/* =========================================================
   The Solutions Lab — design tokens
   Maroon + warm grey, modeled on the calm, textured look of
   valueinclusion.com. Every color comes from these tokens.
   ========================================================= */
:root {
  /* Brand colors sampled from The Solutions Lab pitch deck */
  --maroon: #9c191f;       /* logo red */
  --maroon-deep: #7a1318;
  --charcoal: #242424;     /* title slide */
  --stone: #f2f2f2;        /* slide background */
  --ink: #2b1310;          /* heading bars and pills */
  --slate: #604e4b;        /* subtitle brown-grey */

  --bg: #ffffff;
  --bg-alt: var(--stone);
  --surface: #ffffff;
  --text: #241a19;
  --heading: var(--ink);
  --text-muted: var(--slate);
  --accent-text: var(--maroon);
  --border: #d9d3d2;
  --rule: #c8bebc;
  --btn-bg: var(--maroon);
  --btn-bg-hover: var(--maroon-deep);
  --btn-text: #ffffff;
  --btn2-border: var(--maroon);
  --btn2-text: var(--maroon);
  --hero-bg: var(--charcoal);
  --hero-text: #ffffff;
  --hero-muted: #e4dfe1;
  --band-bg: var(--maroon);
  --band-text: #ffffff;
  --footer-bg: #1c1c1c;
  --footer-text: #ece8e9;
  --focus: #9c191f;
  --focus-on-dark: #ffffff;
  --tint: #f8e9e9;
  --bar-1: #9c191f;
  --bar-2: #c9777b;
  --bar-3: #8c8584;
  --series-1: #9c191f;
  --series-2: #2a78d6;
  --series-3: #e08a00;
  --pill-bg: var(--ink);
  --pill-text: #ffffff;
  --soon-bg: #f2f2f2;
  --soon-text: #4e4442;

  /* Digits use Public Sans (plain zero); all other characters use Atkinson Hyperlegible Next */
  --font-body: "Public Sans", "Atkinson Hyperlegible Next", "Atkinson Hyperlegible", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-display: "Merriweather", Georgia, "Times New Roman", serif;
  --measure: 65ch;
  --wrap: 80rem;
  --step--1: 0.9375rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: 1.5625rem;
  --step-3: 2rem;
  --step-4: clamp(2.25rem, 1.6rem + 2.6vw, 3.25rem);
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #171515; --bg-alt: #211e1e; --surface: #211e1e; --text: #f3eeed; --heading: #ffffff; --text-muted: #cbc2c0;
    --accent-text: #f29ea3; --border: #433c3b; --rule: #554b4a; --btn-bg: #b3232b; --btn-bg-hover: #c9333b;
    --btn-text: #ffffff; --btn2-border: #f29ea3; --btn2-text: #f29ea3; --hero-bg: #111111; --band-bg: #7a1318;
    --footer-bg: #0e0e0e; --focus: #f29ea3; --tint: #2f1d1e; --bar-1: #e0636b; --bar-2: #a8666a; --bar-3: #6f6867;
    --series-1: #e0636b; --series-2: #3987e5; --series-3: #c98500; --pill-bg: #f3eeed; --pill-text: #171515;
    --soon-bg: #2c2828; --soon-text: #d8d0ce; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #171515; --bg-alt: #211e1e; --surface: #211e1e; --text: #f3eeed; --heading: #ffffff; --text-muted: #cbc2c0;
  --accent-text: #f29ea3; --border: #433c3b; --rule: #554b4a; --btn-bg: #b3232b; --btn-bg-hover: #c9333b;
  --btn-text: #ffffff; --btn2-border: #f29ea3; --btn2-text: #f29ea3; --hero-bg: #111111; --band-bg: #7a1318;
  --footer-bg: #0e0e0e; --focus: #f29ea3; --tint: #2f1d1e; --bar-1: #e0636b; --bar-2: #a8666a; --bar-3: #6f6867;
  --series-1: #e0636b; --series-2: #3987e5; --series-3: #c98500; --pill-bg: #f3eeed; --pill-text: #171515;
  --soon-bg: #2c2828; --soon-text: #d8d0ce; color-scheme: dark;
}
/* The site's own theme setting (Display settings) wins over the device */
:root[data-site-theme="light"] {
  --bg: #ffffff; --bg-alt: #f2f2f2; --surface: #ffffff; --text: #241a19; --heading: #2b1310; --text-muted: #604e4b;
  --accent-text: #9c191f; --border: #d9d3d2; --rule: #c8bebc; --btn-bg: #9c191f; --btn-bg-hover: #7a1318;
  --btn-text: #ffffff; --btn2-border: #9c191f; --btn2-text: #9c191f; --hero-bg: #242424; --band-bg: #9c191f;
  --footer-bg: #1c1c1c; --focus: #9c191f; --tint: #f8e9e9; --bar-1: #9c191f; --bar-2: #c9777b; --bar-3: #8c8584;
  --series-1: #9c191f; --series-2: #2a78d6; --series-3: #e08a00; --pill-bg: #2b1310; --pill-text: #ffffff;
  --soon-bg: #f2f2f2; --soon-text: #4e4442; color-scheme: light;
}
:root[data-site-theme="dark"] {
  --bg: #171515; --bg-alt: #211e1e; --surface: #211e1e; --text: #f3eeed; --heading: #ffffff; --text-muted: #cbc2c0;
  --accent-text: #f29ea3; --border: #433c3b; --rule: #554b4a; --btn-bg: #b3232b; --btn-bg-hover: #c9333b;
  --btn-text: #ffffff; --btn2-border: #f29ea3; --btn2-text: #f29ea3; --hero-bg: #111111; --band-bg: #7a1318;
  --footer-bg: #0e0e0e; --focus: #f29ea3; --tint: #2f1d1e; --bar-1: #e0636b; --bar-2: #a8666a; --bar-3: #6f6867;
  --series-1: #e0636b; --series-2: #3987e5; --series-3: #c98500; --pill-bg: #f3eeed; --pill-text: #171515;
  --soon-bg: #2c2828; --soon-text: #d8d0ce; color-scheme: dark;
}
/* High contrast: black ground, white text, yellow actions */
:root[data-contrast="high"] {
  --bg: #000000; --bg-alt: #000000; --surface: #000000; --text: #ffffff; --text-muted: #ffffff;
  --accent-text: #ffff00; --border: #ffffff; --rule: #ffffff; --btn-bg: #ffff00; --btn-bg-hover: #ffffff;
  --btn-text: #000000; --btn2-border: #ffff00; --btn2-text: #ffff00; --hero-bg: #000000; --hero-text: #ffffff;
  --hero-muted: #ffffff; --band-bg: #000000; --band-text: #ffffff; --footer-bg: #000000; --footer-text: #ffffff;
  --focus: #00e5ff; --focus-on-dark: #00e5ff; --tint: #000000; --bar-1: #ffff00; --bar-2: #ffffff; --bar-3: #00e5ff;
  --series-1: #ffff00; --series-2: #00e5ff; --series-3: #ffffff; --pill-bg: #ffff00; --pill-text: #000000; --heading: #ffffff;
  --soon-bg: #000000; --soon-text: #ffffff; color-scheme: dark;
}

/* Text size setting */
html { font-size: 100%; }
html[data-text-size="large"] { font-size: 125%; }
html[data-text-size="xlarge"] { font-size: 150%; }

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-wrap: break-word;
}
img { max-width: 100%; }
/* overflow-wrap and hyphens keep long words like "entrepreneurship" inside a narrow
   phone screen at the extra-large text setting, instead of pushing the page sideways. */
h1, h2, h3 { font-family: var(--font-display); line-height: 1.25; text-wrap: balance; margin: 0; color: var(--heading); overflow-wrap: break-word; hyphens: auto; }
h1 { font-size: var(--step-4); font-weight: 900; letter-spacing: -0.005em; }
h2 { font-size: var(--step-3); font-weight: 700; }
h3 { font-size: var(--step-1); font-weight: 600; }
p, ul, ol, dl { margin: 0; }
p { max-width: var(--measure); }
a { color: var(--accent-text); text-decoration-thickness: 0.08em; text-underline-offset: 0.18em; }
a:hover { text-decoration-thickness: 0.16em; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 2px; }
[tabindex="-1"]:focus:not(:focus-visible) { outline: none; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: clamp(1rem, 4vw, 2.5rem); }
.stack > * + * { margin-top: 1rem; }
.stack-lg > * + * { margin-top: 1.75rem; }
.eyebrow {
  font-family: var(--font-body); font-size: var(--step--1); font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.12em; color: var(--accent-text);
}
.lead { font-size: var(--step-1); line-height: 1.55; }
.muted { color: var(--text-muted); }

/* ---------- Skip link ---------- */
.skip {
  position: absolute; left: 1rem; top: -10rem; z-index: 100;
  background: var(--btn-bg); color: var(--btn-text); padding: 0.75rem 1.25rem;
  font-weight: 700; text-decoration: none;
}
.skip:focus { top: 1rem; }

/* ---------- Utility bar + display settings ---------- */
.utility { background: var(--footer-bg); color: var(--footer-text); font-size: var(--step--1); }
.utility .wrap { display: flex; justify-content: flex-end; align-items: center; gap: 1rem; min-height: 2.75rem; flex-wrap: wrap; }
.utility button {
  font: inherit; font-weight: 600; color: var(--footer-text); background: transparent;
  border: 1px solid currentColor; padding: 0.35rem 0.85rem; min-height: 2.25rem; cursor: pointer;
}
.utility button:focus-visible { outline-color: var(--focus-on-dark); }
.settings-panel { background: var(--bg-alt); border-bottom: 1px solid var(--border); }
.settings-panel .wrap { display: flex; flex-wrap: wrap; gap: 1.5rem 3rem; padding-block: 1.5rem; align-items: flex-start; }
.settings-panel fieldset { border: 0; margin: 0; padding: 0; display: grid; gap: 0.5rem; }
.settings-panel legend { font-weight: 700; margin-bottom: 0.5rem; padding: 0; }
.choice { display: flex; align-items: center; gap: 0.6rem; min-height: 2rem; cursor: pointer; }
.choice input { width: 1.25rem; height: 1.25rem; margin: 0; accent-color: var(--btn-bg); }
.settings-actions { display: flex; align-items: flex-end; align-self: stretch; }

/* ---------- Header ---------- */
.site-header { background: var(--bg); border-bottom: 1px solid var(--border); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem 1.5rem; padding-block: 0.875rem; flex-wrap: wrap; }
/* Desktop: logo and menu share one line. If the menu can't fit beside the logo
   (narrow laptop or larger text setting), it moves to its own line instead of overlapping. */
@media (min-width: 56.01rem) {
  .site-nav { flex: 0 0 auto; max-width: 100%; margin-left: auto; }
  .site-nav ul { justify-content: flex-end; align-items: center; gap: 0.25rem 0.1rem; }
}
.wordmark { display: inline-flex; align-items: center; gap: 0.75rem; text-decoration: none; color: var(--heading); line-height: 1; padding-block: 0.25rem; }
.wordmark-text { display: inline-flex; flex-direction: column; }
.logo-mark { width: 2.75rem; height: 2.75rem; flex-shrink: 0; }
.wordmark-the { font-family: var(--font-body); font-weight: 700; font-size: 0.75rem; letter-spacing: 0.5em; color: var(--accent-text); margin-bottom: 0.3rem; }
.wordmark-name { font-family: var(--font-body); font-weight: 700; font-size: 1.5rem; letter-spacing: -0.01em; white-space: nowrap; }
.menu-toggle {
  display: none; font: inherit; font-weight: 700; background: transparent; color: var(--text);
  border: 2px solid var(--text); padding: 0.45rem 1rem; min-height: 2.75rem; cursor: pointer;
}
.site-nav ul { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 0.25rem 0.25rem; }
.site-nav a {
  display: block; padding: 0.5rem 0.55rem; color: var(--text); text-decoration: none; font-weight: 600; font-size: 1rem; white-space: nowrap;
  border-bottom: 3px solid transparent;
}
.site-nav a:hover { border-bottom-color: var(--rule); }
.site-nav a[aria-current="page"] { border-bottom-color: var(--accent-text); color: var(--accent-text); }
@media (max-width: 56rem) {
  .menu-toggle { display: inline-block; }
  .site-nav { flex-basis: 100%; display: none; }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; gap: 0; border-top: 1px solid var(--border); }
  .site-nav li { border-bottom: 1px solid var(--border); }
  .site-nav a { padding: 0.85rem 0.25rem; border-bottom: 0; border-left: 4px solid transparent; padding-left: 0.75rem; }
  .site-nav a[aria-current="page"] { border-left-color: var(--accent-text); }
}

/* ---------- Hero (textured grey, like Value Inclusion's wood banner) ---------- */
.hero {
  color: var(--hero-text);
  background-color: var(--hero-bg);
  background-image:
    linear-gradient(100deg, rgba(10, 8, 9, 0.62) 0%, rgba(10, 8, 9, 0.30) 70%, rgba(10, 8, 9, 0.18) 100%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='900' height='520'%3E%3Cfilter id='g'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.0035 0.085' numOctaves='4' seed='11'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0.55 0 0 0 -0.18'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23g)'/%3E%3C/svg%3E");
  background-size: auto, cover;
  background-position: center;
  border-bottom: 6px solid var(--btn-bg);
}
:root[data-contrast="high"] .hero { background-image: none; border-bottom-color: var(--text); }
.hero .wrap { padding-block: clamp(3rem, 7vw, 5.5rem); display: grid; gap: 1.25rem; }
.hero h1, .hero h2 { color: var(--hero-text); max-width: 20ch; }
.hero .eyebrow { color: var(--hero-muted); }
.hero p { color: var(--hero-muted); }
.hero .lead { color: var(--hero-text); max-width: 46ch; }
.hero :focus-visible { outline-color: var(--focus-on-dark); }
.hero--page .wrap { padding-block: clamp(2.25rem, 5vw, 3.5rem); }
.hero--page h1 { font-size: var(--step-3); max-width: 28ch; }
@media (min-width: 40rem) { .hero--page h1 { font-size: clamp(2rem, 1.5rem + 2vw, 2.75rem); } }

/* ---------- Buttons ---------- */
.actions { display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: center; margin-top: 0.5rem; }
.btn {
  display: inline-flex; flex-wrap: wrap; align-items: center; gap: 0.4rem 0.6rem; min-height: 3rem; max-width: 100%;
  padding: 0.7rem 1.4rem; font: inherit; font-weight: 700; line-height: 1.2;
  text-decoration: none; cursor: pointer; border: 2px solid var(--btn-bg);
  background: var(--btn-bg); color: var(--btn-text); border-radius: 2px;
}
.btn:hover { background: var(--btn-bg-hover); border-color: var(--btn-bg-hover); }
.btn--ghost { background: transparent; color: var(--btn2-text); border-color: var(--btn2-border); }
.btn--ghost:hover { background: var(--tint); color: var(--btn2-text); border-color: var(--btn2-border); }
.on-dark .btn--ghost, .hero .btn--ghost { color: #ffffff; border-color: #ffffff; }
.on-dark .btn--ghost:hover, .hero .btn--ghost:hover { background: rgba(255,255,255,0.12); }
:root[data-contrast="high"] .hero .btn--ghost, :root[data-contrast="high"] .on-dark .btn--ghost { color: #ffff00; border-color: #ffff00; }
.btn[aria-disabled="true"] { background: var(--soon-bg); color: var(--soon-text); border: 2px dashed var(--soon-text); cursor: help; }
.btn[aria-disabled="true"]:hover { background: var(--soon-bg); border-color: var(--soon-text); }
.soon-tag {
  font-size: 0.75em; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em;
  padding: 0.15rem 0.45rem; border: 1px solid currentColor; border-radius: 2px;
}

/* ---------- Sections ---------- */
.section { padding-block: clamp(3rem, 6vw, 4.5rem); }
.section--alt { background: var(--bg-alt); }
.section-head { display: grid; gap: 0.6rem; margin-bottom: 2rem; max-width: var(--measure); }
.split { display: grid; gap: 2rem 4rem; }
@media (min-width: 52rem) { .split { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); align-items: start; } }

/* Plain-language summary */
.plain {
  background: var(--tint); border-top: 3px solid var(--accent-text);
  padding: 1.25rem 1.5rem; display: grid; gap: 0.5rem; max-width: 52rem;
}
:root[data-contrast="high"] .plain { border: 2px solid var(--text); border-top-width: 4px; }
.plain h2 { font-family: var(--font-body); font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--accent-text); }
.plain p { font-size: var(--step-1); line-height: 1.5; }
.plain-wrap { padding-top: 2rem; }

/* Two-up "resources" feature */
.duo { display: grid; gap: 1.5rem; }
@media (min-width: 46rem) { .duo { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.panel { background: var(--surface); border: 1px solid var(--border); padding: clamp(1.25rem, 3vw, 2rem); display: grid; gap: 1rem; align-content: start; }
.section--alt .panel { border-color: transparent; }
:root[data-contrast="high"] .panel { border-color: var(--text); }
.panel h3 { font-size: var(--step-2); }
.panel .kicker { font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); }

/* Lists */
.ticks { list-style: none; padding: 0; display: grid; gap: 0.6rem; }
.ticks li { position: relative; padding-left: 1.6rem; max-width: var(--measure); }
.ticks li::before { content: ""; position: absolute; left: 0.1rem; top: 0.6em; width: 0.7rem; height: 0.7rem; background: var(--accent-text); transform: rotate(45deg) scale(0.7); }
.plainlist { padding-left: 1.25rem; display: grid; gap: 0.5rem; }
.plainlist li { max-width: var(--measure); }

/* Three-up gap cards */
.trio { display: grid; gap: 1.5rem; }
@media (min-width: 56rem) { .trio { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.trio > * { display: grid; gap: 0.6rem; align-content: start; padding-top: 1rem; border-top: 2px solid var(--text); }
.trio h3 { font-size: var(--step-1); }

/* Figures */
.figures { list-style: none; padding: 0; display: grid; gap: 1.5rem 2rem; }
@media (min-width: 40rem) { .figures { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 62rem) { .figures { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.figures li { display: grid; gap: 0.4rem; align-content: start; padding-top: 0.9rem; border-top: 1px solid var(--rule); }
.figure-num { font-family: var(--font-display); font-weight: 700; font-size: var(--step-3); line-height: 1.1; color: var(--accent-text); font-variant-numeric: tabular-nums; }
.figure-src { font-size: var(--step--1); color: var(--text-muted); }

/* Term sheet (loan terms) */
.terms { border: 2px solid var(--text); background: var(--surface); }
.terms-title { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; padding: 0.75rem 1.25rem; background: var(--text); color: var(--bg); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; font-size: var(--step--1); }
.terms dl { display: grid; }
.terms dl > div { display: grid; gap: 0.25rem 1.5rem; padding: 0.9rem 1.25rem; border-top: 1px solid var(--border); }
.terms dl > div:first-child { border-top: 0; }
@media (min-width: 36rem) { .terms dl > div { grid-template-columns: 11rem minmax(0, 1fr); } }
.terms dt { font-weight: 700; color: var(--text-muted); font-size: var(--step--1); text-transform: uppercase; letter-spacing: 0.06em; padding-top: 0.15rem; }
.terms dd { margin: 0; font-variant-numeric: tabular-nums; }
.terms dd strong { font-family: var(--font-display); font-size: var(--step-1); }

/* Steps (a real sequence, so numbered) */
.steps { list-style: none; padding: 0; display: grid; gap: 0; counter-reset: step; }
@media (min-width: 56rem) { .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.steps li { counter-increment: step; display: grid; gap: 0.5rem; align-content: start; padding: 1.25rem 1.25rem 1.5rem 0; border-top: 2px solid var(--text); }
@media (min-width: 56rem) { .steps li + li { padding-left: 1.25rem; border-left: 1px solid var(--rule); } }
.steps li::before { content: "Step " counter(step); justify-self: start; font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--pill-text); background: var(--pill-bg); padding: 0.2rem 0.8rem; border-radius: 999px; }
.steps h3 { font-size: var(--step-1); }

/* Allocation bar: 70 / 20 / 10 */
.alloc { display: grid; gap: 1.25rem; }
.alloc-bar { display: flex; height: 3rem; border: 2px solid var(--text); }
.alloc-bar span { display: block; height: 100%; }
.alloc-bar span + span { border-left: 2px solid var(--bg); }
.alloc-list { list-style: none; padding: 0; display: grid; gap: 1rem; }
@media (min-width: 46rem) { .alloc-list { grid-template-columns: 7fr 2fr 1.4fr; } }
.alloc-list li { display: grid; gap: 0.2rem; align-content: start; }
.alloc-key { display: inline-block; width: 0.9rem; height: 0.9rem; margin-right: 0.5rem; vertical-align: -0.05em; border: 1px solid var(--text); }
.alloc-pct { font-family: var(--font-display); font-weight: 700; font-size: var(--step-2); font-variant-numeric: tabular-nums; }

/* Quote */
.pull { max-width: 48rem; display: grid; gap: 1rem; }
.pull blockquote { margin: 0; font-family: var(--font-display); font-weight: 600; font-size: var(--step-3); line-height: 1.25; color: var(--text); text-wrap: balance; }
.pull figcaption { color: var(--text-muted); }

/* Table */
.table-scroll { overflow-x: auto; border: 1px solid var(--border); background: var(--surface); }
.table-scroll:focus-visible { outline-offset: 0; }
table { border-collapse: collapse; width: 100%; min-width: 42rem; font-size: var(--step--1); }
caption { text-align: left; padding: 1rem 1.25rem; font-weight: 700; font-size: var(--step-0); }
th, td { text-align: left; vertical-align: top; padding: 0.85rem 1.25rem; border-top: 1px solid var(--border); }
thead th { background: var(--bg-alt); font-size: 0.8125rem; text-transform: uppercase; letter-spacing: 0.08em; }
tbody th { font-weight: 700; }
tr.us th, tr.us td { background: var(--tint); }
tr.us th { color: var(--accent-text); }

/* Governance */
.gov { display: grid; gap: 1.5rem; }
@media (min-width: 56rem) { .gov { grid-template-columns: repeat(auto-fit, minmax(16rem, 1fr)); } }
.gov > div { display: grid; gap: 0.5rem; align-content: start; background: var(--surface); border: 1px solid var(--border); padding: 1.5rem; }
.section--alt .gov > div { border-color: transparent; }
:root[data-contrast="high"] .gov > div { border-color: var(--text); }
.role { font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent-text); }

/* CTA band */
.band { background: var(--band-bg); color: var(--band-text); }
:root[data-contrast="high"] .band { border-block: 2px solid var(--text); }
.band .wrap { padding-block: clamp(2.5rem, 5vw, 3.5rem); display: flex; flex-wrap: wrap; gap: 1.5rem 3rem; align-items: center; justify-content: space-between; }
.band h2 { color: var(--band-text); font-size: var(--step-2); max-width: 30ch; }
.band p { color: var(--band-text); }
.band .btn { background: #ffffff; color: #7a1318; border-color: #ffffff; }
.band .btn:hover { background: #f3e6e9; border-color: #f3e6e9; }
.band .btn[aria-disabled="true"] { background: transparent; color: #ffffff; border: 2px dashed #ffffff; }
:root[data-contrast="high"] .band .btn { background: #ffff00; color: #000000; border-color: #ffff00; }
:root[data-contrast="high"] .band .btn[aria-disabled="true"] { background: #000000; color: #ffffff; border-color: #ffffff; }
.band :focus-visible { outline-color: var(--focus-on-dark); }

/* Document (text versions) */
.doc { max-width: 48rem; display: grid; gap: 2.5rem; }
.doc section { display: grid; gap: 0.9rem; }
.doc h2 { font-size: var(--step-2); }
.doc .slide-no { font-family: var(--font-body); display: block; font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent-text); margin-bottom: 0.3rem; }
.doc-meta { font-size: var(--step--1); color: var(--text-muted); }
.note { font-size: var(--step--1); color: var(--text-muted); max-width: var(--measure); }

/* Contact */
.contact-card { display: grid; gap: 0.35rem; font-size: var(--step-1); }
.contact-card a { overflow-wrap: anywhere; }
.contact-card .name { font-family: var(--font-display); font-weight: 700; font-size: var(--step-2); }

/* Footer */
.site-footer { background: var(--footer-bg); color: var(--footer-text); font-size: var(--step--1); }
:root[data-contrast="high"] .site-footer { border-top: 2px solid var(--text); }
.site-footer .wrap { padding-block: 3rem 2rem; display: grid; gap: 2rem; }
@media (min-width: 52rem) { .footer-top { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 3rem; align-items: start; } }
.footer-top { display: grid; gap: 2rem; }
.site-footer a { color: var(--footer-text); }
.site-footer :focus-visible { outline-color: var(--focus-on-dark); }
.site-footer .wordmark { color: var(--footer-text); }
.site-footer .wordmark-the { color: #f29ea3; }
:root[data-contrast="high"] .site-footer .wordmark-the { color: #ffff00; }
.footer-nav ul { list-style: none; padding: 0; display: grid; gap: 0.35rem 2rem; grid-template-columns: repeat(2, minmax(0, auto)); }
.footer-nav a { display: inline-block; padding-block: 0.3rem; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.18); padding-top: 1.5rem; display: grid; gap: 0.5rem; }
.footer-legal p { max-width: 60rem; }

/* Toast for "coming soon" buttons */
.toast {
  position: fixed; left: 50%; bottom: 1.25rem; transform: translateX(-50%); z-index: 50;
  width: min(34rem, calc(100% - 2rem)); background: var(--text); color: var(--bg);
  padding: 1rem 1.25rem; display: flex; gap: 1rem; align-items: flex-start; justify-content: space-between;
  box-shadow: 0 10px 30px rgba(0,0,0,0.25);
}
:root[data-contrast="high"] .toast { background: #000000; color: #ffffff; border: 2px solid #ffff00; }
.toast p { margin: 0; }
.toast button { font: inherit; font-weight: 700; background: transparent; color: inherit; border: 1px solid currentColor; padding: 0.3rem 0.7rem; min-height: 2.25rem; cursor: pointer; flex-shrink: 0; }

.page[hidden], .toast[hidden], .settings-panel[hidden] { display: none !important; }

/* Banner photos from Bob. Dark overlay keeps the white text readable. */
.hero--home, .hero--about {
  background-image:
    linear-gradient(90deg, rgba(14, 10, 10, 0.86) 0%, rgba(14, 10, 10, 0.76) 55%, rgba(14, 10, 10, 0.5) 100%),
    url("/assets/home-hero.jpg");
  background-size: auto, cover;
  background-position: center, center 45%;
}
.hero--about {
  background-image:
    linear-gradient(90deg, rgba(14, 10, 10, 0.86) 0%, rgba(14, 10, 10, 0.76) 55%, rgba(14, 10, 10, 0.5) 100%),
    url("/assets/about-hero.jpg");
}
.hero--program {
  background-image:
    linear-gradient(90deg, rgba(14, 10, 10, 0.86) 0%, rgba(14, 10, 10, 0.76) 55%, rgba(14, 10, 10, 0.5) 100%),
    url("/assets/program-hero.jpg");
  background-size: auto, cover;
  background-position: center, center 45%;
}
@media (max-width: 60rem) {
  .hero--home, .hero--about, .hero--program { background-image: linear-gradient(rgba(14, 10, 10, 0.8), rgba(14, 10, 10, 0.8)), url("/assets/home-hero.jpg"); }
  .hero--about { background-image: linear-gradient(rgba(14, 10, 10, 0.8), rgba(14, 10, 10, 0.8)), url("/assets/about-hero.jpg"); }
  .hero--program { background-image: linear-gradient(rgba(14, 10, 10, 0.8), rgba(14, 10, 10, 0.8)), url("/assets/program-hero.jpg"); }
}
.hero--home .wrap { padding-block: clamp(4rem, 9vw, 7rem); }

/* Story slider (Bob's "Home Page Sliders") */
.stories { display: grid; gap: 1rem; }
/* Controls stay in the page for screen readers and keyboards, but are visually hidden
   until focused (Bob asked for no visible buttons). Sighted visitors click the story itself. */
.stories-controls { position: absolute; left: 0; top: 0; display: flex; flex-wrap: wrap; gap: 0.5rem; z-index: 2; }
.stories-btn { position: absolute; width: 1px; height: 1px; min-height: 0; padding: 0; margin: -1px; border: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.stories-btn:focus {
  position: static; width: auto; height: auto; min-height: 2.75rem; margin: 0; overflow: visible; clip: auto;
  padding: 0.4rem 1rem; background: var(--surface); color: var(--heading); border: 2px solid var(--heading); border-radius: 2px;
}
.stories { position: relative; }
.stories-btn { font: inherit; font-weight: 700; cursor: pointer; background: var(--surface); color: var(--heading); border-radius: 2px; }
.stories-track { display: grid; }
.story {
  grid-area: 1 / 1; display: grid; gap: 1.5rem 2.5rem; align-items: start;
  background: var(--band-bg); color: #ffffff; padding: clamp(1.5rem, 4vw, 2.75rem);
  transition: opacity 0.4s ease;
}
:root[data-contrast="high"] .story { background: #000000; border: 2px solid #ffffff; }
.story.is-hidden { visibility: hidden; opacity: 0; }
.story { cursor: pointer; }  /* clicking a story moves to the next one */
@media (min-width: 44rem) { .story { grid-template-columns: minmax(12rem, 16rem) minmax(0, 1fr); } }
.story-who { display: grid; gap: 0.25rem; align-content: start; }
.story .story-name { color: #ffffff; font-family: var(--font-body); font-size: var(--step-2); font-weight: 700; }
.story-org { color: #ffffff; font-weight: 700; margin-bottom: 0.75rem; }
.story-photo { width: 100%; max-width: 16rem; height: auto; aspect-ratio: 1; object-fit: cover; border: 3px solid #ffffff; }
.story-text { display: grid; gap: 1rem; align-content: start; }
.story-text p { color: #ffffff; font-size: var(--step-1); line-height: 1.6; }
.story :focus-visible { outline-color: #ffffff; }
.story .btn[aria-disabled="true"] { background: transparent; color: #ffffff; border: 2px dashed #ffffff; }
.stories-dots { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.stories-dots:focus-within { position: static; width: auto; height: auto; overflow: visible; clip: auto; display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem; }
.stories-dot {
  font: inherit; font-size: var(--step--1); font-weight: 600; min-height: 2.5rem; padding: 0.3rem 0.8rem; cursor: pointer;
  background: transparent; color: var(--text); border: 1px solid var(--rule); border-radius: 999px;
}
.stories-dot[aria-current="true"] { background: var(--heading); color: var(--bg); border-color: var(--heading); }

/* Draft notes: questions for Bob, removed in the final build */
.draft-note { border: 2px dashed var(--accent-text); background: var(--surface); padding: 1rem 1.25rem; display: grid; gap: 0.4rem; max-width: 52rem; }
.draft-note .draft-label { font-size: var(--step--1); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent-text); }
.draft-note p, .draft-note li { font-size: var(--step--1); }
.draft-note ul { padding-left: 1.25rem; display: grid; gap: 0.25rem; }

/* Donate link in main menu */
.site-nav a.nav-donate { background: var(--btn-bg); color: var(--btn-text); border-bottom-color: transparent; padding-inline: 1rem; margin-left: 0.25rem; border-radius: 2px; }
.site-nav a.nav-donate:hover { background: var(--btn-bg-hover); border-bottom-color: transparent; }
.site-nav a.nav-donate[aria-current="page"] { color: var(--btn-text); outline: 2px solid var(--heading); outline-offset: 2px; }
@media (max-width: 56rem) { .site-nav a.nav-donate { margin: 0.5rem 0; display: inline-block; } }

/* Status badge */
.status { display: inline-flex; align-items: center; gap: 0.6rem; font-weight: 700; padding: 0.4rem 0.9rem; border: 2px solid var(--heading); background: var(--surface); }
.status::before { content: ""; width: 0.75rem; height: 0.75rem; border-radius: 50%; background: var(--series-3); border: 1px solid var(--heading); }

/* Footer nav: three columns when there is room */
@media (min-width: 40rem) { .footer-nav ul { grid-template-columns: repeat(3, minmax(0, auto)); } }

/* Hero with logo (home) */
.hero--home .wrap { grid-template-columns: minmax(0, 1fr); align-items: center; }
.hero-mark { display: none; }
@media (min-width: 60rem) {
  .hero--home .wrap { grid-template-columns: minmax(0, 1fr) auto; column-gap: 4rem; }
  .hero--home .hero-copy { display: grid; gap: 1.25rem; }
  .hero-mark { display: block; width: 15rem; height: 15rem; filter: drop-shadow(0 12px 30px rgba(0,0,0,.45)); }
  .hero-mark .logo-mark { width: 100%; height: 100%; }
}
.hero-copy { display: grid; gap: 1.25rem; }
.source { font-size: var(--step--1); color: var(--text-muted); }
.source a { color: inherit; }
.updated { font-size: var(--step--1); }

/* Chart: actions taken in response to financial challenges */
.chart-figure { margin: 0; display: grid; gap: 1rem; background: var(--surface); border: 1px solid var(--border); padding: clamp(1rem, 3vw, 1.75rem); }
.section--alt .chart-figure { border-color: transparent; }
:root[data-contrast="high"] .chart-figure { border-color: var(--text); }
.chart-figure figcaption { display: grid; gap: 0.35rem; }
.chart-title { font-weight: 700; font-size: var(--step-1); max-width: none; }
.legend { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 0.5rem 1.5rem; font-size: var(--step--1); }
.legend li { display: inline-flex; align-items: center; gap: 0.5rem; }
.legend .sw { width: 0.9rem; height: 0.9rem; border-radius: 3px; display: inline-block; }
.chart-wrap { position: relative; }
.chart-wrap svg { display: block; width: 100%; height: auto; overflow: visible; }
.chart-wrap text { font-family: var(--font-body); }
.chart-tip { position: absolute; pointer-events: none; background: var(--text); color: var(--bg); padding: 0.4rem 0.65rem; font-size: 0.875rem; border-radius: 3px; white-space: nowrap; transform: translate(-50%, -115%); z-index: 5; }
.chart-tip[hidden] { display: none; }
.data-table caption { font-size: var(--step--1); }
.data-table td { font-variant-numeric: tabular-nums; }


/* Program page: "What loans can be used for" sits under the intro on the left, with the
   loan terms box centred vertically beside them (Bob's Sept 23 note). */
@media (min-width: 52rem) {
  .split--terms { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); align-items: center; }
  .split--terms .terms-col { align-self: center; }
}
.h2-match { font-size: var(--step-3); font-weight: 700; }
.terms-title { justify-content: flex-start; }

/* Photos inside a page section */
.photo { margin: 0; display: grid; gap: 0.5rem; }
.photo img { width: 100%; height: auto; display: block; border: 1px solid var(--border); }
:root[data-contrast="high"] .photo img { border-color: var(--text); }
.photo figcaption { font-size: var(--step--1); color: var(--text-muted); }
/* Advisory committee bios */
.bios { display: grid; gap: 2.75rem; }
.bio { display: grid; gap: 1rem; align-items: start; }
@media (min-width: 46rem) { .bio { grid-template-columns: 13rem minmax(0, 1fr); gap: 2rem; } }
.bio img { width: 100%; max-width: 13rem; height: auto; aspect-ratio: 1; object-fit: cover; border: 1px solid var(--border); }
:root[data-contrast="high"] .bio img { border-color: var(--text); }
.bio-body { display: grid; gap: 0.75rem; }
.thesis { max-width: var(--measure); }
.photo-pair { display: grid; gap: 1.5rem; }
@media (min-width: 46rem) { .photo-pair { grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; } }

/* FAQ */
.faq { display: grid; gap: 0; max-width: 52rem; border-top: 2px solid var(--heading); }
.faq > div { padding-block: 1.25rem; border-bottom: 1px solid var(--border); display: grid; gap: 0.5rem; }
.faq h2 { font-size: var(--step-1); }