/* =======================================================================
   Private Student Loan Solutions - "Account Sheet" design system
   A calm account-app look for a stressful bill: forest ink, one emerald,
   pale-mint fields on a near-white page, white sheets with soft layered
   shadows, pill controls, ledger rows instead of icon cards.
   Distinct from the sibling sites (indigo, burgundy, terracotta, blue).
   All sizing is rem so the large-monitor scale-up is one root rule.
   ======================================================================= */

:root {
  /* -- surfaces -- */
  --paper: #fbfdfc;
  --surface: #ffffff;
  --mint-50: #ecf7f1;
  --mint-100: #dff3e8;
  --mint-200: #bfe6d1;
  --forest: #0a261e;

  /* -- text -- */
  --ink: #0b2a21;
  --ink-muted: #3d574d;
  --ink-faint: #56695f;

  /* -- lines -- */
  --line: rgba(11, 42, 33, 0.10);
  --line-strong: rgba(11, 42, 33, 0.20);

  /* -- brand: one emerald. --brand for fills and graphics, --brand-deep
        carries white text (5.0:1), --brand-ink is text-safe on mint -- */
  --brand: #12b076;
  --brand-deep: #087f58;
  --brand-deeper: #066a49;
  --brand-ink: #066a49;
  --brand-tint: rgba(18, 176, 118, 0.16);
  --on-dark: #58e0a4;

  /* -- status -- */
  --danger: #b42318;
  --danger-soft: rgba(180, 35, 24, 0.08);

  /* -- shape: one radius system -- */
  --r-sm: 0.875rem;
  --r-md: 1.25rem;
  --r-lg: 1.75rem;
  --r-xl: 2.5rem;
  --r-pill: 999px;

  /* -- depth: offset plus soft blur -- */
  --shadow-sm: 0 1px 2px rgba(11, 42, 33, 0.05), 0 4px 12px -4px rgba(11, 42, 33, 0.08);
  --shadow-md: 0 2px 4px rgba(11, 42, 33, 0.04), 0 16px 32px -12px rgba(11, 42, 33, 0.16);
  --shadow-lg: 0 2px 6px rgba(11, 42, 33, 0.05), 0 32px 64px -24px rgba(11, 42, 33, 0.30);

  /* -- type -- */
  --font-display: "Bricolage Grotesque", "Hanken Grotesk", system-ui, sans-serif;
  --font-body: "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", sans-serif;

  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --wrap: 75rem;
  --nav-clear: 6rem;
}

/* ---------------------------------------------------------------------
   Reset and base
   --------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html {
  scroll-behavior: smooth;
  scrollbar-color: var(--mint-200) var(--paper);
  -webkit-text-size-adjust: 100%;
}
@media (min-width: 90rem) { html { font-size: 110%; } }
@media (min-width: 120rem) { html { font-size: 115%; } }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important; animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important; scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  caret-color: var(--brand-deep);
}

::selection { background: var(--mint-200); color: var(--ink); }
.final-cta ::selection, .site-footer ::selection, .cta-banner ::selection { background: var(--on-dark); color: var(--forest); }

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; list-style: none; }
button { font: inherit; }
h1, h2, h3, h4 {
  margin: 0; font-family: var(--font-display); font-weight: 700; line-height: 1.08;
  letter-spacing: -0.024em; color: var(--ink); text-wrap: balance;
}
p { margin: 0; text-wrap: pretty; }
strong { font-weight: 650; }

:focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; }
.final-cta :focus-visible, .site-footer :focus-visible, .cta-banner :focus-visible { outline-color: var(--on-dark); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 1.75rem; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; margin: -1px; overflow: hidden;
  clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.visually-hidden:focus {
  position: fixed; top: 0.75rem; left: 0.75rem; width: auto; height: auto; margin: 0;
  padding: 0.65rem 1.1rem; background: var(--brand-deep); color: #fff; z-index: 999; clip: auto;
  border-radius: var(--r-pill); font-weight: 600; font-size: 0.9rem;
}

/* ---------------------------------------------------------------------
   Reveal on scroll (content stays visible without JS)
   --------------------------------------------------------------------- */
.js-ready [data-reveal] { opacity: 0; transform: translateY(1rem); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.js-ready [data-reveal].is-visible { opacity: 1; transform: none; }
/* Ledger and chip groups reveal as a cascade, once */
.js-ready .grouped-list[data-reveal], .js-ready .lender-chips[data-reveal] { transform: none; }
.js-ready .grouped-list[data-reveal] > li, .js-ready .lender-chips[data-reveal] > li {
  opacity: 0; transform: translateY(0.75rem); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease);
}
.js-ready .grouped-list.is-visible > li, .js-ready .lender-chips.is-visible > li { opacity: 1; transform: none; }
.grouped-list > li:nth-child(2), .lender-chips > li:nth-child(2) { transition-delay: 60ms; }
.grouped-list > li:nth-child(3), .lender-chips > li:nth-child(3) { transition-delay: 120ms; }
.grouped-list > li:nth-child(4), .lender-chips > li:nth-child(4) { transition-delay: 180ms; }
.grouped-list > li:nth-child(5), .lender-chips > li:nth-child(5) { transition-delay: 240ms; }
.grouped-list > li:nth-child(6), .lender-chips > li:nth-child(6) { transition-delay: 300ms; }
.grouped-list > li:nth-child(7), .lender-chips > li:nth-child(7) { transition-delay: 360ms; }
.grouped-list > li:nth-child(n+8), .lender-chips > li:nth-child(n+8) { transition-delay: 420ms; }

/* ---------------------------------------------------------------------
   Buttons
   --------------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem;
  min-height: 3.25rem; padding: 0.75rem 1.6rem; border-radius: var(--r-pill);
  border: 1.5px solid transparent; font: 650 1rem/1.2 var(--font-body); letter-spacing: -0.005em;
  cursor: pointer; text-align: center;
  transition: transform 0.25s var(--ease), background-color 0.2s ease, border-color 0.2s ease, box-shadow 0.25s var(--ease), color 0.2s ease;
}
.btn i { font-size: 1.15rem; transition: transform 0.25s var(--ease); }
.btn:hover i.ph-arrow-right { transform: translateX(0.2rem); }
.btn:active { transform: translateY(1px) scale(0.99); }
.btn-primary {
  background: var(--brand-deep); color: #fff;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.2), 0 8px 18px -8px rgba(8, 127, 88, 0.7);
}
.btn-primary:hover { background: var(--brand-deeper); transform: translateY(-2px); box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.2), 0 14px 24px -10px rgba(8, 127, 88, 0.75); }
.btn-ghost { background: var(--surface); color: var(--ink); border-color: var(--line-strong); }
.btn-ghost:hover { border-color: var(--ink); transform: translateY(-1px); }
.btn-on-dark { background: var(--on-dark); color: var(--forest); box-shadow: 0 10px 24px -10px rgba(0, 0, 0, 0.5); }
.btn-on-dark:hover { background: #7aecb9; transform: translateY(-2px); }
.btn-block { width: 100%; }
.btn-sm { min-height: 2.75rem; padding: 0.5rem 1.25rem; font-size: 0.95rem; }

/* ---------------------------------------------------------------------
   Header: a floating pill over the page. The header takes no height, so
   heroes run behind it.
   --------------------------------------------------------------------- */
.site-nav { position: sticky; top: 0.75rem; z-index: 50; height: 0; }
.site-nav .wrap {
  position: relative; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem;
  width: min(100% - 2rem, var(--wrap)); max-width: none; height: 4rem; padding: 0 0.6rem 0 1.4rem;
  background: rgba(255, 255, 255, 0.92); -webkit-backdrop-filter: blur(14px) saturate(1.5); backdrop-filter: blur(14px) saturate(1.5);
  border: 1px solid var(--line); border-radius: var(--r-pill); box-shadow: var(--shadow-md);
}
.nav-left { display: flex; align-items: center; justify-content: flex-start; gap: 2.75rem; flex: 1; min-width: 0; }

.brand { display: flex; align-items: center; gap: 0.7rem; flex-shrink: 0; }
.brand-mark { width: 2.75rem; height: 2.75rem; flex-shrink: 0; }
/* wordmark rebuilt as live text: two justified lines, ink over emerald, as in the logo */
/* wordmark rebuilt as live text: heavy "PSL" over a small, widely tracked "SOLUTIONS", both lines the same width */
.brand-text { display: flex; flex-direction: column; align-items: flex-start; gap: 0.3rem; text-transform: uppercase; line-height: 0.8; }
.brand-text span { font-family: var(--font-display); font-size: 2.3rem; font-weight: 800; letter-spacing: -0.01em; color: var(--ink); }
.brand-text strong { font-family: var(--font-body); font-size: 0.66rem; font-weight: 700; letter-spacing: 0.1em; color: var(--brand-deep); }

.nav-links { display: flex; align-items: center; gap: 0.25rem; }
.nav-links a {
  display: block; padding: 0.5rem 0.95rem; border-radius: var(--r-pill);
  font-size: 0.9375rem; font-weight: 550; color: var(--ink-muted); transition: background-color 0.2s ease, color 0.2s ease;
}
.nav-links a:hover { background: var(--mint-50); color: var(--ink); }
.nav-links a[aria-current="page"] { background: var(--mint-100); color: var(--brand-ink); font-weight: 650; }

.nav-actions { display: flex; align-items: center; gap: 0.75rem; }
.nav-phone, .nav-actions .btn { white-space: nowrap; }
.nav-phone { display: flex; align-items: center; gap: 0.55rem; font-size: 0.9375rem; font-weight: 650; color: var(--ink); padding-right: 0.25rem; }
.nav-phone i {
  display: grid; place-items: center; width: 2rem; height: 2rem; border-radius: 50%;
  background: var(--mint-100); color: var(--brand-ink); font-size: 1rem; transition: background-color 0.2s ease, color 0.2s ease;
}
.nav-phone:hover i { background: var(--brand-deep); color: #fff; }

.nav-menu-toggle {
  display: none; align-items: center; justify-content: center; width: 2.75rem; height: 2.75rem;
  background: var(--mint-100); border: 0; border-radius: 50%; color: var(--ink); font-size: 1.25rem; cursor: pointer;
}
.mobile-nav-panel { display: none; }


@media (max-width: 62rem) {
  .nav-links, .nav-phone, .nav-actions .btn { display: none; }
  .nav-menu-toggle { display: inline-flex; }
  .mobile-nav-panel {
    position: absolute; top: calc(100% + 0.6rem); left: 0; right: 0; flex-direction: column; gap: 0.25rem;
    background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg); padding: 0.75rem;
  }
  .mobile-nav-panel:not([hidden]) { display: flex; animation: panel-in 0.3s var(--ease); }
  .mobile-nav-panel a:not(.btn) { padding: 0.9rem 1rem; border-radius: var(--r-sm); font-weight: 600; color: var(--ink); }
  .mobile-nav-panel a:not(.btn):hover { background: var(--mint-50); }
  .mobile-nav-phone { display: flex; align-items: center; gap: 0.6rem; color: var(--brand-ink) !important; }
  .mobile-nav-panel .btn { margin-top: 0.5rem; }
}
@keyframes panel-in { from { opacity: 0; transform: translateY(-0.5rem); } to { opacity: 1; transform: none; } }

/* ---------------------------------------------------------------------
   Page rhythm and section headers
   --------------------------------------------------------------------- */
main { padding-top: var(--nav-clear); }
section { padding: 5.5rem 0; }
@media (max-width: 45rem) { section { padding: 3.75rem 0; } }
.is-sunken { background: var(--mint-50); border-radius: var(--r-xl); margin: 0 1rem; }
@media (max-width: 45rem) { .is-sunken { border-radius: var(--r-lg); margin: 0 0.5rem; } }

/* Section labels come from the source copy. They sit under the heading as a
   subtitle line, and headings stay in a sticky left column beside the content. */
.kicker { display: block; margin: 0 0 1rem; font-size: 1.0625rem; line-height: 1.4; font-weight: 650; color: var(--brand-ink); }
.section-head { max-width: 52rem; margin-bottom: 3rem; }
.section-head h2 { font-size: clamp(1.85rem, 1.2rem + 2.1vw, 2.85rem); margin-bottom: 0.9rem; }
:is(h2, h3) + .kicker { margin-top: -0.35rem; }
.section-head p { color: var(--ink-muted); font-size: 1.125rem; max-width: 62ch; }
.section-head p + p { margin-top: 0.9rem; }
.section-head p.kicker { color: var(--brand-ink); font-size: 1.0625rem; max-width: none; margin-bottom: 1.1rem; }
.callout-title { font-size: clamp(1.75rem, 1.2rem + 2vw, 2.6rem); margin-bottom: 1.25rem; max-width: 24ch; }
.rail-block { margin-bottom: 2.75rem; }
.rail-block h3 { font-size: 1.5rem !important; margin-bottom: 0.4rem !important; }

.fine-print { color: var(--ink-muted); font-size: 1rem; margin-top: 1.5rem; max-width: 64ch; }
.fine-print strong { color: var(--ink); }

@media (min-width: 62rem) {
  .wrap:has(> .section-head):not(.stack) { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); column-gap: 4rem; align-items: start; }
  .wrap:has(> .section-head):not(.stack) > .section-head { grid-column: 1; grid-row: 1 / span 12; position: sticky; top: 6.5rem; margin-bottom: 0; }
  .wrap:has(> .section-head):not(.stack) > :not(.section-head) { grid-column: 2; }
  .wrap:has(> .section-head):not(.stack) > .btn { justify-self: start; }
}

/* ---------------------------------------------------------------------
   Chips (trust markers)
   --------------------------------------------------------------------- */
.trust-row { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.trust-row li, .chip {
  display: inline-flex; align-items: center; gap: 0.45rem; padding: 0.42rem 0.85rem 0.42rem 0.65rem;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-pill);
  font-size: 0.84rem; font-weight: 600; color: var(--ink-muted); box-shadow: var(--shadow-sm);
}
.trust-row i, .chip i { color: var(--brand-deep); font-size: 1.05rem; }
.trust-row .chip-brand, .chip-brand { background: var(--brand-deep); border-color: transparent; color: #fff; box-shadow: none; }
.trust-row .chip-brand i, .chip-brand i { color: var(--on-dark); }

/* ---------------------------------------------------------------------
   Hero (home)
   --------------------------------------------------------------------- */
.hero {
  position: relative; margin-top: calc(var(--nav-clear) * -1); padding: calc(var(--nav-clear) + 3.25rem) 0 5.5rem;
  background: var(--mint-100); border-radius: 0 0 var(--r-xl) var(--r-xl); overflow: hidden;
}
.hero::before, .page-hero::before, .apply-hero::before, .cta-banner::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(6, 106, 73, 0.2) 1.2px, transparent 1.5px); background-size: 1.4rem 1.4rem;
  -webkit-mask-image: linear-gradient(to bottom left, #000 0%, transparent 55%);
  mask-image: linear-gradient(to bottom left, #000 0%, transparent 55%);
}
.hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 4rem; align-items: start; }
/* Headline block sits in the vertical middle of the left side, with the headline and the rating badges as one group centered on the form card. A fixed offset
   (not centering against the form's live height) so the headline does not jump when the form changes steps. */
@media (min-width: 61.3125rem) { .hero-copy { padding-top: 4.7rem; } }
.hero h1 { font-size: clamp(2.4rem, 1.2rem + 3.4vw, 3.85rem); letter-spacing: -0.026em; line-height: 1.03; margin-bottom: 1.4rem; }
.hero h1 span { display: block; }
.hero-sub { color: var(--ink-muted); font-size: clamp(1.1rem, 1rem + 0.5vw, 1.35rem); line-height: 1.45; max-width: 30rem; margin-bottom: 2rem; }

/* proof: BBB text badge + supplied rating graphic as two tiles, disclosure as plain text */
.hero-trust-badges { display: flex; align-items: center; gap: 0.85rem; flex-wrap: wrap; max-width: 33rem; }
.hero-bbb { display: flex; align-items: center; gap: 0.85rem; padding: 0.5rem 1.15rem 0.5rem 0.6rem; background: var(--forest); border-radius: var(--r-md); box-shadow: var(--shadow-md); }
.hero-bbb i {
  display: grid; place-items: center; width: 2.4rem; height: 2.4rem; border-radius: 50%;
  background: rgba(88, 224, 164, 0.14); color: var(--on-dark); font-size: 1.5rem;
}
.hero-bbb span { font-size: 0.8125rem; font-weight: 600; color: #b9d3c7; line-height: 1.2; }
.hero-bbb strong { display: block; font: 700 1.5rem/1 var(--font-display); color: #fff; letter-spacing: -0.03em; margin-bottom: 0.15rem; }
.hero-rating-img { height: 6.5rem; width: auto; border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--shadow-sm); }
.hero-trust-disclosure { font-size: 0.8125rem; line-height: 1.5; color: var(--ink-muted); max-width: 33rem; margin-top: 0.9rem; }

/* entrance: one authored moment, hero copy cascades and the sheet rises */
@media (prefers-reduced-motion: no-preference) {
  .hero-copy > * { animation: rise 0.9s var(--ease) both; }
  .hero-copy > :nth-child(2) { animation-delay: 80ms; }
  .hero-copy > :nth-child(3) { animation-delay: 160ms; }
  .hero-copy > :nth-child(4) { animation-delay: 240ms; }
  .hero-copy > :nth-child(5) { animation-delay: 300ms; }
  .hero-copy > :nth-child(6), .hero-copy > :nth-child(7) { animation-delay: 360ms; }
  .hero-form-col { animation: rise 1s 0.2s var(--ease) both; }
}
@keyframes rise { from { opacity: 0; transform: translateY(1.5rem); } to { opacity: 1; transform: none; } }

@media (max-width: 61.25rem) {
  .hero-grid { display: flex; flex-direction: column; gap: 0; }
  .hero-copy { display: contents; }
  .hero-form-col { order: 1; }
  .hero-trust-badges { order: 2; margin-top: 2rem; }
  .hero-trust-disclosure { order: 3; }
}
@media (max-width: 45rem) {
  .hero { padding-bottom: 3.5rem; border-radius: 0 0 var(--r-lg) var(--r-lg); }
  .hero-trust-badges, .hero-trust-disclosure { max-width: none; }
  .hero-rating-img { height: auto; width: min(100%, 22rem); }
}

/* ---------------------------------------------------------------------
   Form sheet and stepper (home, apply, contact)
   --------------------------------------------------------------------- */
.form-panel {
  position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 2rem; box-shadow: var(--shadow-lg);
}
.form-badge {
  display: inline-flex; align-items: center; gap: 0.45rem; padding: 0.4rem 0.85rem 0.4rem 0.7rem; margin-bottom: 1.25rem;
  background: var(--mint-100); color: var(--brand-ink); border-radius: var(--r-pill); font-size: 0.8125rem; font-weight: 650;
}
.form-panel-head { margin-bottom: 1.5rem; }
.form-panel-head h2 { font-size: 1.75rem; letter-spacing: -0.03em; margin-bottom: 0.6rem; }
.form-panel-head p { color: var(--ink-muted); font-size: 1rem; line-height: 1.5; }
.form-panel-head strong { color: var(--ink); }

.progress { margin: 0 0 1.75rem; }
.progress-track { position: relative; height: 0.5rem; background: var(--mint-100); border-radius: var(--r-pill); overflow: hidden; }
.progress-fill { width: 100%; height: 100%; background: var(--brand); transform-origin: left center; transform: scaleX(0.25); transition: transform 0.5s var(--ease); animation: fill-in 1s 0.6s var(--ease) both; }
/* four segments: gaps cut through the track and the fill */
.progress-track::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(90deg,
    transparent calc(25% - 3px), var(--surface) calc(25% - 3px) calc(25% + 3px), transparent calc(25% + 3px) calc(50% - 3px),
    var(--surface) calc(50% - 3px) calc(50% + 3px), transparent calc(50% + 3px) calc(75% - 3px),
    var(--surface) calc(75% - 3px) calc(75% + 3px), transparent calc(75% + 3px));
}
@keyframes fill-in { from { clip-path: inset(0 100% 0 0); } to { clip-path: inset(0 0 0 0); } }
.progress-label { display: flex; justify-content: space-between; margin-top: 0.7rem; font-size: 0.875rem; font-weight: 600; color: var(--ink-faint); font-variant-numeric: tabular-nums; }
.progress-label span:last-child { color: var(--ink); }

.form-step:not([hidden]) { animation: step-in 0.45s var(--ease); }
@keyframes step-in { from { opacity: 0; transform: translateX(0.75rem); } to { opacity: 1; transform: none; } }

.field { margin-bottom: 1.25rem; }
.field-row { display: grid; gap: 1rem; }
.field-row-2 { grid-template-columns: 1fr 1fr; }
.field label { display: block; font-size: 0.9375rem; font-weight: 650; color: var(--ink); margin-bottom: 0.5rem; letter-spacing: -0.005em; }

.input {
  width: 100%; min-height: 3.5rem; background: var(--surface); border: 1.5px solid var(--line-strong); color: var(--ink);
  padding: 0.85rem 1rem; font: 500 1rem var(--font-body); border-radius: var(--r-sm);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.input:hover { border-color: var(--ink-faint); }
.input::placeholder { color: var(--ink-faint); font-weight: 400; }
.input:focus { outline: none; border-color: var(--brand-deep); box-shadow: 0 0 0 4px var(--brand-tint); }
textarea.input { resize: vertical; min-height: 8.5rem; line-height: 1.5; }

.select-wrap { position: relative; }
.select-wrap select.input { appearance: none; -webkit-appearance: none; padding-right: 2.75rem; cursor: pointer; }
.select-wrap i { position: absolute; right: 1.1rem; top: 50%; transform: translateY(-50%); color: var(--ink-muted); pointer-events: none; font-size: 1rem; }

.input-prefix-wrap { position: relative; }
.input-prefix-wrap .prefix {
  position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--ink-muted);
  font-weight: 650; font-variant-numeric: tabular-nums;
}
.input-prefix-wrap .input { padding-left: 2.1rem; font-variant-numeric: tabular-nums; }

/* loan type: option rows with a drawn radio */
.segmented { display: flex; flex-direction: column; gap: 0.6rem; }
.segmented input[type="radio"] { position: absolute; opacity: 0; width: 1px; height: 1px; }
.segmented label {
  display: flex; align-items: center; gap: 0.85rem; margin: 0; padding: 0.95rem 1.1rem; cursor: pointer;
  background: var(--surface); border: 1.5px solid var(--line-strong); border-radius: var(--r-sm);
  font-size: 0.9875rem; font-weight: 550; color: var(--ink);
  transition: border-color 0.2s ease, background-color 0.2s ease, box-shadow 0.2s ease;
}
.segmented label::before {
  content: ""; flex-shrink: 0; width: 1.35rem; height: 1.35rem; border-radius: 50%; background: var(--surface);
  border: 2px solid var(--line-strong); transition: border-color 0.2s ease, box-shadow 0.25s var(--ease), background-color 0.2s ease;
}
.segmented label:hover { border-color: var(--ink-faint); }
.segmented input[type="radio"]:checked + label { border-color: var(--brand-deep); background: var(--mint-50); box-shadow: 0 0 0 3px var(--brand-tint); }
.segmented input[type="radio"]:checked + label::before { border-color: var(--brand-deep); background: var(--brand-deep); box-shadow: inset 0 0 0 3.5px var(--surface); }
.segmented input[type="radio"]:focus-visible + label { outline: 3px solid var(--brand); outline-offset: 2px; }

.form-panel-head:has(+ .form-disclaimer) { margin-bottom: 1rem; }
.form-disclaimer { display: flex; align-items: flex-start; gap: 0.65rem; margin: 0 0 1.5rem; padding: 0.75rem 0.9rem; background: var(--mint-50); border: 1px solid var(--mint-200); border-radius: var(--r-sm); font-size: 0.875rem; line-height: 1.45; color: var(--ink-muted); }
.form-disclaimer i { flex-shrink: 0; margin-top: 0.05rem; color: var(--brand-deep); font-size: 1.15rem; }
.hint { font-size: 0.875rem; color: var(--ink-muted); margin-top: 0.6rem; }
.hint em { font-style: normal; }

.inline-note {
  display: none; align-items: flex-start; gap: 0.7rem; margin-top: 0.85rem; padding: 0.9rem 1rem;
  background: var(--mint-50); border: 1px solid var(--mint-200); border-radius: var(--r-sm); font-size: 0.9375rem; color: var(--ink-muted);
}
.inline-note.is-visible { display: flex; animation: step-in 0.35s var(--ease); }
.inline-note i { color: var(--brand-deep); font-size: 1.2rem; margin-top: 0.05rem; }

.consent { display: flex; align-items: flex-start; gap: 0.75rem; }
.consent input { margin-top: 0.2rem; accent-color: var(--brand-deep); width: 1.25rem; height: 1.25rem; flex-shrink: 0; }
.consent label { font-size: 0.9375rem; font-weight: 450; color: var(--ink-muted); margin: 0; line-height: 1.5; }
.consent a { color: var(--brand-ink); text-decoration: underline; text-underline-offset: 0.2em; }

.error-msg { display: none; align-items: center; gap: 0.4rem; margin-top: 0.55rem; font-size: 0.875rem; font-weight: 550; color: var(--danger); }
.has-error .input, .has-error .segmented label { border-color: var(--danger); }
.has-error .error-msg { display: flex; animation: step-in 0.3s var(--ease); }

.form-nav { display: flex; gap: 0.75rem; margin-top: 1.75rem; }
.form-nav.single { display: block; }
.form-nav .btn-ghost { flex: 0 0 auto; }
.form-nav .btn-primary { flex: 1; }

.form-foot-trust { justify-content: center; margin-top: 1.25rem; }
.form-foot-trust li { background: transparent; border: 0; box-shadow: none; padding: 0; }

.form-success { text-align: center; padding: 1.5rem 0.5rem; }
.form-success i {
  display: grid; place-items: center; width: 4.5rem; height: 4.5rem; margin: 0 auto 1.1rem; border-radius: 50%;
  background: var(--mint-100); color: var(--brand-deep); font-size: 2.4rem; animation: pop 0.6s var(--ease);
}
@keyframes pop { from { transform: scale(0.6); opacity: 0; } to { transform: none; opacity: 1; } }
.form-success h3 { font-size: 1.5rem; margin-bottom: 0.6rem; }
.form-success p { color: var(--ink-muted); }

@media (max-width: 45rem) {
  .form-panel { padding: 1.5rem 1.25rem; border-radius: var(--r-md); }
  .field-row-2 { grid-template-columns: 1fr; gap: 0; }
}

/* ---------------------------------------------------------------------
   Reviews: continuous strip of the supplied review screenshots
   --------------------------------------------------------------------- */
.review-marquee {
  position: relative; overflow: hidden; padding: 1.5rem 0 2rem;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 5rem, #000 calc(100% - 5rem), transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 5rem, #000 calc(100% - 5rem), transparent 100%);
}
.review-track { display: flex; align-items: center; gap: 1.5rem; width: max-content; animation: review-scroll 58s linear infinite; }
.review-marquee:hover .review-track { animation-play-state: paused; }
.review-card {
  flex: 0 0 auto; padding: 0.5rem; background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-md); box-shadow: var(--shadow-md);
}
.review-card img { height: 15.5rem; width: auto; border-radius: calc(var(--r-md) - 0.5rem); }
@keyframes review-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .review-marquee { overflow-x: auto; -webkit-mask-image: none; mask-image: none; scroll-snap-type: x proximity; padding-left: 1.75rem; padding-right: 1.75rem; }
  .review-track { animation: none; }
  .review-card { scroll-snap-align: start; }
  .review-card[aria-hidden="true"] { display: none; }
}
#reviews .section-head { margin-bottom: 1rem; }
@media (max-width: 40rem) {
  .review-marquee { overflow-x: auto; -webkit-mask-image: none; mask-image: none; scroll-snap-type: x mandatory; padding-left: 1.75rem; padding-right: 1.75rem; }
  .review-track { animation: none; gap: 1rem; }
  .review-card { scroll-snap-align: start; }
  .review-card[aria-hidden="true"] { display: none; }
  .review-card img { height: 17rem; }
}

/* ---------------------------------------------------------------------
   Lender / servicer pills
   --------------------------------------------------------------------- */
.lender-chips { display: flex; flex-wrap: wrap; gap: 0.65rem; margin: 0.5rem 0 0; }
.lender-chips li {
  padding: 0.65rem 1.2rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-pill);
  font-size: 1rem; font-weight: 650; color: var(--ink); box-shadow: var(--shadow-sm); transition: transform 0.25s var(--ease), border-color 0.2s ease;
}
.lender-chips li:hover { transform: translateY(-2px); border-color: var(--brand); }
.lender-chips + .fine-print { margin-top: 1.75rem; }

/* ---------------------------------------------------------------------
   Ledger: rows with a round badge, like an activity feed
   --------------------------------------------------------------------- */
.grouped-list {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-md); overflow: hidden;
}
.grouped-list li { display: flex; align-items: center; gap: 1rem; padding: 1rem 1.5rem; border-bottom: 1px solid var(--line); transition: background-color 0.2s ease; }
.grouped-list li:last-child { border-bottom: 0; }
.grouped-list li:hover { background: var(--mint-50); }
.grouped-list li > i {
  display: grid; place-items: center; flex-shrink: 0; width: 2.5rem; height: 2.5rem; border-radius: 50%;
  background: var(--mint-100); color: var(--brand-ink); font-size: 1.15rem;
}
.grouped-list span { color: var(--ink-muted); font-size: 1.0625rem; line-height: 1.5; }
.grouped-list span strong { color: var(--ink); }
.grouped-list li:not(:has(strong)) span { color: var(--ink); font-weight: 500; }
.grouped-list li:has(> span > strong) { align-items: flex-start; }

/* bullets for plain statements */
.text-list { display: flex; flex-direction: column; gap: 0.75rem; }
.text-list li { position: relative; padding-left: 1.6rem; color: var(--ink-muted); font-size: 1.0625rem; }
.text-list li::before { content: ""; position: absolute; left: 0.2rem; top: 0.62em; width: 0.5rem; height: 0.5rem; border-radius: 50%; background: var(--brand); }
.text-list strong { color: var(--ink); }

/* ---------------------------------------------------------------------
   About block, statement card
   --------------------------------------------------------------------- */
.feature-block-media { border-radius: var(--r-lg); overflow: hidden; background: var(--mint-100); box-shadow: var(--shadow-md); }
.feature-block-media img { display: block; width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; }

.stat-row { margin-top: 1.5rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-md); overflow: hidden; }
.stat-row li { display: flex; flex-direction: row-reverse; justify-content: space-between; align-items: baseline; gap: 1.5rem; padding: 1.15rem 1.75rem; border-bottom: 1px solid var(--line); }
.stat-row li:last-child { border-bottom: 0; }
.stat-row .stat-num { font: 700 1.75rem/1 var(--font-display); letter-spacing: -0.03em; color: var(--brand-ink); font-variant-numeric: tabular-nums; }
.stat-row .stat-label { font-size: 1.0625rem; color: var(--ink-muted); }


/* ---------------------------------------------------------------------
   Callout (how it works: validation)
   --------------------------------------------------------------------- */
.callout { max-width: none; }
.callout > p { color: var(--ink-muted); margin-bottom: 1.25rem; max-width: 66ch; }
.callout .text-list { margin: 1.5rem 0; gap: 1.1rem; }
.callout .text-list li { padding: 1.1rem 1.25rem 1.1rem 1.5rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--shadow-sm); }
.callout .text-list li::before { display: none; }
.callout-highlight { background: var(--mint-100); border-radius: var(--r-md); padding: 1.4rem 1.6rem; margin: 1.75rem 0; }
.callout-highlight p { color: var(--ink); margin: 0; }

/* ---------------------------------------------------------------------
   Timeline (how it works, contact): a stepper with a running line
   --------------------------------------------------------------------- */
.timeline { display: flex; flex-direction: column; }
.timeline-step { position: relative; display: grid; grid-template-columns: 3rem 1fr; gap: 1.5rem; padding-bottom: 2.75rem; }
.timeline-step:last-child { padding-bottom: 0; }
.timeline-step::before { content: ""; position: absolute; left: 1.5rem; top: 3rem; bottom: 0.25rem; width: 2px; margin-left: -1px; background: var(--mint-200); }
.timeline-step:last-child::before { display: none; }
.timeline-num {
  position: relative; z-index: 1; display: grid; place-items: center; width: 3rem; height: 3rem; border-radius: 50%;
  background: var(--brand-deep); color: #fff; font: 700 1.2rem/1 var(--font-display); font-variant-numeric: tabular-nums;
  box-shadow: 0 0 0 6px var(--paper);
}
.is-sunken .timeline-num { box-shadow: 0 0 0 6px var(--mint-50); }
.timeline-step h3 { font-size: 1.5rem; margin: 0.35rem 0 0.75rem; }
.timeline-step p { color: var(--ink-muted); max-width: 64ch; }
.timeline-step p strong { color: var(--ink); }
.timeline-step .text-list { margin: 1rem 0; }
.timeline-step .btn { margin-top: 1rem; }

/* ---------------------------------------------------------------------
   CTA banner (drenched emerald) and final CTA (forest)
   --------------------------------------------------------------------- */
.cta-banner {
  position: relative; overflow: hidden; background: var(--brand-deep); border-radius: var(--r-xl); padding: 4rem 3.5rem; color: #fff;
}
.cta-banner::before { background-image: radial-gradient(rgba(255, 255, 255, 0.22) 1.2px, transparent 1.5px); }
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner::after, .final-cta::after, .page-hero::after {
  content: ""; position: absolute; pointer-events: none; width: 20rem; height: 20rem; right: -3.5rem; bottom: -4.5rem;
  background-repeat: no-repeat; background-size: contain; transform: rotate(-9deg);
}
.cta-banner::after { background-image: url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20viewBox%3D%270%200%20500%20500%27%3E%3Cpath%20fill%3D%27%23066a49%27%20d%3D%27M120%200H380A120%20120%200%200%201%20500%20120V380A120%20120%200%200%201%20380%20500H120A120%20120%200%200%201%200%20380V120A120%20120%200%200%201%20120%200Z%27%2F%3E%3Cpath%20fill%3D%27%23ffffff%27%20fill-opacity%3D%27.92%27%20d%3D%27M161.9%2088L316.5%2089C373%2090%20427%20112%20425.8%20175C425%20245%20350%20297%20244%20307L198%20307L165%20418L72%20418L113.7%20265C190%20257%20260%20238%20301%20215L319.6%20232L352.6%20152L249.5%20162L265%20178C222%20208%20165%20226%20124.3%20226Z%27%2F%3E%3C%2Fsvg%3E"); }
.final-cta::after { background-image: url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20viewBox%3D%270%200%20500%20500%27%3E%3Cpath%20fill%3D%27%23103b2d%27%20d%3D%27M120%200H380A120%20120%200%200%201%20500%20120V380A120%20120%200%200%201%20380%20500H120A120%20120%200%200%201%200%20380V120A120%20120%200%200%201%20120%200Z%27%2F%3E%3Cpath%20fill%3D%27%23ffffff%27%20fill-opacity%3D%27.85%27%20d%3D%27M161.9%2088L316.5%2089C373%2090%20427%20112%20425.8%20175C425%20245%20350%20297%20244%20307L198%20307L165%20418L72%20418L113.7%20265C190%20257%20260%20238%20301%20215L319.6%20232L352.6%20152L249.5%20162L265%20178C222%20208%20165%20226%20124.3%20226Z%27%2F%3E%3C%2Fsvg%3E"); bottom: 3rem; right: -2rem; }
.page-hero::after { background-image: url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20viewBox%3D%270%200%20500%20500%27%3E%3Cpath%20fill%3D%27%23c9ead9%27%20d%3D%27M120%200H380A120%20120%200%200%201%20500%20120V380A120%20120%200%200%201%20380%20500H120A120%20120%200%200%201%200%20380V120A120%20120%200%200%201%20120%200Z%27%2F%3E%3Cpath%20fill%3D%27%23ffffff%27%20fill-opacity%3D%271%27%20d%3D%27M161.9%2088L316.5%2089C373%2090%20427%20112%20425.8%20175C425%20245%20350%20297%20244%20307L198%20307L165%20418L72%20418L113.7%20265C190%20257%20260%20238%20301%20215L319.6%20232L352.6%20152L249.5%20162L265%20178C222%20208%20165%20226%20124.3%20226Z%27%2F%3E%3C%2Fsvg%3E"); width: 17rem; height: 17rem; top: 9.5rem; bottom: auto; right: -2rem; }
@media (max-width: 75rem) { .cta-banner::after, .final-cta::after, .page-hero::after { display: none; } }
.cta-banner .kicker { color: #e6fbf0; }
.cta-banner .kicker::before { background: var(--on-dark); }
.cta-banner h2 { color: #fff; font-size: clamp(1.9rem, 1.3rem + 2.3vw, 3rem); margin-bottom: 1.25rem; max-width: 20ch; }
.cta-banner p { color: #f2fbf6; max-width: 60ch; margin-bottom: 1.5rem; font-size: 1.125rem; }
.cta-banner p strong, .cta-banner .fine-print strong { color: #fff; }
.cta-banner .fine-print { margin-top: 1.25rem; margin-bottom: 1rem !important; }
.cta-banner .btn-primary { background: #fff; color: var(--forest); box-shadow: 0 12px 24px -10px rgba(0, 0, 0, 0.4); }
.cta-banner .btn-primary:hover { background: var(--mint-100); }
@media (max-width: 45rem) { .cta-banner { padding: 2.5rem 1.5rem; border-radius: var(--r-lg); } }

.final-cta {
  position: relative; overflow: hidden; background: var(--forest); border-radius: var(--r-xl) var(--r-xl) 0 0; color: #eaf6f0; padding: 6rem 0 3.5rem;
  --ink: #eaf6f0; --ink-muted: #a9c4b8; --ink-faint: #86a396; --line: rgba(234, 246, 240, 0.14); --line-strong: rgba(234, 246, 240, 0.26);
}
.final-cta .kicker { color: var(--on-dark); }
.final-cta .kicker::before { background: var(--on-dark); }
.final-cta .wrap { position: relative; z-index: 1; }
.final-cta-inner { max-width: 60rem; }
.final-cta h2 { color: #fff; font-size: clamp(2rem, 1.3rem + 2.8vw, 3.5rem); margin-bottom: 1.25rem; max-width: 18ch; }
.final-cta p { color: var(--ink-muted); font-size: 1.125rem; max-width: 56ch; }
.final-cta-inner > p { margin-bottom: 2rem; }
.final-cta-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 1.5rem; }
.final-cta .trust-row li { background: rgba(234, 246, 240, 0.07); border-color: rgba(234, 246, 240, 0.16); color: #cfe5da; box-shadow: none; }
.final-cta .trust-row i { color: var(--on-dark); }
.final-cta-phone { font-size: 1rem !important; color: var(--ink-faint) !important; }
.final-cta-phone a { color: var(--on-dark); font-weight: 650; text-decoration: underline; text-underline-offset: 0.2em; }
@media (max-width: 45rem) { .final-cta { border-radius: var(--r-lg) var(--r-lg) 0 0; padding: 4rem 0; } }

/* ---------------------------------------------------------------------
   Interior page hero, breadcrumb
   --------------------------------------------------------------------- */
.page-hero, .apply-hero {
  position: relative; margin-top: calc(var(--nav-clear) * -1); padding: calc(var(--nav-clear) + 3rem) 0 4.5rem;
  background: var(--mint-100); border-radius: 0 0 var(--r-xl) var(--r-xl); overflow: hidden;
}
.page-hero .wrap, .apply-hero .wrap { position: relative; z-index: 1; }
.page-hero .wrap > *, .apply-hero .wrap > * { max-width: 50rem; }
.page-hero h1, .apply-hero h1 { font-size: clamp(2.2rem, 1.4rem + 3.2vw, 3.75rem); letter-spacing: -0.022em; line-height: 1.06; margin-bottom: 1.5rem; max-width: 20ch; }
.page-hero p, .apply-hero p { color: var(--ink-muted); font-size: 1.1875rem; line-height: 1.55; margin-bottom: 1rem; max-width: 60ch; }
.page-hero .fine-print { font-size: 1.0625rem; }
.page-hero .fine-print strong { color: var(--ink); }
.page-hero .btn { margin-top: 1rem; }
.page-hero p a { text-decoration: underline; text-underline-offset: 0.2em; }
.legal-hero h1 { max-width: none; }

.crumbs { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 1.5rem; font-size: 0.9375rem; font-weight: 550; color: var(--ink-muted); }
.crumbs a { text-decoration: underline; text-decoration-color: var(--mint-200); text-underline-offset: 0.25em; text-decoration-thickness: 2px; transition: text-decoration-color 0.2s ease; }
.crumbs a:hover { text-decoration-color: var(--brand-deep); color: var(--ink); }
.crumbs [aria-hidden] { color: var(--brand-deep); }
.crumbs [aria-current] { color: var(--ink); font-weight: 650; }

@media (max-width: 45rem) { .page-hero, .apply-hero { padding-bottom: 3rem; border-radius: 0 0 var(--r-lg) var(--r-lg); } }

/* ---------------------------------------------------------------------
   Notice / legal
   --------------------------------------------------------------------- */
.notice-block { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-md); padding: 1.75rem 2rem; }
.notice-block p { color: var(--ink-muted); font-size: 0.9375rem; margin-bottom: 0.9rem; }
.notice-block p:last-child { margin-bottom: 0; }

.legal-content { padding-top: 4rem; }
.legal-content .wrap { max-width: 52rem; }
.legal-meta { display: inline-block; padding: 0.35rem 0.85rem; background: var(--mint-100); border-radius: var(--r-pill); font-size: 0.875rem; font-weight: 600; color: var(--brand-ink); margin-bottom: 1.25rem; }
.legal-intro { color: var(--ink-muted); margin-bottom: 2rem; max-width: 68ch; }
.legal-intro a, .legal-body a { color: var(--brand-ink); text-decoration: underline; text-underline-offset: 0.2em; }
.legal-toc { background: var(--mint-50); border-radius: var(--r-md); padding: 1.5rem 1.75rem; margin-bottom: 3rem; }
.legal-toc p { font-size: 0.875rem; font-weight: 650; color: var(--ink); margin-bottom: 0.9rem; }
.legal-toc ul { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem 1.5rem; }
.legal-toc a { color: var(--ink-muted); font-size: 0.9875rem; text-decoration: underline; text-decoration-color: var(--mint-200); text-underline-offset: 0.25em; }
.legal-toc a:hover { color: var(--brand-ink); text-decoration-color: currentColor; }
@media (max-width: 38rem) { .legal-toc ul { grid-template-columns: 1fr; } }
.legal-body h2 { font-size: 1.5rem; margin: 3rem 0 1rem; padding-top: 2rem; border-top: 1px solid var(--line); }
.legal-body h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.legal-body p { color: var(--ink-muted); margin-bottom: 1rem; max-width: 68ch; }
.legal-body ul { margin: 1rem 0; }
.legal-body ul li { position: relative; padding-left: 1.4rem; color: var(--ink-muted); margin-bottom: 0.65rem; max-width: 66ch; }
.legal-body ul li::before { content: ""; position: absolute; left: 0.2rem; top: 0.65em; width: 0.45rem; height: 0.45rem; border-radius: 50%; background: var(--brand); }

/* ---------------------------------------------------------------------
   Thank-you, apply, contact
   --------------------------------------------------------------------- */
.thankyou-section { padding: 4rem 0 4.5rem; text-align: center; }
.thankyou-section .wrap { max-width: 38rem; }
.page-hero-icon {
  display: grid !important; place-items: center; width: 5.5rem; height: 5.5rem; margin: 0 auto 1.75rem; border-radius: 50%;
  background: var(--mint-100); color: var(--brand-deep); font-size: 3rem; animation: pop 0.7s var(--ease);
}
.thankyou-section h1 { font-size: clamp(2.2rem, 1.4rem + 3vw, 3.5rem); margin-bottom: 1.25rem; }
.thankyou-section p { color: var(--ink-muted); margin-bottom: 1rem; font-size: 1.125rem; }
.thankyou-actions { margin-top: 2rem; display: flex; flex-direction: column; align-items: center; gap: 1.25rem; }
.thankyou-phone a { font-weight: 600; color: var(--ink-muted); text-decoration: underline; text-underline-offset: 0.25em; }
.thankyou-phone a:hover { color: var(--brand-ink); }
main:has(> .thankyou-section) { min-height: 70vh; }

/* Calendly booking widget under the confirmation: centred heading, white sheet over a mint panel */
.schedule-section .wrap { max-width: 56rem; }
.schedule-section .section-head { margin: 0 auto 2rem; text-align: center; }
.schedule-section .section-head h2 { max-width: none; }
.schedule-section .section-head p { margin-left: auto; margin-right: auto; }
.schedule-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); overflow: hidden; }
@media (max-width: 26rem) { .schedule-section .wrap { padding: 0 0.5rem; } }

.apply-hero .wrap { max-width: 50rem; }
.apply-hero .wrap > * { margin-left: auto; margin-right: auto; }
.apply-hero { text-align: center; padding-bottom: 7rem; }
.apply-hero h1 { max-width: 18ch; }
.apply-hero .crumbs, .apply-hero .trust-row { justify-content: center; }
.apply-section { position: relative; z-index: 2; margin-top: -4.5rem; padding-top: 0; }
.apply-section .wrap { max-width: 40rem; }

/* ---------------------------------------------------------------------
   Footer
   --------------------------------------------------------------------- */
.site-footer {
  background: var(--forest); color: #eaf6f0; padding: 4.5rem 0 2rem; border-top: 1px solid rgba(234, 246, 240, 0.1);
  --ink: #eaf6f0; --ink-muted: #a9c4b8; --ink-faint: #86a396; --line: rgba(234, 246, 240, 0.14); --line-strong: rgba(234, 246, 240, 0.26);
}
main:has(> .final-cta:last-child) + .site-footer { border-top-color: transparent; padding-top: 2.5rem; }
.page-hero + .is-sunken { margin-top: 2rem; }
.footer-grid { display: grid; grid-template-columns: auto 1fr; gap: 1.75rem 3rem; align-items: center; }
.footer-brand { grid-column: 1; grid-row: 1; }
.footer-brand .brand-text span { color: #fff; }
.footer-brand .brand-text strong { color: var(--on-dark); }
.footer-links { grid-column: 2; grid-row: 1; display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 0.5rem 1.75rem; font-size: 0.9875rem; font-weight: 550; }
.footer-links a { color: #cfe5da; transition: color 0.2s ease; }
.footer-links a:hover { color: var(--on-dark); }
.footer-hours { grid-column: 1 / -1; grid-row: 2; display: flex; flex-wrap: wrap; gap: 0.3rem 2rem; font-size: 0.9375rem; color: var(--ink-faint); font-variant-numeric: tabular-nums; }
.footer-disclosure { grid-column: 1 / -1; padding-top: 1.75rem; border-top: 1px solid var(--line); margin-top: 0.5rem; }
.footer-disclosure p { color: var(--ink-faint); font-size: 0.8125rem; line-height: 1.75; max-width: 100%; }
.footer-bottom {
  grid-column: 1 / -1; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 1rem;
  padding-top: 1.5rem; border-top: 1px solid var(--line); font-size: 0.875rem; color: var(--ink-faint);
}
.footer-contact { display: flex; gap: 0.75rem 1.5rem; flex-wrap: wrap; }
.footer-contact a { display: flex; align-items: center; gap: 0.5rem; color: #cfe5da; font-size: 0.9375rem; font-weight: 550; }
.footer-contact a:hover { color: var(--on-dark); }
.footer-contact i { color: var(--on-dark); }

@media (max-width: 45rem) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-links { grid-column: 1; grid-row: auto; justify-content: flex-start; gap: 0.5rem 1.5rem; }
  .footer-hours { grid-row: auto; flex-direction: column; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}