/* Hard.Money — design system
   Palette: ink navy + vault gold + paper. One display/body family (Manrope) with
   a tabular numeric mono for figures. Everything is CSS-variable driven. */
:root{
  --ink:#0b1b33;--ink-2:#13284d;--ink-3:#1d3763;
  --gold:#c9a227;--gold-2:#e2bd48;--gold-3:#fff4cc;
  --paper:#f7f6f2;--white:#ffffff;--line:#e3e1da;--muted:#5d6675;--text:#1a2230;
  --green:#1f8a5b;--green-2:#e6f5ec;--red:#c0392b;--red-2:#fdecea;--blue:#2457c5;--blue-2:#e9effc;
  --radius:14px;--radius-sm:8px;--shadow:0 10px 30px rgba(11,27,51,.10);--shadow-sm:0 2px 8px rgba(11,27,51,.08);
  --max:1180px;--font:"Manrope","Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--paper);line-height:1.6;font-size:17px}
img,svg,video,iframe{max-width:100%}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.15;color:var(--ink);margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.4rem)}h2{font-size:clamp(1.55rem,3vw,2.2rem)}h3{font-size:1.25rem}h4{font-size:1.05rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--ink);padding:8px 12px;border-radius:6px;z-index:1000}
.skip:focus{left:8px}

/* Top notice bar (required on every page) */
.topbar{position:relative;background:var(--ink);text-align:center;padding:8px 14px;border-bottom:1px solid rgba(255,255,255,.08);font-size:0;line-height:0;color:transparent}
.topbar a{color:transparent;text-decoration:none}
.topbar a::before{content:"Contact, if you are interested in this website/domain name/Sponsorship/Advertisement/Partnership";font-size:.86rem;line-height:1.5;color:var(--gold-2);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.topbar a:hover::before{color:#fff}
.topbar a::after{content:"";position:absolute;inset:0}

/* Header */
.hdr{position:sticky;top:0;z-index:60;background:rgba(11,27,51,.96);backdrop-filter:saturate(1.2) blur(8px);color:#fff}
.hdr .wrap{display:flex;align-items:center;gap:18px;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.45rem;letter-spacing:-.02em}
.logo:hover{text-decoration:none}
.logo .dot{color:var(--gold)}
.logo .mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--gold),#8c6d12);display:grid;place-items:center;color:var(--ink);font-weight:900;font-size:1rem}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{color:#e4e9f2;padding:9px 12px;border-radius:8px;font-weight:600;font-size:.95rem}
.nav a:hover{background:rgba(255,255,255,.08);text-decoration:none}
.nav .btn{margin-left:6px}
.burger{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:8px;padding:8px 10px;font:inherit;cursor:pointer}
@media (max-width:960px){
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ink);flex-direction:column;align-items:stretch;padding:10px 14px 16px;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav.open{display:flex}.nav a{padding:12px 10px}.nav .btn{margin:8px 0 0}
  .burger{display:inline-block}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:var(--ink)!important;font-weight:800;padding:12px 20px;border-radius:10px;border:0;cursor:pointer;font:inherit;font-weight:800;text-decoration:none!important;transition:transform .12s,box-shadow .12s,background .12s;line-height:1.2}
.btn:hover{background:var(--gold-2);transform:translateY(-1px);box-shadow:var(--shadow-sm)}
.btn.lg{padding:16px 28px;font-size:1.08rem}
.btn.sm{padding:9px 14px;font-size:.9rem}
.btn.ghost{background:transparent;color:#fff!important;border:1.5px solid rgba(255,255,255,.5)}
.btn.ghost:hover{background:rgba(255,255,255,.08)}
.btn.dark{background:var(--ink);color:#fff!important}.btn.dark:hover{background:var(--ink-2)}
.btn.green{background:var(--green);color:#fff!important}
.btn.outline{background:#fff;color:var(--ink)!important;border:1.5px solid var(--line)}
.btn[disabled]{opacity:.6;cursor:not-allowed}

/* Hero */
.hero{background:radial-gradient(1200px 600px at 80% -10%,#24467f 0%,var(--ink) 55%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero h1{color:#fff}
.hero .lead{font-size:1.2rem;color:#c9d3e6;max-width:640px}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
@media (max-width:900px){.hero .grid{grid-template-columns:1fr}}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:var(--gold-2);margin-bottom:12px}
.hero .stats{display:flex;gap:28px;flex-wrap:wrap;margin-top:28px}
.hero .stats b{display:block;font-size:1.6rem;font-family:var(--mono);color:var(--gold-2)}
.hero .stats span{font-size:.85rem;color:#aab6cc}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}

/* Quick quote card */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}
.card.dark{background:var(--ink-2);border-color:rgba(255,255,255,.08);color:#fff}
.card h3{margin-top:0}
.quote-card{box-shadow:var(--shadow)}
.quote-card .title{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.badge{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:4px 9px;border-radius:999px;background:var(--gold-3);color:#7a5c05}
.badge.green{background:var(--green-2);color:var(--green)}.badge.blue{background:var(--blue-2);color:var(--blue)}.badge.red{background:var(--red-2);color:var(--red)}

/* Forms */
label{display:block;font-weight:700;font-size:.9rem;margin:12px 0 6px;color:var(--ink)}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--text)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(201,162,39,.35);border-color:var(--gold)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.row{grid-template-columns:1fr}}
.help{font-size:.82rem;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1.5px solid var(--line);border-radius:999px;padding:9px 14px;cursor:pointer;background:#fff;font-weight:600;font-size:.92rem}
.chip:has(input:checked){background:var(--ink);color:#fff;border-color:var(--ink)}
.chip input{position:absolute;opacity:0;pointer-events:none}
.consent{display:block;position:relative;padding-left:26px;font-size:.82rem;color:var(--muted);font-weight:400;margin-top:14px;line-height:1.5}
.consent input{position:absolute;left:0;top:3px;width:16px;height:16px;margin:0}
.form-msg{margin-top:12px;padding:12px;border-radius:10px;display:none}
.form-msg.ok{display:block;background:var(--green-2);color:var(--green)}
.form-msg.err{display:block;background:var(--red-2);color:var(--red)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}

/* Multi-step */
.steps{display:flex;gap:6px;margin-bottom:18px}
.steps i{flex:1;height:6px;border-radius:999px;background:var(--line)}
.steps i.on{background:var(--gold)}
.step{display:none}.step.on{display:block}
.step-nav{display:flex;justify-content:space-between;gap:10px;margin-top:18px}
.estimate{background:var(--gold-3);border:1px dashed var(--gold);border-radius:10px;padding:12px 14px;margin-top:12px;font-size:.95rem}
.estimate b{font-family:var(--mono)}

/* Sections */
.section{padding:64px 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section.ink{background:var(--ink);color:#dfe6f3}.section.ink h2,.section.ink h3{color:#fff}
.section-head{max-width:720px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.08rem}
.section.ink .section-head p{color:#b7c3d9}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:960px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-3,.grid-2,.grid-4{grid-template-columns:1fr}}
.feature{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:transform .15s,box-shadow .15s;position:relative}
.feature:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.feature .ico{width:44px;height:44px;border-radius:10px;background:var(--gold-3);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.feature h3 a{color:var(--ink)}
.feature .terms{font-family:var(--mono);font-size:.82rem;color:var(--muted);display:grid;grid-template-columns:1fr 1fr;gap:4px 12px;margin:12px 0}
.feature .terms b{color:var(--ink)}
.feature.stretched a.cover::after{content:"";position:absolute;inset:0}

/* Trust strip */
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}
.trust b{display:block;font-family:var(--mono);font-size:1.9rem;color:var(--gold)}
.trust span{color:var(--muted);font-size:.9rem}
@media (max-width:700px){.trust{grid-template-columns:repeat(2,1fr)}}

/* Steps / how it works */
.howto{counter-reset:s;display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.howto div{color:var(--text);background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 18px 18px;position:relative}
.section.ink .howto h3{color:var(--ink)}
.howto div::before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:18px;background:var(--ink);color:var(--gold-2);font-family:var(--mono);font-weight:700;border-radius:999px;width:30px;height:30px;display:grid;place-items:center}
@media (max-width:960px){.howto{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.howto{grid-template-columns:1fr}}

/* Tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:.95rem}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl th{background:var(--ink);color:#fff;font-weight:700}
.tbl tr:last-child td{border-bottom:0}
.tbl td b{font-family:var(--mono)}
.tbl-wrap{overflow-x:auto}

/* Article / prose */
.prose{max-width:780px}
.prose h2{margin-top:2em;padding-top:.3em}
.prose h3{margin-top:1.6em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.35em 0}
.prose blockquote{border-left:4px solid var(--gold);margin:1.4em 0;padding:.6em 1.2em;background:#fff;border-radius:0 10px 10px 0;color:var(--ink)}
.prose img{border-radius:var(--radius)}
.keypoints{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--radius);padding:18px 22px;margin:22px 0}
.keypoints h3{margin:0 0 8px;font-size:1rem;text-transform:uppercase;letter-spacing:.08em}
.callout{background:var(--blue-2);border-radius:var(--radius);padding:18px 22px;margin:22px 0}
.callout.warn{background:var(--red-2)}
.callout.gold{background:var(--gold-3)}
.cta-inline{background:var(--ink);color:#fff;border-radius:var(--radius);padding:26px;margin:30px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-inline h3{color:#fff;margin:0 0 4px}.cta-inline p{margin:0;color:#b7c3d9}
.meta{color:var(--muted);font-size:.9rem;display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:22px}
.meta .avatar{width:34px;height:34px;border-radius:50%;background:var(--ink);color:var(--gold-2);display:grid;place-items:center;font-weight:800}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin:0 0 26px}
.toc b{display:block;margin-bottom:6px}
.toc ol{margin:0;padding-left:1.2em;columns:2;gap:24px}
@media (max-width:600px){.toc ol{columns:1}}
.toc a{color:var(--ink)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:40px;align-items:start}
@media (max-width:960px){.layout{grid-template-columns:1fr}}
.side{position:sticky;top:90px;display:grid;gap:18px}
.side .card h4{margin-top:0}
.side ul{padding-left:1.1em;margin:0}.side li{margin:.4em 0}

/* Ads */
.ad{min-height:90px;margin:26px auto;text-align:center}
.ad::before{content:"Advertisement";display:block;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:#9aa3b2;margin-bottom:6px}
.ad ins{display:block}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 20px;margin-bottom:10px}
details summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px;color:var(--ink)}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-family:var(--mono);font-size:1.3rem;color:var(--gold)}
details[open] summary::after{content:"–"}
details .a{padding:0 0 18px;color:var(--text)}

/* Directory */
.filters{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:22px}
@media (max-width:900px){.filters{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.filters{grid-template-columns:1fr}}
.filters label{margin:0 0 4px}
.lender{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:grid;grid-template-columns:1fr auto;gap:14px}
.lender.featured{border:2px solid var(--gold);box-shadow:var(--shadow)}
.lender h3{margin:0 0 4px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.lender .kv{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.88rem;color:var(--muted);margin:8px 0 10px}
.lender .kv b{color:var(--ink);font-family:var(--mono)}
.lender .tags{display:flex;flex-wrap:wrap;gap:6px}
.tag{font-size:.75rem;background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:3px 9px;color:var(--muted)}
.lender .act{display:grid;gap:8px;align-content:start;min-width:170px}
@media (max-width:640px){.lender{grid-template-columns:1fr}.lender .act{grid-auto-flow:column}}
.count{color:var(--muted);font-size:.9rem;margin-bottom:12px}

/* Calculators */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
.calc .out{background:var(--ink);color:#fff;border-radius:var(--radius);padding:26px;position:sticky;top:90px}
.calc .out h3{color:var(--gold-2);margin-top:0}
.calc .out .big{font-family:var(--mono);font-size:2.2rem;font-weight:700;margin:4px 0 14px}
.calc .out dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0;font-size:.95rem}
.calc .out dt{color:#b7c3d9}.calc .out dd{margin:0;font-family:var(--mono);text-align:right}
.calc .out .neg{color:#ff8f86}.calc .out .pos{color:#7ee2b0}
.range{display:flex;align-items:center;gap:12px}.range input[type=range]{padding:0}
.range output{font-family:var(--mono);min-width:64px;text-align:right;font-weight:700}

/* Videos */
.video{position:relative;aspect-ratio:16/9;border-radius:var(--radius);overflow:hidden;background:#000;cursor:pointer;border:1px solid var(--line)}
.video img{width:100%;height:100%;object-fit:cover;display:block;opacity:.92}
.video .play{position:absolute;inset:0;display:grid;place-items:center}
.video .play span{width:68px;height:48px;border-radius:12px;background:rgba(201,162,39,.95);display:grid;place-items:center;color:var(--ink);font-size:1.4rem;box-shadow:var(--shadow)}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-card h3{font-size:1.02rem;margin:12px 0 4px}
.video-card p{font-size:.9rem;color:var(--muted);margin:0}

/* Support tiers */
.tiers{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:960px){.tiers{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.tiers{grid-template-columns:1fr}}
.tier{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.tier.hot{border:2px solid var(--gold)}
.tier .price{font-family:var(--mono);font-size:2rem;font-weight:700;color:var(--ink)}
.tier ul{padding-left:1.1em;flex:1}
.goal{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.goal .bar{height:12px;background:var(--line);border-radius:999px;overflow:hidden;margin:10px 0}
.goal .bar i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-2))}

/* Glossary */
.alpha{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:22px}
.alpha a{border:1px solid var(--line);background:#fff;border-radius:8px;padding:6px 10px;font-family:var(--mono);color:var(--ink);font-size:.9rem}
.term{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:12px}
.term h3{margin:0 0 6px;font-size:1.05rem}.term p{margin:0}

/* Breadcrumbs */
.crumbs{font-size:.85rem;color:var(--muted);margin:18px 0 0}
.crumbs a{color:var(--muted)}.crumbs span{margin:0 6px}

/* Page header */
.page-head{padding:44px 0 30px}
.page-head p.lead{font-size:1.15rem;color:var(--muted);max-width:760px}

/* Footer */
.ftr{background:var(--ink);color:#aab6cc;padding:56px 0 30px;margin-top:40px;font-size:.92rem}
.ftr h4{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:28px}
@media (max-width:960px){.ftr .cols{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.ftr .cols{grid-template-columns:1fr}}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:7px 0}
.ftr a{color:#d4dcea}.ftr a:hover{color:var(--gold-2)}
.ftr .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:22px;font-size:.8rem;color:#8f9cb5;line-height:1.6}
.ftr .legal p{margin:0 0 8px}
.ftr .logo{font-size:1.3rem;margin-bottom:10px}

/* Cookie bar */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:90;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:var(--shadow);display:none;gap:14px;align-items:center;flex-wrap:wrap;max-width:860px;margin:0 auto;font-size:.9rem}
.cookie.show{display:flex}
.cookie p{margin:0;flex:1;min-width:220px}

/* Sticky mobile CTA */
.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--ink);padding:10px 14px;box-shadow:0 -6px 20px rgba(0,0,0,.2)}
.sticky-cta .btn{width:100%}
@media (max-width:720px){.sticky-cta{display:block}body{padding-bottom:64px}.cookie{bottom:72px}}

/* Misc */
.pill-list{display:flex;flex-wrap:wrap;gap:8px}
.pill-list a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;color:var(--ink);font-weight:600;font-size:.9rem}
.pill-list a:hover{border-color:var(--gold);text-decoration:none}
.testimonial{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.testimonial p{font-style:italic}.testimonial b{display:block;font-style:normal;color:var(--ink)}
.notice{font-size:.85rem;color:var(--muted);border:1px solid var(--line);background:#fff;border-radius:10px;padding:12px 14px}
.center{text-align:center}
.mt0{margin-top:0}.mt2{margin-top:2rem}.mb2{margin-bottom:2rem}
.muted{color:var(--muted)}
.post-list article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column}
.post-list article h3{font-size:1.12rem}.post-list article h3 a{color:var(--ink)}
.post-list .rt{font-size:.8rem;color:var(--muted);margin-top:auto;padding-top:10px}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}
.state-grid a{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 12px;color:var(--ink);font-weight:600;font-size:.92rem;display:flex;justify-content:space-between}
.state-grid a:hover{border-color:var(--gold);text-decoration:none}
.state-grid a small{color:var(--muted);font-weight:400}
@media print{.topbar,.hdr,.ftr,.sticky-cta,.cookie,.ad{display:none}}