/* Lending Sphere draft theme, from Beacon's Brand Guidelines v1.0 DRAFT (2026-10-09).
   Colors: Sphere Navy #355176 (primary), Sphere Green #8CBE41 (accents only, never text on white),
   Ink #1D1E20 (text), Cloud #EFEFEF (panels), Rule #D0D0D0 (decorative lines).
   Type: Nunito (headings, buttons, labels) + Lato (body, forms, legal), self-hosted woff2. */
@font-face { font-family: "Nunito"; font-style: normal; font-weight: 700; font-display: swap; src: url("/assets/fonts/nunito-700.woff2") format("woff2"); }
@font-face { font-family: "Nunito"; font-style: normal; font-weight: 800; font-display: swap; src: url("/assets/fonts/nunito-800.woff2") format("woff2"); }
@font-face { font-family: "Lato"; font-style: normal; font-weight: 400; font-display: swap; src: url("/assets/fonts/lato-400.woff2") format("woff2"); }
@font-face { font-family: "Lato"; font-style: italic; font-weight: 400; font-display: swap; src: url("/assets/fonts/lato-400-italic.woff2") format("woff2"); }
@font-face { font-family: "Lato"; font-style: normal; font-weight: 700; font-display: swap; src: url("/assets/fonts/lato-700.woff2") format("woff2"); }

:root {
  --brand-font: "Lato", "Segoe UI", Helvetica, Arial, sans-serif;
  --heading-font: "Nunito", "Trebuchet MS", Verdana, Arial, sans-serif;
  --navy: #355176;
  --navy-dark: #2a4160;
  --green: #8cbe41;
  --green-dark: #7aab33;
  --brand-primary: var(--navy);
  --brand-primary-dark: var(--navy-dark);
  --brand-accent: var(--navy);   /* links are Navy, underlined */
  --brand-tint: #efefef;         /* Cloud */
  --ink: #1d1e20;
  --ink-muted: #4f545b;          /* 7.6:1 on white, 6.6:1 on Cloud */
  --line: #d0d0d0;               /* Rule: decorative only */
  --field-line: #355176;         /* form fields need 3:1, so Navy */
  --bg: #ffffff;
  --footer-bg: #355176;
  --error: #b42318;
  --error-bg: #fdf0ef;
  --ok-bg: #efefef;
  --ok-line: #8cbe41;
  --ph-bg: #fff7d6;
  --ph-line: #c9a227;
  --focus: #355176;
  /* Dave's rule: one heading scale, one body size, small size only for footer and fine print.
     Footer/fine print use --fs-sm, the smallest size on the site. */
  --fs-sm: 0.9375rem;   /* 15px: footer, hints */
  --fs-base: 1.0625rem; /* 17px: body, buttons, labels */
  --fs-lg: 1.375rem;    /* 22px: h2/h3 */
  --fs-xl: 1.875rem;    /* 30px: h1 (36px desktop) */
  --radius: 8px;
  --wrap: 72rem;
}
@media (min-width: 48rem) { :root { --fs-xl: 2.25rem; } }

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body { margin: 0; font-family: var(--brand-font); font-size: var(--fs-base); line-height: 1.6; color: var(--ink); background: var(--bg); }
img, svg { max-width: 100%; }
h1, h2, h3 { color: var(--brand-primary); line-height: 1.25; font-weight: 700; margin: 0 0 0.6em; }
h1 { font-size: var(--fs-xl); }
h2 { font-size: var(--fs-lg); margin-top: 1.6em; }
h3 { font-size: var(--fs-base); font-weight: 700; margin-top: 1.2em; }
p, ul, ol { margin: 0 0 1em; }
a { color: var(--brand-accent); text-underline-offset: 2px; }
a:hover { color: var(--brand-primary); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 0.5rem; top: -4rem; background: var(--brand-primary); color: #fff; padding: 0.6rem 1rem; border-radius: var(--radius); z-index: 100; font-weight: 600; }
.skip-link:focus { top: 0.5rem; color: #fff; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 1.25rem; }

/* Draft banner */
.draft-bar { background: var(--ph-bg); border-bottom: 1px solid var(--ph-line); font-size: var(--fs-sm); text-align: center; padding: 0.4rem 1rem; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 4.5rem; }
.logo { display: inline-flex; align-items: center; gap: 0.6rem; text-decoration: none; color: var(--brand-primary); font-weight: 700; font-size: var(--fs-lg); }
.logo svg { width: 2.25rem; height: 2.25rem; flex: none; }
.nav-toggle { display: none; font: inherit; font-size: var(--fs-base); font-weight: 600; color: var(--brand-primary); background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 0.45rem 0.9rem; cursor: pointer; }
.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 0.25rem 1.25rem; align-items: center; }
.site-nav a { color: var(--ink); text-decoration: none; font-weight: 600; padding: 0.4rem 0; display: inline-block; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--brand-primary); text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 6px; }
.site-nav a.btn { color: #fff; padding: 0.55rem 1.1rem; text-decoration: none; }
.js .nav-toggle { display: none; }
@media (max-width: 56rem) {
  .js .nav-toggle { display: inline-block; }
  .js .site-nav { display: none; width: 100%; }
  .js .site-nav.open { display: block; }
  .header-row { flex-wrap: wrap; }
  .site-nav { width: 100%; padding-bottom: 0.75rem; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .site-nav li { border-top: 1px solid var(--line); }
  .site-nav a { display: block; padding: 0.75rem 0; }
  .site-nav a.btn { margin-top: 0.75rem; text-align: center; }
}

/* Buttons */
.btn { display: inline-block; font: inherit; font-size: var(--fs-base); font-weight: 600; line-height: 1.3; text-align: center; text-decoration: none; border-radius: var(--radius); padding: 0.8rem 1.4rem; border: 2px solid var(--brand-primary); background: var(--brand-primary); color: #fff; cursor: pointer; }
.btn:hover { background: var(--brand-primary-dark); border-color: var(--brand-primary-dark); color: #fff; }
.btn-secondary { background: #fff; color: var(--brand-primary); }
.btn-secondary:hover { background: var(--brand-tint); color: var(--brand-primary); }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.75rem; margin: 1.5rem 0 0; }
@media (max-width: 30rem) { .btn-row .btn { width: 100%; } }

/* Sections */
main { display: block; }
.hero { background: var(--brand-tint); padding: 3rem 0; }
.hero p.lead { max-width: 44rem; }
.page-head { background: var(--brand-tint); padding: 2.25rem 0 1.75rem; }
.page-head p { max-width: 46rem; margin-bottom: 0; }
.section { padding: 2.5rem 0; }
.section + .section { border-top: 1px solid var(--line); }
.section > .wrap > h2:first-child { margin-top: 0; }
.prose { max-width: 46rem; }
.grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 40rem) { .grid-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 56rem) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.25rem 1.25rem 0.5rem; background: #fff; }
.card h2, .card h3 { margin-top: 0; }
.card h3 { font-size: var(--fs-lg); }
.steps { counter-reset: step; list-style: none; padding: 0; max-width: 46rem; }
.steps li { counter-increment: step; position: relative; padding: 0 0 1rem 3.25rem; }
.steps li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 2.25rem; height: 2.25rem; border-radius: 50%; background: var(--brand-primary); color: #fff; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.steps h3 { margin: 0.2rem 0 0.3rem; }
.checklist { padding-left: 1.25rem; }
.checklist li { margin-bottom: 0.35rem; }
.contact-list { list-style: none; padding: 0; }
.contact-list li { margin-bottom: 0.6rem; }
.contact-list strong { display: block; color: var(--brand-primary); }
.person { display: grid; gap: 1.25rem; grid-template-columns: 1fr; align-items: start; }
@media (min-width: 40rem) { .person { grid-template-columns: 10rem 1fr; } }
.photo-ph { width: 10rem; height: 12rem; border: 2px dashed var(--ph-line); background: var(--ph-bg); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; text-align: center; padding: 0.5rem; font-size: var(--fs-sm); color: var(--ink); }
.license-line { color: var(--ink-muted); }
table { border-collapse: collapse; width: 100%; margin: 0 0 1.5rem; }
th, td { text-align: left; vertical-align: top; padding: 0.6rem 0.75rem; border: 1px solid var(--line); }
th { background: var(--brand-tint); color: var(--brand-primary); }
.table-scroll { overflow-x: auto; }

/* Placeholder marks */
.ph { background: var(--ph-bg); border: 1px dashed var(--ph-line); border-radius: 4px; padding: 0 0.3em; }
p.ph, div.ph { display: block; padding: 0.6rem 0.9rem; }

/* Notices */
.notice { border-left: 5px solid var(--brand-primary); background: var(--brand-tint); padding: 1rem 1.25rem; border-radius: var(--radius); margin: 0 0 1.5rem; max-width: 46rem; }
.notice p:last-child { margin-bottom: 0; }
.notice h2 { margin-top: 0; }
.notice-ok { border-left-color: var(--ok-line); background: var(--ok-bg); }
.ext-url { word-break: break-all; }

/* Form */
.form-layout { display: grid; gap: 2rem; grid-template-columns: 1fr; }
@media (min-width: 56rem) { .form-layout { grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); } }
form { max-width: 40rem; }
.field { margin: 0 0 1.25rem; }
label, legend { display: block; font-weight: 600; margin-bottom: 0.35rem; color: var(--ink); }
.req { color: var(--error); font-weight: 600; }
.opt { font-weight: 400; color: var(--ink-muted); }
.hint { font-size: var(--fs-sm); color: var(--ink-muted); margin: -0.15rem 0 0.4rem; }
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  display: block; width: 100%; font: inherit; font-size: var(--fs-base); color: var(--ink); background: #fff;
  border: 1px solid #8796a8; border-radius: var(--radius); padding: 0.65rem 0.75rem; min-height: 2.9rem;
}
textarea { min-height: 7rem; resize: vertical; }
select { appearance: auto; }
input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 3px solid var(--focus); outline-offset: 1px; border-color: var(--brand-primary); }
fieldset { border: 0; padding: 0; margin: 0 0 1.25rem; min-width: 0; width: 100%; }
.choices { display: grid; gap: 0.4rem; }
.choice { display: flex; align-items: flex-start; gap: 0.6rem; font-weight: 400; margin: 0; }
.choice input { width: 1.25rem; height: 1.25rem; margin: 0.2rem 0 0; flex: none; accent-color: var(--brand-primary); }
.consent { border: 1px solid var(--line); border-radius: var(--radius); padding: 0.9rem 1rem; background: #fafbfc; }
.consent .choice { font-size: var(--fs-base); }
[aria-invalid="true"] { border-color: var(--error) !important; box-shadow: 0 0 0 1px var(--error); }
.field-error { color: var(--error); font-weight: 600; margin: 0.35rem 0 0; font-size: var(--fs-base); }
.field-error:empty { display: none; }
.error-summary { border: 2px solid var(--error); background: var(--error-bg); border-radius: var(--radius); padding: 1rem 1.25rem; margin: 0 0 1.5rem; }
.error-summary h2 { color: var(--error); margin: 0 0 0.5rem; font-size: var(--fs-lg); }
.error-summary ul { margin: 0; padding-left: 1.25rem; }
.error-summary a { color: var(--error); font-weight: 600; }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-note { max-width: 40rem; }

/* Footer: every line uses --fs-sm, the smallest size used anywhere on the site. */
.site-footer { background: var(--footer-bg); border-top: 1px solid var(--line); padding: 2rem 0 2.5rem; margin-top: 2rem; font-size: var(--fs-sm); color: var(--ink); line-height: 1.6; }
.site-footer p { margin: 0 0 0.75rem; }
.site-footer a { color: var(--brand-primary); }
.eho-line { display: flex; align-items: flex-start; gap: 0.6rem; }
.eho-line svg { width: 2.4rem; height: 2.4rem; flex: none; color: var(--ink); }
.mt0 { margin-top: 0; }
@media (max-width: 40rem) {
  table.stack thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  table.stack, table.stack tbody, table.stack tr, table.stack td { display: block; width: 100%; }
  table.stack tr { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 1rem; }
  table.stack td { border: 0; border-bottom: 1px solid var(--line); padding: 0.5rem 0.75rem; }
  table.stack td:last-child { border-bottom: 0; }
  table.stack td::before { content: attr(data-label); display: block; font-weight: 600; color: var(--brand-primary); }
}
.wrap.prose { max-width: var(--wrap); }
.wrap.prose > * { max-width: 46rem; }

/* Legal drafts */
.legal h2 { margin-top: 1.8em; }
.legal hr { border: 0; border-top: 1px solid var(--line); margin: 2rem 0; }
.legal .table-scroll, .wrap.prose.legal > .table-scroll { max-width: none; }
.legal th, .legal td { font-size: var(--fs-base); }
.legal td p { margin: 0; }
.ph.draft-note, .ph.drafting-notes { display: block; padding: 0.8rem 1rem; margin: 0 0 1.5rem; }
.ph.draft-note p:last-child, .ph.drafting-notes > :last-child { margin-bottom: 0; }
.ph.drafting-notes h2 { margin-top: 0; }
.ph .ph { border: 0; padding: 0; background: transparent; }
.logo img { display: block; height: 3rem; width: auto; }
.person-text { max-width: 46rem; }

/* ---- Brand guide pass (v1.0 DRAFT) ---- */
h1, h2, h3, .btn, label, legend, .logo, .nav-toggle, .site-nav a, .steps li::before, th { font-family: var(--heading-font); }
h1 { font-weight: 800; }
h2, h3 { font-weight: 700; }
label, legend, .site-nav a, th { font-weight: 700; }
.choice, .consent .choice { font-family: var(--brand-font); font-weight: 400; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }
input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }
.site-header { border-bottom: 3px solid var(--green); }
.header-row { min-height: 5rem; padding: 0.75rem 0; }
/* Logo clear space: X = 1/4 of the circle diameter (about 12px at this size); min width 120px. */
.logo { padding: 0.5rem 0.75rem 0.5rem 0; margin-left: 0; }
.logo img { height: 3.5rem; width: auto; }
.site-nav a:hover, .site-nav a[aria-current="page"] { text-decoration-color: var(--green); text-decoration-thickness: 3px; }
input[type="text"], input[type="email"], input[type="tel"], select, textarea { border-color: var(--field-line); }
.btn { font-weight: 700; }
.btn-secondary { background: var(--green); border-color: var(--green); color: var(--ink); }
.btn-secondary:hover { background: var(--green-dark); border-color: var(--green-dark); color: var(--ink); }
.steps li::before { background: var(--green); color: var(--ink); }
.card { border-top: 4px solid var(--green); }
.notice { border-left-color: var(--navy); background: var(--brand-tint); }
.notice-ok { border-left-color: var(--green); }
.hero, .page-head { background: var(--brand-tint); }
/* Footer: Navy band, reversed logo, White text and the HUD EHO logo in white. */
.site-footer { background: var(--footer-bg); color: #fff; border-top: 0; }
.site-footer a { color: #fff; text-decoration: underline; }
.site-footer a:hover { color: #fff; text-decoration-thickness: 2px; }
.site-footer :focus-visible { outline-color: #fff; }
.footer-logo { margin: 0 0 1.25rem; padding: 0.5rem 0; }
.footer-logo img { display: block; height: 3.5rem; width: auto; }
.eho-line img { width: auto; height: 2.25rem; flex: none; }
.eho-line { align-items: center; }

.hero .tagline { font-family: var(--heading-font); font-weight: 700; color: var(--navy); margin: 0 0 .5rem; }

/* Turnstile spam check (request form) */
.label-like { font-weight: 700; margin: 0 0 0.35rem; color: var(--ink); }
.cf-turnstile { min-height: 65px; }