/* ===== Tokens ===== */
/* Identity: deep pine + ledger green on cool paper; marigold reserved for small highlights.
   Type: Bricolage Grotesque (headlines) + Public Sans (body, the U.S. government's typeface). */
:root {
  --paper: #F6F8F7;
  --surface: #FFFFFF;
  --surface-2: #EDF2EF;
  --pine: #0F2E26;
  --pine-2: #16403A;
  --ink: #12261F;
  --ink-2: #4A5A54;
  --line: #DCE4E0;
  --brand: #13734E;
  --brand-strong: #0E5A3D;
  --brand-soft: #D6EEE2;
  --on-brand: #FFFFFF;
  --marigold: #E8A33D;
  --accent: #96580A;
  --accent-soft: #FBF0DE;
  --warn-soft: #FDF4E7;
  --warn-line: #E9C48B;
  --focus: #1D4ED8;
  --shadow: 0 1px 2px rgba(15, 46, 38, .06), 0 10px 28px rgba(15, 46, 38, .08);

  --font-body: 'Public Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-head: 'Bricolage Grotesque', 'Public Sans', system-ui, sans-serif;

  --s1: 4px; --s2: 8px; --s3: 12px; --s4: 16px; --s5: 24px; --s6: 32px; --s7: 48px; --s8: 64px; --s9: 96px;
  --radius: 10px;
  --radius-lg: 18px;
  --wrap: 1180px;
  --measure: 68ch;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

@media (prefers-color-scheme: dark) {
  :root {
    --paper: #0C1714;
    --surface: #13221D;
    --surface-2: #192B25;
    --pine: #081310;
    --pine-2: #0F201B;
    --ink: #E8F0EC;
    --ink-2: #AFC0B8;
    --line: #26392F;
    --brand: #5CC394;
    --brand-strong: #82D6B0;
    --brand-soft: #173329;
    --on-brand: #06130E;
    --marigold: #F0B65C;
    --accent: #F0B65C;
    --accent-soft: #2E2416;
    --warn-soft: #2B2316;
    --warn-line: #6B5228;
    --focus: #8AB4FF;
    --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 10px 28px rgba(0, 0, 0, .3);
  }
}
/* ===== Base ===== */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 400 1.0625rem/1.65 var(--font-body);
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; }
a { color: var(--brand); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--brand-strong); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
main:focus { outline: none; }
h1, h2, h3 { font-family: var(--font-head); font-weight: 650; line-height: 1.12; letter-spacing: -.02em; margin: 0 0 var(--s4); text-wrap: balance; font-optical-sizing: auto; }
h1 { font-size: clamp(2.1rem, 1.3rem + 3vw, 3.5rem); font-weight: 750; letter-spacing: -.035em; line-height: 1.02; }
h2 { font-size: clamp(1.55rem, 1.25rem + 1.1vw, 2.1rem); margin-top: var(--s7); }
h3 { font-size: 1.2rem; margin-top: var(--s6); letter-spacing: -.01em; }
p, ul, ol { margin: 0 0 var(--s4); }
.muted { color: var(--ink-2); }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--s4); }
@media (min-width: 768px) { .wrap { padding: 0 var(--s5); } }
.i { width: 20px; height: 20px; flex: none; }
.i-sm { width: 16px; height: 16px; }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 1000; background: var(--surface); padding: 8px 14px; border-radius: 6px; }
.skip:focus { left: 8px; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s2);
  min-height: 48px; padding: 0 var(--s5); border-radius: 999px; border: 0;
  background: var(--brand); color: var(--on-brand); font: 600 1rem/1 var(--font-body);
  text-decoration: none; cursor: pointer; touch-action: manipulation;
  transition: background-color .15s var(--ease), transform .1s var(--ease);
}
.btn:hover { background: var(--brand-strong); color: var(--on-brand); }
.btn:active { transform: scale(.98); }
.btn-sm { min-height: 40px; padding: 0 var(--s4); font-size: .9375rem; }
.btn-ghost { background: transparent; color: var(--brand); box-shadow: inset 0 0 0 1.5px currentColor; }
.btn-ghost:hover { background: var(--brand-soft); color: var(--brand-strong); }

/* ===== Header ===== */
.topline { background: var(--surface-2); color: var(--ink-2); font-size: .8125rem; border-bottom: 1px solid var(--line); }
.topline .wrap { display: flex; gap: var(--s2); align-items: center; min-height: 36px; padding-top: 6px; padding-bottom: 6px; }
.topline a { color: inherit; }
.site-header { position: sticky; top: 0; z-index: 40; background: color-mix(in srgb, var(--paper) 92%, transparent); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.header-row { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: var(--s4); }
.brand { display: inline-flex; align-items: center; gap: 10px; font: 700 1.25rem/1 var(--font-head); color: var(--ink); text-decoration: none; }
.brand:hover { color: var(--ink); }
.logo-mark { width: 32px; height: 32px; }
.nav-toggle { display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0 12px; background: transparent; color: var(--ink); border: 1px solid var(--line); border-radius: 8px; font: 500 .9375rem var(--font-body); cursor: pointer; }
.site-nav { display: none; }
.site-nav.open { display: block; position: absolute; left: 0; right: 0; top: 100%; background: var(--surface); border-bottom: 1px solid var(--line); box-shadow: var(--shadow); padding: var(--s3) var(--s4) var(--s5); }
.site-nav ul { list-style: none; margin: 0 0 var(--s4); padding: 0; }
.site-nav li a { display: flex; align-items: center; min-height: 48px; color: var(--ink); text-decoration: none; font-weight: 500; border-bottom: 1px solid var(--line); }
.site-nav a[aria-current="page"] { color: var(--brand); }
@media (min-width: 1024px) {
  .nav-toggle { display: none; }
  .site-nav, .site-nav.open { display: flex; align-items: center; gap: var(--s5); position: static; background: none; border: 0; box-shadow: none; padding: 0; }
  .site-nav ul { display: flex; gap: var(--s5); margin: 0; }
  .site-nav li a { min-height: 44px; border: 0; font-size: .9375rem; color: var(--ink-2); }
  .site-nav li a:hover, .site-nav a[aria-current="page"] { color: var(--brand); }
}

/* ===== Homepage hero ===== */
.hero { padding: var(--s6) 0 var(--s7); background:
  radial-gradient(900px 400px at 85% -10%, var(--brand-soft), transparent 70%), var(--paper); }
/* Mobile order: intro → form → points. Desktop: copy left, form right. */
.hero-grid { display: grid; gap: var(--s5); align-items: start; }
.hero-points .ticks { margin-top: 0; }
.hero-grid .apply-card { order: 1; }
.hero-grid .hero-points { order: 2; }
@media (min-width: 960px) {
  .hero-grid { grid-template-columns: 1.05fr .95fr; grid-template-rows: auto 1fr; column-gap: var(--s7); row-gap: 0; padding-top: var(--s5); }
  .hero-intro { grid-column: 1; grid-row: 1; }
  .hero-points { grid-column: 1; grid-row: 2; }
  .hero-points .ticks { margin-top: var(--s5); }
  .apply-card { grid-column: 2; grid-row: 1 / span 2; }
}
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font: 600 .9375rem/1.3 var(--font-body); color: var(--brand); margin-bottom: var(--s4); }
.lede { font-size: 1.1875rem; color: var(--ink-2); max-width: 54ch; }
.ticks { list-style: none; padding: 0; margin: var(--s5) 0; display: grid; gap: var(--s3); }
.ticks li { display: flex; gap: var(--s3); align-items: flex-start; }
.ticks .i { color: var(--brand); margin-top: 3px; }
.trust-row { display: flex; flex-wrap: wrap; gap: var(--s3) var(--s5); color: var(--ink-2); font-size: .9375rem; }
.trust-row span { display: inline-flex; align-items: center; gap: 8px; }

/* Form slot: fixed space reserved for the affiliate JS form */
.apply-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: var(--s5); scroll-margin-top: 96px; }
@media (min-width: 768px) { .apply-card { padding: var(--s6); } }
.apply-card h2 { margin-top: 0; font-size: 1.5rem; }
.apply-card .apply-sub { color: var(--ink-2); font-size: .9375rem; margin-bottom: var(--s5); }
.form-slot { min-height: var(--form-h, 560px); position: relative; }
.form-slot.is-empty { display: grid; place-items: center; text-align: center; border: 2px dashed var(--line); border-radius: var(--radius); background: var(--surface-2); color: var(--ink-2); padding: var(--s5); }
.form-slot.is-empty strong { display: block; color: var(--ink); font-size: 1.0625rem; margin-bottom: 6px; }
.apply-foot { display: flex; gap: var(--s2); align-items: flex-start; font-size: .8125rem; color: var(--ink-2); margin: var(--s4) 0 0; }
.apply-foot .i { margin-top: 2px; }

/* ===== Sections ===== */
.section { padding: var(--s8) 0; }
.section-alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 720px; margin-bottom: var(--s6); }
.section-head h2 { margin-top: 0; }
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--s5); counter-reset: step; }
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.steps li { counter-increment: step; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--s5); }
.steps li::before { content: counter(step); display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--brand); color: var(--on-brand); font-weight: 700; margin-bottom: var(--s4); }
.steps h3 { margin-top: 0; font-size: 1.125rem; }
.steps p { margin: 0; color: var(--ink-2); }

.cards { display: grid; gap: var(--s4); }
@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .cards-3 { grid-template-columns: repeat(3, 1fr); } }
.card { display: flex; flex-direction: column; gap: var(--s2); background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--s5); text-decoration: none; color: var(--ink); transition: border-color .15s var(--ease), box-shadow .15s var(--ease); }
a.card:hover { border-color: var(--brand); box-shadow: var(--shadow); color: var(--ink); }
.card .kicker { font-size: .875rem; font-weight: 600; color: var(--brand); }
.card h3 { margin: 0; font-size: 1.1875rem; }
.card p { margin: 0; color: var(--ink-2); font-size: .9375rem; }
.card .more { margin-top: auto; padding-top: var(--s2); display: inline-flex; align-items: center; gap: 6px; color: var(--brand); font-weight: 600; font-size: .9375rem; }

.split { display: grid; gap: var(--s6); }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; align-items: start; } }

.link-grid { list-style: none; padding: 0; margin: 0; display: grid; gap: 0 var(--s5); }
@media (min-width: 640px) { .link-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .link-grid { grid-template-columns: repeat(3, 1fr); } }
.link-grid a { display: flex; align-items: center; min-height: 44px; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); }
.link-grid a:hover { color: var(--brand); }

/* State index */
.state-group + .state-group { margin-top: var(--s7); }
.state-group h2 { margin: 0 0 var(--s2); display: flex; align-items: center; gap: var(--s3); }
.state-group .count { font: 600 .875rem/1 var(--font-body); padding: 6px 10px; border-radius: 999px; background: var(--surface-2); color: var(--ink-2); }
.state-grid { list-style: none; padding: 0; margin: var(--s4) 0 0; display: grid; gap: var(--s2); grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); }
.state-grid a { display: grid; grid-template-columns: auto 1fr; grid-template-rows: auto auto; column-gap: var(--s3); align-items: center; min-height: 56px; padding: 10px 12px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); color: var(--ink); text-decoration: none; transition: border-color .15s var(--ease), transform .15s var(--ease); }
.state-grid a:hover { border-color: var(--brand); transform: translateY(-1px); }
.st-code { grid-row: 1 / span 2; display: grid; place-items: center; width: 38px; height: 38px; border-radius: 8px; font: 700 .8125rem/1 var(--font-body); background: var(--brand-soft); color: var(--brand); }
.state-capped .st-code, .state-banned .st-code { background: var(--surface-2); color: var(--ink-2); }
.state-reformed .st-code { background: var(--accent-soft); color: var(--accent); }
.st-name { font-weight: 600; font-size: .9375rem; }
.st-apr { font-size: .75rem; color: var(--ink-2); }
.az { display: flex; flex-wrap: wrap; gap: 6px; margin-top: var(--s4); }
.az a { display: grid; place-items: center; min-width: 36px; height: 36px; border: 1px solid var(--line); border-radius: 8px; background: var(--surface); font-weight: 600; text-decoration: none; color: var(--ink); }
.az a:hover { border-color: var(--brand); color: var(--brand); }
.az-group { scroll-margin-top: 96px; }
.az-group + .az-group { margin-top: var(--s5); }
.az-group h2 { font-size: 1.25rem; margin: 0 0 var(--s2); }
.sitemap-list section + section { margin-top: var(--s6); }
.sitemap-list h2 { font-size: 1.375rem; margin: 0 0 var(--s3); }
.sitemap-list h2 a { color: var(--ink); text-decoration: none; }

/* ===== Tables ===== */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); margin: var(--s5) 0; }
table { width: 100%; border-collapse: collapse; font-size: .9375rem; font-variant-numeric: tabular-nums; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--surface-2); font-weight: 600; }
tr:last-child td { border-bottom: 0; }
caption { text-align: left; padding: 12px 14px; font-weight: 600; caption-side: top; }

/* ===== Callouts ===== */
.callout { display: flex; gap: var(--s3); padding: var(--s4) var(--s5); border-radius: var(--radius); border: 1px solid var(--line); background: var(--surface); margin: var(--s5) 0; }
.callout > .i { margin-top: 3px; color: var(--brand); }
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }
.callout-warn { background: var(--warn-soft); border-color: var(--warn-line); }
.callout-warn > .i { color: var(--accent); }
.callout-key { background: var(--brand-soft); border-color: transparent; }
.callout strong.title { display: block; margin-bottom: 4px; }

/* ===== FAQ ===== */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: var(--s4); min-height: 56px; padding: var(--s3) 0; font-weight: 600; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font: 400 1.5rem/1 var(--font-body); color: var(--brand); transition: transform .2s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > div { padding: 0 0 var(--s4); color: var(--ink-2); }

/* ===== Article ===== */
.article-head { padding: var(--s6) 0 var(--s5); border-bottom: 1px solid var(--line); background: var(--surface); }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 0 var(--s4); font-size: .875rem; color: var(--ink-2); }
.crumbs li + li::before { content: '/'; margin-right: 6px; color: var(--line); }
.crumbs a { color: var(--ink-2); }
.article-head h1 { max-width: 22ch; }
.article-head .lede { max-width: 62ch; }
.byline { display: flex; flex-wrap: wrap; gap: var(--s2) var(--s5); font-size: .875rem; color: var(--ink-2); margin: var(--s4) 0 0; }
.byline span { display: inline-flex; align-items: center; gap: 6px; }
.article-grid { display: grid; gap: var(--s6); padding: var(--s6) 0 var(--s8); }
@media (min-width: 1024px) { .article-grid { grid-template-columns: minmax(0, 1fr) 280px; gap: var(--s8); } }
.prose { max-width: var(--measure); }
.prose h2 { scroll-margin-top: 96px; }
.prose ul, .prose ol { padding-left: 1.25em; }
.prose li { margin-bottom: var(--s2); }
.prose li::marker { color: var(--brand); }
.toc { position: sticky; top: 96px; align-self: start; font-size: .9375rem; }
.toc h2 { font: 600 .9375rem/1.3 var(--font-body); color: var(--ink); margin: 0 0 var(--s3); }
.toc ol { list-style: none; padding: 0; margin: 0 0 var(--s5); border-left: 2px solid var(--line); }
.toc a { display: block; padding: 6px 0 6px var(--s4); margin-left: -2px; border-left: 2px solid transparent; color: var(--ink-2); text-decoration: none; }
.toc a:hover { color: var(--brand); border-left-color: var(--brand); }
@media (max-width: 1023px) { .toc { display: none; } }
.side-cta { background: var(--brand-soft); border-radius: var(--radius); padding: var(--s5); }
.toc .side-cta .btn { display: inline-flex; color: var(--on-brand); padding: 0 var(--s4); margin: 0; border-left: 0; }
.toc .side-cta .btn:hover { color: var(--on-brand); border-left: 0; }
.side-cta p { font-size: .9375rem; color: var(--ink-2); }
.sources { font-size: .875rem; color: var(--ink-2); }
.sources ol { padding-left: 1.25em; }
.related { margin-top: var(--s7); }
.cta-band { display: grid; gap: var(--s4); align-items: center; background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--brand); border-radius: var(--radius); padding: var(--s5); margin: var(--s6) 0; }
@media (min-width: 640px) { .cta-band { grid-template-columns: 1fr auto; } }
.cta-band p { margin: 0; color: var(--ink-2); }
.cta-band strong { display: block; color: var(--ink); font-size: 1.0625rem; margin-bottom: 4px; }

/* ===== Calculator ===== */
.calc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--s5); margin: var(--s5) 0; }
.calc-grid { display: grid; gap: var(--s4); }
@media (min-width: 640px) { .calc-grid { grid-template-columns: repeat(3, 1fr); } }
.field label { display: block; font-weight: 600; font-size: .9375rem; margin-bottom: 6px; }
.field input { width: 100%; min-height: 48px; padding: 0 12px; font: 400 1rem var(--font-body); color: var(--ink); background: var(--paper); border: 1.5px solid var(--line); border-radius: 8px; }
.field input:focus-visible { border-color: var(--focus); }
.field .hint { font-size: .8125rem; color: var(--ink-2); margin-top: 4px; }
.calc-out { margin-top: var(--s5); padding-top: var(--s4); border-top: 1px solid var(--line); display: grid; gap: var(--s3); }
@media (min-width: 640px) { .calc-out { grid-template-columns: repeat(3, 1fr); } }
.calc-out div { font-size: .875rem; color: var(--ink-2); }
.calc-out output { display: block; font: 700 1.5rem/1.2 var(--font-head); color: var(--ink); font-variant-numeric: tabular-nums; }

/* ===== Hub ===== */
.hub-head { padding: var(--s7) 0 var(--s6); background: var(--surface); border-bottom: 1px solid var(--line); }
.hub-head .lede { max-width: 62ch; }

/* ===== Footer ===== */
.site-footer { background: var(--surface); border-top: 1px solid var(--line); padding: var(--s7) 0 var(--s6); font-size: .9375rem; }
.footer-grid { display: grid; gap: var(--s5); }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-h { font: 650 1rem/1.3 var(--font-head); color: var(--ink); margin: 0 0 var(--s3); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li a { display: inline-flex; min-height: 32px; align-items: center; color: var(--ink); text-decoration: none; }
.site-footer li a:hover { color: var(--brand); text-decoration: underline; }
.footer-legal { margin-top: var(--s6); padding-top: var(--s5); border-top: 1px solid var(--line); font-size: .8125rem; color: var(--ink-2); }

/* ===== Polish layer (v3) ===== */
.btn-lg { min-height: 56px; padding: 0 var(--s6); font-size: 1.0625rem; }
.btn { box-shadow: 0 1px 0 rgba(255,255,255,.15) inset, 0 6px 16px -6px color-mix(in srgb, var(--brand) 60%, transparent); }
.btn-ghost { box-shadow: inset 0 0 0 1.5px currentColor; }

/* Hero texture */
.hero { position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(color-mix(in srgb, var(--brand) 14%, transparent) 1px, transparent 1px);
  background-size: 22px 22px; mask-image: linear-gradient(180deg, rgba(0,0,0,.55), transparent 70%); }
.hero > .wrap { position: relative; z-index: 1; }
/* Illustrated background: town skyline, hills, payday calendar and coins */
/* Landscape band along the bottom of the hero (never behind the headline) */
.hero { padding-bottom: clamp(120px, 14vw, 230px); }
.hero::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: clamp(150px, 20vw, 300px); pointer-events: none; z-index: 0;
  background: url('/assets/hero-bg.svg') center bottom / cover no-repeat; }
.hero::before { z-index: 0; }
@media (max-width: 640px) { .hero::after { height: 140px; background-position: 3% bottom; } .hero { padding-bottom: 110px; } }
@media (prefers-color-scheme: dark) { .hero::after { opacity: .22; } }
.hero h1 { letter-spacing: -.02em; }
.apply-card { border-top: 4px solid var(--brand); }

/* Trust strip */
.trust-strip { background: var(--ink); color: #EEF2EF; padding: var(--s5) 0; }
.trust-grid { display: grid; gap: var(--s4); }
@media (min-width: 640px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .trust-grid { grid-template-columns: repeat(4, 1fr); } }
.trust-grid > div { display: flex; gap: var(--s3); align-items: flex-start; }
.trust-grid .i { color: #7FD3AE; width: 24px; height: 24px; margin-top: 2px; }
.trust-grid p { margin: 0; }
.trust-grid strong { display: block; font-size: 1rem; }
.trust-grid span { font-size: .875rem; color: #B9C6BF; }
@media (prefers-color-scheme: dark) { .trust-strip { background: #0B100D; } }

/* Cards */
.card { position: relative; transition: border-color .15s var(--ease), box-shadow .2s var(--ease), transform .2s var(--ease); }
a.card:hover { transform: translateY(-2px); }
.card-top { display: flex; align-items: center; gap: var(--s2); }
.card-icon { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px; background: var(--brand-soft); color: var(--brand); }
.card-icon .i { width: 18px; height: 18px; }
.card-foot { margin-top: auto; padding-top: var(--s3); display: flex; justify-content: space-between; align-items: center; gap: var(--s3); }
.card-foot .more { padding-top: 0; }
.mins { font-size: .8125rem; color: var(--ink-2); }

/* Mega menu (desktop only) */
.mega { display: none; }
@media (min-width: 1024px) {
  .has-mega { position: relative; }
  .mega { position: absolute; top: 100%; left: -20px; z-index: 50; width: 360px; padding: var(--s4); background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 18px 40px -12px rgba(21,32,27,.25); }
  .has-mega:hover .mega, .has-mega:focus-within .mega { display: block; }
  .site-nav ul .mega ul { display: block; margin: 0 0 var(--s3); }
  .mega li a { display: block; min-height: 0; padding: 8px 10px; border-radius: 8px; color: var(--ink); font-size: .9375rem; line-height: 1.35; }
  .mega li a:hover { background: var(--brand-soft); color: var(--brand-strong); }
  .mega-all { display: block; padding: 8px 10px; font-weight: 600; font-size: .875rem; text-decoration: none; border-top: 1px solid var(--line); }
  .site-nav ul > li:nth-last-child(-n+2) .mega { left: auto; right: -20px; }
}

/* Reading progress */
.progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 60; pointer-events: none; }
.progress span { display: block; height: 100%; background: var(--brand); transform-origin: 0 50%; transform: scaleX(0); }

/* Inline loan form slot */
.inline-apply { margin: var(--s6) 0; padding: var(--s5); border-radius: var(--radius-lg); background: linear-gradient(135deg, var(--brand-soft), var(--surface)); border: 1px solid color-mix(in srgb, var(--brand) 25%, var(--line)); }
.inline-apply-h { font: 700 1.375rem/1.25 var(--font-head); margin: 0 0 var(--s3); color: var(--ink); }
.inline-apply-card { display: grid; gap: var(--s5); align-items: center; }
@media (min-width: 720px) { .inline-apply-card { grid-template-columns: 1fr auto; } }
.inline-apply-action { display: flex; flex-direction: column; align-items: center; gap: 6px; font-size: .8125rem; color: var(--ink-2); }
.ticks-tight { margin: 0; gap: var(--s2); }
.ticks-tight li { font-size: .9375rem; }
.form-slot-inline { min-height: var(--form-h, 420px); }
.inline-apply .apply-foot { margin-top: var(--s4); }
.hub-apply { margin-bottom: var(--s6); }
.hub-apply .inline-apply { margin-top: 0; }

/* Author box */
.author-box { display: flex; gap: var(--s4); margin: var(--s7) 0 0; padding: var(--s5); border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); font-size: .9375rem; }
.author-box p { margin: 0 0 4px; color: var(--ink-2); }
.author-box strong { color: var(--ink); }
.author-mark { display: grid; place-items: center; flex: none; width: 48px; height: 48px; border-radius: 50%; background: var(--brand); color: var(--on-brand); }

/* Article head polish */
.article-head { background: linear-gradient(180deg, var(--surface), var(--paper)); }
.article-head .eyebrow { margin-bottom: var(--s3); }
tbody tr:nth-child(even) td, tbody tr:nth-child(even) th[scope="row"] { background: color-mix(in srgb, var(--surface-2) 45%, transparent); }

/* Sticky mobile CTA */
.mobile-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; padding: 10px var(--s4) calc(10px + env(safe-area-inset-bottom)); background: color-mix(in srgb, var(--surface) 94%, transparent); backdrop-filter: blur(8px); border-top: 1px solid var(--line); }
.mobile-cta .btn { width: 100%; }
body.has-mobile-cta { padding-bottom: 76px; }
@media (min-width: 1024px) { .mobile-cta { display: none; } body.has-mobile-cta { padding-bottom: 0; } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}
/* ===== Photo hero (homepage) ===== */
.hero.hero-photo { --band: 500px; background: var(--paper); padding: 0 0 var(--s8); overflow: hidden; }
.hero.hero-photo::before, .hero.hero-photo::after { content: none; }
.hero-media { position: absolute; left: 0; right: 0; top: 0; height: var(--band); margin: 0; background: var(--pine); overflow: hidden; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: 12% 18%; transform: scaleX(-1); display: block; }
.hero-media::after { content: ''; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(15, 46, 38, .97) 0%, rgba(15, 46, 38, .9) 34%, rgba(15, 46, 38, .45) 62%, rgba(15, 46, 38, .08) 100%),
              linear-gradient(0deg, rgba(15, 46, 38, .35), rgba(15, 46, 38, 0) 30%); }
.hero-photo .hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s5); padding-top: var(--s6); }
.hero-photo .hero-intro { color: #EEF5F1; }
.hero-photo .hero-intro h1 { color: #FFFFFF; max-width: 15ch; }
.hero-photo .hero-intro .lede { color: #CFE2D8; max-width: 44ch; font-size: 1.1875rem; }
.hero-photo .hero-points .ticks .i { color: var(--brand); }
.hero-photo .trust-row { color: var(--ink-2); }
.hero-photo .apply-card { border-top: 0; box-shadow: 0 24px 60px -24px rgba(15, 46, 38, .45), 0 2px 6px rgba(15, 46, 38, .08); }

@media (min-width: 960px) {
  .hero-photo .hero-grid { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); grid-template-rows: auto auto; column-gap: 64px; row-gap: 0; padding-top: 88px; }
  .hero-photo .hero-intro { grid-column: 1; grid-row: 1; min-height: calc(var(--band) - 88px - 150px); }
  .hero-photo .apply-card { grid-column: 1; grid-row: 2; }
  .hero-photo .hero-points { grid-column: 2; grid-row: 2; padding-top: 182px; }
  .hero-photo .hero-points .ticks { margin-top: 0; }
}
@media (max-width: 959px) {
  .hero.hero-photo { --band: 240px; }
  .hero-media::after { background: linear-gradient(0deg, rgba(15, 46, 38, .55), rgba(15, 46, 38, 0) 55%); }
  .hero-media img { object-position: 8% 40%; }
  .hero-photo .hero-grid { padding-top: calc(var(--band) + var(--s5)); }
  .hero-photo .hero-intro, .hero-photo .hero-intro h1 { color: var(--ink); }
  .hero-photo .hero-intro .lede { color: var(--ink-2); }
}
@media (prefers-color-scheme: dark) {
  @media (max-width: 959px) { .hero-photo .hero-intro h1 { color: var(--ink); } }
}

/* Photo hero v2: photo in its own right-hand panel (close to its natural 3:2 shape) instead of a full-bleed strip */
@media (min-width: 960px) {
  .hero.hero-photo { --band: 600px; background: linear-gradient(var(--pine), var(--pine)) top / 100% var(--band) no-repeat, var(--paper); }
  .hero-photo .hero-media { left: auto; right: 0; width: 47vw; max-width: 1000px; height: var(--band); background: var(--pine-2); }
  .hero-photo .hero-media img { object-position: 8% 32%; filter: brightness(1.14) contrast(1.04) saturate(1.06); }
  .hero-photo .hero-media::after { background: linear-gradient(90deg, var(--pine) 0%, rgba(15, 46, 38, .55) 14%, rgba(15, 46, 38, 0) 38%), linear-gradient(0deg, rgba(15, 46, 38, .28), rgba(15, 46, 38, 0) 26%); }
  .hero-photo .hero-intro { min-height: calc(var(--band) - 88px - 170px); max-width: 560px; }
  .hero-photo .hero-points { padding-top: calc(170px + 40px); }
}
@media (min-width: 1500px) { .hero-photo .hero-media { width: 50vw; } }

/* ===== Pine page headers (all pages) ===== */
.article-head, .hub-head { position: relative; overflow: hidden; background: var(--pine); color: #E6F0EB; border-bottom: 0; }
.article-head h1, .hub-head h1 { color: #FFFFFF; }
.article-head .lede, .hub-head .lede { color: #C6DCD1; }
.article-head .lede a, .hub-head .lede a { color: #9FE0C2; }
.article-head .crumbs ol, .hub-head .crumbs ol { color: #A9C4B8; }
.article-head .crumbs a, .hub-head .crumbs a { color: #CFE2D8; }
.article-head .crumbs li + li::before, .hub-head .crumbs li + li::before { color: #4C6D62; }
.article-head .eyebrow, .hub-head .eyebrow { color: #8FD8B5; }
.article-head .byline { color: #A9C4B8; }
.article-head .byline a { color: #DDEDE5; }
.hub-head .btn { background: #FFFFFF; color: var(--pine); }
.hub-head .az a { background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .16); color: #FFFFFF; }
.hub-head .az a:hover { background: rgba(255, 255, 255, .14); color: #FFFFFF; }
.article-head { padding: var(--s7) 0 var(--s6); }
.article-head::after, .hub-head::after { content: ''; position: absolute; right: -120px; top: -160px; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(92, 195, 148, .16), rgba(92, 195, 148, 0) 70%); pointer-events: none; }
.hub-head .wrap, .article-head .wrap { position: relative; z-index: 1; }
.photo-credit { font-size: .75rem; color: #87A79A; margin: var(--s4) 0 0; }
.photo-credit a { color: inherit; }

/* Section pages: photo panel on the right */
.page-media { display: none; margin: 0; }
@media (min-width: 960px) {
  .hub-head.has-media { min-height: 380px; display: flex; align-items: center; padding: var(--s7) 0; }
  .hub-head.has-media .wrap { width: 100%; }
  .hub-head.has-media .hub-copy { max-width: 52%; }
  .page-media { display: block; position: absolute; top: 0; right: 0; bottom: 0; width: 44vw; max-width: 900px; z-index: 0; }
  .page-media img { width: 100%; height: 100%; object-fit: cover; display: block; filter: saturate(1.05); }
  .page-media::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, var(--pine) 0%, rgba(15, 46, 38, .6) 18%, rgba(15, 46, 38, .05) 55%); }
  .hub-head.has-media::after { display: none; }
}

/* Header: room for Home + six sections */
@media (min-width: 1024px) and (max-width: 1239px) {
  .site-nav, .site-nav.open { gap: var(--s4); }
  .site-nav ul { gap: var(--s4); }
  .site-nav li a { font-size: .875rem; }
}

/* ===== Pine footer ===== */
.site-footer { background: var(--pine); color: #C6DCD1; border-top: 0; }
.site-footer .footer-h { color: #FFFFFF; }
.site-footer li a { color: #DDEDE5; }
.site-footer li a:hover { color: #FFFFFF; }
.site-footer .muted { color: #A9C4B8; }
.site-footer .brand, .site-footer .brand:hover { color: #FFFFFF; }
.footer-legal { border-top-color: rgba(255, 255, 255, .12); color: #9AB6A9; }
.footer-legal a { color: #DDEDE5; }
@media (prefers-color-scheme: dark) { .site-footer, .article-head, .hub-head { background: var(--pine); } }