/* v2 (2026-11-05): multi-division site. The Investment Program leads, then Remodeling and
   Material Delivery. Photo heroes, division cards, lead forms, debit card, full footer.
   Loads after main.css. */
:root{--ink-soft:#3a3a3a;--red-bright:#FF5A5D;--shadow:0 24px 60px -30px rgba(0,0,0,.45)}

/* photos */
.rr-img{display:block;width:100%;height:auto}
.rr-img-missing{display:block;background:linear-gradient(135deg,#2a2a2a,#151515);aspect-ratio:3/2}
.ph-frame{position:relative;overflow:hidden;border-radius:6px;box-shadow:var(--shadow);background:#222}
.ph-frame .rr-img,.ph-frame .rr-img-missing{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}

/* photo hero (home + division pages) */
.xhero{position:relative;background:var(--charcoal);color:#fff;overflow:hidden;isolation:isolate}
.xhero>.rr-img,.xhero>.rr-img-missing{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;aspect-ratio:auto}
.xhero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(20,20,20,.94) 0%,rgba(20,20,20,.82) 42%,rgba(20,20,20,.35) 100%)}
.xhero::after{content:none}
.xhero .wrap{padding-block:96px 128px}
.xhero .eyebrow{color:var(--red-bright)}
.xhero h1{font-size:clamp(34px,5.6vw,72px);margin-top:16px;max-width:13em;color:#fff}
.xhero h1 em{font-style:normal;color:var(--red-bright)}
.xhero .lede{color:#E2DFDA;max-width:36em}
.xhero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.7)}
.xhero .btn.ghost:hover{background:#fff;color:var(--charcoal)}
.xhero.short .wrap{padding-block:80px 88px}
.hero-facts{display:flex;flex-wrap:wrap;gap:10px 28px;margin:34px 0 0;padding:0;list-style:none;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#CFCBC4}
.hero-facts li{display:flex;align-items:center;gap:10px}
.hero-facts li::before{content:"";width:8px;height:8px;background:var(--red-bright);border-radius:50%}

/* division cards */
.divs{position:relative;z-index:2;margin-top:-64px}
.divs-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.div-card{background:#fff;border-radius:6px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;color:inherit;text-decoration:none;border:1px solid var(--rule)}
.div-card .ph{aspect-ratio:16/10;overflow:hidden;background:#222;display:block}
.div-card .ph .rr-img,.div-card .ph .rr-img-missing{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.div-card:hover .ph .rr-img{transform:scale(1.04)}
.div-body{padding:22px 22px 24px;display:flex;flex-direction:column;gap:10px;flex:1}
.div-body .k{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--red);font-weight:800;display:flex;align-items:center;flex-wrap:wrap;gap:8px}
.div-body h3{font-size:22px}
.div-body p{color:var(--ink-soft);font-size:15px}
.div-body .go{margin-top:auto;padding-top:8px;display:inline-flex;align-items:center;gap:8px;font-weight:800;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--red)}
.div-card.featured{border-top:5px solid var(--red)}
.pill{background:var(--red);color:#fff;padding:2px 9px;border-radius:999px;font-size:10px;letter-spacing:.1em}

/* feature rows: photo + copy */
.feature .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding-block:88px}
.feature.rev .feature-media{order:2}
.feature h2{font-size:clamp(26px,3.8vw,48px);margin-top:10px}
.feature p:not(.eyebrow){margin-top:14px;color:var(--ink-soft);max-width:34em}
.feature.paper{background:var(--paper);border-block:1px solid var(--rule)}
.checks{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:12px}
.checks li{display:grid;grid-template-columns:24px 1fr;gap:12px;align-items:start}
.checks li::before{content:"";width:20px;height:20px;margin-top:2px;border-radius:50%;background:var(--red) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='%23fff' d='M8.2 13.6 4.6 10l1.3-1.3 2.3 2.3 5.9-5.9 1.3 1.3z'/%3E%3C/svg%3E") center/16px no-repeat}
.checks b{display:block}
.checks span{color:var(--ink-soft);font-size:15px}
.dark .checks span{color:#C9C6C1}
.feature-media{position:relative}
.feature-tag{position:absolute;left:-14px;bottom:24px;background:var(--red);color:#fff;font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:12px;padding:10px 14px;border-radius:4px;box-shadow:var(--shadow)}

/* four-up value grid */
.vgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;margin-top:40px}
.v{background:#fff;border:1px solid var(--rule);border-radius:6px;padding:26px 22px;display:flex;flex-direction:column;gap:10px}
.v .n{font-weight:900;font-size:14px;color:var(--red);letter-spacing:.08em}
.v h3{font-size:19px;line-height:1.15}
.v p{color:var(--ink-soft);font-size:15px}
.dark{background:var(--charcoal);color:#fff}
.dark .sec-head p:not(.eyebrow){color:#D8D6D2}
.dark .eyebrow{color:var(--red-bright)}
.dark .v{background:#262626;border-color:#353535}
.dark .v .n{color:var(--red-bright)}
.dark .v p{color:#C9C6C1}
.dark .steps li::before{background:#3a3a3a}
.dark .steps li:last-child::before{background:var(--red)}
.dark .steps li::after{border-top-color:#444}
.dark .steps p{color:#C9C6C1}

/* story */
.story .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-block:88px}
.story h2{font-size:clamp(26px,3.8vw,48px);margin-top:10px}
.story p:not(.eyebrow){margin-top:16px;color:var(--ink-soft);font-size:17px;max-width:36em}
.values{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px;padding:0;list-style:none}
.values li{border:2px solid var(--charcoal);border-radius:999px;padding:8px 18px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:13px}

/* debit card */
.debit-card{position:relative;width:100%;max-width:400px;aspect-ratio:1.586;border-radius:18px;padding:22px 24px;color:#fff;display:flex;flex-direction:column;justify-content:space-between;
  background:radial-gradient(120% 140% at 100% 0%,#E2262B 0%,#B30F13 38%,#5E0709 70%,#1E1E1E 100%);box-shadow:0 30px 60px -24px rgba(0,0,0,.6),inset 0 1px 0 rgba(255,255,255,.25);overflow:hidden}
.debit-card::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,rgba(255,255,255,.05) 0 2px,transparent 2px 9px);pointer-events:none}
.dc-top,.dc-bot{display:flex;justify-content:space-between;align-items:center;position:relative;z-index:1}
.dc-brand{font-weight:900;text-transform:uppercase;letter-spacing:.04em;font-size:18px}
.dc-type{font-weight:800;font-size:12px;letter-spacing:.2em;opacity:.85}
.dc-chip{width:46px;height:34px;border-radius:6px;background:linear-gradient(135deg,#F5D98B,#C99A3B);position:relative;z-index:1;box-shadow:inset 0 0 0 1px rgba(0,0,0,.2)}
.dc-num{font-weight:700;font-size:clamp(15px,2.4vw,20px);letter-spacing:.14em;position:relative;z-index:1}
.dc-bot{font-size:12px;font-weight:700;letter-spacing:.12em}
.dc-mark{width:44px;height:28px;position:relative}
.dc-mark::before,.dc-mark::after{content:"";position:absolute;top:0;width:28px;height:28px;border-radius:50%}
.dc-mark::before{left:0;background:rgba(255,255,255,.85)}
.dc-mark::after{right:0;background:rgba(255,255,255,.45)}
.card-promo .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center;padding-block:80px}
.card-promo h2{font-size:clamp(26px,3.8vw,48px);margin-top:10px}
.card-promo p:not(.eyebrow){margin-top:14px;color:#D8D6D2;max-width:34em}
.card-stage{display:grid;place-items:center;padding:20px}
.card-stage .debit-card{transform:rotate(-6deg)}

/* forms */
.form-panel{background:#fff;border:1px solid var(--rule);border-top:6px solid var(--red);border-radius:6px;padding:30px;box-shadow:var(--shadow);color:var(--charcoal)}
.form-panel h2{font-size:clamp(22px,3vw,32px)}
.form-panel>p{margin-top:10px;color:var(--ink-soft)}
.rr-form{margin-top:22px}
.rr-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.rr-field{display:flex;flex-direction:column;gap:6px;min-width:0}
.rr-field.wide{grid-column:1/-1}
.rr-field label{font-weight:700;font-size:14px}
.rr-field .opt{font-weight:500;color:var(--steel)}
.rr-field input,.rr-field select,.rr-field textarea{width:100%;min-height:48px;border:1.5px solid #BDB8B0;border-radius:4px;padding:11px 12px;font:500 16px/1.35 var(--font);background:#fff;color:var(--charcoal)}
.rr-field textarea{resize:vertical;min-height:110px}
.rr-field input:focus,.rr-field select:focus,.rr-field textarea:focus{outline:3px solid rgba(201,20,24,.25);border-color:var(--red)}
.rr-field [aria-invalid="true"]{border-color:var(--red);background:#FFF6F6}
.rr-check{display:grid;grid-template-columns:24px 1fr;gap:10px;align-items:start;margin-top:18px;font-size:13px;color:var(--steel);cursor:pointer}
.rr-check input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--red)}
.rr-check a{color:var(--red-deep)}
.rr-form .btn{margin-top:20px}
.rr-form-err{background:#FFF0F0;border-left:4px solid var(--red);padding:12px 14px;font-weight:600;font-size:14px;margin-bottom:16px}
.rr-form-done{background:#EEF7F0;border-left:4px solid #1F7A3E;padding:18px;font-weight:700;margin-top:16px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.rr-form.compact{margin-top:0;display:grid;grid-template-columns:1fr auto;gap:0 12px;align-items:end}
.rr-form.compact .rr-grid{grid-template-columns:1fr 1.4fr}
.rr-form.compact .btn{margin-top:0}
.rr-form.compact .rr-form-err{grid-column:1/-1}
.apply .wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start;padding-block:88px}
.apply .sec-head h2{font-size:clamp(26px,3.8vw,48px)}
.apply-aside{display:grid;gap:4px;margin-top:22px}
.apply-aside a{font-weight:800;color:var(--charcoal);text-decoration:none;display:inline-flex;gap:10px;align-items:center;min-height:44px}
.apply-aside a svg{color:var(--red)}
.fine{font-size:13px;color:var(--steel);margin-top:18px;max-width:52em}

/* service cards */
.svc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:40px}
.svc{background:#fff;border:1px solid var(--rule);border-radius:6px;overflow:hidden;display:flex;flex-direction:column}
.svc .ph{aspect-ratio:16/10;overflow:hidden;background:#222}
.svc .ph .rr-img,.svc .ph .rr-img-missing{width:100%;height:100%;object-fit:cover}
.svc-body{padding:20px 22px 24px;display:flex;flex-direction:column;gap:8px}
.svc-body h3{font-size:20px}
.svc-body p{color:var(--ink-soft);font-size:15px}
.svc.text-only{border-top:5px solid var(--red)}

/* contact */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.reach{list-style:none;margin:22px 0 0;padding:0}
.reach li{border-bottom:1px solid var(--rule);padding:12px 0}
.reach b{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--steel)}
.reach a{font-weight:800;font-size:18px;color:var(--charcoal);text-decoration:none;display:inline-flex;min-height:44px;align-items:center;overflow-wrap:anywhere}
.reach a:hover{color:var(--red)}

/* footer */
.foot{background:#161616;color:#B9B6B1;font-size:14px}
.foot-card{background:var(--charcoal);border-bottom:1px solid #2c2c2c}
.foot-card-in{display:grid;grid-template-columns:auto 1fr 1.25fr;gap:28px 40px;align-items:center;padding-block:36px}
.mini-card{width:132px;aspect-ratio:1.586;border-radius:10px;background:radial-gradient(120% 140% at 100% 0%,#E2262B,#8E0B0E 60%,#1E1E1E);position:relative;box-shadow:0 14px 30px -14px rgba(0,0,0,.7);transform:rotate(-7deg)}
.mc-chip{position:absolute;left:12px;top:30px;width:20px;height:15px;border-radius:3px;background:linear-gradient(135deg,#F5D98B,#C99A3B)}
.mc-name{position:absolute;left:12px;top:9px;font-size:9px;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:#fff}
.mc-type{position:absolute;right:10px;bottom:9px;font-size:8px;font-weight:800;letter-spacing:.2em;color:#fff;opacity:.85}
.foot-card-copy h2{font-size:clamp(20px,2.4vw,28px);color:#fff;margin-top:6px}
.foot-card-copy p:not(.eyebrow){margin-top:6px;color:#C9C6C1}
.foot-card .eyebrow{color:var(--red-bright)}
.foot-card .rr-field label{color:#E6E4E0;font-size:13px}
.foot-card .rr-field input{background:#111;color:#fff;border-color:#4a4a4a}
.foot-card .rr-form-done{background:#1d2a20;color:#CDEBD4}
.foot-card .rr-form-err{background:#2a1515;color:#FFD6D6}
.foot-in{display:grid;grid-template-columns:1.5fr repeat(3,minmax(0,1fr));gap:32px;padding-block:56px 36px}
.foot-brand>p{margin-top:14px;max-width:26em;color:#B9B6B1}
.foot-contact{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:2px}
.foot-contact a,.fc-static{display:inline-flex;align-items:center;gap:10px;min-height:44px;color:#E6E4E0;text-decoration:none;font-weight:700;overflow-wrap:anywhere}
.foot-contact a:hover{color:#fff}
.foot-contact svg{color:var(--red-bright);flex:none}
.foot-social{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1.5px solid #3a3a3a;border-radius:50%;color:#E6E4E0;margin-top:14px}
.foot-social:hover{border-color:var(--red-bright);color:#fff}
.foot-col h2{font-size:12px;letter-spacing:.16em;color:#fff;font-weight:800;margin-bottom:10px}
.foot-col ul{list-style:none;margin:0;padding:0}
.foot-col a{display:flex;align-items:center;min-height:44px;color:#C9C6C1;text-decoration:none;font-weight:600}
.foot-col a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}
.foot-legal{border-top:1px solid #2c2c2c;padding-block:20px}
.foot-legal p{font-size:12px;line-height:1.6;color:#8E8A84;max-width:70em}
.foot-base{border-top:1px solid #2c2c2c;padding-block:18px 22px;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;font-size:13px}

/* v2 responsive */
@media (max-width:1180px){
  .nav-list a{padding:0 9px;font-size:13.5px}
}
@media (max-width:1100px){
  .nav-desk,.top-book{display:none}
  .menu-btn{display:flex}
  .top-actions{margin-left:auto}
}
@media (max-width:960px){
  .divs-grid,.svc-grid,.vgrid{grid-template-columns:1fr 1fr}
  .feature .wrap,.story .wrap,.card-promo .wrap,.apply .wrap,.contact-grid{grid-template-columns:1fr;gap:36px}
  .feature.rev .feature-media{order:0}
  .foot-in{grid-template-columns:1fr 1fr}
  .foot-brand{grid-column:1/-1}
  .foot-card-in{grid-template-columns:auto 1fr}
  .foot-card-form{grid-column:1/-1}
}
@media (max-width:640px){
  .xhero .wrap{padding-block:56px 100px}
  .xhero::before{background:rgba(20,20,20,.84)}
  .divs-grid,.svc-grid,.vgrid{grid-template-columns:1fr}
  .divs{margin-top:-60px}
  .feature .wrap,.story .wrap,.card-promo .wrap,.apply .wrap{padding-block:56px}
  .rr-grid{grid-template-columns:1fr}
  .rr-form.compact,.rr-form.compact .rr-grid{grid-template-columns:1fr}
  .rr-form.compact .btn{margin-top:14px;width:100%}
  .form-panel{padding:22px 18px}
  .feature-tag{left:10px}
  .card-stage .debit-card{transform:none}
  .foot-card-in{grid-template-columns:1fr}
  .mini-card{display:none}
  .foot-in{gap:8px 24px}
}
.feature h2 em,.sec-head h2 em{font-style:normal;color:var(--red)}
.dark .sec-head h2 em{color:var(--red-bright)}
.card-h1{font-size:clamp(32px,5vw,60px);margin-top:10px;color:#fff}
.paper-bg{background:var(--paper);border-top:1px solid var(--rule)}
.reach li>span{display:block;font-weight:700;font-size:16px;padding-top:6px}