/* ============================================================
   FTC.CSS — Finteca full-site stylesheet
   prefix: ftc  |  build: 2026-08-17
   covers ALL 24 pages in design-spec.pages.list
   ============================================================ */

/* ---- TOKENS ---- */
:root {
  --ftc-bg-mahogany:    #1E1510;
  --ftc-bg-deep-warm:   #2A1E16;
  --ftc-bg-card-warm:   #352820;
  --ftc-bg-parchment:   #F5F0E8;
  --ftc-bg-warm-white:  #FDFAF5;
  --ftc-bg-sand:        #EDE7D9;

  --ftc-cream-primary:  #F0E9DC;
  --ftc-cream-muted:    #B8A898;
  --ftc-terracotta:     #E07A5F;
  --ftc-gold-data:      #C8972A;

  --ftc-charcoal:       #211710;
  --ftc-warm-mid:       #5C4033;
  --ftc-terracotta-text:#B35340;
  --ftc-border-warm:    #D9CEC0;

  --ftc-cobalt:         #2E5FA8;
  --ftc-cobalt-hover:   #254d8c;

  --ftc-nav-h:          64px;
  --ftc-container:      1160px;
  --ftc-radius:         8px;
  --ftc-radius-lg:      14px;

  --ftc-font-heading:   'Lora', Georgia, serif;
  --ftc-font-body:      'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--ftc-font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ftc-charcoal);
  background: var(--ftc-bg-parchment);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; }

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4 {
  font-family: var(--ftc-font-heading);
  line-height: 1.2;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.25rem); }
h3 { font-size: clamp(1.2rem, 2.2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* ---- LAYOUT CONTAINERS ---- */
.ftc-container {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.ftc-container--narrow {
  max-width: 760px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.ftc-container--wide {
  max-width: 1320px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}

/* ---- SECTION BACKGROUNDS ---- */
.ftc-section--dark {
  background: var(--ftc-bg-mahogany);
  color: var(--ftc-cream-primary);
}
.ftc-section--dark-warm {
  background: var(--ftc-bg-deep-warm);
  color: var(--ftc-cream-primary);
}
.ftc-section--light {
  background: var(--ftc-bg-parchment);
  color: var(--ftc-charcoal);
}
.ftc-section--cream {
  background: var(--ftc-bg-sand);
  color: var(--ftc-charcoal);
}
.ftc-section--warm-white {
  background: var(--ftc-bg-warm-white);
  color: var(--ftc-charcoal);
}
.ftc-section--brand {
  background: var(--ftc-terracotta);
  color: #fff;
}

/* ---- BUTTONS ---- */
.ftc-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--ftc-radius);
  font-family: var(--ftc-font-body);
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1;
  transition: background 0.18s, border-color 0.18s, color 0.18s, opacity 0.18s;
  text-decoration: none;
  border: 2px solid transparent;
  white-space: nowrap;
}
.ftc-btn--primary {
  background: var(--ftc-cobalt);
  color: #fff;
  border-color: var(--ftc-cobalt);
}
.ftc-btn--primary:hover { background: var(--ftc-cobalt-hover); border-color: var(--ftc-cobalt-hover); }

.ftc-btn--outline-dark {
  background: transparent;
  color: var(--ftc-charcoal);
  border-color: var(--ftc-charcoal);
}
.ftc-btn--outline-dark:hover { background: var(--ftc-charcoal); color: var(--ftc-cream-primary); }

.ftc-btn--outline-light {
  background: transparent;
  color: var(--ftc-cream-primary);
  border-color: var(--ftc-cream-primary);
}
.ftc-btn--outline-light:hover { background: var(--ftc-cream-primary); color: var(--ftc-charcoal); }

.ftc-btn--ghost-dark {
  background: transparent;
  color: var(--ftc-charcoal);
  border-color: transparent;
  padding-inline: 0;
}
.ftc-btn--ghost-dark:hover { color: var(--ftc-terracotta-text); }

.ftc-btn--ghost-light {
  background: transparent;
  color: var(--ftc-cream-primary);
  border-color: transparent;
}
.ftc-btn--ghost-light:hover { color: var(--ftc-terracotta); }

.ftc-btn--sm { padding: 0.5rem 1rem; font-size: 0.85rem; }
.ftc-btn--lg { padding: 0.9rem 2rem; font-size: 1rem; }

/* ---- NAV ---- */
.ftc-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--ftc-nav-h);
  z-index: 1000;
  transition: background 0.25s, box-shadow 0.25s;
}
.ftc-nav__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.ftc-nav__logo { display: flex; align-items: center; flex-shrink: 0; }
.ftc-nav__logo img { height: 30px; width: auto; }
.ftc-nav__logo-light { display: block; }
.ftc-nav__logo-dark  { display: none; }

.ftc-nav__links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.ftc-nav__link {
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.15s;
  position: relative;
}
.ftc-nav__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}
.ftc-nav__signin {
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.15s;
}

/* Dark-top pages: nav links light on transparent */
.ftc-page--dark-top .ftc-nav {
  background: transparent;
}
.ftc-page--dark-top .ftc-nav__link,
.ftc-page--dark-top .ftc-nav__signin {
  color: var(--ftc-cream-primary);
}
.ftc-page--dark-top .ftc-nav__link:hover,
.ftc-page--dark-top .ftc-nav__signin:hover {
  color: var(--ftc-terracotta);
}
.ftc-page--dark-top .ftc-nav__logo-light { display: block; }
.ftc-page--dark-top .ftc-nav__logo-dark  { display: none; }

/* Light-top pages: nav has parchment bg */
.ftc-page--light-top .ftc-nav {
  background: var(--ftc-bg-parchment);
  box-shadow: 0 1px 0 var(--ftc-border-warm);
}
.ftc-page--light-top .ftc-nav__link,
.ftc-page--light-top .ftc-nav__signin {
  color: var(--ftc-charcoal);
}
.ftc-page--light-top .ftc-nav__link:hover,
.ftc-page--light-top .ftc-nav__signin:hover {
  color: var(--ftc-terracotta-text);
}
.ftc-page--light-top .ftc-nav__logo-light { display: none; }
.ftc-page--light-top .ftc-nav__logo-dark  { display: block; }

/* Scrolled state: dark-top pages get solid dark bg */
.ftc-page--dark-top .ftc-nav--scrolled {
  background: var(--ftc-bg-mahogany);
  box-shadow: 0 2px 8px rgba(0,0,0,0.4);
}
.ftc-page--dark-top .ftc-nav--scrolled .ftc-nav__link,
.ftc-page--dark-top .ftc-nav--scrolled .ftc-nav__signin {
  color: var(--ftc-cream-primary);
}
.ftc-page--dark-top .ftc-nav--scrolled .ftc-nav__logo-light { display: block !important; }
.ftc-page--dark-top .ftc-nav--scrolled .ftc-nav__logo-dark  { display: none !important; }

.ftc-page--light-top .ftc-nav--scrolled {
  background: var(--ftc-bg-parchment);
  box-shadow: 0 2px 8px rgba(30,21,16,0.1);
}

/* Mobile hamburger */
.ftc-nav__hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
  width: 36px;
  height: 36px;
}
.ftc-nav__hamburger span {
  display: block;
  height: 2px;
  border-radius: 2px;
  transition: transform 0.2s, opacity 0.2s;
}
.ftc-page--dark-top .ftc-nav__hamburger span { background: var(--ftc-cream-primary); }
.ftc-page--dark-top .ftc-nav--scrolled .ftc-nav__hamburger span { background: var(--ftc-cream-primary); }
.ftc-page--light-top .ftc-nav__hamburger span { background: var(--ftc-charcoal); }

.ftc-nav__hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.ftc-nav__hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.ftc-nav__hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.ftc-nav__mobile-menu {
  display: none;
  position: fixed;
  top: var(--ftc-nav-h);
  left: 0; right: 0;
  background: var(--ftc-bg-mahogany);
  padding: 1.5rem;
  flex-direction: column;
  gap: 1rem;
  z-index: 999;
  box-shadow: 0 8px 24px rgba(0,0,0,0.4);
}
.ftc-nav__mobile-menu.is-open { display: flex; }
.ftc-nav__mobile-link {
  color: var(--ftc-cream-primary);
  font-size: 1.1rem;
  font-weight: 500;
  padding-block: 0.5rem;
  border-bottom: 1px solid var(--ftc-bg-card-warm);
}
.ftc-nav__mobile-link:hover { color: var(--ftc-terracotta); }
.ftc-nav__mobile-actions { display: flex; flex-direction: column; gap: 0.75rem; padding-top: 0.5rem; }

/* ---- FOOTER ---- */
.ftc-footer {
  background: var(--ftc-bg-mahogany);
  color: var(--ftc-cream-muted);
  padding-top: 4rem;
}
.ftc-footer__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  padding-bottom: 3rem;
}
.ftc-footer__col { display: flex; flex-direction: column; }
.ftc-footer__col-title {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ftc-cream-primary);
  margin-bottom: 1.25rem;
}
.ftc-footer__links { display: flex; flex-direction: column; gap: 0.65rem; }
.ftc-footer__link {
  font-size: 0.9rem;
  color: var(--ftc-cream-muted);
  transition: color 0.15s;
}
.ftc-footer__link:hover { color: var(--ftc-terracotta); }
.ftc-footer__bottom {
  border-top: 1px solid var(--ftc-bg-card-warm);
  padding-block: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.ftc-footer__copy {
  font-size: 0.8rem;
  color: var(--ftc-cream-muted);
  line-height: 1.6;
}
.ftc-footer__legal-links {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.ftc-footer__legal-link {
  font-size: 0.8rem;
  color: var(--ftc-cream-muted);
  transition: color 0.15s;
}
.ftc-footer__legal-link:hover { color: var(--ftc-terracotta); }

/* ---- HERO SECTION ---- */
.ftc-hero {
  position: relative;
  padding-top: calc(var(--ftc-nav-h) + 4rem);
  padding-bottom: 5rem;
  overflow: hidden;
}
.ftc-hero--dark {
  background: var(--ftc-bg-mahogany);
  color: var(--ftc-cream-primary);
}
.ftc-hero--light {
  background: var(--ftc-bg-parchment);
  color: var(--ftc-charcoal);
  padding-top: calc(var(--ftc-nav-h) + 3rem);
  padding-bottom: 4rem;
}
.ftc-hero__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}
.ftc-hero__inner--centered {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  text-align: center;
}
.ftc-hero__inner--single {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  max-width: 760px;
}
.ftc-hero__eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ftc-terracotta);
  margin-bottom: 1rem;
  display: block;
}
.ftc-hero__h1 {
  font-family: var(--ftc-font-heading);
  margin-bottom: 1.25rem;
}
.ftc-hero--dark .ftc-hero__h1 { color: var(--ftc-cream-primary); }
.ftc-hero--light .ftc-hero__h1 { color: var(--ftc-charcoal); }

.ftc-hero__sub {
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 2rem;
}
.ftc-hero--dark .ftc-hero__sub { color: var(--ftc-cream-muted); }
.ftc-hero--light .ftc-hero__sub { color: var(--ftc-warm-mid); }

.ftc-hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  align-items: center;
}
.ftc-hero__text { display: flex; flex-direction: column; justify-content: center; }
.ftc-hero__visual { position: relative; }
.ftc-hero__img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
}

/* Subpage hero (single column, dark) */
.ftc-subhero {
  background: var(--ftc-bg-mahogany);
  color: var(--ftc-cream-primary);
  padding-top: calc(var(--ftc-nav-h) + 4rem);
  padding-bottom: 4rem;
}
.ftc-subhero__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.ftc-subhero__inner--centered {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  text-align: center;
  max-width: 820px;
}
.ftc-subhero__h1 {
  font-family: var(--ftc-font-heading);
  color: var(--ftc-cream-primary);
  margin-bottom: 1.25rem;
}
.ftc-subhero__sub {
  font-size: 1.1rem;
  color: var(--ftc-cream-muted);
  line-height: 1.7;
}
.ftc-subhero__img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
}
.ftc-subhero__stat-band {
  display: flex;
  gap: 2rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}
.ftc-subhero__stat { color: var(--ftc-cream-primary); }
.ftc-subhero__stat-num {
  font-size: 2rem;
  font-weight: 700;
  font-family: var(--ftc-font-heading);
  color: var(--ftc-terracotta);
  display: block;
}
.ftc-subhero__stat-label {
  font-size: 0.85rem;
  color: var(--ftc-cream-muted);
}

/* ---- TRUST BAR ---- */
.ftc-trust-bar {
  background: var(--ftc-bg-warm-white);
  padding-block: 2rem;
  border-bottom: 1px solid var(--ftc-border-warm);
}
.ftc-trust-bar__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  display: flex;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
  justify-content: center;
}
.ftc-trust-bar__label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ftc-warm-mid);
  white-space: nowrap;
}
.ftc-trust-bar__banks {
  display: flex;
  gap: 2rem;
  align-items: center;
  flex-wrap: wrap;
  justify-content: center;
}
.ftc-trust-bar__bank {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ftc-warm-mid);
  opacity: 0.7;
  transition: opacity 0.15s;
}
.ftc-trust-bar__bank:hover { opacity: 1; }

/* ---- GENERIC CONTENT SECTIONS ---- */
.ftc-section {
  padding-block: 5rem;
}
.ftc-section--sm { padding-block: 3rem; }
.ftc-section--lg { padding-block: 7rem; }

.ftc-section__header {
  text-align: center;
  margin-bottom: 3.5rem;
}
.ftc-section__eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ftc-terracotta);
  margin-bottom: 0.75rem;
  display: block;
}
.ftc-section--dark .ftc-section__eyebrow { color: var(--ftc-terracotta); }
.ftc-section--light .ftc-section__eyebrow,
.ftc-section--cream .ftc-section__eyebrow,
.ftc-section--warm-white .ftc-section__eyebrow { color: var(--ftc-warm-mid); }
.ftc-section__h2 {
  font-family: var(--ftc-font-heading);
  margin-bottom: 1rem;
}
.ftc-section--dark .ftc-section__h2 { color: var(--ftc-cream-primary); }
.ftc-section--light .ftc-section__h2,
.ftc-section--cream .ftc-section__h2 { color: var(--ftc-charcoal); }
.ftc-section__lead {
  font-size: 1.05rem;
  color: var(--ftc-warm-mid);
  max-width: 600px;
  margin-inline: auto;
}
.ftc-section--dark .ftc-section__lead { color: var(--ftc-cream-muted); }

/* ---- PROBLEM / SPLIT SECTIONS ---- */
.ftc-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.ftc-split--text-right { direction: rtl; }
.ftc-split--text-right > * { direction: ltr; }
.ftc-split__text {}
.ftc-split__visual {}
.ftc-split__h2 {
  font-family: var(--ftc-font-heading);
  margin-bottom: 1.25rem;
}
.ftc-split__body {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ftc-warm-mid);
}
.ftc-section--dark .ftc-split__body { color: var(--ftc-cream-muted); }
.ftc-split__body ul { padding-left: 1.25rem; margin-top: 0.75rem; }
.ftc-split__body li { margin-bottom: 0.5rem; list-style: disc; }

/* ---- HOW IT WORKS STEPS ---- */
.ftc-steps { display: flex; flex-direction: column; gap: 3rem; }
.ftc-steps--numbered {}
.ftc-step { display: flex; gap: 2.5rem; align-items: flex-start; }
.ftc-step__num {
  font-family: var(--ftc-font-heading);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--ftc-terracotta);
  line-height: 1;
  min-width: 60px;
  flex-shrink: 0;
}
.ftc-section--dark .ftc-step__num { color: var(--ftc-terracotta); }
.ftc-section--light .ftc-step__num,
.ftc-section--cream .ftc-step__num,
.ftc-section--warm-white .ftc-step__num { color: var(--ftc-warm-mid); }
.ftc-step__content {}
.ftc-step__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}
.ftc-section--dark .ftc-step__title { color: var(--ftc-cream-primary); }
.ftc-step__desc {
  color: var(--ftc-warm-mid);
  line-height: 1.7;
}
.ftc-section--dark .ftc-step__desc { color: var(--ftc-cream-muted); }

/* Step detail (how-it-works alternating layout) */
.ftc-step-detail { display: flex; flex-direction: column; gap: 5rem; }
.ftc-step-detail__item {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.ftc-step-detail__item:nth-child(even) .ftc-step-detail__mock { order: -1; }
.ftc-step-detail__label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ftc-terracotta-text);
  margin-bottom: 0.5rem;
}
.ftc-step-detail__num {
  font-family: var(--ftc-font-heading);
  font-size: 4rem;
  font-weight: 700;
  color: var(--ftc-terracotta-text);
  line-height: 0.9;
  margin-bottom: 0.75rem;
}
.ftc-step-detail__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.5rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.75rem;
}
.ftc-step-detail__desc {
  color: var(--ftc-warm-mid);
  line-height: 1.75;
}
.ftc-step-detail__mock {}

/* ---- METRICS / PROOF ---- */
.ftc-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}
.ftc-metric { display: flex; flex-direction: column; }
.ftc-metric__num {
  font-family: var(--ftc-font-heading);
  font-size: 3rem;
  font-weight: 700;
  color: var(--ftc-terracotta);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.ftc-metric__label {
  font-size: 1.05rem;
  color: var(--ftc-cream-primary);
  margin-bottom: 0.4rem;
}
.ftc-metric__desc {
  font-size: 0.85rem;
  color: var(--ftc-cream-muted);
  line-height: 1.6;
}

/* ---- TESTIMONIALS ---- */
.ftc-testimonials {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 2rem;
  align-items: stretch;
}
.ftc-testimonial {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem;
  border: 1px solid var(--ftc-border-warm);
}
.ftc-testimonial--featured {
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.ftc-testimonial__quote {
  font-family: var(--ftc-font-heading);
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--ftc-charcoal);
  margin-bottom: 1.5rem;
  font-style: italic;
}
.ftc-testimonial__author {
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
  font-weight: 600;
}
.ftc-testimonial__meta {
  font-size: 0.8rem;
  color: var(--ftc-warm-mid);
  opacity: 0.75;
}

/* ---- BUYER PROFILE CARDS ---- */
.ftc-profiles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.ftc-profile {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem;
  border: 1px solid var(--ftc-border-warm);
  border-top: 3px solid var(--ftc-terracotta);
}
.ftc-profile__icon {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  color: var(--ftc-terracotta);
}
.ftc-profile__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.2rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
}
.ftc-profile__pain {
  font-size: 0.9rem;
  color: var(--ftc-warm-mid);
  margin-bottom: 1rem;
  line-height: 1.6;
}
.ftc-profile__answer {
  font-size: 0.9rem;
  color: var(--ftc-terracotta-text);
  font-weight: 500;
}

/* ---- ABOUT PREVIEW / TEAM ---- */
.ftc-about-preview {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.ftc-about-preview__img {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
}
.ftc-about-preview__eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ftc-warm-mid);
  margin-bottom: 0.75rem;
  display: block;
}
.ftc-about-preview__h2 {
  font-family: var(--ftc-font-heading);
  color: var(--ftc-charcoal);
  margin-bottom: 1rem;
}
.ftc-about-preview__body {
  color: var(--ftc-warm-mid);
  line-height: 1.75;
  margin-bottom: 1.5rem;
}

/* Team grid */
.ftc-team {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}
.ftc-team-card {
  text-align: center;
}
.ftc-team-card__avatar-wrap {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 1.25rem;
  background: var(--ftc-bg-sand);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 3px solid var(--ftc-border-warm);
}
.ftc-team-card__avatar {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
}
.ftc-team-card__initials {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--ftc-warm-mid);
  font-family: var(--ftc-font-heading);
}
.ftc-team-card__name {
  font-family: var(--ftc-font-heading);
  font-size: 1.1rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.25rem;
}
.ftc-team-card__role {
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
  font-weight: 600;
  margin-bottom: 0.75rem;
}
.ftc-team-card__bio {
  font-size: 0.9rem;
  color: var(--ftc-warm-mid);
  line-height: 1.65;
}

/* ---- GUIA ARTICLE CARDS ---- */
.ftc-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.ftc-card-grid--4col { grid-template-columns: repeat(4, 1fr); }
.ftc-card-grid--2col { grid-template-columns: repeat(2, 1fr); }
.ftc-article-card {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  overflow: hidden;
  border: 1px solid var(--ftc-border-warm);
  transition: box-shadow 0.2s, transform 0.2s;
  display: flex;
  flex-direction: column;
}
.ftc-article-card:hover {
  box-shadow: 0 8px 24px rgba(30,21,16,0.1);
  transform: translateY(-2px);
}
.ftc-article-card__cover {
  width: 100%;
  aspect-ratio: 3/2;
  object-fit: cover;
  display: block;
}
.ftc-article-card__body {
  padding: 1.25rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.ftc-article-card__meta {
  font-size: 0.78rem;
  color: var(--ftc-warm-mid);
  margin-bottom: 0.6rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.ftc-article-card__title {
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
  line-height: 1.4;
}
.ftc-article-card__excerpt {
  font-size: 0.88rem;
  color: var(--ftc-warm-mid);
  line-height: 1.6;
  flex: 1;
}
.ftc-article-card__read {
  font-size: 0.85rem;
  color: var(--ftc-terracotta-text);
  font-weight: 600;
  margin-top: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.ftc-article-card__read:hover { color: var(--ftc-terracotta); }

/* Guia featured card (large) */
.ftc-card-grid--featured {
  display: grid;
  grid-template-columns: 2fr 1fr;
  grid-template-rows: auto;
  gap: 2rem;
}
.ftc-article-card--featured .ftc-article-card__cover { aspect-ratio: 16/9; }
.ftc-article-card--featured .ftc-article-card__title { font-size: 1.3rem; }

/* ---- GUIA INDEX GRID ---- */
.ftc-guia-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

/* ---- PRICING ---- */
.ftc-pricing {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  align-items: start;
}
.ftc-pricing-card {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem;
  border: 2px solid var(--ftc-border-warm);
  position: relative;
  display: flex;
  flex-direction: column;
}
.ftc-pricing-card--highlighted {
  border-color: var(--ftc-cobalt);
  box-shadow: 0 4px 20px rgba(46,95,168,0.15);
}
.ftc-pricing-card__badge {
  position: absolute;
  top: -0.75rem;
  left: 50%;
  transform: translateX(-50%);
  background: var(--ftc-cobalt);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  white-space: nowrap;
}
.ftc-pricing-card__name {
  font-family: var(--ftc-font-heading);
  font-size: 1.25rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.25rem;
}
.ftc-pricing-card__price {
  display: flex;
  align-items: flex-end;
  gap: 0.25rem;
  margin-bottom: 0.25rem;
}
.ftc-pricing-card__amount {
  font-family: var(--ftc-font-heading);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  line-height: 1;
}
.ftc-pricing-card__currency {
  font-size: 1.1rem;
  color: var(--ftc-warm-mid);
  font-weight: 500;
  margin-bottom: 0.3rem;
}
.ftc-pricing-card__period {
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
  margin-bottom: 1.5rem;
}
.ftc-pricing-card__cap {
  font-size: 0.85rem;
  color: var(--ftc-terracotta-text);
  margin-bottom: 1.5rem;
  font-weight: 500;
}
.ftc-pricing-card__features {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  flex: 1;
  margin-bottom: 1.75rem;
}
.ftc-pricing-card__feature {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.88rem;
  color: var(--ftc-charcoal);
  line-height: 1.5;
}
.ftc-pricing-card__feature i {
  color: var(--ftc-terracotta);
  flex-shrink: 0;
  margin-top: 0.1rem;
}

/* ---- FAQ / ACCORDION ---- */
.ftc-faq { display: flex; flex-direction: column; gap: 0; }
.ftc-faq__item {
  border-bottom: 1px solid var(--ftc-border-warm);
}
.ftc-faq__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-block: 1.25rem;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ftc-charcoal);
  cursor: pointer;
  transition: color 0.15s;
}
.ftc-faq__question:hover { color: var(--ftc-terracotta-text); }
.ftc-faq__question[aria-expanded="true"] { color: var(--ftc-terracotta-text); }
.ftc-faq__icon {
  flex-shrink: 0;
  color: var(--ftc-terracotta);
  transition: transform 0.2s;
}
.ftc-faq__question[aria-expanded="true"] .ftc-faq__icon { transform: rotate(180deg); }
.ftc-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.ftc-faq__answer-inner {
  padding-bottom: 1.25rem;
  color: var(--ftc-warm-mid);
  font-size: 0.95rem;
  line-height: 1.75;
}

/* ---- INLINE MOCKS ---- */
/* Generic mock card container */
.ftc-mock {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  border: 1px solid var(--ftc-border-warm);
  overflow: hidden;
  font-size: 0.88rem;
  box-shadow: 0 4px 20px rgba(30,21,16,0.08);
}
.ftc-mock--dark {
  background: var(--ftc-bg-card-warm);
  border-color: rgba(240,233,220,0.1);
}
.ftc-mock__header {
  padding: 0.9rem 1.25rem;
  background: var(--ftc-bg-sand);
  border-bottom: 1px solid var(--ftc-border-warm);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--ftc-warm-mid);
}
.ftc-mock--dark .ftc-mock__header {
  background: var(--ftc-bg-mahogany);
  border-bottom-color: rgba(240,233,220,0.1);
  color: var(--ftc-cream-muted);
}
.ftc-mock__body { padding: 1.25rem; }

/* Mortgage comparison mock rows */
.ftc-comp-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr 0.8fr;
  gap: 0.5rem;
  align-items: center;
  padding: 0.75rem 1.25rem;
  border-bottom: 1px solid var(--ftc-border-warm);
  font-size: 0.82rem;
}
.ftc-comp-row:last-child { border-bottom: none; }
.ftc-comp-row--head {
  background: var(--ftc-bg-sand);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--ftc-warm-mid);
}
.ftc-comp-row--best {
  border-left: 3px solid var(--ftc-terracotta);
  background: rgba(224,122,95,0.06);
}
.ftc-comp-row__bank { font-weight: 600; color: var(--ftc-charcoal); }
.ftc-comp-row--dark .ftc-comp-row__bank { color: var(--ftc-cream-primary); }
.ftc-comp-badge {
  background: var(--ftc-terracotta);
  color: var(--ftc-charcoal);
  font-size: 0.65rem;
  font-weight: 700;
  padding: 0.15rem 0.5rem;
  border-radius: 4px;
  display: inline-block;
}
.ftc-comp-row__rate { color: var(--ftc-terracotta-text); font-weight: 700; }
.ftc-comp-row__payment { font-weight: 600; color: var(--ftc-charcoal); }
.ftc-comp-row__link { color: var(--ftc-cobalt); font-size: 0.78rem; font-weight: 500; }

.ftc-mock--dark .ftc-comp-row { color: var(--ftc-cream-muted); border-bottom-color: rgba(240,233,220,0.12); }
.ftc-mock--dark .ftc-comp-row--head { background: rgba(255,255,255,0.06); color: var(--ftc-cream-muted); }
.ftc-mock--dark .ftc-comp-row__bank { color: var(--ftc-cream-primary); }
.ftc-mock--dark .ftc-comp-row__rate { color: #F0A898; }
.ftc-mock--dark .ftc-comp-row__payment { color: var(--ftc-cream-primary); }
.ftc-mock--dark .ftc-comp-row__link { color: #7EA8E8; }

/* Form mock */
.ftc-form-mock { display: flex; flex-direction: column; gap: 1rem; }
.ftc-form-mock__group { display: flex; flex-direction: column; gap: 0.35rem; }
.ftc-form-mock__label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--ftc-warm-mid);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.ftc-form-mock__input {
  height: 38px;
  background: var(--ftc-bg-parchment);
  border: 1px solid var(--ftc-border-warm);
  border-radius: 6px;
  padding: 0 0.75rem;
  font-size: 0.88rem;
  color: var(--ftc-charcoal);
  display: flex;
  align-items: center;
}
.ftc-form-mock__input--range {
  position: relative;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.ftc-form-mock__range-track {
  flex: 1;
  height: 4px;
  background: var(--ftc-border-warm);
  border-radius: 4px;
  position: relative;
}
.ftc-form-mock__range-fill {
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 55%;
  background: var(--ftc-cobalt);
  border-radius: 4px;
}
.ftc-form-mock__range-thumb {
  position: absolute;
  left: 55%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--ftc-cobalt);
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(46,95,168,0.35);
}
.ftc-form-mock__value {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ftc-charcoal);
  white-space: nowrap;
}
.ftc-form-mock__select {
  height: 38px;
  background: var(--ftc-bg-parchment);
  border: 1px solid var(--ftc-border-warm);
  border-radius: 6px;
  padding: 0 0.75rem;
  font-size: 0.88rem;
  color: var(--ftc-charcoal);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.ftc-form-mock__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.ftc-form-mock__radios { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.ftc-form-mock__radio {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  color: var(--ftc-charcoal);
}
.ftc-form-mock__radio-dot {
  width: 14px; height: 14px;
  border-radius: 50%;
  border: 2px solid var(--ftc-border-warm);
  flex-shrink: 0;
}
.ftc-form-mock__radio-dot--active {
  border-color: var(--ftc-cobalt);
  background: var(--ftc-cobalt);
}
.ftc-form-mock__result {
  background: rgba(46,95,168,0.06);
  border: 1px solid rgba(46,95,168,0.25);
  border-radius: 6px;
  padding: 0.75rem 1rem;
}
.ftc-form-mock__result-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--ftc-cobalt);
  margin-bottom: 0.25rem;
}
.ftc-form-mock__result-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
}

/* ---- DATA PRIVACY POINTS ---- */
.ftc-trust-points {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.ftc-trust-point {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.ftc-trust-point__icon {
  font-size: 1.5rem;
  color: var(--ftc-terracotta);
  margin-bottom: 0.75rem;
}
.ftc-trust-point__title {
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
}
.ftc-trust-point__desc {
  font-size: 0.9rem;
  color: var(--ftc-warm-mid);
  line-height: 1.65;
}

/* ---- CTA BAND ---- */
.ftc-cta-band {
  padding-block: 5rem;
  text-align: center;
}
.ftc-cta-band--dark {
  background: var(--ftc-bg-mahogany);
}
.ftc-cta-band--brand {
  background: var(--ftc-bg-deep-warm);
}
.ftc-cta-band__h2 {
  font-family: var(--ftc-font-heading);
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  margin-bottom: 0.75rem;
}
.ftc-cta-band--dark .ftc-cta-band__h2 { color: var(--ftc-cream-primary); }
.ftc-cta-band--brand .ftc-cta-band__h2 { color: var(--ftc-cream-primary); }
.ftc-cta-band__sub {
  font-size: 1rem;
  margin-bottom: 2rem;
}
.ftc-cta-band--dark .ftc-cta-band__sub { color: var(--ftc-cream-muted); }
.ftc-cta-band--brand .ftc-cta-band__sub { color: var(--ftc-cream-muted); }
.ftc-cta-band__actions {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.ftc-cta-band__reassurance {
  font-size: 0.82rem;
  margin-top: 1.25rem;
}
.ftc-cta-band--dark .ftc-cta-band__reassurance { color: var(--ftc-cream-muted); }
.ftc-cta-band--brand .ftc-cta-band__reassurance { color: var(--ftc-cream-muted); }

/* ---- CONTACT PAGE ---- */
.ftc-contact-form {
  display: flex;
  flex-direction: column;
}
.ftc-contact-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 4rem;
  align-items: start;
}
.ftc-contact-form__group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 1.25rem;
}
.ftc-contact-form__label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ftc-charcoal);
}
.ftc-contact-form__input,
.ftc-contact-form__select,
.ftc-contact-form__textarea {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  background: var(--ftc-bg-warm-white);
  font-family: var(--ftc-font-body);
  font-size: 0.95rem;
  color: var(--ftc-charcoal);
  transition: border-color 0.15s;
  appearance: none;
}
.ftc-contact-form__input:focus,
.ftc-contact-form__select:focus,
.ftc-contact-form__textarea:focus {
  outline: none;
  border-color: var(--ftc-cobalt);
  box-shadow: 0 0 0 3px rgba(46,95,168,0.1);
}
.ftc-contact-form__textarea { min-height: 140px; resize: vertical; }
.ftc-contact-form__feedback {
  padding: 1rem;
  background: rgba(46,95,168,0.08);
  border: 1px solid rgba(46,95,168,0.2);
  border-radius: var(--ftc-radius);
  color: var(--ftc-cobalt);
  font-size: 0.9rem;
  display: none;
}
.ftc-contact-form__feedback.is-visible { display: block; }
.ftc-contact-info__item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.ftc-contact-info__icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--ftc-bg-sand);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ftc-terracotta);
  flex-shrink: 0;
}
.ftc-contact-info__label {
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ftc-warm-mid);
  margin-bottom: 0.25rem;
}
.ftc-contact-info__value {
  font-size: 0.95rem;
  color: var(--ftc-charcoal);
  line-height: 1.5;
}

/* ---- MISSION / VALUES ---- */
.ftc-mission { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.ftc-mission__img {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
}
.ftc-mission__h2 {
  font-family: var(--ftc-font-heading);
  font-size: 1.75rem;
  color: var(--ftc-charcoal);
  margin-bottom: 1rem;
}
.ftc-mission__body {
  color: var(--ftc-warm-mid);
  line-height: 1.8;
  font-size: 1rem;
}

/* ---- FUNDING SECTION ---- */
.ftc-funding {
  background: var(--ftc-bg-sand);
  border-radius: var(--ftc-radius-lg);
  padding: 2.5rem;
  border-left: 4px solid var(--ftc-terracotta);
  max-width: 760px;
}
.ftc-funding__h3 {
  font-family: var(--ftc-font-heading);
  color: var(--ftc-charcoal);
  margin-bottom: 0.75rem;
}
.ftc-funding__body { color: var(--ftc-warm-mid); line-height: 1.75; }

/* ---- LENDER COVERAGE ---- */
.ftc-lenders {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.ftc-lender-tile {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius);
  border: 1px solid var(--ftc-border-warm);
  padding: 1.25rem;
  text-align: center;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--ftc-charcoal);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.ftc-lender-tile:hover { border-color: var(--ftc-terracotta); box-shadow: 0 2px 8px rgba(224,122,95,0.12); }

/* ---- ELIGIBILITY SCORING SECTION ---- */
.ftc-elig-factors {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.ftc-elig-factor-list { display: flex; flex-direction: column; gap: 1.25rem; }
.ftc-elig-factor {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.ftc-elig-factor__num {
  width: 32px; height: 32px;
  background: var(--ftc-terracotta);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
}
.ftc-elig-factor__title {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.25rem;
}
.ftc-elig-factor__desc {
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
  line-height: 1.55;
}

/* ---- ARTICLE / GUIA ARTICLE PAGE ---- */
.ftc-article-hero {
  background: var(--ftc-bg-mahogany);
  padding-top: calc(var(--ftc-nav-h) + 3.5rem);
  padding-bottom: 3.5rem;
}
.ftc-article-hero__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.ftc-article-hero__back {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  color: var(--ftc-terracotta);
  margin-bottom: 1.5rem;
  transition: color 0.15s;
}
.ftc-article-hero__back:hover { color: var(--ftc-cream-primary); }
.ftc-article-hero__tags {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 1rem;
}
.ftc-article-hero__tag {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.6rem;
  border-radius: 4px;
  background: rgba(224,122,95,0.2);
  color: #F0A898;
}
.ftc-article-hero__h1 {
  font-family: var(--ftc-font-heading);
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  color: var(--ftc-cream-primary);
  margin-bottom: 1rem;
  max-width: 840px;
}
.ftc-article-hero__meta {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.ftc-article-hero__author {
  font-size: 0.88rem;
  color: var(--ftc-cream-muted);
  font-weight: 500;
}
.ftc-article-hero__date {
  font-size: 0.85rem;
  color: var(--ftc-cream-muted);
}
.ftc-article-cover {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
  margin-bottom: -3rem;
}
.ftc-article-cover__img {
  width: 100%;
  max-width: 860px;
  aspect-ratio: 16/9;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
  display: block;
  margin-inline: auto;
}
.ftc-article-body {
  background: var(--ftc-bg-warm-white);
  padding-block: 5rem;
}
.ftc-article-content {
  max-width: 720px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  padding-top: 3rem;
  color: var(--ftc-charcoal);
  font-size: 1.05rem;
  line-height: 1.85;
}
.ftc-article-content h2 {
  font-family: var(--ftc-font-heading);
  font-size: 1.4rem;
  color: var(--ftc-charcoal);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}
.ftc-article-content h3 {
  font-family: var(--ftc-font-heading);
  font-size: 1.1rem;
  color: var(--ftc-charcoal);
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}
.ftc-article-content p { margin-bottom: 1.25rem; }
.ftc-article-content ul,
.ftc-article-content ol {
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
}
.ftc-article-content ul li { list-style: disc; margin-bottom: 0.4rem; }
.ftc-article-content ol li { list-style: decimal; margin-bottom: 0.4rem; }
.ftc-article-content strong { font-weight: 600; }
.ftc-article-content a { color: var(--ftc-cobalt); text-decoration: underline; }
.ftc-article-content a:hover { color: var(--ftc-terracotta-text); }
.ftc-article-content blockquote {
  border-left: 3px solid var(--ftc-terracotta);
  padding-left: 1.25rem;
  margin-block: 1.5rem;
  color: var(--ftc-warm-mid);
  font-style: italic;
}
.ftc-article-cta {
  max-width: 720px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  padding-top: 2.5rem;
  padding-bottom: 3rem;
}
.ftc-article-cta__card {
  background: var(--ftc-bg-sand);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem;
  border: 1px solid var(--ftc-border-warm);
  text-align: center;
}
.ftc-article-cta__h3 {
  font-family: var(--ftc-font-heading);
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
}
.ftc-article-cta__desc {
  color: var(--ftc-warm-mid);
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
}
.ftc-article-related {
  background: var(--ftc-bg-parchment);
  padding-block: 4rem;
}
.ftc-article-related__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.ftc-article-related__h2 {
  font-family: var(--ftc-font-heading);
  font-size: 1.25rem;
  color: var(--ftc-charcoal);
  margin-bottom: 2rem;
}

/* ---- AUTH PAGES ---- */
.ftc-auth-page {
  min-height: 100vh;
  background: var(--ftc-bg-parchment);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 1.5rem;
}
.ftc-auth-card {
  width: 100%;
  max-width: 440px;
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 2.5rem 2rem;
  border: 1px solid var(--ftc-border-warm);
  box-shadow: 0 8px 32px rgba(30,21,16,0.08);
}
.ftc-auth-logo {
  display: flex;
  justify-content: center;
  margin-bottom: 1.75rem;
}
.ftc-auth-logo img { height: 32px; }
.ftc-auth-card__h1 {
  font-family: var(--ftc-font-heading);
  font-size: 1.5rem;
  color: var(--ftc-charcoal);
  text-align: center;
  margin-bottom: 0.4rem;
}
.ftc-auth-card__sub {
  font-size: 0.88rem;
  color: var(--ftc-warm-mid);
  text-align: center;
  margin-bottom: 1.75rem;
}
.ftc-auth-form__group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 1rem;
}
.ftc-auth-form__label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ftc-charcoal);
}
.ftc-auth-form__input {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  background: var(--ftc-bg-parchment);
  font-family: var(--ftc-font-body);
  font-size: 0.95rem;
  color: var(--ftc-charcoal);
  transition: border-color 0.15s;
}
.ftc-auth-form__input:focus {
  outline: none;
  border-color: var(--ftc-cobalt);
  box-shadow: 0 0 0 3px rgba(46,95,168,0.1);
}
.ftc-auth-form__forgot {
  text-align: right;
  font-size: 0.82rem;
  color: var(--ftc-cobalt);
  margin-bottom: 1rem;
  margin-top: -0.5rem;
  display: block;
  transition: color 0.15s;
}
.ftc-auth-form__forgot:hover { color: var(--ftc-terracotta-text); }
.ftc-auth-form__submit {
  width: 100%;
  padding: 0.85rem;
  background: var(--ftc-cobalt);
  color: #fff;
  border: none;
  border-radius: var(--ftc-radius);
  font-family: var(--ftc-font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s;
  margin-top: 0.25rem;
}
.ftc-auth-form__submit:hover { background: var(--ftc-cobalt-hover); }
.ftc-auth-form__feedback {
  padding: 0.9rem 1rem;
  border-radius: var(--ftc-radius);
  font-size: 0.9rem;
  margin-top: 0.75rem;
  display: none;
}
.ftc-auth-form__feedback.is-visible { display: block; }
.ftc-auth-form__feedback--info {
  background: rgba(46,95,168,0.08);
  border: 1px solid rgba(46,95,168,0.2);
  color: var(--ftc-cobalt);
}
.ftc-auth-form__feedback--error {
  background: rgba(179,83,64,0.08);
  border: 1px solid rgba(179,83,64,0.2);
  color: var(--ftc-terracotta-text);
}
.ftc-auth-card__links {
  margin-top: 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
}
.ftc-auth-card__links a { color: var(--ftc-cobalt); font-weight: 500; }
.ftc-auth-card__links a:hover { color: var(--ftc-terracotta-text); }
.ftc-auth-card__legal {
  margin-top: 1.25rem;
  text-align: center;
  font-size: 0.75rem;
  color: var(--ftc-warm-mid);
  opacity: 0.8;
}
.ftc-auth-card__legal a { color: var(--ftc-warm-mid); text-decoration: underline; }
.ftc-auth-form-view { display: block; }
.ftc-auth-confirm-view { display: none; }
.ftc-auth-confirm-view.is-visible { display: block; }
.ftc-auth-form-view.is-hidden { display: none; }
.ftc-auth-confirm-icon {
  font-size: 2.5rem;
  color: var(--ftc-terracotta);
  text-align: center;
  margin-bottom: 1rem;
}
.ftc-auth-confirm-h2 {
  font-family: var(--ftc-font-heading);
  font-size: 1.2rem;
  color: var(--ftc-charcoal);
  text-align: center;
  margin-bottom: 0.5rem;
}
.ftc-auth-confirm-body {
  font-size: 0.9rem;
  color: var(--ftc-warm-mid);
  text-align: center;
  line-height: 1.7;
}

/* ---- LEGAL PAGE ---- */
.ftc-legal-page {
  background: var(--ftc-bg-warm-white);
  padding-top: calc(var(--ftc-nav-h) + 3rem);
  padding-bottom: 5rem;
}
.ftc-legal-content {
  max-width: 760px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  color: var(--ftc-charcoal);
  font-size: 0.95rem;
  line-height: 1.8;
}
.ftc-legal-content h1 {
  font-family: var(--ftc-font-heading);
  font-size: 2rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
}
.ftc-legal-content h2 {
  font-family: var(--ftc-font-heading);
  font-size: 1.2rem;
  color: var(--ftc-charcoal);
  margin-top: 2rem;
  margin-bottom: 0.5rem;
}
.ftc-legal-content p { margin-bottom: 1rem; color: var(--ftc-warm-mid); }
.ftc-legal-content ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.ftc-legal-content ul li { list-style: disc; margin-bottom: 0.35rem; color: var(--ftc-warm-mid); }
.ftc-legal-content a { color: var(--ftc-cobalt); text-decoration: underline; }
.ftc-legal-updated {
  font-size: 0.82rem;
  color: var(--ftc-warm-mid);
  margin-bottom: 2rem;
  opacity: 0.8;
}

/* ---- COOKIE BANNER ---- */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--ftc-bg-mahogany);
  color: var(--ftc-cream-primary);
  z-index: 9000;
  border-top: 1px solid var(--ftc-bg-card-warm);
}
.cookie-banner__inner {
  max-width: var(--ftc-container);
  margin-inline: auto;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  justify-content: space-between;
}
.cookie-banner__text {
  font-size: 0.88rem;
  color: var(--ftc-cream-muted);
  flex: 1;
  min-width: 200px;
  line-height: 1.6;
}
.cookie-banner__text a { color: var(--ftc-terracotta); text-decoration: underline; }
.cookie-banner__actions {
  display: flex;
  gap: 0.75rem;
  flex-shrink: 0;
  flex-wrap: wrap;
}
.cookie-banner__btn {
  padding: 0.55rem 1.25rem;
  border-radius: var(--ftc-radius);
  font-family: var(--ftc-font-body);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
  border: 2px solid transparent;
}
.cookie-banner__btn--primary {
  background: var(--ftc-cobalt);
  color: #fff;
  border-color: var(--ftc-cobalt);
}
.cookie-banner__btn--primary:hover { background: var(--ftc-cobalt-hover); border-color: var(--ftc-cobalt-hover); }
.cookie-banner__btn--secondary {
  background: transparent;
  color: var(--ftc-cream-primary);
  border-color: var(--ftc-cream-primary);
}
.cookie-banner__btn--secondary:hover { background: var(--ftc-cream-primary); color: var(--ftc-charcoal); }

/* ---- FADE-IN ANIMATION ---- */
.ftc-fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.ftc-fade-in.is-visible {
  opacity: 1;
  transform: none;
}

/* ---- UTILITY ---- */
.ftc-text-center { text-align: center; }
.ftc-text-right { text-align: right; }
.ftc-mt-sm { margin-top: 1rem; }
.ftc-mt-md { margin-top: 2rem; }
.ftc-mt-lg { margin-top: 3rem; }
.ftc-mb-sm { margin-bottom: 1rem; }
.ftc-mb-md { margin-bottom: 2rem; }
.ftc-visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .ftc-hero__inner { grid-template-columns: 1fr; }
  .ftc-hero__inner .ftc-hero__h1 { max-width: 600px; }
  .ftc-subhero__inner { grid-template-columns: 1fr; }
  .ftc-step-detail__item { grid-template-columns: 1fr; }
  .ftc-step-detail__item:nth-child(even) .ftc-step-detail__mock { order: 0; }
  .ftc-testimonials { grid-template-columns: 1fr; }
  .ftc-about-preview { grid-template-columns: 1fr; }
  .ftc-about-preview__img { max-width: 500px; }
  .ftc-mission { grid-template-columns: 1fr; }
  .ftc-contact-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .ftc-nav__links,
  .ftc-nav__actions { display: none; }
  .ftc-nav__hamburger { display: flex; }

  .ftc-split { grid-template-columns: 1fr; }
  .ftc-split--text-right { direction: ltr; }
  .ftc-metrics { grid-template-columns: 1fr; gap: 2rem; }
  .ftc-profiles { grid-template-columns: 1fr; }
  .ftc-team { grid-template-columns: repeat(2, 1fr); }
  .ftc-card-grid { grid-template-columns: 1fr; }
  .ftc-card-grid--2col { grid-template-columns: 1fr; }
  .ftc-guia-grid { grid-template-columns: 1fr; }
  .ftc-pricing { grid-template-columns: 1fr; }
  .ftc-lenders { grid-template-columns: repeat(2, 1fr); }
  .ftc-trust-points { grid-template-columns: 1fr; }
  .ftc-footer__grid { grid-template-columns: 1fr; }
  .ftc-footer__bottom { flex-direction: column; align-items: flex-start; }
  .ftc-elig-factors { grid-template-columns: 1fr; }
  .ftc-card-grid--featured { grid-template-columns: 1fr; }
  .ftc-hero__inner { gap: 2rem; }
  .ftc-hero__img { height: 280px; }
  .ftc-cta-band__actions { flex-direction: column; align-items: center; }

  .ftc-comp-row { grid-template-columns: 1fr 1fr; }
  .ftc-comp-row__payment, .ftc-comp-row__link { display: none; }
  .ftc-comp-row--head .ftc-comp-row > *:nth-child(3),
  .ftc-comp-row--head .ftc-comp-row > *:nth-child(5) { display: none; }

  .ftc-trust-bar__inner { gap: 1rem; }
  .ftc-trust-bar__banks { gap: 1rem; }
}
@media (max-width: 480px) {
  :root { --ftc-nav-h: 56px; }
  .ftc-team { grid-template-columns: 1fr; }
  .ftc-subhero__actions .ftc-btn { width: 100%; text-align: center; white-space: normal; }
  .ftc-auth-card { padding: 2rem 1.25rem; }
  .ftc-section { padding-block: 3.5rem; }
  .ftc-hero { padding-bottom: 3rem; }
  .ftc-subhero { padding-bottom: 3rem; }
  .ftc-steps { gap: 2rem; }
  .ftc-step { flex-direction: column; gap: 0.75rem; }
  .ftc-step__num { font-size: 2.5rem; min-width: auto; }
  .ftc-footer__grid { gap: 2rem; }
  .ftc-lenders { grid-template-columns: repeat(2, 1fr); }
}

/* ===== AGENT-3 ADDITIONS: alias rules + new components ===== */

/* SR-only (screen reader) */
.ftc-sr-only {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* Pricing toggle */
.ftc-pricing-toggle-wrap {
  display: flex;
  gap: 0;
  border: 2px solid var(--ftc-border-warm);
  border-radius: 999px;
  overflow: hidden;
  margin-inline: auto;
  width: fit-content;
  margin-top: 2rem;
  background: rgba(255,255,255,0.06);
}
.ftc-pricing-toggle-btn {
  padding: 0.55rem 1.5rem;
  font-family: var(--ftc-font-body);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ftc-cream-muted);
  background: transparent;
  border: none;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.ftc-pricing-toggle-btn.is-active {
  background: var(--ftc-cobalt);
  color: #fff;
}
.ftc-pricing-toggle-btn:not(.is-active):hover {
  background: rgba(255,255,255,0.08);
  color: var(--ftc-cream-primary);
}

/* Pricing badge */
.ftc-pricing-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  background: rgba(255,255,255,0.18);
  border-radius: 999px;
  padding: 0.1rem 0.5rem;
  letter-spacing: 0.03em;
}
.ftc-pricing-toggle-btn.is-active .ftc-pricing-badge {
  background: rgba(255,255,255,0.25);
}

/* Pricing grid (alias for existing ftc-pricing grid behavior) */
.ftc-pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  align-items: start;
}

/* Featured card variant (alias for --highlighted) */
.ftc-pricing-card--featured {
  border-color: var(--ftc-cobalt);
  box-shadow: 0 4px 20px rgba(46,95,168,0.15);
}

/* Pricing card sub-elements not previously styled */
.ftc-pricing-card__header {
  margin-bottom: 1.25rem;
}
.ftc-pricing-card__price-block {
  display: flex;
  align-items: flex-end;
  gap: 0.25rem;
  margin-bottom: 0.25rem;
}
.ftc-pricing-card__tagline {
  font-size: 0.85rem;
  color: var(--ftc-warm-mid);
  margin-top: 0.35rem;
}

/* Annual note below grid */
.ftc-pricing-annual-note {
  text-align: center;
  font-size: 0.82rem;
  color: var(--ftc-warm-mid);
  margin-top: 1.25rem;
  opacity: 0.85;
}

/* Included / excluded feature items */
.ftc-pricing-card__feature--included i {
  color: var(--ftc-cobalt);
}
.ftc-pricing-card__feature--excluded {
  opacity: 0.55;
}
.ftc-pricing-card__feature--excluded i {
  color: var(--ftc-warm-mid);
}

/* Subhero two-column layout elements */
.ftc-subhero__text {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-width: 0;
}
.ftc-subhero__visual {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 0;
}
.ftc-subhero__visual .ftc-subhero__img,
.ftc-subhero__visual img {
  width: 100%;
  border-radius: var(--ftc-radius-lg);
  aspect-ratio: 4/3;
  object-fit: cover;
}
.ftc-subhero__actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.ftc-subhero__stats {
  display: flex;
  gap: 2.5rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}
/* stat-val: alias for stat-num */
.ftc-subhero__stat-val {
  font-family: var(--ftc-font-heading);
  font-size: 2rem;
  font-weight: 700;
  color: var(--ftc-terracotta);
  display: block;
  line-height: 1.1;
  margin-bottom: 0.2rem;
}

/* Step detail aliases: __step mirrors __item */
.ftc-step-detail__step {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.ftc-step-detail__step--flip .ftc-step-detail__mock { order: -1; }
.ftc-step-detail__step--flip .ftc-form-mock { order: -1; }

/* Form mock aliases: __field mirrors __group */
.ftc-form-mock__field { display: flex; flex-direction: column; gap: 0.35rem; }
.ftc-form-mock__header {
  font-family: var(--ftc-font-heading);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--ftc-cobalt);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 0.25rem;
}

/* Slider aliases: mirror range-* rules */
.ftc-form-mock__slider-track {
  flex: 1;
  height: 4px;
  background: var(--ftc-border-warm);
  border-radius: 4px;
  position: relative;
}
.ftc-form-mock__slider-fill {
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 55%;
  background: var(--ftc-cobalt);
  border-radius: 4px;
}
.ftc-form-mock__slider-thumb {
  position: absolute;
  left: 55%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--ftc-cobalt);
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(46,95,168,0.35);
}
.ftc-form-mock__slider-val {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ftc-cobalt);
  white-space: nowrap;
}

/* Form mock result aliases */
.ftc-form-mock__result-val {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ftc-cobalt);
}

/* Trust pillars (how-it-works page) */
.ftc-trust-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 1rem;
}
.ftc-trust-pillar {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem 1.5rem;
  border: 1px solid var(--ftc-border-warm);
  text-align: center;
}
.ftc-trust-pillar__icon {
  font-size: 2rem;
  color: var(--ftc-terracotta-text);
  margin-bottom: 1rem;
}
.ftc-trust-pillar__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.05rem;
  color: var(--ftc-charcoal);
  margin-bottom: 0.5rem;
}
.ftc-trust-pillar__body {
  font-size: 0.9rem;
  color: var(--ftc-warm-mid);
  line-height: 1.7;
}

/* Team grid (alias for ftc-team) */
.ftc-team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}
/* Team avatar div wrapper (about.html uses ftc-team-card__avatar as div, not wrap) */
.ftc-team-card__avatar {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--ftc-bg-sand);
  border: 3px solid var(--ftc-border-warm);
}
/* Team photo img inside avatar div */
.ftc-team-card__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
}

/* Mission layout (alias for ftc-mission) */
.ftc-mission-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.ftc-mission__visual img,
.ftc-mission__visual .ftc-mission__img {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  border-radius: var(--ftc-radius-lg);
}
.ftc-mission__text {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.ftc-mission__pillars {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
}
.ftc-mission__pillar {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ftc-charcoal);
  background: var(--ftc-bg-parchment);
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  padding: 0.45rem 0.9rem;
}
.ftc-mission__pillar i { color: var(--ftc-terracotta-text); }

/* Funding block (alias for ftc-funding) */
.ftc-funding-block {
  background: var(--ftc-bg-sand);
  border-radius: var(--ftc-radius-lg);
  padding: 2.5rem;
  max-width: 800px;
}
.ftc-funding-block__text {
  display: flex;
  flex-direction: column;
}
.ftc-funding-block__body {
  color: var(--ftc-warm-mid);
  line-height: 1.8;
  font-size: 0.95rem;
}
.ftc-funding-block__stat-row {
  display: flex;
  gap: 2.5rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.ftc-funding-block__stat {
  display: flex;
  flex-direction: column;
}
.ftc-funding-block__stat-val {
  font-family: var(--ftc-font-heading);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  line-height: 1.2;
}
.ftc-funding-block__stat-label {
  font-size: 0.82rem;
  color: var(--ftc-warm-mid);
  margin-top: 0.2rem;
}

/* ---- CONTRAST FIXES ---- */
/* Fix 1: form-mock labels on dark section backgrounds */
.ftc-section--dark .ftc-form-mock__label,
.ftc-section--dark .ftc-form-mock__radio {
  color: var(--ftc-cream-muted);
}

/* Fix 2: step number on light background - terracotta #E07A5F fails at 2.58:1 on cream */
/* Applied at source: changed --ftc-terracotta to --ftc-terracotta-text in original rule above */

/* Auth form wrappers — JS hooks used by initAuthForms() to find and submit forms */
.ftc-auth-forgot-form,
.ftc-auth-login-form,
.ftc-auth-register-form {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* Subhero light variant (compare, eligibility, contact pages) */
.ftc-subhero--light {
  background: var(--ftc-bg-parchment);
}
.ftc-subhero__h1--dark {
  color: var(--ftc-charcoal);
}
.ftc-subhero__sub--dark {
  color: var(--ftc-warm-mid);
}
.ftc-section__eyebrow--dark {
  color: var(--ftc-terracotta-text);
}

/* Narrow inner wrapper (contact page) — single-column, resets base 2-col grid */
.ftc-subhero__inner--narrow {
  display: block;
  max-width: 640px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  padding-block: calc(var(--ftc-nav-h) + 3rem) 4rem;
}

/* Form mock card variant (on light subhero, compare/eligibility) */
.ftc-form-mock--card {
  background: var(--ftc-bg-warm-white);
  border-radius: var(--ftc-radius-lg);
  padding: 1.75rem 1.5rem;
  border: 1px solid var(--ftc-border-warm);
  box-shadow: 0 4px 24px rgba(30,21,16,0.1);
}
.ftc-form-mock--card .ftc-form-mock__header {
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--ftc-border-warm);
}

/* ftc-mock--light variant */
.ftc-mock--light {
  background: var(--ftc-bg-warm-white);
  border-color: var(--ftc-border-warm);
}

/* ---- RESPONSIVE: new alias classes ---- */
@media (max-width: 1024px) {
  .ftc-step-detail__step { grid-template-columns: 1fr; }
  .ftc-step-detail__step--flip .ftc-step-detail__mock { order: 0; }
  .ftc-step-detail__step--flip .ftc-form-mock { order: 0; }
  .ftc-mission-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .ftc-pricing-grid { grid-template-columns: 1fr; }
  .ftc-team-grid { grid-template-columns: repeat(2, 1fr); }
  .ftc-trust-pillars { grid-template-columns: 1fr; }
  .ftc-funding-block__stat-row { gap: 1.5rem; }
}
@media (max-width: 480px) {
  .ftc-team-grid { grid-template-columns: 1fr; }
  .ftc-trust-pillars { grid-template-columns: 1fr; }
  .ftc-pricing-toggle-wrap { flex-direction: column; border-radius: var(--ftc-radius); }
}

/* ===== AGENT-3 ADDITIONS: page-specific components ===== */

/* Radio active state for form mock */
.ftc-form-mock__radio--active {
  background: var(--ftc-cobalt);
  color: #fff;
  border-color: var(--ftc-cobalt);
}
.ftc-form-mock--card .ftc-form-mock__radio--active {
  background: var(--ftc-cobalt);
  color: #fff;
  border-color: var(--ftc-cobalt);
}

/* Lender grid (compare.html) */
.ftc-lender-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 1rem;
}
.ftc-lender-card {
  background: var(--ftc-bg-warm-white);
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  padding: 1.25rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  transition: box-shadow 0.2s;
}
.ftc-lender-card:hover {
  box-shadow: 0 2px 12px rgba(30,21,16,0.1);
}
.ftc-lender-card__name {
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
}
.ftc-lender-card__type {
  font-size: 0.8rem;
  color: var(--ftc-warm-mid);
  line-height: 1.4;
}

/* Coverage note (compare.html info disclaimer) */
.ftc-coverage-note {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-top: 2rem;
  padding: 1rem 1.25rem;
  background: var(--ftc-bg-parchment);
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  font-size: 0.82rem;
  color: var(--ftc-warm-mid);
  line-height: 1.65;
}
.ftc-coverage-note i {
  color: var(--ftc-terracotta-text);
  flex-shrink: 0;
  margin-top: 0.1rem;
}
.ftc-coverage-note p { margin: 0; }

/* Eligibility layout (eligibility.html) */
.ftc-eligibility-layout {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 4rem;
  align-items: start;
  margin-top: 1.5rem;
}
.ftc-eligibility-diagram {
  display: flex;
  justify-content: center;
  align-items: flex-start;
}
.ftc-eligibility-factors {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.ftc-factor {
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--ftc-border-warm);
}
.ftc-factor:last-child { border-bottom: none; }
.ftc-factor__title {
  font-family: var(--ftc-font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  margin-bottom: 0.35rem;
}
.ftc-factor__desc {
  font-size: 0.88rem;
  color: var(--ftc-warm-mid);
  line-height: 1.7;
  margin: 0;
}

/* Checklist in subhero text column (eligibility.html) */
.ftc-subhero__checklist {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.ftc-subhero__checklist li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.92rem;
  color: var(--ftc-warm-mid);
}
.ftc-subhero--light .ftc-subhero__checklist li {
  color: var(--ftc-warm-mid);
}
.ftc-subhero__checklist li i {
  color: var(--ftc-cobalt);
  flex-shrink: 0;
}

/* Contact form wrap (contact.html) */
.ftc-contact-form-wrap {
  display: flex;
  flex-direction: column;
}
.ftc-contact-form-wrap__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  margin-bottom: 1.75rem;
}

/* Contact form row and field aliases */
.ftc-contact-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.ftc-contact-form__field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  margin-bottom: 1rem;
}
.ftc-contact-form__footer-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 0.5rem;
}
.ftc-contact-form__privacy-check {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.83rem;
  color: var(--ftc-warm-mid);
  cursor: pointer;
  line-height: 1.5;
}
.ftc-contact-form__privacy-check input[type="checkbox"] {
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--ftc-cobalt);
}
.ftc-contact-form__privacy-check a {
  color: var(--ftc-cobalt);
  text-decoration: underline;
}

/* Contact info (contact.html) */
.ftc-contact-info {
  padding-top: 0.5rem;
}
.ftc-contact-info__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  margin-bottom: 1.75rem;
}
.ftc-contact-info__val {
  font-size: 0.92rem;
  color: var(--ftc-charcoal);
  line-height: 1.5;
  margin: 0;
}
.ftc-contact-info__link {
  color: var(--ftc-cobalt);
  text-decoration: none;
}
.ftc-contact-info__link:hover { text-decoration: underline; }
.ftc-contact-info__meta {
  font-size: 0.78rem;
  color: var(--ftc-warm-mid);
  margin: 0.15rem 0 0;
}
.ftc-contact-info__note {
  margin-top: 2rem;
  padding: 1rem 1.25rem;
  background: var(--ftc-bg-parchment);
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius);
  font-size: 0.8rem;
  color: var(--ftc-warm-mid);
  line-height: 1.65;
}
.ftc-contact-info__note p { margin: 0; }

/* Profile cards (for-buyers.html) */
.ftc-profile-card {
  background: var(--ftc-bg-warm-white);
  border: 1px solid var(--ftc-border-warm);
  border-radius: var(--ftc-radius-lg);
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s;
}
.ftc-profile-card:hover {
  box-shadow: 0 4px 20px rgba(30,21,16,0.1);
}
.ftc-profile-card--featured {
  border-color: var(--ftc-cobalt);
  box-shadow: 0 4px 20px rgba(46,95,168,0.12);
}
.ftc-profile-card__icon {
  width: 52px; height: 52px;
  border-radius: var(--ftc-radius);
  background: var(--ftc-bg-sand);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
  color: var(--ftc-terracotta-text);
}
.ftc-profile-card--featured .ftc-profile-card__icon {
  background: rgba(46,95,168,0.1);
  color: var(--ftc-cobalt);
}
.ftc-profile-card__title {
  font-family: var(--ftc-font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ftc-charcoal);
  margin-bottom: 0.75rem;
}
.ftc-profile-card__pain {
  font-size: 0.88rem;
  color: var(--ftc-warm-mid);
  line-height: 1.7;
  margin: 0;
}
.ftc-profile-card__divider {
  height: 1px;
  background: var(--ftc-border-warm);
  margin: 1.25rem 0;
}
.ftc-profile-card__answer {
  font-size: 0.88rem;
  color: var(--ftc-charcoal);
  line-height: 1.7;
  margin: 0;
  flex: 1;
}

/* ---- RESPONSIVE: page-specific components ---- */
@media (max-width: 1024px) {
  .ftc-eligibility-layout { grid-template-columns: 1fr; }
  .ftc-eligibility-diagram svg { max-width: 320px; }
}
@media (max-width: 768px) {
  .ftc-lender-grid { grid-template-columns: repeat(2, 1fr); }
  .ftc-contact-form__row { grid-template-columns: 1fr; }
  .ftc-contact-form__footer-row { flex-direction: column; align-items: flex-start; }
  .ftc-contact-form__footer-row .ftc-btn { width: 100%; text-align: center; }
}
@media (max-width: 480px) {
  .ftc-lender-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ---- CONTRAST FIXES (pixel-sweep corrections) ---- */
/* ftc-comp-row__rate on cream bg (ftc-mock--light): darken to pass WCAG AA */
.ftc-mock--light .ftc-comp-row__rate,
.ftc-mock--light .ftc-comp-row__rate:not(.ftc-mock--dark *) {
  color: #7A2818;
}
/* pricing badge (-22%) on dark toggle bg: use white for guaranteed contrast */
.ftc-pricing-badge {
  color: #fff;
}
.ftc-pricing-toggle-btn.is-active .ftc-pricing-badge {
  color: #fff;
}