/* YieldBirch: birch grove in autumn. Paper-white canvas, steel-blue CTA with white text, birch gold decoration. */
:root{
  --bg:#FAF9F5;--card:#FFFFFF;--ink:#23272B;--text:#34393E;--muted:#5E6469;
  --accent:#3D6B8C;--accent-deep:#2B5270;--accent-tint:#EDF2F6;--gold:#E2B13C;--tint2:#F2E2B4;--tint3:#ECEEE6;--line:#E1E3DC;
  --foot-bg:#1F2A33;--foot-text:#E6ECF0;--foot-link:#F2CF7A;--foot-muted:#B4C0C8;
  --fd:"Spline Sans",system-ui,sans-serif;--fb:"Radio Canada",system-ui,sans-serif;--r:16px;--wrap:1160px;
}
:root{--card-max:840px;--cta-text:#FFFFFF}#storefrontloans_apply_form{min-height:0!important}#storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}#storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}#storefrontloans_apply_form .bg_holder{padding-bottom:24px!important}#storefrontloans_apply_form .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}.form-host{min-height:172px!important;text-align:left}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:var(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.14;margin:0;font-weight:700;letter-spacing:-.01em}
p,ul,ol{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:8px}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--accent-deep);outline-offset:2px}
.kicker{font-family:var(--fd);font-weight:700;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;font-family:var(--fd);font-weight:700;font-size:17px;padding:14px 30px;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:background .15s,color .15s}
.btn-primary{background:var(--accent);color:#FFFFFF;border-color:var(--accent);box-shadow:0 10px 22px -12px rgba(31,42,51,.6)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost:hover{background:var(--accent-tint)}
.btn svg{width:18px;height:18px}

/* header: centred lockup, links live in the footer */
.top{position:relative;z-index:3;padding:14px 16px 0;text-align:center}
.brand{display:inline-flex;align-items:center;gap:9px;text-decoration:none}
.brand svg{width:30px;height:30px;flex:0 0 30px}
.wm{font-family:var(--fd);font-weight:700;font-size:23px;letter-spacing:-.015em;color:var(--ink);line-height:1}
.wm b{font-weight:800;color:var(--accent)}
.sep{display:inline-block;margin:0 .12em 0 -.04em}
.top-note{margin-top:3px;font-size:12.5px;letter-spacing:.05em;color:var(--muted)}
.top-curve{width:min(360px,74%);height:12px;margin:5px auto 0}

/* hero: birch photo in a wide arched window, card resting on a gold base strip */
.hero{position:relative;padding:62px 0 48px}
.dome{position:absolute;top:0;left:8px;right:8px;height:262px;margin:0 auto;max-width:1240px;clip-path:ellipse(66% 100% at 50% 100%);overflow:hidden;background:var(--tint2)}
.dome img{width:100%;height:100%;object-fit:cover;object-position:50% 48%}
.dome::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(250,249,245,.28),rgba(250,249,245,0) 55%)}
.bed{position:absolute;left:0;right:0;bottom:0;width:100%;height:22px;z-index:1}
.hero-in{position:relative;z-index:1;text-align:center}
.pill{display:inline-flex;align-items:center;gap:8px;max-width:100%;padding:7px 15px 6px;border-radius:999px;background:var(--accent-tint);border:1px solid var(--tint2);font-family:var(--fd);font-weight:700;font-size:13px;letter-spacing:.02em;color:var(--ink);box-shadow:0 6px 16px -10px rgba(31,42,51,.5)}
.pill i{width:7px;height:7px;border-radius:50%;background:var(--gold);flex:0 0 7px}
.form-card{position:relative;width:100%;max-width:var(--card-max);margin:20px auto 0;background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:0 18px 40px rgba(31,42,51,.12);padding:22px 24px 16px;text-align:left}
.form-card::after{content:"";position:absolute;left:12px;right:12px;bottom:-11px;height:11px;background:var(--tint2);border-radius:0 0 14px 14px;z-index:-1}
.form-card__head{text-align:center;margin-bottom:12px}
.form-card__head h2{font-size:23px;font-weight:800}
.form-card__head p{margin-top:4px;font-size:14.5px;color:var(--muted)}
.form-card__trust{margin-top:12px;text-align:center;font-size:13px;line-height:1.45;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:34px auto 0;max-width:1000px;display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;text-align:left}
.ticks li{display:flex;align-items:center;gap:9px;font-size:14.5px;font-weight:600;line-height:1.3;color:var(--ink)}
.ticks svg{width:22px;height:18px;flex:0 0 22px}
.hero h1{max-width:860px;margin:30px auto 0;font-size:30px;font-weight:800;line-height:1.13}
.hero h1 span{color:var(--accent)}
.hero .sub{max-width:640px;margin:12px auto 0;font-size:17px;color:var(--text)}

/* leaf-line divider */
.xbed{width:84px;height:18px;margin:0 auto}
.sec-head{text-align:center;max-width:680px;margin:0 auto}
.sec-head h2{margin-top:8px;font-size:28px;font-weight:800}
.sec-head p{margin-top:10px;color:var(--text)}

/* moments: staggered chips */
.familiar{background:var(--accent-tint);padding:58px 0 62px;margin-top:8px}
.layers{list-style:none;padding:0;margin:28px auto 0;max-width:640px}
.layers li{display:flex;align-items:center;gap:10px;width:fit-content;max-width:100%;margin-top:10px;padding:11px 18px 10px 14px;background:var(--card);border:1px solid var(--tint2);border-radius:999px;font-size:16px;line-height:1.35;color:var(--ink);box-shadow:0 8px 18px -14px rgba(31,42,51,.55)}
.layers li svg{width:24px;height:14px;flex:0 0 24px}
.layers li:nth-child(2){margin-left:22px}.layers li:nth-child(3){margin-left:8px}.layers li:nth-child(4){margin-left:34px}
.layers li:nth-child(5){margin-left:14px}.layers li:nth-child(6){margin-left:26px}
.familiar-close{max-width:640px;margin:28px auto 0;text-align:center}
.familiar-close p{font-size:17px;color:var(--text)}
.familiar-close p b{color:var(--ink)}
.familiar-close .btn{margin-top:18px}

/* how it works: three rings of one trunk */
.core{background:var(--tint3);padding:62px 0 66px}
.core-col{list-style:none;padding:0;margin:30px auto 0;max-width:560px;background:var(--card);border:1px solid #D9DDD5;border-radius:20px;overflow:hidden}
.core-col li{padding:24px 22px 24px}
.core-col li+li{padding-top:34px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 14' preserveAspectRatio='none'%3E%3Cpath d='M0 10C60 3 140 3 190 7S260 11 300 3' fill='none' stroke='%23F2E2B4' stroke-width='2' vector-effect='non-scaling-stroke'/%3E%3C/svg%3E") top center/100% 14px no-repeat}
.core-col .n{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--tint2);font-family:var(--fd);font-weight:800;font-size:18px;color:var(--accent-deep)}
.core-col h3{margin-top:12px;font-size:19px;font-weight:800}
.core-col p{margin-top:6px;font-size:16px;color:var(--muted)}

/* before you borrow: arched photo beside notes */
.ground{padding:66px 0}
.ground-grid{display:grid;gap:30px;align-items:center}
.arch{position:relative;max-width:440px;width:100%;margin:0 auto}
.arch img{width:100%;height:auto;aspect-ratio:16/11;object-fit:cover;border-radius:50% 50% 14px 14px/62% 62% 14px 14px}
.arch svg{width:100%;height:16px;margin-top:6px}
.ground h2{margin-top:8px;font-size:28px;font-weight:800}
.ground-list{list-style:none;padding:0;margin-top:18px}
.ground-list li{position:relative;padding:12px 0 12px 36px;border-top:1px solid var(--line);font-size:16.5px;color:var(--text)}
.ground-list li:first-child{border-top:0}
.ground-list li::before{content:"";position:absolute;left:0;top:16px;width:24px;height:14px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 14'%3E%3Cpath d='M2 12C8 11 13 8 15 2' fill='none' stroke='%233D6B8C' stroke-width='2' stroke-linecap='round'/%3E%3Cpath d='M9 12C15 11 20 8 22 2' fill='none' stroke='%23E2B13C' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat}
.ground-list b{color:var(--ink)}

/* faq: one panel with wavy seams */
.faq{padding:6px 0 70px}
.faq-panel{max-width:820px;margin:28px auto 0;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:4px 0}
.faq-panel details+details{background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 8' preserveAspectRatio='none'%3E%3Cpath d='M0 6C80 1 170 1 220 4S280 7 300 2' fill='none' stroke='%23E1E3DC' stroke-width='1.5' vector-effect='non-scaling-stroke'/%3E%3C/svg%3E") top center/calc(100% - 32px) 8px no-repeat}
.faq-panel summary{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;cursor:pointer;list-style:none}
.faq-panel summary::-webkit-details-marker{display:none}
.faq-panel summary h3{font-size:17px;font-weight:700;line-height:1.35}
.tg{position:relative;flex:0 0 28px;width:28px;height:28px;border:1.5px solid var(--accent);border-radius:8px;transition:background .15s}
.tg::before,.tg::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;background:var(--accent);border-radius:2px}
.tg::after{transform:rotate(90deg)}
details[open] .tg{background:var(--accent)}
details[open] .tg::before{background:#FFFFFF}
details[open] .tg::after{display:none}
.ans{margin:0 14px 16px;padding:14px 16px;border-radius:12px;background:var(--accent-tint);font-size:16px;color:var(--text)}
/* closing band with birch-grove art */
.close{background:linear-gradient(180deg,var(--accent-tint),var(--bg));padding:60px 0 68px}
.close-grid{display:grid;gap:28px;align-items:center;text-align:center}
.art{width:100%;max-width:560px;height:auto;margin:0 auto}
.close h2{margin-top:8px;font-size:30px;font-weight:800}
.close p{margin:10px auto 0;max-width:520px;color:var(--text)}
.close .btn{margin-top:20px}

/* footer: charcoal blue */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:0 0 34px}
.foot-curve{width:100%;height:18px;margin:0 0 30px}
.foot-top{display:grid;gap:16px;padding-bottom:22px;border-bottom:1px solid rgba(230,236,240,.16);margin-bottom:20px}
.foot .brand svg{width:28px;height:28px}
.foot .wm{color:var(--foot-text)}
.foot .wm b{color:var(--foot-link)}
.foot-line{max-width:560px;font-size:15px;line-height:1.6;color:var(--foot-text)}
.foot-mail{color:var(--foot-link);font-weight:600;text-decoration:underline;text-underline-offset:3px;width:fit-content}
.foot .legal-links{margin-bottom:20px}
.foot .legal-links a{color:var(--foot-link);font-size:14.5px;text-decoration:none;padding:4px 0;border-bottom:1px solid transparent}
.foot .legal-links a:hover{border-bottom-color:var(--foot-link)}
.foot .disc p{color:var(--foot-muted);margin-top:10px}
.foot .disc b,.foot .disc strong{color:var(--foot-text)}
.foot .disc a{color:var(--foot-link)}

/* subpages (how-it-works, contact, privacy, terms, unsubscribe, do-not-sell, 404) */
.sub .top{padding-bottom:6px;border-bottom:1px solid var(--line);background:var(--bg)}
.prose{max-width:720px;padding:48px 16px 84px}
.prose h1{font-size:clamp(30px,4.6vw,42px);font-weight:800;letter-spacing:-.015em}
.prose .updated,.prose p.updated{margin-top:10px;font-family:var(--fd);font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:23px;font-weight:800;margin-top:40px;padding-top:22px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 84 10'%3E%3Cpath d='M2 8C20 6 34 4 42 2' fill='none' stroke='%233D6B8C' stroke-width='2' stroke-linecap='round'/%3E%3Cpath d='M22 8C40 6 54 4 62 2' fill='none' stroke='%23E2B13C' stroke-width='2' stroke-linecap='round'/%3E%3Cpath d='M42 8C60 6 74 4 82 2' fill='none' stroke='%23F2E2B4' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") left top/84px 10px no-repeat}
.prose h3{font-size:19px;margin-top:26px}
.prose p{margin-top:14px;line-height:1.72}
.prose ul,.prose ol{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.65;padding-left:4px}
.prose li::marker{color:var(--accent)}
.prose strong{color:var(--ink);font-weight:700}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose a.btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose a.btn.btn-primary{color:#FFFFFF}
.prose a.btn.btn-ghost{color:var(--accent-deep)}

@media (max-width:600px){
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;border-radius:14px;padding:18px 12px 14px}
  .form-card::after{left:14px;right:14px}
  .pill{font-size:12px;padding:7px 12px 6px}
  .layers li{font-size:15.5px}
}
@media (min-width:600px){
  .hero h1{font-size:36px}
  .layers li:nth-child(2){margin-left:60px}.layers li:nth-child(3){margin-left:22px}.layers li:nth-child(4){margin-left:96px}
  .layers li:nth-child(5){margin-left:40px}.layers li:nth-child(6){margin-left:120px}
}
@media (min-width:860px){
  .top{padding-top:18px}
  .hero{padding-top:84px}
  .dome{height:396px;clip-path:ellipse(60% 100% at 50% 100%)}
  .dome img{object-position:50% 44%}
  .ticks{grid-template-columns:repeat(4,auto);justify-content:center;gap:12px 30px}
  .hero h1{font-size:44px}
  .sec-head h2,.ground h2{font-size:36px}
  .close h2{font-size:38px}
  .core-col{max-width:none;display:grid;grid-template-columns:repeat(3,1fr)}
  .core-col li{padding:30px 28px 32px}
  .core-col li+li{padding:30px 28px 32px 40px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 300' preserveAspectRatio='none'%3E%3Cpath d='M9 0C3 60 3 140 7 190S12 260 4 300' fill='none' stroke='%23F2E2B4' stroke-width='2' vector-effect='non-scaling-stroke'/%3E%3C/svg%3E") left center/14px 100% no-repeat}
  .ground-grid{grid-template-columns:5fr 6fr;gap:64px}
  .arch{max-width:none}
  .close-grid{grid-template-columns:1.15fr 1fr;text-align:left;gap:56px}
  .close p{margin-left:0}
  .foot-top{grid-template-columns:1fr auto;align-items:end}
}

/* card high in the first screen */
.hero{padding-top:20px!important}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}