/* BJS Finances Homepage — Design Tokens & Base */
@import url('https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.7.2/css/all.min.css');

:root {
  --primary: #004BC7;
  --primary-alt: #0143C7;
  --white: #FFFFFF;
  --accent: #D72638;
  --primary-20: rgba(1, 67, 199, 0.2);
  --navy: #002A6E;
  --tint: #F2F6FD;
  --slate: #5A6B8C;
  --slate-15: rgba(90, 107, 140, 0.15);
  --slate-20: rgba(90, 107, 140, 0.2);
  --white-60: rgba(255, 255, 255, 0.6);
  --white-70: rgba(255, 255, 255, 0.7);
  --container-max: 1200px;
  --gutter: 24px;
  --section-pad-desktop: 120px;
  --section-pad-mobile: 72px;
  --radius-btn: 8px;
  --radius-card: 12px;
  --header-height: 72px;
  --font: 'Golos Text', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}

body {
  font-family: var(--font);
  font-weight: 400;
  font-size: 18px;
  line-height: 1.5;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  width: 100%;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

ul {
  list-style: none;
}

/* Typography */
.eyebrow {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1.2;
}

h1, .h1 {
  font-size: 56px;
  font-weight: 600;
  text-transform: uppercase;
  line-height: 0.98;
}

h2, .h2 {
  font-size: 42px;
  font-weight: 600;
  text-transform: uppercase;
  line-height: 1;
}

h3, .h3 {
  font-size: 22px;
  font-weight: 600;
  text-transform: uppercase;
  line-height: 1.1;
}

.caption {
  font-size: 13px;
  line-height: 1.45;
}

@media (max-width: 767px) {
  body { font-size: 16px; }
  .eyebrow { font-size: 12px; }
  h1, .h1 { font-size: 36px; }
  h2, .h2 { font-size: 28px; }
  h3, .h3 { font-size: 20px; }
  .caption { font-size: 12px; }
  :root { --gutter: 16px; }
}

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

.container--narrow {
  max-width: 760px;
}

.container--lead {
  max-width: 640px;
}

.section {
  padding-top: var(--section-pad-desktop);
  padding-bottom: var(--section-pad-desktop);
}

@media (max-width: 767px) {
  .section {
    padding-top: var(--section-pad-mobile);
    padding-bottom: var(--section-pad-mobile);
  }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  line-height: 1;
  padding: 16px 32px;
  border-radius: var(--radius-btn);
  transition: background-color 0.2s ease, transform 0.2s ease;
}

.btn--primary {
  background: var(--primary);
  color: var(--white);
}

.btn--primary:hover {
  background: var(--primary-alt);
}

.btn--primary:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.btn--primary:disabled {
  background: var(--primary-20);
  color: var(--slate);
  cursor: not-allowed;
}

.btn--white {
  background: var(--white);
  color: var(--primary);
}

.btn--white:hover {
  background: var(--tint);
}

.btn--white:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: 2px;
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.45);
}

.btn--outline-white:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.7);
}

.btn--outline-white:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: 2px;
}

.btn--outline {
  background: transparent;
  color: var(--primary);
  border: 1px solid var(--slate-20);
}

.btn--outline:hover {
  border-color: var(--primary);
  background: var(--tint);
}

.btn--outline:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

/* Icons */
.icon {
  flex-shrink: 0;
  display: block;
}

/* App Store CTA button */
.store-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.btn--app-store {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 18px;
  background: var(--white);
  color: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 10px;
  text-decoration: none;
  transition: background-color 0.2s ease, transform 0.2s ease;
}

.btn--app-store:hover {
  background: var(--tint);
}

.btn--app-store:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: 2px;
}

.btn--app-store__icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--navy);
}

.btn--app-store__text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.1;
}

.btn--app-store__label {
  font-size: 10px;
  font-weight: 400;
  letter-spacing: 0.02em;
}

.btn--app-store__store {
  font-size: 17px;
  font-weight: 600;
  letter-spacing: 0.01em;
}

/* Logo */
.header__logo-mark {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  object-fit: cover;
  flex-shrink: 0;
}

.footer__brand .header__logo-mark {
  border-radius: 8px;
}

/* Illustrations */
.hero__illustration img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius-card);
  object-fit: contain;
}

.feature-icon {
  width: 32px;
  height: 32px;
  display: block;
  flex-shrink: 0;
}

/* External SVG via <img> ignores CSS color — invert primary to white on blue tiles */
.why__icon-wrap .feature-icon,
.loan-type__icon .feature-icon,
.principles__card .why__icon-wrap .feature-icon {
  filter: brightness(0) invert(1);
}

.loan-type__icon .feature-icon {
  width: 28px;
  height: 28px;
}

.process-step__img {
  width: auto;
  max-width: 180px;
  height: auto;
  display: block;
  border-radius: var(--radius-card);
  object-fit: contain;
  object-position: center;
}

/* Cards */
.card {
  background: var(--white);
  border: 1px solid var(--slate-15);
  border-radius: var(--radius-card);
  padding: 24px;
}

/* Asset placeholders — swap each for a real <img> when assets are supplied */
.asset-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--primary-20);
  border: 1px dashed var(--slate-20);
  border-radius: var(--radius-btn);
  overflow: hidden;
  flex-shrink: 0;
}

.asset-placeholder__label {
  font-size: 11px;
  font-weight: 400;
  color: var(--slate);
  text-align: center;
  line-height: 1.3;
  padding: 8px;
  max-width: 100%;
}

.asset-placeholder--logo {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-btn);
}

.asset-placeholder--hero {
  width: 100%;
  max-width: 480px;
  aspect-ratio: 1;
  border-radius: var(--radius-card);
}

.asset-placeholder--node {
  width: 80px;
  height: 80px;
  border-radius: var(--radius-btn);
  background: var(--tint);
}

.asset-placeholder--security {
  width: 100%;
  max-width: 320px;
  aspect-ratio: 1;
  border-radius: var(--radius-card);
}

.asset-placeholder--why {
  width: 32px;
  height: 32px;
}

.asset-placeholder--why-icon {
  width: 32px;
  height: 32px;
}

.asset-placeholder--on-navy {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.18);
}

.asset-placeholder--on-navy .asset-placeholder__label {
  color: rgba(255, 255, 255, 0.55);
}

.asset-placeholder--badge {
  width: 135px;
  height: 40px;
  border-radius: 6px;
}

.asset-placeholder--on-blue {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.2);
}

.asset-placeholder--on-blue .asset-placeholder__label {
  color: rgba(255, 255, 255, 0.6);
}

.asset-placeholder--app-screen {
  width: 100%;
  aspect-ratio: 9 / 19.5;
  border-radius: 0;
  border: none;
  background: rgba(255, 255, 255, 0.08);
}

@media (min-width: 768px) {
  .card { padding: 32px; }
}

/* Scroll reveal — content visible by default; hidden only when JS is active */
.reveal {
  transform: translateY(0);
}

.js .reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.4s ease-out, transform 0.4s ease-out;
}

.js .reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .js .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* Halftone fade divider — pure CSS per §1.5 (hero bottom + CTA top only) */
.halftone-fade {
  height: 48px;
  width: 100%;
  flex-shrink: 0;
  background-color: var(--white);
  background-image: radial-gradient(var(--primary) 1.4px, transparent 1.5px);
  background-size: 10px 10px;
  -webkit-mask-image: linear-gradient(to bottom, var(--primary) 0%, transparent 90%);
  mask-image: linear-gradient(to bottom, var(--primary) 0%, transparent 90%);
  opacity: 0.5;
  pointer-events: none;
}

/* white section above → blue section below (CTA top) */
.halftone-fade--into-blue {
  transform: scaleY(-1);
}

/* blue above → light section below (hero bottom) */
.halftone-fade--bleed {
  position: relative;
  z-index: 2;
  margin-bottom: -48px;
  background-color: var(--white);
}

/* homepage: blue hero → white CTA card */
.halftone-fade--bleed + .hero__bottom {
  padding-top: 16px;
}

/* inner pages: blue hero → tint section (overlap so tint shows through the fade) */
.halftone-fade--bleed.halftone-fade--to-tint,
.halftone-fade--bleed:has(+ .section--light),
.halftone-fade--bleed:has(+ .compliance) {
  background-color: var(--tint);
  margin-bottom: -48px;
}

.halftone-fade--bleed.halftone-fade--to-tint + .section--light,
.halftone-fade--bleed:has(+ .section--light) + .section--light,
.halftone-fade--bleed:has(+ .compliance) + .compliance {
  padding-top: calc(var(--section-pad-desktop) + 16px);
}

@media (max-width: 767px) {
  .halftone-fade--bleed.halftone-fade--to-tint + .section--light,
  .halftone-fade--bleed:has(+ .section--light) + .section--light,
  .halftone-fade--bleed:has(+ .compliance) + .compliance {
    padding-top: calc(var(--section-pad-mobile) + 16px);
  }
}

/* Decorative layers — §1.7 (texture, not ornament) */
.section--decorated {
  position: relative;
  overflow-x: clip;
}

.section--decor-dark {
  position: relative;
  overflow: hidden;
}

.section-number {
  position: absolute;
  top: 40px;
  right: 48px;
  font-size: 160px;
  font-weight: 600;
  line-height: 1;
  pointer-events: none;
  user-select: none;
  z-index: 1;
}

.section-number--light {
  color: var(--primary);
  opacity: 0.05;
}

.section-number--dark {
  color: var(--white);
  opacity: 0.06;
}

@media (max-width: 767px) {
  .section-number {
    top: 24px;
    right: 16px;
    font-size: 100px;
  }
}

.halftone-corner {
  position: absolute;
  pointer-events: none;
  user-select: none;
  z-index: 1;
  background-image: radial-gradient(#ffffff 1.3px, transparent 1.4px);
  background-size: 12px 12px;
  opacity: 0.1;
}

.halftone-corner--bl {
  bottom: 0;
  left: 0;
  width: 50%;
  height: 55%;
  -webkit-mask-image: radial-gradient(ellipse at bottom left, #000 0%, transparent 70%);
  mask-image: radial-gradient(ellipse at bottom left, #000 0%, transparent 70%);
}

.halftone-corner--tr {
  top: 0;
  right: 0;
  width: 42%;
  height: 48%;
  opacity: 0.08;
  -webkit-mask-image: radial-gradient(ellipse at top right, #000 0%, transparent 70%);
  mask-image: radial-gradient(ellipse at top right, #000 0%, transparent 70%);
}

.halftone-corner--footer {
  opacity: 0.06;
  width: 55%;
  height: 60%;
}

.section--decorated > .container,
.section--decor-dark > .container,
.final-cta > .container {
  position: relative;
  z-index: 2;
}

/* ========== HEADER ========== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--header-height);
  transition: background-color 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.header--transparent {
  background: transparent;
}

.header--transparent .header__logo-text,
.header--transparent .header__nav-link,
.header--transparent .header__menu-btn {
  color: var(--white);
}

.header--scrolled {
  background: var(--white);
  border-bottom: 1px solid var(--slate-15);
  box-shadow: 0 1px 8px rgba(0, 42, 110, 0.06);
}

.header--scrolled .header__logo-text,
.header--scrolled .header__nav-link {
  color: var(--primary);
}

.header__inner {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  height: 100%;
  gap: 16px;
}

.header__logo {
  justify-self: start;
}

.header__nav {
  justify-self: center;
}

.header__actions {
  justify-self: end;
}

.header__logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.header__logo-text {
  font-size: 20px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: color 0.3s ease;
}

.header__nav {
  display: none;
  align-items: center;
  gap: 32px;
}

@media (max-width: 767px) {
  .header__inner {
    grid-template-columns: 1fr auto;
  }
}

@media (min-width: 768px) {
  .header__nav { display: flex; }
}

.header__nav-link {
  font-size: 15px;
  font-weight: 400;
  transition: color 0.3s ease, opacity 0.2s ease;
}

.header__nav-link:hover {
  opacity: 0.75;
}

.header__nav-link.is-active {
  font-weight: 600;
  opacity: 1;
}

.header--transparent .header__nav-link.is-active {
  box-shadow: inset 0 -2px 0 rgba(255, 255, 255, 0.85);
}

.header--scrolled .header__nav-link.is-active {
  color: var(--navy);
  box-shadow: inset 0 -2px 0 var(--primary);
}

.header__nav-link:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 4px;
  border-radius: 2px;
}

.header__actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header__cta {
  display: none;
}

@media (min-width: 768px) {
  .header__cta { display: inline-flex; }
}

.header__menu-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  color: var(--primary);
  transition: color 0.3s ease;
}

@media (min-width: 768px) {
  .header__menu-btn { display: none; }
}

.header__menu-btn:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  border-radius: var(--radius-btn);
}

.header__mobile-menu {
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--slate-15);
  padding: 24px var(--gutter);
  transform: translateY(-100%);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.3s ease, opacity 0.3s ease, visibility 0.3s ease;
  z-index: 99;
}

.header__mobile-menu.is-open {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

.header__mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.header__mobile-nav a,
.header__mobile-nav-link {
  font-size: 16px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--primary);
  padding: 8px 0;
}

.header__mobile-nav-link.is-active {
  color: var(--navy);
  border-left: 3px solid var(--primary);
  padding-left: 12px;
  margin-left: -15px;
}

.header__mobile-nav .btn {
  margin-top: 8px;
  width: 100%;
}

/* ========== HERO ========== */
.hero {
  min-height: 90vh;
  background: var(--primary);
  color: var(--white);
  padding-top: var(--header-height);
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
}

.hero__content {
  display: flex;
  align-items: center;
  position: relative;
  padding-top: 32px;
  padding-bottom: 32px;
}

@media (max-width: 767px) {
  .hero:not(.hero--compact) {
    min-height: auto;
    justify-content: flex-start;
    padding-bottom: 16px;
  }

  .hero__content {
    padding-top: 24px;
    padding-bottom: 16px;
  }

  .hero:not(.hero--compact) .hero__text .eyebrow {
    margin-bottom: 16px;
  }

  .hero:not(.hero--compact) .hero__text h1 {
    margin-bottom: 16px;
  }
}

.hero__text {
  position: relative;
  z-index: 2;
  max-width: 640px;
}

.hero__text .eyebrow {
  margin-bottom: 24px;
  color: var(--white-70);
}

.hero__text h1 {
  margin-bottom: 24px;
}

.hero__subhead {
  font-size: 18px;
  line-height: 1.5;
  max-width: 520px;
  color: var(--white-70);
}

@media (max-width: 767px) {
  .hero__subhead { font-size: 16px; }
}

.hero__illustration {
  position: absolute;
  top: -10%;
  right: -5%;
  width: 45%;
  max-width: 480px;
  z-index: 1;
  opacity: 0.9;
  pointer-events: none;
}

/* Homepage hero illustration — adjust top here only */
body[data-page="home"] .hero__illustration {
  top: 6%;
}

/* Mobile: no hero illustrations — desktop unchanged */
@media (max-width: 767px) {
  .hero .hero__illustration,
  .hero img.hero__illustration {
    display: none;
  }
}

.hero__bottom {
  position: relative;
  background: var(--white);
  padding-bottom: 48px;
}

.hero__cta-card {
  position: relative;
  z-index: 3;
  background: var(--white);
  border-radius: var(--radius-card);
  padding: 32px;
  margin-top: -72px;
  margin-bottom: 0;
  box-shadow: 0 8px 40px rgba(0, 42, 110, 0.12);
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
}

@media (min-width: 768px) {
  .hero__cta-card {
    padding: 36px 40px;
    margin-top: -96px;
  }
}

.hero__cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

.hero__cta-micro {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  font-size: 13px;
  color: var(--slate);
  margin: 0;
}

.hero__cta-micro .icon--lock {
  color: var(--primary);
}

@media (max-width: 767px) {
  .hero__cta-micro { font-size: 12px; }
}

/* ========== TRUST STRIP ========== */
.trust-strip {
  background: var(--white);
  padding: 28px 0;
}

.trust-strip__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
}

@media (min-width: 768px) {
  .trust-strip__grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trust-strip__item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  font-size: 14px;
  font-weight: 400;
  color: var(--navy);
  border-right: 1px solid var(--slate-20);
}

.trust-strip__item:last-child {
  border-right: none;
}

@media (max-width: 767px) {
  .trust-strip__item:nth-child(2) {
    border-right: none;
  }
  .trust-strip__item:nth-child(1),
  .trust-strip__item:nth-child(2) {
    border-bottom: 1px solid var(--slate-20);
  }
}

.trust-strip__icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  color: var(--primary);
}

.trust-strip__icon--text {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.02em;
  width: auto;
}

/* ========== DATA FLOW — THE DARK STAR ========== */
.data-flow {
  background: var(--navy);
  color: var(--white);
}

.data-flow__header {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-bottom: 64px;
  text-align: left;
}

@media (min-width: 768px) {
  .data-flow__header {
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: end;
  }
}

.data-flow__header .eyebrow {
  color: var(--white-70);
  margin-bottom: 16px;
}

.data-flow__header h2 {
  font-size: 64px;
  line-height: 0.98;
}

@media (max-width: 767px) {
  .data-flow__header h2 {
    font-size: 36px;
  }
}

.data-flow__lead {
  color: var(--white-70);
  font-size: 18px;
  line-height: 1.5;
}

@media (max-width: 767px) {
  .data-flow__lead { font-size: 16px; }
}

.data-flow__diagram {
  position: relative;
  margin-bottom: 48px;
}

.data-flow__security-anchor {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 40px;
  padding: 10px 20px;
  border-radius: 100px;
  background: rgba(0, 75, 199, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.15);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--white);
}

@media (max-width: 767px) {
  .data-flow__security-anchor {
    display: flex;
    flex-wrap: wrap;
    max-width: 100%;
    font-size: 11px;
    padding: 8px 16px;
  }
}

.data-flow__nodes {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 48px;
  position: relative;
}

@media (min-width: 768px) {
  .data-flow__nodes {
    flex-direction: row;
    justify-content: space-between;
    align-items: flex-start;
    gap: 24px;
  }
}

.data-flow__node {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 300px;
  position: relative;
  z-index: 2;
}

.data-flow__circle {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  position: relative;
}

.data-flow__step {
  position: absolute;
  top: 12px;
  right: 16px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--white-60);
}

.data-flow__icon {
  font-size: 40px;
  line-height: 1;
  color: var(--white);
  opacity: 0.92;
  filter: drop-shadow(0 2px 8px rgba(0, 0, 0, 0.15));
}

.data-flow__node-name {
  margin-bottom: 12px;
  color: var(--white);
}

.data-flow__node-caption {
  font-size: 15px;
  color: var(--white-70);
  line-height: 1.5;
}

.data-flow__disclaimer {
  max-width: 720px;
  font-size: 13px;
  color: var(--white-60);
  line-height: 1.45;
}

@media (max-width: 767px) {
  .data-flow__disclaimer { font-size: 12px; }
}

/* ========== WHY BJS Finances ========== */
.why {
  background: var(--white);
}

.why__header {
  text-align: left;
  margin-bottom: 56px;
}

.why__header .eyebrow {
  color: var(--primary);
  margin-bottom: 16px;
}

.why__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 768px) {
  .why__grid {
    grid-template-columns: repeat(3, 1fr);
    grid-template-rows: auto auto;
    gap: 24px;
  }

  .why__card--featured {
    grid-column: 1;
    grid-row: 1 / 3;
  }

  .why__card--wide {
    grid-column: 2 / 4;
    grid-row: 2;
  }
}

.why__card {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.why__card--featured {
  background: var(--primary);
  color: var(--white);
  border-radius: var(--radius-card);
  padding: 32px;
}

@media (min-width: 768px) {
  .why__card--featured {
    padding: 40px;
    justify-content: center;
  }
}

.why__card--featured p {
  color: var(--white-70);
}

.why__icon-wrap {
  width: 56px;
  height: 56px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-btn);
  display: flex;
  align-items: center;
  justify-content: center;
}

.why__icon-wrap--light {
  background: var(--primary);
}

.why__icon-wrap .asset-placeholder,
.why__icon-wrap img {
  width: 32px;
  height: 32px;
}

.why__card:not(.why__card--featured) p {
  color: var(--slate);
  font-size: 16px;
}

.why__card--featured p {
  font-size: 16px;
}

@media (min-width: 768px) {
  .why__card:not(.why__card--featured) p,
  .why__card--featured p { font-size: 18px; }
}

/* ========== SECURITY (lightened) ========== */
.security {
  background: var(--white);
}

.security__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 1024px) {
  .security__inner {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
  }
}

.security__content .eyebrow {
  color: var(--primary);
  margin-bottom: 16px;
}

.security__content h2 {
  margin-bottom: 40px;
  color: var(--navy);
}

.security__points {
  display: flex;
  flex-direction: column;
  gap: 32px;
  margin-bottom: 40px;
}

.security__point {
  display: flex;
  gap: 16px;
}

.security__point-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  color: var(--primary);
  margin-top: 2px;
}

.security__point h3 {
  font-size: 15px;
  margin-bottom: 8px;
  color: var(--navy);
}

.security__point p {
  font-size: 16px;
  color: var(--slate);
  line-height: 1.5;
}

.security__link {
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: opacity 0.2s ease;
}

.security__link:hover {
  opacity: 0.75;
}

.security__link:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 4px;
  border-radius: 2px;
}

.security__panel {
  position: relative;
  background: var(--primary);
  border-radius: var(--radius-card);
  min-height: 280px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 24px;
}

@media (min-width: 768px) {
  .security__panel {
    min-height: 360px;
    padding: 48px;
    overflow: visible;
  }
}

.security__illustration-img {
  display: block;
  width: auto;
  max-width: 72%;
  max-height: 220px;
  margin: 0;
  flex-shrink: 0;
  height: auto;
  object-fit: contain;
  object-position: center;
}

@media (min-width: 768px) {
  .security__illustration-img {
    max-width: 300px;
    max-height: 280px;
  }
}

/* ========== COMPLIANCE ========== */
.compliance {
  background: var(--tint);
}

.compliance__header {
  text-align: left;
  margin-bottom: 56px;
}

.compliance__lead {
  color: var(--slate);
  margin-top: 16px;
}

.compliance__facts {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  margin-bottom: 48px;
}

@media (min-width: 768px) {
  .compliance__facts {
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
  }
}

.compliance__fact {
  text-align: left;
}

@media (min-width: 768px) {
  .compliance__fact:nth-child(1) { margin-top: 0; }
  .compliance__fact:nth-child(2) { margin-top: 24px; }
  .compliance__fact:nth-child(3) { margin-top: 8px; }
  .compliance__fact:nth-child(4) { margin-top: 32px; }
}

.compliance__fact-number {
  font-size: 28px;
  font-weight: 600;
  color: var(--primary);
  line-height: 1.1;
  margin-bottom: 8px;
}

@media (min-width: 768px) {
  .compliance__fact-number { font-size: 32px; }
}

.compliance__fact-label {
  font-size: 14px;
  color: var(--slate);
}

.compliance__example {
  margin-bottom: 32px;
  font-size: 16px;
  color: var(--slate);
  line-height: 1.5;
}

.compliance__disclaimer {
  text-align: left;
  font-size: 13px;
  color: var(--slate);
  line-height: 1.45;
}

@media (max-width: 767px) {
  .compliance__disclaimer { font-size: 12px; }
}

/* ========== FAQ ========== */
.faq {
  background: var(--white);
}

.faq__header {
  text-align: left;
  margin-bottom: 48px;
}

.faq__list {
  border-top: 1px solid var(--slate-15);
}

.faq__item {
  border-bottom: 1px solid var(--slate-15);
}

.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 24px 0;
  text-align: left;
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--navy);
  transition: color 0.2s ease;
}

.faq__question:hover {
  color: var(--primary);
}

.faq__question:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  border-radius: 2px;
}

.faq__toggle {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  font-weight: 400;
  color: var(--primary);
  transition: transform 0.3s ease;
  line-height: 1;
}

.faq__item.is-open .faq__toggle {
  transform: rotate(45deg);
}

.faq__answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.4s ease-out;
}

.faq__answer-inner {
  padding-bottom: 24px;
  font-size: 16px;
  color: var(--slate);
  line-height: 1.5;
}

@media (prefers-reduced-motion: reduce) {
  .faq__answer {
    transition: none;
  }
}

/* ========== FINAL CTA ========== */
.final-cta {
  background: var(--primary);
  color: var(--white);
  overflow: hidden;
}

.final-cta__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
  padding-top: var(--section-pad-desktop);
  padding-bottom: var(--section-pad-desktop);
}

@media (min-width: 1024px) {
  .final-cta__inner {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
  }
}

@media (max-width: 767px) {
  .final-cta__inner {
    padding-top: var(--section-pad-mobile);
    padding-bottom: var(--section-pad-mobile);
  }
}

.final-cta__content .eyebrow {
  color: var(--white-70);
  margin-bottom: 16px;
}

.final-cta__content h2 {
  margin-bottom: 24px;
}

.final-cta__subhead {
  font-size: 18px;
  color: var(--white-70);
  margin-bottom: 32px;
  line-height: 1.5;
}

@media (max-width: 767px) {
  .final-cta__subhead { font-size: 16px; }
}

.final-cta__micro {
  margin-top: 20px;
  font-size: 13px;
  color: var(--white-60);
}

@media (max-width: 767px) {
  .final-cta__micro { font-size: 12px; }
}

.final-cta__phones {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 400px;
}

.final-cta__phone {
  position: absolute;
  width: 200px;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 42, 110, 0.3);
  border: 3px solid rgba(255, 255, 255, 0.15);
}

.final-cta__phone--1 {
  transform: rotate(-8deg) translateX(-80px);
  z-index: 1;
}

.final-cta__phone--2 {
  transform: rotate(2deg);
  z-index: 3;
}

.final-cta__phone--3 {
  transform: rotate(10deg) translateX(80px);
  z-index: 2;
}

@media (max-width: 767px) {
  .final-cta__phones {
    min-height: 320px;
  }
  .final-cta__phone {
    width: 140px;
  }
  .final-cta__phone--1 {
    transform: rotate(-8deg) translateX(-50px);
  }
  .final-cta__phone--3 {
    transform: rotate(10deg) translateX(50px);
  }
}

.final-cta__phone-frame {
  background: var(--navy);
  padding: 8px;
  border-radius: 24px;
}

.final-cta__phone-screen {
  border-radius: 16px;
  overflow: hidden;
  background: var(--white);
}

.final-cta__phone-screen img {
  width: 100%;
  height: auto;
  display: block;
}

/* ========== FOOTER ========== */
.footer {
  position: relative;
  background: var(--navy);
  color: var(--white-70);
  padding: 64px 0 40px;
  overflow: hidden;
}

.footer__top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

@media (min-width: 768px) {
  .footer__top {
    grid-template-columns: minmax(200px, 1fr) 2.4fr;
    gap: 48px;
    align-items: start;
  }
}

@media (min-width: 1024px) {
  .footer__top {
    grid-template-columns: minmax(240px, 1fr) 3fr;
    gap: 64px;
  }
}

.footer__brand .header__logo {
  display: inline-flex;
  margin-bottom: 12px;
  text-decoration: none;
}

.footer__brand .header__logo-text {
  color: var(--white);
}

.footer__tagline {
  font-size: 15px;
  line-height: 1.5;
  max-width: 280px;
}

.footer__links {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

@media (min-width: 1024px) {
  .footer__links {
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
  }
}

.footer__col-title {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white);
  margin-bottom: 16px;
}

.footer__col a {
  display: block;
  font-size: 14px;
  padding: 6px 0;
  transition: color 0.2s ease;
}

.footer__col a:hover {
  color: var(--white);
}

.footer__col a:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: 2px;
  border-radius: 2px;
}

.footer__divider {
  border: none;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  margin-bottom: 32px;
}

.footer__disclaimer {
  font-size: 12px;
  line-height: 1.5;
  margin-bottom: 16px;
}

.footer__copyright {
  font-size: 12px;
}

/* ========== INNER PAGES ========== */
.hero--compact {
  min-height: min(56vh, 520px);
}

@media (max-width: 767px) {
  .hero--compact {
    min-height: auto;
    padding-bottom: 16px;
  }
}

.hero--compact + .halftone-fade--bleed:not(.halftone-fade--to-tint):not(:has(+ .section--light)):not(:has(+ .compliance)) {
  margin-bottom: 0;
}

.section--light {
  background: var(--tint);
}

.section-header {
  text-align: left;
  margin-bottom: 48px;
}

.section-header--center {
  text-align: center;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.section-header .eyebrow {
  color: var(--primary);
  margin-bottom: 16px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-lead {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.5;
}

@media (max-width: 767px) {
  .section-lead { font-size: 16px; }
}

.section-closing {
  text-align: center;
  max-width: 640px;
  margin: 48px auto 0;
  color: var(--slate);
  font-size: 18px;
  line-height: 1.5;
}

/* Mini-flow (How It Works — big picture) */
.mini-flow {
  position: relative;
  margin-top: 48px;
}

.mini-flow__connector {
  position: absolute;
  top: 40px;
  left: 18%;
  right: 18%;
  height: 0;
  border-top: 2px dotted var(--primary-20);
  display: none;
}

@media (min-width: 768px) {
  .mini-flow__connector { display: block; }
}

.mini-flow__items {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  position: relative;
  z-index: 2;
}

@media (min-width: 768px) {
  .mini-flow__items {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.mini-flow__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.mini-flow__circle {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--slate-15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.mini-flow__circle .asset-placeholder,
.mini-flow__circle img,
.mini-flow__circle .feature-icon {
  width: 40px;
  height: 40px;
}

.mini-flow__icon {
  font-size: 32px;
  line-height: 1;
  color: var(--primary);
}

.mini-flow__name {
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--primary);
  margin-bottom: 8px;
}

.mini-flow__caption {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.5;
  max-width: 240px;
}

/* Step-by-step process */
.process-steps {
  position: relative;
}

.process-steps__header {
  text-align: left;
  margin-bottom: 64px;
}

.process-steps__line {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 24px;
  width: 0;
  border-left: 2px dotted var(--primary-20);
  display: none;
}

@media (min-width: 1024px) {
  .process-steps__line {
    display: block;
    left: 50%;
    transform: translateX(-50%);
  }
}

.process-step {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: center;
  padding: 48px 0;
  position: relative;
  z-index: 2;
}

.process-step + .process-step {
  border-top: 1px solid var(--slate-15);
}

@media (min-width: 1024px) {
  .process-step {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    padding: 64px 0;
  }

  .process-step + .process-step {
    border-top: none;
  }

  .process-step--illust-right .process-step__illustration {
    order: 2;
  }

  .process-step--illust-right .process-step__content {
    order: 1;
    text-align: right;
  }

  .process-step--illust-left .process-step__content {
    text-align: left;
  }
}

.process-step__number {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--primary);
  margin-bottom: 12px;
}

.process-step__content h3 {
  margin-bottom: 16px;
}

.process-step__content p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.5;
  max-width: 480px;
}

@media (min-width: 1024px) {
  .process-step--illust-right .process-step__content p {
    margin-left: auto;
  }
}

.process-step__illustration {
  display: flex;
  justify-content: center;
}

.process-step__illustration .asset-placeholder {
  width: 100%;
  max-width: 200px;
  aspect-ratio: 1;
  border-radius: var(--radius-card);
}

@media (min-width: 768px) {
  .process-step__img {
    max-width: 220px;
  }
}

@media (min-width: 1024px) {
  .process-step__img {
    max-width: 240px;
  }
}

/* Dark star — are/aren't, how we make money */
.dark-star {
  background: var(--navy);
  color: var(--white);
}

.dark-star__header {
  text-align: left;
  margin-bottom: 48px;
}

.dark-star__header h2 {
  color: var(--white);
}

.dark-star__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

@media (min-width: 768px) {
  .dark-star__grid {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
  }
}

.dark-star__col-title {
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 24px;
  color: var(--white);
}

.dark-star__list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.dark-star__list-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 16px;
  line-height: 1.5;
  color: var(--white-70);
}

.dark-star__icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  color: var(--white);
}

.dark-star__closing {
  font-size: 15px;
  color: var(--white-60);
  line-height: 1.5;
  max-width: 720px;
}

.dark-star__body {
  max-width: 640px;
}

.dark-star__body p {
  font-size: 18px;
  line-height: 1.5;
  color: var(--white-70);
  margin-bottom: 24px;
}

.dark-star__body p:last-child {
  margin-bottom: 0;
}

.dark-star__pullquote {
  font-size: 24px;
  font-weight: 600;
  text-transform: uppercase;
  line-height: 1.2;
  color: var(--white);
  margin: 32px 0;
  padding-left: 20px;
  border-left: 3px solid rgba(255, 255, 255, 0.25);
}

@media (max-width: 767px) {
  .dark-star__pullquote {
    font-size: 18px;
  }
}

.dark-star__note {
  margin-top: 24px;
  font-size: 13px;
  color: var(--white-60);
  font-style: italic;
}

/* Mirrored split (data/security blocks on inner pages) */
.split-block {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 1024px) {
  .split-block {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
  }

  .split-block--mirrored .split-block__visual {
    order: 2;
  }

  .split-block--mirrored .split-block__content {
    order: 1;
  }
}

.split-block__content h2 {
  margin-bottom: 24px;
}

.split-block__content p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.5;
  margin-bottom: 24px;
}

@media (min-width: 768px) {
  .split-block__content p { font-size: 18px; }
}

.split-block__link {
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--primary);
  display: inline-flex;
  transition: opacity 0.2s ease;
}

.split-block__link:hover {
  opacity: 0.75;
}

.split-block__links {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.split-block__visual {
  position: relative;
}

.split-block__visual .asset-placeholder,
.split-block__visual img {
  width: auto;
  max-width: 280px;
  height: auto;
  display: block;
  object-fit: contain;
  border-radius: var(--radius-card);
}

@media (min-width: 768px) {
  .split-block__visual .asset-placeholder,
  .split-block__visual img {
    max-width: 320px;
  }
}

.split-block__visual--bleed .asset-placeholder,
.split-block__visual--bleed img {
  max-width: 400px;
  margin-right: -10%;
}

.split-block--mirrored .split-block__visual--bleed .asset-placeholder,
.split-block--mirrored .split-block__visual--bleed img {
  margin-right: 0;
  margin-left: -10%;
}

/* Reading column (About) */
.reading-block {
  position: relative;
}

.reading-block__inner {
  max-width: 640px;
}

.reading-block__inner h2 {
  margin-bottom: 24px;
}

.reading-block__inner p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.5;
  margin-bottom: 20px;
}

.reading-block__inner p:last-child {
  margin-bottom: 0;
}

@media (min-width: 768px) {
  .reading-block__inner p { font-size: 18px; }
}

.reading-block__illustration {
  position: absolute;
  top: 0;
  right: -5%;
  width: auto;
  max-width: 280px;
  pointer-events: none;
  opacity: 0.9;
}

.reading-block__illustration img {
  width: auto;
  max-width: 280px;
  height: auto;
  display: block;
  object-fit: contain;
  border-radius: var(--radius-card);
}

@media (min-width: 1024px) {
  .reading-block__illustration,
  .reading-block__illustration img {
    max-width: 300px;
  }
}

@media (max-width: 1023px) {
  .reading-block__illustration {
    position: relative;
    right: auto;
    width: auto;
    max-width: 240px;
    margin-top: 40px;
    opacity: 1;
  }

  .reading-block__illustration img {
    max-width: 240px;
  }
}

/* Principles grid (About — stand for) */
.principles__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 768px) {
  .principles__grid {
    grid-template-columns: repeat(3, 1fr);
    grid-template-rows: auto auto;
    gap: 24px;
  }

  .principles__card--featured {
    grid-column: 1;
    grid-row: 1 / 3;
  }

  .principles__card--wide {
    grid-column: 2 / 4;
    grid-row: 2;
  }
}

.principles__card {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.principles__card--featured {
  background: var(--primary);
  color: var(--white);
  border-radius: var(--radius-card);
  padding: 32px;
}

@media (min-width: 768px) {
  .principles__card--featured {
    padding: 40px;
    justify-content: center;
  }
}

.principles__card--featured p {
  color: var(--white-70);
}

.principles__card:not(.principles__card--featured) p {
  color: var(--slate);
}

/* Basics plate */
.basics-plate {
  max-width: 800px;
}

.basics-plate h2 {
  margin-bottom: 20px;
}

.basics-plate p {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.5;
}

/* Inner page FAQ link */
.section-link {
  display: inline-flex;
  margin-top: 32px;
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--primary);
  transition: opacity 0.2s ease;
}

.section-link:hover {
  opacity: 0.75;
}

.section-link:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 4px;
  border-radius: 2px;
}

/* Inner page compliance — 5 facts */
.compliance__facts--five {
  grid-template-columns: repeat(2, 1fr);
}

@media (min-width: 768px) {
  .compliance__facts--five {
    grid-template-columns: repeat(3, 1fr);
  }

  .compliance__facts--five .compliance__fact:nth-child(1) { margin-top: 0; }
  .compliance__facts--five .compliance__fact:nth-child(2) { margin-top: 20px; }
  .compliance__facts--five .compliance__fact:nth-child(3) { margin-top: 8px; }
  .compliance__facts--five .compliance__fact:nth-child(4) { margin-top: 28px; }
  .compliance__facts--five .compliance__fact:nth-child(5) { margin-top: 12px; }
}

/* Rates page */
.section-caption {
  margin-top: 32px;
  font-size: 15px;
  color: var(--slate);
  line-height: 1.5;
  max-width: 640px;
}

.calc-card {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

@media (min-width: 768px) {
  .calc-card {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px 32px;
  }
}

.calc-card__item-label {
  font-size: 13px;
  color: var(--slate);
  margin-bottom: 6px;
}

.calc-card__item-value {
  font-size: 22px;
  font-weight: 600;
  color: var(--primary);
  line-height: 1.1;
}

@media (min-width: 768px) {
  .calc-card__item-value { font-size: 26px; }
}

.calc-card__disclaimer {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.45;
}

.loan-types__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-bottom: 32px;
}

@media (min-width: 768px) {
  .loan-types__grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.loan-type {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.loan-type__icon {
  width: 56px;
  height: 56px;
  background: var(--primary);
  border-radius: var(--radius-btn);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
}

.loan-type__icon img,
.loan-type__icon .feature-icon {
  width: 28px;
  height: 28px;
}

.loan-type p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.5;
}

@media (min-width: 768px) {
  .loan-type p { font-size: 18px; }
}

.cost-points {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-bottom: 32px;
}

.cost-point h3 {
  font-size: 15px;
  margin-bottom: 8px;
  color: var(--navy);
}

.cost-point p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.5;
}

@media (min-width: 768px) {
  .cost-point p { font-size: 18px; }
}

/* FAQ page */
.faq-hero__nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 0;
  margin-top: 32px;
}

.faq-hero__nav a {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--white-70);
  transition: color 0.2s ease;
  padding: 4px 0;
}

.faq-hero__nav a:hover {
  color: var(--white);
}

.faq-hero__nav a:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: 4px;
  border-radius: 2px;
}

.faq-hero__nav-sep {
  color: var(--white-60);
  font-size: 13px;
  padding: 0 12px;
  user-select: none;
}

.faq-group {
  padding-top: var(--section-pad-desktop);
  padding-bottom: var(--section-pad-desktop);
}

@media (max-width: 767px) {
  .faq-group {
    padding-top: var(--section-pad-mobile);
    padding-bottom: var(--section-pad-mobile);
  }
}

.faq-group--tint {
  background: var(--tint);
}

.faq-group__heading {
  text-align: left;
  margin-bottom: 32px;
}

.faq-group__heading h2 {
  font-size: 28px;
}

@media (max-width: 767px) {
  .faq-group__heading h2 { font-size: 22px; }
}

.faq-still {
  background: var(--white);
}

.faq-still__inner {
  max-width: 640px;
}

.faq-still__inner h2 {
  margin-bottom: 16px;
}

.faq-still__inner p {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.5;
  margin-bottom: 24px;
}

@media (max-width: 767px) {
  .faq-still__inner p { font-size: 16px; }
}

.final-cta--navy {
  background: var(--navy);
}

/* Contact page */
.contact-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 768px) {
  .contact-cards {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.contact-card {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 28px;
}

.contact-card__icon {
  width: 48px;
  height: 48px;
  background: var(--tint);
  border-radius: var(--radius-btn);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
}

.contact-card__label {
  font-size: 15px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy);
}

.contact-card__text {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.5;
}

.contact-card__placeholder {
  font-size: 14px;
  color: var(--slate);
  font-style: italic;
  line-height: 1.5;
}

.contact-card__placeholder--inline {
  display: inline;
}

.quick-links {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.quick-links a {
  font-size: 16px;
  font-weight: 600;
  color: var(--primary);
  transition: opacity 0.2s ease;
}

.quick-links a:hover {
  opacity: 0.75;
}

.quick-links a:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 4px;
  border-radius: 2px;
}

/* Article pages */
.article-page {
  background: var(--white);
}

.article-body {
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
}

.section--light > .container > .article-body {
  max-width: 100%;
}

.article-body > p {
  font-size: 18px;
  line-height: 1.6;
  color: var(--slate);
  margin-bottom: 24px;
}

@media (max-width: 767px) {
  .article-body > p { font-size: 16px; }
}

.article-body h2 {
  margin-top: 56px;
  margin-bottom: 20px;
  font-size: 28px;
  color: var(--navy);
}

.article-body h2:first-child {
  margin-top: 0;
}

@media (max-width: 767px) {
  .article-body h2 {
    margin-top: 40px;
    font-size: 22px;
  }
}

.article-body p strong {
  font-weight: 600;
  color: var(--navy);
}

.article-body h3 {
  margin-top: 32px;
  margin-bottom: 12px;
  font-size: 20px;
  color: var(--navy);
}

@media (max-width: 767px) {
  .article-body h3 { font-size: 18px; }
}

.article-body a {
  color: var(--primary);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: opacity 0.2s ease;
}

.article-body a:hover {
  opacity: 0.75;
}

.article-body a:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  border-radius: 2px;
}

.article-body ul {
  margin: 0 0 24px;
  padding-left: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.article-body li {
  font-size: 18px;
  line-height: 1.6;
  color: var(--slate);
  padding-left: 20px;
  position: relative;
}

.article-body li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--primary);
}

@media (max-width: 767px) {
  .article-body li { font-size: 16px; }
}

.article-callout {
  margin: 28px 0;
  padding: 20px 24px;
  background: var(--tint);
  border-radius: var(--radius-btn);
  border-left: 3px solid var(--primary);
}

.article-callout__label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--primary);
  margin-bottom: 8px;
}

.legal-placeholder {
  font-size: 14px;
  color: var(--slate);
  font-style: italic;
}

.article-callout p {
  font-size: 16px;
  line-height: 1.5;
  color: var(--slate);
  margin: 0;
}

.article-disclaimer {
  margin-top: 56px;
  padding-top: 28px;
  border-top: 1px solid var(--slate-15);
  font-size: 13px;
  line-height: 1.5;
  color: var(--slate);
  font-style: italic;
}

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