# Southeast Toyota Finance

> `southeast-toyota-finance@1.0.0`

Southeast Toyota Finance (SETF), a JM Family Enterprises company, provides financing, leasing, and account management services for Toyota vehicle customers across the southeastern United States. Tagline: "We're driven to help you." SETF maintains a public brand portal (setfbranding.com) that publishes the canonical palette (Toyota Red primary + an 8-step supporting gray scale, each carrying its Pantone equivalent), the licensed type pair (Toyota Type primary, Helvetica Neue secondary), and usage rules for the wordmark. SETF is the most fully verified of the JMFE- family brand specs.


**Tags:** `finance`, `automotive`, `jmfe`, `setf`, `toyota-aligned`, `red`, `light-first`

## Atoms

### Palette

**Southeast Toyota Finance** · `southeast-toyota-finance@1.0.0` · Proprietary — All Rights Reserved

> Full SETF brand palette as defined on the official SETF Brand Portal (setfbranding.com/colors.html): Toyota Red as the primary with an 8-step gray supporting scale from porcelain (#EDF0F5) to graphite (#38393B). 

### Fonts

| Role | Font | License | Classification |
|------|------|---------|----------------|
| `heading` | **Toyota Type** `(toyota-type@1.0.0)` | Proprietary — Toyota Motor Corporation, internal use only | sans-serif |
| `body` | **Toyota Type** `(toyota-type@1.0.0)` | Proprietary — Toyota Motor Corporation, internal use only | sans-serif |
| `secondary` | **Helvetica Neue** `(helvetica-neue@1.0.0)` | Proprietary — Linotype/Monotype; bundled with Apple OS | sans-serif |
| `mono` | **JetBrainsMono Nerd Font** `(jetbrainsmono-nerdfont@1.0.0)` | OFL-1.1 | monospace |

## Swatches

| ID | Name | Value |
|----|------|-------|
| `toyota-red` | Toyota Red | `#EB0A1E` |
| `setf-porcelain` | SETF Porcelain (Supporting 1) | `#EDF0F5` |
| `setf-fog` | SETF Fog (Supporting 2) | `#E1E8EE` |
| `setf-mist` | SETF Mist (Supporting 3) | `#C1C9D6` |
| `setf-pewter` | SETF Pewter (Supporting 4) | `#A6B4BE` |
| `setf-steel` | SETF Steel (Supporting 5) | `#86939E` |
| `setf-slate` | SETF Slate (Supporting 6) | `#626E79` |
| `setf-graphite` | SETF Graphite (Supporting 7) | `#58595B` |
| `setf-onyx` | SETF Onyx (Supporting 8) | `#38393B` |

## Mode role mappings

### Light mode

| Role | Swatch | Hex |
|------|--------|-----|
| `background` | `setf-porcelain` | `#EDF0F5` |
| `surface` | `setf-fog` | `#E1E8EE` |
| `surface-elevated` | `setf-mist` | `#C1C9D6` |
| `text-primary` | `setf-onyx` | `#38393B` |
| `text-secondary` | `setf-slate` | `#626E79` |
| `text-tertiary` | `setf-steel` | `#86939E` |
| `primary` | `toyota-red` | `#EB0A1E` |
| `primary-hover` | `toyota-red` | `#EB0A1E` |
| `accent` | `toyota-red` | `#EB0A1E` |
| `success` | `setf-slate` | `#626E79` |
| `warning` | `toyota-red` | `#EB0A1E` |
| `error` | `toyota-red` | `#EB0A1E` |
| `info` | `setf-slate` | `#626E79` |

### Dark mode

| Role | Swatch | Hex |
|------|--------|-----|
| `background` | `setf-onyx` | `#38393B` |
| `surface` | `setf-graphite` | `#58595B` |
| `surface-elevated` | `setf-slate` | `#626E79` |
| `text-primary` | `setf-porcelain` | `#EDF0F5` |
| `text-secondary` | `setf-fog` | `#E1E8EE` |
| `text-tertiary` | `setf-mist` | `#C1C9D6` |
| `primary` | `toyota-red` | `#EB0A1E` |
| `primary-hover` | `toyota-red` | `#EB0A1E` |
| `accent` | `toyota-red` | `#EB0A1E` |
| `success` | `setf-fog` | `#E1E8EE` |
| `warning` | `toyota-red` | `#EB0A1E` |
| `error` | `toyota-red` | `#EB0A1E` |
| `info` | `setf-mist` | `#C1C9D6` |

## Brand semantic roles

### Colors

| Role | Swatch | Hex |
|------|--------|-----|
| `identity` | `setf-porcelain` | `#EDF0F5` |
| `on-identity` | `setf-onyx` | `#38393B` |
| `primary` | `toyota-red` | `#EB0A1E` |
| `primary-hover` | `toyota-red` | `#EB0A1E` |
| `accent` | `toyota-red` | `#EB0A1E` |
| `mark` | `setf-onyx` | `#38393B` |
| `text-primary-light` | `setf-onyx` | `#38393B` |
| `text-primary-dark` | `setf-porcelain` | `#EDF0F5` |
| `background-light` | `setf-porcelain` | `#EDF0F5` |
| `background-dark` | `setf-onyx` | `#38393B` |
| `surface-light` | `setf-fog` | `#E1E8EE` |
| `surface-dark` | `setf-graphite` | `#58595B` |
| `border-light` | `setf-mist` | `#C1C9D6` |
| `border-dark` | `setf-slate` | `#626E79` |

### Typography

| Role | Font role key |
|------|---------------|
| `display` | `heading` |
| `prose` | `body` |
| `fallback` | `secondary` |
| `code` | `mono` |

## Rules

### 🛑 error (6)

#### `contrastRatio` → `text-primary`

- **against:** `background`
- **minRatio:** `4.5`
- **standard:** `WCAG-AA`

> SETF Onyx (#38393B) on SETF Porcelain (#EDF0F5) measures ~12:1, clearing the AA 4.5:1 minimum decisively. SETF's customer-facing content includes statements, disclosures, and account-management screens that demand legible body text across mobile and desktop; AA is the published compliance target on the SETF brand portal. 

#### `colorChoice` → `roles.colors.primary`

- **allowed:** toyota-red
- **forbidden:** setf-porcelain, setf-fog, setf-mist, setf-pewter, setf-steel, setf-slate, setf-graphite, setf-onyx

> Toyota Red (#EB0A1E / Pantone 186C / CMYK 0/100/90/0) is the single primary on the SETF brand portal. The 8-step gray supporting scale is for surfaces, borders, and text — never as a substitute for the brand action color. 

#### `fontPairing` → `typography.display`

- **requires:** `prose`
- **minSizeRatio:** `1.5`

> The SETF brand portal shows Toyota Type Semibold as the display weight against Toyota Type Book body, with a consistent 1.5×+ size step in deliverables. The size contrast carries the hierarchy when the type voice is otherwise uniform across display and prose. 

#### `forbiddenTreatment` → `logo`

- **treatments:** stretched, rotated, recolored, drop-shadow, on-busy-photo, inverted-without-variant, gradient-fill, outlined-only

> The SETF wordmark and its Toyota Red treatment are governed by the SETF Brand Portal. Use the supplied variants only; auto-inversion, gradient fills, drop shadows, and stretched aspect ratios are explicitly out of compliance per the portal's brand-identity page. 

#### `colorChoice` → `roles.colors.mark`

- **allowed:** setf-onyx, setf-graphite, setf-porcelain, toyota-red
- **forbidden:** setf-fog, setf-mist, setf-pewter, setf-steel, setf-slate

> The SETF wordmark renders in onyx or graphite on light surfaces, reversed to porcelain on dark surfaces, or in Toyota Red for the brand-co-lock. Lighter grays (fog, mist, pewter, steel, slate) are surface and border roles — they lack the contrast to carry the wordmark. 

#### `accessibilityRequirement` → `*`

- **standard:** `WCAG-AA`
- **criterion:** `1.4.3`

> WCAG 2.1 Success Criterion 1.4.3 (Contrast Minimum — Level AA). SETF is a regulated financial-services brand; consumer disclosures and statement copy must meet AA across the 8-step gray scale. The SETF portal's documented foreground/ background pairings all clear AA on Porcelain. 

### ⚠️ warning (1)

#### `enumMembership` → `typography.heading.fontWeight`

- **allowed:** 400, 600

> The SETF brand guide names Toyota Type Book (400) and Semibold (600) as the licensed weights on setfbranding.com /fonts.html. Helvetica Neue Regular (400) and Bold (700) serve as the fallback pair when Toyota Type cannot be embedded. 

## Provenance

- **Source:** <https://www.setfbranding.com/>
- **License:** `Proprietary — All Rights Reserved`
- **Attribution:** Southeast Toyota Finance — a JM Family Enterprises company. The Toyota trademark and red color belong to Toyota Motor Corporation, used by SETF under partnership with Toyota Financial Services. Palette and typography transcribed verbatim from the SETF Brand Portal at setfbranding.com/colors.html, /fonts.html, and /brand-identity.html. Logo and supplementary assets live in the gated Widen Collective portal hosted by JMFE. 
- **Imported:** `2026-05-19`
- **Notes:** 1.0.0 audit upgrade of southeast-toyota-finance@0.1.0 — preserves the SETF portal-derived palette and the licensed Toyota Type + Helvetica Neue pairing, adds identity / on-identity roles for the SETF Porcelain canvas, and expands the rules block from 3 to 7 typed entries grounded in the setfbranding.com guide. The 0.1.0 spec remains historical. 

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*Generated by the brand-atoms converter. Source: `southeast-toyota-finance@1.0.0` from the encyclopedia.*