/* DepositLending.com — shared design system (all pages)
   Palette: midnight navy · warm sand/paper · champagne accent · stone grays */
:root{
  --ink:#0d1626;          /* midnight navy (text on light, dark surfaces) */
  --ink-2:#16223a;
  --ink-3:#22314f;
  --paper:#f6f1e8;        /* warm paper */
  --sand:#ece4d6;
  --sand-2:#e2d7c4;
  --white:#fffdf9;
  --stone:#6b6a66;        /* supporting text on light (AA on paper) */
  --stone-light:#a9a499;  /* supporting text on dark */
  --gold:#c6a46a;         /* champagne accent: CTAs, rules — sparingly */
  --gold-2:#d9bd8a;
  --gold-ink:#8a6a32;     /* gold text on light backgrounds (AA) */
  --line:rgba(13,22,38,.12);
  --line-dark:rgba(246,241,232,.14);

  --serif:'Nunito',ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;
  --sans:'Nunito',ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;

  /* spacing scale — compact, so pages feel easier to scan */
  --s1:.25rem;--s2:.5rem;--s3:.7rem;--s4:1rem;--s5:1.15rem;--s6:1.5rem;--s7:2rem;--s8:2.5rem;--s9:3.25rem;--s10:4rem;
  --section:clamp(2rem,4vw,2.85rem);
  --gutter:clamp(1.1rem,3.2vw,1.85rem);
  --max:1120px;
  --measure:66ch;
  --radius:16px;--radius-sm:10px;--radius-pill:999px;
  --ease:cubic-bezier(.2,.7,.2,1);
  --shadow:0 1px 2px rgba(13,22,38,.04),0 10px 28px -12px rgba(13,22,38,.16);
  --nav-h:64px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--nav-h) + 16px)}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:clamp(1.02rem,1rem + .15vw,1.075rem);line-height:1.55;font-weight:400;
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}
img,picture,svg{display:block;max-width:100%;height:auto}
a{color:inherit;text-decoration-thickness:1px;text-underline-offset:.2em}
button,input,select,textarea{font:inherit;color:inherit}
::selection{background:var(--gold-2);color:var(--ink)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:1rem;top:-100px;z-index:100;background:var(--ink);color:var(--paper);padding:.75rem 1rem;border-radius:var(--radius-sm)}
.skip:focus{top:1rem}
.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}

/* Type */
h1,h2,h3,.display{font-family:var(--sans);font-weight:700;letter-spacing:-.025em;line-height:1.18;margin:0;text-wrap:balance}
h1,.h1{font-size:clamp(1.85rem,1.35rem + 2.1vw,2.75rem)}
h2,.h2{font-size:clamp(1.5rem,1.25rem + 1.1vw,2rem);line-height:1.22}
h3,.h3{font-size:clamp(1.15rem,1.08rem + .35vw,1.35rem);line-height:1.3;letter-spacing:-.015em;font-weight:700}
h1 em,h2 em,h3 em{font-style:italic;font-weight:700;color:var(--gold-ink)}
.on-dark h1 em,.on-dark h2 em,.on-dark h3 em{color:var(--gold-2)}
p{margin:0 0 .75em;max-width:var(--measure);text-wrap:pretty}
.lede{font-size:clamp(1.02rem,1rem + .2vw,1.125rem);line-height:1.55;color:var(--stone)}
.on-dark .lede{color:var(--stone-light)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:700;letter-spacing:.02em;color:var(--gold-ink);margin-bottom:var(--s3)}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.on-dark .eyebrow{color:var(--gold)}
.muted{color:var(--stone)}

/* Layout */
.wrap{width:100%;max-width:var(--max);margin-inline:auto;padding-inline:var(--gutter)}
.section{padding-block:var(--section)}
.section--sand{background:var(--sand)}
.section--ink,.on-dark{background:var(--ink);color:var(--paper)}
.rule{height:1px;background:var(--line);border:0;margin:0}
.grid-2{display:grid;gap:clamp(1.25rem,3vw,2rem);grid-template-columns:1fr}
@media (min-width:900px){.grid-2{grid-template-columns:1fr 1fr;align-items:center}}

/* Buttons */
.btn{--bg:var(--ink);--fg:var(--paper);display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:44px;padding:.65rem 1.2rem;border-radius:var(--radius-pill);
  background:var(--bg);color:var(--fg);border:1px solid var(--bg);font-weight:600;font-size:.95rem;letter-spacing:.01em;text-decoration:none;cursor:pointer;
  transition:background .25s var(--ease),color .25s var(--ease),border-color .25s var(--ease),transform .25s var(--ease)}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:none}
.btn--gold{--bg:var(--gold);--fg:var(--ink)}
.btn--gold:hover{--bg:var(--gold-2)}
.btn--ink:hover{--bg:var(--ink-3)}
.btn--ghost{background:transparent;color:currentColor;border-color:currentColor}
.btn--ghost:hover{background:currentColor}
.btn--ghost:hover>*{color:var(--ink)}
.on-dark .btn--ghost{border-color:rgba(246,241,232,.35)}
.on-dark .btn--ghost:hover{background:var(--paper);color:var(--ink);border-color:var(--paper)}
.btn svg{width:18px;height:18px;flex:none}
.link-arrow{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:2px}
.link-arrow:hover{color:var(--gold-ink)}

/* Header / nav (shared) */
.site-header{position:sticky;top:0;z-index:50;height:var(--nav-h);display:flex;align-items:center;
  background:rgba(246,241,232,.82);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
.site-header.is-scrolled{border-bottom-color:var(--line)}
.site-header--overlay{position:fixed;inset-inline:0;background:transparent;color:var(--paper);backdrop-filter:none;-webkit-backdrop-filter:none}
.site-header--overlay.is-scrolled{background:rgba(13,22,38,.78);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom-color:var(--line-dark)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:var(--s5)}
.brand{display:inline-flex;align-items:center;gap:.5rem;text-decoration:none;font-family:var(--sans);font-weight:800;font-size:1.3rem;letter-spacing:-.03em;line-height:1}
.brand-mark{width:30px;height:30px;flex:none}
.brand small{font-family:var(--sans);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;opacity:.6;margin-left:.1rem}
.nav-links{display:none;list-style:none;margin:0;padding:0;gap:clamp(1rem,2.4vw,2.25rem)}
.nav-links a{text-decoration:none;font-size:.92rem;font-weight:500;opacity:.78;padding:.4rem 0;position:relative;transition:opacity .2s}
.nav-links a::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:1px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.nav-links a:hover,.nav-links a[aria-current="page"]{opacity:1}
.nav-links a:hover::after,.nav-links a[aria-current="page"]::after{transform:scaleX(1)}
.nav-cta{display:none}
.nav-toggle{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:transparent;cursor:pointer}
.site-header--overlay .nav-toggle{border-color:var(--line-dark)}
.nav-toggle span{display:block;width:18px;height:1.5px;background:currentColor;position:relative;transition:transform .3s var(--ease)}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:18px;height:1.5px;background:currentColor;transition:transform .3s var(--ease)}
.nav-toggle span::before{top:-6px}.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}
.mobile-menu{position:fixed;inset:var(--nav-h) 0 0;z-index:49;background:var(--ink);color:var(--paper);padding:var(--s7) var(--gutter);display:flex;flex-direction:column;gap:var(--s6);
  opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .3s var(--ease),transform .3s var(--ease),visibility .3s}
.mobile-menu.is-open{opacity:1;visibility:visible;transform:none}
.mobile-menu ul{list-style:none;margin:0;padding:0}
.mobile-menu li{border-bottom:1px solid var(--line-dark)}
.mobile-menu li a{display:block;padding:.85rem 0;font-family:var(--sans);font-weight:700;font-size:1.45rem;text-decoration:none}
.mobile-menu li a[aria-current="page"]{color:var(--gold-2)}
@media (min-width:960px){.nav-links{display:flex}.nav-cta{display:inline-flex}.nav-toggle,.mobile-menu{display:none}}

/* Cards / lists */
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(1.1rem,2vw,1.5rem);transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding:.45rem 0 .45rem 1.85rem;border-top:1px solid var(--line)}
.ticks li:last-child{border-bottom:1px solid var(--line)}
.ticks li::before{content:"";position:absolute;left:0;top:.85rem;width:12px;height:7px;border-left:1.5px solid var(--gold-ink);border-bottom:1.5px solid var(--gold-ink);transform:rotate(-45deg)}

/* Media */
.photo{position:relative;border-radius:var(--radius);overflow:hidden;background:var(--sand-2)}
.photo picture{position:absolute;inset:0}
.photo img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
.photo:hover img{transform:scale(1.025)}

/* Forms */
.form{display:grid;gap:var(--s4)}
.form-row{display:grid;gap:var(--s4)}
@media (min-width:640px){.form-row--2{grid-template-columns:1fr 1fr}}
.field{display:grid;gap:.45rem}
.field label{font-size:.82rem;font-weight:600;letter-spacing:.02em}
.field label .opt{font-weight:400;color:var(--stone)}
.field input,.field textarea,.field select{width:100%;min-height:46px;padding:.7rem .9rem;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);
  transition:border-color .2s,box-shadow .2s;-webkit-appearance:none;appearance:none}
.field textarea{min-height:110px;resize:vertical}
.field input::placeholder,.field textarea::placeholder{color:#9b968d}
.field input:hover,.field textarea:hover{border-color:rgba(13,22,38,.28)}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px rgba(198,164,106,.28)}
.field.is-invalid input,.field.is-invalid textarea{border-color:#a8442f}
.field-error{font-size:.82rem;color:#a8442f;min-height:0}
.form-note{font-size:.82rem;color:var(--stone)}
.form-success{display:none;text-align:left}
.form.is-done{display:none}
.form.is-done + .form-success{display:block}

/* Footer (shared) */
.site-footer{background:var(--ink);color:var(--paper);padding-block:clamp(2.25rem,4.5vw,3.25rem) 1.35rem}
.footer-top{display:grid;gap:var(--s6);grid-template-columns:1fr}
@media (min-width:800px){.footer-top{grid-template-columns:1.4fr 1fr 1fr}}
.footer-top h2{font-size:clamp(1.5rem,1.25rem + 1.1vw,2.05rem)}
.footer-col h3{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.04em;color:var(--gold);margin-bottom:var(--s3)}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:.55rem}
.footer-col a{text-decoration:none;color:var(--stone-light);transition:color .2s}
.footer-col a:hover{color:var(--paper)}
.footer-bottom{margin-top:var(--s6);padding-top:var(--s4);border-top:1px solid var(--line-dark);display:flex;flex-wrap:wrap;gap:.55rem 1.35rem;justify-content:space-between;align-items:center;font-size:.82rem;color:var(--stone-light)}
.footer-bottom p{margin:0}
.footer-legal{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem 1.15rem}
.footer-legal a{color:var(--stone-light);text-decoration:none}
.footer-legal a:hover{color:var(--paper)}

/* Reveal on scroll (progressive; only when JS adds .js) */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.js .reveal.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
  .js .reveal{opacity:1;transform:none}
}

/* ───────── Page components ───────── */
/* Home hero */
.hero{position:relative;min-height:min(72vh,640px);display:flex;align-items:flex-end;color:var(--paper);background:var(--ink);overflow:hidden;isolation:isolate}
.hero picture,.hero img.hero-img{position:absolute;inset:0;width:100%;height:100%;z-index:-2}
.hero img{width:100%;height:100%;object-fit:cover;object-position:50% 60%;animation:heroZoom 18s var(--ease) both}
@keyframes heroZoom{from{transform:scale(1.06)}to{transform:scale(1)}}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(90deg,rgba(13,22,38,.78) 0%,rgba(13,22,38,.45) 45%,rgba(13,22,38,0) 75%),
             linear-gradient(180deg,rgba(13,22,38,.55) 0%,rgba(13,22,38,.05) 28%,rgba(13,22,38,.2) 55%,rgba(13,22,38,.94) 100%)}
@media (max-width:640px){.hero::after{background:linear-gradient(180deg,rgba(13,22,38,.6) 0%,rgba(13,22,38,.35) 35%,rgba(13,22,38,.75) 60%,rgba(13,22,38,.96) 100%)}}
.hero-inner{padding-block:calc(var(--nav-h) + 2.25rem) clamp(1.75rem,4vw,2.75rem);width:100%}
.hero .kicker{font-family:var(--sans);font-style:italic;font-weight:600;font-size:1.05rem;color:var(--gold-2);margin-bottom:var(--s3)}
.hero h1{max-width:15ch}
.hero .lede{margin-top:var(--s3);color:rgba(246,241,232,.82);max-width:48ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:var(--s5);align-items:center}
.hero-meta{margin-top:clamp(1.5rem,3.5vw,2.25rem);padding-top:var(--s4);border-top:1px solid var(--line-dark);display:grid;gap:var(--s4);grid-template-columns:1fr;font-size:.9rem;color:var(--stone-light)}
.hero-meta strong{display:block;font-family:var(--sans);font-weight:700;font-size:1.15rem;color:var(--paper);letter-spacing:-.02em;line-height:1.25}
@media (min-width:720px){.hero-meta{grid-template-columns:repeat(3,1fr)}}

/* Interior page hero */
.page-hero{padding-block:clamp(1.75rem,4vw,2.5rem) clamp(1.35rem,3vw,2rem)}
.page-hero h1{font-size:clamp(1.85rem,1.4rem + 1.8vw,2.65rem);max-width:18ch}
.page-hero .lede{margin-top:var(--s3);max-width:54ch}
.breadcrumb{font-size:.8rem;color:var(--stone);margin-bottom:var(--s3)}
.breadcrumb a{text-decoration:none}.breadcrumb a:hover{color:var(--ink)}
.page-photo{aspect-ratio:21/8;margin-top:clamp(1.25rem,3vw,1.85rem)}
@media (max-width:640px){.page-photo{aspect-ratio:4/3}}

/* Section heads */
.section-head{display:grid;gap:var(--s3);margin-bottom:clamp(1.15rem,2.5vw,1.75rem)}
@media (min-width:900px){.section-head--split{grid-template-columns:1fr 1fr;align-items:end}.section-head--split > p:last-child{justify-self:end}}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:var(--s5);grid-template-columns:1fr;counter-reset:step}
@media (min-width:820px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{position:relative;padding-top:var(--s4);border-top:1px solid var(--line)}
.step::before{counter-increment:step;content:"0" counter(step);display:block;font-family:var(--sans);font-weight:800;font-size:1.85rem;line-height:1;color:var(--gold-ink);margin-bottom:var(--s3)}
.step::after{content:"";position:absolute;top:-1px;left:0;width:48px;height:1px;background:var(--gold)}
.step h3{margin-bottom:var(--s3)}
.step p{color:var(--stone);margin:0}

/* Loan products — payment-picture comparison (how each loan is repaid). */
.loans{--prin:#1a2b4d;--int:#c6a46a;
  background:var(--white);border:1px solid var(--line);border-radius:calc(var(--radius) + 6px);overflow:hidden}
.loans-title{margin:0;background:#e3ecd9;border-bottom:1px solid #cddbbf;text-align:center;padding:.7rem 1rem;
  font-family:var(--sans);font-weight:700;font-size:clamp(1.15rem,1.05rem + .6vw,1.45rem);line-height:1.25;letter-spacing:-.02em;color:var(--ink)}
.loans-legend{display:flex;flex-wrap:wrap;gap:.35rem 1.2rem;justify-content:center;align-items:center;
  margin:0;padding:.9rem 1rem .15rem;font-size:.88rem;font-weight:600;color:var(--ink-3)}
.loans-legend .swatch{display:inline-block;width:14px;height:14px;border-radius:3px;margin-right:.4rem;vertical-align:-2px}
.swatch--prin{background:var(--prin)}
.swatch--int{background:var(--int)}
.loans-grid{display:grid;grid-template-columns:1fr;gap:1rem;padding:1rem 1.15rem 1.2rem}
@media (min-width:960px){.loans-grid{grid-template-columns:repeat(3,1fr)}}
.loan{background:var(--white);border:1px solid var(--line);border-radius:18px;overflow:hidden;display:flex;flex-direction:column;padding:0}
.loan .term{margin:0;background:var(--sand);padding:.7rem 1rem;text-align:center;
  font-family:var(--sans);font-weight:700;font-size:clamp(1.28rem,1.15rem + .7vw,1.55rem);
  line-height:1.2;letter-spacing:-.025em;color:var(--ink)}
.loan-body{padding:1rem 1.1rem 1.15rem;display:flex;flex-direction:column;flex:1}
.loan h3{margin:0 0 .3rem;font-family:var(--sans);font-weight:800;font-size:clamp(1.65rem,1.45rem + .7vw,2rem);
  line-height:1.05;letter-spacing:-.03em;color:var(--ink)}
.loan .structure{font-size:.95rem;line-height:1.45;color:var(--ink-3);margin:0 0 .85rem;max-width:none}
.viz{background:var(--paper);border-radius:12px;padding:.85rem .75rem .7rem}
.viz-track{display:flex;align-items:flex-end;gap:5px;min-height:92px;padding:0 2px}
.quiet{flex:1;height:10px;border-radius:999px;background:repeating-linear-gradient(90deg,#d4cbb8 0 6px,transparent 6px 12px);margin-bottom:8px;opacity:.85}
.balloon{width:86px;height:86px;border-radius:8px;overflow:hidden;display:flex;flex-direction:column;flex-shrink:0;box-shadow:0 4px 10px rgba(13,22,38,.12)}
.balloon .prin-seg{flex:2.4;background:var(--prin)}
.balloon .int-seg{flex:1;background:var(--int)}
.month{flex:1;display:flex;flex-direction:column;border-radius:4px 4px 2px 2px;overflow:hidden;min-width:0}
.month--beta{height:32px;background:var(--int)}
.month--gamma{height:72px}
.month--gamma .prin-seg{flex:2;background:var(--prin)}
.month--gamma .int-seg{flex:1;background:var(--int)}
.viz-labels{display:flex;justify-content:space-between;margin-top:.45rem;font-size:.72rem;font-weight:700;color:var(--stone);letter-spacing:.01em}
.viz-labels .end{color:var(--ink-3);text-align:right}
.viz-cap{font-size:.8rem;font-weight:600;color:var(--ink-3);text-align:center;margin:.45rem 0 0;line-height:1.35;max-width:none}
.great{margin-top:.95rem}
.great h4{margin:0 0 .55rem;font-size:1.05rem;font-weight:700;color:var(--ink)}
.great ul{list-style:none;margin:0;padding:0;display:grid;gap:.12rem}
.great li{display:grid;grid-template-columns:1.35rem 1fr;gap:.35rem;padding:.22rem 0;font-size:.95rem;line-height:1.4;color:var(--ink-2)}
.great li svg{width:18px;height:18px;margin-top:.15rem;color:var(--ink)}
.loans-note{margin:0;padding:1rem 1.25rem;border-top:1px solid var(--line);background:var(--paper);font-size:.88rem;color:var(--stone);text-align:center;max-width:none}
/* Compact product teasers (home) */
.teasers{display:grid;gap:var(--s4);grid-template-columns:1fr}
@media (min-width:820px){.teasers{grid-template-columns:repeat(3,1fr)}}
.teaser{display:flex;flex-direction:column;gap:.2rem;text-decoration:none;padding:var(--s5);border:1px solid var(--line-dark);border-radius:var(--radius);transition:border-color .3s,background .3s,transform .3s var(--ease)}
.teaser:hover{border-color:var(--gold);background:rgba(246,241,232,.04);transform:translateY(-2px)}
.teaser .t-name{font-family:var(--sans);font-weight:800;font-size:1.65rem;line-height:1.1;letter-spacing:-.03em}
.teaser .t-term{font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.teaser .t-desc{color:var(--stone-light);font-size:.95rem;margin-top:.5rem}

/* Benefit groups */
.groups{display:grid;gap:var(--s5);grid-template-columns:1fr}
@media (min-width:900px){.groups{grid-template-columns:repeat(3,1fr)}}
.group h3{margin-bottom:var(--s3)}
.group .num{font-size:.75rem;font-weight:600;letter-spacing:.18em;color:var(--gold-ink);display:block;margin-bottom:var(--s4)}

/* Split media */
.split-photo{aspect-ratio:4/5}
.split-photo--wide{aspect-ratio:4/3}

/* Sidebar layout */
.with-aside{display:grid;gap:clamp(1.5rem,3.5vw,2.25rem);grid-template-columns:1fr}
@media (min-width:980px){.with-aside{grid-template-columns:minmax(0,1.55fr) minmax(300px,1fr);align-items:start}.aside-sticky{position:sticky;top:calc(var(--nav-h) + 2rem)}}
.prose h2{font-size:clamp(1.35rem,1.2rem + .7vw,1.7rem);margin-bottom:var(--s3)}
.prose h2:not(:first-child){margin-top:clamp(1.5rem,3vw,2rem)}
.prose p{color:var(--ink-3)}
.prose .ticks{margin-block:var(--s3)}

/* Eligibility */
.elig{background:var(--ink);color:var(--paper);border-radius:calc(var(--radius) + 4px);padding:clamp(1.2rem,2.4vw,1.65rem)}
.elig h2{font-size:clamp(1.35rem,1.2rem + .6vw,1.7rem);margin-bottom:var(--s2)}
.elig > p{color:var(--stone-light);font-size:.95rem}
.elig ol{list-style:none;margin:var(--s4) 0 var(--s5);padding:0;counter-reset:e}
.elig li{counter-increment:e;display:grid;grid-template-columns:2rem 1fr;gap:.45rem;padding:.55rem 0;border-top:1px solid var(--line-dark);line-height:1.4}
.elig li::before{content:counter(e,decimal-leading-zero);font-family:var(--sans);font-weight:800;color:var(--gold);font-size:.95rem;line-height:1.4}
.elig li strong{font-weight:600}
.elig li span{display:block;color:var(--stone-light);font-size:.88rem;margin-top:.15rem}
.elig .btn{width:100%}

/* Learn more aside (landlords) */
.aside-card{background:var(--white);border:1px solid var(--line);border-radius:calc(var(--radius) + 4px);padding:clamp(1.15rem,2.2vw,1.5rem)}
.aside-card h2{font-size:1.4rem;margin-bottom:var(--s3)}
.aside-card p{color:var(--stone)}

/* Payments diagram — a sharp redraw of the owner's original "Payments Due For New
   Residential Lease" graphic: grey title bars over color-coded boxes. */
.pay{--pay-title:#d9d9d6;--rent-1:#fbefc9;--rent-1b:#d9bf74;--rent-2:#f6d2b4;--rent-2b:#cf9466;
  --dep-1:#dcebd3;--dep-1b:#8fb27c;--dep-2:#c4dfb5;--dep-2b:#6f9a5c;--ong:#cfe3f7;--ong-b:#4f86c6;
  display:grid;gap:clamp(.85rem,2vw,1.25rem);grid-template-columns:1fr}
@media (min-width:900px){.pay{grid-template-columns:4fr 1.15fr}}
.pay-block h3{margin:0 0 .55rem;background:var(--pay-title);color:var(--ink);border:1px solid #c4c4c0;border-radius:8px;
  font-family:var(--sans);font-weight:700;font-size:clamp(.95rem,.9rem + .2vw,1.08rem);letter-spacing:0;line-height:1.3;text-align:center;padding:.55rem .85rem}
.pay-boxes{list-style:none;margin:0;padding:0;display:grid;gap:.75rem;grid-template-columns:1fr 1fr}
@media (min-width:640px){.pay-boxes--due{grid-template-columns:repeat(4,1fr)}}
.pay-block--ongoing .pay-boxes{grid-template-columns:1fr}
.pay-box{min-height:100px;display:flex;align-items:center;justify-content:center;text-align:center;padding:.85rem .7rem;border:1.5px solid;border-radius:8px;
  font-weight:700;font-size:clamp(.92rem,.88rem + .2vw,1.02rem);line-height:1.3;color:var(--ink)}
.pay-box--rent1{background:var(--rent-1);border-color:var(--rent-1b)}
.pay-box--rent2{background:var(--rent-2);border-color:var(--rent-2b)}
.pay-box--dep1{background:var(--dep-1);border-color:var(--dep-1b)}
.pay-box--dep2{background:var(--dep-2);border-color:var(--dep-2b)}
.pay-box--ong{background:var(--ong);border-color:var(--ong-b)}
.pay-legend{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;margin-top:1.25rem;font-size:.88rem;color:var(--stone)}
.pay-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;border:1.5px solid;margin-right:.45rem;vertical-align:-1px}
/* Contact */
.contact-grid{display:grid;gap:clamp(1.5rem,3.5vw,2.25rem);grid-template-columns:1fr}
@media (min-width:980px){.contact-grid{grid-template-columns:minmax(300px,.9fr) minmax(0,1.3fr);align-items:start}}
.contact-list{list-style:none;margin:0;padding:0}
.contact-list li{padding:.8rem 0;border-top:1px solid var(--line)}
.contact-list li:last-child{border-bottom:1px solid var(--line)}
.contact-list .k{display:block;font-size:.78rem;font-weight:700;letter-spacing:.02em;color:var(--stone);margin-bottom:.2rem}
.contact-list .v{font-family:var(--sans);font-weight:700;font-size:clamp(1.15rem,1.05rem + .5vw,1.4rem);line-height:1.25;text-decoration:none;letter-spacing:-.02em}
.contact-list a.v:hover{color:var(--gold-ink)}
.form-card{background:var(--white);border:1px solid var(--line);border-radius:calc(var(--radius) + 6px);padding:clamp(1.15rem,2.5vw,1.75rem);box-shadow:var(--shadow)}
.form-card h2{font-size:clamp(1.35rem,1.2rem + .5vw,1.65rem);margin-bottom:var(--s2)}
.form-card > p{color:var(--stone)}
.form-actions{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between}
.form-success h3{margin-bottom:var(--s4)}
.form-success .mark{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--sand);color:var(--gold-ink);margin-bottom:var(--s5)}
.form-success .mark svg{width:22px;height:22px}
.form-success .btns{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:var(--s5)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}

/* CTA band */
.cta-band{display:grid;gap:var(--s4);grid-template-columns:1fr;align-items:end}
@media (min-width:900px){.cta-band{grid-template-columns:1.4fr 1fr}.cta-band .cta-actions{justify-self:end}}
.cta-actions{display:flex;flex-wrap:wrap;gap:var(--s4)}

/* Phone pill in header (mobile) */
.nav-right{display:flex;align-items:center;gap:.5rem}
.nav-phone{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--ink)}
.nav-phone svg{width:18px;height:18px}
@media (min-width:960px){.nav-phone{display:none}}
@media (max-width:420px){.brand{font-size:1.15rem}.brand-mark{width:24px;height:24px}}

/* Legal / policy pages */
.legal-updated{margin:.85rem 0 0;font-size:.88rem;font-weight:600;color:var(--stone);max-width:none}
.legal{max-width:42rem;padding-bottom:var(--s6)}
.legal h2{font-size:1.2rem;margin:1.5rem 0 .5rem;letter-spacing:-.02em}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{font-size:.98rem;line-height:1.55;color:var(--ink-3)}
.legal p{margin:0 0 .7em;max-width:none}
.legal ul{margin:.2rem 0 .85rem;padding-left:1.2rem;display:grid;gap:.25rem}
.legal a{color:var(--ink);text-underline-offset:.15em}
.page-hero .legal-updated{margin-top:var(--s3)}