/* =========================================================
   QuickDraw Lending: homepage
   ========================================================= */

@font-face {
  font-family: "Geist";
  src: url("/assets/fonts/geist.woff2") format("woff2");
  font-weight: 300 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Geist Mono";
  src: url("/assets/fonts/geist-mono.woff2") format("woff2");
  font-weight: 400 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Instrument Serif";
  src: url("/assets/fonts/instrument-serif.woff2") format("woff2");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Instrument Serif";
  src: url("/assets/fonts/instrument-serif-italic.woff2") format("woff2");
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}

:root {
  /* Palette: deep "ledger" green + the logo's signal green on warm paper */
  --ink: #0b1712;
  --forest: #0f2219;
  --forest-2: #143024;
  --forest-line: rgba(232, 240, 233, 0.12);
  --paper: #f5f2ea;
  --paper-2: #ece7da;
  --paper-3: #e3ddcd;
  --line: rgba(11, 23, 18, 0.12);
  --line-strong: rgba(11, 23, 18, 0.22);
  --text: #0b1712;
  --muted: #56615b;
  --muted-light: rgba(236, 242, 237, 0.66);
  --cream: #f3f0e7;
  --green: #2dc35c;          /* logo green */
  --green-bright: #43d872;
  --green-deep: #17793a;     /* AA on paper */
  --green-glow: rgba(45, 195, 92, 0.22);

  --font-sans: "Geist", ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-serif: "Instrument Serif", ui-serif, Georgia, serif;
  --font-mono: "Geist Mono", ui-monospace, "SF Mono", Menlo, monospace;

  --wrap: 1280px;
  --gutter: clamp(20px, 4.2vw, 56px);
  --section: clamp(56px, 6.5vw, 96px);
  --radius: 22px;
  --radius-sm: 14px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --header-h: 76px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
h1, h2, h3, h4, p, figure, blockquote, dl, dd, ol, ul { margin: 0; }
ol, ul { padding: 0; list-style: none; }
::selection { background: var(--green); color: var(--ink); }
:focus-visible { outline: 2px solid var(--green); outline-offset: 3px; border-radius: 6px; }

.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip {
  position: fixed; left: 16px; top: -60px; z-index: 100;
  background: var(--green); color: var(--ink); padding: 10px 16px; border-radius: 10px; font-weight: 600;
  transition: top .2s;
}
.skip:focus { top: 16px; }

.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }

/* ---------- Type ---------- */
.serif {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -0.01em;
  font-size: 1.08em;
  line-height: 0.9;
}
.mono {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 450;
}
h2 {
  font-size: clamp(2.35rem, 4.6vw, 4.1rem);
  line-height: 1.02;
  letter-spacing: -0.038em;
  font-weight: 500;
  text-wrap: balance;
}
h3 { font-weight: 550; letter-spacing: -0.02em; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 22px;
}
.eyebrow .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--green);
}
.eyebrow-light { color: var(--muted-light); }

/* ---------- Buttons ---------- */
.btn {
  --h: 48px;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  height: var(--h);
  padding: 0 22px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 550;
  letter-spacing: -0.005em;
  white-space: nowrap;
  transition: background-color .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease), transform .3s var(--ease), box-shadow .3s var(--ease);
  position: relative;
  isolation: isolate;
}
.btn-sm { --h: 40px; padding: 0 18px; font-size: 14px; }
.btn-lg { --h: 56px; padding: 0 28px; font-size: 16px; }
.btn-block { width: 100%; }
.btn .arrow { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .35s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }
.btn:active { transform: translateY(1px) scale(.99); }

.btn-primary { background: var(--green); color: var(--ink); box-shadow: 0 1px 0 rgba(255,255,255,.35) inset, 0 10px 30px -12px rgba(45,195,92,.65); }
.btn-primary:hover { background: var(--green-bright); box-shadow: 0 1px 0 rgba(255,255,255,.35) inset, 0 16px 38px -12px rgba(45,195,92,.8); }
.btn-ghost-light { color: var(--cream); border: 1px solid rgba(243,240,231,.24); }
.btn-ghost-light:hover { border-color: rgba(243,240,231,.6); background: rgba(243,240,231,.06); }
.btn-ghost { color: var(--text); border: 1px solid var(--line-strong); }
.btn-ghost:hover { border-color: var(--text); }
.btn-dark { background: var(--ink); color: var(--cream); }
.btn-dark:hover { background: var(--forest-2); }

.link-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 550; font-size: 15px;
  padding-bottom: 3px;
  background: linear-gradient(currentColor, currentColor) 0 100% / 100% 1px no-repeat;
  transition: background-size .4s var(--ease);
}
.link-arrow svg { width: 17px; height: 17px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .35s var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }
.link-arrow:hover { background-size: 0 1px; background-position: 100% 100%; }

/* ---------- Reveal ---------- */
.reveal {
  opacity: 0;
  transform: translate3d(0, 22px, 0);
  transition: opacity .9s var(--ease) var(--d, 0ms), transform 1.1s var(--ease) var(--d, 0ms);
}
.reveal.is-in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

/* =========================================================
   HEADER
   ========================================================= */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 50;
  color: var(--cream);
  transition: color .4s var(--ease), transform .5s var(--ease);
}
.site-header::before {
  content: ""; position: absolute; inset: 0;
  background: rgba(245, 242, 234, 0.82);
  backdrop-filter: saturate(1.4) blur(18px);
  -webkit-backdrop-filter: saturate(1.4) blur(18px);
  border-bottom: 1px solid var(--line);
  opacity: 0;
  transition: opacity .4s var(--ease);
}
.site-header.is-scrolled { color: var(--text); }
.site-header.is-scrolled::before { opacity: 1; }
.site-header.is-hidden { transform: translateY(-100%); }

.header-inner {
  position: relative;
  height: var(--header-h);
  display: flex; align-items: center; gap: 32px;
}
.brand { position: relative; display: block; width: 152px; flex: none; }
.brand img { width: 100%; height: auto; transition: opacity .4s var(--ease); }
.brand-dark { position: absolute; inset: 0; opacity: 0; }
.is-scrolled .brand-light { opacity: 0; }
.is-scrolled .brand-dark { opacity: 1; }

.primary-nav { margin-inline: auto; }
.primary-nav ul { display: flex; gap: 4px; }
.primary-nav a {
  display: block; padding: 8px 14px; border-radius: 999px;
  font-size: 14.5px; font-weight: 450;
  opacity: .82;
  transition: opacity .25s, background-color .25s;
}
.primary-nav a:hover { opacity: 1; background: color-mix(in srgb, currentColor 8%, transparent); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 500; opacity: .9; }
.header-phone svg { width: 15px; height: 15px; fill: currentColor; }
.header-phone:hover { opacity: 1; }

.menu-toggle { display: none; width: 44px; height: 44px; border-radius: 50%; border: 1px solid color-mix(in srgb, currentColor 22%, transparent); place-items: center; }
.menu-bars { position: relative; width: 18px; height: 10px; display: block; }
.menu-bars i { position: absolute; left: 0; width: 100%; height: 1.6px; background: currentColor; border-radius: 2px; transition: transform .4s var(--ease), top .4s var(--ease); }
.menu-bars i:first-child { top: 0; }
.menu-bars i:last-child { top: 8.4px; }
.menu-open .menu-bars i:first-child { top: 4.2px; transform: rotate(45deg); }
.menu-open .menu-bars i:last-child { top: 4.2px; transform: rotate(-45deg); }

.mobile-menu {
  position: fixed; inset: 0; z-index: -1;
  background: var(--ink);
  color: var(--cream);
  padding: calc(var(--header-h) + 24px) var(--gutter) calc(28px + env(safe-area-inset-bottom));
  display: flex; flex-direction: column; justify-content: space-between;
  opacity: 0; visibility: hidden;
  transition: opacity .45s var(--ease), visibility .45s;
}
.mobile-menu[hidden] { display: flex; }
.menu-open .mobile-menu { opacity: 1; visibility: visible; }
.mobile-menu li { border-bottom: 1px solid var(--forest-line); overflow: hidden; }
.mobile-menu nav a {
  display: flex; align-items: baseline; gap: 16px;
  padding: 16px 0;
  font-size: clamp(28px, 8vw, 40px); font-weight: 500; letter-spacing: -0.03em;
  transform: translateY(100%);
  transition: transform .6s var(--ease);
}
.mobile-menu nav a span { font-family: var(--font-mono); font-size: 12px; letter-spacing: .1em; color: var(--green); }
.menu-open .mobile-menu nav a { transform: none; }
.menu-open .mobile-menu li:nth-child(2) a { transition-delay: .04s; }
.menu-open .mobile-menu li:nth-child(3) a { transition-delay: .08s; }
.menu-open .mobile-menu li:nth-child(4) a { transition-delay: .12s; }
.menu-open .mobile-menu li:nth-child(5) a { transition-delay: .16s; }
.mobile-menu-foot { display: grid; gap: 10px; }
.mobile-menu-foot p { margin-top: 10px; font-size: 14px; color: var(--muted-light); text-align: center; }
.site-header.menu-open { color: var(--cream); }
.site-header.menu-open::before { opacity: 0; }
.site-header.menu-open .brand-light { opacity: 1; }
.site-header.menu-open .brand-dark { opacity: 0; }

/* =========================================================
   HERO
   ========================================================= */
.hero {
  position: relative;
  background:
    radial-gradient(80% 60% at 85% 10%, rgba(45,195,92,.13), transparent 60%),
    radial-gradient(60% 50% at 0% 100%, rgba(45,195,92,.07), transparent 60%),
    linear-gradient(180deg, var(--ink) 0%, var(--forest) 100%);
  color: var(--cream);
  display: flex; flex-direction: column;
  min-height: 100vh;
  min-height: 100svh;
  overflow: clip;
}
.hero-grain {
  position: absolute; inset: 0; pointer-events: none; opacity: .5; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 .09 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.hero::after {
  /* faint architectural grid */
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(to right, rgba(243,240,231,.045) 1px, transparent 1px);
  background-size: calc((min(100vw, var(--wrap) + var(--gutter) * 2) - var(--gutter) * 2) / 6) 100%;
  background-position: center;
  mask-image: linear-gradient(180deg, transparent, #000 20%, #000 70%, transparent);
}
.hero-grid {
  position: relative; z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr);
  gap: clamp(40px, 5vw, 80px);
  align-items: center;
  flex: 1;
  padding-top: calc(var(--header-h) + clamp(12px, 3.5vh, 48px));
  padding-bottom: clamp(24px, 5vh, 56px);
}
.hero-title {
  font-size: clamp(2.6rem, min(6.2vw, 10vh), 6rem);
  line-height: .96;
  letter-spacing: -0.045em;
  font-weight: 500;
  text-wrap: balance;
  margin-bottom: clamp(16px, 3vh, 28px);
}
.hero-title .serif { color: var(--green-bright); padding-right: .04em; }
.draw-under { position: relative; display: inline-block; }
.draw-under::after {
  content: ""; position: absolute; left: 2%; right: 4%; bottom: -.04em; height: .06em; min-height: 3px;
  background: var(--green);
  border-radius: 4px;
  transform: scaleX(0); transform-origin: left;
  transition: transform 1.1s var(--ease) .9s;
}
.is-in .draw-under::after { transform: scaleX(1); }

.hero-lede {
  max-width: 34em;
  font-size: clamp(16px, min(1.35vw, 2.2vh), 19.5px);
  line-height: 1.6;
  color: var(--muted-light);
  margin-bottom: clamp(20px, 4vh, 36px);
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: clamp(20px, 4vh, 44px); }
.hero-proof {
  display: flex; flex-wrap: wrap; gap: 10px 28px;
  padding-top: clamp(16px, 3vh, 26px);
  border-top: 1px solid var(--forest-line);
  font-size: 14.5px; color: var(--muted-light);
}
.hero-proof li { display: inline-flex; align-items: center; gap: 8px; }
.hero-proof li + li::before { content: ""; width: 4px; height: 4px; border-radius: 50%; background: rgba(243,240,231,.3); margin-right: 20px; margin-left: -8px; }
.hero-proof strong { color: var(--cream); font-weight: 550; }
.star { color: var(--green); font-size: 15px; }

/* Visual */
.hero-visual { position: relative; padding: 0 0 clamp(28px, 6vh, 56px) 40px; }
.hero-photo {
  position: relative;
  height: clamp(280px, 58vh, 640px);
  border-radius: 28px 28px 28px 120px;
  overflow: hidden;
  box-shadow: 0 50px 100px -40px rgba(0,0,0,.6);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 38% 50%; transform: scale(1.06); transition: transform 2.4s var(--ease); }
.hero-visual.is-in .hero-photo img { transform: scale(1); }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(11,23,18,0) 50%, rgba(11,23,18,.45)); }

.deal-card {
  position: absolute; left: 0; bottom: 0;
  width: min(340px, 86%);
  padding: 18px 18px 16px;
  border-radius: 20px;
  background: rgba(11, 23, 18, 0.72);
  border: 1px solid rgba(243,240,231,.14);
  backdrop-filter: blur(20px) saturate(1.3);
  -webkit-backdrop-filter: blur(20px) saturate(1.3);
  box-shadow: 0 30px 60px -20px rgba(0,0,0,.55);
}
.deal-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.deal-head .mono { font-size: 10.5px; color: var(--muted-light); }
.deal-pill {
  font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .08em; text-transform: uppercase;
  padding: 4px 9px; border-radius: 999px;
  background: rgba(243,240,231,.08); color: var(--muted-light);
  transition: background-color .4s, color .4s;
}
.deal-pill.is-funded { background: var(--green); color: var(--ink); }
.deal-body { display: grid; grid-template-columns: 104px 1fr; gap: 16px; align-items: center; }
.dial { position: relative; width: 104px; height: 104px; }
.dial svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.dial-ticks line { stroke: rgba(243,240,231,.22); stroke-width: 1; }
.dial-ticks line.major { stroke: rgba(243,240,231,.45); }
.dial-track { fill: none; stroke: rgba(243,240,231,.08); stroke-width: 5; }
.dial-arc { fill: none; stroke: var(--green); stroke-width: 5; stroke-linecap: round; stroke-dasharray: 100; stroke-dashoffset: 100; transition: stroke-dashoffset 3.6s cubic-bezier(.45,.05,.2,1); filter: drop-shadow(0 0 6px rgba(45,195,92,.55)); }
.dial.is-running .dial-arc { stroke-dashoffset: 0; }
.dial-label { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; line-height: 1; }
.dial-num { font-size: 30px; font-weight: 600; letter-spacing: -0.04em; font-variant-numeric: tabular-nums; }
.dial-label .mono { font-size: 9.5px; color: var(--muted-light); margin-top: 4px; }
.deal-steps { display: grid; gap: 9px; }
.deal-steps li { display: flex; align-items: center; gap: 10px; font-size: 13.5px; color: rgba(243,240,231,.42); transition: color .4s; }
.deal-steps i {
  flex: none; width: 16px; height: 16px; border-radius: 50%;
  border: 1.5px solid rgba(243,240,231,.25);
  position: relative;
  transition: border-color .4s, background-color .4s;
}
.deal-steps i::after {
  content: ""; position: absolute; left: 4.5px; top: 2px; width: 4px; height: 7px;
  border: solid var(--ink); border-width: 0 1.6px 1.6px 0; transform: rotate(45deg) scale(0); transition: transform .35s var(--ease) .1s;
}
.deal-steps li.is-done { color: var(--cream); }
.deal-steps li.is-done i { border-color: var(--green); background: var(--green); }
.deal-steps li.is-done i::after { transform: rotate(45deg) scale(1); }
.deal-foot { margin-top: 14px; padding-top: 12px; border-top: 1px solid rgba(243,240,231,.1); font-size: 12px; line-height: 1.45; color: var(--muted-light); }

.hero-chip {
  position: absolute; top: 28px; right: -14px;
  display: flex; align-items: center; gap: 12px;
  padding: 12px 16px 12px 12px;
  border-radius: 16px;
  background: var(--paper);
  color: var(--ink);
  box-shadow: 0 24px 50px -20px rgba(0,0,0,.5);
  font-size: 12.5px; font-weight: 600; line-height: 1.2; letter-spacing: -0.01em;
  animation: float 7s ease-in-out infinite;
}
.hero-chip img { width: 34px; height: auto; }
@keyframes float { 50% { transform: translateY(-8px); } }

/* Ticker */
.ticker {
  position: relative; z-index: 1;
  border-top: 1px solid var(--forest-line);
  overflow: hidden;
  padding: 16px 0;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.ticker-track {
  display: flex; align-items: center; gap: 28px;
  width: max-content;
  animation: ticker 48s linear infinite;
  font-size: 15px; color: var(--muted-light); white-space: nowrap;
}
.ticker-track b { flex: none; width: 5px; height: 5px; border-radius: 50%; background: var(--green); }
@keyframes ticker { to { transform: translateX(-50%); } }

/* =========================================================
   SECTIONS
   ========================================================= */
.section { position: relative; padding-block: var(--section); }
.section-head { margin-bottom: clamp(32px, 3.5vw, 48px); }
.section-head.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: end; }
.section-head.split > .link-arrow { justify-self: end; }
.section-head.center { text-align: center; display: grid; justify-items: center; }
.section-head.center h2 { max-width: 15em; }
.section-intro { color: var(--muted); font-size: 17.5px; max-width: 30em; justify-self: end; }

/* ---------- Manifesto ---------- */
.manifesto-statement {
  font-size: clamp(1.9rem, 3.7vw, 3.35rem);
  line-height: 1.12;
  letter-spacing: -0.033em;
  font-weight: 450;
  max-width: 21em;
  text-wrap: pretty;
  margin-bottom: clamp(40px, 5vw, 72px);
}
.manifesto-statement .serif { color: var(--green-deep); }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line-strong); }
.pillar { padding: 26px 36px 0 0; display: flex; flex-direction: column; }
.pillar + .pillar { padding-left: 36px; border-left: 1px solid var(--line); }
.pillar-num { color: var(--muted); margin-bottom: 20px; }
.pillar h3 { font-size: 28px; margin-bottom: 12px; }
.pillar p { color: var(--muted); max-width: 26em; margin-bottom: 24px; }
.pillar-meta { margin-top: auto; display: flex; align-items: baseline; gap: 12px; padding-top: 20px; border-top: 1px dashed var(--line-strong); }
.pillar-meta .big { font-size: 40px; font-weight: 500; letter-spacing: -0.04em; line-height: 1; }
.pillar-meta .big small { font-size: .5em; color: var(--green-deep); vertical-align: .55em; margin-left: 2px; }
.pillar-meta .mono { color: var(--muted); font-size: 11px; }

/* ---------- Solutions ---------- */
.solutions { background: var(--paper-2); }
.programs { display: grid; gap: clamp(20px, 2.5vw, 32px); }
.program-list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.program-tab {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 18px;
  text-align: left;
  padding: 18px 22px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
  transition: background-color .35s var(--ease), border-color .35s var(--ease);
  position: relative;
}
.program-tab .mono { color: var(--muted); transition: color .3s; }
.program-tab strong { display: block; font-size: 20px; font-weight: 550; letter-spacing: -0.02em; }
.program-tab small { display: block; color: var(--muted); font-size: 14.5px; margin-top: 2px; }
.program-tab .arrow { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; opacity: 0; transform: translateX(-8px); transition: opacity .35s, transform .35s var(--ease); }
.program-tab:hover { background: rgba(255,255,255,.4); }
.program-tab.is-active { background: var(--paper); border-color: var(--line); box-shadow: 0 20px 40px -28px rgba(11,23,18,.35); }
.program-tab.is-active .mono { color: var(--green-deep); }
.program-tab.is-active .arrow { opacity: 1; transform: none; }
.program-tab::before {
  content: ""; position: absolute; left: 22px; right: 22px; top: -1px; height: 3px; border-radius: 0 0 3px 3px;
  background: var(--green); transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.program-tab.is-active::before { transform: scaleX(1); }

.program-panels { position: relative; }
.program-panel { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(28px, 4.5vw, 72px); align-items: center; }
.program-panel[hidden] { display: none; }
.program-panel.is-active { animation: panelIn .7s var(--ease) both; }
@keyframes panelIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.program-media { position: relative; aspect-ratio: 16 / 10; border-radius: var(--radius); overflow: hidden; background: var(--paper-3); }
.program-media img { width: 100%; height: 100%; object-fit: cover; }
.program-media figcaption {
  position: absolute; left: 16px; bottom: 16px;
  padding: 7px 12px; border-radius: 999px;
  background: rgba(245,242,234,.9); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  font-size: 10.5px; color: var(--ink);
}
.program-copy h3 { font-size: clamp(26px, 2.6vw, 34px); letter-spacing: -0.03em; margin-bottom: 10px; }
.program-copy > p { color: var(--muted); max-width: 34em; margin-bottom: 24px; }
.specs { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line-strong); margin-bottom: 24px; }
.specs > div { padding: 18px 20px 0 0; }
.specs > div + div { padding-left: 24px; border-left: 1px solid var(--line); }
.specs dt { color: var(--muted); font-size: 11px; margin-bottom: 8px; }
.specs dd { display: grid; gap: 2px; }
.spec-big { font-size: clamp(28px, 2.8vw, 38px); font-weight: 500; letter-spacing: -0.04em; line-height: 1.05; }
.specs dd span:last-child { color: var(--muted); font-size: 14.5px; line-height: 1.4; }

/* ---------- Process ---------- */
.process { background: var(--ink); color: var(--cream); overflow: clip; }
.process .section-intro { color: var(--muted-light); }
.process h2 .serif { color: var(--green-bright); }
.steps-wrap { position: relative; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px, 2.5vw, 32px); position: relative; }
/* Track runs node 01 → node 03; JS sizes it and scrubs the fill with scroll */
.steps-line {
  position: absolute; left: 0; top: 0; width: 0; height: 1px;
  background: var(--forest-line);
  pointer-events: none;
}
.steps-line span {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, var(--green), var(--green-bright));
  box-shadow: 0 0 12px rgba(45,195,92,.7);
  transform: scaleX(0); transform-origin: left;
  will-change: transform;
}
.steps-line.is-vertical span { background: linear-gradient(180deg, var(--green), var(--green-bright)); transform: scaleY(0); transform-origin: top; }
.step { position: relative; }
.step-node {
  position: absolute; top: 0; left: 0;
  width: 45px; height: 45px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--ink); border: 1px solid rgba(243,240,231,.25);
  color: var(--cream);
  z-index: 1;
  transition: border-color .35s, color .35s;
}
.step-node .mono { font-size: 11px; letter-spacing: .04em; }
.step-node.is-reached { border-color: var(--green); color: var(--green-bright); }
.step-node.is-first { background: var(--green); color: var(--ink); border-color: var(--green); box-shadow: 0 0 0 8px rgba(45,195,92,.12); }
.step-icon { width: 44px; height: 44px; margin-bottom: 20px; }
.step-icon svg { width: 100%; height: 100%; fill: none; stroke: var(--green); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.step h3 { font-size: 24px; margin-bottom: 12px; }
.step p { color: var(--muted-light); max-width: 24em; }
.step strong { color: var(--cream); font-weight: 600; }
.step {
  padding: 68px 28px 0 0;
}
.step + .step { padding-left: 0; }
.process-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: clamp(40px, 4.5vw, 64px); padding-top: 32px; border-top: 1px solid var(--forest-line); }

/* ---------- Underwriting ---------- */
.uw-grid { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(40px, 5.5vw, 96px); }
.uw-sticky { position: sticky; top: 120px; }
.uw-sticky h2 { margin-bottom: 18px; }
.uw-sticky h2 .serif { color: var(--green-deep); }
.uw-sticky > p { color: var(--muted); max-width: 30em; margin-bottom: 28px; }
.uw-photo { border-radius: var(--radius) var(--radius) var(--radius) 90px; overflow: hidden; aspect-ratio: 2 / 1; }
.uw-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 40%; }
.uw-list { counter-reset: uw; border-top: 1px solid var(--line-strong); }
.uw-list li {
  display: grid; grid-template-columns: 64px 1fr; gap: 12px;
  padding: 24px 0;
  border-bottom: 1px solid var(--line);
}
.uw-num { color: var(--green-deep); padding-top: 8px; }
.uw-list h3 { font-size: clamp(21px, 1.9vw, 25px); margin-bottom: 6px; }
.uw-list p { color: var(--muted); font-size: 16px; }

/* ---------- Fit ---------- */
.fit { background: var(--paper-2); }
.fit h2 .serif { color: var(--green-deep); }
.fit-grid { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 20px; align-items: stretch; }
.fit-card, .compare {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(26px, 3vw, 40px);
}
.fit-card h3 { font-size: 22px; margin-bottom: 22px; }
.checklist { display: grid; }
.checklist li { display: grid; grid-template-columns: 28px 1fr; gap: 14px; padding: 16px 0; border-top: 1px solid var(--line); }
.checklist strong { display: block; font-weight: 550; letter-spacing: -0.01em; }
.checklist span { color: var(--muted); font-size: 15px; }
.checklist i { width: 26px; height: 26px; border-radius: 50%; position: relative; margin-top: 1px; }
.checklist .yes i { background: var(--green); }
.checklist .yes i::after { content: ""; position: absolute; left: 9.5px; top: 6px; width: 6px; height: 11px; border: solid var(--ink); border-width: 0 2px 2px 0; transform: rotate(45deg); }
.checklist .no i { border: 1.5px solid var(--line-strong); }
.checklist .no i::before, .checklist .no i::after { content: ""; position: absolute; left: 50%; top: 50%; width: 11px; height: 1.6px; background: var(--muted); transform: translate(-50%,-50%) rotate(45deg); }
.checklist .no i::after { transform: translate(-50%,-50%) rotate(-45deg); }
.checklist .no strong { color: var(--muted); text-decoration: line-through; text-decoration-color: var(--line-strong); }

.compare { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.compare-head, .compare-row { display: grid; grid-template-columns: .8fr 1fr 1.1fr; }
.compare-head { border-bottom: 1px solid var(--line); }
.compare-head > span, .compare-row > * { padding: 20px clamp(14px, 1.8vw, 26px); }
.compare-head > span:first-child, .compare-row > dt { padding-left: clamp(20px, 2.5vw, 32px); }
.compare-head > span { padding-block: 22px; }
.compare-head .mono { color: var(--muted); font-size: 11px; }
.compare-qd { display: inline-flex; align-items: center; gap: 8px; color: var(--ink) !important; }
.compare-qd img { width: 18px; }
.compare-head .compare-qd, .compare-row dd.qd { background: rgba(45,195,92,.09); border-left: 1px solid rgba(45,195,92,.28); }
.compare dl { flex: 1; display: grid; }
.compare-row { border-bottom: 1px solid var(--line); }
.compare-row:last-child { border-bottom: 0; }
.compare-row > * { font-size: 15px; display: flex; align-items: center; }
.compare-row dt { font-weight: 550; letter-spacing: -0.01em; }
.compare-row dd { color: var(--muted); }
.compare-row dd.qd { color: var(--ink); font-weight: 500; gap: 10px; }
.compare-row dd.qd::before { content: ""; flex: none; width: 7px; height: 7px; border-radius: 50%; background: var(--green); }

/* ---------- Partners ---------- */
.partners-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: clamp(48px, 7vw, 120px); align-items: center; }
.pull p {
  font-size: clamp(2.1rem, 3.9vw, 3.5rem);
  line-height: 1.06;
  letter-spacing: -0.04em;
  font-weight: 500;
  text-wrap: balance;
  margin-bottom: 28px;
}
.pull .serif { color: var(--green-deep); }
.partners-copy > p { color: var(--muted); max-width: 32em; margin-bottom: 32px; }
.people { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.person:nth-child(2) { margin-top: 48px; }
.person figure { aspect-ratio: 4 / 5; border-radius: var(--radius); overflow: hidden; margin-bottom: 16px; background: #232323; }
.person img { width: 100%; height: 100%; object-fit: cover; filter: grayscale(1) contrast(1.05); transform: scale(1.02); transition: filter .8s var(--ease), transform 1.2s var(--ease); }
.person:hover img { filter: grayscale(0); transform: scale(1.06); }
.person h3 { font-size: 22px; }
.person .mono { color: var(--green-deep); font-size: 11px; margin: 4px 0 12px; }
.person-bio { color: var(--muted); font-size: 15px; margin-bottom: 12px; }
.person-body > a { font-size: 14.5px; font-weight: 500; border-bottom: 1px solid var(--line-strong); padding-bottom: 2px; transition: border-color .3s; }
.person-body > a:hover { border-color: var(--green); }

/* ---------- Reviews ---------- */
.reviews { background: var(--forest); color: var(--cream); overflow: clip; }
.reviews-head { display: grid; grid-template-columns: auto 1fr auto; gap: clamp(32px, 5vw, 80px); align-items: end; margin-bottom: 40px; }
.rating { display: flex; align-items: center; gap: 18px; padding-right: clamp(24px, 4vw, 64px); border-right: 1px solid var(--forest-line); }
.rating-num { font-size: clamp(64px, 7vw, 104px); font-weight: 500; letter-spacing: -0.06em; line-height: .85; }
.rating .mono { color: var(--muted-light); font-size: 10.5px; margin-top: 8px; }
.stars { color: var(--green); letter-spacing: 2px; font-size: 14px; }
.stars-lg { position: relative; display: inline-block; font-size: 22px; letter-spacing: 3px; color: rgba(243,240,231,.2); }
.stars-lg > span { position: absolute; inset: 0 auto 0 0; width: var(--pct); overflow: hidden; color: var(--green); white-space: nowrap; }
.stars-lg::before { content: "★★★★★"; }
.reviews-title h2 { font-size: clamp(2rem, 3.4vw, 3rem); max-width: 14em; }
.reviews-title h2 .serif { color: var(--green-bright); }
.carousel-nav { display: flex; gap: 10px; }
.round-btn {
  width: 52px; height: 52px; border-radius: 50%;
  border: 1px solid rgba(243,240,231,.22);
  display: grid; place-items: center;
  transition: background-color .3s, border-color .3s, color .3s, opacity .3s;
}
.round-btn svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.round-btn:hover { background: var(--cream); color: var(--ink); border-color: var(--cream); }
.round-btn:disabled { opacity: .3; pointer-events: none; }

.review-track {
  display: grid; grid-auto-flow: column; grid-auto-columns: clamp(290px, 29vw, 410px);
  gap: 16px;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-padding-inline: max(var(--gutter), calc((100vw - var(--wrap)) / 2));
  padding-inline: max(var(--gutter), calc((100vw - var(--wrap)) / 2));
  padding-bottom: 8px;
  scrollbar-width: none;
  cursor: grab;
}
.review-track::-webkit-scrollbar { display: none; }
.review-track.is-dragging { cursor: grabbing; scroll-snap-type: none; }
.review-track.is-dragging * { pointer-events: none; user-select: none; }
.review {
  scroll-snap-align: start;
  display: flex; flex-direction: column; gap: 20px;
  padding: 30px;
  border-radius: var(--radius);
  background: rgba(243,240,231,.045);
  border: 1px solid var(--forest-line);
  min-height: 330px;
  transition: background-color .4s, border-color .4s;
}
.review:hover { background: rgba(243,240,231,.07); border-color: rgba(243,240,231,.2); }
.review blockquote { font-size: 18.5px; line-height: 1.5; letter-spacing: -0.012em; flex: 1; }
.review figcaption { display: flex; align-items: center; gap: 12px; padding-top: 20px; border-top: 1px solid var(--forest-line); }
.review figcaption strong { display: block; font-weight: 550; font-size: 15px; }
.review figcaption small { display: block; color: var(--muted-light); font-size: 13px; }
.avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--forest-2); border: 1px solid var(--forest-line); display: grid; place-items: center; font-family: var(--font-mono); font-size: 12px; color: var(--green-bright); }
.review-more { background: var(--green); color: var(--ink); justify-content: flex-end; border-color: var(--green); position: relative; }
.review-more:hover { background: var(--green-bright); border-color: var(--green-bright); }
.review-more strong { font-size: 28px; font-weight: 500; letter-spacing: -0.035em; line-height: 1.05; max-width: 8em; }
.review-more .mono { position: absolute; top: 30px; left: 30px; font-size: 10.5px; }
.review-more svg { position: absolute; top: 26px; right: 26px; width: 30px; height: 30px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; transition: transform .4s var(--ease); }
.review-more:hover svg { transform: translate(4px, -4px); }

/* ---------- Journal ---------- */
.journal h2 .serif { color: var(--green-deep); }
.posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px, 2.4vw, 36px); }
.post { display: flex; flex-direction: column; }
.post figure { aspect-ratio: 4 / 3; border-radius: var(--radius-sm); overflow: hidden; margin-bottom: 22px; background: var(--paper-3); }
.post img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.post:hover img { transform: scale(1.05); }
.post .mono { color: var(--muted); font-size: 11px; margin-bottom: 10px; }
.post h3 { font-size: 21px; line-height: 1.25; margin-bottom: 10px; text-wrap: balance; transition: color .3s; }
.post:hover h3 { color: var(--green-deep); }
.post p:last-child { color: var(--muted); font-size: 15.5px; }

/* ---------- FAQ ---------- */
.faq { padding-top: 0; }
.faq-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(40px, 7vw, 120px); padding-top: var(--section); border-top: 1px solid var(--line-strong); }
.faq h2 { margin-bottom: 22px; }
.faq h2 .serif { color: var(--green-deep); }
.faq-grid > div:first-child > p { color: var(--muted); }
.faq-grid > div:first-child a { color: var(--text); border-bottom: 1px solid var(--line-strong); }
.faq-list { border-top: 1px solid var(--line-strong); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary {
  list-style: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 26px 0;
  font-size: clamp(18px, 1.6vw, 21px); font-weight: 500; letter-spacing: -0.02em;
  transition: color .3s;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary:hover { color: var(--green-deep); }
.faq-list summary i { flex: none; width: 34px; height: 34px; border-radius: 50%; border: 1px solid var(--line-strong); position: relative; transition: background-color .3s, border-color .3s, transform .4s var(--ease); }
.faq-list summary i::before, .faq-list summary i::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 1.5px; background: currentColor; transform: translate(-50%,-50%); transition: transform .4s var(--ease); }
.faq-list summary i::after { transform: translate(-50%,-50%) rotate(90deg); }
.faq-list details[open] summary i { background: var(--ink); border-color: var(--ink); color: var(--cream); }
.faq-list details[open] summary i::after { transform: translate(-50%,-50%) rotate(0deg); }
.faq-list details p { color: var(--muted); padding: 0 64px 28px 0; max-width: 40em; }
.faq-list details[open] p { animation: faqIn .5s var(--ease); }
@keyframes faqIn { from { opacity: 0; transform: translateY(-6px); } }

/* ---------- Apply ---------- */
.apply {
  background:
    radial-gradient(70% 70% at 100% 0%, rgba(45,195,92,.14), transparent 60%),
    var(--ink);
  color: var(--cream);
  overflow: clip;
}
.apply-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: clamp(48px, 7vw, 112px); align-items: center; }
.apply h2 { font-size: clamp(2.6rem, 5.2vw, 4.75rem); margin-bottom: 24px; }
.apply h2 .serif { color: var(--green-bright); }
.apply-copy > p { color: var(--muted-light); max-width: 30em; margin-bottom: 32px; font-size: 18px; }
.contact-lines { display: grid; gap: 0; border-top: 1px solid var(--forest-line); max-width: 420px; }
.contact-lines li { display: flex; justify-content: space-between; align-items: center; padding: 18px 0; border-bottom: 1px solid var(--forest-line); }
.contact-lines .mono { color: var(--muted-light); font-size: 11px; }
.contact-lines a { font-size: 19px; font-weight: 500; letter-spacing: -0.02em; transition: color .3s; }
.contact-lines a:hover { color: var(--green-bright); }

.apply-form {
  position: relative;
  background: var(--paper);
  color: var(--text);
  border-radius: 26px;
  padding: clamp(24px, 3vw, 40px);
  box-shadow: 0 60px 120px -40px rgba(0,0,0,.6);
}
.form-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 18px; padding-bottom: 16px; border-bottom: 1px solid var(--line); }
.form-head h3 { font-size: 22px; }
.form-head .mono { color: var(--muted); font-size: 10.5px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 14px; margin-bottom: 20px; }
.field { display: grid; gap: 7px; min-width: 0; }
.field.full { grid-column: 1 / -1; }
fieldset.field { border: 0; padding: 0; margin: 0; }
.field > span, .field legend { font-size: 13px; font-weight: 500; color: var(--muted); padding: 0; }
.field em { font-style: normal; opacity: .7; }
.field input, .field textarea {
  width: 100%;
  font: inherit; font-size: 16px;
  color: var(--text);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 11px 14px;
  transition: border-color .25s, box-shadow .25s;
  resize: vertical;
}
.field input::placeholder, .field textarea::placeholder { color: #a3a8a2; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--green-deep); box-shadow: 0 0 0 4px var(--green-glow); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 7px; }
.chips label { position: relative; }
.chips input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chips span { display: inline-block; padding: 9px 14px; border-radius: 999px; border: 1px solid var(--line-strong); font-size: 14px; font-weight: 500; transition: background-color .25s, color .25s, border-color .25s; }
.chips input:checked + span { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.chips input:focus-visible + span { outline: 2px solid var(--green); outline-offset: 2px; }
.form-note { margin-top: 12px; text-align: center; font-size: 12.5px; color: var(--muted); }
.form-success {
  position: absolute; inset: 0; border-radius: inherit;
  background: var(--paper);
  display: grid; place-content: center; justify-items: center; text-align: center; gap: 12px;
  padding: 40px;
  animation: panelIn .6s var(--ease);
}
.form-success[hidden] { display: none; }
.form-success img { width: 56px; margin-bottom: 8px; }
.form-success h3 { font-size: 28px; }
.form-success p { color: var(--muted); max-width: 26em; }
.form-success p a { color: var(--text); border-bottom: 1px solid var(--line-strong); }
.form-success .link-arrow { margin-top: 8px; }

/* =========================================================
   FOOTER
   ========================================================= */
.site-footer { background: var(--ink); color: var(--cream); padding-top: clamp(56px, 6vw, 88px); border-top: 1px solid var(--forest-line); overflow: clip; }
.footer-top { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.6fr); gap: 48px; padding-bottom: 40px; }
.footer-brand img { width: 190px; margin-bottom: 20px; }
.footer-brand p { color: var(--muted-light); font-size: 15px; max-width: 22em; margin-bottom: 24px; }
.socials { display: flex; gap: 10px; }
.socials a { width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--forest-line); display: grid; place-items: center; transition: background-color .3s, border-color .3s, color .3s; }
.socials a:hover { background: var(--green); border-color: var(--green); color: var(--ink); }
.socials svg { width: 17px; height: 17px; fill: currentColor; }
.footer-cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.footer-cols h4 { color: var(--muted-light); font-size: 11px; font-weight: 450; margin-bottom: 18px; }
.footer-cols ul { display: grid; gap: 11px; }
.footer-cols a { font-size: 15px; opacity: .88; transition: opacity .25s, color .25s; overflow-wrap: anywhere; }
.footer-cols a:hover { opacity: 1; color: var(--green-bright); }
.footer-mark {
  font-size: clamp(64px, 18.5vw, 300px);
  font-weight: 600;
  letter-spacing: -0.065em;
  line-height: .78;
  text-align: center;
  color: transparent;
  -webkit-text-stroke: 1px rgba(243,240,231,.14);
  user-select: none;
  margin-bottom: -0.02em;
  white-space: nowrap;
}
.footer-bottom {
  display: grid; grid-template-columns: auto 1fr auto; gap: 24px; align-items: center;
  padding: 26px 0 calc(28px + env(safe-area-inset-bottom));
  border-top: 1px solid var(--forest-line);
  font-size: 13px; color: var(--muted-light);
}
.footer-bottom p:nth-child(2) { text-align: center; }
.footer-bottom a:hover { color: var(--cream); }

/* Mobile sticky CTA */
.mobile-cta { display: none; }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1180px) {
  .primary-nav a { padding: 8px 10px; }
  .header-phone span { display: none; }
}

@media (max-width: 1023px) {
  :root { --header-h: 68px; }
  .primary-nav, .header-phone { display: none; }
  .menu-toggle { display: grid; }
  .header-actions { margin-left: auto; gap: 10px; }

  .section-head.split { grid-template-columns: 1fr; align-items: start; gap: 20px; }
  .section-head.split > .link-arrow, .section-intro { justify-self: start; }

  .program-list {
    position: relative; top: 0;
    display: flex; gap: 8px; overflow-x: auto; scrollbar-width: none;
    margin-inline: calc(var(--gutter) * -1); padding-inline: var(--gutter);
    scroll-snap-type: x mandatory;
  }
  .program-list::-webkit-scrollbar { display: none; }
  .program-tab { flex: none; padding: 14px 18px; gap: 12px; grid-template-columns: auto auto; border-color: var(--line); scroll-snap-align: start; }
  .program-tab small, .program-tab .arrow, .program-tab::before { display: none; }
  .program-tab strong { font-size: 15.5px; }

  .steps { grid-template-columns: 1fr; gap: 0; }
  .step, .step + .step { padding: 0 0 40px 76px; }
  .step:last-child { padding-bottom: 0; }
  .step-icon { width: 40px; height: 40px; margin-bottom: 16px; }

  .uw-grid, .fit-grid, .partners-grid, .apply-grid, .faq-grid { grid-template-columns: 1fr; }
  .uw-sticky { position: static; }
  .uw-photo { aspect-ratio: 16 / 9; }
  .reviews-head { grid-template-columns: 1fr auto; }
  .rating { grid-column: 1 / -1; border-right: 0; padding-right: 0; }
  .posts { grid-template-columns: 1fr 1fr; }
  .posts .post:nth-child(3) { display: none; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { grid-template-columns: 1fr; text-align: left; gap: 10px; }
  .footer-bottom p:nth-child(2) { text-align: left; }
}

@media (max-width: 899px) {
  /* Stacked hero: copy + timeline card, no photo, so it still fits one screen */
  .hero-grid { grid-template-columns: 1fr; align-content: center; }
  .hero-visual { max-width: 520px; padding: 0; }
  .hero-photo, .hero-chip { display: none; }
  .deal-card { position: relative; width: 100%; }
  .program-panel { grid-template-columns: 1fr; gap: 24px; }
  .program-media { aspect-ratio: 16 / 10; }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .btn-sm { display: none; }
  .hide-sm { display: none !important; }
  .hero-grid { padding-top: calc(var(--header-h) + 12px); padding-bottom: 16px; gap: 20px; }
  .hero .eyebrow { font-size: 11px; letter-spacing: .1em; margin-bottom: 14px; }
  .hero-title { font-size: clamp(2.35rem, 10.5vw, 3.3rem); margin-bottom: 14px; }
  .hero-lede { font-size: 15.5px; line-height: 1.55; margin-bottom: 20px; }
  .hero-ctas { gap: 8px; flex-wrap: nowrap; margin-bottom: 16px; }
  .hero-ctas .btn { --h: 50px; padding: 0 16px; font-size: 15px; }
  .hero-ctas .btn-primary { flex: 1.15 1 0; }
  .hero-ctas .btn-ghost-light { flex: 1 1 0; }
  .hero-ctas .arrow { display: none; }
  .hero-proof { gap: 8px 18px; font-size: 13px; padding-top: 0; border-top: 0; }
  .hero-proof li + li::before { display: none; }
  .deal-card { padding: 12px 14px; }
  .deal-head { margin-bottom: 10px; }
  .deal-body { grid-template-columns: 72px 1fr; gap: 14px; }
  .dial { width: 72px; height: 72px; }
  .dial-num { font-size: 21px; }
  .dial-label .mono { font-size: 8.5px; }
  .deal-steps { gap: 5px; }
  .deal-steps li { font-size: 12.5px; }
  .deal-foot { display: none; }
  .ticker { padding: 11px 0; }
  .ticker-track { font-size: 14px; gap: 22px; }

  .process-cta .btn { flex: 1 1 100%; }
  .pillars { grid-template-columns: 1fr; border-top: 0; }
  .pillar, .pillar + .pillar { padding: 24px 0 28px; border-left: 0; border-top: 1px solid var(--line-strong); }
  .pillar-num { margin-bottom: 18px; }
  .pillar p { margin-bottom: 24px; }

  .specs { grid-template-columns: 1fr; }
  .specs > div + div { padding-left: 0; border-left: 0; border-top: 1px solid var(--line); margin-top: 18px; }

  .compare-head, .compare-row { grid-template-columns: 1fr 1fr; }
  .compare-head > span:first-child { display: none; }
  .compare-head > span:nth-child(2) { padding-left: 20px; }
  .compare-row dt { grid-column: 1 / -1; padding: 16px 20px 2px; font-size: 11px; color: var(--muted); font-family: var(--font-mono); text-transform: uppercase; letter-spacing: .08em; font-weight: 450; }
  .compare-row dd { padding: 8px 14px 16px 20px; font-size: 14.5px; align-items: flex-start; }
  .compare-row dd.qd { padding-left: 14px; }
  .compare-row dd.qd::before { margin-top: 7px; }

  .people { gap: 14px; }
  .person:nth-child(2) { margin-top: 32px; }
  .person h3 { font-size: 18px; }
  .person-bio { font-size: 14px; }
  .person-body > a { font-size: 12.5px; overflow-wrap: anywhere; }

  .reviews-head { grid-template-columns: 1fr; gap: 24px; margin-bottom: 36px; }
  .carousel-nav { display: none; }
  .review-track { grid-auto-columns: 84%; }
  .review { padding: 24px; min-height: 260px; }
  .review blockquote { font-size: 17px; }

  .posts { grid-template-columns: 1fr; gap: 36px; }
  .posts .post:nth-child(3) { display: flex; }
  .faq-list details p { padding-right: 0; }

  .form-grid { grid-template-columns: 1fr; }
  .form-head { flex-direction: column; gap: 4px; }
  .footer-cols { grid-template-columns: 1fr 1fr; gap: 32px 20px; }
  .footer-cols > div:last-child { grid-column: 1 / -1; }

  .mobile-cta {
    position: fixed; left: 12px; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom)); z-index: 40;
    display: grid; grid-template-columns: auto 1fr; gap: 8px;
    padding: 8px;
    border-radius: 999px;
    background: rgba(11,23,18,.86);
    backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(243,240,231,.12);
    box-shadow: 0 20px 40px -12px rgba(0,0,0,.5);
    transform: translateY(140%);
    transition: transform .55s var(--ease);
  }
  .mobile-cta .btn { --h: 46px; }
  .mobile-cta .btn-ghost-light { padding: 0 22px; }
  .mobile-cta.is-visible { transform: none; }
  .site-footer { padding-bottom: 72px; }
}

@media (max-width: 720px) and (max-height: 700px) {
  /* Small phones (iPhone SE): drop the proof line so the hero stays on one screen */
  .hero-proof { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; transition-delay: 0ms !important; }
  .reveal { opacity: 1; transform: none; }
  .ticker-track { animation: none; }
}