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

/* ============================================================
   KORTNEY DARIUS | Mortgage Loan Officer — shared stylesheet
   Fonts: General Sans 600 (display, fintech semi-bold) + Satoshi (body)
   Palette: white / blue / navy + metallic silver accent — light theme
   Built on the Ike Darius / Jamal Darius component base.
   ============================================================ */

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

  --bg: #ffffff;
  --bg-soft: #f3f6fb;
  --surface: #ffffff;
  --surface-2: #e9f0fb;
  --border: #dbe3ef;

  --ink: #0b1a33;
  --ink-soft: #2c3b55;
  --ink-muted: #56667f;
  --ink-faint: #7d8aa0;

  --blue-1: #0a3b8f;
  --blue-2: #1f6fe8;
  --blue-3: #6fb1ff;
  --navy: #061634;
  --navy-2: #0b2150;

  --silver-1: #f2f5f9;
  --silver-2: #d6dde7;
  --silver-3: #aab5c4;
  --silver-4: #7c889a;
  --silver-grad: linear-gradient(115deg, #ffffff 0%, #c9d2de 24%, #f6f8fb 46%, #a3afbf 70%, #e7ecf2 100%);
  --silver-text: linear-gradient(100deg, #ffffff 0%, #dfe5ee 22%, #9fadc0 42%, #ffffff 58%, #c3ccd9 78%, #ffffff 100%);

  --glow: rgba(31,111,232,0.22);
  --shadow: 0 22px 46px -22px rgba(10,40,100,0.28);
  --shadow-lg: 0 40px 80px -36px rgba(6,22,52,0.45);
  color-scheme: light;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
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: 1.5; -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; }
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: 1180px; 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; }

/* Metallic silver text — slow sheen on dark backgrounds */
.silver-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 { background: linear-gradient(115deg, var(--blue-1), var(--blue-2) 60%); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ===== Reveal ===== */
.js-reveal .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease-out, transform .6s cubic-bezier(.22,.9,.4,1); }
.js-reveal .reveal.is-visible { opacity: 1; transform: none; }
/* Staggered blur-to-sharp children (JS sets --i). Uses the individual `translate`
   property so a card's hover `transform` never inherits the stagger delay. */
.js-reveal .stagger > * { opacity: 0; translate: 0 18px; filter: blur(6px); transition: opacity .6s ease, translate .6s cubic-bezier(.22,.61,.36,1), filter .6s ease, transform .45s cubic-bezier(.22,.9,.4,1), box-shadow .45s ease, border-color .35s ease, background .35s ease; transition-delay: calc(var(--i, 0) * 80ms), calc(var(--i, 0) * 80ms), calc(var(--i, 0) * 80ms), 0s, 0s, 0s, 0s; }
.js-reveal .stagger.is-visible > *, .js-reveal .is-visible .stagger > * { opacity: 1; translate: none; filter: blur(0); }
.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; filter: none; transition: none; }
}

/* ===== Buttons — no literal numbers in labels, ever ===== */
.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: 0.92rem; 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), border-color .25s ease, color .3s ease; cursor: pointer; border: 1px solid transparent; white-space: nowrap; }
.btn:active { transform: scale(0.97); }
/* Gradient starts under the border, or the 1px transparent border tiles the opposite end down each side. */
.btn, [class*="btn-"] { background-origin: border-box !important; }
.btn-primary { background-image: linear-gradient(120deg, #4590ff, var(--blue-2) 48%, var(--blue-1)); border: none; color: #fff; box-shadow: 0 14px 30px -12px var(--glow); }
.btn-primary::after, .btn-silver::after { content: ''; position: absolute; top: 0; left: -120%; width: 55%; height: 100%; z-index: -1; background: linear-gradient(115deg, transparent, rgba(255,255,255,0.55), transparent); transform: skewX(-20deg); pointer-events: none; }
.btn-primary:hover::after, .btn-silver:hover::after { animation: btn-shine .85s ease; }
@keyframes btn-shine { from { left: -120%; } to { left: 130%; } }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 20px 40px -12px rgba(31,111,232,0.45); }
/* Metallic silver CTA — navy ink keeps contrast > 10:1 */
.btn-silver { background-image: var(--silver-grad); background-size: 160% 100%; background-position: 0% 50%; border: none; color: var(--navy); box-shadow: 0 14px 32px -14px rgba(0,0,0,0.5), inset 0 1px 0 rgba(255,255,255,0.9), inset 0 -1px 0 rgba(120,135,155,0.35); transition: transform .25s ease, box-shadow .25s ease, background-position .6s ease; }
.btn-silver:hover { transform: translateY(-2px); background-position: 100% 50%; box-shadow: 0 22px 42px -14px rgba(0,0,0,0.55), 0 0 0 4px rgba(214,221,231,0.18), inset 0 1px 0 #fff; }
/* Outline buttons: a solid fill sweeps in from the left. Contexts set only variables, never `color`. */
.btn-outline { --fill: var(--blue-2); --on-fill: #fff; 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 var(--glow); }
.btn-on-dark { --fill: #fff; --on-fill: var(--navy); --btn-ink: #fff; --btn-line: rgba(255,255,255,0.5); background-color: rgba(255,255,255,0.06); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.btn-block { width: 100%; }
.btn-lg { padding: 18px 34px; font-size: 0.98rem; }
.btn-sm { padding: 11px 19px; font-size: 0.82rem; }
.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 { animation: none; } }

/* ===== Nav ===== */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 14px 0; background: rgba(255,255,255,0.86); backdrop-filter: blur(18px) saturate(1.4); -webkit-backdrop-filter: blur(18px) saturate(1.4); border-bottom: 1px solid var(--border); transition: background .35s ease, border-color .35s ease, padding .35s ease; }
.nav.nav--hero-transparent { background: transparent; backdrop-filter: none; -webkit-backdrop-filter: none; border-bottom-color: transparent; padding: 20px 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 { flex: none; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; font-family: var(--font-head); font-weight: 700; font-size: 14px; letter-spacing: 0.02em; color: var(--navy); background-image: var(--silver-grad); background-size: 160% 100%; box-shadow: inset 0 1px 0 #fff, inset 0 -1px 0 rgba(120,135,155,0.4), 0 6px 16px -8px rgba(6,22,52,0.5); transition: background-position .6s ease, transform .4s cubic-bezier(.34,1.56,.64,1); }
.nav-logo:hover .nav-mark { background-position: 100% 50%; transform: rotate(-6deg); }
.nav-word { display: flex; flex-direction: column; line-height: 1; font-family: var(--font-head); font-weight: 700; font-size: 1rem; letter-spacing: 0.04em; }
.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); white-space: nowrap; transition: color .3s ease; }
.nav-links { display: none; align-items: center; gap: 24px; font-size: 0.9rem; font-weight: 500; color: var(--ink-soft); }
.nav-links > a, .nav-drop-top { position: relative; display: inline-flex; align-items: center; gap: 5px; padding: 6px 0; 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(--blue-2); 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 { color: var(--blue-2); }
.nav-links > a:hover::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: 264px; padding: 8px; border-radius: 18px; background: rgba(255,255,255,0.97); border: 1px solid var(--border); box-shadow: 0 30px 60px -24px rgba(6,22,52,0.35); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); opacity: 0; visibility: hidden; transform: translate(-50%, 8px); transition: opacity .22s ease, transform .22s ease, visibility 0s linear .22s; }
.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: block; padding: 11px 14px; border-radius: 12px; transition: background .2s ease; }
.nav-drop-menu a:hover { background: var(--bg-soft); }
.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 { display: block; margin-top: 2px; font-size: 12.5px; color: var(--ink-muted); }
.nav--hero-transparent .nav-logo { color: #fff; }
.nav--hero-transparent .nav-word small { color: var(--silver-2); }
.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-links > a::after, .nav--hero-transparent .nav-drop-top::after { background: var(--silver-2); }
.nav--hero-transparent .nav-logo, .nav--hero-transparent .nav-links { text-shadow: 0 1px 8px rgba(0,0,0,0.35); }
.nav-right { display: flex; align-items: center; gap: 10px; }
.lang-toggle-btn { width: 40px; height: 40px; min-width: 40px; padding: 0; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-head); font-weight: 600; font-size: 11.5px; letter-spacing: 0.04em; background: rgba(31,111,232,0.08); border: 1px solid rgba(31,111,232,0.22); color: var(--blue-1); backdrop-filter: blur(10px) saturate(1.3); -webkit-backdrop-filter: blur(10px) saturate(1.3); transition: background .25s ease, border-color .25s ease, color .25s ease, transform .25s ease; }
@media (hover: hover) { .lang-toggle-btn:hover { background: rgba(31,111,232,0.16); border-color: var(--blue-2); transform: translateY(-1px); } }
.nav--hero-transparent .lang-toggle-btn { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.38); color: #fff; box-shadow: inset 0 1px 0 rgba(255,255,255,0.25); }
.nav-toggle { width: 40px; height: 40px; min-width: 40px; padding: 0; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--border); background: var(--surface); color: var(--ink); }
.nav--hero-transparent .nav-toggle { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.38); color: #fff; }
@media (min-width: 1140px) { .nav-links { display: flex; } .nav-toggle { display: none; } }
@media (max-width: 640px) { .nav-right > .lang-toggle-btn, .nav-right > .nav-cta { display: none; } .nav-word { font-size: 0.92rem; } }
.nav-mobile { position: fixed; top: 74px; right: 14px; left: 14px; z-index: 99; max-height: calc(100dvh - 96px); overflow-y: auto; background: rgba(255,255,255,0.97); backdrop-filter: blur(24px) saturate(1.6); -webkit-backdrop-filter: blur(24px) saturate(1.6); border: 1px solid var(--border); 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; }
.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: 10px 0 12px; 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 { 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-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: 1140px) { .nav-mobile { display: none; } }

/* ===== Hero — JD Lendings translucent recipe (navy tone) over a softly blurred photo ===== */
.hero { position: relative; min-height: 100vh; min-height: 100svh; display: flex; align-items: center; padding: 132px 0 80px; overflow: hidden; isolation: isolate; background: var(--navy); }
.hero-bg-scene { position: absolute; inset: -6%; z-index: 0; background: url('/assets/hero-home.jpg') center 60% / cover no-repeat; filter: blur(3px) saturate(1.06); animation: hero-ken-burns 30s ease-in-out infinite alternate; will-change: transform; }
@keyframes hero-ken-burns { from { transform: scale(1); } to { transform: scale(1.12); } }
.hero-bg-overlay { position: absolute; inset: 0; z-index: 1; background: linear-gradient(0deg, rgba(5,14,34,0.74) 0%, rgba(5,14,34,0.47) 45%, rgba(5,14,34,0.27) 100%), rgba(5,14,34,0.14); }
.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: 1.1fr 0.9fr; } }
.hero-copy h1 { font-size: clamp(2.6rem, 5.4vw, 4.3rem); color: #fff; margin-bottom: 22px; letter-spacing: -0.03em; 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 .silver-text { text-shadow: none; filter: drop-shadow(0 2px 14px rgba(0,0,0,0.35)); }
.hw { display: inline-block; opacity: 0; transform: translateY(0.6em) rotate(2deg); animation: hw-rise .8s cubic-bezier(.2,.7,.2,1) forwards; animation-delay: calc(0.12s + var(--w, 0) * 60ms); }
.hw.silver-text { animation: hw-rise .8s cubic-bezier(.2,.7,.2,1) forwards, silver-sheen 7s ease-in-out infinite; animation-delay: calc(0.12s + var(--w, 0) * 60ms), 1.4s; }
@keyframes hw-rise { to { opacity: 1; transform: none; } }
@keyframes hero-in { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: none; } }
.hero-copy .lede { font-size: 1.1rem; line-height: 1.68; color: rgba(255,255,255,0.88); margin-bottom: 32px; max-width: 540px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .35s both; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 38px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .45s both; }
.hero-points { display: flex; align-items: stretch; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .55s both; }
.hero-point { padding: 2px 24px; border-left: 1px solid rgba(255,255,255,0.24); }
.hero-point:first-child { padding-left: 0; border-left: none; }
.hero-point b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 1.02rem; color: #fff; letter-spacing: -0.01em; }
.hero-point span { display: block; margin-top: 4px; font-size: 0.8rem; color: rgba(255,255,255,0.72); }
/* Powered-by JD lockup (Sam / Iverson pattern) */
.hero-license { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 16px; margin-top: 34px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.16); font-size: 12px; font-weight: 600; letter-spacing: 0.04em; color: rgba(255,255,255,0.72); animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .65s 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(255,255,255,0.6); }
.powered-by img { height: 30px; width: auto; }
.hero-license .sep { width: 1px; height: 22px; background: rgba(255,255,255,0.25); }

.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-in 1s cubic-bezier(.2,.7,.2,1) .15s both; }
.hero-card-float { position: relative; width: min(100%, 380px); 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(255,255,255,0.38); background: linear-gradient(160deg, rgba(255,255,255,0.22), 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(255,255,255,0.35); 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 80% 6%, rgba(214,221,231,0.28), transparent 70%), radial-gradient(ellipse 70% 50% at 10% 100%, rgba(31,111,232,0.3), transparent 70%); }
.hero-card-shade { position: absolute; inset: auto 0 0 0; height: 52%; z-index: 1; pointer-events: none; background: linear-gradient(0deg, rgba(3,8,20,0.92) 0%, rgba(3,8,20,0.66) 24%, rgba(3,8,20,0.28) 54%, rgba(3,8,20,0) 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(255,255,255,0.32) 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: -22%; z-index: 0; width: 120%; aspect-ratio: 1; border-radius: 50%; border: 1px dashed rgba(214,221,231,0.5); 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: #fff; box-shadow: 0 0 0 5px rgba(214,221,231,0.22), 0 0 22px rgba(255,255,255,0.9); }
@keyframes ring-spin { to { transform: translateX(-50%) rotate(360deg); } }
.hc-photo { position: absolute; left: 50%; bottom: 0; z-index: 1; height: 94%; width: auto; max-width: none; transform: translateX(-50%); object-fit: contain; object-position: bottom; filter: drop-shadow(0 30px 40px rgba(0,0,0,0.45)); -webkit-mask-image: linear-gradient(180deg, #000 82%, transparent 100%); mask-image: linear-gradient(180deg, #000 82%, transparent 100%); }
.hero-card-tag { position: absolute; left: 16px; right: 16px; bottom: 16px; z-index: 2; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 16px; border-radius: 18px; background: rgba(8,11,18,0.5); border: 1px solid rgba(255,255,255,0.18); 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(--silver-2); }
.hero-card-tag em { flex: none; font-style: normal; font-size: 11px; font-weight: 700; letter-spacing: 0.04em; color: var(--navy); padding: 7px 10px; border-radius: 100px; background-image: var(--silver-grad); }
.float-card { position: absolute; z-index: 4; display: flex; align-items: center; gap: 10px; padding: 10px 15px 10px 10px; border-radius: 14px; background: rgba(6,22,52,0.52); 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(--silver-grad); color: var(--navy); }
.float-card .fc-icon svg { width: 16px; height: 16px; }
.float-card .fc-icon.fc-blue { background-image: linear-gradient(135deg, #4590ff, var(--blue-1)); color: #fff; }
.float-1 { top: -18px; left: -34px; animation: card-float 7s ease-in-out .6s infinite; }
.float-2 { bottom: 26%; right: -44px; animation: card-float 8s ease-in-out 1.2s infinite; }
/* Desktop: the visual box hugs the card, so the badges are offset from the CARD, not the wider
   column — otherwise the right badge ran past the window on screens up to ~1180px wide. */
@media (min-width: 980px) { .hero-visual { width: min(100%, 380px); justify-self: center; } .float-2 { bottom: 33%; } }
@media (min-width: 980px) and (max-width: 1100px) { .float-1 { left: -16px; } .float-2 { right: -16px; } }
.hero-scroll-cue { position: absolute; left: 50%; bottom: 22px; transform: translateX(-50%); z-index: 3; display: flex; flex-direction: column; align-items: center; gap: 6px; color: rgba(255,255,255,0.6); 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-width: 979px) {
  .hero { padding: 104px 0 64px; }
  .hero .wrap { justify-items: center; gap: 38px; }
  .hero-visual { order: -1; }
  .hero-copy { text-align: center; width: 100%; max-width: 580px; }
  .hero-copy .lede { margin-left: auto; margin-right: auto; }
  .hero-actions, .hero-points, .hero-license { justify-content: center; }
  .hero-point:first-child { padding-left: 24px; }
  .hero-card-float { width: min(300px, 74vw); }
  .float-1 { left: -14px; } .float-2 { right: -14px; }
  .hero-scroll-cue { display: none; }
  /* portrait first, then the copy */
  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-points { animation-delay: 1.05s; }
  .hero-license { animation-delay: 1.15s; }
}
@media (max-width: 560px) {
  .hero-actions .btn { flex: 1 1 100%; }
  .hero-points { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .hero-point, .hero-point:first-child { padding: 0 8px; }
  .hero-point b { font-size: 0.88rem; } .hero-point span { font-size: 0.7rem; line-height: 1.35; }
  .hero-card-tag { flex-direction: column; align-items: flex-start; gap: 8px; left: 12px; right: 12px; bottom: 12px; }
  .float-2 { bottom: 36%; }
  .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: -6px; } .float-2 { right: -6px; }
  .hero-license .sep { display: none; }
}
@media (prefers-reduced-motion: reduce) { .hero-bg-scene, .hero-card-float, .float-card, .hero-card-ring, .hero-card::after { animation: none !important; } .hw { opacity: 1; transform: none; animation: none; } }

/* ===== Section shared ===== */
/* Page-level sections only — nested <section>s (funnel steps) must not inherit this padding */
main > section.tight { padding: 96px 0; }
main > section:not(.tight) { padding: 112px 0; }
@media (max-width: 760px) { main > section.tight { padding: 70px 0; } main > section:not(.tight) { padding: 78px 0; } }
.bg-soft { background: var(--bg-soft); }
.section-head { max-width: 680px; margin-bottom: 54px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.95rem, 3.5vw, 2.65rem); margin: 16px 0 16px; }
.section-head h2::after { content: ''; display: block; width: 46px; height: 3px; border-radius: 3px; margin: 16px 0 0; background: linear-gradient(90deg, var(--blue-2), var(--silver-3)); transform: scaleX(0); transform-origin: left; transition: transform .7s 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: 1.02rem; }
.section-head.on-dark h2 { color: #fff; }
.section-head.on-dark h2::after { background: var(--silver-grad); }
.section-head.on-dark p { color: rgba(255,255,255,0.76); }
.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(--blue-2); box-shadow: 0 0 8px var(--glow); }
.eyebrow-dark { color: var(--silver-1); background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.2); }
.eyebrow-dark::before { background: #fff; box-shadow: 0 0 10px rgba(255,255,255,0.8); }
.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: #fff; box-shadow: 0 0 10px #fff; 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); } }

/* ===== Why Kortney — spotlight cards ===== */
.why-section { overflow: hidden; }
.why-section::before { content: ''; position: absolute; inset: 0; pointer-events: none; background-image: radial-gradient(rgba(31,111,232,0.08) 1px, transparent 1px); background-size: 24px 24px; -webkit-mask-image: radial-gradient(ellipse 70% 55% at 50% 45%, #000 20%, transparent 75%); mask-image: radial-gradient(ellipse 70% 55% at 50% 45%, #000 20%, transparent 75%); }
.why-section .wrap { position: relative; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 1040px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; gap: 14px; } }
.why-card { --mx: 50%; --my: 50%; position: relative; isolation: isolate; overflow: hidden; padding: 30px 26px 28px; border-radius: 24px; background: var(--surface); border: 1px solid var(--border); text-align: center; }
/* border ring that lights up under the cursor (mask keeps only the 1px edge) */
.why-card::before { content: ''; position: absolute; inset: 0; z-index: 1; border-radius: inherit; padding: 1px; pointer-events: none; background: radial-gradient(240px circle at var(--mx) var(--my), var(--blue-2), var(--silver-3) 40%, transparent 70%); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask: linear-gradient(#000 0 0) content-box exclude, linear-gradient(#000 0 0); opacity: 0; transition: opacity .35s ease; }
.why-card::after { content: ''; position: absolute; inset: 0; z-index: -1; pointer-events: none; background: radial-gradient(320px circle at var(--mx) var(--my), rgba(31,111,232,0.1), transparent 65%); opacity: 0; transition: opacity .35s ease; }
.why-card:hover { transform: translateY(-6px); box-shadow: 0 30px 60px -32px rgba(10,40,100,0.45); }
.why-card:hover::before, .why-card:hover::after { opacity: 1; }
@media (hover: none) { .why-card:active::before { opacity: 1; } }
.why-icon { width: 58px; height: 58px; margin: 0 auto 20px; border-radius: 18px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #4590ff, var(--blue-1)); box-shadow: 0 14px 28px -12px var(--glow); transition: transform .5s cubic-bezier(.34,1.56,.64,1); }
.why-icon svg { width: 26px; height: 26px; }
.why-card:hover .why-icon { transform: rotate(-10deg) scale(1.08); }
.why-num { position: absolute; top: 18px; right: 20px; font-family: var(--font-head); font-size: 12px; font-weight: 600; letter-spacing: 0.1em; color: var(--silver-3); }
.why-card h3 { font-size: 19px; margin-bottom: 10px; }
.why-card p { font-size: 14.5px; line-height: 1.62; color: var(--ink-muted); }
.why-strip { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 30px; margin-top: 40px; }
.why-strip li { display: inline-flex; align-items: center; gap: 9px; font-family: var(--font-head); font-weight: 500; font-size: 15px; color: var(--ink-soft); }
.why-strip svg { width: 22px; height: 22px; padding: 4px; border-radius: 50%; color: var(--blue-2); background: var(--surface-2); }

/* ===== Down payment assistance — navy band ===== */
.dpa-section { overflow: hidden; color: #fff; background: radial-gradient(ellipse 70% 60% at 85% 0%, rgba(31,111,232,0.32), transparent 65%), radial-gradient(ellipse 60% 50% at 0% 100%, rgba(214,221,231,0.1), transparent 65%), linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, #0a2a66 100%); }
.dpa-grid-bg { position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px); background-size: 48px 48px; -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 40%, #000 25%, transparent 80%); mask-image: radial-gradient(ellipse 80% 70% at 50% 40%, #000 25%, transparent 80%); }
.dpa-section .wrap { position: relative; }
.dpa-grid { display: grid; grid-template-columns: 1fr; gap: 48px; align-items: center; }
@media (min-width: 980px) { .dpa-grid { grid-template-columns: 1.05fr 0.95fr; gap: 64px; } }
.dpa-visual { position: relative; padding-bottom: 170px; }
.dpa-photo { aspect-ratio: 4 / 3; border-radius: 28px; background: var(--photo) center 45% / cover no-repeat; box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,0.14); }
.gap-card { position: absolute; left: 6%; right: 6%; bottom: 0; padding: 22px 24px 18px; border-radius: 22px; background: rgba(9,20,46,0.74); border: 1px solid rgba(255,255,255,0.2); backdrop-filter: blur(16px) saturate(1.3); -webkit-backdrop-filter: blur(16px) saturate(1.3); box-shadow: 0 30px 60px -28px rgba(0,0,0,0.7), inset 0 1px 0 rgba(255,255,255,0.12); }
.gap-top { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; }
.gap-kicker { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--silver-3); }
.gap-toggle { position: relative; display: inline-grid; grid-template-columns: 1fr 1fr; padding: 4px; border-radius: 100px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); }
.gap-toggle button { position: relative; z-index: 1; padding: 8px 14px; border-radius: 100px; font-size: 12.5px; font-weight: 700; color: rgba(255,255,255,0.75); white-space: nowrap; transition: color .3s ease; }
.gap-toggle button.is-on { color: var(--navy); }
.gap-toggle-ink { position: absolute; top: 4px; bottom: 4px; left: 4px; width: calc(50% - 4px); border-radius: 100px; background-image: var(--silver-grad); box-shadow: 0 6px 16px -8px rgba(0,0,0,0.6); 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: 18px 0 12px; }
.gap-label { font-size: 13.5px; color: rgba(255,255,255,0.74); }
.gap-amount { font-family: var(--font-head); font-weight: 600; font-size: clamp(2rem, 4vw, 2.6rem); letter-spacing: -0.03em; line-height: 1; font-variant-numeric: tabular-nums; }
.gap-dollar { font-size: .6em; color: var(--silver-3); margin-right: 2px; }
.gap-bar { position: relative; display: flex; height: 12px; border-radius: 12px; overflow: hidden; background: rgba(255,255,255,0.08); }
.gap-bar i { display: block; height: 100%; transition: flex-basis .9s cubic-bezier(.22,.9,.3,1); }
.gap-you { flex: 0 0 100%; background: linear-gradient(90deg, #4590ff, var(--blue-2)); }
.gap-help { flex: 0 0 0%; background-image: var(--silver-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; flex-wrap: wrap; gap: 8px 18px; margin-top: 12px; font-size: 12px; color: rgba(255,255,255,0.72); }
.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-image: var(--silver-grad); }
.gap-note { margin-top: 12px; font-size: 11.5px; line-height: 1.5; color: rgba(255,255,255,0.55); }
.dpa-list { list-style: none; display: grid; gap: 14px; }
.dpa-list li { display: grid; grid-template-columns: auto 1fr; gap: 18px; padding: 22px 22px 20px; border-radius: 20px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); }
.dpa-list li:hover { transform: translateX(6px); background: rgba(255,255,255,0.08); border-color: rgba(214,221,231,0.35); }
.dpa-icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; color: var(--navy); background-image: var(--silver-grad); box-shadow: inset 0 1px 0 #fff; }
.dpa-icon svg { width: 21px; height: 21px; }
.dpa-list h3 { font-size: 18px; color: #fff; margin-bottom: 6px; }
.dpa-list p { font-size: 14.5px; line-height: 1.62; color: rgba(255,255,255,0.76); }
.dpa-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
@media (max-width: 979px) { .dpa-ctas { justify-content: center; } }
@media (max-width: 560px) {
  .dpa-visual { padding-bottom: 0; }
  .gap-card { position: relative; left: auto; right: auto; margin: -64px 10px 0; padding: 18px 16px 14px; }
  .gap-top { flex-direction: column; align-items: flex-start; }
  .gap-toggle { width: 100%; }
  .gap-toggle button { padding: 9px 8px; }
  .dpa-list li { padding: 18px 16px; gap: 14px; }
  .dpa-ctas .btn { flex: 1 1 100%; }
}

/* ===== About — layered photo + quote card + fact list ===== */
@property --ring-angle { syntax: '<angle>'; inherits: false; initial-value: 0deg; }
@keyframes glow-ring-spin { to { --ring-angle: 360deg; } }
.about-section { overflow: hidden; background: var(--bg); }
.about-ghost { position: absolute; right: -2vw; bottom: -0.18em; z-index: 0; font-family: var(--font-head); font-weight: 700; font-size: clamp(160px, 24vw, 340px); line-height: 1; letter-spacing: -0.06em; color: transparent; -webkit-text-stroke: 1px rgba(31,111,232,0.13); pointer-events: none; user-select: none; }
.about-wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr; gap: 60px; align-items: center; }
@media (min-width: 940px) { .about-wrap { grid-template-columns: 0.86fr 1.14fr; gap: 76px; } }
.about-visual { position: relative; width: min(440px, 100%); margin: 0 auto 40px; }
@media (min-width: 940px) { .about-visual { margin: 0; } }
.about-frame { position: absolute; top: 22px; left: -22px; right: 22px; bottom: -22px; border-radius: 28px; background: linear-gradient(160deg, var(--silver-1), var(--surface-2)); border: 1px solid var(--border); z-index: 0; transform: translate(10px, 10px); opacity: 0; transition: transform .9s cubic-bezier(.22,.9,.4,1) .15s, opacity .9s ease .15s; }
.about-section.is-visible .about-frame, html:not(.js-reveal) .about-frame { transform: none; opacity: 1; }
.about-photo-mask { position: relative; z-index: 1; border-radius: 26px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 30px 60px -32px rgba(10,40,100,0.4); clip-path: inset(0 0 100% 0 round 26px); transition: clip-path 1s cubic-bezier(.22,.9,.4,1); }
.about-section.is-visible .about-photo-mask, html:not(.js-reveal) .about-photo-mask { clip-path: inset(0 0 0 0 round 26px); }
.about-photo-mask img { width: 100%; height: auto; aspect-ratio: 4/5; object-fit: cover; object-position: 50% 20%; transform: scale(1.1); transition: transform 1.4s cubic-bezier(.22,.9,.4,1); }
.about-section.is-visible .about-photo-mask img { transform: scale(1); }
.about-section.is-visible .about-chip { position: absolute; z-index: 2; top: 18px; left: 18px; display: inline-flex; align-items: center; gap: 7px; padding: 9px 13px; border-radius: 100px; background: rgba(6,22,52,0.66); border: 1px solid rgba(255,255,255,0.22); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); color: #fff; font-size: 12px; font-weight: 700; letter-spacing: 0.04em; opacity: 0; transform: translateY(-8px); transition: opacity .6s ease .7s, transform .6s ease .7s; }
.about-chip svg { width: 14px; height: 14px; color: var(--silver-2); }
.about-section.is-visible .about-chip, html:not(.js-reveal) .about-chip { opacity: 1; transform: none; }
.about-quote { position: absolute; z-index: 3; right: -34px; bottom: -30px; width: min(290px, 80%); margin: 0; padding: 22px 24px 20px; border-radius: 20px; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 30px 60px -24px rgba(10,40,100,0.45), 0 6px 18px -8px rgba(10,40,100,0.18); opacity: 0; transform: translateY(18px); transition: opacity .7s ease .55s, transform .7s cubic-bezier(.22,.9,.4,1) .55s; }
.about-section.is-visible .about-quote, html:not(.js-reveal) .about-quote { opacity: 1; transform: none; }
.about-quote-mark { position: absolute; top: 4px; left: 18px; font-family: var(--font-head); font-size: 64px; line-height: 1; color: var(--silver-3); }
.about-quote blockquote { position: relative; margin: 14px 0 0; font-family: var(--font-head); font-weight: 600; font-size: 19px; line-height: 1.3; color: var(--ink); letter-spacing: -0.01em; }
.about-quote figcaption { margin-top: 12px; font-size: 11.5px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue-2); display: flex; align-items: center; gap: 8px; }
.about-quote figcaption::before { content: ''; width: 18px; height: 2px; border-radius: 2px; background: var(--silver-3); }
@media (max-width: 520px) { .about-quote { right: 8px; bottom: -26px; padding: 18px 18px 16px; } .about-frame { left: -10px; right: 10px; } .about-ghost { font-size: 150px; right: -6vw; } }
.about-copy h2 { margin-top: 16px; font-size: clamp(1.85rem, 3.2vw, 2.45rem); }
.about-copy > p { margin-top: 18px; color: var(--ink-muted); line-height: 1.75; max-width: 580px; }
.about-facts { list-style: none; margin: 30px 0 0; padding: 0; max-width: 580px; }
.about-facts li { display: flex; align-items: center; gap: 16px; padding: 16px 0; border-top: 1px solid var(--border); }
.about-facts li:last-child { border-bottom: 1px solid var(--border); }
.about-facts li:hover { transform: translateX(6px); }
.about-fact-icon { flex: none; width: 46px; height: 46px; border-radius: 14px; background-image: linear-gradient(135deg, #4590ff, var(--blue-1)); color: #fff; display: grid; place-items: center; box-shadow: 0 10px 22px -10px var(--glow); transition: transform .45s cubic-bezier(.34,1.56,.64,1); }
.about-fact-icon svg { width: 20px; height: 20px; }
.about-facts li:hover .about-fact-icon { transform: rotate(-8deg) scale(1.08); }
.about-facts b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 15.5px; color: var(--ink); }
.about-facts div span { display: block; margin-top: 3px; font-size: 13.5px; color: var(--ink-muted); line-height: 1.5; }
.about-foot { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; margin-top: 28px; max-width: 580px; }
.social-icons { display: flex; gap: 10px; }
.social-icon { width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--border); display: grid; place-items: center; color: var(--ink-muted); background: var(--surface); transition: border-color .25s ease, color .25s ease, transform .35s cubic-bezier(.34,1.56,.64,1), background .25s ease, box-shadow .25s ease; }
.social-icon:hover { border-color: var(--blue-2); color: #fff; background: linear-gradient(135deg, #4590ff, var(--blue-1)); transform: translateY(-4px) scale(1.08); box-shadow: 0 12px 24px -10px var(--glow); }
@media (max-width: 939px) { .about-copy { text-align: center; } .about-copy > p, .about-facts, .about-foot { margin-left: auto; margin-right: auto; } .about-facts li { text-align: left; } .about-foot { justify-content: center; } }
@media (prefers-reduced-motion: reduce) { .about-photo-mask { clip-path: none; } .about-photo-mask img { transform: none; } .about-frame, .about-chip, .about-quote { opacity: 1; transform: none; transition: none; } }
/* Shared 3D tilt + cursor glare (JS sets --gx/--gy and .is-tilting) */
.tilt-3d { will-change: transform; }

/* ===== Process — stacking cards: each card pins, the next slides over and the
   previous one shrinks back (JS sets --s / --dim from scroll). ===== */
.process-section { overflow: clip; }
.stack { list-style: none; display: grid; gap: 28px; padding-bottom: 6vh; }
.stack-card { --s: 1; --dim: 0; position: sticky; top: calc(104px + var(--i) * 14px); display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; min-height: 400px; border-radius: 30px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 -18px 40px -28px rgba(6,22,52,0.25), 0 34px 70px -40px rgba(6,22,52,0.45); transform: scale(var(--s)); transform-origin: 50% 0; will-change: transform; }
.stack-card::after { content: ''; position: absolute; inset: 0; pointer-events: none; border-radius: inherit; background: var(--navy); opacity: calc(var(--dim) * 0.28); }
.stack-card:nth-child(even) { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 70%, #0a2a66 100%); border-color: rgba(255,255,255,0.08); }
.stack-card:nth-child(even) h3 { color: #fff; }
.stack-card:nth-child(even) p { color: rgba(255,255,255,0.76); }
.stack-card:nth-child(even) .stack-kicker b { color: #fff; }
.stack-card:nth-child(even) .stack-kicker > span { color: rgba(255,255,255,0.45); }
.stack-card:nth-child(even) .stack-kicker em { color: var(--navy); background-image: var(--silver-grad); border-color: transparent; }
.stack-card:nth-child(even) .stack-chips li { color: #fff; background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.16); }
.stack-copy { position: relative; display: flex; flex-direction: column; justify-content: center; padding: 48px 48px 44px; }
.stack-kicker { display: flex; align-items: baseline; gap: 10px; margin-bottom: 22px; }
.stack-kicker b { font-family: var(--font-head); font-weight: 600; font-size: 56px; line-height: .9; letter-spacing: -0.04em; color: var(--ink); }
.stack-kicker > span { font-family: var(--font-head); font-weight: 600; font-size: 15px; color: var(--silver-3); }
.stack-kicker em { margin-left: auto; align-self: center; font-style: normal; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue-2); padding: 7px 12px; border-radius: 100px; background: var(--surface-2); border: 1px solid var(--border); white-space: nowrap; }
.stack-copy h3 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin-bottom: 12px; }
.stack-copy p { font-size: 15.5px; line-height: 1.7; color: var(--ink-muted); max-width: 460px; }
.stack-chips { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin-top: 22px; }
.stack-chips li { font-size: 12.5px; font-weight: 600; color: var(--ink-soft); padding: 7px 12px; border-radius: 100px; background: var(--bg-soft); border: 1px solid var(--border); }
.stack-photo { position: relative; overflow: hidden; margin: 14px 14px 14px 0; border-radius: 22px; }
.stack-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s cubic-bezier(.22,.9,.3,1); }
.stack-card:hover .stack-photo img { transform: scale(1.05); }
@media (max-width: 860px) {
  .stack { gap: 20px; }
  .stack-card { top: calc(86px + var(--i) * 10px); grid-template-columns: 1fr; min-height: 0; border-radius: 24px; }
  .stack-photo { order: -1; margin: 10px 10px 0; height: 190px; border-radius: 18px; }
  .stack-copy { padding: 22px 22px 26px; }
  .stack-kicker { margin-bottom: 12px; }
  .stack-kicker b { font-size: 40px; }
  .stack-copy p { font-size: 14.5px; }
  .stack-chips { margin-top: 16px; }
}
@media (max-height: 640px) and (max-width: 860px) { .stack-photo { height: 140px; } }
@media (prefers-reduced-motion: reduce) { .stack-card { position: relative; top: auto; transform: none; } .stack-card::after { display: none; } }

/* ===== Get Pre-Qualified panel — translucent blurred photo, floating glass frame, depth tilt ===== */
.leads-panel { position: relative; border-radius: 30px; padding: 70px 46px; text-align: center; max-width: 980px; margin: 0 auto; background: #10141c; border: 1px solid rgba(255,255,255,0.22); box-shadow: 0 40px 80px -34px rgba(0,0,0,0.55); isolation: isolate; transform-style: preserve-3d; }
.leads-bg { position: absolute; inset: 0; z-index: 0; border-radius: inherit; overflow: hidden; pointer-events: none; }
.leads-photo { position: absolute; inset: -5%; background: var(--photo) center 45% / cover no-repeat; filter: blur(3px) saturate(1.06); animation: leads-kb 24s ease-in-out infinite alternate; will-change: transform; }
@keyframes leads-kb { from { transform: scale(1); } to { transform: scale(1.1) translate(-1.5%, -1%); } }
.leads-scrim { position: absolute; inset: 0; background: linear-gradient(0deg, rgba(6,14,32,0.7) 0%, rgba(6,14,32,0.46) 48%, rgba(6,14,32,0.32) 100%), rgba(6,14,32,0.12); }
.leads-glare { position: absolute; inset: 0; opacity: 0; background: radial-gradient(520px circle at var(--gx, 50%) var(--gy, 50%), rgba(255,255,255,0.2), rgba(255,255,255,0) 45%); transition: opacity .35s ease; }
.leads-panel.is-tilting .leads-glare { opacity: 1; }
.leads-bg::after { content: ''; position: absolute; top: -30%; bottom: -30%; left: 0; width: 28%; background: linear-gradient(100deg, rgba(255,255,255,0) 0%, rgba(255,255,255,0.07) 35%, rgba(255,255,255,0.2) 50%, rgba(255,255,255,0.07) 65%, rgba(255,255,255,0) 100%); transform: translate3d(-160%,0,0) skewX(-18deg); animation: leads-streak 8s cubic-bezier(.45,.05,.25,1) 1.2s infinite; }
@keyframes leads-streak { 0% { transform: translate3d(-160%,0,0) skewX(-18deg); } 30%, 100% { transform: translate3d(460%,0,0) skewX(-18deg); } }
.leads-panel::after { content: ''; position: absolute; inset: 12px; border-radius: 22px; border: 1px solid rgba(255,255,255,0.16); pointer-events: none; transform: translateZ(24px); }
.leads-panel > :not(.leads-bg) { position: relative; z-index: 1; transform: translateZ(46px); }
.leads-panel h2 { color: #fff; max-width: 680px; margin: 0 auto; font-size: clamp(1.85rem, 3.4vw, 2.55rem); text-shadow: 0 2px 20px rgba(0,0,0,0.45); }
.leads-panel > p { color: rgba(255,255,255,0.9); margin: 16px auto 0; max-width: 580px; line-height: 1.7; font-size: 1.02rem; text-shadow: 0 1px 12px rgba(0,0,0,0.5); }
.leads-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 26px; }
.leads-pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 100px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.24); font-size: 13px; font-weight: 600; color: #fff; backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.leads-pill svg { color: var(--silver-2); flex-shrink: 0; }
.leads-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 32px; }
@media (max-width: 620px) { .leads-panel { padding: 50px 20px; border-radius: 26px; } .leads-panel::after { inset: 8px; border-radius: 20px; } .leads-actions .btn { width: 100%; } }
@media (hover: none) { .leads-panel { animation: leads-sway 11s ease-in-out infinite; } }
@keyframes leads-sway { 0%, 100% { transform: perspective(1200px) rotateX(0deg) rotateY(0deg); } 25% { transform: perspective(1200px) rotateX(2deg) rotateY(-3deg); } 75% { transform: perspective(1200px) rotateX(-2deg) rotateY(3deg); } }
@media (prefers-reduced-motion: reduce) { .leads-panel, .leads-photo, .leads-bg::after { animation: none !important; } }

/* ===== Loan programs — expanding photo panels ===== */
.prog-panels { display: flex; gap: 12px; height: 500px; }
.prog-panel { position: relative; isolation: isolate; overflow: hidden; flex: 1 1 0; min-width: 0; border-radius: 24px; border: 1px solid var(--border); background: #0c1322; color: #fff; cursor: pointer; box-shadow: 0 12px 30px -16px rgba(10,40,100,0.35); transition: flex-grow .6s cubic-bezier(.22,.9,.3,1), border-color .4s ease, box-shadow .4s ease; -webkit-tap-highlight-color: transparent; }
.prog-panel::before { content: ''; position: absolute; inset: 0; z-index: -2; background: var(--photo) center/cover no-repeat; transform: scale(1.02); transition: transform .9s cubic-bezier(.22,.9,.3,1); }
.prog-panel::after { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(5,12,28,0.9) 0%, rgba(5,12,28,0.52) 50%, rgba(5,12,28,0.26) 100%), rgba(5,12,28,0.12); backdrop-filter: blur(3px) saturate(1.15); -webkit-backdrop-filter: blur(3px) saturate(1.15); }
.prog-panel.is-active { flex-grow: 4.6; cursor: default; border-color: rgba(214,221,231,0.7); box-shadow: 0 30px 60px -22px rgba(10,40,100,0.45), 0 10px 28px -12px rgba(10,40,100,0.3); }
.prog-panel.is-active::before { transform: scale(1.08); }
.prog-panel:focus-visible { outline: 2px solid var(--blue-2); outline-offset: 3px; }
.prog-icon { position: absolute; top: 20px; left: 20px; width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.22); color: #fff; backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); transition: background .35s ease, color .35s ease, border-color .35s ease, transform .45s cubic-bezier(.34,1.56,.64,1); }
.prog-panel.is-active .prog-icon { background-image: var(--silver-grad); color: var(--navy); border-color: transparent; transform: rotate(-8deg); }
.prog-num { position: absolute; top: 74px; left: 20px; width: 42px; text-align: center; font-family: var(--font-head); font-size: 12px; font-weight: 600; letter-spacing: 0.08em; color: rgba(255,255,255,0.55); }
.prog-label { position: absolute; left: 30px; bottom: 24px; writing-mode: vertical-rl; transform: rotate(180deg); white-space: nowrap; font-family: var(--font-head); font-size: 15px; font-weight: 600; line-height: 1.4; letter-spacing: 0.02em; transition: opacity .25s ease; }
.prog-panel.is-active .prog-label { opacity: 0; }
.prog-body { position: absolute; left: 26px; bottom: 26px; width: min(440px, calc(47.9vw - 110px)); opacity: 0; visibility: hidden; transform: translateY(14px); transition: opacity .25s ease, transform .35s ease, visibility 0s linear .25s; }
.prog-panel.is-active .prog-body { opacity: 1; visibility: visible; transform: none; transition: opacity .45s ease .25s, transform .5s cubic-bezier(.22,.9,.3,1) .25s, visibility 0s; }
.prog-chip { display: inline-flex; padding: 6px 12px; border-radius: 999px; background: rgba(255,255,255,0.12); border: 1px solid rgba(214,221,231,0.5); color: var(--silver-1); font-family: var(--font-head); font-size: 11px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; }
.prog-body h3 { font-size: 26px; color: #fff; margin: 14px 0 8px; }
.prog-body p { font-size: 14.5px; line-height: 1.65; color: rgba(255,255,255,0.86); }
.prog-meta { display: flex; flex-direction: column; gap: 3px; margin-top: 16px; }
.prog-meta span { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.prog-meta b { font-size: 14px; font-weight: 600; color: #fff; }
.prog-cta { margin-top: 20px; padding: 12px 22px; font-size: 13px; }
.prog-foot { margin-top: 28px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 6px 12px; font-size: 14.5px; color: var(--ink-muted); text-align: center; }
.prog-foot a { font-weight: 700; color: var(--blue-2); transition: color .2s ease; }
.prog-foot a:hover { color: var(--blue-1); }
@media (max-width: 900px) {
  .prog-panels { flex-direction: column; height: auto; gap: 10px; }
  .prog-panel, .prog-panel.is-active { flex: none; display: grid; grid-template-columns: auto 1fr auto; align-items: center; column-gap: 14px; padding: 16px 18px; cursor: pointer; }
  .prog-icon, .prog-num, .prog-label { position: static; }
  .prog-num { width: auto; font-size: 13px; }
  .prog-label, .prog-panel.is-active .prog-label { writing-mode: horizontal-tb; transform: none; opacity: 1; font-size: 16px; white-space: normal; }
  .prog-body, .prog-panel.is-active .prog-body { position: static; grid-column: 1 / -1; width: auto; transform: none; display: grid; }
  .prog-body { grid-template-rows: 0fr; transition: grid-template-rows .45s ease, opacity .3s ease, visibility 0s linear .45s; }
  .prog-panel.is-active .prog-body { grid-template-rows: 1fr; transition: grid-template-rows .45s ease, opacity .4s ease .1s, visibility 0s; }
  .prog-body-inner { overflow: hidden; min-height: 0; }
  .prog-panel.is-active .prog-body-inner { padding-top: 18px; padding-bottom: 6px; }
  .prog-body h3 { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; margin: 0; }
  .prog-body p { margin-top: 12px; }
  .prog-panel.is-active .prog-icon { transform: none; }
}
@media (prefers-reduced-motion: reduce) { .prog-panel, .prog-panel::before, .prog-body, .prog-panel.is-active .prog-body { transition-duration: .01s; transition-delay: 0s; } }

/* ===== 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(10,40,100,0.4); }
@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(31,111,232,0.12); }
.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(10,40,100,0.4); 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(10,40,100,0.4); }
.mc-range:hover::-webkit-slider-thumb, .mc-range:active::-webkit-slider-thumb { transform: scale(1.14); box-shadow: 0 0 0 7px rgba(31,111,232,0.14), 0 6px 14px -4px rgba(10,40,100,0.4); }
.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(31,111,232,0.12); }
@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(214,221,231,0.22), transparent 65%), radial-gradient(ellipse 320px 240px at -10% 110%, rgba(31,111,232,0.35), 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; }
.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; } }

/* ===== More ways — HELOC + Realtor photo cards ===== */
.more-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
@media (max-width: 820px) { .more-grid { grid-template-columns: 1fr; } }
.more-card { position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; justify-content: flex-end; min-height: 460px; padding: 34px; border-radius: 28px; color: #fff; background: #0c1322; border: 1px solid var(--border); box-shadow: 0 30px 60px -34px rgba(6,22,52,0.5); }
.more-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); }
.more-shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(5,12,28,0.92) 0%, rgba(5,12,28,0.6) 42%, rgba(5,12,28,0.12) 100%); }
.more-card:hover::before { transform: scale(1.06); }
.more-tag { position: absolute; top: 24px; left: 24px; padding: 8px 14px; border-radius: 100px; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--navy); background-image: var(--silver-grad); }
.more-body h3 { font-size: clamp(1.5rem, 2.6vw, 2rem); color: #fff; margin-bottom: 10px; }
.more-body p { font-size: 15px; line-height: 1.65; color: rgba(255,255,255,0.82); max-width: 470px; }
.more-link { display: inline-flex; align-items: center; gap: 10px; margin-top: 20px; 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); transition: gap .3s ease, border-color .3s ease; }
.more-card:hover .more-link { gap: 16px; border-color: #fff; }
@media (max-width: 560px) { .more-card { min-height: 400px; padding: 24px 22px; border-radius: 24px; } .more-tag { top: 18px; left: 18px; } }

/* ===== Instagram reels — 4 in a row, click-to-play lightbox ===== */
.reels-section { background: var(--bg); }
.reel-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 860px) { .reel-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; } }
.reel-card { position: relative; display: block; width: 100%; padding: 0; aspect-ratio: 9 / 16; border-radius: 22px; overflow: hidden; isolation: isolate; text-align: left; background: var(--navy); border: 1px solid var(--border); box-shadow: 0 24px 50px -30px rgba(6,22,52,0.55); }
.reel-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform .9s cubic-bezier(.22,.9,.3,1); }
.reel-shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(5,12,28,0.25) 0%, rgba(5,12,28,0) 30%, rgba(5,12,28,0.2) 55%, rgba(5,12,28,0.9) 100%); transition: background .4s ease; }
.reel-card:hover img { transform: scale(1.06); }
.reel-ig { position: absolute; top: 14px; right: 14px; width: 22px; height: 22px; color: #fff; filter: drop-shadow(0 1px 4px rgba(0,0,0,0.6)); }
.reel-play { position: absolute; top: 46%; left: 50%; width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center; transform: translate(-50%, -50%); color: var(--navy); background-image: var(--silver-grad); box-shadow: 0 0 0 8px rgba(255,255,255,0.18), 0 18px 34px -12px rgba(0,0,0,0.6); transition: transform .35s cubic-bezier(.34,1.56,.64,1), box-shadow .35s ease; }
.reel-play svg { width: 22px; height: 22px; margin-left: 3px; }
.reel-card:hover .reel-play { transform: translate(-50%, -50%) scale(1.12); box-shadow: 0 0 0 12px rgba(255,255,255,0.14), 0 18px 34px -12px rgba(0,0,0,0.6); }
.reel-play::after { content: ''; position: absolute; inset: -8px; border-radius: 50%; border: 1.5px solid rgba(255,255,255,0.6); animation: reel-ping 2.6s ease-out infinite; }
@keyframes reel-ping { 0% { transform: scale(.85); opacity: .8; } 100% { transform: scale(1.45); opacity: 0; } }
.reel-label { position: absolute; left: 16px; right: 16px; bottom: 16px; color: #fff; }
.reel-label b { display: block; font-family: var(--font-head); font-weight: 600; font-size: 16px; line-height: 1.25; }
.reel-label span { display: block; margin-top: 5px; font-size: 12.5px; line-height: 1.45; color: rgba(255,255,255,0.78); }
@media (max-width: 560px) { .reel-card { border-radius: 18px; } .reel-play { width: 48px; height: 48px; } .reel-play svg { width: 18px; height: 18px; } .reel-label { left: 12px; right: 12px; bottom: 12px; } .reel-label b { font-size: 14px; } .reel-label span { display: none; } }
.reels-foot { display: flex; justify-content: center; margin-top: 34px; }
@media (prefers-reduced-motion: reduce) { .reel-play::after { animation: none; display: none; } }
.reel-modal { position: fixed; inset: 0; z-index: 700; display: flex; align-items: center; justify-content: center; padding: 40px 16px; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .25s ease, visibility 0s linear .25s; }
.reel-modal.open { opacity: 1; visibility: visible; pointer-events: auto; transition: opacity .25s ease, visibility 0s; }
.reel-modal-backdrop { position: absolute; inset: 0; background: rgba(4,10,24,0.88); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.reel-modal-inner { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; gap: 16px; width: min(400px, 100%); transform: translateY(16px) scale(0.97); transition: transform .3s cubic-bezier(.2,.8,.2,1); }
.reel-modal.open .reel-modal-inner { transform: none; }
.reel-modal-frame { width: 100%; aspect-ratio: 9 / 16; max-height: 74vh; max-height: 74dvh; border-radius: 18px; overflow: hidden; background: #fff; box-shadow: 0 30px 70px rgba(0,0,0,0.5); }
.reel-modal-frame iframe { width: 100%; height: 100%; border: 0; display: block; }
.reel-modal-close { position: absolute; top: -8px; right: -54px; width: 42px; height: 42px; min-width: 42px; padding: 0; border-radius: 50%; display: grid; place-items: center; color: #fff; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.3); transition: background .2s ease; }
@media (hover: hover) { .reel-modal-close:hover { background: rgba(255,255,255,0.24); } }
@media (max-width: 520px) { .reel-modal-close { top: -54px; right: 0; } }
.reel-modal-cta { width: 100%; }

/* ===== 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-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(6,22,52,0.45); 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(31,111,232,0.1), 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, #4590ff, 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(31,111,232,0.12); }
.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(6,22,52,0.45); 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, #4590ff, 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 — navy with silver CTA band ===== */
.site-footer { position: relative; overflow: hidden; padding: 0 0 34px; color: rgba(255,255,255,0.72); background: linear-gradient(180deg, var(--navy) 0%, #040e22 100%); }
.footer-glow { position: absolute; top: -200px; left: 50%; width: 900px; height: 400px; transform: translateX(-50%); pointer-events: none; background: radial-gradient(ellipse at center, rgba(31,111,232,0.28), 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 rgba(255,255,255,0.1); }
.footer-cta h2 { margin-top: 16px; max-width: 560px; color: #fff; 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; } }
.site-footer .nav-logo { color: #fff; }
.site-footer .nav-word small { color: var(--silver-3); }
.footer-brand p { font-size: 0.92rem; line-height: 1.65; max-width: 360px; 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: #fff; transition: color .2s ease; }
.footer-contact a:hover { color: var(--blue-3); }
.site-footer .social-icons { margin-top: 20px; }
.site-footer .social-icon { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.14); color: rgba(255,255,255,0.8); }
.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(--silver-3); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.92rem; margin-bottom: 11px; color: rgba(255,255,255,0.74); transition: color .2s ease, transform .2s ease; }
.footer-col a:hover { color: #fff; transform: translateX(3px); }
.footer-bottom { display: flex; flex-direction: column; gap: 14px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.76rem; line-height: 1.65; color: rgba(255,255,255,0.55); }
@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: 800px; }
.powered-by-footer img { height: 26px; }
.legal-links { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 22px; }
.legal-link { color: var(--blue-3); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.equal-housing { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; color: rgba(255,255,255,0.7); }

/* ===== Chat widget ===== */
.cw { position: fixed; right: 22px; bottom: 22px; z-index: 500; font-family: var(--font-body); }
.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, #4590ff, var(--blue-1)); border: 2px solid var(--silver-2); box-shadow: 0 18px 36px -12px rgba(6,22,52,0.55); transition: transform .3s cubic-bezier(.34,1.56,.64,1); }
.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; } }

/* ===== 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(5,14,34,0.76) 0%, rgba(5,14,34,0.5) 45%, rgba(5,14,34,0.3) 100%), rgba(5,14,34,0.14); 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(31,111,232,0.16); }
.spec-icon { width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; color: #fff; background-image: linear-gradient(135deg, #4590ff, 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 { --mx: 50%; --my: 50%; 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::after { content: ''; position: absolute; inset: 0; z-index: -1; pointer-events: none; opacity: 0; background: radial-gradient(300px circle at var(--mx) var(--my), rgba(31,111,232,0.12), transparent 65%); transition: opacity .35s ease; }
.spot-card:hover { transform: translateY(-6px); border-color: rgba(31,111,232,0.35); box-shadow: 0 28px 56px -32px rgba(10,40,100,0.45); }
.spot-card:hover::after { opacity: 1; }
.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(6,22,52,0.55); }
.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(5,12,28,0.9) 0%, rgba(5,12,28,0.55) 45%, rgba(5,12,28,0.12) 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, #4590ff, 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(6,22,52,0.45); }
.review-invite::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 50% 80% at 100% 0%, rgba(31,111,232,0.08), 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(6,22,52,0.5); }
.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(6,22,52,0.55); }
.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(5,12,28,0.72) 0%, rgba(5,12,28,0.46) 50%, rgba(5,12,28,0.26) 100%), rgba(5,12,28,0.12); 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(10,40,100,0.4); }
@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(214,221,231,0.22), 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); }

/* ===== HELOC hero — same translucent recipe, white question card on the right ===== */
.heloc-hero .hero-bg-scene { background-image: url('/assets/heloc-hero.jpg'); background-position: center 55%; }
.heloc-hero .hero-copy h1 { font-size: clamp(2.4rem, 4.8vw, 3.7rem); }
.heloc-hero .h1-line { white-space: normal; }
.heloc-tips { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 6px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .55s both; }
.heloc-tips li { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: rgba(255,255,255,0.86); }
.heloc-tips svg { width: 20px; height: 20px; padding: 4px; border-radius: 50%; color: var(--navy); background-image: var(--silver-grad); }
.hero-qcard { position: relative; width: min(100%, 440px); padding: 30px 28px 26px; border-radius: 28px; background: rgba(255,255,255,0.96); border: 1px solid rgba(255,255,255,0.6); box-shadow: 0 40px 80px -30px rgba(0,0,0,0.6); text-align: center; backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); animation: hero-in 1s cubic-bezier(.2,.7,.2,1) .3s both; }
.hero-qcard .qcard-kicker { display: block; }
.hero-qcard h2 { margin-top: 12px; font-size: 24px; }
.hero-qcard > p { margin-top: 8px; font-size: 14.5px; color: var(--ink-muted); line-height: 1.55; }
.hero-qcard .field { margin: 20px 0 14px; }
.hero-qcard .qcard-note { margin-top: 14px; }
.hero-qcard .progress-dots { display: flex; justify-content: center; gap: 6px; margin-top: 18px; }
.progress-dots i { width: 22px; height: 4px; border-radius: 4px; background: var(--border); }
.progress-dots i:first-child { background: var(--blue-2); }
@media (max-width: 979px) { .heloc-hero .hero-visual { order: 0; } .heloc-tips { justify-content: center; } }

/* ===== Equity estimator ===== */
.equity { display: grid; grid-template-columns: 1fr; max-width: 1000px; margin: 0 auto; border-radius: 30px; overflow: hidden; background: var(--surface); border: 1px solid var(--border); box-shadow: 0 34px 70px -34px rgba(10,40,100,0.4); }
@media (min-width: 900px) { .equity { grid-template-columns: 1fr 1fr; } }
.equity .mc-form { gap: 30px; }
.equity-out { display: flex; flex-direction: column; justify-content: center; gap: 18px; }
.equity-bar { display: flex; height: 16px; border-radius: 16px; overflow: hidden; background: rgba(255,255,255,0.1); }
.equity-bar i { display: block; height: 100%; transition: flex-basis .7s cubic-bezier(.22,.9,.4,1); }
.eq-owed { background: rgba(255,255,255,0.28); }
.eq-access { background-image: var(--silver-grad); }
.eq-keep { background: linear-gradient(90deg, #4590ff, var(--blue-2)); }
.equity-legend { display: grid; gap: 8px; }
.equity-legend div { display: flex; justify-content: space-between; gap: 14px; font-size: 13.5px; color: rgba(255,255,255,0.78); }
.equity-legend span { display: inline-flex; align-items: center; gap: 8px; }
.equity-legend i { width: 11px; height: 11px; border-radius: 3px; }
.equity-legend b { font-family: var(--font-head); font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; }

/* ===== HELOC vs cash-out compare ===== */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; max-width: 980px; margin: 0 auto; }
@media (max-width: 760px) { .compare-grid { grid-template-columns: 1fr; } }
.compare-card { position: relative; padding: 32px 30px 26px; border-radius: 26px; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); }
.compare-card.is-featured { color: #fff; border-color: transparent; background: linear-gradient(160deg, var(--navy), var(--navy-2) 60%, var(--blue-1) 130%); box-shadow: var(--shadow-lg); }
.compare-badge { display: inline-flex; padding: 6px 12px; border-radius: 100px; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue-2); background: var(--surface-2); border: 1px solid var(--border); }
.is-featured .compare-badge { color: var(--navy); background-image: var(--silver-grad); border-color: transparent; }
.compare-card h3 { margin-top: 16px; font-size: 26px; }
.is-featured h3 { color: #fff; }
.compare-card > p { margin-top: 8px; font-size: 14.5px; line-height: 1.6; color: var(--ink-muted); }
.is-featured > p { color: rgba(255,255,255,0.78); }
.compare-rows { margin-top: 20px; border-top: 1px solid var(--border); }
.is-featured .compare-rows { border-color: rgba(255,255,255,0.14); }
.compare-rows div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.is-featured .compare-rows div { border-color: rgba(255,255,255,0.1); }
.compare-rows span { color: var(--ink-muted); }
.is-featured .compare-rows span { color: rgba(255,255,255,0.65); }
.compare-rows b { font-family: var(--font-head); font-weight: 600; text-align: right; color: var(--ink); }
.is-featured .compare-rows b { color: #fff; }

/* ===== Four-step row with a self-drawing connector ===== */
.steps4 { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: s; }
.steps4::before { content: ''; position: absolute; top: 33px; left: 12%; right: 12%; height: 2px; background: linear-gradient(90deg, var(--blue-2), var(--silver-3)); transform: scaleX(0); transform-origin: left; transition: transform 1.4s cubic-bezier(.22,.9,.4,1) .3s; }
.steps4.is-visible::before, html:not(.js-reveal) .steps4::before { transform: scaleX(1); }
.step4 { position: relative; text-align: center; padding: 0 8px; }
.step4-dot { position: relative; z-index: 1; width: 66px; height: 66px; margin: 0 auto 18px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-head); font-weight: 600; font-size: 18px; color: var(--navy); background-image: var(--silver-grad); border: 4px solid var(--bg-soft); box-shadow: 0 14px 28px -14px rgba(6,22,52,0.5); }
.step4 h3 { font-size: 18px; margin-bottom: 8px; }
.step4 p { font-size: 14.5px; line-height: 1.6; color: var(--ink-muted); }
.step4 em { display: inline-block; margin-top: 12px; padding: 6px 12px; border-radius: 100px; font-style: normal; font-size: 12px; font-weight: 700; color: var(--blue-2); background: var(--surface-2); border: 1px solid var(--border); }
@media (max-width: 860px) { .steps4 { grid-template-columns: 1fr 1fr; row-gap: 34px; } .steps4::before { display: none; } }
@media (max-width: 480px) { .steps4 { grid-template-columns: 1fr; } }

/* ===== 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(31,111,232,0.35); box-shadow: 0 20px 40px -28px rgba(10,40,100,0.4); }
.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(5,14,34,0.74) 0%, rgba(5,14,34,0.5) 45%, rgba(5,14,34,0.32) 100%), rgba(5,14,34,0.14); }
.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(--silver-2); }
.funnel-nav .lang-toggle-btn { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.38); color: #fff; }
.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(255,255,255,0.6); 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, #4590ff, 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; } }