/* =========================================================
   SAVE FINANCIAL — Brand Stylesheet
   Brand colors from logo: royal blue #203080, orange #f08030,
   light blue #a0c0e0. Clean white background.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,300;9..144,400;9..144,500;9..144,600;9..144,700&family=Inter+Tight:wght@300;400;500;600;700&display=swap');

:root {
  /* Primary brand colors (from logo) */
  --brand-blue: #203080;
  --brand-blue-deep: #1a2670;
  --brand-blue-dark: #131c52;
  --brand-orange: #f08030;
  --brand-orange-bright: #ff8f3a;
  --brand-orange-deep: #d96a1f;
  --brand-light-blue: #a0c0e0;
  --brand-light-blue-soft: #e8f0f8;

  /* Legacy aliases — map old design tokens to brand palette */
  --navy: #203080;
  --navy-deep: #131c52;
  --navy-soft: #2c3e9e;
  --parchment: #ffffff;
  --parchment-warm: #f7f9fc;
  --brass: #f08030;
  --brass-bright: #ff8f3a;

  /* Neutrals */
  --ink: #1a1f3a;
  --ink-soft: #525974;
  --ink-muted: #6b7390;
  --line: #e3e7f0;
  --line-soft: #eef1f7;
  --white: #ffffff;
  --bg-soft: #f7f9fc;
  --bg-tint: #f0f4fb;
  --success: #2f7d3f;
  --danger: #b13a3a;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter Tight', -apple-system, BlinkMacSystemFont, sans-serif;

  --container: 1240px;
  --radius: 8px;
  --radius-lg: 14px;
  --shadow-sm: 0 1px 2px rgba(32, 48, 128, 0.05), 0 2px 8px rgba(32, 48, 128, 0.04);
  --shadow-md: 0 4px 16px rgba(32, 48, 128, 0.08), 0 16px 40px rgba(32, 48, 128, 0.06);
  --shadow-lg: 0 20px 60px rgba(32, 48, 128, 0.15);
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }

a { color: var(--navy); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--brass); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.01em;
  line-height: 1.15;
  font-variation-settings: "opsz" 144;
}

h1 { font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 400; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); font-weight: 400; }
h3 { font-size: clamp(1.3rem, 2.2vw, 1.7rem); }
h4 { font-size: 1.15rem; font-weight: 500; }

p { color: var(--ink-soft); margin-bottom: 1rem; }
.lead { font-size: 1.15rem; color: var(--ink); line-height: 1.55; }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--brass);
  display: inline-block;
  margin-bottom: 1.25rem;
}
.eyebrow::before { content: "— "; color: var(--brass); }

/* ---------- Top utility bar ---------- */
.utility-bar {
  background: var(--navy-deep);
  color: var(--parchment);
  font-size: 0.82rem;
  padding: 8px 0;
}
.utility-bar .container { display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.utility-bar a { color: var(--parchment); }
.utility-bar a:hover { color: var(--brass-bright); }
.utility-bar strong { color: var(--brass-bright); font-weight: 500; }

/* ---------- Header / Nav ---------- */
.site-header {
  background: var(--parchment);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: saturate(140%) blur(8px);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; padding-top: 18px; padding-bottom: 18px; }

.logo {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  background: var(--navy);
  color: var(--brass-bright);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  border-radius: 2px;
}
.logo-tag { font-family: var(--font-body); font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.18em; color: var(--brass); display: block; margin-top: 2px; }

.main-nav { display: flex; gap: 2rem; align-items: center; }
.main-nav a { font-size: 0.93rem; color: var(--navy); font-weight: 500; position: relative; }
.main-nav a:hover { color: var(--brass); }
.main-nav .dropdown { position: relative; }
.main-nav .dropdown > a::after { content: " ▾"; font-size: 0.7rem; opacity: 0.6; }
.main-nav .dropdown-menu {
  position: absolute;
  top: calc(100% + 18px);
  left: -16px;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-md);
  min-width: 280px;
  padding: 14px 0;
  border-radius: var(--radius);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all .2s ease;
}
.main-nav .dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.main-nav .dropdown-menu a { display: block; padding: 9px 22px; font-size: 0.9rem; font-weight: 400; }
.main-nav .dropdown-menu a:hover { background: var(--parchment-warm); color: var(--navy); }

.nav-cta { background: var(--navy); color: var(--parchment) !important; padding: 11px 22px; border-radius: 2px; transition: all .2s ease; font-weight: 500 !important; }
.nav-cta:hover { background: var(--brass); color: var(--navy) !important; }

.menu-toggle { display: none; background: none; border: 1px solid var(--navy); color: var(--navy); padding: 8px 14px; font-family: var(--font-body); cursor: pointer; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.95rem;
  padding: 14px 28px;
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: all .25s ease;
  letter-spacing: 0.02em;
  border-radius: 2px;
}
.btn-primary { background: var(--navy); color: var(--parchment); }
.btn-primary:hover { background: var(--brass); color: var(--navy); }
.btn-secondary { background: var(--brass); color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: var(--brass-bright); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--parchment); }
.btn-ghost { background: transparent; color: var(--parchment); border-color: var(--parchment); }
.btn-ghost:hover { background: var(--parchment); color: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  background: var(--navy);
  color: var(--parchment);
  padding: 100px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 85% 20%, rgba(214, 166, 74, 0.18), transparent 50%),
    radial-gradient(circle at 10% 90%, rgba(20, 48, 79, 0.6), transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 64px 64px;
  pointer-events: none;
  opacity: 0.5;
}
.hero .container { position: relative; z-index: 2; display: grid; grid-template-columns: 1.4fr 1fr; gap: 80px; align-items: center; }
.hero h1 { color: var(--parchment); margin-bottom: 1.5rem; }
.hero h1 em { font-style: italic; color: var(--brass-bright); font-weight: 300; }
.hero .lead { color: rgba(246, 241, 231, 0.8); font-size: 1.2rem; max-width: 560px; margin-bottom: 2rem; }
.hero .eyebrow { color: var(--brass-bright); }
.hero .eyebrow::before { color: var(--brass-bright); }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 3rem; }
.hero-trust { display: flex; gap: 2rem; flex-wrap: wrap; color: rgba(246, 241, 231, 0.7); font-size: 0.85rem; }
.hero-trust div { display: flex; align-items: center; gap: 8px; }
.hero-trust strong { color: var(--brass-bright); font-family: var(--font-display); font-size: 1.4rem; font-weight: 500; display: block; }

/* Rate Quote Card in Hero */
.rate-card {
  background: var(--parchment);
  color: var(--ink);
  padding: 36px 32px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
  position: relative;
}
.rate-card::before {
  content: "";
  position: absolute;
  top: -1px; left: -1px; right: -1px;
  height: 4px;
  background: linear-gradient(90deg, var(--brass), var(--brass-bright), var(--brass));
}
.rate-card h3 { font-size: 1.4rem; margin-bottom: 0.4rem; color: var(--navy); }
.rate-card .subtitle { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 1.4rem; }
.rate-card form { display: grid; gap: 14px; }
.rate-card label { font-size: 0.78rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); display: block; margin-bottom: 4px; }
.rate-card input, .rate-card select {
  width: 100%;
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--ink);
  border-radius: 2px;
}
.rate-card input:focus, .rate-card select:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 3px rgba(184, 137, 58, 0.15); }
.rate-card button { margin-top: 6px; width: 100%; }
.rate-card .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.rate-card small { display: block; margin-top: 10px; text-align: center; color: var(--ink-soft); font-size: 0.78rem; }

/* ---------- Section base ---------- */
section { padding: 100px 0; }
.section-head { max-width: 760px; margin-bottom: 60px; }
.section-head.center { margin: 0 auto 60px; text-align: center; }
.section-head h2 { margin-bottom: 1rem; }
.section-head p { font-size: 1.1rem; color: var(--ink-soft); }

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--parchment-warm);
  padding: 32px 0;
  border-bottom: 1px solid var(--line);
}
.trust-strip .container { display: flex; justify-content: space-around; align-items: center; flex-wrap: wrap; gap: 24px; }
.trust-strip .item { text-align: center; }
.trust-strip .item strong { font-family: var(--font-display); font-size: 2rem; font-weight: 500; color: var(--navy); display: block; }
.trust-strip .item span { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--ink-soft); }

/* ---------- Loan programs grid ---------- */
.programs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.program-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 32px;
  transition: all .3s ease;
  position: relative;
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
}
.program-card:hover { border-color: var(--brass); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.program-card .num {
  font-family: var(--font-display);
  font-size: 0.85rem;
  color: var(--brass);
  letter-spacing: 0.1em;
  margin-bottom: 1.2rem;
}
.program-card h3 { font-size: 1.5rem; margin-bottom: 0.7rem; }
.program-card p { font-size: 0.95rem; flex: 1; }
.program-card ul { list-style: none; padding: 0; margin: 1rem 0 1.5rem; font-size: 0.9rem; }
.program-card ul li { padding: 6px 0; border-top: 1px dashed var(--line); color: var(--ink-soft); }
.program-card ul li:first-child { border-top: 1px solid var(--line); padding-top: 12px; margin-top: 4px; }
.program-card ul li::before { content: "✓ "; color: var(--brass); font-weight: 600; }
.program-card .arrow { font-family: var(--font-display); color: var(--navy); font-weight: 500; display: inline-flex; align-items: center; gap: 8px; transition: gap .2s ease; }
.program-card:hover .arrow { gap: 14px; color: var(--brass); }

/* ---------- Process section ---------- */
.process-section { background: var(--navy); color: var(--parchment); }
.process-section h2 { color: var(--parchment); }
.process-section .eyebrow { color: var(--brass-bright); }
.process-section .eyebrow::before { color: var(--brass-bright); }
.process-section .section-head p { color: rgba(246, 241, 231, 0.75); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; counter-reset: step; }
.process-step { counter-increment: step; position: relative; padding-top: 64px; }
.process-step::before {
  content: "0" counter(step);
  position: absolute;
  top: 0;
  left: 0;
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 300;
  color: var(--brass-bright);
  font-style: italic;
}
.process-step h3 { color: var(--parchment); font-size: 1.3rem; margin-bottom: 0.6rem; }
.process-step p { color: rgba(246, 241, 231, 0.7); font-size: 0.95rem; }

/* ---------- Cities section ---------- */
.cities-section { background: var(--parchment-warm); }
.cities-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.city-tile {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 22px 24px;
  border-radius: var(--radius);
  transition: all .25s ease;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.city-tile:hover { background: var(--navy); transform: translateY(-2px); }
.city-tile h4 { font-family: var(--font-display); color: var(--navy); font-size: 1.15rem; font-weight: 500; margin: 0; }
.city-tile span { font-size: 0.82rem; color: var(--ink-soft); }
.city-tile:hover h4 { color: var(--brass-bright); }
.city-tile:hover span { color: var(--parchment); }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--parchment); }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.testimonial {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 32px;
  border-radius: var(--radius);
  position: relative;
}
.testimonial::before { content: "“"; position: absolute; top: -10px; left: 24px; font-family: var(--font-display); font-size: 5rem; color: var(--brass); line-height: 1; font-weight: 400; }
.testimonial .stars { color: var(--brass); margin-bottom: 1rem; font-size: 1rem; letter-spacing: 2px; }
.testimonial blockquote { font-family: var(--font-display); font-weight: 400; font-style: italic; font-size: 1.1rem; color: var(--navy); line-height: 1.45; margin-bottom: 1.5rem; }
.testimonial .author { display: flex; align-items: center; gap: 12px; }
.testimonial .avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--brass-bright); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 500; }
.testimonial .author-name { font-weight: 500; color: var(--navy); font-size: 0.95rem; line-height: 1.2; }
.testimonial .author-meta { font-size: 0.82rem; color: var(--ink-soft); }

/* ---------- FAQ ---------- */
.faq-section { background: var(--white); }
.faq-list { max-width: 880px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 0;
}
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-item summary {
  cursor: pointer;
  padding: 24px 0;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--brass);
  font-weight: 400;
  line-height: 1;
  transition: transform .2s ease;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item .answer { padding: 0 0 28px; color: var(--ink-soft); font-size: 1rem; line-height: 1.65; max-width: 720px; }
.faq-item .answer p { margin-bottom: 0.8rem; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--navy-deep);
  color: var(--parchment);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(214, 166, 74, 0.15), transparent 60%);
}
.cta-banner .container { position: relative; z-index: 2; }
.cta-banner h2 { color: var(--parchment); margin-bottom: 1rem; }
.cta-banner h2 em { color: var(--brass-bright); font-style: italic; font-weight: 300; }
.cta-banner p { color: rgba(246, 241, 231, 0.8); font-size: 1.15rem; margin-bottom: 2rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-banner .btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: rgba(246, 241, 231, 0.7);
  padding: 80px 0 24px;
  font-size: 0.9rem;
}
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 60px; }
.site-footer h5 { color: var(--parchment); font-family: var(--font-body); font-size: 0.85rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.14em; margin-bottom: 1.2rem; }
.site-footer ul { list-style: none; }
.site-footer ul li { margin-bottom: 0.6rem; }
.site-footer a { color: rgba(246, 241, 231, 0.7); font-size: 0.9rem; }
.site-footer a:hover { color: var(--brass-bright); }
.site-footer .logo { color: var(--parchment); margin-bottom: 1rem; }
.site-footer .logo-mark { background: var(--brass); color: var(--navy); }
.footer-about p { color: rgba(246, 241, 231, 0.65); font-size: 0.92rem; max-width: 360px; }
.footer-legal { border-top: 1px solid rgba(246, 241, 231, 0.1); padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 0.78rem; color: rgba(246, 241, 231, 0.5); }
.footer-legal .nmls { font-family: var(--font-body); }

/* =========================================================
   Inner Pages
   ========================================================= */
.page-header {
  background: var(--navy);
  color: var(--parchment);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 30%, rgba(214, 166, 74, 0.15), transparent 50%);
}
.page-header .container { position: relative; z-index: 2; max-width: 880px; }
.page-header h1 { color: var(--parchment); margin-bottom: 1rem; }
.page-header h1 em { font-style: italic; color: var(--brass-bright); font-weight: 300; }
.page-header .lead { color: rgba(246, 241, 231, 0.8); font-size: 1.2rem; }
.breadcrumb { color: rgba(246, 241, 231, 0.6); font-size: 0.85rem; margin-bottom: 1.5rem; }
.breadcrumb a { color: rgba(246, 241, 231, 0.6); }
.breadcrumb a:hover { color: var(--brass-bright); }

/* Loan/City content layout */
.content-layout { display: grid; grid-template-columns: 1.6fr 1fr; gap: 64px; align-items: flex-start; }
.content-main h2 { margin: 2rem 0 1rem; }
.content-main h2:first-child { margin-top: 0; }
.content-main h3 { margin: 1.5rem 0 0.6rem; }
.content-main p { font-size: 1.02rem; color: var(--ink-soft); margin-bottom: 1.1rem; line-height: 1.7; }
.content-main ul, .content-main ol { margin: 0 0 1.2rem 1.5rem; color: var(--ink-soft); }
.content-main ul li, .content-main ol li { margin-bottom: 0.5rem; line-height: 1.65; }
.content-main strong { color: var(--navy); font-weight: 500; }

.fact-box {
  background: var(--parchment-warm);
  border-left: 3px solid var(--brass);
  padding: 24px 28px;
  margin: 2rem 0;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.fact-box h4 { color: var(--navy); margin-bottom: 0.5rem; font-family: var(--font-display); }
.fact-box p { margin: 0; color: var(--ink); font-size: 0.95rem; }

.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 2rem 0; }
.stat-tile { background: var(--white); border: 1px solid var(--line); padding: 24px; border-radius: var(--radius); text-align: center; }
.stat-tile strong { font-family: var(--font-display); font-size: 2.2rem; color: var(--navy); display: block; line-height: 1; font-weight: 500; }
.stat-tile span { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-soft); display: block; margin-top: 8px; }

.sidebar {
  position: sticky;
  top: 100px;
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px 28px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.sidebar h3 { font-size: 1.25rem; margin-bottom: 0.4rem; }
.sidebar p.muted { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 1.4rem; }
.sidebar form { display: grid; gap: 12px; }
.sidebar label { font-size: 0.75rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); }
.sidebar input, .sidebar select, .sidebar textarea {
  width: 100%;
  padding: 11px 13px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--ink);
  border-radius: 2px;
}
.sidebar input:focus, .sidebar select:focus, .sidebar textarea:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 3px rgba(184, 137, 58, 0.15); }
.sidebar textarea { resize: vertical; min-height: 80px; }
.sidebar button { margin-top: 8px; width: 100%; }
.sidebar .trust-line { font-size: 0.78rem; color: var(--ink-soft); text-align: center; margin-top: 10px; }

/* Comparison table */
.compare-table { width: 100%; border-collapse: collapse; margin: 2rem 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.compare-table th, .compare-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
.compare-table th { background: var(--parchment-warm); font-family: var(--font-display); font-weight: 500; color: var(--navy); font-size: 0.95rem; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table td:first-child { font-weight: 500; color: var(--navy); }

/* Contact / forms full page */
.form-page { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.form-page .info h2 { margin-bottom: 1rem; }
.form-page .info ul { list-style: none; padding: 0; margin-top: 1.5rem; }
.form-page .info ul li { padding: 14px 0; border-top: 1px solid var(--line); display: flex; gap: 12px; align-items: flex-start; }
.form-page .info ul li strong { display: block; color: var(--navy); margin-bottom: 2px; }
.form-page .info ul li span { color: var(--ink-soft); font-size: 0.95rem; }
.form-page .info ul li:first-child { border-top: none; }

.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 40px 36px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.form-card form { display: grid; gap: 18px; }
.form-card .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-card label { font-size: 0.78rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); margin-bottom: 4px; display: block; }
.form-card input, .form-card select, .form-card textarea {
  width: 100%;
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 2px;
  color: var(--ink);
}
.form-card input:focus, .form-card select:focus, .form-card textarea:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 3px rgba(184, 137, 58, 0.15); }
.form-card textarea { resize: vertical; min-height: 110px; }
.form-card button { margin-top: 8px; }
.form-card .consent { font-size: 0.8rem; color: var(--ink-soft); display: flex; gap: 8px; align-items: flex-start; }
.form-card .consent input { width: auto; margin-top: 3px; }

/* Success message */
.form-success {
  background: rgba(47, 125, 63, 0.1);
  border: 1px solid var(--success);
  color: var(--success);
  padding: 14px 18px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  display: none;
}
.form-success.show { display: block; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; gap: 60px; }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .cities-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .content-layout { grid-template-columns: 1fr; }
  .form-page { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  section { padding: 70px 0; }
  .hero { padding: 70px 0 80px; }
  .main-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--parchment); flex-direction: column; align-items: stretch; gap: 0; border-bottom: 1px solid var(--line); padding: 8px 0; }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 14px 24px; }
  .main-nav .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: var(--parchment-warm); padding: 0; min-width: 0; }
  .main-nav .dropdown-menu a { padding: 10px 40px; font-size: 0.88rem; }
  .menu-toggle { display: block; }
  .programs-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .cities-grid { grid-template-columns: 1fr 1fr; }
  .trust-strip .container { gap: 14px; }
  .trust-strip .item strong { font-size: 1.5rem; }
  .stat-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .form-card .form-row { grid-template-columns: 1fr; }
  .rate-card .form-row { grid-template-columns: 1fr; }
}

/* Animations */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { animation: fadeUp .8s ease both; }
.fade-up-1 { animation-delay: .1s; }
.fade-up-2 { animation-delay: .2s; }
.fade-up-3 { animation-delay: .3s; }
.fade-up-4 { animation-delay: .4s; }

/* ============================================================ */
/* Additional styles for: apply, contact, rates, about, legal pages */
/* ============================================================ */

/* Header CTA + site-header support (alias to existing classes) */
.site-header .header-inner { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; gap: 28px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy-deep); }
.brand-mark { width: 36px; height: 36px; border-radius: 8px; background: var(--navy-deep); color: var(--brass-bright); display: inline-flex; align-items: center; justify-content: center; font-family: 'Fraunces', Georgia, serif; font-weight: 700; font-size: 20px; }
.brand-name { font-family: 'Fraunces', Georgia, serif; font-weight: 600; font-size: 1.25rem; letter-spacing: -0.01em; }
.primary-nav { display: flex; align-items: center; }
.primary-nav > ul { list-style: none; display: flex; gap: 28px; margin: 0; padding: 0; align-items: center; }
.primary-nav > ul > li { position: relative; }
.primary-nav > ul > li > a { color: var(--navy-deep); text-decoration: none; font-weight: 500; font-size: 0.95rem; padding: 8px 0; display: inline-block; transition: color .15s; }
.primary-nav > ul > li > a:hover, .primary-nav > ul > li > a.active { color: var(--brass); }
.primary-nav .dropdown { position: absolute; top: 100%; left: 0; min-width: 220px; background: #fff; border: 1px solid var(--line); border-radius: 8px; box-shadow: 0 12px 36px rgba(11,29,51,0.10); padding: 8px 0; list-style: none; margin: 8px 0 0; opacity: 0; visibility: hidden; transform: translateY(-4px); transition: all .15s; z-index: 50; }
.primary-nav .has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.primary-nav .dropdown li { list-style: none; }
.primary-nav .dropdown a { display: block; padding: 9px 18px; color: var(--navy-deep); text-decoration: none; font-size: 0.9rem; }
.primary-nav .dropdown a:hover { background: var(--parchment-warm); color: var(--brass); }
.header-cta { margin-left: 8px; }
.nav-toggle { display: none; background: none; border: none; font-size: 1.6rem; cursor: pointer; color: var(--navy-deep); }

/* Utility bar inner */
.utility-inner { display: flex; justify-content: space-between; align-items: center; }
.utility-bar a { color: inherit; text-decoration: none; font-weight: 500; }

/* Page header */
.page-header { background: linear-gradient(180deg, var(--parchment-warm) 0%, var(--parchment) 100%); padding: 80px 0 60px; border-bottom: 1px solid var(--line); }
.page-header h1 { font-family: 'Fraunces', Georgia, serif; font-size: clamp(2.2rem, 4vw, 3.4rem); font-weight: 600; line-height: 1.05; letter-spacing: -0.02em; color: var(--navy-deep); margin: 8px 0 18px; }
.page-header .eyebrow { color: var(--brass); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 600; margin: 0; }
.page-header .lede { font-size: 1.15rem; max-width: 720px; line-height: 1.55; color: var(--ink-soft); }
.breadcrumb { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 20px; }
.breadcrumb a { color: var(--ink-soft); text-decoration: none; }
.breadcrumb a:hover { color: var(--brass); }
.breadcrumb span { margin: 0 6px; opacity: 0.5; }

/* Section helpers */
.section { padding: 80px 0; }
.section-muted { background: var(--parchment-warm); }
.section-title { font-family: 'Fraunces', Georgia, serif; font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 600; line-height: 1.15; letter-spacing: -0.01em; color: var(--navy-deep); margin: 0 0 36px; }
.container.narrow { max-width: 820px; }
.narrow { max-width: 820px; margin-left: auto; margin-right: auto; }

/* Two-column form layout for apply/contact/rates */
.form-page-grid { display: grid; grid-template-columns: 1.55fr 1fr; gap: 48px; align-items: start; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 36px; box-shadow: 0 1px 0 rgba(11,29,51,0.04); }
.form-card .form-title { font-family: 'Fraunces', Georgia, serif; font-size: 1.6rem; font-weight: 600; margin: 0 0 8px; color: var(--navy-deep); }
.form-card .form-sub { color: var(--ink-soft); margin: 0 0 24px; }
.form-card fieldset { border: none; padding: 0; margin: 0 0 28px; }
.form-card legend { font-family: 'Fraunces', Georgia, serif; font-weight: 600; font-size: 1.1rem; color: var(--navy-deep); margin-bottom: 14px; padding: 0; }
.form-card label { display: block; font-size: 0.85rem; font-weight: 500; color: var(--ink-soft); margin-bottom: 14px; }
.form-card label.checkbox { display: flex; gap: 10px; align-items: flex-start; font-size: 0.85rem; color: var(--ink-soft); font-weight: 400; line-height: 1.45; }
.form-card label.checkbox input { width: auto; margin-top: 3px; }
.form-card input[type="text"], .form-card input[type="email"], .form-card input[type="tel"], .form-card select, .form-card textarea { width: 100%; padding: 11px 14px; border: 1px solid var(--line); border-radius: 8px; font: inherit; font-size: 0.95rem; color: var(--navy-deep); background: #fff; margin-top: 5px; transition: border-color .15s, box-shadow .15s; }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus { outline: none; border-color: var(--brass); box-shadow: 0 0 0 3px rgba(184,137,58,0.12); }
.form-card .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-card .form-help { font-size: 0.85rem; color: var(--ink-soft); margin: -6px 0 14px; font-style: italic; }
.form-card .form-fine { font-size: 0.78rem; color: var(--ink-soft); margin: 14px 0 0; line-height: 1.5; }
.btn-large { padding: 16px 30px; font-size: 1rem; width: 100%; }
.btn-block { width: 100%; display: block; text-align: center; }

/* Form sidebar */
.form-aside { display: flex; flex-direction: column; gap: 20px; }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 26px; }
.aside-card h3 { font-family: 'Fraunces', Georgia, serif; font-size: 1.15rem; font-weight: 600; margin: 0 0 14px; color: var(--navy-deep); }
.aside-card p { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.55; margin: 0 0 10px; }
.aside-card .step-list { padding-left: 18px; margin: 0; }
.aside-card .step-list li { font-size: 0.9rem; color: var(--ink-soft); margin-bottom: 10px; line-height: 1.5; }
.aside-card .step-list strong { color: var(--navy-deep); }
.aside-card .checklist { list-style: none; padding: 0; margin: 0; }
.aside-card .checklist li { padding-left: 24px; position: relative; margin-bottom: 10px; font-size: 0.9rem; color: var(--ink-soft); line-height: 1.45; }
.aside-card .checklist li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--brass); font-weight: 700; }
.aside-card.aside-trust { background: var(--navy-deep); border-color: var(--navy-deep); color: var(--parchment); }
.aside-card.aside-trust .trust-stat { color: rgba(246,241,231,0.85); margin: 0 0 8px; font-size: 0.9rem; }
.aside-card.aside-trust .trust-stat strong { color: var(--brass-bright); font-size: 1.05rem; }
.aside-card .big-phone { font-family: 'Fraunces', Georgia, serif; font-size: 1.7rem; font-weight: 600; color: var(--navy-deep); text-decoration: none; display: block; margin: 0 0 14px; letter-spacing: -0.01em; }
.aside-card .big-phone:hover { color: var(--brass); }
.aside-card .aside-hours { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.65; margin: 6px 0; }
.aside-card address { font-style: normal; font-size: 0.92rem; color: var(--ink-soft); line-height: 1.6; margin-bottom: 10px; }

/* Rates page grid */
.rates-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-bottom: 28px; }
.rate-tile { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 24px 22px; position: relative; transition: border-color .15s, box-shadow .15s; }
.rate-tile:hover { border-color: var(--brass); box-shadow: 0 8px 24px rgba(11,29,51,0.06); }
.rate-tile.featured { border-color: var(--brass); border-width: 2px; }
.rate-tile.featured::before { content: "Popular"; position: absolute; top: -10px; left: 22px; background: var(--brass); color: #fff; font-size: 0.7rem; font-weight: 600; padding: 4px 10px; border-radius: 20px; letter-spacing: 0.05em; text-transform: uppercase; }
.rate-tile .eyebrow { color: var(--brass); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600; margin: 0 0 12px; }
.rate-tile .rate-big { font-family: 'Fraunces', Georgia, serif; font-size: 2.5rem; font-weight: 600; color: var(--navy-deep); margin: 0; line-height: 1; letter-spacing: -0.02em; }
.rate-tile .rate-big span { font-size: 1.4rem; color: var(--brass); margin-left: 2px; }
.rate-tile .rate-apr { font-size: 0.82rem; color: var(--ink-soft); margin: 4px 0 16px; }
.rate-tile .rate-detail { list-style: none; padding: 0; margin: 0 0 18px; }
.rate-tile .rate-detail li { font-size: 0.82rem; color: var(--ink-soft); line-height: 1.45; padding: 4px 0; border-bottom: 1px dashed var(--line); }
.rate-tile .rate-detail li:last-child { border: none; }
.rates-disclaimer { font-size: 0.78rem; color: var(--ink-soft); line-height: 1.55; max-width: 900px; margin: 28px auto 0; font-style: italic; }

/* About page value grid */
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 28px; }
.value-card h3 { font-family: 'Fraunces', Georgia, serif; font-size: 1.2rem; font-weight: 600; color: var(--navy-deep); margin: 0 0 10px; line-height: 1.25; }
.value-card p { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.6; margin: 0; }

/* Stat row */
.stat-row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; padding: 32px 0; }
.stat-row .stat { text-align: center; padding: 12px; }
.stat-row .stat strong { display: block; font-family: 'Fraunces', Georgia, serif; font-size: 2rem; font-weight: 600; color: var(--brass); line-height: 1; letter-spacing: -0.02em; margin-bottom: 6px; }
.stat-row .stat span { display: block; font-size: 0.82rem; color: var(--ink-soft); line-height: 1.4; }

/* CTA banner */
.cta-banner { background: var(--navy-deep); color: var(--parchment); padding: 60px 0; }
.cta-banner .cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta-banner h2 { font-family: 'Fraunces', Georgia, serif; font-size: 1.9rem; font-weight: 600; margin: 0 0 6px; color: #fff; line-height: 1.2; }
.cta-banner p { margin: 0; color: rgba(246,241,231,0.8); font-size: 1.05rem; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-light { background: var(--brass); color: #fff; border: 1px solid var(--brass); padding: 14px 28px; font-weight: 600; border-radius: 8px; text-decoration: none; display: inline-flex; align-items: center; transition: background .15s; }
.btn-light:hover { background: var(--brass-bright); }
.btn-light-outline { background: transparent; color: var(--parchment); border: 1px solid rgba(246,241,231,0.4); padding: 14px 28px; font-weight: 500; border-radius: 8px; text-decoration: none; display: inline-flex; align-items: center; transition: all .15s; }
.btn-light-outline:hover { border-color: var(--parchment); background: rgba(246,241,231,0.05); }

/* Footer (alias to existing site-footer styles) */
.site-footer { background: var(--navy-deep); color: rgba(246,241,231,0.75); padding: 60px 0 30px; }
.site-footer h4 { font-family: 'Fraunces', Georgia, serif; color: var(--parchment); font-weight: 600; font-size: 1rem; margin: 0 0 16px; letter-spacing: 0.02em; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 8px; }
.site-footer a { color: rgba(246,241,231,0.75); text-decoration: none; font-size: 0.9rem; transition: color .15s; }
.site-footer a:hover { color: var(--brass-bright); }
.brand-footer .brand-name { color: var(--parchment); }
.footer-blurb { font-size: 0.9rem; line-height: 1.6; margin: 16px 0 12px; }
.footer-license { font-size: 0.78rem; color: rgba(246,241,231,0.5); margin: 0; }
.footer-bottom { border-top: 1px solid rgba(246,241,231,0.1); margin-top: 40px; padding-top: 24px; }
.footer-bottom p { font-size: 0.82rem; color: rgba(246,241,231,0.55); margin: 0 0 12px; }
.footer-bottom .legal { font-size: 0.72rem; line-height: 1.55; color: rgba(246,241,231,0.45); }

/* Legal/long-form content pages */
.legal-content h2 { font-family: 'Fraunces', Georgia, serif; font-size: 1.5rem; font-weight: 600; color: var(--navy-deep); margin: 36px 0 14px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { color: var(--ink-soft); line-height: 1.7; margin: 0 0 14px; }
.legal-content .legal-list { padding-left: 22px; margin: 0 0 16px; }
.legal-content .legal-list li { color: var(--ink-soft); line-height: 1.7; margin-bottom: 8px; }
.legal-content .key-facts { width: 100%; border-collapse: collapse; margin: 14px 0 28px; background: #fff; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; }
.legal-content .key-facts th, .legal-content .key-facts td { padding: 12px 18px; border-bottom: 1px solid var(--line); text-align: left; font-size: 0.92rem; }
.legal-content .key-facts th { background: var(--parchment-warm); color: var(--navy-deep); font-weight: 600; width: 35%; }
.legal-content .key-facts td { color: var(--ink-soft); }
.legal-content .key-facts tr:last-child th, .legal-content .key-facts tr:last-child td { border-bottom: none; }
.legal-content .checklist { list-style: none; padding: 0; margin: 0 0 24px; }
.legal-content .checklist li { padding-left: 26px; position: relative; margin-bottom: 10px; color: var(--ink-soft); line-height: 1.6; }
.legal-content .checklist li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--brass); font-weight: 700; }

/* FAQ list (alias) */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-list details { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 18px 22px; margin-bottom: 12px; transition: border-color .15s; }
.faq-list details[open] { border-color: var(--brass); }
.faq-list summary { font-family: 'Fraunces', Georgia, serif; font-weight: 600; color: var(--navy-deep); cursor: pointer; font-size: 1.05rem; line-height: 1.4; list-style: none; position: relative; padding-right: 30px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 0; top: 0; color: var(--brass); font-size: 1.4rem; font-weight: 400; transition: transform .2s; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { margin: 14px 0 0; color: var(--ink-soft); line-height: 1.65; font-size: 0.95rem; }

/* Responsive for new pages */
@media (max-width: 1024px) {
  .form-page-grid { grid-template-columns: 1fr; }
  .rates-grid { grid-template-columns: repeat(2, 1fr); }
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-row { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 720px) {
  .primary-nav { display: none; }
  .primary-nav.open { display: flex; position: absolute; top: 100%; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--line); }
  .primary-nav.open > ul { flex-direction: column; align-items: stretch; padding: 14px 24px; width: 100%; gap: 0; }
  .primary-nav.open > ul > li { width: 100%; border-bottom: 1px solid var(--line); }
  .primary-nav.open > ul > li > a { padding: 12px 0; }
  .nav-toggle { display: block; }
  .header-cta { display: none; }
  .rates-grid { grid-template-columns: 1fr; }
  .value-grid { grid-template-columns: 1fr; }
  .form-card { padding: 24px; }
  .form-card .form-row { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: 1fr 1fr; }
  .cta-banner .cta-inner { flex-direction: column; align-items: flex-start; }
}

/* ============================================================
   EXPANSION STYLES: program pages, guides, hubs
   ============================================================ */

/* Program page hero with sidebar */
.program-hero { padding: 48px 0 64px; background: linear-gradient(180deg, var(--parchment) 0%, var(--parchment-warm) 100%); border-bottom: 1px solid var(--line); }
.program-hero-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 56px; align-items: start; }
.program-hero-content .breadcrumbs { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 16px; }
.program-hero-content .breadcrumbs a { color: var(--ink-soft); text-decoration: none; }
.program-hero-content .breadcrumbs a:hover { color: var(--brass); }
.program-hero-content .breadcrumbs span { color: var(--navy); font-weight: 500; }
.display-h1 { font-family: var(--font-display); font-size: clamp(2.2rem, 4.5vw, 3.4rem); line-height: 1.08; color: var(--navy); font-weight: 600; letter-spacing: -0.02em; margin: 8px 0 24px; }
.answer-first { font-size: 1.12rem; line-height: 1.65; color: var(--ink); max-width: 640px; margin-bottom: 28px; }
.answer-first-card { background: var(--parchment-warm); border-left: 4px solid var(--brass); padding: 22px 26px; margin-bottom: 36px; border-radius: 4px; }
.answer-first-card .answer-first-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.16em; color: var(--brass); font-weight: 700; margin-bottom: 8px; }
.answer-first-card p { font-size: 1.05rem; line-height: 1.65; margin: 0; color: var(--ink); }
.hero-cta-row { display: flex; gap: 14px; margin-bottom: 32px; flex-wrap: wrap; }

/* Override stat-row inside program-hero so 3 tiles work as cards */
.program-hero .stat-row { grid-template-columns: repeat(3, 1fr); gap: 14px; padding: 0; margin-top: 0; }
.program-hero .stat-tile { background: var(--white); border: 1px solid var(--line); padding: 20px 16px; border-radius: 4px; text-align: center; }
.stat-num { font-family: var(--font-display); font-size: 1.7rem; font-weight: 600; color: var(--navy); display: block; line-height: 1.05; }
.stat-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-soft); display: block; margin-top: 6px; line-height: 1.3; }

/* Lead-form sidebar */
.program-sidebar { position: sticky; top: 100px; }
.lead-card { background: var(--white); border: 1px solid var(--line); border-radius: 6px; padding: 28px; box-shadow: 0 2px 18px rgba(11, 29, 51, 0.06); }
.lead-eyebrow { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.14em; color: var(--brass); font-weight: 600; margin-bottom: 8px; }
.lead-title { font-family: var(--font-display); font-size: 1.5rem; font-weight: 600; color: var(--navy); margin: 0 0 8px; line-height: 1.2; }
.lead-sub { font-size: 0.9rem; color: var(--ink-soft); margin-bottom: 20px; line-height: 1.5; }
.lead-field { margin-bottom: 14px; }
.lead-field label { display: block; font-size: 0.82rem; font-weight: 500; color: var(--navy); margin-bottom: 5px; }
.lead-field input, .lead-field select { width: 100%; padding: 11px 13px; font-family: var(--font-body); font-size: 0.95rem; border: 1px solid var(--line); border-radius: 4px; background: var(--white); color: var(--ink); transition: border-color .15s ease; }
.lead-field input:focus, .lead-field select:focus { outline: none; border-color: var(--brass); }
.btn-block { width: 100%; }
.lead-trust { font-size: 0.78rem; color: var(--ink-soft); text-align: center; margin-top: 14px; line-height: 1.45; }
.sidebar-trust { display: flex; justify-content: space-between; gap: 14px; margin-top: 18px; padding: 18px 8px; background: var(--parchment-warm); border-radius: 4px; }
.trust-stat { flex: 1; text-align: center; margin: 0; }
.trust-stat strong { display: block; font-family: var(--font-display); font-size: 1.15rem; color: var(--navy); font-weight: 600; line-height: 1.1; }
.trust-stat span { display: block; font-size: 0.7rem; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.08em; margin-top: 3px; }

/* Program content sections */
.program-section { padding: 56px 0; }
.program-section.alt-bg { background: var(--parchment-warm); }
.program-section h2 { font-family: var(--font-display); font-size: clamp(1.7rem, 2.8vw, 2.2rem); color: var(--navy); font-weight: 600; line-height: 1.2; margin-bottom: 22px; letter-spacing: -0.01em; }
.program-section p { font-size: 1.02rem; line-height: 1.7; color: var(--ink); margin-bottom: 1rem; }

/* Check list */
.check-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 28px; }
.check-list li { position: relative; padding-left: 30px; font-size: 1rem; line-height: 1.55; color: var(--ink); }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--brass); font-weight: 700; font-size: 1.1rem; }

/* Facts table */
.facts-table-wrap { overflow-x: auto; }
.facts-table { width: 100%; border-collapse: collapse; font-size: 0.96rem; }
.facts-table th, .facts-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.facts-table th { width: 42%; font-weight: 600; color: var(--navy); background: var(--white); font-family: var(--font-body); }
.facts-table td { color: var(--ink); }

/* Process steps */
.process-steps { list-style: none; padding: 0; margin: 0; counter-reset: step; }
.process-steps li { padding: 22px 22px 22px 78px; background: var(--white); border-left: 3px solid var(--brass); margin-bottom: 14px; border-radius: 0 4px 4px 0; position: relative; }
.process-steps h4 { font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; color: var(--navy); margin: 0 0 6px; }
.process-steps p { margin: 0; color: var(--ink-soft); font-size: 0.96rem; line-height: 1.55; }

/* FAQ items override for program pages */
.faq-list .faq-item { border-bottom: 1px solid var(--line); }
.faq-list .faq-item:first-child { border-top: 1px solid var(--line); }
.faq-list .faq-item summary { padding: 22px 40px 22px 0; font-family: var(--font-display); font-size: 1.1rem; font-weight: 500; color: var(--navy); cursor: pointer; list-style: none; position: relative; line-height: 1.4; }
.faq-list .faq-item summary::-webkit-details-marker { display: none; }
.faq-list .faq-item summary::after { content: "+"; position: absolute; right: 8px; top: 22px; font-size: 1.4rem; color: var(--brass); font-weight: 300; }
.faq-list .faq-item[open] summary::after { content: "−"; }
.faq-list .faq-answer { padding: 0 0 24px; }
.faq-list .faq-answer p { font-size: 1rem; line-height: 1.7; color: var(--ink); margin: 0; max-width: 720px; }

/* CTA band */
.cta-band { background: var(--navy); color: var(--parchment); padding: 56px 0; }
.cta-band-inner { text-align: center; max-width: 720px; margin: 0 auto; }
.cta-band h2 { font-family: var(--font-display); font-size: clamp(1.7rem, 3vw, 2.3rem); color: var(--parchment); margin: 0 0 12px; font-weight: 500; }
.cta-band p { color: rgba(246, 241, 231, 0.85); font-size: 1.05rem; line-height: 1.6; margin-bottom: 24px; }
.cta-band .hero-cta-row { justify-content: center; }
.cta-band .btn-outline, .cta-band a.btn-outline { background: transparent; border-color: var(--parchment); color: var(--parchment); }
.cta-band .btn-outline:hover, .cta-band a.btn-outline:hover { background: var(--parchment); color: var(--navy); border-color: var(--parchment); }

/* Related cards */
.related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.related-card { display: block; padding: 22px 24px; background: var(--white); border: 1px solid var(--line); border-radius: 4px; text-decoration: none; color: var(--ink); transition: all .2s ease; }
.related-card:hover { border-color: var(--brass); transform: translateY(-2px); box-shadow: 0 4px 14px rgba(11, 29, 51, 0.08); }
.related-card h4 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 600; color: var(--navy); margin: 0 0 8px; }
.related-card p { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.5; margin: 0; }
.related-card .related-cat { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--brass); font-weight: 600; margin-bottom: 6px; }
.related-card .related-time { font-size: 0.82rem; color: var(--ink-soft); margin-top: 10px; }

/* Guide article */
.guide-article { padding-bottom: 0; }
.guide-header { padding: 48px 0 32px; background: var(--parchment); border-bottom: 1px solid var(--line); }
.guide-header .breadcrumbs { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 16px; }
.guide-header .breadcrumbs a { color: var(--ink-soft); text-decoration: none; }
.guide-header .breadcrumbs a:hover { color: var(--brass); }
.guide-summary { font-size: 1.15rem; line-height: 1.6; color: var(--ink-soft); margin-top: 16px; max-width: 720px; font-style: italic; }
.guide-body { padding: 48px 0; }
.guide-section { margin-bottom: 48px; }
.guide-section h2 { font-family: var(--font-display); font-size: clamp(1.5rem, 2.6vw, 1.95rem); color: var(--navy); font-weight: 600; line-height: 1.25; margin: 0 0 18px; letter-spacing: -0.01em; }
.guide-section p { font-size: 1.04rem; line-height: 1.75; color: var(--ink); margin-bottom: 1.1rem; }
.guide-section p:last-child { margin-bottom: 0; }
.guide-section strong { color: var(--navy); font-weight: 600; }

/* Guides hub */
.guides-category-section { padding: 40px 0; border-bottom: 1px solid var(--line); }
.guides-category-section:last-child { border-bottom: none; }
.guides-category-section h2 { font-family: var(--font-display); font-size: 1.7rem; color: var(--navy); font-weight: 600; margin: 0 0 24px; }
.guides-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(310px, 1fr)); gap: 18px; }
.guide-card { display: block; padding: 26px; background: var(--white); border: 1px solid var(--line); border-radius: 6px; text-decoration: none; color: var(--ink); transition: all .2s ease; }
.guide-card:hover { border-color: var(--brass); transform: translateY(-2px); box-shadow: 0 4px 14px rgba(11, 29, 51, 0.08); }
.guide-card-cat { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--brass); font-weight: 600; margin-bottom: 10px; }
.guide-card h3 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; color: var(--navy); line-height: 1.3; margin: 0 0 10px; }
.guide-card-summary { font-size: 0.93rem; color: var(--ink-soft); line-height: 1.55; margin: 0 0 14px; }
.guide-card-cta { font-size: 0.85rem; color: var(--brass); font-weight: 600; }

/* Program hub */
.program-hub-section { padding: 40px 0; border-bottom: 1px solid var(--line); }
.program-hub-section:last-child { border-bottom: none; }
.program-hub-section h2 { font-family: var(--font-display); font-size: 1.7rem; color: var(--navy); font-weight: 600; margin: 0 0 24px; }
.program-hub-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; }
.program-card { display: block; padding: 24px; background: var(--white); border: 1px solid var(--line); border-radius: 6px; text-decoration: none; color: var(--ink); transition: all .2s ease; }
.program-card:hover { border-color: var(--brass); transform: translateY(-2px); box-shadow: 0 4px 14px rgba(11, 29, 51, 0.08); }
.program-card h3 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; color: var(--navy); margin: 0 0 8px; }
.program-card p { font-size: 0.93rem; color: var(--ink-soft); line-height: 1.55; margin: 0 0 14px; }
.program-card-cta { font-size: 0.85rem; color: var(--brass); font-weight: 600; }

/* Mobile */
@media (max-width: 900px) {
  .program-hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .program-sidebar { position: static; }
  .check-list { grid-template-columns: 1fr; }
  .program-hero .stat-row { grid-template-columns: 1fr 1fr 1fr; }
  .sidebar-trust { flex-direction: row; }
}
@media (max-width: 600px) {
  .program-hero .stat-row { grid-template-columns: 1fr; }
  .sidebar-trust { flex-direction: column; }
  .facts-table th, .facts-table td { padding: 10px 12px; font-size: 0.9rem; }
  .process-steps li { padding: 18px 18px 18px 22px; }
}

/* Homepage learning section hover */
.learning-section .guide-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(11,29,51,0.12);
  border-color: var(--brass) !important;
}

/* ============ CALCULATOR ============ */
.calc-shell {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(11,29,51,0.06);
}
.calc-tabs {
  display: flex;
  border-bottom: 1px solid var(--line);
  background: var(--parchment);
}
.calc-tab {
  flex: 1;
  background: none;
  border: none;
  padding: 1.25rem 1rem;
  font-family: 'Inter Tight', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: var(--ink-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all .2s;
}
.calc-tab:hover { color: var(--navy); }
.calc-tab.active {
  color: var(--navy);
  background: #fff;
  border-bottom-color: var(--brass);
}
.calc-panel { display: none; padding: 2.5rem; }
.calc-panel.active { display: block; }
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}
@media (max-width: 880px) {
  .calc-grid { grid-template-columns: 1fr; gap: 2rem; }
  .calc-panel { padding: 1.5rem; }
}
.calc-inputs h3, .calc-output h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.25rem;
  margin: 0 0 1.5rem;
  color: var(--navy);
}
.calc-field {
  display: block;
  margin-bottom: 1.5rem;
}
.calc-label {
  display: block;
  font-size: .875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .5rem;
}
.calc-input-wrap {
  position: relative;
  display: flex;
  align-items: center;
  background: var(--parchment);
  border: 1px solid var(--line);
  border-radius: 8px;
  transition: border-color .2s;
}
.calc-input-wrap:focus-within { border-color: var(--brass); }
.calc-input-wrap input,
.calc-field select {
  flex: 1;
  background: transparent;
  border: none;
  padding: .75rem 1rem;
  font-family: 'Inter Tight', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  width: 100%;
  outline: none;
}
.calc-field select {
  background: var(--parchment);
  border: 1px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
}
.calc-prefix, .calc-suffix {
  padding: 0 .75rem;
  color: var(--ink-muted);
  font-weight: 600;
  font-size: 1.05rem;
}
.calc-suffix { padding-right: 1rem; }
.calc-prefix { padding-left: 1rem; }
.calc-help {
  display: block;
  font-size: .8rem;
  color: var(--ink-muted);
  margin-top: .35rem;
}
input[type="range"] {
  width: 100%;
  margin-top: .5rem;
  accent-color: var(--brass);
}

.calc-output {
  background: var(--navy);
  color: var(--parchment);
  padding: 2rem;
  border-radius: 12px;
  margin: -2rem -2rem -2rem 0;
}
@media (max-width: 880px) { .calc-output { margin: 0; } }
.calc-output h3 { color: var(--parchment); }
.calc-big-number {
  font-family: 'Fraunces', serif;
  font-size: 3rem;
  font-weight: 600;
  color: var(--brass-bright, #d4a554);
  line-height: 1.1;
}
@media (max-width: 880px) { .calc-big-number { font-size: 2.25rem; } }
.calc-big-label {
  font-size: .9rem;
  color: rgba(246,241,231,0.7);
  margin: .25rem 0 1.5rem;
}
.calc-breakdown { margin: 1.5rem 0; }
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .6rem 0;
  font-size: .95rem;
  color: rgba(246,241,231,0.85);
  border-bottom: 1px solid rgba(246,241,231,0.1);
}
.calc-row strong {
  color: var(--parchment);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 2px;
  margin-right: .65rem;
  vertical-align: middle;
}
.dot-1 { background: #b8893a; }
.dot-2 { background: #5a8a9a; }
.dot-3 { background: #8a6b9a; }
.dot-4 { background: #c45656; }
.dot-5 { background: #6b8a5a; }
.calc-bar {
  display: flex;
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  margin: 1rem 0 1.5rem;
  background: rgba(246,241,231,0.1);
}
.calc-seg { height: 100%; transition: width .3s; }
.calc-seg.seg-1 { background: #b8893a; }
.calc-seg.seg-2 { background: #5a8a9a; }
.calc-seg.seg-3 { background: #8a6b9a; }
.calc-seg.seg-4 { background: #c45656; }
.calc-seg.seg-5 { background: #6b8a5a; }
.calc-summary {
  border-top: 1px solid rgba(246,241,231,0.15);
  padding-top: 1rem;
  font-size: .9rem;
}
.calc-summary > div {
  display: flex;
  justify-content: space-between;
  padding: .4rem 0;
}
.calc-summary-label { color: rgba(246,241,231,0.65); }
.calc-summary span:last-child {
  color: var(--parchment);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.calc-note {
  font-size: .8rem;
  color: rgba(246,241,231,0.6);
  margin: 1rem 0;
  line-height: 1.5;
}
.calc-cta {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  margin-top: 1.5rem;
}
.calc-cta .btn { width: 100%; text-align: center; justify-content: center; }

/* Amortization table */
.amort-scroll {
  max-height: 480px;
  overflow-y: auto;
  border: 1px solid rgba(246,241,231,0.15);
  border-radius: 8px;
}
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
}
.amort-table thead th {
  position: sticky;
  top: 0;
  background: rgba(11,29,51,0.95);
  color: var(--brass-bright, #d4a554);
  text-align: left;
  padding: .75rem 1rem;
  font-weight: 600;
  border-bottom: 1px solid rgba(246,241,231,0.15);
}
.amort-table td {
  padding: .6rem 1rem;
  color: rgba(246,241,231,0.9);
  border-bottom: 1px solid rgba(246,241,231,0.08);
  font-variant-numeric: tabular-nums;
}
.amort-table tr:nth-child(even) td { background: rgba(246,241,231,0.03); }

/* County pages */
.city-chips {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  margin: 1rem 0;
}
.city-chip {
  background: var(--parchment);
  border: 1px solid var(--line);
  padding: .35rem .85rem;
  border-radius: 999px;
  font-size: .85rem;
  font-weight: 500;
  color: var(--navy);
}
.region-heading {
  font-family: 'Fraunces', serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-top: 3rem;
  margin-bottom: 1.5rem;
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--brass);
}
.county-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
}
.county-card-link {
  display: block;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 1.25rem;
  text-decoration: none;
  color: inherit;
  transition: all .2s;
}
.county-card-link:hover {
  border-color: var(--brass);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(11,29,51,0.08);
}
.county-card-link h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.1rem;
  margin: 0 0 .35rem;
  color: var(--navy);
}
.county-meta {
  margin: 0;
  font-size: .8rem;
  color: var(--ink-muted);
}

/* ============ INSIGHTS / BLOG ============ */
.insights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}
.insight-card {
  display: block;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 1.75rem;
  text-decoration: none;
  color: inherit;
  transition: all .2s;
}
.insight-card:hover {
  border-color: var(--brass);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(11,29,51,0.1);
}
.insight-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.4rem;
  line-height: 1.25;
  color: var(--navy);
  margin: .5rem 0 .75rem;
}
.insight-card p {
  font-size: .95rem;
  color: var(--ink-muted);
  line-height: 1.55;
  margin: 0;
}
.insight-meta {
  font-size: .8rem;
  color: var(--brass);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin: 0 0 .5rem !important;
}
.insight-header {
  background: var(--parchment);
  padding: 3rem 0 2rem;
  border-bottom: 1px solid var(--line);
}
.insight-byline {
  font-size: .95rem;
  color: var(--ink-muted);
  margin-top: 1rem;
}
.insight-byline a {
  color: var(--navy);
  text-decoration: none;
  font-weight: 600;
}
.insight-byline a:hover { color: var(--brass); }
.dot-sep { margin: 0 .5rem; }
.insight-body {
  padding: 2.5rem 0 1rem;
}
.insight-body h2 {
  font-family: 'Fraunces', serif;
  font-size: 1.65rem;
  color: var(--navy);
  margin: 2.5rem 0 1rem;
  line-height: 1.25;
}
.insight-body p {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--ink);
  margin: 0 0 1.25rem;
}
.article-lede {
  font-size: 1.2rem !important;
  line-height: 1.6 !important;
  color: var(--navy) !important;
  font-weight: 500;
  padding: 1.5rem;
  background: var(--parchment);
  border-left: 4px solid var(--brass);
  border-radius: 0 8px 8px 0;
  margin-bottom: 2rem !important;
}

/* ============ TEAM ============ */
.team-hero-grid {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 2.5rem;
  align-items: center;
}
@media (max-width: 720px) {
  .team-hero-grid { grid-template-columns: 1fr; }
  .team-avatar { margin: 0 auto; }
}
.team-avatar {
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), #1a3050);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brass);
  font-family: 'Fraunces', serif;
  font-size: 4rem;
  font-weight: 600;
  border: 4px solid var(--brass);
  box-shadow: 0 8px 32px rgba(11,29,51,0.15);
}
.team-title {
  font-size: 1.1rem;
  color: var(--brass);
  font-weight: 600;
  margin: 0 0 1rem;
}
.team-testimonial {
  margin: 2.5rem 0;
  padding: 1.5rem 2rem;
  background: var(--parchment);
  border-left: 4px solid var(--brass);
  border-radius: 0 8px 8px 0;
  font-style: italic;
}
.team-testimonial p {
  font-size: 1.1rem;
  color: var(--navy);
  margin: 0 0 .75rem;
  line-height: 1.5;
}
.team-testimonial cite {
  font-size: .9rem;
  color: var(--ink-muted);
  font-style: normal;
  font-weight: 600;
}
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.team-card {
  display: block;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 2rem 1.5rem;
  text-align: center;
  text-decoration: none;
  color: inherit;
  transition: all .2s;
}
.team-card:hover {
  border-color: var(--brass);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(11,29,51,0.1);
}
.team-card-avatar {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), #1a3050);
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brass);
  font-family: 'Fraunces', serif;
  font-size: 1.75rem;
  font-weight: 600;
  border: 3px solid var(--brass);
}
.team-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.25rem;
  margin: 0 0 .25rem;
  color: var(--navy);
}
.team-card-title {
  font-size: .9rem;
  color: var(--brass);
  font-weight: 600;
  margin: 0 0 .75rem;
}
.team-card-stats {
  font-size: .85rem;
  color: var(--ink-muted);
  margin: 0 0 .5rem;
}
.team-card-specs {
  font-size: .85rem;
  color: var(--ink);
  margin: 0;
  line-height: 1.5;
}
.bullet-list {
  list-style: none;
  padding: 0;
}
.bullet-list li {
  padding: .5rem 0 .5rem 1.5rem;
  position: relative;
  border-bottom: 1px solid var(--line);
}
.bullet-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--brass);
  font-weight: 700;
}

/* ============ HOMEPAGE MINI CALCULATOR ============ */
.home-calc {
  max-width: 880px;
  margin: 2rem auto 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 2rem;
  box-shadow: 0 8px 32px rgba(11,29,51,0.08);
}
.home-calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}
@media (max-width: 720px) {
  .home-calc-grid { grid-template-columns: 1fr; }
  .home-calc { padding: 1.5rem; }
}
.home-calc-output {
  background: var(--navy);
  color: var(--parchment);
  padding: 1.5rem;
  border-radius: 12px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hc-label {
  font-size: .85rem;
  color: rgba(246,241,231,0.7);
  margin: 0 0 .25rem;
}
.hc-big {
  font-family: 'Fraunces', serif;
  font-size: 2.5rem;
  font-weight: 600;
  color: #d4a554;
  margin-bottom: 1rem;
  line-height: 1.1;
}
.hc-row {
  display: flex;
  justify-content: space-between;
  font-size: .9rem;
  padding: .4rem 0;
  border-bottom: 1px solid rgba(246,241,231,0.1);
  color: rgba(246,241,231,0.85);
}
.hc-row strong {
  color: var(--parchment);
  font-variant-numeric: tabular-nums;
}
.centered-cta {
  text-align: center;
  margin-top: 2rem;
}

/* Narrow dropdown variant for Learning/Service/About */
.dropdown-menu-narrow {
  min-width: 480px;
  grid-template-columns: 1fr 1fr;
}
@media (max-width: 880px) {
  .dropdown-menu-narrow { grid-template-columns: 1fr; min-width: auto; }
}

/* ============ FIX MISSING VARIABLES & CLASSES ============ */
:root {
  --ink-muted: #4b4b4b; /* alias for --ink-soft, used by phase 2 code */
}

/* Section background helpers used on homepage */
.section-parchment { background: var(--parchment-warm); }

/* Hero & layout classes used by phase 2 pages */
.hero-lede {
  font-size: 1.2rem;
  line-height: 1.65;
  color: var(--ink);
  max-width: 760px;
  margin: 8px 0 28px;
}
.section-lead {
  font-size: 1.1rem;
  line-height: 1.6;
  color: var(--ink-soft);
  max-width: 720px;
  margin: 0 0 32px;
}
.display-h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.2vw, 2.5rem);
  line-height: 1.15;
  color: var(--navy);
  font-weight: 600;
  letter-spacing: -0.01em;
  margin: 0 0 16px;
}
.display-h2 em {
  font-style: italic;
  font-weight: 300;
  color: var(--brass);
}
.narrow-content {
  max-width: 820px;
  margin: 0 auto;
}
.narrow-content h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 2.8vw, 2.2rem);
  color: var(--navy);
  font-weight: 600;
  margin: 2rem 0 1rem;
  line-height: 1.2;
}
.narrow-content h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--navy);
  font-weight: 600;
  margin: 1.5rem 0 .75rem;
}
.narrow-content p, .narrow-content li {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--ink);
}
.narrow-content ul, .narrow-content ol {
  margin: 0 0 1.25rem 1.25rem;
}
.narrow-content li {
  margin-bottom: .5rem;
}

/* Button groups */
.btn-group {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin: 1.5rem 0;
}

/* Stats strip used on county and team pages */
.stats-strip {
  background: var(--navy);
  color: var(--parchment);
  padding: 32px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
@media (max-width: 720px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}
.stats-strip .stat-tile {
  background: transparent;
  border: none;
  padding: 0;
  text-align: center;
}
.stats-strip .stat-num {
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 600;
  color: var(--brass-bright);
  display: block;
  line-height: 1.1;
}
.stats-strip .stat-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(246, 241, 231, 0.7);
  display: block;
  margin-top: 6px;
}

/* FAQ items used on phase 2 pages (non-details version) */
.faq-list .faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px 24px;
  margin-bottom: 12px;
}
.faq-list .faq-q {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy-deep);
  font-weight: 600;
  margin: 0 0 .65rem;
  line-height: 1.35;
}
.faq-list .faq-a {
  color: var(--ink);
  line-height: 1.65;
  font-size: 1rem;
  margin: 0;
}

/* Breadcrumb on phase 2 pages */
.breadcrumbs {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin-bottom: 16px;
}
.breadcrumbs a {
  color: var(--ink-soft);
  text-decoration: none;
}
.breadcrumbs a:hover { color: var(--brass); }
.breadcrumbs span { color: var(--navy); font-weight: 500; }

/* Make sure ALL main content has parchment under it */
main { background: var(--parchment); }

/* Phase 2 .program-section explicit white when not alt */
.program-section { background: var(--parchment); }

/* =====================================================================
   BRAND REFRESH — applies real logo + brand colors
   Appended overrides; loads after base styles so it wins
   ===================================================================== */

/* Logo image */
.brand,
a.brand {
  display: inline-flex;
  align-items: center;
  gap: 0;
  text-decoration: none;
}
.brand-logo {
  height: 44px;
  width: auto;
  max-width: 200px;
  display: block;
  object-fit: contain;
}
@media (max-width: 720px) {
  .brand-logo { height: 36px; max-width: 160px; }
}
.brand-footer .brand-logo {
  height: 56px;
  max-width: 220px;
  /* Logo is on white; on dark footer we wrap it in a chip so it stays visible */
  background: white;
  padding: 8px 14px;
  border-radius: 6px;
}

/* Site header — clean white, no parchment tint */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 0 rgba(32, 48, 128, 0.04);
}

/* Utility bar — brand-blue background */
.utility-bar {
  background: var(--brand-blue-dark);
  color: var(--white);
}
.utility-bar a { color: rgba(255,255,255,0.85); }
.utility-bar a:hover { color: var(--brand-orange-bright); }
.utility-bar strong { color: var(--brand-orange-bright); }
.utility-pill {
  color: rgba(255,255,255,0.85);
  background: rgba(255,255,255,0.06);
  padding: 4px 12px;
  border-radius: 999px;
  font-size: .78rem;
  border: 1px solid rgba(255,255,255,0.12);
}

/* Nav links */
.main-nav a { color: var(--brand-blue); font-weight: 500; }
.main-nav a:hover { color: var(--brand-orange); }
.main-nav .dropdown-menu {
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: 0 8px 32px rgba(32, 48, 128, 0.12);
  border-radius: 10px;
  padding: 18px 0;
}
.main-nav .dropdown-menu a:hover {
  background: var(--bg-tint);
  color: var(--brand-blue);
}
.main-nav .dropdown-menu h4 {
  font-family: var(--font-body);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--brand-orange);
  padding: 0 22px 6px;
}

/* Primary CTA button — brand orange (the action color from the logo) */
.nav-cta {
  background: var(--brand-orange) !important;
  color: var(--white) !important;
  padding: 11px 22px;
  border-radius: 8px;
  font-weight: 600 !important;
  box-shadow: 0 2px 8px rgba(240, 128, 48, 0.25);
  transition: all .2s ease;
}
.nav-cta:hover {
  background: var(--brand-orange-deep) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(240, 128, 48, 0.35);
}

/* Buttons */
.btn {
  border-radius: 8px;
  font-weight: 600;
  padding: 13px 26px;
  transition: all .2s ease;
}
.btn-primary {
  background: var(--brand-orange);
  color: var(--white);
  border: 1px solid var(--brand-orange);
  box-shadow: 0 2px 8px rgba(240, 128, 48, 0.22);
}
.btn-primary:hover {
  background: var(--brand-orange-deep);
  border-color: var(--brand-orange-deep);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(240, 128, 48, 0.32);
}
.btn-secondary {
  background: var(--brand-blue);
  color: var(--white);
  border: 1px solid var(--brand-blue);
}
.btn-secondary:hover {
  background: var(--brand-blue-deep);
  border-color: var(--brand-blue-deep);
  color: var(--white);
}
.btn-outline {
  background: var(--white);
  color: var(--brand-blue);
  border: 1px solid var(--brand-blue);
}
.btn-outline:hover {
  background: var(--brand-blue);
  color: var(--white);
}
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.4);
}
.btn-ghost:hover {
  background: var(--white);
  color: var(--brand-blue);
  border-color: var(--white);
}

/* Hero — clean light gradient with brand-blue accent */
.hero {
  background: linear-gradient(135deg, #f4f7fc 0%, #ffffff 50%, var(--brand-light-blue-soft) 100%);
  color: var(--ink);
  padding: 96px 0 110px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}
.hero::before {
  content: "";
  position: absolute;
  top: -120px;
  right: -120px;
  width: 480px;
  height: 480px;
  background: radial-gradient(circle, rgba(240,128,48,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -160px;
  left: -120px;
  width: 540px;
  height: 540px;
  background: radial-gradient(circle, rgba(32,48,128,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero h1 { color: var(--brand-blue); }
.hero h1 em {
  color: var(--brand-orange);
  font-style: italic;
  font-weight: 500;
}
.hero .lead { color: var(--ink-soft); }
.hero .eyebrow { color: var(--brand-orange); }
.hero .eyebrow::before { color: var(--brand-orange); }
.hero-trust { color: var(--ink-muted); }
.hero-trust strong {
  color: var(--brand-blue);
  font-family: var(--font-display);
  font-weight: 600;
}

/* Rate card */
.rate-card {
  background: var(--white);
  color: var(--ink);
  border-radius: 14px;
  box-shadow: 0 16px 48px rgba(32, 48, 128, 0.15);
  border: 1px solid var(--line);
}
.rate-card::before {
  background: linear-gradient(90deg, var(--brand-orange), var(--brand-orange-bright), var(--brand-orange));
  border-radius: 14px 14px 0 0;
}

/* CTA banner — brand-blue with orange accents */
.cta-banner {
  background: linear-gradient(135deg, var(--brand-blue-dark) 0%, var(--brand-blue) 100%);
  color: var(--white);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(240,128,48,0.20) 0%, transparent 70%);
  pointer-events: none;
}
.cta-banner h2 { color: var(--white); }
.cta-banner h2 em {
  color: var(--brand-orange-bright);
  font-style: italic;
  font-weight: 500;
}
.cta-banner p { color: rgba(255,255,255,0.85); }

/* Footer — brand-blue */
.site-footer {
  background: var(--brand-blue-dark);
  color: rgba(255,255,255,0.75);
  padding: 56px 0 24px;
}
.site-footer h4 {
  color: var(--brand-orange-bright);
  font-family: var(--font-body);
  font-size: .85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1rem;
}
.site-footer a {
  color: rgba(255,255,255,0.75);
  display: block;
  padding: 4px 0;
  font-size: .92rem;
  transition: color .2s;
}
.site-footer a:hover { color: var(--brand-orange-bright); }
.site-footer p { color: rgba(255,255,255,0.7); font-size: .9rem; line-height: 1.6; }
.site-footer strong { color: var(--white); font-weight: 600; }
.footer-bottom {
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.footer-bottom p {
  font-size: .8rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.5;
}

/* Program / section headers — keep clean */
.program-hero {
  background: linear-gradient(135deg, #f4f7fc 0%, #ffffff 100%);
  border-bottom: 1px solid var(--line);
}
.program-hero h1 { color: var(--brand-blue); }
.program-hero .display-h1 { color: var(--brand-blue); }
.program-hero .hero-lede {
  color: var(--ink-soft);
  font-size: 1.18rem;
  line-height: 1.65;
}
.eyebrow { color: var(--brand-orange); }
.section-parchment { background: var(--bg-soft); }

/* Generic h1/h2 — blue headlines */
h1, h2, h3, h4, h5 { color: var(--brand-blue); }
.display-h1, .display-h2 { color: var(--brand-blue); }
h2 em, .display-h2 em {
  color: var(--brand-orange);
  font-style: italic;
}

/* Stats strip */
.stats-strip {
  background: var(--bg-soft);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.stat-tile .stat-num {
  color: var(--brand-blue);
  font-family: var(--font-display);
  font-weight: 600;
}
.stat-tile .stat-label { color: var(--ink-muted); }

/* Program cards (loan programs grid) */
.program-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 1.75rem;
  text-decoration: none;
  display: block;
  transition: all .2s ease;
}
.program-card:hover {
  border-color: var(--brand-orange);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(32, 48, 128, 0.1);
}
.program-card h3 {
  color: var(--brand-blue);
  font-family: var(--font-display);
}
.program-card .arrow {
  color: var(--brand-orange);
  font-weight: 600;
  font-size: .9rem;
}

/* FAQ */
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  margin-bottom: .75rem;
}
.faq-q {
  color: var(--brand-blue);
  font-family: var(--font-display);
  font-size: 1.1rem;
  margin-bottom: .5rem;
}
.faq-a { color: var(--ink-soft); margin: 0; }

/* Tables */
.facts-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
}
.facts-table th, .facts-table td {
  padding: .8rem 1.1rem;
  text-align: left;
  border-bottom: 1px solid var(--line-soft);
}
.facts-table th {
  background: var(--bg-soft);
  color: var(--brand-blue);
  font-weight: 600;
  width: 50%;
}
.facts-table tr:last-child th,
.facts-table tr:last-child td { border-bottom: none; }

/* Breadcrumbs */
.breadcrumbs {
  font-size: .85rem;
  color: var(--ink-muted);
  margin-bottom: 1rem;
}
.breadcrumbs a {
  color: var(--ink-muted);
  text-decoration: none;
}
.breadcrumbs a:hover { color: var(--brand-orange); }
.breadcrumbs span { color: var(--brand-blue); font-weight: 600; }

/* Calculator output — brand blue panel */
.calc-output {
  background: linear-gradient(135deg, var(--brand-blue-dark) 0%, var(--brand-blue) 100%);
  border-radius: 12px;
}
.calc-big-number { color: var(--brand-orange-bright); }
.dot-1 { background: var(--brand-orange); }
.dot-2 { background: var(--brand-light-blue); }
.dot-3 { background: #8aa8d0; }
.dot-4 { background: #d96a1f; }
.dot-5 { background: #6a82c0; }
.calc-seg.seg-1 { background: var(--brand-orange); }
.calc-seg.seg-2 { background: var(--brand-light-blue); }
.calc-seg.seg-3 { background: #8aa8d0; }
.calc-seg.seg-4 { background: #d96a1f; }
.calc-seg.seg-5 { background: #6a82c0; }
.calc-tab.active {
  color: var(--brand-blue);
  border-bottom-color: var(--brand-orange);
}
.calc-tabs { background: var(--bg-soft); }
.calc-input-wrap { background: var(--bg-soft); border: 1px solid var(--line); }
.calc-input-wrap:focus-within { border-color: var(--brand-orange); }
.calc-input-wrap input,
.calc-field select { color: var(--brand-blue); }
.amort-table thead th {
  background: var(--brand-blue-dark);
  color: var(--brand-orange-bright);
}

/* Home mini-calc */
.home-calc-output {
  background: linear-gradient(135deg, var(--brand-blue-dark) 0%, var(--brand-blue) 100%);
}
.hc-big { color: var(--brand-orange-bright); }

/* Team */
.team-avatar,
.team-card-avatar {
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-deep));
  color: var(--brand-orange-bright);
  border: 4px solid var(--brand-orange);
}
.team-card-avatar { border-width: 3px; }
.team-card-title { color: var(--brand-orange); }
.team-title { color: var(--brand-orange); }
.team-testimonial { border-left-color: var(--brand-orange); }
.team-testimonial p { color: var(--brand-blue); }

/* Insights */
.insight-card {
  background: var(--white);
  border: 1px solid var(--line);
}
.insight-card:hover { border-color: var(--brand-orange); }
.insight-card h3 { color: var(--brand-blue); }
.insight-meta { color: var(--brand-orange) !important; }
.insight-header { background: var(--bg-soft); }
.insight-byline a { color: var(--brand-blue); }
.insight-byline a:hover { color: var(--brand-orange); }
.article-lede {
  background: var(--bg-soft) !important;
  border-left-color: var(--brand-orange) !important;
  color: var(--brand-blue) !important;
}

/* Counties index */
.county-card-link {
  background: var(--white);
  border: 1px solid var(--line);
}
.county-card-link:hover {
  border-color: var(--brand-orange);
  box-shadow: 0 8px 24px rgba(32, 48, 128, 0.08);
}
.county-card-link h3 { color: var(--brand-blue); }
.region-heading {
  color: var(--brand-blue);
  border-bottom-color: var(--brand-orange);
}
.city-chip {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  color: var(--brand-blue);
}

/* Bullet list checkmarks → orange */
.bullet-list li::before { color: var(--brand-orange); }

/* Section parchment override → soft tint instead of warm cream */
.section-parchment, [style*="background:var(--parchment)"] {
  background: var(--bg-soft) !important;
}

/* Backgrounds that were parchment in inline styles */
.program-section[style*="parchment"] { background: var(--bg-soft) !important; }

/* =====================================================================
   BRAND REFRESH PT 2 — nav layout fixes
   ===================================================================== */

/* Remove bullets from nav, render horizontally */
.main-nav .nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 1.6rem;
}
.main-nav .nav-list > li { margin: 0; padding: 0; }

/* Remove duplicate arrow — markup already has " ▾" in the link text,
   and CSS was adding another one. Kill the CSS version. */
.main-nav .dropdown > a::after { content: none; }

/* Dropdowns positioned correctly */
.main-nav .dropdown { position: relative; }
.main-nav .dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  min-width: 720px;
  padding: 24px;
  gap: 24px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all .2s ease;
  z-index: 999;
}
.dropdown-menu-narrow {
  grid-template-columns: repeat(2, 1fr);
  min-width: 460px;
}
.main-nav .dropdown:hover .dropdown-menu,
.main-nav .dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dd-col h4 {
  font-family: var(--font-body);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--brand-orange);
  margin-bottom: 8px;
  padding: 0;
}
.dd-col a {
  display: block;
  padding: 5px 0;
  font-size: .9rem;
  color: var(--brand-blue);
  font-weight: 400;
}
.dd-col a:hover { color: var(--brand-orange); }

/* Header layout — clean spacing */
.site-header .container,
.site-header .header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  gap: 24px;
}

/* Nav wraps better on smaller widescreens */
.main-nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
@media (max-width: 1100px) {
  .main-nav .nav-list { gap: 1.1rem; }
  .main-nav a { font-size: .88rem; }
}

/* Mobile nav */
@media (max-width: 920px) {
  .menu-toggle { display: block; background: transparent; border: 1px solid var(--brand-blue); color: var(--brand-blue); padding: 8px 12px; border-radius: 6px; cursor: pointer; font-size: 1.2rem; }
  .main-nav .nav-list { display: none; }
  .nav-cta { display: none; }
}

/* Footer grid */
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}
@media (max-width: 880px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 520px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-about { display: flex; flex-direction: column; gap: 8px; }
.footer-col { display: flex; flex-direction: column; }

/* Section spacing */
.section { padding: 80px 0; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 3rem; }
.section-head .eyebrow { display: inline-block; margin-bottom: .5rem; }
.section-head h2,
.section-head .display-h2 {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 3.6vw, 2.6rem);
  color: var(--brand-blue);
  margin-bottom: .75rem;
}
.section-lead {
  font-size: 1.1rem;
  color: var(--ink-soft);
  line-height: 1.65;
}

/* Narrow content for articles/guides */
.narrow-content {
  max-width: 760px;
  margin: 0 auto;
}
.program-section { padding: 70px 0; }
.programs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

/* Stats strip */
.stats-strip { padding: 28px 0; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 24px;
  text-align: center;
}
.stat-tile { display: flex; flex-direction: column; gap: 4px; }
.stat-tile .stat-num {
  font-size: 1.6rem;
  line-height: 1.1;
}
.stat-tile .stat-label {
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* CTA banner content */
.cta-banner h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  text-align: center;
  margin-bottom: 1rem;
}
.cta-banner p { text-align: center; max-width: 620px; margin: 0 auto 2rem; font-size: 1.1rem; }
.cta-banner .btn-group {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Btn-group on hero/program */
.btn-group { display: flex; gap: 12px; flex-wrap: wrap; }

/* Display heading utility */
.display-h1 {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.6vw, 3.6rem);
  font-weight: 500;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: var(--brand-blue);
  margin-bottom: 1.5rem;
}
.hero-lede {
  font-size: 1.18rem;
  line-height: 1.65;
  color: var(--ink-soft);
  margin-bottom: 2rem;
  max-width: 760px;
}

/* =====================================================================
   GEO ENHANCEMENT BLOCKS — Quick Answer, Scenarios, Definitions
   ===================================================================== */

/* Quick Answer Box */
.quick-answer {
  padding: 2.5rem 0;
  background: var(--bg-soft);
  border-bottom: 1px solid var(--line);
}
.answer-box {
  background: var(--white);
  border-left: 5px solid var(--brand-orange);
  border-radius: 0 12px 12px 0;
  padding: 1.5rem 2rem;
  box-shadow: 0 4px 16px rgba(32, 48, 128, 0.05);
}
.answer-tag {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--brand-orange);
  margin-bottom: .5rem;
}
.answer-text {
  font-size: 1.08rem;
  line-height: 1.65;
  color: var(--ink);
  margin: 0;
}
.answer-text strong { color: var(--brand-blue); }

/* Q&A Section */
.qa-section { background: var(--white); }
.qa-section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--brand-blue);
  margin-bottom: 1.5rem;
}
.qa-section h3 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--brand-blue);
  margin: 1.75rem 0 .5rem;
  line-height: 1.3;
}
.qa-section p {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--ink-soft);
  margin: 0 0 1rem;
}

/* Scenario box */
.scenario-section { background: var(--bg-soft); }
.scenario-box {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 1.75rem 2rem;
  box-shadow: 0 2px 12px rgba(32, 48, 128, 0.04);
}
.scenario-box p {
  margin: 0 0 .85rem;
  color: var(--ink-soft);
  line-height: 1.65;
}
.scenario-box p strong { color: var(--brand-blue); }
.scenario-box ul {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  background: var(--bg-soft);
  border-radius: 8px;
  padding: 1rem 1.25rem;
}
.scenario-box ul li {
  padding: .35rem 0;
  color: var(--ink);
  border-bottom: 1px solid var(--line-soft);
  font-size: .95rem;
}
.scenario-box ul li:last-child { border-bottom: none; }
.scenario-box ul li strong { color: var(--brand-blue); }

/* Definitions list */
.definitions-section { background: var(--white); padding: 60px 0; }
.definitions-section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--brand-blue);
  margin-bottom: 1.5rem;
}
.defs-list {
  display: grid;
  gap: 1.25rem;
}
.defs-list dt {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--brand-blue);
  margin-bottom: .25rem;
}
.defs-list dd {
  margin: 0 0 0 0;
  padding-left: 1rem;
  border-left: 3px solid var(--brand-orange);
  color: var(--ink-soft);
  line-height: 1.65;
  font-size: .98rem;
}

/* ============ SCENARIO EXAMPLES ============ */
.scenarios-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 880px) {
  .scenarios-grid { grid-template-columns: 1fr 1fr; }
}
.scenario-card {
  background: #fff;
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand-orange);
  border-radius: 10px;
  padding: 1.75rem;
}
.scenario-card h3 {
  font-family: var(--font-display);
  color: var(--brand-blue);
  font-size: 1.2rem;
  margin: 0 0 1rem;
  line-height: 1.3;
}
.scenario-buyer {
  background: var(--bg-soft);
  padding: 0.9rem 1.1rem;
  border-radius: 6px;
  margin: 0 0 1rem;
  font-size: 0.95rem;
  line-height: 1.5;
}
.scenario-details {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
}
.scenario-details li {
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.92rem;
  line-height: 1.55;
}
.scenario-details li:last-child { border-bottom: none; }
.scenario-details strong { color: var(--brand-blue); }
.scenario-outcome {
  background: rgba(240, 128, 48, 0.08);
  padding: 0.9rem 1.1rem;
  border-radius: 6px;
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.55;
}
.scenario-outcome strong { color: var(--brand-orange-deep); }

/* ============ DEFINED TERMS (inline glossary) ============ */
dfn {
  font-style: normal;
  border-bottom: 1px dotted var(--brand-orange);
  cursor: help;
  position: relative;
  transition: color .15s ease;
}
dfn:hover, dfn:focus {
  color: var(--brand-orange-deep);
  border-bottom-color: var(--brand-orange-deep);
}
/* Native HTML tooltip already shows on hover via title attribute,
   so no extra JS needed. Browsers, screen readers, and voice assistants
   all read the title text. */

/* ============ GLOSSARY ============ */
.glossary-toc {
  background: var(--bg-soft);
  padding: 1.75rem 2rem;
  border-radius: 12px;
  margin: 2rem 0 3rem;
  border-left: 4px solid var(--brand-orange);
}
.glossary-toc h2 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  margin: 0 0 1rem;
  color: var(--brand-blue);
}
.glossary-toc-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.4rem 1.5rem;
}
@media (max-width: 720px) {
  .glossary-toc-list { grid-template-columns: 1fr; }
}
.glossary-toc-list a {
  color: var(--brand-blue);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
  padding: 0.25rem 0;
  display: block;
  border-bottom: 1px solid var(--line-soft);
  transition: color 0.15s;
}
.glossary-toc-list a:hover {
  color: var(--brand-orange);
}
.glossary-section {
  margin: 2.5rem 0;
  padding-top: 1.5rem;
  border-top: 2px solid var(--brand-orange);
}
.glossary-section h2 {
  font-family: var(--font-display);
  font-size: 1.85rem;
  color: var(--brand-blue);
  margin: 0 0 1.5rem;
}
.glossary-terms {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.glossary-term {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  scroll-margin-top: 100px;
}
.glossary-term h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--brand-blue);
  margin: 0 0 0.5rem;
  line-height: 1.3;
}
.glossary-term p {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--ink-soft);
  margin: 0;
}

/* ============ TESTIMONIALS ============ */
.testimonials-section {
  background: linear-gradient(180deg, var(--bg-soft) 0%, #ffffff 100%);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) {
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1100px) {
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
}
.testimonial-card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 4px solid var(--brand-orange);
  border-radius: 12px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  transition: box-shadow .2s ease, transform .2s ease;
}
.testimonial-card:hover {
  box-shadow: 0 10px 30px rgba(32, 48, 128, 0.08);
  transform: translateY(-2px);
}
.testimonial-head {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.testimonial-avatar {
  width: 60px;
  height: 60px;
  flex-shrink: 0;
}
.testimonial-rating {
  color: var(--brand-orange);
  font-size: 1rem;
  letter-spacing: 2px;
  margin: 0;
  line-height: 1;
}
.testimonial-name {
  font-weight: 600;
  color: var(--brand-blue);
  margin: 0.3rem 0 0;
  font-size: 0.95rem;
}
.testimonial-loc {
  color: var(--ink-muted);
  font-weight: 400;
  font-size: 0.88rem;
}
.testimonial-meta {
  font-size: 0.8rem;
  color: var(--ink-muted);
  margin: 0.25rem 0 0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.testimonial-headline {
  font-family: var(--font-display);
  color: var(--brand-blue);
  font-size: 1.1rem;
  line-height: 1.35;
  margin: 0;
}
.testimonial-quote {
  font-size: 0.97rem;
  line-height: 1.6;
  color: var(--ink);
  margin: 0;
  padding: 0;
  border: none;
  font-style: italic;
  position: relative;
}
.testimonial-quote::before {
  content: "“";
  position: absolute;
  font-family: var(--font-display);
  font-size: 3rem;
  color: var(--brand-orange);
  opacity: 0.25;
  top: -12px;
  left: -8px;
  line-height: 1;
}

/* ============ BEAT BANK QUOTE PAGE ============ */
.beat-quote-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
@media (min-width: 980px) {
  .beat-quote-grid { grid-template-columns: 1.8fr 1fr; }
}

.beat-quote-form {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 2rem;
}
.beat-quote-form h2 {
  font-family: var(--font-display);
  color: var(--brand-blue);
  margin: 0 0 1.5rem;
}
.quote-match-form fieldset {
  border: none;
  border-top: 1px solid var(--line);
  padding: 1.5rem 0;
  margin: 0;
}
.quote-match-form fieldset:first-of-type { border-top: none; padding-top: 0; }
.quote-match-form legend {
  font-family: var(--font-display);
  color: var(--brand-orange);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 0 0 1rem;
}
.quote-match-form label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 1rem;
  position: relative;
}
.quote-match-form input,
.quote-match-form select {
  display: block;
  width: 100%;
  margin-top: 0.4rem;
  padding: 0.7rem 0.85rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 400;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
  color: var(--ink);
}
.quote-match-form input:focus,
.quote-match-form select:focus {
  outline: none;
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 3px rgba(32, 48, 128, 0.12);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 600px) {
  .form-row { grid-template-columns: 1fr 1fr; }
}
.input-suffix {
  position: absolute;
  right: 12px;
  top: 41px;
  color: var(--ink-muted);
  font-weight: 400;
  font-size: 0.85rem;
}
.upload-label input[type="file"] {
  border: 1px dashed var(--line);
  padding: 0.85rem;
  background: var(--bg-soft);
}
.upload-help {
  display: block;
  font-size: 0.78rem;
  color: var(--ink-muted);
  margin-top: 0.4rem;
  font-weight: 400;
}
.checkbox-row {
  display: flex !important;
  align-items: flex-start;
  gap: 0.7rem;
  font-weight: 400 !important;
  font-size: 0.85rem !important;
  line-height: 1.5;
}
.checkbox-row input[type="checkbox"] {
  width: auto !important;
  margin-top: 0.2rem;
}
.btn-block {
  display: block;
  width: 100%;
  text-align: center;
  margin-top: 1rem;
}
.form-disclaimer {
  font-size: 0.78rem;
  color: var(--ink-muted);
  margin-top: 0.85rem;
  line-height: 1.5;
}

.beat-quote-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.sidebar-card {
  background: #fff;
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand-orange);
  border-radius: 10px;
  padding: 1.5rem;
}
.sidebar-card h3 {
  font-family: var(--font-display);
  color: var(--brand-blue);
  font-size: 1.05rem;
  margin: 0 0 0.85rem;
}
.sidebar-card p {
  font-size: 0.9rem;
  line-height: 1.55;
  color: var(--ink);
  margin: 0 0 0.85rem;
}
.sidebar-stats {
  background: var(--brand-blue);
  border-left-color: var(--brand-orange);
  color: #fff;
}
.sidebar-stats h3 { color: #fff; }
.stat-list {
  margin: 0;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.5rem 1rem;
  align-items: baseline;
}
.stat-list dt {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.85);
}
.stat-list dd {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.15rem;
  color: var(--brand-orange);
  margin: 0;
}
.sidebar-fine {
  color: rgba(255, 255, 255, 0.7) !important;
  font-size: 0.75rem !important;
  margin-top: 0.85rem !important;
  font-style: italic;
}
.sidebar-cta { background: var(--bg-soft); }

/* ============ DFN MOBILE TOOLTIP ============ */
dfn[tabindex] {
  outline: none;
}
dfn[tabindex]:focus-visible {
  outline: 2px solid var(--brand-orange);
  outline-offset: 2px;
  border-radius: 2px;
}
.dfn-tooltip {
  position: absolute;
  z-index: 9999;
  background: var(--brand-blue);
  color: #ffffff;
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 400;
  line-height: 1.5;
  padding: 0.7rem 0.95rem;
  border-radius: 8px;
  box-shadow: 0 8px 24px rgba(32, 48, 128, 0.25);
  max-width: 320px;
  pointer-events: none; /* avoid stealing taps unless we need to */
  animation: dfn-fade-in 0.15s ease-out;
}
.dfn-tooltip::after {
  content: "";
  position: absolute;
  bottom: -6px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 12px;
  height: 12px;
  background: var(--brand-blue);
}
.dfn-tooltip.tooltip-below::after {
  bottom: auto;
  top: -6px;
}
@keyframes dfn-fade-in {
  from { opacity: 0; transform: translateY(4px); }
  to   { opacity: 1; transform: translateY(0); }
}
@media (max-width: 480px) {
  .dfn-tooltip { max-width: calc(100vw - 32px); }
}


/* Rate-tile collapsible disclosures */
.rate-tile-details > summary { list-style: none; }
.rate-tile-details > summary::-webkit-details-marker { display: none; }
.rate-tile-details > summary::marker { display: none; }
.rate-tile-details > summary:hover { text-decoration: underline; }
.rate-tile-details[open] > summary { margin-bottom: .25rem; }

/* Collapsible disclosure arrow toggle */
.rate-tile-details > summary .rt-arrow::before { content: '\25B8'; font-size: .85em; }
.rate-tile-details[open] > summary .rt-arrow::before { content: '\25BE'; }