/* ============================================================
   Mortgage Loan Broker — Editorial design system
   Dark-first, light-capable. Instrument Serif / Sans / Plex Mono.
   ============================================================ */

/* ---------- Tokens ---------- */
:root,
html[data-theme="dark"] {
  --bg: #0a0a0b;
  --bg2: #101012;
  --fg: #f4efe6;
  --accent: #c0a265;
  --accent2: #dcc9a6;
  --pill: rgba(14, 14, 16, 0.72);
  --overlay: rgba(10, 10, 11, 0.97);
  --shadow: rgba(0, 0, 0, 0.45);
  --grain-op: 0.045;
  --grain-blend: overlay;
  --wm: rgba(244, 239, 230, 0.022);
  --img-filter: grayscale(0.35) contrast(1.06) brightness(0.82);
  --fg008: rgba(244, 239, 230, 0.008);
  --fg01: rgba(244, 239, 230, 0.01);
  --fg03: rgba(244, 239, 230, 0.03);
  --fg035: rgba(244, 239, 230, 0.035);
  --fg04: rgba(244, 239, 230, 0.04);
  --fg06: rgba(244, 239, 230, 0.06);
  --fg1: rgba(244, 239, 230, 0.1);
  --fg12: rgba(244, 239, 230, 0.12);
  --fg14: rgba(244, 239, 230, 0.14);
  --fg16: rgba(244, 239, 230, 0.16);
  --fg2: rgba(244, 239, 230, 0.2);
  --fg22: rgba(244, 239, 230, 0.22);
  --fg3: rgba(244, 239, 230, 0.3);
  --fg34: rgba(244, 239, 230, 0.44);
  --fg4: rgba(244, 239, 230, 0.4);
  --fg5: rgba(244, 239, 230, 0.5);
  --fg56: rgba(244, 239, 230, 0.56);
  --fg6: rgba(244, 239, 230, 0.6);
  --fg7: rgba(244, 239, 230, 0.7);
  --fg78: rgba(244, 239, 230, 0.78);
  --ac14: rgba(192, 162, 101, 0.14);
  --ac16: rgba(192, 162, 101, 0.16);
  --ac2: rgba(192, 162, 101, 0.2);
  --ac45: rgba(192, 162, 101, 0.45);
  --ac5: rgba(192, 162, 101, 0.5);
  --ac75: rgba(192, 162, 101, 0.75);
  --serif: "Instrument Serif", Georgia, serif;
  --sans: "Instrument Sans", system-ui, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, monospace;
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  color-scheme: dark;
}

html[data-theme="light"] {
  --bg: #f7f4ef;
  --bg2: #ede8de;
  --fg: #16161a;
  --accent: #8a6a2e;
  --accent2: #6e5524;
  --pill: rgba(255, 253, 249, 0.82);
  --overlay: rgba(247, 244, 239, 0.97);
  --shadow: rgba(40, 34, 22, 0.14);
  --grain-op: 0.05;
  --grain-blend: multiply;
  --wm: rgba(22, 22, 26, 0.055);
  --img-filter: grayscale(0.2) contrast(1.02) brightness(1.02);
  --fg008: rgba(22, 22, 26, 0.011);
  --fg01: rgba(22, 22, 26, 0.014);
  --fg03: rgba(22, 22, 26, 0.042);
  --fg035: rgba(22, 22, 26, 0.049);
  --fg04: rgba(22, 22, 26, 0.056);
  --fg06: rgba(22, 22, 26, 0.07);
  --fg1: rgba(22, 22, 26, 0.1);
  --fg12: rgba(22, 22, 26, 0.12);
  --fg14: rgba(22, 22, 26, 0.14);
  --fg16: rgba(22, 22, 26, 0.16);
  --fg2: rgba(22, 22, 26, 0.2);
  --fg22: rgba(22, 22, 26, 0.22);
  --fg3: rgba(22, 22, 26, 0.3);
  --fg34: rgba(22, 22, 26, 0.56);
  --fg4: rgba(22, 22, 26, 0.62);
  --fg5: rgba(22, 22, 26, 0.72);
  --fg56: rgba(22, 22, 26, 0.7);
  --fg6: rgba(22, 22, 26, 0.68);
  --fg7: rgba(22, 22, 26, 0.78);
  --fg78: rgba(22, 22, 26, 0.82);
  --ac14: rgba(138, 106, 46, 0.14);
  --ac16: rgba(138, 106, 46, 0.16);
  --ac2: rgba(138, 106, 46, 0.2);
  --ac45: rgba(138, 106, 46, 0.45);
  --ac5: rgba(138, 106, 46, 0.5);
  --ac75: rgba(138, 106, 46, 0.75);
  color-scheme: light;
}

/* ---------- Base ---------- */
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--fg);
  font-family: var(--sans);
  overflow-x: clip;
  transition: background 0.8s var(--ease), color 0.8s var(--ease);
}
::selection { background: var(--accent); color: var(--bg); }
a { color: var(--accent2); text-decoration: none; }
a:hover { color: var(--fg); }
:focus-visible { outline: 1px solid var(--accent); outline-offset: 4px; }
input, select, textarea, button { font: inherit; color: inherit; }
img { max-width: 100%; }

.shell {
  max-width: 1720px;
  margin: 0 auto;
  padding-left: clamp(20px, 5vw, 96px);
  padding-right: clamp(20px, 5vw, 96px);
}

.eyebrow {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 0 0 18px;
}
.eyebrow::before {
  content: "";
  display: block;
  width: 28px;
  height: 1px;
  background: var(--accent);
}
.eyebrow span {
  font-size: 10.5px;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--accent2);
}

.display {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.04;
  letter-spacing: -0.025em;
}
.display em { font-style: italic; color: var(--fg5); }

/* ---------- Grain + watermark + cursor ---------- */
.grain {
  position: fixed;
  inset: 0;
  z-index: 90;
  pointer-events: none;
  opacity: var(--grain-op);
  mix-blend-mode: var(--grain-blend);
  background-image: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="160" height="160"><filter id="n"><feTurbulence type="fractalNoise" baseFrequency="0.85" numOctaves="3"/></filter><rect width="160" height="160" filter="url(%23n)"/></svg>');
  background-size: 160px 160px;
}

.cursor-dot {
  position: fixed;
  top: 0;
  left: 0;
  width: 7px;
  height: 7px;
  margin: -3.5px 0 0 -3.5px;
  border: 1px solid transparent;
  border-radius: 50%;
  background: var(--accent2);
  z-index: 95;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.5s ease, width 0.55s var(--ease), height 0.55s var(--ease),
    margin 0.55s var(--ease), background 0.5s ease, border-color 0.5s ease;
}
.cursor-dot.is-hover {
  width: 42px;
  height: 42px;
  margin: -21px 0 0 -21px;
  background: transparent;
  border-color: var(--ac75);
}

/* ---------- Nav ---------- */
.site-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 80;
  display: flex;
  justify-content: center;
  padding: 0 clamp(14px, 3vw, 40px);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  width: 100%;
  max-width: 1560px;
  padding: 20px 4px;
  border: 1px solid transparent;
  border-bottom-color: var(--fg12);
  background: transparent;
  transition: padding 0.9s var(--ease), background 0.9s var(--ease), border-color 0.9s ease,
    border-radius 0.9s var(--ease), max-width 1s var(--ease), margin 0.9s var(--ease),
    box-shadow 0.9s ease, backdrop-filter 0.9s ease;
}
.navbar.is-scrolled {
  max-width: 1180px;
  padding: 12px 14px 12px 20px;
  margin-top: 14px;
  border-radius: 999px;
  border-color: var(--fg14);
  border-bottom-color: var(--fg14);
  background: var(--pill);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 18px 50px var(--shadow);
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--fg);
  animation: mlFade 1s var(--ease) 0.1s both;
}
.brand svg { display: block; flex: none; }
.brand span {
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  font-weight: 500;
  white-space: nowrap;
}
.nav-links { display: none; gap: 28px; align-items: center; }
.nav-links a {
  font-size: 13px;
  color: var(--fg56);
  letter-spacing: 0.03em;
  transition: color 0.4s ease;
}
.nav-links a:hover, .nav-links a.is-active { color: var(--fg); }
.nav-cta-wrap { display: flex; align-items: center; gap: 10px; flex: none; }

.theme-btn {
  flex: none;
  position: relative;
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  background: transparent;
  border: 1px solid var(--fg16);
  cursor: pointer;
  transition: border-color 0.6s ease, background 0.6s ease;
}
.theme-btn:hover { border-color: var(--ac5); background: var(--fg04); }
.theme-btn svg { display: block; transition: transform 0.9s var(--ease); }
.theme-btn .sun-rays { opacity: 1; transition: opacity 0.55s ease; }
.theme-btn .moon-cut { transition: transform 0.8s var(--ease); transform: translate(6px, -6px); }
html[data-theme="light"] .theme-btn svg { transform: rotate(180deg) scale(0.92); }
html[data-theme="light"] .theme-btn .sun-rays { opacity: 0; }
html[data-theme="light"] .theme-btn .moon-cut { transform: translate(-3.5px, 3.5px); }

.btn-pill {
  flex: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 11px 22px;
  border: 1px solid var(--ac5);
  color: var(--accent2);
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  white-space: nowrap;
  will-change: transform;
  transition: background 0.6s var(--ease), color 0.6s ease, border-color 0.6s ease,
    transform 0.5s var(--ease);
}
.btn-pill:hover { background: var(--accent); color: var(--bg); border-color: var(--accent); }

.menu-btn {
  flex: none;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0 11px;
  background: transparent;
  border: 1px solid var(--fg16);
  cursor: pointer;
}
.menu-btn span {
  display: block;
  height: 1px;
  background: var(--fg);
  transition: transform 0.6s var(--ease);
}
.menu-btn.is-open span:first-child { transform: translateY(3px) rotate(45deg); }
.menu-btn.is-open span:last-child { transform: translateY(-3px) rotate(-45deg); }

@media (min-width: 1000px) {
  .nav-links { display: flex; }
  .menu-btn { display: none; }
}
@media (max-width: 639px) {
  .navbar .btn-pill { display: none; }
}

.menu-panel {
  position: fixed;
  inset: 0;
  z-index: 79;
  background: var(--overlay);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.7s var(--ease);
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 6px;
  padding: 96px clamp(24px, 7vw, 64px) 48px;
}
.menu-panel.is-open { opacity: 1; pointer-events: auto; }
.menu-panel a {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 8vw, 3.2rem);
  color: var(--fg);
  letter-spacing: -0.02em;
  padding: 8px 0;
  border-bottom: 1px solid var(--fg1);
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.6s var(--ease), transform 0.6s var(--ease);
}
.menu-panel.is-open a { opacity: 1; transform: none; }
.menu-panel a:last-child { border-bottom: none; }

/* ---------- Buttons ---------- */
.btn-solid {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 17px 28px;
  background: var(--fg);
  color: var(--bg);
  border: 1px solid var(--fg);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  cursor: pointer;
  will-change: transform;
  transition: background 0.6s var(--ease), border-color 0.6s ease, transform 0.5s var(--ease);
}
.btn-solid:hover { background: var(--accent); border-color: var(--accent); color: var(--bg); }
.btn-solid .arr { font-family: var(--mono); }
.btn-ghost {
  display: inline-flex;
  align-items: center;
  padding: 17px 28px;
  border: 1px solid var(--fg14);
  color: var(--fg);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  cursor: pointer;
  will-change: transform;
  transition: border-color 0.6s ease, background 0.6s ease, transform 0.5s var(--ease);
}
.btn-ghost:hover { border-color: var(--fg6); background: var(--fg04); color: var(--fg); }

/* ---------- Reveal ---------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 1.1s var(--ease), transform 1.1s var(--ease);
}
.reveal.is-shown { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: 0.12s; }
.reveal.d2 { transition-delay: 0.24s; }
.reveal.d3 { transition-delay: 0.36s; }

@keyframes mlRise { from { transform: translateY(115%); } to { transform: translateY(0); } }
@keyframes mlFade { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
@keyframes mlMarquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: clamp(118px, 14vh, 176px) clamp(20px, 5vw, 96px) clamp(36px, 5vh, 64px);
  max-width: 1720px;
  margin: 0 auto;
}
.hero-wm {
  position: absolute;
  top: 12vh;
  right: -5vw;
  font-family: var(--serif);
  font-size: min(46vw, 820px);
  line-height: 0.7;
  color: var(--wm);
  pointer-events: none;
  user-select: none;
  will-change: transform;
}
.hero-inner { position: relative; }
.hero .eyebrow { margin-bottom: clamp(22px, 3vw, 34px); animation: mlFade 1.1s var(--ease) 0.15s both; }
.hero .eyebrow::before { width: 34px; }
.hero .eyebrow span { font-size: 10.5px; letter-spacing: 0.34em; }
.hero h1 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.7rem, 7.4vw, 8rem);
  line-height: 0.96;
  letter-spacing: -0.03em;
  max-width: 15ch;
}
.hero h1 .line { display: block; overflow: hidden; padding-bottom: 0.05em; }
.hero h1 .line > span { display: block; animation: mlRise 1.5s var(--ease) both; }
.hero h1 .line:nth-child(1) > span { animation-delay: 0.25s; }
.hero h1 .line:nth-child(2) > span { animation-delay: 0.38s; }
.hero h1 .line:nth-child(3) > span { animation-delay: 0.51s; }
.hero h1 .line:nth-child(4) > span { animation-delay: 0.64s; font-style: italic; color: var(--accent2); }
.hero-foot {
  display: grid;
  grid-template-columns: 1fr;
  gap: 30px;
  margin-top: clamp(30px, 4vw, 54px);
}
.hero-foot p {
  margin: 0;
  max-width: 48ch;
  font-size: clamp(15px, 1.1vw, 18px);
  line-height: 1.62;
  color: var(--fg56);
  text-wrap: pretty;
  animation: mlFade 1.2s var(--ease) 0.85s both;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  animation: mlFade 1.2s var(--ease) 0.98s both;
}
.hero-strip {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(10px, 1vw, 18px);
  margin-top: clamp(34px, 4.5vw, 64px);
}
.hero-strip figure {
  margin: 0;
  position: relative;
  overflow: hidden;
  border: 1px solid var(--fg12);
}
.hero-strip img {
  display: block;
  width: 100%;
  height: clamp(170px, 26vh, 300px);
  object-fit: cover;
  filter: var(--img-filter);
  transition: transform 1.4s var(--ease);
}
.hero-strip figure:hover img { transform: scale(1.04); }
.hero-strip figure::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 46%;
  background: linear-gradient(to top, rgba(8, 8, 9, 0.82), rgba(8, 8, 9, 0.32) 46%, transparent);
  pointer-events: none;
}
.hero-strip figcaption {
  position: absolute;
  left: 16px;
  bottom: 14px;
  z-index: 1;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #f4efe6;
}
@media (min-width: 720px) {
  .hero-strip { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 900px) {
  .hero-foot { grid-template-columns: minmax(0, 1fr) auto; align-items: end; }
}

/* ---------- Stat bar ---------- */
.statbar {
  display: grid;
  grid-template-columns: 1fr;
  border-top: 1px solid var(--fg12);
  border-bottom: 1px solid var(--fg12);
}
.stat { padding: clamp(28px, 3.6vw, 50px) 0; }
.stat-num {
  font-family: var(--mono);
  font-size: clamp(2.4rem, 4.4vw, 4.2rem);
  line-height: 1;
  letter-spacing: -0.045em;
}
.stat-label {
  margin-top: 16px;
  font-size: 10.5px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--fg5);
}
@media (min-width: 900px) {
  .statbar { grid-template-columns: repeat(3, 1fr); }
  .statbar > * + * { border-left: 1px solid var(--fg12); padding-left: clamp(24px, 3vw, 48px); }
}

/* ---------- Marquee ---------- */
.marquee-section { padding: clamp(40px, 5vw, 76px) 0; overflow: hidden; }
.marquee-label {
  margin: 0 0 44px;
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--fg6);
}
.marquee {
  position: relative;
  mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}
.marquee-track {
  display: flex;
  width: max-content;
  animation: mlMarquee 34s linear infinite;
  will-change: transform;
}
.marquee-group {
  display: flex;
  align-items: center;
  gap: clamp(48px, 6vw, 96px);
  padding-right: clamp(48px, 6vw, 96px);
}
.marquee-group span {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 3vw, 2.8rem);
  color: var(--fg34);
  white-space: nowrap;
}

/* ---------- Programs (pinned horizontal) ---------- */
.programs { position: relative; }
.programs-inner {
  position: sticky;
  top: 0;
  height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
}
.programs-head {
  max-width: 1720px;
  width: 100%;
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 96px) clamp(28px, 4vw, 52px);
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
}
.programs-head h2 { font-size: clamp(2rem, 4.4vw, 4rem); line-height: 1.02; }
.prog-index {
  font-family: var(--mono);
  font-size: 12px;
  color: var(--fg6);
  white-space: nowrap;
}
.prog-track {
  display: flex;
  gap: clamp(16px, 1.6vw, 28px);
  padding: 0 clamp(20px, 5vw, 96px);
  will-change: transform;
}
.prog-card {
  flex: none;
  width: min(78vw, 420px);
  border: 1px solid var(--fg12);
  background: linear-gradient(180deg, var(--fg035), var(--fg01));
  padding: clamp(24px, 2.4vw, 38px);
  display: flex;
  flex-direction: column;
  gap: 18px;
  transition: border-color 0.7s ease, background 0.7s ease;
}
.prog-card:hover { border-color: var(--ac45); }
.prog-card .num { font-family: var(--mono); font-size: 11px; color: var(--accent); letter-spacing: 0.1em; }
.prog-card h3 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.7rem, 2.4vw, 2.4rem);
  letter-spacing: -0.02em;
}
.prog-card p { margin: 0; font-size: 14.5px; line-height: 1.65; color: var(--fg56); text-wrap: pretty; }
.prog-card .rule { margin-top: auto; height: 1px; background: var(--fg14); }
.programs.is-static .programs-inner { position: static; height: auto; padding: clamp(70px, 9vw, 120px) 0; }
.programs.is-static .prog-track { flex-wrap: wrap; transform: none !important; }
.programs.is-static .prog-card { width: 100%; }

/* ---------- Pathways ---------- */
.pathways { padding-top: clamp(56px, 7vw, 108px); padding-bottom: clamp(56px, 7vw, 108px); }
.pathways .eyebrow { margin-bottom: clamp(36px, 5vw, 64px); }
.path-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: var(--fg12);
  border-top: 1px solid var(--fg12);
  border-bottom: 1px solid var(--fg12);
}
.path-col { background: var(--bg); padding: clamp(32px, 4.5vw, 72px) 0; }
.path-col img {
  display: block;
  width: 100%;
  height: clamp(170px, 24vh, 250px);
  object-fit: cover;
  filter: var(--img-filter);
  border: 1px solid var(--fg12);
  margin-bottom: clamp(24px, 3vw, 36px);
}
.path-kicker {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--fg6);
}
.path-col h3 {
  margin: 22px 0 20px;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2rem, 3.6vw, 3.4rem);
  line-height: 1.04;
  letter-spacing: -0.025em;
}
.path-col > p {
  margin: 0 0 34px;
  max-width: 40ch;
  font-size: 15px;
  line-height: 1.65;
  color: var(--fg56);
  text-wrap: pretty;
}
.path-list { margin: 0; padding: 0; list-style: none; display: grid; }
.path-list li {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 12px;
  padding: 16px 0;
  border-top: 1px solid var(--fg1);
  font-size: 14.5px;
  color: var(--fg78);
}
.path-list .num { font-family: var(--mono); font-size: 11px; color: var(--accent); }
@media (min-width: 720px) {
  .path-split { grid-template-columns: 1fr 1fr; }
  .path-col:first-child { padding-right: clamp(0px, 3vw, 56px); }
  .path-col:last-child { padding-left: clamp(0px, 3vw, 56px); }
}

/* ---------- Image band ---------- */
.band {
  position: relative;
  height: clamp(340px, 62vh, 660px);
  overflow: hidden;
  border-top: 1px solid var(--fg12);
  border-bottom: 1px solid var(--fg12);
}
.band img {
  position: absolute;
  inset: -12% 0;
  width: 100%;
  height: 124%;
  object-fit: cover;
  filter: var(--img-filter);
  will-change: transform;
}
.band-scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, var(--bg) 0%, transparent 34%, transparent 62%, var(--bg) 100%);
}
.band-caption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  max-width: 1720px;
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 96px) clamp(28px, 4vw, 56px);
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.band-caption p {
  margin: 0;
  max-width: 26ch;
  font-family: var(--serif);
  font-size: clamp(1.3rem, 2.6vw, 2.3rem);
  line-height: 1.14;
  letter-spacing: -0.02em;
}
.band-caption .tag {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--fg6);
}

/* ---------- Calculator ---------- */
.calc-section { border-top: 1px solid var(--fg12); background: var(--bg2); }
.calc-grid {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(60px, 8vw, 120px) clamp(20px, 5vw, 96px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(40px, 5vw, 90px);
  align-items: start;
}
.calc-grid h2 {
  margin: 0 0 clamp(32px, 4vw, 52px);
  font-size: clamp(2rem, 4vw, 3.6rem);
  max-width: 20ch;
}
.calc-fields { display: grid; gap: clamp(24px, 3vw, 34px); }
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 12px;
}
.calc-key { font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--fg5); }
.calc-val { font-family: var(--mono); font-size: 15px; color: var(--fg); }
input[type="range"].slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 26px;
  background: transparent;
  cursor: ew-resize;
}
input[type="range"].slider::-webkit-slider-runnable-track { height: 1px; background: var(--fg22); }
input[type="range"].slider::-moz-range-track { height: 1px; background: var(--fg22); }
input[type="range"].slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 12px;
  height: 12px;
  margin-top: -6px;
  background: var(--accent);
  border-radius: 50%;
  box-shadow: 0 0 0 1px var(--bg), 0 0 0 5px var(--ac16);
  transition: box-shadow 0.4s var(--ease);
}
input[type="range"].slider:hover::-webkit-slider-thumb {
  box-shadow: 0 0 0 1px var(--bg), 0 0 0 9px var(--ac2);
}
input[type="range"].slider::-moz-range-thumb {
  width: 12px;
  height: 12px;
  border: none;
  background: var(--accent);
  border-radius: 50%;
}
.term-group { display: flex; gap: 10px; }
.term-btn {
  flex: 1;
  padding: 14px 10px;
  background: transparent;
  border: 1px solid var(--fg14);
  color: var(--fg6);
  font-family: var(--mono);
  font-size: 13px;
  letter-spacing: 0.06em;
  cursor: pointer;
  transition: background 0.5s var(--ease), color 0.5s ease, border-color 0.5s ease;
}
.term-btn.is-active { background: var(--ac14); border-color: var(--accent); color: var(--fg); }
.calc-out {
  border: 1px solid var(--fg12);
  background: linear-gradient(180deg, var(--fg04), var(--fg008));
  padding: clamp(28px, 3.4vw, 52px);
}
.calc-out-label {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--fg5);
}
.calc-monthly {
  margin: 22px 0 4px;
  font-family: var(--mono);
  font-size: clamp(2.6rem, 5.6vw, 4.6rem);
  line-height: 1;
  letter-spacing: -0.05em;
  color: var(--fg);
  font-variant-numeric: tabular-nums;
}
.calc-divider { height: 1px; background: var(--fg12); margin: clamp(26px, 3vw, 38px) 0; }
.calc-dl { margin: 0; display: grid; gap: 16px; }
.calc-dl > div { display: flex; justify-content: space-between; gap: 16px; }
.calc-dl dt { font-size: 13px; color: var(--fg5); }
.calc-dl dd { margin: 0; font-family: var(--mono); font-size: 14px; }
.calc-note { margin: clamp(28px, 3vw, 40px) 0 0; font-size: 12px; line-height: 1.6; color: var(--fg6); }
@media (min-width: 900px) {
  .calc-grid { grid-template-columns: 1.05fr 0.95fr; }
}

/* ---------- Process ---------- */
.process { position: relative; border-top: 1px solid var(--fg12); }
.process-sticky {
  position: sticky;
  top: 0;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.process.is-static .process-sticky { position: static; min-height: 0; }
.proc-grid {
  max-width: 1720px;
  width: 100%;
  margin: 0 auto;
  padding: clamp(80px, 10vh, 120px) clamp(20px, 5vw, 96px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(40px, 5vw, 80px);
  align-items: start;
}
.proc-grid h2 { margin: 0 0 20px; font-size: clamp(2rem, 4vw, 3.6rem); }
.proc-grid .lede { margin: 0; max-width: 34ch; font-size: 15px; line-height: 1.65; color: var(--fg56); text-wrap: pretty; }
.proc-rail { position: relative; padding-left: clamp(28px, 3vw, 44px); }
.proc-line-bg, .proc-line {
  position: absolute;
  left: 0;
  top: 8px;
  bottom: 8px;
  width: 1px;
}
.proc-line-bg { background: var(--fg12); }
.proc-line { background: var(--accent); transform: scaleY(0); transform-origin: top; will-change: transform; }
.proc-steps { display: grid; gap: clamp(20px, 2.6vw, 34px); }
.proc-step { position: relative; opacity: 0.3; transition: opacity 0.8s var(--ease); }
.proc-step.is-active { opacity: 1; }
.proc-dot {
  position: absolute;
  left: calc(-1 * clamp(28px, 3vw, 44px) - 3px);
  top: 9px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent);
  transform: scale(0.5);
  transition: transform 0.7s var(--ease);
}
.proc-step.is-active .proc-dot { transform: scale(1); }
.proc-title { display: flex; align-items: baseline; gap: 16px; }
.proc-title .num { font-family: var(--mono); font-size: 11px; color: var(--accent); }
.proc-title h3 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.4rem, 2.2vw, 2rem);
  letter-spacing: -0.02em;
}
.proc-step p { margin: 8px 0 0 27px; max-width: 46ch; font-size: 14px; line-height: 1.6; color: var(--fg56); }
@media (min-width: 900px) {
  .proc-grid { grid-template-columns: 340px 1fr; }
}

/* ---------- Testimonials ---------- */
.quotes-section { border-top: 1px solid var(--fg12); background: var(--bg2); }
.quotes-inner { max-width: 1200px; margin: 0 auto; padding: clamp(56px, 7vw, 104px) clamp(20px, 5vw, 96px); }
.quotes-inner .eyebrow { margin-bottom: clamp(26px, 3vw, 40px); }
.quote-stage { position: relative; min-height: 260px; }
.quote {
  margin: 0;
  position: absolute;
  inset: 0;
  opacity: 0;
  transform: scale(0.98);
  pointer-events: none;
  transition: opacity 1.2s var(--ease), transform 1.4s var(--ease);
}
.quote.is-active { opacity: 1; transform: scale(1); pointer-events: auto; }
.quote blockquote {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.5rem, 3.2vw, 2.9rem);
  line-height: 1.24;
  letter-spacing: -0.02em;
  text-wrap: pretty;
}
.quote figcaption {
  margin-top: clamp(24px, 3vw, 40px);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--fg5);
}
.quote-nav { display: flex; gap: 10px; margin-top: clamp(26px, 3vw, 40px); }
.quote-nav button {
  width: 34px;
  height: 2px;
  padding: 0;
  border: none;
  background: var(--fg2);
  cursor: pointer;
  transition: background 0.6s ease;
}
.quote-nav button.is-active { background: var(--accent); }

/* ---------- FAQ ---------- */
.faq { padding-top: clamp(56px, 7vw, 108px); padding-bottom: clamp(56px, 7vw, 108px); }
.faq-grid { display: grid; grid-template-columns: 1fr; gap: clamp(36px, 5vw, 80px); align-items: start; }
.faq-grid h2 { font-size: clamp(2rem, 4vw, 3.6rem); max-width: 16ch; }
.faq-list { border-top: 1px solid var(--fg12); }
.acc { border-bottom: 1px solid var(--fg12); }
.acc-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: clamp(22px, 2.4vw, 30px) 0;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-size: clamp(15px, 1.4vw, 19px);
  color: var(--fg);
  transition: color 0.5s ease;
}
.acc-icon {
  flex: none;
  font-family: var(--mono);
  font-size: 18px;
  color: var(--accent);
  transition: transform 0.7s var(--ease);
}
.acc.is-open .acc-icon { transform: rotate(135deg); }
.acc-panel { overflow: hidden; height: 0; transition: height 0.7s var(--ease); }
.acc-panel p {
  margin: 0 0 clamp(22px, 2.4vw, 30px);
  max-width: 62ch;
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--fg56);
  text-wrap: pretty;
}
@media (min-width: 900px) {
  .faq-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------- Resources highlight (home) ---------- */
.resources { border-top: 1px solid var(--fg12); }
.resources-inner {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(56px, 7vw, 108px) clamp(20px, 5vw, 96px);
}
.resources-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: clamp(32px, 4vw, 56px);
}
.resources-head h2 { font-size: clamp(2rem, 4.4vw, 4rem); line-height: 1.02; }
.resources-link {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent2);
  white-space: nowrap;
  padding-bottom: 4px;
  border-bottom: 1px solid var(--ac45);
  transition: color 0.5s ease, border-color 0.5s ease;
}
.resources-link:hover { color: var(--fg); border-color: var(--fg6); }
.resource-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: var(--fg12);
  border: 1px solid var(--fg12);
}
.resource-card {
  display: flex;
  flex-direction: column;
  gap: 16px;
  background: var(--bg);
  padding: clamp(24px, 2.6vw, 40px);
  color: var(--fg);
  transition: background 0.6s ease;
}
.resource-card:hover { background: var(--fg03); color: var(--fg); }
.resource-card .meta {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
}
.resource-card .meta .time { color: var(--fg5); }
.resource-card h3 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.4rem, 1.9vw, 1.9rem);
  line-height: 1.14;
  letter-spacing: -0.02em;
}
.resource-card p { margin: 0; font-size: 14px; line-height: 1.65; color: var(--fg56); }
.resource-card .go {
  margin-top: auto;
  padding-top: 18px;
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg5);
  transition: color 0.5s ease, transform 0.5s var(--ease);
}
.resource-card:hover .go { color: var(--accent2); transform: translateX(6px); }
@media (min-width: 720px) { .resource-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .resource-grid { grid-template-columns: repeat(4, 1fr); } }

/* ---------- Contact ---------- */
.contact-section { border-top: 1px solid var(--fg12); background: var(--bg2); }
.contact-grid {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(56px, 7vw, 104px) clamp(20px, 5vw, 96px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(44px, 5vw, 90px);
  align-items: start;
}
.contact-form { display: grid; gap: clamp(20px, 2.4vw, 28px); }
.contact-form h2 { margin: -4px 0 8px; font-size: clamp(2rem, 4vw, 3.4rem); max-width: 20ch; }
.field-row { display: grid; grid-template-columns: 1fr; gap: clamp(20px, 2.4vw, 28px); }
.field span {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg5);
  margin-bottom: 10px;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 13px 0;
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--fg2);
  font-size: 15px;
  outline: none;
  border-radius: 0;
  transition: border-color 0.5s ease;
}
.field select { appearance: none; }
.field select option { background: var(--bg2); }
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-bottom-color: var(--accent); }
.consent {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--fg56);
  cursor: pointer;
}
.consent input { margin: 2px 0 0; width: 15px; height: 15px; accent-color: var(--accent); flex: none; }
.contact-form .btn-solid { justify-self: start; }
.form-status { margin: 0; font-family: var(--mono); font-size: 12.5px; color: var(--accent2); }
.contact-aside {
  border-left: 1px solid var(--fg12);
  padding-left: clamp(20px, 3vw, 48px);
  display: grid;
  gap: clamp(26px, 3vw, 38px);
  align-content: start;
}
.contact-aside img {
  width: 100%;
  height: clamp(180px, 26vh, 260px);
  object-fit: cover;
  object-position: 50% 65%;
  filter: var(--img-filter);
  border: 1px solid var(--fg12);
}
.contact-aside .k {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg6);
  margin-bottom: 10px;
}
.contact-aside a { font-size: clamp(14px, 1.3vw, 17px); }
.contact-aside .mono { font-family: var(--mono); }
.contact-aside .plain { font-size: 14px; color: var(--fg7); }
@media (min-width: 900px) {
  .contact-grid { grid-template-columns: 1.1fr 0.9fr; }
  .field-row { grid-template-columns: 1fr 1fr; }
}

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--fg12); }
.footer-inner {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(48px, 6vw, 84px) clamp(20px, 5vw, 96px) 36px;
}
.footer-grid { display: grid; grid-template-columns: 1fr; gap: clamp(36px, 4vw, 64px); }
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.footer-brand span { font-size: 11.5px; letter-spacing: 0.2em; text-transform: uppercase; }
.footer-grid p { margin: 0; max-width: 34ch; font-size: 13px; line-height: 1.7; color: var(--fg5); }
.footer-col .k {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg6);
  margin-bottom: 18px;
}
.footer-col nav { display: grid; gap: 10px; font-size: 13.5px; }
.footer-col nav a { color: var(--fg7); }
.footer-col nav a:hover { color: var(--fg); }
.footer-legal {
  margin: clamp(34px, 4vw, 56px) 0 0;
  max-width: 92ch;
  font-size: 11.5px;
  line-height: 1.75;
  color: var(--fg6);
}
.footer-base {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--fg1);
  font-family: var(--mono);
  font-size: 11px;
  color: var(--fg6);
}
@media (min-width: 900px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
}

/* ============================================================
   Resource center (articles.html)
   ============================================================ */
.page-head {
  position: relative;
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(130px, 16vh, 190px) clamp(20px, 5vw, 96px) clamp(36px, 5vh, 60px);
}
.page-head .wm {
  position: absolute;
  top: 8vh;
  right: -4vw;
  font-family: var(--serif);
  font-size: min(34vw, 560px);
  line-height: 0.72;
  color: var(--wm);
  pointer-events: none;
  user-select: none;
}
.page-head h1 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.5rem, 6.4vw, 6.4rem);
  line-height: 0.98;
  letter-spacing: -0.03em;
  max-width: 16ch;
}
.page-head h1 .line { display: block; overflow: hidden; padding-bottom: 0.06em; }
.page-head h1 .line > span { display: block; animation: mlRise 1.4s var(--ease) both; }
.page-head h1 .line:nth-child(2) > span { animation-delay: 0.14s; font-style: italic; color: var(--accent2); }
.page-head .sub {
  margin: clamp(20px, 3vw, 30px) 0 0;
  max-width: 52ch;
  font-size: clamp(15px, 1.1vw, 17px);
  line-height: 1.62;
  color: var(--fg56);
  animation: mlFade 1.2s var(--ease) 0.5s both;
}

.search-bar {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: clamp(28px, 4vw, 44px);
  max-width: 560px;
  border-bottom: 1px solid var(--fg2);
  transition: border-color 0.5s ease;
  animation: mlFade 1.2s var(--ease) 0.65s both;
}
.search-bar:focus-within { border-color: var(--accent); }
.search-bar svg { flex: none; color: var(--fg5); }
.search-bar input {
  flex: 1;
  min-width: 0;
  padding: 15px 0;
  background: transparent;
  border: none;
  outline: none;
  font-size: 16px;
  color: var(--fg);
}
.search-bar input::placeholder { color: var(--fg4); }

.filter-strip {
  position: relative;
  max-width: 1720px;
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 96px);
}
.filter-bar {
  display: flex;
  gap: 8px;
  overflow-x: auto;
  padding: 4px 0 16px;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
}
.filter-bar::-webkit-scrollbar { display: none; }
.chip {
  flex: none;
  padding: 10px 18px;
  background: transparent;
  border: 1px solid var(--fg14);
  color: var(--fg6);
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.05em;
  white-space: nowrap;
  cursor: pointer;
  transition: background 0.5s var(--ease), color 0.5s ease, border-color 0.5s ease;
}
.chip:hover { border-color: var(--ac45); color: var(--fg); }
.chip.active { background: var(--ac14); border-color: var(--accent); color: var(--fg); }

.results-meta {
  max-width: 1720px;
  margin: 0 auto;
  padding: 18px clamp(20px, 5vw, 96px) 0;
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg5);
}

.article-listing {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(22px, 3vw, 36px) clamp(20px, 5vw, 96px) clamp(64px, 8vw, 120px);
}
.article-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: var(--fg12);
  border: 1px solid var(--fg12);
}
.article-grid:empty { display: none; }
@media (min-width: 700px) { .article-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .article-grid { grid-template-columns: repeat(3, 1fr); } }

.article-card {
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: var(--bg);
  padding: clamp(22px, 2.4vw, 36px);
  color: var(--fg);
  transition: background 0.6s ease;
}
.article-card:hover { background: var(--fg03); color: var(--fg); }
.article-card .meta {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
}
.article-card .meta .time { color: var(--fg5); }
.article-card h3 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.3rem, 1.8vw, 1.7rem);
  line-height: 1.16;
  letter-spacing: -0.02em;
}
.article-card p {
  margin: 0;
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--fg56);
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.article-card .go {
  margin-top: auto;
  padding-top: 16px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg5);
  transition: color 0.5s ease, transform 0.5s var(--ease);
}
.article-card:hover .go { color: var(--accent2); transform: translateX(6px); }
.article-card--featured { background: linear-gradient(180deg, var(--ac14), transparent 60%), var(--bg); }

.featured-row {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(40px, 5vw, 64px) clamp(20px, 5vw, 96px) clamp(28px, 4vw, 48px);
}
.featured-row .eyebrow { margin-bottom: clamp(24px, 3vw, 36px); }

.empty-state {
  padding: clamp(48px, 7vw, 96px) 0;
  text-align: center;
  color: var(--fg5);
}
.empty-state p { font-family: var(--serif); font-size: clamp(1.3rem, 2.4vw, 2rem); margin: 0 0 20px; }
.link-btn {
  background: none;
  border: none;
  border-bottom: 1px solid var(--ac45);
  padding: 0 0 3px;
  color: var(--accent2);
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  cursor: pointer;
  transition: color 0.5s ease, border-color 0.5s ease;
}
.link-btn:hover { color: var(--fg); border-color: var(--fg6); }
.hidden { display: none !important; }

/* ---------- CTA strip (shared) ---------- */
.cta-strip { border-top: 1px solid var(--fg12); background: var(--bg2); }
.cta-inner {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(48px, 6vw, 96px) clamp(20px, 5vw, 96px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(24px, 4vw, 48px);
  flex-wrap: wrap;
}
.cta-inner h2 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.8rem, 3.6vw, 3.2rem);
  line-height: 1.06;
  letter-spacing: -0.025em;
  max-width: 22ch;
}
.cta-inner .cta-sub { margin: 14px 0 0; max-width: 44ch; font-size: 14.5px; line-height: 1.65; color: var(--fg56); }

/* ============================================================
   Article reader (article.html)
   ============================================================ */
.progress-bar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  z-index: 85;
  background: transparent;
  pointer-events: none;
}
.progress-bar span {
  display: block;
  height: 100%;
  width: 100%;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  will-change: transform;
}

.article-loading, .article-not-found {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(160px, 24vh, 260px) clamp(20px, 5vw, 96px) clamp(80px, 12vh, 160px);
  text-align: center;
}
.article-not-found h1 {
  margin: 0 0 16px;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.2rem, 5vw, 4rem);
  letter-spacing: -0.03em;
}
.article-not-found p { color: var(--fg56); margin: 0 0 32px; }
.loading-spinner {
  width: 28px;
  height: 28px;
  margin: 0 auto 18px;
  border: 1px solid var(--fg2);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: mlSpin 0.9s linear infinite;
}
@keyframes mlSpin { to { transform: rotate(360deg); } }
.article-loading p {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg5);
}

.reader-head {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(120px, 15vh, 180px) clamp(20px, 5vw, 96px) clamp(32px, 4vw, 52px);
}
.breadcrumb {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--fg5);
  margin-bottom: clamp(28px, 4vw, 44px);
}
.breadcrumb a { color: var(--fg5); }
.breadcrumb a:hover { color: var(--accent2); }
.breadcrumb .sep { color: var(--fg3); }
.reader-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px 22px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: clamp(20px, 3vw, 30px);
}
.reader-meta .cat { color: var(--accent); }
.reader-meta .dim { color: var(--fg5); }
.reader-title {
  margin: 0;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(2.1rem, 5vw, 4.6rem);
  line-height: 1.02;
  letter-spacing: -0.03em;
  max-width: 22ch;
}
.reader-excerpt {
  margin: clamp(20px, 3vw, 30px) 0 0;
  max-width: 58ch;
  font-size: clamp(15px, 1.2vw, 18px);
  line-height: 1.65;
  color: var(--fg56);
  text-wrap: pretty;
}

.reader-layout {
  max-width: 1720px;
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 96px) clamp(64px, 8vw, 120px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(36px, 5vw, 80px);
  align-items: start;
  border-top: 1px solid var(--fg12);
}
.toc {
  display: none;
  position: sticky;
  top: 110px;
  padding-top: clamp(28px, 4vw, 44px);
}
.toc-heading {
  margin: 0 0 18px;
  font-size: 10.5px;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--fg5);
}
.toc nav { display: grid; gap: 2px; border-left: 1px solid var(--fg12); }
.toc nav a {
  display: block;
  padding: 8px 0 8px 18px;
  margin-left: -1px;
  border-left: 1px solid transparent;
  font-size: 13px;
  line-height: 1.45;
  color: var(--fg5);
  transition: color 0.4s ease, border-color 0.4s ease;
}
.toc nav a:hover { color: var(--fg); }
.toc nav a.toc-active { color: var(--accent2); border-left-color: var(--accent); }
@media (min-width: 1000px) {
  .reader-layout { grid-template-columns: 280px minmax(0, 760px); }
  .toc { display: block; }
}

.prose {
  min-width: 0; /* wide tables must scroll inside .table-scroll, not widen the grid */
  padding-top: clamp(28px, 4vw, 44px);
  font-size: clamp(15.5px, 1.15vw, 17px);
  line-height: 1.75;
  color: var(--fg78);
}
.prose > :first-child { margin-top: 0; }
.prose p { margin: 0 0 1.4em; text-wrap: pretty; }
.prose h2 {
  margin: 2.2em 0 0.7em;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.6rem, 2.6vw, 2.2rem);
  line-height: 1.14;
  letter-spacing: -0.02em;
  color: var(--fg);
}
.prose h3 {
  margin: 1.8em 0 0.6em;
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.3rem, 2vw, 1.6rem);
  color: var(--fg);
}
.prose strong { color: var(--fg); font-weight: 600; }
.prose a { border-bottom: 1px solid var(--ac45); }
.prose ul, .prose ol { margin: 0 0 1.4em; padding-left: 1.3em; }
.prose li { margin-bottom: 0.55em; }
.prose li::marker { color: var(--accent); }
.prose blockquote {
  margin: 2em 0;
  padding: 4px 0 4px clamp(18px, 2.4vw, 30px);
  border-left: 1px solid var(--accent);
  font-family: var(--serif);
  font-size: clamp(1.15rem, 1.7vw, 1.45rem);
  line-height: 1.4;
  color: var(--fg);
}
.prose blockquote p { margin: 0; }
.table-scroll { overflow-x: auto; margin: 2em 0; border: 1px solid var(--fg12); }
.prose table { border-collapse: collapse; width: 100%; min-width: 520px; font-size: 14px; }
.prose th, .prose td {
  padding: 13px 16px;
  text-align: left;
  border-bottom: 1px solid var(--fg12);
  vertical-align: top;
}
.prose th {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent2);
  background: var(--fg03);
  white-space: nowrap;
}
.prose tr:last-child td { border-bottom: none; }

.related { border-top: 1px solid var(--fg12); }
.related-inner {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(48px, 6vw, 96px) clamp(20px, 5vw, 96px);
}
.related-inner h2 {
  margin: 0 0 clamp(28px, 4vw, 44px);
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.8rem, 3.4vw, 3rem);
  letter-spacing: -0.025em;
}

/* ---------- Motion prefs ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-delay: 0ms !important;
    transition-duration: 0.001s !important;
  }
  .cursor-dot { display: none; }
}

/* ============================================================
   Pre-approval application (apply.html)
   ============================================================ */
[hidden] { display: none !important; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.mono { font-family: var(--mono); }

.apply-facts {
  list-style: none;
  margin: clamp(28px, 4vw, 44px) 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 14px clamp(28px, 4vw, 56px);
  font-size: 14px;
  color: var(--fg78);
  animation: mlFade 1.2s var(--ease) 0.6s both;
}
.apply-facts .k,
.apply-summary dt,
.result-grid dt {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--fg5);
  margin-bottom: 8px;
}

.apply-shell {
  max-width: 1720px;
  margin: 0 auto;
  padding: clamp(20px, 3vw, 40px) clamp(20px, 5vw, 96px) clamp(80px, 10vw, 140px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(28px, 4vw, 72px);
  align-items: start;
}
.apply-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 6px;
  overflow-x: auto;
  border-top: 1px solid var(--fg12);
}
.apply-steps li {
  flex: 1 0 auto;
  padding: 14px 10px 0 0;
  border-top: 2px solid transparent;
  margin-top: -1px;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--fg4);
  white-space: nowrap;
  transition: color 0.5s ease, border-color 0.5s ease;
}
.apply-steps .n { font-family: var(--mono); margin-right: 8px; color: var(--fg3); }
.apply-steps li.is-done { color: var(--fg7); border-top-color: var(--ac45); }
.apply-steps li.is-active { color: var(--fg); border-top-color: var(--accent); }
.apply-steps li.is-active .n { color: var(--accent); }

.apply-form { display: grid; gap: clamp(22px, 2.6vw, 30px); max-width: 860px; }
.apply-step { display: none; border: 0; margin: 0; padding: 0; min-width: 0; }
.apply-step.is-active { display: grid; gap: clamp(22px, 2.6vw, 30px); animation: mlFade 0.7s var(--ease) both; }
.apply-step legend {
  padding: 0;
  margin-bottom: clamp(22px, 2.6vw, 30px);
  font-size: clamp(1.9rem, 3.6vw, 3rem);
}
.field-row-3 { grid-template-columns: 1fr; }
.field .is-invalid, .field input.is-invalid, .field select.is-invalid { border-bottom-color: #d0705a; }
.field-note { display: block; margin-top: 8px; font-style: normal; font-size: 12px; color: var(--fg5); }
.field-hint { margin: -6px 0 0; min-height: 1.2em; font-size: 12.5px; color: var(--accent2); }
.step-note { margin: -8px 0 0; max-width: 60ch; font-size: 14px; line-height: 1.6; color: var(--fg6); }

.choice-grid { display: grid; grid-template-columns: 1fr; gap: 14px; }
.choice {
  position: relative;
  display: grid;
  gap: 8px;
  padding: 22px 24px;
  border: 1px solid var(--fg14);
  cursor: pointer;
  transition: border-color 0.5s ease, background 0.5s ease;
}
.choice:hover { border-color: var(--fg3); background: var(--fg03); }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice .t { font-family: var(--serif); font-size: clamp(1.4rem, 2vw, 1.8rem); }
.choice .d { font-size: 13.5px; line-height: 1.55; color: var(--fg6); }
.choice:has(input:checked) { border-color: var(--accent); background: var(--ac14); }
.choice:has(input:focus-visible) { outline: 1px solid var(--accent); outline-offset: 4px; }

.apply-summary {
  margin: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  border-top: 1px solid var(--fg12);
}
.apply-summary dt { margin: 14px 0 4px; }
.apply-summary dd { margin: 0 0 14px; font-size: 15px; padding-bottom: 14px; border-bottom: 1px solid var(--fg12); }
.consent-box { padding: 18px 20px; border: 1px solid var(--fg14); background: var(--fg03); }
.consent-box strong { color: var(--fg); font-weight: 600; }

.apply-nav { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.apply-nav .btn-solid[disabled] { opacity: 0.55; cursor: progress; }
.apply-error:empty { display: none; }

.apply-result {
  max-width: 860px;
  display: grid;
  gap: clamp(18px, 2.2vw, 26px);
  outline: none;
  animation: mlFade 0.9s var(--ease) both;
}
.apply-result h2 { font-size: clamp(1.9rem, 3.6vw, 3rem); }
.result-figure {
  margin: -6px 0 0;
  font-size: clamp(2.6rem, 7vw, 5.6rem);
  line-height: 1;
  letter-spacing: -0.03em;
  color: var(--accent2);
}
.result-grid {
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-top: 1px solid var(--fg12);
}
.result-grid div { padding: 18px 12px 18px 0; border-bottom: 1px solid var(--fg12); }
.result-grid dd { margin: 0; font-size: clamp(15px, 1.4vw, 19px); }
.result-note { margin: 0; max-width: 64ch; font-size: 13.5px; line-height: 1.65; color: var(--fg6); }

@media (min-width: 700px) {
  .choice-grid { grid-template-columns: 1fr 1fr; }
  .field-row-3 { grid-template-columns: 2fr 1fr 1fr; }
  .apply-summary { grid-template-columns: 180px 1fr; }
  .apply-summary dt { margin: 0; padding: 16px 0; border-bottom: 1px solid var(--fg12); }
  .apply-summary dd { margin: 0; padding: 16px 0; }
  .result-grid { grid-template-columns: repeat(4, 1fr); }
}
@media (min-width: 1100px) {
  .apply-shell { grid-template-columns: 220px 1fr; }
  .apply-steps { flex-direction: column; gap: 0; border-top: 0; border-left: 1px solid var(--fg12); position: sticky; top: 120px; }
  .apply-steps li { padding: 14px 0 14px 20px; border-top: 0; border-left: 2px solid transparent; margin: 0 0 0 -1px; }
  .apply-steps li.is-done { border-left-color: var(--ac45); }
  .apply-steps li.is-active { border-left-color: var(--accent); }
}