/* NuLine Funding — shared design system. Ported from the HELOC funnel so every page matches it. */
:root{
  color-scheme:dark;
  --ink:#FFFFFF; --navy:#061828; --solid:#0A2540;
  --glass:rgba(10,37,64,.6); --glass-soft:rgba(10,37,64,.35);
  --slate:#94A3B8; --soft:#CBD5E1; --line:rgba(255,255,255,.1);
  --emerald:#10B981; --emerald-text:#34D399; --teal:#00C9A7;
  --gold:#F59E0B; --on-teal:#03222E; --focus:#FBBF24;
  --owed:#16324D; --owed-stripe:#24496D;
  --cta:linear-gradient(135deg,var(--emerald),var(--teal));
  --font:"Atkinson Hyperlegible",system-ui,-apple-system,"Segoe UI",sans-serif;
  --wrap:1180px; --gutter:20px; --r:14px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;color-scheme:dark}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media(pointer:fine){html{overscroll-behavior:none}}
body{
  margin:0;color:var(--ink);font-family:var(--font);font-size:1.125rem;line-height:1.65;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;position:relative;
  background-color:var(--navy);
  background-image:radial-gradient(circle at 15% 50%,rgba(16,185,129,.08),transparent 25%),
                   radial-gradient(circle at 85% 30%,rgba(0,201,167,.08),transparent 25%);
  background-attachment:fixed;
}
/* The N from the logo as a faint fixed silhouette; screen blend drops the JPEG's black. */
body::before{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background:url(/assets/nuline-n-silhouette.jpg) center / min(80vw,88vh) auto no-repeat;
  mix-blend-mode:screen;opacity:.12}
img,svg{display:block;max-width:100%}
a{color:var(--emerald-text)}a:hover{color:#A7F3D0}
a,button,input,select,textarea,summary{touch-action:manipulation;-webkit-tap-highlight-color:rgba(16,185,129,.2)}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:6px}
[id]{scroll-margin-top:96px}
h1,h2,h3{text-wrap:balance;letter-spacing:-.025em;line-height:1.12}
h1{font-size:clamp(2.1rem,5vw,3.6rem);margin:0 0 18px}
h2{font-size:clamp(1.55rem,3vw,2.2rem);margin:0 0 12px}
h3{font-size:1.1rem;margin:0 0 6px}
p{margin:0 0 1em}
.num{font-variant-numeric:tabular-nums}
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-9999px;z-index:99}
.skip:focus{left:var(--gutter);top:10px;background:var(--gold);color:#000;padding:10px 16px;border-radius:8px}
.eyebrow{color:var(--emerald-text);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px}
.lede{font-size:1.12rem;color:var(--soft);max-width:52ch}
.muted{color:var(--slate)}
.accent{color:var(--emerald-text)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:var(--cta);color:var(--on-teal);
  font-weight:700;text-decoration:none;padding:14px 26px;border-radius:999px;border:0;font:inherit;font-weight:700;
  font-size:1rem;cursor:pointer;white-space:nowrap;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(16,185,129,.28);color:var(--on-teal)}
.btn:active{transform:translateY(0)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--emerald-text);box-shadow:none;color:var(--ink)}
.btn-sm{padding:10px 20px;font-size:.92rem}
@media(prefers-reduced-motion:reduce){.btn{transition:none}.btn:hover{transform:none}}

/* header */
.site-header{position:sticky;top:0;z-index:50;isolation:isolate;background:rgba(6,24,40,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:24px;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;letter-spacing:-.02em;font-size:1.15rem;color:var(--ink);text-decoration:none}
.brand:hover{color:var(--ink)}
.brand img{width:34px;height:34px}
.nav-links{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav-links .nl{color:var(--soft);text-decoration:none;font-size:.95rem;padding:6px 2px;border-bottom:2px solid transparent}
.nav-links .nl:hover{color:var(--ink)}
.nav-links .nl[aria-current="page"]{color:var(--ink);border-bottom-color:var(--emerald-text)}
.nav-toggle{display:none;margin-left:auto;background:transparent;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;padding:10px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px}
.nav-toggle .bar{display:block;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:860px){
  .nav-toggle{display:flex}
  .nav-links{display:none;position:absolute;left:0;right:0;top:72px;z-index:60;flex-direction:column;align-items:stretch;gap:0;
    background:#061828;border-bottom:1px solid var(--line);padding:8px var(--gutter) 16px;box-shadow:0 18px 40px rgba(0,0,0,.45)}
  .nav-links.open{display:flex}
  .nav-links .nl{padding:14px 4px;border-bottom:1px solid var(--line);font-size:1.05rem}
  .nav-links .btn{margin-top:12px;align-self:flex-start}
}

/* page hero (inner pages) */
.page-hero{padding:72px 0 40px}
.page-hero .lede{margin-bottom:0}
.hero{position:relative;padding:84px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin:0 0 26px}
.trust{display:flex;gap:22px;flex-wrap:wrap;color:var(--slate);font-size:.85rem;border-top:1px solid var(--line);padding-top:18px;list-style:none;margin:0}
.trust b{color:var(--ink);display:block;font-size:1.3rem;line-height:1.2}

/* sections */
.section{padding:64px 0}
.section-head{max-width:64ch;margin-bottom:34px}
.section-head p{color:var(--slate);margin:0}
.band{background:rgba(10,37,64,.72);backdrop-filter:blur(2px);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:start}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}

/* cards */
.card{background:var(--glass);border:1px solid var(--line);border-radius:18px;padding:26px}
.card h2{font-size:1.1rem;margin:0 0 6px}
.card .sub{margin:0 0 18px;color:var(--slate);font-size:.9rem}
.tile{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:var(--glass-soft);min-width:0;
  transition:border-color .15s ease,transform .15s ease}
.tile:hover{border-color:rgba(0,201,167,.4);transform:translateY(-3px)}
.tile h3{margin:0 0 7px}
.tile p{margin:0;color:var(--slate);font-size:.92rem;line-height:1.5}
.tile p a{white-space:nowrap}
@media(prefers-reduced-motion:reduce){.tile{transition:none}.tile:hover{transform:none}}
.paths{display:grid;gap:10px}
.path{display:flex;align-items:center;gap:14px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;
  color:var(--ink);background:var(--glass-soft);transition:border-color .15s ease,transform .15s ease;min-width:0}
.path:hover{border-color:var(--emerald-text);transform:translateX(3px);color:var(--ink)}
.path .ic{width:38px;height:38px;flex:0 0 38px;border-radius:10px;display:grid;place-items:center;background:rgba(16,185,129,.14);color:var(--emerald-text)}
.path .t{font-weight:700;font-size:.97rem}.path .d{color:var(--slate);font-size:.84rem;line-height:1.4}
.path .arw{margin-left:auto;color:var(--slate)}
.tag{display:inline-block;background:var(--gold);color:#241500;font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:16px}
.chk{color:var(--emerald-text);flex:0 0 auto;margin-top:3px}
.checks{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:11px}
.checks li{display:flex;gap:11px;align-items:flex-start;color:var(--soft)}

/* feature panel (HELOC on home) */
.feature{position:relative;border:1px solid rgba(0,201,167,.3);border-radius:22px;padding:46px;overflow:hidden;
  background:linear-gradient(135deg,rgba(0,201,167,.1),rgba(10,37,64,.55))}
.feature::after{content:"";position:absolute;right:-90px;bottom:-110px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.2),transparent 68%)}
.feature-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;position:relative}
.compare-cards{display:grid;gap:12px}
.cmp{border:1px solid var(--line);border-radius:13px;padding:16px 18px;background:rgba(6,24,40,.5)}
.cmp .lbl{font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:6px}
.cmp .val{font-weight:700;line-height:1.35}
.cmp.bad .val{color:var(--soft)}.cmp.good{border-color:rgba(0,201,167,.45)}.cmp.good .val{color:var(--emerald-text)}

/* prose (legal, faq answers, about) */
.prose{max-width:72ch}
.prose p,.prose li{color:var(--soft)}
.prose h2{margin-top:2.2em}
.prose h3{margin-top:1.6em;color:var(--ink)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.prose strong{color:var(--ink)}
.prose hr{border:0;border-top:1px solid var(--line);margin:2em 0}
.prose .note{border-left:3px solid var(--gold);padding:10px 16px;background:var(--glass-soft);border-radius:0 10px 10px 0;color:var(--soft)}

/* accordion */
.faq{display:grid;gap:10px;max-width:80ch}
.faq details{border:1px solid var(--line);border-radius:12px;background:var(--glass-soft);padding:0 18px}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--emerald-text);font-size:1.4rem;line-height:1;flex:0 0 auto}
.faq details[open] summary::after{content:"−"}
.faq details > :not(summary){color:var(--soft)}
.faq details > p:last-child,.faq details > ul:last-child{margin-bottom:16px}

/* steps */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;gap:16px}
.steps li{counter-increment:s;display:flex;gap:16px;align-items:flex-start}
.steps li::before{content:counter(s);flex:0 0 38px;width:38px;height:38px;border-radius:50%;background:var(--cta);color:var(--on-teal);font-weight:700;display:grid;place-items:center}
.steps p{color:var(--slate);margin:0;font-size:.95rem}

/* tables */
table.cmp-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--glass-soft)}
.cmp-table th,.cmp-table td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);color:var(--soft)}
.cmp-table thead th{background:rgba(6,24,40,.6);color:var(--ink);font-size:.9rem}
.cmp-table th.ours,.cmp-table td.ours{color:var(--emerald-text);background:rgba(0,201,167,.06)}
.cmp-table tbody th{color:var(--ink);font-weight:700;width:28%}
.cmp-table tr:last-child td,.cmp-table tr:last-child th{border-bottom:0}
@media(max-width:700px){
  .cmp-table thead{display:none}
  .cmp-table tr,.cmp-table th,.cmp-table td{display:block;width:100%}
  .cmp-table td::before{content:attr(data-label);display:block;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:4px}
}

/* forms */
.field{display:block;margin-bottom:14px;min-width:0}
.field > span{display:block;font-size:.88rem;color:var(--soft);margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;background:rgba(6,24,40,.7);color:var(--ink);border:1px solid var(--line);border-radius:10px;
  padding:12px 14px;font:inherit;font-size:1rem}
.field select{background-color:rgba(6,24,40,.9)}
.field input:focus,.field textarea:focus,.field select:focus{border-color:var(--emerald-text);box-shadow:0 0 0 3px rgba(52,211,153,.25)}
.field input:focus:not(:focus-visible),.field textarea:focus:not(:focus-visible),.field select:focus:not(:focus-visible){outline:none}
.field .err{display:none;color:#FCA5A5;font-size:.85rem;margin-top:6px}
.field.invalid .err{display:block}
.field.invalid input,.field.invalid textarea{border-color:#F87171}
.consent{font-size:.78rem;color:var(--slate);line-height:1.5;margin:14px 0 18px}
.form-status{margin-top:14px;color:var(--soft)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.info p{margin:0 0 6px;color:var(--soft)}
.info .k{color:var(--slate);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-top:22px}
.info a{color:var(--soft);text-decoration:none}.info a:hover{color:var(--emerald-text)}

/* photo slots — replace the SVG placeholders with real JPG/WebP at the same path */
.photo{border-radius:18px;overflow:hidden;border:1px solid var(--line);background:var(--glass-soft)}
.photo img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover}
.photo.portrait img{aspect-ratio:4/5}
.photo-cap{font-size:.82rem;color:var(--slate);margin:8px 2px 0}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.readout{border:1px solid rgba(0,201,167,.35);border-radius:16px;padding:22px;background:var(--glass)}
.readout .label{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin:0 0 6px}
.readout .big{font-size:clamp(2rem,5vw,3rem);font-weight:700;margin:0 0 6px;line-height:1.1}
.readout .sub{color:var(--slate);font-size:.9rem;margin:0}
.gradient-text{background:var(--cta);-webkit-background-clip:text;background-clip:text;color:transparent}

/* HELOC estimator (ported) */
.instrument{border-radius:18px;padding:22px}
.instrument .hint{color:var(--slate);font-size:.9rem;margin:0 0 14px}
.house{width:min(100%,320px);margin:0 auto 14px}
.house text{font-weight:700;font-size:16px}
.field-row{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:6px}
.field-row label{font-size:.88rem;color:var(--soft)}
.money{width:11ch;text-align:right;background:transparent;border:0;border-bottom:1px solid var(--line);color:var(--ink);font:inherit;font-weight:700;font-size:1rem;padding:2px 0}
.money:focus{border-bottom-color:var(--emerald-text)}
.money:focus:not(:focus-visible){outline:none}
input[type=range]{width:100%;accent-color:var(--teal);margin:4px 0 14px}
#equity-note.warn{color:#FCD34D}

/* closing panel */
.closing{padding:64px 0 80px}
.panel{display:flex;gap:26px;align-items:center;border-radius:22px;padding:32px;border:1px solid rgba(245,158,11,.35);background:linear-gradient(135deg,rgba(245,158,11,.08),rgba(10,37,64,.6))}
.panel img{width:88px;height:88px;flex:0 0 88px}
.panel h2{margin-bottom:6px}
.reassure{color:var(--slate);font-size:.9rem;margin:12px 0 0}

/* footer */
.site-footer{background:rgba(4,15,26,.92);border-top:1px solid var(--line);padding:52px 0 34px;font-size:.88rem}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px;margin-bottom:34px}
.f-h{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--slate);margin:0 0 12px;font-weight:700}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer a{color:var(--soft);text-decoration:none}.site-footer a:hover{color:var(--emerald-text)}
.f-blurb{color:var(--slate);margin:12px 0;max-width:42ch}
.f-social{color:var(--slate)}
.legal{border-top:1px solid var(--line);padding-top:22px;color:var(--slate);font-size:.78rem;line-height:1.65}
.legal p{margin:0 0 6px}.legal strong{color:var(--soft)}
.eho{display:inline-block;border:1px solid var(--slate);padding:0 5px;border-radius:3px;font-size:.7rem;margin-right:6px}

/* breadcrumb */
.crumbs{font-size:.85rem;color:var(--slate);margin:0 0 18px}
.crumbs a{color:var(--slate);text-decoration:none}.crumbs a:hover{color:var(--emerald-text)}

@media(max-width:900px){
  .hero-grid,.feature-grid,.split,.calc{grid-template-columns:1fr;gap:34px}
  .grid3,.grid2{grid-template-columns:1fr}
  .f-grid{grid-template-columns:1fr 1fr;gap:26px}
  .feature{padding:30px 24px}
  .hero{padding:56px 0 48px}.page-hero{padding:48px 0 28px}
  .panel{flex-direction:column;text-align:center}
}
@media(max-width:520px){.f-grid{grid-template-columns:1fr}}

/* hero media: still image always; video fades in over it when available and motion is allowed */
.hero-media{overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-1;pointer-events:none}
.hero-bg img,.hero-bg video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right center}
.hero-bg video{opacity:0;transition:opacity .8s ease}
.hero-bg video.ready{opacity:1}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,24,40,.96) 0%,rgba(6,24,40,.85) 42%,rgba(6,24,40,.35) 75%,rgba(6,24,40,.15) 100%),linear-gradient(180deg,rgba(6,24,40,0) 70%,rgba(6,24,40,.9) 100%)}
@media(max-width:900px){.hero-bg img,.hero-bg video{object-position:70% center}.hero-bg::after{background:linear-gradient(180deg,rgba(6,24,40,.92) 0%,rgba(6,24,40,.75) 55%,rgba(6,24,40,.95) 100%)}}
@media(prefers-reduced-motion:reduce){.hero-bg video{display:none}}

/* Mobile call bar (2026-10-17) */
.call-bar{display:none}
@media(max-width:700px){
  .call-bar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(6,24,40,.94);backdrop-filter:blur(12px);border-top:1px solid var(--line)}
  .call-bar a{display:flex;align-items:center;justify-content:center;min-height:46px;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:1px solid var(--line);color:var(--ink)}
  .call-bar .call-bar-apply{background:var(--cta);color:var(--on-teal);border:0}
  body{padding-bottom:calc(76px + env(safe-area-inset-bottom))}
}