/* Alpha Fina — editorial refresh. Brand: charcoal + Alpha orange on warm paper. */
:root {
  --orange: #e8650a;
  --orange-hover: #d25804;
  --orange-text: #b04800;
  --ink: #1c1b19;
  --ink-soft: #2a2926;
  --paper: #f7f4ef;
  --tint: #efeae2;
  --line: #d8d0c4;
  --line-dark: #3a3834;
  --muted: #5c5851;
  --heading: 'Bricolage Grotesque', Georgia, sans-serif;
  --text: 'DM Sans', system-ui, sans-serif;
  --container: 1240px;
  --gutter: clamp(20px, 4vw, 56px);
  --nav-h: 76px;
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--nav-h) + 16px); -webkit-text-size-adjust: 100%; }
body { font: 400 17px/1.6 var(--text); color: var(--ink); background: var(--paper); -webkit-font-smoothing: antialiased; }
h1, h2, h3 { font-family: var(--heading); font-weight: 700; line-height: 1.08; letter-spacing: -0.03em; color: var(--ink); }
h3 { font-size: 20px; letter-spacing: -0.015em; line-height: 1.25; }
p { color: var(--muted); }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
ul, ol { padding: 0; list-style: none; }
button { font: inherit; color: inherit; background: none; border: 0; cursor: pointer; }
a, button, summary { -webkit-tap-highlight-color: transparent; touch-action: manipulation; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; border-radius: 2px; }
::selection { background: #ffcfa8; color: var(--ink); }
dialog { color: inherit; }
dialog:not([open]) { display: none; }
dialog::backdrop { background: rgba(20, 19, 17, 0.6); }

.container { width: min(100%, var(--container)); margin-inline: auto; padding-inline: var(--gutter); }
.small, .fine-print { font-size: 14px; line-height: 1.6; }
.skip-link { position: fixed; top: 10px; left: 10px; z-index: 200; padding: 10px 16px; background: #fff; transform: translateY(-200%); }
.skip-link:focus { transform: none; }

/* ---------- buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 14px;
  min-height: 52px; padding: 14px 24px; border-radius: 3px;
  font: 600 15px/1.2 var(--text); letter-spacing: 0;
  transition: background-color .15s ease, color .15s ease;
}
.btn-primary, .btn-orange { background: var(--orange); color: #fff; }
.btn-primary:hover, .btn-orange:hover { background: var(--orange-hover); }
.btn-ink, .btn-dark { background: var(--ink); color: #fff; }
.btn-ink:hover, .btn-dark:hover { background: #000; }
.arrow-icon { width: 18px; height: 18px; flex-shrink: 0; transition: transform .15s ease; }
.btn:hover .arrow-icon { transform: translateX(3px); }

.link-underline, .text-link {
  display: inline-block; font-weight: 600; font-size: 15px; color: var(--ink);
  text-decoration: underline; text-decoration-color: var(--orange); text-decoration-thickness: 2px; text-underline-offset: 6px;
}
.link-underline:hover, .text-link:hover { color: var(--orange-text); }
.text-link .arrow-icon { display: none; }

/* ---------- header ---------- */
.site-nav { position: sticky; top: 0; z-index: 50; background: var(--ink); color: #fff; }
.nav-inner { height: var(--nav-h); display: flex; align-items: center; gap: 32px; }
.logo-lockup { display: inline-flex; align-items: center; gap: 12px; flex-shrink: 0; }
.logo-icon { width: 34px; height: 34px; color: var(--orange); }
.logo-text { display: flex; flex-direction: column; font-family: 'Montserrat', sans-serif; font-weight: 700; line-height: 1; }
.logo-alpha { font-size: 17px; letter-spacing: .2em; }
.logo-fina { font-size: 10px; letter-spacing: .62em; margin-top: 5px; font-weight: 500; }
.nav-center { display: flex; gap: 4px; margin-left: auto; }
.nav-center a { padding: 8px 12px; font-size: 15px; color: rgba(255,255,255,.78); border-radius: 3px; }
.nav-center a:hover, .nav-center a[aria-current="page"] { color: #fff; background: rgba(255,255,255,.07); }
.nav-right { display: flex; align-items: center; gap: 18px; }
.nav-lang-toggle { display: flex; gap: 6px; font-size: 13px; font-weight: 600; color: rgba(255,255,255,.5); padding: 8px 4px; }
.nav-lang-toggle .lang-active { color: #fff; }
.nav-login { font-size: 14px; font-weight: 600; color: rgba(255,255,255,.78); text-decoration: underline; text-decoration-color: var(--orange); text-underline-offset: 5px; }
.nav-login:hover { color: #fff; }
.nav-cta { min-height: 44px; padding: 10px 18px; font-size: 14px; }
.nav-hamburger { display: none; width: 44px; height: 44px; flex-direction: column; align-items: center; justify-content: center; gap: 7px; }
.nav-hamburger span { width: 22px; height: 2px; background: #fff; }

.nav-drawer { border: 0; width: min(380px, 100%); max-width: 100%; height: 100dvh; max-height: none; margin: 0 0 0 auto; padding: 24px; background: var(--ink); color: #fff; }
.nav-drawer[open] { display: flex; flex-direction: column; }
.drawer-header { display: flex; justify-content: space-between; align-items: center; font-size: 14px; color: rgba(255,255,255,.6); }
.icon-button { width: 44px; height: 44px; display: grid; place-items: center; }
.icon-button svg { width: 24px; height: 24px; }
.drawer-links { display: flex; flex-direction: column; margin: 28px 0 32px; }
.drawer-links a { font-family: var(--heading); font-size: 26px; font-weight: 600; padding: 14px 0; border-bottom: 1px solid var(--line-dark); }
.drawer-login { color: #fff; margin-bottom: 20px; }

/* ---------- hero ---------- */
.hero { padding-block: clamp(48px, 7vw, 96px) clamp(56px, 7vw, 96px); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(32px, 5vw, 80px); align-items: center; }
.hero h1 { font-size: clamp(44px, 5.6vw, 80px); letter-spacing: -0.045em; line-height: 1.0; }
.hero h1 em { display: block; font-style: normal; color: var(--orange-text); }
.hero-body { font-size: clamp(18px, 1.5vw, 20px); max-width: 30em; margin-top: 28px; color: #4a4741; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 20px 28px; margin-top: 36px; }

.hero-figure { position: relative; padding-bottom: 56px; }
.hero-figure img { width: 88%; aspect-ratio: 1; object-fit: cover; border-radius: 4px; margin-left: auto; }
.slip {
  position: absolute; left: 0; bottom: 0; width: min(350px, 80%);
  background: #fff; border: 1px solid var(--line); border-radius: 4px;
  padding: 18px 20px 16px; box-shadow: 0 1px 0 var(--line), 0 18px 30px -18px rgba(28,27,25,.35);
}
.slip-head { display: flex; justify-content: space-between; font-size: 12px; font-weight: 600; color: var(--muted); padding-bottom: 10px; border-bottom: 2px solid var(--ink); }
.slip dl div { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-bottom: 1px dashed var(--line); font-size: 14px; }
.slip dt { color: var(--muted); }
.slip dd { font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; }
.slip dl div:first-child dd { color: var(--orange-text); }
.slip-foot { display: block; font-size: 12px; color: var(--muted); margin-top: 10px; }

/* ---------- broker notice ---------- */
.notice { background: var(--ink); color: #fff; }
.notice-inner { display: flex; align-items: center; gap: 24px; padding-block: 22px; }
.notice-tag { flex-shrink: 0; font-size: 13px; font-weight: 700; color: var(--ink); background: var(--orange); padding: 6px 10px; border-radius: 2px; }
.notice p { color: rgba(255,255,255,.8); font-size: 15px; }

/* ---------- section sheets ---------- */
.sheet { padding-block: clamp(64px, 8vw, 112px); border-top: 1px solid var(--line); }
.sheet-tint { background: var(--tint); }
.sheet-grid { display: grid; grid-template-columns: 180px 1fr; gap: clamp(24px, 4vw, 56px); }
.runhead { font-size: 12px; font-weight: 700; letter-spacing: .12em; color: var(--muted); padding-top: 10px; border-top: 2px solid var(--ink); align-self: start; position: sticky; top: calc(var(--nav-h) + 24px); }
.sheet-title { font-size: clamp(32px, 3.4vw, 50px); max-width: 16em; }
.sheet-head { display: flex; justify-content: space-between; align-items: end; gap: 24px; flex-wrap: wrap; }

.split { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.split-lead > * + * { margin-top: 18px; }
.split-lead .btn, .split-lead .link-underline { margin-top: 28px; }

/* steps */
.track { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 48px; border-top: 1px solid var(--ink); }
.track li { padding: 28px 28px 0 0; position: relative; }
.track li + li { padding-left: 28px; border-left: 1px solid var(--line); }
.track li::before { content: ''; position: absolute; top: -6px; left: 0; width: 11px; height: 11px; border-radius: 50%; background: var(--orange); }
.track li + li::before { left: -6px; }
.track-word { display: block; font-size: 14px; font-weight: 600; color: var(--orange-text); margin-bottom: 10px; }
.track h3 { font-size: 23px; }
.track p { margin-top: 10px; }

/* glossary */
.glossary div { display: grid; grid-template-columns: 190px 1fr; gap: 24px; padding: 22px 0; border-top: 1px solid var(--line); }
.glossary div:last-child { border-bottom: 1px solid var(--line); }
.glossary dt { font-family: var(--heading); font-weight: 600; font-size: 19px; letter-spacing: -0.01em; }
.glossary dd { color: var(--muted); }

/* dark ibv */
.sheet-dark { background: var(--ink); border-top: 0; }
.sheet-dark .sheet-title { color: #fff; }
.sheet-dark p { color: rgba(255,255,255,.72); }
.sheet-dark .runhead { color: rgba(255,255,255,.6); border-color: var(--orange); }
.statement { background: var(--ink-soft); border: 1px solid var(--line-dark); border-radius: 4px; padding: 22px 24px; }
.statement-top { display: flex; justify-content: space-between; align-items: center; font-size: 14px; color: rgba(255,255,255,.8); padding-bottom: 16px; border-bottom: 1px solid var(--line-dark); }
.statement-lock { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--orange); font-size: 13px; }
.statement-lock svg { width: 16px; height: 16px; }
.statement-row { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 15px 0; border-bottom: 1px solid var(--line-dark); }
.statement-row i { height: 8px; border-radius: 2px; background: #45423d; }
.statement-row b { font-weight: 600; color: rgba(255,255,255,.45); }
.statement-row b.in { color: #f5a86b; }
.statement-bottom { padding-top: 16px; font-size: 13px; color: rgba(255,255,255,.55); }

/* ruled lists */
.ruled { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0 28px; margin-top: 44px; }
.ruled li { padding-top: 22px; border-top: 2px solid var(--ink); }
.ruled li p { margin-top: 10px; }
.ruled-3 { grid-template-columns: repeat(3, 1fr); margin-bottom: 28px; }
.split .ruled-tight { grid-template-columns: 1fr; margin: 0; gap: 0; }
.split .ruled-tight li { display: grid; grid-template-columns: 170px 1fr; gap: 24px; padding: 22px 0; border-top: 1px solid var(--line); }
.split .ruled-tight li:first-child { border-top: 2px solid var(--ink); }
.split .ruled-tight li p { margin-top: 0; }

/* cosigner */
.cases li { padding: 22px 0; border-top: 1px solid var(--line); }
.cases li:last-child { border-bottom: 1px solid var(--line); }
.cases p { margin-top: 8px; }
.partner { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 28px; margin-top: 56px; padding: 32px; background: #fff; border: 1px solid var(--line); border-radius: 4px; }
.partner > div + div { border-left: 1px solid var(--line); padding-left: 28px; }
.partner-kicker { display: block; font-size: 13px; font-weight: 600; color: var(--orange-text); margin-bottom: 8px; }
.partner h3 { font-size: 22px; }
.partner p { margin-top: 8px; font-size: 15px; }
.partner-action { display: flex; flex-direction: column; align-items: flex-start; gap: 18px; }

details summary { list-style: none; cursor: pointer; }
details summary::-webkit-details-marker { display: none; }
.disclosure summary { font-size: 14px; font-weight: 600; text-decoration: underline; text-underline-offset: 5px; }
.disclosure[open] summary { margin-bottom: 10px; }
.disclosure p { font-size: 13px; }

/* faq */
.split-faq { grid-template-columns: 1fr 1.5fr; }
.faq details { border-top: 1px solid var(--line); }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { position: relative; padding: 20px 44px 20px 0; font-family: var(--heading); font-weight: 600; font-size: 19px; letter-spacing: -0.01em; line-height: 1.35; }
.faq summary::after, .faq summary::before { content: ''; position: absolute; right: 6px; top: 50%; width: 14px; height: 2px; background: var(--ink); transition: transform .2s ease; }
.faq summary::before { transform: rotate(90deg); }
.faq details[open] summary::before { transform: rotate(0); }
.faq summary:hover { color: var(--orange-text); }
.faq details p { padding: 0 44px 22px 0; max-width: 40em; }

/* closer */
.closer { background: var(--orange); color: var(--ink); }
.closer-inner { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: end; padding-block: clamp(56px, 7vw, 96px); }
.closer h2 { font-size: clamp(38px, 5vw, 72px); letter-spacing: -0.045em; line-height: 1; }
.closer p { color: var(--ink); font-size: 19px; margin-bottom: 22px; }

/* ---------- footer ---------- */
.site-footer { background: var(--ink); color: rgba(255,255,255,.75); padding-top: 64px; font-size: 15px; }
.site-footer p { color: rgba(255,255,255,.6); }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer-brand .logo-lockup { color: #fff; }
.footer-brand p { margin-top: 18px; max-width: 22em; }
.footer-links { display: flex; flex-direction: column; gap: 10px; align-items: flex-start; }
.footer-links a:hover { color: #fff; text-decoration: underline; text-underline-offset: 4px; }
.footer-address { font-style: normal; line-height: 1.6; }
address.contact-link { font-style: normal; font-size: clamp(18px, 1.5vw, 21px); line-height: 1.35; }
.footer-label { font-size: 13px; font-weight: 700; color: #fff; margin-bottom: 4px; }
.provinces-details { grid-column: 1 / -1; padding-top: 22px; border-top: 1px solid var(--line-dark); }
.provinces-details summary { font-weight: 600; color: #fff; }
.provinces-details summary::after { content: ' +'; color: var(--orange); }
.provinces-details[open] summary::after { content: ' −'; }
.provinces-details p { margin-top: 10px; }
.footer-disclosure { font-size: 13px; padding: 22px 0; border-top: 1px solid var(--line-dark); max-width: 60em; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-block: 22px 32px; border-top: 1px solid var(--line-dark); font-size: 13px; }
.footer-legal-links { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-legal-links a:hover { color: #fff; }

/* ---------- consent dialog ---------- */
.consent-dialog { width: 560px; max-width: calc(100vw - 32px); max-height: calc(100dvh - 32px); margin: auto; padding: 0; border: 0; border-radius: 4px; background: var(--paper); border-top: 4px solid var(--orange); }
.consent-modal-card { padding: 30px; }
.consent-modal-header { display: flex; justify-content: space-between; align-items: start; gap: 20px; }
.consent-modal-header h2 { font-size: 28px; }
.consent-close { width: 40px; height: 40px; font-size: 28px; line-height: 1; flex-shrink: 0; }
.consent-modal-body { margin-top: 18px; font-size: 15px; }
.consent-modal-body p + p { margin-top: 14px; }
.consent-destination { font-size: 13px; }
.consent-terms-link { display: inline-block; margin-top: 14px; font-size: 14px; font-weight: 600; text-decoration: underline; text-decoration-color: var(--orange); text-underline-offset: 5px; }
.consent-modal-footer { display: flex; justify-content: space-between; align-items: center; gap: 16px; margin-top: 28px; }
.consent-cancel { min-height: 44px; font-size: 14px; text-decoration: underline; text-underline-offset: 5px; }

/* ---------- sub-pages ---------- */
.section-label { display: block; font-size: 12px; font-weight: 700; letter-spacing: .12em; color: var(--muted); margin-bottom: 18px; }
.subpage-hero { padding-block: clamp(56px, 8vw, 110px) clamp(40px, 5vw, 64px); border-bottom: 1px solid var(--line); }
.subpage-hero .section-label { display: inline-block; padding-top: 10px; border-top: 2px solid var(--ink); }
.subpage-hero h1 { font-size: clamp(42px, 5.6vw, 78px); letter-spacing: -0.045em; line-height: 1.02; max-width: 14em; }
.subpage-hero h1 span { color: var(--orange-text); }
.subpage-hero p { font-size: clamp(18px, 1.5vw, 20px); max-width: 34em; margin-top: 22px; }
.subpage-figure { margin-top: 48px; }
.subpage-figure img { width: 100%; height: clamp(220px, 32vw, 420px); object-fit: cover; object-position: center 35%; border-radius: 4px; }

.section { padding-block: clamp(56px, 7vw, 96px); }
.section + .section { border-top: 1px solid var(--line); }
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.content-column > * + * { margin-top: 18px; }
.content-column h2 { font-size: clamp(30px, 3vw, 44px); }
.feature-item { padding: 24px 0; border-top: 1px solid var(--line); }
.content-column .feature-item:first-child { border-top: 2px solid var(--ink); }
.content-column > .feature-item + .feature-item { margin-top: 0; }
.feature-title { font-size: 22px; letter-spacing: -0.015em; line-height: 1.25; }
.feature-body { margin-top: 10px; }
.feature-item > .section-label[aria-hidden] { display: none; }
.resource-points { margin-top: 16px; }
.resource-points li { position: relative; padding: 8px 0 8px 22px; color: var(--muted); border-top: 1px dashed var(--line); }
.resource-points li::before { content: ''; position: absolute; left: 0; top: 19px; width: 10px; height: 2px; background: var(--orange); }
.page-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 18px 28px; margin-top: 32px; }
.content-column .page-actions { margin-top: 30px; }

.contact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.contact-card { padding: 28px 28px 28px 0; border-top: 2px solid var(--ink); }
.contact-card + .contact-card { padding-left: 28px; border-left: 1px solid var(--line); }
.contact-card .section-label { color: var(--orange-text); margin-bottom: 10px; }
.contact-link { display: inline-block; margin-top: 14px; font-family: var(--heading); font-size: clamp(20px, 1.8vw, 26px); font-weight: 600; color: var(--ink); letter-spacing: -0.01em; }
a.contact-link { text-decoration: underline; text-decoration-color: var(--orange); text-decoration-thickness: 2px; text-underline-offset: 6px; }

.legal-document-links { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 48px; }
.legal-document-links a { padding: 9px 14px; font-size: 14px; font-weight: 600; border: 1px solid var(--line); border-radius: 3px; }
.legal-document-links a:hover { border-color: var(--ink); }
.legal-document-links a[aria-current="page"] { background: var(--ink); color: #fff; border-color: var(--ink); }
.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.legal-toc { position: sticky; top: calc(var(--nav-h) + 24px); }
.legal-toc ol { counter-reset: toc; }
.legal-toc li { counter-increment: toc; }
.legal-toc a { display: flex; gap: 10px; padding: 7px 0; font-size: 14px; color: var(--muted); }
.legal-toc a::before { content: counter(toc) '.'; color: var(--orange-text); font-weight: 600; min-width: 1.4em; }
.legal-toc a:hover { color: var(--ink); }
.legal-content { max-width: 44em; }
.legal-section { padding: 26px 0; border-top: 1px solid var(--line); }
.legal-section h2 { font-size: 22px; letter-spacing: -0.015em; line-height: 1.3; }
.legal-section p { margin-top: 12px; }
.not-found-page h1 { font-size: clamp(40px, 5vw, 68px); }

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .nav-center { display: none; }
  .nav-right { margin-left: auto; }
  .nav-hamburger { display: flex; }
  .sheet-grid { grid-template-columns: 1fr; gap: 20px; }
  .runhead { position: static; justify-self: start; }
  .ruled { grid-template-columns: repeat(2, 1fr); gap: 32px 28px; }
  .partner { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr 1fr; }
  .contact-card:nth-child(3) { padding-left: 0; border-left: 0; }
  .partner-action { grid-column: 1 / -1; border-left: 0 !important; padding-left: 0 !important; padding-top: 24px; border-top: 1px solid var(--line); flex-direction: row; flex-wrap: wrap; align-items: center; }
}
@media (max-width: 860px) {
  .hero-grid, .split, .split-faq, .content-grid, .closer-inner, .legal-layout { grid-template-columns: 1fr; }
  .hero-figure { max-width: 520px; }
  .track { grid-template-columns: 1fr; border-top: 0; border-left: 1px solid var(--ink); margin-left: 5px; }
  .track li, .track li + li { padding: 0 0 32px 28px; border-left: 0; }
  .track li::before, .track li + li::before { top: 4px; left: -6px; }
  .glossary div, .split .ruled-tight li { grid-template-columns: 1fr; gap: 6px; }
  .ruled-3 { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-card, .contact-card + .contact-card { padding: 24px 0; border-left: 0; border-bottom: 1px solid var(--line); }
  .legal-toc { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 600px) {
  :root { --nav-h: 64px; }
  body { font-size: 16px; }
  .nav-cta, .nav-lang-toggle { display: none; }
  .logo-icon { width: 30px; height: 30px; }
  .hero-figure img { width: 100%; }
  .hero-figure { padding-bottom: 0; }
  .slip { position: relative; width: auto; margin: -40px 16px 0; }
  .hero-actions .btn { width: 100%; }
  .notice-inner { flex-direction: column; align-items: flex-start; gap: 12px; }
  .ruled { grid-template-columns: 1fr; }
  .partner { grid-template-columns: 1fr; padding: 24px; }
  .partner > div + div { border-left: 0; padding-left: 0; padding-top: 22px; border-top: 1px solid var(--line); }
  .faq summary { font-size: 17px; }
  .footer-grid { grid-template-columns: 1fr; }
  .consent-modal-card { padding: 22px; }
  .consent-modal-footer { flex-direction: column-reverse; align-items: stretch; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}