/* ==========================================================================
   CorsoLend — Modern Minimalist design system
   White canvas · Forest green #0d2818 · Copper #b87333
   Type: Space Grotesk (light display) + Work Sans (body)
   ========================================================================== */

:root {
  --green:        #0d2818;   /* primary / body ink */
  --green-800:    #14351f;
  --green-600:    #2f4a3a;
  --green-mut:    #566b5e;   /* muted body text (AA on white) */
  --copper:       #b87333;   /* decorative accent (large only) */
  --copper-ink:   #8a5222;   /* copper for small text (AA on white) */
  --paper:        #f7f6f1;   /* off-white alt sections */
  --paper-2:      #efeee6;
  --line:         #e4e2d8;   /* hairline rules */
  --line-strong:  #cbc9bd;
  --white:        #ffffff;

  --wrap: 1180px;
  --gut: clamp(20px, 5vw, 40px);
  --sp-section: clamp(64px, 11vw, 132px);

  --f-display: "Space Grotesk", "Segoe UI", sans-serif;
  --f-body: "Work Sans", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--f-body);
  font-weight: 400;
  color: var(--green);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--green); text-decoration: none; }
a:hover { color: var(--copper-ink); }

.container {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--gut);
}

/* ---- Typography ---------------------------------------------------------- */
.display {
  font-family: var(--f-display);
  font-weight: 300;
  letter-spacing: -0.02em;
  line-height: 1.04;
  color: var(--green);
  margin: 0;
}
.display em { font-style: normal; color: var(--copper); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--f-body);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--copper-ink);
  margin: 0 0 26px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 1px;
  background: var(--copper);
}

.lead {
  font-size: clamp(1.05rem, 1.6vw, 1.3rem);
  line-height: 1.55;
  color: var(--green-mut);
  font-weight: 400;
  max-width: 46ch;
}

.section-head { max-width: 60ch; }
.section-title {
  font-size: clamp(2rem, 4.4vw, 3.1rem);
  margin: 0 0 18px;
}
.section-lead { color: var(--green-mut); max-width: 60ch; font-size: 1.08rem; }

/* ---- Buttons ------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--f-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  padding: 15px 30px;
  border-radius: 2px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
  line-height: 1;
}
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: var(--copper); color: #fff; transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--green); border-color: var(--line-strong); }
.btn-outline:hover { border-color: var(--green); color: var(--green); background: transparent; }
.btn-lg { padding: 18px 38px; font-size: 1rem; }

/* ---- Header -------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 78px;
}
.brand { display: inline-flex; align-items: center; }
.site-logo { height: 30px; width: auto; }
.primary-nav { display: flex; align-items: center; gap: 34px; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--green-600);
  letter-spacing: 0.01em;
  padding: 6px 0;
  border-bottom: 1px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.nav-links a:hover { color: var(--green); }
.nav-links a.active { color: var(--green); border-bottom-color: var(--copper); }

.header-cta { display: flex; align-items: center; gap: 22px; }
.header-phone {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--green);
  white-space: nowrap;
}
.header-phone:hover { color: var(--copper-ink); }

.menu-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--green);
  padding: 6px;
  cursor: pointer;
}
.menu-toggle svg { width: 26px; height: 26px; }

/* ---- Hero: home (full-width text) --------------------------------------- */
.hero-home {
  padding: clamp(70px, 12vw, 150px) 0 clamp(56px, 9vw, 110px);
  border-bottom: 1px solid var(--line);
}
.hero-home h1 {
  font-size: clamp(2.9rem, 8.5vw, 6.6rem);
  max-width: 16ch;
  margin-bottom: 30px;
}
.hero-home .lead { font-size: clamp(1.15rem, 2vw, 1.5rem); max-width: 40ch; margin-bottom: 40px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; }

/* meta strip under hero (replaces trust-bar, subtle inline note) */
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 34px;
  margin-top: 52px;
  padding-top: 26px;
  border-top: 1px solid var(--line);
  font-size: 0.9rem;
  color: var(--green-mut);
}
.hero-meta b { font-family: var(--f-display); font-weight: 500; color: var(--green); font-size: 1rem; }

/* ---- Page hero (interior pages) ----------------------------------------- */
.page-hero {
  padding: clamp(60px, 9vw, 118px) 0 clamp(40px, 6vw, 70px);
  border-bottom: 1px solid var(--line);
}
.page-hero h1 {
  font-size: clamp(2.4rem, 6vw, 4.6rem);
  max-width: 18ch;
  margin-bottom: 24px;
}
.page-hero .lead { margin-top: 6px; }
.page-hero.tight h1 { margin-bottom: 0; }

/* ---- Generic section ----------------------------------------------------- */
.section { padding: var(--sp-section) 0; }
.section.paper { background: var(--paper); }
.section.ink { background: var(--green); color: #fff; }

/* ---- Horizontal step cards ---------------------------------------------- */
.steps-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 56px;
  border-top: 1px solid var(--line-strong);
}
.step-card {
  padding: 40px 34px 44px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.step-card:last-child { border-right: none; }
.step-num {
  font-family: var(--f-display);
  font-weight: 300;
  font-size: 3.4rem;
  line-height: 1;
  color: var(--copper);
  margin-bottom: 22px;
}
.step-card h3 {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 1.3rem;
  margin: 0 0 12px;
  color: var(--green);
}
.step-card p { margin: 0; color: var(--green-mut); font-size: 0.98rem; }

/* ---- Use-case / feature grid -------------------------------------------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2px;
  margin-top: 52px;
  background: var(--line);
  border: 1px solid var(--line);
}
.feature-card {
  background: var(--white);
  padding: 40px 36px;
  display: flex;
  gap: 22px;
  align-items: flex-start;
}
.feature-icon {
  flex: none;
  width: 46px;
  height: 46px;
  border: 1px solid var(--copper);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--copper-ink);
}
.feature-icon svg { width: 22px; height: 22px; }
.feature-card h4 {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 1.15rem;
  margin: 0 0 8px;
}
.feature-card p { margin: 0; color: var(--green-mut); font-size: 0.96rem; }

/* three-up variant */
.feature-grid.three { grid-template-columns: repeat(3, 1fr); }
.feature-grid.three .feature-card { flex-direction: column; gap: 18px; }

/* ---- Editorial two-column (about) --------------------------------------- */
.editorial {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.4fr);
  gap: clamp(32px, 6vw, 96px);
  align-items: start;
}
.editorial .sticky-head { position: sticky; top: 110px; }
.editorial .sticky-head h2 {
  font-family: var(--f-display);
  font-weight: 300;
  font-size: clamp(1.9rem, 3.4vw, 2.7rem);
  line-height: 1.1;
  margin: 0;
}
.prose h3 {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 1.35rem;
  margin: 44px 0 12px;
  color: var(--green);
}
.prose h3:first-child { margin-top: 0; }
.prose p { color: var(--green-800); margin: 0 0 18px; }
.prose em { font-style: italic; color: var(--copper-ink); }
.prose ul { margin: 0 0 20px; padding: 0; list-style: none; }
.prose ul li {
  position: relative;
  padding: 10px 0 10px 26px;
  border-bottom: 1px solid var(--line);
  color: var(--green-800);
}
.prose ul li::before {
  content: "";
  position: absolute; left: 0; top: 20px;
  width: 12px; height: 1px; background: var(--copper);
}
.prose ul li strong { color: var(--green); }
.prose .after { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 16px 24px; align-items: center; }
.prose .after a.link { font-weight: 600; color: var(--green); }
.prose .after a.link:hover { color: var(--copper-ink); }

/* ---- CTA band ------------------------------------------------------------ */
.cta-band {
  background: var(--green);
  color: #fff;
  padding: clamp(56px, 8vw, 100px) 0;
}
.cta-band .cta-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 48px;
  align-items: center;
}
.cta-band h2 {
  font-family: var(--f-display);
  font-weight: 300;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
  margin: 0 0 16px;
  color: #fff;
}
.cta-band p { color: rgba(255,255,255,0.72); margin: 0 0 28px; max-width: 44ch; }
.cta-band .btn-primary { background: var(--copper); }
.cta-band .btn-primary:hover { background: #fff; color: var(--green); }
.cta-band .btn-outline { color: #fff; border-color: rgba(255,255,255,0.4); }
.cta-band .btn-outline:hover { border-color: #fff; color: #fff; }
.cta-contact { border-left: 1px solid rgba(255,255,255,0.18); padding-left: 44px; }
.cta-contact .k { font-size: 1rem; color: rgba(255,255,255,0.72); margin: 0 0 14px; }
.cta-contact .phone {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(1.9rem, 3.4vw, 2.5rem);
  color: #fff;
  display: block;
}
.cta-contact .phone:hover { color: var(--copper); }
.cta-contact a.mail { color: var(--copper); font-weight: 500; }
.cta-contact a.mail:hover { color: #fff; }

/* ---- Forms --------------------------------------------------------------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: clamp(28px, 4vw, 48px);
}
.form-card h2 {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: 1.7rem;
  margin: 0 0 8px;
}
.form-sub { color: var(--green-mut); margin: 0 0 30px; font-size: 0.98rem; }
.form-section-label {
  display: block;
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--copper-ink);
  font-weight: 600;
  margin: 0 0 16px;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.field-row.full { grid-template-columns: 1fr; }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--green);
  margin-bottom: 7px;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  font-family: var(--f-body);
  font-size: 0.98rem;
  color: var(--green);
  background: var(--white);
  border: 1px solid var(--line-strong);
  border-radius: 2px;
  padding: 12px 14px;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(13,40,24,0.08);
}
.form-divider { border: none; border-top: 1px solid var(--line); margin: 26px 0; }
.submit-btn {
  width: 100%;
  justify-content: center;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  background: var(--green);
  color: #fff;
  border: 1px solid var(--green);
  font-family: var(--f-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 16px 24px;
  border-radius: 2px;
  cursor: pointer;
  transition: background .18s ease, border-color .18s ease;
}
.submit-btn:hover { background: var(--copper); border-color: var(--copper); }
.form-notice {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 18px;
  font-size: 0.82rem;
  color: var(--green-mut);
  line-height: 1.5;
}
.form-notice svg { width: 18px; height: 18px; flex: none; color: var(--copper-ink); margin-top: 2px; }
.form-notice a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }
.msg { display: none; padding: 13px 16px; border-radius: 2px; font-size: 0.9rem; margin: 8px 0; }
.msg.success { background: #e8f0ea; color: #1c5233; border: 1px solid #b9d5c3; }
.msg.error { background: #fbeceb; color: #8a2f28; border: 1px solid #eecbc8; }

/* apply steps rail */
.apply-grid { display: grid; grid-template-columns: 0.9fr 1.35fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.rail-title { font-family: var(--f-display); font-weight: 300; font-size: 1.9rem; margin: 0 0 26px; }
.rail-steps { list-style: none; margin: 0; padding: 0; }
.rail-steps li {
  display: flex; gap: 18px; padding: 20px 0;
  border-bottom: 1px solid var(--line); align-items: flex-start;
}
.rail-steps .n {
  font-family: var(--f-display); font-weight: 300; font-size: 1.5rem;
  color: var(--copper); line-height: 1; flex: none; width: 32px;
}
.rail-steps strong { display: block; margin-bottom: 4px; font-family: var(--f-display); font-weight: 500; }
.rail-steps span { color: var(--green-mut); font-size: 0.92rem; }
.rail-call { margin-top: 30px; padding-top: 26px; border-top: 1px solid var(--line-strong); }
.rail-call .k { font-size: 0.9rem; color: var(--green-mut); margin: 0 0 8px; }
.rail-call a { font-family: var(--f-display); font-weight: 500; font-size: 1.6rem; color: var(--green); }
.rail-call a:hover { color: var(--copper-ink); }
.fine { font-size: 0.78rem; color: var(--green-mut); line-height: 1.65; margin-top: 22px; }
.fine a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }

/* contact aside cards */
.contact-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.info-card { padding: 24px 0; border-bottom: 1px solid var(--line); }
.info-card:first-child { padding-top: 0; }
.info-card h3 { font-family: var(--f-display); font-weight: 500; font-size: 1.15rem; margin: 0 0 6px; }
.info-card p { margin: 0 0 8px; color: var(--green-mut); font-size: 0.95rem; }
.info-card a.big { font-family: var(--f-display); font-weight: 500; font-size: 1.4rem; color: var(--green); }
.info-card a.big:hover { color: var(--copper-ink); }
.hours-card { background: var(--green); color: #fff; padding: 28px; margin-top: 28px; }
.hours-card p.t { font-family: var(--f-display); font-size: 1.2rem; margin: 0 0 12px; color: #fff; }
.hours-card p.h { font-size: 0.92rem; color: rgba(255,255,255,0.75); line-height: 1.8; margin: 0; }

/* ---- Calculator ---------------------------------------------------------- */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.calc-block-title { font-family: var(--f-display); font-weight: 400; font-size: 1.5rem; margin: 0 0 6px; }
.calc-block-sub { color: var(--green-mut); margin: 0 0 24px; font-size: 0.95rem; }
.calc-input { margin-bottom: 18px; }
.calc-input label {
  display: block; font-size: 0.85rem; font-weight: 600;
  color: var(--green); margin-bottom: 7px;
}
.calc-input label small { font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--green-mut); }
.calc-input input {
  width: 100%; font-family: var(--f-body); font-size: 1rem; color: var(--green);
  border: 1px solid var(--line-strong); border-radius: 2px; padding: 12px 14px; background: #fff;
}
.calc-input input:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(13,40,24,0.08); }
.calc-input .hint { color: var(--green-mut); font-size: 0.76rem; display: block; margin-top: 6px; }
.calc-hr { border: none; border-top: 1px solid var(--line); margin: 34px 0; }

.result-panel { border: 1px solid var(--line); padding: 30px; }
.result-panel + .result-panel { margin-top: 20px; }
.result-panel h3 {
  font-family: var(--f-body); font-weight: 600; font-size: 0.8rem;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--copper-ink);
  margin: 0 0 18px;
}
.result-panel.cc { background: var(--paper); }
.result-panel.loan { background: var(--white); }
.calc-row { display: flex; justify-content: space-between; align-items: baseline; padding: 11px 0; border-bottom: 1px solid var(--line); }
.calc-row:last-child { border-bottom: none; }
.calc-row .lbl { color: var(--green-mut); font-size: 0.92rem; }
.calc-row .val { font-family: var(--f-display); font-weight: 500; font-size: 1.05rem; color: var(--green); }
.calc-row.total { margin-top: 4px; border-top: 1px solid var(--line-strong); padding-top: 16px; }
.calc-row.total .lbl { color: var(--green); font-weight: 600; }
.calc-row.total .val { font-size: 1.35rem; }
.savings-panel {
  background: var(--green); color: #fff; padding: 30px; margin-top: 20px;
  display: flex; align-items: baseline; justify-content: space-between; gap: 16px;
}
.savings-panel .lbl { font-size: 0.95rem; color: rgba(255,255,255,0.8); }
.savings-panel .val { font-family: var(--f-display); font-weight: 400; font-size: 2.2rem; color: var(--copper); }

/* ---- FAQ ----------------------------------------------------------------- */
.faq-list { border-top: 1px solid var(--line-strong); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
  padding: 26px 0;
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 1.15rem;
  color: var(--green);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: var(--f-display);
  font-weight: 300;
  font-size: 1.7rem;
  line-height: 1;
  color: var(--copper);
  flex: none;
  transition: transform .2s ease;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item summary:hover { color: var(--copper-ink); }
.faq-answer { padding: 0 40px 28px 0; max-width: 70ch; }
.faq-answer p { margin: 0 0 12px; color: var(--green-800); }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul { margin: 8px 0 0; padding: 0; list-style: none; }
.faq-answer ul li { position: relative; padding: 7px 0 7px 24px; border-bottom: 1px solid var(--line); color: var(--green-800); }
.faq-answer ul li::before { content: ""; position: absolute; left: 0; top: 17px; width: 12px; height: 1px; background: var(--copper); }
.faq-answer a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }
.faq-aside .sticky-head { position: sticky; top: 110px; }
.faq-aside h2 { font-family: var(--f-display); font-weight: 300; font-size: clamp(1.7rem, 3vw, 2.3rem); line-height: 1.1; margin: 0 0 16px; }
.faq-aside p { color: var(--green-mut); font-size: 0.98rem; margin: 0 0 20px; max-width: 34ch; }

/* ---- Legal pages --------------------------------------------------------- */
/* privacy: TOC sidebar */
.legal-layout { display: grid; grid-template-columns: 240px 1fr; gap: clamp(36px, 6vw, 88px); align-items: start; }
.legal-toc { position: sticky; top: 110px; }
.legal-toc .t { font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--copper-ink); font-weight: 600; margin: 0 0 16px; }
.legal-toc ol { list-style: none; margin: 0; padding: 0; counter-reset: toc; }
.legal-toc li { counter-increment: toc; margin: 0 0 4px; }
.legal-toc a {
  display: block; padding: 7px 0 7px 30px; position: relative;
  font-size: 0.9rem; color: var(--green-mut); border-left: 1px solid var(--line);
}
.legal-toc a::before {
  content: counter(toc, decimal-leading-zero);
  position: absolute; left: 12px; font-size: 0.72rem; color: var(--copper);
  font-family: var(--f-display);
}
.legal-toc a:hover { color: var(--green); border-left-color: var(--copper); }

.legal-body { max-width: 68ch; }
.last-updated { font-size: 0.85rem; color: var(--green-mut); margin: 0 0 40px; padding-bottom: 20px; border-bottom: 1px solid var(--line); }
.legal-body h2 {
  font-family: var(--f-display); font-weight: 400; font-size: 1.5rem;
  color: var(--green); margin: 46px 0 14px; scroll-margin-top: 100px;
}
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body p { color: var(--green-800); margin: 0 0 16px; }
.legal-body ul { margin: 0 0 20px; padding: 0; list-style: none; }
.legal-body ul li {
  position: relative; padding: 8px 0 8px 24px; color: var(--green-800); border-bottom: 1px solid var(--line);
}
.legal-body ul li::before { content: ""; position: absolute; left: 0; top: 18px; width: 12px; height: 1px; background: var(--copper); }
.legal-body a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }

/* terms: numbered single column */
.legal-numbered { max-width: 78ch; margin: 0 auto; }
.legal-numbered .clause { display: grid; grid-template-columns: 84px 1fr; gap: 8px 28px; padding: 34px 0; border-top: 1px solid var(--line); }
.legal-numbered .clause:first-of-type { border-top: none; padding-top: 0; }
.legal-numbered .cnum { font-family: var(--f-display); font-weight: 300; font-size: 2.2rem; line-height: 1; color: var(--copper); }
.legal-numbered .clause h2 { font-family: var(--f-display); font-weight: 500; font-size: 1.3rem; margin: 6px 0 12px; grid-column: 2; }
.legal-numbered .cbody { grid-column: 2; }
.legal-numbered .cbody p { margin: 0 0 14px; color: var(--green-800); }
.legal-numbered .cbody ul { margin: 0; padding: 0; list-style: none; }
.legal-numbered .cbody ul li { position: relative; padding: 7px 0 7px 24px; border-bottom: 1px solid var(--line); color: var(--green-800); }
.legal-numbered .cbody ul li::before { content: ""; position: absolute; left: 0; top: 17px; width: 12px; height: 1px; background: var(--copper); }
.legal-numbered a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }

/* disclaimer: centered narrow with callout */
.legal-center { max-width: 64ch; margin: 0 auto; }
.callout {
  border: 1px solid var(--copper);
  background: var(--paper);
  padding: 28px 32px;
  margin: 0 0 44px;
}
.callout .k { font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--copper-ink); font-weight: 600; margin: 0 0 10px; }
.callout p { margin: 0; color: var(--green-800); font-size: 1.02rem; }
.legal-center .last-updated { margin-bottom: 32px; }
.legal-center h2 {
  font-family: var(--f-display); font-weight: 400; font-size: 1.4rem;
  color: var(--green); margin: 40px 0 12px; padding-top: 34px; border-top: 1px solid var(--line);
}
.legal-center h2:first-of-type { border-top: none; padding-top: 0; }
.legal-center p { color: var(--green-800); margin: 0 0 16px; }
.legal-center ul { margin: 0 0 18px; padding: 0; list-style: none; }
.legal-center ul li { position: relative; padding: 8px 0 8px 24px; border-bottom: 1px solid var(--line); color: var(--green-800); }
.legal-center ul li::before { content: ""; position: absolute; left: 0; top: 18px; width: 12px; height: 1px; background: var(--copper); }
.legal-center a { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }

/* ---- Footer -------------------------------------------------------------- */
.site-footer { background: var(--green); color: rgba(255,255,255,0.72); padding: clamp(56px, 7vw, 88px) 0 40px; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.15); }
.footer-brand .site-logo { height: 34px; }
.footer-brand p { font-size: 0.9rem; max-width: 32ch; margin: 16px 0 0; color: rgba(255,255,255,0.6); }
.footer-col h5 {
  font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--copper); font-weight: 600; margin: 0 0 16px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: rgba(255,255,255,0.7); font-size: 0.92rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom { display: flex; flex-direction: column; gap: 14px; padding-top: 28px; font-size: 0.85rem; color: rgba(255,255,255,0.55); }
.footer-bottom small { font-size: 0.76rem; line-height: 1.6; color: rgba(255,255,255,0.4); max-width: 100ch; }

/* ---- Responsive ---------------------------------------------------------- */
@media (max-width: 900px) {
  .primary-nav {
    position: absolute; left: 0; right: 0; top: 78px;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; gap: 0; padding: 0; display: none;
  }
  .primary-nav.nav-open { display: flex; }
  .nav-links { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  .nav-links li { border-bottom: 1px solid var(--line); }
  .nav-links a { padding: 16px var(--gut); border-bottom: none; }
  .header-cta { padding: 16px var(--gut) 22px; flex-direction: column; align-items: stretch; gap: 14px; }
  .header-phone { text-align: center; }
  .header-cta .btn { justify-content: center; }
  .menu-toggle { display: inline-flex; }
  .header-inner { position: relative; }
}
@media (max-width: 820px) {
  .steps-row { grid-template-columns: 1fr; }
  .step-card { border-right: none; }
  .feature-grid, .feature-grid.three { grid-template-columns: 1fr; }
  .editorial { grid-template-columns: 1fr; }
  .editorial .sticky-head { position: static; }
  .cta-band .cta-inner { grid-template-columns: 1fr; gap: 34px; }
  .cta-contact { border-left: none; border-top: 1px solid rgba(255,255,255,0.18); padding-left: 0; padding-top: 30px; }
  .apply-grid, .contact-grid, .calc-grid { grid-template-columns: 1fr; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .field-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { justify-content: center; }
  .legal-numbered .clause { grid-template-columns: 1fr; gap: 4px; }
  .legal-numbered .clause h2, .legal-numbered .cbody { grid-column: 1; }
  .legal-numbered .cnum { grid-column: 1; }
}

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