/* Lead sites — shared stylesheet. These tokens are the defaults; a site overrides any of them
   from its config (tokens), which the layout prints after this file. */
:root{
  --paper:oklch(0.978 0.006 75);
  --paper-2:oklch(0.952 0.009 75);
  --card:oklch(0.995 0.003 75);
  --ink:oklch(0.24 0.022 255);
  --ink-2:oklch(0.40 0.02 255);
  --ink-3:oklch(0.54 0.016 255);
  --rule:oklch(0.88 0.01 75);
  --rule-2:oklch(0.80 0.012 75);
  --accent:oklch(0.50 0.14 35);
  --accent-deep:oklch(0.42 0.13 35);
  --accent-wash:oklch(0.95 0.025 40);
  --ok:oklch(0.48 0.10 155);
  --display:'Archivo','Helvetica Neue',Arial,sans-serif;
  --display-stretch:87.5%;
  --body:'Albert Sans','Helvetica Neue',Arial,sans-serif;
  --s1:4px;--s2:8px;--s3:12px;--s4:16px;--s5:24px;--s6:32px;--s7:48px;--s8:64px;--s9:96px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,p,ul,ol,figure{margin:0}
ul,ol{padding:0;list-style:none}
a{color:inherit}
h1,h2,h3{font-family:var(--display);font-stretch:var(--display-stretch);letter-spacing:-.015em;line-height:1.12;text-wrap:balance}
.wrap{width:min(1160px,100% - 40px);margin-inline:auto}
@media (max-width:480px){.wrap{width:calc(100% - 32px)}}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:50;background:var(--ink);color:var(--paper);padding:8px 12px}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px}

/* header */
.top{position:sticky;top:0;z-index:20;background:color-mix(in oklch,var(--paper) 94%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--rule)}
.top-in{display:flex;align-items:center;gap:var(--s6);min-height:64px}
.brand{display:inline-flex;align-items:stretch;text-decoration:none;font-family:var(--display);font-stretch:var(--display-stretch);white-space:nowrap;line-height:1}
.brand-mark{display:grid;place-items:center;padding:7px 8px 6px;background:var(--ink);color:var(--paper);font-weight:800;font-size:15px;letter-spacing:.06em}
.brand-word{display:grid;place-items:center;padding:7px 10px 6px;border:1px solid var(--ink);border-left:0;font-weight:600;font-size:15px;letter-spacing:.08em;text-transform:uppercase}
.top-nav{display:flex;align-items:center;gap:var(--s5);margin-left:auto;font-size:15px;font-weight:500}
.top-nav a{text-decoration:none;color:var(--ink-2);padding:8px 0}
.top-nav a:hover,.top-nav a.on{color:var(--ink)}
.top-nav > a.on,.nav-group > a.on{box-shadow:inset 0 -2px 0 var(--accent)}
.nav-group{position:relative}
.nav-menu{position:absolute;top:100%;left:-16px;display:grid;grid-template-columns:repeat(2,max-content);gap:0 var(--s4);padding:12px;background:var(--card);border:1px solid var(--rule-2);border-radius:8px;box-shadow:0 18px 40px -24px oklch(0.24 0.022 255 / .4);opacity:0;visibility:hidden;transform:translateY(-4px);transition:opacity .14s ease,transform .14s ease,visibility .14s}
.nav-group:hover .nav-menu,.nav-group:focus-within .nav-menu{opacity:1;visibility:visible;transform:none}
.nav-menu a{display:block;padding:8px 10px;border-radius:5px;color:var(--ink)}
.nav-label{display:block;padding:6px 10px 8px;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3)}
.nav-menu a:hover{background:var(--paper-2)}
.top-cta{display:flex;align-items:center;gap:var(--s4)}
.top-phone{font-weight:600;font-size:15px;text-decoration:none;white-space:nowrap}
.sub-nav{display:none;border-top:1px solid var(--rule);overflow-x:auto;scrollbar-width:none}
.sub-nav::-webkit-scrollbar{display:none}
.sub-nav-in{display:flex;gap:var(--s5);width:max-content;min-width:0;margin:0;padding-inline:20px;font-size:14.5px;font-weight:500}
.sub-nav a{flex:none;padding:10px 0;text-decoration:none;color:var(--ink-2)}
@media (max-width:980px){.top-nav{display:none}.top-cta{margin-left:auto}.sub-nav{display:block}}
@media (max-width:520px){.top-phone{display:none}.top-in{gap:var(--s3);min-height:56px}.brand{min-width:0}.brand-mark,.brand-word{font-size:13.5px;padding-inline:7px}.top-cta .btn-sm{padding:0 12px}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border:1px solid transparent;border-radius:6px;font-family:var(--body);font-size:16px;font-weight:600;text-decoration:none;cursor:pointer;transition:background-color .15s ease,border-color .15s ease,transform .1s ease}
.btn:active{transform:scale(.98)}
.btn-sm{min-height:40px;padding:0 16px;font-size:15px}
.btn-block{width:100%}
.btn-solid{background:var(--accent);color:oklch(0.99 0.005 75)}
.btn-solid:hover{background:var(--accent-deep)}
.btn-line{border-color:var(--ink);color:var(--ink)}
.btn-line:hover{background:var(--ink);color:var(--paper)}
.btn-light{background:var(--paper);color:var(--ink)}
.btn-light:hover{background:oklch(1 0 0)}
.btn-ghost{border-color:color-mix(in oklch,var(--paper) 45%,transparent);color:var(--paper)}
.btn-ghost:hover{border-color:var(--paper)}

/* hero */
.hero{padding:var(--s8) 0 var(--s9);border-bottom:1px solid var(--rule)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:var(--s8);align-items:start}
.kicker{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:var(--s4)}
.hero h1{font-size:clamp(2.1rem,1.2rem + 3.4vw,3.6rem);font-weight:700;letter-spacing:-.025em;line-height:1.04}
.lede{margin-top:var(--s5);font-size:clamp(1.05rem,1rem + .3vw,1.2rem);color:var(--ink-2);max-width:60ch}
.proof{margin-top:var(--s6);border-top:1px solid var(--rule-2)}
.proof li{display:grid;grid-template-columns:150px 1fr;gap:var(--s4);padding:14px 0;border-bottom:1px solid var(--rule);font-size:15.5px}
.proof strong{font-family:var(--display);font-stretch:var(--display-stretch);font-weight:700}
.proof span{color:var(--ink-2)}
.hero-call{margin-top:var(--s5);font-size:15.5px;color:var(--ink-2)}
.hero-call a,.proof a{font-weight:600;color:var(--ink)}
.hero-form,.svc-side{scroll-margin-top:96px}
@media (max-width:980px){
  .hero{padding:var(--s6) 0 var(--s8)}
  .hero-grid{grid-template-columns:1fr;gap:var(--s6)}
  .proof li{grid-template-columns:1fr;gap:2px}
}

/* home hero: a lit house at dusk behind the pitch, the form on a card in front of it */
.hero-warm{position:relative;isolation:isolate;padding:clamp(48px,7vw,104px) 0 clamp(64px,8vw,120px);background:var(--ink);color:var(--paper);border-bottom:0}
.hero-bg{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover;object-position:50% 42%}
.hero-warm::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,oklch(0.17 0.025 255 / .88) 0%,oklch(0.17 0.025 255 / .66) 30%,oklch(0.17 0.025 255 / .18) 56%,oklch(0.17 0.025 255 / .40) 100%)}
.hero-warm .hero-grid{align-items:center}
.hero-warm .kicker{color:oklch(0.84 0.10 60)}
.hero-warm h1{font-size:clamp(2.2rem,1.2rem + 3.6vw,3.9rem);text-shadow:0 2px 28px oklch(0.12 0.025 255 / .85)}
.hero-warm .lede,.hero-warm .hero-ticks,.hero-warm .hero-call{text-shadow:0 1px 14px oklch(0.12 0.025 255 / .9)}
.hero-warm .lede{color:color-mix(in oklch,var(--paper) 90%,var(--ink));max-width:50ch}
.hero-ticks{display:grid;gap:10px;margin-top:var(--s6)}
.hero-ticks li{position:relative;padding-left:34px;font-size:1.02rem;font-weight:500}
.hero-ticks li::before{content:"";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;background:oklch(0.84 0.10 60)}
.hero-ticks li::after{content:"";position:absolute;left:7px;top:8px;width:8px;height:5px;border-left:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(-45deg)}
.hero-warm .hero-call{margin-top:var(--s6);color:color-mix(in oklch,var(--paper) 82%,var(--ink))}
.hero-warm .hero-call a{color:var(--paper)}
.hero-warm .form-card{color:var(--ink);border-color:transparent;box-shadow:0 30px 70px -30px oklch(0.1 0.02 255 / .85)}
@media (max-width:980px){
  .hero-warm::before{background:linear-gradient(180deg,oklch(0.17 0.025 255 / .72) 0%,oklch(0.17 0.025 255 / .9) 55%,oklch(0.17 0.025 255 / .94) 100%)}
  .hero-bg{object-position:50% 0;height:62%}
}

/* inner page head */
.page-head{padding:var(--s8) 0;background:var(--ink);color:var(--paper)}
.page-head h1{font-size:clamp(2rem,1.3rem + 2.6vw,3.2rem);font-weight:700;letter-spacing:-.025em;line-height:1.06;max-width:26ch}
.page-head .lede{color:color-mix(in oklch,var(--paper) 80%,var(--ink));max-width:54ch}
.page-head .btn{margin-top:var(--s6)}
.page-head-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:var(--s8);align-items:center}
.page-head-grid .photo{box-shadow:0 30px 60px -30px oklch(0.1 0.02 255 / .9)}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:var(--s4);font-size:14px;color:var(--ink-3)}
.crumbs a{color:var(--ink-2);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-head .crumbs,.hero-request .crumbs{color:color-mix(in oklch,var(--paper) 55%,var(--ink))}
.page-head .crumbs a,.hero-request .crumbs a{color:color-mix(in oklch,var(--paper) 78%,var(--ink))}
@media (max-width:900px){.page-head{padding:var(--s7) 0}.page-head-grid{grid-template-columns:1fr;gap:var(--s6)}.page-head-grid .photo{max-width:560px;aspect-ratio:16 / 9}}
/* the request and lender pages carry a form in their header, on the same dark band */
.hero-request{background:var(--ink);color:var(--paper);border-bottom:0}
.hero-request .lede{color:color-mix(in oklch,var(--paper) 82%,var(--ink))}
.hero-request .proof{border-top-color:color-mix(in oklch,var(--paper) 30%,var(--ink))}
.hero-request .proof li{border-bottom-color:color-mix(in oklch,var(--paper) 18%,var(--ink))}
.hero-request .proof span{color:color-mix(in oklch,var(--paper) 78%,var(--ink))}
.hero-request .proof a{color:var(--paper)}
.hero-request .form-card{color:var(--ink);border-color:transparent;box-shadow:0 30px 70px -30px oklch(0.1 0.02 255 / .85)}

/* form */
.form-card{background:var(--card);border:1px solid var(--rule-2);border-radius:10px;padding:var(--s6);box-shadow:0 1px 0 var(--rule),0 18px 40px -28px oklch(0.24 0.022 255 / .35)}
.form-card .form-head h2{font-size:1.45rem;font-weight:700;letter-spacing:-.015em}
.form-head p{margin-top:6px;font-size:15px;color:var(--ink-2)}
.form-head{margin-bottom:var(--s5)}
.fld{display:flex;flex-direction:column;gap:6px;margin-bottom:var(--s4)}
.fld label{font-size:14px;font-weight:600}
.fld .opt{font-weight:400;color:var(--ink-3)}
.fld input,.fld select,.fld textarea{width:100%;min-width:0;max-width:100%;min-height:46px;padding:10px 12px;border:1px solid var(--rule-2);border-radius:6px;background:oklch(1 0 0);color:var(--ink);font:inherit;font-size:16px}
.fld textarea{min-height:92px;resize:vertical}
.fld select{appearance:none;-webkit-appearance:none;padding-right:40px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%231c2430' stroke-width='1.8'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:12px 8px}
/* Safari sizes a select's inner text box to its longest chosen option; keep that inside the field. */
.fld select{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.fld{overflow-x:clip;padding-inline:4px;margin-inline:-4px}
.fld input::placeholder,.fld textarea::placeholder{color:var(--ink-3)}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.form-fine{margin-top:var(--s3);font-size:13.5px;color:var(--ink-3);text-align:center}
.form-errors{margin-bottom:var(--s5);padding:14px 16px;border:1px solid var(--accent);border-radius:6px;background:var(--accent-wash);font-size:15px}
.form-errors ul{margin-top:6px;padding-left:18px;list-style:disc}
.form-done h2{font-size:1.6rem;font-weight:700;margin:var(--s4) 0 var(--s3)}
.form-done p{color:var(--ink-2);margin-top:var(--s2)}
.form-done a{font-weight:600;color:var(--ink)}
.done-mark{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--ok);color:oklch(0.99 0 0);font-weight:700}
.done-ref{font-size:15px}
.done-next{padding-top:var(--s4);margin-top:var(--s4) !important;border-top:1px solid var(--rule)}
@media (max-width:480px){.form-card{padding:var(--s5) 20px}}

/* three-question checker (a site's own home page may use it in place of the hero form) */
.check-q{margin:0 0 var(--s4);padding:0;border:0}
.check-q legend{padding:0;margin-bottom:var(--s2);font-size:15.5px;font-weight:600;line-height:1.35}
.check-opts{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s2)}
.check-opts label{position:relative;display:block;cursor:pointer}
.check-opts input{position:absolute;inset:0;opacity:0;cursor:pointer}
.check-opts span{display:grid;place-items:center;min-height:44px;border:1px solid var(--rule-2);border-radius:6px;background:oklch(1 0 0);font-weight:500;font-size:15px;transition:background-color .12s ease,border-color .12s ease,color .12s ease}
.check-opts input:checked + span{background:var(--ink);border-color:var(--ink);color:var(--paper)}
.check-opts input:focus-visible + span{outline:2px solid var(--accent);outline-offset:2px}
.check-results{margin-top:var(--s5);padding-top:var(--s5);border-top:1px solid var(--rule)}
.check-wait{color:var(--ink-3);font-size:15px}
.check-result + .check-result{margin-top:var(--s5);padding-top:var(--s5);border-top:1px solid var(--rule)}
.check-result h3{font-size:1.25rem;font-weight:700}
.check-result p{margin:6px 0 var(--s4);color:var(--ink-2);font-size:15.5px}
/* without the script all three outcomes are listed; with it, only the one that applies */
.check:not(.check-live) .check-wait{display:none}
.check-live .check-result + .check-result{margin-top:0;padding-top:0;border-top:0}
.split > .form-card{align-self:start}

/* sections */
.sec{padding:var(--s9) 0}
.sec-flush{padding-top:var(--s7)}
.sec-tint{background:var(--paper-2);border-block:1px solid var(--rule)}
.sec h2,.closer h2{font-size:clamp(1.8rem,1.15rem + 2.3vw,2.9rem);font-weight:700;letter-spacing:-.025em;line-height:1.06}
.sec .kicker{margin-bottom:var(--s3);color:var(--ink-3)}
.sec-head{max-width:62ch;margin-bottom:var(--s7)}
.sec-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:var(--s5);max-width:none}
.sec-head p,.sec-sub{margin-top:var(--s3);color:var(--ink-2);font-size:1.08rem}
.sec-sub a,.sec-cta a,.signs a,.qa a{font-weight:600;color:var(--ink)}
.sec-cta{margin-top:var(--s6);color:var(--ink-2);max-width:78ch}
.more{flex:none;font-weight:600;text-decoration:none;padding-bottom:4px;border-bottom:2px solid var(--accent)}
.split{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:var(--s8);align-items:start}
.split .btn{margin-top:var(--s5)}
@media (max-width:980px){.sec{padding:var(--s8) 0}.sec-flush{padding-top:var(--s6)}.split{grid-template-columns:1fr;gap:var(--s6)}.sec-head{margin-bottom:var(--s6)}}

/* dark band: lending */
.sec-ink{background:var(--ink);color:var(--paper)}
.sec-ink .kicker{color:oklch(0.78 0.11 45)}
.sec-ink .sec-head p:not(.kicker),.sec-ink .sec-sub{color:color-mix(in oklch,var(--paper) 76%,var(--ink))}
.sec-ink .sec-sub a{color:var(--paper)}
.sec-ink .signs li{border-color:color-mix(in oklch,var(--paper) 22%,var(--ink))}
.sec-ink .signs li::before{background:oklch(0.78 0.11 45)}
.lend{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:color-mix(in oklch,var(--paper) 22%,var(--ink));border:1px solid color-mix(in oklch,var(--paper) 22%,var(--ink));border-radius:10px;overflow:hidden}
.lend a{display:flex;flex-direction:column;gap:var(--s2);padding:var(--s5);background:var(--ink);text-decoration:none;transition:background-color .15s ease}
.lend a:hover{background:color-mix(in oklch,var(--paper) 7%,var(--ink))}
.lend h3{font-size:1.2rem;font-weight:700;line-height:1.2}
.lend p{color:color-mix(in oklch,var(--paper) 72%,var(--ink));font-size:15.5px}
.lend .lend-all{background:color-mix(in oklch,var(--accent) 82%,var(--ink))}
.lend .lend-all:hover{background:var(--accent)}
.lend .lend-all p{color:color-mix(in oklch,var(--paper) 86%,var(--accent))}
.lend .lend-all > span{margin-top:auto;padding-top:var(--s3);font-weight:600;font-size:14.5px}
@media (max-width:900px){.lend{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.lend{grid-template-columns:1fr}}

/* condition → report rows */
.cond{border-top:1px solid var(--ink)}
.cond a{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:var(--s5);align-items:center;padding:var(--s4) 0;border-bottom:1px solid var(--rule);text-decoration:none;transition:background-color .15s ease}
.cond a:hover{background:var(--paper-2)}
.cond-if{color:var(--ink-2)}
.cond-then{display:flex;justify-content:space-between;gap:var(--s3);font-family:var(--display);font-stretch:var(--display-stretch);font-size:1.1rem}
.cond-then span{color:var(--accent)}
@media (max-width:700px){.cond a{grid-template-columns:1fr;gap:6px}}

/* photos */
.photo{display:block;width:100%;height:auto;aspect-ratio:3 / 2;object-fit:cover;border-radius:8px;background:var(--paper-2)}
.hero-copy .photo{margin-top:var(--s6)}
.split .photo{margin-top:var(--s6)}
.path .photo{margin-bottom:var(--s3);border-radius:6px}
.lend a .photo{margin-bottom:var(--s3);border-radius:6px}
.svc-row .photo{border-radius:6px}

/* drawn figures */
.fig{--fig-bg:var(--card);--fig-accent:var(--accent);color:var(--ink)}
.fig svg{display:block;width:100%;height:auto;background:var(--fig-bg);border:1px solid var(--rule-2);border-radius:8px}
.fig svg *{vector-effect:non-scaling-stroke}
.f-l{fill:none;stroke:currentColor;stroke-width:1.6;stroke-linejoin:round}
.f-t{fill:none;stroke:currentColor;stroke-width:1;opacity:.45}
.f-fill{fill:color-mix(in oklch,currentColor 7%,transparent)}
.f-solid{fill:color-mix(in oklch,currentColor 22%,transparent)}
.f-bg{fill:var(--fig-bg)}
.f-d{stroke-dasharray:5 5}
.f-a{fill:none;stroke:var(--fig-accent);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.f-thin{stroke-width:1}
.f-heavy{stroke-width:3}
.f-af{fill:var(--fig-accent);stroke:none}
.f-hatch{fill:none;stroke:currentColor;stroke-width:1;opacity:.22}
.f-mk{fill:currentColor}
.f-mk-a{fill:var(--fig-accent)}
.f-co circle{fill:currentColor}
.f-co text{fill:var(--fig-bg);font-family:var(--body);font-size:12px;font-weight:600}
.fig-bare .f-co{display:none}
.fig figcaption ol{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:6px var(--s5);margin-top:var(--s3);font-size:14.5px;color:var(--ink-2)}
.fig figcaption li{display:flex;gap:10px;align-items:baseline}
.fig figcaption li span{flex:none;display:inline-grid;place-items:center;width:20px;height:20px;border-radius:50%;background:var(--ink);color:var(--paper);font-size:11.5px;font-weight:600}
.svc-main > .fig{margin-top:var(--s7)}
.split .fig{margin-top:var(--s6);max-width:420px}
.guide-side .fig figcaption ol{grid-template-columns:1fr}
.sec-ink .fig{--fig-bg:transparent;--fig-accent:oklch(0.78 0.11 45);color:var(--paper)}
.sec-ink .fig svg{border-color:color-mix(in oklch,var(--paper) 22%,var(--ink))}

/* situation paths */
.paths.paths-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.paths.paths-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.paths-2 .path:last-child{border-right:0}
.paths-2 .photo{aspect-ratio:16 / 9}
.paths-3 .path:last-child{border-right:0}
.paths{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--rule-2);border-radius:10px;background:var(--card);overflow:hidden}
.path{display:flex;flex-direction:column;gap:var(--s2);padding:var(--s5);text-decoration:none;border-right:1px solid var(--rule);transition:background-color .15s ease}
.path:last-child{border-right:0}
.path:hover{background:var(--accent-wash)}
.path h3{font-size:1.2rem;font-weight:700;line-height:1.2}
.path p{color:var(--ink-2);font-size:15.5px}
.path-go{margin-top:auto;padding-top:var(--s4);font-size:14.5px;font-weight:600;color:var(--ink)}
.path-go span{color:var(--accent)}
@media (max-width:980px){.paths{grid-template-columns:1fr 1fr}.path:nth-child(2){border-right:0}.path:nth-child(-n+2){border-bottom:1px solid var(--rule)}.paths.paths-3{grid-template-columns:1fr}.paths-3 .path{border-right:0;border-bottom:1px solid var(--rule)}.paths-3 .path:last-child{border-bottom:0}}
@media (max-width:560px){.paths{grid-template-columns:1fr}.path{border-right:0;border-bottom:1px solid var(--rule)}.path:last-child{border-bottom:0}}

/* crack figure */
.cracks{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s6)}
.crack svg{display:block;width:100%;height:auto;border-radius:6px}
.crack-wall{fill:var(--card);stroke:var(--rule-2);stroke-width:1.5}
.crack-joint{stroke:var(--rule);stroke-width:1}
.crack-line{fill:none;stroke:var(--accent);stroke-width:2.6;stroke-linejoin:miter;stroke-linecap:square}
.crack figcaption{display:flex;flex-direction:column;gap:4px;margin-top:var(--s4)}
.crack figcaption strong{font-family:var(--display);font-stretch:var(--display-stretch);font-size:1.15rem;font-weight:700}
.crack figcaption span{color:var(--ink-2);font-size:15.5px}
.crack figcaption .crack-verdict{font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-deep)}
@media (max-width:760px){.cracks{grid-template-columns:1fr;max-width:420px}}

/* services list (home) and rows (services page) */
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--s6) var(--s5)}
.tile{display:flex;flex-direction:column;text-decoration:none}
.tile .photo{margin-bottom:var(--s3);transition:transform .2s ease}
.tile:hover .photo{transform:translateY(-3px)}
.tile h3{font-size:1.15rem;font-weight:700;line-height:1.2}
.tile:hover h3{text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:4px}
.tile p{margin-top:6px;color:var(--ink-2);font-size:15.5px}
.tile-ask{justify-content:center;padding:var(--s5);background:var(--paper-2);border:1px solid var(--rule);border-radius:8px}
.tile-ask > span{margin-top:var(--s4);font-weight:600}
.tile-ask > span span{color:var(--accent)}
@media (max-width:980px){.tiles{grid-template-columns:1fr 1fr}}
@media (prefers-reduced-motion:reduce){.tile:hover .photo{transform:none}}
.svc-rows{border-top:1px solid var(--ink)}
.svc-row{display:grid;grid-template-columns:200px 1fr 32px;gap:var(--s5);align-items:center;padding:var(--s5) 0;border-bottom:1px solid var(--rule);text-decoration:none;transition:background-color .15s ease}
.svc-row:hover{background:var(--paper-2)}
.svc-row h3{font-size:1.4rem;letter-spacing:-.015em}
.svc-group{margin:var(--s8) 0 var(--s4)}
.svc-group:first-child{margin-top:0}
.svc-group p{margin-top:var(--s2);color:var(--ink-2)}
.svc-row p{margin-top:6px;color:var(--ink-2);max-width:72ch}
.svc-go{font-size:20px;color:var(--accent);padding-top:2px}
@media (max-width:620px){.svc-row{grid-template-columns:96px 1fr;gap:var(--s4)}.svc-go{display:none}.svc-row h3{font-size:1.15rem}}

/* ruled lists */
.signs li{position:relative;padding:14px 0 14px 30px;border-bottom:1px solid var(--rule-2);font-size:1.02rem}
.signs li:first-child{border-top:1px solid var(--rule-2)}
.signs li::before,.ticks li::before{content:"";position:absolute;left:4px;top:24px;width:12px;height:2px;background:var(--ink-3)}
.ticks li{position:relative;padding:8px 0 8px 28px;color:var(--ink-2)}
.ticks li::before{top:20px;left:2px}

@media (min-width:621px){.signs-cols{columns:2;column-gap:var(--s7)}.signs-cols li{break-inside:avoid}}
.sec-head a.inline{font-weight:600;color:var(--ink)}
/* a heading intro that ends in a link stays on one line where there is room for it */
.sec-head a.inline{white-space:nowrap}
@media (min-width:1040px){.sec-head:has(a.inline){max-width:none}.sec-head:has(a.inline) p{white-space:nowrap}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s6)}
.steps li{padding-top:var(--s5);border-top:2px solid var(--ink)}
.step-n{font-family:var(--display);font-stretch:var(--display-stretch);font-weight:800;font-size:2rem;line-height:1;color:var(--ink)}
.steps h2,.steps h3{margin-top:var(--s3);font-size:1.3rem;font-weight:700;letter-spacing:-.015em}
.steps p{margin-top:var(--s3);color:var(--ink-2);font-size:16px}
.steps a{font-weight:600;color:var(--ink)}
@media (max-width:760px){.steps{grid-template-columns:1fr;gap:var(--s5)}}

/* service page */
.svc-page{display:grid;grid-template-columns:minmax(0,1fr) 420px;gap:var(--s8);align-items:start}
.svc-side{position:sticky;top:88px}
.svc-page > *,.hero-grid > *{min-width:0}
.answer{padding:var(--s5) var(--s5) var(--s5);background:var(--accent-wash);border:1px solid color-mix(in oklch,var(--accent) 28%,var(--rule));border-radius:8px}
.answer h2{font-size:1.35rem;letter-spacing:-.015em}
.answer p{margin-top:var(--s2);font-size:1.1rem}
.answer .answer-where{margin-top:var(--s3);padding-top:var(--s3);border-top:1px solid color-mix(in oklch,var(--accent) 28%,var(--rule));font-size:15px;color:var(--ink-2)}
.block{margin-top:var(--s7)}
.block h2{font-size:1.45rem;letter-spacing:-.015em;padding-bottom:var(--s3);margin-bottom:var(--s3);border-bottom:1px solid var(--ink)}
.block.two{display:grid;grid-template-columns:1fr 1fr;gap:var(--s6)}
.block-text{color:var(--ink-2)}
.block .signs li:first-child{border-top:0}
.ticks a.city{font-weight:500}
.signs a{text-decoration-color:var(--accent);text-underline-offset:3px}
.block-text a,.ticks a{font-weight:600;color:var(--ink);text-decoration-color:var(--accent);text-underline-offset:3px}
.qa{display:grid;gap:var(--s5)}
.qa h3{font-size:1.12rem;font-weight:700;line-height:1.25}
.qa p{margin-top:6px;color:var(--ink-2)}
.qa-3{grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s6)}
.qa-3 > div{padding-top:var(--s4);border-top:2px solid var(--ink)}
.link-rows a{display:grid;gap:2px;padding:14px 0;border-bottom:1px solid var(--rule);text-decoration:none}
.link-rows a:hover strong{text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:4px}
.link-rows strong{font-family:var(--display);font-stretch:var(--display-stretch);font-size:1.08rem;font-weight:700}
.link-rows span{color:var(--ink-2);font-size:15.5px}
.link-rows-2{display:grid;grid-template-columns:1fr 1fr;column-gap:var(--s8);border-top:1px solid var(--ink)}
/* one column: the form moves up to sit right under the opening answer */
@media (max-width:1040px){
  .svc-page{grid-template-columns:1fr;gap:0}
  .svc-main{display:contents}
  .svc-main > *{order:3}
  .svc-main > .answer{order:1}
  .svc-side{position:static;order:2;margin-top:var(--s6)}
}
@media (max-width:760px){.block.two,.qa-3,.link-rows-2{grid-template-columns:1fr}}

/* guides */
.guide-list{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--s5)}
.guide-list-all{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 var(--s8);border-top:1px solid var(--ink)}
.guide-card{display:block;padding:var(--s5);background:var(--card);border:1px solid var(--rule-2);border-radius:8px;text-decoration:none;transition:border-color .15s ease,transform .15s ease}
.guide-card:hover{border-color:var(--accent);transform:translateY(-2px)}
.guide-card h2,.guide-card h3{font-size:1.15rem;font-weight:700;line-height:1.22;letter-spacing:-.01em}
.guide-card p{margin-top:var(--s2);color:var(--ink-2);font-size:15.5px}
.guide-list-all .guide-card{display:grid;grid-template-columns:112px 1fr;gap:var(--s4);align-items:center;padding:var(--s4) 0;background:none;border:0;border-bottom:1px solid var(--rule);border-radius:0}
.guide-list-all .guide-card-plain{grid-template-columns:1fr;align-items:start;padding:var(--s5) 0}
.guide-list-all .guide-card:hover{transform:none}
.guide-list-all .guide-card:hover h3{text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:4px}
.guide-list-all .guide-card h3{font-size:1.3rem}
@media (max-width:980px){.guide-list{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.guide-list,.guide-list-all{grid-template-columns:1fr}.sec-head-row{flex-direction:column;align-items:flex-start}}
@media (prefers-reduced-motion:reduce){.guide-card:hover{transform:none}}

.guide-page{display:grid;grid-template-columns:minmax(0,68ch) minmax(280px,360px);justify-content:space-between;gap:var(--s8);align-items:start}
.guide-side{position:sticky;top:88px;display:grid;gap:var(--s5)}
.side-box{padding:var(--s5);background:var(--card);border:1px solid var(--rule-2);border-radius:8px}
.side-box h2{font-size:1.15rem;letter-spacing:-.01em;margin-bottom:var(--s2)}
.side-box p{color:var(--ink-2);font-size:15.5px;margin-bottom:var(--s4)}
.side-box .link-rows a:last-child{border-bottom:0;padding-bottom:0}
.side-phone{display:block;margin-top:var(--s3);text-align:center;font-size:15px;font-weight:600}
.prose{font-size:1.06rem}
.prose h2{font-size:1.5rem;letter-spacing:-.015em;margin:var(--s7) 0 var(--s3)}
.prose > h2:first-child{margin-top:0}
.prose h2:first-child + p{font-size:1.18rem;color:var(--ink)}
.prose h3{font-size:1.15rem;margin:var(--s5) 0 var(--s2)}
.prose p{margin-bottom:var(--s4);color:var(--ink-2)}
.prose ul,.prose ol{margin:0 0 var(--s4);padding-left:22px;color:var(--ink-2)}
.prose ul{list-style:disc}
.prose ol{list-style:decimal}
.prose li{margin-bottom:6px}
.prose li::marker{color:var(--ink-3)}
.prose a{color:var(--ink);font-weight:600;text-decoration-color:var(--accent);text-underline-offset:3px}
.prose strong{color:var(--ink)}
@media (max-width:980px){.guide-page{grid-template-columns:1fr}.guide-side{position:static}}

/* area */
.area{display:grid;grid-template-columns:1fr 1fr;gap:var(--s6)}
.area h2,.area h3{font-size:1.15rem;font-weight:700;letter-spacing:-.01em;padding-bottom:var(--s2);border-bottom:2px solid var(--ink)}
.area p{margin-top:var(--s3);color:var(--ink-2)}
.area-big{gap:var(--s8)}
.area-big h2{font-size:1.5rem}
.area-big .ticks{margin-top:var(--s2)}
@media (max-width:620px){.area{grid-template-columns:1fr}}

/* closing band */
.closer{background:var(--ink);color:var(--paper);padding:var(--s9) 0}
.closer-in{max-width:760px}
.closer p{margin-top:var(--s3);font-size:1.1rem;color:color-mix(in oklch,var(--paper) 78%,var(--ink))}
.closer-btns{display:flex;flex-wrap:wrap;gap:var(--s3);margin-top:var(--s6)}

/* footer */
.foot{border-top:1px solid var(--rule);padding:var(--s8) 0 var(--s6);font-size:15px;color:var(--ink-2)}
.foot-grid{display:grid;grid-template-columns:1.3fr 1.15fr 1.3fr 1.15fr .75fr;gap:var(--s6)}
.foot-about p{max-width:36ch;margin-top:var(--s4)}
.foot-phone{display:inline-block;margin-top:var(--s3);font-weight:600;color:var(--ink);text-decoration:none}
.foot h2{font-family:var(--body);font-stretch:normal;font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3);margin-bottom:var(--s3)}
.foot li{margin-bottom:8px}
.foot li a{text-decoration:none}
.foot li a:hover{text-decoration:underline}
.foot-credit a{color:inherit;text-decoration:underline;text-underline-offset:3px}
.foot-fine{display:flex;justify-content:space-between;flex-wrap:wrap;gap:var(--s2) var(--s5);margin-top:var(--s7);padding-top:var(--s4);border-top:1px solid var(--rule);font-size:13px;color:var(--ink-3)}
@media (max-width:1040px){.foot-grid{grid-template-columns:1fr 1fr 1fr}.foot-about{grid-column:1 / -1}}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr;gap:var(--s6) var(--s5)}.foot{padding-top:var(--s7);font-size:14.5px}.foot li{margin-bottom:6px}}


/* phone: the home page is a long stack of photo cards unless they turn into compact rows */
@media (max-width:620px){
  /* pitch, then the form, then the reassurance */
  .hero-warm .hero-grid{gap:0}
  .hero-warm .hero-copy{display:contents}
  .hero-warm .kicker{order:1}
  .hero-warm h1{order:2}
  .hero-warm .lede{order:3;margin-top:var(--s4)}
  .hero-warm .hero-form{order:4;margin-top:var(--s5)}
  .hero-warm .hero-ticks{order:5;margin-top:var(--s6)}
  .hero-warm .hero-call{order:6;margin-top:var(--s4)}
  .hero-warm{padding:var(--s6) 0 var(--s7)}
  .hero-bg{height:420px}

  .sec{padding:var(--s7) 0}
  .path,.lend a:not(.lend-all){display:grid;grid-template-columns:104px minmax(0,1fr);column-gap:14px;align-items:start;padding:var(--s4)}
  .path .photo,.lend a .photo{grid-row:1 / span 3;margin:0}
  .path h3,.lend h3{font-size:1.05rem}
  .path p,.lend p{font-size:14.5px}
  .path-go{padding-top:6px;font-size:13.5px}

  .tiles{grid-template-columns:1fr 1fr;gap:var(--s5) var(--s4)}
  .tile h3{font-size:1rem}
  .tile:not(.tile-ask) p{display:none}
  .tile-ask{padding:var(--s4)}

  .crack{display:grid;grid-template-columns:120px minmax(0,1fr);gap:14px;align-items:center}
  .crack figcaption{margin-top:0}
  .cracks{max-width:none;gap:var(--s5)}

  .guide-list:not(.guide-list-all) .guide-card{padding:var(--s4)}
  .guide-list:not(.guide-list-all) .guide-card:nth-child(n+5){display:none}
  .guide-list:not(.guide-list-all){gap:var(--s3)}

  .closer{padding:var(--s8) 0}
  .closer-btns .btn{width:100%}

  /* the request and lender pages: the form straight after the pitch, details below it */
  .hero-request{padding:var(--s6) 0 var(--s7)}
  .hero-request .hero-grid{gap:0}
  .hero-request .hero-copy{display:contents}
  .hero-request .crumbs{order:1}
  .hero-request h1{order:2}
  .hero-request .lede{order:3;margin-top:var(--s4)}
  .hero-request .hero-form{order:4;margin-top:var(--s5)}
  .hero-request .proof{order:5;margin-top:var(--s6)}
  .hero-request .photo{display:none}

  .path-go{display:none}
  .svc-row{align-items:start}
  .svc-row p{display:-webkit-box;-webkit-box-orient:vertical;-webkit-line-clamp:3;line-clamp:3;overflow:hidden;font-size:15px}
  .page-head{padding:var(--s6) 0 var(--s7)}
  .page-head .btn{width:100%}
}