/* Financing lane styles (prefix fn-): the home page band and the /financing page. Tokens from /styles.css.
   Signature: worksheet FC-1, a printed coverage form on ruled columnar paper, beside a machine readout. */

/* ---------- Shared ---------- */
.fn-link {
  display: inline-flex; align-items: center; min-height: 48px; padding: 0 2px;
  font-weight: 600; font-stretch: 104%; color: var(--ink);
  text-decoration: underline; text-decoration-color: var(--rule-strong); text-decoration-thickness: 1.5px; text-underline-offset: 6px;
  transition: text-decoration-color var(--fast) var(--ease-out);
}
.fn-link--night { color: var(--on-night); text-decoration-color: rgba(168, 226, 192, 0.45); }
.fn-src {
  position: relative; display: inline-flex; align-items: center; min-height: 28px;
  font-family: var(--mono); font-size: 0.72rem; font-weight: 500; letter-spacing: 0.01em;
  color: var(--eyeshade); text-decoration: underline; text-decoration-color: var(--rule-strong); text-underline-offset: 4px;
}
.fn-legal { margin-top: 28px; max-width: 64em; font-size: 0.86rem; line-height: 1.55; color: var(--muted); text-wrap: pretty; }
.fn-src::after { content: ''; position: absolute; inset: -8px -4px; }
@media (hover: hover) {
  .fn-link:hover { text-decoration-color: var(--eyeshade); }
  .fn-link--night:hover { text-decoration-color: var(--mint); }
  .fn-src:hover { text-decoration-color: currentColor; }
}

/* ---------- Page rhythm: a reference page, so sections sit closer than on the home page ---------- */
.fn-page .section { padding-block: clamp(56px, 6vw, 88px); }
.fn-page .section__head { margin-bottom: clamp(28px, 3.4vw, 48px); }
.fn-page .h2 { font-size: clamp(2rem, 3.5vw, 3.1rem); }
.fn-form { gap: 26px; }

/* ---------- Home page: lender region link and the financing band ---------- */
.tl-lender__cta .fn-plan {
  display: inline-flex; align-items: center; min-height: 48px;
  font-weight: 600; font-stretch: 104%; color: var(--mint);
  text-decoration: underline; text-decoration-color: rgba(168, 226, 192, 0.45); text-decoration-thickness: 1.5px; text-underline-offset: 6px;
}
@media (hover: hover) { .tl-lender__cta .fn-plan:hover { text-decoration-color: var(--mint); } }
.fn-band { padding-block: clamp(72px, 9vw, 120px); background: var(--tape); border-bottom: 1px solid var(--rule); }
.fn-band__grid { display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); gap: clamp(32px, 6vw, 96px); align-items: center; }
.fn-band__kicker { font-family: var(--mono); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--eyeshade); }
.fn-band .h2 { margin-top: 16px; max-width: 13em; }
.fn-band__points { margin-top: 28px; display: grid; gap: 12px; }
.fn-band__points li { display: grid; grid-template-columns: 18px minmax(0, 1fr); gap: 12px; align-items: start; font-size: 1.02rem; line-height: 1.5; color: var(--ink-2); }
.fn-band__points .tick { margin-top: 3px; }
.fn-band__cta { margin-top: 32px; display: flex; flex-wrap: wrap; align-items: center; gap: 12px 26px; }
.fn-band__fine { margin-top: 18px; font-size: 0.86rem; color: var(--muted); }
.fn-band__fig img { width: 100%; height: auto; border-radius: var(--r-lg); box-shadow: 0 40px 80px -56px rgba(13, 59, 46, 0.7); }

/* ---------- Page header: no palette button here, so the call link and the toggle push right ---------- */
.fn-nav .nav__links a[aria-current='page'] { color: var(--eyeshade); box-shadow: inset 0 -2px 0 var(--tick); border-radius: var(--r-sm) var(--r-sm) 0 0; }
.menu__links a[aria-current='page'] { color: var(--eyeshade); }
.footer__nav a[aria-current='page'] { color: var(--paper-white); }
@media (max-width: 1240px) { .fn-nav .nav__call { margin-left: auto; } }
@media (max-width: 720px) { .fn-nav .nav__toggle { margin-left: auto; } }

/* ---------- Hero ---------- */
.fn-hero {
  position: relative; isolation: isolate; overflow: clip;
  padding: clamp(120px, 15vh, 160px) 0 clamp(72px, 9vw, 120px);
  background: radial-gradient(70% 60% at 0% 0%, rgba(50, 132, 96, 0.22), transparent 70%), var(--night);
  color: var(--on-night);
}
.fn-hero::before {
  content: ''; position: absolute; inset: 0; z-index: -1; pointer-events: none;
  background-image: repeating-linear-gradient(90deg, rgba(168, 226, 192, 0.05) 0 1px, transparent 1px 112px);
  -webkit-mask-image: linear-gradient(180deg, #000 0, #000 55%, transparent 100%);
  mask-image: linear-gradient(180deg, #000 0, #000 55%, transparent 100%);
}
.fn-kicker { font-family: var(--mono); font-size: 0.74rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--mint); }
.fn-hero__title {
  margin-top: 22px;
  font-size: clamp(2.3rem, 5.4vw, 5.6rem); font-weight: 650; font-stretch: 108%; letter-spacing: -0.04em; line-height: 0.98;
  color: var(--paper-white);
}
.fn-hero__title .hero__line { display: block; }
.fn-hero__title .hero__line + .hero__line { color: var(--mint); }
.js:not(.is-ready) .fn-hero__title { opacity: 0; }
.js .fn-hero__title { animation: boot-reveal 400ms ease 2.6s forwards; }
.fn-hero__row { margin-top: clamp(36px, 5vw, 64px); display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(32px, 5vw, 80px); align-items: start; }
.fn-hero__lede { max-width: 30em; font-size: clamp(1.06rem, 1.25vw, 1.22rem); line-height: 1.55; color: var(--on-night-muted); text-wrap: pretty; }
.fn-hero__actions { margin-top: 30px; display: flex; flex-wrap: wrap; align-items: center; gap: 12px 26px; }
.fn-proof { margin-top: 32px; padding-top: 20px; border-top: 1px solid var(--night-rule); display: grid; gap: 10px; font-size: 0.94rem; color: var(--on-night); }
.fn-proof li { display: grid; grid-template-columns: 18px minmax(0, 1fr); gap: 10px; align-items: start; }
.fn-proof .tick { margin-top: 3px; }
/* The still life bleeds off the right edge of the window. */
.fn-hero__art { margin-right: calc(-1 * var(--gutter) - max(0px, (100vw - var(--wrap) - var(--gutter) * 2) / 2)); }
.fn-hero__art img { width: 100%; height: auto; aspect-ratio: 16 / 9; object-fit: cover; object-position: 20% 50%; border-radius: var(--r-lg) 0 0 var(--r-lg); box-shadow: 0 50px 90px -50px rgba(0, 0, 0, 0.75); }
.fn-hero :focus-visible { outline-color: var(--mint); }

/* ---------- Common gaps: two columns of review notes ---------- */
.fn-review { border-top: 2px solid var(--ink); }
.fn-review__cols, .fn-review__row { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(20px, 4vw, 64px); }
.fn-review__cols { padding: 12px 0; border-bottom: 1px solid var(--rule-strong); font-family: var(--mono); font-size: 0.7rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); }
.fn-review__row { padding: 16px 0 18px; border-bottom: 1px solid var(--rule); align-content: start; }
.fn-review__gap { position: relative; padding-left: 30px; font-size: clamp(1.08rem, 1.4vw, 1.24rem); font-weight: 620; font-stretch: 104%; letter-spacing: -0.01em; line-height: 1.3; }
/* A reviewer's red query mark beside each gap. */
.fn-review__gap::before {
  content: ''; position: absolute; left: 0; top: 0.18em; width: 18px; height: 18px; border-radius: 50%;
  box-shadow: inset 0 0 0 1.6px var(--tick);
  background: linear-gradient(var(--tick), var(--tick)) 50% 32% / 1.6px 6px no-repeat, linear-gradient(var(--tick), var(--tick)) 50% 74% / 1.6px 1.8px no-repeat;
}
.fn-review__fix { color: var(--ink-2); line-height: 1.55; max-width: 40em; }
@media (min-width: 981px) {
  .fn-review { border-top: 0; }
  .fn-review__cols { display: none; }
  .fn-review__rows { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: clamp(32px, 4vw, 64px); border-top: 2px solid var(--ink); }
  .fn-review__row { grid-template-columns: minmax(0, 1fr); gap: 6px; }
  .fn-review__fix { padding-left: 30px; }
  .fn-review__row:last-child:nth-child(odd) { grid-column: 1 / -1; }
}

/* ---------- The worksheet ---------- */
.fn-cap { background: var(--ledger-hi); border-block: 1px solid var(--rule); }
.fn-ws { display: grid; grid-template-columns: minmax(0, 7fr) minmax(320px, 5fr); gap: clamp(20px, 3vw, 40px); align-items: start; }
.fn-sheet {
  --no: 44px; --gap: 26px; --amt: clamp(150px, 15vw, 196px);
  position: relative; min-width: 0;
  padding: 26px clamp(16px, 2.6vw, 32px) 28px 0;
  border-radius: var(--r-md);
  background:
    linear-gradient(90deg, transparent calc(var(--no) + var(--gap) / 2 - 1px), rgba(215, 57, 43, 0.4) calc(var(--no) + var(--gap) / 2 - 1px) calc(var(--no) + var(--gap) / 2), transparent calc(var(--no) + var(--gap) / 2)),
    var(--tape);
  box-shadow: inset 0 0 0 1px var(--rule), 0 40px 80px -64px rgba(13, 59, 46, 0.6);
}
.fn-sheet__head { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; align-items: end; margin-left: calc(var(--no) + var(--gap)); padding-bottom: 16px; border-bottom: 3px double var(--ink); }
.fn-sheet__form { grid-column: 1; font-family: var(--mono); font-size: 0.7rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); }
.fn-sheet__title { grid-column: 1; font-size: clamp(1.3rem, 2vw, 1.6rem); font-weight: 650; font-stretch: 108%; letter-spacing: -0.02em; line-height: 1.1; }
.fn-sheet__tag {
  grid-column: 2; grid-row: 1 / span 2; justify-self: end; align-self: center;
  padding: 6px 10px; border-radius: 4px; box-shadow: inset 0 0 0 1.5px var(--tick-ink);
  font-family: var(--mono); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--tick-ink);
  transform: rotate(-2deg); text-align: center; max-width: 15em;
}
.fn-sheet__unit { grid-column: 1 / -1; font-size: 0.82rem; color: var(--muted); }
.fn-part { margin: 22px 0 4px calc(var(--no) + var(--gap)); font-family: var(--mono); font-size: 0.7rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--eyeshade); }
.fn-line {
  display: grid; grid-template-columns: var(--no) minmax(0, 1fr) var(--amt); column-gap: var(--gap); align-items: center;
  min-height: 50px; padding: 5px 0; border-bottom: 1px solid rgba(13, 59, 46, 0.12);
}
.fn-line__no { justify-self: end; font-family: var(--mono); font-size: 0.78rem; font-weight: 500; color: var(--muted); font-variant-numeric: tabular-nums; }
.fn-line__label { min-width: 0; padding: 0; font-size: 0.98rem; font-weight: 560; line-height: 1.35; }
.fn-line__hint { display: block; margin-top: 2px; font-size: 0.82rem; font-weight: 400; line-height: 1.4; color: var(--muted); }
.fn-line__calc { display: block; margin-top: 2px; font-family: var(--mono); font-size: 0.7rem; font-weight: 500; letter-spacing: 0.04em; color: var(--muted); }
.fn-line__amt, .fn-out { justify-self: stretch; text-align: right; font-family: var(--mono); font-size: 1rem; font-weight: 500; font-variant-numeric: tabular-nums; }
.fn-line__err { grid-column: 2 / -1; margin-top: 6px; font-size: 0.86rem; font-weight: 500; color: var(--tick-ink); }
.fn-line__err:empty { display: none; }
.fn-field { position: relative; display: flex; align-items: center; min-width: 0; }
.fn-field__fix { position: absolute; left: 12px; font-family: var(--mono); font-size: 0.95rem; color: var(--muted); pointer-events: none; }
.fn-field__unit { margin-left: 8px; flex: none; font-family: var(--mono); font-size: 0.8rem; color: var(--muted); }
.fn-in {
  width: 100%; min-width: 0; min-height: 46px; padding: 10px 12px 10px 26px;
  border: 1px solid var(--rule-strong); border-radius: var(--r-sm); background: var(--paper-white);
  font-family: var(--mono); font-size: 1rem; font-weight: 500; text-align: right; font-variant-numeric: tabular-nums; color: var(--ink);
  -webkit-appearance: none; appearance: none;
}
.fn-field--unit .fn-in { padding-left: 12px; }
.fn-field--less .fn-in { padding-left: 34px; }
.fn-in:focus { outline: 2px solid var(--eyeshade); outline-offset: 1px; border-color: var(--eyeshade); }
.fn-in[aria-invalid='true'] { border-color: var(--tick-ink); box-shadow: inset 0 0 0 1px var(--tick-ink); }
@media (hover: hover) { .fn-in:hover { border-color: var(--eyeshade); } }
.fn-line--out { background: linear-gradient(90deg, transparent calc(var(--no) + var(--gap) / 2), rgba(13, 59, 46, 0.035) calc(var(--no) + var(--gap) / 2)); }
.fn-line--out .fn-line__no { color: var(--eyeshade); font-weight: 600; }
.fn-line--out .fn-out { padding-right: 12px; }
/* Accounting rules: a single rule over a subtotal, a double rule under the total. */
.fn-line--sub .fn-out { padding-top: 6px; box-shadow: inset 0 1px 0 var(--ink); }
.fn-line--sub.is-short .fn-out { color: var(--tick-ink); }
.fn-line--total { grid-template-columns: var(--no) minmax(0, 1fr) auto; min-height: 72px; border-bottom: 0; }
.fn-line--total .fn-out { white-space: nowrap; }
.fn-line--total .fn-line__label { font-size: 1.06rem; font-weight: 640; }
.fn-line--total .fn-out { justify-self: end; padding: 4px 12px 2px 30px; border-bottom: 4px double var(--ink); font-size: 1.12rem; font-weight: 600; color: var(--eyeshade);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4 10.5l4 4 8-9' fill='none' stroke='%23d7392b' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") 4px 50% / 18px no-repeat;
}
.fn-ws[data-state='invalid'] .fn-line--out .fn-out { color: var(--muted); }
.fn-ws[data-state='invalid'] .fn-line--total .fn-out { background: none; padding-left: 12px; color: var(--tick-ink); border-bottom-color: var(--rule-strong); }
.fn-line--cov { align-items: start; }
.fn-line--cov .fn-line__no { padding-top: 2px; }
.fn-cov { grid-column: 2 / -1; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 26px; min-width: 0; margin: 0; padding: 0; border: 0; }
.fn-cov .fn-line__label { float: left; }
.fn-cov__opts { grid-column: 2; grid-row: 1 / span 2; align-self: start; display: flex; gap: 6px; }
.fn-cov__opt { position: relative; display: inline-flex; }
.fn-cov__opt input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.fn-cov__opt span {
  display: inline-flex; align-items: center; justify-content: center; min-width: 64px; min-height: 44px; padding: 0 10px; border-radius: var(--r-sm);
  background: var(--paper-white); box-shadow: inset 0 0 0 1px var(--rule-strong);
  font-family: var(--mono); font-size: 0.92rem; font-weight: 500; font-variant-numeric: tabular-nums; pointer-events: none;
  transition: background-color var(--fast) var(--ease-out), box-shadow var(--fast) var(--ease-out), color var(--fast) var(--ease-out);
}
.fn-cov__opt input:checked + span { background: var(--eyeshade); color: var(--paper-white); box-shadow: inset 0 0 0 1px var(--eyeshade); }
.fn-cov__opt input:focus-visible + span { outline: 2px solid var(--eyeshade); outline-offset: 2px; }
@media (hover: hover) { .fn-cov__opt:hover input:not(:checked) + span { box-shadow: inset 0 0 0 1px var(--eyeshade); } }
.fn-cov__note { grid-column: 1; font-size: 0.82rem; line-height: 1.45; color: var(--ink-2); }
.fn-sheet__tools { margin: 18px 0 0 calc(var(--no) + var(--gap)); display: flex; flex-wrap: wrap; gap: 8px; }
.fn-tool {
  min-height: 44px; padding: 0 14px; border: 0; border-radius: var(--r-sm); cursor: pointer;
  background: transparent; box-shadow: inset 0 0 0 1px var(--rule-strong);
  font-family: var(--mono); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--eyeshade);
  transition: box-shadow var(--fast) var(--ease-out), background-color var(--fast) var(--ease-out);
}
@media (hover: hover) { .fn-tool:hover { box-shadow: inset 0 0 0 1px var(--eyeshade); background: rgba(13, 59, 46, 0.05); } }
.fn-sheet__nojs { margin: 16px 0 0 calc(var(--no) + var(--gap)); font-size: 0.88rem; color: var(--ink-2); }

/* The readout: a dark machine panel beside the paper. */
.fn-read {
  --fn-red-night: #ff8a80;
  position: sticky; top: 96px; min-width: 0;
  padding: clamp(22px, 2.4vw, 30px);
  border-radius: var(--r-lg);
  background: radial-gradient(80% 50% at 100% 0%, rgba(50, 132, 96, 0.22), transparent 70%), var(--night);
  color: var(--on-night);
  box-shadow: 0 50px 90px -60px rgba(10, 26, 20, 0.9);
}
.fn-read :focus-visible { outline-color: var(--mint); }
.fn-read__brand { display: flex; justify-content: space-between; gap: 12px; padding-bottom: 12px; border-bottom: 1px dashed rgba(168, 226, 192, 0.25); font-family: var(--mono); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: #7fa892; }
.fn-read__title { margin-top: 18px; font-family: var(--mono); font-size: 0.74rem; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase; color: var(--on-night-muted); }
.fn-read__big { margin-top: 8px; display: flex; flex-wrap: wrap; align-items: baseline; gap: 0 12px; font-family: var(--mono); font-variant-numeric: tabular-nums; color: var(--mint); line-height: 1.05; }
.fn-read__big [data-fin-big-v] { font-size: clamp(2rem, 3.4vw, 2.9rem); font-weight: 500; letter-spacing: -0.03em; }
.fn-read__about { font-size: 1rem; color: var(--on-night-muted); }
.fn-read__about:empty { display: none; }
.fn-read__big[data-state='none'] [data-fin-big-v], .fn-read__big[data-state='invalid'] [data-fin-big-v] { font-size: clamp(1.6rem, 2.6vw, 2.1rem); color: var(--fn-red-night); }
.fn-read__sub { margin-top: 10px; font-size: 0.92rem; line-height: 1.5; color: var(--on-night); }
.fn-read__rows { margin-top: 18px; display: grid; }
.fn-read__rows > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: baseline; gap: 12px; padding: 9px 0; border-top: 1px solid var(--night-rule); }
.fn-read__rows dt { font-size: 0.88rem; color: var(--on-night-muted); }
.fn-read__rows dd { margin: 0; text-align: right; white-space: nowrap; font-family: var(--mono); font-size: 0.95rem; font-weight: 500; font-variant-numeric: tabular-nums; color: var(--on-night); }
.fn-read__worth dd { color: var(--mint); }
.fn-verdict { margin-top: -2px; text-align: right; font-size: 0.84rem; color: var(--mint); }
.fn-verdict.is-under { color: var(--fn-red-night); }
.fn-verdict:empty { display: none; }
.fn-read[data-state='invalid'] .fn-bars, .fn-read[data-state='invalid'] .fn-read__rows { opacity: 0.4; }

.fn-bars { display: none; margin-top: 20px; gap: 12px; }
.js .fn-bars { display: grid; }
.fn-bar__k { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 6px; font-family: var(--mono); font-size: 0.66rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--on-night-muted); }
.fn-bar__k span:last-child { color: var(--on-night); font-variant-numeric: tabular-nums; }
.fn-bar__track { position: relative; display: block; height: 12px; overflow: hidden; border-radius: 3px; background: rgba(231, 238, 232, 0.07); }
.fn-bar__seg, .fn-bar__off, .fn-bar__line { position: absolute; inset: 0; display: block; transform-origin: 0 50%; }
.fn-bar__seg { transform: scaleX(0); }
.fn-bar__off, .fn-bar__line { transform: translateX(0); }
.fn-bar__seg--cash { background: rgba(168, 226, 192, 0.32); }
.fn-bar__seg--old { background: #5f8572; }
.fn-bar__seg--new { background: var(--mint); }
.fn-bar__seg--new.is-over { background: var(--tick); }
.fn-bar__line::before { content: ''; position: absolute; left: -1px; top: 0; bottom: 0; width: 2px; background: var(--fn-red-night); }
.fn-bars__key { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 0.74rem; color: var(--on-night-muted); }
.fn-bars__key > span { display: inline-flex; align-items: center; gap: 6px; }
.fn-bars__sw { display: inline-block; width: 10px; height: 10px; border-radius: 2px; }
.fn-bars__sw--old { background: #5f8572; }
.fn-bars__sw--new { background: var(--mint); }
.fn-bars__sw--line { width: 2px; height: 12px; border-radius: 0; background: var(--fn-red-night); }

.fn-check { margin-top: 22px; padding-top: 18px; border-top: 1px dashed rgba(168, 226, 192, 0.25); }
.fn-check__label { display: block; margin-bottom: 8px; font-size: 0.95rem; font-weight: 600; }
.fn-field--night .fn-in { background: #0b1712; border-color: rgba(168, 226, 192, 0.32); color: var(--on-night); }
.fn-field--night .fn-field__fix { color: var(--on-night-muted); }
.fn-field--night .fn-in:focus { outline-color: var(--mint); border-color: var(--mint); }
.fn-field--night .fn-in[aria-invalid='true'] { border-color: var(--fn-red-night); box-shadow: inset 0 0 0 1px var(--fn-red-night); }
.fn-check .fn-line__err { color: var(--fn-red-night); }
.fn-check .fn-read__rows { margin-top: 10px; }
.fn-read__legal { margin-top: 20px; font-size: 0.8rem; line-height: 1.5; color: var(--on-night-muted); }
.fn-read__send { margin-top: 18px; width: 100%; justify-content: space-between; white-space: normal; text-align: left; }
.fn-read__note { margin-top: 10px; font-size: 0.86rem; color: var(--mint); }
.fn-read__note:empty { display: none; }

.fn-uw { margin-top: clamp(40px, 5vw, 64px); }
.fn-uw__title { padding-bottom: 12px; border-bottom: 2px solid var(--ink); font-size: clamp(1.2rem, 1.8vw, 1.45rem); font-weight: 640; font-stretch: 106%; letter-spacing: -0.015em; }
.fn-facts { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); gap: 0 clamp(20px, 3vw, 40px); }
.fn-fact { display: grid; align-content: start; gap: 4px; padding: 12px 0 10px; border-bottom: 1px solid var(--rule); min-width: 0; }
.fn-fact__k { font-family: var(--mono); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.fn-fact__v { margin: 0; display: grid; gap: 4px; justify-items: start; }
.fn-fact__val { font-size: 1.1rem; font-weight: 620; font-stretch: 104%; line-height: 1.3; color: var(--ink); font-variant-numeric: tabular-nums; }
.fn-fact__d { font-size: 0.88rem; line-height: 1.5; color: var(--ink-2); }

/* ---------- Programs ---------- */
.fn-plist { border-top: 2px solid var(--ink); }
.fn-prog { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 9fr); gap: 12px clamp(20px, 3vw, 48px); padding: 26px 0 20px; border-bottom: 1px solid var(--rule-strong); }
.fn-prog__head { grid-row: 1 / span 2; min-width: 0; }
.fn-prog > .fn-swipe, .fn-prog > .fn-more, .fn-prog > .fn-prog__general { grid-column: 2; min-width: 0; }
.fn-prog__name { font-size: clamp(1.4rem, 2.2vw, 2rem); font-weight: 650; font-stretch: 108%; letter-spacing: -0.025em; line-height: 1.1; }
.fn-prog__best { margin-top: 12px; max-width: 26em; font-size: 0.95rem; line-height: 1.5; color: var(--ink-2); }
.fn-prog__k { display: block; margin-bottom: 4px; font-family: var(--mono); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--eyeshade); }
.fn-prog .fn-facts { grid-template-columns: repeat(3, minmax(0, 1fr)); column-gap: clamp(20px, 2.4vw, 36px); row-gap: 14px; }
.fn-prog .fn-fact { padding-top: 0; border-bottom: 0; }
.fn-prog .fn-more--sub { margin-top: 0; border-top: 1px solid var(--rule); border-bottom: 0; }
.fn-prog .fn-more--sub .fn-more__sum { padding-block: 10px; }
.fn-prog .fn-more--sub .fn-more__title { font-size: 0.98rem; font-weight: 600; }
.fn-prog .fn-more--sub .fn-facts { padding-top: 8px; }
.fn-more--cov { margin-top: clamp(28px, 3vw, 40px); }
.fn-prog__general { max-width: 46em; color: var(--ink-2); line-height: 1.55; }
.fn-more { margin-top: clamp(32px, 4vw, 48px); border-top: 2px solid var(--ink); border-bottom: 1px solid var(--rule-strong); }
.fn-more__sum { position: relative; display: flex; flex-wrap: wrap; align-items: baseline; gap: 4px 16px; padding: 20px 56px 20px 0; cursor: pointer; list-style: none; }
.fn-more__sum::-webkit-details-marker { display: none; }
.fn-more__sum::before, .fn-more__sum::after { content: ''; position: absolute; right: 4px; top: 50%; width: 30px; height: 30px; margin-top: -15px; border-radius: var(--r-sm); }
.fn-more__sum::before { box-shadow: inset 0 0 0 1px var(--rule-strong); }
.fn-more__sum::after {
  background: linear-gradient(var(--eyeshade), var(--eyeshade)) 50% 50% / 12px 1.6px no-repeat, linear-gradient(var(--eyeshade), var(--eyeshade)) 50% 50% / 1.6px 12px no-repeat;
  transition: transform 360ms var(--ease-spring);
}
.fn-more[open] .fn-more__sum::after { transform: rotate(45deg); }
.fn-more__title { font-size: clamp(1.2rem, 1.8vw, 1.45rem); font-weight: 640; font-stretch: 106%; letter-spacing: -0.015em; text-wrap: balance; }
.fn-more__n { font-family: var(--mono); font-size: 0.72rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.fn-more .fn-facts { padding-bottom: 12px; }
@media (hover: hover) { .fn-more__sum:hover::before { background-color: rgba(13, 59, 46, 0.06); } }

/* ---------- What we prepare ---------- */
.fn-prep__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 96px); align-items: start; }
.fn-prep__intro .section__head { margin-bottom: 32px; }
.fn-prep__fig img { width: 100%; height: auto; border-radius: var(--r-lg); box-shadow: 0 40px 80px -60px rgba(13, 59, 46, 0.6); }
.fn-prep__lists { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px clamp(20px, 3vw, 40px); align-items: start; padding-top: 8px; }
.fn-prep__lists > .fn-link { grid-column: 1 / -1; }
.fn-prep__title { padding-bottom: 12px; border-bottom: 2px solid var(--ink); font-size: clamp(1.2rem, 1.8vw, 1.45rem); font-weight: 640; font-stretch: 106%; letter-spacing: -0.015em; }
.fn-prep__list li { position: relative; padding: 12px 0 12px 28px; border-bottom: 1px solid var(--rule); font-size: 0.96rem; color: var(--ink-2); line-height: 1.5; }
.fn-prep__list li::before {
  content: ''; position: absolute; left: 0; top: 14px; width: 18px; height: 18px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4 10.5l4 4 8-9' fill='none' stroke='%23d7392b' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat;
}
.fn-prep__list strong { font-weight: 640; color: var(--ink); }

/* ---------- Process (night) ---------- */
.fn-steps { background: radial-gradient(55% 55% at 90% 10%, rgba(50, 132, 96, 0.2), transparent 70%), var(--night); color: var(--on-night); overflow: clip; }
.fn-steps .section__lede { color: var(--on-night-muted); }
.fn-steps__grid { display: grid; grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: clamp(40px, 5vw, 80px); align-items: start; }
.fn-steps__list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); grid-template-rows: repeat(4, auto); grid-auto-flow: column; column-gap: clamp(20px, 3vw, 40px); }
.fn-step { display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: 14px; padding: 16px 0; border-top: 1px solid var(--night-rule); }
.fn-step__n { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 50%; box-shadow: inset 0 0 0 1.5px rgba(168, 226, 192, 0.55); font-family: var(--mono); font-size: 0.82rem; font-weight: 600; color: var(--mint); }
.fn-step__title { font-size: 1.12rem; font-weight: 630; font-stretch: 104%; }
.fn-step p { margin-top: 4px; font-size: 0.96rem; color: var(--on-night-muted); line-height: 1.5; }
.fn-step:last-child .fn-step__n { background: var(--mint); color: var(--night); box-shadow: none; }
.fn-step:last-child .fn-step__title { color: var(--mint); }
.fn-steps__fig { position: sticky; top: 112px; }
.fn-steps__fig img { width: 100%; height: auto; border-radius: var(--r-lg); box-shadow: 0 40px 80px -50px rgba(0, 0, 0, 0.6); }

/* ---------- Accuracy and disclosure: notes to the statements ---------- */
.fn-notes { background: var(--ledger-hi); border-bottom: 1px solid var(--rule); }
.fn-notes__grid { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: clamp(36px, 5vw, 80px); align-items: start; }
.fn-notes__head { position: sticky; top: 112px; }
.fn-notes__grid > .fn-more { grid-column: 2; }
.fn-notes__stance { margin-top: 26px; padding-top: 18px; border-top: 2px solid var(--ink); font-size: clamp(1.5rem, 2.4vw, 2.1rem); font-weight: 650; font-stretch: 108%; letter-spacing: -0.03em; line-height: 1.1; color: var(--eyeshade); }
.fn-notes__list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 clamp(24px, 3vw, 48px); border-top: 2px solid var(--ink); }
.fn-note { display: grid; align-content: start; gap: 6px; padding: 20px 0 18px; border-bottom: 1px solid var(--rule); min-width: 0; }
.fn-note--lead { grid-column: 1 / -1; padding: 24px 0 22px; border-bottom-color: var(--rule-strong); }
.fn-note__k { font-family: var(--mono); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--tick-ink); }
.fn-note__title { font-size: 1.04rem; font-weight: 630; font-stretch: 104%; line-height: 1.35; }
.fn-note--lead .fn-note__title { font-size: clamp(1.2rem, 1.8vw, 1.45rem); }
.fn-note__val { font-family: var(--mono); font-size: 0.95rem; color: var(--eyeshade); }
.fn-note__body { font-size: 0.92rem; line-height: 1.55; color: var(--ink-2); }
.fn-note--lead .fn-note__body { font-size: 1rem; max-width: 46em; }
.fn-note .fn-src { justify-self: start; }
.fn-notes__list--more { border-top: 0; }
.fn-more--notes { margin-top: 0; border-top: 0; }

/* ---------- FAQ ---------- */
.fn-page .faq__grid .section__head { margin-bottom: 0; }
.fn-qa__src { margin-top: 10px; display: flex; flex-wrap: wrap; gap: 0 16px; }

/* ---------- Request form ---------- */
.fn-req { background: var(--ledger-hi); border-top: 1px solid var(--rule); }
.fn-req__grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(300px, 4fr); gap: clamp(40px, 6vw, 96px); align-items: start; }
.fn-req__main { min-width: 0; }
.fn-attach { padding: 18px 20px; border-radius: var(--r-md); background: var(--tape); box-shadow: inset 0 0 0 1px var(--rule-strong); }
.fn-attach__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.fn-attach__k { font-family: var(--mono); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--eyeshade); }
.fn-attach__x { min-height: 44px; padding: 0 12px; border: 0; border-radius: var(--r-sm); cursor: pointer; background: transparent; box-shadow: inset 0 0 0 1px var(--rule-strong); font-size: 0.86rem; font-weight: 600; color: var(--ink); }
.fn-attach__body { margin-top: 10px; max-height: 240px; overflow: auto; white-space: pre-line; font-family: var(--mono); font-size: 0.78rem; line-height: 1.6; color: var(--ink-2); }
.fn-req__aside { display: grid; gap: 14px; position: sticky; top: 104px; }
.fn-next { padding: clamp(22px, 2.4vw, 30px); border-radius: var(--r-lg); background: var(--tape); box-shadow: inset 0 0 0 1px var(--rule), 0 30px 60px -50px rgba(13, 59, 46, 0.5); }
.fn-next__title { font-size: 1.12rem; font-weight: 640; font-stretch: 106%; }
.fn-next__list { margin-top: 16px; display: grid; gap: 16px; }
.fn-next__list li { display: grid; grid-template-columns: 32px minmax(0, 1fr); gap: 14px; }
.fn-next__n { width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; box-shadow: inset 0 0 0 1.5px var(--eyeshade); font-family: var(--mono); font-size: 0.8rem; font-weight: 600; color: var(--eyeshade); }
.fn-next__list h4 { font-size: 0.98rem; font-weight: 620; }
.fn-next__list p { margin-top: 3px; font-size: 0.9rem; line-height: 1.5; color: var(--ink-2); }
.fn-other { padding: clamp(22px, 2.4vw, 30px); border-radius: var(--r-lg); background: var(--eyeshade); color: #e8f1eb; display: grid; justify-items: start; }
.fn-other__k { font-family: var(--mono); font-size: 0.7rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--mint); }
.fn-other__k + * { margin-top: 2px; }
.fn-other > * + .fn-other__k { margin-top: 14px; }
.fn-other__mail { display: inline-flex; align-items: center; min-height: 44px; font-size: 1.12rem; font-weight: 600; color: var(--paper-white); text-underline-offset: 4px; }
.fn-other :focus-visible { outline-color: var(--mint); }
.fn-receipt { margin-top: 0; }

/* ---------- Sources ---------- */
.fn-sources { padding: clamp(32px, 4vw, 56px) 0; border-top: 1px solid var(--rule); }
.fn-sources .fn-more { margin-top: 0; border-top-width: 1px; }
.fn-sources__list { margin: 4px 0 20px; padding-left: 1.6em; list-style: decimal; columns: 2; column-gap: 48px; font-size: 0.86rem; line-height: 1.5; color: var(--ink-2); }
.fn-sources__list li { margin-bottom: 8px; break-inside: avoid; }
.fn-sources__list a { color: var(--eyeshade); text-underline-offset: 3px; }

/* The phone readout: pinned to the bottom of the sheet while it scrolls, in flow at the sheet's end (no layout shift). */
.fn-mini { display: none; }
@media (max-width: 1180px) {
  html:has(.fn-page) { scroll-padding-bottom: 96px; }
  .js .fn-mini {
    position: sticky; bottom: max(10px, env(safe-area-inset-bottom)); z-index: 5;
    display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; align-items: center;
    margin: 18px 0 0 calc(var(--no) + var(--gap)); padding: 10px 14px;
    border-radius: var(--r-md); background: var(--night); color: var(--on-night);
    box-shadow: 0 14px 30px -14px rgba(10, 26, 20, 0.7);
  }
  .fn-mini__item { display: grid; gap: 2px; min-width: 0; }
  .fn-mini__item + .fn-mini__item { text-align: right; }
  .fn-mini__k { font-family: var(--mono); font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--on-night-muted); }
  /* Sized to the window so "about $1,383,000" and the coverage share one row from 320 px up. */
  .fn-mini__v { font-family: var(--mono); font-size: clamp(0.8rem, 3.6vw, 1rem); font-weight: 500; font-variant-numeric: tabular-nums; color: var(--mint); white-space: nowrap; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .fn-ws { grid-template-columns: minmax(0, 1fr); }
  .fn-read { position: static; }
}
@media (max-width: 980px) {
  .fn-hero { padding-top: 120px; }
  .fn-hero__row, .fn-band__grid, .fn-prep__grid, .fn-steps__grid, .fn-req__grid, .fn-prog { grid-template-columns: minmax(0, 1fr); }
  .fn-hero__art { margin-right: calc(-1 * var(--gutter)); }
  .fn-steps__fig, .fn-notes__head, .fn-req__aside { position: static; }
  .fn-notes__grid { grid-template-columns: minmax(0, 1fr); }
  .fn-notes__grid > .fn-more { grid-column: 1; }
  .fn-steps__fig { max-width: 480px; }
  .fn-band__fig { order: -1; max-width: 640px; }
  .fn-prog__head { grid-row: auto; }
  .fn-prog > .fn-swipe, .fn-prog > .fn-more, .fn-prog > .fn-prog__general { grid-column: 1; }
  .fn-sources__list { columns: 1; }
}
@media (max-width: 720px) {
  .fn-hero__title { font-stretch: 100%; letter-spacing: -0.035em; font-size: clamp(2.2rem, 9.6vw, 3.2rem); }
  .fn-hero__actions { flex-direction: column; align-items: stretch; }
  .fn-hero__actions .btn { justify-content: space-between; }
  .fn-hero__actions .fn-link { justify-content: center; }
  .fn-band__cta { flex-direction: column; align-items: stretch; }
  .fn-band__cta .btn { justify-content: space-between; }
  .fn-band__cta .text-link { justify-content: center; }
  .fn-review__cols { display: none; }
  .fn-review__row { grid-template-columns: minmax(0, 1fr); gap: 6px; }
  .fn-review__fix { padding-left: 30px; font-size: 0.96rem; }
  .fn-notes__list, .fn-prep__lists { grid-template-columns: minmax(0, 1fr); }
  .fn-steps__list { grid-template-columns: minmax(0, 1fr); grid-template-rows: none; grid-auto-flow: row; }
  .fn-steps__fig img { aspect-ratio: 16 / 10; object-fit: cover; object-position: 50% 45%; }
  .fn-swipe {
    margin-inline: calc(-1 * var(--gutter)); padding: 2px var(--gutter) 8px; overflow-x: auto; overscroll-behavior-x: contain;
    scroll-snap-type: x mandatory; scroll-padding-inline: var(--gutter); scrollbar-width: thin;
  }
  .fn-swipe:focus-visible { outline-offset: -2px; }
  .fn-swipe > .fn-facts {
    display: grid; grid-auto-flow: column; grid-auto-columns: minmax(78%, 1fr); grid-template-columns: none; gap: 10px;
  }
  .fn-swipe > .fn-facts > .fn-fact { scroll-snap-align: start; padding: 14px 14px 10px; border-radius: var(--r-md); background: var(--tape); box-shadow: inset 0 0 0 1px var(--rule); }
  .fn-sheet { --no: 24px; --gap: 12px; --amt: minmax(118px, 42%); padding-right: 12px; }
  .fn-line__label { font-size: 0.94rem; }
  .fn-line__hint { font-size: 0.8rem; }
  .fn-line--total { grid-template-columns: var(--no) minmax(0, 1fr); row-gap: 6px; }
  .fn-line--total .fn-out { grid-column: 2; justify-self: end; }
  .fn-sheet__head { grid-template-columns: minmax(0, 1fr); }
  .fn-sheet__tag { grid-column: 1; grid-row: auto; justify-self: start; margin: 8px 0 4px; }
  .fn-cov { grid-template-columns: minmax(0, 1fr); }
  .fn-cov__opts { grid-column: 1; grid-row: auto; flex-wrap: wrap; }
  .fn-field__unit { min-width: 2.6em; font-size: 0.74rem; }
  .fn-attach__body { font-size: 0.74rem; }
  .fn-note { padding: 14px 0 12px; }
  .fn-prep__list li { padding-block: 10px; }
  .fn-step { padding: 12px 0; }
  .fn-review__row { padding: 14px 0 15px; }
  .fn-other__mail { font-size: 1rem; }
}
@media (max-width: 400px) {
  .fn-cov__opt span { min-width: 58px; }
  .fn-read__big [data-fin-big-v] { font-size: 1.8rem; }
}
/* The smallest phones stack each line: label above its figure. */
@media (max-width: 340px) {
  .fn-line { grid-template-columns: var(--no) minmax(0, 1fr); row-gap: 6px; }
  .fn-line > .fn-field, .fn-line > .fn-out { grid-column: 2; }
  .fn-line--out .fn-out { justify-self: end; }
}
@media (prefers-reduced-motion: reduce) {
  .fn-bar__seg, .fn-bar__off, .fn-bar__line { transition: none; }
}
@media print {
  .fn-read { position: static; }
  .fn-hero, .fn-steps { background: var(--tape); color: var(--ink); }
}