/* TAG Private Lending pages */
.hero--lend { min-height: max(560px, 82svh); }
.hero--lend .lead { max-width: 56ch; }
.hero--lend::after { background: linear-gradient(180deg, rgba(8,10,12,.7) 0%, rgba(8,10,12,.45) 35%, rgba(8,10,12,.75) 70%, rgba(8,10,12,.95) 100%); }
.hero--lend .facts li { background: rgba(255,255,255,.12); color: var(--white); }
.lend-cols { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 4vw, 56px); margin-top: clamp(32px, 4vw, 48px); }
.lend-list { margin: 0; padding: 0; list-style: none; }
.lend-list li { position: relative; padding: 14px 0 14px 30px; border-top: 1px solid var(--line); font-size: 1.02rem; line-height: 1.5; }
.lend-list li:last-child { border-bottom: 1px solid var(--line); }
.lend-list li::before { position: absolute; left: 0; top: 14px; font-weight: 700; }
.lend-list.yes li::before { content: '\2713'; color: var(--teal); }
.lend-list.no li::before { content: '\2013'; color: var(--muted); }
.lend-list .h3 { margin-bottom: 10px; }
.plain { margin-top: clamp(40px, 5vw, 64px); padding: clamp(22px, 3vw, 34px); border-radius: var(--radius); background: var(--teal-soft); color: var(--ink); max-width: 820px; }
.plain .label { margin-bottom: 10px; }
.plain p { margin: 0; line-height: 1.6; max-width: 70ch; }
.timeline { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin: 34px 0 0; padding: 0; list-style: none; }
.timeline li { border-top: 2px solid var(--ink); padding-top: 14px; font-size: 15.5px; line-height: 1.5; color: var(--muted); }
.timeline li small { display: block; font-size: 12px; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--teal); margin-bottom: 8px; }
.timeline li b { display: block; color: var(--ink); font-weight: 600; font-size: 1.05rem; margin-bottom: 4px; }
.need { margin-top: clamp(36px, 5vw, 56px); display: grid; grid-template-columns: 1fr 1fr; gap: 24px 48px; }
.need ul { margin: 12px 0 0; padding-left: 18px; color: var(--muted); line-height: 1.6; }
.why { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px 48px; margin-top: clamp(32px, 4vw, 48px); }
.why article h3 { margin: 0 0 8px; }
.why article p { margin: 0; color: rgba(255,255,255,.74); line-height: 1.6; max-width: 48ch; }
.form--lend { grid-template-columns: 1fr 1fr 1fr; }
.form--lend .btn { grid-column: 1 / -1; justify-self: start; height: 56px; padding: 0 28px; font-size: 16px; }
.form .opt { display: block; font-weight: 400; letter-spacing: 0; text-transform: none; font-size: 13px; color: rgba(255,255,255,.55); }
.form input[type=file] { padding: 10px; font-size: 14px; }
.form input[type=file]::file-selector-button { font: inherit; font-weight: 600; color: var(--white); background: rgba(255,255,255,.14); border: 0; border-radius: 6px; padding: 8px 12px; margin-right: 12px; cursor: pointer; }
.form .pre { margin: 0; grid-column: 1 / -1; color: rgba(255,255,255,.74); font-size: 15px; line-height: 1.5; }
.terms { max-width: 880px; margin: 0 auto; padding: clamp(24px, 3vw, 36px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.terms ul { margin: 18px 0 0; padding-left: 20px; line-height: 1.65; color: var(--ink-2); }
.terms li + li { margin-top: 8px; }
.terms-note { margin: 18px 0 0; font-size: 14px; line-height: 1.6; color: var(--muted); }
.sticky-cta { display: none; }
.legal-lend { margin-top: 28px; }
@media (max-width: 860px) {
  .lend-cols, .need, .why, .form--lend { grid-template-columns: 1fr; }
  .timeline { grid-template-columns: 1fr; }
  .sticky-cta { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; padding: 10px var(--gut) calc(10px + env(safe-area-inset-bottom)); background: rgba(17,19,21,.94); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px); gap: 10px; }
  .sticky-cta .btn { flex: 1; justify-content: center; height: 48px; }
  .sticky-cta.is-hidden { display: none; }
  body { padding-bottom: 72px; }
}

/* shared lending pages: fact table, county cards, guide */
.glance { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: clamp(28px, 4vw, 64px); align-items: start; }
.glance .summary { font-size: 1.12rem; line-height: 1.65; color: var(--ink-2); margin: 0; }
.factsheet { margin: 0; border-top: 1px solid var(--line); }
.factsheet div { display: grid; grid-template-columns: 170px 1fr; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--line); }
.factsheet dt { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--teal); padding-top: 3px; }
.factsheet dd { margin: 0; line-height: 1.5; color: var(--ink-2); }
.updated { margin: 18px 0 0; font-size: 13px; color: var(--muted); }
.page-top { padding-top: calc(var(--head-h) + clamp(48px, 7vw, 96px)); }
.counties { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; margin-top: clamp(32px, 4vw, 48px); }
.county { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(22px, 3vw, 32px); }
.county h2 { margin: 0 0 10px; }
.county p { margin: 0 0 12px; line-height: 1.6; color: var(--ink-2); }
.county .towns { font-size: 15px; color: var(--muted); line-height: 1.6; margin: 0; }
.prose { max-width: 760px; }
.prose h2 { margin: clamp(48px, 6vw, 72px) 0 14px; }
.prose h3 { margin: 28px 0 8px; }
.prose p, .prose li { line-height: 1.7; color: var(--ink-2); font-size: 1.04rem; }
.prose ul, .prose ol { padding-left: 20px; }
.prose li + li { margin-top: 6px; }
.tablewrap { overflow-x: auto; margin: 20px 0 0; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.cmp { width: 100%; border-collapse: collapse; font-size: 15px; line-height: 1.5; min-width: 680px; }
.cmp th, .cmp td { text-align: left; vertical-align: top; padding: 12px 14px; border-bottom: 1px solid var(--line); }
.cmp thead th { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--teal); }
.cmp tbody th { font-weight: 600; color: var(--ink); }
.cmp tr:last-child td, .cmp tr:last-child th { border-bottom: 0; }
.glossary { margin: 16px 0 0; }
.glossary dt { font-weight: 600; color: var(--ink); margin-top: 16px; }
.glossary dd { margin: 4px 0 0; line-height: 1.65; color: var(--ink-2); }
.toc { margin: 24px 0 0; padding: 18px 22px; border-radius: var(--radius); background: var(--teal-soft); }
.toc ol { margin: 8px 0 0; padding-left: 20px; }
.toc a { color: var(--ink); }
.crumbs { font-size: 13px; color: var(--muted); margin: 0 0 18px; }
.crumbs a { color: inherit; }
@media (max-width: 860px) {
  .glance, .counties { grid-template-columns: 1fr; }
  .factsheet div { grid-template-columns: 1fr; gap: 4px; }
}

/* ---------- Oct 30 layout: simpler, step-first ---------- */
.lend-page .sec { padding: clamp(64px, 8vw, 112px) 0; }
.lend-page .sec--tight { padding-top: 0; }
.lend-page .h2 { font-size: clamp(1.9rem, 3.2vw, 2.8rem); }
.lend-page .lead { max-width: 58ch; }
.band { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.hero-note { list-style: none; padding: 0; margin: 20px 0 0; display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: 14.5px; color: rgba(255,255,255,.78); }
.hero-note li::before { content: '\2713'; color: #7ccbc5; font-weight: 700; margin-right: 8px; }
.start { list-style: none; padding: 0; margin: clamp(32px, 4vw, 44px) 0 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.start--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.start li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 26px 26px; display: flex; flex-direction: column; }
.start .n { width: 38px; height: 38px; border-radius: 50%; background: var(--ink); color: var(--white); display: grid; place-items: center; font-weight: 600; font-size: 15px; margin-bottom: 18px; }
.start h3 { margin: 0 0 8px; }
.start p { margin: 0; color: var(--ink-2); line-height: 1.55; font-size: 16px; }
.start .when { margin-top: auto; padding-top: 16px; font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--teal); }
.after { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; margin-top: 28px; }
.after p { margin: 0; color: var(--muted); font-size: 15px; max-width: 60ch; }
.stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: clamp(28px, 4vw, 40px); }
.stat { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 20px; background: var(--paper); }
.stat b { display: block; font-size: clamp(1.8rem, 2.8vw, 2.3rem); font-weight: 600; letter-spacing: -.02em; line-height: 1; }
.stat span { display: block; margin-top: 12px; font-weight: 600; font-size: 15px; }
.stat small { display: block; margin-top: 4px; color: var(--muted); font-size: 14.5px; line-height: 1.45; }
.intro { margin: 18px 0 0; max-width: 68ch; color: var(--ink-2); line-height: 1.65; }
.more { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 26px; font-size: 15px; font-weight: 600; }
.more a { color: var(--teal); text-decoration: none; }
.more a:hover { text-decoration: underline; }
.form .group { grid-column: 1 / -1; margin: 10px 0 0; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); font-size: 15px; font-weight: 600; color: var(--white); }
.form .group.first { margin-top: 0; padding-top: 0; border-top: 0; }
.form .group small { font-weight: 400; color: rgba(255,255,255,.55); margin-left: 8px; }
.form--two { grid-template-columns: 1fr 1fr; }
.why--light article p { color: var(--ink-2); }
.prose .h2 { font-size: clamp(1.6rem, 2.4vw, 2.1rem); }
@media (max-width: 1000px) { .start--4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 860px) {
  .start, .start--4, .stats, .form--two { grid-template-columns: 1fr; }
  .start li { padding: 22px 20px; }
  .start .n { width: 32px; height: 32px; margin-bottom: 12px; }
  .stat { display: grid; grid-template-columns: 8.2rem 1fr; gap: 2px 14px; align-items: baseline; padding: 16px 18px; }
  .stat b { font-size: 1.55rem; grid-row: span 2; }
  .stat span, .stat small { margin-top: 0; }
  .hero-note { flex-direction: column; gap: 6px; }
}

/* ---------- fixed, always readable header on lending pages ---------- */
.lend-page .head, .lend-page .head.is-solid { background: var(--paper); color: var(--ink); box-shadow: 0 1px 0 var(--line); -webkit-backdrop-filter: none; backdrop-filter: none; }
.lend-page .head .logo img { filter: none; }
.lend-page .nav a.is-current { color: var(--teal); }
.lend-page .nav a.is-current::after { transform: scaleX(1); }
.lend-page .head .login { margin-left: 8px; }
@media (min-width: 861px) and (max-width: 1100px) {
  .lend-page .nav { display: flex; gap: 18px; }
  .lend-page .nav a { font-size: 14px; }
  .lend-page .menu-btn { display: none; }
}
.ira-cols { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: clamp(28px, 4vw, 40px); }
.ira-cols div { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.ira-cols b { display: block; font-size: clamp(1.7rem, 2.6vw, 2.2rem); font-weight: 600; letter-spacing: -.02em; line-height: 1; }
.ira-cols span { display: block; margin-top: 10px; font-weight: 600; }
.ira-cols p { margin: 6px 0 0; color: var(--ink-2); font-size: 15.5px; line-height: 1.55; }
.ira-cols .on { border-color: var(--teal); box-shadow: inset 0 0 0 1px var(--teal); }
.note-box { margin-top: 24px; padding: 20px 22px; border-radius: var(--radius); background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); color: rgba(255,255,255,.82); line-height: 1.6; max-width: 820px; }
.note-box b { color: var(--white); }
@media (max-width: 860px) { .ira-cols { grid-template-columns: 1fr; } }