/* ==========================================================================
   Mortgage Matters — primary company site — styles.css
   Shared design system with the refinance site (canirefitx.com): warm paper,
   warm ink, brass gold, deep charcoal. Maroon lives only in the logo cross.
   Hairline rules echo the ruling of a printed mortgage statement.
   Token layer is identical to the refinance site so the two feel like one
   brand ecosystem.
   ========================================================================== */

:root {
  /* Color tokens */
  --paper: #FCFBF7;
  --paper-alt: #F5F2EA;
  --ink: #17140F;
  --ink-70: rgba(23, 20, 15, 0.72);
  --ink-45: rgba(23, 20, 15, 0.5);
  --ink-30: rgba(23, 20, 15, 0.28);
  --line: rgba(23, 20, 15, 0.12);
  --charcoal: #201C15;
  --charcoal-2: #2A251C;
  --gold: #B4892E;
  --gold-bright: #D9B45B;
  --gold-deep: #8A681D;
  --gold-tint: rgba(180, 137, 46, 0.09);
  --maroon: #7A1F23;
  --white: #FFFFFF;
  --footer-bg: #17140F;
  --error: #B3261E;

  /* Type */
  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Layout */
  --container: 1180px;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(23, 20, 15, 0.05), 0 2px 8px rgba(23, 20, 15, 0.05);
  --shadow-md: 0 2px 6px rgba(23, 20, 15, 0.06), 0 12px 32px rgba(23, 20, 15, 0.09);
  --shadow-lg: 0 4px 12px rgba(23, 20, 15, 0.08), 0 24px 64px rgba(23, 20, 15, 0.14);
  --section-pad: clamp(4.5rem, 9vw, 8rem);
  --header-h: 76px;
  --header-h-compact: 62px;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
h1, h2, h3, h4, p, ul, ol, figure, fieldset, blockquote, dl, dd { margin: 0; padding: 0; }
ul, ol { list-style: none; }
a { color: inherit; }
button { font: inherit; color: inherit; background: none; border: 0; cursor: pointer; }
fieldset { border: 0; min-width: 0; }
strong { font-weight: 600; }
[hidden] { display: none !important; }

h1, h2 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.015em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.5rem, 5.6vw, 4.15rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: 1.185rem; font-weight: 600; line-height: 1.35; }

::selection { background: var(--gold-bright); color: var(--ink); }

:focus-visible {
  outline: 2.5px solid var(--gold-deep);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--ink); color: var(--white);
  padding: 0.75rem 1.25rem; z-index: 200; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

.container { max-width: var(--container); margin-inline: auto; padding-inline: clamp(1.25rem, 4vw, 2.5rem); }
.container-narrow { max-width: 860px; }

/* ---------- Shared bits ---------- */
.eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 1.1rem;
}
.eyebrow-gold { color: var(--gold-bright); }

.section { padding-block: var(--section-pad); }
.section-alt { background: var(--paper-alt); }
.section-head { max-width: 680px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-head-row {
  display: flex; align-items: flex-end; justify-content: space-between; gap: 2rem;
  margin-bottom: clamp(2.5rem, 5vw, 4rem);
}
.section-head-row .section-head { margin-bottom: 0; }
.section-head-row > .btn { flex: none; margin-bottom: 0.4rem; }
@media (max-width: 720px) {
  .section-head-row { flex-direction: column; align-items: flex-start; gap: 1.4rem; }
}
.section-sub { margin-top: 1.1rem; font-size: 1.11rem; color: var(--ink-70); max-width: 58ch; }

.icon { width: 1.15em; height: 1.15em; flex: none; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55em;
  font-weight: 600; font-size: 1rem; line-height: 1.2;
  padding: 0.9em 1.7em; border-radius: 999px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background-color 0.18s ease, border-color 0.18s ease, color 0.18s ease;
  text-decoration: none; white-space: nowrap;
}
.btn:active { transform: scale(0.985); }
.btn-gold {
  background: var(--gold);
  color: var(--ink);
  box-shadow: 0 1px 2px rgba(23,20,15,0.18), inset 0 1px 0 rgba(255,255,255,0.28);
}
.btn-gold:hover { background: var(--gold-bright); box-shadow: 0 4px 16px rgba(180,137,46,0.4); transform: translateY(-1px); }
.btn-ghost {
  border: 1.5px solid var(--ink-30); color: var(--ink); background: transparent;
}
.btn-ghost:hover { border-color: var(--ink); background: rgba(23,20,15,0.03); transform: translateY(-1px); }
.btn-ghost-light { border: 1.5px solid rgba(255,255,255,0.35); color: var(--white); }
.btn-ghost-light:hover { border-color: var(--gold-bright); color: var(--gold-bright); transform: translateY(-1px); }
.btn-lg { font-size: 1.06rem; padding: 1em 1.9em; }
.btn-sm { font-size: 0.92rem; padding: 0.68em 1.3em; }
.btn-block { width: 100%; }

.micro-trust { font-size: 0.875rem; color: var(--ink-45); margin-top: 0.9rem; }

.text-link {
  color: var(--gold-deep); font-weight: 500;
  text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px;
  transition: color 0.15s ease;
}
.text-link:hover { color: var(--ink); }
.section-dark .text-link, .final-cta .text-link { color: var(--gold-bright); }
.section-dark .text-link:hover, .final-cta .text-link:hover { color: var(--white); }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.65s ease, transform 0.65s cubic-bezier(0.2, 0.7, 0.3, 1); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: 0.001s !important; transition-duration: 0.001s !important; }
}

/* ==========================================================================
   HEADER — sticky, becomes compact on scroll
   ========================================================================== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(252, 251, 247, 0.86);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s ease, background-color 0.25s ease;
}
.site-header.scrolled { border-bottom-color: var(--line); }

.header-inner {
  display: flex; align-items: center; gap: 1.8rem;
  height: var(--header-h);
  transition: height 0.25s ease;
}
.site-header.scrolled .header-inner { height: var(--header-h-compact); }

.brand { display: flex; align-items: center; gap: 0.7rem; text-decoration: none; }
.brand-logo { height: 52px; width: auto; display: block; transition: height 0.25s ease; }
.site-header.scrolled .brand-logo { height: 42px; }
.brand-logo-footer { height: 106px; }

.site-nav { display: flex; gap: 1.55rem; margin-inline: auto; }
.site-nav a {
  position: relative;
  font-size: 0.95rem; font-weight: 500; text-decoration: none; color: var(--ink-70);
  transition: color 0.15s ease; white-space: nowrap;
  padding-block: 0.3rem;
}
.site-nav a:hover { color: var(--ink); }
.site-nav a[aria-current="page"] { color: var(--ink); font-weight: 600; }
.site-nav a[aria-current="page"]::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 2px; border-radius: 2px; background: var(--gold);
}

.header-cta { display: flex; align-items: center; gap: 1.1rem; }
.header-phone {
  font-size: 0.95rem; font-weight: 600; text-decoration: none; color: var(--ink-70);
  transition: color 0.15s ease; white-space: nowrap;
}
.header-phone:hover { color: var(--gold-deep); }

.nav-toggle {
  display: none; flex-direction: column; justify-content: center; gap: 6px;
  width: 44px; height: 44px; padding: 10px; margin-left: auto;
}
.nav-toggle span { display: block; height: 2px; background: var(--ink); border-radius: 2px; transition: transform 0.25s ease, opacity 0.25s ease; }
.nav-toggle[aria-expanded="true"] span:first-child { transform: translateY(4px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:last-child { transform: translateY(-4px) rotate(-45deg); }

.mobile-nav {
  display: none;
  flex-direction: column; gap: 0.25rem;
  padding: 0.75rem clamp(1.25rem, 4vw, 2.5rem) 1.5rem;
  border-bottom: 1px solid var(--line);
  background: var(--paper);
  max-height: calc(100dvh - var(--header-h));
  overflow-y: auto;
}
.mobile-nav a { padding: 0.7rem 0; font-weight: 500; text-decoration: none; color: var(--ink); border-bottom: 1px solid var(--line); }
.mobile-nav a[aria-current="page"] { color: var(--gold-deep); font-weight: 600; }
.mobile-nav .btn { margin-top: 1rem; }
.mobile-nav.open { display: flex; }

@media (max-width: 1060px) {
  .site-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .site-header .brand-logo { height: 44px; }
  .site-header.scrolled .brand-logo { height: 40px; }
}

/* ==========================================================================
   HOMEPAGE HERO — the mortgage plan card is the signature element,
   sibling of the refinance site's annotated statement.
   ========================================================================== */
.hero {
  padding-block: clamp(3.5rem, 7vw, 6.5rem) clamp(4rem, 8vw, 7rem);
  overflow: hidden;
}
.hero-grid {
  display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: clamp(2.5rem, 5vw, 5rem); align-items: center;
}
.hero-copy .eyebrow { margin-bottom: 1.4rem; }
.hero-sub {
  margin-top: 1.5rem; font-size: 1.17rem; line-height: 1.65;
  color: var(--ink-70); max-width: 54ch;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 2.2rem; }
.hero-alt-link { margin-top: 1.3rem; font-size: 0.95rem; color: var(--ink-70); }
.hero-trust {
  display: flex; flex-wrap: wrap; gap: 1.6rem;
  margin-top: 2.1rem; padding-top: 1.6rem;
  border-top: 1px solid var(--line);
}
.hero-trust li {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.9rem; font-weight: 500; color: var(--ink-70);
}
.hero-trust .icon { color: var(--gold-deep); }

.hero-visual { position: relative; }

/* The plan card — "Your Mortgage Plan" checklist */
.plan-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 1.6rem 1.8rem;
  max-width: 480px;
  margin-inline: auto;
  transform: rotate(-0.6deg);
}
.plan-head {
  display: flex; align-items: center; gap: 0.6rem;
  padding-bottom: 1rem; border-bottom: 2px solid var(--ink);
}
.plan-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--gold); flex: none; }
.plan-title { font-weight: 600; font-size: 0.95rem; letter-spacing: 0.01em; }
.plan-meta { margin-left: auto; font-size: 0.75rem; color: var(--ink-45); }

.plan-body { padding-top: 0.4rem; }
.plan-row {
  display: flex; align-items: center; gap: 0.85rem;
  padding: 0.72rem 0.4rem;
  border-bottom: 1px solid var(--line);
  font-size: 0.92rem; color: var(--ink-70);
}
.plan-row:last-child { border-bottom: 0; }
.plan-row strong { color: var(--ink); font-weight: 600; }
.plan-row .plan-note { margin-left: auto; font-size: 0.8rem; color: var(--ink-45); white-space: nowrap; }
.plan-check {
  width: 22px; height: 22px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  background: var(--gold-tint); color: var(--gold-deep);
}
.plan-check svg { width: 12px; height: 12px; }
.plan-check.is-open { background: transparent; border: 1.5px dashed var(--ink-30); color: transparent; }
.plan-row.is-flagged { background: var(--gold-tint); border-radius: 6px; }

.plan-callout {
  display: flex; flex-direction: column; gap: 0.15rem;
  margin-top: 1.3rem;
  background: var(--ink); color: var(--white);
  border-radius: 12px; padding: 0.85rem 1.1rem;
  box-shadow: var(--shadow-md);
}
.callout-label {
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold-bright);
}
.callout-text { font-size: 0.98rem; }
.callout-text strong { color: var(--gold-bright); }

.plan-footnote {
  margin-top: 1rem; text-align: center;
  font-size: 0.78rem; color: var(--ink-45);
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 480px; margin-inline: auto; width: 100%; }
}

/* ==========================================================================
   PAGE HERO — interior pages
   ========================================================================== */
.page-hero {
  padding-block: clamp(3rem, 6vw, 5rem) clamp(2.5rem, 5vw, 4rem);
  border-bottom: 1px solid var(--line);
}
.page-hero h1 { font-size: clamp(2.3rem, 4.8vw, 3.6rem); max-width: 20ch; }
.page-hero .section-sub { max-width: 62ch; }
.page-hero-ctas { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 2rem; }

.breadcrumbs { margin-bottom: 1.6rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 0.55rem; font-size: 0.85rem; color: var(--ink-45); }
.breadcrumbs li { display: flex; align-items: center; gap: 0.55rem; }
.breadcrumbs li + li::before { content: "/"; color: var(--ink-30); }
.breadcrumbs a { text-decoration: none; color: var(--ink-45); transition: color 0.15s ease; }
.breadcrumbs a:hover { color: var(--gold-deep); }
.breadcrumbs [aria-current="page"] { color: var(--ink-70); font-weight: 500; }

/* ==========================================================================
   STATS BAND
   ========================================================================== */
.stats-band {
  border-block: 1px solid var(--line);
  background: var(--white);
  padding-block: clamp(2.2rem, 4vw, 3.2rem);
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(1.5rem, 3vw, 3rem);
}
.stats-grid-5 { grid-template-columns: repeat(5, 1fr); }
.stat { text-align: center; }
.stat-num {
  display: block;
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(1.9rem, 3.4vw, 2.7rem); line-height: 1.1;
  font-variant-numeric: tabular-nums;
  color: var(--ink);
}
.stat-label { display: block; margin-top: 0.35rem; font-size: 0.9rem; color: var(--ink-45); }
@media (max-width: 900px) {
  .stats-grid-5 { grid-template-columns: repeat(3, 1fr); row-gap: 2rem; }
}
@media (max-width: 720px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid-5 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid-5 .stat:last-child { grid-column: 1 / -1; }
}

/* ==========================================================================
   CARDS — benefits, paths, loan previews
   ========================================================================== */
.card-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
}
.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.benefit-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.9rem 1.7rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
/* A linked heading makes the whole card clickable */
.benefit-card h3 a { text-decoration: none; }
.benefit-card h3 a::after { content: ""; position: absolute; inset: 0; }
.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(180, 137, 46, 0.4);
}
.benefit-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: grid; place-items: center;
  background: var(--gold-tint); color: var(--gold-deep);
  margin-bottom: 1.25rem;
}
.benefit-icon svg { width: 28px; height: 28px; }
.benefit-card h3 { margin-bottom: 0.6rem; }
.benefit-card p { font-size: 0.965rem; color: var(--ink-70); }
@media (max-width: 960px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .card-grid, .card-grid-2 { grid-template-columns: 1fr; } }

/* Path cards — "where would you like to start?" Whole card is the link. */
.path-card {
  position: relative;
  display: flex; flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.9rem 1.7rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.path-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(180, 137, 46, 0.4);
}
.path-card h3 { margin-bottom: 0.6rem; }
.path-card h3 a { text-decoration: none; }
.path-card h3 a::after { content: ""; position: absolute; inset: 0; }
.path-card p { font-size: 0.965rem; color: var(--ink-70); flex: 1; }
.path-cta {
  display: inline-flex; align-items: center; gap: 0.45em;
  margin-top: 1.3rem;
  font-size: 0.93rem; font-weight: 600; color: var(--gold-deep);
}
.path-cta .icon { width: 1em; height: 1em; transition: transform 0.2s ease; }
.path-card:hover .path-cta .icon { transform: translateX(4px); }
.path-card:has(.path-tag) h3 { padding-right: 6.5rem; }
.path-tag {
  position: absolute; top: 1.3rem; right: 1.3rem;
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase;
  color: var(--ink-45);
  background: var(--paper-alt); border: 1px solid var(--line);
  padding: 0.25em 0.75em; border-radius: 999px;
}

/* Loan preview cards keep benefit-card look; the label row links out */
.loan-links { margin-top: clamp(2rem, 4vw, 2.6rem); text-align: center; }
.fine-print { font-size: 0.82rem; color: var(--ink-45); max-width: 74ch; }
.fine-print a { color: var(--gold-deep); }
.loan-links .fine-print { margin: 1.4rem auto 0; }

/* ==========================================================================
   PROCESS
   ========================================================================== */
.process-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(1.3rem, 2.6vw, 2.2rem);
}
.process-step { position: relative; }
.process-illo {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  margin-bottom: 1.4rem;
  box-shadow: var(--shadow-sm);
}
.process-illo svg { width: 100%; height: auto; max-height: 132px; }
.process-num {
  display: inline-block;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 0.5rem;
}
.process-step h3 { margin-bottom: 0.55rem; }
.process-step p { font-size: 0.965rem; color: var(--ink-70); }
.process-cta { text-align: center; margin-top: clamp(2.5rem, 5vw, 4rem); }
@media (max-width: 1000px) {
  .process-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .process-grid { grid-template-columns: 1fr; max-width: 460px; }
}

/* ==========================================================================
   REFINANCE HANDOFF SECTION — visual continuity with canirefitx.com
   ========================================================================== */
.refi-grid {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 0.95fr);
  gap: clamp(2.5rem, 5vw, 5rem); align-items: center;
}
.check-list { display: flex; flex-direction: column; gap: 0.7rem; margin-top: 1.6rem; }
.check-list li {
  display: flex; align-items: flex-start; gap: 0.7rem;
  font-size: 1rem; color: var(--ink-70);
}
.check-list .icon { color: var(--gold-deep); margin-top: 0.22em; }
.refi-ctas { display: flex; flex-wrap: wrap; align-items: center; gap: 1.1rem; margin-top: 2rem; }
.external-note {
  display: flex; align-items: center; gap: 0.45rem;
  margin-top: 0.9rem; font-size: 0.85rem; color: var(--ink-45);
}
.external-note .icon { width: 0.95em; height: 0.95em; color: var(--gold-deep); }

/* Annotated statement card — carried over from the refinance site */
.statement-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 1.6rem 1.8rem;
  max-width: 480px;
  margin-inline: auto;
  transform: rotate(0.6deg);
}
.statement-head {
  display: flex; align-items: center; gap: 0.6rem;
  padding-bottom: 1rem; border-bottom: 2px solid var(--ink);
}
.statement-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--gold); flex: none; }
.statement-title { font-weight: 600; font-size: 0.95rem; letter-spacing: 0.01em; }
.statement-date { margin-left: auto; font-size: 0.75rem; color: var(--ink-45); }
.statement-body { padding-top: 0.4rem; }
.statement-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  padding: 0.72rem 0.4rem;
  border-bottom: 1px solid var(--line);
  font-size: 0.92rem; color: var(--ink-70);
}
.statement-row strong { font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; }
.statement-row.is-flagged { background: var(--gold-tint); border-radius: 6px; }
.statement-row.is-flagged strong { color: var(--gold-deep); }
.statement-total { border-bottom: 0; border-top: 2px solid var(--ink); margin-top: 0.35rem; font-weight: 600; color: var(--ink); }
.statement-callout {
  display: flex; flex-direction: column; gap: 0.15rem;
  margin-top: 1.3rem;
  background: var(--ink); color: var(--white);
  border-radius: 12px; padding: 0.85rem 1.1rem;
  box-shadow: var(--shadow-md);
}
.statement-footnote {
  margin-top: 1rem; text-align: center;
  font-size: 0.78rem; color: var(--ink-45);
}
@media (max-width: 900px) {
  .refi-grid { grid-template-columns: 1fr; }
  .refi-grid .statement-card { max-width: 480px; }
}

/* ==========================================================================
   DARK SECTION — why / compare / values
   ========================================================================== */
.section-dark {
  background: var(--charcoal);
  color: rgba(255, 255, 255, 0.88);
}
.section-dark h2 { color: var(--white); }
.section-dark .section-sub { color: rgba(255, 255, 255, 0.64); }

.compare {
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--charcoal-2);
}
.compare-row {
  display: grid; grid-template-columns: 1.1fr 1fr 1.2fr;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.compare-row:last-child { border-bottom: 0; }
.compare-row > span { padding: 1rem 1.4rem; font-size: 0.95rem; color: rgba(255,255,255,0.6); }
.compare-crit { font-weight: 600; color: rgba(255,255,255,0.85) !important; }
.compare-head > span {
  font-size: 0.78rem !important; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  padding-block: 1.1rem;
}
.compare-us { background: rgba(180, 137, 46, 0.13); color: var(--gold-bright) !important; font-weight: 500; }
.compare-head .compare-us { color: var(--gold-bright) !important; }
@media (max-width: 720px) {
  .compare-row { grid-template-columns: 1fr; }
  .compare-row > span { padding: 0.55rem 1.2rem; }
  .compare-crit { padding-top: 1.1rem !important; }
  .compare-row > span:last-child { padding-bottom: 1.1rem; }
  .compare-head { display: none; }
  .compare-us::before { content: "Mortgage Matters — "; font-weight: 600; }
  .compare-row > span:nth-child(2)::before { content: "A big lender — "; font-weight: 600; color: rgba(255,255,255,0.4); }
}

.values { margin-top: clamp(2.5rem, 5vw, 3.5rem); max-width: 720px; }
.values-line {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 2.4vw, 1.6rem);
  line-height: 1.5;
  color: rgba(255,255,255,0.85);
  border-left: 3px solid var(--gold);
  padding-left: 1.5rem;
}
.values-line em { color: var(--gold-bright); font-style: italic; }

/* Dark benefit cards */
.section-dark .benefit-card {
  background: var(--charcoal-2);
  border-color: rgba(255,255,255,0.12);
  box-shadow: none;
}
.section-dark .benefit-card:hover { border-color: rgba(217,180,91,0.45); box-shadow: 0 12px 32px rgba(0,0,0,0.3); }
.section-dark .benefit-card h3 { color: var(--white); }
.section-dark .benefit-card p { color: rgba(255,255,255,0.62); }
.section-dark .benefit-icon { background: rgba(180, 137, 46, 0.14); color: var(--gold-bright); }

/* ==========================================================================
   TEAM — dark preview cards + light directory
   ========================================================================== */
.team {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: clamp(1.4rem, 3vw, 2rem); margin-top: clamp(2.5rem, 5vw, 3.5rem);
}
.team-card { text-align: center; margin: 0; flex: 0 1 240px; min-width: 200px; }
.team-photo {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  overflow: hidden;
  background: linear-gradient(160deg, var(--charcoal-2), #3A332600);
  border: 1px solid rgba(255,255,255,0.12);
  margin-bottom: 1rem;
}
.team-photo img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: 50% 22%;
  display: block;
}
.team-card figcaption { display: flex; flex-direction: column; gap: 0.15rem; }
.team-card strong { color: var(--white); }
.team-card figcaption span { font-size: 0.88rem; color: rgba(255,255,255,0.55); }
.team-nmls { font-size: 0.78rem !important; color: var(--gold-bright) !important; }
@media (max-width: 720px) {
  .team-card { flex: 0 1 calc(50% - 0.8rem); min-width: 150px; }
}

/* Light directory (team.html) */
.team-directory {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
}
.member-card {
  display: flex; flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.member-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(180,137,46,0.4); }
.member-photo { aspect-ratio: 4 / 5; background: var(--paper-alt); }
.member-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 22%; }
.member-body { display: flex; flex-direction: column; flex: 1; padding: 1.4rem 1.5rem 1.6rem; }
.member-body h3 { font-size: 1.22rem; }
.member-title { font-size: 0.9rem; color: var(--ink-70); margin-top: 0.15rem; }
.member-nmls { font-size: 0.8rem; color: var(--gold-deep); font-weight: 600; margin-top: 0.3rem; }
.member-bio { font-size: 0.92rem; color: var(--ink-70); margin-top: 0.8rem; flex: 1; }
.member-contacts { display: flex; flex-direction: column; gap: 0.35rem; margin-top: 1rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.member-contacts a {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.88rem; font-weight: 500; text-decoration: none; color: var(--ink-70);
  transition: color 0.15s ease; overflow-wrap: anywhere;
}
.member-contacts a:hover { color: var(--gold-deep); }
.member-contacts .icon { color: var(--gold-deep); width: 1em; height: 1em; }
.member-actions { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: 1.1rem; }
.member-actions .btn { font-size: 0.85rem; padding: 0.6em 1.15em; }
@media (max-width: 960px) { .team-directory { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .team-directory { grid-template-columns: 1fr; } }

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.google-badge {
  display: inline-flex; align-items: center; gap: 0.7rem;
  margin-top: 1.4rem;
  padding: 0.7rem 1.2rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
}
.g-logo { width: 22px; height: 22px; }
.g-stars { color: var(--gold); letter-spacing: 0.1em; font-size: 0.95rem; }
.g-text { font-size: 0.9rem; color: var(--ink-70); }
.g-text a { color: var(--gold-deep); font-weight: 500; }

.testimonial-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
}
.testimonial {
  display: flex; flex-direction: column; gap: 1.1rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 2rem 1.8rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.testimonial:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.t-stars { color: var(--gold); letter-spacing: 0.12em; }
.testimonial p {
  font-family: var(--font-display);
  font-size: 1.13rem; line-height: 1.55; color: var(--ink);
  flex: 1;
}
.testimonial footer { display: flex; align-items: center; gap: 0.85rem; }
.t-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center; flex: none;
  background: var(--gold-tint); color: var(--gold-deep);
  font-weight: 600; font-size: 0.9rem;
}
.testimonial cite { display: block; font-style: normal; font-weight: 600; font-size: 0.95rem; }
.t-meta { font-size: 0.82rem; color: var(--ink-45); }
@media (max-width: 880px) {
  .testimonial-grid { grid-template-columns: 1fr; max-width: 560px; }
}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-item h3 { font-size: inherit; }
.faq-q {
  display: flex; align-items: center; justify-content: space-between; gap: 1.5rem;
  width: 100%; text-align: left;
  padding: 1.35rem 0.25rem;
  font-size: 1.08rem; font-weight: 600; line-height: 1.4;
  transition: color 0.15s ease;
}
.faq-q:hover { color: var(--gold-deep); }
.faq-icon { position: relative; width: 18px; height: 18px; flex: none; }
.faq-icon::before, .faq-icon::after {
  content: ""; position: absolute; inset: 0; margin: auto;
  background: currentColor; border-radius: 2px;
  transition: transform 0.25s ease;
}
.faq-icon::before { width: 16px; height: 2px; }
.faq-icon::after { width: 2px; height: 16px; }
.faq-q[aria-expanded="true"] .faq-icon::after { transform: rotate(90deg); }
.faq-a {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows 0.3s ease;
}
.faq-a-inner { overflow: hidden; }
.faq-a-inner p { padding: 0 0.25rem 1.5rem; color: var(--ink-70); max-width: 65ch; }
.faq-item.open .faq-a { grid-template-rows: 1fr; }

/* ==========================================================================
   CALCULATOR (buy page)
   ========================================================================== */
.calc-wrap {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 0.92fr);
  gap: clamp(1.5rem, 3vw, 2.5rem);
  align-items: start;
}
.calc-inputs {
  display: flex; flex-direction: column; gap: 1.8rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, 2.2rem);
  box-shadow: var(--shadow-sm);
}
.calc-inputs legend {
  font-family: var(--font-display); font-size: 1.22rem; font-weight: 600;
  margin-bottom: 1.1rem; padding: 0;
}

.field { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1rem; }
.field:last-child { margin-bottom: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field-row .field { margin-bottom: 1rem; }
.field label, .field-label { font-size: 0.9rem; font-weight: 600; color: var(--ink); }
.label-note { font-weight: 400; color: var(--ink-45); font-size: 0.85em; }

input[type="text"], input[type="number"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%;
  font: inherit; font-size: 1rem;
  color: var(--ink);
  background: var(--paper);
  border: 1.5px solid var(--ink-30);
  border-radius: 10px;
  padding: 0.72em 0.9em;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  font-variant-numeric: tabular-nums;
}
textarea { resize: vertical; min-height: 120px; font-variant-numeric: normal; }
input:hover, select:hover, textarea:hover { border-color: var(--ink-45); }
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold-deep);
  box-shadow: 0 0 0 3px rgba(180, 137, 46, 0.18);
}
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5 11 1.5' fill='none' stroke='%2317140F' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 0.9em center; background-size: 12px; padding-right: 2.4em; }

.input-affix { position: relative; display: flex; align-items: center; }
.input-affix .affix {
  position: absolute; font-size: 0.95rem; color: var(--ink-45); pointer-events: none;
}
.input-affix .affix:first-child { left: 0.9em; }
.input-affix .affix:last-child { right: 0.9em; }
.input-affix .affix:first-child + input { padding-left: 2em; }
.input-affix input:has(+ .affix) { padding-right: 2.2em; }

.calc-results {
  position: sticky; top: calc(var(--header-h) + 20px);
  background: var(--charcoal);
  color: rgba(255, 255, 255, 0.88);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, 2.2rem);
  box-shadow: var(--shadow-lg);
}
.calc-results-head {
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase;
  color: var(--gold-bright);
  padding-bottom: 1rem; margin-bottom: 1.2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}
.calc-hero-number { margin-bottom: 1.4rem; }
.calc-hero-label { display: block; font-size: 0.92rem; color: rgba(255,255,255,0.6); margin-bottom: 0.2rem; }
.calc-hero-value {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(2.6rem, 5vw, 3.4rem); line-height: 1.05;
  color: var(--gold-bright);
  font-variant-numeric: tabular-nums;
}
.calc-lines { margin-bottom: 1.6rem; }
.calc-line {
  display: flex; justify-content: space-between; gap: 1rem; align-items: baseline;
  padding: 0.62rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.93rem; color: rgba(255,255,255,0.62);
}
.calc-line strong { color: var(--white); font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc-line.is-highlight { color: rgba(255,255,255,0.85); }
.calc-line.is-highlight strong { color: var(--gold-bright); }
.calc-disclaimer { margin-top: 1rem; font-size: 0.75rem; line-height: 1.55; color: rgba(255,255,255,0.42); }
@media (max-width: 880px) {
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-results { position: static; }
}

/* ==========================================================================
   ABOUT — story split, values
   ========================================================================== */
.split {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(2.5rem, 5vw, 5rem); align-items: center;
}
.split .section-head { margin-bottom: 0; }
.split-body p { color: var(--ink-70); margin-bottom: 1rem; max-width: 60ch; }
.split-body p:last-child { margin-bottom: 0; }
.split-body strong { color: var(--ink); }
@media (max-width: 880px) { .split { grid-template-columns: 1fr; } }

.mission-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
.mission-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2rem 1.9rem; box-shadow: var(--shadow-sm);
}
.mission-card .eyebrow { margin-bottom: 0.7rem; }
.mission-card p {
  font-family: var(--font-display); font-size: 1.25rem; line-height: 1.5; color: var(--ink);
}
@media (max-width: 720px) { .mission-cards { grid-template-columns: 1fr; } }

.value-card {
  background: var(--charcoal-2);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1.9rem 1.7rem;
}
.value-card h3 { color: var(--gold-bright); font-family: var(--font-display); font-size: 1.3rem; margin-bottom: 0.6rem; }
.value-card p { font-size: 0.95rem; color: rgba(255,255,255,0.62); }

/* ==========================================================================
   RESOURCES — filters + expandable guides
   ========================================================================== */
.filter-chips { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-bottom: clamp(2rem, 4vw, 3rem); }
.filter-chip {
  font-size: 0.9rem; font-weight: 500;
  padding: 0.5em 1.15em; border-radius: 999px;
  border: 1.5px solid var(--ink-30); color: var(--ink-70);
  transition: border-color 0.18s ease, background-color 0.18s ease, color 0.18s ease;
}
.filter-chip:hover { border-color: var(--ink); color: var(--ink); }
.filter-chip[aria-pressed="true"] {
  background: var(--ink); border-color: var(--ink); color: var(--white);
}

.resource-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
@media (max-width: 880px) { .resource-grid { grid-template-columns: 1fr; } }

.resource-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: border-color 0.22s ease, box-shadow 0.22s ease;
  align-self: start;
}
.resource-card[open] { border-color: rgba(180,137,46,0.4); box-shadow: var(--shadow-md); }
.resource-card summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: flex-start; gap: 1rem;
  padding: 1.5rem 1.6rem;
}
.resource-card summary::-webkit-details-marker { display: none; }
.resource-card summary:hover h3 { color: var(--gold-deep); }
.resource-cat {
  display: inline-block;
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase;
  color: var(--gold-deep); background: var(--gold-tint);
  padding: 0.25em 0.75em; border-radius: 999px;
  margin-bottom: 0.6rem;
}
.resource-card h3 { transition: color 0.15s ease; }
.resource-card summary p { font-size: 0.92rem; color: var(--ink-70); margin-top: 0.45rem; }
.resource-toggle {
  margin-left: auto; flex: none;
  width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center;
  border: 1.5px solid var(--ink-30); color: var(--ink-45);
  transition: transform 0.25s ease, border-color 0.25s ease, color 0.25s ease;
}
.resource-card[open] .resource-toggle { transform: rotate(45deg); border-color: var(--gold-deep); color: var(--gold-deep); }
.resource-toggle svg { width: 14px; height: 14px; }
.resource-body { padding: 0 1.6rem 1.7rem; border-top: 1px solid var(--line); }
.resource-body > * { margin-top: 1rem; }
.resource-body p { font-size: 0.95rem; color: var(--ink-70); max-width: 68ch; }
.resource-body ul { list-style: disc; padding-left: 1.3rem; font-size: 0.95rem; color: var(--ink-70); max-width: 66ch; }
.resource-body li { margin-bottom: 0.4rem; }
.resource-body li::marker { color: var(--gold); }
.resource-body strong { color: var(--ink); }
.resource-body .text-link { font-size: 0.95rem; display: inline-block; }

/* ==========================================================================
   CONTACT
   ========================================================================== */
.contact-layout {
  display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: clamp(2rem, 4vw, 3.5rem); align-items: start;
}
.contact-form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 3.5vw, 2.4rem);
  box-shadow: var(--shadow-sm);
}
.info-card {
  background: var(--charcoal);
  color: rgba(255,255,255,0.85);
  border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 3.5vw, 2.2rem);
  box-shadow: var(--shadow-lg);
}
.info-card h2 { font-size: 1.5rem; color: var(--white); margin-bottom: 1.4rem; }
.info-rows { display: flex; flex-direction: column; }
.info-row {
  display: flex; gap: 0.9rem; align-items: flex-start;
  padding-block: 0.95rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 0.95rem;
}
.info-row:last-child { border-bottom: 0; }
.info-row .icon { color: var(--gold-bright); margin-top: 0.2em; }
.info-row a { color: inherit; text-decoration: none; transition: color 0.15s ease; }
.info-row a:hover { color: var(--gold-bright); }
.info-label { display: block; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.11em; text-transform: uppercase; color: rgba(255,255,255,0.45); margin-bottom: 0.2rem; }
.info-note { margin-top: 1.3rem; font-size: 0.8rem; line-height: 1.6; color: rgba(255,255,255,0.45); }
@media (max-width: 880px) { .contact-layout { grid-template-columns: 1fr; } }

/* Form messages */
.req { color: var(--gold-deep); }
.field-error { font-size: 0.83rem; color: var(--error); margin-top: 0.1rem; }
input[aria-invalid="true"], select[aria-invalid="true"], textarea[aria-invalid="true"] { border-color: var(--error); }
.form-error {
  background: rgba(179, 38, 30, 0.07);
  border: 1px solid rgba(179, 38, 30, 0.3);
  color: var(--error);
  border-radius: 10px; padding: 0.8rem 1rem;
  font-size: 0.9rem; margin-bottom: 1rem;
}
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.field-consent { margin-top: 1.2rem; }
.consent { display: flex; gap: 0.7rem; align-items: flex-start; font-size: 0.86rem; color: var(--ink-70); font-weight: 400 !important; cursor: pointer; }
.consent input {
  width: 18px; height: 18px; margin-top: 2px; flex: none;
  accent-color: var(--gold-deep);
}
.form-fineprint {
  display: flex; align-items: center; justify-content: center; gap: 0.45rem;
  margin-top: 1rem;
  font-size: 0.78rem; color: var(--ink-45); text-align: center;
}
.form-fineprint .icon { color: var(--gold-deep); }

/* ==========================================================================
   FINAL CTA
   ========================================================================== */
.final-cta {
  background:
    radial-gradient(ellipse 90% 70% at 50% -10%, rgba(180, 137, 46, 0.22), transparent 60%),
    var(--ink);
  color: var(--white);
  padding-block: clamp(5rem, 10vw, 8.5rem);
  text-align: center;
}
.final-inner { max-width: 760px; margin-inline: auto; }
.final-cta h2 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); color: var(--white); }
.final-cta h2 em { color: var(--gold-bright); font-style: italic; }
.final-sub { margin-top: 1.2rem; font-size: 1.15rem; color: rgba(255,255,255,0.65); }
.final-btns { display: flex; flex-wrap: wrap; gap: 0.9rem; justify-content: center; margin-top: 2.4rem; }
.final-trust {
  display: flex; flex-wrap: wrap; gap: 0.6rem 2rem; justify-content: center;
  margin-top: 2.4rem;
}
.final-trust li {
  font-size: 0.85rem; color: rgba(255,255,255,0.55);
  display: flex; align-items: center; gap: 0.45rem;
}
.final-trust li::before {
  content: ""; width: 4px; height: 4px; border-radius: 50%; background: var(--gold);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background: var(--footer-bg);
  color: rgba(255, 255, 255, 0.65);
  padding-top: clamp(3.5rem, 6vw, 5rem);
}
.footer-grid {
  display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: clamp(2rem, 4vw, 3.5rem);
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-tag { margin-top: 1.1rem; font-size: 0.95rem; max-width: 30ch; }
.footer-badges { display: flex; align-items: center; gap: 0.8rem; margin-top: 1.6rem; }
.ehl { width: 42px; height: 42px; color: rgba(255,255,255,0.7); }
.footer-badge-text { font-size: 0.7rem; letter-spacing: 0.06em; text-transform: uppercase; line-height: 1.45; color: rgba(255,255,255,0.5); }

.footer-col h4 {
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--white); margin-bottom: 1.1rem;
}
.footer-col a {
  display: block; padding: 0.32rem 0;
  font-size: 0.95rem; text-decoration: none; color: rgba(255,255,255,0.65);
  transition: color 0.15s ease;
}
.footer-col a:hover { color: var(--gold-bright); }
.footer-address { font-size: 0.95rem; margin-top: 0.5rem; line-height: 1.7; }

.footer-legal { padding-block: 1.8rem 2.2rem; }
.footer-legal-links { display: flex; flex-wrap: wrap; gap: 0.4rem 1.6rem; margin-bottom: 1.2rem; }
.footer-legal-links a { font-size: 0.85rem; text-decoration: none; color: rgba(255,255,255,0.55); transition: color 0.15s ease; }
.footer-legal-links a:hover { color: var(--gold-bright); }
.footer-legal p { font-size: 0.78rem; line-height: 1.65; color: rgba(255,255,255,0.4); max-width: 100ch; }
.footer-legal p + p { margin-top: 0.8rem; }
.footer-legal a { color: rgba(255,255,255,0.55); }
.tx-disclosure { font-size: 0.72rem !important; letter-spacing: 0.01em; color: rgba(255,255,255,0.35) !important; }

@media (max-width: 880px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   STICKY MOBILE CTA
   ========================================================================== */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  padding: 0.8rem clamp(1.25rem, 4vw, 2.5rem) calc(0.8rem + env(safe-area-inset-bottom));
  background: rgba(252, 251, 247, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid var(--line);
  transform: translateY(110%);
  transition: transform 0.3s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.sticky-cta.show { transform: none; }
@media (min-width: 761px) { .sticky-cta { display: none; } }

/* ==========================================================================
   LEAD MODAL — multi-step "Start My Mortgage Plan"
   ========================================================================== */
.lead-modal {
  border: 0; padding: 0; margin: auto;
  width: min(620px, calc(100vw - 2rem));
  max-height: min(92dvh, 860px);
  background: var(--paper);
  color: var(--ink);
  border-radius: var(--radius-lg);
  box-shadow: 0 40px 120px rgba(0,0,0,0.35);
}
.lead-modal::backdrop { background: rgba(23, 20, 15, 0.55); backdrop-filter: blur(4px); }
.lead-modal[open] { animation: modalIn 0.3s cubic-bezier(0.2, 0.7, 0.3, 1); }
@keyframes modalIn { from { opacity: 0; transform: translateY(16px) scale(0.98); } }

.lead-inner { position: relative; padding: clamp(1.8rem, 4vw, 2.6rem); }
.lead-close {
  position: absolute; top: 1rem; right: 1rem; z-index: 2;
  width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center;
  color: var(--ink-45);
  transition: background-color 0.15s ease, color 0.15s ease;
}
.lead-close:hover { background: rgba(23,20,15,0.06); color: var(--ink); }
.lead-close svg { width: 18px; height: 18px; }

.lead-step h2 { font-size: clamp(1.6rem, 3vw, 2rem); margin-bottom: 0.6rem; }
.lead-sub { color: var(--ink-70); font-size: 0.98rem; margin-bottom: 1.6rem; max-width: 48ch; }

.step-dots { display: flex; gap: 0.45rem; margin-bottom: 1.4rem; }
.step-dots span {
  width: 26px; height: 4px; border-radius: 99px;
  background: rgba(23,20,15,0.12);
  transition: background-color 0.25s ease;
}
.step-dots span.active { background: var(--gold); }

/* Goal choice cards */
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
.choice {
  display: flex; align-items: center; gap: 0.9rem;
  text-align: left;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  padding: 1.05rem 1.15rem;
  transition: border-color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
}
.choice:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.choice-icon {
  width: 42px; height: 42px; border-radius: 11px; flex: none;
  display: grid; place-items: center;
  background: var(--gold-tint); color: var(--gold-deep);
}
.choice-icon svg { width: 23px; height: 23px; }
.choice strong { display: block; font-size: 0.97rem; }
.choice small { display: block; font-size: 0.8rem; color: var(--ink-45); margin-top: 0.1rem; }
@media (max-width: 560px) { .choice-grid { grid-template-columns: 1fr; } }

.lead-back {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.88rem; font-weight: 500; color: var(--ink-45);
  margin-bottom: 1.1rem;
  transition: color 0.15s ease;
}
.lead-back:hover { color: var(--ink); }
.lead-back svg { width: 14px; height: 14px; }

/* Refinance handoff step inside the modal */
.refi-hand { text-align: center; padding-block: 0.5rem; }
.refi-hand-icon {
  width: 64px; height: 64px; margin: 0 auto 1.2rem;
  border-radius: 18px; display: grid; place-items: center;
  background: var(--gold-tint); color: var(--gold-deep);
}
.refi-hand-icon svg { width: 34px; height: 34px; }
.refi-hand h2 { margin-bottom: 0.7rem; }
.refi-hand p { color: var(--ink-70); max-width: 44ch; margin-inline: auto; }
.refi-hand .btn { margin-top: 1.6rem; }
.refi-hand .text-link { display: inline-block; margin-top: 1.1rem; font-size: 0.93rem; }
.refi-hand .external-note { justify-content: center; }

#leadSubmit { margin-top: 1.4rem; }
#leadSubmit[disabled], #contactSubmit[disabled] { opacity: 0.6; cursor: wait; transform: none; }

/* Success step */
.lead-success { text-align: center; padding-block: 1.5rem; }
.success-mark { width: 76px; margin: 0 auto 1.4rem; }
.success-mark circle { stroke-dasharray: 200; stroke-dashoffset: 200; animation: draw 0.7s ease forwards; }
.success-mark path { stroke-dasharray: 60; stroke-dashoffset: 60; animation: draw 0.5s ease 0.5s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@media (prefers-reduced-motion: reduce) {
  .success-mark circle, .success-mark path { stroke-dashoffset: 0; animation: none; }
}
.lead-success h2 { margin-bottom: 0.8rem; }
.lead-success p { color: var(--ink-70); max-width: 42ch; margin-inline: auto; }
.success-ref { margin-top: 1.2rem; font-size: 0.85rem; color: var(--ink-45); }
.success-ref span { font-variant-numeric: tabular-nums; font-weight: 600; color: var(--ink-70); }
.lead-success .btn { margin-top: 1.6rem; }

@media (max-width: 560px) {
  .field-row { grid-template-columns: 1fr; gap: 0; }
}

/* ==========================================================================
   LOAN OPTIONS — program blocks
   ========================================================================== */
.program {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.7rem, 3.5vw, 2.4rem);
  box-shadow: var(--shadow-sm);
  transition: border-color 0.22s ease, box-shadow 0.22s ease;
  scroll-margin-top: calc(var(--header-h) + 24px);
}
.program:hover { border-color: rgba(180,137,46,0.4); box-shadow: var(--shadow-md); }
.program + .program { margin-top: 1.4rem; }
.program-head { display: flex; align-items: flex-start; gap: 1.2rem; margin-bottom: 1.4rem; }
.program-head .benefit-icon { margin-bottom: 0; }
.program-head h3 { font-family: var(--font-display); font-size: 1.5rem; }
.program-tagline { font-size: 0.95rem; color: var(--ink-70); margin-top: 0.25rem; }
.program-cols {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.2rem, 2.5vw, 2rem);
  padding-top: 1.4rem;
  border-top: 1px solid var(--line);
}
.program-col h4 {
  font-size: 0.75rem; font-weight: 600; letter-spacing: 0.11em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 0.7rem;
}
.program-col ul { display: flex; flex-direction: column; gap: 0.5rem; }
.program-col li {
  display: flex; gap: 0.6rem; align-items: flex-start;
  font-size: 0.9rem; color: var(--ink-70);
}
.program-col .icon { width: 0.95em; height: 0.95em; color: var(--gold-deep); margin-top: 0.28em; }
.program-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; margin-top: 1.6rem; }
.program-foot .micro-trust { margin-top: 0; }
@media (max-width: 820px) {
  .program-cols { grid-template-columns: 1fr; }
  .program-head { flex-direction: column; gap: 0.9rem; }
}

/* ==========================================================================
   TIMELINE (buy page journey)
   ========================================================================== */
.timeline { position: relative; display: flex; flex-direction: column; gap: clamp(2rem, 4vw, 2.8rem); max-width: 760px; }
.timeline::before {
  content: ""; position: absolute; left: 25px; top: 14px; bottom: 14px;
  width: 2px; background: var(--line);
}
.timeline-step { position: relative; display: flex; gap: 1.6rem; }
.timeline-num {
  position: relative; z-index: 1; flex: none;
  width: 52px; height: 52px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--paper); border: 2px solid var(--gold);
  font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; color: var(--gold-deep);
}
.timeline-body h3 { margin-bottom: 0.5rem; font-size: 1.3rem; font-family: var(--font-display); }
.timeline-body p { font-size: 0.98rem; color: var(--ink-70); max-width: 58ch; }
.timeline-body .fine-print { margin-top: 0.6rem; }

/* ==========================================================================
   LEGAL PAGES
   ========================================================================== */
.back-home {
  margin-left: auto;
  font-size: 0.95rem; font-weight: 500; text-decoration: none; color: var(--ink-70);
  white-space: nowrap; transition: color 0.15s ease;
}
.back-home:hover { color: var(--gold-deep); }

.legal-hero {
  padding: clamp(3rem, 6vw, 4.5rem) 0 clamp(2rem, 4vw, 3rem);
  border-bottom: 1px solid var(--line);
}
.legal-hero h1 { font-size: clamp(2.1rem, 4.2vw, 3.1rem); }
.legal-updated { color: var(--ink-45); font-size: 0.9rem; margin-top: 0.9rem; }

.legal { padding-block: clamp(2.5rem, 5vw, 4rem) clamp(4rem, 7vw, 6rem); }
.legal .container { max-width: 820px; }
.legal h2 { font-size: 1.45rem; margin: 2.6rem 0 0.8rem; }
.legal p { color: var(--ink-70); margin-bottom: 1rem; max-width: 70ch; }
.legal ul { list-style: disc; padding-left: 1.4rem; color: var(--ink-70); margin-bottom: 1rem; max-width: 68ch; }
.legal li { margin-bottom: 0.45rem; }
.legal li::marker { color: var(--gold); }
.legal strong { color: var(--ink); }
.legal a { color: var(--gold-deep); }

.notice-box {
  background: var(--gold-tint);
  border: 1px solid rgba(180, 137, 46, 0.35);
  border-radius: var(--radius);
  padding: 1.1rem 1.3rem;
  font-size: 0.95rem; line-height: 1.6; color: var(--ink-70);
  margin-bottom: 1.5rem;
}
.notice-box strong { color: var(--gold-deep); }