:root{
  /* palette derived from the GoodHands Finance logo */
  --ink:#12290A;          /* deep forest, from the ring green darkened */
  --ink-soft:#1D4212;
  --paper:#F6F5EF;
  --mist:#E4EBD8;
  --green:#338000;        /* logo ring green */
  --lime:#C0FF72;         /* logo inner disc */
  --brass:#C98307;        /* logo star gold, for light backgrounds */
  --brass-lit:#F5BB2B;    /* logo star gold, for dark backgrounds */
  --brick:#BA0703;        /* logo wordmark red */
  --rule:rgba(18,41,10,.14);
  --rule-dark:rgba(246,245,239,.16);
  --display:"Fraunces",Georgia,serif;
  --body:"Karla",system-ui,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,monospace;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--body);font-size:17px;line-height:1.65;font-weight:400;
  -webkit-font-smoothing:antialiased;
}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.08;letter-spacing:-.015em;margin:0}
p{margin:0}
.wrap{width:min(1140px,90vw);margin:0 auto}
.eyebrow{
  font-family:var(--mono);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;
  font-weight:500;color:var(--brass);margin:0 0 18px;
}
.eyebrow--dark{color:var(--ink);opacity:.55}

/* ---------- nav ---------- */
.nav{
  position:sticky;top:0;z-index:60;background:var(--ink);
  border-bottom:1px solid var(--rule-dark);
}
.nav__inner{display:flex;align-items:center;gap:28px;height:72px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--paper);margin-right:auto}
.logo__mark{width:40px;height:40px;flex:none;border-radius:50%}
.logo__text{font-family:var(--display);font-size:1.16rem;letter-spacing:-.02em}
.logo__text b{font-weight:600}
.logo__text span{font-weight:400;opacity:.72}
.nav__links{display:flex;gap:24px;list-style:none;margin:0;padding:0}
.nav__links a{
  text-decoration:none;color:var(--paper);font-size:.93rem;opacity:.8;
  padding-bottom:3px;border-bottom:1px solid transparent;transition:.2s;
}
.nav__links a:hover{opacity:1;border-color:var(--brass)}
.btn{
  display:inline-block;font-family:var(--body);font-size:.92rem;font-weight:600;
  padding:13px 24px;border-radius:2px;text-decoration:none;border:1px solid transparent;
  cursor:pointer;transition:.2s;letter-spacing:.01em;
}
.btn--brass{background:var(--brass-lit);color:#2A1B00}
.btn--brass:hover{background:#FFD05C}
.btn--ghost{border-color:rgba(241,240,235,.4);color:var(--paper)}
.btn--ghost:hover{border-color:var(--paper);background:rgba(241,240,235,.07)}
.btn--ink{background:var(--ink);color:var(--paper)}
.btn--ink:hover{background:var(--ink-soft)}
.nav__toggle{
  display:none;background:none;border:1px solid var(--rule-dark);border-radius:2px;
  width:42px;height:38px;cursor:pointer;padding:0;
}
.nav__toggle i{display:block;width:18px;height:1.5px;background:var(--paper);margin:4px auto;transition:.25s}
.nav.open .nav__toggle i:nth-child(1){transform:translateY(5.5px) rotate(45deg)}
.nav.open .nav__toggle i:nth-child(2){opacity:0}
.nav.open .nav__toggle i:nth-child(3){transform:translateY(-5.5px) rotate(-45deg)}

/* ---------- hero ---------- */
.hero{background:var(--ink);color:var(--paper);overflow:hidden;position:relative}
.hero__grid{
  display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
  padding:92px 0 84px;
}
.hero h1{
  font-size:clamp(2.6rem,5.6vw,4.35rem);letter-spacing:-.03em;
}
.hero h1 em{font-style:italic;font-weight:400;color:var(--lime)}
.hero__sub{
  margin-top:26px;max-width:46ch;font-size:1.07rem;color:rgba(241,240,235,.78);font-weight:300;
}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.stats{
  display:flex;flex-wrap:wrap;gap:0;margin-top:56px;border-top:1px solid var(--rule-dark);
}
.stat{padding:22px 34px 0 0;margin-right:34px;border-right:1px solid var(--rule-dark)}
.stat:last-child{border-right:0;margin-right:0;padding-right:0}
.stat b{
  display:block;font-family:var(--display);font-size:1.85rem;font-weight:500;letter-spacing:-.02em;
}
.stat span{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;opacity:.6}

/* ---------- signature: the living logo ---------- */
.logo-stage{
  position:relative;width:min(440px,78vw);aspect-ratio:1;
  margin-left:auto;display:grid;place-items:center;
}
.logo-stage__halo{
  position:absolute;inset:-10%;border-radius:50%;
  background:radial-gradient(circle,rgba(192,255,114,.24) 0%,rgba(192,255,114,0) 66%);
  animation:breathe 8s ease-in-out infinite;
}
.ring{
  position:absolute;inset:0;border-radius:50%;
  border:1px solid rgba(192,255,114,.5);opacity:0;
  animation:growring 6s cubic-bezier(.22,.6,.3,1) infinite;
}
.ring+.ring{animation-delay:2s}
.ring+.ring+.ring{animation-delay:4s}

/* the badge is assembled from four layers so the hands and seedling can move */
.badge{
  position:relative;width:100%;aspect-ratio:1;
  filter:drop-shadow(0 20px 44px rgba(0,0,0,.42));
  animation:badgeIn 1s cubic-bezier(.2,.9,.3,1.1) both;
  transition:transform .5s cubic-bezier(.2,.7,.3,1);
}
.logo-stage:hover .badge{transform:scale(1.035)}
.lyr{position:absolute;display:block;height:auto}
.lyr--base{inset:0;width:100%}
.lyr--handL{left:19.89%;top:37.017%;width:30.663%;animation:handInL .95s cubic-bezier(.16,.86,.3,1) .5s both}
.lyr--handR{left:49.448%;top:37.293%;width:30.663%;animation:handInR .95s cubic-bezier(.16,.86,.3,1) .5s both}
.lyr--plant{
  left:34.53%;top:21.823%;width:30.939%;transform-origin:50% 100%;
  animation:sprout 1.05s cubic-bezier(.2,.85,.28,1.06) 1.25s both,
            sway 7s ease-in-out 2.45s infinite;
}
.spark{
  position:absolute;width:30px;height:30px;margin:-15px 0 0 -15px;
  background:var(--brass-lit);opacity:0;pointer-events:none;
  clip-path:polygon(50% 0,58% 42%,100% 50%,58% 58%,50% 100%,42% 58%,0 50%,42% 42%);
  animation:twinkle 5.4s ease-in-out infinite;
}
.spark--top{top:8%;left:50%;animation-delay:2.6s}
.spark--left{top:61%;left:12%;animation-delay:4.1s}
.spark--right{top:61%;left:88%;animation-delay:5.4s}

@keyframes badgeIn{
  0%{opacity:0;transform:scale(.86) rotate(-5deg)}
  100%{opacity:1;transform:none}
}
@keyframes handInL{
  0%{opacity:0;transform:translate(-52%,16%) rotate(-11deg)}
  100%{opacity:1;transform:none}
}
@keyframes handInR{
  0%{opacity:0;transform:translate(52%,16%) rotate(11deg)}
  100%{opacity:1;transform:none}
}
@keyframes sprout{
  0%{opacity:0;transform:scale(.18) translateY(12%)}
  40%{opacity:1}
  100%{opacity:1;transform:none}
}
@keyframes sway{
  0%,100%{transform:rotate(0)}
  32%{transform:rotate(1.5deg)}
  68%{transform:rotate(-1.5deg)}
}
@keyframes growring{
  0%{transform:scale(.99);opacity:0}
  14%{opacity:.6}
  100%{transform:scale(1.44);opacity:0}
}
@keyframes twinkle{
  0%,66%{opacity:0;transform:scale(.35) rotate(0)}
  76%{opacity:1;transform:scale(1) rotate(22deg)}
  86%{opacity:.15;transform:scale(.55) rotate(38deg)}
  100%{opacity:0;transform:scale(.35) rotate(45deg)}
}
@keyframes breathe{
  0%,100%{transform:scale(1);opacity:.85}
  50%{transform:scale(1.07);opacity:1}
}
@media (prefers-reduced-motion:reduce){
  .badge,.lyr,.logo-stage__halo,.ring,.spark{animation:none}
  .lyr,.badge{opacity:1;transform:none}
  .spark{opacity:.9}
  .ring{opacity:.25}
}

/* ---------- sections ---------- */
.section{padding:104px 0}
.section--mist{background:var(--mist)}
.section--ink{background:var(--ink);color:var(--paper)}
.section__head{max-width:60ch;margin-bottom:52px}
.section__head h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}
.section__head p{margin-top:16px;opacity:.75;font-size:1.04rem;font-weight:300}

/* services */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--rule)}
.card{background:var(--paper);padding:38px 32px 34px;transition:.25s}
.card:hover{background:#FBFAF6}
.card__icon{stroke:var(--brass);fill:none;stroke-width:1.6;width:30px;height:30px;margin-bottom:22px}
.card h3{font-size:1.24rem;margin-bottom:11px}
.card p{font-size:.96rem;opacity:.76;font-weight:300}

/* why */
.why{display:grid;grid-template-columns:repeat(2,1fr);gap:2px 60px}
.why__item{padding:28px 0;border-top:1px solid var(--rule)}
.why__item h3{font-size:1.18rem;margin-bottom:9px}
.why__item p{font-size:.97rem;opacity:.76;font-weight:300;max-width:44ch}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:36px}
.step{border-top:1px solid var(--rule-dark);padding-top:22px}
.step__n{font-family:var(--mono);font-size:.72rem;letter-spacing:.16em;color:var(--brass);display:block;margin-bottom:16px}
.step h3{font-size:1.2rem;margin-bottom:10px}
.step p{font-size:.95rem;opacity:.72;font-weight:300}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.quote{background:var(--paper);border:1px solid var(--rule);padding:34px 30px;display:flex;flex-direction:column}
.quote p{font-family:var(--display);font-size:1.1rem;line-height:1.5;letter-spacing:-.01em}
.quote footer{margin-top:auto;padding-top:24px;font-size:.86rem}
.quote footer b{display:block;font-weight:600}
.quote footer span{opacity:.68}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.field{margin-bottom:20px}
.field label{
  display:block;font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;
  text-transform:uppercase;margin-bottom:8px;opacity:.68;
}
.field input,.field select,.field textarea{
  width:100%;font-family:var(--body);font-size:1rem;color:var(--ink);
  background:var(--paper);border:1px solid var(--rule);border-radius:2px;
  padding:13px 14px;transition:.2s;
}
.field textarea{resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(190,138,61,.16);
}
.details dt{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;opacity:.68;margin-bottom:6px}
.details dd{margin:0 0 24px;font-size:1.02rem}
.details dd a{text-decoration:none;border-bottom:1px solid var(--brass)}
.note{margin-top:14px;font-size:.86rem;opacity:.68}
.sent{
  display:none;margin-top:18px;padding:14px 16px;border-left:2px solid var(--brass);
  background:rgba(190,138,61,.1);font-size:.94rem;
}
.sent.show{display:block}

/* footer */
.foot{background:var(--ink);color:var(--paper);padding:70px 0 34px}
.foot__top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:44px;padding-bottom:44px;border-bottom:1px solid var(--rule-dark)}
.foot h4{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;opacity:.55;margin:0 0 16px;font-weight:500}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:10px}
.foot a{text-decoration:none;opacity:.78;font-size:.95rem}
.foot a:hover{opacity:1;color:var(--brass-lit)}
.foot__blurb{font-size:.95rem;opacity:.7;max-width:38ch;font-weight:300;margin-top:16px}
.foot__bottom{display:flex;flex-wrap:wrap;gap:18px;justify-content:space-between;padding-top:26px;font-size:.8rem;opacity:.55}
.social{display:flex;gap:14px;margin-top:20px}
.social a{width:34px;height:34px;border:1px solid var(--rule-dark);border-radius:50%;display:grid;place-items:center;opacity:.8}
.social a:hover{border-color:var(--brass);opacity:1}
.social svg{width:15px;height:15px;fill:currentColor}

/* reveal */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.3,1)}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}

/* ---------- loan calculator ---------- */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:start}
.calc__presets{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:34px}
.preset,.freq{
  font-family:var(--body);font-size:.87rem;font-weight:500;color:var(--ink);
  background:transparent;border:1px solid var(--rule);border-radius:2px;
  padding:9px 16px;cursor:pointer;transition:.2s;
}
.preset:hover,.freq:hover{border-color:var(--green);background:rgba(51,128,0,.07)}
.preset.is-on,.freq.is-on{background:var(--ink);border-color:var(--ink);color:var(--paper)}

.calc__field{margin-bottom:30px}
.calc__row{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:12px}
.calc__row label,.calc__legendlabel{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;opacity:.68;
}
.calc__legendlabel{display:block;margin-bottom:12px}
.calc__entry{
  display:inline-flex;align-items:baseline;gap:3px;font-family:var(--display);
  font-size:1.45rem;letter-spacing:-.02em;
}
.calc__entry i{font-style:normal;font-size:.95rem;font-family:var(--body);opacity:.68}
.calc__entry input{
  font:inherit;color:var(--ink);background:transparent;border:0;border-bottom:1px solid var(--rule);
  width:5.4ch;text-align:right;padding:0 2px 2px;transition:.2s;
}
.calc__entry input:focus{outline:none;border-bottom-color:var(--green);background:rgba(51,128,0,.06)}
.calc__entry input::-webkit-outer-spin-button,
.calc__entry input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.calc__entry input[type=number]{-moz-appearance:textfield;appearance:textfield}
#c-amount{width:8ch}

.calc__slider{
  -webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:3px;cursor:pointer;
  background:linear-gradient(to right,var(--green) 0 var(--p,50%),rgba(18,41,10,.16) var(--p,50%) 100%);
}
.calc__slider::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;
  background:var(--ink);border:3px solid var(--brass-lit);cursor:grab;
  box-shadow:0 2px 8px rgba(18,41,10,.35);transition:transform .15s;
}
.calc__slider::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.12)}
.calc__slider::-moz-range-thumb{
  width:16px;height:16px;border-radius:50%;background:var(--ink);
  border:3px solid var(--brass-lit);cursor:grab;box-shadow:0 2px 8px rgba(18,41,10,.35);
}
.calc__slider::-moz-range-track{height:5px;border-radius:3px;background:transparent}
.calc__scale{
  display:flex;justify-content:space-between;margin-top:9px;
  font-family:var(--mono);font-size:.66rem;letter-spacing:.08em;opacity:.68;
}
.calc__freq{display:flex;gap:8px;flex-wrap:wrap}

.calc__result{
  background:var(--ink);color:var(--paper);padding:36px 34px 30px;border-radius:2px;
  position:sticky;top:96px;
}
.calc__big{margin:6px 0 0;font-family:var(--display);letter-spacing:-.03em;line-height:1}
.calc__big span{font-size:clamp(2.4rem,4.6vw,3.2rem);display:block}
.calc__big small{
  display:block;margin-top:8px;font-family:var(--mono);font-size:.68rem;
  letter-spacing:.14em;text-transform:uppercase;opacity:.6;
}
.calc__figures{margin:30px 0 0;padding-top:22px;border-top:1px solid var(--rule-dark)}
.calc__figures div{display:flex;justify-content:space-between;gap:14px;padding:9px 0}
.calc__figures dt{font-size:.92rem;opacity:.7;margin:0}
.calc__figures dd{margin:0;font-family:var(--display);font-size:1.08rem}
.calc__split{margin-top:24px}
.calc__bar{height:9px;border-radius:5px;overflow:hidden;background:var(--brass-lit)}
.calc__bar-p{display:block;height:100%;background:var(--lime);transition:width .35s cubic-bezier(.2,.7,.3,1)}
.calc__key{display:flex;flex-wrap:wrap;gap:6px 20px;margin-top:12px;font-size:.85rem;opacity:.82}
.calc__key span{display:inline-flex;align-items:center;gap:7px}
.calc__key b{font-weight:600}
.k{width:9px;height:9px;border-radius:2px;display:inline-block}
.k--p{background:var(--lime)}
.k--i{background:var(--brass-lit)}
.calc__cta{width:100%;margin-top:26px;text-align:center}
.calc__note{margin-top:14px;font-size:.76rem;opacity:.5;line-height:1.5}

/* ---------- skip link ---------- */
.skip{
  position:absolute;left:-9999px;top:0;z-index:100;background:var(--brass-lit);color:#2A1B00;
  padding:12px 20px;font-weight:600;border-radius:0 0 2px 0;
}
.skip:focus{left:0}

/* ---------- loan products ---------- */
.products{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.product{
  background:var(--paper);border:1px solid var(--rule);border-radius:2px;
  padding:30px 26px 26px;display:flex;flex-direction:column;position:relative;transition:.25s;
}
.product:hover{border-color:var(--green);transform:translateY(-3px);box-shadow:0 14px 30px rgba(18,41,10,.09)}
.product--featured{border-color:var(--green);border-width:2px}
.product__flag{
  position:absolute;top:-11px;left:24px;background:var(--green);color:var(--paper);
  font-family:var(--mono);font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;
  padding:5px 11px;border-radius:2px;
}
.product h3{font-size:1.3rem;margin-bottom:5px}
.product__for{font-size:.9rem;opacity:.68;font-weight:300;margin-bottom:20px}
.product__spec{margin:0 0 18px;border-top:1px solid var(--rule)}
.product__spec div{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--rule)}
.product__spec dt{font-family:var(--mono);font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;opacity:.68;margin:0}
.product__spec dd{margin:0;font-weight:600;font-size:.95rem}
.product__note{font-size:.88rem;opacity:.72;font-weight:300;margin-bottom:22px}
.product__cta{
  margin-top:auto;font-family:var(--body);font-size:.9rem;font-weight:600;cursor:pointer;
  background:transparent;color:var(--ink);border:1px solid var(--ink);border-radius:2px;
  padding:11px 18px;transition:.2s;
}
.product__cta:hover{background:var(--ink);color:var(--paper)}

/* ---------- eligibility checker ---------- */
.elig{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.elig__list{list-style:none;margin:0;padding:0;counter-reset:none}
.q{padding:20px 0;border-bottom:1px solid var(--rule)}
.q:first-child{padding-top:0}
.q__text{font-size:1.04rem;margin-bottom:14px;display:flex;gap:12px;align-items:baseline}
.q__n{
  font-family:var(--mono);font-size:.7rem;color:var(--brass);flex:none;
  width:22px;height:22px;border:1px solid var(--rule);border-radius:50%;
  display:inline-grid;place-items:center;transition:.2s;
}
.q.done .q__n{background:var(--green);border-color:var(--green);color:var(--paper)}
.q__opts{display:flex;flex-wrap:wrap;gap:8px;padding-left:34px}
.q__opts button{
  font-family:var(--body);font-size:.88rem;font-weight:500;color:var(--ink);cursor:pointer;
  background:transparent;border:1px solid var(--rule);border-radius:2px;padding:9px 16px;transition:.2s;
}
.q__opts button:hover{border-color:var(--green);background:rgba(51,128,0,.07)}
.q__opts button.is-on{background:var(--ink);border-color:var(--ink);color:var(--paper)}

.elig__out{position:sticky;top:96px;display:flex;gap:18px}
.elig__meter{
  width:8px;flex:none;border-radius:5px;background:var(--rule);
  display:flex;align-items:flex-end;overflow:hidden;min-height:220px;
}
.elig__meter-fill{width:100%;background:var(--green);transition:height .45s cubic-bezier(.2,.7,.3,1)}
.elig__panel{
  flex:1;background:var(--mist);border:1px solid var(--rule);border-radius:2px;padding:28px 26px;
}
.elig__panel h3{font-size:1.35rem;margin-bottom:10px}
.elig__panel>p{font-size:.96rem;opacity:.78;font-weight:300}
.elig__panel.is-yes{background:rgba(51,128,0,.1);border-color:var(--green)}
.elig__panel.is-maybe{background:rgba(190,138,61,.12);border-color:var(--brass)}
.elig__panel.is-no{background:rgba(186,7,3,.07);border-color:rgba(186,7,3,.4)}
.elig__docs-h{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;
  opacity:.68;margin:24px 0 12px;
}
.checklist{list-style:none;margin:0;padding:0}
.checklist li{display:flex;gap:11px;align-items:flex-start;padding:7px 0;font-size:.94rem}
.checklist input{margin-top:4px;accent-color:var(--green);width:16px;height:16px;flex:none}
.elig__print,.elig__go{margin-top:22px;display:inline-block}

/* ---------- apply: two paths ---------- */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:46px}
.path{border:1px solid var(--rule-dark);border-radius:2px;padding:28px 26px;position:relative}
.path--on{border-color:var(--brass-lit);background:rgba(245,187,43,.06)}
.path__tag{
  position:absolute;top:-11px;left:24px;background:var(--brass-lit);color:#2A1B00;
  font-family:var(--mono);font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;padding:5px 11px;
}
.path h3{font-size:1.25rem;margin-bottom:10px}
.path p{font-size:.95rem;opacity:.78;font-weight:300}
.path__meta{margin-top:14px;font-family:var(--mono);font-size:.72rem;letter-spacing:.08em;opacity:.7}
.path__meta a{color:var(--brass-lit);text-decoration:none;border-bottom:1px solid currentColor;font-family:var(--body);font-size:.95rem;letter-spacing:0}

/* ---------- wizard ---------- */
.wizard{background:rgba(246,245,239,.05);border:1px solid var(--rule-dark);border-radius:2px;padding:34px 32px 28px}
.wizard__steps{
  list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:0 0 16px;padding:0;
  font-family:var(--mono);font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;
}
.wizard__steps li{display:flex;align-items:center;gap:9px;opacity:.45;transition:.3s}
.wizard__steps li.is-on,.wizard__steps li.done{opacity:1}
.wizard__steps span{
  width:24px;height:24px;flex:none;border-radius:50%;border:1px solid var(--rule-dark);
  display:grid;place-items:center;font-size:.72rem;transition:.3s;
}
.wizard__steps li.is-on span{background:var(--brass-lit);border-color:var(--brass-lit);color:#2A1B00}
.wizard__steps li.done span{background:var(--green);border-color:var(--green);color:var(--paper)}
.wizard__track{height:3px;background:rgba(246,245,239,.14);border-radius:2px;overflow:hidden;margin-bottom:30px}
.wizard__track span{display:block;height:100%;background:var(--brass-lit);transition:width .4s cubic-bezier(.2,.7,.3,1)}
.panel{display:none;border:0;padding:0;margin:0;min-width:0}
.panel.is-on{display:block;animation:panelIn .35s ease both}
@keyframes panelIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.panel legend{
  font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;
  opacity:.68;padding:0;margin-bottom:20px;
}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 22px}
.field--wide{grid-column:1/-1}
.opt{text-transform:none;letter-spacing:0;font-family:var(--body);opacity:.7}
.wizard .field label{color:var(--paper)}
.wizard .field input,.wizard .field select{
  background:rgba(18,41,10,.5);border-color:var(--rule-dark);color:var(--paper);
}
.wizard .field input:focus,.wizard .field select:focus{border-color:var(--brass-lit);box-shadow:0 0 0 3px rgba(245,187,43,.18)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:#E8756B}
.err{display:block;font-size:.8rem;color:#F0A79E;margin:-14px 0 14px;min-height:1px}
.err:empty{margin:0}

.affordbox{margin-top:8px;padding:20px 22px;border:1px solid var(--rule-dark);border-radius:2px;background:rgba(18,41,10,.4)}
.affordbox__h{font-family:var(--mono);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;opacity:.62}
.affordbox__fig{margin-top:8px;font-family:var(--display);font-size:1.9rem;letter-spacing:-.02em}
.affordbox__fig span{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;opacity:.62}
.affordbox__bar{height:8px;border-radius:5px;background:rgba(246,245,239,.16);overflow:hidden;margin:16px 0 12px}
.affordbox__bar span{display:block;height:100%;background:var(--lime);transition:width .35s,background .35s}
.affordbox.warn .affordbox__bar span{background:var(--brass-lit)}
.affordbox.bad .affordbox__bar span{background:#E8756B}
.affordbox__msg{font-size:.92rem;opacity:.85}

.review{margin:0 0 24px;border-top:1px solid var(--rule-dark)}
.review div{display:flex;justify-content:space-between;gap:18px;padding:11px 0;border-bottom:1px solid var(--rule-dark)}
.review dt{font-size:.88rem;opacity:.65;margin:0;flex:none}
.review dd{margin:0;font-size:.95rem;text-align:right;font-weight:500}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.92rem;opacity:.85;cursor:pointer}
.consent input{margin-top:4px;accent-color:var(--brass-lit);width:17px;height:17px;flex:none}
.wizard__submit{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.wizard__nav{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:28px;padding-top:22px;border-top:1px solid var(--rule-dark)}
.wizard__count{font-family:var(--mono);font-size:.7rem;letter-spacing:.12em;opacity:.6}
.wizard__nav .btn[disabled]{opacity:.35;cursor:not-allowed}
.wizard__done{text-align:center;padding:22px 0 8px}
.wizard__done h3{font-size:1.5rem;margin:10px 0 14px}
.wizard__done p{opacity:.8;font-weight:300;max-width:52ch;margin:0 auto}
.wizard__done .btn{margin-top:24px}

/* ---------- faq ---------- */
.faq{display:grid;gap:0;border-top:1px solid var(--rule)}
.faq__item{border-bottom:1px solid var(--rule)}
.faq__item summary{
  cursor:pointer;list-style:none;padding:20px 44px 20px 0;position:relative;
  font-family:var(--display);font-size:1.12rem;letter-spacing:-.01em;transition:.2s;
}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{
  content:"";position:absolute;right:8px;top:50%;width:11px;height:11px;
  border-right:1.5px solid var(--brass);border-bottom:1.5px solid var(--brass);
  transform:translateY(-70%) rotate(45deg);transition:transform .25s;
}
.faq__item[open] summary::after{transform:translateY(-25%) rotate(-135deg)}
.faq__item summary:hover{color:var(--green)}
.faq__item p{padding:0 40px 22px 0;font-size:.98rem;opacity:.78;font-weight:300;max-width:70ch}

/* light-background variant of the step list */
.steps--light .step{border-top-color:var(--rule)}

.afford{
  margin-top:18px;padding:12px 14px;border-left:2px solid var(--brass-lit);
  background:rgba(245,187,43,.1);font-size:.9rem;
}
.afford.ok{border-left-color:var(--lime);background:rgba(192,255,114,.12)}
.afford.bad{border-left-color:#E8756B;background:rgba(232,117,107,.12)}
.calc__hint{margin-top:9px;font-size:.8rem;opacity:.68;font-weight:300}

/* ---------- responsive ---------- */
@media (max-width:960px){
  .hero__grid{grid-template-columns:1fr;gap:40px;padding:64px 0 72px}
  .logo-stage{margin:0 auto}
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:30px}
  .quotes{grid-template-columns:1fr;gap:22px}
  .contact{grid-template-columns:1fr;gap:44px}
  .calc{grid-template-columns:1fr;gap:36px}
  .products{grid-template-columns:repeat(2,1fr)}
  .elig{grid-template-columns:1fr;gap:34px}
  .elig__out{position:static}
  .calc__result{position:static}
  .foot__top{grid-template-columns:1fr 1fr}
}
@media (max-width:980px){
  .nav__toggle{display:block}
  .nav__inner{height:64px}
  .nav__links{
    position:absolute;top:64px;left:0;right:0;background:var(--ink);flex-direction:column;
    gap:0;padding:6px 5vw 20px;border-bottom:1px solid var(--rule-dark);display:none;
  }
  .nav.open .nav__links{display:flex}
  .nav__links a{padding:14px 0;border-bottom:1px solid var(--rule-dark);width:100%}
  .nav .btn--brass{display:none}
}
@media (max-width:720px){
  .section{padding:72px 0}
  .cards,.why,.steps{grid-template-columns:1fr}
  .products{grid-template-columns:1fr}
  .paths{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .wizard{padding:24px 18px 22px}
  .wizard__steps{grid-template-columns:repeat(2,1fr);gap:10px 8px;font-size:.62rem}
  .wizard__nav{flex-wrap:wrap}
  .wizard__nav .btn{flex:1 1 auto}
  .wizard__count{order:3;width:100%;text-align:center}
  .q__opts{padding-left:0}
  .calc__result{padding:28px 22px 26px}
  .preset,.freq{flex:1 1 auto;padding:9px 12px;font-size:.82rem}
  .why{gap:0}
  .stats{gap:20px 0}
  .stat{padding-right:24px;margin-right:24px}
  .foot__top{grid-template-columns:1fr;gap:32px}
}