/* CommercialRefi: institutional navy, serif display, one green action colour. */
:root {
  --navy-950: #061422;
  --navy-900: #0a1f33;
  --navy-800: #102c47;
  --navy-700: #1b3e60;
  --ink: #0d2236;
  --slate: #4a5c6e;
  --slate-on-navy: #b4c4d4;
  --rule: #d8e0e7;
  --rule-on-navy: rgba(255, 255, 255, 0.16);
  --mist: #f1f4f7;
  --paper: #ffffff;
  --green: #1c7a58;
  --green-deep: #145c42;
  --green-bright: #6fd6a8;
  --warn: #9a5b00;
  --error: #a3261c;

  --serif-display: "Libre Caslon Display", "Libre Caslon Text", Georgia, serif;
  --serif: "Libre Caslon Text", Georgia, serif;
  --sans: "Hanken Grotesk", "Helvetica Neue", Arial, sans-serif;

  --wrap: 1200px;
  --gutter: clamp(20px, 4vw, 48px);
  --section: clamp(72px, 10vw, 136px);
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scrollbar-color: var(--navy-700) var(--mist); }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  font-variant-numeric: lining-nums;
  -webkit-font-smoothing: antialiased;
}
::selection { background: var(--navy-800); color: #fff; }
img { max-width: 100%; display: block; }
a { color: inherit; text-underline-offset: 0.2em; text-decoration-thickness: 1px; }
:focus-visible { outline: 2px solid var(--green); outline-offset: 3px; border-radius: 2px; }
.on-navy :focus-visible, .site-header :focus-visible, .hero :focus-visible { outline-color: var(--green-bright); }
input, select, textarea, button { font: inherit; color: inherit; caret-color: var(--green); }

h1, h2, h3, h4 { margin: 0; font-weight: 400; text-wrap: balance; }
h1, h2 { font-family: var(--serif-display); letter-spacing: -0.012em; line-height: 1.06; }
h2 { font-size: clamp(2.1rem, 4.4vw, 3.5rem); }
h3 { font-family: var(--serif); font-size: 1.35rem; line-height: 1.25; }
p { margin: 0; }
.lede { font-size: clamp(1.1rem, 1.5vw, 1.3rem); line-height: 1.55; color: var(--slate); max-width: 62ch; }
.on-navy .lede { color: var(--slate-on-navy); }
.num { font-variant-numeric: tabular-nums lining-nums; }

.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: var(--section); }
.section--mist { background: var(--mist); }
.on-navy { background: var(--navy-900); color: #fff; }
.section-head { display: grid; gap: 20px; margin-bottom: clamp(40px, 6vw, 72px); max-width: 780px; }
.section-head--rule { border-left: 1px solid var(--navy-700); padding-left: clamp(18px, 2.4vw, 32px); }
.on-navy .section-head--rule { border-left-color: var(--green-bright); }

.skip { position: absolute; left: -9999px; top: 0; background: #fff; color: var(--ink); padding: 12px 16px; z-index: 100; }
.skip:focus { left: 12px; top: 12px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 15px 24px; min-height: 52px;
  border: 1px solid transparent; border-radius: 2px;
  font-weight: 600; font-size: 1rem; line-height: 1.2; text-decoration: none; cursor: pointer;
  transition: background-color 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
}
.btn svg { width: 18px; height: 18px; flex: none; transition: transform 0.35s var(--ease); }
.btn:hover svg { transform: translateX(4px); }
.btn--primary { background: var(--green); color: #fff; }
.btn--primary:hover { background: var(--green-deep); }
.btn--ghost { border-color: rgba(255, 255, 255, 0.55); color: #fff; }
.btn--ghost:hover { background: #fff; color: var(--navy-900); border-color: #fff; }
.btn--line { border-color: var(--navy-800); color: var(--navy-900); }
.btn--line:hover { background: var(--navy-900); color: #fff; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; }
.text-link { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; text-decoration: none; border-bottom: 1px solid currentColor; padding-bottom: 3px; }
.text-link svg { width: 16px; height: 16px; transition: transform 0.35s var(--ease); }
.text-link:hover svg { transform: translateX(4px); }

/* Header */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 50;
  color: #fff;
  transition: background-color 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.site-header.is-solid, .site-header--solid { background: var(--navy-900); box-shadow: 0 1px 0 var(--rule-on-navy); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 76px; }
.brand { display: inline-flex; align-items: baseline; text-decoration: none; font-family: var(--serif); font-size: 1.45rem; letter-spacing: -0.01em; white-space: nowrap; }
.brand b { font-weight: 700; }
.brand i { font-style: italic; font-weight: 400; color: var(--green-bright); }
.nav { display: flex; align-items: center; gap: clamp(18px, 2.4vw, 36px); }
.nav a:not(.btn) { text-decoration: none; font-size: 0.97rem; font-weight: 500; padding-block: 8px; border-bottom: 1px solid transparent; transition: border-color 0.25s var(--ease); }
.nav a:not(.btn):hover, .nav a[aria-current="page"] { border-bottom-color: var(--green-bright); }
.nav .btn { min-height: 44px; padding: 10px 18px; font-size: 0.95rem; }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; padding: 10px; cursor: pointer; color: #fff; }
.nav-toggle span { display: block; height: 2px; background: currentColor; margin-block: 5px; transition: transform 0.3s var(--ease), opacity 0.2s; }
@media (max-width: 940px) {
  .nav-toggle { display: block; }
  .nav {
    position: fixed; inset: 76px 0 0 0; background: var(--navy-900);
    flex-direction: column; align-items: stretch; gap: 0; padding: 12px var(--gutter) 32px;
    overflow-y: auto; visibility: hidden; opacity: 0; transition: opacity 0.25s var(--ease), visibility 0.25s;
  }
  .nav a:not(.btn) { padding: 18px 0; border-bottom: 1px solid var(--rule-on-navy); font-family: var(--serif); font-size: 1.4rem; }
  .nav .btn { margin-top: 24px; justify-content: center; min-height: 52px; }
  .nav-open .nav { visibility: visible; opacity: 1; }
  .nav-open .site-header { background: var(--navy-900); }
  .nav-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
  .nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

/* Hero */
.hero { position: relative; min-height: 100svh; display: grid; align-items: end; color: #fff; background: var(--navy-950); overflow: hidden; isolation: isolate; }
.hero-slides, .hero-slide { position: absolute; inset: 0; }
.hero-slide { opacity: 0; transition: opacity 1.8s ease; z-index: -2; }
.hero-slide.is-active { opacity: 1; }
.hero-slide img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.02); }
.hero-slide.is-active img, .hero-slide.is-leaving img { animation: drift 9s linear forwards; }
@keyframes drift { from { transform: scale(1.02); } to { transform: scale(1.1); } }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(180deg, rgba(6, 20, 34, 0.72) 0%, rgba(6, 20, 34, 0.28) 30%, rgba(6, 20, 34, 0.62) 68%, rgba(6, 20, 34, 0.94) 100%),
    linear-gradient(90deg, rgba(6, 20, 34, 0.7) 0%, rgba(6, 20, 34, 0) 70%);
}
.hero-inner { padding-top: 140px; padding-bottom: 36px; display: grid; gap: clamp(40px, 7vh, 80px); }
.hero-copy { max-width: 860px; display: grid; gap: 28px; }
.hero h1 { font-size: clamp(2.7rem, 7vw, 5.6rem); line-height: 1.02; }
.hero-sub { font-size: clamp(1.1rem, 1.6vw, 1.35rem); line-height: 1.5; max-width: 58ch; color: #e6edf3; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-assure { display: flex; flex-wrap: wrap; gap: 8px 28px; font-size: 0.98rem; color: #dbe5ee; padding: 0; margin: 0; list-style: none; }
.hero-assure li { display: inline-flex; align-items: center; gap: 10px; }
.hero-assure svg { width: 16px; height: 16px; color: var(--green-bright); flex: none; }

.hero-index { display: flex; align-items: stretch; gap: 0; border-top: 1px solid var(--rule-on-navy); }
.hero-index button {
  flex: 1 1 0; min-width: 0; text-align: left; background: none; border: 0; cursor: pointer; color: #b9c8d6;
  padding: 16px 16px 6px 0; font-size: 0.92rem; font-weight: 500; position: relative; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
  transition: color 0.3s var(--ease);
}
.hero-index button::before { content: ""; position: absolute; left: 0; top: -1px; height: 2px; width: 100%; transform: scaleX(0); transform-origin: left; background: var(--green-bright); }
.hero-index button.is-active { color: #fff; }
.hero-index button.is-active::before { transform: scaleX(1); transition: transform var(--slide-ms, 7000ms) linear; }
.hero-index button:hover { color: #fff; }
.hero-index .hero-pause { flex: 0 0 auto; padding: 12px 0 6px 12px; display: inline-flex; align-items: center; gap: 8px; }
.hero-index .hero-pause::before { display: none; }
.hero-pause svg { width: 14px; height: 14px; }
.is-paused .hero-index button.is-active::before { transition: none; transform: scaleX(1); }
.is-paused .hero-slide.is-active img { animation-play-state: paused; }
@media (max-width: 720px) {
  .hero-index button:not(.is-active):not(.hero-pause) { flex: 0 0 30px; min-height: 44px; font-size: 0; padding-right: 6px; }
  .hero-index button:not(.is-active):not(.hero-pause)::after { content: ""; position: absolute; left: 0; top: 22px; width: 18px; height: 2px; background: currentColor; }
}

/* Lender ticker */
.ticker { background: var(--navy-950); color: #fff; border-top: 1px solid var(--rule-on-navy); display: grid; grid-template-columns: auto 1fr; align-items: stretch; }
.ticker-label { padding: 20px 28px 20px var(--gutter); font-size: 0.9rem; font-weight: 600; color: var(--green-bright); display: flex; align-items: center; gap: 12px; background: var(--navy-950); border-right: 1px solid var(--rule-on-navy); z-index: 1; white-space: nowrap; }
.ticker-viewport { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 48px, #000 calc(100% - 64px), transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 48px, #000 calc(100% - 64px), transparent); }
.ticker-track { display: flex; width: max-content; animation: ticker 60s linear infinite; }
.ticker:hover .ticker-track, .ticker:focus-within .ticker-track { animation-play-state: paused; }
.ticker-track ul { display: flex; margin: 0; padding: 0; list-style: none; }
.ticker-track li { padding: 20px 0; font-family: var(--serif); font-size: 1.12rem; white-space: nowrap; display: inline-flex; align-items: center; }
.ticker-track li::after { content: ""; width: 5px; height: 5px; background: var(--green-bright); transform: rotate(45deg); margin-inline: 34px; opacity: 0.8; }
.ticker-track li.is-placeholder { color: #8fa3b6; font-style: italic; }
@keyframes ticker { to { transform: translateX(-50%); } }
.ticker-note { grid-column: 1 / -1; border-top: 1px dashed rgba(255, 255, 255, 0.3); padding: 10px var(--gutter); font-size: 0.85rem; color: #f3cf8a; background: #1a1608; }
@media (max-width: 720px) {
  .ticker { grid-template-columns: 1fr; }
  .ticker-label { border-right: 0; padding-bottom: 0; }
}

/* Statement + figures */
.statement { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(32px, 6vw, 96px); align-items: start; }
.statement-big { font-family: var(--serif-display); font-size: clamp(1.7rem, 3.1vw, 2.6rem); line-height: 1.2; letter-spacing: -0.01em; }
.statement-big em { font-style: normal; color: var(--green); }
.statement-side { display: grid; gap: 20px; color: var(--slate); padding-top: 10px; }
.figures { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); margin: clamp(48px, 7vw, 88px) 0 0; padding: 0; border-top: 1px solid var(--navy-900); }
.figures > div { padding: 28px 24px 0 0; }
.figures > div + div { padding-left: 24px; border-left: 1px solid var(--rule); }
.figures dt { font-family: var(--serif-display); font-size: clamp(2.2rem, 4.2vw, 3.6rem); line-height: 1; color: var(--navy-900); }
.figures dd { margin: 12px 0 0; color: var(--slate); font-size: 0.98rem; line-height: 1.45; max-width: 24ch; }
@media (max-width: 860px) {
  .statement { grid-template-columns: 1fr; }
  .figures { grid-template-columns: 1fr 1fr; }
  .figures > div { padding: 24px 16px 24px 0; }
  .figures > div + div { padding-left: 0; border-left: 0; }
  .figures > div:nth-child(even) { padding-left: 20px; border-left: 1px solid var(--rule); }
  .figures > div:nth-child(n + 3) { border-top: 1px solid var(--rule); }
}

/* Refinance feature */
.feature { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
.feature-media { position: relative; min-height: 520px; }
.feature-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.feature-body { padding: clamp(48px, 7vw, 104px) var(--gutter) clamp(48px, 7vw, 104px) clamp(28px, 6vw, 96px); display: grid; gap: 28px; align-content: center; max-width: 720px; }
.feature-body h2 { font-size: clamp(2rem, 3.6vw, 3rem); }
.reasons { margin: 8px 0 0; padding: 0; list-style: none; border-top: 1px solid var(--rule-on-navy); }
.reasons li { padding: 20px 0; border-bottom: 1px solid var(--rule-on-navy); display: grid; gap: 6px; }
.reasons strong { font-family: var(--serif); font-weight: 400; font-size: 1.2rem; }
.reasons span { color: var(--slate-on-navy); font-size: 0.99rem; }
.also { color: var(--slate-on-navy); font-size: 0.98rem; }
.also a { color: #fff; }
@media (max-width: 900px) {
  .feature { grid-template-columns: 1fr; }
  .feature-media { min-height: 0; aspect-ratio: 16 / 10; }
  .feature-body { padding-left: var(--gutter); }
}

/* Asset classes */
.assets { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 12px; }
.asset { position: relative; overflow: hidden; background: var(--navy-900); color: #fff; min-height: 260px; display: flex; align-items: flex-end; grid-column: span 4; }
.asset--lead { grid-column: span 8; grid-row: span 2; min-height: 540px; }
.asset img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.asset:hover img { transform: scale(1.04); }
.asset::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(6, 20, 34, 0) 15%, rgba(6, 20, 34, 0.66) 55%, rgba(6, 20, 34, 0.94) 100%); }
.asset-text { position: relative; z-index: 1; padding: 24px; display: grid; gap: 6px; }
.asset-text h3 { font-size: 1.5rem; }
.asset--lead .asset-text h3 { font-family: var(--serif-display); font-size: clamp(2rem, 3.4vw, 2.8rem); }
.asset-text p { font-size: 0.95rem; color: #dbe5ee; max-width: 46ch; }
.assets-more { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--rule); display: flex; flex-wrap: wrap; gap: 8px 12px; align-items: baseline; color: var(--slate); }
.assets-more strong { color: var(--ink); font-weight: 600; margin-right: 8px; }
.assets-more span:not(:last-child)::after { content: "/"; margin-left: 12px; color: var(--rule); }
@media (max-width: 900px) {
  .asset, .asset--lead { grid-column: span 12; min-height: 240px; }
  .asset--lead { min-height: 360px; }
}
@media (min-width: 560px) and (max-width: 900px) { .asset:not(.asset--lead) { grid-column: span 6; } }

/* Timeline */
.scale { position: relative; margin-bottom: clamp(48px, 6vw, 72px); }
.scale-bands { display: grid; gap: 14px; }
.band { display: grid; grid-template-columns: 190px 1fr; align-items: center; gap: 20px; font-size: 0.97rem; }
.band-track { position: relative; height: 34px; background: var(--paper); border: 1px solid var(--rule); }
.band-fill { position: absolute; top: -1px; bottom: -1px; background: var(--navy-900); color: #fff; display: flex; align-items: center; padding-inline: 12px; font-weight: 600; font-size: 0.9rem; white-space: nowrap; transform-origin: left; }
.band-fill--small { background: var(--green); }
.scale-axis { margin-left: 210px; position: relative; height: 30px; margin-top: 10px; border-top: 1px solid var(--navy-900); font-size: 0.85rem; color: var(--slate); }
.scale-axis span { position: absolute; top: 8px; transform: translateX(-50%); white-space: nowrap; }
.scale-axis span::before { content: ""; position: absolute; left: 50%; top: -8px; height: 6px; width: 1px; background: var(--navy-900); }
.scale-axis span:first-child { transform: none; }
.scale-axis span:first-child::before { left: 0; }
.scale-axis span:last-child { transform: translateX(-100%); }
.scale-axis span:last-child::before { left: 100%; }
.reveal .band-fill { clip-path: inset(0 100% 0 0); }
.reveal.is-in .band-fill { clip-path: inset(0 0 0 0); transition: clip-path 1.4s var(--ease) 0.15s; }
.reveal.is-in .band + .band .band-fill { transition-delay: 0.4s; }
@media (max-width: 720px) {
  .band { grid-template-columns: 1fr; gap: 6px; }
  .scale-axis { margin-left: 0; }
}

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--navy-900); counter-reset: step; }
.steps li { counter-increment: step; padding: 28px 28px 32px 0; border-bottom: 1px solid var(--rule); display: grid; gap: 10px; align-content: start; }
.steps li:not(:nth-child(3n + 1)) { padding-left: 28px; border-left: 1px solid var(--rule); }
.steps li::before { content: counter(step, decimal-leading-zero); color: #6b7f91; font-size: 0.9rem; font-weight: 600; font-variant-numeric: tabular-nums; }
.step-when { font-size: 0.92rem; font-weight: 600; color: var(--green-deep); }
.steps h3 { font-size: 1.28rem; }
.steps p { color: var(--slate); font-size: 0.98rem; }
.steps li.is-key { background: var(--paper); padding-left: 28px; box-shadow: inset 0 3px 0 var(--green); }
.timeline-note { margin-top: 28px; color: var(--slate); font-size: 0.95rem; max-width: 70ch; }
@media (max-width: 900px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .steps li:not(:nth-child(3n + 1)) { padding-left: 0; border-left: 0; }
  .steps li:nth-child(even) { padding-left: 24px; border-left: 1px solid var(--rule); }
  .steps li.is-key { padding-left: 24px; }
}
@media (max-width: 560px) {
  .steps { grid-template-columns: 1fr; }
  .steps li:nth-child(even) { padding-left: 0; border-left: 0; }
  .steps li.is-key { padding-left: 20px; }
}

/* Tools on the landing page */
.tools-grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(32px, 5vw, 80px); align-items: start; }
.tool-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--navy-900); }
.tool-list a { display: grid; grid-template-columns: 1fr auto; gap: 4px 20px; padding: 22px 0; border-bottom: 1px solid var(--rule); text-decoration: none; align-items: center; }
.tool-list a strong { transition: color 0.25s var(--ease); }
.tool-list svg { transition: transform 0.35s var(--ease); }
.tool-list a:hover strong { color: var(--green-deep); }
.tool-list a:hover svg { transform: translateX(5px); }
.tool-list strong { font-family: var(--serif); font-weight: 400; font-size: 1.28rem; }
.tool-list span { grid-column: 1; color: var(--slate); font-size: 0.96rem; }
.tool-list svg { grid-row: 1 / span 2; grid-column: 2; width: 20px; height: 20px; color: var(--green); }
@media (max-width: 900px) { .tools-grid { grid-template-columns: 1fr; } }

/* Calculator panel */
.calc { background: var(--paper); border: 1px solid var(--rule); box-shadow: 0 24px 48px -28px rgba(10, 31, 51, 0.35); }
.calc-head { padding: 22px 28px; border-bottom: 1px solid var(--rule); display: flex; justify-content: space-between; align-items: baseline; gap: 16px; flex-wrap: wrap; }
.calc-head h3 { font-size: 1.3rem; }
.calc-head p { color: var(--slate); font-size: 0.92rem; }
.calc-body { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
.calc-body--stack { grid-template-columns: 1fr; }
.calc-inputs { padding: 28px; display: grid; gap: 18px; align-content: start; }
.calc-inputs fieldset { border: 0; margin: 0; padding: 0; display: grid; gap: 18px; }
.calc-inputs legend { font-family: var(--serif); font-size: 1.1rem; padding: 0; margin-bottom: 14px; }
.calc-inputs fieldset + fieldset { padding-top: 22px; border-top: 1px solid var(--rule); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; }
.field label { font-size: 0.9rem; font-weight: 600; color: var(--ink); }
.field .hint { font-size: 0.84rem; color: var(--slate); }
.input { position: relative; display: flex; align-items: center; }
.input input, .input select, .field textarea, .field > select, .field > input {
  width: 100%; min-height: 48px; padding: 10px 14px; background: var(--paper); border: 1px solid #a9b6c2; border-radius: 2px;
  font-variant-numeric: tabular-nums lining-nums; transition: border-color 0.2s, box-shadow 0.2s;
}
.field textarea { min-height: 120px; resize: vertical; line-height: 1.5; }
.input input:hover, .field textarea:hover, .field > select:hover, .field > input:hover { border-color: var(--navy-700); }
.input input:focus, .field textarea:focus, .field > select:focus, .field > input:focus { outline: 0; border-color: var(--green); box-shadow: 0 0 0 3px rgba(28, 122, 88, 0.2); }
.input .pre, .input .suf { position: absolute; color: var(--slate); font-size: 0.95rem; pointer-events: none; }
.input .pre { left: 14px; }
.input .suf { right: 14px; }
.input.has-pre input { padding-left: 28px; }
.input.has-suf input { padding-right: 44px; }
.field.is-invalid input { border-color: var(--error); }
.field .err { font-size: 0.85rem; color: var(--error); }
.calc-out { background: var(--navy-900); color: #fff; padding: 28px; display: grid; gap: 22px; align-content: start; }
.out-main { display: grid; gap: 6px; padding-bottom: 22px; border-bottom: 1px solid var(--rule-on-navy); }
.out-main .k { font-size: 0.92rem; color: var(--slate-on-navy); }
.out-main .v { font-family: var(--serif-display); font-size: clamp(2.4rem, 4.6vw, 3.4rem); line-height: 1; font-variant-numeric: tabular-nums lining-nums; }
.out-list { margin: 0; display: grid; gap: 0; }
.out-list > div { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid var(--rule-on-navy); align-items: baseline; }
.out-list dt { color: var(--slate-on-navy); font-size: 0.95rem; }
.out-list dd { margin: 0; font-weight: 600; font-variant-numeric: tabular-nums lining-nums; text-align: right; }
.verdict { font-size: 0.95rem; line-height: 1.5; color: #dbe5ee; padding: 14px 16px; border: 1px solid var(--rule-on-navy); }
.verdict[data-tone="good"] { border-color: var(--green-bright); }
.verdict[data-tone="warn"] { border-color: #e8b455; }
.verdict[data-tone="bad"] { border-color: #f08a7e; }
.calc-foot { padding: 16px 28px; border-top: 1px solid var(--rule); font-size: 0.85rem; color: var(--slate); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; align-items: center; }
@media (max-width: 760px) {
  .calc-body { grid-template-columns: 1fr; }
  .calc-inputs, .calc-out { padding: 22px 20px; }
  .calc-head, .calc-foot { padding-inline: 20px; }
}
@media (max-width: 420px) { .field-row { grid-template-columns: 1fr; } }

/* Inquiry */
.inquiry { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(32px, 6vw, 96px); align-items: start; }
.inquiry h2 { font-size: clamp(2.2rem, 4.4vw, 3.6rem); }
.inquiry-points { list-style: none; margin: 32px 0 0; padding: 0; border-top: 1px solid var(--rule-on-navy); }
.inquiry-points li { padding: 18px 0; border-bottom: 1px solid var(--rule-on-navy); display: grid; grid-template-columns: 24px 1fr; gap: 14px; color: #dbe5ee; }
.inquiry-points svg { width: 18px; height: 18px; color: var(--green-bright); margin-top: 4px; }
.form { background: var(--paper); color: var(--ink); padding: clamp(24px, 3.4vw, 40px); display: grid; gap: 18px; }
.form .btn { justify-self: start; }
.form-note { font-size: 0.86rem; color: var(--slate); }
.form-status { padding: 14px 16px; font-size: 0.95rem; border: 1px solid var(--rule); display: none; }
.form-status.is-shown { display: block; }
.form-status[data-tone="ok"] { border-color: var(--green); background: #eef7f2; }
.form-status[data-tone="warn"] { border-color: #d9a441; background: #fdf6e7; color: #5c3a00; }
.form-status[data-tone="error"] { border-color: var(--error); background: #fbeeec; color: var(--error); }
.hp { position: absolute; left: -9999px; }
@media (max-width: 900px) { .inquiry { grid-template-columns: 1fr; } }

/* Footer */
.site-footer { background: var(--navy-950); color: var(--slate-on-navy); padding-block: 64px 36px; font-size: 0.94rem; }
.footer-top { display: grid; grid-template-columns: minmax(0, 2fr) repeat(3, minmax(0, 1fr)); gap: 40px; padding-bottom: 48px; border-bottom: 1px solid var(--rule-on-navy); }
.site-footer .brand { color: #fff; font-size: 1.6rem; }
.footer-top p { margin-top: 16px; max-width: 36ch; }
.footer-col h4 { font-family: var(--sans); font-weight: 600; font-size: 0.92rem; color: #fff; margin-bottom: 14px; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-col a { text-decoration: none; }
.footer-col a:hover { color: #fff; text-decoration: underline; }
.footer-legal { padding-top: 28px; display: grid; gap: 14px; font-size: 0.85rem; line-height: 1.55; max-width: 100ch; }
.pending { color: #f3cf8a; }
@media (max-width: 860px) { .footer-top { grid-template-columns: 1fr 1fr; } .footer-top > :first-child { grid-column: 1 / -1; } }

/* Inner pages */
.page-head { background: var(--navy-900); color: #fff; padding: calc(76px + clamp(56px, 8vw, 104px)) 0 clamp(48px, 7vw, 88px); }
.page-head h1 { font-size: clamp(2.5rem, 5.6vw, 4.4rem); max-width: 18ch; }
.page-head .lede { margin-top: 22px; }
.subnav { position: sticky; top: 76px; z-index: 20; background: var(--paper); border-bottom: 1px solid var(--rule); }
.subnav .wrap { display: flex; gap: 28px; overflow-x: auto; scrollbar-width: none; }
.subnav a { padding: 16px 0; white-space: nowrap; text-decoration: none; font-size: 0.95rem; font-weight: 600; color: var(--slate); border-bottom: 2px solid transparent; }
.subnav a:hover, .subnav a.is-current { color: var(--navy-900); border-bottom-color: var(--green); }
.tool { padding-block: clamp(56px, 8vw, 104px); border-bottom: 1px solid var(--rule); scroll-margin-top: 130px; }
.tool-intro { display: grid; gap: 16px; max-width: 760px; margin-bottom: 36px; }
.tool-intro h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); }
.tool-intro p { color: var(--slate); }
.explain { margin-top: 28px; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 28px 48px; color: var(--slate); font-size: 0.97rem; }
.explain h4 { font-family: var(--serif); font-size: 1.1rem; color: var(--ink); margin-bottom: 6px; }
.table-wrap { overflow-x: auto; border-top: 1px solid var(--rule); }
table.sched { width: 100%; border-collapse: collapse; font-size: 0.92rem; font-variant-numeric: tabular-nums lining-nums; min-width: 520px; }
table.sched th, table.sched td { padding: 10px 28px 10px 0; text-align: right; border-bottom: 1px solid var(--rule); }
table.sched th:first-child, table.sched td:first-child { text-align: left; padding-left: 28px; }
table.sched thead th { font-weight: 600; color: var(--slate); background: var(--mist); }
details.sched-toggle summary { cursor: pointer; padding: 16px 28px; font-weight: 600; font-size: 0.95rem; list-style: none; display: flex; align-items: center; gap: 10px; border-top: 1px solid var(--rule); }
details.sched-toggle summary::-webkit-details-marker { display: none; }
details.sched-toggle summary svg { width: 14px; height: 14px; transition: transform 0.3s var(--ease); }
details.sched-toggle[open] summary svg { transform: rotate(90deg); }

.downloads { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--navy-900); }
.download { padding: 32px 32px 36px 0; border-bottom: 1px solid var(--rule); display: grid; gap: 14px; align-content: start; }
.download:nth-child(even) { padding-left: 32px; border-left: 1px solid var(--rule); }
.download p { color: var(--slate); }
.download ul { margin: 0; padding-left: 18px; color: var(--slate); font-size: 0.96rem; display: grid; gap: 4px; }
.download .actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
@media (max-width: 760px) { .downloads { grid-template-columns: 1fr; } .download:nth-child(even) { padding-left: 0; border-left: 0; } }

.checklist { columns: 2; column-gap: 56px; margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--navy-900); padding-top: 8px; }
.checklist li { break-inside: avoid; padding: 13px 0; border-bottom: 1px solid var(--rule); display: grid; grid-template-columns: 22px 1fr; gap: 12px; }
.checklist li::before { content: ""; width: 14px; height: 14px; border: 1.5px solid var(--navy-700); margin-top: 6px; }
@media (max-width: 760px) { .checklist { columns: 1; } }

.faq-group { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: clamp(24px, 5vw, 80px); padding-block: clamp(40px, 6vw, 72px); border-bottom: 1px solid var(--rule); }
.faq-group h2 { font-size: clamp(1.7rem, 2.8vw, 2.3rem); position: sticky; top: 110px; align-self: start; }
.faq-list { border-top: 1px solid var(--navy-900); }
.faq-list details { border-bottom: 1px solid var(--rule); }
.faq-list summary { cursor: pointer; list-style: none; padding: 22px 44px 22px 0; font-family: var(--serif); font-size: 1.2rem; line-height: 1.35; position: relative; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: ""; position: absolute; right: 6px; top: 30px; width: 12px; height: 12px; border-right: 1.5px solid var(--green); border-bottom: 1.5px solid var(--green); transform: rotate(45deg); transition: transform 0.3s var(--ease); }
.faq-list details[open] summary::after { transform: rotate(-135deg); top: 36px; }
.faq-list .a { padding: 0 0 26px; color: var(--slate); max-width: 68ch; display: grid; gap: 12px; }
@media (max-width: 800px) { .faq-group { grid-template-columns: 1fr; } .faq-group h2 { position: static; } }

.cta-band { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); max-width: 20ch; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition-duration: 0.01ms !important; }
  .ticker-viewport { overflow-x: auto; }
  .reveal .band-fill { clip-path: none; }
}
@media print {
  .site-header, .site-footer, .subnav, .hero-index, .ticker { display: none; }
  .page-head { background: none; color: #000; padding: 0 0 24px; }
}

/* Index rates board */
.rates { background: var(--navy-950); color: #fff; border-top: 1px solid var(--rule-on-navy); }
.rates-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px 32px; flex-wrap: wrap; padding-block: 26px 18px; }
.rates-head h2 { font-family: var(--serif); font-size: 1.3rem; letter-spacing: 0; }
.rates-head p { color: var(--slate-on-navy); font-size: 0.92rem; }
.rates-grid { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); border-top: 1px solid var(--rule-on-navy); }
.rate { padding: 22px 20px 24px 0; display: grid; gap: 6px; align-content: start; }
.rate + .rate { padding-left: 20px; border-left: 1px solid var(--rule-on-navy); }
.rate-k { font-size: 0.9rem; color: var(--slate-on-navy); font-weight: 500; }
.rate-v { font-family: var(--serif-display); font-size: clamp(1.8rem, 2.8vw, 2.5rem); line-height: 1.05; font-variant-numeric: tabular-nums lining-nums; }
.rate-d { font-size: 0.85rem; color: var(--slate-on-navy); font-variant-numeric: tabular-nums; min-height: 1.3em; }
.rate-d[data-dir="up"] { color: #f2b0a6; }
.rate-d[data-dir="down"] { color: var(--green-bright); }
.rates-foot { border-top: 1px solid var(--rule-on-navy); padding-block: 14px 18px; font-size: 0.84rem; color: #9db0c2; line-height: 1.5; }
.rates-foot a { color: #dbe5ee; }
.rates--light { background: var(--paper); color: var(--ink); border: 1px solid var(--rule); }
.rates--light .rates-grid, .rates--light .rates-foot { border-top-color: var(--rule); }
.rates--light .rate + .rate { border-left-color: var(--rule); }
.rates--light .rate-k, .rates--light .rate-d, .rates--light .rates-foot { color: var(--slate); }
.rates--light .rate-d[data-dir="up"] { color: var(--error); }
.rates--light .rate-d[data-dir="down"] { color: var(--green-deep); }
.rates--light .rates-foot a { color: var(--ink); }
.rates--light .rates-grid, .rates--light .rates-foot { padding-inline: 28px; }
@media (max-width: 980px) {
  .rates-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .rate:nth-child(4) { padding-left: 0; border-left: 0; }
  .rate:nth-child(n + 4) { border-top: 1px solid var(--rule-on-navy); }
  .rates--light .rate:nth-child(n + 4) { border-top-color: var(--rule); }
}
@media (max-width: 520px) {
  .rates-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rate:nth-child(n) { padding-left: 16px; border-left: 1px solid var(--rule-on-navy); }
  .rate:nth-child(odd) { padding-left: 0; border-left: 0; }
  .rate:nth-child(n + 3) { border-top: 1px solid var(--rule-on-navy); }
  .rates--light .rate:nth-child(n + 3) { border-top-color: var(--rule); }
}

/* Resource library on the landing page */
.library { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--navy-900); margin-top: clamp(48px, 6vw, 80px); }
.library a { display: grid; gap: 8px; padding: 26px 26px 30px 0; border-bottom: 1px solid var(--rule); text-decoration: none; align-content: start; position: relative; transition: background-color 0.3s var(--ease); }
.library a:not(:nth-child(3n + 1)) { padding-left: 26px; border-left: 1px solid var(--rule); }
.library a:hover { background: var(--paper); }
.library a:nth-child(3n + 1):hover { box-shadow: -26px 0 0 var(--paper); }
.library .kind { font-size: 0.85rem; color: var(--slate); margin-top: 4px; }
.library strong { font-family: var(--serif); font-weight: 400; font-size: 1.28rem; line-height: 1.25; }
.library span.d { color: var(--slate); font-size: 0.95rem; }
@media (max-width: 900px) {
  .library { grid-template-columns: 1fr 1fr; }
  .library a:not(:nth-child(3n + 1)) { padding-left: 0; border-left: 0; }
  .library a:nth-child(even) { padding-left: 22px; border-left: 1px solid var(--rule); }
  .library a:nth-child(3n + 1):hover { box-shadow: none; }
}
@media (max-width: 560px) {
  .library { grid-template-columns: 1fr; }
  .library a:nth-child(even) { padding-left: 0; border-left: 0; }
}

.page-head .lede { color: var(--slate-on-navy); }
.band > span b { font-weight: 600; display: none; }
@media (max-width: 720px) {
  .band > span b { display: inline; }
  .band-fill { font-size: 0; padding: 0; }
}

.figures dt.figures-words { font-family: var(--serif); font-size: clamp(1.15rem, 1.7vw, 1.45rem); line-height: 1.3; }

/* Asset grid bottom row of four; acquisition and construction band; grouped form */
.asset.asset--row { grid-column: span 3; }
@media (max-width: 900px) { .asset.asset--row { grid-column: span 12; } }
@media (min-width: 560px) and (max-width: 900px) { .asset.asset--row { grid-column: span 6; } }
.also-loans { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-bottom: 1px solid var(--rule-on-navy); margin-top: -28px; }
.also-loans > div { padding: 22px 24px 24px 0; display: grid; gap: 6px; align-content: start; }
.also-loans > div + div { padding-left: 24px; border-left: 1px solid var(--rule-on-navy); }
.also-loans h3 { font-size: 1.2rem; }
.also-loans p { color: var(--slate-on-navy); font-size: 0.97rem; }
@media (max-width: 520px) { .also-loans { grid-template-columns: 1fr; } .also-loans > div + div { padding-left: 0; border-left: 0; border-top: 1px solid var(--rule-on-navy); } }
.form fieldset { border: 0; margin: 0; padding: 0; display: grid; gap: 18px; min-width: 0; }
.form fieldset + fieldset { padding-top: 24px; border-top: 1px solid var(--rule); }
.form legend { font-family: var(--serif); font-size: 1.2rem; padding: 0; margin-bottom: 14px; }
.form [hidden] { display: none; }