/* ==========================================================================
   Tisha Findlay (Aasla) · Design system
   Brand: ink teal #112D32 / #0A1B1E · gold #FFCB08 · mist #E0F1F5
   Type: Plus Jakarta Sans (stand-in for Mundial; swap via --font) + Instrument Serif italic accents
   ========================================================================== */
/* ---------- Self-hosted fonts (SIL OFL) ---------- */
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 300; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-300-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 400; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: italic; font-weight: 400; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-400-italic.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 500; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 600; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 700; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 800; font-display: swap; src: url("/assets/fonts/plus-jakarta-sans-latin-800-normal.woff2") format("woff2"); }
@font-face { font-family: "Instrument Serif"; font-style: normal; font-weight: 400; font-display: swap; src: url("/assets/fonts/instrument-serif-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Instrument Serif"; font-style: italic; font-weight: 400; font-display: swap; src: url("/assets/fonts/instrument-serif-latin-400-italic.woff2") format("woff2"); }

:root {
  --ink: #0A1B1E;
  --teal: #112D32;
  --teal-2: #1A444C;
  --teal-3: #245F6A;
  --gold: #FFCB08;
  --gold-2: #E6B400;
  --gold-soft: #FFF3BF;
  --mist: #E0F1F5;
  --mist-2: #EFF8FA;
  --bone: #F5F7F6;
  --paper: #FFFFFF;
  --text: #112D32;
  --muted: #3C4648;
  --muted-2: rgba(17, 45, 50, .78);
  --line: rgba(17, 45, 50, .12);
  --line-light: rgba(255, 255, 255, .14);
  --font: "Plus Jakarta Sans", "Mundial", system-ui, -apple-system, "Segoe UI", sans-serif;
  --serif: "Instrument Serif", Georgia, "Times New Roman", serif;
  --container: 1280px;
  --gutter: clamp(20px, 4vw, 48px);
  --radius: 24px;
  --radius-sm: 14px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  --ease-out: cubic-bezier(.16, 1, .3, 1);
  --header-h: 92px;
  --shadow: 0 24px 60px -30px rgba(10, 27, 30, .35);
  --shadow-sm: 0 10px 30px -18px rgba(10, 27, 30, .35);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--font); font-size: 1.0625rem; line-height: 1.7; color: var(--text); background: var(--paper); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: clip; }
img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, p, figure, blockquote, fieldset { margin: 0; }
fieldset { border: 0; padding: 0; min-width: 0; }
legend { padding: 0; }
address { font-style: normal; }
::selection { background: var(--gold); color: var(--ink); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.ico { width: 20px; height: 20px; flex: none; }
.ico-sm { width: 16px; height: 16px; }
.container { width: min(100% - 2 * var(--gutter), var(--container)); margin-inline: auto; }
.narrow { max-width: 760px; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 1000; background: var(--gold); color: var(--ink); padding: .75rem 1rem; border-radius: 10px; font-weight: 700; transition: top .2s; }
.skip:focus { top: 16px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.small { font-size: .9rem; color: var(--muted-2); }

/* ---------- Typography ---------- */
.display-1, .display-2, .h2, .h3, .prose h2, .prose h3 { font-weight: 800; letter-spacing: -.03em; line-height: 1.02; text-wrap: balance; }
.display-1 { font-size: clamp(2.75rem, 5.4vw + .6rem, 5.6rem); line-height: .98; letter-spacing: -.035em; }
.display-2 { font-size: clamp(2.25rem, 3.8vw + .6rem, 4.1rem); }
.h2 { font-size: clamp(1.9rem, 2.4vw + .6rem, 3rem); font-weight: 700; line-height: 1.08; letter-spacing: -.025em; }
.h3 { font-size: 1.35rem; font-weight: 700; line-height: 1.25; letter-spacing: -.015em; }
.display-1 em, .display-2 em, .h2 em, .footer__title em { font-family: var(--serif); font-style: italic; font-weight: 400; letter-spacing: 0; font-size: 1.1em; color: var(--teal-3); }
.hero--home em, .section--ink em, .footer__title em { color: var(--gold); }
.eyebrow { display: inline-flex; align-items: center; gap: .75rem; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--teal-3); margin-bottom: 1.1rem; }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--gold); border-radius: 2px; }
.eyebrow--gold { color: var(--gold); }
.lede { font-size: clamp(1.08rem, 1.1vw + .6rem, 1.3rem); line-height: 1.6; color: var(--muted); max-width: 60ch; text-wrap: pretty; }
.lede--light { color: rgba(255, 255, 255, .78); }
.lede a { text-decoration: underline; text-underline-offset: 3px; }
.textlink { display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; color: var(--teal); position: relative; }
.textlink .ico { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.textlink:hover .ico { transform: translateX(4px); }
.textlink::after { content: ""; position: absolute; left: 0; bottom: -3px; height: 2px; width: 0; background: var(--gold); transition: width .35s var(--ease); }
.textlink:hover::after { width: calc(100% - 24px); }
.section--ink .textlink, .lead-band .textlink { color: #fff; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; padding: .95rem 1.5rem; border-radius: 999px; font-weight: 700; font-size: .95rem; line-height: 1; white-space: nowrap; border: 1px solid transparent; transition: transform .25s var(--ease), background-color .25s, border-color .25s, box-shadow .25s, color .25s; }
.btn .ico { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.btn:hover .ico { transform: translateX(3px); }
.btn:active { transform: translateY(0) scale(.98); }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: #FFD83A; transform: translateY(-2px); box-shadow: 0 14px 34px -14px rgba(255, 203, 8, .75); }
.btn-ink { background: var(--teal); color: #fff; }
.btn-ink:hover { background: var(--teal-2); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.btn-ghost { border-color: var(--line); color: var(--teal); background: transparent; }
.btn-ghost:hover { border-color: var(--teal); background: var(--mist-2); transform: translateY(-2px); }
.btn-ghost-light { border-color: rgba(255, 255, 255, .28); color: #fff; }
.btn-ghost-light:hover { background: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .55); transform: translateY(-2px); }
.btn-lg { padding: 1.15rem 1.9rem; font-size: 1.02rem; }
.btn-sm { padding: .72rem 1.15rem; font-size: .86rem; }
.btn-xs { padding: .5rem .85rem; font-size: .8rem; }
.btn-block { width: 100%; }
.actions { display: flex; flex-wrap: wrap; gap: .85rem; align-items: center; margin-top: 2rem; }
.actions--center { justify-content: center; margin-top: 3rem; }
.iconbtn { width: 44px; height: 44px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; border: 1px solid var(--line); transition: background .2s, border-color .2s; }
.iconbtn:hover { background: var(--mist-2); border-color: var(--teal); }
.iconbtn--sm { width: 34px; height: 34px; }
.iconbtn--sm .ico { width: 16px; height: 16px; }

.pills { display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 1.25rem; }
.pills--center { justify-content: center; margin-top: 2.5rem; }
.pill { display: inline-flex; align-items: center; gap: .4rem; padding: .62rem 1.05rem; border-radius: 999px; border: 1px solid var(--line); font-size: .9rem; font-weight: 600; color: var(--teal); background: #fff; transition: all .25s var(--ease); }
.pill .ico { width: 15px; height: 15px; }
.pill:hover, .pill.is-active { background: var(--teal); color: #fff; border-color: var(--teal); }

/* ---------- Rates bar + header ---------- */
.ratesbar { background: var(--ink); color: rgba(255, 255, 255, .78); font-size: .82rem; }
.ratesbar__inner { display: flex; align-items: center; gap: 1.75rem; height: 40px; }
.ratesbar__item { display: inline-flex; align-items: center; gap: .5rem; white-space: nowrap; }
.ratesbar__item strong { color: #fff; font-weight: 700; }
.ratesbar__val { color: #fff; font-weight: 700; }
.ratesbar .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 3px rgba(255, 203, 8, .2); animation: pulse 2.4s ease-in-out infinite; }
.ratesbar__link { margin-left: auto; display: inline-flex; align-items: center; gap: .35rem; color: var(--gold); font-weight: 700; }
.ratesbar__link .ico { width: 15px; height: 15px; }
@keyframes pulse { 0%, 100% { box-shadow: 0 0 0 3px rgba(255, 203, 8, .2); } 50% { box-shadow: 0 0 0 6px rgba(255, 203, 8, .05); } }

.header { position: sticky; top: 0; z-index: 90; height: var(--header-h); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); background: rgba(255, 255, 255, .82); border-bottom: 1px solid var(--line); transition: box-shadow .3s, background .3s; }
.header[data-theme="dark"] { background: rgba(10, 27, 30, .72); border-bottom-color: var(--line-light); color: #fff; }
.header.is-scrolled { box-shadow: 0 10px 40px -20px rgba(10, 27, 30, .35); }
.header__inner { display: flex; align-items: center; gap: 2rem; height: 100%; }
.brand { display: inline-flex; align-items: center; gap: .85rem; font-weight: 800; letter-spacing: -.02em; }
/* The brokerage logo is used exactly as supplied, on a white plate so it reads on dark backgrounds too. */
.brand__plate { display: inline-flex; align-items: center; justify-content: center; height: 72px; padding: 5px 9px; background: #fff; border-radius: 10px; flex: none; }
.brand__plate img { height: 100%; width: auto; display: block; }
.brand__plate--lg { height: 104px; padding: 8px 14px; border-radius: 14px; }
.header[data-theme="dark"] .brand__plate { box-shadow: 0 6px 20px -10px rgba(0, 0, 0, .5); }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; white-space: nowrap; }
.brand__name { font-size: 1.12rem; }
.brand__sub { font-size: .66rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; opacity: .82; margin-top: 3px; }
.footer .brand { align-items: center; }
.footer .brand__text { color: #fff; }
.nav { margin-left: auto; }
.nav__list { display: flex; align-items: center; gap: .25rem; }
.nav__link { display: inline-flex; align-items: center; gap: .3rem; padding: .6rem .85rem; border-radius: 999px; font-weight: 600; font-size: .94rem; position: relative; white-space: nowrap; transition: background .2s; }
.nav__link:hover, .nav__link.is-active { background: rgba(17, 45, 50, .07); }
.header[data-theme="dark"] .nav__link:hover, .header[data-theme="dark"] .nav__link.is-active { background: rgba(255, 255, 255, .1); }
.nav__link .ico { transition: transform .25s; }
.nav__item--mega { position: relative; }
.nav__item--mega:hover .nav__link .ico, .nav__item--mega:focus-within .nav__link .ico { transform: rotate(180deg); }
.mega { position: absolute; top: calc(100% + 14px); left: 50%; transform: translate(-50%, 8px); width: min(880px, 92vw); background: #fff; color: var(--text); border-radius: 22px; box-shadow: 0 30px 80px -30px rgba(10, 27, 30, .45), 0 0 0 1px var(--line); display: grid; grid-template-columns: 1fr 260px; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .25s var(--ease), transform .3s var(--ease), visibility 0s .25s; }
.mega::before { content: ""; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.nav__item--mega:hover .mega, .nav__item--mega:focus-within .mega { opacity: 1; visibility: visible; pointer-events: auto; transform: translate(-50%, 0); transition-delay: 0s; }
.mega__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .25rem; padding: 1rem; }
.mega__link { display: flex; flex-direction: column; gap: .2rem; padding: .9rem 1rem; border-radius: 14px; transition: background .2s; }
.mega__link:hover { background: var(--mist-2); }
.mega__label { font-weight: 700; font-size: .95rem; }
.mega__desc { font-size: .8rem; color: var(--muted-2); line-height: 1.4; }
.mega__aside { background: var(--teal); color: #fff; border-radius: 0 22px 22px 0; padding: 1.5rem; display: flex; flex-direction: column; justify-content: center; }
.mega__rate { font-size: 3rem; font-weight: 800; line-height: 1; letter-spacing: -.03em; color: var(--gold); font-variant-numeric: tabular-nums; }
.mega__pct { font-size: 1.4rem; margin-left: 2px; }
.mega__ratelabel { font-size: .85rem; opacity: .75; margin: .35rem 0 1.25rem; }
.header__actions { display: flex; align-items: center; gap: .9rem; margin-left: auto; }
.nav + .header__actions { margin-left: 0; }
.header__phone { display: inline-flex; align-items: center; gap: .45rem; font-weight: 700; font-size: .94rem; opacity: .9; white-space: nowrap; }
.header__phone .ico { width: 17px; height: 17px; }
.burger { display: none; width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--line); position: relative; }
.header[data-theme="dark"] .burger { border-color: var(--line-light); }
.burger span { position: absolute; left: 14px; right: 14px; height: 2px; background: currentColor; border-radius: 2px; transition: transform .3s var(--ease), top .3s var(--ease); top: 18px; }
.burger span:last-child { top: 26px; }
.burger[aria-expanded="true"] span:first-child { top: 22px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:last-child { top: 22px; transform: rotate(-45deg); }

.mobile-menu { position: fixed; inset: var(--header-h) 0 0 0; z-index: 85; background: var(--teal); color: #fff; overflow: auto; animation: fadeUp .35s var(--ease); }
.mobile-menu[hidden] { display: none; }
.mobile-menu__inner { padding: 1.5rem var(--gutter) 6rem; }
.mobile-menu__list > li > a { display: block; padding: .9rem 0; font-size: 1.6rem; font-weight: 800; letter-spacing: -.02em; border-bottom: 1px solid var(--line-light); }
.mobile-menu__group ul { padding: .5rem 0 .75rem 1rem; display: grid; grid-template-columns: 1fr 1fr; gap: .25rem .75rem; }
.mobile-menu__group ul a { display: block; padding: .5rem 0; font-size: .95rem; font-weight: 600; opacity: .85; }
.mobile-menu__contact { display: flex; flex-direction: column; gap: .75rem; margin-top: 1.5rem; }
.mobile-menu__contact a { display: inline-flex; align-items: center; gap: .6rem; font-weight: 700; color: var(--gold); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

/* ---------- Sections ---------- */
.section { padding: clamp(4.5rem, 8vw, 7.5rem) 0; }
.section--tight { padding: clamp(2rem, 4vw, 3rem) 0; }
.section--mist { background: var(--mist-2); }
.section--bone { background: var(--bone); }
.section--ink { background: var(--teal); color: #fff; }
.section--ink .eyebrow { color: var(--gold); }
.section--ink .section__intro { color: rgba(255, 255, 255, .72); }
.section__head { display: flex; justify-content: space-between; align-items: flex-end; gap: 3rem; margin-bottom: clamp(2rem, 4vw, 3.25rem); }
.section__head > div { max-width: 720px; }
.section__intro { max-width: 46ch; color: var(--muted); font-size: 1.05rem; line-height: 1.6; margin: 0; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }

/* ---------- Reveal ---------- */
@media (scripting: enabled) and (prefers-reduced-motion: no-preference) {
  [data-reveal] { opacity: 0; transform: translateY(22px); transition: opacity .8s var(--ease-out), transform .8s var(--ease-out); transition-delay: var(--d, 0s); }
  [data-reveal].in { opacity: 1; transform: none; }
}

/* ---------- Home hero ---------- */
.hero--home { position: relative; background: var(--ink); color: #fff; min-height: calc(100svh - var(--header-h)); display: flex; align-items: center; overflow: hidden; isolation: isolate; }
.hero__bg { position: absolute; inset: 0; z-index: -1; }
.hero__bg img { width: 100%; height: 100%; object-fit: cover; object-position: 70% 40%; opacity: .55; filter: saturate(.7) contrast(1.05); transform: scale(1.06); animation: heroZoom 18s var(--ease) forwards; }
@keyframes heroZoom { to { transform: scale(1); } }
.hero__veil { position: absolute; inset: 0; background: linear-gradient(96deg, rgba(10, 27, 30, .97) 0%, rgba(17, 45, 50, .9) 42%, rgba(17, 45, 50, .55) 75%, rgba(10, 27, 30, .75) 100%); }
.hero__veil::after { content: ""; position: absolute; inset: 0; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.5'/%3E%3C/svg%3E"); opacity: .07; mix-blend-mode: overlay; }
.hero__glow { position: absolute; width: 60vw; height: 60vw; max-width: 900px; max-height: 900px; right: -15vw; bottom: -30vw; border-radius: 50%; background: radial-gradient(circle, rgba(255, 203, 8, .22) 0%, rgba(255, 203, 8, 0) 60%); pointer-events: none; }
.hero__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; padding: clamp(3.5rem, 7vw, 6rem) 0 clamp(5rem, 8vw, 7rem); }
.hero__copy .lede { margin-top: 1.5rem; }
.hero__proof { display: flex; flex-wrap: wrap; gap: 1.25rem 1.75rem; margin-top: 2.25rem; font-size: .9rem; font-weight: 600; color: rgba(255, 255, 255, .82); }
.hero__proof li { display: inline-flex; align-items: center; gap: .45rem; }
.hero__proof .ico { width: 18px; height: 18px; color: var(--gold); }
.hero__scroll { position: absolute; left: 50%; bottom: 22px; transform: translateX(-50%); width: 26px; height: 42px; border: 2px solid rgba(255, 255, 255, .3); border-radius: 14px; }
.hero__scroll span { position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px; border-radius: 2px; background: var(--gold); animation: scrollDot 1.8s ease-in-out infinite; }
@keyframes scrollDot { 0% { transform: translateY(0); opacity: 1; } 70% { transform: translateY(14px); opacity: 0; } 100% { opacity: 0; } }

.spotlight { position: relative; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); border-radius: 30px; padding: clamp(1.5rem, 2.5vw, 2.25rem); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); box-shadow: 0 40px 100px -40px rgba(0, 0, 0, .6); }
.spotlight__ring { position: absolute; inset: -1px; border-radius: 30px; padding: 1px; background: linear-gradient(135deg, rgba(255, 203, 8, .6), rgba(255, 203, 8, 0) 40%, rgba(255, 255, 255, 0) 60%, rgba(255, 203, 8, .35)); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none; }
.spotlight__label { font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: rgba(255, 255, 255, .7); }
.spotlight__value { font-size: clamp(3.6rem, 6vw, 5.4rem); font-weight: 800; line-height: 1; letter-spacing: -.04em; color: var(--gold); font-variant-numeric: tabular-nums; margin-top: .35rem; display: flex; align-items: baseline; }
.spotlight__pct { font-size: .45em; margin-left: .1em; }
.spotlight__meta { font-size: .8rem; color: rgba(255, 255, 255, .6); margin-top: .5rem; }
.spotlight__form { margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255, 255, 255, .12); }
.spotlight__q { font-weight: 700; margin-bottom: .75rem; }
.spotlight__form .btn { margin-top: 1rem; }
.spotlight__note { display: flex; align-items: center; gap: .4rem; font-size: .78rem; color: rgba(255, 255, 255, .6); margin-top: .9rem; }
.spotlight__note .ico { width: 15px; height: 15px; color: var(--gold); }

/* ---------- Marquee ---------- */
.marquee { background: var(--ink); color: rgba(255, 255, 255, .72); overflow: hidden; border-top: 1px solid var(--line-light); border-bottom: 1px solid var(--line-light); }
.marquee__track { display: flex; gap: 3rem; width: max-content; padding: .9rem 0; animation: marquee 48s linear infinite; }
.marquee__track span { display: inline-flex; align-items: center; gap: .6rem; font-size: .76rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; white-space: nowrap; }
.marquee__track .ico { width: 12px; height: 12px; color: var(--gold); }
@keyframes marquee { to { transform: translateX(-50%); } }
.marquee:hover .marquee__track { animation-play-state: paused; }

/* ---------- Intro ---------- */
.intro__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2.5rem, 6vw, 6rem); align-items: center; }
.intro__media { position: relative; isolation: isolate; }
.intro__media img { aspect-ratio: 4 / 5; object-fit: cover; object-position: center top; border-radius: 30px; box-shadow: var(--shadow); }
.intro__media::after { content: ""; position: absolute; inset: 18px -18px -18px 18px; border: 2px solid var(--gold); border-radius: 36px; z-index: -1; }
.intro__badge { position: absolute; left: -14px; bottom: 36px; background: var(--gold); color: var(--ink); padding: 1.1rem 1.4rem; border-radius: 20px; display: flex; align-items: center; gap: .9rem; box-shadow: var(--shadow-sm); font-size: .82rem; font-weight: 700; line-height: 1.2; }
.intro__badge-n { font-size: 2.6rem; font-weight: 800; letter-spacing: -.04em; line-height: 1; }
.intro__badge-n sup { font-size: .5em; vertical-align: top; }
.intro__copy p { color: var(--muted); margin-top: 1.1rem; max-width: 62ch; }
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 2.25rem; padding-top: 2rem; border-top: 1px solid var(--line); }
.stats li { display: flex; flex-direction: column; gap: .2rem; }
.stats strong { font-size: 2.3rem; font-weight: 800; letter-spacing: -.04em; line-height: 1; color: var(--teal); }
.stats strong sup { color: var(--gold-2); font-size: .5em; vertical-align: top; }
.stats span { font-size: .85rem; color: var(--muted-2); line-height: 1.35; }

/* ---------- Rates ---------- */
.rates__grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
.rate-card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 1.6rem 1.35rem 1.35rem; display: flex; flex-direction: column; transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.rate-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: rgba(17, 45, 50, .25); }
.rate-card.is-featured { border-color: var(--gold); box-shadow: 0 20px 50px -28px rgba(255, 203, 8, .8), inset 0 3px 0 var(--gold); }
.rate-card__tag { position: absolute; top: -12px; left: 1.25rem; background: var(--gold); color: var(--ink); font-size: .68rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: .3rem .6rem; border-radius: 999px; }
.rate-card__from { font-size: .78rem; color: var(--muted-2); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }
.rate-card__value { font-size: clamp(2.2rem, 2.6vw, 3rem); font-weight: 800; letter-spacing: -.04em; line-height: 1; color: var(--teal); font-variant-numeric: tabular-nums; margin-top: .3rem; display: flex; align-items: baseline; }
.rate-card__pct { font-size: .5em; margin-left: .05em; color: var(--teal-3); }
.rate-card__term { font-weight: 700; margin-top: .6rem; font-size: .95rem; }
.rate-card__cta { margin-top: auto; padding-top: 1.1rem; display: inline-flex; align-items: center; gap: .3rem; font-size: .85rem; font-weight: 700; color: var(--teal-3); text-align: left; }
.rate-card__cta .ico { width: 15px; height: 15px; transition: transform .25s; }
.rate-card__cta:hover .ico { transform: translate(2px, -2px); }
.rates__other { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; }
.rate-row { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 1rem 1.25rem; display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; }
.rate-row__term { font-weight: 700; }
.rate-row__value { color: var(--muted-2); font-size: .92rem; }
.rate-row__link { margin-left: auto; display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; font-size: .9rem; color: var(--teal-3); }
.rate-row__link .ico { width: 16px; height: 16px; }
.rates__meta { display: flex; flex-direction: column; gap: .35rem; margin-top: 1.5rem; font-size: .82rem; color: var(--muted-2); }
.rates__meta strong { color: var(--teal); }
.rates__disc { max-width: 90ch; line-height: 1.5; }

/* ---------- Option cards ---------- */
.ocards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.ocard { position: relative; display: block; border-radius: 26px; overflow: hidden; background: var(--teal); color: #fff; aspect-ratio: 4 / 4.6; isolation: isolate; transition: transform .4s var(--ease), box-shadow .4s var(--ease); }
.ocard:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.ocard__media { position: absolute; inset: 0; z-index: -1; }
.ocard__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); opacity: .75; }
.ocard:hover .ocard__media img { transform: scale(1.06); }
.ocard__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(10, 27, 30, .96) 0%, rgba(10, 27, 30, .55) 45%, rgba(10, 27, 30, .05) 100%); }
.ocard__body { position: absolute; left: 0; right: 0; bottom: 0; padding: 1.75rem; }
.ocard__body h3 { font-size: 1.5rem; font-weight: 800; letter-spacing: -.02em; }
.ocard__body p { color: rgba(255, 255, 255, .78); margin-top: .35rem; font-size: .95rem; line-height: 1.5; }
.ocard__more { display: inline-flex; align-items: center; gap: .35rem; margin-top: 1rem; font-weight: 700; font-size: .9rem; color: var(--gold); }
.ocard__more .ico { width: 16px; height: 16px; transition: transform .3s; }
.ocard:hover .ocard__more .ico { transform: translate(3px, -3px); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; counter-reset: step; }
.step { position: relative; padding: 1.75rem 1.5rem; border-radius: 22px; border: 1px solid var(--line-light); background: rgba(255, 255, 255, .04); }
.section--bone .step, .section:not(.section--ink) .step { border-color: var(--line); background: #fff; }
.step__n { font-family: var(--serif); font-style: italic; font-size: 2.4rem; line-height: 1; color: var(--gold); display: block; }
.section:not(.section--ink) .step__n { color: var(--gold-2); }
.step h3 { font-size: 1.15rem; font-weight: 700; margin-top: 1rem; letter-spacing: -.01em; }
.step p { font-size: .95rem; line-height: 1.6; margin-top: .5rem; opacity: .8; }

/* ---------- Calculator teaser cards ---------- */
.ccards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.ccard { display: flex; flex-direction: column; gap: .6rem; padding: 2rem; border-radius: 24px; border: 1px solid var(--line); background: #fff; transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.ccard:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.ccard__ico { width: 52px; height: 52px; border-radius: 16px; background: var(--gold-soft); color: var(--teal); display: inline-flex; align-items: center; justify-content: center; margin-bottom: .5rem; }
.ccard__ico .ico { width: 24px; height: 24px; }
.ccard h3 { font-size: 1.25rem; font-weight: 800; letter-spacing: -.015em; }
.ccard p { color: var(--muted); font-size: .97rem; flex: 1; }

/* ---------- Testimonials ---------- */
.tgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.tgrid--masonry { display: block; columns: 3; column-gap: 1.25rem; }
.tgrid--masonry .tcard { break-inside: avoid; margin-bottom: 1.25rem; }
.tcard { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 1.9rem; display: flex; flex-direction: column; gap: 1rem; }
.tcard__stars { display: flex; gap: 2px; color: var(--gold); }
.tcard blockquote { font-size: 1.02rem; line-height: 1.65; color: var(--text); flex: 1; }
.tcard figcaption { display: flex; align-items: center; gap: .85rem; margin-top: .25rem; }
.tcard__avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--gold); color: var(--ink); display: inline-flex; align-items: center; justify-content: center; font-weight: 800; font-size: .9rem; flex: none; }
.tcard figcaption span:last-child { display: flex; flex-direction: column; line-height: 1.25; }
.tcard strong { font-weight: 700; }
.tcard small { color: var(--muted-2); font-size: .8rem; }

/* ---------- Blog cards ---------- */
.pgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.pcard { display: flex; flex-direction: column; border-radius: 24px; overflow: hidden; background: #fff; border: 1px solid var(--line); transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.pcard:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.pcard__media { aspect-ratio: 16 / 10; overflow: hidden; }
.pcard__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.pcard:hover .pcard__media img { transform: scale(1.05); }
.pcard__body { padding: 1.5rem; display: flex; flex-direction: column; gap: .5rem; flex: 1; }
.pcard__meta { font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--teal-3); }
.pcard h3 { font-size: 1.2rem; font-weight: 800; letter-spacing: -.015em; line-height: 1.25; }
.pcard p { color: var(--muted); font-size: .95rem; flex: 1; }
.pcard .textlink { margin-top: .5rem; font-size: .92rem; }
.feature { display: grid; grid-template-columns: 1.15fr .85fr; border-radius: 30px; overflow: hidden; background: var(--teal); color: #fff; margin-bottom: 3rem; transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.feature:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature__media img { width: 100%; height: 100%; object-fit: cover; min-height: 360px; }
.feature__body { padding: clamp(2rem, 4vw, 3.5rem); display: flex; flex-direction: column; justify-content: center; gap: 1rem; }
.feature__body .pcard__meta { color: var(--gold); }
.feature__body p { color: rgba(255, 255, 255, .78); }
.feature .textlink { color: #fff; }
.blog__filters { display: flex; flex-wrap: wrap; gap: .6rem; margin-bottom: 2rem; }

/* ---------- Lead band ---------- */
.lead-band { background: var(--teal); color: #fff; padding: clamp(4.5rem, 8vw, 7rem) 0; position: relative; overflow: hidden; }
.lead-band::before { content: ""; position: absolute; width: 50vw; height: 50vw; max-width: 700px; max-height: 700px; left: -20vw; top: -25vw; border-radius: 50%; background: radial-gradient(circle, rgba(255, 203, 8, .14) 0%, rgba(255, 203, 8, 0) 60%); pointer-events: none; }
.lead-band__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; position: relative; }
.lead-band__copy p { color: rgba(255, 255, 255, .75); margin-top: 1.1rem; max-width: 52ch; }
.lead-band__copy .h2 em { color: var(--gold); }
.lead-band__contact { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-top: 1.75rem; }
.lead-band__contact a { display: inline-flex; align-items: center; gap: .5rem; font-weight: 700; color: var(--gold); }
.lead-band__form { color: var(--text); }

.checks { display: flex; flex-direction: column; gap: .6rem; margin-top: 1.5rem; }
.checks li { display: flex; align-items: flex-start; gap: .6rem; font-size: .97rem; line-height: 1.5; }
.checks .ico { width: 20px; height: 20px; color: var(--gold-2); flex: none; margin-top: 2px; }
.checks--light .ico, .lead-band .checks .ico { color: var(--gold); }
.checks--light li, .lead-band .checks li { color: rgba(255, 255, 255, .85); }

/* ---------- Forms ---------- */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.5rem, 3vw, 2.25rem); }
.card--ink { background: var(--teal); color: #fff; border-color: transparent; }
.card--ink .h3 { color: #fff; }
.card--ink p { color: rgba(255, 255, 255, .8); }
.card--ink .btn { margin-top: 1.5rem; }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field > span { font-size: .82rem; font-weight: 700; color: var(--muted); letter-spacing: .01em; }
.field input, .field select, .field textarea { width: 100%; min-height: 52px; padding: .75rem 1rem; border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; color: var(--text); transition: border-color .2s, box-shadow .2s; }
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--teal-3); box-shadow: 0 0 0 4px rgba(36, 95, 106, .14); }
.field input::placeholder, .field textarea::placeholder { color: rgba(17, 45, 50, .4); }
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6' fill='none' stroke='%23112D32' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 44px; }
.field--check { flex-direction: row; align-items: center; gap: .7rem; cursor: pointer; }
.field--check input { width: 22px; height: 22px; min-height: 0; padding: 0; accent-color: var(--teal); flex: none; }
.field--check span { font-size: .95rem; font-weight: 600; color: var(--text); }
.field--full { grid-column: 1 / -1; }
.lead-form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.25rem; }
.lead-form .btn { margin-top: 1.25rem; }
.lead-form__legend { font-size: .82rem; font-weight: 700; color: var(--muted); margin-bottom: .6rem; display: block; }
.lead-form__note { display: block; font-size: .8rem; color: var(--muted-2); line-height: 1.45; margin-top: 1rem; }
.lead-form__note .ico { display: inline-block; width: 16px; height: 16px; color: var(--teal-3); vertical-align: -3px; margin-right: .3rem; }
.lead-form__note a { text-decoration: underline; }
.chips { display: flex; flex-wrap: wrap; gap: .5rem; }
.chip { cursor: pointer; }
.chip input { position: absolute; opacity: 0; width: 0; height: 0; }
.chip span { display: inline-flex; align-items: center; padding: .6rem 1rem; border-radius: 999px; border: 1px solid var(--line); font-size: .9rem; font-weight: 600; background: #fff; color: var(--teal); transition: all .2s var(--ease); }
.chip input:checked + span { background: var(--teal); color: #fff; border-color: var(--teal); }
.chip input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.chips--light .chip span { background: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .2); color: #fff; }
.chips--light .chip input:checked + span { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.lead-form--compact .lead-form__grid { grid-template-columns: 1fr; }

.turnstile { margin-top: 1.1rem; min-height: 65px; }
.form-error { background: #FFE6EC; color: #8B1E3A; border-radius: 12px; padding: .75rem 1rem; font-size: .9rem; font-weight: 600; margin: 0 0 1rem; }

/* ---------- Drawer ---------- */
.drawer-backdrop { position: fixed; inset: 0; z-index: 120; background: rgba(10, 27, 30, .55); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); opacity: 0; transition: opacity .4s var(--ease); }
.drawer-backdrop[hidden] { display: none; }
.drawer-backdrop.in { opacity: 1; }
.drawer { position: fixed; top: 0; right: 0; bottom: 0; z-index: 130; width: min(500px, 100vw); background: #fff; color: var(--text); transform: translateX(104%); visibility: hidden; transition: transform .55s var(--ease-out), visibility 0s .55s; display: flex; flex-direction: column; box-shadow: -30px 0 80px -40px rgba(10, 27, 30, .5); }
.drawer.is-open { transform: translateX(0); visibility: visible; transition-delay: 0s; }
.drawer__head { display: flex; justify-content: space-between; align-items: flex-start; gap: 1rem; padding: 2rem 2rem 1.25rem; border-bottom: 1px solid var(--line); }
.drawer__title { font-size: 1.9rem; font-weight: 800; letter-spacing: -.03em; line-height: 1.05; }
.drawer__sub { color: var(--muted); margin-top: .5rem; font-size: .95rem; }
.drawer__body { padding: 1.5rem 2rem 2.5rem; overflow: auto; }
.drawer__alt { margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: .6rem; }
.drawer__alt p { font-weight: 700; font-size: .9rem; color: var(--muted); }
.drawer__phone, .drawer__mail { display: inline-flex; align-items: center; gap: .55rem; font-weight: 700; color: var(--teal); }
.card--ink .drawer__phone { color: #fff; margin-top: 1rem; justify-content: center; }

/* ---------- Footer ---------- */
.footer { background: var(--ink); color: rgba(255, 255, 255, .78); padding: clamp(4rem, 7vw, 6rem) 0 7rem; }
.footer__cta { display: flex; justify-content: space-between; align-items: flex-end; gap: 3rem; padding-bottom: 3.5rem; border-bottom: 1px solid var(--line-light); }
.footer__title { color: #fff; font-size: clamp(2rem, 3.6vw + .4rem, 4rem); font-weight: 800; letter-spacing: -.035em; line-height: 1; max-width: 16ch; text-wrap: balance; }
.footer__cta-actions { display: flex; gap: .85rem; flex-wrap: wrap; justify-content: flex-end; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1.1fr 1.1fr .9fr .9fr; gap: 2.5rem; padding: 3.5rem 0 2.5rem; }
.footer .brand { color: #fff; }
.footer__blurb { font-size: .92rem; line-height: 1.6; margin-top: 1.25rem; max-width: 36ch; }
.social { display: flex; gap: .6rem; margin-top: 1.5rem; }
.social a { width: 42px; height: 42px; border-radius: 12px; background: var(--gold); color: var(--ink); display: inline-flex; align-items: center; justify-content: center; transition: transform .25s var(--ease), background .2s; }
.social a:hover { transform: translateY(-3px); background: #FFD83A; }
.footer__h { color: #fff; font-size: 1rem; font-weight: 800; letter-spacing: -.01em; margin-bottom: 1rem; }
.footer__address { display: flex; flex-direction: column; gap: .45rem; font-size: .92rem; }
.footer__address a { display: inline-flex; align-items: center; gap: .5rem; color: #fff; font-weight: 600; }
.footer__address .ico { width: 16px; height: 16px; color: var(--gold); }
.footer__links { display: flex; flex-direction: column; gap: .45rem; font-size: .92rem; }
.footer__links a:hover { color: var(--gold); }
.footer__areas { display: flex; flex-wrap: wrap; align-items: center; gap: .5rem 1rem; padding: 1.5rem 0; border-top: 1px solid var(--line-light); border-bottom: 1px solid var(--line-light); font-size: .85rem; }
.footer__areas-label { font-weight: 800; color: var(--gold); letter-spacing: .1em; text-transform: uppercase; font-size: .72rem; }
.footer__areas-list { display: flex; flex-wrap: wrap; gap: .25rem 1.25rem; }
.footer__areas-list a:hover { color: #fff; }
.footer__legal { padding-top: 1.5rem; font-size: .78rem; line-height: 1.6; color: rgba(255, 255, 255, .5); display: flex; flex-direction: column; gap: .5rem; }
.footer__legal a { color: rgba(255, 255, 255, .75); text-decoration: underline; text-underline-offset: 2px; }
.footer__credit { white-space: nowrap; }

.mobile-bar { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80; padding: .65rem var(--gutter) calc(.65rem + env(safe-area-inset-bottom)); background: rgba(255, 255, 255, .92); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); border-top: 1px solid var(--line); gap: .6rem; }
.mobile-bar__call { flex: 0 0 auto; display: inline-flex; align-items: center; gap: .4rem; padding: .9rem 1.1rem; border-radius: 999px; border: 1px solid var(--line); font-weight: 700; font-size: .9rem; }
.mobile-bar__cta { flex: 1; display: inline-flex; align-items: center; justify-content: center; gap: .5rem; padding: .9rem 1rem; border-radius: 999px; background: var(--gold); color: var(--ink); font-weight: 800; font-size: .95rem; }

/* ---------- Inner heroes ---------- */
.hero--light { background: linear-gradient(180deg, var(--mist-2) 0%, #fff 100%); padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(3rem, 6vw, 5rem); position: relative; overflow: hidden; }
.hero--light::before { content: ""; position: absolute; width: 50vw; height: 50vw; max-width: 760px; max-height: 760px; right: -18vw; top: -28vw; border-radius: 50%; background: radial-gradient(circle, rgba(255, 203, 8, .16) 0%, rgba(255, 203, 8, 0) 60%); pointer-events: none; }
.hero--light .container { position: relative; }
.hero--light__grid { display: grid; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.hero--light__grid.has-image { grid-template-columns: 1.1fr .9fr; }
.hero--light__copy .lede { margin-top: 1.5rem; }
.hero--light__media { position: relative; isolation: isolate; }
.hero--light__media img { aspect-ratio: 4 / 5; object-fit: cover; border-radius: 30px; box-shadow: var(--shadow); }
.hero--light__media::after { content: ""; position: absolute; inset: 16px -16px -16px 16px; border: 2px solid var(--gold); border-radius: 36px; z-index: -1; }
.hero--center { text-align: center; }
.hero--center .lede { margin-inline: auto; }
.hero--center .eyebrow::before { display: none; }
.bigcheck { width: 76px; height: 76px; border-radius: 50%; background: var(--gold); color: var(--ink); display: inline-flex; align-items: center; justify-content: center; margin-bottom: 1.5rem; }
.bigcheck .ico { width: 34px; height: 34px; }
.crumbs { font-size: .8rem; font-weight: 600; color: var(--muted-2); margin-bottom: 1.75rem; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: .4rem; }
.crumbs li + li::before { content: "/"; margin-right: .4rem; opacity: .5; }
.crumbs a:hover { color: var(--teal); }
.crumbs [aria-current] { color: var(--teal); }

/* ---------- Overview + prose ---------- */
.overview__grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.overview__aside { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: calc(var(--header-h) + 24px); }
.prose { max-width: 70ch; }
.prose h2 { font-size: clamp(1.6rem, 2vw + .5rem, 2.3rem); font-weight: 800; letter-spacing: -.025em; line-height: 1.1; margin-bottom: 1.25rem; }
.prose h3 { font-size: 1.25rem; font-weight: 700; margin-top: 2rem; margin-bottom: .6rem; }
.prose h2 + h3 { margin-top: 1rem; }
.prose p { color: var(--muted); margin-bottom: 1.15rem; text-wrap: pretty; }
.prose p + h2 { margin-top: 2.5rem; }
.prose ul, .prose ol { margin: 1rem 0 1.25rem 1.25rem; color: var(--muted); display: flex; flex-direction: column; gap: .45rem; }
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose a { color: var(--teal-3); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--text); }
.prose .actions { margin-top: 1.5rem; }
.pull { font-family: var(--serif); font-style: italic; font-size: clamp(1.5rem, 2vw + .4rem, 2.1rem); line-height: 1.25; color: var(--teal); padding: 1.5rem 0 1.5rem 1.5rem; border-left: 3px solid var(--gold); margin: 2rem 0; }
.rate-mini { text-align: center; }
.rate-mini__label { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted-2); }
.rate-mini__value { font-size: 3.2rem; font-weight: 800; letter-spacing: -.04em; line-height: 1; color: var(--teal); margin: .4rem 0 .75rem; font-variant-numeric: tabular-nums; }
.creds { display: flex; flex-direction: column; margin-top: .5rem; }
.creds li { display: grid; grid-template-columns: 84px 1fr; gap: 1rem; padding: .8rem 0; border-bottom: 1px solid var(--line-light); font-size: .92rem; }
.creds li:last-child { border-bottom: 0; }
.creds span { color: rgba(255, 255, 255, .6); font-weight: 600; }
.creds strong { color: #fff; font-weight: 600; }

/* ---------- Generic card grids ---------- */
.wgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.wgrid--4 { grid-template-columns: repeat(4, 1fr); }
.wcard { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 1.75rem; display: flex; flex-direction: column; gap: .5rem; transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.wcard h3 { font-size: 1.12rem; font-weight: 800; letter-spacing: -.015em; }
.wcard p { color: var(--muted); font-size: .95rem; line-height: 1.6; }
.wcard p a { color: var(--teal-3); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.wcard--link:hover, .wcard:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); }
.wcard__ico { width: 48px; height: 48px; border-radius: 14px; background: var(--gold-soft); color: var(--teal); display: inline-flex; align-items: center; justify-content: center; margin-bottom: .5rem; }
.wcard__ico .ico { width: 22px; height: 22px; }
.wcard .textlink { margin-top: .5rem; font-size: .92rem; }

/* ---------- Timeline ---------- */
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; position: relative; padding-top: 2rem; }
.timeline::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 2px; background: var(--line); }
.timeline li { position: relative; }
.timeline li::before { content: ""; position: absolute; top: calc(-2rem - 7px); left: 0; width: 16px; height: 16px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 5px #fff; }
.timeline__k { font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--teal-3); }
.timeline h3 { font-size: 1.3rem; font-weight: 800; letter-spacing: -.02em; margin: .5rem 0; }
.timeline p { color: var(--muted); font-size: .97rem; }

/* ---------- FAQ ---------- */
.faq__grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.faq__head { position: sticky; top: calc(var(--header-h) + 24px); }
.faq__head p { color: var(--muted); margin-top: 1rem; }
.faq__head .textlink { margin-top: 1.5rem; }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__item summary { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.25rem 0; font-weight: 700; font-size: 1.08rem; cursor: pointer; list-style: none; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary .ico { flex: none; transition: transform .3s var(--ease); color: var(--teal-3); }
.faq__item[open] summary .ico { transform: rotate(180deg); }
.faq__a { padding: 0 0 1.5rem; color: var(--muted); max-width: 70ch; }
.faq__a p { margin-bottom: .75rem; }
.faq__a a { color: var(--teal-3); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.faqpage__grid { display: grid; grid-template-columns: 240px 1fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.faqpage__nav { position: sticky; top: calc(var(--header-h) + 24px); display: flex; flex-direction: column; gap: .25rem; }
.faqpage__nav a { display: block; padding: .6rem .9rem; border-radius: 12px; font-weight: 700; font-size: .92rem; color: var(--muted); }
.faqpage__nav a:hover { background: var(--mist-2); color: var(--teal); }
.faqpage__body .h3 { margin-top: 3rem; margin-bottom: .5rem; scroll-margin-top: calc(var(--header-h) + 24px); }
.faqpage__body .h3:first-child { margin-top: 0; }

/* ---------- Calculators ---------- */
.calcnav { position: sticky; top: var(--header-h); z-index: 60; background: rgba(255, 255, 255, .92); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.calcnav__inner { display: flex; gap: .5rem; overflow-x: auto; padding: .75rem 0; scrollbar-width: none; }
.calcnav__inner::-webkit-scrollbar { display: none; }
.calcnav a { white-space: nowrap; padding: .55rem 1rem; border-radius: 999px; font-weight: 700; font-size: .88rem; border: 1px solid var(--line); color: var(--teal); }
.calcnav a:hover { background: var(--teal); color: #fff; border-color: var(--teal); }
.calcs .container { display: flex; flex-direction: column; }
.calcblock { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(2rem, 4vw, 4rem); padding: clamp(2.5rem, 5vw, 4rem) 0; border-top: 1px solid var(--line); scroll-margin-top: calc(var(--header-h) + 70px); }
.calcblock:first-child { border-top: 0; padding-top: 0; }
.calcblock__intro p { color: var(--muted); margin-top: 1rem; max-width: 46ch; }
.calc__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.calc__out { display: flex; flex-wrap: wrap; align-items: baseline; gap: .5rem 1.25rem; margin-top: 1.75rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.calc__out--wide { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 1rem; }
.calc__out--wide > div { display: flex; flex-direction: column; }
.calc__label { font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted-2); }
.calc__value { font-size: clamp(2rem, 3vw, 2.8rem); font-weight: 800; letter-spacing: -.04em; line-height: 1.1; color: var(--teal); font-variant-numeric: tabular-nums; }
.calc__value--sm { font-size: 1.35rem; }
.calc__sub { font-size: .88rem; color: var(--muted-2); flex-basis: 100%; }
.calc__note { font-size: .8rem; color: var(--muted-2); margin-top: 1rem; line-height: 1.5; }
.calc__cta { margin-top: 1.25rem; }
.section--ink .calc { color: var(--text); }

/* ---------- Contact ---------- */
.contact__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.contact__info { display: flex; flex-direction: column; gap: .9rem; }
.icard { display: flex; align-items: flex-start; gap: 1rem; padding: 1.25rem 1.4rem; border-radius: 20px; border: 1px solid var(--line); background: #fff; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.icard:not(.icard--static):hover { transform: translateY(-3px); box-shadow: var(--shadow-sm); }
.icard__ico { width: 46px; height: 46px; border-radius: 14px; background: var(--gold-soft); color: var(--teal); display: inline-flex; align-items: center; justify-content: center; flex: none; }
.icard > span:last-child { display: flex; flex-direction: column; gap: .15rem; font-size: .95rem; color: var(--muted); line-height: 1.5; }
.icard strong { color: var(--text); font-weight: 800; }
.contact__social { display: flex; gap: .6rem; margin-top: .5rem; }
.contact__social a { width: 44px; height: 44px; border-radius: 12px; background: var(--teal); color: var(--gold); display: inline-flex; align-items: center; justify-content: center; transition: transform .25s var(--ease); }
.contact__social a:hover { transform: translateY(-3px); }
.contact__form .h3 { margin-bottom: .5rem; }
.map iframe { display: block; width: 100%; height: 420px; border: 0; filter: grayscale(.25) contrast(1.05); }

/* ---------- Pre-approval stepper ---------- */
.apply__grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: clamp(2rem, 4vw, 4rem); align-items: start; }
.apply__aside { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: calc(var(--header-h) + 24px); }
.apply__aside .h3 { margin-bottom: .25rem; }
.apply__aside .small { margin-top: 1rem; }
.stepper__nav { display: flex; gap: .5rem; margin-bottom: 1.75rem; counter-reset: s; }
.stepper__nav li { flex: 1; counter-increment: s; font-size: .8rem; font-weight: 700; color: var(--muted-2); padding-top: .75rem; border-top: 3px solid var(--line); transition: all .3s; }
.stepper__nav li::before { content: counter(s, decimal-leading-zero) " "; color: var(--gold-2); }
.stepper__nav li.is-current { color: var(--teal); border-top-color: var(--gold); }
.stepper__nav li.is-done { border-top-color: var(--teal); }
.stepper__step { display: none; }
.stepper__step.is-active { display: block; animation: fadeUp .35s var(--ease); }
.stepper__step legend { margin-bottom: 1rem; }
.stepper__actions { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.5rem; }
.stepper__actions .btn { margin-top: 0; }
.stepper__actions .btn:only-child { margin-left: auto; }
.chips--wrap { margin-bottom: .5rem; }

/* ---------- Blog post ---------- */
.post__head { padding: clamp(2.5rem, 5vw, 4rem) 0 0; background: linear-gradient(180deg, var(--mist-2), #fff); }
.post__head .lede { margin-top: 1.25rem; }
.post__hero { margin-top: 2.5rem; }
.post__hero img { width: 100%; aspect-ratio: 21 / 9; object-fit: cover; border-radius: 30px; box-shadow: var(--shadow); }
.post__grid { display: grid; grid-template-columns: 1fr 340px; gap: clamp(2rem, 5vw, 5rem); padding: clamp(2.5rem, 5vw, 4rem) 0; align-items: start; }
.post__body { font-size: 1.1rem; }
.post__body p { font-size: 1.1rem; line-height: 1.75; }
.post__note { font-size: .88rem !important; color: var(--muted-2) !important; padding: 1rem 1.25rem; background: var(--bone); border-radius: 14px; margin-top: 2rem; }
.sticky { position: sticky; top: calc(var(--header-h) + 24px); }
.author { display: flex; gap: 1.25rem; align-items: center; margin-top: 2.5rem; padding: 1.5rem; border: 1px solid var(--line); border-radius: 22px; }
.author img { width: 84px; height: 84px; border-radius: 50%; object-fit: cover; object-position: center top; flex: none; }
.author__name { font-weight: 800; font-size: 1.05rem !important; color: var(--text) !important; margin: 0 !important; }
.author__role { font-size: .9rem !important; margin: .2rem 0 .5rem !important; }
.post__nav { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 2rem; }
.post__nav-link { display: flex; flex-direction: column; gap: .2rem; padding: 1.1rem 1.25rem; border-radius: 18px; border: 1px solid var(--line); transition: background .2s; font-size: .95rem; font-weight: 700; }
.post__nav-link small { font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--teal-3); }
.post__nav-link:hover { background: var(--mist-2); }
.post__nav-link--next { text-align: right; }
.post__aside .card--ink p { margin: .5rem 0 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .rates__grid { grid-template-columns: repeat(3, 1fr); }
  .footer__grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .wgrid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1380px) {
  .nav__link { padding: .6rem .65rem; font-size: .9rem; }
  .header__inner { gap: 1.25rem; }
  .header__phone span { display: none; }
  .header__phone { width: 44px; height: 44px; justify-content: center; border: 1px solid var(--line); border-radius: 50%; }
  .header[data-theme="dark"] .header__phone { border-color: var(--line-light); }
}
@media (max-width: 1180px) {
  :root { --header-h: 76px; }
  .brand__plate { height: 56px; padding: 4px 7px; }
  .nav, .header__phone { display: none; }
  .burger { display: inline-flex; }
  .header__actions { margin-left: auto; }
  .ratesbar__inner { gap: 1rem; }
}
@media (max-width: 960px) {
  .hero__grid, .intro__grid, .split, .lead-band__grid, .overview__grid, .faq__grid, .contact__grid, .apply__grid, .calcblock, .post__grid, .hero--light__grid.has-image, .feature { grid-template-columns: 1fr; }
  .hero--home { min-height: 0; }
  .hero--light__media { max-width: 440px; }
  .overview__aside, .apply__aside, .faq__head, .faqpage__nav { position: static; }
  .faqpage__grid { grid-template-columns: 1fr; }
  .faqpage__nav { flex-direction: row; flex-wrap: wrap; }
  .ocards, .tgrid, .pgrid, .ccards, .wgrid, .timeline { grid-template-columns: repeat(2, 1fr); }
  .tgrid--masonry { columns: 2; }
  .section__head { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .footer__cta { flex-direction: column; align-items: flex-start; }
  .footer__cta-actions { justify-content: flex-start; }
  .intro__media { max-width: 420px; }
  .mobile-bar { display: flex; }
  .footer { padding-bottom: 9rem; }
  .post__aside .sticky { position: static; }
  .ratesbar__item--hide-sm { display: none; }
}
@media (max-width: 640px) {
  body { font-size: 1rem; }
  .rates__grid, .rates__other, .ocards, .tgrid, .pgrid, .ccards, .wgrid, .wgrid--4, .steps, .timeline, .stats, .lead-form__grid, .calc__grid, .calc__out--wide, .post__nav, .footer__grid { grid-template-columns: 1fr; }
  .tgrid--masonry { columns: 1; }
  .header .btn { display: none; }
  .brand__sub { display: none; }
  .brand__plate { height: 52px; }
  .stats { gap: 1.25rem; }
  .hero__grid { padding-top: 2.5rem; }
  .spotlight { padding: 1.5rem; }
  .drawer__head, .drawer__body { padding-left: 1.25rem; padding-right: 1.25rem; }
  .card { border-radius: 20px; }
  .hero__scroll { display: none; }
  .intro__badge { left: 8px; bottom: 16px; padding: .8rem 1rem; }
  .intro__badge-n { font-size: 2rem; }
  .footer__legal { font-size: .74rem; }
  .mobile-menu__group ul { grid-template-columns: 1fr; }
  .timeline { padding-top: 0; }
  .timeline::before { display: none; }
  .timeline li::before { display: none; }
  .timeline li { padding-left: 1.25rem; border-left: 2px solid var(--gold); }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .hero__bg img { transform: none; }
}
@media print {
  .ratesbar, .header, .mobile-bar, .drawer, .drawer-backdrop, .footer__cta, .lead-band, .marquee { display: none !important; }
}