/* ============================================================================
   US LENDING & COMPANY — umer.uslendingco.com
   Design system.

   Direction: the site is built like the document the business actually issues.
   Bond-paper ground, engraved guilloche fields, hairline foil rules, a foil
   seal, and figures set in a monospace face so columns of numbers line up the
   way they do on a term sheet. Palette is sampled straight from the company
   logo: #860233 maroon, #D57F1D gold.
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }

/* ---------------------------------------------------------------- tokens -- */
:root {
  /* ground */
  --paper:        #faf6ef;
  --paper-2:      #f3ebdd;
  --paper-3:      #ece0cd;
  --card:         #fffdf9;

  /* brand, sampled from the logo */
  --maroon:       #860233;
  --maroon-deep:  #6b0129;
  --oxblood:      #3a0818;
  --oxblood-2:    #4d0f22;

  --foil:         #d57f1d;
  --foil-deep:    #a85f12;
  --foil-hi:      #f0c271;
  --foil-text:    #91530c;

  /* ink */
  --ink:          #1c1013;
  --ink-2:        #48343a;
  --ink-soft:     #6b564c;
  --on-dark:      #f7ede2;
  --on-dark-soft: #cbb2ad;

  /* lines */
  --rule:         rgba(28, 16, 19, 0.14);
  --rule-strong:  rgba(28, 16, 19, 0.28);
  --rule-foil:    rgba(213, 127, 29, 0.42);
  --rule-dark:    rgba(247, 237, 226, 0.16);

  /* state */
  --ok:           #2f6b46;
  --warn:         #9a5b12;

  --shadow-sm:  0 1px 2px rgba(28,16,19,.05), 0 4px 14px rgba(58,8,24,.07);
  --shadow-md:  0 2px 6px rgba(28,16,19,.06), 0 14px 38px rgba(58,8,24,.11);
  --shadow-lg:  0 4px 12px rgba(28,16,19,.08), 0 30px 70px rgba(58,8,24,.16);

  /* type */
  --display: "Fraunces", "Iowan Old Style", "Hoefler Text", Georgia, serif;
  --body:    "Karla", "Segoe UI", system-ui, -apple-system, sans-serif;
  --mono:    "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  /* metrics */
  --container: 1200px;
  --measure: 66ch;
  --gutter: clamp(20px, 5vw, 56px);
  --r-lg: 4px;
  --r-md: 3px;
  --r-sm: 2px;

  --header-h: 78px;

  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper:        #17090e;
    --paper-2:      #200c14;
    --paper-3:      #2a1019;
    --card:         #220d15;

    --maroon:       #9e2549;
    --maroon-deep:  #7a1839;
    --oxblood:      #12060a;
    --oxblood-2:    #1e0a11;

    --foil:         #e29a3c;
    --foil-deep:    #c07d24;
    --foil-hi:      #f3d197;
    --foil-text:    #e8a94f;

    --ink:          #f6e9dd;
    --ink-2:        #d9c2b8;
    --ink-soft:     #b49c93;
    --on-dark:      #f7ede2;
    --on-dark-soft: #c4aaa4;

    --rule:         rgba(246, 233, 221, 0.14);
    --rule-strong:  rgba(246, 233, 221, 0.26);
    --rule-foil:    rgba(226, 154, 60, 0.42);
    --rule-dark:    rgba(246, 233, 221, 0.14);

    --ok:           #6cc08e;
    --warn:         #e0a24f;

    --shadow-sm:  0 1px 2px rgba(0,0,0,.4), 0 4px 14px rgba(0,0,0,.34);
    --shadow-md:  0 2px 6px rgba(0,0,0,.44), 0 14px 38px rgba(0,0,0,.4);
    --shadow-lg:  0 4px 12px rgba(0,0,0,.5), 0 30px 70px rgba(0,0,0,.5);

    color-scheme: dark;
  }
}

:root[data-theme="dark"] {
  --paper:        #17090e;
  --paper-2:      #200c14;
  --paper-3:      #2a1019;
  --card:         #220d15;

  --maroon:       #9e2549;
  --maroon-deep:  #7a1839;
  --oxblood:      #12060a;
  --oxblood-2:    #1e0a11;

  --foil:         #e29a3c;
  --foil-deep:    #c07d24;
  --foil-hi:      #f3d197;
  --foil-text:    #e8a94f;

  --ink:          #f6e9dd;
  --ink-2:        #d9c2b8;
  --ink-soft:     #b49c93;
  --on-dark:      #f7ede2;
  --on-dark-soft: #c4aaa4;

  --rule:         rgba(246, 233, 221, 0.14);
  --rule-strong:  rgba(246, 233, 221, 0.26);
  --rule-foil:    rgba(226, 154, 60, 0.42);
  --rule-dark:    rgba(246, 233, 221, 0.14);

  --ok:           #6cc08e;
  --warn:         #e0a24f;

  --shadow-sm:  0 1px 2px rgba(0,0,0,.4), 0 4px 14px rgba(0,0,0,.34);
  --shadow-md:  0 2px 6px rgba(0,0,0,.44), 0 14px 38px rgba(0,0,0,.4);
  --shadow-lg:  0 4px 12px rgba(0,0,0,.5), 0 30px 70px rgba(0,0,0,.5);

  color-scheme: dark;
}

/* ------------------------------------------------------------------ base -- */
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: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; height: auto; display: block; }

h1, h2, h3, h4 {
  font-family: var(--display);
  font-weight: 600;
  font-variation-settings: "SOFT" 0, "WONK" 0, "opsz" 40;
  line-height: 1.08;
  letter-spacing: -0.018em;
  text-wrap: balance;
  margin: 0;
  color: var(--ink);
}
h1 { font-size: clamp(2.35rem, 1.35rem + 3.5vw, 4.15rem); font-weight: 600; }
h2 { font-size: clamp(1.85rem, 1.15rem + 2.3vw, 3rem); }
h3 { font-size: clamp(1.2rem, 1.02rem + 0.65vw, 1.55rem); letter-spacing: -0.012em; }
h4 { font-size: 1.05rem; letter-spacing: -0.006em; }

p { margin: 0 0 1.05em; }
a { color: var(--maroon); text-decoration-color: var(--rule-foil); text-underline-offset: 3px; }
a:hover { color: var(--foil-text); }

:focus-visible {
  outline: 2px solid var(--foil);
  outline-offset: 3px;
  border-radius: 2px;
}

::selection { background: rgba(213,127,29,.26); color: var(--ink); }

.tnum { font-family: var(--mono); font-variant-numeric: tabular-nums; font-feature-settings: "tnum" 1; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  background: var(--maroon); color: #fff; padding: 10px 16px;
  font-family: var(--body); font-weight: 700; font-size: .85rem;
  border-radius: var(--r-md); transition: top .18s ease;
}
.skip-link:focus { top: 12px; color: #fff; }

/* -------------------------------------------------------------- layout ---- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container-narrow { max-width: 840px; }

section { position: relative; }
.sec { padding-block: clamp(64px, 8vw, 118px); }
.sec-sm { padding-block: clamp(46px, 5.5vw, 76px); }

.grid { display: grid; gap: clamp(18px, 2.2vw, 30px); }
.g2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.g3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.g4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
.g-hero { grid-template-columns: 1.15fr 0.85fr; align-items: start; gap: clamp(30px, 4vw, 62px); }
.g-split { grid-template-columns: 1.05fr 0.95fr; gap: clamp(28px, 4vw, 60px); align-items: start; }

@media (max-width: 1020px) {
  .g4 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .g-hero, .g-split { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .g2, .g3 { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .g4 { grid-template-columns: 1fr; }
}

.prose { max-width: var(--measure); }
.prose p { color: var(--ink-2); }
.prose > :last-child { margin-bottom: 0; }
.lead {
  font-size: clamp(1.06rem, 1rem + 0.4vw, 1.3rem);
  line-height: 1.55;
  color: var(--ink-2);
}

/* ------------------------------------------------------- engraved fields -- */
/* A guilloche field, the security pattern printed on bonds and certificates.
   Drawn once to a canvas by site.js and tiled here. */
.engraved { position: relative; isolation: isolate; }
.engraved > * { position: relative; z-index: 1; }
.engraved::before {
  content: "";
  position: absolute; inset: 0; z-index: 0;
  background-image: var(--guilloche, none);
  background-size: 520px 520px;
  opacity: .5;
  pointer-events: none;
}

.band-dark {
  background: var(--oxblood);
  color: var(--on-dark);
}
.band-dark h1, .band-dark h2, .band-dark h3, .band-dark h4 { color: #fff; }
.band-dark p { color: var(--on-dark-soft); }
.band-dark a { color: var(--foil-hi); }
.band-dark::before { opacity: .34; }

.band-paper { background: var(--paper-2); }

.band-dark + .band-dark { border-top: 1px solid var(--rule-dark); }

/* foil hairline used as a section divider */
.foil-rule {
  height: 2px; border: 0; margin: 0;
  background: linear-gradient(90deg,
    transparent 0%, var(--foil-deep) 12%, var(--foil-hi) 50%, var(--foil-deep) 88%, transparent 100%);
  opacity: .8;
}

/* ------------------------------------------------------------- eyebrows --- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--mono);
  font-size: .705rem;
  font-weight: 500;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--foil-text);
}
.band-dark .eyebrow { color: var(--foil-hi); }
.eyebrow::before {
  content: ""; width: 26px; height: 1px; background: currentColor; opacity: .65;
}
.eyebrow.no-rule::before { display: none; }

.sec-head { max-width: 760px; margin-bottom: clamp(30px, 3.6vw, 52px); }
.sec-head h2 { margin-top: 12px; }
.sec-head p { margin-top: 14px; color: var(--ink-soft); font-size: 1.06rem; }
.band-dark .sec-head p { color: var(--on-dark-soft); }

/* --------------------------------------------------------------- buttons -- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--body); font-weight: 700; font-size: .93rem;
  letter-spacing: .01em;
  padding: 14px 24px;
  border-radius: var(--r-md);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform .16s cubic-bezier(.2,.7,.3,1), box-shadow .2s ease,
              background-color .2s ease, color .2s ease, border-color .2s ease;
  will-change: transform;
}
.btn svg { width: 18px; height: 18px; flex: none; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn-primary {
  background: linear-gradient(180deg, var(--maroon) 0%, var(--maroon-deep) 100%);
  color: #fff;
  box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.18);
}
.btn-primary:hover { color: #fff; box-shadow: var(--shadow-md), inset 0 1px 0 rgba(255,255,255,.24); }

.btn-foil {
  background: linear-gradient(180deg, var(--foil-hi) 0%, var(--foil) 46%, var(--foil-deep) 100%);
  color: #24140a;
  box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.42);
}
.btn-foil:hover { color: #24140a; box-shadow: var(--shadow-md), inset 0 1px 0 rgba(255,255,255,.5); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--rule-strong);
}
.btn-ghost:hover { border-color: var(--foil); color: var(--foil-text); background: rgba(213,127,29,.07); }
.band-dark .btn-ghost { color: #fff; border-color: rgba(247,237,226,.34); }
.band-dark .btn-ghost:hover { border-color: var(--foil-hi); color: var(--foil-hi); background: rgba(213,127,29,.14); }

.btn-lg { padding: 17px 30px; font-size: 1rem; }
.btn-block { width: 100%; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: .9rem; text-decoration: none;
  color: var(--maroon);
  white-space: nowrap;
}
.link-arrow svg { width: 15px; height: 15px; flex: none; }
.crumbs svg { width: 13px; height: 13px; flex: none; }
.band-dark .link-arrow { color: var(--foil-hi); }
.link-arrow span.a { transition: transform .2s cubic-bezier(.2,.7,.3,1); }
.link-arrow:hover span.a { transform: translateX(5px); }

/* ---------------------------------------------------------------- header -- */
.utility {
  background: var(--oxblood);
  color: var(--on-dark-soft);
  font-size: .78rem;
  border-bottom: 1px solid rgba(213,127,29,.28);
}
.utility .container {
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
  min-height: 40px; padding-block: 7px; flex-wrap: wrap;
}
.utility a { color: var(--on-dark); text-decoration: none; font-weight: 600; }
.utility a:hover { color: var(--foil-hi); }
.utility .u-left, .utility .u-right { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.utility a { display: inline-flex; align-items: center; gap: 6px; }
.utility svg { width: 14px; height: 14px; flex: none; color: var(--foil-hi); }
.utility .dot { color: var(--foil); opacity: .8; }
.utility .lic { font-family: var(--mono); font-size: .72rem; letter-spacing: .06em; }
@media (max-width: 780px) { .utility .u-right { display: none; } }

.site-header {
  position: sticky; top: 0; z-index: 90;
  background: color-mix(in srgb, var(--paper) 86%, transparent);
  backdrop-filter: saturate(1.5) blur(14px);
  -webkit-backdrop-filter: saturate(1.5) blur(14px);
  border-bottom: 1px solid var(--rule);
  transition: box-shadow .25s ease, background-color .25s ease;
}
.site-header.stuck { box-shadow: var(--shadow-sm); background: color-mix(in srgb, var(--paper) 95%, transparent); }
.header-row {
  display: flex; align-items: center; gap: clamp(12px, 2vw, 26px);
  min-height: var(--header-h);
}
.brand { display: flex; align-items: center; flex: none; text-decoration: none; }
.brand img { height: 54px; width: auto; }
@media (max-width: 620px) { .brand img { height: 42px; } }

.nav-primary {
  display: flex; align-items: center; gap: clamp(2px, 0.9vw, 12px);
  margin-inline-start: auto;
}
.nav-primary > a, .nav-item > button {
  font-family: var(--body); font-size: .875rem; font-weight: 600;
  color: var(--ink-2); text-decoration: none;
  padding: 9px 11px; border-radius: var(--r-md);
  background: none; border: 0; cursor: pointer;
  display: inline-flex; align-items: center; gap: 6px;
  white-space: nowrap;
  transition: color .16s ease, background-color .16s ease;
}
.nav-primary > a:hover, .nav-item > button:hover { color: var(--maroon); background: rgba(134,2,51,.06); }
.nav-primary > a[aria-current="page"] { color: var(--maroon); }
.nav-primary > a[aria-current="page"]::after {
  content: ""; display: block; position: absolute;
}
.nav-primary > a.is-current {
  color: var(--maroon);
  box-shadow: inset 0 -2px 0 var(--foil);
}

/* dropdown for loan programs */
.nav-item { position: relative; }
.nav-item > button svg { width: 12px; height: 12px; transition: transform .2s ease; opacity: .7; }
.nav-item[data-open="true"] > button svg { transform: rotate(180deg); }
.nav-menu {
  position: absolute; top: calc(100% + 8px); left: 50%; transform: translateX(-50%) translateY(-6px);
  min-width: 290px;
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--foil);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0; visibility: hidden;
  transition: opacity .18s ease, transform .18s cubic-bezier(.2,.7,.3,1), visibility .18s;
}
.nav-item[data-open="true"] .nav-menu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav-menu a {
  display: block; padding: 11px 13px; border-radius: var(--r-md);
  text-decoration: none; color: var(--ink);
  transition: background-color .15s ease;
}
.nav-menu a:hover { background: var(--paper-2); color: var(--ink); }
.nav-menu .t { font-weight: 700; font-size: .9rem; display: block; }
.nav-menu .d { font-size: .78rem; color: var(--ink-soft); display: block; margin-top: 2px; }

.header-actions { display: flex; align-items: center; gap: 8px; flex: none; }

.icon-btn {
  width: 40px; height: 40px; display: grid; place-items: center;
  border: 1px solid var(--rule); border-radius: var(--r-md);
  background: transparent; color: var(--ink-2); cursor: pointer;
  transition: border-color .16s ease, color .16s ease, background-color .16s ease;
}
.icon-btn:hover { border-color: var(--foil); color: var(--foil-text); background: rgba(213,127,29,.07); }
.icon-btn svg { width: 19px; height: 19px; }

.lang-switch {
  display: inline-flex; align-items: center;
  border: 1px solid var(--rule); border-radius: var(--r-md);
  overflow: hidden; flex: none;
}
.lang-switch a {
  font-family: var(--mono); font-size: .72rem; font-weight: 600; letter-spacing: .08em;
  padding: 10px 11px; text-decoration: none; color: var(--ink-soft);
  transition: background-color .16s ease, color .16s ease;
}
.lang-switch a[aria-current="true"] { background: var(--maroon); color: #fff; }
.lang-switch a:not([aria-current="true"]):hover { background: var(--paper-2); color: var(--ink); }

.nav-toggle { display: none; }
@media (max-width: 1120px) {
  .nav-primary { display: none; }
  .nav-toggle { display: grid; }
  .header-actions { margin-inline-start: auto; }
}
@media (max-width: 430px) {
  .header-actions .btn { display: none; }
}

/* ---------------------------------------------------------------- drawer -- */
.drawer { position: fixed; inset: 0; z-index: 120; visibility: hidden; }
.drawer[data-open="true"] { visibility: visible; }
.drawer .scrim {
  position: absolute; inset: 0; background: rgba(28,10,16,.55);
  opacity: 0; transition: opacity .28s ease;
  backdrop-filter: blur(3px);
}
.drawer[data-open="true"] .scrim { opacity: 1; }
.drawer .panel {
  position: absolute; inset-block: 0; inset-inline-end: 0;
  width: min(400px, 88vw);
  background: var(--paper);
  border-inline-start: 1px solid var(--rule);
  box-shadow: var(--shadow-lg);
  transform: translateX(100%);
  transition: transform .34s cubic-bezier(.24,.8,.28,1);
  display: flex; flex-direction: column;
  overflow-y: auto;
  padding: 20px 22px 32px;
}
.drawer[data-open="true"] .panel { transform: translateX(0); }
.drawer .d-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.drawer nav { display: flex; flex-direction: column; }
.drawer nav a {
  padding: 13px 2px; border-bottom: 1px solid var(--rule);
  text-decoration: none; color: var(--ink); font-weight: 600; font-size: 1rem;
}
.drawer nav a.sub { padding-inline-start: 18px; font-size: .92rem; font-weight: 500; color: var(--ink-2); }
.drawer nav a:hover { color: var(--maroon); }
.drawer .d-foot { margin-top: 22px; display: grid; gap: 10px; }

/* ----------------------------------------------------------- trust strip -- */
.marquee {
  /* pinned to the logo's own maroon in both themes — it is a brand element */
  background: #860233;
  color: #fff;
  overflow: hidden;
  border-block: 1px solid rgba(0,0,0,.15);
  --marquee-duration: 46s;
}
.marquee .track {
  display: flex; align-items: center; gap: 0;
  width: max-content;
  animation: marquee var(--marquee-duration) linear infinite;
}
.marquee:hover .track { animation-play-state: paused; }
.marquee .item {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 11px 26px;
  font-family: var(--mono); font-size: .715rem; font-weight: 500;
  letter-spacing: .17em; text-transform: uppercase;
  white-space: nowrap;
  border-inline-end: 1px solid rgba(255,255,255,.16);
}
.marquee .item svg { width: 15px; height: 15px; opacity: .9; color: var(--foil-hi); flex: none; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .marquee .track { animation: none; }
}

/* ------------------------------------------------------------------ hero -- */
.hero {
  background:
    radial-gradient(1100px 520px at 12% -10%, rgba(134,2,51,.10), transparent 62%),
    radial-gradient(880px 480px at 96% 6%, rgba(213,127,29,.13), transparent 60%),
    var(--paper);
  padding-block: clamp(52px, 6.5vw, 104px) clamp(56px, 7vw, 108px);
  overflow: hidden;
}
.hero h1 { margin-top: 16px; }
.hero .lead { margin-top: 20px; max-width: 56ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-note {
  margin-top: 18px; font-size: .855rem; color: var(--ink-soft);
  display: flex; align-items: center; gap: 8px;
}
.hero-note svg { width: 16px; height: 16px; color: var(--ok); flex: none; }

.hero-badges {
  display: flex; flex-wrap: wrap; gap: 8px; margin-top: 26px;
  padding-top: 22px; border-top: 1px solid var(--rule);
}
.badge {
  display: inline-flex; align-items: center; gap: 7px;
  font-family: var(--mono); font-size: .69rem; font-weight: 500;
  letter-spacing: .1em; text-transform: uppercase;
  color: var(--ink-soft);
  border: 1px solid var(--rule); border-radius: 100px;
  padding: 6px 13px;
  background: var(--card);
}
.badge svg { width: 13px; height: 13px; color: var(--foil); flex: none; }

/* the term sheet — the hero's centrepiece */
.termsheet {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--maroon);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  position: relative;
}
.termsheet::after {
  content: ""; position: absolute; inset-inline: 0; bottom: 0; height: 3px;
  background: linear-gradient(90deg, var(--foil-deep), var(--foil-hi), var(--foil-deep));
}
.ts-head {
  display: flex; align-items: baseline; justify-content: space-between; gap: 10px;
  flex-wrap: wrap;
  padding: 17px 22px;
  border-bottom: 1px solid var(--rule);
  background: linear-gradient(180deg, var(--paper-2), transparent);
}
.ts-head .t {
  font-family: var(--mono); font-size: .69rem; font-weight: 600;
  letter-spacing: .19em; text-transform: uppercase; color: var(--ink-soft);
}
.ts-head .s {
  font-family: var(--mono); font-size: .66rem; letter-spacing: .12em;
  color: var(--foil-text); text-transform: uppercase;
}
.ts-rows { padding: 6px 22px 14px; }
.ts-row {
  display: flex; align-items: baseline; justify-content: space-between; gap: 16px;
  padding: 14px 0;
  border-bottom: 1px dashed var(--rule);
}
.ts-row:last-child { border-bottom: 0; }
.ts-row .k {
  font-size: .84rem; color: var(--ink-soft); font-weight: 600;
  letter-spacing: .01em;
}
.ts-row .v {
  font-family: var(--mono); font-weight: 600;
  font-size: clamp(1.15rem, 1rem + .6vw, 1.5rem);
  color: var(--maroon); letter-spacing: -.01em;
  font-variant-numeric: tabular-nums;
}
.ts-foot {
  padding: 15px 22px 20px;
  background: var(--paper-2);
  border-top: 1px solid var(--rule);
}
.ts-foot p { margin: 0; font-size: .78rem; color: var(--ink-soft); line-height: 1.5; }
.ts-seal {
  position: absolute; top: 50%; right: 14px;
  transform: translateY(-50%);
  width: 132px; height: 132px; opacity: .06; pointer-events: none;
}

/* ----------------------------------------------------------- stat strip --- */
.stats {
  background: var(--oxblood);
  color: var(--on-dark);
  border-block: 1px solid rgba(213,127,29,.3);
}
.stats .row {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: rgba(247,237,226,.13);
}
.stat {
  background: var(--oxblood);
  padding: clamp(26px, 3.4vw, 42px) clamp(14px, 2vw, 26px);
  text-align: center;
}
.stat .v {
  font-family: var(--mono); font-weight: 600;
  font-size: clamp(1.75rem, 1.1rem + 2.3vw, 3rem);
  color: var(--foil-hi);
  letter-spacing: -.02em; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.stat .k {
  margin-top: 11px;
  font-family: var(--mono); font-size: .68rem; font-weight: 500;
  letter-spacing: .17em; text-transform: uppercase;
  color: var(--on-dark-soft);
}
@media (max-width: 760px) { .stats .row { grid-template-columns: repeat(2, 1fr); } }

/* ----------------------------------------------------------------- cards -- */
.card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: var(--r-lg);
  padding: clamp(22px, 2.4vw, 30px);
  transition: transform .28s cubic-bezier(.2,.7,.3,1), box-shadow .28s ease, border-color .28s ease;
  position: relative;
  overflow: hidden;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--rule-strong); }
.card h3 { margin-bottom: 9px; }
.card p { color: var(--ink-soft); font-size: .945rem; margin-bottom: 0; }

.card-num {
  display: flex; align-items: flex-start; gap: 16px;
}
.card-num .n {
  font-family: var(--mono); font-size: .74rem; font-weight: 600;
  color: var(--foil-text); letter-spacing: .1em;
  padding-top: 4px; flex: none;
}

.icon-tile {
  width: 44px; height: 44px; border-radius: var(--r-md);
  display: grid; place-items: center; margin-bottom: 16px;
  background: linear-gradient(160deg, rgba(134,2,51,.12), rgba(213,127,29,.14));
  border: 1px solid var(--rule);
  color: var(--maroon);
}
.icon-tile svg { width: 21px; height: 21px; }
.band-dark .icon-tile { background: rgba(213,127,29,.16); border-color: rgba(247,237,226,.2); color: var(--foil-hi); }

/* ------------------------------------------------- programs slider (#7) --- */
.slider { position: relative; }
.slider-viewport {
  overflow: hidden;
  border-radius: var(--r-lg);
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 2%, #000 98%, transparent 100%);
          mask-image: linear-gradient(90deg, transparent 0, #000 2%, #000 98%, transparent 100%);
}
.slider-track {
  display: flex;
  gap: clamp(16px, 2vw, 26px);
  transition: transform .62s cubic-bezier(.22,.75,.24,1);
  will-change: transform;
}
.slide {
  flex: 0 0 calc((100% - 2 * clamp(16px, 2vw, 26px)) / 3);
  min-width: 0;
}
@media (max-width: 1020px) { .slide { flex-basis: calc((100% - clamp(16px,2vw,26px)) / 2); } }
@media (max-width: 680px)  { .slide { flex-basis: 100%; } }

.program-card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: var(--r-lg);
  overflow: hidden;
  height: 100%;
  display: flex; flex-direction: column;
  transition: transform .3s cubic-bezier(.2,.7,.3,1), box-shadow .3s ease, border-color .3s ease;
}
.program-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--rule-foil); }
.program-art {
  aspect-ratio: 16 / 10;
  background: var(--oxblood);
  position: relative; overflow: hidden;
  border-bottom: 2px solid var(--foil);
}
.program-art svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.program-art .tag {
  position: absolute; left: 14px; top: 13px; z-index: 2;
  font-family: var(--mono); font-size: .62rem; font-weight: 600;
  letter-spacing: .16em; text-transform: uppercase;
  color: var(--oxblood); background: var(--foil-hi);
  padding: 5px 10px; border-radius: 100px;
}
.program-body { padding: clamp(18px, 2vw, 26px); display: flex; flex-direction: column; flex: 1; }
.program-body h3 { margin-bottom: 8px; }
.program-body p { font-size: .92rem; color: var(--ink-soft); flex: 1; }
.program-meta {
  display: flex; gap: 18px; flex-wrap: wrap;
  margin: 14px 0 18px; padding-top: 14px; border-top: 1px solid var(--rule);
}
.program-meta div { min-width: 0; }
.program-meta .k {
  font-family: var(--mono); font-size: .6rem; letter-spacing: .14em;
  text-transform: uppercase; color: var(--ink-soft);
}
.program-meta .v {
  font-family: var(--mono); font-weight: 600; font-size: .96rem;
  color: var(--maroon); font-variant-numeric: tabular-nums;
}

.slider-nav { display: flex; align-items: center; gap: 10px; margin-top: 26px; }
.slider-dots { display: flex; gap: 7px; margin-inline-start: auto; }
.slider-dots button {
  width: 26px; height: 4px; border: 0; padding: 0; cursor: pointer;
  background: var(--rule-strong); border-radius: 2px;
  transition: background-color .22s ease, width .22s ease;
}
.slider-dots button[aria-selected="true"] { background: var(--foil); width: 40px; }

/* --------------------------------------------------------------- feature -- */
.feature-list { display: grid; gap: 2px; background: var(--rule); border: 1px solid var(--rule); border-radius: var(--r-lg); overflow: hidden; }
.feature-row {
  background: var(--card);
  padding: 20px clamp(18px, 2vw, 26px);
  display: flex; gap: 16px; align-items: flex-start;
  transition: background-color .2s ease;
}
.feature-row:hover { background: var(--paper-2); }
.feature-row .ic { color: var(--foil); flex: none; margin-top: 2px; }
.feature-row .ic svg { width: 19px; height: 19px; }
.feature-row h4 { margin-bottom: 4px; }
.feature-row p { margin: 0; font-size: .9rem; color: var(--ink-soft); }

/* checklist */
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checks li { display: flex; gap: 11px; align-items: flex-start; font-size: .96rem; color: var(--ink-2); }
.checks svg { width: 18px; height: 18px; color: var(--ok); flex: none; margin-top: 3px; }
.band-dark .checks li { color: var(--on-dark-soft); }
.band-dark .checks svg { color: var(--foil-hi); }

/* -------------------------------------------------------------- quotes ---- */
.pullquote {
  font-family: var(--display);
  font-size: clamp(1.3rem, 1.05rem + 1.1vw, 1.95rem);
  line-height: 1.32; letter-spacing: -.015em;
  color: var(--maroon);
  border-inline-start: 3px solid var(--foil);
  padding-inline-start: clamp(18px, 2.2vw, 30px);
  margin: 30px 0;
  font-style: italic;
}
.band-dark .pullquote { color: var(--foil-hi); }

/* -------------------------------------------------------------- accordion - */
.accordion { border-top: 1px solid var(--rule); }
.acc-item { border-bottom: 1px solid var(--rule); }
.acc-btn {
  width: 100%; text-align: start; background: none; border: 0; cursor: pointer;
  padding: 22px 44px 22px 0; position: relative;
  font-family: var(--display); font-size: clamp(1.02rem, .96rem + .3vw, 1.22rem);
  font-weight: 600; color: var(--ink); letter-spacing: -.01em;
  transition: color .18s ease;
}
.acc-btn:hover { color: var(--maroon); }
.acc-btn .pm {
  position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  width: 22px; height: 22px; color: var(--foil);
}
.acc-btn .pm::before, .acc-btn .pm::after {
  content: ""; position: absolute; background: currentColor; border-radius: 1px;
  transition: transform .28s cubic-bezier(.2,.7,.3,1), opacity .2s ease;
}
.acc-btn .pm::before { inset-inline: 0; top: 50%; height: 2px; margin-top: -1px; }
.acc-btn .pm::after  { inset-block: 0; left: 50%; width: 2px; margin-left: -1px; }
.acc-item[data-open="true"] .pm::after { transform: rotate(90deg); opacity: 0; }
.acc-panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows .34s cubic-bezier(.2,.7,.3,1);
}
.acc-item[data-open="true"] .acc-panel { grid-template-rows: 1fr; }
.acc-panel > div { overflow: hidden; }
.acc-panel p { padding-bottom: 22px; margin: 0; color: var(--ink-soft); max-width: 68ch; }

/* ----------------------------------------------------------------- forms -- */
.form-card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--maroon);
  border-radius: var(--r-lg);
  padding: clamp(22px, 2.8vw, 36px);
  box-shadow: var(--shadow-md);
}
.field { display: grid; gap: 7px; margin-bottom: 16px; }
.field label {
  font-size: .81rem; font-weight: 700; color: var(--ink-2);
  letter-spacing: .01em;
}
.field label .req { color: var(--maroon); }
.field input, .field select, .field textarea {
  font-family: var(--body); font-size: .96rem; color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--rule-strong);
  border-radius: var(--r-md);
  padding: 12px 14px;
  width: 100%;
  transition: border-color .18s ease, box-shadow .18s ease, background-color .18s ease;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 0;
  border-color: var(--foil);
  box-shadow: 0 0 0 3px rgba(213,127,29,.18);
  background: var(--card);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 620px) { .field-row { grid-template-columns: 1fr; } }

.consent {
  display: flex; gap: 11px; align-items: flex-start;
  font-size: .82rem; color: var(--ink-soft); line-height: 1.5;
  margin: 4px 0 18px;
}
.consent input { width: 17px; height: 17px; flex: none; margin-top: 2px; accent-color: var(--maroon); }

.disclaimer {
  font-size: .76rem; color: var(--ink-soft); line-height: 1.55;
  border-inline-start: 2px solid var(--rule-foil);
  padding-inline-start: 13px;
  margin-top: 16px;
}

.form-status {
  margin-top: 14px; padding: 12px 15px; border-radius: var(--r-md);
  font-size: .875rem; font-weight: 600;
  background: rgba(47,107,70,.1); color: var(--ok);
  border: 1px solid rgba(47,107,70,.3);
  display: none;
}
.form-status.show { display: block; }

/* --------------------------------------------------------------- offices -- */
.office {
  background: var(--card); border: 1px solid var(--rule);
  border-radius: var(--r-lg); overflow: hidden;
  display: flex; flex-direction: column;
}
.office-body { padding: clamp(20px, 2.2vw, 28px); }
.office-body h3 { margin: 10px 0 6px; }
.office .addr { font-size: .95rem; color: var(--ink-soft); line-height: 1.6; }
.office .rows { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--rule); display: grid; gap: 9px; }
.office .rows div { display: flex; justify-content: space-between; gap: 12px; font-size: .88rem; }
.office .rows .k { color: var(--ink-soft); }
.office .rows .v { font-family: var(--mono); color: var(--ink); font-weight: 500; }
.office-map { aspect-ratio: 16 / 9; background: var(--paper-3); border-top: 1px solid var(--rule); }
.office-map iframe { width: 100%; height: 100%; border: 0; display: block; filter: saturate(.86) contrast(1.02); }
:root[data-theme="dark"] .office-map iframe,
:root:not([data-theme="light"]) .office-map iframe { filter: invert(.9) hue-rotate(180deg) saturate(.7) contrast(.92); }
@media (prefers-color-scheme: light) {
  :root:not([data-theme="dark"]) .office-map iframe { filter: saturate(.86) contrast(1.02); }
}

/* ----------------------------------------------------------------- table -- */
.table-wrap { overflow-x: auto; border: 1px solid var(--rule); border-radius: var(--r-lg); background: var(--card); }
table.doc { width: 100%; border-collapse: collapse; min-width: 560px; }
table.doc th, table.doc td { padding: 15px 18px; text-align: start; border-bottom: 1px solid var(--rule); }
table.doc th {
  font-family: var(--mono); font-size: .67rem; font-weight: 600;
  letter-spacing: .15em; text-transform: uppercase; color: var(--ink-soft);
  background: var(--paper-2);
}
table.doc tr:last-child td { border-bottom: 0; }
table.doc tbody tr { transition: background-color .16s ease; }
table.doc tbody tr:hover { background: var(--paper-2); }
table.doc .size { font-family: var(--mono); font-size: .84rem; color: var(--ink-soft); white-space: nowrap; }
table.doc .dl { white-space: nowrap; font-weight: 700; font-size: .86rem; text-decoration: none; }

/* --------------------------------------------------------------- process -- */
.steps { counter-reset: step; display: grid; gap: 0; }
.step {
  display: grid; grid-template-columns: 62px 1fr; gap: clamp(14px, 2vw, 26px);
  padding: 24px 0; border-bottom: 1px solid var(--rule);
  align-items: start;
}
.step:last-child { border-bottom: 0; }
.step .n {
  font-family: var(--mono); font-size: 1.5rem; font-weight: 600;
  color: var(--foil); line-height: 1;
  border-inline-end: 1px solid var(--rule-foil);
  padding-inline-end: 14px; text-align: end;
  font-variant-numeric: tabular-nums;
}
.step h4 { margin-bottom: 5px; }
.step p { margin: 0; font-size: .93rem; color: var(--ink-soft); }

/* ---------------------------------------------------------------- footer -- */
.site-footer {
  background: var(--oxblood);
  color: var(--on-dark-soft);
  border-top: 3px solid var(--foil);
}
.footer-top { padding-block: clamp(46px, 5.5vw, 78px); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.55fr 1fr 1fr 1.05fr;
  gap: clamp(26px, 3vw, 46px);
}
@media (max-width: 1020px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px)  { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand img { width: 190px; margin-bottom: 18px; }
.footer-brand p { font-size: .92rem; line-height: 1.65; max-width: 42ch; color: var(--on-dark-soft); }
.site-footer h4 {
  font-family: var(--mono); font-size: .69rem; font-weight: 600;
  letter-spacing: .19em; text-transform: uppercase;
  color: var(--foil-hi); margin-bottom: 16px;
}
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer ul a, .site-footer .fline {
  color: var(--on-dark-soft); text-decoration: none; font-size: .92rem;
  transition: color .16s ease;
}
.site-footer ul a:hover { color: var(--foil-hi); }

.eho { display: flex; gap: 11px; align-items: center; margin-top: 20px; font-size: .8rem; color: var(--on-dark-soft); }
.eho svg { width: 30px; height: 30px; flex: none; color: var(--foil-hi); }

.social { display: flex; gap: 8px; margin-top: 20px; }
.social a {
  width: 38px; height: 38px; display: grid; place-items: center;
  border: 1px solid rgba(247,237,226,.2); border-radius: var(--r-md);
  color: var(--on-dark); transition: all .18s ease;
}
.social a:hover { border-color: var(--foil); color: var(--foil-hi); background: rgba(213,127,29,.14); transform: translateY(-2px); }
.social svg { width: 17px; height: 17px; }

.footer-bottom {
  border-top: 1px solid rgba(247,237,226,.14);
  padding-block: 22px;
  display: flex; flex-wrap: wrap; gap: 14px 22px;
  align-items: center; justify-content: space-between;
  font-size: .82rem;
}
.footer-bottom a { color: var(--on-dark-soft); text-decoration: none; }
.footer-bottom a:hover { color: var(--foil-hi); }
.footer-legal { display: flex; flex-wrap: wrap; gap: 8px 18px; align-items: center; }
.footer-credit a { color: var(--foil-hi); text-decoration: none; font-weight: 600; }
.footer-credit a:hover { text-decoration: underline; }

/* the discreet insights entry point — a foil lozenge, no label (req. #8) */
.insights-key {
  display: inline-grid; place-items: center;
  width: 22px; height: 22px; border-radius: 50%;
  color: rgba(247,237,226,.34);
  border: 1px solid rgba(247,237,226,.2);
  text-decoration: none;
  transition: all .2s ease;
  font-size: 9px; line-height: 1;
}
.insights-key:hover { color: var(--oxblood); background: var(--foil-hi); border-color: var(--foil-hi); }

/* ------------------------------------------------------------ call float -- */
.call-float {
  position: fixed; inset-inline-end: 18px; bottom: 18px; z-index: 80;
  display: inline-flex; align-items: center; gap: 10px;
  background: linear-gradient(180deg, var(--maroon), var(--maroon-deep));
  color: #fff; text-decoration: none;
  padding: 13px 20px; border-radius: 100px;
  font-weight: 700; font-size: .9rem;
  box-shadow: var(--shadow-lg);
  opacity: 0; transform: translateY(16px) scale(.96); pointer-events: none;
  transition: opacity .3s ease, transform .3s cubic-bezier(.2,.7,.3,1);
}
.call-float.show { opacity: 1; transform: none; pointer-events: auto; }
.call-float:hover { color: #fff; }
.call-float svg { width: 17px; height: 17px; }
.call-float .ring {
  position: absolute; inset: -3px; border-radius: 100px;
  border: 2px solid var(--foil); opacity: 0;
  animation: ring 2.6s ease-out infinite;
}
@keyframes ring {
  0%   { transform: scale(.94); opacity: .7; }
  70%  { transform: scale(1.14); opacity: 0; }
  100% { opacity: 0; }
}
@media (prefers-reduced-motion: reduce) { .call-float .ring { animation: none; } }
@media (max-width: 520px) { .call-float span.txt { display: none; } .call-float { padding: 15px; } }

/* ------------------------------------------------------------ breadcrumb -- */
.crumbs {
  font-family: var(--mono); font-size: .7rem; letter-spacing: .1em;
  text-transform: uppercase; color: var(--ink-soft);
  display: flex; gap: 9px; flex-wrap: wrap; align-items: center;
}
.crumbs a { color: var(--ink-soft); text-decoration: none; }
.crumbs a:hover { color: var(--foil-text); }
.crumbs .sep { color: var(--foil); }
.band-dark .crumbs, .band-dark .crumbs a { color: var(--on-dark-soft); }

/* --------------------------------------------------------- page masthead -- */
.page-head {
  background:
    radial-gradient(760px 380px at 82% -20%, rgba(213,127,29,.16), transparent 62%),
    var(--oxblood);
  color: var(--on-dark);
  padding-block: clamp(46px, 5.6vw, 88px);
  border-bottom: 3px solid var(--foil);
  overflow: hidden;
}
.page-head h1 { color: #fff; margin-top: 14px; max-width: 20ch; }
.page-head .lead { color: var(--on-dark-soft); margin-top: 18px; max-width: 58ch; }
.page-head .crumbs { margin-bottom: 20px; }

/* -------------------------------------------------------------- insights -- */
.post-list { display: grid; gap: 2px; background: var(--rule); border-block: 1px solid var(--rule); }
.post-item {
  background: var(--paper);
  padding: clamp(22px, 2.6vw, 32px) 0;
  display: grid; grid-template-columns: 130px 1fr; gap: clamp(16px, 2.4vw, 34px);
  transition: background-color .2s ease;
}
.post-item:hover { background: var(--paper-2); }
.post-item .meta {
  font-family: var(--mono); font-size: .68rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--ink-soft); padding-top: 6px;
}
.post-item h3 { margin-bottom: 8px; }
.post-item h3 a { text-decoration: none; color: var(--ink); }
.post-item h3 a:hover { color: var(--maroon); }
.post-item p { font-size: .94rem; color: var(--ink-soft); margin-bottom: 10px; max-width: 68ch; }
@media (max-width: 680px) { .post-item { grid-template-columns: 1fr; gap: 8px; } }

.article { max-width: 720px; margin-inline: auto; }
.article h2 { font-size: clamp(1.45rem, 1.15rem + 1.1vw, 2rem); margin: 44px 0 14px; }
.article h3 { margin: 30px 0 10px; }
.article p, .article li { color: var(--ink-2); font-size: 1.045rem; line-height: 1.72; }
.article ul, .article ol { padding-inline-start: 22px; margin: 0 0 1.05em; }
.article li { margin-bottom: 8px; }
.article .key-take {
  background: var(--paper-2); border: 1px solid var(--rule);
  border-inline-start: 3px solid var(--foil);
  border-radius: var(--r-md);
  padding: 20px 24px; margin: 30px 0;
}
.article .key-take h4 {
  font-family: var(--mono); font-size: .68rem; letter-spacing: .17em;
  text-transform: uppercase; color: var(--foil-text); margin-bottom: 10px;
}
.article .key-take p:last-child, .article .key-take ul:last-child { margin-bottom: 0; }
.article-foot {
  margin-top: 46px; padding-top: 26px; border-top: 1px solid var(--rule);
}

/* ------------------------------------------------------------- animation -- */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .72s cubic-bezier(.2,.7,.3,1), transform .72s cubic-bezier(.2,.7,.3,1);
}
.reveal.in { opacity: 1; transform: none; }
.reveal[data-d="1"] { transition-delay: .08s; }
.reveal[data-d="2"] { transition-delay: .16s; }
.reveal[data-d="3"] { transition-delay: .24s; }
.reveal[data-d="4"] { transition-delay: .32s; }
.reveal[data-d="5"] { transition-delay: .40s; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  .btn:hover, .card:hover, .program-card:hover { transform: none; }
  .slider-track { transition: none; }
}

/* print */
@media print {
  .site-header, .utility, .marquee, .call-float, .drawer, .site-footer .social { display: none !important; }
  body { background: #fff; color: #000; }
  .reveal { opacity: 1 !important; transform: none !important; }
}