/* GENERATED by _src/build.py from _src/css/*.css — edit the parts, not this file. */

/* ============================================================
   RIVALDI CAJUSTE | Mortgage Loan Officer — shared stylesheet
   Fonts: General Sans 600 (display, fintech semi-bold) + Satoshi (body)
   Palette: brand blue #1E4FA3 + white, hints of gold #E5B72E — light theme
   Component base forked from Kortney Darius (Ike / Jamal lineage).
   ============================================================ */

:root {
  --radius: 18px;
  --font-head: 'General Sans', 'Satoshi', Arial, sans-serif;
  --font-body: 'Satoshi', Arial, sans-serif;

  --bg: #ffffff;
  --bg-soft: #f4f7fc;
  --surface: #ffffff;
  --surface-2: #e8eef9;
  --border: #dbe3f0;

  --ink: #0c1a35;
  --ink-soft: #2a3a57;
  --ink-muted: #55657f;
  --ink-faint: #7a879d;

  --blue-1: #163d82;          /* deep brand blue (gradient end, hover) */
  --blue-2: #1E4FA3;          /* BRAND */
  --blue-3: #9db8e6;          /* light blue for text on dark */
  --navy: #0a1c40;
  --navy-2: #102a5c;

  --gold: #E5B72E;            /* BRAND accent — hints only */
  --gold-ink: #6b4f00;        /* gold-on-white text (AA) */
  --gold-grad: linear-gradient(115deg, #E5B72E 0%, #f0cf63 46%, #E5B72E 72%, #d9a91f 100%);

  /* Reused components still say "silver": in this build they are neutral cool grays,
     and the metallic gradient becomes the gold accent. */
  --silver-1: #f2f5fa;
  --silver-2: #d5ddea;
  --silver-3: #a6b2c6;
  --silver-4: #7b879b;
  --silver-grad: var(--gold-grad);
  --silver-text: linear-gradient(100deg, #E5B72E 0%, #f6dc86 30%, #E5B72E 55%, #fbe7a6 78%, #E5B72E 100%);

  --glow: rgba(30,79,163,0.26);
  --shadow: 0 22px 46px -24px rgba(16,42,92,0.3);
  --shadow-lg: 0 40px 80px -36px rgba(10,28,64,0.45);
  color-scheme: light;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
/* Gradient pills/cards: the gradient starts under the border, never tiles under it (no edge specks). */
*, *::before, *::after { background-origin: border-box !important; }
html { scroll-behavior: smooth; width: 100%; max-width: 100vw; overflow-x: clip; -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body { background: var(--bg); color: var(--ink-soft); font-family: var(--font-body); font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; width: 100%; max-width: 100vw; overflow-x: clip; position: relative; }
h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 600; letter-spacing: -0.022em; line-height: 1.08; color: var(--ink); }
h2, h3, .lede { text-wrap: balance; }
p { text-wrap: pretty; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
/* iPhone-safe button reset (desktop Chrome defaults) — icon buttons pin their own padding */
button { font-family: inherit; font-size: 13.333px; line-height: normal; margin: 0; padding: 1px 6px; -webkit-appearance: none; appearance: none; -webkit-tap-highlight-color: transparent; background: none; border: none; color: inherit; cursor: pointer; }
button svg { flex: none; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 28px; }
@media (max-width: 560px) { .wrap { padding: 0 20px; } }
section { position: relative; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 1000; padding: 10px 16px; border-radius: 10px; background: var(--navy); color: #fff; font-weight: 700; font-size: 14px; transition: top .2s ease; }
.skip-link:focus { top: 12px; }
:focus-visible { outline: 2px solid var(--blue-2); outline-offset: 3px; }

/* Gold text — slow sheen (used sparingly: one phrase per hero) */
.silver-text, .gold-text { background: var(--silver-text); background-size: 220% 100%; -webkit-background-clip: text; background-clip: text; color: transparent; animation: silver-sheen 7s ease-in-out infinite; }
@keyframes silver-sheen { 0%, 100% { background-position: 0% 50%; } 50% { background-position: 100% 50%; } }
.blue-text { color: var(--blue-2); }

/* ===== Reveal ===== */
.js-reveal .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease-out, transform .8s cubic-bezier(.2,.8,.2,1); }
.js-reveal .reveal.is-visible { opacity: 1; transform: none; }
/* Staggered children (JS sets --i). Uses `translate` so a card's hover `transform` never inherits the stagger delay. */
.js-reveal .stagger > * { opacity: 0; translate: 0 26px; scale: .97; transition: opacity .6s ease, translate .75s cubic-bezier(.2,.8,.2,1), scale .75s cubic-bezier(.2,.8,.2,1), transform .45s cubic-bezier(.22,.9,.4,1), box-shadow .45s ease, border-color .35s ease, background-color .35s ease; transition-delay: calc(var(--i, 0) * 90ms), calc(var(--i, 0) * 90ms), calc(var(--i, 0) * 90ms), 0s, 0s, 0s, 0s; }
.js-reveal .stagger.is-visible > *, .js-reveal .is-visible .stagger > * { opacity: 1; translate: none; scale: none; }
.js-reveal.reveal-instant .reveal, .js-reveal.reveal-instant .stagger > *, .js-reveal.reveal-instant .section-head h2::after { transition: none !important; }
@media (prefers-reduced-motion: reduce) {
  .js-reveal .reveal, .js-reveal .stagger > * { opacity: 1; transform: none; translate: none; scale: none; transition: none; }
}

/* ===== Buttons — no numbers in labels, ever (the build checks) ===== */
.btn { position: relative; overflow: hidden; isolation: isolate; display: inline-flex; align-items: center; justify-content: center; gap: 9px; padding: 15px 28px; border-radius: 100px; font-family: var(--font-body); font-weight: 700; font-size: 0.93rem; line-height: 1.2; letter-spacing: 0.01em; transition: transform .25s ease, box-shadow .25s ease, background-size .45s cubic-bezier(.22,.9,.4,1), background-position .6s ease, border-color .25s ease, color .3s ease; cursor: pointer; border: 1px solid transparent; white-space: nowrap; }
.btn:active { transform: scale(0.97); }
.btn svg { width: 17px; height: 17px; }
.btn-primary { background-image: linear-gradient(120deg, #2a5fb9, var(--blue-2) 48%, var(--blue-1)); background-size: 150% 100%; background-position: 0% 50%; border: none; color: #fff; box-shadow: 0 14px 30px -12px var(--glow); }
.btn-primary::after, .btn-silver::after, .btn-gold::after { content: ''; position: absolute; top: 0; left: -120%; width: 55%; height: 100%; z-index: -1; background: linear-gradient(115deg, transparent, rgba(255,255,255,0.5), transparent); transform: skewX(-20deg); pointer-events: none; }
.btn-primary:hover::after, .btn-silver:hover::after, .btn-gold:hover::after { animation: btn-shine .85s ease; }
@keyframes btn-shine { from { left: -120%; } to { left: 130%; } }
.btn-primary:hover { transform: translateY(-2px); background-position: 100% 50%; box-shadow: 0 20px 40px -12px rgba(30,79,163,0.5); }
/* Gold CTA — dark navy ink (contrast > 9:1) */
.btn-silver, .btn-gold { background-image: var(--gold-grad); background-size: 170% 100%; background-position: 0% 50%; border: none; color: #10213f; box-shadow: 0 14px 32px -14px rgba(120,86,0,0.55), inset 0 1px 0 rgba(255,255,255,0.55); transition: transform .25s ease, box-shadow .25s ease, background-position .6s ease; }
.btn-silver:hover, .btn-gold:hover { transform: translateY(-2px); background-position: 100% 50%; box-shadow: 0 22px 42px -14px rgba(120,86,0,0.55), 0 0 0 4px rgba(229,183,46,0.18), inset 0 1px 0 rgba(255,255,255,0.7); }
/* Outline buttons: a solid fill sweeps in from the left. Contexts set only variables, never `color`. */
.btn-outline { --fill: var(--gold); --on-fill: #10213f; border: 1px solid var(--btn-line, var(--border)); color: var(--btn-ink, var(--ink)); background-color: transparent; background-image: linear-gradient(var(--fill), var(--fill)); background-size: 0% 100%; background-repeat: no-repeat; background-position: left center; }
.btn-outline:hover { border-color: var(--fill); color: var(--on-fill); background-size: 100% 100%; transform: translateY(-2px); box-shadow: 0 16px 32px -14px rgba(160,120,10,0.45); }
.btn-on-dark { --fill: #fff; --on-fill: var(--navy); --btn-ink: #fff; --btn-line: rgba(255,255,255,0.55); background-color: rgba(255,255,255,0.08); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.btn-block { width: 100%; }
.btn-lg { padding: 18px 34px; font-size: 0.99rem; }
.btn-sm { padding: 11px 19px; font-size: 0.83rem; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--blue-2); transition: gap .25s ease, color .25s ease; }
.link-arrow:hover { gap: 14px; color: var(--blue-1); }
@media (prefers-reduced-motion: reduce) { .btn::after { display: none; } .silver-text, .gold-text { animation: none; } }
@media (hover: none) { .btn-sm { min-height: 40px; } }
@media (max-width: 360px) { .btn-lg { padding-left: 18px; padding-right: 18px; font-size: 0.92rem; } }

/* ===== Nav =====
   The frosted glass lives on .nav::before, so .nav is never a "backdrop root" and the
   dropdowns + phone sheet inside it keep a working blur (frosted, never see-through). */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 13px 0; transition: padding .35s ease; }
.nav::before { content: ''; position: absolute; inset: 0; z-index: -1; background: rgba(255,255,255,0.88); backdrop-filter: blur(18px) saturate(1.4); -webkit-backdrop-filter: blur(18px) saturate(1.4); border-bottom: 1px solid var(--border); box-shadow: 0 10px 30px -24px rgba(10,28,64,0.4); transition: opacity .35s ease; }
.nav.nav--hero-transparent { padding: 20px 0; }
.nav.nav--hero-transparent::before { opacity: 0; }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.nav-logo { display: inline-flex; align-items: center; gap: 11px; color: var(--ink); transition: color .3s ease; }
.nav-mark { position: relative; flex: none; width: 42px; height: 42px; border-radius: 13px; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; font-size: 14.5px; letter-spacing: 0.02em; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: inset 0 1px 0 rgba(255,255,255,0.3), 0 8px 18px -8px rgba(16,42,92,0.6); transition: transform .45s cubic-bezier(.34,1.56,.64,1); overflow: hidden; }
.nav-mark::after { content: ''; position: absolute; left: 9px; right: 9px; bottom: 8px; height: 2px; border-radius: 2px; background: var(--gold); }
.nav-logo:hover .nav-mark { transform: rotate(-6deg) scale(1.04); }
.nav-word { display: flex; flex-direction: column; line-height: 1; font-family: var(--font-head); font-weight: 600; font-size: 1.02rem; letter-spacing: 0.035em; white-space: nowrap; }
.nav-word small { display: block; margin-top: 5px; font-family: var(--font-body); font-size: 0.58rem; letter-spacing: 0.18em; font-weight: 700; text-transform: uppercase; color: var(--blue-2); transition: color .3s ease; }
.nav-links { display: none; align-items: center; gap: 22px; font-size: 0.9rem; font-weight: 600; color: var(--ink-soft); }
.nav-links > a, .nav-drop-top { position: relative; display: inline-flex; align-items: center; gap: 5px; padding: 6px 0; white-space: nowrap; transition: color .25s ease; }
.nav-links > a::after, .nav-drop-top::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; border-radius: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s cubic-bezier(.22,.9,.4,1); }
.nav-links > a:hover, .nav-drop:hover .nav-drop-top, .nav-links > a[aria-current] { color: var(--blue-2); }
.nav-links > a:hover::after, .nav-links > a[aria-current]::after, .nav-drop:hover .nav-drop-top::after, .nav-drop:focus-within .nav-drop-top::after { transform: scaleX(1); }
.nav-drop { position: relative; }
.nav-drop .chev { transition: transform .3s ease; }
.nav-drop:hover .chev, .nav-drop:focus-within .chev { transform: rotate(180deg); }
.nav-drop-menu { position: absolute; top: calc(100% + 14px); left: 50%; min-width: 272px; padding: 8px; border-radius: 18px; background: rgba(255,255,255,0.86); border: 1px solid rgba(219,227,240,0.9); box-shadow: 0 30px 60px -24px rgba(10,28,64,0.38); backdrop-filter: blur(24px) saturate(1.35); -webkit-backdrop-filter: blur(24px) saturate(1.35); opacity: 0; visibility: hidden; transform: translate(-50%, 8px); transition: opacity .22s ease, transform .22s ease, visibility 0s linear .22s; text-shadow: none; }
.nav-drop-menu::before { content: ''; position: absolute; left: 0; right: 0; top: -16px; height: 16px; }
.nav-drop:hover .nav-drop-menu, .nav-drop:focus-within .nav-drop-menu { opacity: 1; visibility: visible; transform: translate(-50%, 0); transition: opacity .22s ease, transform .22s ease, visibility 0s; }
.nav-drop-menu a { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 12px; transition: background .2s ease; }
.nav-drop-menu a:hover { background: rgba(232,238,249,0.9); }
.nav-drop-menu .ndi { flex: none; width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; color: var(--blue-2); background: var(--surface-2); }
.nav-drop-menu .ndi svg { width: 17px; height: 17px; }
.nav-drop-menu b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.nav-drop-menu span span { display: block; margin-top: 2px; font-size: 12.5px; font-weight: 500; color: var(--ink-muted); }
.nav--hero-transparent .nav-logo { color: #fff; }
.nav--hero-transparent .nav-word small { color: var(--gold); }
.nav--hero-transparent .nav-links { color: rgba(255,255,255,0.92); }
.nav--hero-transparent .nav-links > a:hover, .nav--hero-transparent .nav-drop:hover .nav-drop-top { color: #fff; }
.nav--hero-transparent .nav-logo, .nav--hero-transparent .nav-links > a, .nav--hero-transparent .nav-drop-top { text-shadow: 0 1px 8px rgba(0,0,0,0.35); }
.nav-right { display: flex; align-items: center; gap: 10px; }
.nav-toggle { width: 42px; height: 42px; min-width: 42px; padding: 0; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--border); background: var(--surface); color: var(--ink); }
.nav-toggle svg { width: 20px; height: 20px; }
.nav--hero-transparent .nav-toggle { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.4); color: #fff; }
.nav--hero-transparent .nav-cta.btn-outline { --btn-ink: #fff; --btn-line: rgba(255,255,255,0.55); --fill: #fff; --on-fill: var(--navy); }
/* Full desktop menu from 1024px; compact between 1024 and 1279 (laptops at 125% scaling). */
@media (min-width: 1024px) { .nav-links { display: flex; } .nav-toggle { display: none; } }
@media (min-width: 1024px) and (max-width: 1279px) {
  .nav-links { gap: 15px; font-size: 0.85rem; }
  .nav-word { font-size: 0.92rem; } .nav-word small { font-size: 0.52rem; }
  .nav-mark { width: 38px; height: 38px; font-size: 13px; }
  .nav-right .nav-cta { padding: 10px 15px; font-size: 0.8rem; }
  .nav-right .nav-cta-2 { display: none; }
}
@media (max-width: 640px) { .nav-right > .nav-cta { display: none; } .nav-word { font-size: 0.94rem; } }
@media (max-width: 1023px) { .nav-right > .nav-cta-2 { display: none; } }
.nav-mobile { position: fixed; top: 78px; right: 14px; left: 14px; z-index: 99; max-height: calc(100dvh - 98px); overflow-y: auto; background: rgba(255,255,255,0.86); backdrop-filter: blur(24px) saturate(1.35); -webkit-backdrop-filter: blur(24px) saturate(1.35); border: 1px solid rgba(219,227,240,0.9); border-radius: 22px; box-shadow: var(--shadow-lg); display: flex; flex-direction: column; padding: 8px 18px 16px; transform: translateY(-10px) scale(0.98); opacity: 0; visibility: hidden; transition: transform .25s cubic-bezier(.2,.8,.2,1), opacity .25s ease, visibility 0s linear .25s; text-shadow: none; }
.nav-mobile.is-open { transform: none; opacity: 1; visibility: visible; transition: transform .25s cubic-bezier(.2,.8,.2,1), opacity .25s ease, visibility 0s; }
.nav-mobile-top { display: flex; align-items: center; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--border); }
.nav-mobile-kicker { font-size: 11px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--ink-faint); }
.nav-mobile > a { display: flex; align-items: center; justify-content: space-between; font-family: var(--font-head); font-size: 1.04rem; font-weight: 500; padding: 13px 2px; border-bottom: 1px solid var(--border); color: var(--ink); }
.nav-mobile > a svg { width: 16px; height: 16px; color: var(--ink-faint); }
.nav-mobile-ctas { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.nav-mobile-ctas .btn { padding: 14px 10px; }
@media (max-width: 380px) { .nav-mobile-ctas { grid-template-columns: 1fr; } }
@media (min-width: 1024px) { .nav-mobile { display: none; } }

/* ===== Hero — JD Lendings translucent recipe in brand blue over a softly blurred photo =====
   The blur is baked into the image file (no CSS filter on the moving layer: phones stay smooth). */
.hero { position: relative; min-height: 100vh; min-height: 100svh; display: flex; align-items: center; padding: 132px 0 96px; overflow: hidden; isolation: isolate; background: var(--navy); }
.hero-bg-scene { position: absolute; inset: -5%; z-index: 0; background: url('/assets/img/hero-home-blur.jpg') center 58% / cover no-repeat; animation: hero-ken-burns 32s ease-in-out infinite alternate; will-change: transform; }
@keyframes hero-ken-burns { 0% { transform: scale(1) translate3d(0,0,0); } 100% { transform: scale(1.12) translate3d(-1.5%, -1%, 0); } }
.hero-bg-overlay { position: absolute; inset: 0; z-index: 1; background: linear-gradient(0deg, rgba(8,24,58,0.76) 0%, rgba(8,24,58,0.5) 45%, rgba(8,24,58,0.3) 100%), rgba(10,30,72,0.16); }
/* slow light sweep across the veil — not tied to the cursor */
.hero-light { position: absolute; inset: -30% -10%; z-index: 1; pointer-events: none; background: conic-gradient(from 210deg at 70% 30%, transparent 0deg, rgba(255,255,255,0.09) 18deg, transparent 40deg, transparent 180deg, rgba(229,183,46,0.07) 200deg, transparent 230deg); animation: hero-rays 22s linear infinite; mix-blend-mode: screen; }
@keyframes hero-rays { to { transform: rotate(360deg); } }
.hero-curve { position: absolute; left: 0; right: 0; bottom: -1px; z-index: 2; height: 70px; pointer-events: none; color: var(--bg); }
.hero-curve svg { width: 100%; height: 100%; display: block; }
.hero .wrap { position: relative; z-index: 3; display: grid; grid-template-columns: 1fr; gap: 46px; align-items: center; width: 100%; }
@media (min-width: 980px) { .hero .wrap { grid-template-columns: 1.12fr 0.88fr; } }
.hero-copy h1 { font-size: clamp(2.6rem, 5.3vw, 4.4rem); color: #fff; margin-bottom: 22px; letter-spacing: -0.032em; line-height: 1.02; }
.h1-line { display: block; }
@media (min-width: 980px) { .h1-line { white-space: nowrap; } }
.hero-copy h1, .hero-copy .lede { text-shadow: 0 2px 22px rgba(0,0,0,0.45), 0 1px 3px rgba(0,0,0,0.3); }
.hero-copy h1 .gold-text { text-shadow: none; filter: drop-shadow(0 2px 14px rgba(0,0,0,0.35)); }
.hw { display: inline-block; opacity: 0; transform: translateY(0.65em) rotate(2deg); filter: blur(6px); animation: hw-rise .9s cubic-bezier(.2,.7,.2,1) forwards; animation-delay: calc(0.12s + var(--w, 0) * 65ms); }
.hw.gold-text { animation: hw-rise .9s cubic-bezier(.2,.7,.2,1) forwards, silver-sheen 7s ease-in-out infinite; animation-delay: calc(0.12s + var(--w, 0) * 65ms), 1.4s; }
@keyframes hw-rise { to { opacity: 1; transform: none; filter: blur(0); } }
@keyframes hero-in { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: none; } }
.hero-copy .lede { font-size: 1.12rem; line-height: 1.68; color: rgba(255,255,255,0.9); margin-bottom: 32px; max-width: 545px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .4s both; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 34px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .5s both; }
.hero-trust { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 22px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .6s both; }
.hero-trust li { display: inline-flex; align-items: center; gap: 9px; font-size: 0.9rem; font-weight: 600; color: rgba(255,255,255,0.9); text-shadow: 0 1px 10px rgba(0,0,0,0.4); }
.hero-trust i { flex: none; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; color: #10213f; background-image: var(--gold-grad); box-shadow: 0 6px 14px -6px rgba(0,0,0,0.5); }
.hero-trust i svg { width: 13px; height: 13px; }
.hero-stats { display: flex; align-items: stretch; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .6s both; }
.hero-stat { padding: 2px 26px; border-left: 1px solid rgba(255,255,255,0.26); }
.hero-stat:first-child { padding-left: 0; border-left: none; }
/* Odometer numbers: each digit is a clipped column over a 0-9 x3 strip that script.js slides */
.hs-num { --dh: 1.12em; display: flex; align-items: flex-end; height: var(--dh); font-family: var(--font-head); font-weight: 600; font-size: clamp(1.8rem, 2.5vw, 2.3rem); line-height: var(--dh); letter-spacing: -0.02em; color: #fff; font-variant-numeric: tabular-nums; text-shadow: 0 2px 18px rgba(0,0,0,0.35); }
.hs-roll, .hs-digits { display: inline-flex; }
.hs-col { display: inline-block; height: var(--dh); overflow: hidden; }
.hs-strip { display: block; will-change: transform; }
.hs-strip > i { display: block; height: var(--dh); font-style: normal; text-align: center; }
.hs-num em { font-style: normal; margin: 0 1px; color: var(--gold); text-shadow: none; }
.hs-label { display: block; margin-top: 7px; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.01em; color: rgba(255,255,255,0.78); }
@media (max-width: 979px) { .hero-stats { justify-content: center; } .hero-stat:first-child { padding-left: 26px; } .hs-num { justify-content: center; } .hero-stats { animation-delay: 1.05s; } }
@media (max-width: 560px) { .hero-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); } .hero-stat, .hero-stat:first-child { padding: 0 6px; } .hs-num { font-size: 1.6rem; } .hs-label { font-size: 0.7rem; line-height: 1.35; } }
/* Powered-by Coast2Coast lockup */
.hero-license { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 16px; margin-top: 34px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.18); font-size: 12px; font-weight: 600; letter-spacing: 0.04em; color: rgba(255,255,255,0.76); animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .7s both; }
.powered-by { display: inline-flex; align-items: center; gap: 10px; }
.powered-by .k { font-size: 10px; font-weight: 700; letter-spacing: 0.2em; color: rgba(255,255,255,0.62); }
.powered-by img { height: 24px; width: auto; }
.hero-license .sep { width: 1px; height: 22px; background: rgba(255,255,255,0.25); }

/* Portrait card — glass, spinning dashed ring, shine sweep, rAF tilt (desktop), floating badges */
.hero-visual { position: relative; display: flex; justify-content: center; perspective: 1400px; }
html.js-reveal .hero-visual { opacity: 0; }
html.js-reveal.hero-ready .hero-visual { animation: hero-card-in 1.1s cubic-bezier(.2,.75,.2,1) .1s both; }
@keyframes hero-card-in { from { opacity: 0; transform: translateY(30px) scale(.94) rotateX(8deg); } to { opacity: 1; transform: none; } }
.hero-card-float { position: relative; width: min(100%, 390px); animation: card-float 6.5s ease-in-out infinite; }
@keyframes card-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.hero-card { position: relative; width: 100%; aspect-ratio: 4 / 5; border-radius: 30px; overflow: hidden; isolation: isolate; border: 1px solid rgba(255,255,255,0.4); background: linear-gradient(160deg, rgba(255,255,255,0.24), rgba(255,255,255,0.05)); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); box-shadow: 0 40px 80px -30px rgba(0,0,0,0.65), inset 0 1px 0 rgba(255,255,255,0.38); transform-style: preserve-3d; will-change: transform; }
.hero-card::before { content: ''; position: absolute; inset: 0; z-index: 0; pointer-events: none; background: radial-gradient(ellipse 60% 45% at 82% 6%, rgba(229,183,46,0.26), transparent 70%), radial-gradient(ellipse 75% 55% at 10% 100%, rgba(30,79,163,0.55), transparent 70%); }
.hero-card-shade { position: absolute; inset: auto 0 0 0; height: 46%; z-index: 2; pointer-events: none; background: linear-gradient(0deg, rgba(6,16,38,0.9) 0%, rgba(6,16,38,0.6) 26%, rgba(6,16,38,0.2) 58%, rgba(6,16,38,0) 100%); }
.hero-card::after { content: ''; position: absolute; top: -20%; bottom: -20%; left: 0; width: 36%; z-index: 3; pointer-events: none; background: linear-gradient(100deg, rgba(255,255,255,0) 0%, rgba(255,255,255,0.08) 30%, rgba(255,255,255,0.3) 50%, rgba(255,255,255,0.08) 70%, rgba(255,255,255,0) 100%); transform: translate3d(-170%,0,0) skewX(-18deg); animation: card-shine 7s cubic-bezier(.45,.05,.25,1) 1.6s infinite; }
@keyframes card-shine { 0% { transform: translate3d(-170%,0,0) skewX(-18deg); } 32%, 100% { transform: translate3d(360%,0,0) skewX(-18deg); } }
.hero-card-ring { position: absolute; left: 50%; bottom: -24%; z-index: 0; width: 122%; aspect-ratio: 1; border-radius: 50%; border: 1px dashed rgba(255,255,255,0.45); transform: translateX(-50%); animation: ring-spin 34s linear infinite; pointer-events: none; }
.hero-card-ring::before { content: ''; position: absolute; top: 8%; left: 50%; width: 11px; height: 11px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 5px rgba(229,183,46,0.22), 0 0 22px rgba(229,183,46,0.9); }
@keyframes ring-spin { to { transform: translateX(-50%) rotate(360deg); } }
/* shadow sits on an unmasked wrapper — never on the masked cutout itself */
.hc-shadow { position: absolute; inset: 0; z-index: 1; pointer-events: none; filter: drop-shadow(0 26px 34px rgba(0,0,0,0.42)); }
.hc-photo { position: absolute; left: 50%; bottom: 0; height: 92%; width: auto; max-width: none; transform: translateX(-50%); object-fit: contain; object-position: bottom; -webkit-mask-image: linear-gradient(180deg, #000 84%, transparent 100%); mask-image: linear-gradient(180deg, #000 84%, transparent 100%); }
.hero-card-tag { position: absolute; left: 16px; right: 16px; bottom: 16px; z-index: 4; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 16px; border-radius: 18px; background: rgba(8,18,40,0.52); border: 1px solid rgba(255,255,255,0.2); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); }
.hero-card-tag > div { min-width: 0; }
.hero-card-tag b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 17px; color: #fff; }
.hero-card-tag span { display: block; margin-top: 3px; font-size: 10.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; white-space: nowrap; color: var(--blue-3); }
.hero-card-tag em { flex: none; font-style: normal; font-size: 11px; font-weight: 700; letter-spacing: 0.04em; color: #10213f; padding: 7px 10px; border-radius: 100px; background-image: var(--gold-grad); }
.float-card { position: absolute; z-index: 5; display: flex; align-items: center; gap: 10px; padding: 10px 15px 10px 10px; border-radius: 14px; background: rgba(10,28,64,0.55); color: #fff; font-size: 0.8rem; font-weight: 700; white-space: nowrap; box-shadow: 0 20px 40px -18px rgba(0,0,0,0.55); border: 1px solid rgba(255,255,255,0.3); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); }
.float-card .fc-icon { flex: none; width: 30px; height: 30px; border-radius: 9px; display: grid; place-items: center; background-image: var(--gold-grad); color: #10213f; }
.float-card .fc-icon svg { width: 16px; height: 16px; }
.float-card .fc-icon.fc-blue { background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); color: #fff; }
.float-1 { top: -18px; left: -34px; animation: card-float 7s ease-in-out .6s infinite; }
.float-2 { bottom: 33%; right: -40px; animation: card-float 8s ease-in-out 1.2s infinite; }
/* Desktop: the visual box hugs the card, so badges are offset from the CARD, never the wider column. */
@media (min-width: 980px) { .hero-visual { width: min(100%, 390px); justify-self: center; } }
@media (min-width: 980px) and (max-width: 1120px) { .float-1 { left: -16px; } .float-2 { right: -16px; } }
.hero-scroll-cue { position: absolute; left: 50%; bottom: 40px; transform: translateX(-50%); z-index: 3; display: flex; flex-direction: column; align-items: center; gap: 6px; color: rgba(255,255,255,0.66); font-size: 10.5px; letter-spacing: 0.16em; text-transform: uppercase; font-weight: 700; animation: hero-in 1s ease 1.2s both; }
.hero-scroll-cue i { width: 1px; height: 34px; display: block; background: linear-gradient(180deg, #fff, transparent); animation: cue-drop 1.8s ease-in-out infinite; transform-origin: top; }
@keyframes cue-drop { 0% { transform: scaleY(0); } 50% { transform: scaleY(1); } 100% { transform: scaleY(0); transform-origin: bottom; } }
@media (max-height: 700px) and (min-width: 980px) { .hero-scroll-cue { display: none; } }
@media (max-width: 979px) {
  .hero { padding: 104px 0 84px; }
  .hero .wrap { justify-items: center; gap: 36px; }
  .hero-visual { order: -1; }             /* portrait first on phones and tablets */
  .hero-copy { text-align: center; width: 100%; max-width: 600px; }
  .hero-copy .lede { margin-left: auto; margin-right: auto; }
  .hero-actions, .hero-trust, .hero-license { justify-content: center; }
  .hero-card-float { width: min(300px, 72vw); }
  .hero-card-tag { flex-direction: column; align-items: flex-start; gap: 8px; left: 12px; right: 12px; bottom: 12px; }
  .float-1 { left: -14px; } .float-2 { right: -14px; }
  .hero-scroll-cue { display: none; }
  html.js-reveal:not(.hero-ready) .hero-copy, html.js-reveal:not(.hero-ready) .hero-copy * { animation-play-state: paused !important; }
  .hero-copy .hw { animation-delay: calc(0.5s + var(--w, 0) * 60ms); }
  .hero-copy .lede { animation-delay: .85s; }
  .hero-actions { animation-delay: .95s; }
  .hero-trust { animation-delay: 1.05s; }
  .hero-license { animation-delay: 1.15s; }
}
@media (max-width: 560px) {
  .hero-actions .btn { flex: 1 1 100%; }
  .hero-trust { flex-direction: column; align-items: center; gap: 10px; }
  .hero-card-tag { flex-direction: column; align-items: flex-start; gap: 8px; left: 12px; right: 12px; bottom: 12px; }
  .float-2 { bottom: 38%; }
  .float-card { font-size: 0.7rem; padding: 7px 11px 7px 7px; gap: 7px; } .float-card .fc-icon { width: 24px; height: 24px; } .float-card .fc-icon svg { width: 13px; height: 13px; }
  .float-1 { top: -14px; left: -8px; } .float-2 { right: -8px; }
  .hero-license .sep { display: none; }
  .hero-curve { height: 40px; }
}
@media (prefers-reduced-motion: reduce) { .hero-bg-scene, .hero-card-float, .float-card, .hero-card-ring, .hero-card::after, .hero-light { animation: none !important; } .hw { opacity: 1; transform: none; filter: none; animation: none; } }

/* ===== Section shared ===== */
main > section.tight { padding: 100px 0; }
main > section:not(.tight) { padding: 116px 0; }
@media (max-width: 760px) { main > section.tight { padding: 72px 0; } main > section:not(.tight) { padding: 80px 0; } }
.bg-soft { background: var(--bg-soft); }
.section-head { max-width: 700px; margin-bottom: 54px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(2rem, 3.6vw, 2.75rem); margin: 16px 0 16px; }
.section-head h2::after { content: ''; display: block; width: 52px; height: 3px; border-radius: 3px; margin: 18px 0 0; background: linear-gradient(90deg, var(--blue-2) 0 62%, var(--gold) 62% 100%); transform: scaleX(0); transform-origin: left; transition: transform .8s cubic-bezier(.22,.9,.4,1) .25s; }
.section-head.center h2::after { margin-left: auto; margin-right: auto; transform-origin: center; }
.section-head.is-visible h2::after, html:not(.js-reveal) .section-head h2::after { transform: scaleX(1); }
.section-head p { color: var(--ink-muted); line-height: 1.7; font-size: 1.04rem; }
.section-head.on-dark h2 { color: #fff; }
.section-head.on-dark p { color: rgba(255,255,255,0.8); }
.eyebrow-mini { display: inline-flex; align-items: center; gap: 8px; font-size: 0.72rem; letter-spacing: 0.14em; font-weight: 700; text-transform: uppercase; color: var(--blue-2); padding: 8px 16px; border-radius: 100px; background: var(--surface-2); border: 1px solid var(--border); }
.eyebrow-mini::before { content: ''; flex: none; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 3px rgba(229,183,46,0.22); }
.eyebrow-dark { color: #fff; background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.24); }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #fff; padding: 8px 16px 8px 12px; border-radius: 100px; border: 1px solid rgba(255,255,255,0.3); background: rgba(255,255,255,0.1); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); margin-bottom: 22px; }
.eyebrow::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 10px var(--gold); animation: pulse-dot 2s ease-in-out infinite; }
@keyframes pulse-dot { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: .55; transform: scale(1.3); } }

/* Short laptop screens (tmack's 1280×580): keep headline, buttons and trust row in the first screen */
@media (min-width: 980px) and (max-height: 760px) {
  .hero { padding: 104px 0 70px; }
  .hero-copy h1 { font-size: clamp(2.5rem, 4.3vw, 3.35rem); margin-bottom: 16px; }
  .hero-copy .lede { font-size: 1.02rem; margin-bottom: 22px; }
  .hero-actions { margin-bottom: 22px; }
  .hero-actions .btn-lg { padding: 15px 28px; }
  .hero-license { margin-top: 20px; padding-top: 14px; }
  .hero-card-float, .hero-visual { width: min(100%, 330px); }
  .hero-card-tag { padding: 11px 13px; gap: 8px; }
  .hero-card-tag span { font-size: 9.5px; letter-spacing: .05em; }
  .hero-card-tag em { font-size: 10px; padding: 6px 8px; }
}

/* ===== What Rivaldi does — translucent photo bento (blurred photo + blue veil, sharpens on hover) ===== */
.svc-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; }
.svc-card { grid-column: span 2; position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; justify-content: flex-end; min-height: 380px; padding: 26px 26px 24px; border-radius: 26px; color: #fff; background: var(--navy); box-shadow: 0 30px 60px -36px rgba(10,28,64,0.6); text-align: left; }
.svc-card.wide { grid-column: span 3; min-height: 340px; }
.svc-photo { position: absolute; inset: -12px; z-index: -2; background: var(--photo) center / cover no-repeat; filter: blur(2.5px) saturate(1.05); transform: scale(1.04); transition: filter .7s ease, transform 1.2s cubic-bezier(.22,.9,.3,1); }
.svc-card::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(8,24,58,0.9) 0%, rgba(8,24,58,0.55) 42%, rgba(8,24,58,0.22) 100%), rgba(16,42,92,0.12); transition: background .5s ease; }
.svc-icon { position: absolute; top: 22px; left: 22px; width: 50px; height: 50px; border-radius: 15px; display: grid; place-items: center; color: #fff; background: rgba(255,255,255,0.14); border: 1px solid rgba(255,255,255,0.32); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); transition: background .35s ease, color .35s ease, transform .5s cubic-bezier(.34,1.56,.64,1); }
.svc-icon svg { width: 23px; height: 23px; }
.svc-card h3 { font-size: clamp(1.3rem, 1.9vw, 1.55rem); color: #fff; }
.svc-sub { display: block; margin-top: 6px; font-family: var(--font-head); font-weight: 500; font-style: italic; font-size: 1.02rem; color: var(--gold); }
.svc-more { display: inline-flex; align-items: center; gap: 8px; margin-top: 18px; font-weight: 700; font-size: 14px; color: #fff; padding-bottom: 4px; border-bottom: 1px solid rgba(255,255,255,0.35); align-self: flex-start; transition: gap .3s ease, border-color .3s ease; }
.svc-more svg { width: 15px; height: 15px; }
.svc-line { position: absolute; left: 26px; right: 26px; top: 0; height: 3px; border-radius: 0 0 3px 3px; background: var(--gold-grad); transform: scaleX(0); transform-origin: left; transition: transform .6s cubic-bezier(.22,.9,.4,1); }
@media (hover: hover) {
  .svc-card:hover .svc-photo { filter: blur(0) saturate(1.1); transform: scale(1.1); }
  .svc-card:hover .svc-icon { background: var(--gold); color: #10213f; transform: rotate(-8deg) scale(1.06); }
  .svc-card:hover .svc-more { gap: 14px; border-color: #fff; }
  .svc-card:hover .svc-line { transform: scaleX(1); }
  .svc-card:hover { transform: translateY(-6px); box-shadow: 0 40px 70px -36px rgba(10,28,64,0.7); }
}
.svc-card.svc-tax .svc-icon { background: var(--gold); color: #10213f; border-color: transparent; }
/* shutter wipe on reveal (on top of the stagger) */
.js-reveal .svc-grid.stagger > .svc-card { clip-path: inset(0 0 100% 0 round 26px); transition: opacity .6s ease, translate .75s cubic-bezier(.2,.8,.2,1), scale .75s cubic-bezier(.2,.8,.2,1), clip-path 1s cubic-bezier(.7,0,.2,1), transform .45s cubic-bezier(.22,.9,.4,1), box-shadow .45s ease; transition-delay: calc(var(--i,0) * 110ms), calc(var(--i,0) * 110ms), calc(var(--i,0) * 110ms), calc(var(--i,0) * 110ms), 0s, 0s; }
.js-reveal .svc-grid.stagger.is-visible > .svc-card { clip-path: inset(0 0 0 0 round 26px); }
.js-reveal.reveal-instant .svc-grid.stagger > .svc-card { transition: none !important; }
@media (max-width: 1000px) { .svc-grid { grid-template-columns: repeat(2, 1fr); } .svc-card, .svc-card.wide { grid-column: span 1; min-height: 340px; } .svc-card:last-child { grid-column: span 2; } }
@media (max-width: 600px) { .svc-grid { grid-template-columns: 1fr; gap: 14px; } .svc-card, .svc-card.wide, .svc-card:last-child { grid-column: auto; min-height: 300px; } }
@media (prefers-reduced-motion: reduce) { .js-reveal .svc-grid.stagger > .svc-card { clip-path: none; } }

/* ===== Down payment assistance spotlight — light, split ===== */
.dpa-section { background: var(--bg-soft); overflow: hidden; }
.dpa-section::before { content: ''; position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(rgba(30,79,163,0.06) 1px, transparent 1px), linear-gradient(90deg, rgba(30,79,163,0.06) 1px, transparent 1px); background-size: 44px 44px; -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 40%, #000 10%, transparent 75%); mask-image: radial-gradient(ellipse 70% 60% at 50% 40%, #000 10%, transparent 75%); }
.dpa-grid { position: relative; display: grid; grid-template-columns: 1fr; gap: 50px; align-items: center; }
@media (min-width: 980px) { .dpa-grid { grid-template-columns: 1.02fr 0.98fr; gap: 64px; } }
.dpa-visual { position: relative; padding-bottom: 120px; }
.dpa-photo { aspect-ratio: 4 / 3.2; border-radius: 28px; background: var(--photo) center / cover no-repeat; box-shadow: var(--shadow-lg); }
.gap-card { position: absolute; left: 7%; right: 7%; bottom: 0; padding: 22px 22px 18px; border-radius: 24px; background: rgba(255,255,255,0.9); border: 1px solid rgba(255,255,255,0.9); box-shadow: 0 36px 70px -30px rgba(10,28,64,0.5); backdrop-filter: blur(18px) saturate(1.3); -webkit-backdrop-filter: blur(18px) saturate(1.3); }
.gap-top { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 10px 14px; }
.gap-kicker { font-size: 11.5px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-muted); }
.gap-toggle { position: relative; display: inline-grid; grid-template-columns: 1fr 1fr; padding: 4px; border-radius: 100px; background: var(--surface-2); }
.gap-toggle button { position: relative; z-index: 1; padding: 8px 14px; border-radius: 100px; font-size: 12.5px; font-weight: 700; color: var(--ink-muted); transition: color .3s ease; white-space: nowrap; }
.gap-toggle button.is-on { color: #fff; }
.gap-toggle-ink { position: absolute; top: 4px; bottom: 4px; left: 4px; width: calc(50% - 4px); border-radius: 100px; background-image: linear-gradient(120deg, #2a5fb9, var(--blue-1)); box-shadow: 0 8px 18px -8px var(--glow); transition: transform .45s cubic-bezier(.34,1.3,.64,1); }
.gap-card[data-mode="with"] .gap-toggle-ink { transform: translateX(100%); }
.gap-figure { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-top: 16px; }
.gap-label { font-size: 13.5px; font-weight: 600; color: var(--ink-soft); }
.gap-amount { font-family: var(--font-head); font-weight: 600; font-size: clamp(1.9rem, 3.4vw, 2.4rem); letter-spacing: -0.02em; color: var(--ink); font-variant-numeric: tabular-nums; }
.gap-dollar { font-size: .6em; color: var(--ink-faint); margin-right: 2px; }
.gap-bar { display: flex; height: 12px; margin-top: 12px; border-radius: 12px; overflow: hidden; background: var(--surface-2); }
.gap-bar i { display: block; height: 100%; transition: flex-basis .9s cubic-bezier(.22,.9,.4,1); }
.gap-you { flex-basis: 100%; background-image: linear-gradient(90deg, #2a5fb9, var(--blue-1)); }
.gap-help { flex-basis: 0%; background-image: var(--gold-grad); }
.gap-card[data-mode="with"] .gap-you { flex-basis: 0%; }
.gap-card[data-mode="with"] .gap-help { flex-basis: 100%; }
.gap-legend { display: flex; gap: 18px; margin-top: 10px; font-size: 12px; font-weight: 600; color: var(--ink-muted); }
.gap-legend > span { display: inline-flex; align-items: center; gap: 7px; }
.gap-legend i { width: 10px; height: 10px; border-radius: 3px; }
.lg-you { background: var(--blue-2); } .lg-help { background: var(--gold); }
.gap-note { margin-top: 10px; font-size: 11.5px; line-height: 1.5; color: var(--ink-faint); }
@media (max-width: 560px) { .dpa-visual { padding-bottom: 170px; } .gap-card { left: 0; right: 0; padding: 18px 16px 14px; } }
.dpa-copy h2 { margin-top: 16px; font-size: clamp(2rem, 3.6vw, 2.75rem); }
.dpa-copy p:not(.gap-note) { margin-top: 16px; color: var(--ink-muted); line-height: 1.72; font-size: 1.03rem; }
.dpa-list { list-style: none; display: grid; gap: 14px; margin-top: 28px; }
.dpa-list li { display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: start; padding: 18px 18px; border-radius: 20px; background: var(--surface); border: 1px solid var(--border); transition: border-color .3s ease, box-shadow .35s ease, transform .35s ease; }
@media (hover: hover) { .dpa-list li:hover { border-color: rgba(30,79,163,0.35); box-shadow: 0 22px 44px -30px rgba(16,42,92,0.45); transform: translateX(6px); } }
.dpa-icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: 0 12px 24px -12px var(--glow); }
.dpa-icon svg { width: 21px; height: 21px; }
.dpa-list h3 { font-size: 17px; }
.dpa-copy .dpa-list p { margin-top: 5px; font-size: 14.5px; line-height: 1.6; color: var(--ink-muted); }
.dpa-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
@media (max-width: 979px) { .dpa-copy { text-align: center; } .dpa-list { text-align: left; } .dpa-actions { justify-content: center; } }

/* ===== Process — "Blueprint to Keys": a house drafts itself line by line as you scroll the steps ===== */
.bp-section { background: var(--bg); }
.bp { display: grid; grid-template-columns: 1fr; gap: 40px; }
@media (min-width: 980px) { .bp { grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; } }
.bp-stage { position: sticky; top: 96px; height: min(560px, calc(100svh - 128px)); display: flex; align-items: center; justify-content: center; z-index: 2; }
.bp-paper { position: relative; width: 100%; height: 100%; border-radius: 30px; overflow: hidden; isolation: isolate; background: linear-gradient(160deg, #1E4FA3 0%, #183f86 60%, #12316a 100%); box-shadow: 0 40px 80px -40px rgba(10,28,64,0.65), inset 0 1px 0 rgba(255,255,255,0.18); }
.bp-paper::before { content: ''; position: absolute; inset: 0; z-index: -1; background-image: linear-gradient(rgba(255,255,255,0.08) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.08) 1px, transparent 1px), linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px); background-size: 60px 60px, 60px 60px, 12px 12px, 12px 12px; }
.bp-paper::after { content: ''; position: absolute; inset: 14px; z-index: -1; border-radius: 20px; border: 1px solid rgba(255,255,255,0.18); pointer-events: none; }
.bp-svg { position: absolute; inset: 9% 8% 15%; width: 84%; height: 76%; overflow: visible; }
.bp-svg .ln { fill: none; stroke: #fff; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 1.1s cubic-bezier(.6,.05,.25,1); }
.bp-svg .ln.thin { stroke-width: 1.3; stroke: rgba(255,255,255,0.55); stroke-dasharray: 1; }
.bp-svg .dim { fill: none; stroke: rgba(229,183,46,0.85); stroke-width: 1.2; stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 1s ease .3s; }
.bp-svg .dimtxt { fill: var(--gold); font: 600 11px var(--font-body); letter-spacing: .08em; opacity: 0; transition: opacity .6s ease .6s; }
.bp-svg .fill { opacity: 0; transition: opacity .8s ease .6s; }
.bp-svg .key { opacity: 0; transform: translate(0, 14px) rotate(-30deg); transform-box: fill-box; transform-origin: 30% 50%; transition: opacity .6s ease .5s, transform 1s cubic-bezier(.34,1.56,.64,1) .5s; }
.bp-svg .glow { opacity: 0; transition: opacity 1.2s ease .4s; }
/* layer n draws once the stage reaches step n */
.bp-stage[data-step="1"] .l1 .ln, .bp-stage[data-step="2"] :is(.l1,.l2) .ln, .bp-stage[data-step="3"] :is(.l1,.l2,.l3) .ln, .bp-stage[data-step="4"] :is(.l1,.l2,.l3,.l4) .ln, .bp-stage[data-step="5"] .ln { stroke-dashoffset: 0; }
.bp-stage[data-step="1"] .l1 .dim, .bp-stage[data-step="2"] :is(.l1,.l2) .dim, .bp-stage[data-step="3"] :is(.l1,.l2,.l3) .dim, .bp-stage[data-step="4"] :is(.l1,.l2,.l3,.l4) .dim, .bp-stage[data-step="5"] .dim { stroke-dashoffset: 0; }
.bp-stage[data-step="1"] .l1 .dimtxt, .bp-stage[data-step="2"] :is(.l1,.l2) .dimtxt, .bp-stage[data-step="3"] :is(.l1,.l2,.l3) .dimtxt, .bp-stage[data-step="4"] :is(.l1,.l2,.l3,.l4) .dimtxt, .bp-stage[data-step="5"] .dimtxt { opacity: 1; }
.bp-stage[data-step="4"] .l4 .fill, .bp-stage[data-step="5"] .fill { opacity: 1; }
.bp-stage[data-step="5"] .key { opacity: 1; transform: none; }
.bp-stage[data-step="5"] .glow { opacity: 1; }
.bp-caption { position: absolute; left: 22px; right: 22px; bottom: 20px; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 16px; border-radius: 16px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); color: #fff; backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.bp-caption b { font-family: var(--font-head); font-weight: 600; font-size: 15.5px; }
.bp-caption span { font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); white-space: nowrap; }
.bp-meter { position: absolute; left: 22px; right: 22px; top: 22px; height: 4px; border-radius: 4px; background: rgba(255,255,255,0.16); overflow: hidden; }
.bp-meter i { display: block; height: 100%; width: var(--bp, 0%); border-radius: inherit; background: var(--gold-grad); box-shadow: 0 0 12px rgba(229,183,46,0.7); transition: width .6s cubic-bezier(.22,.9,.4,1); }
.bp-steps { list-style: none; position: relative; display: grid; gap: 0; }
.bp-step { position: relative; display: grid; grid-template-columns: 56px 1fr; gap: 20px; min-height: 52vh; align-content: center; padding: 24px 0; opacity: .38; transition: opacity .5s ease; }
.bp-step:first-child { min-height: 44vh; }
.bp-step.is-on { opacity: 1; }
.bp-step::before { content: ''; position: absolute; left: 27px; top: 0; bottom: 0; width: 2px; background: var(--border); }
.bp-step::after { content: ''; position: absolute; left: 27px; top: 0; width: 2px; height: var(--fill, 0%); background: linear-gradient(180deg, var(--blue-2), var(--gold)); transition: height .5s ease; }
.bp-step.is-done::after { --fill: 100%; }
.bp-node { position: relative; z-index: 1; width: 56px; height: 56px; border-radius: 18px; display: grid; place-items: center; color: var(--blue-2); background: var(--surface); border: 1px solid var(--border); box-shadow: 0 14px 30px -18px rgba(16,42,92,0.45); transition: background .4s ease, color .4s ease, transform .5s cubic-bezier(.34,1.56,.64,1), border-color .4s ease; }
.bp-node svg { width: 24px; height: 24px; }
.bp-step.is-on .bp-node { background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); color: #fff; border-color: transparent; transform: scale(1.06) rotate(-4deg); }
.bp-step:last-child.is-on .bp-node { background-image: var(--gold-grad); color: #10213f; }
.bp-tag { display: inline-flex; align-items: center; gap: 7px; font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-ink); }
.bp-tag::before { content: ''; width: 18px; height: 2px; background: var(--gold); }
.bp-step h3 { margin-top: 10px; font-size: clamp(1.4rem, 2.3vw, 1.8rem); }
.bp-step p { margin-top: 10px; font-size: 15.5px; line-height: 1.7; color: var(--ink-muted); max-width: 460px; }
.bp-chip { display: inline-flex; align-items: center; gap: 8px; margin-top: 16px; padding: 8px 14px; border-radius: 100px; font-size: 13px; font-weight: 700; color: var(--blue-2); background: var(--surface-2); }
.bp-chip svg { width: 14px; height: 14px; }
.bp-foot { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 30px; }
@media (max-width: 979px) {
  .bp-stage { top: 80px; height: 230px; }
  .bp-svg { inset: 12% 22% 26%; width: 56%; height: 62%; }
  .bp-caption { left: 12px; right: 12px; bottom: 12px; padding: 9px 12px; }
  .bp-caption b { font-size: 14px; }
  .bp-meter { left: 14px; right: 14px; top: 14px; }
  .bp-step, .bp-step:first-child { min-height: 0; padding: 30px 0; opacity: 1; }
  .bp-step { grid-template-columns: 48px 1fr; gap: 16px; }
  .bp-node { width: 48px; height: 48px; border-radius: 15px; }
  .bp-step::before, .bp-step::after { left: 23px; }
}
@media (max-width: 400px) { .bp-caption span { display: none; } }
@media (prefers-reduced-motion: reduce) { .bp-svg .ln, .bp-svg .dim { transition: none; } .bp-step { opacity: 1; } }

/* ===== Loan programs teaser — six cards, gold rule draws on hover ===== */
.prog-teaser { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 960px) { .prog-teaser { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .prog-teaser { grid-template-columns: 1fr; gap: 12px; } }
.pt-card { position: relative; display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: start; padding: 24px 22px; border-radius: 22px; background: var(--surface); border: 1px solid var(--border); overflow: hidden; }
.pt-card::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 3px; background: linear-gradient(180deg, var(--blue-2), var(--gold)); transform: scaleY(0); transform-origin: top; transition: transform .5s cubic-bezier(.22,.9,.4,1); }
.pt-icon { width: 48px; height: 48px; border-radius: 15px; display: grid; place-items: center; color: var(--blue-2); background: var(--surface-2); transition: background .35s ease, color .35s ease, transform .5s cubic-bezier(.34,1.56,.64,1); }
.pt-icon svg { width: 22px; height: 22px; }
.pt-card h3 { font-size: 18px; }
.pt-card p { margin-top: 6px; font-size: 14.5px; line-height: 1.55; color: var(--ink-muted); }
.pt-go { position: absolute; right: 18px; top: 22px; color: var(--ink-faint); transition: transform .3s ease, color .3s ease; }
.pt-go svg { width: 18px; height: 18px; }
@media (hover: hover) {
  .pt-card:hover { transform: translateY(-5px); border-color: rgba(30,79,163,0.3); box-shadow: 0 26px 50px -32px rgba(16,42,92,0.5); }
  .pt-card:hover::before { transform: scaleY(1); }
  .pt-card:hover .pt-icon { background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); color: #fff; transform: rotate(-8deg); }
  .pt-card:hover .pt-go { color: var(--blue-2); transform: translate(3px, -3px); }
}
.section-foot { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 38px; }

/* ===== Realtor Success Toolkit — book mockup + lead form (home band + realtors page) ===== */
.tk { position: relative; display: grid; grid-template-columns: 1fr; gap: 40px; align-items: center; padding: 44px; border-radius: 32px; background: linear-gradient(150deg, #ffffff 0%, #f1f5fc 60%, #e8eef9 100%); border: 1px solid var(--border); box-shadow: 0 40px 80px -46px rgba(10,28,64,0.45); overflow: hidden; }
.tk::before { content: ''; position: absolute; right: -120px; top: -140px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(229,183,46,0.18), transparent 65%); pointer-events: none; }
@media (min-width: 940px) { .tk { grid-template-columns: 0.85fr 1.15fr; gap: 56px; padding: 56px; } }
@media (max-width: 560px) { .tk { padding: 30px 18px; border-radius: 26px; } }
.tk-book-wrap { display: flex; justify-content: center; perspective: 1400px; padding: 10px 0 18px; }
.tk-book { position: relative; width: min(260px, 64vw); aspect-ratio: 3 / 4; transform-style: preserve-3d; transform: rotateY(-24deg) rotateX(6deg); animation: book-bob 6s ease-in-out infinite; transition: transform .8s cubic-bezier(.22,.9,.3,1); }
@keyframes book-bob { 0%, 100% { translate: 0 0; } 50% { translate: 0 -10px; } }
.tk:hover .tk-book { transform: rotateY(-8deg) rotateX(3deg); }
.tk-cover { position: absolute; inset: 0; border-radius: 6px 16px 16px 6px; overflow: hidden; padding: 26px 22px 20px; display: flex; flex-direction: column; color: #fff; background: linear-gradient(160deg, #2a5fb9 0%, #1E4FA3 45%, #0f2c66 100%); box-shadow: 30px 34px 60px -26px rgba(10,28,64,0.65), inset 4px 0 0 rgba(255,255,255,0.12); transform: translateZ(14px); }
.tk-cover::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.07) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.07) 1px, transparent 1px); background-size: 22px 22px; }
.tk-cover::after { content: ''; position: absolute; top: -30%; bottom: -30%; left: -60%; width: 40%; background: linear-gradient(100deg, transparent, rgba(255,255,255,0.28), transparent); transform: skewX(-18deg); animation: tk-sheen 6s ease-in-out 1s infinite; }
@keyframes tk-sheen { 0% { left: -60%; } 40%, 100% { left: 140%; } }
.tk-cover > * { position: relative; }
.tk-free { align-self: flex-start; padding: 5px 10px; border-radius: 100px; font-size: 10px; font-weight: 700; letter-spacing: .16em; color: #10213f; background: var(--gold); }
.tk-title { margin-top: auto; font-family: var(--font-head); font-weight: 600; font-size: clamp(1.45rem, 3.2vw, 1.9rem); line-height: 1.02; letter-spacing: -0.02em; }
.tk-title em { display: block; font-style: normal; color: var(--gold); }
.tk-rule { width: 40px; height: 3px; margin: 14px 0 10px; border-radius: 3px; background: var(--gold); }
.tk-by { font-size: 10.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,0.8); }
.tk-house { position: absolute; right: 18px; top: 18px; width: 54px; height: 54px; color: rgba(255,255,255,0.5); }
.tk-pages { position: absolute; top: 3%; bottom: 3%; right: -10px; width: 16px; border-radius: 0 6px 6px 0; background: repeating-linear-gradient(90deg, #fff 0 2px, #e3e8f1 2px 3px); transform: translateZ(4px); box-shadow: 4px 6px 12px -6px rgba(0,0,0,0.3); }
.tk-copy h2 { margin-top: 16px; font-size: clamp(1.9rem, 3.4vw, 2.5rem); }
.tk-copy > p { margin-top: 14px; color: var(--ink-muted); line-height: 1.7; }
.tk-points { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 18px; margin-top: 18px; }
.tk-points li { display: flex; gap: 9px; align-items: center; font-size: 14.5px; font-weight: 600; color: var(--ink-soft); }
.tk-points svg { flex: none; width: 20px; height: 20px; padding: 4px; border-radius: 50%; color: #10213f; background: var(--gold); }
@media (max-width: 520px) { .tk-points { grid-template-columns: 1fr; } }
.tk-form { margin-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.tk-form .field { margin: 0; }
.tk-form .field-wide, .tk-form .btn, .tk-form .tk-legal, .tk-form .tk-error { grid-column: 1 / -1; }
.tk-form .field input { background: #fff; }
.tk-form .btn { margin-top: 4px; }
.tk-form .btn .spin { display: none; width: 16px; height: 16px; border-radius: 50%; border: 2px solid rgba(255,255,255,0.4); border-top-color: #fff; animation: spin .8s linear infinite; }
.tk-form.is-sending .btn .spin { display: inline-block; }
.tk-form.is-sending .btn { pointer-events: none; opacity: .85; }
.tk-legal { font-size: 12px; line-height: 1.55; color: var(--ink-faint); }
.tk-legal a { color: var(--blue-2); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }
.tk-error { font-size: 13px; font-weight: 600; color: #b42318; }
.tk-error:empty { display: none; }
@media (max-width: 520px) { .tk-form { grid-template-columns: 1fr; } }
.tk-done { display: none; margin-top: 24px; padding: 24px; border-radius: 22px; background: #fff; border: 1px solid var(--border); box-shadow: 0 24px 50px -34px rgba(16,42,92,0.5); text-align: center; animation: pane-in .5s cubic-bezier(.2,.8,.2,1) both; }
.tk.is-done .tk-form { display: none; }
.tk.is-done .tk-done { display: block; }
.tk-done-icon { width: 58px; height: 58px; margin: 0 auto 12px; border-radius: 50%; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: 0 0 0 8px var(--surface-2); animation: success-pop .6s cubic-bezier(.34,1.56,.64,1) both; }
.tk-done-icon svg { width: 26px; height: 26px; }
.tk-done h3 { font-size: 1.4rem; }
.tk-done p { margin-top: 8px; color: var(--ink-muted); font-size: 14.5px; line-height: 1.6; }
.tk-done-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 18px; }
@media (max-width: 479px) { .tk-done-actions .btn { flex: 1 1 100%; } }
@keyframes success-pop { from { transform: scale(0.4); opacity: 0; } to { transform: scale(1); opacity: 1; } }
@keyframes pane-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@keyframes spin { to { transform: rotate(360deg); } }
@media (max-width: 939px) { .tk-copy { text-align: center; } .tk-points { justify-items: start; text-align: left; max-width: 420px; margin-left: auto; margin-right: auto; } .tk-form { text-align: left; } }
@media (prefers-reduced-motion: reduce) { .tk-book, .tk-cover::after { animation: none; } }

/* ===== About — photo with its background, clip reveal, credential chips ===== */
.about-grid { display: grid; grid-template-columns: 1fr; gap: 50px; align-items: center; }
@media (min-width: 980px) { .about-grid { grid-template-columns: 0.9fr 1.1fr; gap: 70px; } }
.about-photo-wrap { position: relative; max-width: 460px; width: 100%; margin: 0 auto; }
.about-photo { position: relative; border-radius: 30px; overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.js-reveal .about-photo { clip-path: inset(100% 0 0 0 round 30px); transition: clip-path 1.2s cubic-bezier(.7,0,.2,1); }
.js-reveal .about-section.is-visible .about-photo, .js-reveal.reveal-instant .about-photo { clip-path: inset(0 0 0 0 round 30px); }
.js-reveal.reveal-instant .about-photo { transition: none; }
.about-frame { position: absolute; inset: 22px -22px -22px 22px; z-index: -1; border-radius: 30px; border: 2px solid var(--gold); opacity: .7; }
.about-seal { position: absolute; left: -22px; bottom: 34px; display: flex; align-items: center; gap: 12px; padding: 12px 16px 12px 12px; border-radius: 18px; background: rgba(255,255,255,0.92); border: 1px solid var(--border); box-shadow: 0 24px 50px -24px rgba(10,28,64,0.5); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); animation: card-float 7s ease-in-out infinite; }
.about-seal i { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; color: #10213f; background-image: var(--gold-grad); }
.about-seal i svg { width: 20px; height: 20px; }
.about-seal b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.about-seal span { display: block; font-size: 12px; color: var(--ink-muted); }
@media (max-width: 560px) { .about-seal { left: 10px; bottom: 14px; } .about-frame { inset: 14px -10px -14px 14px; } }
.about-copy h2 { margin-top: 16px; font-size: clamp(2rem, 3.6vw, 2.75rem); }
.about-copy .about-lead { margin-top: 18px; font-family: var(--font-head); font-weight: 500; font-size: 1.22rem; line-height: 1.5; color: var(--ink); }
.about-copy p { margin-top: 14px; color: var(--ink-muted); line-height: 1.75; }
.cred-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-top: 26px; }
.cred { display: flex; gap: 12px; align-items: center; padding: 14px 16px; border-radius: 16px; background: var(--bg-soft); border: 1px solid var(--border); }
.cred i { flex: none; width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; color: var(--blue-2); background: #fff; border: 1px solid var(--border); }
.cred i svg { width: 18px; height: 18px; }
.cred b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.cred span { display: block; font-size: 12.5px; color: var(--ink-muted); }
@media (max-width: 480px) { .cred-row { grid-template-columns: 1fr; } }
.about-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; margin-top: 28px; }
.social-icons { display: flex; gap: 10px; }
.social-icon { width: 44px; height: 44px; min-width: 44px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: var(--blue-2); background: var(--surface); border: 1px solid var(--border); transition: transform .35s cubic-bezier(.34,1.56,.64,1), background .25s ease, color .25s ease, border-color .25s ease; }
.social-icon svg { width: 18px; height: 18px; }
@media (hover: hover) { .social-icon:hover { transform: translateY(-3px) rotate(-6deg); background: var(--blue-2); border-color: var(--blue-2); color: #fff; } }
@media (max-width: 979px) { .about-copy { text-align: center; } .cred-row { text-align: left; } .about-actions { justify-content: center; } }

/* ===== Google reviews ===== */
.gr-head { display: flex; flex-direction: column; align-items: center; gap: 14px; text-align: center; margin-bottom: 40px; }
.gr-badge { display: inline-flex; align-items: center; gap: 12px; padding: 10px 18px 10px 10px; border-radius: 100px; background: #fff; border: 1px solid var(--border); box-shadow: 0 16px 36px -24px rgba(16,42,92,0.45); }
.g-logo { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 1px solid var(--border); }
.g-logo svg { width: 20px; height: 20px; }
.gr-badge b { font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--ink); }
.gr-stars { display: inline-flex; gap: 3px; }
.gr-stars svg { width: 17px; height: 17px; fill: var(--gold); }
.gr-head h2 { font-size: clamp(2rem, 3.6vw, 2.75rem); }
.gr-head p { max-width: 600px; color: var(--ink-muted); line-height: 1.7; }
.gr-invite { position: relative; max-width: 860px; margin: 0 auto; display: grid; grid-template-columns: auto 1fr; gap: 30px; align-items: center; padding: 40px 42px; border-radius: 30px; background: #fff; border: 1px solid var(--border); box-shadow: 0 40px 80px -46px rgba(10,28,64,0.5); overflow: hidden; }
.gr-invite::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 50% 90% at 100% 0%, rgba(229,183,46,0.12), transparent 70%), radial-gradient(ellipse 50% 90% at 0% 100%, rgba(30,79,163,0.08), transparent 70%); }
.gr-big-g { position: relative; width: 96px; height: 96px; border-radius: 28px; display: grid; place-items: center; background: #fff; border: 1px solid var(--border); box-shadow: 0 18px 40px -20px rgba(16,42,92,0.45); }
.gr-big-g svg { width: 48px; height: 48px; }
.gr-invite > div { position: relative; }
.gr-fill { display: inline-flex; gap: 4px; }
.gr-fill svg { width: 24px; height: 24px; fill: none; stroke: var(--gold); stroke-width: 1.6; transition: fill .35s ease; }
.gr-invite.is-visible .gr-fill svg { animation: star-fill .5s ease forwards; animation-delay: calc(.3s + var(--s) * 120ms); }
@keyframes star-fill { 0% { transform: scale(.6); } 60% { transform: scale(1.2); fill: var(--gold); } 100% { transform: none; fill: var(--gold); } }
.gr-invite h3 { margin-top: 12px; font-size: clamp(1.4rem, 2.5vw, 1.75rem); }
.gr-invite p { margin-top: 8px; color: var(--ink-muted); line-height: 1.65; }
.gr-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
@media (max-width: 680px) { .gr-invite { grid-template-columns: 1fr; justify-items: center; text-align: center; padding: 30px 20px; } .gr-actions { justify-content: center; } .gr-actions .btn { flex: 1 1 100%; } }
/* review marquee (used once real reviews are added in build.py REVIEWS) */
.gr-track { display: flex; gap: 18px; width: max-content; animation: gr-scroll 60s linear infinite; }
.gr-track:hover { animation-play-state: paused; }
@keyframes gr-scroll { to { transform: translateX(-50%); } }
.gr-card { width: 340px; flex: none; padding: 24px; border-radius: 22px; background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow); }
.gr-top { display: flex; align-items: center; gap: 12px; }
.gr-av { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; font-weight: 700; color: #fff; background: var(--blue-2); }
.gr-top figcaption { flex: 1; }
.gr-top b { display: block; font-size: 14.5px; color: var(--ink); }
.gr-top span { font-size: 12px; color: var(--ink-faint); }
.gr-g { font-family: Arial, sans-serif; font-weight: 700; color: #4285F4; }
.gr-card .gr-stars { margin-top: 12px; }
.gr-card blockquote { margin-top: 10px; font-size: 14.5px; line-height: 1.65; color: var(--ink-soft); }

/* ===== Tax CTA — translucent photo card ===== */
.tax-card { position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: 1fr; gap: 26px; align-items: center; padding: 56px 52px; border-radius: 32px; color: #fff; background: var(--navy); box-shadow: 0 40px 80px -40px rgba(10,28,64,0.6); }
@media (min-width: 900px) { .tax-card { grid-template-columns: 1.3fr auto; } }
.tax-card::before { content: ''; position: absolute; inset: -14px; z-index: -2; background: url('/assets/img/tax-band.jpg') center / cover no-repeat; filter: blur(2.5px); transform: scale(1.03); transition: transform 1.4s cubic-bezier(.22,.9,.3,1); }
@media (hover: hover) { .tax-card:hover::before { transform: scale(1.08); } }
.tax-card::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(10,30,72,0.9) 0%, rgba(16,42,92,0.72) 55%, rgba(16,42,92,0.45) 100%); }
.tax-card h2 { color: #fff; margin-top: 16px; font-size: clamp(1.9rem, 3.4vw, 2.6rem); }
.tax-card p { margin-top: 14px; max-width: 560px; color: rgba(255,255,255,0.86); line-height: 1.7; }
.tax-chips { list-style: none; display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.tax-chips li { padding: 8px 14px; border-radius: 100px; font-size: 13px; font-weight: 700; color: #fff; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.22); }
.tax-actions { display: flex; flex-direction: column; gap: 12px; }
@media (max-width: 899px) { .tax-card { text-align: center; padding: 44px 22px; } .tax-card p { margin-left: auto; margin-right: auto; } .tax-chips { justify-content: center; } .tax-actions { flex-direction: row; flex-wrap: wrap; justify-content: center; } }
@media (max-width: 480px) { .tax-actions .btn { flex: 1 1 100%; } }

/* ===== Get In Touch card header (homeowner qualification) ===== */
.qcard { padding: 14px 14px 26px; }
.qcard-head { position: relative; z-index: 1; display: flex; align-items: center; gap: 12px; padding: 12px 14px; border-radius: 18px; background: linear-gradient(120deg, #2a5fb9, var(--blue-2) 55%, var(--blue-1)); color: #fff; box-shadow: 0 16px 34px -20px rgba(16,42,92,0.7); }
.qcard-head-ico { flex: none; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; color: #10213f; background: var(--gold); }
.qcard-head-ico svg { width: 20px; height: 20px; }
.qcard-head b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 15.5px; }
.qcard-head div > span { display: block; margin-top: 2px; font-size: 12px; color: rgba(255,255,255,0.78); }
.qcard-steps { margin-left: auto; display: flex; gap: 5px; }
.qcard-steps i { width: 7px; height: 7px; border-radius: 50%; background: rgba(255,255,255,0.3); transition: background .3s ease, transform .3s ease; }
.qcard-steps i.on { background: var(--gold); transform: scale(1.15); }
@media (max-width: 420px) { .qcard-steps { display: none; } }
.qcard .qcard-pane { padding: 26px 18px 0; text-align: center; }
.qcard-note { display: inline-flex; align-items: center; gap: 7px; }
.qcard-note svg { width: 14px; height: 14px; flex: none; }

/* ===== Book a Call — Calendly pop-up ===== */
html.cal-lock, html.cal-lock body { overflow: hidden; }
.cal-pop { position: fixed; inset: 0; z-index: 800; display: flex; align-items: center; justify-content: center; padding: 20px; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .3s ease, visibility 0s linear .3s; }
.cal-pop.is-open { opacity: 1; visibility: visible; pointer-events: auto; transition: opacity .3s ease, visibility 0s; }
.cal-pop-backdrop { position: absolute; inset: 0; background: rgba(8,20,48,0.62); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.cal-pop-box { position: relative; width: min(1000px, 100%); height: min(760px, calc(100dvh - 40px)); display: flex; flex-direction: column; border-radius: 26px; overflow: hidden; background: #fff; box-shadow: 0 40px 100px -30px rgba(0,0,0,0.6); transform: translateY(18px) scale(.97); transition: transform .4s cubic-bezier(.2,.8,.2,1); }
.cal-pop.is-open .cal-pop-box { transform: none; }
.cal-pop-head { display: flex; align-items: center; gap: 12px; padding: 14px 16px; border-bottom: 1px solid var(--border); }
.cal-pop-av { flex: none; width: 42px; height: 42px; border-radius: 50%; overflow: hidden; border: 2px solid var(--gold); }
.cal-pop-av img { width: 100%; height: 100%; object-fit: cover; }
.cal-pop-head b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 16px; color: var(--ink); }
.cal-pop-head div span { display: block; font-size: 12.5px; color: var(--ink-muted); }
.cal-pop-close { margin-left: auto; width: 42px; height: 42px; min-width: 42px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: var(--ink); background: var(--bg-soft); border: 1px solid var(--border); }
.cal-pop-close svg { width: 18px; height: 18px; }
@media (hover: hover) { .cal-pop-close:hover { background: var(--surface-2); } }
.cal-pop-frame { position: relative; flex: 1; background: var(--bg-soft); }
.cal-pop-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
@media (max-width: 560px) { .cal-pop { padding: 0; } .cal-pop-box { height: 100dvh; border-radius: 0; } }

/* ===== Subpage header variants ===== */
.page-header-plain { min-height: 0; padding: 150px 0 80px; background: linear-gradient(150deg, var(--navy) 0%, var(--navy-2) 55%, var(--blue-2) 120%); }
.page-header-plain::before { background: radial-gradient(ellipse 50% 70% at 85% 0%, rgba(229,183,46,0.2), transparent 70%); animation: none; }
.page-header-plain::after { display: none; }
.page-header .gold-text { text-shadow: none; filter: drop-shadow(0 2px 14px rgba(0,0,0,0.35)); }
.fineprint { max-width: 760px; margin: 26px auto 0; text-align: center; font-size: 12.5px; line-height: 1.6; color: var(--ink-faint); }

/* ===== /programs — program explorer ===== */
.px { scroll-margin-top: 100px; display: grid; grid-template-columns: 300px 1fr; gap: 22px; align-items: start; }
.px-tabs { position: sticky; top: 100px; display: grid; gap: 8px; }
.px-tab { display: flex; align-items: center; gap: 13px; width: 100%; padding: 13px 14px; border-radius: 18px; text-align: left; background: var(--surface); border: 1px solid var(--border); color: var(--ink); transition: border-color .25s ease, background-color .25s ease, transform .3s cubic-bezier(.22,.9,.4,1), box-shadow .3s ease; }
.px-ico { flex: none; width: 42px; height: 42px; border-radius: 13px; display: grid; place-items: center; color: var(--blue-2); background: var(--surface-2); transition: background .3s ease, color .3s ease, transform .5s cubic-bezier(.34,1.56,.64,1); }
.px-ico svg { width: 20px; height: 20px; }
.px-tab b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 15.5px; }
.px-tab b + span { display: block; margin-top: 2px; font-size: 12.5px; color: var(--ink-muted); }
@media (hover: hover) { .px-tab:hover { border-color: rgba(30,79,163,0.35); transform: translateX(4px); } }
.px-tab.is-active { border-color: transparent; background-image: linear-gradient(120deg, #2a5fb9, var(--blue-2) 55%, var(--blue-1)); color: #fff; box-shadow: 0 18px 36px -20px rgba(16,42,92,0.7); }
.px-tab.is-active b + span { color: rgba(255,255,255,0.8); }
.px-tab.is-active .px-ico { background: var(--gold); color: #10213f; transform: rotate(-6deg); }
.px-panels { min-width: 0; }
.px-panel { display: grid; grid-template-columns: 0.9fr 1.1fr; border-radius: 28px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 34px 70px -42px rgba(10,28,64,0.5); }
.px-panel[hidden] { display: none; }
.px-panel.is-entering .px-photo { animation: px-wipe .8s cubic-bezier(.7,0,.2,1) both; }
.px-panel.is-entering .px-body > * { animation: hero-in .6s cubic-bezier(.2,.7,.2,1) both; }
.px-panel.is-entering .px-body > :nth-child(2) { animation-delay: .05s; } .px-panel.is-entering .px-body > :nth-child(3) { animation-delay: .1s; } .px-panel.is-entering .px-body > :nth-child(4) { animation-delay: .15s; } .px-panel.is-entering .px-body > :nth-child(n+5) { animation-delay: .2s; }
@keyframes px-wipe { from { clip-path: inset(0 100% 0 0); } to { clip-path: inset(0 0 0 0); } }
.px-photo { position: relative; min-height: 100%; background: var(--photo) center / cover no-repeat; }
.px-photo::after { content: ''; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(8,24,58,0.35), rgba(8,24,58,0) 50%); }
.px-badge { position: absolute; left: 18px; top: 18px; z-index: 1; padding: 8px 13px; border-radius: 100px; font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #10213f; background: var(--gold); box-shadow: 0 10px 24px -10px rgba(0,0,0,0.5); }
.px-body { padding: 34px 34px 30px; }
.px-body h3 { font-size: clamp(1.5rem, 2.4vw, 1.9rem); }
.px-sub { margin-top: 6px; font-family: var(--font-head); font-style: italic; font-weight: 500; font-size: 1.05rem; color: var(--blue-2); }
.px-sub + p { margin-top: 14px; color: var(--ink-muted); line-height: 1.7; font-size: 15px; }
.px-facts { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 20px; }
.px-facts li { padding: 12px 12px; border-radius: 14px; background: var(--bg-soft); border: 1px solid var(--border); }
.px-facts b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--ink); }
.px-facts span { display: block; margin-top: 3px; font-size: 12px; line-height: 1.4; color: var(--ink-muted); }
.px-body h4 { margin-top: 22px; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-ink); font-family: var(--font-body); font-weight: 700; }
.px-checks { list-style: none; display: grid; gap: 8px; margin-top: 10px; }
.px-checks li { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; line-height: 1.5; color: var(--ink-soft); }
.px-checks svg { flex: none; width: 20px; height: 20px; padding: 4px; margin-top: 1px; border-radius: 50%; color: #fff; background: var(--blue-2); }
.px-ctas { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
@media (max-width: 1080px) { .px-panel { grid-template-columns: 1fr; } .px-photo { min-height: 240px; } }
@media (max-width: 860px) {
  .px { grid-template-columns: 1fr; }
  .px-tabs { position: static; display: flex; gap: 8px; overflow-x: auto; scroll-snap-type: x mandatory; padding: 4px 2px 10px; margin: 0 -20px; padding-left: 20px; padding-right: 20px; scrollbar-width: none; }
  .px-tabs::-webkit-scrollbar { display: none; }
  .px-tab { flex: none; width: auto; scroll-snap-align: start; padding: 10px 14px 10px 10px; border-radius: 100px; }
  .px-tab b + span { display: none; }
  .px-ico { width: 34px; height: 34px; border-radius: 50%; }
  .px-ico svg { width: 17px; height: 17px; }
}
@media (max-width: 560px) { .px-body { padding: 24px 20px 22px; } .px-facts { grid-template-columns: 1fr; } .px-ctas .btn { flex: 1 1 100%; } }
@media (prefers-reduced-motion: reduce) { .px-panel.is-entering .px-photo, .px-panel.is-entering .px-body > * { animation: none; } }

/* ===== Comparison table ===== */
.cmp { max-width: 1040px; margin: 0 auto; overflow-x: auto; border-radius: 24px; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); }
.cmp table { width: 100%; min-width: 680px; border-collapse: collapse; font-size: 14.5px; }
.cmp th, .cmp td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--border); }
.cmp thead th { font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: #fff; background: var(--blue-2); font-weight: 700; }
.cmp tbody th { font-family: var(--font-head); font-weight: 600; color: var(--ink); white-space: nowrap; }
.cmp tbody td { color: var(--ink-muted); }
.cmp tbody tr:last-child th, .cmp tbody tr:last-child td { border-bottom: none; }
.cmp tbody tr { transition: background .2s ease; }
.cmp tbody tr:hover { background: var(--bg-soft); }

/* ===== Centered CTA panel (light) ===== */
.cta-panel { position: relative; max-width: 880px; margin: 0 auto; padding: 50px 40px; border-radius: 30px; text-align: center; background: linear-gradient(160deg, #ffffff, #f1f5fc); border: 1px solid var(--border); box-shadow: 0 40px 80px -48px rgba(10,28,64,0.5); overflow: hidden; }
.cta-panel::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 40% 70% at 100% 0%, rgba(229,183,46,0.14), transparent 70%), radial-gradient(ellipse 40% 70% at 0% 100%, rgba(30,79,163,0.1), transparent 70%); }
.cta-panel > * { position: relative; }
.cta-panel-av { display: block; width: 72px; height: 72px; margin: 0 auto 16px; border-radius: 50%; overflow: hidden; border: 3px solid var(--gold); box-shadow: 0 14px 30px -14px rgba(16,42,92,0.6); }
.cta-panel-av img { width: 100%; height: 100%; object-fit: cover; }
.cta-panel h2 { font-size: clamp(1.8rem, 3.2vw, 2.4rem); }
.cta-panel p { max-width: 560px; margin: 12px auto 0; color: var(--ink-muted); line-height: 1.7; }
.cta-panel-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 26px; }
@media (max-width: 560px) { .cta-panel { padding: 38px 20px; } .cta-panel-actions .btn { flex: 1 1 100%; } }

/* ===== Calculator hub tweaks ===== */
.calc-card { min-height: 320px; }
.calc-card-icon { color: #10213f; }
.calc-card-tag { position: absolute; top: 28px; right: 24px; padding: 7px 12px; border-radius: 100px; font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #fff; background: rgba(255,255,255,0.14); border: 1px solid rgba(255,255,255,0.3); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.calc-card .more-link { display: inline-flex; align-items: center; gap: 10px; margin-top: 16px; font-family: var(--font-head); font-weight: 600; font-size: 15px; color: #fff; padding-bottom: 4px; border-bottom: 1px solid rgba(255,255,255,0.4); align-self: flex-start; transition: gap .3s ease, border-color .3s ease; }
.calc-card .more-link svg { width: 16px; height: 16px; }
@media (hover: hover) { .calc-card:hover { transform: translateY(-6px); } }

/* ===== Realtors — five offers ===== */
.offer-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; }
.offer-card { grid-column: span 2; position: relative; overflow: hidden; padding: 30px 26px 28px; border-radius: 24px; text-align: center; background: var(--surface); border: 1px solid var(--border); }
.offer-card:nth-child(4) { grid-column: 2 / span 2; }
.offer-card::after { content: ''; position: absolute; left: 50%; bottom: 0; width: 60%; height: 3px; border-radius: 3px 3px 0 0; background: var(--gold-grad); transform: translateX(-50%) scaleX(0); transition: transform .5s cubic-bezier(.22,.9,.4,1); }
.offer-ico { width: 60px; height: 60px; margin: 0 auto 18px; border-radius: 18px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: 0 14px 28px -12px var(--glow); transition: transform .5s cubic-bezier(.34,1.56,.64,1), background .3s ease, color .3s ease; }
.offer-ico svg { width: 26px; height: 26px; }
.offer-card h3 { font-size: 19px; }
.offer-sub { display: block; margin-top: 8px; font-family: var(--font-head); font-style: italic; font-weight: 500; font-size: 15.5px; color: var(--blue-2); }
@media (hover: hover) {
  .offer-card:hover { transform: translateY(-6px); box-shadow: 0 30px 60px -34px rgba(16,42,92,0.5); border-color: rgba(30,79,163,0.3); }
  .offer-card:hover::after { transform: translateX(-50%) scaleX(1); }
  .offer-card:hover .offer-ico { transform: rotate(-8deg) scale(1.06); background: var(--gold); color: #10213f; }
}
@media (max-width: 960px) { .offer-grid { grid-template-columns: repeat(2, 1fr); } .offer-card, .offer-card:nth-child(4) { grid-column: auto; } .offer-card:last-child { grid-column: 1 / -1; } }
@media (max-width: 560px) { .offer-grid { grid-template-columns: 1fr; gap: 12px; } .offer-card:last-child { grid-column: auto; } }

/* ===== Realtors — working together (connected steps) ===== */
.flow { list-style: none; position: relative; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; max-width: 1000px; margin: 0 auto; }
.flow::before { content: ''; position: absolute; top: 36px; left: 16%; right: 16%; height: 2px; background: repeating-linear-gradient(90deg, var(--blue-2) 0 8px, transparent 8px 16px); opacity: .35; }
.flow-step { position: relative; text-align: center; padding: 0 10px; }
.flow-ico { position: relative; width: 72px; height: 72px; margin: 0 auto 18px; border-radius: 50%; display: grid; place-items: center; color: var(--blue-2); background: #fff; border: 1px solid var(--border); box-shadow: 0 0 0 8px var(--bg-soft), 0 18px 36px -18px rgba(16,42,92,0.5); }
.flow-step:last-child .flow-ico { color: #10213f; background: var(--gold); border-color: transparent; }
.flow-ico svg { width: 28px; height: 28px; }
.flow-step h3 { font-size: 20px; }
.flow-step p { margin-top: 8px; font-size: 14.5px; line-height: 1.6; color: var(--ink-muted); }
@media (max-width: 760px) { .flow { grid-template-columns: 1fr; gap: 30px; } .flow::before { top: 36px; bottom: 36px; left: 50%; right: auto; width: 2px; height: auto; background: repeating-linear-gradient(180deg, var(--blue-2) 0 8px, transparent 8px 16px); } .flow-step { background: var(--bg-soft); } }

/* split photo on the realtors page */
.split-photo .float-card { color: #fff; }

/* ===== Monthly mortgage calculator ===== */
.calc-section { overflow: hidden; }
.mc { display: grid; grid-template-columns: 1fr; max-width: 1080px; margin: 0 auto; border-radius: 30px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 34px 70px -34px rgba(16,42,92,0.4); }
@media (min-width: 940px) { .mc { grid-template-columns: 1.05fr 0.95fr; } }
.mc-form { padding: 40px 40px 34px; display: grid; gap: 26px; align-content: start; }
@media (max-width: 560px) { .mc-form { padding: 28px 20px 26px; gap: 22px; } }
.mc-label-row { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 12px; }
.mc-label-row label, .mc-field-select > label, .mc-mini label { font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--ink); white-space: nowrap; }
.mc-label-row label em { display: block; font-style: normal; font-family: var(--font-body); font-weight: 700; font-size: 12.5px; color: var(--blue-2); margin-top: 3px; }
.mc-input { display: flex; align-items: center; gap: 6px; width: 190px; min-width: 0; flex: 0 1 auto; padding: 0 14px; height: 46px; border-radius: 12px; border: 1px solid var(--border); background: var(--bg-soft); transition: border-color .2s ease, box-shadow .2s ease, background .2s ease; }
.mc-input:focus-within { border-color: var(--blue-2); background: #fff; box-shadow: 0 0 0 4px rgba(30,79,163,0.12); }
.mc-input-sm { width: 108px; }
.mc-mini .mc-input { width: auto; }
.mc-input input { width: 100%; min-width: 0; border: none; outline: none; background: transparent; font-family: var(--font-head); font-weight: 600; font-size: 16px; color: var(--ink); text-align: right; }
.mc-affix { font-weight: 700; font-size: 14px; color: var(--ink-faint); }
@media (max-width: 420px) { .mc-input { width: 160px; } .mc-input-sm { width: 100px; } }
.mc-range { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; cursor: pointer; --p: 50%; }
.mc-range:focus { outline: none; }
.mc-range::-webkit-slider-runnable-track { height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--blue-2) 0 var(--p), var(--surface-2) var(--p) 100%); }
.mc-range::-moz-range-track { height: 6px; border-radius: 6px; background: var(--surface-2); }
.mc-range::-moz-range-progress { height: 6px; border-radius: 6px; background: var(--blue-2); }
.mc-range::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%; background: var(--silver-grad); border: 2px solid var(--blue-2); box-shadow: 0 6px 14px -4px rgba(16,42,92,0.4); transition: transform .2s ease, box-shadow .2s ease; }
.mc-range::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 2px solid var(--blue-2); box-shadow: 0 6px 14px -4px rgba(16,42,92,0.4); }
.mc-range:hover::-webkit-slider-thumb, .mc-range:active::-webkit-slider-thumb { transform: scale(1.14); box-shadow: 0 0 0 7px rgba(30,79,163,0.14), 0 6px 14px -4px rgba(16,42,92,0.4); }
.mc-range:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px #fff, 0 0 0 6px var(--blue-2); }
.mc-field-select { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.mc-select { position: relative; }
.mc-select::after { content: ''; position: absolute; right: 15px; top: 50%; width: 8px; height: 8px; margin-top: -6px; border-right: 2px solid var(--ink-muted); border-bottom: 2px solid var(--ink-muted); transform: rotate(45deg); pointer-events: none; }
.mc-select select { -webkit-appearance: none; appearance: none; height: 46px; min-width: 190px; padding: 0 40px 0 16px; border-radius: 12px; border: 1px solid var(--border); background: var(--bg-soft); font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--ink); cursor: pointer; }
.mc-select select:focus { outline: none; border-color: var(--blue-2); box-shadow: 0 0 0 4px rgba(30,79,163,0.12); }
@media (max-width: 420px) { .mc-field-select { flex-direction: column; align-items: stretch; } .mc-select select { width: 100%; } }
.mc-more { border-top: 1px solid var(--border); padding-top: 18px; }
.mc-more summary { list-style: none; display: flex; align-items: center; justify-content: space-between; cursor: pointer; font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--blue-2); }
.mc-more summary::-webkit-details-marker { display: none; }
.mc-more summary svg { transition: transform .3s ease; }
.mc-more[open] summary svg { transform: rotate(180deg); }
.mc-more-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
@media (max-width: 520px) { .mc-more-grid { grid-template-columns: 1fr; } }
.mc-mini label { display: block; font-size: 12.5px; margin-bottom: 8px; color: var(--ink-muted); }
.mc-result { position: relative; overflow: hidden; padding: 38px 36px 34px; color: #fff; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--blue-1) 120%); display: flex; flex-direction: column; gap: 24px; }
.mc-result::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 380px 260px at 95% -10%, rgba(229,183,46,0.18), transparent 65%), radial-gradient(ellipse 320px 240px at -10% 110%, rgba(30,79,163,0.35), transparent 65%); }
.mc-result > * { position: relative; }
@media (max-width: 560px) { .mc-result { padding: 30px 20px 26px; } }
.result-label { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.6); }
.result-amount { margin-top: 8px; font-family: var(--font-head); font-weight: 600; font-size: clamp(2.6rem, 5vw, 3.3rem); letter-spacing: -0.03em; line-height: 1; display: inline-flex; align-items: baseline; gap: 2px; font-variant-numeric: tabular-nums; }
.result-amount .mc-dollar { font-size: .6em; color: var(--silver-3); margin-right: 2px; }
.result-amount small { font-size: .36em; font-weight: 500; color: rgba(255,255,255,0.6); margin-left: 6px; letter-spacing: 0; }
.result-amount.is-pop { animation: mc-pop .5s cubic-bezier(.34,1.56,.64,1); }
@keyframes mc-pop { 0% { transform: scale(0.97); } 100% { transform: scale(1); } }
.mc-viz { display: grid; grid-template-columns: 150px 1fr; gap: 24px; align-items: center; }
@media (max-width: 420px) { .mc-viz { grid-template-columns: 1fr; justify-items: center; } .mc-legend { width: 100%; } }
.mc-donut { position: relative; width: 150px; height: 150px; }
.mc-donut svg { width: 100%; height: 100%; overflow: visible; }
.mc-donut circle { fill: none; stroke-width: 4.6; }
.mc-track { stroke: rgba(255,255,255,0.1); }
.mc-seg { stroke-dasharray: 0 100; stroke-dashoffset: 25; transition: stroke-dasharray .7s cubic-bezier(.22,.9,.4,1), stroke-dashoffset .7s cubic-bezier(.22,.9,.4,1), stroke-width .25s ease, opacity .25s ease; cursor: pointer; }
.mc.has-focus .mc-seg { opacity: .35; }
.mc.has-focus .mc-seg.is-focus { opacity: 1; stroke-width: 6.2; }
.mc-donut-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; pointer-events: none; }
.mc-donut-center b { font-family: var(--font-head); font-weight: 600; font-size: 26px; line-height: 1; }
.mc-donut-center span { margin-top: 5px; max-width: 86px; font-size: 10.5px; line-height: 1.3; color: rgba(255,255,255,0.66); }
.mc-legend { list-style: none; display: grid; gap: 2px; }
.mc-legend li { display: grid; grid-template-columns: 12px 1fr auto; align-items: center; gap: 10px; padding: 8px 10px; border-radius: 10px; font-size: 13.5px; color: rgba(255,255,255,0.8); transition: background .2s ease, opacity .2s ease; }
.mc-legend li i { width: 12px; height: 12px; border-radius: 4px; background: var(--c); box-shadow: 0 0 0 2px rgba(255,255,255,0.08); }
.mc-legend li b { font-family: var(--font-head); font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; }
.mc-legend li.is-zero { opacity: .45; }
.mc-legend li.is-focus, .mc-legend li:hover { background: rgba(255,255,255,0.08); }
.mc-summary { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid rgba(255,255,255,0.14); padding-top: 18px; gap: 10px; }
.mc-summary div { display: flex; flex-direction: column; gap: 4px; }
.mc-summary span { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.58); }
.mc-summary b { font-family: var(--font-head); font-weight: 600; font-size: 16px; font-variant-numeric: tabular-nums; }
@media (max-width: 420px) { .mc-summary { grid-template-columns: 1fr 1fr; } }
.mc-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: auto; }
.mc-ctas .btn { flex: 1 1 160px; min-width: max-content; }   /* never narrower than its label — wraps to full width instead */
.mc-disclaimer { max-width: 760px; margin: 22px auto 0; text-align: center; font-size: 12.5px; line-height: 1.6; color: var(--ink-faint); }
.calc-more { margin-top: 18px; text-align: center; }
@media (prefers-reduced-motion: reduce) { .mc-seg { transition: none; } }


/* Long labels (down payment page) wrap instead of pushing the input box off the screen */
.mc-label-row label { white-space: normal; min-width: 0; flex: 1 1 auto; line-height: 1.3; }
.mc-label-row label em { white-space: normal; }
.mc-label-row .mc-input { flex: none; }
@media (max-width: 420px) { .mc-label-row .mc-input { width: 140px; } .mc-label-row .mc-input-sm { width: 92px; } }

/* ===== Get In Touch — info column + tabbed first-question card ===== */
.contact-wrap { display: grid; grid-template-columns: 1fr; gap: 44px; }
@media (min-width: 960px) { .contact-wrap { grid-template-columns: 0.92fr 1.08fr; align-items: center; gap: 64px; } }
.contact-info-col h2 { margin-top: 16px; font-size: clamp(1.8rem, 3.2vw, 2.4rem); }
.contact-info-col > p { margin-top: 16px; color: var(--ink-muted); font-size: 15.5px; max-width: 460px; line-height: 1.7; }
.contact-info { display: grid; gap: 14px; margin-top: 30px; }
.contact-row { display: flex; gap: 14px; align-items: center; padding: 12px 14px; margin: 0 -14px; border-radius: 16px; transition: background .25s ease; }
a.contact-row:hover { background: var(--surface); }
.contact-icon { flex: none; width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; color: var(--blue-2); background: var(--surface); border: 1px solid var(--border); transition: transform .35s cubic-bezier(.34,1.56,.64,1), background .25s ease, color .25s ease, border-color .25s ease; }
a.contact-row:hover .contact-icon { transform: rotate(-8deg) scale(1.06); background: var(--blue-2); border-color: var(--blue-2); color: #fff; }
.contact-icon svg { width: 19px; height: 19px; }
.contact-row b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.contact-row em { display: block; margin-top: 2px; font-style: normal; font-size: 14px; color: var(--ink-muted); overflow-wrap: anywhere; }
.contact-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
@media (max-width: 480px) { .contact-actions .btn { flex: 1 1 100%; } }
.qcard { position: relative; padding: 14px 14px 30px; border-radius: 28px; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 40px 80px -40px rgba(10,28,64,0.45); overflow: hidden; }
.qcard::before { content: ''; position: absolute; inset: 0 0 auto 0; height: 160px; z-index: 0; pointer-events: none; background: radial-gradient(ellipse 80% 100% at 50% 0%, rgba(30,79,163,0.1), transparent 70%); }
.qcard-tabs { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; padding: 5px; border-radius: 18px; background: var(--bg-soft); border: 1px solid var(--border); }
.qcard-tab { position: relative; z-index: 1; display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 10px; border-radius: 14px; font-family: var(--font-head); font-size: 14.5px; font-weight: 600; color: var(--ink-muted); transition: color .3s ease; }
.qcard-tab.is-active { color: #fff; }
.qcard-tab-ink { position: absolute; top: 5px; bottom: 5px; left: 5px; width: calc(50% - 5px); border-radius: 14px; background-image: linear-gradient(120deg, #2a5fb9, var(--blue-2) 48%, var(--blue-1)); box-shadow: 0 10px 22px -10px var(--glow); transition: transform .45s cubic-bezier(.34,1.3,.64,1); }
.qcard[data-tab="realtor"] .qcard-tab-ink { transform: translateX(100%); }
.qcard-pane { position: relative; z-index: 1; padding: 26px 22px 0; text-align: center; animation: pane-in .45s cubic-bezier(.2,.8,.2,1) both; }
.qcard-pane[hidden] { display: none; }
@keyframes pane-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.qcard-kicker { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue-2); }
.qcard-pane h3 { margin-top: 12px; font-size: clamp(1.4rem, 2.6vw, 1.75rem); }
.qcard-pane > p { margin-top: 10px; color: var(--ink-muted); font-size: 14.5px; line-height: 1.6; }
.qcard-note { margin-top: 18px; font-size: 12.5px; color: var(--ink-faint); }
.qual-choices { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 22px; text-align: left; }
@media (max-width: 560px) { .qual-choices { grid-template-columns: 1fr; } .qcard-pane { padding: 22px 8px 0; } .qcard-tab { font-size: 13px; gap: 6px; } }
.qual-choice { display: flex; align-items: center; gap: 12px; width: 100%; padding: 14px 14px; border-radius: 15px; border: 1px solid var(--border); background: var(--bg-soft); color: var(--ink); font-family: var(--font-body); font-size: 14.5px; font-weight: 700; line-height: 1.3; text-align: left; transition: border-color .2s ease, background .2s ease, transform .25s ease, color .2s ease, box-shadow .25s ease; }
.qual-choice > span:nth-child(2) { flex: 1; }
.qual-ico { flex: none; width: 36px; height: 36px; border-radius: 11px; display: grid; place-items: center; background: #fff; border: 1px solid var(--border); color: var(--blue-2); transition: background .25s ease, color .25s ease, transform .4s cubic-bezier(.34,1.56,.64,1), border-color .25s ease; }
.qual-ico svg { width: 17px; height: 17px; }
.qual-arrow { color: var(--silver-3); transition: transform .25s ease, color .25s ease; }
@media (hover: hover) {
  .qual-choice:hover { border-color: var(--blue-2); background: #fff; transform: translateY(-2px); box-shadow: 0 14px 28px -18px var(--glow); }
  .qual-choice:hover .qual-ico { background: var(--blue-2); border-color: var(--blue-2); color: #fff; transform: rotate(-8deg); }
  .qual-choice:hover .qual-arrow { color: var(--blue-2); transform: translateX(3px); }
}
.qual-choice.is-picked { border-color: var(--blue-2); background-image: linear-gradient(120deg, var(--blue-2), var(--blue-1)); color: #fff; }
.qual-choice.is-picked .qual-ico { background: rgba(255,255,255,0.18); border-color: rgba(255,255,255,0.3); color: #fff; }
.qual-choice.is-picked .qual-arrow { color: #fff; }
.qcard-field { margin: 22px 0 14px; }

/* ===== Form fields ===== */
.field { margin-bottom: 18px; text-align: left; }
.field label { display: block; font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 8px; font-weight: 700; }
.field label i { font-style: normal; font-weight: 500; text-transform: none; letter-spacing: 0; color: var(--ink-faint); }
.field input, .field select, .field textarea { width: 100%; padding: 15px 16px; border-radius: 13px; border: 1px solid var(--border); background: var(--bg-soft); color: var(--ink); font-family: var(--font-body); font-size: 1rem; transition: border-color .2s ease, box-shadow .2s ease, background .2s ease; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue-2); background: #fff; box-shadow: 0 0 0 4px rgba(30,79,163,0.12); }
.field input.is-invalid { border-color: #c0392b; box-shadow: 0 0 0 4px rgba(192,57,43,0.1); }

/* ===== Map ===== */
.map-section .section-head { margin-bottom: 34px; }
.map-address { display: inline-flex; align-items: center; gap: 9px; font-size: 14.5px; color: var(--ink-muted); }
.map-address svg { color: var(--blue-2); flex: none; }
.map-frame { position: relative; height: 440px; max-width: 1000px; margin: 0 auto; border-radius: 28px; overflow: hidden; border: 1px solid var(--border); box-shadow: var(--shadow); background: var(--surface-2); }
.map-frame iframe { width: 100%; height: 100%; border: 0; display: block; filter: grayscale(0.25) contrast(1.04) saturate(0.9); }
.map-badge { position: absolute; left: 18px; bottom: 18px; display: flex; align-items: center; gap: 12px; padding: 12px 16px 12px 12px; border-radius: 16px; background: rgba(255,255,255,0.94); border: 1px solid var(--border); box-shadow: 0 18px 40px -20px rgba(10,28,64,0.45); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.map-badge-icon { flex: none; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); }
.map-badge b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.map-badge em { display: block; margin-top: 2px; font-style: normal; font-size: 12.5px; color: var(--ink-muted); }
.map-actions { display: flex; justify-content: center; margin-top: 26px; }
@media (max-width: 700px) { .map-frame { height: 340px; border-radius: 22px; } .map-badge { left: 10px; right: 10px; bottom: 10px; } }

/* ===== Footer — light, CTA band on top ===== */
.site-footer { position: relative; overflow: hidden; padding: 0 0 34px; color: var(--ink-muted); background: linear-gradient(180deg, var(--bg-soft) 0%, #eaf0fa 100%); border-top: 1px solid var(--border); }
.footer-glow { position: absolute; top: -220px; left: 50%; width: 900px; height: 420px; transform: translateX(-50%); pointer-events: none; background: radial-gradient(ellipse at center, rgba(229,183,46,0.14), transparent 65%); }
.site-footer .wrap { position: relative; }
.footer-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 26px; padding: 64px 0 52px; border-bottom: 1px solid var(--border); }
.footer-cta h2 { margin-top: 16px; max-width: 580px; font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
.footer-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
@media (max-width: 760px) { .footer-cta { flex-direction: column; text-align: center; } .footer-cta-actions { justify-content: center; width: 100%; } .footer-cta-actions .btn { flex: 1 1 200px; } }
.footer-top { display: grid; grid-template-columns: 1fr; gap: 40px; padding: 52px 0 42px; }
@media (min-width: 900px) { .footer-top { grid-template-columns: 1.1fr 1.6fr; } }
.footer-brand p { font-size: 0.93rem; line-height: 1.65; max-width: 380px; margin-top: 16px; }
.footer-contact { display: flex; flex-direction: column; gap: 6px; margin-top: 16px; }
.footer-contact a { font-weight: 700; font-size: 0.95rem; color: var(--ink); transition: color .2s ease; }
.footer-contact a:hover { color: var(--blue-2); }
.site-footer .social-icons { margin-top: 20px; }
.footer-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 520px) { .footer-links { grid-template-columns: 1fr 1fr; } }
.footer-col h4 { font-family: var(--font-body); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue-2); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.93rem; margin-bottom: 11px; color: var(--ink-soft); transition: color .2s ease, transform .2s ease; }
.footer-col a:hover { color: var(--blue-2); transform: translateX(3px); }
.footer-bottom { display: flex; flex-direction: column; gap: 14px; padding-top: 26px; border-top: 1px solid var(--border); font-size: 0.77rem; line-height: 1.65; color: var(--ink-faint); }
@media (min-width: 960px) { .footer-bottom { flex-direction: row; justify-content: space-between; align-items: flex-end; gap: 40px; } .footer-copy { white-space: nowrap; } }
.legal { display: flex; flex-direction: column; gap: 10px; max-width: 820px; }
.powered-by-footer { display: inline-flex; align-items: center; gap: 10px; font-size: 10px; font-weight: 700; letter-spacing: .2em; color: var(--ink-faint); }
.powered-by-footer img { height: 24px; width: auto; }
.legal-links { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 22px; }
.legal-link { color: var(--blue-2); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.equal-housing { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; color: var(--ink-muted); }

/* ===== Chat widget ===== */
.cw { position: fixed; right: 22px; bottom: 22px; z-index: 500; font-family: var(--font-body); pointer-events: none; }   /* only the launcher + open panel take taps */
.cw-launcher { pointer-events: auto; }
/* fades (never moves) while a button or headline is underneath it — script.js toggles .cw-away */
.cw.cw-away:not(.open) .cw-launcher { opacity: 0; transform: scale(.7); pointer-events: none; }
.cw-launcher { position: relative; width: 60px; height: 60px; min-width: 60px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); border: 2px solid var(--silver-2); box-shadow: 0 18px 36px -12px rgba(10,28,64,0.55); transition: transform .3s cubic-bezier(.34,1.56,.64,1), opacity .25s ease; }
.cw-launcher::before { content: ''; position: absolute; inset: -7px; border-radius: 50%; border: 1.5px solid var(--silver-3); opacity: 0; animation: cw-ring 2.6s ease-out infinite; }
@keyframes cw-ring { 0% { transform: scale(0.8); opacity: .7; } 100% { transform: scale(1.5); opacity: 0; } }
@media (hover: hover) { .cw-launcher:hover { transform: scale(1.08) rotate(-6deg); } }
.cw.open .cw-launcher::before { animation: none; }
.cw-launcher-icon { width: 26px; height: 26px; }
.cw-launcher-ping { position: absolute; top: -2px; right: -2px; width: 15px; height: 15px; border-radius: 50%; background: #22c55e; border: 2.5px solid #fff; }
.cw-launcher-ping::after { content: ''; position: absolute; inset: 0; border-radius: 50%; background: #22c55e; animation: cw-ping 2.2s ease-out infinite; }
.cw.open .cw-launcher-ping { display: none; }
@keyframes cw-ping { 0% { transform: scale(1); opacity: .9; } 100% { transform: scale(2.2); opacity: 0; } }
.cw-panel { position: absolute; right: 0; bottom: 76px; width: 370px; max-width: calc(100vw - 32px); max-height: min(570px, 72vh); background: var(--surface); border: 1px solid var(--border); border-radius: 22px; box-shadow: var(--shadow-lg); display: flex; flex-direction: column; overflow: hidden; opacity: 0; transform: translateY(12px) scale(.98); pointer-events: none; transition: opacity .22s ease, transform .22s ease; }
.cw.open .cw-panel { opacity: 1; transform: none; pointer-events: auto; }
.cw-head { display: flex; align-items: center; gap: 11px; padding: 15px 16px 13px; color: #fff; background: linear-gradient(140deg, var(--navy), var(--navy-2)); }
.cw-avatar { flex: none; width: 38px; height: 38px; border-radius: 50%; overflow: hidden; border: 2px solid var(--silver-2); }
.cw-avatar img { width: 100%; height: 100%; object-fit: cover; }
.cw-head-text { flex: 1; min-width: 0; }
.cw-head-text strong { display: block; font-family: var(--font-head); font-size: 14.5px; font-weight: 600; color: #fff; }
.cw-status { display: flex; align-items: center; gap: 5px; font-size: 11px; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: .04em; }
.cw-dot { width: 6px; height: 6px; border-radius: 50%; background: #22c55e; display: inline-block; }
.cw-close { width: 34px; height: 34px; min-width: 34px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.08); }
@media (hover: hover) { .cw-close:hover { background: rgba(255,255,255,0.18); color: #fff; } }
.cw-body { flex: 1; overflow-y: auto; padding: 14px 16px; display: flex; flex-direction: column; gap: 10px; min-height: 120px; background: var(--bg-soft); }
.cw-msg { display: flex; animation: cw-msg-in .3s ease both; }
@keyframes cw-msg-in { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.cw-msg-bot { justify-content: flex-start; }
.cw-msg-user { justify-content: flex-end; }
.cw-bubble { max-width: 86%; padding: 10px 13px; border-radius: 15px; font-size: 13.5px; line-height: 1.55; white-space: pre-line; }
.cw-msg-bot .cw-bubble { background: #fff; color: var(--ink); border: 1px solid var(--border); border-bottom-left-radius: 4px; }
.cw-msg-user .cw-bubble { background-image: linear-gradient(135deg, var(--blue-2), var(--blue-1)); color: #fff; border-bottom-right-radius: 4px; }
.cw-bubble a { color: var(--blue-2); font-weight: 700; text-decoration: underline; }
.cw-typing { display: flex; gap: 4px; padding: 11px 13px; background: #fff; border: 1px solid var(--border); border-radius: 15px; border-bottom-left-radius: 4px; width: fit-content; }
.cw-typing span { width: 6px; height: 6px; border-radius: 50%; background: var(--ink-muted); opacity: .5; animation: cwTyping 1s infinite ease-in-out; }
.cw-typing span:nth-child(2) { animation-delay: .15s; }
.cw-typing span:nth-child(3) { animation-delay: .3s; }
@keyframes cwTyping { 0%, 60%, 100% { opacity: .35; transform: translateY(0); } 30% { opacity: 1; transform: translateY(-3px); } }
.cw-chips { display: flex; flex-wrap: wrap; gap: 7px; padding: 10px 16px 12px; background: var(--bg-soft); }
.cw-chip { padding: 7px 11px; border-radius: 100px; font-size: 12px; font-weight: 600; color: var(--ink-soft); background: #fff; border: 1px solid var(--border); transition: background .15s ease, color .15s ease, border-color .15s ease; }
@media (hover: hover) { .cw-chip:hover { background: var(--blue-2); color: #fff; border-color: var(--blue-2); } }
.cw-inputrow { display: flex; gap: 8px; padding: 12px 16px; border-top: 1px solid var(--border); }
.cw-input { flex: 1; min-width: 0; border: 1px solid var(--border); background: var(--bg-soft); color: var(--ink); border-radius: 100px; padding: 10px 14px; font-size: 13.5px; font-family: var(--font-body); outline: none; }
.cw-input:focus { border-color: var(--blue-2); }
.cw-send { width: 40px; height: 40px; min-width: 40px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, var(--blue-2), var(--blue-1)); }
.cw-foot { display: flex; justify-content: center; gap: 18px; padding: 10px 16px 12px; border-top: 1px solid var(--border); }
.cw-foot a { display: inline-flex; align-items: center; gap: 6px; font-size: 12.5px; font-weight: 600; color: var(--ink-muted); }
.cw-foot a:hover { color: var(--blue-2); }
@media (max-width: 560px) { .cw { right: 14px; bottom: 14px; } .cw-panel { position: fixed; right: 10px; left: 10px; bottom: 88px; width: auto; max-height: min(72vh, 560px); } }
@media (prefers-reduced-motion: reduce) { .cw-launcher::before, .cw-launcher-ping::after { animation: none; } }
@media (max-width: 380px) { .cw-chips { gap: 5px; padding: 9px 12px 10px; } .cw-chip { padding: 6px 8px; font-size: 11.5px; } }
@media (max-width: 359px) { .cw-chip[data-topic="loans"] { display: none; } }

/* ===== Subpage header — sharp photo + graduated translucent veil + backdrop blur, centered ===== */
.page-header { position: relative; isolation: isolate; overflow: hidden; display: flex; align-items: center; min-height: 68vh; min-height: 68svh; padding: 150px 0 90px; color: #fff; text-align: center; background: var(--navy); }
.page-header::before { content: ''; position: absolute; inset: -4%; z-index: -2; background: var(--photo) center / cover no-repeat; animation: hero-ken-burns 30s ease-in-out infinite alternate; }
.page-header::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(8,24,58,0.76) 0%, rgba(8,24,58,0.5) 45%, rgba(8,24,58,0.3) 100%), rgba(8,24,58,0.14); backdrop-filter: blur(4px) saturate(1.2); -webkit-backdrop-filter: blur(4px) saturate(1.2); }
.page-header .wrap { width: 100%; }
.page-header-tall { min-height: 100vh; min-height: 100svh; padding-top: 140px; }
/* Own line, centered above the translucent pill (Sam's layout) */
.page-back { display: flex; width: fit-content; align-items: center; gap: 8px; margin: 0 auto 18px; font-size: 13px; font-weight: 700; color: rgba(255,255,255,0.78); transition: gap .25s ease, color .25s ease; }
.page-back:hover { gap: 12px; color: #fff; }
.page-header h1 { max-width: 860px; margin: 0 auto; color: #fff; font-size: clamp(2.3rem, 5vw, 3.8rem); letter-spacing: -0.03em; text-wrap: balance; text-shadow: 0 2px 22px rgba(0,0,0,0.4); }
.page-header .lede { max-width: 620px; margin: 20px auto 0; font-size: 1.08rem; line-height: 1.68; color: rgba(255,255,255,0.88); text-shadow: 0 1px 12px rgba(0,0,0,0.45); }
.page-header .eyebrow { margin-bottom: 20px; }
.page-header-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 32px; }
.page-header > .wrap > * { animation: hero-in .8s cubic-bezier(.2,.7,.2,1) both; }
.page-header > .wrap > :nth-child(2) { animation-delay: .08s; } .page-header > .wrap > :nth-child(3) { animation-delay: .16s; } .page-header > .wrap > :nth-child(4) { animation-delay: .24s; } .page-header > .wrap > :nth-child(5) { animation-delay: .32s; }
.header-stats { display: flex; flex-wrap: wrap; justify-content: center; gap: 0; margin: 40px auto 0; max-width: 760px; }
.header-stat { flex: 1 1 200px; padding: 6px 22px; border-left: 1px solid rgba(255,255,255,0.22); }
.header-stat:first-child { border-left: none; }
.header-stat b { display: block; font-family: var(--font-head); font-weight: 600; font-size: clamp(1.7rem, 3vw, 2.2rem); color: #fff; letter-spacing: -0.02em; }
.header-stat span { display: block; margin-top: 4px; font-size: 13px; color: rgba(255,255,255,0.72); }
.page-header .hero-license { justify-content: center; border-top: none; padding-top: 0; }
@media (max-width: 640px) { .page-header { min-height: 0; padding: 124px 0 70px; } .header-stat { flex: 1 1 100%; border-left: none; padding: 10px 0; border-top: 1px solid rgba(255,255,255,0.16); } .header-stat:first-child { border-top: none; } .page-header-actions .btn { flex: 1 1 100%; } }
@media (prefers-reduced-motion: reduce) { .page-header::before, .page-header > .wrap > * { animation: none; } }

/* ===== Credentials spec bar (about) ===== */
.spec-bar { display: grid; grid-template-columns: repeat(3, 1fr); max-width: 1000px; margin: 0 auto; border-radius: 24px; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); overflow: hidden; }
.spec-cell { position: relative; padding: 30px 28px; border-left: 1px solid var(--border); overflow: hidden; }
.spec-cell:first-child { border-left: none; }
.spec-cell::after { content: ''; position: absolute; left: 28px; right: 28px; bottom: 0; height: 2px; background: linear-gradient(90deg, var(--blue-2), var(--silver-3)); transform: scaleX(0); transform-origin: left; transition: transform .5s cubic-bezier(.22,.9,.4,1); }
.spec-cell:hover::after { transform: scaleX(1); }
.spec-ghost { position: absolute; right: 18px; top: 8px; font-family: var(--font-head); font-weight: 700; font-size: 64px; line-height: 1; color: transparent; -webkit-text-stroke: 1px rgba(30,79,163,0.16); }
.spec-icon { width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); margin-bottom: 16px; }
.spec-icon svg { width: 20px; height: 20px; }
.spec-cell h3 { font-size: 17px; margin-bottom: 6px; }
.spec-cell p { font-size: 14px; line-height: 1.6; color: var(--ink-muted); }
@media (max-width: 760px) { .spec-bar { grid-template-columns: 1fr; } .spec-cell { border-left: none; border-top: 1px solid var(--border); } .spec-cell:first-child { border-top: none; } }

/* ===== Long-form story (about) ===== */
.story { max-width: 760px; margin: 0 auto; text-align: center; }
.story-quote { position: relative; margin: 0 auto; padding: 46px 40px 38px; border-radius: 28px; background: linear-gradient(160deg, var(--navy), var(--navy-2)); color: #fff; box-shadow: var(--shadow-lg); overflow: hidden; }
.story-quote::before { content: '\201C'; position: absolute; top: -14px; left: 26px; font-family: var(--font-head); font-size: 150px; line-height: 1; color: rgba(214,221,231,0.16); }
.story-quote blockquote { position: relative; font-family: var(--font-head); font-weight: 500; font-size: clamp(1.15rem, 2vw, 1.4rem); line-height: 1.55; letter-spacing: -0.01em; }
.story-quote blockquote p + p { margin-top: 16px; }
.story-quote figcaption { margin-top: 24px; display: inline-flex; align-items: center; gap: 12px; font-size: 13px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--silver-2); }
.story-quote figcaption img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; border: 2px solid var(--silver-2); }
@media (max-width: 560px) { .story-quote { padding: 40px 22px 30px; } }

/* ===== Spotlight value cards (partner + about) ===== */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.value-grid.three { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 1000px) { .value-grid, .value-grid.three { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .value-grid, .value-grid.three { grid-template-columns: 1fr; } }
.spot-card { position: relative; isolation: isolate; overflow: hidden; padding: 28px 24px 26px; border-radius: 22px; background: var(--surface); border: 1px solid var(--border); text-align: left; }
.spot-card:hover { transform: translateY(-6px); border-color: rgba(30,79,163,0.35); box-shadow: 0 28px 56px -32px rgba(16,42,92,0.45); }
.spot-card .why-icon { margin: 0 0 18px; width: 50px; height: 50px; border-radius: 15px; }
.spot-card .why-icon svg { width: 22px; height: 22px; }
.spot-card h3 { font-size: 18px; margin-bottom: 8px; }
.spot-card p { font-size: 14.5px; line-height: 1.62; color: var(--ink-muted); }

/* ===== Photo step cards (partner how-it-works, HELOC use cases) ===== */
.photo-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .photo-steps { grid-template-columns: 1fr; max-width: 520px; margin: 0 auto; } }
.photo-step { position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; justify-content: flex-end; min-height: 440px; padding: 28px 26px; border-radius: 26px; color: #fff; background: #0c1322; box-shadow: 0 30px 60px -36px rgba(10,28,64,0.55); }
.photo-step::before { content: ''; position: absolute; inset: 0; z-index: -2; background: var(--photo) center / cover no-repeat; transition: transform 1s cubic-bezier(.22,.9,.3,1); }
.photo-step::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(8,24,58,0.9) 0%, rgba(8,24,58,0.55) 45%, rgba(8,24,58,0.12) 100%); }
.photo-step:hover::before { transform: scale(1.06); }
.photo-step-num { position: absolute; top: 22px; left: 22px; width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--navy); background-image: var(--silver-grad); box-shadow: inset 0 1px 0 #fff; }
.photo-step h3 { font-size: 21px; color: #fff; margin-bottom: 8px; }
.photo-step p { font-size: 14.5px; line-height: 1.6; color: rgba(255,255,255,0.82); }
@media (max-width: 900px) { .photo-step { min-height: 360px; } }

/* ===== Split feature (partner "why DPA buyers") ===== */
.split { display: grid; grid-template-columns: 1fr; gap: 44px; align-items: center; }
@media (min-width: 940px) { .split { grid-template-columns: 1fr 1fr; gap: 70px; } }
.split-photo { position: relative; aspect-ratio: 4 / 3.3; border-radius: 28px; background: var(--photo) center / cover no-repeat; box-shadow: var(--shadow-lg); }
.split-photo .float-card { left: auto; right: -18px; bottom: 28px; top: auto; animation: card-float 7s ease-in-out infinite; }
@media (max-width: 560px) { .split-photo .float-card { right: 10px; } }
.split-copy h2 { margin-top: 16px; font-size: clamp(1.8rem, 3.2vw, 2.4rem); }
.split-copy > p { margin-top: 16px; color: var(--ink-muted); line-height: 1.72; }
.check-list { list-style: none; display: grid; gap: 14px; margin-top: 26px; }
.check-list li { display: grid; grid-template-columns: auto 1fr; gap: 14px; align-items: start; font-size: 15px; line-height: 1.55; color: var(--ink-soft); }
.check-list li > svg { width: 26px; height: 26px; padding: 5px; border-radius: 50%; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); }
.check-list b { font-family: var(--font-head); font-weight: 600; color: var(--ink); }
.split-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
@media (max-width: 939px) { .split-copy { text-align: center; } .check-list { text-align: left; max-width: 520px; margin-left: auto; margin-right: auto; } .split-actions { justify-content: center; } }

/* ===== Partner promise panel (navy, centered checklist) ===== */
.promise-panel { position: relative; overflow: hidden; max-width: 960px; margin: 0 auto; padding: 56px 48px; border-radius: 30px; text-align: center; color: #fff; border: 2px solid transparent; background: linear-gradient(150deg, var(--navy) 0%, var(--navy-2) 55%, var(--blue-1) 120%) padding-box, conic-gradient(from var(--ring-angle), rgba(255,255,255,0.06) 0%, var(--blue-3) 14%, #ffffff 24%, rgba(255,255,255,0.06) 38%, rgba(255,255,255,0.06) 62%, var(--silver-3) 78%, rgba(255,255,255,0.06) 90%) border-box; animation: glow-ring-spin 6s linear infinite; box-shadow: var(--shadow-lg); }
.promise-panel h2 { color: #fff; font-size: clamp(1.8rem, 3.2vw, 2.4rem); margin-top: 16px; }
.promise-panel > p { max-width: 560px; margin: 14px auto 0; color: rgba(255,255,255,0.76); line-height: 1.7; }
.promise-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin: 30px auto 0; max-width: 720px; text-align: left; }
.promise-grid li { list-style: none; display: flex; gap: 12px; align-items: center; padding: 15px 16px; border-radius: 16px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); font-weight: 600; font-size: 14.5px; }
.promise-grid svg { flex: none; width: 24px; height: 24px; padding: 5px; border-radius: 50%; color: var(--navy); background-image: var(--silver-grad); }
.promise-note { margin-top: 22px !important; font-size: 12.5px !important; color: rgba(255,255,255,0.55) !important; }
@media (max-width: 640px) { .promise-panel { padding: 42px 20px; border-radius: 24px; } .promise-grid { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) { .promise-panel { animation: none; } }

/* ===== Reviews — empty-state wall ===== */
.review-wall { max-width: 900px; margin: 0 auto; }
.review-grid:empty { display: none; }
.review-grid:not(:empty) + .review-invite { margin-top: 26px; }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 900px) { .review-grid { grid-template-columns: 1fr; } }
.review-card { padding: 28px 24px; border-radius: 22px; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); }
.review-stars { color: #f5b301; letter-spacing: 2px; font-size: 15px; }
.review-card blockquote { margin-top: 14px; font-size: 15px; line-height: 1.65; color: var(--ink-soft); }
.review-card figcaption { margin-top: 16px; font-family: var(--font-head); font-weight: 600; font-size: 14.5px; color: var(--ink); }
.review-card figcaption span { display: block; margin-top: 2px; font-family: var(--font-body); font-weight: 500; font-size: 12.5px; color: var(--ink-muted); }
.review-invite { position: relative; overflow: hidden; display: grid; grid-template-columns: auto 1fr; gap: 28px; align-items: center; padding: 38px 40px; border-radius: 28px; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 34px 70px -40px rgba(10,28,64,0.45); }
.review-invite::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 50% 80% at 100% 0%, rgba(30,79,163,0.08), transparent 70%); }
.review-invite-icon { position: relative; width: 84px; height: 84px; border-radius: 24px; display: grid; place-items: center; color: var(--navy); background-image: var(--silver-grad); box-shadow: inset 0 1px 0 #fff, 0 14px 30px -14px rgba(10,28,64,0.5); }
.review-invite-icon svg { width: 36px; height: 36px; }
.review-invite h3 { font-size: clamp(1.35rem, 2.4vw, 1.7rem); }
.review-invite p { margin-top: 8px; color: var(--ink-muted); line-height: 1.65; }
.review-invite-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
@media (max-width: 640px) { .review-invite { grid-template-columns: 1fr; text-align: center; padding: 30px 20px; justify-items: center; } .review-invite-actions { justify-content: center; } .review-invite-actions .btn { flex: 1 1 100%; } }

/* ===== Calculator hub + switcher ===== */
.calc-hub { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; max-width: 1040px; margin: 0 auto; }
@media (max-width: 760px) { .calc-hub { grid-template-columns: 1fr; } }
.calc-card { position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; justify-content: flex-end; min-height: 300px; padding: 30px 28px; border-radius: 26px; color: #fff; background: #0c1322; box-shadow: 0 30px 60px -36px rgba(10,28,64,0.55); }
.calc-card::before { content: ''; position: absolute; inset: 0; z-index: -2; background: var(--photo) center / cover no-repeat; transition: transform 1s cubic-bezier(.22,.9,.3,1); }
.calc-card::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(8,24,58,0.72) 0%, rgba(8,24,58,0.46) 50%, rgba(8,24,58,0.26) 100%), rgba(8,24,58,0.12); backdrop-filter: blur(4px) saturate(1.2); -webkit-backdrop-filter: blur(4px) saturate(1.2); }
.calc-card:hover::before { transform: scale(1.06); }
.calc-card-icon { position: absolute; top: 24px; left: 24px; width: 50px; height: 50px; border-radius: 15px; display: grid; place-items: center; color: var(--navy); background-image: var(--silver-grad); }
.calc-card-icon svg { width: 22px; height: 22px; }
.calc-card h3 { font-size: 22px; color: #fff; }
.calc-card p { margin-top: 8px; font-size: 14.5px; line-height: 1.6; color: rgba(255,255,255,0.84); max-width: 380px; }
.calc-card .more-link { margin-top: 16px; }
.calc-card:hover .more-link { gap: 16px; border-color: #fff; }
.calc-card-human { background: linear-gradient(150deg, var(--navy), var(--navy-2) 60%, var(--blue-1) 130%); }
.calc-card-human::before, .calc-card-human::after { display: none; }
.calc-card-human .calc-card-icon { padding: 0; overflow: hidden; border: 2px solid var(--silver-2); border-radius: 50%; }
.calc-card-human .calc-card-icon img { width: 100%; height: 100%; object-fit: cover; }
.fineprint { max-width: 760px; margin: 26px auto 0; text-align: center; font-size: 12.5px; line-height: 1.6; color: var(--ink-faint); }
.calc-switch { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 30px; }
.calc-switch a { display: inline-flex; align-items: center; gap: 8px; padding: 12px 18px; border-radius: 100px; border: 1px solid var(--border); background: var(--surface); font-weight: 700; font-size: 13.5px; color: var(--ink-soft); transition: border-color .2s ease, color .2s ease, transform .2s ease; }
.calc-switch a:hover { border-color: var(--blue-2); color: var(--blue-2); transform: translateY(-2px); }
.calc-switch a[aria-current] { color: #fff; border-color: transparent; background-image: linear-gradient(120deg, var(--blue-2), var(--blue-1)); }

/* ===== Tool layout (affordability / refinance) — form left, navy result right ===== */
.tool { display: grid; grid-template-columns: 1fr; max-width: 1080px; margin: 0 auto; border-radius: 30px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 34px 70px -34px rgba(16,42,92,0.4); }
@media (min-width: 940px) { .tool { grid-template-columns: 1.05fr 0.95fr; } }
.tool-result { position: relative; overflow: hidden; padding: 38px 36px 34px; color: #fff; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--blue-1) 120%); display: flex; flex-direction: column; gap: 22px; }
.tool-result::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 380px 260px at 95% -10%, rgba(229,183,46,0.18), transparent 65%); }
.tool-result > * { position: relative; }
@media (max-width: 560px) { .tool-result { padding: 30px 20px 26px; } }
.tool-rows { display: grid; gap: 2px; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 14px; }
.tool-rows div { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; font-size: 14px; color: rgba(255,255,255,0.75); }
.tool-rows b { font-family: var(--font-head); font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; }
.tool-meter { position: relative; height: 10px; border-radius: 10px; background: rgba(255,255,255,0.1); overflow: hidden; }
.tool-meter i { position: absolute; inset: 0 auto 0 0; width: var(--w, 0%); border-radius: inherit; background: linear-gradient(90deg, var(--blue-3), #fff); transition: width .7s cubic-bezier(.22,.9,.4,1); }
.tool-meter-labels { display: flex; justify-content: space-between; margin-top: 8px; font-size: 11.5px; color: rgba(255,255,255,0.55); }

/* ===== FAQ ===== */
.faq { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { border-radius: 18px; background: var(--surface); border: 1px solid var(--border); transition: border-color .25s ease, box-shadow .25s ease; }
.faq details[open] { border-color: rgba(30,79,163,0.35); box-shadow: 0 20px 40px -28px rgba(16,42,92,0.4); }
.faq summary { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 22px; cursor: pointer; font-family: var(--font-head); font-weight: 600; font-size: 16.5px; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary i { flex: none; position: relative; width: 30px; height: 30px; border-radius: 50%; background: var(--surface-2); }
.faq summary i::before, .faq summary i::after { content: ''; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; border-radius: 2px; background: var(--blue-2); transform: translate(-50%, -50%); transition: transform .3s ease; }
.faq summary i::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq details[open] summary i::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq details p { padding: 0 22px 22px; font-size: 15px; line-height: 1.7; color: var(--ink-muted); }

/* ===== Funnel pages — translucent photo backdrop + white frosted card ===== */
.funnel-body { min-height: 100vh; min-height: 100dvh; display: flex; flex-direction: column; position: relative; overflow-x: hidden; background: var(--navy); }
.funnel-photo { position: fixed; inset: -4%; z-index: 0; background: var(--photo) center / cover no-repeat; filter: blur(3px) saturate(1.05); animation: hero-ken-burns 34s ease-in-out infinite alternate; }
.funnel-veil { position: fixed; inset: 0; z-index: 0; background: linear-gradient(0deg, rgba(8,24,58,0.74) 0%, rgba(8,24,58,0.5) 45%, rgba(8,24,58,0.32) 100%), rgba(8,24,58,0.14); }
.funnel-nav, .funnel-wrap { position: relative; z-index: 1; }
.funnel-nav { padding: 20px 0; }
.funnel-nav .wrap { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.funnel-nav .nav-logo { color: #fff; }
.funnel-nav .nav-word small { color: var(--gold); }
.funnel-nav-right { display: flex; align-items: center; gap: 12px; }
.funnel-exit { display: inline-flex; align-items: center; gap: 7px; padding: 10px 16px; border-radius: 100px; font-size: 13px; font-weight: 700; color: #fff; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.28); transition: background .2s ease; }
.funnel-exit:hover { background: rgba(255,255,255,0.2); }
@media (max-width: 480px) { .funnel-nav .nav-word small { display: none; } }
.funnel-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; width: 100%; max-width: 680px; margin: 0 auto; padding: 18px 22px 90px; }
.funnel-meta { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 12px; color: rgba(255,255,255,0.82); font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.funnel-progress { width: 100%; height: 5px; border-radius: 5px; background: rgba(255,255,255,0.18); overflow: hidden; margin-bottom: 22px; }
.funnel-progress-bar { height: 100%; width: 0; border-radius: 5px; background-image: var(--silver-grad); box-shadow: 0 0 14px rgba(229,183,46,0.6); transition: width .45s cubic-bezier(.2,.8,.2,1); }
.funnel-card { position: relative; width: 100%; padding: clamp(28px, 5vw, 42px) clamp(22px, 5vw, 42px); border-radius: 28px; background: rgba(255,255,255,0.94); border: 1px solid rgba(255,255,255,0.7); box-shadow: 0 40px 90px -40px rgba(0,0,0,0.7); backdrop-filter: blur(18px) saturate(1.3); -webkit-backdrop-filter: blur(18px) saturate(1.3); }
.funnel-step { display: none; padding: 0; }
.funnel-step > :last-child { margin-bottom: 0; }
.funnel-step.is-active { display: block; animation: funnel-in .45s cubic-bezier(.2,.8,.2,1) both; }
@keyframes funnel-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.funnel-step .eyebrow-mini { margin-bottom: 16px; }
.funnel-step h1, .funnel-step h2 { font-size: clamp(1.5rem, 3.6vw, 2rem); letter-spacing: -0.02em; }
.funnel-sub { margin-top: 10px; color: var(--ink-muted); font-size: 15px; line-height: 1.6; }
.funnel-step .field { margin-top: 18px; margin-bottom: 0; }
.funnel-step > .btn { margin-top: 26px; }
.funnel-choices { display: grid; gap: 10px; margin-top: 24px; }
.funnel-choices.two { grid-template-columns: 1fr 1fr; }
@media (max-width: 520px) { .funnel-choices.two { grid-template-columns: 1fr; } }
.funnel-choice { display: flex; align-items: center; gap: 12px; width: 100%; padding: 16px 18px; border-radius: 15px; border: 1px solid var(--border); background: #fff; color: var(--ink); font-family: var(--font-body); font-size: 15px; font-weight: 700; line-height: 1.35; text-align: left; transition: border-color .2s ease, transform .2s ease, background .2s ease, box-shadow .2s ease; }
.funnel-choice::before { content: ''; flex: none; width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--silver-3); transition: border-color .2s ease, box-shadow .2s ease, background .2s ease; }
@media (hover: hover) { .funnel-choice:hover { border-color: var(--blue-2); transform: translateX(4px); box-shadow: 0 12px 24px -18px var(--glow); } }
.funnel-choice.is-selected { border-color: var(--blue-2); background: var(--surface-2); color: var(--blue-1); }
.funnel-choice.is-selected::before { border-color: var(--blue-2); background: var(--blue-2); box-shadow: inset 0 0 0 3px #fff; }
.funnel-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 24px; }
.funnel-chip { padding: 12px 18px; border-radius: 100px; border: 1px solid var(--border); background: #fff; color: var(--ink-soft); font-size: 14px; font-weight: 700; transition: border-color .2s ease, background .2s ease, color .2s ease, transform .2s ease; }
@media (hover: hover) { .funnel-chip:hover { border-color: var(--blue-2); transform: translateY(-2px); } }
.funnel-chip.is-selected { color: #fff; border-color: transparent; background-image: linear-gradient(120deg, var(--blue-2), var(--blue-1)); }
.funnel-back { display: inline-flex; align-items: center; gap: 6px; margin-top: 18px; padding: 6px 2px; font-size: 13px; font-weight: 700; color: var(--ink-faint); }
@media (hover: hover) { .funnel-back:hover { color: var(--ink-soft); } }
.funnel-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.funnel-fields .field-wide { grid-column: 1 / -1; }
@media (max-width: 520px) { .funnel-fields { grid-template-columns: 1fr; } }
.funnel-privacy { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 14px; font-size: 12.5px; color: var(--ink-faint); text-align: center; }
.funnel-step-final { text-align: center; }
.funnel-success-icon { width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 50%; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: 0 0 0 8px var(--surface-2); animation: success-pop .6s cubic-bezier(.34,1.56,.64,1) both; }
@keyframes success-pop { from { transform: scale(0.4); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.fn-visitor { white-space: nowrap; }
.funnel-step-final .funnel-sub { max-width: 460px; margin-left: auto; margin-right: auto; }
.calendly-box { position: relative; margin: 26px -12px 0; min-height: 700px; border-radius: 18px; overflow: hidden; background: var(--bg-soft); }
.calendly-box .calendly-inline-widget { min-width: 280px; height: 700px; }
.calendly-loading { position: absolute; inset: 0; display: grid; place-items: center; align-content: center; gap: 12px; font-size: 13.5px; color: var(--ink-muted); }
.calendly-loading i { width: 34px; height: 34px; border-radius: 50%; border: 3px solid var(--border); border-top-color: var(--blue-2); animation: spin .9s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.funnel-note { margin-top: 18px; font-size: 13.5px; color: var(--ink-muted); }
.funnel-note a { color: var(--blue-2); font-weight: 700; }
.funnel-done { display: none; }
.funnel-step-final.is-booked .funnel-ready { display: none; }
.funnel-step-final.is-booked .funnel-done { display: block; }
.funnel-step-final.is-booked .calendly-box { min-height: 0; }
@media (max-width: 560px) { .funnel-wrap { padding: 10px 14px 70px; } .funnel-card { border-radius: 24px; } .calendly-box { margin: 22px -16px 0; } }
@media (prefers-reduced-motion: reduce) { .funnel-photo { animation: none; } .funnel-step.is-active { animation: none; } }

/* ===== Cookie consent banner — navy glass card, bottom-left (full width on phones) ===== */
.cookie-banner { position: fixed; left: 22px; bottom: 22px; z-index: 600; width: min(450px, calc(100vw - 32px)); display: grid; grid-template-columns: auto 1fr; gap: 14px 16px; padding: 20px 20px 18px; border-radius: 22px; color: #fff; background: rgba(10,28,64,0.94); border: 1px solid rgba(255,255,255,0.16); box-shadow: 0 30px 70px -24px rgba(0,0,0,0.6), inset 0 1px 0 rgba(255,255,255,0.08); backdrop-filter: blur(18px) saturate(1.3); -webkit-backdrop-filter: blur(18px) saturate(1.3); opacity: 0; transform: translateY(18px); visibility: hidden; transition: opacity .35s ease, transform .35s ease, visibility 0s linear .35s; }
.cookie-banner.is-visible { opacity: 1; transform: none; visibility: visible; transition: opacity .35s ease, transform .4s cubic-bezier(.2,.8,.2,1), visibility 0s; }
.cookie-icon { width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; color: var(--navy); background-image: var(--silver-grad); box-shadow: inset 0 1px 0 #fff; }
.cookie-icon svg { width: 22px; height: 22px; }
.cookie-copy h4 { font-family: var(--font-head); font-weight: 600; font-size: 16.5px; color: #fff; letter-spacing: -0.01em; }
.cookie-copy p { margin-top: 6px; font-size: 13.5px; line-height: 1.6; color: rgba(255,255,255,0.78); }
.cookie-copy a { color: #fff; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.cookie-actions { grid-column: 1 / -1; display: flex; gap: 10px; }
.cookie-actions .btn { flex: 1 1 0; }
@media (max-width: 560px) {
  .cookie-banner { left: 10px; right: 10px; bottom: 10px; width: auto; padding: 16px 16px 14px; border-radius: 18px; gap: 12px 14px; }
  .cookie-icon { width: 38px; height: 38px; border-radius: 11px; }
  /* keep the chat bubble above the banner while it's open */
  body.cookie-open .cw { bottom: calc(var(--cookie-h, 170px) + 20px); }
}
@media (prefers-reduced-motion: reduce) { .cookie-banner, .cookie-banner.is-visible { transition: opacity .2s ease, visibility 0s linear .2s; transform: none; } }
.legal-link.cookie-settings { padding: 0; margin: 0; background: none; border: none; font: inherit; font-weight: 700; color: var(--blue-2); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }

/* ===== Map — Google embed waits for cookie consent or a click ===== */
.map-consent { position: absolute; inset: 0; z-index: 1; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 14px; padding: 24px; text-align: center; background: linear-gradient(160deg, var(--bg-soft), var(--surface-2)); }
.map-consent::before { content: ''; position: absolute; inset: 0; pointer-events: none; opacity: .6; background-image: linear-gradient(rgba(30,79,163,0.07) 1px, transparent 1px), linear-gradient(90deg, rgba(30,79,163,0.07) 1px, transparent 1px); background-size: 36px 36px; }
.map-consent > * { position: relative; }
.map-consent-icon { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #2a5fb9, var(--blue-1)); box-shadow: 0 14px 28px -12px var(--glow); }
.map-consent p { max-width: 340px; font-size: 14.5px; line-height: 1.6; color: var(--ink-muted); }
.map-frame.is-loaded .map-consent { display: none; }
.map-frame .map-badge { z-index: 2; }

/* ===== Privacy policy page ===== */
.legal-doc { max-width: 780px; margin: 0 auto; }
.legal-doc .updated { display: inline-flex; padding: 7px 13px; border-radius: 100px; font-size: 12.5px; font-weight: 700; color: var(--blue-2); background: var(--surface-2); border: 1px solid var(--border); }
.legal-doc h2 { margin: 40px 0 12px; font-size: clamp(1.35rem, 2.4vw, 1.6rem); }
.legal-doc h2:first-of-type { margin-top: 28px; }
.legal-doc p, .legal-doc li { font-size: 15.5px; line-height: 1.75; color: var(--ink-soft); }
.legal-doc p + p { margin-top: 12px; }
.legal-doc ul { margin: 12px 0 0 20px; display: grid; gap: 8px; }
.legal-doc a { color: var(--blue-2); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.legal-doc b { color: var(--ink); }
.legal-doc .legal-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 18px; }

/* ================= WHAT TO BRING — homeowner checklist (assets/js/checklist.js) ================= */
/* shared items */
.ck-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.ck-item { display: flex; align-items: flex-start; gap: 12px; padding: 10px 12px; border-radius: 12px; cursor: pointer; color: var(--ink-soft); font-size: 0.94rem; line-height: 1.45; transition: background-color .25s ease, opacity .3s ease, transform .32s cubic-bezier(.2,.8,.2,1); -webkit-tap-highlight-color: transparent; }
@media (hover: hover) { .ck-item:hover { background: var(--bg-soft); } }
.ck-item:focus-visible { outline: 2px solid var(--blue-2); outline-offset: 1px; }
.ck-box { flex: none; width: 22px; height: 22px; margin-top: 1px; border-radius: 7px; border: 2px solid var(--silver-2); background: #fff; display: grid; place-items: center; color: #fff; padding: 0; transition: background-color .25s ease, border-color .25s ease, transform .25s ease; }
.ck-box svg { width: 14px; height: 14px; stroke-dasharray: 24; stroke-dashoffset: 24; transition: stroke-dashoffset .35s ease .05s; }
.ck-item.is-ready .ck-box { background: var(--blue-2); border-color: var(--blue-2); transform: scale(1.06); }
.ck-item.is-ready .ck-box svg { stroke-dashoffset: 0; }
.ck-item.is-ready .ck-txt { color: var(--ink-faint); text-decoration: line-through; text-decoration-color: rgba(30,79,163,0.4); }
.ck-item.is-new { animation: ckIn .55s cubic-bezier(.2,.8,.2,1) both, ckFlash 1.4s ease; }
.ck-item.is-leaving { opacity: 0; transform: translateX(16px); pointer-events: none; }
@keyframes ckIn { from { opacity: 0; transform: translateY(-10px) scale(.98); } }
@keyframes ckFlash { 0%, 35% { background-color: rgba(229,183,46,0.24); } 100% { background-color: transparent; } }
.ck-bar { display: block; height: 6px; border-radius: 6px; background: var(--surface-2); overflow: hidden; }
.ck-bar i { display: block; height: 100%; border-radius: inherit; background: var(--blue-2); transform-origin: left; transform: scaleX(var(--ck-p, 0)); transition: transform .6s cubic-bezier(.22,.9,.4,1), background-color .4s ease; }
[data-ck].is-complete .ck-bar i { background: var(--gold); }
.ck-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.ck-actions .btn svg { width: 16px; height: 16px; }
.ck-note { margin: 14px 0 0; font-size: 0.82rem; color: var(--ink-faint); }
.ck-note.center { text-align: center; margin-top: 22px; }
.ck-ic { flex: none; display: grid; place-items: center; padding: 0; }
.ck-ic svg { width: 19px; height: 19px; }
/* toggles get a tiny "+" that turns into a gold check */
.ck-tog { -webkit-tap-highlight-color: transparent; font-family: var(--font-body); cursor: pointer; }
.ck-tog:focus-visible { outline: 2px solid var(--blue-2); outline-offset: 2px; }

/* ---------- layout: toggles left, live checklist on a photo right ---------- */
.cka-grid { display: grid; gap: 52px; align-items: center; }
@media (min-width: 980px) { .cka-grid { grid-template-columns: 1fr 1.05fr; gap: 60px; } }
.cka-copy .section-head { margin-bottom: 30px; }
.cka-togs { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.ck-tog { display: flex; align-items: center; gap: 12px; min-height: 64px; padding: 12px 40px 12px 12px; position: relative; text-align: left; font-size: 0.9rem; font-weight: 700; line-height: 1.3; color: var(--ink); background: #fff; border: 1px solid var(--border); border-radius: 14px; transition: border-color .25s ease, background-color .25s ease, box-shadow .25s ease, transform .2s ease; }
.ck-tog .ck-ic { width: 38px; height: 38px; border-radius: 11px; background: var(--surface-2); color: var(--blue-2); transition: background-color .25s ease, color .25s ease; }
.ck-tog::after { content: '+'; position: absolute; right: 12px; top: 50%; width: 20px; height: 20px; margin-top: -10px; border-radius: 50%; display: grid; place-items: center; font-size: 15px; font-weight: 700; line-height: 1; color: var(--ink-faint); border: 1px solid var(--silver-2); transition: background-color .25s ease, color .25s ease, border-color .25s ease, transform .3s ease; }
@media (hover: hover) { .ck-tog:hover { border-color: rgba(30,79,163,0.45); transform: translateY(-2px); box-shadow: var(--shadow); } }
.ck-tog[aria-pressed="true"] { border-color: var(--blue-2); background: #f3f7ff; box-shadow: 0 0 0 3px rgba(30,79,163,0.1); }
.ck-tog[aria-pressed="true"] .ck-ic { background: var(--blue-2); color: #fff; }
.ck-tog[aria-pressed="true"]::after { content: '\2713'; font-size: 12px; background: var(--gold); border-color: var(--gold); color: #10213f; transform: rotate(360deg); }
@media (max-width: 520px) { .cka-togs { grid-template-columns: 1fr; } .ck-tog { min-height: 56px; } }

.cka-stage { position: relative; padding: 40px 0; }
.cka-photo { position: absolute; top: 0; bottom: 0; right: 0; width: 78%; height: 100%; object-fit: cover; border-radius: 26px; }
.cka-stage::before { content: ''; position: absolute; top: 0; bottom: 0; right: 0; width: 78%; border-radius: 26px; background: linear-gradient(90deg, rgba(10,28,64,0.35), rgba(10,28,64,0.05)); z-index: 1; }
.cka-doc { position: relative; z-index: 2; width: min(450px, 88%); background: #fff; border-radius: 20px; padding: 34px 22px 22px; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.cka-clip { position: absolute; top: -13px; left: 50%; width: 104px; height: 28px; margin-left: -52px; border-radius: 9px; background: linear-gradient(180deg, #2a5bb3, var(--blue-1)); box-shadow: 0 8px 16px -8px rgba(10,28,64,0.6); }
.cka-clip::after { content: ''; position: absolute; left: 50%; top: 8px; width: 34px; height: 6px; margin-left: -17px; border-radius: 6px; background: var(--gold); }
.ckd-head { display: flex; align-items: center; gap: 12px; padding: 0 12px 16px; border-bottom: 1px dashed var(--border); }
.ckd-head b { display: block; font-family: var(--font-head); font-size: 1.05rem; color: var(--ink); }
.ckd-head span:not(.ckd-mark) { display: block; font-size: 0.78rem; color: var(--ink-muted); margin-top: 2px; }
.ckd-mark { flex: none; width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-2); color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 0.85rem; letter-spacing: 0.04em; box-shadow: inset 0 0 0 2px rgba(229,183,46,0.9); }
.ckd-count { display: grid; gap: 8px; padding: 14px 12px 8px; font-size: 0.82rem; color: var(--ink-muted); }
.ckd-count b { color: var(--blue-2); }
.cka-doc .ck-list { padding: 4px 0 2px; }
.cka-doc .ck-note { padding: 0 12px; }
.cka-doc .ck-actions { padding: 16px 12px 0; }
@media (max-width: 979px) {
  .cka-stage { padding: 190px 0 0; }
  .cka-photo, .cka-stage::before { width: 100%; height: 250px; bottom: auto; }
  .cka-doc { width: auto; margin: 0 14px; }
}
@media (max-width: 420px) { .cka-doc { margin: 0 6px; padding: 32px 10px 18px; } .cka-doc .ck-actions .btn { flex: 1 1 100%; } }


/* ---------- print gate: name / email / phone before the list prints ---------- */
.ck-gate { display: grid; grid-template-rows: 0fr; opacity: 0; visibility: hidden; transition: grid-template-rows .45s cubic-bezier(.22,.9,.4,1), opacity .3s ease, visibility 0s linear .45s; }
.ck-gate.is-open { grid-template-rows: 1fr; opacity: 1; visibility: visible; transition: grid-template-rows .45s cubic-bezier(.22,.9,.4,1), opacity .35s ease .08s, visibility 0s; }
.ck-gate-in { overflow: hidden; min-height: 0; }
.ck-gate-form { margin: 16px 12px 2px; padding: 18px 16px 14px; border-radius: 16px; background: var(--bg-soft); border: 1px solid var(--border); }
.ck-gate-title { margin: 0; font-family: var(--font-head); font-weight: 700; font-size: 1rem; color: var(--ink); }
.ck-gate-sub { margin: 4px 0 14px; font-size: 0.84rem; color: var(--ink-muted); }
.ck-gate-form .field { margin-bottom: 12px; }
.ck-gate-form .field input { font-size: 16px; background: #fff; }
.ck-gate-err { margin: 0 0 10px; min-height: 0; font-size: 0.82rem; font-weight: 600; color: #b42318; }
.ck-gate-err:empty { display: none; }
.ck-gate-form .btn svg { width: 16px; height: 16px; }
.ck-gate-legal { margin: 10px 0 0; font-size: 0.72rem; line-height: 1.5; color: var(--ink-faint); }
.ck-gate-legal a { color: var(--blue-2); text-decoration: underline; }
[data-ck] [data-ck-print][aria-expanded="true"] { border-color: var(--blue-2); color: var(--blue-2); }
@media (prefers-reduced-motion: reduce) { .ck-gate, .ck-gate.is-open { transition: none; } }