/* ============================================================
   Legacy Financial Planning — Component & layout styles
   ============================================================ */

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-5), 4vw, var(--space-10));
}
.container--narrow { max-width: var(--content-narrow); }
.container--default { max-width: var(--content-default); }

section { padding-block: clamp(var(--space-12), 8vw, var(--space-24)); }
.section--tight { padding-block: clamp(var(--space-10), 6vw, var(--space-16)); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-primary);
  font-weight: 600;
  margin-bottom: var(--space-4);
}
.eyebrow::before {
  content: '';
  width: 1.5rem; height: 1px;
  background: currentColor;
  display: inline-block;
}

.lede {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
  max-width: 60ch;
  line-height: 1.55;
}

.muted { color: var(--color-text-muted); }
.text-center { text-align: center; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: color-mix(in oklab, var(--color-bg) 88%, transparent);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition-interactive), background var(--transition-interactive);
}
.site-header[data-scrolled='true'] {
  border-bottom-color: var(--color-divider);
  background: color-mix(in oklab, var(--color-bg) 95%, transparent);
}
.site-header__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--space-6);
  padding-block: var(--space-4);
}

.brand {
  display: inline-flex; align-items: center; gap: var(--space-3);
  color: var(--color-text);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 500;
  letter-spacing: -0.01em;
  background: transparent;
  border-radius: 999px;
  padding: 0;
  box-shadow: none;
}
.brand:hover { color: var(--color-text); text-decoration: none; }
.brand__logo {
  display: block;
  width: 166px;
  height: auto;
}
[data-theme='dark'] .brand {
  background: transparent;
  padding: 0;
  box-shadow: none;
}
.brand__mark { width: 32px; height: 32px; color: var(--color-primary); }
.brand__sub {
  font-family: var(--font-body);
  font-size: 0.6875rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  font-weight: 600;
  display: block;
  line-height: 1;
  margin-top: 2px;
}
.brand__name-wrap { display: flex; flex-direction: column; line-height: 1.1; }

.nav { display: none; }
@media (min-width: 920px) {
  .nav { display: flex; align-items: center; gap: var(--space-2); }
}
.nav__link, .nav__toggle {
  font-size: var(--text-sm);
  color: var(--color-text);
  font-weight: 500;
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-md);
}
.nav__toggle::after {
  content: "";
  width: 0.42em;
  height: 0.42em;
  border-right: 1.8px solid currentColor;
  border-bottom: 1.8px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  margin-left: 0.35rem;
  display: inline-block;
}
.nav__link:hover, .nav__toggle:hover { background: var(--color-surface-offset); text-decoration: none; }
.nav__item { position: relative; }
.nav__menu {
  position: absolute;
  top: calc(100% + 6px); left: 0;
  background: var(--color-surface-2);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-3);
  min-width: 280px;
  box-shadow: var(--shadow-lg);
  display: grid;
  gap: 2px;
  opacity: 0; visibility: hidden;
  transform: translateY(4px);
  transition: opacity 180ms, transform 180ms, visibility 180ms;
}
.nav__item:hover .nav__menu,
.nav__item:focus-within .nav__menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav__menu a {
  display: block;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-md);
  color: var(--color-text);
  font-size: var(--text-sm);
}
.nav__menu a small {
  display: block;
  color: var(--color-text-muted);
  font-size: 0.78rem;
  margin-top: 2px;
  font-weight: 400;
}
.nav__menu a:hover { background: var(--color-surface-offset); text-decoration: none; }

.header__cta { display: flex; align-items: center; gap: var(--space-3); }
.header__phone {
  display: none;
  font-size: var(--text-sm);
  color: var(--color-text);
  font-weight: 600;
}
.header__phone svg { width: 16px; height: 16px; color: var(--color-primary); display: inline; vertical-align: -3px; margin-right: 6px; }
@media (min-width: 720px) { .header__phone { display: inline-flex; align-items: center; } }

.theme-toggle {
  width: 38px; height: 38px;
  border-radius: var(--radius-full);
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--color-text);
}
.theme-toggle:hover { background: var(--color-surface-offset); }

/* Mobile nav toggle */
.menu-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px;
  border-radius: var(--radius-md);
  color: var(--color-text);
}
.menu-toggle:hover { background: var(--color-surface-offset); }
@media (min-width: 920px) { .menu-toggle { display: none; } }

/* Mobile drawer */
.mobile-nav {
  position: fixed;
  inset: 0;
  background: var(--color-bg);
  z-index: 100;
  padding: var(--space-6);
  transform: translateX(100%);
  transition: transform 280ms cubic-bezier(0.16, 1, 0.3, 1);
  overflow-y: auto;
}
.mobile-nav[data-open='true'] { transform: translateX(0); }
.mobile-nav__head {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: var(--space-8);
}
.mobile-nav__list { display: grid; gap: var(--space-1); }
.mobile-nav__list a {
  display: block;
  padding: var(--space-4);
  border-radius: var(--radius-md);
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-divider);
}
.mobile-nav__group-title {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--color-text-muted);
  margin: var(--space-6) 0 var(--space-2);
  padding-inline: var(--space-4);
  font-weight: 600;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: 0.85rem 1.4rem;
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: 600;
  letter-spacing: 0.005em;
  border: 1px solid transparent;
  white-space: nowrap;
  cursor: pointer;
  text-decoration: none;
}
.btn--primary {
  background: var(--color-primary);
  color: var(--color-text-inverse);
}
.btn--primary:hover {
  background: var(--color-primary-hover);
  color: var(--color-text-inverse);
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn--ghost {
  background: transparent;
  color: var(--color-text);
  border-color: var(--color-border);
}
.btn--ghost:hover {
  background: var(--color-surface-offset);
  border-color: var(--color-text-muted);
  text-decoration: none;
  color: var(--color-text);
}
.btn--accent {
  background: var(--color-accent);
  color: #FFF;
}
.btn--accent:hover { background: var(--color-accent-hover); color: #FFF; text-decoration: none; }
.btn--lg { padding: 1rem 1.6rem; font-size: var(--text-base); }
.btn svg { width: 16px; height: 16px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding-block: clamp(var(--space-16), 11vw, var(--space-32)) clamp(var(--space-12), 9vw, var(--space-24));
  overflow: hidden;
}
.hero__bg {
  position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(ellipse 70% 50% at 75% 30%, color-mix(in oklab, var(--color-primary) 12%, transparent), transparent 70%),
    radial-gradient(ellipse 60% 50% at 10% 90%, color-mix(in oklab, var(--color-accent) 10%, transparent), transparent 60%);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(var(--space-10), 6vw, var(--space-16));
  align-items: center;
}
@media (min-width: 940px) {
  .hero__grid { grid-template-columns: 1.1fr 0.9fr; }
}
.hero h1 {
  font-size: var(--text-hero);
  font-weight: 400;
  letter-spacing: -0.025em;
  line-height: 0.98;
  margin-bottom: var(--space-6);
}
.hero h1 em {
  font-style: italic;
  color: var(--color-primary);
}
.hero__sub {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
  max-width: 56ch;
  margin-bottom: var(--space-8);
  line-height: 1.55;
}
.hero__ctas {
  display: flex; flex-wrap: wrap; gap: var(--space-3);
  margin-bottom: var(--space-10);
}
.hero__trust {
  display: flex; flex-wrap: wrap; gap: var(--space-6) var(--space-8);
  align-items: center;
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-divider);
}
.hero__trust-item {
  display: flex; flex-direction: column; gap: 2px;
}
.hero__trust-item strong {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-text);
  font-weight: 500;
  line-height: 1;
}
.hero__trust-item span {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 500;
}

/* Hero visual card */
.hero__visual {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4 / 5;
  box-shadow: var(--shadow-lg);
}
.hero__visual img {
  width: 100%; height: 100%; object-fit: cover;
}
.hero__visual::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(20, 33, 31, 0.45) 100%);
}
.hero__floater {
  position: absolute;
  bottom: 24px; left: 24px; right: 24px;
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-5);
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: var(--space-4);
}
.hero__floater-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  border-radius: var(--radius-full);
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
}
.hero__floater-icon svg { width: 22px; height: 22px; }
.hero__floater-text small {
  display: block;
  font-size: 0.78rem;
  color: var(--color-text-muted);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
}
.hero__floater-text strong {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--color-text);
  font-weight: 500;
}

/* ---------- Section title block ---------- */
.section-title {
  margin-bottom: clamp(var(--space-8), 4vw, var(--space-12));
  max-width: 820px;
}
.section-title h2 {
  font-size: var(--text-2xl);
  margin-bottom: var(--space-4);
  letter-spacing: -0.02em;
  font-weight: 400;
}
.section-title h2 em { font-style: italic; color: var(--color-primary); font-weight: 400; }
.section-title p { font-size: var(--text-lg); color: var(--color-text-muted); line-height: 1.5; }

/* ---------- Service cards (homepage / index) ---------- */
.service-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
}
@media (min-width: 720px) { .service-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .service-grid { grid-template-columns: repeat(3, 1fr); } }

.service-card {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  display: flex; flex-direction: column; gap: var(--space-4);
  position: relative;
  text-decoration: none;
  color: var(--color-text);
  overflow: hidden;
  transition:
    transform var(--transition-interactive),
    border-color var(--transition-interactive),
    box-shadow var(--transition-interactive),
    background var(--transition-interactive);
}
.service-card:hover {
  border-color: var(--color-primary);
  background: var(--color-surface-2);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  text-decoration: none;
  color: var(--color-text);
}
.service-card__icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-2);
}
.service-card__icon svg { width: 24px; height: 24px; }
.service-card h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.5rem;
  letter-spacing: -0.01em;
}
.service-card p { color: var(--color-text-muted); font-size: var(--text-base); }
.service-card__more {
  margin-top: auto;
  font-weight: 600;
  font-size: var(--text-sm);
  color: var(--color-primary);
  display: inline-flex; align-items: center; gap: 6px;
}
.service-card:hover .service-card__more { gap: 10px; }

/* Featured (mortgage) card variant */
.service-card--featured {
  background: linear-gradient(160deg, var(--color-primary), var(--color-primary-active));
  color: var(--color-text-inverse);
  border-color: transparent;
}
.service-card--featured h3, .service-card--featured p { color: var(--color-text-inverse); }
.service-card--featured .service-card__icon {
  background: rgba(255, 255, 255, 0.15);
  color: var(--color-text-inverse);
}
.service-card--featured .service-card__more { color: var(--color-text-inverse); }
.service-card--featured:hover { background: linear-gradient(160deg, var(--color-primary-hover), var(--color-primary-active)); color: var(--color-text-inverse); }

/* ---------- Two-column block ---------- */
.two-col {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(var(--space-8), 5vw, var(--space-16));
  align-items: center;
}
@media (min-width: 880px) {
  .two-col { grid-template-columns: 1fr 1fr; }
  .two-col--reverse > :first-child { order: 2; }
}
.two-col__media {
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4 / 3;
  box-shadow: var(--shadow-md);
}
.two-col__media img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Process / Steps ---------- */
.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  counter-reset: step;
}
@media (min-width: 720px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .steps { grid-template-columns: repeat(4, 1fr); } }

.step {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  position: relative;
}
.step::before {
  counter-increment: step;
  content: '0' counter(step);
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-primary);
  font-weight: 500;
  margin-bottom: var(--space-3);
}
.step h3 { font-size: var(--text-lg); margin-bottom: var(--space-2); }
.step p { color: var(--color-text-muted); font-size: var(--text-sm); }

/* ---------- Suburbs ---------- */
.suburbs {
  background: var(--color-surface-offset);
}
.suburb-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-3);
}
@media (min-width: 600px) { .suburb-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 900px) { .suburb-grid { grid-template-columns: repeat(4, 1fr); } }
.suburb {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  font-size: var(--text-sm);
  font-weight: 500;
  display: flex; align-items: center; justify-content: space-between;
  color: var(--color-text);
  text-decoration: none;
}
.suburb:hover { border-color: var(--color-primary); color: var(--color-primary); text-decoration: none; }
.suburb svg { width: 14px; height: 14px; opacity: 0.5; }

/* ---------- Stats / value strip ---------- */
.value-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-1);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-divider);
}
.value-strip > div {
  background: var(--color-surface);
  padding: var(--space-8) var(--space-6);
}
.value-strip__num {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 500;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: var(--space-2);
}
.value-strip__label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  font-weight: 500;
}

/* ---------- Trust / feature list ---------- */
.feature-list { display: grid; gap: var(--space-4); margin-top: var(--space-6); }
.feature-list li {
  display: flex; gap: var(--space-3);
  padding: var(--space-2) 0;
  font-size: var(--text-base);
}
.feature-list .check {
  flex-shrink: 0;
  width: 24px; height: 24px;
  border-radius: var(--radius-full);
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  margin-top: 2px;
}
.feature-list .check svg { width: 14px; height: 14px; }

/* ---------- FAQ Accordion ---------- */
.faq-list { display: grid; gap: var(--space-3); }
.faq {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq summary {
  cursor: pointer;
  list-style: none;
  padding: var(--space-5) var(--space-6);
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--space-4);
  font-weight: 600;
  font-size: var(--text-base);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '';
  width: 14px; height: 14px;
  flex-shrink: 0;
  border-right: 2px solid var(--color-text-muted);
  border-bottom: 2px solid var(--color-text-muted);
  transform: rotate(45deg);
  transition: transform var(--transition-interactive);
  margin-top: -4px;
}
.faq[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.faq[open] { border-color: var(--color-primary); }
.faq__body {
  padding: 0 var(--space-6) var(--space-6);
  color: var(--color-text-muted);
  max-width: 70ch;
}
.faq__body p + p { margin-top: var(--space-3); }

/* ---------- Testimonial / quote ---------- */
.quote {
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-radius: var(--radius-xl);
  padding: clamp(var(--space-10), 6vw, var(--space-16));
  position: relative;
}
.quote::before {
  content: '"';
  position: absolute;
  top: -10px; left: 24px;
  font-family: var(--font-display);
  font-size: 7rem;
  line-height: 1;
  color: var(--color-accent);
  opacity: 0.65;
}
.quote blockquote {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 1rem + 1.6vw, 2.25rem);
  font-weight: 400;
  letter-spacing: -0.015em;
  line-height: 1.25;
  margin-bottom: var(--space-6);
  text-wrap: balance;
}
.quote cite {
  font-style: normal;
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.8);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 500;
}

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--color-text);
  color: var(--color-text-inverse);
  border-radius: var(--radius-xl);
  padding: clamp(var(--space-10), 6vw, var(--space-16));
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  align-items: center;
}
@media (min-width: 880px) { .cta-banner { grid-template-columns: 1.4fr 1fr; } }
.cta-banner h2 {
  color: var(--color-text-inverse);
  font-size: var(--text-2xl);
  margin-bottom: var(--space-4);
  font-weight: 400;
}
.cta-banner h2 em { font-style: italic; color: var(--color-accent); }
.cta-banner p { color: rgba(255, 255, 255, 0.8); margin-bottom: var(--space-6); font-size: var(--text-lg); }
.cta-banner__contact {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: grid;
  gap: var(--space-3);
}
.cta-banner__contact a {
  color: var(--color-text-inverse);
  font-size: var(--text-base);
  display: flex; align-items: center; gap: var(--space-3);
}
.cta-banner__contact a small {
  display: block;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
}
.cta-banner__contact svg {
  width: 20px; height: 20px;
  color: var(--color-accent);
  flex-shrink: 0;
}

/* ---------- Form ---------- */
.form { display: grid; gap: var(--space-5); }
.form__row { display: grid; grid-template-columns: 1fr; gap: var(--space-4); }
@media (min-width: 600px) { .form__row { grid-template-columns: 1fr 1fr; } }
.form__field { display: flex; flex-direction: column; gap: var(--space-2); }
.form__field label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
}
.form__field input, .form__field select, .form__field textarea {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0.85rem 1rem;
  font-size: var(--text-base);
  color: var(--color-text);
  width: 100%;
  font-family: inherit;
}
.form__field textarea { min-height: 120px; resize: vertical; }
.form__field input:focus, .form__field select:focus, .form__field textarea:focus {
  border-color: var(--color-primary);
  outline: none;
  box-shadow: 0 0 0 3px var(--color-primary-highlight);
}
.form__hint {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}
.form__check {
  display: flex; align-items: flex-start; gap: var(--space-3);
  font-size: var(--text-sm); color: var(--color-text-muted);
}
.form__check input { margin-top: 4px; }

/* ---------- Page header (interior pages) ---------- */
.page-header {
  padding-block: clamp(var(--space-16), 9vw, var(--space-24)) clamp(var(--space-10), 6vw, var(--space-16));
  background: var(--color-surface-offset);
  border-bottom: 1px solid var(--color-divider);
}
.page-header__inner { max-width: 880px; }
.page-header h1 {
  font-size: var(--text-3xl);
  font-weight: 400;
  letter-spacing: -0.025em;
  line-height: 1.04;
  margin-bottom: var(--space-5);
}
.page-header h1 em { font-style: italic; color: var(--color-primary); }
.page-header p { font-size: var(--text-lg); color: var(--color-text-muted); max-width: 60ch; }
.breadcrumbs {
  display: flex; align-items: center; flex-wrap: wrap; gap: var(--space-2);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: var(--space-6);
}
.breadcrumbs a { color: var(--color-text-muted); }
.breadcrumbs a:hover { color: var(--color-primary); }
.breadcrumbs span[aria-current] { color: var(--color-text); }
.breadcrumbs__sep { opacity: 0.4; }

/* ---------- Prose (long-form content) ---------- */
.prose { max-width: 70ch; }
.prose > * + * { margin-top: var(--space-5); }
.prose h2 { font-size: var(--text-xl); margin-top: var(--space-12); margin-bottom: var(--space-3); }
.prose h3 { font-size: var(--text-lg); margin-top: var(--space-8); }
.prose ul, .prose ol { padding-left: var(--space-6); }
.prose ul li, .prose ol li { margin-bottom: var(--space-2); }
.prose strong { color: var(--color-text); }

/* ---------- Side-by-side: prose + aside ---------- */
.with-aside {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(var(--space-8), 5vw, var(--space-16));
}
@media (min-width: 1000px) {
  .with-aside { grid-template-columns: 1fr 320px; }
}
.aside-card {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  position: sticky;
  top: calc(var(--space-20) + var(--space-4));
  align-self: start;
}
.aside-card h3 {
  font-size: var(--text-base);
  margin-bottom: var(--space-3);
  font-weight: 600;
}
.aside-card p { font-size: var(--text-sm); color: var(--color-text-muted); margin-bottom: var(--space-4); }
.aside-card .btn { width: 100%; }

/* ---------- Footer ---------- */
.site-footer {
  background: #0E1816;
  color: #C8CDC9;
  padding-block: var(--space-20) var(--space-10);
  margin-top: var(--space-20);
}
[data-theme='dark'] .site-footer { background: #0A1311; }
.footer__top {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  padding-bottom: var(--space-12);
  border-bottom: 1px solid #1F2C29;
}
@media (min-width: 720px) { .footer__top { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }

.footer__brand .brand__logo { width: 150px; }

.footer__brand .brand {
  color: var(--color-surface);
  width: fit-content;
  background: transparent;
  padding: 0;
  box-shadow: none;
}
.footer__brand .brand__sub { color: #8C918D; }
.footer__brand p {
  color: #8C918D;
  font-size: var(--text-sm);
  margin-top: var(--space-4);
  max-width: 36ch;
}

.footer__col h4 {
  font-size: var(--text-xs);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #8C918D;
  margin-bottom: var(--space-4);
  font-weight: 600;
  font-family: var(--font-body);
}
.footer__col ul { display: grid; gap: var(--space-3); }
.footer__col a {
  color: #C8CDC9;
  font-size: var(--text-sm);
}
.footer__col a:hover { color: #fff; text-decoration: none; }

.footer__bottom {
  margin-top: var(--space-8);
  display: flex; flex-wrap: wrap; gap: var(--space-4);
  justify-content: space-between;
  font-size: var(--text-xs);
  color: #6E746E;
}
.footer__legal { max-width: 80ch; }
.footer__legal p + p { margin-top: var(--space-2); }

/* ---------- Tag / pill ---------- */
.tag {
  display: inline-flex; align-items: center;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: var(--color-primary-highlight);
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

/* ---------- Resource cards ---------- */
.resource-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
}
@media (min-width: 720px) { .resource-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .resource-grid { grid-template-columns: repeat(3, 1fr); } }
.resource-card {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex; flex-direction: column; gap: var(--space-3);
  text-decoration: none;
  color: var(--color-text);
}
.resource-card:hover {
  border-color: var(--color-primary);
  transform: translateY(-2px);
  text-decoration: none;
}
.resource-card h3 { font-size: var(--text-lg); }
.resource-card p { color: var(--color-text-muted); font-size: var(--text-sm); }

/* ---------- Inline marquee strip (lender row) ---------- */
.lenders {
  background: var(--color-surface);
  border-block: 1px solid var(--color-divider);
}
.lenders__inner {
  display: flex; align-items: center; gap: var(--space-10);
  flex-wrap: wrap;
  padding-block: var(--space-8);
  justify-content: space-between;
}
.lenders__label {
  font-size: var(--text-xs);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  font-weight: 600;
}
.lenders__row {
  display: flex; gap: var(--space-8); align-items: center; flex-wrap: wrap;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--color-text-faint);
  letter-spacing: -0.01em;
}

/* ---------- Utility ---------- */
.divider {
  border: none;
  border-top: 1px solid var(--color-divider);
  margin: var(--space-12) 0;
}

/* ---------- "Skip to content" ---------- */
.skip-link {
  position: absolute; top: -100px; left: var(--space-4);
  background: var(--color-primary);
  color: var(--color-text-inverse);
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-md);
  z-index: 200;
}
.skip-link:focus { top: var(--space-4); }