:root{
  --bg:#F6F3EF;--card:#FFFFFF;--ink:#1E1A17;--text:#2D2724;--muted:#5E5550;
  --iron:#4C3428;--iron-deep:#33221A;--ember:#FF8C42;--ember-hot:#FF9D5C;
  --accent:#4C3428;--accent-deep:#33221A;--accent-tint:#FFEBDC;
  --tint1:#FFEBDC;--tint2:#EDE4DC;--line:#E3DBD3;
  --foot-bg:#241913;--foot-text:#EADFD6;--foot-link:#FFA466;
  --fd:"Familjen Grotesk","Arial Narrow",system-ui,sans-serif;
  --fb:"Sofia Sans",system-ui,sans-serif;
  --r:14px;--gut:16px;--wrap:1120px
}
:root{--card-max:840px;--cta-text:#1E1A17}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:1.0625rem;line-height:1.6;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--iron);text-underline-offset:3px}
a:hover{color:var(--iron-deep)}
:focus-visible{outline:3px solid var(--iron);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-family:var(--fd);color:var(--ink);margin:0;letter-spacing:-.01em}
h2{font-size:clamp(1.55rem,3.6vw,2.25rem);line-height:1.1;font-weight:700}
h3{font-size:1.125rem;line-height:1.25;font-weight:600}
p{margin:0}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-999px;top:8px;z-index:99;background:var(--card);color:var(--ink);padding:8px 14px;border-radius:8px}
.skip:focus{left:8px}
.kicker{font-family:var(--fd);font-weight:600;font-size:.8125rem;letter-spacing:.12em;text-transform:uppercase;color:var(--iron);margin:0 0 10px;display:flex;align-items:center;gap:10px}
.kicker::before{content:"";width:28px;height:3px;border-radius:2px;background:linear-gradient(90deg,var(--iron) 0 40%,var(--ember) 40% 70%,var(--iron) 70%)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:12px 26px;border-radius:999px;font-family:var(--fd);font-weight:700;font-size:1.0625rem;text-decoration:none;cursor:pointer;transition:box-shadow .2s,background-color .2s,transform .2s}
.btn-ember,.btn-primary{background:var(--ember);color:var(--ink);border:0;border-bottom:2px solid var(--iron-deep);box-shadow:0 10px 24px -12px rgba(255,140,66,.75)}
.btn-ember:hover,.btn-primary:hover{background:var(--ember-hot);color:var(--ink);box-shadow:0 14px 30px -10px rgba(255,140,66,.95);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--iron);border:2px solid var(--iron)}
.btn-ghost:hover{background:var(--iron);color:#fff}

/* header */
.mast{position:relative;z-index:20;background:var(--bg)}
.mast::before{content:"";display:block;height:3px;background:linear-gradient(90deg,var(--iron) 0,var(--iron) calc(50% - 44px),var(--ember) calc(50% - 44px),var(--ember) calc(50% + 44px),var(--iron) calc(50% + 44px))}
.mast-in{display:grid;grid-template-columns:auto 1fr auto;align-items:center;min-height:56px;gap:16px}
.brand{grid-column:1;grid-row:1;display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand .mark{width:30px;height:30px;flex:none}
.wm{font-family:var(--fd);font-weight:700;font-size:1.375rem;letter-spacing:-.015em;color:var(--ink);line-height:1}
.wm b{font-weight:500;color:var(--iron);background:linear-gradient(var(--ember),var(--ember)) 0 100%/100% 2px no-repeat;padding-bottom:3px}
.nav{grid-column:3;grid-row:1;display:flex;align-items:center;gap:6px}
.nav a{font-size:.9375rem;font-weight:500;color:var(--muted);text-decoration:none;padding:8px 6px;display:inline-flex;align-items:center;gap:12px}
.nav a+a::before{content:"";width:4px;height:4px;border-radius:50%;background:var(--line);box-shadow:0 0 0 1px #CFC4BA}
.nav a:hover{color:var(--iron)}
.nb{display:none;grid-column:3;grid-row:1;width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:var(--card);cursor:pointer;padding:0;flex-direction:column;align-items:center;justify-content:center;gap:4px}
.nb span{display:block;width:20px;height:3px;border-radius:2px;background:var(--iron)}
.nb span:nth-child(2){width:14px;height:2px;background:var(--ember)}
@media (max-width:860px){
  .nb{display:inline-flex}
  .nav{display:none;position:absolute;top:calc(100% + 4px);right:var(--gut);flex-direction:column;align-items:stretch;gap:0;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:6px;min-width:200px;box-shadow:0 18px 40px -18px rgba(36,25,19,.35)}
  .nav.open{display:flex}
  .nav a{padding:12px 14px}
  .nav a+a{border-top:1px solid var(--line)}
  .nav a+a::before{display:none}
}
/* hero: inset hearth window + card resting on its seam */
.hero{position:relative;padding:8px 0 44px}
.hearth{position:relative;margin:0 8px;border-radius:20px;overflow:hidden;background:var(--iron-deep);padding:16px var(--gut) 124px;isolation:isolate}
.hearth-photo,.hearth-photo img{position:absolute;inset:0;width:100%;height:100%}
.hearth-photo{z-index:-2}
.hearth-photo img{object-fit:cover;object-position:50% 40%;filter:sepia(.28) saturate(1.08) brightness(.96)}
.hearth::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(36,25,19,.42) 0%,rgba(36,25,19,0) 38%,rgba(76,52,40,.32) 66%,rgba(51,34,26,.88) 100%)}
.hearth::before{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;z-index:1;background:linear-gradient(90deg,rgba(255,140,66,0) 0,rgba(255,140,66,.9) 30%,var(--ember-hot) 50%,rgba(255,140,66,.9) 70%,rgba(255,140,66,0) 100%);box-shadow:0 0 14px 2px rgba(255,140,66,.55)}
.eyebrow{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:4px 10px;width:max-content;max-width:100%;margin:0 auto;padding:7px 14px;border-radius:999px;background:rgba(30,26,23,.62);border:1px solid rgba(255,235,220,.22);color:#fff;font-family:var(--fd);font-weight:600;font-size:.8125rem;letter-spacing:.02em;line-height:1.3;text-align:center;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}
.eyebrow i{width:5px;height:5px;border-radius:50%;background:var(--ember);flex:none}
.hero-col{position:relative;margin-top:-78px;display:flex;flex-direction:column;align-items:center;text-align:center}
.coalbed{position:relative;width:100%}
.coalbed::before{content:"";position:absolute;left:10%;right:10%;bottom:-14px;height:55%;z-index:0;border-radius:50%;background:radial-gradient(ellipse at 50% 100%,rgba(255,140,66,.6) 0,rgba(255,140,66,.18) 45%,rgba(255,140,66,0) 72%);filter:blur(16px);pointer-events:none}
.form-card{position:relative;z-index:1;width:100%;max-width:var(--card-max);margin:0 auto;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 14px;box-shadow:0 2px 6px rgba(30,26,23,.06),0 24px 44px -24px rgba(255,140,66,.55)}
.form-card__head{margin:0 0 10px}
.form-card__head h2{font-size:1.375rem;line-height:1.15}
.form-card__head p{color:var(--muted);font-size:.9375rem;margin-top:4px}
.form-card__trust{color:var(--muted);font-size:.8125rem;margin-top:10px}
.rivets{list-style:none;margin:26px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,auto));justify-content:center;gap:10px 22px;text-align:left}
.rivets li{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.9375rem;color:var(--ink)}
.rivets svg{width:20px;height:20px;flex:none}
.hero h1{margin-top:28px;max-width:21ch;font-size:clamp(1.75rem,5.4vw,2.75rem);line-height:1.05;font-weight:700}
.seam{display:block;width:72px;height:3px;border-radius:2px;margin:16px auto 0;background:linear-gradient(90deg,var(--iron) 0 34%,var(--ember) 34% 66%,var(--iron) 66%);box-shadow:0 0 10px rgba(255,140,66,.45)}
.hero .sub{margin-top:14px;max-width:38rem;color:var(--muted);font-size:1.0625rem}
@media (min-width:601px){
  .hearth{margin:0 12px;padding:20px var(--gut) 120px}
  .hearth-photo img{object-position:50% 42%}
  .hero-col{margin-top:-100px}
}
@media (min-width:900px){
  .hearth{padding:26px var(--gut) 200px;border-radius:24px;max-width:1440px;margin:0 auto;width:calc(100% - 24px)}
  .hero-col{margin-top:-108px}
  .rivets{grid-template-columns:repeat(4,auto);gap:10px 0}
  .rivets li{padding:0 18px}
  .rivets li+li{border-left:1px solid var(--line)}
}
@media (max-width:600px){
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none}
  .coalbed::before{left:4%;right:4%}
}
@media (max-width:480px){.eyebrow i:nth-of-type(2){display:none}.eyebrow span:last-child{flex-basis:100%}.eyebrow{padding:7px 16px;border-radius:16px}}
/* recognition: staggered ingot fragments */
.ingots{background:var(--tint1);padding:56px 0 60px;border-top:1px solid #F6D9C2;border-bottom:1px solid #F6D9C2}
.ingots h2{max-width:22ch}
.ingot-list{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:12px}
.ingot-list li{position:relative;background:var(--card);border-radius:6px 12px 12px 6px;border-left:6px solid var(--iron);padding:14px 18px;font-family:var(--fd);font-weight:600;font-size:1.0625rem;line-height:1.3;color:var(--ink);box-shadow:0 1px 0 var(--line),0 10px 22px -18px rgba(51,34,26,.45)}
.ingot-list li:nth-child(even){margin-left:22px;border-left-color:var(--iron-deep)}
.ingot-list li:nth-child(3){border-left-color:var(--ember)}
.ingot-close{margin-top:30px;display:flex;flex-direction:column;align-items:flex-start;gap:16px;color:var(--text);max-width:40rem}
@media (min-width:760px){
  .ingot-list{grid-template-columns:1fr 1fr;column-gap:18px;row-gap:14px;padding-bottom:26px}
  .ingot-list li:nth-child(even){margin-left:0;transform:translateY(26px)}
  .ingot-close{flex-direction:row;align-items:center;justify-content:space-between;max-width:none;gap:24px;margin-top:34px}
  .ingot-close p{max-width:36rem}
}

/* how it works: three heat steps on a cooling seam */
.heat{padding:64px 0;background:var(--tint2)}
.heat-in{display:grid;gap:32px}
.heat-intro p.lead{margin-top:12px;color:var(--muted);max-width:30rem}
.heat-art{margin-top:26px;width:100%;max-width:420px;height:auto;display:none;border-radius:16px;box-shadow:0 18px 36px -24px rgba(51,34,26,.6)}
.steps{list-style:none;margin:0;padding:0;position:relative;display:grid;gap:26px}
.steps::before{content:"";position:absolute;left:21px;top:22px;bottom:22px;width:3px;border-radius:2px;background:linear-gradient(180deg,var(--ember) 0,#C9744A 45%,var(--iron) 100%)}
.steps li{position:relative;display:grid;grid-template-columns:44px 1fr;gap:16px;align-items:start}
.chip{position:relative;z-index:1;width:44px;height:44px;border-radius:11px;background:var(--iron);color:#fff;font-family:var(--fd);font-weight:700;font-size:1.25rem;display:grid;place-items:center;box-shadow:inset 0 -3px 0 var(--ember),0 8px 18px -6px rgba(255,140,66,.7)}
.steps li:nth-child(2) .chip{box-shadow:inset 0 -3px 0 #E88A55,0 6px 14px -8px rgba(255,140,66,.45)}
.steps li:nth-child(3) .chip{background:var(--iron-deep);box-shadow:inset 0 -3px 0 #8A6450}
.steps h3{padding-top:2px}
.steps p{margin-top:4px;color:var(--muted)}
@media (min-width:900px){
  .heat-in{grid-template-columns:5fr 6fr;gap:64px;align-items:center}
  .heat-art{display:block}
}

/* photo band */
.slab{position:relative;margin:0 8px;border-radius:20px;overflow:hidden;isolation:isolate;background:var(--iron-deep)}
.slab-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;filter:sepia(.35)}
.slab::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(36,25,19,.9) 0,rgba(51,34,26,.78) 55%,rgba(51,34,26,.5) 100%)}
.slab-in{padding-top:64px;padding-bottom:64px}
.slab-text{border-left:3px solid var(--ember);padding-left:18px;max-width:34rem;box-shadow:-8px 0 16px -12px rgba(255,140,66,.8)}
.slab h2{color:#fff;font-size:clamp(1.6rem,4vw,2.4rem)}
.slab p{color:#F1E6DD;margin-top:12px}
@media (min-width:601px){.slab{margin:0 12px}}
@media (min-width:900px){.slab{max-width:1440px;margin:0 auto;width:calc(100% - 24px);border-radius:24px}.slab-in{padding-top:96px;padding-bottom:96px}}

/* why: iron chips divided by seams */
.why{padding:68px 0 56px}
.why h2{max-width:24ch}
.why-grid{margin-top:30px;display:grid}
.why-item{padding:22px 0;display:grid;align-content:start;grid-template-columns:48px 1fr;gap:16px;align-items:start}
.why-item+.why-item{border-top:2px solid transparent;border-image:linear-gradient(90deg,var(--iron) 0,var(--ember) 18%,var(--line) 40%) 1}
.why-chip{width:48px;height:48px;border-radius:12px;background:var(--iron);display:grid;place-items:center}
.why-chip svg{width:26px;height:26px}
.why-item p{margin-top:6px;color:var(--muted)}
@media (min-width:860px){
  .why-grid{grid-template-columns:repeat(3,1fr)}
  .why-item{grid-template-columns:1fr;padding:6px 28px 6px 28px}
  .why-item:first-child{padding-left:0}
  .why-item+.why-item{border-top:0;border-left:2px solid transparent;border-image:linear-gradient(180deg,var(--ember) 0,var(--iron) 35%,var(--line) 100%) 1}
}
/* FAQ: seam accordion */
.faq{padding:24px 0 72px}
.faq-in{display:grid;gap:26px}
.faq-list{display:grid;gap:10px}
.faq details{position:relative;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.faq details[open]{border-color:#E9CDB8;box-shadow:0 14px 30px -24px rgba(255,140,66,.8)}
.faq details[open]::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--ember);box-shadow:0 0 10px rgba(255,140,66,.7)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 18px;font-family:var(--fd);font-weight:600;font-size:1.0625rem;line-height:1.3;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:22px;height:22px;border-radius:50%;border:2px solid var(--iron);background:linear-gradient(var(--iron),var(--iron)) 50% 50%/10px 2px no-repeat,linear-gradient(var(--iron),var(--iron)) 50% 50%/2px 10px no-repeat;transition:background-color .2s,border-color .2s}
.faq details[open] summary::after{background:linear-gradient(var(--ink),var(--ink)) 50% 50%/10px 2px no-repeat,var(--ember);border-color:var(--iron-deep)}
.faq summary:hover{background:#FBF8F5}
.ans{background:var(--tint1);padding:14px 18px 16px;border-top:1px solid #F6D9C2}
.ans p{color:var(--text)}
@media (min-width:900px){.faq-in{grid-template-columns:4fr 7fr;gap:56px;align-items:start}.faq-head{position:sticky;top:24px}}
.faq-head p{margin-top:12px;color:var(--muted)}

/* closing band with ridge + ember-gap art */
.close{position:relative;background:var(--iron-deep);color:#F1E6DD;overflow:hidden;padding:64px 0 0;text-align:center}
.close-in{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;gap:14px}
.close h2{color:#fff;max-width:20ch}
.close p{max-width:34rem}
.close .btn{margin-top:8px}
.close-art{width:100%;height:auto;margin-top:36px}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:44px 0 36px;border-top:3px solid var(--iron)}
.foot a{color:var(--foot-link)}
.foot a:hover{color:#FFC199}
.foot-top{display:grid;gap:18px;padding-bottom:24px;margin-bottom:22px;border-bottom:1px solid rgba(234,223,214,.16)}
.foot .brand{color:#fff}
.foot .wm{color:#fff}
.foot .wm b{color:#F0DCCD}
.foot-line{margin-top:12px;max-width:34rem;font-size:.9375rem;color:var(--foot-text)}
.foot-mail{font-weight:600;align-self:start}
@media (min-width:760px){.foot-top{grid-template-columns:1fr auto;align-items:start}}
.legal-links{margin-bottom:20px}
.legal-links a{color:var(--foot-link);font-size:.9375rem;text-decoration:none}
.legal-links a:hover{text-decoration:underline;color:#FFC199}
.disc p{color:var(--foot-text);margin:0 0 10px}
.disc b{color:#fff}
.disc a{color:var(--foot-link)}

/* legal / subpages */
.sub main{padding:40px 0 64px}
.prose{max-width:720px}
.prose h1{font-size:clamp(1.9rem,5vw,2.6rem);line-height:1.08;font-weight:700;padding-bottom:14px;margin-bottom:10px;background:linear-gradient(90deg,var(--iron) 0 26px,var(--ember) 26px 58px,var(--iron) 58px 84px) 0 100%/84px 3px no-repeat}
.prose p.updated{color:var(--muted);font-size:.875rem;margin:0 0 22px}
.prose h2{font-size:1.375rem;margin:34px 0 10px}
.prose h3{margin:22px 0 8px}
.prose p{margin:0 0 14px;color:var(--text)}
.prose strong{color:var(--ink)}
.prose ul{margin:0 0 16px;padding-left:22px}
.prose ul>li{margin:0 0 8px}
.prose ul>li::marker{color:var(--iron)}
.prose a{color:var(--iron);font-weight:600}
.prose a.btn.btn-primary{color:var(--ink);text-decoration:none;margin:6px 10px 6px 0}
.prose a.btn.btn-ghost{color:var(--iron);text-decoration:none;margin:6px 10px 6px 0}
.prose a.btn.btn-ghost:hover{color:#fff}

/* form at top of first screen */
.hearth{padding-bottom:96px!important}
@media (min-width:861px){.hearth{padding-bottom:110px!important}}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}