/*
Theme Name: Loanetics
Theme URI: https://www.loanetics.com
Author: Loanetics
Description: Loanetics production theme — full-fidelity port of the approved website mock-up.
Version: 1.1.0
License: GPL v2 or later
Text Domain: loanetics-theme
*/

/* --- MOCK-UP css/site.css BELOW, VERBATIM --- */
/* =====================================================
   Loanetics — Site Stylesheet
   Palette: Orange #DC6318 · Gray #A3A1A0 · Gray #8B8A88 · Black #020403 · White #FFFFFF
   Type:    Source Serif 4 (display) · Oswald (sans/body accents) · Inter (body)
   ===================================================== */

:root{
  --orange:#DC6318;
  --orange-deep:#B24E10;
  --orange-soft:#F7E4D5;
  --gray-1:#A3A1A0;
  --gray-2:#8B8A88;
  --gray-3:#4A4846;
  --ink:#020403;
  --paper:#FFFFFF;
  --stone:#F5F3F0;
  --stone-2:#EAE6E1;
  --line:#D8D4CE;

  --font-display:'Source Serif 4','Source Serif Pro','Georgia',serif;
  --font-body:'Inter','Helvetica Neue',Arial,sans-serif;
  --font-alt:'Oswald','Arial Narrow',sans-serif;

  --wrap:1240px;
  --gutter:32px;
  --radius:2px;

  --shadow-1:0 1px 2px rgba(2,4,3,.06),0 8px 24px rgba(2,4,3,.06);
  --shadow-2:0 8px 40px rgba(2,4,3,.14);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--orange);text-decoration:none;transition:color .2s ease}
a:hover{color:var(--orange-deep)}

h1,h2,h3,h4,h5{font-family:var(--font-display);font-weight:600;line-height:1.15;color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(38px,5.4vw,72px);font-weight:400}
h2{font-size:clamp(28px,3.4vw,44px);font-weight:600;margin-bottom:.4em}
h3{font-size:clamp(20px,2vw,26px);font-weight:600;margin-bottom:.3em}
h4{font-size:18px;font-weight:600;margin-bottom:.3em}
p{margin-bottom:1em}
.eyebrow{font-family:var(--font-alt);font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--orange);font-weight:500;margin-bottom:18px;display:inline-block}

/* ============= HEADER / NAV ============= */
.site-header{
  position:sticky;top:0;z-index:80;
  background:rgba(255,255,255,.94);
  backdrop-filter:saturate(160%) blur(8px);
  border-bottom:1px solid var(--line);
}
.nav-wrap{
  max-width:var(--wrap);margin:0 auto;
  display:flex;align-items:center;justify-content:space-between;
  padding:14px var(--gutter);
  gap:24px;
}
.brand{display:flex;align-items:center;gap:18px;text-decoration:none}
.brand img{height:64px;width:auto;display:block}
.brand .brand-tag{
  font-family:var(--font-alt);
  font-size:11px;
  letter-spacing:.28em;
  color:var(--gray-3);
  text-transform:uppercase;
  border-left:1px solid var(--line);
  padding-left:18px;
  line-height:1.35;
  max-width:140px;
}
@media (max-width: 900px){ .brand .brand-tag{ display:none } }
@media (max-width: 900px){ .brand img{ height:52px } }

.nav-links{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.nav-links li{display:flex;align-items:center}
.nav-links a{
  color:var(--ink);font-family:var(--font-alt);font-weight:500;
  font-size:13.5px;letter-spacing:.14em;text-transform:uppercase;
  padding:10px 12px;border-radius:var(--radius);position:relative;
}
.nav-links a:hover{color:var(--orange)}
.nav-links a.active{color:var(--orange)}
.nav-links a.active::after{
  content:"";position:absolute;left:12px;right:12px;bottom:2px;height:2px;background:var(--orange);
}
.nav-cta{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--orange);color:#fff !important;
  padding:11px 20px;border-radius:var(--radius);font-family:var(--font-alt);
  font-size:12px;letter-spacing:.16em;text-transform:uppercase;font-weight:500;
  white-space:nowrap;line-height:1;
  margin-left:10px;
}
.nav-links li:has(.nav-cta){margin-left:auto}
.nav-cta:hover{background:var(--orange-deep);color:#fff !important}

.nav-toggle{display:none;background:transparent;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:26px;height:2px;background:var(--ink);margin:5px 0;transition:.3s}

@media (max-width:960px){
  .nav-links{
    position:absolute;top:100%;left:0;right:0;width:100%;
    flex-direction:column;align-items:stretch;gap:0;
    background:#fff;border-bottom:1px solid var(--line);
    padding:8px 0;max-height:0;overflow:hidden;overflow-y:auto;
    transition:max-height .35s ease;
    box-shadow:0 12px 24px rgba(2,4,3,.08);
  }
  .nav-links.open{max-height:calc(100vh - 80px)}
  .nav-links li{border-top:1px solid var(--line);display:block;width:100%}
  .nav-links li:first-child{border-top:0}
  .nav-links a{padding:14px 32px;display:block;width:100%}
  .nav-links a.active::after{display:none}
  /* Reset the auto-margin trick that only makes sense on desktop */
  .nav-links li:has(.nav-cta){margin-left:0;width:100%;padding:0 32px 8px;border-top:0}
  .nav-cta{
    margin:14px 0 0;display:flex;justify-content:center;
    width:100%;padding:14px 20px;
  }
  .nav-toggle{display:block}
}

/* ============= HERO ============= */
.hero{
  position:relative;
  background:
    radial-gradient(1200px 500px at 78% 20%, rgba(220,99,24,.14), transparent 60%),
    radial-gradient(900px 500px at 12% 80%, rgba(139,138,136,.20), transparent 60%),
    linear-gradient(180deg,#111 0%,#1a1a1a 100%);
  color:#fff;
  overflow:hidden;
  border-bottom:1px solid var(--line);
}
.hero.hero-light{
  background:
    radial-gradient(1000px 480px at 82% 18%, rgba(220,99,24,.10), transparent 60%),
    radial-gradient(900px 480px at 12% 90%, rgba(163,161,160,.16), transparent 60%),
    var(--stone);
  color:var(--ink);
}
.hero .hero-inner{
  max-width:var(--wrap);margin:0 auto;
  padding:120px var(--gutter) 100px;
  position:relative;z-index:2;
}
@media (max-width:960px){
  .hero .hero-inner{padding:96px var(--gutter) 72px}
}
@media (max-width:640px){
  .hero .hero-inner{padding:80px var(--gutter) 56px}
  .hero .lede{font-size:16px;margin-top:20px}
  .hero .cta-row{margin-top:28px;gap:10px}
  .hero .cta-row .btn{padding:12px 20px;font-size:12.5px}
}
.hero-grain{
  position:absolute;inset:0;pointer-events:none;
  background-image:repeating-linear-gradient(135deg,rgba(255,255,255,.02) 0 1px,transparent 1px 7px);
  z-index:1;
}
.hero-lines{
  position:absolute;left:0;right:0;pointer-events:none;z-index:1;
}
.hero-lines .l{position:absolute;left:0;right:0;height:1px;background:rgba(220,99,24,.28)}
.hero-lines .l1{top:32%}
.hero-lines .l2{top:66%}

.hero h1{color:inherit;max-width:22ch}
.hero .lede{
  font-size:clamp(17px,1.4vw,20px);line-height:1.6;max-width:60ch;
  margin-top:24px;color:rgba(255,255,255,.82);
}
.hero.hero-light .lede{color:var(--gray-3)}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}

/* ============= BUTTONS ============= */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:14px 28px;
  font-family:var(--font-alt);font-weight:500;font-size:14px;
  letter-spacing:.16em;text-transform:uppercase;
  border-radius:var(--radius);border:1px solid transparent;cursor:pointer;
  transition:all .25s ease;
}
.btn-primary{background:var(--orange);color:#fff;border-color:var(--orange)}
.btn-primary:hover{background:var(--orange-deep);border-color:var(--orange-deep);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.06)}
.hero.hero-light .btn-ghost{color:var(--ink);border-color:var(--gray-2)}
.hero.hero-light .btn-ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}

/* ============= LAYOUT ============= */
.section{padding:96px 0}
.section-tight{padding:72px 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.narrow{max-width:920px}
.section-stone{background:var(--stone)}
.section-ink{background:var(--ink);color:#fff}
.section-ink h1,.section-ink h2,.section-ink h3,.section-ink h4,.section-ink h5{color:#fff}
.section-ink .eyebrow{color:var(--orange)}

.grid{display:grid;gap:32px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
/* tablet: 2-column so wide screens don't stack single-file */
@media (max-width:1024px) and (min-width:700px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:900px){
  .grid-2{grid-template-columns:1fr}
  .grid-4-md{grid-template-columns:repeat(2,minmax(0,1fr))}
  .section{padding:64px 0}
}
@media (max-width:699px){
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
}

/* ============= CARDS / MODULES ============= */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-1);border-color:var(--orange)}
.card .card-eyebrow{font-family:var(--font-alt);font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--orange);margin-bottom:10px;font-weight:500}
.card h3{margin-bottom:12px}
.card p{color:var(--gray-3);font-size:15px}

.card-dark{background:#101012;border-color:rgba(255,255,255,.08);color:#fff}
.card-dark p{color:rgba(255,255,255,.72)}
.card-dark h3{color:#fff}

/* stat band */
.stat-band{
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  background:var(--paper);
}
.stat{padding:36px 24px;text-align:left;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat .num{font-family:var(--font-display);font-size:clamp(24px,3.4vw,42px);color:var(--orange);font-weight:600;line-height:1;word-break:break-word}
.stat .lbl{font-family:var(--font-alt);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gray-3);margin-top:10px;line-height:1.35}
@media (max-width:800px){.stat-band{grid-template-columns:repeat(2,1fr)}.stat{padding:26px 18px;border-bottom:1px solid var(--line)}.stat:nth-child(3),.stat:nth-child(4){border-bottom:0}.stat:nth-child(2n){border-right:0}.stat .num{font-size:clamp(22px,7vw,30px)}.stat .lbl{font-size:10.5px;letter-spacing:.14em}}

/* fund card */
.fund-card{
  display:flex;flex-direction:column;height:100%;
  background:#fff;border:1px solid var(--line);
  padding:28px;position:relative;transition:all .25s ease;
}
.fund-card:hover{border-color:var(--orange);box-shadow:var(--shadow-1);transform:translateY(-2px)}
.fund-card .fund-tag{
  font-family:var(--font-alt);font-size:11px;letter-spacing:.22em;
  text-transform:uppercase;color:var(--gray-2);
}
.fund-card h3{margin-top:6px;font-size:22px}
.fund-card .fund-size{
  font-family:var(--font-alt);font-size:28px;color:var(--orange);
  margin-top:8px;font-weight:500;line-height:1;
}
.fund-card .fund-size small{font-size:13px;color:var(--gray-3);font-weight:400;letter-spacing:.14em;text-transform:uppercase;display:block;margin-top:6px}
.fund-card p{color:var(--gray-3);font-size:14.5px;margin-top:16px;flex:1}
.fund-card a.more{
  margin-top:20px;font-family:var(--font-alt);font-size:12px;letter-spacing:.2em;
  text-transform:uppercase;color:var(--orange);
}
.fund-card a.more::after{content:" →";transition:margin .25s ease;display:inline-block}
.fund-card a.more:hover::after{margin-left:6px}

/* process step */
.step{
  display:grid;grid-template-columns:80px 1fr;gap:20px;padding:24px 0;
  border-top:1px solid var(--line);
}
.step:last-child{border-bottom:1px solid var(--line)}
.step .num{font-family:var(--font-display);font-size:42px;color:var(--orange);line-height:1}
.step h4{font-size:20px;margin-bottom:8px}
.step p{color:var(--gray-3);margin-bottom:0}
.step .meta{
  display:inline-block;font-family:var(--font-alt);font-size:11px;letter-spacing:.2em;
  text-transform:uppercase;color:var(--gray-2);margin-bottom:8px;
}

/* leader card */
.leader{display:grid;grid-template-columns:340px 1fr;gap:44px;align-items:start}
@media (max-width:800px){.leader{grid-template-columns:1fr}}
.leader img{width:100%;border-radius:var(--radius);border:1px solid var(--line);object-fit:cover;aspect-ratio:4/5;background:var(--stone)}
.leader .role{font-family:var(--font-alt);font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--orange);margin-bottom:6px}
.leader h2{margin-bottom:8px}
.leader .quote{
  margin-top:24px;padding:18px 22px;border-left:3px solid var(--orange);
  background:var(--stone);font-family:var(--font-display);font-style:italic;
  font-size:18px;color:var(--gray-3);
}

/* pillar list */
.pillar{padding:24px 0;border-top:1px solid var(--line)}
.pillar:last-child{border-bottom:1px solid var(--line)}
.pillar h4{color:var(--orange);font-family:var(--font-display);font-size:20px;margin-bottom:8px}
.pillar p{color:var(--gray-3);margin-bottom:0}

/* accent divider */
.rule{width:64px;height:2px;background:var(--orange);margin:0 0 22px}
.rule-center{margin:0 auto 22px}

/* callout */
.callout{
  background:linear-gradient(135deg, rgba(220,99,24,.06), rgba(220,99,24,.02));
  border:1px solid rgba(220,99,24,.28);border-left:3px solid var(--orange);
  padding:28px 32px;border-radius:var(--radius);
}
.callout p{margin-bottom:0;color:var(--gray-3);font-size:16px}
.callout strong{color:var(--ink)}

/* audience nav */
.aud-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border:1px solid var(--line)}
@media (max-width:900px){.aud-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.aud-grid{grid-template-columns:1fr}}
.aud{padding:28px 22px;border-right:1px solid var(--line);text-align:center;background:#fff;transition:background .25s ease}
.aud:last-child{border-right:0}
.aud:hover{background:var(--stone)}
.aud .icon{width:40px;height:40px;margin:0 auto 14px;border-radius:50%;background:var(--stone);display:flex;align-items:center;justify-content:center;color:var(--orange);border:1px solid var(--line)}
.aud h4{font-family:var(--font-alt);font-size:13px;letter-spacing:.18em;text-transform:uppercase;margin-bottom:8px;color:var(--ink)}
.aud p{font-size:13px;color:var(--gray-3);margin-bottom:12px}
.aud a{font-family:var(--font-alt);font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--orange)}
@media (max-width:900px){.aud{border-bottom:1px solid var(--line)}}

/* ============= FOOTER ============= */
.site-footer{background:var(--ink);color:rgba(255,255,255,.7);padding:64px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}
.site-footer h5{
  font-family:var(--font-alt);font-size:12px;letter-spacing:.22em;text-transform:uppercase;
  color:#fff;margin-bottom:18px;font-weight:500;
}
.site-footer a{color:rgba(255,255,255,.72);font-size:14px}
.site-footer a:hover{color:var(--orange)}
.site-footer ul{list-style:none}
.site-footer ul li{margin-bottom:8px;color:rgba(255,255,255,.72);font-size:14px;line-height:1.7}
.site-footer ul li.addr{line-height:1.7;color:rgba(255,255,255,.72);font-size:14px}
.site-footer .brand-block{display:flex;flex-direction:column;gap:14px}
.site-footer .brand-block img{height:88px;width:auto;display:block;margin-bottom:4px;opacity:.95}
.site-footer .brand-block p{color:rgba(255,255,255,.6);font-size:13.5px;max-width:38ch;line-height:1.65}
.footer-bottom{
  margin-top:48px;padding-top:22px;
  border-top:1px solid rgba(255,255,255,.12);
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;
  font-size:12px;color:rgba(255,255,255,.5);
  font-family:var(--font-alt);letter-spacing:.14em;text-transform:uppercase;
}
.footer-bottom a{font-size:12px;letter-spacing:.14em}

/* ============= FORMS ============= */
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-family:var(--font-alt);font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray-3)}
.field input,.field select,.field textarea{
  padding:12px 14px;border:1px solid var(--line);background:#fff;
  font:16px var(--font-body);color:var(--ink);border-radius:var(--radius);
  transition:border-color .2s ease;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--orange)}
.field.full{grid-column:1/-1}
.field textarea{min-height:140px;resize:vertical}
.form-note{font-size:12.5px;color:var(--gray-3);margin-top:12px;line-height:1.55}

/* table */
.table{width:100%;border-collapse:collapse;font-size:14.5px;table-layout:auto}
.table th,.table td{padding:14px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;word-break:break-word}
.table th{font-family:var(--font-alt);font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray-3);font-weight:500;background:var(--stone)}
.table tr:hover td{background:rgba(220,99,24,.03)}
@media (max-width:640px){.table{font-size:13.5px}.table th,.table td{padding:10px 8px}}

/* utility */
.center{text-align:center}
.mt-0{margin-top:0}
.mt-2{margin-top:16px}
.mt-4{margin-top:32px}
.mt-6{margin-top:48px}
.mb-4{margin-bottom:32px}
.text-mute{color:var(--gray-3)}
.tag{display:inline-block;padding:4px 10px;font-family:var(--font-alt);font-size:11px;letter-spacing:.18em;text-transform:uppercase;background:var(--stone-2);color:var(--gray-3);border-radius:var(--radius);margin-right:6px}
.tag.orange{background:rgba(220,99,24,.1);color:var(--orange)}

/* No-JS safety fallback — reveal is always visible when JS never runs */
.reveal{opacity:1;transform:none}
/* Fade on scroll — only active when JS is present */
.js .reveal{opacity:0;transform:translateY(20px);transition:opacity .8s ease, transform .8s ease}
.js .reveal.visible{opacity:1;transform:translateY(0)}

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

/* ============ Late additions: dark section variants, hero-alt, misc utilities ============ */
.section-dark{background:var(--ink);color:#fff;padding:96px 0}
.section-dark h1,.section-dark h2,.section-dark h3,.section-dark h4{color:#fff}
.section-dark p{color:rgba(255,255,255,.78)}
.section-dark .eyebrow,
.eyebrow-on-dark{color:var(--orange)}
.rule-on-dark{background:linear-gradient(90deg,transparent,var(--orange),transparent);height:2px;width:80px;margin:20px auto;border:none}
.btn-on-dark{color:#fff;border-color:rgba(255,255,255,.35)}
.btn-on-dark:hover{border-color:var(--orange);color:var(--orange)}
.section-dark a{color:var(--orange-2, #F08A3E)}

/* Hero variant: lighter/cream backdrop for interior pages */
.hero-alt{background:linear-gradient(180deg,#fdfaf7 0%, #f4ede4 100%);color:var(--ink)}
.hero-alt .hero-grain{opacity:.4}
.hero-alt .hero-lines .l{background:rgba(220,99,24,.18)}
.hero-alt h1{color:var(--ink)}
.hero-alt .lede{color:#3b3936}
.hero-alt .eyebrow{color:var(--orange)}

/* Utilities: rule, mt, address, checklist, form footnote, pull-quote, meta */
.rule{width:64px;height:2px;background:var(--orange);margin:14px 0 22px;border-radius:2px}
.mt-2{margin-top:16px}.mt-3{margin-top:24px}.mt-4{margin-top:40px}
.address-block{font-style:normal;line-height:1.7;font-size:16px;margin-bottom:16px}
.address-block a{color:var(--orange);text-decoration:none}
.address-block a:hover{text-decoration:underline}
.list-check{list-style:none;padding:0;margin:16px 0}
.list-check li{position:relative;padding:8px 0 8px 26px;border-bottom:1px solid rgba(0,0,0,.06)}
.list-check li::before{content:"";position:absolute;left:0;top:14px;width:14px;height:14px;border-radius:50%;background:var(--orange);opacity:.85;box-shadow:inset 0 0 0 3px #fff}
.form-footnote{margin:16px 0;font-size:13px;color:#6a6866}
.form-footnote a{color:var(--orange)}
.pullquote{border-left:3px solid var(--orange);padding:14px 0 14px 22px;margin:24px 0;font-family:'Source Serif 4',Georgia,serif;font-size:20px;line-height:1.5;color:var(--ink)}
.pullquote cite{display:block;margin-top:10px;font-style:normal;font-family:'Oswald',sans-serif;letter-spacing:.24em;text-transform:uppercase;font-size:11px;color:#6a6866}
.meta{margin-top:12px;font-family:'Oswald',sans-serif;letter-spacing:.22em;text-transform:uppercase;font-size:11px;color:#6a6866}
.card .meta{margin-top:12px}
.card .tag{display:inline-block;font-family:'Oswald',sans-serif;letter-spacing:.24em;text-transform:uppercase;font-size:10px;color:var(--orange);padding:4px 10px;border:1px solid rgba(220,99,24,.35);border-radius:2px;margin-bottom:12px}
.span-2{grid-column:1/-1}

/* ============ Modern General Inquiry form ============ */
.section-form{background:linear-gradient(180deg,#faf7f4 0%, #f3ede4 100%);padding:88px 0}
.form-card{
  max-width:920px;margin:0 auto;
  background:#fff;
  border:1px solid rgba(0,0,0,.06);
  border-radius:14px;
  padding:56px clamp(28px, 5vw, 64px);
  box-shadow: 0 40px 80px -30px rgba(20,10,4,.18), 0 4px 12px rgba(20,10,4,.05);
  position:relative;
  overflow:hidden;
}
.form-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg, var(--orange) 0%, #f0a065 50%, var(--orange) 100%);
}
.form-card-head{margin-bottom:36px;text-align:center}
.form-card-head .eyebrow{color:var(--orange);letter-spacing:.28em;font-size:11px;font-family:var(--font-alt);text-transform:uppercase;font-weight:500}
.form-card-head h2{font-family:var(--font-display);font-size:clamp(30px,3.4vw,44px);font-weight:500;color:var(--ink);margin:12px 0 12px;letter-spacing:-.01em;line-height:1.1}
.form-card-head p{color:#6a6866;font-size:15px;line-height:1.6;max-width:520px;margin:0 auto}

.form-modern .fm-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px 20px}
.form-modern .fm-full{grid-column:1 / -1}

.fm-field{position:relative}
.fm-field input,
.fm-field textarea,
.fm-field select{
  width:100%;
  font-family:'Inter',system-ui,sans-serif;
  font-size:15px;
  color:var(--ink);
  background:transparent;
  border:none;
  border-bottom:1.5px solid #d9d3ca;
  padding:22px 0 10px;
  outline:none;
  border-radius:0;
  transition:border-color .25s ease, box-shadow .25s ease;
  -webkit-appearance:none;
  appearance:none;
}
.fm-field textarea{resize:vertical;min-height:120px;line-height:1.55}
.fm-field select{cursor:pointer;padding-right:32px;background-image:none}
.fm-field select::-ms-expand{display:none}
.fm-caret{
  position:absolute;right:4px;bottom:14px;
  color:var(--orange);pointer-events:none;
  font-size:14px;line-height:1;
  transition:transform .25s ease;
}
.fm-select select:focus ~ .fm-caret{transform:rotate(180deg)}

/* Floater can be either a nested <label> (div-based markup) or <span> (label-based markup) */
.fm-field > label,
.fm-field > span{
  position:absolute;left:0;
  top:22px;
  font-family:var(--font-alt);
  font-size:11px;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:#8a8580;
  pointer-events:none;
  transition:transform .22s cubic-bezier(.16,.7,.2,1), color .22s ease, letter-spacing .22s ease;
  transform-origin:left top;
  background:transparent;
  line-height:1;
  display:block;
}
.fm-field .fm-opt{letter-spacing:.14em;text-transform:none;color:#b3ada6;margin-left:6px;font-size:10px}
.fm-field input:focus,
.fm-field textarea:focus,
.fm-field select:focus{
  border-bottom-color:var(--orange);
  box-shadow:0 1.5px 0 0 var(--orange);
}
/* Floating trigger for BOTH nested <label> and <span> markups */
.fm-field input:not(:placeholder-shown) + label,
.fm-field input:focus + label,
.fm-field textarea:not(:placeholder-shown) + label,
.fm-field textarea:focus + label,
.fm-field select:valid + label,
.fm-field select:focus + label,
.fm-field input:not(:placeholder-shown) + span,
.fm-field input:focus + span,
.fm-field textarea:not(:placeholder-shown) + span,
.fm-field textarea:focus + span{
  transform:translateY(-18px) scale(.85);
  color:var(--orange);
  letter-spacing:.24em;
}
/* Select needs a visible-value trigger since :not(:placeholder-shown) doesn't work on select */
.fm-select select:not([data-empty]) + label,
.fm-select select:not([data-empty]) + span{
  transform:translateY(-18px) scale(.85);
  color:var(--orange);
  letter-spacing:.24em;
}

/* Tablet/mobile: same floating label behavior — keep transparent background so
   the floater sits ABOVE the input line, not behind it. */
@media (max-width:900px){
  .fm-field input,
  .fm-field textarea,
  .fm-field select{padding:24px 0 10px;font-size:16px}
  .fm-field > label,
  .fm-field > span{top:24px}
}

.fm-consent{margin-top:26px;padding-top:22px;border-top:1px solid #eee5d8}
.fm-consent p{color:#7a756e;font-size:12.5px;line-height:1.6;margin:0}
.fm-consent a{color:var(--orange);text-decoration:none;border-bottom:1px solid rgba(220,99,24,.35)}
.fm-consent a:hover{border-bottom-color:var(--orange)}

.fm-actions{
  margin-top:28px;display:flex;align-items:center;gap:24px;
  flex-wrap:wrap;
}
.fm-actions .btn-primary{padding:14px 30px;font-size:12px;letter-spacing:.22em}
.fm-actions .btn-primary span{margin-left:6px;transition:transform .25s ease}
.fm-actions .btn-primary:hover span{transform:translateX(4px)}
.fm-reply{
  font-family:var(--font-alt);font-size:11px;letter-spacing:.22em;
  text-transform:uppercase;color:#a3a1a0;
}

@media (max-width:640px){
  .form-modern .fm-grid{grid-template-columns:1fr}
  .form-card{padding:36px 20px}
  .form-card-head{text-align:left}
  .form-card-head p{margin:0}
  .fm-actions{flex-direction:column;align-items:stretch;gap:14px}
  .fm-actions .btn-primary{justify-content:center;width:100%}
  .fm-reply{text-align:center}
}

/* ============================================================
   NAV DROPDOWN — the MORE menu
   ============================================================ */
.nav-more{position:relative}
.nav-more-btn{
  font-family:var(--font-alt);
  font-size:13px;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--ink);
  background:transparent;
  border:0;
  cursor:pointer;
  padding:10px 14px;
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-weight:500;
  transition:color .2s ease;
}
.nav-more-btn:hover{color:var(--orange)}
.nav-more-caret{
  display:inline-block;
  width:0;height:0;
  border-left:4px solid transparent;
  border-right:4px solid transparent;
  border-top:5px solid currentColor;
  transition:transform .2s ease;
}
.nav-more[data-open="true"] .nav-more-caret{transform:rotate(180deg)}
.nav-more[data-open="true"] .nav-more-btn{color:var(--orange)}
.nav-drop{
  position:absolute;
  top:100%;
  right:0;
  min-width:640px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:0 24px 60px rgba(2,4,3,.14);
  padding:24px;
  opacity:0;
  visibility:hidden;
  transform:translateY(6px);
  transition:opacity .18s ease,transform .18s ease,visibility 0s linear .18s;
  z-index:60;
}
.nav-more[data-open="true"] .nav-drop{
  opacity:1;
  visibility:visible;
  transform:translateY(4px);
  transition:opacity .18s ease,transform .18s ease,visibility 0s;
}
.nav-drop-inner{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}
.nav-drop-col ul{list-style:none;padding:0;margin:0}
.nav-drop-col li{margin:0}
.nav-drop-col li a{
  display:block;
  padding:8px 10px;
  border-radius:6px;
  font-family:var(--font-body);
  font-size:14.5px;
  color:var(--ink);
  text-decoration:none;
  letter-spacing:0;
  text-transform:none;
  font-weight:500;
  transition:background .15s ease,color .15s ease;
}
.nav-drop-col li a:hover{background:var(--stone);color:var(--orange)}
.nav-drop-label{
  display:block;
  font-family:var(--font-alt);
  font-size:11px;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:var(--orange);
  font-weight:500;
  margin:0 0 12px 10px;
}
@media (max-width:960px){
  /* Convert MORE into a stacked expandable inside the mobile menu */
  .nav-more{position:static;display:block;width:100%}
  .nav-more-btn{
    width:100%;text-align:left;padding:14px 32px;
    font-family:var(--font-alt);font-size:13.5px;letter-spacing:.14em;
    text-transform:uppercase;font-weight:500;color:var(--ink);
    display:flex;align-items:center;justify-content:space-between;gap:12px;
  }
  .nav-more-caret{margin-left:auto}
  .nav-drop{
    position:static;
    min-width:0;width:100%;
    border:0;border-radius:0;box-shadow:none;
    padding:0 0 8px;
    opacity:0;visibility:hidden;
    max-height:0;overflow:hidden;
    transform:none;
    transition:max-height .3s ease,opacity .2s ease,visibility 0s linear .3s;
    background:var(--stone);
  }
  .nav-more[data-open="true"] .nav-drop{
    opacity:1;visibility:visible;
    max-height:1200px;transform:none;
    transition:max-height .4s ease,opacity .2s ease,visibility 0s;
  }
  .nav-drop-inner{
    grid-template-columns:1fr;gap:0;padding:6px 0;
  }
  .nav-drop-col{padding:8px 0}
  .nav-drop-label{
    margin:12px 32px 6px;
    font-size:10.5px;
  }
  .nav-drop-col li a{
    padding:11px 44px;border-radius:0;
    font-size:14px;color:var(--gray-3);
  }
  .nav-drop-col li a:hover{background:rgba(220,99,24,.06);color:var(--orange)}
}