/* AssessLending - graphite instrument on chalk paper, marigold level bubble. Ruler ticks as rules, 8px radii. */
:root{
  --bg:#F6F3EC;--card:#FFFFFF;--ink:#22272E;--text:#2A3038;--muted:#5B6168;
  --accent:#F2B705;--accent-deep:#7D6000;--accent-tint:#F7EBC4;--parch:#E6DCC2;--line:#E2DDD2;
  --graphite:#3A4048;--steel:#B8BDC6;--foot-bg:#1B1F25;--foot-text:#D3D6DB;--foot-link:#F2C94C;--dim:#A9AEB6;
  --fd:"Maven Pro",system-ui,sans-serif;--fb:"Encode Sans",system-ui,sans-serif;--r:8px;--wrap:1120px;
  --tick:repeating-linear-gradient(90deg,var(--steel) 0 1px,transparent 1px 8px);
  --tick-big:repeating-linear-gradient(90deg,var(--graphite) 0 1px,transparent 1px 40px);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.15;margin:0;font-weight:600;text-wrap:balance}
p,ul{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:var(--r)}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--fd);font-weight:700;font-size:16px;padding:14px 26px;border-radius:var(--r);border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .2s cubic-bezier(.22,1,.36,1),transform .2s cubic-bezier(.22,1,.36,1)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--graphite);outline-offset:2px}
.btn-primary{background:var(--accent);color:var(--ink);border-color:var(--accent)}
.btn-primary:hover{background:#FFC61A;border-color:#FFC61A}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--graphite)}
.btn-ghost:hover{background:var(--accent-tint)}
.rule{height:10px;background:var(--tick) left bottom/100% 5px no-repeat,var(--tick-big) left bottom/100% 10px no-repeat}

/* header: static white mast with a ruler strip under it */
.mast{background:var(--card);position:relative;z-index:5}
.mast-in{display:flex;align-items:center;gap:28px;height:68px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:700;font-size:22px;letter-spacing:-.01em;color:var(--ink)}
.wm b{font-weight:700;color:var(--accent-deep)}
.nav{display:flex;align-items:center;gap:26px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;padding:4px 0;border-bottom:2px solid transparent;transition:border-color .2s}
.nav a:hover{border-bottom-color:var(--accent)}
.mast-note{font-family:var(--fd);font-weight:600;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);padding-left:16px;border-left:1px solid var(--line)}
.nb{display:none;width:42px;height:42px;border:1px solid var(--line);background:var(--card);border-radius:var(--r);flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;transition:transform .3s cubic-bezier(.22,1,.36,1),opacity .3s}
.nb[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nb[aria-expanded="true"] span:nth-child(2){opacity:0}
.nb[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mast .rule{height:10px;background-color:var(--bg)}
@media(max-width:860px){
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--card);border-top:1px solid var(--line);border-bottom:3px solid var(--accent);flex-direction:column;align-items:stretch;gap:0;padding:6px 0 10px;box-shadow:0 18px 40px rgba(34,39,46,.16);margin:0;z-index:6}
  .nav.open{display:flex}
  .nav a{padding:13px 20px;border:0;border-top:1px solid var(--line);font-size:17px}
  .nav a:first-child{border-top:0}
  .mast-note{display:none}
  .nb{display:inline-flex;margin-left:auto}
}

/* hero: measured fields under a chalk veil, level line above the card, card first, gauge chips, H1 below */
.hero{position:relative;padding:44px 0 68px;overflow:hidden;background:var(--parch)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(246,243,236,.18) 0%,rgba(246,243,236,.50) 30%,rgba(246,243,236,.86) 64%,#F6F3EC 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.hero-eyebrow{display:inline-flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:12px;font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);margin:0 0 18px}
.hero-eyebrow i{display:inline-block;width:1px;height:14px;background:var(--graphite)}
.level{width:200px;margin:0 auto 14px;display:block}
.form-card{background:var(--card);border:1px solid #C9CDD3;border-radius:var(--r);box-shadow:0 28px 60px rgba(34,39,46,.16);padding:0 24px 16px;width:100%;max-width:var(--card-max,560px);margin:0 auto;text-align:left}
.form-card__scale{position:relative;height:12px;margin:0 -24px 18px;border-radius:7px 7px 0 0;background:var(--tick) left bottom/100% 6px no-repeat,var(--tick-big) left bottom/100% 12px no-repeat,var(--accent-tint)}
.form-card__scale::after{content:"";position:absolute;left:50%;bottom:-5px;width:22px;height:10px;margin-left:-11px;border-radius:50%;background:var(--accent);border:1px solid var(--accent-deep)}
.form-card__head h2{font-size:24px;letter-spacing:-.01em;line-height:1.15}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:6px}
.form-host{margin-top:14px}
.form-card__trust{margin-top:14px;padding-top:12px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.5;display:flex;align-items:center;justify-content:center;gap:8px;flex-wrap:wrap}
.form-card__trust svg{width:18px;height:12px;flex:0 0 18px}
:root{--card-max:780px;--cta-text:#22272E}
.ticks{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:26px auto 0;padding:0;list-style:none;max-width:880px}
.ticks li{background:var(--card);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:0 var(--r) var(--r) 0;padding:10px 12px;font-family:var(--fd);font-weight:600;font-size:14px;color:var(--ink);text-align:left;line-height:1.35}
.hero-h1{font-size:clamp(30px,4.6vw,50px);letter-spacing:-.015em;max-width:800px;margin:40px auto 0}
.hero-sub{max-width:660px;margin:14px auto 0;font-size:17px;color:var(--text);text-wrap:pretty}
@media(max-width:860px){.ticks{grid-template-columns:1fr 1fr}}
@media(max-width:600px){
  .hero{padding:28px 0 48px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:0 16px 14px}
  .form-card__scale{margin:0 -16px 16px}
  .ticks{gap:8px;margin-top:20px}
  .ticks li{font-size:13px;padding:9px 10px}
  .hero-eyebrow{font-size:11px;letter-spacing:.12em;gap:6px 14px;max-width:320px}
  .hero-eyebrow i{display:none}
  .hero-h1{margin-top:30px}
}

/* gauge: six readings on a vertical scale, graphite band */
.gauge{background:var(--graphite);color:var(--bg);padding:80px 0}
.gauge .eyebrow{color:var(--accent)}
.gauge h2{color:#fff;font-size:clamp(26px,3.4vw,40px);margin-top:10px;letter-spacing:-.012em;max-width:720px}
.gauge-list{list-style:none;margin:34px 0 0;padding:0 0 0 34px;position:relative;max-width:820px}
.gauge-list::before{content:"";position:absolute;left:8px;top:0;bottom:0;width:2px;background:rgba(246,243,236,.28)}
.gauge-list li{position:relative;font-family:var(--fd);font-weight:500;font-size:22px;line-height:1.3;color:#F6F3EC;padding:16px 0}
.gauge-list li::before{content:"";position:absolute;left:-34px;top:50%;width:22px;height:3px;margin-top:-1px;background:var(--accent)}
.gauge-list li+li{border-top:1px solid rgba(246,243,236,.14)}
.gauge-close{margin-top:34px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 32px;border-top:2px solid rgba(246,243,236,.28);padding-top:30px}
.gauge-close p{max-width:640px;font-size:16.5px;color:#E7E4DC}
@media(max-width:700px){.gauge{padding:60px 0}.gauge-list li{font-size:19px;padding:13px 0}}

/* readings: three stops on one horizontal level track */
.readings{padding:92px 0 84px}
.sec-head{max-width:720px}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);margin-top:10px;letter-spacing:-.012em}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}
.track{position:relative;margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.track::before{content:"";position:absolute;left:0;right:0;top:19px;height:3px;background:var(--graphite);border-radius:2px}
.track::after{content:"";position:absolute;left:0;right:0;top:26px;height:6px;background:var(--tick) left top/100% 6px no-repeat}
.stop{position:relative;padding-top:60px}
.stop .bub{position:absolute;left:0;top:8px;width:40px;height:26px;border-radius:50%;background:var(--accent);border:2px solid var(--ink);display:flex;align-items:center;justify-content:center;font-family:var(--fd);font-weight:700;font-size:13px;color:var(--ink)}
.stop h3{font-size:23px;letter-spacing:-.01em}
.stop p{margin-top:10px;color:var(--text);font-size:16.5px;text-wrap:pretty}
.stop .out{display:inline-block;margin-top:14px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-deep);border-top:2px solid var(--accent);padding-top:8px}
@media(max-width:760px){.readings{padding:64px 0 56px}.track{grid-template-columns:1fr;gap:26px;margin-top:34px;padding-left:34px}.track::before{left:11px;right:auto;top:0;bottom:0;width:3px;height:auto}.track::after{display:none}.stop{padding-top:0}.stop .bub{left:-34px;top:2px;width:26px;height:26px}}
/* band: the measured boundary line, statement on a graphite veil */
.band{position:relative;overflow:hidden;background:var(--ink);color:#fff}
.band-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(34,39,46,.94) 0%,rgba(34,39,46,.88) 48%,rgba(34,39,46,.28) 100%)}
.band-in{position:relative;z-index:1;padding:100px 0;max-width:580px}
.band .eyebrow{color:var(--accent)}
.band h2{color:#fff;font-size:clamp(30px,4vw,46px);margin-top:12px;letter-spacing:-.012em}
.band p{margin-top:16px;font-size:17px;color:#E7E4DC;max-width:500px;text-wrap:pretty}
.band-link{display:inline-flex;align-items:center;gap:8px;margin-top:26px;font-family:var(--fd);font-weight:700;font-size:15px;color:var(--accent);text-decoration:none;border-bottom:2px solid rgba(242,183,5,.5);padding-bottom:3px}
.band-link:hover{border-bottom-color:var(--accent)}
@media(max-width:600px){.band-veil{background:linear-gradient(180deg,rgba(34,39,46,.92) 0%,rgba(34,39,46,.86) 100%)}.band-in{padding:64px 0}}

/* plumb: dark why band, spirit-level artwork + trio */
.plumb{background:var(--foot-bg);color:var(--foot-text);padding:92px 0;overflow:hidden}
.plumb-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.plumb .eyebrow{color:var(--accent)}
.plumb h2{color:#fff;font-size:clamp(28px,3.6vw,42px);margin-top:10px;letter-spacing:-.012em}
.plumb-lead{margin-top:14px;color:var(--dim);font-size:16.5px;text-wrap:pretty}
.trio{list-style:none;margin:28px 0 0;padding:0;border-top:1px solid rgba(211,214,219,.16)}
.trio li{display:grid;grid-template-columns:44px 1fr;gap:12px;padding:20px 0;border-bottom:1px solid rgba(211,214,219,.16)}
.trio b{font-family:var(--fd);font-weight:700;color:var(--accent);font-size:13px;letter-spacing:.12em;padding-top:5px}
.trio h3{color:#fff;font-size:19px}
.trio p{margin-top:6px;color:var(--dim);font-size:15.5px;text-wrap:pretty}
.art{width:100%}
@media(max-width:900px){.plumb{padding:64px 0}.plumb-grid{grid-template-columns:1fr;gap:36px}.art{max-width:520px;margin:0 auto}}

/* guides: three index cards with a tick rule */
.guides{padding:84px 0 20px}
.gcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}
.gcard{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:0 22px 22px;text-decoration:none;color:var(--text);transition:transform .3s cubic-bezier(.22,1,.36,1),box-shadow .3s}
.gcard:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(34,39,46,.12)}
.gcard .rule{height:8px;margin:0 -22px 18px;background:var(--tick) left bottom/100% 4px no-repeat,var(--tick-big) left bottom/100% 8px no-repeat,var(--accent-tint);border-radius:7px 7px 0 0}
.gcard span{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep)}
.gcard h3{font-size:20px;margin-top:8px;letter-spacing:-.01em}
.gcard p{margin-top:10px;font-size:15.5px;color:var(--muted);text-wrap:pretty}
.gcard em{display:inline-block;margin-top:14px;font-style:normal;font-family:var(--fd);font-weight:700;font-size:14px;color:var(--ink);border-bottom:2px solid var(--accent)}
@media(max-width:860px){.guides{padding:64px 0 10px}.gcards{grid-template-columns:1fr}}

/* faq: single-column rows, level glyph per question */
.faq{padding:72px 0 84px}
.faq-rows{margin-top:34px;border-top:2px solid var(--graphite)}
.frow{display:grid;grid-template-columns:34px 1fr;gap:10px 14px;padding:24px 0;border-bottom:1px solid var(--line)}
.frow svg{width:24px;height:14px;margin-top:6px}
.frow h3{font-size:20px;letter-spacing:-.005em;line-height:1.3}
.frow p{grid-column:2;color:var(--text);font-size:16.5px;max-width:760px;text-wrap:pretty}
@media(max-width:760px){.faq{padding:56px 0 60px}.frow{padding:18px 0}.frow h3{font-size:18px}}

/* final: closing CTA on parchment */
.final{padding:84px 0;background:var(--accent-tint);border-top:1px solid var(--parch)}
.final-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.final h2{font-size:clamp(28px,3.6vw,42px);letter-spacing:-.012em}
.final p{margin-top:10px;color:var(--muted);max-width:560px;text-wrap:pretty}
@media(max-width:760px){.final{padding:60px 0}.final-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:64px 0 40px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 40px;align-items:start;padding-bottom:28px;border-bottom:1px solid rgba(211,214,219,.14)}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:10px;color:var(--dim);max-width:480px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fd);font-weight:600;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(242,201,76,.5);padding-bottom:2px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 0;margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:600;font-size:14px;padding:4px 14px;border-left:1px solid rgba(211,214,219,.25)}
.legal-links a:first-child{padding-left:0;border-left:0}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(211,214,219,.14)}
.disc p{color:var(--dim);font-size:13px;line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#fff;font-weight:600}
.disc a{color:var(--foot-link)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}.legal-links a{padding:4px 10px}}

/* subpage prose */
.sub main{background:var(--bg)}
.prose{max-width:740px;padding:56px 20px 88px}
.prose h1{font-size:clamp(32px,4.4vw,44px);letter-spacing:-.015em}
.prose .updated{margin-top:10px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:23px;margin-top:40px;padding-top:22px;border-top:1px solid var(--line);letter-spacing:-.01em}
.prose h3{font-size:19px;margin-top:26px}
.prose p{margin-top:14px;line-height:1.7;text-wrap:pretty}
.prose ul,.prose ol{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.65;padding-left:4px}
.prose li::marker{color:var(--accent-deep);font-weight:700}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose table{width:100%;border-collapse:collapse;margin-top:16px;font-size:15.5px}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-family:var(--fd);font-weight:600;color:var(--ink);border-bottom:2px solid var(--graphite)}
.prose .btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose .btn-primary{color:var(--ink)}
.prose .btn-ghost{color:var(--ink)}
.prose .note{margin-top:22px;padding:16px 18px;background:var(--card);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:0 var(--r) var(--r) 0;font-size:15.5px}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}