/* Modern Lending: project layout on top of the starter base.
   White ground, off-black type, hairline rules, one coral square. */

@font-face {
  font-family: 'Red Hat Display';
  src: url('../fonts/red-hat-display-var.woff2') format('woff2');
  font-weight: 500 900;
  font-display: swap;
}
@font-face {
  font-family: 'Red Hat Text';
  src: url('../fonts/red-hat-text-var.woff2') format('woff2');
  font-weight: 400 700;
  font-display: swap;
}
@font-face { font-family: 'Red Hat Display Fallback'; src: local('Arial'); size-adjust: 104%; ascent-override: 96%; descent-override: 24%; }
@font-face { font-family: 'Red Hat Text Fallback'; src: local('Arial'); size-adjust: 101%; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: clip; }

h1, h2, h3, h4 { font-weight: 900; letter-spacing: -0.035em; text-wrap: balance; }
h1 { line-height: 0.98; }
h2 { line-height: 1.02; }
h3 { font-size: var(--step-1); font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; margin-bottom: var(--space-2); }
h4 { font-family: var(--font-display); font-size: var(--step-0); margin: 0 0 var(--space-2); }
p, li { text-wrap: pretty; }
a { color: inherit; text-underline-offset: 0.18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
strong { font-weight: 700; }
.wrap { width: min(100% - clamp(1.25rem, 4vw, 3rem) * 2, 76rem); }
.section { padding-block: clamp(3.5rem, 7vw, 6.5rem); }
.muted { color: var(--color-muted); }
.lede { font-size: var(--step-1); line-height: 1.45; max-width: 34ch; }
.lede-wide { font-size: var(--step-1); line-height: 1.45; max-width: 52ch; color: var(--color-muted); }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }

/* The coral square: the logo's full stop, used once per heading that earns it. */
.stop::after {
  content: "";
  display: inline-block;
  width: 0.2em; height: 0.2em;
  margin-left: 0.07em;
  background: var(--color-accent);
}

/* Section label: "01 / LABEL" with a rule running to the edge. */
.label {
  display: flex; align-items: center; gap: var(--space-4);
  font-family: var(--font-body); font-size: var(--step--1); font-weight: 500;
  letter-spacing: 0.16em; text-transform: uppercase;
  margin: 0 0 var(--space-6); max-width: none;
}
.label::after { content: ""; flex: 1; height: 1px; background: currentColor; opacity: 0.45; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 0.7em;
  min-height: 3rem; padding: 0.7rem 1.4rem;
  background: var(--color-accent-strong); color: #fff;
  font-family: var(--font-body); font-size: var(--step-0); font-weight: 700; line-height: 1.1;
  text-decoration: none; border: 0; border-radius: var(--radius); cursor: pointer;
  transition: background-color var(--dur-fast) var(--ease);
}
.btn svg { width: 1.15em; height: 1.15em; flex: none; transition: transform var(--dur-fast) var(--ease); }
.btn:active { transform: translateY(1px); }
.btn-ghost { background: transparent; color: var(--color-ink); box-shadow: inset 0 0 0 1.5px var(--color-ink); }
.on-dark .btn-ghost { color: var(--color-on-dark); box-shadow: inset 0 0 0 1.5px var(--color-on-dark); }
@media (hover: hover) and (pointer: fine) {
  .btn:hover { background: var(--color-ink); }
  .on-dark .btn:hover { background: #fff; color: var(--color-ink); }
  .btn-ghost:hover { background: var(--color-ink); color: #fff; }
  .btn:hover svg { transform: translateX(4px); }
}
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-4) var(--space-5); margin-top: var(--space-5); }
.tel { font-weight: 700; white-space: nowrap; }

/* Header */
.site-header { padding-block: clamp(0.9rem, 2vw, 1.5rem); }
.bar { display: flex; align-items: center; justify-content: space-between; gap: var(--space-5); }
.brand { display: block; flex: none; }
.brand img { width: clamp(104px, 10vw, 132px); height: auto; }
.site-nav { display: flex; align-items: center; gap: clamp(1rem, 2.2vw, 2.25rem); }
.site-nav ul { display: flex; gap: clamp(1rem, 2.2vw, 2.25rem); list-style: none; margin: 0; padding: 0; }
.site-nav li a { font-size: 0.95rem; font-weight: 500; text-decoration: none; padding-block: 0.8rem; display: inline-block; }
.site-nav li a:hover, .site-nav li a[aria-current] { text-decoration: underline; text-decoration-thickness: 2px; text-decoration-color: var(--color-accent); }
.site-nav .btn { min-height: 2.75rem; padding: 0.55rem 1.1rem; font-size: 0.95rem; }
.nav-toggle {
  display: none; min-height: 2.75rem; padding: 0 1rem;
  font: 700 0.95rem var(--font-body); color: var(--color-ink);
  background: none; border: 1.5px solid var(--color-ink); border-radius: var(--radius); cursor: pointer;
}
@media (max-width: 1060px) {
  .bar { flex-wrap: wrap; }
  .js .nav-toggle { display: inline-flex; align-items: center; }
  .site-nav { flex-basis: 100%; flex-direction: column; align-items: stretch; gap: 0; }
  .js .site-nav { display: none; }
  .js .site-nav.is-open { display: flex; }
  .site-nav ul { flex-direction: column; gap: 0; border-top: 1px solid var(--color-line); }
  .site-nav li { border-bottom: 1px solid var(--color-line); }
  .site-nav li a { display: block; padding-block: 0.9rem; font-size: 1.05rem; font-weight: 700; }
  .site-nav .btn { margin-top: var(--space-4); justify-content: center; min-height: 3rem; }
}

/* Hero with photograph: headline runs over the photo's quiet left edge. */
.hero { padding-block: clamp(0.5rem, 1.5vw, 1.25rem) 0; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); align-items: center; }
.hero-copy { position: relative; z-index: 1; padding-block: var(--space-5); }
.hero h1 { font-size: var(--step-5); margin: 0 -16% var(--space-5) 0; }
.hero .lede { margin-bottom: 0; }
.hero-media img { width: 100%; height: auto; aspect-ratio: 1 / 1; max-height: min(74svh, 640px); object-fit: cover; object-position: 50% 20%; }
.hero-media.is-wide img { aspect-ratio: 4 / 3; }
.kicker { font-size: var(--step--1); font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; margin: 0 0 var(--space-4); color: var(--color-muted); }
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero h1 { margin-right: 0; }
  .hero-media img { aspect-ratio: 4 / 3; max-height: none; }
  .hero-copy { padding-bottom: var(--space-6); }
}

/* Hero without photograph: copy left, black fact panel right. */
.hero-plain .hero-grid { grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.75fr); gap: clamp(1.5rem, 5vw, 5rem); align-items: stretch; }
.hero-plain h1 { margin-right: 0; font-size: var(--step-4); }
.hero-plain .hero-copy { padding-block: clamp(1.5rem, 4vw, 3.5rem); }
.hero-plain .lede { max-width: 46ch; }
.glance { background: var(--color-dark); color: var(--color-on-dark); padding: clamp(1.5rem, 3vw, 2.5rem); display: flex; flex-direction: column; justify-content: center; }
.glance h2 { font: 500 var(--step--1) var(--font-body); letter-spacing: 0.16em; text-transform: uppercase; color: var(--color-on-dark-muted); margin: 0 0 var(--space-5); }
.glance ul { list-style: none; margin: 0; padding: 0; }
.glance li { display: grid; grid-template-columns: 2.2rem 1fr; gap: var(--space-2); padding-block: var(--space-4); border-top: 1px solid rgb(255 255 255 / 0.18); line-height: 1.4; }
.glance li:last-child { padding-bottom: 0; }
.glance .n { font: 900 1.05rem var(--font-display); color: var(--color-accent); padding-top: 0.1em; }
.hero-plain .hero-grid.halves { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: center; }
@media (max-width: 860px) { .hero-plain .hero-grid, .hero-plain .hero-grid.halves { grid-template-columns: 1fr; } }

/* Hairline columns: icon, heading, line, arrow. */
.cols { display: grid; grid-template-columns: repeat(var(--n, 3), minmax(0, 1fr)); border-top: 1px solid var(--color-line); margin-top: clamp(1.5rem, 3vw, 2.5rem); }
.col { padding: var(--space-6) var(--space-5) var(--space-5); border-left: 1px solid var(--color-line); display: flex; flex-direction: column; }
.col:first-child { border-left: 0; padding-left: 0; }
.col .ico { width: 2.6rem; height: 2.6rem; margin-bottom: var(--space-4); }
.col p { color: var(--color-muted); margin-bottom: var(--space-4); font-size: 0.98rem; }
.col .go { margin-top: auto; }
a.col { text-decoration: none; }
a.col h3 { transition: color var(--dur-fast) var(--ease); }
.go { display: inline-flex; align-items: center; gap: 0.5em; font-weight: 700; text-decoration: none; }
.go svg { width: 1.3rem; height: 1.3rem; transition: transform var(--dur-fast) var(--ease); }
@media (hover: hover) and (pointer: fine) {
  a.col:hover h3, .go:hover { color: var(--color-accent-strong); }
  a.col:hover .go svg, .go:hover svg { transform: translateX(5px); }
}
.underbar::after { content: ""; display: block; width: 2rem; height: 3px; background: var(--color-accent); margin-top: var(--space-3); }
@media (max-width: 860px) {
  .cols { grid-template-columns: 1fr 1fr; }
  .col { border-left: 0; border-bottom: 1px solid var(--color-line); padding-inline: 0 var(--space-4); }
}
@media (max-width: 520px) { .cols { grid-template-columns: 1fr; } }

/* Section head */
.head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--space-5) clamp(1.5rem, 5vw, 5rem); align-items: end; margin-bottom: var(--space-6); }
.head h2 { font-size: var(--step-4); margin: 0; }
.head p { margin: 0; color: var(--color-muted); font-size: var(--step-1); line-height: 1.45; }
.head-stack { display: block; }
.head-stack h2 { margin-bottom: var(--space-4); max-width: 18ch; }
@media (max-width: 760px) { .head { grid-template-columns: 1fr; } }

/* Dark band */
.on-dark { background: var(--color-dark); color: var(--color-on-dark); }
.on-dark :focus-visible { outline-color: #fff; }
.band { padding: clamp(2rem, 5vw, 4rem); display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); gap: var(--space-5) clamp(1.5rem, 5vw, 5rem); align-items: center; }
.band h2 { font-size: var(--step-4); margin: 0; }
.band p { color: var(--color-on-dark-muted); margin-bottom: var(--space-4); }
.band .go { color: #fff; }
.band .go svg { color: var(--color-accent); }
@media (max-width: 760px) { .band { grid-template-columns: 1fr; } }

/* Numbered steps */
.steps { display: grid; grid-template-columns: repeat(var(--n, 4), minmax(0, 1fr)); gap: 0; list-style: none; margin: 0; padding: 0; counter-reset: step; }
.steps > li { padding: 0 var(--space-5); border-left: 1px solid var(--color-line); counter-increment: step; }
.steps > li:first-child { padding-left: 0; border-left: 0; }
.steps > li::before {
  content: counter(step, decimal-leading-zero);
  display: flex; align-items: center; gap: var(--space-4);
  font: 900 var(--step-3) var(--font-display); letter-spacing: -0.03em; color: var(--color-accent);
  margin-bottom: var(--space-4);
  background: linear-gradient(var(--color-ink), var(--color-ink)) right center / calc(100% - 2.2em) 1px no-repeat;
}
.steps p { color: var(--color-muted); font-size: 0.98rem; margin: 0; }
@media (max-width: 900px) {
  .steps { grid-template-columns: 1fr 1fr; row-gap: var(--space-6); }
  .steps > li:nth-child(odd) { padding-left: 0; border-left: 0; }
}
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } .steps > li { padding-inline: 0; border-left: 0; } }

/* Cream band and cards */
.cream { background: var(--color-surface); }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); gap: var(--space-4); }
.card { background: #fff; padding: var(--space-5); display: flex; flex-direction: column; text-decoration: none; }
.card .ico { width: 2.2rem; height: 2.2rem; margin-bottom: var(--space-4); }
.card p { color: var(--color-muted); font-size: 0.98rem; }
.card .go { margin-top: auto; }
@media (hover: hover) and (pointer: fine) { a.card:hover h3 { color: var(--color-accent-strong); } a.card:hover .go svg { transform: translateX(5px); } }

/* Index list: every page in a group, one row each. */
.index { list-style: none; margin: 0; padding: 0; border-bottom: 1px solid var(--color-line); }
.index a { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 3fr) auto; gap: var(--space-2) var(--space-5); align-items: center; padding: 1.05rem 0; border-top: 1px solid var(--color-line); text-decoration: none; min-height: 3.25rem; }
.index b { font: 800 var(--step-1) var(--font-display); letter-spacing: -0.02em; }
.index span { color: var(--color-muted); font-size: 0.98rem; }
.index svg { width: 1.3rem; height: 1.3rem; transition: transform var(--dur-fast) var(--ease); }
@media (hover: hover) and (pointer: fine) { .index a:hover b { color: var(--color-accent-strong); } .index a:hover svg { transform: translateX(5px); } }
@media (max-width: 700px) { .index a { grid-template-columns: 1fr auto; } .index span { grid-column: 1; grid-row: 2; } .index svg { grid-row: 1 / 3; grid-column: 2; } }
.index-group + .index-group { margin-top: var(--space-7); }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-7) clamp(1.5rem, 5vw, 5rem); }
.two .index a { grid-template-columns: 1fr auto; }
.two .index span { grid-column: 1; grid-row: 2; }
.two .index svg { grid-row: 1 / 3; grid-column: 2; }
@media (max-width: 860px) { .two { grid-template-columns: 1fr; } }

/* Article rows: heading left, body right, hairline between. */
.rows { border-bottom: 1px solid var(--color-line); }
.row { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: var(--space-4) clamp(1.5rem, 5vw, 5rem); padding-block: clamp(2rem, 4vw, 3.25rem); border-top: 1px solid var(--color-line); }
.row h2 { font-size: var(--step-3); margin: 0; max-width: 16ch; }
.row .body > :last-child { margin-bottom: 0; }
.body ul, .body ol { margin: 0 0 var(--space-4); padding-left: 1.15rem; max-width: 68ch; }
.body li { margin-bottom: var(--space-2); padding-left: 0.25rem; }
.body ul li::marker { color: var(--color-accent); content: "\25A0  "; font-size: 0.7em; }
.body ol li::marker { font-weight: 800; color: var(--color-accent-strong); }
.body a { color: var(--color-ink); font-weight: 500; text-decoration-color: var(--color-accent); text-decoration-thickness: 2px; }
.note { background: var(--color-surface); padding: var(--space-5); border-left: 4px solid var(--color-accent); margin: 0 0 var(--space-4); max-width: 68ch; }
.note > :last-child { margin-bottom: 0; }
@media (max-width: 760px) { .row { grid-template-columns: 1fr; } }

table { border-collapse: collapse; width: 100%; max-width: 68ch; margin: 0 0 var(--space-4); font-variant-numeric: tabular-nums; }
th, td { text-align: left; padding: 0.7rem 0.75rem 0.7rem 0; border-bottom: 1px solid var(--color-line); vertical-align: top; }
th { font-weight: 700; font-size: var(--step--1); letter-spacing: 0.08em; text-transform: uppercase; border-bottom-color: var(--color-ink); }
.table-scroll { overflow-x: auto; }

/* FAQ */
.faq { border-bottom: 1px solid var(--color-line); max-width: 54rem; }
.faq details { border-top: 1px solid var(--color-line); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: var(--space-5); padding: 1.2rem 0; font: 800 var(--step-1) var(--font-display); letter-spacing: -0.02em; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: none; width: 0.8rem; height: 0.8rem; background: linear-gradient(var(--color-accent), var(--color-accent)) center / 100% 3px no-repeat, linear-gradient(var(--color-accent), var(--color-accent)) center / 3px 100% no-repeat; transition: transform var(--dur-fast) var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > div { padding: 0 0 1.4rem; color: var(--color-muted); }
.faq details > div > :last-child { margin-bottom: 0; }

/* Split: photo and text */
.split { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: clamp(1.5rem, 5vw, 5rem); align-items: center; }
.split img { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; }
.split.is-square img { aspect-ratio: 1 / 1; }
.split h2 { font-size: var(--step-4); }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } .split img { aspect-ratio: 4 / 3; object-position: 50% 15%; } }

.wide-photo img { width: 100%; height: auto; aspect-ratio: 21 / 9; object-fit: cover; }
@media (max-width: 700px) { .wide-photo img { aspect-ratio: 3 / 2; } }

/* Scheme table on home */
.facts { list-style: none; margin: 0; padding: 0; border-bottom: 1px solid var(--color-line); }
.facts li { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 2fr) minmax(0, 5fr); gap: var(--space-2) var(--space-5); align-items: baseline; padding: 1.3rem 0; border-top: 1px solid var(--color-line); }
.facts b { font: 800 var(--step-1) var(--font-display); letter-spacing: -0.02em; }
.facts .fig { font: 900 var(--step-2) var(--font-display); letter-spacing: -0.03em; color: var(--color-accent-strong); }
.facts span { color: var(--color-muted); font-size: 0.98rem; }
@media (max-width: 760px) { .facts li { grid-template-columns: 1fr; } }

/* Closing call to action */
.cta { padding: clamp(2.25rem, 6vw, 4.5rem); display: grid; grid-template-columns: minmax(0, 1.3fr) auto; gap: var(--space-5) var(--space-7); align-items: center; }
.cta h2 { font-size: var(--step-4); margin-bottom: var(--space-4); }
.cta p { color: var(--color-on-dark-muted); font-size: var(--step-1); line-height: 1.4; margin: 0; max-width: 34ch; }
.cta .actions { margin: 0; flex-direction: column; align-items: flex-start; }
.cta .tel { color: #fff; }
@media (max-width: 800px) { .cta { grid-template-columns: 1fr; } }

/* Tools */
.tool { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); align-items: stretch; }
.tool form { background: var(--color-surface); padding: clamp(1.25rem, 3vw, 2.5rem); display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4) var(--space-5); align-content: start; }
.tool .full { grid-column: 1 / -1; }
.tool fieldset { border: 0; padding: 0; margin: 0; grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4) var(--space-5); }
.tool legend { font: 800 var(--step-1) var(--font-display); letter-spacing: -0.02em; padding: 0; margin-bottom: var(--space-3); }
.field label, .field .lab { display: block; font-weight: 700; font-size: 0.95rem; margin-bottom: 0.35rem; }
.field small { display: block; color: var(--color-muted); margin-top: 0.3rem; line-height: 1.35; }
input[type="text"], input[type="number"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; min-height: 3rem; padding: 0.6rem 0.8rem;
  font: 500 1rem var(--font-body); color: var(--color-ink);
  background: #fff; border: 1.5px solid var(--color-ink); border-radius: var(--radius);
}
textarea { min-height: 8rem; resize: vertical; }
.out { background: var(--color-dark); color: var(--color-on-dark); padding: clamp(1.25rem, 3vw, 2.5rem); display: flex; flex-direction: column; }
.out .big { font: 900 var(--step-5) var(--font-display); letter-spacing: -0.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.out .cap { color: var(--color-on-dark-muted); margin: 0.4rem 0 var(--space-5); }
.out dl { margin: 0 0 var(--space-5); }
.out dl div { display: flex; justify-content: space-between; gap: var(--space-4); padding: 0.75rem 0; border-top: 1px solid rgb(255 255 255 / 0.18); }
.out dt { color: var(--color-on-dark-muted); }
.out dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.out .btn { margin-top: auto; align-self: flex-start; }
.fine { font-size: var(--step--1); color: var(--color-muted); max-width: 80ch; margin-top: var(--space-4); }
@media (max-width: 860px) { .tool { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .tool form, .tool fieldset { grid-template-columns: 1fr; } }

/* Checklist */
.check-group { border-top: 1px solid var(--color-line); padding-block: var(--space-5); display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: var(--space-4) clamp(1.5rem, 5vw, 5rem); }
.check-group h2 { font-size: var(--step-2); margin: 0; }
.check-group ul { list-style: none; margin: 0; padding: 0; }
.check-group label { display: flex; gap: var(--space-3); align-items: flex-start; padding: 0.6rem 0; min-height: 2.75rem; cursor: pointer; }
.check-group input { width: 1.35rem; height: 1.35rem; flex: none; margin: 0.15rem 0 0; accent-color: var(--color-accent-strong); }
.check-group input:checked + span { color: var(--color-muted); text-decoration: line-through; }
.progress { font-weight: 700; }
@media (max-width: 760px) { .check-group { grid-template-columns: 1fr; } }

/* Contact */
.contact-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(1.5rem, 5vw, 5rem); }
.contact-form { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4) var(--space-5); }
.contact-form .full { grid-column: 1 / -1; }
.big-links { list-style: none; margin: 0 0 var(--space-6); padding: 0; }
.big-links li { border-top: 1px solid var(--color-line); padding: var(--space-4) 0; }
.big-links li:last-child { border-bottom: 1px solid var(--color-line); }
.big-links small { display: block; color: var(--color-muted); letter-spacing: 0.12em; text-transform: uppercase; font-size: 0.78rem; margin-bottom: 0.2rem; }
.big-links a { font: 900 var(--step-2) var(--font-display); letter-spacing: -0.03em; text-decoration: none; overflow-wrap: anywhere; }
@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .contact-form { grid-template-columns: 1fr; } }

/* Legal and plain prose */
.prose { max-width: 46rem; }
.prose h2 { font-size: var(--step-2); margin-top: var(--space-6); }
.crumbs { font-size: var(--step--1); color: var(--color-muted); margin: 0 0 var(--space-4); }
.crumbs a { text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

/* Footer */
.site-footer { background: var(--color-surface); margin-top: clamp(3rem, 6vw, 5rem); padding-block: clamp(2.5rem, 5vw, 4rem) var(--space-6); font-size: 0.95rem; }
.foot-grid { display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: var(--space-6) var(--space-5); }
.foot-grid h2 { font: 700 0.78rem var(--font-body); letter-spacing: 0.16em; text-transform: uppercase; margin: 0 0 var(--space-4); color: var(--color-muted); }
.foot-grid ul { list-style: none; margin: 0; padding: 0; }
.foot-grid li a { display: inline-block; padding: 0.32rem 0; text-decoration: none; }
.foot-grid li a:hover { text-decoration: underline; text-decoration-color: var(--color-accent); text-decoration-thickness: 2px; }
.foot-brand img { width: 128px; height: auto; margin-bottom: var(--space-5); }
.foot-brand a { font-weight: 700; text-decoration: none; display: inline-block; padding: 0.25rem 0; }
.legal { margin-top: var(--space-6); padding-top: var(--space-5); border-top: 1px solid var(--color-line); color: var(--color-muted); font-size: var(--step--1); line-height: 1.55; }
.legal p { max-width: none; margin-bottom: var(--space-3); }
.legal .disclosure { color: var(--color-ink); }
@media (max-width: 900px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: 1 / -1; } }
@media (max-width: 420px) { .foot-grid { grid-template-columns: 1fr; } }

/* Long below-the-fold bands cost nothing until needed. */
.site-footer { content-visibility: auto; contain-intrinsic-size: auto 600px; }

@media print { .site-header nav, .cta, .nav-toggle { display: none; } }

/* Lender logo ticker (templates/modules/ticker, tokens from variables.css) */
.lender-strip { border-block: 1px solid var(--color-line); padding-block: var(--space-5); overflow: hidden; }
.lender-strip .strip-label { text-align: center; font-size: var(--step--1); letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-muted); margin: 0 0 var(--space-4); }
[data-ticker] { display: flex; overflow: hidden; gap: var(--space-6); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
[data-ticker] > .track { display: flex; align-items: center; gap: var(--space-6); flex: 0 0 auto; animation: ticker-scroll var(--ticker-duration, 24s) linear infinite; }
[data-ticker] img { height: 36px; width: auto; max-width: 150px; object-fit: contain; flex: none; filter: grayscale(1); opacity: 0.8; }
[data-ticker]:hover > .track { animation-play-state: paused; }
@keyframes ticker-scroll { from { transform: translate3d(0,0,0); } to { transform: translate3d(-100%,0,0); } }
@media (prefers-reduced-motion: reduce) { [data-ticker] > .track { animation: none; } [data-ticker] > .track[aria-hidden="true"] { display: none; } }