@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 600 700;
  font-display: swap;
  src: url("../fonts/fraunces-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 600 700;
  font-display: swap;
  src: url("../fonts/fraunces-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Instrument Sans";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("../fonts/instrument-sans-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: "Instrument Sans";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("../fonts/instrument-sans-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* shorttermloanscanada.ca — espresso and bronze, taken from the logo pack */

/* Fallback faces sized to the web fonts, measured in Chrome on the same string:
   Fraunces 600 / 700 vs Georgia Bold = 93.45% / 96.37%,
   Instrument Sans 400 vs Arial = 101.15%, 600 vs Arial Bold = 97.51%. */
@font-face {
  font-family: "Fraunces Fallback";
  font-weight: 600;
  src: local("Georgia Bold"), local("Georgia-Bold");
  size-adjust: 93.45%;
}
@font-face {
  font-family: "Fraunces Fallback";
  font-weight: 700;
  src: local("Georgia Bold"), local("Georgia-Bold");
  size-adjust: 96.37%;
}
@font-face {
  font-family: "Instrument Sans Fallback";
  font-weight: 400;
  src: local("Arial"), local("ArialMT");
  size-adjust: 101.15%;
}
@font-face {
  font-family: "Instrument Sans Fallback";
  font-weight: 600;
  src: local("Arial Bold"), local("Arial-BoldMT");
  size-adjust: 97.51%;
}

:root {
  --espresso: #1B120B;
  --espresso-2: #2B1D12;
  --espresso-3: #45301E;
  --parchment: #F3EADB;
  --linen: #FBF8F3;
  --white: #FFFFFF;
  --ink: #23180F;
  --prose: #3D3027;
  --quiet: #6B5B4D;
  --umber: #7A4A1F;
  --umber-deep: #5E3714;
  --bronze: #B7834F;
  --gold: #D6A56B;
  --gold-soft: #E7C79B;
  --on-dark: #F6EEE2;
  --on-dark-quiet: #CDBBA6;
  --rule: #E5D8C4;
  --rule-dark: rgba(231, 199, 155, 0.22);
  --field-line: #9C8670;
  --placeholder: #7D6D5F;
  --ok-wash: #EAF3E6;
  --ok-ink: #1F4A1B;
  --bad-wash: #F8E7E3;
  --bad-ink: #6B2412;

  --serif: "Fraunces", "Fraunces Fallback", Georgia, "Times New Roman", serif;
  --sans: "Instrument Sans", "Instrument Sans Fallback", Arial, sans-serif;

  --frame: 70rem;
  --side: clamp(1rem, 4vw, 2rem);
  --beat: clamp(2.5rem, 6vw, 4.5rem);
  --round: 14px;
  --round-sm: 8px;
  --bar: 4rem;
}

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

html {
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: calc(var(--bar) + 1.25rem);
}

@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--prose);
  background: var(--linen);
  text-rendering: optimizeLegibility;
}

img { display: block; max-width: 100%; height: auto; }

a {
  color: var(--umber);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}
a:hover { color: var(--umber-deep); text-decoration-thickness: 2px; }

:focus-visible { outline: 3px solid var(--umber); outline-offset: 2px; }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.18;
  text-wrap: balance;
}

strong { font-weight: 600; color: var(--ink); }

.frame {
  width: 100%;
  max-width: var(--frame);
  margin-inline: auto;
  padding-inline: var(--side);
}
.frame--narrow { max-width: 58rem; }

.skip {
  position: absolute;
  left: 1rem;
  top: -5rem;
  z-index: 100;
  padding: 0.65rem 1.1rem;
  border-radius: var(--round-sm);
  background: var(--gold);
  color: var(--espresso);
  font-weight: 600;
  text-decoration: none;
}
.skip:focus { top: 1rem; }

.hp {
  position: absolute !important;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ---------------------------------------------------------------- buttons */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  min-height: 2.9rem;
  padding: 0.7rem 1.35rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font: 600 1rem/1.2 var(--sans);
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.btn svg { flex: none; transition: transform 0.15s ease; }
.btn:hover svg { transform: translateX(3px); }
.btn:disabled { opacity: 0.55; cursor: not-allowed; }
.btn:disabled:hover svg { transform: none; }

.btn--gold {
  background: var(--gold);
  border-color: var(--bronze);
  color: var(--espresso);
  box-shadow: 0 10px 22px -14px rgba(27, 18, 11, 0.7);
}
.btn--gold:hover { background: var(--gold-soft); color: var(--espresso); text-decoration: none; }
.btn--gold:focus-visible { outline-color: var(--umber-deep); }

.btn--line {
  background: transparent;
  border-color: var(--umber);
  color: var(--umber-deep);
}
.btn--line:hover { background: var(--parchment); color: var(--umber-deep); text-decoration: none; }

.btn--lg { min-height: 3.35rem; padding-inline: 1.9rem; font-size: 1.0625rem; }

/* ----------------------------------------------------------------- top bar */

.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--espresso);
  border-bottom: 1px solid var(--rule-dark);
}

.topbar__row {
  position: relative;
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: var(--bar);
}

.brand { display: block; margin-right: auto; border-radius: 4px; }
.brand:hover { opacity: 0.9; }
.brand__mark { width: auto; height: 2.2rem; }
.brand__row { display: none; width: auto; height: 2.1rem; }

/* the apply button stays in the bar at every width, beside the burger on mobile */
.topbar__cta {
  margin-left: auto;
  padding: 0.55rem 1rem;
  font-size: 0.92rem;
}
.topbar__cta .glyph, .topbar__cta svg { display: none; }

@media (max-width: 22.5rem) {
  .brand__mark { height: 1.85rem; }
  .topbar__cta { padding: 0.5rem 0.8rem; font-size: 0.86rem; }
}

.burger {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  min-height: 2.6rem;
  padding: 0.45rem 0.95rem;
  border: 1px solid var(--rule-dark);
  border-radius: 999px;
  background: var(--espresso-2);
  color: var(--on-dark);
  font: 600 0.9375rem/1 var(--sans);
  cursor: pointer;
}
.burger:focus-visible { outline-color: var(--gold-soft); }

.burger__bars,
.burger__bars::before,
.burger__bars::after {
  display: block;
  width: 1.1rem;
  height: 2px;
  border-radius: 2px;
  background: var(--gold);
}
.burger__bars { position: relative; }
.burger__bars::before,
.burger__bars::after {
  content: "";
  position: absolute;
  left: 0;
  transition: transform 0.2s ease;
}
.burger__bars::before { top: -6px; }
.burger__bars::after { top: 6px; }
.burger[aria-expanded="true"] .burger__bars { background: transparent; }
.burger[aria-expanded="true"] .burger__bars::before { transform: translateY(6px) rotate(45deg); }
.burger[aria-expanded="true"] .burger__bars::after { transform: translateY(-6px) rotate(-45deg); }

.sitenav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  max-height: calc(100vh - var(--bar));
  overflow-y: auto;
  padding: 0.5rem var(--side) 1.25rem;
  background: var(--espresso-3);
  border-top: 1px solid var(--rule-dark);
  border-bottom: 2px solid var(--gold);
  box-shadow: 0 22px 40px -10px rgba(12, 7, 3, 0.55);
}
.sitenav.is-open { display: block; }

.sitenav__list { list-style: none; margin: 0; padding: 0; }
.sitenav__list > li { border-bottom: 1px solid var(--rule-dark); }

.sitenav__list a,
.sitenav__toggle,
.sitenav__contact {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 0.85rem 0.25rem;
  border: 0;
  background: none;
  color: var(--on-dark);
  font: 500 1.0625rem/1.3 var(--sans);
  text-align: left;
  text-decoration: none;
  cursor: pointer;
}
.sitenav__list a[aria-current="page"],
.sitenav__contact[aria-current="page"],
.sitenav__toggle.is-current { color: var(--gold-soft); }
.sitenav__list a:hover,
.sitenav__toggle:hover,
.sitenav__contact:hover { color: var(--gold-soft); text-decoration: none; }
.sitenav :focus-visible { outline-color: var(--gold-soft); }

.sitenav__caret {
  width: 0.5rem;
  height: 0.5rem;
  margin-left: 0.6rem;
  border-right: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: translateY(-2px) rotate(45deg);
  transition: transform 0.2s ease;
}
.sitenav__toggle[aria-expanded="true"] .sitenav__caret { transform: translateY(2px) rotate(-135deg); }

.sitenav__sub {
  list-style: none;
  margin: 0 0 0.75rem;
  padding: 0 0 0 0.9rem;
  border-left: 2px solid var(--bronze);
}
.sitenav__sub[hidden] { display: none; }
.sitenav__sub a { padding: 0.6rem 0.25rem; font-size: 1rem; color: var(--on-dark-quiet); }

.sitenav__extra {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 1.25rem;
  margin-top: 0.75rem;
}
.sitenav__extra .sitenav__contact { width: auto; }

/* The bar opens the full menu at 60rem (960px), later than the page layout
   (52rem): with Areas We Serve the menu needs the extra width. */
@media (min-width: 60rem) {
  .burger { display: none; }
  .brand { margin-right: 0; }
  .brand__mark { display: none; }
  .brand__row { display: block; height: 2.3rem; }
  .topbar__cta { order: 3; margin-left: 0.75rem; padding: 0.6rem 1.15rem; font-size: 1rem; }
  .topbar__cta svg { display: inline; }

  .sitenav {
    order: 2;
    position: static;
    display: flex;
    flex: 1;
    align-items: center;
    justify-content: flex-end;
    gap: 1.25rem;
    max-height: none;
    overflow: visible;
    padding: 0;
    background: none;
    border: 0;
    box-shadow: none;
  }
  .sitenav__list { display: flex; align-items: center; gap: 0.25rem; }
  .sitenav__list > li { position: relative; border: 0; }
  .sitenav__list > li > a,
  .sitenav__toggle,
  .sitenav__extra .sitenav__contact {
    width: auto;
    padding: 0.5rem 0.85rem;
    border-radius: 999px;
    font-size: 1rem;
  }
  .sitenav__list > li > a:hover,
  .sitenav__toggle:hover,
  .sitenav__extra .sitenav__contact:hover { background: var(--espresso-2); }

  .sitenav__sub {
    position: absolute;
    top: calc(100% + 0.65rem);
    left: 0;
    min-width: 17.5rem;
    margin: 0;
    padding: 0.45rem;
    background: var(--espresso-3);
    border: 1px solid var(--rule-dark);
    border-top: 2px solid var(--gold);
    border-radius: var(--round-sm);
    box-shadow: 0 24px 44px -12px rgba(12, 7, 3, 0.6);
  }
  .sitenav__sub a { display: block; padding: 0.6rem 0.8rem; border-radius: 6px; }
  .sitenav__sub a:hover { background: var(--espresso-2); }

  .sitenav__extra { flex-wrap: nowrap; margin: 0; gap: 0.5rem; }
}

/* ------------------------------------------------------------- breadcrumbs */

.trail { background: var(--parchment); }

.crumbs ol {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.2rem 0.5rem;
  margin: 0;
  padding: 0.85rem 0 0;
  list-style: none;
  font-size: 0.875rem;
  color: var(--quiet);
}
.crumbs li + li::before { content: "/"; margin-right: 0.5rem; color: var(--bronze); }

/* ------------------------------------------------------------------ intro */

.intro {
  padding-block: clamp(2.25rem, 4vw, 3.25rem) var(--beat);
  background:
    radial-gradient(60rem 22rem at 85% -10%, rgba(214, 165, 107, 0.22), transparent 70%),
    var(--parchment);
  border-bottom: 1px solid var(--rule);
}

.intro h1 {
  margin: 0 0 1.75rem;
  font-size: clamp(2rem, 1.3rem + 2.8vw, 3.35rem);
  font-weight: 700;
  letter-spacing: -0.012em;
  text-align: center;
}

.intro__grid { display: grid; gap: 2rem; }

.intro__lede { margin: 0; font-size: 1.125rem; line-height: 1.7; color: var(--prose); }
.intro__lede + .intro__lede { margin-top: 0.9rem; }

.intro__act { margin: 2.2rem 0 0.25rem; text-align: center; }

.keyfacts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.45rem;
  margin: 0;
  padding: 0.45rem;
  background: var(--espresso);
  border-radius: calc(var(--round) + 2px);
  box-shadow: 0 26px 44px -30px rgba(27, 18, 11, 0.9);
}

.keyfacts__item {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  padding: 0.95rem 1rem;
  background: var(--espresso-2);
  border-radius: 10px;
}
.keyfacts__item dd {
  order: -1;
  margin: 0;
  font: 700 clamp(1.15rem, 0.95rem + 0.7vw, 1.55rem)/1.15 var(--serif);
  color: var(--gold);
}
.keyfacts__item dt { font-size: 0.875rem; line-height: 1.35; color: var(--on-dark-quiet); }

@media (min-width: 52rem) {
  .intro { padding-top: 3rem; }
  .intro__grid {
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
    align-items: center;
    gap: 2.75rem;
  }
}

/* eyebrow, and the row of claims that opens up the first screen */

.intro__eyebrow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.7rem;
  margin: 0 0 1.1rem;
  font: 600 0.8rem/1.3 var(--sans);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--umber);
}

.intro__eyebrow::before,
.intro__eyebrow::after {
  content: "";
  width: clamp(1.25rem, 6vw, 3rem);
  height: 1px;
  background: var(--gold);
}

.perks {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem 1.5rem;
  margin: 2.4rem 0 0;
  padding-top: 2rem;
  border-top: 1px solid var(--rule);
  list-style: none;
}

.perks__item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font: 600 0.95rem/1.35 var(--sans);
  color: var(--ink);
}

.perks__item .glyph {
  flex: none;
  width: 22px;
  height: 22px;
  color: var(--umber);
}

@media (min-width: 52rem) {
  .perks {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1.5rem;
  }

  .perks__item {
    flex-direction: column;
    gap: 0.65rem;
    text-align: center;
  }

  .perks__item .glyph {
    width: 26px;
    height: 26px;
  }
}

.intro--legal { padding-bottom: 2.5rem; }
.intro--legal .intro__lede { margin-top: 0; }

/* ----------------------------------------------------- contents + article */

.spread { padding-block: var(--beat); }

.copy { min-width: 0; }

.chapter { display: flow-root; }
.chapter + .chapter,
.estimator + .chapter {
  margin-top: 2.75rem;
  padding-top: 2.25rem;
  border-top: 1px solid var(--rule);
}

.copy h2 { margin: 0 0 1rem; font-size: clamp(1.55rem, 1.2rem + 1.3vw, 2.15rem); }
.copy h3 {
  margin: 1.85rem 0 0.6rem;
  font-size: clamp(1.2rem, 1.05rem + 0.5vw, 1.42rem);
  color: var(--umber-deep);
}
.copy h2 + h3 { margin-top: 1.25rem; }

.copy p { margin: 0 0 1rem; }

.copy ul { margin: 0 0 1.25rem; padding-left: 1.3rem; }
.copy ul li { margin-bottom: 0.55rem; padding-left: 0.3rem; }
.copy ul li::marker { color: var(--bronze); }

.copy ol {
  margin: 0 0 1.25rem;
  padding: 0;
  list-style: none;
  counter-reset: step;
}
.copy ol li {
  position: relative;
  margin-bottom: 0.6rem;
  padding: 0.8rem 1rem 0.8rem 3.65rem;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--round-sm);
  counter-increment: step;
}
.copy ol li::before {
  content: counter(step);
  position: absolute;
  top: 0.72rem;
  left: 0.85rem;
  display: grid;
  place-items: center;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--espresso);
  color: var(--gold);
  font: 700 1rem/1 var(--serif);
}

.nextstep { margin: 1.5rem 0 0; text-align: center; }

.pic { margin: 0.35rem 0 1.25rem; }
.pic img {
  width: 100%;
  border-radius: var(--round);
  box-shadow: 0 18px 34px -24px rgba(35, 24, 15, 0.55);
}

@media (min-width: 46rem) {
  .pic { width: min(44%, 22rem); }
  .pic--right { float: right; margin-left: 1.75rem; }
  .pic--left { float: left; margin-right: 1.75rem; }
}

.sheet {
  clear: both;
  margin: 1.25rem 0 1.5rem;
  overflow-x: auto;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--round-sm);
}
.sheet table { width: 100%; border-collapse: collapse; font-size: 0.95rem; line-height: 1.5; }
.sheet--wide table { min-width: 36rem; }
.sheet th,
.sheet td {
  padding: 0.7rem 0.9rem;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--rule);
}
.sheet thead th {
  background: var(--espresso);
  color: var(--on-dark);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.sheet tbody th { font-weight: 600; color: var(--ink); }
.sheet tbody tr:nth-child(even) > * { background: var(--linen); }
.sheet tbody tr:last-child > * { border-bottom: 0; }

/* ------------------------------------------------------------- estimator */

.estimator {
  clear: both;
  margin-top: 2.75rem;
  padding: clamp(1.25rem, 3vw, 2rem);
  background: var(--espresso);
  border: 1px solid var(--espresso-3);
  border-radius: calc(var(--round) + 4px);
  color: var(--on-dark);
}

.estimator .estimator__title {
  margin: 0 0 1.35rem;
  font: 700 clamp(1.35rem, 1.1rem + 0.9vw, 1.8rem)/1.2 var(--serif);
  color: var(--on-dark);
}

.estimator__body { display: grid; gap: 1.5rem; }

@media (min-width: 46rem) {
  .estimator__body { grid-template-columns: minmax(0, 1.45fr) minmax(0, 1fr); align-items: start; }
}

.dial + .terms,
.terms + .dial,
.terms + .estimator__rate { margin-top: 1.35rem; }

.dial__head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.55rem;
}
.dial__head label,
.terms legend { font-size: 0.95rem; font-weight: 600; color: var(--on-dark-quiet); }
.dial__head output {
  font: 700 1.4rem/1 var(--serif);
  color: var(--gold);
  font-variant-numeric: tabular-nums;
}

.dial input[type="range"] {
  display: block;
  width: 100%;
  height: 0.5rem;
  margin: 0.6rem 0;
  border-radius: 999px;
  background: var(--espresso-3);
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
}
.dial input[type="range"]::-webkit-slider-thumb {
  width: 1.55rem;
  height: 1.55rem;
  border: 3px solid var(--espresso);
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 1px var(--gold);
  -webkit-appearance: none;
  appearance: none;
}
.dial input[type="range"]::-moz-range-thumb {
  width: 1.2rem;
  height: 1.2rem;
  border: 3px solid var(--espresso);
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 1px var(--gold);
}
.dial input[type="range"]:focus-visible { outline: 3px solid var(--gold-soft); outline-offset: 5px; }

.dial__ends {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  color: var(--on-dark-quiet);
}

.terms { min-width: 0; margin: 0; padding: 0; border: 0; }
.terms legend { margin-bottom: 0.55rem; padding: 0; }
.terms__set {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(6.25rem, 1fr));
  gap: 0.4rem;
}
.terms__opt { position: relative; display: block; }
.terms__opt input {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  opacity: 0;
  cursor: pointer;
}
.terms__opt span {
  display: block;
  padding: 0.55rem 0.4rem;
  border: 1px solid var(--rule-dark);
  border-radius: 999px;
  color: var(--on-dark);
  font-size: 0.9rem;
  font-weight: 500;
  text-align: center;
  transition: background-color 0.15s ease, border-color 0.15s ease;
}
.terms__opt:hover span { border-color: var(--gold); }
.terms__opt input:checked + span {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--espresso);
  font-weight: 600;
}
.terms__opt input:focus-visible + span { outline: 3px solid var(--gold-soft); outline-offset: 2px; }

.estimator .estimator__rate { margin-bottom: 0; font-size: 0.95rem; color: var(--on-dark-quiet); }
.estimator__rate strong { color: var(--gold); }

.estimator__result {
  display: grid;
  gap: 0.9rem;
  margin: 0;
  padding: 1.15rem 1.25rem;
  background: var(--espresso-2);
  border: 1px solid var(--rule-dark);
  border-radius: var(--round);
}
.estimator__result div {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px dashed var(--rule-dark);
}
.estimator__result div:last-child { padding-bottom: 0; border-bottom: 0; }
.estimator__result dt { font-size: 0.95rem; color: var(--on-dark-quiet); }
.estimator__result dd {
  margin: 0;
  font: 700 1.2rem/1.1 var(--serif);
  color: var(--on-dark);
  font-variant-numeric: tabular-nums;
}
.estimator__result .is-key dd { font-size: 1.65rem; color: var(--gold); }

.estimator .estimator__act { margin: 1.5rem 0 0; text-align: center; }
.estimator .estimator__note { margin: 1rem 0 0; font-size: 0.8125rem; line-height: 1.55; color: var(--on-dark-quiet); }

/* --------------------------------------------------------------- reviews */

.praise {
  clear: both;
  margin-top: 2.75rem;
  padding: clamp(1.25rem, 3vw, 2rem);
  background: var(--parchment);
  border-radius: calc(var(--round) + 4px);
}
.praise + .estimator { margin-top: 1.5rem; }

.praise__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.1rem;
}
.praise .praise__title {
  margin: 0;
  font: 700 clamp(1.35rem, 1.1rem + 0.9vw, 1.8rem)/1.2 var(--serif);
  color: var(--ink);
}
.praise__nav { display: flex; flex: none; gap: 0.5rem; }
.praise__arrow {
  display: grid;
  place-items: center;
  width: 2.75rem;
  height: 2.75rem;
  border: 1px solid var(--bronze);
  border-radius: 50%;
  background: var(--white);
  color: var(--umber-deep);
  cursor: pointer;
  transition: background-color 0.15s ease;
}
.praise__arrow:hover { background: var(--gold); border-color: var(--gold); color: var(--espresso); }
.praise__arrow:disabled { opacity: 0.4; cursor: default; }
.praise__arrow:disabled:hover { background: var(--white); border-color: var(--bronze); color: var(--umber-deep); }

/* .praise prefix: the track is a <ul> inside .copy, whose list rules would win otherwise */
.praise .praise__track {
  display: flex;
  gap: 1rem;
  margin: 0;
  padding: 0.25rem 0.1rem 0.5rem;
  list-style: none;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  scrollbar-width: none;
}
.praise__track::-webkit-scrollbar { display: none; }

.praise .praise__card {
  display: flex;
  flex: 0 0 86%;
  flex-direction: column;
  gap: 0.75rem;
  margin: 0;
  padding: 1.25rem 1.3rem;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--round);
  scroll-snap-align: start;
}
@media (min-width: 40rem) { .praise .praise__card { flex-basis: calc((100% - 1rem) / 2); } }
@media (min-width: 64rem) { .praise .praise__card { flex-basis: calc((100% - 2rem) / 3); } }

.praise .praise__stars { margin: 0; font-size: 1.05rem; letter-spacing: 0.12em; color: var(--bronze); }
.praise__quote { flex: 1; margin: 0; }
.praise__quote::before {
  content: "\201C";
  display: block;
  height: 1.2rem;
  font: 700 2.6rem/1 var(--serif);
  color: var(--gold);
}
.praise .praise__quote p { margin: 0; font-size: 1rem; line-height: 1.6; color: var(--prose); }
.praise .praise__who {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  margin: 0;
  padding-top: 0.8rem;
  border-top: 1px dashed var(--rule);
}
.praise__avatar {
  display: grid;
  flex: none;
  place-items: center;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  background: var(--espresso);
  color: var(--gold);
  font: 700 0.85rem/1 var(--sans);
  letter-spacing: 0.04em;
}
.praise__name { display: flex; flex-direction: column; font-size: 0.95rem; font-weight: 600; line-height: 1.3; color: var(--ink); }
.praise__city { font-size: 0.85rem; font-weight: 400; color: var(--quiet); }

.praise__dots { display: flex; justify-content: center; gap: 0.15rem; margin-top: 0.6rem; }
.praise__dots button {
  display: grid;
  place-items: center;
  width: 1.75rem;
  height: 1.75rem;
  padding: 0;
  border: 0;
  background: none;
  cursor: pointer;
}
.praise__dots button::before {
  content: "";
  width: 0.55rem;
  height: 0.55rem;
  border-radius: 999px;
  background: var(--field-line);
  transition: width 0.2s ease;
}
.praise__dots button[aria-current="true"]::before { width: 1.4rem; background: var(--umber); }

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

/* ------------------------------------------------------------------- FAQ */

.qa { display: grid; gap: 0.6rem; clear: both; margin-top: 1.1rem; }

.qa__item {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--round-sm);
  transition: border-color 0.15s ease;
}
.qa__item[open] { border-color: var(--bronze); }

.qa__item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.1rem;
  list-style: none;
  cursor: pointer;
  font: 600 1.0625rem/1.4 var(--sans);
  color: var(--ink);
}
.qa__item summary::-webkit-details-marker { display: none; }
.qa__item summary:hover .qa__q { color: var(--umber-deep); }

.qa__sign {
  position: relative;
  flex: none;
  width: 1.8rem;
  height: 1.8rem;
  border-radius: 50%;
  background: var(--parchment);
}
.qa__sign::before,
.qa__sign::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0.72rem;
  height: 2px;
  background: var(--umber);
  transform: translate(-50%, -50%);
  transition: transform 0.2s ease;
}
.qa__sign::after { transform: translate(-50%, -50%) rotate(90deg); }
.qa__item[open] .qa__sign::after { transform: translate(-50%, -50%) rotate(0deg); }

.qa__a { padding: 0 1.1rem 1rem; }
.qa__a p:last-child { margin-bottom: 0; }

/* ------------------------------------------------------ contact and forms */

.desk {
  display: grid;
  gap: 1.75rem;
  padding-block: 2.5rem var(--beat);
}

@media (min-width: 56rem) {
  .desk { grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr); align-items: start; }
}

.reach { display: grid; gap: 1rem; }
.reach__list { display: grid; gap: 0.6rem; margin: 0; }
.reach__item {
  padding: 1rem 1.1rem;
  background: var(--white);
  border: 1px solid var(--rule);
  border-left: 4px solid var(--gold);
  border-radius: var(--round-sm);
}
.reach__item dt {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.3rem;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--quiet);
}
.reach__item dt .glyph { flex: none; color: var(--umber); }
.reach__item dd { margin: 0; font-size: 1.0625rem; line-height: 1.5; color: var(--ink); }
.reach__map {
  overflow: hidden;
  background: var(--parchment);
  border: 1px solid var(--rule);
  border-radius: var(--round);
}
.reach__map iframe { display: block; width: 100%; height: 20rem; border: 0; }

.applyform {
  padding: clamp(1.25rem, 3.5vw, 2.25rem);
  background: var(--white);
  border: 1px solid var(--rule);
  border-top: 4px solid var(--gold);
  border-radius: calc(var(--round) + 2px);
  box-shadow: 0 30px 50px -40px rgba(35, 24, 15, 0.55);
}

.applyform__title { margin: 0 0 0.4rem; font-size: clamp(1.4rem, 1.2rem + 0.8vw, 1.85rem); }
.applyform__status { margin: 0 0 1.25rem; color: var(--quiet); }
.applyform__status:empty { display: none; }

.applyform__fields { min-width: 0; margin: 0; padding: 0; border: 0; }
.applyform__fields > button[type="submit"] { display: flex; margin-inline: auto; }

.applyform__grid { display: grid; gap: 1rem 1.25rem; }
@media (min-width: 40rem) {
  .applyform__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

.entry label { display: block; margin-bottom: 0.35rem; font-size: 0.95rem; font-weight: 600; color: var(--ink); }
.entry input {
  width: 100%;
  padding: 0.75rem 0.9rem;
  border: 1px solid var(--field-line);
  border-radius: var(--round-sm);
  background: var(--linen);
  color: var(--ink);
  font: 400 1rem/1.4 var(--sans);
}
.entry input::placeholder { color: var(--placeholder); opacity: 1; }
.entry input:focus { border-color: var(--umber); outline: 3px solid var(--umber); outline-offset: 1px; }
.entry input[aria-invalid="true"] { border-color: var(--bad-ink); }

.tick {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  margin: 1.35rem 0;
  font-size: 0.95rem;
  line-height: 1.5;
}
.tick input { flex-shrink: 0; width: 1.2rem; height: 1.2rem; margin: 0.15rem 0 0; accent-color: var(--umber); }

.notice {
  margin: 0 0 1.25rem;
  padding: 0.9rem 1rem;
  border-left: 4px solid;
  border-radius: var(--round-sm);
}
.notice--success { background: var(--ok-wash); border-color: var(--ok-ink); color: var(--ok-ink); }
.notice--error { background: var(--bad-wash); border-color: var(--bad-ink); color: var(--bad-ink); }

/* ------------------------------------------------------------ apply dialog */

.applydialog {
  width: min(42rem, calc(100vw - 2rem));
  max-width: none;
  max-height: calc(100vh - 2rem);
  max-height: calc(100dvh - 2rem);
  margin: auto;
  padding: 0;
  border: 0;
  background: transparent;
  overflow: visible;
}
.applydialog::backdrop { background: rgba(20, 13, 8, 0.72); }

.applydialog__box {
  position: relative;
  max-height: calc(100vh - 2rem);
  max-height: calc(100dvh - 2rem);
  overflow-y: auto;
  border-radius: calc(var(--round) + 2px);
}
.applydialog .applyform { box-shadow: 0 30px 60px -20px rgba(12, 7, 3, 0.6); }
.applydialog .applyform__title { padding-right: 3rem; }

.applydialog__close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 2.5rem;
  height: 2.5rem;
  border: 1px solid var(--rule);
  border-radius: 50%;
  background: var(--linen);
  color: var(--ink);
  cursor: pointer;
}
.applydialog__close:hover { background: var(--parchment); }

html:has(.applydialog[open]) { overflow: hidden; }

/* ---------------------------------------------------------- 404, received */

.lost { padding-block: var(--beat) calc(var(--beat) * 1.4); text-align: center; }
.lost__code { margin: 0; font: 700 clamp(4rem, 2.8rem + 5vw, 7rem)/1 var(--serif); color: var(--umber); }
.lost h1 { margin: 0.5rem 0 1rem; font-size: clamp(1.9rem, 1.4rem + 2vw, 2.8rem); }
.lost__lede { margin: 0 0 1.75rem; font-size: 1.125rem; }
.lost .notice { text-align: left; }
.lost__acts { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.75rem; margin: 0; }

/* ----------------------------------------------------------------- footer */

.basefoot {
  padding-block: 3rem 1.75rem;
  background: var(--espresso);
  color: var(--on-dark-quiet);
  font-size: 0.95rem;
}

.basefoot__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 2rem 1.5rem; }
.basefoot__about { grid-column: 1 / -1; }
.basefoot__about p { margin: 1rem 0 0; }
.brand--foot { display: inline-block; }
.brand__stack { width: 12rem; height: auto; }

.basefoot__label {
  margin: 0 0 0.8rem;
  font: 600 0.75rem/1.2 var(--sans);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}
.basefoot ul { display: grid; gap: 0.55rem; margin: 0; padding: 0; list-style: none; }
.basefoot a { color: var(--on-dark); text-decoration: none; }
.basefoot a:hover { color: var(--gold-soft); text-decoration: underline; }
.basefoot a[aria-current="page"] { color: var(--gold-soft); }

.basefoot__col--reach { grid-column: 1 / -1; }
/* Loans and Areas We Serve share one footer column */
.basefoot__stack { display: grid; gap: 2rem; align-content: start; }
.basefoot__reach li { display: flex; align-items: flex-start; gap: 0.55rem; }
.basefoot__reach .glyph { flex: none; margin-top: 0.15rem; color: var(--gold); }
.basefoot__reach .basefoot__more { padding-left: calc(18px + 0.55rem); }
.basefoot :focus-visible { outline-color: var(--gold-soft); }

.basefoot__fine {
  display: grid;
  gap: 0.75rem;
  margin-top: 2.5rem;
  padding-top: 1.35rem;
  border-top: 1px solid var(--rule-dark);
  font-size: 0.8125rem;
  line-height: 1.55;
}
.basefoot__fine p { margin: 0; }

@media (min-width: 46rem) {
  .basefoot__grid {
    grid-template-columns: minmax(0, 1.5fr) minmax(0, 1.1fr) minmax(0, 0.8fr) minmax(0, 1.3fr);
    gap: 2.5rem;
  }
  .basefoot__about,
  .basefoot__col--reach { grid-column: auto; }
}

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

@media print {
  .topbar, .estimator, .basefoot, .nextstep, .intro__act { display: none; }
}

/* Leave a review modal */
.review-cta { display: flex; justify-content: center; width: 100%; margin: 1.15rem 0 0; }
.applydialog.review-dialog {
  max-height: calc(100dvh - 2rem);
  overflow: hidden;
}
.applydialog.review-dialog .applydialog__box {
  background: var(--linen);
  padding: clamp(1.1rem, 3vw, 1.6rem);
  max-height: calc(100dvh - 2rem);
  overflow-y: auto;
}
.review-form__foot {
  position: sticky;
  bottom: 0;
  background: var(--linen);
  padding-top: 0.35rem;
}
.review-dialog { max-height: calc(100dvh - 1.5rem); }
.review-dialog .review-form { display: grid; gap: 0.85rem; }
.review-form__title {
  margin: 0;
  padding-right: 2.6rem;
  font: 700 1.35rem/1.2 var(--serif);
  color: var(--ink);
}
.review-form__grid { display: grid; gap: 0.85rem; }
@media (min-width: 640px) {
  .review-form__grid { grid-template-columns: 1fr 1fr; }
}
.review-form__field label,
.review-rate__legend {
  display: block;
  margin: 0 0 0.35rem;
  font-weight: 600;
}
.review-form input[type="text"],
.review-form input[type="email"],
.review-form textarea {
  width: 100%;
  padding: 0.7rem 0.8rem;
  border: 1px solid var(--rule);
  border-radius: 0.6rem;
  background: var(--linen);
  color: var(--ink);
  font: inherit;
}
.review-rate { margin: 0; padding: 0; border: 0; min-width: 0; }
.review-rate__row { display: flex; flex-direction: row-reverse; justify-content: flex-end; gap: 0.1rem; }
.review-rate__input {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}
.review-rate__star {
  font-size: 1.75rem;
  line-height: 1;
  color: #c5c1b8;
  cursor: pointer;
}
.review-rate__star:hover,
.review-rate__star:hover ~ .review-rate__star,
.review-rate__input:checked ~ .review-rate__star,
.review-rate__input:focus-visible + .review-rate__star { color: #e0a106; }
.review-rate.is-missing .review-rate__legend { color: #9b2c2c; }
.review-form__status { margin: 0; }
.review-form__status:empty { display: none; }
.review-form .hp-field {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  clip: rect(0 0 0 0) !important;
}
.review-form [data-review-submit]:disabled { opacity: 0.55; }