/* The Mortgage Actuary · look from Co-In by RahMan (Dribbble shots 27530927, 27540727), picked 2026-10-11.
   Values measured on the 2268 px full-page shot (1440 design width, factor 1.575). */
@font-face{font-family:"DM Sans";src:url(/assets/fonts/dm-sans-var.woff2) format("woff2");font-weight:100 1000;font-display:swap}
:root{
  --mint:#d7f2e9; --mint-2:#f0faf5; --mint-3:#f9fffb; --line:#e6eeea; --line-2:#dfe9e4;
  --ink:#000800; --ink-2:#131d18; --text:#3a423d; --muted:#6b756f;
  --green:#03bd70; --green-2:#07b873; --green-deep:#09ab62;
  --night:#0a1b13; --brick:#1a2b23; --mortar:#24362d;
  --wrap:1212px; --gut:24px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:"DM Sans",system-ui,sans-serif;color:var(--ink);background:#fff;font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:inherit}
.wrap{max-width:calc(var(--wrap) + 2*var(--gut));margin:0 auto;padding:0 var(--gut)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
h1,h2,h3{font-weight:500;margin:0;letter-spacing:-.025em}
.h2{font-size:48px;line-height:1.06}
p{margin:0}

/* Buttons: square corners, dark fill with soft drop shadow, outline twin */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;height:53px;padding:0 24px;font:500 17px/1 "DM Sans",sans-serif;letter-spacing:-.01em;text-decoration:none;border:1.5px solid var(--ink-2);cursor:pointer;white-space:nowrap}
.btn svg{width:18px;height:18px;flex:none}
.btn-dark{background:var(--ink-2);color:#fff;box-shadow:0 12px 26px rgba(10,27,19,.22)}
.btn-dark:hover{background:#000}
.btn-line{background:transparent;color:var(--ink-2)}
.btn-line:hover{background:var(--ink-2);color:#fff}
.btn-white{background:#fff;color:var(--ink-2);border-color:#fff}
.btn-block{width:100%;height:64px}

/* Bracket tag: [ How It Works ] */
.tag{display:inline-block;position:relative;padding:4px 12px;font-size:15px;color:var(--text);margin-bottom:18px}
.tag::before,.tag::after{content:"";position:absolute;top:0;bottom:0;width:6px;border:1.5px solid var(--ink-2)}
.tag::before{left:0;border-right:0}.tag::after{right:0;border-left:0}
.on-dark .tag{color:#c9d6cf}.on-dark .tag::before,.on-dark .tag::after{border-color:#c9d6cf}

/* Header */
.site-header{position:absolute;top:0;left:0;right:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:104px}
.logo img{height:30px;width:auto}
.nav{display:flex;gap:26px;font-size:16px}
.nav a{text-decoration:none;color:var(--muted)}
.nav a:hover,.nav a[aria-current]{color:var(--ink)}
.head-right{display:flex;align-items:center;gap:22px}
.lang{font-size:15px;text-decoration:none;color:var(--text);letter-spacing:.04em}
.portal-link{display:inline-flex;align-items:center;gap:7px;letter-spacing:0;white-space:nowrap}
.portal-link svg{width:17px;height:17px;flex:none}
.lang:hover{color:var(--ink)}
.head-right .btn{height:46px;font-size:16px;padding:0 22px}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}
.menu-btn span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0}

/* Hero */
.hero{background:linear-gradient(180deg,var(--mint) 0%,var(--mint) 52%,#fff 82%);position:relative;padding-top:104px}
.hero-art{position:relative;max-width:1440px;margin:0 auto}
.hero-art img{width:100%;height:auto;aspect-ratio:12/5;object-fit:cover;-webkit-mask-image:linear-gradient(180deg,#000 62%,transparent 96%);mask-image:linear-gradient(180deg,#000 62%,transparent 96%)}
.pin{position:absolute;display:flex;flex-direction:column;align-items:center;transform:translateX(-50%);text-decoration:none}
.pin-card{display:flex;align-items:center;gap:10px;background:#fff;padding:5px 12px 5px 5px;font-size:14px;color:var(--ink);box-shadow:0 8px 20px rgba(10,27,19,.10);white-space:nowrap}
.pin-card b{font-weight:500}
.pin-ico{width:32px;height:32px;display:grid;place-items:center;background:var(--green);color:#fff}
.pin-ico.dark{background:var(--ink-2)}
.pin-ico svg{width:18px;height:18px}
.pin-line{width:1px;height:var(--l,64px);background:#fff}
.pin-dot{width:9px;height:9px;border-radius:50%;background:#fff;box-shadow:0 0 0 3px rgba(255,255,255,.35)}
.hero-copy{display:grid;grid-template-columns:1fr auto;align-items:end;gap:40px;padding:6px var(--gut) 76px;margin-top:-40px;position:relative}
.hero-copy h1{font-size:64px;line-height:1.04;max-width:640px;letter-spacing:-.03em}
.hero-copy p{margin-top:22px;font-size:17px;line-height:1.5;color:var(--text);max-width:560px}
.hero-actions{display:flex;gap:12px}
.rates-date{font-size:13px;color:var(--muted);margin-top:14px}

/* Stats row */
.stats{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--mint-3)}
.stats .wrap{display:flex;justify-content:space-between;padding-top:26px;padding-bottom:26px}
.stat b{display:block;font-size:24px;font-weight:500;letter-spacing:-.03em}
.stat span{font-size:16px;color:var(--text)}
.stat:nth-child(2){text-align:center}.stat:nth-child(3){text-align:right}
.stats-note{font-size:13px;color:var(--muted);text-align:center;padding:0 var(--gut) 18px;background:var(--mint-3);margin:0;border-bottom:1px solid var(--line)}

/* Framed sections (thin vertical guide lines at the content edges) */
.framed{background:var(--mint-3);position:relative}
.framed .wrap{position:relative}
.framed .rails{position:absolute;inset:0 var(--gut);border-left:1px solid var(--line);border-right:1px solid var(--line);pointer-events:none}

/* Steps */
.steps{padding:72px 0 40px}
.steps-head{padding:0 60px}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:72px}
.step{padding:34px 32px 30px;border-left:1px solid var(--line);min-height:520px;display:flex;flex-direction:column}
.step:first-child{border-left:0}
.step.lift{background:#fff;box-shadow:0 30px 70px rgba(10,27,19,.09);border-left:0;position:relative;z-index:1}
.step-no{color:var(--green-2);font-size:15px}
.step h3{font-size:22px;margin-top:18px;letter-spacing:-.025em}
.step p{font-size:16px;color:var(--text);margin-top:10px;max-width:300px}
.step-art{margin-top:auto;padding-top:40px}
.grid-art{position:relative;height:250px}
.grid-art::before{content:"";position:absolute;inset:0;background:linear-gradient(var(--line-2),var(--line-2)) 0 30%/100% 1px no-repeat,linear-gradient(var(--line-2),var(--line-2)) 0 70%/100% 1px no-repeat,linear-gradient(var(--line-2),var(--line-2)) 34% 0/1px 100% no-repeat,linear-gradient(var(--line-2),var(--line-2)) 66% 0/1px 100% no-repeat}
.grid-art .cell{position:absolute;left:34%;top:30%;width:32%;height:40%;display:grid;place-items:center;background:repeating-linear-gradient(135deg,#fff 0 3px,#f6f8f7 3px 4px)}
.grid-art svg{width:40px;height:40px}
.bars{display:flex;align-items:flex-end;gap:12px;height:250px}
.bar{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:flex-end;height:100%}
.bar i{display:block;width:100%;background:repeating-linear-gradient(135deg,#eef1ef 0 3px,#e6eae8 3px 5px)}
.bar.on i{background:repeating-linear-gradient(135deg,var(--green) 0 3px,#00b064 3px 5px)}
.bar em{font-style:normal;font-size:13px;font-weight:500;margin-bottom:8px;text-align:center;line-height:1.2}
.stripes{display:flex;align-items:flex-end;gap:16px;height:230px}
.stripe{flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:100%}
.stripe .s-all{position:relative;background:repeating-linear-gradient(180deg,#dcdcdc 0 3px,transparent 3px 6px)}
.stripe .s-on{position:absolute;left:0;right:0;bottom:0;background:repeating-linear-gradient(180deg,var(--green) 0 3px,transparent 3px 6px)}
.stripe small{display:block;text-align:center;font-size:13px;color:var(--muted);margin-top:12px}
.stripe b{display:block;text-align:center;font-size:12px;font-weight:500;margin-bottom:6px}
.art-note{font-size:12px;color:var(--muted);margin-top:10px}

/* Split with toggle */
.split-sec{padding:40px 0 0}
.center{text-align:center}
.toggle{display:inline-flex;margin-top:40px;border:1px solid var(--line-2);background:#f4f9f5;padding:4px}
.toggle button{font:400 22px/1 "DM Sans",sans-serif;letter-spacing:-.02em;height:48px;padding:0 54px;border:0;background:transparent;color:var(--ink);cursor:pointer}
.toggle button[aria-selected=true]{background:#000;color:#fff}
.split{display:grid;grid-template-columns:555px 1fr;margin-top:56px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split-left{background:#fff;padding:40px 44px 36px}
.split-left h3{font-size:30px;line-height:1.08;letter-spacing:-.035em}
.split-left>p{font-size:16px;color:var(--text);margin-top:16px;max-width:380px}
.feats{list-style:none;padding:0;margin:56px 0 46px}
.feats li{display:flex;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
.feats li:last-child{border-bottom:0}
.feat-ico{width:46px;height:46px;display:grid;place-items:center;border:1px solid var(--line-2);background:#fff;box-shadow:0 6px 14px rgba(10,27,19,.06);flex:none}
.feats li:first-child .feat-ico{border-color:var(--green)}
.feat-ico svg{width:22px;height:22px}
.feats a{font-size:20px;letter-spacing:-.02em;text-decoration:none}
.feats a:hover{text-decoration:underline}
.split-right{background:linear-gradient(200deg,#7fe0b0 0%,var(--green-deep) 30%,var(--green-deep) 100%);padding:48px 0 0 44px;overflow:hidden;display:flex}
.panel{background:#fff;flex:1;padding:34px 36px;box-shadow:0 20px 50px rgba(0,40,20,.25);min-height:100%}
.panel-k{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.panel h4{font-size:22px;font-weight:500;margin:6px 0 0;letter-spacing:-.02em}
.panel p{font-size:15px;color:var(--text);margin-top:12px;max-width:520px}
.ratio{display:flex;gap:20px;margin-top:26px}
.ratio-box{border:1px solid var(--line);padding:18px 20px;flex:1}
.ratio-box b{display:block;font-size:34px;font-weight:500;letter-spacing:-.03em}
.ratio-box span{font-size:13px;color:var(--muted)}
.ratio-bars{display:flex;align-items:flex-end;gap:14px;height:150px;margin-top:22px;border-bottom:1px solid var(--line)}
.ratio-bars div{flex:1;display:flex;flex-direction:column;justify-content:flex-end;height:100%}
.ratio-bars i{display:block;background:repeating-linear-gradient(135deg,var(--green) 0 3px,#00b064 3px 5px)}
.ratio-bars div:last-child i{background:repeating-linear-gradient(135deg,#e2e7e4 0 3px,#d7ddda 3px 5px)}
.ratio-bars small{font-size:12px;color:var(--muted);text-align:center;margin-top:6px}
.draws{display:grid;gap:12px;margin-top:24px}
.draw{display:grid;grid-template-columns:110px 1fr;align-items:center;gap:14px;font-size:14px}
.draw i{display:block;height:14px;background:repeating-linear-gradient(135deg,var(--green) 0 3px,#00b064 3px 5px)}
.draw.todo i{background:repeating-linear-gradient(135deg,#e2e7e4 0 3px,#d7ddda 3px 5px)}
.panel-foot{margin-top:26px;display:flex;align-items:center;gap:12px;background:var(--ink-2);color:#fff;padding:14px 18px;font-size:14px}
.panel-foot svg{width:22px;height:22px;flex:none;color:var(--green)}
[hidden]{display:none!important}

/* Featured cards */
.featured{background:var(--mint-2);padding:96px 0 110px}
.feat-head{display:grid;grid-template-columns:1fr 340px;align-items:start;gap:40px}
.feat-head p{font-size:20px;line-height:1.4;letter-spacing:-.015em;margin-top:40px}
.cards{display:grid;grid-template-columns:1fr 34px 1fr 34px 1fr;margin-top:70px;border:1px solid var(--line-2);background:#fff}
.gap-hatch{background:repeating-linear-gradient(135deg,#fff 0 4px,#e9efec 4px 5px);border-left:1px solid var(--line-2);border-right:1px solid var(--line-2)}
.card{padding:10px 10px 18px}
.card-img{position:relative}
.card-img img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover}
.card-badge{position:absolute;top:8px;right:8px;background:#fff;font-size:13px;padding:6px 10px}
.card h3{font-size:20px;margin:18px 4px 0;letter-spacing:-.02em}
.card-loc{display:flex;align-items:center;gap:6px;font-size:14px;color:var(--text);margin:6px 4px 0}
.card-loc svg{width:15px;height:15px}
.card-docs{font-size:14px;color:var(--text);margin:12px 4px 0;min-height:63px}
.meta{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line-2);margin:16px 4px 0}
.meta div{text-align:center;padding:8px 6px}
.meta div+div{border-left:1px solid var(--line-2)}
.meta span{display:block;font-size:12px;color:var(--muted)}
.meta b{font-size:14px;font-weight:500}
.card .btn{margin:14px 4px 0;width:calc(100% - 8px);height:48px;box-shadow:none}

/* Brick wall */
.bricks-sec{background:var(--night);color:#fff;padding:120px 0 140px}
.bricks-sec h2{text-align:center}
.bricks-sec .sub{text-align:center;color:#c9d6cf;font-size:15px;margin-top:14px}
.wall{margin-top:96px;display:grid;gap:8px}
.row{display:flex;gap:8px}
.brick{background:var(--brick);height:84px;display:grid;place-items:center;text-align:center;padding:0 12px;font-size:17px;color:#fff;text-decoration:none;box-shadow:inset 0 -8px 0 var(--mortar);border-top:1px solid #23352c}
.brick.empty{pointer-events:none}
.brick:hover{outline:4px solid var(--green);outline-offset:-4px;position:relative}
.brick.hl{outline:4px solid var(--green);outline-offset:-4px}

/* Closing call to action with the inquiry form */
.cta{position:relative;background:radial-gradient(420px 320px at 32% 0%,#0d5a34 0%,rgba(13,90,52,0) 100%),var(--night);color:#fff;padding:96px 0 110px;overflow:hidden}
.cta::after{content:"";position:absolute;right:0;top:0;width:52%;height:100%;background:conic-gradient(#10261b 25%,transparent 0 50%,#10261b 0 75%,transparent 0) 0 0/144px 144px;opacity:.55;pointer-events:none}
.cta .wrap{display:grid;grid-template-columns:1fr 520px;gap:60px;position:relative;z-index:1}
.cta h2{font-size:44px;line-height:1.08}
.cta-copy p{color:#c9d6cf;font-size:16px;margin-top:18px;max-width:420px}
.cta-direct{margin-top:46px;display:grid;gap:12px;font-size:16px}
.cta-direct a{display:inline-flex;align-items:center;gap:12px;text-decoration:none}
.cta-direct .sq{width:46px;height:46px;background:#fff;color:var(--ink-2);display:grid;place-items:center}
.cta-direct .sq svg{width:20px;height:20px}
.form{background:#fff;color:var(--ink);padding:30px 30px 26px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field.full{grid-column:1/-1}
.field label{display:block;font-size:13px;color:var(--text);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;font:16px "DM Sans",sans-serif;border:1px solid var(--line-2);background:#fff;padding:12px 14px;border-radius:0;color:var(--ink)}
.field textarea{resize:vertical;min-height:96px}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--green);outline-offset:-1px}
[aria-invalid=true]{border-color:#c0392b!important}
.field .consent,.consent{display:flex;gap:10px;font-size:13px;color:var(--text);line-height:1.4}
.consent input{width:18px;height:18px;flex:none;margin-top:1px;accent-color:var(--ink-2)}
.form .btn{margin-top:18px;width:100%}
.form-note{font-size:12px;color:var(--muted);margin-top:10px}
.form-status{font-size:14px;margin-top:10px;min-height:20px}
.form-status.error{color:#b4231a}
.trap{position:absolute;left:-9999px}

/* Footer */
.site-footer{background:var(--mint-3);padding:56px 0 30px}
.foot-top{display:grid;grid-template-columns:1fr auto;align-items:center;gap:40px;padding-bottom:30px;border-bottom:1px solid var(--line)}
.foot-top p{font-size:20px;line-height:1.4;letter-spacing:-.015em;max-width:520px}
.foot-call{display:flex;align-items:center;border:1px solid var(--line-2);background:#fff;padding:6px 6px 6px 18px;gap:26px;text-decoration:none;font-size:16px;color:var(--text)}
.foot-call span:last-child{width:32px;height:32px;background:var(--ink-2);color:#fff;display:grid;place-items:center}
.foot-call svg{width:16px;height:16px}
.foot-mid{display:grid;grid-template-columns:1fr repeat(3,auto);gap:90px;padding:40px 0;border-bottom:1px solid var(--line)}
.foot-mid img{height:40px;width:auto}
.foot-col h4{font-size:17px;font-weight:500;margin:0 0 16px}
.foot-col a{display:block;font-size:15px;color:var(--muted);text-decoration:none;margin-bottom:10px}
.foot-col a:hover{color:var(--ink)}
.foot-legal{font-size:13px;color:var(--muted);text-align:center;padding-top:26px;max-width:860px;margin:0 auto;line-height:1.55}


/* ---------- Inner pages: same blocks as the home page ---------- */
.hero-inner .hero-art{overflow:hidden}
.hero-inner .hero-art img{transform:scale(1.5);transform-origin:var(--o,50% 50%);aspect-ratio:16/5;-webkit-mask-image:linear-gradient(180deg,#000 55%,transparent 98%);mask-image:linear-gradient(180deg,#000 55%,transparent 98%)}
.hero-inner .hero-copy{margin-top:-70px;padding-bottom:64px}
.hero-inner .hero-copy h1{font-size:56px;max-width:760px}
.ital{font-style:italic}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ink)}
.cred{font-size:14px;color:var(--muted);margin-top:18px}
.sec{padding:88px 0}
.framed.sec+.framed.sec{border-top:1px solid var(--line)}
.two{display:grid;grid-template-columns:380px 1fr;gap:72px;padding:0 60px}
.two .h2{font-size:40px;position:sticky;top:30px}
.moments{list-style:none;margin:0 0 26px;padding:0}
.moments li{display:flex;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:18px;letter-spacing:-.01em}
.moments li:first-child .feat-ico{border-color:var(--green)}
.prose p,.sec-after p,.two>div>p{font-size:17px;color:var(--text);line-height:1.6;margin:0 0 18px;max-width:680px}
.prose strong{color:var(--ink);font-weight:500}
.sec-head{padding:0 60px}
.psteps{display:grid;grid-template-columns:repeat(5,1fr);margin-top:56px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.pstep{padding:26px 22px 30px;border-left:1px solid var(--line);background:transparent}
.pstep:first-child{border-left:0}
.pstep:nth-child(2){background:#fff;box-shadow:0 26px 60px rgba(10,27,19,.08);border-left:0;position:relative;z-index:1}
.pstep p{font-size:16px;color:var(--text);margin-top:14px}
.pstep strong{display:block;color:var(--ink);font-weight:500;font-size:19px;letter-spacing:-.02em;margin-bottom:6px}
.sec-after{padding:30px 60px 0}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{list-style:none;display:flex;justify-content:space-between;gap:24px;cursor:pointer;padding:16px 0;font-size:19px;letter-spacing:-.015em}
.faq summary::-webkit-details-marker{display:none}
.faq summary span{font-size:24px;line-height:1;color:var(--green-2)}
.faq details[open] summary span{transform:rotate(45deg)}
.faq details p{font-size:16px;color:var(--text);margin:0 0 18px;max-width:640px}
.tbl{overflow-x:auto;margin:6px 0 26px}
.tbl table{border-collapse:collapse;width:100%;background:#fff;border:1px solid var(--line-2);font-size:15px}
.tbl th,.tbl td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}
.tbl thead th{background:var(--mint-2);font-weight:500;font-size:14px}
.tbl tbody th{font-weight:400;color:var(--text)}
.tbl td{font-weight:500}
.docs.featured{padding:88px 0}
.docs .prose p:first-child{font-size:20px;color:var(--ink);letter-spacing:-.015em}
.tbc{background:linear-gradient(transparent 60%,#fff2b3 60%);}
li.tbc,details.tbc,.pstep.tbc{background:#fffbe6}
p.tbc::after,li.tbc::after,details.tbc>summary::after{content:" · à confirmer";font-size:12px;color:#8a6d00}
html[lang^=en] p.tbc::after,html[lang^=en] li.tbc::after,html[lang^=en] details.tbc>summary::after{content:" · to confirm"}
.rel{padding:56px 0}
.rel .sub{margin:0 0 26px;text-align:left;font-size:14px;letter-spacing:.04em;text-transform:uppercase}
.rel .wall{margin-top:0}
.rel .brick{flex:1;height:auto;min-height:84px;padding:14px 18px;line-height:1.35;font-size:15px}
.rel .brick b{font-weight:500;font-size:17px}
.rates-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line-2);background:#fff;margin-bottom:14px}
.rate{padding:22px 22px 18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.rate:nth-child(3n){border-right:0}
.rate b{display:block;font-size:32px;font-weight:500;letter-spacing:-.03em}
.rate span{display:block;font-size:14px;color:var(--text);margin-top:4px}
.rate small{display:block;font-size:12px;color:var(--muted);margin-top:6px}
.ind-chart{background:#fff;border:1px solid var(--line-2);padding:28px 26px 18px;margin-top:10px}
.ind-chart .stripes{height:260px}
@media (max-width:900px){
  .hero-inner .hero-art img{aspect-ratio:16/9}
  .hero-inner .hero-copy{margin-top:-20px;padding-bottom:40px}
  .hero-inner .hero-copy h1{font-size:34px}
  .sec,.docs.featured{padding:52px 0}
  .two{grid-template-columns:1fr;gap:22px;padding:0}
  .two .h2{font-size:30px;position:static}
  .sec-head,.sec-after{padding-left:0;padding-right:0}
  .psteps{grid-template-columns:1fr;margin-top:28px}
  .pstep{border-left:0;border-top:1px solid var(--line);padding:22px 4px}
  .pstep:nth-child(2){padding:22px 16px}
  .moments li{font-size:16px}
  .faq summary{font-size:17px}
  .rates-grid{grid-template-columns:1fr 1fr}
  .rate:nth-child(3n){border-right:1px solid var(--line)}.rate:nth-child(2n){border-right:0}
  .rate b{font-size:24px}
}

/* Ronald's video: poster in the hero, opens large over the page (wide on computers, tall on phones) */
.hero-side{display:flex;flex-direction:column;gap:16px;width:min-content}
.vid{position:relative;display:block;width:100%;aspect-ratio:16/9;padding:0;border:0;background:var(--ink-2);cursor:pointer;overflow:hidden;box-shadow:0 12px 26px rgba(10,27,19,.18)}
.vid img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.vid:hover img,.vid:focus-visible img{transform:scale(1.03)}
.vid:focus-visible{outline:2px solid var(--green);outline-offset:3px}
.vid-play{position:absolute;left:14px;bottom:14px;width:48px;height:48px;display:grid;place-items:center;background:var(--green);color:#fff}
.vid-play svg{width:22px;height:22px}
.vid-cap{position:absolute;left:62px;bottom:14px;min-height:48px;max-width:calc(100% - 76px);display:flex;align-items:center;padding:7px 13px;background:#fff;font:500 14px/1.25 "DM Sans",sans-serif;color:var(--ink);text-align:left}
.vid-modal{padding:0;border:0;background:transparent;width:min(92vw,calc(86vh*16/9));max-width:none;max-height:none;overflow:visible}
.vid-modal.tall{width:min(92vw,calc(86vh*9/16))}
.vid-modal::backdrop{background:rgba(0,8,0,.86)}
.vid-modal video{display:block;width:100%;height:auto;background:#000}
.vid-close{position:fixed;top:16px;right:16px;width:48px;height:48px;display:grid;place-items:center;background:#fff;color:var(--ink);border:0;cursor:pointer}
.vid-close svg{width:22px;height:22px}

/* Phone and small tablets */
@media (max-width:900px){
  :root{--gut:16px}
  .nav,.head-right .btn{display:none}
  .menu-btn{display:block}
  .site-header .wrap{height:72px}
  .logo img{height:24px}
  .nav.open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;gap:0;background:#fff;padding:8px 16px;box-shadow:0 12px 30px rgba(0,0,0,.08)}
  .nav.open a{padding:14px 0;border-bottom:1px solid var(--line);font-size:18px;color:var(--ink)}
  .hero{padding-top:72px}
  .hero-art img{aspect-ratio:4/3;object-position:46% 50%}
  .pin{display:none}.pin.keep{display:flex;transform:translateX(-50%) scale(.86)}
  .hero-copy{grid-template-columns:1fr;gap:24px;margin-top:-24px;padding-bottom:44px}
  .h2 br{display:none}
  .row{width:100%!important}
  .hero-copy h1{font-size:40px}
  .hero-copy p{font-size:16px;margin-top:14px}
  .hero-side{width:auto}
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%}
  .stats .wrap{gap:10px}
  .stat b{font-size:19px}.stat span{font-size:13px}
  .h2,.bricks-sec h2{font-size:32px}
  .steps{padding:52px 0 20px}
  .steps-head{padding:0}
  .steps-grid{grid-template-columns:1fr;margin-top:36px}
  .step{border-left:0;border-top:1px solid var(--line);min-height:0;padding:28px 4px}
  .step.lift{padding:28px 18px}
  .bars,.stripes,.grid-art{height:190px}
  .toggle{display:flex;width:100%}
  .toggle button{flex:1;padding:0 8px;font-size:16px}
  .split{grid-template-columns:1fr;margin-top:32px}
  .split-left{padding:28px 18px}
  .feats{margin:30px 0}
  .feats a{font-size:17px}
  .split-right{padding:28px 0 0 18px}
  .panel{padding:24px 20px}
  .ratio{flex-direction:column;gap:10px}
  .featured{padding:60px 0 70px}
  .feat-head{grid-template-columns:1fr;gap:0}
  .feat-head p{font-size:17px;margin-top:18px}
  .cards{grid-template-columns:1fr;margin-top:36px}
  .gap-hatch{height:24px;border:0;border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
  .bricks-sec{padding:70px 0 80px}
  .wall{margin-top:44px;gap:6px}.row{gap:6px;flex-wrap:wrap}
  .brick{height:64px;font-size:14px;flex:1 1 40%!important}
  .brick.empty{display:none}
  .cta{padding:64px 0 70px}
  .cta::after{width:100%;opacity:.25}
  .cta .wrap{grid-template-columns:1fr;gap:36px}
  .cta h2{font-size:32px}
  .form{padding:22px 18px}
  .form-grid{grid-template-columns:1fr}
  .foot-top,.foot-mid{grid-template-columns:1fr;gap:28px}
  .foot-top p{font-size:17px}
}

/* Steps: arrows hop between the cards, call / write buttons in card 1 (2026-10-13) */
.step{position:relative}
.step-no{display:block;height:22px}
.step .hop{position:absolute;z-index:2;top:18px;left:-60px;width:120px;height:44px;color:var(--green-2)}
.step-actions{display:flex;flex-direction:column;gap:12px;padding-top:40px;margin-top:auto}
.step-actions .btn{width:100%}
.step-actions .btn-dark{box-shadow:none}
@media (max-width:900px){
  .step-no{height:12px}
  .step .hop{top:-12px;left:auto;right:8px;width:84px;height:31px;transform:rotate(90deg)}
}

/* Hero rate pin: arrow shows it opens the Indicators page (2026-10-13) */
.pin-go{width:15px;height:15px;color:var(--green-deep);margin-left:-2px;transition:transform .2s}
.pin.keep:hover .pin-card{box-shadow:0 10px 26px rgba(10,27,19,.18)}
.pin.keep:hover .pin-go{transform:translateX(3px)}

/* Inner pages: the same hopping arrows between the step cards (2026-10-13) */
.pstep{position:relative}
.pstep .step-no{display:block;height:18px}
.pstep .hop{position:absolute;z-index:2;top:12px;left:-46px;width:92px;height:34px;color:var(--green-2)}
@media (max-width:900px){
  .pstep .step-no{height:6px}
  .pstep .hop{top:-14px;left:auto;right:8px;width:70px;height:26px;transform:rotate(90deg)}
}