/* Delvin Union - warm community credit union.
   Terracotta + teal, Bitter slab headings, Source Sans body, 10px soft corners,
   photo-forward, friendly. Animated interlocking rings (people + lenders, joined). */
:root{
  --ink:#2b2117; --body:#4a3f32; --muted:#7a6a58;
  --paper:#fbf6ef; --surface:#ffffff; --panel:#f3ebdf;
  --rule:#ead9c6; --rule-2:#dcc9b2;
  --terra:#a3421f; --terra-press:#8f3a1c; --terra-soft:#f7e2d6;
  --teal:#2a9d8f; --teal-press:#145d54; --teal-soft:#d9efea;
  --ink-warm:#241a10;
  --on-dark:#f6ede1; --on-dark-dim:#d9c6ad;
  --r:10px; --r-lg:18px; --pill:999px;
  --display:'Bitter',Georgia,serif;
  --sans:'Source Sans 3',system-ui,-apple-system,sans-serif;
  --maxw:1160px; --narrow:740px;
  --ease-out:cubic-bezier(0.23,1,0.32,1);
  --ease-spring:cubic-bezier(0.34,1.4,0.64,1);
  --shadow:0 16px 40px -18px rgba(80,50,20,.4);
  --shadow-sm:0 4px 14px -8px rgba(80,50,20,.3);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scrollbar-color:var(--terra) var(--panel);caret-color:var(--terra)}
body{margin:0;font-family:var(--sans);color:var(--body);background:var(--paper);font-size:17.5px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--terra);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:3px}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.12;color:var(--ink);margin:0 0 .5em;letter-spacing:-.01em}
strong{color:var(--ink)}
::selection{background:var(--terra);color:#fff}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:6px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 30px;width:100%}
.wrap-narrow{max-width:var(--narrow);margin:0 auto;padding:0 30px;width:100%}
.vh{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.ast{color:var(--terra);font-weight:700}
.eyebrow{display:none}
.section-h{font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:8px}
.lede{font-size:18.5px;color:var(--muted);max-width:60ch;margin:0 0 34px}

/* Buttons - soft rounded */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);font-weight:600;font-size:16.5px;
  padding:14px 28px;border:2px solid transparent;border-radius:var(--r);cursor:pointer;line-height:1.1;
  transition:transform 180ms var(--ease-spring),background-color 160ms,box-shadow 200ms,color 160ms}
.btn:active{transform:scale(.97)}
.btn-primary{background:var(--terra);color:#fff;box-shadow:0 8px 18px -8px rgba(192,83,43,.6)}
.btn-primary:hover{background:var(--terra-press);color:#fff;text-decoration:none;transform:translateY(-2px)}
.btn-teal{background:var(--teal-press);color:#fff}
.btn-teal:hover{background:#0f4b43;color:#fff;text-decoration:none}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--rule-2)}
.btn-ghost:hover{border-color:var(--terra);color:var(--terra);text-decoration:none}
.btn-block{display:flex;width:100%}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}

/* Masthead */
.masthead{position:sticky;top:0;z-index:30;background:rgba(251,246,239,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--rule)}
.mast-inner{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.mark{display:flex;align-items:center;gap:10px;color:var(--ink)}
.mark:hover{text-decoration:none}
.mark-glyph{display:block;flex:none}
.mark-word{font-family:var(--display);font-weight:700;font-size:20px}
.mast-nav{display:flex;align-items:center;gap:28px}
.mast-nav a{color:var(--body);font-size:15.5px;font-weight:500}
.mast-nav a:hover{color:var(--ink)}
.mast-cta{background:var(--terra);color:#fff!important;padding:10px 20px;border-radius:var(--r);font-weight:600}
.mast-cta:hover{background:var(--terra-press);text-decoration:none}
.ic{width:20px;height:20px;flex:none;display:inline-block;vertical-align:middle}

/* HERO - photo-forward, warm, with animated rings overlapping the photo */
.hero{background:linear-gradient(180deg,#fff,var(--paper));border-bottom:1px solid var(--rule);overflow:hidden}
.hero-inner{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center;padding:76px 30px}
.hero-h1{font-size:clamp(2.3rem,4.4vw,3.6rem);line-height:1.08;margin:0 0 18px;max-width:15ch}
.hero-sub{font-size:19px;color:var(--muted);max-width:46ch;margin:0 0 28px}
.hero-form{max-width:520px}
.amount-note{font-size:12px;color:var(--muted);max-width:48ch;margin:16px 0 0;line-height:1.5}
.hero-media{position:relative}
.hero-media img{border-radius:var(--r-lg);border:6px solid #fff;box-shadow:var(--shadow);aspect-ratio:5/4;object-fit:cover;width:100%}
.hero-rings{position:absolute;left:-26px;bottom:-26px;width:120px;height:100px}
.hr-ring{fill:none;stroke-width:5;stroke-dasharray:300;stroke-dashoffset:300;animation:ringDraw 1.3s var(--ease-out) forwards}
.hr-a{stroke:var(--terra)}
.hr-b{stroke:var(--teal);animation-delay:.3s}
.hero-rings .link{opacity:0;animation:fadeIn .5s ease 1.4s forwards;transform-origin:center;animation-name:ringPulse;animation-duration:3.4s;animation-iteration-count:infinite;animation-delay:1.4s}
@keyframes ringDraw{to{stroke-dashoffset:0}}
@keyframes ringPulse{0%,100%{opacity:.85}50%{opacity:.35}}
@keyframes fadeIn{to{opacity:1}}
@keyframes spin{to{transform:rotate(360deg)}}

/* Lead form */
.lead-form{margin:0}
.form-title{font-size:16px;color:var(--ink);margin:0 0 10px;font-weight:600;font-family:var(--display)}
.field-row{display:flex;gap:10px}
.field-row input[type=email]{flex:1;min-width:0;font-family:var(--sans);font-size:16.5px;padding:15px 16px;border:2px solid var(--rule-2);background:#fff;border-radius:var(--r);color:var(--ink)}
.field-row input[type=email]::placeholder{color:#a8977f}
.field-row input[type=email]:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-soft)}
.field-row .btn{white-space:nowrap}
.consent{font-size:12px;color:var(--muted);margin:12px 2px 0;line-height:1.5}

/* Trust chips strip */
.stat-strip{padding:60px 0 6px}
.strip-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.strip-item{background:var(--surface);border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px 20px;transition:transform 200ms var(--ease-out),box-shadow 200ms}
.strip-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm)}
.strip-ic{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--teal-soft);color:var(--teal-press);margin-bottom:14px}
.strip-ic .ic{width:22px;height:22px}
.strip-item span{display:block;font-family:var(--display);font-weight:700;font-size:16.5px;color:var(--ink)}
.strip-item small{display:block;color:var(--muted);font-size:13.5px;margin-top:6px;line-height:1.45}

.uses,.steps,.tips,.guides-home,.faq{padding:80px 0}
.steps,.guides-home{background:var(--panel)}

/* Uses - soft cards, warm alternating accents */
.uses-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:30px}
.uses-list{display:contents}
.use{background:var(--surface);border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px;border-top:4px solid var(--terra);transition:transform 200ms var(--ease-out),box-shadow 200ms}
.use:nth-child(even){border-top-color:var(--teal)}
.use:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.use h3{font-size:17px;margin-bottom:6px}
.use p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.5}
.uses-aside{display:none}

/* Steps - ring-icon cards */
.steps-row{list-style:none;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{background:var(--surface);border:1px solid var(--rule);border-radius:var(--r-lg);padding:28px}
.step-n{display:none}
.step-ic{display:inline-flex;align-items:center;justify-content:center;width:54px;height:54px;border-radius:50%;background:var(--terra-soft);color:var(--terra);margin-bottom:16px}
.step-ic .ic{width:25px;height:25px}
.step h3{font-size:19px;margin-bottom:8px}
.step p{color:var(--muted);font-size:15px;margin:0}

/* Tips - warm list rows */
.tips-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:28px}
.tip{display:flex;align-items:center;gap:14px;background:var(--surface);border:1px solid var(--rule);border-radius:var(--r);padding:16px 20px;color:var(--ink);font-weight:500;transition:transform 180ms var(--ease-spring),border-color 180ms}
.tip:hover{text-decoration:none;border-color:var(--teal);transform:translateX(4px)}
.tip::before{content:"";width:12px;height:12px;border-radius:50%;background:var(--teal);flex:none}
.tip-n{display:none}
.tip-t{font-size:15.5px}

/* Guides - photo cards */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}
.guide-card{display:block;background:var(--surface);border:1px solid var(--rule);border-radius:var(--r-lg);overflow:hidden;color:var(--ink);transition:transform 220ms var(--ease-out),box-shadow 220ms}
.guide-card:hover{text-decoration:none;transform:translateY(-6px);box-shadow:var(--shadow)}
.guide-card img{border-bottom:1px solid var(--rule)}
.guide-card-body{padding:18px 20px 22px}
.guide-card-body h2,.guide-card-body h3{font-size:18px;margin:10px 0 0;line-height:1.25}
.guide-card-body p{color:var(--muted);font-size:14.5px;margin:8px 0 0}
.read-time{font-family:var(--sans);text-transform:uppercase;letter-spacing:.08em;font-size:11px;font-weight:600;color:var(--teal-press)}

/* FAQ - soft accordions */
.faq-list{display:flex;flex-direction:column;gap:12px;margin-top:30px;max-width:840px}
.faq-item{background:var(--surface);border:1px solid var(--rule);border-radius:var(--r);overflow:hidden}
.faq-item[open]{border-color:var(--terra)}
.faq-item summary{cursor:pointer;list-style:none;padding:20px 22px;font-family:var(--display);font-size:18px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:18px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";color:var(--terra);font-size:24px;transition:transform 220ms var(--ease-spring)}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-a{padding:0 22px 22px;color:var(--body);max-width:68ch}
.faq-a a{color:var(--terra)}

/* Bottom CTA - warm terracotta panel */
.bottom-cta{padding:40px 0 86px}
.bottom-cta .wrap-narrow{background:linear-gradient(140deg,var(--terra),#8f3a1c);border-radius:var(--r-lg);padding:52px 44px;text-align:center;box-shadow:var(--shadow)}
.bottom-cta h2{color:#fff;font-size:clamp(1.7rem,3.2vw,2.4rem)}
.bottom-cta p{color:var(--on-dark-dim);font-size:18px;margin:0 0 26px}
.bottom-cta .lead-form{max-width:520px;margin:0 auto}
.bottom-cta .form-title{color:#fff}
.bottom-cta .field-row input{background:#fff;border-color:transparent}
.bottom-cta .field-row .btn-primary{background:var(--teal-press)}
.bottom-cta .field-row .btn-primary:hover{background:#0f4b43}
.bottom-cta .consent{color:var(--on-dark-dim)}
.bottom-cta .consent a{color:#fff;text-decoration:underline}

/* Footer */
.site-foot{padding:56px 0 64px;background:var(--ink-warm);color:var(--on-dark-dim)}
.foot-rule{height:1px;background:rgba(255,255,255,.1);margin-bottom:28px}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 22px;margin-bottom:22px}
.foot-links a{color:var(--on-dark-dim);font-size:13.5px}
.foot-links a:hover{color:#fff}
.foot-disc{color:var(--on-dark-dim);font-size:13px;max-width:78ch;line-height:1.6}
.foot-meta{color:#fff;font-size:13px;margin-top:16px;font-weight:500}
.foot-credit{color:rgba(255,255,255,.45);font-size:11.5px;margin-top:10px;line-height:1.5;max-width:90ch}

/* Legal + prose */
.legal,.guide{padding:54px 0 70px}
.legal h1,.guide h1{font-size:clamp(1.9rem,3.4vw,2.5rem);margin-bottom:14px}
.legal h2{font-size:22px;margin-top:32px}
.legal .eff{color:var(--muted);font-size:14px}
.legal p,.legal li{color:var(--body)}
.legal-foot{margin-top:36px;padding-top:18px;border-top:1px solid var(--rule);color:var(--muted);font-size:13px}
.back-link{display:inline-block;margin-bottom:18px;font-size:14px;color:var(--terra)}
.contact-list{line-height:2}
.stack-form{display:flex;flex-direction:column;gap:8px;max-width:460px;margin:20px 0}
.stack-form label{font-weight:600;font-size:14px;margin-top:8px;color:var(--ink)}
.stack-form input,.stack-form select,.stack-form textarea{font-family:var(--sans);font-size:16px;padding:12px 15px;border:2px solid var(--rule-2);background:#fff;border-radius:var(--r)}
.stack-form input:focus,.stack-form select:focus,.stack-form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-soft)}
.stack-form .check{display:flex;flex-direction:row;align-items:center;gap:8px;font-weight:400}
.stack-form .btn{margin-top:14px;align-self:flex-start}
.note{padding:12px 16px;border:1px solid var(--rule);background:var(--surface);font-size:14.5px;margin:16px 0;border-radius:var(--r)}
.note.ok{border-color:var(--teal);color:var(--teal-press);background:var(--teal-soft)}
.fine{font-size:13px;color:var(--muted)}
.guide .dek{font-size:19px;color:var(--muted);margin-bottom:10px;max-width:65ch}
.guide .read-time{display:block;margin-bottom:22px}
.guide-hero{margin:0 0 32px}
.guide-hero img,.guide-fig img{border-radius:var(--r-lg);border:1px solid var(--rule)}
.guide-hero figcaption,.guide-fig figcaption{font-size:12px;color:var(--muted);margin-top:8px}
.guide-fig{margin:34px 0}
.prose{max-width:68ch}
.prose p{margin:0 0 20px;font-size:17.5px;color:var(--body);line-height:1.75}
.prose h2{font-size:23px;margin:38px 0 14px}
.guide-cta{margin-top:44px;padding:32px;border-radius:var(--r-lg);background:linear-gradient(140deg,var(--terra),#8f3a1c);color:#fff}
.guide-cta h2{color:#fff}.guide-cta p{color:var(--on-dark-dim);margin:0 0 18px}
.guide-cta .field-row input{background:#fff;border-color:transparent}
.guide-cta .field-row .btn-primary{background:var(--teal-press)}
.guide-cta .form-title,.guide-cta .consent{color:#fff}
.guides-index{padding:54px 0 70px}
.guides-index h1{font-size:clamp(2rem,3.6vw,2.6rem)}
.guides-index .guide-grid{margin-top:34px}

/* Gate + chat */
body.bare{background:var(--panel)}
.gate-screen{min-height:100dvh;display:flex;align-items:center;justify-content:center;padding:24px;background:var(--panel)}
.gate-card{max-width:450px;text-align:center;background:var(--surface);border-radius:var(--r-lg);padding:46px 36px;box-shadow:var(--shadow)}
.gate-card h1{font-size:24px;margin-bottom:10px}
.gate-card p{color:var(--muted);margin:0}
.spinner{width:40px;height:40px;margin:0 auto 24px;border:3px solid var(--terra-soft);border-top-color:var(--terra);border-radius:50%;animation:spin 1s linear infinite}
.chat-screen{min-height:100dvh;display:flex;align-items:center;justify-content:center;padding:24px;background:var(--panel)}
.chat-card{width:100%;max-width:460px;background:var(--surface);display:flex;flex-direction:column;overflow:hidden;border-radius:var(--r-lg);box-shadow:var(--shadow)}
.chat-head{display:flex;align-items:center;gap:14px;padding:18px 22px;border-bottom:1px solid var(--rule);background:var(--panel)}
.chat-avatar{width:52px;height:52px;border-radius:50%;object-fit:cover;border:3px solid var(--teal)}
.chat-id{display:flex;flex-direction:column}
.chat-name{font-family:var(--display);font-weight:700;font-size:17px}
.chat-status{display:flex;align-items:center;gap:7px;font-size:13px;color:var(--teal-press)}
.chat-status .dot{width:8px;height:8px;border-radius:50%;background:var(--teal);display:inline-block}
.chat-log{padding:24px 22px;display:flex;flex-direction:column;gap:12px;min-height:220px}
.bubble{max-width:85%;padding:12px 16px;font-size:15.5px;line-height:1.45;border-radius:16px}
.bubble.in{align-self:flex-start;background:var(--panel);color:var(--ink);border-bottom-left-radius:5px}
.bubble.out{border-bottom-right-radius:5px}
.bubble.typing{color:var(--muted);font-style:italic}
.chat-form{display:flex;gap:8px;padding:16px 18px;border-top:1px solid var(--rule)}
.chat-form input{flex:1;min-width:0;font-family:var(--sans);font-size:16px;padding:12px 15px;border:2px solid var(--rule-2);background:#fff;border-radius:var(--r)}
.chat-form input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-soft)}
.matches,.residency,.confirm,.notfound{padding:54px 0 70px}
.confirm-banner{background:var(--teal-soft);color:var(--teal-press);padding:14px 18px;text-align:center;font-weight:600;margin-bottom:30px;border-radius:var(--r)}
.match-list{display:flex;flex-direction:column;gap:12px}
.match-row{display:flex;align-items:center;justify-content:space-between;gap:20px;background:var(--surface);padding:22px 24px;border:1px solid var(--rule);border-radius:var(--r-lg)}
.match-text h2{font-size:18px;margin:0 0 4px}
.match-text p{margin:0;color:var(--muted);font-size:15px}
.choice-row{display:flex;flex-direction:column;gap:14px;max-width:460px}
.choice-row form{margin:0}

main>section{transition:opacity .6s var(--ease-out),transform .6s var(--ease-out)}
body.reveal-ready main>section:not(.hero):not(.is-revealed){opacity:0;transform:translateY(26px)}

@media (max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:34px;padding:56px 30px}
  .hero-media{max-width:520px}
  .uses-grid{grid-template-columns:repeat(2,1fr)}
  .steps-row{grid-template-columns:1fr}
  .guide-grid{grid-template-columns:1fr 1fr}
  .strip-inner{grid-template-columns:1fr 1fr}
  .tips-grid{grid-template-columns:1fr}
}
@media (max-width:560px){
  .wrap,.wrap-narrow{padding:0 20px}
  .uses-grid,.guide-grid,.strip-inner{grid-template-columns:1fr}
  .field-row{flex-direction:column}.field-row .btn{width:100%}
  .mast-nav{gap:14px}.mast-nav a:not(.mast-cta){display:none}
  .match-row{flex-direction:column;align-items:flex-start}.match-row .btn{width:100%}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;scroll-behavior:auto}
  .hr-ring{stroke-dashoffset:0}
  body.reveal-ready main>section{opacity:1!important;transform:none!important}
}