/* DS Factoring 5.0.10 — open editorial design system */
@font-face {
  font-family: "Inter Variable";
  src: url("../fonts/inter-latin-wght-normal.woff2") format("woff2-variations");
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  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: "Newsreader Variable";
  src: url("../fonts/newsreader-latin-opsz-normal.woff2") format("woff2-variations");
  font-style: normal;
  font-weight: 200 800;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader Variable";
  src: url("../fonts/newsreader-latin-opsz-italic.woff2") format("woff2-variations");
  font-style: italic;
  font-weight: 200 800;
  font-display: swap;
}
@font-face {
  font-family: "Inter Variable";
  src: url("../fonts/inter-latin-ext-wght-normal.woff2") format("woff2-variations");
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  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;
}
@font-face {
  font-family: "Inter Variable";
  src: url("../fonts/inter-latin-wght-italic.woff2") format("woff2-variations");
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  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: "Inter Variable";
  src: url("../fonts/inter-latin-ext-wght-italic.woff2") format("woff2-variations");
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  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;
}

:root {
  --red: #c8102e;
  --red-dark: #990b23;
  --red-soft: #f7e7ea;
  --ink: #211f20;
  --ink-soft: #4f494b;
  --muted: #686064;
  --warm: #fbf7f2;
  --warm-deep: #f1e8df;
  --white: #fff;
  --line: #d9cfca;
  --success: #176b43;
  --error: #9d1026;
  --shadow: 0 24px 70px rgba(33, 20, 22, 0.12);
  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 30px;
  --shell: 1240px;
  --font-sans: "Inter Variable", Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-serif: "Newsreader Variable", "Iowan Old Style", Baskerville, Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 7rem; }
body {
  margin: 0;
  background: var(--warm);
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}
main { overflow: clip; }
img, svg { max-width: 100%; }
img { height: auto; }
a { color: var(--red-dark); text-decoration-thickness: 1px; text-underline-offset: 0.2em; }
a:hover { color: var(--red); }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
h1, h2, h3, p, ul, ol, dl, blockquote, figure { overflow-wrap: break-word; word-break: normal; }
h1, h2, h3 { margin-top: 0; color: var(--ink); letter-spacing: -0.04em; }
h1, h2 { font-family: var(--font-serif); font-weight: 520; }
h3 { font-family: var(--font-sans); font-weight: 720; }
h1 { font-size: clamp(2.75rem, 6vw, 4.375rem); line-height: 1; }
h2 { margin-bottom: 0.55em; font-size: clamp(2.375rem, 4.5vw, 3.375rem); line-height: 1.05; }
h3 { margin-bottom: 0.45em; font-size: clamp(1.375rem, 2.2vw, 1.625rem); line-height: 1.18; letter-spacing: -0.025em; }
p { margin-top: 0; }
.shell { width: min(100%, calc(var(--shell) + 48px)); margin-inline: auto; padding-inline: 24px; }
.narrow-shell { max-width: 850px; }
.section, .home-section { padding: clamp(5rem, 9vw, 8.5rem) 0; }
.inner-section { position: relative; }
.tinted-section { background: var(--warm-deep); }
.shell > *,
.home-hero-grid > *,
.inner-hero-grid > *,
.content-split > *,
.section-head > *,
.footer-grid > * { min-width: 0; }
.screen-reader-text {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}
.skip-link {
  position: fixed;
  z-index: 10000;
  top: 12px;
  left: 12px;
  padding: 12px 18px;
  background: var(--white);
  color: var(--ink);
  font-weight: 700;
  transform: translateY(-180%);
}
.skip-link:focus { transform: translateY(0); }
:where(a, button, summary, input, textarea, select):focus-visible {
  outline: 3px solid var(--ink);
  outline-offset: 4px;
  box-shadow: 0 0 0 6px var(--white);
}

/* Header */
.site-header {
  position: sticky;
  z-index: 1000;
  top: 0;
  border-bottom: 1px solid rgba(33,31,32,.12);
  background: rgba(251,247,242,.96);
  backdrop-filter: blur(14px);
}
.header-inner { display: flex; min-height: 82px; align-items: center; gap: clamp(14px, 2vw, 28px); }
.brand { display: inline-flex; flex: 0 0 auto; align-items: center; gap: 12px; color: var(--ink); font-size: 18px; font-weight: 700; text-decoration: none; }
.brand:hover { color: var(--red); }
.brand-mark { display: grid; width: 44px; height: 44px; flex: 0 0 44px; place-items: center; border-radius: 50%; background: var(--red); color: var(--white); font-size: 13px; font-weight: 750; letter-spacing: .02em; }
.desktop-nav { min-width: 0; margin-inline: auto; }
.desktop-menu { display: flex; align-items: center; gap: 2px; }
.desktop-menu a { display: inline-flex; min-height: 46px; padding: 10px clamp(8px, .9vw, 14px); align-items: center; color: var(--ink); font-size: 16px; font-weight: 650; text-decoration: none; white-space: nowrap; }
.desktop-menu a:hover { color: var(--red); }
.header-actions { display: flex; flex: 0 0 auto; align-items: center; gap: 10px; }
.header-phone { display: inline-flex; min-height: 50px; padding: 6px 4px; flex-direction: column; align-items: flex-start; justify-content: center; gap: 1px; color: var(--ink); font-size: 13px; line-height: 1.15; text-decoration: none; white-space: nowrap; }
.header-phone span { color: var(--muted); font-weight: 500; }
.header-phone strong { font-size: 15px; font-weight: 700; }
.header-phone:hover, .header-phone:hover span { color: var(--red); }
.header-cta { min-height: 50px; padding-inline: 20px; white-space: nowrap; }
.mobile-menu { display: none; position: relative; }
.mobile-menu summary { display: grid; width: 48px; height: 48px; place-items: center; border-radius: 50%; color: var(--ink); cursor: pointer; list-style: none; }
.mobile-menu summary::-webkit-details-marker { display: none; }
.menu-icon { display: grid; gap: 6px; }
.menu-icon i { display: block; width: 22px; height: 2px; background: currentColor; transition: transform .2s ease; }
.mobile-menu[open] .menu-icon i:first-child { transform: translateY(4px) rotate(45deg); }
.mobile-menu[open] .menu-icon i:last-child { transform: translateY(-4px) rotate(-45deg); }
.mobile-menu nav {
  position: absolute;
  top: calc(100% + 14px);
  right: 0;
  display: grid;
  width: min(340px, calc(100vw - 28px));
  max-height: calc(100vh - 125px);
  padding: 16px;
  overflow-y: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}
.mobile-menu nav a { display: flex; min-height: 48px; padding: 10px 12px; align-items: center; color: var(--ink); font-size: 16px; font-weight: 600; text-decoration: none; }
.mobile-nav-actions { display: grid; margin-top: 8px; gap: 8px; }
.mobile-menu nav .mobile-nav-phone { display: flex; min-height: 58px; flex-direction: column; align-items: flex-start; justify-content: center; gap: 3px; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.mobile-nav-phone span { color: var(--muted); font-size: 14px; font-weight: 500; }
.mobile-menu nav .mobile-nav-cta { justify-content: center; border-radius: var(--radius-sm); background: var(--red); color: var(--white); text-align: center; }

/* Buttons and shared type */
.button, .claim-invoice-button {
  display: inline-flex;
  min-height: 52px;
  padding: 14px 21px;
  align-items: center;
  justify-content: center;
  gap: 14px;
  border: 2px solid transparent;
  border-radius: 6px;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.25;
  text-align: center;
  text-decoration: none;
  transition: background-color .18s ease, color .18s ease, transform .18s ease;
}
.button:hover, .claim-invoice-button:hover { transform: translateY(-2px); }
.button-primary, .claim-invoice-button { background: var(--red); color: var(--white); }
.button-primary:hover, .claim-invoice-button:hover { background: var(--red-dark); color: var(--white); }
.button-secondary { border-color: var(--ink); color: var(--ink); }
.button-secondary:hover { background: var(--ink); color: var(--white); }
.button-light { background: var(--white); color: var(--ink); }
.button-light:hover { background: var(--warm-deep); color: var(--ink); }
.button-large { min-height: 58px; padding-inline: 28px; }
.arrow-link { display: inline-flex; min-height: 48px; align-items: center; gap: 12px; color: var(--red-dark); font-size: 15px; font-weight: 700; }
.intro-copy { max-width: 720px; color: var(--ink-soft); font-size: clamp(1.125rem, 2vw, 1.25rem); line-height: 1.6; }
.large-copy { color: var(--ink); font-size: clamp(1.375rem, 2.5vw, 1.875rem); font-weight: 500; letter-spacing: -.025em; line-height: 1.4; }

/* Homepage hero */
.home-hero { position: relative; padding: clamp(4rem, 8vw, 7rem) 0 clamp(5rem, 9vw, 8rem); background: var(--warm); }
.home-hero-pattern { display: none; }
.home-hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .75fr); align-items: start; gap: clamp(50px, 7vw, 100px); }
.home-hero-copy { padding-top: clamp(2.25rem, 4vw, 4rem); }
.home-hero h1 { max-width: 760px; margin-bottom: 28px; font-size: clamp(3.25rem, 6.8vw, 5.125rem); line-height: .98; }
.home-hero h1 em { display: block; color: var(--red); font-family: var(--font-serif); font-style: italic; font-weight: 480; letter-spacing: -.045em; }
.home-hero-lead { max-width: 720px; margin-bottom: 34px; color: var(--ink-soft); font-size: clamp(1.125rem, 1.8vw, 1.25rem); }
.home-hero-copy > h2 { max-width: 720px; margin-bottom: 34px; color: var(--ink-soft); font-size: clamp(1.125rem, 1.8vw, 1.25rem); font-weight: 400; letter-spacing: 0; line-height: 1.6; }
.home-hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.home-contact-cta { border-color: var(--ink); color: var(--ink); }
.home-contact-cta:hover { background: var(--ink); color: var(--white); }

/* Calculator */
.claim-invoice { position: relative; padding: 18px 0 0 18px; }
.claim-invoice-sheet { position: absolute; inset: 0 18px 18px 0; border-radius: var(--radius-lg); background: var(--red-soft); transform: rotate(-3deg); }
.claim-invoice-card { position: relative; padding: clamp(26px, 4vw, 42px); border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.calculator-label { margin: 0 0 24px; color: var(--red-dark); font-size: 14px; font-weight: 750; letter-spacing: .09em; line-height: 1.35; text-transform: uppercase; }
.claim-invoice-value { display: grid; margin: 0 0 22px; }
.claim-invoice-value label, .home-fee-control label { margin-bottom: 12px; color: var(--ink-soft); font-size: 15px; font-weight: 700; }
.claim-invoice-amount, .home-fee-control output { margin-bottom: 18px; color: var(--ink); font-family: var(--font-serif); font-size: clamp(2.5rem, 5vw, 3.5rem); line-height: 1.1; }
.claim-invoice-slider, .home-fee-control input[type="range"] {
  --range-progress: 25%;
  width: 100%;
  height: 10px;
  margin: 8px 0;
  appearance: none;
  border: 0;
  border-radius: 999px;
  background: linear-gradient(to right, var(--red) 0 var(--range-progress), #ded5d1 var(--range-progress) 100%);
  cursor: pointer;
}
.claim-invoice-slider::-webkit-slider-thumb, .home-fee-control input[type="range"]::-webkit-slider-thumb { width: 28px; height: 28px; appearance: none; border: 4px solid var(--white); border-radius: 50%; background: var(--red); box-shadow: 0 2px 10px rgba(0,0,0,.24); }
.claim-invoice-slider::-moz-range-thumb, .home-fee-control input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border: 4px solid var(--white); border-radius: 50%; background: var(--red); box-shadow: 0 2px 10px rgba(0,0,0,.24); }
.claim-invoice-limits { display: flex; margin-top: 10px; justify-content: space-between; color: var(--muted); font-size: 13px; font-weight: 600; }
.claim-invoice dl { margin: 0 0 20px; }
.claim-invoice dl > div { display: flex; padding: 13px 0; align-items: baseline; justify-content: space-between; gap: 16px; border-top: 1px solid var(--line); }
.claim-invoice dt { color: var(--ink-soft); font-size: 14px; }
.claim-invoice dd { margin: 0; text-align: right; font-size: 15px; font-weight: 700; }
.claim-invoice-button { width: 100%; }
.claim-invoice-button strong { font-weight: 700; }
.form-note, .form-privacy { margin: 16px 0 0; color: var(--muted); font-size: 13px; line-height: 1.6; }

/* Homepage sections */
.home-section-heading { max-width: 820px; margin-bottom: 50px; }
.home-section-heading-center { margin-inline: auto; text-align: center; }
.home-step-grid { display: grid; margin: 0; padding: 0; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(36px, 5vw, 72px); list-style: none; counter-reset: steps; }
.home-step-grid > :is(li, article) { position: relative; display: grid; min-height: 0; padding: 10px 20px 10px 0; grid-template-columns: 44px minmax(0,1fr); align-content: start; gap: 4px 18px; }
.home-step-grid > :is(li, article) > span { grid-row: 1 / span 2; display: block; width: auto; height: auto; padding-top: 3px; color: var(--red-dark); font-family: var(--font-serif); font-size: 18px; font-weight: 600; }
.home-step-grid > :is(li, article) > :not(span) { grid-column: 2; }
.home-step-grid > :is(li, article) p { margin-bottom: 0; color: var(--ink-soft); }
.home-benefits { background: var(--white); }
.home-benefit-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(44px, 6vw, 80px) 56px; }
.home-benefit-grid article { display: grid; min-width: 0; padding: 4px 0; grid-template-columns: 56px minmax(0, 1fr); gap: 6px 20px; }
.home-benefit-grid article > :not(.home-benefit-icon) { grid-column: 2; }
.home-benefit-grid h3, .home-benefit-grid p { min-width: 0; }
.home-benefit-grid p { margin-bottom: 0; color: var(--ink-soft); overflow-wrap: break-word; }
.home-benefit-icon { grid-row: 1 / span 2; display: grid; width: 48px; height: 48px; place-items: center; color: var(--red-dark); }
.home-benefit-icon svg { width: 26px; height: 26px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.benefit-layout { display: grid; grid-template-columns: minmax(0,.82fr) minmax(0,1.18fr); gap: clamp(50px, 8vw, 110px); }
.benefit-intro { align-self: center; }
.home-benefit-list { display: grid; gap: 42px; }
.home-benefit-list article { display: grid; padding: 4px 0; grid-template-columns: 58px minmax(0,1fr); gap: 22px; }
.benefit-icon { display: grid; width: 52px; height: 52px; place-items: center; border-radius: 50%; background: var(--red-soft); color: var(--red-dark); }
.benefit-icon svg { width: 26px; height: 26px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.home-benefit-list p { margin-bottom: 0; color: var(--ink-soft); }
.home-cost-band { background: var(--red); color: var(--white); }
.home-cost-band h2, .home-cost-band p { color: var(--white); }
.home-cost-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 50px; }
.home-cost-copy { max-width: 760px; }
.home-cost-band .button { background: var(--white); color: var(--ink); }
.home-cost-band .button:hover { background: var(--warm-deep); color: var(--ink); }
.home-fit-layout, .fit-grid { display: grid; grid-template-columns: minmax(0,.88fr) minmax(0,1.12fr); gap: clamp(50px, 8vw, 110px); align-items: start; }
.home-fit-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(36px, 5vw, 72px); }
.home-fit-grid article { display: grid; padding: 8px 20px 8px 0; grid-template-columns: minmax(0, 1fr); gap: 16px; }
.home-fit-grid .home-fit-check { display: block; width: auto; height: auto; padding-top: 4px; color: var(--red-dark); font-family: var(--font-serif); font-size: 17px; font-weight: 650; }
.home-fit-grid p { margin-bottom: 0; color: var(--ink-soft); }
.section-link { margin-top: 34px; }
.check-list { display: grid; margin: 0; padding: 0; gap: 30px; list-style: none; }
.check-list li { display: grid; padding: 4px 0; grid-template-columns: 42px minmax(0,1fr); gap: 16px; }
.check-list li > span { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 50%; background: var(--red-soft); color: var(--red-dark); font-weight: 700; }
.check-list strong { font-size: 18px; }
.check-list p { margin: 4px 0 0; color: var(--ink-soft); }
.home-founder { background: var(--warm-deep); }
.home-founder-grid { display: grid; grid-template-columns: minmax(300px,.8fr) minmax(0,1.2fr); gap: clamp(45px, 8vw, 115px); align-items: center; }
.home-founder-photo { margin: 0; aspect-ratio: 3 / 4; overflow: hidden; border-radius: 8px; background: #ded4ce; box-shadow: var(--shadow); }
.home-founder-photo picture { display: block; height: 100%; }
.home-founder-photo img { width: 100%; height: 100%; object-fit: cover; }
.home-founder-copy { max-width: 670px; }
.home-founder blockquote { margin: 0 0 18px; color: var(--ink); font-family: var(--font-serif); font-size: clamp(2rem, 4vw, 3.25rem); line-height: 1.18; }
.home-founder-name { margin-bottom: 28px; color: var(--red-dark); font-size: 14px; font-weight: 700; }
.home-faq-grid { display: grid; grid-template-columns: minmax(0,.78fr) minmax(0,1.22fr); gap: clamp(50px, 8vw, 110px); }
.faq-list { display: grid; gap: 12px; }
.faq-list details { padding: 4px 0; }
.faq-list summary { display: flex; min-height: 58px; padding: 14px 0; align-items: center; justify-content: space-between; gap: 24px; color: var(--ink); cursor: pointer; font-size: 18px; font-weight: 700; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { flex: 0 0 auto; color: var(--red); font-size: 28px; font-weight: 400; }
.faq-list details > p { max-width: 720px; padding: 2px 46px 18px 0; color: var(--ink-soft); }
.home-closing, .closing-cta { padding: clamp(4.5rem, 8vw, 7rem) 0; background: var(--red); color: var(--white); }
.home-closing h2, .home-closing p, .closing-cta h2, .closing-cta p { color: var(--white); }
.home-closing-inner, .closing-inner { display: flex; align-items: center; justify-content: space-between; gap: 50px; }
.home-closing-inner > div, .closing-inner > div { max-width: 760px; }
.closing-actions, .stacked-actions { display: grid; justify-items: start; gap: 14px; }
.arrow-link-light { color: var(--white); }
.arrow-link-light:hover { color: var(--warm-deep); }

/* Inner-page hero and layouts */
.inner-hero { position: relative; padding: clamp(5rem, 9vw, 8rem) 0; overflow: hidden; background: var(--warm-deep); }
.inner-hero-grid { position: relative; display: grid; grid-template-columns: minmax(0,1fr); gap: 28px; align-items: start; }
.inner-hero h1 { max-width: 850px; margin-bottom: 0; font-size: clamp(2.75rem, 6vw, 4.375rem); }
.inner-hero-copy { width: 100%; max-width: 760px; margin: 0; justify-self: start; }
.inner-hero .intro-copy { width: 100%; max-width: none; margin: 0; }
.inner-hero-actions { display: flex; margin-top: 28px; flex-flow: row wrap; align-items: center; gap: 12px; }
.inner-hero-actions .button { width: fit-content; }
.compact-inner-hero { padding-block: 4rem; }
.content-split { display: grid; grid-template-columns: minmax(0,.88fr) minmax(0,1.12fr); gap: clamp(50px, 8vw, 110px); }
.rich-copy > p:not(.large-copy) { color: var(--ink-soft); }
.definition-card { margin-top: 34px; padding: 28px; border-left: 5px solid var(--red); background: var(--white); font-size: 20px; }
.section-head { display: flex; margin-bottom: 45px; align-items: flex-start; justify-content: space-between; gap: 50px; }
.section-head > div { max-width: 780px; }
.section-head > p { max-width: 430px; color: var(--ink-soft); }
.feature-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: clamp(34px, 4vw, 58px); }
.feature-grid article { padding: 8px 14px 8px 0; }
.feature-grid p { margin: 0; color: var(--ink-soft); }
.feature-grid article > span:not(.info-icon), .value-grid article > span:not(.info-icon), .knowledge-grid article > span:not(.info-icon), .factor-list article > span:not(.info-icon), .audience-detail-list article > div:first-child > span, .home-fit-grid .home-fit-check { display: none; }
.value-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(36px, 5vw, 72px); }
.value-grid article { padding: 8px 22px 8px 0; }
.value-grid p { margin-bottom: 0; color: var(--ink-soft); }
.text-band { max-width: 900px; }
.text-band p { color: var(--ink-soft); font-size: 18px; }
.audience-detail-list { display: grid; gap: clamp(70px, 9vw, 120px); }
.audience-detail-list article { display: grid; padding: 0; grid-template-columns: minmax(0,.78fr) minmax(0,1.22fr); gap: 60px; }
.audience-detail-list article:first-child { padding-top: 0; }
.audience-detail-list ul { display: grid; margin: 24px 0; padding: 0; gap: 10px; list-style: none; }
.audience-detail-list li { display: flex; gap: 12px; }
.audience-detail-list li span { color: var(--red-dark); font-weight: 700; }
.timeline { display: grid; gap: clamp(48px, 7vw, 82px); }
.timeline article { display: grid; padding: 0; grid-template-columns: 72px minmax(0,1fr) minmax(260px,.62fr); gap: 30px; }
.timeline article:first-child { padding-top: 0; }
.timeline article > span { display: grid; width: 56px; height: 56px; place-items: center; border-radius: 50%; background: var(--red); color: var(--white); font-size: 14px; font-weight: 700; }
.timeline h2 { font-size: clamp(1.75rem,3vw,2.5rem); }
.timeline aside { color: var(--ink-soft); font-size: 15px; }
.document-grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: 70px; align-items: start; }
.document-grid ul { display: grid; margin: 0; padding: 0; gap: 18px; list-style: none; }
.document-grid li { position: relative; padding: 0 0 0 26px; font-weight: 600; }
.document-grid li::before { position: absolute; left: 0; color: var(--red-dark); content: "✓"; }
.document-note { grid-column: 2; color: var(--ink-soft); }

/* Open editorial components: whitespace replaces boxes and divider lines. */
.editorial-grid { display: grid; gap: clamp(40px, 5vw, 72px) 42px; }
.editorial-grid-three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.editorial-grid-four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.editorial-grid article { min-width: 0; padding: 8px 20px 8px 0; }
.editorial-grid article > span:not(.info-icon) { display: none; }
.editorial-grid p { margin-bottom: 0; color: var(--ink-soft); }
.feature-grid article, .value-grid article, .knowledge-grid article, .editorial-grid article, .home-fit-grid article { display: grid; grid-template-columns: 48px minmax(0,1fr); align-content: start; gap: 5px 18px; }
.feature-grid article > :not(.info-icon), .value-grid article > :not(.info-icon), .knowledge-grid article > :not(.info-icon), .editorial-grid article > :not(.info-icon), .home-fit-grid article > :not(.info-icon) { grid-column: 2; }
.info-icon { grid-row: 1 / span 3; display: grid; width: 44px; height: 44px; padding-top: 2px; place-items: start center; color: var(--red-dark); }
.info-icon svg { width: 28px; height: 28px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.editorial-steps { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(46px, 6vw, 76px) 54px; }
.editorial-steps article { display: grid; min-width: 0; padding: 6px 0; grid-template-columns: 48px minmax(0, 1fr); gap: 18px; }
.editorial-steps article > span { color: var(--red-dark); font-family: var(--font-serif); font-size: 18px; font-weight: 650; }
.editorial-steps p { margin-bottom: 0; color: var(--ink-soft); }
.plain-check-list { display: grid; margin: 30px 0 0; padding: 0; gap: 18px; list-style: none; }
.plain-check-list li { position: relative; padding: 0 0 0 30px; font-weight: 650; }
.plain-check-list li::before { position: absolute; left: 0; color: var(--red-dark); content: "✓"; }
.promise-band { display: grid; grid-template-columns: minmax(0,.88fr) minmax(0,1.12fr); gap: clamp(50px,8vw,110px); }
.promise-band > div:last-child { padding-top: 6px; }

/* Large calculator page */
.dark-inner-section { background: var(--warm-deep); color: var(--ink); }
.home-fee-calculator { display: grid; grid-template-columns: minmax(0,1.1fr) minmax(300px,.7fr); gap: 36px 70px; padding: clamp(30px,5vw,58px); border-radius: var(--radius-lg); background: var(--white); color: var(--ink); }
.home-fee-intro h2 { font-size: clamp(2.25rem,4vw,3.25rem); }
.home-fee-intro p { color: var(--ink-soft); }
.home-fee-control { display: grid; align-self: center; }
.home-fee-result { grid-column: 1 / -1; display: grid; margin: 0; grid-template-columns: repeat(3,minmax(0,1fr)); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.home-fee-result > div { padding: 20px; border-right: 1px solid var(--line); }
.home-fee-result > div:last-child { border-right: 0; }
.home-fee-result dt { color: var(--muted); font-size: 14px; }
.home-fee-result dd { margin: 6px 0 0; font-size: 20px; font-weight: 700; }
.home-fee-result > div:last-child dd { color: var(--red-dark); font-family: var(--font-serif); font-size: 30px; font-weight: 500; }
.home-fee-calculator > .button { justify-self: start; }
.home-fee-calculator > .form-note { margin: 0; align-self: center; }
.rate-summary { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 20px; }
.rate-summary article { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.rate-summary p { margin: 0; color: var(--ink-soft); }
.factor-list { display: grid; gap: 34px; }
.factor-list article { padding: 4px 0; }
.factor-list p { margin-bottom: 0; color: var(--ink-soft); }
.transparency-box { display: grid; padding: clamp(28px,5vw,56px); grid-template-columns: minmax(0,1fr) minmax(260px,.65fr); gap: 55px; border-radius: var(--radius-lg); background: var(--white); }

/* Knowledge, legal and contact */
.knowledge-list { display: grid; }
.knowledge-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(48px, 7vw, 86px) 64px; }
.knowledge-grid article { padding: 8px 22px 8px 0; }
.knowledge-grid article h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); }
.knowledge-grid article p { color: var(--ink-soft); }
.knowledge-note { max-width: 900px; }
.knowledge-list { gap: clamp(60px, 8vw, 100px); }
.knowledge-list article { display: grid; padding: 0; grid-template-columns: minmax(0,.85fr) minmax(0,1.15fr); gap: 60px; }
.knowledge-list article:first-child { padding-top: 0; }
.contact-facts { display: grid; grid-template-columns: minmax(0,.8fr) minmax(0,1.2fr); gap: 70px; }
.contact-facts address { display: grid; align-content: start; gap: 12px; font-style: normal; }
.contact-facts address a { width: fit-content; font-weight: 700; }
.contact-layout { display: grid; grid-template-columns: minmax(280px,.65fr) minmax(0,1.35fr); gap: clamp(45px,8vw,100px); align-items: start; }
.contact-sidebar { position: sticky; top: 106px; display: grid; gap: 12px; }
.contact-sidebar > a { display: flex; width: fit-content; min-height: 44px; align-items: center; font-size: 20px; font-weight: 700; }
.contact-sidebar address { margin: 12px 0; font-style: normal; }
.contact-sidebar > p { color: var(--ink-soft); font-size: 14px; }
.company-details { display: grid; margin: 22px 0 0; grid-template-columns: minmax(110px,.55fr) minmax(0,1fr); font-size: 14px; }
.company-details dt, .company-details dd { margin: 0; padding: 7px 0; border-bottom: 1px solid rgba(104,96,100,.25); }
.company-details dt { color: var(--muted); }
.company-details dd { font-weight: 600; }
.form-panel { min-width: 0; }
.contact-form { padding: clamp(26px,5vw,48px); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 22px; }
.form-grid label { display: grid; min-width: 0; gap: 7px; }
.form-grid label > span { color: var(--ink); font-size: 15px; font-weight: 700; }
.form-grid label > span small { color: var(--muted); font-size: 13px; font-weight: 500; }
.form-wide { grid-column: 1 / -1; }
.contact-form input, .contact-form textarea, .contact-form select { width: 100%; min-height: 50px; padding: 12px 14px; border: 2px solid #b9afab; border-radius: var(--radius-sm); background: var(--white); color: var(--ink); }
.contact-form textarea { min-height: 140px; resize: vertical; }
.contact-form input[aria-invalid="true"], .contact-form textarea[aria-invalid="true"] { border-color: var(--error); }
.field-error { color: var(--error); font-size: 14px; font-weight: 600; }
.form-privacy { margin: 22px 0; }
.honeypot { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0,0,0,0) !important; white-space: nowrap !important; }
.form-confirmation, .form-error-summary { margin-bottom: 24px; padding: 24px; border-left: 5px solid var(--success); border-radius: var(--radius-sm); background: #e7f4ed; }
.form-error-summary { border-color: var(--error); background: #fbe9ec; }
.form-confirmation h2, .form-error-summary h2 { margin-bottom: 8px; font-size: 26px; }
.form-confirmation p, .form-error-summary p { margin-bottom: 0; }
.legal-layout { display: grid; grid-template-columns: 240px minmax(0,1fr); gap: clamp(45px,8vw,100px); }
.legal-layout > aside { position: sticky; top: 106px; align-self: start; display: grid; gap: 12px; padding: 22px; border-top: 4px solid var(--red); background: var(--white); font-size: 14px; }
.legal-layout > div > section { padding: 0 0 42px; margin-bottom: 42px; border-bottom: 1px solid var(--line); }
.legal-layout h2 { font-size: clamp(1.875rem,3.6vw,2.625rem); }
.privacy-config { display: grid; margin: 26px 0 0; grid-template-columns: minmax(170px,.55fr) minmax(0,1fr); }
.privacy-config dt, .privacy-config dd { margin: 0; padding: 14px; border-bottom: 1px solid var(--line); }
.privacy-config dt { font-weight: 700; }
.review-notice { padding: 18px; border-left: 5px solid #a17013; background: #fff4d9; color: var(--ink); }
.legal-layout section.review-notice { padding: 28px; border-bottom: 0; }

/* Footer */
.site-footer { padding: 76px 0 22px; background: var(--red); color: var(--white); }
.footer-grid { display: grid; grid-template-columns: 1.05fr .7fr 1.15fr .75fr; gap: 44px; }
.footer-intro { display: flex; flex-direction: column; align-items: flex-start; gap: 34px; }
.footer-contact { display: grid; gap: 7px; }
.footer-contact h2 { margin-bottom: 6px; }
.site-footer .footer-phone { font-family: var(--font-serif); font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 600; line-height: 1.15; }
.site-footer .brand { color: var(--white); }
.site-footer .brand-mark { background: var(--white); color: var(--red); }
.site-footer h2 { margin-bottom: 16px; color: var(--white); font-size: 17px; letter-spacing: 0; }
.footer-company-name { margin: 0 0 10px; color: var(--white); font-size: 16px; font-weight: 700; }
.site-footer ul { display: grid; gap: 8px; }
.site-footer a { color: var(--white); font-size: 14px; }
.site-footer li a { display: flex; min-height: 36px; align-items: center; }
.site-footer .company-details { margin: 0; grid-template-columns: 130px minmax(0,1fr); color: var(--white); }
.site-footer .company-details dt { color: rgba(255,255,255,.78); white-space: nowrap; }
.site-footer .company-details dt, .site-footer .company-details dd { border-bottom: 0; }
.footer-bottom { display: flex; margin-top: 54px; padding-top: 20px; align-items: center; justify-content: space-between; gap: 25px; border-top: 1px solid rgba(255,255,255,.3); color: rgba(255,255,255,.82); font-size: 13px; }
.footer-bottom > div { display: flex; gap: 20px; }

/* Motion */
.reveal-ready [data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }
.reveal-ready [data-reveal="left"], .reveal-ready [data-reveal="right"] { transform: translateY(24px); }
.reveal-ready [data-reveal].is-visible { opacity: 1; transform: none; }
.reveal-ready [data-delay="1"] { transition-delay: .08s; }
.reveal-ready [data-delay="2"] { transition-delay: .16s; }
.reveal-ready [data-delay="3"] { transition-delay: .24s; }

@media (max-width: 1180px) {
  .desktop-nav { display: none; }
  .header-actions { margin-left: auto; }
  .mobile-menu { display: block; }
  .home-hero-grid { grid-template-columns: minmax(0,1fr) minmax(330px,.8fr); gap: 45px; }
  .feature-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .editorial-grid-four { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .footer-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 820px) {
  .section, .home-section { padding-block: 5rem; }
  .home-hero-grid, .inner-hero-grid, .benefit-layout, .home-fit-layout, .fit-grid, .home-founder-grid, .home-faq-grid, .content-split, .document-grid, .contact-layout, .contact-facts, .legal-layout, .transparency-box, .promise-band { grid-template-columns: 1fr; }
  .home-hero-copy { max-width: 690px; padding-top: 0; }
  .home-hero-invoice { width: min(100%, 560px); margin-inline: auto; }
  .home-step-grid { grid-template-columns: 1fr; }
  .home-step-grid > :is(li, article) { min-height: 0; }
  .home-benefit-grid, .home-fit-grid, .value-grid, .knowledge-grid { grid-template-columns: 1fr; }
  .home-cost-band-inner, .home-closing-inner, .closing-inner, .section-head { align-items: flex-start; flex-direction: column; }
  .home-founder-photo { max-width: 560px; }
  .inner-hero-grid { align-items: start; gap: 30px; }
  .inner-hero-copy { max-width: 680px; margin-top: 0; justify-self: start; }
  .audience-detail-list article, .knowledge-list article { grid-template-columns: 1fr; gap: 20px; }
  .timeline article { grid-template-columns: 62px minmax(0,1fr); }
  .timeline aside { grid-column: 2; }
  .home-fee-calculator { grid-template-columns: 1fr; }
  .home-fee-result { grid-column: 1; }
  .editorial-grid-three, .editorial-grid-four { grid-template-columns: 1fr; }
  .editorial-steps { grid-template-columns: 1fr; }
  .document-note { grid-column: 1; }
  .rate-summary { grid-template-columns: 1fr; }
  .contact-sidebar, .legal-layout > aside { position: static; }
}

@media (max-width: 720px) {
  .header-phone, .header-cta { display: none; }
}

@media (max-width: 600px) {
  .shell { padding-inline: 14px; }
  body { font-size: 16px; }
  .header-inner { min-height: 70px; }
  .brand { font-size: 16px; }
  .brand-mark { width: 40px; height: 40px; flex-basis: 40px; }
  .home-hero { padding-top: 3.5rem; }
  .home-hero h1 { font-size: clamp(3rem,14vw,3.5rem); }
  .home-hero-actions, .home-hero-actions .button { width: 100%; }
  .claim-invoice { padding: 10px 0 0 8px; }
  .claim-invoice-card { padding: 24px 20px; border-radius: var(--radius); }
  .claim-invoice dl > div { align-items: flex-start; flex-direction: column; gap: 3px; }
  .claim-invoice dd { text-align: left; }
  .home-benefit-list article { grid-template-columns: 48px minmax(0,1fr); gap: 16px; }
  .benefit-icon { width: 44px; height: 44px; }
  .feature-grid { grid-template-columns: 1fr; }
  .timeline article { grid-template-columns: 52px minmax(0,1fr); gap: 18px; }
  .timeline article > span { width: 46px; height: 46px; }
  .home-fee-calculator { padding: 24px 18px; }
  .home-fee-result { grid-template-columns: 1fr; }
  .home-fee-result > div { border-right: 0; border-bottom: 1px solid var(--line); }
  .home-fee-result > div:last-child { border-bottom: 0; }
  .form-grid { grid-template-columns: 1fr; }
  .form-wide { grid-column: 1; }
  .contact-form { padding: 24px 18px; }
  .privacy-config, .company-details, .site-footer .company-details { grid-template-columns: 1fr; }
  .privacy-config dt, .company-details dt, .site-footer .company-details dt { padding-bottom: 0; border-bottom: 0; }
  .privacy-config dd, .company-details dd { padding-top: 2px; }
  .footer-grid { grid-template-columns: 1fr; }
  .site-footer li a { min-height: 44px; }
  .footer-bottom { align-items: flex-start; flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal-ready [data-reveal] { opacity: 1; transform: none; }
}

@media (forced-colors: active) {
  .button, .benefit-icon, .home-benefit-icon, .timeline article > span, .brand-mark { border: 2px solid currentColor; }
  .claim-invoice-slider, .home-fee-control input[type="range"] { forced-color-adjust: none; }
}