/* ─── FHA HOPER Program — shared styles ───
   Palette: ink navy, paper, ledger green, rule gray
   Type: Fraunces (display) · Public Sans (body) · IBM Plex Mono (data) */

:root {
  --ink: #1B2A41;
  --ink-soft: #44526A;
  --paper: #FCFCF9;
  --card: #FFFFFF;
  --green: #17735F;
  --green-tint: #EAF3EF;
  --rule: #D8D5CC;
  --rule-light: #E9E7E0;
  --amber: #9C6B1E;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  font-family: 'Public Sans', -apple-system, sans-serif;
  background: var(--paper);
  color: var(--ink);
  font-size: 17px;
  line-height: 1.75;
}

a { color: var(--green); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--ink); }
a:focus-visible, button:focus-visible { outline: 2px solid var(--green); outline-offset: 3px; }

/* ─── Nav ─── */
header {
  border-bottom: 2px solid var(--ink);
  background: var(--paper);
}
.nav-inner {
  max-width: 1040px;
  margin: 0 auto;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.wordmark {
  font-family: 'Fraunces', serif;
  font-weight: 700;
  font-size: 21px;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.wordmark .tick { color: var(--green); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
  list-style: none;
  flex-wrap: wrap;
}
.nav-links a {
  font-size: 14.5px;
  font-weight: 500;
  color: var(--ink-soft);
  text-decoration: none;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--green); }
.nav-links a[aria-current="page"] { border-bottom: 2px solid var(--green); padding-bottom: 2px; }
.nav-apply {
  background: var(--ink);
  color: var(--paper) !important;
  padding: 9px 18px;
  border-radius: 3px;
  font-weight: 600;
}
.nav-apply:hover { background: var(--green); }

/* ─── Article scaffold ─── */
main { max-width: 760px; margin: 0 auto; padding: 64px 24px 80px; }

.eyebrow {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 18px;
}
.eyebrow::before { content: "§ "; color: var(--amber); }

h1 {
  font-family: 'Fraunces', serif;
  font-weight: 600;
  font-size: clamp(34px, 5.4vw, 50px);
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin-bottom: 22px;
}
.standfirst {
  font-size: 20px;
  line-height: 1.65;
  color: var(--ink-soft);
  margin-bottom: 44px;
}
.standfirst strong { color: var(--ink); }

h2 {
  font-family: 'Fraunces', serif;
  font-weight: 600;
  font-size: 27px;
  line-height: 1.25;
  margin: 52px 0 16px;
  padding-top: 26px;
  border-top: 1px solid var(--rule);
}
h3 { font-size: 18px; font-weight: 700; margin: 30px 0 10px; }
p { margin-bottom: 18px; }
p:last-child { margin-bottom: 0; }

ul.plain { margin: 0 0 18px 22px; }
ul.plain li { margin-bottom: 10px; }

/* ─── Signature: term-sheet table with dotted leaders ─── */
.termsheet {
  background: var(--card);
  border: 1px solid var(--ink);
  border-radius: 4px;
  margin: 32px 0;
  overflow: hidden;
}
.termsheet-head {
  background: var(--ink);
  color: var(--paper);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 11px 20px;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.termsheet-head .ref { color: #9DB4A9; }
.termsheet-body { padding: 8px 20px 14px; }
.trow {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid var(--rule-light);
  font-size: 15.5px;
}
.trow:last-child { border-bottom: none; }
.trow .k { color: var(--ink-soft); flex-shrink: 0; }
.trow .leader {
  flex: 1;
  border-bottom: 1.5px dotted var(--rule);
  transform: translateY(-4px);
  min-width: 24px;
}
.trow .v {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 14.5px;
  font-weight: 500;
  text-align: right;
  color: var(--ink);
}
.trow .v.green { color: var(--green); font-weight: 600; }

/* ─── Checklist ─── */
.checklist { list-style: none; margin: 24px 0; }
.checklist li {
  display: flex;
  gap: 14px;
  padding: 13px 0;
  border-bottom: 1px solid var(--rule-light);
}
.checklist li:last-child { border-bottom: none; }
.checklist .mark {
  font-family: 'IBM Plex Mono', monospace;
  color: var(--green);
  font-weight: 600;
  flex-shrink: 0;
}

/* ─── Callouts ─── */
.note {
  background: var(--green-tint);
  border-left: 3px solid var(--green);
  border-radius: 0 4px 4px 0;
  padding: 18px 22px;
  margin: 28px 0;
  font-size: 15.5px;
}
.note strong { color: var(--green); }
.caution {
  background: #FBF5EA;
  border-left: 3px solid var(--amber);
  border-radius: 0 4px 4px 0;
  padding: 18px 22px;
  margin: 28px 0;
  font-size: 15.5px;
}
.caution strong { color: var(--amber); }

/* ─── Comparison table ─── */
table.compare {
  width: 100%;
  border-collapse: collapse;
  margin: 30px 0;
  font-size: 15px;
  background: var(--card);
  border: 1px solid var(--ink);
}
table.compare th, table.compare td {
  padding: 13px 16px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--rule-light);
}
table.compare thead th {
  background: var(--ink);
  color: var(--paper);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 500;
}
table.compare td:first-child { color: var(--ink-soft); width: 30%; }
table.compare td.yes { color: var(--green); font-weight: 600; }
.table-scroll { overflow-x: auto; }

/* ─── Next-step cards ─── */
.next-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 36px 0 8px;
}
.next-card {
  display: block;
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 20px 22px;
  text-decoration: none;
  color: var(--ink);
  transition: border-color 0.15s;
}
.next-card:hover { border-color: var(--green); color: var(--ink); }
.next-card .tag {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green);
  display: block;
  margin-bottom: 6px;
}
.next-card .t { font-weight: 700; font-size: 16.5px; }
.next-card .d { font-size: 14px; color: var(--ink-soft); margin-top: 4px; }

/* ─── CTA band ─── */
.cta-band {
  background: var(--ink);
  border-radius: 4px;
  padding: 34px 32px;
  margin-top: 56px;
  color: var(--paper);
}
.cta-band h2 { border: none; margin: 0 0 8px; padding: 0; color: var(--paper); font-size: 24px; }
.cta-band p { color: #B9C3D2; font-size: 15.5px; margin-bottom: 20px; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-solid {
  display: inline-block;
  background: var(--green);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  padding: 13px 24px;
  border-radius: 3px;
  text-decoration: none;
}
.btn-solid:hover { background: #0F5A49; color: #fff; }
.btn-ghost {
  display: inline-block;
  border: 1px solid #46536A;
  color: var(--paper);
  font-weight: 500;
  font-size: 15px;
  padding: 12px 24px;
  border-radius: 3px;
  text-decoration: none;
}
.btn-ghost:hover { border-color: var(--green); color: var(--paper); }

/* ─── Footer ─── */
footer {
  border-top: 2px solid var(--ink);
  margin-top: 40px;
  padding: 44px 24px 56px;
  font-size: 13.5px;
  line-height: 1.8;
  color: var(--ink-soft);
}
.footer-inner { max-width: 1040px; margin: 0 auto; display: grid; grid-template-columns: 1fr 2fr; gap: 44px; }
.footer-inner h4 {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 10px;
}
footer p { margin-bottom: 10px; }
footer a { color: inherit; }
.eho { margin-top: 14px; }

@media (max-width: 720px) {
  main { padding: 44px 20px 60px; }
  .next-grid, .footer-inner { grid-template-columns: 1fr; }
  .nav-links { gap: 14px; }
  .trow { flex-wrap: wrap; }
  .trow .leader { display: none; }
  .trow .v { text-align: left; width: 100%; }
}