@font-face{font-family:'HCDisplay';src:url(/assets/fonts/InstrumentSerif-Regular.woff) format('woff');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'HCDisplay';src:url(/assets/fonts/InstrumentSerif-Italic.woff) format('woff');font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:'HCSans';src:url(/assets/fonts/InstrumentSans-Regular.woff) format('woff');font-weight:400;font-display:swap}
@font-face{font-family:'HCSans';src:url(/assets/fonts/InstrumentSans-Bold.woff) format('woff');font-weight:700;font-display:swap}
:root{
  --pine:#0d241d;--pine2:#173a2f;--pine3:#21503f;
  --berry:#7a1424;--berry2:#9c1f33;
  --gold-a:#f6e3b0;--gold-b:#d4ad62;--gold-c:#a77b33;
  --gold:linear-gradient(120deg,#f8e7b9 0%,#d6b067 38%,#b4893f 62%,#f1d99f 100%);
  --ivory:#fdfaf4;--stone:#f3eee5;--ink:#18201c;--muted:#5a615a;--line:#e7dfd0;
  --serif:'HCDisplay','Instrument Serif',Georgia,serif;--sans:'HCSans','Instrument Sans',system-ui,-apple-system,sans-serif;
  --hdr:72px
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--hdr) + 16px);-webkit-text-size-adjust:100%}
body{font-family:var(--sans);color:var(--ink);background:var(--ivory);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:860px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:10px 16px;z-index:999}.skip:focus{left:8px}
.gold-text{background:var(--gold);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{font-family:var(--sans);font-weight:700;font-size:12px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold-c)}
.title{font-family:var(--serif);font-weight:400;font-size:clamp(36px,4.8vw,58px);line-height:1.04;color:var(--pine);letter-spacing:-.01em;margin-top:6px}
.title i{color:var(--berry)}
.lede{color:var(--muted);font-size:17.5px;max-width:640px;margin-top:12px}
.center{text-align:center}.center .lede{margin-left:auto;margin-right:auto}
.sec{padding:84px 0}.sec.tight{padding:56px 0}
.sec.stone{background:var(--stone)}
.sec.dark{background:radial-gradient(900px 500px at 90% 0%,rgba(214,176,103,.16),transparent 60%),linear-gradient(160deg,var(--pine2),var(--pine));color:#fff}
.sec.dark .title{color:#fff}.sec.dark .title i{color:var(--gold-a)}.sec.dark .lede{color:#cfc7b6}.sec.dark .eyebrow{color:var(--gold-a)}
.head{margin-bottom:40px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:16px 26px;border-radius:2px;font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase;transition:.25s;text-align:center;line-height:1.25}
.btn-gold{background:var(--gold);color:var(--pine);box-shadow:0 10px 24px rgba(180,137,63,.32)}.btn-gold:hover{filter:brightness(1.07);transform:translateY(-1px)}
.btn-line{border:1px solid rgba(246,227,176,.6);color:#fbf3df}.btn-line:hover{background:rgba(246,227,176,.1)}
.btn-pine{background:var(--pine);color:#fff}.btn-pine:hover{background:var(--pine2)}
.btn-berry{background:var(--berry);color:#fff}.btn-berry:hover{background:var(--berry2)}
.btn-outline{border:1px solid var(--pine);color:var(--pine)}.btn-outline:hover{background:var(--pine);color:#fff}
.ctas{display:flex;flex-wrap:wrap;gap:12px}
.center .ctas{justify-content:center}

/* ribbon + header */
.ribbon{background:var(--berry);color:#fbeedd;text-align:center;font-size:13.5px;letter-spacing:.05em;padding:10px 16px}
.ribbon b{color:var(--gold-a)}.ribbon a{border-bottom:1px solid var(--gold-b);color:#fff;font-weight:700}
.site-hdr{position:sticky;top:0;z-index:50;background:rgba(9,27,21,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid rgba(246,227,176,.18)}
.hdr-in{display:flex;align-items:center;gap:20px;height:var(--hdr)}
.brand{display:flex;align-items:center;gap:14px;color:#fff;flex-shrink:0}
.brand img{height:28px;width:auto}
.brand .bn{font-family:var(--serif);font-size:24px;line-height:1;white-space:nowrap}
.brand .bn small{display:block;font-family:var(--sans);font-weight:700;font-size:9.5px;letter-spacing:.3em;color:var(--gold-a);margin-top:4px}
.brand .sep{width:1px;height:34px;background:rgba(246,227,176,.35)}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav>a,.dd>button{color:#eee6d3;font-size:14px;padding:10px 12px;border-radius:2px;display:flex;align-items:center;gap:6px;white-space:nowrap}
.nav>a:hover,.dd>button:hover,.nav a[aria-current=page]{color:var(--gold-a)}
.dd{position:relative}
.dd>button:after{content:"";width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dd-menu{position:absolute;top:100%;left:0;min-width:250px;background:#fff;box-shadow:0 24px 50px rgba(0,0,0,.25);padding:10px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s;border-top:3px solid var(--gold-b)}
.dd:hover .dd-menu,.dd:focus-within .dd-menu,.dd.open .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:block;padding:11px 14px;color:var(--pine);font-size:14.5px}
.dd-menu a small{display:block;color:var(--muted);font-size:12.5px}
.dd-menu a:hover{background:var(--stone)}
.nav .santa-link{color:#fff;background:var(--berry);border-radius:999px;padding:9px 15px;margin-left:6px}
.nav .santa-link:hover{background:var(--berry2);color:#fff}
.hdr-call{background:var(--gold);color:var(--pine);font-weight:700;font-size:13px;letter-spacing:.08em;padding:11px 16px;border-radius:2px;white-space:nowrap;margin-left:8px}
.burger{display:none;margin-left:auto;width:46px;height:46px;align-items:center;justify-content:center;color:#fff}
.burger span,.burger span:before,.burger span:after{display:block;width:24px;height:2px;background:currentColor;position:relative;transition:.25s}
.burger span:before,.burger span:after{content:"";position:absolute;left:0}.burger span:before{top:-7px}.burger span:after{top:7px}
.menu-open .burger span{background:transparent}.menu-open .burger span:before{top:0;transform:rotate(45deg)}.menu-open .burger span:after{top:0;transform:rotate(-45deg)}
@media(max-width:1120px){
  .burger{display:flex}
  .hdr-call{display:none}
  .nav{position:fixed;left:0;right:0;top:var(--top,var(--hdr));bottom:0;background:var(--pine);flex-direction:column;align-items:stretch;gap:0;padding:12px 20px 120px;overflow-y:auto;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .2s,transform .2s,visibility .2s;margin:0}
  .menu-open .nav{opacity:1;visibility:visible;transform:none}
  .nav>a,.dd>button{font-size:18px;padding:16px 6px;border-bottom:1px solid rgba(246,227,176,.15);width:100%;justify-content:space-between}
  .dd-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:transparent;border:0;padding:0 0 8px 10px;display:none}
  .dd.open .dd-menu{display:block}
  .dd-menu a{color:#f1e9d6;padding:12px 8px}.dd-menu a small{color:#a9b3ad}.dd-menu a:hover{background:rgba(255,255,255,.05)}
  .nav .santa-link{margin:18px 0 0;justify-content:center;border:0}
  .nav .m-call{display:flex!important}
}
.nav .m-call{display:none;margin-top:12px;background:var(--gold);color:var(--pine)!important;justify-content:center;font-weight:700;border:0}
body.menu-open{overflow:hidden}
@media(max-width:520px){.brand .bn{font-size:20px}.brand img{height:22px}.brand .sep{height:28px}.brand{gap:10px}}

/* heroes */
.hero{position:relative;color:#fff;overflow:hidden;background:radial-gradient(900px 520px at 85% 10%,rgba(214,176,103,.20),transparent 60%),radial-gradient(800px 600px at 0% 100%,rgba(122,20,36,.35),transparent 60%),linear-gradient(160deg,var(--pine3) 0%,var(--pine) 55%,#081812 100%)}
.hero.berry{background:radial-gradient(900px 520px at 85% 10%,rgba(214,176,103,.22),transparent 60%),linear-gradient(160deg,var(--berry2) 0%,#5c0f1b 60%,#3a0811 100%)}
.snow{position:absolute;inset:0;pointer-events:none;opacity:.75;background-image:radial-gradient(2px 2px at 30px 40px,#fff,transparent),radial-gradient(1.6px 1.6px at 140px 90px,rgba(255,255,255,.8),transparent),radial-gradient(2.4px 2.4px at 230px 170px,rgba(255,255,255,.6),transparent),radial-gradient(1.2px 1.2px at 320px 30px,#fff,transparent),radial-gradient(1.8px 1.8px at 80px 200px,rgba(255,255,255,.7),transparent);background-size:360px 240px;animation:snow 24s linear infinite}
@keyframes snow{from{background-position:0 0}to{background-position:-60px 720px}}
@media(prefers-reduced-motion:reduce){.snow{animation:none}html{scroll-behavior:auto}}
.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:72px;padding-bottom:64px}
.hero .kicker{font-family:var(--serif);font-style:italic;font-size:26px;color:var(--gold-a)}
.hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(46px,6.4vw,86px);line-height:.97;letter-spacing:-.015em;margin-top:8px}
.hero h1 i{font-style:italic}
.hero p.sub{margin:22px 0 32px;font-size:18.5px;color:#e6e0d3;max-width:560px}
.hero .phone{margin-top:24px;font-size:14.5px;color:#cdc5b4}
.hero .phone a{color:#fff;font-weight:700}
.page-hero .hero-grid{padding-top:64px;padding-bottom:60px}
.page-hero.simple .hero-grid{grid-template-columns:1fr;text-align:center;justify-items:center;padding:76px 0 70px}
.page-hero.simple p.sub{margin-left:auto;margin-right:auto}
.page-hero.simple .ctas{justify-content:center}
.crumbs{font-size:13px;color:#c9c1af;margin-bottom:18px;letter-spacing:.04em}
.crumbs a{color:var(--gold-a)}
.portrait{position:relative;justify-self:center;width:100%;max-width:420px}
.portrait .arch{padding:10px;border-radius:230px 230px 6px 6px;background:var(--gold);box-shadow:0 40px 80px rgba(0,0,0,.5)}
.portrait img{width:100%;aspect-ratio:1/1.1;object-fit:cover;object-position:center 18%;border-radius:220px 220px 2px 2px}
.portrait .card{position:absolute;left:-26px;bottom:34px;background:var(--ivory);color:var(--pine);padding:15px 22px;box-shadow:0 18px 40px rgba(0,0,0,.35);border-left:3px solid var(--berry)}
.portrait .card small{display:block;font-weight:700;letter-spacing:.28em;font-size:10.5px;color:var(--berry);text-transform:uppercase}
.portrait .card span{font-family:var(--serif);font-size:27px;line-height:1.1}
.jump{position:relative;border-top:1px solid rgba(246,227,176,.22)}
.jump .wrap{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;padding:22px 24px 28px}
.jump a{border:1px solid rgba(246,227,176,.4);color:#f4ead3;padding:10px 18px;border-radius:999px;font-size:13.5px;letter-spacing:.05em;transition:.2s;background:rgba(255,255,255,.03)}
.jump a:hover{background:rgba(246,227,176,.14);border-color:var(--gold-b)}
.jump a.hot{background:var(--berry);border-color:var(--berry);color:#fff}

/* in-page sub nav */
.subnav{position:sticky;top:var(--hdr);z-index:40;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 6px 18px rgba(13,36,29,.05)}
.subnav .wrap{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;padding-top:10px;padding-bottom:10px}
.subnav .wrap::-webkit-scrollbar{display:none}
.subnav a{flex-shrink:0;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);padding:9px 14px;border-radius:999px}
.subnav a:hover,.subnav a.on{background:var(--stone);color:var(--berry)}

/* cards & grids */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);padding:30px 28px;position:relative;transition:.25s}
.card:hover{box-shadow:0 20px 40px rgba(13,36,29,.08)}
.card h3{font-family:var(--serif);font-weight:400;font-size:28px;line-height:1.1;color:var(--pine);margin-bottom:10px}
.card h4{font-family:var(--serif);font-weight:400;font-size:24px;line-height:1.12;color:var(--pine);margin-bottom:8px}
.card p{color:var(--muted);font-size:15.5px}
.card .num{font-family:var(--serif);font-style:italic;font-size:38px;line-height:1;background:var(--gold);-webkit-background-clip:text;background-clip:text;color:transparent;display:block;margin-bottom:10px}
.card .tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--berry);margin-bottom:10px}
.card ul{list-style:none;display:grid;gap:7px;margin-top:6px}
.card ul li{color:var(--muted);font-size:15px;padding-left:18px;position:relative}
.card ul li:before{content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;background:var(--gold);transform:rotate(45deg)}
.card.dk{background:rgba(255,255,255,.04);border-color:rgba(246,227,176,.22)}
.card.dk h3,.card.dk h4{color:#fff}.card.dk p,.card.dk li{color:#d3ccbc}
.card .icon{font-size:30px;margin-bottom:12px;display:block;line-height:1}
.card.feature{border-top:3px solid var(--gold-b)}
.card.callout{background:linear-gradient(160deg,var(--pine2),var(--pine));color:#fff;border:0}
.card.callout h3{color:#fff}.card.callout p{color:#d3ccbc}
.note-box{background:#fff;border-left:3px solid var(--berry);padding:20px 24px;color:#3f443f;font-size:15.5px;margin-top:26px}
.note-box b{color:var(--pine)}

/* steps */
.steps{counter-reset:s;display:grid;gap:0;border-left:1px solid var(--gold-b);margin-left:22px}
.stp{position:relative;padding:0 0 34px 44px}
.stp:last-child{padding-bottom:0}
.stp:before{counter-increment:s;content:counter(s);position:absolute;left:-23px;top:-4px;width:46px;height:46px;border-radius:50%;background:var(--pine);color:var(--gold-a);font-family:var(--serif);font-size:24px;display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 6px var(--ivory)}
.stone .stp:before{box-shadow:0 0 0 6px var(--stone)}
.stp h3{font-family:var(--serif);font-weight:400;font-size:28px;color:var(--pine);line-height:1.1;margin-bottom:6px}
.stp p{color:var(--muted);max-width:640px}
.hsteps{display:grid;grid-template-columns:repeat(var(--n,4),1fr);gap:22px;counter-reset:s}
.hstep{border-top:1px solid var(--gold-b);padding-top:18px}
.hstep:before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-style:italic;font-size:36px;line-height:1;background:var(--gold);-webkit-background-clip:text;background-clip:text;color:transparent;display:block;margin-bottom:8px}
.hstep h3{font-family:var(--serif);font-weight:400;font-size:25px;color:var(--pine);line-height:1.1;margin-bottom:6px}
.dark .hstep h3{color:#fff}.dark .hstep p{color:#d3ccbc}
.hstep p{color:var(--muted);font-size:15px}

/* faq */
.faq{display:grid;gap:12px;max-width:900px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);transition:.2s}
.faq details[open]{box-shadow:0 16px 34px rgba(13,36,29,.08);border-color:var(--gold-b)}
.faq summary{list-style:none;cursor:pointer;padding:22px 60px 22px 26px;font-family:var(--serif);font-size:23px;line-height:1.2;color:var(--pine);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-family:var(--sans);font-size:26px;color:var(--gold-c);transition:.2s}
.faq details[open] summary:after{content:"–"}
.faq .a{padding:0 26px 24px;color:#4a504b;font-size:16px}

/* tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;font-size:15.5px}
.tbl th,.tbl td{padding:15px 18px;border-bottom:1px solid var(--line);text-align:left}
.tbl th{background:var(--pine);color:var(--gold-a);font-size:12px;letter-spacing:.2em;text-transform:uppercase}
.tbl td:not(:first-child),.tbl th:not(:first-child){text-align:center}
.tbl .y{color:#1f7a4d;font-weight:700;font-size:18px}.tbl .n{color:var(--berry);font-weight:700}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line)}

/* people / lenders */
.person{display:flex;flex-direction:column}
.person .mono{width:64px;height:64px;border-radius:50%;background:var(--gold);color:var(--pine);font-family:var(--serif);font-size:26px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.person .co{font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--berry);margin-bottom:12px}
.person dl{display:grid;gap:4px;font-size:14.5px;color:var(--muted);margin-bottom:14px}
.person blockquote{font-family:var(--serif);font-style:italic;font-size:19px;line-height:1.35;color:var(--pine);border-left:2px solid var(--gold-b);padding-left:14px;margin:6px 0 18px}
.person .acts{margin-top:auto;display:flex;flex-wrap:wrap;gap:8px}
.pill{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:999px;background:var(--pine);color:#fff;font-weight:700;font-size:13px;transition:.2s;white-space:nowrap}
.pill:hover{background:var(--berry)}
.pill.ghost{background:transparent;border:1px solid var(--pine);color:var(--pine)}.pill.ghost:hover{background:var(--pine);color:#fff}
.pill.gold{background:var(--gold);color:var(--pine)}
.disc{font-size:13px;color:var(--muted);max-width:900px;margin:30px auto 0;text-align:center}

/* quiz + calc */
.quiz{background:#fff;border:1px solid var(--line);padding:34px;max-width:900px;margin:0 auto}
.q{padding:18px 0;border-bottom:1px solid var(--line)}
.q:last-of-type{border-bottom:0}
.q h4{font-size:17px;color:var(--pine);margin-bottom:12px}
.opts{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.opts label{border:1px solid var(--line);padding:12px 12px;font-size:14px;cursor:pointer;text-align:center;transition:.15s;border-radius:2px;display:flex;align-items:center;justify-content:center;min-height:52px}
.opts input{position:absolute;opacity:0;pointer-events:none}
.opts label:hover{border-color:var(--gold-b)}
.opts input:checked+span{font-weight:700}
.opts label:has(input:checked){background:var(--pine);color:#fff;border-color:var(--pine)}
.result{display:none;margin-top:24px;padding:28px;background:var(--stone);border-left:4px solid var(--gold-b)}
.result.show{display:block}
.result .score{font-family:var(--serif);font-size:48px;color:var(--berry);line-height:1}
.result h4{font-family:var(--serif);font-weight:400;font-size:28px;color:var(--pine);margin:6px 0}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;background:#fff;border:1px solid var(--line);max-width:980px;margin:0 auto}
.calc .in{padding:34px;display:grid;gap:16px}
.calc label{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--pine);display:grid;gap:6px}
.calc input{font:inherit;font-size:18px;padding:13px 14px;border:1px solid var(--line);background:var(--ivory);border-radius:2px;width:100%;letter-spacing:0;text-transform:none;font-weight:400}
.calc input:focus,.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold-b);outline-offset:1px}
.calc .out{background:linear-gradient(160deg,var(--pine2),var(--pine));color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}
.calc .out .big{font-family:var(--serif);font-size:clamp(40px,5vw,60px);line-height:1;margin:10px 0}
.calc .out small{color:#c9c1af;font-size:13.5px}
.calc .out .row{display:flex;justify-content:space-between;border-bottom:1px solid rgba(246,227,176,.2);padding:9px 0;font-size:15px}

/* form */
.form{display:grid;gap:12px}
.form input,.form select,.form textarea{font:inherit;font-size:16px;padding:14px 15px;border:1px solid var(--line);background:#fff;border-radius:2px;width:100%;color:var(--ink)}
.form textarea{min-height:110px;resize:vertical}
.form .r2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form small{color:var(--muted);font-size:13px}

/* checklist */
.chk-prog{position:sticky;top:calc(var(--hdr) + 0px);z-index:30;background:var(--pine);color:#fff;padding:12px 0}
.chk-prog .wrap{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.chk-prog .bar{flex:1;min-width:140px;height:8px;background:rgba(255,255,255,.15);border-radius:9px;overflow:hidden}
.chk-prog .bar i{display:block;height:100%;width:0;background:var(--gold);transition:.3s}
.chk-prog button{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-a);padding:6px 0}
.chk-sec{background:#fff;border:1px solid var(--line);margin-bottom:18px}
.chk-sec>summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;padding:20px 24px;font-family:var(--serif);font-size:26px;color:var(--pine)}
.chk-sec>summary::-webkit-details-marker{display:none}
.chk-sec>summary .ct{margin-left:auto;font-family:var(--sans);font-size:13px;font-weight:700;color:var(--gold-c);letter-spacing:.06em;white-space:nowrap}
.chk-sec>summary .ic{font-size:24px}
.chk-sec .items{padding:0 24px 18px}
.ci{display:flex;gap:14px;align-items:flex-start;padding:13px 0;border-top:1px solid var(--line);cursor:pointer}
.ci input{appearance:none;-webkit-appearance:none;flex-shrink:0;width:24px;height:24px;border:1.5px solid var(--gold-c);border-radius:3px;margin-top:1px;cursor:pointer;display:grid;place-content:center;background:#fff}
.ci input:checked{background:var(--pine);border-color:var(--pine)}
.ci input:checked:after{content:"";width:6px;height:11px;border:solid var(--gold-a);border-width:0 2.5px 2.5px 0;transform:rotate(45deg) translate(-1px,-1px)}
.ci .t{font-size:15.5px;color:#2d332f}
.ci .t b{color:var(--pine)}
.ci input:checked~.t{color:#8a908b;text-decoration:line-through;text-decoration-color:var(--gold-b)}
.ci .t .sub{display:block;font-size:13.5px;color:var(--berry);margin-top:3px;text-decoration:none}
.badge{display:inline-block;font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:3px 8px;border-radius:2px;margin-left:6px;vertical-align:2px}
.badge.imp{background:#f7e3e5;color:var(--berry)}.badge.rcpt{background:#f6edd9;color:var(--gold-c)}
textarea.notes{width:100%;min-height:180px;font:inherit;font-size:16px;padding:16px;border:1px solid var(--line);background:#fff}

/* SANTA */
.santa-card{position:relative;display:grid;grid-template-columns:1.1fr .9fr;overflow:hidden;background:#fff;box-shadow:0 30px 60px rgba(13,36,29,.12)}
.santa-card:before{content:"";position:absolute;inset:0;padding:10px;background:repeating-linear-gradient(135deg,var(--berry) 0 14px,#fff 14px 24px,var(--pine2) 24px 38px,#fff 38px 48px);-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none;z-index:2}
.santa-left{padding:56px 54px;position:relative;z-index:1}
.stamp{position:absolute;right:34px;top:34px;width:92px;height:110px;border:2px dashed var(--gold-c);display:flex;flex-direction:column;align-items:center;justify-content:center;transform:rotate(6deg);text-align:center;color:var(--berry);font-weight:700;font-size:10px;letter-spacing:.2em;background:#fffaf0;text-transform:uppercase}
.stamp b{font-family:var(--serif);font-size:34px;letter-spacing:0;color:var(--pine);font-weight:400;line-height:1}
.santa-card h2{font-family:var(--serif);font-weight:400;font-size:clamp(40px,5vw,64px);line-height:.98;color:var(--berry);margin-top:6px}
.santa-card h2 i{color:var(--pine)}
.santa-card p.lead{margin:16px 0 26px;color:#4c514d;font-size:17px;max-width:480px}
.s3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:30px}
.s3 div{border-top:1px solid var(--gold-b);padding-top:12px}
.s3 span{font-family:var(--serif);font-style:italic;font-size:28px;color:var(--gold-c);line-height:1}
.s3 p{font-size:14px;color:#4c514d;margin-top:4px}
.santa-right{position:relative;background:linear-gradient(160deg,var(--berry2),var(--berry) 60%,#5a0e1a);color:#fff;padding:56px 44px;display:flex;flex-direction:column;justify-content:center;z-index:1}
.letter{background:#fffaf0;color:var(--pine);padding:30px 28px;transform:rotate(-2.5deg);box-shadow:0 24px 50px rgba(0,0,0,.35);position:relative}
.letter:after{content:"";position:absolute;right:18px;top:-18px;width:46px;height:46px;border-radius:50%;background:radial-gradient(circle at 35% 35%,#c23b4d,#7a1424);box-shadow:0 4px 10px rgba(0,0,0,.3)}
.letter .from{font-weight:700;letter-spacing:.3em;font-size:11px;color:var(--berry);text-transform:uppercase}
.letter .dear{font-family:var(--serif);font-style:italic;font-size:30px;margin:8px 0 6px}
.letter .body{font-size:14px;color:#4c514d}
.letter .sig{font-family:var(--serif);font-style:italic;font-size:26px;color:var(--berry);margin-top:10px}
.dates{margin-top:30px;display:grid;gap:8px;font-size:14px;letter-spacing:.04em}
.dates div{display:flex;justify-content:space-between;gap:10px;border-bottom:1px solid rgba(246,227,176,.3);padding-bottom:8px}
.dates b{color:var(--gold-a)}

/* guides collection */
.g-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.guide{position:relative;display:flex;flex-direction:column;min-height:400px;color:#fff;overflow:hidden;transition:.3s;box-shadow:0 20px 40px rgba(13,36,29,.15)}
.guide:hover{transform:translateY(-6px);box-shadow:0 30px 60px rgba(13,36,29,.25)}
.guide .cover{flex:1;padding:36px 32px;display:flex;flex-direction:column;position:relative}
.guide .cover:before{content:"";position:absolute;inset:14px;border:1px solid rgba(246,227,176,.45);pointer-events:none}
.guide.buy .cover{background:radial-gradient(500px 300px at 100% 0%,rgba(214,176,103,.25),transparent),linear-gradient(170deg,var(--pine3),var(--pine))}
.guide.sell .cover{background:radial-gradient(500px 300px at 100% 0%,rgba(214,176,103,.25),transparent),linear-gradient(170deg,var(--berry2),#4f0c17)}
.guide.local .cover{background:radial-gradient(500px 300px at 100% 0%,rgba(255,255,255,.2),transparent),linear-gradient(170deg,#3a4a3f,#1b2722)}
.guide .vol{font-weight:700;letter-spacing:.32em;font-size:12px;color:var(--gold-a);text-transform:uppercase}
.guide h3{font-family:var(--serif);font-weight:400;font-size:44px;line-height:.98;margin:auto 0 14px}
.guide h3 i{display:block}
.guide ul{list-style:none;font-size:14.5px;color:#e8e1d2;display:grid;gap:6px;margin-bottom:6px}
.guide ul li:before{content:"— ";color:var(--gold-b)}
.guide .foot{background:var(--gold);color:var(--pine);padding:16px 32px;font-weight:700;font-size:12px;letter-spacing:.18em;text-transform:uppercase;display:flex;justify-content:space-between}

/* tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.tile{background:var(--ivory);padding:34px 30px;display:flex;flex-direction:column;min-height:260px;transition:.25s}
.tile:hover{background:#fff}.tile:hover .go{color:var(--berry)}
.tile .num{font-family:var(--serif);font-style:italic;font-size:40px;line-height:1;background:var(--gold);-webkit-background-clip:text;background-clip:text;color:transparent}
.tile h3{font-family:var(--serif);font-weight:400;font-size:31px;line-height:1.05;color:var(--pine);margin:12px 0 10px}
.tile ul{list-style:none;font-size:14.5px;color:var(--muted);display:grid;gap:4px;flex:1}
.tile ul li:before{content:"·  ";color:var(--gold-c);font-weight:700}
.tile p{font-size:15px;color:var(--muted);flex:1}
.tile .go{margin-top:18px;font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--pine);transition:.2s}
.split-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:34px}

/* about split */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.split.rev{grid-template-columns:1.1fr .9fr}
.framed{width:100%;object-fit:cover;box-shadow:0 30px 60px rgba(0,0,0,.2);outline:1px solid var(--gold-b);outline-offset:12px}
.split p{color:#3f443f;margin-top:14px;font-size:17px}
.sig{font-family:var(--serif);font-style:italic;font-size:42px;color:var(--berry);margin-top:16px;line-height:1}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}
.fact{border-top:1px solid var(--gold-b);padding-top:12px}
.fact b{font-family:var(--serif);font-weight:400;font-size:30px;color:var(--pine);display:block;line-height:1}
.fact span{font-weight:700;letter-spacing:.22em;font-size:11px;color:var(--muted);text-transform:uppercase}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.chip{border:1px solid rgba(246,227,176,.45);color:#f4ead3;padding:9px 18px;border-radius:999px;font-size:14px}
.soc-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:30px}
.soc{background:var(--ivory);padding:26px 16px;text-align:center;transition:.2s}
.soc:hover{background:#fff}
.soc b{display:block;font-family:var(--serif);font-weight:400;font-size:26px;color:var(--pine)}
.soc span{font-size:13px;color:var(--muted)}

/* video */
.video{position:relative;aspect-ratio:16/9;background:#000;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.25);cursor:pointer;max-width:960px;margin:0 auto}
.video img{width:100%;height:100%;object-fit:cover;opacity:.85;transition:.3s}
.video:hover img{opacity:1}
.video .play{position:absolute;inset:0;margin:auto;width:86px;height:86px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 30px rgba(0,0,0,.4)}
.video .play:after{content:"";border-left:24px solid var(--pine);border-top:15px solid transparent;border-bottom:15px solid transparent;margin-left:6px}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* local guide vendors */
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cat{background:#fff;border:1px solid var(--line);padding:28px 26px}
.cat-head{display:flex;gap:14px;align-items:flex-start;padding-bottom:16px;border-bottom:1px solid var(--line);margin-bottom:6px}
.cat-head .num{font-family:var(--serif);font-style:italic;font-size:34px;line-height:1;background:var(--gold);-webkit-background-clip:text;background-clip:text;color:transparent}
.cat-head h3{font-family:var(--serif);font-weight:400;font-size:27px;line-height:1.05;color:var(--pine)}
.cat-head p{font-size:13.5px;color:var(--muted)}
.vendor{padding:16px 0;border-bottom:1px dashed var(--line)}
.vendor:last-child{border-bottom:0}
.vendor h4{font-family:var(--serif);font-weight:400;font-size:21px;color:var(--pine);line-height:1.15}
.vendor span{font-size:13px;color:var(--muted);display:block}
.vendor .pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.grda{display:grid;grid-template-columns:1fr 1fr;gap:40px;background:linear-gradient(160deg,var(--pine2),var(--pine));color:#fff;padding:50px;margin-top:30px;position:relative;overflow:hidden}
.grda h3{font-family:var(--serif);font-weight:400;font-size:44px;line-height:1;margin:8px 0 12px}
.grda h3 i{color:var(--gold-a)}
.grda p{color:#d3ccbc}
.grda .row{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding:14px 0;border-bottom:1px solid rgba(246,227,176,.2);font-size:15px}
.grda .row a{color:var(--gold-a);font-weight:700}
.favs{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:22px}
.fav{background:var(--stone);padding:34px}
.fav h3{font-family:var(--serif);font-weight:400;font-size:32px;color:var(--pine);margin:6px 0 8px}
.fav p{color:var(--muted);margin-bottom:16px}
.fav .pills{display:flex;flex-wrap:wrap;gap:8px}

/* 24 topics */
.topics{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(246,227,176,.2);border:1px solid rgba(246,227,176,.2)}
.topic{background:var(--pine);padding:26px 22px;transition:.2s}
.topic:hover{background:#12302a}
.topic .k{font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-b)}
.topic .k b{font-family:var(--serif);font-style:italic;font-size:26px;letter-spacing:0;font-weight:400;color:var(--gold-a);margin-right:8px;text-transform:none}
.topic h4{font-family:var(--serif);font-weight:400;font-size:21px;line-height:1.15;color:#fff;margin:10px 0 8px}
.topic p{font-size:14px;color:#c8c1b0}

/* week plan */
.weeks{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.week{background:#fff;border:1px solid var(--line);padding:26px 24px;display:flex;flex-direction:column}
.week .wk{font-family:var(--serif);font-style:italic;font-size:30px;color:var(--berry);line-height:1}
.week h4{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--pine);margin:8px 0 10px}
.week p{font-size:14.5px;color:var(--muted)}
.week ul{list-style:none;display:grid;gap:6px;margin:12px 0;font-size:14.5px;color:#3f443f}
.week ul li:before{content:"✓ ";color:var(--gold-c);font-weight:700}
.week .eval{margin-top:auto;background:var(--stone);padding:12px 14px;font-size:13.5px;color:#4a504b;border-left:2px solid var(--gold-b)}
.mkt{columns:3;column-gap:30px;list-style:none;margin-top:10px}
.mkt li{break-inside:avoid;padding:10px 0 10px 24px;border-bottom:1px solid rgba(246,227,176,.18);position:relative;color:#ece5d3}
.mkt li:before{content:"✦";position:absolute;left:0;color:var(--gold-b)}

/* agent hub */
.tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:34px}
.tabs button{padding:11px 18px;border:1px solid var(--line);background:#fff;border-radius:999px;font-size:14px;font-weight:700;color:var(--pine)}
.tabs button.on{background:var(--pine);color:var(--gold-a);border-color:var(--pine)}
.tabpane{display:none}.tabpane.on{display:block}
.acc{background:#fff;border:1px solid var(--line);margin-bottom:12px}
.acc>summary{list-style:none;cursor:pointer;padding:20px 24px;font-family:var(--serif);font-size:24px;color:var(--pine);display:flex;justify-content:space-between;gap:12px}
.acc>summary::-webkit-details-marker{display:none}
.acc>summary:after{content:"+";font-family:var(--sans);color:var(--gold-c)}
.acc[open]>summary:after{content:"–"}
.acc .bd{padding:0 24px 24px;color:#3f443f}
.acc .bd h5{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--berry);margin:16px 0 8px}
.acc .bd ul{padding-left:20px;display:grid;gap:5px}
.acc .bd .script{font-family:var(--serif);font-style:italic;font-size:19px;color:var(--pine);background:var(--stone);padding:16px 18px;margin:12px 0;border-left:2px solid var(--gold-b)}
.acc .bd .tip{background:#fff7e6;padding:12px 16px;margin-top:14px;font-size:15px;border-left:2px solid var(--gold-c)}
.forms{display:flex;flex-wrap:wrap;gap:6px}
.forms span{font-size:12.5px;background:var(--stone);padding:5px 10px;border-radius:2px;color:var(--pine)}
.cal{display:grid;grid-template-columns:repeat(7,1fr);gap:8px}
.cal button{background:#fff;border:1px solid var(--line);padding:12px 10px;text-align:left;min-height:96px;display:flex;flex-direction:column;gap:4px;transition:.15s;position:relative}
.cal button:hover{border-color:var(--gold-b);box-shadow:0 10px 20px rgba(13,36,29,.08)}
.cal .d{font-size:11px;font-weight:700;letter-spacing:.14em;color:var(--muted);text-transform:uppercase}
.cal .t{font-family:var(--serif);font-size:17px;line-height:1.15;color:var(--pine)}
.cal .dot{position:absolute;right:10px;top:12px;width:9px;height:9px;border-radius:50%}
.legend{display:flex;gap:18px;flex-wrap:wrap;justify-content:center;margin-bottom:18px;font-size:13.5px;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px;vertical-align:-1px}
.modal{position:fixed;inset:0;background:rgba(6,20,15,.7);z-index:100;display:none;align-items:center;justify-content:center;padding:20px}
.modal.open{display:flex}
.modal .box{background:#fff;max-width:520px;width:100%;padding:34px;position:relative;max-height:90vh;overflow:auto;border-top:4px solid var(--gold-b)}
.modal .x{position:absolute;right:12px;top:8px;font-size:30px;color:var(--muted);width:44px;height:44px}
.modal h3{font-family:var(--serif);font-weight:400;font-size:32px;color:var(--pine);margin:4px 0 14px}
.modal li{list-style:none;padding:10px 0;border-bottom:1px solid var(--line);color:#3f443f}
.modal li:before{content:"✓ ";color:var(--gold-c);font-weight:700}
.idea .k{font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase}
.idea h4{font-family:var(--serif);font-weight:400;font-size:21px;color:var(--pine);margin:6px 0}
.idea p{font-style:italic;color:var(--muted);font-size:14.5px}
.oh h4{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--berry);margin-bottom:6px}

/* CTA + footer */
.cta{position:relative;overflow:hidden;color:#fff;text-align:center;padding:96px 24px;background:radial-gradient(800px 400px at 50% 0%,rgba(214,176,103,.22),transparent),linear-gradient(160deg,var(--pine3),var(--pine))}
.cta .kicker{font-family:var(--serif);font-style:italic;font-size:28px;color:var(--gold-a)}
.cta h2{font-family:var(--serif);font-weight:400;font-size:clamp(40px,5.2vw,66px);line-height:1.02;margin:8px auto 16px;max-width:900px}
.cta p{color:#d7cfbf;max-width:580px;margin:0 auto 32px;font-size:17px}
.cta .ctas{justify-content:center}
.ftr{background:#06140f;color:#a9a191;padding:64px 0 30px;font-size:14.5px}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.ftr h4{font-size:12px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-a);margin-bottom:14px}
.ftr a{color:#ddd5c3}.ftr a:hover{color:var(--gold-a)}
.ftr ul{list-style:none;display:grid;gap:9px}
.ftr .fb{font-family:var(--serif);font-size:30px;color:#fff;line-height:1;margin:14px 0 10px}
.ftr .legal{border-top:1px solid rgba(246,227,176,.15);margin-top:44px;padding-top:24px;font-size:12.5px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.mbar{display:none}
@media(max-width:760px){
  .mbar{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--pine);border-top:1px solid rgba(246,227,176,.3);padding-bottom:env(safe-area-inset-bottom)}
  .mbar a{color:#fff;text-align:center;padding:12px 4px 11px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;display:flex;flex-direction:column;align-items:center;gap:3px}
  .mbar a svg{width:20px;height:20px}
  .mbar a.g{background:var(--gold);color:var(--pine)}
  body{padding-bottom:64px}
}

@media print{
  .site-hdr,.ribbon,.mbar,.ftr,.cta,.chk-prog,.subnav,.noprint{display:none!important}
  .chk-sec{break-inside:avoid}
  .chk-sec .items{display:block!important}
  body{background:#fff}
}

@media(max-width:1000px){
  .hero-grid,.split,.split.rev,.santa-card,.grda,.calc{grid-template-columns:1fr}
  .hero-grid{gap:44px}
  .portrait{max-width:340px}
  .g3,.g4,.cats,.g-grid,.topics,.weeks{grid-template-columns:1fr 1fr}
  .hsteps{grid-template-columns:1fr 1fr}
  .tiles{grid-template-columns:1fr 1fr}
  .soc-grid{grid-template-columns:repeat(3,1fr)}
  .santa-left{padding:48px 34px}
  .stamp{display:none}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .mkt{columns:2}
  .cal{grid-template-columns:repeat(4,1fr)}
  .grda{padding:40px 30px}
}
@media(max-width:640px){
  .wrap{padding:0 18px}
  .sec{padding:60px 0}
  .g2,.g3,.g4,.cats,.g-grid,.tiles,.topics,.weeks,.hsteps,.favs{grid-template-columns:1fr}
  .soc-grid{grid-template-columns:1fr 1fr}
  .s3{grid-template-columns:1fr}
  .opts{grid-template-columns:1fr 1fr}
  .quiz{padding:22px 18px}
  .calc .in,.calc .out{padding:26px 20px}
  .form .r2{grid-template-columns:1fr}
  .portrait{max-width:290px}
  .portrait .card{left:8px;bottom:22px}
  .hero-grid{padding-top:44px;padding-bottom:44px}
  .hero p.sub{font-size:17px}
  .ctas .btn{width:100%}
  .ftr-grid{grid-template-columns:1fr}
  .mkt{columns:1}
  .cal{grid-template-columns:repeat(2,1fr)}
  .card{padding:24px 20px}
  .santa-left,.santa-right{padding:40px 24px}
  .guide{min-height:320px}
  .faq summary{font-size:20px;padding:18px 52px 18px 18px}
  .faq .a{padding:0 18px 20px}
  .tbl th,.tbl td{padding:12px 10px;font-size:14px}
  .facts{gap:10px}.fact b{font-size:24px}
  .chk-sec>summary{font-size:21px;padding:18px}
  .chk-sec .items{padding:0 18px 14px}
  .grda h3{font-size:36px}
}