/* Creditfern — cfrn.css
   Brand: Forest Green / Limestone White / Verdant Mint
   Typography: DM Sans (headlines) + Inter (body) + JetBrains Mono (code)
   Build: 2026-05-23
*/

/* ============================================================
   CSS CUSTOM PROPERTIES
   ============================================================ */
:root {
  --fern-forest:    #1B4332;
  --limestone:      #FAFAF8;
  --verdant-mint:   #40916C;
  --sage-spark:     #74C69D;
  --banking-tan:    #D4A96A;
  --charcoal:       #1C2B1E;
  --stone-gray:     #4B5563;
  --approval-green: #2D6A4F;
  --review-ochre:   #B45309;
  --linen-mist:     #E2E8E0;
  --pale-fern:      #EEF4EE;

  --shadow-card:    0 2px 12px rgba(27,67,50,0.08);
  --shadow-nav:     0 1px 0 var(--linen-mist);
  --radius-card:    8px;
  --radius-btn:     6px;
  --radius-input:   4px;

  --nav-h:          68px;

  --font-head:      'DM Sans', sans-serif;
  --font-body:      'Inter', sans-serif;
  --font-mono:      'JetBrains Mono', monospace;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--limestone);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--verdant-mint);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

ul, ol {
  list-style: none;
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  color: var(--charcoal);
  line-height: 1.15;
}

h1 { font-size: clamp(34px, 5vw, 54px); font-weight: 700; }
h2 { font-size: clamp(26px, 3.5vw, 36px); font-weight: 700; }
h3 { font-size: clamp(20px, 2.5vw, 24px); font-weight: 600; }
h4 { font-size: 18px; font-weight: 600; }
h5 { font-size: 16px; font-weight: 600; }

p {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--stone-gray);
}

.lead {
  font-size: 18px;
  line-height: 1.65;
  color: var(--stone-gray);
}

code, pre, .mono {
  font-family: var(--font-mono);
  font-size: 14px;
}

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

.section--sm {
  padding: 64px 0;
}

.section--lg {
  padding: 112px 0;
}

.section--dark {
  background: var(--fern-forest);
  color: var(--limestone);
}

.section--pale {
  background: var(--pale-fern);
}

.section--tan {
  background: #F7F0E8;
}

.text-center { text-align: center; }
.text-left   { text-align: left; }

.flex        { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-8       { gap: 8px; }
.gap-16      { gap: 16px; }
.gap-24      { gap: 24px; }
.gap-32      { gap: 32px; }
.gap-48      { gap: 48px; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-btn);
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  line-height: 1;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background 0.18s, border-color 0.18s, color 0.18s, transform 0.1s;
  text-decoration: none;
}

.btn:hover { text-decoration: none; }

.btn--primary {
  background: var(--fern-forest);
  color: #fff;
  border-color: var(--fern-forest);
}

.btn--primary:hover {
  background: #14352A;
  border-color: var(--verdant-mint);
}

.btn--outline {
  background: transparent;
  color: var(--fern-forest);
  border-color: var(--fern-forest);
}

.btn--outline:hover {
  background: var(--pale-fern);
}

.btn--ghost {
  background: transparent;
  color: var(--charcoal);
  border-color: transparent;
  padding: 12px 0;
  gap: 6px;
}

.btn--ghost:hover {
  color: var(--fern-forest);
  text-decoration: underline;
}

.btn--white {
  background: #fff;
  color: var(--fern-forest);
  border-color: #fff;
}

.btn--white:hover {
  background: var(--pale-fern);
  border-color: var(--pale-fern);
}

.btn--lg {
  padding: 15px 32px;
  font-size: 16px;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.cfrn-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  transition: background 0.25s, box-shadow 0.25s;
  background: transparent;
}

.cfrn-nav.nav-scrolled {
  background: var(--limestone);
  box-shadow: var(--shadow-nav);
}

.cfrn-nav__inner {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 0;
}

.cfrn-nav__logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  margin-right: auto;
}

.cfrn-nav__logo svg,
.cfrn-nav__logo img {
  height: 36px;
  width: auto;
  max-width: 200px;
}

.cfrn-nav__wordmark {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 20px;
  color: var(--charcoal);
  letter-spacing: -0.3px;
}

.cfrn-nav__wordmark span.green {
  color: var(--fern-forest);
}

.cfrn-nav__links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.cfrn-nav__links > li {
  position: relative;
}

.cfrn-nav__links > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 500;
  color: var(--charcoal);
  border-radius: 4px;
  transition: color 0.15s, background 0.15s;
  text-decoration: none;
}

.cfrn-nav__links > li > a:hover {
  color: var(--fern-forest);
  background: var(--pale-fern);
  text-decoration: none;
}

.cfrn-nav__links > li > a svg.chevron {
  width: 14px;
  height: 14px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
  transition: transform 0.2s;
}

.cfrn-nav__links > li:hover > a svg.chevron {
  transform: rotate(180deg);
}

.cfrn-nav__dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-card);
  box-shadow: 0 8px 24px rgba(27,67,50,0.12);
  min-width: 220px;
  padding: 8px;
  list-style: none;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition: opacity 0.15s, transform 0.15s;
}

.cfrn-nav__links > li:hover .cfrn-nav__dropdown,
.cfrn-nav__links > li:focus-within .cfrn-nav__dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.cfrn-nav__dropdown li a {
  display: block;
  padding: 10px 14px;
  border-radius: 4px;
  font-size: 14px;
  color: var(--charcoal);
  transition: background 0.12s, color 0.12s;
  text-decoration: none;
}

.cfrn-nav__dropdown li a:hover {
  background: var(--pale-fern);
  color: var(--fern-forest);
  text-decoration: none;
}

body.light-hero .cfrn-nav__dropdown {
  background: #fff;
  border-color: var(--linen-mist);
}
body.light-hero .cfrn-nav__dropdown li a {
  color: var(--charcoal);
}
body.light-hero .cfrn-nav__dropdown li a:hover {
  background: var(--pale-fern);
  color: var(--fern-forest);
}

.cfrn-nav__utility {
  margin: 0 8px 0 12px;
}

.cfrn-nav__utility a {
  font-size: 13px;
  color: var(--stone-gray);
  font-weight: 500;
  text-decoration: none;
  padding: 6px 8px;
  transition: color 0.15s;
}

.cfrn-nav__utility a:hover {
  color: var(--verdant-mint);
  text-decoration: none;
}

.cfrn-nav__cta {
  margin-left: 12px;
}

.cfrn-nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
  margin-left: auto;
}

.cfrn-nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--charcoal);
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
}

.cfrn-nav__hamburger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.cfrn-nav__hamburger.open span:nth-child(2) {
  opacity: 0;
}

.cfrn-nav__hamburger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.cfrn-nav__drawer {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--fern-forest);
  z-index: 999;
  padding: 32px 24px;
  overflow-y: auto;
  flex-direction: column;
  gap: 0;
}

.cfrn-nav__drawer.open {
  display: flex;
}

.cfrn-nav__drawer a {
  display: block;
  padding: 14px 0;
  font-size: 18px;
  font-weight: 600;
  color: #fff;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  text-decoration: none;
  font-family: var(--font-head);
}

.cfrn-nav__drawer a.drawer-sub {
  font-size: 15px;
  font-weight: 400;
  padding: 10px 0 10px 20px;
  color: var(--sage-spark);
  border-bottom: none;
}

.cfrn-nav__drawer a:hover {
  color: var(--sage-spark);
  text-decoration: none;
}

.cfrn-nav__drawer .drawer-cta {
  margin-top: 24px;
  padding: 0;
  border-bottom: none;
}

.cfrn-nav__drawer .drawer-cta .btn {
  width: 100%;
  justify-content: center;
}

/* Light hero / page: force nav text dark from start since bg is light */
body.light-hero .cfrn-nav:not(.nav-scrolled) {
  background: rgba(250,250,248,0.9);
  backdrop-filter: blur(8px);
}

/* ============================================================
   HERO — index split light
   ============================================================ */
.cfrn-hero {
  min-height: 100vh;
  padding-top: var(--nav-h);
  background: var(--limestone);
  display: flex;
  align-items: center;
}

.cfrn-hero__inner {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 80px 24px 64px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.cfrn-hero__text h1 {
  font-size: clamp(36px, 4vw, 54px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--charcoal);
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}

.cfrn-hero__text .lead {
  margin-bottom: 32px;
  max-width: 520px;
}

.cfrn-hero__ctas {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.cfrn-hero__chips {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.cfrn-hero__chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: var(--pale-fern);
  border: 1px solid var(--linen-mist);
  border-radius: 20px;
  font-size: 13px;
  font-weight: 500;
  color: var(--charcoal);
}

.cfrn-hero__chip svg {
  width: 14px;
  height: 14px;
  stroke: var(--verdant-mint);
  fill: none;
  stroke-width: 2.5;
  flex-shrink: 0;
}

.cfrn-hero__visual {
  display: flex;
  justify-content: center;
  align-items: center;
}

.cfrn-hero__visual img {
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  max-width: 100%;
}

/* Hero SVG cashflow card */
.cashflow-card {
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: 12px;
  padding: 28px 28px 24px;
  box-shadow: 0 8px 32px rgba(27,67,50,0.10);
  width: 100%;
  max-width: 440px;
}

.cashflow-card__title {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  color: var(--stone-gray);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}

.cashflow-chart {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 100px;
  margin-bottom: 12px;
}

.cashflow-chart__bar {
  flex: 1;
  border-radius: 3px 3px 0 0;
  background: var(--verdant-mint);
  transition: opacity 0.2s;
}

.cashflow-chart__bar--review {
  background: var(--review-ochre);
  opacity: 0.8;
}

.cashflow-chart__labels {
  display: flex;
  gap: 6px;
  margin-bottom: 16px;
}

.cashflow-chart__labels span {
  flex: 1;
  font-size: 9px;
  color: var(--stone-gray);
  text-align: center;
}

.cashflow-card__metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}

.cashflow-card__metric-item {
  background: var(--pale-fern);
  border-radius: 6px;
  padding: 10px 12px;
}

.cashflow-card__metric-item .label {
  font-size: 11px;
  color: var(--stone-gray);
  margin-bottom: 4px;
}

.cashflow-card__metric-item .value {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--charcoal);
}

.cashflow-card__recommendation {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  background: #D1FAE5;
  border-radius: 6px;
  border-left: 4px solid var(--approval-green);
}

.cashflow-card__recommendation svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  stroke: var(--approval-green);
  fill: none;
  stroke-width: 2.5;
}

.cashflow-card__recommendation span {
  font-size: 13px;
  font-weight: 600;
  color: var(--approval-green);
}

/* ============================================================
   PAGE HERO (sub-pages)
   ============================================================ */
.cfrn-page-hero {
  padding-top: calc(var(--nav-h) + 72px);
  padding-bottom: 72px;
  background: var(--fern-forest);
  position: relative;
  overflow: hidden;
}

.cfrn-page-hero__inner {
  max-width: 760px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

.cfrn-page-hero h1 {
  color: #fff;
  margin-bottom: 16px;
  font-size: clamp(30px, 4vw, 48px);
}

.cfrn-page-hero p.lead {
  color: rgba(255,255,255,0.80);
  font-size: 18px;
  max-width: 640px;
}

/* Light variant — must come AFTER default dark rules to override */
.cfrn-page-hero.cfrn-page-hero--light {
  background: var(--limestone);
}

.cfrn-page-hero.cfrn-page-hero--light h1 {
  color: var(--charcoal);
}

.cfrn-page-hero.cfrn-page-hero--light p,
.cfrn-page-hero.cfrn-page-hero--light p.lead {
  color: var(--stone-gray);
}

.cfrn-page-hero__decoration {
  position: absolute;
  right: -40px;
  top: 50%;
  transform: translateY(-50%);
  opacity: 0.06;
  pointer-events: none;
}

.cfrn-page-hero--img {
  background: var(--fern-forest);
  min-height: 340px;
}

.cfrn-page-hero--img img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.35;
}

/* ============================================================
   TRUST STRIP / SEGMENT STRIP
   ============================================================ */
.cfrn-trust-strip {
  padding: 56px 0;
  background: var(--pale-fern);
  text-align: center;
}

.cfrn-trust-strip__heading {
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--stone-gray);
  text-transform: uppercase;
  letter-spacing: 0.09em;
  margin-bottom: 32px;
}

.cfrn-trust-strip__segments {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.cfrn-trust-strip__segment {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

.cfrn-trust-strip__segment svg {
  width: 36px;
  height: 36px;
  stroke: var(--fern-forest);
  fill: none;
  stroke-width: 1.5;
}

.cfrn-trust-strip__segment span {
  font-size: 14px;
  font-weight: 600;
  color: var(--charcoal);
}

.cfrn-trust-strip__divider {
  width: 60px;
  height: 1px;
  background: var(--linen-mist);
  margin: 24px auto;
}

.cfrn-trust-strip__integrations {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}

.cfrn-trust-strip__int-label {
  font-size: 12px;
  color: var(--stone-gray);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-right: 8px;
}

.cfrn-trust-strip__int-item {
  font-size: 13px;
  font-weight: 600;
  color: var(--stone-gray);
  padding: 6px 14px;
  border: 1px solid var(--linen-mist);
  border-radius: 4px;
  background: #fff;
}

/* ============================================================
   PROBLEM / SOLUTION TWO-COLUMN
   ============================================================ */
.cfrn-problem {
  padding: 96px 0;
  background: var(--limestone);
}

.cfrn-problem__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.cfrn-problem__col h3 {
  margin-bottom: 24px;
  font-size: 22px;
}

.cfrn-problem__list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.cfrn-problem__item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.cfrn-problem__item-icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  margin-top: 2px;
}

.cfrn-problem__item p {
  font-size: 15px;
  line-height: 1.55;
  color: var(--stone-gray);
}

.icon-x {
  stroke: #DC2626;
  fill: none;
  stroke-width: 2.5;
}

.icon-check {
  stroke: var(--verdant-mint);
  fill: none;
  stroke-width: 2.5;
}

/* ============================================================
   HOW IT WORKS PREVIEW (3 steps)
   ============================================================ */
.cfrn-steps {
  padding: 96px 0;
  background: var(--pale-fern);
}

.cfrn-steps__header {
  text-align: center;
  margin-bottom: 56px;
}

.cfrn-steps__header p {
  max-width: 600px;
  margin: 12px auto 0;
}

.cfrn-steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.cfrn-step {
  position: relative;
  padding: 32px 28px;
  background: #fff;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
}

.cfrn-step__num {
  font-family: var(--font-head);
  font-size: 40px;
  font-weight: 700;
  color: var(--fern-forest);
  opacity: 0.18;
  line-height: 1;
  margin-bottom: 8px;
}

.cfrn-step__icon {
  width: 40px;
  height: 40px;
  stroke: var(--fern-forest);
  fill: none;
  stroke-width: 1.5;
  margin-bottom: 14px;
}

.cfrn-step h4 {
  margin-bottom: 10px;
  font-size: 18px;
}

.cfrn-step p {
  font-size: 15px;
}

.cfrn-steps__link {
  text-align: center;
  margin-top: 40px;
}

/* ============================================================
   FEATURE BLOCKS (alternating)
   ============================================================ */
.cfrn-features {
  padding: 96px 0;
  background: var(--limestone);
}

.cfrn-feature-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  margin-bottom: 80px;
}

.cfrn-feature-block:last-child {
  margin-bottom: 0;
}

.cfrn-feature-block--reverse {
  direction: rtl;
}

.cfrn-feature-block--reverse > * {
  direction: ltr;
}

.cfrn-feature-block__visual img {
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  width: 100%;
}

.cfrn-feature-block__text .eyebrow {
  font-size: 12px;
  font-weight: 600;
  color: var(--verdant-mint);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.cfrn-feature-block__text h3 {
  margin-bottom: 16px;
  font-size: 26px;
}

.cfrn-feature-block__text p {
  margin-bottom: 0;
}

/* ============================================================
   SEGMENT CARDS (3-col dark)
   ============================================================ */
.cfrn-segments {
  padding: 80px 0;
  background: var(--fern-forest);
}

.cfrn-segments__header {
  text-align: center;
  margin-bottom: 48px;
}

.cfrn-segments__header h2 {
  color: #fff;
}

.cfrn-segments__header p {
  color: rgba(255,255,255,0.7);
  max-width: 540px;
  margin: 12px auto 0;
}

.cfrn-segments__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.cfrn-segment-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-card);
  padding: 32px 28px;
  transition: background 0.2s, transform 0.2s;
}

.cfrn-segment-card:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-2px);
}

.cfrn-segment-card__icon {
  width: 40px;
  height: 40px;
  stroke: var(--sage-spark);
  fill: none;
  stroke-width: 1.5;
  margin-bottom: 16px;
}

.cfrn-segment-card h4 {
  color: #fff;
  margin-bottom: 10px;
  font-size: 18px;
}

.cfrn-segment-card p {
  color: rgba(255,255,255,0.70);
  font-size: 14px;
  margin-bottom: 20px;
}

.cfrn-segment-card a {
  font-size: 13px;
  font-weight: 600;
  color: var(--sage-spark);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  text-decoration: none;
  transition: gap 0.15s;
}

.cfrn-segment-card a:hover {
  gap: 8px;
  text-decoration: none;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.cfrn-testimonials {
  padding: 96px 0;
  background: var(--limestone);
}

.cfrn-testimonials__header {
  text-align: center;
  margin-bottom: 48px;
}

.cfrn-testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.cfrn-testimonial {
  background: #fff;
  border-radius: var(--radius-card);
  border-left: 4px solid var(--fern-forest);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
}

.cfrn-testimonial__quote {
  font-size: 15px;
  line-height: 1.65;
  color: var(--charcoal);
  margin-bottom: 20px;
  font-style: italic;
}

.cfrn-testimonial__attribution {
  font-size: 13px;
  font-weight: 600;
  color: var(--stone-gray);
}

.cfrn-testimonial__attribution span {
  color: var(--verdant-mint);
  display: block;
  font-weight: 500;
  font-size: 12px;
  margin-top: 2px;
}

/* ============================================================
   CHARLOTTE BAND
   ============================================================ */
.cfrn-charlotte-band {
  padding: 40px 0;
  background: var(--pale-fern);
  border-top: 1px solid var(--linen-mist);
  border-bottom: 1px solid var(--linen-mist);
}

.cfrn-charlotte-band__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 24px;
}

.cfrn-charlotte-band__icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
  stroke: var(--fern-forest);
  fill: none;
  stroke-width: 1.5;
  opacity: 0.7;
}

.cfrn-charlotte-band__text h4 {
  font-size: 16px;
  margin-bottom: 4px;
  color: var(--charcoal);
}

.cfrn-charlotte-band__text p {
  font-size: 14px;
  color: var(--stone-gray);
}

/* ============================================================
   FOUNDER CTA SECTION
   ============================================================ */
.cfrn-founder-cta {
  padding: 96px 0;
  background: #F7F0E8;
}

.cfrn-founder-cta__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 64px;
  align-items: center;
}

.cfrn-founder-cta__text h2 {
  font-size: clamp(28px, 3vw, 36px);
  margin-bottom: 16px;
}

.cfrn-founder-cta__text p {
  font-size: 16px;
  line-height: 1.65;
  max-width: 520px;
  margin-bottom: 28px;
}

.cfrn-founder-cta__portrait {
  width: 220px;
  flex-shrink: 0;
}

.cfrn-founder-cta__portrait img {
  width: 100%;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
}

/* ============================================================
   FOOTER
   ============================================================ */
.cfrn-footer {
  background: var(--pale-fern);
  border-top: 1px solid var(--linen-mist);
  padding: 64px 0 0;
}

.cfrn-footer__grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}

.cfrn-footer__col-1 .cfrn-footer__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  text-decoration: none;
}

.cfrn-footer__logo svg {
  width: 32px;
  height: 32px;
}

.cfrn-footer__logo-word {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 18px;
  color: var(--charcoal);
}

.cfrn-footer__logo-word span {
  color: var(--fern-forest);
}

.cfrn-footer__tagline {
  font-size: 14px;
  color: var(--stone-gray);
  line-height: 1.5;
  margin-bottom: 16px;
}

.cfrn-footer__contact p {
  font-size: 13px;
  color: var(--stone-gray);
  line-height: 1.7;
}

.cfrn-footer__col h5 {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--charcoal);
  margin-bottom: 16px;
}

.cfrn-footer__col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cfrn-footer__col ul li a {
  font-size: 14px;
  color: var(--stone-gray);
  text-decoration: none;
  transition: color 0.15s;
}

.cfrn-footer__col ul li a:hover {
  color: var(--fern-forest);
  text-decoration: none;
}

.cfrn-footer__bottom {
  border-top: 1px solid var(--linen-mist);
  padding: 20px 0 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.cfrn-footer__bottom-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}

.cfrn-footer__bottom-bar span {
  font-size: 13px;
  color: var(--stone-gray);
}

.cfrn-footer__disclaimer {
  font-size: 12px;
  color: var(--stone-gray);
  opacity: 0.75;
  line-height: 1.5;
  max-width: 800px;
}

/* ============================================================
   METRICS / STATS CALLOUT
   ============================================================ */
.cfrn-metrics {
  padding: 80px 0;
  background: var(--fern-forest);
}

.cfrn-metrics__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  text-align: center;
}

.cfrn-metric-card {
  padding: 32px 24px;
}

.cfrn-metric-card__value {
  font-family: var(--font-head);
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 700;
  color: var(--sage-spark);
  line-height: 1;
  margin-bottom: 8px;
}

.cfrn-metric-card__label {
  font-size: 15px;
  color: rgba(255,255,255,0.75);
  line-height: 1.4;
}

/* ============================================================
   PRICING
   ============================================================ */
.cfrn-pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.cfrn-pricing-card {
  background: #fff;
  border: 2px solid var(--linen-mist);
  border-radius: var(--radius-card);
  padding: 36px 28px;
  position: relative;
  display: flex;
  flex-direction: column;
}

.cfrn-pricing-card--featured {
  border-color: var(--fern-forest);
  transform: translateY(-8px);
  box-shadow: 0 8px 32px rgba(27,67,50,0.14);
}

.cfrn-pricing-card__badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--fern-forest);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 20px;
  white-space: nowrap;
}

.cfrn-pricing-card__name {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 6px;
}

.cfrn-pricing-card__price {
  font-family: var(--font-head);
  font-size: 36px;
  font-weight: 700;
  color: var(--fern-forest);
  margin-bottom: 4px;
  line-height: 1;
}

.cfrn-pricing-card__price-note {
  font-size: 13px;
  color: var(--stone-gray);
  margin-bottom: 24px;
}

.cfrn-pricing-card__desc {
  font-size: 14px;
  color: var(--stone-gray);
  margin-bottom: 24px;
  line-height: 1.55;
}

.cfrn-pricing-card__features {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
  flex: 1;
}

.cfrn-pricing-card__features li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 14px;
  color: var(--charcoal);
}

.cfrn-pricing-card__features li svg {
  width: 16px;
  height: 16px;
  stroke: var(--verdant-mint);
  fill: none;
  stroke-width: 2.5;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ============================================================
   INTEGRATIONS PAGE
   ============================================================ */
.cfrn-integration-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.cfrn-integration-card {
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-card);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
}

.cfrn-integration-card h4 {
  font-size: 18px;
  margin-bottom: 10px;
  color: var(--charcoal);
}

.cfrn-integration-card p {
  font-size: 14px;
  color: var(--stone-gray);
  line-height: 1.55;
}

.cfrn-integration-card__badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 12px;
  background: var(--pale-fern);
  color: var(--fern-forest);
}

.cfrn-integration-card__badge--coming {
  background: #FEF3C7;
  color: var(--review-ochre);
}

/* Code block */
.cfrn-code-block {
  background: var(--charcoal);
  border-radius: var(--radius-card);
  padding: 28px 32px;
  overflow-x: auto;
  margin: 40px 0;
}

.cfrn-code-block pre {
  font-family: var(--font-mono);
  font-size: 13px;
  line-height: 1.7;
  color: #D1FAE5;
  white-space: pre;
}

.cfrn-code-block pre .key { color: var(--sage-spark); }
.cfrn-code-block pre .val { color: #FCD34D; }
.cfrn-code-block pre .str { color: #A7F3D0; }
.cfrn-code-block pre .num { color: #F9A8D4; }
.cfrn-code-block pre .comment { color: rgba(255,255,255,0.35); }

/* ============================================================
   SECURITY PAGE
   ============================================================ */
.cfrn-security-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.cfrn-security-item {
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-card);
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
}

.cfrn-security-item__icon {
  width: 36px;
  height: 36px;
  stroke: var(--fern-forest);
  fill: none;
  stroke-width: 1.5;
  margin-bottom: 14px;
}

.cfrn-security-item h4 {
  font-size: 17px;
  margin-bottom: 8px;
}

.cfrn-security-item p {
  font-size: 14px;
}

/* ============================================================
   CUSTOMERS / CASE STUDIES
   ============================================================ */
.cfrn-case-study {
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-card);
  padding: 40px 36px;
  box-shadow: var(--shadow-card);
  margin-bottom: 32px;
}

.cfrn-case-study__header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 24px;
  flex-wrap: wrap;
  gap: 16px;
}

.cfrn-case-study__institution {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 4px;
}

.cfrn-case-study__role {
  font-size: 13px;
  color: var(--stone-gray);
}

.cfrn-case-study__metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}

.cfrn-case-study__metric {
  text-align: center;
  padding: 16px 12px;
  background: var(--pale-fern);
  border-radius: 6px;
}

.cfrn-case-study__metric .num {
  font-family: var(--font-head);
  font-size: 26px;
  font-weight: 700;
  color: var(--fern-forest);
  display: block;
  margin-bottom: 4px;
}

.cfrn-case-study__metric .desc {
  font-size: 12px;
  color: var(--stone-gray);
  line-height: 1.4;
}

.cfrn-case-study__quote {
  font-style: italic;
  font-size: 15px;
  color: var(--charcoal);
  line-height: 1.65;
  border-left: 4px solid var(--fern-forest);
  padding-left: 18px;
}

/* ============================================================
   ABOUT PAGE — Team
   ============================================================ */
.cfrn-team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 48px;
}

.cfrn-team-card {
  text-align: center;
}

.cfrn-team-card__avatar {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: var(--fern-forest);
  color: #fff;
  font-family: var(--font-head);
  font-size: 28px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
}

.cfrn-team-card__portrait {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 14px;
  display: block;
}

.cfrn-team-card h4 {
  font-size: 17px;
  margin-bottom: 4px;
}

.cfrn-team-card p {
  font-size: 13px;
  color: var(--stone-gray);
}

/* ============================================================
   BLOG
   ============================================================ */
.cfrn-blog-hero {
  padding-top: calc(var(--nav-h) + 64px);
  padding-bottom: 64px;
  background: var(--fern-forest);
}

.cfrn-blog-hero h1 {
  color: #fff;
  font-size: clamp(32px, 4vw, 48px);
  margin-bottom: 12px;
}

.cfrn-blog-hero p {
  color: rgba(255,255,255,0.75);
  font-size: 18px;
}

.cfrn-blog-featured {
  padding: 80px 0 0;
  background: var(--limestone);
}

.cfrn-blog-featured__card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  background: #fff;
  border-radius: var(--radius-card);
  border: 1px solid var(--linen-mist);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  align-items: stretch;
}

.cfrn-blog-featured__visual {
  background: var(--pale-fern);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 280px;
}

.cfrn-blog-featured__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.cfrn-blog-featured__content {
  padding: 40px 40px 40px 0;
  display: flex;
  flex-direction: column;
}

.cfrn-blog-featured__content .cat-tag {
  margin-bottom: 16px;
}

.cfrn-blog-featured__content h2 {
  font-size: clamp(22px, 2.5vw, 28px);
  margin-bottom: 14px;
  line-height: 1.25;
}

.cfrn-blog-featured__content h2 a {
  color: var(--charcoal);
  text-decoration: none;
}

.cfrn-blog-featured__content h2 a:hover {
  color: var(--fern-forest);
}

.cfrn-blog-featured__content p {
  flex: 1;
  margin-bottom: 24px;
  font-size: 15px;
}

.cfrn-blog-featured__meta {
  font-size: 13px;
  color: var(--stone-gray);
}

.cfrn-blog-grid {
  padding: 48px 0 96px;
  background: var(--limestone);
}

.cfrn-blog-grid__header {
  margin-bottom: 32px;
}

.cfrn-blog-grid__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.cfrn-blog-card {
  background: #fff;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-card);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s;
}

.cfrn-blog-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(27,67,50,0.12);
}

.cfrn-blog-card__body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.cfrn-blog-card__body h3 {
  font-size: 17px;
  margin-bottom: 10px;
  line-height: 1.35;
}

.cfrn-blog-card__body h3 a {
  color: var(--charcoal);
  text-decoration: none;
}

.cfrn-blog-card__body h3 a:hover {
  color: var(--fern-forest);
}

.cfrn-blog-card__body p {
  font-size: 14px;
  flex: 1;
  margin-bottom: 20px;
}

.cfrn-blog-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  border-top: 1px solid var(--linen-mist);
}

.cfrn-blog-card__footer time {
  font-size: 12px;
  color: var(--stone-gray);
}

.cfrn-blog-card__footer a {
  font-size: 13px;
  font-weight: 600;
  color: var(--verdant-mint);
}

/* Category tags */
.cat-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

.cat-tag--underwriting  { background: #D1FAE5; color: var(--approval-green); }
.cat-tag--regulation    { background: #DBEAFE; color: #1E40AF; }
.cat-tag--technology    { background: #F3E8FF; color: #7C3AED; }
.cat-tag--community     { background: #FEF3C7; color: #92400E; }

/* ============================================================
   BLOG ARTICLE
   ============================================================ */
.cfrn-article {
  padding: 80px 0;
  background: var(--limestone);
}

.cfrn-article__container {
  max-width: 740px;
  margin: 0 auto;
  padding: 0 24px;
}

.cfrn-article__meta {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.cfrn-article__body {
  font-size: 16px;
  line-height: 1.7;
  color: var(--charcoal);
}

.cfrn-article__body h2 {
  font-size: 24px;
  margin: 40px 0 14px;
}

.cfrn-article__body h3 {
  font-size: 20px;
  margin: 32px 0 12px;
}

.cfrn-article__body p {
  margin-bottom: 20px;
  font-size: 16px;
  color: var(--charcoal);
}

.cfrn-article__body ul,
.cfrn-article__body ol {
  list-style: disc;
  padding-left: 28px;
  margin-bottom: 20px;
}

.cfrn-article__body li {
  margin-bottom: 8px;
  font-size: 16px;
  color: var(--charcoal);
}

.cfrn-article__body blockquote {
  border-left: 4px solid var(--fern-forest);
  margin: 32px 0;
  padding: 12px 20px;
  background: var(--pale-fern);
  border-radius: 0 4px 4px 0;
  font-style: italic;
}

/* ============================================================
   BLOG SUBSCRIBE STRIP
   ============================================================ */
.cfrn-subscribe {
  padding: 64px 0;
  background: var(--pale-fern);
  text-align: center;
}

.cfrn-subscribe h3 {
  margin-bottom: 8px;
}

.cfrn-subscribe p {
  margin-bottom: 24px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}

.cfrn-subscribe__form {
  display: flex;
  gap: 12px;
  max-width: 440px;
  margin: 0 auto;
  flex-wrap: wrap;
}

.cfrn-subscribe__form input {
  flex: 1;
  min-width: 220px;
  padding: 12px 16px;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-input);
  font-family: var(--font-body);
  font-size: 15px;
  background: #fff;
  color: var(--charcoal);
  outline: none;
}

.cfrn-subscribe__form input:focus {
  border-color: var(--verdant-mint);
}

/* ============================================================
   FAQ
   ============================================================ */
.cfrn-faq {
  padding: 80px 0;
  background: var(--limestone);
}

.cfrn-faq__list {
  max-width: 720px;
  margin: 48px auto 0;
}

.cfrn-faq__item {
  border-bottom: 1px solid var(--linen-mist);
}

.cfrn-faq__question {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  cursor: pointer;
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 600;
  color: var(--charcoal);
  text-align: left;
  gap: 16px;
}

.cfrn-faq__question svg {
  width: 20px;
  height: 20px;
  stroke: var(--verdant-mint);
  fill: none;
  stroke-width: 2;
  flex-shrink: 0;
  transition: transform 0.2s;
}

.cfrn-faq__item.open .cfrn-faq__question svg {
  transform: rotate(45deg);
}

.cfrn-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.cfrn-faq__item.open .cfrn-faq__answer {
  max-height: 600px;
}

.cfrn-faq__answer p {
  padding: 0 0 20px;
  font-size: 15px;
}

/* ============================================================
   CONTACT FORM
   ============================================================ */
.cfrn-contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.cfrn-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.cfrn-form__group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.cfrn-form__group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--charcoal);
}

.cfrn-form__group input,
.cfrn-form__group select,
.cfrn-form__group textarea {
  padding: 11px 14px;
  border: 1px solid var(--linen-mist);
  border-radius: var(--radius-input);
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--charcoal);
  background: #fff;
  outline: none;
  transition: border-color 0.15s;
  width: 100%;
}

.cfrn-form__group input:focus,
.cfrn-form__group select:focus,
.cfrn-form__group textarea:focus {
  border-color: var(--verdant-mint);
}

.cfrn-form__group textarea {
  resize: vertical;
  min-height: 100px;
}

.cfrn-form__group select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%234B5563' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}

.cfrn-contact-info h3 {
  margin-bottom: 20px;
  font-size: 22px;
}

.cfrn-contact-info__detail {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 18px;
}

.cfrn-contact-info__detail svg {
  width: 20px;
  height: 20px;
  stroke: var(--verdant-mint);
  fill: none;
  stroke-width: 1.8;
  flex-shrink: 0;
  margin-top: 2px;
}

.cfrn-contact-info__detail p {
  font-size: 15px;
  color: var(--charcoal);
}

.cfrn-contact-info__detail a {
  color: var(--verdant-mint);
}

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.cfrn-legal {
  padding: 80px 0;
  background: var(--limestone);
}

.cfrn-legal__container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
}

.cfrn-legal__body h2 {
  font-size: 22px;
  margin: 40px 0 12px;
  padding-left: 14px;
  border-left: 4px solid var(--verdant-mint);
}

.cfrn-legal__body h3 {
  font-size: 18px;
  margin: 28px 0 10px;
}

.cfrn-legal__body p {
  margin-bottom: 16px;
  font-size: 15px;
  color: var(--charcoal);
}

.cfrn-legal__body ul {
  list-style: disc;
  padding-left: 28px;
  margin-bottom: 16px;
}

.cfrn-legal__body li {
  font-size: 15px;
  color: var(--charcoal);
  margin-bottom: 6px;
}

.cfrn-legal__body table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 14px;
}

.cfrn-legal__body th {
  background: var(--pale-fern);
  padding: 10px 14px;
  font-weight: 600;
  border: 1px solid var(--linen-mist);
  text-align: left;
}

.cfrn-legal__body td {
  padding: 9px 14px;
  border: 1px solid var(--linen-mist);
  vertical-align: top;
}

.cfrn-legal__body tr:nth-child(even) td {
  background: var(--pale-fern);
}

/* ============================================================
   404 PAGE
   ============================================================ */
.cfrn-404 {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: calc(var(--nav-h) + 40px) 24px 80px;
  background: var(--limestone);
  text-align: center;
}

.cfrn-404__code {
  font-family: var(--font-head);
  font-size: clamp(80px, 12vw, 140px);
  font-weight: 700;
  color: var(--fern-forest);
  opacity: 0.15;
  line-height: 1;
  margin-bottom: -20px;
}

.cfrn-404 h1 {
  font-size: clamp(24px, 3vw, 36px);
  margin-bottom: 12px;
}

.cfrn-404 p {
  margin-bottom: 32px;
  font-size: 16px;
}

/* ============================================================
   COOKIE BANNER
   ============================================================ */
.cfrn-cookie {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2000;
  background: var(--charcoal);
  color: #fff;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.15);
  transform: translateY(0);
  transition: transform 0.35s;
}

.cfrn-cookie.hidden {
  transform: translateY(110%);
  pointer-events: none;
}

.cfrn-cookie__text {
  flex: 1;
  min-width: 240px;
  font-size: 14px;
  color: rgba(255,255,255,0.85);
}

.cfrn-cookie__text a {
  color: var(--sage-spark);
  text-decoration: underline;
}

.cfrn-cookie__actions {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
  flex-wrap: wrap;
}

.cfrn-cookie__accept {
  padding: 10px 20px;
  background: var(--verdant-mint);
  color: #fff;
  border: none;
  border-radius: var(--radius-btn);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font-body);
}

.cfrn-cookie__accept:hover { background: var(--fern-forest); }

.cfrn-cookie__essential {
  padding: 10px 20px;
  background: transparent;
  color: rgba(255,255,255,0.7);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-btn);
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  font-family: var(--font-body);
}

.cfrn-cookie__essential:hover {
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}

/* ============================================================
   FADE-IN ANIMATIONS
   ============================================================ */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }

/* ============================================================
   SECTION CTA BAND
   ============================================================ */
.cfrn-cta-band {
  padding: 80px 0;
  background: var(--fern-forest);
  text-align: center;
}

.cfrn-cta-band h2 {
  color: #fff;
  margin-bottom: 14px;
  font-size: clamp(26px, 3.5vw, 38px);
}

.cfrn-cta-band p {
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin: 0 auto 32px;
  font-size: 17px;
}

/* ============================================================
   PILOT CALLOUT (Pricing)
   ============================================================ */
.cfrn-pilot-note {
  background: var(--pale-fern);
  border: 1px solid var(--linen-mist);
  border-left: 4px solid var(--fern-forest);
  border-radius: 0 var(--radius-card) var(--radius-card) 0;
  padding: 20px 24px;
  margin: 32px 0;
}

.cfrn-pilot-note p {
  font-size: 15px;
  color: var(--charcoal);
}

.cfrn-pilot-note strong {
  color: var(--fern-forest);
}

/* ============================================================
   ABOUT / FOUNDER SECTION
   ============================================================ */
.cfrn-founder-grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 64px;
  align-items: start;
}

.cfrn-founder-grid img {
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  width: 100%;
}

.cfrn-founder-text h2 {
  margin-bottom: 16px;
}

.cfrn-founder-text p {
  margin-bottom: 16px;
  font-size: 16px;
  color: var(--charcoal);
}

/* ============================================================
   CHARLOTTE ECOSYSTEM (About page)
   ============================================================ */
.cfrn-charlotte-section {
  padding: 80px 0;
  background: #F7F0E8;
  position: relative;
  overflow: hidden;
}

.cfrn-charlotte-section img {
  width: 100%;
  border-radius: var(--radius-card);
  max-height: 360px;
  object-fit: cover;
  margin-top: 40px;
  box-shadow: var(--shadow-card);
}

/* ============================================================
   PRINT STYLES
   ============================================================ */
@media print {
  .cfrn-nav, .cfrn-cookie, .cfrn-nav__hamburger { display: none; }
  body { color: #000; }
}

/* ============================================================
   RESPONSIVE — TABLET (< 1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .cfrn-hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
    padding-top: 60px;
  }

  .cfrn-hero__text .lead { max-width: 100%; }
  .cfrn-hero__ctas { justify-content: center; }
  .cfrn-hero__chips { justify-content: center; }

  .cfrn-hero__visual {
    order: -1;
  }

  .cashflow-card {
    max-width: 380px;
    margin: 0 auto;
  }

  .cfrn-problem__grid { grid-template-columns: 1fr; gap: 40px; }
  .cfrn-steps__grid { grid-template-columns: 1fr; }
  .cfrn-feature-block { grid-template-columns: 1fr; gap: 32px; }
  .cfrn-feature-block--reverse { direction: ltr; }
  .cfrn-segments__grid { grid-template-columns: 1fr; }
  .cfrn-testimonials__grid { grid-template-columns: 1fr; }
  .cfrn-pricing-grid { grid-template-columns: 1fr; }
  .cfrn-pricing-card--featured { transform: none; }
  .cfrn-integration-grid { grid-template-columns: 1fr; }
  .cfrn-security-grid { grid-template-columns: 1fr; }
  .cfrn-team-grid { grid-template-columns: repeat(2, 1fr); }
  .cfrn-blog-grid__grid { grid-template-columns: repeat(2, 1fr); }
  .cfrn-blog-featured__card { grid-template-columns: 1fr; }
  .cfrn-blog-featured__content { padding: 28px; }
  .cfrn-contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .cfrn-founder-grid { grid-template-columns: 1fr; }
  .cfrn-founder-grid img { max-width: 280px; }
  .cfrn-founder-cta__inner { grid-template-columns: 1fr; gap: 32px; }
  .cfrn-founder-cta__portrait { display: none; }
  .cfrn-metrics__grid { grid-template-columns: 1fr; gap: 0; }
  .cfrn-footer__grid { grid-template-columns: 1fr 1fr; }
  .cfrn-case-study__metrics { grid-template-columns: 1fr; }
}

/* ============================================================
   RESPONSIVE — MOBILE (< 768px)
   ============================================================ */
@media (max-width: 768px) {
  .section { padding: 64px 0; }

  .cfrn-nav__links,
  .cfrn-nav__utility,
  .cfrn-nav__cta {
    display: none;
  }

  .cfrn-nav__hamburger { display: flex; }

  .cfrn-blog-grid__grid { grid-template-columns: 1fr; }
  .cfrn-team-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .cfrn-footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .cfrn-footer__bottom-bar { flex-direction: column; text-align: center; }
  .cfrn-segments__grid { grid-template-columns: 1fr; }
  .cfrn-testimonials__grid { grid-template-columns: 1fr; }
  .cfrn-trust-strip__segments { gap: 24px; }
  .cfrn-trust-strip__integrations { gap: 12px; }
  .cfrn-charlotte-band__inner { flex-direction: column; text-align: center; }
  .cfrn-metrics__grid { grid-template-columns: 1fr; }
  .cfrn-case-study { padding: 24px 20px; }
  .cfrn-case-study__header { flex-direction: column; }
}

/* Supplemental */
.cfrn-contact-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.cfrn-legal__table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  margin: 1.5rem 0;
}
.cfrn-legal__table th {
  background: var(--banking-tan, #f5f0e8);
  text-align: left;
  padding: 10px 14px;
  font-weight: 600;
  border: 1px solid var(--ghost, #e5e5e5);
}
.cfrn-legal__table td {
  padding: 9px 14px;
  border: 1px solid var(--ghost, #e5e5e5);
  vertical-align: top;
  font-size: 0.875rem;
  color: var(--charcoal, #333);
}