:root{
  --green:#279B48;
  --green-hi:#34B85A;
  --green-lo:#1E7A38;
  --ink:#0C1410;
  --ink-2:#121D17;
  --ink-3:#1A2820;
  --line-d:rgba(232,240,234,.12);
  --paper:#F3F5F1;
  --paper-2:#E8ECE6;
  --char:#2B2F2C;
  --char-2:#5B635D;
  --line-l:rgba(20,30,24,.12);
  --hi:#fff;--l-hi:#121814;--field:#0C1410;--card:#fff;
  --nav-bg:rgba(12,20,16,.72);--nav-bg-2:rgba(12,20,16,.9);--glass:rgba(18,29,23,.92);
  --foot:#08100C;--foot-tx:#7C8A80;--foot-tx-2:#5E6B62;--ph:#5f6d64;
  --shadow:0 30px 60px -20px rgba(0,0,0,.6);
  color-scheme:dark;
  --cream:#EEF3EE;
  --cream-2:#A9B5AC;

  --f-display:'Cabinet Grotesk','Helvetica Neue',Arial,sans-serif;
  --f-body:'Satoshi','Helvetica Neue',Arial,sans-serif;

  --text-xs:clamp(.75rem,.72rem + .15vw,.82rem);
  --text-sm:clamp(.875rem,.85rem + .12vw,.95rem);
  --text-base:clamp(1rem,.97rem + .15vw,1.0625rem);
  --text-lg:clamp(1.125rem,1.05rem + .35vw,1.35rem);
  --text-xl:clamp(1.9rem,1.4rem + 2vw,3rem);
  --text-hero:clamp(2.6rem,1.6rem + 4.4vw,5.4rem);

  --r:4px;
  --wrap:1240px;
  --pad:clamp(1.25rem,4vw,2.5rem);
  --sec:clamp(4.5rem,9vw,8rem);
  --ease:cubic-bezier(.2,.7,.2,1);
}
[data-theme="light"]{
  --green-hi:#1F8C3F;
  --ink:#EDF4EE;--ink-2:#FFFFFF;--ink-3:#DCE7DE;
  --line-d:rgba(20,50,30,.12);
  --cream:#18211B;--cream-2:#526058;--hi:#0E1611;
  --paper:#FFFFFF;--paper-2:#F1F5F1;--card:#FFFFFF;
  --field:#F6F9F6;--ph:#97A39B;
  --nav-bg:rgba(255,255,255,.78);--nav-bg-2:rgba(255,255,255,.94);--glass:rgba(255,255,255,.94);
  --foot:#0C1410;--foot-tx:#8A988E;--foot-tx-2:#66736A;
  --shadow:0 30px 60px -24px rgba(20,60,35,.28);
  color-scheme:light;
}
[data-theme="light"] .hero{background:radial-gradient(120% 80% at 85% 10%,rgba(39,155,72,.16),transparent 60%),linear-gradient(180deg,#F4F9F5,#EAF3EC)}
[data-theme="light"] .hero__stripes{background:repeating-linear-gradient(-45deg,rgba(39,155,72,.08) 0 38px,transparent 38px 76px)}
[data-theme="light"] .ticker{background:#fff}
[data-theme="light"] .faq,[data-theme="light"] .who{background:#F7FAF7}
[data-theme="light"] .program{border-color:rgba(20,50,30,.1)}
[data-theme="light"] .footer .brand{color:#EEF3EE}
[data-theme="light"] .footer .brand__text small,[data-theme="light"] .footer__nav a{color:#A9B5AC}
[data-theme="light"] .footer__nav a:hover{color:#fff}
[data-theme="light"] .apply{background:radial-gradient(90% 70% at 0% 100%,rgba(39,155,72,.14),transparent 60%),var(--ink)}
[data-theme="light"] .form,[data-theme="light"] .calc{box-shadow:0 30px 60px -36px rgba(20,60,35,.35)}
[data-theme="light"] .apply__mark{opacity:.14}
[data-theme="light"] .calc__out{background:linear-gradient(160deg,rgba(39,155,72,.12),rgba(39,155,72,.02))}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;transition:background .3s;font-family:var(--f-body);font-size:var(--text-base);line-height:1.6;color:var(--cream);background:var(--ink);-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
h1,h2,h3{font-family:var(--f-display);line-height:1.05;margin:0;letter-spacing:-.02em;text-wrap:balance}
h2{font-size:var(--text-xl);font-weight:800}
h3{font-size:var(--text-lg);font-weight:700;letter-spacing:-.01em}
p{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--pad)}
.skip{position:absolute;left:-999px;top:0;background:var(--green);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:1rem}
:focus-visible{outline:2px solid var(--green-hi);outline-offset:3px}

/* eyebrow: wide tracking mirrors "BROKERS" */
.eyebrow{display:inline-flex;align-items:center;gap:.75rem;font-size:var(--text-xs);font-weight:700;letter-spacing:.32em;text-transform:uppercase;color:var(--green-hi);margin-bottom:1.25rem}
.eyebrow--dark{color:var(--green-lo)}
.tick{width:22px;height:12px;flex:none;background:repeating-linear-gradient(-45deg,currentColor 0 3px,transparent 3px 6px)}

/* Buttons */
.btn{--h:52px;display:inline-flex;align-items:center;justify-content:center;gap:.6rem;height:var(--h);padding:0 1.5rem;font:700 var(--text-sm)/1 var(--f-body);letter-spacing:.04em;text-decoration:none;border-radius:var(--r);border:1px solid transparent;cursor:pointer;transition:background .25s var(--ease),transform .25s var(--ease),border-color .25s,color .25s;position:relative;overflow:hidden;white-space:nowrap}
.btn--sm{--h:42px;padding:0 1.1rem}
.btn--block{width:100%}
.btn--primary{background:var(--green);color:#fff}
.btn--primary::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-45deg,rgba(255,255,255,.16) 0 6px,transparent 6px 14px);transform:translateX(-101%);transition:transform .5s var(--ease)}
.btn--primary:hover{background:var(--green-hi);transform:translateY(-1px)}
.btn--primary:hover::after{transform:translateX(0)}
.btn--ghost{background:transparent;border-color:var(--line-d);color:var(--cream)}
.btn[hidden]{display:none}
.btn--ghost:hover{border-color:var(--green-hi);color:var(--hi)}
.btn--light{background:#fff;color:#0C1410}
.btn--light:hover{background:var(--paper)}

/* Nav */
.nav{position:sticky;top:0;z-index:50;background:var(--nav-bg);backdrop-filter:blur(14px) saturate(1.2);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
.nav.is-scrolled{border-color:var(--line-d);background:var(--nav-bg-2)}
.nav__inner{display:flex;align-items:center;gap:2rem;height:76px}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;color:var(--cream)}
.brand__mark{width:34px;height:35px;color:var(--green)}
.brand__text{display:flex;flex-direction:column;line-height:1}
.brand__text b{font:800 .98rem/1 var(--f-display);letter-spacing:.18em;text-transform:uppercase}
.brand__text small{font:700 .62rem/1 var(--f-body);letter-spacing:.5em;text-transform:uppercase;color:var(--cream-2);margin-top:.4rem}
.brand--lg .brand__mark{width:46px;height:47px}
.brand--lg .brand__text b{font-size:1.2rem}
.nav__links{display:flex;gap:2rem;margin-left:auto}
.nav__links a{font-size:var(--text-sm);font-weight:500;text-decoration:none;color:var(--cream-2);transition:color .2s}
.nav__links a:hover{color:var(--hi)}
.nav__toggle{display:none;margin-left:auto;width:44px;height:44px;background:none;border:1px solid var(--line-d);border-radius:var(--r);cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:6px}
.nav__toggle span{width:18px;height:2px;background:var(--cream);transition:transform .3s}
.nav__toggle[aria-expanded="true"] span:first-child{transform:translateY(4px) rotate(45deg)}
.nav__toggle[aria-expanded="true"] span:last-child{transform:translateY(-4px) rotate(-45deg)}
.nav__drawer{display:flex;flex-direction:column;gap:.25rem;padding:1rem var(--pad) 1.5rem;border-top:1px solid var(--line-d)}
.nav__drawer[hidden]{display:none}
.nav__drawer a:not(.btn){padding:.8rem 0;text-decoration:none;font-weight:500;border-bottom:1px solid var(--line-d)}
.nav__drawer .btn{margin-top:1rem}

/* Hero */
.hero{position:relative;overflow:hidden;padding-top:clamp(3rem,7vw,6rem);background:radial-gradient(120% 80% at 85% 10%,rgba(39,155,72,.18),transparent 60%),var(--ink)}
.hero__stripes{position:absolute;right:-8%;top:-10%;width:60%;height:120%;background:repeating-linear-gradient(-45deg,rgba(39,155,72,.07) 0 38px,transparent 38px 76px);mask-image:linear-gradient(225deg,#000 10%,transparent 70%);-webkit-mask-image:linear-gradient(225deg,#000 10%,transparent 70%);pointer-events:none}
.hero__stripes--soft{left:-10%;right:auto;mask-image:linear-gradient(135deg,#000 0%,transparent 55%);-webkit-mask-image:linear-gradient(135deg,#000 0%,transparent 55%)}
.hero__grid{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center;position:relative}
.hero__title{font-size:var(--text-hero);font-weight:800;letter-spacing:-.035em;line-height:.98}
.hero__title em{font-style:normal;color:var(--green-hi);position:relative}
.hero__lede{margin-top:1.5rem;max-width:52ch;color:var(--cream-2);font-size:var(--text-lg);line-height:1.55}
.hero__ctas{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2.25rem}
.hero__facts{list-style:none;padding:1.75rem 0 0;margin:2.75rem 0 0;display:flex;gap:clamp(1.5rem,4vw,3rem);border-top:1px solid var(--line-d)}
.hero__facts li{display:flex;flex-direction:column}
.hero__facts strong{font:800 1.6rem/1 var(--f-display);color:var(--hi)}
.hero__facts span{font-size:var(--text-xs);color:var(--cream-2);letter-spacing:.06em;margin-top:.4rem}
.hero__visual{position:relative;padding-bottom:3rem}

/* Logo-inspired image cut: chamfered lower-left corner + stripes */
.cut{position:relative;margin:0}
.cut img{width:100%;object-fit:cover;clip-path:polygon(0 0,100% 0,100% 100%,22% 100%,0 calc(100% - 22%));border-radius:2px}
.cut::after{content:"";position:absolute;left:-14px;bottom:-14px;width:30%;aspect-ratio:1;background:repeating-linear-gradient(-45deg,var(--green) 0 11%,transparent 11% 18%);clip-path:polygon(0 0,0 100%,100% 100%);pointer-events:none}
.cut--hero img{aspect-ratio:4/4.3;min-height:420px}
.cut--alt img{aspect-ratio:5/4}

.deal-card{position:absolute;right:-1rem;bottom:0;width:min(300px,78%);background:var(--glass);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid var(--line-d);border-radius:6px;padding:1.25rem 1.25rem 1.1rem;box-shadow:var(--shadow)}
.deal-card__head{display:flex;justify-content:space-between;align-items:center;font:700 var(--text-sm)/1 var(--f-display);margin-bottom:1rem}
.pill{font:700 .62rem/1 var(--f-body);letter-spacing:.18em;text-transform:uppercase;padding:.45rem .6rem;border-radius:2px;background:rgba(39,155,72,.18);color:var(--green-hi)}
.pill--dark{background:var(--ink);color:var(--green-hi)}
.deal-card dl{margin:0;display:grid;gap:.55rem}
.deal-card dl div{display:flex;justify-content:space-between;font-size:var(--text-sm)}
.deal-card dt{color:var(--cream-2)}
.deal-card dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums}
.deal-card__bar{height:6px;background:var(--ink-3);margin:1rem 0 .7rem;border-radius:3px;overflow:hidden}
.deal-card__bar span{display:block;height:100%;background:repeating-linear-gradient(-45deg,var(--green) 0 6px,var(--green-hi) 6px 12px)}
.deal-card__foot{font-size:var(--text-xs);color:var(--cream-2)}
.deal-card__foot b{color:var(--hi);font-size:var(--text-sm)}

/* Ticker */
.ticker{margin-top:clamp(3rem,6vw,5rem);border-top:1px solid var(--line-d);border-bottom:1px solid var(--line-d);overflow:hidden;background:var(--ink-2)}
.ticker__track{display:flex;align-items:center;gap:2.5rem;width:max-content;padding:1.15rem 0;animation:tick 40s linear infinite}
.ticker span{font:700 var(--text-sm)/1 var(--f-display);letter-spacing:.28em;text-transform:uppercase;color:var(--cream-2)}
.ticker i{width:26px;height:14px;background:repeating-linear-gradient(-45deg,var(--green) 0 3px,transparent 3px 7px)}
@keyframes tick{to{transform:translateX(-50%)}}

/* Sections */
.section{padding:var(--sec) 0;position:relative}
.section--light{background:var(--paper);color:var(--char)}
.program__best{color:var(--char)}
.section--light h2,.section--light h3{color:var(--l-hi)}
.section--dark{background:var(--ink)}
.section__head{max-width:720px;margin-bottom:clamp(2.5rem,5vw,4rem)}
.section__head > p:not(.eyebrow){margin-top:1.1rem;color:var(--char-2);max-width:60ch}
.section--dark .section__head > p:not(.eyebrow){color:var(--cream-2)}
.section__head--row{max-width:none;display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;flex-wrap:wrap}
.muted{color:var(--char-2);margin-top:1rem}

/* Programs */
.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.program{background:var(--card);border:1px solid var(--line-l);border-radius:6px;padding:2rem;display:flex;flex-direction:column;gap:.85rem;transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;position:relative;overflow:hidden}
.program:hover{transform:translateY(-4px);box-shadow:0 24px 50px -24px rgba(20,40,28,.35);border-color:rgba(39,155,72,.4)}
.program::before{content:"";position:absolute;right:0;top:0;width:54px;height:54px;background:repeating-linear-gradient(-45deg,var(--green) 0 4px,transparent 4px 10px);clip-path:polygon(0 0,100% 0,100% 100%);opacity:0;transition:opacity .35s}
.program:hover::before{opacity:1}
.program__num{font:800 var(--text-xs)/1 var(--f-display);letter-spacing:.2em;color:var(--green)}
.program p{color:var(--char-2)}
.program__best{margin-top:auto;padding-top:1rem;border-top:1px solid var(--line-l);font-size:var(--text-sm);font-weight:500;color:var(--char)!important}
.program--feature{grid-column:span 2;flex-direction:row;padding:0;gap:0}
.program--feature .program__img{flex:1 1 50%;margin:1.25rem 0 1.25rem 1.25rem}
.program--feature .program__img img{height:100%;min-height:280px;object-fit:cover}
.program--feature .program__body{flex:1 1 50%;padding:2.25rem;display:flex;flex-direction:column;gap:.85rem}
.program--flip{flex-direction:row-reverse}
.program--flip .program__img{margin:1.25rem 1.25rem 1.25rem 0}
.program--cta{background:var(--green);border-color:var(--green);color:#fff}
.program--cta h3{color:#fff!important}
.program--cta p{color:rgba(255,255,255,.85)}
.program--cta .btn{margin-top:auto;align-self:flex-start}
.program--cta::before{display:none}
@media (min-width:1081px){.program--cta{grid-column:span 2;flex-direction:row;align-items:center;gap:1.5rem;flex-wrap:nowrap}.program--cta h3{flex:0 0 auto}.program--cta p{flex:1 1 0}.program--cta .btn{margin-top:0;align-self:center}}
.program__mark{width:44px;height:45px;color:#fff;opacity:.95}
.checks{list-style:none;padding:0;margin:.5rem 0 0;display:grid;gap:.6rem}
.checks li{position:relative;padding-left:1.9rem;font-size:var(--text-sm);font-weight:500}
.checks li::before{content:"";position:absolute;left:0;top:.3em;width:16px;height:16px;background:var(--green);clip-path:polygon(0 0,100% 0,100% 100%,35% 100%,0 65%)}
.checks--light li{color:var(--cream)}

/* Why */
.why__grid{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(2.5rem,6vw,5.5rem);align-items:center}
.why__img figcaption{position:absolute;right:1rem;top:1rem;display:flex;align-items:center;gap:.6rem;background:var(--glass);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);padding:.6rem .8rem;border-radius:4px;font-size:var(--text-xs);color:var(--cream)}
.why__lede{margin-top:1.25rem;color:var(--cream-2);max-width:56ch}
.why__list{display:grid;grid-template-columns:1fr 1fr;gap:2rem 2.25rem;margin-top:2.5rem}
.why__item{display:flex;gap:1rem}
.why__item h3{font-size:1.1rem;color:var(--hi)}
.why__item p{font-size:var(--text-sm);color:var(--cream-2);margin-top:.45rem}
.why__ico{flex:none;width:30px;height:30px;margin-top:.1rem;background:repeating-linear-gradient(-45deg,var(--green) 0 4px,transparent 4px 8px);clip-path:polygon(0 0,100% 0,100% 100%,35% 100%,0 65%);border:0}

/* Steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;border-top:1px solid var(--line-l)}
.step{padding:2rem 2rem 0 0;position:relative}
.step + .step{padding-left:2rem;border-left:1px solid var(--line-l)}
.step::before{content:"";position:absolute;top:-1px;left:0;height:3px;width:0;background:var(--green);transition:width .9s var(--ease)}
.step.is-in::before{width:100%}
.step__n{display:block;font:800 clamp(2.5rem,4vw,3.5rem)/1 var(--f-display);color:transparent;-webkit-text-stroke:1.5px var(--green);margin-bottom:1.25rem;letter-spacing:-.02em}
.step p{margin-top:.6rem;color:var(--char-2);font-size:var(--text-sm)}

/* Calculator */
.calc-sec{overflow:hidden}
.calc{position:relative;background:var(--ink-2);border:1px solid var(--line-d);border-radius:8px;overflow:hidden}
.calc__tabs{display:flex;border-bottom:1px solid var(--line-d)}
.calc__tabs button{flex:0 0 auto;background:none;border:0;color:var(--cream-2);font:700 var(--text-sm)/1 var(--f-body);letter-spacing:.06em;padding:1.25rem 1.75rem;cursor:pointer;position:relative}
.calc__tabs button.is-on{color:var(--hi)}
.calc__tabs button.is-on::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:3px;background:var(--green)}
.calc__panel{display:grid;grid-template-columns:1.2fr 1fr}
.calc__panel[hidden]{display:none}
.calc__inputs{padding:clamp(1.5rem,3vw,2.5rem);display:grid;grid-template-columns:1fr 1fr;gap:1.25rem 1.5rem;align-content:start}
.calc__out{padding:clamp(1.5rem,3vw,2.5rem);background:linear-gradient(160deg,rgba(39,155,72,.16),rgba(39,155,72,.03));border-left:1px solid var(--line-d);display:flex;flex-direction:column}
.calc__label{font-size:var(--text-xs);letter-spacing:.24em;text-transform:uppercase;font-weight:700;color:var(--green-hi)}
.calc__big{font:800 clamp(2.4rem,5vw,3.6rem)/1 var(--f-display);color:var(--hi);margin:.6rem 0 1.25rem;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.meter{height:8px;background:var(--ink-3);border-radius:4px;overflow:hidden;margin-bottom:1.5rem}
.meter span{display:block;height:100%;width:0;background:repeating-linear-gradient(-45deg,var(--green) 0 6px,var(--green-hi) 6px 12px);transition:width .5s var(--ease)}
.calc__rows{margin:0 0 1.75rem;display:grid}
.calc__rows div{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 0;border-bottom:1px solid var(--line-d);font-size:var(--text-sm)}
.calc__rows dt{color:var(--cream-2)}
.calc__rows dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums;text-align:right}
.calc__out .btn{margin-top:auto}

/* Fields */
.field{display:flex;flex-direction:column;gap:.5rem;font-size:var(--text-sm)}
.field > span{font-weight:500;color:var(--cream-2);display:flex;justify-content:space-between}
.field output{color:var(--hi);font-weight:700}
.field input:not([type=range]),.field select,.field textarea{width:100%;font:500 var(--text-base)/1.3 var(--f-body);color:var(--hi);background:var(--field);border:1px solid var(--line-d);border-radius:var(--r);padding:.85rem .95rem;transition:border-color .2s,box-shadow .2s}
.field textarea{resize:vertical;min-height:110px}
.field select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--cream-2) 50%),linear-gradient(135deg,var(--cream-2) 50%,transparent 50%);background-position:calc(100% - 18px) 55%,calc(100% - 13px) 55%;background-size:5px 5px;background-repeat:no-repeat;padding-right:2.4rem}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(39,155,72,.25)}
.field input::placeholder,.field textarea::placeholder{color:var(--ph)}
.field.is-bad input,.field.is-bad select{border-color:#E0675A}
.money{position:relative}
.money::before{content:"$";position:absolute;left:.95rem;top:50%;transform:translateY(-50%);color:var(--cream-2);font-weight:500}
.money input{padding-left:1.8rem!important;font-variant-numeric:tabular-nums}
.field--range{grid-column:span 1}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;background:var(--ink-3);border-radius:3px;margin:.9rem 0 .4rem;accent-color:var(--green)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;background:var(--green);border:3px solid var(--ink-2);box-shadow:0 0 0 1px var(--green);border-radius:2px;transform:rotate(45deg);cursor:pointer}
input[type=range]::-moz-range-thumb{width:16px;height:16px;background:var(--green);border:3px solid var(--ink-2);border-radius:2px;cursor:pointer}

/* Who */
.who{padding-top:0}
.who__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.who__card{padding:1.75rem;border-radius:6px;background:var(--paper-2);position:relative;overflow:hidden;min-height:200px;display:flex;flex-direction:column;justify-content:flex-end;transition:background .3s,color .3s}
.who__card::before{content:"";position:absolute;top:1.5rem;left:1.75rem;width:36px;height:36px;background:repeating-linear-gradient(-45deg,var(--green) 0 4px,transparent 4px 9px);clip-path:polygon(0 0,100% 0,100% 100%,35% 100%,0 65%)}
.who__card p{margin-top:.5rem;font-size:var(--text-sm);color:var(--char-2);transition:color .3s}
.who__card:hover{background:var(--green)}
.who__card:hover h3{color:#fff}
.who__card:hover p{color:rgba(255,255,255,.88)}
.who__card:hover::before{background:repeating-linear-gradient(-45deg,#fff 0 4px,transparent 4px 9px)}

/* FAQ */
.faq{border-top:1px solid var(--line-l)}
.faq__grid{display:grid;grid-template-columns:1fr 1.5fr;gap:clamp(2rem,6vw,5rem)}
.faq__list details{border-bottom:1px solid var(--line-l)}
.faq__list details:first-child{border-top:1px solid var(--line-l)}
.faq__list summary{list-style:none;cursor:pointer;padding:1.4rem 2.5rem 1.4rem 0;font:700 var(--text-lg)/1.3 var(--f-display);color:var(--l-hi);position:relative}
.faq__list summary::-webkit-details-marker{display:none}
.faq__list summary::after{content:"";position:absolute;right:.25rem;top:50%;width:14px;height:14px;border-right:2px solid var(--green);border-bottom:2px solid var(--green);transform:translateY(-70%) rotate(45deg);transition:transform .3s var(--ease)}
.faq__list details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq__list details p{padding:0 2.5rem 1.5rem 0;color:var(--char-2);max-width:65ch}

/* Apply */
.apply{overflow:hidden;background:radial-gradient(90% 70% at 0% 100%,rgba(39,155,72,.16),transparent 60%),var(--ink)}
.apply__grid{display:grid;grid-template-columns:1fr 1.25fr;gap:clamp(2.5rem,6vw,5rem);align-items:start}
.apply__copy{position:relative}
.apply__copy > p:not(.eyebrow){color:var(--cream-2);margin:1.25rem 0 1.75rem;max-width:46ch}
.apply__mark{width:clamp(140px,18vw,240px);height:auto;aspect-ratio:98/100;color:var(--green);opacity:.1;margin-top:3rem}
.form{position:relative;background:var(--ink-2);border:1px solid var(--line-d);border-radius:8px;padding:clamp(1.5rem,3vw,2.5rem);display:grid;gap:1.25rem}
.form__row{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}
.consent{display:flex;gap:.75rem;align-items:flex-start;font-size:var(--text-xs);color:var(--cream-2);line-height:1.5;cursor:pointer}
.consent input{accent-color:var(--green);width:18px;height:18px;margin:.1rem 0 0;flex:none}
.consent.is-bad span{color:#F0948A}
.form__err{color:#F0948A;font-size:var(--text-sm)}
.form__ok{position:absolute;inset:0;background:var(--ink-2);border-radius:8px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:2rem;gap:.75rem}
.form__ok[hidden]{display:none}
.form__ok svg{width:64px;height:65px;color:var(--green);margin-bottom:.5rem}
.form__ok h3{font-size:var(--text-xl);color:var(--hi)}
.form__ok p{color:var(--cream-2);max-width:38ch}

/* Footer */
.footer{background:var(--foot);border-top:1px solid var(--line-d);padding:4rem 0 2.5rem}
.footer__top{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap;padding-bottom:2.5rem;border-bottom:1px solid var(--line-d)}
.footer__nav{display:flex;gap:1.75rem;flex-wrap:wrap}
.footer__nav a{text-decoration:none;font-size:var(--text-sm);color:var(--cream-2)}
.footer__nav a:hover{color:var(--hi)}
.footer__legal{margin-top:2rem;font-size:var(--text-xs);color:var(--foot-tx);max-width:110ch;line-height:1.7}
.footer__copy{margin-top:1.25rem;font-size:var(--text-xs);color:var(--foot-tx-2)}

/* Reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.is-in{opacity:1;transform:none}
.hero .reveal:nth-child(2){transition-delay:.08s}
.hero .reveal:nth-child(3){transition-delay:.16s}
.hero .reveal:nth-child(4){transition-delay:.24s}
.hero .reveal:nth-child(5){transition-delay:.32s}
.hero__visual.reveal{transition-delay:.2s}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* Responsive */
@media (max-width:1080px){
  .programs{grid-template-columns:1fr 1fr}
  .program--feature{grid-column:span 2}
  .who__grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .step:nth-child(3){padding-left:0;border-left:0}
  .step:nth-child(n+3){padding-top:2.5rem}
  .calc__panel{grid-template-columns:1fr}
  .calc__out{border-left:0;border-top:1px solid var(--line-d)}
}
@media (max-width:900px){
  .nav__links,.nav__inner > .btn{display:none}
  .nav__toggle{display:flex}
  .hero__grid,.why__grid,.faq__grid,.apply__grid{grid-template-columns:1fr}
  .cut--hero img{aspect-ratio:4/3;min-height:0}
  .deal-card{right:.5rem}
  .apply__mark{display:none}
}
@media (max-width:640px){
  .programs{grid-template-columns:1fr}
  .program--feature,.program--flip{grid-column:auto;flex-direction:column}
  .program--feature .program__img,.program--flip .program__img{margin:1rem 1rem 0}
  .program--feature .program__img img{min-height:0;aspect-ratio:16/10}
  .program--feature .program__body{padding:1.75rem}
  .who__grid,.steps,.why__list,.form__row,.calc__inputs{grid-template-columns:1fr}
  .step,.step + .step{padding:2rem 0 0;border-left:0}
  .step:nth-child(n+3){padding-top:2rem}
  .hero__facts{gap:1.25rem;justify-content:space-between}
  .hero__facts strong{font-size:1.3rem}
  .deal-card{position:relative;right:auto;width:auto;margin:-2rem 1rem 0 2.5rem}
  .hero__visual{padding-bottom:0}
  .brand__text b{font-size:.85rem;letter-spacing:.14em}
  .calc__tabs button{flex:1;padding:1.1rem .75rem}
  .who__card{min-height:0;padding-top:5rem}
}

/* Theme toggle */
.theme-toggle{width:42px;height:42px;flex:none;display:grid;place-items:center;border:1px solid var(--line-d);border-radius:var(--r);background:transparent;color:var(--cream);cursor:pointer;transition:border-color .2s,color .2s}
.theme-toggle:hover{border-color:var(--green);color:var(--green-hi)}
.theme-toggle svg{width:18px;height:18px}
[data-theme="light"] .i-sun,:root:not([data-theme="light"]) .i-moon{display:none}
@media (max-width:900px){.theme-toggle{margin-left:auto}.nav__toggle{margin-left:0}}

/* Multi-step form */
.form fieldset{border:0;margin:0;padding:0;min-width:0;display:grid;gap:1.25rem}
.form fieldset[hidden]{display:none}
.form legend{font:800 var(--text-lg)/1.2 var(--f-display);color:var(--hi);margin-bottom:1.25rem;padding:0}
.form__progress{display:grid;gap:.75rem;margin-bottom:.5rem}
.form__steps{display:flex;justify-content:space-between;font-size:var(--text-xs);font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--cream-2)}
.form__steps span{transition:color .3s}
.form__steps span.is-on{color:var(--green-hi)}
.form__bar{height:6px;background:var(--ink-3);border-radius:3px;overflow:hidden}
.form__bar span{display:block;height:100%;width:33.33%;background:repeating-linear-gradient(-45deg,var(--green) 0 6px,var(--green-hi) 6px 12px);transition:width .5s var(--ease)}
.form__nav{display:flex;gap:.75rem;justify-content:flex-end}
.form__nav .btn--primary{flex:1}
.field > span i{font-style:normal;color:var(--green-hi);margin-left:.15rem}
.field > span{justify-content:flex-start;gap:.2rem}
.field--range > span{justify-content:space-between}
.field__hint{font-size:var(--text-xs);color:var(--cream-2)}
.exp{display:grid;grid-template-columns:repeat(4,1fr);gap:.6rem}
.exp__opt{position:relative;cursor:pointer}
.exp__opt input{position:absolute;opacity:0;pointer-events:none}
.exp__opt > span{display:flex;flex-direction:column;gap:.3rem;height:100%;padding:.9rem .85rem;border:1px solid var(--line-d);border-radius:var(--r);background:var(--field);transition:border-color .2s,background .2s,box-shadow .2s}
.exp__opt b{font:800 1rem/1.1 var(--f-display);color:var(--hi)}
.exp__opt small{font-size:var(--text-xs);color:var(--cream-2);line-height:1.3}
.exp__opt:hover > span{border-color:var(--green)}
.exp__opt input:checked + span{border-color:var(--green);background:rgba(39,155,72,.12);box-shadow:inset 0 0 0 1px var(--green)}
.exp__opt input:focus-visible + span{outline:2px solid var(--green-hi);outline-offset:2px}
.field.is-bad .exp__opt > span{border-color:#E0675A}
.field.is-bad > span{color:#E0675A}
[data-theme="light"] .form__err,[data-theme="light"] .consent.is-bad span{color:#C2473A}
@media (max-width:640px){.exp{grid-template-columns:1fr 1fr}.form__steps{font-size:.65rem;letter-spacing:.08em}}

.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.btn:disabled{opacity:.7;cursor:wait}