/* ==========================================================
   Stone Bridge Funding Group — stylesheet
   Palette: slate / granite / mortar / keystone brass / river
   Type: Bricolage Grotesque (display) + Public Sans (body)
   ========================================================== */

:root {
  --slate: #1B2530;
  --slate-deep: #121A22;
  --slate-soft: #2A3642;
  --granite: #ECEDE9;
  --granite-light: #F5F5F2;
  --mortar: #C9CDC6;
  --mortar-light: #DDE0DA;
  --brass: #D4A43A;
  --brass-deep: #A8811F;
  --river: #2F6F8F;
  --river-light: #6FA3B8;
  --ink: #101519;
  --ink-soft: #4B5561;
  --white: #FFFFFF;

  --font-display: "Bricolage Grotesque", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Public Sans", "Helvetica Neue", Arial, sans-serif;

  --wrap: 1180px;
  --gutter: clamp(20px, 4vw, 48px);
  --radius: 3px;
  --ease: cubic-bezier(.22,.8,.3,1);
}

*,*::before,*::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--granite);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--river); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--slate); }
ul { padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 3px; }

.skip { position: absolute; left: -999px; top: 8px; background: var(--brass); color: var(--ink); padding: 8px 14px; z-index: 100; }
.skip:focus { left: 8px; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }

/* ---------- Type ---------- */
h1,h2,h3,h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.05; letter-spacing: -.02em; margin: 0 0 .5em; color: var(--slate); }
h1 { font-size: clamp(2.4rem, 5.6vw, 4.4rem); font-weight: 800; letter-spacing: -.03em; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); letter-spacing: -.01em; }
h4 { font-size: 1.05rem; letter-spacing: 0; }
p { margin: 0 0 1em; }
.lede { font-size: clamp(1.1rem, 1.6vw, 1.3rem); line-height: 1.5; color: var(--ink-soft); max-width: 60ch; }
.measure { max-width: 64ch; }
.muted { color: var(--ink-soft); }
.small { font-size: .9rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-display); font-weight: 600; font-size: 1rem; letter-spacing: -.01em;
  padding: 13px 22px; border-radius: var(--radius); border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .18s var(--ease), background .18s, color .18s, border-color .18s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-lg { padding: 16px 28px; font-size: 1.08rem; }
.btn-brass { background: var(--brass); color: var(--ink); border-color: var(--brass); }
.btn-brass:hover { background: var(--brass-deep); border-color: var(--brass-deep); color: var(--white); }
.btn-slate { background: var(--slate); color: var(--granite); border-color: var(--slate); }
.btn-slate:hover { background: var(--slate-deep); color: var(--white); }
.btn-ghost { background: transparent; color: var(--slate); border-color: var(--slate); }
.btn-ghost:hover { background: var(--slate); color: var(--granite); }
.btn-ghost-light { background: transparent; color: var(--granite); border-color: rgba(236,237,233,.45); }
.btn-ghost-light:hover { border-color: var(--granite); color: var(--white); }
.btn-block { width: 100%; }

/* ---------- Brand ---------- */
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--slate); }
.brand .logo { height: 66px; width: auto; }
.brand .logo-footer { height: 92px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; letter-spacing: -.02em; }
.brand-sub { font-family: var(--font-display); font-weight: 500; font-size: .74rem; letter-spacing: .12em; color: var(--ink-soft); margin-top: 4px; }
.brand-light { color: var(--granite); }
.brand-light .brand-sub { color: var(--mortar); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(236,237,233,.92); backdrop-filter: saturate(140%) blur(10px); border-bottom: 1px solid var(--mortar-light); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 86px; gap: 24px; }
.primary-nav ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 4px; }
.primary-nav > ul > li > a { display: block; padding: 10px 12px; color: var(--slate); text-decoration: none; font-weight: 500; font-size: .98rem; border-bottom: 2px solid transparent; }
.primary-nav > ul > li.active > a, .primary-nav > ul > li > a:hover { border-bottom-color: var(--brass); }
.primary-nav .has-children { position: relative; }
.primary-nav .sub { position: absolute; top: 100%; left: 0; min-width: 250px; background: var(--white); border: 1px solid var(--mortar-light); border-top: 3px solid var(--brass); box-shadow: 0 18px 40px -20px rgba(16,21,25,.35); display: none; flex-direction: column; padding: 8px 0; gap: 0; }
.primary-nav .has-children:hover .sub, .primary-nav .has-children:focus-within .sub { display: flex; }
.primary-nav .sub a { display: block; padding: 10px 18px; color: var(--slate); text-decoration: none; font-size: .95rem; }
.primary-nav .sub a:hover, .primary-nav .sub a[aria-current] { background: var(--granite-light); color: var(--river); }
.nav-phone a { font-family: var(--font-display); font-weight: 600; color: var(--slate); text-decoration: none; padding: 10px 12px; }
.nav-cta { margin-left: 6px; }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; padding: 10px; cursor: pointer; flex-direction: column; justify-content: center; gap: 5px; }
.nav-toggle span { display: block; height: 2px; background: var(--slate); transition: transform .25s var(--ease), opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Stone course divider (recurring motif) ---------- */
.course {
  height: 14px;
  background:
    linear-gradient(90deg, var(--mortar) 1px, transparent 1px) 0 0 / 28px 7px,
    linear-gradient(90deg, var(--mortar) 1px, transparent 1px) 14px 7px / 28px 7px,
    linear-gradient(0deg, var(--mortar) 1px, transparent 1px) 0 0 / 28px 7px,
    var(--granite-light);
}
.course-dark {
  background:
    linear-gradient(90deg, rgba(236,237,233,.14) 1px, transparent 1px) 0 0 / 28px 7px,
    linear-gradient(90deg, rgba(236,237,233,.14) 1px, transparent 1px) 14px 7px / 28px 7px,
    linear-gradient(0deg, rgba(236,237,233,.14) 1px, transparent 1px) 0 0 / 28px 7px,
    var(--slate-deep);
}

/* ---------- Sections ---------- */
.section { padding: clamp(64px, 9vw, 120px) 0; }
.section-tight { padding: clamp(40px, 6vw, 72px) 0; }
.section-dark { background: var(--slate); color: var(--granite); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: var(--granite); }
.section-dark .lede, .section-dark .muted { color: var(--mortar); }
.section-dark a { color: var(--river-light); }
.section-dark a:hover { color: var(--white); }
.section-light { background: var(--granite-light); }
.section-head { max-width: 62ch; margin-bottom: clamp(32px, 5vw, 56px); }
.section-head p { color: var(--ink-soft); font-size: 1.1rem; }
.section-dark .section-head p { color: var(--mortar); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 96px); align-items: start; }
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(24px, 4vw, 48px); }

/* ---------- Hero (home) ---------- */
.hero { background: var(--slate); color: var(--granite); position: relative; overflow: hidden; }
.hero::before { /* faint stone texture */
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background:
    linear-gradient(90deg, rgba(236,237,233,.05) 1px, transparent 1px) 0 0 / 56px 28px,
    linear-gradient(90deg, rgba(236,237,233,.05) 1px, transparent 1px) 28px 28px / 56px 28px,
    linear-gradient(0deg, rgba(236,237,233,.05) 1px, transparent 1px) 0 0 / 56px 28px;
  mask-image: linear-gradient(180deg, transparent, #000 40%, #000 70%, transparent);
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 72px); align-items: center; padding: clamp(56px, 8vw, 110px) 0 0; }
.hero h1 { color: var(--white); max-width: 14ch; }
.hero .lede { color: var(--mortar); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 14px; }
.hero-fine { font-size: .88rem; color: rgba(236,237,233,.6); margin: 0; }
.hero-art { color: var(--granite); position: relative; }
/* hero mark */
.hero-mark { width: 100%; max-width: 560px; height: auto; margin: 0 auto 28px; filter: drop-shadow(0 24px 40px rgba(0,0,0,.35)); }
.hero-caption { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 8px; border-top: 1px solid rgba(236,237,233,.15); padding-top: 18px; }
.hero-caption div { font-size: .9rem; color: var(--mortar); }
.hero-caption strong { display: block; font-family: var(--font-display); font-size: 1.4rem; color: var(--white); letter-spacing: -.02em; line-height: 1.1; margin-bottom: 2px; }
.hero-waterline { height: 1px; background: linear-gradient(90deg, transparent, var(--river-light) 30%, var(--river-light) 70%, transparent); margin-top: clamp(40px, 6vw, 72px); opacity: .6; }

/* Page-load: one orchestrated reveal */
@keyframes rise { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
@keyframes settle { from { opacity: 0; transform: translateY(-22px) scale(.97); } to { opacity: 1; transform: none; } }
.hero-mark { opacity: 0; animation: settle 1s var(--ease) forwards .3s; }
.hero-caption { opacity: 0; animation: rise .7s var(--ease) forwards .9s; }
.hero-copy > * { opacity: 0; animation: rise .7s var(--ease) forwards; }
.hero-copy > :nth-child(1) { animation-delay: .05s; }
.hero-copy > :nth-child(2) { animation-delay: .15s; }
.hero-copy > :nth-child(3) { animation-delay: .25s; }
.hero-copy > :nth-child(4) { animation-delay: .35s; }
@media (prefers-reduced-motion: reduce) {
  .hero-mark, .hero-caption, .hero-copy > * { animation: none; opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Product ledger (home) ---------- */
.ledger { border-top: 2px solid var(--slate); }
.ledger-row { display: grid; grid-template-columns: 2.2fr 2fr 1.3fr 1fr auto; gap: 24px; align-items: center; padding: 26px 0; border-bottom: 1px solid var(--mortar); text-decoration: none; color: var(--ink); transition: background .15s; }
.ledger-row:hover { background: var(--white); }
.ledger-row:hover .ledger-name { color: var(--river); }
.ledger-row:hover .ledger-go { background: var(--brass); }
.ledger-name { font-family: var(--font-display); font-weight: 700; font-size: 1.35rem; letter-spacing: -.02em; color: var(--slate); }
.ledger-name small { display: block; font-family: var(--font-body); font-weight: 400; font-size: .92rem; color: var(--ink-soft); margin-top: 3px; letter-spacing: 0; }
.ledger-cell { font-size: .98rem; color: var(--ink-soft); }
.ledger-cell b { display: block; color: var(--ink); font-weight: 600; }
.ledger-go { width: 40px; height: 40px; border-radius: 50%; border: 1.5px solid var(--slate); display: grid; place-items: center; color: var(--slate); transition: background .15s; }
.ledger-go svg { width: 18px; height: 18px; }
.ledger-head { display: grid; grid-template-columns: 2.2fr 2fr 1.3fr 1fr auto; gap: 24px; padding: 0 0 10px; font-size: .85rem; color: var(--ink-soft); }

/* ---------- Calculator ---------- */
.calc { background: var(--white); border: 1px solid var(--mortar-light); border-top: 4px solid var(--brass); padding: clamp(24px, 4vw, 40px); }
.calc-readout { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 8px; }
.calc-readout .label { color: var(--ink-soft); font-size: .95rem; }
.calc-readout output { font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; letter-spacing: -.02em; }
input[type=range] { width: 100%; accent-color: var(--brass); height: 30px; margin: 4px 0 18px; }
.calc-result { border-top: 1px solid var(--mortar-light); padding-top: 22px; display: flex; justify-content: space-between; align-items: baseline; gap: 16px; flex-wrap: wrap; }
.calc-result .label { color: var(--ink-soft); }
.calc-result output { font-family: var(--font-display); font-weight: 800; font-size: clamp(1.7rem, 3vw, 2.3rem); color: var(--slate); letter-spacing: -.03em; }
.calc-fine { font-size: .85rem; color: var(--ink-soft); margin: 14px 0 0; }

/* ---------- Steps (a real sequence) ---------- */
.steps { list-style: none; padding: 0; margin: 0; counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid rgba(236,237,233,.2); }
.steps li { counter-increment: step; padding: 28px 28px 28px 0; border-right: 1px solid rgba(236,237,233,.15); position: relative; }
.steps li + li { padding-left: 28px; }
.steps li:last-child { border-right: 0; }
.steps li::before { content: counter(step); font-family: var(--font-display); font-weight: 800; font-size: 2.6rem; color: var(--brass); line-height: 1; display: block; margin-bottom: 14px; letter-spacing: -.04em; }
.steps h3 { color: var(--white); margin-bottom: .35em; }
.steps p { color: var(--mortar); margin: 0; font-size: .98rem; }
.steps-light { border-top-color: var(--slate); }
.steps-light li { border-right-color: var(--mortar); }
.steps-light h3 { color: var(--slate); }
.steps-light p { color: var(--ink-soft); }

/* ---------- Broker band ---------- */
.broker-points { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 18px; }
.broker-points li { padding-left: 22px; position: relative; }
.broker-points li::before { content: ""; position: absolute; left: 0; top: .55em; width: 10px; height: 10px; background: var(--brass); transform: rotate(45deg); }
.broker-points b { display: block; font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; letter-spacing: -.01em; }

/* ---------- Stat strip ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid var(--mortar); background: var(--white); }
.stats div { padding: 26px 24px; border-right: 1px solid var(--mortar-light); }
.stats div:last-child { border-right: 0; }
.stats strong { display: block; font-family: var(--font-display); font-weight: 800; font-size: clamp(1.8rem, 3vw, 2.4rem); color: var(--slate); letter-spacing: -.03em; line-height: 1; margin-bottom: 8px; }
.stats span { color: var(--ink-soft); font-size: .95rem; }

/* ---------- Product page ---------- */
.page-hero { background: var(--slate); color: var(--granite); padding: clamp(56px, 7vw, 96px) 0 clamp(40px, 5vw, 64px); }
.page-hero h1 { color: var(--white); max-width: 18ch; }
.page-hero .lede { color: var(--mortar); }
.crumbs { list-style: none; padding: 0; margin: 0 0 22px; display: flex; gap: 10px; font-size: .9rem; color: var(--mortar); }
.crumbs a { color: var(--mortar); text-decoration: none; }
.crumbs a:hover { color: var(--white); }
.crumbs li + li::before { content: "/"; margin-right: 10px; opacity: .5; }
.product-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(32px, 6vw, 80px); align-items: start; }
.glance { background: var(--white); border: 1px solid var(--mortar); border-top: 4px solid var(--brass); position: sticky; top: 106px; }
.glance h3 { padding: 20px 24px 0; margin: 0; }
.glance dl { margin: 0; padding: 12px 24px 8px; }
.glance-row { display: grid; grid-template-columns: 1fr 1.3fr; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--mortar-light); }
.glance-row:last-child { border-bottom: 0; }
.glance dt { color: var(--ink-soft); font-size: .92rem; }
.glance dd { margin: 0; font-weight: 600; font-size: .98rem; }
.glance-foot { padding: 16px 24px 24px; border-top: 1px solid var(--mortar-light); }
.fit { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin: 32px 0; }
.fit ul { list-style: none; padding: 0; margin: 0; }
.fit li { padding: 10px 0 10px 26px; border-bottom: 1px solid var(--mortar-light); position: relative; }
.fit li::before { content: ""; position: absolute; left: 0; top: 15px; width: 12px; height: 12px; }
.fit-good li::before { background: var(--brass); transform: rotate(45deg); }
.fit-poor li::before { border: 1.5px solid var(--mortar); transform: rotate(45deg); }
.docs { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px 24px; }
.docs li { padding: 12px 16px; background: var(--white); border-left: 3px solid var(--river); font-size: .98rem; }
.others { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.other-card { display: block; padding: 22px; background: var(--white); border: 1px solid var(--mortar-light); text-decoration: none; color: var(--ink); transition: border-color .15s; }
.other-card:hover { border-color: var(--slate); }
.other-card b { display: block; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; letter-spacing: -.01em; color: var(--slate); margin-bottom: 6px; }
.other-card span { color: var(--ink-soft); font-size: .93rem; }

/* ---------- Comparison table (funding index) ---------- */
.compare { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--mortar); font-size: .96rem; }
.compare th, .compare td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--mortar-light); vertical-align: top; }
.compare thead th { background: var(--slate); color: var(--granite); font-family: var(--font-display); font-weight: 600; font-size: 1rem; }
.compare thead th a { color: var(--white); text-decoration: none; }
.compare thead th a:hover { color: var(--brass); }
.compare tbody th { font-weight: 500; color: var(--ink-soft); width: 18%; background: var(--granite-light); }
.compare-wrap { overflow-x: auto; }

/* ---------- FAQ / accordion ---------- */
.faq-group { margin-bottom: 40px; }
.faq-group h2 { font-size: 1.5rem; padding-bottom: 12px; border-bottom: 2px solid var(--slate); }
details { border-bottom: 1px solid var(--mortar); }
summary { cursor: pointer; padding: 18px 40px 18px 0; font-family: var(--font-display); font-weight: 600; font-size: 1.12rem; letter-spacing: -.01em; list-style: none; position: relative; color: var(--slate); }
summary::-webkit-details-marker { display: none; }
summary::after { content: ""; position: absolute; right: 8px; top: 50%; width: 10px; height: 10px; border-right: 2px solid var(--brass); border-bottom: 2px solid var(--brass); transform: translateY(-70%) rotate(45deg); transition: transform .2s var(--ease); }
details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
details p { margin: 0 0 20px; color: var(--ink-soft); max-width: 68ch; }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--mortar); border-top: 4px solid var(--brass); padding: clamp(24px, 4vw, 40px); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 6px; color: var(--slate); }
input[type=text], input[type=email], input[type=tel], input[type=number], select, textarea {
  width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1.5px solid var(--mortar); border-radius: var(--radius); background: var(--granite-light); color: var(--ink);
  transition: border-color .15s, background .15s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--slate); background: var(--white); }
textarea { min-height: 130px; resize: vertical; }
.form-fine { font-size: .86rem; color: var(--ink-soft); margin-top: 14px; }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; }
.notice { background: var(--white); border-left: 4px solid var(--brass); padding: 24px 28px; }
.notice h2 { margin-bottom: .3em; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--slate); color: var(--granite); padding: clamp(48px, 7vw, 88px) 0; border-top: 4px solid var(--brass); }
.cta-inner { display: grid; grid-template-columns: 1.3fr 1fr; gap: 32px; align-items: center; }
.cta-band h2 { color: var(--white); margin-bottom: .3em; }
.cta-band p { color: var(--mortar); margin: 0; max-width: 52ch; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: flex-end; }

/* ---------- Footer ---------- */
.site-footer { background: var(--slate-deep); color: var(--mortar); }
.site-footer .course { height: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding: 56px 0 40px; }
.footer-grid h4 { color: var(--granite); margin-bottom: 14px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.footer-grid a { color: var(--mortar); text-decoration: none; font-size: .96rem; }
.footer-grid a:hover { color: var(--brass); }
.footer-brand p { margin-top: 18px; max-width: 34ch; font-size: .96rem; }
.footer-contact { line-height: 1.8; }
.footer-legal { border-top: 1px solid rgba(236,237,233,.12); padding: 24px 0 36px; font-size: .84rem; color: rgba(236,237,233,.55); }
.footer-legal p { max-width: 100ch; }

/* ---------- Prose (about / privacy) ---------- */
.prose { max-width: 68ch; }
.prose h2 { font-size: 1.6rem; margin-top: 1.8em; }
.prose h3 { margin-top: 1.4em; }
.prose p, .prose li { color: #2E3842; }
.pull { border-left: 4px solid var(--brass); padding: 6px 0 6px 22px; font-family: var(--font-display); font-weight: 600; font-size: 1.35rem; letter-spacing: -.01em; color: var(--slate); margin: 32px 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1040px) {
  .ledger-head { display: none; }
  .ledger-row { grid-template-columns: 1.5fr 1fr auto; }
  .ledger-row .hide-md { display: none; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps li:nth-child(2) { border-right: 0; }
  .steps li:nth-child(3) { padding-left: 0; border-top: 1px solid rgba(236,237,233,.15); }
  .steps li:nth-child(4) { border-top: 1px solid rgba(236,237,233,.15); }
  .steps-light li:nth-child(3), .steps-light li:nth-child(4) { border-top-color: var(--mortar); }
  .stats { grid-template-columns: 1fr 1fr; }
  .stats div:nth-child(2) { border-right: 0; }
  .stats div:nth-child(n+3) { border-top: 1px solid var(--mortar-light); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .others, .three-col { grid-template-columns: 1fr; }
  .product-grid { grid-template-columns: 1fr; }
  .glance { position: static; }
}
@media (max-width: 860px) {
  .nav-toggle { display: flex; }
  .primary-nav { position: absolute; top: 86px; left: 0; right: 0; background: var(--granite-light); border-bottom: 1px solid var(--mortar); display: none; max-height: calc(100vh - 86px); overflow-y: auto; }
  .primary-nav.open { display: block; }
  .primary-nav ul { flex-direction: column; align-items: stretch; padding: 10px var(--gutter) 24px; gap: 0; }
  .primary-nav > ul > li > a { padding: 14px 0; border-bottom: 1px solid var(--mortar-light); font-size: 1.05rem; }
  .primary-nav .sub { position: static; display: flex; border: 0; box-shadow: none; background: transparent; padding: 0 0 8px 16px; }
  .primary-nav .sub a { padding: 9px 0; }
  .nav-phone a { display: block; padding: 14px 0; }
  .nav-cta { margin: 12px 0 0; }
  .nav-cta .btn { width: 100%; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-art { max-width: 520px; }
  .two-col, .cta-inner, .fit, .form-grid, .docs { grid-template-columns: 1fr; }
  .cta-actions { justify-content: flex-start; }
  .ledger-row { grid-template-columns: 1fr auto; }
  .ledger-row .hide-sm { display: none; }
  .steps { grid-template-columns: 1fr; }
  .steps li { border-right: 0; padding-left: 0 !important; border-top: 1px solid rgba(236,237,233,.15); }
  .steps li:first-child { border-top: 0; }
  .steps-light li { border-top-color: var(--mortar); }
  .glance-row { grid-template-columns: 1fr; gap: 2px; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .brand .logo { height: 46px; }
  .stats { grid-template-columns: 1fr; }
  .stats div { border-right: 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-caption { grid-template-columns: 1fr 1fr; }
  .brand-sub { display: none; }
}

/* ---------- GHL survey embed (apply page) ---------- */
.embed-card { max-width: 900px; margin: 0 auto; padding: clamp(8px, 2vw, 20px); }
.embed-card iframe { min-height: 640px; display: block; }
.embed-card + .form-fine { max-width: 900px; margin: 14px auto 0; text-align: center; }