/* LendPoint design system
   Palette pulled from logo: forest green primary, sage accent, cream neutral. */

:root {
  --forest: #1F5F3F;
  --forest-dark: #163E2A;
  --sage: #6FB390;
  --sage-light: #A4D0B6;
  --cream: #F8F6F1;
  --cream-dark: #EFEAE0;
  --ink: #0F1A14;
  --ink-soft: #3D4943;
  --ink-mute: #6B7670;
  --hairline: #E4ECE6;
  --white: #FFFFFF;
  --warn: #C99A3B;
  --warn-soft: #FFF5DA;

  --font-serif: "Cormorant Garamond", "Georgia", "Times New Roman", serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(15,26,20,0.04);
  --shadow-md: 0 4px 16px rgba(15,26,20,0.06);
  --shadow-lg: 0 12px 40px rgba(15,26,20,0.08);

  --container: 1200px;
  --container-narrow: 880px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }

/* Typography */
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 500;
  line-height: 1.15;
  margin: 0 0 0.4em;
  letter-spacing: -0.01em;
  color: var(--ink);
}

h1 { font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 500; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-family: var(--font-sans); font-weight: 600; letter-spacing: 0.02em; }

p { margin: 0 0 1em; max-width: 70ch; }

a {
  color: var(--forest);
  text-decoration: none;
  border-bottom: 1px solid currentColor;
  transition: color 0.15s ease;
}
a:hover { color: var(--sage); }

.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--sage);
  font-weight: 600;
  margin: 0 0 1.2em;
  display: inline-block;
}

.lede {
  font-size: 1.2rem;
  line-height: 1.6;
  color: var(--ink-soft);
  max-width: 65ch;
}

/* Layout */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
.container--narrow {
  max-width: var(--container-narrow);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 88px 0; }
section.tight { padding: 56px 0; }

.section-dark {
  background: var(--forest-dark);
  color: var(--cream);
}
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: var(--cream); }
.section-dark .lede { color: var(--sage-light); }
.section-dark a { color: var(--sage-light); }
.section-dark a:hover { color: var(--white); }

.section-cream { background: var(--cream); }
.section-white { background: var(--white); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(248, 246, 241, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--hairline);
}
.site-header__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.site-header__logo { flex-shrink: 0; }
.site-header__nav {
  display: flex;
  gap: 28px;
  flex: 1;
  align-items: center;
}
.site-header__nav a {
  color: var(--ink);
  border: none;
  font-size: 0.95rem;
  font-weight: 500;
}
.site-header__nav a.is-active { color: var(--forest); font-weight: 600; }
.site-header__cta {
  display: flex;
  gap: 12px;
  align-items: center;
}
.site-header__portal {
  font-size: 0.8rem;
  color: var(--ink-mute);
  border: none;
}

/* Logo */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  border: none;
  color: var(--ink);
  text-decoration: none;
}
.logo img {
  height: 64px;
  width: auto;
  display: block;
}
.site-footer .logo img { height: 80px; }
@media (max-width: 600px) {
  .logo img { height: 52px; }
}
.logo__mark {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--forest);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo__pin {
  width: 16px;
  height: 22px;
}
.logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.logo__name {
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: inherit;
}
.logo__tag {
  font-size: 0.55rem;
  letter-spacing: 0.25em;
  color: var(--ink-mute);
  margin-top: 4px;
  text-transform: uppercase;
}
.section-dark .logo__name { color: var(--cream); }
.section-dark .logo__tag { color: var(--sage-light); }
.section-dark .logo__mark { background: var(--cream); }
.section-dark .logo__pin path:first-child { fill: var(--forest); }
.section-dark .logo__pin path:last-child { fill: var(--sage); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 22px;
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all 0.15s ease;
  white-space: nowrap;
}
.btn--primary {
  background: var(--forest);
  color: var(--cream);
}
.btn--primary:hover { background: var(--forest-dark); color: var(--white); }
.btn--ghost {
  background: transparent;
  color: var(--forest);
  border: 1px solid var(--forest);
}
.btn--ghost:hover { background: var(--forest); color: var(--cream); }
.btn--sage {
  background: var(--sage);
  color: var(--ink);
}
.btn--sage:hover { background: var(--sage-light); }
.btn--dark-ghost {
  background: transparent;
  color: var(--cream);
  border: 1px solid var(--sage);
}
.btn--dark-ghost:hover { background: var(--sage); color: var(--ink); }

.btn--lg { padding: 16px 28px; font-size: 1rem; }
.btn--sm { padding: 9px 16px; font-size: 0.85rem; }

/* Hero */
.hero {
  padding: 100px 0 80px;
  background: var(--cream);
}
.hero h1 {
  max-width: 22ch;
  margin-bottom: 24px;
}
.hero .lede {
  margin-bottom: 36px;
}
.hero__ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
}
.hero__tertiary {
  margin-top: 20px;
  font-size: 0.9rem;
  color: var(--ink-mute);
  border: none;
}

/* Trust strip */
.trust-strip {
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
  padding: 28px 0;
  background: var(--cream);
}
.trust-strip__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-strip__item {
  font-size: 0.9rem;
  color: var(--ink-soft);
  text-align: center;
}
.trust-strip__item strong { color: var(--ink); display: block; font-weight: 600; }

/* Cards */
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--hairline);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.card h3 { margin-bottom: 12px; }
.card p { color: var(--ink-soft); }
.card__cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-weight: 600;
  border: none;
}

.card--feature {
  background: var(--cream-dark);
  border: none;
}
.card--dark {
  background: var(--forest);
  color: var(--cream);
  border: none;
}
.card--dark h3 { color: var(--cream); }
.card--dark p { color: var(--sage-light); }
.card--dark .card__cta { color: var(--sage-light); }

/* Three-door grid (homepage) — equal weight for balance */
.doors {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 20px;
}
.doors .card { padding: 40px; }
.doors .card:first-child {
  background: linear-gradient(135deg, var(--forest) 0%, var(--forest-dark) 100%);
  color: var(--cream);
}
.doors .card:first-child h3 { color: var(--cream); font-size: 1.7rem; }
.doors .card:first-child p { color: var(--sage-light); }
.doors .card:first-child .card__cta { color: var(--sage); }

@media (max-width: 900px) {
  .doors { grid-template-columns: 1fr; }
}

/* Generic grids */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-6 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

@media (max-width: 900px) {
  .grid-2, .grid-3, .grid-4, .grid-6 { grid-template-columns: 1fr; }
}

/* Metric cards (investor page) */
.metric-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius-md);
  padding: 28px;
}
.metric-card__label {
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-mute);
  font-weight: 600;
  margin-bottom: 8px;
}
.metric-card__value {
  font-family: var(--font-serif);
  font-size: 2.2rem;
  color: var(--forest);
  font-weight: 500;
  letter-spacing: -0.01em;
}
.section-dark .metric-card {
  background: rgba(255,255,255,0.04);
  border-color: rgba(255,255,255,0.08);
}
.section-dark .metric-card__label { color: var(--sage-light); }
.section-dark .metric-card__value { color: var(--cream); }

/* Two-column compare block */
.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 32px 0;
}
.compare__col {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  border-top: 4px solid var(--forest);
}
.compare__col--no { border-top-color: var(--warn); }
.compare__col h4 { margin-bottom: 16px; }
.compare__col ul { padding-left: 20px; margin: 0; }
.compare__col li { margin-bottom: 8px; color: var(--ink-soft); }
@media (max-width: 800px) { .compare { grid-template-columns: 1fr; } }

/* Testimonial */
.testimonial {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--hairline);
}
.testimonial__quote {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  line-height: 1.5;
  color: var(--ink);
  margin: 0 0 20px;
  font-style: italic;
}
.testimonial__person {
  display: flex;
  gap: 14px;
  align-items: center;
}
.testimonial__photo {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--cream-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  color: var(--forest);
  flex-shrink: 0;
}
.testimonial__meta {
  font-size: 0.9rem;
  line-height: 1.4;
}
.testimonial__name { font-weight: 600; }
.testimonial__detail { color: var(--ink-mute); }

/* Tables */
.spec-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--hairline);
}
.spec-table th, .spec-table td {
  padding: 16px 20px;
  text-align: left;
  border-bottom: 1px solid var(--hairline);
}
.spec-table th {
  background: var(--cream-dark);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.spec-table tr:last-child td { border-bottom: none; }

/* Worked example callout */
.callout {
  background: var(--forest-dark);
  color: var(--cream);
  border-radius: var(--radius-md);
  padding: 32px;
  font-family: 'JetBrains Mono', 'Courier New', monospace;
  font-size: 0.95rem;
  line-height: 1.8;
  margin: 32px 0;
}
.callout__row { display: flex; justify-content: space-between; gap: 20px; }
.callout__row strong { color: var(--sage-light); font-weight: 500; }

/* FAQ accordion */
.faq__item {
  border-bottom: 1px solid var(--hairline);
  padding: 20px 0;
}
.faq__q {
  cursor: pointer;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq__q::-webkit-details-marker { display: none; }
.faq__q::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--sage);
  font-weight: 300;
}
.faq__item[open] .faq__q::after { content: '−'; }
.faq__a {
  margin-top: 12px;
  color: var(--ink-soft);
}

/* Step block */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  counter-reset: step;
}
.step {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--hairline);
  position: relative;
  counter-increment: step;
}
.step::before {
  content: "0" counter(step);
  font-family: var(--font-serif);
  font-size: 2.4rem;
  color: var(--sage);
  font-weight: 500;
  line-height: 1;
  display: block;
  margin-bottom: 12px;
}
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }

/* Closing band */
.closing-band {
  background: var(--forest-dark);
  color: var(--cream);
  padding: 80px 0;
  text-align: center;
}
.closing-band h2 { color: var(--cream); margin-bottom: 16px; }
.closing-band p { color: var(--sage-light); margin: 0 auto 32px; max-width: 50ch; }
.closing-band__ctas { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* Footer */
.site-footer {
  background: var(--ink);
  color: var(--cream);
  padding: 64px 0 32px;
}
.site-footer__cols {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.site-footer h4 {
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--sage-light);
  margin-bottom: 16px;
  font-weight: 600;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a {
  color: var(--cream);
  border: none;
  font-size: 0.95rem;
}
.site-footer a:hover { color: var(--sage); }
.site-footer__about p { color: var(--ink-mute); font-size: 0.9rem; max-width: 32ch; }
.site-footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.85rem;
  color: var(--ink-mute);
}
.site-footer__legal a { color: var(--ink-mute); margin-right: 16px; font-size: 0.85rem; }
.site-footer__legal a:hover { color: var(--sage); }
@media (max-width: 800px) {
  .site-footer__cols { grid-template-columns: 1fr 1fr; }
  .site-footer__about { grid-column: 1 / -1; }
}

/* Placeholder pill — used inline to flag content that needs to be filled in */
.todo {
  display: inline-block;
  background: var(--warn-soft);
  color: var(--warn);
  padding: 2px 8px;
  border-radius: 4px;
  font-family: 'JetBrains Mono', 'Courier New', monospace;
  font-size: 0.85em;
  font-weight: 600;
  border: 1px dashed var(--warn);
}
.todo--block {
  display: block;
  padding: 16px 20px;
  margin: 16px 0;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  line-height: 1.5;
}

/* Floating todo banner */
.todo-banner {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--ink);
  color: var(--cream);
  padding: 12px 20px;
  border-radius: 999px;
  font-size: 0.85rem;
  box-shadow: var(--shadow-lg);
  z-index: 100;
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  border: none;
}
.todo-banner:hover { background: var(--forest); color: var(--cream); }
.todo-banner__count {
  background: var(--warn);
  color: var(--ink);
  border-radius: 999px;
  padding: 2px 10px;
  font-weight: 700;
  font-size: 0.75rem;
}

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  background: transparent;
  border: none;
  color: var(--ink);
  cursor: pointer;
  padding: 8px;
}
@media (max-width: 900px) {
  .site-header__nav { display: none; }
  .site-header__nav.is-open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--cream);
    flex-direction: column;
    padding: 24px;
    border-bottom: 1px solid var(--hairline);
    gap: 16px;
  }
  .nav-toggle { display: block; margin-left: auto; }
}

/* Small screens */
@media (max-width: 600px) {
  body { font-size: 16px; }
  section { padding: 64px 0; }
  .hero { padding: 64px 0 56px; }
  .site-header__inner { padding: 12px 16px; }
  .container, .container--narrow { padding: 0 16px; }
}

/* Pillars (3-column with simple icons) */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.pillar h3 { margin-bottom: 12px; }
.pillar__num {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  color: var(--sage);
  font-weight: 500;
  line-height: 1;
  margin-bottom: 12px;
}
@media (max-width: 800px) { .pillars { grid-template-columns: 1fr; } }

/* Track record cards */
.deal-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 24px;
  border: 1px solid var(--hairline);
  border-left: 4px solid var(--sage);
}
.deal-card__industry { font-size: 0.85rem; color: var(--ink-mute); text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600; }
.deal-card__title { font-family: var(--font-serif); font-size: 1.2rem; margin: 6px 0 16px; }
.deal-card__row { display: flex; justify-content: space-between; padding: 6px 0; font-size: 0.9rem; border-bottom: 1px dotted var(--hairline); }
.deal-card__row:last-child { border-bottom: none; }
.deal-card__row strong { color: var(--ink); }

/* Leadership card */
.leader-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
  border: 1px solid var(--hairline);
}
.leader-card__photo {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: var(--cream-dark);
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--forest);
}
.leader-card h4 { font-family: var(--font-serif); font-size: 1.3rem; font-weight: 500; margin-bottom: 4px; }
.leader-card__title { color: var(--sage); font-size: 0.85rem; letter-spacing: 0.05em; text-transform: uppercase; font-weight: 600; margin-bottom: 12px; }
.leader-card p { font-size: 0.95rem; color: var(--ink-soft); }

/* Editorial */
.editorial { max-width: 70ch; margin: 0 auto; }
.editorial p { font-size: 1.1rem; line-height: 1.75; }
.editorial h2 { margin-top: 2.4em; }
.editorial h3 { margin-top: 1.8em; }
.editorial blockquote {
  border-left: 3px solid var(--sage);
  padding-left: 24px;
  margin: 32px 0;
  font-family: var(--font-serif);
  font-size: 1.3rem;
  line-height: 1.5;
  font-style: italic;
  color: var(--ink-soft);
}

/* Form */
.form-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 40px;
  border: 1px solid var(--hairline);
  max-width: 600px;
  margin: 0 auto;
}
.form-row { margin-bottom: 20px; }
.form-row label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 6px; }
.form-row input, .form-row select, .form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--hairline);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--cream);
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus {
  outline: none;
  border-color: var(--forest);
  background: var(--white);
}
.form-row__hint { font-size: 0.8rem; color: var(--ink-mute); margin-top: 4px; }

/* Page header (interior pages) */
.page-header {
  padding: 64px 0 48px;
  background: var(--cream-dark);
  border-bottom: 1px solid var(--hairline);
}
.page-header h1 { max-width: 22ch; }

/* Crumbs */
.breadcrumbs {
  font-size: 0.85rem;
  color: var(--ink-mute);
  margin-bottom: 16px;
}
.breadcrumbs a { color: var(--ink-mute); border: none; }
.breadcrumbs a:hover { color: var(--forest); }

/* Hero with image */
.hero--split {
  padding: 80px 0;
}
.hero--split .container {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero__image {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4 / 5;
  background: var(--cream-dark);
  box-shadow: var(--shadow-lg);
}
.hero__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__image-tag {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background: rgba(15, 26, 20, 0.85);
  backdrop-filter: blur(10px);
  color: var(--cream);
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
}
.hero__image-tag strong { display: block; color: var(--sage-light); font-size: 0.75rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 4px; }
@media (max-width: 900px) {
  .hero--split .container { grid-template-columns: 1fr; }
  .hero__image { aspect-ratio: 16 / 10; max-height: 480px; }
}

/* Photo gallery */
.photo-gallery {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
@media (min-width: 1100px) {
  .photo-gallery { grid-template-columns: repeat(4, 1fr); }
}
.photo-card {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  aspect-ratio: 4 / 3;
  background: var(--cream-dark);
  cursor: pointer;
  border: none;
  text-decoration: none;
  display: block;
}
.photo-card:hover img { transform: scale(1.04); }
.photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.photo-card__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 26, 20, 0) 40%, rgba(15, 26, 20, 0.85) 100%);
  display: flex;
  align-items: flex-end;
  padding: 24px;
  color: var(--cream);
}
.photo-card__overlay h3 {
  color: var(--cream);
  margin: 0 0 4px;
  font-size: 1.3rem;
  font-family: var(--font-serif);
}
.photo-card__overlay span {
  color: var(--sage-light);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
}
@media (max-width: 800px) {
  .photo-gallery { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .photo-gallery { grid-template-columns: 1fr; }
}

/* Real testimonial photo */
.testimonial__photo--real {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  overflow: hidden;
  background: var(--cream-dark);
  flex-shrink: 0;
}
.testimonial__photo--real img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Welcome merchants block */
.welcome-merchants {
  background: linear-gradient(135deg, var(--cream) 0%, var(--cream-dark) 100%);
  padding: 88px 0;
}
.welcome-merchants .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.welcome-merchants__image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 5 / 4;
  background: var(--cream-dark);
  box-shadow: var(--shadow-md);
}
.welcome-merchants__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
@media (max-width: 900px) {
  .welcome-merchants .container { grid-template-columns: 1fr; }
}

/* Page banner photo — wide image strip below hero on every page */
.page-photo {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px 24px;
}
.page-photo__inner {
  width: 100%;
  height: 380px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
  background: var(--cream-dark);
  box-shadow: var(--shadow-md);
}
.page-photo__inner img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
@media (max-width: 800px) {
  .page-photo__inner { height: 240px; }
  .page-photo { padding: 0 16px 16px; }
}

/* Securities notice strip */
.securities-notice {
  background: var(--ink);
  color: var(--cream);
  padding: 12px 0;
  font-size: 0.82rem;
  line-height: 1.5;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.securities-notice .container { display: flex; gap: 12px; align-items: flex-start; }
.securities-notice__icon {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--sage);
  color: var(--ink);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.75rem;
  font-family: var(--font-serif);
  margin-top: 1px;
}
.securities-notice strong { color: var(--sage-light); font-weight: 600; }

/* Securities footer block (full text, denser) */
.securities-footer {
  background: var(--cream-dark);
  padding: 40px 0;
  border-top: 1px solid var(--hairline);
}
.securities-footer__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  font-size: 0.85rem;
  line-height: 1.65;
  color: var(--ink-mute);
  column-count: 2;
  column-gap: 48px;
}
.securities-footer__inner p {
  max-width: none;
  margin: 0 0 12px;
  break-inside: avoid;
}
.securities-footer__inner strong { color: var(--ink-soft); }
@media (max-width: 800px) {
  .securities-footer__inner { column-count: 1; }
}

/* Industry hero photo */
.industry-hero {
  position: relative;
  padding: 0;
  height: 320px;
  background: var(--ink);
  overflow: hidden;
}
.industry-hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.55;
}
.industry-hero__inner {
  position: relative;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding-bottom: 32px;
  z-index: 1;
}
.industry-hero h1 { color: var(--cream); margin-bottom: 8px; max-width: 22ch; }
.industry-hero .breadcrumbs { color: var(--sage-light); }
.industry-hero .breadcrumbs a { color: var(--sage-light); }
.industry-hero .eyebrow { color: var(--sage); }
.industry-hero .lede { color: var(--cream); max-width: 60ch; }