/* =============================================================
   Red Fox Funding — Public site styles
   Aesthetic: Editorial real-estate magazine. Dark + warm cream,
   rust-red brand, gold accents, Fraunces display + DM Sans body.
   ============================================================= */

/* ─── TOKENS ────────────────────────────────────────────────── */
:root {
  /* Color */
  --ink:      #0E0E0C;
  --graphite: #1F1F1D;
  --slate:    #2E2D2A;
  --paper:    #F4EFE6;
  --paper-warm: #F8F5F0;
  --sand:     #E8E1D3;
  --sand-2:   #DDD4C2;
  --rust:     #A52A1F;
  --rust-deep:#8C2017;
  --rust-glow:#C2392B;
  --gold:     #C9A042;
  --gold-deep:#9C7A2C;
  --mute:     #6B665C;
  --mute-2:   #968F82;

  /* Type */
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:    'DM Sans', system-ui, -apple-system, Segoe UI, sans-serif;

  /* Layout */
  --container:   1240px;
  --container-narrow: 820px;
  --container-form:   720px;
  --gutter:      clamp(20px, 4vw, 48px);
  --section-y:   clamp(80px, 9vw, 140px);

  /* Motion */
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ─── RESET / BASE ──────────────────────────────────────────── */
*, *::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: 1.65;
  color: var(--ink);
  background: var(--paper);
  font-feature-settings: 'ss01', 'ss03';
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }

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

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

/* ─── TYPOGRAPHY ────────────────────────────────────────────── */
.display-1 {
  font-family: var(--font-display);
  font-weight: 380;
  font-size: clamp(40px, 6.4vw, 84px);
  line-height: 1.02;
  letter-spacing: -0.025em;
  margin: 0 0 24px;
  font-variation-settings: "SOFT" 60, "opsz" 144;
}
.display-2 {
  font-family: var(--font-display);
  font-weight: 380;
  font-size: clamp(30px, 4vw, 52px);
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
  font-variation-settings: "SOFT" 50, "opsz" 96;
}
.display-3 {
  font-family: var(--font-display);
  font-weight: 380;
  font-size: clamp(26px, 3vw, 38px);
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin: 0 0 16px;
}
.display-1.light, .display-2.light { color: var(--paper); }

.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--rust);
  margin: 0 0 18px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.eyebrow::before {
  content: '';
  width: 28px; height: 1px;
  background: var(--rust);
  display: inline-block;
}
.eyebrow-light { color: var(--gold); }
.eyebrow-light::before { background: var(--gold); }

.prose {
  font-size: 18px;
  line-height: 1.75;
  margin: 0 0 22px;
  color: var(--graphite);
  max-width: 64ch;
}

.section-head { margin-bottom: 56px; max-width: 800px; }
.section-head-center { margin-left: auto; margin-right: auto; text-align: center; }
.section-sub { font-size: 18px; color: var(--mute); max-width: 56ch; margin: 0 auto; }

/* ─── BUTTONS ───────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 26px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: 999px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
  white-space: nowrap;
}
.btn-lg { padding: 18px 32px; font-size: 14px; }
.btn-primary {
  background: var(--rust);
  color: var(--paper);
  border-color: var(--rust);
}
.btn-primary:hover { background: var(--rust-deep); border-color: var(--rust-deep); transform: translateY(-1px); }
.btn-dark {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}
.btn-dark:hover { background: var(--graphite); }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: rgba(14, 14, 12, 0.2);
}
.btn-ghost:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.btn-ghost-light {
  background: transparent;
  color: var(--paper);
  border-color: rgba(244, 239, 230, 0.3);
}
.btn-ghost-light:hover { background: var(--paper); color: var(--ink); }
.btn-block { display: flex; justify-content: center; width: 100%; margin-top: 24px; }

.btn-arrow {
  display: inline-block;
  font-size: 18px;
  transition: transform 0.25s var(--ease);
}
.btn:hover .btn-arrow { transform: translateX(4px); }

/* ─── HEADER ────────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--sand);
  transition: background 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.site-header.is-scrolled {
  background: rgba(244, 239, 230, 0.96);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 rgba(14,14,12,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  padding-bottom: 18px;
  gap: 32px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--ink);
}
.brand-mark {
  width: 36px;
  height: 36px;
  color: var(--rust);
}
.brand-mark-img {
  width: 44px;
  height: 44px;
  display: block;
  object-fit: contain;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
  font-family: var(--font-display);
  font-weight: 420;
  font-size: 20px;
  letter-spacing: -0.01em;
}
.brand-line-1 { color: var(--ink); }
.brand-line-2 {
  color: var(--rust);
  font-style: italic;
  font-variation-settings: "SOFT" 100;
}
.primary-nav {
  display: flex;
  align-items: center;
  gap: 32px;
  margin-left: auto;
}
.primary-nav a {
  text-decoration: none;
  color: var(--graphite);
  font-size: 15px;
  font-weight: 500;
  position: relative;
  padding: 4px 0;
  transition: color 0.2s var(--ease);
}
.primary-nav a::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 0; height: 1px;
  background: var(--rust);
  transition: width 0.3s var(--ease);
}
.primary-nav a:hover { color: var(--rust); }
.primary-nav a:hover::after,
.primary-nav a.is-active::after { width: 100%; }
.primary-nav a.is-active { color: var(--rust); }
.phone-link {
  font-feature-settings: 'tnum';
  letter-spacing: 0.02em;
}
.nav-cta { margin-left: 0; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  border: 0;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--ink);
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease);
}
.is-nav-open .nav-toggle span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.is-nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
.is-nav-open .nav-toggle span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

.mobile-nav {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 24px var(--gutter) 32px;
  background: var(--paper);
  border-top: 1px solid var(--sand);
}
.mobile-nav a {
  padding: 14px 0;
  text-decoration: none;
  color: var(--ink);
  font-size: 18px;
  font-weight: 500;
  border-bottom: 1px solid var(--sand);
}
.mobile-nav a.btn { border: 1px solid var(--rust); justify-content: center; margin-top: 12px; }
.is-nav-open .mobile-nav { display: flex; }

/* ─── HERO ──────────────────────────────────────────────────── */
.hero {
  position: relative;
  background: var(--ink);
  color: var(--paper);
  padding-top: clamp(80px, 10vw, 140px);
  padding-bottom: clamp(80px, 10vw, 140px);
  overflow: hidden;
  isolation: isolate;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(ellipse 80% 60% at 90% 30%, rgba(165,42,31,0.18), transparent 70%),
    radial-gradient(ellipse 60% 50% at 10% 70%, rgba(201,160,66,0.08), transparent 60%),
    linear-gradient(180deg, #0E0E0C 0%, #161614 100%);
}
.hero-grain {
  position: absolute;
  inset: 0;
  opacity: 0.4;
  mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 0.4 0'/></filter><rect width='200' height='200' filter='url(%23n)'/></svg>");
}
.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: clamp(32px, 6vw, 80px);
  align-items: end;
  position: relative;
}
.hero-content { max-width: 720px; }
.hero-subtitle {
  font-size: clamp(17px, 1.4vw, 20px);
  line-height: 1.6;
  color: rgba(244, 239, 230, 0.78);
  max-width: 56ch;
  margin: 0 0 36px;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }

.hero-meta { padding-bottom: 8px; }
.hero-stamp {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  border: 1px solid rgba(201, 160, 66, 0.35);
  padding: 24px 28px;
  border-radius: 4px;
  background: rgba(201, 160, 66, 0.04);
  position: relative;
}
.hero-stamp::before {
  content: 'flat';
  position: absolute;
  top: -10px; right: 24px;
  background: var(--ink);
  color: var(--gold);
  padding: 0 8px;
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}
.stamp-currency {
  font-family: var(--font-display);
  color: var(--gold);
  font-size: 20px;
  font-style: italic;
  align-self: flex-start;
  margin-bottom: -10px;
}
.stamp-amount {
  font-family: var(--font-display);
  color: var(--paper);
  font-size: clamp(56px, 7vw, 96px);
  line-height: 0.9;
  font-weight: 360;
  letter-spacing: -0.04em;
  font-variation-settings: "SOFT" 70, "opsz" 144;
}
.stamp-label {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute-2);
  margin-top: 8px;
}

.hero-inner-page { padding-top: clamp(60px, 7vw, 100px); padding-bottom: clamp(60px, 7vw, 100px); }
.hero-inner-page .hero-subtitle { margin-bottom: 0; }

.hero-apply .reassurance-list {
  list-style: none;
  padding: 0;
  margin: 32px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 20px 32px;
}
.hero-apply .reassurance-list li {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: rgba(244, 239, 230, 0.85);
}
.hero-apply .check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px; height: 20px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  font-size: 11px;
}

/* ─── TRUST STRIP ───────────────────────────────────────────── */
.trust-strip {
  background: var(--ink);
  color: var(--paper);
  padding: 32px 0;
  border-top: 1px solid rgba(244,239,230,0.06);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.trust-item {
  text-align: center;
  padding: 12px 0;
  border-left: 1px solid rgba(244,239,230,0.08);
}
.trust-item:first-child { border-left: 0; }
.trust-value {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 380;
  letter-spacing: -0.02em;
  color: var(--paper);
  line-height: 1;
  font-variation-settings: "SOFT" 50;
}
.trust-label {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute-2);
  margin-top: 10px;
}

/* ─── INTRO SECTION ─────────────────────────────────────────── */
.section-intro { background: var(--paper); }
.intro-grid {
  display: grid;
  grid-template-columns: 1.1fr 1.4fr;
  gap: clamp(40px, 6vw, 100px);
  align-items: start;
}
.intro-body {
  font-size: 19px;
  line-height: 1.7;
  color: var(--graphite);
  margin: 0;
}
.pillars {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px 28px;
}
.pillar {
  border-top: 1px solid var(--sand-2);
  padding-top: 18px;
}
.pillar-num {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--rust);
  font-size: 20px;
  margin-bottom: 8px;
  font-variation-settings: "SOFT" 100;
}
.pillar-title {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.01em;
  margin: 0 0 8px;
  color: var(--ink);
}
.pillar-body {
  font-size: 15px;
  line-height: 1.6;
  color: var(--mute);
  margin: 0;
}

/* ─── PROGRAMS GRID ─────────────────────────────────────────── */
.section-programs { background: var(--paper-warm); }
.programs-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--sand);
  border: 1px solid var(--sand);
  border-radius: 4px;
  overflow: hidden;
}
.program-card {
  display: block;
  background: var(--paper);
  padding: 40px 36px;
  text-decoration: none;
  color: var(--ink);
  position: relative;
  transition: background 0.3s var(--ease), color 0.3s var(--ease);
  min-height: 280px;
}
.program-card:hover { background: var(--ink); color: var(--paper); }
.program-card:hover .program-tagline { color: var(--gold); }
.program-card:hover .program-num { color: var(--rust-glow); }
.program-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 18px;
  color: var(--rust);
  margin-bottom: 24px;
  font-variation-settings: "SOFT" 100;
  transition: color 0.3s var(--ease);
}
.program-title {
  font-family: var(--font-display);
  font-weight: 380;
  font-size: clamp(28px, 2.6vw, 36px);
  letter-spacing: -0.02em;
  margin: 0 0 6px;
  font-variation-settings: "SOFT" 50;
}
.program-tagline {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--rust);
  margin-bottom: 16px;
  transition: color 0.3s var(--ease);
}
.program-body {
  font-size: 15px;
  line-height: 1.6;
  margin: 0 0 20px;
  opacity: 0.85;
}
.program-arrow {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* ─── FEES (DARK) ───────────────────────────────────────────── */
.section-fees {
  background: var(--ink);
  color: var(--paper);
  position: relative;
  overflow: hidden;
}
.section-fees::before {
  content: '$995';
  position: absolute;
  font-family: var(--font-display);
  font-size: clamp(280px, 40vw, 540px);
  color: rgba(201, 160, 66, 0.04);
  font-weight: 380;
  letter-spacing: -0.05em;
  bottom: -100px;
  right: -40px;
  pointer-events: none;
  font-variation-settings: "SOFT" 100;
}
.fees-wrap {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: clamp(40px, 6vw, 100px);
  align-items: center;
  position: relative;
}
.fees-body {
  font-size: 18px;
  line-height: 1.7;
  color: rgba(244,239,230,0.78);
  max-width: 56ch;
  margin: 0 0 28px;
}
.fees-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px 24px;
}
.fees-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--paper);
}
.check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  font-size: 11px;
  flex-shrink: 0;
}
.fees-amount {
  text-align: right;
  position: relative;
}
.fees-amount-currency {
  font-family: var(--font-display);
  font-size: 36px;
  color: var(--gold);
  font-style: italic;
  display: inline-block;
  font-variation-settings: "SOFT" 100;
}
.fees-amount-number {
  font-family: var(--font-display);
  font-size: clamp(120px, 14vw, 200px);
  font-weight: 360;
  letter-spacing: -0.05em;
  line-height: 0.95;
  color: var(--paper);
  font-variation-settings: "SOFT" 70, "opsz" 144;
}
.fees-amount-caption {
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 12px;
}

/* ─── PROCESS ───────────────────────────────────────────────── */
.section-process { background: var(--paper); }
.process-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--sand);
  border: 1px solid var(--sand);
  border-radius: 4px;
  overflow: hidden;
}
.process-step {
  background: var(--paper-warm);
  padding: 48px 36px;
  position: relative;
}
.step-num {
  font-family: var(--font-display);
  font-size: 56px;
  font-weight: 360;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--rust);
  margin-bottom: 24px;
  font-variation-settings: "SOFT" 70;
}
.step-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 26px;
  margin: 0 0 12px;
  letter-spacing: -0.015em;
}
.step-body {
  font-size: 15px;
  line-height: 1.65;
  color: var(--mute);
  margin: 0;
}

/* ─── CTA BAND ──────────────────────────────────────────────── */
.cta-band {
  background: var(--rust);
  color: var(--paper);
  padding: clamp(80px, 10vw, 140px) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 20% 30%, rgba(255,255,255,0.08), transparent 50%);
  pointer-events: none;
}
.cta-band .eyebrow-light { color: rgba(244, 239, 230, 0.85); margin-bottom: 24px; }
.cta-band .eyebrow-light::before { background: rgba(244, 239, 230, 0.5); }
.cta-band .display-1 { max-width: 16ch; margin-left: auto; margin-right: auto; }
.cta-body {
  font-size: 18px;
  line-height: 1.7;
  color: rgba(244, 239, 230, 0.85);
  max-width: 52ch;
  margin: 0 auto 36px;
}
.cta-band .btn-primary {
  background: var(--ink);
  border-color: var(--ink);
  color: var(--paper);
}
.cta-band .btn-primary:hover { background: var(--graphite); border-color: var(--graphite); }

/* ─── ABOUT — FOUNDER ───────────────────────────────────────── */
.section-founder { background: var(--paper-warm); }
.founder-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.founder-portrait {
  aspect-ratio: 4/5;
  background: linear-gradient(160deg, var(--ink), var(--graphite));
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.founder-portrait::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 50% 40%, rgba(165,42,31,0.18), transparent 60%),
    radial-gradient(ellipse at 30% 80%, rgba(201,160,66,0.12), transparent 60%);
}
.founder-initials {
  font-family: var(--font-display);
  font-size: clamp(80px, 12vw, 160px);
  color: var(--paper);
  font-weight: 360;
  letter-spacing: -0.04em;
  font-variation-settings: "SOFT" 100;
  position: relative;
  z-index: 1;
  font-style: italic;
}
.founder-title-text {
  font-size: 14px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--rust);
  margin: 0 0 24px;
  font-weight: 600;
}

.section-values { background: var(--paper); }
.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--sand);
  border-top: 1px solid var(--sand);
  border-left: 1px solid var(--sand);
}
.value-item {
  background: var(--paper);
  padding: 40px 36px;
}
.value-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--rust);
  margin-bottom: 16px;
  font-variation-settings: "SOFT" 100;
}
.value-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 24px;
  margin: 0 0 12px;
  letter-spacing: -0.015em;
}
.value-body {
  font-size: 15px;
  line-height: 1.65;
  color: var(--mute);
  margin: 0;
}

/* ─── LOAN PROGRAMS PAGE ────────────────────────────────────── */
.fee-callout {
  background: var(--gold);
  color: var(--ink);
  padding: 32px 0;
  position: sticky;
  top: 73px;
  z-index: 5;
}
.is-scrolled + .fee-callout { top: 73px; }
.fee-callout-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.fee-callout-heading {
  font-family: var(--font-display);
  font-size: clamp(22px, 2.2vw, 30px);
  font-weight: 400;
  margin: 0 0 4px;
  letter-spacing: -0.015em;
}
.fee-callout-text p { margin: 0; font-size: 15px; color: var(--ink); opacity: 0.85; }

.program-nav {
  background: var(--ink);
  color: var(--paper);
  padding: 16px 0;
  position: sticky;
  top: 137px;
  z-index: 4;
  border-bottom: 1px solid rgba(244,239,230,0.08);
}
.program-nav ul {
  list-style: none;
  display: flex;
  gap: 32px;
  margin: 0;
  padding: 0;
  overflow-x: auto;
}
.program-nav a {
  text-decoration: none;
  color: rgba(244,239,230,0.7);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.04em;
  white-space: nowrap;
  transition: color 0.2s var(--ease);
}
.program-nav a:hover { color: var(--gold); }

.program-section {
  padding-top: clamp(80px, 9vw, 120px);
  padding-bottom: clamp(80px, 9vw, 120px);
  border-bottom: 1px solid var(--sand);
}
.program-section.is-alt { background: var(--paper-warm); }
.program-section-head { margin-bottom: 56px; max-width: 720px; }
.program-section-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--rust);
  margin-bottom: 20px;
  font-variation-settings: "SOFT" 100;
}
.program-summary {
  font-size: 19px;
  line-height: 1.6;
  color: var(--graphite);
  margin: 16px 0 0;
}
.program-detail-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: start;
}
.terms-heading {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute);
  margin: 0 0 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--sand-2);
}
.terms-list { margin: 0; padding: 0; }
.term-row {
  display: flex;
  justify-content: space-between;
  padding: 14px 0;
  border-bottom: 1px solid var(--sand-2);
  gap: 24px;
}
.term-row:last-child { border-bottom: 0; }
.term-row dt {
  font-size: 15px;
  color: var(--mute);
}
.term-row dd {
  margin: 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  text-align: right;
  font-feature-settings: 'tnum';
}
.highlights-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 14px;
}
.highlights-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  line-height: 1.5;
  color: var(--graphite);
}
.highlights-list .check {
  border-color: var(--rust);
  color: var(--rust);
  margin-top: 2px;
}

/* Fee comparison table */
.section-fee-comparison { background: var(--paper); }
.fee-table-wrap {
  margin-top: 56px;
  border: 1px solid var(--sand-2);
  border-radius: 4px;
  overflow: hidden;
}
.fee-table {
  width: 100%;
  border-collapse: collapse;
}
.fee-table th {
  background: var(--ink);
  color: var(--paper);
  padding: 20px 24px;
  text-align: left;
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
}
.fee-table th:last-child { background: var(--rust); color: var(--paper); }
.fee-table td {
  padding: 18px 24px;
  border-top: 1px solid var(--sand-2);
  font-size: 15px;
}
.fee-table tbody tr:nth-child(even) { background: var(--paper-warm); }
.fee-table .trad-cell { color: var(--mute); }
.fee-table .redfox-cell { color: var(--rust); font-weight: 600; }
.fee-table .is-total td {
  background: var(--ink);
  color: var(--paper);
  font-weight: 700;
  font-size: 16px;
  padding: 22px 24px;
}
.fee-table .is-total .redfox-cell { color: var(--gold); font-size: 22px; font-family: var(--font-display); font-variation-settings: "SOFT" 60; }
.fee-table .is-total .trad-cell { color: rgba(244,239,230,0.5); }

/* ─── APPLY FORM ────────────────────────────────────────────── */
.section-apply-form { background: var(--paper-warm); padding-top: clamp(60px, 7vw, 100px); }
.apply-form { display: grid; gap: 56px; }
.form-section {
  border: 0;
  padding: 0;
  margin: 0;
  background: var(--paper);
  border-radius: 6px;
  padding: 36px 36px 32px;
  box-shadow: 0 1px 3px rgba(14,14,12,0.04), 0 1px 0 var(--sand-2);
}
.form-section legend {
  display: flex;
  align-items: baseline;
  gap: 16px;
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 400;
  letter-spacing: -0.015em;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--sand-2);
  width: 100%;
}
.form-section-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 16px;
  color: var(--rust);
  font-variation-settings: "SOFT" 100;
}
.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 20px;
}
.form-row-3 { grid-template-columns: repeat(3, 1fr); }
.form-field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }
.form-row .form-field { margin-bottom: 0; }
.form-field label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--graphite);
}
.req { color: var(--rust); }
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--font-body);
  font-size: 16px;
  padding: 12px 14px;
  border: 1px solid var(--sand-2);
  border-radius: 4px;
  background: var(--paper-warm);
  color: var(--ink);
  width: 100%;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease), background 0.2s var(--ease);
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: 0;
  border-color: var(--rust);
  box-shadow: 0 0 0 3px rgba(165,42,31,0.12);
  background: var(--paper);
}
.form-field textarea { resize: vertical; }
.input-prefix {
  position: relative;
  display: flex;
  align-items: stretch;
}
.input-prefix .prefix {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--mute);
  font-weight: 600;
  font-size: 15px;
  pointer-events: none;
}
.input-prefix input { padding-left: 28px; }

/* Loan-type radio grid */
.radio-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 8px;
}
.radio-card {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 14px 8px;
  border: 1px solid var(--sand-2);
  border-radius: 4px;
  cursor: pointer;
  background: var(--paper-warm);
  font-size: 14px;
  font-weight: 600;
  color: var(--graphite);
  transition: all 0.2s var(--ease);
}
.radio-card:hover { border-color: var(--rust); color: var(--rust); }
.radio-card input { position: absolute; opacity: 0; pointer-events: none; }
.radio-card:has(input:checked) {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}

.form-error-summary {
  background: rgba(165,42,31,0.06);
  border: 1px solid rgba(165,42,31,0.2);
  color: var(--rust-deep);
  padding: 18px 22px;
  border-radius: 4px;
  margin-bottom: 24px;
  font-size: 14px;
}
.form-error-summary ul { margin: 8px 0 0; padding-left: 18px; }

.form-submit { text-align: center; padding: 12px 0 60px; }
.btn-submit { padding: 20px 40px; font-size: 14px; }
.form-disclaimer {
  margin-top: 18px;
  font-size: 13px;
  color: var(--mute);
  max-width: 56ch;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.5;
}

/* Thank you */
.thank-you-section {
  background: var(--paper-warm);
  padding: clamp(80px, 12vw, 160px) 0;
}
.thank-you-card {
  background: var(--paper);
  padding: clamp(40px, 6vw, 72px);
  text-align: center;
  border-radius: 6px;
  box-shadow: 0 1px 3px rgba(14,14,12,0.04), 0 1px 0 var(--sand-2);
}
.thank-you-mark {
  width: 72px;
  height: 72px;
  margin: 0 auto 32px;
  color: var(--rust);
}
.thank-you-body {
  font-size: 18px;
  line-height: 1.7;
  color: var(--graphite);
  max-width: 56ch;
  margin: 0 auto 40px;
}
.thank-you-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ─── FOOTER ────────────────────────────────────────────────── */
.site-footer {
  background: var(--ink);
  color: var(--paper);
  padding: 80px 0 32px;
  margin-top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(244,239,230,0.08);
}
.footer-brand { max-width: 320px; }
.brand-footer {
  display: inline-block;
  color: var(--paper);
  text-decoration: none;
}
.footer-logo {
  width: 180px;
  height: auto;
  display: block;
}
.footer-tagline {
  margin: 24px 0 0;
  font-size: 14px;
  line-height: 1.7;
  color: rgba(244,239,230,0.6);
}
.footer-heading {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 20px;
}
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  color: rgba(244,239,230,0.78);
  text-decoration: none;
  font-size: 14px;
  transition: color 0.2s var(--ease);
}
.footer-links a:hover { color: var(--paper); }
.footer-address {
  font-style: normal;
  font-size: 14px;
  line-height: 1.7;
  color: rgba(244,239,230,0.78);
}
.footer-address a { color: rgba(244,239,230,0.78); text-decoration: none; }
.footer-address a:hover { color: var(--paper); }
.footer-hours { color: var(--gold); font-size: 12px; letter-spacing: 0.06em; }

.footer-bottom {
  padding-top: 28px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 32px;
  align-items: start;
}
.footer-bottom p {
  margin: 0;
  font-size: 12px;
  color: rgba(244,239,230,0.5);
}
.footer-disclaimer { line-height: 1.7; max-width: 80ch; }

/* ─── REVEAL ANIMATIONS ─────────────────────────────────────── */
[data-reveal] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ─── RESPONSIVE ────────────────────────────────────────────── */
@media (max-width: 960px) {
  .nav-toggle { display: flex; }
  .primary-nav, .nav-cta { display: none; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-meta { display: none; }
  .intro-grid, .fees-wrap, .founder-grid, .program-detail-grid { grid-template-columns: 1fr; }
  .pillars { grid-template-columns: 1fr; }
  .programs-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(3) { border-left: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-bottom { grid-template-columns: 1fr; }
  .fees-list { grid-template-columns: 1fr; }
  .fees-amount { text-align: left; }
  .program-nav { top: 0; }
  .fee-callout { position: static; }
}
@media (max-width: 640px) {
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .radio-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .form-section { padding: 24px 22px; }
  .form-section legend { font-size: 22px; }
  .hero-stamp { display: none; }
  .trust-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .trust-item { padding: 8px 0; }
}