/* ==========================================================================
   SITE — page-specific composition
   ========================================================================== */

/* -------------------- Hero scroll-scrub (pure video) -------------------- */
.hero-scrub {
  position: relative;
  height: var(--pin-h, 180vh);
  background: var(--hivis-navy);
  color: var(--hivis-cream);
}
/* The sticky stage pins a 100vh viewport while the outer section scrolls */
.hero-scrub-stage {
  position: sticky; top: 0;
  height: 100vh;
  overflow: hidden;
}
.hero-scrub video {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 0;
}
/* Soft vignette — tones the edges, leaves the bolt centre clean */
.hero-scrub-stage::after {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at center, transparent 50%, rgba(11,18,32,0.45) 100%);
  z-index: 1; pointer-events: none;
}
.hero-cue {
  position: absolute; bottom: 2.5rem; left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex; flex-direction: column; align-items: center; gap: 0.75rem;
  color: var(--hivis-cream);
  font-family: var(--font-display); font-weight: 800;
  font-size: var(--fs-label); letter-spacing: 0.28em; text-transform: uppercase;
  opacity: 0.85;
}
.hero-cue-line {
  display: block; width: 1px; height: 48px;
  background: linear-gradient(to bottom, transparent, var(--hivis-yellow));
  animation: hero-cue-drop 1.8s var(--ease) infinite;
}
@keyframes hero-cue-drop {
  0%   { transform: scaleY(0.2); transform-origin: top; opacity: 0; }
  40%  { transform: scaleY(1);   transform-origin: top; opacity: 1; }
  60%  { transform: scaleY(1);   transform-origin: bottom; opacity: 1; }
  100% { transform: scaleY(0);   transform-origin: bottom; opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-cue-line { animation: none; opacity: 1; }
}
@media (max-width: 860px) {
  .hero-scrub { height: auto; }
  .hero-scrub-stage { position: static; height: 70vh; }
}
/* Below 640px the 16:9 video can't fit-cover without amputating the wordmark.
   Switch to contain so the brand mark always lands fully in frame; the
   navy hero-scrub bg fills the letterbox bars. */
@media (max-width: 640px) {
  .hero-scrub-stage { height: 60vh; min-height: 380px; }
  .hero-scrub video { object-fit: contain; background: var(--hivis-navy); }
}

/* -------------------- Pre-qualify section (post-hero) -------------------- */
.prequal {
  background: var(--hivis-navy);
  color: var(--hivis-cream);
  padding: clamp(5rem, 10vw, 8rem) var(--gutter-x) clamp(5rem, 10vw, 8rem);
  position: relative;
  overflow: hidden;
}
.prequal::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 10% 0%, rgba(243,109,56,0.10), transparent 60%),
    radial-gradient(ellipse 50% 40% at 90% 100%, rgba(255,176,32,0.08), transparent 60%);
  pointer-events: none;
}
.prequal-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
/* Single-column variant for when the card is removed (homepage). */
.prequal--solo .prequal-inner { grid-template-columns: 1fr; max-width: 56rem; }
.prequal-cta { display: inline-flex; padding: 1rem 1.75rem; font-size: 1rem; }
.prequal-copy .eyebrow { color: var(--hivis-yellow); margin-bottom: 1.25rem; display: block; }
.prequal-copy .h-display {
  color: var(--hivis-cream);
  font-size: clamp(2.75rem, 6vw, 5rem);
  line-height: 0.95;
  letter-spacing: -0.03em;
  margin-bottom: 1.5rem;
}
.prequal-copy .h-display em {
  font-style: normal;
  background: var(--hivis-gradient);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.prequal-copy .lede { color: var(--hivis-mist); max-width: 34rem; margin-bottom: 2rem; }
.prequal-bullets {
  list-style: none;
  display: flex; flex-direction: column; gap: 0.75rem;
  padding: 0; margin: 0;
  color: var(--hivis-mist);
  font-size: 1rem;
}
.prequal-bullets li {
  display: flex; align-items: center; gap: 0.75rem;
}
.bullet-dot {
  display: inline-block; width: 10px; height: 12px;
  background: var(--hivis-gradient);
  clip-path: polygon(55% 0, 0 55%, 40% 55%, 25% 100%, 100% 40%, 55% 40%);
  flex-shrink: 0;
}

.prequal-card {
  background: var(--hivis-cream);
  color: var(--hivis-ink);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  box-shadow: 0 30px 80px rgba(0,0,0,0.45), 0 0 0 1px rgba(255,255,255,0.04);
}
.prequal-card .eyebrow { color: var(--hivis-orange); margin-bottom: 0.5rem; display: block; }
.prequal-card-title {
  font-size: 1.75rem;
  text-transform: uppercase;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
  color: var(--hivis-navy);
}
.prequal-card .field { margin-bottom: 1.25rem; }
.prequal-card .field > label { color: #666; font-size: 0.6875rem; letter-spacing: 0.22em; }
.prequal-submit { width: 100%; margin-top: 0.5rem; }
.prequal-fine { color: #888; margin-top: 0.75rem; text-align: center; }

@media (max-width: 860px) {
  .prequal-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .prequal-copy { text-align: left; }
}

/* -------------------- Static page hero (apply + construction) -------------------- */
.hero-static {
  position: relative;
  padding: 7rem var(--gutter-x) 3rem;
  color: var(--hivis-cream); background: var(--hivis-navy);
  overflow: hidden;
}
.hero-static::before {
  content: ''; position: absolute; inset: 0;
  background-size: cover; background-position: center;
  background-image: var(--hero-static-bg, none);
  opacity: 0.55;
}
.hero-static::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,18,32,0.85), rgba(11,18,32,0.6));
}
.hero-static-inner { position: relative; z-index: 2; max-width: var(--container-max); margin-inline: auto; }

/* -------------------- Section variants -------------------- */
.section--cream { background: var(--hivis-cream); color: var(--hivis-ink); }
.section--navy  { background: var(--hivis-navy);  color: var(--hivis-cream); position: relative; overflow: hidden; }
.section--navy::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 50% 40% at 85% 0%, rgba(255,176,32,0.08), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 100%, rgba(243,109,56,0.06), transparent 60%);
  pointer-events: none;
}
.section--navy > .container { position: relative; }
.section--compact { padding-block: clamp(2.5rem, 6vw, 4.5rem); }

.section-head { max-width: 820px; margin: 0 auto clamp(2.5rem, 5vw, 4rem); text-align: center; }
.section-head .eyebrow { color: var(--hivis-orange); display: block; margin-bottom: 0.75rem; }
.section--navy .section-head .eyebrow { color: var(--hivis-yellow); }
.section-head .h1 {
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  line-height: 1.02;
}
.section-head .h1 em {
  font-style: normal;
  background: var(--hivis-gradient);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
}
.section--navy .section-head .h1 { color: var(--hivis-cream); }

/* -------------------- Finance grid (icon cards) -------------------- */
.finance-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.finance-card {
  background: white;
  border: 1px solid var(--hivis-fog);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  transition: transform var(--dur-mid) var(--ease), border-color var(--dur-mid) var(--ease), box-shadow var(--dur-mid) var(--ease);
  position: relative;
  overflow: hidden;
}
.finance-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--hivis-gradient);
  transform: scaleX(0);
  transform-origin: 0 0;
  transition: transform var(--dur-mid) var(--ease);
}
.finance-card:hover { transform: translateY(-6px); border-color: transparent; box-shadow: 0 20px 50px rgba(11,18,32,0.10); }
.finance-card:hover::before { transform: scaleX(1); }
.finance-icon {
  width: 56px; height: 56px;
  border-radius: 12px;
  display: grid; place-items: center;
  margin-bottom: 1.25rem;
  background: var(--hivis-navy);
  color: var(--hivis-yellow);
  position: relative;
}
.finance-icon::after {
  content: '';
  position: absolute; inset: 0;
  background: var(--hivis-gradient);
  border-radius: 12px;
  opacity: 0;
  transition: opacity var(--dur-mid) var(--ease);
  z-index: 0;
}
.finance-icon svg { position: relative; z-index: 1; width: 32px; height: 32px; transition: color var(--dur-mid) var(--ease); }
.finance-card:hover .finance-icon::after { opacity: 1; }
.finance-card:hover .finance-icon svg { color: var(--hivis-navy); }
.finance-card h3 { font-family: var(--font-display); text-transform: uppercase; letter-spacing: -0.01em; font-size: 1.25rem; font-weight: 800; margin-bottom: 0.5rem; }
.finance-card p { font-size: 0.9rem; color: #555; line-height: 1.5; }
@media (max-width: 980px) { .finance-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .finance-grid { grid-template-columns: 1fr; } }

/* -------------------- Industries grid (icon tiles on navy) -------------------- */
.industries-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.industry-tile {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  color: var(--hivis-cream);
  position: relative;
  transition: transform var(--dur-mid) var(--ease), background var(--dur-mid) var(--ease), border-color var(--dur-mid) var(--ease);
  display: flex; flex-direction: column; gap: 0.5rem;
  min-height: 180px;
}
.industry-tile:hover {
  transform: translateY(-4px);
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,176,32,0.4);
}
.industry-tile svg {
  width: 44px; height: 44px;
  color: var(--hivis-yellow);
  margin-bottom: 0.75rem;
}
.industry-name {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.625rem;
  text-transform: uppercase;
  letter-spacing: -0.02em;
  color: var(--hivis-cream);
}
.industry-sub { font-size: 0.875rem; color: var(--hivis-mist); }
.industry-arrow {
  position: absolute;
  top: 2rem; right: 1.75rem;
  font-size: 1.5rem;
  color: var(--hivis-yellow);
  transition: transform var(--dur-mid) var(--ease);
}
.industry-tile:hover .industry-arrow { transform: translateX(4px); }
.industry-tile--accent {
  background: linear-gradient(145deg, rgba(243,109,56,0.15), rgba(255,176,32,0.06));
  border-color: rgba(243,109,56,0.3);
}
.industry-tile--accent svg { color: var(--hivis-orange); }
@media (max-width: 860px) { .industries-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .industries-grid { grid-template-columns: 1fr; } .industry-tile { min-height: 0; } }

/* -------------------- Proof / Quote cards -------------------- */
.quotes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.quote-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  position: relative;
  display: flex; flex-direction: column; gap: 1.5rem;
  transition: transform var(--dur-mid) var(--ease), border-color var(--dur-mid) var(--ease);
}
.quote-card:hover { transform: translateY(-4px); border-color: rgba(255,176,32,0.3); }
.quote-mark {
  font-family: var(--font-display);
  font-size: 6rem;
  line-height: 0.7;
  font-weight: 800;
  background: var(--hivis-gradient);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
  position: absolute;
  top: -0.5rem; left: 1.75rem;
  pointer-events: none;
}
.quote-card blockquote {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  line-height: 1.35;
  color: var(--hivis-cream);
  letter-spacing: -0.01em;
  margin-top: 2.5rem;
  quotes: none;
}
.quote-card figcaption {
  display: flex; align-items: center; gap: 0.875rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-top: auto;
}
.quote-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--hivis-gradient);
  color: var(--hivis-navy);
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.8125rem;
  letter-spacing: 0.04em;
  flex-shrink: 0;
}
.quote-card figcaption strong {
  display: block;
  color: var(--hivis-cream);
  font-family: var(--font-display);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.8125rem;
}
.quote-card figcaption span {
  display: block;
  color: var(--hivis-mist);
  font-size: 0.8125rem;
  margin-top: 2px;
}
@media (max-width: 860px) { .quotes-grid { grid-template-columns: 1fr; } }

/* -------------------- How it works -------------------- */
.steps-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; position: relative; }
/* Connector line sits *below* the numbers (3rem tall + 0.75rem margin) so it
   doesn't cut through them. Starts after col 1's number and ends before col 3's. */
.steps-row::before { content: ''; position: absolute; top: 3.5rem; left: 16%; right: 16%; height: 2px; background: var(--hivis-gradient); opacity: 0.35; z-index: 0; }
.step { position: relative; z-index: 1; }
.step .n { font-family: var(--font-display); font-weight: 800; font-size: 3rem; line-height: 1; background: var(--hivis-gradient); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; margin-bottom: 0.75rem; }
@media (max-width: 720px) { .steps-row { grid-template-columns: 1fr; gap: 1.5rem; } .steps-row::before { display: none; } }

/* -------------------- Repayment estimator -------------------- */
.calc { background: var(--hivis-navy-2); color: var(--hivis-cream); border-radius: var(--radius-lg); padding: 2.5rem; display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: center; }
.calc-inputs .field > label { color: var(--hivis-mist); }
.calc-inputs .input { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.14); color: var(--hivis-cream); }
.calc-output { text-align: right; }
.calc-number { font-family: var(--font-display); font-weight: 800; font-size: clamp(2rem, 5vw, 3.5rem); line-height: 1; background: var(--hivis-gradient); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.calc-cadence-row { display: flex; gap: 1.5rem; justify-content: flex-end; margin-top: 1.25rem; font-size: 0.875rem; color: var(--hivis-mist); }
.calc-cadence-row button { color: var(--hivis-mist); padding: 0.25rem 0; border-bottom: 2px solid transparent; font-family: var(--font-display); text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.75rem; }
.calc-cadence-row button[aria-pressed="true"] { color: var(--hivis-cream); border-bottom-color: var(--hivis-yellow); }
.calc .disclaimer { font-size: 0.75rem; color: #8a90a0; margin-top: 1rem; }
@media (max-width: 720px) { .calc { grid-template-columns: 1fr; padding: 1.5rem; } .calc-output { text-align: left; } .calc-cadence-row { justify-content: flex-start; } }

/* -------------------- Apply hero (wizard landing) -------------------- */
.apply-hero {
  background: var(--hivis-navy);
  color: var(--hivis-cream);
  padding: clamp(5rem, 9vw, 7.5rem) var(--gutter-x) clamp(4rem, 8vw, 6rem);
  position: relative;
  overflow: hidden;
  min-height: calc(100vh - 0px);
}
.apply-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 50% 45% at 85% 10%, rgba(255,176,32,0.12), transparent 60%),
    radial-gradient(ellipse 45% 35% at 10% 90%, rgba(243,109,56,0.1), transparent 60%);
  pointer-events: none;
}
.apply-hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.apply-copy .eyebrow { color: var(--hivis-yellow); display: block; margin-bottom: 1.25rem; }
.apply-copy .h-display {
  color: var(--hivis-cream);
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 0.98;
  margin-bottom: 1.25rem;
}
.apply-copy .h-display em {
  font-style: normal;
  background: var(--hivis-gradient);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
}
.apply-copy .lede { color: var(--hivis-mist); max-width: 36rem; margin-bottom: 1.75rem; }
.apply-bullets {
  list-style: none;
  display: flex; flex-direction: column; gap: 0.75rem;
  padding: 0; margin: 0;
  color: var(--hivis-mist);
  font-size: 0.95rem;
}
.apply-bullets li { display: flex; align-items: center; gap: 0.75rem; }
@media (max-width: 900px) {
  .apply-hero { min-height: 0; }
  .apply-hero-inner { grid-template-columns: 1fr; }
}

/* -------------------- Wizard -------------------- */
.wizard-shell {
  background: var(--hivis-cream);
  color: var(--hivis-ink);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  box-shadow: 0 30px 80px rgba(0,0,0,0.45), 0 0 0 1px rgba(255,255,255,0.04);
  display: flex; flex-direction: column; gap: 1rem;
}
.wizard-shell .summary-strip { background: rgba(11,18,32,0.04); border-radius: var(--radius-sm); padding: 0.75rem 1rem; font-size: 0.875rem; display: flex; justify-content: space-between; align-items: center; gap: 0.5rem; flex-wrap: wrap; margin: 0; }
.wizard-shell .summary-strip .k { color: #666; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.12em; margin-right: 0.4rem; }
.wizard-shell #wizard-step-title .eyebrow { color: var(--hivis-orange); display: block; margin-bottom: 0.5rem; }
.wizard-shell #wizard-step-title .h2 { font-size: 1.75rem; text-transform: uppercase; letter-spacing: -0.02em; color: var(--hivis-navy); margin: 0; }
.wizard-shell #step-lede { color: #555; margin: 0; }
.wizard-shell #step-body { margin: 0; }
.wizard-nav { display: flex; gap: 0.75rem; margin-top: 0.5rem; }
.wizard-nav .btn { flex: 1; }
.wizard-nav .btn--back { flex: 0 0 auto; }
.live-repayment { padding: 0.875rem 1rem; background: rgba(243,109,56,0.08); border-left: 3px solid var(--hivis-orange); border-radius: var(--radius-sm); font-size: 0.9rem; }

/* -------------------- Thanks -------------------- */
.thanks-card { background: var(--hivis-navy-2); color: var(--hivis-cream); border-radius: var(--radius-md); padding: 2rem; max-width: 640px; margin: 2rem auto; }
.thanks-card .row { display: flex; justify-content: space-between; padding: 0.75rem 0; border-bottom: 1px solid rgba(255,255,255,0.08); font-size: 0.95rem; }
.thanks-card .row:last-child { border-bottom: 0; }
.thanks-card .k { color: var(--hivis-mist); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.14em; }

/* -------------------- Deep application (/apply/continue/) -------------------- */
.apply-deep { padding: clamp(5rem, 10vw, 7rem) 0 4rem; background: var(--hivis-navy); color: var(--hivis-cream); min-height: 100vh; }
.apply-deep-inner { max-width: 760px; margin: 0 auto; padding: 0 var(--gutter-x); }
.apply-deep-header { margin-bottom: 2.5rem; }
.apply-deep-header .eyebrow { color: var(--hivis-yellow); }
.apply-deep-header h1 { color: var(--hivis-cream); }

.path-picker { background: var(--hivis-cream); color: var(--hivis-ink); padding: 2rem; border-radius: var(--radius-md); }
.path-picker .eyebrow { color: var(--hivis-orange); }
.path-options { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.5rem; }
.path-option { text-align: left; padding: 1.5rem; background: white; border: 2px solid #d4d2cd; border-radius: var(--radius-md); cursor: pointer; transition: border-color var(--dur-fast) var(--ease), transform var(--dur-fast) var(--ease); }
.path-option:hover { border-color: var(--hivis-orange); transform: translateY(-2px); }
.path-option[aria-checked="true"] { border-color: var(--hivis-orange); background: rgba(243,109,56,0.04); }
.path-option-label { display: block; font-family: var(--font-display); font-weight: 800; text-transform: uppercase; letter-spacing: -0.01em; font-size: 1.25rem; color: var(--hivis-navy); margin-bottom: 0.4rem; }
.path-option-hint { display: block; font-size: 0.875rem; color: #555; line-height: 1.4; }
@media (max-width: 600px) { .path-options { grid-template-columns: 1fr; } }

.wizard-deep { background: var(--hivis-cream); color: var(--hivis-ink); padding: 2rem; border-radius: var(--radius-md); display: flex; flex-direction: column; gap: 1rem; }
.wizard-deep .eyebrow { color: var(--hivis-orange); }
.wizard-deep .h2 { font-family: var(--font-display); font-size: 1.75rem; text-transform: uppercase; letter-spacing: -0.02em; color: var(--hivis-navy); margin: 0; }
.wizard-deep .lede { margin: 0; color: #555; }
.wizard-deep-progress { display: flex; gap: 4px; margin-bottom: 1rem; }
.wizard-deep-progress span { flex: 1; height: 4px; background: #e5e3de; border-radius: 2px; }
.wizard-deep-progress span.is-done { background: var(--hivis-gradient); }
.wizard-deep .section-body { display: grid; gap: 0.75rem; margin: 0.5rem 0; }
.wizard-deep .section-body .field { margin: 0; }

.wizard-saved { color: #777; text-align: center; margin-top: 0.5rem; }
.link-btn { background: none; border: none; color: var(--hivis-orange); cursor: pointer; padding: 0; font: inherit; text-decoration: underline; }

.review-block { margin-bottom: 1.5rem; padding-bottom: 1.5rem; border-bottom: 1px solid #e5e3de; }
.review-block:last-of-type { border-bottom: 0; }
.review-block h3 { font-family: var(--font-display); font-size: 0.875rem; text-transform: uppercase; letter-spacing: 0.14em; color: var(--hivis-orange); margin: 0 0 0.75rem; }
.review-block dl { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem 1.5rem; margin: 0; }
.review-row dt { font-size: 0.8125rem; color: #6c7280; }
.review-row dd { font-size: 0.95rem; color: var(--hivis-ink); margin: 0; }
@media (max-width: 600px) { .review-block dl { grid-template-columns: 1fr; gap: 0.25rem; } }

/* -------------------- LOW DOC ribbon (Nathan R1) -------------------- */
/* Fixed strip above the masthead so it's always visible. Pairs with masthead
   top-offset (set on body via the .has-ribbon class) so the nav doesn't overlap. */
.lowdoc-ribbon {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 101;
  background: var(--hivis-gradient);
  color: var(--hivis-navy);
  text-align: center;
  font-family: var(--font-display);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: clamp(0.8125rem, 1.4vw, 1rem);
  padding: 0.55rem var(--gutter-x);
  line-height: 1.3;
}
.lowdoc-ribbon strong { letter-spacing: 0.04em; }
.lowdoc-ribbon .dot { display: inline-block; width: 5px; height: 5px; background: var(--hivis-navy); border-radius: 50%; margin: 0 0.6rem; vertical-align: middle; opacity: 0.7; }
body:has(.lowdoc-ribbon) .masthead { top: var(--ribbon-h, 38px); }
@media (max-width: 720px) {
  .lowdoc-ribbon .dot { display: none; }
  .lowdoc-ribbon strong,
  .lowdoc-ribbon .ribbon-bit { display: block; }
}

/* -------------------- Lender panel (Trusted by N+ Lenders) -------------------- */
.lender-panel { background: var(--hivis-cream); color: var(--hivis-ink); padding: clamp(3rem, 6vw, 4.5rem) var(--gutter-x); border-top: 1px solid var(--hivis-fog); }
.lender-panel-inner { max-width: var(--container-max); margin: 0 auto; text-align: center; }
.lender-panel h2 {
  font-family: var(--font-display); font-weight: 800; text-transform: uppercase;
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  letter-spacing: -0.02em;
  color: var(--hivis-navy);
  margin-bottom: 0.5rem;
}
.lender-panel h2 em { font-style: normal; background: var(--hivis-gradient); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.lender-panel .lede { color: #555; max-width: 38rem; margin: 0 auto 2.25rem; }
.lender-row {
  display: flex; flex-wrap: wrap; justify-content: center; align-items: center;
  gap: clamp(1.25rem, 4vw, 3rem);
  opacity: 0.75;
}
.lender-row span {
  font-family: var(--font-display); font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: clamp(0.9rem, 1.6vw, 1.125rem);
  color: var(--hivis-navy);
  white-space: nowrap;
}

/* -------------------- Reviews (Google Reviews placeholder) -------------------- */
.reviews { background: var(--hivis-fog); padding: clamp(4rem, 8vw, 6rem) var(--gutter-x); }
.reviews-inner { max-width: var(--container-max); margin: 0 auto; }
.reviews-head { text-align: center; margin-bottom: clamp(2rem, 4vw, 3rem); }
.reviews-head .stars { font-size: 1.5rem; color: var(--hivis-orange); letter-spacing: 0.15em; margin-bottom: 0.5rem; }
.reviews-head h2 { font-family: var(--font-display); font-weight: 800; text-transform: uppercase; font-size: clamp(1.75rem, 4vw, 2.75rem); letter-spacing: -0.02em; color: var(--hivis-navy); }
.reviews-head h2 em { font-style: normal; background: var(--hivis-gradient); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.reviews-head .lede { color: #555; max-width: 36rem; margin: 0.5rem auto 0; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.review-card { background: white; border-radius: var(--radius-md); padding: 1.75rem 1.5rem; box-shadow: 0 4px 16px rgba(11,18,32,0.06); display: flex; flex-direction: column; gap: 1rem; }
.review-card .stars { color: var(--hivis-orange); font-size: 1.0625rem; letter-spacing: 0.1em; }
.review-card blockquote { font-size: 0.95rem; line-height: 1.55; color: #333; margin: 0; }
.review-card .review-author { display: flex; gap: 0.75rem; align-items: center; padding-top: 1rem; border-top: 1px solid var(--hivis-fog); margin-top: auto; }
.review-card .review-avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--hivis-gradient); color: var(--hivis-navy); display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; font-size: 0.875rem; flex-shrink: 0; }
.review-card strong { display: block; color: var(--hivis-navy); font-size: 0.875rem; font-family: var(--font-display); text-transform: uppercase; letter-spacing: 0.04em; }
.review-card .review-meta { display: block; color: #888; font-size: 0.75rem; margin-top: 2px; }
@media (max-width: 860px) { .reviews-grid { grid-template-columns: 1fr; } }

/* -------------------- Footer rebuild (broc-style, Nathan R1) -------------------- */
.footer-broc { background: var(--hivis-navy); color: var(--hivis-cream); }
.footer-broc-top {
  max-width: var(--container-max); margin: 0 auto;
  padding: 2rem var(--gutter-x);
  display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center;
  gap: 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-broc-top nav { display: flex; flex-wrap: wrap; gap: 1.25rem; font-size: 0.875rem; }
.footer-broc-top nav a { color: var(--hivis-mist); transition: color var(--dur-fast) var(--ease); }
.footer-broc-top nav a:hover { color: var(--hivis-yellow); }
.footer-broc-right { display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; }
.footer-phone { font-family: var(--font-display); font-weight: 700; font-size: 1.125rem; color: var(--hivis-yellow); white-space: nowrap; }
.footer-phone:hover { color: var(--hivis-cream); }
.footer-socials { display: flex; gap: 0.5rem; }
.footer-socials a {
  width: 36px; height: 36px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--hivis-mist);
  transition: color var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease);
}
.footer-socials a:hover { color: var(--hivis-navy); background: var(--hivis-yellow); border-color: var(--hivis-yellow); }
.footer-socials svg { width: 16px; height: 16px; }

.footer-broc-cols {
  max-width: var(--container-max); margin: 0 auto;
  padding: 3rem var(--gutter-x);
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 2rem;
}
.footer-broc-cols h4 {
  font-family: var(--font-display); font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.75rem;
  color: var(--hivis-yellow);
  margin-bottom: 1rem;
}
.footer-broc-cols a {
  display: block;
  color: var(--hivis-mist);
  font-size: 0.875rem;
  padding: 0.3rem 0;
  transition: color var(--dur-fast) var(--ease);
}
.footer-broc-cols a:hover { color: var(--hivis-cream); }
.footer-broc-cols .company-block { color: var(--hivis-mist); font-size: 0.8125rem; line-height: 1.6; }
.footer-broc-cols .company-block strong { display: block; color: var(--hivis-cream); margin-bottom: 0.5rem; font-family: var(--font-display); }
.footer-broc-legal {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.5rem var(--gutter-x);
  max-width: var(--container-max);
  margin: 0 auto;
  font-size: 0.8125rem;
  color: #8a90a0;
}
@media (max-width: 1000px) { .footer-broc-cols { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .footer-broc-cols { grid-template-columns: 1fr; } .footer-broc-top { flex-direction: column; align-items: flex-start; } }

/* -------------------- CTA block -------------------- */
.cta-block { background: var(--hivis-navy); color: var(--hivis-cream); text-align: center; padding: clamp(3rem, 8vw, 6rem) var(--gutter-x); }
.cta-block h2 { font-size: clamp(2.5rem, 7vw, 5rem); line-height: 1; text-transform: uppercase; font-family: var(--font-display); font-weight: 800; letter-spacing: -0.03em; margin-bottom: 1.5rem; color: var(--hivis-cream); }
.cta-block h2 em { font-style: normal; background: var(--hivis-gradient); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }