/* mbanc — restricted palette · elegant typography */
:root {
  --navy: #091638;
  --navy-2: #003366;
  --orange: #FF3300;
  --lime: #D0FD7A;
  --white: #FFFFFF;
  --black: #000000;

  /* derived neutrals via opacity on white/navy only */
  --ink: #091638;
  --ink-2: rgba(9,22,56,0.72);
  --ink-3: rgba(9,22,56,0.52);
  --ink-4: rgba(9,22,56,0.28);
  --rule: rgba(9,22,56,0.12);
  --rule-soft: rgba(9,22,56,0.06);
  --paper: #FFFFFF;
  --paper-warm: #FBFAF7;
  --paper-2: #F4F2EC;

  --inv-ink: rgba(255,255,255,0.86);
  --inv-ink-2: rgba(255,255,255,0.62);
  --inv-rule: rgba(255,255,255,0.14);

  /* Manrope is the brand workhorse (substitute for Loos Normal).
     Instrument Serif is a sparing italic accent only — for emphasis and a few large numbers. */
  --sans: "Manrope", "Loos Normal", -apple-system, "Segoe UI", system-ui, sans-serif;
  --display: "Manrope", "Loos Normal", -apple-system, "Segoe UI", system-ui, sans-serif;
  --accent-serif: "Instrument Serif", "Cormorant Garamond", "Georgia", serif;
  --mono: "Geist Mono", "JetBrains Mono", ui-monospace, "Menlo", monospace;

  --container: 1240px;
  --gutter: 32px;

  --r-xs: 4px;
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 20px;

  --dur-fast: 120ms;
  --dur-base: 220ms;
  --dur-slow: 360ms;
  --ease: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  font-weight: 400;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.5;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: transparent; color: inherit; }

::selection { background: var(--lime); color: var(--navy); }

/* ---------- Typography ---------- */
.serif { font-family: var(--accent-serif); font-weight: 400; letter-spacing: -0.005em; font-style: italic; }
.sans { font-family: var(--sans); }
.mono { font-family: var(--mono); font-feature-settings: "tnum"; }
.tabular { font-variant-numeric: tabular-nums; }

/* Italic accent — for rhetorical emphasis only, used sparingly */
.accent-italic, em.accent { font-family: var(--accent-serif); font-style: italic; font-weight: 400; letter-spacing: -0.005em; }

.overline {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink-3);
}
.overline .dot {
  display: inline-block;
  width: 4px; height: 4px;
  background: var(--orange);
  border-radius: 50%;
  vertical-align: 2px;
  margin-right: 8px;
}

h1, h2, h3, h4 { margin: 0; font-weight: 700; letter-spacing: -0.02em; line-height: 1.05; }
h1 { font-family: var(--display); font-weight: 800; font-size: clamp(40px, 5.2vw, 76px); }
h2 { font-family: var(--display); font-weight: 800; font-size: clamp(32px, 4vw, 56px); }
h3 { font-family: var(--display); font-weight: 700; font-size: clamp(22px, 2.2vw, 32px); letter-spacing: -0.015em; }
h4 { font-family: var(--sans); font-weight: 600; font-size: 18px; letter-spacing: -0.005em; line-height: 1.3; }

/* Italic emphasis inside headings uses the accent serif for elegance */
h1 em, h2 em, h3 em { font-family: var(--accent-serif); font-style: italic; font-weight: 400; letter-spacing: -0.005em; }

p { margin: 0; }
.lead { font-size: clamp(17px, 1.4vw, 21px); line-height: 1.5; color: var(--ink-2); }
.muted { color: var(--ink-3); }
.small { font-size: 13px; line-height: 1.5; color: var(--ink-3); }
.tiny { font-size: 11px; letter-spacing: 0.02em; color: var(--ink-3); }

em { font-style: italic; }

/* ---------- Layout ---------- */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.section { padding: 96px 0; }
.section-tight { padding: 64px 0; }
.section + .section { border-top: 1px solid var(--rule); }

.eyebrow-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 28px;
}
.hairline {
  height: 1px;
  flex: 1;
  background: var(--rule);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px;
  border-radius: var(--r-sm);
  font-weight: 500;
  font-size: 15px;
  letter-spacing: 0.005em;
  transition: transform var(--dur-fast) var(--ease), background var(--dur-base) var(--ease), color var(--dur-base) var(--ease), box-shadow var(--dur-base) var(--ease);
  white-space: nowrap;
  line-height: 1;
}
.btn:active { transform: scale(0.97); }

.btn-primary {
  background: var(--orange);
  color: var(--white);
}
.btn-primary:hover { background: #E62E00; box-shadow: 0 8px 24px rgba(255,51,0,0.25); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: #050E22; }

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
}
.btn-ghost:hover { background: var(--navy); color: var(--white); }

.btn-ghost-inv {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.4);
}
.btn-ghost-inv:hover { background: var(--white); color: var(--navy); border-color: var(--white); }

.btn-link {
  display: inline-flex;
  align-items: baseline;
  gap: 6px;
  color: var(--navy);
  border-bottom: 1px solid var(--rule);
  padding-bottom: 2px;
  font-weight: 500;
}
.btn-link:hover { color: var(--orange); border-color: var(--orange); }

.arrow { display: inline-block; transition: transform var(--dur-base) var(--ease); }
.btn-link:hover .arrow, a:hover .arrow { transform: translateX(3px); }

/* ---------- Top utility bar ---------- */
.utility {
  background: var(--navy);
  color: var(--inv-ink);
  font-size: 12.5px;
  padding: 9px 0;
  letter-spacing: 0.01em;
}
.utility .container { display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.utility .live { display: inline-flex; align-items: center; gap: 8px; }
.utility .pulse {
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(208,253,122,0.6);
  animation: pulse 2.2s var(--ease) infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(208,253,122,0.55); }
  70% { box-shadow: 0 0 0 8px rgba(208,253,122,0); }
  100% { box-shadow: 0 0 0 0 rgba(208,253,122,0); }
}
.utility a { border-bottom: 1px solid rgba(255,255,255,0.25); padding-bottom: 1px; }
.utility a:hover { color: var(--lime); border-color: var(--lime); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(18px) saturate(1.4);
  -webkit-backdrop-filter: blur(18px) saturate(1.4);
  border-bottom: 1px solid var(--rule);
}
.nav {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 48px;
  height: 104px;
}
.logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  height: 83px;
}
.logo img {
  height: 83px;
  width: auto;
  display: block;
  transition: opacity var(--dur-base) var(--ease);
}
.logo:hover img { opacity: 0.85; }

.primary-nav { justify-self: center; }
.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0; padding: 0;
}
.nav-item {
  position: relative;
  display: flex;
  align-items: center;
}
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  padding: 10px 14px;
  letter-spacing: 0.005em;
  cursor: pointer;
  border-radius: var(--r-sm);
  background: transparent;
  border: 0;
  line-height: 1;
  transition: color var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease);
  white-space: nowrap;
}
.nav-link:hover { color: var(--navy); background: var(--paper-2); }
.nav-item.has-menu:hover .nav-link { color: var(--navy); background: var(--paper-2); }

.caret {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translate(-2px, -2px);
  opacity: 0.45;
  transition: transform var(--dur-base) var(--ease), opacity var(--dur-fast) var(--ease);
  margin-top: -2px;
}
.nav-item.has-menu:hover .caret {
  transform: rotate(225deg) translate(-2px, -2px);
  opacity: 0.9;
}

.nav-cta { display: inline-flex; align-items: center; gap: 18px; flex-shrink: 0; }
.nav-cta .btn {
  font-size: 15px;
  font-weight: 600;
  padding: 13px 20px;
}
.nav-cta .phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  color: var(--ink-2);
  letter-spacing: 0.005em;
}
.nav-cta .phone:hover { color: var(--navy); }
.nav-cta .phone-dot {
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(208,253,122,0.25);
}

/* Mega menu */
.megamenu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(6px);
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  box-shadow:
    0 28px 60px -24px rgba(9,22,56,0.22),
    0 6px 14px -6px rgba(9,22,56,0.06);
  padding: 14px;
  min-width: 280px;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--dur-base) var(--ease), transform var(--dur-base) var(--ease);
  z-index: 60;
}
.megamenu::before {
  content: "";
  position: absolute;
  top: -8px;
  left: 0; right: 0;
  height: 16px;
}
.megamenu.wide {
  min-width: 660px;
  padding: 22px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.nav-item.has-menu:hover .megamenu {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}
.mm-title {
  font-size: 10.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 500;
  padding: 0 12px 10px;
  margin-bottom: 4px;
  border-bottom: 1px solid var(--rule);
}
.megamenu a {
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding: 10px 12px;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  border-radius: var(--r-xs);
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
  line-height: 1.2;
}
.megamenu a em {
  font-style: normal;
  font-size: 12px;
  font-weight: 400;
  color: var(--ink-3);
  letter-spacing: 0.005em;
}
.megamenu a:hover { background: var(--paper-2); color: var(--orange); }
.megamenu a:hover em { color: var(--ink-2); }

/* ---------- Hero ---------- */
.hero {
  background: var(--paper-warm);
  padding: 88px 0 96px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

/* ============ Hero background variants ============ */
/* Variant 1 — Architectural (default) */
.hero[data-bg="architectural"]::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse 60% 50% at 12% 110%, rgba(255,51,0,0.07), transparent 60%),
    radial-gradient(ellipse 50% 55% at 95% -10%, rgba(9,22,56,0.07), transparent 60%),
    repeating-linear-gradient(0deg, transparent 0 28px, rgba(9,22,56,0.025) 28px 29px),
    repeating-linear-gradient(90deg, transparent 0 28px, rgba(9,22,56,0.025) 28px 29px);
  pointer-events: none;
  z-index: 0;
}
.hero[data-bg="architectural"]::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(to right,  var(--navy) 0, var(--navy) 36px, transparent 36px),
    linear-gradient(to bottom, var(--navy) 0, var(--navy) 36px, transparent 36px),
    linear-gradient(to left,   var(--navy) 0, var(--navy) 36px, transparent 36px),
    linear-gradient(to top,    var(--navy) 0, var(--navy) 36px, transparent 36px);
  background-size: 36px 1px, 1px 36px, 36px 1px, 1px 36px;
  background-position:
    24px 24px, 24px 24px,
    calc(100% - 24px) calc(100% - 24px), calc(100% - 24px) calc(100% - 24px);
  background-repeat: no-repeat;
  opacity: 0.55;
  pointer-events: none;
  z-index: 0;
}

/* Variant layers — hidden unless their bg is active */
.hero-bg-layer {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: 0;
  transition: opacity 0.45s var(--ease);
}
.hero[data-bg="pinstripe"] .hero-bg-pinstripe,
.hero[data-bg="blueprint"] .hero-bg-blueprint,
.hero[data-bg="topo"]      .hero-bg-topo,
.hero[data-bg="vault"]     .hero-bg-vault { opacity: 1; }

/* Variant 2 — Pinstripe (banker tradition) */
.hero-bg-pinstripe {
  background-image:
    radial-gradient(ellipse 70% 70% at 10% 110%, rgba(255,51,0,0.08), transparent 60%),
    radial-gradient(ellipse 50% 60% at 90% -10%, rgba(9,22,56,0.08), transparent 60%),
    repeating-linear-gradient(90deg,
      transparent 0 22px,
      rgba(9,22,56,0.07) 22px 23px,
      transparent 23px 28px,
      rgba(9,22,56,0.025) 28px 29px
    );
}

/* Variant 3 — Blueprint */
.hero-bg-blueprint {
  background-image:
    radial-gradient(ellipse 80% 80% at 50% 50%, rgba(9,22,56,0.06), transparent 80%),
    repeating-linear-gradient(0deg,  transparent 0 23px, rgba(9,22,56,0.06) 23px 24px),
    repeating-linear-gradient(90deg, transparent 0 23px, rgba(9,22,56,0.06) 23px 24px),
    repeating-linear-gradient(0deg,  transparent 0 119px, rgba(9,22,56,0.14) 119px 120px),
    repeating-linear-gradient(90deg, transparent 0 119px, rgba(9,22,56,0.14) 119px 120px);
}
.hero[data-bg="blueprint"] .hero-bg-glyph { color: var(--navy); opacity: 0.05; }
.hero[data-bg="blueprint"] { background: #F6F4ED; }

/* Variant 4 — Topographic (SVG flow lines) */
.hero-bg-topo svg {
  width: 100%; height: 100%;
  position: absolute;
  inset: 0;
}
.hero[data-bg="topo"] {
  background:
    linear-gradient(180deg, var(--paper-warm) 0%, #F2EFE5 100%);
}
.hero[data-bg="topo"]::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 55% 50% at 15% 110%, rgba(255,51,0,0.06), transparent 60%);
  pointer-events: none;
  z-index: 0;
}

/* Variant 5 — Vault (concentric frames + warm radial) */
.hero-bg-vault {
  background-image:
    radial-gradient(circle at 50% 60%, rgba(255,51,0,0.12), transparent 50%),
    radial-gradient(circle at 50% 60%, rgba(9,22,56,0.0) 0%, rgba(9,22,56,0.04) 80%);
}
.hero-bg-vault::before {
  content: "";
  position: absolute;
  inset: 8% 18%;
  border: 1px solid rgba(9,22,56,0.18);
  border-radius: 8px;
  pointer-events: none;
}
.hero-bg-vault::after {
  content: "";
  position: absolute;
  inset: 14% 24%;
  border: 1px solid rgba(9,22,56,0.12);
  border-radius: 6px;
  pointer-events: none;
}
.hero[data-bg="vault"] .hero-bg-glyph { opacity: 0.06; color: var(--navy); }

/* Big decorative italic "m" glyph (universal but tunable per variant) */
.hero-bg-glyph {
  position: absolute;
  bottom: -120px;
  right: -60px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 720px;
  font-weight: 400;
  line-height: 0.8;
  color: var(--navy);
  opacity: 0.04;
  pointer-events: none;
  z-index: 0;
  letter-spacing: -0.05em;
  user-select: none;
  transition: opacity 0.45s var(--ease), color 0.45s var(--ease);
}
.hero[data-bg="pinstripe"] .hero-bg-glyph { opacity: 0.035; }
.hero[data-bg="topo"]      .hero-bg-glyph { opacity: 0.03; }

/* ============ Background picker UI ============ */
.hero-bg-picker {
  position: absolute;
  top: 28px;
  right: 28px;
  z-index: 3;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid var(--rule);
  border-radius: 99px;
  padding: 5px 6px 5px 14px;
  box-shadow: 0 8px 24px -10px rgba(9,22,56,0.18);
}
.hero-bg-picker-label {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-right: 4px;
  padding-right: 8px;
  border-right: 1px solid var(--rule);
}
.hero-bg-swatch {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 10px 5px 5px;
  border: 1px solid transparent;
  border-radius: 99px;
  background: transparent;
  cursor: pointer;
  transition: all 0.18s var(--ease);
}
.hero-bg-swatch:hover { background: var(--paper-warm); }
.hero-bg-swatch.active {
  background: var(--navy);
  border-color: var(--navy);
}
.hero-bg-swatch.active .sw-name { color: var(--white); }
.hero-bg-swatch.active [class^="sw-"]:not(.sw-name) { box-shadow: 0 0 0 2px var(--white); }
.hero-bg-swatch .sw-name {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.005em;
  color: var(--ink-2);
}

/* Swatch preview chips */
.hero-bg-swatch > span:first-child {
  width: 22px; height: 16px;
  border-radius: 3px;
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}
.sw-arch::after {
  content: "";
  position: absolute;
  inset: 2px;
  background-image:
    linear-gradient(to right,  var(--navy) 0 4px, transparent 4px),
    linear-gradient(to bottom, var(--navy) 0 4px, transparent 4px),
    linear-gradient(to left,   var(--navy) 0 4px, transparent 4px),
    linear-gradient(to top,    var(--navy) 0 4px, transparent 4px);
  background-size: 4px 1px, 1px 4px, 4px 1px, 1px 4px;
  background-position: 0 0, 0 0, 100% 100%, 100% 100%;
  background-repeat: no-repeat;
}
.sw-pin::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(90deg, transparent 0 3px, rgba(9,22,56,0.55) 3px 4px);
}
.sw-blue::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    repeating-linear-gradient(0deg,  transparent 0 3px, rgba(9,22,56,0.35) 3px 4px),
    repeating-linear-gradient(90deg, transparent 0 3px, rgba(9,22,56,0.35) 3px 4px);
}
.sw-topo::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 100% 30% at 50% 110%, rgba(9,22,56,0.5), transparent 60%),
    radial-gradient(ellipse 100% 25% at 50% 90%, rgba(9,22,56,0.35), transparent 60%),
    radial-gradient(ellipse 100% 20% at 50% 70%, rgba(9,22,56,0.22), transparent 60%);
}
.sw-vault::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(255,51,0,0.5), transparent 65%);
  border: 1px solid rgba(9,22,56,0.4);
  border-radius: 1px;
  box-sizing: border-box;
}
.sw-vault {
  background: var(--paper-warm);
  position: relative;
}

@media (max-width: 1100px) {
  .hero-bg-picker { display: none; }
}
/* Ticker bar pinned to top-left as a banking signature */
.hero-ticker-mark {
  position: absolute;
  top: 28px;
  left: 28px;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  text-transform: uppercase;
}
.hero-ticker-mark .pulse {
  width: 7px; height: 7px;
  background: var(--orange);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(255,51,0,0.5);
  animation: pulse-o 2.2s var(--ease) infinite;
}
.hero-ticker-mark .sep { color: var(--ink-4); }
.hero-ticker-mark strong { color: var(--navy); font-weight: 600; }
/* Document signature in bottom-left */
.hero-doc-mark {
  position: absolute;
  bottom: 28px;
  left: 28px;
  z-index: 1;
  font-family: var(--mono);
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.hero-doc-mark span { padding: 0 10px; border-left: 1px solid var(--rule); }
.hero-doc-mark span:first-child { padding-left: 0; border-left: 0; }
.hero .container {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 72px;
  position: relative;
  z-index: 2;
}

.hero h1 {
  font-size: clamp(42px, 4.4vw, 64px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin-bottom: 32px;
}
.hero h1 .em { font-style: italic; color: var(--ink-2); }
.hero h1 .accent { color: var(--orange); font-style: italic; }

.hero-tagline {
  display: inline-flex;
  align-items: center;
  gap: 0;
  padding: 14px 22px;
  margin-bottom: 28px;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--r-sm);
  font-family: var(--sans);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  box-shadow: 0 12px 32px -16px rgba(9,22,56,0.4);
  position: relative;
}
.hero-tagline::before {
  display: none;
}
.hero-tagline span {
  position: relative;
  padding: 0 16px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.hero-tagline span:first-child { padding-left: 0; }
.hero-tagline span:last-child { padding-right: 0; }
.hero-tagline span:not(:last-child)::after {
  content: "";
  display: inline-block;
  margin-left: 16px;
  width: 4px; height: 4px;
  background: var(--lime);
  border-radius: 50%;
}
.hero-tagline span.last-strong {
  color: var(--lime);
}

.hero-body {
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 580px;
  margin-bottom: 36px;
}
.hero-body strong { color: var(--navy); font-weight: 600; }

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* QuickQual card */
.quickqual {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: 28px;
  box-shadow: 0 24px 60px -24px rgba(9,22,56,0.16), 0 2px 4px rgba(9,22,56,0.04);
  align-self: start;
}
.quickqual-head {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--rule);
}
.quickqual-head .live-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy);
}
.quickqual-head .live-pill .pulse-orange {
  width: 6px; height: 6px;
  background: var(--orange);
  border-radius: 50%;
  animation: pulse-o 2.2s var(--ease) infinite;
}
@keyframes pulse-o {
  0% { box-shadow: 0 0 0 0 rgba(255,51,0,0.5); }
  70% { box-shadow: 0 0 0 7px rgba(255,51,0,0); }
}
.quickqual-head .step {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}

.qq-q {
  font-family: var(--display);
  font-size: 26px;
  letter-spacing: -0.01em;
  margin-bottom: 8px;
  color: var(--navy);
  line-height: 1.1;
}
.qq-sub { font-size: 13.5px; color: var(--ink-3); margin-bottom: 22px; line-height: 1.5; }

.qq-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 22px;
}
.qq-opt {
  border: 1px solid var(--rule);
  background: var(--white);
  border-radius: var(--r-sm);
  padding: 13px 14px;
  text-align: left;
  transition: all var(--dur-fast) var(--ease);
  cursor: pointer;
}
.qq-opt:hover { border-color: var(--navy); background: var(--paper-warm); }
.qq-opt.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.qq-opt.active .qq-opt-sub { color: rgba(255,255,255,0.65); }
.qq-opt-label { font-size: 13.5px; font-weight: 500; line-height: 1.1; display: block; margin-bottom: 3px; }
.qq-opt-sub { font-size: 11.5px; color: var(--ink-3); }

.qq-progress {
  height: 2px;
  background: var(--rule);
  border-radius: 99px;
  overflow: hidden;
  margin-bottom: 22px;
}
.qq-progress .fill {
  height: 100%;
  width: 25%;
  background: var(--orange);
  transition: width var(--dur-slow) var(--ease);
}

.qq-foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid var(--rule);
}
.qq-foot .small { font-size: 12px; flex: 1; text-align: center; line-height: 1.4; }
.qq-foot .btn { flex-shrink: 0; }
.qq-back {
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  padding: 14px 22px;
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  background: var(--paper-warm);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  letter-spacing: 0.005em;
  line-height: 1;
  transition: all var(--dur-fast) var(--ease);
}
.qq-back:hover {
  color: var(--white);
  background: var(--navy);
  border-color: var(--navy);
}

/* Stepper transitions */
.qq-step { display: none; animation: qqFade 0.32s var(--ease); }
.qq-step.active { display: block; }
@keyframes qqFade {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.qq-field-label {
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 500;
  margin-bottom: 10px;
  margin-top: 4px;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.qq-field-val {
  font-family: var(--display);
  font-style: italic;
  font-size: 18px;
  color: var(--orange);
  letter-spacing: -0.005em;
  text-transform: none;
}
.qq-options + .qq-field-label { margin-top: 16px; }
.qq-options-3 {
  grid-template-columns: repeat(3, 1fr);
  margin-bottom: 0;
}

/* Range slider */
.qq-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 99px;
  background: var(--rule);
  outline: 0;
  margin: 8px 0 6px;
  cursor: pointer;
}
.qq-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(9,22,56,0.25);
  transition: transform var(--dur-fast) var(--ease);
}
.qq-range::-webkit-slider-thumb:hover { transform: scale(1.1); }
.qq-range::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(9,22,56,0.25);
}
.qq-range-axis {
  display: flex;
  justify-content: space-between;
  font-size: 10.5px;
  letter-spacing: 0.06em;
  color: var(--ink-3);
  margin-top: 6px;
  font-variant-numeric: tabular-nums;
}

/* Inputs */
.qq-input-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}
.qq-input {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.qq-input span {
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 500;
}
.qq-input input, .qq-input select {
  font: inherit;
  font-size: 14px;
  color: var(--navy);
  padding: 11px 12px;
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  background: var(--white);
  outline: 0;
  transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
  width: 100%;
}
.qq-input input:focus, .qq-input select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(9,22,56,0.08);
}
.qq-consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 11.5px;
  line-height: 1.5;
  color: var(--ink-3);
}
.qq-consent input { margin-top: 3px; accent-color: var(--orange); }
.qq-consent a { color: var(--navy); border-bottom: 1px solid var(--rule); }
.qq-consent a:hover { color: var(--orange); border-color: var(--orange); }
.qq-consent strong { color: var(--navy); font-weight: 500; }

/* Success */
.qq-success { text-align: left; padding: 8px 0; }
.qq-check {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--lime);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--display);
  font-size: 32px;
  font-weight: 400;
  margin-bottom: 18px;
}
.qq-slots {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.qq-slot {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  padding: 12px 14px;
  text-align: left;
  font-size: 11.5px;
  color: var(--ink-3);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--dur-fast) var(--ease);
}
.qq-slot strong {
  display: block;
  font-family: var(--display);
  font-size: 18px;
  font-weight: 400;
  color: var(--navy);
  letter-spacing: -0.005em;
  margin-top: 4px;
  text-transform: none;
}
.qq-slot:hover { border-color: var(--navy); background: var(--paper-warm); }
.qq-slot.active { background: var(--navy); color: var(--lime); border-color: var(--navy); }
.qq-slot.active strong { color: var(--white); }

.qq-tagline {
  font-family: var(--display);
  font-style: italic;
  font-size: 14px;
  color: var(--ink-3);
  text-align: center;
  margin-top: 22px;
  display: flex;
  justify-content: center;
  gap: 14px;
}
.qq-tagline span { position: relative; padding-right: 14px; }
.qq-tagline span:not(:last-child)::after {
  content: "·";
  position: absolute;
  right: 0;
  color: var(--orange);
}

/* ---------- Stats / trust bar ---------- */
.trust-bar {
  background: var(--navy);
  color: var(--white);
  padding: 56px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  align-items: center;
}
.trust-item { border-left: 1px solid var(--inv-rule); padding-left: 24px; }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-item .stat {
  font-family: var(--display);
  font-size: 56px;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--white);
  margin-bottom: 8px;
  display: flex;
  align-items: baseline;
  min-height: 56px;
  font-variant-numeric: tabular-nums;
}
.trust-item .stat .unit { color: var(--orange); font-style: italic; font-size: 0.55em; margin-left: 4px; }
.trust-item .label {
  font-size: 14.5px;
  color: var(--inv-ink-2);
  letter-spacing: 0.01em;
  line-height: 1.4;
}
.trust-stars {
  font-size: 15px;
  letter-spacing: 0.15em;
  color: var(--lime);
  margin-bottom: 6px;
  line-height: 1;
}
/* Reserve equivalent space in columns without stars so .stat rows align across all 4 */
.trust-item:not(:has(.trust-stars))::before {
  content: "★";
  display: block;
  visibility: hidden;
  font-size: 15px;
  line-height: 1;
  margin-bottom: 6px;
  letter-spacing: 0.15em;
}

.trust-badges {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
  padding-top: 36px;
  margin-top: 36px;
  border-top: 1px solid var(--inv-rule);
}
.trust-badges span {
  font-size: 16px;
  color: var(--inv-ink-2);
  letter-spacing: 0.04em;
  padding: 0 28px;
  border-left: 1px solid var(--inv-rule);
}
.trust-badges span:first-child { border-left: 0; }

/* ---------- Ticker ---------- */
.ticker {
  background: var(--lime);
  color: var(--navy);
  padding: 14px 0;
  overflow: hidden;
  border-top: 1px solid var(--navy);
  border-bottom: 1px solid var(--navy);
}
.ticker-track {
  display: flex;
  gap: 36px;
  white-space: nowrap;
  animation: ticker 60s linear infinite;
  font-family: var(--sans);
  font-size: 19px;
  font-weight: 700;
  letter-spacing: -0.005em;
}
.ticker-track span { display: inline-flex; align-items: center; gap: 36px; }
.ticker-track span::after {
  content: "✦";
  font-weight: 400;
  color: var(--orange);
  font-size: 11px;
}
@keyframes ticker {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ---------- Brian testimonial ---------- */
.testimonial-section {
  background: var(--paper-warm);
}
.testimonial-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 72px;
  align-items: center;
}

.video-frame {
  background: var(--navy);
  border-radius: var(--r-lg);
  aspect-ratio: 9 / 11;
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 80px -30px rgba(9,22,56,0.4);
}
.video-frame::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 50% 40%, rgba(255,51,0,0.18), transparent 60%),
    linear-gradient(180deg, #0d1c45 0%, #050C20 100%);
}
.video-frame::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    repeating-linear-gradient(0deg, transparent 0 24px, rgba(255,255,255,0.02) 24px 25px),
    repeating-linear-gradient(90deg, transparent 0 24px, rgba(255,255,255,0.02) 24px 25px);
}
.video-play {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
}
.video-play .circle {
  width: 97px; height: 97px;
  background: var(--orange);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 20px 50px rgba(255,51,0,0.35), inset 0 0 0 7px rgba(255,255,255,0.12);
  transition: transform var(--dur-base) var(--ease);
}
.video-play:hover .circle { transform: scale(1.08); }
.video-play .circle::after {
  content: "";
  width: 0; height: 0;
  border-style: solid;
  border-width: 13px 0 13px 20px;
  border-color: transparent transparent transparent var(--white);
  margin-left: 4px;
}

.video-meta {
  position: absolute;
  z-index: 2;
  left: 24px;
  right: 24px;
  bottom: 22px;
  color: var(--white);
}
.video-meta .top {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 11.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
}
.video-meta .verified {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--lime);
  letter-spacing: 0.04em;
}
.video-meta .title {
  font-family: var(--display);
  font-size: 18px;
  line-height: 1.2;
}

.video-tag-top {
  position: absolute;
  z-index: 2;
  top: 22px;
  left: 24px;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--lime);
}
.video-stars {
  position: absolute;
  z-index: 2;
  top: 22px;
  right: 24px;
  color: var(--lime);
  letter-spacing: 0.12em;
  font-size: 13px;
}

.testimonial-eyebrow {
  display: inline-block;
  font-family: var(--display);
  font-style: italic;
  font-size: 16px;
  color: var(--orange);
  margin-bottom: 22px;
}
.testimonial-section h2 {
  margin-bottom: 24px;
}
.testimonial-section h2 em { color: var(--ink-3); }

.transcript {
  margin-top: 36px;
  padding: 22px 24px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  border-left: 3px solid var(--orange);
}
.transcript .label {
  display: flex; justify-content: space-between;
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 12px;
  font-weight: 500;
}
.transcript blockquote {
  font-family: var(--display);
  font-style: italic;
  font-size: 17px;
  line-height: 1.55;
  margin: 0 0 14px;
  color: var(--ink-2);
}
.transcript .attrib { font-size: 12.5px; color: var(--ink-3); }

.testimonial-actions { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }

/* ---------- Press ---------- */
.press {
  background: var(--navy);
  padding: 72px 0 84px;
  border-top: 1px solid var(--navy);
  border-bottom: 1px solid var(--navy);
  position: relative;
  overflow: hidden;
}
.press::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 0% 0%, rgba(208,253,122,0.04), transparent 40%),
    radial-gradient(circle at 100% 100%, rgba(255,51,0,0.05), transparent 40%);
  pointer-events: none;
}
.press .container { position: relative; z-index: 1; }
.press-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}
.press-headline {
  color: var(--white);
  font-size: clamp(22px, 2.2vw, 28px);
  letter-spacing: -0.015em;
  line-height: 1.2;
  max-width: 600px;
  font-weight: 700;
}
.press-headline em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--lime);
  letter-spacing: -0.005em;
}

.press-row {
  display: grid;
  grid-template-columns: repeat(9, 1fr);
  gap: 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.press-tile {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 16px;
  border-right: 1px solid rgba(255,255,255,0.1);
  position: relative;
  transition: background var(--dur-base) var(--ease);
  cursor: pointer;
}
.press-tile:last-child { border-right: 0; }
.press-tile:hover { background: rgba(255,255,255,0.04); }

.press-logo {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--white);
  line-height: 1;
  user-select: none;
  filter: brightness(1);
  transition: filter var(--dur-base) var(--ease);
}
.press-tile:hover .press-logo { filter: brightness(1.15); }

/* The Washington Post — serif, white */
.press-logo.wapo {
  flex-direction: column;
  align-items: center;
  gap: 3px;
  font-family: "Cormorant Garamond", "Times New Roman", serif;
  color: var(--white);
}
.press-logo.wapo .wapo-tag {
  font-style: italic;
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 0.005em;
}
.press-logo.wapo .wapo-name {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -0.005em;
  white-space: nowrap;
  border-top: 0.5px solid var(--white);
  border-bottom: 0.5px solid var(--white);
  padding: 2px 0;
}

/* USA Today — bold sans with circle accent */
.press-logo.usat {
  font-family: "Helvetica Neue", "Arial Black", sans-serif;
  font-weight: 900;
  font-size: 17px;
  letter-spacing: -0.01em;
  color: var(--white);
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.usat-dot {
  width: 14px; height: 14px;
  background: #1996F0;
  border-radius: 50%;
  display: inline-block;
}

/* Yahoo Finance — purple */
.press-logo.yahoo {
  flex-direction: column;
  align-items: center;
  gap: 1px;
  font-family: "Helvetica Neue", "Arial Black", sans-serif;
}
.press-logo.yahoo .yahoo-name {
  font-weight: 900;
  font-size: 18px;
  letter-spacing: -0.02em;
  color: #6001D2;
  background: var(--white);
  padding: 2px 6px;
  border-radius: 3px;
  line-height: 1;
}
.press-logo.yahoo .yahoo-sub {
  font-size: 9.5px;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  letter-spacing: 0.06em;
  text-transform: lowercase;
  margin-top: 4px;
}

/* CNBC — peacock with rainbow accent */
.press-logo.cnbc {
  align-items: center;
  gap: 4px;
  font-family: "Helvetica Neue", sans-serif;
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--white);
}
.cnbc-mark {
  width: 14px; height: 14px;
  border-radius: 50%;
  background: conic-gradient(from 0deg, #FFCB05 0deg 60deg, #ED1C24 60deg 120deg, #C9239F 120deg 180deg, #0089D0 180deg 240deg, #00A887 240deg 300deg, #93C83E 300deg 360deg);
  flex-shrink: 0;
}

/* Forbes — italic serif white on black inset */
.press-logo.forbes {
  font-family: "Cormorant Garamond", "Times New Roman", serif;
  font-style: italic;
  font-weight: 700;
  font-size: 26px;
  letter-spacing: -0.015em;
  color: var(--white);
}

/* Business Insider — orange BI mark */
.press-logo.bi {
  align-items: center;
  gap: 8px;
  font-family: "Helvetica Neue", sans-serif;
}
.bi-mark {
  background: #FF5722;
  color: var(--white);
  font-weight: 900;
  font-size: 14px;
  letter-spacing: -0.01em;
  padding: 4px 6px;
  border-radius: 2px;
  line-height: 1;
}
.bi-sub {
  font-size: 11px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.005em;
  text-transform: none;
}

/* Bankrate — green */
.press-logo.bankrate {
  font-family: "Helvetica Neue", sans-serif;
  font-weight: 800;
  font-size: 15px;
  letter-spacing: -0.015em;
  color: var(--white);
  align-items: center;
  gap: 4px;
}
.bankrate-mark {
  background: #3FA34D;
  color: var(--white);
  width: 22px; height: 22px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 900;
  font-family: "Cormorant Garamond", serif;
  font-style: italic;
}

/* National Mortgage News */
.press-logo.nmn {
  flex-direction: column;
  align-items: center;
  gap: 2px;
  text-align: center;
  font-family: "Helvetica Neue", sans-serif;
}
.press-logo.nmn .nmn-sub {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
}
.press-logo.nmn .nmn-name {
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: -0.005em;
  color: var(--white);
  white-space: nowrap;
}

/* TIME — red border */
.press-tile-time { padding: 24px 16px; }
.press-logo.time {
  font-family: "Times New Roman", "Cormorant Garamond", serif;
  font-weight: 900;
  font-style: italic;
  font-size: 22px;
  letter-spacing: 0.02em;
  color: var(--white);
  background: transparent;
  border: 3px solid #E2231A;
  padding: 6px 14px;
  line-height: 1;
}

/* ---------- Three-up pillars ---------- */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
}
.pillars-attached {
  margin-top: 80px;
}
.pillar {
  padding: 56px 40px;
  border-right: 1px solid var(--rule);
  position: relative;
}
.pillar:last-child { border-right: 0; }
.pillar:first-child { padding-left: 0; }
.pillar:last-child { padding-right: 0; }
.pillar .num {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 18px;
  display: block;
}
.pillar h3 {
  font-size: 28px;
  line-height: 1.1;
  margin-bottom: 14px;
}
.pillar p {
  font-size: 15.5px;
  line-height: 1.55;
  color: var(--ink-2);
}
.pillar p strong { color: var(--navy); font-weight: 600; }

/* ---------- Direct bank section ---------- */
.direct-bank {
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.direct-bank::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(208,253,122,0.05), transparent 50%),
    repeating-linear-gradient(0deg, transparent 0 60px, rgba(255,255,255,0.02) 60px 61px),
    repeating-linear-gradient(90deg, transparent 0 60px, rgba(255,255,255,0.02) 60px 61px);
  pointer-events: none;
}
.direct-bank .container { position: relative; z-index: 1; }
.direct-bank .overline { color: var(--lime); }
.direct-bank .overline .dot { background: var(--orange); }

.direct-bank-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
}
.direct-bank h2 {
  color: var(--white);
  font-size: clamp(36px, 4vw, 56px);
  letter-spacing: -0.02em;
  margin-bottom: 28px;
}
.direct-bank h2 em { color: var(--inv-ink-2); }
.direct-bank h2 .highlight { color: var(--lime); font-style: italic; }
.direct-bank-lead {
  font-size: 17px;
  line-height: 1.55;
  color: var(--inv-ink);
}

.direct-bank-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.direct-bank-bullets li {
  font-size: 16px;
  line-height: 1.5;
  color: var(--inv-ink);
  padding-left: 28px;
  position: relative;
  border-bottom: 1px solid var(--inv-rule);
  padding-bottom: 22px;
}
.direct-bank-bullets li:last-child { border-bottom: 0; }
.direct-bank-bullets li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--orange);
  font-weight: 500;
}
.direct-bank-bullets strong { color: var(--white); font-weight: 600; }
.direct-bank-bullets h4 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--lime);
  margin: 0 0 28px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--inv-rule);
  position: relative;
  line-height: 1.4;
}
.direct-bank-bullets h4::before {
  content: "";
  display: inline-block;
  width: 24px;
  height: 1px;
  background: var(--orange);
  vertical-align: middle;
  margin-right: 12px;
  margin-bottom: 3px;
}

.direct-bank-cta {
  margin-top: 64px;
  padding-top: 36px;
  border-top: 1px solid var(--inv-rule);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}
.direct-bank-cta .phone-block .overline { margin-bottom: 16px; }
.direct-bank-cta .big-phone {
  font-family: var(--display);
  font-size: 44px;
  letter-spacing: -0.02em;
  color: var(--white);
  display: block;
  margin-bottom: 10px;
}
.direct-bank-cta .big-phone:hover { color: var(--orange); }
.direct-bank-cta .phone-desc { color: var(--inv-ink-2); font-size: 14.5px; line-height: 1.55; }

.direct-bank-reviews .rating {
  font-family: var(--display);
  font-size: 72px;
  letter-spacing: -0.02em;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.direct-bank-reviews .stars { color: var(--lime); letter-spacing: 0.12em; margin-bottom: 18px; }
.direct-bank-reviews ul { list-style: none; padding: 0; margin: 0; color: var(--inv-ink); font-size: 14.5px; line-height: 1.7; }
.direct-bank-reviews strong { color: var(--white); font-weight: 600; }

/* ---------- Founder video section ---------- */
.founder {
  background: var(--paper);
  padding: 120px 0;
}
.founder-grid {
  display: grid;
  grid-template-columns: 1fr 1.22fr;
  gap: 80px;
  align-items: center;
}
.founder h2 {
  font-size: clamp(36px, 3.8vw, 52px);
  letter-spacing: -0.02em;
  margin-bottom: 24px;
  line-height: 1.05;
}
.founder h2 em { color: var(--ink-3); }
.founder-meta {
  margin-top: 36px;
  display: flex;
  gap: 14px;
  align-items: center;
}
.founder-meta .pip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  letter-spacing: 0.04em;
  color: var(--ink-3);
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  padding: 7px 12px;
  border-radius: var(--r-sm);
}
.founder-meta .pip strong { color: var(--navy); font-weight: 600; }
.founder-meta .pip .dot { width: 5px; height: 5px; border-radius: 50%; background: var(--orange); }

.founder-stats {
  margin-top: 48px;
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  font-size: 13.5px;
  color: var(--ink-2);
  line-height: 1.6;
}
.founder-stats span { display: inline-flex; align-items: center; gap: 8px; }
.founder-stats strong { color: var(--navy); font-weight: 600; }
.founder-stats span::before {
  content: "";
  width: 3px; height: 3px;
  background: var(--orange);
  border-radius: 50%;
}

/* ---------- Personas ---------- */
.personas {
  padding: 84px 0;
  background: var(--paper-2);
}

.personas-head {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 48px;
  align-items: end;
  margin-bottom: 40px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--rule);
}
.personas-actions {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 14px;
}

.persona-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.persona-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  overflow: hidden;
  min-height: 260px;
  cursor: pointer;
  transition:
    transform 0.45s var(--ease),
    box-shadow 0.45s var(--ease),
    border-color 0.35s var(--ease),
    background 0.35s var(--ease);
  text-decoration: none;
  color: inherit;
  isolation: isolate;
}
.persona-card::before {
  content: attr(data-glyph);
  position: absolute;
  top: 14px;
  right: 18px;
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 600;
  color: var(--ink-4);
  letter-spacing: 0.08em;
  z-index: 3;
  transition: all 0.35s var(--ease);
}
.persona-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(135deg, transparent 0 18px, rgba(9,22,56,0.025) 18px 19px);
  opacity: 0;
  transition: opacity 0.55s var(--ease);
  z-index: 0;
  pointer-events: none;
}

/* Decorative blob that grows on hover */
.persona-card .persona-card-inner::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background:
    radial-gradient(circle, rgba(255,51,0,0.18) 0%, rgba(255,51,0,0) 60%);
  transform: translate(-50%, -50%) scale(0);
  transition: transform 0.65s var(--ease);
  pointer-events: none;
  z-index: 0;
}
/* Spark dot top-left corner */
.persona-card .persona-card-inner::after {
  content: "";
  position: absolute;
  top: 22px;
  left: 22px;
  width: 6px;
  height: 6px;
  background: var(--orange);
  border-radius: 50%;
  opacity: 0;
  transform: scale(0);
  transition: transform 0.4s var(--ease), opacity 0.4s var(--ease);
  box-shadow: 0 0 0 0 rgba(255,51,0,0.3);
  z-index: 2;
}

.persona-card:hover {
  transform: translateY(-6px);
  border-color: var(--navy);
  box-shadow:
    0 28px 50px -22px rgba(9,22,56,0.32),
    0 4px 12px -4px rgba(9,22,56,0.08);
}
.persona-card:hover::after { opacity: 1; }
.persona-card:hover::before {
  color: var(--orange);
  letter-spacing: 0.14em;
  transform: scale(1.08);
}
.persona-card:hover .persona-card-inner::before { transform: translate(-50%, -50%) scale(1); }
.persona-card:hover .persona-card-inner::after {
  opacity: 1;
  transform: scale(1);
  animation: spark-pulse 1.6s var(--ease) infinite;
}
@keyframes spark-pulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(255,51,0,0.4); }
  50%      { box-shadow: 0 0 0 8px rgba(255,51,0,0); }
}

.persona-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 260px;
  z-index: 1;
  overflow: hidden;
}
.persona-front, .persona-back {
  position: absolute;
  inset: 0;
  padding: 24px 22px 22px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 0;
  transition: transform var(--dur-slow) var(--ease), opacity var(--dur-base) var(--ease);
}
.persona-front { opacity: 1; transform: translateY(0); }
.persona-back {
  opacity: 0;
  transform: translateY(12px);
  background: var(--navy);
  color: var(--white);
  pointer-events: none;
  justify-content: space-between;
}

/* The signature glyph anchored bottom-right */
.persona-front::before {
  content: attr(data-mark);
  position: absolute;
  bottom: -28px;
  right: -8px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 170px;
  font-weight: 400;
  line-height: 1;
  color: var(--navy);
  opacity: 0.045;
  pointer-events: none;
  transition: opacity 0.5s var(--ease), transform 0.6s var(--ease), color 0.5s var(--ease);
  transform: translateZ(0);
  z-index: 0;
}
.persona-card:hover .persona-front::before {
  opacity: 0.10;
  color: var(--orange);
  transform: scale(1.05) translateZ(0);
}
.persona-card.persona-writein .persona-front::before {
  color: var(--lime);
  opacity: 0.10;
}
.persona-card.persona-writein:hover .persona-front::before {
  opacity: 0.18;
}

/* Make all front elements sit above the glyph */
.persona-front > * { position: relative; z-index: 1; }

.persona-voice {
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 15px;
  line-height: 1.35;
  color: var(--ink-2);
  letter-spacing: -0.005em;
  margin: 16px 0 0;
  padding-top: 14px;
  border-top: 1px solid var(--rule-soft);
  position: relative;
  max-width: 95%;
  transition: color 0.35s var(--ease);
}
.persona-voice::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 0;
  width: 24px;
  height: 1px;
  background: var(--orange);
}
.persona-card:hover .persona-voice { color: var(--navy); }

.persona-card.persona-writein .persona-voice { color: var(--white); border-top-color: rgba(255,255,255,0.18); }
.persona-card.persona-writein .persona-voice::before { background: var(--lime); }
.persona-card.persona-writein:hover .persona-voice { color: var(--white); }
.persona-card:hover .persona-front { opacity: 0; transform: translateY(-8px); }
.persona-card:hover .persona-back {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.persona-card:hover::before { color: var(--lime); }

.persona-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  align-self: flex-start;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  border: 1px solid currentColor;
  padding: 4px 9px;
  border-radius: 99px;
  line-height: 1;
  position: relative;
  transition: all 0.3s var(--ease);
}
.persona-tag::before {
  content: "";
  width: 5px; height: 5px;
  background: currentColor;
  border-radius: 50%;
  display: inline-block;
}
.persona-card:hover .persona-tag {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
  transform: translateX(2px);
  box-shadow: 0 4px 12px -2px rgba(255,51,0,0.35);
}
.persona-card h4 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 19px;
  line-height: 1.18;
  letter-spacing: -0.015em;
  color: var(--navy);
  margin: 18px 0 0;
  transition: transform 0.4s var(--ease);
}
.persona-card:hover h4 { transform: translateX(3px); }
.persona-meta {
  font-size: 11.5px;
  letter-spacing: 0.04em;
  color: var(--ink-3);
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--rule);
  font-variant-numeric: tabular-nums;
  position: relative;
  transition: color 0.3s var(--ease);
}
.persona-meta::after {
  content: "";
  position: absolute;
  top: -1px;
  left: 0;
  height: 1px;
  width: 0;
  background: var(--orange);
  transition: width 0.5s var(--ease);
}
.persona-card:hover .persona-meta::after { width: 40px; }
.persona-card:hover .persona-meta { color: var(--ink-2); }

.persona-back p {
  font-size: 14px;
  line-height: 1.5;
  color: rgba(255,255,255,0.86);
  margin-top: 28px;
}
.persona-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--lime);
  margin-top: auto;
  padding-top: 14px;
  border-top: 1px solid rgba(255,255,255,0.14);
}
.persona-link .arrow {
  display: inline-block;
  transition: transform 0.35s var(--ease);
}
.persona-card:hover .persona-link .arrow { transform: translateX(6px); }

/* Write-in tile distinct visual */
.persona-card.persona-writein {
  background: var(--navy);
  border-color: var(--navy);
}
.persona-card.persona-writein::after {
  background: repeating-linear-gradient(135deg, transparent 0 18px, rgba(208,253,122,0.06) 18px 19px);
}
.persona-card.persona-writein .persona-card-inner::before {
  background: radial-gradient(circle, rgba(208,253,122,0.22) 0%, rgba(208,253,122,0) 60%);
}
.persona-card.persona-writein .persona-card-inner::after { background: var(--lime); }
.persona-card.persona-writein .persona-tag { color: var(--lime); border-color: var(--lime); }
.persona-card.persona-writein:hover .persona-tag { background: var(--lime); color: var(--navy); border-color: var(--lime); box-shadow: 0 4px 12px -2px rgba(208,253,122,0.4); }
.persona-card.persona-writein h4 { color: var(--white); }
.persona-card.persona-writein .persona-meta { color: rgba(255,255,255,0.6); border-top-color: rgba(255,255,255,0.14); }
.persona-card.persona-writein::before { color: rgba(255,255,255,0.4); }
.persona-card.persona-writein:hover::before { color: var(--lime); }
.persona-card.persona-writein .persona-back { background: var(--lime); color: var(--navy); }
.persona-card.persona-writein .persona-back p { color: rgba(9,22,56,0.78); }
.persona-card.persona-writein .persona-back .persona-link { color: var(--navy); border-top-color: rgba(9,22,56,0.14); }
.persona-card.persona-writein:hover { background: var(--navy); border-color: var(--lime); }

@media (max-width: 1100px) {
  .persona-grid { grid-template-columns: repeat(2, 1fr); }
  .personas-head { grid-template-columns: 1fr; }
  .personas-actions { align-items: flex-start; flex-direction: row; flex-wrap: wrap; }
}
@media (max-width: 720px) {
  .persona-grid { grid-template-columns: 1fr; }
}

/* ---------- Objections ---------- */
.objections {
  background: var(--paper-warm);
}
.obj-intro {
  max-width: 760px;
  margin-bottom: 64px;
}
.obj-intro .overline { margin-bottom: 18px; display: block; }
.obj-intro h2 { margin-bottom: 22px; }

.obj-list {
  display: flex;
  flex-direction: column;
}
.obj-row {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 80px;
  padding: 48px 0;
  border-top: 1px solid var(--rule);
  align-items: start;
}
.obj-row:last-child { border-bottom: 1px solid var(--rule); }
.obj-quote {
  font-family: var(--display);
  font-style: italic;
  font-size: 22px;
  line-height: 1.25;
  color: var(--ink-3);
  position: relative;
  padding-left: 24px;
}
.obj-quote::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 3px; height: calc(100% - 16px);
  background: var(--orange);
}
.obj-row h3 {
  font-size: 28px;
  line-height: 1.15;
  margin-bottom: 14px;
  color: var(--navy);
}
.obj-row p { font-size: 16px; line-height: 1.55; color: var(--ink-2); }

/* ---------- By the numbers (big) ---------- */
.numbers {
  background: var(--navy);
  color: var(--white);
  padding: 96px 0;
  position: relative;
  overflow: hidden;
}
.numbers::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 30% 70%, rgba(208,253,122,0.04), transparent 50%),
    radial-gradient(circle at 70% 30%, rgba(255,51,0,0.06), transparent 50%);
  pointer-events: none;
}
.numbers .container { position: relative; z-index: 1; }
.numbers .overline { color: var(--lime); margin-bottom: 18px; }
.numbers h2 {
  color: var(--white);
  margin-bottom: 64px;
  max-width: 800px;
  font-size: clamp(36px, 4vw, 56px);
}
.numbers h2 em { color: var(--inv-ink-2); }

.bignum-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  border-top: 1px solid var(--inv-rule);
}
.bignum {
  padding: 36px 32px;
  border-right: 1px solid var(--inv-rule);
}
.bignum:first-child { padding-left: 0; }
.bignum:last-child { padding-right: 0; border-right: 0; }
.bignum:last-child { border-right: 0; }
.bignum:first-child { padding-left: 0; }
.bignum .v {
  font-family: var(--display);
  font-size: clamp(48px, 5vw, 80px);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 22px;
  color: var(--white);
  display: flex;
  align-items: baseline;
  gap: 4px;
}
.bignum .v .unit { color: var(--orange); font-style: italic; font-size: 0.55em; margin-left: 2px; }
.bignum .l { font-size: 13px; color: var(--inv-ink-2); line-height: 1.4; }

.numbers-cta {
  margin-top: 64px;
  padding: 32px 0 0;
  border-top: 1px solid var(--inv-rule);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.numbers-cta .left h3 {
  font-family: var(--display);
  color: var(--white);
  font-size: 28px;
  margin-bottom: 4px;
}
.numbers-cta .left p { color: var(--inv-ink-2); font-size: 14.5px; }
.numbers-cta .right { display: flex; gap: 12px; }

/* ---------- Agility advantage ---------- */
.agility .lead { max-width: 720px; margin-bottom: 60px; }
.agility-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.agility-step {
  padding: 48px 36px;
  border-right: 1px solid var(--rule);
  position: relative;
}
.agility-step:last-child { border-right: 0; }
.agility-step:first-child { padding-left: 0; }
.agility-step:last-child { padding-right: 0; }
.agility-step .num {
  font-family: var(--display);
  font-size: 64px;
  line-height: 1;
  letter-spacing: -0.03em;
  color: var(--orange);
  margin-bottom: 28px;
  display: block;
  font-style: italic;
}
.agility-step h3 {
  font-size: 26px;
  line-height: 1.15;
  margin-bottom: 14px;
  color: var(--navy);
}
.agility-step p { font-size: 15.5px; line-height: 1.55; color: var(--ink-2); }

/* ---------- Mortgage solutions ---------- */
.solutions {
  background: var(--paper-warm);
}
.solutions .intro { max-width: 820px; margin-bottom: 60px; }
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.sol-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: 26px 22px;
  display: flex;
  flex-direction: column;
  min-height: 260px;
  overflow: hidden;
  isolation: isolate;
  transition:
    transform 0.4s var(--ease),
    border-color 0.3s var(--ease),
    box-shadow 0.4s var(--ease);
}
/* Diagonal sweep from top-right */
.sol-card::before {
  content: "";
  position: absolute;
  top: -60%;
  right: -60%;
  width: 140%;
  height: 140%;
  background:
    radial-gradient(circle at top right, rgba(255,51,0,0.10), transparent 55%);
  opacity: 0;
  transition: opacity 0.45s var(--ease), transform 0.55s var(--ease);
  transform: scale(0.6) rotate(-8deg);
  transform-origin: top right;
  z-index: 0;
  pointer-events: none;
}
/* Bottom accent rail */
.sol-card::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 3px;
  background: var(--orange);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.45s var(--ease);
  z-index: 2;
}
.sol-card > * { position: relative; z-index: 1; }

.sol-card:hover {
  border-color: var(--navy);
  box-shadow:
    0 24px 50px -22px rgba(9,22,56,0.25),
    0 4px 10px -4px rgba(9,22,56,0.06);
  transform: translateY(-6px);
}
.sol-card:hover::before {
  opacity: 1;
  transform: scale(1) rotate(0deg);
}
.sol-card:hover::after { transform: scaleX(1); }
.sol-card:hover h3 { color: var(--navy); transform: translateX(2px); }
.sol-card:hover .sol-meta .chip { background: var(--paper-2); }
.sol-card:hover .sol-meta .chip.accent { background: var(--orange); color: var(--white); border-color: var(--orange); }
.sol-card:hover .sol-link { color: var(--orange); }
.sol-card:hover .sol-link .arrow { transform: translateX(8px); }
.sol-card:hover .sol-link::after { width: 100%; }
.sol-card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  color: var(--navy);
  line-height: 1.15;
  transition: transform 0.4s var(--ease), color 0.3s var(--ease);
}
.sol-card p {
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-2);
  flex: 1;
  margin-bottom: 18px;
}
.sol-meta .chip {
  transition: background 0.3s var(--ease), color 0.3s var(--ease), border-color 0.3s var(--ease), transform 0.3s var(--ease);
}
.sol-meta {
  display: flex;
  gap: 6px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.sol-meta .chip {
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 5px 9px;
  border-radius: 99px;
  border: 1px solid var(--rule);
  color: var(--ink-2);
  background: var(--paper-warm);
  white-space: nowrap;
  line-height: 1;
  font-weight: 600;
}
.sol-meta .chip.accent { color: var(--orange); border-color: var(--orange); }
.sol-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--navy);
  border-top: 1px solid var(--rule);
  padding-top: 18px;
  transition: color 0.3s var(--ease);
}
.sol-link::after {
  content: "";
  position: absolute;
  bottom: -1px;
  left: 0;
  height: 1px;
  width: 0;
  background: var(--orange);
  transition: width 0.4s var(--ease);
}
.sol-link .arrow {
  display: inline-block;
  transition: transform 0.4s var(--ease);
}
.sol-link:hover { color: var(--orange); }

.sol-card.writein {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.sol-card.writein::before {
  background: radial-gradient(circle at top right, rgba(208,253,122,0.18), transparent 55%);
}
.sol-card.writein::after { background: var(--lime); }
.sol-card.writein h3 { color: var(--white); }
.sol-card.writein p { color: var(--inv-ink); }
.sol-card.writein .chip { border-color: var(--inv-rule); color: var(--lime); background: transparent; }
.sol-card.writein .sol-link { color: var(--lime); border-color: var(--inv-rule); }
.sol-card.writein .sol-link::after { background: var(--lime); }
.sol-card.writein:hover { border-color: var(--lime); }
.sol-card.writein:hover h3 { color: var(--lime); }
.sol-card.writein:hover .sol-link { color: var(--white); }
.sol-card.writein:hover .sol-meta .chip { background: rgba(208,253,122,0.1); }
.sol-card.writein:hover .sol-meta .chip.accent { background: var(--lime); color: var(--navy); border-color: var(--lime); }

/* ---------- Full Reviews carousel ---------- */
.reviews-section {
  position: relative;
  background: var(--navy);
  color: var(--white);
  padding: 96px 0 88px;
  overflow: hidden;
}
.reviews-bg {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 12% 18%, rgba(208,253,122,0.07), transparent 38%),
    radial-gradient(circle at 88% 80%, rgba(255,51,0,0.09), transparent 42%),
    repeating-linear-gradient(0deg, transparent 0 80px, rgba(255,255,255,0.018) 80px 81px),
    repeating-linear-gradient(90deg, transparent 0 80px, rgba(255,255,255,0.018) 80px 81px);
  pointer-events: none;
}
.reviews-section .container { position: relative; z-index: 1; }

.reviews-head {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 56px;
  align-items: end;
  margin-bottom: 56px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--inv-rule);
}
.reviews-head h2 { font-size: clamp(32px, 3.6vw, 52px); }
.reviews-head h2 em { color: var(--lime); }

.reviews-summary {
  display: flex;
  align-items: center;
  gap: 32px;
  justify-self: end;
}
.reviews-rating {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
}
.rating-stars {
  color: var(--lime);
  font-size: 18px;
  letter-spacing: 0.15em;
  text-shadow: 0 0 12px rgba(208,253,122,0.4);
}
.rating-score {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  color: var(--white);
}
.rating-num {
  font-family: var(--sans);
  font-weight: 800;
  font-size: 48px;
  letter-spacing: -0.025em;
  line-height: 1;
}
.rating-of {
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 22px;
  color: var(--inv-ink-2);
}
.rating-meta { font-size: 12.5px; color: var(--inv-ink-2); }
.rating-meta strong { color: var(--white); font-weight: 600; }

/* Stage: 3 visible review cards */
.reviews-stage {
  position: relative;
  display: grid;
  grid-template-columns: 56px 1fr 56px;
  gap: 18px;
  align-items: stretch;
  min-height: 360px;
}
.reviews-track {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 18px;
  min-height: 360px;
}

.review-card {
  position: relative;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-md);
  padding: 30px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
  transition:
    opacity 0.6s var(--ease),
    transform 0.6s var(--ease),
    border-color 0.6s var(--ease),
    background 0.6s var(--ease);
}
.review-card.entering {
  opacity: 0;
  transform: translateY(18px);
}
.review-card.featured {
  background: linear-gradient(180deg, rgba(208,253,122,0.06) 0%, rgba(255,255,255,0.04) 100%);
  border-color: rgba(208,253,122,0.35);
}

.review-mark {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 72px;
  line-height: 0.6;
  color: var(--lime);
  opacity: 0.18;
  pointer-events: none;
}
.review-stars {
  color: var(--lime);
  font-size: 13px;
  letter-spacing: 0.12em;
  position: relative;
  z-index: 1;
}
.review-card blockquote {
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 19px;
  line-height: 1.45;
  color: rgba(255,255,255,0.95);
  margin: 0;
  letter-spacing: -0.005em;
  font-weight: 400;
  position: relative;
  z-index: 1;
}
.review-card.featured blockquote { color: var(--white); font-size: 21px; }
.review-stats {
  display: flex;
  gap: 18px;
  margin-top: auto;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,0.12);
  flex-wrap: wrap;
}
.review-stat {
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--inv-ink-2);
  line-height: 1.3;
}
.review-stat strong {
  display: block;
  font-family: var(--sans);
  font-weight: 700;
  font-size: 16px;
  color: var(--white);
  margin-top: 4px;
  letter-spacing: -0.01em;
  text-transform: none;
  font-variant-numeric: tabular-nums;
}
.review-attrib {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13px;
  color: var(--inv-ink-2);
}
.review-avatar {
  width: 36px; height: 36px;
  background: var(--lime);
  color: var(--navy);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: -0.005em;
  flex-shrink: 0;
}
.review-attrib strong { color: var(--white); font-weight: 600; }
.review-attrib .verified {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: var(--lime);
  font-size: 11px;
  letter-spacing: 0.04em;
}

.reviews-arrow {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.14);
  color: var(--white);
  border-radius: 50%;
  width: 56px;
  height: 56px;
  cursor: pointer;
  align-self: center;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--dur-base) var(--ease);
}
.reviews-arrow:hover {
  background: var(--lime);
  color: var(--navy);
  border-color: var(--lime);
  transform: scale(1.08);
}

.reviews-foot {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 32px;
  align-items: center;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid var(--inv-rule);
}
.reviews-dots {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.reviews-dots button {
  width: 22px;
  height: 4px;
  background: rgba(255,255,255,0.14);
  border-radius: 99px;
  cursor: pointer;
  transition: all var(--dur-base) var(--ease);
}
.reviews-dots button:hover { background: rgba(255,255,255,0.3); }
.reviews-dots button.active { background: var(--lime); width: 32px; }

.reviews-progress {
  width: 180px;
  height: 2px;
  background: rgba(255,255,255,0.1);
  border-radius: 99px;
  overflow: hidden;
}
.reviews-progress-fill {
  height: 100%;
  width: 0;
  background: var(--orange);
  transition: width 7s linear;
}
.reviews-progress-fill.reset { transition: none; width: 0; }

.reviews-counter {
  font-family: var(--mono);
  font-size: 13px;
  color: var(--inv-ink-2);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.06em;
}
.reviews-counter #reviews-counter { color: var(--lime); font-weight: 500; }
.reviews-counter-sep { margin: 0 6px; color: rgba(255,255,255,0.3); }

@media (max-width: 1100px) {
  .reviews-head { grid-template-columns: 1fr; gap: 28px; }
  .reviews-summary { justify-self: flex-start; flex-wrap: wrap; }
  .reviews-track { grid-template-columns: 1fr; }
  .review-card:nth-child(n+2) { display: none; }
  .reviews-stage { grid-template-columns: 48px 1fr 48px; gap: 14px; min-height: auto; }
  .reviews-arrow { width: 48px; height: 48px; }
}
@media (max-width: 720px) {
  .reviews-foot { grid-template-columns: 1fr; gap: 16px; justify-items: start; }
  .reviews-progress { width: 100%; }
  .review-card blockquote { font-size: 16px; }
}
.testimonial-band {
  background: var(--paper);
  padding: 80px 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.testimonial-band.tb-lime {
  background: var(--navy);
  border-color: var(--navy);
}
.testimonial-band.tb-lime .tb-left blockquote { color: var(--white); }
.testimonial-band.tb-lime .tb-left .stars { color: var(--lime); }
.testimonial-band.tb-lime .tb-left .attrib { color: rgba(255,255,255,0.65); }
.testimonial-band.tb-lime .tb-left strong { color: var(--white); }
.testimonial-band.tb-lime .tb-right .serif { color: rgba(255,255,255,0.55); }
.testimonial-band .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.tb-left .stars { color: var(--orange); letter-spacing: 0.12em; margin-bottom: 18px; font-size: 14px; }
.tb-left blockquote {
  font-family: var(--display);
  font-size: 28px;
  line-height: 1.25;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin: 0 0 18px;
  font-style: italic;
}
.tb-left .attrib { font-size: 13.5px; color: var(--ink-3); }
.tb-left strong { color: var(--navy); font-weight: 600; font-style: normal; font-family: var(--sans); }
.tb-right { display: flex; gap: 14px; justify-content: flex-end; align-items: center; }

/* ---------- Real deals ---------- */
.real-deals .intro { max-width: 760px; margin-bottom: 60px; }
.deals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.deal-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: 32px;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  isolation: isolate;
  transition:
    transform var(--dur-slow) var(--ease),
    box-shadow var(--dur-slow) var(--ease),
    border-color var(--dur-slow) var(--ease);
  cursor: pointer;
  animation: deal-rise 0.7s var(--ease) backwards;
}
.deals-grid .deal-card:nth-child(1) { animation-delay: 0.0s; }
.deals-grid .deal-card:nth-child(2) { animation-delay: 0.12s; }
.deals-grid .deal-card:nth-child(3) { animation-delay: 0.24s; }

@keyframes deal-rise {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Stamp glyph in upper-right */
.deal-card::before {
  content: "✓";
  position: absolute;
  top: -32px;
  right: -32px;
  width: 140px; height: 140px;
  border-radius: 50%;
  background: var(--lime);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 64px;
  font-weight: 400;
  line-height: 1;
  padding-top: 30px;
  padding-left: 30px;
  transform: scale(0) rotate(-20deg);
  transition: transform 0.6s cubic-bezier(.34,1.56,.64,1);
  z-index: 0;
  pointer-events: none;
  box-shadow: 0 8px 20px -4px rgba(208,253,122,0.5);
}

/* Animated gradient halo */
.deal-card::after {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, transparent 0%, transparent 40%, var(--orange) 60%, var(--navy) 100%);
  opacity: 0;
  transition: opacity var(--dur-slow) var(--ease);
  z-index: -1;
  pointer-events: none;
}

.deal-card:hover {
  transform: translateY(-8px);
  border-color: var(--navy);
  box-shadow:
    0 32px 64px -24px rgba(9,22,56,0.3),
    0 8px 16px -8px rgba(9,22,56,0.12);
}
.deal-card:hover::before {
  transform: scale(1) rotate(12deg);
}
.deal-card:hover::after {
  opacity: 0.06;
}
.deal-card:hover .product {
  letter-spacing: 0.18em;
  color: var(--orange);
}
.deal-card:hover .deal-stat .v {
  color: var(--orange);
}
.deal-card:hover h3 { color: var(--navy); }

.deal-card > * { position: relative; z-index: 1; }

.deal-card .product {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 700;
  margin-bottom: 18px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--rule);
  transition: letter-spacing var(--dur-base) var(--ease), color var(--dur-base) var(--ease);
  align-self: flex-start;
}
.deal-card .product::before {
  content: "";
  width: 6px; height: 6px;
  background: currentColor;
  border-radius: 50%;
  flex-shrink: 0;
}
.deal-card h3 {
  font-size: 22px;
  line-height: 1.2;
  margin-bottom: 18px;
  color: var(--navy);
  transition: color var(--dur-base) var(--ease);
}
.deal-card blockquote {
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 17px;
  line-height: 1.45;
  color: var(--ink-2);
  margin: 0 0 24px;
  padding-left: 18px;
  border-left: 2px solid var(--orange);
  font-weight: 400;
  letter-spacing: -0.005em;
  position: relative;
}
.deal-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-bottom: 20px;
  padding: 18px 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.deal-stat {
  padding: 0 14px;
  border-right: 1px solid var(--rule);
  transition: transform var(--dur-base) var(--ease);
}
.deal-stat:first-child { padding-left: 0; }
.deal-stat:last-child { padding-right: 0; border-right: 0; }
.deal-card:hover .deal-stat:nth-child(1) { transform: translateY(-2px); transition-delay: 0.05s; }
.deal-card:hover .deal-stat:nth-child(2) { transform: translateY(-2px); transition-delay: 0.1s; }
.deal-card:hover .deal-stat:nth-child(3) { transform: translateY(-2px); transition-delay: 0.15s; }

.deal-stat .v {
  font-family: var(--sans);
  font-weight: 800;
  font-size: 24px;
  letter-spacing: -0.025em;
  color: var(--navy);
  display: block;
  line-height: 1.05;
  margin-bottom: 4px;
  font-variant-numeric: tabular-nums;
  transition: color var(--dur-base) var(--ease);
}
.deal-stat .l {
  font-size: 10.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.deal-attrib {
  font-size: 12.5px;
  color: var(--ink-3);
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: 8px;
}
.deal-attrib::before {
  content: "";
  width: 24px;
  height: 24px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 600;
  flex-shrink: 0;
}
.deal-attrib strong { color: var(--navy); font-weight: 700; }

/* ---------- Calculators ---------- */
.calculators {
  background: var(--paper-warm);
}
.calculators .intro { max-width: 820px; margin-bottom: 48px; }

/* ============ Unified Calculator (calc-app) ============ */
.calc-app {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: 0 24px 60px -28px rgba(9,22,56,0.18);
}

/* Tab strip */
.calc-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  background: var(--paper-2);
  border-bottom: 1px solid var(--rule);
}
.calc-tab {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 22px 24px;
  background: transparent;
  border: 0;
  border-right: 1px solid var(--rule);
  border-bottom: 3px solid transparent;
  cursor: pointer;
  text-align: left;
  transition: background 0.25s var(--ease), border-color 0.25s var(--ease);
  position: relative;
  isolation: isolate;
}
.calc-tab:last-child { border-right: 0; }
.calc-tab:hover { background: rgba(255,255,255,0.6); }
.calc-tab.active {
  background: var(--white);
  border-bottom-color: var(--orange);
}
.calc-tab-mark {
  width: 46px; height: 46px;
  background: var(--paper-2);
  color: var(--ink-3);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 24px;
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  transition: all 0.25s var(--ease);
}
.calc-tab.active .calc-tab-mark {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
  box-shadow: 0 6px 14px -4px rgba(255,51,0,0.4);
}
.calc-tab-body { display: flex; flex-direction: column; gap: 2px; line-height: 1.2; }
.calc-tab-eyebrow {
  font-size: 10.5px; font-weight: 600; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--ink-3);
}
.calc-tab-title {
  font-size: 15px; font-weight: 600; color: var(--navy);
  letter-spacing: -0.005em;
}
.calc-tab.active .calc-tab-eyebrow { color: var(--orange); }

/* Body grid */
.calc-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  min-height: 600px;
}
.calc-inputs {
  padding: 32px 36px;
  border-right: 1px solid var(--rule);
  background: var(--white);
}
.calc-results {
  padding: 32px 36px;
  background: var(--navy);
  color: var(--white);
}

/* Heads (stamps) */
.calc-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--rule);
}
.calc-head.dark { border-bottom-color: rgba(255,255,255,0.14); color: var(--white); }
.calc-stamp {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 500;
  background: rgba(255,51,0,0.08);
  border: 1px solid rgba(255,51,0,0.2);
  border-radius: 99px;
  padding: 5px 10px;
  line-height: 1;
}
.calc-head h3 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 20px;
  letter-spacing: -0.015em;
  color: var(--navy);
  line-height: 1.2;
  margin: 0;
}
.calc-head.dark h3 { color: var(--white); }

/* Inputs */
.cinput {
  margin-bottom: 18px;
  transition: opacity 0.2s var(--ease);
}
.cinput.hidden { display: none; }
.cinput-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  font-size: 13px;
  color: var(--ink-2);
  font-weight: 600;
  margin-bottom: 9px;
}
.cinput-label > span:first-child {
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
  flex: 1;
}
.cinput-factor {
  font-family: var(--mono);
  font-size: 10.5px;
  color: var(--ink-3);
  font-weight: 500;
  letter-spacing: 0.04em;
  background: var(--paper-2);
  padding: 2px 7px;
  border-radius: 99px;
  margin-left: 8px;
}
.cinput-val {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 17px;
  color: var(--orange);
  letter-spacing: -0.01em;
  font-variant-numeric: tabular-nums;
  text-transform: none;
  white-space: nowrap;
}
.cinput-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 99px;
  background: var(--rule);
  outline: 0;
  margin: 4px 0 0;
  cursor: pointer;
}
.cinput-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(9,22,56,0.25);
  transition: transform 0.12s var(--ease);
}
.cinput-range::-webkit-slider-thumb:hover { transform: scale(1.15); }
.cinput-range::-moz-range-thumb {
  width: 20px; height: 20px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: grab;
}
.cinput-select {
  font: inherit;
  font-size: 14px;
  color: var(--navy);
  padding: 10px 12px;
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  background: var(--white);
  width: 100%;
  cursor: pointer;
  font-weight: 500;
}
.cinput-select:focus { outline: 0; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(9,22,56,0.08); }
.cinput-toggle {
  display: flex;
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  overflow: hidden;
  background: var(--paper-2);
}
.cinput-toggle button {
  flex: 1;
  padding: 9px 8px;
  border: 0;
  background: transparent;
  font-size: 12.5px;
  font-weight: 500;
  color: var(--ink-2);
  cursor: pointer;
  border-right: 1px solid var(--rule);
  transition: all 0.18s var(--ease);
  line-height: 1.2;
  letter-spacing: 0.005em;
  white-space: nowrap;
}
.cinput-toggle button:last-child { border-right: 0; }
.cinput-toggle button:hover { background: var(--white); color: var(--navy); }
.cinput-toggle button.active {
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
}
.cinput-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 18px;
}
.cinput-split .cinput { margin-bottom: 0; }

/* Live loan amount display */
.loan-amount-display {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 16px;
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--orange);
  border-radius: var(--r-sm);
  margin: 8px 0 18px;
}
.loan-amount-display .lbl {
  display: block;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-bottom: 3px;
}
.loan-amount-display .ltv {
  font-size: 12px;
  color: var(--ink-2);
  font-variant-numeric: tabular-nums;
}
.loan-amount-display .val {
  font-family: var(--sans);
  font-weight: 800;
  font-size: 22px;
  color: var(--navy);
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}

/* Asset summary */
.assets-summary {
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  padding: 14px 16px;
  margin-bottom: 18px;
}
.assets-summary .as-row {
  display: flex;
  justify-content: space-between;
  padding: 5px 0;
  font-size: 13px;
  color: var(--ink-2);
}
.assets-summary .as-row .v { font-weight: 600; color: var(--navy); font-variant-numeric: tabular-nums; }
.assets-summary .as-row.total {
  margin-top: 6px;
  padding-top: 10px;
  border-top: 1px solid var(--rule);
  font-weight: 700;
}
.assets-summary .as-row.total span { color: var(--navy); }
.assets-summary .as-row.total .v { color: var(--orange); font-size: 15px; }

/* Output (results column) */
.out-pri {
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.out-pri:last-child, .out-pri.reserves { border-bottom: 0; }
.out-pri.reserves {
  margin-top: 6px;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,0.14);
  padding-bottom: 0;
}
.out-l {
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--lime);
  font-weight: 600;
  margin-bottom: 8px;
}
.out-v {
  font-family: var(--sans);
  font-weight: 800;
  font-size: clamp(34px, 3.6vw, 48px);
  letter-spacing: -0.025em;
  color: var(--white);
  line-height: 1;
  font-variant-numeric: tabular-nums;
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
}
.out-v.out-v-sm { font-size: clamp(24px, 2.8vw, 32px); }
.out-v.out-v-lime { color: var(--lime); }
.out-v .pre { font-size: 0.7em; color: var(--inv-ink-2); margin-right: 2px; font-weight: 500; }
.out-v .out-tier {
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--navy);
  background: var(--lime);
  padding: 4px 9px;
  border-radius: 4px;
  margin-left: 8px;
  text-transform: uppercase;
  align-self: center;
}
.out-sub {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  margin-top: 8px;
  letter-spacing: 0.005em;
  line-height: 1.4;
}

/* Scenario fit */
.scenario-fit {
  background: rgba(208,253,122,0.06);
  border: 1px solid rgba(208,253,122,0.2);
  border-radius: var(--r-sm);
  padding: 14px 16px;
  margin-bottom: 18px;
}
.scenario-fit[data-fit="warn"] {
  background: rgba(255,51,0,0.06);
  border-color: rgba(255,51,0,0.25);
}
.sf-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 6px;
  gap: 10px;
}
.sf-lbl {
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
}
.sf-chip {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 4px 10px;
  border-radius: 99px;
  background: var(--lime);
  color: var(--navy);
  line-height: 1;
  white-space: nowrap;
}
.scenario-fit[data-fit="warn"] .sf-chip { background: var(--orange); color: var(--white); }
.sf-detail {
  font-size: 13px;
  line-height: 1.5;
  color: rgba(255,255,255,0.85);
}

/* Badge tier */
.badge-tier {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 600;
  padding: 7px 12px;
  border-radius: 99px;
  background: var(--lime);
  color: var(--navy);
  margin-bottom: 10px;
}
.badge-tier.t-warn { background: var(--orange); color: var(--white); }
.badge-tier.t-watch { background: rgba(255,255,255,0.1); color: var(--white); }
.badge-tier .dot {
  width: 6px; height: 6px;
  background: currentColor;
  border-radius: 50%;
  animation: bankerPulse 2.2s var(--ease) infinite;
}
.tier-msg {
  font-size: 13.5px;
  line-height: 1.5;
  color: rgba(255,255,255,0.85);
  margin: 0 0 18px;
}
.tier-msg strong { color: var(--white); font-weight: 600; }

/* Working details */
.calc-working {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--r-sm);
  margin-bottom: 16px;
}
.calc-working summary {
  padding: 11px 16px;
  cursor: pointer;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--lime);
  letter-spacing: 0.04em;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  user-select: none;
}
.calc-working summary::-webkit-details-marker { display: none; }
.calc-working summary::after {
  content: "+";
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 18px;
  color: var(--lime);
  transition: transform 0.25s var(--ease);
}
.calc-working[open] summary::after { transform: rotate(45deg); }
.w-body {
  padding: 4px 16px 12px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 12.5px;
}
.w-line {
  display: flex;
  justify-content: space-between;
  padding: 5px 0;
  color: rgba(255,255,255,0.7);
}
.w-line span:last-child { color: var(--white); font-weight: 500; font-variant-numeric: tabular-nums; }
.w-line strong { color: var(--lime); font-weight: 700; }
.w-line.w-foot {
  margin-top: 6px;
  padding-top: 8px;
  border-top: 1px dashed rgba(255,255,255,0.14);
  font-size: 11px;
  opacity: 0.78;
}

/* CTA + disclaimer */
.calc-cta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin: 18px 0 14px;
}
.calc-disc {
  font-size: 10.5px;
  line-height: 1.5;
  color: rgba(255,255,255,0.5);
  margin: 0;
}
.calc-disc strong { color: var(--lime); font-weight: 500; }

@media (max-width: 1100px) {
  .calc-tabs { grid-template-columns: 1fr 1fr; }
  .calc-tab { border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
  .calc-tab:nth-child(2n) { border-right: 0; }
  .calc-body { grid-template-columns: 1fr; }
  .calc-inputs { border-right: 0; border-bottom: 1px solid var(--rule); }
}
@media (max-width: 720px) {
  .calc-tabs { grid-template-columns: 1fr; }
  .calc-tab { border-right: 0; }
  .calc-inputs, .calc-results { padding: 24px 20px; }
  .cinput-split { grid-template-columns: 1fr; }
}

/* Tab strip */
.calc-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  background: var(--paper-2);
  border-bottom: 1px solid var(--rule);
}
.calc-tab {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 22px 24px;
  background: transparent;
  border: 0;
  border-right: 1px solid var(--rule);
  border-bottom: 3px solid transparent;
  cursor: pointer;
  text-align: left;
  transition:
    background 0.25s var(--ease),
    border-color 0.25s var(--ease),
    transform 0.18s var(--ease);
  position: relative;
  isolation: isolate;
}
.calc-tab:last-child { border-right: 0; }
.calc-tab:hover { background: rgba(255,255,255,0.6); }
.calc-tab.active {
  background: var(--white);
  border-bottom-color: var(--orange);
}
.calc-tab.active::before {
  content: "";
  position: absolute;
  inset: 0 0 -1px 0;
  background: linear-gradient(180deg, rgba(255,51,0,0.04), transparent 60%);
  pointer-events: none;
  z-index: -1;
}
.calc-tab-mark {
  width: 46px; height: 46px;
  background: var(--paper-2);
  color: var(--ink-3);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 24px;
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  transition: all 0.25s var(--ease);
}
.calc-tab.active .calc-tab-mark {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
  box-shadow: 0 6px 14px -4px rgba(255,51,0,0.4);
}
.calc-tab-body { display: flex; flex-direction: column; gap: 2px; line-height: 1.2; }
.calc-tab-eyebrow {
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.calc-tab-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.005em;
}
.calc-tab.active .calc-tab-eyebrow { color: var(--orange); }

/* Body grid */
.calc-body {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 0;
}

/* ---------- legacy calc-card styles (kept for prior tile references, no longer used) ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.calc-card {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: 36px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: start;
  transition: all var(--dur-base) var(--ease);
  cursor: pointer;
}
.calc-card:hover {
  border-color: var(--navy);
  box-shadow: 0 16px 36px -18px rgba(9,22,56,0.18);
}
.calc-icon {
  width: 64px; height: 64px;
  background: var(--navy);
  color: var(--lime);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--display);
  font-style: italic;
  font-size: 32px;
  line-height: 1;
}
.calc-card.accent .calc-icon { background: var(--orange); color: var(--white); }
.calc-overline {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 500;
  margin-bottom: 8px;
  display: block;
}
.calc-card h3 {
  font-size: 22px;
  line-height: 1.15;
  margin-bottom: 12px;
  color: var(--navy);
}
.calc-card p { font-size: 14px; line-height: 1.5; color: var(--ink-2); margin-bottom: 14px; }
.calc-example {
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-2);
  padding: 10px 12px;
  background: var(--paper-warm);
  border-radius: var(--r-xs);
  margin-bottom: 16px;
  border-left: 2px solid var(--lime);
}
.calc-example strong { color: var(--navy); }
.calc-example em { color: var(--orange); font-style: normal; font-weight: 500; }
.calc-link {
  font-size: 13.5px;
  color: var(--navy);
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.calc-link:hover { color: var(--orange); }

/* ---------- Non-QM explainer ---------- */
.nonqm .intro { max-width: 820px; margin-bottom: 60px; }
.nonqm-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
  margin-bottom: 60px;
}
.nonqm-item {
  padding: 36px 28px;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.nonqm-item:nth-child(3n) { border-right: 0; }
.nonqm-item:first-child { padding-left: 0; }
.nonqm-item:nth-child(3n+1) { padding-left: 0; }
.nonqm-item:nth-child(3n) { padding-right: 0; }
.nonqm-item h3 {
  font-size: 22px;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 14px;
}
.nonqm-item p { font-size: 14.5px; line-height: 1.55; color: var(--ink-2); }

.compare-table-wrap {
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  overflow: hidden;
  background: var(--white);
}
.compare-caption {
  font-family: var(--display);
  font-style: italic;
  font-size: 16px;
  color: var(--ink-3);
  padding: 22px 28px;
  border-bottom: 1px solid var(--rule);
  background: var(--paper-warm);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14.5px;
}
.compare-table th, .compare-table td {
  text-align: left;
  padding: 16px 24px;
  border-bottom: 1px solid var(--rule);
  vertical-align: top;
}
.compare-table tr:last-child td { border-bottom: 0; }
.compare-table th {
  font-weight: 500;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  background: var(--paper-warm);
}
.compare-table th.mbanc-col, .compare-table td.mbanc-col {
  background: rgba(255,51,0,0.04);
  color: var(--navy);
}
.compare-table td.mbanc-col strong { color: var(--orange); }
.compare-table .row-label { font-weight: 500; color: var(--navy); width: 200px; }
.compare-table .conv { color: var(--ink-3); }

/* ---------- FAQ ---------- */
.faq .intro { max-width: 720px; margin-bottom: 48px; }
.faq-list {
  border-top: 1px solid var(--rule);
}
.faq-item {
  border-bottom: 1px solid var(--rule);
}
.faq-q {
  display: flex;
  gap: 28px;
  align-items: baseline;
  width: 100%;
  text-align: left;
  padding: 28px 0;
  cursor: pointer;
  font-family: var(--display);
  font-size: 24px;
  letter-spacing: -0.01em;
  color: var(--navy);
  line-height: 1.2;
  transition: color var(--dur-base) var(--ease);
}
.faq-q:hover { color: var(--orange); }
.faq-q .num {
  font-family: var(--mono);
  font-size: 12px;
  color: var(--orange);
  letter-spacing: 0.08em;
  flex-shrink: 0;
  width: 36px;
  font-style: normal;
}
.faq-q .text { flex: 1; }
.faq-q .toggle {
  flex-shrink: 0;
  width: 32px; height: 32px;
  border: 1px solid var(--rule);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  transition: all var(--dur-base) var(--ease);
  font-style: normal;
}
.faq-q .toggle::before, .faq-q .toggle::after {
  content: "";
  position: absolute;
  background: var(--navy);
  transition: transform var(--dur-base) var(--ease);
}
.faq-q .toggle::before { width: 11px; height: 1px; }
.faq-q .toggle::after { width: 1px; height: 11px; }
.faq-item.open .faq-q .toggle { background: var(--navy); border-color: var(--navy); }
.faq-item.open .faq-q .toggle::before, .faq-item.open .faq-q .toggle::after { background: var(--white); }
.faq-item.open .faq-q .toggle::after { transform: scaleY(0); }

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--dur-slow) var(--ease);
}
.faq-a-inner {
  padding: 0 0 32px 64px;
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink-2);
  max-width: 820px;
}
.faq-item.open .faq-a { max-height: 400px; }

/* ---------- Blog ---------- */
.blog {
  background: var(--paper-warm);
}
.blog-head {
  display: flex;
  justify-content: space-between;
  align-items: end;
  margin-bottom: 48px;
  gap: 40px;
  flex-wrap: wrap;
}
.blog-head .intro { max-width: 720px; }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.blog-card {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: all var(--dur-base) var(--ease);
}
.blog-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 40px -20px rgba(9,22,56,0.18);
}
.blog-cover {
  aspect-ratio: 16/10;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.blog-cover.c1 { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); }
.blog-cover.c2 { background: linear-gradient(135deg, #0F1F4D 0%, var(--navy) 100%); }
.blog-cover.c3 { background: linear-gradient(135deg, var(--navy-2) 0%, var(--navy) 100%); }
.blog-cover::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    repeating-linear-gradient(45deg, transparent 0 12px, rgba(255,255,255,0.04) 12px 13px);
}
.blog-cover .glyph {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--display);
  font-style: italic;
  font-size: 120px;
  color: rgba(255,255,255,0.1);
  letter-spacing: -0.04em;
}
.blog-cover .label {
  position: absolute;
  top: 18px; left: 22px;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--lime);
  background: rgba(9,22,56,0.5);
  padding: 6px 10px;
  border-radius: 99px;
  backdrop-filter: blur(8px);
}
.blog-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }
.blog-meta {
  font-size: 11.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 14px;
  display: flex;
  gap: 12px;
}
.blog-meta .cat { color: var(--orange); }
.blog-card h3 {
  font-size: 22px;
  line-height: 1.2;
  margin-bottom: 14px;
  color: var(--navy);
}
.blog-card p { font-size: 14px; line-height: 1.55; color: var(--ink-2); flex: 1; margin-bottom: 18px; }
.blog-card .read {
  font-size: 13.5px;
  color: var(--navy);
  font-weight: 500;
  display: inline-flex;
  gap: 4px;
}
.blog-card:hover .read { color: var(--orange); }

/* ---------- Promises ---------- */
.promises {
  background: var(--navy);
  color: var(--white);
}
.promises .overline { color: var(--lime); }
.promises h2 {
  color: var(--white);
  margin-bottom: 18px;
  font-size: clamp(36px, 4vw, 56px);
}
.promises h2 em { color: var(--inv-ink-2); }
.promises .lead { color: var(--inv-ink); max-width: 800px; margin-bottom: 60px; }
.promises-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--inv-rule);
  border-bottom: 1px solid var(--inv-rule);
}
.promise {
  padding: 56px 36px;
  border-right: 1px solid var(--inv-rule);
}
.promise:last-child { border-right: 0; }
.promise:first-child { padding-left: 0; }
.promise:last-child { padding-right: 0; }
.promise .symbol {
  font-family: var(--display);
  font-size: 96px;
  line-height: 1;
  letter-spacing: -0.04em;
  color: var(--orange);
  font-style: italic;
  margin-bottom: 28px;
  display: block;
}
.promise h3 {
  color: var(--white);
  font-size: 26px;
  margin-bottom: 18px;
  line-height: 1.15;
}
.promise p { font-size: 15px; line-height: 1.55; color: var(--inv-ink); margin-bottom: 18px; }
.promise p strong { color: var(--lime); font-weight: 500; }
.promise .pip {
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--inv-ink-2);
  padding-top: 18px;
  border-top: 1px solid var(--inv-rule);
  display: block;
}

/* ---------- US States map (d3) ---------- */
.map-svg {
  position: relative;
  overflow: hidden;
}
.map-svg svg { width: 100%; height: 100%; display: block; }
.map-svg .state {
  transition: filter 0.18s ease, opacity 0.18s ease;
}

.map-tooltip {
  position: absolute;
  top: 0; left: 0;
  background: var(--navy);
  color: var(--white);
  padding: 14px 18px;
  border-radius: var(--r-sm);
  box-shadow:
    0 18px 40px -12px rgba(9,22,56,0.5),
    0 4px 12px rgba(9,22,56,0.18);
  pointer-events: none;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 0.18s ease, transform 0.18s ease;
  min-width: 240px;
  max-width: 280px;
  z-index: 5;
  font-family: var(--sans);
}
.map-tooltip.visible { opacity: 1; transform: translateY(0); }
.map-tooltip .mt-status {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--lime);
  font-weight: 600;
  margin-bottom: 10px;
}
.map-tooltip .mt-dot {
  width: 8px; height: 8px;
  background: var(--orange);
  border-radius: 50%;
  display: inline-block;
}
.map-tooltip .mt-name {
  font-family: var(--accent-serif);
  font-weight: 400;
  font-size: 22px;
  letter-spacing: -0.005em;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 8px;
}
.map-tooltip .mt-meta {
  font-size: 12.5px;
  color: rgba(255,255,255,0.7);
  line-height: 1.4;
  margin-bottom: 10px;
}
.map-tooltip .mt-license {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.04em;
  color: var(--lime);
  padding-top: 10px;
  border-top: 1px solid rgba(255,255,255,0.14);
  font-variant-numeric: tabular-nums;
}
.states .intro { max-width: 800px; margin-bottom: 48px; }
.states .intro strong { color: var(--navy); font-weight: 600; }
.map-card {
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-radius: var(--r-lg);
  padding: 32px;
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  grid-template-rows: auto auto;
  gap: 24px 36px;
  align-items: start;
}
.map-card .map-svg { grid-column: 1; grid-row: 1; }
.map-card .map-legend { grid-column: 1; grid-row: 2; }
.map-card .map-stats { grid-column: 2; grid-row: 1 / span 2; }

@media (max-width: 1100px) {
  .map-card { grid-template-columns: 1fr; }
  .map-card .map-stats { grid-column: 1; grid-row: auto; }
}
.map-svg {
  width: 100%;
  aspect-ratio: 1.6 / 1;
  background: var(--white);
  border-radius: var(--r-md);
  border: 1px solid var(--rule);
  padding: 24px;
  position: relative;
}
.map-svg svg { width: 100%; height: 100%; display: block; }

.map-stats {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.map-stat {
  padding: 22px 0;
  border-bottom: 1px solid var(--rule);
}
.map-stat:last-child { border-bottom: 0; }
.map-stat .v {
  font-family: var(--display);
  font-size: 56px;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--navy);
  display: block;
  margin-bottom: 8px;
}
.map-stat .l { font-size: 13.5px; color: var(--ink-2); }
.map-stat .l strong { color: var(--navy); font-weight: 600; }

.map-legend {
  margin-top: 16px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  padding: 14px 18px;
  display: flex;
  flex-direction: column;
  gap: 0;
  box-shadow: 0 8px 24px -10px rgba(9,22,56,0.10);
}
.legend-row {
  display: grid;
  grid-template-columns: 24px 1fr auto;
  align-items: center;
  gap: 14px;
  padding: 8px 0;
  border-bottom: 1px solid var(--rule-soft);
}
.legend-row:last-child { border-bottom: 0; }
.legend-swatch {
  width: 18px; height: 18px;
  border-radius: 3px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  position: relative;
  flex-shrink: 0;
}
.swatch-full { background: var(--navy); }
.swatch-inv  { background: var(--orange); }
.swatch-inv .swatch-star {
  color: var(--lime);
  font-size: 11px;
  line-height: 1;
}
.swatch-none {
  background: transparent;
  border: 1px solid var(--rule);
}
.swatch-none::before {
  content: "";
  position: absolute;
  inset: 2px;
  background:
    repeating-linear-gradient(45deg, transparent 0 3px, rgba(9,22,56,0.25) 3px 4px);
  border-radius: 2px;
}
.legend-body {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 6px;
  font-size: 13.5px;
  line-height: 1.4;
  color: var(--ink-2);
}
.legend-body strong {
  color: var(--navy);
  font-weight: 700;
  font-size: 13.5px;
}
.legend-desc { color: var(--ink-3); }
.legend-count {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  color: var(--ink-3);
  font-variant-numeric: tabular-nums;
}

@media (max-width: 720px) {
  .map-legend {
    padding: 12px 14px;
  }
}

.states-foot { margin-top: 28px; font-size: 13px; color: var(--ink-3); }

/* ---------- Final CTA ---------- */
.final-cta {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
  text-align: center;
}
.final-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 50% 50%, rgba(255,51,0,0.08), transparent 60%);
}
.final-cta .container { position: relative; z-index: 1; }
.overline-centered {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--lime);
  justify-content: center;
}
.final-cta > .container > .overline-centered,
.final-cta .overline-centered { color: var(--lime); }
.final-cta h2 {
  color: var(--white);
  font-size: clamp(32px, 4.2vw, 64px);
  letter-spacing: -0.025em;
  line-height: 1.05;
  margin-bottom: 22px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}
.final-cta h2 .cta-line-1 { white-space: nowrap; }
.final-cta h2 em { color: var(--lime); font-style: italic; }
.final-cta .lead {
  color: var(--inv-ink);
  max-width: 560px;
  margin: 0 auto 36px;
  font-size: 16px;
}
.final-cta-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.final-cta-trust {
  display: flex;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  padding-top: 28px;
  border-top: 1px solid var(--inv-rule);
}
.final-cta-trust span {
  padding: 0 20px;
  font-size: 12px;
  color: var(--inv-ink-2);
  border-left: 1px solid var(--inv-rule);
}
.final-cta-trust span:first-child { border-left: 0; }
.final-cta-trust strong { color: var(--white); font-weight: 600; }

/* ---------- Footer ---------- */
footer {
  background: var(--black);
  color: var(--inv-ink);
  padding: 80px 0 32px;
  font-size: 14px;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  gap: 56px;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--inv-rule);
}
.footer-brand .footer-logo { margin-bottom: 22px; }
.footer-brand .footer-logo img { height: 112px; width: auto; display: block; }
.footer-brand p { font-size: 14px; line-height: 1.6; color: var(--inv-ink-2); margin-bottom: 24px; }
.footer-socials {
  display: flex; gap: 10px;
  margin-bottom: 28px;
}
.footer-socials a {
  width: 36px; height: 36px;
  border: 1px solid var(--inv-rule);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  color: var(--inv-ink);
  transition: all var(--dur-base) var(--ease);
}
.footer-socials a:hover { background: var(--orange); border-color: var(--orange); color: var(--white); }
.footer-contact { font-size: 13.5px; line-height: 1.7; color: var(--inv-ink-2); }
.footer-contact strong { color: var(--white); display: block; margin-top: 18px; margin-bottom: 4px; font-size: 11.5px; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 500; }
.footer-contact a:hover { color: var(--orange); }

footer h5 {
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--white);
  margin: 0 0 22px;
  font-weight: 500;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.footer-col a { color: var(--inv-ink-2); font-size: 14px; }
.footer-col a:hover { color: var(--lime); }

.footer-licensing {
  padding: 36px 0;
  border-bottom: 1px solid var(--inv-rule);
  font-size: 13px;
  color: var(--inv-ink-2);
}
.footer-licensing h5 { margin-bottom: 14px; }
.footer-licensing .license-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px 24px;
  margin-top: 18px;
}
.footer-licensing .license-grid a { color: var(--inv-ink-2); }
.footer-licensing .license-grid a:hover { color: var(--lime); }
.footer-licensing .license-grid strong { color: var(--white); font-weight: 500; }

.footer-bottom {
  padding-top: 28px;
  font-size: 11.5px;
  color: var(--inv-ink-2);
  line-height: 1.7;
}
.footer-bottom .row1 { display: flex; justify-content: space-between; gap: 24px; margin-bottom: 18px; }
.footer-bottom .disclaimer { max-width: 1000px; }

/* ---------- Floating widget: Talk to a Principal Banker (LEFT) ---------- */
.fab-banker {
  position: fixed;
  left: 24px;
  bottom: 24px;
  z-index: 40;
  background: var(--navy);
  color: var(--white);
  padding: 12px 22px 12px 12px;
  border-radius: 99px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  box-shadow:
    0 16px 40px -12px rgba(9,22,56,0.5),
    0 4px 10px rgba(9,22,56,0.2),
    inset 0 0 0 1px rgba(255,255,255,0.06);
  transition: transform var(--dur-base) var(--ease), box-shadow var(--dur-base) var(--ease);
  text-decoration: none;
  max-width: 360px;
}
.fab-banker:hover {
  transform: translateY(-3px);
  box-shadow:
    0 22px 50px -12px rgba(9,22,56,0.6),
    0 4px 10px rgba(9,22,56,0.2),
    inset 0 0 0 1px rgba(208,253,122,0.3);
}
.fab-banker-avatar {
  width: 36px; height: 36px;
  background: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
}
.fab-banker-avatar img {
  width: 28px;
  height: 28px;
  object-fit: contain;
  display: block;
}
.fab-banker-avatar::after {
  content: "";
  position: absolute;
  bottom: -1px;
  right: -1px;
  width: 10px; height: 10px;
  background: var(--lime);
  border: 2px solid var(--navy);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(208,253,122,0.6);
  animation: bankerPulse 2.2s var(--ease) infinite;
}
@keyframes bankerPulse {
  0% { box-shadow: 0 0 0 0 rgba(208,253,122,0.55); }
  70% { box-shadow: 0 0 0 8px rgba(208,253,122,0); }
}
.fab-banker-body {
  display: flex;
  flex-direction: column;
  gap: 4px;
  line-height: 1;
}
.fab-banker-meta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 9.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  color: var(--lime);
  text-transform: uppercase;
}
.fab-banker-meta .sep { color: rgba(208,253,122,0.45); }
.fab-banker-meta span:not(.fab-banker-dot):not(.sep) {
  color: var(--lime);
}
.fab-banker-meta .fab-banker-dot {
  display: none;
}
.fab-banker-title {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 14px;
  color: var(--white);
  letter-spacing: 0.005em;
}
@media (max-width: 720px) {
  .fab-banker { left: 12px; bottom: 12px; max-width: calc(100vw - 24px); }
  .fab-banker-title { font-size: 13.5px; }
  .fab-banker-meta { font-size: 9.5px; gap: 4px; }
}

/* ---------- Floating widget: Chat with Liora (RIGHT) ---------- */
.fab-chat {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 40;
  background: var(--white);
  color: var(--navy);
  padding: 12px 22px 12px 12px;
  border-radius: 99px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  box-shadow:
    0 16px 40px -12px rgba(9,22,56,0.25),
    0 4px 10px rgba(9,22,56,0.1),
    inset 0 0 0 1px var(--rule);
  transition: transform var(--dur-base) var(--ease), box-shadow var(--dur-base) var(--ease);
}
.fab-chat:hover {
  transform: translateY(-3px);
  box-shadow:
    0 22px 50px -12px rgba(9,22,56,0.35),
    0 4px 10px rgba(9,22,56,0.1),
    inset 0 0 0 1px var(--navy);
}
.fab-chat .badge {
  width: 36px; height: 36px;
  background: var(--navy);
  color: var(--lime);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 20px;
  line-height: 1;
  font-weight: 400;
  flex-shrink: 0;
}
.fab-chat .live-dot {
  width: 7px; height: 7px;
  background: #1F8A5B;
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(31,138,91,0.5);
  animation: leoraPulse 2.2s var(--ease) infinite;
  flex-shrink: 0;
}
.fab-chat strong { color: var(--navy); font-weight: 700; }
@keyframes leoraPulse {
  0% { box-shadow: 0 0 0 0 rgba(31,138,91,0.5); }
  70% { box-shadow: 0 0 0 6px rgba(31,138,91,0); }
}
@media (max-width: 720px) {
  .fab-chat { right: 12px; bottom: 72px; font-size: 13px; }
  .fab-chat .badge { width: 30px; height: 30px; font-size: 17px; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .hero .container { grid-template-columns: 1fr; gap: 48px; }
  .testimonial-grid, .founder-grid, .direct-bank-grid, .testimonial-band .container { grid-template-columns: 1fr; gap: 48px; }
  .nav ul { display: none; }
  .pillars-grid, .agility-grid, .solutions-grid, .deals-grid, .calc-grid, .blog-grid, .nonqm-grid, .persona-grid, .promises-grid { grid-template-columns: 1fr 1fr; }
  .bignum-grid, .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .bignum, .trust-item { border-right: 0; padding-right: 0; }
  .map-card { grid-template-columns: 1fr; }
  .footer-top, .footer-licensing .license-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .section { padding: 64px 0; }
  .container { padding: 0 20px; }
  .pillars-grid, .agility-grid, .solutions-grid, .deals-grid, .calc-grid, .blog-grid, .nonqm-grid, .persona-grid, .promises-grid, .bignum-grid, .trust-grid, .footer-top, .footer-licensing .license-grid { grid-template-columns: 1fr; }
  .pillar, .agility-step, .promise, .nonqm-item { border-right: 0; padding: 36px 0; border-bottom: 1px solid var(--rule); }
  .obj-row { grid-template-columns: 1fr; gap: 20px; }
  .compare-table th, .compare-table td { padding: 12px 14px; font-size: 13px; }
}

/* ============================================================
   Calculator page extension — styles for the standalone calc pages
   Loaded after styles.css on bank-statement / 1099 / dscr / asset-utilization
   ============================================================ */

/* ---------- Page hero ---------- */
/* Hide the unified calculator's intro on standalone calc pages — each page has its own hero */
.calc-page-hero ~ .calculators .intro,
section.calculators .intro:has(~ #calc-app[data-default-tab]) {
  display: none;
}
/* Tighter top padding when intro is hidden */
.calc-page-hero + .calculators { padding-top: 56px; }

.calc-page-hero {
  background: var(--paper-warm);
  padding: 48px 0 56px;
  border-bottom: 1px solid var(--rule);
  position: relative;
  overflow: hidden;
}
.calc-page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 12% 110%, rgba(255,51,0,0.06), transparent 60%),
    radial-gradient(ellipse 50% 55% at 95% -10%, rgba(9,22,56,0.06), transparent 60%);
  pointer-events: none;
}
.calc-page-hero .container { position: relative; z-index: 1; }

.breadcrumbs {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 22px;
  font-weight: 500;
}
.breadcrumbs a { color: var(--ink-3); }
.breadcrumbs a:hover { color: var(--orange); }
.breadcrumbs .sep { color: var(--ink-4); margin: 0 8px; }
.breadcrumbs .current { color: var(--navy); font-weight: 600; }

.page-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange);
  background: rgba(255,51,0,0.06);
  border: 1px solid rgba(255,51,0,0.18);
  padding: 6px 12px;
  border-radius: 99px;
  margin-bottom: 18px;
}
.page-eyebrow .dot {
  width: 5px; height: 5px;
  background: var(--orange);
  border-radius: 50%;
}

.calc-page-hero h1 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(36px, 4.4vw, 60px);
  letter-spacing: -0.025em;
  line-height: 1.05;
  color: var(--navy);
  margin-bottom: 22px;
  max-width: 1000px;
}
.calc-page-hero h1 .accent {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.calc-page-hero .page-lead {
  font-size: clamp(16px, 1.4vw, 19px);
  line-height: 1.5;
  color: var(--ink-2);
  max-width: 860px;
  margin-bottom: 26px;
}
.calc-page-hero .page-lead strong { color: var(--navy); font-weight: 600; }
.calc-page-hero .page-lead .mark {
  background: var(--lime);
  color: var(--navy);
  padding: 1px 6px;
  border-radius: 3px;
  font-weight: 500;
  box-decoration-break: clone;
  -webkit-box-decoration-break: clone;
}

/* Spec row */
.hero-spec-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0;
  padding-top: 20px;
  margin-top: 8px;
  border-top: 1px solid var(--rule);
}
.hero-spec {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 18px;
  font-family: var(--mono);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-2);
  border-left: 1px solid var(--rule);
}
.hero-spec::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--orange);
  flex-shrink: 0;
}
.hero-spec:first-child { padding-left: 0; border-left: 0; }

/* Calc switcher pill grid */
.calc-switcher {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
}
.cs-label {
  display: block;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-bottom: 12px;
}
.calc-switcher-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}
.calc-pill {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  text-decoration: none;
  color: inherit;
  transition: all 0.2s var(--ease);
}
.calc-pill:hover {
  border-color: var(--navy);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px -10px rgba(9,22,56,0.18);
}
.calc-pill.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.pill-mark {
  width: 32px; height: 32px;
  background: var(--paper-2);
  color: var(--ink-3);
  border-radius: var(--r-xs);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 18px;
  line-height: 1;
  flex-shrink: 0;
}
.calc-pill.active .pill-mark {
  background: var(--orange);
  color: var(--white);
}
.pill-body { display: flex; flex-direction: column; gap: 1px; line-height: 1.2; }
.pill-eyebrow {
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
}
.calc-pill.active .pill-eyebrow { color: var(--lime); }
.pill-name { font-size: 13.5px; font-weight: 600; }

@media (max-width: 900px) {
  .calc-switcher-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .calc-switcher-grid { grid-template-columns: 1fr; }
}

/* ---------- How the math works ---------- */
.how-math { background: var(--white); }
.hw-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.hw-card {
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: 32px;
  position: relative;
}
.hw-card .hw-num {
  display: inline-block;
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--orange);
  background: var(--white);
  border: 1px solid var(--rule);
  padding: 5px 10px;
  border-radius: 99px;
  margin-bottom: 18px;
}
.hw-card h3 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 22px;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 14px;
}
.hw-card h3 em {
  font-family: var(--mono);
  font-style: normal;
  font-size: 10.5px;
  color: var(--white);
  background: var(--orange);
  padding: 4px 9px;
  border-radius: 99px;
  font-weight: 700;
  letter-spacing: 0.08em;
  margin-left: 8px;
  text-transform: uppercase;
  vertical-align: middle;
}
.hw-card p {
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--ink-2);
  margin-bottom: 14px;
}
.hw-card p:last-child { margin-bottom: 0; }
.hw-card p strong { color: var(--navy); font-weight: 600; }
.hw-formula {
  font-family: var(--mono);
  font-size: 13px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--orange);
  padding: 14px 16px;
  border-radius: var(--r-xs);
  margin: 12px 0;
  color: var(--navy);
  line-height: 1.5;
}
.hw-formula em {
  font-style: normal;
  font-weight: 700;
  color: var(--orange);
}
.hw-card .tip {
  font-size: 13px;
  color: var(--ink-2);
  padding-top: 12px;
  border-top: 1px solid var(--rule);
  margin-top: 16px;
}
.hw-card .tip strong { color: var(--navy); }

/* ---------- Factor / tier tiles inside how-it-works cards ---------- */
.hw-card .asset-factors,
.hw-card .dscr-tiers {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 18px;
}
.hw-card .asset-factor,
.hw-card .dscr-tier {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  padding: 16px;
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.hw-card .asset-factor:hover,
.hw-card .dscr-tier:hover {
  transform: translateY(-2px);
  border-color: var(--orange);
  box-shadow: 0 12px 24px -12px rgba(255,51,0,0.18);
}
.hw-card .asset-factor .pct,
.hw-card .dscr-tier .range {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 32px;
  line-height: 1;
  color: var(--orange);
  letter-spacing: -0.01em;
  margin-bottom: 6px;
}
.hw-card .asset-factor .label,
.hw-card .dscr-tier .label {
  font-family: var(--mono);
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 8px;
}
.hw-card .asset-factor .desc,
.hw-card .dscr-tier .desc {
  font-size: 13px;
  line-height: 1.45;
  color: var(--ink-2);
}

@media (max-width: 540px) {
  .hw-card .asset-factors,
  .hw-card .dscr-tiers { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .hw-grid { grid-template-columns: 1fr; }
}

/* ---------- Audience tiles — flare + animation ---------- */
.audience-section { background: var(--paper-warm); position: relative; overflow: hidden; }
.audience-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 100% 0%, rgba(255,51,0,0.05), transparent 60%),
    radial-gradient(ellipse 50% 50% at 0% 100%, rgba(9,22,56,0.05), transparent 60%);
  pointer-events: none;
}
.audience-section .container { position: relative; z-index: 1; }

.aud-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.aud-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 24px 22px 22px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  text-decoration: none;
  color: inherit;
  min-height: 200px;
  overflow: hidden;
  isolation: isolate;
  transition:
    transform 0.45s var(--ease),
    box-shadow 0.45s var(--ease),
    border-color 0.35s var(--ease),
    background 0.35s var(--ease);
  animation: aud-rise 0.7s var(--ease) backwards;
}
.aud-grid .aud-card:nth-child(1) { animation-delay: 0.00s; }
.aud-grid .aud-card:nth-child(2) { animation-delay: 0.06s; }
.aud-grid .aud-card:nth-child(3) { animation-delay: 0.12s; }
.aud-grid .aud-card:nth-child(4) { animation-delay: 0.18s; }
.aud-grid .aud-card:nth-child(5) { animation-delay: 0.24s; }
.aud-grid .aud-card:nth-child(6) { animation-delay: 0.30s; }
.aud-grid .aud-card:nth-child(7) { animation-delay: 0.36s; }
.aud-grid .aud-card:nth-child(8) { animation-delay: 0.42s; }

@keyframes aud-rise {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Faint italic glyph in bottom-right echoing the abbr */
.aud-card::before {
  content: attr(data-glyph);
  position: absolute;
  bottom: -28px;
  right: -10px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 150px;
  font-weight: 400;
  line-height: 1;
  color: var(--navy);
  opacity: 0.035;
  pointer-events: none;
  transition: opacity 0.45s var(--ease), color 0.45s var(--ease), transform 0.45s var(--ease);
  z-index: 0;
}
/* Diagonal sweep accent */
.aud-card::after {
  content: "";
  position: absolute;
  top: -100%;
  left: -100%;
  width: 60%;
  height: 300%;
  background: linear-gradient(135deg, transparent 0%, rgba(255,51,0,0.10) 50%, transparent 100%);
  pointer-events: none;
  transition: transform 0.7s var(--ease);
  z-index: 0;
}
.aud-card > * { position: relative; z-index: 1; }

.aud-card:hover {
  transform: translateY(-6px);
  border-color: var(--navy);
  box-shadow:
    0 24px 50px -22px rgba(9,22,56,0.32),
    0 4px 12px -4px rgba(9,22,56,0.08);
}
.aud-card:hover::before {
  opacity: 0.12;
  color: var(--orange);
  transform: rotate(-6deg) scale(1.05);
}
.aud-card:hover::after {
  transform: translate(220%, -30%) rotate(0deg);
}

.aud-abbr {
  position: relative;
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: var(--orange);
  background: var(--white);
  border: 1px solid rgba(255,51,0,0.3);
  padding: 6px 11px;
  border-radius: 99px;
  align-self: flex-start;
  line-height: 1;
  transition: all 0.35s var(--ease);
}
.aud-card:hover .aud-abbr {
  background: var(--navy);
  color: var(--lime);
  border-color: var(--navy);
  letter-spacing: 0.20em;
  padding: 6px 14px;
  transform: translateX(2px);
  box-shadow: 0 6px 16px -4px rgba(9,22,56,0.3);
}

.aud-card h4 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 18px;
  line-height: 1.22;
  letter-spacing: -0.012em;
  color: var(--navy);
  margin: 8px 0 4px;
  transition: transform 0.4s var(--ease), color 0.3s var(--ease);
}
.aud-card:hover h4 { transform: translateX(3px); color: var(--navy); }

.aud-card p {
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--ink-2);
  margin: 0;
  transition: color 0.3s var(--ease);
}
.aud-card:hover p { color: var(--ink); }

/* Footer arrow that fades in on hover */
.aud-card::after {
  /* keep diagonal sweep above */
}
.aud-card .aud-foot {
  /* unused — we render a flexible end-of-card line via :hover */
}
.aud-card h4 + p { flex: 1; }

/* CTA chevron pseudo at bottom */
.aud-card > p + *,
.aud-card > p:last-of-type::after {
  /* nothing extra */
}
.aud-card:hover::before {
  /* override priority */
}

/* Animated end indicator (arrow that slides in on hover) */
.aud-card {
  padding-bottom: 36px;
}
.aud-card::before {
  /* maintain bottom glyph */
}
/* Use a separate pseudo on h4 for arrow? Actually use an injected ::marker on the link via content */
.aud-card .aud-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--orange);
  opacity: 0;
  transform: translateX(-6px);
  transition: opacity 0.35s var(--ease), transform 0.4s var(--ease);
  padding-top: 12px;
  border-top: 1px solid var(--rule);
}
.aud-card:hover .aud-arrow { opacity: 1; transform: translateX(0); }
.aud-card .aud-arrow::after { content: "→"; font-weight: 700; }

@media (max-width: 1100px) {
  .aud-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .aud-grid { grid-template-columns: 1fr; }
}

/* ============ Plain-English Explainer — editorial makeover ============ */
.explainer-section {
  background:
    radial-gradient(ellipse 50% 50% at 0% 0%, rgba(255,51,0,0.04), transparent 60%),
    radial-gradient(ellipse 60% 50% at 100% 100%, rgba(9,22,56,0.05), transparent 60%),
    var(--paper-warm);
  position: relative;
  overflow: hidden;
  padding: 96px 0;
}
.explainer-section::before {
  content: "§";
  position: absolute;
  top: 60px;
  left: -28px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 280px;
  line-height: 0.85;
  color: var(--navy);
  opacity: 0.05;
  pointer-events: none;
  user-select: none;
}
.explainer-section::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 380px;
  height: 380px;
  background-image: repeating-linear-gradient(45deg, transparent 0 28px, rgba(9,22,56,0.025) 28px 29px);
  pointer-events: none;
  opacity: 0.55;
  transform: translate(40%, -30%) rotate(15deg);
}

.explainer-section .container-narrow {
  position: relative;
  z-index: 1;
  max-width: 880px;
}

.explainer-section .overline {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  padding: 7px 14px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: 99px;
  box-shadow: 0 4px 12px -4px rgba(9,22,56,0.08);
}

.explainer-section h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(34px, 4vw, 56px);
  letter-spacing: -0.025em;
  line-height: 1.04;
  color: var(--navy);
  margin: 0 0 36px;
  max-width: 800px;
  position: relative;
}
.explainer-section h2 em,
.explainer-section h2 .em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.explainer-section h2::after {
  content: "";
  display: block;
  margin-top: 28px;
  width: 60px;
  height: 1px;
  background: var(--orange);
}

.explainer-body {
  font-size: 17px;
  line-height: 1.75;
  color: var(--ink-2);
  letter-spacing: -0.001em;
}
.explainer-body > p { margin: 0 0 22px; }

/* Drop cap on first paragraph */
.explainer-body > p:first-of-type::first-letter {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 84px;
  line-height: 0.85;
  float: left;
  padding: 8px 14px 0 0;
  color: var(--orange);
  letter-spacing: -0.02em;
}

.explainer-body p strong { color: var(--navy); font-weight: 600; }
.explainer-body p em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--navy);
  letter-spacing: -0.005em;
}

/* Pull quote */
.explainer-body blockquote {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(22px, 2vw, 28px);
  line-height: 1.35;
  color: var(--navy);
  margin: 40px -20px;
  padding: 36px 44px 30px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  letter-spacing: -0.015em;
  position: relative;
  box-shadow: 0 14px 36px -18px rgba(9,22,56,0.18);
}
.explainer-body blockquote::before,
.explainer-body .callout::before {
  content: "\201C";
  position: absolute;
  top: -4px;
  left: 24px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 92px;
  line-height: 1;
  color: var(--orange);
  font-weight: 400;
}

/* .callout from source = pull-quote style */
.explainer-body .callout {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(20px, 1.8vw, 24px);
  line-height: 1.5;
  color: var(--navy);
  margin: 40px 0;
  padding: 28px 32px 26px 36px;
  background: transparent;
  border: 0;
  border-left: 3px solid var(--orange);
  border-radius: 0;
  letter-spacing: -0.012em;
  position: relative;
}
.explainer-body .callout::before { display: none; }
.explainer-body .callout br + br + * { font-style: normal; }
/* Attribution line styling — the "— Mayer Dallal" text after a <br><br> */
.explainer-body .callout {
  display: block;
}
.explainer-body blockquote cite,
.explainer-body blockquote .quote-attrib,
.explainer-body blockquote + p:not([class]) {
  display: block;
  font-family: var(--sans);
  font-style: normal;
  font-size: 12.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
  margin-top: 18px;
}

/* Bulleted lists — italic editorial */
.explainer-body ul {
  list-style: none;
  padding: 0;
  margin: 28px 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: var(--white);
  border-left: 3px solid var(--orange);
  padding: 24px 28px 24px 32px;
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
}
.explainer-body ul li {
  padding-left: 28px;
  position: relative;
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink-2);
}
.explainer-body ul li::before {
  content: "→";
  position: absolute;
  left: 0;
  top: 2px;
  font-family: var(--sans);
  font-weight: 700;
  color: var(--orange);
}
.explainer-body ul li strong { color: var(--navy); font-weight: 700; }

.explainer-body h3 {
  font-family: var(--display);
  font-weight: 700;
  font-size: clamp(22px, 2.2vw, 28px);
  letter-spacing: -0.018em;
  color: var(--navy);
  margin: 48px 0 16px;
  position: relative;
  padding-top: 28px;
  border-top: 1px solid var(--rule);
}
.explainer-body h3::before {
  content: "·";
  position: absolute;
  top: 18px;
  left: 0;
  color: var(--orange);
  font-size: 24px;
  line-height: 1;
}

/* Mark / highlight */
.explainer-body .mark,
.explainer-body mark {
  background: var(--lime);
  color: var(--navy);
  padding: 1px 6px;
  border-radius: 3px;
  font-weight: 500;
  box-decoration-break: clone;
  -webkit-box-decoration-break: clone;
}

/* Closing fleuron */
.explainer-body > *:last-child::after {
  content: "✦";
  display: block;
  text-align: center;
  margin-top: 36px;
  font-family: var(--accent-serif);
  font-style: italic;
  color: var(--orange);
  font-size: 18px;
}

@media (max-width: 720px) {
  .explainer-section { padding: 64px 0; }
  .explainer-section::before { font-size: 180px; opacity: 0.04; }
  .explainer-body blockquote { margin: 28px 0; padding: 28px 24px 22px; }
  .explainer-body blockquote::before { font-size: 64px; }
  .explainer-body > p:first-of-type::first-letter { font-size: 64px; padding: 4px 10px 0 0; }
}

.container-narrow { max-width: 880px; margin: 0 auto; padding: 0 var(--gutter); }

/* ============ Ready-to-run CTA strip (above FAQ) ============ */
.calc-cta-strip {
  background: var(--paper);
  padding: 56px 0;
}
.cta-strip-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--r-md);
  padding: 36px 48px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 40px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.cta-strip-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 60% at 100% 10%, rgba(255,51,0,0.16), transparent 60%),
    radial-gradient(ellipse 50% 60% at 0% 100%, rgba(208,253,122,0.06), transparent 60%),
    repeating-linear-gradient(0deg, transparent 0 56px, rgba(255,255,255,0.02) 56px 57px),
    repeating-linear-gradient(90deg, transparent 0 56px, rgba(255,255,255,0.02) 56px 57px);
  pointer-events: none;
}
.cta-strip-card::after { display: none; }
.cta-strip-card > * { position: relative; z-index: 1; }

.cta-strip-copy { max-width: 720px; }
.cta-strip-eyebrow {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--lime);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 12px;
  line-height: 1;
}
.cta-strip-eyebrow::before {
  content: "";
  width: 24px;
  height: 1px;
  background: var(--lime);
}
.cta-strip-line {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(22px, 2.2vw, 32px);
  letter-spacing: -0.022em;
  line-height: 1.18;
  color: var(--white);
  margin: 0;
}
.cta-strip-line em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--lime);
  letter-spacing: -0.005em;
}

.cta-strip-actions {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
  white-space: nowrap;
}
.cta-strip-actions .btn {
  padding: 14px 22px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--r-sm);
}
.cta-strip-actions .btn-primary { background: var(--orange); color: var(--white); }
.cta-strip-actions .btn-primary:hover {
  background: #E62E00;
  box-shadow: 0 14px 32px -12px rgba(255,51,0,0.55);
}
.cta-strip-actions .btn-ghost {
  color: var(--white);
  background: transparent;
  border: 1px solid rgba(255,255,255,0.3);
}
.cta-strip-actions .btn-ghost:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.cta-strip-actions .arrow {
  display: inline-block;
  margin-left: 4px;
  transition: transform var(--dur-base) var(--ease);
}
.cta-strip-actions .btn:hover .arrow { transform: translateX(3px); }

/* Try another calculator row — editorial */
.calc-try-row {
  margin-top: 22px;
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.calc-try-label {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  flex-shrink: 0;
}
.calc-try-label .rule {
  display: inline-block;
  width: 32px;
  height: 1px;
  background: var(--rule);
}
.calc-try-pills {
  display: inline-flex;
  gap: 4px;
  flex-wrap: wrap;
}
.calc-try-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: var(--ink-2);
  text-decoration: none;
  border: 1px solid transparent;
  border-radius: 99px;
  background: transparent;
  transition: all var(--dur-base) var(--ease);
}
.calc-try-pill::after {
  content: "→";
  font-size: 12px;
  opacity: 0;
  margin-left: 0;
  width: 0;
  overflow: hidden;
  transition: all var(--dur-base) var(--ease);
  color: var(--orange);
}
.calc-try-pill:hover {
  color: var(--navy);
  background: var(--paper-2);
}
.calc-try-pill:hover::after {
  opacity: 1;
  margin-left: 6px;
  width: 14px;
}
.calc-try-pill.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 11.5px;
}
.calc-try-pill.active:hover { background: var(--navy); color: var(--white); }
.calc-try-pill.active::after { display: none; }
.calc-try-pill.active .dot {
  width: 6px; height: 6px;
  background: var(--lime);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(208,253,122,0.6);
  animation: bankerPulse 2.2s var(--ease) infinite;
}

@media (max-width: 900px) {
  .cta-strip-card { grid-template-columns: 1fr; gap: 24px; padding: 32px 28px; }
  .cta-strip-card::after { display: none; }
  .calc-try-row { flex-direction: column; align-items: flex-start; gap: 14px; padding: 18px 0; }
  .calc-try-label .rule { display: none; }
}

.faq-elegant {
  background:
    radial-gradient(ellipse 60% 60% at 10% 0%, rgba(255,51,0,0.04), transparent 60%),
    var(--paper);
  position: relative;
  overflow: hidden;
}
.faq-elegant::before {
  content: "";
  position: absolute;
  top: 96px;
  bottom: 96px;
  left: 0;
  width: 1px;
  background: linear-gradient(to bottom, transparent, var(--rule) 18%, var(--rule) 82%, transparent);
  pointer-events: none;
}

.faq-elegant-head {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: end;
  gap: 48px;
  padding-bottom: 40px;
  margin-bottom: 8px;
  border-bottom: 1px solid var(--rule);
}
.faq-elegant-head .overline { margin-bottom: 14px; display: inline-flex; align-items: center; gap: 8px; }
.faq-elegant-head h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(40px, 4.4vw, 64px);
  letter-spacing: -0.025em;
  line-height: 1.02;
  color: var(--navy);
  margin: 0 0 18px;
}
.faq-elegant-head .lead {
  font-size: clamp(16px, 1.2vw, 18px);
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 620px;
  margin: 0;
}

.faq-elegant-list {
  display: flex;
  flex-direction: column;
}
.faq-elegant-item {
  border-bottom: 1px solid var(--rule);
  transition: background 0.4s var(--ease);
}
.faq-elegant-item:hover { background: rgba(255,51,0,0.018); }
.faq-elegant-item .faq-q {
  width: 100%;
  display: grid;
  grid-template-columns: 88px 1fr 56px;
  gap: 24px;
  align-items: baseline;
  padding: 32px 8px 32px 0;
  background: transparent;
  border: 0;
  cursor: pointer;
  text-align: left;
  color: var(--navy);
  transition: color 0.3s var(--ease);
}
.faq-elegant-item .faq-q:hover { color: var(--orange); }
.faq-elegant-num {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 38px;
  line-height: 1;
  color: var(--orange);
  letter-spacing: -0.01em;
  align-self: center;
  transition: transform 0.4s var(--ease);
}
.faq-elegant-item:hover .faq-elegant-num,
.faq-elegant-item.open .faq-elegant-num {
  transform: translateX(6px);
}
.faq-elegant-q {
  font-family: var(--display);
  font-weight: 700;
  font-size: clamp(20px, 1.8vw, 26px);
  letter-spacing: -0.018em;
  line-height: 1.18;
  color: inherit;
  align-self: center;
}
.faq-elegant-toggle {
  width: 44px; height: 44px;
  border: 1px solid var(--rule);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--ink-3);
  transition: all 0.35s var(--ease);
  flex-shrink: 0;
  background: var(--white);
  align-self: center;
  justify-self: end;
}
.faq-elegant-toggle svg { transition: transform 0.4s var(--ease); }
.faq-elegant-item:hover .faq-elegant-toggle {
  color: var(--orange);
  border-color: var(--orange);
  background: var(--white);
}
.faq-elegant-item.open .faq-elegant-toggle {
  background: var(--orange);
  border-color: var(--orange);
  color: var(--white);
}
.faq-elegant-item.open .faq-elegant-toggle svg { transform: rotate(180deg); }

.faq-elegant-item .faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s var(--ease);
}
.faq-elegant-item.open .faq-a { max-height: 1000px; }
.faq-elegant-item .faq-a-inner {
  padding: 0 56px 36px 112px;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 880px;
}
.faq-elegant-item .faq-a-inner > * { margin: 0 0 14px; }
.faq-elegant-item .faq-a-inner > *:last-child { margin-bottom: 0; }
.faq-elegant-item .faq-a-inner strong { color: var(--navy); font-weight: 600; }
.faq-elegant-item .faq-a-inner em {
  font-family: var(--accent-serif);
  font-style: italic;
  color: var(--orange);
  font-weight: 400;
}

@media (max-width: 900px) {
  .faq-elegant-head { grid-template-columns: 1fr; align-items: start; gap: 24px; }
  .faq-elegant-item .faq-q { grid-template-columns: 56px 1fr 40px; gap: 16px; }
  .faq-elegant-item .faq-a-inner { padding: 0 40px 28px 72px; }
  .faq-elegant-num { font-size: 28px; }
  .faq-elegant-toggle { width: 36px; height: 36px; }
}
@media (max-width: 540px) {
  .faq-elegant-item .faq-q { grid-template-columns: 44px 1fr 36px; padding: 22px 4px; }
  .faq-elegant-item .faq-a-inner { padding: 0 4px 22px 60px; font-size: 15px; }
  .faq-elegant-num { font-size: 22px; }
}

/* ============================================================
   Clear Approval page — page-specific styles
   Loaded after styles.css and calc-page.css
   ============================================================ */

/* ---------- Hero tweaks ---------- */
.ca-hero h1 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.ca-hero .page-lead strong { color: var(--navy); font-weight: 600; }

.ca-hero-cta {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
  margin: 8px 0 28px;
}
.ca-hero-cta .btn-lg {
  padding: 16px 26px;
  font-size: 15px;
  border-radius: var(--r-sm);
}
.ca-hero-cta .btn-lg .arrow {
  display: inline-block;
  margin-left: 4px;
  transition: transform var(--dur-base) var(--ease);
}
.ca-hero-cta .btn-lg:hover .arrow { transform: translateX(3px); }
.ca-hero-note {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
}

.ca-hero .hero-spec-row {
  margin-top: 4px;
}
.ca-hero .hero-spec strong { color: var(--navy); font-weight: 700; }

/* ============ What Clear Approval covers — 6 program cards ============ */
.ca-covers { background: var(--white); }

.ca-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.ca-card {
  position: relative;
  padding: 32px 28px 30px;
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  overflow: hidden;
  isolation: isolate;
  transition: transform 0.4s var(--ease), border-color 0.35s var(--ease), box-shadow 0.45s var(--ease), background 0.35s var(--ease);
}
.ca-card::before {
  content: attr(data-glyph);
  position: absolute;
  bottom: -36px;
  right: -14px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 200px;
  line-height: 1;
  color: var(--navy);
  opacity: 0.04;
  pointer-events: none;
  transition: opacity 0.5s var(--ease), color 0.4s var(--ease), transform 0.5s var(--ease);
  z-index: 0;
}
.ca-card::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 3px;
  background: var(--orange);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.5s var(--ease);
}
.ca-card:hover {
  background: var(--white);
  border-color: var(--navy);
  transform: translateY(-6px);
  box-shadow: 0 26px 50px -24px rgba(9,22,56,0.28);
}
.ca-card:hover::before { opacity: 0.12; color: var(--orange); transform: rotate(-4deg) scale(1.04); }
.ca-card:hover::after { transform: scaleX(1); }
.ca-card > * { position: relative; z-index: 1; }

.ca-card-mark {
  width: 52px; height: 52px;
  background: var(--navy);
  color: var(--lime);
  border-radius: var(--r-sm);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 26px;
  font-weight: 400;
  line-height: 1;
  margin-bottom: 22px;
  transition: background 0.3s var(--ease), color 0.3s var(--ease), transform 0.3s var(--ease);
}
.ca-card:hover .ca-card-mark {
  background: var(--orange);
  color: var(--white);
  transform: scale(1.05) rotate(-4deg);
}

.ca-card h3 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 19px;
  line-height: 1.22;
  letter-spacing: -0.012em;
  color: var(--navy);
  margin: 0 0 14px;
  transition: transform 0.4s var(--ease);
}
.ca-card:hover h3 { transform: translateX(2px); }
.ca-card p {
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
}

@media (max-width: 1100px) { .ca-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 720px) { .ca-grid { grid-template-columns: 1fr; } }

/* ============ States sections ============ */
.ca-states-section {
  background: var(--paper);
  border-top: 1px solid var(--rule);
}
.ca-states-invest {
  background: var(--paper-warm);
}

.ca-states-head {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: end;
  gap: 36px;
  margin-bottom: 36px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--rule);
}
.ca-states-head h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 42px);
  letter-spacing: -0.022em;
  line-height: 1.08;
  color: var(--navy);
}
.ca-states-head h2 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.ca-state-count {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 60px;
  line-height: 1;
  color: var(--orange);
  letter-spacing: -0.02em;
  align-self: end;
}

.ca-states-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.ca-state {
  display: grid;
  grid-template-columns: 1fr auto;
  grid-template-rows: auto auto;
  gap: 4px 12px;
  align-items: center;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--r-sm);
  text-decoration: none;
  color: inherit;
  transition: all var(--dur-base) var(--ease);
}
.ca-states-invest .ca-state { background: var(--paper); }
.ca-state-name {
  grid-column: 1;
  grid-row: 1;
  font-family: var(--sans);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: -0.008em;
  color: var(--navy);
}
.ca-state-tag {
  grid-column: 1;
  grid-row: 2;
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 600;
}
.ca-state-arrow {
  grid-column: 2;
  grid-row: 1 / span 2;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-4);
  opacity: 0.5;
  transition: all var(--dur-base) var(--ease);
}
.ca-state:hover {
  border-color: var(--navy);
  background: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 10px 22px -10px rgba(9,22,56,0.28);
}
.ca-state:hover .ca-state-name { color: var(--white); }
.ca-state:hover .ca-state-tag { color: var(--lime); }
.ca-state:hover .ca-state-arrow {
  color: var(--lime);
  opacity: 1;
  transform: translateX(3px);
}
.ca-state-invest:hover { background: var(--navy); }
.ca-state-invest:hover .ca-state-tag { color: var(--orange); }

@media (max-width: 1100px) {
  .ca-states-grid { grid-template-columns: repeat(3, 1fr); }
  .ca-states-head { grid-template-columns: 1fr; align-items: start; }
}
@media (max-width: 720px) {
  .ca-states-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .ca-states-grid { grid-template-columns: 1fr; }
}

/* =================================================================
   Non-QM Bank Statement Jumbo page — layout overrides + section styles
   Loaded after styles.css, calc-page.css, and clear-approval.css
   ================================================================= */

/* ===== Hero ===== */
.bsj-hero {
  background:
    radial-gradient(ellipse 60% 50% at 12% 110%, rgba(255,51,0,0.07), transparent 60%),
    radial-gradient(ellipse 50% 55% at 95% -10%, rgba(9,22,56,0.07), transparent 60%),
    var(--paper-warm);
  padding: 56px 0 72px;
  border-bottom: 1px solid var(--rule);
  position: relative;
  overflow: hidden;
}
.bsj-hero .hero-bg-glyph {
  position: absolute;
  bottom: -140px;
  right: -60px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 720px;
  line-height: 0.85;
  color: var(--navy);
  opacity: 0.04;
  pointer-events: none;
  user-select: none;
  letter-spacing: -0.05em;
}
.bsj-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 460px;
  gap: 64px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.bsj-hero-copy h1 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(36px, 4vw, 56px);
  letter-spacing: -0.025em;
  line-height: 1.06;
  color: var(--navy);
  margin: 12px 0 22px;
}
.bsj-hero-copy h1 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.bsj-hero-copy .page-lead {
  font-size: clamp(15px, 1.2vw, 18px);
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 580px;
  margin-bottom: 24px;
}
.bsj-hero-copy .page-lead strong { color: var(--navy); font-weight: 600; }

.bsj-hero-actions {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.bsj-hero-actions .btn-lg {
  padding: 16px 26px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--r-sm);
}
.bsj-hero-actions .btn-lg .arrow { display: inline-block; margin-left: 4px; transition: transform var(--dur-base) var(--ease); }
.bsj-hero-actions .btn-lg:hover .arrow { transform: translateX(3px); }

.bsj-hero .hero-spec-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0;
  padding-top: 20px;
  border-top: 1px solid var(--rule);
}
.bsj-hero .hero-spec {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 18px;
  font-family: var(--mono);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-2);
  border-left: 1px solid var(--rule);
}
.bsj-hero .hero-spec::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--orange);
  flex-shrink: 0;
}
.bsj-hero .hero-spec:first-child { padding-left: 0; border-left: 0; }
.bsj-hero .hero-spec strong { color: var(--navy); font-weight: 700; }

@media (max-width: 1100px) {
  .bsj-hero-grid { grid-template-columns: 1fr; gap: 40px; }
}

/* ===== 97% band ===== */
.bsj-band {
  background: var(--navy);
  color: var(--white);
  padding: 56px 0;
  position: relative;
  overflow: hidden;
}
.bsj-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 80% at 80% 50%, rgba(255,51,0,0.10), transparent 60%),
    radial-gradient(ellipse 50% 80% at 20% 50%, rgba(208,253,122,0.05), transparent 60%);
  pointer-events: none;
}
.bsj-band-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
  z-index: 1;
}
.bsj-band-stat {
  padding: 0 32px;
  border-left: 1px solid rgba(255,255,255,0.14);
}
.bsj-band-stat:first-child { padding-left: 0; border-left: 0; }
.bsj-band-num {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(40px, 4.4vw, 64px);
  line-height: 1;
  letter-spacing: -0.025em;
  color: var(--white);
  margin-bottom: 14px;
  display: inline-flex;
  align-items: baseline;
}
.bsj-band-num .bsj-band-unit {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  font-size: 0.55em;
  margin-left: 4px;
}
.bsj-band-label {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  line-height: 1.4;
  display: block;
}
@media (max-width: 1100px) {
  .bsj-band-grid { grid-template-columns: 1fr 1fr; gap: 32px 0; }
  .bsj-band-stat:nth-child(3) { padding-left: 0; border-left: 0; }
}
@media (max-width: 540px) {
  .bsj-band-grid { grid-template-columns: 1fr; gap: 24px; }
  .bsj-band-stat { padding-left: 0; border-left: 0; }
}

/* ===== Section: Qualify with ease ===== */
.bsj-qualify { background: var(--paper); }
.bsj-qualify h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 44px);
  letter-spacing: -0.022em;
  line-height: 1.1;
  color: var(--navy);
  margin: 18px 0 22px;
}
.bsj-qualify h2 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}

/* ===== 5-step process ===== */
.bsj-process { background: var(--paper-warm); }
.bsj-steps-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
}
.bsj-steps-grid .hw-card {
  padding: 26px 22px;
  background: var(--white);
}
.bsj-steps-grid .hw-num {
  font-family: var(--accent-serif);
  font-style: italic;
  font-size: 22px;
  font-weight: 400;
  color: var(--orange);
  padding: 0;
  background: transparent;
  border: 0;
  letter-spacing: -0.01em;
  margin-bottom: 18px;
}
.bsj-steps-grid .hw-card h3 {
  font-size: 17px;
  line-height: 1.2;
  margin-bottom: 10px;
}
.bsj-steps-grid .hw-card p {
  font-size: 13.5px;
  line-height: 1.55;
}
@media (max-width: 1100px) {
  .bsj-steps-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .bsj-steps-grid { grid-template-columns: 1fr; }
}

/* ===== Key benefits ===== */
.bsj-benefits { background: var(--white); }
.bsj-benefits h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 44px);
  letter-spacing: -0.022em;
  line-height: 1.1;
  color: var(--navy);
  max-width: 760px;
}
.bsj-benefits h2 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.bsj-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
}
.bsj-benefit {
  padding: 32px 28px;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  transition: background 0.3s var(--ease);
}
.bsj-benefit:hover { background: var(--paper-warm); }
.bsj-benefit-mark {
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--orange);
  margin-bottom: 18px;
}
.bsj-benefit h4 {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 18px;
  line-height: 1.22;
  letter-spacing: -0.012em;
  color: var(--navy);
  margin: 0 0 10px;
}
.bsj-benefit p {
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
}
@media (max-width: 900px) {
  .bsj-benefits-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .bsj-benefits-grid { grid-template-columns: 1fr; }
}

/* ===== Property types ===== */
.bsj-properties { background: var(--paper-warm); }
.bsj-properties h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 44px);
  letter-spacing: -0.022em;
  line-height: 1.1;
  color: var(--navy);
}
.bsj-properties h2 em {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--orange);
  letter-spacing: -0.005em;
}
.bsj-properties-grid { grid-template-columns: repeat(4, 1fr) !important; }
.bsj-properties-grid .ca-state-tag {
  font-family: var(--sans);
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0;
  text-transform: none;
  color: var(--ink-2);
  line-height: 1.5;
  margin-top: 6px;
}
@media (max-width: 1100px) { .bsj-properties-grid { grid-template-columns: repeat(2, 1fr) !important; } }
@media (max-width: 540px)  { .bsj-properties-grid { grid-template-columns: 1fr !important; } }

/* ===== Tailored solutions tiles tweak ===== */
.bsj-tailored { background: var(--paper); }
.bsj-tailored-grid { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 1100px) { .bsj-tailored-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px)  { .bsj-tailored-grid { grid-template-columns: 1fr; } }

/* ===== Testimonial ===== */
.bsj-testimonial {
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.bsj-testimonial::before {
  content: "\201C";
  position: absolute;
  top: 24px;
  left: 24px;
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: 320px;
  line-height: 0.85;
  color: var(--orange);
  opacity: 0.10;
  pointer-events: none;
  user-select: none;
}
.bsj-testimonial .overline { color: var(--lime); position: relative; z-index: 1; }
.bsj-testimonial .container-narrow { position: relative; z-index: 1; }
.bsj-quote {
  font-family: var(--accent-serif);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(22px, 2.6vw, 36px);
  line-height: 1.32;
  color: var(--white);
  margin: 18px 0 32px;
  letter-spacing: -0.012em;
}
.bsj-quote em {
  color: var(--lime);
}
.bsj-quote-attrib {
  display: flex;
  align-items: baseline;
  gap: 14px;
  flex-wrap: wrap;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.18);
}
.bsj-quote-name {
  font-family: var(--sans);
  font-weight: 700;
  font-size: 17px;
  color: var(--white);
  letter-spacing: -0.005em;
}
.bsj-quote-meta {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
}

/* ===== CTA strip override (already navy-on-paper) ===== */
.bsj-cta-strip { padding: 64px 0; }


/* build override: keep top-bar phone flush-right despite the chat-widget injected as a 3rd flex child */
.utility .container > .live{margin-right:auto}