/* ============================================================
   SEQUOIA LENDING SOLUTIONS — Master Stylesheet v5.0
   Fonts: Montserrat (headings — clean, modern, refined)
          Noto Sans (body)
   Colors: #A46641 copper | #093744 dark teal | #111C24 dark
   ============================================================ */

/* ── FONT IMPORTS ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,300;1,400;1,500&family=Noto+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400&display=swap');

/* ── CSS VARIABLES ────────────────────────────────────────── */
:root {
  --copper:      #A46641;
  --copper-dk:   #8B5230;
  --copper-lt:   #C2845A;
  --copper-pale: #F5EDE5;
  --dark:        #093744;
  --dark-mid:    #111C24;
  --dark-deep:   #050a0f;
  --dark-teal:   #093744;
  --slate:       #4C545A;
  --slate-lt:    #6B7580;
  --slate-pale:  #9AA2A8;
  --white:       #FFFFFF;
  --off-white:   #F8F6F3;
  --light-bg:    #F2EDE8;
  --border:      #E2D8CF;
  --border-dk:   #C8BDB5;

  /* Typography */
  --font-head:  'Montserrat', 'Noto Sans', Arial, sans-serif;
  --font-body:  'Noto Sans', system-ui, -apple-system, sans-serif;

  /* Spacing */
  --section-pad: 88px;
  --container:   1220px;
  --gutter:      48px;

  /* Radii & Shadows */
  --radius:    8px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --shadow-sm: 0 2px 8px rgba(9,55,68,0.07);
  --shadow-md: 0 6px 24px rgba(9,55,68,0.10);
  --shadow-lg: 0 16px 48px rgba(9,55,68,0.13);
  --shadow-xl: 0 32px 80px rgba(9,55,68,0.16);

  /* Transitions */
  --ease: cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --trans: 0.22s var(--ease);
}

/* ── RESET & BASE ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--dark-mid);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── TYPOGRAPHY ───────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  line-height: 1.15;
  letter-spacing: 0.01em;
  color: var(--dark-mid);
}
h1 { font-size: clamp(2.4rem, 4.5vw, 3.6rem); font-weight: 600; }
h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 600; }
h3 { font-size: clamp(1.3rem, 2vw, 1.75rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
h5 { font-size: 0.95rem; font-weight: 600; }
p  { font-family: var(--font-body); font-size: 1rem; line-height: 1.72; color: var(--slate); }

/* Section heading all-caps Raleway accent */
.heading-caps {
  font-family: var(--font-head);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 0.75rem;
}
.copper-line {
  width: 48px; height: 3px;
  background: var(--copper);
  border-radius: 2px;
  margin: 1rem 0 1.75rem;
}

/* ── LAYOUT ───────────────────────────────────────────────── */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.section { padding: var(--section-pad) 0; }
.section-sm { padding: 56px 0; }

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius);
  transition: all var(--trans);
  white-space: nowrap;
  border: 2px solid transparent;
}
.btn-sm { padding: 10px 20px; font-size: 0.75rem; }
.btn-lg { padding: 17px 36px; font-size: 0.88rem; }

.btn-primary {
  background: var(--copper);
  color: var(--white);
  border-color: var(--copper);
}
.btn-primary:hover { background: var(--copper-dk); border-color: var(--copper-dk); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(164,102,65,0.35); }

.btn-outline {
  background: transparent;
  color: var(--dark);
  border-color: var(--dark);
}
.btn-outline:hover { background: var(--dark); color: var(--white); transform: translateY(-1px); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.12); border-color: var(--white); }

.btn-dark {
  background: var(--dark-mid);
  color: var(--white);
  border-color: var(--dark-mid);
}
.btn-dark:hover { background: var(--dark); border-color: var(--dark); transform: translateY(-1px); }

.btn-group { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* ── NAVIGATION ───────────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(9,55,68,0.07);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--gutter);
  height: 76px;
  max-width: 100%;
  transition: all var(--trans);
}
.nav.scrolled {
  height: 68px;
  box-shadow: 0 4px 24px rgba(9,55,68,0.10);
}

/* Logo block — home page uses .nav-logo */
.nav-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
  text-decoration: none;
  flex-shrink: 0;
  min-width: 0;
}
.nav-logo img { height: 32px; width: auto; display: block; }
.nav-logo-sub {
  font-family: var(--font-head);
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  color: var(--slate);
  text-transform: uppercase;
  line-height: 1;
  white-space: nowrap;
  margin-top: 4px;
  text-align: center;
  margin-left: -4px;
}

/* Inner pages use .nav-brand / .nav-inner */
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  height: 100%;
}
.nav-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
  text-decoration: none;
  flex-shrink: 0;
  min-width: 0;
}
.nav-brand .nav-logo-img,
.nav-brand img { height: 32px; width: auto; display: block; }
.nav-division {
  font-family: var(--font-head);
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  color: var(--slate);
  text-transform: uppercase;
  line-height: 1;
  white-space: nowrap;
  margin-top: 4px;
  text-align: center;
  margin-left: -4px;
}

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-family: var(--font-head);
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--slate);
  padding: 8px 12px;
  border-radius: var(--radius);
  transition: all var(--trans);
}
.nav-links a:hover { color: var(--copper); background: var(--copper-pale); }
.nav-links a.active { color: var(--copper); }

/* Nav CTA */
.nav-cta { flex-shrink: 0; }

/* Mobile hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius);
}
.nav-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--dark-mid);
  border-radius: 2px;
  transition: all var(--trans);
}
.nav-mobile {
  display: none;
  position: fixed;
  top: 76px; left: 0; right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  flex-direction: column;
  padding: 16px var(--gutter) 24px;
  gap: 4px;
  z-index: 999;
  box-shadow: var(--shadow-md);
}
.nav-mobile a {
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--slate);
  padding: 10px 12px;
  border-radius: var(--radius);
  transition: color var(--trans);
}
.nav-mobile a:hover, .nav-mobile a.active { color: var(--copper); background: var(--copper-pale); }
.nav-mobile .btn { margin-top: 8px; justify-content: center; }
/* Inner page mobile nav (ul-based) */
.nav-mobile ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 4px; }
.nav-mobile ul li a {
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--slate);
  padding: 10px 12px;
  border-radius: var(--radius);
  display: block;
  transition: color var(--trans);
}
.nav-mobile ul li a:hover { color: var(--copper); background: var(--copper-pale); }

/* ── HOME HERO ────────────────────────────────────────────── */
.hero {
  padding-top: 76px;
  background: var(--white);
  overflow: hidden;
  position: relative;
}
.hero-inner {
  position: relative;
  min-height: 760px;
  display: flex;
  align-items: center;
}
/* Full-bleed hero background image */
.hero-image {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}
.hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
}
/* Left-to-right gradient overlay — text readable on left, image visible on right */
.hero-image::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(255,255,255,1)   0%,
    rgba(255,255,255,0.97) 12%,
    rgba(255,255,255,0.88) 26%,
    rgba(255,255,255,0.60) 42%,
    rgba(255,255,255,0.20) 60%,
    rgba(255,255,255,0.05) 75%,
    transparent           88%
  );
  z-index: 1;
  pointer-events: none;
}
.hero-content {
  padding: 100px var(--hero-pad, var(--gutter)) 100px;
  max-width: 600px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 0;
  position: relative;
  z-index: 2;
}
.hero-content .eyebrow { margin-bottom: 1rem; }
.hero-content h1 {
  color: var(--dark-mid);
  margin-bottom: 1.25rem;
  letter-spacing: 0.01em;
  text-transform: uppercase;
  font-weight: 600;
  font-size: clamp(1.7rem, 3.2vw, 3.2rem);
  line-height: 1.15;
  max-width: 640px;
}
.hero-content h1 span { color: var(--copper); }
.hero-content p {
  font-size: 1.05rem;
  color: var(--slate);
  max-width: 520px;
  margin-bottom: 2rem;
  line-height: 1.75;
}

/* ── METRICS BAR ──────────────────────────────────────────── */
.metrics-bar {
  background: var(--dark);
  padding: 36px 0;
}
.metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
}
.metric-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 32px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.metric-item:last-child { border-right: none; }
.metric-num {
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 600;
  color: var(--copper-lt);
  letter-spacing: -0.01em;
  line-height: 1;
  margin-bottom: 6px;
}
.metric-num span { color: var(--copper-lt); }
.metric-label {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}

/* ── PLATFORM / ABOUT ─────────────────────────────────────── */
.platform-section {
  background: #0d2f3a;
  padding: var(--section-pad) 0;
}
.platform-inner {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 64px;
  align-items: start;
}
.platform-content h2 { margin-bottom: 1rem; color: var(--white); }
.platform-content p { margin-bottom: 1.25rem; color: rgba(255,255,255,0.65); }
.platform-content .eyebrow { color: var(--copper-lt) !important; }
.platform-features {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 2.5rem;
}
.platform-feature {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.platform-feature-icon {
  width: 36px; height: 36px;
  background: rgba(194,132,90,0.18);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.platform-feature-icon svg { width: 16px; height: 16px; color: var(--copper-lt); }
.platform-feature-text h5 {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 3px;
}
.platform-feature-text p { font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.5; }
/* ── PLATFORM FLYER CARD (right column) ─────────────────── */
.platform-flyer {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 32px 28px 28px;
  gap: 20px;
  text-align: center;
  position: sticky;
  top: 100px;
}
.platform-flyer-thumb {
  width: 100%;
  height: 160px;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius);
  border: 2px solid rgba(255,255,255,0.15);
  box-shadow: 0 8px 24px rgba(0,0,0,0.3);
  display: block;
}
.platform-flyer-text { flex: 1; }
.platform-flyer-text .eyebrow { color: var(--copper-lt); margin-bottom: 8px; }
.platform-flyer-text h4 { color: var(--white); font-size: 1.05rem; margin-bottom: 8px; }
.platform-flyer-text p { color: rgba(255,255,255,0.55); font-size: 0.85rem; line-height: 1.55; margin-bottom: 0; }
.platform-flyer .btn { width: 100%; justify-content: center; margin-top: 4px; }


/* ── COMPREHENSIVE LENDING + INQUIRY FORM (side-by-side) ──── */
.lending-inquiry-section {
  background: var(--white);
  padding: var(--section-pad) 0;
  border-top: 1px solid var(--border);
}
.lending-inquiry-inner {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 64px;
  align-items: start;
}
.lending-content { padding-top: 8px; }
.lending-content h2 { margin-bottom: 1rem; }
.lending-content .copper-line { margin-bottom: 1.5rem; }
.lending-content p { margin-bottom: 1.25rem; font-size: 0.97rem; }
.lending-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 2rem;
}
.lending-feature {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.lending-feature-icon {
  width: 34px; height: 34px;
  background: var(--copper-pale);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.lending-feature-icon svg { width: 15px; height: 15px; color: var(--copper); }
.lending-feature-text h5 { font-size: 0.8rem; font-weight: 700; color: var(--dark-mid); margin-bottom: 2px; }
.lending-feature-text p { font-size: 0.8rem; color: var(--slate-lt); line-height: 1.5; margin: 0; }

/* ── SLEEK INQUIRY FORM CARD ──────────────────────────────── */
.inquiry-form-card {
  background: var(--dark);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  position: sticky;
  top: 96px;
}
.inquiry-form-header {
  background: linear-gradient(135deg, var(--dark) 0%, #0d4d5e 100%);
  padding: 28px 32px 24px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.inquiry-form-header .eyebrow { color: var(--copper-lt); margin-bottom: 6px; }
.inquiry-form-header h3 {
  color: var(--white);
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.inquiry-form-header p { color: rgba(255,255,255,0.55); font-size: 0.82rem; line-height: 1.5; margin: 0; }

.inquiry-form-body { padding: 24px 32px 28px; }
.inquiry-form-body .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.inquiry-form-body .form-row.full { grid-template-columns: 1fr; }
.inquiry-form-body .form-group { display: flex; flex-direction: column; gap: 5px; margin-bottom: 12px; }
.inquiry-form-body label {
  font-family: var(--font-head);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}
.inquiry-form-body input,
.inquiry-form-body select,
.inquiry-form-body textarea {
  width: 100%;
  background: rgba(255,255,255,0.07);
  border: 1.5px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 11px 14px;
  font-family: var(--font-body);
  font-size: 0.88rem;
  color: var(--white);
  outline: none;
  transition: border-color var(--trans), background var(--trans), box-shadow var(--trans);
  -webkit-appearance: none;
  appearance: none;
  box-sizing: border-box;
}
.inquiry-form-body input::placeholder,
.inquiry-form-body textarea::placeholder { color: rgba(255,255,255,0.28); }
.inquiry-form-body input:focus,
.inquiry-form-body select:focus,
.inquiry-form-body textarea:focus {
  border-color: var(--copper-lt);
  background: rgba(255,255,255,0.11);
  box-shadow: 0 0 0 3px rgba(164,102,65,0.2);
}
.inquiry-form-body select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='rgba(255,255,255,0.35)' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-color: rgba(255,255,255,0.07);
  padding-right: 36px;
  cursor: pointer;
}
.inquiry-form-body select option { background: var(--dark-mid); color: var(--white); }
.inquiry-form-body textarea { resize: vertical; min-height: 68px; }
.inquiry-form-body .form-divider {
  height: 1px;
  background: rgba(255,255,255,0.07);
  margin: 16px 0;
}
.inquiry-submit-btn {
  width: 100%;
  background: var(--copper);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 15px 20px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all var(--trans);
  margin-top: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.inquiry-submit-btn:hover { background: var(--copper-dk); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(164,102,65,0.4); }
.inquiry-form-footer {
  padding: 0 32px 20px;
}
.inquiry-form-footer p {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.28);
  line-height: 1.5;
  text-align: center;
  margin: 0;
}
.inquiry-success {
  display: none;
  padding: 48px 32px;
  text-align: center;
}
.inquiry-success-icon {
  width: 64px; height: 64px;
  background: rgba(164,102,65,0.15);
  border: 2px solid var(--copper);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 22px;
  color: var(--copper-lt);
}
.inquiry-success h3 { color: var(--white); margin-bottom: 10px; font-size: 1.1rem; }
.inquiry-success p { color: rgba(255,255,255,0.55); font-size: 0.88rem; }

/* ── DOWNLOAD FLYER STRIP ─────────────────────────────────── */
.flyer-strip {
  background: var(--dark);
  padding: 40px 0;
  border-top: 3px solid var(--copper);
  border-bottom: 3px solid var(--copper);
}
.flyer-strip-inner {
  display: flex;
  align-items: center;
  gap: 40px;
  justify-content: space-between;
}
.flyer-thumb {
  width: 72px;
  height: 90px;
  object-fit: cover;
  border-radius: var(--radius);
  border: 2px solid rgba(255,255,255,0.15);
  flex-shrink: 0;
}
.flyer-strip-text { flex: 1; }
.flyer-strip-text .eyebrow { color: var(--copper-lt); }
.flyer-strip-text h3 { color: var(--white); font-size: 1.4rem; margin-bottom: 0.4rem; }
.flyer-strip-text p { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.flyer-strip-actions { display: flex; gap: 12px; flex-shrink: 0; }

/* ── LOAN TYPE TILES ──────────────────────────────────────── */
.loan-tiles-section {
  background: var(--white);
  padding: var(--section-pad) 0;
}
.section-header {
  text-align: center;
  max-width: 860px;
  margin: 0 auto 56px;
}
.section-header .eyebrow { display: block; }
.section-header h2 { margin-bottom: 1rem; line-height: 1.2; }
.section-header p { font-size: 1rem; color: var(--slate); }

.tiles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.tile {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: all var(--trans);
  text-decoration: none;
  position: relative;
}
.tile::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--copper);
  transform: scaleX(0);
  transition: transform var(--trans);
  transform-origin: left;
}
.tile:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--copper-lt); }
.tile:hover::after { transform: scaleX(1); }
.tile-photo {
  width: 100%;
  height: 140px;
  object-fit: cover;
  object-position: center;
  display: block;
}
.tile-body {
  padding: 20px 18px 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}
.tile h4 {
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--dark-mid);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.tile p {
  font-size: 0.8rem;
  color: var(--slate-lt);
  line-height: 1.55;
  flex: 1;
}
.tile-link {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--copper);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--trans);
  margin-top: 4px;
}
.tile:hover .tile-link { gap: 10px; }

/* ── LOAN REQUEST WIZARD ──────────────────────────────────── */
.wizard-section {
  background: var(--off-white);
  padding: var(--section-pad) 0;
}
/* Full-width stacked layout: heading → 2-col bullets → form card */
.wizard-layout {
  display: flex;
  flex-direction: column;
  gap: 40px;
}
.wizard-intro {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.wizard-intro h2 { margin-bottom: 1rem; }
.wizard-intro > p { margin-bottom: 1.25rem; font-size: 0.95rem; max-width: 100%; }
.wizard-intro .copper-line { margin-bottom: 1.5rem; }
.wizard-intro-note { font-size: 0.88rem; color: var(--slate); max-width: 100%; }
.wizard-intro-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 48px;
  margin-top: 0.5rem;
  max-width: 100%;
}
.wizard-intro-feature {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.wizard-intro-feature-dot {
  width: 8px; height: 8px;
  background: var(--copper);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 7px;
}
.wizard-intro-feature p { font-size: 0.88rem; color: var(--slate); line-height: 1.5; margin: 0; }

/* Wizard card */
.wizard-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}
.wizard-header {
  background: var(--dark);
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.wizard-header h3 {
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.wizard-steps-indicator {
  display: flex;
  gap: 8px;
  align-items: center;
}
.step-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  transition: background var(--trans);
}
.step-dot.active { background: var(--copper); width: 24px; border-radius: 4px; }
.step-dot.done { background: rgba(255,255,255,0.5); }

.wizard-body { padding: 36px; }
.wizard-step { display: none; }
.wizard-step.active { display: block; }
.wizard-step-label {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 6px;
}
.wizard-step h4 { font-size: 1.25rem; color: var(--dark-mid); margin-bottom: 1.5rem; }
.wizard-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.wizard-grid.full { grid-template-columns: 1fr; }
.wizard-full { grid-template-columns: 1fr !important; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--dark-mid);
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--dark-mid);
  background: var(--white);
  transition: border-color var(--trans), box-shadow var(--trans);
  appearance: none;
  -webkit-appearance: none;
}
.form-control:focus { outline: none; border-color: var(--copper); box-shadow: 0 0 0 3px rgba(164,102,65,0.12); }
select.form-control {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%234C545A' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}
.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.wizard-nav-back {
  font-family: var(--font-head);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--slate-lt);
  padding: 10px 0;
  transition: color var(--trans);
  background: none; border: none; cursor: pointer;
}
.wizard-nav-back:hover { color: var(--dark-mid); }
.wizard-progress {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--slate-pale);
  letter-spacing: 0.06em;
}
.wizard-success {
  display: none;
  text-align: center;
  padding: 48px 36px;
}
.wizard-success-icon {
  width: 64px; height: 64px;
  background: var(--copper-pale);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 24px;
  color: var(--copper);
}
.wizard-success h3 { color: var(--dark-mid); margin-bottom: 8px; }
.wizard-success p { color: var(--slate); font-size: 0.9rem; }
.wizard-success-sub { font-size: 0.78rem !important; color: var(--slate-lt) !important; margin-top: 8px; }

/* ── WIZARD SECTION (side-by-side) ──────────────────────────── */
.wizard-section {
  background: var(--off-white);
  padding: var(--section-pad) 0;
  border-top: 1px solid var(--border);
}
.wizard-layout {
  display: flex;
  flex-direction: column;
  gap: 40px;
}
.wizard-intro {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.wizard-intro .eyebrow { margin-bottom: 8px; }
.wizard-intro h2 { color: var(--dark-mid); margin-bottom: 1rem; }
.wizard-intro .copper-line { margin-bottom: 1.5rem; }
.wizard-intro > p { font-size: 0.96rem; color: var(--slate); line-height: 1.7; margin-bottom: 1.5rem; }
.wizard-intro-note {
  font-size: 0.85rem;
  color: var(--slate-lt);
  line-height: 1.6;
  margin-bottom: 0.5rem;
  font-style: italic;
}
.wizard-intro-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 48px;
  margin-top: 0.5rem;
  max-width: 100%;
}
.wizard-intro-feature {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.wizard-intro-feature-dot {
  width: 8px; height: 8px;
  background: var(--copper);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 6px;
}
.wizard-intro-feature p {
  font-size: 0.88rem;
  color: var(--slate);
  line-height: 1.55;
  margin: 0;
}
.wizard-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--border);
}
.wizard-header {
  background: var(--dark);
  padding: 28px 36px 24px;
  text-align: left;
}
.wizard-header .eyebrow { color: var(--copper-lt); margin-bottom: 6px; font-size: 0.9rem; letter-spacing: 0.2em; }
.wizard-header h3 {
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 6px;
  line-height: 1.3;
}
.wizard-steps {
  display: flex;
  gap: 10px;
  justify-content: flex-start;
  margin-top: 16px;
  margin-bottom: 6px;
}
.wizard-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  transition: all 0.25s ease;
  cursor: default;
}
.wizard-dot.active {
  background: var(--copper);
  width: 24px;
  border-radius: 5px;
}
.wizard-dot.done { background: rgba(255,255,255,0.45); }
.wizard-step-label {
  font-family: var(--font-head);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}
.wizard-body {
  padding: 28px 36px 20px;
}
.wizard-step-panel { display: none; }
.wizard-step-panel.active { display: block; }
.wizard-step-title {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--dark-mid);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
/* Wizard uses the shared form-row / form-group / input styles already defined */
.wizard-body .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 0;
}
.wizard-body .form-row.full { grid-template-columns: 1fr; }
.wizard-body .form-group { display: flex; flex-direction: column; gap: 5px; margin-bottom: 14px; }
.wizard-body label {
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--dark-mid);
}
.wizard-body input,
.wizard-body select,
.wizard-body textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--dark-mid);
  background: var(--white);
  transition: border-color var(--trans), box-shadow var(--trans);
  appearance: none;
  -webkit-appearance: none;
  box-sizing: border-box;
}
.wizard-body input:focus,
.wizard-body select:focus,
.wizard-body textarea:focus {
  outline: none;
  border-color: var(--copper);
  box-shadow: 0 0 0 3px rgba(164,102,65,0.1);
}
.wizard-body select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%234C545A' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
  cursor: pointer;
}
.wizard-body textarea { resize: vertical; min-height: 100px; }
.wizard-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 36px 24px;
  border-top: 1px solid var(--border);
  gap: 16px;
}
.wizard-footer-note {
  font-size: 0.75rem;
  color: var(--slate-lt);
  text-align: center;
  flex: 1;
}
.wizard-footer-note.note-left {
  text-align: left;
}
.wizard-btn-back {
  min-width: 110px;
}
.wizard-btn-next {
  min-width: 150px;
}
/* Success state inside wizard */
.wizard-success {
  text-align: center;
  padding: 48px 44px;
}
.wizard-success-icon {
  width: 64px; height: 64px;
  background: var(--copper-pale);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 26px;
  color: var(--copper);
}
.wizard-success h3 { color: var(--dark-mid); font-size: 1.4rem; margin-bottom: 10px; }
.wizard-success p { color: var(--slate); font-size: 0.92rem; line-height: 1.55; }

/* ── SCHEDULER SECTION ────────────────────────────────────── */
.scheduler-section {
  background: var(--white);
  padding: var(--section-pad) 0;
  border-top: 1px solid var(--border);
}
.scheduler-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.scheduler-content h2 { margin-bottom: 1rem; }
.scheduler-content .copper-line { margin-bottom: 1.5rem; }
.scheduler-content p { margin-bottom: 1.25rem; font-size: 0.95rem; }
.scheduler-process {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 2rem;
}
.scheduler-step {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.scheduler-step-num {
  width: 36px; height: 36px;
  background: var(--dark);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 800;
  flex-shrink: 0;
}
.scheduler-step-text h5 { font-size: 0.88rem; color: var(--dark-mid); margin-bottom: 3px; }
.scheduler-step-text p { font-size: 0.82rem; color: var(--slate-lt); line-height: 1.5; margin: 0; }

.scheduler-card {
  background: var(--dark);
  border-radius: var(--radius-xl);
  padding: 44px 40px;
  box-shadow: var(--shadow-xl);
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.scheduler-card-eyebrow { color: var(--copper-lt) !important; }
.scheduler-card h3 { color: var(--white); font-size: 1.5rem; margin-bottom: 0.5rem; }
.scheduler-card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.scheduler-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.scheduler-detail {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.scheduler-detail-icon {
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.scheduler-detail-icon svg { width: 14px; height: 14px; color: var(--copper-lt); }
.scheduler-detail-text p { font-size: 0.85rem; color: rgba(255,255,255,0.7); margin: 0; line-height: 1.5; }
.scheduler-detail-text strong { color: var(--white); display: block; font-size: 0.88rem; margin-bottom: 2px; }

/* ── RESOURCES ────────────────────────────────────────────── */
.resources-section {
  background: var(--off-white);
  padding: var(--section-pad) 0;
}
.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.resource-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all var(--trans);
}
.resource-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.resource-card-icon {
  width: 44px; height: 44px;
  background: var(--copper-pale);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.resource-card-icon svg { width: 20px; height: 20px; color: var(--copper); }
.resource-card h4 { font-size: 0.95rem; margin-bottom: 8px; color: var(--dark-mid); }
.resource-card p { font-size: 0.85rem; color: var(--slate-lt); line-height: 1.55; margin-bottom: 16px; }
.resource-card-link {
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--copper);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--trans);
}
.resource-card:hover .resource-card-link { gap: 10px; }

/* ── TESTIMONIAL / QUOTE ──────────────────────────────────── */
.quote-section {
  background: var(--dark);
  padding: 72px 0;
}
.quote-inner {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}
.quote-mark {
  font-size: 5rem;
  line-height: 0.5;
  color: var(--copper);
  font-family: Georgia, serif;
  margin-bottom: 24px;
  display: block;
  opacity: 0.5;
}
.quote-inner blockquote {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-style: italic;
  color: rgba(255,255,255,0.88);
  line-height: 1.75;
  margin-bottom: 24px;
}
.quote-inner cite {
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--copper-lt);
}

/* ── CTA BANNER ───────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--copper) 0%, var(--copper-dk) 100%);
  padding: 72px 0;
}
.cta-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-banner h2 { color: var(--white); font-size: 2rem; margin-bottom: 0.5rem; }
.cta-banner p { color: rgba(255,255,255,0.75); font-size: 1rem; }
.cta-banner-actions { display: flex; gap: 14px; flex-shrink: 0; }

/* ── FOOTER ───────────────────────────────────────────────── */
.footer {
  background: var(--dark-deep);
  padding: 64px 0 0;
  border-top: 3px solid var(--copper);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand img { height: 36px; margin-bottom: 16px; filter: brightness(0) invert(1); }
.footer-brand p { font-size: 0.85rem; color: rgba(255,255,255,0.45); line-height: 1.65; margin-bottom: 20px; }
.footer-contact h5,
.footer-links h5 {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
}
.footer-contact p { font-size: 0.85rem; color: rgba(255,255,255,0.6); line-height: 1.7; }
.footer-contact a { color: rgba(255,255,255,0.6); transition: color var(--trans); }
.footer-contact a:hover { color: var(--copper-lt); }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.6); transition: color var(--trans); }
.footer-links ul li a:hover { color: var(--copper-lt); }
.footer-legal {
  padding: 20px 0;
}
.footer-legal p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.25);
  line-height: 1.7;
}
.footer-legal a { color: rgba(255,255,255,0.35); transition: color var(--trans); }
.footer-legal a:hover { color: var(--copper-lt); }

/* ── INNER PAGE: NAV OVERRIDE ─────────────────────────────── */
/* Inner pages use .nav with .nav-inner wrapper */
.nav .nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  height: 100%;
  gap: 24px;
}

/* ── INNER PAGE: HERO ─────────────────────────────────────── */
.inner-hero {
  padding-top: 76px;
  position: relative;
  overflow: hidden;
  min-height: 460px;
  display: flex;
  align-items: flex-end;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.inner-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(9,55,68,0.82) 0%,
    rgba(9,55,68,0.60) 45%,
    rgba(9,55,68,0.20) 100%
  );
}
.inner-hero .container { position: relative; z-index: 2; width: 100%; }
.inner-hero-content {
  padding: 60px 0 56px;
  max-width: 640px;
}
.inner-hero-eyebrow {
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper-lt);
  margin-bottom: 12px;
  display: block;
}
.inner-hero-title {
  color: var(--white);
  font-size: clamp(1.6rem, 3vw, 2.75rem);
  margin-bottom: 1rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 1.2;
  max-width: 680px;
  white-space: normal;
}
.inner-hero-sub {
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  max-width: 520px;
  margin-bottom: 1.75rem;
  line-height: 1.72;
}

/* ── INNER PAGE: BODY LAYOUT ──────────────────────────────── */
.inner-body-section {
  padding: 64px 0 80px;
  background: var(--white);
}
.inner-layout {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 56px;
  align-items: start;
}
.inner-content { min-width: 0; }

/* ── SECTION LABEL ────────────────────────────────────────── */
.section-label {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 1.25rem;
}
.section-sub {
  font-size: 0.9rem;
  color: var(--slate-lt);
  line-height: 1.65;
  max-width: 560px;
}

/* ── FEATURE GRID ─────────────────────────────────────────── */
.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 0.5rem;
}
.feature-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  transition: box-shadow var(--trans), border-color var(--trans);
}
.feature-card:hover { box-shadow: var(--shadow-sm); border-color: var(--copper-lt); }
.feature-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 12px;
  display: flex; align-items: center; justify-content: center;
}
.feature-icon img { width: 100%; height: 100%; object-fit: cover; }
.feature-icon svg { width: 22px; height: 22px; color: var(--copper); }
.feature-icon-bg {
  background: var(--copper-pale);
}
.feature-card h3 {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--dark-mid);
  margin-bottom: 6px;
}
.feature-card p {
  font-size: 0.83rem;
  color: var(--slate-lt);
  line-height: 1.6;
  margin: 0;
}

/* ── WHY LIST ─────────────────────────────────────────────── */
ul.why-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
ul.why-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--slate);
  line-height: 1.55;
}
.why-check {
  color: var(--copper);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── CASE STUDIES (INNER PAGES) ───────────────────────────── */
.case-studies-section { padding-top: 0.5rem; }
.case-studies-section .section-label { margin-bottom: 0.5rem; }
.case-studies-section .section-sub { margin-bottom: 2rem; }
.case-studies-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.case-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow var(--trans), transform var(--trans), border-color var(--trans);
  display: flex;
  flex-direction: column;
}
.case-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--copper-lt); }
.case-card-top {
  background: var(--dark);
  padding: 18px 20px 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.case-tag {
  display: inline-block;
  font-family: var(--font-head);
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--copper-lt);
  background: rgba(164,102,65,0.15);
  padding: 3px 10px;
  border-radius: 100px;
}
.case-amount {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.case-card-body { padding: 18px 20px 14px; flex: 1; }
.case-card-body h4 {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--dark-mid);
  margin-bottom: 8px;
  line-height: 1.4;
}
.case-card-body p {
  font-size: 0.82rem;
  color: var(--slate-lt);
  line-height: 1.65;
  margin-bottom: 0;
}
/* Expandable "read more" text */
.case-more-text {
  font-size: 0.82rem;
  color: var(--slate);
  line-height: 1.65;
  margin-top: 10px;
  display: none;
}
.case-more-text.open { display: block; }
.case-card-footer {
  padding: 12px 20px 16px;
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.case-read-more {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--copper);
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  transition: color var(--trans);
  display: flex; align-items: center; gap: 4px;
}
.case-read-more:hover { color: var(--copper-dk); }
.case-pdf-btn {
  font-family: var(--font-head);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate-lt);
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 5px 12px;
  cursor: pointer;
  transition: all var(--trans);
  display: flex; align-items: center; gap: 5px;
  text-decoration: none;
}
.case-pdf-btn:hover { border-color: var(--copper); color: var(--copper); background: var(--copper-pale); }
.case-pdf-btn svg { width: 11px; height: 11px; }
.case-spacer { flex: 1; }

/* ── SHARE A SCENARIO TOGGLE ──────────────────────────────── */
.share-scenario-section {
  margin-top: 2.5rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.share-scenario-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  background: var(--off-white);
  border: none;
  cursor: pointer;
  text-align: left;
  transition: background var(--trans);
  gap: 12px;
}
.share-scenario-trigger:hover { background: var(--copper-pale); }
.share-scenario-trigger-left { display: flex; align-items: center; gap: 14px; }
.share-scenario-icon {
  width: 38px; height: 38px;
  background: var(--copper);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.share-scenario-icon svg { width: 16px; height: 16px; color: white; }
.share-scenario-title {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--dark-mid);
  display: block;
  margin-bottom: 2px;
}
.share-scenario-sub {
  font-size: 0.78rem;
  color: var(--slate-lt);
}
.share-scenario-chevron {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: transform var(--trans), background var(--trans);
}
.share-scenario-chevron svg { width: 12px; height: 12px; color: var(--slate); transition: transform var(--trans); }
.share-scenario-trigger.open .share-scenario-chevron svg { transform: rotate(180deg); }
.share-scenario-form {
  display: none;
  padding: 24px 22px;
  background: var(--white);
  border-top: 1px solid var(--border);
}
.share-scenario-form.open { display: block; }
.share-scenario-form .scenario-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.share-scenario-form .form-group { display: flex; flex-direction: column; gap: 5px; }
.share-scenario-form label {
  font-family: var(--font-head);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--slate);
}
.share-scenario-form input,
.share-scenario-form select,
.share-scenario-form textarea {
  width: 100%;
  padding: 10px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--dark-mid);
  background: var(--off-white);
  outline: none;
  transition: border-color var(--trans), box-shadow var(--trans);
  -webkit-appearance: none;
  appearance: none;
  box-sizing: border-box;
}
.share-scenario-form input:focus,
.share-scenario-form select:focus,
.share-scenario-form textarea:focus {
  border-color: var(--copper);
  box-shadow: 0 0 0 3px rgba(164,102,65,0.1);
  background: var(--white);
}
.share-scenario-form textarea { resize: vertical; min-height: 72px; }
.share-scenario-form select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%234C545A' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-color: var(--off-white);
  padding-right: 34px;
  cursor: pointer;
}
.share-scenario-form .scenario-submit {
  background: var(--copper);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 12px 24px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all var(--trans);
  margin-top: 8px;
}
.share-scenario-form .scenario-submit:hover { background: var(--copper-dk); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(164,102,65,0.35); }
.scenario-success {
  display: none;
  padding: 16px;
  background: var(--copper-pale);
  border-radius: var(--radius);
  border: 1px solid var(--border-dk);
  text-align: center;
  margin-top: 12px;
}
.scenario-success p { font-size: 0.85rem; color: var(--copper-dk); font-weight: 600; margin: 0; }

/* ── SIDEBAR (INNER PAGES) ────────────────────────────────── */
.inner-sidebar { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 24px; }

/* Sidebar loan form — dark teal with copper/white */
.sidebar-loan-form {
  background: var(--dark);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.sidebar-form-header {
  background: var(--dark);
  padding: 22px 28px 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.sidebar-form-header .sfh-eyebrow {
  font-family: var(--font-head);
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--copper-lt);
  line-height: 1;
}
.sidebar-form-header h3 {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.sidebar-form-header p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.5;
  margin: 0;
}
.sidebar-form-body-heading {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 700;
  color: rgba(255,255,255,0.75);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.sidebar-form-body { padding: 18px 24px 24px; }
.sidebar-form-body .form-group { margin-bottom: 12px; }
.sidebar-form-body .form-group:last-of-type { margin-bottom: 0; }
.sidebar-form-body label {
  font-family: var(--font-head);
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  display: block;
  margin-bottom: 5px;
}
.sidebar-form-body input,
.sidebar-form-body select,
.sidebar-form-body textarea {
  width: 100%;
  background: rgba(255,255,255,0.08);
  border: 1.5px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 10px 13px;
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--white);
  outline: none;
  transition: border-color var(--trans), background var(--trans), box-shadow var(--trans);
  -webkit-appearance: none;
  appearance: none;
  box-sizing: border-box;
}
.sidebar-form-body input::placeholder,
.sidebar-form-body textarea::placeholder { color: rgba(255,255,255,0.28); }
.sidebar-form-body input:focus,
.sidebar-form-body select:focus,
.sidebar-form-body textarea:focus {
  border-color: var(--copper-lt);
  background: rgba(255,255,255,0.12);
  box-shadow: 0 0 0 3px rgba(164,102,65,0.2);
}
.sidebar-form-body select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='rgba(255,255,255,0.4)' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-color: rgba(255,255,255,0.08);
  padding-right: 34px;
  cursor: pointer;
}
.sidebar-form-body select option { background: var(--dark-mid); color: var(--white); }
.sidebar-form-body textarea { resize: vertical; min-height: 72px; }
.sidebar-submit {
  width: 100%;
  background: var(--copper);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 13px 20px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all var(--trans);
  margin-top: 16px;
  display: block;
}
.sidebar-submit:hover { background: var(--copper-dk); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(164,102,65,0.4); }
.sidebar-disclaimer {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.4;
  margin-top: 10px;
  margin-bottom: 0;
  text-align: center;
}
.sidebar-success {
  display: none;
  padding: 32px 24px;
  text-align: center;
}
.sidebar-success .success-icon {
  width: 52px; height: 52px;
  background: rgba(164,102,65,0.15);
  border: 2px solid var(--copper);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
  font-size: 1.2rem;
  color: var(--copper-lt);
}
.sidebar-success h4 { color: var(--white); margin-bottom: 8px; font-size: 0.95rem; }
.sidebar-success p { font-size: 0.82rem; color: rgba(255,255,255,0.5); line-height: 1.5; margin: 0; }

/* Flyer card */
.flyer-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
.flyer-card-thumb {
  background: var(--dark);
  height: 160px;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  overflow: hidden;
}
.flyer-card-thumb img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.flyer-card-body { padding: 18px 20px 20px; }
.flyer-card-tag {
  font-family: var(--font-head);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 6px;
}
.flyer-card-body h4 { font-family: var(--font-head); font-size: 0.9rem; font-weight: 700; color: var(--dark-mid); margin-bottom: 6px; }
.flyer-card-body p { font-size: 0.8rem; color: var(--slate-lt); line-height: 1.55; margin-bottom: 0; }

/* Explore card */
.explore-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 18px 20px;
}
.explore-card h4 {
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--dark-mid);
  margin-bottom: 12px;
}
.explore-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  display: inline-block;
  padding: 5px 14px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 100px;
  font-family: var(--font-head);
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--dark-mid);
  text-decoration: none;
  transition: all var(--trans);
}
.chip:hover { background: var(--copper); border-color: var(--copper); color: var(--white); }

/* ── RISK DISCLOSURE ──────────────────────────────────────── */
.risk-disclosure {
  background: rgba(9,55,68,0.05);
  border-left: 3px solid var(--dark);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
  margin: 2rem 0;
}
.risk-disclosure h4 {
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--dark);
  margin-bottom: 8px;
}
.risk-disclosure p { font-size: 0.78rem; color: var(--slate); line-height: 1.65; margin: 0; }

/* ── FLOATING CTA ─────────────────────────────────────────── */
.floating-cta {
  position: fixed;
  bottom: 32px;
  right: 32px;
  z-index: 500;
  opacity: 0;
  transform: translateY(12px);
  transition: all var(--trans);
  pointer-events: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--dark);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 22px;
  border-radius: 100px;
  box-shadow: var(--shadow-xl);
  border: 2px solid transparent;
  text-decoration: none;
}
.floating-cta.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.floating-cta:hover { background: var(--copper); border-color: var(--copper); transform: translateY(-2px); }
/* Legacy wrapper support */
.floating-cta a {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--dark);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 22px;
  border-radius: 100px;
  box-shadow: var(--shadow-xl);
  transition: all var(--trans);
  border: 2px solid transparent;
}
.floating-cta a:hover { background: var(--copper); border-color: var(--copper); transform: translateY(-2px); }

/* ── UTILITY ──────────────────────────────────────────────── */
.text-copper { color: var(--copper); }
.text-white  { color: var(--white); }
.text-slate  { color: var(--slate); }
.bg-dark     { background: var(--dark); }
.bg-off      { background: var(--off-white); }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* ── RESPONSIVE ───────────────────────────────────────────── */

/* ── WIDE MONITOR BREAKPOINTS ────────────────────────────── */
@media (min-width: 1440px) {
  :root {
    --container: 1360px;
    --gutter: 64px;
    --hero-pad: 80px;
  }
  .nav { padding: 0 80px; }
  .hero-content { padding: 100px 80px 100px; }
}
@media (min-width: 1920px) {
  :root {
    --container: 1600px;
    --gutter: 96px;
    --hero-pad: 120px;
  }
  .nav { padding: 0 120px; }
  .hero-content { padding: 120px 120px 120px; }
  .hero-inner { min-height: 960px; }
}
@media (max-width: 1100px) {
  :root { --gutter: 32px; }
  .tiles-grid { grid-template-columns: repeat(3, 1fr); }
  .platform-inner { gap: 40px; }
  .platform-features { grid-template-columns: repeat(2, 1fr); }
  .inner-layout { grid-template-columns: 1fr 320px; gap: 40px; }
  .wizard-layout { display: flex; flex-direction: column; }
}
@media (max-width: 960px) {
  .lending-inquiry-inner { grid-template-columns: 1fr; }
  .inquiry-form-card { position: static; }
}
@media (max-width: 900px) {
  :root { --section-pad: 64px; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-image { height: 360px; }
  .platform-inner { grid-template-columns: 1fr; }
  .platform-flyer { position: static; }
  .wizard-layout { display: flex; flex-direction: column; }
  .wizard-intro { position: static; }
  .platform-flyer { position: static; }
  .scheduler-layout { grid-template-columns: 1fr; }
  .inner-layout { grid-template-columns: 1fr; }
  .inner-sidebar { position: static; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .cta-banner-inner { flex-direction: column; text-align: center; }
  .flyer-strip-inner { flex-direction: column; text-align: center; }
  .case-studies-grid { grid-template-columns: 1fr; }
}
@media (max-width: 700px) {
  :root { --gutter: 20px; --section-pad: 48px; }
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile.open { display: flex; }
  .tiles-grid { grid-template-columns: 1fr 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .wizard-grid { grid-template-columns: 1fr; }
  .metrics-grid { grid-template-columns: 1fr; gap: 24px; }
  .metric-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding-bottom: 24px; }
  .metric-item:last-child { border-bottom: none; }
  .resources-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .inquiry-form-body .form-row { grid-template-columns: 1fr; }
  .share-scenario-form .scenario-grid { grid-template-columns: 1fr; }
  .lending-features { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .wizard-intro-features { grid-template-columns: 1fr; gap: 12px; }
  .hero-inner { min-height: 400px; }
  .hero-content { padding: 50px var(--gutter) 50px; }
  .tiles-grid { grid-template-columns: 1fr; }
}

/* ── MOBILE: HERO ─────────────────────────────────────────── */
@media (max-width: 768px) {
  /* Hide wizard footer note on mobile */
  #wizard-footer-note, .wizard-footer-note { display: none; }

  /* Hero: full-bleed stacks on mobile */
  .hero-inner { min-height: 480px; }
  .hero-content { padding: 60px var(--gutter) 60px; max-width: 100%; }
  .hero-image::before {
    background: linear-gradient(
      to bottom,
      rgba(255,255,255,0.95) 0%,
      rgba(255,255,255,0.80) 50%,
      rgba(255,255,255,0.30) 100%
    );
  }
  /* Wizard: single-column bullets on mobile */
  .wizard-intro-features { grid-template-columns: 1fr; }
  /* Wizard: stack form fields on mobile */
  .wizard-body .form-row { grid-template-columns: 1fr; }

  .hero-inner {
    grid-template-columns: 1fr;
    min-height: auto;
  }
  .hero-content {
    padding: 80px var(--gutter) 40px;
    z-index: 2;
  }
  .hero-image {
    height: 280px;
    width: 100%;
  }
  .hero-image::before {
    background: linear-gradient(
      to bottom,
      rgba(255,255,255,0.0) 0%,
      rgba(255,255,255,0.5) 70%,
      rgba(255,255,255,1.0) 100%
    );
  }
  .hero-content h1 { font-size: clamp(1.4rem, 5vw, 1.9rem); max-width: 100%; }
  .hero-content p { font-size: 0.95rem; }
  .btn-group { flex-direction: column; gap: 10px; }
  .btn-group .btn { width: 100%; justify-content: center; }

  /* Metrics */
  .metrics-grid { grid-template-columns: 1fr; gap: 0; }
  .metric-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); padding: 20px var(--gutter); }
  .metric-item:last-child { border-bottom: none; }

  /* Platform */
  .platform-inner { grid-template-columns: 1fr; gap: 32px; }
  .platform-features { grid-template-columns: 1fr 1fr; gap: 16px; }
  .platform-flyer { position: static; }

  /* Wizard */
  .wizard-layout { display: flex; flex-direction: column; }
  .wizard-intro { position: static; padding-top: 0; }
  .wizard-card { margin-top: 0; }

  /* Tiles */
  .tiles-grid { grid-template-columns: 1fr 1fr; gap: 16px; }

  /* Scheduler */
  .scheduler-layout { grid-template-columns: 1fr; gap: 32px; }
  .scheduler-card { position: static; }

  /* Inner layout */
  .inner-layout { grid-template-columns: 1fr; gap: 32px; }
  .inner-sidebar { position: static; }
  .inner-hero { min-height: 320px; padding-top: 76px; }
  .inner-hero-content { padding: 40px var(--gutter) 40px; }
  .inner-hero-title { font-size: clamp(1.4rem, 5vw, 2rem); }

  /* Footer */
  .footer-inner { grid-template-columns: 1fr; gap: 24px; }
  .footer-brand { max-width: 100%; }
}

@media (max-width: 480px) {
  .tiles-grid { grid-template-columns: 1fr; }
  .platform-features { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .section-header h2 { font-size: clamp(1.4rem, 5vw, 1.8rem); }
}

/* ═══════════════════════════════════════════════════════════
   SPECIALTY RESOURCE LIBRARY  (specialty-financing.html sidebar)
   ═══════════════════════════════════════════════════════════ */

.spec-resource-library {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  margin-bottom: 1.5rem;
}

/* Header band */
.spec-lib-header {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--dark);
  padding: 14px 18px;
  border-bottom: 2px solid var(--copper);
}
.spec-lib-header svg {
  width: 22px; height: 22px;
  stroke: var(--copper-lt);
  flex-shrink: 0;
}
.spec-lib-eyebrow {
  font-family: var(--font-head);
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--copper-lt);
  margin-bottom: 2px;
}
.spec-lib-title {
  font-family: var(--font-head);
  font-size: 0.95rem;
  font-weight: 700;
  color: #fff;
  line-height: 1.1;
}

/* Intro text */
.spec-lib-intro {
  font-size: 0.78rem;
  color: var(--slate-lt);
  line-height: 1.55;
  padding: 12px 18px 0;
  margin: 0;
}

/* Tab row */
.spec-lib-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
  padding: 10px 18px 8px;
  border-bottom: 1px solid var(--border);
}
.spec-tab {
  font-family: var(--font-head);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--slate);
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 4px 11px;
  cursor: pointer;
  transition: background 0.18s, color 0.18s, border-color 0.18s;
  white-space: nowrap;
}
.spec-tab:hover {
  background: var(--copper-lt);
  color: #fff;
  border-color: var(--copper-lt);
}
.spec-tab.active {
  background: var(--copper);
  color: #fff;
  border-color: var(--copper);
}

/* Flyer list */
.spec-lib-list {
  padding: 6px 0 4px;
}

/* Individual flyer row */
.spec-flyer-row {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 10px 18px;
  border-bottom: 1px solid var(--border);
  transition: background 0.15s;
}
.spec-flyer-row:last-child { border-bottom: none; }
.spec-flyer-row:hover { background: var(--off-white); }

/* Icon bubble */
.spec-flyer-icon {
  width: 36px; height: 36px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.spec-flyer-icon svg { width: 17px; height: 17px; }

.spec-icon-general   { background: #e8f0f2; }
.spec-icon-general   svg { stroke: var(--dark); }
.spec-icon-aviation  { background: #eaf0f5; }
.spec-icon-aviation  svg { stroke: #1a5a7a; }
.spec-icon-marine    { background: #e6f2f7; }
.spec-icon-marine    svg { stroke: #1b6e8a; }
.spec-icon-physician { background: #edf5ee; }
.spec-icon-physician svg { stroke: #2a7a4a; }
.spec-icon-luxury    { background: #f5ede6; }
.spec-icon-luxury    svg { stroke: var(--copper); }

/* Flyer text block */
.spec-flyer-info { flex: 1; min-width: 0; }
.spec-flyer-label {
  font-family: var(--font-head);
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 1px;
}
.spec-flyer-name {
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--dark-mid);
  line-height: 1.2;
  margin-bottom: 2px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.spec-flyer-desc {
  font-size: 0.7rem;
  color: var(--slate-lt);
  line-height: 1.4;
}

/* Download button */
.spec-dl-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px; height: 32px;
  border-radius: 8px;
  background: var(--dark);
  color: #fff;
  flex-shrink: 0;
  transition: background 0.18s, transform 0.15s;
  text-decoration: none;
}
.spec-dl-btn svg { width: 15px; height: 15px; stroke: #fff; }
.spec-dl-btn:hover { background: var(--copper); transform: translateY(-1px); }

/* Mobile: allow name to wrap */
@media (max-width: 480px) {
  .spec-flyer-name { white-space: normal; }
  .spec-lib-tabs { gap: 4px; }
  .spec-tab { font-size: 0.64rem; padding: 3px 9px; }
}