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var(--display);letter-spacing:.12em;text-transform:uppercase}.principle-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--line)}.principle-grid article{padding:27px;background:var(--white)}.principle-grid span{color:var(--clay);font:700 12px var(--display)}.principle-grid h3{margin:46px 0 10px;color:var(--navy);font:600 27px/1 var(--display);letter-spacing:-.05em}.principle-grid p{color:var(--muted);font-size:14px}.compliance-note{padding-top:0;color:var(--muted);font-size:13px}.compliance-note span{color:var(--clay);font:700 9px var(--display);letter-spacing:.13em;text-transform:uppercase}.not-found{max-width:var(--max);margin:auto;padding:150px 28px}.not-found p{max-width:550px;color:var(--muted);font-size:18px}.site-footer{padding:75px max(28px,calc((100vw - var(--max))/2 + 28px)) 30px;background:#0b1d2a;color:#dce5df}.footer-top{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:70px;padding-bottom:56px}.footer-top .logo{color:#fff}.footer-top .logo-mark{background:var(--clay)}.footer-kicker{margin-bottom:18px;color:#efa77e;font:700 9px var(--display);letter-spacing:.13em;text-transform:uppercase}.footer-top p{max-width:440px;color:#b9c6be;font-size:14px}.footer-top h2{margin:0 0 17px;color:#efa77e;font:700 10px var(--display);letter-spacing:.11em;text-transform:uppercase}.footer-top>div>a:not(.logo){display:block;margin:9px 0;color:#dce5df;font-size:13px}.footer-top .text-link{display:inline-flex;color:#fff}.footer-bottom{display:flex;justify-content:space-between;gap:35px;padding-top:25px;border-top:1px solid rgba(255,255,255,.14);font-size:10px;color:#92a29a}.footer-bottom p{max-width:650px;margin:0}.footer-bottom a{text-decoration:underline}.footer-bottom span{padding:0 5px}.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}.reveal.is-visible{opacity:1;transform:none}@media(max-width:980px){.desktop-nav{display:none}.header-actions .button{display:none}.menu-toggle{display:block}.mobile-nav{position:absolute;top:76px;left:0;right:0;display:none;padding:22px 28px 30px;background:var(--plaster);border-bottom:1px solid var(--line);box-shadow:var(--shadow)}.mobile-nav.is-open{display:grid;gap:15px}.mobile-nav>a{color:var(--navy);font:600 20px var(--display);letter-spacing:-.04em}.mobile-nav__paths{display:grid;grid-template-columns:repeat(2,1fr);gap:2px;margin:8px 0;background:var(--line)}.mobile-nav__paths a{padding:9px;background:white;color:var(--navy);font:600 13px var(--display)}.mobile-nav__paths small{margin-right:7px;color:var(--clay);font-weight:700}.hero{min-height:570px}.feature-layout,.section--split,.form-section{grid-template-columns:1fr;gap:45px}.person-layout{grid-template-columns:170px 1fr}.person-photo{width:150px}.quote-card{grid-column:1/-1}.fact-grid{grid-template-columns:repeat(2,1fr)}.image-band{grid-template-columns:1fr}.image-band img{height:360px}.image-band>div{padding:70px max(28px,calc((100vw - var(--max))/2 + 28px))}.market-preview{grid-template-columns:1fr}.library-hero,.contact-hero,.calculator-hero,.about-hero{grid-template-columns:1fr;gap:40px}.article-grid{grid-template-columns:1fr 1fr}.article-card--featured{grid-column:span 2}.footer-top{grid-template-columns:1.3fr 1fr}.footer-top>div:first-child{grid-column:1/-1}.market-list>article{grid-template-columns:70px 1fr}.market-question{grid-column:2}.process-callout{grid-template-columns:1fr;gap:34px}}@media(max-width:620px){body{font-size:15px}.header-wrap{height:66px;padding:0 18px}.logo{min-width:155px}.mobile-nav{top:66px;padding:20px 18px}.utility-bar{padding:7px 18px;font-size:8px}.utility-bar span:last-child{display:none}.hero{min-height:590px}.hero-content{padding:62px 18px 35px}.hero h1,.library-hero h1,.contact-hero h1,.calculator-hero h1,.about-hero h1{font-size:clamp(42px,13vw,62px)}.hero-lead{font-size:17px}.hero-proof{margin-top:29px}.hero-proof div{padding:10px 7px}.hero-proof span{font-size:8px}.section{padding:72px 18px}.section--dark{padding:72px 18px}.section-heading{display:block;margin-bottom:32px}.section-heading>p{margin-top:16px}.section h2{font-size:36px}.feature-layout .section-lead{font-size:17px}.project-file{box-shadow:8px 8px 0 var(--navy)}.project-file>div{grid-template-columns:1fr;padding:11px}.path-mini-grid{grid-template-columns:1fr}.path-mini:nth-child(odd){border-right:0}.planning-grid{grid-template-columns:1fr}.image-band img{height:260px}.image-band>div{padding:55px 18px}.image-band h2{font-size:38px}.person-layout{grid-template-columns:1fr}.person-photo{width:135px}.person-photo img{box-shadow:8px 8px 0 var(--clay)}.fact-grid{grid-template-columns:1fr}.section--checkpoint{display:block;padding:42px 18px}.section--checkpoint .button{margin-top:25px}.question-list li{grid-template-columns:38px 1fr;font-size:17px}.related-links{display:block}.related-links a{display:block}.process-list article{grid-template-columns:43px 1fr;gap:12px}.process-list article i{display:none}.process-list h3{font-size:23px}.market-list>article{grid-template-columns:1fr;gap:12px}.market-question{grid-column:auto}.library-hero,.contact-hero,.calculator-hero,.about-hero{padding:70px 18px}.library-index,.calculator-badge{max-width:230px}.article-grid{grid-template-columns:1fr}.article-card--featured{grid-column:auto;grid-template-columns:1fr}.article-card--featured .article-card__image{height:220px;min-height:220px}.article-card--featured .article-card__body{padding:25px}.article-card--featured h2{font-size:34px}.contact-stats{gap:8px;flex-wrap:wrap}.contact-stats span{padding:5px 7px;border:1px solid rgba(255,255,255,.28)}.form-section{gap:30px}.planning-form{padding:20px}.choice-grid,.field-row{grid-template-columns:1fr}.form-progress span{font-size:7px}.calculator-layout{grid-template-columns:1fr}.principle-grid{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr;gap:38px}.footer-top>div:first-child{grid-column:auto}.footer-bottom{display:block}.footer-bottom p+P{margin-top:13px}.button{padding:13px 14px;font-size:10px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}


/* Staged single-page consultation form */
.planning-form--single .planning-form__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem 1.15rem; }
.planning-form--single .field--full { grid-column: 1 / -1; }
.planning-form--single .field em { margin-left: .35rem; color: var(--ink-muted); font-style: normal; font-weight: 400; }
.planning-form--single .field b { color: var(--clay); font-weight: 700; }
.planning-form--single .form-actions--single { margin-top: 1.25rem; }
@media (max-width: 680px) { .planning-form--single .planning-form__grid { grid-template-columns: 1fr; } .planning-form--single .field--full { grid-column: auto; } }


/* Verified submission feedback and guarded confirmation */
.form-error { margin: 0 0 1rem; padding: .85rem 1rem; border-left: 3px solid var(--clay); background: #f7e7dd; color: var(--navy); font-size: 13px; line-height: 1.45; }
.planning-form button[disabled] { cursor: progress; opacity: .7; }
.confirmation-page { min-height: 52vh; display: grid; place-items: center; background: var(--plaster); }
.confirmation-card { width: min(760px, 100%); padding: clamp(2rem, 5vw, 4.5rem); background: var(--white); border-top: 4px solid var(--clay); box-shadow: var(--shadow); }
.confirmation-card h1 { margin: .75rem 0 1rem; color: var(--navy); font-size: clamp(2.4rem, 6vw, 4.8rem); line-height: .94; letter-spacing: -.07em; }
.confirmation-card p { max-width: 620px; color: var(--muted); font-size: 17px; }
.confirmation-card .button { margin-top: 1.2rem; }

.confirmation-header { height: 78px; display: flex; align-items: center; padding: 0 max(28px, calc((100vw - var(--max)) / 2 + 28px)); border-bottom: 1px solid var(--line); background: var(--white); }
.confirmation-header .logo { color: var(--navy); }
@media (max-width: 620px) { .confirmation-header { height: 66px; padding: 0 18px; } }


/* Staged Borrow Buy Build ownership, privacy, and legal-page architecture */
.logo-copy small{display:block;margin-top:4px;color:var(--clay);font:700 7px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase}.footer-top .logo-copy small{color:#efa77e}.form-warning{margin:1.25rem 0 .9rem;padding:.9rem 1rem;border-left:3px solid var(--clay);background:#f7e7dd;color:var(--navy);font-size:12px;line-height:1.45}.consent a{color:var(--navy);font-weight:700;text-decoration:underline;text-underline-offset:2px}.footer-bottom{align-items:flex-start}.footer-ownership{margin-top:15px!important;color:#dce5df}.footer-disclosure{margin-top:10px!important;max-width:760px!important;font-size:9px;line-height:1.55}.footer-legal{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px 16px;min-width:260px}.footer-legal a{font-size:10px;color:#dce5df;text-decoration:underline;text-underline-offset:3px}.legal-hero{max-width:var(--max);margin:auto;padding:90px 28px 66px;background:var(--sand)}.legal-hero h1{margin:12px 0;color:var(--navy);font:700 clamp(44px,6vw,78px)/.95 var(--display);letter-spacing:-.07em}.legal-hero p{margin:0;color:var(--muted);font-size:14px}.legal-page{max-width:920px;padding-top:72px}.legal-page h2{margin:52px 0 14px;font-size:clamp(27px,3vw,39px)}.legal-page p{max-width:780px;color:var(--muted);font-size:16px;line-height:1.65}.legal-page .legal-lead{color:var(--navy);font:500 20px/1.5 var(--serif)}.legal-page a{color:var(--navy);font-weight:700;text-decoration:underline;text-decoration-color:var(--clay);text-underline-offset:3px}@media(max-width:620px){.logo-copy small{font-size:6px;letter-spacing:.06em}.footer-legal{justify-content:flex-start;margin-top:19px;min-width:0}.legal-hero{padding:66px 18px 45px}.legal-page{padding-top:52px}.legal-page h2{margin-top:38px}.legal-page p{font-size:15px}.legal-page .legal-lead{font-size:18px}}

/* Shared Borrow Buy Build state-site legal footer standard. */
.footer-bottom--standard{display:block;padding-top:25px;border-top:1px solid rgba(255,255,255,.14);color:#92a29a;font-size:10px;line-height:1.55}
.footer-bottom--standard p{max-width:780px;margin:0 0 7px}
.footer-bottom--standard .footer-copyright{color:#dce5df}
.footer-bottom--standard .footer-legal{display:flex;justify-content:flex-start;align-items:center;gap:9px;margin-top:15px;min-width:0}
.footer-bottom--standard .footer-legal a{color:#dce5df;text-decoration:underline;text-underline-offset:3px}
.footer-bottom--standard .footer-legal span{padding:0;color:#92a29a}