/* ============================================================
   ALPHA LOANS v3 — style.css
   Light body | Orange accent | Bricolage Grotesque
   + Cosigner page: Cosigns.ca lavender/purple palette
============================================================ */

/* ---- DESIGN TOKENS ---- */
:root {
    /* Brand */
    --orange: #e8650a;
    --orange-hover: #c9560a;
    --orange-light: #fff4ec;
    --orange-dim: rgba(232, 101, 10, 0.12);

    /* Nav + Footer */
    --nav-bg: #1e1e1e;
    --nav-text: #f2f2f2;
    --nav-muted: #a0a0a0;

    /* Body — LIGHT */
    --body-bg: #f7f6f3;
    --section-white: #ffffff;
    --surface: #f0ede8;

    /* Text on light backgrounds */
    --text-primary: #1a1a1a;
    --text-body: #404040;
    --text-muted: #7c7c7c;

    /* Structure */
    --border: rgba(0, 0, 0, 0.09);
    --border-dark: rgba(255, 255, 255, 0.11);
    --radius: 2px;

    /* Cosigns.ca palette */
    --cosigns-purple: #8b5cf6;
    --cosigns-purple-deep: #6d28d9;
    --cosigns-lavender: #ede9f7;
    --cosigns-lavender-2: #ddd5f3;
    --cosigns-text-dark: #1a1a2e;
    --cosigns-text-body: #3d3456;
    --cosigns-text-muted: #7c6fa0;

    /* Type scale */
    --text-xs: clamp(0.72rem, 1vw, 0.8rem);
    --text-sm: clamp(0.85rem, 1.2vw, 0.95rem);
    --text-base: clamp(0.95rem, 1.4vw, 1.05rem);
    --text-lg: clamp(1.1rem, 1.8vw, 1.35rem);
    --text-xl: clamp(1.4rem, 2.5vw, 1.85rem);
    --text-2xl: clamp(2rem, 4vw, 2.9rem);
    --text-3xl: clamp(2.6rem, 5.5vw, 4.2rem);

    /* Layout */
    --section-py: clamp(4rem, 8vw, 7rem);
    --container: 1160px;
    --container-px: clamp(1.25rem, 5vw, 3.5rem);
}

/* ---- RESET ---- */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    background: var(--body-bg);
    color: var(--text-body);
    line-height: 1.72;
    -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3,
h4 {
    font-family: 'Bricolage Grotesque', sans-serif;
    color: var(--text-primary);
    line-height: 1.1;
}

a {
    color: inherit;
    text-decoration: none;
}

img {
    display: block;
    max-width: 100%;
}

ul {
    list-style: none;
}

button {
    cursor: pointer;
    background: none;
    border: none;
    font: inherit;
}

details>summary {
    list-style: none;
}

details>summary::-webkit-details-marker {
    display: none;
}

/* ---- LAYOUT ---- */
.container {
    max-width: var(--container);
    margin-inline: auto;
    padding-inline: var(--container-px);
}

/* ---- BUTTONS ---- */
.btn {
    display: inline-block;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-xs);
    letter-spacing: 0.1em;
    padding: 0.55rem 1.3rem;
    border-radius: var(--radius);
    transition: background 0.18s ease;
    white-space: nowrap;
    cursor: pointer;
}

.btn-orange {
    background: var(--orange);
    color: #fff;
}

.btn-orange:hover {
    background: var(--orange-hover);
}

/* Cosigns rounded button (matches their brand) */
.btn-cosigns {
    background: var(--cosigns-purple);
    color: #fff;
    border-radius: 20px;
    padding: 0.55rem 1.4rem;
}

.btn-cosigns:hover {
    background: var(--cosigns-purple-deep);
}

.btn-cosigns-rounded {
    background: var(--cosigns-purple);
    color: #fff;
    border-radius: 20px;
    padding: 0.6rem 1.5rem;
}

.btn-cosigns-rounded:hover {
    background: var(--cosigns-purple-deep);
}

.btn-white-cosigns {
    background: #fff;
    color: var(--cosigns-purple);
    border-radius: 20px;
    padding: 0.65rem 1.6rem;
    font-size: var(--text-sm);
}

.btn-white-cosigns:hover {
    background: var(--cosigns-lavender);
}

/* ---- SECTION LABEL ---- */
.section-label {
    display: block;
    font-family: 'DM Sans', sans-serif;
    font-weight: 400;
    font-size: var(--text-xs);
    color: var(--text-muted);
    letter-spacing: 0.2em;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

.cosigns-purple-label {
    color: var(--cosigns-purple);
}

.cosigns-muted-label {
    color: var(--cosigns-text-muted);
}

/* ---- DEFINITION LIST ---- */
.definition-list {
    margin: 1.5rem 0;
}

.def-item {
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--border);
}

.def-item:first-child {
    border-top: 1px solid var(--border);
}

.def-item dt {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 600;
    font-size: var(--text-base);
    color: var(--text-primary);
    margin-bottom: 0.2rem;
}

.def-item dd {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.72;
}

/* ============================================================
   NAVIGATION
============================================================ */
.site-nav {
    position: sticky;
    top: 0;
    z-index: 100;
    background: var(--nav-bg);
}

.nav-inner {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    height: 64px;
}

.nav-logo-wrap {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    flex-shrink: 0;
    text-decoration: none;
}

.logo-lockup {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    text-decoration: none;
}

.logo-icon {
    width: 32px;
    height: 32px;
    flex-shrink: 0;
    overflow: hidden;
}

.word {
    display: inline-block;
}

.logo-icon svg {
    width: 100%;
    height: 100%;
    display: block;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1;
}

.logo-alpha {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.15rem;
    letter-spacing: 0.02em;
    color: var(--nav-text);
}

.logo-loans {
    font-family: 'Montserrat', sans-serif;
    font-weight: 400;
    font-size: 0.5rem;
    letter-spacing: 0.5em;
    color: var(--nav-text);
    margin-top: 1px;
    opacity: 0.9;
}

.footer-logo-lockup .logo-alpha,
.footer-logo-lockup .logo-loans {
    color: #fff;
}

.footer-logo-lockup {
    margin-bottom: 1.25rem;
}

.nav-center {
    flex: 1;
    display: flex;
    justify-content: center;
}

.nav-links {
    display: flex;
    gap: 2rem;
    align-items: center;
}

.nav-link {
    font-size: var(--text-sm);
    font-weight: 400;
    color: var(--nav-muted);
    transition: color 0.18s ease;
}

.nav-link:hover {
    color: var(--orange);
}

.nav-link.nav-active {
    color: var(--orange);
    font-weight: 700;
}

.drawer-links a.drawer-active {
    color: var(--orange);
    font-weight: 700;
}

.nav-right {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    flex-shrink: 0;
}

.nav-lang-toggle {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 500;
    font-size: var(--text-xs);
    color: var(--nav-muted);
}

.lang-sep {
    color: #555;
}

.lang-active {
    color: var(--nav-text);
}

.nav-hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 4px;
}

.nav-hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--nav-text);
    border-radius: 1px;
}

.nav-orange-line {
    height: 2px;
    background: var(--orange);
}

/* MOBILE DRAWER */
.nav-overlay {
    position: fixed;
    inset: 0;
    z-index: 200;
    background: rgba(0, 0, 0, 0.55);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.nav-overlay.visible {
    opacity: 1;
    pointer-events: all;
}

.nav-drawer {
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: min(320px, 85vw);
    z-index: 201;
    background: var(--nav-bg);
    transform: translateX(100%);
    transition: transform 0.35s cubic-bezier(0.22, 1, 0.36, 1);
    padding: 2rem 1.5rem;
    display: flex;
    flex-direction: column;
}

.nav-drawer.open {
    transform: translateX(0);
}

.drawer-close {
    align-self: flex-end;
    font-size: 1.5rem;
    color: var(--nav-text);
    line-height: 1;
    margin-bottom: 2rem;
}

.drawer-links {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.drawer-links a {
    font-size: var(--text-base);
    color: var(--nav-muted);
}

.drawer-links a:hover {
    color: var(--nav-text);
}

.drawer-lang {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.drawer-cta {
    margin-top: 2rem;
    text-align: center;
}

/* ============================================================
   BREADCRUMB (cosigner page only)
============================================================ */
.cosigner-breadcrumb {
    padding: 0.6rem 0;
    font-size: var(--text-xs);
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    background: var(--cosigns-lavender);
}

.breadcrumb-back {
    color: var(--cosigns-purple);
}

.breadcrumb-back:hover {
    text-decoration: underline;
}

.breadcrumb-sep {
    color: var(--cosigns-text-muted);
}

.breadcrumb-current {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 500;
    color: var(--cosigns-text-dark);
    font-size: var(--text-xs);
}

/* ============================================================
   SECTION 1: HERO (Full-bleed)
============================================================ */
.hero {
    position: relative;
    height: 100svh;
    min-height: 560px;
    overflow: hidden;
}

.hero-bg-image {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center bottom;
    background-repeat: no-repeat;
    filter: brightness(0.95);
    pointer-events: none;
}

.hero-text {
    position: absolute;
    bottom: 0;
    left: 0;
    width: min(850px, 85%);
    padding: clamp(2rem, 5vw, 4.5rem);
    z-index: 10;
}

.hero-eyebrow {
    font-style: italic;
    font-weight: 300;
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.75);
    letter-spacing: 0.04em;
    margin-bottom: 0.75rem;
    opacity: 0;
    transform: translateY(-10px);
}

.hero-h1 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-3xl);
    color: #fff;
    line-height: 1.05;
    letter-spacing: -0.01em;
}

/* Character spans injected by JS */
.hero-h1 .char {
    display: inline-block;
    opacity: 0;
    transform: translateY(20px);
    white-space: pre;
}

.hero-body {
    font-weight: 300;
    font-size: var(--text-base);
    color: rgba(255, 255, 255, 0.85);
    max-width: 420px;
    margin-top: 1rem;
    line-height: 1.72;
    opacity: 0;
}

.hero-cta {
    margin-top: 1.75rem;
    opacity: 0;
}

/* ============================================================
   SECTION 2: THREE STEPS
============================================================ */
.steps-section {
    background: var(--body-bg);
    padding: var(--section-py) 0;
}

.steps-inner {
    display: grid;
    grid-template-columns: 35fr 65fr;
    gap: 5rem;
    align-items: start;
}

.steps-left .section-label {
    margin-bottom: 1rem;
}

.steps-h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    color: var(--text-primary);
    line-height: 1.2;
}

.steps-h2-line1 {
    display: block;
}

.steps-h2-highlight {
    display: block;
    color: var(--orange);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-thickness: 2px;
}

.steps-cols {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
}

.step-item {
    padding: 0 1.5rem 0 0;
    border-right: 1px solid var(--border);
    position: relative;
}

.step-item:last-child {
    border-right: none;
}

.step-item:not(:first-child) {
    padding-left: 1.5rem;
}

.step-num-wrap {
    margin-bottom: 1rem;
}

.step-num {
    display: block;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: clamp(3rem, 6vw, 5rem);
    color: var(--orange);
    line-height: 1;
    transition: opacity 0.25s ease;
    opacity: 1;
}

.step-num-rule {
    width: 40px;
    height: 2px;
    background: var(--orange);
    margin-top: 0.35rem;
}

.step-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-lg);
    color: var(--text-primary);
    margin-bottom: 0.5rem;
    margin-top: 1rem;
}

.step-body {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.7;
}

.steps-cta {
    margin-top: 2.5rem;
}

/* ============================================================
   SECTION 3: BROKER BANNER
============================================================ */
.broker-banner {
    background: var(--orange);
    padding: 0.85rem 0;
}

.broker-banner p {
    font-size: var(--text-sm);
    font-weight: 400;
    color: #fff;
    text-align: center;
    line-height: 1.5;
}

/* ============================================================
   SECTION 4: CREDIT CHECK
============================================================ */
.credit-section {
    background: var(--section-white);
    padding: var(--section-py) 0;
}

.credit-inner {
    display: grid;
    grid-template-columns: 60fr 40fr;
    gap: 4rem;
    align-items: start;
}

.credit-text h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    margin-bottom: 1rem;
}

.credit-text p {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.78;
}

.credit-text h3 {
    font-size: var(--text-lg);
    font-weight: 700;
    margin: 1.5rem 0 0.5rem;
    color: var(--text-primary);
}

.credit-watermark-wrap {
    display: flex;
    align-items: center;
    justify-content: center;
    height: 100%;
    min-height: 250px;
}

.credit-watermark {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: clamp(4rem, 8vw, 7rem);
    color: var(--orange);
    opacity: 0.055;
    user-select: none;
    line-height: 1;
    letter-spacing: -0.04em;
}

/* ============================================================
   SECTION 5: IBV CALLOUT
============================================================ */
.ibv-section {
    background: var(--surface);
    padding: var(--section-py) 0;
}

.ibv-inner {
    max-width: 780px;
    margin-inline: auto;
    text-align: center;
}

.ibv-headline {
    font-size: var(--text-2xl);
    font-weight: 800;
    color: var(--text-primary);
    line-height: 1.15;
}

.ibv-rule {
    width: 48px;
    height: 2px;
    background: var(--orange);
    margin: 1.5rem auto;
}

.ibv-body {
    font-size: var(--text-base);
    color: var(--text-body);
    line-height: 1.78;
    margin-bottom: 1rem;
    max-width: 700px;
    margin-inline: auto;
}

.ibv-asterisk {
    font-style: italic;
    font-size: var(--text-xs);
    color: var(--text-muted);
    margin-top: 2rem;
    max-width: 660px;
    margin-inline: auto;
}

.ibv-section .btn {
    margin-top: 2rem;
}

/* ============================================================
   SECTION 6: LOAN CALCULATOR
============================================================ */
.calc-section {
    background: var(--body-bg);
    padding: var(--section-py) 0;
}

.calc-section h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    margin-bottom: 2rem;
}

/* LOAN EXAMPLE CARD */
.loan-example-card {
    background: var(--section-white);
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
    max-width: 680px;
    margin-top: 1.5rem;
    box-shadow: 0 4px 20px rgba(0,0,0,0.03);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.loan-example-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.06);
}

.lex-header {
    background: var(--orange-light);
    padding: 1rem 1.75rem;
    border-bottom: 1px solid var(--orange-dim);
}

.lex-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-sm);
    color: var(--orange);
    text-transform: uppercase;
    letter-spacing: 0.1em;
}

.lex-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    padding: 2rem 1.75rem;
    border-bottom: 1px solid var(--border);
    background: #fff;
}

.lex-col {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.lex-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-muted);
}

.lex-val {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-xl);
    color: var(--text-primary);
}

.lex-val.accent {
    color: var(--orange);
}

.lex-footer {
    padding: 1.5rem 1.75rem;
    background: #fafafa;
}

.lex-desc {
    font-size: var(--text-sm);
    color: var(--text-body);
    margin-bottom: 0.5rem;
    line-height: 1.5;
}

.lex-fine {
    font-size: 10px;
    font-style: italic;
    color: var(--text-muted);
}

@media (max-width: 600px) {
    .lex-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
}

/* ============================================================
   SECTION 7: WHY ALPHA LOANS
============================================================ */
.features-section {
    background: var(--section-white);
    padding: var(--section-py) 0;
}

.features-section h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    max-width: 680px;
    margin-bottom: 2.5rem;
}

.features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
}

.feature-item {
    padding: 1.75rem 2rem 1.75rem 1.5rem;
    border-bottom: 1px solid var(--border);
    border-right: 1px solid var(--border);
}

.feature-item:nth-child(even) {
    border-right: none;
}

.feature-item:nth-last-child(-n+2) {
    border-bottom: none;
}

.feature-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-lg);
    color: var(--text-primary);
    margin-bottom: 0.6rem;
    padding-left: 1rem;
    border-left: 2px solid var(--orange);
    border-left-color: rgba(232, 101, 10, 0.35);
    transition: border-left-color 0.2s ease;
}

.feature-item:hover .feature-title {
    border-left-color: var(--orange);
}

.feature-body {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.72;
}

.features-callout {
    margin-top: 3rem;
    background: var(--orange-light);
    border-top: 2px solid var(--orange);
    border-bottom: 2px solid var(--orange);
    padding: 1.75rem;
    text-align: center;
}

.features-callout p {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-xl);
    color: var(--text-primary);
    line-height: 1.2;
}

.features-cta-wrap {
    text-align: center;
    margin-top: 2rem;
}

/* ============================================================
   SECTION 8: COSIGNER TEASER
============================================================ */
.cosigner-teaser {
    background: var(--cosigns-lavender);
    padding: var(--section-py) 0;
}

.cosigner-teaser-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.cosigns-muted-label {
    color: var(--cosigns-text-muted);
}

.cosigner-teaser-h2 {
    font-size: var(--text-xl);
    font-weight: 700;
    color: var(--cosigns-text-dark);
    margin-bottom: 1rem;
}

.cosigner-teaser-body {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    line-height: 1.72;
}

.cosigner-teaser-cta {
    margin-top: 1.5rem;
}

.cosigns-preview-card {
    background: var(--cosigns-lavender-2);
    border: 1px solid rgba(139, 92, 246, 0.2);
    border-radius: 12px;
    padding: 2rem;
}

.cosigns-wordmark-wrap {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    margin-bottom: 0.75rem;
}

.cosigns-wordmark-text {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-lg);
    color: var(--cosigns-purple);
    letter-spacing: 0.1em;
}

.cosigns-dot-ca {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 500;
    font-size: var(--text-base);
    color: var(--cosigns-text-muted);
}

.cosigns-descriptor {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    margin-bottom: 1rem;
    font-style: italic;
}

.cosigns-bullets {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.4rem;
    margin-bottom: 1rem;
}

.cosigns-bullets li {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    padding-left: 1rem;
    position: relative;
}

.cosigns-bullets li::before {
    content: '—';
    position: absolute;
    left: 0;
    color: var(--cosigns-purple);
    font-weight: 700;
}

.cosigns-preview-disclosure {
    font-size: var(--text-xs);
    color: var(--cosigns-text-muted);
    font-style: italic;
    line-height: 1.6;
    margin-top: 1rem;
    border-top: 1px solid rgba(139, 92, 246, 0.15);
    padding-top: 0.75rem;
}

/* ============================================================
   SECTION 9: FAQ
============================================================ */
.faq-section {
    background: var(--body-bg);
    padding: var(--section-py) 0;
}

.faq-section h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    margin-bottom: 2rem;
}

.faq-list {
    border-top: 1px solid var(--border);
}

.faq-item {
    border-bottom: 1px solid var(--border);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.2rem 0;
    cursor: pointer;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 500;
    font-size: var(--text-base);
    color: var(--text-primary);
    gap: 1rem;
    border-radius: var(--radius);
    transition: background 0.15s ease;
    padding-left: 0.5rem;
    padding-right: 0.5rem;
    margin-left: -0.5rem;
    margin-right: -0.5rem;
}

.faq-question:hover {
    background: var(--orange-dim);
}

.faq-question::after {
    content: '+';
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    color: var(--orange);
    font-size: var(--text-lg);
    flex-shrink: 0;
}

details[open] .faq-question::after {
    content: 'x';
}

.faq-answer {
    padding: 0 0 1.2rem 0.5rem;
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.75;
}

/* ============================================================
   SECTION 10: OPPORTUNITIES
============================================================ */
.opportunities-section {
    background: var(--section-white);
    padding: var(--section-py) 0;
}

.opportunities-section h2 {
    font-size: var(--text-2xl);
    font-weight: 700;
    margin-bottom: 1rem;
}

.opp-intro,
.opp-privacy {
    font-size: var(--text-sm);
    color: var(--text-body);
    max-width: 720px;
    line-height: 1.78;
    margin-bottom: 0.75rem;
}

.opp-items {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin: 3rem 0;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}

.opp-item {
    padding: 2rem 2rem 2rem 0;
    border-right: 1px solid var(--border);
    position: relative;
}

.opp-item:first-child {
    padding-left: 0;
}

.opp-item:not(:first-child) {
    padding-left: 2rem;
}

.opp-item:last-child {
    border-right: none;
}

.opp-num {
    display: block;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-lg);
    color: var(--orange);
    margin-bottom: 0.5rem;
}

.opp-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-base);
    color: var(--text-primary);
    margin-bottom: 0.4rem;
}

.opp-body {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.72;
}

.opp-timeline {
    display: flex;
    align-items: center;
    gap: 0;
    margin-bottom: 2rem;
}

.timeline-step {
    flex: 1;
    text-align: center;
    padding: 0 0.5rem;
}

.timeline-connector {
    height: 2px;
    width: 40px;
    background: var(--orange);
    flex-shrink: 0;
    opacity: 0.4;
}

.timeline-label {
    display: block;
    font-style: italic;
    font-size: var(--text-xs);
    color: var(--text-muted);
    margin-bottom: 0.3rem;
}

.timeline-name {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--text-primary);
}

.opp-fine-print {
    font-style: italic;
    font-size: var(--text-xs);
    color: var(--text-muted);
    margin-bottom: 2rem;
}

/* ============================================================
   DISCLAIMER BAND
============================================================ */
.disclaimer-banner {
    background: var(--surface);
    border-top: 1px solid var(--border);
    padding: 1rem 0;
}

.disclaimer-banner p {
    font-size: var(--text-xs);
    color: var(--text-muted);
    text-align: center;
    line-height: 1.7;
}

.disclaimer-link {
    color: var(--orange);
    text-decoration: underline;
    margin-left: 0.4em;
}

/* ============================================================
   FOOTER
============================================================ */
.site-footer {
    background: var(--nav-bg);
    border-top: 3px solid var(--orange);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1.5fr;
    gap: 3rem;
    padding-top: 3rem;
    padding-bottom: 3rem;
}

.footer-logo-wrap {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    margin-bottom: 1.25rem;
}

.footer-wordmark {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-sm);
    letter-spacing: 0.15em;
    color: var(--nav-text);
}

.footer-contact {
    font-size: var(--text-xs);
    color: #999;
    line-height: 2;
}

.footer-nav-col {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    padding-top: 0.25rem;
}

.footer-nav-col a {
    font-size: var(--text-sm);
    color: #999;
    transition: color 0.2s;
}

.footer-nav-col a:hover {
    color: var(--nav-text);
}

.provinces-toggle {
    font-family: 'DM Sans', sans-serif;
    font-size: var(--text-xs);
    color: #999;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    cursor: pointer;
    margin-bottom: 0.75rem;
    background: none;
    border: none;
}

.provinces-list {
    display: flex;
    flex-direction: column;
    gap: 0.2rem;
}

.provinces-list a {
    font-size: var(--text-xs);
    color: #777;
    line-height: 2.2;
    transition: color 0.2s;
}

.provinces-list a:hover {
    color: var(--nav-text);
}

.footer-bottom {
    border-top: 1px solid var(--border-dark);
    padding: 1rem 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    flex-wrap: wrap;
}

.footer-copy {
    font-size: var(--text-xs);
    color: #666;
}

.footer-legal-links {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap;
}

.footer-legal-links a {
    font-size: var(--text-xs);
    color: #666;
    transition: color 0.2s;
}

.footer-legal-links a:hover {
    color: #999;
}

/* ============================================================
   TERMS DRAWER
============================================================ */
.terms-overlay {
    position: fixed;
    inset: 0;
    z-index: 300;
    background: rgba(0, 0, 0, 0.65);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.terms-overlay.visible {
    opacity: 1;
    pointer-events: all;
}

.terms-drawer {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 301;
    height: 78vh;
    background: #fff;
    border-top: 3px solid var(--orange);
    transform: translateY(100%);
    transition: transform 380ms cubic-bezier(0.22, 1, 0.36, 1);
    display: flex;
    flex-direction: column;
    overflow: hidden;
}

.terms-drawer.open {
    transform: translateY(0);
}

.terms-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.25rem 2rem;
    border-bottom: 1px solid var(--border);
    background: #fff;
    flex-shrink: 0;
}

.terms-drawer-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-lg);
    color: var(--text-primary);
}

.terms-close {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-xl);
    color: var(--text-muted);
    line-height: 1;
}

.terms-body-wrap {
    flex: 1;
    display: flex;
    overflow: hidden;
}

.terms-toc {
    width: 240px;
    flex-shrink: 0;
    border-right: 1px solid var(--border);
    overflow-y: auto;
    padding: 1.5rem 1.25rem;
}

.terms-toc-mobile {
    display: none;
}

.terms-toc-list {
    display: flex;
    flex-direction: column;
    gap: 0.15rem;
}

.terms-toc-list a {
    display: block;
    font-size: var(--text-xs);
    color: var(--text-muted);
    padding: 0.3rem 0.5rem;
    border-radius: 2px;
    line-height: 1.5;
    transition: color 0.15s;
}

.terms-toc-list a:hover {
    color: var(--orange);
}

.terms-toc-list a.active {
    color: var(--orange);
    font-weight: 500;
}

.terms-content {
    flex: 1;
    overflow-y: auto;
    padding: 2rem;
}

.terms-updated {
    font-style: italic;
    font-size: var(--text-xs);
    color: var(--text-muted);
    margin-bottom: 1.5rem;
}

.terms-section {
    padding-top: 2rem;
}

.terms-section:first-of-type {
    padding-top: 0;
}

.terms-sec-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 600;
    font-size: var(--text-base);
    color: var(--text-primary);
    margin-bottom: 0.5rem;
}

.terms-sec-body {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.82;
}

/* ============================================================
   COSIGNER PAGE STYLES
============================================================ */

/* A: Hero */
.cosigner-hero {
    background: var(--cosigns-lavender);
    padding: clamp(3rem, 6vw, 5rem) 0;
    min-height: 90vh;
    display: flex;
    align-items: center;
}

.cosigner-hero-inner {
    text-align: center;
}

.cobranding-lockup {
    display: inline-flex;
    align-items: center;
    gap: 2rem;
    margin-bottom: 2rem;
    opacity: 0;
}

.cobranding-alpha {
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.cobranding-alpha-name {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-base);
    letter-spacing: 0.18em;
    color: var(--cosigns-text-dark);
}

.cobranding-plus {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 300;
    font-size: var(--text-xl);
    color: var(--cosigns-text-muted);
}

.cobranding-cosigns {
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.cosigns-icon-pill {
    background: #fff;
    border-radius: 20px;
    padding: 0.35rem 0.7rem;
    display: flex;
    align-items: center;
}

.cobranding-cosigns-name {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-lg);
    color: var(--cosigns-purple);
    letter-spacing: 0.12em;
}

.cosigns-dotca {
    font-weight: 500;
    color: var(--cosigns-text-muted);
    letter-spacing: 0.04em;
}

.cobranding-rule {
    border: none;
    border-top: 1px solid rgba(139, 92, 246, 0.2);
    max-width: 600px;
    margin: 0 auto 2rem;
}

.cosigner-hero-h1 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-3xl);
    color: var(--cosigns-text-dark);
    max-width: 820px;
    margin: 0 auto 1.25rem;
    line-height: 1.08;
    letter-spacing: -0.01em;
}

.cosigner-hero-h1 .char {
    display: inline-block;
    opacity: 0;
    transform: translateY(20px);
    white-space: pre;
}

.cosigner-hero-body {
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    font-size: var(--text-lg);
    color: var(--cosigns-text-body);
    max-width: 600px;
    margin: 0 auto 2rem;
    line-height: 1.65;
    opacity: 0;
}

.cosigner-hero-ctas {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    opacity: 0;
}

/* B: Why cosigner */
.cosigner-why {
    background: var(--cosigns-lavender-2);
    padding: var(--section-py) 0;
}

.cosigns-dark-h2 {
    color: var(--cosigns-text-dark);
}

.cosigner-why-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.cosigns-body-text {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    line-height: 1.75;
}

.cosigner-why-right {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.cosigns-tile {
    background: rgba(255, 255, 255, 0.6);
    border: 1px solid rgba(139, 92, 246, 0.15);
    border-radius: 8px;
    padding: 1.5rem;
}

.cosigns-tile-icon {
    margin-bottom: 0.75rem;
}

.cosigns-tile-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 600;
    font-size: var(--text-base);
    color: var(--cosigns-text-dark);
    margin-bottom: 0.4rem;
}

.cosigns-tile-body {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    line-height: 1.7;
}

/* C: Process */
.cosigner-process {
    background: var(--cosigns-lavender);
    padding: var(--section-py) 0;
}

.process-steps {
    display: flex;
    align-items: flex-start;
    gap: 0;
    margin-top: 2.5rem;
}

.process-step {
    flex: 1;
    padding: 0 1.5rem;
    position: relative;
}

.process-step:first-child {
    padding-left: 0;
}

.process-step:last-child {
    padding-right: 0;
}

.process-watermark {
    display: block;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-3xl);
    color: var(--cosigns-purple);
    opacity: 0.13;
    line-height: 1;
    margin-bottom: 0.5rem;
    user-select: none;
}

.process-title {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: var(--text-base);
    color: var(--cosigns-text-dark);
    margin-bottom: 0.4rem;
}

.process-body {
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    line-height: 1.7;
}

.process-connector {
    flex-shrink: 0;
    width: 32px;
    height: 2px;
    background: var(--cosigns-purple);
    opacity: 0.25;
    margin-top: 2.5rem;
    align-self: flex-start;
}

/* D: Disclosure */
.cosigner-disclosure {
    background: var(--cosigns-lavender-2);
    padding: var(--section-py) 0;
}

.disclosure-blocks {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin: 1.5rem 0;
}

.disclosure-block {
    border-left: 2px solid rgba(139, 92, 246, 0.3);
    padding-left: 1.25rem;
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    font-size: var(--text-sm);
    color: var(--cosigns-text-body);
    line-height: 1.78;
}

.disclosure-block strong {
    font-weight: 500;
    color: var(--cosigns-text-dark);
}

.disclosure-acknowledgment {
    font-style: italic;
    font-size: var(--text-xs);
    color: var(--cosigns-text-muted);
    margin-top: 1.5rem;
}

/* E: CTA Band */
.cosigner-cta-band {
    background: var(--cosigns-purple);
    padding: 3rem 0;
}

.cosigner-cta-inner {
    text-align: center;
}

.cosigner-cta-h2 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 800;
    font-size: var(--text-2xl);
    color: #fff;
    margin-bottom: 1rem;
}

.cosigner-cta-body {
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    font-size: var(--text-base);
    color: rgba(255, 255, 255, 0.85);
    max-width: 520px;
    margin: 0 auto 1.75rem;
    line-height: 1.68;
}

/* ============================================================
   GSAP INITIAL STATES (will be animated to visible)
============================================================ */
.reveal-h2,
.reveal-body,
.section-label {
    opacity: 0;
    transform: translateY(32px);
}

/* ============================================================
   RESPONSIVE — 768px
============================================================ */
@media (max-width: 768px) {

    .nav-center,
    .nav-right {
        display: none;
    }

    .nav-hamburger {
        display: flex;
    }

    .nav-inner {
        justify-content: space-between;
    }

    /* Hero */
    .hero {
        display: flex;
        flex-direction: column;
        justify-content: flex-end;
        height: 100svh;
        min-height: 580px;
        background: #000;
        /* Fallback */
    }

    .hero-bg-image {
        opacity: 0.7;
        /* Better text contrast on mobile */
        background-position: center center;
    }

    .hero-text {
        position: relative;
        width: 100%;
        padding: 2.5rem 1.75rem 4rem;
        z-index: 10;
        bottom: auto;
        left: auto;
    }

    .hero-eyebrow {
        font-size: 0.75rem;
    }

    .hero-h1 {
        font-size: clamp(2rem, 9vw, 2.75rem);
        margin-bottom: 1rem;
    }

    .hero-body {
        font-size: 0.95rem;
        max-width: 100%;
        margin-bottom: 2rem;
    }

    .hero-cta {
        width: 100%;
        display: block;
        text-align: center;
        margin-top: 1rem;
    }

    /* Custom Watermark Safeties */
    .credit-watermark-wrap,
    .hero-bg-triangle {
        display: none !important;
    }

    /* Steps */
    .steps-inner {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .steps-cols {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .step-item {
        border-right: none;
        padding: 1.5rem 0;
        border-bottom: 1px solid var(--border);
    }

    .step-item:last-child {
        border-bottom: none;
    }

    .step-item:not(:first-child) {
        padding-left: 0;
    }

    /* Credit */
    .credit-inner {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .credit-watermark-wrap {
        display: none;
    }

    /* Features */
    .features-grid {
        grid-template-columns: 1fr;
    }

    .feature-item {
        border-right: none;
    }

    .feature-item:nth-last-child(-n+2) {
        border-bottom: 1px solid var(--border);
    }

    .feature-item:last-child {
        border-bottom: none;
    }

    /* Calculator */
    .calc-ui {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    /* Cosigner teaser */
    .cosigner-teaser-inner {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    /* Opportunities */
    .opp-items {
        grid-template-columns: 1fr;
    }

    .opp-item {
        border-right: none;
        padding: 1.5rem 0;
    }

    .opp-timeline {
        flex-direction: column;
        align-items: flex-start;
        gap: 1rem;
    }

    .timeline-connector {
        width: 2px;
        height: 24px;
        margin-left: 1rem;
    }

    /* Footer */
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-bottom-inner {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.75rem;
    }

    /* Terms */
    .terms-toc {
        display: none;
    }

    .terms-toc-mobile {
        display: block;
        width: 100%;
        padding: 0.6rem;
        border: 1px solid var(--border);
        border-radius: var(--radius);
        font-size: var(--text-xs);
        background: #fff;
        color: var(--text-body);
        margin-bottom: 1rem;
    }

    .terms-body-wrap {
        flex-direction: column;
    }

    .terms-content {
        padding: 1.25rem;
    }

    .terms-drawer {
        height: 100vh;
    }

    /* Cosigner page responsive */
    .cobranding-lockup {
        flex-direction: column;
        gap: 1.5rem;
        text-align: center;
    }

    .cosigner-hero {
        min-height: 80svh;
        display: flex;
        align-items: center;
        padding: 4rem 0;
    }

    .cosigner-why-inner {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .process-steps {
        flex-direction: column;
        gap: 1.5rem;
    }

    .process-connector {
        width: 100%;
        height: 2px;
        margin-top: 0;
        align-self: auto;
    }

    .process-step {
        padding: 0;
    }
}

@media (max-width: 480px) {

    .hero-cta,
    .steps-cta,
    .cosigner-hero-ctas .btn {
        width: 100%;
        display: block;
        text-align: center;
    }

    .cosigner-hero-ctas {
        flex-direction: column;
    }
}

/* ============================================================
   CONSENT MODAL
============================================================ */
.consent-modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.45);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    padding: 1.5rem;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.consent-modal-overlay.active {
    opacity: 1;
    pointer-events: auto;
}

.consent-modal-card {
    background: #fff;
    width: 100%;
    max-width: 540px;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
    transform: translateY(20px);
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.consent-modal-overlay.active .consent-modal-card {
    transform: translateY(0);
}

.consent-modal-header {
    padding: 1.5rem 2rem;
    border-bottom: 1px solid var(--border);
}

.consent-modal-header h3 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--text-primary);
}

.consent-modal-body {
    padding: 2rem;
}

.consent-modal-body p {
    font-size: var(--text-sm);
    color: var(--text-body);
    line-height: 1.65;
}

.consent-modal-footer {
    padding: 1.5rem 2rem;
    background: #f9f9f9;
    display: flex;
    justify-content: flex-end;
}

#consent-accept {
    padding: 0.8rem 2rem;
    font-size: 0.95rem;
}

/* ============================================================
   COSIGNER RICH SECTION
============================================================ */
#cosigner.cosigner-section {
    padding: 100px 0;
    background: #1e1e1e !important;
    position: relative;
    z-index: 1;
}
.cosigner-intro {
    color: rgba(255,255,255,0.5);
    font-size: 1.05rem;
    max-width: 560px;
    margin-bottom: 3.5rem;
    line-height: 1.7;
}
.cosigner-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}
.cosigner-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.09);
    border-radius: 14px;
    padding: 1.75rem;
    transition: border-color 0.25s, background 0.25s;
}
.cosigner-card:hover {
    background: rgba(255,255,255,0.08);
    border-color: rgba(244,121,32,0.3);
}
.cosigner-card-icon {
    width: 46px;
    height: 46px;
    background: rgba(244,121,32,0.15);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.1rem;
}
.cosigner-card-title {
    font-size: 1rem;
    font-weight: 700;
    color: #fff;
    margin: 0 0 0.45rem;
}
.cosigner-card-body {
    font-size: 0.87rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.65;
    margin: 0;
}
.cosigner-lower {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    margin-bottom: 2.5rem;
}
.cosigner-info-tile {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.09);
    border-radius: 14px;
    padding: 1.6rem 1.75rem;
    display: flex;
    align-items: flex-start;
    gap: 1.25rem;
}
.cosigner-info-tile.accent {
    border-color: rgba(244,121,32,0.25);
    background: rgba(244,121,32,0.07);
}
.cosigner-tile-icon {
    flex-shrink: 0;
    width: 46px;
    height: 46px;
    background: rgba(244,121,32,0.15);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.cosigner-tile-label {
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.09em;
    color: #F47920;
    font-weight: 700;
    margin: 0 0 0.25rem;
}
.cosigner-tile-title {
    font-size: 1rem;
    font-weight: 700;
    color: #fff;
    margin: 0 0 0.2rem;
}
.cosigner-tile-desc {
    font-size: 0.84rem;
    color: rgba(255,255,255,0.5);
    margin: 0;
    line-height: 1.55;
}
.cosigner-footer-row {
    display: flex;
    align-items: center;
    gap: 2rem;
    flex-wrap: wrap;
}
.cosigner-disclosure-toggle {
    background: none;
    border: none;
    color: rgba(255,255,255,0.4);
    font-size: 0.82rem;
    font-family: inherit;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0;
    transition: color 0.2s;
}
.cosigner-disclosure-toggle:hover { color: rgba(255,255,255,0.7); }
.cosigner-disclosure-panel {
    margin-top: 2rem;
    padding: 1.5rem 1.75rem;
    background: rgba(255,255,255,0.03);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 12px;
    display: none;
}
.cosigner-disclosure-panel.open { display: block; }
.cosigner-disclosure-panel p {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.38);
    line-height: 1.65;
    margin: 0;
}

@media (max-width: 900px) {
    .cosigner-cards { grid-template-columns: 1fr 1fr; }
    .cosigner-lower { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
    .cosigner-cards { grid-template-columns: 1fr; }
}