/* Public marketing-site design system */

:root {
  /* Shared foundation; MD public tokens retain the other brands' original fallbacks. */
  --brand-primary: var(--md-public-accent,#4353E8);
  --brand-primary-hover: var(--md-public-hover,#3038A8);
  --brand-primary-soft: var(--md-public-mist,#EEF0FF);
  --brand-primary-light: var(--md-public-line,#D9DEFF);
  --brand-dark: var(--md-public-ink,#10243A);
  --brand-dark-soft: #1D3851;
  --brand-accent: var(--md-public-accent,#4353E8);
  --brand-accent-hover: var(--md-public-hover,#3038A8);
  --brand-accent-soft: var(--md-public-mist,#EEF0FF);
  --brand-accent-text: var(--md-public-hover,#3038A8);
  --brand-brass: #C58A48;

  --bg: var(--md-public-mist,#F4F7FA);
  --surface: #FFFFFF;
  --surface-soft: var(--md-public-mist,#F4F7FA);
  --border: var(--md-public-line,#DDE5EC);
  --border-soft: #EAF0F4;

  --text: var(--md-public-ink,#10243A);
  --text-soft: var(--md-public-body,#52677C);
  --text-muted: var(--md-public-body,#65758A);
  --on-primary: #ffffff;

  --success: #10B981;             /* emerald-500 */
  --error: #EF4444;               /* red-500 */

  --shadow-sm: 0 1px 2px rgba(15,23,42,.04);
  --shadow:    0 4px 14px rgba(15,23,42,.07), 0 2px 4px rgba(15,23,42,.04);
  --shadow-lg: 0 24px 56px rgba(15,23,42,.13), 0 6px 14px rgba(15,23,42,.06);
  --shadow-violet: 0 12px 28px rgba(var(--md-public-accent-rgb,67,83,232),.18);

  --radius-sm: 7px;
  --radius: 10px;
  --radius-lg: 14px;
  --radius-xl: 22px;

  --transition: 180ms cubic-bezier(.4, 0, .2, 1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', 'Avenir Next', Avenir, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.55;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--brand-primary); text-decoration: none; }
a:hover { color: var(--brand-primary-hover); }

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

button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* ======================== layout ======================== */

.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

section { padding: 80px 0; }
@media (max-width: 720px) { section { padding: 56px 0; } }

/* ======================== nav ======================== */

.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1.5px solid var(--border);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 24px; max-width: 1180px; margin: 0 auto;
}
.nav-logo { display: flex; align-items: center; gap: 10px; color: var(--brand-dark); }
.nav-links { display: flex; gap: 28px; align-items: center; }
.nav-links a {
  color: var(--text); font-weight: 500; font-size: 14.5px;
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--brand-primary); }
.nav-cta-row { display: flex; gap: 12px; align-items: center; }
.nav-phone {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 16px; border-radius: var(--radius);
  background: var(--surface); border: 1px solid var(--border);
  color: var(--brand-dark); font-weight: 600; font-size: 14px;
  transition: all var(--transition);
}
.nav-phone:hover { border-color: var(--brand-primary); color: var(--brand-primary); }

@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-phone span { display: none; }
}

/* ======================== buttons ======================== */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: var(--radius);
  font-weight: 600; font-size: 14.5px; line-height: 1;
  transition: all var(--transition); cursor: pointer;
  text-decoration: none;
}
.btn-primary {
  background: var(--brand-primary); color: var(--on-primary);
  box-shadow: 0 10px 22px rgba(var(--md-public-accent-rgb,67,83,232),.16);
  border-radius: 999px;
}
.btn-primary:hover {
  background: var(--brand-primary-hover); color: var(--on-primary);
  transform: translateY(-1px); box-shadow: var(--shadow-violet);
}
.btn-secondary {
  background: var(--surface); color: var(--brand-dark);
  border: 1px solid var(--border);
}
.btn-secondary:hover { border-color: var(--brand-primary); color: var(--brand-primary); }
.btn-ghost { background: transparent; color: var(--brand-primary); }
.btn-ghost:hover { background: var(--brand-primary-soft); }
.btn-lg { padding: 16px 32px; font-size: 16px; border-radius: var(--radius); }
.btn-block { width: 100%; }

/* ======================== hero ======================== */

.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 18% -10%, var(--brand-primary-light), transparent 65%),
    radial-gradient(700px 500px at 100% 0%, #f0e1ff, transparent 65%),
    var(--bg);
  padding: 96px 0 80px;
  border-bottom: 1.5px solid var(--border);
}
.hero-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .hero-inner { grid-template-columns: 1fr; gap: 40px; } }

.hero h1 {
  font-size: clamp(36px, 5vw, 56px); line-height: 1.05;
  font-weight: 700; color: var(--brand-dark);
  letter-spacing: -.025em;
  margin-bottom: 20px;
}
.hero h1 em { font-style: normal; color: var(--brand-primary); }
.hero p.lead {
  font-size: 18px; color: var(--text-soft);
  margin-bottom: 32px; max-width: 540px;
}
.hero-cta-row { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }

.hero-trust {
  display: flex; gap: 24px; margin-top: 40px;
  font-size: 13px; color: var(--text-muted);
}
.hero-trust strong { color: var(--brand-dark); }

.hero-visual {
  position: relative; border-radius: var(--radius-xl);
  background: var(--surface); padding: 32px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-soft);
}
.hero-visual::before {
  content: ''; position: absolute; inset: -2px;
  background: linear-gradient(135deg, var(--brand-primary), #ec4899);
  border-radius: var(--radius-xl); z-index: -1; opacity: .15; filter: blur(14px);
}

/* ======================== feature cards ======================== */

.section-title {
  font-size: clamp(28px, 3.5vw, 40px); line-height: 1.15;
  color: var(--brand-dark); font-weight: 700; letter-spacing: -.02em;
  margin-bottom: 16px;
}
.section-sub { color: var(--text-soft); font-size: 17px; max-width: 600px; margin: 0 auto 48px; }
.section-head { text-align: center; margin-bottom: 56px; }

.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }

.feature-card {
  background: var(--surface); padding: 32px;
  border-radius: var(--radius); border: 1.5px solid var(--border);
  transition: all var(--transition);
}
.feature-card:hover {
  border-color: var(--brand-primary);
  transform: translateY(-3px); box-shadow: var(--shadow-violet);
}
.feature-icon {
  width: 48px; height: 48px; border-radius: var(--radius);
  background: var(--brand-primary-soft); color: var(--brand-primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.feature-card h3 { font-size: 19px; color: var(--brand-dark); margin-bottom: 8px; font-weight: 600; }
.feature-card p { color: var(--text-soft); font-size: 14.5px; }

/* loan options grid */
.option-card {
  background: var(--surface); padding: 28px;
  border-radius: var(--radius); border: 1.5px solid var(--border);
  transition: all var(--transition); display: block;
}
.option-card:hover {
  border-color: var(--brand-primary);
  transform: translateY(-3px); box-shadow: var(--shadow-violet);
  color: inherit;
}
.option-card h3 {
  display: flex; align-items: center; justify-content: space-between;
  color: var(--brand-dark); font-size: 18px; font-weight: 600; margin-bottom: 8px;
}
.option-card p { color: var(--text-soft); font-size: 14px; }
.option-card .arrow { color: var(--brand-primary); transition: transform var(--transition); }
.option-card:hover .arrow { transform: translateX(4px); }

/* ======================== calculator widget ======================== */

.calc-widget {
  background: var(--surface); border-radius: var(--radius-xl);
  border: 1px solid var(--border-soft); box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.calc-widget-header { padding: 28px 32px 20px; border-bottom: 1px solid var(--border-soft); }
.calc-widget-header h3 { color: var(--brand-dark); font-size: 20px; font-weight: 600; }
.calc-widget-header p { color: var(--text-soft); font-size: 14px; margin-top: 4px; }
.calc-widget-body { padding: 28px 32px; }
.calc-widget-result {
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand-dark-soft) 100%);
  color: var(--on-primary); padding: 28px 32px; text-align: center;
}
.calc-widget-result .label {
  font-size: 12.5px; text-transform: uppercase; letter-spacing: 1px;
  color: rgba(255, 255, 255, .7); margin-bottom: 8px;
}
.calc-widget-result .amount {
  font-size: 44px; font-weight: 700; letter-spacing: -.02em;
}
.calc-widget-result .amount-sub {
  font-size: 13px; color: rgba(255, 255, 255, .7); margin-top: 6px;
}

/* ======================== sliders ======================== */

.slider-field { margin-bottom: 28px; }
.slider-row {
  display: flex; align-items: baseline; justify-content: space-between;
  margin-bottom: 12px;
}
.slider-label {
  font-size: 13.5px; font-weight: 600; color: var(--text);
  text-transform: uppercase; letter-spacing: .5px;
}
.slider-value {
  font-size: 22px; font-weight: 700; color: var(--brand-dark);
  letter-spacing: -.01em; transition: all var(--transition);
}
input.slider-value {
  font-family: inherit; background: transparent;
  border: 1.5px solid transparent; border-radius: var(--radius-sm);
  padding: 4px 8px; margin: -4px -8px; outline: none;
  text-align: right; max-width: 200px;
}
input.slider-value:hover { border-color: var(--border); background: var(--surface-soft); }
input.slider-value:focus {
  border-color: var(--brand-primary); background: #fff;
  box-shadow: 0 0 0 4px var(--brand-primary-soft);
  color: var(--brand-primary);
}
.slider-value-sub { font-size: 13px; color: var(--text-soft); margin-left: 8px; font-weight: 500; }
.calc-input-feedback { margin: 0; font-size: 13px; line-height: 1.5; color: var(--text); }
.calc-input-feedback:not(:empty) { margin: 0 0 12px; }
.calc-input-feedback[data-kind="error"] { color: #9f2424; }
input.slider-value[aria-invalid="true"] { border-color: #9f2424; background: #fff5f5; }

input[type="range"].slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 3px;
  background: var(--border-soft); outline: none;
  background-image: linear-gradient(var(--brand-primary), var(--brand-primary));
  background-size: 50% 100%; background-repeat: no-repeat;
  transition: background-size 0ms;
}
input[type="range"].slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--brand-primary);
  border: 4px solid var(--surface);
  box-shadow: var(--shadow), 0 0 0 1px var(--brand-primary);
  cursor: grab; transition: transform var(--transition);
}
input[type="range"].slider::-webkit-slider-thumb:active {
  cursor: grabbing; transform: scale(1.1);
}
input[type="range"].slider::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--brand-primary); border: 4px solid var(--surface);
  box-shadow: var(--shadow), 0 0 0 1px var(--brand-primary);
  cursor: grab;
}
.slider-bounds { display: flex; justify-content: space-between; margin-top: 8px; font-size: 12px; color: var(--text-muted); }

.slider-tier {
  margin-top: 10px; padding: 10px 14px; border-radius: var(--radius-sm);
  background: var(--brand-primary-soft); color: var(--brand-primary);
  font-size: 13.5px; font-weight: 600; transition: all var(--transition);
}

/* ======================== forms ======================== */

.field { margin-bottom: 18px; }
.field label {
  display: block; font-size: 13px; font-weight: 600; color: var(--text);
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 6px;
}
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="password"],
.field input[type="number"],
.field input[type="date"],
.field select,
.field textarea {
  width: 100%; padding: 12px 14px; font-size: 15px; color: var(--text);
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
  font-family: inherit;
  -webkit-appearance: none; appearance: none;
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--brand-primary);
  box-shadow: 0 0 0 4px var(--brand-primary-soft);
}

/* chip selector (for purpose / property type) */
.chip-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 10px; }
.chip {
  padding: 18px 16px; text-align: center;
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--radius); cursor: pointer;
  font-size: 14.5px; font-weight: 600; color: var(--text);
  transition: all var(--transition);
}
.chip:hover { border-color: var(--brand-primary-light); }
.chip.selected {
  background: var(--brand-primary); color: var(--on-primary);
  border-color: var(--brand-primary);
  box-shadow: var(--shadow-violet); transform: translateY(-2px);
}
.chip-icon { display: block; margin: 0 auto 8px; }

/* ======================== multi-step form ======================== */

.steps-container {
  background: var(--surface); border-radius: var(--radius-xl);
  border: 1px solid var(--border-soft); box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.steps-progress {
  padding: 24px 32px; background: var(--surface-soft);
  border-bottom: 1px solid var(--border-soft);
}
.steps-progress-bar {
  height: 8px; border-radius: 4px; background: var(--border-soft);
  overflow: hidden; margin-bottom: 12px;
}
.steps-progress-bar-fill {
  height: 100%; background: linear-gradient(90deg, var(--brand-primary), var(--md-public-sky,#a855f7));
  width: 20%; transition: width 400ms cubic-bezier(.4, 0, .2, 1);
  border-radius: 4px;
}
.steps-progress-label {
  display: flex; justify-content: space-between; font-size: 13px;
  color: var(--text-soft); font-weight: 500;
}
.steps-progress-label strong { color: var(--brand-primary); }

.step-panel { padding: 40px 32px; display: none; }
.step-panel.active { display: block; animation: fadeInUp 320ms ease-out; }
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-title {
  font-size: 24px; font-weight: 700; color: var(--brand-dark);
  letter-spacing: -.02em; margin-bottom: 8px;
}
.step-sub { color: var(--text-soft); font-size: 15px; margin-bottom: 28px; }

.step-actions {
  display: flex; justify-content: space-between; gap: 12px;
  padding: 20px 32px; border-top: 1px solid var(--border-soft);
  background: var(--surface-soft);
}
.step-actions .btn-back { color: var(--text-soft); }
.step-actions .btn-back:hover { color: var(--brand-primary); }

/* ======================== footer ======================== */

footer {
  background: var(--brand-dark); color: rgba(255, 255, 255, .8);
  padding: 56px 0 24px;
}
.footer-grid {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px;
  margin-bottom: 40px;
}
@media (max-width: 720px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.footer-brand { color: rgba(255, 255, 255, .9); }
.footer-brand p { font-size: 13.5px; margin-top: 12px; line-height: 1.6; opacity: .8; }
.footer-col h3,
.footer-col h4 {
  color: #fff; font-size: 13px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: rgba(255, 255, 255, .65); font-size: 14px;
  transition: color var(--transition);
}
.footer-col a:hover { color: #fff; }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 24px;
  font-size: 12px; line-height: 1.6; color: rgba(255, 255, 255, .55);
}
.footer-legal p + p { margin-top: 12px; }
.footer-licenses {
  display: flex; gap: 16px; flex-wrap: wrap; margin-top: 8px;
  font-weight: 600; color: rgba(255, 255, 255, .75);
}

/* ======================== thanks page ======================== */

.thanks-card {
  background: var(--surface); padding: 56px 48px;
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg);
  text-align: center; max-width: 560px; margin: 80px auto;
}
.thanks-icon {
  width: 80px; height: 80px; border-radius: 50%;
  background: var(--success); color: #fff;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px; font-size: 40px;
}
.thanks-card h1 {
  font-size: 32px; font-weight: 700; color: var(--brand-dark);
  letter-spacing: -.02em; margin-bottom: 12px;
}
.thanks-card p { color: var(--text-soft); font-size: 16px; margin-bottom: 32px; }

/* ======================== animations ======================== */

@keyframes float-a {
  0%, 100% { transform: translate(0, 0) rotate(0deg); }
  50% { transform: translate(20px, -30px) rotate(8deg); }
}
@keyframes float-b {
  0%, 100% { transform: translate(0, 0) rotate(0deg); }
  50% { transform: translate(-25px, 20px) rotate(-6deg); }
}
@keyframes float-c {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(15px, -18px); }
}
@keyframes pulse-soft {
  0%, 100% { box-shadow: 0 10px 26px rgba(var(--md-public-accent-rgb,67,83,232),.20); }
  50% { box-shadow: 0 14px 34px rgba(var(--md-public-accent-rgb,67,83,232),.30); }
}
@keyframes draw-in {
  from { stroke-dashoffset: 200; }
  to { stroke-dashoffset: 0; }
}

.shape {
  position: absolute; pointer-events: none; z-index: 0;
  filter: blur(1px); opacity: .85;
}
.shape-1 { top: 6%; left: 3%; width: 200px; height: 200px; animation: float-a 16s ease-in-out infinite; }
.shape-2 { bottom: 8%; left: 6%; width: 130px; height: 130px; animation: float-b 20s ease-in-out infinite; }
.shape-3 { top: 18%; right: 4%; width: 110px; height: 110px; animation: float-c 14s ease-in-out infinite; }

.hero > .container { position: relative; z-index: 1; }

.btn-pulse { animation: pulse-soft 3.6s ease-in-out infinite; }

/* scroll reveal */
.reveal {
  opacity: 0; transform: translateY(20px);
  transition: opacity 600ms cubic-bezier(.4,0,.2,1), transform 600ms cubic-bezier(.4,0,.2,1);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal[data-delay="1"] { transition-delay: 80ms; }
.reveal[data-delay="2"] { transition-delay: 160ms; }
.reveal[data-delay="3"] { transition-delay: 240ms; }
.reveal[data-delay="4"] { transition-delay: 320ms; }

/* counter — pre-set its width via tabular-nums so it doesn't reflow during animation */
.counter { font-variant-numeric: tabular-nums; }

/* feature card icon refresh — bigger illustration container */
.feature-card .feature-illus {
  width: 64px; height: 64px; margin-bottom: 20px;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--brand-primary-soft) 0%, #fff 100%);
  border: 1.5px solid var(--brand-primary-light);
}

.option-card .option-illus {
  width: 56px; height: 56px; margin-bottom: 16px;
  display: flex; align-items: center; justify-content: center;
}

/* ======================== small helpers ======================== */

.text-center { text-align: center; }
.mt-2 { margin-top: 16px; } .mt-4 { margin-top: 32px; }
.mb-2 { margin-bottom: 16px; } .mb-4 { margin-bottom: 32px; }


/* ════════════════════════════════════════════════════════════════════════
   2026 HOMEPAGE — big-lender redesign
   ════════════════════════════════════════════════════════════════════════ */

/* ── HERO v2 ───────────────────────────────────────────────────────── */
.hero-v2 {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, #FAFBFF 0%, var(--bg) 100%);
  padding: 80px 0 56px;
}
.hero-bg-grad {
  position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background:
    radial-gradient(800px 400px at 85% -10%, rgba(var(--md-public-accent-rgb,67,83,232),.10), transparent 60%),
    radial-gradient(600px 400px at 5% 30%, rgba(6,182,212,.08), transparent 60%);
}
.hero-v2 .container { position: relative; z-index: 1; }
.hero-v2-inner {
  display: grid; grid-template-columns: minmax(0,1fr) 460px;
  gap: 56px; align-items: center;
}
@media (max-width: 980px) { .hero-v2-inner { grid-template-columns: 1fr; gap: 40px; } }

.hero-v2-title {
  font-size: clamp(44px, 6.2vw, 76px); line-height: 1.02;
  font-weight: 800; letter-spacing: -.035em; color: var(--text);
  margin-bottom: 22px;
}
.hero-v2-title-grad {
  background: linear-gradient(120deg, var(--brand-primary) 0%, var(--md-public-sky,#818CF8) 50%, var(--brand-accent) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-v2-lead {
  font-size: 19px; line-height: 1.55; color: var(--text-soft);
  margin-bottom: 32px; max-width: 540px;
}
.hero-v2-cta-row {
  display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px;
}
.btn-mega {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 16px 28px; border-radius: 999px; font-size: 16px; font-weight: 800;
  background: var(--brand-primary); color: #fff;
  text-decoration: none; letter-spacing: -.005em;
  box-shadow: 0 12px 26px rgba(var(--md-public-accent-rgb,67,83,232),.18), 0 1px 3px rgba(var(--md-public-accent-rgb,67,83,232),.12);
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
}
.btn-mega:hover {
  background: var(--brand-primary-hover); color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 16px 30px rgba(var(--md-public-accent-rgb,67,83,232),.22), 0 2px 6px rgba(var(--md-public-accent-rgb,67,83,232),.14);
}
.btn-mega-ghost {
  background: #fff; color: var(--text); box-shadow: none;
  border: 1.5px solid var(--border);
}
.btn-mega-ghost:hover {
  background: var(--bg); color: var(--brand-primary); border-color: var(--brand-primary);
  box-shadow: 0 4px 14px rgba(15,23,42,.06);
}
.btn-mega-ghost-dark {
  background: rgba(255,255,255,.10); color: #fff;
  border: 1.5px solid rgba(255,255,255,.30); box-shadow: none;
}
.btn-mega-ghost-dark:hover {
  background: rgba(255,255,255,.18); color: #fff; border-color: rgba(255,255,255,.50);
}

.hero-v2-trust {
  display: flex; gap: 22px; align-items: center; flex-wrap: wrap;
  padding-top: 22px; border-top: 1px solid var(--border-soft);
}
.trust-item .trust-stars {
  font-size: 14px; color: #F59E0B; letter-spacing: .08em; font-weight: 700;
}
.trust-item .trust-num {
  font-size: 15px; font-weight: 800; color: var(--brand-primary); letter-spacing: -.01em;
}
.trust-item .trust-label {
  font-size: 12.5px; color: var(--text-muted); margin-top: 2px; font-weight: 500;
}
.trust-divider { width: 1px; height: 32px; background: var(--border); }

/* Calculator card in hero */
.hero-v2-calc, .hero-v2-illus { display: flex; justify-content: flex-end; position: relative; }

/* === Animated hero illustration === */
.hero-illus-svg { width: 100%; max-width: 460px; height: auto; display: block; }

.hi-sun {
  transform-origin: 350px 120px;
  animation: hi-sun-pulse 6s ease-in-out infinite;
}
.hi-house-grp {
  transform-origin: center;
  animation: hi-house-rise 1s cubic-bezier(.34,1.32,.64,1) both;
}
@keyframes hi-house-rise {
  from { transform: translateY(18px); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
@keyframes hi-sun-pulse {
  0%, 100% { transform: scale(1); opacity: .9; }
  50%      { transform: scale(1.08); opacity: 1; }
}

.hi-badge {
  transform-origin: 370px 260px;
  animation: hi-badge-pop 1s cubic-bezier(.34,1.4,.64,1) .35s both;
}
.hi-badge-ring {
  transform-origin: 370px 260px;
  animation: hi-badge-ring 2.6s ease-out infinite;
}
@keyframes hi-badge-pop {
  from { transform: scale(.2); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes hi-badge-ring {
  0%   { transform: scale(1); opacity: .6; }
  100% { transform: scale(1.55); opacity: 0; }
}

.hi-coin { transform-origin: center; }
.hi-coin-1 { animation: hi-float-a 4.5s ease-in-out infinite, hi-fade .7s ease-out .4s both; transform: translate(105px, 175px); }
.hi-coin-2 { animation: hi-float-b 5.5s ease-in-out infinite, hi-fade .7s ease-out .55s both; transform: translate(360px, 195px); }
.hi-coin-3 { animation: hi-float-c 4s ease-in-out infinite, hi-fade .7s ease-out .7s both; transform: translate(80px, 285px); }
@keyframes hi-float-a { 0%,100% { transform: translate(105px, 175px) rotate(-3deg); } 50% { transform: translate(108px, 165px) rotate(2deg); } }
@keyframes hi-float-b { 0%,100% { transform: translate(360px, 195px) rotate(2deg); }  50% { transform: translate(355px, 205px) rotate(-3deg); } }
@keyframes hi-float-c { 0%,100% { transform: translate(80px, 285px) rotate(-1deg); }  50% { transform: translate(85px, 275px) rotate(3deg); } }
@keyframes hi-fade { from { opacity: 0; } to { opacity: 1; } }

.hi-chart {
  animation: hi-chart-slide .9s cubic-bezier(.34,1.32,.64,1) .5s both;
}
@keyframes hi-chart-slide {
  from { transform: translate(38px, 320px); opacity: 0; }
  to   { transform: translate(50px, 320px); opacity: 1; }
}
.hi-trend {
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
  animation: hi-trend-draw 1.6s ease-out 1s forwards;
}
@keyframes hi-trend-draw { to { stroke-dashoffset: 0; } }

.hi-spark { animation-iteration-count: infinite; animation-timing-function: ease-in-out; }
.hi-spark-1 { transform: translate(195px, 145px); animation: hi-spark-a 3.2s 0.4s infinite; }
.hi-spark-2 { transform: translate(330px, 145px); animation: hi-spark-b 3.6s 1.1s infinite; }
.hi-spark-3 { transform: translate(245px, 95px);  animation: hi-spark-c 3.4s 0.7s infinite; }
@keyframes hi-spark-a { 0%,40%,100% { opacity:0; transform: translate(195px,145px) scale(.5); } 50% { opacity:1; transform: translate(195px,140px) scale(1.1); } }
@keyframes hi-spark-b { 0%,40%,100% { opacity:0; transform: translate(330px,145px) scale(.5); } 60% { opacity:1; transform: translate(335px,140px) scale(1.1); } }
@keyframes hi-spark-c { 0%,40%,100% { opacity:0; transform: translate(245px, 95px) scale(.5); } 55% { opacity:1; transform: translate(248px, 90px) scale(1.1); } }

/* Estimated-payment pill anchored to the illustration */
.hi-pill {
  position: absolute; right: -8px; bottom: 30px;
  background: #fff; border-radius: 14px;
  padding: 16px 20px 18px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  min-width: 220px;
  animation: hi-pill-pop 1s cubic-bezier(.34,1.32,.64,1) .6s both;
}
@keyframes hi-pill-pop {
  from { transform: translateY(20px) scale(.96); opacity: 0; }
  to   { transform: translateY(0) scale(1); opacity: 1; }
}
.hi-pill-amt { font-size: 28px; font-weight: 800; letter-spacing: -.02em; color: var(--text); line-height: 1; }
.hi-pill-sub { font-size: 11.5px; color: var(--text-muted); margin-top: 6px; line-height: 1.4; }
.hi-pill-cta {
  display: inline-block; margin-top: 10px;
  font-size: 12.5px; font-weight: 700; color: var(--brand-primary);
  text-decoration: none;
}
.hi-pill-cta:hover { text-decoration: underline; }
@media (max-width: 980px) {
  .hi-pill { position: relative; right: 0; bottom: 0; margin: -40px auto 0; }
}
@media (prefers-reduced-motion: reduce) {
  .hi-sun, .hi-coin, .hi-badge-ring, .hi-spark { animation: none; }
}
.calc-card {
  width: 100%; max-width: 460px;
  background: #fff; border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden; border: 1px solid var(--border-soft);
}
.calc-card-head {
  padding: 26px 28px 22px;
  background: linear-gradient(135deg, var(--brand-primary) 0%, var(--md-public-sky,#8B5CF6) 100%);
  color: #fff;
}
.calc-card-amount {
  font-size: 44px; font-weight: 800; letter-spacing: -.03em; line-height: 1;
}
.calc-card-sub {
  font-size: 13px; opacity: .85; margin-top: 6px; font-weight: 500;
}
.calc-card-body { padding: 22px 26px 26px; }
.calc-card-body .slider-field { margin-bottom: 18px; }
.calc-card-body .slider-row {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 7px; font-size: 13px;
}
.calc-card-body .slider-label { color: var(--text-muted); font-weight: 600; }
.calc-card-body .slider-value {
  font-weight: 700; color: var(--text); border: none; background: transparent;
  text-align: right; width: 110px; font-size: 14px; font-family: inherit;
  padding: 2px 4px; border-radius: 4px;
}
.calc-card-body .slider-value:focus { outline: none; background: var(--brand-primary-soft); }
.calc-card-body .slider-value-sub { font-size: 11.5px; color: var(--text-muted); margin-left: 4px; }
.calc-card-body .slider {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 5px; border-radius: 999px; background: var(--border); outline: none;
}
.calc-card-body .slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px; border-radius: 50%; background: var(--brand-primary);
  border: 3px solid #fff; box-shadow: 0 2px 6px rgba(var(--md-public-accent-rgb,67,83,232),.32); cursor: pointer;
}
.calc-card-body .slider::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%; background: var(--brand-primary);
  border: 3px solid #fff; box-shadow: 0 2px 6px rgba(var(--md-public-accent-rgb,67,83,232),.32); cursor: pointer; border-style: solid;
}
.btn-cta-block {
  display: block; text-align: center; margin-top: 18px;
  padding: 14px 18px; border-radius: 10px; background: var(--brand-primary);
  color: #fff; font-weight: 700; font-size: 14.5px; text-decoration: none;
  box-shadow: 0 4px 14px rgba(var(--md-public-accent-rgb,67,83,232),.24);
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
}
.btn-cta-block:hover {
  background: var(--brand-primary-hover); color: #fff;
  transform: translateY(-1px); box-shadow: 0 8px 20px rgba(var(--md-public-accent-rgb,67,83,232),.28);
}
.calc-card-foot {
  font-size: 11.5px; color: var(--text-muted); text-align: center; margin-top: 12px;
}


/* ── TODAY'S RATES STRIP ───────────────────────────────────────────── */
.rates-strip {
  padding: 28px 0; background: var(--brand-dark);
}
.rates-strip-inner { color: #fff; }
.rates-strip-head {
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
  margin-bottom: 18px; padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,.10);
}
.rates-strip-meta { font-size: 12px; color: rgba(255,255,255,.55); }

.rates-strip-row {
  display: grid; grid-template-columns: repeat(5, 1fr) auto;
  gap: 18px; align-items: end;
}
@media (max-width: 900px) {
  .rates-strip-row { grid-template-columns: repeat(2, 1fr); }
  .rate-cta { grid-column: 1 / -1; justify-self: stretch; text-align: center; }
}
.rate-cell { padding: 0 4px; }
.rate-label { font-size: 11.5px; color: rgba(255,255,255,.60); font-weight: 600; text-transform: uppercase; letter-spacing: .6px; margin-bottom: 6px; }
.rate-value { font-size: 28px; font-weight: 800; letter-spacing: -.02em; line-height: 1; }
.rate-value .rate-pct { font-size: 18px; font-weight: 700; opacity: .75; margin-left: 2px; }
.rate-sub { font-size: 11.5px; color: rgba(255,255,255,.55); margin-top: 6px; font-weight: 500; }
.rate-cta {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 22px; border-radius: 9px; background: var(--brand-primary);
  color: #fff; font-weight: 700; font-size: 13.5px; text-decoration: none;
  box-shadow: 0 4px 14px rgba(var(--md-public-accent-rgb,67,83,232),.30);
  transition: background var(--transition), transform var(--transition);
}
.rate-cta:hover { background: var(--brand-primary-hover); color: #fff; transform: translateY(-1px); }


/* ── SECTION SHARED ────────────────────────────────────────────────── */
.section-light { background: var(--surface); }
.section-head {
  text-align: center; max-width: 720px; margin: 0 auto 48px;
}
.section-title {
  font-size: clamp(30px, 4vw, 44px); font-weight: 800; letter-spacing: -.025em;
  color: var(--brand-dark); line-height: 1.1; margin-bottom: 12px;
}
.section-sub { font-size: 17px; color: var(--text-soft); line-height: 1.55; }


/* ── LOAN OPTIONS GRID ─────────────────────────────────────────────── */
.opt-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
}
@media (max-width: 980px) { .opt-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .opt-grid { grid-template-columns: 1fr; } }
.opt-tile {
  background: #fff; padding: 26px 24px; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); color: var(--text); text-decoration: none;
  transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition);
  display: flex; flex-direction: column;
}
.opt-tile:hover {
  border-color: var(--brand-primary); transform: translateY(-4px);
  box-shadow: var(--shadow-lg); color: var(--text);
}
.opt-icon {
  width: 52px; height: 52px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin-bottom: 16px;
}
.opt-icon-indigo  { background: var(--brand-primary-soft); }
.opt-icon-cyan    { background: #ECFEFF; }
.opt-icon-amber   { background: #FEF3C7; }
.opt-icon-emerald { background: #D1FAE5; }
.opt-tile h3 {
  font-size: 18px; font-weight: 700; margin-bottom: 8px;
  letter-spacing: -.01em; color: var(--text);
}
.opt-tile p {
  font-size: 14px; color: var(--text-muted); line-height: 1.55; margin-bottom: 16px;
  flex: 1;
}
.opt-link {
  font-size: 13.5px; font-weight: 700; color: var(--brand-primary);
}
.opt-tile:hover .opt-link { text-decoration: underline; }


/* ── HOW IT WORKS ──────────────────────────────────────────────────── */
.how-section { padding: 88px 0; }
.how-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
@media (max-width: 900px) { .how-grid { grid-template-columns: 1fr; } }
.how-step {
  background: #fff; padding: 32px 28px; border-radius: var(--radius-lg);
  border: 1px solid var(--border-soft); box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.how-step:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.how-num {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, var(--brand-primary) 0%, var(--md-public-sky,#818CF8) 100%);
  color: #fff; font-weight: 800; font-size: 18px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; box-shadow: 0 4px 12px rgba(var(--md-public-accent-rgb,67,83,232),.24);
}
.how-step h3 {
  font-size: 20px; font-weight: 700; margin-bottom: 10px;
  letter-spacing: -.01em; color: var(--text);
}
.how-step > p {
  font-size: 14.5px; color: var(--text-soft); line-height: 1.6; margin-bottom: 16px;
}
.how-points {
  list-style: none; padding: 0; margin: 0;
  border-top: 1px dashed var(--border); padding-top: 14px;
}
.how-points li {
  font-size: 13.5px; color: var(--text-muted); padding: 4px 0;
  position: relative; padding-left: 20px;
}
.how-points li::before {
  content: '✓'; position: absolute; left: 0; top: 4px;
  color: var(--brand-primary); font-weight: 800; font-size: 13px;
}


/* ── BROKER vs RETAIL COMPARE ──────────────────────────────────────── */
.compare-section { padding: 88px 0; }
.compare-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 18px; max-width: 960px; margin: 0 auto;
}
@media (max-width: 720px) { .compare-grid { grid-template-columns: 1fr; } }
.compare-col {
  background: #fff; padding: 32px 28px; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
}
.compare-us {
  border-color: var(--brand-primary);
  background: linear-gradient(180deg, var(--brand-primary-soft) 0%, #fff 80%);
  box-shadow: 0 12px 32px rgba(var(--md-public-accent-rgb,67,83,232),.10);
}
.compare-tag {
  display: inline-block; padding: 4px 12px; border-radius: 999px;
  background: var(--border-soft); color: var(--text-muted);
  font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .6px;
  margin-bottom: 18px;
}
.compare-tag.tag-us { background: var(--brand-primary); color: #fff; }
.compare-list { list-style: none; padding: 0; margin: 0; }
.compare-list li {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 12px 0; border-bottom: 1px dashed var(--border);
  font-size: 14.5px; color: var(--text); line-height: 1.5;
}
.compare-list li:last-child { border-bottom: none; }
.compare-mark {
  width: 22px; height: 22px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 800; flex-shrink: 0; font-size: 12px;
}
.compare-mark.check { background: var(--success); color: #fff; }
.compare-mark.x { background: var(--border); color: var(--text-muted); }
.compare-foot {
  text-align: center; margin-top: 32px;
  font-size: 17px; font-weight: 700; color: var(--brand-primary);
}


/* ── STATS BAND ────────────────────────────────────────────────────── */
.stats-band {
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--md-public-ink,#1E1B4B) 50%, var(--brand-primary) 100%);
  padding: 56px 0; color: #fff;
}
.stats-band-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px;
  text-align: center;
}
@media (max-width: 720px) { .stats-band-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; } }
.stat-band-num {
  font-size: clamp(36px, 5vw, 56px); font-weight: 800; letter-spacing: -.03em;
  background: linear-gradient(135deg, #fff 0%, var(--md-public-sky,#C7D2FE) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
  line-height: 1; margin-bottom: 10px;
}
.stat-band-label {
  font-size: 13px; color: rgba(255,255,255,.75); font-weight: 600;
  letter-spacing: -.005em;
}


/* ── TESTIMONIALS ──────────────────────────────────────────────────── */
.testi-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
}
@media (max-width: 900px) { .testi-grid { grid-template-columns: 1fr; } }
.testi-card {
  background: #fff; padding: 28px 26px; border-radius: var(--radius-lg);
  border: 1px solid var(--border); box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.testi-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.testi-stars {
  color: #F59E0B; letter-spacing: .12em; font-size: 16px; margin-bottom: 14px;
}
.testi-body {
  font-size: 15.5px; color: var(--text); line-height: 1.6; margin-bottom: 22px;
  font-weight: 500;
}
.testi-meta { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 16px;
}
.testi-name { font-weight: 700; color: var(--text); font-size: 14px; }
.testi-sub { font-size: 12px; color: var(--text-muted); margin-top: 2px; }


/* ── FINAL CTA ─────────────────────────────────────────────────────── */
.cta-final { padding: 88px 0; background: var(--bg); }
.cta-final-card {
  background: linear-gradient(135deg, var(--brand-dark) 0%, var(--md-public-ink,#1E1B4B) 60%, var(--brand-primary) 100%);
  border-radius: var(--radius-xl);
  padding: 64px 48px; text-align: center; color: #fff;
  box-shadow: var(--shadow-lg);
  position: relative; overflow: hidden;
}
.cta-final-card::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(600px 300px at 80% -10%, rgba(255,255,255,.15), transparent 60%);
}
.cta-final-card h2 {
  font-size: clamp(30px, 4vw, 44px); font-weight: 800; letter-spacing: -.025em;
  margin-bottom: 14px; color: #fff; position: relative;
}
.cta-final-card p {
  font-size: 17px; color: rgba(255,255,255,.85); line-height: 1.55;
  margin-bottom: 32px; max-width: 540px; margin-left: auto; margin-right: auto;
  position: relative;
}
.cta-final-row {
  display: flex; gap: 12px; justify-content: center; flex-wrap: wrap;
  margin-bottom: 28px; position: relative;
}
.cta-final-trust {
  display: flex; gap: 22px; justify-content: center; flex-wrap: wrap;
  font-size: 13px; color: rgba(255,255,255,.65); font-weight: 500;
  position: relative;
}


/* ════════════════════════════════════════════════════════════════════════
   NAV v3 — slim top bar, always-visible hamburger, grouped drawer
   (fintech pattern: Lower, Tomo, Vesta, Roost)
   ════════════════════════════════════════════════════════════════════════ */
.nav-v3 {
  position: sticky; top: 0; z-index: 80;
  background: rgba(255,255,255,.92);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
          backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 180ms ease, border-color 180ms ease, background 180ms ease;
}
.nav-v3.is-scrolled {
  background: rgba(255,255,255,.96);
  border-bottom-color: var(--border-soft);
  box-shadow: 0 1px 0 rgba(15,23,42,.04), 0 8px 24px -16px rgba(15,23,42,.10);
}
.nav-v3 .nav-inner {
  padding: 12px 28px; gap: 16px;
  max-width: 1320px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-v3 .nav-logo { flex-shrink: 0; }

.nav-v3 .nav-right { display: flex; align-items: center; gap: 14px; }

.nav-phone-v3 {
  display: inline-flex; align-items: center; gap: 7px;
  flex: 0 0 auto; white-space: nowrap;
  color: var(--text); font-weight: 600; font-size: 14px;
  text-decoration: none; padding: 6px 10px; border-radius: 8px;
  transition: color 140ms ease, background 140ms ease;
}
.nav-phone-v3 svg { color: var(--brand-primary); }
.nav-phone-v3:hover { color: var(--brand-primary); background: var(--brand-primary-soft); }

.nav-signin-v3 {
  display: inline-flex; align-items: center;
  flex: 0 0 auto; white-space: nowrap;
  color: var(--text); font-weight: 600; font-size: 14px;
  text-decoration: none; padding: 8px 12px; border-radius: 8px;
  transition: color 140ms ease, background 140ms ease;
}
.nav-signin-v3:hover { color: var(--brand-primary); background: var(--brand-primary-soft); }

.nav-apply-v3 {
  display: inline-flex; align-items: center;
  padding: 10px 20px; border-radius: 999px;
  background: var(--brand-primary); color: #fff;
  font-weight: 800; font-size: 14px; text-decoration: none;
  letter-spacing: -.005em; white-space: nowrap;
  transition: background 160ms ease, transform 160ms ease, box-shadow 160ms ease;
  box-shadow: 0 10px 24px rgba(var(--md-public-accent-rgb,67,83,232),.16);
}
.nav-apply-v3:hover {
  background: var(--brand-primary-hover); color: #fff;
  transform: translateY(-1px); box-shadow: 0 12px 26px rgba(var(--md-public-accent-rgb,67,83,232),.22);
}

/* Hamburger — always visible, "Menu" label hidden on small screens */
.nav-burger {
  display: inline-flex; align-items: center; gap: 8px;
  flex: 0 0 auto; white-space: nowrap;
  padding: 9px 14px 9px 12px; border-radius: 10px;
  background: var(--surface-soft); border: 1px solid var(--border-soft);
  color: var(--text); font: 600 13.5px/1 var(--sans, 'Inter', sans-serif);
  cursor: pointer; letter-spacing: -.005em;
  transition: background 140ms ease, border-color 140ms ease, color 140ms ease, transform 140ms ease;
}
.nav-burger:hover {
  background: #fff; border-color: var(--brand-primary);
  color: var(--brand-primary); transform: translateY(-1px);
}
.nav-burger:active { transform: translateY(0); }
.nav-burger-lines {
  display: inline-flex; flex-direction: column; gap: 3px;
  width: 16px; height: 12px; justify-content: center;
}
.nav-burger-lines i {
  display: block; height: 2px; width: 100%;
  background: currentColor; border-radius: 999px;
  transition: transform 220ms cubic-bezier(.4,0,.2,1), opacity 180ms ease;
}
body.nav-drawer-open .nav-burger-lines i:nth-child(1) { transform: translateY(5px) rotate(45deg); }
body.nav-drawer-open .nav-burger-lines i:nth-child(2) { opacity: 0; }
body.nav-drawer-open .nav-burger-lines i:nth-child(3) { transform: translateY(-5px) rotate(-45deg); }

/* Compact at small breakpoints — keep CTA + hamburger, hide the rest */
@media (max-width: 720px) {
  .nav-v3 .nav-inner { padding: 10px 16px; gap: 8px; }
  .nav-phone-v3 span,
  .nav-signin-v3 { display: none; }
  .nav-apply-v3 { padding: 9px 14px; font-size: 13px; }
  .nav-burger-lbl { display: none; }
  .nav-burger { padding: 9px 11px; }
}

@media (max-width: 560px) {
  .nav-v3 .nav-inner { padding: 10px 14px; }
  .nav-v3 .nav-right { gap: 8px; }
  .nav-apply-v3 { display: none; }
}

/* ═══ Slide-out drawer (always available, grouped sections) ═══ */
.nav-drawer-overlay {
  position: fixed; inset: 0; background: rgba(15,23,42,.50);
  opacity: 0; pointer-events: none; z-index: 90;
  transition: opacity 220ms ease;
  -webkit-backdrop-filter: blur(2px); backdrop-filter: blur(2px);
}
.nav-drawer {
  position: fixed; top: 0; right: 0; bottom: 0; z-index: 100;
  width: min(440px, 92vw); background: #fff;
  display: flex; flex-direction: column;
  transform: translateX(100%); transition: transform 320ms cubic-bezier(.32,.72,0,1);
  box-shadow: -28px 0 60px rgba(15,23,42,.22);
}
body.nav-drawer-open .nav-drawer-overlay { opacity: 1; pointer-events: auto; }
body.nav-drawer-open .nav-drawer { transform: translateX(0); }
body.nav-drawer-open { overflow: hidden; }

.nav-drawer-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 24px; border-bottom: 1px solid var(--border-soft);
}
.nav-drawer-close {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--surface-soft); border: none; color: var(--text-muted);
  cursor: pointer; display: inline-flex; align-items: center; justify-content: center;
  transition: background 140ms ease, color 140ms ease;
}
.nav-drawer-close:hover { background: var(--border-soft); color: var(--text); }

.nav-drawer-body {
  flex: 1; overflow-y: auto; padding: 8px 0 16px;
}
.nav-drawer-section { padding: 14px 16px 6px; }
.nav-drawer-section + .nav-drawer-section { border-top: 1px solid var(--border-soft); padding-top: 18px; margin-top: 6px; }
.nav-drawer-section-label {
  font-size: 11px; font-weight: 700; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: .8px;
  padding: 0 10px 8px;
}

/* GRID: 2-col cards for the marquee "Get Started" section */
.nav-drawer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 6px; }
.nav-drawer-grid a {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 12px; border-radius: 12px;
  text-decoration: none; color: var(--text);
  transition: background 140ms ease, transform 140ms ease;
  min-height: 64px;
}
.nav-drawer-grid a:hover { background: var(--brand-primary-soft); transform: translateY(-1px); }
.nav-drawer-grid a:hover .nav-drawer-link-h { color: var(--brand-primary); }
.nav-drawer-ico {
  flex-shrink: 0; width: 36px; height: 36px; border-radius: 10px;
  background: var(--brand-primary-soft); color: var(--brand-primary);
  display: inline-flex; align-items: center; justify-content: center;
}
.nav-drawer-link-h { font-size: 14px; font-weight: 700; color: var(--text); letter-spacing: -.005em; }
.nav-drawer-link-sub { font-size: 11.5px; color: var(--text-muted); margin-top: 2px; line-height: 1.35; }

/* LIST: secondary sections with chevron rows */
.nav-drawer-list { display: flex; flex-direction: column; }
.nav-drawer-list a {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 14px; border-radius: 10px;
  font-size: 14.5px; font-weight: 600; color: var(--text); text-decoration: none;
  transition: background 140ms ease, color 140ms ease;
}
.nav-drawer-list a:hover { background: var(--brand-primary-soft); color: var(--brand-primary); }
.nav-drawer-chev { color: var(--text-muted); font-size: 20px; line-height: 1; }
.nav-drawer-list a:hover .nav-drawer-chev { color: var(--brand-primary); transform: translateX(2px); }
.nav-drawer-chev { transition: transform 140ms ease, color 140ms ease; }

/* FOOT: sticky CTA + license meta */
.nav-drawer-foot {
  padding: 16px 20px 22px; border-top: 1px solid var(--border-soft);
  display: flex; flex-direction: column; gap: 10px; align-items: stretch;
  background: linear-gradient(180deg, #fff 0%, var(--surface-soft) 100%);
}
.nav-drawer-cta {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 18px; border-radius: 12px;
  background: var(--brand-primary); color: #fff;
  font-weight: 700; font-size: 15px; text-decoration: none;
  box-shadow: 0 8px 20px rgba(var(--md-public-accent-rgb,67,83,232),.25);
  transition: background 160ms ease, transform 160ms ease;
}
.nav-drawer-cta:hover { background: var(--brand-primary-hover); transform: translateY(-1px); }
.nav-drawer-foot-meta {
  display: flex; gap: 8px; justify-content: center;
  font-size: 11px; color: var(--text-muted); font-weight: 500;
}

/* On very narrow screens make the grid stack */
@media (max-width: 380px) {
  .nav-drawer-grid { grid-template-columns: 1fr; }
}

/* Legacy hamburger styles (kept for any embedded pages that still reference
   the old class — harmless if unused). */
.nav-drawer-links {
  display: flex; flex-direction: column; padding: 10px 12px; flex: 1; overflow-y: auto;
}
.nav-drawer-links a {
  padding: 14px 14px; border-radius: 10px;
  font-size: 16px; font-weight: 600; color: var(--text); text-decoration: none;
  display: flex; align-items: center; gap: 10px;
  transition: background var(--transition), color var(--transition);
}
.nav-drawer-links a:hover { background: var(--brand-primary-soft); color: var(--brand-primary); }
.nav-drawer-phone {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px; border-radius: 10px;
  background: #fff; border: 1.5px solid var(--border);
  color: var(--text); font-weight: 600; font-size: 14.5px; text-decoration: none;
}
.nav-drawer-phone:hover { border-color: var(--brand-primary); color: var(--brand-primary); }
.nav-drawer-link-sm {
  font-size: 12.5px; color: var(--text-muted); text-align: center;
  padding: 6px; text-decoration: none;
}
.nav-drawer-link-sm:hover { color: var(--brand-primary); }


/* ════════════════════════════════════════════════════════════════════════
   RATE TICKER section
   ════════════════════════════════════════════════════════════════════════ */
.rate-ticker-section { padding: 64px 0 56px; background: var(--surface); }
.rate-ticker-head {
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 24px; flex-wrap: wrap; margin-bottom: 26px;
}
.rate-ticker-title {
  font-size: clamp(24px, 3vw, 32px); font-weight: 800;
  letter-spacing: -.025em; color: var(--brand-dark); line-height: 1.15;
  margin-bottom: 6px;
}
.rate-ticker-sub {
  font-size: 14.5px; color: var(--text-soft); line-height: 1.55;
  max-width: 560px;
}
.rate-ticker-cta {
  display: inline-flex; align-items: center;
  padding: 12px 22px; border-radius: 999px;
  background: #fff; color: var(--text);
  font-weight: 700; font-size: 14px; text-decoration: none;
  border: 1.5px solid var(--border);
  transition: all var(--transition);
}
.rate-ticker-cta:hover {
  color: var(--brand-primary); border-color: var(--brand-primary);
  transform: translateY(-1px); box-shadow: 0 6px 18px rgba(var(--md-public-accent-rgb,67,83,232),.15);
}

.rate-ticker-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.rate-ticker-bar {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 22px;
  background: var(--surface-soft); border-bottom: 1px solid var(--border);
  font-size: 13px;
}
.rate-ticker-bar-label { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.rate-ticker-bar-label strong { font-weight: 700; color: var(--text); font-size: 14px; }
.rate-as-of { color: var(--text-muted); font-size: 12.5px; }
.rate-ticker-discl {
  color: var(--brand-primary); font-weight: 600; font-size: 13px;
  text-decoration: none; white-space: nowrap;
}
.rate-ticker-discl:hover { text-decoration: underline; }

.dot {
  display: inline-block; width: 8px; height: 8px; border-radius: 50%;
  background: var(--success);
}
.dot.pulse { box-shadow: 0 0 0 0 rgba(16,185,129,.6); animation: dot-pulse 2s infinite; }
@keyframes dot-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(16,185,129,.6); }
  70%  { box-shadow: 0 0 0 8px rgba(16,185,129,0); }
  100% { box-shadow: 0 0 0 0 rgba(16,185,129,0); }
}

.rate-track-wrap { overflow: hidden; position: relative; }
.rate-track {
  display: grid; grid-auto-flow: column;
  grid-auto-columns: minmax(220px, 1fr); gap: 0;
}

/* Sliding-billboard marquee variant */
.rate-marquee { mask-image: linear-gradient(90deg, transparent 0, #000 48px, #000 calc(100% - 48px), transparent 100%); -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 48px, #000 calc(100% - 48px), transparent 100%); }
.rate-track-marquee {
  display: flex; grid-auto-flow: unset; grid-auto-columns: unset;
  width: max-content;
  animation: rate-marquee-scroll 56s linear infinite;
  will-change: transform;
}
.rate-track-marquee .rate-tile {
  flex: 0 0 240px; max-width: 240px;
}
.rate-marquee:hover .rate-track-marquee { animation-play-state: paused; }
@keyframes rate-marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); } /* second copy aligns with first */
}
@media (prefers-reduced-motion: reduce) {
  .rate-track-marquee { animation: none; }
}
.rate-tile {
  padding: 20px 22px; border-right: 1px solid var(--border-soft);
  background: var(--surface);
  transition: background var(--transition);
}
.rate-tile:last-child { border-right: none; }
.rate-tile:hover { background: var(--brand-primary-soft); }
.rate-tile-name {
  font-size: 12px; font-weight: 700; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: .8px; margin-bottom: 14px;
}
.rate-tile-row {
  display: flex; align-items: baseline; justify-content: space-between;
  padding: 5px 0; font-size: 13px;
}
.rt-k { color: var(--text-muted); font-weight: 500; }
.rt-v { color: var(--text); font-weight: 600; font-variant-numeric: tabular-nums; }
.rt-v.rt-strong { font-size: 18px; font-weight: 800; letter-spacing: -.015em; color: var(--brand-dark); }
.rt-fee { color: var(--text-muted); font-weight: 500; font-size: 11.5px; }
.rate-tile-delta {
  margin-top: 12px; padding-top: 12px; border-top: 1px dashed var(--border);
  font-size: 11.5px; font-weight: 700; letter-spacing: -.005em;
  display: inline-flex; align-items: center; gap: 5px;
}
.delta-down { color: var(--success); }
.delta-up   { color: var(--error); }
.delta-flat { color: var(--text-muted); }


/* ════════════════════════════════════════════════════════════════════════
   HIGHLIGHT TILES — 3-card hero strip
   ════════════════════════════════════════════════════════════════════════ */
.highlight-section { padding: 88px 0; background: var(--bg); }
.highlight-title {
  text-align: center; font-size: clamp(28px, 4vw, 44px);
  font-weight: 800; letter-spacing: -.025em; color: var(--text);
  line-height: 1.1; margin-bottom: 40px;
}
.hi-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
}
@media (max-width: 900px) { .hi-grid { grid-template-columns: 1fr; } }
.hi-card {
  position: relative; padding: 36px 34px 64px;
  border-radius: var(--radius-lg); text-decoration: none;
  color: var(--text); min-height: 260px;
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex; flex-direction: column;
}
.hi-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); color: var(--text); }
.hi-indigo { background: linear-gradient(155deg, var(--md-public-mist,#EEF2FF) 0%, var(--md-public-mist,#E0E7FF) 100%); }
.hi-slate  { background: linear-gradient(155deg, #F1F5F9 0%, #E2E8F0 100%); }
.hi-mint   { background: linear-gradient(155deg, #ECFDF5 0%, #D1FAE5 100%); }
.hi-card .hi-icon { color: var(--brand-dark); margin-bottom: 22px; }
.hi-indigo .hi-icon { color: var(--brand-primary); }
.hi-mint   .hi-icon { color: #065F46; }
.hi-card h3 {
  font-size: 22px; font-weight: 800; letter-spacing: -.015em;
  color: var(--text); margin-bottom: 10px; line-height: 1.2;
}
.hi-card p {
  font-size: 14.5px; color: var(--text-soft); line-height: 1.55;
}
.hi-card .hi-arrow {
  position: absolute; left: 30px; bottom: 28px;
  width: 44px; height: 44px; border-radius: 50%;
  background: #fff; color: var(--brand-dark);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), background var(--transition), color var(--transition);
}
.hi-card:hover .hi-arrow {
  background: var(--brand-dark); color: #fff;
  transform: translate(4px, 0);
}


/* ════════════════════════════════════════════════════════════════════════
   GOAL PICKER — split card with numbered destination list
   ════════════════════════════════════════════════════════════════════════ */
.goal-section { padding: 80px 0; background: var(--surface); }
.goal-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 48px;
  display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px;
  align-items: center;
  box-shadow: var(--shadow-sm);
}
@media (max-width: 900px) { .goal-card { grid-template-columns: 1fr; padding: 32px; gap: 32px; } }
.goal-left { max-width: 420px; }
.goal-title {
  font-size: clamp(28px, 3.5vw, 38px); font-weight: 800;
  letter-spacing: -.025em; line-height: 1.15; color: var(--text);
  margin-bottom: 14px;
}
.goal-sub {
  font-size: 16px; color: var(--text-soft); line-height: 1.6;
}
.goal-right { display: flex; flex-direction: column; gap: 10px; }
.goal-pick {
  display: grid; grid-template-columns: 50px 1fr 24px;
  align-items: center; gap: 18px;
  padding: 18px 22px;
  background: var(--bg);
  border: 1.5px solid var(--border-soft);
  border-radius: var(--radius-md);
  text-decoration: none; color: var(--text);
  transition: background var(--transition), border-color var(--transition), transform var(--transition);
}
.goal-pick:hover {
  background: #fff; border-color: var(--brand-primary);
  transform: translateX(4px);
  box-shadow: 0 6px 18px rgba(15,23,42,.06);
  color: var(--text);
}
.goal-pick-num {
  font-family: var(--mono, monospace); font-size: 12.5px; font-weight: 800;
  color: var(--brand-primary); letter-spacing: -.005em;
}
.goal-pick-title {
  font-size: 16px; font-weight: 700; color: var(--text);
  letter-spacing: -.01em; margin-bottom: 3px;
}
.goal-pick-sub {
  font-size: 13px; color: var(--text-muted);
}
.goal-pick-arrow {
  font-size: 22px; color: var(--brand-primary); font-weight: 700;
  transition: transform var(--transition);
}
.goal-pick:hover .goal-pick-arrow { transform: translateX(4px); }


/* ════════════════════════════════════════════════════════════════════════
   /home-loans page
   ════════════════════════════════════════════════════════════════════════ */

/* Hero */
.hl-hero { position: relative; padding: 80px 0 64px; overflow: hidden; background: linear-gradient(180deg, #FAFBFF 0%, var(--bg) 100%); }
.hl-hero-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background:
    radial-gradient(700px 380px at 80% -10%, rgba(var(--md-public-accent-rgb,67,83,232),.10), transparent 60%),
    radial-gradient(500px 380px at 10% 30%, rgba(6,182,212,.08), transparent 60%);
}
.hl-hero .container { position: relative; z-index: 1; }
.hl-hero-inner { max-width: 800px; }
.hl-title { font-size: clamp(40px, 6vw, 68px); line-height: 1.05;
  font-weight: 800; letter-spacing: -.03em; color: var(--text); margin-bottom: 20px; }
.hl-grad { background: linear-gradient(120deg, var(--brand-primary) 0%, var(--md-public-sky,#818CF8) 50%, var(--brand-accent) 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent; }
.hl-lead { font-size: 19px; line-height: 1.55; color: var(--text-soft); margin-bottom: 32px; }
.hl-cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }
.hl-hero-meta { display: flex; gap: 22px; flex-wrap: wrap; font-size: 13.5px; color: var(--text-muted); }
.hl-hero-meta span { font-weight: 500; }


/* Quiz */
.hl-quiz-section { padding: 56px 0; background: var(--surface); }
.hl-quiz-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 40px; box-shadow: var(--shadow); }
@media(max-width:720px){ .hl-quiz-card { padding: 26px; } }
.hl-quiz-head { display: grid; grid-template-columns: 1fr 220px; gap: 32px; align-items: center; margin-bottom: 28px; }
@media(max-width:720px){ .hl-quiz-head { grid-template-columns: 1fr; gap: 18px; } }
.hl-quiz-title { font-size: clamp(24px, 3vw, 32px); font-weight: 800; letter-spacing: -.025em; color: var(--text); margin-bottom: 6px; }
.hl-quiz-sub { font-size: 14.5px; color: var(--text-soft); line-height: 1.55; }
.hl-quiz-progress { text-align: right; }
.hl-quiz-progress-bar { height: 6px; background: var(--surface-soft); border-radius: 999px; overflow: hidden; margin-bottom: 8px; }
.hl-quiz-progress-bar > div { height: 100%; background: linear-gradient(90deg, var(--brand-primary), var(--md-public-sky,#818CF8)); border-radius: 999px; transition: width 280ms cubic-bezier(.4,0,.2,1); }
.hl-quiz-progress-label { font-size: 12.5px; font-weight: 700; color: var(--text-muted); }
.hl-quiz-step { display: none; animation: hl-fade .25s ease; }
.hl-quiz-step.active { display: block; }
@keyframes hl-fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.hl-q-title { font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: var(--text); margin-bottom: 6px; }
.hl-q-help { font-size: 13.5px; color: var(--text-muted); margin-bottom: 18px; }
.hl-q-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hl-q-grid-4 { grid-template-columns: repeat(4, 1fr); }
.hl-q-grid-2 { grid-template-columns: 1fr 1fr; }
@media(max-width:720px){ .hl-q-grid, .hl-q-grid-4, .hl-q-grid-2 { grid-template-columns: 1fr; } }
.hl-opt {
  display: flex; align-items: center; gap: 14px;
  padding: 18px 20px; border: 1.5px solid var(--border);
  border-radius: var(--radius); background: var(--surface);
  text-align: left; font-family: inherit; cursor: pointer;
  transition: all var(--transition);
}
.hl-opt:hover { border-color: var(--brand-primary); transform: translateY(-1px); box-shadow: var(--shadow-sm); background: var(--brand-primary-soft); }
.hl-opt.selected { border-color: var(--brand-primary); background: var(--brand-primary-soft); box-shadow: 0 0 0 3px var(--brand-primary-soft); }
.hl-opt-icon { font-size: 26px; flex-shrink: 0; }
.hl-opt-text { display: flex; flex-direction: column; gap: 2px; }
.hl-opt-text strong { font-size: 15.5px; font-weight: 700; color: var(--text); letter-spacing: -.005em; }
.hl-opt-text small { font-size: 12.5px; color: var(--text-muted); font-weight: 500; }
.hl-opt-mini { flex-direction: column; align-items: flex-start; padding: 14px 16px; gap: 4px; }
.hl-opt-mini strong { font-size: 15px; }
.hl-opt-mini small { color: var(--text-muted); font-size: 12px; }
.hl-quiz-foot {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 24px; padding-top: 22px; border-top: 1px solid var(--border-soft);
  font-size: 13.5px;
}
.hl-back, .hl-skip { background: none; border: none; color: var(--brand-primary); font-weight: 600; cursor: pointer; padding: 8px 0; font-family: inherit; font-size: 13.5px; }
.hl-back:hover, .hl-skip:hover { text-decoration: underline; }

/* Quiz results */
.hl-rec-list { display: flex; flex-direction: column; gap: 10px; margin: 18px 0 22px; }
.hl-rec {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px; background: var(--brand-primary-soft);
  border: 1.5px solid var(--brand-primary-light); border-radius: var(--radius);
  text-decoration: none; color: var(--text);
  transition: all var(--transition);
}
.hl-rec:hover { background: #fff; border-color: var(--brand-primary); transform: translateX(4px); box-shadow: var(--shadow-sm); color: var(--text); }
.hl-rec-name { font-size: 15.5px; font-weight: 700; color: var(--text); letter-spacing: -.005em; }
.hl-rec-best { font-size: 12.5px; color: var(--text-muted); margin-top: 2px; }
.hl-rec-arrow { font-size: 22px; color: var(--brand-primary); font-weight: 700; }
.hl-quiz-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 18px; }


/* Filters + cards */
.hl-options-section { padding: 88px 0; background: var(--bg); }
.hl-filters { display: flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-bottom: 36px; }
.hl-filter {
  padding: 10px 18px; border-radius: 999px;
  background: #fff; border: 1.5px solid var(--border);
  color: var(--text); font-weight: 600; font-size: 13.5px;
  cursor: pointer; transition: all var(--transition); font-family: inherit;
}
.hl-filter:hover { border-color: var(--brand-primary); color: var(--brand-primary); }
.hl-filter.active { background: var(--brand-primary); border-color: var(--brand-primary); color: #fff; box-shadow: 0 4px 12px rgba(var(--md-public-accent-rgb,67,83,232),.24); }

.hl-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media(max-width:980px){ .hl-cards { grid-template-columns: 1fr 1fr; } }
@media(max-width:640px){ .hl-cards { grid-template-columns: 1fr; } }
.hl-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 26px 24px 22px;
  display: flex; flex-direction: column;
  transition: all var(--transition); box-shadow: var(--shadow-sm);
}
.hl-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--brand-primary-light); }
.hl-card-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 14px; margin-bottom: 16px; }
.hl-card-icon { font-size: 32px; line-height: 1; width: 54px; height: 54px; border-radius: 12px; background: var(--brand-primary-soft); display: flex; align-items: center; justify-content: center; }
.hl-card-best { text-align: right; max-width: 60%; }
.hl-card-best span { display: block; font-size: 10.5px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 4px; }
.hl-card-best strong { display: block; font-size: 12.5px; color: var(--text); font-weight: 600; line-height: 1.4; }
.hl-card-name { font-size: 20px; font-weight: 800; letter-spacing: -.015em; color: var(--text); margin-bottom: 8px; }
.hl-card-desc { font-size: 14px; color: var(--text-soft); line-height: 1.55; flex: 1; margin-bottom: 18px; }
.hl-card-cta-row { display: flex; gap: 8px; align-items: center; }
.hl-card-cta { padding: 10px 16px; border-radius: 8px; font-size: 13px; font-weight: 700; text-decoration: none; transition: all var(--transition); }
.hl-cta-primary { background: var(--brand-primary); color: #fff; box-shadow: 0 2px 6px rgba(var(--md-public-accent-rgb,67,83,232),.16); }
.hl-cta-primary:hover { background: var(--brand-primary-hover); color: #fff; box-shadow: 0 6px 14px rgba(var(--md-public-accent-rgb,67,83,232),.24); transform: translateY(-1px); }
.hl-cta-ghost { background: transparent; color: var(--text); border: 1.5px solid var(--border); }
.hl-cta-ghost:hover { border-color: var(--brand-primary); color: var(--brand-primary); }

.hl-empty { text-align: center; padding: 60px 24px; color: var(--text-muted); }
.hl-empty h3 { font-size: 20px; color: var(--text); font-weight: 700; margin-bottom: 8px; }
.hl-empty-reset { background: none; border: none; color: var(--brand-primary); font-weight: 700; cursor: pointer; font-family: inherit; text-decoration: underline; font-size: inherit; }


/* Process */
.hl-process { padding: 88px 0; background: var(--surface); }
.hl-process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media(max-width:900px){ .hl-process-grid { grid-template-columns: 1fr 1fr; } }
@media(max-width:520px){ .hl-process-grid { grid-template-columns: 1fr; } }
.hl-process-step {
  padding: 28px 24px; background: var(--bg); border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg); position: relative;
  transition: all var(--transition);
}
.hl-process-step:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--brand-primary-light); }
.hl-process-num {
  width: 38px; height: 38px; border-radius: 10px;
  background: linear-gradient(135deg, var(--brand-primary) 0%, var(--md-public-sky,#818CF8) 100%);
  color: #fff; font-weight: 800; font-size: 16px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px; box-shadow: 0 3px 10px rgba(var(--md-public-accent-rgb,67,83,232),.24);
}
.hl-process-step h3 { font-size: 17px; font-weight: 700; letter-spacing: -.01em; color: var(--text); margin-bottom: 8px; }
.hl-process-step p { font-size: 13.5px; color: var(--text-soft); line-height: 1.55; margin-bottom: 14px; }
.hl-process-time { font-size: 11px; font-weight: 700; color: var(--brand-primary); background: var(--brand-primary-soft); padding: 3px 10px; border-radius: 999px; letter-spacing: -.005em; }


/* FAQ */
.hl-faq { padding: 88px 0; background: var(--bg); }
.hl-faq-container { max-width: 860px; }
.hl-faq-list { display: flex; flex-direction: column; gap: 10px; }
.hl-faq-item {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 0; overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.hl-faq-item[open] { border-color: var(--brand-primary-light); box-shadow: var(--shadow-sm); }
.hl-faq-item summary {
  list-style: none; cursor: pointer; padding: 18px 22px;
  font-size: 15.5px; font-weight: 600; color: var(--text);
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  letter-spacing: -.005em;
}
.hl-faq-item summary::-webkit-details-marker { display: none; }
.hl-faq-chev {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--brand-primary-soft); color: var(--brand-primary);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 700; flex-shrink: 0; line-height: 1;
  transition: transform var(--transition), background var(--transition);
}
.hl-faq-item[open] .hl-faq-chev { background: var(--brand-primary); color: #fff; transform: rotate(45deg); }
.hl-faq-item > p { padding: 0 22px 20px; color: var(--text-soft); font-size: 14.5px; line-height: 1.65; }


/* ════════════════════════════════════════════════════════════════════════
   /calculators landing page
   ════════════════════════════════════════════════════════════════════════ */
.calcs-hero {
  padding: 64px 0 36px;
  background: linear-gradient(180deg, #FAFBFF 0%, var(--bg) 100%);
  text-align: center;
}
.calcs-title {
  font-size: clamp(38px, 5vw, 60px); font-weight: 800;
  letter-spacing: -.03em; color: var(--brand-dark); line-height: 1.05;
  margin: 16px auto 18px; max-width: 880px;
}
.calcs-lead {
  font-size: 17px; color: var(--text-soft); line-height: 1.6;
  max-width: 620px; margin: 0 auto;
}

.calcs-filter-wrap { padding: 18px 0 6px; }
.calcs-filter {
  display: inline-flex; padding: 6px;
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: 999px; gap: 4px;
  box-shadow: var(--shadow-sm);
  margin: 0 auto;
  flex-wrap: wrap; justify-content: center;
}
.calcs-filter-wrap .container { display: flex; justify-content: center; }
.calcs-pill {
  padding: 10px 22px; border-radius: 999px;
  background: transparent; border: none;
  color: var(--text-soft); font-weight: 600; font-size: 14px;
  cursor: pointer; transition: all var(--transition);
  font-family: inherit;
}
.calcs-pill:hover { color: var(--text); }
.calcs-pill.active {
  background: var(--surface); color: var(--text);
  box-shadow: 0 1px 3px rgba(15,23,42,.10), 0 1px 1px rgba(15,23,42,.05);
}

.calcs-grid-section { padding: 40px 0 64px; }
.calcs-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
}
@media (max-width: 760px) { .calcs-grid { grid-template-columns: 1fr; } }
.calcs-card {
  position: relative;
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 32px 32px 28px;
  text-decoration: none; color: var(--text);
  transition: all var(--transition);
  display: flex; flex-direction: column;
  min-height: 220px;
}
.calcs-card:hover {
  border-color: var(--brand-primary);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  color: var(--text);
}
.calcs-card.soon { opacity: 0.78; }
.calcs-card.soon:hover { opacity: 1; }

.calcs-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--brand-primary-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 28px; margin-bottom: 18px;
  transition: background var(--transition);
}
.calcs-card:hover .calcs-icon { background: var(--brand-primary); }
.calcs-card:hover .calcs-icon span { filter: brightness(1.5); }

.calcs-card h3 {
  font-size: 22px; font-weight: 800; letter-spacing: -.02em;
  color: var(--text); margin-bottom: 8px; line-height: 1.2;
}
.calcs-card p {
  font-size: 14.5px; color: var(--text-soft); line-height: 1.6;
  margin-bottom: 16px; flex: 1;
}
.calcs-arrow {
  position: absolute; top: 32px; right: 32px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--bg); color: var(--text-soft);
  display: flex; align-items: center; justify-content: center;
  border: 1.5px solid var(--border-soft);
  transition: all var(--transition);
}
.calcs-card:hover .calcs-arrow {
  background: var(--brand-primary); color: #fff; border-color: var(--brand-primary);
  transform: translateX(3px);
}
.calcs-soon-pill {
  display: inline-block; margin-top: 4px;
  padding: 4px 11px; border-radius: 999px;
  background: #FEF3C7; color: #92400E;
  font-size: 11px; font-weight: 700; letter-spacing: -.005em;
  align-self: flex-start;
}

.calcs-empty {
  text-align: center; padding: 80px 24px;
  color: var(--text-muted); font-size: 15px;
}
.calcs-empty p { margin-bottom: 18px; }


/* ════════════════════════════════════════════════════════════════════════
   Legal pages (/privacy, /terms)
   ════════════════════════════════════════════════════════════════════════ */
.legal-hero {
  padding: 56px 0 32px; background: linear-gradient(180deg, #FAFBFF 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--border-soft);
}
.legal-title {
  font-size: clamp(36px, 5vw, 56px); font-weight: 800; letter-spacing: -.03em;
  color: var(--brand-dark); line-height: 1.05; margin: 16px 0 14px;
}
.legal-meta { font-size: 14px; color: var(--text-muted); line-height: 1.55; }
.legal-body { padding: 56px 0 88px; background: var(--surface); }
.legal-container { max-width: 760px; }
.legal-container h2 {
  font-size: 24px; font-weight: 800; letter-spacing: -.02em; color: var(--text);
  margin: 44px 0 12px; padding-top: 8px;
}
.legal-container h3 {
  font-size: 17px; font-weight: 700; color: var(--text);
  margin: 24px 0 8px; letter-spacing: -.01em;
}
.legal-container p,
.legal-container li {
  font-size: 15px; line-height: 1.7; color: var(--text-soft); margin-bottom: 12px;
}
.legal-container ul {
  margin: 0 0 16px 0; padding-left: 22px;
}
.legal-container li { margin-bottom: 8px; }
.legal-container a { color: var(--brand-primary); font-weight: 500; }
.legal-container a:hover { color: var(--brand-primary-hover); text-decoration: underline; }
.legal-container .legal-intro {
  font-size: 16px; color: var(--text); line-height: 1.7;
  padding: 18px 22px; background: var(--brand-primary-soft);
  border: 1px solid var(--brand-primary-light); border-radius: var(--radius);
  margin-bottom: 26px;
}
.legal-container .legal-note {
  font-size: 14px; color: var(--text-soft); line-height: 1.65;
  padding: 14px 18px; background: #FEF9E7;
  border-left: 4px solid #F59E0B; border-radius: var(--radius-sm);
  margin-bottom: 30px;
}
.legal-container .legal-foot {
  margin-top: 32px; padding-top: 22px; border-top: 1px solid var(--border-soft);
  font-size: 14px; color: var(--text-muted);
}

.message-choice-panel,
.privacy-soft-card,
.contact-privacy-note {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 14px;
}
.message-choice-panel {
  padding: 14px;
  margin-bottom: 10px;
}
.message-choice-title {
  font-size: 14px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 9px;
}
.message-choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.message-choice-pill {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 12px;
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--text);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 800;
  cursor: pointer;
}
.message-choice-pill.is-primary {
  border-color: var(--brand-primary);
  background: var(--brand-primary-soft);
  color: var(--brand-primary);
}
.message-choice-pill input {
  accent-color: var(--brand-primary);
}
.message-choice-panel p {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.45;
  margin: 8px 0 0;
}
.privacy-choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.privacy-choice-card {
  display: grid;
  grid-template-columns: 18px 1fr;
  gap: 10px;
  padding: 13px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  background: #fff;
  cursor: pointer;
}
.privacy-choice-card:focus-within,
.privacy-choice-card:hover {
  border-color: var(--brand-primary-light);
  background: var(--brand-primary-soft);
}
.privacy-choice-card input {
  margin-top: 2px;
  accent-color: var(--brand-primary);
}
.privacy-choice-card strong {
  display: block;
  color: var(--text);
  font-size: 13.5px;
  margin-bottom: 3px;
}
.privacy-choice-card span {
  color: var(--text-muted);
  font-size: 12px;
  line-height: 1.35;
}
.privacy-soft-card {
  padding: 16px 18px;
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--text);
  margin-bottom: 22px;
}
.privacy-soft-card strong { color: var(--text); }
.privacy-soft-card a {
  color: var(--brand-primary);
  font-weight: 700;
}
.contact-privacy-note {
  padding: 13px 14px;
  margin-top: 4px;
  color: var(--text-soft);
  font-size: 12.5px;
  line-height: 1.5;
}
.contact-privacy-note strong {
  color: var(--text);
  font-weight: 800;
}
@media (max-width: 640px) {
  .message-choice-grid,
  .privacy-choice-grid {
    grid-template-columns: 1fr;
  }
}

/* ======================== acquisition landing pages ======================== */

.cms-landing {
  width: 100%;
  overflow: hidden;
}

.md-lp,
.md-lp * {
  letter-spacing: 0;
}

.md-lp {
  color: var(--md-public-ink,#142433);
  background: #ffffff;
}

.md-lp-wrap {
  width: min(1120px, calc(100% - 48px));
  margin: 0 auto;
}

.md-lp-hero {
  position: relative;
  display: flex;
  align-items: center;
  height: auto;
  min-height: 0;
  padding: 48px 0;
  overflow: hidden;
  background: #FFFFFF;
  border-bottom: 1px solid var(--md-public-line,#DDE5EC);
}

.md-lp-hero-image,
.md-lp-hero-shade {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.md-lp-hero-image {
  object-fit: cover;
  object-position: center;
}

.md-lp-hero-shade {
  background: rgba(9, 27, 41, .68);
}

.md-lp-hero-copy {
  position: relative;
  z-index: 1;
  color: var(--md-public-ink,#10243A);
}

.md-lp-hero-copy h1 {
  max-width: 760px;
  margin: 12px 0 18px;
  color: var(--md-public-ink,#10243A);
  font-size: clamp(30px, 3.5vw, 44px);
  line-height: 1.16;
  font-weight: 600;
}

.md-lp-eyebrow {
  margin: 0;
  color: var(--md-public-hover,#3038A8);
  font-size: 12px;
  line-height: 1.3;
  font-weight: 700;
  text-transform: uppercase;
}

.md-lp-eyebrow.dark {
  color: var(--md-public-accent,#176b5c);
}

.md-lp-sub {
  max-width: 680px;
  margin: 0;
  color: var(--md-public-body,#52677C);
  font-size: 18px;
  line-height: 1.55;
}

.md-lp-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
  flex-wrap: wrap;
}

.md-lp-actions.centered {
  justify-content: center;
}

.md-lp-primary,
.md-lp-secondary {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 18px;
  border-radius: 7px;
  font-size: 15px;
  line-height: 1.2;
  font-weight: 700;
  text-decoration: none;
  transition: background 160ms ease, border-color 160ms ease, color 160ms ease;
}

.md-lp-primary {
  color: #ffffff;
  background: var(--md-public-accent,#4353E8);
}

.md-lp-primary:hover {
  color: #ffffff;
  background: var(--md-public-hover,#3038A8);
}

.md-lp-secondary {
  color: var(--md-public-hover,#3038A8);
  border: 1px solid var(--md-public-line,#DDE5EC);
  background: var(--md-public-mist,#F4F7FA);
}

.md-lp-secondary:hover {
  color: var(--md-public-ink,#102a43);
  border-color: #ffffff;
  background: #ffffff;
}

.md-lp-note {
  margin: 16px 0 0;
  color: var(--md-public-body,#52677C);
  font-size: 14px;
  line-height: 1.5;
}

.md-lp-section {
  padding: 72px 0;
  background: #ffffff;
}

.md-lp-section-head {
  max-width: 680px;
  margin: 0 auto 36px;
  text-align: center;
}

.md-lp-section-head.left {
  margin: 0;
  text-align: left;
}

.md-lp-section-head h2,
.md-lp-close h2 {
  margin: 9px 0 12px;
  color: var(--md-public-ink,#102a43);
  font-size: 36px;
  line-height: 1.14;
  font-weight: 700;
}

.md-lp-section-head > p:last-child,
.md-lp-close > .md-lp-wrap > p:not(.md-lp-eyebrow):not(.md-lp-legal) {
  margin: 0;
  color: var(--md-public-body,#52677a);
  font-size: 16px;
  line-height: 1.65;
}

.md-lp-benefits {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border-top: 1px solid #dbe4e9;
}

.md-lp-benefit {
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr);
  column-gap: 16px;
  padding: 25px 28px 25px 0;
  border-bottom: 1px solid #dbe4e9;
}

.md-lp-benefit:nth-child(even) {
  padding-right: 0;
  padding-left: 28px;
  border-left: 1px solid #dbe4e9;
}

.md-lp-index {
  grid-row: 1 / span 2;
  color: var(--md-public-accent,#176b5c);
  font-size: 13px;
  line-height: 1.4;
  font-weight: 700;
}

.md-lp-benefit h3,
.md-lp-step h3 {
  margin: 0 0 6px;
  color: var(--md-public-ink,#142433);
  font-size: 18px;
  line-height: 1.35;
  font-weight: 700;
}

.md-lp-benefit p,
.md-lp-step p {
  margin: 0;
  color: var(--md-public-body,#5a6d7c);
  font-size: 14px;
  line-height: 1.6;
}

.md-lp-process {
  background: var(--md-public-mist,#f3f7f5);
}

.md-lp-process-grid,
.md-lp-faq-wrap {
  display: grid;
  grid-template-columns: minmax(260px, .75fr) minmax(0, 1.25fr);
  gap: 72px;
  align-items: start;
}

.md-lp-text-link {
  display: inline-flex;
  margin-top: 22px;
  color: var(--md-public-accent,#4a35cd);
  font-size: 14px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.md-lp-step {
  display: grid;
  grid-template-columns: 36px minmax(0, 1fr);
  gap: 16px;
  padding: 0 0 22px;
}

.md-lp-step + .md-lp-step {
  padding-top: 22px;
  border-top: 1px solid var(--md-public-line,#cadad4);
}

.md-lp-step > span {
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  color: #ffffff;
  background: var(--md-public-accent,#176b5c);
  font-size: 13px;
  font-weight: 700;
}

.md-lp-faq {
  padding: 18px 0;
  border-bottom: 1px solid #dbe4e9;
}

.md-lp-faq:first-child {
  border-top: 1px solid #dbe4e9;
}

.md-lp-faq summary {
  position: relative;
  padding-right: 28px;
  color: var(--md-public-ink,#142433);
  font-size: 15px;
  line-height: 1.5;
  font-weight: 700;
  cursor: pointer;
  list-style: none;
}

.md-lp-faq summary::-webkit-details-marker {
  display: none;
}

.md-lp-faq summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: -2px;
  color: var(--md-public-accent,#176b5c);
  font-size: 20px;
  font-weight: 500;
}

.md-lp-faq[open] summary::after {
  content: "−";
}

.md-lp-faq div {
  padding: 12px 34px 0 0;
  color: var(--md-public-body,#5a6d7c);
  font-size: 14px;
  line-height: 1.65;
}

.md-lp-close {
  padding: 72px 0;
  color: #ffffff;
  background: var(--md-public-ink,#102a43);
  text-align: center;
}

.md-lp-close h2 {
  max-width: 760px;
  margin-right: auto;
  margin-left: auto;
  color: #ffffff;
}

.md-lp-close > .md-lp-wrap > p:not(.md-lp-eyebrow):not(.md-lp-legal) {
  max-width: 620px;
  margin-right: auto;
  margin-left: auto;
  color: #d8e4e9;
}

.md-lp-legal {
  max-width: 860px;
  margin: 28px auto 0;
  color: #aebfc8;
  font-size: 11px;
  line-height: 1.55;
}

@media (max-width: 760px) {
  .md-lp-wrap {
    width: min(100% - 32px, 1120px);
  }

  .md-lp-hero {
    height: auto;
    min-height: 0;
    padding: 32px 0;
    align-items: flex-end;
  }

  .md-lp-hero-copy h1 {
    font-size: 32px;
  }

  .md-lp-sub {
    font-size: 16px;
  }

  .md-lp-section,
  .md-lp-close {
    padding: 54px 0;
  }

  .md-lp-section-head h2,
  .md-lp-close h2 {
    font-size: 30px;
  }

  .md-lp-benefits,
  .md-lp-process-grid,
  .md-lp-faq-wrap {
    grid-template-columns: 1fr;
  }

  .md-lp-process-grid,
  .md-lp-faq-wrap {
    gap: 34px;
  }

  .md-lp-benefit,
  .md-lp-benefit:nth-child(even) {
    padding: 22px 0;
    border-left: 0;
  }
}

@media (max-width: 420px) {
  .md-lp-actions,
  .md-lp-primary,
  .md-lp-secondary {
    width: 100%;
  }

  .md-lp-primary,
  .md-lp-secondary {
    white-space: normal;
  }
}


/* ════════════════════════════════════════════════════════════════════════
   TCPA consent block (lead-form bottom)
   ════════════════════════════════════════════════════════════════════════ */
.tcpa-consent {
  display: flex; gap: 12px; align-items: flex-start;
  margin: 18px 0; padding: 14px 16px;
  background: var(--bg); border: 1px dashed var(--border);
  border-radius: var(--radius-sm); font-size: 12.5px;
  color: var(--text-soft); line-height: 1.55;
}
.tcpa-consent input[type=checkbox] {
  margin-top: 2px; width: 16px; height: 16px;
  accent-color: var(--brand-primary); flex-shrink: 0;
}
.tcpa-consent label { cursor: pointer; }
.tcpa-consent strong { color: var(--text); font-weight: 600; }
.tcpa-consent a { color: var(--brand-primary); font-weight: 600; }
.tcpa-consent-card {
  border-style: solid;
  background: linear-gradient(135deg, #fff, var(--brand-primary-soft));
}


/* ════════════════════════════════════════════════════════════════════════
   Cookie consent banner (strictly-necessary only)
   ════════════════════════════════════════════════════════════════════════ */
.md-cookie {
  position: fixed; left: 16px; right: 16px; bottom: 16px;
  z-index: 1000; max-width: 720px; margin: 0 auto;
  background: var(--brand-dark); color: #fff;
  border-radius: 14px; box-shadow: 0 18px 50px rgba(15,23,42,.25);
  transform: translateY(120%); opacity: 0;
  transition: transform 280ms cubic-bezier(.4,0,.2,1), opacity 200ms;
}
.md-cookie.show { transform: translateY(0); opacity: 1; }
.md-cookie-inner {
  display: flex; align-items: center; gap: 16px; padding: 14px 16px 14px 20px;
}
.md-cookie-text {
  flex: 1; font-size: 13.5px; line-height: 1.55; color: rgba(255,255,255,.88);
}
.md-cookie-text strong { color: #fff; font-weight: 700; }
.md-cookie-text a {
  color: var(--md-public-sky,#A5B4FC); text-decoration: underline; font-weight: 500;
}
.md-cookie-text a:hover { color: var(--md-public-sky,#C7D2FE); }
.md-cookie-btn {
  padding: 9px 18px; border-radius: 8px;
  background: var(--brand-primary); color: #fff;
  border: none; font-weight: 700; font-size: 13.5px;
  font-family: inherit; cursor: pointer; flex-shrink: 0;
  transition: background var(--transition), transform var(--transition);
}
.md-cookie-btn:hover { background: var(--brand-primary-hover); transform: translateY(-1px); }
@media (max-width: 600px) {
  .md-cookie-inner { flex-direction: column; align-items: stretch; gap: 12px; }
  .md-cookie-btn { width: 100%; }
}

/* Shared navigation refresh: direct desktop shortcuts and a task-oriented drawer. */
body {
  overflow-x: hidden;
}

.nav-primary-v3 {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  margin-left: auto;
  padding: 3px;
}

.nav-primary-v3 a {
  min-height: 38px;
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  white-space: nowrap;
  padding: 0 13px;
  border-radius: 7px;
  color: #334155;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  transition: background 160ms ease, color 160ms ease;
}

.nav-primary-v3 a:hover,
.nav-primary-v3 a[aria-current="page"] {
  color: #17324D;
  background: #EEF4F8;
}

.nav-drawer {
  width: min(440px, 96vw);
  visibility: hidden;
  background: #F8FAFC;
  box-shadow: -22px 0 56px rgba(15, 23, 42, .20);
  transition: transform 320ms cubic-bezier(.32,.72,0,1), visibility 0s linear 320ms;
}

body.nav-drawer-open .nav-drawer {
  visibility: visible;
  transition-delay: 0s;
}

.nav-drawer-head {
  min-height: 72px;
  padding: 13px 22px;
  background: #fff;
  border-bottom-color: #DCE5EC;
}

.nav-drawer-close {
  width: 40px;
  height: 40px;
  border: 1px solid #DCE5EC;
  border-radius: 7px;
  background: #F8FAFC;
  color: #17324D;
}

.nav-drawer-body {
  padding: 0 0 18px;
}

.nav-drawer-intro {
  padding: 19px 22px 16px;
  background: #fff;
  border-bottom: 1px solid #DCE5EC;
}

.nav-drawer-intro > span {
  display: block;
  margin-bottom: 6px;
  color: var(--md-public-accent,#2563EB);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.nav-drawer-intro strong {
  display: block;
  color: var(--md-public-ink,#102A43);
  font-size: 20px;
  line-height: 1.2;
  font-weight: 700;
}

.nav-drawer-intro p {
  margin: 6px 0 0;
  color: #62748A;
  font-size: 13px;
  line-height: 1.5;
}

.nav-drawer-section {
  padding: 15px 18px 4px;
}

.nav-drawer-section + .nav-drawer-section {
  margin-top: 0;
  padding-top: 18px;
  border-top: 0;
}

.nav-drawer-section-label {
  padding: 0 6px 9px;
  color: #62748A;
  font-size: 10px;
  letter-spacing: .07em;
}

.nav-drawer-grid {
  gap: 8px;
}

.nav-drawer-grid a {
  min-height: 70px;
  padding: 12px;
  border: 1px solid #DCE5EC;
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 2px 8px rgba(15, 23, 42, .03);
}

.nav-drawer-grid a:hover {
  color: var(--md-public-ink,#102A43);
  border-color: #AFC4D4;
  background: #F3F7FA;
  transform: translateY(-1px);
}

.nav-drawer-grid a:hover .nav-drawer-link-h {
  color: var(--md-public-ink,#102A43);
}

.nav-drawer-ico {
  width: 36px;
  height: 36px;
  border-radius: 7px;
  color: var(--md-public-accent,#2563EB);
  background: var(--md-public-mist,#EFF6FF);
}

.nav-drawer-grid a:nth-child(2) .nav-drawer-ico,
.nav-drawer-grid a:nth-child(4) .nav-drawer-ico {
  color: #0F766E;
  background: #ECFDF5;
}

.nav-drawer-link-h {
  color: var(--md-public-ink,#102A43);
  font-size: 13.5px;
  font-weight: 650;
}

.nav-drawer-link-sub {
  color: #62748A;
  font-size: 11px;
}

.nav-drawer-shortcuts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-top: 8px;
}

.nav-drawer-shortcuts a {
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr) auto;
  align-items: center;
  gap: 8px;
  min-height: 44px;
  padding: 8px 10px;
  border: 1px solid #DCE5EC;
  border-radius: 7px;
  background: #fff;
  color: #334155;
  font-size: 12px;
  font-weight: 650;
  text-decoration: none;
}

.nav-drawer-shortcuts a:hover {
  border-color: #AFC4D4;
  background: #F3F7FA;
}

.nav-drawer-shortcuts .nav-drawer-ico {
  width: 28px;
  height: 28px;
}

.nav-drawer-shortcuts .nav-drawer-ico svg {
  width: 17px;
  height: 17px;
}

.nav-drawer-tools {
  display: grid;
  gap: 7px;
}

.nav-drawer-tool {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  min-height: 58px;
  padding: 11px 13px;
  border: 1px solid #DCE5EC;
  border-radius: 8px;
  background: #fff;
  color: #17324D;
  text-decoration: none;
}

.nav-drawer-tool.primary {
  border-color: var(--md-public-line,#B9CBFF);
  background: var(--md-public-mist,#EEF3FF);
}

.nav-drawer-tool:hover {
  border-color: #90A9BE;
  background: #F3F7FA;
}

.nav-drawer-tool strong,
.nav-drawer-tool small {
  display: block;
}

.nav-drawer-tool strong {
  font-size: 13.5px;
}

.nav-drawer-tool small {
  margin-top: 2px;
  color: #62748A;
  font-size: 10.5px;
  line-height: 1.35;
}

.nav-drawer-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  padding: 0 12px;
}

.nav-drawer-columns .nav-drawer-section {
  min-width: 0;
  padding-left: 6px;
  padding-right: 6px;
}

.nav-drawer-list {
  gap: 3px;
}

.nav-drawer-list a {
  min-height: 40px;
  padding: 9px 10px;
  border-radius: 6px;
  color: #334155;
  font-size: 13px;
  font-weight: 550;
}

.nav-drawer-list a:hover {
  color: #17324D;
  background: #EAF1F5;
}

.nav-drawer-chev {
  color: #8EA1B2;
  font-size: 18px;
}

.nav-drawer-more {
  margin: 8px 18px 0 !important;
  padding: 15px 0 0 !important;
  border-top: 1px solid #DCE5EC !important;
}

.nav-drawer-list-inline {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 4px;
}

.nav-drawer-list-inline a {
  padding: 9px 8px;
  border: 1px solid transparent;
  background: #fff;
}

.nav-drawer-list-inline .nav-drawer-chev {
  display: none;
}

.nav-drawer-foot {
  padding: 12px 20px 15px;
  border-top-color: #DCE5EC;
  background: #fff;
}

.nav-drawer-help {
  display: flex;
  justify-content: center;
  gap: 8px 14px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}

.nav-drawer-help a {
  color: #475569;
  font-size: 11px;
  font-weight: 650;
  text-decoration: none;
}

.nav-drawer-help a:hover {
  color: var(--md-public-accent,#2563EB);
}

.nav-drawer-cta {
  min-height: 44px;
  padding: 10px 18px;
  border-radius: 7px;
  background: #17324D;
  font-size: 13.5px;
  font-weight: 650;
  box-shadow: none;
}

.nav-drawer-cta:hover {
  background: #0C2538;
}

@media (max-width: 1080px) {
  .nav-primary-v3 {
    display: none;
  }
}

@media (max-width: 560px) {
  .nav-drawer-shortcuts,
  .nav-drawer-list-inline {
    grid-template-columns: 1fr;
  }

  .nav-drawer-list-inline .nav-drawer-chev {
    display: inline;
  }
}

@media (max-width: 380px) {
  .nav-phone-v3 {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

/* ======================== calculator pages ======================== */

.calc-page-hero {
  padding: 58px 0 34px;
  background:
    radial-gradient(720px 280px at 18% 0%, rgba(var(--md-public-accent-rgb,67,83,232),.10), transparent 62%),
    radial-gradient(760px 320px at 88% 20%, rgba(14, 165, 233, .12), transparent 62%),
    linear-gradient(180deg, #FAFBFF 0%, var(--bg) 100%);
}
.calc-back {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 13.5px; font-weight: 700; color: var(--brand-primary);
  text-decoration: none; margin-bottom: 14px;
}
.calc-back:hover { text-decoration: underline; }
.calc-page-title {
  font-size: clamp(32px, 5vw, 48px); font-weight: 800;
  letter-spacing: -.025em; color: var(--text); line-height: 1.08;
  margin: 10px 0 12px;
}
.calc-page-lead {
  font-size: 17px; color: var(--text-soft); line-height: 1.55;
  max-width: 800px;
}
.calc-shell { padding: 30px 0 82px; }
.calc-shell-inner {
  display: grid; grid-template-columns: minmax(300px, 390px) minmax(0, 1fr);
  gap: 24px; align-items: flex-start;
}
@media (max-width: 900px) { .calc-shell-inner { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 600px) {
  .calc-form-card .calc-widget-body { padding: 24px 0; }
  .calc-form-card .slider-row { flex-direction: column; align-items: stretch; gap: 8px; }
  .calc-form-card .slider-row > span { display: flex; align-items: center; gap: 8px; }
  .calc-form-card input.slider-value { width: 100%; min-width: 0; max-width: none; margin: 0; text-align: left; }
  .calc-form-card .slider-value-sub { flex-shrink: 0; margin-left: 0; white-space: nowrap; }
}

.calc-form-card,
.calc-result-card {
  background: rgba(255,255,255,.96);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: 0 10px 28px rgba(15, 23, 42, .06);
  padding: 24px;
}
.calc-form-card { position: sticky; top: 86px; }
@media (max-width: 900px) { .calc-form-card { position: static; } }

.calc-form-h {
  font-size: 12px; font-weight: 850; text-transform: uppercase;
  letter-spacing: .7px; color: var(--text-muted); margin: 20px 0 12px;
}
.calc-form-h:first-child { margin-top: 0; }
.calc-field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 14px; }
.calc-field label,
.calc-label {
  font-size: 11.5px; font-weight: 800; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: .5px;
}
.calc-field input,
.calc-field select {
  width: 100%; min-height: 42px;
  padding: 11px 12px; border: 1.5px solid var(--border);
  border-radius: 8px; font-size: 15.5px; font-family: inherit;
  font-weight: 700; color: var(--text); background: #fff;
}
.calc-field input:focus,
.calc-field select:focus {
  outline: none; border-color: var(--md-public-accent,#2563EB);
  box-shadow: 0 0 0 3px rgba(var(--md-public-accent-rgb,37,99,235),.13);
}
.calc-tip {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  width: 17px; height: 17px; border-radius: 50%; margin-left: 5px;
  background: var(--md-public-mist,#DBEAFE); color: var(--md-public-hover,#1D4ED8); font-size: 11px; font-weight: 900;
  text-transform: none; letter-spacing: 0;
}
.calc-tip:hover::after,
.calc-tip:focus-visible::after {
  content: attr(data-tip);
  position: absolute; left: 50%; bottom: calc(100% + 8px); transform: translateX(-50%);
  width: min(260px, 72vw); background: #0F172A; color: #fff;
  border-radius: 8px; padding: 9px 10px; font-size: 12px; line-height: 1.35;
  box-shadow: 0 12px 30px rgba(15, 23, 42, .2); z-index: 10;
}
.calc-range {
  margin-top: 1px;
}
.calc-presets {
  display: flex; flex-wrap: wrap; gap: 7px; margin-top: 8px;
}
.calc-preset {
  border: 1px solid var(--border);
  background: var(--surface);
  color: var(--text-soft);
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 12px;
  font-weight: 800;
  transition: all var(--transition);
}
.calc-preset:hover,
.calc-preset.active {
  border-color: var(--md-public-accent,#2563EB);
  background: var(--md-public-mist,#EFF6FF);
  color: var(--md-public-hover,#1D4ED8);
}

.calc-result-stats {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px; margin-bottom: 20px;
}
@media (max-width: 620px) { .calc-result-stats { grid-template-columns: 1fr; } }
.cs {
  background: var(--bg); border: 1.5px solid var(--border-soft);
  border-radius: 9px; padding: 16px 18px; min-width: 0;
}
.cs-primary { background: var(--md-public-mist,#EFF6FF); border-color: var(--md-public-line,#BFDBFE); }
.cs-good { background: #ECFDF5; border-color: #A7F3D0; }
.cs-warn { background: #FFFBEB; border-color: #FCD34D; }
.cs-l {
  font-size: 10.5px; font-weight: 800; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: .5px;
}
.cs-v {
  font-size: clamp(22px, 4vw, 28px); font-weight: 850;
  color: var(--text); letter-spacing: -.02em; margin-top: 6px;
  overflow-wrap: anywhere;
}
.cs-sub { font-size: 11.5px; color: var(--text-muted); margin-top: 4px; line-height: 1.35; }
.cs-primary .cs-v { color: var(--md-public-hover,#1D4ED8); }
.cs-good .cs-v { color: #047857; }
.cs-warn .cs-v { color: #92400E; }

.calc-result-band {
  padding: 16px 18px; border-radius: 9px;
  background: linear-gradient(135deg, var(--md-public-mist,#EFF6FF), var(--md-public-mist,#F0FDFA));
  border: 1.5px solid var(--md-public-line,#BFDBFE); margin-bottom: 18px;
}
.calc-result-band.bad { background: #FEF3C7; border-color: #FCD34D; }
.calc-result-band.worse { background: #FEE2E2; border-color: #FECACA; }
.rv-title { font-size: 16px; font-weight: 850; color: var(--md-public-hover,#1D4ED8); letter-spacing: -.005em; }
.calc-result-band.bad .rv-title { color: #92400E; }
.calc-result-band.worse .rv-title { color: #991B1B; }
.rv-sub { font-size: 13.5px; color: var(--text-soft); margin-top: 4px; line-height: 1.5; }

.calc-lifetime {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px;
}
@media (max-width: 620px) { .calc-lifetime { grid-template-columns: 1fr; } }
.calc-lifetime > div {
  padding: 14px 18px; background: #fff; border: 1.5px solid var(--border);
  border-radius: 9px; min-width: 0;
}
.cl-l {
  display: block; font-size: 11px; font-weight: 800; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 4px;
}
.calc-lifetime strong {
  font-size: 20px; font-weight: 850; color: var(--text); letter-spacing: -.015em;
}
.calc-disclaim {
  font-size: 11.5px; color: var(--text-muted); line-height: 1.55; margin-top: 14px;
}

.calc-rate-context-wrap { margin-top: 24px; }
.calc-rate-context {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 18px;
  margin-top: 26px;
  padding: 16px 18px;
  border: 1px solid var(--md-public-line,#d9d3f5);
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 10px 28px rgba(16, 26, 58, .055);
}
.calc-rate-context-wrap > .calc-rate-context { margin-top: 0; }
.calc-rate-context-value {
  min-width: 128px;
  padding-right: 18px;
  border-right: 1px solid var(--md-public-line,#e4e0f2);
}
.calc-rate-context-value span {
  display: block;
  color: var(--md-public-body,#625a76);
  font-size: 10px;
  font-weight: 850;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.calc-rate-context-value strong {
  display: block;
  margin-top: 4px;
  color: var(--md-public-hover,#3038A8);
  font-size: 27px;
  font-weight: 850;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.calc-rate-context-copy { display: grid; gap: 3px; min-width: 0; }
.calc-rate-context-copy b { color: var(--md-public-ink,#101a3a); font-size: 13px; }
.calc-rate-context-copy span { color: var(--md-public-body,#4f5a70); font-size: 12px; font-weight: 700; }
.calc-rate-context-copy small { color: var(--md-public-body,#626a7c); font-size: 10.5px; line-height: 1.45; }
.calc-rate-context > a {
  min-height: 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 9px 13px;
  border-radius: 6px;
  background: var(--md-public-accent,#4353E8);
  color: #fff;
  font-size: 12px;
  font-weight: 850;
  text-decoration: none;
  white-space: nowrap;
}
.calc-rate-context > a:hover { background: var(--md-public-hover,#3038A8); }
.calc-rate-context.is-refreshing { border-color: var(--md-public-line,#DDE5EC); background: var(--md-public-mist,#F4F7FA); }
.calc-rate-context.is-refreshing .calc-rate-context-value strong { color: var(--md-public-body,#596174); }

@media (max-width: 760px) {
  .calc-rate-context { grid-template-columns: 1fr; gap: 12px; }
  .calc-rate-context-value { padding: 0 0 12px; border-right: 0; border-bottom: 1px solid var(--md-public-line,#e4e0f2); }
  .calc-rate-context > a { justify-self: start; white-space: normal; }
}

/* ======================================================================
   2026 paired public brand system
   MortgageDoor and VORA share these surfaces; brand wrappers only replace
   the primary color. White and cloud carry the layout, with brass reserved
   for small, meaningful highlights.
   ====================================================================== */
html { color-scheme: light; }

body {
  color: var(--text);
  background: var(--bg);
  font-family: "DM Sans", "Avenir Next", Avenir, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

::selection { color: #FFFFFF; background: var(--brand-primary); }

:where(a, button, input, select, textarea, summary):focus-visible {
  outline: 3px solid color-mix(in srgb, var(--brand-primary) 58%, #FFFFFF);
  outline-offset: 3px;
}

.nav.nav-v3 {
  min-height: 74px;
  background: rgba(255, 255, 255, .97);
  border-bottom-color: var(--border);
}

.nav-primary-v3 a { color: var(--text-soft); }
.nav-primary-v3 a:hover,
.nav-primary-v3 a[aria-current="page"] { color: var(--brand-primary-hover); background: var(--brand-primary-soft); }
.nav-phone-v3,
.nav-signin-v3 { color: var(--text-soft); }
.nav-phone-v3 svg { color: var(--brand-primary); }
.nav-apply-v3,
body.mdr-home-page .nav-apply-v3 { border-radius: 7px; background: var(--brand-primary); box-shadow: none; }
.nav-apply-v3:hover,
body.mdr-home-page .nav-apply-v3:hover { background: var(--brand-primary-hover); box-shadow: none; }
.nav-burger,
body.mdr-home-page .nav-burger { color: var(--text); background: var(--bg); border-color: var(--border); }
.nav-burger:hover,
body.mdr-home-page .nav-burger:hover { color: var(--brand-primary-hover); background: #FFFFFF; border-color: var(--brand-primary); }

.nav-drawer { color: var(--text); background: var(--bg); }
.nav-drawer-head,
.nav-drawer-intro,
.nav-drawer-grid a,
.nav-drawer-shortcuts a,
.nav-drawer-tool,
.nav-drawer-list-inline a,
.nav-drawer-foot { background: #FFFFFF; border-color: var(--border); }
.nav-drawer-close { color: var(--text); background: var(--bg); border-color: var(--border); }
.nav-drawer-intro > span,
.nav-drawer-ico,
.nav-drawer-help a:hover { color: var(--brand-primary); }
.nav-drawer-intro strong,
.nav-drawer-link-h,
.nav-drawer-tool,
.nav-drawer-grid a:hover .nav-drawer-link-h { color: var(--text); }
.nav-drawer-intro p,
.nav-drawer-section-label,
.nav-drawer-link-sub,
.nav-drawer-tool small { color: var(--text-muted); }
.nav-drawer-ico { background: var(--brand-primary-soft); }
.nav-drawer-grid a:nth-child(2) .nav-drawer-ico,
.nav-drawer-grid a:nth-child(4) .nav-drawer-ico { color: var(--brand-primary); background: var(--brand-primary-soft); }
.nav-drawer-grid a:hover,
.nav-drawer-shortcuts a:hover,
.nav-drawer-tool:hover,
.nav-drawer-list a:hover { color: var(--brand-primary-hover); background: var(--brand-primary-soft); border-color: var(--brand-primary-light); }
.nav-drawer-tool.primary { border-color: var(--brand-primary-light); background: var(--brand-primary-soft); }
.nav-drawer-cta { background: var(--brand-primary); }
.nav-drawer-cta:hover { background: var(--brand-primary-hover); }

.btn-primary,
.btn-mega,
.btn-cta-block,
.calc-rate-context > a { background: var(--brand-primary); box-shadow: 0 10px 24px rgba(var(--md-public-accent-rgb,67,83,232),.16); }
.btn-primary:hover,
.btn-mega:hover,
.btn-cta-block:hover,
.calc-rate-context > a:hover { background: var(--brand-primary-hover); box-shadow: 0 12px 28px rgba(var(--md-public-accent-rgb,67,83,232),.18); }
.btn-secondary,
.btn-mega-ghost { color: var(--text); background: #FFFFFF; border-color: var(--border); }
.btn-secondary:hover,
.btn-mega-ghost:hover { color: var(--brand-primary-hover); border-color: var(--brand-primary); background: var(--brand-primary-soft); }

.hero,
.hero-v2,
.calc-page-hero {
  background:
    radial-gradient(760px 300px at 14% 0%, color-mix(in srgb, var(--brand-primary-soft) 82%, transparent), transparent 68%),
    linear-gradient(180deg, #FFFFFF 0%, var(--bg) 100%);
  border-color: var(--border);
}

.feature-card,
.option-card,
.opt-tile,
.how-step,
.calc-widget,
.calc-card,
.steps-container,
.thanks-card,
.calc-form-card,
.calc-result-card,
.calc-lifetime > div,
.calc-rate-context {
  color: var(--text);
  background: #FFFFFF;
  border-color: var(--border);
  box-shadow: 0 12px 36px rgba(16, 36, 58, .07);
}
.feature-card:hover,
.option-card:hover,
.opt-tile:hover { border-color: var(--brand-primary); box-shadow: 0 14px 38px rgba(16, 36, 58, .09); }

.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="password"],
.field input[type="number"],
.field input[type="date"],
.field select,
.field textarea,
.calc-field input,
.calc-field select {
  color: var(--text);
  background: #FFFFFF;
  border-color: var(--border);
}
.field input:focus,
.field select:focus,
.field textarea:focus,
.calc-field input:focus,
.calc-field select:focus { border-color: var(--brand-primary); box-shadow: 0 0 0 3px color-mix(in srgb, var(--brand-primary) 15%, transparent); }

.chip.selected,
.calc-preset:hover,
.calc-preset.active { color: var(--brand-primary-hover); background: var(--brand-primary-soft); border-color: var(--brand-primary); }
.steps-progress-bar-fill { background: var(--brand-primary); }
.step-actions { background: var(--bg); border-color: var(--border); }

.rates-strip,
.cta-final-card,
.md-lp-close {
  color: var(--text);
  background: var(--brand-primary-soft);
  border-top: 1px solid var(--brand-primary-light);
  border-bottom: 1px solid var(--brand-primary-light);
}
.rates-strip-inner,
.rates-strip-head h2,
.rate-value,
.cta-final-card h2,
.md-lp-close h2 { color: var(--text); }
.rates-strip-meta,
.rate-label,
.rate-sub,
.cta-final-card p,
.cta-final-trust,
.md-lp-close > .md-lp-wrap > p:not(.md-lp-eyebrow):not(.md-lp-legal),
.md-lp-legal { color: var(--text-muted); }
.rate-cta { color: #FFFFFF; background: var(--brand-primary); }

.calc-widget-result { background: linear-gradient(135deg, var(--brand-primary), var(--brand-primary-hover)); }
.calc-result-band,
.cs-primary { background: var(--brand-primary-soft); border-color: var(--brand-primary-light); }
.cs-primary .cs-v,
.rv-title,
.calc-rate-context-value strong,
.calc-rate-context-copy b { color: var(--brand-primary-hover); }
.calc-rate-context { border-color: var(--brand-primary-light); }
.calc-rate-context-value { border-color: var(--border); }
.calc-rate-context-value span,
.calc-rate-context-copy span,
.calc-rate-context-copy small { color: var(--text-muted); }
.calc-rate-context.is-refreshing { border-color: var(--border); background: var(--bg); }

footer {
  color: var(--text-soft);
  background: var(--bg);
  border-top: 1px solid var(--border);
}
.footer-brand { color: var(--text); }
.footer-brand p { color: var(--text-muted); opacity: 1; }
.footer-tagline { margin-bottom: 14px; color: var(--brand-primary-hover); font-size: 11px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.footer-col h3,
.footer-col h4 { color: var(--text); }
.footer-col a { color: var(--text-soft); }
.footer-col a:hover,
.footer-legal a { color: var(--brand-primary-hover); }
.footer-legal { color: var(--text-muted); border-top-color: var(--border); }
.footer-licenses { color: var(--text-soft); }
.footer-signout { margin-top: 8px; padding-top: 8px; border-top: 1px solid var(--border); }
.footer-copyright { margin-top: 16px; color: var(--text-muted); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; }
}