/* Private Mortgage Desk — v3 premium
   Palette (Conceptzilla reference): ink #0F100F, charcoal #3C403E, paper #F6F7F6, stone #818179, mist #9B9F9A + sage accent */
:root {
  --ink: #0f100f; --ink-2: #1a1c1a; --charcoal: #3c403e; --paper: #f6f7f6; --paper-2: #eceeec; --white: #fff;
  --stone: #818179; --mist: #9b9f9a; --line: #dfe2df; --line-2: #e9ebe9;
  --sage: #4f6f5f; --sage-2: #3f5b4d; --sage-3: #9ec2ad; --sage-soft: #e3ebe6; --sage-card: #d3ddd6;
  --gold: #b8975a; --amber: #8a6a1f; --amber-soft: #f3ecdc; --red: #9a4b3b;
  --text: var(--ink); --text-2: var(--charcoal); --bg: var(--paper); --card: var(--white);
  --r: 14px; --r-sm: 8px; --max: 1200px;
  --font: "Manrope", "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --sh-1: 0 1px 2px rgba(15,16,15,.04), 0 4px 16px rgba(15,16,15,.06);
  --sh-2: 0 10px 40px rgba(15,16,15,.12);
  --ease: cubic-bezier(.2,.7,.2,1);
}
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) {
  --bg: #111311; --paper-2: #181b18; --card: #171a17; --text: #eef0ed; --text-2: #c4c8c3; --line: #2a2e2a; --line-2: #222622;
  --stone: #9b9f9a; --sage-soft: #1d2a23; --sage-card: #1f2c25; --amber-soft: #2a2416; --sh-1: 0 1px 2px rgba(0,0,0,.3); --sh-2: 0 10px 40px rgba(0,0,0,.5); } }
:root[data-theme="dark"] {
  --bg: #111311; --paper-2: #181b18; --card: #171a17; --text: #eef0ed; --text-2: #c4c8c3; --line: #2a2e2a; --line-2: #222622;
  --stone: #9b9f9a; --sage-soft: #1d2a23; --sage-card: #1f2c25; --amber-soft: #2a2416; --sh-1: 0 1px 2px rgba(0,0,0,.3); --sh-2: 0 10px 40px rgba(0,0,0,.5); }

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; background: var(--bg); color: var(--text); font-family: var(--font); font-size: 17px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--sage-2); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--text); }
h1, h2, h3, h4 { color: var(--text); margin: 0 0 .5em; line-height: 1.1; letter-spacing: -0.025em; font-weight: 700; }
h1 { font-size: clamp(2.1rem, 4.8vw, 3.7rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.5rem); }
h3 { font-size: 1.15rem; letter-spacing: -0.015em; }
h4 { font-size: 1rem; }
p { margin: 0 0 1em; }
.lead { font-size: 1.12rem; color: var(--text-2); max-width: 58ch; }
.small { font-size: .86rem; color: var(--stone); }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .74rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--sage); margin-bottom: 14px; }
.eyebrow::before { content: ""; width: 22px; height: 1.5px; background: currentColor; opacity: .7; }
.eyebrow.light { color: var(--sage-3); }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.section { padding: 96px 0; position: relative; }
.section.alt { background: var(--paper-2); }
.section.dark { background: var(--ink); color: #e8eae7; }
.section.dark h2, .section.dark h3, .section.dark h4 { color: #fff; }
.section.dark .lead, .section.dark p { color: #bfc3be; }
.section-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 28px; margin-bottom: 44px; flex-wrap: wrap; }
.section-head .lead { margin: 0; }
.mb-0 { margin-bottom: 0; } .mt-0 { margin-top: 0; } .center { text-align: center; }
.skip { position: absolute; left: -9999px; } .skip:focus { left: 16px; top: 8px; background: var(--card); padding: 8px; z-index: 200; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 24px; border-radius: 999px; font-weight: 700; font-family: inherit; font-size: .95rem; line-height: 1.1; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: transform .2s var(--ease), background .2s, color .2s, border-color .2s, box-shadow .2s; }
.btn:hover { transform: translateY(-1px); }
.btn.primary { background: var(--ink); color: #fff; }
.btn.primary:hover { background: var(--sage-2); color: #fff; box-shadow: 0 8px 24px rgba(63,91,77,.3); }
.btn.light { background: #fff; color: var(--ink); }
.btn.light:hover { background: var(--sage-soft); color: var(--ink); }
.btn.ghost { background: transparent; color: var(--text); border-color: var(--line); }
.btn.ghost:hover { border-color: var(--text); }
.btn.ghost.on-dark { color: #fff; border-color: rgba(255,255,255,.4); }
.btn.ghost.on-dark:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn.small { padding: 10px 18px; font-size: .86rem; }
.btn.block { width: 100%; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* Header: transparent over dark heroes, solid on scroll */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 100; transition: background .3s, box-shadow .3s, border-color .3s; border-bottom: 1px solid transparent; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; font-weight: 800; font-size: 1.08rem; letter-spacing: -0.02em; }
.brand .mark { width: 34px; height: 34px; border-radius: 9px; background: #fff; color: var(--ink); display: grid; place-items: center; font-size: .7rem; font-weight: 800; letter-spacing: 0; }
.nav { display: flex; align-items: center; gap: 2px; }
.nav a { color: rgba(255,255,255,.86); text-decoration: none; font-size: .92rem; font-weight: 600; padding: 9px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current] { color: #fff; background: rgba(255,255,255,.1); }
.nav .btn { margin-left: 10px; }
.nav-toggle { display: none; background: none; border: 1px solid rgba(255,255,255,.4); color: #fff; border-radius: 999px; padding: 8px 16px; font: inherit; font-weight: 700; font-size: .88rem; }
.site-header.scrolled { background: rgba(246,247,246,.94); backdrop-filter: saturate(150%) blur(10px); border-bottom-color: var(--line); box-shadow: 0 2px 20px rgba(15,16,15,.06); }
.site-header.scrolled .brand { color: var(--ink); }
.site-header.scrolled .brand .mark { background: var(--ink); color: #fff; }
.site-header.scrolled .nav a { color: var(--charcoal); }
.site-header.scrolled .nav a:hover, .site-header.scrolled .nav a[aria-current] { color: var(--ink); background: var(--paper-2); }
.site-header.scrolled .nav .btn.light { background: var(--ink); color: #fff; }
.site-header.scrolled .nav-toggle { color: var(--ink); border-color: var(--line); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .site-header.scrolled { background: rgba(17,19,17,.92); } :root:not([data-theme="light"]) .site-header.scrolled .brand, :root:not([data-theme="light"]) .site-header.scrolled .nav a { color: #eef0ed; } }
@media (max-width: 1020px) {
  .nav-toggle { display: inline-block; }
  .nav { display: none; position: absolute; top: 76px; left: 12px; right: 12px; flex-direction: column; align-items: stretch; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 10px; box-shadow: var(--sh-2); }
  .nav.open { display: flex; }
  .nav a { color: var(--charcoal) !important; padding: 12px; }
  .nav .btn { margin: 8px 0 0; background: var(--ink) !important; color: #fff !important; }
}

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s } .reveal.d2 { transition-delay: .16s } .reveal.d3 { transition-delay: .24s }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* HOME HERO */
.hero { position: relative; min-height: 100vh; min-height: 100svh; display: flex; align-items: flex-end; color: #fff; overflow: hidden; background: var(--ink); }
.hero-slides { position: absolute; inset: 0; }
.hero-slides .slide { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0; transition: opacity 1.8s ease; filter: grayscale(.25) contrast(1.05); }
.hero-slides .slide.is-active { opacity: 1; animation: kb-in 10s ease-in-out forwards; }
.hero-slides .slide.is-active.zoom-out { animation-name: kb-out; }
@keyframes kb-in { from { transform: scale(1); } to { transform: scale(1.08); } }
@keyframes kb-out { from { transform: scale(1.08); } to { transform: scale(1); } }
.hero-shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,16,15,.55) 0%, rgba(15,16,15,.3) 28%, rgba(15,16,15,.72) 58%, rgba(15,16,15,.92) 100%); }
.hero .wrap { position: relative; z-index: 2; padding-top: 140px; padding-bottom: 72px; width: 100%; }
.hero h1 { color: #fff; max-width: 16ch; font-size: clamp(2.4rem, 5.6vw, 4.6rem); margin-bottom: .35em; }
.hero .lead { color: #d6d9d5; font-size: 1.16rem; max-width: 56ch; }
.hero .cta-row { margin-top: 30px; }
.hero-proof { display: flex; flex-wrap: wrap; gap: 10px; margin: 34px 0 0; padding: 0; list-style: none; }
.hero-proof li { font-size: .86rem; color: #e6e8e5; padding: 8px 14px; border: 1px solid rgba(255,255,255,.22); border-radius: 999px; backdrop-filter: blur(6px); background: rgba(255,255,255,.06); }
.hero-dots { position: absolute; right: 22px; bottom: 30px; z-index: 3; display: flex; gap: 8px; }
.hero-dots button { width: 28px; height: 3px; border: 0; background: rgba(255,255,255,.35); cursor: pointer; padding: 0; border-radius: 2px; transition: background .3s, width .3s; }
.hero-dots button.on { background: #fff; width: 44px; }
.hero-scroll { position: absolute; left: 50%; bottom: 22px; z-index: 3; transform: translateX(-50%); width: 24px; height: 38px; border: 1.5px solid rgba(255,255,255,.5); border-radius: 14px; }
.hero-scroll::after { content: ""; position: absolute; left: 50%; top: 8px; width: 3px; height: 7px; margin-left: -1.5px; background: #fff; border-radius: 2px; animation: wheel 1.8s infinite; }
@keyframes wheel { 0% { opacity: 1; transform: translateY(0); } 100% { opacity: 0; transform: translateY(12px); } }
@media (prefers-reduced-motion: reduce) { .hero-slides .slide.is-active { animation: none; } }
@media (max-width: 760px) { .hero-dots { display: none; } .hero .wrap { padding-bottom: 96px; } }

/* MARQUEE (lenders) */
.marquee-section { padding: 44px 0 30px; background: var(--card); border-bottom: 1px solid var(--line); }
.marquee-head { text-align: center; font-size: .76rem; letter-spacing: .14em; text-transform: uppercase; color: var(--stone); font-weight: 800; margin: 0 0 22px; }
.marquee { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.marquee-track { display: flex; align-items: center; gap: 18px; width: max-content; animation: marquee 80s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.mq-item { flex: none; height: 72px; min-width: 170px; padding: 0 22px; display: flex; flex-direction: column; justify-content: center; align-items: center; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: var(--bg); }
/* All lender logos as one flat grey (stone) tone, to match the palette */
.mq-item.logo img { max-height: 38px; max-width: 150px; width: auto; object-fit: contain; filter: brightness(0) opacity(.5); transition: filter .3s; }
.mq-item.logo:hover img { filter: brightness(0) opacity(.8); }
.mq-item.logo.tone img { filter: grayscale(1) contrast(1.3) opacity(.7); mix-blend-mode: multiply; }
.mq-item.logo.tone:hover img { filter: grayscale(1) contrast(1.3) opacity(.9); }
.mq-item.logo.icon { flex-direction: row; gap: 10px; }
.mq-item.logo.icon img { max-height: 30px; max-width: 34px; }
.mq-item.logo.icon .n { color: var(--stone); font-size: .9rem; }
/* Text-only lender tiles in the same grey tone */
.mq-item:not(.logo) .n { color: var(--stone); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .mq-item.logo img { filter: brightness(0) invert(1) opacity(.55); } }
.mq-item .n { font-weight: 800; font-size: .95rem; color: var(--text); white-space: nowrap; letter-spacing: -0.01em; }
.mq-item .s { font-size: .7rem; color: var(--stone); letter-spacing: .08em; text-transform: uppercase; }
@keyframes marquee { to { transform: translateX(-50%); } }
.marquee-note { text-align: center; font-size: .78rem; color: var(--stone); margin: 18px 0 0; }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; flex-wrap: wrap; width: auto; justify-content: center; } }

/* RATE BANNER */
.rate-banner { padding: 72px 0 36px; background: var(--bg); }
.rb-inner { position: relative; overflow: hidden; border-radius: 22px; background: radial-gradient(1200px 400px at 85% -20%, rgba(158,194,173,.28), transparent 60%), linear-gradient(135deg, #0f100f 0%, #1f2a24 100%); color: #fff; padding: clamp(32px, 5vw, 64px); display: grid; grid-template-columns: 1.4fr 1fr; gap: 36px; align-items: center; }
.rb-inner::after { content: ""; position: absolute; right: -80px; bottom: -120px; width: 360px; height: 360px; border-radius: 50%; border: 1px solid rgba(255,255,255,.08); box-shadow: 0 0 0 40px rgba(255,255,255,.02), 0 0 0 80px rgba(255,255,255,.015); }
.rb-title { color: #fff; font-size: clamp(1.8rem, 3.6vw, 2.8rem); margin: 0 0 14px; }
.rb-rate { display: block; font-size: clamp(4rem, 11vw, 8rem); line-height: .95; letter-spacing: -0.05em; background: linear-gradient(180deg, #fff, #cfe2d6); -webkit-background-clip: text; background-clip: text; color: transparent; }
.rb-rate sup { font-size: .32em; vertical-align: top; color: var(--sage-3); -webkit-text-fill-color: var(--sage-3); margin-left: 4px; }
.rb-sub { color: #c9cdc8; max-width: 46ch; margin: 0; }
.rb-sub sup { color: var(--sage-3); }
.rb-right { display: grid; gap: 12px; position: relative; z-index: 1; }
.rb-chip { display: flex; justify-content: space-between; align-items: center; padding: 16px 20px; border: 1px solid rgba(255,255,255,.14); border-radius: 12px; background: rgba(255,255,255,.04); backdrop-filter: blur(4px); }
.rb-chip .k { color: #bfc3be; font-size: .9rem; } .rb-chip .v { font-weight: 800; font-size: 1.15rem; }
.rb-disclaimer { font-size: .76rem; color: var(--stone); line-height: 1.55; margin: 16px 6px 0; max-width: 110ch; }
@media (max-width: 860px) { .rb-inner { grid-template-columns: 1fr; } }

/* PAYMENT CALCULATOR */
.calc-section { padding-top: 56px; }
.pcalc { display: grid; grid-template-columns: 1.15fr 1fr; border-radius: 22px; overflow: hidden; box-shadow: var(--sh-2); border: 1px solid var(--line); }
.pc-inputs { background: var(--card); padding: clamp(24px, 4vw, 44px); display: grid; gap: 22px; }
.pc-field label { display: block; font-size: .8rem; font-weight: 800; letter-spacing: .04em; color: var(--text-2); margin-bottom: 8px; text-transform: uppercase; }
.pc-money { display: flex; align-items: center; gap: 6px; border-bottom: 2px solid var(--line); padding-bottom: 6px; margin-bottom: 12px; }
.pc-money span { font-size: 1.6rem; font-weight: 700; color: var(--stone); }
.pc-money input { border: 0; background: transparent; font: inherit; font-size: 2rem; font-weight: 800; letter-spacing: -0.03em; color: var(--text); width: 100%; outline: none; }
.pc-field input[type=range] { width: 100%; accent-color: var(--sage); }
.pc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.pc-field select { width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); color: var(--text); font: inherit; font-weight: 600; }
.seg { display: inline-flex; background: var(--paper-2); border-radius: 999px; padding: 4px; width: 100%; }
.seg button { flex: 1; border: 0; background: transparent; padding: 10px 12px; border-radius: 999px; font: inherit; font-weight: 700; font-size: .86rem; color: var(--text-2); cursor: pointer; }
.seg button.on { background: var(--ink); color: #fff; }
.pc-output { background: var(--ink); color: #fff; padding: clamp(24px, 4vw, 44px); display: flex; flex-direction: column; gap: 18px; }
.pc-output .k { color: var(--sage-3); font-size: .78rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.pc-big { font-size: clamp(3rem, 7vw, 4.6rem); font-weight: 800; letter-spacing: -0.05em; line-height: 1; }
.pc-split .bar { display: flex; height: 12px; border-radius: 999px; overflow: hidden; background: rgba(255,255,255,.1); }
.pc-split .bar span { display: block; height: 100%; transition: width .6s var(--ease); }
#p-bar-p { background: var(--sage-3); } #p-bar-i { background: var(--gold); }
.pc-split .legend { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 10px; font-size: .86rem; color: #c9cdc8; }
.pc-split .legend b { color: #fff; margin-left: 4px; }
.dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; } .dot.p { background: var(--sage-3); } .dot.i { background: var(--gold); }
.pc-dl { margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.pc-dl div { border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 12px 14px; }
.pc-dl dt { font-size: .76rem; color: #bfc3be; } .pc-dl dd { margin: 4px 0 0; font-weight: 800; font-size: 1.2rem; }
.pc-note { font-size: .74rem; color: #9b9f9a; margin: 0; }
@media (max-width: 900px) { .pcalc { grid-template-columns: 1fr; } }

/* VALUE TABS (interactive) */
.vt { display: grid; grid-template-columns: 380px 1fr; gap: 28px; align-items: stretch; }
.vt-tabs { display: grid; gap: 10px; align-content: start; }
.vt-tab { text-align: left; border: 1px solid var(--line); background: var(--card); border-radius: var(--r); padding: 20px 22px; cursor: pointer; font: inherit; color: var(--text); display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: center; transition: border-color .25s, box-shadow .25s, transform .25s; }
.vt-tab .ic { width: 40px; height: 40px; border-radius: 10px; background: var(--sage-soft); color: var(--sage-2); display: grid; place-items: center; font-weight: 800; font-size: .82rem; }
.vt-tab b { display: block; font-size: 1.02rem; letter-spacing: -0.01em; }
.vt-tab small { color: var(--stone); font-size: .84rem; }
.vt-tab:hover { border-color: var(--mist); transform: translateX(3px); }
.vt-tab.on { border-color: var(--ink); box-shadow: var(--sh-1); }
.vt-tab.on .ic { background: var(--ink); color: #fff; }
.vt-panels { position: relative; background: var(--ink); color: #fff; border-radius: 22px; padding: clamp(26px, 4vw, 48px); overflow: hidden; min-height: 440px; }
.vt-panel { display: none; animation: fadeUp .5s var(--ease); }
.vt-panel.on { display: block; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }
.vt-panel h3 { color: #fff; font-size: clamp(1.4rem, 2.4vw, 1.9rem); margin-bottom: 10px; }
.vt-panel p { color: #c4c8c3; max-width: 52ch; }
.vt-panel .btn { margin-top: 12px; }
.vt-visual { margin: 22px 0 8px; }
.vbar { display: flex; height: 44px; border-radius: 10px; overflow: hidden; }
.vbar span { display: flex; align-items: center; justify-content: center; font-size: .74rem; font-weight: 800; color: var(--ink); white-space: nowrap; overflow: hidden; }
.vlegend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .82rem; color: #c4c8c3; margin-top: 10px; }
.vmini { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; }
.vmini div { border: 1px solid rgba(255,255,255,.14); border-radius: 10px; padding: 12px 10px; }
.vmini b { display: block; color: var(--sage-3); font-size: .78rem; } .vmini span { font-size: .82rem; color: #e6e8e5; }
.vcheck { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.vcheck li { display: flex; gap: 12px; align-items: flex-start; color: #e6e8e5; font-size: .95rem; }
.vcheck li::before { content: "✓"; flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--sage); color: #fff; display: grid; place-items: center; font-size: .75rem; font-weight: 800; }
@media (max-width: 960px) { .vt { grid-template-columns: 1fr; } .vmini { grid-template-columns: repeat(2, 1fr); } }

/* SITUATION CARDS */
.sit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.sit-grid.three { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 980px) { .sit-grid, .sit-grid.three { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .sit-grid, .sit-grid.three { grid-template-columns: 1fr; } }
.sit-card { display: flex; flex-direction: column; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; text-decoration: none; color: var(--text); transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.sit-card:hover { transform: translateY(-6px); box-shadow: var(--sh-2); border-color: transparent; color: var(--text); }
.sit-img { position: relative; aspect-ratio: 16 / 10; background-size: cover; background-position: center; transition: transform .6s var(--ease); }
.sit-card:hover .sit-img { transform: scale(1.04); }
.sit-img::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 50%, rgba(15,16,15,.35)); }
.sit-cat { position: absolute; left: 14px; top: 14px; z-index: 1; background: rgba(255,255,255,.92); color: var(--ink); font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: 6px 10px; border-radius: 999px; }
.sit-body { padding: 22px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; position: relative; background: var(--card); }
.sit-body h3 { margin: 0; font-size: 1.18rem; }
.sit-body .q { margin: 0; color: var(--text-2); font-style: italic; }
.sit-body .a { margin: 0; color: var(--stone); font-size: .93rem; }
.sit-body .go { margin-top: auto; padding-top: 8px; font-weight: 800; font-size: .9rem; color: var(--sage-2); }
.sit-body .go i { font-style: normal; display: inline-block; transition: transform .3s; }
.sit-card:hover .go i { transform: translateX(5px); }
.filters { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.filters button { border: 1px solid var(--line); background: var(--card); color: var(--text); padding: 10px 18px; border-radius: 999px; font: inherit; font-weight: 700; font-size: .88rem; cursor: pointer; }
.filters button.on { background: var(--ink); color: #fff; border-color: var(--ink); }
.sit-card.hide { display: none; }

/* SERVICES BENTO */
.bento { display: grid; grid-template-columns: repeat(4, 1fr); grid-auto-rows: 260px; gap: 16px; }
.bento a { position: relative; border-radius: var(--r); overflow: hidden; color: #fff; text-decoration: none; display: flex; flex-direction: column; justify-content: flex-end; padding: 26px; background: var(--ink); }
.bento a .bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .55; filter: grayscale(.4); transition: transform .7s var(--ease), opacity .4s; }
.bento a:hover .bg { transform: scale(1.06); opacity: .4; }
.bento a::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,16,15,.05) 20%, rgba(15,16,15,.9)); }
.bento a > *:not(.bg) { position: relative; z-index: 1; }
.bento .num { font-size: .78rem; font-weight: 800; color: var(--sage-3); letter-spacing: .12em; }
.bento h3 { color: #fff; font-size: 1.3rem; margin: 6px 0 6px; }
.bento p { margin: 0; color: #d4d7d3; font-size: .93rem; max-width: 46ch; }
.bento .more { margin-top: 12px; font-size: .86rem; font-weight: 800; color: #fff; opacity: 0; transform: translateY(6px); transition: opacity .3s, transform .3s; }
.bento a:hover .more { opacity: 1; transform: none; }
.bento .w2 { grid-column: span 2; } .bento .h2 { grid-row: span 2; }
.bento .plain { background: var(--sage-card); color: var(--ink); }
.bento .plain::after { display: none; }
.bento .plain h3, .bento .plain .more { color: var(--ink); } .bento .plain p { color: var(--charcoal); } .bento .plain .num { color: var(--sage-2); }
@media (max-width: 980px) { .bento { grid-template-columns: repeat(2, 1fr); } .bento .w2 { grid-column: span 2; } .bento .h2 { grid-row: span 1; } }
@media (max-width: 620px) { .bento { grid-template-columns: 1fr; grid-auto-rows: 230px; } .bento .w2 { grid-column: span 1; } .bento .more { opacity: 1; transform: none; } }

/* FAST TIMELINE (track) */
.track { position: relative; display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; padding-top: 34px; }
.track::before, .track::after { content: ""; position: absolute; top: 13px; left: 10%; right: 10%; height: 2px; border-radius: 2px; }
.track::before { background: rgba(255,255,255,.14); }
.track::after { background: linear-gradient(90deg, var(--sage-3), #fff); right: 90%; transition: right 2.2s var(--ease); }
.track.in::after { right: 10%; }
.tstep { position: relative; text-align: center; }
.tstep .node { position: absolute; top: -34px; left: 50%; transform: translateX(-50%) scale(.6); width: 28px; height: 28px; border-radius: 50%; background: var(--ink); border: 2px solid var(--sage-3); display: grid; place-items: center; font-size: .74rem; font-weight: 800; color: #fff; transition: transform .5s var(--ease), background .5s; }
.track.in .tstep .node { transform: translateX(-50%) scale(1); background: var(--sage); }
.track.in .tstep:nth-child(2) .node { transition-delay: .4s } .track.in .tstep:nth-child(3) .node { transition-delay: .8s } .track.in .tstep:nth-child(4) .node { transition-delay: 1.2s } .track.in .tstep:nth-child(5) .node { transition-delay: 1.6s }
.tstep .pill { display: inline-block; margin-top: 12px; font-size: .74rem; font-weight: 800; color: var(--ink); background: var(--sage-3); padding: 4px 10px; border-radius: 999px; }
.tstep h4 { color: #fff; margin: 12px 0 6px; font-size: 1.02rem; }
.tstep p { color: #bfc3be; font-size: .88rem; margin: 0; }
.fast-note { margin-top: 40px; display: grid; grid-template-columns: auto 1fr auto; gap: 20px; align-items: center; border: 1px solid rgba(255,255,255,.14); border-radius: var(--r); padding: 20px 24px; background: rgba(255,255,255,.04); }
.fast-note .big { font-size: 2.2rem; font-weight: 800; color: var(--sage-3); letter-spacing: -0.03em; }
.fast-note p { margin: 0; color: #d4d7d3; }
@media (max-width: 900px) {
  .track { grid-template-columns: 1fr; padding-top: 0; padding-left: 44px; gap: 26px; }
  .track::before, .track::after { top: 6px; bottom: 6px; left: 13px; right: auto; width: 2px; height: auto; }
  .track::after { bottom: 100%; transition: bottom 2.2s var(--ease); } .track.in::after { right: auto; bottom: 6px; }
  .tstep { text-align: left; } .tstep .node { top: 0; left: -44px; transform: scale(.6); } .track.in .tstep .node { transform: scale(1); }
  .tstep .pill { margin-top: 0; } .fast-note { grid-template-columns: 1fr; }
}

/* TRUE COST (premium) */
.cost { display: grid; grid-template-columns: 1fr 1.1fr; gap: 0; border-radius: 22px; overflow: hidden; border: 1px solid var(--line); box-shadow: var(--sh-2); background: var(--card); }
.cost-sum { background: linear-gradient(160deg, #0f100f, #1f2a24); color: #fff; padding: clamp(26px, 4vw, 44px); display: flex; flex-direction: column; gap: 18px; }
.cost-sum .k { font-size: .76rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--sage-3); }
.cost-sum .apr { font-size: clamp(3.6rem, 8vw, 5.4rem); font-weight: 800; letter-spacing: -0.05em; line-height: 1; }
.cost-sum .apr small { font-size: .3em; letter-spacing: 0; color: #c4c8c3; font-weight: 600; margin-left: 6px; }
.cost-sum .tot { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.cost-sum .tot div { border: 1px solid rgba(255,255,255,.14); border-radius: 12px; padding: 12px 14px; }
.cost-sum .tot span { display: block; font-size: .76rem; color: #bfc3be; } .cost-sum .tot b { font-size: 1.25rem; }
.cbar { display: flex; height: 18px; border-radius: 999px; overflow: hidden; background: rgba(255,255,255,.1); }
.cbar span { height: 100%; transition: width .8s var(--ease); }
.c1 { background: #e6e8e5; } .c2 { background: var(--sage-3); } .c3 { background: var(--gold); } .c4 { background: #7fa391; } .c5 { background: #c97f5f; }
.cost-lines { padding: clamp(22px, 3.5vw, 40px); }
.cost-lines .seg { max-width: 360px; margin-bottom: 18px; }
.cline { display: grid; grid-template-columns: 14px 1fr auto; gap: 12px; align-items: center; padding: 14px 0; border-bottom: 1px dashed var(--line); }
.cline i { width: 12px; height: 12px; border-radius: 3px; }
.cline .l b { display: block; font-size: .98rem; } .cline .l span { font-size: .84rem; color: var(--stone); }
.cline .v { font-weight: 800; font-size: 1.05rem; font-variant-numeric: tabular-nums; }
.cline.total { border-bottom: 0; border-top: 2px solid var(--text); margin-top: 6px; }
.cline.total .v { font-size: 1.35rem; }
.cost-note { font-size: .8rem; color: var(--stone); margin-top: 14px; }
@media (max-width: 900px) { .cost { grid-template-columns: 1fr; } }

/* PROVINCES */
.provinces { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 900px) { .provinces { grid-template-columns: 1fr; } }
.province { position: relative; min-height: 420px; border-radius: var(--r); overflow: hidden; color: #fff; text-decoration: none; display: flex; align-items: flex-end; background: var(--ink); }
.province .bg { position: absolute; inset: 0; background-size: cover; background-position: center; transition: transform .8s var(--ease); }
.province:hover .bg { transform: scale(1.06); }
.province .sh { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,16,15,.0) 30%, rgba(15,16,15,.92)); }
.province .in { position: relative; padding: 26px; }
.province .tag { display: inline-block; font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.25); padding: 5px 10px; border-radius: 999px; margin-bottom: 12px; }
.province h3 { color: #fff; font-size: 1.6rem; margin: 0 0 8px; }
.province ul { margin: 0 0 14px; padding: 0; list-style: none; color: #d4d7d3; font-size: .9rem; display: grid; gap: 4px; }
.province ul li::before { content: "— "; color: var(--sage-3); }
.province .go { font-weight: 800; font-size: .9rem; }
.province:hover { color: #fff; }

/* BROKER BLOCK */
.broker-wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: center; }
.broker-photo { position: relative; border-radius: 22px; overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--sh-2); }
.broker-photo img { width: 100%; height: 100%; object-fit: cover; }
.broker-badge { position: absolute; left: 18px; bottom: 18px; right: 18px; background: rgba(15,16,15,.78); backdrop-filter: blur(8px); color: #fff; border-radius: 14px; padding: 14px 16px; display: flex; justify-content: space-between; gap: 12px; }
.broker-badge b { display: block; font-size: 1.4rem; letter-spacing: -0.02em; } .broker-badge span { font-size: .78rem; color: #c4c8c3; }
.creds { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 24px 0; }
.cred { border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; background: var(--card); }
.cred b { display: block; font-size: .98rem; } .cred span { font-size: .84rem; color: var(--stone); }
.check-list { list-style: none; padding: 0; margin: 18px 0; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list li::before { content: "✓"; flex: none; width: 22px; height: 22px; border-radius: 50%; background: var(--sage-soft); color: var(--sage-2); display: grid; place-items: center; font-size: .72rem; font-weight: 800; margin-top: 2px; }
@media (max-width: 900px) { .broker-wrap { grid-template-columns: 1fr; gap: 30px; } .broker-photo { max-width: 420px; } }

/* REVIEWS */
.reviews-section { overflow: hidden; }
.reviews-rail { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.reviews-track { display: flex; gap: 18px; width: max-content; animation: marquee 70s linear infinite; padding: 6px 0 10px; }
.reviews-rail:hover .reviews-track { animation-play-state: paused; }
.review { flex: none; width: 360px; margin: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; display: flex; flex-direction: column; gap: 14px; box-shadow: var(--sh-1); }
.review .g { font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--sage); }
.review blockquote { margin: 0; font-size: 1rem; line-height: 1.6; color: var(--text); }
.review figcaption { margin-top: auto; display: flex; align-items: center; gap: 10px; font-weight: 800; }
.review .av { width: 34px; height: 34px; border-radius: 50%; background: var(--ink); color: #fff; display: grid; place-items: center; font-size: .74rem; }
@media (prefers-reduced-motion: reduce) { .reviews-track { animation: none; flex-wrap: wrap; width: auto; } }

/* FEATURED */
.featured-section { padding: 44px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--card); }
.featured { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 34px; }
.fe-item { display: flex; align-items: center; gap: 10px; color: var(--stone); font-weight: 700; font-size: .9rem; }
.fe-item img { width: 44px; height: 44px; object-fit: contain; filter: grayscale(1); opacity: .75; border-radius: 8px; }
.fe-item:hover img { filter: none; opacity: 1; }

/* INSIGHTS */
.insights { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 980px) { .insights { grid-template-columns: repeat(2, 1fr); } } @media (max-width: 620px) { .insights { grid-template-columns: 1fr; } }
.insights.two { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 620px) { .insights.two { grid-template-columns: 1fr; } }
.ins { display: flex; flex-direction: column; text-decoration: none; color: var(--text); border-radius: var(--r); overflow: hidden; background: var(--card); border: 1px solid var(--line); transition: transform .35s var(--ease), box-shadow .35s; }
.ins:hover { transform: translateY(-5px); box-shadow: var(--sh-2); color: var(--text); }
.ins .im { aspect-ratio: 16 / 9; background-size: cover; background-position: center; }
.ins .bd { padding: 20px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.ins .meta { display: flex; gap: 10px; align-items: center; font-size: .74rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--sage); }
.ins .meta span + span { color: var(--stone); font-weight: 600; letter-spacing: .04em; text-transform: none; }
.ins h3 { margin: 0; font-size: 1.12rem; line-height: 1.3; }
.ins p { margin: 0; color: var(--text-2); font-size: .93rem; }
.ins .go { margin-top: auto; padding-top: 8px; font-weight: 800; font-size: .88rem; color: var(--sage-2); }
.ins.feature { grid-column: span 2; flex-direction: row; }
.ins.feature .im { aspect-ratio: auto; flex: 1.1; min-height: 300px; }
.ins.feature .bd { flex: 1; padding: 32px; justify-content: center; }
.ins.feature h3 { font-size: 1.5rem; }
@media (max-width: 980px) { .ins.feature { grid-column: span 2; } } @media (max-width: 620px) { .ins.feature { grid-column: span 1; flex-direction: column; } .ins.feature .im { min-height: 200px; } }

/* FAQ (premium) */
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; align-items: start; }
.faq-side { position: sticky; top: 110px; }
.faq-card { margin-top: 24px; background: var(--ink); color: #fff; border-radius: var(--r); padding: 24px; }
.faq-card p { color: #c4c8c3; } .faq-card h3 { color: #fff; }
@media (max-width: 900px) { .faq-wrap { grid-template-columns: 1fr; gap: 24px; } .faq-side { position: static; } }
.faq { counter-reset: q; }
.faq details { border: 1px solid var(--line); border-radius: var(--r); background: var(--card); margin-bottom: 12px; transition: box-shadow .3s, border-color .3s; }
.faq details[open] { border-color: var(--mist); box-shadow: var(--sh-1); }
.faq summary { cursor: pointer; list-style: none; display: grid; grid-template-columns: 34px 1fr 28px; gap: 14px; align-items: center; padding: 18px 20px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before { counter-increment: q; content: counter(q, decimal-leading-zero); font-size: .78rem; font-weight: 800; color: var(--stone); }
.faq summary::after { content: "+"; width: 28px; height: 28px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-items: center; font-size: 1.1rem; color: var(--text-2); transition: transform .3s, background .3s, color .3s; }
.faq details[open] summary::after { transform: rotate(45deg); background: var(--ink); color: #fff; border-color: var(--ink); }
.faq summary h3 { margin: 0; font-size: 1.02rem; line-height: 1.4; font-weight: 700; letter-spacing: -0.01em; }
.faq .a { padding: 0 20px 20px 68px; color: var(--text-2); animation: fadeUp .35s var(--ease); }
.faq .a p:last-child { margin-bottom: 0; }
@media (max-width: 620px) { .faq .a { padding-left: 20px; } .faq summary { grid-template-columns: 1fr 28px; } .faq summary::before { display: none; } }

/* LEAD FORM SECTION */
.lead-section { background: radial-gradient(900px 400px at 0% 0%, rgba(158,194,173,.18), transparent 60%), var(--ink); color: #fff; }
.lead-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: center; }
.lead-copy h2 { color: #fff; } .lead-copy p { color: #c4c8c3; }
.lead-steps { list-style: none; padding: 0; margin: 22px 0; display: grid; gap: 12px; }
.lead-steps li { display: flex; gap: 14px; align-items: center; color: #e6e8e5; }
.lead-steps b { flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1px solid rgba(255,255,255,.3); display: grid; place-items: center; font-size: .8rem; }
.lead-broker { display: flex; gap: 14px; align-items: center; margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); }
.lead-broker img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; }
.lead-broker .n { margin: 0; font-weight: 800; color: #fff; } .lead-broker .r { margin: 0; font-size: .86rem; color: #bfc3be; } .lead-broker a { color: #fff; }
@media (max-width: 900px) { .lead-grid { grid-template-columns: 1fr; gap: 28px; } }
.qualifier { background: var(--card); color: var(--text); border-radius: 22px; padding: clamp(22px, 3.5vw, 36px); box-shadow: var(--sh-2); }
.qualifier .steps-bar { display: flex; gap: 6px; margin-bottom: 22px; }
.qualifier .steps-bar span { flex: 1; height: 4px; border-radius: 2px; background: var(--line); transition: background .4s; }
.qualifier .steps-bar span.on { background: var(--sage); }
.qualifier fieldset { border: 0; padding: 0; margin: 0; display: none; }
.qualifier fieldset.active { display: block; animation: fadeUp .4s var(--ease); }
.qualifier legend { font-weight: 800; font-size: 1.25rem; margin-bottom: 16px; letter-spacing: -0.02em; }
.qualifier .row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
@media (max-width: 560px) { .qualifier .row { grid-template-columns: 1fr; } }
.qualifier label { display: block; font-size: .8rem; font-weight: 700; color: var(--text-2); margin-bottom: 6px; }
.qualifier input, .qualifier select, .qualifier textarea { width: 100%; padding: 13px 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); color: var(--text); font: inherit; font-size: 1rem; transition: border-color .2s, box-shadow .2s; }
.qualifier input:focus, .qualifier select:focus, .qualifier textarea:focus { outline: none; border-color: var(--sage); box-shadow: 0 0 0 4px rgba(79,111,95,.15); }
.qualifier .chips { display: flex; flex-wrap: wrap; gap: 8px; }
.qualifier .chips label { border: 1px solid var(--line); border-radius: 999px; padding: 9px 14px; cursor: pointer; font-weight: 600; font-size: .88rem; margin: 0; transition: all .2s; color: var(--text); }
.qualifier .chips input { display: none; }
.qualifier .chips label:has(input:checked) { border-color: var(--ink); background: var(--ink); color: #fff; }
.qualifier .actions { display: flex; gap: 10px; justify-content: space-between; align-items: center; margin-top: 18px; }
.qualifier .consent { font-size: .78rem; color: var(--stone); display: grid; gap: 8px; margin-top: 4px; }
.qualifier .consent label { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; color: var(--stone); font-size: .78rem; }
.qualifier .consent input { width: auto; margin-top: 3px; }
.qualifier .done { display: none; text-align: center; padding: 26px 0; }
.qualifier.sent fieldset, .qualifier.sent .steps-bar { display: none !important; }
.qualifier.sent .done { display: block; }

/* INNER PAGE HERO */
.page-hero { position: relative; min-height: 78vh; display: flex; align-items: flex-end; color: #fff; overflow: hidden; background: var(--ink); }
.page-hero .bg { position: absolute; inset: 0; background-size: cover; background-position: center; filter: grayscale(.3) contrast(1.05); animation: kb-in 18s ease-out forwards; }
.page-hero .hero-shade { background: linear-gradient(180deg, rgba(15,16,15,.6) 0%, rgba(15,16,15,.35) 40%, rgba(15,16,15,.92) 100%); }
.page-hero .wrap { position: relative; z-index: 2; padding-top: 140px; padding-bottom: 96px; width: 100%; }
.page-hero h1 { color: #fff; max-width: 22ch; font-size: clamp(2rem, 4.4vw, 3.5rem); }
.ph-sub { color: #d6d9d5; font-size: 1.15rem; max-width: 60ch; margin-bottom: 26px; }
.ph-row { display: flex; flex-wrap: wrap; gap: 20px 32px; align-items: center; justify-content: space-between; }
.byline { display: flex; align-items: center; gap: 12px; font-size: .88rem; color: #d6d9d5; line-height: 1.4; }
.byline img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid rgba(255,255,255,.4); }
.byline a { color: #fff; font-weight: 700; } .byline small { color: #a9ada8; }
@media (prefers-reduced-motion: reduce) { .page-hero .bg { animation: none; } }
.facts-wrap { position: relative; z-index: 3; margin-top: -54px; }
.facts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--sh-2); overflow: hidden; }
.fact { padding: 22px 24px; border-right: 1px solid var(--line); }
.fact:last-child { border-right: 0; }
.fact .v { display: block; font-size: 1.6rem; font-weight: 800; letter-spacing: -0.03em; line-height: 1.1; }
.fact .k { display: block; font-size: .84rem; color: var(--stone); margin-top: 4px; }
@media (max-width: 860px) { .facts { grid-template-columns: repeat(2, 1fr); } .fact:nth-child(2) { border-right: 0; } .fact:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }

/* ARTICLE LAYOUT */
.page-body { padding-top: 72px; }
.page-layout { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: 64px; align-items: start; }
@media (max-width: 1020px) { .page-layout { grid-template-columns: minmax(0, 1fr); gap: 0; } .toc { display: none; } }
.prose, .page-layout > * { min-width: 0; }
.toc { position: sticky; top: 100px; }
.toc-in { border-left: 2px solid var(--line); padding-left: 18px; }
.toc-h { font-size: .74rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--stone); margin-bottom: 12px; }
.toc ol { list-style: none; padding: 0; margin: 0 0 22px; display: grid; gap: 2px; }
.toc ol a { display: block; font-size: .88rem; line-height: 1.35; color: var(--text-2); text-decoration: none; padding: 7px 0; position: relative; transition: color .2s; }
.toc ol a::before { content: ""; position: absolute; left: -20px; top: 0; bottom: 0; width: 2px; background: transparent; transition: background .2s; }
.toc ol a:hover { color: var(--text); }
.toc ol a.active { color: var(--text); font-weight: 700; }
.toc ol a.active::before { background: var(--ink); }
.toc .btn { display: flex; justify-content: center; text-align: center; padding: 13px 20px; font-size: .9rem; color: #fff; }
.prose { max-width: 780px; }
.prose.solo { margin: 0 auto; }
.prose > h2 { font-size: clamp(1.45rem, 2.4vw, 1.95rem); margin-top: 2.2em; padding-top: 1.2em; border-top: 1px solid var(--line); }
.prose > h2:first-of-type { margin-top: 1.4em; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--sage); font-weight: 700; }
.answer { position: relative; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 26px 28px 24px; font-size: 1.08rem; box-shadow: var(--sh-1); }
.answer::before { content: "Short answer"; position: absolute; top: -12px; left: 22px; background: var(--ink); color: #fff; font-size: .7rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; }
.answer p:last-child { margin-bottom: 0; }
.answer strong { color: var(--sage-2); }
.callout { border-radius: var(--r); padding: 20px 22px; margin: 24px 0; background: var(--card); border: 1px solid var(--line); border-left: 4px solid var(--ink); }
.callout.sage { border-left-color: var(--sage); background: var(--sage-soft); border-color: transparent; border-left-color: var(--sage); }
.callout.amber { border-left-color: var(--amber); background: var(--amber-soft); border-color: transparent; border-left-color: var(--amber); }
.callout p:last-child { margin-bottom: 0; }
.sources { font-size: .82rem; color: var(--stone); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 44px; }
.grid { display: grid; gap: 16px; margin: 20px 0; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); } .grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 720px) { .grid.cols-2, .grid.cols-3 { grid-template-columns: 1fr; } }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 22px; transition: box-shadow .3s, transform .3s; }
.card:hover { box-shadow: var(--sh-1); transform: translateY(-2px); }
.card h3 { margin-top: 0; font-size: 1.05rem; }
.card p:last-child { margin-bottom: 0; }

/* Tables (premium) */
.table-wrap { overflow-x: auto; border-radius: var(--r); border: 1px solid var(--line); background: var(--card); margin: 22px 0 8px; box-shadow: var(--sh-1); }
table { border-collapse: separate; border-spacing: 0; width: 100%; font-size: .94rem; }
th, td { text-align: left; padding: 14px 16px; vertical-align: top; }
thead th { background: var(--ink); color: #fff; font-size: .74rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; white-space: nowrap; }
tbody tr:nth-child(even) td { background: var(--bg); }
tbody td { border-top: 1px solid var(--line-2); }
tbody tr:hover td { background: var(--sage-soft); }
td.num, th.num { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }
tbody tr:has(strong) td { font-weight: 600; }
.table-note { font-size: .82rem; color: var(--stone); margin: 8px 2px 0; }
.compare td:first-child { font-weight: 700; }
.good { color: var(--sage-2); font-weight: 800; } .bad { color: var(--red); font-weight: 800; }

/* Timeline (in articles) */
.timeline { display: grid; gap: 0; margin: 24px 0; counter-reset: st; position: relative; }
.timeline::before { content: ""; position: absolute; left: 17px; top: 18px; bottom: 18px; width: 2px; background: var(--line); }
.step { position: relative; padding: 0 0 22px 54px; }
.step::before { counter-increment: st; content: counter(st); position: absolute; left: 0; top: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--ink); color: #fff; font-size: .82rem; font-weight: 800; display: grid; place-items: center; box-shadow: 0 0 0 5px var(--bg); }
.step .when { display: inline-block; font-size: .74rem; font-weight: 800; color: var(--sage-2); background: var(--sage-soft); padding: 3px 10px; border-radius: 999px; margin-bottom: 6px; }
.step h4 { margin: 0 0 4px; font-size: 1.02rem; }
.step p { margin: 0; color: var(--text-2); font-size: .95rem; }

/* Calculator (articles) */
.calc { background: var(--card); border: 1px solid var(--line); border-radius: 22px; padding: clamp(20px, 3vw, 32px); box-shadow: var(--sh-2); margin: 24px 0; }
.calc .fields { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 14px; }
.calc label { display: block; font-size: .78rem; font-weight: 800; color: var(--text-2); margin-bottom: 6px; letter-spacing: .02em; }
.calc input, .calc select { width: 100%; padding: 12px 13px; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); color: var(--text); font: inherit; font-weight: 600; }
.calc input:focus, .calc select:focus { outline: none; border-color: var(--sage); box-shadow: 0 0 0 4px rgba(79,111,95,.15); }
.calc .results { margin-top: 20px; display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; }
.calc .result { background: var(--paper-2); border-radius: 12px; padding: 14px 16px; }
.calc .result .v { font-size: 1.5rem; font-weight: 800; letter-spacing: -0.02em; }
.calc .result .k { font-size: .78rem; color: var(--stone); }
.calc .result.hi { background: var(--ink); color: #fff; } .calc .result.hi .k { color: #bfc3be; }

/* Related + misc */
.related-section .section-head { margin-bottom: 30px; }
.kpis { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 14px; }

/* FOOTER */
.site-footer { background: var(--ink); color: #a9ada8; padding: 80px 0 100px; font-size: .9rem; }
.site-footer a { color: #e6e8e5; text-decoration: none; } .site-footer a:hover { color: #fff; text-decoration: underline; }
.ft-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr .8fr; gap: 36px; }
@media (max-width: 1100px) { .ft-top { grid-template-columns: 1fr 1fr 1fr; } .ft-brand { grid-column: 1 / -1; } }
@media (max-width: 980px) { .ft-top { grid-template-columns: 1fr 1fr; } } @media (max-width: 620px) { .ft-top { grid-template-columns: 1fr; } }
.ft-brand .brand { color: #fff; margin-bottom: 14px; } .ft-brand .brand .mark { background: #fff; color: var(--ink); }
.ft-broker { display: flex; gap: 12px; align-items: center; margin: 20px 0; padding: 14px; border: 1px solid rgba(255,255,255,.12); border-radius: 12px; }
.ft-broker img { width: 54px; height: 54px; border-radius: 50%; object-fit: cover; }
.ft-broker p { margin: 0; font-size: .82rem; } .ft-broker .n { color: #fff; font-weight: 800; font-size: .92rem; }
.ft-contact { line-height: 1.8; }
.site-footer h4 { color: #fff; font-size: .76rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.site-footer .legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 48px; padding-top: 26px; font-size: .78rem; color: #8d918c; }
.site-footer .legal strong { color: #d6d9d5; } .site-footer .legal p { margin-bottom: .8em; }
.sticky-call { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; background: var(--card); border-top: 1px solid var(--line); padding: 10px 14px; gap: 10px; }
.sticky-call .btn { flex: 1; }
.sticky-call .btn:first-child { flex: .45; }
@media (max-width: 760px) { .sticky-call { display: flex; } }

/* ---------- v4: cities, equity calculator, people, floating CTA ---------- */
/* Equity calculator */
.eqcalc { display: grid; grid-template-columns: 1fr 1fr; border-radius: 22px; overflow: hidden; box-shadow: var(--sh-2); margin: 26px 0; border: 1px solid var(--line); }
.eq-in { background: var(--card); padding: clamp(20px, 3vw, 30px); display: grid; gap: 18px; align-content: start; }
.eq-out { background: var(--ink); color: #fff; padding: clamp(20px, 3vw, 30px); display: flex; flex-direction: column; gap: 14px; }
.eq-field label { display: flex; justify-content: space-between; gap: 10px; font-size: .78rem; font-weight: 800; color: var(--text-2); margin-bottom: 6px; letter-spacing: .02em; }
.eq-field label output { color: var(--text); font-size: .95rem; }
.eq-field input[type=range] { width: 100%; accent-color: var(--sage); }
.eq-field .seg { display: grid; grid-template-columns: 1fr 1fr; gap: 4px; border-radius: 14px; }
.eq-field .seg button { border-radius: 10px; padding: 9px 8px; font-size: .8rem; white-space: nowrap; }
.eq-out .k { font-size: .74rem; color: #bfc3be; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; margin: 0; }
.eq-big { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1; }
.eq-bar { display: flex; height: 18px; border-radius: 999px; overflow: hidden; background: rgba(255,255,255,.08); }
.eq-bar span { display: block; height: 100%; transition: width .35s var(--ease); }
.eq-bar .o { background: #6b6f6a; } .eq-bar .n { background: var(--sage-3); } .eq-bar .c { background: rgba(255,255,255,.14); }
.eq-legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .78rem; color: #c4c8c3; }
.eq-legend i { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; vertical-align: middle; }
.eq-dl { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 0; }
.eq-dl div { border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 10px 12px; }
.eq-dl dt { font-size: .74rem; color: #bfc3be; } .eq-dl dd { margin: 2px 0 0; font-weight: 800; font-size: 1.05rem; }
.eq-warn { display: none; background: rgba(184,151,90,.16); border: 1px solid rgba(184,151,90,.4); color: #f0e3c6; border-radius: 10px; padding: 10px 12px; font-size: .86rem; margin: 0; }
.eq-out .btn { margin-top: auto; }
.eq-note { font-size: .78rem; color: #9b9f9a; margin: 0; }
@media (max-width: 860px) { .eqcalc { grid-template-columns: minmax(0, 1fr); } }

/* Compact tabs inside articles */
.vt.compact { grid-template-columns: minmax(0, 1fr); gap: 14px; margin: 22px 0; }
.vt.compact .vt-tabs { display: flex; flex-wrap: wrap; gap: 8px; }
.vt.compact .vt-tab { display: inline-flex; padding: 9px 16px; border-radius: 999px; font-weight: 700; font-size: .9rem; gap: 8px; }
.vt.compact .vt-tab:hover { transform: none; }
.vt.compact .vt-tab.on { background: var(--ink); color: #fff; }
.vt.compact .vt-panels { min-height: 0; padding: clamp(22px, 3vw, 34px); }
.vt.compact .vt-panel h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
.vt.compact .vt-panel .btn { margin-right: 8px; }

/* Price and rule cards */
.price-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; margin: 20px 0 8px; }
.price-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 18px; }
.price-card .v { font-size: 1.55rem; font-weight: 800; letter-spacing: -0.02em; display: block; }
.price-card .k { font-size: .82rem; color: var(--stone); }
.price-card.hi { background: var(--ink); color: #fff; border-color: var(--ink); } .price-card.hi .k { color: #bfc3be; }
.rule-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 12px; margin: 20px 0; }
.rule { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 18px 18px 16px; }
.rule h3 { font-size: 1rem; margin: 8px 0 6px; }
.rule p { font-size: .92rem; color: var(--text-2); margin: 0; }
.rule .chip { display: inline-block; font-size: .7rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; background: var(--sage-soft); color: var(--sage-2); }
.rule .chip.no { background: var(--paper-2); color: var(--stone); }
.prose ul.area-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0; padding: 0; list-style: none; }
.area-chips li { margin: 0; border: 1px solid var(--line); background: var(--card); border-radius: 999px; padding: 6px 14px; font-size: .9rem; font-weight: 600; }

/* People: band and inline figure */
.pro-band { display: grid; grid-template-columns: 1fr 1fr; background: var(--card); border: 1px solid var(--line); border-radius: 24px; overflow: hidden; box-shadow: var(--sh-1); }
.pro-band .ph { min-height: 380px; background-size: cover; background-position: center; }
.pro-band .tx { padding: clamp(26px, 4vw, 48px); }
.pro-band h2 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
.pro-band .who { display: flex; gap: 12px; align-items: center; margin-top: 18px; font-size: .9rem; color: var(--text-2); }
.pro-band .who img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
@media (max-width: 860px) { .pro-band { grid-template-columns: minmax(0, 1fr); } .pro-band .ph { min-height: 240px; } }
.prose figure.people { margin: 28px 0; border-radius: var(--r); overflow: hidden; background: var(--card); border: 1px solid var(--line); }
.prose figure.people img { width: 100%; aspect-ratio: 16 / 8; object-fit: cover; }
.prose figure.people figcaption { padding: 12px 16px; font-size: .88rem; color: var(--text-2); }

/* City cards */
.city-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 14px; margin: 20px 0; }
.city-card { position: relative; display: flex; align-items: flex-end; min-height: 190px; border-radius: var(--r); overflow: hidden; color: #fff; text-decoration: none; background: var(--ink); }
.city-card .bg { position: absolute; inset: 0; background-size: cover; background-position: center; transition: transform .6s var(--ease); filter: grayscale(.25); }
.city-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,16,15,.05) 20%, rgba(15,16,15,.88) 100%); }
.city-card:hover .bg { transform: scale(1.06); }
.city-card .in { position: relative; z-index: 2; padding: 16px 18px; width: 100%; }
.city-card b { display: block; font-size: 1.15rem; letter-spacing: -0.01em; }
.city-card span { font-size: .8rem; color: #d6d9d5; }
.city-card:hover { color: #fff; }
.city-card.hide, tr.hide { display: none; }
.prose .filters { margin: 14px 0 10px; }
.prose .city-grid { grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); }
.prose .city-card { min-height: 150px; }

/* Step cards */
.steps4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 22px 0; counter-reset: s4; }
.steps4 > div { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 18px; }
.steps4 > div::before { counter-increment: s4; content: counter(s4); display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--ink); color: #fff; font-size: .8rem; font-weight: 800; margin-bottom: 10px; }
.steps4 b { display: block; margin-bottom: 4px; } .steps4 p { margin: 0; font-size: .9rem; color: var(--text-2); }
@media (max-width: 860px) { .steps4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .steps4 { grid-template-columns: 1fr; } }

/* Option matcher */
.matcher { background: var(--card); border: 1px solid var(--line); border-radius: 22px; padding: clamp(20px, 3vw, 30px); box-shadow: var(--sh-2); margin: 26px 0; }
.matcher .q { margin-bottom: 16px; }
.matcher .q > b { display: block; margin-bottom: 8px; }
.matcher .seg { display: flex; flex-wrap: wrap; }
.matcher .result { background: var(--ink); color: #fff; border-radius: 16px; padding: 20px 22px; margin-top: 8px; }
.matcher .result h3 { color: #fff; margin: 0 0 6px; }
.matcher .result p { color: #c4c8c3; margin: 0 0 12px; }

.calc input[type=range] { accent-color: var(--sage); padding: 0; border: 0; background: none; }

/* Case studies */
.case-grid { display: grid; gap: 16px; margin: 22px 0; }
.case { background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: clamp(18px, 3vw, 28px); }
.case .chip { display: inline-block; font-size: .72rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; background: var(--sage-soft); color: var(--sage-2); }
.case h3 { font-size: 1.2rem; margin: 10px 0; }
.case-figs { display: grid; grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); gap: 8px; margin: 14px 0; }
.case-figs div { background: var(--paper-2); border-radius: 10px; padding: 10px 12px; }
.case-figs dt { font-size: .74rem; color: var(--stone); } .case-figs dd { margin: 2px 0 0; font-weight: 800; }

/* Keystone logo */
.brand-logo { display: block; height: 36px; width: auto; }
.brand-logo title { display: none; }
.ft-brand .brand-logo { height: 40px; }
@media (max-width: 420px) { .site-header .brand-logo { height: 30px; } }

/* Licence line in the byline */
.byline .lic { display: inline-block; margin-top: 2px; font-size: .72rem; color: #bfc3be; }
.byline .lic a { color: #e6e8e5; }

/* Tickable checklist */
.checklist { background: var(--card); border: 1px solid var(--line); border-radius: 22px; padding: clamp(14px, 2.5vw, 22px); box-shadow: var(--sh-2); margin: 22px 0; display: grid; gap: 6px; }
.checklist label { display: grid; grid-template-columns: 26px 1fr; gap: 12px; align-items: start; padding: 12px 10px; border-radius: 12px; cursor: pointer; transition: background .2s; }
.checklist label:hover { background: var(--paper-2); }
.checklist input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--sage); }
.checklist label:has(input:checked) span { color: var(--stone); }
.checklist label:has(input:checked) b { text-decoration: line-through; text-decoration-color: var(--sage); }
.ck-result { background: var(--ink); color: #fff; border-radius: 16px; padding: 18px 20px; margin-top: 8px; }
.ck-result p { color: #e6e8e5; margin: 10px 0 12px; }
.ck-bar { height: 10px; border-radius: 999px; background: rgba(255,255,255,.12); overflow: hidden; }
.ck-bar span { display: block; height: 100%; width: 0; background: var(--sage-3); transition: width .3s var(--ease); }
.ck-result .btn.ghost { color: #fff; border-color: rgba(255,255,255,.35); }
@media print { .site-header, .site-footer, .sticky-call, .float-cta, .toc, .page-hero, .facts-wrap, .pro-band, .related-section, .lead-section, .ck-result .cta-row { display: none !important; } .prose { max-width: none; } }

/* Footer city links */
.ft-cities { border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 24px; font-size: .86rem; color: #a9ada8; }
.ft-cities p { margin: 0 0 6px; } .ft-cities strong { color: #d6d9d5; }

/* Desktop floating CTA */
.float-cta { position: fixed; right: 22px; bottom: 22px; z-index: 80; display: flex; gap: 12px; align-items: center; background: var(--ink); color: #fff; border-radius: 999px; padding: 6px 6px 6px 18px; box-shadow: var(--sh-2); transform: translateY(140%); opacity: 0; pointer-events: none; transition: transform .4s var(--ease), opacity .4s; }
.float-cta.show { transform: none; opacity: 1; pointer-events: auto; }
.float-cta a.tel { color: #fff; font-weight: 700; font-size: .9rem; text-decoration: none; }
.float-cta .btn { padding: 10px 18px; font-size: .9rem; }
@media (max-width: 760px) { .float-cta { display: none; } }

/* Lead form: spam trap and send error */
.qualifier .hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.qualifier .form-error { margin: 12px 0 0; padding: 10px 12px; border-radius: 8px; background: #fdecea; color: #8a1f11; font-size: .92rem; }
.qualifier .form-error a { color: inherit; font-weight: 700; }