/* Anne Bell — Mortgage Advisor
   Warm editorial. Navy + terracotta + ivory. */

:root {
  /* Base surfaces */
  --paper:       #F7F3EC;   /* primary background — warm ivory */
  --snow:        #FCF9F3;   /* alt-section background */
  --blush:       #EAD9C6;   /* warm peach-sand for accent strips */
  --white:       #FFFFFF;

  /* Deep anchors — ink navy */
  --forest:      #0F1E3C;   /* deep ink navy (kept var name) */
  --forest-soft: #1C2E52;
  --moss:        #23365E;   /* softer navy for hover */
  --midnight:    #0F1E3C;   /* alias for deep sections */
  --sage:        #DFD7C9;   /* warm ivory-stone border (kept var name) */
  --sage-soft:   #EBE5D8;   /* whisper ivory tint */

  /* Warm accent — terracotta */
  --clay:        #B36A4A;   /* terracotta */
  --clay-deep:   #8F4E32;   /* darker terracotta */
  --clay-soft:   #EED5BF;   /* soft peach tint */

  /* Text */
  --ink-text:    #1A2238;   /* warm near-black with navy undertone */
  --ink-soft:    #364056;
  --muted:       #6E7689;
  --line:        #DFD7C9;   /* warm hairline */

  /* Elevation */
  --shadow-sm:   0 2px 10px rgba(15,30,60,.06);
  --shadow-md:   0 14px 38px rgba(15,30,60,.10);
  --shadow-lg:   0 28px 70px rgba(15,30,60,.14);

  --radius:      6px;
  --radius-lg:   18px;
  --radius-xl:   28px;
  --max:         1200px;

  /* Typography */
  --f-display:   'Cormorant Garamond', Georgia, 'Times New Roman', serif;
  --f-sans:      'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* ---------- Reset & base ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--f-sans);
  font-size: 16.5px;
  line-height: 1.65;
  color: var(--ink-text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  /* Subtle warm wash */
  background-image:
    radial-gradient(ellipse 60% 40% at 85% 0%, rgba(179,106,74,.08), transparent 60%),
    radial-gradient(ellipse 50% 35% at 0% 100%, rgba(234,217,198,.35), transparent 65%);
  background-attachment: fixed;
}
img { max-width: 100%; display: block; }
a { color: var(--forest); text-decoration: none; transition: color .2s; }
a:hover { color: var(--clay-deep); }
::selection { background: var(--clay-soft); color: var(--forest); }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--f-display); color: var(--ink-text);
  font-weight: 500; letter-spacing: -.01em;
}
h1 {
  font-size: clamp(2.5rem, 5.4vw, 4.4rem);
  line-height: 1.05;
  letter-spacing: -.02em;
  font-weight: 500;
}
h2 {
  font-size: clamp(2rem, 3.6vw, 3rem);
  line-height: 1.15;
  font-weight: 500;
  letter-spacing: -.015em;
}
h3 { font-size: clamp(1.3rem, 2vw, 1.55rem); line-height: 1.3; font-weight: 600; }
h4 {
  font-family: var(--f-sans); font-size: .78rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase; color: var(--forest);
}
p { margin-bottom: 1rem; }
.lead {
  font-size: clamp(1.08rem, 1.4vw, 1.22rem);
  color: var(--ink-soft); line-height: 1.6; font-weight: 400;
}
.eyebrow {
  font-family: var(--f-sans); font-size: .74rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase;
  color: var(--forest); margin-bottom: 1.15rem; display: inline-flex;
  align-items: center; gap: 10px;
}
.eyebrow::before {
  content: ''; width: 28px; height: 1px; background: var(--forest);
}

/* ---------- Layout ---------- */
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 28px; }
section { padding: clamp(56px, 7vw, 96px) 0; position: relative; }
.section-alt { background: var(--snow); }
.section-forest {
  background: var(--midnight); color: var(--sage-soft);
  position: relative; overflow: hidden;
}
.section-forest::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 40% 60% at 90% 20%, rgba(179,106,74,.18), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 90%, rgba(234,217,198,.10), transparent 60%);
  pointer-events: none;
}
.section-forest > * { position: relative; }
.section-forest h1, .section-forest h2, .section-forest h3 { color: var(--snow); }
.section-forest .eyebrow { color: var(--clay-soft); }
.section-forest .eyebrow::before { background: var(--clay-soft); }

/* Legacy class alias for philosophy section (keeps existing HTML working) */
.section-ink { background: var(--midnight); color: var(--sage-soft); position: relative; overflow: hidden; }
.section-ink::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 40% 60% at 90% 20%, rgba(179,106,74,.18), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 90%, rgba(234,217,198,.10), transparent 60%);
  pointer-events: none;
}
.section-ink > * { position: relative; }
.section-ink h1, .section-ink h2, .section-ink h3 { color: var(--snow); }
.section-ink .eyebrow { color: var(--clay-soft); }
.section-ink .eyebrow::before { background: var(--clay-soft); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247,243,236,.88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid rgba(15,30,60,.08);
  transition: background .3s, border-color .3s;
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  max-width: var(--max); margin: 0 auto; padding: 20px 28px;
}
.brand { display: flex; align-items: baseline; gap: 12px; flex-shrink: 0; white-space: nowrap; }
.brand-name {
  font-family: var(--f-display); font-size: 1.75rem; font-weight: 500;
  color: var(--ink-text); letter-spacing: -.01em;
  white-space: nowrap;
}
.brand-sub {
  font-size: .68rem; letter-spacing: .22em; text-transform: uppercase;
  color: var(--muted); font-weight: 500;
  white-space: nowrap;
}
.nav-links { display: flex; gap: 28px; align-items: center; list-style: none; flex-wrap: nowrap; }
.nav-links li { white-space: nowrap; }
.nav-links a {
  font-size: .92rem; color: var(--forest); font-weight: 500;
  position: relative; padding: 4px 0;
}
.nav-links a:not(.btn-nav):hover { color: var(--clay-deep); }
.nav-links a:not(.btn-nav)::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 1px; background: var(--clay);
  transform: scaleX(0); transform-origin: left;
  transition: transform .3s ease;
}
.nav-links a:not(.btn-nav):hover::after { transform: scaleX(1); }
.nav-links .btn-nav {
  background: var(--forest); color: var(--paper);
  padding: 11px 22px; border-radius: 999px;
  font-size: .88rem; font-weight: 500; letter-spacing: .01em;
}
.nav-links .btn-nav:hover { background: var(--clay-deep); color: var(--white); }
.nav-links .btn-nav::after { display: none; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span {
  display: block; width: 22px; height: 2px; background: var(--forest);
  margin: 5px 0; transition: .2s;
}

/* Hide brand-sub at mid widths to prevent crowding */
@media (max-width: 1080px) {
  .nav-links { gap: 22px; }
  .nav-links a { font-size: .88rem; }
  .brand-sub { display: none; }
}

@media (max-width: 980px) {
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--paper); flex-direction: column; gap: 0;
    border-bottom: 1px solid var(--line);
    max-height: 0; overflow: hidden; transition: max-height .3s;
  }
  .nav-links.open { max-height: 560px; }
  .nav-links li { width: 100%; border-top: 1px solid var(--line); white-space: normal; }
  .nav-links a { display: block; padding: 16px 28px; font-size: .95rem; }
  .nav-links .btn-nav { margin: 16px 28px; display: inline-block; }
  .nav-toggle { display: block; }
  .brand-sub { display: inline; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 15px 30px;
  font-family: var(--f-sans); font-size: .95rem; font-weight: 500;
  letter-spacing: .01em; border-radius: 999px; cursor: pointer;
  border: 1px solid transparent; transition: all .25s ease;
  text-decoration: none; line-height: 1;
}
.btn-primary { background: var(--forest); color: var(--paper); }
.btn-primary:hover {
  background: var(--clay-deep); color: var(--white);
  transform: translateY(-1px); box-shadow: var(--shadow-md);
}
.btn-accent { background: var(--clay); color: var(--white); }
.btn-accent:hover {
  background: var(--clay-deep); color: var(--white);
  transform: translateY(-1px); box-shadow: var(--shadow-md);
}
.btn-outline {
  background: transparent; color: var(--forest); border-color: var(--forest);
}
.btn-outline:hover { background: var(--forest); color: var(--paper); }
.section-forest .btn-outline, .section-ink .btn-outline {
  color: var(--snow); border-color: rgba(251,248,242,.5);
}
.section-forest .btn-outline:hover, .section-ink .btn-outline:hover {
  background: var(--snow); color: var(--forest); border-color: var(--snow);
}
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.micro-cta {
  display: block; margin-top: 14px; font-size: .85rem;
  color: var(--muted); font-style: italic;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: clamp(64px, 8vw, 104px) 0 clamp(64px, 8vw, 104px);
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 50% 70% at 85% 15%, rgba(179,106,74,.12), transparent 65%),
    radial-gradient(ellipse 40% 50% at 10% 90%, rgba(234,217,198,.45), transparent 65%);
  pointer-events: none;
}
.hero > * { position: relative; }
.hero-grid {
  display: grid; grid-template-columns: 1.15fr 1fr;
  gap: clamp(48px, 7vw, 96px); align-items: center;
}
.hero-text h1 { margin-bottom: 26px; }
.hero-text .lead { margin-bottom: 34px; max-width: 560px; }
.hero-cred {
  margin-top: 32px; padding-top: 26px;
  border-top: 1px solid var(--line);
  font-size: .96rem; color: var(--ink-soft);
}
.hero-cred strong { color: var(--forest); font-weight: 600; }

/* Hero contact card — Dustin-style */
.hero-card {
  background: #FFFFFF;
  border: 1px solid rgba(15, 30, 60, 0.08);
  border-radius: var(--radius-lg);
  padding: 36px 28px 28px;
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  align-self: start;
  position: relative;
}
.hero-card-photo {
  width: 132px;
  height: 132px;
  border-radius: 50%;
  overflow: hidden;
  border: 4px solid var(--paper);
  box-shadow: 0 4px 18px rgba(15, 30, 60, 0.12);
  margin-bottom: 22px;
  background: var(--paper);
  flex-shrink: 0;
}
.hero-card-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
}
.hero-card-name {
  font-family: var(--f-display);
  font-size: 1.7rem;
  font-weight: 600;
  color: var(--ink-text);
  letter-spacing: -.01em;
  line-height: 1.15;
  margin: 0 0 6px 0;
  white-space: nowrap;
}
.hero-card-title {
  font-family: var(--f-sans);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--clay);
  margin: 0 0 24px 0;
  white-space: nowrap;
}
.hero-card-creds {
  list-style: none;
  padding: 0;
  margin: 0 0 22px 0;
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 12px;
  text-align: left;
}
.hero-card-creds li {
  display: grid;
  grid-template-columns: 28px 1fr;
  align-items: center;
  column-gap: 12px;
  font-size: .88rem;
  color: var(--ink-soft);
  line-height: 1.4;
  min-width: 0;
}
.hero-card-creds li > a,
.hero-card-creds li > span:not(.hero-card-cred-icon) {
  min-width: 0;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.hero-card-creds a {
  color: inherit;
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color .18s ease, color .18s ease;
}
.hero-card-creds a:hover {
  color: var(--forest);
  border-color: var(--clay);
}
.hero-card-cred-icon {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  background: rgba(179, 106, 74, 0.08);
  border: 1px solid rgba(179, 106, 74, 0.18);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--clay);
  flex-shrink: 0;
}
.hero-card-cta {
  width: 100%;
  text-align: center;
  justify-content: center;
  display: inline-flex;
  align-items: center;
}
.hero-card-divider {
  height: 1px;
  width: 100%;
  background: rgba(15, 30, 60, 0.08);
  margin: 22px 0 18px;
}
.hero-card-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px;
}
.hero-card-badges .badge {
  font-family: var(--f-sans);
  font-size: .64rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 5px 9px;
  border-radius: 4px;
  background: rgba(15, 30, 60, 0.05);
  border: 1px solid rgba(15, 30, 60, 0.1);
  color: var(--ink-soft);
}
.hero-card-badges .badge.accent {
  background: rgba(179, 106, 74, 0.1);
  border-color: rgba(179, 106, 74, 0.3);
  color: var(--clay);
}

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 420px; margin: 0 auto; width: 100%; }
}

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--blush);
  padding: 48px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
}
.trust-inner {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 40px; align-items: center;
}
.trust-item { text-align: center; position: relative; }
.trust-item + .trust-item::before {
  content: ''; position: absolute; left: -20px; top: 50%;
  width: 1px; height: 46px; background: rgba(43,62,51,.12);
  transform: translateY(-50%);
}
.trust-num {
  font-family: var(--f-display); font-size: 2.8rem;
  color: var(--ink-text); line-height: 1; margin-bottom: 8px;
  font-weight: 500; letter-spacing: -.015em;
}
.trust-label {
  font-size: .78rem; letter-spacing: .14em; text-transform: uppercase;
  color: var(--moss); font-weight: 500;
}
@media (max-width: 720px) {
  .trust-item + .trust-item::before { display: none; }
}

/* ---------- Sections ---------- */
.section-head { max-width: 780px; margin-bottom: 64px; }
.section-head.center { margin: 0 auto 64px; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head h2 { margin-bottom: 20px; }

/* ---------- Reviews / quotes ---------- */
.quotes {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 26px;
  margin-bottom: 40px;
}
.quote {
  background: var(--white); padding: 34px 30px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
  position: relative;
  transition: transform .25s, box-shadow .25s;
}
.quote:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.quote::before {
  content: '\201C';
  position: absolute; top: 12px; left: 20px;
  font-family: var(--f-display); font-size: 4rem;
  color: var(--clay-soft); line-height: 1;
  z-index: 0;
}
.quote p {
  font-family: var(--f-display); font-size: 1.22rem; line-height: 1.5;
  color: var(--ink-text); font-style: italic;
  font-weight: 500; letter-spacing: -.005em;
  margin-bottom: 0; position: relative;
}
.quote .stars {
  color: var(--clay); margin-bottom: 14px;
  font-size: .9rem; letter-spacing: 3px; position: relative;
}
.review-link {
  display: inline-flex; align-items: center; gap: 10px;
  margin-top: 8px; color: var(--forest); font-size: .94rem;
  font-weight: 500; padding: 12px 0;
  border-bottom: 1px solid var(--forest);
  transition: all .25s;
}
.review-link:hover {
  color: var(--clay-deep); border-color: var(--clay-deep);
  gap: 14px;
}

/* ---------- Approach / process ---------- */
.steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 36px; counter-reset: step;
}
.step {
  padding: 32px 0 0;
  border-top: 2px solid var(--sage);
  counter-increment: step;
  position: relative;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  display: block; font-family: var(--f-display);
  font-size: 1.8rem; color: var(--forest);
  margin-bottom: 16px; font-weight: 500;
  letter-spacing: .01em;
}
.step h3 { font-size: 1.3rem; margin-bottom: 12px; }
.step p { font-size: .96rem; color: var(--ink-soft); margin-bottom: 0; }

/* ---------- Value pillars ---------- */
.pillars {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
}
.pillar {
  padding: 40px 34px; background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  transition: transform .3s, box-shadow .3s, border-color .3s;
  position: relative;
}
.pillar:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--sage);
}
.pillar .icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--sage-soft);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px; color: var(--forest);
  transition: background .3s;
}
.pillar:hover .icon { background: var(--clay-soft); color: var(--clay-deep); }
.pillar h3 { font-size: 1.25rem; margin-bottom: 12px; }
.pillar p { color: var(--ink-soft); margin-bottom: 0; font-size: .96rem; }

/* ---------- Who I work with (segments grid) ---------- */
.segments {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 22px;
}
.segment {
  display: block; padding: 34px 30px;
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  transition: all .3s;
  position: relative; overflow: hidden;
  color: var(--ink-text);
}
.segment::after {
  content: '→'; position: absolute; top: 34px; right: 30px;
  font-size: 1.3rem; color: var(--clay);
  transition: transform .3s;
}
.segment::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px; background: var(--clay);
  transform: scaleY(0); transform-origin: top;
  transition: transform .3s ease;
}
.segment:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--sage);
  color: var(--ink-text);
}
.segment:hover::after { transform: translateX(4px); color: var(--clay-deep); }
.segment:hover::before { transform: scaleY(1); }
.segment h3 {
  font-size: 1.25rem; margin-bottom: 10px;
  padding-right: 40px; color: var(--ink-text);
}
.segment p { color: var(--ink-soft); margin-bottom: 0; font-size: .94rem; }

/* ---------- Programs (on dark/forest section) ---------- */
.programs {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px;
}
.program {
  padding: 22px; background: rgba(251,248,242,.06);
  border: 1px solid rgba(251,248,242,.14);
  border-radius: var(--radius); text-align: center; font-size: .95rem;
  transition: background .25s, border-color .25s;
}
.program:hover {
  background: rgba(251,248,242,.12);
  border-color: rgba(201,137,104,.5);
}

/* ---------- Philosophy / quote block ---------- */
.philosophy {
  text-align: center; max-width: 860px; margin: 0 auto;
  position: relative;
}
.philosophy blockquote {
  font-family: var(--f-display);
  font-size: clamp(1.6rem, 2.8vw, 2.3rem);
  line-height: 1.35; color: var(--snow);
  font-weight: 500; font-style: italic;
  letter-spacing: -.01em;
  margin: 0 0 28px;
}
.philosophy cite {
  font-family: var(--f-sans); font-style: normal;
  font-size: .82rem; letter-spacing: .18em; text-transform: uppercase;
  color: var(--clay-soft); font-weight: 500;
}

/* ---------- About ---------- */
.about-grid {
  display: grid; grid-template-columns: 1fr 1.3fr;
  gap: clamp(44px, 7vw, 88px); align-items: start;
}
.about-grid .about-photo {
  width: 100%;
  height: auto;
  max-height: 640px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  aspect-ratio: 4/5;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}
@media (max-width: 980px) { .about-grid { grid-template-columns: 1fr; } }

/* ---------- Contact / form ---------- */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.1fr;
  gap: clamp(40px, 6vw, 72px); align-items: start;
}
.contact-info h2 { margin-bottom: 22px; }
.contact-info .lead { margin-bottom: 32px; }
.contact-list { list-style: none; margin: 24px 0 0; }
.contact-list li {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 16px 0; border-top: 1px solid var(--line);
  font-size: .96rem;
}
.contact-list li:last-child { border-bottom: 1px solid var(--line); }
.contact-list .label {
  font-size: .68rem; letter-spacing: .18em; text-transform: uppercase;
  color: var(--muted); min-width: 82px; padding-top: 4px; font-weight: 600;
}
.contact-list .label.label-prominent {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: .08em;
  padding-top: 6px;
}
@media (max-width: 560px) {
  .contact-list .label.label-prominent { font-size: .95rem; }
}
.contact-list strong { color: var(--forest); font-weight: 600; }

.form {
  background: var(--white); padding: 44px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--line);
}
.form h3 { font-size: 1.5rem; margin-bottom: 8px; }
.form-sub { font-size: .92rem; color: var(--muted); margin-bottom: 28px; }
.field { margin-bottom: 20px; }
.field label {
  display: block; font-size: .72rem; letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--moss); margin-bottom: 8px; font-weight: 600;
}
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 16px;
  font-family: inherit; font-size: .98rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--snow); color: var(--ink-text);
  transition: border-color .2s, background .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--forest);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(43,62,51,.08);
}
.field textarea { min-height: 110px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.form .btn { width: 100%; justify-content: center; margin-top: 10px; }
.form-note { font-size: .78rem; color: var(--muted); margin-top: 16px; text-align: center; }

@media (max-width: 980px) { .contact-grid { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.footer {
  background: var(--midnight); color: var(--sage-soft);
  padding: 72px 0 36px; font-size: .9rem;
  position: relative;
}
.footer::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 40% 50% at 90% 0%, rgba(179,106,74,.18), transparent 60%);
  pointer-events: none;
}
.footer > * { position: relative; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr;
  gap: 44px; margin-bottom: 44px;
}
.footer-grid h5 {
  font-family: var(--f-sans); font-size: .78rem; letter-spacing: .18em;
  text-transform: uppercase; color: var(--snow);
  margin-bottom: 18px; font-weight: 600;
}
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 11px; }
.footer-grid a { color: var(--sage-soft); }
.footer-grid a:hover { color: var(--clay-soft); }
.footer-brand {
  font-family: var(--f-display); font-size: 1.75rem;
  color: var(--snow); margin-bottom: 14px;
  font-weight: 500; letter-spacing: -.01em;
}
.segment:hover h3 { color: var(--forest); }
.footer-legal {
  border-top: 1px solid rgba(251,248,242,.14);
  padding-top: 26px; font-size: .76rem;
  line-height: 1.7; color: rgba(212,220,206,.72);
}
.footer-legal p { margin-bottom: 6px; }
.footer-legal .footer-links { margin: 12px 0; }
.footer-legal .footer-links a {
  color: var(--sage-soft); text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(212,220,206,.4);
}
.footer-legal .footer-links a:hover {
  color: var(--clay-soft);
  text-decoration-color: var(--clay-soft);
}
.footer-disclaimer-long {
  margin-top: 20px; padding-top: 18px;
  border-top: 1px solid rgba(251,248,242,.08);
  font-size: .69rem; line-height: 1.65;
  color: rgba(212,220,206,.55);
}
.eho {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 10px; font-size: .74rem;
}
.eho-box {
  width: 18px; height: 18px;
  border: 1.5px solid rgba(212,220,206,.55);
  display: flex; align-items: center; justify-content: center;
  font-size: .6rem;
}
@media (max-width: 720px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px 20px; } .footer-grid > div:first-child { grid-column: 1 / -1; } }
@media (max-width: 420px) { .footer-grid { grid-template-columns: 1fr; } .footer-grid > div:first-child { grid-column: auto; } }

/* ---------- Sub-page hero ---------- */
.subhero {
  padding: clamp(84px, 10vw, 144px) 0 clamp(44px, 6vw, 84px);
  position: relative; overflow: hidden;
  border-bottom: 1px solid var(--line);
}
.subhero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 40% 60% at 80% 20%, rgba(179,106,74,.12), transparent 60%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(234,217,198,.45), transparent 60%);
  pointer-events: none;
}
.subhero > * { position: relative; }
.subhero .wrap { max-width: 820px; }
.subhero .eyebrow { color: var(--clay-deep); }
.subhero h1 {
  margin-bottom: 22px;
  font-size: clamp(2.1rem, 4.2vw, 3.4rem);
}
.back-link {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .88rem; color: var(--muted); margin-bottom: 26px;
}
.back-link:hover { color: var(--clay-deep); }

/* content page body */
.content-grid {
  display: grid; grid-template-columns: 1fr 1.5fr;
  gap: clamp(40px, 6vw, 80px);
}
.content-grid aside { position: sticky; top: 110px; align-self: start; }
.content-grid aside .card {
  background: var(--white); padding: 32px;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
}
.content-grid aside h4 {
  color: var(--clay-deep); margin-bottom: 12px; font-size: .74rem;
}
.content-grid aside h3 { font-size: 1.2rem; margin-bottom: 12px; }
.content-grid aside ul { list-style: none; margin-top: 16px; }
.content-grid aside li {
  padding: 12px 0; border-top: 1px solid var(--line);
  font-size: .92rem;
}
.content-body h2 { margin-top: 44px; margin-bottom: 18px; }
.content-body h2:first-child { margin-top: 0; }
.content-body h3 { margin-top: 30px; margin-bottom: 12px; color: var(--ink-text); }
.content-body p { margin-bottom: 1.15rem; color: var(--ink-soft); }
.content-body ul { margin: 0 0 1.25rem 1.3rem; }
.content-body li { margin-bottom: 10px; color: var(--ink-soft); }
.content-body .pullquote {
  font-family: var(--f-display); font-size: 1.5rem; line-height: 1.45;
  color: var(--ink-text); font-style: italic; font-weight: 500;
  border-left: 3px solid var(--forest);
  padding: 16px 0 16px 26px;
  margin: 32px 0;
}
.cta-card {
  margin-top: 52px; padding: 44px;
  background: var(--midnight); color: var(--snow);
  border-radius: var(--radius-lg); text-align: center;
  position: relative; overflow: hidden;
}
.cta-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 50% 100% at 100% 0%, rgba(179,106,74,.22), transparent 70%);
  pointer-events: none;
}
.cta-card > * { position: relative; }
.cta-card h3 {
  color: var(--snow); font-size: 1.7rem; margin-bottom: 12px;
  font-weight: 400;
}
.cta-card p { color: var(--sage-soft); margin-bottom: 22px; }
.cta-card .btn-accent { background: var(--clay); }
.cta-card .btn-accent:hover { background: var(--clay-deep); }

@media (max-width: 980px) {
  .content-grid { grid-template-columns: 1fr; }
  .content-grid aside { position: static; }
}

/* ---------- Utilities ---------- */
.fade-in { opacity: 1; transform: none; }
.js-fade .fade-in { opacity: 0; transform: translateY(22px); transition: opacity .8s ease, transform .8s ease; }
.js-fade .fade-in.visible { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  .js-fade .fade-in { opacity: 1; transform: none; transition: none; }
}

/* ---------- Loan Programs (hover-reveal cards) ---------- */
.programs-section { background: var(--snow); }

.programs-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 40px;
}

.program-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: visible;
  box-shadow: 0 2px 10px rgba(15, 30, 60, 0.06);
  height: 220px;
  transition: box-shadow .25s ease, transform .25s ease;
}
.program-card:hover,
.program-card:focus-within,
.program-card.active {
  box-shadow: 0 14px 34px rgba(15, 30, 60, 0.18);
  transform: translateY(-3px);
  z-index: 40;
}

.program-front {
  position: absolute;
  inset: 0;
  background: var(--forest);
  color: var(--snow);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 24px 18px;
  text-align: center;
  transition: opacity .35s ease;
}
.program-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--clay);
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(179, 106, 74, 0.4);
}
.program-name {
  font-family: var(--f-sans);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: -.005em;
  color: var(--snow);
  line-height: 1.25;
}
.program-badge-pill {
  font-family: var(--f-sans);
  font-size: .58rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--clay);
  background: rgba(179, 106, 74, 0.14);
  border: 1px solid rgba(179, 106, 74, 0.4);
  border-radius: 999px;
  padding: 3px 10px;
}

.program-overlay {
  position: absolute;
  top: 50%;
  left: 50%;
  width: max(420px, calc(100% + 120px));
  min-height: calc(100% + 110px);
  background: var(--clay);
  color: var(--snow);
  padding: 36px 36px 38px;
  border-radius: var(--radius-lg);
  box-shadow: 0 28px 70px rgba(15, 30, 60, 0.38);
  display: flex;
  flex-direction: column;
  justify-content: center;
  opacity: 0;
  transform: translate(-50%, -50%) scale(.94);
  transform-origin: center;
  pointer-events: none;
  visibility: hidden;
  transition: opacity .25s ease, transform .25s cubic-bezier(0.4, 0, 0.2, 1), visibility 0s linear .25s;
  z-index: 50;
}
.program-card:hover .program-overlay,
.program-card:focus-within .program-overlay,
.program-card.active .program-overlay {
  opacity: 1;
  transform: translate(-50%, -50%) scale(1);
  pointer-events: auto;
  visibility: visible;
  transition: opacity .25s ease, transform .25s cubic-bezier(0.4, 0, 0.2, 1), visibility 0s linear 0s;
}
.program-tagline {
  font-family: var(--f-sans);
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: .02em;
  color: rgba(255, 255, 255, 0.98);
  margin-bottom: 18px;
  line-height: 1.4;
}
.program-features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.program-features li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 1.05rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.96);
}
.program-features li::before {
  content: '✓';
  font-weight: 700;
  flex-shrink: 0;
  color: var(--snow);
}

/* Tap-to-toggle handled via .active class above (works on touch + keyboard) */

@media (max-width: 1000px) {
  .programs-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 1100px) {
  .program-overlay { width: max(360px, calc(100% + 80px)); padding: 30px; }
}
@media (max-width: 720px) {
  .programs-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .program-card { height: 200px; }
  .program-name { font-size: .95rem; }
  /* On tap, overlay expands well beyond the card so it reads at full size */
  .program-overlay {
    position: absolute;
    top: 50%;
    left: 50%;
    width: min(86vw, 440px);
    min-height: 0;
    padding: 28px 26px 30px;
  }
  .program-tagline { font-size: 1.1rem; margin-bottom: 14px; }
  .program-features li { font-size: 1.02rem; }
}
@media (max-width: 460px) {
  .programs-grid { grid-template-columns: 1fr; }
  .program-card { height: 180px; }
  .program-overlay {
    width: min(92vw, 420px);
    padding: 28px 22px 30px;
  }
}

/* ---------- FAQ section ---------- */
.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md, 12px);
  padding: 0;
  transition: box-shadow .2s ease, border-color .2s ease;
}
.faq-item[open] {
  box-shadow: 0 6px 22px rgba(15, 30, 60, 0.08);
  border-color: rgba(179, 106, 74, 0.35);
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 24px;
  font-family: var(--f-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink, #0F1E3C);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  line-height: 1.4;
  min-height: 44px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: var(--f-sans);
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--clay);
  flex-shrink: 0;
  transition: transform .2s ease;
}
.faq-item[open] summary::after { content: '\2013'; transform: rotate(0deg); }
.faq-item p {
  padding: 0 24px 22px;
  margin: 0;
  font-size: .98rem;
  line-height: 1.6;
  color: var(--ink-soft, #5a6377);
}
.faq-item p a { color: var(--clay-deep); text-decoration: underline; text-underline-offset: 3px; }
.faq-item p a:hover { color: var(--clay); }

/* ---------- Mobile polish + tap targets ---------- */
html { -webkit-tap-highlight-color: rgba(179, 106, 74, 0.18); }

/* Ensure all interactive elements meet 44px minimum tap target */
.btn, .btn-nav, .nav-links a, .hero-card-cta,
.btn-primary, .btn-outline, button[type="submit"] {
  min-height: 44px;
}

/* Mobile-specific refinements */
@media (max-width: 720px) {
  /* Tighten section padding further on phones */
  section { padding: clamp(48px, 9vw, 72px) 0; }
  .hero { padding: clamp(48px, 9vw, 80px) 0; }

  /* Trust strip 2x2 instead of stacked */
  .trust-inner {
    grid-template-columns: repeat(2, 1fr);
    gap: 28px 24px;
  }
  .trust-num { font-size: 2rem; }
  .trust-label { font-size: .7rem; }

  /* Hero typography sizing */
  .hero h1 { font-size: clamp(2rem, 8vw, 2.6rem); line-height: 1.15; }
  .hero .lead { font-size: 1rem; }

  /* Section heads */
  .section-head { margin-bottom: 36px; }
  .section-head.center { margin: 0 auto 36px; }
  .section-head h2 { font-size: clamp(1.6rem, 6vw, 2.1rem); line-height: 1.2; }

  /* Wrap padding tighter */
  .wrap { padding: 0 20px; }

  /* Ensure body copy stays at least 16px */
  body { font-size: 16px; }

  /* FAQ */
  .faq-item summary { padding: 18px 20px; font-size: .96rem; }
  .faq-item p { padding: 0 20px 20px; font-size: .94rem; }

  /* Hero card spacing on mobile */
  .hero-card { padding: 28px 24px; }

  /* Reduce program section bottom rhythm */
  .programs-grid { margin-top: 28px; }
}

@media (max-width: 460px) {
  .trust-inner { grid-template-columns: 1fr 1fr; gap: 22px 18px; }
  .trust-num { font-size: 1.7rem; }
  .hero-card-photo { width: 110px; height: 110px; }
  .hero-card-name { font-size: 1.4rem; }
  .hero-card-creds li { font-size: .9rem; }
}

/* Smooth scroll & no-overflow safety */
html { scroll-behavior: smooth; }
body { overflow-x: hidden; }

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}

/* Footer link tap targets on mobile */
@media (max-width: 720px) {
  footer a, .footer a, footer ul li a {
    display: inline-block;
    padding: 6px 0;
    min-height: 36px;
    line-height: 1.5;
  }
  footer ul, .footer ul { gap: 4px; }
}


/* ---------- Mortgage Calculator (sliders, Purchase/Refi tabs) ---------- */
.calculator-section { padding: 96px 0; }
.calc-layout {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 32px;
  max-width: 1040px;
  margin: 48px auto 0;
  align-items: stretch;
}
@media (max-width: 880px) {
  .calc-layout { grid-template-columns: 1fr; gap: 20px; margin-top: 32px; }
}

.calc-controls {
  background: var(--paper, #FAF7F2);
  border: 1px solid rgba(15, 30, 60, 0.08);
  border-radius: 18px;
  padding: 30px 30px 26px;
  box-shadow: 0 2px 14px rgba(15, 30, 60, 0.04);
}

.calc-tabs {
  display: inline-flex;
  background: rgba(15, 30, 60, 0.06);
  border-radius: 999px;
  padding: 4px;
  margin-bottom: 24px;
}
.calc-tab {
  font-family: var(--f-sans);
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .04em;
  padding: 9px 18px;
  border: 0;
  background: transparent;
  color: var(--ink-soft, #5a6377);
  border-radius: 999px;
  cursor: pointer;
  transition: background .18s ease, color .18s ease;
}
.calc-tab:hover:not(.active) { color: var(--ink-text); }
.calc-tab.active {
  background: var(--ink-text, #0F1E3C);
  color: #fff;
}

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.calc-field { margin-bottom: 18px; }
.calc-field:last-child { margin-bottom: 4px; }
.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--f-sans);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-soft, #5a6377);
  margin-bottom: 10px;
  gap: 12px;
}
.calc-label span {
  font-family: var(--f-sans);
  font-size: .92rem;
  font-weight: 600;
  letter-spacing: 0;
  text-transform: none;
  color: var(--clay-deep, #8C4F33);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.calc-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(15, 30, 60, 0.12);
  border-radius: 999px;
  outline: 0;
  cursor: pointer;
  margin: 4px 0 0;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--clay, #B36A4A);
  border: 3px solid #fff;
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(179, 106, 74, 0.35);
  cursor: pointer;
  transition: transform .15s ease;
}
.calc-range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.calc-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--clay, #B36A4A);
  border: 3px solid #fff;
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(179, 106, 74, 0.35);
  cursor: pointer;
}
.calc-range:focus-visible::-webkit-slider-thumb {
  outline: 3px solid rgba(179, 106, 74, 0.4);
  outline-offset: 2px;
}

.calc-result {
  background: var(--ink-text, #0F1E3C);
  border-radius: 18px;
  padding: 36px 32px 28px;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: 0 8px 28px rgba(15, 30, 60, 0.18);
}
.calc-result__label {
  font-family: var(--f-sans);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
}
.calc-result__payment {
  font-family: var(--f-display);
  font-size: clamp(2.6rem, 4.4vw, 3.4rem);
  font-weight: 600;
  letter-spacing: -.01em;
  line-height: 1.05;
  margin-top: 4px;
}
.calc-result__per {
  font-family: var(--f-sans);
  font-size: .9rem;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 18px;
}
.calc-result__breakdown {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 18px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 22px;
}
.calc-result__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--f-sans);
  font-size: .92rem;
}
.calc-result__row-label { color: rgba(255, 255, 255, 0.6); }
.calc-result__row-val {
  color: #fff;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.calc-result__row--total {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 14px;
  margin-top: 4px;
}
.calc-result__row--total .calc-result__row-label { color: rgba(255, 255, 255, 0.7); }

.calc-cta {
  width: 100%;
  justify-content: center;
  display: inline-flex;
  margin-top: 4px;
  background: var(--clay, #B36A4A);
  color: #fff;
  border: 0;
}
.calc-cta:hover {
  background: var(--clay-deep, #8C4F33);
  color: #fff;
}

.calc-disclaimer {
  font-family: var(--f-sans);
  font-size: .72rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.5);
  margin: 16px 0 0;
}

@media (max-width: 880px) {
  .calc-controls, .calc-result { padding: 24px 20px; }
  .calc-result__payment { font-size: 2.4rem; }
}

/* ---------- Compliance disclosure styles ---------- */
.form-disclaimer {
  font-family: var(--f-sans);
  font-size: .72rem;
  line-height: 1.6;
  color: var(--ink-soft, #5a6377);
  margin: 14px 0 0;
}
.legal-block {
  font-family: var(--f-sans);
  font-size: .72rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.55);
  max-width: 920px;
  margin: 0 auto;
  text-align: center;
  padding: 24px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.legal-block strong { color: rgba(255, 255, 255, 0.78); font-weight: 600; }
.legal-block .legal-equal { color: rgba(255, 255, 255, 0.78); font-weight: 600; }
@media (max-width: 720px) {
  .legal-block { font-size: .68rem; padding: 20px 4px 0; text-align: left; }
}

/* ---------- Key Facts (GEO/AI-friendly definition list) ---------- */
.key-facts {
  margin: 32px 0 24px;
  padding: 24px 26px;
  background: rgba(15, 30, 60, 0.04);
  border-left: 3px solid var(--clay);
  border-radius: 8px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
.key-facts > div {
  display: grid;
  grid-template-columns: 160px 1fr;
  gap: 14px;
  padding: 10px 0;
  border-top: 1px solid rgba(15, 30, 60, 0.06);
  align-items: baseline;
}
.key-facts > div:first-child { border-top: 0; padding-top: 0; }
.key-facts > div:last-child { padding-bottom: 0; }
.key-facts dt {
  font-family: var(--f-sans);
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--clay-deep);
  margin: 0;
}
.key-facts dd {
  margin: 0;
  font-size: .92rem;
  line-height: 1.5;
  color: var(--ink);
}
.key-facts dd a { color: var(--ink); text-decoration: underline; text-underline-offset: 2px; }
.key-facts dd a:hover { color: var(--clay-deep); }

@media (max-width: 560px) {
  .key-facts { padding: 18px 18px; }
  .key-facts > div { grid-template-columns: 1fr; gap: 2px; padding: 10px 0; }
  .key-facts dt { font-size: .64rem; }
  .key-facts dd { font-size: .9rem; }
}

/* ---------- Related paths (cross-link block on segment pages) ---------- */
.related-paths .eyebrow { display: inline-block; }
.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 10px;
  margin-top: 12px;
}
.related-grid a {
  display: block;
  padding: 16px 18px;
  background: var(--snow);
  border: 1px solid var(--line);
  border-radius: 10px;
  font-family: var(--f-sans);
  font-size: .92rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  transition: border-color .2s ease, background .2s ease, color .2s ease;
}
.related-grid a:hover {
  border-color: var(--clay);
  color: var(--clay-deep);
  background: rgba(179, 106, 74, 0.04);
}

/* ---------- Programs CTA (Payment Calculator button) ---------- */
.programs-cta { display: flex; justify-content: center; margin-top: 36px; }
.btn-pill { border-radius: 999px; padding: 14px 30px; font-size: .92rem; letter-spacing: .02em; }

/* ---------- Contact: large phone number ---------- */
.phone-large a {
  font-family: var(--f-serif);
  font-size: 2rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -.01em;
  line-height: 1.1;
  display: inline-block;
}
.phone-large a:hover { color: var(--clay-deep); }
@media (max-width: 560px) {
  .phone-large a { font-size: 1.7rem; }
}

/* ---------- Floating Call/Text Me button ---------- */
.float-call {
  position: fixed;
  right: max(20px, env(safe-area-inset-right));
  bottom: max(20px, env(safe-area-inset-bottom));
  z-index: 1000;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 22px 12px 16px;
  background: var(--clay);
  color: var(--snow);
  border-radius: 999px;
  text-decoration: none;
  font-family: var(--f-sans);
  box-shadow: 0 12px 28px rgba(15, 30, 60, 0.28), 0 2px 8px rgba(15, 30, 60, 0.18);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition: opacity .3s ease, transform .3s cubic-bezier(0.4, 0, 0.2, 1), box-shadow .2s ease, background-color .2s ease;
}
.float-call.show {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.float-call:hover,
.float-call:focus-visible {
  background: #b66f3f;
  box-shadow: 0 16px 36px rgba(15, 30, 60, 0.34), 0 4px 12px rgba(15, 30, 60, 0.22);
  outline: none;
}
.float-call:focus-visible {
  outline: 3px solid var(--snow);
  outline-offset: 2px;
}
.float-call__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.18);
  flex-shrink: 0;
}
.float-call__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}
.float-call__lead {
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  opacity: .92;
}
.float-call__num {
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: .01em;
}

/* Tablet & small desktop: keep full label, lift it a bit */
@media (max-width: 720px) {
  .float-call {
    right: max(14px, env(safe-area-inset-right));
    bottom: calc(max(36px, env(safe-area-inset-bottom)) + 16px);
    padding: 10px 18px 10px 12px;
    gap: 10px;
  }
  .float-call__icon { width: 36px; height: 36px; }
  .float-call__lead { font-size: .68rem; }
  .float-call__num { font-size: 1rem; }
}

/* Phones: collapse label, sit higher off the bottom edge */
@media (max-width: 460px) {
  .float-call {
    right: max(12px, env(safe-area-inset-right));
    bottom: calc(max(40px, env(safe-area-inset-bottom)) + 20px);
    padding: 10px 16px 10px 10px;
  }
  .float-call__icon { width: 34px; height: 34px; }
  .float-call svg { width: 18px; height: 18px; }
  .float-call__lead { display: none; }
  .float-call__num { font-size: 1rem; }
}

/* Print: hide */
@media print { .float-call { display: none; } }

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .float-call { transition: opacity .2s linear; transform: none; }
  .float-call.show { transform: none; }
}

/* Calculator MI label note */
.calc-result__row-note {
  font-size: .72rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: .04em;
  margin-left: 4px;
}

/* ---------- Floating Call/Text choice menu ---------- */
.float-call-menu {
  position: fixed;
  right: max(20px, env(safe-area-inset-right));
  bottom: calc(max(20px, env(safe-area-inset-bottom)) + 78px);
  z-index: 1001;
  min-width: 240px;
  background: var(--snow, #ffffff);
  border-radius: 16px;
  box-shadow: 0 18px 44px rgba(15, 30, 60, 0.22), 0 4px 14px rgba(15, 30, 60, 0.14);
  border: 1px solid rgba(15, 30, 60, 0.08);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  opacity: 0;
  transform: translateY(8px);
  pointer-events: none;
  visibility: hidden;
  transition: opacity .18s ease, transform .22s cubic-bezier(0.4, 0, 0.2, 1), visibility 0s linear .22s;
}
.float-call-menu.open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
  visibility: visible;
  transition: opacity .18s ease, transform .22s cubic-bezier(0.4, 0, 0.2, 1), visibility 0s;
}
.float-call-menu::after {
  content: "";
  position: absolute;
  right: 28px;
  bottom: -7px;
  width: 14px;
  height: 14px;
  background: var(--snow, #ffffff);
  border-right: 1px solid rgba(15, 30, 60, 0.08);
  border-bottom: 1px solid rgba(15, 30, 60, 0.08);
  transform: rotate(45deg);
}
.float-call-menu__item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border-radius: 12px;
  text-decoration: none;
  color: var(--ink, #0f1e3c);
  font-family: var(--f-sans);
  transition: background-color .15s ease, transform .15s ease;
}
.float-call-menu__item:hover,
.float-call-menu__item:focus-visible {
  background: rgba(196, 121, 64, 0.10);
  outline: none;
}
.float-call-menu__item:active { transform: scale(0.98); }
.float-call-menu__item svg {
  flex-shrink: 0;
  color: var(--clay, #c47940);
}
.float-call-menu__item strong {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: .01em;
  line-height: 1.2;
}
.float-call-menu__sub {
  display: block;
  font-size: .82rem;
  font-weight: 500;
  color: var(--muted, #5b6677);
  margin-top: 2px;
  letter-spacing: .01em;
}

/* Tablet & small desktop: lift menu in sync with button */
@media (max-width: 720px) {
  .float-call-menu {
    right: max(14px, env(safe-area-inset-right));
    bottom: calc(max(36px, env(safe-area-inset-bottom)) + 16px + 70px);
  }
}

/* Phones: wider menu, lifted to match button */
@media (max-width: 460px) {
  .float-call-menu {
    right: max(12px, env(safe-area-inset-right));
    left: max(12px, env(safe-area-inset-left));
    min-width: 0;
    bottom: calc(max(40px, env(safe-area-inset-bottom)) + 20px + 70px);
  }
  .float-call-menu__item { padding: 16px 18px; }
  .float-call-menu__item strong { font-size: 1.05rem; }
  .float-call-menu__sub { font-size: .9rem; }
}

@media print { .float-call-menu { display: none; } }
@media (prefers-reduced-motion: reduce) {
  .float-call-menu { transition: opacity .15s linear, visibility 0s; transform: none; }
  .float-call-menu.open { transform: none; }
}

/* ---------- Contact form confirmation modal ---------- */
.contact-confirm {
  position: fixed;
  inset: 0;
  z-index: 1100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  background: rgba(15, 30, 60, 0.45);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  pointer-events: none;
  transition: opacity .22s ease;
}
.contact-confirm.open {
  opacity: 1;
  pointer-events: auto;
}
.contact-confirm__card {
  max-width: 420px;
  width: 100%;
  background: var(--snow, #ffffff);
  border-radius: 18px;
  padding: 32px 28px 26px;
  text-align: center;
  box-shadow: 0 24px 60px rgba(15, 30, 60, 0.32), 0 6px 18px rgba(15, 30, 60, 0.18);
  transform: translateY(12px) scale(0.98);
  transition: transform .25s cubic-bezier(0.4, 0, 0.2, 1);
}
.contact-confirm.open .contact-confirm__card {
  transform: translateY(0) scale(1);
}
.contact-confirm__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: rgba(196, 121, 64, 0.14);
  color: var(--clay, #c47940);
  margin-bottom: 16px;
}
.contact-confirm__title {
  font-family: var(--f-serif, Georgia, serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--ink, #0f1e3c);
  margin: 0 0 10px;
  letter-spacing: -0.01em;
}
.contact-confirm__body {
  font-family: var(--f-sans);
  font-size: 1rem;
  line-height: 1.5;
  color: var(--muted, #4a5568);
  margin: 0 0 22px;
}
.contact-confirm__close {
  appearance: none;
  border: none;
  cursor: pointer;
  font-family: var(--f-sans);
  font-size: 1rem;
  font-weight: 600;
  background: var(--clay, #c47940);
  color: var(--snow, #ffffff);
  padding: 12px 32px;
  border-radius: 999px;
  transition: background-color .18s ease, transform .15s ease;
}
.contact-confirm__close:hover,
.contact-confirm__close:focus-visible {
  background: #b66f3f;
  outline: none;
}
.contact-confirm__close:focus-visible {
  outline: 3px solid rgba(196, 121, 64, 0.4);
  outline-offset: 2px;
}
.contact-confirm__close:active { transform: scale(0.97); }

@media (max-width: 460px) {
  .contact-confirm__card { padding: 28px 22px 22px; }
  .contact-confirm__title { font-size: 1.4rem; }
  .contact-confirm__body { font-size: .95rem; }
}
@media (prefers-reduced-motion: reduce) {
  .contact-confirm,
  .contact-confirm__card { transition: opacity .15s linear; transform: none !important; }
}