/* =====================================================================
   GREEN PLAINS LOAN — DESIGN SYSTEM v1
   Premium fintech aesthetic: deep emerald + champagne gold + ivory.
   Single source of truth for every page on greenplainsloan.com.
   --------------------------------------------------------------------
   Sections:
   1.  Design tokens (CSS custom properties)
   2.  Reset & base
   3.  Typography
   4.  Layout primitives (container, section, grid)
   5.  Header / navigation
   6.  Buttons & links
   7.  Hero
   8.  Cards (feature, product, blog, stat)
   9.  Trust bar / logos
   10. Forms & calculator
   11. Accordion (FAQ)
   12. Tables
   13. Article / prose typography
   14. Breadcrumbs & pagination
   15. CTA band
   16. Footer
   17. Utilities & reveal animation
   18. Responsive
   ===================================================================== */

/* 1. ----------------------------------------------------------------- TOKENS */
:root {
  /* Brand — forest emerald */
  --emerald-950: #07271C;
  --emerald-900: #0B3D2E;
  --emerald-800: #0F4A38;
  --emerald-700: #135B44;
  --emerald-600: #1A7256;
  --emerald-500: #208563;   /* primary */
  --emerald-400: #34A47B;
  --emerald-300: #6BC3A0;
  --emerald-100: #D8EFE5;
  --emerald-050: #EEF8F3;

  /* Accent — champagne gold */
  --gold-700: #9A7B2E;
  --gold-600: #BE9A4E;
  --gold-500: #CDA85E;      /* accent */
  --gold-300: #E4CF92;
  --gold-100: #F3E9CC;

  /* Neutrals — warm ivory & ink */
  --ink: #0C1A14;
  --ink-soft: #243A30;
  --muted: #5C6E64;
  --muted-light: #85978C;
  --line: rgba(12, 26, 20, 0.10);
  --line-strong: rgba(12, 26, 20, 0.16);
  --cream: #FAF7EF;        /* page background */
  --cream-2: #F4EFE3;      /* alt section background */
  --sand: #EFE8D8;
  --white: #FFFFFF;

  /* Semantic */
  --bg: var(--cream);
  --surface: var(--white);
  --text: var(--ink);
  --text-muted: var(--muted);
  --primary: var(--emerald-500);
  --primary-dark: var(--emerald-700);
  --accent: var(--gold-500);

  /* Typography */
  --font-display: "Fraunces", "Georgia", "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --fs-xs: 0.78rem;
  --fs-sm: 0.875rem;
  --fs-base: 1.0625rem;
  --fs-md: 1.1875rem;
  --fs-lg: 1.375rem;
  --fs-xl: 1.75rem;
  --fs-2xl: 2.25rem;
  --fs-3xl: clamp(2.4rem, 5vw, 3.5rem);
  --fs-4xl: clamp(3rem, 7vw, 4.75rem);

  /* Spacing scale */
  --sp-1: 0.25rem;
  --sp-2: 0.5rem;
  --sp-3: 0.75rem;
  --sp-4: 1rem;
  --sp-5: 1.5rem;
  --sp-6: 2rem;
  --sp-7: 3rem;
  --sp-8: 4rem;
  --sp-9: 6rem;
  --sp-10: 8rem;

  /* Radii */
  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 22px;
  --r-xl: 32px;
  --r-pill: 999px;

  /* Shadows — soft, expensive */
  --shadow-xs: 0 1px 2px rgba(12, 26, 20, 0.06);
  --shadow-sm: 0 4px 14px rgba(12, 26, 20, 0.06);
  --shadow-md: 0 14px 40px rgba(12, 26, 20, 0.10);
  --shadow-lg: 0 30px 70px rgba(12, 26, 20, 0.14);
  --shadow-gold: 0 14px 34px rgba(190, 154, 78, 0.28);

  --container: 1200px;
  --container-narrow: 760px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --transition: 0.35s var(--ease);
}

/* 2. ----------------------------------------------------------------- RESET */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
body {
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;            /* clip (not hidden) so position:sticky still works */
  overflow-wrap: break-word;   /* long emails / URLs never force horizontal scroll */
  width: 100%;
  max-width: 100%;
}
img, svg, video { display: block; max-width: 100%; height: auto; }
/* Icon safety net: any inline SVG without an explicit size renders as a small
   icon instead of expanding to fill its container. Defined here (before the
   component rules) so .btn svg / .ic-badge svg / .ticks li svg etc. still win. */
svg:not([width]):not([height]) { width: 1.25em; height: 1.25em; }
a { color: var(--primary-dark); text-decoration: none; }
ul, ol { padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; border-radius: 4px; }

/* 3. ----------------------------------------------------------------- TYPE */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.1;
  color: var(--ink);
  letter-spacing: -0.015em;
}
h1 { font-size: var(--fs-3xl); font-weight: 600; }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-lg); }
h4 { font-size: var(--fs-md); }
p { color: var(--ink-soft); }
.lead { font-size: var(--fs-md); color: var(--muted); line-height: 1.65; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 0.5em;
  font-family: var(--font-body);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--emerald-600);
}
.eyebrow::before {
  content: ""; width: 26px; height: 1px; background: var(--gold-500);
}
.eyebrow.center::before { display: none; }

.text-gradient {
  background: linear-gradient(100deg, var(--emerald-500), var(--gold-600));
  -webkit-background-clip: text; background-clip: text; color: transparent;
}

/* 4. ----------------------------------------------------------------- LAYOUT */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--sp-5); }
.container.narrow { max-width: var(--container-narrow); }
.section { padding-block: var(--sp-9); }
.section.tight { padding-block: var(--sp-7); }
.section--cream { background: var(--cream); }
.section--alt { background: var(--cream-2); }
.section--sand {
  background:
    radial-gradient(120% 120% at 0% 0%, var(--emerald-050), transparent 55%),
    var(--cream-2);
}
.section--dark {
  background:
    radial-gradient(100% 140% at 100% 0%, rgba(205,168,94,0.16), transparent 60%),
    linear-gradient(160deg, var(--emerald-900), var(--emerald-950));
  color: #EAF3EE;
}
.section--dark h1, .section--dark h2, .section--dark h3 { color: #fff; }
.section--dark p { color: rgba(234, 243, 238, 0.82); }
.section--dark .eyebrow { color: var(--gold-300); }

.section-head { max-width: 720px; margin-bottom: var(--sp-7); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2 { margin-top: var(--sp-3); }
.section-head p { margin-top: var(--sp-3); color: var(--muted); font-size: var(--fs-md); }

.grid { display: grid; gap: var(--sp-5); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--sp-8); align-items: center; }

/* 5. ----------------------------------------------------------------- HEADER */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(250, 247, 239, 0.82);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--sp-5); height: 76px;
}
.brand { display: inline-flex; align-items: center; gap: 0.6rem; font-family: var(--font-display);
  font-size: 1.3rem; font-weight: 600; color: var(--ink); letter-spacing: -0.02em; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 11px; flex: none;
  display: grid; place-items: center; color: #fff;
  background: linear-gradient(150deg, var(--emerald-500), var(--emerald-800));
  box-shadow: var(--shadow-sm);
}
.brand-mark svg { width: 22px; height: 22px; }
.brand b { color: var(--emerald-700); font-weight: 600; }

.nav-links { display: flex; align-items: center; gap: clamp(0.5rem, 1.4vw, 1.6rem); list-style: none; padding: 0; margin: 0; }
.nav-links a { color: var(--ink-soft); font-size: var(--fs-sm); font-weight: 500; position: relative; padding: 0.4rem 0; transition: color var(--transition); }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--emerald-700); }
.nav-links a::after {
  content: ""; position: absolute; left: 0; bottom: -2px; height: 2px; width: 0;
  background: var(--gold-500); transition: width var(--transition);
}
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { width: 100%; }
.nav-cta { display: flex; align-items: center; gap: 0.75rem; }

.burger { display: none; width: 46px; height: 46px; border: 1px solid var(--line-strong);
  background: var(--white); border-radius: 12px; cursor: pointer; padding: 0; }
.burger span { display: block; width: 20px; height: 2px; background: var(--ink); margin: 4px auto; border-radius: 2px; transition: var(--transition); }
.burger.active span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.burger.active span:nth-child(2) { opacity: 0; }
.burger.active span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

.mobile-nav {
  position: fixed; inset: 76px 0 auto 0; z-index: 99;
  background: var(--cream); border-bottom: 1px solid var(--line);
  padding: var(--sp-5) var(--sp-5) var(--sp-6);
  transform: translateY(-120%); transition: transform 0.4s var(--ease);
  box-shadow: var(--shadow-md);
}
.mobile-nav.active { transform: translateY(0); }
.mobile-nav ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.25rem; }
.mobile-nav a { display: block; padding: 0.85rem 0.5rem; font-size: var(--fs-md); color: var(--ink); border-bottom: 1px solid var(--line); }
.mobile-nav .btn { margin-top: var(--sp-4); width: 100%; }

/* 6. ----------------------------------------------------------------- BUTTONS */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55em;
  font-family: var(--font-body); font-size: var(--fs-sm); font-weight: 600;
  line-height: 1; padding: 0.95rem 1.6rem; border-radius: var(--r-pill);
  border: 1px solid transparent; cursor: pointer; text-align: center;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  white-space: nowrap;
}
.btn svg { width: 1.1em; height: 1.1em; }
.btn-primary { background: var(--emerald-500); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--emerald-700); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-gold { background: linear-gradient(135deg, var(--gold-500), var(--gold-700)); color: #2A210A; box-shadow: var(--shadow-gold); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 18px 40px rgba(190,154,78,0.38); }
.btn-ghost { background: transparent; color: var(--emerald-700); border-color: var(--line-strong); }
.btn-ghost:hover { border-color: var(--emerald-500); background: var(--emerald-050); }
.btn-light { background: #fff; color: var(--emerald-800); box-shadow: var(--shadow-sm); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-lg { padding: 1.1rem 2rem; font-size: var(--fs-base); }
.btn-block { width: 100%; }

.text-link { display: inline-flex; align-items: center; gap: 0.4em; font-weight: 600; color: var(--emerald-700); }
.text-link svg { transition: transform var(--transition); }
.text-link:hover svg { transform: translateX(4px); }

/* 7. ----------------------------------------------------------------- HERO */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(80% 120% at 85% -10%, rgba(205,168,94,0.18), transparent 55%),
    radial-gradient(70% 90% at 0% 110%, rgba(32,133,99,0.12), transparent 60%),
    var(--cream);
}
.hero-inner { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--sp-8); align-items: center;
  padding-block: clamp(3rem, 7vw, 6rem); }
.hero h1 { font-size: var(--fs-4xl); margin-top: var(--sp-4); }
.hero p.lead { margin-top: var(--sp-5); max-width: 36ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-6); }
.hero-trust { display: flex; flex-wrap: wrap; gap: var(--sp-5); margin-top: var(--sp-7); }
.hero-trust .item { display: flex; align-items: center; gap: 0.55rem; font-size: var(--fs-sm); color: var(--muted); font-weight: 500; }
.hero-trust .item svg { width: 20px; height: 20px; color: var(--emerald-500); flex: none; }

.hero-visual { position: relative; }
.hero-card {
  position: relative; z-index: 2; background: var(--white); border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg); padding: var(--sp-6); border: 1px solid var(--line);
}
.hero-img { border-radius: var(--r-xl); box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; aspect-ratio: 4/5; }
.hero-badge {
  position: absolute; z-index: 3; background: #fff; border-radius: var(--r-md);
  box-shadow: var(--shadow-md); padding: 0.85rem 1.1rem; display: flex; align-items: center; gap: 0.7rem;
  border: 1px solid var(--line);
}
.hero-badge .ic { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
  background: var(--emerald-050); color: var(--emerald-600); flex: none; }
.hero-badge .big { font-family: var(--font-display); font-size: 1.25rem; color: var(--ink); font-weight: 600; }
.hero-badge .sm { font-size: var(--fs-xs); color: var(--muted); }
.hero-badge.tl { top: 8%; left: -6%; }
.hero-badge.br { bottom: 8%; right: -5%; }

/* 8. ----------------------------------------------------------------- CARDS */
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: var(--sp-6); box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--emerald-100); }
.card .ic-badge {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: linear-gradient(150deg, var(--emerald-050), var(--emerald-100));
  color: var(--emerald-600); margin-bottom: var(--sp-4);
}
.card .ic-badge svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: var(--sp-2); }
.card p { color: var(--muted); font-size: var(--fs-sm); }

/* product card variant */
.product-card { display: flex; flex-direction: column; }
.product-card .rate { font-family: var(--font-display); font-size: 2rem; color: var(--emerald-700); margin: var(--sp-3) 0 0; }
.product-card .rate small { font-family: var(--font-body); font-size: var(--fs-sm); color: var(--muted); font-weight: 500; }
/* .ticks is a reusable checklist — works inside any card, not just .product-card */
.ticks { list-style: none; padding: 0; margin: var(--sp-4) 0 var(--sp-5); display: grid; gap: 0.55rem; }
.ticks li { display: flex; gap: 0.6rem; font-size: var(--fs-sm); color: var(--ink-soft); }
.ticks li svg { width: 18px; height: 18px; min-width: 18px; color: var(--emerald-500); flex: none; margin-top: 3px; }
.product-card .btn { margin-top: auto; }

/* stat */
.stat { text-align: left; }
.stat .num { font-family: var(--font-display); font-size: var(--fs-3xl); font-weight: 600; line-height: 1; }
.stat .num .text-gradient { display: inline; }
.stat .label { margin-top: var(--sp-2); color: var(--muted); font-size: var(--fs-sm); }
.section--dark .stat .num { color: #fff; }
.section--dark .stat .label { color: rgba(234,243,238,0.7); }

/* step */
.step { position: relative; padding-left: 0; }
.step .n { font-family: var(--font-display); font-size: 2.4rem; color: var(--gold-500); font-weight: 600; line-height: 1; }
.step h3 { margin: var(--sp-3) 0 var(--sp-2); }
.step p { color: var(--muted); font-size: var(--fs-sm); }

/* blog card */
.post-card {
  display: flex; flex-direction: column; overflow: hidden; background: var(--surface);
  border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.post-card .thumb { aspect-ratio: 16/10; overflow: hidden; background: var(--emerald-050); }
.post-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s var(--ease); }
.post-card:hover .thumb img { transform: scale(1.05); }
.post-card .body { padding: var(--sp-5); display: flex; flex-direction: column; flex: 1; }
.post-card .tag { font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--emerald-600); }
.post-card h3 { font-size: var(--fs-md); margin: var(--sp-2) 0; line-height: 1.25; }
.post-card h3 a { color: var(--ink); }
.post-card h3 a:hover { color: var(--emerald-700); }
.post-card p { font-size: var(--fs-sm); color: var(--muted); }
.post-card .meta { margin-top: auto; padding-top: var(--sp-4); font-size: var(--fs-xs); color: var(--muted-light); display: flex; gap: 0.5rem; align-items: center; }

.badge { display: inline-flex; align-items: center; gap: 0.4em; padding: 0.3rem 0.75rem; border-radius: var(--r-pill);
  font-size: var(--fs-xs); font-weight: 600; background: var(--emerald-050); color: var(--emerald-700); }
.badge-gold { background: var(--gold-100); color: var(--gold-700); }

/* 9. ----------------------------------------------------------------- TRUST BAR */
.trustbar { border-block: 1px solid var(--line); background: var(--white); }
.trustbar .row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--sp-5); padding-block: var(--sp-5); }
.trustbar .item { display: flex; align-items: center; gap: 0.6rem; color: var(--muted); font-size: var(--fs-sm); font-weight: 500; }
.trustbar .item svg { width: 22px; height: 22px; color: var(--emerald-500); }

/* 10. ---------------------------------------------------------------- FORMS */
.field { margin-bottom: var(--sp-4); }
.field label { display: block; font-size: var(--fs-sm); font-weight: 600; color: var(--ink-soft); margin-bottom: 0.4rem; }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--font-body); font-size: var(--fs-base); color: var(--ink);
  padding: 0.85rem 1rem; border: 1px solid var(--line-strong); border-radius: var(--r-md);
  background: var(--white); transition: border-color var(--transition), box-shadow var(--transition);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--emerald-500); box-shadow: 0 0 0 4px var(--emerald-050);
}
.field .hint { font-size: var(--fs-xs); color: var(--muted); margin-top: 0.3rem; }
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: var(--sp-6); box-shadow: var(--shadow-md); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 var(--sp-4); }

/* range slider for calculator */
.range-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 0.3rem; }
.range-row .val { font-family: var(--font-display); font-size: var(--fs-lg); color: var(--emerald-700); font-weight: 600; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 99px;
  background: var(--sand); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: var(--emerald-500); border: 4px solid #fff; box-shadow: var(--shadow-sm); cursor: pointer; }
input[type="range"]::-moz-range-thumb { width: 24px; height: 24px; border-radius: 50%; background: var(--emerald-500); border: 4px solid #fff; box-shadow: var(--shadow-sm); cursor: pointer; }

.calc-result { background: linear-gradient(160deg, var(--emerald-800), var(--emerald-950)); color: #fff; border-radius: var(--r-lg); padding: var(--sp-6); }
.calc-result .amount { font-family: var(--font-display); font-size: clamp(2.5rem, 6vw, 3.5rem); font-weight: 600; line-height: 1; }
.calc-result .amount span { color: var(--gold-300); }
.calc-result .meta-row { display: flex; justify-content: space-between; padding: 0.6rem 0; border-bottom: 1px solid rgba(255,255,255,0.12); font-size: var(--fs-sm); }
.calc-result .meta-row:last-child { border-bottom: 0; }
.calc-result .meta-row span:last-child { font-weight: 600; }

/* 11. ---------------------------------------------------------------- ACCORDION */
.accordion { max-width: 820px; margin-inline: auto; }
.acc-item { border: 1px solid var(--line); border-radius: var(--r-md); background: var(--white); margin-bottom: var(--sp-3); overflow: hidden; transition: box-shadow var(--transition); }
.acc-item[open] { box-shadow: var(--shadow-sm); border-color: var(--emerald-100); }
.acc-q { list-style: none; cursor: pointer; padding: 1.15rem 1.4rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  font-family: var(--font-display); font-size: var(--fs-md); font-weight: 600; color: var(--ink); }
.acc-q::-webkit-details-marker { display: none; }
.acc-q .pm { width: 26px; height: 26px; flex: none; position: relative; }
.acc-q .pm::before, .acc-q .pm::after { content: ""; position: absolute; background: var(--emerald-500); border-radius: 2px; transition: var(--transition); }
.acc-q .pm::before { top: 12px; left: 4px; width: 18px; height: 2px; }
.acc-q .pm::after { top: 4px; left: 12px; width: 2px; height: 18px; }
.acc-item[open] .acc-q .pm::after { transform: rotate(90deg); opacity: 0; }
.acc-a { padding: 0 1.4rem 1.3rem; color: var(--muted); font-size: var(--fs-base); }

/* 12. ---------------------------------------------------------------- TABLES */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-sm); }
table.data { width: 100%; border-collapse: collapse; background: var(--white); min-width: 520px; }
table.data th, table.data td { padding: 1rem 1.25rem; text-align: left; border-bottom: 1px solid var(--line); font-size: var(--fs-sm); }
table.data thead th { background: var(--emerald-900); color: #fff; font-family: var(--font-body); font-weight: 600; font-size: var(--fs-xs); letter-spacing: 0.05em; text-transform: uppercase; }
table.data tbody tr:last-child td { border-bottom: 0; }
table.data tbody tr:hover { background: var(--emerald-050); }
table.data td strong { color: var(--emerald-700); font-family: var(--font-display); font-size: var(--fs-md); }

/* 13. ---------------------------------------------------------------- PROSE / ARTICLE */
.prose { max-width: 720px; }
.prose > * + * { margin-top: var(--sp-5); }
.prose h2 { font-size: var(--fs-xl); margin-top: var(--sp-7); padding-top: var(--sp-2); }
.prose h3 { font-size: var(--fs-lg); margin-top: var(--sp-6); }
.prose p, .prose li { font-size: var(--fs-md); color: var(--ink-soft); line-height: 1.8; }
.prose ul, .prose ol { display: grid; gap: 0.6rem; }
.prose a { color: var(--emerald-700); text-decoration: underline; text-decoration-color: var(--gold-300); text-underline-offset: 3px; font-weight: 500; }
.prose a:hover { text-decoration-color: var(--emerald-500); }
.prose img { border-radius: var(--r-lg); box-shadow: var(--shadow-sm); }
.prose blockquote { border-left: 4px solid var(--gold-500); background: var(--cream-2); padding: var(--sp-4) var(--sp-5); border-radius: 0 var(--r-md) var(--r-md) 0; font-family: var(--font-display); font-size: var(--fs-lg); color: var(--emerald-800); font-style: italic; }
.prose .callout { background: var(--emerald-050); border: 1px solid var(--emerald-100); border-radius: var(--r-md); padding: var(--sp-5); }
.prose .callout strong { color: var(--emerald-800); }
.prose .callout p { font-size: var(--fs-base); }

.article-hero { padding-block: var(--sp-7) var(--sp-6); }
.article-meta { display: flex; flex-wrap: wrap; gap: var(--sp-4); align-items: center; color: var(--muted); font-size: var(--fs-sm); margin-top: var(--sp-4); }
.article-cover { aspect-ratio: 21/9; object-fit: cover; width: 100%; border-radius: var(--r-xl); box-shadow: var(--shadow-md); margin-top: var(--sp-5); }
.toc { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md); padding: var(--sp-5); position: sticky; top: 96px; }
.toc h4 { font-family: var(--font-body); font-size: var(--fs-xs); letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: var(--sp-3); }
.toc ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.55rem; }
.toc a { font-size: var(--fs-sm); color: var(--ink-soft); }
.toc a:hover { color: var(--emerald-700); }
.article-layout { display: grid; grid-template-columns: 260px 1fr; gap: var(--sp-8); align-items: start; }

.author { display: flex; align-items: center; gap: 0.75rem; }
.author .avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(150deg, var(--emerald-400), var(--emerald-800)); color: #fff; display: grid; place-items: center; font-family: var(--font-display); font-weight: 600; flex: none; }
.author .who b { display: block; font-size: var(--fs-sm); color: var(--ink); }
.author .who span { font-size: var(--fs-xs); color: var(--muted); }

/* 14. ---------------------------------------------------------------- BREADCRUMBS */
.crumbs { display: flex; flex-wrap: wrap; gap: 0.5rem; align-items: center; font-size: var(--fs-sm); color: var(--muted); padding-block: var(--sp-5) 0; }
.crumbs a { color: var(--muted); }
.crumbs a:hover { color: var(--emerald-700); }
.crumbs .sep { opacity: 0.5; }
.crumbs [aria-current] { color: var(--ink-soft); font-weight: 500; }

.page-hero { background: var(--section--sand, var(--cream-2)); }
.page-hero { padding-block: var(--sp-7) var(--sp-8);
  background:
    radial-gradient(80% 130% at 100% 0%, rgba(205,168,94,0.14), transparent 55%),
    var(--cream-2); }
.page-hero h1 { margin-top: var(--sp-3); max-width: 18ch; }
.page-hero p { margin-top: var(--sp-4); max-width: 60ch; color: var(--muted); font-size: var(--fs-md); }

/* 15. ---------------------------------------------------------------- CTA BAND */
.cta-band { position: relative; overflow: hidden; border-radius: var(--r-xl); padding: clamp(2.5rem, 6vw, 4.5rem);
  background:
    radial-gradient(90% 160% at 100% 0%, rgba(205,168,94,0.22), transparent 55%),
    linear-gradient(150deg, var(--emerald-700), var(--emerald-950));
  color: #fff; text-align: center; box-shadow: var(--shadow-lg); }
.cta-band h2 { color: #fff; font-size: var(--fs-2xl); max-width: 20ch; margin-inline: auto; }
.cta-band p { color: rgba(234,243,238,0.85); margin: var(--sp-4) auto 0; max-width: 52ch; }
.cta-band .actions { display: flex; gap: var(--sp-3); justify-content: center; flex-wrap: wrap; margin-top: var(--sp-6); }

/* 16. ---------------------------------------------------------------- FOOTER */
.site-footer { background: linear-gradient(180deg, var(--emerald-950), #061A12); color: rgba(234,243,238,0.75); padding-top: var(--sp-8); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: var(--sp-6); padding-bottom: var(--sp-7); }
.site-footer .brand { color: #fff; }
.site-footer .brand b { color: var(--gold-300); }
.footer-about { max-width: 32ch; margin-top: var(--sp-4); font-size: var(--fs-sm); color: rgba(234,243,238,0.65); }
.footer-col h4 { color: #fff; font-family: var(--font-body); font-size: var(--fs-xs); letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: var(--sp-4); color: var(--gold-300); }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.7rem; }
.footer-col a { color: rgba(234,243,238,0.72); font-size: var(--fs-sm); transition: color var(--transition); }
.footer-col a:hover { color: #fff; }
.footer-disclaimer { border-top: 1px solid rgba(255,255,255,0.10); padding-block: var(--sp-5); font-size: var(--fs-xs); color: rgba(234,243,238,0.55); line-height: 1.7; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.10); padding-block: var(--sp-5); display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--sp-3); font-size: var(--fs-xs); color: rgba(234,243,238,0.6); }
.footer-bottom .links { display: flex; flex-wrap: wrap; gap: var(--sp-4); }

/* 17. ---------------------------------------------------------------- UTILITIES */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-4 { margin-top: var(--sp-4); }
.mt-6 { margin-top: var(--sp-6); }
.mb-0 { margin-bottom: 0; }
.flex { display: flex; }
.gap-3 { gap: var(--sp-3); }
.wrap { flex-wrap: wrap; }
.items-center { align-items: center; }
.justify-center { justify-content: center; }
.hidden { display: none; }
.skip-link { position: absolute; left: -999px; top: 0; background: var(--emerald-700); color: #fff; padding: 0.6rem 1rem; border-radius: 0 0 8px 0; z-index: 200; }
.skip-link:focus { left: 0; }

/* Reveal is gated on .js (added inline in <head>): if JS is disabled, blocked,
   or never runs, content stays fully visible — it is never hidden behind JS. */
.js [data-reveal] { opacity: 0; transform: translateY(22px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
[data-reveal].in { opacity: 1; transform: none; }
.js [data-reveal][data-delay="1"] { transition-delay: 0.08s; }
.js [data-reveal][data-delay="2"] { transition-delay: 0.16s; }
.js [data-reveal][data-delay="3"] { transition-delay: 0.24s; }
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; }
  .js [data-reveal] { opacity: 1 !important; transform: none !important; transition: none; }
}

/* 18. ---------------------------------------------------------------- RESPONSIVE */
@media (max-width: 980px) {
  .hero-inner, .split, .article-layout { grid-template-columns: 1fr; }
  .article-layout .toc { display: none; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-visual { order: -1; max-width: 460px; margin-inline: auto; }
}
@media (max-width: 760px) {
  /* Header CTA "Check Your Rate" is hidden here (it lives in the burger menu) —
     keeping it alongside the logo + burger overflowed narrow phones and caused
     site-wide horizontal scroll. */
  .nav-links, .nav-cta .btn-desktop, .nav-cta .btn-gold { display: none; }
  .burger { display: block; }
  .nav { gap: var(--sp-3); }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--sp-5); }
  .section { padding-block: var(--sp-7); }
  .hero-badge.tl { left: 2%; }
  .hero-badge.br { right: 2%; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  :root { --fs-base: 1rem; }
}