/* Appetite section */
.ap-hero{background:var(--white);padding:36px 56px 40px;}
.ap-hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 500px;gap:56px;align-items:center;}
.ap-hero .page-hero-eyebrow{margin-bottom:10px;}
.ap-hero .page-hero-title{margin-bottom:14px;}
.ap-hero .page-hero-body{margin-bottom:0;}
.ap-photo{background:#fff;padding:12px;box-shadow:0 2px 14px rgba(28,43,74,0.10);border-bottom:3px solid var(--steel);}
.ap-photo img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;}
.ap-photo.g{border-bottom-color:var(--gold);} .ap-photo.n{border-bottom-color:var(--navy);}

.ap-section{padding:36px 56px;}
.ap-section.gray{background:var(--warm-gray);}
.ap-section.white{background:var(--white);}
.ap-eyebrow{font-size:14px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--steel);margin-bottom:8px;}
.ap-title{font-family:'Libre Baskerville',Georgia,serif;font-size:30px;font-weight:700;color:var(--navy);line-height:1.25;margin-bottom:20px;}

/* Three-tier appetite columns */
.tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;}
.tier{background:var(--white);padding:24px 26px 22px;border-top:3px solid var(--steel);}
.tier.consider{border-top-color:var(--gold);}
.tier.outside{border-top-color:var(--navy);background:#FBFAF8;}
.tier-label{font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--steel);margin-bottom:4px;}
.tier.consider .tier-label{color:var(--gold);}
.tier.outside .tier-label{color:var(--navy);}
.tier-note{font-size:13px;color:var(--text-muted);font-style:italic;margin-bottom:8px;}
.tier ul{list-style:none;}
.tier li{font-size:15.5px;color:var(--text-body);line-height:1.45;padding:9px 0 9px 18px;border-bottom:1px solid var(--border-light);position:relative;}
.tier li:last-child{border-bottom:none;}
.tier li::before{content:'';position:absolute;left:0;top:16px;width:7px;height:7px;background:var(--steel);}
.tier.consider li::before{background:var(--gold);}
.tier.outside li::before{background:transparent;border:1.5px solid var(--navy);width:6px;height:6px;}

/* Underwriting guidelines */
.gl-box{background:var(--white);border-top:3px solid var(--navy);padding:6px 28px;display:grid;grid-template-columns:1fr 1fr;column-gap:40px;}
.gl-row{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:12px 0;border-top:1px solid var(--border-light);align-items:baseline;}
.gl-row:nth-child(-n+2){border-top:none;}
.gl-key{font-size:11.5px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--navy);line-height:1.4;}
.gl-val{font-size:15px;color:var(--text-body);line-height:1.55;}

/* Closing band */
.ap-close{background:var(--navy);padding:32px 56px;}
.ap-close-grid{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;}
.ap-close-text{font-family:'Libre Baskerville',Georgia,serif;font-size:20px;color:#fff;line-height:1.4;}
.ap-close-links{display:flex;gap:10px;flex-wrap:wrap;}
.ap-close .btn-ghost{font-size:12px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;padding:10px 18px;border:1.5px solid rgba(255,255,255,0.45);color:#fff;border-radius:3px;}
.ap-close .btn-ghost:hover{border-color:#fff;}

/* Landing: division cards */
.div-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;}
.div-card{background:var(--white);padding:24px 26px 24px;border-top:3px solid var(--steel);display:flex;flex-direction:column;}
.div-card.sb{border-top-color:var(--gold);} .div-card.cb{border-top-color:var(--navy);}
.div-label{font-size:13px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--steel);margin-bottom:6px;}
.div-card.sb .div-label{color:var(--gold);} .div-card.cb .div-label{color:var(--navy);}
.div-head{font-family:'Libre Baskerville',Georgia,serif;font-size:20px;font-weight:700;color:var(--navy);margin-bottom:10px;}
.div-body{font-size:15.5px;color:var(--text-body);line-height:1.65;margin-bottom:12px;}
.div-card ul{list-style:none;margin-top:auto;}
.div-card li{font-size:14.5px;color:var(--text-body);padding:7px 0 7px 16px;border-top:1px solid var(--border-light);position:relative;}
.div-card li::before{content:'\2014';position:absolute;left:0;color:var(--text-muted);}

/* Landing: segment cards */
.segx-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.segx{display:flex;flex-direction:column;background:var(--warm-gray);border-bottom:3px solid var(--steel);color:inherit;}
.segx.g{border-bottom-color:var(--gold);} .segx.n{border-bottom-color:var(--navy);}
.segx-photo{background:#fff;padding:7%;}
.segx-photo span{display:block;overflow:hidden;}
.segx-photo img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1);}
.segx-text{padding:16px 22px 18px;flex:1;display:flex;flex-direction:column;}
.segx-name{font-family:'Libre Baskerville',Georgia,serif;font-size:20px;font-weight:700;color:var(--navy);margin-bottom:6px;}
.segx-desc{font-size:14.5px;color:var(--text-muted);line-height:1.6;margin-bottom:12px;}
.segx-link{margin-top:auto;font-size:12px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--steel);}
@media(hover:hover) and (pointer:fine){
  .segx{transition:transform .25s ease, box-shadow .25s ease;}
  .segx:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(28,43,74,0.10);}
  .segx:hover .segx-photo img{transform:scale(1.05);}
  .div-card,.tier{transition:transform .25s ease, box-shadow .25s ease;}
  .div-card:hover,.tier:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(28,43,74,0.10);}
}

@media(max-width:1100px){
  .ap-hero-grid{grid-template-columns:1fr 300px;gap:36px;}
  .gl-box{grid-template-columns:1fr;}
  .gl-row:nth-child(2){border-top:1px solid var(--border-light);}
}
@media(max-width:900px){
  .tier-grid,.div-grid,.segx-grid{grid-template-columns:1fr;}
  .segx-grid{gap:16px;}
}
@media(max-width:768px){
  .ap-hero{padding:28px 20px 24px !important;}
  .ap-hero-grid{grid-template-columns:1fr;gap:24px;}
  .ap-section{padding:28px 20px;}
  .ap-title{font-size:24px;}
  .tier,.div-card{padding:20px;}
  .gl-box{padding:4px 20px;}
  .gl-row{grid-template-columns:1fr;gap:2px;}
  .ap-close{padding:28px 20px;}
  .ap-close-text{font-size:18px;}
}

/* Photo strip */
.ap-strip{background:var(--white);padding:36px 56px 8px;}
.strip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.strip-item{margin:0;background:#fff;padding:10px;box-shadow:0 2px 14px rgba(28,43,74,0.10);}
.strip-item span{display:block;overflow:hidden;}
.strip-item img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1);}
@media(hover:hover) and (pointer:fine){.strip-item:hover img{transform:scale(1.05);}}
@media(max-width:1100px){.ap-hero-grid{grid-template-columns:1fr 380px !important;}}
@media(max-width:768px){
  .ap-hero-grid{grid-template-columns:1fr !important;}
  .ap-strip{padding:24px 20px 4px;}
  .strip-grid{grid-template-columns:repeat(3,1fr);gap:8px;}
  .strip-item{padding:4px;}
}