/* ============================================================
   RevitaLending — main stylesheet
   Premium dark-navy/gold theme with cream accents, inspired by
   the client's own "Temporary Hold" concept plus mdncap.com's
   editorial layout, typography and flow.
   ============================================================ */

:root {
  --navy: #16294a;          /* brand navy — headings on light backgrounds */
  --navy-dark: #081627;      /* near-black navy — hero, footer, page-hero */
  --navy-mid: #132d4f;       /* secondary dark shade for depth/gradients */
  --blue: #2f7fd1;
  --blue-light: rgba(47, 127, 209, 0.1);
  --blue-mid: #2c5ea8;       /* home column icons + headings (one shared, slightly lighter blue) */
  --accent: #dca742;         /* signature gold */
  --accent-dark: #8a6523;    /* gold hover/pressed + gold text on light backgrounds — darkened from the original #b8862f (3.24:1) to 5.29:1 so eyebrow labels, tags and form-section titles meet WCAG AA */
  --accent-light: #f2cf83;   /* light gold for text on dark backgrounds */
  --cream: #f6f2ea;          /* warm section background */
  --cream-dark: #efe8d8;
  --border: rgba(16, 36, 61, 0.12);
  --border-accent: rgba(220, 167, 66, 0.45);
  --text: #1c2733;
  --muted: #5b6b7c;
  --muted-light: #aab8cc;    /* muted text on dark backgrounds */
  --white: #ffffff;
  --radius: 8px;
  --shadow: 0 24px 55px rgba(8, 22, 39, 0.16);
  --shadow-sm: 0 10px 26px rgba(8, 22, 39, 0.10);
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  /* "Text-Optical Compact" cut of Fraunces — used on smaller display-font
     lines (card headings, badges, footer wordmark) so they stay sturdy
     and legible instead of inheriting the delicate large-display shapes. */
  --font-display-compact: 'opsz' 9, 'SOFT' 0, 'WONK' 0;
  /* Hero / page-hero background image — replace images/hero-bg.svg with
     your own photo (or repoint this variable at it) to change the art
     sitewide without touching any other rule. */
  --hero-photo: url('../images/hero-bg.svg');
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { margin: 0 0 .5em; line-height: 1.15; font-weight: 600; color: var(--navy); }
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; }
p { margin: 0 0 1em; color: var(--muted); }
em, i.accent, .italic-accent { font-style: italic; }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 96px 0; }
.section-alt { background: var(--cream); }
.section-dark {
  background: linear-gradient(170deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  color: #fff;
}
.section-dark .section-head h2 { color: #fff; }
.section-dark .section-head p { color: var(--muted-light); }
.section-dark .eyebrow { color: var(--accent-light); }

.eyebrow {
  display: block;
  font-family: var(--font-sans);
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 14px;
}

.section-head { max-width: 700px; margin: 0 0 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 {
  font-size: clamp(28px, 3.4vw, 40px);
  position: relative;
  padding-bottom: 18px;
  display: inline-block;
}
.section-head h2::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 56px; height: 3px;
  background: var(--accent);
  border-radius: 2px;
}
.section-head.center h2::after { left: 50%; transform: translateX(-50%); }
.section-alt .section-head h2::after {
  content: "";
  width: 150px;
  height: 16px;
  transform: translateX(-50%) rotate(1deg);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 150 16' fill='none'%3E%3Cpath d='M2 9c11-6 19-7 28-5.5s14 5 25 4 17-6.5 26-5.5 15 4.5 24 4 13-4.5 22-3' stroke='%232f7fd1' stroke-width='4' stroke-linecap='round' stroke-linejoin='round' opacity='.85'/%3E%3C/svg%3E") center / contain no-repeat;
  border-radius: 0;
}
/* "Why RevitaLending" feature heading — eyebrow removed and heading
   nudged up slightly; the squiggle accent moves from under the whole
   line to just under the word "Investors" instead. */
.feature-head { margin-top: -10px; max-width: 900px; }
.section-alt .section-head.feature-head h2::after { content: none; }
/* Utility: drop the hand-drawn squiggle under a .section-alt heading
   where it isn't wanted (e.g. FAQ headings), without affecting other
   .section-alt centered headings sitewide. */
.section-alt .section-head.no-squiggle h2::after { content: none; }
/* "Built for How Investors Actually Move" section — background changed
   from the cream .section-alt tint to plain white. */
.feature-section { background: var(--white); }
.section-head p { font-size: 17px; margin-top: 4px; }

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: all .2s ease;
  white-space: nowrap;
  font-family: var(--font-sans);
}
/* Directional arrow: ~1.4x the label size so it reads as a deliberate
   "go" cue rather than punctuation, without out-shouting the text. */
.btn .arrow { transition: transform .2s ease; font-weight: 700; font-size: 1.4em; line-height: 1; }
.btn:hover .arrow { transform: translateX(4px); }
.btn-accent {
  background: var(--accent);
  color: var(--navy-dark);
  border-color: transparent;
}
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-2px); box-shadow: 0 10px 22px rgba(220, 167, 66, 0.32); }
.btn-navy {
  background: var(--navy);
  color: #fff;
  border-color: transparent;
}
.btn-navy:hover { background: var(--navy-dark); transform: translateY(-2px); box-shadow: 0 10px 22px rgba(8, 22, 39, 0.3); }
.btn-outline { background: transparent; border-color: var(--border); color: var(--navy); }
.btn-outline:hover { border-color: var(--accent); color: var(--accent-dark); }
.btn-outline-navy { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 13px; }

/* ---------------- Top bar ---------------- */
.topbar {
  background: var(--navy);
  color: #c3cfe0;
  font-size: 13px;
  letter-spacing: .01em;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.topbar .container {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  padding-top: 9px;
  padding-bottom: 9px;
  flex-wrap: wrap;
  gap: 6px;
}
@media (max-width: 480px) {
  /* A touch tighter on small phones so the hero headline sits a little higher. */
  .topbar .container { padding-top: 7px; padding-bottom: 7px; }
}
.topbar a { color: #fff; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--accent-light); }
.topbar-links { display: flex; gap: 18px; }

/* ---------------- Header / Nav ---------------- */
header.site-header {
  background: #fff;
  box-shadow: 0 1px 0 var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  gap: 24px;
}
.logo {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -.01em;
  display: flex;
  align-items: center;
  flex: none;
}
.logo span { color: var(--blue); }
.logo-img { height: 52px; width: auto; display: block; }
@media (max-width: 720px) {
  .logo-img { height: 38px; }
}

/* Apply button in the header — dark navy to tie in with the new blue
   logo once it's ready, solid triangle instead of an open arrow. */
.header-apply {
  background: var(--navy);
  color: #fff;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.header-apply:hover { background: var(--navy-dark); }

/* Clean text nav (mdncap.com-style) with confident uppercase links —
   no boxes/pills, just generous spacing and a gold underline on hover. */
nav.main-nav { flex: 1; display: flex; justify-content: center; }
nav.main-nav ul {
  display: flex;
  gap: 8px;
}
nav.main-nav a {
  display: block;
  position: relative;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--navy);
  padding: 10px 16px;
  transition: color .18s ease;
}
nav.main-nav a::after {
  content: "";
  position: absolute;
  left: 16px; right: 16px; bottom: 4px;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .2s ease;
}
nav.main-nav a:hover, nav.main-nav a.active { color: var(--accent-dark); }
nav.main-nav a:hover::after, nav.main-nav a.active::after { transform: scaleX(1); }

.header-actions { display: flex; align-items: center; gap: 18px; flex: none; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span { width: 26px; height: 3px; background: var(--navy); border-radius: 2px; }

/* ---------------- Hero (two-column, dark photo background) ---------------- */
.hero {
  position: relative;
  padding: 96px 0 88px;
  background: linear-gradient(125deg, var(--navy-dark) 0%, var(--navy-mid) 55%, #06101e 100%);
  color: #fff;
  overflow: hidden;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-copy .eyebrow { color: var(--accent-light); }
.hero-roofmark { width: 38px; height: 38px; color: var(--accent); margin-bottom: 16px; }
.hero h1 {
  color: #fff;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(36px, 4.6vw, 54px);
  letter-spacing: -.01em;
  line-height: 1.08;
  margin: 0 0 22px;
  position: relative;
  padding-bottom: 20px;
  text-align: center;
}
.hero h1::after { content: ""; position: absolute; left: 50%; transform: translateX(-50%); bottom: 0; width: 72px; height: 3px; background: var(--accent); border-radius: 2px; }
.hero p.lead, .hero p { color: #c3cfe0; font-size: 17px; }
.hero p.lead strong, .hero p strong { color: var(--accent-light); font-weight: 700; }
.hero-checklist { list-style: none; margin: 28px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 24px; }
.hero-checklist li { position: relative; padding-left: 30px; color: #fff; font-size: 16px; font-weight: 400; font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; line-height: 1.4; }
.hero-checklist li .line { display: block; }
.hero-checklist li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  color: var(--accent);
  font-size: 18px;
  font-weight: 800;
  line-height: 1.1;
}
.hero-badges {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 1.25rem;
  margin-top: 38px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.16);
}
.hero-badge strong {
  display: block;
  font-size: 21px;
  color: var(--accent-light);
  font-family: 'Roboto Flex', var(--font-sans);
  font-variation-settings: 'wght' 250, 'wdth' 115, 'opsz' 20;
  letter-spacing: .01em;
  text-transform: uppercase;
}
.hero-badge strong .stat-num { font-variant-numeric: lining-nums tabular-nums; font-size: 1em; color: inherit; }
.hero-badge strong.stat-strong-bold { font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; }
.hero-badge span { font-size: 12px; color: #c3cfe0; text-transform: uppercase; letter-spacing: .05em; }
.hero-cta-row { display: flex; gap: 16px; margin-top: 32px; flex-wrap: wrap; }
.hero-cta-row .btn {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .07em;
  text-transform: uppercase;
}
.hero-cta-row .btn.btn-display {
  font-family: 'Roboto Flex', var(--font-sans);
  font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20;
}
.hero .btn-outline, .page-hero .btn-outline { border-color: rgba(255,255,255,.45); color: #fff; }
.hero .btn-outline:hover, .page-hero .btn-outline:hover { border-color: var(--accent); color: var(--accent-light); }

/* Quote form card — cream card with a gold top border, floating on the
   dark hero photo (mirrors mdncap.com's "Financing Overview" card). */
.quote-card {
  background: var(--white);
  border-radius: 0;
  border: 1px solid var(--border);
  padding: 34px;
  color: var(--text);
  box-shadow: 0 16px 40px rgba(8, 22, 39, 0.22);
}
.quote-card :is(h2, h3) {
  font-size: 27px;
  color: var(--blue);
  font-variation-settings: var(--font-display-compact);
  text-align: center;
  position: relative;
  padding-bottom: 14px;
  margin-bottom: 18px;
}
/* Red brush underline is switched OFF. To bring it back, add class "brush-underline" to the .quote-card div. */
.quote-card.brush-underline :is(h2, h3) .ul-target { position: relative; display: inline-block; }
.quote-card.brush-underline :is(h2, h3) .ul-target::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: -8px;
  transform: translateX(-50%);
  width: 150px;
  height: 18px;
  background: url("../images/brush-underline.png") center / contain no-repeat;
}
.quote-card p.small { font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.form-row { margin-bottom: 15px; }
.form-row label {
  display: block;
  font-size: 14px;
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0;
  color: var(--navy);
  margin-bottom: 7px;
}
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 5px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: var(--cream);
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--accent);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(220, 167, 66, 0.18);
}
.form-two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.quote-card .form-note { font-size: 9.5px; color: var(--navy-dark); font-weight: 700; margin-top: 10px; }
.form-success {
  display: none;
  background: rgba(34, 197, 94, 0.12);
  border: 1px solid rgba(34, 197, 94, 0.35);
  color: #158a4d;
  padding: 14px 16px;
  border-radius: 6px;
  font-size: 14px;
  margin-top: 14px;
}
.form-success.show { display: block; }

/* ---------------- Numbered feature list (homepage "why us" blocks) ---------------- */
.numbered-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 44px;
}
.numbered-item { position: relative; }
.numbered-item:not(:first-child)::before {
  content: "";
  position: absolute;
  top: 4px;
  bottom: 4px;
  left: -22px;
  width: 1px;
  background: #dcdcdc;
}
.numbered-item .ico {
  width: 66px; height: 66px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--blue-light);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
}
.numbered-item h2 {
  color: var(--blue-mid);
  font-family: 'Roboto Flex', var(--font-sans);
  font-variation-settings: 'wght' 250, 'wdth' 115, 'opsz' 20;
  font-size: clamp(21px, 2.2vw, 25px);
  position: relative;
  padding-bottom: 16px;
  margin-bottom: 14px;
}
.numbered-item h2::after { content: ""; position: absolute; left: 50%; bottom: 0; width: 40px; height: 3px; background: var(--accent); border-radius: 2px; transform: translateX(-50%); }
.numbered-item h2.heading-center-bold { text-align: center; font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; }
.numbered-item p { font-size: 15.5px; color: var(--text); }
.numbered-item p strong { color: var(--navy); font-weight: 700; }

/* ---------------- Transaction / property type chips ---------------- */
.chip-row { display: flex; flex-wrap: wrap; gap: 12px; }
.chip {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 10px 18px;
  border-radius: 30px;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}

.pill-row { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.pill-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--border);
  color: var(--navy);
  font-weight: 700;
  font-size: 14.5px;
  padding: 12px 22px;
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
}
.pill-btn::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent);
  flex: none;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.prop-card {
  background: var(--white);
  border-radius: 0;
  padding: 26px 20px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.prop-card .ico {
  width: 52px; height: 52px;
  margin: 0 auto 14px;
  border-radius: 50%;
  background: var(--blue-light);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue);
}
.prop-card :is(h3, h4) { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; margin-bottom: 8px; }
.prop-card p { font-size: 15.5px; color: var(--text); margin: 0; }
.ff-icon { width: 92px; height: 92px; margin: 0 auto 14px; }

/* ---------------- Page-hero stat callouts (standalone program landing pages) ---------------- */
.page-hero-stats {
  justify-content: center;
  max-width: 640px;
  margin: 32px auto 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,.16);
}

/* ---------------- Eligible / Not-a-fit two-column list ---------------- */
.eligibility-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; max-width: 920px; margin: 0 auto; }
.elig-col { background: var(--white); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm); }
.elig-col h3 { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 19px; margin-bottom: 16px; }
.elig-col ul { margin: 0; }
.elig-col li { position: relative; padding: 11px 0 11px 42px; font-size: 14.5px; color: var(--text); border-bottom: 1px solid var(--border); }
.elig-col li:last-child { border-bottom: none; }
.elig-col li::before { position: absolute; left: 2px; top: 5px; font-weight: 800; font-size: 28px; line-height: 1.3; }
.elig-yes li::before { content: "\2713"; color: #1e9e50; }
.elig-no li::before { content: "\2715"; color: #d93636; }
.elig-no li { color: var(--muted); }

/* ---------------- Numbered process strip ---------------- */
.step-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.step-item { text-align: center; padding: 0 6px; }
.step-num {
  width: 48px; height: 48px; margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--accent-light);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-variation-settings: var(--font-display-compact);
  font-weight: 700;
  font-size: 17px;
}
.step-item :is(h3, h4) { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; margin-bottom: 8px; }
.step-item p { font-size: 15.5px; color: var(--text); margin: 0; }
.section-dark .step-item h4 { color: #fff; }
.section-dark .step-item p { color: #e3eaf4; }
.section-dark .step-num { background: var(--accent); color: var(--navy-dark); }

.step-grid-5 { grid-template-columns: repeat(5, 1fr); }

.step-elegant .step-num {
  background: none;
  width: auto;
  height: auto;
  border-radius: 0;
  margin: 0 auto 10px;
  font-family: var(--font-display);
  font-style: italic;
  font-variation-settings: 'opsz' 40, 'SOFT' 0, 'WONK' 0;
  font-weight: 300;
  font-size: 46px;
  color: var(--muted-light);
}

/* ---------------- Highlight layout: placeholder image + table side by side ---------------- */
.highlight-layout { display: grid; grid-template-columns: 1fr 1.15fr; gap: 32px; align-items: stretch; }
.highlight-image {
  background: var(--cream);
  border: 2px dashed var(--border-accent);
  min-height: 320px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  font-size: 13.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  text-align: center;
  padding: 20px;
}

@media (max-width: 860px) {
  .eligibility-grid { grid-template-columns: 1fr; }
  .step-grid, .step-grid-5 { grid-template-columns: repeat(2, 1fr); gap: 32px 20px; }
  .highlight-layout { grid-template-columns: 1fr; }
  .highlight-image { min-height: 200px; }
}
@media (max-width: 520px) {
  .step-grid, .step-grid-5 { grid-template-columns: 1fr; }
}

/* ---------------- Parameters / comparison table ---------------- */
/* A true grid chart: solid navy header (no gold), rules between every row,
   a divider between the two columns, right-aligned ALL-CAPS labels. */
.params-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border: 1px solid #b9c3d1;
  box-shadow: var(--shadow-sm);
}
.params-table th, .params-table td {
  padding: 16px 22px;
  text-align: left;
  border-bottom: 1px solid #cdd5e0;
  font-size: 15px;
  vertical-align: middle;
}
.params-table th {
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 12.5px;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-family: var(--font-sans);
  border-bottom: 1px solid var(--navy);
}
.params-table th:first-child, .params-table td:first-child { text-align: right; width: 36%; border-right: 1px solid #cdd5e0; }
.params-table th:first-child { border-right: 1px solid rgba(255,255,255,.4); }
.params-table td:first-child { font-weight: 700; color: var(--navy); letter-spacing: .04em; font-size: 13.5px; }
.params-table tr:last-child td { border-bottom: none; }
.params-table td.highlight, .params-table th.highlight {
  background: rgba(220, 167, 66, 0.12);
  color: var(--accent-dark);
  font-weight: 700;
}
.params-table th.highlight { background: var(--accent); color: var(--navy-dark); }
.table-wrap { overflow-x: auto; border-radius: 0; }

/* ---------------- Program tabs ---------------- */
.tabs-nav {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}
.tab-btn {
  padding: 13px 26px;
  border-radius: 30px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  font-size: 14.5px;
  cursor: pointer;
  transition: all .18s ease;
  font-family: var(--font-sans);
}
.tab-btn:hover { border-color: var(--accent); color: var(--accent-dark); }
.tab-btn.active { background: var(--navy); border-color: var(--navy); color: #fff; }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ---------------- Program cards ---------------- */
/* Cream cards with a gold top border — the same "floating card" language
   as the hero quote-card — so they read as premium on either a light or
   a dark section background. */
.program-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 26px;
}
.program-card {
  background: var(--white);
  border-radius: 0;
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform .2s ease, box-shadow .2s ease;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.program-card:hover { transform: translateY(-4px); box-shadow: 0 30px 60px rgba(8, 22, 39, 0.22); }
/* Bare .tag label used directly inside a .section-head (not nested in
   a .program-card) — block-level so it always sits on its own line
   above the heading that follows it, and styled as a small uppercase
   eyebrow rather than rendering as unstyled inline text. */
.tag {
  display: block;
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 10px;
}
.program-card .tag {
  display: inline-block;
  background: var(--navy);
  color: var(--accent-light);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  padding: 5px 12px;
  border-radius: 4px;
  margin-bottom: 16px;
}
.program-card :is(h2, h3) { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; margin-bottom: 4px; }
.program-card .card-subline { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 500, 'wdth' 115, 'opsz' 20; font-size: 15px; color: var(--navy); margin: 0 0 6px; }
.program-card .region-line { font-size: 12.5px; font-weight: 700; color: var(--accent-dark); letter-spacing: .01em; margin: 0 0 12px; }
.program-card p { margin-bottom: 20px; }
.program-card ul { margin-top: 14px; }
.program-card li {
  font-size: 14.5px;
  color: var(--muted);
  padding: 6px 0 6px 22px;
  position: relative;
}
.program-card li::before {
  content: "";
  position: absolute;
  left: 0; top: 13px;
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
}

/* ---------------- Funded deals ---------------- */
.deal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.deal-card {
  background: var(--white);
  border-top: 3px solid var(--accent);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.deal-card .deal-top {
  background: var(--cream);
  color: var(--navy);
  padding: 20px;
  border-bottom: 1px solid var(--border);
}
.deal-card .deal-top .amount { font-size: 27px; font-weight: 700; color: var(--navy); font-family: var(--font-display); font-variation-settings: var(--font-display-compact); }
.deal-card .deal-top .type { font-size: 13px; color: var(--muted); margin-top: 4px; }
.deal-card .deal-body { padding: 18px 20px; }
.deal-card .deal-body dl { display: grid; grid-template-columns: auto 1fr; gap: 6px 10px; font-size: 13.5px; margin: 0; }
.deal-card .deal-body dt { color: var(--muted); }
.deal-card .deal-body dd { margin: 0; font-weight: 600; color: var(--navy); text-align: right; }

/* ---------------- Testimonials ---------------- */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.testi-card {
  background: var(--white);
  border-top: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.testi-stars { color: var(--accent); font-size: 15px; margin-bottom: 12px; letter-spacing: 2px; }
.testi-card p.quote { color: var(--text); font-size: 15px; font-style: italic; }
.testi-person { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.testi-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--blue-light);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 15px;
}
.testi-person strong { display: block; font-size: 14px; color: var(--navy); }
.testi-person span { font-size: 12.5px; color: var(--muted); }

.placeholder-note {
  font-size: 12.5px;
  color: var(--accent-dark);
  background: rgba(220, 167, 66, 0.1);
  border: 1px dashed var(--border-accent);
  padding: 8px 12px;
  border-radius: 6px;
  margin-top: 14px;
  display: inline-block;
}

/* Customer-facing referral disclosure — clearly distinct from the
   internal .placeholder-note style above. Used where a program is
   offered by a third party and RevitaLending is not the direct lender. */
.referral-notice {
  background: var(--cream);
  border-left: 4px solid var(--accent);
  padding: 22px 28px;
  max-width: 920px;
  margin: 0 auto;
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--text);
}
.referral-notice strong { color: var(--navy); }

/* ---------------- FAQ (hairline, editorial style) ---------------- */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--border);
  margin-bottom: 0;
  padding: 4px 0;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  padding: 20px 4px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 16px;
  gap: 20px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--accent-dark);
  flex: none;
  line-height: 1;
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { padding: 0 4px 20px; margin: 0; font-size: 14.5px; }

/* ---------------- CTA band ---------------- */
/* Signature gold gradient band with soft decorative glow circles —
   the site's strongest "pick up the phone" conversion moment. */
.cta-band {
  position: relative;
  background: linear-gradient(135deg, #e6b354 0%, var(--accent) 55%, #c8912f 100%);
  color: var(--navy-dark);
  text-align: center;
  overflow: hidden;
}
.cta-band .container { position: relative; z-index: 1; }
.cta-band h2 { color: var(--navy-dark); font-size: clamp(28px, 3.4vw, 40px); }
.cta-band p { color: rgba(8, 22, 39, 0.7); max-width: 560px; margin: 0 auto 30px; font-size: 17px; font-weight: 700; }
.cta-band .btn-row { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-band .btn-accent { background: var(--navy-dark); color: #fff; }
.cta-band .btn-accent:hover { background: var(--navy); box-shadow: 0 10px 22px rgba(8, 22, 39, 0.3); }
.cta-band .btn-outline { border-color: rgba(8, 22, 39, 0.35); color: var(--navy-dark); }
.cta-band .btn-outline:hover { border-color: var(--navy-dark); background: rgba(8, 22, 39, 0.06); }

/* ---------------- Footer ---------------- */
footer.site-footer {
  background: var(--navy-dark);
  color: var(--muted-light);
  padding-top: 60px;
  border-top: 1px solid rgba(255,255,255,.06);
}
.footer-mailing {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 34px 0;
  text-align: center;
}
.footer-mailing h5, .footer-mailing .footer-heading {
  color: #fff;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 16px;
}
.mailing-form {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  max-width: 760px;
  margin: 0 auto;
}
.mailing-form input {
  padding: 11px 14px;
  border-radius: 6px;
  border: 1px solid rgba(255,255,255,.15);
  background: rgba(255,255,255,.06);
  color: #fff;
  font-size: 14px;
  font-family: inherit;
  min-width: 180px;
}
.mailing-form input::placeholder { color: var(--muted-light); }
.mailing-form input:focus { outline: none; border-color: var(--accent); }
.btn-outline-navy-light { background: transparent; border-color: rgba(255,255,255,.3); color: #fff; }
.btn-outline-navy-light:hover { border-color: var(--accent); color: var(--accent); }
.mailing-success { color: #4ade80; margin-top: 4px; background: transparent; border: none; padding: 0; text-align: center; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 32px;
  padding-bottom: 42px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-grid h5, .footer-grid .footer-heading {
  color: #fff;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 18px;
}
.footer-grid p, .footer-grid a { font-size: 14px; color: var(--muted-light); }
.footer-grid li { margin-bottom: 11px; }
.footer-grid a:hover { color: var(--accent); }
.footer-logo { font-family: var(--font-display); font-variation-settings: var(--font-display-compact); font-size: 20px; font-weight: 700; color: #fff; margin-bottom: 12px; }
.footer-logo span { color: var(--accent); }
.social-row { display: flex; gap: 12px; margin-top: 16px; }
.social-row a {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  display: flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255,255,255,.12);
  color: #fff;
}
.social-row a:hover { background: var(--accent); color: var(--navy-dark); border-color: var(--accent); }
.footer-bottom {
  padding: 24px 0 28px;
  font-size: 12.5px;
  color: #7688a4;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-disclaimer {
  font-size: 11.5px;
  color: rgba(255,255,255,.35);
  line-height: 1.6;
  padding: 24px 0 0;
  border-top: 1px solid rgba(255,255,255,.06);
  margin-top: 6px;
}

/* ---------------- Page hero (interior pages) ---------------- */
/* Same dark, photo-backed treatment as the homepage hero, so every
   page opens with the same premium first impression. */
.page-hero {
  position: relative;
  background:
    linear-gradient(160deg, rgba(8, 22, 39, 0.94) 0%, rgba(19, 45, 79, 0.9) 100%),
    var(--hero-photo) center / cover no-repeat;
  color: #fff;
  padding: 74px 0 62px;
  text-align: center;
}
.page-hero .hero-roofmark { margin-left: auto; margin-right: auto; color: var(--accent); }
.page-hero h1 {
  color: #fff;
  font-size: clamp(28px, 3.6vw, 42px);
  position: relative;
  padding-bottom: 18px;
  display: inline-block;
}
.page-hero h1::after { content: ""; position: absolute; left: 50%; transform: translateX(-50%); bottom: 0; width: 68px; height: 3px; background: var(--accent); border-radius: 2px; }
.page-hero p { color: var(--muted-light); max-width: 580px; margin: 10px auto 0; font-size: 16.5px; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 14px; letter-spacing: .02em; }
.breadcrumb a { color: var(--accent-light); }
.breadcrumb a:hover { color: #fff; }

/* ---------------- About page ---------------- */
.about-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 48px;
  align-items: center;
}
.value-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.value-card {
  background: var(--white);
  border-radius: 0;
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
/* Same type as the homepage "Quick & Easy Funding" headings */
.value-card :is(h3, h4) {
  font-family: 'Roboto Flex', var(--font-sans);
  font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20;
  color: var(--navy);
  font-size: clamp(21px, 2.2vw, 25px);
  margin-bottom: .5rem;
}
.value-card p { font-size: .92rem; margin-bottom: 0; }
/* JV steps: body copy matches the homepage "Creative Funding Solutions" copy */
.step-cards .value-card p { font-size: 15.5px; color: var(--text); }
.team-card {
  background: var(--white);
  border-top: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 30px;
  display: flex;
  gap: 26px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}
.team-photo {
  flex: none;
  width: 96px; height: 96px;
  border-radius: 50%;
  background: var(--blue-light);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 30px;
}

/* ---------------- Apply Now hub + application forms ---------------- */
.broker-box {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 4px 0 18px;
}
.broker-box[hidden] { display: none; }
.broker-box h5, .broker-box .broker-title { margin: 0 0 12px; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--accent-dark); }
.form-section-title {
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--accent-dark);
  margin: 30px 0 14px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}
.form-section-title:first-of-type { border-top: none; padding-top: 0; margin-top: 0; }
.conditional-field[hidden] { display: none; }
.apply-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.apply-card {
  background: var(--white);
  border-radius: 0;
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
  text-align: center;
  display: flex;
  flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease;
}
.apply-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.apply-card .ico { width: 64px; height: 64px; margin: 0 auto 16px; display: block; }
.apply-card .ico svg { display: block; width: 64px; height: 64px; overflow: visible; }
/* Clipboard + pen, two-tone vector mark shared by every application card */
.clip-ico .cb-board { fill: #fff; stroke: var(--navy); stroke-width: 2.5; }
.clip-ico .cb-clip { fill: var(--navy); }
.clip-ico .cb-hole { fill: #fff; }
.clip-ico .cb-line { fill: none; stroke: var(--navy); stroke-width: 2.5; stroke-linecap: round; }
.clip-ico .cb-pen { fill: var(--accent); stroke: var(--navy); stroke-width: 2.2; stroke-linejoin: round; }
.clip-ico .cb-nib { fill: #fff; stroke: var(--navy); stroke-width: 2.2; stroke-linejoin: round; }
.clip-ico .cb-pen ~ .cb-line { stroke-width: 2; }
/* Same type as "Commercial Bridge Loans" on the Loan Programs page */
.apply-card :is(h2, h3) { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; color: var(--navy); margin-bottom: 8px; }
.apply-card p { font-size: 14px; flex: 1; }
.apply-card .btn { margin-top: 16px; }
@media (max-width: 980px) {
  .apply-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .apply-grid { grid-template-columns: 1fr; }
}

/* ---------------- Contact page ---------------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
}
.contact-info-card {
  background: var(--white);
  border-top: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
.contact-info-card .info-row { display: flex; gap: 14px; margin-bottom: 22px; }
.contact-info-card .info-row:last-child { margin-bottom: 0; }
.contact-info-card .info-row .ico {
  width: 40px; height: 40px;
  flex: none;
  border-radius: 50%;
  background: var(--blue-light);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
}
.contact-info-card .info-row .info-label { font-size: 14.5px; margin-bottom: 2px; color: var(--navy); }
.contact-info-card .info-row p { font-size: 14.5px; margin: 0; }
.map-placeholder {
  height: 200px;
  border-radius: var(--radius);
  background: repeating-linear-gradient(45deg, var(--blue-light), var(--blue-light) 10px, rgba(0,0,0,.015) 10px, rgba(0,0,0,.015) 20px);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue);
  font-size: 13px;
  font-weight: 700;
  margin-top: 10px;
  border: 1px solid var(--border);
}
.form-card {
  background: var(--white);
  border-top: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
}

/* ---------------- Responsive ---------------- */
@media (max-width: 980px) {
  section { padding: 72px 0; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .program-grid { grid-template-columns: 1fr; }
  .numbered-grid { grid-template-columns: 1fr; gap: 36px; }
  .numbered-item:not(:first-child)::before { display: none; }
  .deal-grid { grid-template-columns: repeat(2, 1fr); }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .value-grid { grid-template-columns: 1fr; }
  .hero .container { grid-template-columns: 1fr; }
  .hero-copy { text-align: left; }
}

@media (max-width: 800px) {
  nav.main-nav {
    display: flex;
    position: fixed; top: 0; right: -100%; height: 100vh; width: 280px;
    background: #fff; box-shadow: -8px 0 30px rgba(16,36,61,.18);
    padding: 90px 28px; transition: right .25s ease; z-index: 99;
    border-left: 1px solid var(--border);
  }
  nav.main-nav.open { right: 0; }
  nav.main-nav ul { flex-direction: column; }
  nav.main-nav a { padding: 13px 4px; }
  nav.main-nav a::after { left: 4px; right: 4px; }
  .nav-toggle { display: flex; }
  .header-apply span.arrow { display: none; }
  .topbar .container { justify-content: center; text-align: center; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .deal-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  section { padding: 60px 0; }
  .footer-bottom { justify-content: center; text-align: center; }
  .cta-band::before, .cta-band::after { display: none; }
}


/* ============================================================
   Round-2 additions
   ============================================================ */

/* Page-hero variants: solid blue, or photo with a contrast overlay */
.page-hero.hero-solid { background: var(--navy-mid); }
.page-hero.hero-photo {
  background:
    linear-gradient(180deg, rgba(8, 22, 39, 0.62) 0%, rgba(12, 30, 54, 0.58) 100%),
    var(--hero-photo) center 42% / cover no-repeat;
}
.page-hero.hero-photo h1,
.page-hero.hero-photo p,
.page-hero.hero-photo .breadcrumb,
.page-hero.hero-photo .hero-badge strong,
.page-hero.hero-photo .hero-badge span { text-shadow: 0 2px 14px rgba(4, 12, 24, 0.6); }
.page-hero.hero-photo p { max-width: 700px; color: #e8eef7; }
.page-hero h1 .h1-sub { display: block; font-size: .52em; font-weight: 500; letter-spacing: .01em; margin-top: 8px; line-height: 1.25; }
.page-hero h1 .h1-sub { font-family: var(--font-sans); }

/* Homepage: skyline mark above the quote card */
.hero-aside { display: flex; flex-direction: column; gap: 22px; }
.hero-skyline { width: 100%; height: auto; max-height: 168px; }

/* Homepage: images above the three feature columns */
.numbered-img { width: 88px; height: 88px; object-fit: contain; margin: 0 auto 18px; }

/* Image placeholders at the top of the program cards (bleed to card edges) */
.card-img-holder {
  margin: -32px -32px 26px;
  height: 180px;
  background: repeating-linear-gradient(45deg, #e9eef5, #e9eef5 12px, #dfe6f0 12px, #dfe6f0 24px);
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  text-align: center;
  color: #5b6b7c;
  font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; line-height: 1.6;
}

/* Alternative Funding */
.sub-highlight { font-size: 18px; font-weight: 700; color: var(--accent-dark); margin: 0 0 12px; }
.dl-ico { flex: none; }
.btn-row { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.btn-row .btn-outline-navy { background: transparent; }

/* Header dropdown: Loan Programs */
nav.main-nav li { position: relative; }
nav.main-nav .has-sub > a .caret {
  display: inline-block; margin-left: 8px; width: 7px; height: 7px;
  border: solid currentColor; border-width: 0 2px 2px 0;
  transform: translateY(-3px) rotate(45deg);
  transition: transform .2s ease;
}
nav.main-nav .has-sub.open > a .caret,
nav.main-nav .has-sub:hover > a .caret { transform: translateY(0) rotate(225deg); }
nav.main-nav .sub-menu {
  display: none;
  flex-direction: column;
  gap: 0;
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  min-width: 290px;
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent);
  box-shadow: 0 18px 40px rgba(8, 22, 39, 0.16);
  padding: 6px 0;
  z-index: 120;
}
nav.main-nav .has-sub:hover > .sub-menu,
nav.main-nav .has-sub:focus-within > .sub-menu,
nav.main-nav .has-sub.open > .sub-menu { display: flex; }
nav.main-nav .sub-menu a { padding: 13px 22px; white-space: nowrap; }
nav.main-nav .sub-menu a::after { display: none; }
nav.main-nav .sub-menu a:hover, nav.main-nav .sub-menu a.active { background: var(--cream); }
@media (max-width: 800px) {
  nav.main-nav .sub-menu { position: static; transform: none; box-shadow: none; border: none; border-left: 2px solid var(--accent); min-width: 0; padding: 0 0 0 10px; margin: 0 0 6px 4px; }
  nav.main-nav .has-sub:hover > .sub-menu { display: none; }
  nav.main-nav .has-sub.open > .sub-menu { display: flex; }
  nav.main-nav .sub-menu a { padding: 11px 6px; white-space: normal; }
  nav.main-nav .sub-menu a:hover, nav.main-nav .sub-menu a.active { background: none; }
}
.header-apply .arrow { font-size: 1.05em; }

@media (max-width: 560px) {
  .card-grid { grid-template-columns: 1fr; }
}

/* Home hero stat lines: sentence case ("Over 15 years"), no count-up */
.hero .hero-badge strong { text-transform: none; }
/* Program-card photos (home + Loan Programs) */
.card-img-holder.has-photo { display: block; background: none; border-bottom: 0; }
.card-img-holder.has-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* Photo beside a parameters chart (Fix & Flip format) */
.highlight-image.has-photo { border: 0; background: none; min-height: 0; padding: 0; display: block; position: relative; overflow: hidden; box-shadow: var(--shadow-sm); }
.highlight-image.has-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
@media (max-width: 860px) { .highlight-image.has-photo { min-height: 320px; } }
.highlight-layout.img-right .highlight-image { order: 2; }
.highlight-layout.img-right { grid-template-columns: 1.15fr 1fr; }
@media (max-width: 860px) { .highlight-layout.img-right { grid-template-columns: 1fr; } .highlight-layout.img-right .highlight-image { order: 0; } }

/* JV step cards: centered, with an icon on top like the Fix & Flip cards */
.step-cards .value-card { text-align: center; }
.step-cards .value-card .ff-icon { display: block; margin: 0 auto 14px; }

/* ============================================================
   Round-4 additions
   ============================================================ */
:root { --blue-btn: #2669bd; }

/* Blue action buttons (Apply hub, Alternative Funding) */
.btn-blue { background: var(--blue-btn); color: #fff; }
.btn-blue:hover { background: #1f57a0; color: #fff; transform: translateY(-2px); box-shadow: 0 10px 22px rgba(38, 105, 189, 0.32); }

/* Form fields: white, with a clear edge so they read on a white card */
.form-row input,
.form-row select,
.form-row textarea { background: #fff; border-color: #c5cedb; }

/* Square boxes, no gold top bar (contact cards, application cards) */
.form-card, .contact-info-card { border-top: 0; border-radius: 0; }
.broker-box { border-radius: 0; }

/* Application forms: labels in Title Case with colons (not ALL CAPS) */
.app-form .form-row label { text-transform: none; letter-spacing: 0; font-size: 14.5px; font-weight: 700; }
/* "By submitting..." fine print: small and centered */
.form-card .form-note { font-size: 9.5px; font-weight: 700; color: var(--navy-dark); text-align: center; margin: 12px 0 0; }

/* Home: column headers match the "Commercial Bridge Loans" program-card headers */
.numbered-item h2.heading-center-bold { font-size: 21px; color: var(--navy); }

/* About page */
.about-skyline { display: block; width: 100%; max-width: 380px; height: auto; margin: 0 0 26px; }
.about-values .value-card { text-align: center; }
.about-values .value-card .ff-icon { display: block; margin: 0 auto 14px; }

/* Contact page: bigger type, bigger icons, no circles */
.contact-info-card .info-row { gap: 22px; margin-bottom: 32px; align-items: center; }
.contact-info-card .info-row .ico { width: 48px; height: 48px; flex: none; border-radius: 0; background: none; color: var(--navy); display: flex; align-items: center; justify-content: center; }
.contact-info-card .info-row .ico svg { width: 44px; height: 44px; display: block; }
.contact-info-card .info-row .info-label { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 22px; margin-bottom: 4px; color: var(--navy); }
.contact-info-card .info-row p { font-size: 18px; margin: 0; line-height: 1.4; }
/* "Submit a Loan Request" in the same type as "Commercial Bridge Loans" */
.contact-grid .form-card :is(h2, h3) { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; color: var(--navy); }

/* Apply hub: blue clipboard + elegant fountain pen */
.clip-ico .cb-board { fill: #fff; stroke: var(--blue-btn); stroke-width: 2.5; }
.clip-ico .cb-clip { fill: var(--blue-btn); }
.clip-ico .cb-hole { fill: #fff; }
.clip-ico .cb-line { fill: none; stroke: var(--blue-btn); stroke-width: 2.5; stroke-linecap: round; }
.clip-ico .cb-halo { fill: #fff; stroke: #fff; stroke-width: 5; stroke-linejoin: round; }
.clip-ico .cb-pen { fill: var(--blue-btn); stroke: var(--blue-btn); stroke-width: 1.6; stroke-linejoin: round; }
.clip-ico .cb-nib { fill: #fff; stroke: var(--blue-btn); stroke-width: 1.8; stroke-linejoin: round; }
.clip-ico .cb-slit { fill: none; stroke: var(--blue-btn); stroke-width: 1.4; stroke-linecap: round; }
.clip-ico .cb-band, .clip-ico .cb-clipline { fill: none; stroke: #fff; stroke-width: 1.3; stroke-linecap: round; }

/* Thank-you page */
.thanks-hero { padding: 150px 0 170px; text-align: center; }
.thanks-hero .container { display: block; }
.thanks-hero h1 { max-width: 900px; margin: 0 auto 34px; }
.thanks-hero .btn-outline { border-color: rgba(255,255,255,.45); color: #fff; }

/* Home hero: tighter gap between the menu bar and the skyline above the quote card */
.hero { padding: 50px 0 76px; }
@media (max-width: 980px) { .hero { padding: 56px 0 64px; } }


/* ================= Round 5 ================= */
/* Home: circle design around the three feature icons */
.icon-circle {
  position: relative;
  width: 132px; height: 132px;
  margin: 0 auto 22px;
  border: 2px solid #6aa5e6;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.icon-circle::before, .icon-circle::after { content: ""; position: absolute; border-radius: 50%; }
.icon-circle::before { width: 20px; height: 20px; background: #d4deec; top: 6px; right: 4px; }
.icon-circle::after { width: 15px; height: 15px; background: #8ec5f2; bottom: 10px; left: 4px; }
.icon-circle .numbered-img { width: 76px; height: 76px; margin: 0; }

/* Home: collapsible FAQ */
.faq-toggle {
  display: flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; margin: 26px auto 0;
  border: 2px solid var(--blue); border-radius: 50%;
  background: #fff; color: var(--blue); cursor: pointer;
  transition: background .2s, color .2s;
}
.faq-toggle[hidden] { display: none; }
.faq-toggle:hover, .faq-toggle:focus-visible { background: var(--blue); color: #fff; }
.faq-toggle svg { transition: transform .25s; }
.faq-toggle.is-open svg { transform: rotate(180deg); }
.faq-list[hidden] { display: none; }
.faq-list { animation: faqIn .3s ease; }
@keyframes faqIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* Home: blue CTA band (blue to match the logo) */
.cta-band.cta-blue { background: linear-gradient(135deg, #17417a 0%, #2669bd 60%, #2f7fd1 100%); color: #fff; }
.cta-band.cta-blue h2 { color: #fff; }
.cta-band.cta-blue p { color: rgba(255, 255, 255, .88); }
.cta-band.cta-blue .btn-accent { background: var(--accent); color: var(--navy-dark); }
.cta-band.cta-blue .btn-accent:hover { background: #e6b354; box-shadow: 0 10px 22px rgba(0, 0, 0, .28); }
.cta-band.cta-blue .btn-outline { border-color: rgba(255, 255, 255, .6); color: #fff; }
.cta-band.cta-blue .btn-outline:hover { border-color: #fff; background: rgba(255, 255, 255, .12); color: #fff; }

/* Loan-program hero "Submit Your Deal" button — dark blue */
.btn-hero-blue { background: #1b4a8e; color: #fff; border: 1.5px solid rgba(255, 255, 255, .5); }
.btn-hero-blue:hover { background: #143b74; color: #fff; border-color: #fff; transform: translateY(-2px); box-shadow: 0 10px 22px rgba(4, 12, 24, .4); }

/* Bulleted lists inside parameter-table cells */
.params-table .cell-list { list-style: disc; margin: 0; padding-left: 20px; }
.params-table .cell-list li { margin: 0 0 5px; padding-left: 2px; }
.params-table .cell-list li:last-child { margin-bottom: 0; }
.params-table .cell-list li::marker { color: var(--blue); }

/* Alternative Funding — two aligned columns (no images) */
.alt-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto 1fr auto;
  column-gap: 40px;
  row-gap: 0;
}
.alt-col { display: grid; grid-row: span 4; grid-template-rows: subgrid; min-width: 0; }
.alt-head { text-align: center; }
.alt-head h2 { font-size: clamp(26px, 2.6vw, 32px); margin: 8px 0 14px; }
.alt-intro { text-align: center; padding-bottom: 26px; }
.alt-intro p { font-size: 15.5px; margin: 0 0 10px; }
.alt-intro .sub-highlight { margin-bottom: 12px; }
.alt-table { display: flex; }
.alt-table .params-table { height: 100%; }
.alt-actions { justify-content: center; margin-top: 26px; align-items: flex-start; }
@media (max-width: 900px) {
  .alt-cols { grid-template-columns: 1fr; grid-template-rows: none; row-gap: 56px; }
  .alt-col { display: block; grid-row: auto; }
  .alt-intro { padding-bottom: 20px; }
}
.alt-table .params-table { table-layout: fixed; }
.alt-table .params-table th, .alt-table .params-table td { padding: 10px 16px; line-height: 1.5; font-size: 14.5px; }
.alt-table .params-table td:first-child { font-size: 12.5px; letter-spacing: .03em; }
.alt-table .params-table th:first-child, .alt-table .params-table td:first-child { width: 38%; }
.alt-table .params-table tbody tr { height: 74px; }
.alt-table .params-table thead tr { height: 52px; }
@media (max-width: 900px) { .alt-table .params-table tbody tr { height: auto; } }

/* About: top-align columns, contact form under the intro copy */
.about-grid { align-items: start; }
.about-contact { margin-top: 34px; }
.about-contact h3 { font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 700, 'wdth' 115, 'opsz' 20; font-size: 21px; color: var(--navy); }

/* Contact: info column text sized to match the button label (15px) */
.contact-info-card .info-row { gap: 18px; margin-bottom: 26px; }
.contact-info-card .info-row .info-label { font-size: 15px; margin-bottom: 2px; }
.contact-info-card .info-row p { font-size: 15px; line-height: 1.45; }
.contact-info-card .info-row .ico { width: 40px; height: 40px; }
.contact-info-card .info-row .ico svg { width: 36px; height: 36px; }
.contact-section { padding-top: 64px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }


/* ============================================================
   Round 6 — type scale, contrast, tablet forms
   Scale: H1 40-48 · H2 32-36 · card titles 21 · body 16 · small 13 · nothing under 12
   ============================================================ */
:root { --gold-ink: #8a6212; --link: #1f63b3; }

/* Headings */
.hero h1 { font-size: clamp(34px, 3.5vw, 48px); }
.page-hero h1 { font-size: clamp(30px, 3.1vw, 42px); }
.section-head h2, .cta-band h2 { font-size: clamp(27px, 2.6vw, 36px); }
.alt-head h2 { font-size: clamp(26px, 2.4vw, 32px); }
/* Card titles: one size everywhere (21px) */
.value-card :is(h3, h4), .prop-card :is(h3, h4), .step-item :is(h3, h4), .program-card :is(h2, h3), .apply-card :is(h2, h3), .numbered-item h2.heading-center-bold,
.elig-col h3, .form-card h3, .contact-grid .form-card :is(h2, h3), .about-contact h3 { font-size: 21px; }
.numbered-item h2 { font-size: 21px; }

/* Body copy: 16px baseline */
.numbered-item p, .prop-card p, .step-item p, .step-cards .value-card p, .value-card p,
.faq-item p, .elig-col li, .program-card li, .alt-intro p, .apply-card p { font-size: 16px; }
.params-table td, .params-table th + th { font-size: 16px; }
.params-table td:first-child { font-size: 13.5px; }
.params-table th { font-size: 13px; }
.alt-table .params-table th, .alt-table .params-table td { font-size: 16px; padding: 10px 16px; }
.alt-table .params-table th { font-size: 13px; }
.alt-table .params-table td:first-child { font-size: 13px; }
.alt-table .params-table tbody tr { height: 84px; }
.quote-card p.small, .form-card p.small { font-size: 15px; }
.form-row input, .form-row select, .form-row textarea, .app-form input, .app-form select, .app-form textarea { font-size: 16px; }
.footer-grid p, .footer-grid a { font-size: 15px; }
.footer-mailing input { font-size: 15px; }

/* Small text: 13px floor for labels, 12px absolute minimum */
.eyebrow, .tag, .program-card .region-line { font-size: 13px; }
.hero-badge span { font-size: 13px; }
.quote-card .form-note, .form-card .form-note { font-size: 13px; font-weight: 600; line-height: 1.5; }
.footer-bottom { font-size: 13px; color: #9aaac2; }
.footer-disclaimer { font-size: 13px; color: rgba(255, 255, 255, .68); line-height: 1.65; }
.broker-box h5, .broker-box .broker-title, .testi-person span { font-size: 12px; }

/* Contrast: darker gold for small text on light backgrounds, deeper blue for links */
.eyebrow, .tag, .program-card .region-line, .sub-highlight, .broker-box h5, .broker-box .broker-title { color: var(--gold-ink); }
.section-dark .eyebrow, .hero-copy .eyebrow, .page-hero .eyebrow { color: var(--accent-light); }
.numbered-item p a, .faq-item p a, .referral-notice a { color: var(--link); }
.cta-band.cta-blue { background: linear-gradient(135deg, #17417a 0%, #2360ab 60%, #2563b0 100%); }

/* Tablet: keep paired form fields side by side until phone width */
@media (max-width: 560px) { .form-two { grid-template-columns: 1fr; } }
.alt-table .params-table th, .alt-table .params-table td { padding: 8px 16px; line-height: 1.4; }
.alt-table .params-table tbody tr { height: 88px; }
.alt-table .params-table thead tr { height: 52px; }
@media (max-width: 900px) { .alt-table .params-table tbody tr { height: auto; } }
.program-card .tag { font-size: 13px; }
.params-table th + th { font-size: 13px; }

.footer-grid .footer-heading, .footer-mailing .footer-heading { font-weight: 700; line-height: 1.3; margin-top: 0; }
.contact-info-card .info-row .info-label { font-weight: 700; margin: 0 0 2px; line-height: 1.3; }
.broker-box .broker-title { font-weight: 700; line-height: 1.3; }

/* ============================================================
   Round 6 — accessibility and print
   ============================================================ */
/* Visible keyboard focus everywhere */
a:focus-visible, button:focus-visible, summary:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid #4aa8ff; outline-offset: 2px; border-radius: 4px;
}
.site-footer a:focus-visible, .hero a:focus-visible, .page-hero a:focus-visible, .cta-band a:focus-visible { outline-color: #f2cf83; }

/* Comfortable tap targets for footer links */
.footer-grid li a { display: inline-block; padding: 6px 0; }

/* Respect "reduce motion" */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* Print: clean black-on-white pages without navigation, forms or decoration */
@media print {
  .topbar, .site-header, .site-footer, .cta-band, .nav-toggle, .faq-toggle, .btn-row, .hero-cta-row, form, .hero-aside, .hero-skyline, .about-skyline { display: none !important; }
  body { background: #fff; color: #000; font-size: 12pt; }
  .hero, .page-hero, .page-hero.hero-photo, .hero-solid { background: none !important; color: #000; padding: 0 0 12pt; }
  .hero h1, .page-hero h1, .page-hero p, .hero p, .breadcrumb, .hero-badge strong, .hero-badge span, .hero-checklist li { color: #000 !important; text-shadow: none !important; }
  section { padding: 14pt 0 !important; background: none !important; }
  .faq-list[hidden] { display: block !important; }
  .params-table th { background: #eee !important; color: #000 !important; }
  .params-table, .params-table td, .params-table th { border-color: #999 !important; }
  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 9pt; }
  img { max-width: 100%; }
  .value-card, .prop-card, .step-item, .program-card, .params-table tr { break-inside: avoid; }
}
.about-grid h2 { font-size: clamp(27px, 2.6vw, 34px); margin-bottom: 14px; }
@media print { .breadcrumb a { color: #000 !important; } }


/* ============================================================
   Round 7
   ============================================================ */
/* Home quote card: light divider under the title; note centered */
.quote-card :is(h2, h3) { padding-bottom: 16px; margin-bottom: 20px; border-bottom: 1px solid rgba(22, 41, 74, .14); }
.quote-card .form-note, .form-card .form-note { text-align: center; }

/* Home hero checklist: sentence-case words, one line each */
.hero-checklist { gap: 12px 30px; }
.hero-checklist li { text-transform: none; letter-spacing: .01em; font-size: 17px; line-height: 1.4; white-space: nowrap; }
@media (max-width: 560px) { .hero-checklist li { white-space: normal; } }

/* Home "Built for How Investors Actually Move": stacked rows, icon left */
.feature-section .numbered-grid { grid-template-columns: 1fr; gap: 0; max-width: 940px; margin: 0 auto; }
.feature-section .numbered-item { display: grid; grid-template-columns: 150px 1fr; column-gap: 40px; align-items: start; padding: 38px 0; border-bottom: 1px solid #dbe3ee; }
.feature-section .numbered-item:first-child { padding-top: 8px; }
.feature-section .numbered-item:last-child { border-bottom: 0; padding-bottom: 0; }
.feature-section .numbered-item:not(:first-child)::before { display: none; }
.feature-section .icon-circle { margin: 0; }
.feature-section .ni-text h2 { text-align: left; padding-bottom: 14px; margin-bottom: 12px; }
.feature-section .ni-text h2::after { left: 0; transform: none; }
.feature-section .ni-text p { text-align: left; margin: 0; }
@media (max-width: 640px) {
  .feature-section .numbered-item { grid-template-columns: 1fr; row-gap: 18px; }
  .feature-section .icon-circle { margin: 0 auto; }
}

/* FAQ arrow: dark blue, tighter spacing above the band */
.faq-toggle { border-color: var(--navy); color: var(--navy); }
.faq-toggle:hover, .faq-toggle:focus-visible { background: var(--navy); color: #fff; }
section.faq-section { padding-bottom: 44px; }
.faq-section .section-head { margin-bottom: 0; }
.faq-section .faq-list { margin-top: 36px; }

/* Blue bands everywhere: primary button is blue with a white edge */
.cta-band.cta-blue .btn-accent { background: #2872c6; color: #fff; border: 2px solid rgba(255, 255, 255, .9); }
.cta-band.cta-blue .btn-accent:hover { background: #1f5fae; color: #fff; box-shadow: 0 10px 22px rgba(0, 0, 0, .28); }

/* ---- Round 7: cards left-aligned, divider between icon and title ---- */
.prop-card, .step-cards .value-card { text-align: left; }
.prop-card .ff-icon, .step-cards .value-card .ff-icon { display: block; margin: 0 0 18px; }
.prop-card :is(h3, h4), .step-cards .value-card :is(h3, h4) { border-top: 1px solid #dbe3ee; padding-top: 16px; text-align: left; }
.prop-card p, .step-cards .value-card p { text-align: left; }
.prop-card { padding: 28px 24px; }

/* How It Works: left-aligned, headers visible on the dark band */
.step-item { text-align: left; }
.step-item .step-num { margin-left: 0; margin-right: 0; }
.step-item p { text-align: left; }
.section-dark .step-item :is(h3, h4) { color: #fff; }

/* ---- Round 7: charts (parameter tables) — title-case labels, slightly smaller type ---- */
.params-table th { font-size: 13px; text-transform: none; letter-spacing: .02em; }
.params-table th + th { font-size: 13px; }
.params-table td { font-size: 15px; }
.params-table td:first-child { font-size: 13px; letter-spacing: .01em; text-transform: none; }
.alt-table .params-table th, .alt-table .params-table td { font-size: 15px; }
.alt-table .params-table th { font-size: 13px; }
.alt-table .params-table td:first-child { font-size: 13px; letter-spacing: .01em; }
.alt-table .params-table tbody tr { height: 80px; }
.params-table .cell-list li::marker { color: #1b4a8e; }
.params-table .cell-list { font-size: 15px; }
@media (max-width: 900px) { .alt-table .params-table tbody tr { height: auto; } }

/* Footer disclaimer: centered, with breathing room above the page bottom */
.footer-disclaimer { text-align: center; max-width: 900px; margin-left: auto; margin-right: auto; padding-bottom: 44px; }

/* Round 7b — tighter gap between the FAQ arrow and the blue band heading */
section.faq-section { padding-bottom: 32px; }
.faq-section + .cta-band { padding-top: 64px; }
.step-item .step-num { justify-content: flex-start; }

/* ---- Round 8: card icons + titles centered, paragraphs left; one font size in every chart ---- */
.prop-card .ff-icon, .step-cards .value-card .ff-icon { margin: 0 auto 18px; }
.prop-card :is(h3, h4), .step-cards .value-card :is(h3, h4) { text-align: center; }
.params-table th, .params-table th + th,
.params-table td, .params-table td:first-child,
.alt-table .params-table th, .alt-table .params-table td, .alt-table .params-table td:first-child,
.params-table .cell-list { font-size: 15px; }
.params-table td:first-child { letter-spacing: 0; }

/* ---- Round 9: smaller type across the site (titles 19, paragraphs 14.5, charts 14) ---- */
.value-card :is(h3, h4), .prop-card :is(h3, h4), .step-item :is(h3, h4), .step-cards .value-card :is(h3, h4),
.program-card :is(h2, h3), .apply-card :is(h2, h3), .numbered-item h2, .numbered-item h2.heading-center-bold,
.elig-col h3, .form-card h3, .contact-grid .form-card :is(h2, h3), .about-contact h3 { font-size: 19px; }
.numbered-item p, .prop-card p, .step-item p, .step-cards .value-card p, .value-card p,
.faq-item p, .elig-col li, .program-card li, .alt-intro p, .apply-card p { font-size: 14.5px; }
.faq-item summary { font-size: 15px; }
.params-table th, .params-table th + th, .params-table td, .params-table td:first-child,
.alt-table .params-table th, .alt-table .params-table td, .alt-table .params-table td:first-child,
.params-table .cell-list { font-size: 14px; }

/* Round 9b: Home "Built for How Investors Actually Move" keeps its original sizes */
.feature-section .numbered-item h2, .feature-section .numbered-item h2.heading-center-bold { font-size: 21px; }
.feature-section .numbered-item p { font-size: 16px; }

/* ---- V2: keyword subheads under section H2s (SEO semantic hierarchy) ---- */
/* V2.2: promoted to h2 on the two program pages below for an SEO-targeted
   heading (visual style unchanged, tag selector widened to match) */
.section-head h3.kicker3, .section-head h2.kicker3 {
  font-family: var(--font-sans);
  font-size: 14px;
  font-weight: 700;
  color: var(--blue-mid);
  text-transform: uppercase;
  letter-spacing: .05em;
  margin: -8px 0 14px;
}
/* V2.2: h2.kicker3 (promoted from h3 for SEO) must keep the original h3's
   block layout and plain styling — undo the generic ".section-head h2"
   rules (inline-block sizing + gold squiggle underline) that would
   otherwise make it sit beside "Key Highlights" and pick up a second
   underline it was never designed to have. */
.section-head h2.kicker3 { display: block; padding-bottom: 0; }
.section-head h2.kicker3::after { content: none; }

/* ---- V2: Recently Funded — representative deal tombstones ---- */
.deal-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 26px;
}
.deal-card {
  position: relative;
  background: var(--white);
  box-shadow: var(--shadow);
  transition: transform .2s ease, box-shadow .2s ease;
  overflow: hidden;
}
.deal-card:hover { transform: translateY(-4px); box-shadow: 0 30px 60px rgba(8, 22, 39, 0.22); }
.deal-flag {
  position: absolute; top: 14px; right: 14px; z-index: 1;
  background: rgba(8, 22, 39, .82); color: var(--accent-light);
  font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em;
  padding: 4px 10px; border-radius: 3px;
}
.deal-photo.has-photo { aspect-ratio: 4 / 2.1; overflow: hidden; }
.deal-photo.has-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.deal-body { padding: 22px 24px 26px; }
.deal-amount {
  font-family: 'Roboto Flex', var(--font-sans); font-variation-settings: 'wght' 800, 'wdth' 115, 'opsz' 20;
  font-size: 27px; color: var(--navy); margin-bottom: 4px;
}
.deal-type { font-size: 14.5px; font-weight: 600; color: var(--text); margin-bottom: 8px; }
.deal-loc { font-size: 13px; font-weight: 700; color: var(--accent-dark); letter-spacing: .01em; margin-bottom: 6px; }
.deal-terms { font-size: 13px; color: var(--muted); border-top: 1px solid var(--border); padding-top: 10px; }
.deal-disclaimer { margin: 28px 0 0; font-size: 13px; color: var(--muted); text-align: center; max-width: 720px; margin-left: auto; margin-right: auto; }
@media (max-width: 640px) { .deal-grid { grid-template-columns: 1fr; } }

/* ---- V2: About — Leadership & Execution panel (3-col dark) ---- */
.step-grid-3 { grid-template-columns: repeat(3, 1fr); }
.step-grid-3 .step-item { text-align: left; }
@media (max-width: 860px) { .step-grid-3 { grid-template-columns: 1fr; } }

/* ---- V2: stacked two-line CTA button (label + sub-label) ---- */
.btn-stacked { flex-direction: column; white-space: normal; gap: 2px; padding-top: 14px; padding-bottom: 14px; }
.btn-stacked .btn-sub { font-size: 12px; font-weight: 600; opacity: .82; text-transform: none; letter-spacing: 0; }

/* ---- V2: footer rate-sheet lead magnet ---- */
.footer-mailing-sub { color: var(--muted-light); font-size: 13.5px; margin: -6px 0 16px; }
.mailing-form-single input[type="email"] { min-width: 260px; }

/* ---- V2: Partner Program badge (HELOC / Material Funding referral programs) ---- */
.partner-badge {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue-mid);
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .04em;
  padding: 4px 10px;
  border-radius: 999px;
  margin: 2px 0 10px;
}

/* ---- V2: 2-step application wizard ---- */
.app-progress {
  display: flex;
  gap: 10px;
  margin: 0 0 26px;
}
.app-progress-step {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 12px;
  border-bottom: 3px solid var(--border);
  font-size: 12.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--muted);
  transition: color .2s ease, border-color .2s ease;
}
.app-progress-step .num {
  flex: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--border);
  color: var(--white);
  font-size: 11.5px;
  font-weight: 800;
  transition: background .2s ease;
}
.app-progress-step.active { color: var(--navy); border-color: var(--accent); }
.app-progress-step.active .num { background: var(--accent); }
.app-step[hidden] { display: none; }
.step-nav {
  display: flex;
  gap: 14px;
  margin-top: 22px;
}
.step-nav .btn { flex: 1; }
.step-nav-single { justify-content: flex-end; margin-top: 22px; }
.step-nav-single .btn { flex: none; min-width: 240px; }
@media (max-width: 560px) {
  .app-progress-step span:not(.num) { font-size: 11px; }
  .step-nav-single .btn { min-width: 0; width: 100%; }
}

/* ---- V2: mobile sticky CTA bar ---- */
.mobile-cta-bar { display: none; }
@media (max-width: 720px) {
  /* Bar is 64px of button content plus its own safe-area padding below —
     body compensation must add up to exactly that or the footer disclaimer
     sits under the bar on notch/home-indicator devices. */
  body { padding-bottom: 64px; padding-bottom: calc(64px + env(safe-area-inset-bottom)); }
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 999;
    box-shadow: 0 -2px 14px rgba(10, 25, 47, .18);
    padding-bottom: max(0px, env(safe-area-inset-bottom));
  }
  .mcb-btn {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    height: 64px;
    font-size: 14.5px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .03em;
    text-decoration: none;
  }
  .mcb-call { background: var(--navy); color: #fff; }
  .mcb-submit { background: var(--accent); color: var(--navy); }
  .mcb-btn svg { flex: none; }
}

/* ---- V2: responsive parameter tables — stacked key/value cards under 768px ---- */
@media (max-width: 768px) {
  .params-table, .params-table tbody, .params-table tr, .params-table td {
    display: block;
    width: 100% !important;
  }
  .params-table thead { display: none; }
  .params-table {
    border: none;
    box-shadow: none;
    background: transparent;
  }
  .params-table tr {
    background: var(--white);
    border: 1px solid #cdd5e0;
    border-radius: 10px;
    box-shadow: var(--shadow-sm);
    padding: 14px 16px;
    margin-bottom: 12px;
    height: auto !important;
  }
  .params-table tr:last-child { margin-bottom: 0; }
  .params-table td {
    border: none !important;
    text-align: left !important;
    padding: 5px 0 !important;
    line-height: 1.45;
  }
  .params-table td:first-child {
    font-size: 11.5px !important;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--accent-dark);
    padding-bottom: 2px !important;
  }
  .params-table td:last-child {
    color: var(--text);
    font-weight: 500;
  }
  .params-table td.highlight {
    background: rgba(220, 167, 66, 0.12);
    border-radius: 6px;
    padding: 8px 10px !important;
    margin: 2px 0;
  }
  .params-table .cell-list { padding-left: 18px; }
  .table-wrap { overflow-x: visible; }
}

/* ---- V2.1: "In Plain English" summary above a parameter table ---- */
/* V2.2: restyled to a cooler slate callout with a gold left accent bar,
   per spec (exact values below) */
.plain-english {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #F1F5F9;
  border: none;
  border-left: 4px solid #C5A059;
  border-radius: 4px;
  padding: 12px 16px;
  margin: -8px 0 26px;
  max-width: 760px;
}
.plain-english .pe-tag {
  flex: none;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: #8a6523;
  white-space: nowrap;
  padding-top: 1px;
}
.plain-english p { margin: 0; font-size: 15px; color: #0F2444; font-weight: 500; line-height: 1.5; }
@media (max-width: 560px) {
  .plain-english { flex-direction: column; gap: 4px; }
}

/* ---- V2.2: gold accent divider, used under headings in new sections ---- */
.accent-line, .divider {
  width: 64px;
  height: 3px;
  border: none;
  border-radius: 2px;
  background: var(--accent);
  margin: 1.5rem auto;
}
.section-head.align-left .accent-line, .section-head.align-left .divider { margin-left: 0; }

/* ---- V2.2/V2.3: regional lending footprint map ---- */
.lending-map-section { padding: 76px 0; background: var(--cream); }
.lending-map-grid {
  display: grid;
  grid-template-columns: minmax(360px, 620px) 1fr;
  gap: 40px;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
}
.lending-map-visual { display: flex; justify-content: center; position: relative; }
.lending-map-visual svg { width: 100%; max-width: 580px; height: auto; }
.lending-map-legend { display: flex; flex-direction: column; gap: 22px; }
@media (max-width: 980px) and (min-width: 769px) {
  .lending-map-grid { grid-template-columns: 1fr; }
  .lending-map-visual svg { max-width: 480px; }
}

/* V2.3: geographic SVG map — real state paths (courtesy react-usa-map's MIT-
   licensed Albers USA path data), replacing the earlier tile cartogram.
   Non-lending states (tier-0) sit at a muted neutral; the three active
   tiers keep their exact spec'd colors; every state gets a white hairline
   border so borders read clearly at this scale. */
.lending-map-visual svg .us-state { stroke: #ffffff; stroke-width: 1; transition: filter .15s ease; }
.lending-map-visual svg .us-state.tier-0 { fill: #E2E8F0; }
.lending-map-visual svg .us-state.tier-1 { fill: #0F2444; cursor: pointer; }
.lending-map-visual svg .us-state.tier-2 { fill: #2563EB; cursor: pointer; }
.lending-map-visual svg .us-state.tier-3 { fill: #C5A059; cursor: pointer; }
.lending-map-visual svg .us-state-dc { stroke-width: 1.5; }
.lending-map-visual svg .us-state:not(.tier-0):hover,
.lending-map-visual svg .us-state:not(.tier-0).lm-hover { filter: brightness(1.15); }

/* Desktop hover tooltip: state name, eligible loan types, max loan amount */
.lm-tooltip {
  position: absolute;
  z-index: 20;
  pointer-events: none;
  left: 0; top: 0;
  background: var(--navy-dark);
  color: #fff;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 13px;
  line-height: 1.55;
  box-shadow: var(--shadow);
  max-width: 230px;
  transform: translate(-50%, calc(-100% - 14px));
}
.lm-tooltip[hidden] { display: none; }
.lm-tooltip::after {
  content: '';
  position: absolute;
  left: 50%; top: 100%;
  transform: translateX(-50%);
  border: 6px solid transparent;
  border-top-color: var(--navy-dark);
}
.lm-tooltip-state { margin: 0 0 6px; font-weight: 800; font-size: 14px; color: #fff; }
.lm-tooltip-row { margin: 0 0 2px; display: flex; gap: 6px; }
.lm-tooltip-row span:first-child { font-weight: 700; color: var(--accent-light); white-space: nowrap; }
.lm-tooltip-row span:last-child { color: #e7ecf3; }
.lm-hint { margin: 4px 0 0; font-size: 13px; color: var(--muted); font-style: italic; }
@media (max-width: 980px) {
  .lm-tooltip, .lm-hint { display: none; }
}
.lm-tier { display: flex; gap: 14px; align-items: flex-start; }
.lm-swatch { flex: none; width: 18px; height: 18px; border-radius: 5px; margin-top: 3px; }
.lm-tier-body h3 { margin: 0 0 2px; font-size: 18px; color: var(--navy); }
.lm-tier-body .lm-states { margin: 0 0 8px; font-size: 13px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
.lm-tier-body ul { margin: 0; padding: 0; list-style: none; }
.lm-tier-body li { position: relative; padding-left: 16px; font-size: 15px; color: var(--text); line-height: 1.5; margin-bottom: 4px; }
.lm-tier-body li::before { content: ''; position: absolute; left: 0; top: 9px; width: 6px; height: 6px; border-radius: 50%; background: var(--accent); }

/* mobile pill-card fallback: shown under 768px, SVG map hidden */
.lm-mobile { display: none; }
.lending-map-pills { flex-direction: column; gap: 16px; max-width: 560px; margin: 0 auto; }
.lm-pill { background: var(--white); border: 1px solid var(--border); border-left: 5px solid; border-radius: var(--radius); padding: 16px 18px; box-shadow: var(--shadow-sm); }
.lm-pill-badge { display: inline-block; color: #fff; font-size: 11px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; margin-bottom: 8px; }
.lm-pill h3 { margin: 0 0 8px; font-size: 17px; color: var(--navy); }
.lm-pill ul { margin: 0; padding: 0; list-style: none; }
.lm-pill li { position: relative; padding-left: 16px; font-size: 14.5px; color: var(--text); line-height: 1.5; margin-bottom: 4px; }
.lm-pill li::before { content: ''; position: absolute; left: 0; top: 8px; width: 6px; height: 6px; border-radius: 50%; background: var(--accent); }

@media (max-width: 768px) {
  .lm-desktop { display: none; }
  .lm-mobile { display: flex; }
  .lending-map-section { padding: 52px 0; }
}

/* ---- V2.2: homepage audience-fork (Investors vs. Distressed Owners/Heirs) ---- */
.audience-fork { padding: 64px 0 12px; }
.af-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; max-width: 1080px; margin: 0 auto; }
.af-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px 32px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.af-card .af-eyebrow { font-size: 13px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--accent-dark); margin-bottom: 8px; }
.af-card h3 { margin: 0 0 10px; font-size: 22px; color: var(--navy); }
.af-card p { margin: 0 0 18px; font-size: 15.5px; color: var(--muted); line-height: 1.6; }
.af-card .btn { align-self: flex-start; margin-top: auto; }
@media (max-width: 720px) {
  .af-grid { grid-template-columns: 1fr; }
}

/* ---- V2.2: hero micro-trust line under "Get Quick Deal Terms" ---- */
.form-micro-trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
  justify-content: center;
  margin: 10px 0 2px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--muted);
}
.form-micro-trust span { display: inline-flex; align-items: center; gap: 4px; white-space: nowrap; }
.form-micro-trust svg { flex: none; color: var(--accent-dark); }

/* ============================================================
   V2.4 — Executive Leadership, Institutional Capital Strength,
   Map Card Polish (Private Capital Edition)
   ============================================================ */

/* Leadership & Underwriting executive bio card (about.html) */
.leadership-section { padding: 64px 0; }
.leadership-card {
  display: flex;
  gap: 40px;
  align-items: flex-start;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 12px;
  padding: 40px;
  max-width: 900px;
  margin: 0 auto;
}
.leadership-portrait {
  flex: none;
  width: 148px;
  height: 148px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
}
.leadership-initials {
  font-family: 'Roboto Flex', var(--font-sans);
  font-variation-settings: 'wght' 700, 'wdth' 110;
  font-size: 44px;
  letter-spacing: .04em;
  color: var(--accent-light);
}
.leadership-body { flex: 1; min-width: 0; }
.leadership-name { margin: 0 0 2px; font-size: 22px; color: var(--navy); }
.leadership-title { margin: 0 0 14px; font-size: 14.5px; font-weight: 700; color: var(--accent-dark); letter-spacing: .02em; }
.leadership-bio { margin: 0 0 16px; font-size: 15.5px; line-height: 1.65; color: var(--text); }
.leadership-contact { margin: 0; font-size: 14.5px; color: var(--muted); }
.leadership-contact a { color: var(--link); font-weight: 600; }
@media (max-width: 640px) {
  .leadership-card { flex-direction: column; align-items: center; text-align: center; padding: 32px 24px; }
  .leadership-contact { text-align: center; }
}

/* Institutional Capital Strength messaging (about.html + index.html) */
.capital-strength-block { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--border); }
.capital-strength-block h3 { margin: 0 0 10px; font-size: 19px; color: var(--navy); }
.capital-strength-block p { margin: 0; font-size: 15.5px; line-height: 1.65; color: var(--text); }
.capital-strength-section { padding: 56px 0 12px; }
.capital-strength-section .section-head { max-width: 820px; margin: 0 auto 8px; text-align: center; }
.capital-strength-section .section-head p { font-size: 16px; line-height: 1.65; color: var(--text); }

/* Map card container: wraps the SVG map + legend on index.html / loan-programs.html */
.lending-map-card {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 4px 16px -2px rgba(15, 36, 68, 0.04);
  max-width: 1180px;
  margin: 0 auto;
}
.lending-map-card .lending-map-grid { max-width: none; }
@media (max-width: 640px) {
  .lending-map-card { padding: 1.5rem 1.25rem; }
}
/* Gold drop-shadow glow layered onto the existing tooltip/brightness hover */
.lending-map-visual svg .us-state:not(.tier-0):hover,
.lending-map-visual svg .us-state:not(.tier-0).lm-hover {
  filter: brightness(1.15) drop-shadow(0 0 5px rgba(197, 160, 89, 0.65));
}

/* ============================================================
   V2.5 — Appraisal positioning, asset-first underwriting clarity,
   deal spotlight breakdowns, application confidence callout
   ============================================================ */

/* Supporting micro-copy callouts (appraisal positioning, asset-first underwriting) */
.info-callout {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px dashed var(--border);
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.6;
  text-align: left;
}
.info-callout strong { color: var(--navy); }
/* on dark hero background: swap to light-on-dark tokens for contrast */
.hero-copy .info-callout { border-top-color: rgba(255,255,255,.18); color: var(--muted-light); }
.hero-copy .info-callout strong { color: var(--accent-light); }

/* Deal spotlight micro-breakdown (Recently Funded) */
.deal-breakdown { margin: 14px 0 0; padding-top: 14px; border-top: 1px solid var(--border); }
.deal-breakdown-row { display: flex; gap: 8px; font-size: 13.5px; line-height: 1.5; margin-bottom: 6px; }
.deal-breakdown-row:last-child { margin-bottom: 0; }
.deal-breakdown-label { flex: none; font-weight: 800; color: var(--accent-dark); white-space: nowrap; }
.deal-breakdown-value { color: var(--text); }

/* Application pre-submission confidence callout */
.apply-confidence {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius);
  padding: 20px 24px;
  max-width: 720px;
  margin: 0 auto 32px;
  font-size: 15px;
  line-height: 1.6;
  color: var(--text);
  text-align: center;
}
.apply-confidence strong { color: var(--navy); }
.form-legal-links { margin-top: 16px; font-size: 13px; text-align: center; color: var(--muted); }
.form-legal-links a { color: var(--link); font-weight: 600; }
.form-legal-links span { margin: 0 6px; }

/* Standalone legal pages (Privacy Policy / Legal Disclosures) */
.legal-content h2 { margin: 32px 0 10px; font-size: 21px; color: var(--navy); }
.legal-content h2:first-of-type { margin-top: 8px; }
.legal-content p { margin: 0 0 4px; font-size: 15.5px; line-height: 1.65; color: var(--text); }

/* Homepage hero: photo background (matches the program pages' photo headers),
   with a heavier navy overlay so the copy and quote card stay readable. */
.hero.hero-home-photo {
  background:
    linear-gradient(125deg, rgba(8, 22, 39, 0.90) 0%, rgba(12, 30, 54, 0.74) 55%, rgba(6, 16, 30, 0.88) 100%),
    var(--hero-photo) center 55% / cover no-repeat;
}
.hero.hero-home-photo .hero-copy h1,
.hero.hero-home-photo .hero-copy p,
.hero.hero-home-photo .hero-copy .eyebrow,
.hero.hero-home-photo .hero-copy .hero-checklist li,
.hero.hero-home-photo .hero-copy .hero-badge strong,
.hero.hero-home-photo .hero-copy .hero-badge span { text-shadow: 0 2px 14px rgba(4, 12, 24, 0.6); }
@media print { .hero.hero-home-photo { background: none !important; } }