*, *::before, *::after { box-sizing: border-box; }
:root { --ink: #161914; --panel: #22271f; --gold: #d0b16b; --paper: #f2eee4; --muted: #bbc0b3; --line: #414738; }
html { scroll-behavior: smooth; scroll-padding-top: 2rem; }
body { margin: 0; background: var(--ink); color: var(--paper); font-family: 'Trebuchet MS', sans-serif; font-size: 1rem; line-height: 1.7; }
a { color: var(--gold); text-decoration: none; text-underline-offset: 5px; }
a:hover { text-decoration: underline; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 3px solid var(--gold); outline-offset: 5px; }
h1, h2, h3, p { margin: 0; }
h1, h2, h3 { font-family: Georgia, serif; font-weight: 400; line-height: 1.15; }
h2 { font-size: clamp(1.8rem, 3vw, 2.8rem); }
h3 { font-size: 1.4rem; }
header { border-bottom: 1px solid var(--line); }
.header-inner { max-width: 1240px; margin: auto; padding: 1.5rem 2rem; display: flex; justify-content: space-between; align-items: center; gap: 2rem; }
.brand { display: flex; gap: 1rem; align-items: center; color: var(--paper); }
.brand:hover { text-decoration: none; }
.brand-logo { display: block; width: 88px; height: 88px; object-fit: contain; border-radius: 50%; flex-shrink: 0; }
.brand-detail { line-height: 1.5; font-size: .9rem; }
.brand-detail span { display: block; font-size: .7rem; color: var(--muted); }
nav { display: flex; align-items: center; flex-wrap: wrap; gap: 1.5rem; font-size: .85rem; }
nav a { color: var(--paper); }
nav [aria-current] { color: var(--gold); text-decoration: underline; }
.header-phone { padding: .6rem 1rem; border: 1px solid var(--gold); color: var(--gold); white-space: nowrap; }
.hero { max-width: 1240px; margin: auto; padding: 5.5rem 2rem; display: grid; grid-template-columns: 1.5fr 1fr; gap: 5rem; align-items: center; }
.eyebrow { font-size: .72rem; letter-spacing: .17em; text-transform: uppercase; font-weight: 700; color: var(--gold); margin-bottom: 1.4rem; }
h1 { font-size: clamp(2.6rem, 5vw, 4.6rem); letter-spacing: -.035em; }
h1 em { color: var(--gold); }
.hero-description { max-width: 600px; margin-top: 1.8rem; color: var(--muted); }
.actions { display: flex; gap: 1.5rem; align-items: center; flex-wrap: wrap; margin: 2rem 0 1rem; }
.button { display: inline-block; background: var(--gold); color: var(--ink); border: 1px solid var(--gold); padding: .9rem 1.4rem; font: 700 .95rem 'Trebuchet MS', sans-serif; line-height: 1.5; cursor: pointer; text-align: center; transition: background .2s; }
.button:hover { background: #e4c889; color: var(--ink); text-decoration: none; }
.button:disabled { opacity: .6; cursor: wait; }
.text-link { font-size: .9rem; font-weight: 700; }
.small-print, .form-note { font-size: .78rem; color: var(--muted); }
.next-step { background: var(--panel); padding: 2.5rem; border: 1px solid var(--line); border-top: 3px solid var(--gold); }
.step-number { display: block; font-size: .7rem; letter-spacing: .18em; color: var(--gold); margin-bottom: 2rem; }
.next-step h2 { font-size: 1.9rem; }
.next-step p { color: var(--muted); margin: 1rem 0; font-size: .9rem; }
.next-step h3 { font-size: 1.2rem; }
hr { border: 0; border-top: 1px solid var(--line); margin: 1.7rem 0; }
.next-step a { font-size: .9rem; }
.section { padding: 4.5rem max(2rem, calc((100vw - 1176px) / 2)); }
.options { color: var(--ink); background: var(--paper); display: grid; grid-template-columns: 1fr 1.15fr; gap: 5rem; }
.options .eyebrow { color: #755921; }
.section-heading > p:last-child { color: #54594d; margin-top: 1.5rem; }
.option { display: flex; gap: 1.5rem; padding: 1.5rem 0; border-bottom: 1px solid #d0d2c8; }
.option:first-child { padding-top: 0; }
.option-number { font: italic 1.7rem Georgia, serif; color: #755921; }
.option p { font-size: .92rem; color: #54594d; margin-top: .7rem; }
.option .text-link { display: inline-block; margin-top: .8rem; color: #755921; }
.help-section { display: grid; grid-template-columns: .85fr 1.15fr; gap: 5rem; }
.help-copy > p:not(.eyebrow) { color: var(--muted); margin: 1.5rem 0; }
.contact-phone { display: block; font: 1.8rem Georgia, serif; margin: 1.5rem 0 .5rem; }
.contact-email { overflow-wrap: anywhere; }
.prepare { border-top: 1px solid var(--line); margin-top: 2rem; padding-top: 2rem; }
.prepare h3 { font-size: 1.2rem; }
.prepare ul { padding-left: 1.2rem; color: var(--muted); font-size: .9rem; }
.prepare p { color: var(--muted); font-size: .8rem; }
form { padding: 2rem; background: var(--panel); border: 1px solid var(--line); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; margin-top: 1rem; }
.field { display: flex; flex-direction: column; gap: .4rem; min-width: 0; }
.full { grid-column: 1 / -1; }
label { font-size: .8rem; color: var(--paper); }
input:not([type="checkbox"]), select, textarea { width: 100%; min-width: 0; padding: .75rem; background: var(--ink); color: var(--paper); border: 1px solid #68705c; border-radius: 0; font: .95rem 'Trebuchet MS', sans-serif; }
input::placeholder, textarea::placeholder { color: var(--muted); opacity: 1; }
textarea { resize: vertical; }
.honeypot { display: none; }
.consent { display: flex; gap: .7rem; align-items: flex-start; color: var(--muted); }
.consent input { flex-shrink: 0; width: 1.1rem; height: 1.1rem; accent-color: var(--gold); }
form .button { width: 100%; }
#form-status { margin-top: .8rem; font-size: .9rem; }
#form-status.success { color: #a7d6af; }
#form-status.error { color: #ffbbb2; }
.resources { border-top: 1px solid var(--line); display: grid; grid-template-columns: .85fr 1.15fr; gap: 5rem; }
.resource-links article { padding: 1.5rem 0; border-bottom: 1px solid var(--line); }
.resource-links article:first-child { padding-top: 0; }
.resource-links p { color: var(--muted); font-size: .9rem; margin: .7rem 0; }
.lending-banner { margin: 0 auto 3rem; max-width: 1176px; background: var(--panel); border: 1px solid var(--line); padding: 2.5rem; display: flex; justify-content: space-between; gap: 2rem; align-items: center; }
.lending-banner .eyebrow { margin-bottom: .7rem; }
.lending-banner h2 { font-size: 1.7rem; }
.lending-banner p:last-child { color: var(--muted); font-size: .9rem; margin-top: .5rem; }
.button-outline { background: transparent; color: var(--gold); flex-shrink: 0; }
footer { padding: 2rem; text-align: center; border-top: 1px solid var(--line); font-size: .78rem; color: var(--muted); }
footer p { max-width: 950px; margin: 0 auto 1rem; }
.skip-link { position: absolute; left: 1rem; top: -100px; background: var(--paper); color: var(--ink); padding: 1rem; z-index: 2; }
.skip-link:focus { top: 1rem; }
@media (max-width: 960px) {
  .header-inner { flex-direction: column; align-items: flex-start; }
  .hero { gap: 2rem; padding-top: 3.5rem; }
  .options, .help-section, .resources { gap: 2.5rem; }
  .lending-banner { margin: 0 2rem 3rem; flex-direction: column; align-items: flex-start; }
}
@media (max-width: 720px) {
  .header-inner { padding: 1.2rem; gap: 1rem; }
  nav { gap: .8rem 1rem; }
  .brand-logo { width: 72px; height: 72px; }
  .brand-detail { font-size: .8rem; }
  .hero, .options, .help-section, .resources { grid-template-columns: 1fr; }
  .hero { padding: 3rem 1.2rem; }
  .section { padding: 3rem 1.2rem; }
  .next-step { padding: 1.5rem; }
  form { padding: 1.3rem; }
  .form-grid { grid-template-columns: 1fr; }
  .lending-banner { margin: 0 1.2rem 2rem; padding: 1.5rem; }
  .actions { align-items: flex-start; flex-direction: column; gap: 1rem; }
  .contact-phone { font-size: 1.6rem; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .button { transition: none; } }