/* ============================================================
   Balmoral Commercial Finance — homepage concepts, v4
   ONE fixed visual language ("Teal Soft Glow" — the one you
   picked: white page, soft teal glow behind the hero, glossy
   teal gradient pill buttons, glowing teal-border cards,
   consistent radius). 5 different LAYOUTS/compositions of it.
   The selected-lender carousel is the only intentional keyframed
   motion treatment in this concept set.
   ============================================================ */

* { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --font-sans: "Avenir Next", -apple-system, BlinkMacSystemFont, "Segoe UI", "Trebuchet MS", sans-serif;
  --navy: #0A1F44;
  --teal: #008080;
  --grey: #D9D9D9;
  --body: #333333;

  --bg: #FFFFFF;
  --alt-bg: #F5FAFA;
  --heading: #0A1F44;
  --sub: #5B6B76;
  --accent: #008080;

  --radius-btn: 999px;
  --radius-card: 18px;
  --radius-panel: 28px;

  --btn-primary-bg: linear-gradient(135deg, #22B8B8, #007070);
  --btn-primary-text: #fff;
  --btn-primary-shadow: 0 6px 18px rgba(0,128,128,.35);
  --btn-line-bg: #fff;
  --btn-line-text: #0A1F44;
  --btn-line-border: 1.5px solid #0A1F44;
  --btn-eligibility-bg: linear-gradient(180deg, rgba(239,253,253,.98), rgba(213,245,246,.96));
  --btn-eligibility-border: 1.5px solid rgba(0,128,128,.42);
  --btn-eligibility-text: #063f49;
  --btn-eligibility-shadow: 0 13px 28px rgba(0,128,128,.16);

  --card-bg: #fff;
  --card-border: 1px solid rgba(0,128,128,.25);
  --card-shadow: 0 8px 26px rgba(10,31,68,.07);

  --hero-glow: radial-gradient(ellipse 900px 460px at 50% 0%, rgba(0,128,128,.14), transparent 70%);

  --cta-bg: linear-gradient(135deg, #0E3A52, #0A1F44);
  --cta-text: #fff;
  --cta-sub: #C7CDDA;
}

body { font-family: var(--font-sans); color: var(--body); background: var(--bg); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; border: none; background: none; cursor: pointer; }
table { border-collapse: collapse; width: 100%; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 40px; }
@media (max-width: 900px) { .container { padding: 0 24px; } }

/* ---------- Interactivity: transitions + focus ---------- */
a, .btn, .card, .pill-item, .lender-logo-card, .nav-toggle, .navlinks a {
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease, background .18s ease, color .18s ease;
}

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Scroll-reveal: classes are added by a small script in wrap(); degrades to
   fully visible if JS/IntersectionObserver is unavailable. */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .55s ease, transform .55s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Shared components ---------- */
header.bar { position: sticky; top: 0; z-index: 50; background: var(--bg); }
header.bar .container { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.logo { display: flex; align-items: center; }
.logo img { height: 64px; width: auto; display: block; }
.footer-logo { height: 52px; width: auto; display: block; margin-bottom: 12px; }
.bar-actions { display: flex; align-items: center; gap: 18px; }

.bar-phone { display: flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 700; color: var(--heading); white-space: nowrap; }
.bar-phone:hover, .bar-phone:focus-visible { color: var(--accent); }
.bar-phone-icon { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 999px; background: rgba(0,128,128,.1); color: var(--accent); flex: none; }
.bar-phone-icon svg { width: 15px; height: 15px; }
@media (max-width: 1080px) { .bar-phone span:last-child { display: none; } }
@media (max-width: 900px) { .bar-phone { display: none; } }

.navlinks { display: flex; align-items: center; gap: 24px; font-size: 14px; color: var(--heading); }
.navlinks a { position: relative; padding: 4px 1px; }
.navlinks a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -4px;
  height: 2px;
  border-radius: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .18s ease;
}
.navlinks a:hover { color: var(--accent); }
.navlinks a:hover::after,
.navlinks a.active::after { transform: scaleX(1); }
.navlinks a.active { color: var(--accent); font-weight: 700; }

.nav-dropdown { position: relative; display: flex; align-items: center; }
.nav-dropdown::after {
  content: "";
  position: absolute;
  left: -10px;
  right: -10px;
  top: 100%;
  height: 18px;
  display: none;
}
.nav-dropdown:hover::after,
.nav-dropdown:focus-within::after { display: block; }
.nav-dropdown-trigger { display: inline-flex; align-items: center; gap: 5px; }
.nav-caret { display: inline-block; font-size: 10px; line-height: 1; transform: translateY(-1px); transition: transform .18s ease; }
.nav-dropdown:hover .nav-caret,
.nav-dropdown:focus-within .nav-caret { transform: translateY(-1px) rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  z-index: 80;
  width: min(90vw, 390px);
  max-height: min(70vh, 520px);
  overflow: auto;
  display: grid;
  gap: 4px;
  padding: 10px;
  border: 1px solid rgba(0,128,128,.18);
  border-radius: 16px;
  background: rgba(255,255,255,.98);
  box-shadow: 0 22px 54px rgba(10,31,68,.16);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translate(-50%, 8px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s ease;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, 0);
}
.nav-dropdown-menu a {
  display: grid;
  gap: 3px;
  min-width: 0;
  padding: 10px 12px;
  border-radius: 12px;
  white-space: normal;
}
.nav-dropdown-menu a::after { display: none; }
.nav-dropdown-menu a:hover,
.nav-dropdown-menu a:focus-visible {
  background: rgba(0,128,128,.08);
  color: var(--heading);
}
.nav-dropdown-menu strong {
  color: var(--heading);
  font-size: 13.5px;
  line-height: 1.25;
}
.nav-dropdown-menu span {
  color: var(--sub);
  font-size: 12px;
  font-weight: 500;
  line-height: 1.35;
}

.nav-toggle { display: none; flex-direction: column; justify-content: center; gap: 4px; width: 38px; height: 38px; border-radius: 10px; padding: 0; }
.nav-toggle span { display: block; width: 20px; height: 2px; margin: 0 auto; background: var(--heading); border-radius: 2px; }
.nav-toggle:hover { background: var(--alt-bg); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

.mobile-nav {
  display: none;
  grid-template-rows: 0fr;
  background: var(--bg);
  border-top: 1px solid rgba(0,128,128,.15);
}
.mobile-nav.open { grid-template-rows: 1fr; }
.mobile-nav > * { overflow: hidden; min-height: 0; }
.mobile-navlinks { display: flex; flex-direction: column; }
.mobile-navlinks a { padding: 14px 40px; font-size: 15px; font-weight: 600; color: var(--heading); border-bottom: 1px solid rgba(0,128,128,.1); }
.mobile-navlinks a::after { display: none; }
.mobile-navlinks a.active { color: var(--accent); }
.mobile-nav-group { border-bottom: 1px solid rgba(0,128,128,.1); }
.mobile-nav-group summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 14px 40px;
  color: var(--heading);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  list-style: none;
}
.mobile-nav-group summary::-webkit-details-marker { display: none; }
.mobile-nav-group summary.active { color: var(--accent); }
.mobile-nav-group summary span:last-child { transition: transform .18s ease; }
.mobile-nav-group[open] summary span:last-child { transform: rotate(180deg); }
.mobile-nav-sublist {
  display: grid;
  gap: 3px;
  padding: 0 40px 12px;
}
.mobile-nav-sublist a {
  border-bottom: 0;
  border-radius: 12px;
  padding: 9px 12px;
  font-size: 13.5px;
  color: var(--sub);
}
.mobile-nav-sublist a:hover,
.mobile-nav-sublist a:focus-visible {
  background: rgba(0,128,128,.08);
  color: var(--heading);
}
.mobile-nav-actions { display: flex; flex-direction: column; gap: 10px; padding: 20px 40px 28px; }
.mobile-nav-actions .btn { justify-content: center; }

@media (max-width: 900px) {
  .navlinks { display: none; }
  .nav-toggle { display: flex; }
  .mobile-nav { display: grid; transition: grid-template-rows .22s ease; }
}

.btn { display: inline-flex; align-items: center; padding: 13px 24px; border-radius: var(--radius-btn); font-size: 14px; font-weight: 700; }
.btn-primary { background: var(--btn-primary-bg); color: var(--btn-primary-text); box-shadow: var(--btn-primary-shadow); }
.btn-primary:hover, .btn-primary:focus-visible { transform: translateY(-2px); box-shadow: 0 10px 26px rgba(0,128,128,.45); }
.btn-primary:active { transform: translateY(0); }
.btn-line { background: var(--btn-line-bg); color: var(--btn-line-text); border: var(--btn-line-border); }
.btn-line:hover, .btn-line:focus-visible { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-eligibility { gap: 10px; background: var(--btn-eligibility-bg); color: var(--btn-eligibility-text); border: var(--btn-eligibility-border); box-shadow: var(--btn-eligibility-shadow); }
.btn-eligibility:hover, .btn-eligibility:focus-visible { transform: translateY(-2px); background: linear-gradient(180deg, #f8ffff, #c6eff0); border-color: rgba(0,128,128,.58); box-shadow: 0 18px 34px rgba(0,128,128,.22); }
.btn-sm { padding: 10px 18px; font-size: 13px; }

.card { background: var(--card-bg); border: var(--card-border); box-shadow: var(--card-shadow); border-radius: var(--radius-card); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.card[data-card-clickable] { cursor: pointer; }
.card[data-card-clickable]:focus-visible { outline: 3px solid rgba(0,128,128,.2); outline-offset: 4px; }

/* Interactive lift for card-based tiles across layouts (situation/finance/case/note/decision/quote tiles all extend .card) */
a.card:hover, a.card:focus-visible,
.card[data-card-clickable]:hover,
.card[data-card-clickable]:focus-visible,
.tile:hover, .sit-tile:hover, .case-tile:hover, .note-card:hover,
.decision-card:hover, .quote-card:hover,
.picker-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 30px rgba(0,128,128,.14);
  border-color: rgba(0,128,128,.4);
}

.pill-item:hover { border-color: rgba(0,128,128,.5); box-shadow: 0 6px 16px rgba(0,128,128,.14); }

.shead { text-align: center; max-width: 560px; margin: 0 auto 32px; }
.shead.left { text-align: left; margin: 0 0 32px; }
.shead .kick { font-size: 12px; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 10px; }
.shead h2 { font-size: 28px; color: var(--heading); }
.shead p { font-size: 14.5px; color: var(--sub); margin-top: 8px; }

.section { padding: 60px 0; background: var(--bg); }
.section.alt { background: var(--alt-bg); }
.section[id] { scroll-margin-top: 96px; }

.pill-cloud { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.pill-item { background: var(--card-bg); border: var(--card-border); box-shadow: var(--card-shadow); border-radius: 999px; padding: 14px 22px; font-size: 14px; font-weight: 600; color: var(--heading); }

.chat { max-width: 640px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.bubble { background: var(--card-bg); border: var(--card-border); box-shadow: var(--card-shadow); border-radius: var(--radius-card); padding: 16px 20px; max-width: 78%; }
.bubble h3 { font-size: 14.5px; color: var(--heading); margin-bottom: 4px; }
.bubble p { font-size: 13px; color: var(--sub); line-height: 1.5; }
.bubble.right { align-self: flex-end; background: var(--btn-primary-bg); border: none; box-shadow: var(--btn-primary-shadow); }
.bubble.right h3 { color: #fff; }
.bubble.right p { color: #E3F5F5; }

.founder-block { position: relative; overflow: hidden; display: grid; grid-template-columns: 240px 1fr; gap: 40px; background: var(--alt-bg); border: var(--card-border); border-radius: var(--radius-panel); padding: 40px; align-items: center; }
.founder-block::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 15%, rgba(0,128,128,.1), transparent 45%); pointer-events: none; }
.founder-photo { position: relative; width: 100%; aspect-ratio: 1; border-radius: 999px; background: var(--btn-primary-bg); display: flex; align-items: center; justify-content: center; color: #fff; font-size: 44px; font-weight: 800; overflow: hidden; box-shadow: 0 0 0 6px #fff, 0 0 0 8px rgba(0,128,128,.25), 0 20px 40px rgba(0,128,128,.22); }
.founder-photo img { width: 100%; height: 100%; object-fit: cover; border-radius: inherit; }
.founder-teaser-stack { display: grid; gap: 24px; }
.about-team-section { padding-top: 0; }
.team-member-block { background: #fff; }
.founder-photo-initials { letter-spacing: .03em; }
.founder-name { font-size: 20px; color: var(--heading); font-weight: 700; }
.founder-title { font-size: 13px; color: var(--accent); font-weight: 600; margin: 4px 0 14px; }
.founder-note { font-size: 14.5px; color: var(--sub); line-height: 1.6; margin-bottom: 18px; }
.why-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.why-item { font-size: 13px; color: var(--heading); padding-left: 16px; position: relative; line-height: 1.5; }
.why-item::before { content: "•"; color: var(--accent); position: absolute; left: 0; }
@media (max-width: 900px) { .founder-block { grid-template-columns: 1fr; text-align: center; } .why-list { grid-template-columns: 1fr; } }

.quote-stack { display: flex; flex-direction: column; gap: 16px; max-width: 720px; margin: 0 auto; }
.quote-card { background: var(--card-bg); border: var(--card-border); box-shadow: var(--card-shadow); border-radius: var(--radius-card); padding: 26px 30px; }
.quote-card .stmt { font-size: 17px; color: var(--heading); line-height: 1.5; font-style: italic; }
.quote-card .attr { font-size: 12.5px; color: var(--sub); margin-top: 12px; }

.faq-two { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; }
.faq-two .item { background: var(--card-bg); border: var(--card-border); box-shadow: var(--card-shadow); border-radius: var(--radius-card); padding: 18px 22px; }
.faq-two .q { font-size: 15px; font-weight: 700; color: var(--heading); margin-bottom: 6px; }
.faq-two .a { font-size: 13.5px; color: var(--sub); line-height: 1.55; }

.warm-cta { background: var(--cta-bg); border-radius: var(--radius-panel); padding: 56px; text-align: center; }
.warm-cta h2 { color: var(--cta-text); font-size: 28px; max-width: 620px; margin: 0 auto 14px; }
.warm-cta p { color: var(--cta-sub); font-size: 14.5px; max-width: 520px; margin: 0 auto 26px; }
.warm-cta .cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.warm-cta .btn-line { border-color: #fff; color: #fff; background: transparent; }

footer.pfoot {
  background: linear-gradient(180deg, #F6FBFB 0%, #FFFFFF 100%);
  border-top: 1px solid rgba(0,128,128,.12);
}
footer.pfoot .container {
  display: grid;
  grid-template-columns: minmax(260px, 1.1fr) minmax(260px, .85fr) minmax(270px, .85fr);
  gap: 36px;
  align-items: start;
  padding: 46px 40px 28px;
  font-size: 13px;
  color: var(--sub);
}
.footer-brand-block {
  display: grid;
  align-content: start;
  justify-items: start;
  gap: 12px;
  max-width: 390px;
  line-height: 1.55;
}
.footer-brand-block p {
  max-width: 360px;
  margin: 0;
}
.footer-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
  color: color-mix(in srgb, var(--sub) 82%, var(--heading));
  font-size: 12px;
}
.footer-meta span {
  position: relative;
}
.footer-meta span + span::before {
  content: "";
  position: absolute;
  left: -8px;
  top: .55em;
  width: 3px;
  height: 3px;
  border-radius: 999px;
  background: rgba(0,128,128,.45);
}
.footer-phone {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 8px 13px;
  border: 1px solid rgba(0,128,128,.18);
  border-radius: 999px;
  background: rgba(255,255,255,.76);
  color: var(--heading);
  font-size: 13px;
  font-weight: 800;
}
.footer-phone:hover,
.footer-phone:focus-visible {
  color: var(--accent);
  border-color: rgba(0,128,128,.35);
}
.footer-nav-block {
  display: grid;
  gap: 14px;
}
.footer-label {
  margin: 0;
  color: var(--heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .08em;
  line-height: 1.35;
  text-transform: uppercase;
}
.footer-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 24px;
}
.footer-links a {
  color: var(--heading);
  font-size: 13.5px;
  font-weight: 650;
}
.footer-links a:hover,
.footer-links a:focus-visible {
  color: var(--accent);
}
.preferred-sources-panel {
  display: grid;
  gap: 12px;
  align-content: start;
  min-height: 132px;
  padding: 20px;
  border: 1px solid rgba(0,128,128,.16);
  border-radius: var(--radius-card);
  background: rgba(255,255,255,.82);
  box-shadow: 0 16px 36px rgba(10,31,68,.07);
}
.preferred-sources-copy span {
  color: var(--heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .07em;
  line-height: 1.4;
  text-transform: uppercase;
}
.preferred-sources-button {
  display: flex;
  min-height: 38px;
  align-items: center;
}
.preferred-sources-panel a {
  color: var(--heading);
  font-weight: 700;
}
.footer-bottom {
  grid-column: 1 / -1;
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding-top: 24px;
  border-top: 1px solid rgba(0,128,128,.1);
  color: color-mix(in srgb, var(--sub) 78%, var(--heading));
  font-size: 12px;
}

/* ---------- Powered-by badge ---------- */
.powered-strip { position: relative; z-index: 2; padding: 54px 0 52px; }
.powered-block { display: grid; justify-items: center; gap: 10px; width: min(100%, 280px); margin: 0 auto; text-align: center; }
.powered-link { display: grid; justify-items: center; gap: 10px; text-decoration: none; color: inherit; }
.powered-mark { position: relative; display: grid; place-items: center; width: 108px; aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle at 30% 26%, #ffffff, #f5f8fa 55%, #dfeaf0 100%); border: 1px solid rgba(0,128,128,.12); box-shadow: 0 12px 30px rgba(10,31,68,.16), 0 0 0 8px rgba(255,255,255,.7); }
.powered-mark::before { content: ""; position: absolute; inset: -13px; border-radius: 50%; background: radial-gradient(circle, rgba(0,128,128,.18), rgba(0,128,128,.08) 45%, transparent 72%); filter: blur(8px); z-index: -2; }
.powered-mark::after { content: ""; position: absolute; inset: -6px; border-radius: 50%; border: 1px solid rgba(0,128,128,.18); z-index: -1; }
.powered-logo { width: 64px; height: auto; filter: drop-shadow(0 10px 16px rgba(0,128,128,.18)); }
.powered-copy { display: inline-grid; justify-items: center; gap: 2px; margin: 0; }
.powered-copy span { color: var(--sub); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
.powered-copy strong { color: var(--heading); font-size: 15px; font-weight: 700; line-height: 1.1; }

/* ---------- Selected lender carousel ---------- */
.lender-section { padding-top: 0; }
.lender-panel { position: relative; overflow: hidden; border-radius: var(--radius-panel); background: var(--cta-bg); padding: 42px; color: #fff; box-shadow: 0 24px 60px rgba(10,31,68,.18); }
.lender-panel::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 16% 12%, rgba(34,184,184,.24), transparent 30%), radial-gradient(circle at 86% 88%, rgba(255,255,255,.1), transparent 28%); pointer-events: none; }
.lender-copy { position: relative; max-width: 720px; margin-bottom: 28px; }
.lender-copy .kick { color: #9DECEC; font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 10px; }
.lender-copy h2 { color: #fff; font-size: 30px; line-height: 1.2; max-width: 650px; }
.lender-copy p:not(.kick) { color: #D7E7EB; font-size: 14.5px; line-height: 1.65; max-width: 620px; margin-top: 12px; }
.lender-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.lender-tags span { border: 1px solid rgba(157,236,236,.24); background: rgba(255,255,255,.06); border-radius: 999px; padding: 7px 11px; color: #EAF7F7; font-size: 11px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.lender-carousel { position: relative; overflow: hidden; margin: 0 -42px; padding: 4px 0; mask-image: linear-gradient(90deg, transparent, #000 9%, #000 91%, transparent); }
.lender-logo-track { display: flex; width: max-content; gap: 14px; animation: lender-scroll 95s linear infinite; will-change: transform; }
.lender-carousel:hover .lender-logo-track, .lender-carousel:focus-within .lender-logo-track { animation-play-state: paused; }
.lender-logo-set { display: flex; flex: none; gap: 14px; align-items: center; }
.lender-logo-card { display: grid; place-items: center; width: 168px; height: 78px; border-radius: 18px; padding: 16px 20px; border: 1px solid rgba(255,255,255,.12); transition: transform .18s ease, box-shadow .18s ease; }
.lender-logo-card:hover { transform: translateY(-3px); }
.lender-logo-card.light { background: #fff; box-shadow: 0 16px 32px rgba(1,11,24,.16); }
.lender-logo-card.dark { background: rgba(2,12,28,.82); box-shadow: inset 0 1px 0 rgba(255,255,255,.08), 0 16px 32px rgba(1,11,24,.18); }
.lender-logo-card img { width: auto; max-width: 128px; max-height: 42px; object-fit: contain; }
.lender-note { position: relative; color: #E4F0F4; font-size: 12.5px; line-height: 1.75; letter-spacing: .01em; max-width: 640px; margin-top: 20px; }
@keyframes lender-scroll {
  from { transform: translate3d(0, 0, 0); }
  to { transform: translate3d(calc(-50% - 7px), 0, 0); }
}
@media (max-width: 900px) {
  .lender-panel { padding: 30px 24px; }
  .lender-copy h2 { font-size: 24px; }
  .lender-carousel { margin: 0 -24px; }
}
@media (prefers-reduced-motion: reduce) {
  .lender-carousel { mask-image: none; }
  .lender-logo-track { width: auto; flex-wrap: wrap; animation: none; transform: none; }
  .lender-logo-set[aria-hidden="true"] { display: none; }
}

/* ============================================================
   LAYOUT 1 — SITUATION LED  (unchanged: your pick)
   ============================================================ */
.l-situation .hero { padding: 60px 0 24px; text-align: center; background: var(--hero-glow); }
.l-situation .hero h1 { font-size: 42px; color: var(--heading); font-weight: 800; max-width: 720px; margin: 0 auto; line-height: 1.2; }
.l-situation .hero .sub { font-size: 16px; color: var(--sub); max-width: 560px; margin: 16px auto 0; }
.l-situation .situation-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; padding: 36px 0 8px; background: var(--hero-glow); }
.l-situation .sit-tile { padding: 20px; }
.l-situation .sit-tile h3 { font-size: 14.5px; color: var(--heading); font-weight: 700; margin-bottom: 6px; line-height: 1.3; }
.l-situation .sit-tile p { font-size: 12.5px; color: var(--sub); line-height: 1.5; }
.l-situation .pitch-band { display: flex; justify-content: center; gap: 14px; padding: 34px 0 40px; flex-wrap: wrap; background: var(--hero-glow); }
@media (max-width: 900px) { .l-situation .situation-grid { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   LAYOUT 2 — SPLIT HERO  (two-column hero with lender-lane
   panel; situations become their own section below)
   ============================================================ */
.l-split .hero { padding: 84px 0; background: var(--hero-glow); }
.l-split .hero .container { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.l-split .hero h1 { font-size: 44px; color: var(--heading); font-weight: 800; line-height: 1.18; }
.l-split .hero .sub { font-size: 16px; color: var(--sub); margin: 16px 0 26px; max-width: 480px; }
.l-split .cta-row { display: flex; gap: 12px; flex-wrap: wrap; }
.l-split .lane-panel { padding: 10px 32px; }
.l-split .lane-item { padding: 22px 0; border-top: 1px solid rgba(0,128,128,.18); display: flex; align-items: center; gap: 16px; }
.l-split .lane-item:first-child { border-top: none; }
.l-split .lane-item .idx { flex: none; width: 34px; height: 34px; border-radius: 999px; background: var(--btn-primary-bg); box-shadow: var(--btn-primary-shadow); color: #fff; font-size: 13px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.l-split .lane-item .copy { flex: 1; min-width: 0; }
.l-split .lane-item .name { font-size: 18px; font-weight: 800; color: var(--heading); display: block; }
.l-split .lane-item .meta { font-size: 12.5px; color: var(--sub); margin-top: 2px; display: block; }
.l-split .sit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.l-split .sit-tile { padding: 20px; }
.l-split .sit-tile h3 { font-size: 14.5px; color: var(--heading); font-weight: 700; margin-bottom: 6px; line-height: 1.3; }
.l-split .sit-tile p { font-size: 12.5px; color: var(--sub); line-height: 1.5; }
@media (max-width: 900px) { .l-split .hero .container { grid-template-columns: 1fr; } .l-split .sit-grid { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   LAYOUT 3 — TOOL PREVIEW  (hero shows a mocked AI-match panel;
   finance types as a spec table; connected flow steps)
   ============================================================ */
.l-tool .hero { padding: 84px 0; background: var(--hero-glow); }
.l-tool .hero .container { display: grid; grid-template-columns: 1fr .95fr; gap: 56px; align-items: center; }
.l-tool .hero h1 { font-size: 42px; color: var(--heading); font-weight: 800; line-height: 1.18; }
.l-tool .hero .sub { font-size: 16px; color: var(--sub); margin: 16px 0 26px; max-width: 460px; }
.l-tool .hero .cta-row { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.hero-eligibility-note {
  display: flex;
  flex-wrap: wrap;
  gap: 5px 8px;
  max-width: 460px;
  margin-top: 14px;
  color: var(--sub);
  font-size: 13.5px;
  line-height: 1.45;
}
.hero-eligibility-note a {
  color: var(--accent);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.preview-card { padding: 22px; }
.pc-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; font-size: 13px; font-weight: 700; color: var(--heading); }
.pc-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); display: inline-block; margin-right: 6px; }
.pc-row { background: var(--alt-bg); border-radius: 10px; padding: 12px 14px; margin-bottom: 10px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; }
.pc-row .k { color: var(--sub); }
.pc-row .v { font-weight: 700; color: var(--heading); }
.pc-bar { height: 6px; border-radius: 999px; background: #E7E9EE; margin-top: 14px; overflow: hidden; }
.pc-bar-fill { height: 100%; width: 72%; background: var(--btn-primary-bg); border-radius: 999px; }
.pc-foot { font-size: 11px; color: var(--sub); margin-top: 10px; }
.l-tool .situation-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.l-tool .sit-tile { padding: 20px; border-top: 3px solid var(--accent); border-top-left-radius: 4px; border-top-right-radius: 4px; }
.l-tool a.sit-tile { display: block; color: inherit; text-decoration: none; }
.l-tool .sit-tile h3 { font-size: 14.5px; color: var(--heading); font-weight: 700; margin-bottom: 6px; line-height: 1.3; }
.l-tool .sit-tile p { font-size: 12.5px; color: var(--sub); line-height: 1.5; margin-bottom: 10px; }
.l-tool .sit-tile a { display: inline-block; font-size: 12px; font-weight: 700; color: var(--accent); }
.l-tool .sit-tile .card-cta { display: inline-block; font-size: 12px; font-weight: 700; color: var(--accent); }
.l-tool .grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.l-tool .tile { padding: 22px; border-top: 3px solid var(--accent); }
.l-tool a.tile { display: block; color: inherit; text-decoration: none; }
.l-tool .tile h3 { font-size: 15px; color: var(--heading); margin-bottom: 8px; line-height: 1.35; }
.l-tool .tile p { font-size: 13px; color: var(--sub); line-height: 1.55; }
.l-tool .tile a { display: inline-block; margin-top: 10px; font-size: 12.5px; font-weight: 700; color: var(--accent); }
.l-tool .tile .card-cta,
.l-tool .tile .tile-cta { display: inline-block; margin-top: 10px; font-size: 12.5px; font-weight: 700; color: var(--accent); }

.eligibility-home-section { padding-top: 48px; }
.eligibility-spotlight {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, .72fr);
  gap: 42px;
  align-items: center;
  padding: 42px;
  border: var(--card-border);
  border-radius: var(--radius-panel);
  background: linear-gradient(135deg, #F5FAFA 0%, #fff 58%, #F3FBFB 100%);
  box-shadow: var(--card-shadow);
}
.eligibility-spotlight::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 86% 12%, rgba(34,184,184,.18), transparent 34%);
  pointer-events: none;
}
.eligibility-copy,
.eligibility-preview { position: relative; }
.eligibility-copy .kick {
  color: var(--accent);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.eligibility-copy h2 {
  max-width: 620px;
  color: var(--heading);
  font-size: 30px;
  line-height: 1.22;
}
.eligibility-copy p:not(.kick) {
  max-width: 600px;
  margin: 14px 0 24px;
  color: var(--sub);
  font-size: 14.5px;
  line-height: 1.65;
}
.eligibility-copy .cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.eligibility-preview {
  padding: 22px;
  border: 1px solid rgba(0,128,128,.18);
  border-radius: 18px;
  background: rgba(255,255,255,.86);
  box-shadow: 0 16px 36px rgba(10,31,68,.08);
}
.eligibility-preview-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: center;
  margin-bottom: 14px;
  color: var(--heading);
  font-size: 13px;
  font-weight: 800;
}
.eligibility-preview-head span:last-child {
  color: var(--sub);
  font-weight: 600;
}
.eligibility-preview-step {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 10px;
  align-items: center;
  padding: 11px 0;
  border-top: 1px solid rgba(0,128,128,.12);
}
.eligibility-preview-step strong {
  display: grid;
  place-items: center;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: var(--btn-primary-bg);
  color: #fff;
  font-size: 12px;
  box-shadow: var(--btn-primary-shadow);
}
.eligibility-preview-step span {
  color: var(--heading);
  font-size: 13.5px;
  font-weight: 700;
}
.eligibility-preview-bar {
  height: 6px;
  margin-top: 12px;
  overflow: hidden;
  border-radius: 999px;
  background: #E7E9EE;
}
.eligibility-preview-bar span {
  display: block;
  width: 78%;
  height: 100%;
  border-radius: inherit;
  background: var(--btn-primary-bg);
}
.eligibility-preview p {
  margin-top: 12px;
  color: var(--sub);
  font-size: 12.5px;
  line-height: 1.55;
}

.tile-icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(34,184,184,.16), rgba(0,112,112,.1));
  color: var(--accent);
}
.tile-icon svg { width: 22px; height: 22px; }
.l-tool .flow { position: relative; padding-left: 26px; }
.l-tool .flow::before { content: ""; position: absolute; left: 9px; top: 6px; bottom: 6px; width: 1px; background: rgba(0,128,128,.25); }
.l-tool .flow-step { position: relative; padding-bottom: 30px; }
.l-tool .flow-step:last-child { padding-bottom: 0; }
.l-tool .flow-dot { position: absolute; left: -26px; top: 2px; width: 20px; height: 20px; border-radius: 50%; background: var(--btn-primary-bg); box-shadow: var(--btn-primary-shadow); color: #fff; font-size: 11px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.l-tool .flow-step h3 { font-size: 15px; color: var(--heading); margin-bottom: 4px; }
.l-tool .flow-step p { font-size: 13.5px; color: var(--sub); line-height: 1.5; max-width: 520px; }
.section-link { display: block; text-align: center; margin-top: 26px; font-size: 13.5px; font-weight: 700; color: var(--accent); transition: transform .18s ease; }

.section-link:hover, .l-tool .tile a:hover, .l-page .tile a:hover, .founder-block a:hover, .l-page .bullets a, .l-page .split a {
  text-decoration: underline;
}
.section-link:hover { transform: translateX(3px); }
@media (max-width: 900px) {
  .l-tool .hero .container { grid-template-columns: 1fr; }
  .l-tool .situation-grid { grid-template-columns: repeat(2, 1fr); }
  .l-tool .grid-3 { grid-template-columns: 1fr; }
  .eligibility-spotlight { grid-template-columns: 1fr; padding: 30px 24px; }
  .eligibility-copy h2 { font-size: 25px; }
  footer.pfoot .container { grid-template-columns: 1fr; gap: 28px; padding: 40px 24px 26px; }
  .footer-brand-block { max-width: 520px; }
  .preferred-sources-panel { max-width: 360px; }
  .footer-bottom { flex-direction: column; gap: 8px; }
}
@media (max-width: 640px) {
  .footer-links { grid-template-columns: 1fr; gap: 10px; }
  .preferred-sources-panel { max-width: none; }
}

/* ============================================================
   LAYOUT 4 — PROOF FIRST  (case studies right after the hero;
   big numeral steps)
   ============================================================ */
.l-proof .hero { padding: 76px 0 44px; text-align: center; background: var(--hero-glow); }
.l-proof .hero h1 { font-size: 42px; color: var(--heading); font-weight: 800; max-width: 720px; margin: 0 auto; line-height: 1.2; }
.l-proof .hero .sub { font-size: 16px; color: var(--sub); max-width: 560px; margin: 16px auto 26px; }
.l-proof .cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.l-proof .proof-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.l-proof .proof-cell { padding: 22px; }
.l-proof .proof-cell .pull { font-size: 14.5px; color: var(--heading); font-weight: 700; line-height: 1.35; margin-bottom: 10px; }
.l-proof .proof-cell .desc { font-size: 12px; color: var(--sub); line-height: 1.5; }
.l-proof .sit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.l-proof .sit-tile { padding: 20px; }
.l-proof .sit-tile h3 { font-size: 14.5px; color: var(--heading); font-weight: 700; margin-bottom: 6px; line-height: 1.3; }
.l-proof .sit-tile p { font-size: 12.5px; color: var(--sub); line-height: 1.5; }
.l-proof .num-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.l-proof .num-cell .big { font-size: 46px; font-weight: 800; color: var(--accent); line-height: 1; }
.l-proof .num-cell h3 { font-size: 15px; color: var(--heading); margin: 10px 0 6px; }
.l-proof .num-cell p { font-size: 12.5px; color: var(--sub); line-height: 1.5; }
@media (max-width: 900px) { .l-proof .proof-grid, .l-proof .sit-grid, .l-proof .num-row { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   LAYOUT 5 — DIRECTORY RAIL  (sticky sidebar nav + dense main
   content, still teal-glow tile styling)
   ============================================================ */
.l-dir .hero { padding: 44px 0; background: var(--hero-glow); }
.l-dir .hero h1 { font-size: 32px; color: var(--heading); font-weight: 800; max-width: 640px; }
.l-dir .hero p { font-size: 15px; color: var(--sub); margin: 12px 0 18px; max-width: 640px; }
.l-dir .hero .cta-row { display: flex; gap: 10px; }
.l-dir .shell { display: grid; grid-template-columns: 220px 1fr; gap: 48px; padding: 44px 0 80px; align-items: start; }
.l-dir .rail { position: sticky; top: 24px; border-right: 1px solid rgba(0,128,128,.2); padding-right: 24px; }
.l-dir .rail a { display: block; font-size: 13px; color: var(--sub); padding: 7px 0; }
.l-dir .rail .grp { font-size: 11px; text-transform: uppercase; letter-spacing: .05em; color: var(--heading); font-weight: 700; margin: 0 0 4px; }
.l-dir .d-section { margin-bottom: 48px; }
.l-dir .d-section h2 { font-size: 20px; color: var(--heading); margin-bottom: 4px; }
.l-dir .d-section .sub { font-size: 13px; color: var(--sub); margin-bottom: 18px; }
.l-dir .tile-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.l-dir .d-tile { padding: 16px; }
.l-dir .d-tile .t { font-weight: 700; color: var(--heading); font-size: 13.5px; margin-bottom: 4px; }
.l-dir .d-tile .desc { color: var(--sub); font-size: 12.5px; line-height: 1.5; }
.l-dir .dl-list .dl-row { padding: 12px 0; border-top: 1px solid rgba(0,128,128,.15); }
.l-dir .dl-list .dl-row:last-child { border-bottom: 1px solid rgba(0,128,128,.15); }
.l-dir .dl-row .term { font-weight: 700; color: var(--heading); font-size: 14px; }
.l-dir .dl-row .def { color: var(--sub); font-size: 13px; margin-top: 2px; }
.l-dir .steps-ol { counter-reset: step; }
.l-dir .steps-ol li { counter-increment: step; padding: 10px 0 10px 30px; position: relative; border-top: 1px solid rgba(0,128,128,.15); font-size: 14px; }
.l-dir .steps-ol li:last-child { border-bottom: 1px solid rgba(0,128,128,.15); }
.l-dir .steps-ol li::before { content: counter(step); position: absolute; left: 0; top: 10px; width: 18px; height: 18px; border-radius: 5px; background: var(--btn-primary-bg); color: #fff; font-size: 10px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.l-dir .steps-ol b { color: var(--heading); }
.l-dir .steps-ol span { color: var(--sub); }
.l-dir .case-list .c-row { display: grid; grid-template-columns: 90px 1fr; gap: 14px; padding: 12px 0; border-top: 1px solid rgba(0,128,128,.15); align-items: baseline; }
.l-dir .case-list .c-row:last-child { border-bottom: 1px solid rgba(0,128,128,.15); }
.l-dir .c-row .chip { font-size: 10.5px; font-weight: 700; color: var(--accent); text-transform: uppercase; border: 1px solid var(--accent); border-radius: 4px; padding: 2px 6px; text-align: center; }
.l-dir .c-row .t { font-weight: 700; color: var(--heading); font-size: 13.5px; }
.l-dir .c-row .desc { color: var(--sub); font-size: 12.5px; margin-top: 2px; }
.l-dir .end-box { padding: 28px; display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; }
.l-dir .end-box h2 { font-size: 18px; color: var(--heading); }
.l-dir .end-box p { font-size: 13px; color: var(--sub); margin-top: 4px; }
@media (max-width: 900px) {
  .l-dir .shell { grid-template-columns: 1fr; }
  .l-dir .rail { position: static; border-right: none; border-bottom: 1px solid rgba(0,128,128,.2); padding-right: 0; padding-bottom: 16px; display: flex; flex-wrap: wrap; gap: 4px 16px; }
  .l-dir .rail .grp { display: none; }
  .l-dir .tile-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   INTERIOR PAGES — shared shell for Loan Types / Expertise /
   Case Studies / Eligibility / About. Same Teal Soft Glow
   language as the Tool Preview homepage, left-aligned hero,
   optional right side panel.
   ============================================================ */
.l-page .hero { padding: 76px 0; background: var(--hero-glow); }
.l-page .hero .container { display: grid; grid-template-columns: 1fr .8fr; gap: 56px; align-items: start; }
.l-page .hero.no-panel .container { grid-template-columns: 1fr; max-width: 760px; }
.l-page .hero .kick { display: block; font-size: 12px; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 14px; }
.l-page .hero h1 { font-size: 40px; color: var(--heading); font-weight: 800; line-height: 1.18; }
.l-page .hero .sub { font-size: 16px; color: var(--sub); margin: 16px 0 22px; max-width: 560px; line-height: 1.55; }
.l-page .cta-row { display: flex; gap: 12px; flex-wrap: wrap; }
.l-page .highlight-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 22px; max-width: 560px; }
.l-page .highlight-item strong { display: block; font-size: 13.5px; color: var(--heading); margin-bottom: 3px; }
.l-page .highlight-item span { font-size: 12px; color: var(--sub); line-height: 1.5; }

.l-page .side-panel { padding: 24px; }
.l-page .side-panel .sp-kicker { font-size: 12px; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 14px; display: block; }
.l-page .qp-item { position: relative; display: block; padding: 14px 0; border-top: 1px solid rgba(0,128,128,.15); color: inherit; text-decoration: none; }
.l-page .qp-item:first-of-type { border-top: none; }
.l-page .qp-item strong { display: block; font-size: 14px; color: var(--heading); margin-bottom: 3px; }
.l-page .qp-item span { font-size: 12px; color: var(--sub); line-height: 1.45; }
.l-page a.qp-item { padding-right: 28px; }
.l-page a.qp-item::after { content: "→"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); color: var(--accent); font-weight: 800; opacity: .75; transition: transform .18s ease, opacity .18s ease; }
.l-page a.qp-item:hover strong,
.l-page a.qp-item:focus-visible strong { color: var(--accent); }
.l-page a.qp-item:hover::after,
.l-page a.qp-item:focus-visible::after { transform: translate(3px, -50%); opacity: 1; }

.l-page .split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: start; }
.l-page .split h2 { font-size: 26px; color: var(--heading); margin-bottom: 14px; line-height: 1.3; }
.l-page .split p { font-size: 14.5px; color: var(--sub); line-height: 1.6; margin-bottom: 12px; }
.l-page .split a { color: var(--accent); font-weight: 600; }
.l-page .stack { display: flex; flex-direction: column; gap: 12px; }
.l-page .note-card { padding: 18px 20px; }
.l-page .note-card strong { display: block; font-size: 14px; color: var(--heading); margin-bottom: 4px; }
.l-page .note-card span, .l-page .note-card p { font-size: 13px; color: var(--sub); line-height: 1.55; margin: 0; }
.l-page .bullets { display: flex; flex-direction: column; gap: 10px; }
.l-page .bullets li { font-size: 14px; color: var(--body); padding-left: 18px; position: relative; line-height: 1.55; }
.l-page .bullets li::before { content: "—"; position: absolute; left: 0; color: var(--accent); }

.l-page .grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.l-page .grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.l-page .tile { padding: 22px; border-top: 3px solid var(--accent); }
.l-page a.tile { display: block; color: inherit; text-decoration: none; }
.l-page .tile h3 { font-size: 15px; color: var(--heading); margin-bottom: 8px; line-height: 1.35; }
.l-page .tile p { font-size: 13px; color: var(--sub); line-height: 1.55; }
.l-page .tile a { display: inline-block; margin-top: 10px; font-size: 12.5px; font-weight: 700; color: var(--accent); }
.l-page .tile .tile-cta { display: inline-block; margin-top: 10px; font-size: 12.5px; font-weight: 700; color: var(--accent); }

.expertise-section-list { display: grid; gap: 18px; }
.expertise-detail {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, .72fr);
  gap: 34px;
  align-items: start;
  padding: 30px;
  scroll-margin-top: 104px;
  border-top: 3px solid var(--accent);
}
.expertise-detail-main .tile-icon { margin-bottom: 16px; }
.expertise-detail-main .kick { color: var(--accent); font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 8px; }
.expertise-detail-main h2 { color: var(--heading); font-size: 26px; line-height: 1.25; margin-bottom: 10px; }
.expertise-detail-main p { color: var(--sub); font-size: 14.5px; line-height: 1.65; margin-bottom: 12px; }
.expertise-detail-main .expertise-summary { color: var(--body); font-weight: 600; }
.expertise-detail-main .cta-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.expertise-detail-aside {
  background: rgba(243,251,251,.78);
  border: 1px solid rgba(0,128,128,.16);
  border-radius: var(--radius-card);
  padding: 22px;
}
.expertise-detail-aside h3 { color: var(--heading); font-size: 15px; margin: 0 0 10px; }
.expertise-detail-aside h3 + .bullets { margin-bottom: 18px; }
.expertise-detail-aside h3 + .bullets:last-child { margin-bottom: 0; }

.l-page .case-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.l-page .case-tile { padding: 24px; }
.l-page .case-tile h3 { font-size: 16px; color: var(--heading); margin-bottom: 8px; line-height: 1.35; }
.l-page .case-tile p { font-size: 13px; color: var(--sub); line-height: 1.55; margin-bottom: 14px; }

.l-page .decision-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.l-page .decision-card { padding: 22px; border-left-width: 4px; border-left-style: solid; }
.l-page .decision-card.pass { border-left-color: var(--accent); }
.l-page .decision-card.refer { border-left-color: #C7963A; }
.l-page .decision-card.fail { border-left-color: #C0563F; }
.l-page .decision-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--sub); }
.l-page .decision-card strong { display: block; font-size: 16px; color: var(--heading); margin: 8px 0 6px; }
.l-page .decision-card p { font-size: 13px; color: var(--sub); line-height: 1.5; }

.l-page .banner { padding: 40px; }
.l-page .banner h2 { font-size: 24px; color: var(--heading); margin-bottom: 10px; }
.l-page .banner p { font-size: 14px; color: var(--sub); line-height: 1.6; }

.l-page .disclaimer { font-size: 12px; color: var(--sub); line-height: 1.6; padding: 18px 20px; }
.l-page .about-pill-section { margin-top: 8px; margin-bottom: 46px; }
.l-page .about-pill-cloud { justify-content: center; }

@media (max-width: 900px) {
  .l-page .hero .container, .l-page .split, .l-page .grid-3, .l-page .grid-2, .l-page .case-grid, .l-page .decision-grid { grid-template-columns: 1fr; }
  .expertise-detail { grid-template-columns: 1fr; padding: 24px; }
}

@media (max-width: 640px) {
  .l-page .about-pill-section { margin-top: 4px; margin-bottom: 38px; }
  .l-page .about-pill-cloud { justify-content: flex-start; }
}

/* ---------- Generated resource article pages ---------- */
.l-resource-article .hero .container { grid-template-columns: 1fr .72fr; }
.concept-resource-article .section { padding: 58px 0; background: var(--bg); }
.concept-resource-article .section-soft { background: var(--alt-bg); }
.concept-resource-article .section-heading { max-width: 700px; margin: 0 auto 26px; text-align: center; }
.concept-resource-article .section-heading-compact { max-width: 640px; }
.concept-resource-article .section-heading h2,
.concept-resource-article .split-layout h2 { color: var(--heading); font-size: 28px; line-height: 1.24; margin-bottom: 10px; }
.concept-resource-article .section-heading p,
.concept-resource-article .split-layout p,
.concept-resource-article .callout-card p,
.concept-resource-article .related-link-card span:last-child,
.concept-resource-article .grid-follow-up { color: var(--sub); font-size: 14px; line-height: 1.62; }
.concept-resource-article .eyebrow { color: var(--accent); font-size: 11px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 8px; }
.concept-resource-article .split-layout { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(280px, .72fr); gap: 34px; align-items: start; }
.concept-resource-article .split-layout > div:last-child,
.concept-resource-article .callout-card,
.concept-resource-article .related-link-card {
  background: var(--card-bg);
  border: var(--card-border);
  box-shadow: var(--card-shadow);
  border-radius: var(--radius-card);
}
.concept-resource-article .split-layout > div:last-child { padding: 24px; }
.concept-resource-article .split-layout h3,
.concept-resource-article .callout-card h3,
.concept-resource-article .related-link-card strong { display: block; color: var(--heading); font-size: 16px; line-height: 1.35; margin-bottom: 8px; }
.concept-resource-article .three-grid,
.concept-resource-article .related-link-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.concept-resource-article .callout-card,
.concept-resource-article .related-link-card { padding: 22px; }
.concept-resource-article .related-link-card { display: grid; gap: 7px; }
.concept-resource-article .related-link-card:hover,
.concept-resource-article .related-link-card:focus-visible { transform: translateY(-3px); border-color: rgba(0,128,128,.4); box-shadow: 0 14px 30px rgba(0,128,128,.14); }
.concept-resource-article .related-link-card-label { color: var(--accent); font-size: 10.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.concept-resource-article .check-list { display: grid; gap: 10px; margin-top: 12px; }
.concept-resource-article .check-list li { position: relative; padding-left: 20px; color: var(--body); font-size: 13.5px; line-height: 1.55; }
.concept-resource-article .check-list li::before { content: ""; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); }
.concept-resource-article .hero-proof { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.concept-resource-article .hero-proof span { display: inline-flex; align-items: center; padding: 8px 12px; border-radius: 999px; background: #fff; border: var(--card-border); color: var(--heading); font-size: 12px; font-weight: 700; box-shadow: var(--card-shadow); }
.concept-resource-article .grid-follow-up { margin: 22px auto 0; max-width: 760px; text-align: center; }
.concept-resource-article .contact-primary-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 22px; }
.concept-resource-article .button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: 12px 22px; border-radius: var(--radius-btn); font-size: 13.5px; font-weight: 800; }
.concept-resource-article .button-ai-match,
.concept-resource-article .button-match,
.concept-resource-article .button:not(.button-ghost):not(.button-call) { background: var(--btn-primary-bg); color: #fff; box-shadow: var(--btn-primary-shadow); }
.concept-resource-article .button-ghost,
.concept-resource-article .button-call { background: #fff; color: var(--heading); border: var(--btn-line-border); }
.concept-resource-article .faq-item { background: #fff; border: var(--card-border); border-radius: var(--radius-card); box-shadow: var(--card-shadow); padding: 0 18px; margin: 10px auto; max-width: 820px; }
.concept-resource-article .faq-question { display: flex; align-items: center; justify-content: space-between; gap: 14px; padding: 18px 0; color: var(--heading); font-weight: 800; cursor: pointer; }
.concept-resource-article .faq-answer { color: var(--sub); font-size: 14px; line-height: 1.62; padding: 0 0 18px; }
.concept-resource-article .faq-question-mark { display: none; }
@media (max-width: 900px) {
  .l-resource-article .hero .container,
  .concept-resource-article .split-layout,
  .concept-resource-article .three-grid,
  .concept-resource-article .related-link-grid { grid-template-columns: 1fr; }
}

/* ---------- Index / picker page ---------- */
.picker-body { background: #FBFBFA; font-family: var(--font-sans); }
.picker-header { padding: 64px 0 32px; text-align: center; }
.picker-header h1 { font-size: 34px; color: #0A1F44; margin-bottom: 12px; }
.picker-header p { font-size: 16px; color: #757575; }
.picker-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; max-width: 1160px; margin: 0 auto; padding: 0 40px 80px; }
.picker-card { display: block; border: 1px solid #E4E4E4; border-radius: 14px; overflow: hidden; background: #fff; }
.picker-card .swatch { height: 120px; background: linear-gradient(135deg,#FFFFFF,#22B8B8); }
.picker-card .info { padding: 20px; }
.picker-card .info h2 { font-size: 17px; color: #0A1F44; margin-bottom: 6px; }
.picker-card .info p { font-size: 14px; color: #757575; line-height: 1.5; }

/* ---------- Responsive refinement for tablet and phone ---------- */
html { overflow-x: clip; }
body { overflow-x: clip; }

.card,
.tile,
.side-panel,
.preview-card,
.warm-cta,
.lender-panel,
.eligibility-spotlight,
.eligibility-preview,
.founder-block,
.expertise-detail,
.concept-resource-article .callout-card,
.concept-resource-article .related-link-card { min-width: 0; }

.hero h1,
.hero h2,
.shead h2,
.tile h3,
.card h3,
.quote-card .stmt,
.footer-brand-block p,
.mobile-navlinks a,
.mobile-nav-sublist a {
  overflow-wrap: anywhere;
}

header.bar .container { padding: 16px 40px; }

@media (max-width: 1100px) {
  footer.pfoot .container {
    grid-template-columns: minmax(260px, 1fr) minmax(260px, 1fr);
  }

  .preferred-sources-panel {
    grid-column: 1 / -1;
    max-width: 460px;
  }
}

@media (max-width: 1040px) {
  .navlinks { display: none; }
  .nav-toggle { display: flex; }
  .mobile-nav { display: grid; transition: grid-template-rows .22s ease; }
  .bar-phone { display: none; }
  header.bar .container { padding: 14px 28px; }
  .logo img { height: 58px; }
}

@media (min-width: 641px) and (max-width: 900px) {
  .l-tool .grid-3,
  .l-page .grid-3,
  .l-page .decision-grid,
  .concept-resource-article .three-grid,
  .concept-resource-article .related-link-grid,
  .picker-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .l-page .grid-2,
  .l-page .case-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .l-page .hero .container,
  .l-resource-article .hero .container {
    gap: 30px;
  }
}

@media (max-width: 760px) {
  .container { padding: 0 20px; }
  .section { padding: 46px 0; }
  .shead { margin-bottom: 24px; }
  .shead h2 { font-size: 25px; line-height: 1.22; }
  .shead p { font-size: 14px; }

  header.bar .container { padding: 12px 20px; }
  .logo img { height: 52px; }
  .nav-toggle { width: 42px; height: 42px; border: 1px solid rgba(0,128,128,.14); }
  .mobile-nav.open > * {
    max-height: calc(100dvh - 72px);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
  .mobile-navlinks a,
  .mobile-nav-group summary {
    padding-left: 20px;
    padding-right: 20px;
  }
  .mobile-nav-sublist {
    padding-left: 20px;
    padding-right: 20px;
  }
  .mobile-nav-actions { padding: 18px 20px 24px; }

  .btn {
    min-height: 46px;
    justify-content: center;
    padding: 12px 20px;
  }

  .l-tool .hero,
  .l-split .hero,
  .l-proof .hero,
  .l-page .hero {
    padding: 50px 0 42px;
  }

  .l-tool .hero .container,
  .l-split .hero .container,
  .l-page .hero .container {
    gap: 30px;
  }

  .l-tool .hero h1,
  .l-situation .hero h1,
  .l-split .hero h1,
  .l-proof .hero h1,
  .l-page .hero h1 {
    font-size: 34px;
    line-height: 1.15;
  }

  .l-tool .hero .sub,
  .l-situation .hero .sub,
  .l-split .hero .sub,
  .l-proof .hero .sub,
  .l-page .hero .sub {
    font-size: 15px;
  }

  .l-page .highlight-row { grid-template-columns: 1fr; }
  .preview-card,
  .l-page .side-panel,
  .l-page .banner,
  .expertise-detail,
  .concept-resource-article .split-layout > div:last-child,
  .concept-resource-article .callout-card,
  .concept-resource-article .related-link-card {
    padding: 20px;
  }

  .eligibility-spotlight,
  .lender-panel,
  .founder-block,
  .warm-cta {
    border-radius: 22px;
  }

  .warm-cta { padding: 34px 24px; }
  .warm-cta h2 { font-size: 25px; line-height: 1.24; }
  .quote-card { padding: 22px; }

  .footer-links { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  footer.pfoot .container {
    grid-template-columns: 1fr;
    padding: 38px 20px 24px;
  }
  .preferred-sources-panel {
    grid-column: auto;
    width: 100%;
    max-width: none;
  }
}

@media (max-width: 560px) {
  :root {
    --radius-card: 14px;
    --radius-panel: 22px;
  }

  .container { padding: 0 18px; }
  header.bar .container { padding: 10px 18px; }
  .logo img { height: 46px; }
  .bar-actions { gap: 10px; }
  .bar-actions > .btn { display: none; }

  .mobile-navlinks a,
  .mobile-nav-group summary {
    padding-top: 13px;
    padding-bottom: 13px;
  }

  .mobile-nav-sublist {
    gap: 5px;
    padding-bottom: 14px;
  }

  .mobile-nav-sublist a {
    padding: 10px 12px;
  }

  .section { padding: 40px 0; }
  .powered-strip { padding: 38px 0 36px; }
  .lender-section { padding-top: 0; }

  .l-tool .hero,
  .l-situation .hero,
  .l-split .hero,
  .l-proof .hero,
  .l-dir .hero,
  .l-page .hero {
    padding: 40px 0 34px;
  }

  .l-tool .hero h1,
  .l-situation .hero h1,
  .l-split .hero h1,
  .l-proof .hero h1,
  .l-page .hero h1 {
    font-size: 31px;
  }

  .l-page .hero .kick,
  .shead .kick {
    font-size: 11px;
  }

  .l-tool .hero .cta-row,
  .l-split .cta-row,
  .l-proof .cta-row,
  .l-dir .hero .cta-row,
  .l-page .cta-row,
  .eligibility-copy .cta-row,
  .warm-cta .cta-row,
  .concept-resource-article .contact-primary-actions {
    display: grid;
    grid-template-columns: 1fr;
    width: 100%;
  }

  .l-tool .hero .cta-row .btn,
  .l-split .cta-row .btn,
  .l-proof .cta-row .btn,
  .l-dir .hero .cta-row .btn,
  .l-page .cta-row .btn,
  .eligibility-copy .cta-row .btn,
  .warm-cta .cta-row .btn,
  .concept-resource-article .button {
    width: 100%;
  }

  .hero-eligibility-note {
    max-width: none;
    font-size: 13px;
  }

  .pc-row {
    align-items: flex-start;
    gap: 6px;
    flex-direction: column;
  }

  .l-tool .situation-grid,
  .l-situation .situation-grid,
  .l-split .sit-grid,
  .l-proof .proof-grid,
  .l-proof .sit-grid,
  .l-proof .num-row,
  .l-page .grid-2,
  .l-page .grid-3,
  .l-page .case-grid,
  .l-page .decision-grid,
  .concept-resource-article .three-grid,
  .concept-resource-article .related-link-grid,
  .picker-grid {
    grid-template-columns: 1fr;
  }

  .l-tool .sit-tile,
  .l-tool .tile,
  .l-page .tile,
  .l-page .case-tile,
  .l-page .decision-card,
  .faq-two .item {
    padding: 18px;
  }

  .eligibility-spotlight,
  .lender-panel,
  .founder-block,
  .warm-cta {
    padding: 24px 18px;
  }

  .eligibility-copy h2,
  .lender-copy h2,
  .expertise-detail-main h2,
  .concept-resource-article .section-heading h2,
  .concept-resource-article .split-layout h2 {
    font-size: 24px;
  }

  .lender-carousel {
    margin-left: -18px;
    margin-right: -18px;
    mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  }

  .lender-logo-card {
    width: 142px;
    height: 68px;
    padding: 12px 16px;
  }

  .lender-logo-card img {
    max-width: 112px;
    max-height: 36px;
  }

  .founder-photo {
    width: min(210px, 76vw);
    justify-self: center;
  }

  .bubble { max-width: 100%; }
  .quote-card .stmt { font-size: 15.5px; }
  .l-dir .case-list .c-row { grid-template-columns: 1fr; gap: 6px; }
  .l-dir .c-row .chip { width: max-content; }

  footer.pfoot .container {
    gap: 24px;
    grid-template-columns: 1fr;
    padding: 34px 18px 22px;
  }

  .footer-brand-block,
  .footer-nav-block,
  .preferred-sources-panel {
    justify-items: stretch;
  }

  .footer-logo { height: 46px; }
  .footer-links { grid-template-columns: 1fr; }
  .footer-meta { display: grid; gap: 6px; }
  .footer-meta span + span::before { display: none; }
}

@media (max-width: 380px) {
  .container { padding: 0 14px; }
  header.bar .container { padding-left: 14px; padding-right: 14px; }
  .logo img { height: 42px; }
  .l-tool .hero h1,
  .l-situation .hero h1,
  .l-split .hero h1,
  .l-proof .hero h1,
  .l-page .hero h1 {
    font-size: 28px;
  }
  .btn { padding-left: 16px; padding-right: 16px; }
}