/* ===================================================================
   Hearth Advisory · shared page system for the static subpages.
   Tokens, type scale, motion and palette are inherited unchanged from
   site/index.html (the approved coal/ember CreditIntel experience).
   Subpages are deliberately lighter: no opening ritual, no scroll JS,
   no canvas field. Same design language, static delivery.
   Fonts are vendored locally at /assets/fonts. No network at view time.
   =================================================================== */

@font-face{font-family:Fraunces;src:url("/assets/fonts/Fraunces-400.woff2") format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:Inter;src:url("/assets/fonts/Inter-400.woff2") format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"JetBrains Mono";src:url("/assets/fonts/JetBrainsMono-400.woff2") format("woff2");font-weight:100 900;font-display:swap}

:root{
  --coal:#16130F; --graphite:#26221C; --charcoal:#3B352C;
  --ash600:#6E6759; --ash400:#9A9285; --ash300:#B8B0A2;
  --sand:#E4DCCC; --parchment:#EFE8DC; --ivory:#F7F3EB;
  --ember300:#EC9468; --ember400:#E0784A; --ember500:#C65A2E; --ember600:#A8441C; --ember700:#8F3714;
  --oxide:#4E6B57;
  --serif:Fraunces,Georgia,"Times New Roman",serif;
  --sans:Inter,"Helvetica Neue",system-ui,sans-serif;
  --mono:"JetBrains Mono","SF Mono",Menlo,monospace;
  --surface:#1E1A15; --surface-raised:#26221C; --border:#2E2921; --border-strong:#3B352C;
  --shadow-rest:0 1px 2px rgba(0,0,0,.35);
  --shadow-raised:0 2px 8px rgba(0,0,0,.35),0 1px 2px rgba(0,0,0,.25);
  --ease-kindle:cubic-bezier(.32,0,.12,1);
  --d-quick:160ms; --d-standard:240ms;
  --section-gap:clamp(3.25rem,7vw,6rem);
  --measure:48ch;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;background:var(--coal)}
body{margin:0;background:var(--coal);color:var(--ivory);font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased;overflow-x:hidden}
::selection{background:var(--ember600);color:var(--ivory)}
a{color:inherit}
:focus-visible{outline:2px solid var(--ember400);outline-offset:2px;border-radius:2px}
h1,h2,h3{font-family:var(--serif);font-weight:400;letter-spacing:-.01em;margin:0}
p{margin:0}
img,svg{max-width:100%}
.wrap{max-width:1200px;margin:0 auto;padding:0 32px}
.eyebrow{font:600 12px/1.2 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ember400);margin:0}
.measure{max-width:var(--measure)}
.mono{font-family:var(--mono)}

/* skip link */
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:var(--surface-raised);color:var(--ivory);
  padding:12px 18px;border:1px solid var(--border-strong);border-radius:0 0 8px 0;font:600 13px/1 var(--sans);text-decoration:none}
.skip:focus{left:0}

/* ============================= NAV ============================= */
.sitenav{position:sticky;top:0;z-index:50;background:rgba(22,19,15,.94);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border)}
.nav-in{max-width:1200px;margin:0 auto;padding:0 32px;min-height:64px;width:100%;
  display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brandline{display:flex;align-items:center;gap:12px;min-width:0;padding:12px 0}
.wordmark{display:flex;align-items:center;gap:12px;text-decoration:none}
.wordmark svg{width:28px;height:28px}
.wordmark span{font:500 17px/1 var(--sans);letter-spacing:.02em}
.descriptor{font:400 10.5px/1 var(--mono);letter-spacing:.04em;color:var(--ash400);
  padding-left:12px;border-left:1px solid var(--border-strong);white-space:nowrap}
.nav-links{display:flex;gap:26px;flex-wrap:wrap;padding:10px 0}
.nav-links a{position:relative;text-decoration:none;color:var(--ash300);font-size:14px;
  transition:color var(--d-quick) var(--ease-kindle)}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-6px;height:1px;width:100%;background:var(--ember400);
  transform:scaleX(0);transform-origin:left;transition:transform var(--d-quick) var(--ease-kindle)}
.nav-links a:hover{color:var(--ivory)}
.nav-links a:hover::after{transform:scaleX(1)}
.nav-links a[aria-current="page"]{color:var(--ivory)}
.nav-links a[aria-current="page"]::after{transform:scaleX(1);background:var(--ember500)}
.nav-cta{font:600 13px/1 var(--sans);text-decoration:none;padding:11px 18px;border-radius:8px;background:transparent;color:var(--ivory);
  border:1px solid var(--border-strong);white-space:nowrap;
  transition:background var(--d-quick) var(--ease-kindle),border-color var(--d-quick) var(--ease-kindle)}
.nav-cta:hover{background:var(--surface-raised);border-color:var(--ash400)}
@media(max-width:900px){.nav-in{gap:8px}.nav-links{gap:18px;font-size:13px;order:3;width:100%;border-top:1px solid var(--border);padding:12px 0}}
@media(max-width:560px){.descriptor{display:none}}

/* ============================= BREADCRUMB ============================= */
.crumbs{padding:22px 0 0}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px;
  font:400 12px/1.5 var(--mono);color:var(--ash600)}
.crumbs li{display:flex;gap:8px;align-items:baseline}
.crumbs li+li::before{content:"/";color:var(--ash600)}
.crumbs a{color:var(--ash400);text-decoration:none}
.crumbs a:hover{color:var(--ivory);text-decoration:underline}
.crumbs [aria-current="page"]{color:var(--ash300)}

/* ============================= PAGE HEAD ============================= */
.pagehead{padding:56px 0 var(--section-gap)}
.pagehead h1{font-size:clamp(34px,4.2vw,52px);line-height:1.06;letter-spacing:-.015em;margin:20px 0 24px;max-width:14em}
.pagehead h1 em{font-style:italic;color:var(--ember300)}
.pagehead .lede{font-size:18px;color:var(--ash300);max-width:var(--measure)}
.pagehead .lede+.lede{margin-top:16px}
.pagehead .meta{margin-top:26px;font:400 12px/1.7 var(--mono);color:var(--ash400)}

/* ============================= SECTIONS ============================= */
main section{padding:0 0 var(--section-gap);position:relative}
.sec-head{display:grid;grid-template-columns:200px 1fr;gap:40px;margin-bottom:40px;align-items:baseline}
.sec-head h2{font-size:clamp(26px,3vw,36px);line-height:1.12;letter-spacing:-.01em;max-width:15em}
.sec-head p{color:var(--ash300);max-width:var(--measure);margin-top:14px;font-size:17px}
@media(max-width:760px){.sec-head{grid-template-columns:1fr;gap:12px}}

.prose{display:grid;gap:18px;color:var(--ash300);font-size:17px;max-width:var(--measure)}
.prose strong{color:var(--ivory);font-weight:500}
.prose a{color:var(--ember300)}
.prose h3{font-size:20px;font-family:var(--sans);font-weight:600;letter-spacing:0;color:var(--ivory);margin-top:10px}
.prose ul,.prose ol{margin:0;padding-left:20px;display:grid;gap:9px}
.prose li{font-size:16px}

/* card grids */
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:32px;box-shadow:var(--shadow-rest);
  transition:border-color var(--d-quick) var(--ease-kindle)}
.card:hover{border-color:var(--border-strong)}
.card .tag{font:600 11px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ash400);
  display:inline-block;padding:7px 12px;border:1px solid var(--border-strong);border-radius:999px;margin-bottom:20px}
.card .num{font:400 13px/1 var(--mono);color:var(--ember400);display:block;margin-bottom:20px}
.card h3{font-size:21px;margin-bottom:10px}
.card p{color:var(--ash300);font-size:15.5px;max-width:var(--measure)}
.card ul{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:9px}
.card li{font:400 12.5px/1.5 var(--mono);color:var(--ash400);padding-left:16px;position:relative}
.card li::before{content:"";position:absolute;left:0;top:8px;width:5px;height:1px;background:var(--ash600)}
@media(max-width:900px){.cards,.cards.three{grid-template-columns:1fr}}

/* offer rows */
.rows{display:grid;gap:14px}
.row{display:grid;grid-template-columns:230px 1fr auto;gap:24px;align-items:center;padding:22px 28px;
  background:var(--surface);border:1px solid var(--border);border-radius:12px;
  transition:border-color var(--d-quick) var(--ease-kindle)}
.row:hover{border-color:var(--border-strong)}
.row .tag{font:600 12px/1.35 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ember400)}
.row .tag a{text-decoration:none}
.row .tag a:hover{text-decoration:underline}
.row .desc{color:var(--ivory);font-size:16px}
.row .status{font:400 12px/1 var(--mono);color:var(--ash400);padding:8px 12px;border:1px solid var(--border);border-radius:999px;white-space:nowrap}
@media(max-width:800px){.row{grid-template-columns:1fr;gap:10px}}

/* steps */
.steps{display:grid;gap:0;max-width:820px}
.step{display:grid;grid-template-columns:44px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid var(--border)}
.step:last-child{border-bottom:0}
.step .n{font-family:var(--serif);font-size:24px;color:var(--ash400)}
.step h3{font-size:18px;font-family:var(--sans);font-weight:600;letter-spacing:0;margin-bottom:6px}
.step p{color:var(--ash300);font-size:15px;max-width:var(--measure)}
.step ul{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:7px}
.step li{font:400 12.5px/1.5 var(--mono);color:var(--ash400);padding-left:16px;position:relative}
.step li::before{content:"";position:absolute;left:0;top:8px;width:5px;height:1px;background:var(--ash600)}

/* notes and labels */
.note{margin-top:28px;padding:22px 26px;background:var(--surface);border:1px solid var(--border);
  border-left:3px solid var(--ember500);border-radius:0 12px 12px 0;max-width:760px}
.note p{color:var(--ash300);font-size:15.5px}
.note p+p{margin-top:12px}
.note .lab{font:400 11px/1.5 var(--mono);color:var(--ash600);display:block;margin-top:12px;letter-spacing:.05em}
.synthetic{font:400 11.5px/1.6 var(--mono);color:var(--ash400);display:block;margin-top:14px}

/* light section */
.light{background:var(--ivory);color:var(--coal);padding:var(--section-gap) 0;margin-bottom:var(--section-gap)}
.light .eyebrow{color:var(--ember600)}
.light .sec-head h2{color:var(--coal)}
.light .sec-head p,.light .prose{color:var(--ash600)}
.light .card{background:#FDFBF7;border-color:var(--sand);box-shadow:0 1px 2px rgba(22,19,15,.06)}
.light .card h3{color:var(--coal)}
.light .card p{color:var(--charcoal)}
.light .card .num{color:var(--ember600)}
.light .card .tag{color:var(--ash600);border-color:var(--sand)}
.light .note{background:#FDFBF7;border-color:var(--sand);border-left-color:var(--ember500)}
.light .note p{color:var(--charcoal)}

/* data table (change log) */
.tbl{width:100%;border-collapse:collapse;font:400 13.5px/1.6 var(--mono);color:var(--ash300)}
.tbl caption{text-align:left;font:400 12px/1.6 var(--mono);color:var(--ash600);padding-bottom:14px}
.tbl th{text-align:left;font-weight:600;color:var(--ash400);border-bottom:1px solid var(--border-strong);padding:10px 14px 10px 0;
  font-size:11.5px;letter-spacing:.06em;text-transform:uppercase}
.tbl td{border-bottom:1px solid var(--border);padding:14px 14px 14px 0;vertical-align:top}
.tbl tr:last-child td{border-bottom:0}
.tbl td:first-child{white-space:nowrap;color:var(--ash400)}
.tblwrap{overflow-x:auto;max-width:100%}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font:600 14px/1 var(--sans);
  padding:15px 22px;border-radius:8px;border:1px solid transparent;
  transition:background var(--d-quick) var(--ease-kindle),border-color var(--d-quick) var(--ease-kindle),transform 90ms var(--ease-kindle)}
.btn:active{transform:scale(.985)}
.btn-primary{background:var(--ember600);color:var(--ivory)}
.btn-primary:hover{background:var(--ember700)}
.btn-secondary{border-color:var(--border-strong);color:var(--ivory);background:transparent}
.btn-secondary:hover{background:var(--surface-raised);border-color:var(--ash400)}
.btnrow{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}

/* closing CTA */
.closing{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:clamp(28px,4vw,44px);
  display:grid;gap:16px;max-width:860px}
.closing h2{font-size:clamp(24px,2.6vw,32px);line-height:1.15;max-width:16em}
.closing p{color:var(--ash300);font-size:16px;max-width:var(--measure)}

/* inline link list */
.linklist{list-style:none;margin:0;padding:0;display:grid;gap:11px;max-width:var(--measure)}
.linklist a{color:var(--ash300);font-size:15.5px;text-decoration:none;padding-left:16px;position:relative;display:inline-block}
.linklist a::before{content:"";position:absolute;left:0;top:11px;width:6px;height:1px;background:var(--ember500)}
.linklist a:hover{color:var(--ivory);text-decoration:underline}

/* ============================= FOOTER ============================= */
.sitefoot{border-top:1px solid var(--border);padding:56px 0 64px;margin-top:auto}
.foot-in{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:44px;align-items:start}
.foot-brand{display:grid;gap:12px;max-width:var(--measure)}
.foot-brand .line{display:flex;align-items:center;gap:12px}
.foot-brand svg{width:26px;height:26px}
.foot-brand .ktf{font-family:var(--serif);font-size:18px;color:var(--ivory)}
.foot-brand p{color:var(--ash400);font-size:13.5px}
.foot-col .foot-h{font:600 11px/1.2 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ash400);margin:0 0 16px}
.foot-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.foot-col a{color:var(--ash300);font-size:14px;text-decoration:none}
.foot-col a:hover{color:var(--ivory);text-decoration:underline}
.foot-meta{grid-column:1/-1;border-top:1px solid var(--border);padding-top:24px;margin-top:8px;
  font:400 11.5px/1.7 var(--mono);color:var(--ash600);display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
@media(max-width:820px){.foot-in{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}
@media(max-width:520px){.foot-in{grid-template-columns:1fr}}

/* page shell keeps the footer at the bottom on short pages */
body.page{display:flex;flex-direction:column;min-height:100vh}
body.page main{flex:1 0 auto}

/* ============================= REDUCED MOTION ============================= */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important;scroll-behavior:auto !important}
}