/* Capital Means Finance — cream paper + navy + gold Superdesign */
:root {
  --paper: #fcf9f2;
  --cream: #f7f3ea;
  --cream-deep: #efe8da;
  --ink: #0a1f33;
  --ink-2: #143650;
  --navy-deep: #071929;
  --blue: #1a4f6b;
  --gold: #c59d5f;
  --gold-light: #e0c48a;
  --gold-soft: rgba(197, 157, 95, 0.18);
  --line: #d4cbb8;
  --text: #1c2a38;
  --muted: #667584;
  --header-bg: rgba(252, 249, 242, 0.96);
  --shadow: 0 14px 40px rgba(10, 31, 51, 0.08);
  --max: 1120px;
  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: "Source Sans 3", "Source Sans Pro", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17.5px;
  line-height: 1.65;
  color: var(--text);
  background:
    radial-gradient(ellipse 80% 50% at 70% -10%, rgba(224, 196, 138, 0.28), transparent 55%),
    radial-gradient(ellipse 60% 40% at 10% 20%, rgba(239, 232, 218, 0.9), transparent 50%),
    var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

.wrap {
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-sans);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 0.85rem;
}
h1, h2, h3 {
  font-family: var(--font-serif);
  color: var(--ink);
  line-height: 1.15;
  font-weight: 600;
  margin: 0 0 0.75rem;
}
h1 { font-size: clamp(2.35rem, 5vw, 3.55rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.85rem, 3.5vw, 2.55rem); letter-spacing: -0.015em; }
h3 { font-size: 1.35rem; }
.lead { font-size: 1.12rem; color: var(--ink-2); max-width: 40rem; margin: 0 0 1rem; }
.muted { color: var(--muted); }
.section { padding: 4.75rem 0; }
.section--cream { background: var(--cream); }
.section-head { text-align: center; margin-bottom: 0.5rem; }
.section-head .lead { margin-inline: auto; }

/* Buttons — sharp corners per Superdesign */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  border: 1px solid transparent;
  border-radius: 2px;
  padding: 0.95rem 1.45rem;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.15s;
}
.btn:active { transform: translateY(1px); }
.btn--gold {
  background: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}
.btn--gold:hover { background: var(--gold-light); color: var(--ink); }
.btn--navy {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}
.btn--navy:hover { background: var(--ink-2); color: var(--paper); }
.btn--ghost {
  background: transparent;
  color: var(--cream);
  border-color: rgba(247, 243, 234, 0.35);
}
.btn--ghost:hover { border-color: var(--gold-light); color: var(--gold-light); }
.btn--block { width: 100%; }
.btn--sm { padding: 0.62rem 1rem; font-size: 0.78rem; }

/* Utility bar */
.utility-bar {
  background: var(--ink);
  color: rgba(252, 249, 242, 0.92);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.utility-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  min-height: 2.35rem;
  padding-block: 0.45rem;
}
.utility-bar a {
  color: inherit;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  letter-spacing: 0.08em;
  text-transform: none;
  font-size: 0.85rem;
  font-weight: 650;
}
.utility-bar a:hover { color: var(--gold-light); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--header-bg);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(10, 31, 51, 0.08);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 4.35rem;
  padding-block: 0.65rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  text-decoration: none;
  color: var(--ink);
  flex-shrink: 0;
}
.logo-mark {
  width: 2.55rem;
  height: 2.55rem;
  border: 1.5px solid var(--gold);
  display: grid;
  place-items: center;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--ink);
  letter-spacing: 0.04em;
  background: transparent;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  font-weight: 600;
}
.logo-text span {
  font-size: 0.68rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
}
.nav {
  display: flex;
  align-items: center;
  gap: 1.35rem;
}
.nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 550;
}
.nav a:hover {
  color: var(--ink);
  border-bottom: 2px solid var(--gold);
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}
.header-phone {
  color: var(--ink);
  font-weight: 650;
  text-decoration: none;
  font-size: 0.98rem;
  white-space: nowrap;
}
.header-phone:hover { color: var(--blue); }
.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--ink);
  color: var(--ink);
  padding: 0.45rem 0.75rem;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  cursor: pointer;
  border-radius: 2px;
}

/* Hero */
.hero {
  position: relative;
  padding: 3.75rem 0 4.25rem;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 2.75rem;
  align-items: start;
}
.hero-italic {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(1.25rem, 2.4vw, 1.65rem);
  color: var(--ink);
  margin: 0 0 1rem;
  font-weight: 500;
}
.hero-copy .trust {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  margin-top: 1.35rem;
  color: var(--muted);
  font-size: 0.98rem;
}
.hero-copy .trust svg { flex-shrink: 0; margin-top: 0.15rem; color: var(--gold); }
.media-frame {
  background: var(--ink);
  box-shadow: var(--shadow);
}
.media-disclaimer {
  margin: 0;
  padding: 0.55rem 0.85rem;
  font-size: 0.62rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(252, 249, 242, 0.88);
  line-height: 1.4;
  text-align: center;
}
.hero-photo {
  position: relative;
  overflow: hidden;
  background: var(--cream);
}
.hero-photo img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center top;
}
.dual-path {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.85rem 1.25rem;
  margin: 1.4rem 0 0.25rem;
}
.secondary-call {
  color: var(--ink);
  font-weight: 500;
  margin: 0;
}
.secondary-call a {
  color: var(--ink);
  font-weight: 700;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

/* Form */
.form-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 2.5rem;
  align-items: start;
}
.form-bullets {
  margin: 1.25rem 0 0;
  padding: 0;
  list-style: none;
}
.form-bullets li {
  position: relative;
  padding: 0.45rem 0 0.45rem 1.4rem;
  color: var(--ink-2);
  border-bottom: 1px solid rgba(10, 31, 51, 0.08);
}
.form-bullets li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.95rem;
  width: 0.55rem;
  height: 0.55rem;
  background: var(--gold);
}
.hero-form-card {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.1);
  padding: 1.75rem 1.6rem 1.7rem;
  box-shadow: var(--shadow);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.9rem;
}
.form-grid .full { grid-column: 1 / -1; }
label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 0.35rem;
}
input, select, textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  color: var(--text);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 2px;
  padding: 0.72rem 0.85rem;
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--gold-light);
  outline-offset: 1px;
  border-color: var(--gold);
}
textarea { min-height: 5rem; resize: vertical; }
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  opacity: 0 !important;
  pointer-events: none !important;
}
.form-note {
  font-size: 0.86rem;
  color: var(--muted);
  margin: 0.85rem 0 0;
  line-height: 1.5;
}
.form-status {
  margin-top: 0.85rem;
  padding: 0.85rem 1rem;
  border-radius: 2px;
  font-size: 0.98rem;
  display: none;
}
.form-status.is-visible { display: block; }
.form-status.is-success {
  background: rgba(26, 79, 107, 0.08);
  border: 1px solid rgba(26, 79, 107, 0.25);
  color: var(--ink);
}
.form-status.is-error {
  background: rgba(10, 31, 51, 0.05);
  border: 1px solid rgba(10, 31, 51, 0.2);
  color: var(--ink);
}

/* Stats band */
.stats-band {
  background: var(--ink);
  color: var(--cream);
  padding: 2.75rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat {
  padding: 1rem 1.25rem;
  text-align: center;
  border-right: 1px solid rgba(252, 249, 242, 0.12);
}
.stat:last-child { border-right: 0; }
.stat strong {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: var(--gold-light);
  font-weight: 600;
  line-height: 1.1;
  margin-bottom: 0.45rem;
}
.stat span {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 650;
  color: rgba(247, 243, 234, 0.82);
}

/* How it works */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.15rem;
  margin-top: 2.25rem;
}
.step {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.08);
  border-top: 3px solid var(--gold);
  padding: 1.45rem 1.25rem 1.5rem;
  box-shadow: 0 8px 24px rgba(10, 31, 51, 0.04);
}
.step-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.85rem;
}
.step-num {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  color: var(--gold);
  font-weight: 600;
}
.step-icon { color: var(--gold); font-size: 1.1rem; opacity: 0.85; }
.step h3 { margin-bottom: 0.45rem; }
.step p { margin: 0; color: var(--muted); font-size: 0.98rem; }
.process-lock { margin-top: 1.75rem; max-width: 42rem; }

/* Calculator */
.calc {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.35rem;
  margin-top: 1.75rem;
}
.calc-panel {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.1);
  padding: 1.5rem;
  box-shadow: 0 4px 20px rgba(10, 31, 51, 0.04);
}
.calc-panel--accent {
  border-top: 3px solid var(--gold);
}
.calc-panel h3 {
  font-size: 1.2rem;
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--line);
}
.calc-controls {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.08);
  padding: 1.5rem;
  margin-top: 1.5rem;
}
.control-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.control {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.control input[type="range"] {
  padding: 0;
  accent-color: var(--gold);
  cursor: pointer;
}
.control-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.5rem;
}
.control-value {
  font-weight: 700;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.toggle-group {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}
.toggle-group button {
  font: inherit;
  font-size: 0.92rem;
  font-weight: 600;
  padding: 0.55rem 0.9rem;
  border-radius: 2px;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--ink);
  cursor: pointer;
}
.toggle-group button[aria-pressed="true"] {
  background: var(--ink);
  color: var(--cream);
  border-color: var(--ink);
}
.line-items { list-style: none; margin: 0; padding: 0; }
.line-items li {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(215, 222, 223, 0.7);
  font-size: 0.98rem;
}
.line-items li span:last-child {
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.line-items .neg { color: #8a4a3a; }
.line-items .total {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--ink);
  border-bottom: none;
  padding-top: 0.85rem;
  margin-top: 0.25rem;
}
.calc-note {
  font-size: 0.88rem;
  color: var(--muted);
  margin: 1rem 0 0;
}
.calc-highlight {
  background: var(--gold-soft);
  border: 1px solid rgba(197, 157, 95, 0.35);
  padding: 0.85rem 1rem;
  margin-top: 1rem;
  font-size: 0.95rem;
}

/* Situations */
.situations--list {
  display: grid;
  gap: 0;
  margin-top: 2rem;
  border: 1px solid rgba(10, 31, 51, 0.1);
  background: #fffef9;
}
.situation {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.25rem;
  padding: 1.5rem 1.5rem;
  border-bottom: 1px solid rgba(10, 31, 51, 0.08);
}
.situation:last-child { border-bottom: 0; }
.sit-num {
  font-family: var(--font-serif);
  color: var(--gold);
  font-size: 1.25rem;
  font-weight: 600;
}
.situation h3 { margin-bottom: 0.4rem; }
.situation p { margin: 0; color: var(--muted); }

/* Counties */
.county-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  margin-top: 2rem;
}
.county-card {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.1);
  padding: 1.5rem 1.35rem;
}
.county-card span {
  display: block;
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 0.65rem;
}
.county-card h3 { margin-bottom: 0.35rem; }
.county-card p { margin: 0; color: var(--muted); font-size: 0.95rem; }

/* About */
.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 2.5rem;
  align-items: start;
  margin-top: 2rem;
}
.about-photos {
  display: grid;
  gap: 1rem;
}
.about-photos figure {
  margin: 0;
  overflow: hidden;
  border: 1px solid rgba(10, 31, 51, 0.08);
  background: var(--cream);
}
.about-photos img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center top;
}
.about-photos figcaption {
  font-size: 0.82rem;
  color: var(--muted);
  padding: 0.65rem 0.85rem;
  background: #fffef9;
}
.source-note {
  font-size: 0.85rem;
  color: var(--muted);
  border-left: 3px solid var(--gold);
  padding-left: 0.85rem;
  margin: 1.25rem 0;
}
.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  margin: 1.25rem 0;
}
.badge {
  display: inline-block;
  font-size: 0.74rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 650;
  color: var(--ink);
  background: var(--gold-light);
  padding: 0.4rem 0.7rem;
  border-radius: 999px;
}

/* FAQ */
.faq {
  max-width: 820px;
  margin: 2rem auto 0;
}
.faq details {
  background: #fffef9;
  border: 1px solid rgba(10, 31, 51, 0.1);
  padding: 1rem 1.15rem;
  margin-bottom: 0.75rem;
}
.faq summary {
  cursor: pointer;
  font-weight: 650;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  font-size: 1.35rem;
  color: var(--gold);
  font-weight: 400;
  line-height: 1;
}
.faq details[open] summary::after { content: "–"; }
.faq details p {
  margin: 0.85rem 0 0.25rem;
  color: var(--muted);
}

/* Final CTA */
.final-cta {
  background: var(--ink);
  color: var(--cream);
  padding: 4.5rem 0;
  text-align: center;
}
.final-cta h2 { color: var(--paper); }
.final-cta .eyebrow { color: var(--gold-light); }
.final-cta .lead { margin-inline: auto; color: rgba(247, 243, 234, 0.85); }
.final-grid {
  display: grid;
  gap: 1.5rem;
  justify-items: center;
}
.final-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.85rem;
}
.counties {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem 1.25rem;
  margin: 1.75rem 0 0;
  font-size: 0.95rem;
  color: rgba(247, 243, 234, 0.75);
  letter-spacing: 0.04em;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(247, 243, 234, 0.78);
  padding: 3rem 0 2rem;
  font-size: 0.95rem;
  border-top: 3px solid var(--ink);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
.site-footer a { color: var(--gold-light); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.site-footer h3 {
  color: var(--paper);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 0.85rem;
}
.logo--footer { margin-bottom: 1rem; }
.logo--footer .logo-mark {
  border-color: var(--gold-light);
  color: var(--paper);
}
.logo--footer .logo-text strong { color: var(--paper); }
.footer-legal {
  border-top: 1px solid rgba(247, 243, 234, 0.12);
  padding-top: 1.35rem;
  font-size: 0.85rem;
  line-height: 1.55;
  color: rgba(247, 243, 234, 0.65);
}
.footer-legal p { margin: 0 0 0.65rem; }

/* Privacy */
.legal-page { padding: 3rem 0 4.5rem; }
.legal-page article { max-width: 760px; margin: 0 auto; }
.legal-page h1 { margin-bottom: 1rem; }
.legal-page h2 { font-size: 1.45rem; margin-top: 2rem; }

/* Mobile */
@media (max-width: 960px) {
  .hero-grid,
  .about-grid,
  .calc,
  .form-layout { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat { border-right: 0; border-bottom: 1px solid rgba(252, 249, 242, 0.12); }
  .control-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav { display: none; }
  .nav.is-open {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--header-bg);
    border-bottom: 1px solid rgba(10, 31, 51, 0.1);
    padding: 1rem 1.25rem 1.25rem;
    gap: 0.85rem;
  }
  .nav-toggle { display: inline-flex; }
  .header-inner { position: relative; flex-wrap: wrap; }
  .header-actions .btn { display: none; }
  .utility-inner span { display: none; }
}
@media (max-width: 640px) {
  .wrap { width: min(100% - 1.5rem, var(--max)); }
  .section { padding: 3.25rem 0; }
  .form-grid,
  .steps,
  .county-grid,
  .footer-grid,
  .control-grid,
  .stats-grid { grid-template-columns: 1fr; }
  .header-phone { font-size: 0.9rem; }
  .hero-form-card { padding: 1.2rem; }
  .dual-path { flex-direction: column; align-items: flex-start; }
  .situation { grid-template-columns: 1fr; gap: 0.35rem; }
}