/* ==========================================================================
   OwnMG — The Own Mortgage Guide
   Hand-written stylesheet. Charcoal, champagne gold, warm white and taupe.
   Spacing follows an 8px rhythm; type is fluid with clamp().
   ========================================================================== */

:root {
  --charcoal: #1C1D21;
  --charcoal-2: #25262B;
  --charcoal-3: #2F3036;
  --gold: #C8A97E;
  --gold-light: #D8C09C;
  --gold-soft: #E7D8C1;
  --gold-ink: #7D6036;
  --paper: #FBFAF7;
  --paper-2: #F4EFE6;
  --paper-3: #ECE5D8;
  --white: #FFFFFF;
  --taupe: #8C8177;
  --muted: #6B625A;
  --text: #2B2C31;
  --on-dark: #F3EEE6;
  --on-dark-muted: #B5ACA2;
  --line: #E6DFD4;
  --line-strong: #D6CCBD;
  --line-dark: rgba(200, 169, 126, 0.2);

  --serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --sans: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --s-1: 8px;
  --s-2: 16px;
  --s-3: 24px;
  --s-4: 32px;
  --s-5: 40px;
  --s-6: 48px;
  --s-7: 56px;
  --s-8: 64px;
  --s-10: 80px;
  --s-12: 96px;
  --s-16: 128px;

  --r-sm: 12px;
  --r-md: 16px;
  --r-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(28, 29, 33, 0.05), 0 4px 14px -6px rgba(28, 29, 33, 0.1);
  --shadow-md: 0 2px 4px rgba(28, 29, 33, 0.04), 0 22px 44px -22px rgba(28, 29, 33, 0.32);
  --shadow-lg: 0 4px 10px rgba(28, 29, 33, 0.05), 0 44px 88px -36px rgba(28, 29, 33, 0.45);

  --container: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --header-h: 72px;
  --section: clamp(64px, 9vw, 128px);
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 24px);
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: var(--sans);
  font-size: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}

img, svg { display: block; max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.1;
  letter-spacing: -0.005em;
  margin: 0 0 var(--s-2);
  text-wrap: balance;
}
h1 { font-size: clamp(2.5rem, 1.7rem + 3.4vw, 4.5rem); font-weight: 500; line-height: 1.04; }
h2 { font-size: clamp(2rem, 1.55rem + 1.9vw, 3.125rem); font-weight: 500; }
h3 { font-size: clamp(1.375rem, 1.2rem + 0.7vw, 1.75rem); }

p { margin: 0 0 var(--s-2); }
ul, ol { margin: 0 0 var(--s-2); }

a {
  color: var(--gold-ink);
  text-decoration-line: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.2em;
  transition: color 0.2s var(--ease), text-decoration-color 0.2s var(--ease);
}
a:hover { color: var(--charcoal); }

:focus-visible {
  outline: 2px solid var(--gold-ink);
  outline-offset: 3px;
  border-radius: 4px;
}
main:focus { outline: none; }

::selection { background: var(--gold-soft); color: var(--charcoal); }

strong { font-weight: 700; }

.sr-only {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  z-index: 300;
  padding: 12px 20px;
  background: var(--charcoal);
  color: var(--paper);
  border-radius: var(--r-sm);
  font-weight: 600;
  text-decoration: none;
  transition: top 0.2s var(--ease);
}
.skip-link:focus { top: 16px; color: var(--paper); outline-color: var(--gold); }

/* ---------- layout helpers ---------- */
.container {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container-narrow { max-width: calc(780px + var(--gutter) * 2); }

.section { padding-block: var(--section); }
.section-tight { padding-block: var(--s-6) var(--section); }
.section-tint { background: var(--paper-2); }
.section-dark { background: var(--charcoal); color: var(--on-dark); }
.section-dark h2, .section-dark h3 { color: var(--paper); }
.section-dark a { color: var(--gold); }
.section-dark a:hover { color: var(--paper); }
.section-dark :focus-visible { outline-color: var(--gold); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin: 0 0 var(--s-2);
  font-family: var(--sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-ink);
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: currentColor;
  opacity: 0.8;
}
.section-dark .eyebrow, .hero .eyebrow, .page-hero .eyebrow, .signup-band .eyebrow, .cta-band .eyebrow { color: var(--gold); }

.lede {
  font-size: clamp(1.125rem, 1.04rem + 0.4vw, 1.3125rem);
  line-height: 1.6;
  color: var(--text);
}
.muted { color: var(--muted); }

.section-head {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: var(--s-2) var(--s-6);
  margin-bottom: var(--s-6);
}
.section-head h2 { margin-bottom: 0; max-width: 640px; }
.section-head > p { max-width: 460px; margin: 0; color: var(--muted); }

.center-row { display: flex; justify-content: center; margin-top: var(--s-6); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: var(--s-4); }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--charcoal);
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
}
.link-arrow span { transition: transform 0.3s var(--ease); }
.link-arrow:hover { color: var(--gold-ink); }
.link-arrow:hover span { transform: translateX(4px); }
.section-dark .link-arrow { color: var(--paper); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 12px 24px;
  border: 1px solid transparent;
  border-radius: var(--r-sm);
  font-family: var(--sans);
  font-size: 0.9375rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease),
    transform 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.btn .arrow { transition: transform 0.25s var(--ease); }
.btn:hover .arrow { transform: translateX(3px); }
.btn:active { transform: translateY(1px); }
.btn[disabled] { opacity: 0.7; cursor: progress; }

.btn-gold { background: var(--gold); color: var(--charcoal); }
.btn-gold:hover { background: var(--gold-light); color: var(--charcoal); box-shadow: 0 12px 28px -14px rgba(200, 169, 126, 0.9); }
.btn-dark { background: var(--charcoal); color: var(--paper); }
.btn-dark:hover { background: #000; color: var(--paper); box-shadow: 0 12px 28px -16px rgba(28, 29, 33, 0.8); }
.btn-outline { border-color: var(--line-strong); color: var(--charcoal); background: transparent; }
.btn-outline:hover { border-color: var(--charcoal); background: var(--charcoal); color: var(--paper); }
.btn-ghost { border-color: rgba(251, 250, 247, 0.4); color: var(--paper); background: rgba(251, 250, 247, 0.04); }
.btn-ghost:hover { border-color: var(--paper); background: rgba(251, 250, 247, 0.12); color: var(--paper); }
.btn-sm { min-height: 40px; padding: 8px 18px; font-size: 0.875rem; }
.btn-block { width: 100%; }

/* ---------- header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(251, 250, 247, 0.8);
  -webkit-backdrop-filter: saturate(160%) blur(18px);
  backdrop-filter: saturate(160%) blur(18px);
  border-bottom: 1px solid rgba(214, 204, 189, 0.55);
  transition: box-shadow 0.3s var(--ease), background-color 0.3s var(--ease);
}
.site-header.is-scrolled {
  background: rgba(251, 250, 247, 0.9);
  box-shadow: 0 10px 30px -20px rgba(28, 29, 33, 0.45);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-3);
  min-height: var(--header-h);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--charcoal);
  text-decoration: none;
}
.brand:hover { color: var(--charcoal); }
.brand-mark { width: 38px; height: 38px; flex: none; }
.brand-mark .mark-bg { fill: var(--charcoal); }
.brand-word {
  font-family: var(--serif);
  font-size: 1.75rem;
  font-weight: 600;
  line-height: 1;
  letter-spacing: 0.01em;
}
.brand-word span { color: var(--gold-ink); }

.site-nav { display: flex; align-items: center; gap: var(--s-5); }
.nav-list {
  display: flex;
  align-items: center;
  gap: var(--s-4);
  margin: 0;
  padding: 0;
  list-style: none;
}
.nav-list a {
  position: relative;
  display: inline-block;
  padding: 8px 0;
  color: var(--text);
  font-size: 0.9375rem;
  font-weight: 500;
  text-decoration: none;
}
.nav-list a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 2px;
  height: 1px;
  background: var(--gold-ink);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s var(--ease);
}
.nav-list a:hover { color: var(--charcoal); }
.nav-list a:hover::after,
.nav-list a[aria-current="page"]::after,
.nav-list a.is-active::after { transform: scaleX(1); }
.nav-list a[aria-current="page"], .nav-list a.is-active { color: var(--charcoal); font-weight: 600; }

.nav-toggle { display: none; }

@media (max-width: 899px) {
  .nav-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    padding: 0;
    border: 1px solid var(--line-strong);
    border-radius: var(--r-sm);
    background: transparent;
    color: var(--charcoal);
    cursor: pointer;
  }
  .nav-toggle-bars,
  .nav-toggle-bars::before,
  .nav-toggle-bars::after {
    display: block;
    width: 18px;
    height: 1.5px;
    background: currentColor;
    border-radius: 2px;
    transition: transform 0.3s var(--ease), background-color 0.2s;
  }
  .nav-toggle-bars { position: relative; }
  .nav-toggle-bars::before, .nav-toggle-bars::after { content: ""; position: absolute; left: 0; }
  .nav-toggle-bars::before { top: -6px; }
  .nav-toggle-bars::after { top: 6px; }
  .nav-open .nav-toggle-bars { background: transparent; }
  .nav-open .nav-toggle-bars::before { transform: translateY(6px) rotate(45deg); }
  .nav-open .nav-toggle-bars::after { transform: translateY(-6px) rotate(-45deg); }

  .site-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: var(--s-2);
    padding: var(--s-1) var(--gutter) var(--s-3);
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 24px 40px -24px rgba(28, 29, 33, 0.35);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0s linear 0.25s;
  }
  .nav-open .site-nav {
    opacity: 1;
    visibility: visible;
    transform: none;
    transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0s;
  }
  .nav-list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav-list a {
    display: block;
    padding: 14px 0;
    border-bottom: 1px solid var(--line);
    font-size: 1.0625rem;
  }
  .nav-list a::after { display: none; }
  .nav-list a[aria-current="page"], .nav-list a.is-active { color: var(--gold-ink); }
  .nav-cta { width: 100%; min-height: 48px; margin-top: var(--s-1); }
}

/* ---------- home hero ---------- */
.hero {
  position: relative;
  isolation: isolate;
  display: flex;
  align-items: flex-end;
  min-height: clamp(600px, calc(100vh - var(--header-h)), 880px);
  overflow: hidden;
  background: var(--charcoal);
  color: var(--on-dark);
}
.hero-media, .page-hero .hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 55%;
}
.hero .hero-img { animation: hero-settle 14s var(--ease) both; }
@keyframes hero-settle { from { transform: scale(1.06); } to { transform: scale(1); } }
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(96deg, rgba(28, 29, 33, 0.94) 0%, rgba(28, 29, 33, 0.78) 34%, rgba(28, 29, 33, 0.3) 70%, rgba(28, 29, 33, 0.12) 100%),
    linear-gradient(0deg, rgba(28, 29, 33, 0.75) 0%, rgba(28, 29, 33, 0) 42%);
}
.hero-inner { padding-block: clamp(88px, 12vh, 144px) var(--s-5); }
.hero-content { max-width: 740px; }
.hero h1 {
  color: var(--paper);
  font-size: clamp(2.75rem, 1.5rem + 5vw, 5.75rem);
  line-height: 1;
  letter-spacing: -0.012em;
  margin-bottom: var(--s-3);
}
.hero h1 em { font-style: italic; font-weight: 500; color: var(--gold); }
.hero-lede {
  max-width: 580px;
  margin-bottom: var(--s-5);
  color: rgba(243, 238, 230, 0.9);
  font-size: clamp(1.0625rem, 1rem + 0.35vw, 1.25rem);
  line-height: 1.65;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }

.hero-index { margin-top: clamp(48px, 9vh, 96px); border-top: 1px solid rgba(200, 169, 126, 0.3); }
.hero-index ol {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  margin: 0;
  padding: 0;
  list-style: none;
}
.hero-index a {
  display: flex;
  flex-direction: column;
  gap: 4px;
  height: 100%;
  padding: var(--s-3) var(--s-2) 0 0;
  color: rgba(243, 238, 230, 0.86);
  font-size: 0.875rem;
  font-weight: 500;
  line-height: 1.4;
  text-decoration: none;
  transition: color 0.25s var(--ease);
}
.hero-index .num {
  font-family: var(--serif);
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--gold);
  transition: transform 0.3s var(--ease);
}
.hero-index a:hover { color: var(--paper); }
.hero-index a:hover .num { transform: translateY(-2px); }
.hero :focus-visible { outline-color: var(--gold); }

@media (max-width: 1023px) {
  .hero-index ol { grid-template-columns: repeat(3, minmax(0, 1fr)); row-gap: var(--s-1); }
}
@media (max-width: 699px) {
  .hero { min-height: auto; }
  .hero::before {
    background: linear-gradient(180deg, rgba(28, 29, 33, 0.6) 0%, rgba(28, 29, 33, 0.8) 45%, rgba(28, 29, 33, 0.95) 100%);
  }
  .hero-inner { padding-block: var(--s-12) var(--s-6); }
  .hero-index { display: none; }
  .hero-actions .btn { flex: 1 1 100%; }
}

/* ---------- interior page hero ---------- */
.page-hero {
  position: relative;
  isolation: isolate;
  display: flex;
  align-items: flex-end;
  min-height: clamp(400px, 56vh, 560px);
  overflow: hidden;
  background: var(--charcoal);
  color: var(--on-dark);
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(0deg, rgba(28, 29, 33, 0.92) 0%, rgba(28, 29, 33, 0.55) 55%, rgba(28, 29, 33, 0.35) 100%),
    linear-gradient(90deg, rgba(28, 29, 33, 0.55) 0%, rgba(28, 29, 33, 0) 70%);
}
.page-hero-content { max-width: 780px; padding-block: var(--s-12) var(--s-8); }
.page-hero h1 { color: var(--paper); }
.page-hero-content > p:last-child {
  max-width: 620px;
  margin: 0;
  color: rgba(243, 238, 230, 0.9);
  font-size: clamp(1.0625rem, 1rem + 0.35vw, 1.25rem);
}

/* ---------- page intro (no image) ---------- */
.page-intro {
  padding-block: clamp(56px, 8vw, 104px) var(--s-4);
  background: linear-gradient(180deg, var(--paper-2) 0%, var(--paper) 100%);
}
.page-intro h1 { max-width: 860px; }
.page-intro .lede { max-width: 680px; color: var(--muted); margin: 0; }
.legal-updated {
  display: inline-block;
  margin: 0;
  padding: 6px 14px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
}

/* ---------- breadcrumb ---------- */
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 8px;
  margin: 0 0 var(--s-4);
  padding: 0;
  list-style: none;
  font-size: 0.8125rem;
  color: var(--muted);
}
.breadcrumb li + li::before { content: "/"; margin-right: 8px; color: var(--taupe); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--charcoal); text-decoration: underline; }
.breadcrumb [aria-current] { color: var(--charcoal); font-weight: 600; }
.breadcrumb-light ol, .breadcrumb-light a { color: rgba(243, 238, 230, 0.78); }
.breadcrumb-light a:hover, .breadcrumb-light [aria-current] { color: var(--paper); }
.breadcrumb-light li + li::before { color: rgba(200, 169, 126, 0.8); }

/* ---------- intro / value ---------- */
.intro-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-4);
}
.intro-grid h2 { margin: 0; }
.intro-copy .lede { margin-bottom: var(--s-3); }
.intro-copy p { color: var(--text); }
.intro-copy .link-arrow { margin-top: var(--s-1); }
@media (min-width: 900px) {
  .intro-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: var(--s-12); }
}

.pillars {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-4);
  margin-top: var(--s-10);
}
@media (min-width: 720px) { .pillars { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s-5); } }
.pillar { padding-top: var(--s-4); border-top: 1px solid var(--line-strong); }
.pillar .icon { width: 40px; height: 40px; margin-bottom: var(--s-3); color: var(--gold-ink); }
.pillar h3 { margin-bottom: var(--s-1); font-size: 1.5rem; }
.pillar p { margin: 0; color: var(--muted); font-size: 0.9375rem; }

/* ---------- guide cards ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 320px), 1fr));
  gap: var(--s-4);
}
.card {
  position: relative;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.5s var(--ease);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold-soft); }
.card:focus-within { outline: 2px solid var(--gold-ink); outline-offset: 3px; }
.card-media { aspect-ratio: 3 / 2; overflow: hidden; background: var(--paper-3); }
.card-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.9s var(--ease); }
.card:hover .card-media img { transform: scale(1.05); }
.card-body { display: flex; flex: 1; flex-direction: column; padding: var(--s-3) var(--s-3) var(--s-3); }
.card-kicker {
  margin: 0 0 12px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-ink);
}
.card-title { margin-bottom: 12px; font-size: 1.625rem; line-height: 1.15; }
.card-title a { color: var(--charcoal); text-decoration: none; }
.card-title a::after { content: ""; position: absolute; inset: 0; }
.card-title a:focus-visible { outline: none; }
.card-text { margin-bottom: var(--s-3); color: var(--muted); font-size: 0.9375rem; line-height: 1.6; }
.card-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-2);
  margin-top: auto;
  padding-top: var(--s-2);
  border-top: 1px solid var(--line);
  font-size: 0.8125rem;
  color: var(--muted);
}
.card-more { font-weight: 600; color: var(--charcoal); transition: color 0.25s var(--ease); }
.card:hover .card-more { color: var(--gold-ink); }

/* ---------- reading path (dark) ---------- */
.path-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
  align-items: center;
}
@media (min-width: 960px) { .path-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: var(--s-10); } }
.path-media { margin: 0; position: relative; }
.path-media::after {
  content: "";
  position: absolute;
  inset: 16px -16px -16px 16px;
  z-index: -1;
  border: 1px solid rgba(200, 169, 126, 0.45);
  border-radius: var(--r-lg);
}
.path-media { isolation: isolate; }
.path-img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--shadow-lg); }
@media (max-width: 959px) { .path-img { aspect-ratio: 16 / 10; } .path-media::after { inset: 12px -8px -12px 8px; } }
.path-intro { color: var(--on-dark-muted); max-width: 560px; margin-bottom: var(--s-4); }
.path-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line-dark); }
.path-list a {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: var(--s-3);
  padding: 18px 4px;
  border-bottom: 1px solid var(--line-dark);
  color: var(--on-dark);
  text-decoration: none;
  transition: background-color 0.3s var(--ease), padding 0.3s var(--ease);
}
.path-list a:hover { background: rgba(200, 169, 126, 0.06); padding-inline: 12px; color: var(--paper); }
.path-num { font-family: var(--serif); font-size: 1.625rem; font-weight: 600; color: var(--gold); min-width: 2ch; }
.path-text { display: flex; flex-direction: column; gap: 2px; }
.path-title { font-family: var(--serif); font-size: 1.375rem; font-weight: 600; line-height: 1.2; color: var(--paper); }
.path-note { font-size: 0.8125rem; color: var(--on-dark-muted); }
.path-arrow { color: var(--gold); transition: transform 0.3s var(--ease); }
.path-list a:hover .path-arrow { transform: translateX(4px); }

/* ---------- editorial standards ---------- */
.standards-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
}
@media (min-width: 960px) {
  .standards-grid { grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: var(--s-12); }
  .standards-intro { position: sticky; top: calc(var(--header-h) + 48px); align-self: start; }
}
.standards-intro p { color: var(--muted); max-width: 440px; }
.standards-list {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-3);
  margin: 0;
  padding: 0;
  list-style: none;
}
@media (min-width: 640px) { .standards-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.standards-list li {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  padding: var(--s-4);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease);
}
.standards-list li:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.numeral {
  font-family: var(--serif);
  font-size: 2.25rem;
  font-style: italic;
  font-weight: 500;
  line-height: 1;
  color: var(--gold);
}
.standards-list h3 { margin-bottom: var(--s-1); font-size: 1.5rem; }
.standards-list p { margin: 0; color: var(--muted); font-size: 0.9375rem; }

/* ---------- sign-up band (home) ---------- */
.signup-band {
  position: relative;
  padding-block: var(--section);
  background:
    radial-gradient(900px 480px at 88% 10%, rgba(200, 169, 126, 0.16), transparent 60%),
    var(--charcoal);
  color: var(--on-dark);
  overflow: hidden;
}
.signup-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
  align-items: center;
}
@media (min-width: 960px) { .signup-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: var(--s-10); } }
.signup-copy h2 { color: var(--paper); }
.signup-copy > p { color: var(--on-dark-muted); max-width: 480px; }
.signup-card {
  padding: clamp(24px, 4vw, 40px);
  background: var(--paper);
  color: var(--text);
  border-radius: var(--r-lg);
  box-shadow: 0 40px 80px -40px rgba(0, 0, 0, 0.7);
}
.signup-card-title { margin-bottom: var(--s-3); font-size: 1.75rem; }

.tick-list { margin: var(--s-3) 0 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.tick-list li { position: relative; padding-left: 32px; }
.tick-list li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 0.5em;
  width: 14px;
  height: 7px;
  border-left: 2px solid var(--gold-ink);
  border-bottom: 2px solid var(--gold-ink);
  transform: rotate(-45deg);
}
.tick-list-dark li { color: var(--on-dark); }
.tick-list-dark li::before { border-color: var(--gold); }
.tick-list-sm { margin-top: var(--s-1); font-size: 0.9375rem; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band {
  padding-block: clamp(56px, 7vw, 88px);
  background:
    radial-gradient(700px 360px at 12% 0%, rgba(200, 169, 126, 0.16), transparent 60%),
    var(--charcoal);
  color: var(--on-dark);
}
.cta-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-4);
}
.cta-copy { max-width: 640px; }
.cta-copy h2 { color: var(--paper); font-size: clamp(1.875rem, 1.5rem + 1.5vw, 2.625rem); }
.cta-copy p { margin: 0; color: var(--on-dark-muted); }
.cta-band :focus-visible { outline-color: var(--gold); }

/* ---------- forms ---------- */
.form { display: grid; gap: var(--s-3); }
.field-row { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-3); }
@media (min-width: 560px) { .field-row { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.field { display: grid; gap: 8px; }
.field label { font-size: 0.875rem; font-weight: 600; color: var(--charcoal); }
.req { color: var(--gold-ink); }
.opt { font-weight: 500; color: var(--muted); }
.field input, .field textarea {
  width: 100%;
  min-height: 52px;
  padding: 13px 16px;
  font: inherit;
  font-size: 1rem;
  color: var(--charcoal);
  background: var(--white);
  border: 1px solid var(--line-strong);
  border-radius: var(--r-sm);
  box-shadow: inset 0 1px 2px rgba(28, 29, 33, 0.04);
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
  -webkit-appearance: none;
  appearance: none;
}
.field textarea { min-height: 168px; resize: vertical; line-height: 1.6; }
.field input:hover, .field textarea:hover { border-color: var(--taupe); }
.field input:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold-ink);
  box-shadow: 0 0 0 4px rgba(200, 169, 126, 0.3);
}

.check {
  display: grid;
  grid-template-columns: 22px minmax(0, 1fr);
  gap: 12px;
  align-items: start;
  font-size: 0.8125rem;
  line-height: 1.6;
  color: var(--muted);
}
.check input {
  -webkit-appearance: none;
  appearance: none;
  display: grid;
  place-content: center;
  width: 22px;
  height: 22px;
  margin: 1px 0 0;
  background: var(--white);
  border: 1.5px solid #B3A898;
  border-radius: 6px;
  cursor: pointer;
  transition: background-color 0.2s var(--ease), border-color 0.2s var(--ease);
}
.check input::before {
  content: "";
  width: 11px;
  height: 6px;
  margin-top: -3px;
  border-left: 2px solid var(--charcoal);
  border-bottom: 2px solid var(--charcoal);
  transform: rotate(-45deg) scale(0);
  transition: transform 0.18s var(--ease);
}
.check input:hover { border-color: var(--gold-ink); }
.check input:checked { background: var(--gold); border-color: var(--gold); }
.check input:checked::before { transform: rotate(-45deg) scale(1); }
.check input:focus-visible { outline: 2px solid var(--gold-ink); outline-offset: 2px; }
.check label { cursor: pointer; }
.check a { color: var(--gold-ink); font-weight: 600; }

.form-note { margin: 0; font-size: 0.8125rem; color: var(--muted); }

.form-status {
  padding: 14px 16px;
  border-radius: var(--r-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  line-height: 1.5;
}
.form-status:empty { display: none; }
.form-status.is-success { background: #EDF3EA; color: #2C4E2D; border: 1px solid #C9DCC4; }
.form-status.is-error { background: #F9ECE9; color: #8A2A1F; border: 1px solid #EAC9C2; }

/* honeypot: kept in the form, removed from view and from assistive technology */
.hp {
  position: absolute !important;
  left: -10000px !important;
  top: auto !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

/* ---------- contact / sign-up layout ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-4);
  align-items: start;
}
@media (min-width: 960px) {
  .contact-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: var(--s-8); }
  .form-card { position: sticky; top: calc(var(--header-h) + 32px); }
}
.contact-aside { display: grid; gap: var(--s-3); }
@media (max-width: 959px) { .contact-aside { order: 2; } }
.contact-media { margin: 0; }
.contact-img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--shadow-md); }
.info-card {
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr);
  gap: var(--s-2);
  padding: var(--s-3);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
}
.info-card .icon {
  width: 44px;
  height: 44px;
  padding: 10px;
  color: var(--gold-ink);
  background: var(--paper-2);
  border-radius: var(--r-sm);
}
.info-title { margin: 4px 0 8px; font-family: var(--sans); font-size: 0.8125rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--charcoal); }
.info-card p { margin: 0 0 6px; font-size: 0.9375rem; }
.info-card p:last-child { margin-bottom: 0; }
.big-link { font-family: var(--serif); font-size: 1.625rem; font-weight: 600; color: var(--charcoal); text-decoration: none; border-bottom: 1px solid var(--gold); }
.big-link:hover { color: var(--gold-ink); }
.form-card {
  padding: clamp(24px, 4vw, 48px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
}
.form-card-title { margin-bottom: 8px; font-size: clamp(1.75rem, 1.5rem + 1vw, 2.25rem); }
.form-card-intro { margin-bottom: var(--s-4); font-size: 0.9375rem; }

/* ---------- about page ---------- */
.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
  align-items: center;
}
@media (min-width: 960px) { .split { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--s-10); } }
.split-media { margin: 0; }
.split-img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--shadow-lg); }
.split-body .tick-list { margin-bottom: var(--s-3); }
.split-body .muted { font-size: 0.9375rem; }

.review-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
}
@media (min-width: 960px) { .review-grid { grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: var(--s-10); } }
.on-dark-lede { color: var(--on-dark-muted); font-size: 1.0625rem; }
.review-steps {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-3);
  margin: 0;
  padding: 0;
  list-style: none;
}
@media (min-width: 640px) { .review-steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.review-steps li {
  padding: var(--s-4);
  background: var(--charcoal-2);
  border: 1px solid var(--line-dark);
  border-radius: var(--r-lg);
}
.step-num { display: block; margin-bottom: var(--s-2); font-family: var(--serif); font-size: 1.75rem; font-weight: 600; color: var(--gold); }
.review-steps h3 { font-size: 1.5rem; margin-bottom: var(--s-1); }
.review-steps p { margin: 0; color: var(--on-dark-muted); font-size: 0.9375rem; }

/* ---------- resources page ---------- */
.guide-rows { display: grid; gap: var(--s-4); }
.guide-row {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.5s var(--ease);
}
.guide-row:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--gold-soft); }
.guide-row:focus-within { outline: 2px solid var(--gold-ink); outline-offset: 3px; }
.guide-row-media { overflow: hidden; background: var(--paper-3); }
.guide-row-media img { width: 100%; height: 100%; aspect-ratio: 16 / 10; object-fit: cover; transition: transform 0.9s var(--ease); }
.guide-row:hover .guide-row-media img { transform: scale(1.04); }
.guide-row-body { display: flex; flex-direction: column; padding: clamp(24px, 3.5vw, 40px); }
.guide-row-top { display: flex; align-items: center; gap: var(--s-2); margin-bottom: 12px; }
.guide-row-top .card-kicker { margin: 0; }
.guide-num { font-family: var(--serif); font-size: 2.5rem; font-weight: 500; font-style: italic; line-height: 1; color: var(--gold); }
.guide-row-title { font-size: clamp(1.75rem, 1.4rem + 1.2vw, 2.25rem); margin-bottom: 12px; }
.guide-row-title a { color: var(--charcoal); text-decoration: none; }
.guide-row-title a::after { content: ""; position: absolute; inset: 0; }
.guide-row-title a:focus-visible { outline: none; }
.guide-row-dek { color: var(--muted); max-width: 620px; }
.learn-label { margin: var(--s-1) 0 8px; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--charcoal); }
.learn-list { display: grid; gap: 6px; margin: 0 0 var(--s-3); padding: 0; list-style: none; font-size: 0.9375rem; }
.learn-list li { position: relative; padding-left: 20px; }
.learn-list li::before { content: ""; position: absolute; left: 0; top: 0.72em; width: 8px; height: 1px; background: var(--gold-ink); }
.guide-row .card-more { margin-top: auto; }
.guide-row:hover .card-more { color: var(--gold-ink); }
@media (min-width: 860px) {
  .guide-row { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); }
  .guide-row-media img { aspect-ratio: auto; min-height: 100%; }
  .guide-row:nth-child(even) { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); }
  .guide-row:nth-child(even) .guide-row-media { order: 2; }
}

.glossary {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 0 var(--s-8);
  margin: 0;
}
@media (min-width: 800px) { .glossary { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.glossary div { padding: var(--s-3) 0; border-top: 1px solid var(--line-strong); }
.glossary dt { font-family: var(--serif); font-size: 1.5rem; font-weight: 600; line-height: 1.2; color: var(--charcoal); }
.glossary dd { margin: 8px 0 0; color: var(--muted); font-size: 0.9375rem; }

.official-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-5);
}
@media (min-width: 960px) { .official-grid { grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: var(--s-10); } }
.official-grid > div:first-child p { color: var(--muted); }

/* ---------- official resource list (guides + resources page) ---------- */
.official, .prose .official { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.official li, .prose .official li { margin: 0; padding: 0; }
.official li::marker { content: none; }
.official a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-2);
  padding: 18px 20px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  color: var(--charcoal);
  text-decoration: none;
  transition: border-color 0.3s var(--ease), box-shadow 0.3s var(--ease), transform 0.3s var(--ease);
}
.official a:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); transform: translateY(-1px); color: var(--charcoal); }
.official-text { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.official-name { font-weight: 700; font-size: 1rem; line-height: 1.4; }
.official-desc { color: var(--muted); font-size: 0.875rem; line-height: 1.5; }
.official-host { margin-top: 4px; font-size: 0.75rem; font-weight: 600; letter-spacing: 0.04em; color: var(--gold-ink); }
.official .icon { flex: none; width: 22px; height: 22px; color: var(--gold-ink); transition: transform 0.3s var(--ease); }
.official a:hover .icon { transform: translate(2px, -2px); }

/* ---------- article ---------- */
.article-header { padding-top: clamp(40px, 6vw, 80px); }
.article-head { max-width: calc(880px + var(--gutter) * 2); text-align: center; }
.article-head .breadcrumb ol { justify-content: center; }
.eyebrow-center::after {
  content: "";
  width: 28px;
  height: 1px;
  background: currentColor;
  opacity: 0.8;
}
.article-head h1 { font-size: clamp(2.5rem, 1.6rem + 3.6vw, 4.5rem); margin-bottom: var(--s-3); }
.dek {
  max-width: 700px;
  margin: 0 auto;
  color: var(--muted);
  font-size: clamp(1.125rem, 1.04rem + 0.45vw, 1.375rem);
  line-height: 1.55;
}
.article-meta {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 12px;
  margin: var(--s-4) 0 0;
  padding: 0;
  list-style: none;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}
.article-meta li { padding: 6px 14px; border: 1px solid var(--line-strong); border-radius: 999px; background: var(--white); }
.article-figure {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin: var(--s-6) auto 0;
  padding-inline: var(--gutter);
}
.article-img {
  width: 100%;
  aspect-ratio: 2 / 1;
  object-fit: cover;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
}
@media (max-width: 699px) { .article-img { aspect-ratio: 4 / 3; } }
.article-figure figcaption { margin-top: 12px; font-size: 0.75rem; color: var(--muted); text-align: right; }

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-8);
  padding-block: var(--s-8) var(--section);
}
@media (min-width: 1100px) {
  .article-layout { grid-template-columns: minmax(0, 720px) 268px; justify-content: space-between; }
}
.article-body { max-width: 720px; width: 100%; margin-inline: auto; }
@media (min-width: 1100px) { .article-body { margin-inline: 0; } }

.article-aside { display: none; }
@media (min-width: 1100px) { .article-aside { display: block; } }
.aside-inner { position: sticky; top: calc(var(--header-h) + 32px); }
.toc {
  padding-left: var(--s-3);
  border-left: 1px solid var(--line-strong);
}
.toc-title {
  margin: 0 0 var(--s-2);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--charcoal);
}
.toc ol { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.toc a {
  position: relative;
  display: block;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.45;
  text-decoration: none;
  transition: color 0.2s var(--ease);
}
.toc a::before {
  content: "";
  position: absolute;
  left: calc(-1 * var(--s-3) - 1px);
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--gold);
  transform: scaleY(0);
  transition: transform 0.3s var(--ease);
}
.toc a:hover { color: var(--charcoal); }
.toc a.is-current { color: var(--charcoal); font-weight: 600; }
.toc a.is-current::before { transform: scaleY(1); }
.toc-card {
  margin-top: var(--s-5);
  padding: var(--s-3);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
}
.toc-card-title { margin: 0 0 6px; font-family: var(--serif); font-size: 1.375rem; font-weight: 600; color: var(--charcoal); line-height: 1.2; }
.toc-card p { font-size: 0.875rem; color: var(--muted); }

/* ---------- prose ---------- */
.prose { font-size: clamp(1.0625rem, 1rem + 0.25vw, 1.1875rem); line-height: 1.78; }
.prose > * + * { margin-top: 0; }
.prose p, .prose ul, .prose ol { margin: 0 0 var(--s-3); }
.prose h2 {
  margin: var(--s-8) 0 var(--s-2);
  font-size: clamp(1.875rem, 1.5rem + 1.4vw, 2.5rem);
  font-weight: 600;
}
.prose h3 { margin: var(--s-5) 0 12px; font-size: clamp(1.375rem, 1.2rem + 0.6vw, 1.625rem); }
.prose h2 + h3 { margin-top: var(--s-3); }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose li { margin-bottom: 10px; padding-left: 6px; }
.prose li::marker { color: var(--gold-ink); }
.prose ol li::marker { font-weight: 700; }
.prose strong { color: var(--charcoal); }
.prose a { font-weight: 500; }
.lead-para { font-size: 1.12em; line-height: 1.7; color: var(--charcoal); }
.lead-para::first-letter {
  float: left;
  margin: 0.08em 0.12em 0 0;
  font-family: var(--serif);
  font-size: 3.7em;
  font-weight: 600;
  line-height: 0.82;
  color: var(--gold-ink);
}

.takeaways {
  position: relative;
  margin: 0 0 var(--s-6);
  padding: var(--s-4);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
}
.takeaways::before {
  content: "";
  position: absolute;
  top: -1px;
  left: var(--s-4);
  width: 64px;
  height: 3px;
  background: var(--gold);
  border-radius: 0 0 3px 3px;
}
.prose .takeaways h2 {
  margin: 0 0 var(--s-2);
  font-family: var(--sans);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--charcoal);
}
.prose .takeaways ul { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; font-size: 0.97em; line-height: 1.6; }
.prose .takeaways li { position: relative; margin: 0; padding-left: 34px; }
.prose .takeaways li::before {
  content: "";
  position: absolute;
  left: 4px;
  top: 0.5em;
  width: 14px;
  height: 7px;
  border-left: 2px solid var(--gold-ink);
  border-bottom: 2px solid var(--gold-ink);
  transform: rotate(-45deg);
}

.callout {
  position: relative;
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr);
  gap: var(--s-2);
  margin: var(--s-5) 0;
  padding: var(--s-3) var(--s-3) var(--s-3) calc(var(--s-3) + 4px);
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-sm);
}
.callout::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--gold); }
.callout .icon { width: 28px; height: 28px; color: var(--gold-ink); }
.callout-title, .callout .callout-title, .legal-summary .callout-title {
  margin: 2px 0 6px !important;
  font-family: var(--sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-ink);
}
.callout p { font-size: 0.95em; line-height: 1.65; }
.callout p:last-child { margin-bottom: 0; }

.example {
  margin: var(--s-5) 0;
  padding: var(--s-4);
  background: var(--charcoal);
  color: var(--on-dark);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
}
.example-title {
  margin-bottom: var(--s-3);
  font-family: var(--serif);
  font-size: 1.5rem;
  font-weight: 600;
  line-height: 1.25;
  color: var(--paper);
}
.ledger { margin: 0; font-size: 0.9375rem; }
.ledger div {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 4px var(--s-2);
  padding: 12px 0;
  border-top: 1px solid var(--line-dark);
}
.ledger dt { color: var(--on-dark-muted); flex: 1 1 220px; }
.ledger dd { margin: 0; font-weight: 700; color: var(--paper); font-variant-numeric: tabular-nums; text-align: right; }
.ledger-total { border-top: 1px solid var(--gold) !important; }
.ledger-total dt { color: var(--paper); font-weight: 600; }
.ledger-total dd { color: var(--gold); font-size: 1.125rem; }
.example-note { margin: var(--s-2) 0 0 !important; font-size: 0.8125rem; color: var(--on-dark-muted); }

.table-wrap {
  margin: var(--s-4) 0 var(--s-2);
  overflow-x: auto;
  /* scroll shadows: an edge shadow appears only while more of the table is hidden on that side */
  background:
    linear-gradient(90deg, var(--white) 30%, rgba(255, 255, 255, 0)) left center / 40px 100% no-repeat local,
    linear-gradient(270deg, var(--white) 30%, rgba(255, 255, 255, 0)) right center / 40px 100% no-repeat local,
    radial-gradient(farthest-side at 0 50%, rgba(28, 29, 33, 0.16), transparent) left center / 14px 100% no-repeat scroll,
    radial-gradient(farthest-side at 100% 50%, rgba(28, 29, 33, 0.16), transparent) right center / 14px 100% no-repeat scroll,
    var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-sm);
  -webkit-overflow-scrolling: touch;
}
.table-wrap:focus-visible { outline-offset: 2px; }
.table-wrap table { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 0.9375rem; line-height: 1.5; }
.table-wrap th, .table-wrap td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.table-wrap thead th {
  background: var(--charcoal);
  color: var(--on-dark);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  white-space: nowrap;
}
.table-wrap tbody th { font-family: var(--serif); font-size: 1.25rem; font-weight: 600; color: var(--charcoal); white-space: nowrap; }
.table-wrap tbody tr:last-child > * { border-bottom: 0; }
.table-note { font-size: 0.875rem !important; color: var(--muted); }
@media (max-width: 699px) {
  .table-wrap::before {
    content: "Swipe to see the full table";
    position: sticky;
    left: 0;
    display: block;
    padding: 10px 16px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    color: var(--muted);
    border-bottom: 1px solid var(--line);
  }
  .article-meta { gap: 8px; }
  .article-meta li { padding: 5px 12px; font-size: 0.6875rem; }
}

.article-note {
  margin-top: var(--s-8);
  padding: var(--s-3);
  border-top: 1px solid var(--line-strong);
  border-bottom: 1px solid var(--line-strong);
  font-size: 0.875rem;
  line-height: 1.65;
  color: var(--muted);
}
.article-note p { margin: 0; }
.article-note strong { color: var(--charcoal); }

/* ---------- keep reading ---------- */
.mini-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 340px), 1fr));
  gap: var(--s-3);
}
.mini-card {
  position: relative;
  display: grid;
  grid-template-columns: 112px minmax(0, 1fr);
  gap: var(--s-2);
  align-items: center;
  padding: 12px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-sm);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s var(--ease);
}
.mini-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--gold-soft); }
.mini-card:focus-within { outline: 2px solid var(--gold-ink); outline-offset: 3px; }
.mini-media { overflow: hidden; border-radius: var(--r-sm); aspect-ratio: 1 / 1; background: var(--paper-3); }
.mini-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.8s var(--ease); }
.mini-card:hover .mini-media img { transform: scale(1.06); }
.mini-body .card-kicker { margin-bottom: 6px; font-size: 0.6875rem; }
.mini-title { margin: 0; font-size: 1.3125rem; line-height: 1.2; }
.mini-title a { color: var(--charcoal); text-decoration: none; }
.mini-title a::after { content: ""; position: absolute; inset: 0; }
.mini-title a:focus-visible { outline: none; }
.mini-all {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 6px;
  min-height: 136px;
  padding: var(--s-3);
  background: var(--charcoal);
  border-color: var(--charcoal);
  color: var(--paper);
  text-decoration: none;
}
.mini-all:hover { color: var(--paper); border-color: var(--gold); }
.mini-all-label { font-size: 0.6875rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); }
.mini-all-title { font-family: var(--serif); font-size: 1.375rem; font-weight: 600; line-height: 1.2; }
.mini-all .arrow { color: var(--gold); transition: transform 0.3s var(--ease); }
.mini-all:hover .arrow { transform: translateX(4px); }
.mini-all:focus-visible { outline-color: var(--gold-ink); }

/* ---------- legal pages ---------- */
.legal-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-5);
}
@media (min-width: 1000px) {
  .legal-layout { grid-template-columns: 250px minmax(0, 760px); gap: var(--s-10); }
  .legal-toc { position: sticky; top: calc(var(--header-h) + 32px); align-self: start; }
}
.legal-toc {
  padding: var(--s-3);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
}
.legal-toc ol { margin: 0; padding-left: 1.3em; display: grid; gap: 6px; font-size: 0.875rem; }
.legal-toc li::marker { color: var(--gold-ink); font-weight: 700; }
.legal-toc a { color: var(--muted); text-decoration: none; }
.legal-toc a:hover { color: var(--charcoal); text-decoration: underline; }
.legal { font-size: 1.0625rem; }
.legal h2:first-child { margin-top: 0; }
.prose-page h2 { font-size: clamp(1.75rem, 1.45rem + 1.2vw, 2.25rem); }
.prose.legal h2 { margin-top: var(--s-6); }
.legal-summary {
  margin-bottom: var(--s-5);
  padding: var(--s-3) var(--s-4);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
}
.legal-summary p:last-child { margin: 0; }
.legal-summary + h2 { margin-top: 0 !important; }

.prose-page > .eyebrow { margin-bottom: var(--s-2); }
.prose-page > h2:first-of-type { margin-top: 0; }
.prose-page > .eyebrow + h2 { font-size: clamp(2rem, 1.55rem + 1.9vw, 3.125rem); font-weight: 500; margin-bottom: var(--s-3); }

/* ---------- status pages (thank you, 404) ---------- */
.status-page { padding-block: clamp(64px, 10vw, 128px); }
.status-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-6);
  align-items: center;
}
@media (min-width: 900px) { .status-grid { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: var(--s-10); } }
.status-card h1 { font-size: clamp(3rem, 2rem + 4vw, 5rem); }
.status-card .lede { max-width: 600px; }
.status-icon {
  display: grid;
  place-items: center;
  width: 64px;
  height: 64px;
  margin-bottom: var(--s-3);
  background: var(--gold);
  color: var(--charcoal);
  border-radius: 50%;
}
.status-icon .icon { width: 30px; height: 30px; stroke-width: 2; }
.status-media { margin: 0; }
.status-img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--shadow-lg); }
@media (max-width: 899px) { .status-img { aspect-ratio: 16 / 10; } }
.status-center { text-align: left; }
.status-code {
  margin: 0 0 var(--s-1);
  font-family: var(--serif);
  font-size: clamp(5rem, 3rem + 10vw, 9rem);
  font-weight: 500;
  font-style: italic;
  line-height: 0.9;
  color: var(--gold);
}
.status-links { display: grid; gap: 0; margin: var(--s-3) 0 0; padding: 0; list-style: none; border-top: 1px solid var(--line-strong); }
.status-links a {
  display: flex;
  align-items: baseline;
  gap: var(--s-2);
  padding: 14px 4px;
  border-bottom: 1px solid var(--line-strong);
  color: var(--charcoal);
  font-weight: 500;
  text-decoration: none;
  transition: padding 0.3s var(--ease), color 0.3s var(--ease);
}
.status-links a:hover { padding-left: 12px; color: var(--gold-ink); }
.status-links .num { font-family: var(--serif); font-size: 1.25rem; font-weight: 600; color: var(--gold-ink); }

/* ---------- footer ---------- */
.site-footer {
  padding-top: clamp(64px, 8vw, 104px);
  background: #141518;
  border-top: 1px solid var(--line-dark);
  color: var(--on-dark-muted);
  font-size: 0.9375rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: var(--s-5);
  padding-bottom: var(--s-8);
  border-bottom: 1px solid var(--line-dark);
}
@media (min-width: 640px) { .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .footer-grid { grid-template-columns: minmax(0, 1.8fr) minmax(0, 1.2fr) minmax(0, 1fr) minmax(0, 1fr); gap: var(--s-6); } }
.site-footer .brand { color: var(--paper); }
.site-footer .brand-mark .mark-bg { fill: var(--charcoal-3); }
.site-footer .brand-word span { color: var(--gold); }
.footer-tagline { max-width: 320px; margin: var(--s-3) 0 var(--s-2); font-family: var(--serif); font-size: 1.3125rem; line-height: 1.4; color: var(--on-dark); }
.footer-mail { display: flex; align-items: center; gap: 10px; margin: 0; }
.footer-mail .icon { width: 20px; height: 20px; color: var(--gold); }
.footer-h {
  margin: 6px 0 var(--s-2);
  font-family: var(--sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
}
.site-footer ul { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.site-footer a { color: var(--on-dark); text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: underline; }
.site-footer :focus-visible { outline-color: var(--gold); }
.footer-disclaimer {
  margin: 0;
  padding-block: var(--s-4);
  max-width: 900px;
  font-size: 0.8125rem;
  line-height: 1.7;
  color: var(--on-dark-muted);
}
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 8px var(--s-3);
  padding-block: var(--s-3) var(--s-4);
  border-top: 1px solid var(--line-dark);
  font-size: 0.8125rem;
}
.footer-bottom p { margin: 0; }

/* ---------- reveal on scroll ---------- */
.js .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.9s var(--ease), transform 0.9s var(--ease);
}
.js .reveal.is-visible { opacity: 1; transform: none; }
.card-grid .reveal:nth-child(3n + 2), .mini-grid .reveal:nth-child(3n + 2), .standards-list .reveal:nth-child(2n) { transition-delay: 0.08s; }
.card-grid .reveal:nth-child(3n + 3), .mini-grid .reveal:nth-child(3n + 3) { transition-delay: 0.16s; }
.card.reveal.is-visible, .mini-card.reveal.is-visible, .guide-row.reveal.is-visible, .standards-list .reveal.is-visible {
  transition: opacity 0.9s var(--ease), transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.5s var(--ease);
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    transition-delay: 0s !important;
  }
  .js .reveal { opacity: 1; transform: none; }
  .card:hover, .guide-row:hover, .mini-card:hover, .standards-list li:hover { transform: none; }
}

@media print {
  .site-header, .site-footer, .article-aside, .cta-band, .signup-band, .keep-reading, .hero-index { display: none !important; }
  .js .reveal { opacity: 1 !important; transform: none !important; }
  body { background: #fff; }
}