/* The Business Funding Club. Tokens from tbfc-brand-guidelines.md (binding). Institutional and square-edged:
   rules and borders rather than shadows and gradients. Two documented contrast deviations from website/README.md:
   disclosure text on light surfaces uses #636C6F (Steel on Paper is ~2.3:1), and stat figures on Slate use #8FB4D4. */
@font-face{font-family:"Barlow";font-weight:600;font-style:normal;font-display:swap;src:url(/assets/fonts/barlow-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Barlow";font-weight:700;font-style:normal;font-display:swap;src:url(/assets/fonts/barlow-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Inter";font-weight:100 900;font-style:normal;font-display:swap;src:url(/assets/fonts/inter-latin-wght-normal.woff2) format("woff2")}
@font-face{font-family:"IBM Plex Mono";font-weight:500;font-style:normal;font-display:swap;src:url(/assets/fonts/ibm-plex-mono-latin-500-normal.woff2) format("woff2")}

:root{
  --slate:#131A1C;--paper:#F7F7F5;--concrete:#E8EAE9;--steel:#9AA3A6;--steel-dk:#636C6F;
  --green:#1F6F5C;--green-dk:#185848;--blueprint:#24435C;--amber:#C87A2C;--error:#8C3B2E;--figure-rev:#8FB4D4;
  --rule:#D3D7D6;--rule-dk:#2A3437;
  --head:"Barlow",Arial,sans-serif;--body:"Inter",Helvetica,Arial,sans-serif;--mono:"IBM Plex Mono",Consolas,monospace;
  --wrap:1180px;--narrow:780px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:16px}
body{margin:0;background:var(--paper);color:var(--slate);font:400 16px/1.6 var(--body);text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--green);text-underline-offset:2px}
a:hover{color:var(--green-dk)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
h1,h2,h3{font-family:var(--head);font-weight:600;line-height:1.15;letter-spacing:.1px;margin:0 0 .5em}
h1{font-size:clamp(32px,5vw,48px)}
h2{font-size:clamp(26px,3.4vw,34px)}
h3{font-size:clamp(20px,2.2vw,24px)}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1em}
li{margin:.25em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:var(--narrow)}
.section-pad{padding-top:48px;padding-bottom:56px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:50;background:var(--paper);padding:8px 12px}
.ico{width:18px;height:18px;flex:none;vertical-align:-3px;stroke-width:2}
.eyebrow{font:500 12px/1.2 var(--mono);letter-spacing:1.4px;text-transform:uppercase;color:var(--green);margin:0 0 12px}
.lede{font-size:18px;line-height:1.55;max-width:46em}
.lede-sm{max-width:46em;color:#38423F}

/* disclosure strip and header */
.affil{background:var(--concrete);border-bottom:1px solid var(--rule);font-size:13px;line-height:1.5;color:#3C4643}
.affil p{margin:0;padding:8px 0}
.site-header{background:var(--slate);color:var(--paper);position:relative;z-index:20}
.header-row{display:flex;align-items:center;gap:20px;min-height:64px}
.logo{display:inline-flex;align-items:center;gap:10px;color:var(--paper);text-decoration:none;font:600 19px/1 var(--head);letter-spacing:.3px}
.logo:hover{color:var(--paper)}
.logo .mark{color:var(--paper)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--rule-dk);color:var(--paper);font:500 14px var(--body);padding:8px 12px;align-items:center;gap:6px;cursor:pointer}
.site-nav{margin-left:auto}
.nav-top{list-style:none;display:flex;gap:4px;margin:0;padding:0;align-items:center}
.nav-top>li{margin:0;position:relative}
.nav-top a,.nav-top summary{display:block;color:var(--paper);text-decoration:none;font-size:14.5px;font-weight:500;padding:10px 10px;cursor:pointer}
.nav-top summary{list-style:none}
.nav-top summary::-webkit-details-marker{display:none}
.nav-top summary::after{content:"";display:inline-block;margin-left:6px;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-3px)}
.nav-top a:hover,.nav-top summary:hover{color:#BFE3D7}
.menu{list-style:none;margin:0;padding:8px 0;position:absolute;top:100%;left:0;min-width:250px;background:var(--slate);border:1px solid var(--rule-dk);border-top:3px solid var(--green)}
.menu a{display:flex;gap:10px;align-items:center;padding:8px 16px}
.menu .ico{color:var(--figure-rev)}

/* hero */
.hero,.phero{background:var(--slate);color:var(--paper);position:relative;overflow:hidden}
.hero-banner,.phero-banner{position:relative}
.hero-text{position:relative;z-index:2;padding:56px 20px 48px;width:100%}
.phero-text{position:relative;z-index:2;padding:36px 20px 40px;width:100%}
.hero h1,.phero h1{max-width:15em;text-shadow:0 1px 18px rgba(19,26,28,.6)}
.hero .lede,.phero .lede{color:#DCE1DF;text-shadow:0 1px 14px rgba(19,26,28,.6)}
.hero .eyebrow,.phero .eyebrow{color:#7FCBB2}
.hero a:not(.cta),.phero a:not(.cta){color:#BFE3D7}
.hero-figure,.page-figure{margin:0}
@media (min-width:700px){
  .hero-banner{min-height:clamp(440px,42vw,600px);display:flex;align-items:center}
  .phero.has-img .phero-banner{min-height:clamp(380px,36vw,500px);display:flex;align-items:center}
  .hero-figure,.page-figure{position:absolute;inset:0 0 0 auto;width:72%}
  .hero-img,.page-img{width:100%;height:100%;object-fit:cover;
    -webkit-mask-image:linear-gradient(to right,transparent 0,#000 46%),linear-gradient(to top,transparent 0,#000 22%);
    -webkit-mask-composite:source-in;mask-image:linear-gradient(to right,transparent 0,#000 46%),linear-gradient(to top,transparent 0,#000 22%);mask-composite:intersect}
  .hero-text>*,.phero.has-img .phero-text>*{max-width:620px}
}
@media (max-width:699px){
  .hero-img,.page-img{width:100%;aspect-ratio:16/9;object-fit:cover;-webkit-mask-image:linear-gradient(to top,transparent 0,#000 35%);mask-image:linear-gradient(to top,transparent 0,#000 35%)}
  .hero-text,.phero-text{padding-top:4px}
}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 18px;font-size:13px}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--steel)}
.crumbs [aria-current]{color:var(--steel)}

/* calls to action */
.cta{display:inline-flex;align-items:center;gap:10px;background:var(--green);color:#fff;font:600 17px/1 var(--head);letter-spacing:.3px;
  text-decoration:none;padding:15px 22px;border:0;border-radius:2px;cursor:pointer}
.cta:hover{background:var(--green-dk);color:#fff}
.cta .ico{width:18px;height:18px}
.cta-block{margin:24px 0 0}
.disclose{font-size:13.5px;line-height:1.5;margin:12px 0 0;color:var(--steel-dk);max-width:40em}
.hero .disclose,.phero .disclose,.band-slate .disclose{color:#AEB7B9}
.alt-path{font-size:14px;margin:10px 0 0;color:var(--steel-dk)}
.hero .alt-path,.phero .alt-path{color:#AEB7B9}
.rok-link{white-space:nowrap}
.rok-link .ico{width:14px;height:14px;margin-left:3px;vertical-align:-2px}
.cta-row{margin:16px 0 4px}
.end-cta{border-top:3px solid var(--slate);margin-top:40px;padding-top:8px}

/* industry picker */
.picker{margin:26px 0 0;max-width:620px}
.picker label{display:block;font:500 13px var(--mono);letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;color:#AEB7B9}
.band .picker label{color:var(--steel-dk)}
.band-slate .picker label{color:#AEB7B9}
.picker-row{display:flex;gap:10px;flex-wrap:wrap}
.picker select{flex:1 1 260px;min-height:50px;font:500 16px var(--body);padding:10px 12px;border:1px solid var(--steel);border-radius:2px;background:#fff;color:var(--slate)}

/* bands and sections */
.band{padding:64px 0}
.band-concrete{background:var(--concrete)}
.band-slate{background:var(--slate);color:var(--paper)}
.band-slate .eyebrow{color:#7FCBB2}
.band-slate a:not(.cta){color:#BFE3D7}
.band-slate .fine-note{color:#AEB7B9}
.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:56px;padding-top:40px;padding-bottom:56px}
.page-body{min-width:0;max-width:760px}
.sec{margin:0 0 40px}
.sec h2{padding-top:20px;border-top:1px solid var(--rule)}
.page-body .sec:first-of-type h2{border-top:0;padding-top:0}
.byline{display:flex;align-items:center;gap:12px;font-size:13.5px;color:var(--steel-dk);margin:0 0 28px}
.byline p{margin:0}
.byline-photo{width:40px;height:40px;border-radius:50%;flex:none;object-fit:cover;border:2px solid var(--green)}
.made-note{border-top:1px solid var(--rule);margin:32px 0 0;padding:18px 0 0;font-size:14px;color:var(--steel-dk)}
.made-note p{margin:0 0 .5em}
.made-h{font:500 12px var(--mono);letter-spacing:1.2px;text-transform:uppercase;color:var(--slate)}
.publisher{margin:2.2em 0}
.pub-card{display:flex;gap:22px;align-items:center;margin:0 0 1.4em}
.pub-photo{width:132px;height:132px;border-radius:50%;object-fit:cover;flex:none;border:3px solid var(--green)}
.pub-name{font:700 24px/1.2 var(--head);margin:0 0 4px;color:var(--slate)}
.pub-role{margin:0 0 6px;font-size:15px}
.pub-links{margin:0;font-size:14px}
@media (max-width:560px){.pub-card{flex-direction:column;align-items:flex-start}.byline{align-items:flex-start}}
.cite{font:500 11px var(--mono);margin-left:2px}
.cite a{text-decoration:none}
.side{position:relative}
.toc{position:sticky;top:20px;border-left:3px solid var(--green);padding:4px 0 4px 16px;font-size:14px}
.toc-title{font:500 12px var(--mono);letter-spacing:1.2px;text-transform:uppercase;color:var(--steel-dk);margin:0 0 8px}
.toc ol{list-style:none;padding:0;margin:0}
.toc a{text-decoration:none;color:var(--slate)}
.toc a:hover{color:var(--green)}

/* gap timeline */
.gap{list-style:none;padding:0;margin:28px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:0;counter-reset:g}
.gap li{margin:0;padding:22px 22px 6px;border-top:3px solid var(--green);border-right:1px solid var(--rule-dk)}
.gap li:last-child{border-right:0}
.gap .when{display:block;font:500 13px var(--mono);letter-spacing:1.2px;color:var(--figure-rev);margin-bottom:10px}
.gap h3{color:var(--paper)}
.gap p{color:#C9D0CE}
.gap-note{max-width:52em;color:#DCE1DF}

/* cards */
.cards{list-style:none;padding:0;margin:24px 0;display:grid;gap:16px}
.cards-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cards-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{margin:0;background:#fff;border:1px solid var(--rule);border-top:3px solid var(--slate)}
.card:hover{border-top-color:var(--green)}
.card a{display:flex;flex-direction:column;gap:8px;height:100%;padding:20px;text-decoration:none;color:var(--slate)}
.card-num{font:500 12px var(--mono);color:var(--steel-dk);letter-spacing:1px}
.card-ico{width:26px;height:26px;color:var(--green);stroke-width:1.75}
.card-title{font:600 21px/1.2 var(--head)}
.card-desc{font-size:15px;color:#38423F;flex:1}
.card-more{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:14px;color:var(--green)}
.card-more .ico{width:15px;height:15px}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{margin:0}
.chips a{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--rule);background:#fff;padding:8px 12px;text-decoration:none;color:var(--slate);font-weight:500}
.chips .ico{color:var(--green)}

/* steps */
.steps3{list-style:none;padding:0;margin:28px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
.steps3 li,.steps-long li{margin:0;counter-increment:s;position:relative;padding-top:44px}
.steps3 li::before,.steps-long li::before{content:counter(s,decimal-leading-zero);position:absolute;top:0;left:0;font:500 14px var(--mono);color:var(--green);border-top:3px solid var(--green);padding-top:8px;width:48px}
.steps-long{list-style:none;padding:0;margin:0 0 40px;counter-reset:s}
.steps-long li{padding:44px 0 4px;border-bottom:1px solid var(--rule)}
.numbered li{margin:.4em 0}

/* stats */
.stats{list-style:none;padding:0;margin:28px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--rule)}
.stats li{margin:0;padding:22px 20px 18px 0;border-right:1px solid var(--rule)}
.stats li+li{padding-left:20px}
.stats li:last-child{border-right:0}
.stat{display:block;font:600 clamp(32px,4.6vw,46px)/1 var(--head);color:var(--green)}
.stat-l{display:block;font-size:14px;margin-top:8px;color:#38423F}
.stats-rev{border-top-color:var(--rule-dk)}
.stats-rev li{border-right-color:var(--rule-dk)}
.stats-rev .stat{color:var(--figure-rev)}
.stats-rev .stat-l{color:#C9D0CE}
.fine-note{font-size:14px;color:var(--steel-dk);max-width:48em}

/* product three-up */
.tri{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:0 0 40px}
.tri-col{background:#fff;border:1px solid var(--rule);padding:18px 18px 6px}
.tri-col h3{font-size:18px;display:flex;gap:8px;align-items:center}
.tri-good{border-top:3px solid var(--green)}
.tri-wrong{border-top:3px solid var(--amber)}
.tri-ask{border-top:3px solid var(--blueprint)}
.tri-col ul{padding-left:1.1em;font-size:15px}
.rok-note{font-size:14px;color:var(--steel-dk)}

/* tables, callouts, faq, sources */
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--rule);background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px}
caption{text-align:left;font:500 12px var(--mono);letter-spacing:1px;text-transform:uppercase;color:var(--blueprint);padding:12px 14px 6px}
th,td{text-align:left;vertical-align:top;padding:10px 14px;border-top:1px solid var(--rule)}
thead th{background:var(--blueprint);color:#fff;font:600 14px var(--body);border-top:0}
tbody tr:nth-child(even){background:#F2F3F2}
.callout{border-left:4px solid var(--blueprint);background:#EEF2F5;padding:14px 18px;margin:0 0 1.2em}
.callout-warn{border-left-color:var(--amber);background:#F8F1E9}
.co-title{font-weight:600;display:flex;gap:8px;align-items:center;margin-bottom:6px}
.callout p:last-child{margin-bottom:0}
.faq details{border-top:1px solid var(--rule);padding:14px 0}
.faq details:last-child{border-bottom:1px solid var(--rule)}
.faq summary{font:600 18px/1.3 var(--head);cursor:pointer;list-style:none;padding-right:28px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:0;font:500 20px var(--mono);color:var(--green)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:10px 0 0}
.sources ol{font-size:14px;padding-left:1.4em}
.src-pub{color:var(--steel-dk)}
.prose h2{margin-top:1.6em;padding-top:18px;border-top:1px solid var(--rule)}
.prose h3{margin-top:1.2em}
.prose hr{border:0;border-top:1px solid var(--rule);margin:2em 0}

/* forms */
.next{border-left:3px solid var(--green);padding:4px 0 4px 18px;margin-bottom:28px}
.next h2{font-size:22px}
.form{background:#fff;border:1px solid var(--rule);border-top:3px solid var(--slate);padding:24px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:14.5px;margin-bottom:6px}
.field input,.field select{width:100%;min-height:46px;font:400 16px var(--body);padding:10px 12px;border:1px solid var(--steel);border-radius:2px;background:#fff;color:var(--slate)}
.req{color:var(--error);margin-left:2px}
.err{display:none;color:var(--error);font-size:13px;margin:4px 0 0}
.invalid input,.invalid select{border-color:var(--error)}
.invalid .err{display:block}
.hint{font-size:13px;color:var(--steel-dk);margin:4px 0 0}
.consent{border:1px solid var(--rule);border-left:3px solid var(--blueprint);padding:14px 16px;margin:6px 0 18px;background:#FAFBFA}
.consent.invalid{border-left-color:var(--error)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;line-height:1.5;margin:6px 0}
.check input{margin-top:3px;width:18px;height:18px;flex:none}
.cta-submit{width:100%;justify-content:center}
.cta-submit[disabled]{opacity:.7;cursor:wait}
.form-fail{border-left:4px solid var(--error);background:#F7ECEA;padding:12px 16px;margin-bottom:16px}
.fineprint{font-size:13px;color:var(--steel-dk);margin-top:20px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* footer */
.site-footer{background:var(--slate);color:#C9D0CE;padding:48px 0 32px;font-size:14px}
.site-footer a{color:#BFE3D7}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;margin-bottom:28px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-h{font:500 12px var(--mono);letter-spacing:1.2px;text-transform:uppercase;color:var(--figure-rev);margin-bottom:10px}
.logo-rev{margin-bottom:14px}
.addr{color:#AEB7B9}
.legal{font-size:12.5px;line-height:1.55;color:#9EA8AA;border-top:1px solid var(--rule-dk);padding-top:14px;margin:0 0 14px}

/* responsive */
@media (max-width:1000px){
  .page-grid{grid-template-columns:1fr;gap:0}
  .side{display:none}
  .cards-3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tri{grid-template-columns:1fr}
}
@media (max-width:860px){
  .menu-btn{display:inline-flex}
  .site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--slate);border-top:1px solid var(--rule-dk);padding:8px 20px 16px}
  .site-nav.open{display:block}
  .nav-top{flex-direction:column;align-items:stretch}
  .menu{position:static;border:0;border-left:3px solid var(--green);min-width:0;padding:0 0 8px 8px}
}
@media (max-width:699px){
  .gap,.steps3,.stats,.cards-2,.cards-3,.row,.foot-grid{grid-template-columns:1fr}
  .gap li{border-right:0}
  .stats li,.stats li+li{border-right:0;border-bottom:1px solid var(--rule);padding-left:0}
  .stats-rev li{border-bottom-color:var(--rule-dk)}
  .band{padding:48px 0}
  .logo{font-size:16px}
  .form{padding:18px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}