/* Steve Brown Academy site styles.
   Layout (Ritchie's): a stack of full-width bands; offers sit in a grid that echoes the four-corner square.
   Brand layer (SBA Brand Playbook): four-color strip top left, Clarendon-style headings, Helvetica body,
   red #9A1B1F, black, grey #5E5E5E, light grey #D6D6D6. */
:root{
  --bg:#FFFFFF; --surface:#F4F2F2; --ink:#111010; --muted:#5E5E5E; --line:#D6D6D6;
  --accent:#9A1B1F; --accent-text:#9A1B1F; --on-accent:#FFFFFF; --accent-soft:#F6E6E7; --heading:#9A1B1F;
  --band:#000000; --band-ink:#FFFFFF; --band-muted:#D6D6D6; --band-line:#333030; --band-accent:#F08A8D;
  --strip-black:#000000; --strip-grey:#5E5E5E; --strip-light:#D6D6D6;
  --good:#2E6B3A;
  --display:'Besley','Clarendon','Clarendon BT',Georgia,serif; --body:'Helvetica Neue',Helvetica,Arial,sans-serif; --quote:Georgia,'Times New Roman',serif;
  color-scheme:light;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#141212; --surface:#1E1B1B; --ink:#F2EFEF; --muted:#B9B3B3; --line:#3B3636;
  --accent:#9A1B1F; --accent-text:#F08A8D; --on-accent:#FFFFFF; --accent-soft:#2B1718; --heading:#F2EFEF;
  --band:#000000; --band-ink:#FFFFFF; --band-muted:#C9C4C4; --band-line:#333030; --band-accent:#F08A8D;
  --strip-black:#F2EFEF; --strip-grey:#8F8A8A; --strip-light:#4A4545; --good:#7CC48A; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#141212; --surface:#1E1B1B; --ink:#F2EFEF; --muted:#B9B3B3; --line:#3B3636;
  --accent:#9A1B1F; --accent-text:#F08A8D; --on-accent:#FFFFFF; --accent-soft:#2B1718; --heading:#F2EFEF;
  --band:#000000; --band-ink:#FFFFFF; --band-muted:#C9C4C4; --band-line:#333030; --band-accent:#F08A8D;
  --strip-black:#F2EFEF; --strip-grey:#8F8A8A; --strip-light:#4A4545; --good:#7CC48A; color-scheme:dark}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6}
a{color:var(--accent-text)}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--accent-text);outline-offset:2px}
h1,h2,h3{font-family:var(--display);text-transform:uppercase;line-height:1.02;text-wrap:balance;margin:0;letter-spacing:.5px}
.wrap{max-width:1160px;margin:0 auto;padding-inline:20px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:2.4px;text-transform:uppercase;color:var(--accent-text);margin-bottom:10px}
.band .eyebrow{color:var(--band-accent)}
.lede{font-size:19px;max-width:62ch;color:var(--muted)}
.band{background:var(--band);color:var(--band-ink)}
.band .lede{color:var(--band-muted)}
section{padding-block:64px}
/* nav */
.nav{background:var(--band);color:var(--band-ink);border-bottom:1px solid var(--band-line)}
.nav .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;padding-block:14px}
.brand{display:flex;align-items:center;gap:12px;color:var(--band-ink);text-decoration:none}
.sq{width:30px;height:30px;display:grid;grid-template-columns:1fr 1fr;gap:3px;flex-shrink:0}
.sq i{display:block;background:var(--band-ink)}.sq i:nth-child(1),.sq i:nth-child(4){background:var(--accent)}
.brand b{font-family:var(--display);font-size:17px;letter-spacing:1.5px;text-transform:uppercase;display:block;line-height:1.1}
.brand small{font-size:12.5px;color:var(--band-muted)}
.nav nav{display:flex;flex-wrap:wrap;gap:6px}
.nav nav a{color:var(--band-ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 14px;border:1px solid var(--band-line)}
.nav nav a[aria-current]{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}
/* hero */
.hero{padding-block:72px 64px}
.hero h1{font-size:clamp(44px,7vw,88px);margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--band-accent)}
.creds{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}
.creds span{font-size:14px;font-weight:600;padding:7px 12px;border:1px solid var(--band-line);color:var(--band-ink)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;background:var(--accent);color:var(--on-accent);font-weight:700;font-size:16px;text-decoration:none;border:0;cursor:pointer;font-family:var(--body)}
.btn.ghost{background:transparent;color:inherit;border:1.5px solid currentColor}
.row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
/* policy strip */
.policy{background:var(--accent);color:var(--on-accent)}
.policy .wrap{padding-block:16px;display:flex;flex-wrap:wrap;gap:8px 24px;align-items:center;justify-content:space-between;font-weight:600}
.policy b{font-family:var(--display);text-transform:uppercase;letter-spacing:1px;font-size:18px}
/* toggle */
.toggle{display:inline-flex;border:1.5px solid var(--ink);margin-top:20px}
.toggle button{font:600 15px var(--body);padding:10px 16px;min-height:44px;background:transparent;color:var(--ink);border:0;cursor:pointer}
.toggle button[aria-pressed="true"]{background:var(--ink);color:var(--bg)}
/* offers */
.offers{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:2px;margin-top:32px;background:var(--line);border:1px solid var(--line)}
.offer{background:var(--surface);padding:28px;display:flex;flex-direction:column;gap:14px;min-width:0}
.offer.feature{background:var(--band);color:var(--band-ink)}
.offer .tier{font-size:12.5px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--accent-text)}
.offer.feature .tier{color:var(--band-accent)}
.offer h3{font-size:28px}
.price{font-family:var(--display);font-size:46px;font-weight:700;line-height:1;font-variant-numeric:tabular-nums}
.price small{font-family:var(--body);font-size:15px;font-weight:600;color:var(--muted);text-transform:none;letter-spacing:0;margin-left:4px}
.offer.feature .price small,.offer.feature .for,.offer.feature li{color:var(--band-muted)}
.alt{font-size:14.5px;color:var(--muted);font-weight:600;min-height:22px}
.offer.feature .alt{color:var(--band-muted)}
.for{color:var(--muted);font-size:16px;margin:0}
.offer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}
.offer li{padding-left:22px;position:relative;font-size:16px;color:var(--ink)}
.offer.feature li{color:var(--band-ink)}
.offer li::before{content:"";position:absolute;left:0;top:9px;width:9px;height:9px;background:var(--accent)}
.offer.feature li::before{background:var(--band-accent)}
.guarantee{border-top:1px solid var(--line);padding-top:14px;font-size:15px}
.offer.feature .guarantee{border-color:var(--band-line)}
.guarantee b{display:block;font-size:12.5px;letter-spacing:1.8px;text-transform:uppercase;color:var(--accent-text);margin-bottom:2px}
.offer.feature .guarantee b{color:var(--band-accent)}
.offer .btn{margin-top:auto}
/* small ladder */
.ladder{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));gap:16px;margin-top:28px}
.rung{border:1.5px solid var(--line);padding:20px;background:var(--surface)}
.rung .p{font-family:var(--display);font-size:30px;font-weight:700}
.rung h3{font-size:19px;margin:4px 0 6px}
.rung p{margin:0;color:var(--muted);font-size:15.5px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;padding:3px 8px;background:var(--accent-soft);color:var(--accent-text)}
/* findings */
.findings{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:2px;margin-top:28px;background:var(--band-line)}
.finding{background:var(--band);padding:26px}
.finding .n{font-family:var(--display);font-size:44px;color:var(--band-accent);line-height:1}
.finding h3{font-size:21px;margin:12px 0 8px;text-transform:none;font-family:var(--body);font-weight:700;letter-spacing:0}
.finding p{margin:0;color:var(--band-muted);font-size:16px}
/* quotes */
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:24px;margin-top:28px}
blockquote{margin:0;padding:0}
blockquote p{font-family:var(--quote);font-style:italic;font-size:20px;line-height:1.5;margin:0 0 10px}
blockquote footer{font-size:14.5px;color:var(--muted);font-weight:600}
/* table */
.tablebox{overflow-x:auto;margin-top:28px;border:1px solid var(--line);background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:560px;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:13px;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted)}
td.fee{font-family:var(--display);font-size:22px;font-weight:700;white-space:nowrap}
/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:16px;margin-top:28px;padding:0;list-style:none}
.steps li{counter-increment:s;border-top:3px solid var(--accent);padding-top:12px;font-size:16px}
.steps li::before{content:"Step " counter(s);display:block;font-size:12.5px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--accent-text);margin-bottom:4px}
.steps b{display:block;font-size:17px}
/* faq */
details{border-bottom:1px solid var(--line);padding-block:16px}
summary{font-weight:700;font-size:18px;cursor:pointer}
details p{margin:10px 0 0;color:var(--muted);max-width:70ch}
/* contact */
.contact{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:center;margin-top:20px;font-size:18px;font-weight:600}
.copy{font:600 14px var(--body);padding:8px 12px;min-height:40px;background:transparent;color:inherit;border:1.5px solid currentColor;cursor:pointer}
footer.site{border-top:1px solid var(--line);padding-block:28px;color:var(--muted);font-size:14.5px}
@media (prefers-reduced-motion:no-preference){.btn,.toggle button{transition:background .15s,color .15s}}

.panel{background:var(--surface);border:1px solid var(--line);padding:24px}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:20px}
label.f{display:block;font-weight:700;font-size:15px;margin-bottom:6px}
.fld{display:flex;flex-direction:column;gap:4px}
input.t,select.t,textarea.t{width:100%;min-height:46px;padding:10px 12px;border:1.5px solid var(--line);background:var(--bg);color:var(--ink);font:inherit}
.opts{display:flex;flex-direction:column;gap:8px}
.opt{display:flex;gap:12px;align-items:flex-start;border:1.5px solid var(--line);padding:14px;cursor:pointer;background:var(--bg)}
.opt input{margin-top:5px;accent-color:var(--accent);width:18px;height:18px}
.opt b{display:block}
.agree{max-height:520px;overflow:auto;border:1.5px solid var(--line);background:var(--bg);padding:22px;font-size:15.5px}
.agree h3{font-family:var(--body);text-transform:none;letter-spacing:0;font-size:16px;margin:18px 0 6px}
.agree h3:first-child{margin-top:0}
.agree p,.agree li{margin:0 0 8px}
.chk{display:flex;gap:10px;align-items:flex-start;margin:10px 0;font-size:15.5px}
.chk input{width:20px;height:20px;margin-top:3px;accent-color:var(--accent);flex-shrink:0}
.sig{font-family:'Lora',Georgia,serif;font-style:italic;font-size:22px}
.err{color:var(--accent-text);font-weight:600;font-size:15px;min-height:22px}
.stepper{display:flex;flex-wrap:wrap;gap:6px;margin-top:22px;padding:0;list-style:none}
.stepper li{font-size:13px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;padding:8px 12px;border:1px solid var(--band-line);color:var(--band-muted)}
.stepper li.on{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}
.stepper li.done{color:var(--band-ink)}
.sum{display:flex;flex-direction:column;gap:6px;font-size:15.5px}
.sum div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding-bottom:6px}
.sum div span:last-child{font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
.layout{display:flex;flex-wrap:wrap;gap:24px;align-items:flex-start}
.side{flex:1 1 220px;display:flex;flex-direction:column;gap:4px}
.side button{text-align:left;min-height:46px;padding:10px 14px;border:1px solid var(--line);background:var(--surface);color:var(--ink);font:600 16px var(--body);cursor:pointer}
.side button[aria-current="page"]{background:var(--ink);color:var(--bg);border-color:var(--ink)}
.content{flex:999 1 560px;min-width:0;display:flex;flex-direction:column;gap:20px}
.banner{background:var(--accent-soft);color:var(--accent-text);padding:12px 16px;font-weight:600;font-size:15px}
.ms{display:flex;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.ms input{width:22px;height:22px;accent-color:var(--accent)}
.sig-table{width:100%;min-width:560px;border-collapse:collapse;font-size:15px}
.sig-table td{padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.kind{font-size:12px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;padding:3px 8px;white-space:nowrap}
.kind.asset{background:#E3F0E5;color:#1F4D29}.kind.break{background:var(--accent-soft);color:var(--accent-text)}.kind.fix{background:#E4ECF5;color:#1F3F66}
.sq4{display:grid;grid-template-columns:1fr 1fr;gap:4px;max-width:420px}
.sq4 .c{position:relative;height:130px;border:1px solid var(--line);background:var(--surface);overflow:hidden}
.sq4 .c .f{position:absolute;left:0;right:0;bottom:0;opacity:.3}
.sq4 .c .i{position:relative;padding:12px;height:100%;display:flex;flex-direction:column;justify-content:space-between}
input[type=range]{width:100%;accent-color:var(--accent);height:28px}

/* ---------- SBA brand layer ---------- */
:root{padding-block:env(safe-area-inset-top,0px) env(safe-area-inset-bottom,0px)}
img{max-width:100%}
[hidden]{display:none!important}
body{font-size:1.0625rem;line-height:1.55}
h1,h2,h3{font-family:var(--display);font-weight:700;text-transform:none;letter-spacing:0;line-height:1.12}
h1,h2{color:var(--heading)}
.band h1,.band h2{color:inherit}
.hero h1{font-size:clamp(2.3rem,5.6vw,4.1rem);line-height:1.05}
.eyebrow{font-size:.74rem;letter-spacing:.16em}
.strip{display:flex}
.strip i{display:block;width:3.2rem;height:.5rem}
.strip i:nth-child(1){background:var(--accent)}
.strip i:nth-child(2){background:var(--strip-black)}
.strip i:nth-child(3){background:var(--strip-grey)}
.strip i:nth-child(4){background:var(--strip-light)}
.nav{background:var(--bg);color:var(--ink);border-bottom:1px solid var(--line)}
.nav .wrap{padding-block:1rem}
.brand img{height:3.4rem;width:auto;display:block}
.brand img.logo-dark,footer.site img.logo-dark{display:none}
.nav nav{gap:2px}
.nav nav a{color:var(--muted);border:0;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;padding:.75rem .7rem}
.nav nav a:hover{color:var(--ink)}
.nav nav a[aria-current]{background:none;color:var(--ink);box-shadow:inset 0 -3px 0 var(--accent)}
.policy b{text-transform:none;letter-spacing:0;font-size:1.1rem}
.brand b{text-transform:none;letter-spacing:0}
.offer h3{font-size:1.5rem;line-height:1.15}
.price{font-size:2.4rem}
.rung h3{font-size:1.1rem}
.finding .n{font-size:2rem;line-height:1.1}
td.fee{font-size:1.25rem}
blockquote p{font-size:1.15rem}
.btn:hover{filter:brightness(1.12)}
.btn.ghost:hover{filter:none;background:color-mix(in srgb,currentColor 9%,transparent)}
footer.site .wrap{display:flex;flex-wrap:wrap;gap:1rem 1.5rem;align-items:center}
footer.site img{height:2.2rem;width:auto;display:block}
footer.site p{margin:0;flex:1 1 28rem;min-width:0}
.notice{background:var(--surface);border-bottom:1px solid var(--line);color:var(--muted);font-size:.92rem}
.notice .wrap{padding-block:.7rem}
.notice b{color:var(--ink)}
.offer.feature a:not(.btn){color:var(--band-accent)}
.guides{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.camps .rung{border-style:dashed}
/* offer grids always fill their last row: 5 cards run 3 + 2, 4 cards run 2 + 2 */
@media (min-width:62rem){.offers.five{grid-template-columns:repeat(6,1fr)}.offers.five>*{grid-column:span 2}.offers.five>*:nth-child(n+4){grid-column:span 3}}
@media (min-width:42rem) and (max-width:61.99rem){.offers.five{grid-template-columns:repeat(2,1fr)}.offers.five>*:last-child{grid-column:span 2}}
@media (min-width:42rem){.offers.four{grid-template-columns:repeat(2,1fr)}}
summary{padding-block:.65rem}
details{padding-block:.45rem}
.offer>a:not(.btn){padding-block:.7rem}
html{-webkit-text-size-adjust:100%}
/* ---------- phones: one-row nav, tighter bands, full-width buttons, tables stacked as cards ---------- */
@media (max-width:40rem){
  section{padding-block:2.75rem}
  .hero{padding-block:2.6rem 2.4rem}
  .nav .wrap{padding-block:.7rem 0;gap:.2rem}
  .brand img{height:2.8rem}
  .nav nav{width:100%;flex-wrap:nowrap;justify-content:space-between;gap:0}
  .nav nav a{font-size:.66rem;letter-spacing:.06em;padding:.95rem .25rem;white-space:nowrap}
  .nav nav .wide{display:none}
  .policy .wrap{padding-block:.6rem;font-size:.88rem;gap:.1rem 1rem}
  .policy b{font-size:1rem}
  .lede{font-size:1.06rem}
  .offer{padding:1.25rem}
  .panel{padding:1.1rem}
  .row .btn,.guides .btn{flex:1 1 100%}
  .contact{font-size:1rem;gap:.6rem 1rem}
  .side{flex:1 1 100%;flex-direction:row;overflow-x:auto;gap:6px;padding-bottom:4px}
  .side button{flex:0 0 auto;white-space:nowrap}
  .tablebox table,.tablebox tbody,.sig-table{display:block;min-width:0}
  .tablebox thead{position:absolute;left:-999rem}
  .tablebox tr{display:block;padding:.8rem 1rem;border-bottom:1px solid var(--line)}
  .tablebox tr:last-child{border-bottom:0}
  .tablebox td,.sig-table td{display:block;padding:.15rem 0;border:0}
  td.fee{white-space:normal}
  .agree{max-height:60vh;padding:1rem}
  .stepper li{padding:.5rem .6rem;font-size:.7rem}
}
main.prose{max-width:680px;margin:0 auto;padding-inline:20px;padding-block:40px}
main.prose h1{font-size:2.1rem;margin-bottom:6px}
main.prose h2{font-family:var(--body);font-size:1.15rem;color:var(--ink);margin:28px 0 6px}
.muted{color:var(--muted)}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .logo-light{display:none}
  :root:not([data-theme="light"]) img.logo-dark{display:block}
}
:root[data-theme="dark"] .logo-light{display:none}
:root[data-theme="dark"] img.logo-dark{display:block}