/* HomeSelect loan officer landing pages: paper-collage art direction on Geneva Financial brand colors. */

:root {
  --crimson: #981F33;
  --crimson-deep: #761828;
  --crimson-soft: #f4e2e4;
  --crimson-light: #f0a6b2;
  --slate: #5F6B72;
  --slate-ink: #4a5058;
  --slate-soft: #e3e6ea;
  --ink: #1a1a1a;
  --paper: #f5f0e7;
  --paper-deep: #ece3d3;
  --card: #fffdf8;
  --line: rgb(26 26 26 / 0.12);
  --line-strong: rgb(26 26 26 / 0.22);
  --gold: #981F33;
  --error: #b42318;
  --error-soft: #fdf1ef;

  --font-display: "Poppins", sans-serif;
  --font-body: "Poppins", sans-serif;

  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 26px;
  --shadow-paper: 0 1px 1px rgb(60 40 20 / 0.06), 0 6px 14px -6px rgb(60 40 20 / 0.18), 0 22px 40px -24px rgb(60 40 20 / 0.32);
  --shadow-lift: 0 2px 4px rgb(60 40 20 / 0.08), 0 18px 40px -12px rgb(60 40 20 / 0.3);

  --container: 1200px;
  --gutter: clamp(1.125rem, 4vw, 2rem);
  --section-y: clamp(4.5rem, 9vw, 7.5rem);

  --grain: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='g'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 0.32 0 0 0 0 0.24 0 0 0 0 0.16 0 0 0 0.12 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23g)'/%3E%3C/svg%3E");
  --torn-mat: polygon(0% 0.5%, 7.1% 0.7%, 14.3% 1.1%, 21.4% 0.6%, 28.6% 0.6%, 35.7% 0.7%, 42.9% 0.2%, 50% 0.6%, 57.1% 0.8%, 64.3% 1%, 71.4% 0.1%, 78.6% 0.4%, 85.7% 0.1%, 92.9% 1%, 100% 0.8%, 99.9% 7.1%, 98.8% 14.3%, 98.8% 21.4%, 99.2% 28.6%, 99.3% 35.7%, 99.8% 42.9%, 100% 50%, 99.4% 57.1%, 99.9% 64.3%, 99.8% 71.4%, 99.7% 78.6%, 100% 85.7%, 99.4% 92.9%, 100% 99.5%, 92.9% 99%, 85.7% 99.4%, 78.6% 99.2%, 71.4% 99.4%, 64.3% 99.2%, 57.1% 99.5%, 50% 99.7%, 42.9% 98.8%, 35.7% 98.8%, 28.6% 99%, 21.4% 99.2%, 14.3% 99.6%, 7.1% 99.7%, 0% 99.7%, 0.1% 92.9%, 0.9% 85.7%, 0.5% 78.6%, 1% 71.4%, 0.5% 64.3%, 1.1% 57.1%, 1% 50%, 0% 42.9%, 0.3% 35.7%, 1.1% 28.6%, 0.6% 21.4%, 1.2% 14.3%, 0.5% 7.1%);
  --torn-tag: polygon(0% 1.4%, 16.7% 3.3%, 33.3% 2.2%, 50% 3.6%, 66.7% 3.8%, 83.3% 0.4%, 100% 0.1%, 95% 16.7%, 98.4% 33.3%, 98.6% 50%, 94% 66.7%, 97.2% 83.3%, 100% 95%, 83.3% 97.1%, 66.7% 96.2%, 50% 99.1%, 33.3% 96.2%, 16.7% 94.8%, 0% 96.9%, 4.4% 83.3%, 4% 66.7%, 0.4% 50%, 4.5% 33.3%, 3.5% 16.7%);

  color-scheme: light;
}

/* Base */

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

[hidden] {
  display: none !important;
}

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-padding-top: calc(5.5rem + env(safe-area-inset-top));
}

@media (max-width: 899px) {
  html {
    scroll-padding-bottom: calc(5.75rem + env(safe-area-inset-bottom));
  }
}

@media (prefers-reduced-motion: no-preference) {
  html {
    scroll-behavior: smooth;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--grain), var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

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

img,
video {
  height: auto;
}

h1,
h2,
h3 {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-optical-sizing: auto;
  line-height: 1.08;
  letter-spacing: -0.015em;
  text-wrap: balance;
}

p {
  margin: 0;
  text-wrap: pretty;
}

a {
  color: inherit;
  cursor: pointer;
}

address {
  font-style: normal;
}

sup {
  font-size: 0.5em;
  line-height: 0;
  vertical-align: 0.9em;
}

:where(ul[role="list"], ol[role="list"]) {
  margin: 0;
  padding: 0;
  list-style: none;
}

button,
input,
select,
textarea {
  font: inherit;
  color: inherit;
}

:focus-visible {
  outline: 3px solid var(--crimson);
  outline-offset: 3px;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}

.sprite {
  position: absolute;
  width: 0;
  height: 0;
  overflow: hidden;
}

.icon {
  width: 1.25em;
  height: 1.25em;
  flex: none;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon--solid {
  fill: currentColor;
  stroke: none;
}

.container {
  width: min(100% - 2 * var(--gutter), var(--container));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  top: -5rem;
  left: 1rem;
  z-index: 100;
  padding: 0.75rem 1.1rem;
  border-radius: var(--radius-sm);
  background: var(--crimson);
  color: #fff;
  font-weight: 650;
  text-decoration: none;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 1rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--crimson);
}

.eyebrow::before {
  content: "";
  width: 1.75rem;
  height: 2px;
  background: currentColor;
}

.eyebrow--light {
  color: var(--crimson-light);
}

.fine {
  font-size: 0.8rem;
  line-height: 1.55;
  color: var(--slate-ink);
}

/* Buttons */

.btn {
  --btn-bg: var(--card);
  --btn-fg: var(--ink);
  --btn-border: var(--line-strong);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  min-height: 48px;
  padding: 0.8rem 1.35rem;
  border: 1.5px solid var(--btn-border);
  border-radius: 999px;
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-size: 0.98rem;
  font-weight: 650;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease, translate 0.2s ease;
}

@media (hover: hover) and (pointer: fine) {
  .btn:hover {
    translate: 0 -1px;
  }
}

.btn:active {
  translate: none;
  filter: brightness(0.96);
}

.btn:disabled {
  cursor: progress;
  translate: none;
}

.btn--primary {
  --btn-bg: var(--crimson);
  --btn-fg: #fff;
  --btn-border: var(--crimson);
  box-shadow: inset 0 1px 0 rgb(255 255 255 / 0.18), 0 10px 22px -12px rgb(148 33 51 / 0.75);
}

.btn--primary:hover {
  --btn-bg: var(--crimson-deep);
  --btn-border: var(--crimson-deep);
}

.btn--ghost:hover {
  --btn-border: var(--crimson);
  --btn-fg: var(--crimson);
}

.btn--light {
  --btn-bg: #fff;
  --btn-fg: var(--crimson);
  --btn-border: #fff;
}

.btn--light:hover {
  --btn-bg: var(--paper);
  --btn-border: var(--paper);
}

.btn--outline-light {
  --btn-bg: transparent;
  --btn-fg: #fff;
  --btn-border: rgb(255 255 255 / 0.6);
}

.btn--outline-light:hover {
  --btn-bg: rgb(255 255 255 / 0.1);
  --btn-border: #fff;
}

.btn--sm {
  min-height: 44px;
  padding: 0.55rem 1rem;
  font-size: 0.9rem;
}

.btn--lg {
  min-height: 54px;
  padding: 0.95rem 1.6rem;
  font-size: 1.02rem;
}

.btn--block {
  width: 100%;
}

.btn__spinner {
  display: none;
  width: 1.1rem;
  height: 1.1rem;
  border: 2px solid rgb(255 255 255 / 0.4);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

.btn[aria-busy="true"] .btn__spinner {
  display: block;
}

.btn[aria-busy="true"] .btn__arrow {
  display: none;
}

/* Header */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  padding-top: env(safe-area-inset-top);
  border-bottom: 1px solid var(--line);
  background: rgb(245 240 231 / 0.88);
  -webkit-backdrop-filter: blur(12px) saturate(1.2);
  backdrop-filter: blur(12px) saturate(1.2);
}

.site-header__inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  min-height: 4.25rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.85rem;
  min-height: 44px;
  margin-right: auto;
  padding-block: 0.35rem;
  text-decoration: none;
  touch-action: manipulation;
}

.brand__logo {
  width: auto;
  height: 34px;
}

.brand__divider {
  width: 1px;
  height: 28px;
  background: var(--line-strong);
}

.brand__program {
  width: auto;
  height: 38px;
}

.site-nav {
  display: none;
  gap: 1.6rem;
}

.site-nav a {
  display: flex;
  align-items: center;
  min-height: 44px;
  padding-block: 0.5rem;
  border-bottom: 2px solid transparent;
  font-size: 0.95rem;
  font-weight: 550;
  color: var(--slate-ink);
  text-decoration: none;
  touch-action: manipulation;
  transition: color 0.2s ease, border-color 0.2s ease;
}

.site-nav a:hover,
.site-nav a:active {
  border-color: currentColor;
  color: var(--crimson);
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-width: 44px;
  min-height: 44px;
  padding: 0.4rem 0.85rem;
  border: 1.5px solid var(--line-strong);
  border-radius: 999px;
  background: var(--card);
  color: var(--ink);
  font: inherit;
  font-size: 0.92rem;
  font-weight: 650;
  line-height: 1;
  cursor: pointer;
  touch-action: manipulation;
}

.nav-toggle__bars {
  position: relative;
  width: 1.05rem;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
}

.nav-toggle__bars::before,
.nav-toggle__bars::after {
  content: "";
  position: absolute;
  left: 0;
  width: 1.05rem;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: top 0.2s ease, rotate 0.2s ease;
}

.nav-toggle__bars::before {
  top: -6px;
}

.nav-toggle__bars::after {
  top: 6px;
}

.site-header.is-menu-open .nav-toggle__bars {
  background: transparent;
}

.site-header.is-menu-open .nav-toggle__bars::before {
  top: 0;
  rotate: 45deg;
}

.site-header.is-menu-open .nav-toggle__bars::after {
  top: 0;
  rotate: -45deg;
}

.header-phone {
  display: none;
  align-items: center;
  gap: 0.45rem;
  min-height: 44px;
  padding-inline: 0.15rem;
  font-size: 0.95rem;
  font-weight: 650;
  color: var(--ink);
  text-decoration: none;
  touch-action: manipulation;
  transition: color 0.2s ease;
}

.header-phone:hover {
  color: var(--crimson);
}

@media (max-width: 719px) {
  .site-header__inner {
    gap: 0.65rem;
  }

  .brand {
    gap: 0.5rem;
    min-width: 0;
  }

  .brand__logo {
    height: 26px;
  }

  .brand__divider {
    height: 22px;
  }

  .brand__program {
    height: 26px;
  }
}

@media (max-width: 379px) {
  .nav-toggle {
    width: 44px;
    padding-inline: 0;
  }

  .nav-toggle__text {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: -1px;
    padding: 0;
    overflow: hidden;
    clip-path: inset(50%);
    white-space: nowrap;
    border: 0;
  }

  .brand__logo,
  .brand__program {
    height: 24px;
  }
}

@media (max-width: 719px) {
  .site-header__actions .btn {
    display: none;
  }
}

@media (min-width: 720px) and (max-width: 899px) {
  .nav-toggle {
    width: 44px;
    padding-inline: 0;
  }

  .nav-toggle__text {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: -1px;
    padding: 0;
    overflow: hidden;
    clip-path: inset(50%);
    white-space: nowrap;
    border: 0;
  }
}

@media (max-width: 1099px) {
  .site-header.is-menu-open {
    z-index: 70;
  }

  .site-header.is-menu-open .site-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    z-index: 2;
    display: flex;
    flex-direction: column;
    gap: 0;
    max-height: calc(100dvh - 4.75rem - 5.75rem - env(safe-area-inset-top) - env(safe-area-inset-bottom));
    padding: 0.35rem var(--gutter) 0.75rem;
    overflow: auto;
    overscroll-behavior: contain;
    border-bottom: 1px solid var(--line);
    background: var(--paper);
    box-shadow: var(--shadow-paper);
    -webkit-overflow-scrolling: touch;
  }

  .site-header.is-menu-open .site-nav a {
    min-height: 48px;
    padding: 0.7rem 0.15rem;
    border-bottom: 1px solid var(--line);
    font-size: 1.05rem;
  }

  .site-header.is-menu-open .site-nav a:hover {
    border-bottom-color: var(--line);
  }
}

@media (min-width: 768px) {
  .header-phone {
    display: inline-flex;
  }
}

@media (min-width: 1100px) {
  .nav-toggle {
    display: none;
  }

  .site-header__actions {
    gap: 1rem;
  }

  .site-header.is-menu-open .site-nav,
  .site-nav {
    position: static;
    display: flex;
    flex-direction: row;
    max-height: none;
    padding: 0;
    overflow: visible;
    border: 0;
    background: transparent;
    box-shadow: none;
  }
}

/* Hero */

.hero {
  position: relative;
  padding-block: clamp(2.5rem, 6vw, 5rem) clamp(4.5rem, 8vw, 7rem);
  overflow-x: clip;
}

.hero::before {
  content: "";
  position: absolute;
  inset: -20% 45% auto -25%;
  height: 80%;
  background: radial-gradient(closest-side, rgb(148 33 51 / 0.09), transparent);
  pointer-events: none;
}

.hero__grid {
  position: relative;
  display: grid;
  gap: clamp(3rem, 6vw, 4rem);
  align-items: center;
}

.hero__title {
  max-width: 14ch;
  margin-top: 1.1rem;
  font-size: clamp(2.55rem, 5.6vw, 4.5rem);
  line-height: 1.02;
  letter-spacing: -0.025em;
}

.hero__title em {
  font-style: italic;
  color: var(--crimson);
}

.hero__lead {
  max-width: 38rem;
  margin-top: 1.4rem;
  font-size: clamp(1.06rem, 1.4vw, 1.2rem);
  color: var(--slate-ink);
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.hero__more a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  font-weight: 650;
  text-decoration: underline;
  text-underline-offset: 0.18em;
  touch-action: manipulation;
}

.hero__note {
  max-width: 38rem;
  margin-top: 0.9rem;
  color: var(--slate-ink);
}

.hero__note a,
.simulator-intro a {
  color: var(--crimson);
  font-weight: 650;
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.hero__more {
  margin-top: 0.35rem;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1.5rem;
}

.hero__points {
  display: grid;
  gap: 0.7rem;
  margin-top: 2rem;
}

.hero__points li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.98rem;
  font-weight: 550;
}

.hero__points .icon {
  color: var(--crimson);
}

.lo-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.85rem;
  max-width: 100%;
  min-height: 48px;
  margin-top: 2.25rem;
  padding: 0.5rem 1.15rem 0.5rem 0.5rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--card);
  box-shadow: var(--shadow-paper);
  text-decoration: none;
  touch-action: manipulation;
  transition: border-color 0.2s ease;
}

.lo-chip:hover {
  border-color: rgb(148 33 51 / 0.45);
}

.lo-chip__photo {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
}

.lo-chip__text {
  display: grid;
  min-width: 0;
  line-height: 1.3;
}

.lo-chip__text strong {
  font-size: 1rem;
}

.lo-chip__text span {
  font-size: 0.82rem;
  color: var(--slate-ink);
}

.hero__visual {
  position: relative;
  display: grid;
  place-items: center;
  padding-block: 2rem 1rem;
  isolation: isolate;
}

.paper-stack {
  position: absolute;
  inset: 3% 4% 14% 8%;
  z-index: -1;
  filter: drop-shadow(0 18px 24px rgb(60 40 20 / 0.22));
}

.paper {
  position: absolute;
  inset: 0;
  background: var(--grain), var(--crimson);
  clip-path: polygon(0% 1%, 8.3% 0.5%, 16.7% 2.1%, 25% 0.2%, 33.3% 1.7%, 41.7% 1.2%, 50% 0.2%, 58.3% 1.6%, 66.7% 0.1%, 75% 1.4%, 83.3% 0.2%, 91.7% 0.3%, 100% 1.4%, 97.4% 8.3%, 99.6% 16.7%, 99.3% 25%, 98% 33.3%, 97% 41.7%, 98.2% 50%, 98.7% 58.3%, 96.9% 66.7%, 99.9% 75%, 97.3% 83.3%, 99.1% 91.7%, 100% 99.5%, 91.7% 99.6%, 83.3% 99%, 75% 97.4%, 66.7% 99.4%, 58.3% 98.1%, 50% 98%, 41.7% 98.8%, 33.3% 98.2%, 25% 99.8%, 16.7% 99.8%, 8.3% 99.3%, 0% 97.8%, 1.4% 91.7%, 1% 83.3%, 1.9% 75%, 1.5% 66.7%, 1% 58.3%, 2.5% 50%, 2.2% 41.7%, 0.8% 33.3%, 1.8% 25%, 1.7% 16.7%, 2.8% 8.3%);
  rotate: 5deg;
}

.paper--slate {
  inset: 9% -5% -6% 16%;
  background: var(--grain), var(--slate);
  clip-path: polygon(0% 2.2%, 8.3% 2.5%, 16.7% 1.7%, 25% 1.6%, 33.3% 1.3%, 41.7% 3.2%, 50% 0.9%, 58.3% 0.5%, 66.7% 0.8%, 75% 0.8%, 83.3% 1%, 91.7% 0.9%, 100% 0.3%, 99% 8.3%, 99% 16.7%, 98.2% 25%, 99.4% 33.3%, 99.8% 41.7%, 99.4% 50%, 98.3% 58.3%, 98.8% 66.7%, 97.7% 75%, 97.4% 83.3%, 98.7% 91.7%, 100% 99.7%, 91.7% 97.7%, 83.3% 97.6%, 75% 98.7%, 66.7% 97.9%, 58.3% 99%, 50% 97.1%, 41.7% 97.3%, 33.3% 97.5%, 25% 96.9%, 16.7% 99.3%, 8.3% 98.3%, 0% 97.7%, 2.6% 91.7%, 1.2% 83.3%, 0.4% 75%, 2% 66.7%, 0.3% 58.3%, 2.3% 50%, 0% 41.7%, 1.5% 33.3%, 1.5% 25%, 0.4% 16.7%, 1.5% 8.3%);
  rotate: -7deg;
}

/* Hero phone mockup */

.phone {
  position: relative;
  width: min(310px, 74vw);
  margin: 0;
  rotate: -3deg;
  container-type: inline-size;
}

.phone__frame {
  aspect-ratio: 310 / 548;
  padding: 3.6cqi;
  border-radius: 15cqi;
  background: linear-gradient(145deg, #2c2c30, #111113);
  box-shadow: inset 0 0 0 1px rgb(255 255 255 / 0.07), var(--shadow-lift), 0 40px 80px -30px rgb(30 20 10 / 0.55);
}

.phone__screen {
  display: flex;
  flex-direction: column;
  height: 100%;
  padding: 5cqi 5.5cqi 5.5cqi;
  overflow: hidden;
  border-radius: 11.5cqi;
  background: #fbfaf7;
  font-size: 4.3cqi;
  line-height: 1.35;
}

.app-status {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78em;
  font-weight: 650;
}

.app-status__icons {
  display: inline-flex;
  align-items: flex-end;
  gap: 0.2em;
}

.app-status__icons i {
  display: block;
  width: 0.28em;
  border-radius: 1px;
  background: var(--ink);
}

.app-status__icons i:nth-child(1) {
  height: 0.45em;
}

.app-status__icons i:nth-child(2) {
  height: 0.65em;
}

.app-status__icons i:nth-child(3) {
  height: 0.85em;
}

.app-head {
  display: flex;
  align-items: center;
  gap: 0.6em;
  margin-top: 1.1em;
}

.app-head__badge {
  display: grid;
  place-items: center;
  width: 2.1em;
  height: 2.1em;
  border-radius: 0.6em;
  background: var(--crimson);
  color: #fff;
  font-size: 0.85em;
  font-weight: 700;
}

.app-head__name {
  font-weight: 700;
}

.app-head__chip {
  margin-left: auto;
  padding: 0.3em 0.65em;
  border-radius: 999px;
  background: var(--crimson-soft);
  color: var(--crimson);
  font-size: 0.68em;
  font-weight: 650;
  white-space: nowrap;
}

.app-label {
  margin-top: 1.35em;
  font-size: 0.74em;
  font-weight: 650;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
}

.app-balance {
  display: grid;
  margin-top: 0.15em;
  font-family: var(--font-display);
  font-size: 2.1em;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  line-height: 1.1;
}

.app-balance__value {
  grid-area: 1 / 1;
}

.app-balance__value--before {
  opacity: 0;
}

.app-delta {
  display: inline-flex;
  align-items: center;
  gap: 0.35em;
  width: fit-content;
  margin-top: 0.45em;
  padding: 0.25em 0.65em;
  border-radius: 999px;
  background: var(--crimson);
  color: #fff;
  font-size: 0.72em;
  font-weight: 650;
}

.app-delta .icon {
  width: 1.1em;
  height: 1.1em;
}

.app-spark {
  width: 100%;
  height: 3.4em;
  margin-top: 0.9em;
}

.app-spark path {
  fill: none;
  stroke: var(--crimson);
  stroke-width: 2.25;
  stroke-linejoin: round;
  vector-effect: non-scaling-stroke;
}

.app-section {
  margin-top: 1em;
  font-size: 0.74em;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
}

.app-activity {
  display: grid;
  margin: 0.35em 0 0;
  padding: 0;
  list-style: none;
}

.app-row {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 0.65em;
  padding: 0.5em 0;
  border-bottom: 1px solid rgb(26 26 26 / 0.07);
}

.app-row__icon {
  display: grid;
  place-items: center;
  width: 2.2em;
  height: 2.2em;
  border-radius: 0.7em;
  background: var(--slate-soft);
  color: var(--slate-ink);
}

.app-row__icon .icon {
  width: 1.2em;
  height: 1.2em;
}

.app-row__text {
  display: grid;
  line-height: 1.25;
}

.app-row__text strong {
  font-size: 0.9em;
}

.app-row__text span {
  font-size: 0.7em;
  color: var(--slate);
}

.app-row__amount {
  font-size: 0.86em;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

.app-row--deposit .app-row__icon {
  background: var(--crimson);
  color: #fff;
}

.app-row--deposit .app-row__amount {
  color: var(--crimson);
}

.app-actions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.5em;
  margin-top: auto;
  padding-top: 0.8em;
}

.app-actions span {
  display: grid;
  place-items: center;
  gap: 0.2em;
  padding: 0.55em 0;
  border: 1px solid rgb(26 26 26 / 0.08);
  border-radius: 0.8em;
  background: #fff;
  font-size: 0.68em;
  font-weight: 650;
}

.app-actions .icon {
  width: 1.55em;
  height: 1.55em;
  color: var(--crimson);
}

.phone__caption {
  position: relative;
  z-index: 3;
  max-width: 32ch;
  margin: 1.4rem auto 0;
  padding: 0.6rem 0.85rem;
  border-radius: 10px;
  background: var(--card);
  box-shadow: var(--shadow-paper);
  rotate: 3deg;
  font-size: 0.78rem;
  line-height: 1.45;
  text-align: center;
  color: var(--slate-ink);
}

.paper-tag {
  position: absolute;
  z-index: 2;
  margin: 0;
  filter: drop-shadow(0 8px 12px rgb(60 40 20 / 0.24));
}

.paper-tag__inner {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  max-width: 15rem;
  padding: 0.75rem 1.05rem 0.75rem 0.95rem;
  background: var(--grain), var(--card);
  clip-path: var(--torn-tag);
  font-size: 0.86rem;
  font-weight: 650;
  line-height: 1.25;
}

.paper-tag .icon {
  width: 1.2rem;
  height: 1.2rem;
}

.paper-tag--deposit {
  top: 2%;
  left: 0;
  rotate: -5deg;
}

.paper-tag--deposit .paper-tag__inner {
  background: var(--grain), var(--crimson);
  color: #fff;
}

.paper-tag--bills {
  top: 31%;
  right: 0;
  rotate: 4deg;
}

.paper-tag--night {
  bottom: 21%;
  left: 0;
  rotate: -2deg;
}

.paper-tag--night .paper-tag__inner {
  background: var(--grain), var(--ink);
  color: var(--paper);
}

@media (max-width: 599px) {
  .hero__actions,
  .cta-row,
  .cta-band__actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero__actions .btn,
  .cta-row .btn,
  .cta-band__actions .btn,
  .faq-call {
    width: 100%;
  }

  .hero__visual {
    overflow: clip;
  }

  .paper--slate {
    inset: 8% 2% -4% 12%;
  }

  .paper-tag__inner {
    max-width: 11.5rem;
    padding: 0.6rem 0.8rem;
    font-size: 0.78rem;
  }

  .paper-tag--deposit {
    left: 0;
  }

  .paper-tag--bills {
    right: 0;
  }

  .paper-tag--night {
    display: none;
  }
}

@media (min-width: 960px) {
  .hero__grid {
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  }

  .paper-tag--deposit {
    left: -5%;
  }

  .paper-tag--bills {
    right: -5%;
  }

  .paper-tag--night {
    left: -3%;
  }
}

@media (prefers-reduced-motion: no-preference) {
  .phone {
    animation: rise-in 0.8s cubic-bezier(0.2, 0.8, 0.2, 1) 0.1s both;
  }

  .app-spark {
    animation: wipe 1.6s ease 0.5s both;
  }

  .app-row--deposit {
    animation: row-in 0.6s cubic-bezier(0.2, 0.8, 0.2, 1) 1s both;
  }

  .app-balance__value--before {
    animation: value-out 0.45s ease 1.45s both;
  }

  .app-balance__value--after {
    animation: value-in 0.55s cubic-bezier(0.2, 0.8, 0.2, 1) 1.55s both;
  }

  .app-delta {
    animation: pop-in 0.45s cubic-bezier(0.2, 0.8, 0.2, 1) 1.95s both;
  }

  .paper-tag {
    animation: tag-in 0.6s cubic-bezier(0.2, 0.8, 0.2, 1) both;
  }

  .paper-tag--deposit {
    animation-delay: 1.2s;
  }

  .paper-tag--bills {
    animation-delay: 2.2s;
  }

  .paper-tag--night {
    animation-delay: 2.5s;
  }
}

/* Torn-paper section edges */

.tear {
  position: absolute;
  left: 0;
  z-index: 1;
  width: 100%;
  height: 26px;
  color: var(--tear-color, var(--paper));
  fill: currentColor;
  pointer-events: none;
  filter: drop-shadow(0 3px 2px rgb(60 40 20 / 0.12));
}

.tear--top {
  top: -1px;
}

.tear--bottom {
  bottom: -1px;
  rotate: 180deg;
}

/* Sections */

.section {
  position: relative;
  padding-block: var(--section-y);
}

.section--deep {
  background: var(--grain), var(--paper-deep);
}

.section--ink {
  background: var(--grain), var(--ink);
  color: var(--paper);
}

.section-head {
  max-width: 46rem;
  margin-bottom: clamp(2.5rem, 5vw, 3.5rem);
}

.section-head h2 {
  margin-top: 0.9rem;
  font-size: clamp(2rem, 3.8vw, 3.15rem);
}

.section-head > p:not(.eyebrow) {
  margin-top: 1rem;
  font-size: 1.12rem;
  color: var(--slate-ink);
}

/* Lead form */

.form-grid {
  display: grid;
  gap: 2.5rem;
  align-items: start;
}

.form-card {
  position: relative;
  padding: clamp(1.5rem, 4vw, 2.75rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--card);
  box-shadow: var(--shadow-lift);
}

.form-card::before {
  content: "";
  position: absolute;
  top: -12px;
  left: clamp(1.5rem, 4vw, 2.75rem);
  width: 7.5rem;
  height: 24px;
  background: var(--grain), rgb(148 33 51 / 0.88);
  clip-path: var(--torn-tag);
  rotate: -3deg;
}

.form-card__head h2 {
  margin-top: 0.8rem;
  font-size: clamp(1.85rem, 3vw, 2.45rem);
}

.form-card__head > p:not(.eyebrow) {
  margin-top: 0.75rem;
  color: var(--slate-ink);
}

.form-card__head a:not(.btn) {
  color: var(--crimson);
  font-weight: 650;
}

.next-steps {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.4rem;
  margin-top: 1.25rem;
  counter-reset: step;
  font-size: 0.88rem;
  font-weight: 650;
  color: var(--slate-ink);
}

.next-steps li {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  counter-increment: step;
}

.next-steps li::before {
  content: counter(step);
  display: grid;
  place-items: center;
  width: 1.55rem;
  height: 1.55rem;
  border-radius: 50%;
  background: var(--crimson-soft);
  color: var(--crimson);
  font-size: 0.78rem;
  font-weight: 700;
}

.lead-form {
  display: grid;
  gap: 1.5rem;
  margin-top: 2rem;
}

.hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.field-grid {
  display: grid;
  gap: 1.15rem 1.25rem;
}

.field {
  display: grid;
  align-content: start;
  gap: 0.4rem;
  min-width: 0;
}

.field label,
.choice-group legend {
  font-size: 0.93rem;
  font-weight: 650;
}

.req {
  margin-left: 0.1em;
  color: var(--crimson);
}

.optional {
  font-size: 0.85em;
  font-weight: 500;
  color: var(--slate-ink);
}

.input {
  width: 100%;
  min-height: 50px;
  padding: 0.75rem 0.95rem;
  border: 1.5px solid var(--line-strong);
  border-radius: 12px;
  background-color: #fff;
  font-size: 1rem;
  outline: 2px solid transparent;
  outline-offset: 2px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.input:hover {
  border-color: rgb(26 26 26 / 0.38);
}

.input:focus {
  border-color: var(--crimson);
  box-shadow: 0 0 0 4px rgb(148 33 51 / 0.15);
}

select.input {
  padding-right: 2.6rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23606770' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-position: right 0.9rem center;
  background-repeat: no-repeat;
  background-size: 1.1rem;
  cursor: pointer;
  appearance: none;
}

textarea.input {
  min-height: 6.5rem;
  resize: vertical;
}

.field-error {
  display: none;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--error);
}

.field-error .icon {
  width: 1.05rem;
  height: 1.05rem;
}

.input:user-invalid,
.was-validated .input:invalid {
  border-color: var(--error);
  background-color: var(--error-soft);
}

.field:has(.input:user-invalid) .field-error,
.was-validated .field:has(:invalid) .field-error {
  display: flex;
}

.choice-group {
  margin: 0;
  padding: 0;
  border: 0;
}

.choice-group legend {
  margin-bottom: 0.55rem;
  padding: 0;
}

.choices {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.6rem;
}

.choice {
  position: relative;
  min-height: 44px;
  cursor: pointer;
  touch-action: manipulation;
}

.choice input {
  position: absolute;
  inset: 0;
  margin: 0;
  opacity: 0;
  cursor: pointer;
}

.choice__body {
  display: grid;
  justify-items: start;
  gap: 0.45rem;
  height: 100%;
  padding: 0.85rem 0.9rem;
  border: 1.5px solid var(--line-strong);
  border-radius: 14px;
  background: #fff;
  font-size: 0.93rem;
  font-weight: 650;
  line-height: 1.25;
  transition: border-color 0.2s ease, background-color 0.2s ease, box-shadow 0.2s ease;
}

.choice__body .icon {
  width: 1.4rem;
  height: 1.4rem;
  color: var(--slate);
  transition: color 0.2s ease;
}

.choice:hover .choice__body {
  border-color: rgb(148 33 51 / 0.45);
}

.choice input:checked + .choice__body {
  border-color: var(--crimson);
  background: var(--crimson-soft);
  box-shadow: inset 0 0 0 1px var(--crimson);
}

.choice input:checked + .choice__body .icon {
  color: var(--crimson);
}

.choice input:focus-visible + .choice__body {
  outline: 3px solid var(--crimson);
  outline-offset: 2px;
}

.was-validated .choice-group:has(:invalid) .choice__body {
  border-color: var(--error);
}

.was-validated .choice-group:has(:invalid) .field-error {
  display: flex;
  margin-top: 0.55rem;
}

.consent {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 0.3rem 0.85rem;
  padding: 1.1rem 1.15rem;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--paper);
}

.consent input {
  grid-row: span 2;
  width: 1.5rem;
  height: 1.5rem;
  margin: 0.15rem 0 0;
  accent-color: var(--crimson);
  cursor: pointer;
  touch-action: manipulation;
}

.consent label {
  font-size: 0.95rem;
  cursor: pointer;
  touch-action: manipulation;
}

.consent__text {
  font-size: 0.84rem;
  line-height: 1.55;
  color: #3b4047;
}

.consent__text a,
.form-legal a {
  color: var(--crimson);
  font-weight: 600;
  text-underline-offset: 2px;
}

.consent .field-error {
  grid-column: 2;
}

.consent:has(:user-invalid),
.was-validated .consent:has(:invalid) {
  border-color: var(--error);
}

.consent:has(:user-invalid) .field-error,
.was-validated .consent:has(:invalid) .field-error {
  display: flex;
}

.form-status {
  display: flex;
  gap: 0.55rem;
  padding: 0.85rem 1rem;
  border: 1px solid rgb(180 35 24 / 0.25);
  border-radius: 12px;
  background: var(--error-soft);
  color: var(--error);
  font-size: 0.92rem;
  font-weight: 600;
}

.form-status:empty {
  display: none;
}

.recaptcha-field {
  margin-top: 0.35rem;
}

.recaptcha-field .field-error {
  display: none;
}

.recaptcha-field.is-invalid .field-error {
  display: flex;
}

#lead-recaptcha {
  min-height: 78px;
}

.form-submit {
  display: grid;
  gap: 0.85rem;
}

.form-secure {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.84rem;
  color: var(--slate-ink);
}

.form-secure .icon {
  color: var(--crimson);
}

.form-legal {
  font-size: 0.8rem;
  line-height: 1.55;
  color: var(--slate-ink);
}

.form-legal,
.consent__text {
  overflow-wrap: anywhere;
}

.form-card.is-submitted .form-card__head {
  display: none;
}

.form-success {
  display: grid;
  justify-items: start;
  gap: 1rem;
  margin-top: 2rem;
  padding: 1.75rem;
  border: 1px solid rgb(148 33 51 / 0.3);
  border-radius: var(--radius);
  background: linear-gradient(180deg, var(--crimson-soft), var(--card) 75%);
}

.form-card.is-submitted .form-success {
  margin-top: 0.85rem;
}

.form-success .cta-row {
  margin-top: 0;
}

.form-success:focus {
  outline: 3px solid var(--crimson);
  outline-offset: 4px;
}

.form-success__icon {
  width: 3.25rem;
  height: 3.25rem;
  color: var(--crimson);
}

.form-success h3 {
  font-size: clamp(1.6rem, 3vw, 2.1rem);
}

.form-success p {
  color: var(--slate-ink);
}

.form-success__fine a {
  color: var(--crimson);
  font-weight: 650;
}

@media (min-width: 640px) {
  .field-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .field--full {
    grid-column: 1 / -1;
  }
}

@media (min-width: 760px) {
  .choices {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (min-width: 1000px) {
  .form-grid {
    grid-template-columns: minmax(0, 1fr) minmax(0, 360px);
    gap: 3.5rem;
  }
}

/* Loan officer profile */

.lo-card {
  display: grid;
  gap: 1.35rem;
}

.lo-card__portrait {
  width: min(100%, 250px);
  margin: 0;
  filter: drop-shadow(0 14px 22px rgb(60 40 20 / 0.2));
}

.lo-card__mat {
  padding: 10px 10px 12px;
  background: var(--card);
  clip-path: var(--torn-mat);
  rotate: -2deg;
}

.lo-card__mat img {
  width: 100%;
  aspect-ratio: 4 / 5;
  border-radius: 3px;
  background: #fff;
  object-fit: cover;
  object-position: 50% 12%;
}

.lo-card__name {
  margin-top: 0.6rem;
  font-size: clamp(1.85rem, 3vw, 2.3rem);
}

.lo-card__title {
  margin-top: 0.4rem;
  font-size: 0.95rem;
  color: var(--slate-ink);
}

.lo-card__bio + .lo-card__bio {
  margin-top: 0.75rem;
}

.field-hint {
  margin: 0;
  font-size: 0.8rem;
  line-height: 1.45;
  color: var(--slate-ink);
}

.lo-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.lo-stats li {
  padding: 0.9rem 1rem;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--card);
}

.lo-stats strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.8rem;
  line-height: 1;
  color: var(--crimson);
}

.lo-stats span {
  font-size: 0.84rem;
  color: var(--slate-ink);
}

.lo-contact {
  display: grid;
  gap: 0.15rem;
}

.lo-contact li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  min-height: 44px;
  font-size: 0.96rem;
}

.lo-contact .icon {
  color: var(--crimson);
}

.lo-contact a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding-block: 0.35rem;
  overflow-wrap: anywhere;
  font-weight: 650;
  text-decoration-color: rgb(148 33 51 / 0.35);
  text-underline-offset: 3px;
  touch-action: manipulation;
}

.lo-contact a:hover {
  color: var(--crimson);
}

.reviews {
  display: grid;
  gap: 0.9rem;
}

.review {
  margin: 0;
  padding: 1.1rem 1.2rem;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--card);
  box-shadow: var(--shadow-paper);
}

.review__stars {
  display: flex;
  gap: 0.15rem;
  color: var(--gold);
}

.review__stars .icon {
  width: 1.05rem;
  height: 1.05rem;
}

.review blockquote {
  margin: 0.55rem 0 0;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-style: italic;
  line-height: 1.4;
}

.review figcaption {
  margin-top: 0.5rem;
  font-size: 0.86rem;
  font-weight: 650;
  color: var(--slate-ink);
}

.reviews__note {
  font-size: 0.78rem;
  color: var(--slate-ink);
}

.reviews__note a {
  color: var(--crimson);
  font-weight: 650;
}

/* Savings simulator */

.simulator-label {
  margin-bottom: 0.65rem;
  font-size: clamp(1.35rem, 2vw, 1.7rem);
}

.simulator-intro {
  max-width: 46rem;
  margin-bottom: 1.25rem;
  color: var(--slate-ink);
}

.simulator-frame {
  min-height: 420px;
  padding: clamp(0.5rem, 2vw, 1.25rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-paper);
}

.simulator-loading,
.simulator-fallback {
  display: grid;
  place-items: center;
  min-height: 380px;
  padding: 1.5rem;
  text-align: center;
  color: var(--slate-ink);
}

.simulator-fallback a {
  color: var(--crimson);
  font-weight: 650;
}

.simulator-note {
  max-width: 60rem;
  margin-top: 1.25rem;
}

#aio-simulator .tabs-component-tab:not(.is-active) {
  color: #fff;
}

#aio-simulator .tabs-component-tab.is-disabled {
  color: #3e474c;
  opacity: 1;
}

#aio-simulator .tab.in-complete {
  color: #1a1a1a;
}

#aio-simulator .custom-input__input input,
#aio-simulator .custom-input__input input:focus {
  color: var(--font-color-black);
}

#aio-simulator .controls__button {
  border: 1px solid #d8d8d8;
  color: var(--font-color-primary);
}

#aio-simulator .controls__button:hover {
  border-color: var(--color-button-primary);
}

#aio-simulator .tab__toggle,
#aio-simulator .custom-select,
#aio-simulator .item,
#aio-simulator .controls__button,
#aio-simulator .complete-action__item,
#aio-simulator button {
  touch-action: manipulation;
}

#aio-simulator .tab,
#aio-simulator .tab__toggle,
#aio-simulator .item,
#aio-simulator .controls__button {
  min-height: 48px;
}

#aio-simulator input,
#aio-simulator select,
#aio-simulator textarea {
  font-size: 16px;
}

/* Collage cards */

.collage-card {
  margin: 0;
  filter: drop-shadow(0 14px 22px rgb(60 40 20 / 0.2));
}

.collage-card__mat {
  padding: clamp(0.6rem, 1.4vw, 0.85rem);
  background: var(--card);
  clip-path: var(--torn-mat);
  rotate: var(--tilt, -1.5deg);
  transition: rotate 0.35s cubic-bezier(0.2, 0.8, 0.2, 1);
}

@media (hover: hover) and (pointer: fine) {
  .collage-card:hover .collage-card__mat {
    rotate: 0deg;
  }
}

.collage-card img {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 3px;
  object-fit: cover;
}

.collage-card figcaption {
  padding: 1rem 0.4rem 0.4rem;
  font-size: 0.98rem;
  color: var(--slate-ink);
}

.collage-card figcaption strong {
  color: var(--ink);
}

.tag {
  display: inline-block;
  margin-right: 0.5rem;
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  vertical-align: 0.1em;
}

.tag--slate {
  background: var(--slate-soft);
  color: var(--slate-ink);
}

.tag--crimson {
  background: var(--crimson);
  color: #fff;
}

.compare {
  display: grid;
  gap: 1.75rem;
  align-items: center;
  margin-bottom: clamp(2.75rem, 5vw, 4.5rem);
}

.compare__arrow {
  display: grid;
  place-items: center;
  justify-self: center;
  width: 3.25rem;
  height: 3.25rem;
  border-radius: 50%;
  background: var(--crimson);
  color: #fff;
  box-shadow: var(--shadow-paper);
  rotate: 90deg;
}

@media (min-width: 900px) {
  .compare {
    grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
    gap: 2rem;
  }

  .compare__arrow {
    rotate: 0deg;
  }
}

/* How it works */

.steps {
  display: grid;
  gap: 2.5rem;
}

.step {
  display: grid;
  align-content: start;
  gap: 0.75rem;
}

.step__num {
  margin-top: 0.75rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--crimson);
}

.step h3 {
  font-size: 1.45rem;
}

.step > p:last-child {
  color: var(--slate-ink);
}

.banking {
  margin-top: clamp(3rem, 6vw, 4.5rem);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--card);
  box-shadow: var(--shadow-paper);
}

.banking h3 {
  font-size: clamp(1.4rem, 2.4vw, 1.85rem);
}

.banking__grid {
  display: grid;
  gap: 1rem 1.5rem;
  margin-top: 1.5rem;
}

.banking .fine {
  margin-top: 1.25rem;
}

.banking__grid li {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-weight: 550;
}

.banking__icon {
  display: grid;
  flex: none;
  place-items: center;
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 12px;
  background: var(--crimson-soft);
  color: var(--crimson);
}

@media (min-width: 640px) {
  .banking__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 900px) {
  .steps {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 2rem;
  }

  .banking__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* Video */

.watch-grid {
  display: grid;
  gap: 3rem;
  align-items: center;
}

.watch-copy h2 {
  margin-top: 0.9rem;
  font-size: clamp(2rem, 3.8vw, 3.15rem);
  color: #fff;
}

.watch-copy > p:not(.eyebrow) {
  margin-top: 1rem;
  font-size: 1.12rem;
  color: #d8d1c5;
}

.transcript {
  margin-top: 1.75rem;
  padding-top: 1.1rem;
  border-top: 1px solid rgb(255 255 255 / 0.16);
}

.transcript summary {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-weight: 650;
  color: #fff;
  cursor: pointer;
  list-style: none;
}

.transcript summary::-webkit-details-marker {
  display: none;
}

.transcript summary:focus-visible,
.section--ink :focus-visible {
  outline-color: var(--crimson-light);
}

.transcript__body {
  display: grid;
  gap: 0.7rem;
  margin-top: 1rem;
  font-size: 0.98rem;
  color: #d8d1c5;
}

.video-card {
  position: relative;
  margin: 0;
  filter: drop-shadow(0 22px 36px rgb(0 0 0 / 0.45));
}

.video-card__frame {
  position: relative;
  padding: clamp(0.6rem, 1.5vw, 1rem);
  background: var(--grain), var(--card);
  clip-path: var(--torn-mat);
  rotate: 1.2deg;
}

.video-card video {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 4px;
  background: var(--ink);
}

.video-card__play {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  width: clamp(4.25rem, 9vw, 5.5rem);
  height: clamp(4.25rem, 9vw, 5.5rem);
  margin: auto;
  border: 0;
  border-radius: 50%;
  background: var(--crimson);
  color: #fff;
  box-shadow: 0 12px 30px -8px rgb(0 0 0 / 0.55);
  cursor: pointer;
  transition: background-color 0.2s ease, scale 0.2s ease;
}

.video-card__play:hover {
  background: var(--crimson-deep);
  scale: 1.06;
}

.video-card__play:focus-visible {
  outline: 3px solid #fff;
  outline-offset: 4px;
}

.video-card__play .icon {
  width: 42%;
  height: 42%;
  translate: 6% 0;
}

.video-card.is-playing .video-card__play {
  display: none;
}

.video-card__sticker {
  position: absolute;
  top: -1.1rem;
  right: 6%;
  z-index: 2;
  display: grid;
  place-items: center;
  align-content: center;
  width: 4.5rem;
  height: 4.5rem;
  border-radius: 50%;
  background: var(--grain), var(--crimson);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  line-height: 0.9;
  rotate: 10deg;
  box-shadow: 0 10px 20px -8px rgb(0 0 0 / 0.5);
}

.video-card__sticker small {
  font-family: var(--font-body);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.video-card figcaption {
  margin-top: 1.1rem;
  font-size: 0.85rem;
  text-align: center;
  color: #cfc7ba;
}

@media (min-width: 960px) {
  .watch-grid {
    grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
    gap: 4rem;
  }
}

/* Daily interest */

.daily-grid {
  display: grid;
  gap: 1.75rem;
}

.chart-card {
  display: grid;
  gap: 1.25rem;
  margin: 0;
  padding: clamp(1.25rem, 3vw, 2rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--card);
  box-shadow: var(--shadow-paper);
}

.chart-card__head {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 0.75rem 1.5rem;
}

.chart-card__head h3 {
  font-size: 1.35rem;
}

.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.1rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--slate-ink);
}

.chart-legend li {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.swatch {
  width: 1.6rem;
  border-top: 3px solid var(--crimson);
}

.swatch--trad {
  border-top: 3px dashed var(--slate);
}

.chart {
  position: relative;
  padding-top: 1.6rem;
}

.chart__axis {
  position: absolute;
  top: 0;
  left: 0;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate-ink);
}

.chart__svg {
  width: 100%;
  height: clamp(190px, 26vw, 270px);
  overflow: visible;
}

.chart__grid line {
  stroke: rgb(26 26 26 / 0.12);
  stroke-dasharray: 4 6;
  stroke-width: 1;
  vector-effect: non-scaling-stroke;
}

.chart__gap {
  fill: rgb(148 33 51 / 0.09);
}

.chart__line {
  fill: none;
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
  vector-effect: non-scaling-stroke;
}

.chart__line--trad {
  stroke: var(--slate);
  stroke-dasharray: 7 6;
}

.chart__line--hs {
  stroke: var(--crimson);
}

.chart__months {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-top: 0.6rem;
  font-size: 0.8rem;
  font-weight: 600;
  text-align: center;
  color: var(--slate-ink);
}

.chart-notes {
  display: grid;
  gap: 0.6rem;
  counter-reset: note;
  font-size: 0.96rem;
  color: var(--slate-ink);
}

.chart-notes li {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: start;
  gap: 0.7rem;
  counter-increment: note;
}

.chart-notes li::before {
  content: counter(note);
  display: grid;
  place-items: center;
  width: 1.5rem;
  height: 1.5rem;
  border-radius: 50%;
  background: var(--crimson-soft);
  color: var(--crimson);
  font-size: 0.78rem;
  font-weight: 700;
}

.chart-notes strong {
  color: var(--ink);
}

.formula-card {
  display: grid;
  align-content: start;
  gap: 1.1rem;
  padding: clamp(1.25rem, 3vw, 2rem);
  border-radius: var(--radius-lg);
  background: var(--grain), var(--ink);
  color: var(--paper);
  box-shadow: var(--shadow-lift);
}

.formula-card img {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 12px;
  object-fit: cover;
}

.formula-card h3 {
  font-size: 1.45rem;
  color: #fff;
}

.formula {
  display: grid;
  gap: 0.3rem;
  font-variant-numeric: tabular-nums;
}

.formula span {
  padding: 0.55rem 0.85rem;
  border-radius: 10px;
  background: rgb(255 255 255 / 0.07);
  font-weight: 600;
}

.formula span:last-child {
  background: var(--crimson);
  color: #fff;
}

.formula b {
  font-size: 1.1rem;
  text-align: center;
  color: var(--crimson-light);
}

.formula-card > p:last-child {
  font-size: 0.96rem;
  color: #d8d1c5;
}

@media (min-width: 980px) {
  .daily-grid {
    grid-template-columns: minmax(0, 1.45fr) minmax(0, 1fr);
  }
}

/* Fit check */

.fit-grid {
  display: grid;
  gap: 2.25rem;
  align-items: center;
}

.fit-lists {
  display: grid;
  gap: 1.25rem;
}

.fit-col {
  padding: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--card);
}

.fit-col--yes {
  border-color: rgb(148 33 51 / 0.3);
  background: linear-gradient(180deg, var(--crimson-soft), var(--card) 70%);
}

.fit-col h3 {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 1.2rem;
}

.fit-col--yes h3 .icon {
  color: var(--crimson);
}

.fit-col--no h3 .icon {
  color: var(--slate);
}

.fit-col ul,
.tradeoffs__col ul {
  display: grid;
  gap: 0.55rem;
  margin: 1rem 0 0;
  padding-left: 1.15rem;
  font-size: 0.97rem;
  color: var(--slate-ink);
}

.guidelines {
  margin-top: clamp(2.5rem, 5vw, 3.5rem);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--card);
  box-shadow: var(--shadow-paper);
}

.guidelines__head {
  display: grid;
  gap: 0.5rem;
  max-width: 46rem;
}

.guidelines__head h3 {
  font-size: clamp(1.4rem, 2.4vw, 1.85rem);
}

.guidelines__grid {
  display: grid;
  gap: 1px;
  margin: 1.5rem 0 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--line);
}

.guidelines__grid div {
  padding: 1.1rem 1.2rem;
  background: var(--card);
}

.guidelines__grid dt {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--crimson);
}

.guidelines__grid dd {
  margin: 0.35rem 0 0;
  font-size: 0.97rem;
}

.tradeoffs {
  display: grid;
  gap: 1.25rem;
  margin-top: 1.5rem;
}

.tradeoffs__col {
  padding: 1.5rem;
  border: 1px dashed var(--line-strong);
  border-radius: var(--radius);
  background: var(--paper);
}

.tradeoffs__col h3 {
  font-size: 1.2rem;
}

.results-note {
  margin-top: 1.25rem;
}

@media (min-width: 640px) {
  .fit-lists {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 700px) {
  .guidelines__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 760px) {
  .tradeoffs {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 980px) {
  .fit-grid {
    grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
    gap: 3rem;
  }
}

@media (min-width: 1040px) {
  .guidelines__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* FAQ */

.faq-grid {
  display: grid;
  gap: 1rem;
}

.faq-call {
  margin-top: 1.5rem;
}

.faq-list {
  display: grid;
  gap: 0.75rem;
}

.faq-item {
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--card);
  box-shadow: 0 1px 2px rgb(60 40 20 / 0.05);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.faq-item[open] {
  border-color: rgb(148 33 51 / 0.35);
  box-shadow: var(--shadow-paper);
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 48px;
  padding: 1rem 1.15rem;
  border-radius: 16px;
  cursor: pointer;
  list-style: none;
  touch-action: manipulation;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary:focus-visible {
  outline-offset: -3px;
}

.faq-item summary:active,
.lo-chip:active {
  background: rgb(148 33 51 / 0.06);
}

@media (hover: hover) and (pointer: fine) {
  .faq-item summary:hover {
    background: rgb(148 33 51 / 0.05);
  }
}

.faq-item summary h3 {
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-weight: 650;
  line-height: 1.35;
  letter-spacing: 0;
}

.faq-item summary .icon {
  color: var(--crimson);
  transition: rotate 0.25s ease;
}

.faq-item[open] summary .icon {
  rotate: 180deg;
}

.faq-item__body {
  padding: 0 1.25rem 1.25rem;
  color: var(--slate-ink);
}

.faq-item__body a {
  color: var(--crimson);
  font-weight: 650;
}

@media (prefers-reduced-motion: no-preference) {
  @supports (interpolate-size: allow-keywords) and selector(::details-content) {
    .faq-item {
      interpolate-size: allow-keywords;
    }

    .faq-item::details-content {
      height: 0;
      overflow: clip;
      transition: height 0.3s ease, content-visibility 0.3s allow-discrete;
    }

    .faq-item[open]::details-content {
      height: auto;
    }
  }
}

@media (min-width: 980px) {
  .faq-grid {
    grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
    align-items: start;
    gap: 4rem;
  }

  .faq-grid .section-head {
    position: sticky;
    top: 7rem;
  }
}

/* Closing call to action */

.cta-band {
  position: relative;
  padding-block: clamp(4.5rem, 8vw, 6.5rem);
  background: var(--grain), var(--crimson);
  color: #fff;
}

.cta-band__inner {
  display: grid;
  gap: 1.75rem;
  align-items: center;
}

.cta-band__photo {
  width: 112px;
  height: 112px;
  border: 4px solid #fff;
  border-radius: 50%;
  object-fit: cover;
  box-shadow: 0 12px 30px -10px rgb(0 0 0 / 0.45);
}

.cta-band h2 {
  font-size: clamp(2rem, 3.6vw, 3rem);
  color: #fff;
}

.cta-band p {
  max-width: 36rem;
  margin-top: 0.75rem;
  font-size: 1.08rem;
  color: #f8e3e6;
}

.cta-band__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.cta-band :focus-visible {
  outline-color: #fff;
}

@media (min-width: 900px) {
  .cta-band__inner {
    grid-template-columns: auto minmax(0, 1fr) auto;
    gap: 2.5rem;
  }
}

/* Footer */

.site-footer {
  padding-block: clamp(3.5rem, 7vw, 5rem) 2rem;
  background: var(--grain), var(--paper-deep);
  font-size: 0.93rem;
  color: var(--slate-ink);
}

.footer-top {
  display: grid;
  gap: 2.25rem;
}

.footer-logo {
  width: 180px;
}

.footer-tagline {
  max-width: 22rem;
  margin-top: 1rem;
  font-family: "Poppins", sans-serif;
  font-weight: 300;
  font-size: 1.05rem;
  color: var(--ink);
}

.footer-heading {
  margin-bottom: 0.85rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink);
}

.footer-col p + p,
.footer-col p + address,
.footer-col address + p {
  margin-top: 0.65rem;
}

.footer-col a {
  color: var(--ink);
  text-decoration-color: rgb(26 26 26 / 0.3);
  text-underline-offset: 3px;
  transition: color 0.2s ease;
}

.footer-col a:hover {
  color: var(--crimson);
}

.footer-col p a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  touch-action: manipulation;
}

.footer-links {
  display: grid;
  gap: 0;
}

.footer-links a {
  display: flex;
  align-items: center;
  min-height: 44px;
  padding-block: 0.35rem;
  touch-action: manipulation;
}

.footer-disclosures {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 0.85rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--line-strong);
  font-family: "Poppins", sans-serif;
  font-weight: 400;
  font-size: 10pt;
  line-height: 1.65;
}

.footer-disclosures > * {
  min-width: 0;
}

.footer-disclosures a {
  overflow-wrap: anywhere;
  color: var(--ink);
  text-underline-offset: 2px;
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem 2rem;
  margin-top: 2rem;
  font-size: 0.8rem;
}

.ehl {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  color: var(--ink);
}

.ehl img {
  width: 4.25rem;
  height: auto;
}

@media (min-width: 760px) {
  .footer-top {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1100px) {
  .footer-top {
    grid-template-columns: 1.3fr 1fr 1fr 1fr;
  }
}

/* Mobile call bar */

.mobile-cta {
  position: fixed;
  inset: auto 0 0;
  z-index: 60;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr);
  gap: 0.6rem;
  padding: 0.7rem var(--gutter) calc(0.7rem + env(safe-area-inset-bottom));
  border-top: 1px solid var(--line);
  background: rgb(245 240 231 / 0.95);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  translate: 0 110%;
  transition: translate 0.3s ease;
}

.mobile-cta.is-visible {
  translate: 0 0;
}

.mobile-cta .btn {
  min-height: 48px;
  padding-inline: 0.75rem;
  font-size: 0.95rem;
  touch-action: manipulation;
}

@media (max-width: 899px) {
  .site-footer {
    padding-bottom: calc(7rem + env(safe-area-inset-bottom));
  }
}

@media (min-width: 900px) {
  .mobile-cta {
    display: none;
  }
}

/* Scroll-linked reveals (static where unsupported) */

@supports (animation-timeline: view()) {
  @media (prefers-reduced-motion: no-preference) {
    .reveal {
      animation: rise-in linear both;
      animation-timeline: view();
      animation-range: entry 0% entry 45%;
    }

    .chart__svg {
      animation: wipe linear both;
      animation-timeline: view();
      animation-range: entry 0% entry 90%;
    }
  }
}

@media (prefers-reduced-motion: reduce) {
  .btn__spinner {
    animation-duration: 2.4s;
  }

  .nav-toggle__bars::before,
  .nav-toggle__bars::after,
  .collage-card__mat,
  .btn,
  .faq-item summary .icon {
    transition: none;
  }
}

@keyframes rise-in {
  from {
    opacity: 0;
    translate: 0 24px;
  }
}

@keyframes wipe {
  from {
    clip-path: inset(0 100% 0 0);
  }

  to {
    clip-path: inset(0 0 0 0);
  }
}

@keyframes row-in {
  from {
    opacity: 0;
    translate: 0 -0.8em;
  }
}

@keyframes value-out {
  from {
    opacity: 1;
    translate: 0 0;
  }

  to {
    opacity: 0;
    translate: 0 -0.5em;
  }
}

@keyframes value-in {
  from {
    opacity: 0;
    translate: 0 0.5em;
    color: var(--crimson);
  }
}

@keyframes pop-in {
  from {
    opacity: 0;
    scale: 0.85;
  }
}

@keyframes tag-in {
  from {
    opacity: 0;
    translate: 0 12px;
  }
}

@keyframes spin {
  to {
    rotate: 360deg;
  }
}