/* Bearcat Mortgage · stadium-night bands, paper-white reading surfaces,
   UC red used like a scoreboard light: CTAs, the slash device, key numbers. */
:root {
  --paper: #f4f7fb;
  --surface: #ffffff;
  --ink: #0b1b2e;
  --muted: #4d5d70;
  --line: #dbe3ed;
  --accent: #1e5ba6;        /* UMCincy mid blue: buttons, slash, highlights */
  --accent-press: #174a88;
  --accent-text: #1e5ba6;
  --accent-on-night: #7db4f2;
  --slash: #0f8ab8;          /* logo blue, the slash device */
  --money: #e00122;          /* reserved for the $1,500 credit */
  --money-on-night: #ff4a5f;
  --danger: #c2001d;
  --tint: #dbeafe;           /* ice */
  --night: #0a2540;          /* navy bands */
  --night-2: #0f3053;
  --night-line: #1d4168;
  --on-night: #f3f7fc;
  --on-night-muted: #a9bdd3;
  --umc-blue: #0f8ab8;
  --focus: #3b82f6;

  --font-display: "Plus Jakarta Sans", "Segoe UI", system-ui, -apple-system, Helvetica, Arial, sans-serif;
  --font-body: "DM Sans", "Segoe UI", system-ui, -apple-system, Helvetica, Arial, sans-serif;

  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: clamp(1.5rem, 1.2rem + 1.2vw, 2rem);
  --step-3: clamp(2rem, 1.5rem + 2.2vw, 3rem);
  --step-4: clamp(2.6rem, 1.6rem + 4.4vw, 5.25rem);

  --radius: 6px;
  --wrap: 1200px;
  --gutter-l: max(20px, env(safe-area-inset-left, 0px));
  --gutter-r: max(20px, env(safe-area-inset-right, 0px));
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #08121f; --surface: #0f1c2d; --ink: #e9eff7; --muted: #9fb1c5;
    --line: #1e3048; --accent: #2f6fc0; --accent-press: #3b82f6; --accent-text: #7db4f2;
    --tint: #10284a; --night: #061428; --night-2: #0b2140; --night-line: #18365c;
    --danger: #ff5a6c; --money: #ff3048; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --paper: #08121f; --surface: #0f1c2d; --ink: #e9eff7; --muted: #9fb1c5;
  --line: #1e3048; --accent: #2f6fc0; --accent-press: #3b82f6; --accent-text: #7db4f2;
  --tint: #10284a; --night: #061428; --night-2: #0b2140; --night-line: #18365c;
  --danger: #ff5a6c; --money: #ff3048; color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--font-body); font-size: var(--step-0); line-height: 1.6;
  font-variant-numeric: tabular-nums;
}
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); background: var(--night); z-index: 60; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-text); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 3px; }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 100; background: var(--surface); color: var(--ink); padding: 10px 14px; }
.skip:focus { left: 12px; }
.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

h1, h2, h3, .display {
  font-family: var(--font-display); font-weight: 700; line-height: 1.02;
  letter-spacing: 0.005em; text-transform: uppercase; text-wrap: balance; margin: 0;
}
h1 { font-size: var(--step-4); font-weight: 800; }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-2); line-height: 1.08; }
p { margin: 0; }
.lede { font-size: var(--step-1); color: var(--muted); max-width: 62ch; }
.prose { max-width: 66ch; display: grid; gap: 1em; }
.prose h3 { margin-top: .6em; font-size: var(--step-1); letter-spacing: .02em; }
.prose ul, .prose ol { margin: 0; padding-left: 1.2em; display: grid; gap: .35em; }

/* the slash: UC's slanted red bar, used as the eyebrow mark */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-display); font-weight: 700; font-size: .95rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--muted);
}
.eyebrow::before { content: ""; width: 26px; height: 9px; background: var(--slash); transform: skewX(-20deg); flex: none; }
.night .eyebrow { color: var(--on-night-muted); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: var(--gutter-l); padding-right: var(--gutter-r); }
.section { padding-block: clamp(56px, 8vw, 104px); }
.section + .section.paper-alt, .paper-alt { background: var(--surface); }
.stack { display: grid; gap: 18px; }
.stack-lg { display: grid; gap: 32px; }
.sec-head { display: grid; gap: 14px; max-width: 760px; margin-bottom: clamp(28px, 4vw, 48px); }

.night { background: var(--night); color: var(--on-night); }
.night .lede, .night .muted { color: var(--on-night-muted); }
.night a:not(.btn) { color: var(--on-night); }
.muted { color: var(--muted); }
.red { color: var(--accent-text); }
.night .red { color: var(--accent-on-night); }

/* buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 12px 22px; border-radius: var(--radius);
  font-family: var(--font-display); font-weight: 700; font-size: 1.12rem;
  letter-spacing: .06em; text-transform: uppercase; text-decoration: none;
  border: 2px solid transparent; cursor: pointer; transition: background .15s, color .15s, border-color .15s;
}
.btn-red { background: var(--accent); color: #fff; }
.btn-red:hover { background: var(--accent-press); }
.btn-ghost { border-color: currentColor; color: var(--ink); background: transparent; }
.btn-ghost:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.night .btn-ghost { color: var(--on-night); }
.night .btn-ghost:hover { background: var(--on-night); color: var(--night); border-color: var(--on-night); }
.btn .arr { transition: transform .15s; }
.btn:hover .arr { transform: translateX(3px); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.textlink { font-weight: 700; text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
.textlink:hover { text-decoration: underline; }

/* header */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: var(--night); color: var(--on-night); border-bottom: 1px solid var(--night-line);
}
.hdr { display: flex; align-items: center; gap: 20px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--on-night); margin-right: auto; min-width: 0; }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-mark img { width: 100%; height: 100%; object-fit: contain; }
.brand-name { display: grid; line-height: 1; min-width: 0; }
.brand-name b { font-family: var(--font-display); font-weight: 800; font-size: 1.45rem; letter-spacing: .05em; text-transform: uppercase; white-space: nowrap; }
.brand-name small { font-size: .74rem; color: var(--on-night-muted); letter-spacing: .02em; margin-top: 4px; white-space: nowrap; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { color: var(--on-night); text-decoration: none; font-weight: 600; font-size: .97rem; padding: 8px 9px; border-radius: 4px; white-space: nowrap; }
.nav a:hover { background: var(--night-2); }
.nav a[aria-current="page"] { box-shadow: inset 0 -3px 0 var(--accent); border-radius: 0; }
.hdr .btn { min-height: 42px; padding: 8px 16px; font-size: 1rem; white-space: nowrap; }
.menu-btn { display: none; background: none; border: 1px solid var(--night-line); color: var(--on-night); border-radius: 4px; width: 44px; height: 44px; cursor: pointer; }
.menu-btn span, .menu-btn span::before, .menu-btn span::after { display: block; width: 20px; height: 2px; background: currentColor; margin: auto; position: relative; content: ""; }
.menu-btn span::before { position: absolute; top: -6px; } .menu-btn span::after { position: absolute; top: 6px; }
@media (max-width: 1260px) {
  .menu-btn { display: inline-grid; place-items: center; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--night); border-bottom: 1px solid var(--night-line); padding: 8px var(--gutter-r) 16px var(--gutter-l); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 6px; border-bottom: 1px solid var(--night-line); font-size: 1.05rem; }
  .nav a[aria-current="page"] { box-shadow: inset 4px 0 0 var(--accent); padding-left: 14px; }
}
@media (max-width: 520px) {
  .brand-name small { display: none; }
  .brand-name b { font-size: 1.05rem; letter-spacing: .03em; }
  .brand-mark { width: 34px; height: 34px; }
  .brand { gap: 8px; }
  .hdr { gap: 8px; }
  .hdr .btn { padding: 8px 12px; }
  .hdr .btn .long { display: none; }
}
@media (min-width: 521px) { .hdr .btn .short { display: none; } }

/* hero */
.hero { position: relative; overflow: hidden; }
.hero::before { /* yard-line hash, very faint */
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: repeating-linear-gradient(90deg, rgba(255,255,255,.035) 0 1px, transparent 1px 120px);
}
.hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .85fr); gap: clamp(32px, 5vw, 72px); align-items: center; padding-block: clamp(48px, 7vw, 96px); }
.hero h1 { margin: 18px 0 20px; }
.hero h1 .red { display: block; }
.hero .lede { margin-bottom: 30px; }
.hero-note { margin-top: 18px; font-size: var(--step--1); color: var(--on-night-muted); }
@media (max-width: 880px) { .hero-grid { grid-template-columns: minmax(0, 1fr); } }

/* the season ticket */
.ticket {
  position: relative; background: var(--on-night); color: #0b1b2e; border-radius: 10px;
  display: grid; grid-template-columns: minmax(0, 1fr) 92px; overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(2,10,24,.65); transform: rotate(-1.5deg);
  max-width: 460px; justify-self: end; width: 100%;
}
.ticket-main { padding: 26px 24px 22px; display: grid; gap: 12px; }
.ticket-top { display: flex; justify-content: space-between; gap: 10px; font-family: var(--font-display); font-weight: 700; letter-spacing: .14em; font-size: .82rem; text-transform: uppercase; color: #5b6b7e; }
.ticket-amt { font-family: var(--font-display); font-weight: 800; font-size: clamp(4rem, 3rem + 4vw, 6rem); line-height: .85; color: var(--money); letter-spacing: -.01em; }
.ticket-amt sup { font-size: .42em; vertical-align: top; position: relative; top: .15em; margin-right: 2px; }
.ticket-what { font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; text-transform: uppercase; line-height: 1; }
.ticket-admit { font-size: .92rem; color: #44546a; border-top: 1px dashed #c3cfdc; padding-top: 12px; }
.ticket-admit b { font-family: var(--font-display); letter-spacing: .12em; text-transform: uppercase; color: #0b1b2e; font-size: .85rem; display: block; }
.ticket-stub { background: var(--night); position: relative; display: grid; place-items: center; border-left: 2px dashed #c3cfdc; }
.ticket-stub img { width: 76px; }
.ticket-stub span { position: absolute; bottom: 14px; left: 50%; transform: translateX(-50%) rotate(180deg); writing-mode: vertical-rl; color: #c3cfdc; font-family: var(--font-display); font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; white-space: nowrap; }
.ticket::before, .ticket::after { content: ""; position: absolute; right: 83px; width: 18px; height: 18px; border-radius: 50%; background: var(--night); }
.ticket::before { top: -9px; } .ticket::after { bottom: -9px; }
@media (max-width: 880px) { .ticket { justify-self: start; transform: none; } }
@media (max-width: 400px) { .ticket { grid-template-columns: minmax(0,1fr) 70px; } .ticket-stub img { width: 56px; } .ticket::before, .ticket::after { right: 61px; } }

/* scoreboard proof strip */
.scoreboard { background: var(--night-2); color: var(--on-night); border-top: 1px solid var(--night-line); border-bottom: 1px solid var(--night-line); }
.score-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.score { padding: 22px 18px; border-left: 1px solid var(--night-line); display: grid; gap: 4px; align-content: start; }
.score:first-child { border-left: 0; padding-left: 0; }
.score b { font-family: var(--font-display); font-weight: 800; font-size: clamp(1.8rem, 1.4rem + 1.4vw, 2.5rem); line-height: 1; color: var(--on-night); }
.score span { font-size: .9rem; color: var(--on-night-muted); line-height: 1.35; }
@media (max-width: 760px) { .score-grid { grid-template-columns: repeat(2, minmax(0,1fr)); } .score { border-left: 0; padding-left: 0; border-top: 1px solid var(--night-line); } .score:nth-child(-n+2) { border-top: 0; } }

/* partnership split */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 80px); align-items: start; }
@media (max-width: 880px) { .split { grid-template-columns: minmax(0, 1fr); } }
.crest { background: var(--night-2); color: var(--on-night); border-radius: 10px; padding: clamp(28px, 4vw, 44px); display: grid; gap: 22px; position: relative; overflow: hidden; }
.crest::after { content: ""; position: absolute; right: -40px; top: 40px; width: 220px; height: 26px; background: var(--slash); transform: skewX(-20deg); opacity: .95; }
.crest img { width: 120px; }
.crest .designation { font-family: var(--font-display); font-weight: 700; font-size: var(--step-2); text-transform: uppercase; line-height: 1.05; }
.crest .term { color: var(--on-night-muted); font-size: .95rem; position: relative; z-index: 1; max-width: 70%; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.checks li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 12px; align-items: start; }
.checks li::before { content: ""; width: 14px; height: 6px; background: var(--accent); transform: skewX(-20deg); margin-top: .62em; }
.checks b { display: block; }

/* card grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 960px) { .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .grid-3, .grid-2 { grid-template-columns: minmax(0, 1fr); } }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: grid; gap: 10px; align-content: start; min-width: 0; }
.paper-alt .card { background: var(--paper); }
.card h3 { font-size: 1.55rem; }
.card .tag { font-family: var(--font-display); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.card .fit { font-size: .93rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 10px; margin-top: 4px; }
.card .fit b { color: var(--ink); }
.card .textlink { margin-top: 4px; }

/* playbook steps (a real sequence) */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--line); counter-reset: s; }
.steps > li { padding: 24px 22px 26px 0; border-bottom: 1px solid var(--line); display: grid; gap: 8px; align-content: start; counter-increment: s; min-width: 0; }
.steps > li::before { content: counter(s, decimal-leading-zero); font-family: var(--font-display); font-weight: 800; font-size: 2.6rem; line-height: 1; color: var(--accent-text); }
.steps h3 { font-size: 1.4rem; }
.steps p { color: var(--muted); font-size: .98rem; }
@media (max-width: 860px) { .steps { grid-template-columns: repeat(2, minmax(0,1fr)); } }
@media (max-width: 560px) { .steps { grid-template-columns: minmax(0,1fr); } }

/* team */
.people { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; max-width: 960px; }
@media (max-width: 900px) { .people { grid-template-columns: minmax(0, 1fr); } }
.person { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: grid; align-content: start; min-width: 0; }
.paper-alt .person { background: var(--paper); }
.person-photo { aspect-ratio: 4/3; max-width: 100%; background: var(--night); position: relative; display: grid; place-items: center; overflow: hidden; }
.person-photo::after { content: ""; position: absolute; left: -10px; bottom: 22px; width: 120px; height: 14px; background: var(--accent); transform: skewX(-20deg); }
.person-photo span { font-family: var(--font-display); font-weight: 800; font-size: 5rem; color: var(--on-night); letter-spacing: .02em; opacity: .9; }
.person-photo img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }
.person-body { padding: 22px; display: grid; gap: 8px; }
.person-body h3 { font-size: 1.7rem; }
.person .role { font-weight: 700; }
.person .phase { font-size: .92rem; color: var(--muted); display: flex; gap: 8px; align-items: baseline; }
.person .phase::before { content: ""; width: 12px; height: 5px; background: var(--accent); transform: skewX(-20deg); flex: none; position: relative; top: -2px; }
.handoff { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 26px; font-size: .9rem; }
.handoff div { padding: 12px 14px; border-top: 4px solid var(--line); }
.handoff div:nth-child(1) { border-top-color: var(--accent); }
.handoff b { font-family: var(--font-display); letter-spacing: .1em; text-transform: uppercase; display: block; }
@media (max-width: 640px) { .handoff { grid-template-columns: minmax(0,1fr); } }

/* bands */
.cta-band { background: var(--accent); color: #fff; }
.cta-band .wrap { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px; align-items: center; padding-block: clamp(40px, 6vw, 64px); }
.cta-band h2 { font-size: var(--step-3); }
.cta-band p { color: #fff; opacity: .92; margin-top: 10px; max-width: 58ch; }
.cta-band .btn-light { background: #fff; }

.cta-band .btn-ghost { color: #fff; }
.cta-band .btn-ghost:hover { background: #fff; border-color: #fff; }
@media (max-width: 800px) { .cta-band .wrap { grid-template-columns: minmax(0,1fr); } }

.page-hero { padding-block: clamp(44px, 7vw, 88px) clamp(36px, 5vw, 64px); position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; background-image: repeating-linear-gradient(90deg, rgba(255,255,255,.035) 0 1px, transparent 1px 120px); }
.page-hero .wrap { position: relative; display: grid; gap: 18px; }
.page-hero h1 { font-size: clamp(2.4rem, 1.6rem + 3.6vw, 4.4rem); max-width: 18ch; }
.crumbs { font-size: .88rem; color: var(--on-night-muted); }
.crumbs a { color: var(--on-night-muted); }

/* notice / disclosure blocks */
.fine { font-size: .86rem; color: var(--muted); line-height: 1.5; }
.terms { border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); padding: 20px 22px; display: grid; gap: 10px; }
.terms ul { margin: 0; padding-left: 1.1em; display: grid; gap: 6px; font-size: .95rem; color: var(--muted); }
.callout { border-left: 4px solid var(--accent); background: var(--tint); padding: 16px 18px; border-radius: 0 var(--radius) var(--radius) 0; }

/* compare table */
.tbl-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table { border-collapse: collapse; width: 100%; min-width: 620px; font-size: .97rem; }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .1em; font-size: .86rem; color: var(--muted); background: var(--paper); }
tbody th { font-weight: 700; }
tr:last-child td, tr:last-child th { border-bottom: 0; }

/* forms */
.form { display: grid; gap: 16px; background: var(--surface); border: 1px solid var(--line); border-radius: 10px; padding: clamp(20px, 3vw, 32px); }
.night .form { color: var(--ink); }
.row-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 560px) { .row-2 { grid-template-columns: minmax(0, 1fr); } }
.field { display: grid; gap: 6px; min-width: 0; }
.field label, .field legend { font-weight: 700; font-size: .95rem; }
.field .opt { font-weight: 400; color: var(--muted); }
input, select, textarea {
  font: inherit; color: var(--ink); background: var(--paper); border: 1.5px solid var(--line);
  border-radius: var(--radius); padding: 11px 12px; min-height: 48px; width: 100%;
}
textarea { min-height: 96px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--focus); box-shadow: 0 0 0 3px color-mix(in srgb, var(--focus) 25%, transparent); }
.field.invalid input, .field.invalid select { border-color: var(--accent-text); }
.err { color: var(--accent-text); font-size: .88rem; font-weight: 600; }
fieldset { border: 0; padding: 0; margin: 0; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; }
.pills label { display: inline-flex; align-items: center; gap: 8px; border: 1.5px solid var(--line); border-radius: 999px; padding: 8px 14px; font-weight: 600; cursor: pointer; background: var(--paper); }
.pills input { width: auto; min-height: 0; accent-color: var(--accent); }
.consent { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: .84rem; color: var(--muted); line-height: 1.45; }
.consent input { width: 18px; min-height: 18px; margin-top: 2px; accent-color: var(--accent); }
.form-status { border-radius: var(--radius); padding: 16px 18px; display: grid; gap: 6px; }
.form-status.ok { background: color-mix(in srgb, #1d8a4c 12%, var(--surface)); border: 1px solid color-mix(in srgb, #1d8a4c 45%, transparent); }
.form-status.bad { background: var(--tint); border: 1px solid var(--accent-text); }
.form-status b { font-family: var(--font-display); font-size: 1.3rem; text-transform: uppercase; letter-spacing: .04em; }
.form .btn { justify-self: start; }

/* calculator */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: var(--surface); }
.calc-in { padding: clamp(20px, 3vw, 30px); display: grid; gap: 14px; align-content: start; }
.calc-out { background: var(--night); color: var(--on-night); padding: clamp(20px, 3vw, 30px); display: grid; gap: 14px; align-content: start; }
.calc-total { font-family: var(--font-display); font-weight: 800; font-size: clamp(3rem, 2.4rem + 2.4vw, 4.4rem); line-height: .9; }
.calc-total small { font-size: .35em; letter-spacing: .1em; color: var(--on-night-muted); }
.calc-lines { display: grid; gap: 0; }
.calc-lines div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--night-line); }
.calc-lines div:last-child { border-bottom: 0; }
.calc-lines dt { color: var(--on-night-muted); } .calc-lines dd { margin: 0; font-weight: 700; }
.calc-bar { display: flex; height: 12px; border-radius: 3px; overflow: hidden; background: var(--night-2); }
.calc-bar i { display: block; height: 100%; }
.calc-out .fine { color: var(--on-night-muted); }
.input-affix { position: relative; }
.input-affix span { position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; pointer-events: none; }
.input-affix .pre { left: 12px; } .input-affix .post { right: 12px; }
.input-affix .has-pre { padding-left: 26px; } .input-affix .has-post { padding-right: 34px; }
@media (max-width: 820px) { .calc { grid-template-columns: minmax(0, 1fr); } }

/* faq */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 18px 40px 18px 0; position: relative; font-weight: 700; font-size: 1.1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%); font-family: var(--font-display); font-size: 1.8rem; color: var(--accent-text); }
.faq details[open] summary::after { content: "–"; }
.faq .ans { padding: 0 0 20px; color: var(--muted); max-width: 68ch; display: grid; gap: .8em; }

/* guides */
.guide { border-top: 3px solid var(--ink); padding-top: 22px; scroll-margin-top: 96px; }
.guide + .guide { margin-top: 48px; }
.guide-meta { font-size: .88rem; color: var(--muted); margin: 8px 0 14px; }

/* events */
.event { display: grid; grid-template-columns: 96px minmax(0,1fr) auto; gap: 18px; align-items: center; padding: 18px 0; border-bottom: 1px solid var(--line); }
.event-date { font-family: var(--font-display); font-weight: 800; text-transform: uppercase; line-height: 1; text-align: center; border: 2px solid var(--ink); border-radius: 6px; padding: 8px 4px; }
.event-date b { font-size: 2.2rem; display: block; }
.empty { border: 1.5px dashed var(--line); border-radius: 10px; padding: 24px; display: grid; gap: 8px; background: var(--surface); }
@media (max-width: 600px) { .event { grid-template-columns: 72px minmax(0,1fr); } .event .btn { grid-column: 1 / -1; } }

/* footer */
.site-footer { background: var(--night); color: var(--on-night-muted); font-size: .92rem; padding-block: 56px 32px; }
.site-footer a { color: var(--on-night); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 32px; padding-bottom: 36px; border-bottom: 1px solid var(--night-line); }
.foot-grid h2 { font-size: 1rem; letter-spacing: .14em; color: var(--on-night); margin-bottom: 12px; }
.foot-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.umc-logo { width: 210px; margin-bottom: 14px; }
.foot-legal { padding-top: 24px; display: grid; gap: 12px; font-size: .82rem; line-height: 1.55; }
.eho { display: inline-flex; align-items: center; gap: 10px; color: var(--on-night); font-weight: 600; }
.eho svg { width: 30px; height: 30px; flex: none; }
.copy-row { display: inline-flex; gap: 8px; align-items: center; flex-wrap: wrap; }
.copy-btn { font: inherit; font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; border: 1px solid var(--night-line); background: transparent; color: var(--on-night-muted); border-radius: 4px; padding: 3px 8px; cursor: pointer; }
.copy-btn:hover { color: var(--on-night); border-color: var(--on-night-muted); }
@media (max-width: 860px) { .foot-grid { grid-template-columns: repeat(2, minmax(0,1fr)); } .foot-grid > :first-child { grid-column: 1 / -1; } }
@media (max-width: 480px) { .foot-grid { grid-template-columns: minmax(0,1fr); } }

/* contact page */
.contact-cards { display: grid; gap: 14px; }
.contact-cards .card { padding: 18px 20px; }
.contact-cards .card b { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .1em; font-size: .85rem; color: var(--muted); }
.contact-cards .big { font-size: 1.35rem; font-weight: 700; color: var(--ink); text-decoration: none; word-break: break-word; }

.preview-flag { background: #fff7d6; color: #5a4600; font-size: .82rem; text-align: center; padding: 6px var(--gutter-r) 6px var(--gutter-l); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .preview-flag { background: #3a3110; color: #f3e3a5; } }
:root[data-theme="dark"] .preview-flag { background: #3a3110; color: #f3e3a5; }
.night .terms, .night .card { color: var(--ink); }
.sticky-side { position: sticky; top: calc(96px + env(safe-area-inset-top, 0px)); align-self: start; }
@media (max-width: 880px) { .sticky-side { position: static; } }

.money { color: var(--money); }
.night .money { color: var(--money-on-night); }
.err { color: var(--danger); }
.field.invalid input, .field.invalid select { border-color: var(--danger); }
.form-status.bad { background: color-mix(in srgb, var(--danger) 10%, var(--surface)); border-color: var(--danger); }
.cta-band .btn-light { color: var(--night); }
.cta-band .btn-light:hover { background: var(--night); color: #fff; }
.cta-band .btn-ghost:hover { color: var(--night); }

/* loan officer card (hero, contact) */
.lo-card { background: var(--surface); color: var(--ink); border-radius: 12px; overflow: hidden; display: grid; grid-template-columns: minmax(0, 200px) minmax(0, 1fr); box-shadow: 0 30px 60px -24px rgba(2,10,24,.65); max-width: 520px; width: 100%; justify-self: end; }
.lo-photo { width: 100%; height: 100%; object-fit: cover; object-position: center top; aspect-ratio: 4/5; max-width: 100%; }
.lo-info { padding: 22px 22px 20px; display: grid; gap: 8px; align-content: start; min-width: 0; }
.lo-eyebrow { font-family: var(--font-display); font-weight: 700; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.lo-eyebrow::before { content: ""; width: 18px; height: 7px; background: var(--slash); transform: skewX(-20deg); }
.lo-name { font-size: 2.1rem; }
.lo-title { color: var(--muted); font-size: .95rem; line-height: 1.4; }
.lo-actions { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 4px; }
.lo-actions .btn { min-height: 42px; padding: 8px 14px; font-size: 1rem; flex: 1 1 auto; }
.lo-card .btn-ghost { color: var(--ink); }
.lo-card .btn-ghost:hover { background: var(--ink); color: var(--surface); }
.lo-contact { font-size: .9rem; line-height: 1.5; word-break: break-word; }
.lo-contact a { color: var(--accent-text); text-decoration: none; }
.stack-lg > .lo-card { justify-self: stretch; max-width: none; }
@media (max-width: 880px) { .lo-card { justify-self: start; } }
@media (max-width: 460px) { .lo-card { grid-template-columns: minmax(0, 1fr); } .lo-photo { aspect-ratio: 4/3; object-position: center 15%; } }

.ig-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--accent-text); text-decoration: none; width: fit-content; }
.ig-link svg { width: 22px; height: 22px; flex: none; }
.ig-link:hover span:first-of-type { text-decoration: underline; }
.night .ig-link, .site-footer .ig-link { color: var(--on-night); }
.ig-band { padding-block: clamp(40px, 6vw, 64px); background: var(--night-2); }
.ig-band .wrap { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: center; }
.ig-band h2 { font-size: var(--step-3); }
.ig-btn svg { width: 22px; height: 22px; }
@media (max-width: 760px) { .ig-band .wrap { grid-template-columns: minmax(0, 1fr); } }

/* ticket on a navy stage (partnership section) */
.ticket-stage { background: var(--night); border-radius: 12px; padding: clamp(32px, 5vw, 56px) clamp(20px, 4vw, 40px); display: grid; gap: 22px; justify-items: center; }
.ticket-stage .ticket { justify-self: center; }
.stage-cap { color: var(--on-night-muted); font-size: .92rem; text-align: center; max-width: 40ch; }
.night .lo-card .ig-link, .night .lo-card .lo-contact a, .lo-card .ig-link { color: var(--accent-text); }
@media (max-width: 480px) {
  .ticket-stage { padding: 28px 14px; }
  .ticket-top { font-size: .68rem; letter-spacing: .1em; }
  .ticket-main { padding: 20px 16px 18px; }
}

/* instagram feed */
.ig-head { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: end; }
.ig-band .wrap { display: block; }
.ig-grid { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 10px; margin-top: 28px; }
.ig-tile { position: relative; display: block; aspect-ratio: 4 / 5; max-width: 100%; border-radius: 8px; overflow: hidden; background: var(--night); }
.ig-tile img { width: 100%; height: 100%; object-fit: cover; transition: transform .25s ease; }
.ig-tile:hover img, .ig-tile:focus-visible img { transform: scale(1.04); }
.ig-tile .ig-kind { position: absolute; top: 8px; right: 8px; width: 22px; height: 22px; color: #fff; filter: drop-shadow(0 1px 2px rgba(0,0,0,.6)); }
.ig-tile .ig-cap { position: absolute; inset: auto 0 0 0; padding: 26px 10px 10px; font-size: .8rem; line-height: 1.35; color: #fff;
  background: linear-gradient(transparent, rgba(4,14,28,.85)); opacity: 0; transition: opacity .2s; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.ig-tile:hover .ig-cap, .ig-tile:focus-visible .ig-cap { opacity: 1; }
.ig-skel { background: linear-gradient(110deg, var(--night) 30%, var(--night-line) 50%, var(--night) 70%); background-size: 250% 100%; animation: igshimmer 1.6s linear infinite; }
.ig-demo .ig-skel { animation: none; background: var(--night); border: 1.5px dashed var(--night-line); display: grid; place-items: center; }
.ig-demo .ig-skel span { font-family: var(--font-display); letter-spacing: .14em; text-transform: uppercase; font-size: .8rem; color: var(--on-night-muted); }
.ig-note { margin-top: 12px; font-size: .85rem; color: var(--on-night-muted); }
@keyframes igshimmer { to { background-position: -150% 0; } }
@media (max-width: 900px) { .ig-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 760px) { .ig-head { grid-template-columns: minmax(0, 1fr); align-items: start; } }
@media (max-width: 420px) { .ig-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; } }

/* reels */
.ig-play { position: absolute; inset: 0; display: grid; place-items: center; pointer-events: none; }
.ig-play svg { width: 54px; height: 54px; padding: 14px 12px 14px 16px; border-radius: 50%; color: #fff; background: rgba(10,37,64,.72); box-shadow: 0 4px 18px rgba(0,0,0,.35); transition: transform .2s, background .2s; }
.ig-reel:hover .ig-play svg, .ig-reel:focus-visible .ig-play svg { transform: scale(1.08); background: var(--accent); }
.ig-badge { position: absolute; top: 8px; left: 8px; font-family: var(--font-display); font-weight: 700; font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: #fff; background: rgba(10,37,64,.8); padding: 3px 8px; border-radius: 4px; }
.reel-dlg { padding: 0; border: 0; background: transparent; max-width: min(440px, calc(100vw - 32px)); width: 100%; color: var(--on-night); }
.reel-dlg::backdrop { background: rgba(4,12,24,.82); }
.reel-box { position: relative; background: var(--night); border-radius: 12px; overflow: hidden; display: grid; }
.reel-video { width: 100%; max-height: min(66vh, 720px); aspect-ratio: 9 / 16; background: #000; display: block; }
.reel-close { position: absolute; top: 8px; right: 8px; z-index: 2; width: 40px; height: 40px; border-radius: 50%; border: 0; background: rgba(10,37,64,.85); color: #fff; font-size: 1.6rem; line-height: 1; cursor: pointer; }
.reel-close:hover { background: var(--accent); }
.reel-meta { padding: 14px 16px 16px; display: grid; gap: 8px; }
.reel-cap { font-size: .92rem; color: var(--on-night-muted); line-height: 1.45; }
.reel-ig { color: var(--on-night); font-weight: 700; text-decoration: none; }
.reel-ig:hover { text-decoration: underline; }

/* UMCincy header logo */
.brand-logo { height: 44px; width: auto; display: block; }
@media (max-width: 520px) { .brand-logo { height: 34px; } }

/* platform diagram: UMCincy -> Swift -> channels */
.platform { margin: 0; background: var(--night); color: var(--on-night); border-radius: 12px; padding: clamp(24px, 4vw, 40px); display: grid; gap: 0; position: relative; overflow: hidden; }
.platform::after { content: ""; position: absolute; right: -40px; top: 34px; width: 200px; height: 22px; background: var(--slash); transform: skewX(-20deg); opacity: .9; }
.tier { position: relative; z-index: 1; display: grid; gap: 4px; padding: 18px 20px; border-radius: 8px; background: var(--night-2); border: 1px solid var(--night-line); }
.tier b { font-family: var(--font-display); font-size: 1.7rem; text-transform: uppercase; letter-spacing: .02em; line-height: 1; }
.tier > span:last-child { color: var(--on-night-muted); font-size: .95rem; line-height: 1.45; }
.tier-tag { font-family: var(--font-display); font-weight: 700; font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; color: var(--accent-on-night); }
.tier-you { background: var(--accent); border-color: var(--accent); }
.tier-you .tier-tag, .tier-you > span:last-child { color: #e6f0fb; }
.tier-join { width: 2px; height: 22px; margin-left: 32px; background: repeating-linear-gradient(var(--on-night-muted) 0 4px, transparent 4px 8px); }
.tier-channels ul { list-style: none; margin: 6px 0 2px; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.tier-channels li { font-family: var(--font-display); font-weight: 700; letter-spacing: .06em; text-transform: uppercase; font-size: .95rem; border: 1px solid var(--night-line); background: var(--night); border-radius: 999px; padding: 5px 12px; }
.money { color: var(--money); }

/* ── Startup type system (UMCincy.com) ──────────────────────────
   Plus Jakarta Sans headlines in sentence case with tight tracking,
   DM Sans body. Overrides the condensed all-caps sports styling. */
:root {
  --step-2: clamp(1.35rem, 1.1rem + 1vw, 1.75rem);
  --step-3: clamp(1.75rem, 1.3rem + 1.9vw, 2.6rem);
  --step-4: clamp(2.3rem, 1.4rem + 3.6vw, 4.25rem);
}
h1, h2, h3, .display { text-transform: none; font-weight: 800; letter-spacing: -0.025em; line-height: 1.08; }
h3 { font-weight: 700; letter-spacing: -0.02em; line-height: 1.2; }
h1 { line-height: 1.04; letter-spacing: -0.032em; }
.page-hero h1 { font-size: clamp(2.1rem, 1.4rem + 3vw, 3.75rem); max-width: 20ch; }
.eyebrow { font-family: var(--font-body); font-weight: 700; font-size: .78rem; letter-spacing: .1em; }
.eyebrow::before { width: 18px; height: 6px; border-radius: 3px; transform: none; }
.btn { font-family: var(--font-body); text-transform: none; letter-spacing: 0; font-weight: 700; font-size: 1rem; border-radius: 10px; }
.hdr .btn { font-size: .95rem; }
.score b { text-transform: none; letter-spacing: -0.02em; font-size: clamp(1.5rem, 1.2rem + 1.1vw, 2.1rem); }
.card h3 { font-size: 1.3rem; }
.card .tag, .tier-tag, .lo-eyebrow, thead th, .handoff b, .ticket-top, .ticket-admit b, .ticket-stub span, .foot-grid h2, .contact-cards .card b { font-family: var(--font-body); letter-spacing: .08em; }
.tier b { text-transform: none; letter-spacing: -0.02em; font-size: 1.35rem; }
.tier-channels li { font-family: var(--font-body); text-transform: none; letter-spacing: 0; font-size: .9rem; }
.lo-name { font-size: 1.75rem; }
.person-body h3, .person-body h2 { font-size: 1.5rem !important; }
.person-photo span { letter-spacing: -0.04em; }
.steps > li::before { letter-spacing: -0.04em; font-size: 2.2rem; }
.steps h3 { font-size: 1.15rem; }
.calc-total { letter-spacing: -0.04em; }
.ticket-what { text-transform: none; letter-spacing: -0.02em; font-size: 1.3rem; }
.ticket-amt { letter-spacing: -0.05em; }
.form-status b { text-transform: none; letter-spacing: -0.01em; font-size: 1.15rem; }
.faq summary::after { font-family: var(--font-body); }
.card, .person, .form, .tbl-wrap, .terms, .empty, .platform, .tier, .ticket-stage, .lo-card { border-radius: 14px; }
input, select, textarea { border-radius: 10px; }
.pills label { font-weight: 500; }
.ig-band { background: var(--night); }

.tier-short { font-weight: 700; color: #ffffff !important; font-size: .98rem; margin-top: -2px; }