/* Cumberland Finance — site stylesheet */
@font-face{font-family:"Outfit";src:url(outfit.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url(inter.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{
  --teal:#0E3B43; --teal-2:#15535d; --green:#1F7A6B; --green-2:#17675a; --gold:#E0A526; --gold-2:#c98f12;
  --ink:#16232a; --muted:#566670; --line:#e1e7ea; --soft:#f3f7f6; --cream:#fbf8f1; --white:#fff;
  --r:14px; --wrap:1160px;
  --head:"Outfit","Inter",system-ui,sans-serif; --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --shadow:0 1px 2px rgba(14,59,67,.06),0 10px 30px rgba(14,59,67,.08);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;accent-color:var(--green)}
body{margin:0;font:17px/1.65 var(--font);color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-2);text-underline-offset:3px}
a:hover{color:var(--teal)}
:focus-visible{outline:3px solid rgba(224,165,38,.7);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--head);color:var(--teal);line-height:1.12;letter-spacing:-.015em;margin:0 0 .55em;font-weight:700;text-wrap:balance}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.6vw,2.05rem);margin-top:0}
h3{font-size:1.18rem}
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}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* top bar + header */
.topbar{background:var(--teal);color:#cfe7e2;font-size:.84rem}
.topbar .wrap{display:flex;gap:18px;justify-content:space-between;align-items:center;min-height:36px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar .tb-note{opacity:.9}
@media (max-width:640px){.topbar a{display:none}}
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.logo img{height:34px;width:auto}
.nav{display:flex;align-items:center;gap:4px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:9px 11px;border-radius:8px}
.nav a:hover,.nav a[aria-current]{background:var(--soft);color:var(--teal)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:#1d1600;font-weight:750;text-decoration:none;border-radius:999px;padding:13px 24px;border:0;cursor:pointer;font-size:1rem;line-height:1.2;box-shadow:0 6px 16px rgba(224,165,38,.28);transition:transform .15s ease,background .15s ease}
.btn:hover{background:var(--gold-2);color:#1d1600;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--teal);box-shadow:none;border:2px solid var(--teal)}
.btn-ghost:hover{background:var(--teal);color:#fff}
.btn-sm{padding:10px 18px;font-size:.93rem}
.nav .btn{margin-left:8px;color:#1d1600}
.menu-btn{display:none;background:none;border:2px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;font-weight:700;color:var(--teal)}
@media (max-width:1120px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav .btn{margin:8px 0 0}
}

/* hero */
.hero{background:var(--teal) radial-gradient(1200px 500px at 85% -10%,rgba(31,122,107,.55),transparent 60%);color:#d7ebe7;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding-top:64px;padding-bottom:72px}
.hero h1{color:#fff}
.hero .kicker{display:inline-block;color:var(--gold);font-weight:700;font-size:.86rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.hero .lead{font-size:1.14rem;color:#cfe5e0;max-width:34em}
.hero .bul{list-style:none;padding:0;margin:18px 0 26px;display:grid;gap:10px;font-size:1.06rem;color:#fff;font-weight:600}
.hero .bul li{display:flex;gap:12px;align-items:center;margin:0}
.hero .bul li::before{content:"";width:22px;height:22px;border-radius:50%;flex:none;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6L20.1 8.4 18.7 7z' fill='%230E3B43'/%3E%3C/svg%3E") center/16px no-repeat}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.55)}
.hero .btn-ghost:hover{background:#fff;color:var(--teal)}
.hero-visual{position:relative}
.hero-img{border-radius:22px;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.25);aspect-ratio:4/3;background:#123f47}
.hero-img img{width:100%;height:100%;object-fit:cover}
.amount{position:relative;margin:-90px 0 0 -36px;width:min(360px,92%);background:#fff;color:var(--ink);border-radius:18px;padding:22px;box-shadow:0 24px 50px rgba(5,30,35,.28)}
.amount h2{font-size:1.15rem;margin:0 0 12px}
.amount .chips{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:12px}
.amount label{display:block;cursor:pointer}
.amount input{position:absolute;opacity:0;pointer-events:none}
.amount label span{display:block;text-align:center;font-weight:700;padding:10px 0;border:1.5px solid var(--line);border-radius:10px;color:var(--teal)}
.amount input:checked+span{background:var(--teal);border-color:var(--teal);color:#fff}
.amount input:focus-visible+span{outline:3px solid rgba(224,165,38,.7);outline-offset:2px}
.amount .more{font-size:.88rem;color:var(--muted);margin:0 0 14px}
.amount .btn{width:100%}
.amount .fine{font-size:.78rem;color:var(--muted);margin:10px 0 0;text-align:center}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr;gap:30px;padding-top:40px;padding-bottom:44px}.amount{margin:-60px auto 0;}}
.trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trustbar ul{list-style:none;margin:0;padding:22px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:860px){.trustbar ul{grid-template-columns:repeat(2,1fr)}}
.trustbar li{display:flex;gap:12px;align-items:flex-start;margin:0;font-size:.92rem;color:var(--muted);line-height:1.4}
.trustbar b{display:block;color:var(--teal);font-size:1rem;font-family:var(--head);font-weight:700}
.trustbar svg{flex:none;width:34px;height:34px;color:var(--green)}
.page-hero{background:var(--teal);color:#cfe5e0;padding:40px 0 44px}
.page-hero h1{color:#fff}
.page-hero .lead{font-size:1.12rem;color:#cfe5e0;max-width:46em}
.page-hero .crumbs,.page-hero .crumbs a{color:#9fc7c0}
.page-hero.has-img .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.page-hero.has-img .hero-img{aspect-ratio:3/2;box-shadow:0 20px 40px rgba(0,0,0,.25)}
@media (max-width:860px){.page-hero.has-img .wrap{grid-template-columns:1fr;gap:26px}}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.crumbs span[aria-hidden]{margin:0 6px}

/* sections */
.sec{padding:60px 0}
.sec.alt{background:var(--soft)}
.sec.dark{background:var(--teal);color:#d7ebe7}
.sec.dark h2,.sec.dark h3{color:#fff}
.sec.dark a{color:#ffd67a}
.sec-head{max-width:760px;margin-bottom:28px}
.sec-head p{color:var(--muted);font-size:1.06rem}
.sec.dark .sec-head p{color:#bfdcd6}
.prose{max-width:780px}
.prose h2{margin-top:1.6em}.prose h3{margin-top:1.3em}
.prose > :first-child{margin-top:0}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:26px}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 1px 2px rgba(14,59,67,.04)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
a.card{display:block;text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s,transform .15s}
a.card:hover{border-color:#bcd6cf;box-shadow:var(--shadow);transform:translateY(-2px)}
.card .more{color:var(--green-2);font-weight:700;font-size:.95rem}
.prod .amt{font-size:1.5rem;font-weight:800;color:var(--teal);letter-spacing:-.02em;margin:.1em 0 .3em}
.prod .tag{display:inline-block;font-size:.76rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--green-2);background:#e6f2ef;border-radius:999px;padding:4px 10px;margin-bottom:10px}
.prod.featured{border:2px solid var(--gold);position:relative}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}
@media (max-width:860px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 22px 22px;margin:0}
.steps li::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--teal);color:#fff;font-weight:800;margin-bottom:12px}
.steps h3{margin:0 0 .35em}
.checks{list-style:none;padding:0}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:0;top:.32em;width:19px;height:19px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6L20.1 8.4 18.7 7z' fill='%23fff'/%3E%3C/svg%3E") center/14px no-repeat}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:0;padding:0;list-style:none}
@media (max-width:860px){.facts{grid-template-columns:repeat(2,1fr)}}
.facts li{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.facts b{display:block;font-size:1.55rem;color:var(--teal);letter-spacing:-.02em;line-height:1.15}
.facts span{color:var(--muted);font-size:.92rem}
.sec.dark .facts li{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.sec.dark .facts b{color:#fff}.sec.dark .facts span{color:#bfdcd6}
.note{background:var(--cream);border:1px solid #efe3c4;border-left:5px solid var(--gold);border-radius:10px;padding:16px 18px;font-size:.96rem}
.note p:last-child{margin:0}
.callout{background:#e9f4f1;border:1px solid #cfe5df;border-radius:var(--r);padding:20px 22px}
.callout p:last-child{margin:0}
.src{font-size:.86rem;color:var(--muted)}
.img-r{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.img-r img{width:100%;height:auto}

/* tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;margin:0 0 1.2em}
table{border-collapse:collapse;width:100%;font-size:.96rem}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);color:var(--teal);font-weight:700;white-space:nowrap}
tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px}
.calc h3{margin-top:0}
.calc label{display:block;font-weight:650;margin:0 0 6px}
.calc .row{display:flex;gap:14px;align-items:center;margin-bottom:16px}
.calc input[type=range]{flex:1}
.calc output{min-width:76px;font-weight:800;color:var(--teal);font-size:1.15rem;text-align:right}
.calc select{font:inherit;padding:9px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;width:100%}
.calc dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:18px 0 6px;padding-top:16px;border-top:1px dashed var(--line)}
.calc dt{color:var(--muted)}.calc dd{margin:0;font-weight:750;text-align:right;color:var(--ink)}
.calc dd.big{font-size:1.25rem;color:var(--teal)}
.calc .fine{font-size:.84rem;color:var(--muted);margin:10px 0 0}

/* faq */
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin:0 0 10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:700;color:var(--teal);padding:16px 26px 16px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.5rem;font-weight:500;color:var(--green)}
.faq details[open] summary::after{content:"–"}
.faq details > div{padding:0 0 14px;color:#2c3d45}

/* cta band */
.band{background:linear-gradient(120deg,var(--teal),var(--teal-2));color:#fff;border-radius:22px;padding:38px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 .25em}
.band p{margin:0;color:#cfe7e2}

/* apply page */
.apply-box{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:18px;min-height:420px}

/* footer */
.ftr{background:#0b2e34;color:#a9c7c1;font-size:.93rem;margin-top:0}
.ftr .wrap{padding-top:52px;padding-bottom:30px}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media (max-width:860px){.ftr .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.ftr .cols{grid-template-columns:1fr}}
.ftr h4{color:#fff;font-size:.95rem;margin:0 0 12px;letter-spacing:0}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin:0 0 7px}
.ftr a{color:#d9ece8;text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr .logo img{height:42px;margin-bottom:14px}
.ftr .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:22px;font-size:.84rem;line-height:1.6;color:#8fb0aa}
.ftr .legal p{margin:0 0 .8em}

/* sticky mobile CTA */
.sticky-cta{display:none}
@media (max-width:760px){
  .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 18px rgba(14,59,67,.08)}
  .sticky-cta .btn{flex:1}
  body{padding-bottom:76px}
  body.no-sticky{padding-bottom:0}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* local block */
.local{display:grid;grid-template-columns:1.5fr 1fr;gap:22px;align-items:stretch}
@media (max-width:860px){.local{grid-template-columns:1fr}}
.local .map{border-radius:var(--r);overflow:hidden;border:1px solid var(--line);min-height:360px;background:var(--soft)}
.local .map iframe{width:100%;height:100%;min-height:360px;border:0;display:block}
.svc{background:var(--teal);color:#d7ebe7;border-radius:var(--r);padding:24px}
.svc h3{color:#fff;margin:0 0 12px}
.svc dl{margin:0 0 18px;display:grid;grid-template-columns:auto 1fr;gap:8px 14px;font-size:.95rem}
.svc dt{color:#9fc7c0;font-weight:600}.svc dd{margin:0;color:#fff}
.svc a:not(.btn){color:#ffd67a}
.stores-h{margin:30px 0 12px}
.stores{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}
.store{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.store h3{font-size:1.05rem;margin:0 0 4px}
.store p{margin:0 0 6px;font-size:.93rem}
.store .addr{color:var(--muted)}
.store .links a{font-weight:700}
.dirs{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;margin:18px 0 6px;font-size:.93rem}
.dirs span{color:var(--muted)}
.dirs a{border:1px solid var(--line);border-radius:999px;padding:6px 12px;text-decoration:none;font-weight:600;background:#fff}

/* calculator extras, review box, alternatives */
.calc .chk{display:flex;gap:8px;align-items:center;font-weight:500;font-size:.93rem;margin:-4px 0 6px}
.calc input[type=number]{font:inherit;padding:9px 12px;border:1px solid var(--line);border-radius:10px;width:100%}
.review{border:1px solid var(--line);border-radius:var(--r);padding:24px;background:var(--soft)}
.review .who{display:flex;gap:16px;align-items:flex-start}
.review .who img{flex:none;border-radius:10px}
.review p{margin:0 0 6px;font-size:.95rem}
.review h3{margin:18px 0 8px;font-size:1rem}
.srcs{columns:2;column-gap:28px;font-size:.9rem;margin:0}
@media (max-width:640px){.srcs{columns:1}}
.alt .fit{color:var(--green-2);font-weight:600;font-size:.92rem}