/* Layout concept: "Ridge line", matched to freedomlegacy.com: logo navy bands, teal accents, orange calls to action, terraced contour lines echoing the Orchard Hills hillsides. Light theme by design, same as the main FLL site. */
:root{
  --ink:#0F2C6B;        /* logo navy */
  --ink-2:#1B4590;
  --brass:#0A8EA6;      /* logo teal, accents */
  --brass-soft:#E1F2F5;
  --orange:#F5A300;     /* logo "Lending" orange, calls to action */
  --orange-2:#DB9000;
  --paper:#F3F6FA;
  --card:#FFFFFF;
  --line:#D2DCE8;
  --muted:#556073;
  --fg:#1A2233;
  --on-ink:#EEF3FA;
  --on-ink-muted:#AFC2E0;
  --hero-accent:#7FD3E0;
  --ok:#2F7A4F;
  --font-display:"Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --font-body:"Figtree", "Segoe UI", system-ui, -apple-system, sans-serif;
  --radius:10px;
  --max:1120px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--fg);font-family:var(--font-body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:inherit}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(16px, env(safe-area-inset-left, 0px));padding-right:max(16px, env(safe-area-inset-right, 0px))}
h1,h2,h3{font-family:var(--font-display);font-weight:700;letter-spacing:-.015em;line-height:1.15;text-wrap:balance;margin:0}
h1{font-size:clamp(2.2rem,5.2vw,3.6rem);letter-spacing:-.01em}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem)}
h3{font-size:1.35rem}
p{margin:0}
.eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--brass)}
.lede{font-size:1.15rem;color:var(--muted);max-width:62ch}
.muted{color:var(--muted)}

/* Header */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--card)}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:9;background:var(--card);color:var(--fg);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px 16px;padding-block:10px;flex-wrap:wrap}
.logo-link{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo-link img{height:42px;width:auto;display:block}
.logo-link span{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--brass);border-left:1px solid var(--line);padding-left:12px;line-height:1.3}
@media (max-width:520px){.logo-link img{height:44px}.logo-link span{display:none}}
.brand{display:flex;flex-direction:column;text-decoration:none;line-height:1.1}
.brand b{font-family:var(--font-display);font-weight:700;font-size:1.35rem;letter-spacing:.01em}
.brand span{font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--brass)}
.nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.nav a{text-decoration:none;font-size:.95rem;font-weight:500;padding:8px 12px;border-radius:6px;color:var(--muted)}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);background:var(--brass-soft)}
.nav a.btn-nav{background:var(--orange);color:var(--ink);font-weight:700}
.nav a.btn-nav:hover{background:var(--orange-2);color:var(--ink)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem var(--font-body);padding:14px 22px;border-radius:8px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--orange);color:var(--ink)}
.btn-primary:hover{background:var(--orange-2)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:var(--on-ink)}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-outline{border-color:var(--line);color:var(--fg);background:var(--card)}

/* Hero */
.hero{background:var(--ink);color:var(--on-ink);position:relative;overflow:hidden}
.hero .wrap{position:relative;z-index:1;padding-block:72px 64px;display:grid;gap:22px}
.hero .lede{color:var(--on-ink-muted)}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero .eyebrow,.cta .eyebrow{color:var(--hero-accent)}
.ridge{position:absolute;inset:auto 0 0 0;width:100%;height:260px;z-index:0;opacity:.5;pointer-events:none}
.ridge path{fill:none;stroke:var(--hero-accent);stroke-width:1}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
.range-strip{display:flex;gap:28px;flex-wrap:wrap;margin-top:18px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12)}
.range-strip div{display:flex;flex-direction:column}
.range-strip b{font-family:var(--font-display);font-weight:700;font-size:1.7rem;color:var(--on-ink);font-variant-numeric:tabular-nums}
.range-strip span{font-size:.82rem;color:var(--on-ink-muted)}

.page-hero .wrap{padding-block:56px 48px}

/* Sections */
section{padding-block:72px}
.section-head{display:grid;gap:12px;margin-bottom:36px;max-width:760px}
.band{background:var(--card);border-block:1px solid var(--line)}

/* Program tiles */
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr))}
.tile{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px;min-width:0}
.tile .amt{font-size:.8rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--brass)}
.tile p{color:var(--muted)}
.tile a.more{margin-top:auto;font-weight:600;text-decoration:none;color:var(--fg);border-bottom:1px solid var(--brass);align-self:flex-start;padding-bottom:2px}

/* Neighborhood chips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{border:1px solid var(--line);background:var(--card);border-radius:999px;padding:7px 14px;font-size:.9rem}
.chip.city{border-color:var(--brass);background:var(--brass-soft)}

/* Why list */
.why{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.why div{border-top:2px solid var(--brass);padding-top:16px;display:grid;gap:8px}
.why h3{font-size:1.2rem}
.why p{color:var(--muted)}

/* Program detail */
.program{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:36px;padding-block:44px;border-top:1px solid var(--line)}
.program:first-of-type{border-top:0}
.program .who{display:grid;gap:12px;align-content:start}
.program ul{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.program li{padding-left:22px;position:relative}
.program li::before{content:"";position:absolute;left:0;top:.62em;width:10px;height:2px;background:var(--brass)}
@media (max-width:760px){.program{grid-template-columns:1fr;gap:18px}}

/* FAQ */
.faq{display:grid;gap:10px;max-width:820px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.faq summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";color:var(--brass);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin-top:12px;color:var(--muted)}

/* CTA band */
.cta{background:var(--ink);color:var(--on-ink)}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta p{color:var(--on-ink-muted);max-width:56ch;margin-top:8px}

/* Calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;align-items:start}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:grid;gap:16px;min-width:0}
.field{display:grid;gap:6px}
.field label{font-size:.85rem;font-weight:600}
.field .hint{font-size:.78rem;color:var(--muted)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:420px){.row2{grid-template-columns:1fr}}
input,select,textarea{font:inherit;color:var(--fg);background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:11px 12px;width:100%;min-width:0}
input:focus,select:focus,textarea:focus{outline:2px solid var(--brass);outline-offset:1px}
.seg{display:flex;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.seg button{flex:1;font:600 .9rem var(--font-body);padding:10px;border:0;background:var(--paper);color:var(--muted);cursor:pointer}
.seg button[aria-pressed="true"]{background:var(--ink);color:var(--on-ink)}
.result-total{display:grid;gap:4px;padding-bottom:16px;border-bottom:1px solid var(--line)}
.result-total b{font-family:var(--font-display);font-weight:700;font-size:2.6rem;font-variant-numeric:tabular-nums;line-height:1.1}
.tier{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 10px;border-radius:999px;background:var(--brass-soft);color:var(--fg);border:1px solid var(--brass);justify-self:start}
.lines{display:grid;gap:10px}
.lines div{display:flex;justify-content:space-between;gap:12px;font-variant-numeric:tabular-nums}
.lines div span:first-child{color:var(--muted)}
.lines div.strong{font-weight:700;border-top:1px solid var(--line);padding-top:10px}
.fine{font-size:.78rem;color:var(--muted)}

/* Form */
.form-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:28px;align-items:start}
@media (max-width:860px){.form-grid{grid-template-columns:1fr}}
fieldset{border:0;padding:0;margin:0;display:grid;gap:14px}
legend{font-family:var(--font-display);font-weight:700;font-size:1.25rem;margin-bottom:6px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted)}
.check input{width:auto;margin-top:4px}
.hidden-field{position:absolute;left:-9999px}
.contact-card{display:grid;gap:14px}
.contact-card .line{display:grid;gap:2px}
.contact-card .line span{font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.contact-card .line b{font-weight:600;user-select:all}
.thanks{background:var(--brass-soft);border:1px solid var(--brass);border-radius:var(--radius);padding:22px;display:grid;gap:8px}

/* Footer */
.site-footer{background:var(--ink);color:var(--on-ink-muted);font-size:.85rem}
.site-footer .wrap{padding-block:48px 36px;display:grid;gap:28px}
.foot-top{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.foot-top .brand b{color:var(--on-ink)}
.foot-links{display:flex;gap:18px;flex-wrap:wrap}
.foot-links a{text-decoration:none}
.foot-links a:hover{color:var(--on-ink)}
.disclose{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:grid;gap:8px;line-height:1.55}
.ehl{display:inline-flex;align-items:center;gap:8px;color:var(--on-ink)}
.ehl svg{width:22px;height:22px}

/* Headshot + meet your lender */
.headshot{width:100%;max-width:220px;aspect-ratio:4/5;object-fit:cover;border-radius:var(--radius);border:1px solid var(--line);display:block}
.meet{display:grid;grid-template-columns:auto minmax(0,1fr);gap:32px;align-items:center}
.meet .headshot{max-width:200px}
@media (max-width:640px){.meet{grid-template-columns:1fr}}
.contact-card .headshot{max-width:140px}
/* Privacy */
.prose{max-width:72ch;display:grid;gap:14px}
.prose h2{font-size:1.4rem;margin-top:18px}
.prose ul{margin:0;padding-left:20px;display:grid;gap:6px}
.prose p,.prose li{color:var(--fg)}
.prose a{color:var(--ink-2)}

/* Hero with Nate */
.hero-split{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);align-items:center;gap:40px}
.hero-copy{display:grid;gap:22px;min-width:0}
.hero-nate{display:grid;gap:0;justify-self:end;width:100%;max-width:300px;border-radius:var(--radius);overflow:hidden;background:var(--card);box-shadow:0 18px 40px rgba(5,18,48,.35)}
.hero-nate img{width:100%;aspect-ratio:4/5;object-fit:cover;display:block}
.hero-nate-card{display:grid;gap:4px;padding:16px 18px 18px;color:var(--fg)}
.hero-nate-card b{font-family:var(--font-display);font-size:1.25rem}
.hero-nate-card span{color:var(--muted);font-size:.9rem}
.hero-nate-card .hero-phone{color:var(--ink);font-weight:700;font-size:1.05rem;font-variant-numeric:tabular-nums;user-select:all;margin-top:4px}
.hero-nate-card .btn{margin-top:10px;padding:11px 16px}
@media (max-width:860px){
  .hero-split{grid-template-columns:1fr;gap:28px}
  .hero-nate{order:-1;justify-self:start;width:auto;max-width:420px;grid-template-columns:110px auto;align-items:stretch}
  .hero-nate img{height:100%;aspect-ratio:auto;min-height:140px;object-position:center top}
  .hero-nate-card{padding:14px 18px;align-content:center}
  .hero-nate-card .btn{justify-self:start;padding:9px 18px}
}