/* =========================================================
   RedArrowLoans homepage styles — SCOPED under #home so nothing
   here leaks into the funnel form (app.css). Landing page only.
   Palette: var(--brand) / var(--brand-accent) / #f2f2f2
   ========================================================= */

/* ---------- Base / reset (scoped) ---------- */
#home, #home *{box-sizing:border-box}
#home{background:#f2f2f2;color:#131A16;font-family:'DM Sans',system-ui,-apple-system,'Segoe UI',sans-serif;font-weight:400;-webkit-font-smoothing:antialiased;font-size:16px;line-height:1.62;font-variant-numeric:tabular-nums;overflow-x:hidden}
#home h1,#home h2,#home h3,#home p,#home li,#home dt,#home dd,#home a,#home span,#home strong,#home label,#home button,#home input,#home select{font-family:inherit}
#home a{color:var(--brand);text-decoration:none}
#home a:hover{color:var(--brand-accent)}
#home a.u{text-decoration:underline;text-underline-offset:3px}
#home input[type=range]{accent-color:var(--brand);height:28px;width:100%}
#home :focus-visible{outline:3px solid var(--brand);outline-offset:3px}

#home .brand-logo-img{height:34px;width:auto;display:block}
#home .footer-logo-img{height:28px;width:auto;display:block;filter:brightness(0) invert(1);opacity:.4}

/* ---------- data-reveal fade-up ---------- */
@keyframes home-fade-up{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
#home [data-reveal]{animation:home-fade-up .6s ease both}
@media (prefers-reduced-motion:reduce){
  #home [data-reveal]{animation:none !important}
  #home *{transition-duration:.001ms !important}
}

/* ---- Site header ---- */
#home .site-header{position:sticky;top:0;z-index:30;background:#f2f2f2F5;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
#home .site-topbar{max-width:1300px;margin:0 auto;padding:10px 34px;display:flex;flex-wrap:wrap;gap:6px 26px;justify-content:space-between;font-size:12px;color:#595959;border-bottom:1px solid #dcdcdc}
#home .site-topbar p{margin:0}
#home .site-topbar-phone{display:flex;align-items:center;gap:7px}
#home .site-topbar-phone svg{flex:none}
#home #header-row{max-width:1300px;margin:0 auto;padding:18px 34px;display:flex;align-items:center;justify-content:space-between;gap:16px;border-bottom:1px solid #dcdcdc}
#home .site-logo{display:flex;align-items:center;gap:11px;color:#131A16}
#home #main-nav{display:flex;gap:28px;font-size:14px}
#home #main-nav a{color:#595959}
#home #header-cta{background:var(--brand);color:#FFFFFF;font-size:15px;font-weight:600;padding:13px 24px;border-radius:6px;white-space:nowrap;transition:background .18s ease}
#home #header-cta:hover{background:var(--brand-accent);color:#FFFFFF}
#home #nav-toggle{display:none;align-items:center;justify-content:center;gap:8px;background:none;border:1px solid #dcdcdc;border-radius:6px;padding:11px 16px;font:inherit;font-size:15px;font-weight:600;color:#131A16;min-height:44px;cursor:pointer}

/* ---- Mobile nav overlay ---- */
#home #mobile-nav{display:none;position:fixed;inset:0;z-index:60;flex-direction:column;align-items:center;justify-content:center;gap:2px;background:var(--brand-accent);padding:88px 24px;text-align:center;overflow-y:auto}
#home #mobile-nav.is-open{display:flex}
#home .mobile-nav-close{position:absolute;top:22px;right:22px;display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;background:none;border:1px solid rgba(255,255,255,.4);border-radius:6px;color:#FFFFFF;cursor:pointer}
#home #mobile-nav a{color:#FFFFFF;font-size:20px;font-weight:600;padding:15px 12px}
#home .mobile-nav-cta{margin-top:22px;background:#f2f2f2;color:var(--brand-accent);font-size:18px;font-weight:700;padding:17px 40px;border-radius:6px;white-space:nowrap}

/* ---- Hero ---- */
#home .hero{max-width:1300px;margin:0 auto;padding:46px 34px 0}
#home .hero-eyebrow{margin:0 0 22px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home #hero-title{margin:0 0 34px;font-size:clamp(40px,7vw,88px);line-height:.98;letter-spacing:-.045em;font-weight:700;max-width:22ch;text-wrap:balance}
#home #hero-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:52px;align-items:end;padding-bottom:38px;border-bottom:1px solid #dcdcdc}
#home .hero-lead{margin:0;font-size:17px;line-height:1.6;color:#595959;max-width:62ch}
#home .hero-actions{display:flex;flex-direction:column;gap:14px;align-items:flex-start}
#home .btn-hero{background:var(--brand);color:#FFFFFF;font-size:18px;font-weight:600;padding:19px 38px;border-radius:6px;white-space:nowrap;transition:background .18s ease;cursor:pointer;border:0}
#home .btn-hero:hover{background:var(--brand-accent);color:#FFFFFF}
#home .hero-how-link{font-size:16px;font-weight:600}
#home #hero-trio{display:flex;flex-wrap:nowrap;gap:34px;padding:24px 0 40px}
#home .hero-trio-item{display:flex;align-items:center;gap:10px;min-width:0}
#home .hero-trio-item svg{flex:none;fill:var(--brand)}
#home .hero-trio-item p{margin:0;font-size:13px;font-weight:700;line-height:1.3}
#home #hero-art{position:relative;width:100%;height:340px;overflow:hidden}
#home #hero-art img{width:100%;height:100%;object-fit:cover}

/* ---- Identity disclosure banner ---- */
#home .identity-banner{margin-top:46px;background:var(--brand-accent);color:#FFFFFF}
#home .identity-inner{max-width:1300px;margin:0 auto;padding:64px 34px}
#home .identity-eyebrow{margin:0 0 16px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:#f2f2f2}
#home .identity-text{margin:0;font-size:clamp(19px,2.4vw,28px);line-height:1.44;letter-spacing:-.02em;max-width:44ch}
#home .identity-text .muted{color:#f2f2f2}

/* ---- Estimator ---- */
#home #estimator{max-width:1300px;margin:0 auto;padding:74px 34px}
#home .estimator-head{display:flex;flex-wrap:wrap;gap:16px;align-items:baseline;justify-content:space-between;margin-bottom:34px}
#home .estimator-eyebrow{margin:0 0 10px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home .estimator-title{margin:0;font-size:clamp(28px,3.6vw,40px);line-height:1.04;letter-spacing:-.035em;font-weight:700}
#home .estimator-subnote{margin:0;font-size:15px;color:#595959;max-width:40ch}
#home #est-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:#dcdcdc;border:1px solid #dcdcdc}
#home .estimator-field{background:#FFFFFF;padding:28px 26px}
#home .estimator-field label,#home .estimator-field > span:first-child{display:block;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#595959;margin-bottom:6px}
#home .estimator-value{font-size:38px;font-weight:700;letter-spacing:-.04em;line-height:1.1;margin-bottom:6px}
#home .estimator-range-labels{display:flex;justify-content:space-between;font-size:13px;color:#595959}
#home .term-group{display:flex;flex-wrap:wrap;gap:8px}
#home .estimator-field > span:first-child{margin-bottom:12px}
#home .term-btn{font:inherit;font-size:15px;font-weight:600;padding:11px 16px;border-radius:6px;cursor:pointer;border:1px solid #dcdcdc;background:#FFFFFF;color:#131A16;transition:background .15s ease,border-color .15s ease}
#home .term-btn.active{border-color:var(--brand);background:var(--brand);color:#FFFFFF}
#home .term-hint{margin:12px 0 0;font-size:13px;color:#595959}
#home .estimator-results{background:var(--brand);color:#FFFFFF;padding:34px 30px}
#home #est-out{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px}
#home .estimator-out-label{margin:0 0 4px;font-size:13px;color:#f2f2f2}
#home .estimator-out-value{margin:0;font-size:clamp(34px,4vw,46px);font-weight:700;letter-spacing:-.045em;line-height:1}
#home .estimator-bar{display:flex;height:10px;overflow:hidden;background:var(--brand-accent);margin:26px 0 8px}
#home .estimator-bar-principal{background:#FFFFFF;transition:width .3s ease}
#home .estimator-bar-interest{background:var(--brand-accent);transition:width .3s ease}
#home .estimator-bar-labels{display:flex;justify-content:space-between;font-size:13px;color:#f2f2f2}
#home .estimator-disclosure{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.3);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(300px,100%),1fr));gap:26px}
#home .estimator-disclosure p{margin:0;font-size:14px;line-height:1.55;color:#f2f2f2}
#home .estimator-disclosure strong{color:#FFFFFF}

/* ---- How it works / timeline ---- */
#home #how{background:#FFFFFF;border-top:1px solid #dcdcdc;border-bottom:1px solid #dcdcdc;overflow:hidden}
#home .how-inner{max-width:1040px;margin:0 auto;padding:78px 34px}
#home .how-eyebrow{margin:0 0 12px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home .how-title{margin:0 0 12px;font-size:clamp(28px,3.6vw,42px);line-height:1.04;letter-spacing:-.035em;font-weight:700;max-width:24ch;text-wrap:balance}
#home .how-lead{margin:0 0 56px;font-size:16px;color:#595959;max-width:56ch}
#home #tl{margin:0;padding:0;list-style:none;position:relative}
#home #tl-line{position:absolute;left:50%;top:8px;bottom:8px;width:2px;background:#dcdcdc;transform:translateX(-50%)}
#home #tl-fill{position:absolute;left:50%;top:8px;width:2px;height:0;background:var(--brand);transform:translateX(-50%);transition:height .18s linear;z-index:1}
#home .timeline-step{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:0 64px;padding-bottom:26px}
#home .timeline-dot{position:absolute;left:50%;top:34px;transform:translateX(-50%) scale(.55);width:20px;height:20px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 6px #FFFFFF;transition:transform .5s cubic-bezier(.2,.8,.2,1);z-index:2}
#home .timeline-dot--gold{background:var(--brand-accent)}
#home .timeline-step[data-in] .timeline-dot{transform:translateX(-50%) scale(1)}
#home .timeline-card{background:#FFFFFF;color:#131A16;border:1px solid #dcdcdc;border-radius:20px;padding:26px 28px;box-shadow:0 10px 30px rgba(19,26,22,.06);opacity:0;transform:translate3d(-28px,14px,0);transition:opacity .6s cubic-bezier(.2,.8,.2,1),transform .6s cubic-bezier(.2,.8,.2,1)}
#home .timeline-step[data-side="right"] .timeline-card{transform:translate3d(28px,14px,0)}
#home .timeline-step[data-in] .timeline-card{opacity:1;transform:translate3d(0,0,0)}
#home .timeline-card.dark{background:var(--brand-accent);color:#FFFFFF;border-color:var(--brand-accent)}
#home .timeline-card-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
#home .timeline-step-label{font-size:13px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--brand)}
#home .timeline-card.dark .timeline-step-label{color:#f2f2f2}
#home .timeline-step-rule{flex:1;height:1px;background:#dcdcdc}
#home .timeline-card.dark .timeline-step-rule{background:rgba(255,255,255,.25)}
#home .timeline-step-number{font-size:30px;font-weight:700;letter-spacing:-.05em;line-height:1;color:#dcdcdc}
#home .timeline-card.dark .timeline-step-number{color:rgba(255,255,255,.35)}
#home .timeline-card h3{margin:0 0 8px;font-size:21px;font-weight:700;letter-spacing:-.025em}
#home .timeline-card p{margin:0;font-size:15px;line-height:1.6;color:#595959}
#home .timeline-card.dark p{color:#f2f2f2}

/* ---- Where info goes / recipients ---- */
#home .recip-section{max-width:1300px;margin:0 auto;padding:74px 34px}
#home #recip-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:56px;align-items:start}
#home #recip-art{position:relative;width:100%;aspect-ratio:3/4;overflow:hidden}
#home #recip-art img{width:100%;height:100%;object-fit:cover}
#home .recip-eyebrow{margin:0 0 12px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home .recip-title{margin:0 0 14px;font-size:clamp(26px,3.4vw,38px);line-height:1.05;letter-spacing:-.035em;font-weight:700;max-width:22ch;text-wrap:balance}
#home .recip-lead{margin:0 0 30px;font-size:16px;color:#595959;max-width:52ch}
#home .recip-list{margin:0}
#home .recip-row{display:grid;grid-template-columns:auto 1fr;gap:18px;padding:20px 0;border-top:1px solid #dcdcdc}
#home .recip-row--last{border-bottom:1px solid #dcdcdc}
#home .recip-term{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);min-width:14ch}
#home .recip-desc{margin:0;font-size:15px;color:#595959}
#home .recip-footnote{margin:20px 0 0;font-size:14px;color:#595959;max-width:56ch}

/* ---- Market ---- */
#home #market{background:#FFFFFF;border-top:1px solid #dcdcdc;border-bottom:1px solid #dcdcdc}
#home .market-inner{max-width:1300px;margin:0 auto;padding:74px 34px}
#home .market-eyebrow{margin:0 0 12px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home .market-title{margin:0 0 12px;font-size:clamp(28px,3.6vw,42px);line-height:1.04;letter-spacing:-.035em;font-weight:700;max-width:22ch;text-wrap:balance}
#home .market-lead{margin:0 0 44px;font-size:15px;color:#595959;max-width:62ch}
#home #market-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
#home .market-hero-number{display:block;margin:0;font-size:clamp(64px,10vw,132px);font-weight:700;letter-spacing:-.055em;line-height:.86;color:var(--brand)}
#home .market-hero-caption{margin:16px 0 8px;font-size:19px;font-weight:600;line-height:1.34;max-width:26ch}
#home .market-hero-source{margin:0;font-size:13px;color:#595959}
#home .market-stats-list{margin:0}
#home .market-stat-row{display:flex;align-items:baseline;gap:20px;padding:18px 0;border-top:1px solid #dcdcdc}
#home .market-stat-row--last{border-bottom:1px solid #dcdcdc}
#home .market-stat-number{margin:0;min-width:5.5ch;font-size:34px;font-weight:700;letter-spacing:-.04em;line-height:1}
#home .market-stat-text{font-size:15px;font-weight:600;line-height:1.35}
#home .market-stat-source{margin:3px 0 0;font-size:13px;color:#595959}
#home .rate-panel{margin-top:44px;background:#f2f2f2;padding:32px 34px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(290px,100%),1fr));gap:40px;align-items:center}
#home .rate-panel-eyebrow{margin:0 0 8px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--brand)}
#home .rate-panel-number{display:block;margin:0 0 8px;font-size:clamp(30px,3.6vw,42px);font-weight:700;letter-spacing:-.045em;line-height:1}
#home .rate-panel-caption{margin:0;font-size:14px;color:#595959;max-width:34ch}
#home .rate-bars{display:grid;gap:16px}
#home .rate-bar-head{display:flex;justify-content:space-between;font-size:14px;margin-bottom:6px}
#home .rate-bar-head span{color:#595959}
#home .rate-bar-track{height:9px;background:#dcdcdc;overflow:hidden}
#home .rate-bar-fill{height:9px;width:0;transition:width 1.1s cubic-bezier(.22,.8,.3,1)}
#home .rate-bar-fill--primary{background:var(--brand)}
#home .rate-bar-fill--gold{background:var(--brand-accent)}
#home .rate-bar-fill--light{background:#999999}
#home .rate-bars-note{margin:0;font-size:13px;color:#595959}

/* ---- CTA ---- */
#home #start{background:var(--brand-2);color:#FFFFFF}
#home .cta-inner{max-width:1000px;margin:0 auto;padding:78px 34px;text-align:center}
#home .cta-eyebrow{margin:0 0 16px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:#FFFFFF}
#home .cta-title{margin:0 auto 16px;font-size:clamp(32px,5vw,60px);line-height:1;letter-spacing:-.045em;font-weight:700;max-width:20ch;text-wrap:balance}
#home .cta-lead{margin:0 auto 34px;font-size:17px;line-height:1.55;color:#FFFFFF;max-width:52ch}
#home .btn-cta{display:inline-block;background:var(--brand);color:#FFFFFF;font-size:19px;font-weight:700;padding:20px 44px;border-radius:6px;white-space:nowrap;transition:background .18s ease;cursor:pointer;border:0}
#home .btn-cta:hover{background:var(--brand-accent);color:#FFFFFF}
#home .cta-note{margin:16px 0 0;font-size:14px;color:#FFFFFF}
#home .cta-consent{margin-top:44px;padding-top:30px;border-top:1px solid rgba(255,255,255,.3);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(280px,100%),1fr));gap:28px;text-align:left}
#home .cta-next-eyebrow{margin:0 0 10px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#FFFFFF}
#home .cta-next-list{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:14px;color:#FFFFFF}
#home .cta-consent-text{margin:0;font-size:13px;line-height:1.6;color:#FFFFFF}
#home .cta-consent-text span{display:block}
#home .cta-consent-text span + span{margin-top:8px}
#home .cta-consent-text a{color:#FFFFFF}
#home .cta-consent-text strong{color:#FFFFFF}

/* ---- Borrowing responsibly / about ---- */
#home .info-section{max-width:1300px;margin:0 auto;padding:70px 34px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(300px,100%),1fr));gap:52px}
#home .info-section h2{margin:0 0 12px;font-size:23px;font-weight:700;letter-spacing:-.025em}
#home .info-section p{margin:0 0 14px;font-size:14px;color:#595959}
#home .info-links{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:14px}
#home .info-about p{margin:0;font-size:14px;color:#595959}

/* ---- Site footer ---- */
#home .site-footer{background:var(--brand-accent);color:#f2f2f2}
#home .footer-inner{max-width:1300px;margin:0 auto;padding:56px 34px 62px;display:grid;gap:30px;font-size:12px;line-height:1.65}
#home .footer-columns{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));gap:30px}
#home .footer-brand-row{display:flex;align-items:center;gap:10px;margin-bottom:12px}
#home .footer-brand p{margin:0}
#home .footer-col h3{margin:0 0 10px;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#f2f2f2}
#home .footer-col p{margin:0}
#home .footer-col a{color:#FFFFFF}
#home .footer-legal{padding-top:26px;border-top:1px solid rgba(255,255,255,.2);display:grid;gap:12px}
#home .footer-legal p{margin:0}
#home .footer-legal a{color:#FFFFFF}

/* ---- Responsive ---- */
@media (max-width:900px){
  #home [data-pad]{padding-left:20px !important;padding-right:20px !important}
  #home #main-nav,#home #header-cta{display:none !important}
  #home #nav-toggle{display:inline-flex !important}
  #home #hero-art{display:none !important}
  #home #hero-title{max-width:none !important;text-wrap:pretty !important}
  #home #hero-grid{grid-template-columns:minmax(0,1fr) !important;gap:30px !important}
  #home #est-row{grid-template-columns:minmax(0,1fr) !important}
  #home #est-out{grid-template-columns:repeat(2,minmax(0,1fr)) !important}
  #home [data-tl]{grid-template-columns:minmax(0,1fr) !important;padding-left:36px !important}
  #home #tl-line,#home #tl-fill{left:10px !important;transform:none !important}
  #home [data-tl] > span[data-dot]{left:0 !important;transform:scale(.55) !important}
  #home [data-tl][data-in] > span[data-dot]{transform:scale(1) !important}
  #home [data-tl] > div:empty{display:none !important}
  #home [data-band]{padding-top:52px !important;padding-bottom:52px !important}
  #home #market-grid{grid-template-columns:minmax(0,1fr) !important;gap:34px !important}
  #home #recip-grid{grid-template-columns:minmax(0,1fr) !important;gap:30px !important}
  #home #recip-art{display:none !important}
}
@media (max-width:560px){
  #home #est-out{grid-template-columns:minmax(0,1fr) !important}
  #home #hero-trio{flex-wrap:wrap !important}
}