OF CREDIT — "What Is" 2-column with cycle diagram
   ======================================================== */
.loc-what {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-what-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.loc-what p { font-size: 1.1rem; line-height: 1.65; color: var(--ink-soft); margin-bottom: 1rem; }
.loc-what-list {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem 1.25rem;
  margin-top: 0.5rem;
}
.loc-what-list li {
  position: relative;
  padding-left: 1.3rem;
  color: var(--ink);
  font-size: 1rem;
}
.loc-what-list li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.55em;
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
}
.loc-cycle { width: 100%; max-width: 460px; height: auto; margin: 0 auto; display: block; }

/* ========================================================
   PROCESS — 4-step modifier
   ======================================================== */
.process-grid.four-up { grid-template-columns: repeat(4, 1fr); gap: 2.25rem; }

/* ========================================================
   COMMON USES — 8-tile icon grid
   ======================================================== */
.loc-uses {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-uses-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.use-card {
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.35);
  border-radius: 10px;
  padding: 1.5rem 1.25rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.85rem;
  transition: all 0.25s var(--ease);
}
.use-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: 0 10px 24px rgba(0,0,0,0.06);
}
.use-card svg { width: 34px; height: 34px; color: var(--gold); }
.use-card span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
  line-height: 1.3;
}

/* ========================================================
   PROGRAM HIGHLIGHTS — checkbulleted list
   ======================================================== */
.loc-highlights {
  background: var(--blue);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-highlights .section-title { color: var(--cream); }
.loc-highlights-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem 2.5rem;
  max-width: 60rem;
}
.loc-highlights-list li {
  position: relative;
  padding-left: 2rem;
  font-size: 1.1rem;
  line-height: 1.5;
  color: rgba(246, 241, 232, 0.92);
}
.loc-highlights-list li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.45em;
  width: 14px; height: 14px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
}
.loc-highlights-list li::after {
  content: '';
  position: absolute;
  left: 3px; top: 0.62em;
  width: 9px; height: 5px;
  border-left: 1.5px solid var(--gold);
  border-bottom: 1.5px solid var(--gold);
  transform: rotate(-45deg);
}

/* ========================================================
   MINIMUM QUALIFICATIONS — 4-card row
   ======================================================== */
.loc-quals {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.quals-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.qual-card {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.45);
  border-radius: 10px;
  padding: 1.5rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.qual-card svg { width: 32px; height: 32px; color: var(--gold); flex-shrink: 0; }
.qual-card p {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
  line-height: 1.35;
}

/* ========================================================
   LOC OPTIONS — two-card comparison
   ======================================================== */
.loc-options {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-options .section-title { margin-bottom: 1rem; }
.loc-options-intro {
  font-size: 1.15rem;
  line-height: 1.65;
  color: var(--ink-soft);
  max-width: 44rem;
  margin-bottom: 3rem;
}
.loc-options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
@media (max-width: 1024px) { .loc-options-grid { grid-template-columns: 1fr 1fr; } }
.loc-option-card {
  background: var(--off-white);
  border: 1.5px solid rgba(255, 197, 61, 0.6);
  border-radius: 12px;
  padding: 2.5rem 2rem;
  display: flex;
  flex-direction: column;
  transition: all 0.25s var(--ease);
}
.loc-option-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(0,0,0,0.07);
}
.loc-option-range {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2.2rem, 4.5vw, 3rem);
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--blue-deep);
  margin-bottom: 0.5rem;
}
.loc-option-tag {
  display: inline-block;
  align-self: flex-start;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-deep);
  background: var(--gold);
  padding: 0.5rem 0.9rem;
  border-radius: 6px;
  margin-bottom: 1.75rem;
  line-height: 1.3;
}
.loc-option-reqs-title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--ink);
  margin-bottom: 1rem;
}
.loc-option-reqs {
  list-style: none;
  margin-bottom: 2.25rem;
  flex: 1;
}
.loc-option-reqs li {
  position: relative;
  padding-left: 2rem;
  font-size: 1.05rem;
  line-height: 1.5;
  margin-bottom: 0.7rem;
  color: var(--ink);
}
.loc-option-reqs li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.45em;
  width: 14px; height: 14px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
}
.loc-option-reqs li::after {
  content: '';
  position: absolute;
  left: 3px; top: 0.62em;
  width: 9px; height: 5px;
  border-left: 1.5px solid var(--gold);
  border-bottom: 1.5px solid var(--gold);
  transform: rotate(-45deg);
}
.loc-option-actions {
  display: flex;
  gap: 0.85rem;
  flex-wrap: wrap;
}
.loc-option-actions .btn { flex: 1; text-align: center; min-width: 8rem; }
@media (max-width: 768px) {
  .loc-options-grid { grid-template-columns: 1fr; }
  /* On narrow viewports the big range numbers and the card padding combined
     pushed "$10,000 - $375,000" past the right edge. Shrink both. */
  .loc-option-card  { padding: 2rem 1.35rem; }
  .loc-option-range { font-size: clamp(1.75rem, 6.5vw, 2.4rem); }
}

/* ========================================================
   PRODUCT FEATURES — 4-card detail (350K page)
   ======================================================== */
.loc-features {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.loc-feature {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.75rem;
}
.loc-feature h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--blue-deep);
  margin-bottom: 1rem;
}
.loc-feature ul {
  list-style: none;
}
.loc-feature li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.55rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: var(--ink);
}
.loc-feature li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.65em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}
@media (max-width: 768px) {
  .loc-features-grid { grid-template-columns: 1fr; }
}

/* ========================================================
   ACCORDION (restrictions + FAQ)
   ======================================================== */
.loc-restrictions, .loc-faq {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.loc-restrictions p.loc-intro-note {
  max-width: 50rem;
  font-size: 1.05rem;
  color: var(--ink-soft);
  margin-bottom: 2rem;
}
.accordion { max-width: 56rem; border-top: 1px solid rgba(255, 197, 61, 0.45); }
.accordion-item { border-bottom: 1px solid rgba(255, 197, 61, 0.45); }
.accordion-header {
  width: 100%;
  text-align: left;
  background: transparent;
  border: 0;
  padding: 1.4rem 4rem 1.4rem 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.25rem;
  line-height: 1.4;
  color: var(--ink);
  cursor: pointer;
  position: relative;
  transition: color 0.2s var(--ease);
}
.accordion-header:hover { color: var(--blue-deep); }
/* Plus / minus toggle inside a circle — unmistakable drop-down indicator */
.accordion-header::before {
  content: '';
  position: absolute;
  right: 4px;
  top: 50%;
  width: 32px;
  height: 32px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  transform: translateY(-50%);
  background:
    linear-gradient(var(--ink), var(--ink)) center / 14px 2px no-repeat,
    linear-gradient(var(--ink), var(--ink)) center / 2px 14px no-repeat;
  transition: background-size 0.25s var(--ease), background-color 0.25s var(--ease);
}
.accordion-item.open .accordion-header::before {
  background:
    linear-gradient(var(--ink), var(--ink)) center / 14px 2px no-repeat,
    linear-gradient(var(--ink), var(--ink)) center / 0 14px no-repeat;
}
.accordion-header:hover::before { border-color: var(--blue-deep); }
/* grid-template-rows trick: animates 0fr → 1fr in BOTH directions smoothly */
.accordion-body {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s var(--ease);
}
.accordion-item.open .accordion-body { grid-template-rows: 1fr; }
.accordion-body-inner {
  overflow: hidden;
  padding: 0;
  font-size: 1.1rem;
  line-height: 1.65;
  color: var(--ink-soft);
}
.accordion-item.open .accordion-body-inner { padding: 0.25rem 0 1.75rem; }
.accordion-body-inner ul {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.55rem 1.5rem;
}
.accordion-body-inner ul li {
  position: relative;
  padding-left: 1.2rem;
  font-size: 1.05rem;
}
.accordion-body-inner ul li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--gold);
}

/* ========================================================
   RESPONSIVE — line of credit
   ======================================================== */
@media (max-width: 1024px) {
  .loc-uses-grid { grid-template-columns: repeat(3, 1fr); }
  .quals-grid    { grid-template-columns: repeat(2, 1fr); }
  .process-grid.four-up { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .loc-what-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .loc-what-list,
  .loc-highlights-list,
  .accordion-body-inner ul { grid-template-columns: 1fr; }
  .loc-uses-grid { grid-template-columns: repeat(2, 1fr); }
  .quals-grid    { grid-template-columns: 1fr; }
  .process-grid.four-up { grid-template-columns: 1fr; }
}

/* ========================================================
   LEGAL — long-form text pages (TOS, Privacy)
   ======================================================== */
.legal-section {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(3rem, 6vw, 5rem);
}
.legal-content {
  max-width: 50rem;
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--ink);
}
.legal-content > p:first-child {
  font-size: 1.2rem;
  color: var(--ink-soft);
  font-weight: 500;
  margin-bottom: 2.5rem;
}
.legal-content h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.55rem;
  color: var(--ink);
  margin-top: 2.5rem;
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.legal-content h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--blue-deep);
  margin-top: 1.25rem;
  margin-bottom: 0.4rem;
}
.legal-content p { margin-bottom: 1rem; }
.legal-content p strong { color: var(--ink); }
.legal-content a {
  color: var(--blue-deep);
  border-bottom: 1px solid rgba(255, 197, 61, 0.6);
  transition: border-color 0.2s var(--ease);
}
.legal-content a:hover { border-color: var(--gold); }
.legal-meta {
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 197, 61, 0.45);
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
}

/* ========================================================
   CONTACT — info + form layout
   ======================================================== */
.contact-section {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(3rem, 6vw, 5rem);
}
.contact-lede {
  font-size: 1.2rem;
  line-height: 1.65;
  color: var(--ink-soft);
  max-width: 56rem;
  margin-bottom: 1rem;
}
.contact-lede + .contact-lede { margin-bottom: 3rem; }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 3.5rem;
  align-items: start;
}
.contact-info { padding-right: 1rem; }
.contact-info-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--ink);
  margin-bottom: 1.5rem;
  letter-spacing: -0.01em;
}
.contact-info-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  margin-bottom: 1.6rem;
}
.contact-info-item svg {
  color: var(--gold);
  width: 30px;
  height: 30px;
  flex-shrink: 0;
  margin-top: 2px;
}
.contact-info-item .ci-label {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.25rem;
}
.contact-info-item .ci-value {
  font-size: 1.15rem;
  color: var(--ink);
  line-height: 1.4;
}
.contact-info-item .ci-value a { color: var(--ink); border-bottom: 1px solid rgba(255, 197, 61, 0.6); transition: border-color 0.2s var(--ease); }
.contact-info-item .ci-value a:hover { border-color: var(--gold); }

/* Form */
.contact-form {
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 12px;
  padding: 2rem;
}
.contact-form label {
  display: block;
  margin-bottom: 1.25rem;
}
.contact-form .label-text {
  display: block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
  color: var(--ink);
  margin-bottom: 0.4rem;
}
.contact-form input[type="text"],
.contact-form input[type="email"],
.contact-form textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--ink);
  background: var(--cream);
  border: 1.5px solid rgba(20, 20, 20, 0.15);
  border-radius: 6px;
  transition: border-color 0.2s var(--ease), background 0.2s var(--ease);
}
.contact-form input[type="text"]:focus,
.contact-form input[type="email"]:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--off-white);
}
.contact-form textarea {
  min-height: 8rem;
  resize: vertical;
  font-family: var(--font-body);
}
.contact-form .submit-row { margin-top: 1.5rem; }
/* Honeypot — visually hidden but bots can find/fill it */
.contact-form .hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
/* Submission banners */
.contact-banner {
  padding: 1.1rem 1.4rem;
  border-radius: 8px;
  font-size: 1.05rem;
  line-height: 1.5;
  margin-bottom: 2rem;
  border: 1px solid;
}
.contact-banner.success {
  background: #E5F4E8;
  border-color: #87B091;
  color: #1F5024;
}
.contact-banner.error {
  background: #FBE9E7;
  border-color: #D17D74;
  color: #6F2A22;
}

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-info { padding-right: 0; }
  .contact-form { padding: 1.5rem; }
}

/* ========================================================
   AR FINANCING — programs grid + medical block
   ======================================================== */
.arf-intro-highlights {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 0.9rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 197, 61, 0.4);
}
.arf-intro-highlights li {
  position: relative;
  padding: 1rem 1.15rem 1rem 3.25rem;
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-left: 3px solid var(--gold);
  border-radius: 8px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.15rem;
  line-height: 1.35;
  color: var(--blue-deep);
  letter-spacing: -0.005em;
}
.arf-intro-highlights li::before {
  content: '';
  position: absolute;
  left: 1.1rem; top: 50%;
  margin-top: -10px;
  width: 20px; height: 20px;
  background: var(--gold);
  border-radius: 50%;
}
.arf-intro-highlights li::after {
  content: '';
  position: absolute;
  left: 1.45rem; top: 50%;
  margin-top: -4px;
  width: 10px; height: 5px;
  border-left: 2px solid var(--cream);
  border-bottom: 2px solid var(--cream);
  transform: rotate(-45deg);
}
@media (max-width: 600px) {
  .arf-intro-highlights { grid-template-columns: 1fr; }
  .arf-intro-highlights li { font-size: 1.08rem; padding: 0.9rem 1rem 0.9rem 3.1rem; }
}

.arf-programs {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.arf-programs-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  max-width: 60rem;
}
.arf-program {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 2rem;
}
.arf-program h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--blue-deep);
  margin-bottom: 0.8rem;
  letter-spacing: -0.01em;
}
.arf-program p {
  font-size: 1.1rem;
  line-height: 1.6;
  color: var(--ink-soft);
  margin-bottom: 1.25rem;
  max-width: 48rem;
}
.arf-program-highlights {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.6rem 1.75rem;
}
.arf-program-highlights li {
  position: relative;
  padding-left: 1.4rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: var(--ink);
}
.arf-program-highlights li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.55em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}

/* Medical section — contrasting cobalt block */
.arf-medical {
  background: var(--blue);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.arf-medical .section-title { color: var(--cream); }
.arf-medical-intro p {
  font-size: 1.15rem;
  line-height: 1.65;
  color: rgba(246, 241, 232, 0.92);
  max-width: 56rem;
  margin-bottom: 1rem;
}
.arf-medical-intro { margin-bottom: 2.5rem; }
.arf-medical-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.arf-medical-card {
  background: var(--blue-deep);
  border: 1px solid rgba(255, 197, 61, 0.35);
  border-radius: 10px;
  padding: 1.75rem;
}
.arf-medical-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--gold);
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.arf-medical-card ul { list-style: none; }
.arf-medical-card li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.5rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: rgba(246, 241, 232, 0.92);
}
.arf-medical-card li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.55em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}
@media (max-width: 1024px) {
  .arf-medical-grid    { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .arf-medical-grid    { grid-template-columns: 1fr; }
  .arf-program-highlights { grid-template-columns: 1fr; }
}

/* ========================================================
   WORKING CAPITAL — feature cards + qualification grid
   ======================================================== */
.wc-features {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.wc-features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  max-width: 64rem;
}
.wc-feature {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.75rem 2rem;
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 1.5rem;
  align-items: start;
}
.wc-feature-icon {
  color: var(--gold);
  width: 52px;
  height: 52px;
  margin-top: 4px;
}
.wc-feature h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--blue-deep);
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.wc-feature p {
  font-size: 1.1rem;
  line-height: 1.6;
  color: var(--ink-soft);
  margin-bottom: 0.85rem;
}
.wc-feature ul { list-style: none; }
.wc-feature li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.5rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: var(--ink);
}
.wc-feature li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.6em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}

.wc-quals {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.wc-quals-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.wc-qual-card {
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.75rem 2rem;
}
.wc-qual-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--blue-deep);
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.wc-qual-card ul { list-style: none; }
.wc-qual-card li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.5rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: var(--ink);
}
.wc-qual-card li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.6em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}

@media (max-width: 768px) {
  .wc-feature {
    grid-template-columns: 1fr;
    padding: 1.5rem 1.5rem;
  }
  .wc-feature-icon { width: 42px; height: 42px; }
  .wc-quals-grid   { grid-template-columns: 1fr; }
}

/* ========================================================
   BUSINESS TERM LOAN — reasons / benefits / qualification grids
   ======================================================== */
.btl-reasons {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.btl-reasons-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.btl-reason-card {
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.75rem 1.85rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.85rem;
}
.btl-reason-icon {
  color: var(--gold);
  width: 44px;
  height: 44px;
}
.btl-reason-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--blue-deep);
  letter-spacing: -0.01em;
  line-height: 1.25;
}
.btl-reason-card p {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ink-soft);
}

.btl-benefits {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.btl-benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.btl-benefit {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.6rem 1.85rem;
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 1.25rem;
  align-items: start;
}
.btl-benefit-icon {
  color: var(--gold);
  width: 44px;
  height: 44px;
  margin-top: 4px;
}
.btl-benefit h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--blue-deep);
  margin-bottom: 0.45rem;
  letter-spacing: -0.01em;
  line-height: 1.25;
}
.btl-benefit p {
  font-size: 1.02rem;
  line-height: 1.55;
  color: var(--ink-soft);
}

.btl-quals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

@media (max-width: 1024px) {
  .btl-reasons-grid { grid-template-columns: 1fr; }
  .btl-quals-grid   { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .btl-benefits-grid { grid-template-columns: 1fr; }
  .btl-benefit       { grid-template-columns: 1fr; padding: 1.4rem 1.4rem; }
  .btl-benefit-icon  { width: 38px; height: 38px; }
  .btl-quals-grid    { grid-template-columns: 1fr; }
}

/* ========================================================
   REAL ESTATE BACKED — LTV cards / credit grid / flex callout
   ======================================================== */
.reb-ltv {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.reb-ltv-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.reb-ltv-card {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-top: 4px solid var(--gold);
  border-radius: 10px;
  padding: 1.5rem 1.5rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.reb-ltv-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--blue-deep);
  letter-spacing: -0.01em;
  line-height: 1.25;
}
.reb-ltv-tier { display: flex; flex-direction: column; gap: 0.25rem; }
.reb-ltv-label {
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
}
.reb-ltv-value {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--blue);
  line-height: 1.1;
}
.reb-ltv-note {
  font-size: 0.98rem;
  color: var(--ink-soft);
  line-height: 1.5;
}

.reb-credit {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.reb-credit-lede {
  max-width: 60rem;
  font-size: 1.1rem;
  line-height: 1.65;
  color: var(--ink-soft);
  margin-bottom: 2rem;
}
.reb-credit-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.reb-credit-card {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  padding: 1.75rem 2rem;
}
.reb-credit-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--blue-deep);
  margin-bottom: 0.85rem;
  letter-spacing: -0.01em;
}
.reb-credit-card p {
  font-size: 1.02rem;
  line-height: 1.55;
  color: var(--ink-soft);
  margin-bottom: 0.75rem;
}
.reb-credit-card ul { list-style: none; }
.reb-credit-card li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.5rem;
  font-size: 1.02rem;
  line-height: 1.5;
  color: var(--ink);
}
.reb-credit-card li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.6em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}
.reb-credit-card h4 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--blue-deep);
  margin-top: 0.85rem;
  margin-bottom: 0.4rem;
  letter-spacing: 0.01em;
}

.reb-flexible {
  background: var(--blue-deep);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.reb-flexible .section-title { color: var(--cream); }
.reb-flexible-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem 3rem;
  max-width: 64rem;
}
.reb-flexible-block h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--gold-bright);
  margin-bottom: 0.85rem;
  letter-spacing: -0.01em;
}
.reb-flexible-block p {
  font-size: 1.05rem;
  line-height: 1.65;
  color: rgba(255, 244, 224, 0.9);
  margin-bottom: 0.85rem;
}
.reb-flexible-block ul { list-style: none; }
.reb-flexible-block li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.45rem;
  font-size: 1.05rem;
  line-height: 1.5;
  color: rgba(255, 244, 224, 0.92);
}
.reb-flexible-block li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.6em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}

@media (max-width: 1024px) {
  .reb-ltv-grid     { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .reb-ltv-grid      { grid-template-columns: 1fr; }
  .reb-credit-grid   { grid-template-columns: 1fr; }
  .reb-flexible-grid { grid-template-columns: 1fr; }
}

/* ========================================================
   CAREERS — job cards / culture / disclaimer
   ======================================================== */
.careers-jobs {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.careers-jobs-stack {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  max-width: 64rem;
}
.careers-job {
  background: var(--cream);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 12px;
  padding: 2rem 2.25rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
.careers-job-head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem 1rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255, 197, 61, 0.4);
}
.careers-job-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.55rem;
  color: var(--blue-deep);
  letter-spacing: -0.01em;
  line-height: 1.2;
  flex: 1 1 auto;
}
.careers-tag {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--blue-deep);
  background: var(--gold-bright);
  border-radius: 4px;
  padding: 0.3rem 0.7rem;
}
.careers-job-summary {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ink-soft);
}
.careers-comp {
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.35);
  border-radius: 8px;
  padding: 1.1rem 1.35rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.careers-comp-label {
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
  margin-bottom: 0.35rem;
  display: block;
}
.careers-comp-value {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--blue);
  line-height: 1.25;
}
.careers-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.careers-pill {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--blue-deep);
  background: rgba(255, 197, 61, 0.18);
  border: 1px solid rgba(255, 197, 61, 0.45);
  border-radius: 999px;
  padding: 0.35rem 0.85rem;
}
.careers-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
.careers-cols h4 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--blue-deep);
  margin-bottom: 0.8rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.careers-cols ul { list-style: none; }
.careers-cols li {
  position: relative;
  padding-left: 1.35rem;
  margin-bottom: 0.5rem;
  font-size: 1.02rem;
  line-height: 1.5;
  color: var(--ink);
}
.careers-cols li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.6em;
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
}
.careers-apply {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.6rem 1.1rem;
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 8px;
  padding: 1rem 1.25rem;
}
.careers-apply-label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.78rem;
  color: var(--ink-soft);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.careers-apply-email {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--blue-deep);
  word-break: break-all;
  flex: 1 1 auto;
  user-select: all;
}
.careers-apply .btn { white-space: nowrap; }
.careers-apply .btn.is-copied {
  background: var(--blue-deep);
  color: var(--gold-bright);
}
.careers-apply-fallback {
  flex-basis: 100%;
  font-size: 0.92rem;
  color: var(--ink-soft);
  margin: 0;
}
.careers-apply-fallback a { color: var(--blue); text-decoration: underline; }
@media (max-width: 600px) {
  .careers-apply-email { flex: 1 1 100%; font-size: 1.02rem; }
}

.careers-culture {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}

.careers-disclaimer {
  background: var(--cream);
  padding: clamp(2rem, 4vw, 3rem) 0;
  border-top: 1px solid rgba(255, 197, 61, 0.3);
}
.careers-disclaimer h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue-deep);
  margin-bottom: 0.85rem;
}
.careers-disclaimer p {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--ink-soft);
  max-width: 60rem;
  margin-bottom: 0.7rem;
}

@media (max-width: 768px) {
  .careers-job        { padding: 1.5rem 1.5rem; }
  .careers-comp       { grid-template-columns: 1fr; gap: 0.9rem; }
  .careers-cols       { grid-template-columns: 1fr; gap: 1.5rem; }
  .careers-job-title  { font-size: 1.35rem; }
}

/* ========================================================
   APPLY — 123FormBuilder embed host
   ======================================================== */
.apply-form-section {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4.5rem) 0 clamp(3rem, 6vw, 5.5rem);
}
.apply-form-host {
  position: relative;
  min-height: 420px;
}
/* Loading placeholder shown until the 123FormBuilder iframe finishes loading.
   JS adds .is-hidden to fade it out (and then takes it out of the flow). */
.apply-loading {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 3rem 2rem;
  min-height: 420px;
  text-align: center;
  background: var(--off-white);
  border: 1px solid rgba(255, 197, 61, 0.4);
  border-radius: 10px;
  transition: opacity 0.4s var(--ease);
  max-width: 800px;
  margin: 0 auto;
}
.apply-loading.is-hidden { opacity: 0; pointer-events: none; }
.apply-loading.is-gone   { display: none; }
.apply-spinner {
  width: 56px;
  height: 56px;
  border: 4px solid rgba(255, 197, 61, 0.25);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: apply-spin 0.9s linear infinite;
  margin-bottom: 1.5rem;
}
@keyframes apply-spin { to { transform: rotate(360deg); } }
.apply-loading-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--ink);
  margin: 0 0 0.4rem;
  letter-spacing: -0.01em;
}
.apply-loading-sub {
  font-size: 1rem;
  color: var(--muted);
  margin: 0;
}
@media (prefers-reduced-motion: reduce) {
  .apply-spinner { animation-duration: 2.5s; }
}

/* ========================================================
   PROCESS
   ======================================================== */
.process {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.section-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(2rem, 4.2vw, 3.25rem);
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-bottom: 3rem;
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3rem;
  align-items: start;
}
.process-step { position: relative; }
.process-num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 4.5rem;
  line-height: 1;
  color: var(--gold);
  margin-bottom: 1rem;
  letter-spacing: -0.03em;
}
.process-head {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--ink);
  margin-bottom: 0.65rem;
}
.process-desc {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ink-soft);
}

/* ========================================================
   FUNDING OPTIONS GRID
   ======================================================== */
.funding {
  background: var(--blue);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.funding .section-title { color: var(--cream); }
.funding-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.15rem;
}
/* About page reuses these cards but only has 4 of them — override so they
   don't sit awkwardly left-aligned in a 5-col track. */
.funding-grid.four-up { grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.fund-card {
  background: var(--blue-deep);
  border: 1px solid rgba(255, 197, 61, 0.25);
  border-radius: 10px;
  padding: 1.6rem 1.35rem;
  position: relative;
  overflow: hidden;
  transition: all 0.4s var(--ease);
  cursor: pointer;
}
/* Animated gold border overlay on hover */
.fund-card::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 10px;
  padding: 1.5px;
  background: linear-gradient(135deg, var(--gold), var(--gold-bright), var(--gold));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
          mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.4s var(--ease);
  pointer-events: none;
}
.fund-card:hover {
  transform: translateY(-3px);
  background: #02458a;
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.28);
}
.fund-card:hover::before { opacity: 1; }
.fund-card:hover .fund-icon {
  color: var(--gold-bright);
  transform: scale(1.08);
}
.fund-icon {
  color: var(--gold);
  margin-bottom: 1.25rem;
  transition: all 0.4s var(--ease);
  width: 36px;
  height: 36px;
}
.fund-head {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--cream);
  margin-bottom: 0.6rem;
  line-height: 1.25;
}
.fund-desc {
  font-size: 1.05rem;
  line-height: 1.55;
  color: rgba(246, 241, 232, 0.8);
}

/* ========================================================
   STATS BAR
   ======================================================== */
.stats {
  background: var(--blue-deep);
  padding: 3.5rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  align-items: center;
  text-align: center;
  position: relative;
}
.stats-grid::before,
.stats-grid::after {
  content: '';
  position: absolute;
  top: 15%;
  bottom: 15%;
  width: 1px;
  background: rgba(255, 197, 61, 0.3);
}
.stats-grid::before { left: 33.33%; }
.stats-grid::after  { left: 66.67%; }
.stat-num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(3rem, 6vw, 4.5rem);
  line-height: 1;
  color: var(--gold);
  letter-spacing: -0.03em;
}
.stat-label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.2em;
  color: var(--cream);
  text-transform: uppercase;
  margin-top: 0.85rem;
}

/* ========================================================
   WHY CHOOSE US
   ======================================================== */
.why {
  background: var(--cream);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.why-intro {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 4rem;
}
.why-intro p {
  font-size: 1.25rem;
  line-height: 1.65;
  color: var(--ink-soft);
  padding-left: 1.5rem;
  border-left: 2px solid var(--gold);
}
.why-benefits {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}
.benefit {
  display: flex;
  gap: 1.15rem;
  align-items: flex-start;
}
.benefit-icon {
  color: var(--gold);
  flex-shrink: 0;
  width: 40px;
  height: 40px;
}
.benefit h4 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--ink);
  margin-bottom: 0.5rem;
  line-height: 1.3;
}
.benefit p {
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--ink-soft);
}

/* ========================================================
   TESTIMONIALS
   ======================================================== */
.testimonials {
  background: var(--off-white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.testimonials .section-title {
  margin-bottom: 2.5rem;
  text-align: center;
}
.testimonial-block {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  align-items: start;
  max-width: 56rem;
  margin: 0 auto;
}
.quote-mark {
  font-family: var(--font-display);
  font-size: 6rem;
  line-height: 0.7;
  color: var(--gold);
  margin-top: -0.5rem;
}
.testimonial-text {
  font-size: 1.3rem;
  line-height: 1.6;
  color: var(--ink);
  font-weight: 400;
  margin-bottom: 1.25rem;
}
.testimonial-author {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: 0.18em;
  color: var(--gold);
  text-transform: uppercase;
}

/* ========================================================
   FINAL CTA
   ======================================================== */
.cta-final {
  background: var(--blue);
  color: var(--cream);
  padding: clamp(3.5rem, 7vw, 5.5rem) 0;
  text-align: center;
}
.cta-final h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(1.85rem, 4vw, 2.85rem);
  line-height: 1.1;
  color: var(--cream);
  margin-bottom: 2rem;
  letter-spacing: -0.02em;
}
.cta-final-actions {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ========================================================
   FOOTER
   ======================================================== */
.site-footer {
  background: var(--blue-deep);
  color: var(--cream);
  padding: 4rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255, 197, 61, 0.18);
}
.footer-col h5 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.18em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.6rem; }
.footer-col a {
  font-size: 1.05rem;
  color: rgba(246, 241, 232, 0.8);
  transition: color 0.2s var(--ease);
}
.footer-col a:hover { color: var(--gold); }
.footer-col address {
  font-style: normal;
  font-size: 1.05rem;
  line-height: 1.7;
  color: rgba(246, 241, 232, 0.8);
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 2rem;
  font-size: 0.95rem;
  color: rgba(246, 241, 232, 0.7);
  flex-wrap: wrap;
  gap: 1rem;
}

/* ========================================================
   RESPONSIVE
   ======================================================== */
@media (max-width: 1024px) {
  .funding-grid  { grid-template-columns: repeat(3, 1fr); }
  .footer-grid   { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .burger { display: block; }
  .nav-links {
    position: fixed;
    inset: 0;
    background: var(--blue-deep);
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 2.5rem;
    transform: translateX(100%);
    transition: transform 0.4s var(--ease);
  }
  .nav-links {
    /* Tighter gap so 9 items don't sprawl across the viewport */
    gap: 1.3rem;
    padding: 5rem 1rem;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { font-size: 1.4rem; }
  .nav .btn { display: none; }

  /* On mobile we don't do a dropdown at all — flatten everything into
     the burger menu so the 4 funding options appear as plain centered
     links like Home/About/Apply, and "Funding Options" is just a
     non-interactive gold label sitting above them.

     Desktop's .nav-dropdown-menu defaults to visibility:hidden /
     opacity:0 (hidden until hover). Even though we use display:contents
     here, visibility is an inherited property so the <li> children would
     still inherit hidden — must explicitly reset. */
  .nav-dropdown,
  .nav-dropdown-menu {
    display: contents;
    visibility: visible;
    opacity: 1;
  }
  .nav-dropdown-menu li,
  .nav-dropdown-menu a {
    visibility: visible;
    opacity: 1;
  }
  /* "Funding Options" reads as a category header — small caps, gold,
     letter-spaced — visually distinct from the actual nav links. */
  .nav-dropdown-toggle {
    pointer-events: none;
    color: var(--gold);
    font-size: 0.9rem;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    background: none;
    border: 0;
    padding: 0.5rem 0 0.1rem;
    font-family: var(--font-display);
    text-align: center;
  }
  .nav-dropdown-toggle .dropdown-caret { display: none; }
  /* Sub-items match main nav weight but with a slight color dim for hierarchy */
  .nav-dropdown-menu a {
    font-size: 1.3rem;
    color: rgba(246, 241, 232, 0.88);
  }

  /* On mobile, the skyline and the 4 gold verticals crowd the headline.
     Hide both — the hero stays clean and readable. */
  .hero-skyline { display: none; }
  .hero::before { display: none; }
  .hero-copy { margin-left: 0; }

  .process-grid,
  .funding-grid,
  .stats-grid,
  .footer-grid,
  .why-benefits { grid-template-columns: 1fr; gap: 2.5rem; }
  .footer-col a { overflow-wrap: anywhere; }
  /* nowrap + big letter-spacing was hitting the viewport edge */
  .hero-sub { font-size: 1.1rem; letter-spacing: 0.12em; }
  .stats-grid::before,
  .stats-grid::after { display: none; }
  .why-intro { grid-template-columns: 1fr; gap: 1.5rem; }
}
@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { text-align: center; }
}

/* ========================================================
   ENTRY ANIMATION
   ======================================================== */
@keyframes rise {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero h1, .hero-sub, .hero-lede, .hero-ctas {
  animation: rise 0.9s var(--ease) backwards;
}
.hero h1       { animation-delay: 0.10s; }
.hero-sub      { animation-delay: 0.25s; }
.hero-lede     { animation-delay: 0.35s; }
.hero-ctas     { animation-delay: 0.45s; }
.hero-skyline  { animation: rise 1s var(--ease) 0.55s backwards; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}
