/* ==========================================================================
   Concept 2 — "Skyline" — LIGHT "ARCHITECTURAL MODEL" VARIANT
   Recolor of site.css: same structure, copy and behavior; only the color
   system differs. Palette: paper #EEF1F5 / panel #E3E8EF / card #FFFFFF /
   brand #2FA84E / brand-deep #1F7A38 / steel #5C7186 / fog #3D4D5F /
   ink #18232F. The canvas city renders as a matte-white clay model with
   slate-blue inset windows (see site-light.js).
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
  --charcoal: #EEF1F5;
  --panel: #E3E8EF;
  --panel-2: #FFFFFF;
  --footer-bg: #E2E8EF;
  --brand: #2FA84E;
  --brand-deep: #1F7A38;
  --brand-bright: #1F7A38;
  --ember: #2FA84E;    /* remapped to brand green for this variant */
  --tungsten: #1F7A38; /* remapped to bright green for this variant */
  --steel: #5C7186;
  --fog: #3D4D5F;
  --ink: #18232F;
  --line: rgba(28, 45, 64, 0.16);
  --line-soft: rgba(28, 45, 64, 0.09);
  --fd: "Big Shoulders Display", "Arial Narrow", "Helvetica Neue", Arial, sans-serif;
  --fb: "Hanken Grotesk", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --header-h: 68px;
  --ease-out: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- 2. Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  background: var(--charcoal);
  color: var(--ink);
  font: 400 1rem/1.6 var(--fb);
  overflow-x: hidden;
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
  -webkit-tap-highlight-color: transparent;
}

img { max-width: 100%; height: auto; border: 0; }

a { color: var(--tungsten); }
a:hover { color: var(--ember); }

h1, h2, h3, h4 {
  font-family: var(--fd);
  font-weight: 700;
  line-height: 1;
  letter-spacing: 0;
  color: var(--ink);
}

ul, ol { list-style-position: inside; }
button { font: inherit; color: inherit; }

::selection { background: rgba(47, 168, 78, 0.4); color: #FFFFFF; }

/* Visible focus everywhere — tungsten ring, 2px, offset 3px */
:focus-visible {
  outline: 2px solid var(--tungsten);
  outline-offset: 3px;
  border-radius: 2px;
}

[id] { scroll-margin-top: calc(var(--header-h) + 18px); }

/* ---------- 3. Utilities ---------- */
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

[hidden] { display: none !important; } /* author display rules (e.g. .form-grid) must not defeat the hidden attribute */

.skip-link {
  position: fixed;
  top: -80px;
  left: 16px;
  z-index: 300;
  background: var(--ember);
  color: #06130A;
  font: 600 0.92rem/1 var(--fb);
  padding: 14px 20px;
  border-radius: 2px;
  text-decoration: none;
  transition: top 0.25s var(--ease-out);
}
.skip-link:focus-visible { top: 14px; color: #06130A; }

.container {
  width: min(1200px, 100% - 3rem);
  margin-inline: auto;
}

/* ---------- 4. Film grain + atmosphere overlays ---------- */
.grain {
  position: fixed;
  inset: -60px;
  z-index: 90;
  pointer-events: none;
  opacity: 0.04;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='240'%3E%3Cfilter id='grain'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='240' height='240' filter='url(%23grain)'/%3E%3C/svg%3E");
}

/* ---------- 5. Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 30px;
  font: 600 0.95rem/1 var(--fb);
  letter-spacing: 0.03em;
  text-decoration: none;
  border-radius: 2px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color 0.25s ease, color 0.25s ease,
              border-color 0.25s ease, transform 0.25s ease;
}
.btn:active { transform: translateY(1px); }

.btn-ember { background: var(--ember); color: #06130A; }
.btn-ember:hover { background: var(--tungsten); color: #06130A; }
.btn-ember:active { background: var(--brand-deep); color: #06130A; }

.btn-ghost {
  background: transparent;
  color: var(--fog);
  border-color: rgba(70, 90, 112, 0.45);
}
.btn-ghost:hover { border-color: var(--tungsten); color: var(--tungsten); }

.btn-sm { min-height: 40px; padding: 0 18px; font-size: 0.88rem; }

/* ---------- 6. Header ---------- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: #F4F7FAF2;
  box-shadow: 0 1px 0 var(--line-soft);
  transition: background 0.35s ease, box-shadow 0.35s ease;
}
html.js .site-header { background: transparent; box-shadow: none; }
html.js .site-header.is-solid {
  background: #F4F7FAF2;
  box-shadow: 0 1px 0 var(--line-soft);
}

.header-inner {
  width: min(1380px, 100% - 2.5rem);
  margin-inline: auto;
  height: var(--header-h);
  display: flex;
  align-items: center;
  gap: 26px;
}

.wordmark {
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 9px;
  flex: none;
  transition: opacity 0.25s ease;
}
.wordmark:hover { opacity: 0.82; }
.wordmark img { display: block; width: 71px; height: 34px; }
.wordmark em {
  font: 600 0.74rem/1 var(--fb);
  font-style: normal;
  color: var(--steel);
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.main-nav { display: flex; gap: 26px; margin-left: 14px; }
.main-nav a {
  position: relative;
  color: var(--fog);
  text-decoration: none;
  font: 500 0.92rem/1 var(--fb);
  padding: 10px 2px;
}
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 3px;
  width: 100%; height: 1px;
  background: var(--ember);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s var(--ease-out);
}
.main-nav a:hover { color: var(--tungsten); }
.main-nav a:hover::after { transform: scaleX(1); }

.header-utility { display: flex; gap: 18px; margin-left: auto; }
.header-utility a {
  color: var(--steel);
  font: 500 0.8rem/1 var(--fb);
  text-decoration: none;
  padding: 8px 0;
}
.header-utility a:hover { color: var(--fog); }

.header-phone {
  color: var(--fog);
  text-decoration: none;
  font: 600 0.92rem/1 var(--fb);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.02em;
  flex: none;
}
.header-phone:hover { color: var(--tungsten); }

/* Mobile drawer — details/summary so it works with JS disabled */
.drawer { display: none; }
.drawer summary {
  list-style: none;
  cursor: pointer;
  width: 44px; height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 3px;
  transition: color 0.25s, border-color 0.25s;
}
.drawer summary::-webkit-details-marker { display: none; }
.drawer summary svg { transition: transform 0.3s var(--ease-out); }
.drawer[open] summary { color: var(--tungsten); border-color: rgba(31, 122, 56, 0.6); }
.drawer[open] summary svg { transform: rotate(90deg); }

.drawer-panel {
  display: none;
  position: fixed;
  top: var(--header-h);
  left: 0; right: 0;
  z-index: 99;
  background: rgba(246, 248, 251, 0.985);
  box-shadow: 0 1px 0 var(--line), 0 34px 60px rgba(26, 40, 56, 0.18);
  padding: 22px 24px 34px;
  max-height: calc(100vh - var(--header-h));
  max-height: calc(100svh - var(--header-h));
  overflow-y: auto;
  flex-direction: column;
}
.drawer[open] .drawer-panel { display: flex; }

.drawer-panel .dlink {
  font: 600 1.75rem/1.15 var(--fd);
  color: var(--ink);
  text-decoration: none;
  padding: 15px 4px;
  border-bottom: 1px solid var(--line-soft);
}
.drawer-panel .dlink:hover { color: var(--tungsten); }

.drawer-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  padding: 20px 4px 0;
}
.drawer-meta a {
  color: var(--steel);
  font: 500 0.88rem/1.4 var(--fb);
  text-decoration: none;
}
.drawer-meta a:hover { color: var(--fog); }
.drawer-meta .dphone { color: var(--fog); font-weight: 600; }
.drawer-apply { margin: 22px 4px 0; align-self: flex-start; }

/* ---------- 7. Progress rail (chapters 00–04) ---------- */
.rail {
  position: fixed;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  z-index: 60;
  display: none;
}
@media (min-width: 1024px) { .rail { display: block; } }

.rail::before {
  content: "";
  position: absolute;
  left: 50%;
  top: -34px; bottom: -34px;
  width: 1px;
  background: linear-gradient(180deg, transparent, rgba(70, 90, 112, 0.3), transparent);
}
.rail ol {
  position: relative;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.rail a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  text-decoration: none;
}
.rail .dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(70, 90, 112, 0.42);
  transition: background 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;
}
.rail a:hover .dot,
.rail a:focus-visible .dot { background: var(--fog); transform: scale(1.2); }
.rail a.active .dot {
  background: var(--tungsten);
  transform: scale(1.35);
  box-shadow: 0 0 12px rgba(31, 122, 56, 0.55);
}
html.js .rail {
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.5s ease, visibility 0s linear 0.5s;
}
html.js .rail.on {
  opacity: 1;
  visibility: visible;
  transition: opacity 0.5s ease;
}

/* ---------- 8. The scene (sticky canvas + chapters) ---------- */
.scene {
  position: relative;
  background: var(--charcoal);
}

.scene-sticky {
  position: sticky;
  top: 0;
  height: 100vh;
  height: 100svh;
  margin-bottom: -100vh;
  margin-bottom: -100svh;
  overflow: hidden;
  z-index: 1;
  background: linear-gradient(180deg, #F4F6FA 0%, #EEF1F5 70%);
}

#city-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  display: block;
}

/* CSS skyline silhouette — the no-JS static final frame.
   When JS runs, the canvas paints an opaque sky over this layer. */
.css-sky {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 64%;
  pointer-events: none;
}
.css-sky::before,
.css-sky::after {
  content: "";
  position: absolute;
  inset: 0;
  clip-path: polygon(
    0% 100%, 0% 58%, 5% 58%, 5% 44%, 11% 44%, 11% 62%, 16% 62%, 16% 36%,
    21% 36%, 21% 55%, 26% 55%, 26% 26%, 30% 26%, 30% 48%, 35% 48%, 35% 40%,
    41% 40%, 41% 60%, 46% 60%, 46% 22%, 51% 22%, 51% 46%, 56% 46%, 56% 34%,
    62% 34%, 62% 56%, 67% 56%, 67% 42%, 72% 42%, 72% 60%, 77% 60%, 77% 30%,
    82% 30%, 82% 50%, 87% 50%, 87% 40%, 92% 40%, 92% 58%, 96% 58%, 96% 50%,
    100% 50%, 100% 100%
  );
}
.css-sky::before { background: linear-gradient(180deg, #C7D0DC 0%, #B6C2D0 90%); }
.css-sky::after {
  background-image:
    repeating-linear-gradient(90deg, rgba(104, 125, 152, 0.30) 0 2px, transparent 2px 10px),
    repeating-linear-gradient(0deg, rgba(104, 125, 152, 0.18) 0 2px, transparent 2px 11px);
  opacity: 0.55;
}

.scene-vignette {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: radial-gradient(ellipse 122% 92% at 50% 42%, transparent 56%, rgba(96, 112, 130, 0.25) 100%);
}

/* Chapters laid over the pinned scene */
.chapter {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  padding: 0 max(24px, 6vw);
}
.chapter-00 { min-height: 100vh; min-height: 100svh; }
.chapter-01,
.chapter-02,
.chapter-03 { min-height: 100vh; min-height: 100svh; }
.chapter-04 { min-height: 85vh; min-height: 85svh; }

@media (min-width: 1024px) {
  .chapter {
    padding-left: clamp(120px, 13vw, 190px);
    padding-right: clamp(96px, 10vw, 160px);
  }
}

.chapter-inner {
  position: relative;
  width: min(660px, 100%);
  padding: 40px 0;
}
.chapter-00 .chapter-inner { width: min(900px, 100%); }
.chapter-02 { justify-content: flex-end; }

/* Legibility scrims — flat charcoal gradients, no glass */
.chapter-00::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(238, 241, 245, 0.68) 0%, rgba(238, 241, 245, 0.44) 38%, rgba(238, 241, 245, 0.18) 66%, transparent 90%);
}
.panel {
  background: linear-gradient(100deg, rgba(238, 241, 245, 0.9) 0%, rgba(238, 241, 245, 0.72) 34%, rgba(238, 241, 245, 0.42) 62%, rgba(238, 241, 245, 0) 100%);
  border-left: 2px solid rgba(47, 168, 78, 0.55);
  border-radius: 3px;
  padding: 46px 52px 46px 42px;
}
.panel-right {
  background: linear-gradient(260deg, rgba(238, 241, 245, 0.9) 0%, rgba(238, 241, 245, 0.72) 34%, rgba(238, 241, 245, 0.42) 62%, rgba(238, 241, 245, 0) 100%);
  border-right: 2px solid rgba(47, 168, 78, 0.55);
  border-radius: 3px;
  padding: 46px 42px 46px 52px;
}
.center-inner {
  margin-inline: auto;
  text-align: center;
  padding: 60px 32px;
  background: radial-gradient(ellipse 90% 100% at 50% 50%, rgba(238, 241, 245, 0.78) 0%, rgba(238, 241, 245, 0) 72%);
  border: none;
}
.center-inner .ch-marker { justify-content: center; }
.center-inner .ch-title { margin-inline: auto; }
.center-inner .ch-copy { margin-inline: auto; }

/* Pinned chapter numerals in the left margin (desktop) */
.ch-numeral {
  position: absolute;
  top: 50%;
  left: clamp(14px, 3vw, 44px);
  transform: translateY(-50%);
  font: 800 clamp(4.5rem, 10vw, 9.5rem)/1 var(--fd);
  color: rgba(70, 90, 112, 0.14);
  pointer-events: none;
  user-select: none;
}
@supports ((-webkit-text-stroke: 1px #000)) {
  .ch-numeral {
    color: transparent;
    -webkit-text-stroke: 1.5px rgba(70, 90, 112, 0.38);
  }
}
@media (max-width: 1023px) { .ch-numeral { display: none; } }

/* Chapter typography */
.kicker {
  font: 500 0.95rem/1.4 var(--fb);
  color: var(--steel);
  letter-spacing: 0.06em;
  margin-bottom: 26px;
}
.kicker::before {
  content: "";
  display: inline-block;
  width: 6px; height: 6px;
  background: var(--ember);
  margin-right: 12px;
  vertical-align: 2px;
}

.hero-title {
  font: 800 clamp(3rem, 8vw, 7rem)/0.95 var(--fd);
  letter-spacing: -0.01em;
  max-width: 12ch;
  margin-bottom: 24px;
}

.hero-sub {
  color: var(--fog);
  font-size: clamp(1.02rem, 1.5vw, 1.18rem);
  line-height: 1.55;
  max-width: 50ch;
  margin-bottom: 38px;
}

.ch-marker {
  display: flex;
  align-items: center;
  gap: 12px;
  font: 600 0.8rem/1 var(--fb);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--steel);
  margin-bottom: 18px;
}
.ch-marker::before {
  content: "";
  width: 26px; height: 1px;
  background: var(--ember);
  flex: none;
}

.ch-title {
  font: 800 clamp(3.1rem, 6.8vw, 6rem)/0.95 var(--fd);
  letter-spacing: -0.01em;
  max-width: 13ch;
  margin-bottom: 20px;
}

.ch-copy {
  color: var(--ink);
  font-size: clamp(1.15rem, 1.8vw, 1.4rem);
  font-weight: 500;
  line-height: 1.55;
  max-width: 50ch;
}

/* Hard-numbers row */
.stat-row {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  border-top: 1px solid var(--line);
  margin-bottom: 42px;
}
.stat-row li { padding: 18px 30px 6px 0; }
.stat-row li + li { border-left: 1px solid var(--line); padding-left: 30px; }
.stat-row strong {
  display: block;
  font: 600 clamp(1.35rem, 2.8vw, 1.85rem)/1.1 var(--fb);
  font-variant-numeric: tabular-nums;
  color: var(--tungsten);
  margin-bottom: 4px;
}
.stat-row span {
  font: 500 0.8rem/1.3 var(--fb);
  color: var(--steel);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

/* Scroll cue — a thin line with a travelling segment, never a bouncing arrow */
.scroll-cue {
  position: absolute;
  left: 50%;
  bottom: 34px;
  transform: translateX(-50%);
  width: 1px;
  height: 72px;
  background: rgba(28, 45, 64, 0.16);
  overflow: hidden;
}
.scroll-cue span {
  position: absolute;
  left: 0; top: -30%;
  width: 100%; height: 30%;
  background: linear-gradient(180deg, transparent, var(--tungsten));
  animation: cue-drop 2.4s var(--ease-out) infinite;
}
@keyframes cue-drop {
  0% { top: -30%; }
  70%, 100% { top: 105%; }
}

/* Letterbox crop on the opening frame — releases as the city rises.
   Height is driven from JS each frame; stays 0 with JS disabled. */
.lb {
  position: absolute;
  left: 0; right: 0;
  height: 0;
  background: #FFFFFF;
  z-index: 3;
}
.lb-top { top: 0; }
.lb-bot { bottom: 0; }

/* Margin timecode — a faint production counter while the chapters run */
.timecode { display: none; }
@media (min-width: 1024px) {
  html.js .timecode {
    display: block;
    position: fixed;
    left: 20px; bottom: 18px;
    z-index: 60;
    margin: 0;
    font: 500 0.8125rem/1 var(--fb); /* 13px — within the steel AA guardrail */
    letter-spacing: 0.14em;
    font-variant-numeric: tabular-nums;
    color: var(--steel);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.5s ease, visibility 0s linear 0.5s;
  }
  html.js .timecode.on {
    opacity: 0.55;
    visibility: visible;
    transition: opacity 0.5s ease;
  }
}

/* "Continue" text link under chapter 04 */
.continue-link {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-top: 30px;
  color: var(--steel);
  font: 500 0.92rem/1 var(--fb);
  text-decoration: none;
  letter-spacing: 0.04em;
}
.continue-link::after {
  content: "";
  width: 1px; height: 34px;
  background: linear-gradient(180deg, var(--tungsten), transparent);
}
.continue-link:hover { color: var(--tungsten); }
/* ---------- 9. Solid-ground sections (shared) ---------- */
.section {
  position: relative;
  z-index: 2;
  padding: clamp(96px, 13vh, 150px) 0;
  background: var(--charcoal);
}

.sec-marker {
  display: flex;
  align-items: center;
  gap: 14px;
  font: 600 0.78rem/1 var(--fb);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--steel);
  margin-bottom: 20px;
}
.sec-marker::before {
  content: "";
  width: 34px; height: 1px;
  background: var(--ember);
  flex: none;
}

.sec-title {
  font: 700 clamp(2.5rem, 5.2vw, 4.4rem)/0.98 var(--fd);
  letter-spacing: -0.01em;
  max-width: 18ch;
  margin-bottom: 22px;
}

.sec-lede {
  color: var(--fog);
  font-size: clamp(1rem, 1.4vw, 1.13rem);
  line-height: 1.6;
  max-width: 62ch;
}

/* ---------- 10. Programs on solid ground ---------- */
.programs {
  background: var(--panel);
  box-shadow: 0 -1px 0 var(--line-soft), 0 1px 0 var(--line-soft);
}

.program-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  max-width: 900px;
  padding: 10px 4px 0;
  margin-top: 46px;
}

.program-card {
  background: var(--panel-2);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 30px 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform 0.18s var(--ease-out), border-color 0.3s ease, box-shadow 0.3s ease;
}
.program-card:hover,
.program-card:focus-visible {
  transform: translateY(-4px);
  border-color: rgba(47, 168, 78, 0.45);
  box-shadow: 0 18px 40px rgba(26, 40, 56, 0.14);
}

.pc-index {
  font: 700 0.85rem/1 var(--fd);
  letter-spacing: 0.14em;
  color: var(--steel);
}

.program-card h3 {
  position: relative;
  font: 700 1.7rem/1.05 var(--fd);
  padding-bottom: 14px;
}
.program-card h3::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 46px; height: 2px;
  background: var(--ember);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.45s var(--ease-out);
}
.program-card:hover h3::after,
.program-card:focus-visible h3::after { transform: scaleX(1); }

.pc-desc {
  flex: 1;
  color: var(--steel); /* 15.2px — recedes under the name, above the best-for line */
  font-size: 0.95rem;
  line-height: 1.62;
}

/* ---------- 11. The borrowers ---------- */
.borrowers-statement {
  font: 800 clamp(2.9rem, 6.2vw, 5.6rem)/0.98 var(--fd);
  letter-spacing: -0.01em;
  max-width: 20ch;
  margin: 20px 0 56px;
}

.borrow-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  column-gap: clamp(32px, 4vw, 64px);
  max-width: 1180px;
}
.borrow-list li {
  display: flex;
  align-items: baseline;
  gap: 18px;
  padding: 17px 0;
  border-top: 1px solid var(--line-soft);
  color: var(--ink);
  font: 600 clamp(1.2rem, 1.7vw, 1.4rem)/1.35 var(--fb);
}
.borrow-list .bi {
  font: 600 0.8rem/1 var(--fb);
  color: var(--steel);
  font-variant-numeric: tabular-nums;
  flex: none;
}

/* ---------- 12. Industries constellation ---------- */
.industries { overflow: hidden; }
.industries::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: radial-gradient(ellipse 70% 60% at 50% 55%, rgba(47, 168, 78, 0.05), transparent 70%);
}

.ind-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 18px 36px;
  max-width: 1020px;
  margin: 54px auto 44px;
  text-align: center;
}
.ind-label {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  font: 600 clamp(1.15rem, 2.6vw, 1.85rem)/1.1 var(--fd);
  color: var(--fog);
}
.ind-label::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--ember);
  box-shadow: 0 0 10px rgba(47, 168, 78, 0.7);
  flex: none;
}
.ind-list li:nth-child(3n) .ind-label {
  font-size: clamp(1.5rem, 3.4vw, 2.4rem);
  color: var(--ink);
}
.ind-list li:nth-child(4n + 1) .ind-label { color: var(--tungsten); }

html.js .ind-label {
  opacity: 0.16;
  transform: translateY(8px);
  transition: opacity 0.7s ease, transform 0.7s var(--ease-out);
}
html.js .ind-label::before {
  opacity: 0;
  transition: opacity 0.7s ease 0.08s;
}
html.js .ind-label.lit { opacity: 1; transform: none; }
html.js .ind-label.lit::before { opacity: 1; }

.ind-spec {
  text-align: center;
  color: var(--steel);
  font-size: 0.92rem;
  line-height: 1.75;
  max-width: 72ch;
  margin: 0 auto;
}
.ind-spec strong { color: var(--fog); font-weight: 600; }

/* ---------- 14. Partner chapter ---------- */
.partners-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(44px, 6vw, 90px);
  align-items: start;
}

.partner-title {
  font: 800 clamp(2.9rem, 6.4vw, 5.4rem)/0.95 var(--fd);
  letter-spacing: -0.01em;
  max-width: 12ch;
  margin: 18px 0 24px;
}

.partner-copy {
  color: var(--fog);
  max-width: 50ch;
  margin-bottom: 32px;
}

.partner-stats {
  display: flex;
  flex-wrap: wrap;
  border-top: 1px solid var(--line);
  margin-bottom: 36px;
}
.partner-stats div { padding: 16px 26px 4px 0; }
.partner-stats div + div { border-left: 1px solid var(--line); padding-left: 26px; }
.partner-stats strong {
  display: block;
  font: 600 1.5rem/1.1 var(--fb);
  font-variant-numeric: tabular-nums;
  color: var(--tungsten);
  margin-bottom: 3px;
}
.partner-stats span { font: 500 0.78rem/1.3 var(--fb); color: var(--steel); }

.partner-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 22px;
  align-items: center;
}
.partner-note {
  width: 100%;
  color: var(--steel);
  font-size: 13px;
}
.partner-note a { color: var(--tungsten); text-decoration: none; }
.partner-note a:hover { text-decoration: underline; }

.partner-benefits {
  list-style: none;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--panel-2);
  padding: 26px 28px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 34px;
}
.partner-benefits li {
  display: flex;
  align-items: baseline;
  gap: 12px;
  padding: 11px 0;
  border-bottom: 1px solid var(--line-soft);
  color: var(--fog);
  font: 500 0.92rem/1.45 var(--fb);
}
.partner-benefits li::before {
  content: "";
  flex: none;
  width: 14px; height: 2px;
  background: var(--ember);
  transform: translateY(-3px);
}

.benefits-heading {
  font: 600 0.78rem/1 var(--fb);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--steel);
  margin-bottom: 16px;
}

/* ---------- 15. FAQ ---------- */
.faq-section { background: var(--panel); box-shadow: 0 -1px 0 var(--line-soft), 0 1px 0 var(--line-soft); }

.faq-wrap { max-width: 860px; margin-top: 44px; }

.faq-item { border-top: 1px solid var(--line); }
.faq-item:last-child { border-bottom: 1px solid var(--line); }

.faq-q button {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 20px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 23px 4px;
  text-align: left;
  color: var(--ink);
  font: 600 1.06rem/1.35 var(--fb);
  transition: color 0.25s ease;
}
.faq-q button:hover { color: var(--tungsten); }
.faq-q .qn {
  flex: none;
  width: 28px;
  font: 600 0.8rem/1 var(--fb);
  color: var(--steel);
  font-variant-numeric: tabular-nums;
}
.faq-q .chev {
  margin-left: auto;
  flex: none;
  color: var(--steel);
  transition: transform 0.3s var(--ease-out), color 0.3s ease;
}
.faq-item.open .chev { transform: rotate(180deg); color: var(--tungsten); }

.faq-a { overflow: hidden; }
html.js .faq-a { height: 0; transition: height 0.34s var(--ease-out); }
.faq-a-inner {
  padding: 2px 8px 28px 48px;
  color: var(--fog);
  line-height: 1.65;
  max-width: 66ch;
}

/* ---------- 16. Final frame — apply ---------- */
.apply { padding-top: 0; }

.skyline-strip {
  position: relative;
  height: 150px;
  margin-bottom: clamp(64px, 9vh, 104px);
  border-bottom: 1px solid var(--line-soft);
  background:
    radial-gradient(ellipse 65% 135% at 50% 108%, rgba(47, 168, 78, 0.14), transparent 65%),
    linear-gradient(180deg, #F4F6FA 0%, var(--charcoal) 100%);
  overflow: hidden;
}
.skyline-strip .css-sky { height: 100%; }

.apply-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: clamp(44px, 6vw, 90px);
  align-items: start;
}

.apply-lede {
  color: var(--fog);
  max-width: 52ch;
  margin-bottom: 40px;
}
.apply-lede a { color: var(--tungsten); text-decoration: none; }
.apply-lede a:hover { text-decoration: underline; }

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.field { display: flex; flex-direction: column; }
.field-full { grid-column: 1 / -1; }

.field label {
  font: 600 0.85rem/1.3 var(--fb);
  color: var(--fog);
  margin-bottom: 8px;
}
.field label .req { color: var(--tungsten); }

.field input,
.field select,
.field textarea {
  width: 100%;
  background: #FFFFFF;
  border: 1px solid rgba(28, 45, 64, 0.28);
  border-radius: 3px;
  color: var(--ink);
  font: 400 1rem/1.4 var(--fb);
  padding: 13px 14px;
  min-height: 50px;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.field textarea { min-height: 110px; resize: vertical; }

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: 2px solid var(--tungsten);
  outline-offset: 2px;
  border-color: var(--tungsten);
}

.field select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%235C7186' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}
.field select:invalid { color: var(--steel); }

.field.invalid input,
.field.invalid select,
.field.invalid textarea {
  border-color: var(--ember);
  box-shadow: 0 0 0 1px var(--ember);
}

.err {
  font: 500 0.82rem/1.4 var(--fb);
  color: var(--tungsten);
  margin-top: 7px;
}
.err:empty { display: none; }

.consent {
  font-size: 13px;
  color: var(--steel);
  line-height: 1.55;
  margin-top: 20px;
  max-width: 56ch;
}

.form-foot {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 22px;
  margin-top: 24px;
}
.demo-note { font-size: 13px; color: var(--steel); }

.form-success {
  border: 1px solid rgba(47, 168, 78, 0.5);
  border-radius: 4px;
  background: rgba(47, 168, 78, 0.07);
  padding: 36px 34px;
  max-width: 580px;
}
.form-success h3 {
  font: 700 2rem/1 var(--fd);
  margin-bottom: 14px;
}
.form-success p { color: var(--fog); max-width: 46ch; }
.form-success p a { color: var(--tungsten); }
.demo-tag {
  display: inline-block;
  margin-top: 20px;
  font: 600 0.76rem/1 var(--fb);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--tungsten);
  border: 1px solid rgba(31, 122, 56, 0.5);
  border-radius: 2px;
  padding: 9px 13px;
}

/* Right rail of the apply section */
.next-heading {
  font: 700 1.55rem/1 var(--fd);
  margin-bottom: 6px;
}
.next-list {
  list-style: none;
  counter-reset: next;
  margin: 14px 0 42px;
}
.next-list li {
  counter-increment: next;
  display: flex;
  gap: 18px;
  padding: 16px 0;
  border-top: 1px solid var(--line-soft);
  color: var(--fog);
  font-size: 0.98rem;
  line-height: 1.55;
}
.next-list li::before {
  content: "0" counter(next);
  font: 700 1rem/1.5 var(--fd);
  color: var(--tungsten);
  flex: none;
}

.contact-card {
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--panel-2);
  padding: 28px;
}
.contact-card h3 { font: 700 1.35rem/1 var(--fd); margin-bottom: 14px; }
.c-row {
  padding: 11px 0;
  border-top: 1px solid var(--line-soft);
  font-size: 0.95rem;
  color: var(--fog);
  line-height: 1.5;
}
.c-row span {
  display: block;
  font: 600 0.72rem/1 var(--fb);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--steel);
  margin-bottom: 5px;
}
.c-row a { color: var(--tungsten); text-decoration: none; }
.c-row a:hover { text-decoration: underline; }
.c-row address { font-style: normal; }

/* ---------- 17. Footer ---------- */
.site-footer {
  position: relative;
  z-index: 2;
  background: var(--footer-bg);
  border-top: 1px solid var(--line-soft);
  padding: 72px 0 48px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}

.f-logo {
  width: 140px;
  height: auto;
  display: block;
  margin-bottom: 18px;
}
.f-tag {
  color: var(--steel);
  font-size: 0.92rem;
  line-height: 1.55;
  max-width: 30ch;
}

.f-h {
  font: 600 0.78rem/1 var(--fb);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--steel);
  margin-bottom: 16px;
}
.f-col p,
.f-col a {
  display: block;
  color: var(--fog);
  font-size: 0.95rem;
  line-height: 1.5;
  padding: 5px 0;
  text-decoration: none;
}
.f-col a:hover { color: var(--tungsten); }
.f-col address { font-style: normal; }

.f-legal { border-top: 1px solid var(--line-soft); padding-top: 30px; }
.disclosure {
  color: var(--steel);
  font-size: 13px;
  line-height: 1.65;
  max-width: 105ch;
  margin-bottom: 18px;
}
.f-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 26px;
  color: var(--steel);
  font-size: 13px;
}
.f-meta a { color: var(--fog); text-decoration: none; }
.f-meta a:hover { color: var(--tungsten); }

/* ---------- 18. Reveal-on-scroll (gated behind html.js) ---------- */
html.js .reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s var(--ease-out);
}
html.js .reveal.in { opacity: 1; transform: none; }

/* ---------- 19. Responsive ---------- */
@media (max-width: 1180px) {
  .header-utility { display: none; }
}

@media (max-width: 1023px) {
  .main-nav { margin-left: auto; }
}

@media (max-width: 860px) {
  .main-nav, .header-phone { display: none; }
  .site-header .btn-sm { margin-left: auto; }
  .drawer { display: block; margin-left: 12px; }
}

@media (max-width: 760px) {
  :root { --header-h: 62px; }

  /* Scene simplified: canvas capped at 70vh, chapters stack normally */
  .scene-sticky {
    height: 70vh;
    height: 70svh;
    margin-bottom: -70vh;
    margin-bottom: -70svh;
  }
  .chapter {
    min-height: 0;
    padding: clamp(90px, 15vh, 130px) 22px;
  }
  .chapter-00 { min-height: 96vh; min-height: 96svh; padding-top: 120px; align-items: flex-start; }
  .chapter-04 { min-height: 0; }

  .panel, .panel-right {
    background: rgba(238, 241, 245, 0.82);
    border: 1px solid var(--line-soft);
    border-left: 2px solid rgba(47, 168, 78, 0.55);
    border-radius: 4px;
    padding: 30px 24px;
  }
  .chapter-00::before {
    background: linear-gradient(180deg, rgba(238, 241, 245, 0.35) 0%, rgba(238, 241, 245, 0.65) 100%);
  }

  .stat-row li { flex: 1 1 42%; padding: 14px 16px 4px 0; }
  .stat-row li + li { border-left: none; padding-left: 0; }
  .stat-row li:nth-child(even) { border-left: 1px solid var(--line); padding-left: 18px; }

  .btn { width: 100%; }
  .cta-row { align-items: stretch; }
  .cta-row .btn { flex: 1 1 100%; }
  .site-header .btn-sm { width: auto; }

  /* Programs stack vertically */
  .program-row { grid-template-columns: 1fr; }

  .borrow-list { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: 1fr; }
  .partner-benefits { grid-template-columns: 1fr; }
  .apply-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .faq-a-inner { padding-left: 8px; }
}

/* ---------- 20. Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
  html.js .reveal,
  html.js .ind-label {
    opacity: 1 !important;
    transform: none !important;
  }
  html.js .ind-label::before { opacity: 1 !important; }
  .scroll-cue span { animation: none; top: 35%; }
}

/* ---------- 21. Contrast compliance: steel/secondary text never below 13px ---------- */
.wordmark em,
.header-utility a,
.ch-marker,
.sec-marker,
.stat-row span,
.partner-stats span,
.benefits-heading,
.c-row span,
.f-h,
.faq-q .qn,
.borrow-list .bi,
.demo-tag {
  font-size: 0.8125rem; /* 13px — keeps #8FA6BB secondary text within its AA guardrail */
}

/* ==========================================================================
   Production-site additions — big-logo hero, subpages, partner form
   ========================================================================== */

/* Hero: the IAC logo is the biggest element on the opening frame */
.hero-brand { margin: 0 0 28px; }
.hero-brand img {
  display: block;
  width: clamp(280px, 46vw, 620px);
  height: auto;
}
.hero-line {
  font: 500 clamp(1rem, 1.6vw, 1.2rem)/1.45 var(--fb);
  color: var(--steel);
  margin-bottom: 16px;
}

/* Current page in the nav */
.main-nav a[aria-current="page"] { color: var(--tungsten); }
.main-nav a[aria-current="page"]::after { transform: scaleX(1); }
.drawer-panel .dlink[aria-current="page"] { color: var(--tungsten); }

/* Subpage hero */
.page-hero {
  position: relative;
  z-index: 2;
  padding: calc(var(--header-h) + clamp(72px, 11vh, 128px)) 0 clamp(48px, 7vh, 80px);
  background:
    radial-gradient(ellipse 70% 90% at 50% -20%, rgba(47, 168, 78, 0.10), transparent 65%),
    var(--charcoal);
  box-shadow: 0 1px 0 var(--line-soft);
}
.page-hero h1 {
  font: 800 clamp(2.8rem, 6.5vw, 5.4rem)/0.95 var(--fd);
  letter-spacing: -0.01em;
  max-width: 16ch;
  margin-bottom: 22px;
}
.page-hero .sec-lede { max-width: 66ch; }

/* Subpage prose sections */
.prose p { color: var(--fog); line-height: 1.7; max-width: 66ch; }
.prose p + p { margin-top: 18px; }

/* CTA band at the foot of subpages */
.cta-band { text-align: center; }
.cta-band .sec-marker { justify-content: center; }
.cta-band .sec-marker::before { display: none; }
.cta-band .sec-title,
.cta-band .sec-lede { margin-inline: auto; }
.cta-band .cta-row { justify-content: center; margin-top: 36px; }

/* Partner form (partnerships page) */
.radio-row { display: flex; gap: 28px; padding: 8px 0; }
.radio-row label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font: 500 0.98rem/1 var(--fb);
  color: var(--fog);
  margin: 0;
  cursor: pointer;
}
.radio-row input[type="radio"] {
  width: 18px;
  height: 18px;
  min-height: 0;
  padding: 0;
  accent-color: var(--brand);
}

/* Partnerships: form section sits tight under the hero stats */
.apply-tight { padding-top: clamp(64px, 9vh, 100px); }

/* How-it-works: numbered process steps */
.process-steps { max-width: 660px; margin-top: 46px; }

/* Radio fieldset styled like a plain field */
.form-fieldset { border: 0; padding: 0; margin: 0; }
.form-fieldset legend {
  font: 600 0.85rem/1.3 var(--fb);
  color: var(--fog);
  margin-bottom: 8px;
  padding: 0;
}

/* Card stacked under the partner ledger */
.ledger-card { margin-top: 42px; }

/* Hero rework: centered lockup over a standing skyline */
.chapter-00 { justify-content: center; padding-top: var(--header-h); }
.chapter-00 .chapter-inner {
  width: min(1040px, 100%);
  margin-inline: auto;
  padding: 24px 0 56px;
  text-align: center;
}
.chapter-00::before {
  background:
    radial-gradient(ellipse 70% 78% at 50% 54%, rgba(238, 241, 245, 0.9) 0%, rgba(238, 241, 245, 0.7) 40%, rgba(238, 241, 245, 0) 78%),
    linear-gradient(180deg, rgba(238, 241, 245, 0.5) 0%, rgba(238, 241, 245, 0) 22%, rgba(238, 241, 245, 0) 60%, rgba(238, 241, 245, 0.6) 100%);
}
.chapter-00 .kicker {
  font: 800 clamp(1.15rem, 2.2vw, 1.7rem)/1.2 var(--fd);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 16px;
}
.chapter-00 .kicker::before { display: none; }
.hero-brand { margin: 0 auto 4px; }
.hero-brand img {
  width: min(720px, max(300px, 54vw), 72vh);
  margin-inline: auto;
}
.hero-tagline {
  font: 500 clamp(1rem, 2vw, 1.5rem)/1 var(--fb);
  letter-spacing: 0.32em;
  padding-left: 0.32em; /* optical centering against the trailing letter-space */
  color: var(--fog);
  margin-bottom: 24px;
}
.chapter-00 .hero-line { margin-bottom: 12px; }
.chapter-00 .hero-sub { margin-inline: auto; max-width: 58ch; margin-bottom: 28px; }
.chapter-00 .stat-row { justify-content: center; margin-bottom: 30px; }
.chapter-00 .stat-row li { padding: 16px 30px 6px; }
.chapter-00 .cta-row { justify-content: center; }
@media (max-width: 760px) {
  .chapter-00 { padding-top: 120px; }
  .hero-brand img { width: min(86vw, 72vh); }
  .chapter-00 .stat-row li { padding: 14px 16px 4px 0; }
  .chapter-00 .stat-row li:nth-child(even) { padding-left: 18px; }
}
/* Short viewports: the hero fills the fold, so the cue would sit on the CTAs */
@media (min-width: 761px) and (max-height: 940px) { .scroll-cue { display: none; } }

/* Preferred industries: the three few lenders touch, set big above the list */
.ind-featured-kicker {
  text-align: center;
  font: 600 0.8125rem/1 var(--fb);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--tungsten);
  margin-top: 52px;
}
.ind-featured {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 1100px;
  margin: 18px auto 0;
}
.ind-featured li {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 34px 22px 30px;
  border: 1px solid rgba(47, 168, 78, 0.4);
  border-top: 3px solid var(--ember);
  border-radius: 4px;
  background: var(--panel-2);
  box-shadow: 0 0 44px rgba(47, 168, 78, 0.08);
}
.ind-featured strong {
  display: block;
  font: 800 clamp(2rem, 3.8vw, 3.3rem)/1 var(--fd);
  text-transform: uppercase;
  letter-spacing: 0.01em;
  color: var(--ink);
}
.ind-featured span {
  display: block;
  margin-top: 10px;
  font: 600 0.95rem/1 var(--fb);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--steel);
}
.ind-more { font-style: italic; color: var(--steel) !important; }
@media (max-width: 760px) {
  .ind-featured { grid-template-columns: 1fr; }
}

/* Partner ledger: credit-card programs in their own box */
.cc-box {
  margin-top: 28px;
  border: 1px solid rgba(47, 168, 78, 0.45);
  border-top: 4px solid var(--ember);
  border-radius: 4px;
  background: var(--panel-2);
  padding: 38px 36px 24px;
  box-shadow: 0 0 44px rgba(47, 168, 78, 0.08);
}
.cc-title {
  font: 900 clamp(2.3rem, 3.6vw, 3.3rem)/1.02 var(--fd);
  color: var(--ink);
  margin: -4px 0 14px;
}
.cc-copy {
  color: var(--fog);
  font: 500 1.1rem/1.6 var(--fb);
  margin: 0 0 14px;
}
.cc-box .partner-benefits {
  border: 0;
  border-radius: 0;
  background: none;
  padding: 0;
  grid-template-columns: 1fr;
}
.cc-box .partner-benefits li { font-size: 1.05rem; }
.cc-box .partner-benefits li:last-child { border-bottom: 0; }

/* Hero kicker: drop the "— Since 2015" tail on small screens (it wraps badly) */
@media (max-width: 760px) {
  .kicker-since { display: none; }
}

/* ---- Legal pages (privacy, terms, disclosure) ---- */
.legal h2 { font: 700 clamp(1.5rem, 2.4vw, 2rem)/1.1 var(--fd); margin: 44px 0 14px; max-width: 30ch; }
.legal h3 { font: 600 1.05rem/1.3 var(--fb); margin: 30px 0 10px; }
.legal ul, .legal ol { color: var(--fog); line-height: 1.7; max-width: 66ch; margin: 14px 0 0 22px; }
.legal li + li { margin-top: 8px; }
.legal ul + p, .legal ol + p { margin-top: 18px; }
.legal hr { border: 0; border-top: 1px solid var(--line); margin: 32px 0; max-width: 66ch; }
.legal a { color: var(--brand-deep); }
.page-hero .cta-row { margin-top: 30px; }