/* Nevem Resources — site sections (loads after forms.css, uses its tokens) */

/* ── Top bar ───────────────────────────────────────── */
.topbar { background: var(--bg-2); border-bottom: 1px solid var(--border); font-size: 13px; }
.tb { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.tb-social { display: flex; gap: 14px; }
.tb-social a { color: var(--muted); display: inline-flex; }
.tb-social a:hover { color: var(--gold-text); }
.tb-social svg { width: 15px; height: 15px; }
.tb-contact { display: flex; gap: 20px; }
.tb-contact a { color: var(--muted); text-decoration: none; }
.tb-contact a:hover { color: var(--text); }
@media (max-width: 560px) { .tb-contact a + a { display: none; } }

/* ── Main nav with dropdowns ───────────────────────── */
.hdr { gap: 20px; }
.nav { display: block; margin-left: auto; }
.menu { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.menu > li { position: relative; }
.menu > li > a {
  display: inline-flex; align-items: center; gap: 6px; padding: 10px 12px;
  color: var(--muted); text-decoration: none; font-size: 14px; font-weight: 600; border-radius: 6px;
}
.menu > li > a:hover, .menu > li:focus-within > a, .menu > li > a[aria-current="page"] { color: var(--text); }
.menu > li > a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.caret { width: 10px; height: 10px; transition: transform .15s; }
.sub {
  list-style: none; margin: 0; padding: 8px; position: absolute; top: 100%; left: 0; min-width: 250px;
  background: var(--surface); border: 1px solid var(--border); border-radius: 10px;
  box-shadow: 0 18px 40px rgba(0,0,0,.28); opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .15s, transform .15s, visibility .15s; z-index: 30;
}
.has-sub:hover .sub, .has-sub:focus-within .sub { opacity: 1; visibility: visible; transform: none; }
.has-sub:hover .caret, .has-sub:focus-within .caret { transform: rotate(180deg); }
.sub a { display: block; padding: 9px 12px; border-radius: 6px; color: var(--text); text-decoration: none; font-size: 14px; }
.sub a:hover { background: var(--surface-2); color: var(--gold-light); }
.sub .sub-label { padding: 12px 12px 4px; font-size: 11px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-text); border-top: 1px solid var(--border); margin-top: 6px; }
.sub .indent a { padding-left: 24px; color: var(--muted); }
.burger { display: none; width: 42px; height: 42px; border: 1px solid var(--border-2); border-radius: 8px; background: transparent; color: var(--text); cursor: pointer; place-items: center; }
.burger svg { width: 20px; height: 20px; }
@media (max-width: 1080px) {
  .burger { display: grid; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--surface); border-bottom: 1px solid var(--border); max-height: calc(100vh - 110px); overflow-y: auto; }
  .site-header { position: sticky; }
  .site-header.nav-open .nav { display: block; }
  .menu { flex-direction: column; align-items: stretch; padding: 10px 16px 18px; gap: 0; }
  .menu > li > a { display: flex; padding: 13px 4px; border-bottom: 1px solid var(--border); border-radius: 0; justify-content: space-between; }
  .menu > li > a[aria-current="page"] { box-shadow: none; color: var(--gold-text); }
  .sub { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 4px 0 8px 12px; min-width: 0; background: transparent; }
  .caret { display: none; }
  .hdr .theme-toggle { margin-left: auto; }
  .hdr > .btn.gold { display: none; }
}
@media (min-width: 1081px) { .hdr .theme-toggle { margin-left: 4px; } }

/* ── Generic section rhythm ────────────────────────── */
.section { padding-block: clamp(56px, 8vw, 96px); }
.section.alt { background: var(--bg-2); border-block: 1px solid var(--border); }
.section-head { max-width: 720px; margin-bottom: 40px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section h2, .h2 { margin: 0; font: 600 clamp(32px, 4.2vw, 48px)/1.08 var(--serif); letter-spacing: -.01em; text-wrap: balance; }
.section-head p, .prose p { color: var(--muted); font-size: 17px; }
.section-head p { margin: 16px 0 0; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.fine-print { margin-top: 14px; color: var(--dim); font-size: 13px; }

/* hero (home + inner) */
.hero.home { padding: clamp(64px, 9vw, 110px) 0 clamp(56px, 7vw, 84px); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(32px, 5vw, 64px); align-items: center; }
@media (max-width: 920px) { .hero-grid { grid-template-columns: 1fr; } }
.hero.home h1 { max-width: 15ch; font-size: clamp(42px, 6vw, 72px); }
.hero .btn-row { margin-top: 30px; }
.hero-note { margin-top: 18px; color: var(--dim); font-size: 13px; display: flex; align-items: center; gap: 10px; }
.hero-note .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }

.checks { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 11px; }
.checks li { position: relative; padding-left: 32px; color: var(--text); font-size: 16px; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold-tint); border: 1px solid var(--gold);
}
.checks li::after {
  content: ""; position: absolute; left: 7px; top: 8px; width: 7px; height: 4px;
  border: 2px solid var(--gold-text); border-top: 0; border-right: 0; transform: rotate(-45deg);
}
.checks.two { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 24px; }
@media (max-width: 640px) { .checks.two { grid-template-columns: 1fr; } }

/* term sheet card (hero visual) */
.term-card {
  position: relative; background: var(--surface); border: 1px solid var(--border); border-radius: 16px;
  padding: 26px; box-shadow: var(--shadow), 0 30px 60px rgba(0,0,0,.18);
}
.term-card::before { content: ""; position: absolute; inset: -1px -1px auto; height: 3px; border-radius: 16px 16px 0 0; background: linear-gradient(90deg, var(--gold-deep), var(--gold-light), var(--gold-deep)); }
.tc-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; padding-bottom: 16px; border-bottom: 1px dashed var(--border-2); }
.tc-head small { display: block; color: var(--dim); font-size: 11px; letter-spacing: .18em; text-transform: uppercase; font-weight: 700; }
.tc-head strong { display: block; margin-top: 4px; font: 600 26px/1.1 var(--serif); }
.pill-ok { flex: none; padding: 6px 12px; border-radius: 999px; background: var(--gold-tint); border: 1px solid var(--gold); color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .04em; }
.tc-rows { margin: 0; padding: 14px 0 0; display: grid; gap: 0; }
.tc-rows div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.tc-rows div:last-child { border-bottom: 0; }
.tc-rows dt { color: var(--muted); }
.tc-rows dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.tc-foot { margin-top: 14px; display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 14px 16px; border-radius: 10px; background: var(--bg-2); border: 1px solid var(--border); font-size: 13px; color: var(--muted); }
.tc-foot b { color: var(--gold-light); font-size: 15px; }
.tc-sample { margin-top: 10px; text-align: right; font-size: 11px; color: var(--dim); }

/* quick-facts strip */
.facts { border-block: 1px solid var(--border); background: var(--bg-2); }
.facts-row { display: grid; grid-template-columns: repeat(4, 1fr); }
.fact { padding: 22px 20px; border-left: 1px solid var(--border); }
.fact:first-child { border-left: 0; }
.fact strong { display: block; font: 600 28px/1.1 var(--serif); color: var(--gold-light); }
.fact span { color: var(--muted); font-size: 13px; }
@media (max-width: 760px) { .facts-row { grid-template-columns: 1fr 1fr; } .fact:nth-child(3) { border-left: 0; } .fact:nth-child(n+3) { border-top: 1px solid var(--border); } }

/* split blocks */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(32px, 6vw, 80px); align-items: center; }
.split.flip > :first-child { order: 2; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } .split.flip > :first-child { order: 0; } }
.split .prose p { margin: 16px 0 0; }

/* line-art visuals */
.art {
  position: relative; aspect-ratio: 5 / 4; max-width: 100%; border-radius: 16px; overflow: hidden;
  color: var(--gold); background-color: var(--surface);
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 28px 28px; border: 1px solid var(--border); box-shadow: var(--shadow);
}
.art::after { content: ""; position: absolute; inset: 0; background: radial-gradient(70% 60% at 50% 40%, transparent, var(--surface) 95%); }
.art svg { position: absolute; inset: 8% 8%; width: 84%; height: 84%; z-index: 1; }
.art .tag { position: absolute; z-index: 2; left: 18px; bottom: 16px; padding: 6px 12px; border-radius: 999px; background: var(--surface); border: 1px solid var(--border-2); color: var(--muted); font-size: 12px; font-weight: 600; }

/* process steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; counter-reset: st; }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.steps li { counter-increment: st; position: relative; padding: 26px 24px 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; }
.steps li::before { content: "Step " counter(st); display: block; color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; }
.steps h3 { margin: 10px 0 6px; font: 600 24px/1.15 var(--serif); }
.steps p { margin: 0; color: var(--muted); font-size: 15px; }

/* numbered value cards */
.cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.cards.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 980px) { .cards, .cards.three { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .cards, .cards.three { grid-template-columns: 1fr; } }
.card { padding: 28px 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; }
.card .num { font: 600 15px/1 var(--sans); color: var(--gold-text); letter-spacing: .08em; }
.card h3 { margin: 16px 0 8px; font: 600 24px/1.15 var(--serif); }
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.card ul { margin: 0; padding-left: 18px; color: var(--muted); font-size: 15px; }
.card ul li + li { margin-top: 6px; }
a.card { text-decoration: none; color: var(--text); transition: border-color .2s, transform .2s; }
a.card:hover { border-color: var(--gold); transform: translateY(-2px); }
a.card .more { display: inline-block; margin-top: 16px; color: var(--gold-light); font-weight: 700; font-size: 14px; }

/* stats band */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--border); border-radius: 16px; overflow: hidden; background: var(--surface); }
.stat { padding: 34px 28px; border-left: 1px solid var(--border); }
.stat:first-child { border-left: 0; }
.stat strong { display: block; font: 600 clamp(40px, 5vw, 58px)/1 var(--serif); color: var(--gold-light); font-variant-numeric: tabular-nums; }
.stat span { display: block; margin-top: 10px; color: var(--muted); font-size: 15px; }
@media (max-width: 700px) { .stats { grid-template-columns: 1fr; } .stat { border-left: 0; border-top: 1px solid var(--border); } .stat:first-child { border-top: 0; } }
.stats-note { margin-top: 18px; color: var(--muted); text-align: center; }

/* reviews placeholder */
.reviews-box { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 2fr); gap: 28px; align-items: center; padding: 32px; border: 1px dashed var(--border-2); border-radius: 16px; background: var(--surface); }
@media (max-width: 800px) { .reviews-box { grid-template-columns: 1fr; } }
.stars { color: var(--gold); letter-spacing: 3px; font-size: 22px; }
.reviews-box h3 { margin: 8px 0 6px; font: 600 28px/1.15 var(--serif); }
.reviews-box p { margin: 0; color: var(--muted); }
.review-slots { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 640px) { .review-slots { grid-template-columns: 1fr; } }
.slot { padding: 18px; border-radius: 12px; background: var(--bg-2); border: 1px solid var(--border); min-height: 130px; display: flex; flex-direction: column; gap: 10px; }
.slot .line { height: 8px; border-radius: 4px; background: var(--border); }
.slot .line.short { width: 55%; }
.slot .who { margin-top: auto; display: flex; align-items: center; gap: 10px; }
.slot .av { width: 28px; height: 28px; border-radius: 50%; background: var(--surface-2); border: 1px solid var(--border-2); }
.slot .stars { font-size: 13px; letter-spacing: 2px; }

/* timeline (what to expect / story) */
.timeline { list-style: none; margin: 0; padding: 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 11px; top: 6px; bottom: 6px; width: 2px; background: linear-gradient(var(--gold), var(--border)); }
.timeline li { position: relative; padding: 0 0 26px 42px; }
.timeline li:last-child { padding-bottom: 0; }
.timeline li::before { content: ""; position: absolute; left: 4px; top: 4px; width: 16px; height: 16px; border-radius: 50%; background: var(--bg); border: 2px solid var(--gold); }
.timeline .when { display: block; color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.timeline h3 { margin: 4px 0 4px; font: 600 22px/1.2 var(--serif); }
.timeline p { margin: 0; color: var(--muted); font-size: 15px; }
.timeline-card { padding: 30px; background: var(--surface); border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow); }

/* FAQ accordion */
.faq { display: grid; gap: 10px; }
.faq details { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; }
.faq details[open] { border-color: var(--gold-deep); }
.faq summary { cursor: pointer; list-style: none; padding: 18px 54px 18px 20px; position: relative; font-weight: 700; font-size: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); width: 26px; height: 26px; border-radius: 50%; border: 1px solid var(--border-2); display: grid; place-items: center; color: var(--gold-text); font-size: 18px; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq summary:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; border-radius: 12px; }
.faq .a { padding: 0 20px 20px; color: var(--muted); font-size: 15px; }
.faq .a p { margin: 0 0 10px; }
.faq .a a { color: var(--gold-light); }
.faq-group + .faq-group { margin-top: 44px; }
.faq-group h3 { margin: 0 0 16px; font: 600 26px/1.2 var(--serif); color: var(--gold-light); }

/* CTA band */
.cta-band { position: relative; overflow: hidden; padding: clamp(40px, 6vw, 64px); border-radius: 20px; background: var(--surface); border: 1px solid var(--gold-deep); display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: center; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 240px at 100% 0%, var(--gold-tint), transparent 70%); pointer-events: none; }
.cta-band > * { position: relative; }
.cta-band h2 { margin: 0; font: 600 clamp(30px, 4vw, 44px)/1.1 var(--serif); }
.cta-band p { margin: 10px 0 0; color: var(--muted); font-size: 17px; }
@media (max-width: 760px) { .cta-band { grid-template-columns: 1fr; } }

/* pre-footer "have a deal" */
.deal { padding-block: clamp(56px, 8vw, 88px); border-top: 1px solid var(--border); background: var(--bg-2); }
.deal-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(28px, 5vw, 64px); align-items: start; }
@media (max-width: 900px) { .deal-grid { grid-template-columns: 1fr; } }
.deal h2 { margin: 0; font: 600 clamp(34px, 4.5vw, 52px)/1.05 var(--serif); }
.deal p { color: var(--muted); font-size: 17px; }
.promise { margin-top: 26px; display: grid; gap: 14px; }
.promise div { display: flex; gap: 14px; align-items: flex-start; }
.promise .ic { flex: none; width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center; background: var(--gold-tint); border: 1px solid var(--gold-deep); color: var(--gold-text); }
.promise .ic svg { width: 18px; height: 18px; }
.promise b { display: block; }
.promise span { color: var(--muted); font-size: 14px; }

/* team */
.team { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 900px) { .team { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .team { grid-template-columns: 1fr; } }
.person { background: var(--surface); border: 1px solid var(--border); border-radius: 14px; overflow: hidden; }
.person .ph { aspect-ratio: 1; display: grid; place-items: center; background: var(--surface-2); color: var(--gold-text); font: 600 54px/1 var(--serif); border-bottom: 1px solid var(--border); }
.person .info { padding: 16px 18px 18px; }
.person h3 { margin: 0; font: 600 21px/1.2 var(--serif); }
.person p { margin: 4px 0 0; color: var(--muted); font-size: 14px; }

/* markets */
.markets { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 900px) { .markets { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .markets { grid-template-columns: 1fr; } }
.market { display: block; padding: 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; text-decoration: none; color: var(--text); transition: border-color .2s; }
.market:hover { border-color: var(--gold); }
.market h3 { margin: 0; font: 600 26px/1.15 var(--serif); }
.market p { margin: 8px 0 0; color: var(--muted); font-size: 14px; }
.market .more { display: inline-block; margin-top: 14px; color: var(--gold-light); font-weight: 700; font-size: 14px; }

/* glance cards (loan terms) */
.glance { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 900px) { .glance { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .glance { grid-template-columns: 1fr; } }
.glance div { padding: 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; }
.glance small { color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.glance strong { display: block; margin: 10px 0 6px; font: 600 30px/1.1 var(--serif); }
.glance p { margin: 0; color: var(--muted); font-size: 14px; }

/* checklist preview */
.checklist { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; counter-reset: ck; }
@media (max-width: 700px) { .checklist { grid-template-columns: 1fr; } }
.checklist li { counter-increment: ck; display: flex; gap: 14px; align-items: flex-start; padding: 16px 18px; background: var(--surface); border: 1px solid var(--border); border-radius: 12px; }
.checklist li::before { content: counter(ck); flex: none; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--gold); color: var(--gold-text); font-weight: 700; font-size: 13px; }
.checklist b { display: block; }
.checklist span { color: var(--muted); font-size: 14px; }

/* calculator */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0; border: 1px solid var(--border); border-radius: 16px; overflow: hidden; background: var(--surface); box-shadow: var(--shadow); }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-in { padding: clamp(22px, 4vw, 36px); display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-content: start; }
.calc-in .full { grid-column: span 2; }
@media (max-width: 480px) { .calc-in { grid-template-columns: 1fr; } .calc-in .full { grid-column: auto; } }
.calc-in label { display: block; margin-bottom: 8px; font-size: 14px; font-weight: 600; }
.calc-in .suffix { position: relative; }
.calc-in .suffix span { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--dim); font-size: 14px; pointer-events: none; }
.calc-in .suffix input { padding-right: 52px; }
.calc-out { padding: clamp(22px, 4vw, 36px); background: var(--bg-2); border-left: 1px solid var(--border); display: flex; flex-direction: column; }
@media (max-width: 860px) { .calc-out { border-left: 0; border-top: 1px solid var(--border); } }
.calc-out h3 { margin: 0 0 6px; font: 600 26px/1.2 var(--serif); }
.calc-big { padding: 18px 0 20px; border-bottom: 1px solid var(--border); }
.calc-big small { color: var(--muted); font-size: 13px; }
.calc-big strong { display: block; font: 600 46px/1.05 var(--serif); color: var(--gold-light); font-variant-numeric: tabular-nums; }
.calc-rows { margin: 0; padding: 0; }
.calc-rows div { display: flex; justify-content: space-between; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--border); font-size: 15px; }
.calc-rows dt { color: var(--muted); }
.calc-rows dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; }
.calc-rows .total { border-bottom: 0; padding-top: 14px; }
.calc-rows .total dt { color: var(--text); font-weight: 700; }
.calc-rows .total dd { color: var(--gold-light); font-size: 20px; }
.calc-warn { margin-top: 14px; padding: 12px 14px; border-radius: 8px; border: 1px solid var(--gold-deep); background: var(--gold-tint); font-size: 14px; }
.calc-out .btn { margin-top: auto; align-self: flex-start; }
.calc-out .calc-note { margin: 16px 0 18px; color: var(--dim); font-size: 12px; }

/* article / prose pages */
.article { max-width: 760px; }
.article h2 { margin: 42px 0 12px; font: 600 32px/1.15 var(--serif); }
.article h3 { margin: 28px 0 8px; font: 600 23px/1.2 var(--serif); }
.article p, .article li { color: var(--muted); font-size: 17px; line-height: 1.75; }
.article p strong, .article li strong { color: var(--text); }
.article ul, .article ol { padding-left: 22px; }
.article a { color: var(--gold-light); }
.article .callout { margin: 28px 0; padding: 20px 22px; border-left: 3px solid var(--gold); background: var(--gold-tint); border-radius: 0 10px 10px 0; color: var(--text); }
.article table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; }
.article th, .article td { text-align: left; padding: 11px 12px; border-bottom: 1px solid var(--border); }
.article th { color: var(--gold-text); font-size: 12px; letter-spacing: .14em; text-transform: uppercase; }
.article td { color: var(--muted); font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; }
.meta { color: var(--dim); font-size: 14px; margin-top: 14px; }
.legal-note { padding: 14px 16px; border: 1px dashed var(--border-2); border-radius: 10px; color: var(--dim); font-size: 14px; margin-bottom: 28px; }
.page-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 48px; align-items: start; }
@media (max-width: 960px) { .page-layout { grid-template-columns: 1fr; } }

/* blog cards */
.posts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 900px) { .posts { grid-template-columns: 1fr; } }
.post { display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; overflow: hidden; text-decoration: none; color: var(--text); transition: border-color .2s; }
.post:hover { border-color: var(--gold); }
.post .art { aspect-ratio: 16 / 9; border: 0; border-bottom: 1px solid var(--border); border-radius: 0; box-shadow: none; }
.post .body { padding: 22px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.post small { color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.post h3 { margin: 0; font: 600 24px/1.2 var(--serif); }
.post p { margin: 0; color: var(--muted); font-size: 15px; }

/* contact info cards */
.info-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 800px) { .info-cards { grid-template-columns: 1fr; } }
.info-cards div { padding: 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; }
.info-cards small { color: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.info-cards a, .info-cards p { display: block; margin: 8px 0 0; color: var(--text); text-decoration: none; font-size: 17px; font-weight: 600; word-break: break-word; }

/* breadcrumb */
.crumbs { margin: 0 0 18px; font-size: 13px; color: var(--dim); }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--gold-light); }

/* preview ribbon (preview build only) */
.preview-ribbon { position: fixed; right: 14px; bottom: 14px; display: flex; align-items: center; gap: 8px; z-index: 60; padding: 8px 12px; border-radius: 999px; background: var(--surface); border: 1px solid var(--gold-deep); color: var(--muted); font-size: 12px; font-weight: 600; box-shadow: 0 6px 18px rgba(0,0,0,.25); }
.preview-ribbon b { color: var(--gold-text); }

/* 404 */
.notfound { padding: 120px 0; text-align: center; }
.notfound .code { font: 600 120px/1 var(--serif); color: var(--gold-light); }
.preview-ribbon button { border: 0; background: transparent; color: var(--dim); cursor: pointer; font-size: 16px; line-height: 1; padding: 0 2px; }
.preview-ribbon button:hover { color: var(--text); }

/* Mixed look: light sections between dark ones */
.tone-light { background-color: var(--bg); color: var(--text); }
.tone-light.section + .tone-light.section { border-top: 1px solid var(--border); }

/* Centered home hero */
.hero-center { max-width: 880px; text-align: center; }
.hero.home .hero-center h1 { max-width: 17ch; margin-inline: auto; }
.hero-center .lede { margin-inline: auto; max-width: 60ch; }
.hero-center .btn-row, .hero-center .hero-note { justify-content: center; }
.checks.inline { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 26px; margin-top: 26px; }
.checks.inline li { text-align: left; }
.hero.home .hero-center h1 { max-width: 20ch; }
.checks.inline { display: grid; grid-template-columns: repeat(2, auto); justify-content: center; gap: 12px 36px; }
@media (max-width: 640px) { .checks.inline { grid-template-columns: auto; } }

/* Home hero video background */
.hero.home.has-video { position: relative; overflow: hidden; isolation: isolate; background: #0A0A0A; border-bottom-color: #2A2A2A; }
.hero-media { position: absolute; inset: 0; z-index: -1; }
.hero-video { width: 100%; height: 100%; object-fit: cover; display: block; background: #0A0A0A url("/assets/video/hero-poster.jpg") center / cover no-repeat; }
.hero-overlay { position: absolute; inset: 0;
  background:
    radial-gradient(900px 420px at 50% 0%, rgba(201,162,39,.16), transparent 70%),
    linear-gradient(180deg, rgba(10,10,10,.78) 0%, rgba(10,10,10,.70) 45%, rgba(10,10,10,.92) 100%); }
/* the hero always sits on dark footage, so it keeps light text in every look */
.hero.home.has-video h1 { color: #F4F0E6; text-shadow: 0 2px 24px rgba(0,0,0,.45); }
.hero.home.has-video .lede, .hero.home.has-video .checks li { color: #DCD6C8; }
.hero.home.has-video .hero-note { color: #A39E93; }
.hero.home.has-video { padding-block: clamp(96px, 13vw, 170px) clamp(80px, 10vw, 130px); }

/* Logo image in the nav bar and footer */
.brand-logo { display: inline-flex; align-items: center; flex: none; }
.brand-logo img { display: block; height: 58px; width: auto; }
.site-footer .brand-logo img { height: 64px; }
@media (max-width: 560px) { .brand-logo img { height: 44px; } }

/* ── Broker model additions (Nov 2026) ─────────────────────────────────── */
.cards.programs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 760px) { .cards.programs { grid-template-columns: 1fr; } }
.cards.programs .card { padding: 32px 28px; }
.cards.programs .checks { margin: 18px 0 0; }
.card a.more { display: inline-block; margin-top: 18px; color: var(--gold-text); font-weight: 700; font-size: 14px; text-decoration: none; }
.card a.more:hover { text-decoration: underline; }

.docs-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.docs-grid + .docs-grid { margin-top: 18px; }
.docs-grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 900px) { .docs-grid.three { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .docs-grid, .docs-grid.three { grid-template-columns: 1fr; } }
.doc-card { padding: 24px; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; min-width: 0; }
.doc-card .num { font: 700 12px/1 var(--sans); color: var(--gold-text); letter-spacing: .16em; text-transform: uppercase; }
.doc-card h3 { margin: 10px 0 14px; font: 600 22px/1.15 var(--serif); }
.doc-card h3.sub-h { margin-top: 22px; font-size: 18px; color: var(--muted); }
.doc-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.doc-list li { position: relative; padding-left: 26px; }
.doc-list li::before { content: ""; position: absolute; left: 2px; top: 6px; width: 12px; height: 7px; border-left: 2px solid var(--gold); border-bottom: 2px solid var(--gold); transform: rotate(-45deg); }
.doc-list b { display: block; font-weight: 600; }
.doc-list span { display: block; color: var(--muted); font-size: 14px; margin-top: 2px; }
.doc-card .fine-print { margin-top: 14px; }

.calc-verdict { margin: -6px 0 14px; color: var(--gold-text); font-weight: 600; font-size: 15px; min-height: 1.4em; }

.sow-tool .sow-cat { font-weight: 500; }
.sow-tool .btn-row { margin-top: 18px; }
.sow-tool .fine-print { margin-top: 12px; }
@media (max-width: 720px) {
  .sow-tool .sow-row:not(.on) .sow-desc, .sow-tool .sow-row:not(.on) .sow-amt { display: block; }
}

@media print {   /* Scope of Work page prints just the budget */
  body:has([data-sow-tool]) :is(.topbar, .site-header, .hero, .deal, .newsletter, .site-footer, .preview-ribbon, .sow-tool .btn-row, .section:not(#sow-builder)) { display: none !important; }
}
.cards.programs .checks { padding-left: 0; }
section[id], [id="request"] { scroll-margin-top: 96px; }