/* Generated by /v4/build.mjs from the public base, V3 editorial system, and V4 finish. */

/* ===== Design System ===== */
:root {
  --red: #E11D2C;
  --red-deep: #B8121F;
  --red-soft: #FDE8EA;
  --ink: #161616;
  --ink-2: #2A2A2A;
  --muted: #6B6B6B;
  --line: #E6E2DC;
  --paper: #F5F1EA;
  --paper-2: #EFEAE1;
  --white: #FFFFFF;
  --shadow-sm: 0 1px 2px rgba(22,22,22,.04), 0 2px 8px rgba(22,22,22,.04);
  --shadow-md: 0 8px 32px rgba(22,22,22,.08);
  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 18px;
  --max: 1280px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

.display {
  font-family: 'Anton', 'Oswald', Impact, sans-serif;
  font-weight: 400;
  letter-spacing: -0.01em;
  line-height: 1.05;
  text-transform: uppercase;
}

.mono {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 500;
}

.eyebrow {
  font-family: 'JetBrains Mono', ui-monospace, monospace;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
}

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 32px;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px;
  font-weight: 600;
  font-size: 14px;
  letter-spacing: 0.02em;
  border-radius: 999px;
  transition: all .18s ease;
  white-space: nowrap;
  cursor: pointer;
  border: 1.5px solid transparent;
}
.btn-primary {
  background: var(--red);
  color: white;
}
.btn-primary:hover { background: var(--red-deep); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--ink);
}
.btn-ghost:hover { background: var(--ink); color: white; }
.btn-light {
  background: white;
  color: var(--ink);
  border-color: var(--line);
}
.btn-light:hover { border-color: var(--ink); }
.btn-sm { padding: 10px 16px; font-size: 13px; }
.btn-lg { padding: 18px 28px; font-size: 15px; }

/* ===== Nav ===== */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(245, 241, 234, 0.92);
  backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid transparent;
  transition: all .2s ease;
}
.nav.scrolled {
  border-bottom-color: var(--line);
  background: rgba(245, 241, 234, 0.96);
}
.nav-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 14px 32px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Anton', sans-serif;
  font-size: 22px;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}
.nav-mark {
  width: 32px; height: 32px;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  gap: 28px;
  margin-left: 24px;
  flex: 1;
}
.nav-link {
  font-size: 14px;
  font-weight: 500;
  position: relative;
  padding: 8px 0;
  color: var(--ink-2);
  transition: color .15s;
}
.nav-link:hover { color: var(--red); }
.nav-link::after {
  content: '';
  position: absolute;
  left: 0; right: 100%;
  bottom: 4px;
  height: 2px;
  background: var(--red);
  transition: right .2s;
}
.nav-link:hover::after { right: 0; }
.nav-cta {
  display: flex;
  gap: 10px;
  align-items: center;
}

/* ===== Marquee strip ===== */
.marquee {
  background: var(--ink);
  color: white;
  overflow: hidden;
  padding: 10px 0;
  font-family: 'JetBrains Mono', monospace;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  white-space: nowrap;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, black 64px, black calc(100% - 64px), transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, black 64px, black calc(100% - 64px), transparent 100%);
}
.marquee-track {
  display: inline-flex;
  gap: 48px;
  padding-left: 48px;
  animation: scroll 40s linear infinite;
}
.marquee-track span { display: inline-flex; align-items: center; gap: 12px; }
.marquee-dot { color: var(--red); }
@keyframes scroll {
  to { transform: translateX(-50%); }
}

/* ===== Concentric mark ===== */
.concentric {
  --c: var(--ink);
  width: 100%; height: 100%;
}
.concentric circle { fill: none; stroke: var(--c); stroke-width: 1.5; }

/* ===== Hex monogram ===== */
.hex-mark {
  width: 100%; height: 100%;
}

/* ===== Section helpers ===== */
section { padding: 96px 0; }
.section-sm { padding: 64px 0; }

.section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  margin-bottom: 48px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.section-head h2 { margin: 8px 0 0; font-size: 56px; }
.section-head p { max-width: 420px; color: var(--muted); margin: 0; }

/* ===== Cards ===== */
.card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px;
  transition: all .2s;
  position: relative;
  overflow: hidden;
}
.card:hover { border-color: var(--ink); transform: translateY(-2px); }

/* ===== Imagery placeholders ===== */
.placeholder {
  position: relative;
  background:
    repeating-linear-gradient(
      135deg,
      rgba(22,22,22,0.04) 0 12px,
      rgba(22,22,22,0.02) 12px 24px
    ),
    var(--paper-2);
  border: 1px solid var(--line);
  display: flex;
  align-items: flex-end;
  justify-content: flex-start;
  overflow: hidden;
  border-radius: var(--r-md);
}
.placeholder-red {
  background:
    repeating-linear-gradient(
      135deg,
      rgba(225, 29, 44, 0.08) 0 12px,
      rgba(225, 29, 44, 0.04) 12px 24px
    ),
    #FBE9EB;
}
.placeholder-dark {
  background:
    repeating-linear-gradient(
      135deg,
      rgba(255,255,255,0.04) 0 12px,
      rgba(255,255,255,0.02) 12px 24px
    ),
    var(--ink);
  color: rgba(255,255,255,.6);
}
.placeholder .ph-tag {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  background: rgba(22,22,22,0.85);
  color: white;
  padding: 6px 10px;
  margin: 14px;
  border-radius: 4px;
}
.placeholder-dark .ph-tag { background: rgba(255,255,255,.15); color: white; }

/* ===== Big outlined wordmark (decorative) ===== */
.outlined-word {
  font-family: 'Anton', sans-serif;
  text-transform: uppercase;
  -webkit-text-stroke: 1.5px var(--ink);
  color: transparent;
  letter-spacing: -0.02em;
  user-select: none;
}

/* ===== Footer ===== */
.footer {
  background: var(--ink);
  color: rgba(255,255,255,0.7);
  padding: 80px 0 0;
  margin-top: 120px;
  position: relative;
  overflow: hidden;
}
.footer-mega {
  font-family: 'Anton', sans-serif;
  font-size: clamp(120px, 22vw, 320px);
  line-height: 0.85;
  letter-spacing: -0.02em;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(255,255,255,0.15);
  white-space: nowrap;
  pointer-events: none;
  margin: 60px 0 -40px;
  text-align: center;
}

/* ===== Stars ===== */
.stars { display: inline-flex; gap: 2px; color: var(--red); }
.stars svg { width: 16px; height: 16px; fill: currentColor; }

/* Density tweak */
body[data-density="compact"] section { padding: 64px 0; }
body[data-density="compact"] .section-head { margin-bottom: 32px; }
body[data-density="compact"] .card { padding: 20px; }

/* Hide tweak panel default */
[data-tweaks-panel] { display: none; }
[data-tweaks-active] [data-tweaks-panel] { display: block; }

/* Form fields */
.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.field label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  background: white;
  font-family: inherit;
  font-size: 14px;
  color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--ink);
  box-shadow: 0 0 0 3px rgba(22,22,22,0.06);
}
.field.error input, .field.error select { border-color: var(--red); }
.field-msg {
  font-size: 11px;
  color: var(--red);
  margin-top: 2px;
  font-weight: 500;
}

/* =====================================================================
   POLISH LAYER — motion, focus, custom sliders, responsive
   ===================================================================== */

/* Motion tokens */
:root {
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --ease-out-back: cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* Smooth anchor-scroll */
html { scroll-behavior: smooth; }

/* Branded focus ring on every interactive element */
*:focus { outline: none; }
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[role="button"]:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--red);
  outline-offset: 3px;
  border-radius: 6px;
}
.field input:focus-visible,
.field select:focus-visible,
.field textarea:focus-visible {
  outline: none;
  border-color: var(--ink);
  box-shadow: 0 0 0 3px rgba(225, 29, 44, 0.18);
}

/* Refined button motion */
.btn {
  transition:
    background .2s var(--ease-out-quart),
    color .2s var(--ease-out-quart),
    border-color .2s var(--ease-out-quart),
    transform .14s var(--ease-out-quart),
    box-shadow .25s var(--ease-out-quart);
}
.btn-primary:hover {
  background: var(--red-deep);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px -10px rgba(225, 29, 44, 0.55);
}
.btn-primary:active { transform: translateY(0); transition-duration: .05s; }
.btn-ghost:hover { transform: translateY(-2px); }
.btn-light:hover { transform: translateY(-1px); box-shadow: var(--shadow-sm); }

/* Refined card motion */
.card {
  transition:
    border-color .3s var(--ease-out-quart),
    transform .35s var(--ease-out-expo),
    box-shadow .35s var(--ease-out-expo);
}
.card:hover {
  border-color: var(--ink);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

/* Icon chips — ignite on card hover (pointer); read as solid, premium on touch */
.chip-glyph {
  display: block;
  background-color: currentColor;
  -webkit-mask-image: var(--icon);
  mask-image: var(--icon);
  -webkit-mask-size: contain;
  mask-size: contain;
  -webkit-mask-position: center;
  mask-position: center;
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
}

.icon-chip {
  width: var(--chip, 48px);
  height: var(--chip, 48px);
  border-radius: var(--chip-r, 12px);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--red);
  background: linear-gradient(180deg, rgba(225,29,44,0.10) 0%, rgba(225,29,44,0.04) 100%);
  border: 1px solid rgba(225,29,44,0.18);
  transition:
    background .3s var(--ease-out-quart),
    color .3s var(--ease-out-quart),
    border-color .3s var(--ease-out-quart),
    transform .35s var(--ease-out-expo),
    box-shadow .35s var(--ease-out-expo);
}
.card:hover .icon-chip {
  background: linear-gradient(180deg, var(--red) 0%, var(--red-deep) 100%);
  border-color: var(--red);
  color: #fff;
  transform: translateY(-2px) scale(1.05);
  box-shadow: 0 10px 22px -10px rgba(225, 29, 44, 0.6);
}
/* Solid variant — the dark "Start my application" card */
.icon-chip--solid {
  background: linear-gradient(180deg, rgba(225,29,44,0.95) 0%, rgba(225,29,44,0.75) 100%);
  border-color: rgba(225,29,44,1);
  color: #fff;
}
.card:hover .icon-chip--solid {
  background: #fff;
  border-color: #fff;
  color: var(--red);
}

/* Card CTA — nudges forward on hover to signal "go" */
.card-cta {
  display: inline-flex;
  align-items: center;
  transition: transform .3s var(--ease-out-quart);
}
.card:hover .card-cta { transform: translateX(4px); }

/* Tactile press feedback on link cards (desktop click + mobile tap) */
a.card:active { transform: translateY(-2px) scale(0.99); transition-duration: .08s; }

/* FAQ — accordion rows should stay grounded, not lift like link cards */
details.card:hover { transform: none; box-shadow: none; border-color: var(--line); }
details.card > summary { transition: background .2s var(--ease-out-quart); }
details.card > summary:hover { background: var(--paper); }
details.card[open] > summary { background: var(--paper); }

/* Custom range sliders */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--red) 0%, var(--red) var(--val, 50%), var(--line) var(--val, 50%), var(--line) 100%);
  cursor: grab;
  outline: none;
  margin: 8px 0;
}
input[type="range"]:active { cursor: grabbing; }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--red);
  box-shadow: 0 1px 2px rgba(22,22,22,0.18), 0 3px 10px rgba(225, 29, 44, 0.35);
  cursor: grab;
  transition: transform .15s var(--ease-out-back), box-shadow .2s var(--ease-out-quart);
  margin-top: -8px; /* center thumb on track */
}
input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 2px 4px rgba(22,22,22,0.22), 0 6px 16px rgba(225, 29, 44, 0.5);
}
input[type="range"]:active::-webkit-slider-thumb {
  transform: scale(1.1);
  background: var(--red);
  border-color: white;
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--red);
  box-shadow: 0 1px 2px rgba(22,22,22,0.18), 0 3px 10px rgba(225, 29, 44, 0.35);
  cursor: grab;
}
input[type="range"]:focus-visible {
  outline: none;
}
input[type="range"]:focus-visible::-webkit-slider-thumb {
  box-shadow: 0 0 0 4px rgba(225, 29, 44, 0.25), 0 3px 10px rgba(225, 29, 44, 0.35);
}

/* Subtle gradient on big red numerals */
.stat-num {
  background: linear-gradient(180deg, #F03645 0%, var(--red) 60%, var(--red-deep) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  display: inline-block;
}

/* Marquee — pause on hover */
.marquee:hover .marquee-track,
.marquee:focus-within .marquee-track {
  animation-play-state: paused;
}

/* Reduced-motion respect */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .marquee-track { animation: none !important; transform: none !important; }
}

/* =====================================================================
   RESPONSIVE
   ===================================================================== */

/* Tablet — ≤ 1024px */
@media (max-width: 1024px) {
  section { padding: 72px 0; }
  .section-head { margin-bottom: 36px; }
  .section-head h2 { font-size: clamp(36px, 5vw, 48px); }
}

/* Mobile — ≤ 768px */
@media (max-width: 768px) {
  body { font-size: 15px; }
  section { padding: 56px 0; }
  .container { padding: 0 20px; }
  .section-head {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 28px;
  }
  .section-head h2 { font-size: clamp(32px, 8vw, 42px); margin-top: 4px; }
  .section-head p { max-width: 100%; }

  /* Nav: smaller padding, hide subtitle */
  .nav-inner { padding: 12px 20px; gap: 10px; }
  .nav-logo span { font-size: 18px; }
  .nav-logo .nav-subtitle { display: none; }
  /* Guarantee a comfortable touch target for the primary nav action */
  .nav-cta .btn { min-height: 44px; }

  /* Universal mobile-stack helper */
  [data-stack="mobile"] {
    grid-template-columns: 1fr !important;
    gap: 28px !important;
  }
  [data-stack="mobile-2"] {
    grid-template-columns: 1fr 1fr !important;
    gap: 16px !important;
  }

  /* Process: hide horizontal connector */
  [data-process-line] { display: none !important; }

  /* Hero typography */
  [data-screen-label="Teddy / Hero"] h1 {
    font-size: clamp(40px, 11vw, 64px) !important;
    line-height: 1.05 !important;
  }
  [data-screen-label="Teddy / Hero"] [data-hero-bio] {
    font-size: 17px !important;
    margin-top: 12px !important;
  }

  /* Face-forward first paint: compress rhythm so the portrait's top edge
     bleeds into the first viewport; type stays dominant, one CTA above it */
  .hero-rings { display: none; }
  [data-screen-label="Teddy / Hero"] {
    padding-top: 24px !important;
    padding-bottom: 48px !important;
  }
  [data-screen-label="Teddy / Hero"] [data-stack] { gap: 16px !important; }
  [data-screen-label="Teddy / Hero"] .hero-ctas { margin-top: 16px !important; }
  [data-screen-label="Teddy / Hero"] .hero-ctas .btn-ghost { display: none; }
  [data-screen-label="Teddy / Hero"] .hero-ctas .btn-primary {
    width: 100%;
    justify-content: center;
  }
  [data-screen-label="Teddy / Hero"] .hero-chips { display: none !important; }

  /* Reviews widget — single column */
  [data-reviews-grid] { grid-template-columns: 1fr !important; }

  /* Marquee slightly faster on mobile */
  .marquee-track { animation-duration: 28s; }
  .marquee { font-size: 11px; }

  /* Footer: tighter padding */
  .footer { padding: 56px 0 0; margin-top: 80px; }
  .footer-mega { font-size: clamp(80px, 24vw, 200px); margin: 32px 0 -24px; }
}

/* Tiny screens — ≤ 480px */
@media (max-width: 480px) {
  .nav-cta a:not(.btn-primary) { display: none; }
  .btn-lg { padding: 14px 22px; font-size: 14px; }
  section { padding: 44px 0; }
  .section-head h2 { font-size: 30px; }
}

/* =====================================================================
   SCROLL REVEAL — opt-in via [data-reveal]; observer toggles .is-visible
   ===================================================================== */
/* Entrance is driven by a keyframe animation (not a transition) so that no
   lingering transform is held afterwards — leaving :hover lifts free to work. */
[data-reveal] { opacity: 0; }
[data-reveal].is-visible {
  opacity: 1;
  animation: revealUp .7s var(--ease-out-expo) backwards;
}
[data-reveal-delay="1"].is-visible { animation-delay: .07s; }
[data-reveal-delay="2"].is-visible { animation-delay: .14s; }
[data-reveal-delay="3"].is-visible { animation-delay: .21s; }
[data-reveal-delay="4"].is-visible { animation-delay: .28s; }
@keyframes revealUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1 !important; animation: none !important; }
}

/* =====================================================================
   ANCHOR FLASH — momentary highlight when target arrives via #fragment
   ===================================================================== */
@keyframes anchorFlash {
  0%   { box-shadow: 0 0 0 0 rgba(225, 29, 44, 0); }
  20%  { box-shadow: 0 0 0 4px rgba(225, 29, 44, 0.32), 0 12px 28px -8px rgba(225, 29, 44, 0.22); }
  100% { box-shadow: 0 0 0 0 rgba(225, 29, 44, 0); }
}
:target {
  scroll-margin-top: 80px;
}
.anchor-flash {
  animation: anchorFlash 1.4s var(--ease-out-quart);
  border-radius: var(--r-lg);
}

@media (prefers-reduced-motion: reduce) {
  .anchor-flash { animation: none !important; }
}

/* =====================================================================
   PRINT — clean contact card, hide nav/form/decorative
   ===================================================================== */
@media print {
  body { background: white; color: black; font-size: 11pt; }
  nav.nav, .marquee, .footer-mega,
  [data-screen-label="Teddy / Quick links"],
  [data-screen-label="Teddy / Calculator"],
  [data-screen-label="Teddy / Process"],
  form,
  .nav-cta { display: none !important; }
  section { padding: 16pt 0; page-break-inside: avoid; }
  [data-screen-label="Teddy / Hero"] h1 { font-size: 24pt; }
  .footer { background: white; color: black; padding: 16pt 0 0; margin-top: 24pt; }
  .footer * { color: black !important; }
  a { color: black; text-decoration: none; }
  .stat-num { color: var(--red) !important; -webkit-text-fill-color: var(--red) !important; background: none !important; }
  .card { box-shadow: none !important; border-color: #ccc !important; }
  .mobile-dock, .scroll-progress, body::after { display: none !important; }
}

/* =====================================================================
   PREMIUM LAYER — texture, depth, micro-interactions, mobile dock
   ===================================================================== */

:root { color-scheme: light; }

::selection { background: var(--red); color: #fff; }

/* Balanced headlines, tidy paragraph rag (progressive) */
h1, h2, h3 { text-wrap: balance; }
p { text-wrap: pretty; }

/* Paper grain — quiet editorial texture on a fixed, non-interactive layer */
body::after {
  content: "";
  position: fixed;
  inset: 0;
  z-index: 2000;
  pointer-events: none;
  opacity: 0.03;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* Primary button — glossed gradient with inner bevel */
.btn-primary {
  background: linear-gradient(180deg, #F5424F 0%, var(--red) 52%, #C4111E 100%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.22),
    inset 0 -1px 0 rgba(0, 0, 0, 0.14),
    0 1px 2px rgba(184, 18, 31, 0.28);
}
.btn-primary:hover {
  background: linear-gradient(180deg, #E93844 0%, var(--red-deep) 60%, #A50F1B 100%);
  transform: translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.18),
    0 10px 24px -10px rgba(225, 29, 44, 0.55),
    0 2px 4px rgba(184, 18, 31, 0.25);
}

/* Card top-accent — red rule sweeps in on hover/focus */
.card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--red) 0%, #F5424F 100%);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.5s var(--ease-out-expo);
}
.card:hover::before,
a.card:focus-visible::before { transform: scaleX(1); }
details.card::before { display: none; }
a.card:focus-visible { border-radius: var(--r-lg); outline-offset: 4px; }

/* FAQ — buttery native accordion where supported (Chromium 129+) */
@supports (interpolate-size: allow-keywords) {
  :root { interpolate-size: allow-keywords; }
  details.card::details-content {
    block-size: 0;
    overflow-y: clip;
    transition:
      block-size 0.38s var(--ease-out-quart),
      content-visibility 0.38s allow-discrete;
  }
  details.card[open]::details-content { block-size: auto; }
}

/* Hero "By the numbers" card — inner highlight + red bloom */
.stat-card {
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.07),
    0 24px 48px -24px rgba(22, 22, 22, 0.5);
  background-image: radial-gradient(120% 100% at 100% 0%, rgba(225, 29, 44, 0.14) 0%, rgba(22, 22, 22, 0) 55%) !important;
}

/* Photo micro-zoom — desktop pointers only */
@media (hover: hover) and (pointer: fine) {
  [data-screen-label="Teddy / Hero"] img,
  [data-screen-label="Teddy / Guidance"] figure img,
  [data-screen-label="Teddy / In the office"] [data-stack] img {
    transition: transform 1.4s var(--ease-out-expo);
  }
  [data-screen-label="Teddy / Hero"] img:hover,
  [data-screen-label="Teddy / Guidance"] figure:hover img,
  [data-screen-label="Teddy / In the office"] [data-stack]:hover img {
    transform: scale(1.035);
  }
}

/* Footer — social + brand hover states (override inline base styles) */
.footer a[aria-label="LinkedIn"]:hover,
.footer a[aria-label="Facebook"]:hover {
  background: #fff !important;
  border-color: #fff !important;
  color: var(--ink) !important;
  transform: translateY(-2px);
}
.footer a[aria-label="Movement Mortgage"]:hover {
  opacity: 1 !important;
  transform: translateY(-2px);
}

/* Reading progress — thin bar riding the sticky nav's bottom edge */
.scroll-progress {
  position: absolute;
  left: 0;
  bottom: -1px;
  width: 100%;
  height: 2px;
  background: linear-gradient(90deg, var(--red-deep), var(--red) 60%, #F5424F);
  transform: scaleX(0);
  transform-origin: left;
  z-index: 5;
  pointer-events: none;
}
.nav.scrolled { box-shadow: 0 8px 24px -16px rgba(22, 22, 22, 0.25); }

/* Hero rings — gentle scroll parallax where scroll timelines exist */
@supports (animation-timeline: scroll()) {
  .hero-rings {
    animation: ringsDrift linear both;
    animation-timeline: scroll(root);
    animation-range: 0 120vh;
  }
  @keyframes ringsDrift {
    to { transform: translate3d(0, -110px, 0); }
  }
}
/* Hero entrance — one-shot on load: copy lands, portrait unveils, stats follow */
@keyframes heroUnveil {
  from { clip-path: inset(0 0 100% 0); }
  to   { clip-path: inset(0 0 0 0); }
}
html.js .hero-copy { animation: revealUp .5s var(--ease-out-expo) both; }
html.js .hero-photo { animation: heroUnveil .8s cubic-bezier(0.77, 0, 0.175, 1) .35s both; }
html.js [data-screen-label="Teddy / Hero"] .stat-card { animation: revealUp .6s var(--ease-out-expo) .8s both; }

@media (prefers-reduced-motion: reduce) {
  .hero-rings { animation: none !important; }
  html.js .hero-copy,
  html.js .hero-photo,
  html.js [data-screen-label="Teddy / Hero"] .stat-card { animation: none !important; }
}

/* Mobile dock — persistent Call / Apply actions on phones */
.mobile-dock {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 140;
  display: none;
  gap: 10px;
  padding: 10px 16px calc(10px + env(safe-area-inset-bottom, 0px));
  background: rgba(22, 22, 22, 0.88);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  backdrop-filter: saturate(140%) blur(14px);
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 -12px 32px -12px rgba(22, 22, 22, 0.4);
}
.mobile-dock .btn {
  flex: 1;
  justify-content: center;
  min-height: 48px;
}
.dock-call {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.4);
}
.dock-call:hover, .dock-call:active { background: rgba(255, 255, 255, 0.12); }
/* With JS: dock stays tucked away until the reader clears the hero */
.js .mobile-dock {
  transform: translateY(110%);
  transition: transform 0.5s var(--ease-out-expo);
}
.js .mobile-dock.is-shown { transform: translateY(0); }

@media (max-width: 768px) {
  .mobile-dock { display: flex; }
}

/* Mobile hero CTAs — stretch to an even, composed row */
@media (max-width: 480px) {
  [data-screen-label="Teddy / Hero"] .btn-lg {
    flex: 1 1 auto;
    justify-content: center;
  }
}

/* ============================================
   Interior pages (partials/page-template.html)
   ============================================ */

.nav-links {
  display: flex;
  gap: 22px;
  font-size: 13.5px;
  font-weight: 500;
  letter-spacing: 0.01em;
}

.nav-links a {
  color: var(--ink);
  text-decoration: none;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.18s ease, border-color 0.18s ease;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--red);
  border-bottom-color: var(--red);
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 18px 0 0;
  font-size: 12px;
  color: var(--muted);
  font-family: "JetBrains Mono", monospace;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.breadcrumbs a {
  color: inherit;
  text-decoration: none;
}

.breadcrumbs a:hover {
  color: var(--red);
}

.page-hero {
  padding: 44px 0 36px;
  border-bottom: 1px solid var(--line);
}

.page-kicker {
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--red);
  margin: 0 0 14px;
}

.page-hero h1 {
  font-family: Anton, sans-serif;
  font-size: clamp(38px, 6vw, 64px);
  line-height: 1.04;
  letter-spacing: 0.005em;
  margin: 0 0 18px;
  text-transform: uppercase;
  max-width: 15ch;
}

.page-lede {
  font-size: 18px;
  line-height: 1.6;
  color: var(--muted);
  max-width: 62ch;
  margin: 0 0 14px;
}

.byline {
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0;
}

.prose {
  padding: 44px 0;
  border-bottom: 1px solid var(--line);
}

.prose .container > * {
  max-width: 72ch;
}

.prose h2 {
  font-family: Anton, sans-serif;
  font-size: clamp(24px, 3.4vw, 34px);
  line-height: 1.12;
  letter-spacing: 0.005em;
  text-transform: uppercase;
  margin: 0 0 16px;
}

.prose h3 {
  font-size: 18px;
  font-weight: 700;
  margin: 28px 0 10px;
}

.prose p,
.prose li {
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink-soft, #3b444b);
  margin: 0 0 16px;
}

.prose ul,
.prose ol {
  padding-left: 22px;
  margin: 0 0 16px;
}

.prose a {
  color: var(--red-deep);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.prose .answer-first {
  font-size: 17px;
  font-weight: 500;
  color: var(--ink);
}

.source-note {
  font-size: 13px;
  color: var(--muted);
  border-left: 3px solid var(--line);
  padding-left: 14px;
}

.quote-pull {
  background: white;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px 24px;
  margin: 26px 0;
}

.quote-pull blockquote {
  margin: 0 0 10px;
  font-size: 16px;
  line-height: 1.65;
}

.quote-pull cite {
  font-style: normal;
  font-size: 12.5px;
  color: var(--muted);
  font-family: "JetBrains Mono", monospace;
}

.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 22px 0;
  max-width: 72ch;
}

.faq-item h3 {
  font-size: 17px;
  font-weight: 700;
  margin: 0 0 10px;
}

.faq-item p {
  font-size: 15.5px;
  line-height: 1.7;
  color: var(--ink-soft, #3b444b);
  margin: 0 0 10px;
}

.cta-band {
  background: var(--ink);
  color: white;
  padding: 56px 0;
}

.cta-band h2 {
  font-family: Anton, sans-serif;
  font-size: clamp(28px, 4vw, 44px);
  text-transform: uppercase;
  letter-spacing: 0.005em;
  margin: 0 0 12px;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 16px;
  max-width: 56ch;
  margin: 0 0 24px;
}

.cta-band-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.cta-band .btn-ghost {
  color: white;
  border-color: rgba(255, 255, 255, 0.35);
}

.cta-band .btn-ghost:hover {
  border-color: white;
}

.site-footer {
  background: var(--ink);
  color: white;
  padding: 56px 0 40px;
}

.site-footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  padding-bottom: 32px;
}

.site-footer-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
  align-content: start;
}

.site-footer-links a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-size: 13.5px;
  transition: color 0.18s ease;
}

.site-footer-links a:hover {
  color: white;
}

.site-footer-legal-links {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  padding: 24px 0;
  font-size: 12px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.site-footer-legal-links a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
}

.site-footer-legal-links a:hover {
  color: white;
}

.site-footer-compliance {
  padding: 24px 0;
  font-size: 11px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.5);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.site-footer-bottom {
  padding-top: 28px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  justify-content: space-between;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
}

@media (max-width: 900px) {
  .nav-links {
    display: none;
  }
}

@media (max-width: 700px) {
  .site-footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .page-hero h1 {
    max-width: none;
  }
}


:root {
  --v3-ink: #151918;
  --v3-ink-soft: #232927;
  --v3-paper: #f2efe8;
  --v3-paper-deep: #e5e0d6;
  --v3-white: #fffdf8;
  --v3-red: #d32435;
  --v3-sage: #a8b0a3;
  --v3-line: rgba(21, 25, 24, 0.16);
  --v3-serif: "Bodoni Moda", "Times New Roman", serif;
  --v3-sans: "Rethink Sans", sans-serif;
  --v3-mono: "IBM Plex Mono", monospace;
  --v3-ease: cubic-bezier(.22, 1, .36, 1);
}

html {
  scroll-behavior: smooth;
}

body.v3-skin {
  color: var(--v3-ink);
  background:
    radial-gradient(circle at 82% 4%, rgba(168, 176, 163, .2), transparent 30rem),
    var(--v3-paper);
  font-family: var(--v3-sans);
  font-weight: 400;
}

/* Homepage opening film: quiet line drawing, then Spokane River through basalt and pine. */
.v3-film-intro {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: grid;
  place-items: center;
  overflow: hidden;
  color: var(--v3-white);
  background: #070a09;
  animation: v3-film-in .7s var(--v3-ease) both;
}

.v3-film-intro--leave {
  pointer-events: none;
  animation: v3-film-leave 1.15s cubic-bezier(.76, 0, .24, 1) forwards;
}

.v3-film-intro__landscape {
  position: absolute;
  z-index: 0;
  inset: 0;
  opacity: 0;
  background:
    linear-gradient(180deg, rgba(3, 8, 7, .76) 0%, rgba(3, 7, 6, .5) 47%, rgba(3, 5, 5, .85) 100%),
    linear-gradient(90deg, rgba(3, 7, 6, .44) 0%, transparent 58%, rgba(3, 7, 6, .16) 100%),
    url("/v3/media/spokane-river.webp") center 46% / cover no-repeat;
  box-shadow: inset 0 0 22vw rgba(0, 0, 0, .62);
  filter: saturate(.68) contrast(1.06);
  transform: scale(1.055);
  animation: v3-landscape-emerge 1.5s 1.65s var(--v3-ease) forwards;
}

.v3-film-intro__grain {
  position: absolute;
  z-index: 1;
  inset: 0;
  opacity: .025;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 160 160' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='x'%3E%3CfeTurbulence baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23x)'/%3E%3C/svg%3E");
  background-size: 220px 220px;
  mix-blend-mode: soft-light;
  pointer-events: none;
}

.v3-film-intro__home {
  position: relative;
  z-index: 2;
  width: min(44vw, 420px);
  stroke: rgba(255, 255, 255, .42);
  stroke-width: 1.2;
  filter: drop-shadow(0 2px 14px rgba(0, 0, 0, .42));
}

.v3-film-intro__home path {
  stroke-dasharray: 1;
  stroke-dashoffset: 1;
  animation: v3-draw-home 2.25s .25s cubic-bezier(.65, 0, .35, 1) forwards;
}

.v3-film-intro__copy {
  position: absolute;
  z-index: 3;
  left: clamp(24px, 7vw, 110px);
  bottom: clamp(38px, 8vh, 90px);
  display: grid;
  gap: 4px;
  overflow: hidden;
}

.v3-film-intro__copy span {
  color: rgba(255, 255, 255, .58);
  font: 500 10px/1.3 var(--v3-mono);
  letter-spacing: .22em;
  text-transform: uppercase;
  animation: v3-title-rise .8s 1.05s var(--v3-ease) both;
}

.v3-film-intro__copy strong {
  font: 400 clamp(48px, 8vw, 116px)/.88 "Anton", var(--v3-sans);
  letter-spacing: -.02em;
  text-transform: uppercase;
  animation: v3-title-rise 1s 1.28s var(--v3-ease) both;
}

@keyframes v3-draw-home {
  to { stroke-dashoffset: 0; }
}

@keyframes v3-title-rise {
  from { opacity: 0; transform: translateY(110%); }
  to { opacity: 1; transform: none; }
}

@keyframes v3-film-in {
  from { opacity: 0; }
}

@keyframes v3-film-leave {
  to { opacity: 0; transform: scale(1.06); filter: blur(10px); }
}

@keyframes v3-landscape-emerge {
  from { opacity: 0; transform: scale(1.055); }
  to { opacity: .62; transform: scale(1.015); }
}

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

body.v3-skin::before {
  position: fixed;
  inset: 0;
  z-index: 900;
  opacity: .045;
  pointer-events: none;
  content: "";
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.92' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.75'/%3E%3C/svg%3E");
}

.v3-skin .display,
.v3-skin h1,
.v3-skin h2,
.v3-skin h3,
.v3-skin h4 {
  font-family: var(--v3-serif);
  font-weight: 400;
  letter-spacing: -.045em;
  text-transform: none;
  text-wrap: balance;
}

.v3-skin .mono,
.v3-skin .eyebrow,
.v3-skin .page-kicker,
.v3-skin .byline {
  font-family: var(--v3-mono);
  font-weight: 400;
  letter-spacing: .13em;
}

.v3-skin .marquee {
  display: none;
}

.v3-skin .nav {
  top: 0;
  z-index: 120;
  color: var(--v3-white);
  border-bottom: 1px solid rgba(255, 255, 255, .12);
  background: rgba(21, 25, 24, .94);
  backdrop-filter: blur(18px) saturate(115%);
}

.v3-skin .nav.scrolled {
  color: var(--v3-white);
  border-bottom-color: rgba(255, 255, 255, .16);
  background: rgba(21, 25, 24, .97);
}

.v3-skin .nav-inner {
  max-width: 1500px;
  min-height: 76px;
  padding: 14px clamp(22px, 4vw, 64px);
}

.v3-skin .nav-logo,
.v3-skin .nav-logo[style] {
  color: var(--v3-white) !important;
}

.v3-skin .nav-logo span:first-child {
  font-family: var(--v3-sans) !important;
  font-size: 15px !important;
  font-weight: 600;
  letter-spacing: .14em !important;
}

.v3-skin .nav-subtitle,
.v3-skin .nav-subtitle[style] {
  color: rgba(255, 255, 255, .5) !important;
  font-size: 9px !important;
  letter-spacing: .12em;
}

.v3-skin .nav-links {
  align-items: center;
  justify-content: center;
  gap: clamp(18px, 2.4vw, 38px);
}

.v3-skin .nav-links a {
  position: relative;
  color: rgba(255, 255, 255, .74);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .06em;
}

.v3-skin .nav-links a::after {
  position: absolute;
  right: 0;
  bottom: -8px;
  left: 0;
  height: 1px;
  content: "";
  background: var(--v3-white);
  transform: scaleX(0);
  transition: transform .35s var(--v3-ease);
}

.v3-skin .nav-links a:hover::after,
.v3-skin .nav-links a[aria-current="page"]::after {
  transform: scaleX(1);
}

.v3-skin .nav .btn {
  color: var(--v3-white);
  border-color: rgba(255, 255, 255, .65);
  border-radius: 0;
  background: transparent;
}

.v3-skin .nav .btn-primary {
  color: var(--v3-white);
  border-color: var(--v3-red);
  background: var(--v3-red);
}

.v3-skin .btn {
  border-radius: 0;
  font-family: var(--v3-sans);
  letter-spacing: .025em;
  transition:
    transform .35s var(--v3-ease),
    background-color .35s var(--v3-ease),
    border-color .35s var(--v3-ease),
    color .35s var(--v3-ease);
}

.v3-skin .btn:hover {
  transform: translateY(-3px);
}

.v3-skin .btn:active {
  transform: translateY(0);
}

.v3-skin .btn:focus-visible,
.v3-skin a:focus-visible,
.v3-skin button:focus-visible {
  outline: 2px solid #fff;
  outline-offset: 4px;
}

.v3-menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  padding: 12px;
  border: 1px solid rgba(255, 255, 255, .25);
  color: white;
}

.v3-menu-toggle > span:not(.sr-only) {
  display: block;
  width: 100%;
  height: 1px;
  margin: 5px 0;
  background: currentColor;
  transition: transform .3s var(--v3-ease), opacity .2s ease;
}

.v3-menu {
  position: fixed;
  inset: 76px 0 0;
  z-index: 110;
  visibility: hidden;
  color: var(--v3-white);
  background: rgba(21, 25, 24, .985);
  opacity: 0;
  transform: translateY(-20px);
  transition: opacity .35s ease, transform .45s var(--v3-ease), visibility 0s .45s;
}

.v3-menu-open .v3-menu {
  visibility: visible;
  opacity: 1;
  transform: translateY(0);
  transition-delay: 0s;
}

.v3-menu__inner {
  display: grid;
  max-width: 1100px;
  min-height: calc(100dvh - 76px);
  margin: 0 auto;
  padding: clamp(44px, 8vw, 110px) clamp(24px, 7vw, 90px);
  grid-template-columns: minmax(0, 1fr) minmax(220px, .4fr);
  align-content: center;
  gap: 50px;
}

.v3-menu__label {
  grid-column: 1 / -1;
  margin: 0;
  color: rgba(255, 255, 255, .5);
  font: 11px/1 var(--v3-mono);
  letter-spacing: .16em;
  text-transform: uppercase;
}

.v3-menu nav {
  display: grid;
}

.v3-menu nav a {
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
  font: 400 clamp(34px, 4.5vw, 68px)/1.05 var(--v3-serif);
  letter-spacing: -.04em;
}

.v3-menu__contact {
  display: flex;
  flex-direction: column;
  align-self: end;
  gap: 10px;
  color: rgba(255, 255, 255, .65);
  font-size: 14px;
}

/* Homepage hero */
.v3-skin [data-screen-label="Teddy / Hero"] {
  min-height: calc(100dvh - 76px);
  padding: 0 !important;
  color: var(--v3-white);
  background: var(--v3-ink);
}

.v3-skin [data-screen-label="Teddy / Hero"] > .container {
  max-width: none;
  padding: 0;
}

.v3-skin [data-screen-label="Teddy / Hero"] > .container > [data-stack="mobile"] {
  display: grid !important;
  min-height: calc(100dvh - 76px);
  align-items: stretch !important;
  grid-template-columns: minmax(0, 1.02fr) minmax(500px, .98fr) !important;
  gap: 0 !important;
}

.v3-skin .hero-rings {
  display: none;
}

.v3-skin .hero-copy {
  position: relative;
  z-index: 2;
  display: flex;
  padding: clamp(56px, 6vw, 92px) clamp(36px, 4.3vw, 70px) clamp(62px, 6vw, 96px);
  flex-direction: column;
  justify-content: center;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, .035), transparent 38%),
    var(--v3-ink);
}

.v3-skin .hero-copy::after {
  position: absolute;
  right: 7vw;
  bottom: 34px;
  left: 7vw;
  height: 1px;
  content: "";
  background: rgba(255, 255, 255, .15);
}

.v3-skin .hero-copy .mono:first-child,
.v3-skin .hero-copy .mono:first-child[style] {
  color: rgba(255, 255, 255, .62) !important;
}

.v3-skin .hero-copy h1,
.v3-skin .hero-copy h1[style] {
  max-width: 720px;
  color: var(--v3-white);
  font-size: clamp(58px, 5.2vw, 82px) !important;
  line-height: .92 !important;
  letter-spacing: -.06em !important;
}

.v3-skin .hero-copy h1 span,
.v3-skin .hero-copy h1 span[style] {
  color: #ff5665 !important;
  font-style: italic;
}

.v3-skin [data-hero-bio],
.v3-skin [data-hero-bio][style] {
  max-width: 48ch !important;
  color: rgba(255, 255, 255, .78) !important;
  font-size: clamp(17px, 1.35vw, 21px) !important;
  line-height: 1.58 !important;
}

.v3-skin .hero-copy > .mono[style] {
  color: rgba(255, 255, 255, .48) !important;
}

.v3-skin .hero-ctas .btn-ghost {
  color: var(--v3-white);
  border-color: rgba(255, 255, 255, .55);
}

.v3-skin .hero-chips span[style] {
  color: rgba(255, 255, 255, .66) !important;
  border-color: rgba(255, 255, 255, .2) !important;
  border-radius: 0 !important;
  background: transparent !important;
  font-family: var(--v3-mono) !important;
}

.v3-skin .hero-chips {
  display: none !important;
}

.v3-skin .hero-copy + div {
  position: relative;
  min-height: calc(100dvh - 76px);
  gap: 0 !important;
  background: #2b312e;
}

.v3-skin .hero-photo,
.v3-skin .hero-photo[style] {
  width: 100%;
  height: 100%;
  min-height: calc(100dvh - 76px);
  border-radius: 0 !important;
  box-shadow: none !important;
  clip-path: none !important;
}

.v3-skin .hero-photo::after {
  position: absolute;
  inset: 0;
  z-index: 3;
  content: "";
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(21, 25, 24, .32), transparent 28%),
    linear-gradient(0deg, rgba(21, 25, 24, .42), transparent 42%);
}

.v3-skin .hero-photo > img,
.v3-skin .v3-hero-video {
  position: absolute;
  inset: 0;
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  object-position: center 34% !important;
}

.v3-skin .v3-hero-video {
  z-index: 2;
  opacity: 0;
  filter: saturate(.84) contrast(1.03);
  transition: opacity 1s ease;
}

.v3-skin .v3-hero-video.is-ready {
  opacity: 1;
}

.v3-skin .stat-card,
.v3-skin .stat-card[style] {
  position: absolute;
  right: clamp(18px, 3vw, 42px);
  bottom: clamp(18px, 3vw, 42px);
  left: clamp(18px, 3vw, 42px);
  z-index: 4;
  padding: 20px 24px !important;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 0 !important;
  background: rgba(21, 25, 24, .68) !important;
  backdrop-filter: blur(14px);
}

.v3-skin .stat-card > div:last-child {
  grid-template-columns: repeat(4, 1fr) !important;
  gap: 14px !important;
}

.v3-skin .stat-num,
.v3-skin .stat-num[style] {
  font-family: var(--v3-serif) !important;
  font-size: clamp(28px, 2.3vw, 40px) !important;
  letter-spacing: -.04em;
}

/* Homepage editorial system */
.v3-skin main > section:not([data-screen-label="Teddy / Hero"]) {
  border-top: 1px solid var(--v3-line);
}

.v3-skin main > section:not([data-screen-label="Teddy / Hero"])[style*="background"] {
  background: var(--v3-paper-deep) !important;
}

body.v3-skin main > section.v3-process,
body.v3-skin main > section.v3-process[style] {
  color: var(--v3-white) !important;
  background:
    radial-gradient(70% 90% at 52% -15%, rgba(225, 29, 44, .22), transparent 62%),
    linear-gradient(135deg, #151918 0%, #1d2220 52%, #101312 100%) !important;
}

.v3-skin .v3-process .section-head {
  border-color: rgba(255, 255, 255, .2) !important;
}

.v3-skin .v3-process .section-head h2,
.v3-skin .v3-process .section-head h2[style],
.v3-skin .v3-process h4,
.v3-skin .v3-process h4[style] {
  color: var(--v3-white) !important;
}

.v3-skin .v3-process .eyebrow,
.v3-skin .v3-process .eyebrow[style] {
  color: rgba(255, 255, 255, .58) !important;
}

.v3-skin .v3-process .section-head > p,
.v3-skin .v3-process .section-head > p[style] {
  color: rgba(255, 255, 255, .82) !important;
}

.v3-skin .v3-process ol > li:not([aria-hidden="true"]) {
  min-width: 0;
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, .2);
}

.v3-skin .v3-process ol > li:not([aria-hidden="true"]) > p,
.v3-skin .v3-process ol > li:not([aria-hidden="true"]) > p[style] {
  max-width: 30ch;
  color: rgba(255, 255, 255, .76) !important;
  font-size: 15px !important;
  line-height: 1.7 !important;
}

.v3-skin .v3-process [data-process-line] {
  display: none;
}

.v3-skin .v3-process .mono {
  color: rgba(255, 255, 255, .66) !important;
}

.v3-skin .container {
  max-width: 1280px;
}

.v3-skin .section-head {
  align-items: start;
  padding-bottom: 28px;
  border-bottom-color: var(--v3-line);
  gap: clamp(32px, 7vw, 100px);
}

.v3-skin .section-head h2,
.v3-skin .section-head h2[style] {
  font-size: clamp(48px, 6vw, 88px) !important;
  line-height: .95;
}

.v3-skin .section-head > p {
  max-width: 42ch;
  padding-top: 12px;
  color: rgba(21, 25, 24, .68);
  font-size: 16px;
  line-height: 1.7;
}

.v3-skin .eyebrow {
  color: var(--v3-red);
}

.v3-skin .ix-list {
  border-top-color: var(--v3-line);
}

.v3-skin .ix-row,
.v3-skin .ix-half,
.v3-skin .ix-channel {
  border-color: var(--v3-line);
  border-radius: 0;
}

.v3-skin .ix-row {
  transition: color .35s ease, background-color .35s ease, padding .35s var(--v3-ease);
}

.v3-skin .ix-row:hover {
  color: var(--v3-white);
  background: var(--v3-ink);
}

.v3-skin .ix-row:hover .ix-desc,
.v3-skin .ix-row:hover .ix-num,
.v3-skin .ix-row:hover .ix-mark,
.v3-skin .ix-row:hover .ix-cta {
  color: rgba(255, 255, 255, .7);
}

.v3-skin .ix-name,
.v3-skin .ix-title,
.v3-skin .ix-half h3,
.v3-skin .ix-channel h3 {
  font-family: var(--v3-serif);
  font-weight: 400;
  letter-spacing: -.035em;
  text-transform: none;
}

.v3-skin .ix-programs .ix-row--featured {
  color: white;
  background: var(--v3-ink-soft);
}

.v3-skin .faq-item,
.v3-skin details {
  border-color: var(--v3-line);
}

.v3-skin .footer,
.v3-skin .site-footer {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 88% 8%, rgba(168, 176, 163, .14), transparent 30rem),
    var(--v3-ink);
}

.v3-skin .footer::before,
.v3-skin .site-footer::before {
  position: absolute;
  inset: 0;
  opacity: .09;
  content: "";
  pointer-events: none;
  background: linear-gradient(120deg, transparent 0 48%, rgba(255, 255, 255, .2) 48.1% 48.2%, transparent 48.3%);
}

/* Interior pages */
.v3-skin main > .container:first-child {
  position: absolute;
  top: 76px;
  right: 0;
  left: 0;
  z-index: 5;
  width: 100%;
}

.v3-skin .breadcrumbs {
  margin-top: 0;
  padding: 24px 0;
}

.v3-skin .breadcrumbs a,
.v3-skin .breadcrumbs span {
  color: rgba(255, 255, 255, .66);
}

.v3-skin .page-hero {
  position: relative;
  display: flex;
  min-height: min(72dvh, 760px);
  padding: clamp(170px, 19vw, 290px) 0 clamp(64px, 8vw, 110px);
  align-items: flex-end;
  overflow: hidden;
  isolation: isolate;
  color: var(--v3-white);
  background: var(--v3-ink);
}

.v3-skin .page-hero::before {
  position: absolute;
  inset: -4%;
  z-index: -3;
  content: "";
  background-image: var(--v3-page-image, url("/assets/movement-building.jpeg"));
  background-position: center;
  background-size: cover;
  filter: saturate(.72) contrast(1.06);
  animation: v3-drift 18s ease-in-out alternate infinite;
}

.v3-skin .page-hero::after {
  position: absolute;
  inset: 0;
  z-index: -1;
  content: "";
  background:
    linear-gradient(90deg, rgba(12, 16, 15, .82), rgba(12, 16, 15, .22) 75%),
    linear-gradient(0deg, rgba(12, 16, 15, .58), transparent 55%);
}

html[data-v3-page="about"] { --v3-page-image: url("/assets/teddy-desk-3.jpeg"); }
html[data-v3-page="reviews"] { --v3-page-image: url("/v3/media/posters/community.webp"); }
html[data-v3-page="faq"],
html[data-v3-page="homebuyer-education-spokane"],
html[data-v3-page="refinance-spokane"] { --v3-page-image: url("/v3/media/posters/guidance.webp"); }
html[data-v3-page="first-time-home-buyer-spokane"],
html[data-v3-page="down-payment-assistance-washington"],
html[data-v3-page="va-loans-spokane"],
html[data-v3-page="fha-loans-spokane"],
html[data-v3-page="conventional-loans-spokane"] { --v3-page-image: url("/v3/media/posters/home.webp"); }
html[data-v3-page="usda-loans-spokane"],
html[data-v3-page="service-areas"] { --v3-page-image: url("/v3/media/posters/community.webp"); }
html[data-v3-page="jumbo-loans-spokane"],
html[data-v3-page="investment-property-loans-spokane"] { --v3-page-image: url("/v3/media/posters/architecture.webp"); }

.v3-page-video {
  position: absolute;
  inset: 0;
  z-index: -2;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: 0;
  filter: saturate(.72) contrast(1.06);
  transition: opacity 1s ease;
}

html[data-v3-page="about"] .v3-page-video {
  object-position: center 20%;
}

.v3-page-video.is-ready {
  opacity: 1;
}

.v3-skin .page-hero .container {
  width: 100%;
}

.v3-skin .page-hero h1 {
  max-width: 960px;
  margin: 14px 0 18px;
  color: var(--v3-white);
  font-size: clamp(64px, 8.4vw, 130px);
  line-height: .9;
}

.v3-skin .page-hero .page-kicker,
.v3-skin .page-hero .byline {
  color: rgba(255, 255, 255, .58);
}

.v3-skin .page-hero .page-lede {
  max-width: 62ch;
  color: rgba(255, 255, 255, .8);
  font-size: clamp(17px, 1.55vw, 22px);
  line-height: 1.55;
}

.v3-skin .prose {
  padding: clamp(76px, 8vw, 126px) 0;
  border-top: 1px solid var(--v3-line);
}

.v3-skin .prose:nth-of-type(even) {
  background: rgba(255, 253, 248, .52);
}

.v3-skin .prose > .container {
  display: grid;
  max-width: 1160px;
  grid-template-columns: minmax(220px, .65fr) minmax(0, 1.35fr);
  column-gap: clamp(40px, 9vw, 140px);
}

.v3-skin .prose h2 {
  margin: 0;
  font-size: clamp(42px, 5vw, 72px);
  line-height: 1;
  grid-column: 1;
}

.v3-skin .prose h2::before {
  display: block;
  width: 38px;
  height: 2px;
  margin-bottom: 22px;
  content: "";
  background: var(--v3-red);
}

.v3-skin .prose > .container > :not(h2) {
  grid-column: 2;
}

.v3-skin .prose p,
.v3-skin .prose li {
  color: rgba(21, 25, 24, .76);
  font-size: 17px;
  line-height: 1.82;
}

.v3-skin .prose .answer-first {
  margin-top: 0;
  color: var(--v3-ink);
  font-size: clamp(20px, 2vw, 25px);
  line-height: 1.58;
}

.v3-skin .prose a {
  text-decoration-color: rgba(211, 36, 53, .5);
  text-underline-offset: 4px;
}

.v3-skin .quote-pull {
  padding: clamp(28px, 4vw, 56px);
  border: 0;
  border-left: 2px solid var(--v3-red);
  border-radius: 0;
  background: var(--v3-white);
}

.v3-skin .quote-pull blockquote {
  font: 400 clamp(30px, 3vw, 48px)/1.2 var(--v3-serif);
  letter-spacing: -.035em;
}

.v3-skin .cta-band {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  color: white;
  background: var(--v3-ink);
}

.v3-skin .cta-band::before {
  position: absolute;
  inset: 0;
  z-index: -2;
  content: "";
  background: url("/assets/movement-building.jpeg") center/cover;
  filter: saturate(.6);
}

.v3-skin .cta-band::after {
  position: absolute;
  inset: 0;
  z-index: -1;
  content: "";
  background: rgba(15, 19, 18, .79);
}

.v3-skin .cta-band h2 {
  color: white;
  font-size: clamp(52px, 7vw, 94px);
  line-height: .95;
}

.v3-skin .cta-band p {
  max-width: 52ch;
  color: rgba(255, 255, 255, .72);
}

.v3-skin .cta-band .btn-ghost {
  color: white;
  border-color: rgba(255, 255, 255, .62);
}

.v3-reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .8s ease, transform .95s var(--v3-ease);
}

.v3-reveal.v3-visible {
  opacity: 1;
  transform: translateY(0);
}

@keyframes v3-drift {
  from { transform: scale(1.02) translate3d(-.6%, 0, 0); }
  to { transform: scale(1.09) translate3d(.8%, -1%, 0); }
}

@media (max-width: 1100px) {
  .v3-skin .nav-links {
    display: none;
  }

  .v3-menu-toggle {
    display: block;
  }

  .v3-skin [data-screen-label="Teddy / Hero"] > .container > [data-stack="mobile"] {
    grid-template-columns: minmax(0, 1fr) minmax(400px, .8fr) !important;
  }

  .v3-skin .hero-copy {
    padding-right: 38px;
    padding-left: 38px;
  }

  .v3-skin .hero-copy h1,
  .v3-skin .hero-copy h1[style] {
    font-size: clamp(52px, 6.2vw, 72px) !important;
  }

  .v3-skin .stat-card > div:last-child {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}

@media (max-width: 760px) {
  .v3-film-intro__landscape {
    background-position: 58% center;
  }

  .v3-film-intro__home {
    width: 74vw;
  }

  .v3-skin .nav-inner {
    min-height: 68px;
    padding: 11px 18px;
  }

  .v3-skin main > .container:first-child {
    top: 68px;
  }

  .v3-skin .nav-logo span:first-child {
    font-size: 12px !important;
  }

  .v3-skin .nav-subtitle {
    display: block !important;
    max-width: 190px;
    white-space: normal;
  }

  .v3-skin .nav-cta {
    display: none !important;
  }

  .v3-menu {
    inset: 68px 0 0;
  }

  .v3-menu__inner {
    min-height: calc(100dvh - 68px);
    grid-template-columns: 1fr;
    align-content: start;
    overflow-y: auto;
  }

  .v3-menu__label {
    grid-column: 1;
  }

  .v3-menu nav a {
    font-size: clamp(34px, 10vw, 52px);
  }

  .v3-skin [data-screen-label="Teddy / Hero"] > .container > [data-stack="mobile"] {
    min-height: auto;
    grid-template-columns: 1fr !important;
  }

  .v3-skin .hero-copy {
    width: 100%;
    min-width: 0;
    min-height: auto;
    padding: 48px 22px 36px;
    overflow: hidden;
  }

  .v3-skin .hero-copy::after {
    right: 22px;
    bottom: 20px;
    left: 22px;
  }

  .v3-skin .hero-copy h1,
  .v3-skin .hero-copy h1[style] {
    width: 100%;
    max-width: 100%;
    font-size: clamp(44px, 13.2vw, 56px) !important;
    line-height: .94 !important;
  }

  .v3-skin .hero-copy > .mono,
  .v3-skin .hero-copy > .mono[style] {
    max-width: 100%;
    font-size: 9px !important;
    line-height: 1.5;
    white-space: normal;
  }

  .v3-skin [data-hero-bio],
  .v3-skin [data-hero-bio][style] {
    width: 100%;
    max-width: 100% !important;
    font-size: 16px !important;
    overflow-wrap: break-word;
  }

  .v3-skin .hero-ctas,
  .v3-skin .hero-ctas[style] {
    display: grid !important;
    width: 100%;
  }

  .v3-skin .hero-ctas .btn {
    display: none;
    width: 100%;
    max-width: 100%;
    justify-content: center;
  }

  .v3-skin .hero-ctas .btn-primary {
    display: inline-flex;
  }

  .v3-skin .hero-chips {
    display: none !important;
  }

  .v3-skin .hero-copy + div {
    width: 100%;
    min-width: 0;
    min-height: 72dvh;
  }

  .v3-skin .hero-photo,
  .v3-skin .hero-photo[style] {
    min-height: 72dvh;
  }

  .v3-skin .stat-card,
  .v3-skin .stat-card[style] {
    right: 12px;
    bottom: 12px;
    left: 12px;
    padding: 15px !important;
  }

  .v3-skin .stat-card > .mono {
    display: none;
  }

  .v3-skin .stat-card > div:last-child {
    grid-template-columns: repeat(4, 1fr) !important;
  }

  .v3-skin .stat-card .mono {
    font-size: 7px !important;
    letter-spacing: .04em !important;
  }

  .v3-skin .stat-num,
  .v3-skin .stat-num[style] {
    font-size: 24px !important;
  }

  .v3-skin .section-head {
    display: block;
  }

  .v3-skin .section-head > p {
    margin-top: 22px;
  }

  .v3-skin .page-hero {
    min-height: 65dvh;
    padding: 150px 0 52px;
  }

  .v3-skin .page-hero h1 {
    font-size: clamp(55px, 17vw, 88px);
  }

  .v3-skin .prose > .container {
    display: block;
  }

  .v3-skin .prose h2 {
    margin-bottom: 34px;
  }

  .v3-skin .breadcrumbs {
    padding-right: 4px;
    padding-left: 4px;
    overflow: hidden;
    white-space: nowrap;
  }

  .v3-skin .mobile-dock {
    background: rgba(21, 25, 24, .96);
  }

  .v3-skin .mobile-dock .dock-call {
    color: white;
    border-color: rgba(255, 255, 255, .5);
  }
}

@media (prefers-reduced-motion: reduce) {
  .v3-film-intro {
    display: none;
  }

  html {
    scroll-behavior: auto;
  }

  .v3-skin *,
  .v3-skin *::before,
  .v3-skin *::after {
    scroll-behavior: auto !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }

  .v3-reveal {
    opacity: 1;
    transform: none;
  }

  .v3-hero-video,
  .v3-page-video {
    display: none;
  }
}


@font-face {
  font-family: "Newsreader";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("/v4/fonts/newsreader-roman.woff2") format("woff2");
}

@font-face {
  font-family: "Newsreader";
  font-style: italic;
  font-weight: 500;
  font-display: swap;
  src: url("/v4/fonts/newsreader-italic.woff2") format("woff2");
}

@font-face {
  font-family: "Rethink Sans";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("/v4/fonts/rethink-sans.woff2") format("woff2");
}

@font-face {
  font-family: "IBM Plex Mono";
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("/v4/fonts/ibm-plex-mono-400.woff2") format("woff2");
}

@font-face {
  font-family: "IBM Plex Mono";
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("/v4/fonts/ibm-plex-mono-500.woff2") format("woff2");
}

/*
 * V4 keeps the V3 editorial structure, gives it a sturdier reading voice and
 * turns the opening film into the first frame of the homepage story.
 */

.v4-skin {
  --v3-serif: "Newsreader", Georgia, "Times New Roman", serif;

  /*
   * Three reds, one brand. --red stays the signature and is the only one used
   * for fills and large display type, where its contrast is already sufficient.
   * Small red text needs more separation from the surface it sits on, so it
   * gets a surface-specific value: measured against #F5F1EA / #EFEAE1 paper,
   * --red at 12px lands at 4.23:1, and on #161616 ink it lands at 3.80:1 —
   * both under the 4.5:1 AA floor for body-size text.
   */
  --red-ink: #c81c29;   /* small red text on paper/white — 5.10:1 on paper */
  --red-lift: #ff5665;  /* small red text on ink/dark   — 5.83:1 on ink   */
}

/* #6B6B6B clears AA on --paper (4.73) but not on --paper-2 (4.45), which is the
   background behind the Resources and FAQ chapters. One notch darker clears both. */
body.v4-skin {
  --muted: #676767;
}

html[data-v4-page="home"] .v3-film-intro {
  animation: none;
}

.v4-skin .v3-film-intro--leave {
  animation-duration: .8s;
}

.v4-skin .v3-film-intro__landscape {
  background:
    linear-gradient(180deg, rgba(3, 8, 7, .76) 0%, rgba(3, 7, 6, .5) 47%, rgba(3, 5, 5, .85) 100%),
    linear-gradient(90deg, rgba(3, 7, 6, .44) 0%, transparent 58%, rgba(3, 7, 6, .16) 100%),
    url("/v4/media/spokane-river-intro.webp") center 46% / cover no-repeat;
  animation: v3-landscape-emerge .95s .78s var(--v3-ease) forwards;
}

.v4-skin .v3-film-intro__grain {
  opacity: .012;
}

/* The V4 house uses a tighter 260x220 viewBox than V3's 320x240, so the same
   stroke-width would render ~23% heavier. Scale it back to hold the hairline. */
.v4-skin .v3-film-intro__home {
  stroke-width: 1;
}

.v4-skin .v3-film-intro__home path {
  animation-duration: 1.5s;
  animation-delay: .12s;
}

.v4-skin .v3-film-intro__copy span {
  animation-duration: .55s;
  animation-delay: .58s;
}

.v4-skin .v3-film-intro__copy strong {
  font-family: var(--v3-sans);
  font-weight: 600;
  animation-duration: .7s;
  animation-delay: .76s;
}

.v4-skin .display,
.v4-skin h1,
.v4-skin h2,
.v4-skin h3,
.v4-skin h4 {
  font-optical-sizing: auto;
  font-weight: 500;
  text-rendering: optimizeLegibility;
}

.v4-skin .ix-name,
.v4-skin .stat-num {
  font-weight: 500 !important;
}

.v4-skin .v4-film-copy {
  isolation: isolate;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(13, 17, 16, .88), rgba(13, 17, 16, .64)),
    url("/v4/media/pnw-home-reel.webp") center/cover no-repeat;
}

.v4-skin .v4-film-copy > :not(.v4-hero-film):not(.v4-film-shade):not(.v4-film-meta):not(.v4-film-toggle) {
  position: relative;
  z-index: 3;
}

.v4-hero-film {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 52% center;
  opacity: 0;
  filter: saturate(.82) contrast(1.06) brightness(.86);
  transition: opacity .65s var(--v3-ease);
  will-change: opacity;
}

.v4-hero-film.is-ready {
  opacity: 1;
}

.v4-film-shade {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(12, 16, 15, .92) 0%, rgba(12, 16, 15, .78) 52%, rgba(12, 16, 15, .42) 100%),
    linear-gradient(0deg, rgba(12, 16, 15, .78) 0%, transparent 42%, rgba(12, 16, 15, .18) 100%),
    radial-gradient(75% 60% at 8% 45%, rgba(12, 16, 15, .22), transparent 72%);
}

.v4-film-shade::after {
  position: absolute;
  inset: 0;
  content: "";
  opacity: .08;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 140 140' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.95' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.25'/%3E%3C/svg%3E");
  mix-blend-mode: soft-light;
}

.v4-skin .v4-film-copy h1,
.v4-skin .v4-film-copy h1[style] {
  max-width: 690px;
  font-size: clamp(56px, 4.9vw, 78px) !important;
  font-weight: 500;
  letter-spacing: -.052em !important;
  line-height: .94 !important;
  text-shadow: 0 2px 28px rgba(0, 0, 0, .25);
}

.v4-skin .v4-film-copy h1 span,
.v4-skin .v4-film-copy h1 span[style] {
  font-weight: 500;
}

.v4-skin .v4-film-copy [data-hero-bio],
.v4-skin .v4-film-copy [data-hero-bio][style] {
  color: rgba(255, 255, 255, .88) !important;
  text-shadow: 0 1px 18px rgba(0, 0, 0, .34);
}

.v4-film-meta {
  position: absolute;
  right: clamp(30px, 4.3vw, 70px);
  bottom: 28px;
  z-index: 4;
  display: grid;
  width: min(230px, 30%);
  align-items: center;
  grid-template-columns: auto 1fr;
  gap: 7px 10px;
  color: rgba(255, 255, 255, .62);
  font: 9px/1.2 var(--v3-mono);
  letter-spacing: .11em;
  text-transform: uppercase;
}

.v4-film-meta__number {
  color: #ff5665;
}

.v4-film-meta__label {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.v4-film-meta__rule {
  height: 1px;
  grid-column: 1 / -1;
  overflow: hidden;
  background: rgba(255, 255, 255, .24);
}

.v4-film-meta__rule::after {
  display: block;
  width: 42%;
  height: 100%;
  content: "";
  background: var(--v3-red);
  transform-origin: left;
  animation: v4-film-progress 10s linear infinite;
}

.v4-film-toggle {
  position: absolute;
  top: 24px;
  right: 24px;
  z-index: 5;
  min-width: 68px;
  min-height: 44px;
  padding: 0 14px;
  border: 1px solid rgba(255, 255, 255, .44);
  border-radius: 999px;
  color: rgba(255, 255, 255, .86);
  background: rgba(9, 12, 11, .38);
  backdrop-filter: blur(8px);
  cursor: pointer;
  font: 9px/1 var(--v3-mono);
  letter-spacing: .14em;
  text-transform: uppercase;
}

.v4-film-toggle::before {
  display: inline-block;
  width: 5px;
  height: 5px;
  margin-right: 8px;
  border-radius: 50%;
  background: var(--v3-red);
  box-shadow: 0 0 0 3px rgba(225, 29, 44, .16);
  content: "";
}

.v4-film-toggle[data-state="still"]::before {
  background: rgba(255, 255, 255, .65);
  box-shadow: none;
}

.v4-film-toggle:focus-visible {
  outline: 2px solid var(--v3-white);
  outline-offset: 3px;
}

.v4-skin [aria-label="Equal Housing Opportunity"] {
  mask-image: url("/assets/equal-housing-opportunity.svg") !important;
}

.v4-film-copy[data-motion="still"] .v4-film-meta__rule::after {
  animation-play-state: paused;
}

.v4-skin .v4-hero-phone,
.v4-skin .v4-hero-phone:hover {
  min-height: 48px;
  padding-right: 4px;
  padding-left: 4px;
  border-color: transparent;
  background: transparent;
  box-shadow: none;
  text-decoration: underline;
  text-decoration-color: rgba(255, 255, 255, .45);
  text-underline-offset: 5px;
}

body.v4-skin.v3-menu-open {
  overflow: hidden;
}

.v4-skin .v3-menu {
  overscroll-behavior: contain;
}

.v4-skin.v3-menu-open .v3-menu-toggle > span:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}

.v4-skin.v3-menu-open .v3-menu-toggle > span:nth-child(2) {
  opacity: 0;
}

.v4-skin.v3-menu-open .v3-menu-toggle > span:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}

html[data-v4-page="about"] {
  --v3-page-image: url("/assets/teddy-960.webp");
}

html[data-v4-page="about"] .about-portrait-scene {
  position: relative;
  height: calc(100dvh + clamp(260px, 30vw, 430px));
  background: var(--v3-paper);
}

html[data-v4-page="about"] .about-portrait-hero {
  --about-portrait-scale: 2.1;
  --about-portrait-y: -8px;
  position: sticky;
  top: 76px;
  min-height: calc(100dvh - 76px);
}

html[data-v4-page="about"] .page-hero::before {
  inset: -8%;
  background-position: center 12%;
  filter: saturate(.54) contrast(1.02) brightness(.56) blur(18px);
  transform: scale(1.08);
  animation: none;
}

html[data-v4-page="about"] .page-hero::after {
  background:
    linear-gradient(90deg, rgba(9, 13, 12, .9) 0%, rgba(9, 13, 12, .7) 46%, rgba(9, 13, 12, .2) 76%, rgba(9, 13, 12, .36) 100%),
    linear-gradient(0deg, rgba(9, 13, 12, .68) 0%, transparent 58%, rgba(9, 13, 12, .22) 100%);
}

.about-portrait-media {
  position: absolute;
  inset: 0;
  z-index: -2;
  overflow: hidden;
  pointer-events: none;
}

.about-portrait-media picture {
  position: absolute;
  inset: 0;
}

.about-portrait-media img {
  position: absolute;
  top: 0;
  left: 50%;
  width: auto;
  max-width: none;
  height: 100%;
  object-fit: contain;
  filter: saturate(.76) contrast(1.05) brightness(.92);
  transform: translate3d(-50%, var(--about-portrait-y), 0) scale(var(--about-portrait-scale));
  transform-origin: 50% 0;
  will-change: transform;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 15%, #000 85%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0%, #000 15%, #000 85%, transparent 100%);
}

.about-portrait-hero .container {
  position: relative;
  z-index: 1;
}

.v4-skin .v3-page-video {
  transition: opacity .45s var(--v3-ease);
  will-change: opacity;
}

/*
 * A quiet, paper-toned process chapter: the restrained contour rings nod to
 * Eastern Washington topography without turning the section into a theme.
 */
body.v4-skin main > section.v3-process,
body.v4-skin main > section.v3-process[style] {
  position: relative;
  color: #18211d !important;
  background:
    radial-gradient(72% 110% at 94% 8%, rgba(99, 118, 105, .14), transparent 62%),
    linear-gradient(135deg, #f2f0e9 0%, #e9e8df 100%) !important;
  isolation: isolate;
}

.v4-skin .v3-process::before {
  position: absolute;
  inset: 0;
  z-index: 0;
  content: "";
  opacity: .17;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(45, 57, 51, .08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(45, 57, 51, .06) 1px, transparent 1px);
  background-size: 100% 84px, 84px 100%;
  mask-image: linear-gradient(90deg, transparent, #000 26%, #000 78%, transparent);
}

.v4-skin .v3-process::after {
  position: absolute;
  top: -300px;
  right: -190px;
  z-index: 0;
  width: 650px;
  height: 650px;
  border: 1px solid rgba(74, 95, 82, .2);
  border-radius: 45% 55% 48% 52%;
  box-shadow:
    0 0 0 38px rgba(74, 95, 82, .06),
    0 0 0 82px rgba(74, 95, 82, .05),
    0 0 0 128px rgba(74, 95, 82, .04),
    0 0 0 176px rgba(74, 95, 82, .025);
  content: "";
  pointer-events: none;
  transform: rotate(-14deg);
}

.v4-skin .v3-process > [aria-hidden="true"] {
  display: none !important;
}

.v4-skin .v3-process .container {
  position: relative;
  z-index: 2;
}

.v4-skin .v3-process .section-head {
  display: block;
  max-width: 900px;
  border-color: rgba(37, 50, 43, .2) !important;
}

.v4-skin .v3-process .section-head h2,
.v4-skin .v3-process .section-head h2[style],
.v4-skin .v3-process h3,
.v4-skin .v3-process h3[style],
.v4-skin .v3-process h4,
.v4-skin .v3-process h4[style] {
  color: #18211d !important;
}

.v4-skin .v3-process .section-head h2 {
  max-width: 10ch;
  font-size: clamp(58px, 6.5vw, 92px);
  line-height: .91;
  letter-spacing: -.052em;
  text-wrap: balance;
}

.v4-skin .v3-process .eyebrow,
.v4-skin .v3-process .eyebrow[style] {
  color: #68756e !important;
}

.v4-skin .v4-process-grid,
.v4-skin .v4-process-grid[style] {
  display: grid !important;
  grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
  gap: 0 !important;
  border-bottom: 1px solid rgba(37, 50, 43, .2);
}

.v4-skin .v3-process ol > li:not([aria-hidden="true"]) {
  min-height: 252px;
  padding: 30px clamp(20px, 2.2vw, 34px) 38px !important;
  border-top: 1px solid rgba(37, 50, 43, .2) !important;
  border-left: 1px solid rgba(37, 50, 43, .13);
  transition: background-color .3s var(--v3-ease);
}

.v4-skin .v3-process ol > li:nth-child(2) {
  border-left: 0;
}

@media (hover: hover) and (pointer: fine) {
  .v4-skin .v3-process ol > li:not([aria-hidden="true"]):hover {
    background: rgba(255, 255, 255, .28);
  }
}

.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child,
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child[style] {
  display: block !important;
  width: auto !important;
  height: auto !important;
  margin: 0 0 48px !important;
  color: var(--v3-red) !important;
  background: transparent !important;
  border-radius: 0 !important;
  box-shadow: none !important;
  font: 500 11px/1 var(--v3-mono) !important;
  letter-spacing: .16em;
}

.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h4,
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h4[style],
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h3,
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h3[style] {
  margin-bottom: 12px !important;
  font-size: clamp(24px, 2vw, 30px) !important;
  line-height: 1.02 !important;
  letter-spacing: -.035em !important;
}

.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > p,
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > p[style] {
  max-width: 26ch;
  color: #657069 !important;
  font-size: 14px !important;
  line-height: 1.55 !important;
}

.v4-skin #resources > .container > p.mono {
  color: #4f5b54 !important;
}

.v4-skin #faq > .container > p a {
  color: #981a2a !important;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.v4-skin .v3-process ol + div,
.v4-skin .v3-process ol + div[style] {
  margin-top: 42px !important;
}

@keyframes v4-film-progress {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}

.v4-skin [data-screen-label="Teddy / Hero"] {
  background: #101513;
}

/*
 * Reviews are a reading surface, so they use sturdier display type and a
 * wider desktop canvas than the long-form article sections.
 */
html[data-v4-page="reviews"] .page-hero h1 {
  max-width: 1100px;
  font-family: var(--v3-sans);
  font-size: clamp(54px, 6.4vw, 100px);
  font-weight: 600;
  letter-spacing: -.055em;
  line-height: .98;
  text-wrap: balance;
}

html[data-v4-page="reviews"] .page-hero .page-lede {
  max-width: 70ch;
}

html[data-v4-page="reviews"] .page-hero + .prose {
  padding: clamp(52px, 6vw, 88px) 0;
}

html[data-v4-page="reviews"] .page-hero + .prose > .container {
  display: block;
  width: min(1440px, calc(100% - clamp(40px, 7vw, 112px)));
  max-width: none;
}

html[data-v4-page="reviews"] .page-hero + .prose > .container > [data-reveal] {
  width: 100%;
  max-width: none;
  padding: clamp(26px, 3vw, 44px) !important;
  border-radius: 20px !important;
  box-shadow: 0 24px 70px -48px rgba(15, 30, 50, .34) !important;
}

html[data-v4-page="reviews"] [data-reviews-grid] {
  gap: clamp(16px, 1.5vw, 24px) !important;
  align-items: stretch;
}

html[data-v4-page="reviews"] [data-reviews-grid] > article,
html[data-v4-page="reviews"] [data-reviews-grid] > div,
html[data-v4-page="reviews"] [data-reviews-grid] > div > article {
  height: 100%;
}

html[data-v4-page="reviews"] [data-reviews-grid] article > p {
  max-width: 62ch;
  font-size: 16px !important;
  line-height: 1.7 !important;
}

html[data-v4-page="reviews"] .prose h2 {
  font-family: var(--v3-sans);
  font-weight: 600;
  letter-spacing: -.04em;
  line-height: 1.06;
}

.v4-footer-directory {
  display: grid;
  margin-top: clamp(38px, 4vw, 58px);
  padding: clamp(38px, 4vw, 54px) 0;
  border-top: 1px solid rgba(255, 255, 255, .12);
  border-bottom: 1px solid rgba(255, 255, 255, .12);
  grid-template-columns: minmax(190px, .7fr) minmax(0, 1.5fr) minmax(210px, .85fr);
  gap: clamp(34px, 5vw, 82px);
}

.v4-footer-directory__intro {
  max-width: 250px;
}

.v4-footer-directory__kicker,
.v4-footer-directory__group h2 {
  display: block;
  margin: 0 0 17px;
  color: rgba(255, 255, 255, .48);
  font: 500 10px/1.3 var(--v3-mono);
  letter-spacing: .13em;
  text-transform: uppercase;
}

.v4-footer-directory__kicker {
  color: #ff5966;
}

.v4-footer-directory__title {
  margin: 0;
  color: #fff;
  font: 500 clamp(29px, 2.5vw, 40px)/.98 var(--v3-serif);
  letter-spacing: -.04em;
}

.v4-footer-directory__note {
  max-width: 27ch;
  margin: 16px 0 0;
  color: rgba(255, 255, 255, .58);
  font-size: 13px;
  line-height: 1.65;
}

.v4-footer-directory__links {
  display: grid;
}

.v4-footer-directory__group--mortgages .v4-footer-directory__links {
  grid-auto-flow: column;
  grid-template-rows: repeat(5, minmax(44px, auto));
  grid-auto-columns: minmax(0, 1fr);
  column-gap: clamp(24px, 3vw, 46px);
}

.v4-footer-directory__links a {
  position: relative;
  display: flex;
  min-height: 44px;
  padding: 11px 28px 10px 0;
  align-items: center;
  border-top: 1px solid rgba(255, 255, 255, .1);
  color: rgba(255, 255, 255, .76);
  font-size: 13px;
  line-height: 1.35;
  text-decoration: none;
  transition:
    color .22s var(--v3-ease),
    padding-left .22s var(--v3-ease),
    border-color .22s var(--v3-ease);
}

.v4-footer-directory__links a::after {
  position: absolute;
  top: 50%;
  right: 2px;
  color: #ff5966;
  content: "→";
  opacity: .5;
  transform: translate(-4px, -50%);
  transition:
    opacity .22s var(--v3-ease),
    transform .22s var(--v3-ease);
}

.v4-footer-directory__links a:hover {
  padding-left: 5px;
  border-color: rgba(255, 255, 255, .22);
  color: #fff;
}

.v4-footer-directory__links a:hover::after {
  opacity: 1;
  transform: translate(0, -50%);
}

.v4-footer-directory__links a:focus-visible {
  border-radius: 3px;
  outline: 2px solid #ff5966;
  outline-offset: 3px;
  color: #fff;
}

/*
 * Editorial Index: accessibility and interaction parity.
 *
 * The index rows, split cards, contact channels and apply bar are the primary
 * navigation of the homepage, and every one of them is an <a>. They had richly
 * designed hover states but no focus states at all, so keyboard visitors fell
 * back to the UA outline — which disappears against the red flood and the ink
 * contact band. The footer directory already solved this; these match it.
 */
.v4-skin .ix-row:focus-visible,
.v4-skin .ix-half:focus-visible,
.v4-skin .ix-channel:focus-visible,
.v4-skin .ix-apply-bar:focus-visible {
  outline: 2px solid var(--red-ink);
  outline-offset: -3px;
}

.v4-skin .ix-contact .ix-channel:focus-visible,
.v4-skin .ix-apply-bar:focus-visible,
.v4-skin .ix-row--featured:focus-visible {
  outline-color: var(--red-lift);
}

/* Keyboard focus should read like hover, not merely be outlined. */
.v4-skin .ix-row:focus-visible .ix-cta span,
.v4-skin .ix-row:focus-visible .ix-go,
.v4-skin .ix-half:focus-visible .ix-link span,
.v4-skin .ix-channel:focus-visible .ix-link span {
  transform: translateX(6px);
}

/* Padding is layout-bound and no hover rule changes it — transitioning it only
   risks reflow during the red flood. */
.v4-skin .ix-row {
  transition:
    background-color .18s var(--v3-ease),
    color .18s var(--v3-ease);
}

/* Small red text, moved onto the surface-appropriate red. */
.v4-skin .ix-num,
.v4-skin .ix-cta,
.v4-skin .ix-mark,
.v4-skin .ix-eyebrow,
.v4-skin .ix-link {
  color: var(--red-ink);
}

.v4-skin .ix-row--featured .ix-num,
.v4-skin .ix-row--featured .ix-cta {
  color: var(--red-lift);
}

/*
 * The rules above tie on specificity with `.ix-row--featured:hover .ix-num`
 * (0,3,0 each) and, being later in the bundle, would win — leaving the number
 * red against the red hover flood. Restate the hover intent one level higher.
 */
.v4-skin .ix-programs .ix-row--featured:hover .ix-num,
.v4-skin .ix-programs .ix-row--featured:hover .ix-cta,
.v4-skin .ix-programs .ix-row--featured:focus-visible .ix-num,
.v4-skin .ix-programs .ix-row--featured:focus-visible .ix-cta {
  color: #fff;
}

.v4-skin .ix-channel .ix-link {
  color: #fff;
  text-decoration-color: var(--red-lift);
}

.v4-skin #first-time .eyebrow[style] {
  color: var(--red-ink) !important;
}

.v4-skin [data-screen-label="Teddy / In the office"] .mono[style] {
  color: var(--red-lift) !important;
}

.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child,
.v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child[style] {
  color: var(--red-ink) !important;
}

/* Unify the one-off darker red a previous pass introduced here. */
.v4-skin #faq > .container > p a {
  color: var(--red-ink) !important;
}

/* The process chapter's connector rule is drawn in white for the original dark
   treatment; V4 renders that chapter on paper, where it is a stray light line. */
.v4-skin .v3-process ol > li[data-process-line] {
  display: none;
}

/*
 * Review cards arrived as a cool-palette component — a blue-grey border
 * (#E5EAEE), a blue-tinted shadow (rgba(15,30,50,…)) and a teal accent
 * (#0F6E8E) — dropped into a warm paper/ink/red site. Nearly fifty instances
 * across the homepage and Reviews page, and it is the one place the site stops
 * looking like itself. These pull the chrome onto the site's own palette.
 *
 * The Experience.com wordmark keeps its own brand gradient on purpose: it is a
 * third-party verification mark, and recolouring someone else's logo to match
 * your site weakens exactly the attribution it exists to provide.
 */
.v4-skin [data-reviews-grid] article {
  border-color: var(--line) !important;
  box-shadow: 0 1px 2px rgba(22, 22, 22, .05) !important;
}

/* "Most recent" pill — brand red is the correct role for a small filled badge. */
.v4-skin [data-reviews-grid] article > span[style*="position: absolute"] {
  background: var(--red) !important;
}

/* Reviewer initial: warm surface, ink letterform. Red is reserved for
   structural accents, and five red discs in a row would out-shout the copy. */
.v4-skin [data-reviews-grid] article > header > div:first-child {
  background: var(--paper-2) !important;
  color: var(--ink) !important;
}

.v4-skin [data-reviews-grid] article > footer svg circle,
.v4-skin [data-reviews-grid] article > footer svg path {
  stroke: var(--red-ink);
}

/* "Read all N reviews on Experience.com →" — the only remaining teal link.
   The inline style also sets `text-decoration: none`, so the underline needs
   !important too; colour alone was winning and the underline was not. */
.v4-skin a[href*="experience.com"][style*="rgb(15, 110, 142)"] {
  color: var(--red-ink) !important;
  text-decoration: underline !important;
  text-underline-offset: 4px;
}

/*
 * Eyebrows: one red, not two. The V3 layer paints every eyebrow --v3-red
 * (#D32435), which clears AA on --paper (4.64:1) but not on --paper-2 (4.36:1),
 * the Resources and FAQ background. Unify on --red-ink, which clears both.
 * The dark chapters keep their own treatments below.
 */
.v4-skin .eyebrow {
  color: var(--red-ink);
}

.v4-skin #first-time .eyebrow[style] {
  color: var(--red-ink) !important;
}

/* Contact sits on ink; it needs a light eyebrow, and .45 white was sitting on
   the AA floor. */
.v4-skin .ix-contact .eyebrow {
  color: rgba(255, 255, 255, .55) !important;
}

/*
 * The "In the office" testimonial is one rounded, overflow-hidden container
 * holding a photo and a dark quote panel. The generic mobile stacking rule
 * (`[data-stack="mobile"] { gap: 28px }`) splits it into two objects with the
 * paper background showing through the seam. It declares no gap on desktop,
 * so clearing it unconditionally is breakpoint-proof.
 */
.v4-skin [data-screen-label="Teddy / In the office"] [data-stack="mobile"] {
  gap: 0 !important;
}

/*
 * About's "at a glance" block reuses .quote-pull — a container built for
 * blockquote/cite — to hold a label/value fact list, so it renders as default
 * bullet dots inside pull-quote padding: the one generic list on an otherwise
 * ruled, art-directed site. Give it the hairline-row language used by the
 * footer directory and the loan index. Only one .quote-pull on the site
 * contains a <ul>; the other three hold blockquotes and are untouched.
 */
.v4-skin .quote-pull ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.v4-skin .quote-pull ul > li {
  display: grid;
  padding: 11px 0;
  align-items: baseline;
  border-top: 1px solid var(--line);
  grid-template-columns: minmax(128px, .3fr) minmax(0, 1fr);
  gap: 4px 24px;
  font-size: 15px;
  line-height: 1.55;
}

.v4-skin .quote-pull ul > li:first-child {
  padding-top: 0;
  border-top: 0;
}

.v4-skin .quote-pull ul > li > strong {
  font: 500 10.5px/1.7 var(--v3-mono);
  color: var(--muted);
  letter-spacing: .12em;
  text-transform: uppercase;
}

/*
 * The contact chapter and the footer are both ink, but `.footer` carries
 * margin-top: 120px (80px on mobile), so the paper body background shows
 * through between them as a cream band interrupting the dark close.
 * Interior pages end on paper, where that breathing room is still wanted.
 */
html[data-v4-page="home"] .footer {
  margin-top: 0;
}

/* Regulated disclosure text sat at 4.5:1 — the AA floor exactly. Legal copy
   should not be the least readable text on the page. */
.v4-skin .ix-contact .mono-legal,
.v4-skin .ix-contact .mono-legal a {
  color: rgba(255, 255, 255, .62) !important;
}

/*
 * The red corner wedge was designed for the pre-V4 hero, where the portrait
 * was a small 10px-radius card and the diagonal read as a deliberate clipped
 * accent. V4 makes that portrait a full-bleed 100dvh image, where the same
 * soft gradient reads as a colour-management artefact rather than a device —
 * and worse on narrow screens, where it covers a fifth of the frame. The
 * framed office photo below still gets it, because that context is unchanged.
 */
.v4-skin .hero-photo > span[style*="225deg"] {
  display: none;
}

/* Footer social buttons were 38px — under the 44px minimum touch target. */
.v4-skin .footer a[aria-label="LinkedIn"],
.v4-skin .footer a[aria-label="Facebook"] {
  width: 44px !important;
  height: 44px !important;
}

@media (min-width: 1180px) {
  html[data-v4-page="home"] [data-reviews-grid] {
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
  }

  /*
   * Five reviews in a three-column grid leaves a visibly empty cell on the
   * second row. Flex wrapping keeps three per row; flex-grow stays 0 so cards
   * in a short final row keep the same width as every other card (grow-to-fill
   * made row-two cards 583px against row one's 381px — reading as a different
   * component). A quiet empty slot beats two stretched cards.
   */
  html[data-v4-page="reviews"] [data-reviews-grid] {
    display: flex !important;
    flex-wrap: wrap;
    align-items: stretch;
  }

  html[data-v4-page="reviews"] [data-reviews-grid] > * {
    flex: 0 1 calc(33.333% - 15px);
    min-width: 280px;
  }

  /*
   * The cards carry `height: 100%` from the old grid layout. `align-items:
   * stretch` only stretches items whose cross size is `auto`, so that leftover
   * declaration silently opts every card out of stretching and they fall back
   * to content height — ragged bottoms across each row. Hand the sizing back
   * to flex, and let the wrapped card fill its stretched wrapper.
   */
  html[data-v4-page="reviews"] [data-reviews-grid] > article,
  html[data-v4-page="reviews"] [data-reviews-grid] > div {
    height: auto !important;
  }

  html[data-v4-page="reviews"] [data-reviews-grid] > div {
    display: flex;
    grid-column: auto !important;
  }

  html[data-v4-page="reviews"] [data-reviews-grid] > div > article {
    width: 100%;
    height: auto !important;
  }
}

@media (max-width: 1100px) {
  .v4-film-meta {
    display: none;
  }
}

@media (max-width: 1000px) {
  .v4-footer-directory {
    grid-template-columns: minmax(0, 1.25fr) minmax(210px, .75fr);
  }

  .v4-footer-directory__intro {
    display: grid;
    max-width: none;
    grid-column: 1 / -1;
    grid-template-columns: minmax(220px, .75fr) minmax(260px, 1.25fr);
    align-items: end;
    column-gap: 40px;
  }

  .v4-footer-directory__kicker {
    grid-column: 1 / -1;
  }

  .v4-footer-directory__note {
    margin: 0;
  }
}

@media (max-width: 760px) {
  .v4-skin .v3-menu {
    background: #151918;
  }

  /* Two columns of label/value get cramped on a phone; stack them. */
  .v4-skin .quote-pull ul > li {
    grid-template-columns: minmax(0, 1fr);
    gap: 2px;
    padding: 10px 0;
  }

  .v4-skin .v4-film-copy {
    background:
      linear-gradient(90deg, rgba(13, 17, 16, .91), rgba(13, 17, 16, .7)),
      url("/v4/media/pnw-home-reel-mobile.webp") center/cover no-repeat;
  }

  .v4-film-meta,
  .v4-film-toggle {
    display: none;
  }

  .v4-hero-film {
    display: block;
    object-position: 58% center;
  }

  .v4-film-shade {
    display: block;
    background:
      linear-gradient(90deg, rgba(12, 16, 15, .9) 0%, rgba(12, 16, 15, .72) 70%, rgba(12, 16, 15, .56) 100%),
      linear-gradient(0deg, rgba(12, 16, 15, .76) 0%, transparent 50%, rgba(12, 16, 15, .2) 100%);
  }

  /* The +180px runway funded a scroll-zoom on the portrait, but it rendered
     as a ~250px blank cream band between the hero and the first section
     (398px total gap vs the 155-158px rhythm every other interior page
     keeps). The zoom is desktop's; mobile takes the reduced-motion layout —
     app.js skips the scroll handler on this breakpoint to match. */
  html[data-v4-page="about"] .about-portrait-scene {
    height: auto;
  }

  html[data-v4-page="about"] .about-portrait-hero {
    --about-portrait-scale: 1.55;
    --about-portrait-y: -6px;
    top: 68px;
    min-height: calc(100svh - 68px);
    padding-bottom: 44px;
  }

  html[data-v4-page="about"] .page-hero::before {
    background-position: center 16%;
  }

  html[data-v4-page="about"] .page-hero::after {
    background:
      linear-gradient(90deg, rgba(9, 13, 12, .78), rgba(9, 13, 12, .36)),
      linear-gradient(0deg, rgba(9, 13, 12, .84) 0%, rgba(9, 13, 12, .36) 62%, rgba(9, 13, 12, .24) 100%);
  }

  .about-portrait-media img {
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 10%, #000 90%, transparent 100%);
    mask-image: linear-gradient(90deg, transparent 0%, #000 10%, #000 90%, transparent 100%);
  }

  .v4-skin .v4-film-copy h1,
  .v4-skin .v4-film-copy h1[style] {
    font-size: clamp(44px, 13.2vw, 56px) !important;
    letter-spacing: -.045em !important;
    line-height: .96 !important;
  }

  html[data-v4-page="reviews"] .page-hero h1 {
    font-size: clamp(46px, 13vw, 64px);
    letter-spacing: -.045em;
    line-height: 1;
  }

  html[data-v4-page="reviews"] .page-hero + .prose > .container {
    width: min(100% - 32px, 1440px);
  }

  html[data-v4-page="reviews"] .page-hero + .prose > .container > [data-reveal] {
    padding: 20px !important;
    border-radius: 14px !important;
  }

  .v4-footer-directory {
    display: block;
    margin-top: 34px;
    padding: 34px 0 38px;
  }

  .v4-footer-directory__intro {
    display: block;
  }

  .v4-footer-directory__title {
    max-width: 9ch;
    font-size: 36px;
  }

  .v4-footer-directory__note {
    margin-top: 13px;
  }

  .v4-footer-directory__group {
    margin-top: 35px;
  }

  .v4-footer-directory__group h2 {
    margin-bottom: 12px;
  }

  .v4-footer-directory__group--mortgages .v4-footer-directory__links {
    display: grid;
    grid-auto-flow: row;
    grid-template-rows: none;
    grid-template-columns: 1fr;
  }

  .v4-footer-directory__links a {
    min-height: 48px;
    padding-top: 13px;
    padding-bottom: 12px;
    font-size: 14px;
  }

  .v4-skin .v3-process::before {
    background-size: 100% 72px, 72px 100%;
    mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
  }

  .v4-skin .v3-process::after {
    top: -180px;
    right: -280px;
    width: 520px;
    height: 520px;
  }

  .v4-skin .v3-process .section-head h2 {
    max-width: 8ch;
    font-size: clamp(49px, 14.8vw, 66px);
  }

  .v4-skin .v4-process-grid,
  .v4-skin .v4-process-grid[style] {
    grid-template-columns: 1fr !important;
  }

  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) {
    display: grid;
    min-height: 0;
    grid-template-columns: 42px minmax(0, 1fr);
    padding: 24px 0 26px !important;
    border-left: 0;
  }

  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child,
  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > div:first-child[style] {
    grid-row: 1 / span 2;
    margin: 5px 0 0 !important;
  }

  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h4,
  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > h3,
  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > p {
    grid-column: 2;
  }

  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > p,
  .v4-skin .v3-process ol > li:not([aria-hidden="true"]) > p[style] {
    max-width: 28ch;
  }

  .v4-skin .v3-process ol + div,
  .v4-skin .v3-process ol + div[style] {
    margin-top: 30px !important;
  }

  .v4-skin .v3-process ol + div .btn {
    width: 100%;
    min-height: 52px;
    justify-content: center;
    text-align: center;
  }

  .v4-skin .hero-chips {
    gap: 6px !important;
    margin-top: 22px !important;
  }

  .v4-skin .hero-chips > span {
    padding: 5px 9px !important;
    font-size: 9px !important;
    line-height: 1.35;
  }

  .v4-skin .v4-hero-phone {
    display: none !important;
  }

  .v4-skin .ix-programs .ix-row:not(.ix-row--featured):hover {
    background: transparent !important;
  }

  .v4-skin .ix-programs .ix-row:not(.ix-row--featured):hover .ix-num {
    color: var(--red-ink) !important;
  }

  /* Touch devices have no real hover; the inline mobile reset returns the
     featured row to its resting red, which needs the dark-surface value. */
  .v4-skin .ix-programs .ix-row--featured:hover .ix-num,
  .v4-skin .ix-programs .ix-row--featured:hover .ix-cta {
    color: var(--red-lift) !important;
  }

  .v4-skin .ix-programs .ix-row:not(.ix-row--featured):hover .ix-name {
    color: var(--ink) !important;
  }

  .v4-skin .ix-programs .ix-row:not(.ix-row--featured):hover .ix-desc {
    color: var(--muted) !important;
  }

  .v4-skin .hero-ctas .btn-ghost:not(.v4-hero-phone) {
    display: flex;
    width: 100%;
    min-height: 50px;
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  html[data-v4-page="about"] .about-portrait-scene {
    height: auto;
  }

  html[data-v4-page="about"] .about-portrait-hero {
    --about-portrait-scale: 1.24;
    --about-portrait-y: 54px;
    position: relative;
    top: auto;
    min-height: min(76dvh, 760px);
  }

  .about-portrait-media img {
    will-change: auto;
  }
}

@media (prefers-reduced-motion: reduce) {
  .v4-hero-film,
  .v4-film-toggle,
  .v4-film-meta {
    display: none;
  }
}

/* ===== Polish pass 2 — 2026-08-01 ===== */

/*
 * Desktop hero: freeze the composition against viewport height. The copy
 * block is dead-centered in a panel whose height tracks 100dvh, so the empty
 * band under the nav grew with the screen — 197px at 900h, 244px at 1030h.
 * Above ~850px of viewport height the bottom padding now absorbs the extra
 * 1:1, holding the nav-to-headline distance steady (~145px) at every desktop
 * size; the 86px floor keeps shorter viewports exactly as they were, so the
 * centered block can never be squeezed into overflow.
 */
@media (min-width: 761px) {
  .v4-skin .v4-film-copy {
    padding-bottom: clamp(86px, calc(100dvh - 766px), 420px);
  }
}

/*
 * Focus visibility on light surfaces. The V3 base forces a white outline on
 * every link and button; on the cream prose background that ring measures
 * 1.14:1 — invisible (WCAG 1.4.11 wants 3:1). currentColor tracks each
 * element's own text colour, which is already contrast-managed against its
 * background: red-ink links on paper, white links on ink, white button text
 * on brand red. The Editorial Index rows keep their higher-specificity
 * explicit rings from pass 1.
 */
.v4-skin a:focus-visible,
.v4-skin button:focus-visible,
.v4-skin .btn:focus-visible {
  outline-color: currentColor;
}

/*
 * Keyboard/touch hit areas that don't move pixels: padding grows the target,
 * the negative margin hands the space back to the layout.
 */
.v4-skin .nav-logo {
  padding-block: 5px;   /* 34px logo lockup -> 44px hit */
  margin-block: -5px;
}

.v4-skin .breadcrumbs a {
  display: inline-block;
  padding-block: 12px;  /* 19px text row -> 43px hit */
  margin-block: -12px;
}

/*
 * Interior footer, harmonised with the homepage footer's hover language:
 * same slide-in arrow the homepage directory links use. The deeper split
 * (no column headers, no brand block) is markup, not styling — left alone.
 */
.v4-skin .site-footer-links a::after {
  content: "→";
  display: inline-block;
  margin-left: 6px;
  opacity: 0;
  transform: translateX(-4px);
  transition: opacity .18s ease, transform .18s ease;
}

.v4-skin .site-footer-links a:hover::after,
.v4-skin .site-footer-links a:focus-visible::after {
  opacity: 1;
  transform: none;
}

@media (max-width: 768px) {
  /*
   * The fixed CTA dock (74px) sat over the last line of the interior footer —
   * on /faq/ that line is the Movement Mortgage copyright, fully hidden at
   * full scroll. The homepage footer already ends in the oversized watermark
   * and needs no compensation.
   */
  .v4-skin .site-footer {
    padding-bottom: calc(40px + 88px + env(safe-area-inset-bottom, 0px));
  }

  /*
   * Stat card: captions under the hero numbers rendered at 7px/50% white —
   * effectively invisible on a phone. Two columns give the labels room to
   * exist at a legible size; "Experience.com" cannot hyphenate and never fit
   * a quarter-width column, which is how the 7px crush happened.
   */
  .v4-skin .stat-card > div:last-child {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 12px 18px !important;
  }

  .v4-skin .stat-card .mono,
  .v4-skin .stat-card .mono[style] {
    font-size: 10px !important;
    letter-spacing: .08em !important;
    color: rgba(255, 255, 255, .72) !important;
  }

  /* Every other homepage section paces at 44px on mobile; Guidance — the
     first section after the hero — was the lone 24px outlier. */
  .v4-skin [data-screen-label="Teddy / Guidance"] {
    padding-top: 44px !important;
    padding-bottom: 44px !important;
  }

  /* Footer link rows measured 17-21px tall. Real padding here (rows may
     grow): these are single-column mobile stacks with room to breathe.
     Deliberately scoped to the named link containers — a bare `.footer a`
     also catches inline links inside the legal compliance paragraphs, where
     inline-block padding balloons individual line boxes and makes the legal
     text spacing uneven. Inline prose links are exempt targets anyway. */
  .v4-skin .v4-footer-directory__links a,
  .v4-skin .footer div[style*="gap: 28px"][style*="text-transform: uppercase"] > a,
  .v4-skin .site-footer-links a,
  .v4-skin .site-footer-legal-links a,
  .v4-skin .site-footer-bottom a {
    display: inline-block;
    padding-block: 12px;
    margin-block: -6px;
  }

  .v4-skin a[href*="experience.com"][style*="rgb(15, 110, 142)"] {
    display: inline-block;
    padding-block: 12px;
    margin-block: -12px;
  }

  .v4-skin .btn-sm {
    min-height: 44px;
  }

  /* Nav subtitle rendered at 9px — below the site's own 10px legibility
     floor for micro-labels. */
  .v4-skin .nav-logo .nav-subtitle,
  .v4-skin .nav-logo .nav-subtitle[style] {
    font-size: 10px !important;
  }
}