/* FC Lending: Dan's styles. Changes from his file: heavier, tighter headlines;
   no tinted left-border callouts; no entrance animations; mono kept for numbers only. */
:root{
  --red:#C8102E; --red-deep:#9E0C24; --red-tint:#FCECEE;
  --bg:#FFFFFF; --surface:#F7F5F5; --ink:#1C1618; --muted:#6B5F62; --line:#E7E0E1; --on-red:#FFFFFF;
  --ok:#1F7A4D; --warn:#A86A00; --bad:#B3261E;
  --display:"Bricolage Grotesque", "Arial Narrow", system-ui, sans-serif;
  --body:"Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono:"IBM Plex Mono", ui-monospace, Menlo, monospace;
  --wrap:1160px;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --red:#E8364F; --red-deep:#C8102E; --red-tint:#2E1519;
  --bg:#141012; --surface:#1D1719; --ink:#F4EEEF; --muted:#B3A6A9; --line:#342B2E; --on-red:#FFFFFF;
  --ok:#5CC48F; --warn:#E3A93B; --bad:#F2766E; color-scheme:dark}}
:root[data-theme="dark"]{
  --red:#E8364F; --red-deep:#C8102E; --red-tint:#2E1519;
  --bg:#141012; --surface:#1D1719; --ink:#F4EEEF; --muted:#B3A6A9; --line:#342B2E; --on-red:#FFFFFF;
  --ok:#5CC48F; --warn:#E3A93B; --bad:#F2766E; color-scheme:dark}

*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font:400 16px/1.6 var(--body);padding-inline:16px}
.wrap{max-width:var(--wrap);margin-inline:auto}
h1,h2,h3{font-family:var(--display);line-height:1;text-wrap:balance;margin:0;letter-spacing:-.035em}
p{margin:0}
a{color:inherit}
:focus-visible{outline:3px solid var(--red);outline-offset:3px;border-radius:4px}
.eyebrow{font:700 13px/1 var(--body);letter-spacing:.06em;text-transform:uppercase;color:var(--red)}

/* Nav */
header.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--bg);border-bottom:1px solid var(--line);margin-inline:-16px;padding-inline:16px}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.mark{width:36px;height:36px;background:var(--red);color:var(--on-red);display:grid;place-items:center;font:800 15px/1 var(--display);letter-spacing:-.04em;border-radius:3px}
.logo b{font:800 20px/1 var(--display);letter-spacing:-.03em}
.logo b span{color:var(--red)}
.nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0;font-weight:500;font-size:15px}
.nav ul a{text-decoration:none;color:var(--muted)}
.nav ul a:hover{color:var(--ink)}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:var(--on-red);border:0;border-radius:3px;padding:12px 20px;font:600 15px/1 var(--body);text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--red-deep)}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--line)}
.btn.ghost:hover{box-shadow:inset 0 0 0 1.5px var(--ink);background:transparent}
@media (max-width:820px){.nav ul{display:none}}

/* Hero */
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-block:72px 80px}
.hero > div{min-width:0}
.hero h1{font-size:clamp(44px,6.4vw,80px);font-weight:800}
.hero h1 em{font-style:normal;color:var(--red)}
.hero .lede{font-size:19px;color:var(--muted);max-width:52ch;margin-top:24px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.proof{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:40px;padding-top:24px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.proof strong{display:block;font:700 22px/1.2 var(--display);color:var(--ink)}
@media (max-width:900px){.hero{grid-template-columns:1fr;gap:40px;padding-block:48px 56px}}

/* Calculator */
.calc{background:var(--surface);border:1px solid var(--line);border-top:6px solid var(--red);border-radius:4px;padding:28px}
.calc h2{font-size:22px;font-weight:700}
.calc .sub{font-size:14px;color:var(--muted);margin-top:6px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;margin-top:22px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field label{font:600 14px/1.2 var(--body);color:var(--ink)}
.field input,.field select,.field textarea{width:100%;font:500 16px/1.3 var(--body);color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:3px;padding:10px 12px}
.field input{font-family:var(--mono);font-variant-numeric:tabular-nums}
.hero-form .field input[type=number]{font-family:var(--mono)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px var(--red-tint)}
.readout{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;margin-top:24px;padding-top:22px;border-top:1px dashed var(--line)}
.ratio{font:500 52px/1 var(--mono);font-variant-numeric:tabular-nums;letter-spacing:-.03em}
.ratio small{display:block;font:600 13px/1 var(--body);color:var(--muted);margin-top:8px}
.verdict{display:inline-block;font:600 13px/1 var(--body);padding:6px 10px;border-radius:999px;background:var(--bg);border:1px solid currentColor}
.verdict-note{font-size:14px;color:var(--muted);margin-top:8px}
.math{font:400 13px/1.7 var(--mono);color:var(--muted);margin-top:16px;font-variant-numeric:tabular-nums}
.math span{color:var(--ink)}
@media (max-width:460px){.fields{grid-template-columns:1fr}.readout{grid-template-columns:1fr}}

/* Sections */
section.band{padding-block:88px;border-top:1px solid var(--line)}
.head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:end;gap:20px;margin-bottom:44px}
.head h2{font-size:clamp(36px,4.6vw,56px);font-weight:800;margin-top:14px;max-width:16ch}
.head p{color:var(--muted);max-width:44ch}

.programs{display:grid;grid-template-columns:repeat(3,1fr);border-top:2px solid var(--ink)}
.program{padding:28px 28px 32px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:12px;min-width:0}
.program:not(:nth-child(3n+1)){padding-left:28px;border-left:1px solid var(--line)}
.program h3{font-size:24px;font-weight:700}
.program p{color:var(--muted);font-size:15px}
.program .tag{font:700 12px/1 var(--body);letter-spacing:.06em;text-transform:uppercase;color:var(--red)}
.program dl{display:grid;grid-template-columns:auto 1fr;gap:4px 14px;margin:6px 0 0;font-size:14px}
.program dt{color:var(--muted)}
.program dd{margin:0;font-weight:600}
@media (max-width:900px){.programs{grid-template-columns:1fr 1fr}.program,.program:not(:nth-child(3n+1)){padding:24px 20px 28px 0;border-left:0}.program:nth-child(even){padding-left:20px;border-left:1px solid var(--line)}}
@media (max-width:600px){.programs{grid-template-columns:1fr}.program,.program:nth-child(even){padding:24px 0;border-left:0}}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s;list-style:none;margin:0;padding:0}
.steps li{counter-increment:s;display:flex;flex-direction:column;gap:10px;min-width:0}
.steps li::before{content:counter(s,decimal-leading-zero);font:500 14px/1 var(--mono);color:var(--on-red);background:var(--red);width:40px;height:40px;display:grid;place-items:center;border-radius:3px}
.steps h3{font-size:20px;font-weight:700;margin-top:6px}
.steps p{color:var(--muted);font-size:15px}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr;gap:36px 24px}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

.redband{background:var(--red);color:var(--on-red);margin-inline:-16px;padding:88px 16px}
.redband .eyebrow{color:var(--on-red);opacity:.8}
.fit{display:grid;grid-template-columns:1fr 1.4fr;gap:56px;align-items:start}
.fit h2{font-size:clamp(36px,4.6vw,56px);font-weight:800;margin-top:14px}
.fit ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 32px}
.fit li{padding:18px 0;border-top:1px solid rgba(255,255,255,.3);min-width:0}
.fit li b{display:block;font:700 18px/1.3 var(--display)}
.fit li span{font-size:15px;opacity:.85}
@media (max-width:820px){.fit{grid-template-columns:1fr;gap:28px}.fit ul{grid-template-columns:1fr}}

.quote{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.quote > div{min-width:0}
.quote h2{font-size:clamp(32px,4vw,48px);font-weight:800;margin-top:14px}
.quote .copy p{color:var(--muted);margin-top:18px;max-width:44ch}
.contact{margin-top:28px;display:grid;gap:10px;font-size:15px}
.contact div{display:flex;gap:12px}
.contact dt{font:600 13px/1.9 var(--body);color:var(--muted);width:64px;flex:none}
.contact dd{margin:0;font-weight:600;user-select:all}
form.card{background:var(--surface);border:1px solid var(--line);border-radius:4px;padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
form .full{grid-column:1/-1}
form .note{font-size:13px;color:var(--muted)}
.thanks{grid-column:1/-1;background:var(--bg);border:1px solid var(--line);border-radius:3px;padding:14px 16px;font-size:15px}
.thanks.fail{border-color:var(--bad);color:var(--bad)}
@media (max-width:900px){.quote{grid-template-columns:1fr;gap:32px}}
@media (max-width:520px){form.card{grid-template-columns:1fr}}

footer{border-top:1px solid var(--line);padding-block:44px 56px;font-size:13px;color:var(--muted)}
footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;align-items:center;margin-bottom:24px}
footer .legal{display:grid;gap:10px;max-width:90ch}
.eho{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--ink)}
.eho svg{width:22px;height:22px}


/* Hero form */
.hero-form{background:var(--surface);border:1px solid var(--line);border-top:6px solid var(--red);border-radius:4px;padding:28px}
.hero-form h2{font-size:24px;font-weight:700}
.hero-form .sub{font-size:14px;color:var(--muted);margin-top:6px}
.hero-form form{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;margin-top:20px}
.hero-form .field input{font-family:var(--body)}
.hero-form .btn{width:100%;justify-content:center;padding-block:15px}
@media (max-width:460px){.hero-form form{grid-template-columns:1fr}}

/* Lender count highlight */
.lenders{display:flex;align-items:center;gap:18px;margin-top:32px;max-width:52ch}
.lenders strong{font:800 56px/1 var(--display);color:var(--red);letter-spacing:-.04em;flex:none}
.lenders span{font-size:15px;line-height:1.45}

/* Calculator band */
.calc-band{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.calc-band > div{min-width:0}
.calc-band h2{font-size:clamp(32px,4vw,48px);font-weight:800;margin-top:14px}
.calc-band .copy p{color:var(--muted);margin-top:18px;max-width:44ch}
@media (max-width:900px){.calc-band{grid-template-columns:1fr;gap:32px}}

/* Loan officers */
.page-head{padding-block:64px 40px}
.page-head h1{font-size:clamp(40px,5.5vw,68px);font-weight:800;margin-top:16px}
.page-head p{color:var(--muted);font-size:19px;max-width:56ch;margin-top:20px}
.lo-lead{display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:center;background:var(--surface);border:1px solid var(--line);border-top:6px solid var(--red);border-radius:4px;padding:32px}
.lo-lead > div{min-width:0}
.avatar{width:120px;height:120px;border-radius:50%;background:var(--red);color:var(--on-red);display:grid;place-items:center;font:800 40px/1 var(--display);letter-spacing:-.03em}
.lo-lead h2{font-size:36px;font-weight:800}
.lo-role{font:700 13px/1 var(--body);letter-spacing:.06em;text-transform:uppercase;color:var(--red);margin-top:10px}
.lo-lead p.bio{color:var(--muted);margin-top:14px;max-width:60ch}
.lo-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:20px}
.phone{font:500 22px/1 var(--mono);font-variant-numeric:tabular-nums;user-select:all;color:var(--ink)}
.copy-btn{font:500 13px/1 var(--body);background:transparent;color:var(--muted);border:1px solid var(--line);border-radius:3px;padding:8px 12px;cursor:pointer}
.copy-btn:hover{color:var(--ink);border-color:var(--ink)}
@media (max-width:600px){.lo-lead{grid-template-columns:1fr;gap:20px;padding:24px}.avatar{width:88px;height:88px;font-size:30px}}
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start;padding-block:64px 88px}
.contact-grid > div{min-width:0}
.contact-grid h2{font-size:clamp(28px,3.4vw,40px);font-weight:800;margin-top:14px}
.contact-grid .copy p{color:var(--muted);margin-top:16px;max-width:46ch}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr;gap:32px}}
.nav ul a[aria-current="page"]{color:var(--ink);box-shadow:inset 0 -2px 0 var(--red)}

.hero-form .divider{display:flex;align-items:center;gap:12px;margin-top:6px;font:600 14px/1.3 var(--body);color:var(--ink)}
.hero-form .divider::after{content:"";flex:1;height:1px;background:var(--line)}
.hero-form .error{font-size:14px;color:var(--bad);margin:0}
.hero-form .result .readout{margin-top:20px}
.hero-form .result .thanks{margin-top:18px}
.hero-form .result .copy-btn{margin-top:14px}
.field input.invalid{border-color:var(--bad)}
body{margin:0}img{max-width:100%}[hidden]{display:none!important}
[id]{scroll-margin-top:84px}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.btn[disabled]{opacity:.65;cursor:progress}
.nav-actions{display:flex;align-items:center;gap:10px}
.theme-toggle{width:40px;height:40px;display:grid;place-items:center;background:transparent;color:var(--ink);border:1px solid var(--line);border-radius:3px;cursor:pointer;padding:0;transition:border-color .15s}
.theme-toggle:hover{border-color:var(--ink)}
.theme-toggle svg{width:20px;height:20px}
.theme-toggle .sun{display:none}
:root[data-theme="dark"] .theme-toggle .sun{display:block}
:root[data-theme="dark"] .theme-toggle .moon{display:none}

/* ===== fclabz.com theme (10/8). Same layout as Dan's file; colors, type and
   surfaces match fclabz.com: #050907 / #3DFFC2, Outfit + JetBrains Mono.
   --red is the accent token from Dan's file, so it now holds the green. ===== */
:root,:root[data-theme="dark"]{
  --red:#3DFFC2; --red-deep:#5EFFD6; --red-tint:rgba(61,255,194,.08);
  --bg:#050907; --surface:#0A0F0D; --ink:#FFFFFF; --muted:rgba(255,255,255,.55);
  --line:rgba(255,255,255,.07); --on-red:#050907;
  --ok:#3DFFC2; --warn:#FFC857; --bad:#FF6B6B;
  --glow:rgba(61,255,194,.15); --card:rgba(255,255,255,.02); --field:#050907;
  --display:"Outfit", system-ui, -apple-system, "Segoe UI", sans-serif;
  --body:"Outfit", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono:"JetBrains Mono", ui-monospace, Menlo, monospace;
  color-scheme:dark;
}
:root[data-theme="light"]{
  --red:#0A8F6A; --red-deep:#077556; --red-tint:rgba(10,143,106,.08);
  --bg:#F5F8F6; --surface:#FFFFFF; --ink:#050907; --muted:rgba(5,9,7,.58);
  --line:rgba(5,9,7,.09); --on-red:#FFFFFF;
  --ok:#0A8F6A; --warn:#A86A00; --bad:#C62828;
  --glow:rgba(10,143,106,.18); --card:#FFFFFF; --field:#FFFFFF;
  color-scheme:light;
}
::selection{background:rgba(61,255,194,.25)}
body{font-family:var(--body)}
h1,h2,h3{font-family:var(--display);font-weight:800}
.hero h1{line-height:.95;letter-spacing:-.05em}
.head h2,.fit h2,.page-head h1{line-height:.97;letter-spacing:-.045em}
.hero .lede,.head p,.program p,.steps p,.page-head p,.lo-lead p.bio,.contact-grid .copy p,.lenders span{font-weight:300}

/* labels: fclabz .tag */
.eyebrow,.program .tag,.lo-role{font:500 11px/1 var(--mono);letter-spacing:.25em;text-transform:uppercase;color:var(--red);opacity:.85}

/* nav */
header.nav{background:color-mix(in srgb,var(--bg) 85%,transparent);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border-bottom:1px solid var(--line)}
.nav .wrap{padding-block:18px}
.mark{border-radius:10px;font:700 14px/1 var(--mono);letter-spacing:0;color:var(--on-red)}
.logo b{font:700 20px/1 var(--display);letter-spacing:-.02em;word-spacing:.08em}
.nav ul a{font-size:13px;font-weight:500;letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
.nav ul a:hover,.nav ul a[aria-current="page"]{color:var(--red)}
.nav ul a[aria-current="page"]{box-shadow:none}

/* buttons: fclabz .CTA / .CTA2 */
.btn{border-radius:6px;padding:14px 26px;font:600 14px/1 var(--body);letter-spacing:.02em;transition:all .3s}
.btn:hover{background:var(--red-deep);transform:translateY(-2px);box-shadow:0 16px 48px var(--glow)}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1px var(--line)}
.btn.ghost:hover{background:transparent;box-shadow:inset 0 0 0 1px var(--red);color:var(--red)}
.theme-toggle{border-radius:6px;border-color:var(--line)}
.theme-toggle:hover{border-color:var(--red);color:var(--red)}

/* cards: fclabz glass cards with a gradient top bar */
.hero-form,.lo-lead,form.card{position:relative;overflow:hidden;background:var(--card);border:1px solid var(--line);border-top:1px solid var(--line);border-radius:16px;backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
.hero-form::before,.lo-lead::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--red),transparent)}
.field label{font:500 11px/1.2 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.field input,.field select,.field textarea{background:var(--field);border:1px solid var(--line);border-radius:8px;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--red);box-shadow:0 0 0 3px var(--red-tint)}
.hero-form .divider{font:500 11px/1.3 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.ratio{font-family:var(--mono);font-weight:700;color:var(--red)}
.verdict{background:transparent}
.thanks{background:var(--red-tint);border-color:transparent;border-radius:8px}
.copy-btn{border-radius:6px;border-color:var(--line)}
.avatar{background:transparent;color:var(--red);border:1px solid var(--glow);font-family:var(--mono);font-weight:700}

/* 10+ stat */
.lenders strong{font-family:var(--mono);font-weight:700;letter-spacing:-.04em}
.proof{border-top-color:var(--line)}

/* programs: same grid, fclabz hairlines */
.programs{border-top:1px solid var(--line);gap:0}
.program{transition:background .3s}
.program:hover{background:var(--red-tint)}

/* steps: fclabz process circles */
.steps li::before{width:64px;height:64px;border-radius:50%;background:transparent;border:1px solid color-mix(in srgb,var(--red) 35%,transparent);color:var(--red);font:700 18px/1 var(--mono)}

/* "Who we serve": fclabz stats band instead of a solid color block */
.redband{position:relative;background:var(--surface);color:var(--ink)}
.redband::before,.redband::after{content:"";position:absolute;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--glow),transparent)}
.redband::before{top:0}.redband::after{bottom:0}
.redband .eyebrow{color:var(--red);opacity:.85}
.fit li{border-top:1px solid var(--line)}
.fit li span{color:var(--muted);opacity:1;font-weight:300}

footer{border-top-color:var(--line)}
.eho{color:var(--muted)}

/* FC Labz icon + wordmark colors, cropped from fclabz.com's FC-Labz-LARGE.png */
.mark-img{width:36px;height:auto;display:block;flex:none}
.logo{gap:10px}
.logo b{color:#237D91}
.logo b span{color:#34C195}
.lo-team{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:stretch}
.lo-team .lo-lead{grid-template-columns:1fr;gap:20px;align-content:start;padding:32px}
.lo-team .avatar{width:88px;height:88px;font-size:30px}
@media (max-width:820px){.lo-team{grid-template-columns:1fr}}
.avatar-photo{object-fit:cover;padding:0;background:var(--surface)}
.lo-team .avatar-photo{width:112px;height:112px}

/* Privacy policy and other long-form pages (10/8) */
.prose h2{font-size:22px;font-weight:700;letter-spacing:-.02em;margin:36px 0 10px}
.prose p,.prose li{color:var(--muted);font-size:16px;line-height:1.7;font-weight:300}
.prose ul{padding-left:20px;margin:8px 0}
.prose li{margin:6px 0}
.prose b{color:var(--text,inherit);font-weight:600}
.prose a{color:var(--accent)}