/* SMN Capital Solution — public site components. Tokens live in tokens.css; spec in mdfiles/DESIGN.md. */

/* ---------- Base ---------- */
html { scroll-behavior: smooth; scroll-padding-top: 140px; }
body {
  margin: 0; background: var(--paper); color: var(--ink); font-family: var(--font-sans);
  line-height: 1.5; -webkit-font-smoothing: antialiased; overflow-x: hidden; text-rendering: optimizeLegibility;
}
:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; box-shadow: 0 0 0 2px var(--ink); }
/* amber alone is 1.9:1 on bone; the ink halo in the offset carries the contrast on light grounds.
   On navy amber is 8.1:1, and on the amber utility bar the ring turns navy. */
.bg-navy :focus-visible, .hero :focus-visible, .est-result :focus-visible, .site-footer :focus-visible { box-shadow: none; }
.utility-bar :focus-visible { outline-color: var(--navy); box-shadow: none; }
a { color: var(--amber-ink); text-decoration: underline; text-underline-offset: 3px; transition: color var(--ease); }
a:hover { color: var(--ink); }
h1, h2, h3, h4, p, dl, dd, figure, blockquote { margin: 0; }
h1, h2, h3, h4 { font-weight: 400; }
ul.plain, ol.plain { margin: 0; padding: 0; list-style: none; }
img { max-width: 100%; height: auto; }
button, input, select, textarea { font: inherit; color: inherit; }
.accent { font-family: var(--font-serif); font-style: italic; font-weight: 400; letter-spacing: -0.01em; }
.tabular { font-variant-numeric: tabular-nums; }
.skip-link {
  position: absolute; left: 12px; top: 12px; z-index: 200; background: var(--ink); color: var(--white);
  padding: 10px 16px; border-radius: var(--r-sm); text-decoration: none;
}
.skip-link:not(:focus):not(:focus-within) {
  width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important;
  overflow: hidden !important; clip: rect(0, 0, 0, 0) !important; white-space: nowrap !important; border: 0 !important;
}
.skip-link:hover { color: var(--white); }
.skip-link:focus { color: var(--white); }
.pretty { text-wrap: pretty; }

/* ---------- Layout ---------- */
.wrap, .wrap-mid, .wrap-narrow { margin-inline: auto; padding-inline: var(--gutter); width: 100%; }
.wrap { max-width: calc(var(--container) + 2 * var(--gutter)); }
.wrap-mid { max-width: calc(var(--container-mid) + 2 * var(--gutter)); }
.wrap-narrow { max-width: calc(var(--container-narrow) + 2 * var(--gutter)); }
.section { padding-block: var(--section-y); position: relative; }
.bg-paper { background: var(--paper); }
.bg-white { background: var(--white); }
.bg-stone { background: var(--stone); color: var(--ink); }
.bg-navy { background: var(--navy); color: var(--white); }
.auto-grid {
  display: grid; gap: var(--gap, var(--gap-card));
  grid-template-columns: repeat(auto-fit, minmax(min(100%, var(--min, 300px)), 1fr));
}
.auto-grid > * { min-width: 0; }
.rule-top { border-top: 1px solid var(--line); }

/* ---------- Type ---------- */
.display-1 { font-size: var(--fs-display-1); line-height: 1.02; letter-spacing: var(--tracking-display); max-width: 19ch; text-wrap: pretty; }
.display-2 { font-size: var(--fs-display-2); line-height: 1.05; letter-spacing: var(--tracking-display); text-wrap: pretty; }
.statement { font-size: var(--fs-statement); line-height: 1.16; letter-spacing: -0.03em; max-width: 34ch; }
.statement .tone-2 { color: var(--ink-muted); }
.lead-text { font-size: 17px; line-height: 1.6; color: var(--ink-muted); max-width: 56ch; }
.muted { color: var(--ink-muted); }
.small-note { font-size: 13px; line-height: 1.6; color: var(--ink-muted); }
.eyebrow {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--amber-ink); line-height: 1.6;
}
.bg-navy .eyebrow { color: var(--amber); }
.bg-stone .eyebrow { color: var(--stone-ink); }
.bg-navy .lead-text { color: var(--on-navy-muted); }
.head-row {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 16px 24px;
}
.head-row.ruled { padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.label-strong { font-size: 15px; font-weight: 600; letter-spacing: 0.01em; }

/* ---------- Buttons ---------- */
.btn-smn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px; border-radius: var(--r-sm);
  font-weight: 500; font-size: 15px; line-height: 1.2; padding: 15px 24px; text-decoration: none; white-space: nowrap;
  border: 1px solid transparent; cursor: pointer; min-height: 44px;
  transition: background-color var(--ease), color var(--ease), border-color var(--ease), transform 160ms var(--ease-out);
  -webkit-tap-highlight-color: transparent;
}
.btn-smn:active { transform: scale(0.97); }
.btn-smn.sm { font-size: 14px; padding: 13px 22px; }
.btn-smn.lg { font-size: 16px; padding: 17px 24px; }
.btn-smn.block { width: 100%; }
.btn-ink { background: var(--ink); color: var(--white); }
.btn-ink:hover { background: var(--navy); color: var(--white); }
.btn-light { background: var(--white); color: var(--ink); padding: 16px 26px; }
@media (hover: hover) and (pointer: fine) { .btn-light:hover { background: var(--amber); color: var(--ink); } }
.btn-ghost-light { background: transparent; color: var(--white); border-color: rgba(255, 255, 255, 0.45); padding: 16px 26px; }
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.1); color: var(--white); }
.btn-secondary-smn { background: transparent; color: var(--ink); border-color: var(--line); font-size: 14px; padding: 14px 22px; }
.btn-secondary-smn:hover { background: var(--paper); color: var(--ink); }
.btn-amber { background: var(--amber); color: var(--navy); }
.btn-amber:hover { background: var(--amber-hover); color: var(--navy); }
.link-arrow {
  display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-size: 15px;
  padding-block: 10px; margin-block: -10px; /* 44px hit area without moving the layout */
}
.link-arrow:hover { color: var(--amber-ink); }
.link-arrow .arrow { transition: transform 200ms var(--ease-out); }
@media (hover: hover) and (pointer: fine) { .link-arrow:hover .arrow, .cross-link:hover .arrow { transform: translateX(3px); } }
.cross-link .arrow { transition: transform 200ms var(--ease-out); }
.bg-navy .link-arrow { color: var(--white); }
.bg-navy .link-arrow:hover { color: var(--amber); }

/* ---------- Badges ---------- */
.marker {
  display: inline-block; font-family: var(--font-mono); font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--amber-ink); border: 1px solid var(--amber); padding: 2px 6px; line-height: 1.5; vertical-align: middle;
}
.bg-navy .marker { color: var(--amber); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 70; background: var(--paper); }
.utility-bar { background: var(--amber); color: var(--navy); }
.utility-bar .wrap { min-height: 40px; display: flex; align-items: center; gap: 8px 24px; }
.utility-links { display: flex; gap: 20px; overflow-x: auto; scrollbar-width: none; }
.utility-links::-webkit-scrollbar { display: none; }
.utility-links a { color: var(--navy); font-size: 13px; font-weight: 500; text-decoration: none; white-space: nowrap; padding-block: 10px; }
.utility-links a:hover { text-decoration: underline; color: var(--navy); }
@media (max-width: 575.98px) { .utility-links [data-utility="estimator"] { display: none; } } /* DESIGN.md §5.1 */
.lang-switch { margin-left: auto; display: flex; gap: 4px; flex: none; }
.lang-switch a { color: var(--navy); font-size: 13px; padding: 10px 8px; min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; text-decoration: none; }
.lang-switch a[aria-current="true"] { font-weight: 600; text-decoration: underline; text-underline-offset: 4px; }
.lang-switch a:hover { text-decoration: underline; color: var(--navy); }

.main-bar { border-bottom: 1px solid var(--line); }
.main-bar .wrap { height: 78px; display: flex; align-items: center; gap: 28px; }
.brand-logo { display: flex; align-items: center; gap: clamp(9px, 0.9vw, 12px); flex: none; text-decoration: none; }
.brand-logo img { display: block; width: auto; }
.brand-logo-mark { height: clamp(40px, 3.4vw, 48px); }
.brand-logo-word { height: clamp(27px, 2.4vw, 34px); }
.brand-lockup { display: inline-block; }
.brand-lockup img { display: block; width: clamp(180px, 16vw, 220px); height: auto; }

.primary-nav { display: none; }
.primary-nav ul { display: flex; gap: clamp(20px, 2.1vw, 30px); margin: 0; padding: 0; list-style: none; }
.primary-nav a {
  color: var(--ink); font-size: 15px; text-decoration: none; white-space: nowrap; padding: 4px 0;
  border-bottom: 1px solid transparent; transition: border-color var(--ease);
}
.primary-nav a:hover, .primary-nav a[aria-current="page"] { border-bottom-color: var(--ink); color: var(--ink); }
/* Services dropdown: a disclosure button, so it opens on click/Enter/Space (site.js); without JS it
   opens on hover or focus. The panel is flat like the rest of the site: white, hairline, no shadow. */
.nav-services { position: relative; }
.nav-services-toggle {
  -webkit-tap-highlight-color: transparent; display: inline-flex; align-items: center; gap: 8px;
  background: none; border: 0; border-bottom: 1px solid transparent; border-radius: 0; padding: 4px 0;
  color: var(--ink); font: inherit; font-size: 15px; white-space: nowrap; cursor: pointer; transition: border-color var(--ease);
}
.nav-services-toggle:hover, .nav-services-toggle.is-current { border-bottom-color: var(--ink); }
.nav-caret {
  width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor;
  transform: translateY(-2px) rotate(45deg); transition: transform 200ms var(--ease-out);
}
.nav-services-toggle[aria-expanded="true"] .nav-caret { transform: translateY(1px) rotate(225deg); }
.primary-nav .services-menu {
  display: none; position: absolute; top: calc(100% + 14px); left: -20px; z-index: 1; flex-direction: column; gap: 0;
  min-width: 260px; padding: 6px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md);
  transform-origin: top left;
}
.nav-services-toggle[aria-expanded="true"] + .services-menu,
html:not(.js) .nav-services:is(:hover, :focus-within) .services-menu {
  display: flex;
  transition: opacity 160ms var(--ease-out), transform 160ms var(--ease-out);
  @starting-style { opacity: 0; transform: translateY(-4px) scale(0.98); }
}
.primary-nav .services-menu a { display: block; padding: 10px 14px; border-bottom: 0; border-radius: var(--r-sm); transition: background-color var(--ease); }
.primary-nav .services-menu a:hover { background: var(--paper); }
.primary-nav .services-menu a[aria-current="page"] { font-weight: 600; }
.header-cta { display: none; }
.nav-toggle {
  -webkit-tap-highlight-color: transparent; margin-left: auto; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: var(--r-sm);
  background: transparent; padding: 0 11px; display: inline-flex; flex-direction: column; justify-content: center; gap: 6px;
  cursor: pointer;
}
.nav-toggle span { display: block; height: 1px; background: var(--ink); transition: transform 220ms var(--ease-in-out), opacity 160ms ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-menu { background: var(--paper); border-bottom: 1px solid var(--line); }
.mobile-menu:not([hidden]) {
  transition: opacity 200ms var(--ease-out), transform 200ms var(--ease-out);
  @starting-style { opacity: 0; transform: translateY(-8px); }
}
.mobile-menu ul { list-style: none; margin: 0; padding: 8px 0 0; }
.mobile-menu-label { margin: 22px 0 0; }
.mobile-services + ul { padding-top: 18px; }
.mobile-menu li a {
  display: block; font-size: 22px; letter-spacing: -0.01em; padding: 16px 0; border-bottom: 1px solid var(--line);
  color: var(--ink); text-decoration: none;
}
.mobile-menu .btn-smn { margin: 22px 0 28px; }
@media (min-width: 1120px) {
  .primary-nav { display: block; margin: 0 auto; }
  .header-cta { display: inline-flex; }
  .nav-toggle, .mobile-menu { display: none !important; }
}

/* ---------- Image placeholders + media ---------- */
.stripe {
  position: relative; background-color: var(--navy); border-radius: var(--r-md); overflow: hidden;
  background-image: repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.05) 0 10px, rgba(255, 255, 255, 0) 10px 22px);
}
.bg-stone .stripe { background-color: var(--stone-rule); background-image: repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.08) 0 10px, rgba(255, 255, 255, 0) 10px 22px); }
.stripe-caption {
  position: absolute; left: 20px; bottom: 18px; right: 20px; font-family: var(--font-mono); font-size: 10px;
  letter-spacing: 0.1em; line-height: 1.6; color: var(--on-navy-muted); text-transform: uppercase;
}
.bg-stone .stripe-caption { color: var(--white); font-size: 11px; }
.ratio-16x9 { aspect-ratio: 16 / 9; }
.ratio-4x5 { aspect-ratio: 4 / 5; }
.ratio-4x3 { aspect-ratio: 4 / 3; }
.ratio-3x2 { aspect-ratio: 3 / 2; }
.media { border-radius: var(--r-md); overflow: hidden; background: var(--navy); }
.media img { display: block; width: 100%; height: 100%; object-fit: cover; }

/* ---------- Hero ---------- */
.hero { position: relative; background-color: var(--navy); color: var(--white); overflow: hidden; }
.hero-frame {
  position: relative; min-height: min(80vh, 760px); display: flex; flex-direction: column; justify-content: flex-end;
  padding: clamp(72px, 12vw, 150px) 0 clamp(40px, 5vw, 72px);
  background-image: repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.05) 0 10px, rgba(255, 255, 255, 0) 10px 22px);
}
.hero-frame.compact { min-height: min(46vh, 420px); padding-top: clamp(56px, 7vw, 96px); }
@media (max-width: 767.98px) { .hero-frame.compact { min-height: 0; } }
.hero-photo { position: absolute; inset: 0; }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(14, 23, 56, 0.35), rgba(14, 23, 56, 0.82)); }
.hero-photo + .hero-frame { background-image: none; }  /* the stripes only stand in for a missing photo */
.hero .wrap { position: relative; }
.hero-eyebrow { margin-bottom: clamp(16px, 2vw, 24px); }
.hero-row {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 28px; margin-top: clamp(24px, 3vw, 40px);
}
.hero-lead { font-size: clamp(15px, 1.5vw, 18px); line-height: 1.6; color: var(--on-navy-muted); max-width: 50ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.breadcrumbs { font-size: 13px; color: var(--on-navy-muted); margin-bottom: clamp(20px, 3vw, 36px); }
.breadcrumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: var(--on-navy-subtle); }
.breadcrumbs a { color: var(--on-navy-muted); text-decoration: none; display: inline-block; padding-block: 6px; margin-block: -6px; }
.breadcrumbs a:hover { color: var(--white); text-decoration: underline; }
.breadcrumbs [aria-current] { color: var(--white); }

/* ---------- Stats ---------- */
.stats { background: var(--paper); border-bottom: 1px solid var(--line); }
.stats .auto-grid { --min: 220px; --gap: 28px; padding-block: clamp(28px, 3vw, 44px); }
.stat { display: flex; flex-direction: column-reverse; justify-content: flex-end; gap: 8px; }
.stat-value { font-family: var(--font-serif); font-size: var(--fs-stat); line-height: 1; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.stat-label { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; font-size: 14px; color: var(--ink-muted); }

/* ---------- Services ---------- */
.services-head { margin-top: clamp(44px, 6vw, 88px); }
.service-grid { --min: 300px; margin-top: 28px; }
@media (min-width: 720px) {
  .service-grid, .article-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  /* two services (car loan dropped 2026-09-30) share the row rather than leave a gap; the wider
     cards turn landscape so the frames stay as tall as they were three-up */
  .service-grid:has(> :nth-child(2):last-child) { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .service-grid:has(> :nth-child(2):last-child) .service-frame { aspect-ratio: 5 / 4; }
}
/* four-item groups go 2+2 on tablets and 4-up from the nav breakpoint, never 3+1 */
@media (min-width: 600px) and (max-width: 1119.98px) {
  :is(.values, .benefit-grid, .footer-grid, .service-grid):has(> :nth-child(4):last-child) { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 1120px) {
  :is(.values, .benefit-grid, .footer-grid, .service-grid):has(> :nth-child(4):last-child) { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
.service-card { display: flex; flex-direction: column; }
.service-frame {
  aspect-ratio: 4 / 5; border-radius: var(--r-md); overflow: hidden; position: relative; display: flex; flex-direction: column;
  justify-content: space-between; padding: 24px; color: var(--white); text-decoration: none; background-color: var(--navy);
  background-image: repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.05) 0 10px, rgba(255, 255, 255, 0) 10px 22px);
}
.service-frame:hover { color: var(--white); }
.service-frame img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 500ms var(--ease-out); }
@media (hover: hover) and (pointer: fine) { .service-frame:hover img { transform: scale(1.02); } }
.service-frame.has-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(14, 23, 56, 0.7) 0, rgba(14, 23, 56, 0) 45%); }
.service-frame h3 { position: relative; z-index: 1; font-size: var(--fs-card-title); letter-spacing: -0.02em; line-height: 1.25; }
.service-frame .frame-caption {
  position: relative; z-index: 1; font-family: var(--font-mono); font-size: 10px; letter-spacing: 0.1em; line-height: 1.6;
  color: var(--on-navy-muted); text-transform: uppercase;
}
.service-benefit { margin-top: 22px; font-size: 16px; line-height: 1.55; max-width: 42ch; }
.point-list { list-style: none; margin: 22px 0 0; padding: 0; }
.point-list li { font-size: 14px; line-height: 1.5; color: var(--ink-muted); padding: 12px 0; border-top: 1px solid var(--line); }
.service-card .link-arrow { margin-top: auto; padding-top: 32px; align-self: flex-start; font-weight: 500; }

/* ---------- Tabs (underline) ---------- */
.tabs-underline { display: flex; flex-wrap: wrap; gap: clamp(18px, 3vw, 38px); border-bottom: 1px solid var(--line); }
.tabs-underline [role="tab"] {
  background: transparent; border: 0; border-bottom: 2px solid transparent; margin-bottom: -1px; padding: 0 0 16px;
  font-size: clamp(16px, 1.8vw, 21px); letter-spacing: -0.01em; color: var(--ink-muted); cursor: pointer;
  transition: color var(--ease), border-color var(--ease); min-height: 44px;
}
.tabs-underline [role="tab"][aria-selected="true"] { color: var(--ink); border-bottom-color: var(--ink); }
.tabs-underline [role="tab"]:hover { color: var(--ink); }

/* ---------- Estimator ---------- */
.estimator-body { --min: 320px; --gap: clamp(24px, 4vw, 56px); margin-top: clamp(32px, 4vw, 52px); }
.est-fields { display: flex; flex-direction: column; gap: 22px; }
.est-label { display: block; font-size: 13px; font-weight: 500; color: var(--ink-muted); margin-bottom: 9px; }
.est-input {
  width: 100%; border: 0; border-bottom: 1px solid var(--ink); border-radius: 0; background: transparent; padding: 15px 0;
  font-size: 22px; font-variant-numeric: tabular-nums; appearance: none;
}
select.est-input {
  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' fill='none' stroke='%23241C18' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 4px center; padding-right: 28px; cursor: pointer;
}
.est-input:focus-visible { outline-offset: 4px; }
.panel-cut { border-radius: var(--r-md); border-bottom-right-radius: var(--r-cut); }
.est-result {
  background: var(--navy); color: var(--white); padding: clamp(24px, 3vw, 40px); display: flex; flex-direction: column; justify-content: center;
}
.est-figure { margin-top: 18px; font-family: var(--font-serif); font-size: var(--fs-figure); line-height: 0.95; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.est-dl {
  margin-top: 30px; padding-top: 22px; border-top: 1px solid var(--navy-rule); display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 18px;
}
.est-dl dt { font-size: 13px; color: var(--on-navy-muted); font-weight: 400; }
.est-dl dd { margin-top: 7px; font-size: 18px; font-weight: 500; font-variant-numeric: tabular-nums; }
.est-disclaimer { margin-top: 26px; font-size: 13px; line-height: 1.6; color: var(--on-navy-muted); }

/* ---------- How it works ---------- */
.steps { list-style: none; margin: clamp(32px, 4vw, 56px) 0 0; padding: 0; }
.step {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 12px clamp(20px, 4vw, 56px);
  padding: clamp(22px, 3vw, 34px) 0; border-top: 1px solid var(--line);
}
.step-title { display: flex; align-items: baseline; gap: 16px; }
.step-num { font-family: var(--font-mono); font-size: 12px; letter-spacing: 0.1em; color: var(--amber-ink); flex: none; }
.step h3 { font-size: var(--fs-step); letter-spacing: -0.025em; line-height: 1.25; }
.step p { font-size: 16px; line-height: 1.6; color: var(--ink-muted); max-width: 56ch; }
.bg-navy .step { border-color: var(--navy-rule); }
.bg-navy .step p p { color: var(--on-navy-muted); }

/* ---------- Why SMN ---------- */
.why-title { max-width: 22ch; font-size: clamp(30px, 4.6vw, 62px); }
.values { --min: 250px; margin-top: clamp(40px, 5vw, 72px); }
.value { padding-top: 18px; border-top: 1px solid var(--stone-rule); }
.value h3 { font-size: 19px; font-weight: 500; letter-spacing: -0.01em; }
.value p { margin-top: 10px; font-size: 15px; line-height: 1.6; color: var(--stone-ink); }
.bg-paper .value, .bg-white .value { border-color: var(--line); }
.bg-paper .value p, .bg-white .value p { color: var(--ink-muted); }
/* values as white cards on paper (2026-10-13: dark text on the stone ground read as hard to see) */
.value-cards { gap: clamp(12px, 1.6vw, 20px); }
.value-cards .value {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md);
  padding: clamp(22px, 2.4vw, 30px) clamp(20px, 2vw, 26px);
}
.value-num { display: block; font-family: var(--font-mono); font-size: 13px; letter-spacing: 0.08em; color: var(--amber-ink); margin-bottom: 18px; }
.value-cards .value h3 { color: var(--ink); }
.mosaic { display: grid; gap: clamp(12px, 1.6vw, 20px); margin-top: clamp(28px, 3vw, 44px); }
.mosaic .tile-big { min-height: clamp(220px, 28vw, 340px); }
.mosaic .tile-side { display: grid; gap: inherit; }
.mosaic .tile-side > * { min-height: 130px; }
@media (min-width: 900px) { .mosaic { grid-template-columns: 2fr 1fr; } }
@media (max-width: 899.98px) { .mosaic .tile-side { grid-template-columns: 1fr 1fr; } }
.banks-block { margin-top: clamp(40px, 5vw, 72px); padding-top: 18px; border-top: 1px solid var(--stone-rule); }
.bank-grid { --min: 150px; --gap: clamp(10px, 1.2vw, 16px); margin-top: 18px; }
.bank-tile {
  height: 84px; border: 1px solid var(--stone-rule); border-radius: var(--r-sm); display: flex; align-items: center;
  justify-content: center; padding: 14px; font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.06em; color: var(--stone-ink);
}
.bank-tile img { max-height: 48px; width: auto; filter: grayscale(1) contrast(1.1); mix-blend-mode: multiply; }
.bg-paper .bank-tile, .bg-white .bank-tile { border-color: var(--line); color: var(--ink-muted); }

/* ---------- Documents ---------- */
.docs-split { --min: 320px; --gap: clamp(28px, 4vw, 64px); margin-top: clamp(28px, 3vw, 44px); }
.doc-tabs { display: flex; flex-direction: column; align-items: flex-start; }
.doc-tabs [role="tab"] {
  background: transparent; border: 0; padding: 9px 0; text-align: left; font-size: var(--fs-doc-tab); line-height: 1.14;
  letter-spacing: -0.03em; color: var(--on-navy-subtle); cursor: pointer; transition: color var(--ease);
}
.doc-tabs [role="tab"][aria-selected="true"], .doc-tabs [role="tab"]:hover { color: var(--white); }
.doc-single { font-size: var(--fs-doc-tab); line-height: 1.14; letter-spacing: -0.03em; color: var(--white); padding: 9px 0; }
.doc-note { margin-top: 28px; font-size: 15px; line-height: 1.65; color: var(--on-navy-muted); max-width: 44ch; }
.doc-cols { --min: 220px; --gap: clamp(20px, 3vw, 36px); }
.doc-list { list-style: none; margin: 16px 0 0; padding: 0; }
.doc-list li { font-size: 15px; line-height: 1.5; padding: 13px 0; border-top: 1px solid var(--navy-rule); }
.bg-paper .doc-list li, .bg-white .doc-list li { border-color: var(--line); }

/* ---------- Testimonials ---------- */
.quote-grid { --min: 290px; margin-top: 28px; }
.quote-card {
  background: var(--white); border-radius: var(--r-md); padding: clamp(22px, 2.4vw, 32px); display: flex; flex-direction: column; gap: 24px;
}
.bg-white .quote-card { background: var(--paper); }
.quote-card blockquote { font-family: var(--font-serif); font-size: var(--fs-quote); line-height: 1.3; letter-spacing: -0.01em; }
.quote-card figcaption { margin-top: auto; padding-top: 20px; border-top: 1px solid var(--line); display: flex; gap: 13px; align-items: center; }
.avatar {
  width: 44px; height: 44px; border-radius: var(--r-pill); background: var(--paper); display: inline-flex; align-items: center;
  justify-content: center; font-size: 14px; font-weight: 500; flex: none;
}
.bg-white .avatar { background: var(--white); }
.quote-name { font-size: 15px; font-weight: 500; }
.quote-meta { font-size: 13px; color: var(--ink-muted); }

/* ---------- FAQ ---------- */
.faq-list { margin-top: clamp(32px, 4vw, 56px); }
.faq-item { border-top: 1px solid var(--line); }
.faq-item summary {
  list-style: none; display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; padding: 24px 0;
  cursor: pointer; font-size: var(--fs-faq); line-height: 1.3; letter-spacing: -0.02em;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary h3 { font-size: inherit; letter-spacing: inherit; line-height: inherit; }
.faq-item summary { -webkit-tap-highlight-color: transparent; }
.faq-sign { position: relative; flex: none; width: 13px; height: 1.3em; color: var(--amber-ink); }
.faq-sign::before, .faq-sign::after {
  content: ""; position: absolute; left: 0; top: 50%; width: 13px; height: 1.5px; margin-top: -0.75px; background: currentColor;
}
.faq-sign::after { transform: rotate(90deg); transition: transform 220ms var(--ease-out); }  /* the vertical bar of "+" */
.faq-item[open] .faq-sign::after { transform: rotate(0deg); }                                  /* lies flat: "−" */
@media (hover: hover) and (pointer: fine) { .faq-item summary:hover h3 { color: var(--amber-ink); } }
.faq-item summary h3 { transition: color var(--ease); }
.faq-answer { padding: 0 48px 26px 0; font-size: 16px; line-height: 1.7; color: var(--ink-muted); max-width: 36em; }
@media (max-width: 599.98px) { .faq-answer { padding-right: 0; } }
.faq-answer p + p { margin-top: 12px; }

/* ---------- Lead form ---------- */
.lead-split { --min: 320px; --gap: clamp(32px, 5vw, 72px); }
.lead-title { line-height: 1.04; }
.lead-notes { list-style: none; margin: 32px 0 0; padding: 0; }
.lead-notes li { font-size: 15px; line-height: 1.6; color: var(--on-navy-muted); padding: 14px 0; border-top: 1px solid var(--navy-rule); }
.lead-panel { background: var(--white); color: var(--ink); padding: clamp(22px, 3vw, 40px); }
.lead-form { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 22px; }
.lead-form .span-full { grid-column: 1 / -1; }
.field-label, .lead-form legend {
  display: block; font-size: 12px; font-weight: 500; letter-spacing: 0.04em; text-transform: uppercase; color: var(--ink-muted);
  margin-bottom: 8px; float: none; width: auto; padding: 0;
}
.field-input {
  width: 100%; border: 0; border-bottom: 1px solid var(--line); border-radius: 0; background: transparent; padding: 12px 0;
  font-size: 17px; appearance: none; transition: border-color var(--ease);
}
.field-input:hover { border-bottom-color: var(--ink-muted); }
.field-input[aria-invalid="true"] { border-bottom-color: var(--error); }
select.field-input {
  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' fill='none' stroke='%23241C18' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 4px center; padding-right: 28px; cursor: pointer;
}
.field-error { margin-top: 8px; font-size: 12px; font-weight: 500; color: var(--error); }
.field-error:empty { display: none; }
.form-error { padding: 12px 0; border-block: 1px solid var(--error); color: var(--error); font-size: 13px; font-weight: 500; line-height: 1.5; }
.form-error:empty { display: none; }
.lead-form fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.radio-cards { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-card {
  flex: 1 1 140px; display: flex; align-items: center; gap: 10px; border: 1px solid var(--line); border-radius: var(--r-sm);
  padding: 14px 16px; font-size: 15px; background: var(--white); cursor: pointer; -webkit-tap-highlight-color: transparent;
  transition: border-color var(--ease), background-color var(--ease), transform 160ms var(--ease-out);
}
.radio-card:active { transform: scale(0.98); }
.radio-card:has(input:checked) { border-color: var(--ink); background: var(--paper); }
.radio-card input { width: 17px; height: 17px; accent-color: var(--ink); margin: 0; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 13px; line-height: 1.6; color: var(--ink-muted); cursor: pointer; }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--ink); flex: none; }
.form-footnote { font-size: 12px; line-height: 1.6; color: var(--ink-muted); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.lead-success { display: flex; flex-direction: column; align-items: flex-start; gap: 16px; padding: 14px 0; }
.lead-success .tick { font-family: var(--font-serif); font-size: 44px; line-height: 1; color: var(--amber-ink); }
.lead-success h3 { font-size: 26px; letter-spacing: -0.02em; }
.lead-success p { font-size: 15px; line-height: 1.65; color: var(--ink-muted); }
.lead-success .ref { font-family: var(--font-mono); font-size: 13px; letter-spacing: 0.08em; color: var(--ink); }
.lead-success .actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 6px; }
.btn-smn[aria-busy="true"] { opacity: 0.7; cursor: progress; }
.btn-smn[aria-busy="true"]::after {
  content: ""; width: 14px; height: 14px; border-radius: 50%; border: 1.5px solid currentColor; border-right-color: transparent;
  animation: smn-spin 600ms linear infinite;
}
@keyframes smn-spin { to { transform: rotate(360deg); } }
.lead-success:not([hidden]) {
  transition: opacity 300ms var(--ease-out), transform 300ms var(--ease-out);
  @starting-style { opacity: 0; transform: translateY(8px); }
}
.field-error:not(:empty) { transition: opacity 150ms ease; @starting-style { opacity: 0; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--on-navy-muted); border-top: 1px solid var(--navy-rule); padding: clamp(48px, 6vw, 88px) 0 36px; }
.footer-grid { --min: 220px; --gap: 40px; }
.footer-blurb { margin-top: 20px; font-size: 14px; line-height: 1.7; max-width: 34ch; }
.footer-ssm { margin-top: 16px; font-size: 13px; color: var(--on-navy-subtle); }
.footer-head { font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--white); }
.footer-list { list-style: none; margin: 18px 0 0; padding: 0; display: flex; flex-direction: column; gap: 12px; font-size: 14px; line-height: 1.55; }
.footer-list a { color: var(--on-navy-muted); text-decoration: none; display: inline-block; padding-block: 8px; margin-block: -5px; }
.footer-list a:hover { color: var(--amber); }
.footer-disclaimer { margin-top: 48px; padding-top: 22px; border-top: 1px solid var(--navy-rule); font-size: 14px; line-height: 1.7; max-width: 88ch; }
.footer-bottom { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; font-size: 13px; color: var(--on-navy-subtle); }
@media (max-width: 767.98px) { .site-footer { padding-bottom: 96px; } }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed; right: clamp(14px, 3vw, 32px); bottom: clamp(14px, 3vw, 32px); z-index: 80; display: inline-flex;
  align-items: center; gap: 10px; background: var(--amber); color: var(--navy); border-radius: var(--r-sm); padding: 14px 20px;
  font-size: 14px; font-weight: 500; text-decoration: none; min-height: 48px; transition: background-color var(--ease);
}
.wa-float:hover { background: var(--amber-hover); color: var(--navy); }
.wa-float { transition: background-color var(--ease), transform 160ms var(--ease-out); -webkit-tap-highlight-color: transparent; }
.wa-float:active { transform: scale(0.97); }
.wa-float svg { width: 20px; height: 20px; flex: none; }

/* ---------- Draft (staff-only) ---------- */
.is-draft { outline: 1px dashed var(--amber); outline-offset: 6px; }
.draft-badge {
  display: inline-block; font-family: var(--font-mono); font-size: 9px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--amber-ink); border: 1px solid var(--amber); padding: 2px 5px; background: var(--white);
}

/* ---------- Interior pages ---------- */
.split { display: grid; gap: clamp(28px, 4vw, 64px); grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); align-items: start; }
.body-copy { font-size: 17px; line-height: 1.7; color: var(--ink-muted); max-width: 36em; }
.body-copy p + p { margin-top: 16px; }
.benefit-grid { --min: 240px; margin-top: clamp(32px, 4vw, 52px); }
.benefit { padding-top: 18px; border-top: 1px solid var(--line); }
.benefit h3 { font-size: 19px; font-weight: 500; letter-spacing: -0.01em; }
.benefit p { margin-top: 10px; font-size: 15px; line-height: 1.6; color: var(--ink-muted); }
.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li { padding: 14px 0 14px 28px; border-top: 1px solid var(--line); position: relative; font-size: 16px; line-height: 1.5; }
.check-list li::before { content: ""; position: absolute; left: 2px; top: 21px; width: 12px; height: 7px; border-left: 1.5px solid var(--amber-ink); border-bottom: 1.5px solid var(--amber-ink); transform: rotate(-45deg); }
.cross-links { --min: 260px; margin-top: 28px; }
.cross-link {
  display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 0; border-top: 1px solid var(--line);
  color: var(--ink); text-decoration: none; font-size: var(--fs-card-title); letter-spacing: -0.02em;
}
.cross-link:hover { color: var(--amber-ink); }
.contact-list { list-style: none; margin: 0; padding: 0; }
.contact-list li { padding: 18px 0; border-top: 1px solid var(--line); display: grid; gap: 4px; }
.contact-list .k { font-size: 12px; font-weight: 500; letter-spacing: 0.04em; text-transform: uppercase; color: var(--ink-muted); }
.contact-list .v { font-size: 18px; }
.contact-list a { color: var(--ink); }
.contact-list a:hover { color: var(--amber-ink); }

/* ---------- Prose (legal, articles) ---------- */
.prose { font-size: 17px; line-height: 1.75; color: var(--ink); max-width: 38em; } /* ~75 characters; ch is wide in this face */
.prose > * + * { margin-top: 1em; }
.prose h2 { font-size: clamp(24px, 2.6vw, 32px); letter-spacing: -0.02em; line-height: 1.2; margin-top: 1.8em; }
.prose h3 { font-size: 20px; font-weight: 500; letter-spacing: -0.01em; margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li + li { margin-top: 0.4em; }
.prose blockquote { border-left: 2px solid var(--amber); padding-left: 18px; color: var(--ink-muted); font-family: var(--font-serif); font-size: 21px; }
.prose table { width: 100%; border-collapse: collapse; font-size: 15px; }
.prose th, .prose td { border-top: 1px solid var(--line); padding: 10px 8px 10px 0; text-align: left; vertical-align: top; }
.meta-line { font-size: 13px; color: var(--ink-muted); display: flex; flex-wrap: wrap; gap: 6px 16px; }
.hero .meta-line { color: var(--on-navy-muted); }

/* ---------- Articles ---------- */
.article-grid { --min: 300px; --gap: clamp(24px, 3vw, 40px); margin-top: 28px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); }
.article-card { display: flex; flex-direction: column; gap: 14px; color: var(--ink); text-decoration: none; }
.article-card:hover { color: var(--ink); }
.article-card:hover h3 { color: var(--amber-ink); }
.article-card h3 { font-size: clamp(20px, 2vw, 26px); letter-spacing: -0.02em; line-height: 1.25; transition: color var(--ease); }
.article-card p { font-size: 15px; line-height: 1.6; color: var(--ink-muted); }
.chip-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 24px; }
.chip {
  display: inline-flex; align-items: center; min-height: 44px; padding: 9px 14px; border: 1px solid var(--line); border-radius: var(--r-pill); font-size: 14px;
  color: var(--ink); text-decoration: none;
}
.empty-state { padding: clamp(22px, 3vw, 36px); border: 1px solid var(--line); border-radius: var(--r-md); background: var(--white); }
.chip { transition: background-color var(--ease), border-color var(--ease), color var(--ease), transform 160ms var(--ease-out); }
.chip[aria-current="page"] { background: var(--ink); border-color: var(--ink); color: var(--white); }
@media (hover: hover) and (pointer: fine) { .chip:hover { background: var(--ink); border-color: var(--ink); color: var(--white); } }
.chip:active { transform: scale(0.97); }
.pager { display: flex; justify-content: space-between; gap: 16px; margin-top: 48px; padding-top: 22px; border-top: 1px solid var(--line); }

@media (prefers-reduced-motion: reduce) {
  /* keep colour and opacity feedback; drop movement */
  html { scroll-behavior: auto; }
  .link-arrow:hover .arrow, .cross-link:hover .arrow, .service-frame:hover img,
  .btn-smn:active, .wa-float:active, .radio-card:active, .chip:active { transform: none; }
  .nav-toggle span, .service-frame img, .link-arrow .arrow, .cross-link .arrow, .faq-sign::after, .nav-caret { transition: none; }
  .nav-services-toggle[aria-expanded="true"] + .services-menu { transition: opacity 160ms ease; @starting-style { opacity: 0; transform: none; } }
  .mobile-menu:not([hidden]), .lead-success:not([hidden]) { transition: opacity 200ms ease; @starting-style { opacity: 0; transform: none; } }
  .btn-smn[aria-busy="true"]::after { animation-duration: 1.6s; }
}

/* spacing helpers used by section partials */
.est-intro { margin-top: 18px; }
.est-tabs { margin-top: clamp(36px, 5vw, 60px); }
.est-note { margin-top: 10px; }
.est-single { margin-top: clamp(32px, 4vw, 52px); }
.block-gap { margin-top: clamp(40px, 5vw, 72px); }
.block-gap-sm { margin-top: clamp(24px, 3vw, 40px); }
.mt-18 { margin-top: 18px; }
.mt-28 { margin-top: 28px; }
.article-dek { font-size: clamp(20px, 2.2vw, 28px); max-width: 40ch; }

/* on-navy eyebrows (hero/estimator result are navy without the .bg-navy class) */
.hero .eyebrow, .est-result .eyebrow { color: var(--amber); }
/* mosaic: tiles stretch to the row instead of keeping their placeholder ratio */
.mosaic .stripe, .mosaic .media { aspect-ratio: auto; height: 100%; }
.mosaic .tile-side { grid-template-rows: 1fr 1fr; }
/* the big tile is about 2.4:1 on desktop; crop from the upper part so a group photo keeps its heads */
.mosaic .tile-big img { object-position: 50% 25%; }

/* about: the team photo under "Why we started" */
.team-photo { margin-bottom: 0; }
.team-caption { margin-top: 14px; font-size: 13px; line-height: 1.6; color: var(--ink-muted); }

/* a section that continues the ground of the one before it (home: estimator → how it works) */
.section.continues { padding-top: 0; }
.section.continues > .wrap > .continues-rule { border-top: 1px solid var(--line); padding-top: clamp(44px, 6vw, 80px); }

/* two sections on the same ground: one gap and a hairline, not two stacked paddings */
.section.bg-white + .section.bg-white:not(.continues), .section.bg-paper + .section.bg-paper:not(.continues) { padding-top: 0; }
.section.bg-white + .section.bg-white:not(.continues) > :first-child::before,
.section.bg-paper + .section.bg-paper:not(.continues) > :first-child::before {
  content: ""; display: block; border-top: 1px solid var(--line); margin-bottom: var(--section-y);
}
.est-tabs.is-first { margin-top: 0; }

/* 中文: Instrument Serif has no CJK glyphs, so the accent stays upright (Songti) instead of a faked oblique */
:lang(zh-Hans) .accent { font-style: normal; font-synthesis: none; letter-spacing: 0; }
/* Chinese breaks between any two characters. Never `keep-all`: WebKit then won't break even at "，",
   so a long heading runs off the side of an iPhone. An accent that follows "，" is a clause of its own
   and stays whole; greedy wrapping (not Safari's line-evening `pretty`) lets the line end at "，". */
:lang(zh-Hans) :is(.display-1, .display-2, .statement) { line-break: strict; }
:lang(zh-Hans) .accent-clause { display: inline-block; text-wrap: pretty; }
:lang(zh-Hans) :is(.display-1, .display-2):has(> .accent-clause) { text-wrap: wrap; }

/* avoid one-word last lines in short copy */
.step p, .footer-disclaimer, .body-copy p, .lead-text, .hero-lead, .service-benefit, .value p, .benefit p { text-wrap: pretty; }

/* FAQ answers ease open. Needs ::details-content + interpolate-size; elsewhere they open instantly. */
:root { interpolate-size: allow-keywords; }
@media (prefers-reduced-motion: no-preference) {
  .faq-item::details-content {
    block-size: 0; overflow: clip;
    transition: block-size 220ms var(--ease-out), content-visibility 220ms allow-discrete;
  }
  .faq-item[open]::details-content { block-size: auto; }
}