/* =====================================================================
   Bow Apple Capital — design system
   Tokens → base → layout → components → utilities
   Class inventory (used by page tasks):
   .skip-link .site-header .brand .brand__bow .brand__mark .brand__capital
   .nav .nav__list .nav__link .nav__actions .nav-toggle
   .btn .btn--primary .btn--outline .btn--on-dark .btn--sm
   .hero .hero__inner .hero__copy .hero__eyebrow .hero__title .hero__lede .hero__actions
   .ratesheet .ratesheet__head .ratesheet__row .ratesheet__label .ratesheet__value .ratesheet__value--accent .ratesheet__note
   .section .section--warm .section--deep .section__head .eyebrow .section__title .section__lede
   .grid .grid--2 .grid--3 .grid--4 .card .card__title .card__text .card__link
   .steps .step .step__num .step__title .step__text
   .chips .chip .chip--focus .chip--no
   .table-wrap .table .table--compare .table td.num
   .checklist .checklist--no .checklist li
   .accordion .accordion__item .accordion__trigger .accordion__panel
   .cta-band .cta-band__inner .cta-band__title
   .site-footer .footer__grid .footer__brand .footer__col .footer__title .footer__list .footer__legal
   .form .field .field__label .field__input .field__hint .field__error .form__row .form__actions .form__success .checkbox
   .page-title .prose .split .split__media .split__body
   .visually-hidden .mt-0 .center
   ===================================================================== */

:root {
  --green-700: #2E7D32;   /* orchard: primary actions, links */
  --green-800: #1F5F24;   /* hover */
  --green-500: #6ABF4B;   /* leaf: eyebrows on dark, focus ring */
  --green-100: #E8F1E4;   /* tint */
  --green-950: #12331B;   /* deep sections, footer */
  --red-600:   #C8102E;   /* apple: one accent per page, never for text blocks */
  --ink:       #141414;
  --ink-700:   #3D3D3D;
  --ink-500:   #6B6B6B;
  --paper:     #FFFFFF;
  --paper-warm:#F5F7F2;
  --line:      #DDE3D8;
  --line-dark: rgba(255,255,255,.16);

  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-body: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, "SF Mono", Menlo, monospace;

  --step-0: 1rem;
  --step-1: 1.125rem;
  --step-2: 1.375rem;
  --step-3: 1.75rem;
  --step-4: 2.25rem;
  --step-5: clamp(2.5rem, 2rem + 2.5vw, 3.75rem);
  --step-6: clamp(3rem, 2.2rem + 4vw, 5.5rem);

  --space-1: .25rem; --space-2: .5rem; --space-3: .75rem; --space-4: 1rem;
  --space-5: 1.5rem; --space-6: 2rem; --space-7: 3rem; --space-8: 4.5rem; --space-9: 6.5rem;

  --container: 1160px;
  --radius: 6px;
  --shadow: 0 10px 30px rgba(18, 51, 27, .08);
  --ease: cubic-bezier(.2,.7,.2,1);
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { margin: 0 0 var(--space-4); font-family: var(--font-display); font-weight: 600; line-height: 1.08; letter-spacing: -.005em; color: var(--ink); }
h1 { font-size: var(--step-6); }
h2 { font-size: var(--step-5); }
h3 { font-size: var(--step-3); }
h4 { font-size: var(--step-2); font-family: var(--font-body); font-weight: 600; }
p { margin: 0 0 var(--space-4); }
a { color: var(--green-700); text-decoration-thickness: 1px; text-underline-offset: .15em; }
a:hover { color: var(--green-800); }
:focus-visible { outline: 3px solid var(--green-700); outline-offset: 3px; }
img, svg { max-width: 100%; height: auto; }
ul, ol { margin: 0 0 var(--space-4); padding-left: 1.25rem; }
strong { font-weight: 600; }
small { font-size: .875rem; }
.container { width: min(100% - 2.5rem, var(--container)); margin-inline: auto; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.mt-0 { margin-top: 0 !important; }
.center { text-align: center; }

.skip-link { position: absolute; left: var(--space-4); top: -100px; background: var(--ink); color: #fff; padding: .5rem .75rem; border-radius: var(--radius); z-index: 100; }
.skip-link:focus { top: var(--space-4); }

/* ---------- header / nav ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: var(--space-5); min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: .35rem; text-decoration: none; font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; letter-spacing: .06em; line-height: 1; }
.brand__bow { color: var(--ink); }
.brand__capital { color: var(--green-700); }
.brand__mark { width: 2rem; height: 2rem; flex: none; }
.nav { display: flex; align-items: center; gap: var(--space-5); }
.nav__list { display: flex; gap: 1.15rem; list-style: none; margin: 0; padding: 0; }
.nav__link { color: var(--ink-700); text-decoration: none; font-size: .92rem; font-weight: 500; padding: .35rem 0; border-bottom: 2px solid transparent; white-space: nowrap; }
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--ink); border-bottom-color: var(--green-500); }
.nav__actions { display: flex; gap: var(--space-3); }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: var(--radius); padding: .5rem .65rem; cursor: pointer; }
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--ink); margin: 4px 0; transition: transform .2s var(--ease), opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 1080px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: var(--space-4); background: var(--paper); border-bottom: 1px solid var(--line); padding: var(--space-5) 1.25rem; display: none; }
  .nav[data-open="true"] { display: flex; }
  .nav__list { flex-direction: column; gap: var(--space-2); }
  .nav__link { display: block; padding: .6rem 0; font-size: 1.05rem; }
  .nav__actions { flex-direction: column; }
}

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; white-space: nowrap; padding: .8rem 1.35rem; border-radius: var(--radius); border: 1.5px solid transparent; font: 500 .95rem/1 var(--font-body); text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s var(--ease); }
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--green-700); color: #fff; }
.btn--primary:hover { background: var(--green-800); color: #fff; }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: #fff; }
.btn--on-dark { background: #fff; color: var(--green-950); }
.btn--on-dark:hover { background: var(--green-100); color: var(--green-950); }
.btn--sm { padding: .55rem .9rem; font-size: .875rem; }

/* ---------- hero with rate sheet ---------- */
.hero { position: relative; overflow: hidden; background: var(--paper); border-bottom: 1px solid var(--line); }
.hero::before { /* the arrow: one thin diagonal across the hero */
  content: ""; position: absolute; left: -10%; bottom: -16%; width: 120%; height: 2px; background: var(--ink); transform: rotate(-24deg); transform-origin: left bottom; opacity: .45; pointer-events: none;
}
.hero__inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: var(--space-8); align-items: center; padding: var(--space-8) 0 var(--space-9); position: relative; }
.hero__eyebrow, .eyebrow { display: inline-block; font-family: var(--font-mono); font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--green-700); margin-bottom: var(--space-4); }
.hero__title { font-size: var(--step-6); margin-bottom: var(--space-5); max-width: 12ch; }
.hero__title em { font-style: italic; color: var(--green-700); }
.hero__lede { font-size: var(--step-1); color: var(--ink-700); max-width: 46ch; margin-bottom: var(--space-6); }
.hero__actions { display: flex; flex-wrap: wrap; gap: var(--space-3); }

.ratesheet { background: var(--paper-warm); border: 1px solid var(--line); border-top: 4px solid var(--green-700); border-radius: var(--radius); padding: var(--space-5) var(--space-6); font-family: var(--font-mono); box-shadow: var(--shadow); }
.ratesheet__head { display: flex; justify-content: space-between; align-items: baseline; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-500); padding-bottom: var(--space-3); border-bottom: 1px dashed var(--line); margin-bottom: var(--space-2); }
.ratesheet__row { display: flex; justify-content: space-between; align-items: baseline; gap: var(--space-4); padding: .7rem 0; border-bottom: 1px solid var(--line); animation: rise .5s var(--ease) both; }
.ratesheet__row:last-of-type { border-bottom: 0; }
.ratesheet__label { font-size: .85rem; color: var(--ink-700); }
.ratesheet__value { font-size: 1.15rem; font-weight: 600; color: var(--ink); white-space: nowrap; }
.ratesheet__value--accent { color: var(--green-700); }
.ratesheet__note { margin: var(--space-3) 0 0; font-size: .75rem; color: var(--ink-500); }
@keyframes rise { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .ratesheet__row { animation: none; } .btn:hover { transform: none; } }

@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; gap: var(--space-6); padding: var(--space-7) 0 var(--space-8); }
  .hero__title { max-width: none; }
}

/* ---------- sections ---------- */
.section { padding: var(--space-8) 0; }
.section--warm { background: var(--paper-warm); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section--deep { background: var(--green-950); color: #fff; }
.section--deep h2, .section--deep h3, .section--deep h4, .section--deep p { color: #fff; }
.section--deep .eyebrow { color: var(--green-500); }
.section--deep a:not(.btn) { color: #fff; }
.section__head { max-width: 62ch; margin-bottom: var(--space-6); }
.section__title { margin-bottom: var(--space-3); }
.section__lede { font-size: var(--step-1); color: var(--ink-700); margin: 0; }
.section--deep .section__lede { color: rgba(255,255,255,.8); }
.page-title { padding: var(--space-8) 0 var(--space-6); border-bottom: 1px solid var(--line); }
.page-title h1 { max-width: 16ch; margin-bottom: var(--space-3); }
.page-title p { font-size: var(--step-1); color: var(--ink-700); max-width: 56ch; margin: 0; }
.prose { max-width: 66ch; }
.prose p { font-size: var(--step-1); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-7); align-items: start; }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }

/* ---------- grids & cards ---------- */
.grid { display: grid; gap: var(--space-5); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--space-6); display: flex; flex-direction: column; gap: var(--space-3); }
.section--deep .card { background: rgba(255,255,255,.05); border-color: var(--line-dark); }
.card__title { margin: 0; font-size: var(--step-3); }
.card__text { margin: 0; color: var(--ink-700); }
.section--deep .card__text { color: rgba(255,255,255,.82); }
.card__link { margin-top: auto; font-weight: 500; }
.card__num { font-family: var(--font-mono); font-size: 1.5rem; color: var(--green-700); }
.section--deep .card__num { color: var(--green-500); }

/* ---------- steps (a true sequence: submission → review → funding) ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); counter-reset: step; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding: var(--space-5) var(--space-5) var(--space-5) 0; border-top: 2px solid var(--ink); }
.step__num { font-family: var(--font-mono); font-size: .8rem; letter-spacing: .12em; color: var(--green-700); display: block; margin-bottom: var(--space-3); }
.step__title { font-size: var(--step-3); margin-bottom: var(--space-2); }
.step__text { margin: 0; color: var(--ink-700); }
.section--deep .step { border-top-color: var(--green-500); }
.section--deep .step__num { color: var(--green-500); }
.section--deep .step__text { color: rgba(255,255,255,.82); }

/* ---------- chips ---------- */
.chips { display: flex; flex-wrap: wrap; gap: .5rem; list-style: none; margin: 0; padding: 0; }
.chip { display: inline-block; padding: .4rem .75rem; border: 1px solid var(--line); border-radius: 999px; font-size: .875rem; background: var(--paper); color: var(--ink-700); }
.chip--focus { background: var(--green-100); border-color: var(--green-700); color: var(--green-800); font-weight: 500; }
.chip--no { background: #FBECEE; border-color: #E9B4BC; color: #8A0E22; }

/* ---------- tables ---------- */
.table-wrap { overflow-x: auto; }
.table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.table th, .table td { text-align: left; padding: .85rem .75rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.table th { font-family: var(--font-mono); font-size: .75rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-500); font-weight: 500; }
.table--compare td:first-child { font-weight: 600; }
.table td.num { font-family: var(--font-mono); white-space: nowrap; }

/* ---------- checklists ---------- */
.checklist { list-style: none; margin: 0 0 var(--space-4); padding: 0; }
.checklist li { position: relative; padding-left: 1.75rem; margin-bottom: .55rem; }
.checklist li::before { content: ""; position: absolute; left: 0; top: .45em; width: .9rem; height: .9rem; border-radius: 50%; background: var(--green-700); mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3 8.5l3 3 7-7' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat; -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3 8.5l3 3 7-7' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat; }
.checklist--no li::before { background: var(--red-600); mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 4l8 8M12 4l-8 8' stroke='black' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E"); -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 4l8 8M12 4l-8 8' stroke='black' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E"); }

/* ---------- accordion ---------- */
.accordion { border-top: 1px solid var(--line); max-width: 78ch; }
.accordion__item { border-bottom: 1px solid var(--line); }
.accordion__trigger { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: var(--space-4); background: none; border: 0; padding: 1.1rem 0; text-align: left; font: 600 var(--step-2)/1.3 var(--font-display); color: var(--ink); cursor: pointer; }
.accordion__trigger::after { content: "+"; font-family: var(--font-mono); font-size: 1.4rem; color: var(--green-700); flex: none; transition: transform .2s var(--ease); }
.accordion__trigger[aria-expanded="true"]::after { transform: rotate(45deg); }
.accordion__panel { padding: 0 0 1.25rem; color: var(--ink-700); max-width: 66ch; }
.accordion__panel[hidden] { display: none; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--green-700); color: #fff; }
.cta-band__inner { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: var(--space-5); padding: var(--space-7) 0; }
.cta-band__title { font-size: var(--step-4); margin: 0 0 var(--space-2); color: #fff; }
.cta-band p { margin: 0; color: #fff; }
.cta-band .btn--on-dark { color: var(--green-800); }
.cta-band a:not(.btn) { color: #fff; text-decoration: underline; text-decoration-color: rgba(255,255,255,.6); }
.cta-band a:not(.btn):hover { color: #fff; text-decoration-color: #fff; }

/* ---------- footer ---------- */
.site-footer { background: var(--green-950); color: rgba(255,255,255,.82); padding: var(--space-8) 0 var(--space-6); }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: var(--space-6); margin-bottom: var(--space-7); }
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__brand .brand { font-size: 1.4rem; margin-bottom: var(--space-4); }
.footer__brand .brand__bow, .footer__brand .brand__capital { color: #fff; }
.footer__brand p { margin-bottom: var(--space-2); }
.footer__title { font-family: var(--font-mono); font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--green-500); margin-bottom: var(--space-4); }
.footer__list { list-style: none; margin: 0; padding: 0; }
.footer__list li { margin-bottom: .5rem; }
.footer__list a, .site-footer a { color: #fff; text-decoration: none; }
.footer__list a:hover, .site-footer a:hover { text-decoration: underline; color: #fff; }
.footer__legal { border-top: 1px solid var(--line-dark); padding-top: var(--space-5); font-size: .8rem; color: rgba(255,255,255,.6); display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--space-3); }

/* ---------- forms ---------- */
.form { max-width: 720px; }
.form fieldset { border: 0; padding: 0; margin: 0 0 var(--space-6); }
.form legend { font-family: var(--font-display); font-size: var(--step-3); font-weight: 600; margin-bottom: var(--space-4); }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
@media (max-width: 600px) { .form__row { grid-template-columns: 1fr; } }
.field { margin-bottom: var(--space-4); }
.field__label { display: block; font-weight: 500; margin-bottom: .35rem; }
.field__label .req { color: var(--red-600); }
.field__input { width: 100%; padding: .75rem .85rem; border: 1px solid #7F8C79; border-radius: var(--radius); font: inherit; color: var(--ink); background: #fff; }
.field__input:focus { border-color: var(--green-700); outline: 3px solid var(--green-700); outline-offset: 2px; }
.field--invalid .field__input { border-color: var(--red-600); }
.field__hint { display: block; font-size: .8rem; color: var(--ink-500); margin-top: .3rem; }
.field__error { display: none; font-size: .85rem; color: var(--red-600); margin-top: .3rem; }
.field--invalid .field__error { display: block; }
.checkbox { display: flex; gap: .6rem; align-items: flex-start; font-size: .95rem; }
.checkbox input { margin-top: .3rem; }
.form__actions { display: flex; flex-wrap: wrap; gap: var(--space-3); align-items: center; }
.form__success { background: var(--green-100); border: 1px solid var(--green-700); border-radius: var(--radius); padding: var(--space-6); }
.form__success[hidden] { display: none; }
.form__success h2, .form__success h3 { margin-bottom: var(--space-2); font-size: var(--step-3); }