/* GENERATED by scripts/build-legacy-css.mjs. Edit the source sheets, not this file. */
/* Fast Financial - self-hosted Latin and Latin-ext webfonts. */

/* Schibsted Grotesk variable - latin-ext */
@font-face {
  font-family: 'Schibsted Grotesk';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/SchibstedGrotesk-Variable-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* Schibsted Grotesk variable - latin */
@font-face {
  font-family: 'Schibsted Grotesk';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/SchibstedGrotesk-Variable-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* Switzer variable - Latin and Latin-ext */
@font-face {
  font-family: 'Switzer';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Switzer-Variable.woff2') format('woff2');
  unicode-range: U+0000-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1EFF, U+2000-206F, U+20A0-20C0, U+2113, U+2122, U+2191, U+2193, U+2212, U+2215, U+2C60-2C7F, U+A720-A7FF, U+FEFF, U+FFFD;
}

@font-face {
  font-family: 'Switzer';
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Switzer-VariableItalic.woff2') format('woff2');
  unicode-range: U+0000-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1EFF, U+2000-206F, U+20A0-20C0, U+2113, U+2122, U+2191, U+2193, U+2212, U+2215, U+2C60-2C7F, U+A720-A7FF, U+FEFF, U+FFFD;
}

/* Newsreader variable with optical-size axis - latin-ext */
@font-face {
  font-family: 'Newsreader';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Newsreader-Variable-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* Newsreader variable with optical-size axis - latin */
@font-face {
  font-family: 'Newsreader';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Newsreader-Variable-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* Newsreader italic variable with optical-size axis - latin-ext */
@font-face {
  font-family: 'Newsreader';
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Newsreader-VariableItalic-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* Newsreader italic variable with optical-size axis - latin */
@font-face {
  font-family: 'Newsreader';
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Newsreader-VariableItalic-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* IBM Plex Mono 400 - latin-ext */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-400-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* IBM Plex Mono 400 - latin */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-400-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* IBM Plex Mono 500 - latin-ext */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-500-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* IBM Plex Mono 500 - latin */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-500-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* IBM Plex Mono 600 - latin-ext */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* IBM Plex Mono 600 - latin */
@font-face {
  font-family: 'IBM Plex Mono';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('/fonts/IBMPlexMono-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

@layer legacy {
/* Fast Financial — Color System
 * Brand red sampled from the wordmark (#e0101a). Sophisticated cool-slate neutrals.
 * Four color-coded segment accents drive borrower-type pathways. Light-first.
 */
:root {
  /* ---- Brand red scale ---- */
  --ff-red-50:  #fff1f2;
  --ff-red-100: #ffe0e2;
  --ff-red-200: #fdc4c8;
  --ff-red-300: #f99aa1;
  --ff-red-400: #f26571;
  --ff-red-500: #e01624; /* brand */
  --ff-red-600: #c70f1d;
  --ff-red-700: #a40f1a;
  --ff-red-800: #86131b;
  --ff-red-900: #6f151c;
  --ff-red-950: #3f0508;

  /* ---- Ink / slate neutrals ---- */
  --ff-ink-950: #0a0e14;
  --ff-ink-900: #11161f;
  --ff-ink-800: #1b2230;
  --ff-ink-700: #2a3342;
  --ff-ink-600: #3d4859;
  --ff-ink-500: #5a6677;
  --ff-ink-400: #7c8898;
  --ff-ink-300: #a4aebb;
  --ff-ink-200: #cad2dc;
  --ff-ink-150: #dde3ea;
  --ff-ink-100: #e9edf2;
  --ff-ink-75:  #f1f4f7;
  --ff-ink-50:  #f6f8fa;
  --ff-ink-25:  #fafbfc;
  --ff-white:   #ffffff;

  /* ---- Segment accents (borrower pathways) ---- */
  /* Buy a Home — golden hour amber */
  --ff-buy:        #b07814;
  --ff-buy-strong: #6e4a0c;
  --ff-buy-tint:   #faf3e2;
  --ff-buy-line:   #ecdcb6;
  /* Refinance — deep teal (savings) */
  --ff-refi:        #15708f;
  --ff-refi-strong: #0b4356;
  --ff-refi-tint:   #e7f3f6;
  --ff-refi-line:   #c2dfe6;
  /* Self-Employed — indigo */
  --ff-self:        #474ba6;
  --ff-self-strong: #2a2d6b;
  --ff-self-tint:   #eeeefb;
  --ff-self-line:   #d3d4f1;
  /* Investor / DSCR — forest green (yield) */
  --ff-inv:        #2c7a50;
  --ff-inv-strong: #194a30;
  --ff-inv-tint:   #e8f4ec;
  --ff-inv-line:   #c2e2cd;

  /* ---- Functional ---- */
  --ff-positive:      #1f8a52;
  --ff-positive-tint: #e7f5ec;
  --ff-warning:       #b07814;
  --ff-warning-tint:  #faf3e2;
  --ff-info:          #15708f;

  /* =========================================================
     Semantic aliases — reference these in components
     ========================================================= */
  --color-bg:          var(--ff-white);
  --surface-page:      var(--ff-ink-50);
  --surface-card:      var(--ff-white);
  --surface-sunken:    var(--ff-ink-75);
  --surface-ink:       var(--ff-ink-950);
  --surface-ink-soft:  var(--ff-ink-900);

  --text-strong:   var(--ff-ink-900);
  --text-body:     var(--ff-ink-700);
  --text-muted:    var(--ff-ink-500);
  --text-faint:    var(--ff-ink-400);
  --text-on-ink:        var(--ff-white);
  --text-on-ink-muted:  var(--ff-ink-300);
  --text-brand:    var(--ff-red-600);

  --border-subtle: var(--ff-ink-100);
  --border:        var(--ff-ink-150);
  --border-strong: var(--ff-ink-200);
  --border-on-ink: rgba(255,255,255,.12);

  --brand:        var(--ff-red-500);
  --brand-hover:  var(--ff-red-600);
  --brand-press:  var(--ff-red-700);
  --brand-tint:   var(--ff-red-50);
  --brand-line:   var(--ff-red-100);

  --focus-ring:   color-mix(in srgb, var(--ff-red-500) 38%, transparent);
}

/* Fast Financial — Typography
 * Display: Schibsted Grotesk · UI/Body: Switzer
 * Editorial: Newsreader · Figures/data: IBM Plex Mono
 */
:root {
  --font-display: 'Schibsted Grotesk', 'Switzer', system-ui, sans-serif;
  --font-sans:    'Switzer', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-serif:   'Newsreader', Georgia, 'Times New Roman', serif;
  --font-mono:    'IBM Plex Mono', ui-monospace, 'SFMono-Regular', Menlo, monospace;

  /* ---- Type scale (rem, root = 16px) ---- */
  --text-2xs:  0.6875rem;  /* 11 */
  --text-xs:   0.75rem;    /* 12 */
  --text-sm:   0.8125rem;  /* 13 */
  --text-base: 1.0625rem;  /* 17 - default body */
  --text-md:   1rem;       /* 16 */
  --text-lg:   1.125rem;   /* 18 */
  --text-xl:   1.3125rem;  /* 21 - lead / intro */
  --text-lead: 1.3125rem;  /* 21 - lead / intro */
  --text-2xl:  1.5rem;     /* 24 */
  --text-3xl:  1.875rem;   /* 30 */
  --text-4xl:  2.375rem;   /* 38 */
  --text-5xl:  3rem;       /* 48 */
  --text-6xl:  3.75rem;    /* 60 */
  --text-7xl:  4.75rem;    /* 76 */

  /* Fluid display sizes for heroes */
  --display-sm: clamp(2.25rem, 1.3rem + 4vw, 4rem);  /* section heading */
  --display-md: clamp(2.5rem, 1.4rem + 4.4vw, 4rem); /* @kind other */
  --display-lg: clamp(3rem, 1.6rem + 6.5vw, 6.5rem); /* hero display */

  /* ---- Weights ---- */
  --weight-regular:  400;
  --weight-medium:   500;
  --weight-semibold: 600;
  --weight-bold:     700;
  --weight-extra:    800;
  --weight-black:    900;

  /* ---- Line heights ---- */
  --leading-display: 0.98;
  --leading-tight:   0.98;
  --leading-snug:    1.18;
  --leading-heading: 1.12;
  --leading-normal:  1.5;
  --leading-relaxed: 1.65;

  /* ---- Letter spacing ---- */
  --tracking-tighter: -0.03em;
  --tracking-tight:   -0.03em;
  --tracking-snug:    -0.01em;
  --tracking-normal:  0;
  --tracking-wide:    0.02em;
  --tracking-label:   0.08em;  /* eyebrow / overline */

  /* Reading measure */
  --measure-body: 64ch;
}

html {
  font-synthesis: none;
  font-optical-sizing: auto;
}

/* Fast Financial — Spacing & Layout (4px base grid) */
:root {
  --space-0:   0;
  --space-px:  1px;
  --space-1:   0.25rem;  /* 4  */
  --space-2:   0.5rem;   /* 8  */
  --space-3:   0.75rem;  /* 12 */
  --space-4:   1rem;     /* 16 */
  --space-5:   1.25rem;  /* 20 */
  --space-6:   1.5rem;   /* 24 */
  --space-7:   2rem;     /* 32 */
  --space-8:   2.5rem;   /* 40 */
  --space-9:   3rem;     /* 48 */
  --space-10:  4rem;     /* 64 */
  --space-11:  5rem;     /* 80 */
  --space-12:  6rem;     /* 96 */
  --space-14:  8rem;     /* 128 */

  /* Layout */
  --container:      1200px;
  --container-wide: 1320px;
  --container-prose: 64ch;    /* article reading measure */
  --gutter:         clamp(1.25rem, 4vw, 2.5rem);   /* @kind spacing */
  --section-y:      clamp(4rem, 8vw, 7rem); /* @kind spacing */
}

/* Fast Financial — Radii, Elevation & Motion */
:root {
  /* ---- Corner radii ---- */
  --radius-xs:   6px;
  --radius-sm:   8px;
  --radius-md:   12px;
  --radius-lg:   16px;
  --radius-xl:   20px;
  --radius-2xl:  28px;
  --radius-pill: 999px;

  /* ---- Shadows (soft, premium, cool-tinted) ---- */
  --shadow-xs:   0 1px 2px rgba(10,14,20,.06);
  --shadow-sm:   0 1px 3px rgba(10,14,20,.08), 0 1px 2px rgba(10,14,20,.04);
  --shadow-md:   0 6px 18px -6px rgba(10,14,20,.12), 0 2px 6px -2px rgba(10,14,20,.06);
  --shadow-lg:   0 20px 48px -16px rgba(10,14,20,.20), 0 8px 18px -10px rgba(10,14,20,.10);
  --shadow-xl:   0 40px 80px -24px rgba(10,14,20,.28), 0 12px 28px -12px rgba(10,14,20,.12);
  --shadow-ring: inset 0 0 0 1px rgba(10,14,20,.06);
  --shadow-brand: 0 12px 28px -10px rgba(224,22,36,.40);

  /* ---- Motion ---- */
  --ease-out:   cubic-bezier(0.22, 1, 0.36, 1);     /* @kind other */
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);    /* @kind other */
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1); /* @kind other */
  --dur-fast:   120ms; /* @kind other */
  --dur-base:   200ms; /* @kind other */
  --dur-slow:   360ms; /* @kind other */
}

/* Fast Financial — Base layer & shared utilities
 * Element defaults + a small set of layout/typography helpers used across
 * pages and components. All values reference tokens.
 */

*, *::before, *::after { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--text-base);
  line-height: var(--leading-relaxed);
  color: var(--text-body);
  background: var(--color-bg);
  font-weight: var(--weight-regular);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--text-strong);
  line-height: var(--leading-heading);
  letter-spacing: var(--tracking-tight);
  font-weight: var(--weight-bold);
  margin: 0;
  text-wrap: balance;
}

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

::selection { background: var(--ff-red-100); color: var(--ff-red-900); }

/* ---- Numeric / tabular figures ---- */
.ff-figure { font-family: var(--font-mono); font-variant-numeric: tabular-nums; letter-spacing: -0.01em; }
.tnum { font-variant-numeric: tabular-nums; }

/* ---- Layout ---- */
.ff-container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.ff-container--wide { max-width: var(--container-wide); }
.ff-section { padding-block: var(--section-y); }

/* ---- Eyebrow / overline label ---- */
.ff-eyebrow {
  font-family: var(--font-sans);
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  letter-spacing: var(--tracking-label);
  text-transform: uppercase;
  color: var(--text-brand);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

/* ---- Reading width ---- */
.ff-prose { max-width: var(--container-prose); }

/* ---- Focus visibility ---- */
:where(a, button, input, select, textarea, [tabindex]):focus-visible {
  outline: 2px solid var(--brand);
  outline-offset: 2px;
  border-radius: var(--radius-xs);
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

/* =========================================================================
   Fast Financial — Component styles
   Class-based so React primitives stay thin and hover/focus/press states work.
   Everything references tokens. Consumed via styles.css → all pages get it.
   ========================================================================= */

/* ----------------------------------------------------------------- Buttons */
.ff-btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: var(--space-2);
  font-family: var(--font-sans);
  font-weight: var(--weight-bold);
  font-size: var(--text-base);
  line-height: 1;
  letter-spacing: var(--tracking-snug);
  padding: 0 var(--space-5);
  height: 46px;
  border-radius: var(--radius-pill);
  border: 1.5px solid transparent;
  background: var(--brand);
  color: #fff;
  cursor: pointer;
  white-space: nowrap;
  transition: transform var(--dur-fast) var(--ease-out),
              background var(--dur-base) var(--ease-out),
              box-shadow var(--dur-base) var(--ease-out),
              border-color var(--dur-base) var(--ease-out),
              color var(--dur-base) var(--ease-out);
}
.ff-btn svg { width: 1.15em; height: 1.15em; }
.ff-btn:hover { transform: translateY(-1px); }
.ff-btn:active { transform: translateY(0) scale(.985); }

.ff-btn--primary { background: var(--brand); box-shadow: var(--shadow-brand); }
.ff-btn--primary:hover { background: var(--brand-hover); }
.ff-btn--primary:active { background: var(--brand-press); }

.ff-btn--secondary {
  background: var(--ff-white); color: var(--text-strong); border-color: var(--border-strong);
  box-shadow: var(--shadow-xs);
}
.ff-btn--secondary:hover { border-color: var(--ff-ink-300); background: var(--ff-ink-25); }

.ff-btn--ghost { background: transparent; color: var(--text-strong); border-color: transparent; }
.ff-btn--ghost:hover { background: var(--ff-ink-75); }

.ff-btn--ink { background: var(--ff-ink-900); color: #fff; }
.ff-btn--ink:hover { background: var(--ff-ink-800); }

/* On dark backgrounds */
.ff-btn--on-ink-secondary {
  background: rgba(255,255,255,.06); color: #fff; border-color: rgba(255,255,255,.22);
}
.ff-btn--on-ink-secondary:hover { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.4); }

.ff-btn--sm { height: 38px; font-size: var(--text-sm); padding: 0 var(--space-4); }
.ff-btn--lg { height: 56px; font-size: var(--text-lg); padding: 0 var(--space-7); }
.ff-btn--block { display: flex; width: 100%; }
.ff-btn[disabled], .ff-btn[aria-disabled="true"] {
  opacity: .45; cursor: not-allowed; box-shadow: none; transform: none;
}

/* ----------------------------------------------------------------- Badge */
.ff-badge {
  display: inline-flex; align-items: center; gap: var(--space-1);
  font-family: var(--font-sans); font-size: var(--text-xs); font-weight: var(--weight-bold);
  letter-spacing: var(--tracking-wide); text-transform: uppercase;
  padding: 4px 9px; border-radius: var(--radius-sm);
  background: var(--brand-tint); color: var(--brand-press);
  border: 1px solid var(--brand-line);
}
.ff-badge--neutral { background: var(--ff-ink-75); color: var(--text-body); border-color: var(--border); }
.ff-badge--positive { background: var(--ff-positive-tint); color: #14653b; border-color: #bfe6cd; }
.ff-badge--dot::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: currentColor; }

/* ----------------------------------------------------------------- Tag / chip */
.ff-tag {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-sm); font-weight: var(--weight-semibold);
  padding: 7px 14px; border-radius: var(--radius-pill);
  background: var(--ff-white); color: var(--text-body);
  border: 1px solid var(--border); cursor: pointer;
  transition: border-color var(--dur-base) var(--ease-out), background var(--dur-base) var(--ease-out), color var(--dur-base) var(--ease-out);
}
.ff-tag:hover { border-color: var(--ff-ink-300); }
.ff-tag[aria-pressed="true"], .ff-tag--active {
  background: var(--ff-ink-900); color: #fff; border-color: var(--ff-ink-900);
}

/* ----------------------------------------------------------------- Card */
.ff-card {
  background: var(--surface-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  padding: var(--space-7);
}
.ff-card--flat { box-shadow: none; }
.ff-card--pad-lg { padding: var(--space-8); }
.ff-card--interactive { transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base) var(--ease-out); cursor: pointer; }
.ff-card--interactive:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--border); }

/* ----------------------------------------------------------------- Stat */
.ff-stat { display: flex; flex-direction: column; gap: 6px; }
.ff-stat__value {
  font-family: var(--font-display); font-weight: var(--weight-extra);
  font-size: var(--text-4xl); line-height: 1; letter-spacing: var(--tracking-tight);
  color: var(--text-strong); font-variant-numeric: tabular-nums;
}
.ff-stat__value sup, .ff-stat__unit { font-size: .55em; font-weight: var(--weight-bold); color: var(--text-muted); }
.ff-stat__label { font-size: var(--text-sm); color: var(--text-muted); font-weight: var(--weight-medium); }
.ff-stat--on-ink .ff-stat__value { color: #fff; }
.ff-stat--on-ink .ff-stat__label { color: var(--text-on-ink-muted); }

/* ----------------------------------------------------- Pathway (segment) card */
.ff-pathway {
  position: relative; display: flex; flex-direction: column;
  background: var(--surface-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  overflow: hidden; cursor: pointer; text-align: left;
  transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base) var(--ease-out);
}
.ff-pathway::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--brand);
  transform: scaleX(1); transform-origin: left;
}
.ff-pathway:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--brand-line); }
.ff-pathway__icon {
  width: 48px; height: 48px; border-radius: var(--radius-md);
  display: grid; place-items: center; margin-bottom: var(--space-5);
  background: var(--brand-tint); color: var(--brand); border: 1px solid var(--brand-line);
}
.ff-pathway__icon svg { width: 24px; height: 24px; }
.ff-pathway__kicker { font-size: var(--text-xs); font-weight: var(--weight-bold); letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--brand); margin-bottom: var(--space-2); }
.ff-pathway__title { font-family: var(--font-display); font-size: var(--text-xl); font-weight: var(--weight-bold); color: var(--text-strong); margin-bottom: var(--space-2); }
.ff-pathway__desc { font-size: var(--text-sm); color: var(--text-muted); line-height: var(--leading-normal); margin-bottom: var(--space-5); }
.ff-pathway__cta { margin-top: auto; display: inline-flex; align-items: center; gap: var(--space-2); font-weight: var(--weight-bold); font-size: var(--text-sm); color: var(--brand); }
.ff-pathway__cta svg { width: 16px; height: 16px; transition: transform var(--dur-base) var(--ease-out); }
.ff-pathway:hover .ff-pathway__cta svg { transform: translateX(4px); }
/* accent variants — set descendant colors directly (no private custom props) */
.ff-pathway--buy::before { background: var(--ff-buy); }
.ff-pathway--buy:hover { border-color: var(--ff-buy-line); }
.ff-pathway--buy .ff-pathway__icon { background: var(--ff-buy-tint); color: var(--ff-buy); border-color: var(--ff-buy-line); }
.ff-pathway--buy .ff-pathway__kicker, .ff-pathway--buy .ff-pathway__cta { color: var(--ff-buy); }

.ff-pathway--refi::before { background: var(--ff-refi); }
.ff-pathway--refi:hover { border-color: var(--ff-refi-line); }
.ff-pathway--refi .ff-pathway__icon { background: var(--ff-refi-tint); color: var(--ff-refi); border-color: var(--ff-refi-line); }
.ff-pathway--refi .ff-pathway__kicker, .ff-pathway--refi .ff-pathway__cta { color: var(--ff-refi); }

.ff-pathway--self::before { background: var(--ff-self); }
.ff-pathway--self:hover { border-color: var(--ff-self-line); }
.ff-pathway--self .ff-pathway__icon { background: var(--ff-self-tint); color: var(--ff-self); border-color: var(--ff-self-line); }
.ff-pathway--self .ff-pathway__kicker, .ff-pathway--self .ff-pathway__cta { color: var(--ff-self); }

.ff-pathway--inv::before { background: var(--ff-inv); }
.ff-pathway--inv:hover { border-color: var(--ff-inv-line); }
.ff-pathway--inv .ff-pathway__icon { background: var(--ff-inv-tint); color: var(--ff-inv); border-color: var(--ff-inv-line); }
.ff-pathway--inv .ff-pathway__kicker, .ff-pathway--inv .ff-pathway__cta { color: var(--ff-inv); }

/* ----------------------------------------------------------------- CTA section */
.ff-cta {
  position: relative; overflow: hidden;
  background: var(--surface-ink); color: #fff;
  border-radius: var(--radius-2xl);
  padding: clamp(2.5rem, 5vw, 4.5rem);
}
.ff-cta__glow { position: absolute; width: 520px; height: 520px; border-radius: 50%;
  background: radial-gradient(circle, rgba(224,22,36,.55), transparent 62%);
  filter: blur(20px); right: -120px; top: -160px; pointer-events: none; }
.ff-cta__inner { position: relative; max-width: 640px; }
.ff-cta h2 { color: #fff; font-size: var(--display-sm); letter-spacing: var(--tracking-tight); }
.ff-cta p { color: var(--text-on-ink-muted); font-size: var(--text-lg); margin-top: var(--space-4); }
.ff-cta__actions { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-7); }

/* ----------------------------------------------------------------- Embed slot */
.ff-embed {
  display: grid; place-items: center; text-align: center; gap: var(--space-3);
  border: 1.5px dashed var(--ff-ink-300);
  border-radius: var(--radius-lg);
  background: repeating-linear-gradient(45deg, var(--ff-ink-25), var(--ff-ink-25) 12px, transparent 12px, transparent 24px), var(--ff-ink-50);
  color: var(--text-muted);
  padding: var(--space-9) var(--space-6);
}
.ff-embed--card { padding: var(--space-8) var(--space-5); }
.ff-embed__badge {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-2xs); font-weight: var(--weight-bold); letter-spacing: var(--tracking-label);
  text-transform: uppercase; color: var(--text-faint);
  padding: 4px 10px; border-radius: var(--radius-pill); background: var(--ff-white); border: 1px solid var(--border);
}
.ff-embed__icon { width: 40px; height: 40px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-white); border: 1px solid var(--border); color: var(--text-faint); }
.ff-embed__title { font-family: var(--font-display); font-weight: var(--weight-bold); font-size: var(--text-lg); color: var(--text-body); }
.ff-embed__hint { font-size: var(--text-sm); max-width: 42ch; }

/* ----------------------------------------------------------------- FAQ accordion */
.ff-faq { border-top: 1px solid var(--border); }
.ff-faq__item { border-bottom: 1px solid var(--border); }
.ff-faq__q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--space-4);
  background: none; border: 0; cursor: pointer; text-align: left;
  padding: var(--space-5) 0;
  font-family: var(--font-display); font-weight: var(--weight-semibold); font-size: var(--text-lg); color: var(--text-strong);
}
.ff-faq__icon { flex: none; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--border); color: var(--text-muted); transition: transform var(--dur-base) var(--ease-out), background var(--dur-base), color var(--dur-base); }
.ff-faq__item[data-open="true"] .ff-faq__icon { transform: rotate(45deg); background: var(--ff-ink-900); color: #fff; border-color: var(--ff-ink-900); }
.ff-faq__a { overflow: hidden; max-height: 0; transition: max-height var(--dur-slow) var(--ease-out); }
.ff-faq__item[data-open="true"] .ff-faq__a { max-height: 320px; }
.ff-faq__a-inner { padding: 0 0 var(--space-5); color: var(--text-body); max-width: 64ch; line-height: var(--leading-relaxed); }

/* ----------------------------------------------------------------- Disclosure / fine print */
.ff-disclosure {
  display: flex; gap: var(--space-3);
  background: var(--ff-ink-50); border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md); padding: var(--space-4) var(--space-5);
}
.ff-disclosure__mark { flex: none; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-ink-200); color: var(--ff-ink-700); font-size: 12px; font-weight: var(--weight-bold); }
.ff-disclosure__body { font-size: var(--text-xs); line-height: var(--leading-normal); color: var(--text-muted); }
.ff-disclosure__body strong { color: var(--text-body); font-weight: var(--weight-bold); }

/* ----------------------------------------------------------------- Comparison table */
.ff-table-wrap { border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); background: var(--surface-card); }
.ff-table { width: 100%; border-collapse: collapse; font-size: var(--text-base); }
.ff-table thead th {
  text-align: left; font-family: var(--font-sans); font-weight: var(--weight-bold);
  font-size: var(--text-xs); letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--text-muted);
  padding: var(--space-4) var(--space-5); background: var(--ff-ink-50); border-bottom: 1px solid var(--border);
}
.ff-table tbody td { padding: var(--space-4) var(--space-5); border-bottom: 1px solid var(--border-subtle); color: var(--text-body); vertical-align: top; }
.ff-table tbody tr:last-child td { border-bottom: 0; }
.ff-table tbody th { text-align: left; padding: var(--space-4) var(--space-5); border-bottom: 1px solid var(--border-subtle); color: var(--text-strong); font-weight: var(--weight-bold); }
.ff-table__num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; color: var(--text-strong); }
.ff-table tr[data-highlight="true"] { background: var(--brand-tint); }
.ff-table tr[data-highlight="true"] th, .ff-table tr[data-highlight="true"] td { color: var(--brand-press); }

/* ----------------------------------------------------------------- Trust strip */
.ff-trust { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-6) var(--space-9); }
.ff-trust__item { display: flex; flex-direction: column; gap: 2px; }
.ff-trust__value { font-family: var(--font-display); font-weight: var(--weight-extra); font-size: var(--text-2xl); color: var(--text-strong); font-variant-numeric: tabular-nums; letter-spacing: var(--tracking-tight); }
.ff-trust__label { font-size: var(--text-xs); color: var(--text-muted); font-weight: var(--weight-medium); }
.ff-stars { display: inline-flex; gap: 2px; color: #e8a23d; }
.ff-stars svg { width: 18px; height: 18px; fill: currentColor; }

/* ----------------------------------------------------------------- Header */
.ff-header {
  position: sticky; top: 0; z-index: 50;
  background: color-mix(in srgb, var(--ff-white) 82%, transparent);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid var(--border-subtle);
}
.ff-header__bar { display: flex; align-items: center; gap: var(--space-7); height: 72px; }
.ff-header__brand { display: inline-flex; align-items: center; }
.ff-header__nav { display: flex; align-items: center; gap: var(--space-6); margin-right: auto; }
.ff-header__link {
  font-size: var(--text-base); font-weight: var(--weight-semibold); color: var(--text-body);
  padding: 6px 0; position: relative; transition: color var(--dur-base) var(--ease-out);
}
.ff-header__link:hover { color: var(--text-strong); }
.ff-header__link[aria-current="page"] { color: var(--brand); }
.ff-header__actions { display: flex; align-items: center; gap: var(--space-3); }
.ff-header__call {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-weight: var(--weight-bold); font-size: var(--text-sm); color: var(--text-strong);
}
.ff-header__call svg { width: 16px; height: 16px; color: var(--brand); }
@media (max-width: 1080px) { .ff-header__nav, .ff-header__call, .ff-header__broker { display: none; } }

/* ----------------------------------------------------------------- Footer */
.ff-footer { background: var(--surface-ink); color: var(--text-on-ink-muted); padding-block: var(--space-11) var(--space-8); margin-top: var(--section-y); }
.ff-footer__top { display: grid; grid-template-columns: minmax(260px, 1fr) 2fr; gap: var(--space-10); padding-bottom: var(--space-9); }
.ff-footer__logo { filter: brightness(0) invert(1); opacity: .96; }
.ff-footer__tagline { margin-top: var(--space-5); font-size: var(--text-sm); line-height: var(--leading-normal); max-width: 34ch; color: var(--text-on-ink-muted); }
.ff-footer__marks { display: flex; align-items: center; gap: var(--space-6); margin-top: var(--space-7); }
.ff-footer__ehl { display: flex; align-items: center; gap: var(--space-2); color: #fff; }
.ff-footer__ehl svg { width: 30px; height: 30px; }
.ff-footer__ehl span { font-size: var(--text-2xs); font-weight: var(--weight-bold); line-height: 1.15; text-transform: uppercase; letter-spacing: .04em; }
.ff-footer__nmls { display: flex; flex-direction: column; padding-left: var(--space-6); border-left: 1px solid var(--border-on-ink); }
.ff-footer__nmls-label { font-size: var(--text-2xs); text-transform: uppercase; letter-spacing: var(--tracking-label); color: var(--ff-ink-400); font-weight: var(--weight-bold); }
.ff-footer__nmls-id { font-size: var(--text-lg); color: #fff; font-weight: var(--weight-semibold); }
.ff-footer__cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-6); }
.ff-footer__col { display: flex; flex-direction: column; gap: var(--space-3); }
.ff-footer__col-title { font-size: var(--text-2xs); text-transform: uppercase; letter-spacing: var(--tracking-label); color: var(--ff-ink-400); font-weight: var(--weight-bold); margin-bottom: var(--space-1); }
.ff-footer__link { font-size: var(--text-sm); color: var(--ff-ink-300); transition: color var(--dur-base) var(--ease-out); }
.ff-footer__link:hover { color: #fff; }
.ff-footer__legal { border-top: 1px solid var(--border-on-ink); padding-top: var(--space-6); display: flex; flex-direction: column; gap: var(--space-5); }
.ff-footer__disclaimer { font-size: var(--text-xs); line-height: var(--leading-normal); color: var(--ff-ink-400); max-width: 100ch; }
.ff-footer__bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--space-4); }
.ff-footer__copy { font-size: var(--text-xs); color: var(--ff-ink-400); }
.ff-footer__legal-links { display: flex; flex-wrap: wrap; gap: var(--space-5); }
.ff-footer__legal-link { font-size: var(--text-xs); color: var(--ff-ink-300); }
.ff-footer__legal-link:hover { color: #fff; }
@media (max-width: 900px) { .ff-footer__top { grid-template-columns: 1fr; } .ff-footer__cols { grid-template-columns: repeat(2, 1fr); } }

/* ----------------------------------------------------------------- Sticky mobile bar */
.ff-sticky { display: none; }
@media (max-width: 820px) {
  .ff-sticky {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 1px;
    background: var(--border); padding: 0; border-top: 1px solid var(--border);
    box-shadow: 0 -8px 24px -12px rgba(10,14,20,.25);
    padding-bottom: env(safe-area-inset-bottom, 0);
  }
  .ff-sticky__btn {
    display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 3px;
    min-height: 60px; background: var(--ff-white); color: var(--text-body);
    font-size: var(--text-2xs); font-weight: var(--weight-bold); letter-spacing: .02em;
  }
  .ff-sticky__btn svg { width: 20px; height: 20px; }
  .ff-sticky__btn--primary { background: var(--brand); color: #fff; }
}

/* ----------------------------------------------------------------- Misc layout helpers */
.ff-grid { display: grid; gap: var(--space-6); }
.ff-divider { height: 1px; background: var(--border); border: 0; margin: 0; }

/* Fast Financial — marketing site (UI kit) page-level layout.
 * Builds on the design-system tokens + component classes in ../../styles.css.
 * Only page composition lives here; primitives stay in the design system. */

.page { background: var(--color-bg); }
main { display: block; }

/* ---- Section heading block ---- */
.sec-head { max-width: 60ch; margin-bottom: var(--space-9); }
.sec-head--center { margin-inline: auto; text-align: center; }
.sec-head h2 { font-size: var(--display-sm); letter-spacing: var(--tracking-tight); }
.sec-head p { margin-top: var(--space-4); font-size: var(--text-lg); color: var(--text-muted); line-height: var(--leading-normal); }
.sec-head .ff-eyebrow { margin-bottom: var(--space-4); }

/* ---- Hero ---- */
.hero { position: relative; padding-block: clamp(3rem, 6vw, 5.5rem) clamp(3rem, 5vw, 4.5rem); overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(60% 80% at 85% -10%, rgba(224,22,36,.07), transparent 60%),
  radial-gradient(50% 60% at 0% 0%, rgba(21,112,143,.05), transparent 60%); pointer-events: none; }
.hero__grid { position: relative; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero h1 { font-size: var(--display-lg); font-weight: 800; letter-spacing: var(--tracking-tighter); line-height: 1.02; }
.hero h1 em { color: var(--brand); font-style: normal; }
.hero__lead { margin-top: var(--space-5); font-size: var(--text-xl); color: var(--text-body); line-height: var(--leading-normal); max-width: 46ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-7); }
.hero__reassure { display: flex; align-items: center; gap: var(--space-3); margin-top: var(--space-5); font-size: var(--text-sm); color: var(--text-muted); font-weight: 500; }
.hero__reassure svg { width: 16px; height: 16px; color: var(--ff-positive); }

/* ---- Snapshot card (hero visual / data-forward) ---- */
.snap { background: var(--surface-card); border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); overflow: hidden; }
.snap__head { padding: var(--space-5) var(--space-6); background:
  linear-gradient(135deg, #e8a24a 0%, #c2693a 55%, #8a3f2e 100%); color: #fff; position: relative; }
.snap__head::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent, rgba(0,0,0,.18)); }
.snap__city { position: relative; font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; opacity: .9; }
.snap__title { position: relative; font-family: var(--font-display); font-weight: 800; font-size: var(--text-xl); margin-top: 4px; letter-spacing: -0.01em; }
.snap__body { padding: var(--space-6); }
.snap__rate { display: flex; align-items: baseline; gap: var(--space-3); }
.snap__rate b { font-family: var(--font-display); font-weight: 800; font-size: var(--text-5xl); color: var(--text-strong); letter-spacing: -0.02em; line-height: 1; font-variant-numeric: tabular-nums; }
.snap__rate span { font-size: var(--text-sm); color: var(--text-muted); font-weight: 600; }
.snap__spark { margin: var(--space-5) 0; height: 56px; display: flex; align-items: flex-end; gap: 5px; }
.snap__spark i { flex: 1; background: linear-gradient(180deg, var(--ff-refi), color-mix(in srgb, var(--ff-refi) 35%, transparent)); border-radius: 3px 3px 0 0; }
.snap__rows { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4) var(--space-5); }
.snap__cell { display: flex; flex-direction: column; gap: 2px; }
.snap__cell .k { font-size: var(--text-xs); color: var(--text-muted); font-weight: 600; }
.snap__cell .v { font-family: var(--font-mono); font-size: var(--text-lg); color: var(--text-strong); font-weight: 600; font-variant-numeric: tabular-nums; }
.snap__foot { padding: var(--space-4) var(--space-6); border-top: 1px solid var(--border-subtle); font-size: var(--text-2xs); color: var(--text-faint); line-height: 1.45; }

/* ---- Trust band ---- */
.trustband { border-block: 1px solid var(--border-subtle); background: var(--surface-card); }
.trustband__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-7); padding-block: var(--space-7); flex-wrap: wrap; }

/* ---- Grids ---- */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-7); }
@media (max-width: 980px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: 1fr; } .grid-2 { grid-template-columns: 1fr; } .hero__grid { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .grid-4 { grid-template-columns: 1fr; } }

/* ---- How it works steps ---- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-7); counter-reset: step; }
.step { position: relative; }
.step__n { width: 44px; height: 44px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-900); color: #fff; font-family: var(--font-display); font-weight: 800; font-size: var(--text-lg); margin-bottom: var(--space-5); }
.step h3 { font-size: var(--text-xl); margin-bottom: var(--space-2); }
.step p { color: var(--text-muted); font-size: var(--text-base); line-height: var(--leading-normal); }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; gap: var(--space-6); } }

/* ---- Calculator teaser cards ---- */
.calc-card { display: flex; flex-direction: column; gap: var(--space-4); padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base); }
.calc-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.calc-card__icon { width: 42px; height: 42px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--brand-tint); color: var(--brand); border: 1px solid var(--brand-line); }
.calc-card__icon svg { width: 22px; height: 22px; }
.calc-card h3 { font-size: var(--text-lg); }
.calc-card__preview { display: flex; flex-direction: column; gap: 8px; margin-top: auto; }
.calc-input { display: flex; align-items: center; justify-content: space-between; padding: 9px 12px; border: 1px solid var(--border); border-radius: var(--radius-sm); background: var(--ff-ink-25); font-size: var(--text-sm); }
.calc-input .lab { color: var(--text-muted); font-weight: 500; }
.calc-input .val { font-family: var(--font-mono); color: var(--text-strong); font-weight: 600; font-variant-numeric: tabular-nums; }
.calc-card__link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: var(--text-sm); color: var(--brand); }

/* ---- Article / learn cards ---- */
.art-card { display: flex; flex-direction: column; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; background: var(--surface-card); transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out); }
.art-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.art-card__img { aspect-ratio: 16/10; }
.art-card__img.a { background: linear-gradient(150deg,#e8a24a,#b8623a 70%,#7a3b2e); }
.art-card__img.b { background: linear-gradient(150deg,#15708f,#0b4356); }
.art-card__img.c { background: linear-gradient(150deg,#474ba6,#2a2d6b); }
.art-card__body { padding: var(--space-6); display: flex; flex-direction: column; gap: var(--space-3); flex: 1; }
.art-card__tag { font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--text-brand); }
.art-card h3 { font-size: var(--text-lg); line-height: 1.25; }
.art-card__meta { margin-top: auto; font-size: var(--text-xs); color: var(--text-faint); font-weight: 500; }

/* ---- Generic info card with icon ---- */
.info { display: flex; flex-direction: column; gap: var(--space-3); }
.info__icon { width: 44px; height: 44px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-50); color: var(--text-strong); border: 1px solid var(--border); }
.info__icon svg { width: 22px; height: 22px; }
.info h3 { font-size: var(--text-lg); }
.info p { color: var(--text-muted); font-size: var(--text-base); line-height: var(--leading-normal); }

/* ---- Checklist ---- */
.checklist { display: flex; flex-direction: column; gap: var(--space-3); }
.checklist li { display: flex; gap: var(--space-3); align-items: flex-start; list-style: none; font-size: var(--text-base); color: var(--text-body); }
.checklist { padding: 0; margin: 0; }
.check { flex: none; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-positive-tint); color: #14653b; margin-top: 1px; }
.check svg { width: 13px; height: 13px; }

/* ---- Section background variants ---- */
.bg-page { background: var(--surface-page); }
.bg-ink { background: var(--surface-ink); color: #fff; }

/* ---- Eyebrow on dark ---- */
.bg-ink .ff-eyebrow { color: var(--ff-red-400); }
.bg-ink h2 { color: #fff; }

/* ---- Pill row (segment filter) ---- */
.pillrow { display: flex; flex-wrap: wrap; gap: var(--space-2); }

/* ---- Inner-page subhero (service / program / city) ---- */
.subhero { position: relative; padding-block: clamp(2.5rem, 5vw, 4rem) clamp(2rem, 3vw, 3rem); overflow: hidden; }
.subhero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(55% 70% at 88% -20%, rgba(224,22,36,.06), transparent 60%); pointer-events: none; }
.subhero__inner { position: relative; max-width: 64ch; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: var(--text-sm); color: var(--text-faint); font-weight: 600; margin-bottom: var(--space-5); }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--text-strong); }
.subhero h1 { font-size: var(--display-md); letter-spacing: var(--tracking-tighter); line-height: 1.04; }
.subhero h1 em { color: var(--brand); font-style: normal; }
.subhero__lead { margin-top: var(--space-5); font-size: var(--text-xl); color: var(--text-body); line-height: var(--leading-normal); max-width: 54ch; }
.subhero__cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-6); }

/* ---- Content + sidebar layout ---- */
.layout-aside { display: grid; grid-template-columns: minmax(0,1fr) 340px; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.aside-sticky { position: sticky; top: 96px; display: flex; flex-direction: column; gap: var(--space-5); }
@media (max-width: 940px) { .layout-aside { grid-template-columns: 1fr; } .aside-sticky { position: static; } }

/* ---- Reassurance list (sidebar) ---- */
.reassure-list { display: flex; flex-direction: column; gap: var(--space-4); padding: 0; margin: 0; }
.reassure-list li { display: flex; gap: var(--space-3); list-style: none; align-items: flex-start; }
.reassure-list .ic { flex: none; width: 36px; height: 36px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-50); border: 1px solid var(--border); color: var(--text-strong); }
.reassure-list .ic svg { width: 18px; height: 18px; }
.reassure-list .t { display: block; font-weight: 700; font-size: var(--text-sm); color: var(--text-strong); }
.reassure-list .d { display: block; font-size: var(--text-sm); color: var(--text-muted); line-height: 1.45; margin-top: 2px; }

/* ---- Stepper (funnel) ---- */
.stepper { display: flex; align-items: center; gap: var(--space-2); margin-bottom: var(--space-7); }
.stepper__dot { display: flex; align-items: center; gap: var(--space-2); font-size: var(--text-sm); font-weight: 700; color: var(--text-faint); }
.stepper__num { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-ink-100); color: var(--text-muted); font-size: var(--text-xs); }
.stepper__dot[data-on="true"] .stepper__num { background: var(--brand); color: #fff; }
.stepper__dot[data-on="true"] { color: var(--text-strong); }
.stepper__line { flex: 1; height: 2px; background: var(--border); min-width: 16px; }

/* ---- Local market stat block ---- */
.market { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.market__cell { padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); }
.market__v { font-family: var(--font-display); font-weight: 800; font-size: var(--text-3xl); color: var(--text-strong); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.market__k { font-size: var(--text-sm); color: var(--text-muted); margin-top: 4px; font-weight: 500; }
.market__t { font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--text-brand); margin-bottom: var(--space-2); }
@media (max-width: 820px) { .market { grid-template-columns: repeat(2, 1fr); } }

/* ---- Review wall ---- */
.reviews { columns: 3; column-gap: var(--space-5); }
.review { break-inside: avoid; margin-bottom: var(--space-5); padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); box-shadow: var(--shadow-xs); }
.review__stars { display: inline-flex; gap: 2px; color: #e8a23d; margin-bottom: var(--space-3); }
.review__stars svg { width: 16px; height: 16px; fill: currentColor; }
.review p { font-size: var(--text-base); color: var(--text-body); line-height: var(--leading-normal); }
.review__by { margin-top: var(--space-4); font-size: var(--text-sm); }
.review__by b { color: var(--text-strong); display: block; font-weight: 700; }
.review__by span { color: var(--text-faint); }
@media (max-width: 940px) { .reviews { columns: 2; } }
@media (max-width: 620px) { .reviews { columns: 1; } }

/* ---- Team ---- */
.team { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-6); }
.member__photo { aspect-ratio: 1; border-radius: var(--radius-lg); margin-bottom: var(--space-4); }
.member__photo.g1 { background: linear-gradient(150deg,#e8a24a,#8a3f2e); }
.member__photo.g2 { background: linear-gradient(150deg,#15708f,#0b4356); }
.member__photo.g3 { background: linear-gradient(150deg,#474ba6,#2a2d6b); }
.member__photo.g4 { background: linear-gradient(150deg,#2c7a50,#194a30); }
.member__name { font-weight: 700; font-size: var(--text-md); color: var(--text-strong); }
.member__role { font-size: var(--text-sm); color: var(--text-muted); }
.member__nmls { font-family: var(--font-mono); font-size: var(--text-xs); color: var(--text-faint); margin-top: 2px; }
@media (max-width: 820px) { .team { grid-template-columns: repeat(2, 1fr); } }

/* ---- Article reading layout ---- */
.article { font-family: var(--font-serif); }
.article > * + * { margin-top: var(--space-6); }
.article h2 { font-family: var(--font-display); font-size: var(--text-3xl); letter-spacing: -0.02em; margin-top: var(--space-9); }
.article h3 { font-family: var(--font-display); font-size: var(--text-xl); margin-top: var(--space-7); }
.article p { font-size: var(--text-xl); line-height: 1.62; color: var(--ff-ink-800); }
.article ul { padding-left: 1.2em; display: flex; flex-direction: column; gap: var(--space-2); }
.article li { font-size: var(--text-xl); line-height: 1.55; color: var(--ff-ink-800); }
.article a.inline { color: var(--brand); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }
.article blockquote { margin: var(--space-8) 0; padding-left: var(--space-6); border-left: 3px solid var(--brand); font-size: var(--text-2xl); line-height: 1.4; color: var(--text-strong); font-weight: 500; }
.byline { display: flex; align-items: center; gap: var(--space-4); padding: var(--space-5) 0; border-block: 1px solid var(--border); }
.byline__ava { width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(150deg,#15708f,#0b4356); flex: none; }
.byline__name { font-family: var(--font-sans); font-weight: 700; color: var(--text-strong); }
.byline__meta { font-family: var(--font-sans); font-size: var(--text-sm); color: var(--text-muted); }
.incard { font-family: var(--font-sans); }

/* ---- Two-up program highlights ---- */
.prog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--space-5); }
@media (max-width: 820px) { .prog-grid { grid-template-columns: 1fr; } }

/* ---- Utility ---- */
.mt-0 { margin-top: 0; }
/* Separate a standalone eyebrow from a heading that follows it directly.
   Block flow so wrapped uppercase text reserves its full height. */
.ff-eyebrow:has(+ h1.sec-head), .ff-eyebrow:has(+ h2.sec-head) { display: block; margin-bottom: var(--space-4); }
.center { text-align: center; }
.lead-muted { font-size: var(--text-lg); color: var(--text-muted); line-height: var(--leading-normal); }
.maxw-prose { max-width: var(--container-prose); }

/* Fast Financial — Elevation layer (art direction + motion)
 * Loaded AFTER site.css on every template. Pure enhancement: every page
 * renders complete and static without elevate.js. Anything kinetic is
 * double-gated behind html.elv (set by elevate.js) and prefers-reduced-motion.
 * Brand voice: modern fintech power — kinetic precision, data alive.
 */

/* ====================== 1 · Editorial type scale ====================== */
/* Oversized display headlines against the existing fine detail text. */
.hero h1 { font-size: clamp(3.2rem, 1.6rem + 5.8vw, 5.4rem); line-height: 0.98; letter-spacing: -0.035em; }
.subhero h1 { font-size: clamp(2.6rem, 1.6rem + 4.4vw, 4.3rem); line-height: 1.02; }
.sec-head h2 { font-size: clamp(2.05rem, 1.3rem + 2.6vw, 3.25rem); line-height: 1.05; }
.ff-cta h2 { font-size: clamp(2.1rem, 1.5rem + 2.6vw, 3.3rem); }
.hero__lead, .subhero__lead { text-wrap: pretty; }

/* Precision tick before eyebrow labels — fine detail against big display type */
.ff-eyebrow::before {
  content: ""; display: inline-block; flex: none;
  width: 18px; height: 2px; border-radius: 1px;
  background: currentColor; opacity: 0.45;
  margin-right: 8px; vertical-align: middle;
}

/* ====================== 2 · Hero / subhero atmosphere ================= */
/* Layered depth: brand wash + a fading precision grid (charting paper). */
.hero::before { background:
  radial-gradient(58% 76% at 86% -12%, rgba(224, 22, 36, .09), transparent 62%),
  radial-gradient(46% 60% at 0% -6%, rgba(21, 112, 143, .06), transparent 60%); }
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image:
    linear-gradient(to bottom, var(--ff-ink-100) 1px, transparent 1px),
    linear-gradient(to right, var(--ff-ink-100) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(80% 120% at 78% -12%, rgba(0, 0, 0, .5), transparent 70%);
  mask-image: radial-gradient(80% 120% at 78% -12%, rgba(0, 0, 0, .5), transparent 70%);
}
.hero__grid { z-index: 1; }

.subhero::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image:
    linear-gradient(to bottom, var(--ff-ink-100) 1px, transparent 1px),
    linear-gradient(to right, var(--ff-ink-100) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(60% 110% at 92% -10%, rgba(0, 0, 0, .4), transparent 70%);
  mask-image: radial-gradient(60% 110% at 92% -10%, rgba(0, 0, 0, .4), transparent 70%);
}
.subhero__inner { z-index: 1; }

/* ====================== 3 · Snapshot card (hero media) ================ */
.snap {
  border-radius: calc(var(--radius-xl) + 4px);
  box-shadow: 0 0 0 1px rgba(10, 14, 20, .035), inset 0 1px 0 rgba(255, 255, 255, .85), var(--shadow-xl);
}
.snap__spark { position: relative; overflow: hidden; }

@media (prefers-reduced-motion: no-preference) {
  /* bars rise like a live chart filling in */
  html.elv .snap__spark i { transform-origin: bottom; animation: elv-bar .85s var(--ease-out) both; }
  html.elv .snap__spark i:nth-child(1)  { animation-delay: .50s; }
  html.elv .snap__spark i:nth-child(2)  { animation-delay: .56s; }
  html.elv .snap__spark i:nth-child(3)  { animation-delay: .62s; }
  html.elv .snap__spark i:nth-child(4)  { animation-delay: .68s; }
  html.elv .snap__spark i:nth-child(5)  { animation-delay: .74s; }
  html.elv .snap__spark i:nth-child(6)  { animation-delay: .80s; }
  html.elv .snap__spark i:nth-child(7)  { animation-delay: .86s; }
  html.elv .snap__spark i:nth-child(8)  { animation-delay: .92s; }
  html.elv .snap__spark i:nth-child(9)  { animation-delay: .98s; }
  html.elv .snap__spark i:nth-child(10) { animation-delay: 1.04s; }
  /* periodic data-refresh sweep across the chart */
  html.elv .snap__spark::after {
    content: ""; position: absolute; inset: 0; transform: translateX(-120%);
    background: linear-gradient(100deg, transparent 32%, rgba(255, 255, 255, .6) 50%, transparent 68%);
    animation: elv-scan 7.5s var(--ease-in-out) 3.4s infinite;
  }
}
@keyframes elv-bar { from { transform: scaleY(.06); } }
@keyframes elv-scan {
  0% { transform: translateX(-120%); }
  24% { transform: translateX(120%); }
  100% { transform: translateX(120%); }
}

/* ====================== 4 · Buttons (CTA prominence) ================== */
.ff-btn--primary {
  position: relative; overflow: hidden;
  box-shadow: 0 14px 30px -10px rgba(224, 22, 36, .45), 0 2px 6px -2px rgba(224, 22, 36, .30);
}
.ff-btn--primary::after {
  content: ""; position: absolute; inset: 0; border-radius: inherit; pointer-events: none;
  background: linear-gradient(105deg, transparent 40%, rgba(255, 255, 255, .30) 50%, transparent 60%);
  transform: translateX(-130%);
}
.ff-btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 38px -10px rgba(224, 22, 36, .55), 0 3px 8px -2px rgba(224, 22, 36, .30);
}
.ff-btn--primary:hover::after { transform: translateX(130%); transition: transform .7s var(--ease-out); }

/* ====================== 5 · Cards & tables ============================ */
.ff-pathway::before { transition: height var(--dur-base) var(--ease-out); }
.ff-pathway:hover::before { height: 7px; }
.ff-pathway:hover { transform: translateY(-5px); }

.calc-card:hover, .art-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.art-card__img { position: relative; overflow: hidden; }
.art-card__img::after {
  content: ""; position: absolute; inset: 0; transform: translateX(-130%);
  background: linear-gradient(120deg, transparent 45%, rgba(255, 255, 255, .18) 55%, transparent 65%);
}
.art-card:hover .art-card__img::after { transform: translateX(130%); transition: transform .8s var(--ease-out); }

.review { transition: box-shadow var(--dur-base) var(--ease-out), transform var(--dur-base) var(--ease-out); }
.review:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.market__cell { transition: box-shadow var(--dur-base) var(--ease-out), transform var(--dur-base) var(--ease-out), border-color var(--dur-base); }
.market__cell:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }

.ff-table tbody tr { transition: background var(--dur-fast) linear; }
.ff-table tbody tr:not([data-highlight="true"]):hover { background: var(--ff-ink-25); }

/* ====================== 6 · Process connector ========================= */
@media (min-width: 821px) {
  .step::after {
    content: ""; position: absolute; top: 21px; left: 56px; right: 12px; height: 2px;
    background: linear-gradient(90deg, var(--ff-ink-150), var(--ff-ink-100) 80%, transparent);
  }
  .step:last-child::after { display: none; }
}

/* ====================== 7 · Header depth on scroll ==================== */
.ff-header { transition: box-shadow .35s var(--ease-out), background .35s var(--ease-out); }
html.elv-scrolled .ff-header {
  background: color-mix(in srgb, var(--ff-white) 94%, transparent);
  box-shadow: 0 12px 32px -24px rgba(10, 14, 20, .40);
}

/* ====================== 8 · CTA section =============================== */
.ff-cta { box-shadow: var(--shadow-xl); }
.ff-cta::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 56px 56px;
  -webkit-mask-image: radial-gradient(70% 130% at 88% -10%, black, transparent 72%);
  mask-image: radial-gradient(70% 130% at 88% -10%, black, transparent 72%);
}
.ff-cta__inner { z-index: 1; }
@media (prefers-reduced-motion: no-preference) {
  html.elv .ff-cta__glow { animation: elv-breathe 7s var(--ease-in-out) infinite alternate; }
}
@keyframes elv-breathe {
  from { opacity: .78; transform: scale(1); }
  to { opacity: 1; transform: scale(1.12); }
}

/* ====================== 9 · Scroll reveals ============================ */
/* Hidden states exist ONLY when elevate.js has confirmed IO support and
   motion is allowed (html.elv). No JS or reduced motion → fully static. */
@media (prefers-reduced-motion: no-preference) {
  html.elv [data-elv] { opacity: 0; transform: translateY(26px); }
  html.elv .snap[data-elv] { transform: translateY(34px) scale(.975); }
  html.elv .ff-cta[data-elv] { transform: translateY(30px) scale(.99); }
  html.elv [data-elv].elv-in {
    opacity: 1; transform: none;
    transition: opacity .8s var(--ease-out) var(--elv-d, 0ms),
                transform .8s var(--ease-out) var(--elv-d, 0ms);
  }

  /* Commissioned section photography settles into place instead of sharing
     the generic rise. The scale is deliberately slight so intrinsic crops and
     the established section rhythm do not change. */
  html.elv img.ff-section-image[data-elv],
  html.elv img.storyimg[data-elv],
  html.elv img.art-hero__cover[data-elv] {
    transform: translateY(18px) scale(1.03);
    transform-origin: 50% 50%;
  }
  html.elv img.ff-section-image[data-elv].elv-in,
  html.elv img.storyimg[data-elv].elv-in,
  html.elv img.art-hero__cover[data-elv].elv-in {
    transform: none;
  }
}
/* Mobile: shorter, cheaper variants */
@media (prefers-reduced-motion: no-preference) and (max-width: 820px) {
  html.elv [data-elv] { transform: translateY(14px); }
  html.elv .snap[data-elv] { transform: translateY(16px); }
  html.elv [data-elv].elv-in { transition-duration: .5s, .5s; }
  html.elv img.ff-section-image[data-elv],
  html.elv img.storyimg[data-elv],
  html.elv img.art-hero__cover[data-elv] { transform: translateY(10px) scale(1.03); }
  html.elv img.ff-section-image[data-elv].elv-in,
  html.elv img.storyimg[data-elv].elv-in,
  html.elv img.art-hero__cover[data-elv].elv-in { transform: none; }
}
/* Print: everything visible, no transforms */
@media print {
  html.elv [data-elv] { opacity: 1 !important; transform: none !important; }
  .elv-ratewire { display: none !important; }
}
/* Watchdog fallback: embeddings where CSS transitions/animations never
   advance (elevate.js adds .elv-static after probing) — show everything. */
html.elv-static [data-elv] { opacity: 1 !important; transform: none !important; transition: none !important; }
html.elv-static .snap__spark i,
html.elv-static .snap__spark::after,
html.elv-static .ff-cta__glow,
html.elv-static .elv-ratewire .w-halo { animation: none !important; }
html.elv-static .snap__spark i { transform: none !important; }

/* ====================== 10 · Signature: the rate wire ================= */
/* A thin rate line drawn across the hero floor — the decision engine
   driving a rate down and to the right, ending in a live pulse. */
.elv-ratewire {
  position: absolute; left: 0; bottom: -2px; width: 100%; height: 56%;
  pointer-events: none; z-index: 0;
}
html.elv .hero .elv-ratewire { transform: translate3d(0, calc(var(--elv-py, 0) * 1px), 0); }
.elv-ratewire .w-area { opacity: 0; transition: opacity 1.6s var(--ease-out) .8s; }
.elv-ratewire.elv-draw .w-area { opacity: 1; }
.elv-ratewire .w-line { fill: none; stroke-width: 2; }
.elv-ratewire .w-dot { fill: var(--ff-red-500); opacity: 0; }
.elv-ratewire.elv-draw .w-dot { opacity: 1; }
.elv-ratewire .w-halo {
  fill: none; stroke: var(--ff-red-500); stroke-width: 2; opacity: 0;
  transform-box: fill-box; transform-origin: center;
}
@media (prefers-reduced-motion: no-preference) {
  html.elv .elv-ratewire.elv-settled .w-halo { animation: elv-halo 3s var(--ease-out) infinite; }
}
@keyframes elv-halo {
  0% { opacity: .5; transform: scale(.5); }
  70% { opacity: 0; transform: scale(2.4); }
  100% { opacity: 0; transform: scale(2.4); }
}
@media (max-width: 740px) { .elv-ratewire { display: none; } }

/* ====================== 11 · Premium interaction layer ================ */
/* Pointer-reactive depth on the key cards + magnetic CTAs + a cursor-follow
   gloss on the hero snapshot. All transform/opacity only, double-gated behind
   html.elv + reduced-motion, and desktop-only (elevate.js skips coarse pointers
   and narrow viewports). Idle state is identical to the static page. */

/* -- Arrow & icon micro-nudges (cheap, expected on a high-end CTA) -- */
@media (prefers-reduced-motion: no-preference) {
  .ff-btn svg { transition: transform .25s var(--ease-out); }
  .ff-btn:hover svg { transform: translateX(3px); }
  .ff-pathway__cta svg { transition: transform .3s var(--ease-out); }
  .ff-pathway:hover .ff-pathway__cta svg { transform: translateX(5px); }
  .calc-card__link { transition: transform .3s var(--ease-out); }
  .calc-card:hover .calc-card__link { transform: translateX(3px); }
  .ff-pathway__icon, .calc-card__icon { transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out); }
  .ff-pathway:hover .ff-pathway__icon,
  .calc-card:hover .calc-card__icon { transform: translateY(-3px) scale(1.07); }
}

/* -- Pointer tilt on pathway / calc / article cards + hero snapshot -- */
@media (prefers-reduced-motion: no-preference) and (min-width: 821px) {
  html.elv .elv-tilt {
    transition: transform .22s var(--ease-out), box-shadow .3s var(--ease-out);
    transform-origin: center;
  }
  html.elv .ff-pathway.elv-tilt:hover {
    transform: perspective(1100px) rotateX(var(--rx, 0deg)) rotateY(var(--ry, 0deg)) translateY(-6px);
    box-shadow: var(--shadow-xl);
  }
  html.elv .calc-card.elv-tilt:hover,
  html.elv .art-card.elv-tilt:hover {
    transform: perspective(1100px) rotateX(var(--rx, 0deg)) rotateY(var(--ry, 0deg)) translateY(-5px);
    box-shadow: var(--shadow-xl);
  }
  html.elv .snap.elv-tilt:hover {
    transform: perspective(1400px) rotateX(var(--rx, 0deg)) rotateY(var(--ry, 0deg));
  }

  /* one-pass diagonal sheen on hover (same gloss language as the buttons) */
  .elv-sheen { position: absolute; inset: 0; border-radius: inherit; overflow: hidden; pointer-events: none; z-index: 2; }
  .elv-sheen::before {
    content: ""; position: absolute; top: -30%; left: -65%; width: 42%; height: 160%;
    background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .5), transparent);
    transform: skewX(-12deg); opacity: 0;
  }
  html.elv .elv-tilt:hover .elv-sheen::before { animation: elv-cardsheen .9s var(--ease-out); }
  @keyframes elv-cardsheen {
    0% { left: -65%; opacity: 0; }
    25% { opacity: .85; }
    100% { left: 150%; opacity: 0; }
  }

  /* cursor-follow gloss on the hero snapshot (its showpiece moment) */
  .elv-gloss {
    position: absolute; inset: 0; border-radius: inherit; pointer-events: none; z-index: 3;
    opacity: 0; transition: opacity .4s var(--ease-out); mix-blend-mode: soft-light;
    background: radial-gradient(320px circle at var(--mx, 50%) var(--my, 50%), rgba(255, 255, 255, .45), transparent 60%);
  }
  html.elv .snap.elv-tilt:hover .elv-gloss { opacity: 1; }
}

/* -- Magnetic primary/secondary CTAs (large buttons only) -- */
@media (prefers-reduced-motion: no-preference) and (min-width: 821px) {
  html.elv .ff-btn.elv-mag { transition: transform .18s var(--ease-out), box-shadow .3s var(--ease-out); }
  html.elv .ff-btn.elv-mag:hover { transform: translate3d(var(--mgx, 0), var(--mgy, 0), 0); }
}

/* -- Process connector lines wipe in as the steps reveal -- */
@media (prefers-reduced-motion: no-preference) and (min-width: 821px) {
  html.elv .step::after { transform: scaleX(0); transform-origin: left center; }
  html.elv .step.elv-in::after {
    transform: scaleX(1);
    transition: transform .7s var(--ease-out) calc(var(--elv-d, 0ms) + .22s);
  }
}

/* -- Eyebrow precision tick draws out as its block reveals -- */
@media (prefers-reduced-motion: no-preference) {
  html.elv [data-elv] .ff-eyebrow::before,
  html.elv .ff-eyebrow[data-elv]::before { width: 0; opacity: 0; }
  html.elv [data-elv].elv-in .ff-eyebrow::before,
  html.elv .ff-eyebrow[data-elv].elv-in::before {
    width: 18px; opacity: .45;
    transition: width .6s var(--ease-out) calc(var(--elv-d, 0ms) + .12s),
                opacity .6s ease calc(var(--elv-d, 0ms) + .12s);
  }
}

/* Static-fallback resets for the new reveal-gated states */
html.elv-static .step::after { transform: none !important; }
html.elv-static .ff-eyebrow::before { width: 18px !important; opacity: .45 !important; }
html.elv-static .elv-sheen, html.elv-static .elv-gloss { display: none !important; }

/* Section-heading rule sweeps in with the heading. It remains fully drawn in
   the no-JS and reduced-motion paths. */
.sec-head::after,
h2.sec-head::after {
  content: "";
  display: block;
  width: 3rem;
  height: 2px;
  margin-top: 1.15rem;
  background: var(--brand);
  transform-origin: left center;
}
@media (prefers-reduced-motion: no-preference) {
  html.elv .sec-head[data-elv]::after,
  html.elv h2.sec-head[data-elv]::after { transform: scaleX(0); }
  html.elv .sec-head[data-elv].elv-in::after,
  html.elv h2.sec-head[data-elv].elv-in::after {
    transform: scaleX(1);
    transition: transform .65s var(--ease-out) calc(var(--elv-d, 0ms) + .18s);
  }
}
html.elv-static .sec-head::after,
html.elv-static h2.sec-head::after { transform: none !important; transition: none !important; }

/* ====================== 12 · FF-DESIGN-1 surface overhaul ============ */
/* The page structure and copy remain intact. This layer gives the existing
   system a wider typographic register, tactile surfaces, and calmer rhythm. */

:root {
  --ff-paper: #fafbfc;
  --ff-paper-deep: #f1f4f7;
  --ff-slate: #2a3342;
  --ff-red-deep: #a40f1a;
  --section-y: clamp(5.25rem, 8vw, 8rem);
}

body {
  background: var(--ff-paper);
  background-image:
    radial-gradient(circle at 12% 8%, rgba(224, 22, 36, .025), transparent 28rem),
    linear-gradient(rgba(42, 51, 66, .018) 1px, transparent 1px);
  background-size: auto, 100% 40px;
}

/* Keep iOS overscroll and the safe-area below the fixed mobile actions on the
   same dark surface as the document's final footer. The sticky-bar clearance
   belongs inside that footer, never as light body padding below it. */
html { background-color: var(--surface-ink, #0a0e14); }
body.page { padding-bottom: 0; }
.funnel-foot {
  background: var(--surface-ink, #0a0e14) !important;
  border-top-color: var(--border-on-ink) !important;
  padding-bottom: calc(var(--space-7) + env(safe-area-inset-bottom, 0px)) !important;
}
.funnel-foot .ff-footer__disclaimer { color: var(--ff-ink-400) !important; }

@media (max-width: 820px) {
  body.page { padding-bottom: 0 !important; }
  .ff-footer {
    padding-bottom: calc(var(--space-8) + 60px + env(safe-area-inset-bottom, 0px));
  }
}

/* Type has distinct jobs: Schibsted states, Newsreader explains, Hanken guides,
   IBM Plex Mono carries every number. */
.hero h1,
.subhero h1,
.cityhero h1,
.art-hero h1,
.funnel-wrap h1 { font-family: var(--font-display); }

.sec-head h2,
h2.sec-head,
.ff-cta h2,
.page-sections--about .creds h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  letter-spacing: -.035em;
}

.sec-head h2,
h2.sec-head { font-size: clamp(2.35rem, 1.45rem + 2.8vw, 3.65rem); line-height: 1.02; }
.ff-cta h2 { font-size: clamp(2.45rem, 1.6rem + 2.8vw, 3.75rem); line-height: 1; }
.hero h1 { font-size: clamp(3.3rem, 1.55rem + 5.9vw, 5.4rem); }
.subhero h1 { font-size: clamp(2.8rem, 1.65rem + 4.5vw, 4.5rem); }
.hero__lead, .subhero__lead { font-size: clamp(1.15rem, 1.02rem + .5vw, 1.35rem); }

.snap__rate b,
.snap__cell .v,
.ff-trust__value,
.ff-stat__value,
.market__v,
.ff-table__num,
.calc-input .val,
.result-big,
.legend__val,
.member__nmls,
.ff-figure { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

.article,
.article p,
.article li { font-family: var(--font-serif); }
.article p, .article li { font-size: clamp(1.16rem, 1.08rem + .25vw, 1.3rem); }
.article h2 { font-family: var(--font-serif); font-weight: 600; font-size: clamp(2rem, 1.5rem + 1.6vw, 2.7rem); }
.article h3 { font-family: var(--font-sans); }
.review p { font-family: var(--font-serif); font-size: var(--text-lg); line-height: 1.52; }

/* Wide screens get a coordinated upper range. Floors match the old computed
   values at 1440px, while decorative figures stay below real headings. */
@media (min-width: 1440px) {
  .page-sections .hero h1 { font-size: clamp(5.4rem, calc(2.7rem + 3vw), 7rem); }
  .page-sections .subhero h1,
  .page-sections .cityhero h1,
  .page-sections .art-hero h1 { font-size: clamp(4.3rem, calc(2.5rem + 2vw), 6rem); }
  .page-sections .sec-head h2,
  .page-sections h2.sec-head { font-size: clamp(3.25rem, calc(.55rem + 3vw), 4.75rem); }
  .page-sections .hero__lead,
  .page-sections .subhero__lead { font-size: clamp(1.25rem, calc(.69rem + .62vw), 1.5rem); }
  .step__n,
  .market__v,
  .ff-stat__value { font-size: clamp(2.4rem, 1.8rem + .7vw, 3rem); }
}

/* Shader hosts. The static CSS layer is also the no-WebGL fallback. */
.hero--shader,
.subhero--shader,
.cityhero--shader,
.funnel-wrap--shader {
  position: relative;
  isolation: isolate;
  overflow: hidden;
}

.hero-shader {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
  background:
    radial-gradient(70% 90% at 82% 18%, rgba(224, 22, 36, .6), transparent 68%),
    radial-gradient(72% 90% at 55% 100%, rgba(42, 51, 66, .42), transparent 72%),
    #fafbfc;
}

.hero-shader::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 2;
  background:
    linear-gradient(102deg, rgba(250, 251, 252, .96) 0%, rgba(250, 251, 252, .84) 34%, rgba(250, 251, 252, .32) 64%, rgba(250, 251, 252, .08) 100%),
    radial-gradient(65% 94% at 18% 44%, rgba(250, 251, 252, .78), transparent 100%);
}

.hero-shader__renderer,
.hero-shader__canvas,
.hero-shader__static,
.hero-shader__canvas canvas {
  position: absolute !important;
  inset: 0;
  width: 100% !important;
  height: 100% !important;
}

.hero-shader__renderer { z-index: 1; }
.hero-shader__static--warp {
  background:
    radial-gradient(70% 92% at 82% 12%, rgba(224, 22, 36, .82), transparent 65%),
    radial-gradient(72% 95% at 58% 105%, rgba(42, 51, 66, .62), transparent 70%),
    radial-gradient(48% 70% at 100% 75%, rgba(164, 15, 26, .6), transparent 68%),
    #fafbfc;
}
.hero-shader__static--swirl {
  background:
    conic-gradient(from 205deg at 82% 48%, #fafbfc, #e01624, #a40f1a, #2a3342, #f1f4f7, #fafbfc);
}

@media (prefers-reduced-motion: reduce) {
  .hero-shader,
  .hero-shader * { animation: none !important; transition: none !important; }
}

/* Hero composition: atmosphere with anchored, readable content. */
.hero--shader {
  min-height: min(790px, calc(100svh - 74px));
  display: flex;
  align-items: center;
  padding-block: clamp(4rem, 7vw, 7rem);
  border-bottom: 1px solid rgba(42, 51, 66, .12);
}
.hero--shader::before,
.hero--shader::after { display: none; }
.hero--shader .hero__grid { z-index: 3; }
.hero--shader .hero__grid > :first-child { max-width: 47rem; }
.hero--shader h1 { max-width: 12ch; text-wrap: balance; }
.hero--shader .snap {
  transform: rotate(1.2deg);
  border-color: rgba(250, 251, 252, .7);
  box-shadow: 0 42px 90px -36px rgba(42, 51, 66, .65);
  background: rgba(250, 251, 252, .94);
  backdrop-filter: blur(12px);
}
.hero--shader .snap__head {
  background: #2a3342;
  border-bottom: 3px solid #e01624;
}

.subhero--shader {
  min-height: clamp(520px, 58vw, 670px);
  display: flex;
  align-items: center;
  padding-block: clamp(4.5rem, 8vw, 7rem);
  border-bottom: 1px solid rgba(42, 51, 66, .12);
}
.subhero--shader::before,
.subhero--shader::after { display: none; }
.subhero--shader .subhero__inner { z-index: 3; max-width: 76rem; }
.subhero--shader h1 { max-width: 12ch; }
.subhero--shader .subhero__lead { max-width: 40rem; }

.cityhero--shader {
  min-height: 590px;
  display: flex;
  align-items: center;
  padding: clamp(3rem, 7vw, 6.5rem) !important;
  background: #fafbfc !important;
  border: 1px solid rgba(42, 51, 66, .12);
  box-shadow: 0 36px 80px -54px rgba(42, 51, 66, .75);
}
.cityhero--shader::after { display: none !important; }
.cityhero--shader .cityhero__in { z-index: 3; max-width: 47rem; }
.cityhero--shader h1 { color: #11161f !important; max-width: 12ch; }
.cityhero--shader p { color: #2a3342 !important; max-width: 38rem; }
.cityhero--shader .ff-eyebrow { color: #a40f1a !important; }
.cityhero--shader .ff-btn--on-ink-secondary {
  color: #11161f;
  background: rgba(250, 251, 252, .72);
  border-color: rgba(42, 51, 66, .28);
}

.funnel-wrap--shader {
  min-height: 780px;
  padding: clamp(3rem, 5vw, 5rem);
  margin-block: clamp(1.5rem, 3vw, 3rem);
  border: 1px solid rgba(42, 51, 66, .12);
  border-radius: 28px;
  box-shadow: 0 36px 90px -60px rgba(42, 51, 66, .7);
}
.funnel-wrap--shader .hero-shader { border-radius: inherit; }
.funnel-wrap--shader > :not(.hero-shader) { position: relative; z-index: 3; }
.funnel-wrap--shader .hero-shader::after {
  background: linear-gradient(100deg, rgba(250, 251, 252, .97) 0%, rgba(250, 251, 252, .9) 55%, rgba(250, 251, 252, .68) 100%);
}
.funnel-wrap--shader .segopt,
.funnel-wrap--shader .ff-card,
.funnel-wrap--shader .ff-embed { backdrop-filter: blur(14px); background-color: rgba(250, 251, 252, .86); }

/* Header and chrome feel less like a template rail. */
.ff-header {
  background: rgba(250, 251, 252, .88);
  border-bottom-color: rgba(42, 51, 66, .1);
  backdrop-filter: blur(18px) saturate(1.1);
}
.ff-header__inner { min-height: 74px; }
.ff-header__brand { flex: none; }  /* never let the header row shrink the logo to 0 (2026-08-16) */
.ff-header__brand img { height: 42px !important; width: auto !important; max-width: none !important; }
@media (max-width: 640px) { .ff-header__brand img { height: 34px !important; } }
.ff-header__nav a {
  letter-spacing: -.01em;
  text-underline-offset: 8px;
  transition: color .2s var(--ease-out), transform .2s var(--ease-out);
}
.ff-header__nav a:hover { transform: translateY(-1px); }

/* Section rhythm alternates paper depth rather than flat white/gray bands. */
.ff-section {
  position: relative;
  border-top: 1px solid rgba(42, 51, 66, .055);
}
.ff-section.bg-page {
  background:
    radial-gradient(80% 100% at 100% 0%, rgba(224, 22, 36, .025), transparent 62%),
    #f1f4f7;
}
.sec-head { max-width: 54rem; margin-bottom: clamp(2.5rem, 5vw, 4.5rem); }
.sec-head p { max-width: 58ch; font-size: clamp(1.08rem, 1rem + .25vw, 1.22rem); }
.ff-eyebrow { font-family: var(--font-mono); font-weight: 600; }
.ff-eyebrow::before { width: 28px; height: 1px; opacity: .7; }

/* Four paths become a varied editorial set without changing order or copy. */
.page-sections--home #pathways .grid-4 {
  grid-template-columns: 1.15fr .85fr .85fr 1.15fr;
  gap: clamp(1rem, 1.7vw, 1.75rem);
}
.ff-pathway {
  min-height: 330px;
  padding: clamp(1.5rem, 2.2vw, 2rem);
  border: 0;
  border-top: 4px solid var(--brand);
  border-radius: 8px 8px 24px 24px;
  box-shadow: 0 18px 50px -42px rgba(42, 51, 66, .75);
}
.ff-pathway--buy { background: var(--ff-buy-tint); border-top-color: var(--ff-buy); }
.ff-pathway--refi { background: var(--ff-refi-tint); border-top-color: var(--ff-refi); margin-top: 2.5rem; }
.ff-pathway--self { background: var(--ff-self-tint); border-top-color: var(--ff-self); margin-top: 2.5rem; }
.ff-pathway--inv { background: var(--ff-inv-tint); border-top-color: var(--ff-inv); }
.ff-pathway::before { display: none; }
.ff-pathway__icon { border-radius: 50%; background: rgba(250, 251, 252, .68) !important; }
.ff-pathway__title { font-family: var(--font-serif); font-size: clamp(1.65rem, 1.3rem + .65vw, 2.05rem); font-weight: 600; }
.ff-pathway__desc { font-size: var(--text-md); }

/* app/layout links the preserved legacy cascade after the Next stylesheet;
   keep the new surfaces authoritative without touching the rollback files. */
.page-sections .ff-pathway {
  min-height: 330px;
  border: 0;
  border-top: 4px solid var(--brand);
  border-radius: 8px 8px 24px 24px;
  padding: clamp(1.5rem, 2.2vw, 2rem);
}
.page-sections .ff-pathway--buy { background: var(--ff-buy-tint); border-top-color: var(--ff-buy); }
.page-sections .ff-pathway--refi { background: var(--ff-refi-tint); border-top-color: var(--ff-refi); }
.page-sections .ff-pathway--self { background: var(--ff-self-tint); border-top-color: var(--ff-self); }
.page-sections .ff-pathway--inv { background: var(--ff-inv-tint); border-top-color: var(--ff-inv); }

/* Process is a single-screen, ordinary-flow editorial timeline. */
.steps { gap: 0; border-block: 1px solid var(--border); }
.step {
  min-height: 300px;
  padding: clamp(2rem, 4vw, 3.5rem);
  border-right: 1px solid var(--border);
  background: rgba(250, 251, 252, .5);
}
.step:last-child { border-right: 0; }
.step__n {
  width: auto;
  height: auto;
  display: block;
  color: #a40f1a;
  background: transparent;
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 4vw, 3rem);
  font-weight: 400;
  line-height: .8;
}
.step h3 { font-family: var(--font-serif); font-size: clamp(1.45rem, 1.2rem + .5vw, 1.8rem); font-weight: 600; }
.step p { font-size: var(--text-md); max-width: 32ch; }
.page-sections .steps .step {
  min-height: 300px;
  padding: clamp(2rem, 4vw, 3.5rem);
  border-right: 1px solid var(--border);
  background: rgba(250, 251, 252, .5);
}
.page-sections .steps .step:last-child { border-right: 0; }
.page-sections .steps .step__n {
  width: auto;
  height: auto;
  display: block;
  color: #a40f1a;
  background: transparent;
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 4vw, 3rem);
  font-weight: 400;
  line-height: .8;
}
.page-sections .steps .step h3 {
  font-family: var(--font-serif);
  font-size: clamp(1.45rem, 1.2rem + .5vw, 1.8rem);
  font-weight: 600;
}

/* Data surfaces: fewer floating white cards, more integrated instruments. */
.calc-card {
  min-height: 300px;
  border: 0;
  border-radius: 8px 8px 22px 22px;
  background: #f1f4f7;
  box-shadow: inset 0 1px rgba(250, 251, 252, .9);
}
.calc-card:nth-child(even) { background: #fafbfc; border-top: 1px solid #cad2dc; }
.page-sections .calc-card {
  min-height: 300px;
  border: 0;
  border-radius: 8px 8px 22px 22px;
  background: #f1f4f7;
  box-shadow: inset 0 1px rgba(250, 251, 252, .9);
}
.page-sections .calc-card:nth-child(even) { background: #fafbfc; border-top: 1px solid #cad2dc; }
.calc-input { background: rgba(250, 251, 252, .74); border-color: rgba(42, 51, 66, .12); }
.ff-table-wrap { border-radius: 6px 6px 22px 22px; box-shadow: 0 26px 64px -54px rgba(42, 51, 66, .8); }
.market { gap: 0; border-block: 1px solid var(--border); }
.market__cell { border: 0; border-right: 1px solid var(--border); border-radius: 0; background: transparent; padding-block: 2.5rem; }
.market__cell:last-child { border-right: 0; }
.market__v { font-size: clamp(2rem, 2.4vw, 2.8rem); }
.snap { border-radius: 8px 8px 24px 24px; }

/* Commissioned section photography stays subordinate to the section it opens. */
.ff-section-image {
  display: block;
  width: 100%;
  height: clamp(210px, 27vw, 340px);
  object-fit: cover;
  border: 1px solid rgba(42, 51, 66, .12);
  border-radius: 8px 8px 24px 24px;
  box-shadow: 0 28px 64px -50px rgba(42, 51, 66, .8);
  margin: 0 0 clamp(2.5rem, 5vw, 4.5rem);
}

/* Learning cards read like an editorial shelf while the commissioned imagery
   carries the first read. */
.art-card {
  border: 0;
  border-radius: 6px 6px 22px 22px;
  box-shadow: 0 22px 60px -50px rgba(42, 51, 66, .8);
}
.art-card__img { position: relative; overflow: hidden; }
img.art-card__img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 8 / 5;
  object-fit: cover;
}
.art-card__img::before {
  content: "";
  position: absolute;
  inset: 12% 8% 0 42%;
  border: 1px solid rgba(250, 251, 252, .52);
  border-bottom: 0;
  background:
    repeating-linear-gradient(90deg, transparent 0 22px, rgba(250, 251, 252, .38) 23px 24px),
    repeating-linear-gradient(0deg, transparent 0 30px, rgba(250, 251, 252, .3) 31px 32px);
  transform: skewY(-4deg);
}
.art-card__img::after {
  content: "California / field note";
  position: absolute;
  left: 1.25rem;
  bottom: 1rem;
  color: #fafbfc;
  font-family: var(--font-mono);
  font-size: .66rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.art-card__img.a { background: linear-gradient(155deg, #f1f4f7 0 24%, #e01624 24% 28%, #a40f1a 28% 100%); }
.art-card__img.b { background: linear-gradient(155deg, #fafbfc 0 20%, #2a3342 20% 100%); }
.art-card__img.c { background: linear-gradient(155deg, #f1f4f7 0 24%, #a40f1a 24% 30%, #2a3342 30% 100%); }
.art-card h3 { font-family: var(--font-serif); font-size: clamp(1.3rem, 1.1rem + .4vw, 1.55rem); font-weight: 600; }

/* About and article placeholders use architecture/data language—never faces. */
.storyimg,
.art-hero__cover,
.member__photo {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(160deg, transparent 0 28%, rgba(250, 251, 252, .3) 28% 29%, transparent 29%),
    linear-gradient(145deg, #2a3342, #a40f1a) !important;
}
.storyimg::after,
.art-hero__cover::after,
.member__photo::after {
  content: "";
  position: absolute;
  inset: 20% 10% 0 35%;
  border: 1px solid rgba(250, 251, 252, .5);
  background:
    repeating-linear-gradient(90deg, transparent 0 28px, rgba(250, 251, 252, .32) 29px 30px),
    repeating-linear-gradient(0deg, transparent 0 38px, rgba(250, 251, 252, .25) 39px 40px);
}
.member__photo { aspect-ratio: 4 / 5; border-radius: 4px 4px 18px 18px; }
.member__photo.g2, .member__photo.g4 { margin-top: 2rem; }
.byline__ava { background: #2a3342; border: 2px solid #f1f4f7; }
.art-hero { padding-top: clamp(3rem, 6vw, 6rem); }
.art-hero h1 { font-size: clamp(3rem, 2rem + 4vw, 5rem); line-height: .98; letter-spacing: -.045em; }
.art-hero__cover { border-radius: 6px 6px 28px 28px; box-shadow: 0 36px 70px -48px rgba(42, 51, 66, .8); }
img.storyimg,
img.art-hero__cover {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}
img.storyimg { aspect-ratio: 4 / 3; }
img.art-hero__cover { aspect-ratio: 16 / 9; }
.reading { padding-top: clamp(3rem, 6vw, 5rem); }

/* Reviews feel like pulled correspondence, not interchangeable UI cards. */
.reviews { column-gap: clamp(1.25rem, 2.5vw, 2.5rem); }
.review {
  border: 0;
  border-top: 1px solid var(--border-strong);
  border-radius: 0;
  box-shadow: none;
  background: transparent;
  padding-inline: 0;
}
.review__by b { font-family: var(--font-mono); font-size: var(--text-xs); text-transform: uppercase; letter-spacing: .04em; }

/* Closing panels keep authority but gain a cut-paper edge and restrained glow. */
.ff-cta {
  border-radius: 8px 8px 32px 8px;
  background:
    linear-gradient(115deg, #0a0e14 0 62%, #11161f 62% 100%);
  box-shadow: 0 40px 80px -52px rgba(42, 51, 66, .9);
}
.ff-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(90deg, transparent 0 79px, rgba(250, 251, 252, .025) 80px);
}
.ff-cta__glow { background: radial-gradient(circle, rgba(224, 22, 36, .5), transparent 64%); }
.ff-cta--coastline {
  background-image:
    linear-gradient(90deg, rgba(7, 11, 17, .96) 0%, rgba(7, 11, 17, .91) 45%, rgba(7, 11, 17, .66) 72%, rgba(7, 11, 17, .48) 100%),
    url('/assets/img/home-closing-coastline.webp');
  background-position: center;
  background-size: cover;
}
.ff-cta--coastline .ff-cta__inner { max-width: min(45%, 36rem); }
.ff-cta--coastline .ff-cta__glow { opacity: .34; }

@media (max-width: 980px) {
  .page-sections--home #pathways .grid-4 { grid-template-columns: 1fr 1fr; }
  .ff-pathway--refi, .ff-pathway--self { margin-top: 0; }
  .hero--shader { min-height: auto; }
  .hero--shader .snap { transform: none; }
}

@media (max-width: 820px) {
  :root { --section-y: clamp(4rem, 16vw, 6rem); }
  .hero--shader,
  .subhero--shader { min-height: auto; padding-block: 4rem; }
  .hero-shader::after {
    background:
      radial-gradient(145% 76% at 0% 9%, rgba(250, 251, 252, .97) 0%, rgba(250, 251, 252, .92) 48%, rgba(250, 251, 252, .58) 72%, transparent 100%),
      linear-gradient(180deg, rgba(250, 251, 252, .24) 0%, rgba(250, 251, 252, .1) 100%);
  }
  .subhero--shader .hero-shader::after,
  .cityhero--shader .hero-shader::after {
    background: linear-gradient(180deg, rgba(250, 251, 252, .9) 0%, rgba(250, 251, 252, .84) 72%, rgba(250, 251, 252, .2) 100%);
  }
  .hero--shader h1,
  .subhero--shader h1,
  .cityhero--shader h1 { max-width: 11ch; }
  .steps { grid-template-columns: 1fr; }
  .step { min-height: 0; border-right: 0; border-bottom: 1px solid var(--border); }
  .step:last-child { border-bottom: 0; }
  .page-sections .steps .step { min-height: 0; border-right: 0; border-bottom: 1px solid var(--border); }
  .page-sections .steps .step:last-child { border-bottom: 0; }
  .market { grid-template-columns: 1fr 1fr; }
  .market__cell:nth-child(2) { border-right: 0; }
  .market__cell:nth-child(-n+2) { border-bottom: 1px solid var(--border); }
  .funnel-wrap--shader {
    overflow: visible;
    padding: 2rem var(--gutter) 7rem;
    margin-inline: calc(var(--gutter) * -1);
    border-radius: 0;
  }
  .funnel-wrap--shader .hero-shader { border-radius: 0; }
}

/* Sitewide tactile response. Reveal-tagged cards switch to the short
   interaction transition only after their entrance has completed. */
@media (hover: hover) and (prefers-reduced-motion: no-preference) {
  .ff-card,
  .ff-pathway,
  .calc-card,
  .art-card,
  .info,
  .segopt,
  .servicelink,
  .review,
  .member,
  .incard {
    transition: transform .28s var(--ease-out), box-shadow .28s var(--ease-out), border-color .28s var(--ease-out);
  }
  .ff-card:hover,
  .ff-pathway:hover,
  .calc-card:hover,
  .art-card:hover,
  .info:hover,
  .segopt:hover,
  .servicelink:hover,
  .review:hover,
  .member:hover,
  .incard:hover,
  html.elv [data-elv].elv-in.elv-settled:is(.ff-card, .ff-pathway, .calc-card, .art-card, .info, .segopt, .servicelink, .review, .member, .incard):hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
  }
  .ff-btn,
  button,
  .ff-sticky__btn { transition: transform .22s var(--ease-out), box-shadow .22s var(--ease-out), background-color .22s var(--ease-out); }
}

@media (prefers-reduced-motion: no-preference) {
  .ff-btn:active,
  button:active,
  .ff-sticky__btn:active,
  .ff-card:active,
  .ff-pathway:active,
  .calc-card:active,
  .art-card:active,
  .segopt:active,
  .servicelink:active {
    transform: translateY(1px) scale(.985) !important;
    transition-duration: .1s !important;
    transition-delay: 0s !important;
  }
}

@media (prefers-reduced-motion: reduce) {
  .ff-btn,
  button,
  .ff-sticky__btn,
  .ff-card,
  .ff-pathway,
  .calc-card,
  .art-card,
  .info,
  .segopt,
  .servicelink,
  .review,
  .member,
  .incard {
    animation: none !important;
    transition: none !important;
    transform: none !important;
  }
}

@media (max-width: 560px) {
  .page-sections--home #pathways .grid-4 { grid-template-columns: 1fr; }
  .ff-pathway { min-height: 0; }
  .page-sections .ff-pathway { min-height: 0; }
  .hero--shader { padding-top: 3.5rem; }
  .hero--shader .hero__grid { gap: 3rem; }
  .cityhero--shader { min-height: 560px; padding: 2rem !important; }
  .market { grid-template-columns: 1fr; }
  .market__cell { border-right: 0; border-bottom: 1px solid var(--border); }
  .market__cell:nth-child(3) { border-bottom: 1px solid var(--border); }
  .member__photo.g2, .member__photo.g4 { margin-top: 0; }
  .ff-cta { padding: 2rem; }
  .ff-cta--coastline {
    background-image:
      linear-gradient(rgba(7, 11, 17, .88), rgba(7, 11, 17, .9)),
      url('/assets/img/home-closing-coastline.webp');
    background-position: 62% center;
  }
  .ff-cta--coastline .ff-cta__inner { max-width: 100%; }
}

/* ===== Press strip ("As Featured in") — replaces the fabricated-stats trust band ===== */
.pressband { padding: 1.6rem 0; border-block: 1px solid var(--line, #e5e8ec); background: var(--surface-2, #fafbfc); }
.pressband__inner { display: flex; align-items: center; gap: clamp(1.2rem, 4vw, 3rem); flex-wrap: wrap; justify-content: center; }
.pressband__label { font-family: var(--font-mono, monospace); font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--text-muted, #5b6472); white-space: nowrap; }
.pressband__logos { display: flex; align-items: center; gap: clamp(1.4rem, 4.5vw, 3.2rem); flex-wrap: wrap; justify-content: center; }
.pressband__logos img { height: 26px; width: auto; filter: grayscale(1) opacity(.55); transition: filter .25s ease; }
.pressband__logos img:hover { filter: grayscale(0) opacity(1); }
@media (max-width: 720px) {
  .pressband__logos { gap: 1.1rem 1.6rem; }
  .pressband__logos img { height: 20px; }
}

/* TYPO-1: token-locked display scale, lead size, and reading measure. */
.hero h1,
.subhero h1,
.page-sections .hero h1,
.page-sections .subhero h1 {
  font-size: var(--display-lg);
  line-height: var(--leading-display);
  letter-spacing: var(--tracking-tighter);
}
.sec-head h2,
h2.sec-head,
.page-sections .sec-head h2,
.page-sections h2.sec-head {
  font-size: var(--display-sm);
  line-height: var(--leading-display);
  letter-spacing: var(--tracking-tighter);
}
.hero__lead,
.subhero__lead,
.sec-head p { font-size: var(--text-lead); }
.ff-prose,
.maxw-prose,
.article { max-width: var(--measure-body); }

}