/* Owed Interest — one-page site. System fonts only; no analytics or third-party requests. */
:root {
  --ink: #13241f;
  --forest: #1b3d34;
  --forest-deep: #0c1a16;
  --brass: #8a6a3b;
  --brass-dark: #6c522d;
  --cream: #f5f0e7;
  --paper: #fffdf8;
  --card: #fffcf7;
  --rule: #d8d0c3;
  --muted: #5b564d;
  --soft: #e7efe9;
  --focus: #1b3d34;
  --max: 68rem;
  --read: 40rem;
  --space: 1.25rem;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--forest); text-underline-offset: 0.15em; }
a:hover { color: var(--brass-dark); }
a:focus-visible, button:focus-visible, summary:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
}

.skip {
  position: absolute;
  left: 0.75rem;
  top: -3rem;
  background: var(--forest-deep);
  color: #fff;
  padding: 0.5rem 0.85rem;
  z-index: 100;
}
.skip:focus { top: 0.75rem; }

.wrap {
  width: min(var(--max), calc(100% - 2rem));
  margin-inline: auto;
}

/* Header */
header.site {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 20;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  text-decoration: none;
  color: var(--forest-deep);
  font-weight: 650;
  letter-spacing: -0.02em;
  font-size: 1.05rem;
}
.brand:hover { color: var(--forest); }
.mark {
  width: 2rem;
  height: 2rem;
  flex: none;
}
nav.primary {
  display: flex;
  flex-wrap: wrap;
  gap: 0.15rem 1.1rem;
  justify-content: flex-end;
}
nav.primary a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
}
nav.primary a:hover { color: var(--brass-dark); text-decoration: underline; }
nav.primary a.cta-nav {
  background: var(--forest);
  color: #fff;
  padding: 0.4rem 0.8rem;
  border-radius: 999px;
  text-decoration: none;
}
nav.primary a.cta-nav:hover { background: var(--forest-deep); color: #fff; }

/* Hero */
.hero {
  background:
    linear-gradient(180deg, var(--paper) 0%, var(--cream) 100%);
  padding: 3.5rem 0 3rem;
  border-bottom: 1px solid var(--rule);
}
.hero h1 {
  font-family: Georgia, "Iowan Old Style", "Palatino Linotype", Palatino, "Times New Roman", serif;
  font-weight: 600;
  font-size: clamp(1.85rem, 3.6vw, 2.85rem);
  line-height: 1.22;
  letter-spacing: -0.025em;
  max-width: 18ch;
  margin: 0 0 1rem;
  color: var(--forest-deep);
}
.hero .sub {
  max-width: 40rem;
  font-size: 1.15rem;
  color: var(--muted);
  margin: 0 0 1.75rem;
}
.actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.75rem 1.2rem;
  border-radius: 0.4rem;
  text-decoration: none;
  font-weight: 600;
  font-size: 1rem;
  min-height: 2.75rem;
  border: 1px solid transparent;
}
.btn-primary { background: var(--forest); color: #fff; }
.btn-primary:hover { background: var(--forest-deep); color: #fff; }
.btn-secondary { background: transparent; color: var(--forest); border-color: var(--rule); }
.btn-secondary:hover { border-color: var(--forest); color: var(--forest-deep); }

.kicker {
  display: inline-block;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 650;
  color: var(--brass-dark);
  margin: 0 0 0.85rem;
}

/* Sections */
section { padding: 3.25rem 0; }
section + section { border-top: 1px solid var(--rule); }
h2 {
  font-family: Georgia, "Iowan Old Style", Palatino, "Times New Roman", serif;
  font-weight: 600;
  font-size: clamp(1.55rem, 2.4vw, 2rem);
  letter-spacing: -0.02em;
  margin: 0 0 1.4rem;
  color: var(--forest-deep);
}
h3 {
  font-size: 1.1rem;
  margin: 0 0 0.4rem;
  color: var(--forest-deep);
}
p { margin: 0 0 1rem; }
.lede, .prose { max-width: var(--read); }
.prose p:last-child { margin-bottom: 0; }

/* How it works */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.step {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 0.75rem;
  padding: 1.35rem 1.25rem 1.4rem;
}
.num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.85rem;
  height: 1.85rem;
  border-radius: 999px;
  background: var(--soft);
  color: var(--forest);
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 0.7rem;
}
.step p { margin: 0; color: var(--muted); }

/* Fees */
.fees-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  align-items: stretch;
}
.fee-highlight {
  background: var(--forest);
  color: #f4efe6;
  border-radius: 0.85rem;
  padding: 1.6rem 1.5rem;
}
.fee-highlight .split {
  display: flex;
  gap: 1.25rem;
  margin: 0.4rem 0 1rem;
}
.fee-highlight strong {
  display: block;
  font-family: Georgia, "Iowan Old Style", Palatino, serif;
  font-size: clamp(2.2rem, 5vw, 3.2rem);
  letter-spacing: -0.03em;
  line-height: 1;
  color: #fff;
}
.fee-highlight span { font-size: 0.95rem; opacity: 0.9; }
.fee-highlight p { margin: 0; }
.fee-list {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 0.85rem;
  padding: 1.4rem 1.5rem 1.2rem;
}
.fee-list ul { margin: 0; padding: 0; list-style: none; }
.fee-list li {
  padding: 0.65rem 0;
  border-bottom: 1px solid var(--rule);
}
.fee-list li:last-child { border-bottom: 0; }

/* Claim / legal info */
.bands {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.85rem;
  margin: 1.25rem 0 1.4rem;
}
.band {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 0.65rem;
  padding: 1rem 1rem 0.95rem;
  text-align: center;
}
.band strong {
  display: block;
  font-family: Georgia, "Iowan Old Style", Palatino, serif;
  font-size: 1.8rem;
  color: var(--forest);
  letter-spacing: -0.03em;
}
.band span { font-size: 0.9rem; color: var(--muted); }
.note {
  font-size: 0.95rem;
  color: var(--muted);
  max-width: var(--read);
}

/* FAQ */
.faq { max-width: 48rem; }
details {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 0.55rem;
  padding: 0;
  margin: 0 0 0.6rem;
}
details[open] { border-color: #c9c0b2; }
summary {
  cursor: pointer;
  font-weight: 600;
  padding: 0.9rem 1.1rem;
  list-style: none;
}
summary::-webkit-details-marker { display: none; }
summary::after {
  content: "+";
  float: right;
  color: var(--brass-dark);
  font-weight: 500;
  font-size: 1.2rem;
  line-height: 1;
}
details[open] summary::after { content: "–"; }
.faq details p {
  margin: 0;
  padding: 0 1.1rem 1rem;
  color: var(--muted);
}

/* Contact */
.contact-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 0.85rem;
  padding: 1.5rem;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 1.5rem;
}
.contact-card dl { margin: 0; }
.contact-card dt {
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 650;
  color: var(--brass-dark);
  margin: 0.85rem 0 0.15rem;
}
.contact-card dt:first-child { margin-top: 0; }
.contact-card dd { margin: 0; }
.aside {
  background: var(--soft);
  border-radius: 0.65rem;
  padding: 1.15rem 1.2rem;
}
.aside h3 { margin-top: 0; }
.aside p { color: var(--muted); }

/* Privacy */
#privacy, .privacy-page .privacy-body {
  max-width: 44rem;
}
#privacy h3, .privacy-body h3 {
  margin-top: 1.6rem;
}
#privacy ul, .privacy-body ul { padding-left: 1.2rem; }
.ico-soon {
  background: #f3ead8;
  border-left: 3px solid var(--brass);
  padding: 0.7rem 0.9rem;
  margin: 1rem 0;
}

/* Footer */
footer.site {
  background: var(--forest-deep);
  color: #d7ddd9;
  padding: 2rem 0 2.2rem;
  font-size: 0.95rem;
}
footer.site a { color: #f4efe6; }
footer.site p { margin: 0 0 0.7rem; }
footer.site .links { margin-top: 1rem; color: #b7c0bb; }

/* Privacy page hero-less top */
.page-intro { padding: 2.4rem 0 0; }
.page-intro h1 {
  font-family: Georgia, "Iowan Old Style", Palatino, serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  letter-spacing: -0.02em;
  margin: 0 0 0.5rem;
  color: var(--forest-deep);
}

@media (max-width: 800px) {
  .steps, .fees-grid, .bands, .contact-card { grid-template-columns: 1fr; }
  .hero { padding: 2.4rem 0 2.2rem; }
  section { padding: 2.4rem 0; }
  nav.primary { gap: 0.35rem 0.85rem; }
  .header-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 560px) {
  nav.primary a.cta-nav { width: 100%; text-align: center; }
  .fee-highlight .split { flex-direction: column; gap: 0.75rem; }
}