/* Finance My Caravan: deep eucalyptus, red-dirt copper, warm paper */
:root{
 --forest:#0f2a22;--forest-2:#173a2f;--bark:#17110d;
 --copper:#b4571f;--copper-d:#97451a;--gold:#e6b062;
 --paper:#f7f2e8;--paper-2:#eee5d3;--ink:#1c2420;--mute:#59625c;--line:#d9ceb8;
 --serif:'Fraunces',Georgia,'Times New Roman',serif;
 --sans:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
 --hh:72px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:16.5px;line-height:1.7;color:var(--ink);background:var(--paper);overflow-x:hidden}
img,svg{max-width:100%}
img{height:auto;display:block}
a{color:var(--copper-d);text-underline-offset:3px}
a:hover{color:var(--copper)}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12;color:inherit;margin:0 0 .55em;letter-spacing:-.012em}
h1{font-size:clamp(2.4rem,7.4vw,4.9rem)}
h2{font-size:clamp(1.9rem,4.6vw,3.1rem)}
h3{font-size:1.45rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
.narrow{max-width:780px}
.narrow-ish{max-width:780px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--ink);padding:.6rem 1rem;z-index:99}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* ---------- header ---------- */
.top{position:fixed;top:0;left:0;right:0;z-index:50;transition:background .3s,box-shadow .3s}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:var(--hh);max-width:1320px}
.top.solid,.top:has(.navtoggle:checked){background:rgba(15,42,34,.97);box-shadow:0 1px 0 rgba(255,255,255,.08),0 8px 30px rgba(0,0,0,.18)}
@supports (backdrop-filter:blur(8px)){.top.solid{background:rgba(15,42,34,.9);backdrop-filter:blur(12px)}}
.brand{display:block;flex:none;position:relative;z-index:2}
.brand img{height:40px;width:auto}
.navtoggle{position:absolute;opacity:0;pointer-events:none}
.navbtn{position:relative;z-index:2;display:inline-flex;align-items:center;gap:10px;cursor:pointer;color:#fff;font-size:.82rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;padding:.55rem .2rem}
.navbtn i{width:22px;height:12px;border-top:2px solid #fff;border-bottom:2px solid #fff;position:relative;transition:.25s}
.navbtn i:after{content:"";position:absolute;left:0;right:0;top:3px;border-top:2px solid #fff;transition:.25s}
.navtoggle:checked+.navbtn i{border-color:transparent;transform:rotate(45deg) translate(1px,1px)}
.navtoggle:checked+.navbtn i:after{transform:rotate(-90deg);top:3px}
.navtoggle:focus-visible+.navbtn{outline:3px solid var(--gold)}
.top nav{position:fixed;inset:0;z-index:-1;background:var(--forest);padding:calc(var(--hh) + 24px) 26px 32px;display:none;flex-direction:column;overflow:auto}
.navtoggle:checked~nav{display:flex}
.top nav a{color:#fff;text-decoration:none;font-family:var(--serif);font-size:1.7rem;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.12)}
.top nav a[aria-current]{color:var(--gold)}
.top nav a.go{margin-top:26px;border:0;background:var(--copper);font-family:var(--sans);font-size:1rem;font-weight:600;text-align:center;padding:1rem 1.4rem;border-radius:3px}
@media(min-width:1080px){
 .navbtn{display:none}
 .top nav{position:static;z-index:auto;display:flex;flex-direction:row;align-items:center;gap:2px;background:none;padding:0;overflow:visible}
 .top nav a{font-family:var(--sans);font-size:.9rem;font-weight:500;padding:.5rem .8rem;border:0;border-radius:3px;position:relative}
 .top nav a:not(.go):after{content:"";position:absolute;left:.8rem;right:.8rem;bottom:.2rem;height:1px;background:var(--gold);transform:scaleX(0);transition:transform .25s;transform-origin:left}
 .top nav a:not(.go):hover:after,.top nav a[aria-current]:after{transform:scaleX(1)}
 .top nav a.go{margin:0 0 0 14px;padding:.65rem 1.2rem;font-size:.88rem}
 .top nav a.go:hover{background:var(--copper-d);color:#fff}
}

/* ---------- shared bits ---------- */
.bgimg{position:absolute;inset:0;z-index:-2;background:var(--forest);overflow:hidden}
.bgimg img{width:100%;height:100%;object-fit:cover}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:.76rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:1.1rem}
.eyebrow:before{content:"";width:34px;height:1px;background:currentColor}
.eyebrow.dark{color:var(--copper-d)}
.btn{display:inline-block;background:var(--copper);color:#fff;text-decoration:none;font-weight:600;font-size:.95rem;letter-spacing:.02em;padding:.95rem 1.8rem;border-radius:3px;border:1px solid var(--copper);transition:background .2s,transform .2s}
.btn:hover{background:var(--copper-d);color:#fff;transform:translateY(-1px)}
.btn.ghost{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.7);backdrop-filter:blur(2px)}
.btn.ghost:hover{background:#fff;color:var(--forest)}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;margin:1.8rem 0 0}
.lede{font-size:clamp(1.05rem,2.2vw,1.25rem);line-height:1.6;max-width:36em;opacity:.95}
.sec{padding:clamp(64px,9vw,128px) 0}
.sec.dark{background:var(--forest);color:#e9efe9}
.sec.paper2{background:var(--paper-2)}
.shead{max-width:46rem;margin-bottom:clamp(28px,4vw,52px)}
.shead .lead{font-size:1.1rem;color:var(--mute)}
.shead.row{max-width:none;display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap}
.shead.row h2{margin:0}
.textlink{display:inline-flex;align-items:center;gap:8px;font-weight:600;text-decoration:none;color:var(--copper-d);padding-bottom:.4rem}
.textlink svg,.more svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.textlink:hover svg,.pcard .more:hover svg{transform:translateX(4px)}
.noteblock{padding-top:0;padding-bottom:10px}
.note{background:#fff;border:1px solid var(--line);border-left:4px solid var(--copper);padding:16px 20px;border-radius:2px;font-size:.9rem;line-height:1.6;color:var(--mute);margin:28px 0}
.note strong{color:var(--ink)}

/* ---------- hero ---------- */
.hero{position:relative;isolation:isolate;display:flex;flex-direction:column;justify-content:flex-end;min-height:min(100vh,920px);min-height:min(100svh,920px);color:#fff;overflow:hidden}
.hero .bgimg img{animation:settle 2.4s ease-out both}
.hero:after,.phead:after,.band:after,.cta:after{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none}
.hero:after{background:linear-gradient(180deg,rgba(8,20,16,.7) 0,rgba(8,20,16,.12) 26%,rgba(8,20,16,.35) 52%,rgba(8,20,16,.92) 100%)}
.hero-in{width:100%;padding-top:calc(var(--hh) + 60px);padding-bottom:clamp(28px,5vw,56px)}
.hero h1{max-width:12em;text-shadow:0 2px 30px rgba(0,0,0,.35)}
.hero h1 em{color:var(--gold);font-style:italic}
.hero .lede{text-shadow:0 1px 14px rgba(0,0,0,.4)}
.trust{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;border-top:1px solid rgba(255,255,255,.22);background:rgba(8,20,16,.5);backdrop-filter:blur(6px)}
.trust li{display:flex;align-items:center;gap:10px;padding:16px 22px;font-size:.84rem;font-weight:500;letter-spacing:.02em}
.trust li:nth-child(odd){border-right:1px solid rgba(255,255,255,.14)}
.trust li:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.14)}
.trust svg{flex:none;width:20px;height:20px;fill:none;stroke:var(--gold);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.trust a{color:#fff;text-decoration-color:rgba(255,255,255,.5)}
@media(min-width:900px){
 .trust{grid-template-columns:repeat(4,1fr)}
 .trust li{justify-content:center;border:0!important;border-right:1px solid rgba(255,255,255,.14)!important}
 .trust li:last-child{border-right:0!important}
 .hero:after{background:linear-gradient(90deg,rgba(8,20,16,.74) 0,rgba(8,20,16,.38) 45%,rgba(8,20,16,.05) 75%),linear-gradient(180deg,rgba(8,20,16,.5) 0,rgba(8,20,16,0) 22%,rgba(8,20,16,0) 55%,rgba(8,20,16,.8) 100%)}
}
@media(max-width:899px){
 .hero{background:var(--forest);justify-content:flex-start}
 .hero:after{display:none}
 .hero .bgimg{bottom:auto;height:min(58svh,500px)}
 .hero .bgimg:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,20,16,.65) 0,rgba(8,20,16,0) 28%,rgba(8,20,16,0) 50%,var(--forest) 100%)}
 .hero-in{padding-top:calc(min(58svh,500px) - 96px)}
 .hero .lede{font-size:1rem}
 .hero .btnrow{flex-wrap:nowrap;gap:10px}
 .hero .btn{flex:1;text-align:center;padding:.9rem .5rem;font-size:.9rem}
}
@keyframes settle{from{transform:scale(1.07)}to{transform:scale(1)}}

/* ---------- page heads ---------- */
.phead{position:relative;isolation:isolate;color:#fff;display:flex;align-items:flex-end;min-height:clamp(380px,56vh,560px);padding:calc(var(--hh) + 48px) 0 clamp(36px,5vw,64px);overflow:hidden}
.phead.tall{min-height:80vh}
.phead:after{background:linear-gradient(180deg,rgba(8,20,16,.66) 0,rgba(8,20,16,.25) 32%,rgba(8,20,16,.88) 100%)}
.phead .wrap{width:100%;margin:0 auto}
.phead.plain{min-height:0;background:radial-gradient(120% 140% at 85% 0,var(--forest-2) 0,var(--forest) 60%);padding-bottom:56px}
.phead.plain:after{display:none}
.phead h1{font-size:clamp(2.2rem,6vw,4rem);max-width:17em;text-shadow:0 2px 24px rgba(0,0,0,.35)}
.phead .lede{margin-bottom:0}
.crumbs{font-size:.8rem;letter-spacing:.04em;margin:0 0 1.2rem;opacity:.85}
.crumbs a{color:#fff;text-decoration-color:rgba(255,255,255,.4)}
.chip{display:inline-block;background:var(--copper);color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;padding:.3rem .75rem;border-radius:2px;margin-bottom:1rem}
.post-meta{display:flex;gap:10px 22px;flex-wrap:wrap;font-size:.88rem;opacity:.92;margin-top:.4rem}
.post-meta span:before{content:"";display:inline-block;width:5px;height:5px;background:var(--gold);border-radius:50%;margin-right:10px;vertical-align:middle}
.phead.post{min-height:clamp(440px,64vh,640px)}
.phead.post h1{font-size:clamp(2rem,5.2vw,3.6rem);max-width:20em}

/* ---------- tiles ---------- */
.tiles{display:grid;gap:18px}
.tile{position:relative;isolation:isolate;display:flex;align-items:flex-end;min-height:440px;color:#fff;text-decoration:none;overflow:hidden;border-radius:3px;background:var(--forest)}
.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform .9s cubic-bezier(.2,.7,.2,1)}
.tile:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(8,20,16,0) 25%,rgba(8,20,16,.9) 100%)}
.tile:hover img{transform:scale(1.05)}
.tile:hover{color:#fff}
.tile .tx{display:block;padding:28px 26px}
.tile h3{font-size:1.9rem;margin-bottom:.4rem}
.tile .p{display:block;font-size:.96rem;line-height:1.55;opacity:.92;margin-bottom:1rem;max-width:30em}
.tile .more{display:inline-block;font-weight:600;font-size:.86rem;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);border-bottom:1px solid var(--gold);padding-bottom:3px}
@media(min-width:900px){.tiles{grid-template-columns:repeat(3,1fr);gap:22px}.tile{min-height:560px}}

/* ---------- steps ---------- */
.split{display:grid;gap:40px;align-items:start}
.stepimg{position:relative;border-radius:3px;overflow:hidden;aspect-ratio:16/10;background:var(--forest-2)}
.stepimg img{width:100%;height:100%;object-fit:cover}
.legs{list-style:none;margin:0;padding:0;counter-reset:s}
.legs li{counter-increment:s;position:relative;padding:22px 0 22px 62px;border-top:1px solid rgba(255,255,255,.14)}
.legs li:last-child{border-bottom:1px solid rgba(255,255,255,.14)}
.legs li:before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:18px;font-family:var(--serif);font-size:2rem;color:var(--gold);line-height:1}
.legs strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.3rem;color:#fff;line-height:1.25;margin-bottom:.3rem}
.legs span{display:block;color:#c9d6cd;font-size:.96rem;line-height:1.6}
.steps h2{color:#fff}
@media(min-width:900px){
 .split{grid-template-columns:.85fr 1.15fr;gap:72px}
 .stepimg{aspect-ratio:auto;height:100%;min-height:560px;position:sticky;top:96px}
}

/* ---------- photo band & cta ---------- */
.band,.cta{position:relative;isolation:isolate;color:#fff;overflow:hidden}
.band{padding:clamp(100px,16vw,220px) 0}
.band:after{background:linear-gradient(90deg,rgba(8,20,16,.88) 0,rgba(8,20,16,.55) 55%,rgba(8,20,16,.2) 100%)}
.band h2{font-size:clamp(2rem,5.4vw,3.8rem);max-width:13em}
.band p{max-width:34em;font-size:1.1rem;opacity:.94;margin-bottom:1.8rem}
.cta{padding:clamp(80px,11vw,150px) 0;text-align:center}
.cta:after{background:rgba(8,20,16,.62)}
.cta .eyebrow{justify-content:center}
.cta h2{max-width:14em;margin-left:auto;margin-right:auto}
.cta p{max-width:34em;margin:0 auto 1.8rem;font-size:1.1rem}
.cta.slim{background:var(--forest);padding:72px 0}
.cta.slim:after{display:none}
.cta.slim h2{font-size:clamp(1.7rem,4vw,2.4rem)}

/* ---------- who ---------- */
.who{display:grid;gap:22px}
.whocard{background:#fff;border:1px solid var(--line);border-radius:3px;overflow:hidden}
.whoimg{aspect-ratio:16/8;overflow:hidden}
.whoimg img{width:100%;height:100%;object-fit:cover}
.whotx{padding:26px 28px 30px}
.whotx h3{font-size:1.8rem;margin-bottom:.7rem}
.whotx ul{margin:0;padding:0;list-style:none}
.whotx li{padding:.65rem 0 .65rem 28px;border-top:1px solid var(--line);position:relative;color:var(--mute)}
.whotx li:before{content:"";position:absolute;left:2px;top:1.15rem;width:12px;height:6px;border-left:2px solid var(--copper);border-bottom:2px solid var(--copper);transform:rotate(-45deg)}
@media(min-width:800px){.who{grid-template-columns:1fr 1fr;gap:28px}}

/* ---------- cards ---------- */
.cards3{display:grid;gap:26px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:3px;overflow:hidden;display:flex;flex-direction:column;transition:transform .3s,box-shadow .3s}
.pcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(23,17,13,.14)}
.pcard .th{display:block;aspect-ratio:3/2;overflow:hidden;background:var(--forest)}
.pcard .th img{width:100%;height:100%;object-fit:cover;transition:transform .8s}
.pcard:hover .th img{transform:scale(1.05)}
.pcard .in{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.pcard .meta{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--copper-d);margin-bottom:.7rem}
.pcard .meta time{color:var(--mute);letter-spacing:.04em;text-transform:none;font-weight:500}
.pcard h3{font-size:1.4rem;line-height:1.22;margin-bottom:.6rem}
.pcard h3 a{color:var(--ink);text-decoration:none}
.pcard h3 a:hover{color:var(--copper-d)}
.pcard p{color:var(--mute);font-size:.95rem;line-height:1.6;flex:1}
.pcard .more{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.88rem;text-decoration:none;color:var(--copper-d)}
@media(min-width:700px){.cards3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.cards3{grid-template-columns:repeat(3,1fr);gap:30px}}

/* ---------- prose ---------- */
.prose{padding-top:clamp(48px,7vw,88px);padding-bottom:clamp(40px,6vw,72px);font-size:1.05rem}
.prose>*{max-width:720px}
.prose h2{font-size:clamp(1.6rem,3.4vw,2.1rem);margin:2em 0 .6em;padding-top:1.1em;position:relative}
.prose h2:before{content:"";position:absolute;top:0;left:0;width:46px;height:2px;background:var(--copper)}
.prose>h2:first-child{margin-top:0}
.prose h3{font-size:1.35rem;margin:1.6em 0 .5em}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin:.45em 0}
.prose li::marker{color:var(--copper)}
.prose strong{color:var(--ink)}
.prose blockquote{margin:1.6em 0;padding:.2em 0 .2em 1.4em;border-left:3px solid var(--copper);font-family:var(--serif);font-size:1.3rem;line-height:1.45}
.prose table{border-collapse:collapse;width:100%;margin:1.4em 0;font-size:.92rem;background:#fff;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left}
.prose th{background:var(--paper-2)}
.prose img{border-radius:3px}
.prose>p:first-child{font-size:1.18rem;line-height:1.65}
.formcard{background:var(--forest);color:#e9efe9;border-radius:3px;padding:clamp(28px,5vw,48px);margin:0 0 40px;max-width:720px;position:relative;overflow:hidden}
.formcard:before{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;border:1px solid rgba(230,176,98,.35)}
.formcard h2{color:#fff;padding:0;margin:0 0 .5em!important}
.formcard h2:before{display:none}
.formcard p{color:#cddacf}
.formcard a:not(.btn){color:var(--gold)}
.formcard .btn{margin-top:.4rem}

/* ---------- footer ---------- */
.foot{background:var(--bark);color:#c9c0b2;padding:clamp(56px,7vw,88px) 0 34px;font-size:.9rem}
.foot a{color:#f0e8da;text-decoration:none}
.foot a:hover{color:var(--gold)}
.fgrid{display:grid;gap:36px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:28px}
.fbrand img{height:44px;width:auto;margin-bottom:14px}
.fbrand p{max-width:26em;color:#a99f90;margin:0}
.fcol h2{font-family:var(--sans);font-size:.74rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
.fcol a{display:block;padding:.3rem 0}
.fine{max-width:64em;font-size:.82rem;line-height:1.65;color:#a99f90;margin:0 0 1em}
.fine strong{color:#d8cfbf}
.fine.base{margin:22px 0 0;color:#8f8678}
@media(min-width:800px){.fgrid{grid-template-columns:1.5fr 1fr 1fr}}

/* ---------- motion ---------- */
.js .rv{opacity:0;transform:translateY(26px);transition:opacity .9s cubic-bezier(.2,.7,.2,1),transform .9s cubic-bezier(.2,.7,.2,1)}
.js .rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
 html{scroll-behavior:auto}
 .js .rv{opacity:1;transform:none;transition:none}
 .hero .bgimg img{animation:none}
 .tile img,.pcard,.pcard .th img,.btn{transition:none}
}