:root{
  --primary:#D55C19; --primary-deep:#B24A10; --accent:#7E9A4E;
  --ink:#23272B; --muted:#5E646A; --line:#E2DFD6;
  --bg:#F5F2EB; --card:#FFFFFF; --chip:#F0EEE8;
  --shadow:0 1px 2px rgba(35,39,43,.06),0 8px 24px -12px rgba(35,39,43,.18);
  --radius:18px;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --primary:#E8703A; --primary-deep:#E8703A; --accent:#A3BD72;
    --ink:#F2EFE9; --muted:#AEB2B6; --line:#34393F;
    --bg:#16191C; --card:#1F2327; --chip:#2A2F34;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px -14px rgba(0,0,0,.6);
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --primary:#E8703A; --primary-deep:#E8703A; --accent:#A3BD72;
  --ink:#F2EFE9; --muted:#AEB2B6; --line:#34393F;
  --bg:#16191C; --card:#1F2327; --chip:#2A2F34;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px -14px rgba(0,0,0,.6);
  color-scheme:dark;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0; min-height:100vh; background:var(--bg); color:var(--ink);
  font-family:"Open Sans",system-ui,-apple-system,"Segoe UI",sans-serif; font-size:16px; line-height:1.55;
  background-image:radial-gradient(1200px 520px at 50% -180px, color-mix(in srgb,var(--primary) 16%,transparent), transparent 70%);
  background-repeat:no-repeat;
}
a{color:inherit}
:focus-visible{outline:3px solid var(--primary);outline-offset:3px;border-radius:10px}
.wrap{max-width:560px;margin:0 auto;padding:44px 16px 36px}

/* ---------- header ---------- */
header{text-align:center;margin-bottom:28px}
.avatar{
  width:116px;height:116px;border-radius:50%;margin:0 auto 16px;
  background:url("marc.jpg") 48% 14%/210% auto no-repeat, var(--chip);
  border:4px solid var(--card); box-shadow:0 0 0 2px var(--primary), var(--shadow);
}
.brand{
  display:inline-block;font-family:Archivo,sans-serif;font-weight:800;font-stretch:115%;
  letter-spacing:.14em;text-transform:uppercase;font-size:12px;color:var(--primary-deep);margin-bottom:6px
}
h1{
  font-family:Archivo,sans-serif;font-weight:850;font-stretch:88%;
  font-size:clamp(2rem,7.5vw,2.75rem);line-height:1.02;letter-spacing:-.015em;margin:0 0 10px
}
.tagline{color:var(--muted);margin:0 auto;max-width:34ch;font-size:1.02rem}
.quick{display:flex;justify-content:center;gap:10px;margin-top:18px;flex-wrap:wrap}
.pill{
  display:inline-flex;align-items:center;gap:8px;min-height:42px;padding:8px 16px;border-radius:999px;
  background:var(--card);border:1px solid var(--line);text-decoration:none;font-weight:600;font-size:.92rem;
  transition:border-color .15s,transform .15s;
}
.pill:hover{border-color:var(--primary);transform:translateY(-1px)}
.pill svg{width:17px;height:17px;flex:none;color:var(--primary-deep)}

/* ---------- link cards ---------- */
.section-label{
  font-family:Archivo,sans-serif;font-weight:800;font-stretch:115%;font-size:11.5px;letter-spacing:.16em;
  text-transform:uppercase;color:var(--muted);margin:28px 4px 10px
}
.links{display:grid;gap:12px}
.card{
  position:relative;display:flex;align-items:center;gap:14px;padding:16px 18px;min-height:76px;
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  text-decoration:none;box-shadow:var(--shadow);transition:transform .16s ease,border-color .16s ease;
}
a.card:hover{transform:translateY(-2px);border-color:color-mix(in srgb,var(--primary) 55%,var(--line))}
.ico{
  flex:none;width:44px;height:44px;border-radius:12px;display:grid;place-items:center;
  background:color-mix(in srgb,var(--primary) 12%,var(--card));color:var(--primary-deep)
}
.ico svg{width:22px;height:22px}
.txt{flex:1;min-width:0}
.txt strong{display:block;font-family:Archivo,sans-serif;font-weight:750;font-size:1.08rem;line-height:1.2}
.txt span{display:block;color:var(--muted);font-size:.9rem;margin-top:2px}
.arrow{flex:none;width:20px;height:20px;color:var(--muted);transition:transform .16s,color .16s}
a.card:hover .arrow{transform:translateX(3px);color:var(--primary-deep)}
.tag{
  flex:none;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:4px 9px;border-radius:999px;background:var(--chip);color:var(--muted)
}
.tag.live{background:color-mix(in srgb,var(--accent) 18%,var(--card));color:var(--accent)}

/* featured: mortgage application */
.card.feature{
  background:var(--primary-deep);border-color:transparent;color:#fff;padding:22px 20px;min-height:96px;
  box-shadow:0 14px 34px -14px color-mix(in srgb,var(--primary) 75%,transparent);
}
:root[data-theme="dark"] .card.feature{background:#C9561A}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .card.feature{background:#C9561A}}
.card.feature .ico{background:rgba(255,255,255,.16);color:#fff;width:50px;height:50px}
.card.feature .txt strong{font-size:1.32rem;font-stretch:95%}
.card.feature .txt span{color:rgba(255,255,255,.86)}
.card.feature .arrow{color:#fff}
a.card.feature:hover{border-color:transparent;transform:translateY(-2px)}

.card.call{border:2px solid var(--primary)}
.card.call .txt strong{font-size:1.15rem}
.card.soon{box-shadow:none;border-style:dashed;background:transparent}
.card.soon .ico{background:var(--chip);color:var(--muted)}

/* golf scorecard note */
.note{
  margin:28px 0 0;padding:16px 18px;border-left:3px solid var(--accent);background:var(--card);
  border-radius:0 14px 14px 0;color:var(--muted);font-size:.95rem
}
.note b{color:var(--ink)}

/* socials */
.socials{display:flex;justify-content:center;gap:10px;margin-top:30px}
.socials a{
  width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--card);
  border:1px solid var(--line);color:var(--ink);transition:color .15s,border-color .15s,transform .15s
}
.socials a:hover{color:var(--primary-deep);border-color:var(--primary);transform:translateY(-2px)}
.socials svg{width:20px;height:20px}

/* footer */
footer{text-align:center;margin-top:30px;color:var(--muted);font-size:.8rem;line-height:1.6}
.tmg{display:inline-block;background:#fff;border-radius:12px;padding:10px 14px;margin-bottom:12px;border:1px solid var(--line)}
.tmg img{display:block;width:210px;max-width:100%;height:auto}
footer p{margin:0}
.hash{font-family:Archivo,sans-serif;font-weight:700;color:var(--primary-deep);margin-top:8px!important}

/* toast */
.toast{
  position:fixed;left:50%;bottom:22px;transform:translate(-50%,20px);opacity:0;pointer-events:none;
  background:var(--ink);color:var(--bg);padding:10px 16px;border-radius:999px;font-size:.9rem;font-weight:600;
  transition:opacity .2s,transform .2s
}
.toast.show{opacity:1;transform:translate(-50%,0)}

@media (prefers-reduced-motion:reduce){*{transition:none!important}}
@media (max-width:380px){.card{padding:14px}.ico{width:40px;height:40px}.tag{display:none}}

/* ================= subpages ================= */
.topbar{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:26px}
.back{display:inline-flex;align-items:center;gap:6px;text-decoration:none;font-weight:600;font-size:.92rem;color:var(--muted);min-height:40px}
.back:hover{color:var(--primary-deep)}
.back svg{width:18px;height:18px}
.mini{display:flex;align-items:center;gap:10px;text-decoration:none}
.mini .dot{width:38px;height:38px;border-radius:50%;background:url("marc.jpg") 48% 14%/210% auto no-repeat,var(--chip);box-shadow:0 0 0 2px var(--primary)}
.mini b{font-family:Archivo,sans-serif;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--primary-deep)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:Archivo,sans-serif;font-weight:800;font-stretch:115%;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--primary-deep);margin-bottom:10px}
.live-dot{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px color-mix(in srgb,var(--accent) 22%,transparent)}
.page-h1{text-align:left;font-size:clamp(2rem,8vw,2.9rem)}
.lede{color:var(--muted);font-size:1.05rem;margin:0 0 20px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:0 0 22px}
.fact{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:12px 12px 10px}
.fact small{display:block;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.fact strong{display:block;font-family:Archivo,sans-serif;font-size:1rem;line-height:1.25;margin-top:3px}
@media (max-width:440px){.facts{grid-template-columns:1fr 1fr}.facts .fact:last-child{grid-column:1/-1}}
.prose{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:0 0 22px}
.prose h2{font-family:Archivo,sans-serif;font-size:1.15rem;margin:0 0 8px}
.prose p{margin:0 0 10px;color:var(--muted)}
.prose p:last-child,.prose ul:last-child{margin-bottom:0}
.prose ul{margin:0 0 10px;padding-left:20px;color:var(--muted)}
.prose li{margin:4px 0}

/* form */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;box-shadow:var(--shadow)}
.form-card h2{font-family:Archivo,sans-serif;font-size:1.35rem;margin:0 0 4px}
.form-card .sub{color:var(--muted);font-size:.93rem;margin:0 0 18px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:440px){.row{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label,.field legend{display:block;font-weight:700;font-size:.9rem;margin-bottom:6px}
.field .opt{font-weight:400;color:var(--muted)}
.field input[type=text],.field input[type=email],.field input[type=tel],.field select{
  width:100%;min-height:48px;padding:10px 14px;border-radius:12px;border:1.5px solid var(--line);
  background:var(--bg);color:var(--ink);font:inherit;font-size:16px;transition:border-color .15s,box-shadow .15s}
.field input:focus,.field select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px color-mix(in srgb,var(--primary) 22%,transparent)}
.field input[aria-invalid=true]{border-color:#B3261E}
fieldset.field{border:0;padding:0;margin:0 0 14px}
.choices{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.choice{position:relative}
.choice input{position:absolute;opacity:0;inset:0}
.choice span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:46px;padding:8px 10px;border-radius:12px;border:1.5px solid var(--line);background:var(--bg);font-weight:600;font-size:.92rem;cursor:pointer;transition:all .15s}
.choice input:checked+span{border-color:var(--primary);background:color-mix(in srgb,var(--primary) 12%,var(--card));color:var(--primary-deep)}
.choice input:focus-visible+span{outline:3px solid var(--primary);outline-offset:2px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted);margin:0 0 12px;cursor:pointer}
.check input{flex:none;width:20px;height:20px;margin:1px 0 0;accent-color:var(--primary-deep)}
.check b{color:var(--ink)}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.submit{width:100%;min-height:54px;margin-top:6px;border:0;border-radius:14px;background:var(--primary-deep);color:#fff;font:inherit;font-family:Archivo,sans-serif;font-weight:800;font-size:1.1rem;cursor:pointer;transition:background .15s,transform .15s}
.submit:hover{transform:translateY(-1px)}
.submit[disabled]{opacity:.65;cursor:progress;transform:none}
.form-msg{margin:12px 0 0;font-size:.9rem;font-weight:600;color:#B3261E;min-height:1px}
.fine{font-size:.78rem;color:var(--muted);margin:14px 0 0;line-height:1.5}
.fine a{color:var(--muted)}

/* contest list cards */
.card .when{display:block;font-weight:700;color:var(--primary-deep);font-size:.82rem;margin-top:4px}

/* thank-you */
.big-check{width:84px;height:84px;border-radius:50%;margin:10px auto 18px;display:grid;place-items:center;background:color-mix(in srgb,var(--accent) 18%,var(--card));color:var(--accent)}
.big-check svg{width:42px;height:42px}
.center{text-align:center}