/* drb -- site.css
   Purpose: The whole Deposit Release Bonds look. Palette taken from the logo -
            bronze #4F4128 and gold #D8AF59 on warm white. Headings in Outfit
            (self-hosted, OFL), body in the system stack. No CDN, no framework.
   Version: 1.4  (2026-09-27 15:00:00)
   Changelog (newest first):
     1.4 2026-09-27 15:00:00  Apply Now! button - new .btn-apply in safety orange #C73E0A with
                              white bold text, a raised edge and glow, replacing gold on every
                              apply button. Header and call to action band variants. Buttons
                              now animate lift and shadow on hover.
     1.3 2026-09-27 12:00:00  Construction imagery. Faded, bronze-toned photos behind the
                              home hero, the inner page headers and the call to action
                              band, plus case study and example card images. All from
                              img/comps - watermarked iStock comps until they are licensed.
     1.2 2026-09-26 18:30:00  Header logo 72px (54px on phones), header 96px tall.
                              Case study styles - .case, .case-figs, .case-save.
     1.1 2026-09-26 17:30:00  Cookie banner styles removed with the popup. Added
                              .rate-note for the premium versus mezzanine line and
                              .hero-ticks for the home page selling points.
     1.0 2026-09-26 16:30:00  Initial. */

@font-face {
  font-family: "Outfit";
  src: url("fonts/outfit-var.woff2") format("woff2");
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}

:root {
  --ink:       #2b2418;
  --bronze:    #4f4128;
  --bronze-2:  #3d321f;
  --gold:      #d8af59;
  --gold-2:    #c99d44;
  --gold-soft: #f4e8cc;
  --apply:     #c73e0a;
  --apply-2:   #a83308;
  --apply-3:   #7a2405;
  --cream:     #faf7f1;
  --line:      #e7dfcf;
  --muted:     #6e6452;
  --white:     #ffffff;
  --ok:        #2f6b3f;
  --err:       #9b2c2c;
  --radius:    10px;
  --wrap:      1120px;
  --head:      "Outfit", "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
  --body:      system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--body); font-size: 17px; line-height: 1.65; color: var(--ink); background: var(--white); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--bronze); text-decoration-color: var(--gold); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

h1, h2, h3, h4 { font-family: var(--head); color: var(--bronze); line-height: 1.15; margin: 0 0 .6em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.15rem); font-weight: 700; }
h2 { font-size: clamp(1.55rem, 2.8vw, 2.15rem); font-weight: 700; }
h3 { font-size: 1.22rem; font-weight: 600; }
p  { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: .35em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 12px; top: 12px; background: var(--white); padding: 8px 12px; z-index: 100; }

/* ---------- header ---------- */
.site-head { position: sticky; top: 0; z-index: 50; background: var(--white); border-bottom: 1px solid var(--line); }
.site-head .wrap { display: flex; align-items: center; gap: 20px; min-height: 96px; }
.brand img { height: 72px; width: auto; }
.nav { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.nav a { font-family: var(--head); font-weight: 500; font-size: .98rem; color: var(--bronze); text-decoration: none; padding: 8px 11px; border-radius: 8px; white-space: nowrap; }
.nav a:hover { background: var(--cream); }
.nav a.on { color: var(--ink); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.nav-toggle { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 8px; padding: 8px 12px; font-size: 1rem; color: var(--bronze); cursor: pointer; font-family: var(--head); }

/* ---------- buttons ---------- */
.btn { display: inline-block; font-family: var(--head); font-weight: 600; font-size: 1rem; line-height: 1; padding: 15px 22px; border-radius: 999px; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .15s ease, color .15s ease, border-color .15s ease, transform .15s ease, box-shadow .15s ease; }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: var(--gold-2); color: var(--ink); }
.btn-bronze { background: var(--bronze); color: var(--white); }
.btn-bronze:hover { background: var(--bronze-2); color: var(--white); }
.btn-line { border-color: var(--bronze); color: var(--bronze); background: transparent; }
.btn-line:hover { background: var(--bronze); color: var(--white); }
/* Apply Now! - the one strong call to action. Safety orange with white text
   (5.1:1 contrast), heavier type, a raised edge and a soft glow. */
.btn-apply { background: var(--apply); color: var(--white); font-weight: 700; font-size: 1.08rem; letter-spacing: .02em; padding: 16px 30px; box-shadow: 0 3px 0 var(--apply-3), 0 8px 20px rgba(199,62,10,.35); }
.btn-apply:hover, .btn-apply:focus-visible { background: var(--apply-2); color: var(--white); transform: translateY(-1px); box-shadow: 0 4px 0 var(--apply-3), 0 12px 26px rgba(199,62,10,.45); }
.btn-apply:active { transform: translateY(2px); box-shadow: 0 1px 0 var(--apply-3), 0 4px 10px rgba(199,62,10,.3); }
.nav a.btn-apply { color: var(--white); font-weight: 700; font-size: 1rem; padding: 13px 22px; }
.nav a.btn-apply:hover { background: var(--apply-2); color: var(--white); }
.cta-band .btn-apply { box-shadow: 0 3px 0 var(--apply-3), 0 0 0 3px rgba(255,255,255,.25), 0 10px 24px rgba(0,0,0,.35); }
.nav .btn { margin-left: 8px; padding: 12px 18px; border-radius: 999px; }
.nav .btn:hover { background: var(--gold-2); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }

/* ---------- hero ---------- */
.hero { background: var(--cream); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: 1.35fr .65fr; gap: 40px; align-items: center; padding-top: 64px; padding-bottom: 64px; }
.hero .kicker { font-family: var(--head); font-weight: 600; text-transform: uppercase; letter-spacing: .14em; font-size: .8rem; color: var(--gold-2); margin-bottom: 14px; }
.hero p.lead { font-size: 1.18rem; color: var(--muted); max-width: 40em; }
.hero .art { display: flex; justify-content: center; }
.hero .art img { max-height: 280px; width: auto; filter: drop-shadow(0 14px 22px rgba(79,65,40,.18)); }
.page-hero .wrap { grid-template-columns: 1fr; padding-top: 48px; padding-bottom: 44px; }
.page-hero h1 { max-width: 20em; }

/* ---------- sections ---------- */
.section { padding: 64px 0; }
.section + .section { padding-top: 0; }
.section.cream { background: var(--cream); padding-top: 64px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section.cream + .section { padding-top: 64px; }
.intro { max-width: 46em; }
.intro p { color: var(--muted); font-size: 1.08rem; }
.prose { max-width: 46em; }
.prose h2 { margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }

.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card .more { font-family: var(--head); font-weight: 600; text-decoration: none; }
.card .more::after { content: " \2192"; }
.card-tag { display: inline-block; font-family: var(--head); font-size: .75rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--bronze); background: var(--gold-soft); padding: 4px 10px; border-radius: 999px; margin-bottom: 12px; }

/* numbered steps */
.steps { list-style: none; padding: 0; margin: 0; counter-reset: step; display: grid; gap: 14px; }
.steps li { counter-increment: step; position: relative; padding: 20px 22px 20px 78px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); margin: 0; }
.steps li::before { content: counter(step); position: absolute; left: 22px; top: 18px; width: 38px; height: 38px; border-radius: 50%; background: var(--gold); color: var(--ink); font-family: var(--head); font-weight: 700; display: flex; align-items: center; justify-content: center; }
.steps h3 { margin-bottom: .25em; }
.steps p { margin: 0; color: var(--muted); }

/* tick list */
.ticks { list-style: none; padding: 0; }
.ticks li { position: relative; padding-left: 30px; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: .42em; width: 14px; height: 8px; border-left: 3px solid var(--gold-2); border-bottom: 3px solid var(--gold-2); transform: rotate(-45deg); }

/* facts strip */
.facts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.facts div { background: var(--white); padding: 20px; }
.facts b { display: block; font-family: var(--head); font-size: 1.1rem; color: var(--bronze); margin-bottom: 2px; }
.facts span { color: var(--muted); font-size: .95rem; }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 4px 0; }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; font-family: var(--head); font-weight: 600; font-size: 1.1rem; color: var(--bronze); padding: 16px 40px 16px 0; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 12px; font-size: 1.5rem; color: var(--gold-2); }
.faq details[open] summary::after { content: "\2212"; }
.faq .a { padding: 0 0 16px; color: var(--ink); max-width: 46em; }

/* call to action band */
.cta-band { background: var(--bronze); color: var(--cream); padding: 52px 0; }
.cta-band .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: var(--white); margin-bottom: .25em; }
.cta-band p { margin: 0; color: #e6dcc7; max-width: 40em; }

/* notices */
.notice { background: var(--cream); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 16px 18px; color: var(--muted); font-size: .95rem; }
.notice p:last-child { margin-bottom: 0; }
.alert { border-radius: var(--radius); padding: 14px 16px; margin-bottom: 20px; }
.alert-err { background: #fbeeee; color: var(--err); border: 1px solid #efcaca; }
.alert-ok  { background: #ecf5ee; color: var(--ok);  border: 1px solid #c8e0cf; }

/* ---------- forms ---------- */
.form { max-width: 760px; }
.form fieldset { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px 8px; margin: 0 0 20px; background: var(--white); }
.form legend { font-family: var(--head); font-weight: 600; color: var(--bronze); padding: 0 8px; font-size: 1.05rem; }
.frow { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; margin-bottom: 14px; }
.frow.one { grid-template-columns: 1fr; }
.field label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 5px; color: var(--ink); }
.field .hint { font-weight: 400; color: var(--muted); font-size: .85rem; }
.field input, .field select, .field textarea { width: 100%; font: inherit; font-size: 1rem; padding: 11px 12px; border: 1px solid #d6ccb8; border-radius: 8px; background: var(--white); color: var(--ink); }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold-2); box-shadow: 0 0 0 3px rgba(216,175,89,.28); }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .95rem; }
.check input { margin-top: 5px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.req { color: var(--err); }

/* eligibility checker */
.checker { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; max-width: 760px; }
.checker .q { padding: 14px 0; border-bottom: 1px solid var(--line); }
.checker .q:last-of-type { border-bottom: 0; }
.checker .q p { font-weight: 600; margin-bottom: 8px; }
.checker .opts { display: flex; flex-wrap: wrap; gap: 8px; }
.checker .opts label { border: 1px solid #d6ccb8; border-radius: 999px; padding: 7px 14px; cursor: pointer; font-size: .95rem; }
.checker .opts input { position: absolute; opacity: 0; pointer-events: none; }
.checker .opts input:checked + span { font-weight: 600; }
.checker .opts label:has(input:checked) { background: var(--gold-soft); border-color: var(--gold-2); }
.checker .result { margin-top: 18px; }

/* ---------- footer ---------- */
.site-foot { background: var(--bronze-2); color: #e6dcc7; padding: 52px 0 28px; font-size: .95rem; }
.site-foot a { color: var(--cream); text-decoration-color: rgba(216,175,89,.6); }
.site-foot a:hover { color: var(--gold); }
.foot-cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; }
.foot-cols h4 { color: var(--gold); font-size: .85rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 12px; }
.foot-cols ul { list-style: none; padding: 0; margin: 0; }
.foot-cols li { margin-bottom: 6px; }
.foot-reg { border-top: 1px solid rgba(230,220,199,.18); margin-top: 36px; padding-top: 20px; font-size: .85rem; color: #cbbfa6; }
.foot-reg p { margin-bottom: .6em; }

/* premium versus mezzanine comparison */
.rate-note { display: flex; gap: 18px; align-items: stretch; flex-wrap: wrap; margin: 8px 0 4px; }
.rate-note div { flex: 1 1 200px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; }
.rate-note div.hi { border-color: var(--gold-2); box-shadow: inset 4px 0 0 var(--gold); }
.rate-note b { display: block; font-family: var(--head); font-size: 1.7rem; color: var(--bronze); line-height: 1.1; }
.rate-note span { color: var(--muted); font-size: .92rem; }

/* ---------- responsive ---------- */
@media (max-width: 1020px) {
  .nav-toggle { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; padding: 10px 20px 18px; gap: 2px; }
  .nav.open { display: flex; }
  .nav a { padding: 12px 8px; }
  .nav a.on { box-shadow: inset 3px 0 0 var(--gold); padding-left: 14px; }
  .nav .btn { margin: 10px 0 0; text-align: center; }
  .site-head .wrap { position: relative; }
  .facts { grid-template-columns: repeat(2, 1fr); }
  .foot-cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .hero .wrap { grid-template-columns: 1fr; padding-top: 40px; padding-bottom: 40px; }
  .hero .art { display: none; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .frow { grid-template-columns: 1fr; }
  .section, .section.cream { padding: 44px 0; }
  .section.cream + .section { padding-top: 44px; }
  .brand img { height: 54px; }
  .site-head .wrap { min-height: 76px; }
  .steps li { padding-left: 70px; }
}
@media (max-width: 480px) {
  .facts { grid-template-columns: 1fr; }
  .foot-cols { grid-template-columns: 1fr; }
}

/* hero selling points - added 1.1 */
.hero-ticks { margin: 4px 0 22px; font-family: var(--head); font-weight: 500; color: var(--bronze); font-size: 1.05rem; }
.hero-ticks li { margin-bottom: 6px; }

/* case studies - added 1.2 */
.case { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; margin-bottom: 22px; }
.case-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; margin-bottom: 6px; }
.case-head h2 { margin: 0; font-size: 1.45rem; }
.case-figs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; margin: 18px 0; }
.case-figs div { background: var(--cream); padding: 14px 16px; }
.case-figs b { display: block; font-family: var(--head); font-size: 1.2rem; color: var(--bronze); }
.case-figs span { color: var(--muted); font-size: .88rem; }
.case-save { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; margin-top: 6px; }
.case-save div { border-radius: var(--radius); padding: 14px 16px; border: 1px solid var(--line); }
.case-save div.hi { border-color: var(--gold-2); box-shadow: inset 4px 0 0 var(--gold); }
.case-save b { display: block; font-family: var(--head); font-size: 1.25rem; color: var(--bronze); }
.case-save span { color: var(--muted); font-size: .88rem; }
@media (max-width: 760px) {
  .case-figs { grid-template-columns: 1fr 1fr; }
  .case-save { grid-template-columns: 1fr; }
}

/* construction imagery - added 1.3. Watermarked iStock comps in img/comps until licensed.
   Each photo sits on a pseudo-element, desaturated and warmed, under a cream or bronze
   overlay so the text contrast never depends on the photo. */
.hero { position: relative; overflow: hidden; }
.hero > .wrap { position: relative; z-index: 1; }
.hero::before { content: ""; position: absolute; inset: 0; background: url("img/comps/hero-houses-istock-gm2168836156.jpg") center/cover no-repeat;
  filter: grayscale(1) sepia(.45); opacity: .34; }
.hero::after { content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, #faf7f1 0%, rgba(250,247,241,.94) 40%, rgba(250,247,241,.55) 72%, rgba(250,247,241,.3) 100%); }
.page-hero::before { background-image: url("img/comps/band-townhouses-istock-gm2256517308.jpg"); background-position: center 35%; opacity: .32; }
.page-hero::after { background: linear-gradient(90deg, #faf7f1 0%, rgba(250,247,241,.93) 42%, rgba(250,247,241,.45) 100%); }

.cta-band { position: relative; overflow: hidden; }
.cta-band > .wrap { position: relative; z-index: 1; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: url("img/comps/cta-cranes-istock-gm2212513033.jpg") center 40%/cover no-repeat;
  filter: grayscale(1) contrast(1.1); opacity: .17; }

.case-top { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 24px; align-items: start; }
.case-img { margin: 0; }
.case-img img { width: 100%; height: 200px; object-fit: cover; border-radius: var(--radius); }
.case-img figcaption { font-size: .75rem; color: var(--muted); margin-top: 4px; text-align: right; }
.card-img { display: block; width: calc(100% + 48px); max-width: none; height: 170px; object-fit: cover;
  margin: -24px -24px 16px; border-radius: var(--radius) var(--radius) 0 0; }

@media (max-width: 760px) {
  .hero::after, .page-hero::after { background: rgba(250,247,241,.88); }
  .case-top { grid-template-columns: 1fr; }
  .case-img img { height: 180px; }
}