/* ============================================================
   Loans by Lex — Design System
   A sibling to the Marvel Mortgage system: same Fraunces/Outfit
   voice and champagne-gold-on-black spine, warmed with a clay
   accent. The brokerage site is the institution; this one is
   the person. Mobile-first — most visitors arrive on a phone.
   ============================================================ */

:root {
  /* Ground */
  --ink: #0a0908;
  --ink-soft: #121010;
  --ink-raised: #1a1714;
  --ink-lift: #221d18;

  /* Champagne gold — carried over from Marvel Mortgage */
  --gold: #d4b87c;
  --gold-bright: #e9d7a6;
  --gold-deep: #a8894e;
  --gold-grad: linear-gradient(135deg, #e9d7a6 0%, #d4b87c 45%, #b8945a 100%);

  /* Clay — the warmth that makes this page hers */
  --bloom: #c98a72;
  --bloom-soft: #e0a894;
  --bloom-grad: linear-gradient(135deg, #e0a894 0%, #c98a72 60%, #a86b55 100%);

  /* Light surfaces */
  --paper: #faf6ee;
  --paper-soft: #f2ebdd;
  --ink-on-paper: #17130f;
  --muted-on-light: #6b6153;

  /* Text on dark */
  --cream: #f6f1e7;
  --muted: rgba(246, 241, 231, 0.62);
  --muted-dim: rgba(246, 241, 231, 0.42);

  /* Lines */
  --line: rgba(212, 184, 124, 0.18);
  --line-dim: rgba(212, 184, 124, 0.09);
  --line-on-light: rgba(23, 19, 15, 0.12);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);

  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-body: "Outfit", -apple-system, BlinkMacSystemFont, "Helvetica Neue", sans-serif;

  --maxw: 1180px;
  --gutter: clamp(20px, 5.5vw, 48px);

  /* Fixed header height — hero and anchor offsets both read this */
  --nav-h: 66px;
}

@media (min-width: 900px) {
  :root { --nav-h: 82px; }
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  /* anchors land below the fixed bar, never under it */
  scroll-padding-top: calc(var(--nav-h) + 12px);
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-weight: 300;
  font-size: 16px;
  line-height: 1.65;
  color: var(--cream);
  background: var(--ink);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: none; cursor: pointer; }
::selection { background: var(--gold); color: var(--ink); }

:focus-visible {
  outline: 2px solid var(--gold-bright);
  outline-offset: 3px;
  border-radius: 2px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  background: var(--gold);
  color: var(--ink);
  padding: 12px 20px;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.skip-link:focus { left: 8px; top: 8px; }

.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   Typography
   ============================================================ */

.display {
  font-family: var(--font-display);
  font-weight: 350;
  line-height: 1.06;
  letter-spacing: -0.02em;
  font-size: clamp(34px, 9vw, 76px);
}

.display em,
.gold-em {
  font-style: italic;
  font-weight: 300;
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: var(--gold);
  /* background-clip: text only paints inside the element's box, and italic
     glyphs lean past it, so a line's last letter loses its right edge.
     The padding widens the painted area; the equal negative margin keeps
     the layout where it was. clone repeats both on every wrapped line. */
  padding: 0 0.2em 0 0.15em;
  margin: 0 -0.2em 0 -0.15em;
  -webkit-box-decoration-break: clone;
  box-decoration-break: clone;
}

.h2 {
  font-family: var(--font-display);
  font-weight: 350;
  line-height: 1.1;
  letter-spacing: -0.015em;
  font-size: clamp(28px, 6.4vw, 48px);
}

.h3 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(19px, 3.4vw, 23px);
  line-height: 1.25;
  letter-spacing: -0.01em;
}

.eyebrow {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold);
}

.eyebrow::before {
  content: "";
  width: 32px;
  height: 1px;
  background: currentColor;
  opacity: 0.55;
  flex-shrink: 0;
}

.eyebrow.centered { justify-content: center; }
.eyebrow.centered::after {
  content: "";
  width: 32px;
  height: 1px;
  background: currentColor;
  opacity: 0.55;
  flex-shrink: 0;
}

.eyebrow.on-light { color: var(--gold-deep); }

.lede {
  font-size: clamp(16px, 2.2vw, 19px);
  color: var(--muted);
  font-weight: 300;
  max-width: 58ch;
}

.lede.on-light { color: var(--muted-on-light); }

/* ============================================================
   Buttons
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 11px;
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 16px 28px;
  min-height: 52px;
  border: 1px solid transparent;
  border-radius: 2px;
  text-align: center;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease),
              background 0.4s var(--ease), border-color 0.4s var(--ease), color 0.4s var(--ease);
}

.btn .arrow { transition: transform 0.4s var(--ease); }
.btn:hover .arrow { transform: translateX(5px); }

.btn-gold {
  background: var(--gold-grad);
  color: var(--ink);
  box-shadow: 0 8px 30px rgba(212, 184, 124, 0.22);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 42px rgba(212, 184, 124, 0.36);
}

.btn-ghost {
  border-color: var(--line);
  color: var(--cream);
}
.btn-ghost:hover {
  border-color: var(--gold);
  color: var(--gold-bright);
  background: rgba(212, 184, 124, 0.06);
}

.btn-dark {
  background: var(--ink);
  color: var(--cream);
  box-shadow: 0 8px 30px rgba(10, 9, 8, 0.2);
}
.btn-dark:hover { transform: translateY(-2px); background: var(--ink-raised); }

.btn-sm { padding: 12px 20px; min-height: 44px; font-size: 11px; letter-spacing: 0.14em; }

/* Outbound links to the brokerage carry a small mark so the handoff is honest */
.btn .ext,
.ilink .ext {
  font-size: 0.85em;
  opacity: 0.7;
  transform: translateY(-1px);
}

.ilink {
  color: var(--gold);
  border-bottom: 1px solid rgba(212, 184, 124, 0.35);
  padding-bottom: 1px;
  transition: color 0.3s, border-color 0.3s;
}
.ilink:hover { color: var(--gold-bright); border-color: var(--gold-bright); }
.section-light .ilink { color: var(--gold-deep); border-color: rgba(168, 137, 78, 0.4); }
.section-light .ilink:hover { color: var(--ink-on-paper); border-color: currentColor; }

/* ============================================================
   Navigation — compact bar, slide-down sheet on mobile
   ============================================================ */

.nav {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 200;
  border-bottom: 1px solid transparent;
  transition: background 0.5s var(--ease), border-color 0.5s var(--ease);
}

.nav.scrolled {
  background: rgba(10, 9, 8, 0.88);
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  border-bottom-color: var(--line-dim);
}

.nav-inner {
  max-width: var(--maxw);
  margin-inline: auto;
  padding: 0 var(--gutter);
  height: var(--nav-h);
  display: flex;
  align-items: center;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-right: auto;
  min-width: 0;
}

.brand-mark {
  width: 36px;
  height: 36px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 17px;
  line-height: 1;
  color: var(--gold);
  background: rgba(212, 184, 124, 0.06);
  flex-shrink: 0;
  padding-bottom: 2px;
}

.brand-name {
  font-family: var(--font-display);
  font-size: 17px;
  line-height: 1.05;
  letter-spacing: 0.01em;
  white-space: nowrap;
}

.brand-name small {
  display: block;
  font-family: var(--font-body);
  font-size: 8px;
  font-weight: 400;
  letter-spacing: 0.34em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 4px;
}

.nav-links {
  display: none;
  list-style: none;
  align-items: center;
  gap: 30px;
}

.nav-links a:not(.btn) {
  position: relative;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 6px 0;
  transition: color 0.3s;
}

.nav-links a:not(.btn)::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 1px;
  background: var(--gold);
  transition: width 0.4s var(--ease);
}

.nav-links a:not(.btn):hover { color: var(--gold-bright); }
.nav-links a:not(.btn):hover::after { width: 100%; }

.nav-cta { display: none; }

.nav-toggle {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  border: 1px solid var(--line);
  border-radius: 2px;
  flex-shrink: 0;
}

.nav-toggle span {
  width: 18px; height: 1.5px;
  background: var(--gold);
  transition: transform 0.35s var(--ease), opacity 0.2s;
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Mobile sheet */
.nav-sheet {
  position: fixed;
  inset: var(--nav-h) 0 auto 0;
  background: rgba(10, 9, 8, 0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--line-dim);
  padding: 8px var(--gutter) 28px;
  transform: translateY(-14px);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.4s var(--ease), opacity 0.3s, visibility 0.3s;
  z-index: 199;
  max-height: calc(100dvh - var(--nav-h));
  overflow-y: auto;
}

.nav-sheet.open { transform: translateY(0); opacity: 1; visibility: visible; }

.nav-sheet ul { list-style: none; }

.nav-sheet li + li { border-top: 1px solid var(--line-dim); }

.nav-sheet a:not(.btn) {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 17px 2px;
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--cream);
}

.nav-sheet a:not(.btn) .idx {
  font-family: var(--font-body);
  font-size: 10px;
  letter-spacing: 0.2em;
  color: var(--gold-deep);
}

.nav-sheet .btn { width: 100%; margin-top: 20px; }

@media (min-width: 900px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-flex; }
  .nav-toggle { display: none; }
  .nav-sheet { display: none; }
}

/* ============================================================
   Hero
   ============================================================ */

.hero {
  position: relative;
  min-height: 100svh;
  padding-top: calc(var(--nav-h) + 24px);
  padding-bottom: 40px;
  display: flex;
  align-items: center;
  overflow: hidden;
  isolation: isolate;
}

/* Warm glow that drifts behind the portrait */
.hero-glow {
  position: absolute;
  z-index: -2;
  width: min(120vw, 900px);
  aspect-ratio: 1;
  right: -30%;
  top: -18%;
  background:
    radial-gradient(circle at 50% 50%, rgba(201, 138, 114, 0.22) 0%, rgba(201, 138, 114, 0) 62%),
    radial-gradient(circle at 42% 58%, rgba(212, 184, 124, 0.20) 0%, rgba(212, 184, 124, 0) 58%);
  filter: blur(18px);
  animation: drift 22s var(--ease) infinite alternate;
  pointer-events: none;
}

@keyframes drift {
  from { transform: translate3d(0, 0, 0) scale(1); }
  to   { transform: translate3d(-5%, 5%, 0) scale(1.1); }
}

/* Faint measured rule-lines — the "documents and math" undertone */
.hero-lines {
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image: linear-gradient(to right, var(--line-dim) 1px, transparent 1px);
  background-size: 25% 100%;
  opacity: 0.6;
  mask-image: linear-gradient(to bottom, transparent, #000 22%, #000 62%, transparent);
  -webkit-mask-image: linear-gradient(to bottom, transparent, #000 22%, #000 62%, transparent);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  gap: clamp(34px, 6vw, 56px);
  align-items: center;
  width: 100%;
}

.hero-copy > * + * { margin-top: 20px; }

.hero h1 { max-width: 14ch; }

.hero-note {
  font-size: 12.5px;
  letter-spacing: 0.04em;
  color: var(--muted-dim);
}
.hero-note strong { color: var(--gold); font-weight: 500; }

.hero-cta {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

@media (min-width: 480px) {
  .hero-cta { flex-direction: row; flex-wrap: wrap; }
  .hero-cta .btn { flex: 1 1 auto; }
}

/* Portrait — offset gold frame, photo lifted off it */
.portrait {
  position: relative;
  width: 100%;
  max-width: 420px;
  margin-inline: auto;
  aspect-ratio: 4 / 5;
}

.portrait::before {
  content: "";
  position: absolute;
  inset: 16px -16px -16px 16px;
  border: 1px solid var(--gold);
  border-radius: 2px;
  opacity: 0.45;
}

.portrait img {
  position: relative;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 22%;
  border-radius: 2px;
  filter: saturate(0.94) contrast(1.03);
}

.scroll-cue {
  display: none;
  position: absolute;
  left: 50%;
  bottom: 24px;
  transform: translateX(-50%);
  font-size: 9.5px;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--muted-dim);
  align-items: center;
  gap: 10px;
  flex-direction: column;
}

.scroll-cue::after {
  content: "";
  width: 1px; height: 40px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: cue 2.4s var(--ease) infinite;
  transform-origin: top;
}

@keyframes cue {
  0%   { transform: scaleY(0); opacity: 0; }
  40%  { transform: scaleY(1); opacity: 1; }
  100% { transform: scaleY(1); opacity: 0; }
}

@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; gap: 60px; }
  .hero-copy { order: 1; }
  .portrait { order: 2; max-width: 460px; }
  .scroll-cue { display: flex; }
}

/* ============================================================
   Credential ticker
   ============================================================ */

.ticker {
  border-block: 1px solid var(--line-dim);
  background: var(--ink-soft);
  padding: 15px 0;
  overflow: hidden;
  position: relative;
}

.ticker::before,
.ticker::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  width: 60px;
  z-index: 2;
  pointer-events: none;
}
.ticker::before { left: 0;  background: linear-gradient(to right, var(--ink-soft), transparent); }
.ticker::after  { right: 0; background: linear-gradient(to left,  var(--ink-soft), transparent); }

.ticker-track {
  display: flex;
  align-items: center;
  gap: 34px;
  width: max-content;
}

.ticker-track.marquee-on {
  animation: marquee linear infinite;
}

@keyframes marquee {
  to { transform: translateX(calc(-1 * var(--marquee-shift))); }
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--muted);
  white-space: nowrap;
}

.ticker-item::before {
  content: "";
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* ============================================================
   Section scaffolding
   ============================================================ */

.section {
  padding-block: clamp(64px, 12vw, 120px);
  position: relative;
}

.section-light {
  background: var(--paper);
  color: var(--ink-on-paper);
}

.section-soft { background: var(--ink-soft); }

.section-head {
  max-width: 62ch;
  margin-bottom: clamp(34px, 6vw, 56px);
}

.section-head.centered {
  margin-inline: auto;
  text-align: center;
}

.section-head > * + * { margin-top: 18px; }
.section-head.centered .lede { margin-inline: auto; }

/* ============================================================
   Meet Lex
   ============================================================ */

.bio-grid {
  display: grid;
  gap: clamp(32px, 6vw, 60px);
  align-items: start;
}

.bio-photo {
  position: relative;
  border-radius: 2px;
  overflow: hidden;
  aspect-ratio: 1 / 1;
  border: 1px solid var(--line-on-light);
}

.bio-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }

.bio-body > * + * { margin-top: 18px; }

.bio-body p {
  color: var(--muted-on-light);
  font-size: clamp(15.5px, 2vw, 17px);
  line-height: 1.75;
}

.bio-quote {
  border-left: 2px solid var(--gold-deep);
  padding: 4px 0 4px 20px;
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(19px, 3.4vw, 25px);
  line-height: 1.35;
  color: var(--ink-on-paper);
}

.sig {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 26px;
  color: var(--gold-deep);
  margin-top: 26px;
}

.sig small {
  display: block;
  font-family: var(--font-body);
  font-style: normal;
  font-size: 10.5px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--muted-on-light);
  margin-top: 8px;
}

@media (min-width: 860px) {
  .bio-grid { grid-template-columns: 0.85fr 1.15fr; }
  .bio-photo { position: sticky; top: calc(var(--nav-h) + 32px); }
}

/* ============================================================
   Value cards
   ============================================================ */

.cards {
  display: grid;
  gap: 16px;
}

.card {
  position: relative;
  background: var(--ink-raised);
  border: 1px solid var(--line-dim);
  border-radius: 3px;
  padding: 28px 24px;
  overflow: hidden;
  transition: transform 0.5s var(--ease), border-color 0.5s var(--ease), background 0.5s var(--ease);
}

.card::after {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 1px;
  background: var(--gold-grad);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.6s var(--ease);
}

.card:hover {
  transform: translateY(-4px);
  border-color: var(--line);
  background: var(--ink-lift);
}
.card:hover::after { transform: scaleX(1); }

.card-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 13px;
  color: var(--gold-deep);
  letter-spacing: 0.04em;
  margin-bottom: 14px;
}

.card h3 { margin-bottom: 10px; color: var(--cream); }

.card p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.7;
}

@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .cards.cards-4 { grid-template-columns: repeat(4, 1fr); } }

/* ============================================================
   Stat band
   ============================================================ */

.stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--line-dim);
  border: 1px solid var(--line-dim);
  border-radius: 3px;
  overflow: hidden;
}

.stat {
  background: var(--ink);
  padding: 26px 18px;
  text-align: center;
}

.stat .n {
  font-family: var(--font-display);
  font-size: clamp(30px, 7vw, 44px);
  line-height: 1;
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.stat .l {
  display: block;
  margin-top: 10px;
  font-size: 10.5px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--muted-dim);
  line-height: 1.5;
}

@media (min-width: 760px) { .stats { grid-template-columns: repeat(4, 1fr); } }

/* ============================================================
   Loan program pills — every one hands off to the brokerage
   ============================================================ */

.programs {
  display: grid;
  gap: 12px;
}

.program {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #fff;
  border: 1px solid var(--line-on-light);
  border-radius: 3px;
  padding: 20px;
  transition: transform 0.4s var(--ease), border-color 0.4s var(--ease), box-shadow 0.4s var(--ease);
}

.program:hover {
  transform: translateY(-3px);
  border-color: var(--gold-deep);
  box-shadow: 0 12px 34px rgba(23, 19, 15, 0.09);
}

.program-ico {
  width: 42px; height: 42px;
  border: 1px solid var(--gold-deep);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--gold-deep);
  flex-shrink: 0;
}

.program-ico svg { width: 19px; height: 19px; }

.program-txt { min-width: 0; }

.program-txt h3 {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 400;
  color: var(--ink-on-paper);
  margin-bottom: 3px;
}

.program-txt p {
  font-size: 13.5px;
  color: var(--muted-on-light);
  line-height: 1.55;
}

.program .go {
  margin-left: auto;
  color: var(--gold-deep);
  flex-shrink: 0;
  transition: transform 0.4s var(--ease);
}
.program:hover .go { transform: translateX(4px); }

@media (min-width: 700px) { .programs { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   Handoff panel — explains the two-site relationship
   ============================================================ */

.handoff {
  position: relative;
  border: 1px solid var(--line);
  border-radius: 3px;
  padding: clamp(32px, 7vw, 60px) clamp(24px, 5vw, 52px);
  text-align: center;
  background:
    radial-gradient(ellipse at 50% 0%, rgba(212, 184, 124, 0.10), transparent 62%),
    var(--ink-raised);
  overflow: hidden;
}

.handoff > * + * { margin-top: 20px; }

.handoff .lede { margin-inline: auto; }

.handoff-logo {
  width: 54px;
  height: auto;
  margin-inline: auto;
  opacity: 0.95;
}

.handoff-cta {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
}

@media (min-width: 560px) {
  .handoff-cta { flex-direction: row; justify-content: center; }
}

/* ============================================================
   Learning center
   ============================================================ */

.learn-grid { display: grid; gap: 14px; }

.learn-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: var(--ink-raised);
  border: 1px solid var(--line-dim);
  border-radius: 3px;
  padding: 24px 22px;
  transition: transform 0.45s var(--ease), border-color 0.45s var(--ease), background 0.45s var(--ease);
}

.learn-card:hover {
  transform: translateY(-3px);
  border-color: var(--line);
  background: var(--ink-lift);
}

.learn-tag {
  font-size: 9.5px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.learn-card h3 { color: var(--cream); }

.learn-card p {
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.65;
}

.learn-card .go {
  margin-top: auto;
  padding-top: 8px;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

@media (min-width: 700px) { .learn-grid { grid-template-columns: repeat(3, 1fr); } }

/* ============================================================
   Contact
   ============================================================ */

.contact-grid {
  display: grid;
  gap: clamp(28px, 5vw, 48px);
  align-items: start;
}

.contact-list { list-style: none; display: grid; gap: 2px; }

.contact-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 4px;
  border-bottom: 1px solid var(--line-dim);
  transition: padding-left 0.4s var(--ease);
}

a.contact-row:hover { padding-left: 10px; }

.contact-ico {
  width: 38px; height: 38px;
  border: 1px solid var(--line);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-ico svg { width: 17px; height: 17px; }

.contact-k {
  display: block;
  font-size: 9.5px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 3px;
}

.contact-v {
  font-family: var(--font-display);
  font-size: 17px;
  line-height: 1.3;
  color: var(--cream);
  overflow-wrap: anywhere;
}

.socials { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }

.social {
  width: 46px; height: 46px;
  border: 1px solid var(--line);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--muted);
  transition: color 0.35s, border-color 0.35s, transform 0.35s var(--ease);
}

.social:hover {
  color: var(--gold-bright);
  border-color: var(--gold);
  transform: translateY(-2px);
}

.social svg { width: 18px; height: 18px; }

.contact-photo {
  position: relative;
  border-radius: 3px;
  overflow: hidden;
  aspect-ratio: 3 / 4;
  border: 1px solid var(--line-dim);
}

.contact-photo img { width: 100%; height: 100%; object-fit: cover; }

@media (min-width: 860px) {
  .contact-grid { grid-template-columns: 1.15fr 0.85fr; }
}

/* ============================================================
   Footer
   ============================================================ */

footer {
  background: var(--ink-soft);
  border-top: 1px solid var(--line-dim);
  padding-block: clamp(40px, 7vw, 64px) 32px;
}

.footer-top {
  display: grid;
  gap: 28px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--line-dim);
}

.footer-blurb {
  font-size: 14.5px;
  color: var(--muted);
  max-width: 44ch;
  margin-top: 14px;
}

.footer-col h4 {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.footer-col ul { list-style: none; display: grid; gap: 11px; }

.footer-col a,
.footer-col li {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.6;
  transition: color 0.3s;
}
.footer-col a:hover { color: var(--gold-bright); }

@media (min-width: 700px) {
  .footer-top { grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
}

.compliance {
  padding-top: 28px;
  display: grid;
  gap: 14px;
  justify-items: center;
  text-align: center;
}

.compliance p {
  font-size: 11.5px;
  line-height: 1.7;
  color: var(--muted-dim);
  max-width: 78ch;
}

.compliance a { color: var(--muted); border-bottom: 1px solid var(--line-dim); }
.compliance a:hover { color: var(--gold); }

.eho { width: 44px; height: 44px; opacity: 0.8; }

/* ============================================================
   Reveal on scroll
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
  will-change: opacity, transform;
}

.reveal.visible { opacity: 1; transform: none; }

.reveal-d1 { transition-delay: 0.08s; }
.reveal-d2 { transition-delay: 0.16s; }
.reveal-d3 { transition-delay: 0.24s; }
.reveal-d4 { transition-delay: 0.32s; }
.reveal-d5 { transition-delay: 0.40s; }

/* ============================================================
   Motion & print
   ============================================================ */

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal { opacity: 1; transform: none; }
  .ticker-track.marquee-on { animation: none; }
  .hero-glow { animation: none; }
}

@media print {
  .nav, .nav-sheet, .scroll-cue, .ticker, .hero-glow, .hero-lines { display: none !important; }
  body { background: #fff; color: #000; }
  .reveal { opacity: 1; transform: none; }
}

/* ============================================================
   Her real key mark, recolored
   The wordmark PNG is one solid blue on transparency, so its alpha
   channel doubles as a mask — we paint the champagne gradient
   through it and keep the authentic shape instead of redrawing it.
   ============================================================ */

.lex-mark,
.lex-wordmark {
  background: var(--gold-grad);
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-position: center;
  mask-position: center;
  -webkit-mask-size: contain;
  mask-size: contain;
  flex-shrink: 0;
}

.lex-mark {
  width: 42px;
  height: 32px;
  -webkit-mask-image: url("/img/lex-key-mark.png");
  mask-image: url("/img/lex-key-mark.png");
}

.lex-wordmark {
  width: 190px;
  height: 105px;
  -webkit-mask-image: url("/img/loans-by-lex-logo.png");
  mask-image: url("/img/loans-by-lex-logo.png");
}

/* Browsers without mask support still get the real logo, just in its
   original blue — the shape matters more than the tint. */
@supports not ((-webkit-mask-image: url("#")) or (mask-image: url("#"))) {
  .lex-mark, .lex-wordmark {
    background: center / contain no-repeat url("/img/loans-by-lex-logo.png");
  }
  .lex-mark { background-image: url("/img/lex-key-mark.png"); }
}

/* ============================================================
   Client moments — the closings, not stock photography
   ============================================================ */

.moments {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}

.moment {
  position: relative;
  margin: 0;
  aspect-ratio: 1;
  border-radius: 3px;
  overflow: hidden;
  border: 1px solid var(--line-dim);
}

.moment img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}

.moment:hover img { transform: scale(1.05); }

.moment figcaption {
  position: absolute;
  inset: auto 0 0 0;
  padding: 36px 14px 13px;
  background: linear-gradient(to top, rgba(10, 9, 8, 0.94) 12%, rgba(10, 9, 8, 0));
  font-size: 10px;
  font-weight: 400;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--cream);
  line-height: 1.45;
}

@media (min-width: 820px) {
  .moments { grid-template-columns: repeat(4, 1fr); gap: 12px; }
}