/* ============================================================
   MortgageHQ — Site CSS
   Brand: royal blue + red + gold, modern trustworthy
   Cormorant Garamond + Inter
   ============================================================ */

:root {
  /* Logo-accurate brand palette */
  --brand-blue: #285096;         /* primary brand blue, exact match to logo */
  --brand-blue-light: #3863B0;   /* hover / accents */
  --brand-blue-dark: #1B3A6B;    /* deep panels / hero backgrounds */
  --brand-blue-deep: #0F2654;    /* footer, deepest sections */
  --brand-red: #DC2626;          /* CTAs, accents — refined web-safe red */
  --brand-red-strong: #E11D1D;   /* full-saturation red for highlights */
  --gold: #C9A227;               /* premium accent */
  --gold-bright: #E0B83A;        /* lighter gold for icons / stars */

  /* Legacy aliases (so older selectors continue to work) */
  --navy: var(--brand-blue);
  --navy-dark: var(--brand-blue-dark);
  --navy-deep: var(--brand-blue-deep);
  --red: var(--brand-red);
  --amber: var(--gold-bright);

  /* Neutrals — modern slate scale */
  --white: #ffffff;
  --off: #F8FAFC;                /* slate-50, cooler than the old cream */
  --off-warm: #FBF9F4;
  --border: #E2E8F0;             /* slate-200 */
  --border-soft: #F1F5F9;        /* slate-100 */
  --text: #0F172A;               /* slate-900 */
  --mid: #475569;                /* slate-600 */
  --mid-light: #94A3B8;          /* slate-400 */
  --light: #94A3B8;              /* slate-400 */
  --green: #15803D;

  /* Typography */
  --display: 'Bricolage Grotesque', 'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  --serif: 'Bricolage Grotesque', 'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;

  --container: 1200px;

  /* Elevation — more modern, less heavy than navy-tinted shadows */
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.05), 0 1px 3px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.07), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
  --shadow-lg: 0 10px 25px -5px rgba(15, 23, 42, 0.10), 0 8px 10px -6px rgba(15, 23, 42, 0.06);
  --shadow-xl: 0 20px 40px -10px rgba(40, 80, 150, 0.18);

  --radius: 6px;
  --radius-lg: 10px;
  --transition: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.65;
  font-size: 16px;
  font-feature-settings: 'cv11', 'ss01', 'ss03';   /* Inter stylistic alternates: friendlier 1/I/l */
  letter-spacing: -0.005em;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand-blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--brand-red); }
:focus-visible { outline: 2px solid var(--brand-blue); outline-offset: 2px; }

/* SKIP LINK */
.skip-link {
  position: absolute; top: -40px; left: 0; background: var(--brand-blue);
  color: var(--white); padding: 8px 16px; z-index: 1000; text-decoration: none;
}
.skip-link:focus { top: 0; }

/* TOP BAR */
/* TOPBAR — thin utility strip */
.topbar {
  background: var(--brand-blue-deep);
  color: rgba(255,255,255,0.75);
  font-size: 12.5px;
  padding: 8px 0;
  letter-spacing: 0.01em;
}
.topbar-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar a { color: rgba(255,255,255,0.9); font-weight: 500; }
.topbar a:hover { color: var(--gold-bright); }
.topbar-left { display: flex; gap: 18px; align-items: center; }
.topbar-right { display: flex; gap: 18px; align-items: center; }

/* NAV — white, modern, subtle elevation */
nav.mainnav {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 0 rgba(15, 23, 42, 0.04);
  backdrop-filter: saturate(180%) blur(8px);
}
.nav-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 14px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo img {
  height: 30px;
  width: auto;
  display: block;
}
.nav-links { display: flex; list-style: none; gap: 28px; align-items: center; }
.nav-links > li { flex-shrink: 0; }
.nav-links a {
  color: var(--text);
  text-decoration: none;
  font-size: 14.5px;
  font-weight: 500;
  transition: color var(--transition);
  display: inline-block;
  padding: 4px 0;
}
.nav-links a:hover, .nav-links a.active { color: var(--brand-blue); }
.nav-links a.active { color: var(--brand-red); font-weight: 600; }
.nav-links a.nav-cta {
  background: var(--brand-red);
  color: var(--white) !important;
  padding: 0 24px;
  height: 44px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  letter-spacing: -0.005em;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(220, 38, 38, 0.30);
}
.nav-links a.nav-cta:hover {
  background: #B91C1C;
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px -2px rgba(220, 38, 38, 0.40);
}
.nav-actions { display: none; }
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--brand-blue);
  font-size: 24px;
  cursor: pointer;
  padding: 4px 8px;
}

/* DROPDOWN */
.has-dropdown { position: relative; }
.has-dropdown > a::after { content: ' ▾'; font-size: 10px; color: var(--brand-red); }
.dropdown {
  position: absolute;
  top: 100%;
  left: -16px;
  background: var(--white);
  min-width: 240px;
  list-style: none;
  padding: 8px 0;
  margin: 0;
  border-top: 2px solid var(--brand-red);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.18s ease;
  z-index: 105;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown li { display: block; }
.dropdown a {
  display: block;
  padding: 10px 18px;
  color: var(--mid);
  font-size: 13.5px;
  border-bottom: 1px solid var(--border-soft);
}
.dropdown li:last-child a { border-bottom: none; }
.dropdown a:hover { background: var(--off); color: var(--navy); }

/* HERO — full-bleed image with dark overlay, big bold content */
.hero {
  background-color: var(--brand-blue-dark);   /* fallback before image loads */
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  padding: 120px 0 120px;
  position: relative;
  overflow: hidden;
  min-height: 560px;
  display: flex;
  align-items: center;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%; height: 4px;
  background: linear-gradient(90deg, var(--brand-red) 0%, var(--gold) 50%, transparent 100%);
}
.hero-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
  position: relative;
  z-index: 2;
  width: 100%;
}
.hero-content {
  max-width: 880px;
}
.breadcrumb {
  font-size: 11px;
  letter-spacing: 0.2em;
  color: var(--gold-bright);
  text-transform: uppercase;
  margin-bottom: 24px;
  font-weight: 700;
}
.breadcrumb a { color: rgba(255,255,255,0.7); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold-bright); }
.hero h1 {
  font-family: var(--display);
  font-size: clamp(38px, 5.2vw, 72px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.02;
  margin-bottom: 28px;
  letter-spacing: -0.035em;
}
.hero h1 em {
  font-style: italic;
  color: var(--brand-red);
  font-weight: 600;
  letter-spacing: -0.03em;
}
.hero-lead {
  font-size: clamp(16px, 1.3vw, 19px);
  color: rgba(255,255,255,0.88);
  line-height: 1.55;
  margin-bottom: 40px;
  max-width: 580px;
  font-weight: 400;
}

/* STAT BAND — below the hero, white background, huge numerals */
.statband {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 56px 0;
}
.statband .inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
}
.statband-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.statband-item {
  padding: 0 32px;
  border-left: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.statband-item:first-child {
  padding-left: 0;
  border-left: 0;
}
.statband-num {
  font-family: var(--display);
  font-size: clamp(38px, 4.2vw, 60px);
  color: var(--brand-blue);
  display: block;
  line-height: 1.0;
  margin-bottom: 12px;
  font-weight: 700;
  letter-spacing: -0.035em;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.statband-lbl {
  font-size: 13px;
  color: var(--mid);
  line-height: 1.4;
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* legacy hero-stats fallback — keep so older pages don't break */
.hero-stats { display: none; }

/* BUTTONS — modern, confident, subtle elevation on hover */
.btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-red {
  background: var(--brand-red);
  color: var(--white);
  padding: 14px 30px;
  border-radius: var(--radius);
  font-size: 14.5px;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: -0.005em;
  transition: all var(--transition);
  display: inline-block;
  border: none;
  cursor: pointer;
  font-family: inherit;
  box-shadow: 0 1px 2px rgba(220, 38, 38, 0.25);
}
.btn-red:hover {
  background: #B91C1C;
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(220, 38, 38, 0.35);
}
.btn-gold {
  background: transparent;
  color: var(--gold-bright);
  border: 1px solid rgba(224,184,58,0.55);
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 14.5px;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: -0.005em;
  transition: all var(--transition);
  display: inline-block;
  cursor: pointer;
  font-family: inherit;
}
.btn-gold:hover {
  background: rgba(224,184,58,0.12);
  color: var(--gold-bright);
  border-color: var(--gold-bright);
}
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.35);
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 14.5px;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: -0.005em;
  transition: all var(--transition);
  display: inline-block;
  cursor: pointer;
  font-family: inherit;
}
.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.7);
}
.btn-navy {
  background: var(--brand-blue);
  color: var(--white);
  padding: 14px 30px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  display: inline-block;
  border: none;
  cursor: pointer;
  font-family: inherit;
  transition: background var(--transition);
}
.btn-navy:hover { background: var(--navy-dark); color: var(--white); }

/* SECTIONS / LAYOUT */
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 96px 0; }
.inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
}
.tag {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  color: var(--brand-red);
  text-transform: uppercase;
  display: block;
  margin-bottom: 12px;
  font-weight: 700;
}
h2.h2, .h2 {
  font-family: var(--display);
  font-size: clamp(28px, 3vw, 44px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.05;
  letter-spacing: -0.025em;
}
.h2-white, h2.h2-white { color: var(--white); }
.rule { width: 40px; height: 3px; background: var(--brand-red); margin: 16px 0 24px; border-radius: 2px; }
.lead { font-size: 17px; color: var(--mid); line-height: 1.7; max-width: 720px; font-weight: 400; }
.bg-off { background: var(--off); }
.bg-navy { background: var(--navy); }
.bg-navy-dark { background: var(--navy-dark); }
.bg-cream { background: var(--off-warm); }

/* HEADINGS DEFAULT */
h3 {
  font-family: var(--display);
  font-size: 21px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.25;
  letter-spacing: -0.015em;
  margin-bottom: 10px;
}
.h2-white ~ * h3 { color: var(--navy); }
h4 {
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.35;
}
h5 {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
p { margin-bottom: 14px; font-size: 15px; color: var(--mid); line-height: 1.75; }
p:last-child { margin-bottom: 0; }

/* GRIDS */
.two-col { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: start; }
.two-eq { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.four-col { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  counter-reset: card;
}

/* CARDS */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 28px 24px;
  position: relative;
  display: flex;
  flex-direction: column;
  counter-increment: card;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card::before {
  content: counter(card, decimal-leading-zero);
  position: absolute;
  top: 22px; right: 24px;
  font-family: var(--display);
  font-size: 13px;
  font-weight: 600;
  color: var(--mid-light);
  letter-spacing: 0.04em;
}
.card::after {
  content: '';
  position: absolute;
  top: 0; left: 28px; right: 28px;
  height: 2px;
  background: var(--brand-red);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px -22px rgba(15, 38, 84, 0.30);
  border-color: rgba(40, 80, 150, 0.20);
}
.card:hover::after { transform: scaleX(1); }
.card h3 {
  font-family: var(--display);
  font-size: 19px;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--navy);
  margin-bottom: 10px;
  padding-right: 30px;       /* leaves room for the index in the top right */
}
.card p {
  font-size: 14.5px;
  color: var(--mid);
  line-height: 1.6;
  flex-grow: 1;
  margin-bottom: 18px;
}
.card .card-link {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--brand-blue);
  text-decoration: none;
  letter-spacing: -0.005em;
  transition: gap var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  align-self: flex-start;
}
.card .card-link:hover { color: var(--brand-red); }

/* SERVICE CARD with icon */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(40, 80, 150, 0.20);
}
.service-card-head {
  padding: 22px;
  display: flex;
  align-items: center;
  gap: 14px;
  border-bottom: 1px solid var(--border-soft);
}
.service-card-head.full { background: #EEF4FB; }
.service-card-head.alt { background: #FBF3E4; }
.service-card-head.spec { background: #ECFAF4; }
.service-card-head.warm { background: #FBF3E4; }
.service-card-icon {
  width: 44px; height: 44px; border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  background: var(--navy);
}
.service-card-icon.alt { background: #7A4A0A; }
.service-card-icon.spec { background: var(--green); }
.service-card-icon svg { width: 22px; height: 22px; fill: none; stroke: #fff; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.service-card-title h3 { font-family: var(--serif); font-size: 21px; font-weight: 500; color: var(--navy); margin: 0; }
.badge {
  font-size: 10px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  padding: 2px 8px;
  border-radius: 2px;
  display: inline-block;
  margin-top: 4px;
}
.badge-blue { background: #D4E5F7; color: var(--navy); }
.badge-amber { background: #F5DFB8; color: #7A4A0A; }
.badge-green { background: #C8F0E0; color: var(--green); }
.service-card-body { padding: 24px; flex: 1; }
.service-card-body > p { font-size: 14px; color: var(--mid); line-height: 1.75; margin-bottom: 16px; }
.service-card-body a.cta-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 13px; font-weight: 500; color: var(--navy);
  letter-spacing: 0.5px; text-transform: uppercase;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
}
.service-card-body a.cta-link:hover { color: var(--gold); }

/* FEATURE LIST */
.flist { list-style: none; padding: 0; margin: 0; }
.flist li {
  font-size: 14px;
  color: var(--mid);
  padding: 8px 0;
  border-bottom: 1px solid #F0EDE8;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.5;
}
.flist li:last-child { border-bottom: none; }
.flist li::before {
  content: '';
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0; margin-top: 7px;
}

/* TICK LIST */
.tick-list { list-style: none; padding: 0; margin: 0; }
.tick-list li {
  display: flex; gap: 12px;
  font-size: 14px; color: var(--mid);
  padding: 8px 0;
  align-items: flex-start;
  line-height: 1.55;
}
.tick-list li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  background: rgba(184,150,46,0.12);
  border-radius: 50%;
  text-align: center;
  font-size: 11px;
  line-height: 18px;
}

/* PROCESS STEPS */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 36px; }
.step {
  background: var(--white);
  border-left: 3px solid var(--gold);
  padding: 22px 22px 22px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.step-num {
  font-family: var(--serif);
  font-size: 40px;
  color: var(--amber);
  font-weight: 500;
  line-height: 1;
  margin-bottom: 12px;
  display: block;
}
.step h4 { font-size: 15px; margin-bottom: 8px; }
.step p { font-size: 13px; color: var(--mid); line-height: 1.7; }

/* Utility classes used by FAQ section */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
}
.container-narrow {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 32px;
}
.section-soft { background: var(--off); }
.section-tight { padding: 56px 0; }
.inner-center { text-align: center; max-width: 820px; margin: 0 auto; }
.inner-narrow { max-width: 800px; margin: 0 auto; }
.h2-center { text-align: center; }
.h2-center + .lead-center { margin: 16px auto 0; }
.lead-center { text-align: center; margin: 0 auto; }
.h2-small { font-size: 28px !important; }
.eyebrow {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  color: var(--brand-red);
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 12px;
}
.section-heading {
  font-family: var(--serif);
  font-size: 36px;
  font-weight: 500;
  color: var(--brand-blue);
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin-bottom: 28px;
}

/* CALCULATOR TABS — visually distinct pill-style tabs */
.calc-tabs {
  display: flex;
  flex-wrap: nowrap;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 6px;
  margin-bottom: 40px;
  overflow-x: auto;
  scrollbar-width: thin;
  -webkit-overflow-scrolling: touch;
  box-shadow: 0 2px 8px -4px rgba(15, 38, 84, 0.10);
}
.calc-tab {
  background: transparent;
  border: none;
  border-radius: 8px;
  padding: 12px 20px;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  color: var(--mid);
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition);
  letter-spacing: -0.005em;
  flex: 1 1 auto;
  min-width: max-content;
}
.calc-tab:hover {
  color: var(--brand-blue);
  background: var(--off);
}
.calc-tab.active {
  color: var(--white);
  background: var(--brand-blue);
  box-shadow: 0 4px 12px -4px rgba(40, 80, 150, 0.50);
}
.calc-tab.active:hover { color: var(--white); background: var(--brand-blue-dark); }
.calc-tab:focus-visible {
  outline: 2px solid var(--brand-blue);
  outline-offset: 2px;
}
.calc-panel { display: none; }
.calc-panel.active { display: block; animation: fadeUp 0.3s ease-out; }
.calc-panel-lead {
  font-size: 15.5px;
  color: var(--mid);
  line-height: 1.7;
  max-width: 720px;
  margin-bottom: 28px;
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* MARQUEE — continuous-scroll lender logos */
.marquee {
  margin-top: 40px;
  overflow: hidden;
  position: relative;
  mask-image: linear-gradient(90deg, transparent 0%, #000 8%, #000 92%, transparent 100%);
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 8%, #000 92%, transparent 100%);
}
.marquee-track {
  display: flex;
  gap: 56px;
  align-items: center;
  animation: marquee-scroll 60s linear infinite;
  width: max-content;
}
.marquee-track img {
  height: 50px;
  width: auto;
  flex-shrink: 0;
  opacity: 0.7;
  transition: opacity var(--transition);
  filter: grayscale(40%);
}
.marquee-track img:hover {
  opacity: 1;
  filter: grayscale(0%);
}
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .marquee-track { animation: none; }
  .marquee { mask-image: none; -webkit-mask-image: none; }
}

/* HERO WITH FORM — two-column hero where form sits next to content */
.hero-with-form {
  min-height: auto;
  padding: 56px 0 64px;
}
.hero-with-form .hero-inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
}
.hero-with-form .hero-content {
  max-width: 100%;
}
.hero-with-form .hero-content h1,
.hero-with-form h1 {
  font-size: clamp(32px, 3.4vw, 52px);
  margin-bottom: 20px;
}
.hero-with-form .hero-lead {
  font-size: 15.5px;
  margin-bottom: 28px;
}
.hero-with-form .breadcrumb {
  margin-bottom: 18px;
}

.hero-form-card {
  background: var(--white);
  color: var(--text);
  border-radius: 14px;
  padding: 24px 26px;
  box-shadow: 0 28px 70px -28px rgba(0, 0, 0, 0.55), 0 4px 12px -4px rgba(0, 0, 0, 0.20);
  width: 100%;
  max-width: 440px;
  justify-self: end;
}
.hero-form-head { margin-bottom: 16px; }
.hero-form-kicker {
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brand-red);
  font-weight: 700;
  margin-bottom: 4px;
}
.hero-form-title {
  font-family: var(--display);
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0 0 4px;
  line-height: 1.15;
}
.hero-form-sub {
  font-size: 13px;
  color: var(--mid);
  margin: 0;
  line-height: 1.45;
}

.hero-form {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.hero-form .form-field { display: flex; flex-direction: column; gap: 3px; margin: 0; }
.hero-form .form-field label {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.005em;
}
.hero-form .form-field .req { color: var(--brand-red); }
.hero-form input[type="text"],
.hero-form input[type="email"],
.hero-form input[type="tel"],
.hero-form textarea {
  font-family: inherit;
  font-size: 14px;
  padding: 8px 11px;
  border: 1px solid var(--border);
  border-radius: 7px;
  background: var(--off);
  color: var(--text);
  transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
  width: 100%;
}
.hero-form input:focus,
.hero-form textarea:focus {
  outline: none;
  border-color: var(--brand-blue);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(40, 80, 150, 0.12);
}
.hero-form textarea { resize: vertical; min-height: 54px; }

.form-radio-group {
  border: none;
  padding: 0;
  margin: 2px 0 2px;
}
.form-radio-group legend {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  padding: 0;
}
.radio-pills {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 5px;
}
.radio-pill {
  position: relative;
  cursor: pointer;
}
.radio-pill input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.radio-pill span {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 8px 6px;
  border: 1px solid var(--border);
  border-radius: 7px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--mid);
  background: var(--off);
  transition: all var(--transition);
}
.radio-pill:hover span {
  border-color: var(--brand-blue);
  color: var(--brand-blue);
}
.radio-pill input[type="radio"]:checked + span {
  background: var(--brand-blue);
  border-color: var(--brand-blue);
  color: var(--white);
}
.radio-pill input[type="radio"]:focus-visible + span {
  box-shadow: 0 0 0 3px rgba(40, 80, 150, 0.25);
}

.btn-block {
  display: flex !important;
  width: 100%;
  justify-content: center;
  padding: 12px 24px !important;
  font-size: 14.5px !important;
  margin-top: 2px;
}

.hero-form .form-disclaimer {
  font-size: 10.5px;
  color: var(--mid);
  margin: 0;
  line-height: 1.4;
}
.hero-form .form-msg:empty { display: none; }
.hero-form .form-msg {
  font-size: 13px;
  padding: 10px 12px;
  border-radius: 8px;
}
.hero-form .form-msg.ok    { background: rgba(16,185,129,0.12); color: #047857; }
.hero-form .form-msg.error { background: rgba(220,38,38,0.10); color: #991B1B; }

/* FEATURE CARD — used on the home page intro right column */
.feature-card {
  background: linear-gradient(180deg, var(--brand-blue-deep) 0%, var(--brand-blue-dark) 100%);
  color: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
  box-shadow: 0 14px 40px -16px rgba(15, 38, 84, 0.45);
}
.feature-card::before {
  content: '';
  position: absolute;
  top: -50%; right: -30%;
  width: 460px; height: 460px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(224,184,58,0.22) 0%, transparent 70%);
  pointer-events: none;
}
.feature-card > * { position: relative; }
.feature-card-kicker {
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-bright);
  font-weight: 700;
  margin-bottom: 16px;
}
.feature-card-title {
  font-family: var(--display);
  font-size: 28px;
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.025em;
  color: var(--white);
  margin: 0 0 28px;
}
.feature-card-list {
  list-style: none;
  padding: 0; margin: 0 0 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.feature-card-list li {
  font-size: 15px;
  color: rgba(255,255,255,0.85);
  line-height: 1.55;
  padding-left: 22px;
  position: relative;
}
.feature-card-list li::before {
  content: '';
  position: absolute;
  left: 0; top: 9px;
  width: 10px; height: 2px;
  background: var(--brand-red);
}
.feature-card-list strong {
  color: var(--white);
  font-weight: 700;
  margin-right: 4px;
}
.feature-card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-bright);
  font-weight: 600;
  font-size: 14.5px;
  text-decoration: none;
  letter-spacing: -0.005em;
  transition: color var(--transition), gap var(--transition);
}
.feature-card-link:hover {
  color: var(--white);
  gap: 12px;
}

/* FAQ */
.faq-list { margin-top: 36px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-item summary {
  padding: 18px 24px;
  cursor: pointer;
  font-weight: 500;
  color: var(--navy);
  font-size: 15px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 500;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  color: var(--brand-red);
  font-size: 24px;
  font-weight: 400;
  transition: transform var(--transition);
  font-family: var(--sans);
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item summary:hover { background: var(--off); }
.faq-answer {
  padding: 0 24px 22px;
  font-size: 14.5px;
  color: var(--mid);
  line-height: 1.8;
}

/* CALLOUT */
.callout {
  border-left: 3px solid var(--gold);
  padding: 20px 24px;
  background: var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 20px;
}
.callout p { font-size: 14px; color: #A0B4CC; line-height: 1.75; margin: 0; }

/* LENDER GRID */
.lender-grid {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 16px;
  align-items: center;
  margin-top: 36px;
}
.lender-grid img {
  filter: grayscale(20%);
  opacity: 0.88;
  transition: filter var(--transition), opacity var(--transition);
  border-radius: 3px;
}
.lender-grid img:hover { filter: grayscale(0); opacity: 1; }
.lender-more {
  grid-column: span 8;
  text-align: center;
  margin-top: 8px;
  font-size: 13px;
  color: var(--light);
  font-style: italic;
}

/* TESTIMONIALS */
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
.testimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  position: relative;
  border-top: 3px solid var(--gold);
}
.testimonial-stars { color: var(--amber); font-size: 14px; letter-spacing: 2px; margin-bottom: 12px; }
.testimonial-text {
  font-family: var(--serif);
  font-size: 17px;
  font-style: italic;
  color: var(--text);
  line-height: 1.6;
  margin-bottom: 16px;
}
.testimonial-meta {
  display: flex; align-items: center; gap: 12px;
  padding-top: 16px;
  border-top: 1px solid var(--border-soft);
}
.testimonial-meta strong { display: block; font-size: 13.5px; color: var(--navy); font-weight: 500; }
.testimonial-meta span { font-size: 12px; color: var(--light); }
.testimonial-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--serif);
  font-weight: 500;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

/* TRUST BAR */
.trust-bar {
  background: var(--off-warm);
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
  padding: 28px 0;
}
.trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
  align-items: center;
}
.trust-cell { padding: 0 12px; }
.trust-num {
  font-family: var(--serif);
  font-size: 30px;
  color: var(--gold);
  display: block;
  line-height: 1;
  font-weight: 500;
}
.trust-lbl { font-size: 12px; color: var(--mid); letter-spacing: 1px; text-transform: uppercase; margin-top: 6px; display: block; }

/* CONTACT FORM */
.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}
.contact-form { display: grid; gap: 16px; }
.contact-form .row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-field { display: flex; flex-direction: column; }
.form-field label {
  font-size: 12px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--mid);
  margin-bottom: 6px;
  font-weight: 500;
}
.form-field label .req { color: var(--red); }
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--sans);
  font-size: 15px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,150,46,0.12);
}
.form-field textarea { min-height: 110px; resize: vertical; }
.form-honey { position: absolute; left: -9999px; top: -9999px; }
.form-msg {
  padding: 12px 16px;
  border-radius: var(--radius);
  font-size: 14px;
  margin-top: 8px;
}
.form-msg.success {
  background: #E7F4EE; color: #155F3F;
  border-left: 3px solid var(--green);
}
.form-msg.error {
  background: #FBEAE7; color: #82332C;
  border-left: 3px solid var(--red);
}
.form-disclaimer {
  font-size: 11px;
  color: var(--light);
  line-height: 1.6;
}

/* CONTACT INFO BLOCKS */
.contact-info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
.contact-info {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  border-top: 3px solid var(--gold);
}
.contact-info h4 { font-family: var(--serif); font-size: 22px; color: var(--navy); margin-bottom: 10px; font-weight: 500; }
.contact-info p { font-size: 13px; margin-bottom: 14px; }
.contact-info a {
  font-size: 15px;
  color: var(--navy);
  font-weight: 500;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
}
.contact-info a:hover { color: var(--gold); }

/* CALCULATOR */
.calc-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  box-shadow: 0 4px 16px -8px rgba(15, 38, 84, 0.10);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: stretch;
}
.calc-controls { display: grid; gap: 22px; align-content: start; }

/* Modern result panel — one hero number, brand blue background */
.calc-output {
  background: linear-gradient(155deg, var(--brand-blue-deep) 0%, var(--brand-blue-dark) 100%);
  color: var(--white);
  padding: 32px;
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  align-self: stretch;
  position: relative;
  overflow: hidden;
  min-height: 320px;
}
.calc-output::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -25%;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(224,184,58,0.20) 0%, transparent 70%);
  pointer-events: none;
}
.calc-output > * { position: relative; }

/* First result row = hero number — much bigger, prominent */
.result-row:first-of-type {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 22px;
  margin-bottom: 22px;
  gap: 4px;
}
.result-row:first-of-type > span {
  color: var(--gold-bright);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  order: 1;
  margin-bottom: 6px;
}
.result-row:first-of-type > strong {
  color: var(--white);
  font-family: var(--display);
  font-size: clamp(40px, 4.5vw, 64px);
  font-weight: 700;
  line-height: 0.95;
  letter-spacing: -0.035em;
  order: 2;
  white-space: nowrap;
}

/* Subsequent result rows — secondary stats, side-by-side */
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.result-row + .result-row {
  padding-top: 10px;
}
.result-row[hidden] { display: none !important; }
.result-row:last-child { border-bottom: 0; padding-bottom: 0; }
.result-row > span {
  color: rgba(255, 255, 255, 0.70);
  font-size: 13px;
  font-weight: 500;
}
.result-row > strong {
  color: var(--white);
  font-family: var(--display);
  font-size: 18px;
  font-weight: 700;
  line-height: 1;
  white-space: nowrap;
  letter-spacing: -0.01em;
}

/* CTA at bottom of calc output — real clickable link */
.calc-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
  padding-top: 22px;
  color: var(--gold-bright);
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: -0.005em;
  position: relative;
  text-decoration: none;
  transition: color var(--transition), gap var(--transition);
  align-self: flex-start;
}
.calc-cta:hover {
  color: var(--white);
  gap: 10px;
}

/* Modern input fields */
.calc-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.calc-field[hidden] { display: none !important; }

/* Segmented control inside a calc-field (P&I / IO toggle) */
.calc-segmented .seg-control {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  background: var(--off);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 4px;
}
.calc-segmented .seg-pill { position: relative; cursor: pointer; }
.calc-segmented .seg-pill input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.calc-segmented .seg-pill span {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 9px 8px;
  border-radius: 7px;
  font-size: 13px;
  font-weight: 600;
  color: var(--mid);
  background: transparent;
  transition: all var(--transition);
  text-align: center;
  line-height: 1.2;
}
.calc-segmented .seg-pill:hover span { color: var(--brand-blue); }
.calc-segmented .seg-pill input[type="radio"]:checked + span {
  background: var(--brand-blue);
  color: var(--white);
  box-shadow: 0 2px 8px -2px rgba(40, 80, 150, 0.45);
}
.calc-segmented .seg-pill input[type="radio"]:focus-visible + span {
  box-shadow: 0 0 0 3px rgba(40, 80, 150, 0.25);
}
.calc-field label {
  font-size: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--mid);
  font-weight: 600;
}
.calc-field input[type="range"] { width: 100%; }
.calc-field output {
  font-family: var(--display);
  font-size: 22px;
  color: var(--brand-blue);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1;
}
.calc-field select {
  padding: 11px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--white);
  font-family: inherit;
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  cursor: pointer;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.calc-field select:focus {
  outline: none;
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 3px rgba(40, 80, 150, 0.12);
}

/* Modern sliders — thicker track, brand blue thumb, gradient fill */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  width: 100%;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--brand-blue);
  cursor: grab;
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(40, 80, 150, 0.35);
  transition: transform var(--transition), box-shadow var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.12);
  box-shadow: 0 4px 14px rgba(40, 80, 150, 0.50);
}
input[type="range"]::-webkit-slider-thumb:active {
  cursor: grabbing;
}
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--brand-blue);
  cursor: grab;
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(40, 80, 150, 0.35);
}

/* CTA SECTION */
.cta-band {
  background: var(--navy);
  background-image: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 64px 0;
  text-align: center;
  border-top: 3px solid var(--gold);
  border-bottom: 3px solid var(--gold);
}
.cta-band h2 {
  font-family: var(--serif);
  font-size: 36px;
  color: var(--white);
  margin-bottom: 14px;
  line-height: 1.2;
}
.cta-band p {
  font-size: 15px;
  color: #A0B4CC;
  max-width: 580px;
  margin: 0 auto 28px;
  line-height: 1.75;
}
.cta-band .btns { justify-content: center; }
.cta-band-details {
  display: flex; justify-content: center; gap: 40px; flex-wrap: wrap;
  margin-top: 36px; padding-top: 28px;
  border-top: 1px solid rgba(184,150,46,0.25);
  font-size: 13px; color: #A0B4CC;
}
.cta-band-details .lbl { color: var(--gold); letter-spacing: 1.5px; text-transform: uppercase; display: block; margin-bottom: 4px; font-size: 11px; }
.cta-band-details a { color: var(--white); }
.cta-band-details a:hover { color: var(--amber); }

/* FOOTER */
footer.site-footer {
  background: var(--navy-deep);
  color: #A0B4CC;
  padding: 56px 0 0;
  font-size: 14px;
}
.footer-grid {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}
.footer-brand p { color: rgba(255,255,255,0.65); font-size: 13.5px; line-height: 1.75; max-width: 340px; }
.footer-brand .footer-logo {
  display: block;
  height: 28px;
  width: auto;
  margin-bottom: 18px;
}
.footer-social {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 22px;
}
.footer-social-label {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-bright);
  font-weight: 700;
}
.footer-social .social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.85);
  border: 1px solid rgba(255, 255, 255, 0.12);
  transition: all var(--transition);
}
.footer-social .social-link:hover {
  background: var(--brand-red);
  border-color: var(--brand-red);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px -4px rgba(220, 38, 38, 0.50);
}
.footer-social .social-link svg {
  display: block;
}
.footer-col h5 {
  font-size: 11.5px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold-bright); margin-bottom: 16px; font-weight: 700;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 9px; }
.footer-col a { color: rgba(255,255,255,0.70); font-size: 13.5px; }
.footer-col a:hover { color: var(--gold-bright); }

/* FOOTER MAP — small embed below the contact column links */
.footer-map {
  margin-top: 18px;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 14px -4px rgba(0, 0, 0, 0.40);
}
.footer-map iframe {
  display: block;
  filter: grayscale(15%) brightness(0.92);
  transition: filter 0.25s ease;
}
.footer-map iframe:hover { filter: grayscale(0%) brightness(1); }

/* CONTACT PAGE — large map section */
.map-wrap {
  margin-top: 28px;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 20px 50px -24px rgba(15, 38, 84, 0.35);
  border: 1px solid var(--border);
}
.map-wrap iframe { display: block; }
.map-actions {
  margin-top: 24px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.10);
  margin-top: 48px;
  padding: 22px 32px;
  max-width: var(--container);
  margin-left: auto; margin-right: auto;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12px; color: rgba(255,255,255,0.55);
  flex-wrap: wrap; gap: 12px;
}
.disclaimer-band {
  background: var(--brand-blue-deep);
  padding: 24px 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.disclaimer-band p {
  max-width: var(--container);
  margin: 0 auto;
  font-size: 11.5px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
}

/* INTRO BODY */
.intro-body p { font-size: 15.5px; color: var(--mid); line-height: 1.85; margin-bottom: 16px; }
.intro-body p:last-child { margin-bottom: 0; }

/* MOBILE */
@media (max-width: 980px) {
  .topbar { display: none; }
  .nav-inner { padding: 12px 18px; }
  .nav-logo img { height: 26px; }
  .nav-actions { display: flex; align-items: center; gap: 10px; }
  .nav-call {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    height: 38px;
    padding: 0 14px;
    background: var(--brand-red);
    color: var(--white) !important;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    letter-spacing: -0.005em;
    box-shadow: 0 2px 6px rgba(220, 38, 38, 0.30);
  }
  .nav-call .icon { font-size: 13px; line-height: 1; }
  .nav-links { display: none; }
  .nav-toggle {
    display: block;
    min-width: 44px;
    min-height: 44px;
    padding: 8px 10px;
    line-height: 1;
  }
  /* Lock the body while the menu is open so the page behind stops scrolling */
  body.nav-open { overflow: hidden; }
  /* Backdrop injected by JS — dims the page and closes menu on tap */
  .nav-backdrop {
    position: fixed;
    top: var(--nav-height, 62px);
    right: 0;
    bottom: 0;
    left: 0;
    background: rgba(15, 23, 42, 0.55);
    z-index: 90;
    opacity: 0;
    animation: navBackdropFadeIn 0.18s ease forwards;
    cursor: pointer;
    -webkit-tap-highlight-color: transparent;
  }
  @keyframes navBackdropFadeIn { to { opacity: 1; } }
  /* Menu becomes a fixed, self-scrolling panel below the nav */
  .nav-links.open {
    display: flex;
    position: fixed;
    top: var(--nav-height, 62px);
    left: 0; right: 0;
    max-height: calc(100vh - var(--nav-height, 62px));
    max-height: calc(100dvh - var(--nav-height, 62px));
    background: var(--white);
    flex-direction: column;
    gap: 0;
    padding: 8px 0 32px;
    box-shadow: var(--shadow-lg);
    align-items: stretch;
    border-top: 1px solid var(--border);
    border-bottom: 2px solid var(--brand-red);
    overflow-y: auto;
    overflow-x: hidden;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
    z-index: 95;
    animation: navMenuFadeIn 0.18s ease;
  }
  @keyframes navMenuFadeIn {
    from { opacity: 0; transform: translateY(-4px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .nav-links.open li { width: 100%; }
  .nav-links.open a {
    display: block;
    padding: 16px 24px;
    border-bottom: 1px solid var(--border-soft);
    width: 100%;
    color: var(--text);
    font-size: 15.5px;
    min-height: 48px;
    line-height: 1.4;
  }
  .nav-links.open .nav-cta { margin: 12px 24px; text-align: center; }
  /* Dropdown parent gets a chevron affordance */
  .nav-links.open .has-dropdown > a {
    position: relative;
    padding-right: 56px;
  }
  .nav-links.open .has-dropdown > a::after {
    content: '▾';
    position: absolute;
    right: 24px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 14px;
    color: var(--brand-red);
    transition: transform 0.2s ease;
    display: inline-block;
  }
  .nav-links.open .has-dropdown.expanded > a::after {
    transform: translateY(-50%) rotate(180deg);
  }
  /* Dropdowns collapse by default on mobile — tap parent to expand */
  .nav-links.open .dropdown {
    position: static;
    box-shadow: none;
    background: var(--off);
    border-top: none;
    border-bottom: 1px solid var(--border);
    opacity: 1;
    visibility: visible;
    transform: none;
    margin: 0;
    padding: 0;
    display: none;
  }
  .nav-links.open .has-dropdown.expanded .dropdown {
    display: block;
  }
  .nav-links.open .dropdown a {
    padding: 14px 24px 14px 40px;
    background: transparent;
    color: var(--mid);
    font-size: 14.5px;
    border-bottom: 1px solid var(--border-soft);
    min-height: 44px;
  }
  .nav-links.open .dropdown li:last-child a { border-bottom: none; }
  .hero { padding: 80px 0 80px; min-height: 460px; }
  .hero-with-form { padding: 56px 0 64px; min-height: auto; }
  .hero-with-form .hero-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .hero-form-card { max-width: 100%; justify-self: stretch; padding: 24px; }
  .statband-grid { grid-template-columns: repeat(2, 1fr); }
  .statband-item { padding: 20px; border-left: 1px solid var(--border); border-top: 1px solid var(--border); }
  .statband-item:nth-child(odd) { border-left: 0; }
  .statband-item:nth-child(-n+2) { border-top: 0; }
  .two-col, .two-eq { grid-template-columns: 1fr; gap: 32px; }
  .three-col { grid-template-columns: 1fr 1fr; gap: 16px; }
  .card-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .four-col { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .lender-grid { grid-template-columns: repeat(4, 1fr); }
  .lender-more { grid-column: span 4; }
  .trust-row { grid-template-columns: 1fr 1fr; gap: 18px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .calc-wrap { grid-template-columns: 1fr; padding: 24px; gap: 24px; }
  .calc-result { position: static; }
  .calc-tab { padding: 14px 16px; font-size: 14px; }
  .marquee-track img { height: 40px; }
  h2.h2, .h2 { font-size: 28px; }
  .section { padding: 56px 0; }
  .section-tight { padding: 40px 0; }
  .topbar-inner { padding: 0 18px; flex-direction: column; align-items: flex-start; gap: 8px; }
  .topbar-right { font-size: 11px; }
  .nav-inner { padding: 12px 18px; }
  .inner { padding: 0 18px; }
  .hero-inner, .footer-grid, .footer-bottom { padding-left: 18px; padding-right: 18px; }
  .statband .inner { padding: 0 18px; }
  .contact-form .row-2 { grid-template-columns: 1fr; }
  .cta-band-details { gap: 24px; flex-direction: column; align-items: center; }
}

@media (max-width: 560px) {
  .hero { padding: 64px 0 64px; min-height: 420px; }
  .statband { padding: 40px 0; }
  .three-col, .four-col, .steps-grid { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr; gap: 14px; }
  .lender-grid { grid-template-columns: 1fr 1fr; }
  .lender-more { grid-column: span 2; }
  .trust-row { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .map-wrap iframe { height: 320px !important; }
  .footer-map iframe { height: 140px !important; }
  .calc-result-num { font-size: 40px; }
  .contact-form-wrap { padding: 20px; }
  h2.h2, .h2 { font-size: 24px; }
  .section { padding: 44px 0; }
  .cta-band { padding: 48px 0; }
  .cta-band h2 { font-size: 26px; }
}

/* SECTION INTRO LAYOUT */
.intro-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
@media (max-width: 980px) { .intro-grid { grid-template-columns: 1fr; gap: 24px; } }

/* HERO with no stats (lighter pages) */
.hero.hero-slim { padding: 56px 0 44px; }
.hero.hero-slim .hero-inner { grid-template-columns: 1fr; }
.hero.hero-slim h1 { font-size: 46px; }
@media (max-width: 980px) { .hero.hero-slim h1 { font-size: 34px; } }

/* PRINT */
@media print {
  nav, .topbar, .cta-band, .site-footer, .disclaimer-band, .contact-form-wrap { display: none; }
  body { color: #000; }
  .hero { background: none; padding: 20px 0; }
  .hero h1 { color: #000; }
}