:root {
  --ink: #13251f;
  --ink-soft: #3f514a;
  --forest: #163f35;
  --forest-deep: #0d2d26;
  --sage: #dbe7df;
  --mint: #eef4ef;
  --paper: #fbfaf6;
  --white: #fff;
  --gold: #d8a84e;
  --gold-dark: #76500b;
  --line: rgba(19, 37, 31, .14);
  --muted: #64756e;
  --serif: "Newsreader", Georgia, serif;
  --sans: "DM Sans", system-ui, -apple-system, sans-serif;
  --shadow: 0 24px 70px rgba(13, 45, 38, .11), 0 3px 12px rgba(13, 45, 38, .05);
  --max: 1240px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }
img { max-width: 100%; }
h1, h2, h3, p, blockquote { margin-top: 0; }
h1, h2 { font-family: var(--serif); font-weight: 500; letter-spacing: -.035em; line-height: .98; text-wrap: balance; }
h1 { font-size: clamp(3.4rem, 7vw, 6.75rem); }
h2 { font-size: clamp(2.45rem, 5vw, 4.7rem); }
h3 { font-size: 1.26rem; line-height: 1.25; }
p { text-wrap: pretty; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; }
.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; }
.skip-link { position: fixed; top: 12px; left: 12px; z-index: 100; transform: translateY(-160%); background: var(--white); color: var(--ink); padding: 10px 16px; border-radius: 5px; }
.skip-link:focus { transform: none; }

.site-header { height: 92px; padding: 0 clamp(24px, 5vw, 72px); display: flex; align-items: center; justify-content: space-between; gap: 30px; background: rgba(251,250,246,.94); border-bottom: 1px solid var(--line); position: relative; z-index: 20; backdrop-filter: blur(12px); }
.brand { display: inline-flex; align-items: center; gap: 13px; text-decoration: none; line-height: 1.1; }
.brand-mark { width: 48px; height: 48px; display: grid; place-items: center; border: 1px solid var(--ink); border-radius: 50%; font-family: var(--serif); font-size: 1.05rem; letter-spacing: -.05em; }
.brand-copy strong, .brand-copy small { display: block; }
.brand-copy strong { font-size: .96rem; letter-spacing: .01em; }
.brand-copy small { margin-top: 5px; color: var(--muted); font-size: .71rem; letter-spacing: .055em; text-transform: uppercase; }
.primary-nav { display: flex; align-items: center; gap: clamp(20px, 2.6vw, 38px); }
.primary-nav > a:not(.button) { text-decoration: none; font-weight: 600; font-size: .9rem; }
.primary-nav > a:not(.button):hover, .primary-nav > a[aria-current="page"]:not(.button) { color: #356b5d; }
.menu-button { display: none; width: 46px; height: 46px; padding: 11px; border: 1px solid var(--line); border-radius: 50%; background: transparent; }
.menu-button > span:not(.sr-only) { display: block; width: 100%; height: 1px; margin: 5px 0; background: var(--ink); transition: .2s ease; }

.button { min-height: 54px; display: inline-flex; justify-content: center; align-items: center; gap: 9px; padding: 0 25px; border: 1px solid var(--forest); border-radius: 4px; background: var(--forest); color: white; font-weight: 700; font-size: .94rem; text-decoration: none; cursor: pointer; transition: transform .2s ease, background .2s ease, border-color .2s ease; }
.button:hover { background: var(--forest-deep); border-color: var(--forest-deep); transform: translateY(-2px); }
.button-small { min-height: 44px; padding: 0 18px; }
.button-secondary { color: var(--ink); background: transparent; border-color: rgba(19,37,31,.45); }
.button-secondary:hover { color: white; }
.button-light { color: var(--forest-deep); background: var(--white); border-color: var(--white); }
.button-light:hover { background: var(--sage); border-color: var(--sage); }
.button-outline { background: transparent; border-color: rgba(255,255,255,.55); }
.button-outline:hover { background: white; color: var(--forest); border-color: white; }
.button.disabled { color: #728079; background: #e1e5e2; border-color: #e1e5e2; cursor: not-allowed; transform: none; }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; }
.text-link { display: inline-flex; align-items: center; gap: 10px; color: var(--forest); font-weight: 700; text-decoration-thickness: 1px; text-underline-offset: 5px; }
.eyebrow { display: flex; align-items: center; gap: 11px; margin-bottom: 22px; color: var(--forest); font-size: .73rem; font-weight: 700; text-transform: uppercase; letter-spacing: .13em; }
.eyebrow > span { width: 28px; height: 1px; background: currentColor; }
.eyebrow.light { color: #dcebe5; }
.hero { max-width: 1440px; margin: 0 auto; padding: clamp(65px, 9vw, 130px) clamp(24px, 6vw, 88px); }
.home-hero, .sba-hero { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(340px, .8fr); align-items: center; gap: clamp(50px, 8vw, 120px); min-height: calc(100vh - 92px); }
.hero-content h1 { max-width: 850px; margin-bottom: 30px; }
.hero-lead { max-width: 710px; margin-bottom: 34px; color: var(--ink-soft); font-size: clamp(1.12rem, 1.55vw, 1.35rem); line-height: 1.55; }
.microcopy { margin: 18px 0 0; color: var(--muted); font-size: .82rem; }

/* Minimal homepage */
.simple-home-hero { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(340px, .72fr); align-items: center; gap: clamp(48px, 8vw, 110px); min-height: calc(100vh - 92px - 104px); }
.simple-home-copy { max-width: 760px; }
.simple-home-copy h1 { max-width: 760px; margin-bottom: 27px; font-size: clamp(3.2rem, 5.9vw, 5.8rem); }
.simple-home-copy .hero-lead { max-width: 650px; margin-bottom: 30px; }
.header-phone { font-variant-numeric: tabular-nums; }
.phone-button { font-variant-numeric: tabular-nums; }
.phone-button span { margin-right: 2px; }
.quiet-link { display: inline-flex; align-items: center; gap: 9px; margin-top: 24px; color: var(--muted); font-size: .88rem; font-weight: 600; text-decoration: none; }
.quiet-link:hover { color: var(--forest); text-decoration: underline; text-underline-offset: 5px; }
.portrait-card { width: 100%; max-width: 480px; margin: 0; justify-self: end; background: var(--forest); box-shadow: var(--shadow); }
.portrait-card img { display: block; width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; object-position: 50% 43%; }
.portrait-card figcaption { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 18px 21px; color: white; }
.portrait-card figcaption strong { font-family: var(--serif); font-size: 1.18rem; font-weight: 500; }
.portrait-card figcaption span { color: #c7d6d0; font-size: .73rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }
.home-scope { max-width: var(--max); display: grid; grid-template-columns: 170px 1fr; align-items: center; gap: 30px; margin: 0 auto clamp(70px, 9vw, 120px); padding: 27px 24px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.home-scope > p { margin: 0; color: var(--muted); font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.home-scope ul { display: grid; grid-template-columns: repeat(3, 1fr); padding: 0; margin: 0; list-style: none; }
.home-scope li { min-height: 48px; display: flex; align-items: center; padding: 0 24px; border-left: 1px solid var(--line); font-family: var(--serif); font-size: 1.12rem; line-height: 1.25; }
.simple-footer { padding-top: 42px; }

.hero-note { position: relative; padding: clamp(32px, 4vw, 56px); background: var(--forest); color: white; box-shadow: var(--shadow); }
.hero-note::before, .hero-note::after { content: ""; position: absolute; border: 1px solid rgba(255,255,255,.11); border-radius: 50%; pointer-events: none; }
.hero-note::before { width: 270px; height: 270px; right: -100px; top: -110px; }
.hero-note::after { width: 180px; height: 180px; right: -60px; top: -65px; }
.note-kicker { color: #bdd4ca; font-size: .72rem; text-transform: uppercase; letter-spacing: .14em; }
.hero-note blockquote { margin: 28px 0 38px; font-family: var(--serif); font-size: clamp(1.9rem, 3vw, 2.8rem); line-height: 1.08; letter-spacing: -.025em; }
.note-rule { height: 1px; margin-bottom: 27px; background: rgba(255,255,255,.22); }
.note-details { display: grid; grid-template-columns: 32px 1fr; column-gap: 14px; row-gap: 21px; }
.note-details > span { color: var(--gold); font-size: .75rem; font-weight: 700; }
.note-details p { margin: 0; color: #d5e2dd; font-size: .88rem; }
.note-details strong { color: white; }
.trust-strip { min-height: 72px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: clamp(17px, 3vw, 42px); padding: 16px 24px; color: #dce7e2; background: var(--forest-deep); }
.trust-strip p { margin: 0; font-size: .76rem; font-weight: 600; letter-spacing: .075em; text-transform: uppercase; }
.trust-strip i { width: 4px; height: 4px; border-radius: 50%; background: var(--gold); }
.section { max-width: var(--max); margin: 0 auto; padding: clamp(80px, 10vw, 145px) 24px; }
.section-label { display: flex; align-items: center; gap: 14px; margin-bottom: 55px; }
.section-label span { display: grid; place-items: center; width: 34px; height: 34px; border: 1px solid var(--line); border-radius: 50%; font-size: .7rem; font-weight: 700; }
.section-label p { margin: 0; color: var(--muted); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; }
.intro-copy { display: grid; grid-template-columns: 1fr .75fr; gap: clamp(40px, 8vw, 110px); align-items: end; }
.intro-copy h2 { margin-bottom: 0; }
.intro-copy > p { margin-bottom: 9px; color: var(--ink-soft); font-size: 1.1rem; }
.need-grid { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 75px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.need-grid article { padding: 35px clamp(22px, 3vw, 40px) 40px; border-right: 1px solid var(--line); }
.need-grid article:first-child { padding-left: 0; }
.need-grid article:last-child { padding-right: 0; border-right: 0; }
.card-number { color: var(--gold-dark); font-family: var(--serif); font-size: 1.6rem; }
.need-grid h3 { margin: 50px 0 12px; font-family: var(--serif); font-size: 1.65rem; font-weight: 500; }
.need-grid p { margin-bottom: 0; color: var(--muted); font-size: .93rem; }
.process-section { max-width: none; padding-left: max(24px, calc((100vw - var(--max))/2 + 24px)); padding-right: max(24px, calc((100vw - var(--max))/2 + 24px)); color: white; background: var(--forest); }
.process-section .section-label span { border-color: rgba(255,255,255,.25); }
.process-section .section-label p { color: #b9cec5; }
.process-heading { display: grid; grid-template-columns: 1fr .55fr; gap: 50px; align-items: end; margin-bottom: 65px; }
.process-heading h2, .process-heading p { margin-bottom: 0; }
.process-heading p { color: #c7d6d0; font-size: 1.05rem; }
.process-list { padding: 0; margin: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.2); }
.process-list li { display: grid; grid-template-columns: 110px 1fr; gap: 30px; padding: 34px 0; border-bottom: 1px solid rgba(255,255,255,.2); }
.process-list li > span { color: var(--gold); font-family: var(--serif); font-size: 1.3rem; }
.process-list div { display: grid; grid-template-columns: .65fr 1fr; gap: 45px; }
.process-list h3 { margin: 0; font-family: var(--serif); font-size: 1.7rem; font-weight: 500; }
.process-list p { max-width: 590px; margin: 0; color: #c7d6d0; }
.about-section { display: grid; grid-template-columns: .85fr 1fr; align-items: center; gap: clamp(60px, 10vw, 150px); }
.about-monogram { min-height: 520px; position: relative; display: grid; place-items: center; overflow: hidden; background: var(--sage); }
.about-monogram::before, .about-monogram::after { content: ""; position: absolute; border: 1px solid rgba(22,63,53,.18); border-radius: 50%; }
.about-monogram::before { width: 390px; height: 390px; }
.about-monogram::after { width: 275px; height: 275px; }
.about-monogram span { position: absolute; z-index: 1; font-family: var(--serif); font-size: clamp(8rem, 15vw, 13rem); line-height: 1; }
.about-monogram span:first-child { transform: translate(-23%, -5%); }
.about-monogram span:last-child { color: transparent; -webkit-text-stroke: 1px var(--forest); transform: translate(24%, 12%); }
.about-copy h2 { margin-bottom: 35px; }
.about-copy > p:not(.eyebrow) { color: var(--ink-soft); font-size: 1.02rem; }
.about-copy .text-link { margin-top: 20px; }
.cta-section { padding: clamp(80px, 11vw, 150px) max(24px, calc((100vw - var(--max))/2 + 24px)); color: white; background: var(--forest-deep); }
.cta-section h2 { max-width: 900px; margin-bottom: 42px; }
.site-footer { padding: 54px max(24px, calc((100vw - var(--max))/2 + 24px)) 32px; background: #f2f0e9; border-top: 1px solid var(--line); }
.footer-top { display: flex; justify-content: space-between; align-items: center; gap: 40px; padding-bottom: 45px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 28px; }
.footer-links a { color: var(--ink-soft); font-size: .86rem; font-weight: 600; text-decoration: none; }
.footer-links a:hover { text-decoration: underline; text-underline-offset: 4px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; padding-top: 23px; border-top: 1px solid var(--line); color: var(--muted); font-size: .72rem; }
.footer-bottom p { max-width: 620px; margin: 0; }

/* Interior pages */
.page-hero { max-width: var(--max); margin: 0 auto; padding: clamp(75px, 10vw, 140px) 24px 75px; }
.page-hero h1 { max-width: 810px; margin-bottom: 30px; }
.booking-hero { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(50px, 9vw, 125px); align-items: center; }
.prep-list { margin-top: 45px; padding-top: 28px; border-top: 1px solid var(--line); }
.prep-list > p { margin-bottom: 13px; font-weight: 700; }
.prep-list ul { padding-left: 20px; color: var(--muted); }
.embed-shell { min-height: 560px; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; padding: clamp(35px, 5vw, 65px); background: white; border: 1px solid var(--line); box-shadow: var(--shadow); }
.embed-icon { width: 64px; height: 64px; display: grid; place-items: end center; margin-bottom: 30px; padding-bottom: 8px; color: white; background: var(--forest); border-radius: 50%; font-weight: 700; font-size: .8rem; position: relative; }
.embed-icon::before { content: ""; position: absolute; top: 15px; left: 14px; right: 14px; height: 1px; background: rgba(255,255,255,.45); }
.embed-shell h2 { margin-bottom: 20px; font-size: clamp(2.1rem, 3.7vw, 3.3rem); }
.embed-shell > p:not(.eyebrow,.fine-print) { color: var(--muted); }
.embed-shell .button { margin-top: 20px; }
.fine-print { margin: 17px 0 0; color: var(--muted); font-size: .76rem; }
.simple-steps { max-width: var(--max); display: grid; grid-template-columns: repeat(3,1fr); margin: 0 auto; padding: 0 24px clamp(80px,10vw,140px); }
.simple-steps article { padding: 36px 35px; border: 1px solid var(--line); border-right: 0; }
.simple-steps article:last-child { border-right: 1px solid var(--line); }
.simple-steps span { color: var(--gold); font-family: var(--serif); }
.simple-steps h3 { margin: 34px 0 10px; font-family: var(--serif); font-size: 1.55rem; font-weight: 500; }
.simple-steps p { margin-bottom: 0; color: var(--muted); font-size: .9rem; }
.application-hero { display: flex; justify-content: space-between; align-items: flex-end; gap: 60px; }
.application-hero > div:first-child { max-width: 850px; }
.status-card { min-width: 285px; display: flex; gap: 14px; align-items: flex-start; padding: 22px; background: var(--mint); border: 1px solid rgba(22,63,53,.15); }
.status-card p { margin: 3px 0 0; color: var(--muted); font-size: .8rem; }
.status-dot { flex: 0 0 auto; width: 9px; height: 9px; margin-top: 7px; border-radius: 50%; background: #5f9b72; box-shadow: 0 0 0 5px rgba(95,155,114,.14); }
.application-layout { max-width: var(--max); display: grid; grid-template-columns: 1.15fr .85fr; gap: 22px; margin: 0 auto; padding: 0 24px 90px; }
.application-card { padding: clamp(32px, 5vw, 60px); background: white; border: 1px solid var(--line); }
.application-card.featured { background: var(--forest); color: white; }
.card-label { margin-bottom: 24px; color: var(--gold-dark); font-size: .7rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.application-card.featured .card-label { color: var(--gold); }
.application-card h2 { font-size: clamp(2.15rem, 4vw, 3.7rem); }
.application-card > p:not(.card-label,.fine-print) { color: var(--muted); }
.application-card.featured > p:not(.card-label,.fine-print), .application-card.featured .check-list { color: #c7d6d0; }
.check-list { padding: 0; margin: 30px 0; list-style: none; }
.check-list li { position: relative; padding: 11px 0 11px 28px; border-bottom: 1px solid currentColor; border-color: rgba(100,117,110,.3); }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.application-card .button { margin-top: 5px; }
.privacy-callout { max-width: calc(var(--max) - 48px); display: grid; grid-template-columns: 70px 1fr; gap: 30px; margin: 0 auto clamp(80px,10vw,140px); padding: 42px; background: var(--sage); }
.privacy-callout > span { font-size: 2.5rem; }
.privacy-callout h2 { margin-bottom: 10px; font-size: 2rem; }
.privacy-callout p { max-width: 800px; margin-bottom: 0; color: var(--ink-soft); }
.legal-page { max-width: 800px; min-height: 70vh; margin: 0 auto; padding: clamp(75px,10vw,135px) 24px; }
.legal-page h1 { margin-bottom: 40px; }
.legal-page h2 { margin-top: 55px; margin-bottom: 15px; font-family: var(--sans); font-size: 1.35rem; font-weight: 700; letter-spacing: -.02em; line-height: 1.3; }
.legal-page p { color: var(--ink-soft); }
.legal-intro { padding: 24px; background: #f4ead7; border: 1px solid #e7d5b4; }

/* SBA page — intentionally separate from main-site navigation */
.sba-page { background: #f8faf8; }
.sba-header { background: rgba(248,250,248,.94); }
.sba-hero { min-height: auto; padding-top: clamp(75px,9vw,125px); padding-bottom: clamp(75px,9vw,125px); }
.sba-hero h1 { font-size: clamp(3.5rem,6.6vw,6.5rem); }
.sba-highlights { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 40px; }
.sba-highlights span { padding: 8px 12px; color: var(--forest); background: var(--mint); border: 1px solid rgba(22,63,53,.14); border-radius: 999px; font-size: .74rem; font-weight: 700; }
.closing-card { padding: clamp(35px,4vw,55px); background: white; border: 1px solid var(--line); box-shadow: var(--shadow); }
.closing-card h2 { font-size: clamp(2.1rem,3.3vw,3.1rem); line-height: 1.05; }
.closing-card > p:last-child { margin-bottom: 0; color: var(--muted); }
.closing-flow { margin: 42px 0; padding: 25px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.closing-flow div { display: flex; align-items: center; gap: 10px; }
.closing-flow span { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.closing-flow i { flex: 1; height: 1px; position: relative; background: var(--line); }
.closing-flow i::after { content: ""; position: absolute; top: -2px; right: 0; width: 5px; height: 5px; transform: rotate(45deg); border-top: 1px solid var(--ink); border-right: 1px solid var(--ink); }
.lender-band { padding: clamp(75px,9vw,125px) max(24px,calc((100vw - var(--max))/2 + 24px)); color: white; background: var(--forest-deep); }
.lender-band > p { color: var(--gold); font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .13em; }
.lender-band > h2 { max-width: 930px; margin-bottom: 60px; }
.lender-grid { display: grid; grid-template-columns: repeat(3,1fr); border-top: 1px solid rgba(255,255,255,.18); }
.lender-grid article { padding: 35px 35px 5px 0; border-right: 1px solid rgba(255,255,255,.18); }
.lender-grid article:not(:first-child) { padding-left: 35px; }
.lender-grid article:last-child { border-right: 0; }
.lender-grid strong { font-family: var(--serif); font-size: 1.55rem; font-weight: 500; }
.lender-grid p { margin-top: 15px; color: #c5d6cf; }
.sba-process { max-width: var(--max); color: var(--ink); background: transparent; }
.sba-process .section-label span { border-color: var(--line); }
.sba-process .section-label p { color: var(--muted); }
.process-heading.dark p { color: var(--muted); }
.sba-timeline { position: relative; padding: 0; margin: 0; list-style: none; }
.sba-timeline::before { content: ""; position: absolute; top: 28px; bottom: 28px; left: 28px; width: 1px; background: var(--line); }
.sba-timeline li { position: relative; display: grid; grid-template-columns: 57px 1fr; gap: 30px; margin-bottom: 18px; }
.timeline-marker { z-index: 1; width: 57px; height: 57px; display: grid; place-items: center; color: white; background: var(--forest); border-radius: 50%; font-size: .74rem; font-weight: 700; }
.sba-timeline article { display: grid; grid-template-columns: 130px minmax(240px,.7fr) 1fr; gap: 30px; align-items: start; padding: 28px 32px; background: white; border: 1px solid var(--line); }
.timeline-meta { color: var(--gold-dark); font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.sba-timeline h3 { margin: 0; font-family: var(--serif); font-size: 1.55rem; font-weight: 500; }
.sba-timeline article > p:last-child { margin: 0; color: var(--muted); }
.expectations-section { display: grid; grid-template-columns: .8fr 1fr; gap: clamp(50px,9vw,130px); padding: clamp(80px,10vw,140px) max(24px,calc((100vw - var(--max))/2 + 24px)); color: white; background: var(--forest); }
.expectations-section h2 { margin: 0; }
.expectations-copy p { color: #c7d6d0; font-size: 1.04rem; }
.expectations-copy p:last-child { margin-bottom: 0; }
.referral-section { max-width: var(--max); display: grid; grid-template-columns: 1fr .85fr; gap: clamp(50px,9vw,120px); margin: 0 auto; padding: clamp(80px,10vw,140px) 24px; align-items: center; }
.referral-section h2 { margin-bottom: 30px; }
.referral-section > div:first-child > p:last-child { color: var(--muted); font-size: 1.04rem; }
.referral-card { padding: clamp(35px,5vw,58px); background: white; border: 1px solid var(--line); box-shadow: var(--shadow); }
.referral-card .button { width: 100%; margin-bottom: 24px; }
.referral-card .check-list li::before { color: var(--gold-dark); }
.referral-card .text-link { font-size: .86rem; }

@media (max-width: 980px) {
  .primary-nav { display: none; position: absolute; top: 91px; left: 0; right: 0; padding: 24px; flex-direction: column; align-items: stretch; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: 0 14px 30px rgba(13,45,38,.09); }
  .primary-nav.open { display: flex; }
  .primary-nav .button { width: 100%; }
  .menu-button { display: block; }
  .home-hero, .sba-hero, .booking-hero, .about-section, .referral-section { grid-template-columns: 1fr; }
  .simple-home-hero { grid-template-columns: 1fr; min-height: auto; }
  .portrait-card { max-width: 620px; justify-self: start; }
  .home-scope { grid-template-columns: 1fr; gap: 18px; }
  .home-scope ul { grid-template-columns: 1fr; }
  .home-scope li { min-height: 54px; padding: 0; border-left: 0; border-top: 1px solid var(--line); }
  .home-hero { min-height: auto; }
  .hero-note { max-width: 680px; }
  .intro-copy, .process-heading, .expectations-section { grid-template-columns: 1fr; }
  .need-grid { grid-template-columns: 1fr; }
  .need-grid article, .need-grid article:first-child, .need-grid article:last-child { padding: 30px 0; border-right: 0; border-bottom: 1px solid var(--line); }
  .need-grid article:last-child { border-bottom: 0; }
  .need-grid h3 { margin-top: 20px; }
  .process-list div { grid-template-columns: .7fr 1fr; }
  .about-monogram { min-height: 420px; }
  .application-hero { align-items: flex-start; flex-direction: column; }
  .application-layout { grid-template-columns: 1fr; }
  .lender-grid { grid-template-columns: 1fr; }
  .lender-grid article, .lender-grid article:not(:first-child) { padding: 28px 0; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.18); }
  .lender-grid article:last-child { border-bottom: 0; }
  .sba-timeline article { grid-template-columns: 110px 1fr; }
  .sba-timeline article > p:last-child { grid-column: 2; }
}
@media (max-width: 680px) {
  .site-header { height: 76px; padding: 0 18px; }
  .brand-mark { width: 42px; height: 42px; }
  .brand-copy small { display: none; }
  .primary-nav { top: 75px; }
  h1 { font-size: clamp(3rem, 14vw, 4.2rem); }
  h2 { line-height: 1.03; }
  .hero { padding-left: 20px; padding-right: 20px; }
  .home-hero, .sba-hero { gap: 55px; }
  .simple-home-hero { gap: 42px; padding-top: 52px; padding-bottom: 48px; }
  .simple-home-copy h1 { font-size: clamp(3rem, 14vw, 4.2rem); }
  .portrait-card figcaption { align-items: flex-start; flex-direction: column; gap: 3px; }
  .home-scope { margin-left: 20px; margin-right: 20px; padding-left: 0; padding-right: 0; }
  .hero-note { padding: 32px 25px; }
  .hero-note blockquote { font-size: 2rem; }
  .button-row { align-items: stretch; flex-direction: column; }
  .button-row .button { width: 100%; }
  .trust-strip { align-items: flex-start; flex-direction: column; gap: 11px; }
  .trust-strip i { display: none; }
  .section-label { margin-bottom: 38px; }
  .process-list li { grid-template-columns: 50px 1fr; gap: 12px; }
  .process-list div { grid-template-columns: 1fr; gap: 11px; }
  .process-list h3 { font-size: 1.4rem; }
  .about-monogram { min-height: 330px; }
  .footer-top, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .footer-links { gap: 15px 22px; }
  .simple-steps { grid-template-columns: 1fr; }
  .simple-steps article, .simple-steps article:last-child { border-right: 1px solid var(--line); border-bottom: 0; }
  .simple-steps article:last-child { border-bottom: 1px solid var(--line); }
  .embed-shell { min-height: 480px; padding: 32px 24px; }
  .status-card { min-width: 0; width: 100%; }
  .application-card { padding: 32px 24px; }
  .privacy-callout { grid-template-columns: 1fr; margin-left: 20px; margin-right: 20px; padding: 30px 24px; }
  .sba-highlights { align-items: flex-start; flex-direction: column; }
  .sba-timeline::before { left: 22px; }
  .sba-timeline li { grid-template-columns: 45px 1fr; gap: 12px; }
  .timeline-marker { width: 45px; height: 45px; }
  .sba-timeline article { grid-template-columns: 1fr; gap: 8px; padding: 24px 20px; }
  .sba-timeline article > p:last-child { grid-column: 1; }
  .timeline-meta { margin-bottom: 7px; }
  .closing-flow div { flex-direction: column; align-items: flex-start; }
  .closing-flow i { width: 1px; height: 24px; margin-left: 16px; }
  .closing-flow i::after { top: auto; right: -2px; bottom: 0; transform: rotate(135deg); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}