/* Lending by Jen — layout: editorial left-aligned columns, red used only for actions and the heart mark */
:root {
  --bg: #ffffff;
  --surface: #f6f3f3;
  --ink: #2c2a2b;
  --muted: #696263;
  --line: #e7e1e1;
  --accent: #CF3438;
  --accent-ink: #CF3438;
  --on-accent: #ffffff;
  --display: "Bodoni Moda", "Didot", "Bodoni 72", Georgia, serif;
  --body: "Figtree", "Segoe UI", system-ui, -apple-system, sans-serif;
  --wrap: 1120px;
  --radius: 6px;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #1b191a; --surface: #252223; --ink: #f2eeee; --muted: #b3abac;
    --line: #3a3435; --accent: #CF3438; --accent-ink: #CF3438; --on-accent: #ffffff;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #1b191a; --surface: #252223; --ink: #f2eeee; --muted: #b3abac;
  --line: #3a3435; --accent: #CF3438; --accent-ink: #CF3438; --on-accent: #ffffff;
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: var(--body); font-size: 17px; line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: var(--accent-ink); text-underline-offset: 3px; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible {
  outline: 2px solid var(--accent); outline-offset: 3px;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: 20px; }

/* Header */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10;
  background: var(--bg); border-bottom: 1px solid var(--line);
}
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 14px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.brand-logo { display: block; width: 250px; height: 54px; max-width: min(42vw, 250px); object-fit: contain; object-position: left center; flex: none; }
@media (max-width: 600px) { .brand-logo { width: 205px; height: 44px; max-width: 58vw; } }
.header-actions { display: flex; gap: 8px; flex-wrap: wrap; }
/* Navigation: white links on a dark charcoal bar */
.nav-scroll { overflow-x: auto; background: #ffffff; border-top: 1px solid #eeeeee; border-bottom: 1px solid #eeeeee; }
.nav { display: flex; gap: 26px; padding-block: 10px; white-space: nowrap; font-size: 0.92rem; }
.nav a { color: #363636; text-decoration: none; }
.nav a:hover, .nav a[aria-current="page"] { color: #363636; }
.nav a:focus-visible { outline-color: #363636; }
.nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--accent); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 0.95rem/1 var(--body); padding: 13px 20px; border-radius: var(--radius);
  text-decoration: none; border: 1.5px solid var(--accent); cursor: pointer;
}
.btn-primary { background: var(--accent); color: var(--on-accent); }
.btn-primary:hover { background: var(--accent-ink); border-color: var(--accent-ink); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-sm { padding: 9px 14px; font-size: 0.88rem; }

/* Type */
h1, h2, h3 { font-family: var(--display); font-weight: 600; line-height: 1.12; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(2.3rem, 5.4vw, 3.9rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.3rem; }
h1 em, h2 em { font-style: italic; font-weight: 500; color: var(--accent-ink); }
.eyebrow { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin: 0 0 14px; }
.lede { font-size: 1.18rem; color: var(--muted); max-width: 58ch; margin: 18px 0 0; }
.prose { max-width: 65ch; }
.prose p { margin: 0 0 1em; }
.muted { color: var(--muted); }

/* Sections */
.section { padding-block: clamp(56px, 8vw, 96px); }
.section + .section { border-top: 1px solid var(--line); }
.section-alt { background: var(--surface); }
.section-head { display: grid; gap: 12px; margin-bottom: 40px; max-width: 760px; }

/* Hero */
.hero { padding-block: clamp(48px, 7vw, 88px); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 30px; }
.hero-note { margin-top: 18px; font-size: 0.9rem; color: var(--muted); }

/* Move-up sequence card */
.plan { border: 1px solid var(--line); border-radius: var(--radius); background: var(--bg); padding: 26px; }
.plan-title { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin: 0 0 18px; }
.plan ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; counter-reset: step; }
.plan li { counter-increment: step; display: grid; grid-template-columns: 34px minmax(0, 1fr); gap: 14px; padding-bottom: 18px; position: relative; }
.plan li:last-child { padding-bottom: 0; }
.plan li::before {
  content: counter(step); width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center; font: 700 0.9rem/1 var(--body);
  border: 1.5px solid var(--accent); color: var(--accent-ink); background: var(--bg); position: relative; z-index: 1;
}
.plan li:not(:last-child)::after { content: ""; position: absolute; left: 16.5px; top: 34px; bottom: 0; width: 1px; background: var(--line); }
.plan strong { display: block; font-size: 1rem; }
.plan span { display: block; font-size: 0.92rem; color: var(--muted); }
.plan-foot { margin: 20px 0 0; padding-top: 16px; border-top: 1px solid var(--line); font-size: 0.85rem; color: var(--muted); }

/* Grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 36px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px; }
.item h3 { margin-bottom: 8px; }
.item p { margin: 0; color: var(--muted); }
.rule-top { border-top: 2px solid var(--ink); padding-top: 18px; }

/* Options table (buy before you sell) */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: 0.95rem; }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); font-weight: 700; background: var(--surface); }
tr:last-child td { border-bottom: 0; }
td:first-child { font-weight: 600; white-space: nowrap; }

/* Steps list */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 28px; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 18px; }
.steps li::before { content: counter(s, decimal-leading-zero); font: 600 1.6rem/1 var(--display); color: var(--accent-ink); }
.steps h3 { margin-bottom: 6px; }
.steps p { margin: 0; color: var(--muted); }

/* Quote / reviews */
.quote { margin: 0; }
.quote blockquote { margin: 0; font-family: var(--display); font-size: 1.25rem; line-height: 1.4; }
.quote figcaption { margin-top: 12px; font-size: 0.9rem; color: var(--muted); }
.reviews { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 44px 56px; }
.stars { color: var(--accent); letter-spacing: 2px; font-size: 0.95rem; margin-bottom: 10px; }

/* About */
.about-grid { display: grid; grid-template-columns: minmax(0, 340px) minmax(0, 1fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.portrait {
  aspect-ratio: 1 / 1; width: 100%; max-width: 340px; border-radius: var(--radius); overflow: hidden;
  background: var(--surface); border: 1px solid var(--line); display: grid; place-items: center; position: relative;
}
.portrait .mono { font: italic 500 4rem/1 var(--display); color: var(--accent-ink); }
.portrait img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: contain; object-position: center; }
.facts { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 10px; font-size: 0.95rem; }
.facts li { display: flex; justify-content: space-between; gap: 16px; border-bottom: 1px solid var(--line); padding-bottom: 10px; }
.facts li span:first-child { color: var(--muted); }

/* CTA band */
.cta-band { background: var(--ink); color: var(--bg); }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; padding-block: 48px; }
.cta-band h2 { color: var(--bg); }
.cta-band .btn-ghost { color: var(--bg); border-color: color-mix(in srgb, var(--bg) 40%, transparent); }
.cta-band .btn-ghost:hover { border-color: var(--bg); }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding-block: 18px; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--accent-ink); font-weight: 400; font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 12px 0 0; color: var(--muted); max-width: 65ch; }

/* Forms */
.form { display: grid; gap: 16px; }
.form .row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.field { display: grid; gap: 6px; }
.field label { font-size: 0.88rem; font-weight: 600; }
.field input, .field select, .field textarea {
  font: inherit; font-size: 1rem; padding: 12px 14px; border-radius: var(--radius);
  border: 1px solid var(--line); background: var(--bg); color: var(--ink); width: 100%;
}
.field textarea { min-height: 120px; resize: vertical; }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: 0.82rem; color: var(--muted); margin: 0; }
.form-status { font-size: 0.92rem; margin: 0; color: var(--accent-ink); }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list .label { display: block; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); }
.contact-list .value { font-size: 1.1rem; user-select: all; }
.panel { background: var(--surface); border-radius: var(--radius); padding: clamp(22px, 3vw, 32px); }

/* Footer */
.site-footer { border-top: 1px solid var(--line); padding-block: 48px 40px; font-size: 0.88rem; color: var(--muted); }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 1fr)); gap: 32px; }
.footer-grid h4 { margin: 0 0 10px; font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink); }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.footer-grid a { color: var(--muted); text-decoration: none; }
.footer-grid a:hover { color: var(--ink); }
.legal { margin-top: 36px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 0.78rem; line-height: 1.55; display: grid; gap: 8px; }
.legal p { margin: 0; }
.ehl { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--ink); }
.ehl svg { width: 22px; height: 22px; }

@media (max-width: 860px) {
  .hero-grid, .about-grid, .grid-2, .reviews, .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .grid-3 { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .about-grid .portrait { max-width: 320px; }
}
@media (max-width: 520px) {
  body { font-size: 16px; }
  .form .row { grid-template-columns: minmax(0, 1fr); }
  .header-actions .btn-ghost { display: none; }
  .steps li { grid-template-columns: 40px minmax(0, 1fr); }
}
@media (prefers-reduced-motion: no-preference) {
  .btn { transition: background-color .15s ease, border-color .15s ease; }
}


/* Contact page: keep newsletter CTA aligned with the left contact-details edge. */
.newsletter-signup {
  margin-top: 36px;
  padding: 0;
  border: 0;
  background: transparent;
  box-shadow: none;
  border-radius: 0;
}


/* Tighter spacing between the Free Guides intro and request form */
.page-guides .hero { padding-bottom: 20px; }
.page-guides .section { padding-top: 20px; }

/* Site-wide free-guides call to action */
.top-cta-banner {
  background: #CF3438;
  color: #fff;
  text-align: center;
  padding: 10px 16px;
}
.top-cta-banner a {
  display: inline-block;
  color: #fff;
  font-weight: 700;
  font-size: 0.94rem;
  text-decoration: none;
}
.top-cta-banner a:hover { text-decoration: underline; text-underline-offset: 3px; }
.top-cta-banner a:focus-visible { outline-color: #fff; }


/* Free Guides request form: charcoal panel matching the site's dark accents */
.page-guides .guides-form-panel {
  background: #1B191A;
  color: #ffffff;
  padding: clamp(22px, 3vw, 32px);
  border-radius: var(--radius);
}
.page-guides .guides-form-panel .field label { color: #ffffff; }
.page-guides .guides-form-panel .field input,
.page-guides .guides-form-panel .field select {
  background: #ffffff;
  color: #2c2a2b;
  border-color: #d8d2d2;
}
.page-guides .guides-form-panel .form-status { color: #ffffff; }