/* =============================================================================
   Central Lending Solutions — Shared Design System
   Mortgage broker, Osborne Park, Perth. en-AU. Mobile-first. No framework.
   Colour law: 60 bone / 25 ink / 10 rust / 5 amber. One rust event per viewport.
   No drop shadows. Hairline rules only. Fluid clamp() type. 44px touch targets.
   ============================================================================= */

/* ----------------------------------------------------------------------------
   1. TOKENS
   ---------------------------------------------------------------------------- */
:root{
  --bone:#F4EEE3;        /* page surface, 60% */
  --bone-deep:#E8E0D1;   /* cards, receipt rows, inset panels */
  --bone-light:#FAF6EE;  /* alt surface */
  --ink:#0A2540;         /* text + dark panels, 25% */
  --ink-soft:#314A66;    /* secondary text */
  --rust:#D85426;        /* SINGLE CTA accent, 10% */
  --rust-deep:#B43E15;   /* CTA hover/active */
  --amber:#C8851A;       /* awards only, 5% */
  --amber-soft:#E0A845;  /* awards on ink */
  --rule:#C9BFB0;        /* hairline dividers */
  --muted:#6B6353;       /* mono meta text */
  --hairline:#D8CFBF;    /* finest dividers */
  --success:#5C8C5C;     /* form success */
  --error:#A8413A;       /* form error */

  --font-display:'Manrope',-apple-system,BlinkMacSystemFont,sans-serif;
  --font-body:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;
  --font-accent:'Fraunces',Georgia,serif;
  --font-mono:'JetBrains Mono',ui-monospace,monospace;

  --maxw:1240px;
  --gut:clamp(20px,5vw,56px);          /* page side gutter */
  --sect:clamp(64px,9vw,112px);        /* vertical section rhythm */
  --header-h:68px;
}

/* ----------------------------------------------------------------------------
   2. RESET + BASE
   ---------------------------------------------------------------------------- */
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{
  background:var(--bone);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
body.is-locked{overflow:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--rust);text-decoration:none}
a:hover{color:var(--rust-deep)}
button{font-family:inherit}
:focus-visible{outline:2px solid var(--rust);outline-offset:2px}
hr{border:none;border-top:1px solid var(--rule);margin:0}

/* ----------------------------------------------------------------------------
   3. TYPOGRAPHY
   ---------------------------------------------------------------------------- */
h1,h2,h3,h4{font-family:var(--font-display);margin:0 0 .5em;color:var(--ink)}
h1{font-weight:300;font-size:clamp(36px,5vw,48px);line-height:1.05;letter-spacing:-.02em}
h2{font-weight:400;font-size:clamp(28px,4vw,32px);line-height:1.15;letter-spacing:-.015em}
h3{font-weight:500;font-size:22px;line-height:1.25;letter-spacing:-.01em}
h4{font-weight:500;font-size:17px;line-height:1.3}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}
strong,b{font-weight:600}
/* Fraunces editorial accent — rust em-phrase inside headings only, never a sentence */
h1 em,h2 em,h3 em,.fr{
  font-family:var(--font-accent);font-style:italic;font-weight:300;
  color:var(--rust);
}
.lede{font-size:clamp(17px,2.2vw,19px);line-height:1.6;color:var(--ink-soft);max-width:62ch}
.caption{font-family:var(--font-body);font-weight:500;font-size:13px;line-height:1.5;color:var(--muted)}

/* mono primitives */
.eyebrow,.receipt{
  font-family:var(--font-mono);font-weight:500;font-size:11px;line-height:1.7;
  letter-spacing:.16em;text-transform:uppercase;color:var(--muted);
}
.eyebrow{color:var(--rust);margin:0 0 16px}
.eyebrow--ink{color:var(--ink)}

/* ----------------------------------------------------------------------------
   4. LAYOUT HELPERS
   ---------------------------------------------------------------------------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding-left:var(--gut);padding-right:var(--gut)}
.wrap--narrow{max-width:840px}
.section{padding-top:var(--sect);padding-bottom:var(--sect)}
.section--ruled{border-top:1px solid var(--rule)}
.section--bone-deep{background:var(--bone-deep)}
.section--bone-light{background:var(--bone-light)}
.section--ink{background:var(--ink);color:var(--bone)}
.section--ink h1,.section--ink h2,.section--ink h3,.section--ink h4{color:var(--bone)}
.section--ink .lede,.section--ink p{color:rgba(244,238,227,.82)}
.section-head{max-width:760px;margin:0 0 clamp(32px,5vw,56px)}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* ----------------------------------------------------------------------------
   5. BUTTONS
   ---------------------------------------------------------------------------- */
.btn--primary{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  background:var(--rust);color:var(--bone);
  padding:14px 28px;border:none;border-radius:0;
  font-family:var(--font-display);font-weight:500;font-size:15px;
  min-height:48px;cursor:pointer;text-decoration:none;
  transition:background .15s ease;
}
.btn--primary:hover{background:var(--rust-deep);color:var(--bone)}
.btn--secondary{
  display:inline-flex;align-items:center;gap:8px;
  background:transparent;color:var(--ink);
  border:none;border-bottom:1px solid var(--ink);
  padding:14px 4px;min-height:48px;
  font-family:var(--font-display);font-weight:500;font-size:15px;cursor:pointer;
  text-decoration:none;transition:color .15s,border-color .15s;
}
.btn--secondary:hover{color:var(--rust);border-bottom-color:var(--rust)}
.section--ink .btn--secondary{color:var(--bone);border-bottom-color:var(--bone)}
.section--ink .btn--secondary:hover{color:var(--amber-soft);border-bottom-color:var(--amber-soft)}
.btn--block{width:100%}
.cta-cluster{display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px}

/* ----------------------------------------------------------------------------
   6. SITE HEADER
   ---------------------------------------------------------------------------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(244,238,227,.94);
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--rule);
}
.site-header__inner{
  max-width:var(--maxw);margin:0 auto;
  padding:10px var(--gut);
  display:flex;align-items:center;justify-content:space-between;gap:24px;
  min-height:var(--header-h);
}
.site-header__brand{display:flex;align-items:center;flex-shrink:0}
.site-header__brand img{height:34px;width:auto}
.site-header__nav{display:none}
.site-header__actions{display:flex;align-items:center;gap:8px}

.header-call{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-mono);font-weight:500;font-size:11px;
  letter-spacing:.12em;text-transform:uppercase;color:var(--ink);
  text-decoration:none;min-height:44px;padding:0 6px;
}
.header-call:hover{color:var(--rust)}
.header-call svg{width:16px;height:16px;flex-shrink:0}
.header-call__label{display:none}

.site-header__burger{
  display:inline-flex;align-items:center;justify-content:center;
  width:44px;height:44px;background:none;border:none;cursor:pointer;color:var(--ink);
}
.site-header__burger svg{width:24px;height:24px}

/* desktop nav */
@media(min-width:1024px){
  .header-call__label{display:inline}
  .site-header__nav{display:flex;align-items:center;gap:22px;flex:1;justify-content:center}
  .site-header__nav>ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:22px}
  .site-header__nav a{
    font-family:var(--font-display);font-weight:400;font-size:14px;color:var(--ink);
    text-decoration:none;padding:6px 0;border-bottom:1px solid transparent;
    transition:color .15s,border-color .15s;
  }
  .site-header__nav a:hover,.site-header__nav a[aria-current="page"]{color:var(--rust);border-bottom-color:var(--rust)}
  .site-header__burger{display:none}
  .nav-has-drop{position:relative}
  .nav-drop{
    position:absolute;top:100%;left:50%;transform:translateX(-50%);
    min-width:240px;background:var(--bone-light);border:1px solid var(--rule);
    padding:8px;display:none;flex-direction:column;gap:2px;z-index:120;
  }
  .nav-has-drop:hover .nav-drop,.nav-has-drop:focus-within .nav-drop{display:flex}
  .nav-drop a{font-size:13px;padding:9px 12px;border-bottom:none}
  .nav-drop a:hover{background:var(--bone-deep);border-bottom:none}
}

/* mobile drawer */
.site-nav{
  position:fixed;inset:0;top:0;z-index:130;
  background:var(--bone);
  display:flex;flex-direction:column;
  transform:translateX(100%);transition:transform .25s ease;
  visibility:hidden;
}
.site-nav--open{transform:translateX(0);visibility:visible}
.site-nav__top{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px var(--gut);border-bottom:1px solid var(--rule);min-height:var(--header-h);
}
.site-nav__top img{height:34px}
.site-nav__close{width:44px;height:44px;background:none;border:none;cursor:pointer;color:var(--ink)}
.site-nav__close svg{width:24px;height:24px}
.site-nav__list{list-style:none;margin:0;padding:24px var(--gut);flex:1;overflow-y:auto}
.site-nav__list li{border-bottom:1px solid var(--hairline)}
.site-nav__list a{
  display:block;font-family:var(--font-display);font-weight:400;font-size:22px;
  color:var(--ink);text-decoration:none;padding:16px 0;
}
.site-nav__list a:hover{color:var(--rust)}
.site-nav__call{
  display:flex;align-items:center;gap:10px;padding:18px var(--gut);
  border-top:1px solid var(--rule);
  font-family:var(--font-mono);font-size:13px;letter-spacing:.1em;text-transform:uppercase;
  color:var(--ink);text-decoration:none;
}
.site-nav__cta{padding:0 var(--gut) calc(20px + env(safe-area-inset-bottom))}
.site-nav__cta .btn--primary{width:100%}
@media(min-width:1024px){.site-nav{display:none}}

/* ----------------------------------------------------------------------------
   7. MOBILE STICKY BOTTOM CTA
   ---------------------------------------------------------------------------- */
.sticky-cta{
  position:fixed;bottom:0;left:0;right:0;display:flex;z-index:50;
  padding-bottom:env(safe-area-inset-bottom);
  border-top:1px solid var(--rule);background:var(--bone);
}
.sticky-cta a{
  flex:1;min-height:52px;display:flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--font-display);font-weight:500;font-size:15px;text-decoration:none;
}
.sticky-cta a svg{width:18px;height:18px}
.sticky-cta .call{color:var(--ink)}
.sticky-cta .book{background:var(--rust);color:var(--bone)}
.sticky-cta--hidden{transform:translateY(110%);transition:transform .2s ease}
@media(min-width:1024px){.sticky-cta{display:none}}
/* pad page bottom so sticky bar never covers final content on mobile */
@media(max-width:1023px){body{padding-bottom:52px}}

/* ----------------------------------------------------------------------------
   8. RECEIPTS ROW  (.cls-receipts)
   ---------------------------------------------------------------------------- */
.cls-receipts{
  display:flex;flex-wrap:wrap;align-items:center;gap:10px 0;
  border-top:1px solid var(--rule);padding-top:18px;margin-top:8px;
}
.cls-receipts li{
  list-style:none;
  font-family:var(--font-mono);font-weight:500;font-size:11px;line-height:1.5;
  letter-spacing:.12em;text-transform:uppercase;color:var(--muted);
  padding:0 16px;position:relative;
}
.cls-receipts li:first-child{padding-left:0}
.cls-receipts li:not(:first-child)::before{
  content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);
  width:1px;height:11px;background:var(--rule);
}
.cls-receipts ul{display:contents;margin:0;padding:0}
.cls-receipts b{color:var(--ink);font-weight:500}
.section--ink .cls-receipts{border-top-color:rgba(244,238,227,.18)}
.section--ink .cls-receipts li{color:rgba(244,238,227,.62)}
.section--ink .cls-receipts li:not(:first-child)::before{background:rgba(244,238,227,.22)}
.section--ink .cls-receipts b{color:var(--bone)}

/* ----------------------------------------------------------------------------
   9. TRUST BAND  (.cls-trustband)
   ---------------------------------------------------------------------------- */
.cls-trustband{
  display:flex;flex-wrap:wrap;align-items:center;gap:18px 32px;
  padding:22px var(--gut);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);
  background:var(--bone-light);
}
.cls-trustband__inner{max-width:var(--maxw);margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;gap:16px 32px;width:100%}
.cls-trustband__rating{display:flex;align-items:center;gap:10px}
.cls-trustband__stars{color:var(--amber);font-size:16px;letter-spacing:2px}
.cls-trustband__count{font-family:var(--font-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink)}
.cls-trustband__badge{
  font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);
  padding-left:32px;position:relative;
}
.cls-trustband__badge::before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:14px;background:var(--rule)}

/* ----------------------------------------------------------------------------
   10. HERO  (.cls-hero + variants)
   ---------------------------------------------------------------------------- */
.cls-hero{padding-top:clamp(48px,8vw,84px);padding-bottom:clamp(40px,6vw,64px)}
.cls-hero h1{font-weight:300;font-size:clamp(40px,7vw,76px);line-height:1.02;letter-spacing:-.025em;margin-bottom:24px;max-width:16ch}
.cls-hero .lede{margin-bottom:32px}
.cls-hero__cta{margin-bottom:36px}

/* home hero — tri-intent + micro-form */
.cls-hero--home .cls-hero__grid{display:grid;gap:clamp(36px,5vw,64px)}
.cls-hero__intents{display:grid;gap:12px;margin-bottom:28px}
.cls-hero__intent{
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:18px 22px;background:var(--bone-deep);border:1px solid transparent;
  text-decoration:none;color:var(--ink);min-height:60px;transition:border-color .15s,background .15s;
}
.cls-hero__intent:hover{border-color:var(--rust);color:var(--ink);background:var(--bone-light)}
.cls-hero__intent span{font-family:var(--font-display);font-weight:500;font-size:17px}
.cls-hero__intent .ar{color:var(--rust);font-size:18px;line-height:1}

@media(min-width:900px){
  .cls-hero--home .cls-hero__grid{grid-template-columns:1.15fr .85fr;align-items:start}
  .cls-hero__intents{grid-template-columns:1fr}
}

/* pillar / suburb / calc / simple share the simple hero spine */
.cls-hero--simple,.cls-hero--pillar,.cls-hero--suburb,.cls-hero--calc{padding-bottom:clamp(36px,5vw,56px)}
.cls-hero--simple .lede,.cls-hero--pillar .lede,.cls-hero--suburb .lede,.cls-hero--calc .lede{max-width:58ch}

/* ----------------------------------------------------------------------------
   11. LEAD FORM  (.cls-leadform)  — 3-step
   ---------------------------------------------------------------------------- */
.cls-leadform{
  background:var(--bone-light);border:1px solid var(--rule);
  padding:clamp(22px,4vw,32px);
}
.cls-leadform__head{margin-bottom:20px}
.cls-leadform__head .eyebrow{margin-bottom:8px}
.cls-leadform__head h3{margin-bottom:6px}
.cls-leadform progress{
  appearance:none;-webkit-appearance:none;width:100%;height:4px;margin-bottom:24px;
  background:var(--bone-deep);border:none;
}
.cls-leadform progress::-webkit-progress-bar{background:var(--bone-deep)}
.cls-leadform progress::-webkit-progress-value{background:var(--rust)}
.cls-leadform progress::-moz-progress-bar{background:var(--rust)}
.cls-leadform__step[hidden]{display:none}
.cls-leadform fieldset{border:none;margin:0;padding:0}
.cls-leadform legend{
  font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;
  color:var(--rust);margin-bottom:14px;padding:0;
}
.cls-field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.cls-field label{font-family:var(--font-mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.cls-field input,.cls-field select{
  font-family:var(--font-body);font-size:16px;color:var(--ink);
  background:var(--bone);border:1px solid var(--rule);border-radius:0;
  padding:13px 14px;min-height:48px;width:100%;transition:border-color .15s;
}
.cls-field input:focus,.cls-field select:focus{outline:none;border-color:var(--rust)}
.cls-field input[aria-invalid="true"],.cls-field select[aria-invalid="true"]{border-color:var(--error)}
.cls-field__error{font-family:var(--font-body);font-size:12px;color:var(--error);min-height:0}
.cls-field input[aria-invalid="true"]~.cls-field__error{min-height:16px}

/* tap-tiles (step 1 purpose) */
.cls-tiles{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:8px}
.cls-tiles button{
  display:flex;align-items:center;justify-content:center;text-align:center;
  min-height:56px;padding:12px;background:var(--bone-deep);border:1px solid transparent;cursor:pointer;
  font-family:var(--font-display);font-weight:500;font-size:15px;color:var(--ink);transition:.15s;
}
.cls-tiles button:hover{border-color:var(--rust);background:var(--bone-light)}
.cls-tiles button[aria-pressed="true"]{border-color:var(--rust);background:var(--bone-light)}

.cls-leadform__nav{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:8px}
.cls-leadform__micro{
  font-family:var(--font-body);font-size:12px;color:var(--muted);margin-top:14px;
}
.cls-leadform__cb{
  display:inline-flex;align-items:center;gap:8px;padding:6px 0;
  font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink);
}
/* inline (hero) micro-form variant: 4 fields, single screen */
.cls-leadform--inline .cls-tiles{grid-template-columns:repeat(2,1fr)}

/* calculator handoff variant */
.cls-leadform--calc{background:var(--bone-deep)}

/* ----------------------------------------------------------------------------
   12. PILLAR BENTO  (.cls-bento)
   ---------------------------------------------------------------------------- */
.cls-bento{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
.cls-bento__card{
  background:var(--bone);padding:clamp(24px,3vw,32px);display:flex;flex-direction:column;
  text-decoration:none;color:var(--ink);transition:background .15s;min-height:200px;
}
.cls-bento__card:hover{background:var(--bone-light);color:var(--ink)}
.cls-bento__card .eyebrow{margin-bottom:14px}
.cls-bento__card h3{margin-bottom:8px}
.cls-bento__card p{font-size:15px;color:var(--ink-soft);margin-bottom:18px;flex:1}
.cls-bento__more{font-family:var(--font-display);font-weight:500;font-size:14px;color:var(--rust)}
.cls-bento__card:hover .cls-bento__more{color:var(--rust-deep)}
@media(min-width:640px){.cls-bento{grid-template-columns:repeat(2,1fr)}}
@media(min-width:980px){.cls-bento{grid-template-columns:repeat(3,1fr)}}

/* ----------------------------------------------------------------------------
   13. PROCESS STEPS  (.cls-process)
   ---------------------------------------------------------------------------- */
.cls-process{display:grid;gap:1px;background:var(--rule);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.cls-process__step{background:var(--bone);padding:clamp(24px,3vw,32px)}
.cls-process__num{font-family:var(--font-mono);font-weight:500;font-size:11px;letter-spacing:.16em;color:var(--rust);margin-bottom:16px;display:block}
.cls-process__step h3{font-size:19px;margin-bottom:8px}
.cls-process__step p{font-size:15px;color:var(--ink-soft)}
@media(min-width:640px){.cls-process{grid-template-columns:repeat(2,1fr)}}
@media(min-width:980px){.cls-process{grid-template-columns:repeat(4,1fr)}}

/* ----------------------------------------------------------------------------
   14. HOW WE GET PAID  (.cls-getpaid)
   ---------------------------------------------------------------------------- */
.cls-getpaid{
  background:var(--bone-deep);border-left:3px solid var(--rust);
  padding:clamp(24px,4vw,36px);
}
.cls-getpaid .eyebrow{margin-bottom:12px}
.cls-getpaid h2,.cls-getpaid h3{font-size:clamp(22px,3vw,28px);margin-bottom:14px}
.cls-getpaid p{font-size:16px;color:var(--ink-soft);max-width:62ch;margin-bottom:16px}
.cls-getpaid__link{font-family:var(--font-display);font-weight:500;font-size:14px}
/* mini variant — near a CTA */
.cls-getpaid--mini{border-left-width:2px;padding:14px 18px;display:flex;align-items:center;gap:12px}
.cls-getpaid--mini p{font-size:14px;margin:0}

/* ----------------------------------------------------------------------------
   15. TEAM CARDS  (.cls-team)
   ---------------------------------------------------------------------------- */
.cls-team{display:grid;gap:clamp(20px,3vw,28px)}
.cls-team--grid{grid-template-columns:1fr}
.cls-team--feature{grid-template-columns:1fr}
.cls-team__card{background:var(--bone-light);border:1px solid var(--rule);display:flex;flex-direction:column}
.cls-team__photo{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center top;background:var(--bone-deep)}
.cls-team__body{padding:20px 22px}
.cls-team__name{font-family:var(--font-display);font-weight:500;font-size:19px;margin:0 0 2px}
.cls-team__role{font-family:var(--font-mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust);margin:0 0 12px}
.cls-team__cred{font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;color:var(--muted);line-height:1.6;margin:0 0 12px}
.cls-team__bio{font-size:14px;color:var(--ink-soft);margin:0}
@media(min-width:600px){.cls-team--grid{grid-template-columns:repeat(2,1fr)}.cls-team--feature{grid-template-columns:repeat(2,1fr)}}
@media(min-width:980px){.cls-team--grid{grid-template-columns:repeat(3,1fr)}.cls-team--feature{grid-template-columns:repeat(3,1fr)}}

/* ----------------------------------------------------------------------------
   16. SUBURB GRID  (.cls-suburbs)
   ---------------------------------------------------------------------------- */
.cls-suburbs{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
.cls-suburbs__card{
  background:var(--bone);padding:22px 24px;text-decoration:none;color:var(--ink);
  display:flex;flex-direction:column;gap:6px;transition:background .15s;min-height:120px;
}
.cls-suburbs__card:hover{background:var(--bone-light);color:var(--ink)}
.cls-suburbs__name{font-family:var(--font-display);font-weight:500;font-size:18px}
.cls-suburbs__median{font-family:var(--font-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink)}
.cls-suburbs__angle{font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:auto}
@media(min-width:560px){.cls-suburbs{grid-template-columns:repeat(2,1fr)}}
@media(min-width:860px){.cls-suburbs{grid-template-columns:repeat(4,1fr)}}

/* ----------------------------------------------------------------------------
   17. TESTIMONIAL  (.cls-testimonial)
   ---------------------------------------------------------------------------- */
.cls-testimonials{display:grid;gap:clamp(18px,3vw,24px)}
.cls-testimonial{background:var(--bone-light);border:1px solid var(--rule);padding:clamp(22px,3vw,28px);display:flex;flex-direction:column;gap:14px}
.cls-testimonial__stars{color:var(--amber);font-size:15px;letter-spacing:2px}
.cls-testimonial__quote{font-family:var(--font-accent);font-style:italic;font-weight:300;font-size:18px;line-height:1.5;color:var(--ink);margin:0}
.cls-testimonial__meta{font-family:var(--font-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:auto}
.cls-testimonial--tbc{border-style:dashed;background:var(--bone-deep)}
.cls-testimonial__tbc-note{font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--rust)}
@media(min-width:640px){.cls-testimonials{grid-template-columns:repeat(2,1fr)}}
@media(min-width:980px){.cls-testimonials{grid-template-columns:repeat(3,1fr)}}

/* ----------------------------------------------------------------------------
   18. FAQ ACCORDION  (.cls-faq)  — native <details>, zero JS
   ---------------------------------------------------------------------------- */
.cls-faq{border-top:1px solid var(--rule)}
.cls-faq details{border-bottom:1px solid var(--rule)}
.cls-faq summary{
  list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;
  font-family:var(--font-display);font-weight:500;font-size:18px;color:var(--ink);
}
.cls-faq summary::-webkit-details-marker{display:none}
.cls-faq summary::after{
  content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);
  font-family:var(--font-display);font-weight:300;font-size:26px;color:var(--rust);line-height:1;
}
.cls-faq details[open] summary::after{content:"\2013"}
.cls-faq__answer{padding:0 0 24px;max-width:64ch}
.cls-faq__answer p{font-size:15px;color:var(--ink-soft)}

/* ----------------------------------------------------------------------------
   19. CALCULATOR WIDGET  (.cls-calc)
   ---------------------------------------------------------------------------- */
.cls-calc{display:grid;gap:clamp(24px,4vw,40px)}
.cls-calc__inputs{display:grid;gap:16px}
.cls-calc__inputs .cls-field{margin-bottom:0}
.cls-calc__result{
  background:var(--ink);color:var(--bone);padding:clamp(24px,4vw,36px);
  display:flex;flex-direction:column;gap:8px;align-self:start;
}
.cls-calc__result-label{font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--amber-soft)}
.cls-calc__result-value{font-family:var(--font-display);font-weight:200;font-size:clamp(40px,7vw,64px);line-height:1;letter-spacing:-.03em;color:var(--bone)}
.cls-calc__result-sub{font-family:var(--font-mono);font-size:12px;letter-spacing:.06em;color:rgba(244,238,227,.7);line-height:1.7}
.cls-calc__result .btn--primary{margin-top:16px}
.cls-calc__assumptions{font-family:var(--font-mono);font-size:11px;line-height:1.7;letter-spacing:.04em;color:var(--muted);border-top:1px solid var(--rule);padding-top:16px}
@media(min-width:860px){.cls-calc{grid-template-columns:1fr .85fr}}

/* generic comparison table */
.cls-table{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0 24px}
.cls-table caption{text-align:left;font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust);margin-bottom:12px}
.cls-table th,.cls-table td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--rule);vertical-align:top}
.cls-table thead th{font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:500;border-bottom:1px solid var(--ink)}
.cls-table tbody th{font-weight:600;color:var(--ink)}
.cls-table--scroll{display:block;overflow-x:auto}

/* ----------------------------------------------------------------------------
   20. CTA BAND  (.cls-ctaband)
   ---------------------------------------------------------------------------- */
.cls-ctaband{padding-top:var(--sect);padding-bottom:var(--sect)}
.cls-ctaband--rust{background:var(--rust);color:var(--bone)}
.cls-ctaband--rust h2,.cls-ctaband--rust .cls-ctaband__lede{color:var(--bone)}
.cls-ctaband--rust .btn--primary{background:var(--ink);color:var(--bone)}
.cls-ctaband--rust .btn--primary:hover{background:#06182b}
.cls-ctaband__inner{max-width:var(--maxw);margin:0 auto;padding:0 var(--gut);max-width:840px;text-align:center}
.cls-ctaband h2{font-size:clamp(28px,4.5vw,42px);margin-bottom:14px}
.cls-ctaband__lede{font-size:17px;color:rgba(244,238,227,.85);max-width:56ch;margin:0 auto 28px}
.cls-ctaband--rust .cls-ctaband__lede{color:rgba(244,238,227,.92)}
.cls-ctaband .cta-cluster{justify-content:center;margin-bottom:24px}
.cls-ctaband__call{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-mono);font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--bone);text-decoration:none;
}
.cls-ctaband__call:hover{color:var(--amber-soft)}
.cls-ctaband .cls-receipts{justify-content:center;display:flex}

/* ----------------------------------------------------------------------------
   21. LENDER STRIP  (.cls-lenderstrip)
   ---------------------------------------------------------------------------- */
.cls-lenderstrip__lead{font-size:15px;color:var(--ink-soft);max-width:60ch;margin:0 auto 32px;text-align:center}
.cls-lenderstrip__grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule);align-items:stretch;
}
.cls-lenderstrip__item{
  background:var(--bone);display:flex;align-items:center;justify-content:center;
  padding:22px 16px;min-height:90px;
}
.cls-lenderstrip__item img{max-height:38px;width:auto;filter:none;opacity:1;transition:transform .2s}
.cls-lenderstrip__item:hover img{transform:translateY(-1px)}
.cls-lenderstrip__item--anchor{background:var(--bone-deep)}
.cls-lenderstrip__item--anchor img{filter:grayscale(0);opacity:1}
@media(min-width:560px){.cls-lenderstrip__grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:820px){.cls-lenderstrip__grid{grid-template-columns:repeat(5,1fr)}}
@media(min-width:1040px){.cls-lenderstrip__grid{grid-template-columns:repeat(7,1fr)}}

/* ----------------------------------------------------------------------------
   22. BREADCRUMB  (.cls-breadcrumb)
   ---------------------------------------------------------------------------- */
.cls-breadcrumb{padding:16px var(--gut) 0;max-width:var(--maxw);margin:0 auto}
.cls-breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;
  font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.cls-breadcrumb a{color:var(--muted)}
.cls-breadcrumb a:hover{color:var(--rust)}
.cls-breadcrumb li:not(:last-child)::after{content:"\203A";margin-left:8px;color:var(--rule)}
.cls-breadcrumb li[aria-current="page"]{color:var(--ink)}

/* ----------------------------------------------------------------------------
   23. SITE FOOTER  (.site-footer)
   ---------------------------------------------------------------------------- */
.lender-strip{background:var(--bone-light);border-top:1px solid var(--rule);padding:32px var(--gut)}
.lender-strip__inner{max-width:var(--maxw);margin:0 auto}
.lender-strip__label{font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);text-align:center;margin-bottom:20px}

.site-footer{background:var(--ink);color:rgba(244,238,227,.78)}
.site-footer__inner{max-width:var(--maxw);margin:0 auto;padding:clamp(48px,7vw,72px) var(--gut)}
.site-footer__cols{display:grid;gap:36px}
.site-footer h4{font-family:var(--font-mono);font-weight:500;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--amber-soft);margin:0 0 16px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:10px}
.site-footer a{color:rgba(244,238,227,.78);text-decoration:none;font-size:14px}
.site-footer a:hover{color:var(--bone)}
.site-footer__logo{height:32px;width:auto;margin-bottom:18px;filter:brightness(0) invert(1)}
.site-footer__nap{font-size:14px;line-height:1.7;font-style:normal}
.site-footer__nap strong{color:var(--bone);font-weight:600;display:block;margin-bottom:8px}
.site-footer .receipt{display:block;color:rgba(244,238,227,.6);margin-bottom:10px;font-size:10px;letter-spacing:.1em}
.site-footer__legal{border-top:1px solid rgba(244,238,227,.16);padding:24px var(--gut)}
.site-footer__legal-inner{max-width:var(--maxw);margin:0 auto;display:flex;flex-wrap:wrap;gap:10px 24px;align-items:baseline;font-size:12px;color:rgba(244,238,227,.55)}
.site-footer__legal a{font-size:12px;color:rgba(244,238,227,.72)}
.site-footer__credit{flex-basis:100%;line-height:1.6;max-width:90ch}
@media(min-width:640px){.site-footer__cols{grid-template-columns:repeat(2,1fr)}}
@media(min-width:980px){.site-footer__cols{grid-template-columns:1.4fr 1fr 1fr 1.2fr}}

/* ----------------------------------------------------------------------------
   24. UTILITIES / MISC
   ---------------------------------------------------------------------------- */
.tbc{font-family:var(--font-mono);font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--rust);background:rgba(216,84,38,.08);padding:1px 6px}
.split{display:grid;gap:clamp(28px,4vw,48px)}
@media(min-width:860px){.split{grid-template-columns:1fr 1fr;align-items:center}}
.media-frame{border:1px solid var(--rule);overflow:hidden}
.media-frame img{width:100%;height:100%;object-fit:cover;display:block}

/* reduced motion */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}