:root{
  --ink:#16241d; --brae:#1f4d3a; --brae-dark:#123024; --brae-deep:#0e2419;
  --stone:#f6f5f1; --paper:#ffffff; --line:#e2e0d8;
  --gold:#b6852f; --gold-dark:#95691f; --muted:#5c645f;
  --maxw:1080px;
}
*{box-sizing:border-box}
input[type=hidden]{display:none !important}
html{scroll-behavior:smooth}
body{margin:0;background:var(--stone);color:var(--ink);
  font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Fraunces","Source Serif 4",Georgia,serif;
  font-weight:600;line-height:1.12;letter-spacing:-.01em;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:640}
h2{font-size:clamp(1.5rem,3vw,2.15rem);margin-top:0}
h3{font-size:1.18rem}
p{margin:0 0 1rem;max-width:66ch}
a{color:var(--brae);text-underline-offset:2px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* header */
.hdr{position:sticky;top:0;z-index:20;background:rgba(246,245,241,.92);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:24px;height:64px}
.brandmark{font-family:"Fraunces",serif;font-weight:640;font-size:1.4rem;
  color:var(--brae);text-decoration:none;letter-spacing:-.02em}
.nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-size:.95rem}
.nav a:hover{color:var(--brae)}
.callbtn{background:var(--brae);color:#fff;padding:9px 16px;border-radius:6px;
  text-decoration:none;font-weight:600;font-size:.95rem}
.callbtn:hover{background:var(--brae-dark)}
@media(max-width:760px){.nav a.navlink{display:none}}

/* hero with brae horizon */
.hero{position:relative;background:var(--brae-deep);color:#eef2ee;overflow:hidden}
.hero .wrap{position:relative;z-index:2;padding:66px 22px 150px}
.hero h1{color:#fff;max-width:16ch}
.hero .strap{font-family:"Fraunces",serif;font-style:italic;font-size:1.28rem;
  color:var(--gold);margin:0 0 22px}
.hero p.lede{color:#cdd8d0;font-size:1.12rem;max-width:52ch}
.brae-svg{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:auto;display:block;z-index:1}
/* offer card */
.offer{background:var(--paper);color:var(--ink);border-radius:12px;
  box-shadow:0 18px 40px rgba(9,26,19,.28);padding:22px;max-width:440px;margin-top:26px}
.offer h2{font-size:1.15rem;margin-bottom:4px}
.offer p.sub{color:var(--muted);font-size:.92rem;margin-bottom:14px}
.fields{display:flex;flex-direction:column;gap:9px}
.fields input{width:100%;padding:12px 14px;border:1.5px solid var(--line);
  border-radius:7px;font-size:1rem;font-family:inherit}
.fields input:focus{outline:none;border-color:var(--brae);box-shadow:0 0 0 3px rgba(31,77,58,.15)}
.fields .btn{width:100%;margin-top:2px}
.btn{background:var(--gold);color:#221a06;border:none;padding:13px 20px;border-radius:7px;
  font-weight:700;font-size:1rem;font-family:inherit;cursor:pointer}
.btn:hover{background:var(--gold-dark);color:#fff}
.offer .fine{font-size:.8rem;color:var(--muted);margin:10px 0 0}

/* trust strip */
.trust{background:var(--brae);color:#eaf1ed}
.trust .wrap{display:flex;flex-wrap:wrap;gap:8px 34px;padding:14px 22px;
  font-size:.93rem;justify-content:center}
.trust span{display:inline-flex;align-items:center;gap:8px}
.trust span::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold)}

/* sections */
section{padding:56px 0}
section.tint{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.lead{font-size:1.15rem;max-width:60ch}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:26px}
.step .n{font-family:"Fraunces",serif;font-size:2.2rem;color:var(--gold);line-height:1}
.step h3{margin:.3em 0 .2em}
.grid2{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:9px 0 9px 30px;position:relative;border-bottom:1px solid var(--line)}
.checks li::before{content:"";position:absolute;left:0;top:15px;width:13px;height:8px;
  border-left:2.5px solid var(--brae);border-bottom:2.5px solid var(--brae);transform:rotate(-45deg)}
.areas{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px;margin-top:22px}
.areas a{background:var(--stone);border:1px solid var(--line);border-radius:7px;padding:11px 13px;
  text-decoration:none;color:var(--ink);font-size:.95rem}
.areas a:hover{border-color:var(--brae);color:var(--brae)}
.sits{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px;margin-top:22px}
.sit{border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:8px;
  padding:16px 18px;background:var(--paper);text-decoration:none;color:var(--ink);display:block}
.sit:hover{border-left-color:var(--brae)}
.sit h3{margin:0 0 4px;font-size:1.05rem}
.sit span{color:var(--muted);font-size:.9rem}

/* honest block */
.honest{background:var(--brae-deep);color:#e9efe9}
.honest h2{color:#fff}
.honest p{color:#cbd6ce;max-width:70ch}
.honest .rule{width:52px;height:3px;background:var(--gold);margin:0 0 20px}

/* help box (repossession) */
.help{background:#fbf3e2;border:1px solid #d9bd78;border-radius:9px;padding:18px 20px;margin:8px 0 4px}
.help h3{color:var(--gold-dark);margin-top:0}
.help ul{margin:0;padding-left:18px}
.help li{margin:5px 0}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;font-weight:600;padding:12px 0;list-style:none;
  display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-weight:700;font-size:1.3rem}
.faq details[open] summary::after{content:"\2013"}
.faq p{padding:0 0 12px;margin:0}

/* cta band */
.ctaband{background:var(--gold);color:#221a06;text-align:center}
.ctaband h2{color:#221a06}
.ctaband .btn{background:var(--brae);color:#fff;margin-top:8px}
.ctaband .btn:hover{background:var(--brae-dark)}

/* footer */
.ft{background:var(--brae-deep);color:#b9c6bd;font-size:.9rem}
.ft .wrap{padding:44px 22px}
.ft .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
.ft a{color:#dce5df;text-decoration:none;display:block;margin:5px 0}
.ft a:hover{color:#fff}
.ft h4{color:#fff;font-family:"Inter";font-size:.85rem;letter-spacing:.02em;margin:0 0 10px}
.ft .brandmark{color:#fff;font-size:1.5rem}
.ft .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;color:#8ea092}
.note{background:#fff8e6;border:1px solid #e6cf8c;color:#5b4611;padding:10px 14px;
  border-radius:7px;font-size:.85rem;margin:0 0 0}

@media(max-width:820px){.grid2{grid-template-columns:1fr;gap:24px}
  .steps{grid-template-columns:1fr}.ft .cols{grid-template-columns:1fr 1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--brae);color:#fff;padding:10px 14px;z-index:60;border-radius:0 0 6px 0}
.skip:focus{left:0}
.crumbs{background:var(--stone);border-bottom:1px solid var(--line);font-size:.85rem}
.crumbs .wrap{padding:9px 22px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--brae)}
.crumbs .sep{color:var(--line);margin:0 8px}
.crumbs span[aria-current]{color:var(--ink)}