/* ============================================================
   FOX HILLS CASH — "CLEAR SKY"  (design proposal #3)
   Light, airy, editorial. Blue is primary, orange-red is the spark.
   Mobile-first: base styles target ~360-375px; min-width breakpoints
   progressively enhance for tablet (560px, 768px) and desktop (980px, 1080px).
   ============================================================ */

:root {
  /* --- Brand (exact) --- */
  --brand-blue:      #0060EF;
  --brand-blue-2:    #0041F5;   /* deep gradient end */
  --brand-blue-1:    #0084E9;   /* light gradient start */
  --fox-orange:      #F15A24;
  --fox-red:         #ED1C24;

  /* --- Clear Sky surfaces --- */
  --paper:           #F4F7FF;   /* soft cool off-white */
  --paper-2:         #EAF1FF;   /* a touch deeper for bands */
  --white:           #FFFFFF;
  --ink:             #0A1B3D;    /* deep navy ink */
  --ink-soft:        #34456B;    /* muted navy for body copy */
  --ink-faint:       #57678E;    /* captions / fine print — darkened for WCAG AA (≥4.5:1 on paper/paper-2) */
  --hairline:        rgba(10,27,61,.10);
  --hairline-strong: rgba(10,27,61,.16);

  /* --- Accent gradient (warm) --- */
  --warm-grad: linear-gradient(120deg, var(--fox-orange) 0%, var(--fox-red) 100%);
  --cool-grad: linear-gradient(140deg, var(--brand-blue-1) 0%, var(--brand-blue) 46%, var(--brand-blue-2) 100%);

  /* --- Shadows (soft, blue-tinted) --- */
  --shadow-sm:  0 2px 8px rgba(10,27,61,.06);
  --shadow-md:  0 18px 40px -18px rgba(10,27,61,.22);
  --shadow-lg:  0 40px 90px -30px rgba(8,32,86,.42);
  --shadow-warm:0 16px 34px -12px rgba(237,28,36,.42);

  --radius:    22px;
  --radius-sm: 14px;
  --radius-pill: 999px;

  --maxw: 1240px;
  --gutter: clamp(16px, 5vw, 64px);
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: "Switzer", ui-sans-serif, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  font-size: 16px;
  letter-spacing: -.005em;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

/* fine paper grain overlay across whole page */
body::before {
  content: "";
  position: fixed; inset: 0;
  pointer-events: none;
  z-index: 1;
  opacity: .05;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
}

h1, h2, h3, h4 {
  font-family: "Clash Display", "Switzer", sans-serif;
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -.02em;
  color: var(--ink);
  margin: 0;
}

p { margin: 0 0 1em; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }

.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: var(--gutter);
  position: relative;
  z-index: 2;
}

.eyebrow {
  font-family: "General Sans", sans-serif;
  font-weight: 600;
  font-size: .74rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brand-blue);
  display: inline-flex;
  align-items: center;
  gap: .6em;
}
.eyebrow::before {
  content: "";
  width: 26px; height: 2px;
  background: var(--warm-grad);
  border-radius: 2px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  --b-bg: var(--ink);
  font-family: "General Sans", sans-serif;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: .005em;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .65em;
  padding: 1rem 1.7rem;
  border-radius: var(--radius-pill);
  border: 0;
  cursor: pointer;
  color: #fff;
  background: var(--b-bg);
  position: relative;
  isolation: isolate;
  transition: transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s, filter .25s;
  will-change: transform;
  /* Ensure minimum 44px tap target */
  min-height: 44px;
}
.btn svg { width: 18px; height: 18px; transition: transform .3s cubic-bezier(.2,.8,.2,1); }
.btn:hover { transform: translateY(-2px); }
.btn:hover svg { transform: translateX(4px); }
.btn:active { transform: translateY(0); }
.btn:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 3px; }

.btn--warm { background: var(--warm-grad); box-shadow: var(--shadow-warm); }
/* Context selectors like .info-card a (pages.css) have higher specificity than the bare
   .btn class and can otherwise repaint this label with the ambient link colour instead of
   white. .btn.btn--warm raises specificity enough to win regardless of stylesheet order;
   the link pseudo-classes are covered explicitly since they can re-apply the accent colour. */
.btn.btn--warm,
.btn.btn--warm:link,
.btn.btn--warm:visited,
.btn.btn--warm:hover,
.btn.btn--warm:focus { color: #fff; }
.btn--warm:hover { box-shadow: 0 22px 44px -12px rgba(237,28,36,.55); }
.btn--blue { background: var(--cool-grad); box-shadow: 0 16px 34px -14px rgba(0,65,245,.5); }
.btn--ghost {
  background: transparent; color: var(--ink);
  border: 1.5px solid var(--hairline-strong);
}
.btn--ghost:hover { border-color: var(--brand-blue); color: var(--brand-blue); }
.btn--block { width: 100%; }
.btn--lg { padding: 1.15rem 2rem; font-size: 1.06rem; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(244,247,255,.72);
  backdrop-filter: saturate(160%) blur(14px);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s, background .3s, box-shadow .3s;
}
.site-header.is-stuck {
  border-bottom-color: var(--hairline);
  box-shadow: 0 10px 30px -22px rgba(10,27,61,.5);
}

.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem;
  /* Mobile: shorter nav height */
  height: 64px;
}

.brand { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.brand img { width: 130px; height: auto; }
.brand:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 4px; border-radius: 8px; }

/* Desktop nav links — hidden on mobile, shown at 820px+ */
.nav-links {
  display: none;
  list-style: none; margin: 0; padding: 0;
}

/* Desktop phone/signin — hidden on mobile */
.nav-phone,
.nav-signin { display: none; }

/* Desktop apply button in header — hidden on mobile */
.nav-apply-btn { display: none; }

.nav-actions { display: flex; align-items: center; gap: .75rem; }

.nav-phone {
  align-items: center; gap: .5rem;
  font-family: "General Sans", sans-serif; font-weight: 600;
  font-size: .96rem; color: var(--ink);
  padding: .5rem .4rem;
}
.nav-phone svg { width: 17px; height: 17px; color: var(--brand-blue); }
.nav-phone:hover { color: var(--brand-blue); }

.nav-signin {
  font-family: "General Sans", sans-serif; font-weight: 600;
  font-size: .95rem; color: var(--ink-soft);
}
.nav-signin:hover { color: var(--brand-blue); }

/* Hamburger — shown on mobile, hidden on desktop */
.hamburger {
  display: inline-flex;
  background: none; border: 0; cursor: pointer;
  width: 44px; height: 44px; border-radius: 12px;
  align-items: center; justify-content: center;
  color: var(--ink); border: 1px solid var(--hairline);
  flex-shrink: 0;
}
.hamburger svg { width: 24px; height: 24px; }
.hamburger:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 2px; }

/* Mobile drawer */
.mobile-menu {
  position: fixed; inset: 64px 0 auto 0; z-index: 49;
  background: var(--white);
  border-bottom: 1px solid var(--hairline);
  box-shadow: var(--shadow-md);
  padding: 1rem var(--gutter) 1.6rem;
  transform: translateY(-120%);
  transition: transform .4s cubic-bezier(.2,.8,.2,1);
}
.mobile-menu.open { transform: translateY(0); }
.mobile-menu ul { list-style: none; margin: 0 0 1rem; padding: 0; }
.mobile-menu li a {
  display: flex; align-items: center;
  min-height: 52px;
  padding: .85rem .25rem; font-weight: 500; font-size: 1.1rem;
  border-bottom: 1px solid var(--hairline); color: var(--ink);
  font-family: "General Sans", sans-serif;
}

/* ============================================================
   HERO — mobile base
   ============================================================ */
.hero {
  position: relative;
  padding-top: clamp(28px, 5vw, 78px);
  padding-bottom: clamp(40px, 7vw, 120px);
  overflow: hidden;
}

/* layered rolling-hills horizon (decorative) */
.hills {
  position: absolute; left: 0; right: 0; bottom: 0; top: 0;
  z-index: 0; pointer-events: none;
  overflow: hidden;
}
/* Constrain the SVG so it can't cause horizontal scroll */
.hills svg {
  position: absolute; bottom: -2px;
  left: 50%; transform: translateX(-50%);
  width: 100%; min-width: 0;
}

/* soft blue mesh glow — constrained on mobile */
.mesh {
  position: absolute; z-index: 0; pointer-events: none;
  width: 340px; height: 340px; border-radius: 50%;
  top: -160px; right: -100px;
  background: radial-gradient(circle at 50% 50%,
     rgba(0,132,233,.30), rgba(0,96,239,.12) 42%, transparent 68%);
  filter: blur(8px);
}
.mesh-2 {
  position: absolute; z-index: 0; pointer-events: none;
  width: 260px; height: 260px; border-radius: 50%;
  bottom: -100px; left: -90px;
  background: radial-gradient(circle at 50% 50%,
     rgba(241,90,36,.16), rgba(237,28,36,.06) 46%, transparent 70%);
  filter: blur(6px);
}

/* Hero layout: single column on mobile */
.hero-grid {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: start;
}

.hero-copy { max-width: none; }

.trust-row {
  display: inline-flex; align-items: center; gap: .6rem;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-pill);
  padding: .4rem .4rem .4rem .55rem;
  box-shadow: var(--shadow-sm);
  margin-bottom: 1.2rem;
  flex-wrap: wrap;
}
.trust-row .stars { display: inline-flex; gap: 1px; color: var(--fox-orange); }
.trust-row .stars svg { width: 15px; height: 15px; }
.trust-row .label {
  font-family: "General Sans", sans-serif; font-weight: 600; font-size: .82rem;
  color: var(--ink-soft);
}
.trust-row .pill {
  font-family: "General Sans", sans-serif; font-weight: 600; font-size: .74rem;
  background: var(--paper-2); color: var(--brand-blue);
  border-radius: var(--radius-pill); padding: .28rem .7rem;
}

.hero h1 {
  /* Mobile type scale — keeps text from overflowing narrow screens */
  font-size: clamp(2.5rem, 11vw, 3.6rem);
  font-weight: 600;
  letter-spacing: -.035em;
  margin-bottom: 1rem;
}
.hero h1 .accent {
  font-style: normal;
  background: var(--warm-grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}
.hero h1 .blue {
  background: var(--cool-grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}

.hero-sub {
  font-size: clamp(1rem, 3.5vw, 1.2rem);
  color: var(--ink-soft);
  max-width: 40ch;
  margin-bottom: 1.6rem;
}
.hero-sub b { color: var(--ink); font-weight: 600; }

.hero-ctas { display: flex; flex-wrap: wrap; gap: .75rem; align-items: center; }

.reassure {
  display: flex; align-items: center; gap: .6rem;
  margin-top: 1.4rem;
  font-size: .9rem; color: var(--ink-soft);
  font-weight: 500;
}
.reassure .clock {
  display: grid; place-items: center;
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--paper-2); color: var(--brand-blue); flex: none;
}
.reassure .clock svg { width: 18px; height: 18px; }

/* trust marquee under hero copy */
.mini-stats {
  display: flex; gap: 1.4rem; margin-top: 2rem; flex-wrap: wrap;
}
.mini-stats .divider { display: none; }
.mini-stats .stat .num {
  font-family: "Clash Display", sans-serif; font-weight: 600;
  font-size: 1.7rem; color: var(--ink); line-height: 1;
}
.mini-stats .stat .num span { color: var(--fox-red); }
.mini-stats .stat .cap {
  font-family: "General Sans", sans-serif; font-weight: 500;
  font-size: .8rem; letter-spacing: .04em; text-transform: uppercase;
  color: var(--ink-faint); margin-top: .4rem;
}

/* ============================================================
   APPLICATION CARD — mobile base (stacked below hero copy)
   ============================================================ */
.apply-card {
  position: relative; z-index: 3;
  background: var(--white);
  border-radius: calc(var(--radius) + 6px);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,.7);
  overflow: hidden;
}
.apply-card::before { /* top accent bar */
  content: ""; display: block; height: 6px; background: var(--cool-grad);
}

.apply-head {
  padding: 1.4rem 1.4rem .9rem;
  display: flex; align-items: flex-start; flex-direction: column; gap: .6rem;
  border-bottom: 1px solid var(--hairline);
}
.apply-head h2 { font-size: 1.35rem; letter-spacing: -.02em; }
.apply-head .secure {
  display: inline-flex; align-items: center; gap: .4rem;
  font-family: "General Sans", sans-serif; font-weight: 600; font-size: .76rem;
  color: #10833f;
  background: #e8f7ee; border: 1px solid #bfe9cd;
  padding: .34rem .7rem; border-radius: var(--radius-pill);
  white-space: nowrap;
}
.apply-head .secure svg { width: 13px; height: 13px; }

.apply-body { padding: 1.4rem 1.4rem 1.6rem; }

/* slider */
.amount { margin-bottom: 1.4rem; }
.amount-top { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: .7rem; }
.amount-top label {
  font-family: "General Sans", sans-serif; font-weight: 600; font-size: .95rem; color: var(--ink-soft);
}
.amount-value {
  font-family: "Clash Display", sans-serif; font-weight: 700;
  font-size: 2.3rem; line-height: 1; color: var(--ink);
  display: inline-flex; align-items: baseline;
}
.amount-value .cur { font-size: 1.2rem; color: var(--fox-red); margin-right: .05em; transform: translateY(-.45em); }
.amount-value.bump { animation: bump .28s cubic-bezier(.3,1.4,.5,1); }
@keyframes bump { 0%{transform:scale(1)} 40%{transform:scale(1.09)} 100%{transform:scale(1)} }

.slider-shell { position: relative; padding: .4rem 0 .2rem; }
input[type="range"].slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 10px; border-radius: 99px;
  background: var(--paper-2);
  outline: none; margin: 0;
  cursor: pointer;
}
/* filled track via background gradient set in JS */
input[type="range"].slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  /* 36px touch-friendly thumb */
  width: 36px; height: 36px; border-radius: 50%;
  background: #fff; border: none; cursor: grab;
  box-shadow: 0 0 0 5px var(--brand-blue), 0 6px 16px -4px rgba(0,65,245,.65);
  transition: transform .12s;
}
input[type="range"].slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.08); }
input[type="range"].slider::-moz-range-thumb {
  width: 36px; height: 36px; border-radius: 50%;
  background: #fff; border: none; cursor: grab;
  box-shadow: 0 0 0 5px var(--brand-blue), 0 6px 16px -4px rgba(0,65,245,.65);
}
input[type="range"].slider:focus-visible::-webkit-slider-thumb {
  box-shadow: 0 0 0 5px var(--fox-red), 0 0 0 9px rgba(237,28,36,.25);
}
.slider-ticks {
  display: flex; justify-content: space-between;
  margin-top: .7rem;
  font-family: "General Sans", sans-serif; font-size: .72rem; color: var(--ink-faint);
}
.slider-ticks span:first-child, .slider-ticks span:last-child { color: var(--ink-soft); font-weight: 600; }

/* form fields — single column on mobile */
.field-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: .9rem; margin-bottom: .9rem;
}
.field { display: flex; flex-direction: column; gap: .4rem; min-width: 0; }
.field.full { grid-column: 1/-1; }
/* let grid/flex tracks shrink so side-by-side fields never blow past their card */
.field input, .field select, .field textarea { width: 100%; min-width: 0; }
.field label {
  font-family: "General Sans", sans-serif; font-weight: 600; font-size: .82rem;
  color: var(--ink-soft); letter-spacing: .005em;
}
.field label .req { color: var(--fox-red); }
.field input {
  font-family: "Switzer", sans-serif; font-size: 1rem; color: var(--ink);
  background: var(--paper);
  border: 1.5px solid var(--hairline);
  border-radius: var(--radius-sm);
  /* min 44px tap target height */
  padding: .85rem .95rem;
  min-height: 44px;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.field input::placeholder { color: var(--ink-faint); }
.field input:hover { border-color: var(--hairline-strong); }
.field input:focus {
  outline: none; background: #fff;
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 4px rgba(0,96,239,.14);
}

.apply-note {
  display: flex; align-items: center; gap: .5rem;
  margin-top: 1rem;
  font-size: .82rem; color: var(--ink-faint);
}
.apply-note svg { width: 15px; height: 15px; color: var(--fox-orange); flex: none; }

/* ============================================================
   STEPS — mobile base (single column)
   ============================================================ */
.section { padding-block: clamp(48px, 8vw, 120px); position: relative; }
.section-head { max-width: 640px; margin-bottom: clamp(28px, 4vw, 56px); }
.section-head h2 {
  font-size: clamp(1.9rem, 5.5vw, 3.2rem);
  margin-top: 1rem; letter-spacing: -.03em;
}
.section-head p { color: var(--ink-soft); font-size: 1rem; margin-top: .9rem; }

.steps-band {
  background: linear-gradient(180deg, var(--white), var(--white));
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}

/* Steps: single column on mobile */
.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(16px, 3vw, 34px);
  counter-reset: step;
}

.step {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  padding: 1.6rem 1.4rem 1.6rem;
  transition: transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s, border-color .3s;
  overflow: hidden;
}
/* connector dot — hidden on mobile */
.step::after { display: none; }
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }

.step .num {
  counter-increment: step;
  font-family: "Clash Display", sans-serif; font-weight: 600;
  font-size: .9rem; letter-spacing: .05em;
  color: var(--brand-blue);
}
.step .num::before { content: "0" counter(step); }

.step .icon {
  width: 60px; height: 60px; border-radius: 18px;
  display: grid; place-items: center;
  background: var(--paper-2);
  color: var(--brand-blue);
  margin: .9rem 0 1.1rem;
  transition: background .3s, color .3s, transform .3s;
}
.step:hover .icon { background: var(--cool-grad); color: #fff; transform: scale(1.04) rotate(-3deg); }
.step:nth-child(3):hover .icon { background: var(--warm-grad); }
.step .icon svg { width: 28px; height: 28px; }
.step h3 { font-size: 1.3rem; margin-bottom: .5rem; }
.step p { color: var(--ink-soft); font-size: .96rem; margin: 0; }

/* ============================================================
   WELCOME — mobile base (stacked)
   ============================================================ */
.welcome { position: relative; }
.welcome-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(28px, 5vw, 80px);
  align-items: center;
}

.welcome-art {
  position: relative;
  border-radius: calc(var(--radius) + 8px);
  overflow: hidden;
  background: var(--cool-grad);
  /* Shorter on mobile */
  min-height: 280px;
  box-shadow: var(--shadow-lg);
  display: grid; place-items: end stretch;
  isolation: isolate;
  /* Image shows after copy on mobile (order:2 is set at 980px for desktop flip) */
}
.welcome-art .glow {
  position: absolute; inset: 0; z-index: 0;
  background:
    radial-gradient(60% 50% at 78% 18%, rgba(255,255,255,.32), transparent 60%),
    radial-gradient(40% 40% at 20% 90%, rgba(241,90,36,.45), transparent 70%);
}
.welcome-art svg.art-hills { position: absolute; bottom: 0; left: 0; width: 100%; z-index: 1; }
.welcome-art .badge-float {
  position: relative; z-index: 2; margin: 1.2rem; align-self: start; justify-self: start;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.32);
  backdrop-filter: blur(8px);
  border-radius: var(--radius);
  padding: .9rem 1.1rem; color: #fff; max-width: 210px;
}
.welcome-art .badge-float .big {
  font-family: "Clash Display", sans-serif; font-weight: 700; font-size: 1.7rem; line-height: 1;
}
.welcome-art .badge-float .cap { font-size: .82rem; opacity: .9; margin-top: .3rem; }
.welcome-art .deposit-card {
  position: absolute; z-index: 2; right: 1rem; bottom: 1rem;
  background: #fff; border-radius: 18px; padding: .85rem 1rem;
  box-shadow: var(--shadow-md); width: min(240px, 72%);
}
.deposit-card .dc-row { display: flex; align-items: center; gap: .6rem; }
.deposit-card .dc-ic {
  width: 36px; height: 36px; border-radius: 11px;
  background: #e8f7ee; color: #10833f;
  display: grid; place-items: center; flex: none;
}
.deposit-card .dc-ic svg { width: 18px; height: 18px; }
.deposit-card .dc-t { font-family: "General Sans", sans-serif; font-weight: 600; font-size: .88rem; color: var(--ink); }
.deposit-card .dc-s { font-size: .75rem; color: var(--ink-faint); }
.deposit-card .dc-amt { margin-left: auto; font-family: "Clash Display", sans-serif; font-weight: 600; color: var(--brand-blue); font-size: 1.05rem; }

.welcome-copy h2 { font-size: clamp(1.8rem, 5vw, 3rem); letter-spacing: -.03em; margin-bottom: 1.1rem; }
.welcome-copy p { color: var(--ink-soft); font-size: 1rem; }
.welcome-copy p + p { margin-top: 1rem; }

/* ============================================================
   FINE PRINT band
   ============================================================ */
.fineprint {
  background: var(--paper-2);
  border-top: 1px solid var(--hairline);
}
.fineprint .wrap { padding-block: clamp(28px, 4vw, 52px); }
.fineprint h2 {
  font-family: "General Sans", sans-serif; font-weight: 600;
  font-size: .78rem; letter-spacing: .18em; text-transform: uppercase;
  color: var(--ink-faint); margin-bottom: 1rem;
}
.fineprint p {
  font-size: .8rem; line-height: 1.7; color: var(--ink-faint);
  max-width: none; margin: 0;
}

/* ============================================================
   FOOTER — mobile base (single column)
   ============================================================ */
.site-footer {
  background: var(--ink);
  color: #cbd6ef;
  position: relative;
  z-index: 2;
  overflow: hidden;
}
.footer-hills { position: absolute; top: 0; left: 0; right: 0; z-index: 0; pointer-events: none; opacity: .5; }
.footer-hills svg { width: 100%; }
.site-footer .wrap { padding-block: clamp(44px, 6vw, 80px); position: relative; z-index: 2; }

.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(24px, 4vw, 56px);
  padding-bottom: 2.2rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.footer-brand .plate {
  display: inline-block; background: #fff;
  border-radius: 18px; padding: 12px 16px;
  box-shadow: 0 12px 30px -12px rgba(0,0,0,.5);
}
.footer-brand .plate img { width: 140px; height: auto; }
.footer-brand p { margin-top: 1rem; max-width: 34ch; font-size: .92rem; color: #aebbd9; }
.footer-call {
  display: inline-flex; align-items: center; gap: .6rem; margin-top: 1rem;
  font-family: "General Sans", sans-serif; font-weight: 600; color: #fff; font-size: 1rem;
  min-height: 44px;
}
.footer-call svg { width: 18px; height: 18px; color: var(--brand-blue-1); }
.footer-call:hover { color: var(--brand-blue-1); }

.footer-col h4 {
  font-family: "General Sans", sans-serif; font-weight: 600;
  font-size: .78rem; letter-spacing: .16em; text-transform: uppercase;
  color: #fff; margin-bottom: 1rem;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: .7rem; }
.footer-col a {
  color: #aebbd9; font-size: .97rem;
  transition: color .2s, padding-left .2s;
  /* 44px tap target that survives multi-line link labels */
  display: inline-flex; align-items: center; min-height: 44px;
}
.footer-col a:hover { color: #fff; padding-left: 4px; }
.footer-col a:focus-visible { outline: 2px solid var(--brand-blue-1); outline-offset: 2px; border-radius: 4px; }

.footer-seal { display: flex; flex-direction: column; align-items: flex-start; gap: .8rem; }
.footer-seal .seal-plate {
  background: #fff; border-radius: 20px; padding: 12px;
  box-shadow: 0 16px 34px -14px rgba(0,0,0,.6);
  display: grid; place-items: center;
}
.footer-seal .seal-plate img { width: 100px; height: 100px; }
.footer-seal a:focus-visible { outline: 3px solid var(--brand-blue-1); outline-offset: 3px; border-radius: 22px; }
.footer-seal .seal-cap { font-size: .74rem; color: #8fa0c8; max-width: 200px; }

.footer-disclaimer {
  padding-top: 2rem;
  font-size: .78rem; line-height: 1.75; color: #8fa0c8;
}
.footer-disclaimer .badges {
  display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.2rem;
}
.footer-disclaimer .badges span {
  font-family: "General Sans", sans-serif; font-weight: 500; font-size: .74rem;
  border: 1px solid rgba(255,255,255,.16); color: #bcc8e6;
  border-radius: var(--radius-pill); padding: .34rem .8rem;
  display: inline-flex; align-items: center; gap: .4rem;
}
.footer-disclaimer .badges svg { width: 13px; height: 13px; color: var(--brand-blue-1); }

.footer-bottom {
  display: flex; align-items: flex-start; flex-direction: column;
  gap: .75rem;
  margin-top: 2rem; padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.12);
  font-size: .85rem; color: #8fa0c8;
}
.footer-bottom .mini-links { display: flex; gap: 1.2rem; flex-wrap: wrap; }
.footer-bottom .mini-links a:hover { color: #fff; }

/* ============================================================
   PAGE-LOAD REVEAL (staggered)
   Fail-safe: .reveal only hides content when .js class is on <html>.
   Without JS, everything is visible. JS adds .js before first paint.
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  .js .reveal { opacity: 0; transform: translateY(22px); }
  .js .reveal.in {
    opacity: 1; transform: none;
    transition: opacity .8s cubic-bezier(.2,.8,.2,1), transform .8s cubic-bezier(.2,.8,.2,1);
  }
  [data-d="1"] { transition-delay: .05s; }
  [data-d="2"] { transition-delay: .14s; }
  [data-d="3"] { transition-delay: .23s; }
  [data-d="4"] { transition-delay: .32s; }
  [data-d="5"] { transition-delay: .41s; }
  [data-d="6"] { transition-delay: .50s; }
}

/* ============================================================
   BREAKPOINT 560px — small phone+ / large phone
   ============================================================ */
@media (min-width: 560px) {
  body { font-size: 16px; }

  /* nav height slight bump */
  .nav { height: 68px; }
  .mobile-menu { inset: 68px 0 auto 0; }

  .mini-stats { gap: 1.8rem; }

  /* 2-col form fields */
  .field-grid { grid-template-columns: 1fr 1fr; }

  /* steps: 2-up grid */
  .steps { grid-template-columns: 1fr 1fr; }

  /* footer cols 2-up */
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-seal { grid-column: 1/-1; flex-direction: row; align-items: center; gap: 1rem; }
  .footer-seal .seal-cap { text-align: left; max-width: 200px; }

  /* footer bottom row */
  .footer-bottom { flex-direction: row; align-items: center; justify-content: space-between; }
}

/* ============================================================
   BREAKPOINT 768px — tablet
   ============================================================ */
@media (min-width: 768px) {
  body { font-size: 17px; }

  .nav { height: 76px; }
  .mobile-menu { inset: 76px 0 auto 0; }

  .brand img { width: 145px; }

  /* hero mesh — restore larger size */
  .mesh { width: 500px; height: 500px; top: -240px; right: -160px; }
  .mesh-2 { width: 380px; height: 380px; bottom: -140px; left: -120px; }

  /* hills: allow wider on tablet+ */
  .hills svg { width: 120%; min-width: 900px; }

  /* welcome art taller */
  .welcome-art { min-height: 340px; }
  .welcome-art .badge-float .big { font-size: 2rem; }

  /* mini-stats dividers back */
  .mini-stats { gap: 2rem; }
  .mini-stats .divider { display: block; width: 1px; background: var(--hairline); align-self: stretch; }
  .mini-stats .stat .num { font-size: 1.85rem; }

  /* apply card header row */
  .apply-head { flex-direction: row; align-items: center; }

  /* apply card body padding */
  .apply-body { padding: 1.6rem 1.9rem 1.9rem; }
  .apply-head { padding: 1.7rem 1.9rem 1.1rem; }
}

/* ============================================================
   BREAKPOINT 820px — show desktop nav, hide hamburger
   ============================================================ */
@media (min-width: 820px) {
  /* Show desktop nav elements */
  .nav-links {
    display: flex; align-items: center; gap: .35rem;
  }
  .nav-links a {
    font-family: "General Sans", sans-serif;
    font-weight: 500;
    font-size: .96rem;
    color: var(--ink-soft);
    padding: .55rem .85rem;
    border-radius: var(--radius-pill);
    position: relative;
    transition: color .2s, background .2s;
  }
  .nav-links a::after {
    content: ""; position: absolute; left: .85rem; right: .85rem; bottom: .34rem;
    height: 2px; background: var(--warm-grad);
    transform: scaleX(0); transform-origin: left;
    transition: transform .28s cubic-bezier(.2,.8,.2,1);
    border-radius: 2px;
  }
  .nav-links a:hover { color: var(--ink); }
  .nav-links a:hover::after { transform: scaleX(1); }
  .nav-links a:focus-visible { outline: 3px solid var(--brand-blue); outline-offset: 2px; }

  .nav-phone { display: inline-flex; }
  .nav-signin { display: inline; }
  .nav-apply-btn { display: inline-flex; }

  /* Hide hamburger on desktop */
  .hamburger { display: none; }
  /* Hide mobile drawer entirely on desktop */
  .mobile-menu { display: none !important; }

  /* Steps 3-up */
  .steps { grid-template-columns: repeat(3, 1fr); }

  /* connector dot on desktop */
  .step::after {
    display: block;
    content: ""; position: absolute; right: -7px; top: 50%;
    width: 14px; height: 14px; border-radius: 50%;
    background: var(--white); border: 2px solid var(--hairline);
    transform: translateY(-50%); z-index: 3;
  }
  .steps .step:last-child::after { display: none; }
}

/* ============================================================
   BREAKPOINT 980px — two-column hero + welcome
   ============================================================ */
@media (min-width: 980px) {
  .nav { height: 84px; }
  .mobile-menu { inset: 84px 0 auto 0; }

  .brand img { width: 150px; }

  /* hero: two-column */
  .hero-grid {
    grid-template-columns: 1.08fr .92fr;
    gap: clamp(32px, 4vw, 72px);
  }

  .hero-copy { padding-top: clamp(12px, 2vw, 40px); max-width: 620px; }
  .hero-sub { max-width: 30ch; }

  .hero h1 { font-size: clamp(3.05rem, 7.2vw, 5.6rem); }

  .apply-card { max-width: none; }

  /* mesh — full desktop size */
  .mesh { width: 760px; height: 760px; top: -340px; right: -200px; }
  .mesh-2 { width: 520px; height: 520px; bottom: -200px; left: -180px; }

  /* hills full width */
  .hills svg { width: 140%; min-width: 1200px; }

  /* welcome: two-column, art comes first on left */
  .welcome-grid { grid-template-columns: .85fr 1.15fr; }
  .welcome-art { min-height: 420px; order: -1; }
  .welcome-art .badge-float { margin: 1.6rem; }
  .welcome-art .badge-float .big { font-size: 2rem; }
  .welcome-art .deposit-card { right: 1.4rem; bottom: 1.4rem; }

  .welcome-copy h2 { font-size: clamp(2rem, 3.6vw, 3rem); margin-bottom: 1.2rem; }
  .welcome-copy p { font-size: 1.06rem; }
  .welcome-copy p + p { margin-top: 1.1rem; }

  /* section heading */
  .section-head p { font-size: 1.1rem; }
}

/* ============================================================
   BREAKPOINT 1080px — footer 4-column
   ============================================================ */
@media (min-width: 1080px) {
  .footer-top { grid-template-columns: 1.5fr 1fr 1fr auto; }
  .footer-seal {
    grid-column: auto;
    flex-direction: column; align-items: center; gap: .8rem;
  }
  .footer-seal .seal-cap { text-align: center; max-width: 130px; }
  .footer-brand .plate img { width: 160px; }
}