/* ================================================================
   STREAMLINE MORTGAGES — Master Stylesheet
   Brand: #0D369F (Streamline Blue)
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700;9..144,800&family=Inter:wght@400;500;600;700&display=swap');

:root {
  /* Brand palette — exact match to logo */
  --brand: #0D369F;
  --brand-deep: #0A2A7E;
  --brand-bright: #1A4FCC;
  --brand-soft: #E8EEFB;
  --brand-mist: #F4F6FC;

  /* Neutrals */
  --ink: #0E1220;
  --ink-soft: #2B3147;
  --muted: #5A6378;
  --line: #E4E7EE;
  --cream: #FAF7F1;
  --cream-deep: #F2EDE2;
  --white: #FFFFFF;

  /* Accent */
  --gold: #C9A961;
  --success: #1F7A3D;
  --warn: #C24B1F;

  /* Type */
  --font-display: 'Fraunces', 'Times New Roman', serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;

  /* Layout */
  --maxw: 1240px;
  --gutter: clamp(20px, 4vw, 48px);
  --radius: 4px;
  --radius-lg: 12px;

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

/* ================================================================
   TYPOGRAPHY
   ================================================================ */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.05;
  color: var(--ink);
}
h1 { font-size: clamp(2.5rem, 6vw, 4.75rem); font-weight: 500; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); }
h3 { font-size: clamp(1.5rem, 2.5vw, 2rem); }
h4 { font-size: 1.25rem; }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brand);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--brand);
}

p { color: var(--ink-soft); }
.lede { font-size: clamp(1.05rem, 1.4vw, 1.25rem); line-height: 1.55; color: var(--ink-soft); max-width: 60ch; }

/* ================================================================
   LAYOUT PRIMITIVES
   ================================================================ */
.wrap { max-width: var(--maxw); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.section { padding: clamp(64px, 9vw, 120px) 0; }
.section-tight { padding: clamp(48px, 6vw, 80px) 0; }

.grid { display: grid; gap: clamp(24px, 3vw, 40px); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

/* ================================================================
   NAVIGATION
   ================================================================ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s var(--ease), background .3s var(--ease);
}
.nav.scrolled { border-bottom-color: var(--line); }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
}
.nav-logo img { height: 42px; width: auto; display: block; }
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-menu a {
  display: inline-block;
  padding: 8px 14px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-soft);
  border-radius: 6px;
  transition: color .2s var(--ease), background .2s var(--ease);
  position: relative;
}
.nav-menu a:hover, .nav-menu a.active { color: var(--brand); background: var(--brand-mist); }
.nav-menu .has-dropdown { position: relative; }
.nav-menu .dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 280px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 48px -16px rgba(13, 54, 159, 0.18);
  padding: 12px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all .25s var(--ease);
  list-style: none;
}
.nav-menu .has-dropdown:hover .dropdown,
.nav-menu .has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: 10px 14px;
  font-size: 0.9rem;
  border-radius: 6px;
  color: var(--ink);
}
.dropdown a:hover { background: var(--brand-mist); color: var(--brand); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  background: var(--brand);
  color: var(--white) !important;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.9rem;
  transition: background .2s var(--ease), transform .2s var(--ease);
}
.nav-cta:hover { background: var(--brand-deep) !important; transform: translateY(-1px); }
.nav-cta::after { content: '→'; transition: transform .2s var(--ease); }
.nav-cta:hover::after { transform: translateX(3px); }

.nav-toggle {
  display: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  border-radius: 6px;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ink);
  position: relative;
}
.nav-toggle span::before, .nav-toggle span::after {
  content: '';
  position: absolute;
  left: 0;
  width: 22px;
  height: 2px;
  background: var(--ink);
  transition: transform .3s var(--ease);
}
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }

@media (max-width: 980px) {
  .nav-toggle { display: inline-flex; }
  .nav-menu {
    position: fixed;
    inset: 76px 0 0 0;
    flex-direction: column;
    align-items: stretch;
    background: var(--white);
    padding: 24px var(--gutter);
    gap: 4px;
    transform: translateX(100%);
    transition: transform .35s var(--ease);
    overflow-y: auto;
  }
  .nav-menu.open { transform: translateX(0); }
  .nav-menu a { padding: 14px 16px; font-size: 1rem; }
  .nav-menu .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 0 0 8px 16px;
    border-left: 2px solid var(--brand-soft);
    margin: 4px 0 8px;
  }
  .nav-cta { margin-top: 12px; justify-content: center; }
}

/* ================================================================
   BUTTONS
   ================================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 26px;
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: 999px;
  transition: all .25s var(--ease);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary { background: var(--brand); color: var(--white); }
.btn-primary:hover { background: var(--brand-deep); transform: translateY(-2px); box-shadow: 0 12px 24px -10px rgba(13, 54, 159, 0.5); }
.btn-secondary { background: var(--ink); color: var(--white); }
.btn-secondary:hover { background: var(--brand); }
.btn-ghost { background: transparent; color: var(--brand); border: 1.5px solid var(--brand); }
.btn-ghost:hover { background: var(--brand); color: var(--white); }
.btn-light { background: var(--white); color: var(--brand); }
.btn-light:hover { background: var(--cream); }
.btn::after { content: '→'; transition: transform .2s var(--ease); }
.btn:hover::after { transform: translateX(4px); }
.btn-no-arrow::after { display: none; }

/* ================================================================
   HERO — Editorial split layout
   ================================================================ */
.hero {
  position: relative;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  overflow: hidden;
  padding: clamp(80px, 12vw, 140px) 0 clamp(60px, 9vw, 100px);
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(13, 54, 159, 0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero h1 {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(2.75rem, 6.5vw, 5.5rem);
  letter-spacing: -0.035em;
  line-height: 0.98;
  color: var(--ink);
}
.hero h1 em {
  font-style: italic;
  font-weight: 500;
  color: var(--brand);
  font-feature-settings: "ss01";
}
.hero-lede {
  margin-top: 28px;
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: var(--ink-soft);
  max-width: 52ch;
  line-height: 1.55;
}
.hero-actions {
  margin-top: 36px;
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}
.hero-stats {
  margin-top: 56px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
}
.hero-stat .num {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 500;
  color: var(--brand);
  line-height: 1;
  letter-spacing: -0.02em;
}
.hero-stat .lbl {
  margin-top: 8px;
  font-size: 0.8rem;
  color: var(--muted);
  letter-spacing: 0.04em;
}

/* Hero rate card */
.rate-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 30px 60px -30px rgba(13, 54, 159, 0.25);
  position: relative;
}
.rate-card::before {
  content: 'TODAY';
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--ink);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  padding: 6px 12px;
  border-radius: 4px;
}
.rate-card h3 {
  font-size: 1.1rem;
  margin-bottom: 20px;
  color: var(--muted);
  font-family: var(--font-body);
  font-weight: 500;
  letter-spacing: 0.02em;
}
.rate-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}
.rate-row:last-child { border-bottom: none; }
.rate-row .term { font-size: 0.92rem; color: var(--ink-soft); font-weight: 500; }
.rate-row .rate {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--brand);
  letter-spacing: -0.01em;
}
.rate-row .rate small { font-size: 0.8rem; color: var(--muted); margin-left: 2px; font-weight: 400; }
.rate-disclaimer {
  margin-top: 16px;
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.45;
}

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 20px; }
}

/* ================================================================
   HERO LEAD CARD
   ================================================================ */
.lead-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px 32px 32px;
  box-shadow: 0 30px 60px -30px rgba(13, 54, 159, 0.25);
  position: relative;
}
.lead-card-badge {
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--brand);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  padding: 6px 14px;
  border-radius: 4px;
}
.lead-card-title {
  font-family: var(--font-display);
  font-size: 1.65rem;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 8px;
  line-height: 1.15;
  letter-spacing: -0.02em;
}
.lead-card-title em {
  font-style: italic;
  font-weight: 500;
  color: var(--brand);
}
.lead-card-sub {
  font-size: 0.92rem;
  color: var(--muted);
  margin-bottom: 24px;
  line-height: 1.5;
}
.lead-form .field { margin-bottom: 14px; }
.lead-form .field label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0.02em;
  margin-bottom: 6px;
  display: block;
}
.lead-form input, .lead-form select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  font: inherit;
  font-size: 0.95rem;
  background: var(--white);
  color: var(--ink);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.lead-form input:focus, .lead-form select:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 4px var(--brand-mist);
}
.lead-form .field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 540px) {
  .lead-form .field-row { grid-template-columns: 1fr; }
}
.lead-submit {
  width: 100%;
  justify-content: center;
  margin-top: 8px;
  padding: 16px 24px;
  font-size: 1rem;
}
.lead-disclaimer {
  margin-top: 14px;
  font-size: 0.72rem;
  color: var(--muted);
  line-height: 1.4;
  text-align: center;
}
.lead-disclaimer a { color: var(--brand); text-decoration: underline; }

/* ================================================================
   TRUST BAR (existing)
   ================================================================ */
.trust-bar {
  background: var(--ink);
  color: var(--white);
  padding: 24px 0;
  overflow: hidden;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-label {
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
}
.trust-lenders {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
  align-items: center;
}
.trust-lenders span {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1rem;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.02em;
}

/* ================================================================
   CARDS
   ================================================================ */
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all .3s var(--ease);
  position: relative;
  overflow: hidden;
}
.card:hover {
  border-color: var(--brand);
  transform: translateY(-4px);
  box-shadow: 0 20px 40px -20px rgba(13, 54, 159, 0.2);
}
.card-num {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--brand);
  letter-spacing: 0.04em;
  margin-bottom: 20px;
  display: block;
  font-feature-settings: "tnum";
}
.card h3 {
  font-size: 1.4rem;
  margin-bottom: 12px;
  font-weight: 500;
}
.card p { font-size: 0.95rem; line-height: 1.55; }
.card-link {
  margin-top: 20px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--brand);
  letter-spacing: 0.02em;
}
.card-link::after { content: '→'; transition: transform .2s var(--ease); }
.card:hover .card-link::after { transform: translateX(4px); }

/* Solution card variant */
.solution-card {
  display: flex;
  flex-direction: column;
  height: 100%;
}
.solution-card .icon {
  width: 48px;
  height: 48px;
  background: var(--brand-mist);
  color: var(--brand);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: all .3s var(--ease);
}
.solution-card .icon svg { width: 24px; height: 24px; }
.solution-card:hover .icon { background: var(--brand); color: var(--white); }
.solution-card .card-link { margin-top: auto; padding-top: 20px; }

/* ================================================================
   SECTION HEADERS
   ================================================================ */
.section-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: end;
  margin-bottom: 56px;
}
.section-head h2 { max-width: 18ch; }
.section-head .lede { margin-top: 0; }
@media (max-width: 760px) {
  .section-head { grid-template-columns: 1fr; gap: 16px; }
}
.section-head-center {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}
.section-head-center .eyebrow { justify-content: center; }
.section-head-center .eyebrow::before { display: none; }
.section-head-center .lede { margin: 16px auto 0; }

/* ================================================================
   PROCESS STEPS
   ================================================================ */
.process {
  background: var(--cream);
  position: relative;
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 12.5%;
  right: 12.5%;
  height: 1px;
  background: linear-gradient(to right, transparent, var(--brand), transparent);
  opacity: 0.3;
}
.process-step {
  padding: 0 16px;
  text-align: center;
  position: relative;
}
.process-step .dot {
  width: 64px;
  height: 64px;
  margin: 0 auto 24px;
  background: var(--white);
  border: 2px solid var(--brand);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  color: var(--brand);
  position: relative;
  z-index: 1;
  transition: all .3s var(--ease);
}
.process-step:hover .dot { background: var(--brand); color: var(--white); transform: scale(1.05); }
.process-step h4 { font-size: 1.1rem; margin-bottom: 8px; font-weight: 600; font-family: var(--font-body); letter-spacing: 0; }
.process-step p { font-size: 0.9rem; color: var(--muted); }
@media (max-width: 760px) {
  .process-grid { grid-template-columns: 1fr 1fr; gap: 32px 16px; }
  .process-grid::before { display: none; }
}

/* ================================================================
   TESTIMONIALS
   ================================================================ */
.testimonial {
  background: var(--brand);
  color: var(--white);
  padding: clamp(60px, 9vw, 100px) 0;
  position: relative;
  overflow: hidden;
}
.testimonial::before {
  content: '"';
  position: absolute;
  top: -80px;
  left: 5%;
  font-family: var(--font-display);
  font-size: 30rem;
  color: rgba(255,255,255,0.06);
  line-height: 1;
  pointer-events: none;
}
.testimonial-quote {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(1.5rem, 3vw, 2.5rem);
  line-height: 1.25;
  letter-spacing: -0.02em;
  max-width: 900px;
  position: relative;
  z-index: 1;
}
.testimonial-quote em { font-style: italic; color: rgba(255,255,255,0.95); font-weight: 500; }
.testimonial-attr {
  margin-top: 32px;
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 0.9rem;
}
.testimonial-attr .name { font-weight: 600; }
.testimonial-attr .role { color: rgba(255,255,255,0.7); }

/* ================================================================
   FORMS
   ================================================================ */
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(28px, 4vw, 48px);
  box-shadow: 0 24px 48px -24px rgba(13, 54, 159, 0.15);
}
.form-step {
  display: none;
}
.form-step.active { display: block; animation: fadeIn .3s var(--ease); }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.form-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 36px;
}
.form-progress span {
  flex: 1;
  height: 4px;
  background: var(--line);
  border-radius: 2px;
  transition: background .3s var(--ease);
}
.form-progress span.done { background: var(--brand); }

.form-step h3 { font-size: 1.5rem; margin-bottom: 8px; }
.form-step .step-sub { color: var(--muted); margin-bottom: 28px; font-size: 0.95rem; }

.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
  letter-spacing: 0.01em;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  font: inherit;
  background: var(--white);
  color: var(--ink);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 4px var(--brand-mist);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 540px) { .field-row { grid-template-columns: 1fr; } }

.radio-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 10px;
}
.radio-tile {
  position: relative;
  cursor: pointer;
}
.radio-tile input { position: absolute; opacity: 0; pointer-events: none; }
.radio-tile span {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 12px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 500;
  text-align: center;
  transition: all .2s var(--ease);
}
.radio-tile input:checked + span {
  border-color: var(--brand);
  background: var(--brand-mist);
  color: var(--brand);
  font-weight: 600;
}
.radio-tile:hover span { border-color: var(--brand-bright); }

.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.form-nav .step-num { font-size: 0.85rem; color: var(--muted); }

/* ================================================================
   CALCULATOR
   ================================================================ */
.calc-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 40px;
  align-items: start;
}
@media (max-width: 880px) { .calc-grid { grid-template-columns: 1fr; } }

.calc-controls {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.calc-result {
  background: var(--ink);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: sticky;
  top: 100px;
}
.calc-result .label {
  font-size: 0.8rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 12px;
}
.calc-result .big-num {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5vw, 3.75rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1;
  color: var(--white);
}
.calc-result .big-num small { font-size: 1rem; color: rgba(255,255,255,0.5); margin-left: 6px; font-family: var(--font-body); }
.calc-breakdown {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.15);
  display: grid;
  gap: 12px;
}
.calc-breakdown div {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
}
.calc-breakdown div span:first-child { color: rgba(255,255,255,0.7); }
.calc-breakdown div span:last-child { font-weight: 600; font-variant-numeric: tabular-nums; }

.slider-field { margin-bottom: 24px; }
.slider-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}
.slider-head label { font-size: 0.9rem; font-weight: 600; }
.slider-head .val {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--brand);
  font-variant-numeric: tabular-nums;
}
.slider-field input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: var(--line);
  border-radius: 2px;
  outline: none;
}
.slider-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--brand);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--brand), 0 4px 12px rgba(13, 54, 159, 0.4);
  transition: transform .15s var(--ease);
}
.slider-field input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider-field input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--brand);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--brand);
}

/* ================================================================
   FAQ
   ================================================================ */
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--ink);
  transition: color .2s var(--ease);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: var(--font-body);
  font-size: 1.5rem;
  color: var(--brand);
  font-weight: 300;
  transition: transform .3s var(--ease);
  flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item:hover summary { color: var(--brand); }
.faq-content {
  padding: 0 0 28px;
  color: var(--ink-soft);
  font-size: 0.98rem;
  line-height: 1.65;
  max-width: 70ch;
}

/* ================================================================
   PAGE HERO (smaller)
   ================================================================ */
.page-hero {
  padding: clamp(80px, 10vw, 140px) 0 clamp(40px, 6vw, 80px);
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(13, 54, 159, 0.06) 0%, transparent 70%);
}
.page-hero-inner { position: relative; z-index: 1; max-width: 800px; }
.page-hero h1 {
  font-size: clamp(2.5rem, 5.5vw, 4.5rem);
  font-weight: 400;
  margin-top: 16px;
  letter-spacing: -0.03em;
  line-height: 1;
}
.page-hero h1 em { color: var(--brand); font-weight: 500; }
.page-hero .lede { margin-top: 24px; font-size: clamp(1.05rem, 1.4vw, 1.2rem); }
.breadcrumb {
  display: flex;
  gap: 8px;
  font-size: 0.8rem;
  color: var(--muted);
  letter-spacing: 0.02em;
}
.breadcrumb a:hover { color: var(--brand); }
.breadcrumb span { color: var(--brand); }

/* ================================================================
   CONTENT (article-style)
   ================================================================ */
.content {
  max-width: 760px;
  margin: 0 auto;
}
.content h2 { margin-top: 48px; margin-bottom: 16px; }
.content h3 { margin-top: 32px; margin-bottom: 12px; font-size: 1.5rem; }
.content p { margin-bottom: 18px; font-size: 1.02rem; line-height: 1.7; }
.content ul, .content ol { margin: 0 0 18px 24px; }
.content ul li, .content ol li { margin-bottom: 8px; color: var(--ink-soft); }
.content blockquote {
  border-left: 3px solid var(--brand);
  padding: 8px 0 8px 24px;
  margin: 32px 0;
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-style: italic;
  font-weight: 400;
  color: var(--ink);
  line-height: 1.4;
}
.content strong { color: var(--ink); font-weight: 600; }

/* Feature list */
.feature-list { display: grid; gap: 20px; margin: 32px 0; }
.feature-item {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 16px;
  align-items: start;
}
.feature-item::before {
  content: '✓';
  width: 28px;
  height: 28px;
  background: var(--brand-mist);
  color: var(--brand);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  margin-top: 2px;
}
.feature-item h4 { font-family: var(--font-body); font-size: 1.05rem; font-weight: 600; margin-bottom: 4px; letter-spacing: 0; }
.feature-item p { font-size: 0.95rem; color: var(--ink-soft); margin: 0; }

/* Stat strip */
.stat-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 32px;
  padding: 40px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin: 48px 0;
}
.stat-strip-item .num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 500;
  color: var(--brand);
  letter-spacing: -0.02em;
  line-height: 1;
}
.stat-strip-item .lbl {
  margin-top: 8px;
  font-size: 0.85rem;
  color: var(--muted);
}

/* ================================================================
   CTA BLOCK
   ================================================================ */
.cta-block {
  background: var(--ink);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(40px, 6vw, 72px);
  position: relative;
  overflow: hidden;
}
.cta-block::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(13, 54, 159, 0.4) 0%, transparent 60%);
}
.cta-block-inner { position: relative; z-index: 1; max-width: 700px; }
.cta-block h2 { color: var(--white); }
.cta-block p { color: rgba(255,255,255,0.7); margin: 16px 0 32px; font-size: 1.05rem; max-width: 50ch; }

/* ================================================================
   FOOTER
   ================================================================ */
.footer {
  background: var(--ink);
  color: rgba(255,255,255,0.7);
  padding: 80px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}
.footer-brand img { height: 48px; margin-bottom: 20px; display: block; }
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.9rem; max-width: 32ch; line-height: 1.6; }
.footer h5 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}
.footer ul { list-style: none; display: grid; gap: 10px; }
.footer ul a { font-size: 0.92rem; color: rgba(255,255,255,0.7); transition: color .2s var(--ease); }
.footer ul a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
}
.footer-bottom .legal { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-bottom .legal a:hover { color: var(--white); }

@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 460px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ================================================================
   NEWS / BLOG
   ================================================================ */
.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 32px;
}
.news-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all .3s var(--ease);
}
.news-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px -20px rgba(13, 54, 159, 0.2); border-color: var(--brand-soft); }
.news-card-img {
  aspect-ratio: 16 / 10;
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%);
  position: relative;
  overflow: hidden;
}
.news-card-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 30%, rgba(255,255,255,0.15) 0%, transparent 50%);
}
.news-card-img.var-1 { background: linear-gradient(135deg, var(--brand) 0%, var(--brand-bright) 100%); }
.news-card-img.var-2 { background: linear-gradient(135deg, var(--ink) 0%, var(--brand-deep) 100%); }
.news-card-img.var-3 { background: linear-gradient(135deg, var(--cream-deep) 0%, var(--brand-soft) 100%); }
.news-card-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }
.news-meta {
  display: flex;
  gap: 12px;
  font-size: 0.78rem;
  color: var(--muted);
  letter-spacing: 0.04em;
  margin-bottom: 14px;
}
.news-meta .tag { color: var(--brand); font-weight: 600; }
.news-card h3 { font-size: 1.3rem; margin-bottom: 10px; line-height: 1.2; }
.news-card p { font-size: 0.93rem; line-height: 1.55; }
.news-card .card-link { margin-top: auto; padding-top: 20px; }

/* Featured news */
.news-featured {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 56px;
  background: var(--white);
}
.news-featured-img {
  aspect-ratio: 4 / 3;
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-deep) 100%);
  position: relative;
}
.news-featured-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(255,255,255,0.15) 0%, transparent 50%);
}
.news-featured-body { padding: clamp(32px, 5vw, 60px); display: flex; flex-direction: column; justify-content: center; }
.news-featured h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); margin: 16px 0 20px; }
.news-featured .lede { font-size: 1.05rem; margin-bottom: 28px; }
@media (max-width: 760px) {
  .news-featured { grid-template-columns: 1fr; }
}

/* Article styles */
.article-hero {
  padding: clamp(80px, 10vw, 120px) 0 60px;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
}
.article-hero .breadcrumb { margin-bottom: 24px; }
.article-meta { display: flex; gap: 16px; font-size: 0.85rem; color: var(--muted); margin-bottom: 16px; }
.article-meta .tag { color: var(--brand); font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; font-size: 0.75rem; }
.article-hero h1 { font-size: clamp(2.25rem, 4.5vw, 3.5rem); max-width: 24ch; }
.article-body { padding: 60px 0 80px; }

/* Article hero image (banner between hero and body) */
.article-hero-image {
  padding: 0 0 32px;
  background: var(--white);
}
.article-hero-image .wrap { max-width: 1100px; }
.article-hero-image img {
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 8;
  object-fit: cover;
  border-radius: var(--radius-lg);
  display: block;
}

/* ================================================================
   UTILITIES
   ================================================================ */
.bg-cream { background: var(--cream); }
.bg-mist { background: var(--brand-mist); }
.bg-ink { background: var(--ink); color: var(--white); }
.text-brand { color: var(--brand); }
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 16px; }
.mt-4 { margin-top: 32px; }
.mt-6 { margin-top: 48px; }

/* Reveal animation */
[data-reveal] {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .8s var(--ease), transform .8s var(--ease);
}
[data-reveal].in {
  opacity: 1;
  transform: none;
}

/* Scroll-bar refinement */
::selection { background: var(--brand); color: var(--white); }