/* ============================================================
   AHEAD LENDING — SHARED DESIGN SYSTEM
   Style: Forest Editorial (Option 03)
   Palette: Cream + Forest Green + Amber
   ============================================================ */

/* ===== TOKENS ===== */
:root{
  --paper:#F4EFE1;
  --paper-2:#EAE2CE;
  --card:#FFFFFF;
  --ink:#0B2A24;
  --ink-soft:#1E3D36;
  --muted:#5C6E68;
  --line:#DFD5BE;
  --line-soft:#E8E0CC;
  --brand:#0B4F44;
  --brand-deep:#083A32;
  --brand-tint:#DDEAE6;
  --accent:#D89547;
  --accent-deep:#B57728;
  --accent-tint:rgba(216,149,71,.12);
  --amber:#D89547;
  --serif:'Fraunces',ui-serif,Georgia,serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --wrap:1180px;
  --header-h:72px;
  --radius:14px;
  --radius-lg:20px;
  --shadow-soft:0 1px 2px rgba(11,42,36,.06),0 8px 24px rgba(11,42,36,.06);
  --shadow-lift:0 4px 8px rgba(11,42,36,.08),0 24px 60px rgba(11,42,36,.14);
}

/* ===== RESET + BASE ===== */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
button{font-family:inherit;cursor:pointer;border:none;background:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}

/* ===== TYPOGRAPHY ===== */
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.1;letter-spacing:-.025em;margin:0;color:var(--ink)}
h1{font-size:clamp(2.4rem,4.5vw,3.6rem)}
h2{font-size:clamp(1.8rem,3vw,2.6rem)}
h3{font-size:1.35rem;font-weight:600}
h4{font-size:1.1rem;font-weight:600}
h1 em,h2 em,h3 em{font-style:italic;color:var(--accent);font-weight:400}
p{margin:0 0 1rem 0}
.eyebrow{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--accent);margin-bottom:18px;font-family:var(--sans)}

/* ===== HEADER ===== */
.site-header{position:sticky;top:0;z-index:50;background:rgba(244,239,225,.92);backdrop-filter:saturate(150%) blur(16px);-webkit-backdrop-filter:saturate(150%) blur(16px);border-bottom:1px solid rgba(11,79,68,.08);transition:transform .3s ease;will-change:transform}
.site-header.hidden{transform:translateY(-100%)}
.nav{display:flex;align-items:center;justify-content:space-between;height:var(--header-h)}
.brand{display:flex;align-items:center;font-family:var(--serif);font-weight:500;font-size:.98rem;color:var(--ink);letter-spacing:.24em;text-transform:uppercase;white-space:nowrap;text-decoration:none;transition:color .2s}
.brand:hover{text-decoration:none;color:var(--brand)}
.brand-mark{display:none}
.brand-mark svg{display:none}
.nav-links{display:flex;gap:32px}
.nav-links a{color:var(--ink-soft);font-weight:500;font-size:.94rem;transition:color .2s}
.nav-links a:hover{color:var(--accent);text-decoration:none}
.nav-links a.active{color:var(--accent);font-weight:600;position:relative}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-24px;height:2px;background:var(--accent);border-radius:2px}
.nav-cta{display:flex;gap:12px;align-items:center}
.menu-btn{display:none;color:var(--ink)}

/* ===== BUTTONS ===== */
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem;padding:14px 24px;border-radius:999px;transition:transform .15s,box-shadow .2s,background .2s;white-space:nowrap;cursor:pointer;min-height:44px;font-family:var(--sans);text-decoration:none}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 10px 24px rgba(216,149,71,.28)}
.btn-primary:hover{background:var(--accent-deep);transform:translateY(-2px);text-decoration:none;color:#fff}
.btn-ghost{color:var(--ink);border:1px solid rgba(11,42,36,.15);background:rgba(255,255,255,.5)}
.btn-ghost:hover{background:#fff;text-decoration:none}
.btn-text{color:var(--ink);font-weight:500;font-size:.9rem;text-decoration:none;border-bottom:1px solid currentColor;padding:4px 0 3px;border-radius:0;min-height:0;background:transparent}
.btn-text:hover{color:var(--accent);text-decoration:none}
.btn-hero{padding:16px 28px;font-size:1rem}

/* ===== HERO (index) ===== */
.hero{padding:56px 0 100px;position:relative;overflow:hidden;background:var(--ink)}
.hero::before{content:"";position:absolute;inset:0;background-image:url('hero-bg.webp');background-size:cover;background-position:center;background-repeat:no-repeat;z-index:0}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:72px;align-items:center}
.hero-text{background:transparent;padding:0;border:none;box-shadow:none}
.hero .eyebrow{background:rgba(216,149,71,.22);color:var(--amber);border:1px solid rgba(216,149,71,.45);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px)}
.hero h1{margin-bottom:22px;color:var(--paper);text-shadow:0 2px 24px rgba(0,0,0,.65),0 1px 4px rgba(0,0,0,.5)}
.hero h1 em{color:var(--amber);text-shadow:0 2px 24px rgba(0,0,0,.55),0 1px 4px rgba(0,0,0,.4)}
.hero-sub{color:rgba(244,239,225,.98);font-size:1.1rem;line-height:1.65;margin:0 0 32px;max-width:46ch;text-shadow:0 2px 18px rgba(0,0,0,.7),0 1px 3px rgba(0,0,0,.55);font-weight:500}
.hero .trust-row{border-top-color:rgba(244,239,225,.28)}
.hero .trust-item{color:rgba(244,239,225,.95);text-shadow:0 1px 12px rgba(0,0,0,.65),0 1px 3px rgba(0,0,0,.5);font-weight:500}
.hero .trust-item svg{color:var(--amber);filter:drop-shadow(0 1px 4px rgba(0,0,0,.5))}
.hero .btn-text{color:var(--paper);opacity:1;text-shadow:0 1px 12px rgba(0,0,0,.7)}
.hero .btn-text:hover{color:var(--amber)}
.hero-ctas{display:flex;align-items:center;gap:24px;margin-bottom:36px}
.hero-form-wrap{background:var(--card);border-radius:22px;padding:6px;box-shadow:0 30px 80px rgba(0,0,0,.5),0 2px 8px rgba(0,0,0,.25);position:sticky;top:calc(var(--header-h) + 20px);border:1px solid var(--line-soft)}
.hero-form-inner{padding:32px 28px 24px;position:relative;min-height:420px;background:var(--paper);border-radius:18px}
.form-title{font-family:var(--serif);font-size:1.35rem;font-weight:600;color:var(--ink);margin:0 0 6px;letter-spacing:-.015em}
.form-sub{color:var(--muted);font-size:.9rem;margin-bottom:22px}
.form-loading{position:absolute;inset:60px 28px auto 28px;text-align:center;padding-top:60px;color:var(--muted);font-size:.9rem}
.spinner{width:36px;height:36px;border:3px solid var(--line);border-top-color:var(--accent);border-radius:50%;margin:0 auto 16px;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* Third-party form overrides */
#_lg_form_ input,#_lg_form_ select,#_lg_form_ textarea{width:100% !important;padding:12px 14px !important;border:1px solid var(--line) !important;border-radius:10px !important;background:#fff !important;font-family:var(--sans) !important;font-size:.95rem !important;color:var(--ink) !important;box-sizing:border-box !important;transition:border-color .15s !important}
#_lg_form_ input:focus,#_lg_form_ select:focus{outline:none !important;border-color:var(--accent) !important;box-shadow:0 0 0 3px rgba(216,149,71,.15) !important}
#_lg_form_ label{font-family:var(--sans) !important;font-size:.85rem !important;color:var(--ink-soft) !important;font-weight:500 !important;margin-bottom:6px !important;display:block !important}
#_lg_form_ button[type="submit"],#_lg_form_ input[type="submit"]{background:var(--accent) !important;color:#fff !important;padding:14px 24px !important;border-radius:999px !important;font-family:var(--sans) !important;font-weight:700 !important;font-size:1rem !important;border:none !important;cursor:pointer !important;width:100% !important;transition:background .15s !important;box-shadow:0 10px 24px rgba(216,149,71,.28) !important}
#_lg_form_ button[type="submit"]:hover,#_lg_form_ input[type="submit"]:hover{background:var(--accent-deep) !important}
#_lg_form_ h1,#_lg_form_ h2,#_lg_form_ h3{font-family:var(--serif) !important;color:var(--ink) !important;font-weight:500 !important}

/* Hero photo (subpages that need it) */
.hero-photo{aspect-ratio:4/5;border-radius:24px;position:relative;overflow:hidden;box-shadow:0 40px 80px rgba(11,42,36,.14),0 8px 24px rgba(11,42,36,.06);background:radial-gradient(circle at 30% 22%,rgba(255,220,150,.35),transparent 65%),radial-gradient(circle at 78% 78%,rgba(11,79,68,.6),transparent 55%),linear-gradient(160deg,#B8B078 0%,#5C7D6B 45%,#0B4F44 100%)}
.photo-badge{position:absolute;bottom:24px;left:24px;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);padding:16px 22px;border-radius:14px;max-width:240px}
.photo-badge strong{display:block;font-family:var(--serif);font-size:1.9rem;font-weight:500;color:var(--ink);line-height:1;margin-bottom:4px;letter-spacing:-.01em}
.photo-badge span{font-size:.78rem;color:var(--muted);line-height:1.4}

/* ===== PAGE HERO (subpages) ===== */
.page-hero{padding:72px 0 48px;background:radial-gradient(600px 400px at 88% 12%,rgba(216,149,71,.1),transparent 60%),radial-gradient(500px 400px at 5% 90%,rgba(11,79,68,.05),transparent 60%),var(--paper);position:relative;overflow:hidden}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:24px;display:flex;align-items:center;gap:8px}
.breadcrumb a{color:var(--muted);font-weight:500}
.breadcrumb a:hover{color:var(--accent)}
.breadcrumb span[aria-current]{color:var(--ink);font-weight:600}
.breadcrumb svg{width:12px;height:12px;color:var(--muted);opacity:.6}
.page-hero h1{max-width:860px;margin-bottom:20px}
.page-hero-lede{color:var(--ink-soft);font-size:1.1rem;max-width:62ch;line-height:1.65;margin-bottom:0}

/* ===== TRUST ROW ===== */
.trust-row{display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;padding:28px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0}
.trust-item{display:flex;align-items:center;gap:10px;font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.trust-item svg{width:14px;height:14px;color:var(--accent);opacity:.8;flex:none}

/* ===== SECTION SPACING ===== */
section{padding:90px 0}
.section-head{max-width:640px;margin:0 auto 48px;text-align:center}
.section-head p{color:var(--muted);font-size:1.02rem;margin:0}

/* ===== PRODUCT CARDS ===== */
.products-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:stretch;padding:20px 0}
.products-grid.three{grid-template-columns:1fr 1fr 1fr}
.product-card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:32px 26px;display:flex;flex-direction:column;position:relative;transition:transform .25s,box-shadow .25s}
.product-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift)}
.product-card.featured{background:var(--ink);color:var(--paper);transform:scale(1.04);z-index:1;box-shadow:0 30px 60px rgba(0,0,0,.25);border-color:transparent}
.product-card.featured:hover{transform:scale(1.04) translateY(-4px)}

/* ===== PROS & CONS ===== */
.pc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:1000px;margin:0 auto}
.pc-card{background:var(--card);border-radius:var(--radius-lg);padding:32px 30px;border:1px solid var(--line);position:relative}
.pc-card.pros{border-left:4px solid var(--brand)}
.pc-card.cons{border-left:4px solid var(--accent-deep)}
.pc-card h3{font-family:var(--serif);font-size:1.3rem;font-weight:600;color:var(--ink);margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--line-soft);display:flex;align-items:center;gap:10px}
.pc-card h3 svg{width:22px;height:22px}
.pc-card.pros h3 svg{color:var(--brand)}
.pc-card.cons h3 svg{color:var(--accent-deep)}
.pc-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}
.pc-list li{display:flex;gap:12px;align-items:flex-start;font-size:.94rem;color:var(--ink-soft);line-height:1.55}
.pc-list li strong{color:var(--ink);font-weight:600;display:block;margin-bottom:2px;font-family:var(--serif)}
.pc-list svg{width:18px;height:18px;flex:none;margin-top:3px}
.pc-card.pros .pc-list svg{color:var(--brand)}
.pc-card.cons .pc-list svg{color:var(--accent-deep)}
.product-badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--accent);color:#fff;padding:6px 16px;border-radius:999px;font-size:.66rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;white-space:nowrap;box-shadow:0 6px 14px rgba(0,0,0,.2)}
.product-cat{font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px;display:block}
.product-card.featured .product-cat{color:rgba(255,255,255,.55)}
.product-card h3{font-size:1.5rem;color:var(--ink);margin:0 0 8px}
.product-card.featured h3{color:var(--paper)}
.product-price{font-family:var(--serif);font-size:1.7rem;font-weight:500;color:var(--accent);letter-spacing:-.02em;margin-bottom:22px;line-height:1}
.product-list{list-style:none;padding:0;margin:0 0 24px;flex-grow:1;display:flex;flex-direction:column;gap:11px}
.product-list li{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted);line-height:1.45}
.product-card.featured .product-list li{color:rgba(255,255,255,.75)}
.product-list svg{width:15px;height:15px;color:var(--accent);flex:none;margin-top:2px}
.product-example{background:var(--line-soft);padding:12px 14px;border-radius:10px;font-size:.78rem;color:var(--muted);text-align:center}
.product-example strong{color:var(--ink);font-weight:600;font-family:var(--serif)}
.product-card.featured .product-example{background:rgba(255,255,255,.08);color:rgba(255,255,255,.6)}
.product-card.featured .product-example strong{color:var(--paper)}

/* ===== FEATURES GRID ===== */
.features-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.feature-card{text-align:center}
.feature-icon{width:56px;height:56px;border-radius:16px;background:var(--accent-tint);color:var(--accent);display:grid;place-items:center;margin:0 auto 18px}
.feature-icon svg{width:26px;height:26px}
.feature-card h4{font-family:var(--serif);font-size:1.1rem;color:var(--ink);margin-bottom:8px}
.feature-card p{color:var(--muted);font-size:.92rem;margin:0;line-height:1.55}

/* ===== HOW IT WORKS STEPS ===== */
.steps-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:32px;position:relative}
.steps-grid::before{content:"";position:absolute;top:32px;left:calc(16.66% + 32px);right:calc(16.66% + 32px);height:1px;background:linear-gradient(to right,var(--accent) 0%,var(--brand) 100%);opacity:.3;z-index:0}
.step-card{text-align:center;position:relative;z-index:1}
.step-num{width:64px;height:64px;border-radius:50%;background:var(--paper);border:2px solid var(--accent);color:var(--accent);font-family:var(--serif);font-weight:500;font-size:1.5rem;display:grid;place-items:center;margin:0 auto 20px}
.step-card:nth-child(2) .step-num{border-color:var(--brand);color:var(--brand)}
.step-card:nth-child(3) .step-num{border-color:var(--accent-deep);color:var(--accent-deep)}
.step-card h3{font-family:var(--serif);font-size:1.3rem;font-weight:500;color:var(--ink);margin-bottom:10px}
.step-card p{color:var(--muted);font-size:.94rem;line-height:1.6;margin:0}

/* ===== RATES TABLE ===== */
.rates-table-wrap{overflow-x:auto;border-radius:var(--radius-lg);border:1px solid var(--line);background:var(--card)}
.rates-table{width:100%;border-collapse:collapse;font-size:.94rem;min-width:640px}
.rates-table th,.rates-table td{padding:18px 22px;text-align:left;border-bottom:1px solid var(--line)}
.rates-table th{background:var(--ink);color:var(--paper);font-family:var(--serif);font-weight:500;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase}
.rates-table tr:last-child td{border-bottom:none}
.rates-table td:first-child{font-weight:600;color:var(--ink)}
.rates-table td .apr{color:var(--accent);font-family:var(--serif);font-weight:600;font-size:1.05rem}
.rates-table tr:hover td{background:var(--paper)}

/* ===== ABOUT / STORY ===== */
.about-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:64px;align-items:center}
.about-quote{background:linear-gradient(135deg,var(--brand) 0%,var(--brand-deep) 100%);color:#fff;padding:40px;border-radius:var(--radius-lg);position:relative;overflow:hidden}
.about-quote::before{content:"";position:absolute;bottom:-80px;right:-80px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,var(--amber) 0%,transparent 70%);opacity:.3}
.about-quote-name{font-family:var(--serif);font-size:1.5rem;font-weight:500;margin-bottom:2px;position:relative}
.about-quote-title{color:rgba(255,255,255,.7);font-size:.88rem;margin-bottom:24px;position:relative}
.about-quote-text{font-family:var(--serif);font-size:1.3rem;font-style:italic;line-height:1.45;position:relative}

/* ===== FAQ ACCORDION ===== */
.faq-grid{display:grid;grid-template-columns:1fr;gap:12px;max-width:820px;margin:0 auto}
details.faq-item{background:var(--card);border-radius:12px;border:1px solid var(--line);overflow:hidden;transition:border-color .2s}
details.faq-item[open]{border-color:var(--accent)}
details.faq-item summary{padding:20px 24px;cursor:pointer;font-family:var(--serif);font-size:1.08rem;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:12px;list-style:none}
details.faq-item summary::-webkit-details-marker{display:none}
details.faq-item summary::after{content:"+";font-family:var(--sans);font-size:1.5rem;color:var(--accent);font-weight:400;line-height:0}
details.faq-item[open] summary::after{content:"−"}
.faq-body-text{padding:0 24px 20px;color:var(--muted);line-height:1.65}
.faq-body-text p{margin:0 0 10px}
.faq-body-text p:last-child{margin:0}
.faq-body-text a{color:var(--accent);font-weight:500}

/* ===== CTA BAND ===== */
.cta-band{background:var(--ink);color:#fff;text-align:center;padding:90px 0;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(500px 300px at 20% 30%,rgba(216,149,71,.2),transparent 60%),radial-gradient(500px 300px at 80% 70%,rgba(11,79,68,.4),transparent 60%)}
.cta-band>*{position:relative}
.cta-band h2{color:#fff;max-width:720px;margin:0 auto 16px}
.cta-band h2 em{color:var(--amber)}
.cta-band p{color:rgba(255,255,255,.7);max-width:560px;margin:0 auto 32px;font-size:1.05rem}

/* ===== FOOTER ===== */
footer{background:var(--brand-deep);color:rgba(255,255,255,.7);padding:72px 0 24px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.foot-brand{display:flex;align-items:center;color:#F4EFE1;font-family:var(--serif);font-weight:500;font-size:.98rem;margin-bottom:14px;letter-spacing:.24em;text-transform:uppercase;white-space:nowrap}
.foot-brand .brand-mark{display:none}
.foot-about{color:rgba(255,255,255,.6);font-size:.88rem;line-height:1.6;max-width:36ch}
.foot-title{color:#fff;font-weight:600;font-size:.78rem;margin-bottom:16px;letter-spacing:.12em;text-transform:uppercase;font-family:var(--sans)}
.foot-links{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.foot-links a{color:rgba(255,255,255,.65)}
.foot-links a:hover{color:var(--accent);text-decoration:underline}
.disclosure{padding-top:28px;border-top:1px solid rgba(255,255,255,.12);font-size:.78rem;color:rgba(255,255,255,.55);line-height:1.6}
.disclosure p{margin-bottom:12px}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;margin-top:20px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);font-size:.82rem}

/* ===== SCROLL TO TOP (desktop / tablet) ===== */
.scroll-top{position:fixed;bottom:28px;right:28px;z-index:40;display:none;width:52px;height:52px;border-radius:50%;background:var(--ink);color:var(--amber);border:1.5px solid rgba(216,149,71,.35);box-shadow:0 10px 28px rgba(11,42,36,.35),0 2px 6px rgba(0,0,0,.15);cursor:pointer;transition:transform .25s ease,background .2s,box-shadow .25s,color .2s,border-color .2s;place-items:center;animation:pop .3s ease-out;-webkit-appearance:none;padding:0;font-family:inherit}
.scroll-top svg{width:22px;height:22px;transition:transform .2s}
.scroll-top:hover{background:var(--brand-deep);color:var(--paper);border-color:rgba(216,149,71,.65);transform:translateY(-3px);box-shadow:0 14px 32px rgba(11,42,36,.45),0 3px 8px rgba(0,0,0,.2)}
.scroll-top:hover svg{transform:translateY(-2px)}
.scroll-top:active{transform:translateY(0)}
.scroll-top:focus-visible{outline:2px solid var(--amber);outline-offset:3px}
.scroll-top.visible{display:grid}
@keyframes pop{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}

/* ===== MOBILE STICKY BAR ===== */
.mobile-bottom-cta{position:fixed;bottom:0;left:0;right:0;z-index:45;display:none;padding:14px 16px calc(14px + env(safe-area-inset-bottom));background:rgba(244,239,225,.96);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-top:1px solid rgba(11,79,68,.14);box-shadow:0 -10px 28px rgba(11,42,36,.12);animation:slideUpBar .35s ease-out}
@keyframes slideUpBar{from{transform:translateY(100%)}to{transform:translateY(0)}}
.mobile-bottom-cta-btn{width:100%;padding:15px 20px;background:var(--accent);color:#fff;border-radius:14px;font-weight:700;font-size:.98rem;display:flex;align-items:center;justify-content:center;gap:8px;box-shadow:0 8px 20px rgba(216,149,71,.38);text-decoration:none;transition:background .15s,transform .1s}
.mobile-bottom-cta-btn:hover,.mobile-bottom-cta-btn:active{background:var(--accent-deep);color:#fff;text-decoration:none}
.mobile-bottom-cta-btn:active{transform:scale(.98)}
.mobile-bottom-cta-hint{display:flex;align-items:center;justify-content:center;gap:6px;font-size:.72rem;color:var(--ink-soft);margin-top:8px;font-weight:500;letter-spacing:.01em}
.mobile-bottom-cta-hint svg{width:12px;height:12px;color:var(--brand)}

/* ===== CALCULATOR ===== */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;background:var(--card);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-soft);border:1px solid var(--line)}
.calc-inputs{padding:40px}
.calc-inputs h3{margin-bottom:8px}
.calc-inputs p{color:var(--muted);font-size:.9rem;margin-bottom:28px}
.calc-field{margin-bottom:24px}
.calc-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-size:.88rem;color:var(--ink-soft);font-weight:500}
.calc-value{font-family:var(--serif);font-size:1.3rem;color:var(--accent);font-weight:600;letter-spacing:-.01em}
.calc-slider{width:100%;height:6px;border-radius:3px;background:var(--line);outline:none;-webkit-appearance:none;appearance:none;cursor:pointer}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--accent);border-radius:50%;cursor:pointer;box-shadow:0 4px 10px rgba(216,149,71,.4)}
.calc-slider::-moz-range-thumb{width:22px;height:22px;background:var(--accent);border-radius:50%;cursor:pointer;border:none;box-shadow:0 4px 10px rgba(216,149,71,.4)}
.calc-range{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:8px}
.calc-results{background:var(--ink);color:#fff;padding:40px;display:flex;flex-direction:column;justify-content:center}
.calc-results-label{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--amber);margin-bottom:8px}
.calc-monthly{font-family:var(--serif);font-size:3.4rem;font-weight:500;color:#fff;letter-spacing:-.03em;line-height:1;margin-bottom:6px}
.calc-monthly-unit{color:rgba(255,255,255,.6);font-size:.88rem;margin-bottom:32px}
.calc-detail{display:flex;justify-content:space-between;padding:12px 0;border-top:1px solid rgba(255,255,255,.14);font-size:.9rem;color:rgba(255,255,255,.85)}
.calc-detail strong{color:#fff;font-family:var(--serif);font-weight:500}
.calc-note{font-size:.75rem;color:rgba(255,255,255,.5);margin-top:20px;line-height:1.5}

/* ===== REVIEWS ===== */
.tp-summary{display:flex;justify-content:center;align-items:center;gap:24px;padding:24px 32px;background:var(--card);border-radius:var(--radius);margin-bottom:40px;border:1px solid var(--line);max-width:640px;margin-left:auto;margin-right:auto}
.tp-stars{display:flex;gap:3px}
.tp-star{width:22px;height:22px;background:#00B67A;border-radius:3px;display:grid;place-items:center}
.tp-star svg{width:14px;height:14px;color:#fff}
.tp-summary-text{font-size:.92rem;color:var(--ink)}
.tp-summary-text strong{font-family:var(--serif);font-weight:600}
.tp-cards{display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px}
.tp-card{background:var(--card);border-radius:var(--radius);padding:24px;border:1px solid var(--line);display:flex;flex-direction:column}
.tp-card-stars{display:flex;gap:3px;margin-bottom:14px}
.tp-card-stars .tp-star{width:16px;height:16px}
.tp-card-stars .tp-star svg{width:10px;height:10px}
.tp-card h4{font-family:var(--serif);font-size:1.05rem;color:var(--ink);margin-bottom:8px}
.tp-card-body{color:var(--muted);font-size:.9rem;line-height:1.55;margin-bottom:16px;flex-grow:1}
.tp-card-author{font-size:.82rem;color:var(--ink-soft);font-weight:600;padding-top:12px;border-top:1px solid var(--line)}
.tp-card-author span{color:var(--muted);font-weight:400;font-size:.78rem}

/* ===== BLOG ===== */
.blog-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px}
.blog-card{background:var(--card);border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift)}
.blog-cover{aspect-ratio:16/10;overflow:hidden;position:relative;background:linear-gradient(135deg,#B8B078,#5C7D6B)}
.blog-cover img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}
.blog-card:hover .blog-cover img{transform:scale(1.06)}
.blog-cover::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(11,42,36,.15) 100%);pointer-events:none}
.blog-card:nth-child(2) .blog-cover{background:linear-gradient(135deg,#D89547,#B57728)}
.blog-card:nth-child(3) .blog-cover{background:linear-gradient(135deg,#7B9678,#0B4F44)}
.blog-body{padding:24px;flex-grow:1;display:flex;flex-direction:column}
.blog-cat{font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:10px}
.blog-card h3{font-family:var(--serif);font-size:1.15rem;font-weight:600;color:var(--ink);margin-bottom:10px;line-height:1.3}
.blog-card p{color:var(--muted);font-size:.9rem;line-height:1.5;margin-bottom:16px;flex-grow:1}
.blog-link{color:var(--accent);font-weight:600;font-size:.88rem;display:inline-flex;align-items:center;gap:6px}

/* ===== AVATAR / REVIEW AUTHOR ===== */
.tp-card-author{display:flex;align-items:center;gap:12px;padding-top:14px;margin-top:auto;border-top:1px solid var(--line)}
.tp-avatar{width:42px;height:42px;border-radius:50%;object-fit:cover;flex:none;border:2px solid var(--paper-2);background:var(--line-soft)}
.tp-author-text{font-size:.82rem;color:var(--ink-soft);font-weight:600;line-height:1.35}
.tp-author-text span{display:block;color:var(--muted);font-weight:400;font-size:.75rem;margin-top:2px}

/* ===== FOUNDER PHOTO ===== */
.founder-row{display:flex;align-items:center;gap:14px;margin-bottom:22px;position:relative}
.founder-row .about-quote-title{margin-bottom:0}
.founder-row .about-quote-name{margin-bottom:2px}
.founder-photo{width:64px;height:64px;border-radius:50%;object-fit:cover;flex:none;border:3px solid rgba(216,149,71,.35);box-shadow:0 4px 14px rgba(0,0,0,.2)}
.founder-photo-lg{width:96px;height:96px;border-radius:50%;object-fit:cover;flex:none;border:4px solid rgba(216,149,71,.35);box-shadow:0 8px 22px rgba(0,0,0,.25)}

/* ===== TEAM / IMAGE BAND (about page) ===== */
.image-band{position:relative;overflow:hidden;border-radius:var(--radius-lg);aspect-ratio:21/9;background:var(--paper-2)}
.image-band img{width:100%;height:100%;object-fit:cover;display:block}
.image-band-caption{position:absolute;bottom:24px;left:24px;right:24px;color:#fff;font-family:var(--serif);font-size:1.2rem;font-weight:500;text-shadow:0 2px 12px rgba(0,0,0,.6);z-index:1;max-width:520px}
.image-band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,42,36,.6) 0%,rgba(11,42,36,.15) 60%,transparent 100%);pointer-events:none}

/* ===== ELIGIBILITY / PROS-CONS / LISTS ===== */
.check-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px}
.check-list li{display:flex;gap:14px;align-items:flex-start;padding:16px 20px;background:var(--card);border-radius:12px;border:1px solid var(--line)}
.check-list svg{width:20px;height:20px;color:var(--accent);flex:none;margin-top:2px}
.check-list strong{display:block;color:var(--ink);font-weight:600;margin-bottom:3px}
.check-list span{color:var(--muted);font-size:.88rem}

/* ===== RESPONSIVE ===== */
@media (max-width:960px){
  .hero{padding:40px 0 60px}
  .hero::before{background-position:top center}
  .hero-grid,.about-grid{grid-template-columns:1fr;gap:40px}
  .hero-text{padding:32px 24px}
  .hero-form-wrap{position:static}
  .products-grid{grid-template-columns:1fr 1fr;gap:20px}
  .products-grid.three{grid-template-columns:1fr}
  .blog-grid,.tp-cards{grid-template-columns:1fr;gap:24px}
  .pc-grid{grid-template-columns:1fr;gap:20px}
  .product-card.featured{transform:none}
  .product-card.featured:hover{transform:translateY(-4px)}
  .features-grid{grid-template-columns:1fr 1fr;gap:24px}
  .steps-grid{grid-template-columns:1fr;gap:32px}
  .steps-grid::before{display:none}
  .calc-grid{grid-template-columns:1fr}
  .calc-inputs,.calc-results{padding:32px 28px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  section{padding:64px 0}
  .page-hero{padding:48px 0 32px}
  .trust-row{gap:16px;justify-content:flex-start}
}
@media (max-width:640px){
  .nav-links{display:none}
  .nav-cta .btn-ghost{display:none}
  .menu-btn{display:grid;place-items:center;width:40px;height:40px;border-radius:10px;background:rgba(11,42,36,.06)}
  .nav-links[data-open="1"] a{color:var(--ink) !important;font-size:1rem;font-weight:500;padding:14px 0;display:block;width:100%;border-bottom:1px solid rgba(11,79,68,.08)}
  .nav-links[data-open="1"] a:last-child{border-bottom:none}
  .nav-links[data-open="1"] a.active{color:var(--accent) !important}
  .nav-links[data-open="1"] a.active::after{display:none}
  .hero{padding:32px 0 48px;padding-top:32px}
  .hero h1{font-size:2rem}
  .hero-sub{font-size:1rem}
  .hero-ctas{flex-direction:column;align-items:stretch;gap:12px}
  .hero-ctas .btn-primary{width:100%;justify-content:center}
  .hero-ctas .btn-text{text-align:center}
  .page-hero{padding:32px 0 24px}
  .page-hero h1{font-size:2rem}
  .page-hero-lede{font-size:.98rem}
  section{padding:48px 0}
  .features-grid,.products-grid{grid-template-columns:1fr;gap:20px}
  .foot-grid{grid-template-columns:1fr;gap:24px}
  .founder-photo-lg{width:72px;height:72px}
  .image-band{aspect-ratio:4/3}
  .image-band-caption{font-size:1rem;bottom:16px;left:16px;right:16px}
  .mobile-bottom-cta.visible{display:block}
  .scroll-top.visible{display:none}
  footer{padding-bottom:calc(24px + 88px)}
  .btn{min-height:44px}
  .calc-monthly{font-size:2.6rem}
  .tp-summary{flex-direction:column;gap:12px;padding:20px}
  .rates-table th,.rates-table td{padding:12px 14px;font-size:.85rem}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important}
  html{scroll-behavior:auto}
}

/* ============================================================
   ACCESSIBILITY IMPROVEMENTS
   ============================================================ */

/* Skip-to-content link (visible on keyboard focus) */
.skip-link{position:absolute;top:-40px;left:8px;z-index:100;padding:10px 16px;background:var(--ink);color:var(--paper);text-decoration:none;font-weight:600;font-size:.88rem;border-radius:0 0 8px 8px;transition:top .15s}
.skip-link:focus{top:0;outline:2px solid var(--amber);outline-offset:2px}

/* Enhanced focus indicators for keyboard users */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:2px solid var(--amber);outline-offset:2px;border-radius:4px}

/* Respect reduced motion preference */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
}

/* ============================================================
   LEGAL PAGES (privacy, terms, accessibility)
   ============================================================ */
.legal-section{padding:60px 0 100px}
.legal-wrap{display:grid;grid-template-columns:260px 1fr;gap:60px;align-items:start}
.legal-toc{position:sticky;top:calc(var(--header-h) + 20px);background:var(--card);padding:24px 22px;border-radius:14px;border:1px solid var(--line);max-height:calc(100vh - var(--header-h) - 40px);overflow-y:auto}
.legal-toc h3{font-family:var(--serif);font-size:.85rem;font-weight:600;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--line-soft)}
.legal-toc ol{list-style:none;counter-reset:toc;padding:0;margin:0}
.legal-toc li{counter-increment:toc;margin-bottom:6px}
.legal-toc a{display:flex;gap:10px;padding:6px 0;font-size:.85rem;color:var(--ink-soft);text-decoration:none;line-height:1.4;transition:color .15s}
.legal-toc a::before{content:counter(toc) ".";color:var(--muted);font-variant-numeric:tabular-nums;min-width:22px}
.legal-toc a:hover{color:var(--brand);text-decoration:none}

.legal-body{max-width:720px;font-size:1rem;line-height:1.7;color:var(--ink-soft)}
.legal-intro{font-size:1.08rem;color:var(--ink);line-height:1.65;padding:20px 24px;background:var(--paper-2);border-radius:12px;border-left:3px solid var(--accent);margin-bottom:36px}
.legal-body h2{font-family:var(--serif);font-size:1.5rem;font-weight:600;color:var(--ink);margin:40px 0 16px;padding-top:12px;scroll-margin-top:calc(var(--header-h) + 20px);letter-spacing:-.015em}
.legal-body h2:first-of-type{margin-top:0}
.legal-body h3{font-family:var(--serif);font-size:1.1rem;font-weight:600;color:var(--ink);margin:28px 0 10px}
.legal-body p{margin-bottom:14px}
.legal-body ul{margin:12px 0 20px 0;padding-left:22px}
.legal-body li{margin-bottom:8px;line-height:1.65}
.legal-body strong{color:var(--ink);font-weight:600}
.legal-body a{color:var(--brand);text-decoration:underline;text-underline-offset:2px;text-decoration-color:rgba(11,79,68,.35);transition:text-decoration-color .15s}
.legal-body a:hover{text-decoration-color:var(--brand)}
.legal-body code{background:var(--paper-2);padding:2px 6px;border-radius:4px;font-size:.9em;font-family:ui-monospace,Menlo,Consolas,monospace;color:var(--brand-deep)}
.legal-notice{margin-top:48px;padding:20px 24px;background:rgba(216,149,71,.08);border-radius:10px;border-left:3px solid var(--accent);font-size:.9rem;color:var(--ink-soft);line-height:1.6}

/* Breadcrumb (page-hero) */
.crumbs{font-size:.82rem;color:var(--muted);margin-bottom:18px;display:flex;align-items:center;gap:6px;font-weight:500}
.crumbs a{color:var(--muted);text-decoration:none;transition:color .15s}
.crumbs a:hover{color:var(--brand);text-decoration:none}
.crumbs span{opacity:.5}

/* Legal pages responsive */
@media (max-width:960px){
  .legal-wrap{grid-template-columns:1fr;gap:24px}
  .legal-toc{position:relative;top:0;max-height:none}
  .legal-body{max-width:100%}
  .legal-body h2{font-size:1.3rem}
}

/* Blog "Coming soon" pill for placeholder posts */
.blog-link-soon{display:inline-flex;align-items:center;font-weight:600;font-size:.78rem;color:var(--muted);background:var(--paper-2);padding:6px 12px;border-radius:999px;letter-spacing:.02em;border:1px solid var(--line-soft)}