/* ─── TOKENS ─────────────────────────────────────────────────────── */
:root {
  --earth:      #2C1A0E;
  --earth-mid:  #3D2614;
  --terra:      #C45C2A;
  --terra-lt:   #D97043;
  --linen:      #F7F2EB;
  --linen-mid:  #EDE5D8;
  --muted:      #7A6A58;
  --rule:       rgba(44,26,14,.1);

  --ff-serif: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
  --ff-sans:  'Inter', system-ui, sans-serif;
  --max: 1200px;
  --pad: clamp(1.25rem, 5vw, 3rem);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body { background: var(--linen); color: var(--earth); font-family: var(--ff-sans); font-size: 1rem; line-height: 1.6; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }

/* BAR */
.bar { background: var(--earth); color: rgba(255,255,255,.5); font-size: .8125rem; letter-spacing: .03em; padding: .55rem var(--pad); }
.bar__inner { max-width: var(--max); margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: .6rem; }
.bar__dot { width: 6px; height: 6px; border-radius: 50%; background: var(--terra-lt); flex-shrink: 0; }
.bar strong { color: #fff; }

/* NAV */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(247,242,235,.97); backdrop-filter: blur(14px); border-bottom: 1px solid var(--rule); }
.nav__inner { max-width: var(--max); margin: 0 auto; padding: .9rem var(--pad); display: flex; align-items: center; justify-content: space-between; }
.nav__mark { display: flex; align-items: center; gap: .55rem; font-family: var(--ff-serif); font-weight: 700; font-size: 1rem; color: var(--earth); }
.nav__logo-icon { flex-shrink: 0; color: var(--terra); }
.nav__cta { background: var(--terra); color: #fff; padding: .5rem 1.1rem; border-radius: 6px; font-size: .875rem; font-weight: 600; display: flex; align-items: center; gap: .4rem; transition: background .2s; }
.nav__cta:hover { background: var(--terra-lt); }

/* BUTTONS */
.btn-primary { display: inline-flex; align-items: center; gap: .45rem; background: var(--terra); color: #fff; padding: .85rem 1.85rem; border-radius: 8px; font-weight: 600; font-size: .9375rem; transition: background .2s, transform .15s; }
.btn-primary:hover { background: var(--terra-lt); transform: translateY(-1px); }
.btn-primary--lg { padding: .9rem 2rem; font-size: 1rem; }
.btn-ghost { display: inline-flex; align-items: center; color: var(--muted); font-size: .9375rem; font-weight: 500; border: 1.5px solid var(--rule); border-radius: 8px; padding: .83rem 1.5rem; transition: color .2s, border-color .2s; }
.btn-ghost:hover { color: var(--earth); border-color: rgba(44,26,14,.35); }

/* HERO — light linen, bold typographic with large loan type tabs */
.hero { background: var(--linen); padding: clamp(5rem, 10vw, 9rem) var(--pad) 0; border-bottom: none; }
.hero__inner { max-width: var(--max); margin: 0 auto; }
.hero__kicker { font-size: .75rem; letter-spacing: .16em; text-transform: uppercase; color: var(--terra); margin-bottom: 1.5rem; display: flex; align-items: center; gap: .6rem; }
.hero__kicker-rule { flex: 1; max-width: 48px; height: 1.5px; background: var(--terra); }
.hero__hed { font-family: var(--ff-serif); font-size: clamp(2.8rem, 6vw, 5.5rem); font-weight: 700; line-height: 1.05; max-width: 820px; margin-bottom: 1.5rem; color: var(--earth); }
.hero__hed em { font-style: italic; color: var(--terra); }
.hero__sub { font-size: 1.0625rem; color: var(--muted); line-height: 1.7; max-width: 560px; margin-bottom: 2.5rem; }
.hero__sub strong { color: var(--earth); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 4rem; }

/* LOAN TABS — horizontal pill row */
.hero__tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--rule); border-top: 1px solid var(--rule); }
.hero__tab { background: var(--linen); padding: 1.5rem 1.25rem; display: flex; flex-direction: column; gap: .35rem; }
.hero__tab--active { background: var(--earth); }
.hero__tab-label { font-size: .65rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.hero__tab--active .hero__tab-label { color: rgba(255,255,255,.65); }
.hero__tab-name { font-family: var(--ff-serif); font-size: 1rem; font-weight: 700; color: var(--earth); }
.hero__tab--active .hero__tab-name { color: #fff; }
.hero__tab-range { font-size: .8125rem; color: var(--terra); font-weight: 600; }
.hero__tab--active .hero__tab-range { color: var(--terra-lt); }

/* EXAMPLE BAR */
.example-bar { background: var(--linen-mid); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); padding: 1rem var(--pad); }
.example-bar__label { max-width: var(--max); margin: 0 auto; font-size: .8125rem; color: var(--muted); display: flex; align-items: center; gap: .5rem; }
.example-bar__dot { width: 6px; height: 6px; border-radius: 50%; background: var(--terra); flex-shrink: 0; }

/* PLANS — 3-col comparison on dark */
.plans { background: var(--earth); padding: clamp(5rem, 9vw, 8rem) var(--pad); }
.plans__inner { max-width: var(--max); margin: 0 auto; }
.plans__overline { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--terra-lt); margin-bottom: .75rem; }
.plans__title { font-family: var(--ff-serif); font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.2; max-width: 640px; margin-bottom: 3.5rem; color: #fff; }
.plans__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.08); border-radius: 12px; overflow: hidden; }
.plan-card { background: var(--earth-mid); padding: 2.25rem 2rem; display: flex; flex-direction: column; gap: .75rem; }
.plan-card--highlight { background: var(--terra); }
.plan-card__type { font-size: .65rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.4); }
.plan-card--highlight .plan-card__type { color: rgba(255,255,255,.6); }
.plan-card__name { font-family: var(--ff-serif); font-size: 1.25rem; font-weight: 700; color: #fff; line-height: 1.2; }
.plan-card__range { font-size: 1.5rem; font-weight: 700; color: var(--terra-lt); font-family: var(--ff-serif); line-height: 1; }
.plan-card--highlight .plan-card__range { color: rgba(255,255,255,.9); }
.plan-card__divider { height: 1px; background: rgba(255,255,255,.1); margin: .25rem 0; }
.plan-card__body { font-size: .875rem; color: rgba(255,255,255,.65); line-height: 1.7; flex: 1; }
.plan-card--highlight .plan-card__body { color: rgba(255,255,255,.75); }
.plan-card__meta { font-size: .75rem; color: rgba(255,255,255,.3); }
.plan-card--highlight .plan-card__meta { color: rgba(255,255,255,.5); }

/* PROCESS — horizontal 4-step on linen */
.process { padding: clamp(5rem, 9vw, 8rem) var(--pad); border-bottom: 1px solid var(--rule); }
.process__inner { max-width: var(--max); margin: 0 auto; }
.process__overline { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--terra); margin-bottom: .75rem; }
.process__title { font-family: var(--ff-serif); font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.2; max-width: 640px; margin-bottom: 3.5rem; }
.process__steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 2px solid var(--earth); }
.process__step { padding: 2rem 1.5rem 0 0; }
.process__step + .process__step { border-left: 1px solid var(--rule); padding-left: 1.5rem; }
.process__step-num { font-family: var(--ff-serif); font-size: 3rem; font-weight: 700; color: var(--terra); opacity: .2; line-height: 1; margin-bottom: .75rem; }
.process__step-hed { font-family: var(--ff-serif); font-size: 1rem; font-weight: 700; margin-bottom: .4rem; color: var(--earth); }
.process__step-text { font-size: .875rem; color: var(--muted); line-height: 1.7; }

/* WHO */
.who { padding: clamp(5rem, 9vw, 8rem) var(--pad); background: var(--linen-mid); }
.who__inner { max-width: var(--max); margin: 0 auto; }
.who__overline { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--terra); margin-bottom: .75rem; }
.who__title { font-family: var(--ff-serif); font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.2; max-width: 720px; margin-bottom: 3.5rem; }
.who__cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--rule); }
.who__col { padding: 2rem 2rem 0 0; border-right: 1px solid var(--rule); }
.who__col:last-child { border-right: none; padding-right: 0; }
.who__col + .who__col { padding-left: 2rem; }
.who__col-hed { font-family: var(--ff-serif); font-size: 1.1rem; font-weight: 700; margin-bottom: .65rem; color: var(--earth); }
.who__col-body { font-size: .9rem; color: var(--muted); line-height: 1.75; }

/* ACQUIRE */
.acquire { padding: clamp(5rem, 9vw, 8rem) var(--pad); border-top: 1px solid var(--rule); }
.acquire__inner { max-width: 680px; margin: 0 auto; }
.acquire__eyebrow { display: flex; align-items: center; gap: .5rem; font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 1rem; }
.acquire__eyebrow-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--terra); flex-shrink: 0; }
.acquire__title { font-family: var(--ff-serif); font-size: clamp(1.75rem, 4vw, 2.75rem); font-weight: 700; line-height: 1.15; margin-bottom: 1rem; color: var(--earth); }
.acquire__title em { font-style: italic; color: var(--terra); }
.acquire__lede { font-size: 1rem; color: var(--muted); line-height: 1.7; margin-bottom: 2.5rem; }
.acquire-form { display: flex; flex-direction: column; gap: 1.25rem; }
.acquire-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field__label { font-size: .8125rem; font-weight: 500; color: var(--earth); }
.field input, .field textarea { border: 1.5px solid var(--rule); border-radius: 6px; padding: .75rem 1rem; font-family: var(--ff-sans); font-size: .9375rem; background: var(--linen); color: var(--earth); transition: border-color .2s; width: 100%; }
.field input::placeholder, .field textarea::placeholder { color: rgba(44,26,14,.28); }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--terra); }
.field textarea { resize: vertical; min-height: 100px; }
.acquire-form__actions { display: flex; align-items: center; flex-wrap: wrap; gap: 1.25rem; margin-top: .5rem; }
.acquire-form__alt { font-size: .875rem; color: var(--muted); }
.acquire-form__alt a { color: var(--terra); border-bottom: 1px solid transparent; transition: border-color .2s; }
.acquire-form__alt a:hover { border-color: var(--terra); }

/* FOOTER */
.foot { background: var(--earth); color: rgba(255,255,255,.65); padding: 2rem var(--pad); }
.foot__inner { max-width: var(--max); margin: 0 auto; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .75rem; }
.foot__mark { display: flex; align-items: center; gap: .5rem; font-weight: 600; font-size: .875rem; color: rgba(255,255,255,.7); }
.foot__small { font-size: .8rem; }
.foot__small a { color: rgba(255,255,255,.5); }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero__tabs { grid-template-columns: repeat(2, 1fr); }
  .plans__grid { grid-template-columns: 1fr; }
  .process__steps { grid-template-columns: 1fr 1fr; }
  .process__step:nth-child(odd) { border-left: none; padding-left: 0; }
  .process__step:nth-child(n+3) { border-top: 1px solid var(--rule); padding-top: 2rem; margin-top: 2rem; }
  .who__cols { grid-template-columns: 1fr; }
  .who__col { border-right: none; border-bottom: 1px solid var(--rule); padding: 2rem 0; }
  .who__col + .who__col { padding-left: 0; }
  .who__col:last-child { border-bottom: none; }
}
@media (max-width: 600px) {
  .hero__tabs { grid-template-columns: 1fr 1fr; }
  .process__steps { grid-template-columns: 1fr; }
  .process__step { border-left: none !important; padding-left: 0 !important; }
  .acquire-form__row { grid-template-columns: 1fr; }
}

/* ─── FAQ ──────────────────────────────────────────────────────── */
.faq { padding: clamp(4rem, 7vw, 6rem) var(--pad); border-bottom: 1px solid var(--rule); }
.faq__inner { max-width: var(--max); margin: 0 auto; }
.faq__title { font-family: var(--ff-serif); font-size: clamp(1.4rem, 2.5vw, 2rem); font-weight: 700; margin-bottom: 2.5rem; color: var(--soil); }
.faq__list { display: flex; flex-direction: column; gap: 0; border-top: 1px solid var(--rule); }
.faq__item { padding: 1.5rem 0; border-bottom: 1px solid var(--rule); }
.faq__q { font-family: var(--ff-serif); font-size: 1.05rem; font-weight: 700; color: var(--soil); margin-bottom: .5rem; }
.faq__a { font-size: .9rem; line-height: 1.75; color: var(--muted); }

/* --- Mobile overflow hardening --- */
html,
body {
  max-width: 100%;
  overflow-x: clip;
}

body {
  overscroll-behavior-x: none;
}

img,
svg,
video,
canvas {
  max-width: 100%;
  height: auto;
}

main,
section,
header,
footer,
nav,
form,
fieldset,
[class*="__inner"],
[class*="__grid"],
[class*="__row"],
[class*="__cols"],
[class*="__card"],
[class*="__item"] {
  min-width: 0;
}

input,
textarea,
select,
button {
  max-width: 100%;
  min-width: 0;
}

p,
h1,
h2,
h3,
h4,
h5,
h6,
a,
li,
span {
  overflow-wrap: anywhere;
}

@media (max-width: 480px) {
  .btn,
  .btn-primary,
  .btn-ghost,
  [class*="btn"],
  [class*="button"] {
    max-width: 100%;
    white-space: normal;
  }
}

/* --- Hero image layer --- */
.hero {
  position: relative;
  isolation: isolate;
}

.hero__image {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: .28;
  filter: saturate(.95) contrast(1.04);
}

.hero__image::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(0,0,0,.62), rgba(0,0,0,.22) 48%, rgba(0,0,0,.5)),
    linear-gradient(180deg, rgba(0,0,0,.3), rgba(0,0,0,.58));
}

.hero > :not(.hero__image) {
  position: relative;
  z-index: 1;
}

/* Skip navigation */
.skip-link { position: absolute; top: -100%; left: 1rem; background: #000; color: #fff; padding: .5rem 1rem; z-index: 9999; font-size: .875rem; font-weight: 600; border-radius: 0 0 4px 4px; text-decoration: none; }
.skip-link:focus { top: 0; }