:root {
  --ink: #211c18;
  --body: #51473c;
  --paper: #fbf7ef;
  --sand: #f1e8da;
  --rule: #ddcfba;
  --gold: #efce91;
  --ochre: #785323;
  --night: #121211;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: system-ui, -apple-system, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  line-height: 1.55;
  text-size-adjust: 100%;
}

*, *::before, *::after { box-sizing: border-box; }
body, h1, h2, h3, p, figure { margin: 0; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, summary { font: inherit; }
[id] { scroll-margin-top: 1.5rem; }
:focus-visible { outline: 2px solid #a47136; outline-offset: 5px; }
.site-header :focus-visible, .hero :focus-visible, .contact :focus-visible, .site-footer :focus-visible { outline-color: var(--gold); }

.frame { width: min(1160px, 100% - 5rem); margin-inline: auto; }
.skip-link { position: fixed; z-index: 10; top: 1rem; left: 1rem; padding: .75rem 1rem; background: white; transform: translateY(-200%); }
.skip-link:focus { transform: none; }

.site-header {
  position: relative;
  z-index: 2;
  background: var(--night);
  color: #f6efe3;
  border-bottom: 1px solid #645037;
}
.header-inner {
  min-height: 68px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 1rem;
}
.header-phone, .desktop-nav a, .mobile-menu a { text-decoration: none; }
.header-phone {
  display: inline-flex;
  align-items: center;
  justify-self: start;
  gap: .55rem;
  min-height: 44px;
  color: var(--gold);
  font-size: .85rem;
  font-weight: 620;
  white-space: nowrap;
}
.header-phone svg { width: 1rem; height: 1rem; }
.desktop-nav { display: flex; align-items: center; gap: clamp(1rem, 3vw, 2.35rem); }
.desktop-nav a {
  position: relative;
  display: grid;
  align-items: center;
  min-height: 44px;
  font-size: .85rem;
  font-weight: 570;
  white-space: nowrap;
}
.desktop-nav a:hover, .desktop-nav [aria-current="page"] { color: var(--gold); }
.desktop-nav [aria-current="page"]::after {
  position: absolute;
  right: 0;
  bottom: 6px;
  left: 0;
  height: 1px;
  background: #997445;
  content: "";
}
.mobile-menu { display: none; }

.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: .7rem;
  padding: .75rem 1.2rem;
  border: 1px solid transparent;
  border-radius: 4px;
  font-size: .91rem;
  font-weight: 700;
  text-align: center;
  text-decoration: none;
  transition: background-color .18s ease, border-color .18s ease;
}
.button-gold { background: #f0ce8e; color: #211910; }
.button-gold:hover { background: #ffe1aa; }
.button-outline { border-color: #c6ab7f; background: #12121170; color: #fff7e9; }
.button-outline:hover { border-color: #fae0aa; background: #362a1b; }
.header-apply { justify-self: end; min-height: 42px; padding: .55rem 1rem; font-size: .83rem; white-space: nowrap; }

.hero {
  position: relative;
  isolation: isolate;
  display: grid;
  align-items: center;
  overflow: hidden;
  min-height: clamp(545px, 46vw, 625px);
  background: #151312;
  color: #fff9ee;
  text-align: center;
}
.hero-scene, .hero-scrim { position: absolute; inset: 0; z-index: -1; }
.hero-scene img { width: 100%; height: 100%; object-fit: cover; object-position: center 83%; }
.hero-scrim {
  background:
    radial-gradient(ellipse 40% 88% at 50% 45%, #171513df 0%, #18151491 56%, transparent 100%),
    linear-gradient(0deg, #151210e6 0%, #15121037 32%, #15121009 76%, #15121064);
}
.hero-inner { padding-block: 2rem 2.6rem; }
.hero-logo { display: block; width: clamp(260px, 24vw, 334px); margin: 0 auto .65rem; mix-blend-mode: screen; }
.hero-logo img { width: 100%; height: auto; }
.eyebrow {
  display: flex;
  align-items: center;
  gap: .65rem;
  color: var(--ochre);
  font-size: .73rem;
  font-weight: 740;
  letter-spacing: .15em;
  line-height: 1.4;
  text-transform: uppercase;
}
.eyebrow span { flex: 0 0 1.5rem; height: 1px; background: currentColor; }
.hero-kicker { justify-content: center; color: #f4d8a5; text-shadow: 0 1px 8px #000; }
.hero h1, h2, h3 { font-family: var(--serif); font-weight: 400; }
.hero h1 {
  margin: .9rem 0 .95rem;
  font-size: clamp(3.25rem, 5.2vw, 4.55rem);
  line-height: .99;
  letter-spacing: -.055em;
  text-shadow: 0 3px 22px #0008;
}
.hero h1 em { color: #ffdda0; }
.hero-description {
  max-width: 37rem;
  margin-inline: auto;
  color: #fff3e1;
  font-size: clamp(1rem, 1.35vw, 1.125rem);
  text-wrap: pretty;
}
.hero-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: .65rem; margin-top: 1.55rem; }

.pathways { background: #f1e6d4; border-bottom: 1px solid var(--rule); }
.path-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.path-grid a {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1rem;
  min-height: 95px;
  padding: 1.2rem clamp(.9rem, 2.2vw, 2rem);
  text-decoration: none;
}
.path-grid a:first-child { padding-left: .2rem; }
.path-grid a + a { border-left: 1px solid var(--rule); }
.path-grid a:hover { background: #e9dac2; }
.path-number { color: var(--ochre); font-size: .73rem; font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: .08em; }
.path-grid strong { display: block; font: 1.4rem/1.1 var(--serif); }
.path-grid small { display: block; margin-top: .24rem; color: var(--body); font-size: .82rem; }
.path-arrow { color: var(--ochre); font-size: 1.15rem; }

.section { padding-block: clamp(4.25rem, 7.5vw, 7rem); }
.section-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(240px, .49fr); align-items: end; gap: 1.3rem 2rem; margin-bottom: 2rem; }
.section h2, .contact h2 {
  margin-top: .7rem;
  font-size: clamp(2.55rem, 4.6vw, 4.3rem);
  letter-spacing: -.055em;
  line-height: 1.04;
  text-wrap: balance;
}
.section h2 em { color: var(--ochre); }
.section-head > p, .team-intro > p:not(.eyebrow), .answer-intro { color: var(--body); font-size: 1.04rem; }
.section-head > p { max-width: 33ch; }

.loan-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: .9rem; }
.loan-card {
  display: flex;
  min-width: 0;
  flex-direction: column;
  align-items: start;
  padding: clamp(1.1rem, 2.2vw, 1.6rem);
  border: 1px solid var(--rule);
  border-radius: 5px;
  background: #fffdf8;
}
.loan-card:target { border-color: #986a39; box-shadow: 0 0 0 2px #d0aa7960; }
.loan-card svg { width: 2rem; height: 2rem; margin-bottom: 1.35rem; color: var(--ochre); }
.loan-card h3, .step-grid h3 { font-size: clamp(1.35rem, 2vw, 1.68rem); line-height: 1.12; letter-spacing: -.025em; }
.loan-card p { margin: .65rem 0 1.1rem; color: var(--body); font-size: .93rem; }
.text-link {
  display: inline-flex;
  align-items: baseline;
  gap: .35rem;
  min-height: 30px;
  color: #704c25;
  font-size: .89rem;
  font-weight: 720;
  text-decoration-thickness: 1px;
  text-underline-offset: 4px;
}
.text-link:hover { color: #2d1e0d; }
.loan-card .text-link { margin-top: auto; }

.people { border-block: 1px solid var(--rule); background: var(--sand); }
.team-story { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 6.5vw, 6rem); align-items: center; }
.family {
  position: relative;
  padding: .48rem;
  border: 1px solid #d2c0a4;
  border-radius: 4px;
  background: #fcf7ef;
  box-shadow: 0 12px 28px #3f2b1912;
}
.family img { width: 100%; height: auto; border-radius: 2px; }
.family figcaption { padding: .4rem .25rem 0; color: #66503a; font-size: .72rem; font-weight: 660; letter-spacing: .09em; text-transform: uppercase; }
.team-intro h2 { text-wrap: initial; }
.team-intro > p:not(.eyebrow) { max-width: 43ch; margin: 1rem 0 .9rem; }
.team-intro .text-link { margin-right: 1.1rem; }
.broker-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.5rem; }
.broker {
  display: grid;
  grid-template-columns: minmax(106px, 32%) minmax(0, 1fr);
  align-items: stretch;
  overflow: hidden;
  min-width: 0;
  border: 1px solid var(--rule);
  border-radius: 5px;
  background: #fcf7ef;
}
.broker img { width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; object-position: center top; }
.broker > div { align-self: center; padding: .8rem clamp(.8rem, 2vw, 1.45rem); }
.broker h3 { font-size: clamp(1.27rem, 2.3vw, 1.9rem); line-height: 1.12; letter-spacing: -.025em; }
.broker p { margin: .35rem 0 .6rem; color: var(--body); font-size: .9rem; }
.broker a { color: #785323; font-size: .8rem; font-weight: 700; text-underline-offset: 3px; }

.step-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.5rem;
  margin: 0;
  padding: 0;
  list-style: none;
}
.step-grid li { padding-top: .95rem; border-top: 1px solid #cab290; }
.step-grid li > span {
  display: inline-grid;
  width: 2.3rem;
  height: 2.3rem;
  place-items: center;
  margin-bottom: .85rem;
  border: 1px solid #bd9c6e;
  border-radius: 50%;
  color: var(--ochre);
  font-size: .77rem;
  font-weight: 700;
}
.step-grid p { margin-top: .55rem; color: var(--body); font-size: .93rem; }

.answers { padding-top: 0; }
.answers-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: clamp(1.3rem, 5vw, 5rem); border-top: 1px solid var(--rule); padding-top: clamp(3rem, 6vw, 5.4rem); }
.answer-intro { max-width: 34ch; margin: 1rem 0 .65rem; }
.answer-list details { border-bottom: 1px solid var(--rule); }
.answer-list details:first-child { border-top: 1px solid var(--rule); }
.answer-list summary {
  position: relative;
  display: flex;
  justify-content: space-between;
  gap: .8rem;
  padding: 1.05rem .1rem;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 660;
  list-style: none;
}
.answer-list summary::-webkit-details-marker { display: none; }
.answer-list summary::after { content: "+"; color: var(--ochre); font-weight: 500; }
.answer-list details[open] summary::after { content: "−"; }
.answer-list p { max-width: 60ch; padding: 0 1.2rem 1rem .1rem; color: var(--body); font-size: .96rem; }
.answer-list p a { text-underline-offset: 3px; }

.contact {
  border-top: 1px solid #856a40;
  background: radial-gradient(ellipse at 20% 110%, #314c3e, transparent 65%), #182b24;
  color: #fff9ed;
}
.contact-inner { display: grid; grid-template-columns: 1fr .58fr; gap: 2rem; align-items: center; padding-block: clamp(3rem, 6.5vw, 5.8rem); }
.contact .eyebrow, .contact h2 em { color: var(--gold); }
.contact h2 { text-wrap: initial; }
.contact p:not(.eyebrow) { max-width: 46ch; margin-top: .9rem; color: #e9ebdf; }
.contact-actions { display: grid; width: min(100%, 19rem); gap: .55rem; justify-self: end; }
.contact-apply { padding: .4rem .1rem; color: #f5dcaf; font-size: .88rem; font-weight: 650; text-align: center; text-underline-offset: 4px; }

.site-footer { background: var(--night); color: #eee5d6; font-size: .87rem; }
.footer-grid { display: grid; grid-template-columns: 1.55fr 1fr 1fr; gap: 1.4rem; padding-block: 2.45rem; }
.footer-grid a { display: block; width: fit-content; padding-block: .2rem; text-decoration: none; }
.footer-grid a:hover { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }
.footer-brand { color: #f7dba5; font: 1.6rem/1.08 var(--serif); }
.footer-grid p { margin: .35rem 0; color: #cec4b4; }
.footer-bottom { display: flex; align-items: center; flex-wrap: wrap; justify-content: space-between; gap: .8rem; padding-block: .9rem; border-top: 1px solid #574c3a; color: #cfc4b4; font-size: .76rem; }
.footer-housing { display: inline-flex; align-items: center; gap: .65rem; }

@media (max-width: 940px) {
  .frame { width: min(1160px, 100% - 3rem); }
  .loan-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 760px) {
  .frame { width: min(1160px, 100% - 2.25rem); }
  .header-inner { grid-template-columns: 1fr 1fr; min-height: 58px; }
  .desktop-nav, .header-phone { display: none; }
  .mobile-menu { display: block; }
  .mobile-menu summary {
    display: inline-flex;
    min-height: 44px;
    align-items: center;
    gap: .65rem;
    color: #f6efe3;
    cursor: pointer;
    font-size: .92rem;
    font-weight: 650;
    list-style: none;
  }
  .mobile-menu summary::-webkit-details-marker { display: none; }
  .menu-icon { position: relative; width: 1rem; height: .66rem; border-block: 1px solid var(--gold); }
  .menu-icon::after { position: absolute; top: 50%; inset-inline: 0; height: 1px; background: var(--gold); content: ""; }
  .mobile-menu nav { position: absolute; top: 100%; right: 0; left: 0; display: grid; padding: .45rem 1.125rem; border-bottom: 1px solid #897453; background: var(--night); }
  .mobile-menu nav a { display: flex; min-height: 46px; align-items: center; }
  .mobile-menu nav a + a { border-top: 1px solid #3f352a; }
  .mobile-menu nav a[aria-current="page"] { color: var(--gold); }
  .header-apply { min-height: 41px; }
  .hero { min-height: 0; }
  .hero-scene { bottom: auto; height: 365px; }
  .hero-scene img { object-position: 77% 56%; }
  .hero-scrim {
    bottom: auto;
    height: 370px;
    background: radial-gradient(ellipse 80% 47% at 50% 25%, #161412bd, #1815142b 90%), linear-gradient(0deg, #151312 2%, #1513120a 41%, #15131246 100%);
  }
  .hero-inner { padding-block: 1.8rem 2.65rem; }
  .hero-logo { width: clamp(194px, 51vw, 257px); margin-bottom: clamp(6.8rem, 25vw, 8.1rem); }
  .hero h1 { margin-top: .72rem; font-size: clamp(2.16rem, 10vw, 4.2rem); }
  .hero h1 em { font-size: .93em; }
  .hero-description { max-width: 34ch; }
  .hero-actions { margin-top: 1.15rem; }
  .hero-actions .button { min-height: 46px; padding: .6rem .7rem; font-size: .82rem; }
  .path-grid { grid-template-columns: 1fr; }
  .path-grid a, .path-grid a:first-child { min-height: 65px; padding: .58rem .3rem; }
  .path-grid a + a { border-top: 1px solid var(--rule); border-left: 0; }
  .path-grid strong { font-size: 1.22rem; }
  .path-grid small { font-size: .79rem; }
  .section-head, .team-story, .answers-grid, .contact-inner { grid-template-columns: 1fr; }
  .section-head { gap: .7rem; margin-bottom: 1.45rem; }
  .section h2, .contact h2 { text-wrap: initial; }
  .section-head > p { max-width: 42ch; }
  .team-story { gap: 1.5rem; }
  .team-intro { grid-row: 1; }
  .team-intro h2 br { display: none; }
  .step-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.3rem 1rem; }
  .contact-actions { justify-self: start; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 465px) {
  .loan-grid, .broker-grid { grid-template-columns: 1fr; }
  .loan-card { padding: 1.15rem; }
  .loan-card svg { margin-bottom: .7rem; }
  .loan-card p { margin-bottom: .62rem; }
  .broker-grid { margin-top: .9rem; }
  .broker img { max-height: 136px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; }
}