/* ============================================================
   BLACK BELT LENDER DESIGN SYSTEM
   Palette: Dave's seven tokens (see graphite-thread audit).
   Dark command center is primary. Sunset Orange is the thread
   and the button face; it is a line or a fill, never body text.
   Fiery Red is reserved for one job: the black belt rank bar.
   ============================================================ */
:root{
  --charcoal:#1C1C1C; --graphite:#2F2F2F; --ash:#F5F5F5; --slate:#53575A; --steel:#627C97;
  --sunset:#FF5733; --fiery:#FF3B30;
  --ink:#141416; --sub:#A6ABB0; --line:#3A3D40; --line-strong:#53575A;
  --ok:#3DDC84; --warn:#FFC53D; --risk:#FF6B62;
  --up:#3DDC84; --down:#FF6B62;
  --brand-line:var(--sunset);
  --bg:var(--charcoal); --surface:var(--graphite); --text:var(--ash);
  --font:'Hanken Grotesk',system-ui,-apple-system,"Segoe UI",sans-serif;
  --mono:'Geist Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
  --ease:cubic-bezier(.32,.72,0,1);
  --r:6px;
  --gutter:clamp(20px,5vw,72px);
  --max:1440px;
}
@media (prefers-color-scheme: light){
  :root:not([data-theme="dark"]){ --bg:#F5F5F5; --surface:#FFFFFF; --text:#161819; --sub:#53575A; --line:#E3E5E7; --line-strong:#C9CCD0; --ok:#1F7A46; --up:#1F7A46; --down:#B3261E; --risk:#B3261E; --brand-line:var(--fiery); }
}
:root[data-theme="light"]{ --bg:#F5F5F5; --surface:#FFFFFF; --text:#161819; --sub:#53575A; --line:#E3E5E7; --line-strong:#C9CCD0; --ok:#1F7A46; --up:#1F7A46; --down:#B3261E; --risk:#B3261E; --brand-line:var(--fiery); }

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){ html{scroll-behavior:auto} *{animation-duration:.001ms!important;transition-duration:.001ms!important} }
body{background:var(--bg);color:var(--text);font-family:var(--font);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;min-height:100dvh}
img,svg,canvas,video{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
:focus-visible{outline:2px solid var(--sunset);outline-offset:3px;border-radius:2px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
main{position:relative;overflow-x:clip}

/* ---------- type scale (Elements of Typographic Style, ratio ~1.25 with display jumps) ---------- */
h1,h2,h3,h4{font-weight:700;letter-spacing:-.025em;line-height:1.02;text-wrap:balance}
.display{font-size:clamp(2.4rem,4vw,4rem);font-weight:800;letter-spacing:-.035em;line-height:.96}
h2{font-size:clamp(2rem,4.2vw,3.6rem)}
h3{font-size:clamp(1.35rem,2vw,1.75rem);letter-spacing:-.015em;line-height:1.15}
h4{font-size:1.1rem;letter-spacing:-.01em;line-height:1.3}
.lede{font-size:clamp(1.1rem,1.5vw,1.35rem);color:var(--sub);max-width:58ch;line-height:1.5}
p{max-width:66ch}
.meta{font-family:var(--mono);font-size:.78rem;color:var(--sub);letter-spacing:.02em}

/* ---------- layout ---------- */
.wrap{width:min(100% - 2*var(--gutter),var(--max));margin-inline:auto}
section.chapter{padding-block:clamp(88px,12vw,180px);position:relative}
.chapter-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:clamp(24px,4vw,64px);align-items:end;margin-bottom:clamp(40px,5vw,72px)}
.chapter-head .lede{justify-self:start}
@media(max-width:860px){.chapter-head{grid-template-columns:1fr;align-items:start}}
.rule{height:1px;background:var(--line);border:0}

/* ---------- the thread (one continuous line drawn by scroll) ---------- */
#thread{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;z-index:1;overflow:visible}
#thread path{fill:none;stroke:var(--brand-line);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
#thread .ghost{stroke:var(--line);stroke-width:1;opacity:.6}
.node{position:relative}
.node::before{content:'';position:absolute;left:-9px;top:50%;width:10px;height:10px;border-radius:50%;background:var(--surface);border:1.5px solid var(--line-strong);transform:translate(-50%,-50%);transition:background .5s var(--ease),border-color .5s var(--ease),box-shadow .5s var(--ease)}
.node.lit::before{background:var(--brand-line);border-color:var(--brand-line);box-shadow:0 0 0 5px color-mix(in srgb,var(--brand-line) 20%,transparent)}
@media(max-width:860px){#thread{display:none}.node::before{display:none}}

/* ---------- nav ---------- */
.nav{position:fixed;top:0;left:0;right:0;z-index:40;padding:14px var(--gutter);display:flex;align-items:center;justify-content:space-between;gap:20px;transition:background .5s var(--ease),border-color .5s var(--ease)}
.nav.solid{background:color-mix(in srgb,var(--bg) 82%,transparent);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.brand{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:-.01em;font-size:1.02rem;white-space:nowrap}
section[id],main[id]{scroll-margin-top:84px}
.brand .belt{width:34px;height:10px;background:var(--ink);border-radius:2px;position:relative;overflow:hidden;box-shadow:inset 0 0 0 1px rgba(245,245,245,.15)}
.brand .belt::after{content:'';position:absolute;right:4px;top:0;bottom:0;width:11px;background:var(--fiery)}
.brand .belt i{position:absolute;top:0;bottom:0;width:1px;background:var(--ash);z-index:1}
.brand .belt i:nth-child(1){right:6px}.brand .belt i:nth-child(2){right:9px}.brand .belt i:nth-child(3){right:12px}
.brand small{display:block;font-weight:500;font-size:.68rem;color:var(--sub);letter-spacing:.06em;margin-top:1px}
.nav-links{display:flex;gap:26px;align-items:center;font-size:.95rem;font-weight:500}
.nav-links a{position:relative;padding:6px 0;color:var(--sub);transition:color .3s var(--ease)}
.nav-links a::after{content:'';position:absolute;left:0;right:100%;bottom:0;height:1.5px;background:var(--brand-line);transition:right .45s var(--ease)}
.nav-links a:hover,.nav-links a.active{color:var(--text)}
.nav-links a:hover::after,.nav-links a.active::after{right:0}
.nav-cta{display:flex;align-items:center;gap:10px}
@media(max-width:1020px){.nav-links{display:none}}
@media(max-width:640px){.nav-cta .btn{display:none}.brand small{display:none}.brand{font-size:.98rem}}

/* ---------- buttons: ink on orange for AA, orange never as text ---------- */
.btn{display:inline-flex;align-items:center;gap:10px;padding:13px 20px 13px 22px;border-radius:999px;font-weight:600;font-size:.98rem;line-height:1;transition:transform .5s var(--ease),background .4s var(--ease),color .4s var(--ease),border-color .4s var(--ease);white-space:nowrap}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--sunset);color:var(--ink)}
.btn-primary .cap{width:26px;height:26px;border-radius:50%;background:rgba(20,20,22,.14);display:grid;place-items:center;margin-right:-6px;transition:transform .5s var(--ease)}
.btn-primary:hover .cap{transform:translate(2px,-1px) scale(1.06)}
.btn-ghost{border:1px solid var(--line-strong);color:var(--text)}
.btn-ghost:hover{border-color:var(--text)}
.btn-sm{padding:10px 16px;font-size:.9rem}
.btn svg{width:14px;height:14px}

/* ---------- hero ---------- */
.hero{position:relative;min-height:100dvh;display:grid;align-items:end;padding:120px var(--gutter) 64px;isolation:isolate}
#gl{position:absolute;inset:0;z-index:-2;width:100%;height:100%}
.hero-wash{position:absolute;inset:0;z-index:-1;background:
  linear-gradient(90deg,color-mix(in srgb,var(--bg) 78%,transparent) 0%,color-mix(in srgb,var(--bg) 38%,transparent) 45%,transparent 70%),
  linear-gradient(180deg,color-mix(in srgb,var(--bg) 58%,transparent) 0%,transparent 28%,transparent 72%,var(--bg) 100%)}
.hero-grid{width:min(100%,var(--max));margin-inline:auto;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.9fr);gap:clamp(24px,4vw,64px);align-items:end}
.hero-copy{position:relative;z-index:2}
.hero-copy .display{margin-bottom:22px}
.hero-copy .display > span{display:block}
.hero-copy .lede{max-width:44ch;margin-bottom:34px;color:var(--text);opacity:.88}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero-facts{display:flex;gap:28px;margin-top:40px;color:var(--sub);font-size:.9rem;flex-wrap:wrap;max-width:640px}
.hero-facts b{color:var(--text);font-weight:600;display:block;font-size:1rem}
.hero-portrait{position:relative;justify-self:end;width:min(100%,520px);display:grid;align-items:end}
.hero-portrait img{width:100%;height:auto;object-fit:contain;object-position:bottom;transform-origin:50% 100%;filter:drop-shadow(0 30px 60px rgba(0,0,0,.35)) saturate(1.02);mask-image:linear-gradient(180deg,#000 0%,#000 78%,transparent 100%);-webkit-mask-image:linear-gradient(180deg,#000 0%,#000 78%,transparent 100%)}
.rank{position:absolute;right:calc(100% - 132px);bottom:4px;width:228px;display:grid;gap:12px;background:color-mix(in srgb,var(--bg) 78%,transparent);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border:1px solid var(--line);border-radius:var(--r);padding:12px 16px}
.rank .belt-lg{width:170px;height:19px;background:var(--ink);border-radius:3px;position:relative;box-shadow:inset 0 0 0 1px rgba(245,245,245,.16);overflow:hidden}
.rank .belt-lg::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(90deg,transparent 0 6px,rgba(255,255,255,.035) 6px 7px)}
.rank .belt-lg::after{content:'';position:absolute;right:17px;top:0;bottom:0;width:44px;background:var(--fiery)}
.rank .belt-lg i{position:absolute;top:0;bottom:0;width:3px;background:var(--ash);z-index:1}
.rank .belt-lg i:nth-child(1){right:25.75px}.rank .belt-lg i:nth-child(2){right:37.5px}.rank .belt-lg i:nth-child(3){right:49.25px}
.rank div{font-size:.8rem;line-height:1.45;color:var(--sub)}
.rank div b{margin-bottom:4px}
.rank div b{display:block;color:var(--text);font-weight:600}
.scroll-cue{position:absolute;left:var(--gutter);bottom:26px;display:flex;align-items:center;gap:10px;color:var(--sub);font-size:.8rem;font-family:var(--mono)}
.scroll-cue i{width:1px;height:34px;background:var(--brand-line);display:block;transform-origin:top;animation:cue 2.4s var(--ease) infinite}
@keyframes cue{0%{transform:scaleY(0)}45%{transform:scaleY(1);transform-origin:top}46%{transform-origin:bottom}100%{transform:scaleY(0);transform-origin:bottom}}

@media(min-width:1560px){
  .hero-grid{grid-template-columns:minmax(0,1fr) 684px}
  .hero-portrait{display:flex;align-items:flex-end;justify-content:flex-end;gap:24px;width:684px;max-width:none}
  .hero-portrait img{order:2;flex:0 0 380px;max-width:380px}
  .rank{order:1;position:static;flex:0 0 280px;width:280px;margin:0 0 30px;gap:11px}
}
@media(max-width:1559px) and (min-width:901px){.rank{position:static;width:auto;max-width:440px;margin-top:14px}}
@media(max-width:900px){
  .hero{padding-top:104px;align-items:start}
  .hero-grid{grid-template-columns:1fr}
  .hero-copy{max-width:100%}
  .hero-portrait{justify-self:stretch;width:100%;max-width:460px;margin-inline:auto}
  .rank{position:static;margin:16px 0 0;width:auto;max-width:380px}
  .scroll-cue{display:none}
}

/* ---------- tape (ticker) ---------- */
.tape{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--surface);overflow:hidden;position:relative;z-index:2}
.tape-inner{display:flex;gap:0;width:max-content;animation:tape 60s linear infinite}
.tape:hover .tape-inner{animation-play-state:paused}
@keyframes tape{to{transform:translateX(-50%)}}
.tick{display:flex;align-items:baseline;gap:10px;padding:12px 28px;border-right:1px solid var(--line);font-family:var(--mono);font-size:.82rem;white-space:nowrap}
.tick .k{color:var(--sub)}.tick .v{color:var(--text);font-weight:600}.tick .d{font-weight:500}
.d.up{color:var(--up)}.d.down{color:var(--down)}.d.flat{color:var(--sub)}
@media (prefers-reduced-motion:reduce){.tape-inner{animation:none;flex-wrap:wrap;width:100%}}

/* ---------- market watch ---------- */
.mw-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(330px,.92fr);gap:clamp(20px,2.5vw,36px);align-items:start}
@media(max-width:1000px){.mw-grid{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:clamp(18px,2.2vw,28px);position:relative}
.panel-top{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap;margin-bottom:14px}
.panel-top h3{margin:0}
.seg{display:inline-flex;border:1px solid var(--line-strong);border-radius:999px;padding:3px;gap:2px}
.seg button{padding:7px 14px;border-radius:999px;font-size:.85rem;font-weight:600;color:var(--sub);transition:background .35s var(--ease),color .35s var(--ease)}
.seg button[aria-selected="true"]{background:var(--text);color:var(--bg)}
.quote-row{display:flex;align-items:baseline;gap:18px;flex-wrap:wrap;margin:6px 0 10px}
.quote-row .px{font-family:var(--mono);font-size:clamp(2rem,3.6vw,3rem);font-weight:600;letter-spacing:-.02em;line-height:1}
.quote-row .chg{font-family:var(--mono);font-size:1.05rem;font-weight:500}
.quote-row .ts{font-family:var(--mono);font-size:.78rem;color:var(--sub);margin-left:auto}
.dma{display:flex;gap:14px;flex-wrap:wrap;margin:8px 0 12px}
.dma label{display:inline-flex;align-items:center;gap:7px;font-family:var(--mono);font-size:.78rem;color:var(--sub);cursor:pointer;user-select:none}
.dma input{appearance:none;width:12px;height:12px;border-radius:2px;border:1.5px solid var(--line-strong);position:relative;background:transparent;transition:background .3s var(--ease)}
.dma input:checked{background:var(--c);border-color:var(--c)}
.chart-wrap{position:relative;height:clamp(280px,38vw,440px);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-inline:-4px}
.chart-wrap canvas{width:100%;height:100%}
.crosshair{position:absolute;top:10px;left:10px;pointer-events:none;font-family:var(--mono);font-size:.74rem;color:var(--sub);display:flex;gap:14px;flex-wrap:wrap;background:color-mix(in srgb,var(--surface) 88%,transparent);padding:6px 10px;border-radius:4px;border:1px solid var(--line);opacity:0;transition:opacity .25s}
.crosshair b{color:var(--text);font-weight:500}
.series-note{margin-top:12px;padding:10px 12px;border:1px solid var(--line-strong);border-left:2px solid var(--steel);border-radius:4px;font-size:.8rem;color:var(--sub);max-width:88ch}
.series-note[hidden]{display:none}
.chart-note{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-top:12px;font-size:.82rem;color:var(--sub)}
.chart-note .flag{display:inline-flex;align-items:center;gap:8px}
.chart-note .flag i{width:8px;height:8px;border-radius:50%;background:var(--warn);display:inline-block}
.chart-note .flag.live i{background:var(--ok)}

.qcards{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.qcards{grid-template-columns:1fr}}
.qcard{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:18px;border-top:2px solid var(--steel)}
.qcard.hot{border-top-color:var(--brand-line)}
.qcard .k{font-size:.82rem;color:var(--sub);font-weight:500}
.qcard .v{font-family:var(--mono);font-size:1.7rem;font-weight:600;letter-spacing:-.02em;margin:6px 0 2px;line-height:1.1}
.qcard .d{font-family:var(--mono);font-size:.8rem}
.qcard .s{font-size:.74rem;color:var(--sub);margin-top:8px;font-family:var(--mono)}

.fred{margin-top:12px}
.feed-badge{display:flex;align-items:center;gap:8px;margin:-4px 0 12px;padding:8px 11px;border:1px solid var(--line-strong);border-left:2px solid var(--warn);border-radius:4px;font-family:var(--mono);font-size:.72rem;color:var(--sub)}
.feed-badge i{width:6px;height:6px;border-radius:50%;background:var(--warn);flex:none}
.feed-badge.is-stale{border-left-color:var(--risk)}
.feed-badge.is-stale i{background:var(--risk)}
.feed-badge[hidden]{display:none}
.fred.is-sample td.num{opacity:.62}
.fred table{width:100%;border-collapse:collapse;font-size:.9rem}
.fred th{text-align:left;font-weight:500;color:var(--sub);font-size:.76rem;font-family:var(--mono);padding:8px 0;border-bottom:1px solid var(--line-strong)}
.fred td{padding:11px 0;border-bottom:1px solid var(--line);vertical-align:top}
.fred td:first-child{font-weight:600}
.fred td:first-child small{display:block;font-weight:400;color:var(--sub);font-size:.78rem}
.fred td:first-child a{border-bottom:1px solid var(--line-strong)}
.fred td:first-child a:hover{color:var(--steel);border-color:var(--steel)}
.fred td.num{font-family:var(--mono);text-align:right;white-space:nowrap;padding-left:12px;font-size:.84rem}
.fred td.num.sub{color:var(--sub)}
.fred .yoy{display:block;font-size:.7rem;margin-top:2px}
.fred .yoy.up{color:var(--up)}
.fred .yoy.down{color:var(--down)}
.fred .yoy.flat{color:var(--sub)}
.fred th:nth-child(n+2){padding-left:12px}
.fred th{font-size:.7rem}
.fred tr:last-child td{border-bottom:none}

.notes{display:grid;gap:0;margin-top:8px}
.note{display:grid;grid-template-columns:78px 1fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
.note:last-child{border-bottom:none}
.note time{font-family:var(--mono);font-size:.76rem;color:var(--sub);padding-top:4px}
.note h4{font-size:1rem;margin-bottom:4px}
.note p{font-size:.92rem;color:var(--sub);max-width:60ch}
.note a{color:var(--steel);font-weight:600;font-size:.86rem}

.note-filters{display:flex;gap:8px;flex-wrap:wrap}
.note-filters button{padding:7px 13px;border:1px solid var(--line-strong);border-radius:999px;font-size:.84rem;font-weight:600;color:var(--sub);transition:all .35s var(--ease)}
.note-filters button[aria-pressed="true"]{background:var(--text);color:var(--bg);border-color:var(--text)}
.note[hidden]{display:none}
.note-tags{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:7px}
.note-tags span{font-family:var(--mono);font-size:.64rem;letter-spacing:.07em;text-transform:uppercase;padding:3px 7px;border-radius:3px;font-weight:500}
.note-tags .k-take{background:color-mix(in srgb,var(--brand-line) 16%,transparent);color:var(--text)}
.note-tags .k-data{background:color-mix(in srgb,var(--steel) 22%,transparent);color:var(--text)}
.note-tags .k-wire{background:color-mix(in srgb,var(--sub) 18%,transparent);color:var(--sub)}
.note-tags .s{border:1px solid var(--line-strong);color:var(--sub)}
.note .src{font-size:.78rem;color:var(--sub);font-family:var(--mono);margin-top:6px;display:block}
.notes-empty{padding:18px 0;color:var(--sub);font-size:.92rem}
.notes-foot{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:.78rem;color:var(--sub);line-height:1.55;max-width:90ch}
.decoder{margin-top:clamp(40px,5vw,64px);display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.decoder div{background:var(--bg);padding:26px 24px}
.decoder h4{margin-bottom:10px}
.decoder p{font-size:.95rem;color:var(--sub)}
@media(max-width:860px){.decoder{grid-template-columns:1fr}}

/* ---------- about ---------- */
.about-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(32px,6vw,96px);align-items:start}
@media(max-width:900px){.about-grid{grid-template-columns:1fr}}
.about-grid h2{margin-bottom:24px}
.about-grid .body p{margin-bottom:18px;color:var(--text)}
.about-grid .body p.soft{color:var(--sub)}
.gi{margin:0 0 26px;display:flex;align-items:flex-end;gap:16px}
.gi img{width:172px;max-width:46%;height:auto;display:block;flex:none;
  filter:drop-shadow(0 14px 26px rgba(0,0,0,.38)) drop-shadow(0 1px 0 color-mix(in srgb,var(--text) 22%,transparent))}
.gi figcaption{display:flex;flex-direction:column;align-items:flex-start;gap:9px;padding-bottom:6px}
.gi figcaption .belt-sm{width:92px;height:13px;background:var(--ink);border-radius:2px;position:relative;overflow:hidden;flex:none;box-shadow:inset 0 0 0 1px rgba(245,245,245,.16)}
.gi figcaption .belt-sm::after{content:'';position:absolute;right:10px;top:0;bottom:0;width:26px;background:var(--fiery)}
.gi figcaption .belt-sm i{position:absolute;top:0;bottom:0;width:2px;background:var(--ash);z-index:1}
.gi figcaption .belt-sm i:nth-child(1){right:14.5px}.gi figcaption .belt-sm i:nth-child(2){right:21px}.gi figcaption .belt-sm i:nth-child(3){right:27.5px}
.gi figcaption > span:last-child{font-size:.8rem;color:var(--sub);line-height:1.45}
.gi figcaption span b{display:block;color:var(--text);font-weight:600;font-size:.88rem}
@media(max-width:900px){.gi{max-width:380px}}
.creds{border-top:1px solid var(--line-strong)}
.creds div{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:16px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.creds div span:first-child{color:var(--sub);font-family:var(--mono);font-size:.78rem;padding-top:4px}
.creds div span:last-child{font-weight:500}
.pull{margin-top:32px;padding-left:22px;border-left:2px solid var(--brand-line);font-size:clamp(1.2rem,1.8vw,1.5rem);font-weight:500;letter-spacing:-.01em;line-height:1.35;max-width:30ch}

/* ---------- process ---------- */
.steps{display:grid;gap:0;border-top:1px solid var(--line-strong)}
.step{display:grid;grid-template-columns:96px minmax(0,1fr) minmax(0,1.1fr);gap:clamp(18px,3vw,48px);padding:clamp(28px,3.5vw,44px) 0;border-bottom:1px solid var(--line);align-items:start}
.step .n{font-family:var(--mono);font-size:.8rem;color:var(--sub);padding-top:6px;padding-left:18px}
.step .n b{display:block;font-size:1.6rem;font-weight:500;color:var(--text);letter-spacing:-.02em;line-height:1}
.step h3{margin-bottom:8px}
.step .when{font-size:.86rem;color:var(--steel);font-weight:600}
.step p{color:var(--sub);font-size:1rem}
.step ul{list-style:none;display:grid;gap:8px;font-size:.95rem}
.step ul li{padding-left:18px;position:relative}
.step ul li::before{content:'';position:absolute;left:0;top:.7em;width:8px;height:1.5px;background:var(--brand-line)}
@media(max-width:900px){.step{grid-template-columns:60px 1fr}.step>ul{grid-column:2}.step .n{padding-left:0}}

/* ---------- documents checklist ---------- */
.docs-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(24px,5vw,80px);align-items:start}
@media(max-width:900px){.docs-grid{grid-template-columns:1fr}}
.docs-grid .lede{margin-top:18px}
.checklist{display:none;counter-reset:doc}
.checklist[aria-hidden="false"]{display:block}
.checklist ol{list-style:none;border-top:1px solid var(--line-strong)}
.checklist li{display:grid;grid-template-columns:44px 1fr;gap:16px;padding:20px 0;border-bottom:1px solid var(--line);align-items:start}
.checklist li::before{counter-increment:doc;content:counter(doc,decimal-leading-zero);font-family:var(--mono);font-size:.8rem;color:var(--sub);padding-top:5px}
.checklist li b{display:block;font-size:1.1rem;font-weight:600;letter-spacing:-.01em;margin-bottom:4px}
.checklist li span{color:var(--sub);font-size:.95rem;display:block;max-width:60ch;grid-column:2}
.checklist .after{margin-top:22px;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.checklist .after p{flex-basis:100%;font-size:.86rem;color:var(--sub);margin:0}
.upload{margin-top:26px;padding-top:18px;border-top:1px solid var(--line);max-width:52ch}
.upload h4{font-size:.8rem;font-weight:600;color:var(--sub);margin-bottom:8px;letter-spacing:.01em}
.upload ul{list-style:none;display:grid;gap:6px;font-size:.78rem;line-height:1.5;color:var(--sub)}
.upload li{padding-left:14px;position:relative}
.upload li::before{content:'';position:absolute;left:0;top:.7em;width:6px;height:1px;background:var(--steel)}
.upload li b{color:var(--text);font-weight:600}
.upload[hidden]{display:none}

/* ---------- programs ---------- */
.tabs{display:flex;gap:6px;flex-wrap:wrap;border-bottom:1px solid var(--line-strong);margin-bottom:32px}
.tabs button{padding:14px 18px 16px;font-weight:600;font-size:1rem;color:var(--sub);position:relative;transition:color .3s var(--ease)}
.tabs button::after{content:'';position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--brand-line);transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease)}
.tabs button[aria-selected="true"]{color:var(--text)}
.tabs button[aria-selected="true"]::after{transform:scaleX(1)}
.prog{display:none;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(28px,5vw,80px)}
.prog[aria-hidden="false"]{display:grid}
@media(max-width:900px){.prog{grid-template-columns:1fr}}
.prog h3{font-size:clamp(1.6rem,2.6vw,2.2rem);margin-bottom:14px}
.prog .who{color:var(--sub);font-size:1.05rem;margin-bottom:22px}
.prog .body p{margin-bottom:16px}
.facts{border-top:1px solid var(--line-strong)}
.facts div{display:grid;grid-template-columns:170px 1fr;gap:14px;padding:13px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.facts div span:first-child{color:var(--sub);font-size:.85rem;padding-top:2px}
.docs{margin-top:22px}
.docs h4{margin-bottom:10px;font-size:.95rem}
.docs ul{list-style:none;display:grid;gap:6px;font-size:.92rem;color:var(--sub)}
.docs li{padding-left:16px;position:relative}
.docs li::before{content:'';position:absolute;left:0;top:.75em;width:7px;height:1.5px;background:var(--steel)}
.sub-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}
.sub-tabs button{padding:8px 14px;border:1px solid var(--line-strong);border-radius:999px;font-size:.88rem;font-weight:600;color:var(--sub);transition:all .35s var(--ease)}
.sub-tabs button[aria-selected="true"]{background:var(--text);color:var(--bg);border-color:var(--text)}
.niche{display:none}.niche[aria-hidden="false"]{display:block}

/* ---------- markets ---------- */
.markets{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line-strong);border:1px solid var(--line-strong)}
@media(max-width:900px){.markets{grid-template-columns:1fr}}
.market{background:var(--bg);padding:clamp(28px,3.5vw,48px)}
.market h3{font-size:clamp(1.8rem,3vw,2.6rem);margin-bottom:6px}
.market .st{font-family:var(--mono);color:var(--sub);font-size:.8rem;margin-bottom:22px}
.market p{color:var(--sub);margin-bottom:20px}
.market h4{margin:22px 0 10px;font-size:.95rem;color:var(--text)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips span{padding:7px 12px;border:1px solid var(--line-strong);border-radius:999px;font-size:.86rem;font-weight:500}
.chips span.base{border-color:var(--steel);color:var(--text)}
.snap{margin-top:24px;border-top:1px solid var(--line-strong)}
.snap div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);font-size:.93rem}
.snap div span:last-child{font-family:var(--mono);font-weight:600;text-align:right}
.snap p.meta{margin-top:10px;max-width:100%}
.market .btn{margin-top:26px}

/* ---------- HIP rate board ---------- */
.hip{margin-top:12px;background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);overflow:hidden}
.hip-top{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:clamp(18px,3vw,44px);align-items:end;padding:clamp(22px,2.6vw,32px) clamp(20px,2.4vw,30px) 20px}
@media(max-width:900px){.hip-top{grid-template-columns:1fr;align-items:start}}
.hip-top h4{font-size:clamp(1.3rem,2.1vw,1.8rem);letter-spacing:-.02em}
.hip-top .tag{font-family:var(--mono);font-size:.72rem;color:var(--sub);letter-spacing:.08em;text-transform:uppercase;display:block;margin-bottom:8px}
.hip-top p{font-size:.9rem;color:var(--sub);max-width:58ch;margin:0}
.hip-stamp{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-family:var(--mono);font-size:.76rem;color:var(--sub);padding:0 clamp(20px,2.4vw,30px) 18px}
.hip-stamp b{color:var(--text);font-weight:500}
.hip-stamp i{width:6px;height:6px;border-radius:50%;background:var(--ok);display:inline-block}
.hip-stamp.stale i{background:var(--warn)}
.hip-cols{display:grid;grid-template-columns:2.1fr .8fr 1fr 1fr 1.1fr 26px;gap:14px;padding:10px clamp(20px,2.4vw,30px);border-top:1px solid var(--line-strong);border-bottom:1px solid var(--line-strong);font-family:var(--mono);font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:var(--sub)}
.hip-cols span:nth-child(n+2){text-align:right}
.hip-cols span:last-child{text-align:center}
@media(max-width:820px){.hip-cols{display:none}}
.hip-group{padding:14px clamp(20px,2.4vw,30px) 4px;border-top:1px solid var(--line)}
.hip-group:first-of-type{border-top:0}
.hip-group > b{font-size:.98rem;font-weight:700;letter-spacing:-.01em;display:block}
.hip-group > span{font-size:.82rem;color:var(--sub);display:block;margin-top:3px;max-width:70ch}
.hip-row{border-top:1px solid var(--line)}
.hip-row:first-of-type{border-top:0}
.hip-row summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:2.1fr .8fr 1fr 1fr 1.1fr 26px;gap:14px;align-items:center;padding:13px clamp(20px,2.4vw,30px);transition:background .3s var(--ease)}
.hip-row summary::-webkit-details-marker{display:none}
.hip-row summary:hover{background:color-mix(in srgb,var(--text) 5%,transparent)}
.hip-row .p{font-weight:600;font-size:.94rem}
.hip-row .v{font-family:var(--mono);font-size:.92rem;text-align:right;font-variant-numeric:tabular-nums}
.hip-row .v.rate{font-weight:600;font-size:1rem}
.hip-row .v.dpa{color:var(--steel);font-weight:600}
.hip-row .chev{justify-self:center;width:9px;height:9px;border-right:1.5px solid var(--sub);border-bottom:1.5px solid var(--sub);transform:rotate(45deg) translate(-2px,-2px);transition:transform .35s var(--ease)}
.hip-row[open] .chev{transform:rotate(225deg) translate(-2px,-2px)}
.hip-row ul{list-style:none;display:grid;gap:7px;padding:2px clamp(20px,2.4vw,30px) 18px;font-size:.86rem;color:var(--sub);max-width:78ch}
.hip-row li{padding-left:16px;position:relative}
.hip-row li::before{content:'';position:absolute;left:0;top:.72em;width:7px;height:1.5px;background:var(--steel)}
@media(max-width:820px){
  .hip-row summary{grid-template-columns:1fr auto;gap:6px 14px;padding:14px clamp(20px,2.4vw,30px)}
  .hip-row .p{grid-column:1}
  .hip-row .chev{grid-column:2;grid-row:1}
  .hip-row .v{grid-column:1/-1;text-align:left;font-size:.85rem;color:var(--sub)}
  .hip-row .v::before{content:attr(data-k) ' ';color:var(--sub);font-family:var(--font);font-size:.78rem}
  .hip-row .v.rate,.hip-row .v.dpa{display:inline-block;margin-right:16px;grid-column:auto}
}
.hip-foot{padding:16px clamp(20px,2.4vw,30px) 22px;border-top:1px solid var(--line-strong);font-size:.78rem;color:var(--sub);display:grid;gap:8px}
.hip-foot a{color:var(--steel);font-weight:600}

/* ---------- statewide reach ---------- */
.reach{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line-strong);border:1px solid var(--line-strong);border-top:0}
@media(max-width:900px){.reach{grid-template-columns:1fr}}
.reach-col{background:var(--bg);padding:clamp(24px,3vw,36px)}
.reach-col > h4{font-family:var(--mono);font-size:.76rem;font-weight:500;color:var(--sub);letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.reach-row{padding:14px 0;border-top:1px solid var(--line)}
.reach-row:first-of-type{border-top:0;padding-top:0}
.reach-row b{display:block;font-size:.95rem;font-weight:600;margin-bottom:7px}
.reach-row b small{font-weight:400;color:var(--sub);font-size:.8rem;margin-left:8px}
.reach-row p{font-size:.88rem;color:var(--sub);max-width:52ch;margin:0}

/* ---------- field notes ---------- */
.fieldnotes{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line-strong);border:1px solid var(--line-strong);margin-top:12px}
@media(max-width:900px){.fieldnotes{grid-template-columns:1fr}}
.fn{background:var(--surface);padding:clamp(24px,3vw,36px)}
.fn-head{display:flex;align-items:baseline;gap:12px;margin-bottom:6px}
.fn-head h4{font-size:clamp(1.3rem,2vw,1.7rem);letter-spacing:-.02em}
.fn-head span{font-family:var(--mono);font-size:.72rem;color:var(--sub);letter-spacing:.08em}
.fn > p.intro{font-size:.9rem;color:var(--sub);margin-bottom:18px;max-width:46ch}
.fn dl{border-top:1px solid var(--line)}
.fn dt{font-weight:600;font-size:.95rem;padding-top:15px;letter-spacing:-.005em}
.fn dd{font-size:.88rem;color:var(--sub);padding:5px 0 15px;border-bottom:1px solid var(--line);max-width:52ch;line-height:1.55}
.fn dd:last-of-type{border-bottom:0}
.fn dd b{color:var(--text);font-weight:600}
.verified{margin-top:14px;font-family:var(--mono);font-size:.75rem;color:var(--sub);display:flex;gap:8px;align-items:baseline;flex-wrap:wrap}
.verified i{width:6px;height:6px;border-radius:50%;background:var(--ok);display:inline-block;transform:translateY(-1px)}

/* ---------- local market lookup ---------- */
.local{margin-top:12px;background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:clamp(18px,2.2vw,28px)}
.local-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:20px;align-items:end;margin-bottom:20px}
.local-head p{color:var(--sub);font-size:.95rem;max-width:60ch}
@media(max-width:860px){.local-head{grid-template-columns:1fr}}
.local-pick{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:22px}
@media(max-width:640px){.local-pick{grid-template-columns:1fr}}
.local-pick label{display:grid;gap:6px;font-size:.84rem;color:var(--sub);font-weight:500}
.local-pick select{background:var(--bg);border:1px solid var(--line-strong);border-radius:var(--r);color:var(--text);padding:13px 14px;font:inherit;font-size:1rem}
.local-pick select:focus{border-color:var(--steel);outline:none}
.local-panel{border-top:1px solid var(--line-strong);padding-top:20px}
.local-title{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:baseline;margin-bottom:6px}
.local-title h4{font-size:clamp(1.3rem,2vw,1.7rem);letter-spacing:-.02em}
.local-title .src{font-family:var(--mono);font-size:.76rem;color:var(--sub)}
.local-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:22px;margin-top:16px}
@media(max-width:860px){.local-grid{grid-template-columns:1fr}}
.metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
@media(max-width:520px){.metrics{grid-template-columns:repeat(2,minmax(0,1fr))}}
.metric{background:var(--surface);padding:14px 14px 12px}
.metric .k{font-size:.76rem;color:var(--sub);font-weight:500}
.metric .v{font-family:var(--mono);font-size:1.25rem;font-weight:600;letter-spacing:-.02em;margin-top:4px;line-height:1.1}
.metric .d{font-family:var(--mono);font-size:.74rem;margin-top:3px}
.spark-wrap{border:1px solid var(--line);padding:14px;display:grid;gap:8px;align-content:start}
.spark-wrap .k{font-size:.8rem;color:var(--sub);font-weight:500;display:flex;justify-content:space-between}
.spark-wrap canvas{width:100%;height:150px}
.local-empty{padding:18px 0 6px;color:var(--sub);font-size:.95rem;max-width:64ch}
.local-empty b{color:var(--text)}
.local-foot{margin-top:14px;font-size:.78rem;color:var(--sub);font-family:var(--mono)}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);gap:clamp(24px,5vw,80px)}
@media(max-width:900px){.faq{grid-template-columns:1fr}}
.faq-list{border-top:1px solid var(--line-strong)}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;font-weight:600;font-size:1.08rem;position:relative;letter-spacing:-.01em}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::before,.faq-list summary::after{content:'';position:absolute;right:6px;top:50%;width:14px;height:1.5px;background:var(--text);transition:transform .45s var(--ease)}
.faq-list summary::after{transform:rotate(90deg)}
.faq-list details[open] summary::after{transform:rotate(0)}
.faq-list details p{padding:0 0 22px;color:var(--sub);max-width:64ch}

/* ---------- contact ---------- */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,6vw,96px);align-items:start}
@media(max-width:900px){.contact{grid-template-columns:1fr}}
.contact .big{font-size:clamp(2.4rem,5.4vw,4.6rem);font-weight:800;letter-spacing:-.035em;line-height:.98;margin-bottom:28px}
.lines{border-top:1px solid var(--line-strong)}
.lines a,.lines div{display:grid;grid-template-columns:110px 1fr;gap:14px;padding:16px 0;border-bottom:1px solid var(--line);align-items:baseline}
.lines span:first-child{font-family:var(--mono);font-size:.78rem;color:var(--sub)}
.lines span:last-child{font-size:1.15rem;font-weight:600;letter-spacing:-.01em}
.lines a:hover span:last-child{color:var(--steel)}
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.form .row{grid-template-columns:1fr}}
.field{display:grid;gap:6px}
.field label{font-size:.84rem;color:var(--sub);font-weight:500}
.field input,.field select,.field textarea{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);color:var(--text);padding:13px 14px;font:inherit;font-size:.98rem;transition:border-color .3s var(--ease)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--steel);outline:none}
.field textarea{min-height:110px;resize:vertical}
.form .fine{font-size:.78rem;color:var(--sub)}
.apply-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center;padding-bottom:22px;margin-bottom:22px;border-bottom:1px solid var(--line-strong)}
.apply-row .fine{font-size:.82rem;color:var(--sub);flex-basis:100%;margin:0}
.form-status{font-size:.9rem;color:var(--ok);min-height:1.4em}

/* ---------- footer ---------- */
footer{border-top:1px solid var(--line-strong);padding:56px 0 40px;font-size:.86rem;color:var(--sub)}
.foot-grid{display:grid;grid-template-columns:1.9fr 1fr 1fr;gap:40px;margin-bottom:40px}
.foot-brand{display:flex;align-items:flex-end;gap:clamp(16px,2.5vw,32px)}
.foot-brand > div{flex:1 1 auto;min-width:0}
.foot-brand img{width:clamp(120px,14vw,182px);height:auto;flex:none;align-self:flex-end;margin-bottom:-6px;
  filter:drop-shadow(0 16px 28px rgba(0,0,0,.4)) drop-shadow(0 1px 0 color-mix(in srgb,var(--text) 18%,transparent))}
@media(max-width:860px){.foot-brand img{width:132px;margin-bottom:-4px}}
@media(max-width:420px){.foot-brand img{display:none}}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr}}
.foot-grid h4{color:var(--text);font-size:.95rem;margin-bottom:12px}
.foot-grid ul{list-style:none;display:grid;gap:8px}
.foot-grid a:hover{color:var(--text)}
.disclose{border-top:1px solid var(--line);padding-top:24px;display:grid;gap:12px;max-width:100%}
.disclose p{max-width:100%;font-size:.8rem;line-height:1.55}
.eho{display:flex;align-items:center;gap:12px}
.eho svg{width:34px;height:34px;flex:none}
.theme-toggle{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line-strong);border-radius:999px;padding:6px 12px;font-size:.8rem;color:var(--sub)}
.theme-toggle:hover{color:var(--text)}

/* ---------- mobile menu ---------- */
.burger{display:none;width:42px;height:42px;border:1px solid var(--line-strong);border-radius:999px;position:relative}
.burger i{position:absolute;left:12px;right:12px;height:1.5px;background:var(--text);top:50%;transition:transform .45s var(--ease)}
.burger i:first-child{transform:translateY(-4px)}.burger i:last-child{transform:translateY(4px)}
.burger[aria-expanded="true"] i:first-child{transform:rotate(45deg)}.burger[aria-expanded="true"] i:last-child{transform:rotate(-45deg)}
@media(max-width:1020px){.burger{display:block}}
.sheet{position:fixed;inset:0;z-index:35;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);display:grid;align-content:center;padding:var(--gutter);opacity:0;pointer-events:none;transition:opacity .5s var(--ease)}
.sheet.open{opacity:1;pointer-events:auto}
.sheet a{font-size:clamp(2rem,8vw,3rem);font-weight:700;letter-spacing:-.03em;padding:10px 0;border-bottom:1px solid var(--line);transform:translateY(16px);opacity:0;transition:transform .6s var(--ease),opacity .6s var(--ease)}
.sheet.open a{transform:none;opacity:1}
.sheet a:nth-child(1){transition-delay:.05s}.sheet a:nth-child(2){transition-delay:.1s}.sheet a:nth-child(3){transition-delay:.15s}.sheet a:nth-child(4){transition-delay:.2s}.sheet a:nth-child(5){transition-delay:.25s}.sheet a:nth-child(6){transition-delay:.3s}.sheet a:nth-child(7){transition-delay:.35s}.sheet a:nth-child(8){transition-delay:.4s}.sheet a:nth-child(9){transition-delay:.45s}.sheet a:nth-child(10){transition-delay:.5s}

/* ---------- loader ---------- */
#loader{position:fixed;inset:0;z-index:60;background:var(--charcoal);color:var(--ash);display:grid;place-items:center;overflow:hidden}
#loader .ld{width:min(560px,80vw);display:grid;gap:18px}
#loader .ld-word{font-weight:800;letter-spacing:-.035em;font-size:clamp(1.6rem,4vw,2.6rem);line-height:1;overflow:hidden}
#loader .ld-word span{display:block;transform:translateY(110%)}
#loader .ld-belt{height:14px;background:#0d0d0d;border-radius:3px;position:relative;overflow:hidden;box-shadow:inset 0 0 0 1px rgba(245,245,245,.12)}
#loader .ld-belt i{position:absolute;inset:0;background:var(--ash);transform-origin:left;transform:scaleX(0)}
#loader .ld-belt b{position:absolute;right:14px;top:0;bottom:0;width:0;background:var(--fiery);overflow:hidden}
#loader .ld-belt b em{position:absolute;top:0;bottom:0;width:2px;background:var(--ash);opacity:0}
#loader .ld-belt b em:nth-of-type(1){right:5.75px}#loader .ld-belt b em:nth-of-type(2){right:13.5px}#loader .ld-belt b em:nth-of-type(3){right:21.25px}
#loader .ld-row{display:flex;justify-content:space-between;font-family:var(--mono);font-size:.78rem;color:var(--sub)}
#loader .ld-num{color:var(--ash);font-weight:500;font-size:1rem}
body.loading{overflow:hidden}
.no-js #loader{display:none}

/* ---------- cursor ---------- */
#cursor{position:fixed;left:0;top:0;width:24px;height:24px;border:1px solid var(--ash);border-radius:50%;pointer-events:none;z-index:70;transform:translate(-50%,-50%);mix-blend-mode:difference;transition:width .35s var(--ease),height .35s var(--ease),background .35s var(--ease),opacity .3s;opacity:0}
#cursor.on{opacity:1}
#cursor.grow{width:64px;height:64px;background:rgba(245,245,245,.12)}
#cursor.hide{opacity:0}
@media (hover:none),(pointer:coarse){#cursor{display:none}}

/* ---------- word masks ---------- */
.w{display:inline-block;overflow:hidden;vertical-align:top;padding-bottom:.08em;margin-bottom:-.08em}
.w>span{display:inline-block;transform:translateY(112%);will-change:transform}
.masked .w>span{transform:none}

/* ---------- process: pinned title, scrolling steps ---------- */
.process-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.35fr);gap:clamp(24px,5vw,96px);align-items:start}
.process-grid .sticky{position:sticky;top:120px}
.process-grid .sticky .lede{margin-top:22px}
.process-grid .steps{border-top:0}
@media(max-width:900px){.process-grid{grid-template-columns:1fr}.process-grid .sticky{position:static}}

/* ---------- markets: giant outlined names ---------- */
.market{overflow:hidden;position:relative}
.market .giant{position:absolute;right:-3%;bottom:-3%;font-size:clamp(4rem,10vw,9rem);font-weight:800;letter-spacing:-.05em;line-height:.8;color:transparent;-webkit-text-stroke:1px var(--line-strong);opacity:.3;pointer-events:none;white-space:nowrap;user-select:none}
.market>*:not(.giant){position:relative;z-index:1}

/* ---------- hero entrance (one orchestrated moment) ---------- */
.reveal{opacity:0;transform:translateY(22px)}
.no-js .reveal{opacity:1;transform:none}

/* ============================================================
   ADDITIONS FOR THE MULTIPAGE BUILD
   ============================================================ */
/* skip link */
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--sunset);color:var(--ink);padding:10px 16px;border-radius:999px;font-weight:600;transition:top .2s}
.skip:focus{top:12px}

/* nav: dropdown + language switch */
.nav-dd{position:relative}
.nav-dd-btn{display:inline-flex;align-items:center;gap:6px;color:var(--sub);font-weight:500;font-size:.95rem;padding:6px 0;transition:color .3s var(--ease)}
.nav-dd-btn:hover,.nav-dd-btn[aria-expanded="true"]{color:var(--text)}
.nav-dd-menu{position:absolute;left:-14px;top:calc(100% + 12px);min-width:250px;background:var(--surface);border:1px solid var(--line-strong);border-radius:8px;padding:8px;display:none;flex-direction:column;box-shadow:0 20px 50px rgba(0,0,0,.35);z-index:50}
.nav-dd-menu.open{display:flex}
.nav-dd-menu a{padding:9px 12px;border-radius:5px;color:var(--text);font-size:.92rem}
.nav-dd-menu a:hover,.nav-dd-menu a:focus-visible{background:color-mix(in srgb,var(--text) 6%,transparent)}
.nav-dd-menu a::after{display:none}
.nav-dd-sub{display:flex;flex-wrap:wrap;gap:2px;padding:6px 6px 4px;border-top:1px solid var(--line);margin-top:4px}
.nav-dd-sub a{font-size:.8rem;color:var(--sub);padding:5px 8px}
.lang-switch{display:inline-flex;align-items:center;gap:8px;font-size:.88rem;color:var(--sub);margin-right:6px}
.lang-switch a{color:var(--sub);padding:4px 2px}
.lang-switch a[aria-current="true"]{color:var(--text);font-weight:600}
.lang-switch a:hover{color:var(--text)}
@media(max-width:1120px){.lang-switch{display:none}}
.sheet{overflow-y:auto;padding-top:calc(var(--gutter) + env(safe-area-inset-top,0px));padding-bottom:calc(var(--gutter) + env(safe-area-inset-bottom,0px))}
.sheet a:nth-child(n+7){transition-delay:.35s}

/* spanish welcome banner: non-blocking, dismissible */
.es-banner{position:relative;z-index:30;display:flex;align-items:center;gap:14px;padding:10px var(--gutter);margin-top:66px;background:var(--surface);border-bottom:1px solid var(--line-strong)}
.es-banner img{width:40px;height:40px;border-radius:50%;object-fit:cover;object-position:top;flex:none;background:var(--charcoal)}
.es-banner p{margin:0;font-size:.9rem;color:var(--sub);flex:1 1 auto;min-width:0}
.es-banner p b{color:var(--text);font-weight:600}
.es-banner .btn{white-space:nowrap}
.es-banner-x{width:34px;height:34px;border-radius:50%;border:1px solid var(--line-strong);font-size:1.2rem;line-height:1;color:var(--sub);flex:none}
.es-banner-x:hover{color:var(--text)}
.es-banner[hidden]{display:none}
body.has-banner .hero{padding-top:90px}
@media(max-width:700px){.es-banner{flex-wrap:wrap}.es-banner p{flex-basis:calc(100% - 100px)}.es-banner .btn{flex:1 1 auto;justify-content:center}}

/* hero eyebrow + trust strip */
.eyebrow{font-family:var(--mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--sub);margin-bottom:18px}
.eyebrow b{color:var(--text);font-weight:500}
.hero-copy .display .sub{display:block;font-size:.5em;font-weight:600;letter-spacing:-.02em;color:var(--sub);margin-bottom:.15em}
.hero-text-actions{display:flex;gap:22px;flex-wrap:wrap;margin-top:16px;font-size:.92rem}
.hero-text-actions a{color:var(--steel);font-weight:600;border-bottom:1px solid transparent;transition:border-color .3s var(--ease)}
.hero-text-actions a:hover{border-color:var(--steel)}

/* market pulse */
.pulse{padding:clamp(40px,5vw,64px) 0;border-bottom:1px solid var(--line-strong)}
.pulse-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
@media(max-width:900px){.pulse-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:480px){.pulse-grid{grid-template-columns:1fr}}
.pulse-take{margin-top:18px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:16px;align-items:center;padding:16px 18px;border:1px solid var(--line-strong);border-radius:var(--r);background:var(--surface)}
.pulse-take .tag{font-family:var(--mono);font-size:.66rem;letter-spacing:.08em;text-transform:uppercase;padding:4px 8px;border-radius:3px;background:color-mix(in srgb,var(--brand-line) 16%,transparent);white-space:nowrap}
.pulse-take p{margin:0;font-size:.95rem;max-width:100%}
.pulse-take a{color:var(--steel);font-weight:600;white-space:nowrap}
@media(max-width:700px){.pulse-take{grid-template-columns:1fr}}
.qcard .st{font-family:var(--mono);font-size:.64rem;letter-spacing:.08em;text-transform:uppercase;color:var(--sub);display:inline-block;margin-top:8px;padding:3px 7px;border:1px solid var(--line-strong);border-radius:3px}
.qcard .st.live{border-color:var(--ok);color:var(--ok)}
.qcard .st.sample{border-color:var(--warn);color:var(--warn)}

/* borrower pathways + program previews + local cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.card{display:block;background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:22px 22px 20px;transition:border-color .35s var(--ease),transform .5s var(--ease)}
.card:hover{border-color:var(--text);transform:translateY(-2px)}
.card h3{font-size:1.15rem;margin:10px 0 8px}
.card p{font-size:.92rem;color:var(--sub);margin:0}
.card .k{font-family:var(--mono);font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--sub)}
.card .go{display:inline-block;margin-top:14px;font-size:.86rem;font-weight:600;color:var(--steel)}
.card.big{padding:clamp(24px,3vw,36px)}
.card.big h3{font-size:clamp(1.5rem,2.4vw,2rem)}
.chapter-head .lede a{color:var(--steel);font-weight:600}

/* testimonials */
.proof{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
@media(max-width:900px){.proof{grid-template-columns:1fr}}
.quote{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:14px}
.quote p{font-size:1.02rem;line-height:1.5;margin:0;max-width:100%}
.quote footer{font-size:.84rem;color:var(--sub);border:0;padding:0;margin-top:auto}
.quote footer b{color:var(--text);font-weight:600;display:block}
.proof-empty{border:1px dashed var(--line-strong);border-radius:var(--r);padding:26px;color:var(--sub);font-size:.92rem}

/* interior pages: calmer hero, breadcrumbs, reading layout */
.page-hero{padding:clamp(120px,14vw,160px) 0 clamp(36px,5vw,56px);border-bottom:1px solid var(--line-strong);position:relative;overflow:clip}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{font-size:clamp(2.2rem,4.6vw,3.8rem);max-width:20ch;margin:14px 0 18px}
.page-hero .lede{max-width:64ch}
.page-hero .topo{position:absolute;inset:0;opacity:.35;pointer-events:none;background:radial-gradient(60% 80% at 85% 30%,color-mix(in srgb,var(--steel) 14%,transparent),transparent 70%)}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;font-family:var(--mono);font-size:.74rem;color:var(--sub)}
.crumbs a{color:var(--sub)}
.crumbs a:hover{color:var(--text)}
.crumbs span::before{content:'/';margin-right:8px;color:var(--line-strong)}
.crumbs span:first-child::before{display:none}
.reading{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:clamp(32px,6vw,96px);padding:clamp(48px,6vw,80px) 0}
@media(max-width:1000px){.reading{grid-template-columns:1fr}}
.prose{max-width:70ch}
.prose h2{font-size:clamp(1.5rem,2.6vw,2.1rem);margin:44px 0 14px;letter-spacing:-.02em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.2rem;margin:28px 0 10px}
.prose p{margin-bottom:16px}
.prose ul,.prose ol{margin:0 0 18px 20px;display:grid;gap:8px}
.prose li{color:var(--text)}
.prose .answer{padding:20px 22px;border-left:2px solid var(--brand-line);background:var(--surface);border-radius:0 var(--r) var(--r) 0;margin-bottom:26px;font-size:1.08rem;line-height:1.55}
.prose .answer p{margin:0}
.prose .example{border:1px solid var(--line-strong);border-radius:var(--r);padding:20px 22px;margin:20px 0;background:color-mix(in srgb,var(--text) 3%,transparent)}
.prose .example .k{font-family:var(--mono);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--sub);display:block;margin-bottom:8px}
.prose .sources{font-size:.9rem;color:var(--sub)}
.prose .sources a{color:var(--steel)}
.prose table{width:100%;border-collapse:collapse;font-size:.92rem;margin:0 0 20px}
.prose th{text-align:left;font-family:var(--mono);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;color:var(--sub);padding:8px 0;border-bottom:1px solid var(--line-strong)}
.prose td{padding:10px 12px 10px 0;border-bottom:1px solid var(--line);vertical-align:top}
.aside{position:sticky;top:110px;display:grid;gap:14px;align-self:start}
.aside .box{background:var(--surface);border:1px solid var(--line-strong);border-radius:var(--r);padding:18px}
.aside .box h4{font-size:.8rem;font-family:var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--sub);margin-bottom:12px;font-weight:500}
.aside .box ul{list-style:none;display:grid;gap:8px;font-size:.92rem}
.aside .box a{color:var(--text)}
.aside .box a:hover{color:var(--steel)}
.aside .btn{width:100%;justify-content:center}
.toc a{display:block;padding:4px 0;color:var(--sub);font-size:.9rem}
.toc a:hover{color:var(--text)}
.author-block{display:flex;gap:14px;align-items:center;padding:18px 0;border-top:1px solid var(--line-strong);border-bottom:1px solid var(--line-strong);margin:30px 0 8px}
.author-block img{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:top;background:var(--charcoal);flex:none}
.author-block b{display:block;font-size:.95rem}
.author-block span{display:block;font-size:.82rem;color:var(--sub)}
.author-block .mono{margin-top:2px}
.faq-list details p a{color:var(--steel);font-weight:600}

/* cta band */
.cta-band{padding:clamp(56px,8vw,96px) 0;border-top:1px solid var(--line-strong)}
.cta-band-in{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px;align-items:center}
@media(max-width:900px){.cta-band-in{grid-template-columns:1fr}}
.cta-band h2{font-size:clamp(1.8rem,3.4vw,2.8rem);margin-bottom:8px}
.cta-band p{color:var(--sub);margin:0}
.cta-band-btns{display:flex;flex-wrap:wrap;gap:12px}

/* insights list + article */
.insights{display:grid;gap:0;border-top:1px solid var(--line-strong)}
.insight{display:grid;grid-template-columns:110px 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}
.insight time{font-family:var(--mono);font-size:.76rem;color:var(--sub);padding-top:4px}
.insight h3{font-size:1.1rem;margin-bottom:6px}
.insight h3 a:hover{color:var(--steel)}
.insight p{font-size:.92rem;color:var(--sub);margin:0}
@media(max-width:600px){.insight{grid-template-columns:1fr}}
.summary-box{border:1px solid var(--line-strong);border-radius:var(--r);padding:18px 22px;margin:0 0 26px;background:var(--surface)}
.summary-box .k{font-family:var(--mono);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--sub);display:block;margin-bottom:8px}
.summary-box ul{margin:0 0 0 18px;display:grid;gap:6px}

/* chart text alternative */
.chart-alt{margin-top:12px;font-size:.84rem}
.chart-alt summary{cursor:pointer;color:var(--steel);font-weight:600;list-style:none}
.chart-alt summary::-webkit-details-marker{display:none}
.chart-alt table{width:100%;border-collapse:collapse;margin-top:10px;font-family:var(--mono);font-size:.78rem}
.chart-alt th,.chart-alt td{text-align:right;padding:5px 6px;border-bottom:1px solid var(--line)}
.chart-alt th:first-child,.chart-alt td:first-child{text-align:left}

/* honeypot */
.hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}

/* status pill used by every data component (Weekly / Daily / Prior close / Sample) */
.status{font-family:var(--mono);font-size:.66rem;letter-spacing:.08em;text-transform:uppercase;padding:3px 7px;border:1px solid var(--line-strong);border-radius:3px;color:var(--sub);white-space:nowrap}
.status.sample{border-color:var(--warn);color:var(--warn)}
.status.unavailable{border-color:var(--risk);color:var(--risk)}

/* compliance pages */
.legal .prose h2{font-size:1.35rem;margin-top:34px}
.legal .prose p,.legal .prose li{font-size:.98rem}

/* about page */
.about-hero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(32px,6vw,96px);align-items:end}
@media(max-width:900px){.about-hero{grid-template-columns:1fr}}
.about-hero img{width:100%;max-width:420px;height:auto;justify-self:end;filter:drop-shadow(0 20px 40px rgba(0,0,0,.35))}

/* Spanish navigation runs longer than English — give it room before the burger takes over */
html[lang="es"] .nav-links{gap:clamp(14px,1.6vw,26px);font-size:.92rem}
html[lang="es"] .nav-links a,html[lang="es"] .nav-dd-btn{white-space:nowrap}
@media(max-width:1300px){html[lang="es"] .nav-links{display:none}html[lang="es"] .burger{display:block}}