/* ============================================
   iLoans.ai — Editorial Lending Reference
   Inspired by: WSJ, Bloomberg, FT, NYT
   ============================================ */

:root {
  /* Paper palette — warm cream + ink */
  --paper: #f6f1e8;
  --paper-2: #ede6d6;
  --paper-soft: #fbf8f1;
  --bg: #ffffff;

  /* Ink — true blacks, slightly warmed */
  --ink: #181410;
  --ink-2: #2a2520;
  --ink-3: #5c554c;
  --ink-4: #8b8478;
  --ink-5: #b8b1a3;

  /* Lines */
  --line: #d8cfba;
  --line-2: #c2b89e;
  --line-soft: #ece4cf;
  --rule: #181410;

  /* Single accent — newspaper red */
  --red: #b8231c;
  --red-dark: #8a1a14;
  --red-soft: #f5e1df;

  /* Type — editorial pairings */
  --serif: 'Newsreader', 'Source Serif 4', 'Charter', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --display: 'Newsreader', 'Source Serif 4', Georgia, serif;
  --sans: 'IBM Plex Sans', -apple-system, 'Helvetica Neue', Helvetica, Arial, sans-serif;
  --mono: 'IBM Plex Mono', 'SFMono-Regular', Menlo, Monaco, Consolas, monospace;

  /* Layout */
  --maxw: 1240px;
  --maxw-narrow: 720px;
  --maxw-prose: 64ch;
  --gutter: clamp(1.25rem, 4vw, 2.5rem);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--serif);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.55;
  font-size: 17px;
  font-feature-settings: 'liga', 'kern';
  text-rendering: optimizeLegibility;
}

img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: 0; background: transparent; color: inherit; }

::selection { background: var(--ink); color: var(--paper); }

/* ============================================
   TYPOGRAPHY — editorial scale
   ============================================ */

.kicker {
  font-family: var(--sans);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red);
}

.dateline {
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
}

.byline {
  font-family: var(--sans);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
  color: var(--ink-3);
}
.byline strong { color: var(--ink); font-weight: 600; }

.h-masthead {
  font-family: var(--display);
  font-weight: 600;
  font-style: normal;
  font-size: clamp(2.5rem, 5.5vw, 4.5rem);
  line-height: 0.98;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.h-masthead em { font-style: italic; font-weight: 500; }

.h-1 {
  font-family: var(--display);
  font-weight: 600;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.05;
  letter-spacing: -0.018em;
}
.h-1 em { font-style: italic; font-weight: 500; }

.h-2 {
  font-family: var(--display);
  font-weight: 600;
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  line-height: 1.12;
  letter-spacing: -0.01em;
}
.h-2 em { font-style: italic; font-weight: 500; }

.h-3 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.25rem;
  line-height: 1.2;
  letter-spacing: -0.005em;
}

.h-card {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.1875rem;
  line-height: 1.18;
  letter-spacing: -0.005em;
}

.deck {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 400;
  font-size: 1.25rem;
  line-height: 1.4;
  color: var(--ink-2);
  max-width: 36em;
}

.lede {
  font-family: var(--serif);
  font-size: 1.125rem;
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 36em;
}

.muted { color: var(--ink-3); }
.tabular { font-variant-numeric: tabular-nums; font-feature-settings: 'tnum'; }

/* ============================================
   LAYOUT
   ============================================ */

.container {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}

.container-narrow {
  width: 100%;
  max-width: var(--maxw-narrow);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}

section { position: relative; }

/* ============================================
   MASTHEAD + NAV
   ============================================ */

.utility-bar {
  background: var(--ink);
  color: var(--paper);
  font-family: var(--sans);
  font-size: 0.72rem;
  letter-spacing: 0.04em;
}
.utility-bar-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0.5rem var(--gutter);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.utility-bar a { color: var(--paper); opacity: 0.85; transition: opacity 120ms; }
.utility-bar a:hover { opacity: 1; text-decoration: underline; text-underline-offset: 2px; }
.utility-bar-date { text-transform: uppercase; opacity: 0.7; }
.utility-bar-links { display: flex; gap: 1.25rem; }
@media (max-width: 640px) {
  .utility-bar-date { display: none; }
}

.masthead {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  padding: 1.5rem 0 1.25rem;
  text-align: center;
  position: relative;
}
.masthead::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 3px;
  background: var(--rule);
  border-top: 1px solid var(--paper);
}
.masthead-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--gutter);
  position: relative;
}
.masthead-eyebrow {
  font-family: var(--sans);
  font-size: 0.68rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 0.625rem;
  font-weight: 500;
}
.masthead-title {
  font-family: var(--display);
  font-weight: 600;
  font-size: clamp(2.5rem, 6vw, 3.5rem);
  letter-spacing: -0.025em;
  line-height: 1;
  color: var(--ink);
  margin-bottom: 0.5rem;
}
.masthead-title em { font-style: italic; font-weight: 500; }
.masthead-title .domain-suffix { font-style: italic; font-weight: 500; color: var(--red); }
.masthead-tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--ink-3);
  letter-spacing: 0.005em;
}

.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.nav-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  align-items: stretch;
  justify-content: space-between;
}
.nav-links {
  display: flex;
  list-style: none;
  align-items: stretch;
  gap: 0;
  flex: 1;
}
.nav-links a {
  display: flex;
  align-items: center;
  padding: 0.875rem 1.125rem;
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--ink-2);
  border-right: 1px solid var(--line);
  transition: background 120ms;
}
.nav-links li:first-child a { border-left: 1px solid var(--line); }
.nav-links a:hover { background: var(--paper-2); }
.nav-links a.active { color: var(--red); background: var(--paper-2); }

.nav-cta {
  display: flex;
  align-items: center;
  padding: 0.5rem 0;
}

@media (max-width: 860px) {
  .nav-links { display: none; }
}

/* ============================================
   BUTTONS
   ============================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.65rem 1.1rem;
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border-radius: 0;
  transition: all 120ms ease;
  cursor: pointer;
  white-space: nowrap;
  line-height: 1.1;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}
.btn-primary:hover { background: var(--paper); color: var(--ink); }

.btn-red {
  background: var(--red);
  color: var(--paper);
  border-color: var(--red);
}
.btn-red:hover { background: var(--red-dark); border-color: var(--red-dark); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--ink);
}
.btn-ghost:hover { background: var(--ink); color: var(--paper); }

.btn-text {
  background: transparent;
  color: var(--red);
  padding: 0.25rem 0;
  letter-spacing: 0.04em;
  border-bottom: 1px solid var(--red);
  text-transform: uppercase;
  font-size: 0.74rem;
}
.btn-text:hover { color: var(--red-dark); border-color: var(--red-dark); }

.btn-lg {
  padding: 0.85rem 1.5rem;
  font-size: 0.82rem;
}

/* ============================================
   FRONT PAGE GRID
   ============================================ */

.frontpage {
  padding: 2rem 0 3rem;
  border-bottom: 3px double var(--rule);
}

.front-grid {
  display: grid;
  grid-template-columns: 2.2fr 1fr;
  gap: 0;
}
.front-grid > * + * {
  border-left: 1px solid var(--line);
  padding-left: 2rem;
}
.front-grid > :first-child { padding-right: 2rem; }
@media (max-width: 880px) {
  .front-grid { grid-template-columns: 1fr; }
  .front-grid > * + * { border-left: none; border-top: 1px solid var(--line); padding-left: 0; padding-top: 2rem; margin-top: 2rem; }
  .front-grid > :first-child { padding-right: 0; }
}

.lead-story {
  border-bottom: 1px solid var(--line);
  padding-bottom: 2rem;
  margin-bottom: 2rem;
}
.lead-story .kicker { margin-bottom: 0.75rem; }
.lead-story h1 { margin-bottom: 1rem; }
.lead-story .deck { margin-bottom: 1.5rem; }
.lead-story .byline { margin-bottom: 1.25rem; }

.dropcap::first-letter,
.lead-story .lede:first-of-type::first-letter {
  font-family: var(--display);
  font-weight: 600;
  font-size: 4.5em;
  float: left;
  line-height: 0.85;
  margin: 0.05em 0.08em 0 0;
  color: var(--ink);
}

.sidebar-block {
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--line);
}
.sidebar-block:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-block .kicker { margin-bottom: 0.75rem; }
.sidebar-block h3 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.0625rem;
  line-height: 1.18;
  letter-spacing: -0.005em;
  margin-bottom: 0.4rem;
}
.sidebar-block .deck-sm {
  font-family: var(--serif);
  font-size: 0.875rem;
  line-height: 1.45;
  color: var(--ink-3);
  margin-bottom: 0.5rem;
}
.sidebar-block .byline { font-size: 0.72rem; }

/* ============================================
   STORY ROW (multi-column features)
   ============================================ */

.story-row {
  padding: 3rem 0;
  border-bottom: 1px solid var(--line);
}
.story-row-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  border-bottom: 1px solid var(--rule);
  padding-bottom: 0.625rem;
  margin-bottom: 1.75rem;
}
.section-label {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink);
}
.story-row-head a {
  font-family: var(--sans);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--red);
  font-weight: 500;
}
.story-row-head a:hover { text-decoration: underline; text-underline-offset: 3px; }

.story-cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
}
.story-cols > * {
  padding: 0 1.5rem;
  border-right: 1px solid var(--line);
}
.story-cols > :first-child { padding-left: 0; }
.story-cols > :last-child { padding-right: 0; border-right: none; }
@media (max-width: 880px) {
  .story-cols { grid-template-columns: 1fr; }
  .story-cols > * {
    padding: 1.5rem 0;
    border-right: none;
    border-bottom: 1px solid var(--line);
  }
  .story-cols > :first-child { padding-top: 0; }
  .story-cols > :last-child { border-bottom: none; padding-bottom: 0; }
}

.story-card .kicker { margin-bottom: 0.625rem; }
.story-card h3 { margin-bottom: 0.625rem; }
.story-card .summary {
  font-size: 0.95rem;
  line-height: 1.5;
  color: var(--ink-2);
  margin-bottom: 0.875rem;
}
.story-card .byline { font-size: 0.72rem; }

/* ============================================
   RATE TABLE
   ============================================ */

.rate-table-wrap {
  background: var(--bg);
  border: 1px solid var(--rule);
  margin-bottom: 1.5rem;
}
.rate-table-head {
  padding: 0.875rem 1.25rem;
  border-bottom: 2px solid var(--rule);
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  background: var(--paper);
}
.rate-table-head h3 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.125rem;
  letter-spacing: -0.005em;
}
.rate-table-head .meta {
  font-family: var(--mono);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--ink-3);
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-feature-settings: 'tnum';
}
.rate-table th, .rate-table td {
  padding: 0.625rem 1.25rem;
  text-align: left;
  font-family: var(--sans);
  font-size: 0.85rem;
  border-bottom: 1px solid var(--line);
}
.rate-table th {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-3);
  background: var(--paper-soft);
  border-bottom: 1px solid var(--rule);
}
.rate-table td.num, .rate-table th.num { text-align: right; font-variant-numeric: tabular-nums; }
.rate-table tbody tr:hover { background: var(--paper-soft); }
.rate-table tbody tr:last-child td { border-bottom: none; }

/* ============================================
   LENDER DIRECTORY ROWS
   ============================================ */

.lender-list {
  border-top: 2px solid var(--rule);
  border-bottom: 2px solid var(--rule);
}
.lender-row {
  display: grid;
  grid-template-columns: 60px 2fr 1fr 1fr auto;
  gap: 1.5rem;
  align-items: center;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  transition: background 100ms;
}
.lender-row:last-child { border-bottom: none; }
.lender-row:hover { background: var(--paper-soft); }
.lender-row .num {
  font-family: var(--display);
  font-weight: 600;
  font-style: italic;
  font-size: 1.75rem;
  color: var(--ink-4);
  line-height: 1;
  text-align: center;
}
.lender-row .name {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.125rem;
  margin-bottom: 0.125rem;
}
.lender-row .pitch {
  font-size: 0.85rem;
  color: var(--ink-3);
  line-height: 1.4;
  font-style: italic;
}
.lender-row .stat-pair {
  font-family: var(--sans);
  font-size: 0.7rem;
  color: var(--ink-3);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.lender-row .stat-pair strong {
  display: block;
  font-family: var(--display);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.005em;
  text-transform: none;
  font-feature-settings: 'tnum';
  margin-top: 0.125rem;
  font-style: normal;
}
.lender-row .cta-cell .btn { font-size: 0.7rem; padding: 0.5rem 0.875rem; }

@media (max-width: 720px) {
  .lender-row { grid-template-columns: 30px 1fr; gap: 0.75rem; }
  .lender-row .stat-pair, .lender-row .cta-cell { grid-column: 2; margin-top: 0.5rem; }
  .lender-row .stat-pair { display: inline-block; margin-right: 1.25rem; }
  .lender-row .num { font-size: 1.25rem; }
}

/* ============================================
   PULLQUOTE
   ============================================ */

.pullquote {
  padding: 1.75rem 0;
  margin: 2.25rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  text-align: center;
}
.pullquote-text {
  font-family: var(--display);
  font-style: italic;
  font-weight: 500;
  font-size: 1.5rem;
  line-height: 1.3;
  letter-spacing: -0.01em;
  color: var(--ink);
  max-width: 28em;
  margin: 0 auto 0.75rem;
}
.pullquote-attr {
  font-family: var(--sans);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-3);
}

/* ============================================
   PROSE
   ============================================ */

.prose {
  max-width: var(--maxw-prose);
  font-family: var(--serif);
  font-size: 1.0625rem;
  line-height: 1.62;
  color: var(--ink);
}
.prose h2 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.5rem;
  letter-spacing: -0.012em;
  line-height: 1.2;
  margin: 2.5rem 0 0.875rem;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}
.prose h2 em { font-style: italic; font-weight: 500; }
.prose h2:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.prose h3 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.1875rem;
  letter-spacing: -0.005em;
  margin: 1.875rem 0 0.625rem;
}
.prose p { margin-bottom: 1.125rem; }
.prose p + p { text-indent: 1.5em; margin-top: -0.125rem; }
.prose p.no-indent + p, .prose p:first-of-type, .prose h2 + p, .prose h3 + p, .prose ul + p, .prose ol + p, .prose blockquote + p, .prose .callout + p, .prose table + p { text-indent: 0; }
.prose ul, .prose ol { margin: 1rem 0 1.5rem 1.25rem; }
.prose li { margin-bottom: 0.5rem; }
.prose strong { font-weight: 600; color: var(--ink); }
.prose em { font-style: italic; }
.prose a {
  color: var(--ink);
  border-bottom: 1px solid var(--red);
  text-decoration: none;
  transition: color 100ms, background 100ms;
}
.prose a:hover { color: var(--red); }

.prose blockquote {
  margin: 1.75rem 0;
  padding: 0 1.5rem;
  border-left: 3px solid var(--red);
  font-family: var(--display);
  font-style: italic;
  font-weight: 500;
  font-size: 1.25rem;
  line-height: 1.4;
  color: var(--ink);
}

.prose .callout {
  background: var(--paper-2);
  border-left: 3px solid var(--ink);
  padding: 1.25rem 1.5rem;
  margin: 1.75rem 0;
  font-size: 0.95rem;
  line-height: 1.55;
  font-style: normal;
}
.prose .callout strong:first-child {
  display: block;
  margin-bottom: 0.375rem;
  font-family: var(--sans);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--red);
  font-weight: 700;
}

.prose table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-family: var(--sans);
  font-size: 0.875rem;
  font-feature-settings: 'tnum';
}
.prose th, .prose td {
  padding: 0.625rem 0.875rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
}
.prose tr:first-child th { border-top: 2px solid var(--rule); }
.prose th {
  background: var(--paper-soft);
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-3);
  border-bottom: 1px solid var(--rule);
}
.prose td.num, .prose th.num { text-align: right; }

/* ============================================
   PAGE HEADER
   ============================================ */

.page-header {
  background: var(--paper);
  padding: 2.5rem 0 2rem;
  border-bottom: 1px solid var(--line);
}
.page-header .kicker { margin-bottom: 0.875rem; }
.page-header h1 { margin-bottom: 0.875rem; }
.page-header .deck { margin-bottom: 1rem; }

.breadcrumb {
  font-family: var(--sans);
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 1.25rem;
}
.breadcrumb a { color: var(--ink-3); }
.breadcrumb a:hover { color: var(--ink); }
.breadcrumb .sep { margin: 0 0.5rem; opacity: 0.5; }

/* ============================================
   ARTICLE LAYOUT (article + sidebar)
   ============================================ */

.article-layout {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 4rem;
  align-items: start;
}
@media (max-width: 980px) {
  .article-layout { grid-template-columns: 1fr; }
  .article-aside { order: 2; }
}
.article-aside {
  position: sticky;
  top: 5rem;
  font-family: var(--sans);
  font-size: 0.875rem;
}
.article-aside .aside-block {
  padding: 1.25rem 0;
  border-top: 1px solid var(--line);
}
.article-aside .aside-block:first-child { border-top: 2px solid var(--rule); }
.article-aside .aside-label {
  font-family: var(--sans);
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--red);
  margin-bottom: 0.625rem;
}
.article-aside ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.article-aside ul a {
  font-size: 0.875rem;
  color: var(--ink-2);
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.25rem 0;
}
.article-aside ul a:hover { color: var(--red); }
.article-aside ul a::after { content: '→'; opacity: 0.4; margin-left: 0.5rem; }

/* ============================================
   DISCLOSURE BAR
   ============================================ */

.disclosure {
  background: var(--paper-2);
  border-bottom: 1px solid var(--line);
  padding: 0.75rem 0;
}
.disclosure-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--gutter);
  font-family: var(--sans);
  font-size: 0.78rem;
  color: var(--ink-3);
  line-height: 1.4;
  display: flex;
  align-items: center;
  gap: 0.625rem;
}
.disclosure-tag {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: var(--ink);
  color: var(--paper);
  padding: 0.25rem 0.5rem;
  flex-shrink: 0;
}
.disclosure a {
  color: var(--ink);
  border-bottom: 1px solid var(--ink);
  font-weight: 500;
}

/* ============================================
   FORMS
   ============================================ */

.form-row {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
  margin-bottom: 1.125rem;
}
.form-row label {
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-2);
}
.form-row input,
.form-row select,
.form-row textarea {
  padding: 0.65rem 0.875rem;
  font-family: var(--serif);
  font-size: 1rem;
  background: var(--bg);
  border: 1px solid var(--line-2);
  border-radius: 0;
  color: var(--ink);
  transition: border-color 120ms;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--ink);
}

/* ============================================
   FOOTER
   ============================================ */

.footer {
  background: var(--ink);
  color: var(--ink-5);
  padding: 3.5rem 0 1.75rem;
  font-family: var(--sans);
  font-size: 0.85rem;
}
.footer-masthead {
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 2.5rem;
  margin-bottom: 2.5rem;
}
.footer-masthead .title {
  font-family: var(--display);
  font-weight: 600;
  font-size: 2.25rem;
  letter-spacing: -0.025em;
  color: var(--paper);
  margin-bottom: 0.5rem;
}
.footer-masthead .title em { font-style: italic; font-weight: 500; }
.footer-masthead .title .domain-suffix { color: var(--red-soft); font-style: italic; font-weight: 500; }
.footer-masthead .tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--ink-5);
  opacity: 0.85;
}
.footer-cols {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2.5rem;
  margin-bottom: 3rem;
}
@media (max-width: 880px) {
  .footer-cols { grid-template-columns: 1fr 1fr; gap: 2rem; }
}
.footer h4 {
  font-family: var(--sans);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--paper);
  font-weight: 600;
  margin-bottom: 1rem;
}
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 0.5rem; }
.footer ul a {
  color: var(--ink-5);
  font-size: 0.875rem;
  transition: color 120ms;
}
.footer ul a:hover { color: var(--paper); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 1.75rem;
  font-size: 0.75rem;
  color: var(--ink-4);
  line-height: 1.6;
}
.footer-bottom .colophon {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.footer-affiliate {
  background: rgba(255, 255, 255, 0.04);
  padding: 1rem 1.25rem;
  font-size: 0.75rem;
  line-height: 1.6;
  border-left: 2px solid var(--red);
}
.footer-affiliate strong {
  display: block;
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--paper);
  margin-bottom: 0.4rem;
}

/* ============================================
   CTA STRIP
   ============================================ */

.cta-strip {
  background: var(--ink);
  color: var(--paper);
  padding: 2.5rem 0;
  margin: 3rem 0;
}
.cta-strip-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: center;
}
@media (max-width: 700px) {
  .cta-strip-inner { grid-template-columns: 1fr; }
}
.cta-strip h3 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.75rem;
  letter-spacing: -0.012em;
  line-height: 1.15;
  color: var(--paper);
}
.cta-strip h3 em { font-style: italic; font-weight: 500; color: var(--red-soft); }
.cta-strip p {
  font-family: var(--serif);
  font-style: italic;
  color: var(--ink-5);
  margin-top: 0.5rem;
  font-size: 1rem;
}

/* ============================================
   UTILITIES
   ============================================ */

.divider-rule {
  height: 0;
  border-top: 3px double var(--rule);
  margin: 2.5rem 0;
}

.tag-inline {
  display: inline-block;
  font-family: var(--sans);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--red);
  vertical-align: middle;
  margin-right: 0.4rem;
}

/* ========================================================================
   v3 ADDITIONS — story list, glossary, calculators, aside lists
   ======================================================================== */

/* --- Story list (insights index) --- */
.story-list {
  border-top: 2px solid var(--ink);
}
.story-list .story-row {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 48px;
  padding: 36px 0;
  border-bottom: 1px solid var(--rule);
}
.story-list .story-row-meta .kicker {
  margin-bottom: 8px;
}
.story-list .story-row-meta .dateline {
  margin: 0;
  font-size: 13px;
  color: var(--ink-2);
}
.story-list .story-row-headline {
  font-family: var(--serif);
  font-size: 32px;
  line-height: 1.15;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin: 0 0 12px 0;
}
.story-list .story-row-headline a {
  color: var(--ink);
  text-decoration: none;
  background-image: linear-gradient(var(--ink), var(--ink));
  background-size: 0 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size 0.3s;
}
.story-list .story-row-headline a:hover {
  background-size: 100% 1px;
}
.story-list .story-row-deck {
  font-family: var(--serif);
  font-size: 18px;
  line-height: 1.5;
  color: var(--ink-2);
  margin: 0 0 16px 0;
}
@media (max-width: 720px) {
  .story-list .story-row { grid-template-columns: 1fr; gap: 16px; }
  .story-row-headline { font-size: 26px; }
}

/* --- Aside list (used widely) --- */
.aside-list {
  list-style: none;
  margin: 0;
  padding: 0;
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.7;
}
.aside-list li {
  padding: 6px 0;
  border-bottom: 1px solid var(--rule);
}
.aside-list li:last-child {
  border-bottom: 0;
}
.aside-list a {
  color: var(--ink);
  text-decoration: none;
}
.aside-list a:hover {
  color: var(--red);
}

/* --- Glossary --- */
.glossary-dl {
  margin: 0;
}
.glossary-dl dt {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.005em;
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--rule);
}
.glossary-dl dt:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}
.glossary-dl dd {
  margin: 8px 0 0 0;
  font-family: var(--serif);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink-2);
}

/* --- Calculators --- */
.calc-layout {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 56px;
  padding: 24px 0;
  border-top: 2px solid var(--ink);
  border-bottom: 1px solid var(--rule);
}
@media (max-width: 880px) {
  .calc-layout { grid-template-columns: 1fr; gap: 32px; }
}

.calc-inputs {
  border-right: 1px solid var(--rule);
  padding-right: 56px;
}
@media (max-width: 880px) {
  .calc-inputs { border-right: 0; padding-right: 0; padding-bottom: 32px; border-bottom: 1px solid var(--rule); }
}

.calc-section-heading {
  font-family: var(--sans);
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 11px;
  font-weight: 600;
  color: var(--ink);
  border-bottom: 1px solid var(--ink);
  padding-bottom: 8px;
  margin: 0 0 20px 0;
}

.calc-field {
  margin-bottom: 24px;
}
.calc-field .aside-label {
  display: block;
  margin-bottom: 8px;
}
.calc-input-row {
  display: flex;
  align-items: center;
  border: 1px solid var(--ink);
  background: var(--paper);
}
.calc-input-row input {
  flex: 1;
  border: 0;
  background: transparent;
  padding: 12px 14px;
  font-family: var(--mono);
  font-size: 16px;
  color: var(--ink);
  outline: none;
  width: 100%;
  min-width: 0;
}
.calc-input-prefix, .calc-input-suffix {
  font-family: var(--mono);
  font-size: 14px;
  color: var(--ink-2);
  padding: 0 14px;
  background: var(--paper-2);
  align-self: stretch;
  display: flex;
  align-items: center;
  border-left: 1px solid var(--rule);
}
.calc-input-prefix {
  border-left: 0;
  border-right: 1px solid var(--rule);
}
.calc-select {
  width: 100%;
  border: 1px solid var(--ink);
  background: var(--paper);
  padding: 12px 14px;
  font-family: var(--mono);
  font-size: 14px;
  color: var(--ink);
  border-radius: 0;
  appearance: none;
  -webkit-appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(135deg, var(--ink) 50%, transparent 50%);
  background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
  padding-right: 36px;
}
.calc-slider {
  width: 100%;
  margin-top: 12px;
  -webkit-appearance: none;
  height: 2px;
  background: var(--ink);
  outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  background: var(--red);
  cursor: pointer;
  border-radius: 0;
}
.calc-slider::-moz-range-thumb {
  width: 16px;
  height: 16px;
  background: var(--red);
  cursor: pointer;
  border: 0;
  border-radius: 0;
}

.calc-monthly-block {
  border-top: 4px double var(--ink);
  border-bottom: 4px double var(--ink);
  padding: 28px 0;
  margin-bottom: 32px;
  text-align: center;
}
.calc-monthly-block .aside-label {
  text-align: center;
  margin-bottom: 14px;
}
.calc-monthly-amount {
  font-family: var(--serif);
  font-size: 64px;
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--ink);
  line-height: 1;
}
@media (max-width: 600px) { .calc-monthly-amount { font-size: 44px; } }

.calc-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  margin-bottom: 32px;
}
.calc-stat {
  padding: 18px 18px;
  border-right: 1px solid var(--rule);
  text-align: center;
}
.calc-stat:last-child {
  border-right: 0;
}
.calc-stat .aside-label {
  display: block;
  margin-bottom: 8px;
  font-size: 10px;
}
.calc-stat-value {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
}
@media (max-width: 600px) {
  .calc-stats { grid-template-columns: 1fr; }
  .calc-stat { border-right: 0; border-bottom: 1px solid var(--rule); text-align: left; }
  .calc-stat:last-child { border-bottom: 0; }
}

.calc-chart {
  margin-bottom: 24px;
}
.calc-chart-bar {
  height: 12px;
  background: var(--red);
  position: relative;
  margin-bottom: 12px;
}
.calc-chart-fill {
  height: 12px;
  background: var(--ink);
  width: 80%;
  transition: width 0.3s ease;
}
.calc-chart-legend {
  display: flex;
  justify-content: space-between;
  font-family: var(--sans);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-2);
}
.calc-chart-legend strong {
  color: var(--ink);
  font-weight: 600;
}
.calc-legend-dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  margin-right: 6px;
  vertical-align: middle;
}
.calc-legend-principal { background: var(--ink); }
.calc-legend-interest { background: var(--red); }

.calc-detail-block {
  border-top: 1px solid var(--rule);
  margin-top: 24px;
  padding-top: 16px;
}
.calc-detail-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  font-family: var(--sans);
  font-size: 14px;
  color: var(--ink-2);
  border-bottom: 1px dotted var(--rule);
}
.calc-detail-row:last-child {
  border-bottom: 0;
}
.calc-detail-row strong {
  font-family: var(--mono);
  color: var(--ink);
  font-weight: 500;
}

/* --- Lede paragraph variant (specifically for articles) --- */
.lede {
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.55;
  color: var(--ink);
  margin: 0 0 1.2em 0;
}
.lede .dropcap {
  float: left;
  font-family: var(--serif);
  font-size: 76px;
  line-height: 0.85;
  font-weight: 600;
  color: var(--ink);
  padding: 6px 10px 0 0;
  margin: 0;
}

/* --- Divider rule --- */
.divider-rule {
  border: 0;
  height: 4px;
  border-top: 1px solid var(--ink);
  border-bottom: 1px solid var(--ink);
  background: transparent;
  width: 80px;
  margin: 36px 0 28px 0;
}
.divider-rule:after { content: ''; }

/* --- btn-text --- */
.btn-text {
  background: transparent;
  border: 0;
  font-family: var(--sans);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  cursor: pointer;
  padding: 0;
  border-bottom: 1px solid var(--ink);
  padding-bottom: 2px;
  transition: color 0.2s;
}
.btn-text:hover {
  color: var(--red);
  border-bottom-color: var(--red);
}


/* ========================================================================
   BACK TO TOP
   ======================================================================== */
.back-to-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 48px;
  height: 48px;
  background: var(--ink);
  color: var(--paper);
  border: 1px solid var(--ink);
  border-radius: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: opacity 220ms ease, transform 220ms ease, background 120ms;
  z-index: 80;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  line-height: 1;
}
.back-to-top:hover { background: var(--red); border-color: var(--red); }
.back-to-top.visible { opacity: 1; pointer-events: auto; transform: translateY(0); }
.back-to-top svg { width: 16px; height: 16px; display: block; }
@media (max-width: 600px) { .back-to-top { right: 16px; bottom: 16px; width: 44px; height: 44px; } }

/* ========================================================================
   SHARE BAR
   ======================================================================== */
.share-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  padding: 16px 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  margin: 24px 0;
}
.share-bar-label {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-right: 8px;
}
.share-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 12px;
  background: transparent;
  border: 1px solid var(--rule);
  border-radius: 0;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink);
  cursor: pointer;
  transition: background 120ms, color 120ms, border-color 120ms;
  text-decoration: none;
}
.share-btn:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.share-btn.share-copied { background: var(--red); color: var(--paper); border-color: var(--red); }
.share-btn svg { width: 14px; height: 14px; }
@media (max-width: 540px) {
  .share-bar { gap: 6px; }
  .share-btn { padding: 7px 10px; font-size: 10px; }
  .share-bar-label { width: 100%; margin-bottom: 4px; }
}

/* ========================================================================
   QUIZ FUNNEL
   ======================================================================== */
.quiz-shell {
  max-width: 880px;
  margin: 0 auto;
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  position: relative;
}

.quiz-progress {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 32px 0;
}
.quiz-progress-bar {
  flex: 1;
  height: 3px;
  background: var(--paper-2);
  position: relative;
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  width: 0%;
  background: var(--red);
  transition: width 380ms cubic-bezier(0.22, 1, 0.36, 1);
}
.quiz-progress-text {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  white-space: nowrap;
}

.quiz-stage {
  padding: 32px 32px 24px;
  position: relative;
  min-height: 540px;
}
@media (max-width: 600px) {
  .quiz-stage { padding: 24px 20px 20px; min-height: 480px; }
  .quiz-progress { padding: 16px 20px 0; }
}

.quiz-step {
  display: none;
  animation: quiz-fade-in 320ms ease;
}
.quiz-step.active { display: block; }
@keyframes quiz-fade-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.quiz-eyebrow {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 12px;
}
.quiz-question {
  font-family: var(--display);
  font-size: clamp(26px, 4vw, 38px);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.018em;
  color: var(--ink);
  margin-bottom: 12px;
}
.quiz-helper {
  font-family: var(--serif);
  font-style: italic;
  font-size: 17px;
  line-height: 1.5;
  color: var(--ink-3);
  margin-bottom: 28px;
  max-width: 36em;
}

.quiz-options {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}
.quiz-options[data-cols="2"] {
  grid-template-columns: repeat(2, 1fr);
}
@media (max-width: 600px) {
  .quiz-options[data-cols="2"] { grid-template-columns: 1fr; }
}

.quiz-opt {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  padding: 18px 22px;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--rule);
  border-radius: 0;
  cursor: pointer;
  transition: all 140ms ease;
  font-family: var(--serif);
  width: 100%;
  position: relative;
}
.quiz-opt:hover {
  border-left-color: var(--red);
  background: var(--paper);
  transform: translateX(2px);
}
.quiz-opt.selected {
  border-color: var(--red);
  border-left-width: 3px;
  background: var(--red-soft);
}
.quiz-opt.selected::after {
  content: '✓';
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--red);
  font-weight: 700;
  font-size: 18px;
}
.quiz-opt-title {
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.005em;
  margin-bottom: 4px;
  line-height: 1.2;
  display: flex;
  align-items: center;
  gap: 10px;
}
.quiz-opt-desc {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.45;
  color: var(--ink-3);
}
.quiz-tag {
  display: inline-block;
  font-family: var(--sans);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  background: var(--ink);
  color: var(--paper);
  padding: 3px 7px;
  border-radius: 0;
}

.quiz-back {
  padding: 0 32px 24px;
  display: none;
}
.quiz-back-btn {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  background: none;
  border: 0;
  cursor: pointer;
  padding: 4px 0;
  transition: color 120ms;
}
.quiz-back-btn:hover { color: var(--red); }
@media (max-width: 600px) { .quiz-back { padding: 0 20px 20px; } }

/* === RESULT STEP === */
.quiz-result .quiz-question { font-size: clamp(24px, 3.8vw, 34px); }

.quiz-result-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 28px 0;
}
.quiz-result-row {
  display: grid;
  grid-template-columns: 100px 1fr auto;
  gap: 20px;
  align-items: center;
  padding: 22px 24px;
  background: var(--bg);
  border: 1px solid var(--rule);
  position: relative;
  animation: quiz-result-in 420ms cubic-bezier(0.22, 1, 0.36, 1) backwards;
}
@keyframes quiz-result-in {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}
.quiz-result-row:first-child {
  border-color: var(--red);
  border-left: 4px solid var(--red);
  background: linear-gradient(to right, var(--red-soft), var(--bg) 30%);
}
.quiz-result-rank {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
  text-align: center;
  border-right: 1px solid var(--rule);
  padding-right: 18px;
  line-height: 1.3;
}
.quiz-result-row:first-child .quiz-result-rank {
  color: var(--red);
  font-size: 11px;
}
.quiz-result-name {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.012em;
  color: var(--ink);
  line-height: 1.1;
  margin: 0 0 4px 0;
}
.quiz-result-pitch {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.45;
  color: var(--ink-2);
  margin: 0 0 10px 0;
}
.quiz-result-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  font-family: var(--sans);
  font-size: 12px;
  color: var(--ink-3);
}
.quiz-result-meta strong {
  color: var(--ink);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 10px;
  margin-right: 6px;
}
@media (max-width: 720px) {
  .quiz-result-row {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 18px 18px;
  }
  .quiz-result-rank {
    border-right: 0;
    border-bottom: 1px solid var(--rule);
    padding: 0 0 10px 0;
    text-align: left;
  }
  .quiz-result-cta-cell { width: 100%; }
  .quiz-result-cta-cell .btn { width: 100%; }
}

.quiz-result-cta {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 2px solid var(--rule);
}
.quiz-result-actions {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
}

/* ========================================================================
   HERO (homepage)
   ======================================================================== */
.hero-editorial {
  background: var(--paper);
  padding: 56px 0 48px;
  border-bottom: 3px double var(--rule);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 920px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
}
.hero-text .kicker { margin-bottom: 16px; }
.hero-text h1 { margin-bottom: 20px; }
.hero-text .deck { margin-bottom: 28px; max-width: 30em; }

.hero-cta-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 14px;
}
.hero-cta-row .btn { gap: 8px; }
.hero-cta-meta {
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.04em;
  color: var(--ink-3);
  font-style: italic;
}

.hero-art { position: relative; }
.hero-photo {
  margin: 0;
  border: 1px solid var(--rule);
  background: var(--ink);
  background-image: linear-gradient(135deg, #221b15 0%, #181410 50%, #0f0d0a 100%);
  position: relative;
  min-height: 460px;
}
.hero-photo img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  filter: contrast(1.04) saturate(0.85);
  display: block;
  color: transparent;
  font-size: 0;
}
.hero-photo figcaption {
  position: absolute;
  bottom: 8px;
  right: 12px;
  font-family: var(--sans);
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--paper);
  opacity: 0.7;
  text-shadow: 0 1px 2px rgba(0,0,0,0.6);
}
@media (max-width: 920px) { .hero-photo img { height: 320px; } }

.hero-stat-card {
  position: absolute;
  bottom: -28px;
  left: -32px;
  background: var(--bg);
  border: 1px solid var(--ink);
  border-left: 4px solid var(--red);
  padding: 18px 22px;
  width: 248px;
  box-shadow: 0 6px 20px rgba(24,20,16,0.08);
}
@media (max-width: 920px) {
  .hero-stat-card { left: 16px; bottom: -16px; width: auto; max-width: 280px; }
}
.hero-stat-label {
  font-family: var(--sans);
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-bottom: 6px;
}
.hero-stat-value {
  font-family: var(--display);
  font-size: 56px;
  font-weight: 600;
  letter-spacing: -0.025em;
  line-height: 1;
  color: var(--ink);
  font-feature-settings: 'tnum';
}
.hero-stat-value span {
  font-size: 0.5em;
  font-style: italic;
  font-weight: 500;
  color: var(--red);
  margin-left: 2px;
}
.hero-stat-foot {
  font-family: var(--serif);
  font-style: italic;
  font-size: 12px;
  line-height: 1.4;
  color: var(--ink-3);
  margin-top: 8px;
}

/* ========================================================================
   TICKER ROW
   ======================================================================== */
.ticker-row {
  background: var(--ink);
  color: var(--paper);
  padding: 14px 0;
  overflow: hidden;
}
.ticker-inner {
  display: flex;
  align-items: center;
  gap: 20px;
}
.ticker-label {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red-soft);
  white-space: nowrap;
  border-right: 1px solid rgba(255,255,255,0.16);
  padding-right: 20px;
}
.ticker-items {
  display: flex;
  gap: 32px;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  white-space: nowrap;
  font-family: var(--mono);
  font-size: 13px;
  color: var(--paper);
  letter-spacing: 0.02em;
}
.ticker-items::-webkit-scrollbar { display: none; }
.ticker-items strong {
  color: var(--red-soft);
  font-weight: 600;
  margin-right: 6px;
}

/* ========================================================================
   LOAN GRID (homepage with photos)
   ======================================================================== */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
}
.loan-card {
  display: flex;
  flex-direction: column;
  background: var(--bg);
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: inherit;
  transition: background 160ms ease;
  position: relative;
}
.loan-card:nth-child(3n) { border-right: 0; }
.loan-card:hover { background: var(--paper-soft); }
.loan-card:hover .loan-card-photo img { transform: scale(1.03); filter: contrast(1.06) saturate(0.95); }
.loan-card:hover .h-card { color: var(--red); }
@media (max-width: 880px) {
  .loan-grid { grid-template-columns: 1fr 1fr; }
  .loan-card { border-right: 1px solid var(--rule); }
  .loan-card:nth-child(3n) { border-right: 1px solid var(--rule); }
  .loan-card:nth-child(2n) { border-right: 0; }
}
@media (max-width: 600px) {
  .loan-grid { grid-template-columns: 1fr; }
  .loan-card, .loan-card:nth-child(2n), .loan-card:nth-child(3n) { border-right: 0; }
}

.loan-card-photo {
  overflow: hidden;
  background: var(--ink);
  background-image: linear-gradient(135deg, #221b15 0%, #181410 50%, #0f0d0a 100%);
  position: relative;
  height: 200px; /* fixed height so layout never collapses on image failure */
  width: 100%;
}
.loan-card-photo img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  filter: contrast(1.04) saturate(0.82);
  transition: transform 480ms ease, filter 360ms ease;
  /* Hide broken-image icon and alt text leak when photo fails to load */
  color: transparent;
  font-size: 0;
}
.loan-card-body {
  padding: 22px 24px 26px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.loan-card-body .kicker { margin-bottom: 8px; }
.loan-card-body .h-card { margin-bottom: 10px; transition: color 140ms; }
.loan-card-summary {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-2);
  margin-bottom: 16px;
  flex: 1;
}
.loan-card-foot {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red);
  margin: 0;
}

/* ========================================================================
   NEWSLETTER STRIP
   ======================================================================== */
.newsletter-strip {
  background: var(--ink);
  color: var(--paper);
  padding: 64px 0;
  position: relative;
  background-image: radial-gradient(circle at 80% 20%, rgba(184,35,28,0.14), transparent 50%);
}
.newsletter-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 900px) {
  .newsletter-grid { grid-template-columns: 1fr; gap: 32px; }
}
.newsletter-headline {
  font-family: var(--display);
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 600;
  letter-spacing: -0.018em;
  line-height: 1.1;
  color: var(--paper);
  margin: 14px 0 16px;
}
.newsletter-headline em {
  font-style: italic;
  font-weight: 500;
  color: var(--red-soft);
}
.newsletter-sub {
  font-family: var(--serif);
  font-style: italic;
  font-size: 17px;
  line-height: 1.5;
  color: var(--ink-5);
  max-width: 32em;
}
.newsletter-form {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: flex-start;
}
.newsletter-form input {
  flex: 1;
  min-width: 240px;
  padding: 14px 16px;
  font-family: var(--serif);
  font-size: 16px;
  background: var(--paper);
  border: 1px solid var(--paper);
  border-radius: 0;
  color: var(--ink);
}
.newsletter-form input:focus { outline: 2px solid var(--red); outline-offset: 2px; }
.newsletter-form button { white-space: nowrap; }
.newsletter-tos {
  width: 100%;
  font-family: var(--sans);
  font-size: 11px;
  letter-spacing: 0.04em;
  color: var(--ink-5);
  margin-top: 4px;
  line-height: 1.5;
}
.newsletter-tos a {
  color: var(--paper);
  border-bottom: 1px solid var(--ink-5);
}

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

/* ========================================================================
   ARTICLE PHOTO (used in SEO articles)
   ======================================================================== */
.article-photo {
  margin: 0 0 2rem 0;
  position: relative;
  border: 1px solid var(--rule);
  background: var(--ink);
}
.article-photo img {
  width: 100%;
  height: auto;
  max-height: 480px;
  object-fit: cover;
  display: block;
  filter: contrast(1.04) saturate(0.85);
}
.article-photo figcaption {
  font-family: var(--sans);
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 8px 12px;
  background: var(--paper);
  border-top: 1px solid var(--rule);
}

/* ========================================================================
   ARTICLE PHOTO (in-prose hero photo for SEO articles)
   ======================================================================== */
.article-photo {
  margin: 0 0 24px 0;
  position: relative;
  background: var(--ink);
}
.article-photo img {
  width: 100%;
  max-height: 460px;
  object-fit: cover;
  display: block;
  filter: contrast(1.04) saturate(0.85);
}
.article-photo figcaption {
  position: absolute;
  bottom: 8px;
  right: 12px;
  font-family: var(--sans);
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--paper);
  opacity: 0.7;
  text-shadow: 0 1px 2px rgba(0,0,0,0.65);
}
@media (max-width: 700px) {
  .article-photo img { max-height: 280px; }
}

/* ========================================================================
   TRUST STRIP
   ======================================================================== */
.trust-strip {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  padding: 18px 0;
}
.trust-strip-inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  align-items: center;
}
.trust-item {
  font-family: var(--sans);
  font-size: 13px;
  line-height: 1.45;
  color: var(--ink-2);
}
.trust-item strong {
  color: var(--ink);
  font-weight: 600;
}
@media (max-width: 800px) {
  .trust-strip-inner { grid-template-columns: 1fr; gap: 12px; }
}

/* ========================================================================
   QUIZ-CTA STRIP (above the fold homepage CTA)
   ======================================================================== */
.quiz-cta-strip {
  background: var(--ink);
  color: var(--paper);
  padding: 48px 0;
  background-image: linear-gradient(180deg, #181410 0%, #221b15 100%);
}
.quiz-cta-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  align-items: center;
}
.quiz-cta-headline {
  font-family: var(--display);
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.018em;
  margin: 8px 0 16px;
  color: var(--paper);
}
.quiz-cta-sub {
  font-family: var(--serif);
  font-size: 18px;
  line-height: 1.55;
  color: var(--ink-5);
  margin-bottom: 20px;
  max-width: 38em;
}
.quiz-cta-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  font-family: var(--serif);
  font-size: 16px;
  color: var(--paper);
  line-height: 1.7;
}
.quiz-cta-bullets li::before {
  content: '';
}
.quiz-cta-action {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
}
.quiz-cta-fineprint {
  font-family: var(--sans);
  font-size: 11px;
  line-height: 1.55;
  color: var(--ink-5);
  letter-spacing: 0.02em;
  max-width: 28em;
}
.btn-xl { padding: 16px 32px; font-size: 14px; }
@media (max-width: 800px) {
  .quiz-cta-grid { grid-template-columns: 1fr; gap: 24px; }
}

/* ========================================================================
   MID-PAGE CTA (mid-cta)
   ======================================================================== */
.mid-cta {
  margin: 32px 0;
  padding: 28px 32px;
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--red);
}
.mid-cta-dark {
  background: var(--ink);
  border-color: var(--ink);
  border-left-color: var(--red);
  color: var(--paper);
}
.mid-cta-dark h3 { color: var(--paper); }
.mid-cta-dark p { color: var(--ink-5); }
.mid-cta-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
}
.mid-cta h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.012em;
  margin: 0 0 6px 0;
  color: var(--ink);
}
.mid-cta p {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.5;
  margin: 0;
  color: var(--ink-2);
  max-width: 42em;
}
@media (max-width: 700px) {
  .mid-cta { padding: 22px; }
  .mid-cta-grid { grid-template-columns: 1fr; gap: 16px; }
  .mid-cta-grid .btn { width: 100%; text-align: center; }
}

/* ========================================================================
   STICKY MOBILE CTA
   ======================================================================== */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 90;
  background: var(--ink);
  color: var(--paper);
  border-top: 2px solid var(--red);
  padding: 10px 16px;
  transform: translateY(100%);
  transition: transform 280ms cubic-bezier(0.22, 1, 0.36, 1);
  box-shadow: 0 -4px 16px rgba(24,20,16,0.18);
}
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  max-width: 720px;
  margin: 0 auto;
}
.sticky-cta-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 1px;
  min-width: 0;
}
.sticky-cta-text strong {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  color: var(--paper);
  letter-spacing: 0.01em;
}
.sticky-cta-text span {
  font-family: var(--sans);
  font-size: 11px;
  color: var(--ink-5);
  line-height: 1.3;
  letter-spacing: 0.02em;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.sticky-cta-btn {
  flex-shrink: 0;
  background: var(--red);
  color: var(--paper);
  padding: 10px 18px;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: 0;
  border: 0;
  transition: background 120ms;
}
.sticky-cta-btn:hover { background: #9a1c17; }
/* Show only on mobile/tablet */
@media (min-width: 880px) { .sticky-cta { display: none; } }

/* Add safe-area for sticky CTA so back-to-top doesn't overlap */
@media (max-width: 879px) {
  body { padding-bottom: 64px; }
  .back-to-top { bottom: 76px; }
}

/* ========================================================================
   BREADCRUMBS
   ======================================================================== */
.breadcrumbs {
  background: var(--paper-soft);
  border-bottom: 1px solid var(--rule);
  padding: 12px 0;
}
.breadcrumbs .container {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.02em;
  color: var(--ink-3);
}
.crumb {
  color: var(--ink-3);
  text-decoration: none;
  transition: color 120ms;
}
a.crumb:hover { color: var(--red); }
.crumb-current {
  color: var(--ink);
  font-weight: 600;
}
.crumb-sep {
  color: var(--ink-4);
  font-size: 14px;
  margin: 0 2px;
}

/* ========================================================================
   AUTHOR BOX (E-E-A-T)
   ======================================================================== */
.author-box {
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--ink);
  padding: 24px 28px;
  margin: 24px 0 32px;
}
.author-box-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
  align-items: start;
}
.author-label {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 6px;
}
.author-name {
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}
.author-bio {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
}
.author-box-meta {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-family: var(--sans);
  font-size: 13px;
  color: var(--ink-2);
  border-left: 1px solid var(--rule);
  padding-left: 24px;
}
.author-box-meta a { color: var(--ink); border-bottom: 1px solid var(--ink-4); }
.author-box-meta a:hover { color: var(--red); border-color: var(--red); }
.author-meta-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}
@media (max-width: 700px) {
  .author-box-grid { grid-template-columns: 1fr; gap: 18px; }
  .author-box-meta { border-left: 0; padding-left: 0; border-top: 1px solid var(--rule); padding-top: 14px; flex-direction: row; flex-wrap: wrap; gap: 18px 24px; }
}

/* ========================================================================
   METHODOLOGY BOX
   ======================================================================== */
.methodology-box {
  background: var(--paper);
  border: 1px solid var(--rule);
  padding: 28px 32px;
  margin: 32px 0;
}
.methodology-head {
  border-bottom: 1px solid var(--rule);
  padding-bottom: 14px;
  margin-bottom: 16px;
}
.methodology-tag {
  display: inline-block;
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--paper);
  background: var(--ink);
  padding: 4px 10px;
  margin-bottom: 8px;
}
.methodology-head h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  margin: 0;
  letter-spacing: -0.012em;
}
.methodology-body p {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink-2);
  margin-bottom: 12px;
}
.methodology-body p:last-child { margin-bottom: 0; }
.methodology-body strong { color: var(--ink); }
.methodology-body a { color: var(--red); border-bottom: 1px solid var(--red); }

/* ========================================================================
   BEST-OF COMPARISON CARDS (homepage grid)
   ======================================================================== */
.best-of-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.best-of-card {
  display: flex;
  flex-direction: column;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--rule);
  padding: 22px 24px;
  text-decoration: none;
  color: inherit;
  transition: all 160ms ease;
}
.best-of-card:hover {
  border-left-color: var(--red);
  background: var(--paper);
  transform: translateX(2px);
}
.best-of-card:hover h3 { color: var(--red); }
.best-of-kicker {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 10px;
}
.best-of-card h3 {
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -0.005em;
  line-height: 1.25;
  color: var(--ink);
  margin: 0 0 8px;
  transition: color 140ms;
}
.best-of-card p {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-2);
  flex: 1;
  margin: 0 0 12px;
}
.best-of-cta {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink);
}
@media (max-width: 900px) { .best-of-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .best-of-grid { grid-template-columns: 1fr; } }

/* ========================================================================
   LENDER COMPARISON TABLE
   ======================================================================== */
.lender-table-wrap {
  margin: 24px 0;
  overflow-x: auto;
  border: 1px solid var(--rule);
  background: var(--bg);
}
.lender-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--sans);
  font-size: 13px;
  min-width: 880px;
}
.lender-table thead {
  background: var(--ink);
  color: var(--paper);
}
.lender-table thead th {
  padding: 14px 16px;
  text-align: left;
  font-weight: 600;
  letter-spacing: 0.04em;
  font-size: 11px;
  text-transform: uppercase;
}
.lender-table thead th.num { text-align: right; }
.lender-table tbody td {
  padding: 16px;
  border-top: 1px solid var(--rule);
  vertical-align: middle;
}
.lender-table tbody td.num { text-align: right; font-family: var(--mono); font-feature-settings: 'tnum'; }
.lender-table tbody tr:hover { background: var(--paper-soft); }
.lender-table tbody td:first-child {
  border-left: 3px solid transparent;
  transition: border-color 120ms;
}
.lender-table tbody tr:hover td:first-child { border-left-color: var(--red); }
.lender-best-for {
  font-family: var(--sans);
  font-size: 11px;
  color: var(--ink-3);
  font-weight: 500;
  letter-spacing: 0.02em;
  display: block;
  margin-top: 2px;
}
.lender-table .btn-sm {
  padding: 7px 12px;
  font-size: 11px;
  white-space: nowrap;
}
.badge-yes, .badge-no {
  display: inline-block;
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 3px 7px;
  border-radius: 0;
}
.badge-yes { background: #2d5a3d; color: var(--paper); }
.badge-no { background: var(--rule); color: var(--ink-3); }
.lender-table-foot {
  padding: 12px 16px;
  background: var(--paper-soft);
  border-top: 1px solid var(--rule);
  font-family: var(--sans);
  font-size: 11px;
  line-height: 1.5;
  color: var(--ink-3);
  margin: 0;
}
.lender-table-foot a { color: var(--ink); border-bottom: 1px solid var(--ink-4); }

/* ========================================================================
   LENDER CARD (detailed pros/cons)
   ======================================================================== */
.lender-card {
  background: var(--bg);
  border: 1px solid var(--rule);
  padding: 28px 32px;
  margin: 24px 0;
  scroll-margin-top: 100px;
}
.lender-card-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  border-bottom: 1px solid var(--rule);
  padding-bottom: 18px;
  margin-bottom: 18px;
}
.lender-card-head .kicker {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 4px;
}
.lender-card-name {
  font-family: var(--display);
  font-size: 26px;
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.1;
  color: var(--ink);
  margin: 0;
}
.lender-card-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px 24px;
  margin-bottom: 18px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--rule);
}
.lender-card-stats > div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.stat-label {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.lender-card-stats strong {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
}
.lender-card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 14px;
}
.lender-card-grid h4 {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 8px;
}
.pros-list, .cons-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
}
.pros-list li, .cons-list li {
  padding-left: 20px;
  position: relative;
  margin-bottom: 6px;
}
.pros-list li::before {
  content: '+';
  position: absolute;
  left: 0;
  top: 0;
  color: #2d5a3d;
  font-weight: 700;
  font-family: var(--sans);
}
.cons-list li::before {
  content: '−';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--red);
  font-weight: 700;
  font-family: var(--sans);
}
.lender-card-summary {
  font-family: var(--serif);
  font-style: italic;
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-3);
  border-top: 1px solid var(--rule);
  padding-top: 14px;
  margin: 0;
}
@media (max-width: 700px) {
  .lender-card { padding: 22px 20px; }
  .lender-card-head { flex-direction: column; gap: 12px; }
  .lender-card-stats { grid-template-columns: repeat(2, 1fr); }
  .lender-card-grid { grid-template-columns: 1fr; gap: 18px; }
}

/* ========================================================================
   FAQ accordion (homepage version)
   ======================================================================== */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item-2 {
  border-bottom: 1px solid var(--rule);
  padding: 16px 0;
}
.faq-item-2 summary {
  cursor: pointer;
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  list-style: none;
  position: relative;
  padding-right: 32px;
  letter-spacing: -0.005em;
}
.faq-item-2 summary::-webkit-details-marker { display: none; }
.faq-item-2 summary::after {
  content: '+';
  position: absolute;
  right: 0;
  top: -2px;
  font-size: 24px;
  color: var(--red);
  font-weight: 400;
  transition: transform 200ms;
}
.faq-item-2[open] summary::after { content: '−'; }
.faq-item-2 p {
  font-family: var(--serif);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-2);
  margin-top: 12px;
  margin-bottom: 0;
}
.faq-item-2 a {
  color: var(--red);
  border-bottom: 1px solid var(--red);
}

/* ========================================================================
   THREE-STEP MATCHER MODULE (homepage centerpiece)
   ======================================================================== */
.three-step-module {
  background: var(--paper);
  padding: 64px 0;
  border-top: 3px double var(--rule);
  border-bottom: 3px double var(--rule);
}
.three-step-head {
  text-align: center;
  max-width: 36em;
  margin: 0 auto 40px;
}
.three-step-head .kicker {
  color: var(--red);
  margin-bottom: 8px;
}
.three-step-title {
  font-family: var(--display);
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 600;
  letter-spacing: -0.018em;
  line-height: 1.1;
  color: var(--ink);
  margin: 0;
}
.three-step-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 40px;
}
.three-step-card {
  background: var(--bg);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--red);
  padding: 32px 28px 28px;
  position: relative;
  display: flex;
  flex-direction: column;
}
.three-step-num {
  font-family: var(--display);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: var(--red);
  margin-bottom: 16px;
}
.three-step-icon {
  width: 44px;
  height: 44px;
  color: var(--ink);
  margin-bottom: 16px;
}
.three-step-icon svg {
  width: 100%;
  height: 100%;
}
.three-step-card h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.15;
  color: var(--ink);
  margin: 0 0 12px;
}
.three-step-card p {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
  flex: 1;
}
.three-step-cta {
  text-align: center;
  margin-top: 8px;
}
.three-step-disclaimer {
  font-family: var(--sans);
  font-size: 11px;
  color: var(--ink-3);
  letter-spacing: 0.02em;
  line-height: 1.55;
  margin: 14px auto 0;
  max-width: 36em;
  font-style: italic;
}
@media (max-width: 880px) {
  .three-step-grid { grid-template-columns: 1fr; gap: 16px; }
  .three-step-module { padding: 48px 0; }
}

/* ========================================================================
   AT-A-GLANCE PICKS (best-of pages)
   ======================================================================== */
.at-a-glance {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--red);
  padding: 24px 28px;
  margin: 24px 0 32px;
}
.aag-head { margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid var(--rule); }
.aag-head .kicker { color: var(--red); margin-bottom: 4px; }
.aag-head h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.01em;
  margin: 0;
  color: var(--ink);
}
.aag-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
.aag-row {
  display: grid;
  grid-template-columns: 180px 1fr 24px;
  align-items: center;
  gap: 18px;
  padding: 14px 0;
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: inherit;
  transition: padding-left 140ms ease;
}
.aag-row:last-child { border-bottom: 0; }
.aag-row:hover {
  padding-left: 8px;
}
.aag-row:hover .aag-arrow { color: var(--red); transform: translateX(4px); }
.aag-cat {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.aag-lender strong {
  font-family: var(--display);
  font-size: 17px;
  color: var(--ink);
  font-weight: 600;
  display: block;
  margin-bottom: 2px;
}
.aag-reason {
  font-family: var(--serif);
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.45;
}
.aag-arrow {
  font-size: 18px;
  color: var(--ink-3);
  transition: color 140ms, transform 140ms;
  text-align: right;
  font-weight: 700;
}
.aag-foot {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--rule);
  font-family: var(--sans);
  font-size: 12px;
  color: var(--ink-3);
  line-height: 1.55;
}
.aag-foot a { color: var(--red); border-bottom: 1px solid var(--red); }
@media (max-width: 600px) {
  .aag-row { grid-template-columns: 1fr 24px; gap: 8px; }
  .aag-cat { font-size: 10px; }
}

/* ========================================================================
   iLOANS FIT SCORE BOX (framework explainer)
   ======================================================================== */
.fit-score-box {
  background: var(--ink);
  color: var(--paper);
  border-left: 4px solid var(--red);
  padding: 28px 32px;
  margin: 32px 0;
}
.fit-score-head {
  border-bottom: 1px solid rgba(255,255,255,0.16);
  padding-bottom: 14px;
  margin-bottom: 16px;
}
.fit-score-head .kicker { color: var(--red-soft); margin-bottom: 6px; }
.fit-score-head h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  margin: 0;
  color: var(--paper);
  letter-spacing: -0.012em;
}
.fit-score-body p, .fit-score-body li {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink-5);
}
.fit-score-list {
  margin: 12px 0;
  padding-left: 24px;
}
.fit-score-list li { margin-bottom: 8px; }
.fit-score-list strong { color: var(--paper); }
.fit-score-body a { color: var(--red-soft); border-bottom: 1px solid var(--red-soft); }

/* ========================================================================
   STICKY SIDEBAR (long lender pages)
   ======================================================================== */
.sidebar-sticky {
  position: sticky;
  top: 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.sidebar-cta-card {
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--red);
  padding: 20px;
}
.sidebar-cta-card h4 {
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  margin: 8px 0 8px;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.sidebar-cta-card p {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-2);
  margin-bottom: 14px;
}
.sidebar-tools-card {
  background: var(--bg);
  border: 1px solid var(--rule);
  padding: 18px 20px;
}
.sidebar-tools-list {
  list-style: none;
  padding: 0;
  margin: 10px 0 0;
  font-family: var(--sans);
  font-size: 13px;
}
.sidebar-tools-list li {
  border-top: 1px solid var(--rule);
  padding: 10px 0;
}
.sidebar-tools-list li:first-child { border-top: 0; padding-top: 0; }
.sidebar-tools-list a {
  color: var(--ink);
  text-decoration: none;
  font-weight: 500;
  display: block;
  transition: color 120ms;
}
.sidebar-tools-list a:hover { color: var(--red); }
.sidebar-stat {
  background: var(--bg);
  border: 1px solid var(--rule);
  padding: 12px 18px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-family: var(--sans);
}
.sidebar-stat .stat-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.sidebar-stat strong {
  font-size: 14px;
  color: var(--ink);
}
.sidebar-disclosure {
  background: var(--bg);
  border: 1px solid var(--rule);
  padding: 14px 18px;
  font-family: var(--sans);
  font-size: 12px;
}
.sidebar-disclosure strong {
  color: var(--ink);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
}
.sidebar-disclosure p {
  color: var(--ink-3);
  line-height: 1.5;
  margin: 0;
}
.sidebar-disclosure a { color: var(--ink); border-bottom: 1px solid var(--ink-4); }
.btn-block { display: block; width: 100%; text-align: center; }
.btn-sm { padding: 7px 12px; font-size: 11px; }

/* Layout container that splits into article + sticky sidebar */
.with-sidebar {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 56px;
  align-items: start;
}
@media (max-width: 980px) {
  .with-sidebar { grid-template-columns: 1fr; }
  .sidebar-sticky { position: static; }
}

/* ========================================================================
   TABLE OF CONTENTS
   ======================================================================== */
.toc {
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--ink);
  padding: 18px 22px;
  margin: 24px 0 28px;
}
.toc-head {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 10px;
}
.toc-list {
  margin: 0;
  padding-left: 24px;
  font-family: var(--sans);
  font-size: 14px;
  line-height: 1.8;
}
.toc-list a {
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px dotted var(--ink-4);
  transition: color 120ms, border-color 120ms;
}
.toc-list a:hover { color: var(--red); border-bottom-color: var(--red); }

/* ========================================================================
   EMAIL CAPTURE (rate watch)
   ======================================================================== */
.email-capture-compact {
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}
.email-capture-compact input {
  flex: 1;
  min-width: 200px;
  padding: 10px 14px;
  font-family: var(--serif);
  font-size: 14px;
  border: 1px solid var(--rule);
  background: var(--bg);
  color: var(--ink);
  border-radius: 0;
}
.email-capture-compact input:focus { outline: 2px solid var(--red); outline-offset: 2px; }
.email-capture-compact button { white-space: nowrap; }

.email-capture-inline {
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--red);
  padding: 28px 32px;
  margin: 32px 0;
}
.email-capture-inline-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  align-items: center;
}
.email-capture-inline h3 {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.012em;
  line-height: 1.15;
  color: var(--ink);
  margin: 6px 0 8px;
}
.email-capture-inline p {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
}
.email-capture-inline-form {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.email-capture-inline-form input {
  padding: 14px 16px;
  font-family: var(--serif);
  font-size: 16px;
  border: 1px solid var(--rule);
  background: var(--bg);
  color: var(--ink);
  border-radius: 0;
}
.email-capture-inline-form input:focus { outline: 2px solid var(--red); outline-offset: 2px; }
.email-capture-tos {
  font-family: var(--sans);
  font-size: 11px;
  color: var(--ink-3);
  line-height: 1.5;
  margin: 4px 0 0;
}
.email-capture-tos a {
  color: var(--ink);
  border-bottom: 1px solid var(--ink-4);
}
@media (max-width: 800px) {
  .email-capture-inline-grid { grid-template-columns: 1fr; gap: 18px; }
  .email-capture-inline { padding: 22px; }
}

.email-capture-sidebar {
  background: var(--paper-soft);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--red);
  padding: 18px 20px;
}
.email-capture-sidebar h4 {
  font-family: var(--display);
  font-size: 16px;
  font-weight: 600;
  margin: 4px 0 6px;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.email-capture-sidebar p {
  font-family: var(--serif);
  font-size: 13px;
  line-height: 1.5;
  color: var(--ink-2);
  margin: 0 0 12px;
}
.email-capture-sidebar-form {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.email-capture-sidebar-form input {
  padding: 10px 12px;
  font-family: var(--serif);
  font-size: 14px;
  border: 1px solid var(--rule);
  background: var(--bg);
  color: var(--ink);
}
.email-capture-sidebar-form input:focus { outline: 2px solid var(--red); outline-offset: 2px; }

.email-capture-success {
  font-family: var(--sans);
  font-size: 13px;
  color: var(--red);
  font-weight: 600;
  margin: 4px 0 0;
}

/* ========================================================================
   LENDER MOBILE CARDS (responsive table replacement on mobile)
   ======================================================================== */
.lender-mobile-cards {
  display: none;
  flex-direction: column;
  gap: 14px;
  margin: 24px 0;
}
.lender-mobile-card {
  background: var(--bg);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--red);
  padding: 18px 20px;
}
.lmc-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--rule);
}
.lmc-best-for {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 4px;
}
.lmc-name {
  font-family: var(--display);
  font-size: 20px;
  font-weight: 600;
  letter-spacing: -0.012em;
  margin: 0;
  color: var(--ink);
  line-height: 1.15;
}
.lmc-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin: 0 0 16px;
}
.lmc-stats > div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.lmc-stats dt {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.lmc-stats dd {
  margin: 0;
  font-family: var(--sans);
  font-size: 14px;
  color: var(--ink);
  font-weight: 500;
}
.lmc-readmore {
  display: block;
  text-align: center;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  text-decoration: none;
  margin-top: 10px;
  padding: 6px 0;
}
.lmc-readmore:hover { color: var(--red); }

/* Toggle: show table on desktop, mobile cards on mobile */
@media (max-width: 720px) {
  .lender-table-wrap { display: none; }
  .lender-mobile-cards { display: flex; }
}

/* ========================================================================
   HEAD-TO-HEAD VERSUS PAGES
   ======================================================================== */
.versus-table-wrap {
  margin: 24px 0 32px;
  border: 1px solid var(--rule);
  background: var(--bg);
  overflow-x: auto;
}
.versus-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--sans);
  font-size: 14px;
}
.versus-table thead th {
  background: var(--ink);
  color: var(--paper);
  padding: 14px 18px;
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -0.005em;
  text-align: left;
  border-bottom: 2px solid var(--ink);
}
.versus-table thead th:first-child {
  background: var(--paper-soft);
  color: var(--ink-3);
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.versus-table tbody th {
  background: var(--paper-soft);
  text-align: left;
  padding: 14px 18px;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-3);
  border-bottom: 1px solid var(--rule);
  width: 28%;
}
.versus-table tbody td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
  color: var(--ink);
  font-weight: 500;
  vertical-align: top;
}
.versus-table tbody tr:last-child th,
.versus-table tbody tr:last-child td { border-bottom: 0; }

.versus-proscons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 24px 0 40px;
}
.versus-side {
  background: var(--bg);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--red);
  padding: 24px;
  display: flex;
  flex-direction: column;
}
.versus-side-h {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 600;
  margin: 0 0 18px;
  color: var(--ink);
  letter-spacing: -0.012em;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--rule);
}
.versus-pros, .versus-cons {
  margin-bottom: 16px;
}
.versus-pros h4, .versus-cons h4 {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 0 0 8px;
}
.versus-pros h4 { color: var(--red); }
.versus-cons h4 { color: var(--ink-3); }
.versus-pros ul, .versus-cons ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.versus-pros li, .versus-cons li {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-2);
  padding-left: 18px;
  position: relative;
  margin-bottom: 8px;
}
.versus-pros li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--red);
  font-weight: 700;
}
.versus-cons li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--ink-4);
  font-weight: 700;
}
.versus-side .btn {
  margin-top: auto;
}

.versus-winners {
  margin: 18px 0 32px;
}
.winner-row {
  display: grid;
  grid-template-columns: 1fr 1fr 2fr;
  gap: 24px;
  padding: 18px 24px;
  border-bottom: 1px solid var(--rule);
  align-items: center;
  background: var(--bg);
}
.winner-row:nth-child(odd) { background: var(--paper-soft); }
.winner-cat {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.winner-pick strong {
  font-family: var(--display);
  font-size: 18px;
  color: var(--ink);
  font-weight: 600;
}
.winner-why {
  font-family: var(--serif);
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.5;
}

@media (max-width: 720px) {
  .versus-proscons { grid-template-columns: 1fr; }
  .winner-row { grid-template-columns: 1fr; gap: 6px; padding: 16px 18px; }
  .winner-cat { font-size: 10px; }
}

/* ========================================================================
   HUB PAGES
   ======================================================================== */
.hub-section {
  margin: 32px 0;
}
.hub-section h2 {
  font-family: var(--display);
  font-size: 26px;
  font-weight: 600;
  letter-spacing: -0.012em;
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--rule);
  color: var(--ink);
}
.hub-links {
  display: flex;
  flex-direction: column;
}
.hub-link-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  padding: 16px 0;
  border-bottom: 1px solid var(--rule);
  color: inherit;
  text-decoration: none;
  transition: padding-left 140ms;
}
.hub-link-row:last-child { border-bottom: 0; }
.hub-link-row:hover {
  padding-left: 8px;
}
.hub-link-row:hover strong {
  color: var(--red);
}
.hub-link-row strong {
  font-family: var(--display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  display: block;
  margin-bottom: 2px;
  transition: color 140ms;
}
.hub-link-row p {
  font-family: var(--serif);
  font-size: 14px;
  line-height: 1.45;
  color: var(--ink-2);
  margin: 4px 0 0;
}
.hub-arrow {
  font-size: 20px;
  color: var(--ink-3);
  font-weight: 700;
  transition: color 140ms, transform 140ms;
  flex-shrink: 0;
}
.hub-link-row:hover .hub-arrow {
  color: var(--red);
  transform: translateX(4px);
}

/* ========================================================================
   SCROLL EMAIL MODAL (50% scroll trigger)
   ======================================================================== */
.scroll-modal {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.scroll-modal[hidden] { display: none; }
.scroll-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(15, 13, 10, 0.62);
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
  animation: smModalFade 240ms ease-out;
}
@keyframes smModalFade {
  from { opacity: 0; }
  to { opacity: 1; }
}
.scroll-modal-card {
  position: relative;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-top: 4px solid var(--red);
  width: 100%;
  max-width: 460px;
  padding: 36px 32px 28px;
  box-shadow: 0 30px 60px -20px rgba(0,0,0,0.32), 0 0 0 1px rgba(0,0,0,0.04);
  animation: smModalSlide 320ms cubic-bezier(0.22, 1, 0.36, 1);
}
@keyframes smModalSlide {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}
.scroll-modal-close {
  position: absolute;
  top: 12px;
  right: 12px;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  border: 0;
  color: var(--ink-3);
  cursor: pointer;
  padding: 0;
  border-radius: 50%;
  transition: color 140ms, background 140ms;
}
.scroll-modal-close:hover {
  color: var(--ink);
  background: var(--paper-soft);
}
.scroll-modal-body .kicker { margin-bottom: 8px; }
.scroll-modal-body h3 {
  font-family: var(--display);
  font-size: 28px;
  line-height: 1.1;
  font-weight: 600;
  letter-spacing: -0.018em;
  color: var(--ink);
  margin: 0 0 12px;
}
.scroll-modal-body p {
  font-family: var(--serif);
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0 0 18px;
}
.scroll-modal-form {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 12px;
}
.scroll-modal-form input[type="email"] {
  padding: 14px 16px;
  font-family: var(--serif);
  font-size: 16px;
  border: 1px solid var(--rule);
  background: var(--bg);
  color: var(--ink);
  border-radius: 0;
}
.scroll-modal-form input[type="email"]:focus {
  outline: 2px solid var(--red);
  outline-offset: 2px;
}
.scroll-modal-tos {
  font-family: var(--sans);
  font-size: 11px;
  color: var(--ink-3);
  line-height: 1.5;
  margin: 0 0 14px !important;
}
.scroll-modal-tos a {
  color: var(--ink);
  border-bottom: 1px solid var(--ink-4);
}
.scroll-modal-skip {
  display: block;
  width: 100%;
  background: transparent;
  border: 0;
  border-top: 1px solid var(--rule);
  padding: 14px 0 0;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--ink-3);
  cursor: pointer;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--ink-4);
  transition: color 140ms;
}
.scroll-modal-skip:hover { color: var(--ink); }

@media (max-width: 520px) {
  .scroll-modal { padding: 16px; align-items: flex-end; }
  .scroll-modal-card { padding: 32px 22px 20px; max-width: 100%; }
  .scroll-modal-body h3 { font-size: 24px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .scroll-modal-backdrop, .scroll-modal-card { animation: none; }
}