/* MTG Wholesale, locked design H12-1S (Rafie, 2026-11-05): navy pinstripe hero, solid shadowed
   lender box, gold pill Apply buttons with shadows, IBM Plex Sans, navy footer.
   Spec: DESIGN_LOCKED_H12-1S_2026-11-05.md */
:root {
  --paper: #ffffff;
  --soft: #f3f6f9;
  --soft-2: #e6ecf2;
  --ink: #1c2430;
  --ink-2: #2a3442;
  --navy: #0b2545;
  --navy-2: #13315c;
  --panel: #163a66;
  --muted: #586374;
  --line: #dde3ea;
  --dark-line: rgba(255,255,255,.18);
  --dark-text: #c9d6e6;
  --band-text: #d3deec;
  --gold: #eabd23;
  --gold-hover: #f1c83a;
  --ok: #1f9d55;
  --error: #b42318;
  --display: "IBM Plex Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --body: "IBM Plex Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --mono: ui-monospace, "SFMono-Regular", Menlo, Consolas, monospace;
  /* 15px is the smallest text anywhere, and the license line uses it. */
  --fs-min: 0.9375rem;
  --fs-body: 1.0625rem;
  --fs-lead: 1.1875rem;
  --fs-h3: 1.25rem;
  --fs-h2: clamp(1.75rem, 1.2rem + 2.2vw, 2.5rem);
  --fs-h1: clamp(2.375rem, 1.4rem + 4vw, 3.875rem);
  --radius: 12px;
  --wrap: 1180px;
  --pinstripe: linear-gradient(180deg, rgba(0,0,0,0) 40%, rgba(0,0,0,.30) 100%), repeating-linear-gradient(90deg, #08203d 0 2px, #0f2c52 2px 34px, #183a66 34px 36px, #0f2c52 36px 68px), #0f2c52;
  --shadow-apply-light: 0 1px 2px rgba(11,37,69,.20), 0 6px 14px rgba(11,37,69,.22);
  --shadow-apply-dark: 0 1px 2px rgba(0,0,0,.30), 0 8px 20px rgba(0,0,0,.38);
  --shadow-box: 0 2px 4px rgba(0,0,0,.25), 0 22px 48px rgba(0,0,0,.50);
  color-scheme: light;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--body); font-size: var(--fs-body); line-height: 1.6; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--ink); text-underline-offset: 3px; text-decoration-thickness: 1.5px; }
:focus-visible { outline: 3px solid #1a5fd0; outline-offset: 3px; border-radius: 6px; }
h1, h2, h3 { font-family: var(--display); margin: 0; text-wrap: balance; }
h1 { font-size: var(--fs-h1); font-weight: 600; line-height: 1.08; letter-spacing: -0.015em; }
h2 { font-size: var(--fs-h2); font-weight: 600; line-height: 1.12; letter-spacing: -0.015em; color: var(--navy); }
h3 { font-size: var(--fs-h3); font-weight: 600; line-height: 1.25; color: var(--navy); }
p { margin: 0; max-width: 65ch; }
ul { margin: 0; padding-left: 1.2em; }
li + li { margin-top: 0.35em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
@media (min-width: 760px) { .wrap { padding-left: max(40px, env(safe-area-inset-left, 0px)); padding-right: max(40px, env(safe-area-inset-right, 0px)); } }

/* Preview ribbon */
.preview-ribbon { background: var(--soft); color: var(--muted); font-size: var(--fs-min); border-bottom: 1px solid var(--line); }
.preview-ribbon .wrap { padding-block: 6px; text-align: center; }

/* Header */
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 30; background: var(--paper); }
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; background: rgba(255,255,255,0.96); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 16px; min-height: 76px; }
.brand { display: flex; align-items: center; gap: 10px; flex-shrink: 0; text-decoration: none; color: var(--navy); }
.brand img { width: 34px; height: auto; }
.brand-name { font-weight: 700; font-size: 1.1875rem; letter-spacing: -0.01em; white-space: nowrap; }
.main-nav { display: none; margin-left: auto; }
.main-nav ul { list-style: none; padding: 0; display: flex; gap: 2px; }
.main-nav li + li { margin-top: 0; }
.main-nav a { display: block; padding: 8px 14px; font-size: var(--fs-min); font-weight: 500; color: var(--muted); text-decoration: none; border-radius: 999px; }
.main-nav a:hover { color: var(--ink); background: var(--soft); }
.main-nav a[aria-current="page"] { color: var(--navy); background: var(--soft); font-weight: 600; }
.header-actions { display: flex; align-items: center; gap: 12px; margin-left: auto; }
.header-phone { display: none; color: var(--navy); font-weight: 600; font-size: var(--fs-min); text-decoration: none; white-space: nowrap; }
.menu-toggle { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border: 0; border-radius: 999px; background: var(--soft); color: var(--ink); cursor: pointer; }
.menu-toggle svg { width: 22px; height: 22px; }
.mobile-nav { background: var(--paper); border-top: 1px solid var(--line); }
.mobile-nav ul { list-style: none; padding: 8px 0 16px; }
.mobile-nav li + li { margin-top: 0; }
.mobile-nav a { display: block; padding: 13px 0; font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--line); }
@media (min-width: 1000px) {
  .main-nav { display: block; }
  .header-actions { margin-left: 8px; }
  .header-phone { display: inline; }
  .menu-toggle, .mobile-nav { display: none !important; }
}

/* Buttons: gold pill Apply with a shadow, quiet pill secondary */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 52px; padding: 0 26px; border-radius: 999px; border: 0; font-family: var(--display); font-weight: 600; font-size: 1rem; text-decoration: none; cursor: pointer; white-space: nowrap; transition: background-color .15s ease, color .15s ease, box-shadow .15s ease, transform .15s ease; }
.btn-apply { background: var(--gold); color: #111; box-shadow: var(--shadow-apply-light); }
.btn-apply:hover { background: var(--gold-hover); transform: translateY(-1px); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-2); }
.hero .btn-apply, .section-ink .btn-apply, .pathway.primary .btn-apply, .summary-apply .btn-apply { box-shadow: var(--shadow-apply-dark); }
.hero .btn-apply:hover, .section-ink .btn-apply:hover { box-shadow: 0 2px 4px rgba(0,0,0,.30), 0 12px 26px rgba(0,0,0,.42); }
.btn-line { background: var(--soft); color: var(--ink); }
.btn-line:hover { background: var(--soft-2); }
.btn-sm { min-height: 42px; padding: 0 20px; font-size: var(--fs-min); }
.btn-lg { min-height: 56px; padding: 0 30px; font-size: 1.0625rem; }
.btn .arrow { width: 18px; height: 18px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* Eyebrow: a soft pill with a small green status dot */
.eyebrow { justify-self: start; display: inline-flex; align-items: center; gap: 8px; padding: 6px 14px; border-radius: 999px; background: var(--soft); font-size: var(--fs-min); font-weight: 600; color: var(--navy); }
.eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--ok); flex-shrink: 0; }

/* Sections */
.section { padding-block: clamp(56px, 8vw, 96px); }
.section-wash { background: var(--soft); }
.section-ink { background: var(--navy); color: #fff; }
.section-ink h2, .section-ink h3 { color: #fff; }
.section-ink a { color: #fff; }
.section-ink .eyebrow { background: rgba(255,255,255,.1); color: #fff; }
.section-head { display: grid; gap: 14px; margin-bottom: 32px; }
.lead { font-size: var(--fs-lead); color: var(--muted); line-height: 1.55; }
.section-ink .lead { color: var(--dark-text); }
.stack { display: grid; gap: 18px; }

/* Hero: navy pinstripe band (texture in the background only) */
.hero { background: var(--pinstripe); color: #fff; padding-block: clamp(48px, 6vw, 80px) clamp(56px, 7vw, 96px); }
.hero h1, .hero h2 { color: #fff; }
.hero .lead, .hero .hero-copy > p { color: var(--band-text); }
.hero .eyebrow { background: rgba(255,255,255,.1); color: #fff; }
.hero .btn-line { background: rgba(255,255,255,.1); color: #fff; }
.hero .btn-line:hover { background: rgba(255,255,255,.16); }
.hero a:not(.btn) { color: #fff; }
.hero-grid { display: grid; gap: 40px; align-items: center; }
.hero-copy { display: grid; gap: 20px; min-width: 0; }
.hero-note { font-size: var(--fs-min); color: var(--band-text); }
.hero-note a { font-weight: 700; }
@media (min-width: 960px) { .hero-grid { grid-template-columns: 1.05fr 0.95fr; gap: 56px; } }

/* Lender box: solid lighter navy on the pinstripe, with a clear drop shadow (no texture inside) */
.lender-box { background: var(--panel); color: #fff; border-radius: 6px; padding: 28px; display: grid; gap: 20px; box-shadow: var(--shadow-box); min-width: 0; }
.lender-box .lb-title { font-size: var(--fs-min); color: var(--dark-text); letter-spacing: 0.06em; text-transform: uppercase; font-weight: 600; }
.lb-row { display: grid; gap: 8px; }
.lb-lbl { display: flex; justify-content: space-between; gap: 12px; font-weight: 500; }
.lb-lbl b { font-size: 1.75rem; font-weight: 700; font-variant-numeric: tabular-nums; line-height: 1; color: #fff; }
.lb-track { height: 12px; background: rgba(255,255,255,.14); overflow: hidden; }
.lb-track i { display: block; height: 100%; }
.lb-track.one i { width: 0.77%; min-width: 8px; background: #8d939d; }
.lb-track.many i { width: 100%; background: var(--gold); }
.lb-foot { color: var(--dark-text); border-top: 1px solid rgba(255,255,255,.16); padding-top: 16px; font-size: var(--fs-min); }

/* One-credit-pull message */
.onepull { display: grid; gap: 14px; padding: 32px; border-radius: var(--radius); background: var(--soft); border-left: 6px solid var(--navy); }
.onepull h2 { font-size: clamp(1.5rem, 1.1rem + 1.6vw, 2.125rem); }
.onepull p { font-size: var(--fs-lead); color: var(--ink); max-width: 60ch; }
.onepull .shown { font-size: var(--fs-min); color: var(--muted); font-weight: 600; }

/* For Rafie: wording picker (preview only) */
.picker { background: #fff7d9; border-bottom: 1px solid #ecd98c; }
.picker .wrap { padding-block: 28px; display: grid; gap: 16px; }
.picker h2 { font-size: 1.375rem; color: var(--ink); }
.picker > .wrap > p { color: var(--ink-2); }
.pick-list { list-style: none; padding: 0; display: grid; gap: 0; border-bottom: 1px solid #ecd98c; }
.pick-list li { margin: 0; padding: 16px 0; border-top: 1px solid #ecd98c; display: grid; gap: 6px; }
@media (min-width: 900px) { .pick-list li { grid-template-columns: 120px 1fr; column-gap: 24px; } .pick-list li > *:not(.opt) { grid-column: 2; } }
.pick-list .opt { font-weight: 700; color: var(--navy); }
.pick-list strong { font-size: 1.125rem; color: var(--navy); }

/* The wholesale claim: bold statement, no rule or bar */
.claim-band { display: grid; gap: 16px; }
.claim { color: var(--navy); font-weight: 600; font-size: clamp(1.375rem, 1rem + 1.5vw, 2rem); line-height: 1.3; letter-spacing: -0.02em; max-width: 34ch; text-wrap: balance; }

/* Divider lists replace grids of equal boxes. A "card" is one row in the list. */
.grid-2, .grid-3 { display: grid; gap: 32px; }
@media (min-width: 900px) { .wrap.grid-2 { grid-template-columns: 0.8fr 1.2fr; gap: 64px; } }
.section-head + .grid-2, .section-head + .grid-3 { gap: 0; border-bottom: 1px solid var(--line); }
.card { display: grid; gap: 10px; align-content: start; padding: 24px 0; border-top: 1px solid var(--line); min-width: 0; }
.card p { color: var(--muted); }
.card p strong { color: var(--ink); }
@media (min-width: 900px) {
  .card { grid-template-columns: 280px 1fr; column-gap: 48px; row-gap: 10px; }
  .card > h3 { grid-column: 1; grid-row: 1; }
  .card > .tag { grid-column: 1; grid-row: 2; }
  .card > p { grid-column: 2; }
}
.tag { justify-self: start; display: inline-block; font-size: var(--fs-min); font-weight: 600; padding: 3px 12px; border-radius: 999px; background: var(--soft-2); color: var(--ink); }
.section-wash .tag { background: #fff; }

/* Contact panel */
.panel { background: #fff; color: var(--ink); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-box); }

/* Two ways to start: one dark card, one light card */
.pathways { display: grid; gap: 20px; }
@media (min-width: 860px) { .pathways { grid-template-columns: 1fr 1fr; align-items: start; } }
.pathway { border-radius: var(--radius); padding: 32px; display: grid; gap: 14px; align-content: start; background: #fff; }
.pathway p { color: var(--muted); }
.pathway.primary { background: var(--navy); color: #fff; }
.pathway.primary h3 { color: #fff; }
.pathway.primary p { color: var(--dark-text); }

.pathway .btn { justify-self: start; }

/* Facts behind your file: one row each */
.facts { display: grid; gap: 0; border-bottom: 1px solid var(--line); }
.fact { display: grid; grid-template-columns: 120px 1fr; gap: 20px; align-items: baseline; padding: 18px 0; border-top: 1px solid var(--line); }
.fact strong { color: var(--navy); font-size: 1.875rem; font-weight: 700; line-height: 1.1; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.fact span { color: var(--muted); }
@media (min-width: 760px) { .fact { grid-template-columns: 200px 1fr; } .fact strong { font-size: 2.5rem; } }

/* Numbered steps, as in look C */
.steps { list-style: none; padding: 0; display: grid; gap: 0; counter-reset: step; border-bottom: 1px solid var(--line); }
.steps li { counter-increment: step; margin: 0; display: grid; grid-template-columns: 56px 1fr; gap: 18px; padding-block: 22px; border-top: 1px solid var(--line); }
.steps li::before { content: counter(step, decimal-leading-zero); font-weight: 800; color: var(--muted); font-variant-numeric: tabular-nums; }
.steps li > div { color: var(--muted); }
.steps li strong { display: block; color: var(--navy); font-size: 1.25rem; font-weight: 600; margin-bottom: 2px; }
@media (min-width: 900px) {
  .steps li { grid-template-columns: 80px 1fr; }
  .steps li > div { display: grid; grid-template-columns: 260px 1fr; gap: 18px; align-items: baseline; }
  .steps li strong { margin-bottom: 0; }
}

/* Checklist */
.checklist { list-style: none; padding: 0; display: grid; gap: 0; border-bottom: 1px solid var(--line); }
.checklist li { margin: 0; padding: 14px 0 14px 36px; position: relative; border-top: 1px solid var(--line); }
.checklist li::before { content: ""; position: absolute; left: 0; top: 16px; width: 22px; height: 22px; border-radius: 50%; background: var(--navy); }
.checklist li::after { content: ""; position: absolute; left: 7px; top: 22px; width: 8px; height: 5px; border-left: 2px solid #fff; border-bottom: 2px solid #fff; transform: rotate(-45deg); }

/* Reviews: a quiet list of quotes, not a row of boxes */
.reviews { display: grid; gap: 0; border-bottom: 1px solid var(--line); }
.review { margin: 0; display: grid; gap: 14px; padding: 28px 0; border-top: 1px solid var(--line); }
@media (min-width: 900px) { .review { grid-template-columns: 1fr 220px; gap: 48px; align-items: start; } }
.review blockquote { margin: 0; font-size: 1.125rem; line-height: 1.6; max-width: 70ch; }
.review figcaption { font-weight: 700; font-size: var(--fs-min); display: flex; gap: 12px; flex-wrap: wrap; }
@media (min-width: 900px) { .review figcaption { flex-direction: column; gap: 4px; } }
.stars span { color: var(--gold); letter-spacing: 2px; }
.review-src { margin-top: 18px; font-size: var(--fs-min); color: var(--muted); }

/* About: the owner page, the one place for his photo and story */
.about-grid { display: grid; gap: 36px; align-items: start; }
@media (min-width: 900px) { .about-grid { grid-template-columns: 0.7fr 1.3fr; gap: 56px; } }
.portrait { margin: 0; max-width: 320px; }
.portrait img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow-box); }
.portrait figcaption { margin-top: 12px; font-size: var(--fs-min); font-weight: 600; color: var(--muted); }
.about-grid .hero-copy > p:not(.lead) { color: var(--muted); }

/* Contact */
.contact-list { display: grid; gap: 18px; }
.contact-item { display: grid; gap: 4px; }
.contact-item .label { font-size: var(--fs-min); font-weight: 600; color: var(--muted); }
.contact-item .value { color: var(--navy); font-size: 1.5rem; font-weight: 700; letter-spacing: -0.02em; word-break: break-word; text-decoration: none; }

/* Prose pages (privacy, terms, accessibility) */
.prose { display: grid; gap: 16px; max-width: 72ch; }
.prose h2 { font-size: 1.5rem; margin-top: 18px; letter-spacing: -0.02em; }
.prose ul { display: grid; gap: 6px; }
.page-head { padding-block: clamp(40px, 6vw, 72px) 8px; }
.page-head .lead { margin-top: 14px; }
.page-head .hero-copy { gap: 20px; }

/* CTA band */
.cta-band .wrap { display: grid; gap: 22px; align-items: center; }
@media (min-width: 900px) { .cta-band .wrap { grid-template-columns: 1fr auto; } }
.cta-band { background: var(--pinstripe); }
.cta-band .btn-line { background: rgba(255,255,255,.1); color: #fff; }
.cta-band .btn-line:hover { background: rgba(255,255,255,.16); }

/* Footer: navy */
.site-footer { background: var(--navy); color: var(--dark-text); font-size: var(--fs-min); }
.site-footer a { color: var(--dark-text); }
.site-footer .wrap { padding-block: 8px 36px; display: grid; gap: 28px; }
.site-footer .brand-name { color: #fff; }
.footer-top { display: grid; gap: 24px; padding-top: 44px; }
@media (min-width: 820px) { .footer-top { grid-template-columns: 1.1fr 1fr 1fr; } }
.footer-brand { display: grid; gap: 10px; align-content: start; }
.footer-brand .brand { justify-self: start; }
.footer-col h2 { font-size: var(--fs-min); font-weight: 700; color: #fff; letter-spacing: 0; margin-bottom: 10px; }
.footer-col ul { list-style: none; padding: 0; display: grid; gap: 6px; }
.footer-col li + li { margin-top: 0; }
.footer-col a { text-decoration: none; }
.footer-col a:hover { color: #fff; text-decoration: underline; }
.footer-legal { border-top: 1px solid var(--dark-line); padding-top: 22px; display: grid; gap: 10px; }
.license-line { font-size: var(--fs-min); font-weight: 600; color: #fff; }
.eho { display: flex; align-items: center; gap: 10px; }
.eho svg { width: 32px; height: 32px; flex-shrink: 0; }
.site-footer .eho path { fill: var(--dark-text); }
.site-footer .eho rect { fill: var(--navy); }

/* Sticky Apply bar on phones */
.sticky-apply { position: fixed; left: 0; right: 0; bottom: 0; z-index: 25; background: rgba(255,255,255,0.97); backdrop-filter: blur(10px); border-top: 1px solid var(--line);
  padding: 10px max(16px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px));
  display: grid; grid-template-columns: auto 1fr; gap: 10px; }
.sticky-apply .btn { min-height: 50px; padding: 0 18px; }
body { padding-bottom: 76px; }
@media (min-width: 1000px) { .sticky-apply { display: none; } body { padding-bottom: 0; } }

/* Questionnaire */
.quiz-shell { max-width: 860px; margin: 0 auto; }
.quiz-card { scroll-margin-top: 110px; background: #fff; color: var(--ink); border: 0; border-radius: var(--radius); box-shadow: var(--shadow-box); overflow: hidden; }
.quiz-top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; padding: 14px 20px; background: var(--soft); }
.quiz-progress { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: var(--fs-min); }
.quiz-dots { display: flex; gap: 6px; }
.quiz-dots i { width: 28px; height: 6px; border-radius: 999px; background: var(--soft-2); }
.quiz-dots i.on { background: var(--navy); }
.quiz-dots i.now { background: var(--muted); }
.quiz-body { padding: clamp(22px, 4vw, 40px); display: grid; gap: 22px; }
.quiz-body h2 { font-size: clamp(1.5rem, 1.1rem + 1.6vw, 2.125rem); }
/* Choices are stacked rows, not a grid of boxes */
.choice-grid { display: grid; gap: 10px; }
.choice { text-align: left; display: grid; grid-template-columns: 1fr auto; gap: 2px 16px; align-items: center; padding: 16px 20px; border: 0; border-radius: 16px; background: var(--soft); color: var(--ink); cursor: pointer; font: inherit; text-decoration: none; transition: background-color .15s ease; }
.choice::after { content: "\2192"; grid-column: 2; grid-row: 1 / span 2; font-weight: 700; color: var(--muted); }
.choice strong { font-size: 1.0625rem; font-weight: 700; }
.choice span { color: var(--muted); font-size: var(--fs-min); }
.choice:hover { background: var(--soft-2); }
.choice[aria-pressed="true"] { background: var(--navy); color: #fff; }
.choice[aria-pressed="true"] span, .choice[aria-pressed="true"]::after { color: var(--dark-text); }
.pathway .choice { background: var(--soft); }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { padding: 10px 18px; border: 0; border-radius: 999px; background: var(--soft); color: var(--ink); font-family: var(--display); font-weight: 600; font-size: var(--fs-min); cursor: pointer; }
.chip:hover { background: var(--soft-2); }
.chip[aria-pressed="true"] { background: var(--navy); color: #fff; }
.field { display: grid; gap: 8px; }
.field label, .field .label { font-weight: 700; font-size: 1rem; }
.field .hint { font-size: var(--fs-min); color: var(--muted); }
.field input[type="text"], .field input[type="email"], .field input[type="tel"] { width: 100%; min-height: 52px; padding: 10px 16px; border: 1px solid #cdd2da; border-radius: 14px; font: inherit; color: var(--ink); background: #fff; }
.field input:focus { outline: 3px solid #1a5fd0; outline-offset: 1px; border-color: transparent; }
.field-row { display: grid; gap: 16px; }
@media (min-width: 640px) { .field-row { grid-template-columns: 1fr 1fr; } }
.consent { display: grid; grid-template-columns: 26px 1fr; gap: 12px; align-items: start; padding: 16px; border-radius: 14px; background: var(--soft); font-size: var(--fs-min); line-height: 1.5; }
.consent input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--navy); }
.form-error { color: var(--error); font-weight: 700; font-size: var(--fs-min); }
.quiz-nav { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; align-items: center; }
.link-btn { background: none; border: 0; padding: 8px 0; font: inherit; font-weight: 700; color: var(--ink); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.summary { display: grid; gap: 24px; }
.summary-block { display: grid; gap: 12px; }
.summary-block > h3 { font-size: 1.125rem; }
.you-said { display: flex; flex-wrap: wrap; gap: 8px; }
.you-said span { background: var(--soft); border-radius: 999px; padding: 4px 12px; font-size: var(--fs-min); font-weight: 600; }
.loan-fit { display: grid; gap: 0; border-bottom: 1px solid var(--line); }
.loan-fit .card { grid-template-columns: 1fr; padding: 18px 0; }
.loan-fit .card > * { grid-column: auto; grid-row: auto; }
.summary-apply { border-radius: var(--radius); background: var(--navy); color: #fff; padding: 22px; display: grid; gap: 12px; }
.summary-apply .btn-apply { justify-self: start; }
.json-out { background: var(--ink); color: #e6e8ec; border-radius: 14px; padding: 18px; overflow-x: auto; font-family: var(--mono); font-size: var(--fs-min); line-height: 1.5; white-space: pre-wrap; overflow-wrap: anywhere; }
.done-banner { display: grid; gap: 8px; padding: 18px 20px; border-radius: 16px; background: #e9f6ef; }
.done-banner strong { color: #13703c; font-size: 1.125rem; }
.quiz-start { display: grid; gap: 12px; }

@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }

/* Narrow phones: keep logo, header Apply and menu on one line */
@media (max-width: 479px) {
  .site-header .wrap { gap: 8px; }
  .header-actions { gap: 8px; }
  .brand { gap: 8px; }
  .brand img { width: 30px; }
  .brand-name { font-size: 1.0625rem; }
  .site-header .btn-sm { padding: 0 16px; }
  .site-header .btn .arrow { display: none; }
}

/* White cards that sit inside the navy hero keep dark text */
.hero .quiz-card h2, .hero .quiz-card h3, .hero .panel h2, .hero .panel h3 { color: var(--navy); }
.hero .quiz-card .lead { color: var(--muted); }
.hero .quiz-card a:not(.btn), .hero .panel a:not(.btn) { color: var(--navy); }
.hero .panel .contact-item .label { color: var(--muted); }
.hero .about-grid .hero-copy > p:not(.lead) { color: var(--band-text); }
.hero .portrait figcaption { color: var(--band-text); }

/* One-stop shop: program names as a two-column divider list */
.program-list { list-style: none; padding: 0; margin: 0; columns: 2 220px; column-gap: 32px; }
.program-list li { margin: 0; break-inside: avoid; border-top: 1px solid var(--line); }
.program-list a { display: block; padding: 12px 0; font-weight: 600; color: var(--navy); text-decoration: none; }
.program-list a:hover { text-decoration: underline; }

/* Free tools: three rows, not boxes */
.tool-list { list-style: none; padding: 0; margin: 0; border-bottom: 1px solid var(--line); }
.tool-list li { margin: 0; border-top: 1px solid var(--line); }
.tool-list a { display: grid; gap: 4px; padding: 20px 40px 20px 0; position: relative; text-decoration: none; color: var(--ink); }
@media (min-width: 900px) { .tool-list a { grid-template-columns: 280px 1fr; gap: 48px; align-items: baseline; } }
.tool-list a::after { content: "\2192"; position: absolute; right: 4px; top: 20px; font-weight: 700; color: var(--navy); }
.tool-list strong { color: var(--navy); font-size: 1.25rem; font-weight: 600; }
.tool-list span { color: var(--muted); }
.tool-list a:hover strong { text-decoration: underline; }

/* Video */
.video { position: relative; aspect-ratio: 16 / 9; max-width: 900px; border-radius: var(--radius); overflow: hidden; background: var(--navy); box-shadow: var(--shadow-box); }
.video iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-link { margin-top: 14px; font-size: var(--fs-min); }

/* Six menu items: keep each on one line; desktop menu from 1100px, phone number from 1240px */
.main-nav a { white-space: nowrap; padding: 8px 11px; }
@media (min-width: 1000px) and (max-width: 1099px) {
  .main-nav { display: none; }
  .header-actions { margin-left: auto; }
  .menu-toggle { display: inline-flex !important; }
  .mobile-nav:not([hidden]) { display: block !important; }
}
@media (max-width: 1239px) { .header-phone { display: none !important; } }

/* Preview-only stand-in for the video player */
.video-panel { display: grid; place-content: center; justify-items: center; gap: 10px; text-decoration: none; color: #fff; background: var(--pinstripe); text-align: center; padding: 16px; }
.video-panel .play { width: 76px; height: 76px; border-radius: 50%; background: var(--gold); box-shadow: var(--shadow-apply-dark); position: relative; }
.video-panel .play::after { content: ""; position: absolute; left: 31px; top: 24px; border-left: 22px solid #111; border-top: 14px solid transparent; border-bottom: 14px solid transparent; }
.video-panel span:not(.play) { font-weight: 600; font-size: 1.125rem; }
.video-panel small { color: var(--band-text); font-size: var(--fs-min); }