/* =========================================================================
   Florida Capital Realty — quiet-luxury system stylesheet
   Static HTML/CSS/JS. No build step, no framework.
   Palette: navy #1B2A3A · ivory #F7F4EF · gold #B0925A (gold-ink #7E673C for
   gold text on light backgrounds — see BUILD-NOTES for the contrast math).
   ========================================================================= */

/* ---------- Design tokens ---------- */
:root {
  --ink: #1b2a3a;           /* navy — headers, dark sections, body text on light */
  --ink-soft: #2c3e52;      /* navy, one step lighter, for secondary dark surfaces */
  --ivory: #f7f4ef;         /* warm off-white — light section ground */
  --white: #ffffff;         /* pure white — cards on ivory */
  --gold: #b0925a;          /* antique gold — decorative: rules, icons, text on navy */
  --gold-ink: #7e673c;      /* deep bronze — gold-family text on ivory/white (AA safe) */
  --gold-soft: rgba(176, 146, 90, 0.18);
  --hairline: rgba(27, 42, 58, 0.14);
  --hairline-on-navy: rgba(247, 244, 239, 0.22);

  --font-display: "Playfair Display", "Iowan Old Style", Georgia, serif;
  --font-ui: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1240px;
  --edge: clamp(1.5rem, 5vw, 3rem);
  --section-py: clamp(4.5rem, 9vw, 9rem);
  --section-py-sm: clamp(3rem, 6vw, 5.5rem);

  --ease-lux: cubic-bezier(0.32, 0.72, 0, 1);
  --dur: 0.7s;

  --radius-lg: 2px; /* quiet luxury: hairline squares, not soft app-style rounding */
  --radius-pill: 999px;

  --shadow-card: 0 1.5rem 3rem rgba(27, 42, 58, 0.08);
  --shadow-card-lg: 0 2.5rem 5rem rgba(27, 42, 58, 0.14);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}
body {
  margin: 0;
  background: var(--ivory);
  color: var(--ink);
  font-family: var(--font-ui);
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
svg { display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, p, figure, blockquote { margin: 0; }
button { font-family: inherit; cursor: pointer; }
input, textarea, select { font-family: inherit; font-size: 1rem; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 400;
  color: var(--ink);
  text-wrap: balance;
}

/* Root text-size scale for the a11y widget (JS bumps this custom property) */
html { font-size: 100%; }
html.fcr-text-lg { font-size: 112%; }
html.fcr-text-xl { font-size: 124%; }

:focus-visible {
  outline: 2px solid var(--gold-ink);
  outline-offset: 3px;
}
.ink-section :focus-visible { outline-color: var(--gold); }

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  background: var(--ink);
  color: var(--ivory);
  padding: 0.85rem 1.25rem;
  font-family: var(--font-ui);
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  z-index: 300;
  transition: top 0.25s var(--ease-lux);
}
.skip-link:focus { top: 1rem; }

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Layout helpers ---------- */
.container {
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--edge);
}
.section { padding-block: var(--section-py); }
.section-sm { padding-block: var(--section-py-sm); }
.ink-section { background: var(--ink); color: var(--ivory); }
.ink-section h1, .ink-section h2, .ink-section h3 { color: var(--ivory); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6em;
  font-family: var(--font-ui);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-ink);
}
.ink-section .eyebrow, .on-navy .eyebrow { color: var(--gold); }
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: currentColor;
  opacity: 0.7;
}

.hairline { border: none; border-top: 1px solid var(--hairline); margin: 0; }
.ink-section .hairline, .on-navy .hairline { border-top-color: var(--hairline-on-navy); }

.center { text-align: center; }
.measure { max-width: 42rem; }
.measure-wide { max-width: 56rem; }
.mx-auto { margin-inline: auto; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 5rem); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(1.5rem, 3vw, 2.5rem); }
@media (max-width: 900px) {
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .grid-4 { grid-template-columns: 1fr; }
}

/* ---------- Reveal-on-scroll (fade-up) ----------
   Gotcha: hide rule and reveal rule must share the same html.js specificity,
   or elements flash-then-vanish. Honors prefers-reduced-motion. */
html.js .fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.9s var(--ease-lux), transform 0.9s var(--ease-lux);
}
html.js .fade-up.is-visible {
  opacity: 1;
  transform: translateY(0);
}
html.js .fade-up-delay-1.is-visible { transition-delay: 0.1s; }
html.js .fade-up-delay-2.is-visible { transition-delay: 0.2s; }
html.js .fade-up-delay-3.is-visible { transition-delay: 0.3s; }
@media (prefers-reduced-motion: reduce) {
  html.js .fade-up { opacity: 1; transform: none; transition: none; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.9rem;
  font-family: var(--font-ui);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 0.95rem 0.5rem 0.95rem 1.6rem;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  background: transparent;
  color: var(--ink);
  transition: background 0.5s var(--ease-lux), color 0.5s var(--ease-lux), border-color 0.5s var(--ease-lux), transform 0.3s var(--ease-lux);
}
.btn:active { transform: scale(0.98); }

.btn .btn-circle {
  width: 2.15rem;
  height: 2.15rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.5s var(--ease-lux), background 0.5s var(--ease-lux);
}
.btn .btn-circle svg { width: 15px; height: 15px; }
.btn:hover .btn-circle { transform: translate(2px, -2px) rotate(0deg) scale(1.04); }

/* Primary: solid navy, ivory text/circle — the "Become an Agent" commitment. */
.btn-primary {
  background: var(--ink);
  color: var(--ivory);
  border-color: var(--ink);
}
.btn-primary .btn-circle { background: var(--gold); color: var(--ink); }
.btn-primary:hover { background: var(--ink-soft); border-color: var(--ink-soft); }

/* Outline gold: quiet secondary CTA, used over photography and on ivory. */
.btn-outline {
  background: transparent;
  color: var(--ink);
  border-color: var(--hairline);
}
.btn-outline .btn-circle { background: transparent; border: 1px solid var(--gold); color: var(--gold-ink); }
.btn-outline:hover { border-color: var(--gold); }
.btn-outline:hover .btn-circle { background: var(--gold); color: var(--ink); }

/* On navy / over photography: ivory text, gold circle */
.on-navy .btn-outline, .btn-outline.on-navy {
  color: var(--ivory);
  border-color: var(--hairline-on-navy);
}
.on-navy .btn-outline .btn-circle, .btn-outline.on-navy .btn-circle {
  border-color: var(--gold);
  color: var(--gold);
}
.on-navy .btn-outline:hover, .btn-outline.on-navy:hover { border-color: var(--gold); }
.on-navy .btn-outline:hover .btn-circle, .btn-outline.on-navy:hover .btn-circle {
  background: var(--gold); color: var(--ink);
}

.btn-ghost {
  background: transparent;
  color: inherit;
  padding: 0.5rem 0;
  gap: 0.6rem;
  border: none;
}
.btn-ghost .btn-circle { width: 1.9rem; height: 1.9rem; border: 1px solid currentColor; }
.btn-ghost:hover .btn-circle { background: currentColor; }
.btn-ghost:hover .btn-circle svg { stroke: var(--ivory); }
.on-navy .btn-ghost:hover .btn-circle svg,
.btn-ghost.on-navy:hover .btn-circle svg { stroke: var(--ink); }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  inset-inline: 0;
  top: 0;
  z-index: 100;
  padding-block: 1.35rem;
  background: linear-gradient(to bottom, rgba(27,42,58,0.55), rgba(27,42,58,0));
  transition: background 0.5s var(--ease-lux), padding 0.4s var(--ease-lux), box-shadow 0.4s var(--ease-lux);
}
.site-header.is-solid {
  background: var(--ink);
  padding-block: 0.85rem;
  box-shadow: 0 1px 0 var(--hairline-on-navy);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  color: var(--ivory);
}
.brand img { width: 34px; height: auto; }
.brand-word {
  font-family: var(--font-display);
  font-size: 1.12rem;
  letter-spacing: 0.03em;
  line-height: 1.05;
}
.brand-word b { font-weight: 600; }
.brand-tag {
  display: block;
  font-family: var(--font-ui);
  font-size: 0.56rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 0.25rem;
}

.main-nav { display: flex; align-items: center; gap: clamp(1.1rem, 2vw, 2.1rem); }
.main-nav a {
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--ivory);
  opacity: 0.86;
  transition: opacity 0.3s var(--ease-lux);
  white-space: nowrap;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { opacity: 1; color: var(--gold); }
.main-nav .nav-cta {
  opacity: 1;
  border: 1px solid var(--gold);
  padding: 0.55rem 1.1rem;
  border-radius: var(--radius-pill);
  color: var(--ivory);
  transition: background 0.4s var(--ease-lux), color 0.4s var(--ease-lux);
}
.main-nav .nav-cta:hover { background: var(--gold); color: var(--ink); }
.header-phone {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--ivory);
  opacity: 0.9;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.header-phone svg { width: 14px; height: 14px; }

.nav-toggle {
  display: none;
  background: transparent;
  border: none;
  width: 2.4rem;
  height: 2.4rem;
  position: relative;
  color: var(--ivory);
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0.5rem;
  right: 0.5rem;
  height: 1px;
  background: currentColor;
  transition: transform 0.4s var(--ease-lux), opacity 0.3s var(--ease-lux), top 0.4s var(--ease-lux);
}
.nav-toggle span { top: 50%; }
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { top: 0; transform: rotate(-45deg); }

.mobile-nav {
  position: fixed;
  inset: 0;
  z-index: 99;
  background: var(--ink);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 6rem var(--edge) 3rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.5s var(--ease-lux), visibility 0.5s;
}
.mobile-nav.is-open { opacity: 1; visibility: visible; }
.mobile-nav ul { display: flex; flex-direction: column; gap: 0.4rem; }
.mobile-nav a {
  display: block;
  padding: 0.9rem 0;
  border-top: 1px solid var(--hairline-on-navy);
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--ivory);
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s var(--ease-lux), transform 0.5s var(--ease-lux);
}
.mobile-nav.is-open a { opacity: 1; transform: translateY(0); }
.mobile-nav.is-open li:nth-child(1) a { transition-delay: 0.05s; }
.mobile-nav.is-open li:nth-child(2) a { transition-delay: 0.1s; }
.mobile-nav.is-open li:nth-child(3) a { transition-delay: 0.15s; }
.mobile-nav.is-open li:nth-child(4) a { transition-delay: 0.2s; }
.mobile-nav.is-open li:nth-child(5) a { transition-delay: 0.25s; }
.mobile-nav-foot {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--hairline-on-navy);
}
.mobile-nav-foot a { color: var(--gold); font-family: var(--font-ui); font-size: 0.95rem; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 100svh;
  min-height: 100vh;
  display: flex;
  align-items: flex-end;
  color: var(--ivory);
  overflow: hidden;
}
.hero-media {
  position: absolute;
  inset: 0;
  z-index: -2;
}
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15,23,32,0.55) 0%, rgba(15,23,32,0.35) 40%, rgba(11,17,24,0.86) 100%);
}
.hero-inner {
  padding-block: 9rem 4.5rem;
  width: 100%;
}
.hero-eyebrow {
  color: var(--gold);
  justify-content: center;
  margin-bottom: 1.6rem;
}
.hero h1 {
  font-size: clamp(2.4rem, 6vw, 5rem);
  line-height: 1.08;
  max-width: 18ch;
  margin-inline: auto;
  text-align: center;
  color: var(--white);
}
.hero-sub {
  text-align: center;
  max-width: 34rem;
  margin: 1.75rem auto 0;
  font-size: 0.95rem;
  letter-spacing: 0.06em;
  color: rgba(247,244,239,0.86);
}
.hero-ctas {
  margin-top: 2.75rem;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.hero-trust {
  margin-top: 3.5rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--hairline-on-navy);
  text-align: center;
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(247,244,239,0.7);
}
.hero-trust span { color: var(--gold); }
.hero-scroll-cue {
  position: absolute;
  bottom: 1.75rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.62rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(247,244,239,0.6);
}
.hero-scroll-cue .line {
  width: 1px; height: 34px;
  background: linear-gradient(var(--gold), transparent);
}

/* smaller interior-page hero (join/sell/lenders/contact) */
.page-hero {
  position: relative;
  min-height: 62svh;
  min-height: 62vh;
  display: flex;
  align-items: flex-end;
  color: var(--ivory);
  overflow: hidden;
}
.page-hero .hero-media::after {
  background: linear-gradient(180deg, rgba(15,23,32,0.5) 0%, rgba(11,17,24,0.88) 100%);
}
.page-hero .hero-inner { padding-block: 8rem 3.5rem; text-align: center; }
.page-hero h1 {
  font-size: clamp(2.1rem, 4.6vw, 3.6rem);
  color: var(--white);
  max-width: 22ch;
  margin-inline: auto;
}
.page-hero .eyebrow { justify-content: center; color: var(--gold); margin-bottom: 1.25rem; }
.page-hero .hero-sub { color: rgba(247,244,239,0.85); }

/* ---------- Editorial intro ---------- */
.editorial {
  text-align: center;
}
.editorial .eyebrow { justify-content: center; margin-bottom: 1.5rem; }
.editorial h2 {
  font-size: clamp(1.9rem, 3.4vw, 2.9rem);
  max-width: 22ch;
  margin-inline: auto;
  line-height: 1.2;
}
.editorial p {
  max-width: 42rem;
  margin: 1.75rem auto 0;
  color: var(--ink-soft);
  font-size: 1.05rem;
}

/* ---------- Economics (conversion centerpiece) ---------- */
.economics { background: var(--white); }
.economics-head { text-align: center; margin-bottom: clamp(3rem, 6vw, 4.5rem); }
.economics-head .eyebrow { justify-content: center; margin-bottom: 1.5rem; }
.economics-head h2 { font-size: clamp(2rem, 3.6vw, 3rem); max-width: 20ch; margin-inline: auto; }
.economics-head p { max-width: 40rem; margin: 1.5rem auto 0; color: var(--ink-soft); }

.economics-table {
  border-top: 1px solid var(--hairline);
}
.economics-scenario {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-align: center;
  color: var(--ink-soft);
  padding-block: 1.5rem;
  border-bottom: 1px solid var(--hairline);
}
.economics-scenario b { color: var(--ink); }
.economics-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.economics-col {
  padding: clamp(2rem, 5vw, 3.5rem) clamp(1.25rem, 3vw, 2.5rem);
  border-bottom: 1px solid var(--hairline);
}
.economics-col:first-child { border-right: 1px solid var(--hairline); }
.economics-col .label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.economics-col .figure {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  margin-top: 0.75rem;
  line-height: 1;
}
.economics-col .fine {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--ink-soft);
}
.economics-col.is-fcr .figure { color: var(--gold-ink); }
.economics-col.is-fcr { background: var(--ivory); }
.economics-footnote {
  text-align: center;
  padding-top: 1.75rem;
  font-size: 0.78rem;
  color: var(--ink-soft);
  font-style: italic;
}
@media (max-width: 720px) {
  .economics-cols { grid-template-columns: 1fr; }
  .economics-col:first-child { border-right: none; border-bottom: 1px solid var(--hairline); }
}

/* ---------- Benefits grid ---------- */
.benefits { background: var(--ivory); }
.benefits-head { text-align: center; margin-bottom: clamp(3rem, 6vw, 4rem); }
.benefits-head .eyebrow { justify-content: center; margin-bottom: 1.5rem; }
.benefits-head h2 { font-size: clamp(1.9rem, 3.2vw, 2.6rem); max-width: 24ch; margin-inline: auto; }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--hairline);
  border-left: 1px solid var(--hairline);
}
.benefit {
  padding: 2.5rem 2rem;
  border-right: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
  transition: background 0.4s var(--ease-lux);
}
.benefit:hover { background: var(--white); }
.benefit .num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1rem;
  color: var(--gold-ink);
}
.benefit h3 {
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin-top: 0.9rem;
  color: var(--ink);
}
.benefit p { margin-top: 0.75rem; font-size: 0.92rem; color: var(--ink-soft); }
@media (max-width: 900px) {
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .benefits-grid { grid-template-columns: 1fr; }
}

/* ---------- Social proof ---------- */
.proof { background: var(--ink); color: var(--ivory); text-align: center; }
.proof-stats {
  display: flex;
  justify-content: center;
  gap: clamp(2rem, 6vw, 5rem);
  flex-wrap: wrap;
  padding-bottom: clamp(3rem, 6vw, 4.5rem);
  border-bottom: 1px solid var(--hairline-on-navy);
  margin-bottom: clamp(3rem, 6vw, 4.5rem);
}
.proof-stat .figure {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  color: var(--gold);
}
.proof-stat .label {
  margin-top: 0.5rem;
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(247,244,239,0.7);
}
.testimonials { display: grid; grid-template-columns: 1.2fr 1fr; gap: clamp(2rem, 5vw, 4rem); text-align: left; align-items: start; }
.testimonial blockquote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(1.3rem, 2.4vw, 1.9rem);
  line-height: 1.45;
  color: var(--white);
}
.testimonial figcaption {
  margin-top: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.9rem;
  font-size: 0.85rem;
  color: rgba(247,244,239,0.75);
}
.testimonial figcaption img {
  width: 46px; height: 46px;
  border-radius: 50%;
  object-fit: cover;
}
.testimonial figcaption b { color: var(--ivory); display: block; font-weight: 600; }
@media (max-width: 800px) {
  .testimonials { grid-template-columns: 1fr; }
}

/* ---------- Dual path ---------- */
.dual-path { background: var(--white); }
.path-cards { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 3vw, 2.5rem); }
.path-card {
  position: relative;
  min-height: 30rem;
  display: flex;
  align-items: flex-end;
  color: var(--ivory);
  overflow: hidden;
}
.path-card img {
  position: absolute; inset: 0;
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 1.1s var(--ease-lux);
}
.path-card:hover img { transform: scale(1.045); }
.path-card::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(27,42,58,0.15) 0%, rgba(15,20,26,0.92) 100%);
}
.path-card-body { position: relative; padding: 2.5rem; }
.path-card .eyebrow { color: var(--gold); margin-bottom: 0.9rem; }
.path-card h3 { font-size: clamp(1.5rem, 2.6vw, 2rem); color: var(--white); max-width: 18ch; }
.path-card p { margin-top: 0.9rem; color: rgba(247,244,239,0.82); max-width: 32ch; font-size: 0.95rem; }
.path-card .path-links { margin-top: 1.75rem; display: flex; gap: 1.5rem; flex-wrap: wrap; }
@media (max-width: 800px) {
  .path-cards { grid-template-columns: 1fr; }
}

/* ---------- Valuation teaser ---------- */
.valuation-teaser { background: var(--ivory); text-align: center; }
.valuation-teaser .eyebrow { justify-content: center; margin-bottom: 1.5rem; }
.valuation-teaser h2 { font-size: clamp(1.9rem, 3.4vw, 2.8rem); max-width: 22ch; margin-inline: auto; }
.valuation-teaser p { max-width: 36rem; margin: 1.5rem auto 2.25rem; color: var(--ink-soft); }

/* ---------- Locations ---------- */
.locations { background: var(--white); }
.locations-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.locations-media { position: relative; }
.locations-media img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4/3; }
.locations-media::after {
  content: "";
  position: absolute; inset: 0.9rem;
  border: 1px solid var(--gold);
  pointer-events: none;
}
.locations-copy .eyebrow { margin-bottom: 1.5rem; }
.locations-copy h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); max-width: 18ch; }
.locations-copy p { margin-top: 1.25rem; color: var(--ink-soft); }
.locations-addr {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--hairline);
  font-size: 0.95rem;
}
.locations-addr b { display: block; font-family: var(--font-display); font-size: 1.15rem; margin-bottom: 0.35rem; }
@media (max-width: 800px) {
  .locations-grid { grid-template-columns: 1fr; }
}

/* ---------- Closing CTA ---------- */
.closing-cta {
  position: relative;
  color: var(--ivory);
  text-align: center;
  overflow: hidden;
}
.closing-cta .hero-media::after {
  background: linear-gradient(180deg, rgba(15,23,32,0.65), rgba(11,17,24,0.82));
}
.closing-cta-inner { padding-block: var(--section-py); position: relative; }
.closing-cta .eyebrow { justify-content: center; margin-bottom: 1.5rem; }
.closing-cta h2 {
  font-size: clamp(2rem, 4.6vw, 3.4rem);
  color: var(--white);
  max-width: 20ch;
  margin-inline: auto;
}
.closing-cta-ctas { margin-top: 2.5rem; display: flex; justify-content: center; gap: 1.5rem; flex-wrap: wrap; }

/* ---------- Generic content page sections (join/sell/lenders/contact) ---------- */
.content-block { background: var(--white); }
.content-block.alt { background: var(--ivory); }
.content-head { max-width: 44rem; margin-bottom: clamp(2.5rem, 5vw, 3.5rem); }
.content-head.center { text-align: center; margin-inline: auto; }
.content-head .eyebrow { margin-bottom: 1.4rem; }
.content-head h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); }
.content-head p { margin-top: 1.25rem; color: var(--ink-soft); }

.faq { border-top: 1px solid var(--hairline); }
.faq-item { border-bottom: 1px solid var(--hairline); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.6rem 0;
  background: transparent;
  border: none;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--ink);
}
.faq-q .plus {
  flex-shrink: 0;
  width: 1.6rem; height: 1.6rem;
  border-radius: 50%;
  border: 1px solid var(--gold);
  position: relative;
}
.faq-q .plus::before, .faq-q .plus::after {
  content: "";
  position: absolute;
  background: var(--gold-ink);
  top: 50%; left: 50%;
  transform: translate(-50%,-50%);
}
.faq-q .plus::before { width: 9px; height: 1px; }
.faq-q .plus::after { width: 1px; height: 9px; transition: transform 0.35s var(--ease-lux), opacity 0.35s var(--ease-lux); }
.faq-item[open] .plus::after { transform: translate(-50%,-50%) rotate(90deg); opacity: 0; }
.faq-a { padding-bottom: 1.6rem; color: var(--ink-soft); max-width: 44rem; }
.faq-item summary { list-style: none; cursor: pointer; }
.faq-item summary::-webkit-details-marker { display: none; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  padding: clamp(2rem, 5vw, 3rem);
}
.on-ivory .form-card { background: var(--white); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.form-field { margin-bottom: 1.5rem; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 0.6rem;
}
.form-field input, .form-field textarea, .form-field select {
  width: 100%;
  border: none;
  border-bottom: 1px solid var(--hairline);
  background: transparent;
  padding: 0.7rem 0.1rem;
  color: var(--ink);
  transition: border-color 0.3s var(--ease-lux);
}
.form-field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%237E673C'%3E%3Cpath d='M5 7l5 5 5-5' stroke-width='1.4'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 0.2rem center; }
.form-field input:focus, .form-field textarea:focus, .form-field select:focus {
  outline: none;
  border-bottom-color: var(--gold);
}
.form-field textarea { resize: vertical; min-height: 7.5rem; }
.form-hint { margin-top: 0.75rem; font-size: 0.78rem; color: var(--ink-soft); }
.form-status {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--gold-ink);
  display: none;
}
.form-status.is-visible { display: block; }
@media (max-width: 640px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ---------- Lenders page cards ---------- */
.lender-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--hairline); border: 1px solid var(--hairline); }
.lender-card { background: var(--white); padding: clamp(1.75rem, 3vw, 2.5rem); }
.lender-card .eyebrow { margin-bottom: 1rem; }
.lender-card h3 { font-size: 1.3rem; }
.lender-card p { margin-top: 0.85rem; color: var(--ink-soft); font-size: 0.95rem; }
@media (max-width: 720px) { .lender-grid { grid-template-columns: 1fr; } }

/* ---------- Map / contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); }
.contact-offices { display: grid; gap: 1.5rem; margin-top: 2rem; }
.office-card { border-top: 1px solid var(--hairline); padding-top: 1.25rem; }
.office-card b { font-family: var(--font-display); font-size: 1.15rem; display: block; margin-bottom: 0.35rem; }
.office-card p { color: var(--ink-soft); font-size: 0.92rem; }
.map-frame { border: 1px solid var(--hairline); overflow: hidden; aspect-ratio: 4/3; }
.map-frame iframe { width: 100%; height: 100%; border: 0; filter: grayscale(0.35) contrast(1.05); }
@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: rgba(247,244,239,0.82); }
.footer-top { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: clamp(2rem, 4vw, 3rem); padding-block: clamp(3rem, 6vw, 4.5rem); }
.footer-brand .brand { margin-bottom: 1.25rem; }
.footer-brand p { max-width: 26rem; font-size: 0.9rem; color: rgba(247,244,239,0.65); }
.footer-col h4 {
  font-family: var(--font-ui);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.1rem;
}
.footer-col ul { display: grid; gap: 0.7rem; }
.footer-col a, .footer-col address { font-size: 0.9rem; font-style: normal; color: rgba(247,244,239,0.82); }
.footer-col a:hover { color: var(--gold); }
.footer-social { display: flex; gap: 0.9rem; margin-top: 1.25rem; }
.footer-social a {
  width: 2.1rem; height: 2.1rem;
  border: 1px solid var(--hairline-on-navy);
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  transition: border-color 0.3s var(--ease-lux), color 0.3s var(--ease-lux);
}
.footer-social a:hover { border-color: var(--gold); color: var(--gold); }
.footer-social svg { width: 15px; height: 15px; }

.newsletter-row { display: flex; gap: 0.75rem; margin-top: 1.1rem; }
.newsletter-row input {
  flex: 1;
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--hairline-on-navy);
  color: var(--ivory);
  padding: 0.6rem 0.1rem;
  font-size: 0.85rem;
}
.newsletter-row input::placeholder { color: rgba(247,244,239,0.45); }
.newsletter-row input:focus { outline: none; border-bottom-color: var(--gold); }
.newsletter-row button {
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold);
  border-radius: var(--radius-pill);
  padding: 0 1rem;
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.newsletter-row button:hover { background: var(--gold); color: var(--ink); }

.footer-bottom {
  border-top: 1px solid var(--hairline-on-navy);
  padding-block: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.76rem;
  color: rgba(247,244,239,0.55);
}
.footer-bottom nav { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-bottom a:hover { color: var(--gold); }
.footer-legal-line { display: flex; align-items: center; gap: 0.6rem; }
.footer-legal-line svg { width: 16px; height: 16px; }

@media (max-width: 900px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-top { grid-template-columns: 1fr; }
}

/* ---------- Cookie consent ---------- */
.consent-banner {
  position: fixed;
  left: 1.25rem;
  right: 1.25rem;
  bottom: 1.25rem;
  z-index: 200;
  max-width: 40rem;
  margin-inline: auto;
  background: var(--ink);
  color: var(--ivory);
  border: 1px solid var(--hairline-on-navy);
  padding: 1.5rem 1.75rem;
  display: none;
  gap: 1.25rem;
  align-items: flex-start;
  flex-wrap: wrap;
  box-shadow: var(--shadow-card-lg);
}
.consent-banner.is-visible { display: flex; }
.consent-banner p { font-size: 0.85rem; line-height: 1.6; color: rgba(247,244,239,0.85); flex: 1 1 18rem; }
.consent-banner p a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }
.consent-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.consent-actions button {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.7rem 1.2rem;
  border-radius: var(--radius-pill);
  border: 1px solid var(--gold);
  background: transparent;
  color: var(--ivory);
}
.consent-actions .consent-accept { background: var(--gold); color: var(--ink); }
.consent-actions .consent-accept:hover { background: #c3a468; }
.consent-actions .consent-decline:hover { border-color: var(--ivory); }

/* ---------- Accessibility widget ---------- */
.a11y-toggle {
  position: fixed;
  right: 1.25rem;
  bottom: 1.25rem;
  z-index: 190;
  width: 3.1rem;
  height: 3.1rem;
  border-radius: 50%;
  background: var(--ink);
  color: var(--ivory);
  border: 1px solid var(--gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-card);
  transition: transform 0.35s var(--ease-lux);
}
.a11y-toggle:hover { transform: scale(1.06); }
.a11y-toggle svg { width: 20px; height: 20px; }

.a11y-panel {
  position: fixed;
  right: 1.25rem;
  bottom: 5rem;
  z-index: 191;
  width: 17.5rem;
  background: var(--white);
  border: 1px solid var(--hairline);
  box-shadow: var(--shadow-card-lg);
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.35s var(--ease-lux), transform 0.35s var(--ease-lux), visibility 0.35s;
}
.a11y-panel.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
.a11y-panel h2 {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 1.1rem;
}
.a11y-row { display: flex; align-items: center; justify-content: space-between; padding-block: 0.6rem; border-top: 1px solid var(--hairline); }
.a11y-row:first-of-type { border-top: none; }
.a11y-row span { font-size: 0.88rem; color: var(--ink); }
.a11y-steppers { display: flex; align-items: center; gap: 0.5rem; }
.a11y-steppers button {
  width: 1.9rem; height: 1.9rem;
  border-radius: 50%;
  border: 1px solid var(--hairline);
  background: var(--ivory);
  color: var(--ink);
  font-size: 0.95rem;
}
.a11y-switch {
  width: 2.6rem; height: 1.5rem;
  border-radius: var(--radius-pill);
  background: var(--hairline);
  position: relative;
  border: none;
}
.a11y-switch::after {
  content: "";
  position: absolute;
  top: 2px; left: 2px;
  width: 1.2rem; height: 1.2rem;
  border-radius: 50%;
  background: var(--white);
  transition: transform 0.3s var(--ease-lux);
  box-shadow: 0 1px 3px rgba(0,0,0,0.25);
}
.a11y-switch[aria-pressed="true"] { background: var(--gold); }
.a11y-switch[aria-pressed="true"]::after { transform: translateX(1.1rem); }
.a11y-reset { margin-top: 1.1rem; width: 100%; text-align: center; font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-ink); background: none; border: none; padding: 0.5rem 0; }

/* High-contrast mode toggled by the widget */
html.fcr-contrast body { background: #000; color: #fff; }
html.fcr-contrast .ink-section,
html.fcr-contrast .site-header.is-solid,
html.fcr-contrast .site-footer,
html.fcr-contrast .mobile-nav { background: #000; }
html.fcr-contrast .economics-col.is-fcr,
html.fcr-contrast .benefits,
html.fcr-contrast .valuation-teaser { background: #000; }
html.fcr-contrast a, html.fcr-contrast .eyebrow, html.fcr-contrast .gold-num { color: #ffd98a !important; }
html.fcr-contrast .hairline { border-color: #444 !important; }
html.fcr-contrast .btn-primary { background: #fff; color: #000; }
html.fcr-contrast .btn-primary .btn-circle { background: #ffd98a; color: #000; }
html.fcr-contrast .form-card { border-color: #444; }
html.fcr-contrast * { text-shadow: none !important; }
html.fcr-contrast img { filter: grayscale(0.15) contrast(1.1); }

/* ---------- Responsive: nav collapse ---------- */
@media (max-width: 980px) {
  .main-nav { display: none; }
  .header-phone { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
}
@media (min-width: 981px) {
  .mobile-nav { display: none; }
}

/* ---------- Small screens ---------- */
@media (max-width: 640px) {
  .hero-inner { padding-block: 7.5rem 3rem; }
  .hero-ctas { gap: 1rem; }
  .economics-cols { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .a11y-toggle, .a11y-panel, .consent-banner, .hero-scroll-cue { display: none; }
}