/* Beacon Business Capital — bespoke editorial design system.
   Burgundy + warm sand, serif display (Fraunces). A multi-product MATCHMAKER:
   the hero is a product matcher wired to a tabbed product explorer (SBA / line
   of credit / working capital). Deliberately unlike the rest of the network
   (no slider/typed calculator, no geometric-sans palettes, warm paper bg,
   serif headings, square-bullet labels, near-square buttons, serif wordmark
   lockup with no icon box). Theme tokens (--brand-*) live in css/theme.css. */

:root {
  /* semantic names */
  --wine: var(--brand-primary);
  --wine-deep: var(--brand-primary-deep);
  --wine-soft: var(--brand-primary-soft);
  --rose: var(--brand-accent);
  --rose-bright: var(--brand-accent-bright);
  --rose-soft: var(--brand-accent-soft);
  --sand: var(--brand-bg);
  --sand-deep: var(--brand-surface);
  --ink: var(--brand-ink);
  --taupe: var(--brand-muted);
  --taupe-soft: #a99a93;
  --line: #e7ddcd;
  --line-strong: #d8ccb6;
  --success: #4a7c59;
  --ring: rgba(163, 42, 63, 0.18);

  /* aliases so the shared application-wizard CSS block reads the burgundy theme */
  --indigo: var(--brand-primary);
  --indigo-deep: var(--brand-primary-deep);
  --indigo-soft: var(--brand-primary-soft);
  --aqua: var(--brand-accent);
  --aqua-bright: var(--brand-accent-bright);
  --aqua-soft: var(--brand-accent-soft);
  --surface: var(--brand-surface);
  --muted: var(--brand-muted);
  --muted-soft: #a99a93;

  --shadow-xs: 0 2px 8px rgba(var(--shadow-rgb), 0.06);
  --shadow-sm: 0 6px 18px rgba(var(--shadow-rgb), 0.09);
  --shadow-md: 0 18px 44px rgba(var(--shadow-rgb), 0.14);
  --shadow-lg: 0 34px 90px rgba(var(--shadow-rgb), 0.22);

  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 14px;
  --radius-xl: 18px;
  --btn-radius: 6px;
  --max: 1180px;
  --narrow: 68ch;

  --serif: var(--brand-font-heading);
  --display: var(--brand-font-heading);
  --sans: var(--brand-font-body);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { animation: none !important; transition: none !important; } }

body {
  margin: 0; font-family: var(--sans); font-size: 1.0625rem; line-height: 1.65;
  color: var(--ink); background: var(--sand);
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--wine); text-decoration-thickness: 1px; text-underline-offset: 3px; transition: color 0.15s ease; }
a:hover { color: var(--rose); }
:focus-visible { outline: 2px solid var(--rose); outline-offset: 3px; border-radius: 4px; }

.skip-link { position: absolute; left: -999px; top: 0.75rem; padding: 0.5rem 1rem; background: var(--wine); color: #fff; z-index: 100; border-radius: 6px; }
.skip-link:focus { left: 0.75rem; }

/* ---------- Header + serif wordmark lockup (no icon box) ---------- */

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(251, 247, 240, 0.86);
  backdrop-filter: saturate(140%) blur(12px); -webkit-backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner { max-width: var(--max); margin: 0 auto; padding: 0.95rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.logo { display: inline-flex; align-items: center; gap: 0.65rem; text-decoration: none; }
.logo-name { font-family: var(--serif); font-weight: 600; font-size: 1.5rem; letter-spacing: -0.01em; color: var(--ink); line-height: 1; }
.logo-sub { font-family: var(--sans); font-size: 0.6rem; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: var(--taupe); border-left: 1px solid var(--line-strong); padding-left: 0.6rem; max-width: 7ch; line-height: 1.25; }

.nav-toggle { display: none; border: 1px solid var(--line-strong); background: #fff; border-radius: 6px; padding: 0.45rem 0.9rem; font: inherit; font-size: 0.92rem; cursor: pointer; color: var(--ink); }
.nav { display: flex; align-items: center; gap: 1.6rem; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: 0.95rem; position: relative; }
.nav a:not(.nav-cta)::after { content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; background: var(--rose); transform: scaleX(0); transform-origin: left; transition: transform 0.2s ease; }
.nav a:not(.nav-cta):hover { color: var(--wine); }
.nav a:not(.nav-cta):hover::after, .nav a[aria-current="page"]:not(.nav-cta)::after { transform: scaleX(1); }
.nav-cta { background: var(--wine); color: #fff !important; padding: 0.6rem 1.15rem; border-radius: var(--btn-radius); text-decoration: none !important; font-weight: 600; transition: background 0.15s ease, transform 0.15s ease; }
.nav-cta:hover { background: var(--wine-deep); transform: translateY(-1px); color: #fff !important; }

@media (max-width: 880px) {
  .nav-toggle { display: inline-flex; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; padding: 1rem 1.5rem 1.25rem; background: var(--sand); border-bottom: 1px solid var(--line); gap: 0; display: none; }
  .nav.is-open { display: flex; }
  .nav a { padding: 0.75rem 0; border-bottom: 1px solid var(--line); }
  .nav a:not(.nav-cta)::after { display: none; }
  .nav a:last-child { border-bottom: none; margin-top: 0.6rem; text-align: center; }
}

/* ---------- Layout & type ---------- */

main { display: block; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 1.5rem; }
.container-narrow { max-width: 900px; }
.section { padding: 5rem 0; }
@media (max-width: 720px) { .section { padding: 3.5rem 0; } }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; letter-spacing: -0.01em; color: var(--ink); margin: 0 0 0.85rem; }
h1 { font-size: clamp(2.6rem, 6vw, 4.3rem); line-height: 1.02; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); line-height: 1.1; }
h3 { font-size: 1.3rem; line-height: 1.3; }
.lede { font-size: 1.2rem; color: var(--taupe); max-width: var(--narrow); margin: 0 0 1.75rem; line-height: 1.6; }

.section-intro { display: grid; gap: 1rem; max-width: 70ch; margin: 0 0 3rem; }
.section-intro p { color: var(--taupe); margin: 0; font-size: 1.08rem; }
.section-head { display: flex; align-items: end; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-bottom: 2rem; }
.section-head h2 { margin: 0; }
.section-head .link { font-weight: 600; font-size: 0.95rem; color: var(--wine); text-decoration: none; }
.section-head .link::after { content: " \2192"; }

/* square-bullet label (replaces dash eyebrows / numbered kicks) */
.tag { display: inline-flex; align-items: center; gap: 0.6rem; font-family: var(--sans); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--wine); margin: 0 0 1rem; }
.tag::before { content: ""; width: 9px; height: 9px; background: var(--rose); display: inline-block; }

.section-bg-deep { background: var(--sand-deep); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.accent-text { color: var(--wine); font-style: italic; }

/* ---------- Buttons (near-square) ---------- */

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.9rem 1.6rem; border-radius: var(--btn-radius); font-family: var(--sans); font-weight: 600; font-size: 0.98rem; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: transform 0.15s ease, background 0.15s ease, color 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease; white-space: nowrap; }
.btn-primary { background: var(--wine); color: #fff; box-shadow: 0 8px 20px rgba(var(--shadow-rgb), 0.22); }
.btn-primary:hover { background: var(--wine-deep); color: #fff; transform: translateY(-2px); }
.btn-gold { background: var(--rose); color: #fff; }
.btn-gold:hover { background: var(--rose-bright); color: #fff; transform: translateY(-2px); }
.btn-secondary { background: transparent; color: var(--wine); border-color: var(--line-strong); }
.btn-secondary:hover { border-color: var(--wine); color: var(--wine); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.45); }
.btn-ghost:hover { background: #fff; color: var(--wine); border-color: #fff; }
.btn-block { width: 100%; }
.btn-lg { padding: 1.05rem 2rem; font-size: 1.05rem; }
.btn-arrow::after { content: "\2192"; font-weight: 400; transition: transform 0.2s ease; }
.btn:hover .btn-arrow::after, .btn-arrow:hover::after { transform: translateX(3px); }

/* ---------- Hero (matcher) ---------- */

.hero-b {
  position: relative; overflow: hidden;
  background: radial-gradient(900px 480px at 80% -10%, var(--rose-soft), transparent 60%), linear-gradient(180deg, var(--sand-deep) 0%, var(--sand) 70%);
  border-bottom: 1px solid var(--line);
  padding: 4.5rem 0 4rem;
}
.hero-b-inner { max-width: 960px; margin: 0 auto; padding: 0 1.5rem; text-align: center; }
.hero-b h1 { font-size: clamp(2.7rem, 6vw, 4.3rem); }
.hero-b .lede { font-size: 1.22rem; max-width: 56ch; margin: 1.25rem auto 0; color: var(--taupe); }

/* Two-column hero: copy left, matcher right (left-aligned) */
.hero-b-grid { max-width: var(--max); margin: 0 auto; padding: 0 1.5rem; display: grid; gap: 3rem; align-items: center; text-align: left; }
@media (min-width: 980px) { .hero-b-grid { grid-template-columns: 1.05fr 0.95fr; gap: 3.5rem; } }
.hero-b-grid h1 { font-size: clamp(2.4rem, 4.6vw, 3.7rem); }
.hero-b-grid .lede { font-size: 1.15rem; max-width: 46ch; margin: 1.25rem 0 0; color: var(--taupe); }
.hero-b-grid .matcher { margin: 0; max-width: none; }

.matcher { background: #fff; border: 1px solid var(--line-strong); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 1.85rem; max-width: 760px; margin: 2.5rem auto 0; text-align: left; }
.matcher-q { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; margin: 0 0 1.1rem; color: var(--ink); }
.matcher-opts { display: grid; gap: 0.7rem; grid-template-columns: 1fr; }
@media (min-width: 680px) { .matcher-opts { grid-template-columns: 1fr 1fr; } }
.matcher-opt { display: flex; align-items: center; gap: 0.85rem; text-align: left; background: var(--sand); border: 1px solid var(--line-strong); border-radius: var(--radius-sm); padding: 0.95rem 1.1rem; font: inherit; font-size: 1rem; color: var(--ink); cursor: pointer; transition: border-color 0.15s ease, background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease; }
.matcher-opt:hover { border-color: var(--wine); background: #fff; transform: translateY(-1px); box-shadow: var(--shadow-xs); }
.matcher-opt.is-active { border-color: var(--wine); background: #fff; box-shadow: inset 0 0 0 1px var(--wine); }
.matcher-opt .mo-ic { width: 34px; height: 34px; flex-shrink: 0; border-radius: 7px; background: var(--rose-soft); color: var(--wine); display: inline-flex; align-items: center; justify-content: center; }
.matcher-opt .mo-ic svg { width: 19px; height: 19px; }
.matcher-result { margin-top: 1.3rem; padding: 1.1rem 1.3rem; border-left: 3px solid var(--rose); background: var(--rose-soft); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; font-size: 1rem; color: var(--ink); display: none; }
.matcher-result.is-active { display: block; }
.matcher-result b { color: var(--wine); }
.matcher-result a { font-weight: 600; }

/* ---------- Tabbed product explorer ---------- */

.explorer { margin-top: 1rem; }
.explorer-tabs { display: flex; flex-wrap: wrap; gap: 0.25rem; border-bottom: 2px solid var(--line); }
.explorer-tab { background: none; border: none; border-bottom: 2px solid transparent; margin-bottom: -2px; padding: 0.9rem 1.2rem; font-family: var(--serif); font-size: 1.1rem; font-weight: 600; color: var(--taupe); cursor: pointer; transition: color 0.15s ease, border-color 0.15s ease; }
.explorer-tab:hover { color: var(--wine); }
.explorer-tab.is-active { color: var(--wine); border-bottom-color: var(--wine); }
.explorer-panel { display: none; padding: 2.25rem 0 0; }
.explorer-panel.is-active { display: block; animation: epFade 0.3s ease; }
@keyframes epFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
.ep-grid { display: grid; gap: 2.5rem; align-items: start; }
@media (min-width: 880px) { .ep-grid { grid-template-columns: 1.25fr 0.75fr; } }
.ep-body h3 { font-size: 1.7rem; margin: 0 0 0.85rem; }
.ep-body p { color: var(--taupe); margin: 0 0 1.25rem; }
.ep-aside { background: var(--sand-deep); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.6rem 1.7rem; }
.ep-aside dl { margin: 0; display: grid; gap: 0.9rem; }
.ep-aside dt { font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--taupe); font-weight: 700; }
.ep-aside dd { margin: 0.1rem 0 0; font-family: var(--serif); font-size: 1.15rem; font-weight: 600; color: var(--wine); }

/* ---------- Decision guide table ---------- */

.guide-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin-top: 2.5rem; border: 1px solid var(--line); border-radius: var(--radius-lg); }
.guide-table { width: 100%; border-collapse: collapse; min-width: 620px; }
.guide-table th, .guide-table td { text-align: left; padding: 1.1rem 1.25rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.guide-table thead th { font-family: var(--sans); font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--taupe); font-weight: 700; background: var(--sand-deep); }
.guide-table tbody td:first-child { font-weight: 600; color: var(--ink); width: 38%; }
.guide-table .gt-prod { font-family: var(--serif); color: var(--wine); font-weight: 600; }
.guide-table tbody tr:last-child td { border-bottom: none; }

/* ---------- Editorial split + pull-quote ---------- */

.split { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } .split-wide { grid-template-columns: 1.15fr 0.85fr; } }
.list-plain { list-style: none; margin: 1.25rem 0 0; padding: 0; display: grid; gap: 0.85rem; }
.list-plain li { display: grid; grid-template-columns: 14px 1fr; gap: 0.75rem; font-size: 1rem; color: var(--ink); }
.list-plain li::before { content: ""; width: 8px; height: 8px; margin-top: 0.5rem; background: var(--rose); }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); }
.aside-card h3 { margin: 0 0 1rem; }

.pullquote { max-width: 62ch; margin: 0 auto; text-align: center; }
.pullquote blockquote { font-family: var(--serif); font-size: clamp(1.6rem, 3.6vw, 2.4rem); line-height: 1.25; font-weight: 500; font-style: italic; color: var(--ink); margin: 0; }
.pullquote blockquote::before { content: "\201C"; color: var(--rose); }
.pullquote blockquote::after { content: "\201D"; color: var(--rose); }
.pullquote .pq-who { margin-top: 1.25rem; font-size: 0.86rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--taupe); font-weight: 600; }

/* ---------- Q&A grid ---------- */

.qa-grid { display: grid; gap: 2rem 2.5rem; margin-top: 2.5rem; }
@media (min-width: 760px) { .qa-grid { grid-template-columns: 1fr 1fr; } }
.qa h3 { font-size: 1.12rem; margin: 0 0 0.4rem; }
.qa p { margin: 0; color: var(--taupe); font-size: 0.98rem; line-height: 1.6; }

/* ---------- Figures (static, no count-up) ---------- */

.figures { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); margin-top: 2.5rem; }
.figure strong { display: block; font-family: var(--serif); font-size: clamp(2rem, 3.4vw, 2.8rem); color: var(--wine); font-weight: 600; }
.figure span { display: block; color: var(--taupe); font-size: 0.95rem; margin-top: 0.35rem; }

/* ---------- Results / case studies ---------- */
.case-grid { display: grid; gap: 1.5rem; margin-top: 2.5rem; grid-template-columns: 1fr; }
@media (min-width: 760px) { .case-grid { grid-template-columns: repeat(2, 1fr); } }
.case-card { background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--rose); border-radius: var(--radius-lg); padding: 1.7rem 1.8rem; }
.case-metric { font-family: var(--serif); font-size: 1.9rem; font-weight: 600; color: var(--wine); letter-spacing: -0.01em; line-height: 1.1; }
.case-sub { font-size: 0.76rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--taupe); font-weight: 700; margin-bottom: 0.85rem; }
.case-card h3 { font-size: 1.2rem; margin: 0 0 0.4rem; }
.case-card p { color: var(--taupe); margin: 0; font-size: 0.97rem; line-height: 1.6; }

/* ---------- News ---------- */
.news-grid { display: grid; gap: 1.5rem; margin-top: 2.5rem; grid-template-columns: 1fr; }
@media (min-width: 760px) { .news-grid { grid-template-columns: repeat(3, 1fr); } }
.news-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.6rem 1.7rem; text-decoration: none; color: inherit; transition: transform 0.18s ease, box-shadow 0.18s ease; }
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); color: inherit; }
.news-card .news-meta { font-family: var(--sans); font-size: 0.72rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--rose); font-weight: 700; margin-bottom: 0.6rem; }
.news-card h3 { font-size: 1.18rem; margin: 0 0 0.5rem; line-height: 1.3; }
.news-card p { color: var(--taupe); margin: 0 0 1rem; font-size: 0.95rem; }
.news-card .news-more { margin-top: auto; font-weight: 600; color: var(--wine); font-size: 0.92rem; font-family: var(--sans); }
.news-list { list-style: none; margin: 2.5rem 0 0; padding: 0; border-top: 1px solid var(--line); }
.news-list li { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--line); }
.news-list a { font-weight: 600; color: var(--ink); text-decoration: none; }
.news-list a:hover { color: var(--wine); }
.news-list .nl-date { color: var(--taupe); font-size: 0.85rem; white-space: nowrap; }

/* ---------- Article ---------- */
.article { max-width: 720px; margin: 0 auto; }
.article-meta { font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--rose); font-weight: 700; margin: 0 0 0.75rem; }
.article-body { font-size: 1.1rem; line-height: 1.8; color: var(--ink); }
.article-body p { margin: 0 0 1.25rem; }
.article-body h2 { font-family: var(--serif); font-size: 1.55rem; margin: 2.25rem 0 0.75rem; }
.article-back { display: inline-block; margin-top: 1.75rem; font-weight: 600; }

/* ---------- Team (about) ---------- */

.team-grid { display: grid; gap: 1.75rem; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); margin-top: 2.5rem; }
.team-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; transition: transform 0.2s ease, box-shadow 0.2s ease; }
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.team-photo { aspect-ratio: 1 / 1; background: linear-gradient(140deg, var(--wine) 0%, var(--wine-soft) 100%); display: flex; align-items: center; justify-content: center; }
.avatar-initials { font-family: var(--serif); font-size: 2.6rem; font-weight: 600; color: #fff; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.team-body { padding: 1.3rem 1.45rem 1.5rem; }
.team-body h3 { margin: 0 0 0.2rem; font-size: 1.14rem; }
.team-role { display: block; font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--rose); font-weight: 700; margin-bottom: 0.7rem; }
.team-bio { font-size: 0.94rem; color: var(--taupe); margin: 0; line-height: 1.6; }

/* ---------- Contact ---------- */

.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2rem 1.85rem; }
.contact-card h3 { margin: 0 0 0.4rem; }
.contact-row { display: flex; align-items: center; gap: 1rem; margin-top: 1.25rem; }
.contact-row strong { display: block; }
.contact-row span { color: var(--taupe); font-size: 0.92rem; }
.grid-2 { display: grid; gap: 1.5rem; }
@media (min-width: 720px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.7rem 1.6rem; }
.card h3 { margin: 0 0 0.5rem; }
.card p { color: var(--taupe); margin: 0; font-size: 0.98rem; }
.card-tag { display: inline-block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--rose); margin-bottom: 0.6rem; }

/* ---------- CTA band ---------- */

.cta-band { background: radial-gradient(620px 360px at 85% 0%, rgba(194, 56, 79, 0.30), transparent 65%), linear-gradient(150deg, var(--wine-deep) 0%, var(--wine) 100%); color: #fff; }
.cta-band-inner { max-width: 760px; margin: 0 auto; padding: 4.75rem 1.5rem; text-align: center; }
.cta-band h2 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); margin: 0 0 0.85rem; }
.cta-band p { color: rgba(255, 255, 255, 0.84); margin: 0 auto 1.75rem; font-size: 1.1rem; max-width: 52ch; }
.cta-band-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; justify-content: center; }

/* ---------- Page hero (secondary pages) ---------- */

.page-hero { background: radial-gradient(820px 460px at 100% 0%, var(--rose-soft), transparent 60%), linear-gradient(180deg, var(--sand-deep) 0%, var(--sand) 100%); border-bottom: 1px solid var(--line); }
.page-hero-inner { max-width: var(--max); margin: 0 auto; padding: 4.5rem 1.5rem 3rem; }
.page-hero h1 { font-size: clamp(2.3rem, 4.6vw, 3.6rem); margin: 0 0 1rem; }
.page-hero p { color: var(--taupe); font-size: 1.18rem; max-width: 64ch; margin: 0; }

/* ---------- Utilities + reveal ---------- */

.muted { color: var(--taupe); }
.center { text-align: center; }
.mt-2 { margin-top: 1rem; } .mt-3 { margin-top: 1.5rem; } .mt-4 { margin-top: 2rem; }
[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity 0.7s ease, transform 0.7s cubic-bezier(0.2, 0.7, 0.2, 1); will-change: opacity, transform; }
[data-reveal].is-revealed { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) { [data-reveal] { opacity: 1; transform: none; transition: none; } }

/* ===================================================================
   Application wizard — shared engine UI (class contract = shared apply.html).
   Colors via the alias variables above, so it renders in the burgundy theme.
   =================================================================== */

.apply-container { max-width: 1180px; }
.apply-hero { background: radial-gradient(820px 380px at 100% 0%, var(--aqua-soft), transparent 60%), linear-gradient(180deg, var(--surface) 0%, var(--sand) 100%); padding: 1.5rem 0 3.5rem; border-bottom: 1px solid var(--line); }
@media (min-width: 720px) { .apply-hero { padding: 2rem 0 4.5rem; } }
.apply-hero-head { max-width: 64ch; margin: 0 auto 1.5rem; }
.apply-hero-head h1 { font-size: clamp(1.95rem, 3.6vw, 2.6rem); line-height: 1.08; margin: 0.35rem 0 0.55rem; }
.apply-hero-lede { color: var(--muted); font-size: 1rem; line-height: 1.55; margin: 0; }
.eyebrow { font-family: var(--sans); text-transform: uppercase; letter-spacing: 0.14em; font-size: 0.74rem; font-weight: 700; color: var(--wine); margin: 0 0 1rem; }
.eyebrow-line { display: inline-flex; align-items: center; gap: 0.6rem; }
.eyebrow-line::before { content: ""; width: 9px; height: 9px; background: var(--rose); display: inline-block; }

.applyform { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-xl); box-shadow: var(--shadow-md); position: relative; overflow: hidden; }
.applyform::before { content: ""; position: absolute; inset: 0; background: radial-gradient(720px 220px at 100% 0%, rgba(163, 42, 63, 0.08), transparent 70%), radial-gradient(520px 240px at 0% 100%, rgba(var(--shadow-rgb), 0.05), transparent 70%); pointer-events: none; }
.applyform-inner { position: relative; padding: 1.5rem 1.4rem 1.75rem; min-height: 460px; display: flex; flex-direction: column; }
@media (min-width: 720px) { .applyform-inner { padding: 1.85rem 2.25rem 2.1rem; min-height: 490px; } }
@media (min-width: 1000px) { .applyform-inner { padding: 2rem 2.75rem 2.25rem; min-height: 510px; } }
.applyform-progress { display: flex; align-items: center; gap: 1rem; margin: 0 auto 1.25rem; width: 100%; max-width: 860px; }
.applyform-progress-bar { flex: 1; height: 6px; background: rgba(var(--shadow-rgb), 0.12); border-radius: 999px; overflow: hidden; position: relative; }
.applyform-progress-fill { position: absolute; inset: 0; width: 0%; background: linear-gradient(90deg, var(--wine) 0%, var(--rose) 100%); border-radius: 999px; transition: width 0.5s cubic-bezier(0.2, 0.7, 0.2, 1); }
.applyform-progress-label { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); white-space: nowrap; font-variant-numeric: tabular-nums; }
.applyform-stage { flex: 1; display: flex; flex-direction: column; position: relative; width: 100%; max-width: 860px; margin-left: auto; margin-right: auto; }
.applyform-step { display: none; flex-direction: column; gap: 1rem; animation: applyStepIn 0.45s cubic-bezier(0.2, 0.7, 0.2, 1); }
.applyform-step.is-active { display: flex; }
@keyframes applyStepIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
.applyform-step-num { font-family: var(--serif); font-style: italic; font-size: 0.95rem; color: var(--rose); font-weight: 600; }
.applyform-step h3 { font-family: var(--serif); font-size: clamp(1.5rem, 2.8vw, 1.9rem); font-weight: 600; line-height: 1.15; margin: 0.2rem 0 0; color: var(--ink); }
.applyform-help { margin: 0; color: var(--muted); font-size: 1rem; line-height: 1.6; max-width: 60ch; }
.applyform-required { color: var(--rose); margin-left: 0.25rem; }
.applyform-input, .applyform-textarea, .applyform-select { width: 100%; background: #fff; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); padding: 0.95rem 1.05rem; font: inherit; font-size: 1.05rem; color: var(--ink); transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.applyform-textarea { min-height: 130px; resize: vertical; line-height: 1.55; }
.applyform-input:focus, .applyform-textarea:focus, .applyform-select:focus { outline: none; border-color: var(--rose); box-shadow: 0 0 0 4px var(--ring); }
.applyform-input.is-locked, .applyform-select.is-locked, .applyform-textarea.is-locked { background: var(--surface); color: var(--muted); border-style: dashed; pointer-events: none; }
.applyform-input::placeholder, .applyform-textarea::placeholder { color: var(--muted-soft); }
.applyform-select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%237d6a66' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 1rem center; background-size: 14px; padding-right: 2.6rem; }
.applyform-options { display: grid; gap: 0.7rem; margin: 0; padding: 0; }
.applyform-option { display: flex; align-items: center; gap: 0.85rem; background: #fff; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); padding: 1rem 1.1rem; cursor: pointer; font-size: 1rem; color: var(--ink); transition: border-color 0.15s ease, background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease; position: relative; user-select: none; }
.applyform-option:hover { border-color: var(--rose); transform: translateY(-1px); box-shadow: var(--shadow-xs); }
.applyform-option input { position: absolute; opacity: 0; pointer-events: none; }
.applyform-option-key { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 6px; border: 1px solid var(--line-strong); font-family: var(--serif); font-size: 0.82rem; font-weight: 700; color: var(--muted); background: var(--surface); transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease; flex-shrink: 0; }
.applyform-option-text { flex: 1; line-height: 1.4; }
.applyform-option:has(input:checked), .applyform-option.is-checked { border-color: var(--wine); background: linear-gradient(180deg, #fff 0%, var(--rose-soft) 100%); box-shadow: 0 8px 22px rgba(var(--shadow-rgb), 0.10); }
.applyform-option:has(input:checked) .applyform-option-key, .applyform-option.is-checked .applyform-option-key { background: var(--wine); color: #fff; border-color: var(--wine); }
.applyform-slider-wrap { background: #fff; border: 1px solid var(--line-strong); border-radius: var(--radius-lg); padding: 1.4rem 1.4rem 1.2rem; box-shadow: var(--shadow-xs); }
.applyform-slider-display { text-align: center; margin-bottom: 1.4rem; }
.applyform-slider-value { font-family: var(--serif); font-size: clamp(2.4rem, 6vw, 3.4rem); font-weight: 600; letter-spacing: -0.01em; color: var(--wine); line-height: 1; font-variant-numeric: tabular-nums; display: inline-block; }
.applyform-slider-caption { display: block; font-size: 0.82rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-top: 0.55rem; }
.applyform-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 999px; background: linear-gradient(to right, var(--rose) 0%, var(--rose) var(--applyform-slider-pct, 30%), rgba(var(--shadow-rgb), 0.14) var(--applyform-slider-pct, 30%), rgba(var(--shadow-rgb), 0.14) 100%); outline: none; margin: 0.5rem 0 0.85rem; cursor: pointer; }
.applyform-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 3px solid var(--wine); cursor: grab; box-shadow: 0 4px 14px rgba(var(--shadow-rgb), 0.25); transition: transform 0.15s ease, border-color 0.15s ease; }
.applyform-slider:focus::-webkit-slider-thumb, .applyform-slider:hover::-webkit-slider-thumb { transform: scale(1.08); border-color: var(--rose); }
.applyform-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--wine); cursor: grab; box-shadow: 0 4px 14px rgba(var(--shadow-rgb), 0.25); }
.applyform-slider-ticks { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--muted); font-weight: 500; font-variant-numeric: tabular-nums; margin-top: 0.25rem; }
.applyform-error { color: #b3261e; font-size: 0.92rem; font-weight: 500; margin: 0; min-height: 1.25rem; }
.applyform-nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: 1.1rem; margin: 1rem auto 0; width: 100%; max-width: 860px; border-top: 1px solid var(--line); }
.applyform-nav-hint { font-size: 0.82rem; color: var(--muted); display: none; }
@media (min-width: 720px) { .applyform-nav-hint { display: inline-flex; align-items: center; gap: 0.4rem; } }
.applyform-nav-hint kbd { font-family: var(--sans); font-size: 0.74rem; background: #fff; border: 1px solid var(--line-strong); border-radius: 5px; padding: 0.1rem 0.45rem; color: var(--wine); font-weight: 600; box-shadow: 0 1px 0 var(--line-strong); }
.applyform-btn { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.85rem 1.6rem; border-radius: var(--btn-radius); border: 1px solid transparent; font: inherit; font-size: 0.98rem; font-weight: 600; cursor: pointer; background: var(--wine); color: #fff; transition: background 0.15s ease, color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease, opacity 0.15s ease; white-space: nowrap; }
.applyform-btn:hover { background: var(--wine-deep); color: #fff; transform: translateY(-1px); }
.applyform-btn[disabled] { opacity: 0.45; cursor: not-allowed; transform: none; box-shadow: none; }
.applyform-btn-back { background: transparent; color: var(--muted); border-color: var(--line-strong); }
.applyform-btn-back:hover { background: var(--surface); color: var(--wine); border-color: var(--wine); }
.applyform-btn-arrow::after { content: "\2192"; transition: transform 0.2s ease; }
.applyform-btn:hover .applyform-btn-arrow::after, .applyform-btn-arrow:hover::after { transform: translateX(3px); }
.applyform-review { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1.25rem 1.4rem; display: grid; gap: 0.65rem; }
.applyform-review-row { display: grid; gap: 0.15rem; padding: 0.55rem 0; border-bottom: 1px dashed var(--line); }
.applyform-review-row:last-child { border-bottom: none; }
.applyform-review-label { font-size: 0.74rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--rose); }
.applyform-review-value { font-size: 1rem; color: var(--ink); word-break: break-word; }
.applyform-state { display: none; flex-direction: column; align-items: center; text-align: center; padding: 2.5rem 1rem 1rem; gap: 0.85rem; }
.applyform-state.is-active { display: flex; }
.applyform-state h3 { font-family: var(--serif); font-size: clamp(1.7rem, 3vw, 2.2rem); font-weight: 600; margin: 0; }
.applyform-state p { color: var(--muted); margin: 0; max-width: 50ch; font-size: 1.02rem; }
.applyform-spinner { width: 44px; height: 44px; border-radius: 50%; border: 3px solid rgba(var(--shadow-rgb), 0.16); border-top-color: var(--rose); animation: applySpin 0.9s linear infinite; margin-bottom: 0.5rem; }
@keyframes applySpin { to { transform: rotate(360deg); } }
.applyform-check { width: 64px; height: 64px; border-radius: 50%; background: linear-gradient(135deg, var(--wine) 0%, var(--wine-soft) 100%); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-size: 1.85rem; margin-bottom: 0.5rem; box-shadow: 0 14px 30px rgba(var(--shadow-rgb), 0.24); animation: applyPop 0.5s cubic-bezier(0.2, 1.4, 0.4, 1); }
@keyframes applyPop { from { transform: scale(0.4); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.applyform-state .applyform-btn { margin-top: 0.5rem; }
.applyform-banner { background: #fdecea; border: 1px solid #f5b7b1; color: #922b21; padding: 0.85rem 1rem; border-radius: var(--radius-sm); font-size: 0.95rem; margin-top: 1rem; display: none; }
.applyform-banner.is-active { display: block; }
.applyform-banner a { color: #922b21; font-weight: 600; }
.applyform-grid { display: grid; gap: 0.85rem; grid-template-columns: 1fr; }
@media (min-width: 640px) {
  .applyform-grid-2 { grid-template-columns: 1fr 1fr; }
  .applyform-grid-3 { grid-template-columns: 1fr 1fr 1fr; }
  .applyform-grid-address { grid-template-columns: 2fr 1.4fr; grid-template-areas: "street street" "city state" "zip zip"; }
  .applyform-grid-address > .field-street { grid-area: street; }
  .applyform-grid-address > .field-city { grid-area: city; }
  .applyform-grid-address > .field-state { grid-area: state; }
  .applyform-grid-address > .field-zip { grid-area: zip; }
}
.applyform-field { display: flex; flex-direction: column; gap: 0.4rem; }
.applyform-label { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
.applyform-section-tag { display: inline-flex; align-items: center; gap: 0.55rem; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--rose); margin-bottom: -0.5rem; }
.applyform-section-tag::before { content: ""; width: 9px; height: 9px; background: var(--rose); }
.applyform-input[type="date"] { font-family: inherit; color: var(--ink); }
.applyform-input[type="date"]::-webkit-calendar-picker-indicator { cursor: pointer; opacity: 0.55; }
.applyform-input[type="date"]:hover::-webkit-calendar-picker-indicator { opacity: 1; }
.applyform-toggle { display: inline-flex; align-items: center; gap: 0.6rem; font-size: 0.95rem; color: var(--muted); cursor: pointer; user-select: none; margin-top: 0.25rem; }
.applyform-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.applyform-toggle-box { width: 20px; height: 20px; border-radius: 5px; border: 1.5px solid var(--line-strong); background: #fff; display: inline-flex; align-items: center; justify-content: center; color: transparent; font-size: 0.85rem; font-weight: 700; transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease; flex-shrink: 0; }
.applyform-toggle:has(input:checked) .applyform-toggle-box { background: var(--wine); border-color: var(--wine); color: #fff; }
.applyform-toggle:has(input:checked) .applyform-toggle-box::before { content: "\2713"; }
.applyform-dropzone { position: relative; display: flex; align-items: center; gap: 1.1rem; background: #fff; border: 1.5px dashed var(--line-strong); border-radius: var(--radius-sm); padding: 1.4rem 1.4rem; cursor: pointer; transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease; }
.applyform-dropzone:hover { border-color: var(--rose); background: var(--rose-soft); }
.applyform-dropzone.is-dragging { border-color: var(--wine); border-style: solid; background: var(--rose-soft); box-shadow: 0 0 0 4px rgba(var(--shadow-rgb), 0.08); transform: translateY(-1px); }
.applyform-dropzone.has-files { border-style: solid; border-color: var(--line-strong); }
.applyform-dropzone input[type="file"] { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; }
.applyform-dropzone-icon { width: 44px; height: 44px; flex-shrink: 0; border-radius: 10px; background: linear-gradient(135deg, var(--wine) 0%, var(--wine-soft) 100%); color: #fff; display: inline-flex; align-items: center; justify-content: center; }
.applyform-dropzone-text { flex: 1; display: flex; flex-direction: column; gap: 0.2rem; font-size: 0.98rem; color: var(--ink); line-height: 1.5; }
.applyform-dropzone-text strong { font-weight: 600; }
.applyform-dropzone-hint { font-size: 0.84rem; color: var(--muted); font-weight: 500; }
.applyform-filelist { list-style: none; margin: 0.85rem 0 0; padding: 0; display: grid; gap: 0.55rem; }
.applyform-filelist-item { display: flex; align-items: center; gap: 0.7rem; background: #eef6f0; border: 1px solid #cfe3d5; border-radius: var(--radius-sm); padding: 0.7rem 0.9rem; font-size: 0.95rem; color: var(--ink); animation: applyFilePop 0.25s cubic-bezier(0.2, 1.2, 0.4, 1); }
@keyframes applyFilePop { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: translateY(0); } }
.applyform-filelist-icon { display: inline-flex; align-items: center; justify-content: center; width: 28px; height: 28px; flex-shrink: 0; border-radius: 7px; background: var(--success); color: #fff; }
.applyform-filelist-name { flex: 1; min-width: 0; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; font-weight: 500; }
.applyform-filelist-size { font-size: 0.84rem; color: var(--muted); font-variant-numeric: tabular-nums; white-space: nowrap; }
.applyform-filelist-remove { appearance: none; border: none; background: transparent; color: var(--muted); font-size: 1.4rem; line-height: 1; cursor: pointer; padding: 0 0.25rem; border-radius: 6px; transition: color 0.15s ease, background 0.15s ease; }
.applyform-filelist-remove:hover { color: #b3261e; background: rgba(179, 38, 30, 0.08); }
.applyform-legal { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1rem 1.1rem; font-size: 0.93rem; line-height: 1.55; color: var(--muted); max-height: 180px; overflow-y: auto; }
.applyform-privacy { display: flex; gap: 0.65rem; align-items: flex-start; background: var(--rose-soft); border: 1px solid var(--line-strong); border-radius: var(--radius-sm); padding: 0.75rem 0.95rem; font-size: 0.88rem; color: var(--muted); line-height: 1.5; }
.applyform-privacy::before { content: ""; width: 18px; height: 18px; flex-shrink: 0; margin-top: 1px; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236d1f2c' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='11' width='18' height='11' rx='2' ry='2'%3E%3C/rect%3E%3Cpath d='M7 11V7a5 5 0 0 1 10 0v4'%3E%3C/path%3E%3C/svg%3E"); background-repeat: no-repeat; background-size: contain; }
.apply-trust { margin-top: 2.75rem; display: grid; gap: 1.1rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .apply-trust { grid-template-columns: 1fr 1fr; } }
@media (min-width: 980px) { .apply-trust { grid-template-columns: repeat(4, 1fr); gap: 1.25rem; } }
.apply-trust-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem 1.3rem 1.5rem; transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease; }
.apply-trust-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); border-color: transparent; }
.apply-trust-card .card-tag { margin-bottom: 0.5rem; }
.apply-trust-card h3 { margin: 0 0 0.5rem; font-size: 1.05rem; }
.apply-trust-card p { color: var(--muted); margin: 0; font-size: 0.92rem; line-height: 1.55; }
.faq dl { margin: 0; }
.faq dt { font-weight: 700; font-size: 1.02rem; color: var(--ink); margin-top: 1.5rem; font-family: var(--serif); }
.faq dt:first-child { margin-top: 0; }
.faq dd { margin: 0.4rem 0 0; color: var(--muted); font-size: 0.98rem; line-height: 1.65; }
.cta-banner { position: relative; background: radial-gradient(620px 360px at 88% 0%, rgba(194, 56, 79, 0.26), transparent 65%), linear-gradient(135deg, var(--wine-deep) 0%, var(--wine) 100%); color: #fff; }
.cta-banner-inner { max-width: var(--max); margin: 0 auto; padding: 4.5rem 1.5rem; display: grid; gap: 2rem; align-items: center; }
@media (min-width: 800px) { .cta-banner-inner { grid-template-columns: 1.4fr 1fr; gap: 3rem; } }
.cta-banner h2 { color: #fff; margin: 0 0 0.85rem; font-size: clamp(1.9rem, 3.5vw, 2.5rem); }
.cta-banner p { color: rgba(255, 255, 255, 0.82); margin: 0; font-size: 1.08rem; }
.cta-banner .eyebrow { color: var(--rose-bright); }
.cta-banner-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; }
@media (min-width: 800px) { .cta-banner-actions { justify-content: flex-end; } }

/* ---------- Footer ---------- */

.site-footer { background: var(--wine-deep); color: rgba(255, 255, 255, 0.75); padding: 4rem 1.5rem 2rem; }
.footer-inner { max-width: var(--max); margin: 0 auto; display: grid; gap: 2.5rem; }
@media (min-width: 800px) { .footer-inner { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-brand p { margin: 0.65rem 0 0; color: rgba(255, 255, 255, 0.62); font-size: 0.95rem; max-width: 38ch; }
.footer-brand .logo-name { color: #fff; }
.footer-brand .logo-sub { color: rgba(255, 255, 255, 0.7); border-left-color: rgba(255, 255, 255, 0.3); }
.footer-col h4 { font-family: var(--sans); font-weight: 700; font-size: 0.78rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--rose-bright); margin: 0 0 1rem; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.55rem; }
.footer-col a { color: rgba(255, 255, 255, 0.78); text-decoration: none; font-size: 0.95rem; }
.footer-col a:hover { color: var(--rose-bright); }
.footer-bottom { max-width: var(--max); margin: 3rem auto 0; padding-top: 2rem; border-top: 1px solid rgba(255, 255, 255, 0.14); display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; font-size: 0.85rem; color: rgba(255, 255, 255, 0.55); }