@font-face{font-family:"Cormorant Garamond";src:url(assets/cormorant-garamond-latin.woff2) format("woff2");font-weight:300 700;font-display:swap}
:root{--ever:#012718;--marble:#34503B;--deep:#00170E;--gold:#F1E0C8;--goldhi:#F8EEDD;--cream:#FBF7EF;--ink:#10231A;--sage:#E6EBE0;--sagemid:#6D8369}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;font-size:17px}
h1,h2,h3,.serif{font-family:"Cormorant Garamond",Georgia,serif;font-weight:700;line-height:1.15;color:var(--ever)}
h1{font-size:clamp(2.4rem,5.5vw,4.2rem);margin:.2em 0}h2{font-size:clamp(1.9rem,3.6vw,2.8rem);margin:0 0 .4em}h3{font-size:1.55rem;margin:.2em 0 .3em}
a{color:var(--marble)}.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
header.nav{position:sticky;top:0;z-index:10;background:var(--deep);color:var(--cream)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--gold);font-family:"Cormorant Garamond",serif;font-weight:700;font-size:1.45rem}
.brand img{width:44px;height:44px}
.nav ul{list-style:none;display:flex;gap:18px;margin:0;padding:0;flex-wrap:wrap}.nav ul a{color:var(--cream);text-decoration:none;font-size:.95rem}.nav ul a:hover,.nav ul a.on{color:var(--gold)}
.btn{display:inline-block;padding:13px 24px;border-radius:999px;background:var(--gold);color:var(--deep);font-weight:600;text-decoration:none;border:2px solid var(--gold)}
.btn.ghost{background:transparent;color:var(--cream);border-color:var(--cream)}.btn.dark{background:var(--ever);border-color:var(--ever);color:var(--cream)}
.hero{position:relative;color:var(--cream);background:var(--deep) url(assets/hero-forest.jpg) center/cover;background-image:image-set(url(assets/hero-forest-2000.webp) type("image/webp") 1x,url(assets/hero-forest.jpg) type("image/jpeg") 1x);min-height:78vh;display:flex;align-items:center;text-shadow:0 1px 6px #0D170B}
.hero h1{color:var(--goldhi)}.hero p{max-width:620px;font-size:1.15rem}.hero .tag{font-family:"Cormorant Garamond",serif;font-weight:600;letter-spacing:.03em;font-size:1.5rem;color:var(--gold)}
.hero.short{min-height:40vh}.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
section{padding:72px 0}section.alt{background:var(--sage)}section.dark{background:var(--ever);color:var(--cream)}section.dark h2,section.dark h3{color:var(--goldhi)}
.lede{font-size:1.15rem;max-width:720px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border-radius:14px;padding:24px;border:1px solid #dfe6d4;box-shadow:0 2px 10px rgba(13,23,11,.05)}
section.dark .card{background:rgba(252,248,232,.06);border-color:rgba(224,178,106,.35)}
.step{counter-increment:s}.steps{counter-reset:s}.step h3:before{content:counter(s);display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--deep);font-family:Inter,sans-serif;font-size:1rem;margin-right:10px;vertical-align:middle}
.leaf:before{content:"🌿 "}.note{font-size:.9rem;opacity:.8}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center}.split img{width:100%;border-radius:16px}
.tiers .card h3{color:var(--marble)}
details{background:#fff;border:1px solid #dfe6d4;border-radius:12px;padding:16px 20px;margin-bottom:12px}summary{cursor:pointer;font-weight:600}
.placeholder{border:2px dashed var(--gold);border-radius:14px;padding:18px;text-align:center;color:var(--marble);background:#fffaf0}
footer{background:var(--deep);color:var(--cream);padding:48px 0 30px;font-size:.95rem}footer a{color:var(--gold)}footer .grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.draft-flag{background:var(--gold);color:var(--deep);text-align:center;font-size:.82rem;padding:5px}
@media(max-width:780px){.split{grid-template-columns:1fr}section{padding:52px 0}.nav ul{gap:12px}.hero{min-height:70vh}body{font-size:16px}}
.hero{background-position:center;text-align:center}.hero .wrap{display:flex;flex-direction:column;align-items:center}.hero p{margin-left:auto;margin-right:auto}.hero .ctas{justify-content:center}
@media(max-width:780px){.hero{background-size:auto 100%}}
.btn{text-shadow:none}
@media(max-width:780px){.nav ul{order:3;width:100%;flex-wrap:nowrap;overflow-x:auto;white-space:nowrap;padding-bottom:4px}.nav .btn{padding:8px 18px}}
.btn.apply-cta{display:inline-flex;flex-direction:column;align-items:center;line-height:1.15;padding:12px 30px;font-size:1.08rem;box-shadow:0 6px 18px rgba(13,23,11,.25)}
.btn.apply-cta .apply-sub{font-size:.74rem;font-weight:500;opacity:.85;margin-top:3px}
.btn.apply-cta:hover{background:var(--goldhi);border-color:var(--goldhi)}.btn.dark.apply-cta:hover{background:var(--marble);border-color:var(--marble)}
.apply-qr{margin:26px auto 0;display:inline-block;text-align:center}.apply-qr img{width:132px;height:132px;background:#fff;padding:8px;border-radius:12px;border:3px solid var(--ever)}
.apply-qr figcaption{font-size:.85rem;margin-top:6px;opacity:.9}

@media(max-width:1200px){.hero{background-image:image-set(url(assets/hero-forest-1200.webp) type("image/webp") 1x,url(assets/hero-forest.jpg) type("image/jpeg") 1x)}}
@media(max-width:768px){.hero{background-image:image-set(url(assets/hero-forest-768.webp) type("image/webp") 1x,url(assets/hero-forest.jpg) type("image/jpeg") 1x)}}
/* v1 2026-10-29 */
.hdr-cta .sm{display:none}@media(max-width:960px){.hdr-cta .lg{display:none}.hdr-cta .sm{display:inline}}
.tag-sm{font:700 .78rem Inter,system-ui,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--marble,#34503B);margin-bottom:6px}.tag-sm.soon{color:#8a6a2f}
.guide-card,.shop-card{display:flex;flex-direction:column;gap:10px}.guide-card .btn,.shop-card .btn{align-self:flex-start;margin-top:auto}
.btn.ghost-dark{background:transparent;color:var(--deep);border:2px solid var(--deep)}
.learn-tabs{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}.learn-tabs a{padding:8px 16px;border:2px solid var(--deep);border-radius:999px;text-decoration:none;font-weight:600}
.wrap.narrow{max-width:760px}.post h2{margin-top:34px}.post p,.post li{font-size:1.08rem;line-height:1.7}.byline{font-size:1rem!important;opacity:.95}.post-hero h1{font-size:clamp(2rem,4.5vw,3.2rem)}
.next-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.doors-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}a.card.door{text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:8px;border:2px solid transparent;transition:border-color .15s}a.card.door:hover,a.card.door:focus-visible{border-color:var(--marble,#34503B)}.door h3{margin:0}.door-go{margin-top:auto;font-weight:700;text-decoration:underline}
.gate{border:2px solid var(--marble,#34503B)}.policy h2{margin-top:30px}
.mbar{display:none}
@media(max-width:780px){.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:var(--deep);box-shadow:0 -4px 14px rgba(0,0,0,.3)}.mbar a{flex:1;text-align:center;padding:12px 8px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1rem}.mbar .m1{background:var(--goldhi,#D9C29F);color:var(--deep)}.mbar .m2{border:2px solid var(--cream);color:var(--cream)}body{padding-bottom:76px}}

/* v1b 2026-10-29 */
a.term{color:inherit;text-decoration:underline dotted;text-underline-offset:3px;position:relative}
@media(hover:hover){a.term:hover:after,a.term:focus-visible:after{content:attr(data-tip);position:absolute;left:0;top:calc(100% + 6px);z-index:20;width:min(300px,80vw);background:var(--deep);color:var(--cream);font:400 .9rem/1.45 Inter,system-ui,sans-serif;padding:10px 12px;border-radius:8px;box-shadow:0 6px 18px rgba(0,0,0,.25);text-shadow:none}}
.glance-wrap{padding:28px 0 8px}.glance{border:2px solid var(--marble,#34503B)}.glance-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}.glance-head h2{margin:0}.glance-skip{font-weight:600}
.glance .plain{font-size:1.08rem}.glance-dl{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin:14px 0}.glance-dl dt{font:700 .78rem Inter,system-ui,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--marble,#34503B)}.glance-dl dd{margin:4px 0 0}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:12px;border:1px solid rgba(1,39,24,.15)}table.compare{border-collapse:collapse;width:100%;min-width:820px;background:#fff;font-size:.95rem}table.compare th,table.compare td{text-align:left;vertical-align:top;padding:12px 14px;border-bottom:1px solid rgba(1,39,24,.1)}table.compare thead th{background:var(--deep);color:var(--cream);position:sticky;top:0}table.compare tbody th{white-space:nowrap}table.compare tbody tr:nth-child(even){background:rgba(183,196,174,.18)}
@media(max-width:780px){table.compare{min-width:0}table.compare thead{display:none}table.compare tr{display:block;padding:12px 14px;border-bottom:1px solid rgba(1,39,24,.15)}table.compare th,table.compare td{display:block;border:0;padding:3px 0}table.compare tbody th{font-size:1.1rem;white-space:normal}table.compare td:nth-of-type(2):before{content:"Often a fit for: ";font-weight:700}table.compare td:nth-of-type(3):before{content:"Lenders look at: ";font-weight:700}table.compare td:nth-of-type(4):before{content:"Pace: ";font-weight:700}}
.after-steps{list-style:none;padding:0;margin:20px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px;counter-reset:st}.after-steps li{counter-increment:st;background:#fff;border-radius:14px;padding:18px;position:relative}.after-steps li:before{content:counter(st);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--deep);color:var(--cream);font-weight:700;margin-bottom:8px}.after-steps h3{margin:0 0 6px;font-size:1.25rem}.after-steps p{margin:0}
.fastlane{padding:20px 0 40px}.fastlane-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.lane{background:#fff;border-radius:16px;padding:22px;border:2px solid rgba(1,39,24,.12)}.lane h2{font-size:1.6rem;margin:4px 0 8px}@media(max-width:780px){.fastlane-grid{grid-template-columns:1fr}}
dl.gloss div{padding:14px 0;border-bottom:1px solid rgba(1,39,24,.12);scroll-margin-top:90px}dl.gloss dt{font-family:"Cormorant Garamond",serif;font-weight:700;font-size:1.35rem}dl.gloss dd{margin:4px 0 0}
@media(max-width:780px){.hero:not(.short){min-height:56vh}}

.founder-photo{margin:0}.founder-photo img{width:100%;height:auto;max-width:480px;border-radius:14px;display:block;margin:0 auto;box-shadow:0 8px 24px rgba(0,0,0,.12)}
.side-photo{float:right;width:min(380px,42%);margin:0 0 16px 28px}.side-photo img{width:100%;height:auto;border-radius:12px;display:block}.side-photo figcaption{font-size:.85rem;opacity:.75;margin-top:6px;text-align:center}
@media(max-width:760px){.side-photo{float:none;width:100%;max-width:420px;margin:0 auto 20px}}
@media(max-width:760px){.split>.founder-photo{order:-1;margin-bottom:8px}.founder-photo img{max-width:360px}}
/* align pass 2026-10-29: centered buttons, equal paired CTAs, balanced headings */
.btn{display:inline-flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;line-height:1.2;vertical-align:middle;box-sizing:border-box}
.ctas{align-items:stretch}.ctas>.btn{min-height:58px}
.hero .ctas>.btn{min-width:220px;padding-left:28px;padding-right:28px}
.mbar a{display:flex;align-items:center;justify-content:center;line-height:1.2;min-height:48px;box-sizing:border-box}
.tag-sm{display:block;width:fit-content}
h1,h2,h3{text-wrap:balance}
p,li{text-wrap:pretty}
img{max-width:100%;height:auto}
@media(max-width:780px){.ctas{flex-direction:column;align-items:stretch;width:100%;max-width:340px}.hero .ctas{margin-left:auto;margin-right:auto}.ctas>.btn{width:100%;min-width:0}}
.mbar .m1{border:2px solid var(--goldhi,#D9C29F)}
@media(max-width:780px){.ctas>.btn{min-height:68px}.ctas>.btn.apply-cta{padding-top:10px;padding-bottom:10px}}