:root {
  --ink: #111c22;
  --ink-2: #1b2b34;
  --paper: #fbfaf7;
  --cream: #f1ece3;
  --white: #ffffff;
  --teal: #0d7775;
  --teal-dark: #075b5a;
  --gold: #d1a15f;
  --gold-soft: #f0d3a7;
  --muted: #617078;
  --line: #d9dfdf;
  --success: #297451;
  --shadow: 0 24px 70px rgba(11, 29, 38, .13);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

h1, h2, h3, .display {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 500;
  line-height: 1.08;
}
h1 { font-size: clamp(3.2rem, 7.4vw, 7.3rem); letter-spacing: -.052em; }
h2 { font-size: clamp(2.25rem, 4.8vw, 4.8rem); letter-spacing: -.035em; }
h3 { font-size: 1.48rem; letter-spacing: -.018em; }
p { margin: 0 0 1.1rem; }

.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.narrow { width: min(820px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 105px 0; }
.section--cream { background: var(--cream); }
.section--ink { background: var(--ink); color: var(--white); }
.section--tight { padding: 70px 0; }
.eyebrow {
  color: var(--teal);
  font-size: .76rem;
  font-weight: 850;
  letter-spacing: .17em;
  text-transform: uppercase;
  margin-bottom: 17px;
}
.section--ink .eyebrow, .hero .eyebrow, .page-hero .eyebrow { color: var(--gold-soft); }
.lede { color: var(--muted); font-size: 1.14rem; line-height: 1.75; }
.section--ink .lede { color: rgba(255,255,255,.72); }
.fine { color: var(--muted); font-size: .78rem; line-height: 1.6; }
.tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 11px;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--muted);
  font-size: .73rem;
  font-weight: 750;
}

.site-header {
  position: absolute;
  inset: 0 0 auto;
  z-index: 20;
  color: var(--white);
  border-bottom: 1px solid rgba(255,255,255,.17);
}
.site-header.is-solid {
  position: relative;
  color: var(--ink);
  background: var(--white);
  border-color: var(--line);
}
.nav { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 13px; text-decoration: none; }
.brand-mark {
  display: grid;
  place-items: center;
  width: 39px;
  height: 39px;
  border: 1px solid currentColor;
  border-radius: 50%;
  color: var(--gold-soft);
  font: 600 1.1rem Georgia, serif;
}
.is-solid .brand-mark { color: var(--teal); }
.brand-copy { display: flex; flex-direction: column; line-height: 1.05; }
.brand-copy strong { font-family: Georgia, serif; font-size: 1.08rem; font-weight: 500; }
.brand-copy small { margin-top: 5px; opacity: .68; font-size: .59rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-links > a, .nav-dropdown > button {
  padding: 10px 0;
  border: 0;
  color: inherit;
  background: none;
  cursor: pointer;
  text-decoration: none;
  font-size: .68rem;
  font-weight: 820;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.nav-links > a:hover, .nav-dropdown > button:hover { color: var(--gold-soft); }
.is-solid .nav-links > a:hover, .is-solid .nav-dropdown > button:hover { color: var(--teal); }
.nav-cta {
  padding: 11px 16px !important;
  border: 1px solid rgba(255,255,255,.55) !important;
}
.is-solid .nav-cta { border-color: var(--teal) !important; color: var(--teal) !important; }
.nav-dropdown { position: relative; }
.nav-dropdown > button::after { content: "⌄"; margin-left: 7px; }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  width: 218px;
  padding: 9px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
  color: var(--ink);
  box-shadow: var(--shadow);
  transform: translate(-50%, 8px);
  visibility: hidden;
  opacity: 0;
  transition: .18s ease;
}
.nav-dropdown:hover .dropdown-menu, .nav-dropdown:focus-within .dropdown-menu, .nav-dropdown.open .dropdown-menu {
  visibility: visible;
  opacity: 1;
  transform: translate(-50%, 0);
}
.dropdown-menu a { display: block; padding: 11px 12px; border-radius: 8px; text-decoration: none; font-size: .84rem; font-weight: 730; }
.dropdown-menu a:hover { background: var(--cream); color: var(--teal); }
.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid currentColor;
  color: inherit;
  background: transparent;
  cursor: pointer;
  border-radius: 50%;
  font-size: 1.15rem;
}

.hero {
  position: relative;
  min-height: 790px;
  display: grid;
  align-items: center;
  color: var(--white);
  overflow: hidden;
  background: var(--ink);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("small-rental-home-hero.png") center / cover no-repeat;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(6,21,30,.96) 0%, rgba(6,21,30,.84) 42%, rgba(6,21,30,.32) 72%, rgba(6,21,30,.16) 100%);
}
.hero-content { position: relative; z-index: 2; max-width: 790px; padding: 155px 0 92px; }
.hero h1 span { display: block; color: var(--gold-soft); }
.hero-copy { max-width: 660px; margin: 26px 0 0; color: rgba(255,255,255,.84); font-size: clamp(1.05rem, 1.7vw, 1.27rem); }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 13px; margin-top: 34px; }
.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 14px 22px;
  border: 1px solid var(--teal);
  border-radius: 4px;
  color: var(--white);
  background: var(--teal);
  cursor: pointer;
  text-decoration: none;
  font-size: .75rem;
  font-weight: 850;
  letter-spacing: .08em;
  text-transform: uppercase;
  transition: .18s ease;
}
.button:hover { background: var(--teal-dark); border-color: var(--teal-dark); transform: translateY(-1px); }
.button--gold { border-color: var(--gold); background: var(--gold); color: #1a1d1e; }
.button--gold:hover { border-color: #b78240; background: #b78240; }
.button--outline { border-color: rgba(255,255,255,.55); background: transparent; }
.button--outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.button--dark-outline { border-color: var(--ink); color: var(--ink); background: transparent; }
.button--dark-outline:hover { color: var(--white); background: var(--ink); }
.hero-note { max-width: 630px; margin-top: 22px; color: rgba(255,255,255,.58); font-size: .73rem; }

.stat-strip { background: var(--ink); color: var(--white); }
.stat-grid { display: grid; grid-template-columns: repeat(5, 1fr); }
.stat { padding: 27px 20px; border-right: 1px solid rgba(255,255,255,.11); text-align: center; }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font: 500 1.38rem Georgia, serif; }
.stat span { color: rgba(255,255,255,.58); font-size: .72rem; }

.optout-banner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 44px;
  padding: 34px 38px;
  border: 1px solid #dfd2bd;
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 12px 38px rgba(11,29,38,.055);
}
.optout-banner h3 { margin-bottom: 10px; font-size: clamp(1.55rem, 3vw, 2.15rem); }
.optout-banner p { max-width: 760px; margin: 0; color: var(--muted); }
.optout-banner .button { max-width: 330px; text-align: center; }

.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; align-items: start; }
.split--center { align-items: center; }
.bio-photo { display: block; width: clamp(180px, 21vw, 230px); height: auto; aspect-ratio: 1; margin-top: 28px; border: 6px solid rgba(255,255,255,.9); border-radius: 50%; object-fit: cover; box-shadow: 0 18px 40px rgba(14,39,48,.16); }
.copy p:last-child { margin-bottom: 0; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 42px; }
.card {
  position: relative;
  min-height: 100%;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 12px 38px rgba(11,29,38,.055);
}
.card--dark { border-color: rgba(255,255,255,.12); background: var(--ink-2); }
.card .number { margin-bottom: 18px; color: var(--teal); font: 500 2.45rem Georgia, serif; }
.card--dark .number { color: var(--gold-soft); }
.card p { color: var(--muted); }
.card--dark p { color: rgba(255,255,255,.66); }
.text-link { color: var(--teal); font-weight: 800; text-decoration-thickness: 1px; text-underline-offset: 4px; }
.card--dark .text-link { color: var(--gold-soft); }
.pill-row { display: flex; flex-wrap: wrap; gap: 9px; margin: 22px 0 0; }
.panel {
  padding: clamp(28px, 5vw, 52px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}
.program-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; margin-top: 38px; }
.program { padding: 31px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); }
.program-header { display: flex; align-items: start; justify-content: space-between; gap: 18px; margin-bottom: 20px; }
.program-list { padding: 0; margin: 20px 0 0; list-style: none; }
.program-list li { position: relative; padding: 11px 0 11px 27px; border-top: 1px solid var(--line); }
.program-list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 900; }
.note-box { margin-top: 28px; padding: 22px 24px; border-left: 4px solid var(--gold); background: #fff8ed; color: #50422f; }

.page-hero--rates::before { background-position: center 58%; }
.section-heading-row { display: flex; align-items: end; justify-content: space-between; gap: 48px; margin-bottom: 42px; }
.section-heading-row .lede { max-width: 590px; margin: 0; }
.treasury-card { padding: clamp(24px, 4vw, 42px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.treasury-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 28px; }
.chart-kicker { display: block; color: var(--muted); font-size: .75rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.chart-current { display: flex; align-items: baseline; gap: 12px; margin-top: 5px; }
.chart-current strong { font: 500 clamp(2.7rem, 6vw, 4.8rem) Georgia, serif; line-height: 1; }
.chart-current span { color: var(--muted); font-size: .72rem; }
.range-tabs { display: flex; flex-wrap: wrap; gap: 6px; }
.range-tabs button { min-width: 48px; padding: 9px 12px; border: 1px solid var(--line); border-radius: 999px; color: var(--muted); background: var(--white); cursor: pointer; font-size: .72rem; font-weight: 850; }
.range-tabs button:hover, .range-tabs button[aria-pressed="true"] { border-color: var(--teal); color: var(--white); background: var(--teal); }
.chart-stats { display: grid; grid-template-columns: repeat(4, 1fr); margin: 30px 0 8px; border-block: 1px solid var(--line); }
.chart-stats div { padding: 16px; border-right: 1px solid var(--line); }
.chart-stats div:first-child { padding-left: 0; }
.chart-stats div:last-child { border-right: 0; }
.chart-stats span { display: block; color: var(--muted); font-size: .66rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.chart-stats strong { display: block; margin-top: 3px; font-size: .96rem; }
.chart-wrap { position: relative; min-height: 320px; }
.treasury-chart { display: block; width: 100%; height: auto; overflow: visible; touch-action: pan-y; }
.chart-grid line { stroke: #dfe5e5; stroke-width: 1; }
.chart-axis-label { fill: #718087; font: 12px Inter, ui-sans-serif, system-ui, sans-serif; }
.chart-line { fill: none; stroke: var(--teal); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; vector-effect: non-scaling-stroke; }
.chart-focus-line { stroke: #91a0a4; stroke-width: 1; stroke-dasharray: 4 4; }
.chart-focus-dot { fill: var(--white); stroke: var(--teal); stroke-width: 3; vector-effect: non-scaling-stroke; }
.chart-focus[hidden] { display: none; }
.chart-tooltip { position: absolute; z-index: 4; min-width: 126px; padding: 10px 12px; border-radius: 8px; color: var(--white); background: var(--ink); box-shadow: 0 10px 25px rgba(11,29,38,.22); transform: translate(12px, calc(-100% - 10px)); pointer-events: none; }
.chart-tooltip.is-left { transform: translate(calc(-100% - 12px), calc(-100% - 10px)); }
.chart-tooltip strong, .chart-tooltip span { display: block; }
.chart-tooltip span { color: rgba(255,255,255,.67); font-size: .68rem; }
.chart-source { margin: 8px 0 0; color: var(--muted); font-size: .7rem; }
.market-explainer { margin-top: 34px; padding: clamp(26px, 4vw, 40px); border-radius: var(--radius); color: var(--white); background: var(--ink); }
.market-explainer > div:first-child { max-width: 900px; }
.market-explainer h3 { max-width: 820px; margin-bottom: 14px; font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
.market-explainer > div:first-child p { color: rgba(255,255,255,.7); }
.risk-ladder { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 30px; border: 1px solid rgba(255,255,255,.13); border-radius: 12px; overflow: hidden; }
.risk-ladder div { padding: 23px; border-right: 1px solid rgba(255,255,255,.13); }
.risk-ladder div:last-child { border-right: 0; }
.risk-ladder span { display: block; min-height: 34px; color: var(--gold-soft); font-size: .63rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.risk-ladder strong { display: block; margin: 5px 0 8px; font: 500 1.22rem Georgia, serif; }
.risk-ladder p { margin: 0; color: rgba(255,255,255,.62); font-size: .82rem; }
.risk-summary { margin: 24px 0 0; color: rgba(255,255,255,.74); }
.risk-summary strong { color: var(--white); }
.factor-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 42px; }
.factor-card { padding: 31px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.factor-card > span { color: var(--gold); font-size: .7rem; font-weight: 900; letter-spacing: .12em; }
.factor-card h3 { margin: 11px 0 12px; }
.factor-card p { margin: 0; color: var(--muted); }

.process { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 44px; counter-reset: process; }
.process article { counter-increment: process; padding-right: 20px; }
.process article::before { content: "0" counter(process); display: block; margin-bottom: 15px; color: var(--gold); font-size: .78rem; font-weight: 850; letter-spacing: .1em; }

.calculator-shell { display: grid; grid-template-columns: 1.12fr .88fr; gap: 24px; align-items: stretch; margin-top: 40px; }
.calculator-panel { padding: clamp(24px, 4vw, 40px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 12px 42px rgba(11,29,38,.06); }
.field-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.field--wide { grid-column: 1 / -1; }
.field label { display: block; margin-bottom: 7px; font-size: .78rem; font-weight: 820; }
.input-wrap { position: relative; }
.input-prefix, .input-suffix { position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 800; pointer-events: none; }
.input-prefix { left: 14px; }
.input-suffix { right: 14px; }
.field input, .field select, .field textarea {
  width: 100%;
  min-height: 52px;
  padding: 12px 14px;
  border: 1px solid #cbd3d5;
  border-radius: 8px;
  outline: none;
  background: #fff;
  color: var(--ink);
}
.field input.has-prefix { padding-left: 31px; }
.field input.has-suffix { padding-right: 42px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(13,119,117,.13); }
.field small { display: block; margin-top: 6px; color: var(--muted); font-size: .7rem; }
.loan-review-layout { grid-template-columns: .78fr 1.22fr; gap: clamp(38px, 6vw, 82px); }
.review-form-card h2 { margin-bottom: 14px; font-size: clamp(2.15rem, 4vw, 3.55rem); }
.review-form-card > p { margin-bottom: 28px; color: var(--muted); }
.review-form { display: grid; gap: 24px; }
.review-form textarea { min-height: 138px; resize: vertical; }
.radio-field { min-width: 0; padding: 0; border: 0; }
.radio-field legend { margin-bottom: 7px; font-size: .78rem; font-weight: 820; }
.radio-options { display: flex; min-height: 52px; gap: 9px; }
.radio-option { display: flex; flex: 1; align-items: center; justify-content: center; gap: 8px; padding: 12px 14px; border: 1px solid var(--line); border-radius: 8px; background: #fff; cursor: pointer; }
.radio-option:has(input:checked) { border-color: var(--teal); background: rgba(13,119,117,.08); color: var(--teal-dark); font-weight: 800; }
.radio-option input { width: auto; min-height: auto; accent-color: var(--teal); }
.form-consent { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-size: .76rem; line-height: 1.55; }
.form-consent input { flex: 0 0 auto; margin-top: 4px; accent-color: var(--teal); }
.review-form .button { justify-self: start; }
.form-status { min-height: 1.4em; margin: -8px 0 0; color: var(--teal-dark); font-size: .78rem; font-weight: 750; }
.form-status--success { color: #9ce6c3; }
.form-status--error { color: #ffb7a8; }
.honeypot-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.result-panel {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(27px, 4.5vw, 46px);
  border-radius: var(--radius);
  color: var(--white);
  background: linear-gradient(150deg, rgba(13,119,117,.42), transparent 46%), var(--ink);
}
.result-label { color: rgba(255,255,255,.6); font-size: .72rem; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }
.result-total { margin: 8px 0 2px; font: 500 clamp(3rem, 6vw, 5rem) Georgia, serif; line-height: 1; }
.result-unit { color: rgba(255,255,255,.6); font-size: .82rem; }
.result-list { margin: 25px 0 0; padding: 0; border-top: 1px solid rgba(255,255,255,.14); list-style: none; }
.result-list li { display: flex; justify-content: space-between; gap: 18px; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.result-list span:first-child { color: rgba(255,255,255,.65); }
.result-list .result-profit { padding-top: 15px; }
.result-list .result-profit span { color: rgba(255,255,255,.86); font-weight: 760; }
.profit-positive { color: #9fe1c0; }
.profit-negative { color: #ffd397; }
.result-caveat { margin: 13px 0 0; color: rgba(255,255,255,.5); font-size: .68rem; line-height: 1.55; }
.status-good { color: #9fe1c0; }
.status-review { color: #ffd397; }

.page-hero {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: flex-end;
  padding: 170px 0 84px;
  color: var(--white);
  overflow: hidden;
  background: var(--ink);
}
.page-hero::before { content: ""; position: absolute; inset: 0; background: url("small-rental-home-hero.png") center / cover no-repeat; opacity: .48; }
.page-hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(6,21,30,.97), rgba(6,21,30,.65)); }
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { max-width: 940px; font-size: clamp(3rem, 7vw, 6.4rem); }
.page-hero p { max-width: 720px; margin-top: 23px; color: rgba(255,255,255,.78); font-size: 1.12rem; }

.faq { margin-top: 34px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { display: flex; justify-content: space-between; gap: 20px; padding: 24px 0; cursor: pointer; list-style: none; font: 500 1.2rem Georgia, serif; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--teal); font-family: system-ui; font-weight: 500; }
.faq details[open] summary::after { content: "−"; }
.faq details p { max-width: 740px; padding: 0 35px 20px 0; color: var(--muted); }

.cta-band { padding: 78px 0; color: var(--white); background: var(--teal-dark); }
.cta-row { display: flex; align-items: center; justify-content: space-between; gap: 36px; }
.cta-row h2 { max-width: 770px; font-size: clamp(2.15rem, 4.4vw, 4.1rem); }
.quote { padding: 30px; border-left: 4px solid var(--gold); background: var(--cream); font: 500 1.3rem Georgia, serif; }

.footer { padding: 64px 0 28px; color: rgba(255,255,255,.69); background: #0b1419; }
.footer-grid { display: grid; grid-template-columns: 1.35fr .8fr .8fr; gap: 52px; }
.footer h3 { margin-bottom: 17px; color: var(--white); font-size: 1.17rem; }
.footer a { color: var(--white); text-underline-offset: 3px; }
.footer-contact-note { display: inline-block; max-width: 300px; margin-top: 7px; color: rgba(255,255,255,.62); font-size: .78rem; line-height: 1.45; }
.footer-nav { display: grid; gap: 8px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); font-size: .7rem; }
.footer-disclosure { max-width: 850px; }

.modal-backdrop { position: fixed; inset: 0; z-index: 50; display: none; place-items: center; padding: 20px; background: rgba(4,14,20,.72); }
.modal-backdrop.open { display: grid; }
.modal { width: min(540px, 100%); padding: 34px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.modal-close { float: right; width: 37px; height: 37px; border: 1px solid var(--line); border-radius: 50%; background: transparent; cursor: pointer; }

@media (max-width: 980px) {
  .menu-toggle { display: grid; place-items: center; }
  .nav-links {
    position: fixed;
    inset: 82px 0 0;
    display: none;
    align-content: start;
    align-items: stretch;
    padding: 28px 22px;
    color: var(--ink);
    background: var(--paper);
    overflow-y: auto;
  }
  .menu-open .nav-links { display: grid; }
  .nav-links > a, .nav-dropdown > button { width: 100%; padding: 16px 0; border-bottom: 1px solid var(--line); text-align: left; font-size: .78rem; }
  .nav-cta { margin-top: 10px; text-align: center !important; }
  .dropdown-menu { position: static; width: 100%; padding: 0 0 0 14px; border: 0; box-shadow: none; transform: none; visibility: visible; opacity: 1; background: transparent; }
  .dropdown-menu a { padding: 11px 0; }
  .split { gap: 45px; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .calculator-shell { grid-template-columns: 1fr; }
  .factor-grid { grid-template-columns: repeat(2, 1fr); }
  .risk-ladder { grid-template-columns: repeat(2, 1fr); }
  .risk-ladder div:nth-child(2) { border-right: 0; }
  .risk-ladder div:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.13); }
}

@media (max-width: 720px) {
  .container, .narrow { width: min(100% - 28px, 1180px); }
  .section { padding: 76px 0; }
  .hero { min-height: 720px; }
  .hero::before { background-position: 64% center; }
  .hero::after { background: linear-gradient(90deg, rgba(6,21,30,.96), rgba(6,21,30,.72)); }
  .hero-content { padding-top: 132px; }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(even) { border-right: 0; }
  .stat:nth-child(-n+4) { border-bottom: 1px solid rgba(255,255,255,.11); }
  .stat:last-child { grid-column: 1 / -1; }
  .split, .card-grid, .program-grid, .process, .footer-grid, .optout-banner, .factor-grid { grid-template-columns: 1fr; }
  .split { gap: 28px; }
  .optout-banner { gap: 24px; padding: 28px; }
  .section-heading-row, .treasury-head { align-items: flex-start; flex-direction: column; }
  .section-heading-row { margin-bottom: 30px; }
  .chart-stats { grid-template-columns: repeat(2, 1fr); }
  .chart-stats div:nth-child(2) { border-right: 0; }
  .chart-stats div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .chart-stats div:nth-child(odd) { padding-left: 0; }
  .chart-wrap { min-height: 240px; }
  .risk-ladder { grid-template-columns: 1fr; }
  .risk-ladder div, .risk-ladder div:nth-child(2) { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.13); }
  .risk-ladder div:last-child { border-bottom: 0; }
  .card { padding: 27px; }
  .field-grid { grid-template-columns: 1fr; }
  .field--wide { grid-column: auto; }
  .cta-row, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .page-hero { min-height: 500px; padding-top: 140px; }
  .footer-grid { gap: 28px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}