/* =========================================================
   Ken Clark Jr. | #ChampionsofLoans Powered By PRMG Mortgage
   Cross-generational palette: trustworthy + warm + energetic
     - Midnight Navy   #16213e  (Gen X trust)
     - Warm Cream      #fdf6ed  (Millennial coziness)
     - Sunset Coral    #ff6b35  (Gen Z energy)
     - Sage Green      #7a9b76  (Millennial signature)
     - Honey Gold      #d4a574  (premium accent)
   ========================================================= */

:root {
  /* ============================================================
     EASY-ON-THE-EYES PALETTE for ages 20 to 55
     Inspired by warm modern boutique design.
     - Deep Slate     #324a5f  (calmer than navy, trustworthy)
     - Soft Cream     #faf6f0  (warm, low-glare background)
     - Dusty Terracotta #c97a5e (softer than coral, warm energy)
     - Soft Sage      #9bb09b  (calming, sophisticated)
     - Warm Taupe     #c4a584  (premium accent, low saturation)
     - Charcoal       #2a3540  (text, not pure black)
     ============================================================ */

  /* Primary text and dark sections */
  --ink:           #2a3540;
  --ink-deep:      #1c252e;
  --ink-soft:      #6b7888;
  --ink-muted:     #9ba6b5;

  /* Slate teal for dark backgrounds and headings */
  --slate:         #324a5f;
  --slate-deep:    #243646;
  --slate-soft:    #d9e1ea;

  /* Backgrounds, gentle and warm */
  --paper:         #ffffff;
  --cream:         #faf6f0;
  --cream-warm:    #f3ecdf;
  --cream-tint:    #f6efe2;

  /* Accents, muted but still attractive */
  --terra:         #c97a5e;
  --terra-deep:    #a8624a;
  --terra-soft:    #f1ddd1;

  --sage:          #9bb09b;
  --sage-deep:     #7a9080;
  --sage-soft:     #e0e8dc;

  --clay:          #c4a584;
  --clay-deep:     #a18965;
  --clay-soft:     #ede0cd;

  --blush:         #f0d9d0;
  --lavender:      #ddd6e8;

  /* Lines, soft, low contrast */
  --rule:          #e8e0d3;
  --rule-soft:     #f0e8db;

  /* Effects, gentler shadows */
  --shadow-sm:     0 4px 14px rgba(50, 74, 95, 0.06);
  --shadow:        0 14px 36px rgba(50, 74, 95, 0.10);
  --shadow-lg:     0 26px 70px rgba(50, 74, 95, 0.16);
  --shadow-coral:  0 10px 28px rgba(201, 122, 94, 0.28);

  --radius-pill:   999px;
  --radius-lg:     22px;
  --radius:        16px;
  --radius-sm:     12px;

  /* Legacy aliases so older selectors keep working */
  --prmg-blue:        var(--slate);
  --prmg-blue-dark:   var(--slate-deep);
  --prmg-blue-soft:   var(--slate-soft);
  --prmg-orange:      var(--terra);
  --prmg-orange-dark: var(--terra-deep);
  --prmg-orange-soft: var(--terra-soft);
  --coral:            var(--terra);
  --coral-deep:       var(--terra-deep);
  --coral-soft:       var(--terra-soft);
  --champ-coral:      var(--terra);
  --gold:             var(--clay);
  --gold-soft:        var(--clay-soft);
  --bg:               var(--paper);
  --bg-soft:          var(--cream);
  --bg-tint:          var(--cream-warm);
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  font-family: 'Plus Jakarta Sans', 'Inter', 'Segoe UI', Roboto, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--ink); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--coral); }

h1, h2, h3, h4 {
  font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
  font-weight: 800; color: var(--ink);
  line-height: 1.1; margin: 0 0 .5em;
  letter-spacing: -.022em;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3vw, 2.6rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; letter-spacing: 0; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ---------- Eyebrow + Hashtag ---------- */
.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: .8rem; font-weight: 800;
  color: var(--coral-deep);
  background: var(--coral-soft);
  padding: 6px 14px; border-radius: var(--radius-pill);
  margin-bottom: 14px;
}

.hashtag {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(120deg, var(--terra-deep) 0%, var(--terra) 50%, #e08a6c 100%);
  color: #fff;
  padding: 10px 20px; border-radius: var(--radius-pill);
  font-weight: 900; font-size: 1rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  box-shadow: 0 8px 22px rgba(168, 98, 74, 0.35);
  border: 1.5px solid rgba(255,255,255,.22);
  text-shadow: 0 1px 0 rgba(0,0,0,.08);
}
.hashtag::before { content: "🏆"; font-size: 1.05em; filter: drop-shadow(0 1px 0 rgba(0,0,0,.15)); }
.hashtag-lg {
  padding: 14px 26px; font-size: 1.18rem; gap: 10px;
}
.hashtag-lg::before { font-size: 1.2em; }
.hashtag-inline {
  background: linear-gradient(120deg, var(--terra-deep), var(--terra));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  font-weight: 900; letter-spacing: .02em;
  padding: 0; box-shadow: none; border: none;
}
.hashtag-inline::before { content: ""; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  font-weight: 700; font-size: 1rem;
  text-align: center;
  border: 2px solid transparent;
  transition: all .2s ease;
  cursor: pointer;
  letter-spacing: .01em;
  line-height: 1.2;
  font-family: inherit;
}
.btn-primary {
  background: linear-gradient(120deg, var(--terra), #d99a7c);
  color: #fff;
  box-shadow: var(--shadow-coral);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 34px rgba(201, 122, 94, 0.36);
  color: #fff;
}
.btn-secondary {
  background: var(--ink); color: #fff;
}
.btn-secondary:hover {
  background: var(--ink-deep); color: #fff;
  transform: translateY(-2px); box-shadow: var(--shadow);
}
.btn-sage {
  background: var(--sage); color: #fff;
}
.btn-sage:hover { background: var(--sage-deep); color: #fff; transform: translateY(-2px); }
.btn-outline {
  background: transparent;
  color: var(--ink); border-color: var(--ink);
}
.btn-outline:hover { background: var(--ink); color: #fff; }
.btn-ghost {
  background: rgba(255,255,255,.96);
  color: var(--ink); border-color: rgba(255,255,255,.96);
}
.btn-ghost:hover { background: var(--coral); color: #fff; border-color: var(--coral); }
.btn-lg { padding: 18px 34px; font-size: 1.05rem; }
.btn-block { display: block; width: 100%; }

/* ---------- Header ---------- */
.site-header {
  background: var(--ink-deep);
  border-bottom: 3px solid var(--terra);
  position: sticky; top: 0; z-index: 1000;
  isolation: isolate;
  box-shadow: 0 6px 20px rgba(28, 37, 46, .22);
}
.site-header > .container {
  max-width: 1600px;
  padding: 0 20px;
}
.site-header .header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 14px; padding: 12px 0;
}

/* ---------- Brand Bar (below header, above hero) ---------- */
.brand-bar {
  background: var(--cream);
  border-bottom: 1px solid var(--rule);
  padding: 18px 0;
  position: relative; z-index: 10;
}
.brand-bar .brand-bar-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 22px; flex-wrap: wrap;
}
.brand-bar-logo {
  display: inline-flex; align-items: center;
  padding-right: 22px;
  border-right: 1px solid var(--rule);
}
.brand-bar-logo img {
  height: 56px; width: auto; max-width: 220px;
  object-fit: contain; display: block;
  mix-blend-mode: multiply;
}
.brand-bar-text {
  display: flex; flex-direction: column;
  line-height: 1.25;
  gap: 4px;
  min-width: 0;
}
.brand-bar-name {
  font-weight: 900; font-size: 1.5rem;
  color: var(--ink); letter-spacing: -.015em;
  white-space: nowrap;
}
.brand-bar-name span { color: var(--coral); }
.brand-bar-tag {
  font-size: .82rem; color: var(--ink-soft);
  letter-spacing: .04em;
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600;
  white-space: nowrap;
}
.brand-bar-tag strong {
  background: linear-gradient(120deg, var(--terra-deep), var(--terra));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  font-weight: 900; letter-spacing: .05em;
  font-size: .9rem;
  text-transform: uppercase;
}
.brand-bar-divider {
  color: var(--rule);
  font-weight: 700;
}
@media (max-width: 640px) {
  .brand-bar { padding: 14px 0; }
  .brand-bar .brand-bar-inner { gap: 14px; }
  .brand-bar-logo { padding-right: 14px; }
  .brand-bar-logo img { height: 44px; max-width: 160px; }
  .brand-bar-name { font-size: 1.2rem; }
  .brand-bar-tag { font-size: .72rem; flex-wrap: wrap; justify-content: center; }
  .brand-bar-tag strong { font-size: .78rem; }
}

.nav-main { display: flex; gap: 4px; align-items: center; flex-wrap: wrap; flex: 1; justify-content: flex-start; }
.nav-main a {
  color: #fff; padding: 11px 15px;
  border-radius: var(--radius-pill);
  font-weight: 800; font-size: .98rem;
  letter-spacing: .01em;
  white-space: nowrap;
  transition: color .2s, background .2s, transform .15s;
}
.nav-main a:hover {
  color: #fff;
  background: var(--terra);
  transform: translateY(-1px);
}
.nav-main .has-sub { position: relative; }
.nav-main .has-sub > a::after { content: " ▾"; font-size: .7rem; color: rgba(255,255,255,.7); }
.nav-main .submenu {
  position: absolute; top: 100%; left: 0; min-width: 250px;
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 10px;
  box-shadow: var(--shadow);
  display: none; z-index: 20; margin-top: 6px;
}
.nav-main .has-sub:hover .submenu { display: block; }
.nav-main .submenu a { display: block; padding: 9px 14px; border-radius: 10px; font-size: .93rem; color: var(--ink); font-weight: 600; }
.nav-main .submenu a:hover { background: var(--terra-soft); color: var(--terra-deep); transform: none; }

.header-cta { display: flex; align-items: center; gap: 8px; padding-left: 6px; flex-shrink: 0; }
.header-phone {
  color: #fff; font-weight: 800; font-size: .86rem; white-space: nowrap;
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--terra);
  padding: 7px 13px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--terra-deep);
  box-shadow: 0 2px 8px rgba(201, 122, 94, .35);
  transition: background .2s, border-color .2s, color .2s, transform .15s;
}
.header-phone:hover {
  background: var(--terra-deep);
  border-color: var(--terra-deep);
  color: #fff;
  transform: translateY(-1px);
}
.header-phone::before { content: "📞"; font-size: .85em; }
/* At narrower viewports, hide "Call/Text" label - just show the number */
@media (max-width: 1300px) {
  .header-phone { font-size: .82rem; padding: 7px 11px; }
}

.menu-toggle {
  display: none; background: var(--terra); border: none;
  padding: 8px 12px; font-size: 1.4rem;
  color: #fff; cursor: pointer; border-radius: 12px;
}

@media (max-width: 1080px) {
  .nav-main { display: none; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; background: var(--ink-deep);
    border-top: 1px solid rgba(255,255,255,.1); padding: 14px; gap: 0; }
  .nav-main.open { display: flex; }
  .nav-main a { padding: 14px 12px; border-bottom: 1px solid rgba(255,255,255,.08); border-radius: 0; color: #fff; }
  .nav-main a:hover { background: var(--terra); transform: none; }
  .nav-main .submenu { position: static; box-shadow: none; border: none; padding-left: 14px; display: block; margin-top: 0; background: transparent; }
  .nav-main .submenu a { color: rgba(255,255,255,.85); }
  .menu-toggle { display: inline-block; }
  .header-phone { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(circle at 12% 18%, rgba(201, 122, 94, 0.16), transparent 50%),
    radial-gradient(circle at 88% 12%, rgba(155, 176, 155, 0.18), transparent 55%),
    radial-gradient(circle at 50% 95%, rgba(196, 165, 132, 0.18), transparent 55%),
    linear-gradient(180deg, var(--cream) 0%, var(--cream-tint) 100%);
  padding: 80px 0 90px;
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; top: -160px; right: -160px;
  width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 122, 94, 0.16), transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute; bottom: -120px; left: -100px;
  width: 320px; height: 320px; border-radius: 50%;
  background: radial-gradient(circle, rgba(155, 176, 155, 0.20), transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid; grid-template-columns: 1.25fr 1fr;
  gap: 60px; align-items: center;
  position: relative; z-index: 2;
}
.hero h1 { color: var(--ink); margin-bottom: 22px; }
.hero h1 .accent {
  background: linear-gradient(120deg, var(--coral), #ff8b56 60%, var(--gold));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero .sub { font-size: 1.18rem; color: var(--ink-soft); margin-bottom: 30px; max-width: 600px; }
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-trust { margin-top: 28px; display: flex; flex-wrap: wrap; gap: 8px; }
.hero-trust .chip {
  background: var(--paper); border: 1px solid var(--rule);
  padding: 8px 14px; border-radius: var(--radius-pill);
  font-size: .85rem; font-weight: 600; color: var(--ink-soft);
  display: inline-flex; align-items: center; gap: 6px;
}

.hero-photo {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  background: linear-gradient(135deg, var(--ink), var(--coral));
  border: 6px solid var(--paper);
}
.hero-photo img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
}
.hero-photo .badge {
  position: absolute; bottom: 18px; left: 18px; right: 18px;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  padding: 14px 18px; border-radius: var(--radius);
  display: flex; gap: 14px; align-items: center;
  box-shadow: var(--shadow);
}
.hero-photo .badge .badge-name { font-weight: 800; color: var(--ink); font-size: 1rem; line-height: 1.15; }
.hero-photo .badge .badge-role { font-size: .82rem; color: var(--ink-soft); }
.hero-photo .badge .badge-logo {
  height: 44px; width: 100px;
  background: transparent;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-photo .badge .badge-logo img {
  width: 100%; height: 100%; object-fit: contain;
  mix-blend-mode: multiply;
}

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero { padding: 50px 0 70px; }
  .hero-photo { max-width: 420px; margin: 0 auto; }
}

/* ---------- Credibility Strip ---------- */
.credibility-strip {
  background: var(--slate);
  color: #fff; padding: 30px 0;
  position: relative;
}
.credibility-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px;
  align-items: center;
}
.cred-item { text-align: center; padding: 4px 14px; }
.cred-item:not(:last-child) { border-right: 1px solid rgba(255,255,255,.16); }
.cred-item .num {
  font-weight: 900; font-size: 1.55rem;
  color: var(--gold); display: block; line-height: 1.1;
  letter-spacing: -.02em;
}
.cred-item .label { color: rgba(255,255,255,.85); font-size: .9rem; }

@media (max-width: 720px) {
  .credibility-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .cred-item { border-right: none !important; }
}

/* ---------- Sections ---------- */
.section { padding: 80px 0; background: var(--paper); }
.section-tight { padding: 50px 0; }
.section-bg { background: var(--cream); }
.section-blue,
.section-ink {
  background: linear-gradient(135deg, var(--slate), var(--slate-deep));
  color: #fff;
}
.section-blue h1, .section-blue h2, .section-blue h3,
.section-ink h1, .section-ink h2, .section-ink h3 { color: #fff; }
.section-blue .eyebrow, .section-ink .eyebrow { background: rgba(255,255,255,.15); color: #fff; }

.section-head { text-align: center; max-width: 760px; margin: 0 auto 50px; }
.section-head p.lead { font-size: 1.12rem; color: var(--ink-soft); }

/* ---------- Buyer Path Selector ---------- */
.path-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.path-card {
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius-lg); padding: 30px 26px;
  text-align: left; transition: all .25s ease;
  display: flex; flex-direction: column; gap: 8px;
  text-decoration: none; color: var(--ink);
  position: relative; overflow: hidden;
}
.path-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--coral), var(--gold), var(--sage));
  opacity: 0; transition: opacity .25s;
}
.path-card:hover {
  border-color: var(--rule);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  color: var(--ink);
}
.path-card:hover::before { opacity: 1; }
.path-card .icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg, var(--coral-soft), var(--gold-soft));
  color: var(--coral-deep);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 8px;
}
.path-card:nth-child(2) .icon { background: linear-gradient(135deg, var(--sage-soft), var(--cream-warm)); color: var(--sage-deep); }
.path-card:nth-child(3) .icon { background: linear-gradient(135deg, var(--gold-soft), var(--blush)); color: #a17236; }
.path-card:nth-child(4) .icon { background: linear-gradient(135deg, var(--lavender), var(--cream-warm)); color: #6b5494; }
.path-card:nth-child(5) .icon { background: linear-gradient(135deg, var(--blush), var(--coral-soft)); color: var(--coral-deep); }
.path-card:nth-child(6) .icon { background: linear-gradient(135deg, var(--sage-soft), var(--lavender)); color: var(--sage-deep); }
.path-card h3 { margin: 4px 0 6px; color: var(--ink); font-size: 1.18rem; }
.path-card p { margin: 0; color: var(--ink-soft); font-size: .96rem; }
.path-card .arrow {
  color: var(--coral); font-weight: 800; font-size: .9rem;
  margin-top: auto; padding-top: 10px;
}
@media (max-width: 880px) { .path-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .path-grid { grid-template-columns: 1fr; } }

/* ---------- Feature row ---------- */
.feature-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.feature-card {
  background: var(--paper); border-radius: var(--radius-lg);
  padding: 32px 26px; border: 1px solid var(--rule);
}
.feature-card .icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg, var(--terra), #d99a7c);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 18px;
}
.feature-card:nth-child(2) .icon { background: linear-gradient(135deg, var(--sage), #afc1ae); }
.feature-card:nth-child(3) .icon { background: linear-gradient(135deg, var(--clay), #d6bb98); }
.feature-card h3 { color: var(--ink); }
@media (max-width: 880px) { .feature-row { grid-template-columns: 1fr; } }

/* ---------- Form / Questionnaire ---------- */
.q-shell {
  max-width: 760px; margin: 0 auto;
  background: var(--paper); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); padding: 44px 36px;
  border: 1px solid var(--rule);
}
.q-progress { display: flex; gap: 6px; margin-bottom: 30px; }
.q-progress .seg {
  flex: 1; height: 8px; border-radius: 4px;
  background: var(--rule); transition: background .3s;
}
.q-progress .seg.active { background: linear-gradient(90deg, var(--coral), var(--gold)); }
.q-progress .seg.done { background: var(--sage); }

.q-step { display: none; }
.q-step.active { display: block; animation: fadeUp .3s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

.q-step h2 { color: var(--ink); font-size: 1.5rem; margin-bottom: 8px; }
.q-step .help { color: var(--ink-soft); margin-bottom: 22px; font-size: .98rem; }

.q-options { display: grid; gap: 10px; margin-bottom: 24px; }
.q-options label {
  display: block; padding: 16px 20px;
  border: 2px solid var(--rule); border-radius: var(--radius);
  cursor: pointer; transition: all .2s; background: var(--paper);
  font-weight: 600;
}
.q-options label:hover { border-color: var(--sage); background: var(--sage-soft); }
.q-options input[type=radio] { margin-right: 10px; accent-color: var(--coral); }
.q-options label.selected {
  border-color: var(--coral);
  background: var(--coral-soft);
  color: var(--ink);
}

.q-input,
.q-shell input[type=text],
.q-shell input[type=email],
.q-shell input[type=tel],
.q-shell select,
.q-shell input[type=number] {
  width: 100%; padding: 14px 18px; border: 2px solid var(--rule);
  border-radius: var(--radius); font-size: 1rem; font-family: inherit;
  background: var(--paper); transition: border .2s, box-shadow .2s;
}
.q-shell input:focus, .q-shell select:focus {
  outline: none; border-color: var(--coral);
  box-shadow: 0 0 0 4px var(--coral-soft);
}

.q-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 18px; }
.q-actions .btn-back {
  background: transparent; color: var(--ink-soft); border-color: var(--rule);
  box-shadow: none;
}
.q-actions .btn-back:hover { color: var(--ink); border-color: var(--ink); background: transparent; transform: none; box-shadow: none; }

.q-success {
  background: var(--paper);
  border: 2px solid var(--sage);
  border-radius: var(--radius-lg); padding: 40px;
  text-align: center; max-width: 720px; margin: 0 auto;
}
.q-success h2 { color: var(--ink); }
.q-success .compliance {
  font-size: .85rem; color: var(--ink-soft); margin-top: 14px;
  background: var(--cream); padding: 14px; border-radius: var(--radius);
  text-align: left;
}

/* ---------- Calculators ---------- */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; }
@media (max-width: 880px) { .calc-grid { grid-template-columns: 1fr; } }

.calc-input-group { margin-bottom: 18px; }
.calc-input-group label {
  display: block; font-weight: 700; color: var(--ink);
  margin-bottom: 6px; font-size: .92rem;
}
.calc-input-group input,
.calc-input-group select {
  width: 100%; padding: 13px 16px; border: 2px solid var(--rule);
  border-radius: var(--radius); font-size: 1rem; font-family: inherit;
  background: var(--paper);
}
.calc-input-group input:focus, .calc-input-group select:focus {
  outline: none; border-color: var(--coral);
  box-shadow: 0 0 0 4px var(--coral-soft);
}
.calc-input-group .range-row { display: flex; align-items: center; gap: 12px; }
.calc-input-group input[type=range] { flex: 1; accent-color: var(--coral); }
.calc-input-group .range-value {
  background: var(--ink); color: #fff;
  padding: 6px 12px; border-radius: var(--radius-pill); font-weight: 800;
  min-width: 90px; text-align: center; font-size: .9rem;
}

.calc-results {
  background: linear-gradient(135deg, var(--slate), var(--slate-deep));
  color: #fff; padding: 32px; border-radius: var(--radius-lg);
  position: sticky; top: 90px;
  box-shadow: var(--shadow);
  border: 2px solid rgba(255,255,255,.08);
}
.calc-results h3 { color: #fff; margin-bottom: 18px; font-size: 1.2rem; }
.calc-result-line {
   display: flex; justify-content: space-between; align-items: center;
  padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.16);
}
.calc-result-line:last-of-type { border-bottom: none; }
.calc-result-line .label { color: rgba(255,255,255,.85); font-size: .94rem; }
.calc-result-line .val { font-weight: 800; font-size: 1.1rem; color: #fff; }
.calc-result-line.big { padding: 16px 0; }
.calc-result-line.big .val { font-size: 1.65rem; color: var(--coral); }
.calc-results .disclaimer { font-size: .8rem; opacity: .8; margin-top: 16px; line-height: 1.5; }

/* ---------- Roadmap timeline ---------- */
.timeline { position: relative; max-width: 760px; margin: 0 auto; padding-left: 30px; }
.timeline::before {
  content: ''; position: absolute; left: 12px; top: 8px; bottom: 8px;
  width: 3px;
  background: linear-gradient(to bottom, var(--coral), var(--clay), var(--sage));
  border-radius: 2px;
}
.timeline-step { position: relative; padding: 0 0 38px 30px; }
.timeline-step::before {
  content: ''; position: absolute; left: -22px; top: 4px;
  width: 26px; height: 26px; border-radius: 50%;
  background: linear-gradient(135deg, var(--coral), #d99a7c);
  border: 4px solid var(--paper);
  box-shadow: 0 0 0 2px var(--slate);
}
.timeline-step .step-num {
  display: inline-block; background: var(--cream-warm);
  color: var(--ink); font-weight: 800;
  font-size: .78rem; padding: 4px 12px; border-radius: var(--radius-pill);
  margin-bottom: 8px; letter-spacing: .04em; text-transform: uppercase;
}
.timeline-step h3 { color: var(--ink); margin-bottom: 6px; }
.timeline-step p { color: var(--ink-soft); margin: 0; }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background:
    radial-gradient(circle at 0% 0%, rgba(201, 122, 94, 0.40), transparent 60%),
    radial-gradient(circle at 100% 100%, rgba(196, 165, 132, 0.32), transparent 50%),
    linear-gradient(135deg, var(--slate), var(--slate-deep));
  color: #fff; padding: 80px 0; text-align: center;
}
.cta-banner h2 { color: #fff; margin-bottom: 14px; }
.cta-banner p { font-size: 1.12rem; opacity: .95; max-width: 640px; margin: 0 auto 28px; }

/* ---------- Page hero ---------- */
.page-hero {
  background:
    radial-gradient(circle at 88% 12%, rgba(201, 122, 94, 0.24), transparent 50%),
    radial-gradient(circle at 10% 100%, rgba(196, 165, 132, 0.24), transparent 50%),
    linear-gradient(135deg, var(--slate), var(--slate-deep));
  color: #fff; padding: 80px 0;
  position: relative; overflow: hidden;
}
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,.92); font-size: 1.14rem; max-width: 760px; }
.page-hero .eyebrow { background: rgba(255,255,255,.15); color: #fff; }
.page-hero .hashtag { background: rgba(255,255,255,.18); color: #fff; box-shadow: none; }

/* ---------- Two-up content ---------- */
.split-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 880px) { .split-2 { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--slate-deep); color: #c8d2dc;
  padding: 70px 0 30px;
}
.site-footer > .container {
  max-width: 1400px;
  width: 100%;
  padding: 0 30px;
  margin: 0 auto;
}
.site-footer h4 { color: #fff; margin-bottom: 16px; font-size: 1.05rem; }
.footer-grid {
  display: grid !important;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr !important;
  gap: 36px !important;
  align-items: start !important;
  width: 100% !important;
  max-width: 100%;
  box-sizing: border-box;
}
.footer-grid > div { min-width: 0; }
.footer-grid > .footer-bio { min-width: 0; max-width: 320px; }
.site-footer a { color: #c8d2dc; }
.site-footer a:hover { color: var(--coral); }
.footer-bio { display: flex; flex-direction: column; gap: 10px; }
.footer-bio .footer-logo {
  display: inline-flex; align-items: center; justify-content: center;
  background: #ffffff;
  padding: 10px 16px;
  border-radius: 12px;
  width: fit-content;
  max-width: 220px;
  height: auto;
  box-shadow: 0 4px 14px rgba(0,0,0,0.18);
}
.footer-bio .footer-logo img {
  height: 50px; width: auto; object-fit: contain;
  filter: none;
  mix-blend-mode: normal;
  background: transparent;
  display: block;
}
.footer-bio p { font-size: .93rem; line-height: 1.7; }
.footer-bio .footer-hashtag {
  display: inline-flex; align-items: center; gap: 6px;
  background: linear-gradient(120deg, var(--coral), #d99a7c);
  color: #fff; padding: 6px 14px; border-radius: var(--radius-pill);
  font-weight: 800; font-size: .82rem; width: fit-content;
}
.footer-bio .footer-hashtag::before { content: "🏆"; }
.footer-list { list-style: none; padding: 0; margin: 0; }
.footer-list li { padding: 5px 0; font-size: .93rem; }
.footer-bottom {
  margin-top: 46px; padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: .8rem; color: #8a93ad;
}
.footer-bottom .legal { line-height: 1.7; }
.equal-housing {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.06); padding: 6px 14px; border-radius: var(--radius-pill);
  font-size: .8rem;
}
.equal-housing::before { content: "⌂"; font-size: 1.15rem; color: #fff; }

.equal-housing-block {
  display: inline-flex; align-items: center; gap: 10px;
  margin-bottom: 6px;
}
.equal-housing-block .ehl-logo {
  width: 40px; height: 40px;
  background: #fff;
  padding: 4px;
  border-radius: 6px;
  object-fit: contain;
}
.equal-housing-block .equal-housing-text {
  font-size: .82rem; color: #c8d2dc; font-weight: 700;
  letter-spacing: .02em;
}

/* ---------- Footer social row ---------- */
.social-row {
  display: flex; gap: 8px; margin-top: 14px; flex-wrap: wrap; align-items: center;
}
.social-row a {
  width: 36px; height: 36px;
  min-width: 36px; min-height: 36px;
  flex: 0 0 36px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  display: inline-flex; align-items: center; justify-content: center;
  color: #fff; font-size: .9rem; font-weight: 700;
  transition: background .2s, transform .2s;
  box-sizing: border-box; padding: 0;
}
.social-row a:hover { background: var(--coral); color: #fff; transform: translateY(-2px); }
.social-row a svg {
  width: 16px !important; height: 16px !important;
  max-width: 16px; max-height: 16px;
  fill: currentColor; flex-shrink: 0;
}

@media (max-width: 1080px) { .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; gap: 24px; } .footer-grid > div:last-child { grid-column: 1 / -1; } }
@media (max-width: 720px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; } .footer-grid > div:last-child { grid-column: auto; } }
@media (max-width: 540px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Social Strip (above footer) ---------- */
.social-strip {
  background: var(--slate);
  padding: 50px 0;
  color: #fff;
  text-align: center;
}
.social-strip h3 { color: #fff; font-size: 1.5rem; margin-bottom: 8px; }
.social-strip p { color: rgba(255,255,255,.8); margin-bottom: 24px; }
.social-icons {
  display: flex; gap: 12px; justify-content: center; flex-wrap: wrap;
  align-items: center;
}
.social-icons a {
  width: 44px; height: 44px;
  min-width: 44px; min-height: 44px;
  flex: 0 0 44px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  display: inline-flex; align-items: center; justify-content: center;
  color: #fff; transition: all .25s;
  border: 1px solid rgba(255,255,255,.1);
  box-sizing: border-box; padding: 0;
}
.social-icons a:hover {
  transform: translateY(-2px) scale(1.04);
  border-color: rgba(255,255,255,.25);
}
.social-icons a.fb:hover { background: #1877f2; }
.social-icons a.ig:hover { background: linear-gradient(45deg, #f09433, #e6683c, #dc2743, #cc2366, #bc1888); }
.social-icons a.tt:hover { background: #000; box-shadow: 0 0 0 2px #25f4ee, 3px 3px 0 #fe2c55; }
.social-icons a.cal:hover { background: #006bff; }
.social-icons a.li:hover { background: #0a66c2; }
.social-icons a.yt:hover { background: #ff0000; }
.social-icons a svg {
  width: 18px !important; height: 18px !important;
  max-width: 18px; max-height: 18px;
  fill: currentColor; flex-shrink: 0;
}

/* ---------- Sticky mobile CTA ---------- */
.sticky-mobile-cta {
  display: none; position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--paper);
  border-top: 1px solid var(--rule);
  box-shadow: 0 -10px 30px rgba(50,74,95,.06);
  padding: 10px 12px; z-index: 999;
  gap: 8px;
}
.sticky-mobile-cta a {
  flex: 1; padding: 13px 10px; text-align: center;
  border-radius: var(--radius-pill); font-weight: 800; font-size: .92rem;
  text-decoration: none;
}
.sticky-mobile-cta .call { background: var(--cream-warm); color: var(--ink); }
.sticky-mobile-cta .qualify {
  background: linear-gradient(120deg, var(--terra), #d99a7c);
  color: #fff;
}
@media (max-width: 880px) { .sticky-mobile-cta { display: flex; } body { padding-bottom: 80px; } }

/* ---------- Modal ---------- */
.modal-shell {
  display: none; position: fixed; inset: 0;
  background: rgba(28,37,46,.78); z-index: 2000;
  align-items: center; justify-content: center; padding: 20px;
}
.modal-shell.open { display: flex; }
.modal-card {
  background: var(--paper); border-radius: var(--radius-lg); max-width: 480px; width: 100%;
  padding: 38px 32px; text-align: center;
  box-shadow: var(--shadow-lg); position: relative;
}
.modal-card .close-x {
  position: absolute; top: 12px; right: 16px;
  background: none; border: none; font-size: 1.5rem;
  color: var(--ink-soft); cursor: pointer;
}
.modal-card h3 { color: var(--ink); margin-bottom: 8px; }
.modal-card p { color: var(--ink-soft); }

/* ---------- Reviews Carousel ---------- */
.reviews-section { background: var(--cream); }
.reviews-rail {
  display: flex; gap: 22px;
  overflow-x: auto; scroll-snap-type: x mandatory;
  padding: 8px 4px 30px;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
}
.reviews-rail::-webkit-scrollbar { height: 8px; }
.reviews-rail::-webkit-scrollbar-thumb { background: var(--clay); border-radius: 4px; }
.reviews-rail::-webkit-scrollbar-track { background: var(--rule-soft); border-radius: 4px; }
.review-card {
  flex: 0 0 360px; max-width: 90vw;
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius-lg); padding: 28px;
  scroll-snap-align: start;
  display: flex; flex-direction: column; gap: 14px;
  transition: transform .2s, box-shadow .2s;
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.review-stars { color: var(--clay); font-size: 1.05rem; letter-spacing: 2px; }
.review-quote { color: var(--ink); font-size: 1rem; line-height: 1.6; font-style: italic; margin: 0; }
.review-meta {
  display: flex; align-items: center; justify-content: space-between;
  gap: 10px; padding-top: 12px; border-top: 1px solid var(--rule-soft);
  font-size: .88rem;
}
.review-meta .reviewer { font-weight: 700; color: var(--ink); }
.review-meta .reviewer-loc { color: var(--ink-soft); font-size: .82rem; }
.review-meta .source-pill {
  background: var(--cream-warm); color: var(--ink-soft);
  padding: 4px 10px; border-radius: var(--radius-pill);
  font-size: .72rem; font-weight: 700; letter-spacing: .04em;
  text-transform: uppercase;
}
.review-platforms {
  display: flex; flex-wrap: wrap; gap: 12px; justify-content: center;
  margin-top: 30px;
}
.platform-badge {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--paper); border: 1px solid var(--rule);
  padding: 12px 18px; border-radius: var(--radius-pill);
  font-weight: 700; color: var(--ink); font-size: .92rem;
  transition: all .2s;
}
.platform-badge:hover {
  border-color: var(--coral);
  color: var(--coral); transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.platform-badge .stars { color: var(--clay); letter-spacing: 1px; font-size: .82rem; }
.platform-badge .name { font-weight: 800; }
.platform-badge .pname { font-size: .72rem; color: var(--ink-soft); font-weight: 600; }

/* ---------- FAQ Accordion ---------- */
.faq-list {
  max-width: 820px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 12px;
}
.faq-item {
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 0;
  transition: border-color .2s, box-shadow .2s;
}
.faq-item[open] { border-color: var(--coral); box-shadow: var(--shadow-sm); }
.faq-item summary {
  cursor: pointer; padding: 20px 24px;
  font-weight: 700; font-size: 1.05rem; color: var(--ink);
  list-style: none; position: relative;
  padding-right: 50px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 24px; top: 50%;
  transform: translateY(-50%);
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--coral-soft); color: var(--coral-deep);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; font-weight: 700; line-height: 1;
  transition: transform .2s, background .2s;
}
.faq-item[open] summary::after { content: "−"; background: var(--coral); color: #fff; }
.faq-item p {
  margin: 0; padding: 0 24px 22px; color: var(--ink-soft);
  font-size: .98rem; line-height: 1.7;
}

/* ---------- Misc utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; } .mb-1 { margin-bottom: 1rem; } .mb-2 { margin-bottom: 2rem; }
.flex-row { display: flex; gap: 12px; flex-wrap: wrap; }

.kbd-pill {
  display: inline-block;
  background: var(--coral-soft); color: var(--coral-deep);
  padding: 5px 12px; border-radius: var(--radius-pill);
  font-weight: 800; font-size: .82rem; margin-bottom: 8px;
  letter-spacing: .04em; text-transform: uppercase;
}
.compliance-note {
  background: var(--cream-warm);
  border-left: 3px solid var(--clay);
  border-radius: var(--radius); padding: 16px 20px;
  font-size: .88rem; color: var(--ink-soft); margin: 14px 0;
}
.alert-info {
  background: var(--sage-soft);
  border-left: 3px solid var(--sage);
  border-radius: var(--radius); padding: 16px 20px; font-size: .94rem;
  color: var(--ink);
}
.alert-info strong { color: var(--sage-deep); }

/* ---------- Blog list ---------- */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.post-card {
  background: var(--paper); border-radius: var(--radius-lg);
  border: 1px solid var(--rule); overflow: hidden;
  transition: transform .2s, box-shadow .2s;
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.post-card .post-tag {
  display: inline-block; background: var(--sage-soft); color: var(--sage-deep);
  font-size: .76rem; padding: 5px 12px; border-radius: var(--radius-pill);
  font-weight: 800; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 12px;
}
.post-card .post-body { padding: 26px; }
.post-card h3 { font-size: 1.18rem; margin-bottom: 8px; color: var(--ink); }
.post-card a.read-more { color: var(--coral); font-weight: 800; }
@media (max-width: 880px) { .post-grid { grid-template-columns: 1fr; } }

/* ---------- City page list ---------- */
.city-list { columns: 2; column-gap: 30px; }
.city-list a { display: block; padding: 7px 0; font-weight: 600; color: var(--ink); }
.city-list a:hover { color: var(--coral); }
@media (max-width: 600px) { .city-list { columns: 1; } }

/* ---------- Buyer Path Selector & Feature Cards (lost rules restored) ---------- */
.section { padding: 80px 0; background: var(--paper); }
.section-bg { background: var(--cream); }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 50px; }
.section-head p.lead { font-size: 1.12rem; color: var(--ink-soft); }

.path-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}
.path-card {
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius-lg); padding: 30px 26px;
  text-align: left; transition: all .25s ease;
  display: flex; flex-direction: column; gap: 8px;
  text-decoration: none; color: var(--ink);
  position: relative; overflow: hidden;
}
.path-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--terra), var(--clay), var(--sage));
  opacity: 0; transition: opacity .25s;
}
.path-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); color: var(--ink); }
.path-card:hover::before { opacity: 1; }
.path-card .icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg, var(--coral-soft), var(--clay-soft));
  color: var(--coral-deep);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 8px;
}
.path-card:nth-child(2) .icon { background: linear-gradient(135deg, var(--sage-soft), var(--cream-warm)); color: var(--sage-deep); }
.path-card:nth-child(3) .icon { background: linear-gradient(135deg, var(--clay-soft), var(--blush)); color: var(--clay-deep); }
.path-card:nth-child(4) .icon { background: linear-gradient(135deg, var(--lavender), var(--cream-warm)); color: #6b5494; }
.path-card:nth-child(5) .icon { background: linear-gradient(135deg, var(--blush), var(--coral-soft)); color: var(--coral-deep); }
.path-card:nth-child(6) .icon { background: linear-gradient(135deg, var(--sage-soft), var(--lavender)); color: var(--sage-deep); }
.path-card h3 { margin: 4px 0 6px; color: var(--ink); font-size: 1.18rem; }
.path-card p { margin: 0; color: var(--ink-soft); font-size: .96rem; }
.path-card .arrow { color: var(--coral); font-weight: 800; font-size: .9rem; margin-top: auto; padding-top: 10px; }
@media (max-width: 880px) { .path-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .path-grid { grid-template-columns: 1fr; } }

.feature-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  background: var(--paper); border-radius: var(--radius-lg);
  padding: 32px 26px; border: 1px solid var(--rule);
}
.feature-card .icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg, var(--terra), #d99a7c);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 18px;
}
.feature-card:nth-child(2) .icon { background: linear-gradient(135deg, var(--sage), #afc1ae); }
.feature-card:nth-child(3) .icon { background: linear-gradient(135deg, var(--clay), #d6bb98); }
.feature-card h3 { color: var(--ink); }
@media (max-width: 880px) { .feature-row { grid-template-columns: 1fr; } }

/* ---------- Credibility Strip ---------- */
.credibility-strip {
  background: var(--slate);
  color: #fff; padding: 30px 0;
  position: relative;
}
.credibility-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; align-items: center;
}
.cred-item { text-align: center; padding: 4px 14px; }
.cred-item:not(:last-child) { border-right: 1px solid rgba(255,255,255,.16); }
.cred-item .num {
  font-weight: 900; font-size: 1.55rem;
  color: var(--clay); display: block; line-height: 1.1;
  letter-spacing: -.02em;
}
.cred-item .label { color: rgba(255,255,255,.85); font-size: .9rem; }
@media (max-width: 720px) {
  .credibility-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .cred-item { border-right: none !important; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(circle at 12% 18%, rgba(201, 122, 94, 0.16), transparent 50%),
    radial-gradient(circle at 88% 12%, rgba(155, 176, 155, 0.18), transparent 55%),
    radial-gradient(circle at 50% 95%, rgba(196, 165, 132, 0.18), transparent 55%),
    linear-gradient(180deg, var(--cream) 0%, var(--cream-tint) 100%);
  padding: 80px 0 90px;
  overflow: hidden;
}
.hero-grid {
  display: grid; grid-template-columns: 1.25fr 1fr;
  gap: 60px; align-items: center;
  position: relative; z-index: 2;
}
.hero h1 { color: var(--ink); margin-bottom: 22px; }
.hero h1 .accent {
  background: linear-gradient(120deg, var(--terra), #d99a7c 60%, var(--clay));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero .sub { font-size: 1.18rem; color: var(--ink-soft); margin-bottom: 30px; max-width: 600px; }
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { margin-top: 28px; display: flex; flex-wrap: wrap; gap: 8px; }
.hero-trust .chip {
  background: var(--paper); border: 1px solid var(--rule);
  padding: 8px 14px; border-radius: var(--radius-pill);
  font-size: .85rem; font-weight: 600; color: var(--ink-soft);
  display: inline-flex; align-items: center; gap: 6px;
}
.hero-photo {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  background: linear-gradient(135deg, var(--slate), var(--terra));
  border: 6px solid var(--paper);
}
.hero-photo img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
}
.hero-photo .badge {
  position: absolute; bottom: 18px; left: 18px; right: 18px;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  padding: 14px 18px; border-radius: var(--radius);
  display: flex; gap: 14px; align-items: center;
  box-shadow: var(--shadow);
}
.hero-photo .badge .badge-name { font-weight: 800; color: var(--ink); font-size: 1rem; line-height: 1.15; }
.hero-photo .badge .badge-role { font-size: .82rem; color: var(--ink-soft); }
.hero-photo .badge .badge-logo {
  height: 44px; width: 100px;
  background: transparent;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-photo .badge .badge-logo img {
  width: 100%; height: 100%; object-fit: contain;
  mix-blend-mode: multiply;
}
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero { padding: 50px 0 70px; }
  .hero-photo { max-width: 420px; margin: 0 auto; }
}

/* ---------- Form/Questionnaire ---------- */
.q-shell {
  max-width: 760px; margin: 0 auto;
  background: var(--paper); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); padding: 44px 36px;
  border: 1px solid var(--rule);
}
.q-progress { display: flex; gap: 6px; margin-bottom: 30px; }
.q-progress .seg {
  flex: 1; height: 8px; border-radius: 4px;
  background: var(--rule); transition: background .3s;
}
.q-progress .seg.active { background: linear-gradient(90deg, var(--terra), var(--clay)); }
.q-progress .seg.done { background: var(--sage); }
.q-step { display: none; }
.q-step.active { display: block; animation: fadeUp .3s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.q-step h2 { color: var(--ink); font-size: 1.5rem; margin-bottom: 8px; }
.q-step .help { color: var(--ink-soft); margin-bottom: 22px; font-size: .98rem; }
.q-options { display: grid; gap: 10px; margin-bottom: 24px; }
.q-options label {
  display: block; padding: 16px 20px;
  border: 2px solid var(--rule); border-radius: var(--radius);
  cursor: pointer; transition: all .2s; background: var(--paper);
  font-weight: 600;
}
.q-options label:hover { border-color: var(--sage); background: var(--sage-soft); }
.q-options input[type=radio] { margin-right: 10px; accent-color: var(--coral); }
.q-options label.selected { border-color: var(--coral); background: var(--coral-soft); color: var(--ink); }
.q-shell input[type=text],
.q-shell input[type=email],
.q-shell input[type=tel],
.q-shell select,
.q-shell input[type=number] {
  width: 100%; padding: 14px 18px; border: 2px solid var(--rule);
  border-radius: var(--radius); font-size: 1rem; font-family: inherit;
  background: var(--paper); transition: border .2s, box-shadow .2s;
}
.q-shell input:focus, .q-shell select:focus {
  outline: none; border-color: var(--coral);
  box-shadow: 0 0 0 4px var(--coral-soft);
}
.q-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 18px; }
.q-actions .btn-back {
  background: transparent; color: var(--ink-soft); border-color: var(--rule);
  box-shadow: none;
}
.q-actions .btn-back:hover { color: var(--ink); border-color: var(--ink); background: transparent; transform: none; box-shadow: none; }
.q-success {
  background: var(--paper);
  border: 2px solid var(--sage);
  border-radius: var(--radius-lg); padding: 40px;
  text-align: center; max-width: 720px; margin: 0 auto;
}
.q-success h2 { color: var(--ink); }
.q-success .compliance {
  font-size: .85rem; color: var(--ink-soft); margin-top: 14px;
  background: var(--cream); padding: 14px; border-radius: var(--radius);
  text-align: left;
}

.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; }
@media (max-width: 880px) { .calc-grid { grid-template-columns: 1fr; } }

/* ---------- Non-QM Tabs ---------- */
.tabs {
  display: flex; flex-wrap: wrap; gap: 10px;
  justify-content: center; margin: 0 0 36px;
}
.tab-btn {
  padding: 12px 22px;
  background: var(--paper);
  border: 2px solid var(--rule);
  border-radius: var(--radius-pill);
  font-weight: 700; font-size: .94rem;
  color: var(--ink); cursor: pointer;
  font-family: inherit;
  transition: all .2s;
}
.tab-btn:hover { border-color: var(--terra); color: var(--terra-deep); }
.tab-btn.active {
  background: var(--ink); color: #fff;
  border-color: var(--ink);
  box-shadow: var(--shadow-sm);
}
.tab-panels { max-width: 1100px; margin: 0 auto; }
.tab-panel { display: none; animation: fadeUp .3s ease; }
.tab-panel.active { display: block; }
.tab-panel .lead-text {
  font-size: 1.08rem; font-weight: 600; color: var(--ink-soft);
  margin-bottom: 14px;
}
@media (max-width: 720px) {
  .tabs { gap: 6px; }
  .tab-btn { padding: 10px 16px; font-size: .85rem; }
}

/* ---------- Quick Tabs Strip (homepage above-the-fold programs) ---------- */
.quick-tabs-section {
  background: var(--cream);
  padding: 36px 0 30px;
}
.quick-tabs {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px;
}
.quick-tab {
  background: var(--paper);
  border: 1.5px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: 22px 22px 20px;
  display: flex; flex-direction: column; gap: 4px;
  text-decoration: none; color: var(--ink);
  position: relative; overflow: hidden;
  transition: transform .2s, border-color .2s, box-shadow .2s;
}
.quick-tab::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: linear-gradient(180deg, var(--terra), var(--clay));
}
.quick-tab:hover {
  transform: translateY(-3px);
  border-color: var(--terra);
  box-shadow: var(--shadow);
  color: var(--ink);
}
.quick-tab .qt-badge {
  display: inline-block;
  background: var(--terra-soft);
  color: var(--terra-deep);
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  font-size: .72rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: .04em;
  width: fit-content;
  margin-bottom: 6px;
}
.quick-tab .qt-title {
  font-weight: 900; font-size: 1.1rem;
  color: var(--ink); line-height: 1.15;
}
.quick-tab .qt-sub {
  font-size: .88rem; color: var(--ink-soft);
  line-height: 1.5; margin-top: 4px;
}
@media (max-width: 980px) {
  .quick-tabs { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .quick-tabs { grid-template-columns: 1fr; }
}

/* ---------- In-House DPA Search ---------- */
.dpa-search-shell {
  max-width: 1080px; margin: 0 auto;
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.dpa-search-row {
  display: flex; flex-wrap: wrap; gap: 16px;
  margin-bottom: 22px;
}
.dpa-results {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px;
  max-height: 640px; overflow-y: auto;
  padding-right: 4px;
}
.dpa-results::-webkit-scrollbar { width: 8px; }
.dpa-results::-webkit-scrollbar-thumb { background: var(--clay); border-radius: 4px; }
.dpa-empty {
  grid-column: 1 / -1;
  text-align: center;
  color: var(--ink-soft);
  padding: 30px;
  background: var(--cream);
  border-radius: var(--radius);
}
.dpa-card {
  border: 1px solid var(--rule);
  border-left: 4px solid var(--terra);
  border-radius: var(--radius);
  padding: 18px 18px 16px;
  background: var(--paper);
}
.dpa-card .dpa-head {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 6px; gap: 8px;
}
.dpa-card .dpa-cat {
  background: var(--sage-soft); color: var(--sage-deep);
  font-size: .7rem; font-weight: 800;
  padding: 3px 10px; border-radius: var(--radius-pill);
  text-transform: uppercase; letter-spacing: .04em;
}
.dpa-card .dpa-state {
  font-size: .78rem; color: var(--ink-soft); font-weight: 700;
}
.dpa-card h3 {
  font-size: 1rem; line-height: 1.3; margin-bottom: 6px; color: var(--ink);
}
.dpa-card .dpa-amount {
  font-weight: 900; color: var(--terra-deep);
  font-size: 1.05rem; margin-bottom: 8px;
}
.dpa-card p {
  font-size: .88rem; color: var(--ink-soft); margin: 0; line-height: 1.5;
}
.dpa-meta {
  margin-top: 16px; text-align: center;
  font-size: .82rem; color: var(--ink-soft);
}
@media (max-width: 720px) {
  .dpa-results { grid-template-columns: 1fr; }
}

/* ---------- Floating Bubbles (Calendly + SMS Chat) ---------- */
.float-bubbles {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 990;
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: flex-end;
  pointer-events: none;
}
.float-bubble {
  pointer-events: auto;
  display: inline-flex; align-items: center; gap: 10px;
  background: linear-gradient(120deg, var(--terra), #d99a7c);
  color: #fff !important;
  padding: 12px 20px 12px 14px;
  border-radius: var(--radius-pill);
  font-weight: 800; font-size: .92rem;
  text-decoration: none;
  box-shadow: 0 12px 30px rgba(168, 98, 74, 0.42);
  transition: transform .25s, box-shadow .25s;
  white-space: nowrap;
  min-width: 0;
  max-width: 280px;
}
.float-bubble:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 18px 40px rgba(168, 98, 74, 0.55);
  color: #fff;
}
.float-bubble.calendly {
  background: linear-gradient(120deg, var(--slate), var(--slate-deep));
  box-shadow: 0 12px 30px rgba(50, 74, 95, 0.45);
}
.float-bubble.calendly:hover { box-shadow: 0 18px 40px rgba(50, 74, 95, 0.6); }
.float-bubble .fb-icon {
  width: 30px; height: 30px; min-width: 30px; border-radius: 50%;
  background: rgba(255,255,255,.18);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.05rem;
  flex-shrink: 0;
}
.float-bubble .fb-text {
  display: flex; flex-direction: column; line-height: 1.2;
  white-space: nowrap;
}
.float-bubble .fb-text > span:first-child {
  font-weight: 800;
  font-size: .9rem;
}
.float-bubble .fb-sub {
  font-size: .7rem; opacity: .85; font-weight: 600;
  margin-top: 2px;
}

@media (max-width: 880px) {
  .float-bubbles { bottom: 88px; right: 12px; gap: 8px; }
  .float-bubble { padding: 10px 14px 10px 12px; font-size: .85rem; }
  .float-bubble .fb-sub { display: none; }
  .float-bubble .fb-text { display: inline-block; }
}

/* ---------- Office Map ---------- */
.office-map {
  width: 100%; height: 360px; border: 0; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm); display: block;
}
.office-map-block {
  background: var(--paper); border-radius: var(--radius-lg);
  border: 1px solid var(--rule); overflow: hidden;
}
.office-map-info {
  padding: 22px 26px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.office-map-info .om-name {
  font-weight: 900; font-size: 1.05rem; color: var(--ink);
}
.office-map-info .om-addr {
  font-size: .92rem; color: var(--ink-soft);
}

/* ---------- Nav fit for 11 items ---------- */
/* Below 1500px: hide brand text entirely so nav doesn't overlap */
@media (max-width: 1500px) {
  .logo-block .brand-text { display: none; }
  .logo-block img.logo-img {
    border-right: none;
    padding-right: 0;
    margin-right: 0;
  }
}
/* Medium range: tighten nav padding */
@media (min-width: 1080px) and (max-width: 1400px) {
  .nav-main { gap: 0; }
  .nav-main a { padding: 6px 8px; font-size: .84rem; letter-spacing: 0; }
  .header-phone { font-size: .88rem; padding: 7px 12px; }
  .header-cta { gap: 10px; }
}
@media (min-width: 1401px) and (max-width: 1599px) {
  .nav-main a { padding: 8px 10px; font-size: .88rem; }
}
@media (min-width: 1600px) {
  .nav-main a { padding: 9px 12px; font-size: .92rem; }
}
/* Make sure header-inner never overflows */
.site-header .header-inner {
  flex-wrap: nowrap;
  min-width: 0;
}
.nav-main {
  flex-wrap: nowrap;
  flex: 1;
  justify-content: center;
}
@media (max-width: 1080px) {
  .nav-main { flex-wrap: wrap; }
}
.logo-block { flex-shrink: 0; }
.header-cta { flex-shrink: 0; }

/* =========================================================
   VA 2nd Use Entitlement Calculator
   ========================================================= */
.va2-calc {
  max-width: 720px; margin: 0 auto;
}
.va2-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
  margin-bottom: 18px;
}
.va2-card-body { padding: 32px 36px; }
.va2-flag-strip {
  height: 6px;
  background: linear-gradient(90deg,
    var(--slate-deep) 0%, var(--slate-deep) 33.3%,
    var(--paper) 33.3%, var(--paper) 66.6%,
    var(--terra) 66.6%, var(--terra) 100%);
}
.va2-hero-body { padding: 36px 36px 28px; text-align: center; }
.va2-badge {
  display: inline-block; font-size: .75rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--clay-deep); background: var(--clay-soft);
  border: 1px solid var(--clay);
  border-radius: var(--radius-pill);
  padding: 5px 14px; margin-bottom: 14px;
}
.va2-title {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 2rem; line-height: 1.1;
  color: var(--ink); margin: 0 0 12px;
  letter-spacing: -0.02em;
}
.va2-title em { font-style: italic; color: var(--terra); font-weight: 800; }
.va2-sub {
  font-size: 1rem; color: var(--ink-soft); line-height: 1.6;
  max-width: 500px; margin: 0 auto;
}
.va2-presenter {
  display: flex; align-items: center; gap: 14px;
  background: var(--cream); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 14px 16px;
  margin-top: 22px; text-align: left;
}
.va2-presenter-photo {
  width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover; border: 3px solid var(--clay);
  flex-shrink: 0;
}
.va2-presenter-info { flex: 1; min-width: 0; }
.va2-presenter-name { font-weight: 800; color: var(--ink); font-size: 1rem; }
.va2-presenter-title { font-size: .85rem; color: var(--ink-soft); margin-top: 2px; }
.va2-presenter-links { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 6px; }
.va2-presenter-links a {
  font-size: .85rem; font-weight: 700; color: var(--slate); text-decoration: none;
}
.va2-presenter-links a:hover { color: var(--terra); }
.va2-section-label {
  font-size: .7rem; font-weight: 800; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--terra); margin-bottom: 18px;
}
.va2-field { margin-bottom: 16px; }
.va2-field label {
  display: block; font-size: .85rem; font-weight: 700;
  color: var(--ink); margin-bottom: 6px;
}
.va2-field select, .va2-field input {
  width: 100%; height: 52px; padding: 0 14px;
  border: 1px solid var(--rule); border-radius: var(--radius-sm);
  background: var(--cream);
  font-family: inherit; font-size: 1rem; color: var(--ink);
  outline: none;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.va2-field select:focus, .va2-field input:focus {
  border-color: var(--slate); background: var(--paper);
  box-shadow: 0 0 0 3px rgba(50,74,95,0.12);
}
.va2-field select:disabled { opacity: 0.5; cursor: not-allowed; }
.va2-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.va2-hint {
  font-size: .8rem; color: var(--ink-muted);
  margin: -8px 0 16px; line-height: 1.55;
}
.va2-limit-display {
  display: none; align-items: center; gap: 8px;
  background: var(--clay-soft); border: 1px solid var(--clay);
  border-radius: var(--radius-sm); padding: 12px 14px;
  margin-bottom: 16px; font-size: .9rem; color: var(--ink); font-weight: 700;
}
.va2-limit-text { color: var(--slate-deep); font-weight: 800; }
.va2-ent-callout {
  display: none; align-items: center; gap: 10px;
  background: var(--clay-soft); border: 1px solid var(--clay);
  border-radius: var(--radius-sm); padding: 12px 16px;
  margin: -8px 0 16px;
}
.va2-ent-callout-text { font-size: .88rem; color: var(--ink); line-height: 1.5; }
.va2-ent-callout-text strong {
  font-size: 1rem; display: block; margin-top: 2px;
  color: var(--slate-deep); font-weight: 800;
}
.va2-help-card {
  display: flex; align-items: center; gap: 16px;
  background: var(--cream); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 16px;
  margin: 18px 0 22px;
}
.va2-help-card img {
  width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover; border: 3px solid var(--clay);
  flex-shrink: 0;
}
.va2-help-card h4 {
  font-size: 1.05rem; color: var(--ink); margin: 0 0 4px;
  font-weight: 800;
}
.va2-help-card h4 em { font-style: italic; color: var(--terra); }
.va2-help-card p {
  font-size: .85rem; color: var(--ink-soft); margin: 0 0 10px;
  line-height: 1.5;
}
.va2-help-links { display: flex; gap: 8px; flex-wrap: wrap; }
.va2-help-link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 16px; border-radius: var(--radius-sm);
  font-size: .82rem; font-weight: 700; text-decoration: none;
  border: 1px solid transparent;
  transition: opacity .15s;
}
.va2-help-link.phone { background: var(--terra); color: #fff; }
.va2-help-link.email { background: var(--paper); color: var(--slate-deep); border-color: var(--rule); }
.va2-help-link:hover { opacity: .85; }
.va2-calc-btn, .va2-gate-btn {
  width: 100%; height: 56px; margin-top: 4px;
  background: var(--ink);
  color: #fff; font-family: inherit;
  font-size: 1.05rem; font-weight: 800;
  border: none; border-radius: var(--radius-sm);
  cursor: pointer; letter-spacing: .01em;
  transition: opacity .2s, transform .12s;
}
.va2-calc-btn:hover, .va2-gate-btn:hover { background: var(--ink-deep); }
.va2-calc-btn:active, .va2-gate-btn:active { transform: scale(0.99); }
.va2-results { display: none; }
.va2-results.show { display: block; }
.va2-summary-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px;
  margin-bottom: 20px;
}
.va2-metric {
  background: var(--cream); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 16px 12px; text-align: center;
}
.va2-metric .va2-mlabel {
  font-size: .7rem; font-weight: 800; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--ink-soft); margin-bottom: 6px;
}
.va2-metric .va2-mval {
  font-weight: 900; font-size: 1.35rem; color: var(--ink);
  letter-spacing: -.02em;
}
.va2-alert {
  padding: 14px 16px; border-radius: var(--radius-sm);
  font-size: .9rem; line-height: 1.6; margin-top: 4px;
}
.va2-alert-success { background: var(--sage-soft); border: 1px solid var(--sage); color: var(--ink); }
.va2-alert-warn { background: var(--terra-soft); border: 1px solid var(--terra); color: var(--terra-deep); }
.va2-detail-table { width: 100%; border-collapse: collapse; font-size: .9rem; }
.va2-detail-table tr:not(:last-child) { border-bottom: 1px solid var(--rule); }
.va2-detail-table td { padding: 10px 4px; color: var(--ink-soft); }
.va2-detail-table td:last-child { text-align: right; font-weight: 700; color: var(--ink); }
.va2-detail-table tr.va2-highlight td {
  color: var(--terra); font-weight: 800; font-size: 1rem;
}
.va2-steps div { font-size: .88rem; color: var(--ink-soft); line-height: 1.85; padding: 2px 0; }
.va2-steps strong { color: var(--ink); }
.va2-cta {
  padding: 32px 36px; text-align: center;
  background: linear-gradient(135deg, var(--slate-deep) 0%, var(--terra) 100%);
}
.va2-cta h3 {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 1.5rem; color: #fff;
  margin: 0 0 8px; letter-spacing: -.02em;
}
.va2-cta p { font-size: .9rem; color: rgba(255,255,255,.85); margin: 0 0 18px; }
.va2-cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.va2-cta-btn {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 11px 22px; border-radius: var(--radius-sm);
  font-size: .9rem; font-weight: 700; text-decoration: none;
  transition: opacity .15s;
}
.va2-cta-btn.phone { background: var(--paper); color: var(--ink); }
.va2-cta-btn.email { background: rgba(255,255,255,0.15); color: #fff; border: 1px solid rgba(255,255,255,0.3); }
.va2-cta-btn:hover { opacity: .88; }
.va2-faq-q {
  font-size: .95rem; font-weight: 800; color: var(--ink);
  margin: 18px 0 4px;
}
.va2-faq-q:first-of-type { margin-top: 0; }
.va2-faq-a { font-size: .88rem; color: var(--ink-soft); line-height: 1.6; }
.va2-gate-wrap { display: none; }
.va2-gate-header {
  display: flex; align-items: flex-start; gap: 14px; margin-bottom: 12px;
}
.va2-gate-icon {
  width: 44px; height: 44px; border-radius: var(--radius-sm);
  background: var(--clay-soft); border: 1px solid var(--clay);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; color: var(--clay-deep); font-size: 1.4rem;
}
.va2-gate-title {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 1.3rem; color: var(--ink);
  letter-spacing: -.02em; line-height: 1.2;
}
.va2-gate-title em { font-style: italic; color: var(--terra); }
.va2-gate-sub {
  font-size: .9rem; color: var(--ink-soft);
  line-height: 1.6; margin-bottom: 18px;
}
.va2-gate-note {
  margin-top: 14px; font-size: .78rem; color: var(--ink-muted); line-height: 1.5;
}
@media (max-width: 600px) {
  .va2-card-body, .va2-hero-body, .va2-cta { padding: 24px 20px; }
  .va2-title { font-size: 1.65rem; }
  .va2-row { grid-template-columns: 1fr; }
  .va2-summary-grid { grid-template-columns: 1fr; }
}

/* =========================================================
   DPA Pill in header + Homepage DPA Spotlight Banner
   ========================================================= */
.header-dpa {
  display: inline-flex; align-items: center; gap: 6px;
  background: linear-gradient(135deg, #c97a5e 0%, #a8624a 100%);
  color: #fff !important; font-weight: 700; font-size: .85rem;
  padding: 8px 14px; border-radius: 999px;
  text-decoration: none !important;
  box-shadow: 0 4px 14px rgba(201, 122, 94, 0.35);
  transition: transform .15s, box-shadow .15s;
  white-space: nowrap; letter-spacing: .01em;
}
.header-dpa:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(201, 122, 94, 0.45);
  color: #fff !important;
  text-decoration: none !important;
}
@media (max-width: 980px) { .header-dpa { font-size: .78rem; padding: 7px 11px; } }
@media (max-width: 720px) { .header-dpa { display: none; } }

.dpa-spotlight {
  background: linear-gradient(135deg, #243646 0%, #324a5f 100%);
  padding: 56px 0; color: #fff;
  border-top: 4px solid #c4a584;
  border-bottom: 4px solid #c97a5e;
  position: relative; overflow: hidden;
}
.dpa-spotlight-inner {
  display: grid; grid-template-columns: 1.5fr 1fr;
  gap: 50px; align-items: center;
}
.dpa-spotlight-tag {
  display: inline-block;
  font-size: .75rem; font-weight: 800; letter-spacing: .14em;
  text-transform: uppercase; color: #ede0cd;
  background: rgba(196, 165, 132, 0.15);
  border: 1px solid rgba(196, 165, 132, 0.4);
  border-radius: 999px; padding: 6px 14px; margin-bottom: 16px;
}
.dpa-spotlight-text h2 {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-size: 2.4rem; font-weight: 800; line-height: 1.1;
  color: #fff; margin: 0 0 16px; letter-spacing: -.025em;
}
.dpa-spotlight-text h2 em {
  font-style: italic;
  background: linear-gradient(120deg, #c97a5e, #d99a7c 60%, #c4a584);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.dpa-spotlight-text p {
  font-size: 1.05rem; line-height: 1.65;
  color: rgba(255,255,255,.85); margin: 0; max-width: 580px;
}
.dpa-spotlight-cta-wrap { text-align: center; }
.dpa-spotlight-btn {
  display: inline-block;
  background: #c97a5e !important; color: #fff !important;
  border: none; padding: 18px 32px;
  font-size: 1.15rem; font-weight: 800;
  border-radius: 12px; text-decoration: none !important;
  box-shadow: 0 8px 24px rgba(201, 122, 94, 0.4);
  transition: transform .15s, box-shadow .15s;
}
.dpa-spotlight-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(201, 122, 94, 0.55); }
.dpa-spotlight-fine { margin-top: 14px; font-size: .82rem; color: rgba(255,255,255,.65); }
@media (max-width: 880px) {
  .dpa-spotlight-inner { grid-template-columns: 1fr; gap: 30px; text-align: center; }
  .dpa-spotlight-text p { margin: 0 auto; }
  .dpa-spotlight-text h2 { font-size: 1.9rem; }
  .dpa-spotlight { padding: 44px 0; }
}

/* ===== Author Meta Ribbon (E-E-A-T for AI search) ===== */
.author-meta-ribbon {
  background: #2a3540; color: rgba(255,255,255,.85);
  font-size: .78rem; padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.author-meta-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; flex-wrap: wrap;
}
.author-meta-text strong { color: #fff; font-weight: 700; }
.author-meta-date { color: rgba(255,255,255,.65); font-size: .76rem; }
@media (max-width: 600px) {
  .author-meta-ribbon { font-size: .7rem; padding: 6px 0; }
  .author-meta-inner { justify-content: center; text-align: center; }
}

/* ===== Related Programs internal-linking section ===== */
.related-programs-section {
  background: #faf6f0; padding: 50px 0;
  border-top: 1px solid #e8e0d3;
}
.related-programs-heading {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-size: 1.7rem; font-weight: 800; color: #2a3540;
  margin: 0 0 26px; letter-spacing: -.02em; text-align: center;
}
.related-programs-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px;
}
.related-card {
  background: #fff; border: 1px solid #e8e0d3;
  border-radius: 14px; padding: 18px 16px;
  text-decoration: none !important; color: #2a3540;
  transition: transform .15s, box-shadow .15s, border-color .15s;
  text-align: center;
  display: flex; align-items: center; justify-content: center;
  min-height: 76px;
}
.related-card strong {
  font-size: .92rem; font-weight: 700; line-height: 1.3;
  color: #2a3540;
}
.related-card:hover {
  transform: translateY(-2px);
  border-color: #c97a5e;
  box-shadow: 0 10px 24px rgba(50,74,95,0.10);
}
@media (max-width: 880px) {
  .related-programs-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .related-programs-grid { grid-template-columns: 1fr; }
}

/* ===== Reviews Trust Bar, 6-platform showcase ===== */
.reviews-trust-section {
  padding: 60px 0;
  background: linear-gradient(180deg, var(--paper) 0%, var(--cream) 100%);
  border-top: 1px solid var(--rule);
}
.reviews-trust-head { text-align: center; max-width: 720px; margin: 0 auto 36px; }
.reviews-trust-eyebrow {
  display: inline-block;
  font-size: .75rem; font-weight: 800; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--clay-deep);
  background: var(--clay-soft);
  border-radius: var(--radius-pill); padding: 5px 14px;
  margin-bottom: 14px;
}
.reviews-trust-head h2 {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 2rem; line-height: 1.15;
  margin: 0 0 14px; color: var(--ink); letter-spacing: -.02em;
}
.reviews-trust-head h2 em {
  font-style: italic;
  background: linear-gradient(120deg, var(--terra), #d99a7c 60%, var(--clay));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.reviews-trust-lead {
  font-size: 1.05rem; color: var(--ink-soft); line-height: 1.65;
  max-width: 600px; margin: 0 auto;
}
.reviews-trust-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
  max-width: 1100px; margin: 0 auto;
}
.review-platform-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  text-decoration: none !important;
  color: var(--ink) !important;
  display: flex; flex-direction: column; align-items: center;
  gap: 8px; text-align: center;
  transition: transform .15s, box-shadow .15s, border-color .15s;
  position: relative; overflow: hidden;
}
.review-platform-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: var(--terra);
}
.review-platform-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 32px rgba(50,74,95,0.12);
  border-color: var(--terra);
}
.rpc-platform {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 1.15rem; color: var(--ink);
  letter-spacing: -.01em;
}
.rpc-stars {
  font-size: 1.4rem; color: #f5b400; letter-spacing: 2px;
}
.rpc-cta {
  font-size: .82rem; font-weight: 700; color: var(--terra-deep);
  margin-top: 4px;
}
.review-platform-google::before { background: #4285f4; }
.review-platform-zillow::before { background: #1277e1; }
.review-platform-yelp::before { background: #d32323; }
.review-platform-birdeye::before { background: #4d65d6; }
.review-platform-experience::before { background: #6b46c1; }
.review-platform-fastexpert::before { background: #f59e0b; }
.reviews-trust-footer { text-align: center; margin-top: 36px; }
@media (max-width: 880px) {
  .reviews-trust-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-trust-head h2 { font-size: 1.65rem; }
}
@media (max-width: 480px) {
  .reviews-trust-grid { grid-template-columns: 1fr; }
}

/* ===== Featured Reviews Carousel ===== */
.featured-reviews-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
  max-width: 1100px; margin: 0 auto;
}
.featured-review-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: 24px 22px;
  display: flex; flex-direction: column;
  box-shadow: 0 4px 14px rgba(50,74,95,0.06);
  position: relative;
}
.frc-stars {
  font-size: 1.2rem; color: #f5b400; letter-spacing: 2px;
  margin-bottom: 12px;
}
.frc-quote {
  font-size: .95rem; color: var(--ink); line-height: 1.55;
  font-style: italic; margin: 0 0 18px; flex: 1;
}
.frc-attribution {
  display: flex; align-items: center; gap: 10px;
  padding-top: 14px; border-top: 1px solid var(--rule);
  flex-wrap: wrap;
}
.frc-platform-tag {
  font-size: .7rem; font-weight: 800; letter-spacing: .08em;
  text-transform: uppercase; padding: 4px 9px;
  border-radius: 6px; color: #fff;
}
.platform-google { background: #4285f4; }
.platform-zillow { background: #1277e1; }
.platform-yelp { background: #d32323; }
.platform-birdeye { background: #4d65d6; }
.platform-experience { background: #6b46c1; }
.platform-fastexpert { background: #f59e0b; }
.frc-author {
  font-size: .78rem; color: var(--ink-soft);
  font-weight: 600;
}
@media (max-width: 880px) {
  .featured-reviews-grid { grid-template-columns: 1fr; }
}

/* ===== Gold Award Banner - bold standout ===== */
.gold-award-banner {
  display: flex; align-items: center; gap: 28px;
  max-width: 760px; margin: 36px auto 0;
  padding: 32px 36px;
  background: linear-gradient(135deg, #fef3c7 0%, #fde68a 35%, #f5e0a0 100%);
  border: 3px solid #c4a584;
  border-radius: 24px;
  box-shadow: 0 14px 40px rgba(196, 165, 132, 0.35);
  position: relative; overflow: hidden;
}
.gold-award-banner::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 5px;
  background: linear-gradient(90deg, #c4a584 0%, #f5d77a 50%, #c4a584 100%);
}
.gold-award-trophy {
  font-size: 4rem; line-height: 1;
  filter: drop-shadow(0 4px 8px rgba(0,0,0,0.15));
  flex-shrink: 0;
}
.gold-award-text { flex: 1; text-align: left; }
.gold-award-tag {
  display: inline-block;
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-size: .75rem; font-weight: 900;
  letter-spacing: 0.22em; color: #8b6914;
  background: rgba(255,255,255,0.6);
  padding: 4px 12px; border-radius: 999px;
  border: 1px solid #c4a584;
  margin-bottom: 8px;
}
.gold-award-title {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-size: 1.55rem; font-weight: 900; line-height: 1.15;
  color: #2a3540; letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.gold-award-years {
  display: flex; gap: 10px; margin-bottom: 10px;
}
.gold-award-year {
  background: #2a3540; color: #fff;
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-size: 1.05rem; font-weight: 900;
  padding: 6px 16px; border-radius: 8px;
  letter-spacing: 0.02em;
  box-shadow: 0 3px 8px rgba(42,53,64,0.25);
}
.gold-award-sub {
  font-size: .88rem; color: #5a4a2e;
  font-weight: 600;
  font-style: italic;
}
@media (max-width: 680px) {
  .gold-award-banner { flex-direction: column; text-align: center; gap: 18px; padding: 28px 24px; }
  .gold-award-text { text-align: center; }
  .gold-award-years { justify-content: center; }
  .gold-award-title { font-size: 1.3rem; }
  .gold-award-trophy { font-size: 3.2rem; }
}


/* ===== Cookie consent banner ===== */
#cookie-consent-banner {
  position: fixed; bottom: 16px; left: 16px; right: 16px;
  max-width: 760px; margin: 0 auto;
  background: var(--ink-deep); color: #fff;
  border-radius: 14px; padding: 18px 22px;
  box-shadow: 0 16px 50px rgba(0,0,0,0.35);
  z-index: 10000;
  border: 1px solid rgba(255,255,255,0.1);
  font-size: .92rem; line-height: 1.5;
}
.cookie-consent-inner {
  display: flex; gap: 18px; align-items: center; justify-content: space-between;
  flex-wrap: wrap;
}
.cookie-consent-text { flex: 1; min-width: 280px; }
.cookie-consent-text strong { color: #fff; }
.cookie-consent-text span { color: rgba(255,255,255,0.78); display: block; margin-top: 4px; font-size: .85rem; }
.cookie-consent-text a { color: var(--clay-soft); text-decoration: underline; }
.cookie-consent-actions { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-btn {
  padding: 10px 18px; border-radius: 8px;
  font-weight: 700; font-size: .85rem;
  cursor: pointer; border: none;
  transition: opacity .15s, transform .12s;
  font-family: inherit;
}
.cookie-btn:hover { opacity: 0.88; }
.cookie-btn:active { transform: scale(0.98); }
.cookie-btn-accept { background: var(--terra); color: #fff; }
.cookie-btn-decline { background: rgba(255,255,255,0.08); color: #fff; border: 1px solid rgba(255,255,255,0.2); }
@media (max-width: 640px) {
  #cookie-consent-banner { bottom: 8px; left: 8px; right: 8px; padding: 14px 16px; }
  .cookie-consent-inner { flex-direction: column; align-items: stretch; gap: 12px; }
  .cookie-consent-actions { justify-content: stretch; }
  .cookie-btn { flex: 1; }
}


/* ===== Newsletter Strip ===== */
.newsletter-strip {
  background: linear-gradient(135deg, var(--cream-warm) 0%, var(--clay-soft) 100%);
  padding: 40px 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.newsletter-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px; flex-wrap: wrap; max-width: 1080px;
}
.newsletter-text { flex: 1; min-width: 280px; }
.newsletter-text h3 {
  font-family: 'Plus Jakarta Sans','Inter',sans-serif;
  font-weight: 800; font-size: 1.4rem; color: var(--ink);
  margin: 0 0 6px; letter-spacing: -.02em;
}
.newsletter-text p { color: var(--ink-soft); margin: 0; font-size: .95rem; line-height: 1.5; }
.newsletter-form {
  display: flex; gap: 10px; flex: 1; min-width: 280px;
  max-width: 460px;
}
.newsletter-form input[type=email] {
  flex: 1; padding: 12px 16px;
  border: 1px solid var(--rule); border-radius: 10px;
  font-family: inherit; font-size: .95rem;
  background: var(--paper); color: var(--ink);
}
.newsletter-form input[type=email]:focus {
  outline: none; border-color: var(--terra);
  box-shadow: 0 0 0 3px rgba(201,122,94,0.15);
}
.newsletter-form .btn { padding: 12px 20px; white-space: nowrap; }
@media (max-width: 720px) {
  .newsletter-inner { flex-direction: column; align-items: stretch; }
  .newsletter-form { max-width: none; }
}


/* ===== HEADER OVERFLOW FIX ===== */
/* Force header-inner to never exceed viewport and contain all children */
.site-header .container.header-inner {
  max-width: 100%;
  padding-left: 20px;
  padding-right: 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: nowrap;
  min-width: 0;
  overflow: visible;
}
.site-header .nav-main {
  flex: 1 1 auto;
  min-width: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 2px;
}
.site-header .nav-main a {
  white-space: nowrap;
}
.site-header .header-cta {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.site-header .header-dpa,
.site-header .header-phone {
  white-space: nowrap;
}

/* On wide screens keep both pills full size but ensure they fit */
@media (min-width: 1400px) {
  .site-header .container.header-inner { padding-left: 32px; padding-right: 32px; }
}

/* On medium-wide screens (1280-1400px), tighten things up */
@media (min-width: 1100px) and (max-width: 1399px) {
  .site-header .nav-main a { font-size: .85rem; padding: 7px 8px; letter-spacing: -.01em; }
  .site-header .header-dpa { font-size: .8rem; padding: 7px 11px; }
  .site-header .header-phone { font-size: .8rem; padding: 7px 11px; }
}

/* Just below that (1080-1099px), nav wraps and pills stay full */
@media (max-width: 1099px) and (min-width: 981px) {
  .site-header .nav-main { flex-wrap: wrap; }
  .site-header .nav-main a { font-size: .82rem; padding: 6px 7px; }
  .site-header .header-dpa { font-size: .78rem; padding: 6px 10px; }
  .site-header .header-phone { font-size: .78rem; padding: 6px 10px; }
}

/* Mobile: nav collapses (hamburger does the work), pills stay visible */
@media (max-width: 980px) {
  .site-header .container.header-inner { padding: 10px 16px; gap: 10px; }
}


/* ===== Float bubbles - avoid overlap with Crisp live chat ===== */
.float-bubbles {
  bottom: 20px !important;
  right: 90px !important; /* shift left to make room for Crisp chat bubble */
  z-index: 9990 !important; /* below Crisp (which uses ~10000) */
}
@media (max-width: 720px) {
  .float-bubbles { right: 16px !important; bottom: 88px !important; } /* on mobile, stack above Crisp */
}


/* ===== DPA SPOTLIGHT on first-time-buyer page ===== */
@media (max-width: 820px) {
  .dpa-spotlight-grid {
    grid-template-columns: 1fr !important;
  }
}


/* ===== NAV DROPDOWN FIX (v15) ===== */
/* Desktop: keep hover behavior, also support click toggle */
.nav-main .has-sub.open .submenu { display: block; }

/* Mobile: dropdown collapsed by default, expand on .open */
@media (max-width: 1024px) {
  .nav-main .has-sub > a { 
    display: block;
    width: 100%;
  }
  .nav-main .has-sub > a::after { 
    content: " ▾";
    float: right;
    transition: transform .2s;
  }
  .nav-main .has-sub.open > a::after {
    content: " ▴";
  }
  .nav-main .submenu {
    display: none !important;
    padding-left: 22px;
    margin-top: 4px;
  }
  .nav-main .has-sub.open .submenu {
    display: block !important;
  }
  .nav-main .has-sub:hover .submenu {
    display: none !important;
  }
  .nav-main .has-sub.open:hover .submenu {
    display: block !important;
  }
}

/* ===== HIDE FLOATING BUBBLES WHEN MOBILE MENU IS OPEN ===== */
@media (max-width: 1024px) {
  body:has(.nav-main.open) .float-bubbles,
  body:has(.nav-main.open) #crisp-chatbox,
  body:has(.nav-main.open) .crisp-client {
    display: none !important;
  }
}


/* ===== FLAT NAV FIT (v16) - 18 items in header ===== */
.nav-main a {
  padding: 8px 10px !important;
  font-size: .88rem !important;
  letter-spacing: 0 !important;
}
@media (max-width: 1500px) {
  .nav-main a { padding: 7px 8px !important; font-size: .82rem !important; }
}
@media (max-width: 1280px) {
  .nav-main a { padding: 6px 7px !important; font-size: .78rem !important; }
}
/* Below this width the hamburger menu kicks in (existing rule at 1024px) */


/* ===== MENU TOGGLE BULLETPROOF (v18) ===== */
.menu-toggle {
  position: relative;
  z-index: 10001 !important;
  min-width: 44px;
  min-height: 44px;
  touch-action: manipulation;
  -webkit-tap-highlight-color: rgba(201, 122, 94, 0.5);
}

/* When menu is open, raise the toggle above EVERYTHING including the menu itself */
body.menu-is-open .menu-toggle {
  position: fixed;
  top: 12px;
  right: 16px;
  z-index: 10002 !important;
  background: var(--terra-deep, #b35c45);
  box-shadow: 0 4px 16px rgba(0,0,0,.4);
}

/* Prevent body scroll when menu is open (so users don't lose the close button) */
body.menu-is-open {
  overflow: hidden;
}

/* Make the open menu scrollable internally if items overflow */
@media (max-width: 1024px) {
  .nav-main.open {
    max-height: calc(100vh - 60px);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
}


/* ===== NEW HEADER STRUCTURE (v20) ===== */
/* Loan Options dropdown trigger - styled like a nav link */
.has-sub-trigger {
  background: transparent;
  border: none;
  color: #fff;
  padding: 8px 10px;
  font-weight: 800;
  font-size: .88rem;
  font-family: inherit;
  letter-spacing: 0;
  cursor: pointer;
  border-radius: var(--radius-pill, 999px);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
  transition: background .2s, color .2s, transform .15s;
}
.has-sub-trigger:hover,
.has-sub.open .has-sub-trigger {
  background: var(--terra, #c97a5e);
  color: #fff;
}
.has-sub-trigger .caret {
  font-size: .7rem;
  transition: transform .2s;
}
.has-sub.open .has-sub-trigger .caret {
  transform: rotate(180deg);
}

/* Dropdown submenu - polished card style */
.nav-main .has-sub {
  position: relative;
}
.nav-main .submenu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 260px;
  background: #ffffff;
  border: 1px solid #e8e0d3;
  border-radius: 12px;
  padding: 8px;
  box-shadow: 0 16px 40px rgba(0,0,0,.18), 0 2px 8px rgba(0,0,0,.06);
  z-index: 100;
}
.nav-main .has-sub.open .submenu,
.nav-main .has-sub:hover .submenu {
  display: block;
}
.nav-main .submenu a {
  display: block !important;
  padding: 10px 14px !important;
  border-radius: 8px !important;
  font-size: .92rem !important;
  color: #1c252e !important;
  font-weight: 600 !important;
  text-decoration: none;
  white-space: nowrap;
  background: transparent !important;
}
.nav-main .submenu a:hover {
  background: var(--terra-soft, #f7e8df) !important;
  color: var(--terra-deep, #b35c45) !important;
  transform: none !important;
}

/* Schedule a Call button (new right-side pill) */
.header-schedule {
  color: #fff;
  font-weight: 800;
  font-size: .82rem;
  white-space: nowrap;
  background: rgba(255,255,255,.12);
  padding: 7px 13px;
  border-radius: var(--radius-pill, 999px);
  border: 1px solid rgba(255,255,255,.2);
  transition: background .2s, transform .15s;
  text-decoration: none;
}
.header-schedule:hover {
  background: rgba(255,255,255,.22);
  color: #fff;
  transform: translateY(-1px);
}
@media (max-width: 1300px) {
  .header-schedule { font-size: .78rem; padding: 7px 11px; }
}

/* Mobile: dropdown shows inline, expanded by default */
@media (max-width: 1024px) {
  .nav-main .has-sub-trigger {
    display: block;
    width: 100%;
    text-align: left;
    padding: 14px 12px !important;
    border-bottom: 1px solid rgba(255,255,255,.08);
    border-radius: 0;
    font-size: .98rem;
  }
  .nav-main .has-sub-trigger .caret {
    float: right;
  }
  .nav-main .has-sub.open .has-sub-trigger .caret {
    transform: rotate(180deg);
  }
  .nav-main .submenu {
    display: none !important;
    position: static;
    background: rgba(0,0,0,.25);
    border: none;
    border-radius: 0;
    box-shadow: none;
    padding: 0;
    margin: 0;
  }
  .nav-main .has-sub.open .submenu {
    display: block !important;
  }
  .nav-main .has-sub:hover .submenu {
    display: none !important;
  }
  .nav-main .has-sub.open:hover .submenu {
    display: block !important;
  }
  .nav-main .submenu a {
    padding: 12px 26px !important;
    color: rgba(255,255,255,.92) !important;
    background: transparent !important;
    border-bottom: 1px solid rgba(255,255,255,.05) !important;
    font-size: .9rem !important;
    border-radius: 0 !important;
  }
  .nav-main .submenu a:hover {
    background: rgba(255,255,255,.05) !important;
    color: #fff !important;
  }
  /* Hide Schedule pill in mobile header (it's in the menu items) */
  .header-schedule { display: none; }
}


/* ===== MOBILE DROPDOWN FLAT (v22) - no toggle, always show all items ===== */
@media (max-width: 1024px) {
  /* Show "Loan Options" as a static section header on mobile - not a button */
  .nav-main .has-sub-trigger {
    pointer-events: none !important;
    cursor: default !important;
    background: rgba(255,255,255,.08) !important;
    color: rgba(255,255,255,.7) !important;
    font-size: .75rem !important;
    text-transform: uppercase !important;
    letter-spacing: .08em !important;
    padding: 12px 16px !important;
    border-bottom: 1px solid rgba(255,255,255,.1) !important;
    border-top: 1px solid rgba(255,255,255,.1) !important;
    margin-top: 8px !important;
    font-weight: 700 !important;
    border-radius: 0 !important;
  }
  .nav-main .has-sub-trigger .caret {
    display: none !important;
  }
  /* On mobile, ALWAYS show all submenu items - no toggle needed */
  .nav-main .submenu {
    display: block !important;
    position: static !important;
    background: transparent !important;
    border: none !important;
    border-radius: 0 !important;
    box-shadow: none !important;
    padding: 0 !important;
    margin: 0 !important;
    min-width: 0 !important;
  }
  .nav-main .has-sub .submenu,
  .nav-main .has-sub.open .submenu,
  .nav-main .has-sub:hover .submenu,
  .nav-main .has-sub.open:hover .submenu {
    display: block !important;
  }
  .nav-main .submenu a {
    display: block !important;
    padding: 14px 22px !important;
    color: #fff !important;
    background: transparent !important;
    border-bottom: 1px solid rgba(255,255,255,.08) !important;
    border-radius: 0 !important;
    font-size: .96rem !important;
    font-weight: 800 !important;
    text-decoration: none !important;
  }
  .nav-main .submenu a:hover {
    background: var(--terra, #c97a5e) !important;
    color: #fff !important;
  }
}


/* ===== HIDE FLOATING BUBBLES WHEN MOBILE MENU IS OPEN (v22 backup, no :has) ===== */
body.menu-is-open .float-bubbles,
body.menu-is-open .float-bubble,
body.menu-is-open #crisp-chatbox,
body.menu-is-open .crisp-client,
body.menu-is-open [class*="crisp"] {
  display: none !important;
  visibility: hidden !important;
}


/* ===== v24 FIXES: hover bridge + defensive mobile hide ===== */

/* Defensive: ALWAYS hide mobile menu by default unless .open is on */
@media (max-width: 1024px) {
  .nav-main:not(.open) {
    display: none !important;
  }
  /* If .open class exists, show as flex column */
  .nav-main.open {
    display: flex !important;
  }
}

/* Desktop dropdown hover bridge - prevents close when moving cursor down */
@media (min-width: 1025px) {
  /* Invisible bridge area between trigger and submenu */
  .nav-main .has-sub::after {
    content: "";
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    height: 12px; /* matches the gap before submenu */
    background: transparent;
    z-index: 99;
  }
  /* Make the entire .has-sub area a hover zone */
  .nav-main .has-sub:hover .submenu,
  .nav-main .has-sub.open .submenu,
  .nav-main .submenu:hover {
    display: block !important;
  }
  /* Position submenu so it slightly overlaps to eliminate gap */
  .nav-main .submenu {
    top: 100% !important;
    margin-top: 0 !important;
    padding-top: 14px !important;
    background-clip: padding-box;
  }
}

/* Force the close button (X) to be huge and obvious when menu is open on mobile */
body.menu-is-open .menu-toggle {
  position: fixed !important;
  top: 14px !important;
  right: 18px !important;
  z-index: 100000 !important;
  width: 52px !important;
  height: 52px !important;
  min-width: 52px !important;
  min-height: 52px !important;
  font-size: 1.6rem !important;
  background: #c97a5e !important;
  color: #fff !important;
  border-radius: 50% !important;
  box-shadow: 0 6px 20px rgba(0,0,0,.5) !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  padding: 0 !important;
}