/* FinMortgage - Property Monetisation funnel
   Brand-grounded from fingroup.sg (rendered scheme, per Jim Rule 2):
   deep teal #174A55 + FinMortgage accent ORANGE #E8732B + Lato.
   No leak vectors. No em dashes. */

:root {
  --teal-900:#0F343C;
  --teal-700:#174A55;
  --teal-500:#3E7C88;
  --teal-100:#E3EDEF;
  --paper:#F7F9F9;
  --white:#ffffff;
  --orange:#E8732B;
  --orange-600:#CE6420;
  --orange-cta:#B4540E;
  --orange-cta-600:#9E490B;
  --ink:#21363B;
  --body:#4D5B5E;
  --muted:#647276;
  --line:#E4EAEA;
  --gold:#E2A33C;
  --shadow:0 18px 50px -24px rgba(15,52,60,.45);
  --shadow-sm:0 8px 24px -16px rgba(15,52,60,.4);
  --r:16px;
  --maxw:1140px;
  --font:"Lato",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--body);
  background:var(--paper);line-height:1.62;font-size:17px;overflow-x:hidden;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
h1,h2,h3{color:var(--teal-700);line-height:1.14;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em;overflow-wrap:break-word}
h1{font-size:clamp(1.7rem,6vw,3.05rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem)}
h3{font-size:1.18rem;font-weight:800}
p{margin:0 0 1.1em}
strong{color:var(--ink);font-weight:700}
.accent{color:var(--orange-600)}  /* darker orange: clears WCAG AA on the hero key phrase */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:clamp(56px,8vw,104px) 0}
.eyebrow{
  display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.13em;
  text-transform:uppercase;color:var(--teal-500);margin-bottom:18px;
}
.center{text-align:center}
.lead{font-size:1.12rem;color:var(--body);max-width:62ch}
.center .lead{margin-left:auto;margin-right:auto}

/* ---------- nav ---------- */
.nav{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line);
}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav img{height:40px;width:auto}
.nav .trust-mini{font-size:.82rem;color:var(--teal-500);font-weight:700;display:flex;align-items:center;gap:8px}
.nav .trust-mini .dot{color:var(--gold)}
@media(max-width:560px){.nav .trust-mini{display:none}}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:var(--orange-cta);color:#fff;font-weight:800;font-size:1.08rem;
  border:none;border-radius:12px;padding:17px 30px;cursor:pointer;
  text-decoration:none;width:100%;box-shadow:0 12px 26px -14px rgba(120,52,8,.6);
  transition:transform .15s ease, background .15s ease, box-shadow .15s ease;
  letter-spacing:.005em;
}
.btn:hover{background:var(--orange-cta-600);transform:translateY(-2px);box-shadow:0 16px 30px -14px rgba(120,52,8,.65)}
.btn:active{transform:translateY(0)}
.btn:focus-visible{outline:3px solid var(--teal-500);outline-offset:3px}
.btn-sub{font-size:.85rem;color:var(--muted);text-align:center;margin:12px 0 0}

/* ---------- hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(120% 120% at 85% -10%, rgba(62,124,136,.16), transparent 55%),
    radial-gradient(90% 90% at -5% 100%, rgba(232,115,43,.08), transparent 50%),
    linear-gradient(180deg,#fbfdfd,var(--paper));
  border-bottom:1px solid var(--line);
}
.hero .wrap{
  display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;
  padding-top:clamp(48px,6vw,76px);padding-bottom:clamp(48px,6vw,76px);
}
.hero h1{margin-bottom:.45em}
.hero .sub{font-size:1.16rem;max-width:54ch}
.feat-pill{
  display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--line);
  border-radius:999px;padding:8px 16px;font-size:.82rem;font-weight:700;color:var(--teal-700);
  box-shadow:var(--shadow-sm);margin-bottom:22px;
}
.feat-pill .stars{color:var(--gold);letter-spacing:1px}
.feat-pill .fp-dot{color:var(--teal-500);font-size:.7em;line-height:1}
@media(max-width:860px){
  .hero .wrap{grid-template-columns:1fr;gap:36px}
}

/* opt-in form card */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow);padding:30px 28px;
}
.form-card .fc-head{font-weight:800;color:var(--teal-700);font-size:1.2rem;margin-bottom:4px}
.form-card .fc-note{font-size:.9rem;color:var(--muted);margin-bottom:20px}
.field{margin-bottom:14px}
.field label{display:block;font-size:.82rem;font-weight:700;color:var(--ink);margin-bottom:6px}
.field input{
  width:100%;border:1.5px solid var(--line);border-radius:10px;padding:13px 14px;
  font-size:1rem;font-family:inherit;color:var(--ink);background:#fff;transition:border .15s;
}
.field input:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 3px rgba(62,124,136,.14)}
.form-err{color:#B23B2E;font-size:.85rem;margin:6px 0 0;display:none}
.secure-row{display:flex;align-items:center;justify-content:center;gap:7px;margin-top:14px;font-size:.8rem;color:var(--muted)}

/* ---------- trust strip ---------- */
.trust-strip{background:var(--teal-700);color:#fff}
.trust-strip .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 0;padding:26px 24px}
.trust-strip .item{
  flex:1 1 220px;text-align:center;padding:6px 22px;border-right:1px solid rgba(255,255,255,.16);
}
.trust-strip .item:last-child{border-right:none}
.trust-strip .num{font-size:1.7rem;font-weight:800;color:#fff;line-height:1.1}
.trust-strip .lbl{font-size:.86rem;color:rgba(255,255,255,.82);margin-top:3px}
@media(max-width:680px){.trust-strip .item{flex-basis:100%;border-right:none;border-bottom:1px solid rgba(255,255,255,.16);padding-bottom:14px}.trust-strip .item:last-child{border-bottom:none}}

/* (legacy .discover-grid/.disc removed 2026-07-02: superseded by .loops) */

/* ---------- founder ---------- */
.founder{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.founder .wrap{display:grid;grid-template-columns:.82fr 1.18fr;gap:48px;align-items:center}
.founder figure{margin:0}
.founder img{border-radius:var(--r);box-shadow:var(--shadow);width:100%;object-fit:cover}
.founder figcaption{font-size:.8rem;color:var(--muted);margin-top:10px;text-align:center}
.cred-list{list-style:none;padding:0;margin:18px 0 0}
.cred-list li{position:relative;padding-left:30px;margin-bottom:12px;font-size:1rem}
.cred-list li::before{content:"";position:absolute;left:0;top:9px;width:14px;height:14px;border-radius:50%;
  background:var(--orange);box-shadow:0 0 0 4px rgba(232,115,43,.16)}
@media(max-width:820px){.founder .wrap{grid-template-columns:1fr;gap:30px}}

/* (legacy .proof-grid/.ph-tile placeholders removed 2026-07-02: superseded by .rproof) */

/* ---------- bank panel ---------- */
.banks{background:var(--teal-100)}
.banks .wrap{text-align:center}
/* (legacy .bank-row/.bank-chip removed 2026-07-02: superseded by .bankwall) */

/* ---------- FAQ ---------- */
.faq{max-width:760px;margin:36px auto 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq summary{padding:18px 22px;font-weight:800;color:var(--teal-700);cursor:pointer;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--orange);font-size:1.5rem;font-weight:700;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{padding:0 22px 20px;font-size:.98rem}

/* ---------- final CTA band ---------- */
.cta-band{background:linear-gradient(135deg,var(--teal-700),var(--teal-900));color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);max-width:56ch;margin-left:auto;margin-right:auto}
.cta-band .btn{max-width:380px;margin:24px auto 0}

/* ---------- small print + footer ---------- */
.smallprint{background:var(--paper)}
.smallprint .wrap{max-width:880px}
.smallprint p{font-size:.82rem;color:var(--muted);text-align:center;margin:0}
.footer{background:var(--teal-900);color:rgba(255,255,255,.7);padding:46px 0}
.footer .wrap{text-align:center}
.footer img{height:34px;margin:0 auto 18px;opacity:.95}
.footer .fnote{font-size:.82rem;max-width:640px;margin:0 auto;line-height:1.7}
.footer .fbrand{color:#fff;font-weight:700}

/* ---------- step 2 ---------- */
.video-ph{
  max-width:880px;margin:0 auto;border-radius:var(--r);overflow:hidden;aspect-ratio:16/9;
  background:linear-gradient(135deg,var(--teal-700),var(--teal-900));color:#fff;
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;box-shadow:var(--shadow);
}
.video-ph .play{width:74px;height:74px;border-radius:50%;background:rgba(255,255,255,.16);
  display:flex;align-items:center;justify-content:center;font-size:1.6rem;border:2px solid rgba(255,255,255,.5)}
.video-ph .vt{font-weight:700;letter-spacing:.04em;font-size:.9rem;color:rgba(255,255,255,.8)}
.recap{max-width:860px;margin:0 auto}
/* numbered next-step list (no side-stripe, per impeccable ban) */
.map-steps{list-style:none;padding:0;margin:26px 0 0;counter-reset:ms}
.map-steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:20px 24px 20px 66px;margin-bottom:14px;box-shadow:var(--shadow-sm)}
.map-steps li::before{counter-increment:ms;content:counter(ms);position:absolute;left:20px;top:20px;
  width:32px;height:32px;border-radius:50%;background:var(--teal-100);color:var(--teal-700);
  font-weight:800;font-size:.98rem;display:flex;align-items:center;justify-content:center}
.map-steps li strong{display:block;color:var(--teal-700);margin-bottom:3px;font-size:1.05rem}
.booking-card{max-width:620px;margin:36px auto 0}
.cal-ph{border:2px dashed var(--teal-100);border-radius:14px;background:var(--paper);padding:40px 24px;text-align:center;color:var(--muted);margin-top:18px}
.disclaimer-inline{font-size:.85rem;color:var(--muted);font-style:italic}

/* ---------- step 2: confirm + VSL ---------- */
.steps-tag{display:inline-flex;align-items:center;gap:8px;background:var(--teal-100);color:var(--teal-700);
  font-weight:800;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;border-radius:999px;
  padding:7px 14px;margin-bottom:16px}
.steps-tag .tick{width:17px;height:17px;border-radius:50%;background:var(--teal-700);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:.66rem;line-height:1}
.vsl{max-width:900px;margin:6px auto 0}
.vsl-embed{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.07);line-height:0}
.vsl-frame{
  position:relative;aspect-ratio:16/9;border-radius:var(--r);overflow:hidden;
  background:radial-gradient(120% 130% at 50% -10%, #235e6b, var(--teal-900));
  box-shadow:var(--shadow);display:flex;align-items:center;justify-content:center;
  border:1px solid rgba(255,255,255,.07);
}
.vsl-play{
  width:86px;height:86px;border-radius:50%;border:0;cursor:pointer;
  background:var(--orange-cta);color:#fff;display:flex;align-items:center;justify-content:center;
  font-size:1.7rem;padding-left:6px;box-shadow:0 16px 36px -10px rgba(0,0,0,.55);
  transition:transform .15s ease, background .15s ease;
}
.vsl-play:hover{transform:scale(1.06);background:var(--orange-cta-600)}
.vsl-play:focus-visible{outline:3px solid #fff;outline-offset:4px}
.vsl-meta{position:absolute;left:22px;top:18px;text-align:left;line-height:1.3;max-width:70%}
.vsl-meta .t{display:block;color:#fff;font-weight:800;font-size:1.02rem}
.vsl-meta .b{display:block;color:rgba(255,255,255,.74);font-size:.82rem;margin-top:2px}
.vsl-bar{position:absolute;left:0;right:0;bottom:0;display:flex;align-items:center;gap:12px;
  padding:16px 18px 14px;background:linear-gradient(0deg,rgba(15,52,60,.9),transparent)}
.vsl-bar .tm{color:rgba(255,255,255,.88);font-size:.78rem;font-weight:700;font-variant-numeric:tabular-nums}
.vsl-track{flex:1;height:4px;border-radius:3px;background:rgba(255,255,255,.24);overflow:hidden}
.vsl-track span{display:block;height:100%;width:4%;background:var(--orange)}
.vsl-chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:18px}
.vchip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;
  font-size:.86rem;font-weight:700;color:var(--teal-700);box-shadow:var(--shadow-sm)}
.vchip::before{content:"\2713";color:var(--orange);font-weight:800;margin-right:8px}
.vsl-note{font-size:.82rem;color:var(--muted);text-align:center;margin:16px 0 0;font-style:italic}
.next-cue{text-align:center;color:var(--teal-500);font-weight:700;font-size:.92rem;margin:30px 0 0}
.next-cue::after{content:"\2193";display:block;font-size:1.2rem;margin-top:2px;color:var(--orange)}
@media(max-width:560px){.vsl-meta{display:none}.vsl-play{width:66px;height:66px;font-size:1.4rem}}

/* ---------- hero CTA + compliance line ---------- */
.hero-btn{width:auto;max-width:100%;margin:6px 0 14px}
.hero-disclaimer{font-size:.8rem;color:var(--muted);font-style:italic;max-width:52ch;margin:0 0 4px}

/* ---------- video bait (the thumbnail is the opt-in gate) ---------- */
.hero-bait{align-self:center}
.bait{
  position:relative;display:block;width:100%;padding:0;appearance:none;border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;cursor:pointer;background:var(--teal-900);aspect-ratio:16/9;
  box-shadow:var(--shadow);transition:transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s ease;
}
.bait:hover{transform:translateY(-3px);box-shadow:0 28px 64px -28px rgba(15,52,60,.6)}
.bait:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
.bait img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.94}
.bait::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,52,60,.12) 0%,rgba(15,52,60,.2) 45%,rgba(15,52,60,.82) 100%)}
.bait-play{
  position:absolute;left:50%;top:45%;transform:translate(-50%,-50%);z-index:2;
  width:90px;height:90px;border-radius:50%;background:var(--orange-cta);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:1.85rem;padding-left:6px;
  box-shadow:0 18px 40px -12px rgba(0,0,0,.6);transition:transform .2s ease;
  animation:baitPulse 2.4s ease-out infinite;  /* expanding-ring "tap me" pulse, ref seo-scorecard */
}
@keyframes baitPulse{
  0%{box-shadow:0 18px 40px -12px rgba(0,0,0,.6), 0 0 0 0 rgba(232,115,43,.55)}
  70%{box-shadow:0 18px 40px -12px rgba(0,0,0,.6), 0 0 0 22px rgba(232,115,43,0)}
  100%{box-shadow:0 18px 40px -12px rgba(0,0,0,.6), 0 0 0 0 rgba(232,115,43,0)}
}
.bait:hover .bait-play{transform:translate(-50%,-50%) scale(1.07);animation-play-state:paused}
.worth-badge{
  position:absolute;left:16px;top:16px;z-index:2;background:var(--orange);color:#fff;
  font-weight:800;font-size:.76rem;letter-spacing:.05em;text-transform:uppercase;
  border-radius:999px;padding:7px 14px;box-shadow:var(--shadow-sm);
}
.bait-cap{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:18px 20px;text-align:left}
.bait-cap .bt{display:block;color:#fff;font-weight:800;font-size:1.1rem;line-height:1.25}
.bait-cap .bs{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.86);font-size:.84rem;font-weight:700;margin-top:5px}
.bait-hint{text-align:center;font-weight:700;color:var(--teal-700);font-size:.92rem;margin:14px 0 0}
.bait-hint .lk{color:var(--orange-cta)}
@media(max-width:560px){.bait-play{width:68px;height:68px;font-size:1.4rem}}

/* ---------- opt-in modal (deliberate gate per the gated-masterclass mechanic, not a default) ---------- */
body.modal-open{overflow:hidden}
.modal-ov{
  position:fixed;inset:0;z-index:200;background:rgba(15,52,60,.66);
  display:none;align-items:center;justify-content:center;padding:20px;overflow-y:auto;
}
.modal-ov.open{display:flex;animation:ovin .18s ease}
@keyframes ovin{from{opacity:0}to{opacity:1}}
.modal{
  background:#fff;border-radius:18px;max-width:440px;width:100%;padding:32px 28px 26px;position:relative;
  box-shadow:0 44px 100px -30px rgba(0,0,0,.55);animation:mdin .28s cubic-bezier(.2,.8,.2,1);
}
@keyframes mdin{from{opacity:0;transform:translateY(16px) scale(.985)}to{opacity:1;transform:none}}
.modal-x{
  position:absolute;right:12px;top:11px;width:44px;height:44px;border-radius:50%;border:0;cursor:pointer;
  background:var(--paper);color:var(--muted);font-size:1.4rem;line-height:1;transition:background .15s,color .15s;
}
.modal-x:hover{background:var(--teal-100);color:var(--teal-700)}
.modal .m-badge{
  display:inline-block;background:var(--teal-100);color:var(--teal-700);font-weight:800;
  font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;border-radius:999px;padding:6px 13px;margin-bottom:13px;
}
.modal h3{font-size:1.42rem;margin-bottom:6px}
.modal .m-sub{font-size:.95rem;color:var(--body);margin-bottom:18px}

/* ---------- a11y focus ---------- */
a:focus-visible{outline:3px solid var(--teal-500);outline-offset:3px;border-radius:4px}
select:focus,select:focus-visible{outline:none;border-color:var(--teal-500)!important;box-shadow:0 0 0 3px rgba(62,124,136,.14)}
.faq summary:focus-visible{outline:2px solid var(--teal-500);outline-offset:-3px}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{
    animation-duration:.01ms!important;animation-iteration-count:1!important;
    transition-duration:.01ms!important;scroll-behavior:auto!important;
  }
}

/* ==========================================================================
   V2 FEEDBACK ASSIMILATION (2026-07-02, Xavier)
   1. Hero = ONE horizontal container: full-width headline, video parked below
      (eye-flow: promise first, then the bait). Dr. U-Jin's real face on the poster.
   2. Open-loop bullet list (numbers + big benefit revealed, method withheld).
   3. Real "As Featured In" (Yahoo Finance, verified) + real 16-bank logo wall.
   4. Real-proof block replaces the placeholder review tiles.
   These override the earlier two-column hero + text-chip bank rules above.
   ========================================================================== */

/* ---- hero: single centered column ---- */
.hero .wrap{
  display:block;max-width:940px;text-align:center;
  padding-top:clamp(38px,5.5vw,60px);padding-bottom:clamp(40px,6vw,68px);
}
.hero .hero-copy{display:flex;flex-direction:column;align-items:center;gap:0}
.hero h1{max-width:19ch;margin:0 auto .4em;font-size:clamp(1.95rem,5.4vw,3.15rem)}
.hero .eyebrow{margin-bottom:16px}
.hero .sub{font-size:1.14rem;max-width:60ch;margin:2px auto 4px}
.hero .hero-disclaimer{margin-left:auto;margin-right:auto}
.hero-btn{margin:14px auto 12px}
.hero .feat-pill{margin:2px auto 0}

/* ---- hero visual parked BELOW the headline (his face is the bait) ---- */
.hero-bait{width:100%;max-width:720px;margin:26px auto 0;align-self:auto}
/* 16/9 matches masterclass-thumb.webp exactly (1600x900), so object-fit:cover has nothing to
   crop. Was 16/10 + object-position nudges, which sliced the headline and Dr U-Jin's credit
   line off the left and right edges (client flagged 2026-07-28). */
.bait{aspect-ratio:16/9;background:linear-gradient(135deg,var(--teal-700),var(--teal-900))}
.bait::after{background:linear-gradient(180deg,rgba(15,52,60,0) 0%,rgba(15,52,60,.05) 40%,rgba(15,52,60,.78) 100%)}
.bait-play{top:44%}
@media(max-width:560px){
  .hero .wrap{padding-top:28px}
  .bait{aspect-ratio:16/9}
}

/* ---- "As Featured In" real press bar ---- */
.asfeat{background:var(--white);border-bottom:1px solid var(--line)}
.asfeat .wrap{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:10px 22px;padding:18px 24px}
.asfeat .lbl{font-size:.72rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.asfeat a.feat-logo{display:inline-flex;align-items:baseline;gap:.06em;text-decoration:none;font-weight:900;
  font-size:1.4rem;letter-spacing:-.02em;line-height:1;transition:opacity .15s ease}
.asfeat a.feat-logo:hover{opacity:.78}
.asfeat .yh{color:#5f01d5}
.asfeat .yh .ex{color:#5f01d5}
.asfeat .yf{color:var(--ink);font-weight:800;font-size:1.18rem;align-self:center;margin-left:.12em}
.asfeat .feat-date{font-size:.78rem;color:var(--muted);font-weight:600}
@media(max-width:560px){.asfeat .wrap{gap:8px 14px;padding:16px}.asfeat a.feat-logo{font-size:1.22rem}}

/* ---- open-loop bullet list (KingKong-style curiosity gaps) ---- */
.loops{max-width:820px;margin:38px auto 0;text-align:left;display:grid;gap:22px}
.loop{display:grid;grid-template-columns:auto 1fr;gap:16px 18px;align-items:start}
.loop .lk{flex:none;width:40px;height:40px;border-radius:50%;background:var(--teal-100);color:var(--teal-700);
  display:flex;align-items:center;justify-content:center;font-size:1.15rem;font-weight:900;margin-top:-6px}
.loop h3{font-size:clamp(1.12rem,2.3vw,1.34rem);margin:0 0 5px;line-height:1.22}
.loop p{font-size:1rem;margin:0;color:var(--body)}
.loop .big{color:var(--orange-cta);font-weight:800}
.loop.more h3{color:var(--orange-cta)}
@media(max-width:560px){
  .loop{grid-template-columns:auto 1fr;gap:12px 12px}
  .loop .lk{width:34px;height:34px;font-size:1rem}
}

/* ---- long-form narrative: problem / agitation (visceral inner-monologue copy) ---- */
.story{max-width:680px;margin:6px auto 0;text-align:left}
.story .lead-in{font-size:clamp(1.18rem,2.4vw,1.4rem);color:var(--ink);font-weight:700;line-height:1.42;margin:0 0 22px}
.story p{font-size:1.12rem;line-height:1.72;margin:0 0 1.15em}
.story .gut{font-size:clamp(1.22rem,2.6vw,1.5rem);font-weight:800;color:var(--teal-700);line-height:1.36;margin:24px 0}
.story strong{color:var(--ink)}
/* ---- recognition list: name the avatar's exact thoughts ---- */
.recog{max-width:700px;margin:32px auto 0;list-style:none;padding:0;display:grid;gap:14px;text-align:left}
.recog li{position:relative;padding:17px 20px 17px 54px;background:#fff;border:1px solid var(--line);
  border-radius:12px;font-size:1.04rem;color:var(--body);line-height:1.5}
.recog li::before{content:"\201C";position:absolute;left:18px;top:20px;font-size:2rem;line-height:.6;
  color:var(--orange);font-weight:800;font-family:Georgia,"Times New Roman",serif}
.story-cue{text-align:center;font-weight:700;color:var(--teal-700);font-size:1.08rem;margin:28px auto 0;max-width:620px}
@media(max-width:560px){
  .story p,.story .lead-in{font-size:1.04rem}
  .recog li{font-size:.98rem;padding:14px 16px 14px 44px}
  .recog li::before{left:14px;font-size:1.7rem}
}

/* ---- real 16-bank logo wall (actual bank logos, height-normalised) ---- */
.bankwall{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:16px;margin-top:30px}
.blogo{display:inline-flex;align-items:center;justify-content:center;background:#fff;border:1px solid var(--line);
  border-radius:12px;padding:0 22px;height:66px}
.blogo img{height:30px;width:auto;max-width:168px;display:block}
.blogo.more{font-weight:800;color:var(--teal-700);font-size:.95rem;border-style:dashed;box-shadow:none;background:transparent;padding:0 18px}
.bankwall .bnote{flex-basis:100%;text-align:center;font-size:.82rem;color:var(--muted);margin:12px 0 0}
@media(max-width:560px){.blogo{padding:0 15px;height:56px}.blogo img{height:24px;max-width:130px}}

/* ---- real-proof block (Yahoo feature + authority) replaces placeholder tiles ---- */
.rproof{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;margin-top:38px;text-align:left}
.rp-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 30px;box-shadow:var(--shadow-sm)}
.rp-feature{background:linear-gradient(150deg,#fbfdfd,var(--teal-100));border-color:var(--teal-100)}
.rp-feature .kicker{font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-500);margin-bottom:12px}
.rp-feature .yq{font-size:1.22rem;font-weight:800;color:var(--teal-700);line-height:1.32;margin:0 0 16px}
.rp-feature .feat-logo{display:inline-flex;align-items:baseline;font-weight:900;font-size:1.34rem;text-decoration:none;letter-spacing:-.02em}
.rp-feature .yh{color:#5f01d5}.rp-feature .yf{color:var(--ink);font-weight:800;font-size:1.12rem;margin-left:.12em;align-self:center}
.rp-feature .flink{display:inline-block;margin-top:14px;font-size:.85rem;font-weight:700;color:var(--orange-cta);text-decoration:none}
.rp-feature .flink:hover{text-decoration:underline}
.rp-stats{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-content:start}
.rp-stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 18px;text-align:center}
.rp-stat .n{font-size:1.7rem;font-weight:900;color:var(--teal-700);line-height:1.05}
.rp-stat .l{font-size:.82rem;color:var(--muted);margin-top:5px;line-height:1.35}
.rp-note{margin:22px auto 0;max-width:640px;font-size:.85rem;color:var(--muted);text-align:center}
@media(max-width:820px){.rproof{grid-template-columns:1fr}}
@media(max-width:560px){.rp-stats{grid-template-columns:1fr 1fr}.rp-card{padding:24px 22px}}

/* ==========================================================================
   V3 FEEDBACK ASSIMILATION (2026-07-07, Xavier via Jim)
   1. Hero copy fills the header width (kills the wasted side gutters); video
      parked directly under the sub, above the CTA (promise -> proof -> action).
   2. Real Yahoo! wordmark replaces the faux text lockup.
   3. Long-form "quiet problem" wall broken up with a branded stat graphic and
      an elevated pull-quote (copy unchanged, structure + visuals added).
   4. Widow control: balanced headings, pretty body wrap, final CTA sized like
      the other buttons so its label never orphans a word.
   These override the V2 rules above.
   ========================================================================== */

/* ---- 1. hero: fill the header width, video under the sub ---- */
.hero .wrap{max-width:var(--maxw)}            /* was 940px: match the header */
.hero h1{max-width:34ch}                        /* was 19ch: fills the header width, fewer wrap lines */
.hero .sub{max-width:70ch}                      /* was 60ch */
.hero-bait{max-width:840px;margin:22px auto 22px}  /* sits between the headline and the subheadline */
.hero-btn{margin:20px auto 12px}

/* ---- 4. widow / orphan control ---- */
h1,h2,h3{text-wrap:balance}
p,li,.sub,.lead,.hero-disclaimer,.rp-note,.bnote{text-wrap:pretty}
.btn{text-wrap:balance}
/* final CTA sized like the hero button so "(Worth $500)" never wraps to a widow */
.cta-band .btn{width:auto;max-width:100%;margin:24px auto 0}

/* ---- 2. real Yahoo! wordmark lockup ---- */
.feat-logo .yh-logo{width:auto;display:inline-block;flex:none}
.asfeat .feat-logo{align-items:center}
.asfeat .feat-logo .yh-logo{height:23px}
.rp-feature .feat-logo{align-items:center}
.rp-feature .feat-logo .yh-logo{height:21px}
.asfeat .yf,.rp-feature .yf{color:#6001D2;font-weight:700;margin-left:.14em}

/* ---- 3. break up the "quiet problem" wall ---- */
/* branded stat graphic: the lazy-asset ledger */
.lazy-ledger{
  max-width:560px;margin:34px auto;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);box-shadow:var(--shadow-sm);overflow:hidden;
}
.ll-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 26px}
.ll-row + .ll-row{border-top:1px solid var(--line)}
.ll-lbl{font-size:.98rem;color:var(--body);font-weight:600;line-height:1.35}
.ll-val{font-size:1.55rem;font-weight:900;color:var(--teal-700);white-space:nowrap;font-variant-numeric:tabular-nums}
.ll-zero{background:linear-gradient(180deg,#fff, #FBF1EA)}
.ll-zero .ll-val{color:var(--orange-cta);font-size:2.7rem;line-height:1}
.ll-cap{margin:0;padding:15px 26px 18px;background:var(--paper);border-top:1px solid var(--line);
  font-size:.92rem;color:var(--muted);text-align:center;font-style:italic}
/* elevated pull-quote (horizontal accent, no left side-stripe per impeccable) */
.story .gut{
  text-align:center;max-width:600px;margin:40px auto;padding-top:26px;position:relative;
  font-size:clamp(1.4rem,3vw,1.9rem);line-height:1.32;
}
.story .gut::before{content:"";position:absolute;left:50%;top:0;transform:translateX(-50%);
  width:52px;height:4px;border-radius:3px;background:var(--orange)}
@media(max-width:560px){
  .ll-row{flex-direction:column;align-items:flex-start;gap:4px;padding:16px 20px}
  .ll-zero .ll-val{font-size:2.3rem}
  .ll-cap{padding:13px 20px 15px}
}
/* reduced + structured "quiet problem": short copy evenly distributed with the boxes */
.story{text-align:center;max-width:760px}  /* wider so the 3-box grid fits; prose stays narrow below */
.story .lead-in{max-width:640px;margin:0 auto 12px}
.story .story-intro{max-width:600px;margin:0 auto;font-size:1.12rem}
.story .story-frame{max-width:600px;margin:34px auto 0;font-size:1.12rem;font-weight:600;color:var(--ink)}
.story .story-out{max-width:600px;margin:8px auto 0;font-size:1.1rem;font-weight:600;color:var(--teal-700)}
.cost-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;max-width:740px;margin:26px auto 0;text-align:center}
.cost{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 20px;box-shadow:var(--shadow-sm)}
.cost-ic{display:inline-flex;align-items:center;justify-content:center;width:54px;height:54px;border-radius:50%;
  background:var(--teal-100);color:var(--teal-700);margin-bottom:15px}
.cost-ic svg{width:27px;height:27px}
.cost h3{font-size:1.08rem;margin:0 0 6px;color:var(--teal-700)}
.cost p{font-size:.96rem;margin:0;color:var(--body);line-height:1.5}
@media(max-width:640px){
  .cost-grid{grid-template-columns:1fr;gap:12px;max-width:460px}
  .cost{display:flex;align-items:center;gap:16px;text-align:left;padding:18px 20px}
  .cost-ic{margin-bottom:0;flex:none;width:46px;height:46px}
  .cost-ic svg{width:23px;height:23px}
}

/* ==========================================================================
   V4 FEEDBACK ASSIMILATION (2026-07-20, Xavier): Kairos/client review round
   Source: "FinMortgage Advertorials & Funnels Dossier" -> Comments & Feedback.
   Word-logo, landlord speech bubble, testimonial wall, WHY NOW urgency,
   multi-paragraph disclaimer. No em dashes.
   ========================================================================== */

/* top-left word-logo (mechanism front-and-center, company name de-emphasised) */
.wordlogo{
  font-weight:900;font-size:clamp(1.02rem,2.6vw,1.34rem);letter-spacing:-.02em;
  color:var(--teal-700);line-height:1.02;white-space:nowrap;
}
.wordlogo em{font-style:normal;color:var(--orange-600)}

/* landlord objection speech bubble (was copy-blind; now stands out) */
.speech-bubble{
  display:block;width:-moz-fit-content;width:fit-content;max-width:100%;
  position:relative;background:#fff;border:1px solid var(--line);
  box-shadow:var(--shadow-sm);border-radius:16px;padding:14px 24px;margin:0 auto 24px;
  font-weight:800;color:var(--teal-700);font-size:clamp(1.05rem,2.6vw,1.4rem);line-height:1.3;
}
.speech-bubble::after{
  content:"";position:absolute;left:50%;bottom:-9px;transform:translateX(-50%) rotate(45deg);
  width:17px;height:17px;background:#fff;border-right:1px solid var(--line);border-bottom:1px solid var(--line);
}

/* anonymized testimonial wall (client-supplied, dark band) */
.twall-sec{background:var(--teal-900)}
.twall-sec .eyebrow{color:var(--gold)}
.twall-sec h2{color:#fff}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px;text-align:left}
.tcard{
  background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--r);padding:26px 24px;margin:0;
}
.thead{display:flex;align-items:center;gap:12px;margin-bottom:15px}
.tav{
  width:44px;height:44px;flex:none;display:inline-flex;align-items:center;justify-content:center;
  border-radius:50%;background:rgba(255,255,255,.12);font-size:1.35rem;
}
.tn{display:block;font-weight:800;color:#fff;font-size:.98rem;line-height:1.2}
.tr{display:block;font-size:.8rem;color:rgba(255,255,255,.62);margin-top:2px}
.tcard blockquote{margin:0;color:rgba(255,255,255,.9);font-size:1rem;line-height:1.6;font-style:italic}
@media(max-width:860px){.tgrid{grid-template-columns:1fr;max-width:560px;margin-left:auto;margin-right:auto}}

/* WHY NOW urgency section */
.whynow{background:var(--paper)}
.whynow .wn-body{max-width:680px;margin:28px auto 10px;text-align:left}
.whynow .wn-body p{font-size:1.1rem;line-height:1.72}
.whynow .wn-body strong{color:var(--teal-700)}

/* multi-paragraph disclaimer spacing (was a single block) */
.smallprint p + p{margin-top:.6em}

/* ==========================================================================
   V5 FEEDBACK ASSIMILATION (2026-07-20, Xavier): second review pass
   - module headings: fill the column width (was text-wrap:balance leaving a
     gap on the right; pretty only fixes the last line, so text flows right)
   - final CTA: paragraphs left-aligned, not centered
   ========================================================================== */
.loop h3{text-wrap:pretty}
.cta-band{text-align:left}
.cta-band h2{max-width:22ch}
.cta-band p{margin-left:0;margin-right:0;max-width:66ch}
.cta-band .btn{margin-left:0;margin-right:auto;max-width:420px}

/* V6 (2026-07-20): center the final-CTA block like the top sections, text stays left-aligned */
.cta-band .wrap{max-width:720px;text-align:left}
.cta-band h2{max-width:100%}
.cta-band p{max-width:100%}