:root{
  --paper:#fdfaf4;--paper2:#f6f0e5;--white:#fff;
  --ink:#1c2b33;--soft:rgba(28,43,51,.72);--faint:rgba(28,43,51,.5);
  --teal:#14746f;--tealD:#0e5450;--tealL:#e2efed;
  /* --gold is the display tone: buttons, large numerals, icons, borders.
     --goldT is the same hue darkened for SMALL text — 5.5:1 on paper, 5.1:1 on goldL.
     #c08214 is only 3.13:1 and fails WCAG AA below 24px. */
  --gold:#c08214;--goldT:#8a5d0a;--goldL:#fbf0d8;
  --indigo:#3d4e9c;--indigoL:#e9ebf7;
  --rose:#b04a3e;--roseL:#fbe8e4;
  --rule:rgba(28,43,51,.13);
  --serif:"Newsreader",Georgia,serif;--sans:"Instrument Sans",system-ui,sans-serif;--mono:"IBM Plex Mono",monospace;
  --wrap:1160px;
}
*{box-sizing:border-box}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;letter-spacing:-.012em;margin:0}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
.eyebrow{font-family:var(--mono);font-size:11px;letter-spacing:.17em;text-transform:uppercase;color:var(--teal);margin:0 0 15px}
.eyebrow.g{color:var(--goldT)}.eyebrow.i{color:var(--indigo)}
.lede{font-size:19.5px;line-height:1.55;max-width:64ch;color:var(--soft)}
.soft{color:var(--soft)}
:focus-visible{outline:2px solid var(--teal);outline-offset:3px}

/* ---------- nav: always visible ---------- */
header.site{position:sticky;top:0;z-index:60;background:rgba(253,250,244,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--rule)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:11px 26px;max-width:var(--wrap);margin:0 auto;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand img{width:46px;height:46px;flex:none;display:block}
.brand b{font-family:var(--serif);font-size:21px;font-weight:600;line-height:1.05;display:block}
.brand i{font-style:normal;font-family:var(--mono);font-size:9.5px;letter-spacing:.19em;text-transform:uppercase;color:var(--goldT);display:block;margin-top:3px}
.nav ul{display:flex;gap:20px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.nav a.link{font-size:14.5px;color:var(--soft);text-decoration:none;padding:5px 0;border-bottom:2px solid transparent;white-space:nowrap}
.nav a.link:hover{color:var(--ink)}
.nav a.link[aria-current=page]{color:var(--teal);border-bottom-color:var(--teal)}
.btn{display:inline-block;font-family:var(--sans);font-size:15px;font-weight:500;padding:12px 22px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;border-radius:2px}
.btn-teal{background:var(--teal);color:#fff}.btn-teal:hover{background:var(--tealD)}
.btn-out{border-color:var(--ink);color:var(--ink)}.btn-out:hover{background:var(--ink);color:var(--paper)}
.btn-light{border-color:rgba(255,255,255,.55);color:#fff}.btn-light:hover{background:#fff;color:var(--ink)}
.nav .btn{padding:10px 17px;font-size:14px}

/* ---------- hero ---------- */
.phero{position:relative;min-height:540px;display:flex;align-items:center;overflow:hidden;background:#10171c}
/* Composition is weighted right: the sign holds the left of the frame, the copy
   sits on the right over the plain wall, and the veil darkens toward the right. */
.phero .bg{position:absolute;inset:0;background:url("assets/hero.jpg?v=24") left center / cover no-repeat}
.phero .veil{position:absolute;inset:0;background:linear-gradient(85deg,rgba(8,17,22,.06) 0%,rgba(8,17,22,.14) 28%,rgba(8,17,22,.52) 45%,rgba(8,17,22,.90) 60%,rgba(8,17,22,.96) 100%)}
.phero .wrap{position:relative;z-index:2;padding-top:70px;padding-bottom:70px;
  display:grid;grid-template-columns:minmax(0,48fr) minmax(0,52fr)}
.pheroCopy{grid-column:2}
.phero h1{font-size:clamp(32px,4.2vw,50px);color:#fff;max-width:16ch;margin-bottom:18px;text-shadow:0 2px 22px rgba(0,0,0,.5)}
.phero h1 em{font-style:normal;color:#86d8ca}
.phero .lede{color:rgba(255,255,255,.9);max-width:44ch;text-shadow:0 1px 14px rgba(0,0,0,.45)}
.tagline{display:inline-flex;align-items:center;font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#f3d295;border:1px solid rgba(243,210,149,.45);padding:7px 13px;border-radius:2px;margin-bottom:22px}
.heroCta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

.phead{padding:56px 0 44px}
.phead h1{font-size:clamp(32px,4.4vw,50px)}
.h-gold{background:linear-gradient(168deg,var(--goldL) 0%,var(--paper) 62%)}
.h-teal{background:linear-gradient(168deg,var(--tealL) 0%,var(--paper) 62%)}
.h-ind{background:linear-gradient(168deg,var(--indigoL) 0%,var(--paper) 62%)}

section{padding:80px 0;position:relative}
/* hairline separators between adjacent same-tone sections */
section + section:not(.tint):not(.tealBg){border-top:1px solid var(--rule)}
.tint,.tealBg{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
/* paper grain */
body::before{content:"";position:fixed;inset:0;z-index:1;pointer-events:none;opacity:.5;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)' opacity='.032'/%3E%3C/svg%3E")}
header.site,main,footer.site,.band{position:relative;z-index:2}
/* scroll reveal */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s cubic-bezier(.22,.7,.3,1),transform .7s cubic-bezier(.22,.7,.3,1)}
.rv.in{opacity:1;transform:none}
/* button polish */
.btn{transition:transform .18s cubic-bezier(.22,.7,.3,1),box-shadow .18s,background .18s,color .18s}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 22px -10px rgba(28,43,51,.45)}
.btn:active{transform:translateY(0)}
@media (prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;transition:none}
  .btn:hover{transform:none}
}
.sec{max-width:66ch;margin-bottom:40px}
.sec h2{font-size:clamp(28px,3.5vw,41px);margin-bottom:16px}
.tint{background:var(--paper2)}.tealBg{background:var(--tealL)}

.panel{background:var(--white);border:1px solid var(--rule);border-radius:3px;padding:28px}
.panel svg{width:100%;height:auto;display:block}

/* money-flow chain — three parties: homeowner, us, you. Servicing, bookkeeping,
   accounting and legal are nested INSIDE the Blalock & Co card rather than sat
   on the chain, because they are functions we run, not hands the money passes
   through. Built as a grid rather than a fixed-viewBox SVG so it can become a
   vertical chain on a phone instead of shrinking the labels into illegibility.
   The two outer steps and the connectors centre against the taller middle card
   rather than hanging from its top edge. */
.flow{list-style:none;margin:0;padding:0;display:grid;align-items:center;
  grid-template-columns:1fr auto minmax(0,2.5fr) auto 1fr;gap:10px}
.fStep{text-align:center;padding:6px 8px}
.fIcon{display:inline-flex;align-items:center;justify-content:center;
  width:76px;height:76px;border-radius:50%;margin-bottom:14px}
.fIcon svg{width:40px;height:40px;display:block}
.flow h3{font-size:19px;line-height:1.25;margin:0 0 6px}
.flow p{font-family:var(--sans);font-size:13.5px;line-height:1.45;margin:0;color:var(--soft)}
/* both outer captions reserve two lines, so the two circles stay level with
   each other even though one caption wraps and the other doesn't */
.f-teal>p,.f-you>p{min-height:2.9em}
/* the connectors line up with the circles, not with the middle of the card —
   align-self centres the margin box, so the bottom margin lifts the arrow by
   half the label block that sits under each circle */
.fArrow{color:var(--faint);display:flex;align-items:center;justify-content:center;
  align-self:center;margin-bottom:82px}
.fArrow svg{width:44px;height:24px;display:block}

/* the hub — a container, so the four functions read as things we run rather
   than extra hands the money passes through */
.fHub{background:var(--paper2);border:1px solid var(--rule);border-radius:10px;
  padding:26px 26px 24px}
.fMark{width:84px;height:84px;display:block;margin:0 auto 12px}
.flow .fHub h3{font-size:27px;margin:0 0 16px}
/* ruled caption — rules grow to fill whatever the label leaves */
.fRule{display:flex;align-items:center;gap:15px;margin:0 0 22px}
.fRule::before,.fRule::after{content:"";flex:1;height:1px;background:var(--rule)}
.fRule span{font-size:11.5px;letter-spacing:.15em;text-transform:uppercase;
  white-space:nowrap;color:var(--soft)}
/* Four equal columns, each carrying its own caption, so the dividers can run
   the full height without one long column dragging them down. align-items
   stretch (the default) keeps every rule the same length. */
.fFn{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr)}
.fFn>li{padding:0 10px;text-align:center;border-left:1px solid var(--rule)}
.fFn>li:first-child{border-left:0}
.fnI{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;
  border-radius:50%;background:var(--indigoL);color:var(--indigo);margin-bottom:10px}
.fnI svg{width:24px;height:24px;display:block}
/* two lines are reserved for every label, so the one that wraps ("Licensed
   Loan Servicer") doesn't push its caption below the other three */
.fFn b{display:block;font-family:var(--serif);font-size:14.5px;font-weight:600;
  line-height:1.25;color:var(--ink);min-height:2.5em}
.fFn em{display:block;font-style:normal;font-size:11.5px;line-height:1.4;
  color:var(--soft);margin-top:7px}

.f-teal .fIcon{background:var(--tealL);color:var(--teal)}
.f-you  .fIcon{background:var(--teal);color:#fff}
.f-you h3{color:var(--teal)}

@media (max-width:760px){
  /* stack into the vertical chain; the connector arrows rotate to point down.
     Everything stays centred on one spine — icon, arrow, card, arrow, icon —
     so the chain reads as a single line down the page. */
  .flow{grid-template-columns:1fr;gap:0}
  .fStep{display:block;text-align:center;padding:10px 0}
  .fIcon{width:56px;height:56px;margin-bottom:10px}
  .fIcon svg{width:30px;height:30px}
  .flow h3{margin-bottom:4px}
  /* the two outer captions can size to their own content once the chain is
     vertical — the circles are no longer side by side, so nothing needs to
     be held level */
  .f-teal>p,.f-you>p{min-height:0}
  /* the hub stays a card and keeps its own centred layout rather than joining
     the icon-beside-label pattern the other two steps switch to */
  .fHub{display:block;text-align:center;padding:20px 18px 18px}
  .fMark{width:66px;height:66px}
  .flow .fHub h3{font-size:23px;margin-bottom:12px}
  .fRule{margin-bottom:18px}
  /* four across becomes two-by-two; each caption travels with its own label */
  .fFn{grid-template-columns:1fr 1fr;gap:22px 0}
  .fFn>li{border-left:0;padding:0 8px}
  /* the connector spans the full row and the arrow itself is what rotates, so it
     points at the middle of the card below rather than at its left-hand corner.
     44px of height is the rotated arrow's own length. */
  .fArrow{padding:0;margin:0;width:100%;height:44px;align-items:center;justify-content:center}
  .fArrow svg{transform:rotate(90deg)}
}

/* condensed Q row */
.qRow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--ink);background:var(--white);border-left:1px solid var(--rule);border-right:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.qC{padding:24px 24px 26px;border-right:1px solid var(--rule);display:flex;gap:16px;align-items:flex-start}
.qC:last-child{border-right:0}
.qIcon{width:56px;height:56px;flex:none}
.qC h3{font-size:18px;margin-bottom:6px}
.qC p{font-size:14.5px;margin:0;color:var(--soft);line-height:1.5}
.qC .qn{font-family:var(--mono);font-size:10px;letter-spacing:.13em;text-transform:uppercase;display:block;margin-bottom:6px}
.q1 .qn{color:var(--teal)}.q2 .qn{color:var(--goldT)}.q3 .qn{color:var(--indigo)}

.fig2{display:grid;grid-template-columns:1fr 1.05fr;gap:50px;align-items:center}
.figCap{font-family:var(--mono);font-size:11px;color:var(--faint);margin:14px 0 0;line-height:1.6}

.pill{display:grid;grid-template-columns:repeat(3,1fr);border-top:2px solid var(--ink)}
.pillC{padding:30px 28px 32px;border-right:1px solid var(--rule)}
.pillC:last-child{border-right:0}
.pillC .n{font-family:var(--mono);font-size:11px;letter-spacing:.14em;display:block;margin-bottom:14px}
.pillC h3{font-size:22px;margin-bottom:11px}
.pillC p{font-size:15.5px;margin:0;color:var(--soft)}

.tlRow{display:grid;grid-template-columns:120px 1fr;gap:34px;padding:30px 0;border-bottom:1px solid var(--rule)}
.tlRow:first-of-type{border-top:1px solid var(--rule)}
.tlYr{font-family:var(--serif);font-size:34px;font-weight:600;line-height:1}
.y1{color:var(--gold)}.y2{color:var(--rose)}.y3{color:var(--indigo)}.y4{color:var(--teal)}
.tlRow h3{font-size:22px;margin-bottom:9px}
.tlRow p{font-size:16px;margin:0 0 8px;color:var(--soft)}

.pipe{border-top:2px solid var(--ink)}
.pipeR{display:grid;grid-template-columns:54px 1fr 1.05fr;gap:28px;padding:26px 0;border-bottom:1px solid var(--rule);align-items:start}
.pipeN{font-family:var(--mono);font-size:12px;color:var(--teal);padding-top:5px}
.pipeR h3{font-size:20px;margin-bottom:6px}
.pipeR p{font-size:15.5px;margin:0;color:var(--soft)}
.who{font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--faint)}

/* investor checklist — deliberately NOT the numbered .pipe used on the process
   page, so the two sequences don't read as the same list twice */
.chk{list-style:none;margin:0;padding:0;border-top:2px solid var(--ink)}
.chk li{display:grid;grid-template-columns:26px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid var(--rule);align-items:start}
.chk .box{width:22px;height:22px;border:2px solid var(--teal);border-radius:3px;position:relative;margin-top:4px;flex:none}
.chk .box::after{content:"";position:absolute;left:6px;top:1px;width:6px;height:12px;border:solid var(--teal);border-width:0 2.5px 2.5px 0;transform:rotate(45deg)}
.chk h3{font-size:19px;margin-bottom:4px}
.chk .who{display:block;margin-bottom:9px}
.chk p{font-size:15.5px;margin:0;color:var(--soft);max-width:68ch}
@media (max-width:520px){.chk li{grid-template-columns:22px 1fr;gap:14px}}

.aud{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.audC{border-radius:3px;padding:30px 28px;border:1px solid var(--rule)}
.audC h3{font-size:21px;margin-bottom:10px}
.audC p{font-size:15.5px;color:var(--soft)}
.audC .tag{font-family:var(--mono);font-size:10.5px;letter-spacing:.13em;text-transform:uppercase;display:block;margin-bottom:13px}
.au1{background:var(--tealL)}.au1 .tag{color:var(--teal)}
.au2{background:var(--indigoL)}.au2 .tag{color:var(--indigo)}
.au3{background:var(--goldL)}.au3 .tag{color:var(--goldT)}

/* the six responsibilities on the process page */
.resp{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;list-style:none;margin:0;padding:0;border-top:2px solid var(--ink)}
.resp li{padding:19px 0;border-bottom:1px solid var(--rule)}
.resp h4{font-family:var(--sans);font-size:15px;font-weight:600;margin:0 0 5px}
.resp p{font-size:14.5px;margin:0;color:var(--soft)}
/* closing signature line under the six */
.respSig{font-family:var(--serif);font-size:clamp(19px,2.2vw,25px);color:var(--teal);
  text-align:center;margin:34px 0 0}

.callout{border-left:3px solid var(--gold);background:var(--goldL);padding:20px 24px;border-radius:0 3px 3px 0;max-width:68ch}
.callout p:last-child{margin-bottom:0}

.band{position:relative;overflow:hidden;background:#10171c;color:#f4f1ea;padding:74px 0}
.band .bg{position:absolute;inset:0;background:url("assets/hero.jpg?v=24") center 38% / cover no-repeat;opacity:.55}
.band .veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,17,22,.93),rgba(8,17,22,.62))}
.band .wrap{position:relative;z-index:2}
.band h2{font-size:clamp(27px,3.3vw,38px);margin-bottom:15px;color:#fff}
.band p{max-width:56ch;color:rgba(244,241,234,.82)}
.band .btnrow{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}

footer.site{background:var(--white);border-top:1px solid var(--rule);padding:50px 0 32px;font-size:14px;color:var(--soft)}
.footG{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:36px;padding-bottom:30px;border-bottom:1px solid var(--rule)}
footer.site h4{font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin:0 0 14px}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:9px}
footer.site a{color:var(--soft);text-decoration:none}
footer.site a:hover{color:var(--ink)}
.disc{padding-top:24px;font-size:12.5px;line-height:1.65;color:var(--soft);max-width:94ch}

@media (max-width:980px){
  .qRow{grid-template-columns:1fr}
  .qC{border-right:0;border-bottom:1px solid var(--rule)}
  .qC:last-child{border-bottom:0}
}
@media (max-width:920px){
  body{font-size:16px}
  .fig2{grid-template-columns:1fr;gap:32px}
  .pill,.aud,.resp{grid-template-columns:1fr}
  .pillC{border-right:0;border-bottom:1px solid var(--rule)}
  .tlRow,.pipeR{grid-template-columns:1fr;gap:10px}
  .pipeN{padding-top:0}
  .footG{grid-template-columns:1fr 1fr;gap:26px}
  section{padding:54px 0}
  .phero{min-height:0}
  /* hero art is 2.4:1; a phone crops it hard from the sides, so anchor at 19%
     to hold the sign roughly centred instead of slicing it off at the edge */
  .phero .bg{background-position:19% center}
  .phero .wrap{grid-template-columns:1fr}
  .pheroCopy{grid-column:1}
  .phero .veil{background:linear-gradient(180deg,rgba(8,17,22,.62) 0%,rgba(8,17,22,.93) 68%)}
  .phero .lede{max-width:48ch}
  .nav{padding:10px 18px;gap:10px}
  .nav ul{order:3;width:100%;gap:16px;padding-top:9px;border-top:1px solid var(--rule);justify-content:flex-start;overflow-x:auto}
  .nav a.link{font-size:13.5px}
  .brand img{width:40px;height:40px}
  .brand b{font-size:18px}
}