/* ==========================================================================
   GSSMCS — home page (index.html)
   ========================================================================== */

.page { position: relative; min-height: 100vh; background-color: var(--color-surface); }
.page main { position: relative; z-index: 10; }

.container {
  width: 100%;
  max-width: 80rem;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}
@media (min-width: 1024px) { .container { padding-left: 3rem; padding-right: 3rem; } }

.section-spacing {
  padding-top: clamp(3.5rem, 6vw, 6rem);
  padding-bottom: clamp(3.5rem, 6vw, 6rem);
}

.eyebrow { margin-bottom: 0.75rem; }

/* Three.js particle background (js/particles.js) */
.particles {
  position: fixed;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
  background: transparent;
}

/* ==========================================================================
   Top bar: logo (left) and theme/menu controls (right), both fixed
   ========================================================================== */
.topbar-brand,
.topbar-controls {
  position: fixed;
  z-index: 50;
  display: flex;
  align-items: center;
  height: 3rem;
  top: max(1.25rem, calc(env(safe-area-inset-top, 0px) + 0.5rem));
}
.topbar-brand { left: max(1rem, calc(env(safe-area-inset-left, 0px) + 1rem)); }
.topbar-controls {
  right: max(1rem, calc(env(safe-area-inset-right, 0px) + 1rem));
  gap: 0.375rem;
}
@media (min-width: 640px) {
  .topbar-brand { top: 2rem; left: 2.5rem; }
  .topbar-controls { top: 2rem; right: 2.5rem; gap: 0.625rem; }
}

.brand-link {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  user-select: none;
}
.brand-link__logo {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 2.25rem;
  height: 2.25rem;
  transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1);
}
.brand-link:hover .brand-link__logo { transform: scale(1.05); }
.brand-link__logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  filter: drop-shadow(0 1px 1px rgb(0 0 0 / 0.05));
}

/* The wordmark collapses once the page is scrolled (body.is-scrolled). */
.brand-link__text {
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
  max-width: 165px;
  max-height: 3rem;
  opacity: 1;
  transition: all 500ms cubic-bezier(0, 0, 0.2, 1);
}
.is-scrolled .brand-link__text {
  max-width: 0;
  max-height: 0;
  opacity: 0;
  transform: translateX(-0.75rem);
  pointer-events: none;
}

.brand-link__mobile { display: flex; flex-direction: column; justify-content: center; gap: 0.125rem; }
.brand-link__mobile strong {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 13px;
  line-height: 1.25;
  letter-spacing: -0.025em;
  white-space: nowrap;
  color: var(--color-primary);
}
.brand-link__mobile span {
  max-width: 100%;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  font-size: 7.5px;
  line-height: 1.25;
  font-weight: 500;
  letter-spacing: -0.025em;
  color: var(--color-text-subtle);
}
.brand-link__desktop { display: none; flex-direction: column; justify-content: center; }
.brand-link__desktop strong {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.5rem;
  line-height: 2rem;
  letter-spacing: -0.025em;
  white-space: nowrap;
  color: var(--color-primary);
}
.brand-link__desktop span {
  margin-top: 0.25rem;
  font-size: 11px;
  line-height: 1;
  font-weight: 600;
  letter-spacing: 0.025em;
  text-transform: uppercase;
  white-space: nowrap;
  color: var(--color-text-subtle);
}
html.dark .brand-link__mobile strong,
html.dark .brand-link__desktop strong { color: #fff; }
html.dark .brand-link__mobile span,
html.dark .brand-link__desktop span { color: rgba(255, 255, 255, 0.7); }

@media (min-width: 360px) { .brand-link__mobile span { font-size: 7.8px; } }
@media (min-width: 375px) {
  .brand-link__logo { width: 2.5rem; height: 2.5rem; }
  .brand-link__text { max-width: 240px; }
  .brand-link__mobile strong { font-size: 0.875rem; line-height: 1.25rem; }
}
@media (min-width: 390px) { .brand-link__mobile span { font-size: 8.5px; letter-spacing: 0; } }
@media (min-width: 410px) { .brand-link__text { max-width: 280px; } }
@media (min-width: 640px) {
  .brand-link { gap: 0.75rem; }
  .brand-link__logo { width: 3rem; height: 3rem; }
  .brand-link__text { max-width: 36rem; }
  .brand-link__mobile { display: none; }
  .brand-link__desktop { display: flex; }
}

.topbar-divider {
  width: 1px;
  height: 0.875rem;
  margin: auto 0;
  background-color: #cbd5e1;
}
html.dark .topbar-divider { background-color: rgba(255, 255, 255, 0.2); }

.menu-toggle {
  display: flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.375rem 0.25rem;
}
.menu-toggle:focus { outline: none; }
.menu-toggle__label {
  overflow: hidden;
  max-width: 80px;
  opacity: 1;
  transition: all 500ms cubic-bezier(0, 0, 0.2, 1);
}
.is-scrolled .menu-toggle__label {
  max-width: 0;
  opacity: 0;
  transform: translateX(0.75rem);
  pointer-events: none;
}
.menu-toggle__label .label-micro { white-space: nowrap; transition: color 150ms; }
html.dark .menu-toggle__label .label-micro { color: #fff; }
.menu-toggle:hover .menu-toggle__label .label-micro { color: var(--color-sapphire); }

.star-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 1.25rem;
  height: 1.25rem;
  color: var(--color-primary);
  transition: all 500ms cubic-bezier(0, 0, 0.2, 1);
}
.star-icon svg { width: 1rem; height: 1rem; fill: currentColor; }
html.dark .star-icon { color: #fff; }
.menu-toggle:hover .star-icon { color: var(--color-sapphire); transform: rotate(45deg); }

@media (min-width: 640px) {
  .menu-toggle { gap: 0.625rem; padding-left: 0.5rem; padding-right: 0.5rem; }
  .menu-toggle__label .label-micro { letter-spacing: 0.35em; }
  .star-icon { width: 1.5rem; height: 1.5rem; }
  .star-icon svg { width: 1.25rem; height: 1.25rem; }
}

/* ==========================================================================
   Full-screen menu overlay
   ========================================================================== */
.menu {
  position: fixed;
  inset: 0;
  z-index: 70;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background-color: rgba(12, 34, 64, 0.95);
  -webkit-backdrop-filter: blur(40px);
  backdrop-filter: blur(40px);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: all 500ms cubic-bezier(0.4, 0, 0.2, 1);
}
html.dark .menu { background-color: rgba(7, 11, 20, 0.95); }
.menu.is-open { opacity: 1; visibility: visible; pointer-events: auto; }

.menu__top,
.menu__bottom {
  width: 100%;
  max-width: 80rem;
  margin: 0 auto;
  padding-left: max(1.5rem, calc(env(safe-area-inset-left, 0px) + 1.5rem));
  padding-right: max(1.5rem, calc(env(safe-area-inset-right, 0px) + 1.5rem));
}
.menu__top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: max(1.25rem, calc(env(safe-area-inset-top, 0px) + 0.5rem));
}
.menu__brand { display: flex; align-items: center; gap: 0.75rem; }
.menu__brand img { width: 2rem; height: 2rem; object-fit: contain; flex-shrink: 0; }
.menu__brand strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.125rem;
  line-height: 1;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: #fff;
}
.menu__brand span {
  display: block;
  margin-top: 0.125rem;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
}

.menu__controls { display: flex; align-items: center; gap: 0.5rem; }
.menu__controls .icon-btn { color: rgba(255, 255, 255, 0.8); }
.menu__controls .icon-btn:hover { color: #fff; background-color: rgba(255, 255, 255, 0.1); }
.menu__controls .topbar-divider { background-color: rgba(255, 255, 255, 0.2); }

.menu__close { display: flex; align-items: center; gap: 0.75rem; padding: 0.5rem 0.75rem; }
.menu__close:focus { outline: none; }
.menu__close .label-micro { transition: color 150ms; }
.menu__close .star-icon { color: #fff; transition-duration: 300ms; transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1); }
.menu__close .star-icon svg { width: 1.25rem; height: 1.25rem; }
.menu__close:hover .label-micro,
.menu__close:hover .star-icon { color: var(--color-accent); }
.menu__close:hover .star-icon { transform: rotate(90deg); }

.menu__body {
  flex: 1;
  display: flex;
  align-items: center;
  width: 100%;
  max-width: 80rem;
  margin: 0 auto;
  padding: 3rem 1.5rem;
}
.menu__body-inner { display: flex; align-items: center; gap: 3rem; width: 100%; }

.menu__ornament {
  display: none;
  flex-direction: column;
  align-items: center;
  gap: 1.5rem;
  opacity: 0.3;
  user-select: none;
}
.menu__ornament i { display: block; transform: rotate(45deg); }
.menu__ornament i:nth-child(1) { width: 0.75rem; height: 0.75rem; border-top: 1px solid #fff; border-left: 1px solid #fff; }
.menu__ornament i:nth-child(2) { width: 0.5rem; height: 0.5rem; background-color: rgba(255, 255, 255, 0.5); }
.menu__ornament i:nth-child(3) { width: 0.75rem; height: 0.75rem; border-bottom: 1px solid #fff; border-right: 1px solid #fff; }
.menu__ornament i:nth-child(4) { width: 1px; height: 4rem; transform: none; background-image: linear-gradient(to bottom, #fff, transparent); }

.menu__nav { display: flex; flex-direction: column; gap: 1rem; }
.menu__nav a {
  font-family: var(--font-serif);
  font-size: 2.25rem;
  line-height: 2.5rem;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: #fff;
  opacity: 0.5;
  transition: all 300ms cubic-bezier(0.4, 0, 0.2, 1);
}
/* Hovering one link dims the others. */
.menu__nav:has(a:hover) a { opacity: 0.2; }
.menu__nav a:hover { opacity: 1 !important; transform: translateX(0.75rem); }

.menu__bottom {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  padding-top: 1.5rem;
  padding-bottom: max(2.5rem, calc(env(safe-area-inset-bottom, 0px) + 1.25rem));
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.75rem;
  line-height: 1rem;
  color: rgba(255, 255, 255, 0.6);
}
.menu__contact { display: flex; flex-wrap: wrap; align-items: center; gap: 0.75rem; }
.menu__contact .dot { display: none; color: rgba(255, 255, 255, 0.2); }
.menu__licence { color: rgba(255, 255, 255, 0.5); }

@media (min-width: 640px) {
  .menu__top { padding-top: 3rem; }
  .menu__controls { gap: 0.75rem; }
  .menu__nav { gap: 1.5rem; }
  .menu__nav a { font-size: 3rem; line-height: 1; }
  .menu__bottom { flex-direction: row; align-items: center; padding-bottom: 3rem; }
  .menu__contact { gap: 1rem; }
  .menu__contact .dot { display: inline; }
}
@media (min-width: 768px) { .menu__ornament { display: flex; } }
@media (min-width: 1024px) {
  .menu__body { padding-left: 4rem; padding-right: 4rem; }
  .menu__body-inner { gap: 5rem; }
  .menu__nav { gap: 2rem; }
  .menu__nav a { font-size: 4.5rem; }
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  overflow: hidden;
  min-height: 100vh;
  min-height: 100dvh;
  padding-top: clamp(7.5rem, 25vh, 12rem);
  padding-top: clamp(7.5rem, 25dvh, 12rem);
  padding-bottom: 4rem;
}
@media (min-width: 640px) { .hero { padding-bottom: 6rem; } }
@media (min-width: 1024px) {
  .hero { justify-content: center; padding-top: 9rem; min-height: 100vh; }
}

/* Opacity/translate are driven by scroll in js/home.js. */
.hero__copy { width: 100%; will-change: transform; transition: transform 75ms cubic-bezier(0, 0, 0.2, 1); }
@media (min-width: 1024px) { .hero__copy { width: 66.666667%; } }

.hero__title { font-size: 2.85rem; }
.hero__lead {
  max-width: 42rem;
  margin-top: 1.5rem;
  font-size: 1.125rem;
  line-height: 1.625;
  color: var(--color-text-muted);
}
@media (min-width: 640px) {
  .hero__title { font-size: 3rem; line-height: 1.10; }
  .hero__lead { margin-top: 2rem; font-size: 1.25rem; line-height: 1.75rem; }
}
@media (min-width: 768px) {
  .hero__title { font-size: 3.75rem; line-height: 1; }
  .hero__lead { font-size: 1.5rem; line-height: 2rem; }
}
@media (min-width: 1024px) { .hero__title { font-size: 4.5rem; } }

/* Entrance: fade/rise in shortly after load. */
.hero__title,
.hero__lead {
  opacity: 0;
  transform: translateY(1.75rem);
  filter: blur(4px);
  transition: all 1000ms var(--ease-out-expo);
}
.hero__lead { transition-delay: 150ms; }
.hero.is-ready .hero__title,
.hero.is-ready .hero__lead { opacity: 1; transform: none; filter: none; }

.hero__scroll-cue {
  position: absolute;
  bottom: 2.5rem;
  left: 1.5rem;
  display: none;
  flex-direction: column;
  align-items: flex-start;
  user-select: none;
  transition: opacity 150ms cubic-bezier(0.4, 0, 0.2, 1);
}
.hero__scroll-cue .label-micro { margin-bottom: 1rem; }
.hero__scroll-cue i {
  display: block;
  width: 2px;
  height: 3.5rem;
  background-color: var(--color-crimson);
  transform-origin: top;
  animation: pulse-line 2.2s ease-in-out infinite;
}
@media (min-width: 640px) {
  .hero__scroll-cue { bottom: 3rem; }
  .hero__scroll-cue i { height: 4rem; }
}
@media (min-width: 1024px) { .hero__scroll-cue { display: flex; left: 3rem; } }

/* ==========================================================================
   Scroll reveal (.reveal > .reveal__inner) — js/ui.js
   The outer element also fades out as it leaves the top of the viewport.
   ========================================================================== */
.reveal { will-change: transform; transition: transform 75ms cubic-bezier(0, 0, 0.2, 1); }
.reveal__inner {
  opacity: 0;
  transform: translateY(32px);
  filter: blur(4px);
  will-change: transform, opacity, filter;
  transition: all 1000ms var(--ease-out-expo);
  transition-delay: var(--delay, 0ms);
}
.reveal.is-visible > .reveal__inner { opacity: 1; transform: translateY(0); filter: blur(0); }
.reveal--fill,
.reveal--fill > .reveal__inner { display: flex; flex-direction: column; height: 100%; }

/* Rounded photo that rises in when scrolled into view. */
.media { position: relative; width: 100%; will-change: transform; transition: transform 75ms cubic-bezier(0, 0, 0.2, 1); }
.media__frame {
  position: relative;
  overflow: hidden;
  border-radius: 1rem;
  border: 1px solid #e2e8f0cc;
  background-color: #f1f5f9;
  box-shadow: 0 25px 60px -15px rgba(12, 34, 64, 0.08);
  opacity: 0;
  transform: translateY(3rem) scale(0.94);
  filter: blur(3px);
  transition: all 1000ms var(--ease-out-expo);
}
.media.is-visible .media__frame { opacity: 1; transform: none; filter: blur(0); }
.media__frame::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  box-shadow: inset 0 0 0 1px rgb(0 0 0 / 0.05);
  pointer-events: none;
}
.media__ratio { position: relative; width: 100%; aspect-ratio: 16 / 10; overflow: hidden; }
.media__ratio img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  will-change: transform;
  transition: transform 700ms cubic-bezier(0, 0, 0.2, 1);
}
.media:hover .media__ratio img { transform: scale(1.05); }
@media (min-width: 640px) { .media__frame { border-radius: 1.5rem; } }

.media--narrow { max-width: 42rem; }
@media (min-width: 1024px) { .media--right { margin-left: auto; } }

/* ==========================================================================
   Story sections (impact + community): copy, two gauges, offset photo
   ========================================================================== */
.story__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: start;
  margin-bottom: 4rem;
}
.story__grid--media { align-items: center; margin-bottom: 0; }
.story__copy { display: flex; flex-direction: column; }
.story__intro { margin-bottom: 2.5rem; }
.story__intro .heading-b { margin-bottom: 1.5rem; }
.story__body {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  font-size: 1rem;
  line-height: 1.625;
  color: var(--color-text-muted);
}
.story__body--spaced { margin-bottom: 2rem; }
.story__cta { margin-bottom: 2.5rem; }
.story__spacer { display: none; }

@media (min-width: 640px) {
  .story__intro { margin-bottom: 3rem; }
  .story__body { font-size: 1.25rem; line-height: 1.75rem; }
}
@media (min-width: 1024px) {
  .story__grid { grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 4rem; margin-bottom: 6rem; }
  .story__grid--media { margin-bottom: 0; }
  .story__copy, .story__wide { grid-column: span 7 / span 7; }
  .story__spacer { display: block; grid-column: span 5 / span 5; }
}

.gauges {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  gap: 2.5rem;
  padding-top: 0.5rem;
}
@media (min-width: 640px) { .gauges { flex-direction: row; align-items: flex-start; gap: 3.5rem; } }

/* Circular progress gauge — js/home.js fills the ring when in view. */
.gauge { display: flex; flex-direction: column; align-items: center; }
.gauge__ring {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 14rem;
  height: 14rem;
  margin-bottom: 1.25rem;
}
.gauge__ring svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.gauge__track { fill: none; stroke: #CBD5E1; stroke-width: 2; }
.gauge__fill {
  fill: none;
  stroke: url(#gauge-gradient);
  stroke-width: 3.5;
  stroke-linecap: round;
  transition: stroke-dashoffset 2s var(--ease-out-expo);
}
.gauge__value {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}
.gauge__value span {
  font-family: var(--font-serif);
  font-size: 2.25rem;
  line-height: 2.5rem;
  font-weight: 700;
  letter-spacing: -0.025em;
}
.gauge__label {
  max-width: 240px;
  text-align: center;
  font-size: 0.875rem;
  line-height: 1.375;
  font-weight: 600;
  color: var(--color-text-muted);
}
@media (min-width: 640px) {
  .gauge__ring { width: 16rem; height: 16rem; }
  .gauge__value span { font-size: 3rem; line-height: 1; }
  .gauge__label { font-size: 1rem; line-height: 1.5rem; }
}
@media (min-width: 1024px) { .gauge__value span { font-size: 3.75rem; } }

/* ==========================================================================
   Cooperative schemes
   ========================================================================== */
.schemes { display: flex; flex-direction: column; gap: 3rem; }
.schemes__intro { max-width: 48rem; }
.schemes__intro .heading-b { margin-bottom: 1.25rem; }
.schemes__intro p {
  font-size: 1rem;
  line-height: 1.625;
  color: var(--color-text-muted);
}

.schemes__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  align-items: stretch;
}

.scheme {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
  padding: 1.75rem;
  border-radius: 1.5rem;
  box-shadow: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  transition: all 300ms cubic-bezier(0.4, 0, 0.2, 1);
}
.scheme__content { flex: 1; display: flex; flex-direction: column; }
.scheme__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.scheme__badge { display: flex; align-items: center; gap: 0.625rem; }
.scheme__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 0.75rem;
  background-color: var(--color-accent-light);
  color: var(--color-accent);
}
.scheme__icon .icon { width: 1.25rem; height: 1.25rem; stroke-width: 1.75; }
html.dark .scheme__icon { background-color: rgba(255, 255, 255, 0.1); }
.scheme__number {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 600;
  color: var(--color-text-subtle);
}
.scheme h3 {
  display: flex;
  align-items: flex-start;
  min-height: 3.25rem;
  margin-bottom: 0.5rem;
  font-family: var(--font-serif);
  font-size: 1.25rem;
  line-height: 1.375;
  font-weight: 700;
  color: var(--color-primary);
}
.scheme__highlight {
  display: flex;
  align-items: center;
  min-height: 1.75rem;
  margin-bottom: 0.75rem;
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--color-sapphire);
}
html.dark .scheme__highlight { color: var(--color-accent); }
.scheme__desc {
  flex: 1;
  font-size: 0.875rem;
  line-height: 1.625;
  color: var(--color-text-muted);
}

/* Featured card (patronage refund) */
.scheme--featured {
  overflow: hidden;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.15);
  background-image: linear-gradient(to bottom right, #0C2240, #102C54, #1954EC);
  box-shadow: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);
}
.scheme--featured::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 12rem;
  height: 12rem;
  border-radius: 9999px;
  background-image: linear-gradient(to bottom left, rgb(251 191 36 / 0.2), transparent);
  filter: blur(40px);
  pointer-events: none;
}
.scheme--featured .scheme__icon { background-color: rgba(255, 255, 255, 0.1); color: #fbbf24; }
.scheme--featured .scheme__number { color: rgba(255, 255, 255, 0.4); }
.scheme--featured h3 { color: #fff; }
.scheme--featured .scheme__highlight { color: rgba(255, 255, 255, 0.7); }
.scheme--featured .scheme__desc { color: rgba(255, 255, 255, 0.85); }

.schemes__more {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: center;
  padding-top: 1.5rem;
}
.schemes__more-copy { display: flex; flex-direction: column; justify-content: center; }
.schemes__more-copy .heading-c { margin-bottom: 1rem; font-size: 1.5rem; }
.schemes__more-copy p {
  margin-bottom: 2rem;
  font-size: 1rem;
  line-height: 1.625;
  color: var(--color-text-muted);
}

@media (min-width: 640px) {
  .schemes { gap: 4rem; }
  .schemes__intro p { font-size: 1.125rem; line-height: 1.75rem; }
  .scheme { padding: 2rem; }
  .scheme h3 { font-size: 1.5rem; line-height: 2rem; }
  .scheme__desc { font-size: 1rem; line-height: 1.5rem; }
  .schemes__more-copy .heading-c { font-size: 1.875rem; line-height: 2.25rem; }
  .schemes__more-copy p { font-size: 1.125rem; line-height: 1.75rem; }
}
@media (min-width: 768px) { .schemes__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) {
  .schemes__intro p { font-size: 1.25rem; line-height: 1.75rem; }
  .schemes__grid { grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 2rem; }
  .schemes__grid > * { grid-column: span 2 / span 2; }
  .schemes__grid > :nth-child(4) { grid-column-start: 2; }
  .schemes__more { grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 4rem; }
  .schemes__more > :first-child { grid-column: span 7 / span 7; }
  .schemes__more-copy { grid-column: span 5 / span 5; }
  .schemes__more-copy .heading-c { font-size: 2.25rem; line-height: 2.5rem; }
}

/* ==========================================================================
   Loan calculator
   ========================================================================== */
.calc { display: flex; flex-direction: column; gap: 3rem; }
.calc__side { display: flex; flex-direction: column; justify-content: space-between; gap: 2rem; width: 100%; }
.calc__main { display: flex; flex-direction: column; width: 100%; }
.calc__main > .reveal { flex: 1; }

.underwriting {
  position: relative;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
  padding: 2rem;
  border-radius: 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background-image: linear-gradient(to bottom right, #0C2240, #102C54, var(--color-sapphire));
  box-shadow: 0 25px 50px -12px rgb(0 0 0 / 0.25);
}
.underwriting h2 {
  margin-bottom: 1rem;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  line-height: 1.375;
  font-weight: 700;
  color: #fff;
}
.underwriting p {
  margin-bottom: 1.5rem;
  font-size: 1rem;
  line-height: 1.625;
  color: rgba(255, 255, 255, 0.85);
}
.underwriting__points {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}
.underwriting__points div { display: flex; align-items: center; gap: 0.625rem; }
.underwriting__points .icon { width: 1.25rem; height: 1.25rem; color: var(--color-accent); }
.underwriting__points span { font-size: 0.875rem; line-height: 1.25rem; font-weight: 500; color: #fff; }

.estimator {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  width: 100%;
  height: 100%;
  padding: 2rem;
  border-radius: 1.5rem;
  box-shadow: 0 1px 2px 0 rgb(0 0 0 / 0.05);
}
.estimator__head { margin-bottom: 1.5rem; }
.estimator__kicker { display: flex; align-items: center; gap: 0.5rem; margin-bottom: 0.5rem; }
.estimator__kicker .icon { width: 1.25rem; height: 1.25rem; stroke-width: 1.5; color: var(--color-sapphire); }
.estimator__head .heading-c { font-size: 1.5rem; }

.estimator__fields {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 2rem;
  margin-bottom: 2rem;
}
.field__head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 0.75rem; }
.field__head label { font-size: 0.875rem; line-height: 1.25rem; font-weight: 500; color: var(--color-text-main); }
.field__amount {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  line-height: 2rem;
  font-weight: 500;
}
.field__months {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  line-height: 1.75rem;
  font-weight: 500;
  color: var(--color-sapphire);
}
.field input[type="range"] {
  width: 100%;
  height: 0.5rem;
  border-radius: 0.5rem;
  background-color: #e2e8f0;
  accent-color: var(--color-sapphire);
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
}
.field__range {
  display: flex;
  justify-content: space-between;
  margin-top: 0.5rem;
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 300;
  color: var(--color-text-subtle);
}

.estimator__results {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
  padding: 1.5rem;
  border-radius: 1rem;
  border: 1px solid #f1f5f9;
  background-color: var(--color-surface);
  text-align: center;
}
.estimator__results small {
  display: block;
  margin-bottom: 0.25rem;
  font-size: 0.75rem;
  line-height: 1rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--color-text-subtle);
}
.estimator__results output {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  line-height: 1.75rem;
  font-weight: 300;
  color: var(--color-text-main);
}
.estimator__results output.gradient-text { font-size: 1.5rem; line-height: 2rem; }

.estimator__footer {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.estimator__rate {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  line-height: 1rem;
  color: var(--color-text-subtle);
}
.estimator__rate i {
  width: 0.5rem;
  height: 0.5rem;
  border-radius: 9999px;
  background-color: #10b981;
  animation: pulse 2s cubic-bezier(0.4, 0, 0.6, 1) infinite;
}
.estimator__footer .btn-trace { width: 100%; }

@media (min-width: 640px) {
  .underwriting { padding: 2.5rem; }
  .underwriting h2 { font-size: 1.875rem; line-height: 2.25rem; }
  .underwriting p { font-size: 1.125rem; line-height: 1.75rem; }
  .estimator { padding: 3rem; }
  .estimator__head .heading-c { font-size: 1.875rem; line-height: 2.25rem; }
  .field__amount { font-size: 1.875rem; line-height: 2.25rem; }
  .field__months { font-size: 1.5rem; line-height: 2rem; }
  .estimator__results { grid-template-columns: repeat(3, minmax(0, 1fr)); padding: 2rem; text-align: left; }
  .estimator__results output { font-size: 1.5rem; line-height: 2rem; }
  .estimator__results output.gradient-text { font-size: 1.875rem; line-height: 2.25rem; }
  .estimator__footer { flex-direction: row; }
  .estimator__footer .btn-trace { width: auto; }
}
@media (min-width: 1024px) {
  .calc { flex-direction: row; align-items: stretch; gap: 4rem; }
  .calc__side { width: 41.666667%; }
  .calc__main { width: 58.333333%; }
  .underwriting h2 { font-size: 2.25rem; line-height: 2.5rem; }
}

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq__title { max-width: 42rem; margin: 0 auto 3.5rem; text-align: center; }
.faq__list { max-width: 48rem; margin: 0 auto; }
.faq__list > * + * { border-top: 1px solid #e2e8f0; }
html.dark .faq__list > * + * { border-top-color: rgba(255, 255, 255, 0.1); }
.faq__item { padding: 0.5rem 0; }

.faq__question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 1.5rem 0;
  text-align: left;
}
.faq__question:focus { outline: none; }
.faq__question > span:first-child {
  padding-right: 1.5rem;
  font-family: var(--font-serif);
  font-size: 1.125rem;
  line-height: 1.75rem;
  font-weight: 700;
  color: var(--color-primary);
  transition: color 150ms;
}
.faq__question:hover > span:first-child { color: var(--color-sapphire); }
.faq__chevron {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 2rem;
  height: 2rem;
  border-radius: 9999px;
  border: 1px solid #cbd5e1cc;
  background-color: #e2e8f0;
  color: #1e293b;
  transition: all 300ms cubic-bezier(0.4, 0, 0.2, 1);
}
.faq__chevron .icon { stroke-width: 2.5; transition: transform 500ms var(--ease-out-expo); }
html.dark .faq__chevron { border-color: rgba(255, 255, 255, 0.2); background-color: rgba(255, 255, 255, 0.1); color: #fff; }
.is-open .faq__chevron .icon { transform: rotate(180deg); }

/* Height animates via grid rows 0fr -> 1fr. */
.collapse {
  display: grid;
  grid-template-rows: 0fr;
  opacity: 0;
  transition: grid-template-rows 500ms var(--ease-out-expo), opacity 500ms var(--ease-out-expo);
}
.collapse > div { overflow: hidden; }
.is-open > .collapse { grid-template-rows: 1fr; opacity: 1; }

.faq__answer {
  padding: 0.25rem 0 1.5rem;
  font-size: 1rem;
  line-height: 1.625;
  color: var(--color-text-muted);
  transform: translateY(-0.5rem);
  transition: transform 500ms cubic-bezier(0.4, 0, 0.2, 1);
}
.is-open .faq__answer { transform: none; }

@media (min-width: 640px) {
  .faq__title { margin-bottom: 4rem; }
  .faq__question > span:first-child { font-size: 1.25rem; }
  .faq__answer { font-size: 1.125rem; line-height: 1.75rem; }
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  position: relative;
  overflow: hidden;
  padding: 3rem 0;
  background-color: #070708;
  color: #fff;
}
.site-footer__backdrop {
  position: absolute;
  inset: 0;
  z-index: 0;
  display: none;
  overflow: hidden;
  pointer-events: none;
  user-select: none;
}
.site-footer__backdrop img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: 0.7;
}
.site-footer__backdrop::before,
.site-footer__backdrop::after { content: ""; position: absolute; inset: 0; z-index: 1; }
.site-footer__backdrop::before {
  background: linear-gradient(90deg, #070708 0%, rgba(7, 7, 8, 0.96) 30%, rgba(7, 7, 8, 0.50) 55%, rgba(7, 7, 8, 0.10) 80%, rgba(7, 7, 8, 0.40) 100%);
}
.site-footer__backdrop::after { background: linear-gradient(to bottom, #070708, transparent, #070708); }
.site-footer .container { position: relative; z-index: 10; }

.site-footer__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 2.5rem;
}

.footer-brand { display: flex; flex-direction: column; align-items: center; text-align: center; }
.footer-brand__row { display: flex; flex-direction: column; align-items: center; gap: 0.875rem; width: 100%; }
.footer-brand__row > img {
  flex-shrink: 0;
  width: 2.5rem;
  height: 2.5rem;
  margin-top: 0.125rem;
  object-fit: contain;
  filter: drop-shadow(0 4px 3px rgb(0 0 0 / 0.07)) drop-shadow(0 2px 2px rgb(0 0 0 / 0.06));
}
.footer-brand__text { display: flex; flex-direction: column; align-items: center; gap: 0.75rem; width: 100%; }
.footer-brand__name {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  line-height: 1;
  font-weight: 700;
  letter-spacing: -0.025em;
  color: #fff;
}
.footer-brand__text .label-micro { line-height: 1.25; }
.footer-brand__line {
  font-size: 0.875rem;
  line-height: 1.375;
  color: rgba(255, 255, 255, 0.8);
}
.footer-brand__line .label-micro { display: inline; line-height: inherit; }
.footer-brand__phones { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 0.25rem 0.5rem; }
.footer-brand__phones a { font-weight: 500; color: #fff; transition: color 150ms; }
.footer-brand__phones a:hover { color: var(--color-accent); }
.footer-brand__phones .dot { color: rgba(255, 255, 255, 0.3); }

.footer-col { display: none; flex-direction: column; }
.footer-col .label-micro { margin-bottom: 1.5rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.875rem; }
.footer-col a {
  display: block;
  padding: 0.125rem 0;
  font-size: 0.875rem;
  line-height: 1.25rem;
  color: rgba(255, 255, 255, 0.7);
  transition: color 200ms;
}
.footer-col a:hover { color: #fff; }

/* Mobile: link columns become an accordion. */
.footer-accordion { width: 100%; padding-top: 1rem; }
.footer-accordion > * + * { margin-top: 0.25rem; }
.footer-accordion__toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 0.875rem 0;
  text-align: left;
}
.footer-accordion__toggle:focus { outline: none; }
.footer-accordion__toggle .label-micro { transition: color 150ms; }
.footer-accordion__toggle:hover .label-micro { color: var(--color-accent); }
.footer-accordion__toggle .icon { color: var(--color-accent); transition: transform 150ms var(--ease-out-expo); }
.is-open > .footer-accordion__toggle .icon { transform: rotate(180deg); }
.footer-accordion .collapse { transition-duration: 150ms; }
.footer-accordion .collapse > div { padding-bottom: 0.75rem; }
.footer-accordion ul { display: flex; flex-direction: column; gap: 0.625rem; padding-top: 0.25rem; }
.footer-accordion a {
  display: block;
  padding: 0.375rem 0;
  font-size: 0.875rem;
  line-height: 1.25rem;
  color: rgba(255, 255, 255, 0.75);
  transition: color 150ms;
}
.footer-accordion a:hover { color: #fff; }

.site-footer__bar {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
  padding-top: 2rem;
  text-align: center;
}
.site-footer__notices { display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem; }
.site-footer__notices button { font-weight: 500; text-align: left; transition: color 150ms; }
.site-footer__notices button:hover { color: var(--color-accent); }
.site-footer__copy { color: rgba(255, 255, 255, 0.4); }

@media (min-width: 640px) {
  .footer-brand__row { flex-direction: row; gap: 1rem; }
  .footer-brand__row > img { width: 3rem; height: 3rem; }
  .footer-brand__text { gap: 0.875rem; }
  .footer-brand__name { font-size: 1.5rem; line-height: 2rem; }
  .footer-col a { font-size: 1rem; line-height: 1.5rem; }
  .site-footer__bar { gap: 1.5rem; }
  .site-footer__notices { gap: 2rem; }
}
@media (min-width: 768px) {
  .site-footer__backdrop { display: block; }
  .site-footer__grid { grid-template-columns: repeat(5, minmax(0, 1fr)); }
  .footer-brand { grid-column: span 2 / span 2; align-items: flex-start; text-align: left; padding-right: 1rem; }
  .footer-brand__row,
  .footer-brand__text { align-items: flex-start; text-align: left; }
  .footer-brand__phones { justify-content: flex-start; }
  .footer-col { display: flex; }
  .footer-accordion { display: none; }
  .site-footer__bar { flex-direction: row; justify-content: space-between; text-align: left; }
  .site-footer__notices { justify-content: flex-start; }
}
@media (min-width: 1024px) {
  .site-footer { padding: 6rem 0; }
  .site-footer__grid { gap: 4rem; margin-bottom: 4rem; }
}