/*
  Outfit, self-hosted.

  Served from our own origin rather than fonts.gstatic.com: the font blocks
  first paint, and a third-party origin costs a DNS lookup, a TCP handshake and
  a TLS negotiation before the file even starts downloading. It is a variable
  font, so one file covers every weight from 400 to 700.
*/

@font-face {
  font-family: 'Outfit';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('/za/fonts/outfit-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

@font-face {
  font-family: 'Outfit';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('/za/fonts/outfit-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/*
  Finpandas South Africa.

  Warm, tactile and branded: cream paper rather than white, forest green and
  rand-gold rather than flat slate, and buttons with real depth. One stylesheet
  for every page under /za/ — tokens, then layout, then components.
*/

:root {
  /* Brand — the "Organic Trust" system */
  --forest: #114510;
  --forest-deep: #0c3309;
  --forest-dark: #002d02;
  --forest-tint: #edfbec;
  --forest-ring: rgba(17, 69, 16, .16);
  --lime: #7ac043;

  --gold: #f7941d;
  --gold-light: #ffb45c;
  --gold-deep: #d97b06;
  --gold-tint: #fff4e6;
  --gold-ink: #8c4f00;

  --clay: #ba1a1a;
  --clay-tint: #ffdad6;

  /* Paper & ink */
  --ink: #1a1c19;
  --ink-soft: #42493e;
  --muted: #5f665a;
  --line: #d6dbd3;
  --line-soft: #ebeee9;
  --paper: #ffffff;
  --paper-warm: #f7f8f6;
  --paper-deep: #eef0ec;

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  /* Ambient, tinted with the primary green rather than flat black. */
  --shadow-xs: 0 1px 2px rgba(17, 69, 16, .04);
  --shadow-sm: 0 1px 3px rgba(17, 69, 16, .05);
  --shadow: 0 6px 20px rgba(17, 69, 16, .06);
  --shadow-lg: 0 18px 44px rgba(17, 69, 16, .09);

  --wrap: 1160px;
  --font: "Outfit", "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font);
  font-size: 16.5px;
  line-height: 1.68;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--forest); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { line-height: 1.16; margin: 0 0 .6em; letter-spacing: -0.02em; font-weight: 700; }
h1 { font-size: clamp(2.15rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.62rem, 3vw, 2.35rem); }
h3 { font-size: 1.24rem; font-weight: 600; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }

::selection { background: var(--gold-light); color: var(--ink); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 22px; }
.section { padding: 86px 0; position: relative; }
.section--warm { background: var(--paper-warm); }
.section--warm::before {
}
.section > .wrap { position: relative; }
.section__head { max-width: 680px; margin: 0 auto 52px; text-align: center; }
.section__head p { color: var(--ink-soft); font-size: 1.08rem; margin: 0; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: 16px;
  padding: 7px 16px 7px 12px; border-radius: 999px;
  background: var(--gold-tint);
  border: 1px solid #ffe3c2; color: var(--gold-ink);
  font-size: .78rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase;
  box-shadow: var(--shadow-xs);
}
.eyebrow::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }

/* ---------- header ---------- */

.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255, 253, 248, .88);
  backdrop-filter: blur(12px) saturate(1.4);
  border-bottom: 1px solid var(--line);
}
.site-header__inner { display: flex; align-items: center; gap: 24px; height: 78px; }

.brand { display: flex; align-items: center; gap: 11px; font-weight: 800; font-size: 1.28rem; color: var(--ink); letter-spacing: -0.035em; }
.brand:hover { text-decoration: none; }
.brand__panda { width: 44px; height: 44px; flex: none; filter: drop-shadow(0 3px 6px rgba(34, 31, 28, .13)); }
.brand em { font-style: normal; color: var(--forest); }

.nav { margin-left: auto; display: flex; align-items: center; gap: 30px; }
.nav a { color: var(--ink-soft); font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--forest); text-decoration: none; }
.nav a.btn--primary, .nav a.btn--primary:hover { color: #fff; }
.nav a.btn--gold, .nav a.btn--gold:hover { color: #40230a; }
.nav-toggle {
  display: none; margin-left: auto; width: 46px; height: 46px; border: 1px solid var(--line);
  border-radius: 13px; background: #fff; cursor: pointer; font-size: 1.2rem; color: var(--ink);
  box-shadow: var(--shadow-xs);
}

/* ---------- buttons ---------- */

.btn {
  position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 15px 30px; border: 0; border-radius: 999px; cursor: pointer;
  font: inherit; font-weight: 700; font-size: 1rem; letter-spacing: -0.01em; text-align: center;
  transition: transform .14s cubic-bezier(.2, .8, .3, 1), box-shadow .2s ease;
}
.btn:hover { text-decoration: none; }
.btn--primary {
  background: var(--forest);
  color: #fff;
  box-shadow: 0 2px 6px rgba(17, 69, 16, .22);
}
.btn--primary:hover { transform: translateY(-1px); background: var(--forest-deep); box-shadow: 0 6px 16px rgba(17, 69, 16, .26); }
.btn--primary:active, .btn--gold:active, .btn--ghost:active {
  /* Physical feedback: the button loses its lift and settles into the paper. */
  transform: translateY(1px);
  box-shadow: 0 1px 2px rgba(17, 69, 16, .18);
}
.btn--gold {
  background: var(--gold);
  color: #ffffff;
  box-shadow: 0 2px 6px rgba(217, 123, 6, .26);
}
.btn--gold:hover { transform: translateY(-1px); background: var(--gold-deep); box-shadow: 0 6px 16px rgba(217, 123, 6, .3); }
.btn--ghost {
  background: #fff; color: var(--ink);
  border: 1px solid var(--line); box-shadow: var(--shadow-xs);
}
.btn--ghost:hover { border-color: var(--forest); color: var(--forest-deep); transform: translateY(-1px); }
.btn--ghost::after { display: none; }
.btn--block { width: 100%; }
.btn--lg { padding: 18px 38px; font-size: 1.08rem; }
.btn[disabled] { opacity: .58; cursor: not-allowed; transform: none; }

/* ---------- hero ---------- */

.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 520px at 78% -20%, rgba(247, 148, 29, .09), transparent 60%),
    linear-gradient(180deg, #f7f9f6, var(--paper));
}
.hero::before {
}
.hero__grid { position: relative; display: grid; grid-template-columns: 1.02fr .98fr; gap: 60px; align-items: center; padding: 78px 0 92px; }
.hero__lede { font-size: 1.16rem; color: var(--ink-soft); max-width: 33em; }
.hero h1 mark {
  /* Highlight that survives a line break rather than forcing an awkward one. */
  background: none; color: var(--forest);
  background-image: linear-gradient(90deg, var(--gold), var(--gold));
  background-repeat: no-repeat; background-size: 100% .12em; background-position: 0 96%;
  -webkit-box-decoration-break: clone; box-decoration-break: clone;
}
.hero__points { list-style: none; margin: 28px 0 0; padding: 0; display: grid; gap: 14px; }
.hero__points li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-soft); }
.hero__tick {
  flex: none; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center;
  background: var(--forest); color: #fff;
}
.hero__art { position: relative; }
.hero__art img { width: 100%; max-width: 470px; margin: 0 auto; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-top: 32px; }
.hero__actions small { color: var(--muted); font-size: .86rem; }

/* ---------- cards & calculator ---------- */

.card {
  position: relative; background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--radius-xl);
  box-shadow: var(--shadow); padding: 32px;
}
.card--raised { box-shadow: var(--shadow-lg); }
.card__ribbon {
  position: absolute; top: -14px; left: 32px; padding: 6px 16px; border-radius: 999px;
  background: var(--gold); color: #fff;
  font-size: .76rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  box-shadow: 0 6px 14px rgba(201, 135, 31, .3);
}

.calc__row { margin-bottom: 24px; }
.calc__label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.calc__label span:first-child { font-weight: 700; font-size: .93rem; color: var(--ink-soft); }
.calc__value { font-size: 1.45rem; font-weight: 800; color: var(--forest-deep); letter-spacing: -0.03em; }
.calc__scale { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted); margin-top: 8px; }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px;
  border-radius: 999px; outline: none;
  background: var(--paper-deep);
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 30px; height: 30px; border-radius: 50%;
  background: var(--forest);
  border: 5px solid #fff; box-shadow: 0 2px 8px rgba(17, 69, 16, .3); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--forest);
  border: 5px solid #fff; box-shadow: 0 2px 8px rgba(17, 69, 16, .3); cursor: pointer;
}

.calc__estimate {
  margin: 6px 0 22px; padding: 18px 20px; border-radius: var(--radius);
  background: var(--forest-tint);
  border: 1px solid #d7ecd5;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.calc__estimate small { display: block; color: var(--forest-deep); font-weight: 700; font-size: .78rem; }
.calc__estimate strong { font-size: 1.6rem; letter-spacing: -0.035em; }
.calc__note { font-size: .79rem; color: var(--muted); margin: 16px 0 0; line-height: 1.55; }

/* ---------- trust bar ---------- */

.trustbar { background: var(--forest-dark); color: #dbe7df; position: relative; overflow: hidden; }
.trustbar ul {
  position: relative; list-style: none; display: flex; flex-wrap: wrap; gap: 16px 46px;
  justify-content: center; margin: 0; padding: 26px 0;
}
.trustbar li { display: flex; align-items: center; gap: 11px; font-size: .93rem; font-weight: 600; }
.trustbar .chip {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; flex: none;
  background: rgba(247, 206, 123, .16); color: var(--gold-light);
}

/* ---------- tiles ---------- */

.grid { display: grid; gap: 26px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.tile {
  background: var(--paper-warm); border: 1px solid var(--forest-tint); border-radius: var(--radius-lg);
  padding: 30px; box-shadow: var(--shadow-xs); transition: transform .16s ease, box-shadow .22s ease;
}
.tile:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.tile__art { width: 118px; height: 118px; margin: -8px 0 12px -8px; }
.tile__num {
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: 12px;
  font-size: .76rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; color: var(--gold-ink);
}
.tile__num::before {
  content: ""; width: 22px; height: 2px; border-radius: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}
.tile h3 { margin-bottom: .4em; }
.tile p { color: var(--ink-soft); margin: 0; font-size: .96rem; }

.feature { display: flex; gap: 16px; align-items: flex-start; }
.feature__icon {
  flex: none; width: 46px; height: 46px; border-radius: 15px; display: grid; place-items: center;
  background: var(--forest-tint); border: 1px solid #d7ecd5; color: var(--forest);
}

/* ---------- disclosure & tables ---------- */

.disclosure {
  position: relative; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--paper); padding: 30px 32px; box-shadow: var(--shadow-sm); overflow: hidden;
}
.disclosure::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 5px;
  background: linear-gradient(180deg, var(--forest), var(--gold));
}
.disclosure h3 { margin-bottom: .5em; }
.disclosure p { color: var(--ink-soft); font-size: .96rem; }
.disclosure p:last-child { margin-bottom: 0; }

.example-table { width: 100%; border-collapse: collapse; margin-top: 8px; font-size: .96rem; }
.example-table th, .example-table td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line-soft); }
.example-table th { color: var(--muted); font-weight: 600; width: 55%; }
.example-table td { font-weight: 700; text-align: right; }
.example-table tr:last-child th, .example-table tr:last-child td { border-bottom: 0; }
.table-scroll { overflow-x: auto; }

/* ---------- faq ---------- */

.faq details {
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper);
  padding: 20px 24px; margin-bottom: 14px; box-shadow: var(--shadow-xs); transition: box-shadow .2s ease;
}
.faq details[open] { box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; font-weight: 700; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; flex: none; width: 26px; height: 26px; border-radius: 50%;
  background: var(--forest-tint); color: var(--forest-deep);
  display: grid; place-items: center; font-size: 1.1rem; line-height: 1;
}
.faq details[open] summary::after { content: "–"; background: var(--gold-tint); color: var(--gold-ink); }
.faq details p { margin: 14px 0 0; color: var(--ink-soft); font-size: .96rem; }

/* ---------- cta band ---------- */

.cta-band {
  position: relative; overflow: hidden; text-align: center; color: #fff;
  background: var(--forest);
}
.cta-band::after {
  content: ""; position: absolute; width: 460px; height: 460px; right: -140px; top: -180px; border-radius: 50%;
  background: radial-gradient(circle, rgba(247, 206, 123, .22), transparent 65%);
}
.cta-band .wrap { position: relative; }
.cta-band h2 { color: #fff; }
/* The band is forest green, so a forest-green button disappears into it. */
.cta-band .btn--primary { background: var(--gold); color: #fff; }
.cta-band .btn--primary:hover { background: var(--gold-deep); }
.cta-band .btn--ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .5); }
.cta-band .btn--ghost:hover { background: rgba(255, 255, 255, .1); color: #fff; border-color: #fff; }
.cta-band p { color: rgba(255, 255, 255, .86); max-width: 46em; margin: 0 auto 30px; }

/* ---------- article / legal ---------- */

.page-head {
  padding: 64px 0 52px; border-bottom: 1px solid var(--line); position: relative; overflow: hidden;
  background: linear-gradient(180deg, #f7f9f6, var(--paper));
}
.page-head .wrap { position: relative; }
.page-head p { color: var(--ink-soft); margin: 0; }

.prose { max-width: 760px; margin: 0 auto; padding: 60px 0 80px; }
.prose h2 { margin-top: 2em; }
.prose h3 { margin-top: 1.6em; }
.prose ul, .prose ol { color: var(--ink-soft); padding-left: 1.2em; }
.prose li { margin-bottom: .55em; }
.prose li::marker { color: var(--gold-deep); }
.prose blockquote { margin: 1.6em 0; padding: 4px 0 4px 22px; border-left: 3px solid var(--gold); color: var(--ink-soft); font-style: italic; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.6em 0; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 11px 14px; text-align: left; }
.prose th { background: var(--paper-warm); font-weight: 700; }
.prose code { background: var(--paper-deep); padding: 2px 6px; border-radius: 6px; font-size: .9em; }
.meta { color: var(--muted); font-size: .88rem; }

.post-list { display: grid; gap: 24px; grid-template-columns: repeat(2, 1fr); }
.post-card {
  display: flex; flex-direction: column; padding: 30px; background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm);
  transition: box-shadow .22s ease, transform .16s ease;
}
.post-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); text-decoration: none; }
.post-card h3 { margin-bottom: .4em; color: var(--ink); }
.post-card p { color: var(--ink-soft); font-size: .96rem; margin-bottom: 1.2em; }
.post-card .meta { margin-top: auto; }
.post-card__tag {
  align-self: flex-start; margin-bottom: 14px; padding: 5px 13px; border-radius: 999px;
  background: var(--forest-tint); color: var(--forest-deep); font-size: .73rem; font-weight: 800;
  letter-spacing: .06em; text-transform: uppercase;
}

/* ---------- footer ---------- */

.site-footer {
  position: relative; overflow: hidden;
  background: var(--forest-dark); color: #c9d8cf; padding: 72px 0 34px; font-size: .94rem;
}
.site-footer .wrap { position: relative; }
.site-footer h4 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 18px; }
.site-footer a { color: #c9d8cf; }
.site-footer a:hover { color: var(--gold-light); }
.site-footer__grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 40px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 11px; }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer .brand em { color: var(--gold-light); }
.site-footer__legal {
  margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .14);
  color: #9caea3; font-size: .85rem;
}
.site-footer__legal p { margin-bottom: 1em; }

/* ---------- form ---------- */

.form-shell { max-width: 660px; margin: 0 auto; padding: 20px 0 56px; }
.form-shell .card { padding: 26px 28px; }
.steps { display: flex; align-items: center; gap: 10px; margin-bottom: 32px; }
.steps__item { flex: 1; display: flex; flex-direction: column; gap: 9px; font-size: .78rem; color: var(--muted); font-weight: 700; }
.steps__bar { height: 6px; border-radius: 999px; background: var(--paper-deep); box-shadow: inset 0 1px 2px rgba(34, 31, 28, .08); }
.steps__item.is-active .steps__bar { background: var(--gold); }
.steps__item.is-done .steps__bar { background: var(--forest); }
.steps__item.is-active { color: var(--gold-ink); }
.steps__item.is-done { color: var(--forest-deep); }

.field { margin-bottom: 16px; }
.step-heading { margin: 0 0 5px; font-size: 1.12rem; font-weight: 700; }
.step-heading + .step-sub { margin: 0 0 18px; color: var(--muted); font-size: .9rem; }
.field > label { display: block; font-weight: 700; font-size: .97rem; margin-bottom: 9px; color: var(--ink); }
.field input::placeholder { color: #98a093; }
.field .hint { display: block; font-weight: 500; font-size: .84rem; color: var(--muted); margin-top: 7px; }
.field input:not([type="range"]):not([type="checkbox"]):not([type="radio"]), .field select {
  width: 100%; min-height: 56px; padding: 15px 18px; border: 1px solid var(--line); border-radius: var(--radius-sm);
  font: inherit; color: var(--ink); background: #fff;
  box-shadow: inset 0 1px 2px rgba(34, 31, 28, .05);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field select {
  appearance: none; padding-right: 42px; background-repeat: no-repeat; background-position: right 16px center;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%237c7267' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
}
.field input:not([type="range"]):not([type="checkbox"]):not([type="radio"]):focus, .field select:focus { outline: none; border-color: var(--forest); box-shadow: 0 0 0 4px var(--forest-ring); }
.field.has-error input:not([type="range"]):not([type="checkbox"]):not([type="radio"]), .field.has-error select { border-color: var(--clay); box-shadow: 0 0 0 4px rgba(194, 112, 90, .14); }
.field__error { display: none; color: #a4462c; font-size: .83rem; margin-top: 7px; font-weight: 600; }
.field.has-error .field__error { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.choice {
  position: relative; display: flex; align-items: center; gap: 12px; min-height: 56px; padding: 14px 18px;
  border: 1px solid var(--line); border-radius: var(--radius-sm); cursor: pointer; font-size: .95rem;
  background: #fff; font-weight: 600; color: var(--ink-soft);
}
.choice input { position: absolute; opacity: 0; pointer-events: none; }
/* A radio dot, so it reads as one selection out of several. */
.choice::before {
  content: ""; flex: none; width: 21px; height: 21px; border-radius: 50%;
  border: 2px solid #c2c9bd; background: #fff; transition: border-color .15s ease, box-shadow .15s ease;
}
.choice:hover { border-color: var(--forest); }
.choice:hover::before { border-color: var(--forest); }
.choice:has(input:checked) {
  border-color: var(--forest); color: var(--forest); background: var(--forest-tint);
}
.choice:has(input:checked)::before {
  border-color: var(--forest);
  box-shadow: inset 0 0 0 4px #fff, inset 0 0 0 11px var(--forest);
}
.choice:has(input:focus-visible) { outline: 2px solid var(--forest); outline-offset: 2px; }

.consent-note {
  margin: 26px 0 0; padding: 16px 18px; border-radius: var(--radius);
  background: var(--paper-warm); border: 1px solid var(--line);
  font-size: .83rem; color: var(--muted); line-height: 1.6;
}
.consent-note a { color: var(--forest); font-weight: 600; }

.form-actions { display: flex; gap: 14px; margin-top: 20px; }
.form-actions .btn { flex: 1; }
.form-error {
  display: none; margin-top: 20px; padding: 14px 18px; border-radius: 14px;
  background: var(--clay-tint); border: 1px solid #f0cfc4; color: #a4462c; font-size: .92rem; font-weight: 600;
}
.form-error.is-visible { display: block; }
.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.secure-note { display: flex; align-items: center; justify-content: center; gap: 9px; margin-top: 20px; color: var(--muted); font-size: .86rem; }

/* ---------- processing / offers ---------- */

.processing { min-height: 74vh; display: grid; place-items: center; padding: 64px 22px; text-align: center; }
.processing__card { max-width: 540px; width: 100%; }
.spinner {
  width: 58px; height: 58px; margin: 0 auto 22px; border-radius: 50%;
  border: 5px solid var(--paper-deep); border-top-color: var(--forest); animation: spin 1s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.processing__panda { width: 150px; margin: 0 auto 20px; animation: bob 2.8s ease-in-out infinite; }
@keyframes bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.progress { height: 8px; border-radius: 999px; background: var(--paper-deep); overflow: hidden; margin: 28px 0 24px; box-shadow: inset 0 1px 3px rgba(34, 31, 28, .1); }
.progress__bar { height: 100%; width: 4%; border-radius: 999px; background: linear-gradient(90deg, var(--forest), #3f9d74, var(--gold)); transition: width .6s ease; }
.stages { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; text-align: left; }
.stages li { display: flex; align-items: center; gap: 13px; color: var(--muted); font-size: .96rem; transition: color .3s ease; }
.stages li .dot { width: 22px; height: 22px; border-radius: 50%; border: 2px solid var(--line); flex: none; display: grid; place-items: center; font-size: .7rem; color: transparent; }
.stages li.is-done { color: var(--ink); }
.stages li.is-done .dot { background: var(--forest); border-color: var(--forest); color: #fff; }
.stages li.is-active { color: var(--ink); font-weight: 700; }
.stages li.is-active .dot { border-color: var(--gold); box-shadow: 0 0 0 4px var(--gold-tint); }

.offer {
  display: flex; flex-wrap: wrap; gap: 22px; align-items: center; justify-content: space-between;
  padding: 28px; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--paper); margin-bottom: 18px; box-shadow: var(--shadow-sm);
}
.offer__terms { display: flex; flex-wrap: wrap; gap: 28px; }
.offer__terms div small { display: block; color: var(--muted); font-size: .78rem; }
.offer__terms div strong { font-size: 1.15rem; }
.badge {
  display: inline-block; padding: 4px 12px; border-radius: 999px;
  background: var(--gold); color: #fff;
  font-size: .73rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
}

/* ---------- cookie banner ---------- */

.cookie-bar {
  position: fixed; left: 18px; right: 18px; bottom: 18px; z-index: 90;
  display: none; gap: 20px; align-items: center; flex-wrap: wrap; justify-content: space-between;
  max-width: 920px; margin: 0 auto; padding: 20px 24px;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
}
.cookie-bar.is-visible { display: flex; }
.cookie-bar p { margin: 0; font-size: .89rem; color: var(--ink-soft); flex: 1 1 340px; }
.cookie-bar .btn { padding: 11px 22px; font-size: .9rem; }

/* ---------- responsive ---------- */

@media (max-width: 940px) {
  .hero__grid { grid-template-columns: 1fr; gap: 28px; padding: 34px 0 56px; text-align: center; }
  /* Put the action in the first screen: title, then the calculator, then the rest. */
  .hero__grid > div:first-child { display: contents; }
  .hero__grid h1 { order: 1; margin-bottom: .35em; }
  .hero .hero__lede { order: 2; margin-bottom: 4px; font-size: 1.02rem; }
  .hero__art, .hero .card { order: 3; }
  .hero__points--rest { order: 4; }
  .hero__actions--rest { order: 5; }
  .hero__lede { margin-inline: auto; }
  .hero__points { text-align: left; max-width: 420px; margin-inline: auto; }
  .hero__actions { justify-content: center; }
  .hero__art { order: -1; }
  .hero__art img { max-width: 320px; }
  .grid--3, .grid--4, .grid--2, .post-list { grid-template-columns: 1fr; }
  .photo-band__grid { grid-template-columns: 1fr; gap: 36px; padding: 56px 0; }
  .photo--tall { aspect-ratio: 16 / 11; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .nav {
    display: none; position: absolute; top: 78px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper); border-bottom: 1px solid var(--line); padding: 10px 22px 20px;
    box-shadow: var(--shadow);
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 13px 0; border-bottom: 1px solid var(--line-soft); }
  .nav .btn { margin-top: 14px; }
  .nav-toggle { display: block; }
  .section { padding: 62px 0; }
}

@media (max-width: 580px) {
  .hide-sm { display: none; }
  .field-row, .choice-grid { grid-template-columns: 1fr; }
  .site-footer__grid { grid-template-columns: 1fr; }
  .card { padding: 24px; }
  .offer { flex-direction: column; align-items: stretch; }
  .trustbar ul { gap: 12px 26px; }
}

/* ==========================================================================
   Brand components — logo lockup, photography, loan types, blog teaser
   ========================================================================== */

.brand__logo { width: 46px; height: 46px; flex: none; border-radius: 50%; }
.brand__word { font-weight: 700; letter-spacing: -0.03em; }

/* Photography ------------------------------------------------------------ */

.photo {
  position: relative; overflow: hidden; border-radius: var(--radius-xl);
  box-shadow: var(--shadow); background: var(--paper-deep);
}
.photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.photo--tall { aspect-ratio: 4 / 5; }
.photo--wide { aspect-ratio: 16 / 9; }
.photo::after {
  /* Warms the photograph so it sits with the paper palette rather than on top of it. */
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 70%, rgba(17, 69, 16, .06));
  pointer-events: none;
}

.photo-band {
  position: relative; overflow: hidden;
  background: var(--paper-warm);
}
.photo-band__grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 56px; align-items: center; padding: 86px 0; }
.photo-band__stats { display: flex; flex-wrap: wrap; gap: 32px; margin-top: 30px; }
.photo-band__stats div strong { display: block; font-size: 1.7rem; font-weight: 700; color: var(--forest); letter-spacing: -0.03em; }
.photo-band__stats div span { font-size: .9rem; color: var(--muted); }

/* Loan type cards -------------------------------------------------------- */

.loan-type {
  display: block; padding: 28px; border-radius: var(--radius-lg);
  background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-xs);
  transition: transform .16s ease, box-shadow .22s ease, border-color .2s ease;
}
.loan-type:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--forest-tint); text-decoration: none; }
.loan-type__icon {
  width: 52px; height: 52px; border-radius: var(--radius); display: grid; place-items: center;
  margin-bottom: 16px; background: var(--forest-tint); color: var(--forest);
}
.loan-type h3 { margin-bottom: .35em; color: var(--ink); }
.loan-type p { margin: 0 0 1em; color: var(--ink-soft); font-size: .95rem; }
.loan-type__meta { font-size: .84rem; font-weight: 600; color: var(--gold-ink); }

/* Chips and pills -------------------------------------------------------- */

.pill {
  display: inline-flex; align-items: center; gap: 9px; padding: 9px 18px 9px 12px;
  border-radius: 999px; background: var(--paper); border: 1px solid var(--line);
  box-shadow: var(--shadow-xs); font-size: .88rem; font-weight: 600; color: var(--ink-soft);
}
.pill svg { color: var(--forest); flex: none; }
.pill-row { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

/* Steps with connecting rule --------------------------------------------- */

.steps-flow { position: relative; }
.steps-flow::before {
  content: ""; position: absolute; left: 12%; right: 12%; top: 78px; height: 2px;
  background: repeating-linear-gradient(90deg, var(--outline, #c1c9bb) 0 8px, transparent 8px 18px);
  opacity: .5;
}
@media (max-width: 940px) { .steps-flow::before { display: none; } }

/* Blog teaser ------------------------------------------------------------ */

.teaser { display: grid; gap: 18px; }
.teaser a {
  display: flex; gap: 16px; align-items: baseline; padding: 18px 22px;
  border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line);
  color: var(--ink); font-weight: 600; box-shadow: var(--shadow-xs);
  transition: border-color .2s ease, transform .16s ease;
}
.teaser a:hover { border-color: var(--forest); transform: translateX(3px); text-decoration: none; }
.teaser a span { margin-left: auto; color: var(--muted); font-weight: 500; font-size: .86rem; white-space: nowrap; }

/* Mascot placements ------------------------------------------------------ */

.mascot-inline { width: 64px; height: 64px; flex: none; }
.mascot-blob {
  position: relative; display: grid; place-items: center;
  width: 100%; max-width: 420px; margin: 0 auto; aspect-ratio: 1;
}
.mascot-blob::before {
  content: ""; position: absolute; inset: 0; border-radius: 46% 54% 52% 48% / 50% 46% 54% 50%;
  background: var(--forest-tint);
}
.mascot-blob img { position: relative; width: 76%; height: auto; }

/* Section rule ----------------------------------------------------------- */

.rule { height: 1px; background: var(--line); border: 0; margin: 0; }

/* The paw is the mark. It inherits colour, so it works on paper and on forest. */
.brand__paw { width: 34px; height: 34px; flex: none; color: var(--forest); }
/* Any image sized by CSS keeps its aspect ratio, whatever its height attribute says. */
.hero__art img, .mascot-blob img, .cta-band img, .page-head img, .processing__panda { height: auto; }
.site-footer .brand__paw { color: var(--lime); }

/* Numbered step medallions, replacing the illustrated scenes. */
.step-badge {
  width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center;
  margin-bottom: 20px; background: var(--forest-tint); color: var(--forest);
  font-size: 1.3rem; font-weight: 700; border: 1px solid #d7ecd5;
}
.step-badge svg { width: 26px; height: 26px; }

/* Purpose picker — tap a tile instead of hunting through a dropdown. */
.purpose-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.purpose {
  position: relative; display: flex; flex-direction: column; align-items: center; gap: 9px;
  padding: 13px 8px; text-align: center; cursor: pointer;
  border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
  font-size: .79rem; font-weight: 600; color: var(--ink-soft); line-height: 1.25;
  transition: border-color .15s ease, background .15s ease, transform .12s ease;
}
.purpose input { position: absolute; opacity: 0; pointer-events: none; }
.purpose svg { width: 22px; height: 22px; color: var(--forest); }
.purpose:hover { border-color: var(--forest); transform: translateY(-1px); }
.purpose:has(input:checked) {
  border-color: var(--forest); background: var(--forest-tint); color: var(--forest);
  box-shadow: 0 0 0 3px var(--forest-ring);
}
.purpose:has(input:focus-visible) { outline: 2px solid var(--forest); outline-offset: 2px; }
@media (max-width: 720px) { .purpose-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 480px) { .purpose-grid { grid-template-columns: repeat(2, 1fr); } }

/* A hand-drawn marker stroke for emphasising a phrase in running copy.
   preserveAspectRatio="none" lets the stroke stretch to whatever it underlines. */
.accent {
  font-weight: 600;
  color: var(--ink);
  padding-bottom: .16em;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 12' preserveAspectRatio='none'%3E%3Cpath d='M1.5 8.4C18 4.2 44 3.2 64 5.1c12 1.1 22 2.6 34.5 1.2' fill='none' stroke='%23f7941d' stroke-width='2.6' stroke-linecap='round'/%3E%3Cpath d='M6 11c14-2.2 38-3 56-1.7' fill='none' stroke='%23f7941d' stroke-width='1.6' stroke-linecap='round' opacity='.45'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-size: 100% .55em;
  background-position: 0 100%;
}

/* Below the action, the estimate is reference rather than a result — quieter. */
.calc__estimate--info {
  margin: 24px 0 0;
  background: var(--paper-warm);
  border-color: var(--line);
}
.calc__estimate--info small { color: var(--muted); }
.calc__estimate--info strong { font-size: 1.3rem; color: var(--ink); }

/* Offers page ------------------------------------------------------------ */

.offer--primary { border-color: var(--forest); box-shadow: 0 0 0 3px var(--forest-ring), var(--shadow-sm); }
.offer-notice {
  margin-bottom: 22px; padding: 16px 20px; border-radius: var(--radius);
  background: var(--forest-tint); border: 1px solid #d7ecd5; color: var(--forest-deep); font-size: .94rem;
}

/* ==========================================================================
   Offer wall — the Stitch "Your Loan Offers" layout
   ========================================================================== */

.offers-head { display: flex; flex-wrap: wrap; gap: 20px; align-items: flex-end; justify-content: space-between; margin-bottom: 30px; }
.offers-head h1 { color: var(--forest); font-size: clamp(1.9rem, 3.6vw, 2.8rem); margin: 0 0 8px; }
.offers-head p { margin: 0; color: var(--muted); }

.offer-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 820px) { .offer-grid { grid-template-columns: 1fr; } }

.offer-card {
  position: relative; overflow: hidden; display: flex; flex-direction: column;
  padding: 26px; border-radius: var(--radius-xl);
  background: var(--paper-warm); border: 1px solid var(--forest-tint);
  box-shadow: 0 4px 20px -4px rgba(0, 45, 2, .05);
  transition: box-shadow .3s ease, transform .16s ease;
}
.offer-card:hover { box-shadow: 0 8px 30px -4px rgba(0, 45, 2, .12); transform: translateY(-2px); }
.offer-card--best { border-color: var(--forest); }

.offer-card__flag {
  position: absolute; top: 0; right: 0; display: flex; align-items: center; gap: 6px;
  padding: 7px 14px; border-radius: 0 0 0 var(--radius);
  background: var(--gold); color: #fff; font-size: .76rem; font-weight: 700; letter-spacing: .02em;
}

.offer-card__head { display: flex; align-items: center; gap: 15px; margin-bottom: 22px; }
/* Keep the name clear of the corner flag. */
.offer-card--best .offer-card__head { padding-right: 112px; }
.offer-card__mark {
  width: 50px; height: 50px; flex: none; border-radius: 50%; display: grid; place-items: center;
  background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-xs);
  color: var(--forest); font-weight: 700; font-size: 1.25rem;
}
.offer-card__head h3 { margin: 0 0 2px; color: var(--forest); font-size: 1.24rem; }
.offer-card__head p { margin: 0; font-size: .85rem; color: var(--muted); display: flex; align-items: center; gap: 6px; }

.offer-card__metrics { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-bottom: 22px; flex-grow: 1; }
.offer-card__metric { padding: 13px 15px; border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line-soft); }
.offer-card__metric span { display: block; font-size: .78rem; color: var(--muted); margin-bottom: 3px; }
.offer-card__metric strong { font-size: 1.12rem; color: var(--forest); letter-spacing: -0.02em; }

.offers-chip {
  display: inline-flex; align-items: center; gap: 9px; padding: 9px 18px; border-radius: 999px;
  background: var(--forest-tint); border: 1px solid #d7ecd5; color: var(--forest);
  font-size: .86rem; font-weight: 600;
}

/* Signed-in state in the header ------------------------------------------ */

.nav__profile { display: flex; align-items: center; gap: 10px; }
.nav__avatar {
  width: 34px; height: 34px; border-radius: 50%; flex: none; display: grid; place-items: center;
  background: var(--forest); color: #fff; font-weight: 700; font-size: .92rem;
}
.nav__logout { font-size: .84rem; color: var(--muted); background: none; border: 0; cursor: pointer; padding: 4px; font: inherit; font-size: .84rem; }
.nav__logout:hover { color: var(--clay); text-decoration: underline; }

/* ==========================================================================
   Funnel screens — apply, processing and offers, per the Stitch designs
   ========================================================================== */

.funnel { background: #fbfbf7; }
.funnel-bar {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 14px 0; border-bottom: 1px solid var(--line-soft);
}
.funnel-bar__brand { display: flex; align-items: center; gap: 13px; }
.funnel-bar__tile {
  width: 46px; height: 46px; flex: none; border-radius: 13px; display: grid; place-items: center;
  background: var(--paper-deep); color: var(--forest);
}
.funnel-bar__tile svg { width: 28px; height: 28px; }
.funnel-bar__brand strong { display: block; font-size: 1.28rem; font-weight: 700; color: var(--forest); letter-spacing: -0.03em; }
.funnel-bar__brand span { font-size: .88rem; color: var(--muted); }
.ssl-pill {
  display: inline-flex; align-items: center; gap: 9px; padding: 10px 18px; border-radius: 999px;
  background: #eaf7e6; border: 1px solid #cfe9c8; color: var(--forest); font-size: .9rem; font-weight: 600;
}

/* Numbered step rail --------------------------------------------------- */

.rail { display: flex; align-items: flex-start; justify-content: center; margin: 26px auto 22px; max-width: 560px; }
.rail__step { display: flex; flex-direction: column; align-items: center; gap: 10px; flex: none; }
.rail__dot {
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: var(--paper-deep); color: var(--muted); font-weight: 700; font-size: 1.05rem;
  transition: background .2s ease, color .2s ease;
}
.rail__step.is-active .rail__dot, .rail__step.is-done .rail__dot { background: var(--forest); color: #fff; }
.rail__label { font-size: .93rem; color: var(--muted); font-weight: 500; }
.rail__step.is-active .rail__label { color: var(--ink); font-weight: 700; }
.rail__line { flex: 1; height: 2px; background: var(--paper-deep); margin-top: 19px; }
.rail__step.is-done + .rail__line { background: var(--forest); }

.funnel-title { text-align: center; margin: 0 0 6px; font-size: clamp(1.5rem, 2.9vw, 1.95rem); color: var(--forest); }
.funnel-sub { text-align: center; color: var(--muted); margin: 0 0 20px; font-size: .95rem; }

/* Amount slider, Stitch styling ---------------------------------------- */

.amount-row { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 16px; }
.amount-row span { font-weight: 600; color: var(--ink-soft); }
.amount-row strong { font-size: 1.9rem; font-weight: 700; color: var(--forest); letter-spacing: -0.03em; }

.form-step input[type="range"] { height: 6px; background: #cfe9c8; }
.form-step input[type="range"]::-webkit-slider-thumb {
  width: 26px; height: 26px; background: #fff; border: 3px solid var(--gold);
  box-shadow: 0 2px 6px rgba(34, 31, 28, .18);
}
.form-step input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; background: #fff; border: 3px solid var(--gold);
  box-shadow: 0 2px 6px rgba(34, 31, 28, .18);
}

.estimate-box {
  display: flex; align-items: flex-start; gap: 14px; margin-top: 18px;
  padding: 16px 20px; border-radius: var(--radius); background: var(--paper-warm); border: 1px solid var(--line-soft);
}
.estimate-box svg { flex: none; color: var(--gold); margin-top: 2px; }
.estimate-box__label { font-size: .92rem; font-weight: 600; color: var(--ink); margin: 0 0 2px; }
.estimate-box__value { font-size: 1.72rem; font-weight: 700; color: var(--forest); letter-spacing: -0.03em; }
.estimate-box__value small { font-size: .95rem; font-weight: 500; color: var(--muted); }

/* Processing ------------------------------------------------------------ */

.match-card { max-width: 520px; margin: 0 auto; padding: 44px 40px; background: var(--paper-warm); border-radius: var(--radius-xl); }
.match-card__mark {
  width: 116px; height: 116px; margin: 0 auto 26px; border-radius: 50%;
  display: grid; place-items: center; background: #e6f2e2; color: var(--forest);
}
.match-card__mark svg { width: 62px; height: 62px; }
.match-card h1 { text-align: center; font-size: 1.85rem; color: var(--forest); margin: 0 0 10px; }
.match-card__sub { text-align: center; color: var(--muted); margin: 0 0 30px; }

.stage {
  position: relative; overflow: hidden; display: flex; align-items: center; gap: 14px;
  padding: 17px 20px; margin-bottom: 14px; border-radius: var(--radius);
  background: #fff; box-shadow: var(--shadow-xs); color: var(--muted);
}
.stage__icon {
  width: 30px; height: 30px; flex: none; border-radius: 50%; display: grid; place-items: center;
  border: 2px solid var(--line); color: transparent;
}
.stage__icon svg { width: 15px; height: 15px; }
.stage strong { display: block; font-size: .98rem; font-weight: 600; color: var(--ink); }
.stage small { display: block; font-size: .85rem; color: var(--muted); }
.stage.is-done { color: var(--ink); }
.stage.is-done .stage__icon { background: var(--forest); border-color: var(--forest); color: #fff; }
.stage.is-active .stage__icon { border-color: var(--forest); border-top-color: transparent; animation: spin .9s linear infinite; }
.stage__bar { position: absolute; left: 0; bottom: 0; height: 3px; width: 0; background: var(--forest); transition: width .5s linear; }
.stage.is-pending { background: transparent; box-shadow: none; }
.stage.is-pending .stage__icon { color: var(--muted); border-style: solid; }

.match-eta { text-align: center; margin: 26px 0 10px; font-size: .92rem; color: var(--ink-soft); }
.match-eta strong { color: var(--forest); }

/* Offer wall ------------------------------------------------------------ */

.offer-grid { grid-template-columns: repeat(4, 1fr); gap: 20px; align-items: stretch; }
@media (max-width: 1100px) { .offer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .offer-grid { grid-template-columns: 1fr; } }

.offer-card { padding: 24px 22px; background: var(--paper-warm); border-color: var(--line-soft); overflow: visible; }
.offer-card--best { background: #f3f5ef; border-color: var(--line); }
.offer-card__pill {
  position: absolute; top: -15px; left: 18px; display: inline-flex; align-items: center; gap: 6px;
  padding: 7px 15px; border-radius: 999px; background: var(--gold); color: #fff;
  font-size: .82rem; font-weight: 700;
}
.offer-card__status {
  align-self: flex-start; padding: 6px 14px; border-radius: 999px;
  background: #d9f4cf; color: #2c5a1e; font-size: .82rem; font-weight: 600;
}
.offer-card__top { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 22px; }
.offer-card__icon {
  width: 122px; height: 56px; flex: none; border-radius: 14px; display: grid; place-items: center;
  padding: 9px; color: var(--forest);
  background: linear-gradient(160deg, #fff, #f7f9f6);
  border: 1px solid var(--line-soft);
  box-shadow: 0 1px 2px rgba(17, 69, 16, .05), inset 0 1px 0 #fff;
  transition: transform .16s ease, box-shadow .2s ease, border-color .2s ease;
}
a.offer-card__icon:hover {
  transform: translateY(-2px) scale(1.02);
  border-color: var(--forest-tint);
  box-shadow: 0 8px 18px rgba(17, 69, 16, .12), inset 0 1px 0 #fff;
}
.offer-card__icon img { width: auto; height: auto; max-width: 96px; max-height: 34px; object-fit: contain; }
.offer-card__icon svg { width: 22px; height: 22px; }
.offer-card__name { font-size: 1.32rem; font-weight: 700; color: var(--forest); margin: 0 0 2px; letter-spacing: -0.02em; }
.offer-card__product { color: var(--muted); font-size: .95rem; margin: 0 0 18px; }
.offer-row { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--line-soft); }
.offer-row span { color: var(--ink-soft); font-size: .95rem; }
.offer-row strong { font-weight: 700; font-size: .98rem; }
.offer-row--rate strong { color: var(--gold-deep); }
.offer-row--total { border-bottom: 0; padding-top: 18px; }
.offer-row--total strong { font-size: 1.5rem; color: var(--forest); letter-spacing: -0.03em; }
.offer-card .btn { margin-top: auto; }
.offer-card__rows { margin-bottom: 20px; }
.btn--muted {
  background: #fff; color: var(--forest); border: 2px solid var(--forest); box-shadow: none;
}
.btn--muted:hover { background: var(--forest); color: #fff; transform: translateY(-1px); }

/* Article and card artwork ---------------------------------------------- */

.article-art { width: 100%; margin: 0 0 34px; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.article-art img { width: 100%; display: block; }
.post-card__art { margin: -30px -30px 20px; border-radius: var(--radius-lg) var(--radius-lg) 0 0; overflow: hidden; }
.post-card__art img { width: 100%; display: block; }

/* Featured offer — the lender that actually took the lead ---------------- */

.offer-hero {
  position: relative; display: grid; grid-template-columns: auto 1fr auto; gap: 28px; align-items: center;
  padding: 30px 32px; margin-bottom: 34px; border-radius: var(--radius-xl);
  background: var(--paper-warm); border: 2px solid var(--forest); box-shadow: var(--shadow);
}
.offer-hero__pill {
  position: absolute; top: -16px; left: 26px; display: inline-flex; align-items: center; gap: 7px;
  padding: 8px 18px; border-radius: 999px; background: var(--gold); color: #fff;
  font-size: .85rem; font-weight: 700; box-shadow: 0 4px 12px rgba(217, 123, 6, .3);
}
.offer-hero__mark {
  width: 156px; height: 82px; flex: none; border-radius: 18px; display: grid; place-items: center;
  padding: 13px; color: var(--forest);
  background: linear-gradient(160deg, #fff, #f6f9f5);
  border: 1px solid var(--line-soft);
  box-shadow: 0 2px 8px rgba(17, 69, 16, .07), inset 0 1px 0 #fff;
  transition: transform .16s ease, box-shadow .2s ease;
}
a.offer-hero__mark:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(17, 69, 16, .14), inset 0 1px 0 #fff; }
.offer-hero__mark img { width: auto; height: auto; max-width: 122px; max-height: 52px; object-fit: contain; }
.offer-hero__mark svg { width: 34px; height: 34px; }
.offer-hero__name { margin: 0 0 4px; font-size: 1.75rem; color: var(--forest); letter-spacing: -0.03em; }
.offer-hero__status {
  display: inline-flex; align-items: center; gap: 7px; padding: 6px 15px; border-radius: 999px;
  background: #d9f4cf; color: #2c5a1e; font-size: .85rem; font-weight: 700; margin-bottom: 12px;
}
.offer-hero__terms { display: flex; flex-wrap: wrap; gap: 12px 34px; margin: 0; }
.offer-hero__terms div span { display: block; font-size: .8rem; color: var(--muted); }
.offer-hero__terms div strong { font-size: 1.15rem; color: var(--ink); }
.offer-hero__action { text-align: center; }
.offer-hero__action .btn { padding: 20px 44px; font-size: 1.1rem; }
.offer-hero__action small { display: block; margin-top: 10px; font-size: .8rem; color: var(--muted); }

@media (max-width: 860px) {
  .offer-hero { grid-template-columns: 1fr; text-align: center; gap: 18px; padding: 34px 22px 26px; }
  .offer-hero__mark { margin: 0 auto; }
  .offer-hero__terms { justify-content: center; }
  .offer-hero__action .btn { width: 100%; }
}

.offers-more { margin: 40px 0 18px; font-size: 1.15rem; }
.offers-more + p { margin: -12px 0 22px; color: var(--muted); font-size: .93rem; }

/* Redirect overlay ------------------------------------------------------- */

.leaving {
  position: fixed; inset: 0; z-index: 200; display: none; place-items: center;
  background: rgba(251, 251, 247, .96); backdrop-filter: blur(3px); text-align: center; padding: 24px;
}
.leaving.is-visible { display: grid; }
.leaving__inner { max-width: 340px; }
.leaving__mark {
  width: 92px; height: 92px; margin: 0 auto 22px; border-radius: 50%;
  display: grid; place-items: center; background: #e6f2e2; color: var(--forest);
  animation: pulse 1.6s ease-in-out infinite;
}
.leaving__mark svg { width: 48px; height: 48px; }
@keyframes pulse { 0%, 100% { transform: scale(1); } 50% { transform: scale(1.08); } }
.leaving h2 { font-size: 1.35rem; color: var(--forest); margin: 0 0 8px; }
.leaving p { color: var(--muted); margin: 0 0 20px; font-size: .95rem; }
.leaving .progress { margin: 0; }
.leaving .progress__bar { width: 15%; animation: fill 6s ease-out forwards; }
@keyframes fill { to { width: 96%; } }

/* Paw motifs — light brand texture, never over text ---------------------- */

.paw-field { position: relative; overflow: hidden; }
.paw-field > * { position: relative; z-index: 1; }
.paw-field::before, .paw-field::after {
  content: ""; position: absolute; z-index: 0; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 64 64' fill='%23114510'%3E%3Cellipse cx='14' cy='24' rx='7.4' ry='9' transform='rotate(-18 14 24)'/%3E%3Cellipse cx='26.5' cy='14.5' rx='7' ry='9.2' transform='rotate(-7 26.5 14.5)'/%3E%3Cellipse cx='40.5' cy='14.5' rx='7' ry='9.2' transform='rotate(7 40.5 14.5)'/%3E%3Cellipse cx='53' cy='24' rx='7.4' ry='9' transform='rotate(18 53 24)'/%3E%3Cpath d='M33.5 34c5.8 0 9.9 3.9 13.3 7.6 2.9 3.2 5 6 5 9.5 0 5-4.3 8.4-10.4 8.4-3.3 0-5.6-.9-7.9-.9s-4.6.9-7.9.9c-6.1 0-10.4-3.4-10.4-8.4 0-3.5 2.1-6.3 5-9.5C23.6 37.9 27.7 34 33.5 34Z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-size: contain; opacity: .05;
}
.paw-field::before { width: 190px; height: 190px; top: -40px; right: -46px; transform: rotate(18deg); }
.paw-field::after { width: 120px; height: 120px; bottom: -30px; left: -28px; transform: rotate(-24deg); }
.cta-band.paw-field::before, .cta-band.paw-field::after { opacity: .1; filter: brightness(0) invert(1); }

/* A paw that pads across the trust bar, once, on entry. */
.paw-trail { display: inline-flex; align-items: center; gap: 10px; }
.paw-trail svg { width: 17px; height: 17px; opacity: 0; animation: pawStep .5s ease-out forwards; }
.paw-trail svg:nth-child(2) { animation-delay: .16s; }
.paw-trail svg:nth-child(3) { animation-delay: .32s; }
@keyframes pawStep { from { opacity: 0; transform: translateY(6px) rotate(-12deg); } to { opacity: .55; transform: none; } }

@media (prefers-reduced-motion: reduce) {
  .paw-trail svg { animation: none; opacity: .55; }
  .leaving__mark, .match-card__mark { animation: none; }
}

/* Reviews ---------------------------------------------------------------- */

.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 940px) { .review-grid { grid-template-columns: 1fr; } }
.review {
  padding: 26px 28px; border-radius: var(--radius-lg); background: var(--paper);
  border: 1px solid var(--line-soft); box-shadow: var(--shadow-xs);
}
.review__stars { color: var(--gold); font-size: .95rem; letter-spacing: 2px; margin-bottom: 12px; }
.review p { font-size: .98rem; color: var(--ink-soft); margin: 0 0 18px; }
.review footer { display: flex; align-items: center; gap: 12px; }
.review__avatar {
  width: 40px; height: 40px; border-radius: 50%; flex: none; display: grid; place-items: center;
  background: var(--forest-tint); color: var(--forest); font-weight: 700;
}
.review footer strong { display: block; font-size: .95rem; }
.review footer span { font-size: .85rem; color: var(--muted); }

/* Search-intent grid ----------------------------------------------------- */

.topic-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
@media (max-width: 1000px) { .topic-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .topic-grid { grid-template-columns: 1fr; } }
.topic {
  display: flex; align-items: center; gap: 13px; padding: 18px 20px;
  border: 1px solid var(--line-soft); border-radius: var(--radius); background: var(--paper);
  color: var(--ink); font-weight: 600; font-size: .96rem;
  transition: border-color .15s ease, transform .14s ease;
}
.topic:hover { border-color: var(--forest); transform: translateY(-2px); text-decoration: none; }
.topic__dot {
  width: 34px; height: 34px; border-radius: 10px; flex: none; display: grid; place-items: center;
  background: var(--gold-tint); color: var(--gold-deep);
}
.topic__dot svg { width: 17px; height: 17px; }
.topic span { display: block; }
.topic small { display: block; font-weight: 400; font-size: .82rem; color: var(--muted); margin-top: 2px; }

/* Promise cards — the mascot framed by what we actually commit to ---------- */

.promises { position: relative; display: grid; grid-template-columns: 1fr auto 1fr; gap: 26px; align-items: center; }
.promises__col { display: grid; gap: 22px; }
.promises__stage { width: 260px; justify-self: center; }
.promises__stage img { width: 100%; }

.promise {
  position: relative; padding: 22px 24px; border-radius: var(--radius-lg);
  background: var(--paper); border: 1px solid var(--line-soft); box-shadow: var(--shadow-sm);
}
.promise__icon {
  width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center;
  background: var(--forest-tint); color: var(--forest); margin-bottom: 12px;
}
.promise__icon svg { width: 19px; height: 19px; }
.promise strong { display: block; font-size: 1.02rem; margin-bottom: 5px; }
.promise p { margin: 0; font-size: .93rem; color: var(--ink-soft); }
.promises__col:first-child .promise { margin-right: 14px; }
.promises__col:last-child .promise { margin-left: 14px; }

@media (max-width: 940px) {
  .promises { grid-template-columns: 1fr; }
  .promises__stage { order: -1; width: 190px; }
  .promises__col:first-child .promise, .promises__col:last-child .promise { margin: 0; }
}

/* One screen per step -----------------------------------------------------
   On a laptop the action was falling below the fold, which costs completions.
   The card uses the width it already has instead of stacking everything. */

@media (min-width: 900px) {
  .form-step[data-step="1"]:not([hidden]) { display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; }
  .form-step[data-step="1"] > .field:nth-of-type(1) { grid-column: 1; grid-row: 1; }
  .form-step[data-step="1"] > .field:nth-of-type(2) { grid-column: 1; grid-row: 2; }
  .form-step[data-step="1"] > .field:nth-of-type(3) { grid-column: 2; grid-row: 1 / span 2; }
  .form-step[data-step="1"] > .form-actions,
  .form-step[data-step="1"] > .estimate-box,
  .form-step[data-step="1"] > .calc__note { grid-column: 1 / -1; }
  .form-step[data-step="1"] .purpose-grid { grid-template-columns: repeat(2, 1fr); }

  .form-step[data-step="3"]:not([hidden]) { display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; }
  .form-step[data-step="3"] > .step-heading,
  .form-step[data-step="3"] > .step-sub,
  .form-step[data-step="3"] > .form-actions,
  .form-step[data-step="3"] > .consent-note,
  .form-step[data-step="3"] > .secure-note,
  .form-step[data-step="3"] > .form-error { grid-column: 1 / -1; }
  .form-step[data-step="3"] > .field:nth-of-type(5) { grid-column: 1 / -1; }

  /* The rail and the heading share a line rather than stacking. */
  .funnel-title { font-size: 1.7rem; }
  .rail { margin: 22px auto 16px; }

  /* Steps two and three carry their own heading inside the card, so the page
     heading would just be repeating itself and pushing the action down. */
  .funnel--later .funnel-title, .funnel--later .funnel-sub { display: none; }
  .funnel--later .rail { margin: 16px auto 14px; }
}

@media (min-width: 900px) {

  /* Nothing on a funnel step needs the full reading measure. */
  .form-shell { max-width: 720px; }
  .form-shell .card { padding: 24px 26px; }
  .form-step .field { margin-bottom: 14px; }
  .consent-note { margin-top: 18px; font-size: .8rem; }
  .secure-note { margin-top: 14px; }
  .form-step .field .hint { margin-top: 4px; font-size: .8rem; line-height: 1.4; }
  .form-step .step-sub { margin-bottom: 12px; }
  .form-step .field-row { gap: 14px; }
  .form-step input:not([type="range"]), .form-step select { min-height: 52px; padding: 13px 16px; }
}

/* Pre-approved buyers and the hold countdown --------------------------- */

.offer-hold {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px;
  margin: 0 0 26px; padding: 14px 20px; border-radius: var(--radius);
  background: var(--gold-tint); border: 1px solid #f3ddb6; color: var(--gold-ink);
  font-size: .92rem; font-weight: 600;
}
.offer-hold__clock { display: inline-flex; align-items: center; gap: 9px; }
.offer-hold__time {
  font-variant-numeric: tabular-nums; font-size: 1.15rem; font-weight: 800;
  background: #fff; padding: 4px 12px; border-radius: 8px; border: 1px solid #f3ddb6;
}
.offer-hold.is-expired { background: var(--paper-deep); border-color: var(--line); color: var(--muted); }
.offer-hold.is-expired .offer-hold__time { border-color: var(--line); }

.offer-card__flag--approved { background: var(--forest); }

.offers-expired {
  padding: 30px 32px; border-radius: var(--radius-xl); background: var(--paper-warm);
  border: 1px solid var(--line); text-align: center; margin-bottom: 30px;
}
.offers-expired h2 { font-size: 1.3rem; margin-bottom: .4em; }
.offers-expired p { color: var(--muted); margin: 0 0 20px; }

.offer-card.is-expired { opacity: .55; }
.offer-card.is-expired .btn { pointer-events: none; }

/* Required credit disclosure ---------------------------------------------
   Placed immediately after the hero and styled to be read, not skipped:
   Google's financial products policy requires the repayment period, the
   maximum APR and a worked total cost to be prominent on the destination
   page, and a grey footnote halfway down does not qualify. */

.disclosure-band {
  background: var(--paper-warm);
  border-top: 3px solid var(--forest);
  border-bottom: 1px solid var(--line);
}
.disclosure-band__inner { padding: 34px 0 30px; }
.disclosure-band h2 {
  font-size: 1.12rem; margin: 0 0 18px; color: var(--forest);
  display: flex; align-items: center; gap: 10px;
}
.disclosure-band h2 svg { flex: none; }

.disclosure-facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 22px; }
@media (max-width: 780px) { .disclosure-facts { grid-template-columns: 1fr; gap: 12px; } }
.disclosure-fact {
  padding: 16px 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
}
.disclosure-fact span { display: block; font-size: .82rem; color: var(--muted); margin-bottom: 4px; }
.disclosure-fact strong { font-size: 1.08rem; color: var(--ink); line-height: 1.3; }

.disclosure-example {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px;
}
.disclosure-example h3 { font-size: .95rem; margin: 0 0 12px; color: var(--ink); }
.disclosure-example table { width: 100%; border-collapse: collapse; font-size: .93rem; }
.disclosure-example th {
  text-align: left; font-weight: 500; color: var(--ink-soft); padding: 6px 0; border: 0;
}
.disclosure-example td { text-align: right; font-weight: 700; padding: 6px 0; border: 0; }
.disclosure-example tr.is-total th, .disclosure-example tr.is-total td {
  border-top: 1px solid var(--line); padding-top: 10px; color: var(--forest);
}
.disclosure-band__note { margin: 16px 0 0; font-size: .86rem; color: var(--ink-soft); line-height: 1.6; }
.disclosure-band__note strong { color: var(--ink); }