:root {
    --color-ink: #0b0b0b;
    --color-charcoal: #1c1c1a;
    --color-paper: #f8f7f2;
    --color-white: #ffffff;
    --color-text: #333333;
    --color-muted: #6f6d67;
    --color-line: #d9d5ca;
    --color-line-dark: #373735;
    --color-gold: #e3b94c;
    --color-gold-dark: #76540b;
    --color-success: #2f6b45;
    --color-error: #9f3228;
    --color-youtube: #ff0033;
    --overlay-hero: linear-gradient(90deg, rgba(8, 8, 8, .88) 0%, rgba(8, 8, 8, .58) 46%, rgba(8, 8, 8, .18) 78%, rgba(8, 8, 8, .28) 100%);
    --overlay-image: linear-gradient(180deg, rgba(8, 8, 8, .1), rgba(8, 8, 8, .72));
    --shadow-soft: 0 24px 64px rgba(11, 11, 11, .1);
    --font-display: "Playfair Display", Georgia, serif;
    --font-body: "Montserrat", Arial, sans-serif;
    --container: 1280px;
    --reading: 760px;
    --header-height: 104px;
    --transition: 300ms cubic-bezier(.16, 1, .3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--color-text); background: var(--color-white); font-family: var(--font-body); font-size: 16px; line-height: 1.75; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
body.menu-open { overflow: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { color: inherit; }
h1, h2, h3, h4 { margin: 0 0 24px; color: var(--color-ink); font-family: var(--font-display); font-weight: 600; line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(3rem, 6vw, 5.75rem); }
h2 { font-size: clamp(2.4rem, 4.5vw, 4.25rem); }
h3 { font-size: clamp(1.45rem, 2vw, 2rem); }
p { margin: 0 0 24px; }
strong { font-weight: 600; }
::selection { color: var(--color-ink); background: var(--color-gold); }
:focus-visible { outline: 3px solid var(--color-gold); outline-offset: 4px; }

.container { width: min(calc(100% - 64px), var(--container)); margin-inline: auto; }
.container--wide { width: min(calc(100% - 64px), 1400px); }
.reading-width { max-width: var(--reading); }
.section { padding-block: clamp(88px, 9vw, 144px); }
.section--cream { background: var(--color-paper); }
.section--ink { color: var(--color-white); background: var(--color-ink); }
.section--ink h1, .section--ink h2, .section--ink h3 { color: var(--color-white); }
.section--ink p { color: rgba(255,255,255,.72); }
.center { text-align: center; }
.center > p { margin-inline: auto; max-width: 65ch; }
.lead { color: var(--color-ink); font-size: clamp(1.18rem, 1.5vw, 1.4rem); line-height: 1.7; }
.eyebrow { margin-bottom: 18px; color: var(--color-gold-dark); font-size: .78rem; font-weight: 700; line-height: 1.35; letter-spacing: .17em; text-transform: uppercase; }
.eyebrow--light { color: var(--color-gold); }
.fine-print { margin-top: 28px; color: var(--color-muted); font-size: .74rem; line-height: 1.65; }
.fine-print--light { color: rgba(255,255,255,.62); }
.skip-link { position: fixed; left: 16px; top: 16px; z-index: 10000; padding: 12px 18px; color: var(--color-white); background: var(--color-ink); transform: translateY(-160%); transition: transform var(--transition); }
.skip-link:focus { transform: translateY(0); }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 54px; padding: 15px 26px; border: 1px solid transparent; border-radius: 0; font-size: .77rem; font-weight: 700; line-height: 1.2; letter-spacing: .12em; text-align: center; text-transform: uppercase; cursor: pointer; transition: color var(--transition), background var(--transition), border-color var(--transition), transform var(--transition); }
.button:hover { transform: translateY(-2px); }
.button:active { transform: translateY(1px); }
.button--gold { color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.button--gold:hover { color: var(--color-white); background: var(--color-gold-dark); border-color: var(--color-gold-dark); }
.button--dark { color: var(--color-white); background: var(--color-ink); border-color: var(--color-ink); }
.button--dark:hover { color: var(--color-ink); background: transparent; }
.button--outline { color: var(--color-ink); background: transparent; border-color: var(--color-ink); }
.button--outline:hover { color: var(--color-white); background: var(--color-ink); }
.button--light-outline { color: var(--color-white); background: transparent; border-color: rgba(255,255,255,.62); }
.button--light-outline:hover { color: var(--color-ink); background: var(--color-white); border-color: var(--color-white); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.button-row--center { justify-content: center; }
.text-link { display: inline-flex; align-items: center; min-height: 44px; border-bottom: 1px solid var(--color-gold-dark); color: var(--color-ink); font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; transition: color var(--transition), border-color var(--transition); }
.text-link:hover { color: var(--color-gold-dark); border-color: var(--color-ink); }

.site-header { position: absolute; inset: 0 0 auto; z-index: 1000; height: var(--header-height); color: var(--color-white); border-bottom: 1px solid rgba(255,255,255,.2); transition: background var(--transition), height var(--transition), box-shadow var(--transition); }
.has-solid-header .site-header, .site-header.is-scrolled { position: fixed; color: var(--color-white); background: rgba(11,11,11,.96); box-shadow: 0 1px 0 rgba(255,255,255,.08); }
.site-header.is-scrolled { height: 84px; }
.site-header__inner { height: 100%; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 36px; }
.brand { display: inline-flex; align-items: center; min-width: 230px; }
.brand__lockup { display: block; width: 230px; height: auto; }
.desktop-nav { display: flex; align-items: center; justify-content: center; gap: 28px; }
.desktop-nav > a, .nav-group > button { position: relative; min-height: 44px; display: inline-flex; align-items: center; padding: 0; border: 0; background: transparent; font-size: .72rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; }
.desktop-nav > a::after, .nav-group > button::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 6px; height: 1px; background: var(--color-gold); transition: right var(--transition); }
.desktop-nav > a:hover::after, .nav-group > button:hover::after, .nav-group > button[aria-expanded="true"]::after { right: 0; }
.nav-group { position: relative; }
.nav-dropdown { position: absolute; left: 50%; top: calc(100% + 20px); width: 560px; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; padding: 36px 40px; color: var(--color-white); background: var(--color-ink); border-top: 2px solid var(--color-gold); box-shadow: var(--shadow-soft); opacity: 0; visibility: hidden; transform: translate(-50%, 14px); transition: opacity var(--transition), transform var(--transition), visibility var(--transition); }
.nav-dropdown.is-open { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.nav-dropdown p { margin-bottom: 12px; color: var(--color-gold); font-size: .65rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.nav-dropdown a { display: block; padding: 8px 0; border-bottom: 1px solid var(--color-line-dark); font-family: var(--font-display); font-size: 1.1rem; }
.nav-dropdown a:hover { color: var(--color-gold); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { font-size: .72rem; font-weight: 600; letter-spacing: .08em; }
.button--header { min-height: 46px; padding: 12px 20px; color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.menu-button { display: none; min-width: 72px; min-height: 46px; border: 1px solid rgba(255,255,255,.5); background: transparent; font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.mobile-menu { position: fixed; inset: 0; z-index: 2000; padding: 28px clamp(24px, 7vw, 80px) 48px; color: var(--color-white); background: var(--color-ink); overflow-y: auto; }
.mobile-menu__top { display: flex; justify-content: space-between; padding-bottom: 22px; border-bottom: 1px solid var(--color-line-dark); font-size: .72rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.mobile-menu__top button { min-height: 44px; padding-inline: 12px; color: var(--color-white); border: 1px solid var(--color-line-dark); background: transparent; cursor: pointer; }
.mobile-menu nav { display: grid; margin-block: 40px; }
.mobile-menu nav a { padding: 14px 0; border-bottom: 1px solid var(--color-line-dark); font-family: var(--font-display); font-size: clamp(1.75rem, 7vw, 3.5rem); line-height: 1.2; }
.mobile-menu__cta { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.mobile-menu__cta p { margin: 0; font-family: var(--font-display); font-size: 1.4rem; }

.home-hero { position: relative; min-height: 100dvh; display: grid; align-items: end; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.home-hero__media, .home-hero__overlay { position: absolute; inset: 0; }
.home-hero__media img,
.home-hero__media video { width: 100%; height: 100%; object-fit: cover; object-position: 62% center; transform: scale(1.02); animation: heroIn 1.5s cubic-bezier(.16,1,.3,1) both; }
.home-hero__media video { position: absolute; inset: 0; }
.home-hero__overlay { background: var(--overlay-hero); }
.home-hero__content { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 60px; padding-top: calc(var(--header-height) + 80px); padding-bottom: 12vh; }
.home-hero__copy { max-width: 830px; }
.home-hero h1 { color: var(--color-white); font-size: clamp(3.6rem, 7vw, 7rem); line-height: .98; text-wrap: balance; }
.hero-lead { max-width: 690px; margin-top: 30px; color: rgba(255,255,255,.82); font-size: clamp(1.05rem, 1.4vw, 1.25rem); line-height: 1.75; }
.hero-credential { min-width: 300px; padding: 24px 0 10px 28px; border-left: 1px solid var(--color-gold); }
.hero-credential span, .hero-credential small { display: block; color: rgba(255,255,255,.62); font-size: .68rem; letter-spacing: .12em; text-transform: uppercase; }
.hero-credential strong { display: block; margin-block: 10px; font-family: var(--font-display); font-size: 1.3rem; font-weight: 500; }
.hero-scroll { position: absolute; z-index: 3; right: 4vw; bottom: 26px; min-height: 44px; font-size: .64rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.trust-band { color: var(--color-white); background: var(--color-ink); border-top: 1px solid var(--color-line-dark); }
.trust-band__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-band__grid > div { min-height: 112px; display: grid; grid-template-columns: auto 1fr; align-items: center; gap: 16px; padding: 22px 28px; border-right: 1px solid var(--color-line-dark); }
.trust-band__grid > div:last-child { border-right: 0; }
.trust-band span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.4rem; }
.trust-band strong { font-size: .68rem; line-height: 1.5; letter-spacing: .1em; text-transform: uppercase; }

.split { display: grid; gap: clamp(56px, 8vw, 112px); align-items: center; }
.split--intro { grid-template-columns: minmax(0, .88fr) minmax(0, 1.12fr); }
.portrait-composition { position: relative; max-width: 590px; padding: 42px 0 0 52px; }
.portrait-composition__backdrop { position: absolute; inset: 0 44px 52px 0; background: var(--color-paper); }
.portrait-composition img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: center top; filter: saturate(.82) contrast(1.03); }
.portrait-composition p { position: absolute; z-index: 2; right: -18px; bottom: 18px; width: 230px; margin: 0; padding: 24px; color: var(--color-white); background: var(--color-ink); font-family: var(--font-display); font-size: 1.3rem; line-height: 1.45; }
.intro-copy { max-width: 670px; }
.intro-copy h2 { max-width: 13ch; }

.section-heading { margin-bottom: 64px; }
.section-heading--split { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr); align-items: end; gap: 64px; }
.section-heading--split h2 { margin-bottom: 0; max-width: 14ch; }
.section-heading--split > p { margin: 0; max-width: 52ch; }
.program-preview .section-heading > div { max-width: 840px; }
.program-lines { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line-dark); }
.program-line { display: grid; grid-template-columns: 44px 1fr auto; align-items: center; column-gap: 22px; min-height: 152px; padding: 28px 34px 28px 0; border-bottom: 1px solid var(--color-line-dark); transition: background var(--transition), padding var(--transition); }
.program-line:nth-child(odd) { border-right: 1px solid var(--color-line-dark); }
.program-line:nth-child(even) { padding-left: 34px; }
.program-line:hover { background: var(--color-charcoal); padding-inline: 22px; }
.program-line span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.25rem; }
.program-line h3 { margin: 0; color: var(--color-white); font-size: 1.65rem; }
.program-line p { grid-column: 2/4; margin: 8px 0 0; color: rgba(255,255,255,.62); font-size: .78rem; line-height: 1.65; }
.program-line em { color: var(--color-gold); font-size: .63rem; font-style: normal; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.section-action { margin-top: 46px; text-align: right; }

.split--process { grid-template-columns: minmax(280px, .72fr) minmax(0, 1.28fr); align-items: start; }
.process-intro { position: sticky; top: 140px; }
.process-intro h2 { max-width: 9ch; }
.process-intro > p:not(.eyebrow) { max-width: 48ch; }
.process-list { border-top: 1px solid var(--color-line); }
.process-row { display: grid; grid-template-columns: 56px 1fr; gap: 24px; padding: 32px 0; border-bottom: 1px solid var(--color-line); }
.process-row > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.4rem; }
.process-row h3 { margin: 0 0 8px; font-size: 1.5rem; }
.process-row p { margin: 0; color: var(--color-muted); font-size: .92rem; }
.process-list--wide { display: grid; grid-template-columns: 1fr 1fr; }
.process-list--wide .process-row:nth-child(odd) { padding-right: 36px; border-right: 1px solid var(--color-line); }
.process-list--wide .process-row:nth-child(even) { padding-left: 36px; }
.process-list--compact .process-row { padding: 24px 0; }

.cinematic-break { position: relative; min-height: 76vh; display: grid; align-items: center; color: var(--color-white); overflow: hidden; }
.cinematic-break > img, .cinematic-break__overlay { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.cinematic-break__overlay { background: var(--overlay-image); }
.cinematic-break__content { position: relative; z-index: 1; max-width: 850px; margin-left: max(32px, 8vw); }
.cinematic-break h2 { max-width: 10ch; color: var(--color-white); }
.cinematic-break p:not(.eyebrow) { max-width: 60ch; color: rgba(255,255,255,.82); }

.resource-layout { display: grid; grid-template-columns: 1.55fr .75fr; gap: 28px; }
.resource-feature { min-height: 520px; display: grid; grid-template-rows: auto 1fr; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.resource-feature > div { padding: clamp(38px, 5vw, 72px); align-self: center; }
.resource-feature h3 { color: var(--color-white); }
.resource-feature p { color: rgba(255,255,255,.72); }
.resource-feature .text-link { color: var(--color-white); border-color: var(--color-gold); }
.resource-feature img { width: 100%; height: auto; aspect-ratio: 3 / 1; object-fit: contain; background: var(--color-white); }
.resource-secondary { min-height: 520px; display: flex; flex-direction: column; justify-content: flex-end; padding: clamp(38px, 5vw, 64px); border: 1px solid var(--color-line); background: var(--color-white); transition: transform var(--transition), box-shadow var(--transition); }
.resource-secondary:hover { transform: translateY(-6px); box-shadow: var(--shadow-soft); }
.resource-secondary .text-link { margin-top: auto; align-self: flex-start; }

.insight-grid { display: grid; grid-template-columns: 1.25fr .9fr .9fr; border-top: 1px solid var(--color-line); }
.insight-card { min-height: 390px; display: flex; flex-direction: column; padding: 44px 34px; border-right: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.insight-card:last-child { border-right: 0; }
.article-meta { color: var(--color-muted); font-size: .68rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; }
.insight-card h3 { font-size: 1.65rem; }
.insight-card h3 a:hover, .article-row h2 a:hover, .article-row h3 a:hover { color: var(--color-gold-dark); }
.insight-card .text-link { margin-top: auto; align-self: flex-start; }

.split--faq { grid-template-columns: minmax(260px, .65fr) minmax(0, 1.35fr); align-items: start; }
.split--faq > div:first-child { position: sticky; top: 140px; }
.faq-list { border-top: 1px solid var(--color-line); }
.faq-item { border-bottom: 1px solid var(--color-line); }
.faq-item summary { min-height: 92px; display: grid; grid-template-columns: 48px 1fr; align-items: center; gap: 18px; padding: 22px 6px; color: var(--color-ink); font-family: var(--font-display); font-size: 1.3rem; line-height: 1.4; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary span { color: var(--color-gold-dark); font-size: 1rem; }
.faq-answer { padding: 0 28px 30px 72px; }
.faq-answer p { margin: 0; color: var(--color-muted); }

.split--conversion { grid-template-columns: minmax(300px, .82fr) minmax(0, 1.18fr); align-items: start; }
.split--conversion > div:first-child { padding-top: 44px; }
.split--conversion h2 { max-width: 10ch; }
.contact-lines { display: grid; margin-top: 48px; border-top: 1px solid var(--color-line); }
.contact-lines a { display: grid; grid-template-columns: 100px 1fr; gap: 20px; padding: 18px 0; border-bottom: 1px solid var(--color-line); font-size: .88rem; overflow-wrap: anywhere; }
.contact-lines span { color: var(--color-muted); font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.form-panel { padding: clamp(32px, 5vw, 64px); color: var(--color-white); background: var(--color-ink); box-shadow: var(--shadow-soft); }
.form-panel--light { color: var(--color-text); background: var(--color-paper); }
.lead-form { position: relative; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.field { display: grid; gap: 8px; margin-bottom: 22px; }
.field label { color: inherit; font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.field input, .field select, .field textarea { width: 100%; min-height: 54px; padding: 13px 14px; color: var(--color-white); background: transparent; border: 1px solid var(--color-line-dark); border-radius: 0; }
.field textarea { min-height: 130px; resize: vertical; }
.field select option { color: var(--color-ink); background: var(--color-white); }
.form-panel--light .field input, .form-panel--light .field select, .form-panel--light .field textarea { color: var(--color-ink); background: var(--color-white); border-color: var(--color-line); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--color-gold); outline: 2px solid var(--color-gold); outline-offset: 1px; }
.consent-row { display: grid; grid-template-columns: 20px 1fr; gap: 12px; align-items: start; margin: 8px 0 14px; color: rgba(255,255,255,.68); font-size: .68rem; line-height: 1.6; }
.form-panel--light .consent-row { color: var(--color-muted); }
.consent-row input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--color-gold-dark); }
.form-legal { margin-bottom: 20px; color: rgba(255,255,255,.58); font-size: .65rem; line-height: 1.6; }
.form-panel--light .form-legal { color: var(--color-muted); }
.form-legal a { border-bottom: 1px solid currentColor; }
.form-trap { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { min-height: 22px; margin-bottom: 12px; color: var(--color-gold); font-size: .76rem; }
.form-progress { height: 3px; margin-bottom: 42px; background: var(--color-line); }
.form-progress span { display: block; width: 33.333%; height: 100%; background: var(--color-gold-dark); transition: width var(--transition); }
.form-step { min-width: 0; margin: 0; padding: 0; border: 0; }
.form-step legend { margin-bottom: 34px; color: var(--color-ink); font-family: var(--font-display); font-size: 2rem; }
.step-actions { display: flex; justify-content: flex-end; gap: 12px; margin: 12px 0 0; }
.multi-step-form:not(.is-final) > .consent-row, .multi-step-form:not(.is-final) > .form-legal, .multi-step-form:not(.is-final) > .form-status, .multi-step-form:not(.is-final) > .button { display: none; }

.inner-hero { position: relative; padding: calc(var(--header-height) + 120px) 0 112px; color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.inner-hero::after { content: ""; position: absolute; width: 480px; height: 480px; right: -180px; bottom: -300px; border: 1px solid var(--color-line-dark); border-radius: 50%; }
.inner-hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(280px, .55fr); gap: 70px; align-items: end; }
.inner-hero h1 { max-width: 13ch; margin: 0; color: var(--color-white); font-size: clamp(3.2rem, 6vw, 5.9rem); }
.inner-hero__lead { max-width: 50ch; margin: 0; color: rgba(255,255,255,.72); font-size: 1.05rem; }
.inner-hero--article .inner-hero__grid { display: block; }
.inner-hero--article h1 { max-width: 15ch; }
.inner-hero__meta { margin-top: 24px; color: rgba(255,255,255,.62); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; }
.inner-hero--va { background: linear-gradient(90deg, rgba(11,11,11,.96), rgba(11,11,11,.68)), url('../images/va-hero.png') center/cover; }

.split--about { grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr); align-items: start; }
.about-portrait { position: sticky; top: 130px; }
.about-portrait img { aspect-ratio: 4/5; object-fit: cover; object-position: center top; }
.about-portrait > p { margin: 0; padding: 18px 22px; color: var(--color-white); background: var(--color-ink); font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.prose > * + * { margin-top: 24px; }
.prose h2, .prose h3 { margin-top: 48px; }
.prose blockquote { margin: 44px 0; padding: 8px 0 8px 30px; border-left: 2px solid var(--color-gold-dark); color: var(--color-ink); font-family: var(--font-display); font-size: clamp(1.5rem, 2.5vw, 2.25rem); line-height: 1.45; }
.credential-list { margin-block: 42px; border-top: 1px solid var(--color-line); }
.credential-list > div { display: grid; grid-template-columns: 150px 1fr; gap: 24px; padding: 18px 0; border-bottom: 1px solid var(--color-line); }
.credential-list span { color: var(--color-muted); font-size: .68rem; letter-spacing: .1em; text-transform: uppercase; }
.credential-list strong { color: var(--color-ink); font-size: .84rem; }
.values-grid { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line); }
.value-row { display: grid; grid-template-columns: 52px 1fr; gap: 10px 22px; padding: 38px 34px 38px 0; border-bottom: 1px solid var(--color-line); }
.value-row:nth-child(odd) { border-right: 1px solid var(--color-line); }
.value-row:nth-child(even) { padding-left: 34px; }
.value-row span { grid-row: 1/3; color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.value-row h3, .value-row p { margin: 0; }
.value-row p { color: var(--color-muted); font-size: .88rem; }

.programs-graphic { width: 100%; margin-bottom: 64px; border: 1px solid var(--color-line); }
.program-hub-list { border-top: 1px solid var(--color-line); }
.program-hub-row { display: grid; grid-template-columns: 64px 1fr auto; gap: 30px; align-items: center; padding: 34px 8px; border-bottom: 1px solid var(--color-line); transition: padding var(--transition), background var(--transition); }
.program-hub-row:hover { padding-inline: 24px; background: var(--color-paper); }
.program-hub-row > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.program-hub-row h3 { margin: 0 0 8px; }
.program-hub-row p { margin: 0; color: var(--color-muted); font-size: .85rem; }
.program-hub-row em { font-size: .65rem; font-style: normal; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }

.split--program { grid-template-columns: minmax(280px, .72fr) minmax(0, 1.28fr); align-items: start; }
.split--program > div:first-child h2 { max-width: 10ch; }
.benefit-lines { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--color-line); }
.benefit-line { min-height: 140px; display: grid; grid-template-columns: 56px 1fr; align-items: center; gap: 20px; padding: 28px 30px 28px 0; border-bottom: 1px solid var(--color-line); }
.benefit-line:nth-child(odd) { border-right: 1px solid var(--color-line); }
.benefit-line:nth-child(even) { padding-left: 30px; }
.benefit-line span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.35rem; }
.benefit-line p { margin: 0; color: var(--color-ink); font-family: var(--font-display); font-size: 1.25rem; line-height: 1.5; }
.split--consider { grid-template-columns: .75fr 1.25fr; align-items: start; }
.consider-list { border-top: 1px solid var(--color-line-dark); }
.consider-row { display: grid; grid-template-columns: 54px 1fr; gap: 20px; padding: 28px 0; border-bottom: 1px solid var(--color-line-dark); }
.consider-row span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.25rem; }
.consider-row p { margin: 0; color: rgba(255,255,255,.76); }
.va-resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.va-resource-grid img { width: 100%; aspect-ratio: 3/4; object-fit: cover; object-position: top; box-shadow: var(--shadow-soft); }

.calculator-shell { min-height: 800px; border: 1px solid var(--color-line); background: var(--color-white); box-shadow: var(--shadow-soft); scroll-margin-top: calc(var(--header-height) + 16px); }
.calculator-selector { border-bottom: 1px solid var(--color-line); background: var(--color-paper); }
.calculator-selector__heading { min-height: 96px; display: flex; align-items: end; justify-content: space-between; gap: 40px; padding: 24px 28px; color: var(--color-white); background: var(--color-ink); }
.calculator-selector__heading .eyebrow { margin: 0; }
.calculator-selector__heading > p:last-child { max-width: 58ch; margin: 0; color: rgba(255,255,255,.66); font-size: .78rem; line-height: 1.65; text-align: right; }
.calculator-nav { display: grid; grid-template-columns: repeat(9, minmax(112px, 1fr)); color: var(--color-ink); background: var(--color-paper); overflow-x: auto; overscroll-behavior-inline: contain; scroll-snap-type: x proximity; scrollbar-width: none; }
.calculator-nav::-webkit-scrollbar { display: none; }
.calculator-nav button { position: relative; min-width: 0; min-height: 132px; display: grid; align-content: space-between; gap: 18px; padding: 22px 18px 20px; color: var(--color-muted); background: var(--color-white); border: 0; border-right: 1px solid var(--color-line); font-size: .68rem; font-weight: 600; letter-spacing: .075em; text-align: left; text-transform: uppercase; scroll-snap-align: start; cursor: pointer; transition: color var(--transition), background var(--transition), transform var(--transition); }
.calculator-nav button:last-child { border-right: 0; }
.calculator-nav button::after { content: ""; position: absolute; inset: auto 18px 0; height: 3px; background: var(--color-gold); opacity: 0; transform: scaleX(.25); transform-origin: left; transition: opacity var(--transition), transform var(--transition); }
.calculator-nav__symbol { width: 34px; height: 34px; display: grid; place-items: center; color: var(--color-gold-dark); transition: color var(--transition), transform var(--transition); }
.calculator-nav__symbol svg { width: 28px; height: 28px; }
.calculator-nav__copy { display: grid; gap: 4px; }
.calculator-nav__copy > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: .92rem; line-height: 1; }
.calculator-nav__copy strong { color: inherit; font-size: inherit; font-weight: 650; line-height: 1.45; letter-spacing: inherit; }
.calculator-nav button:hover { color: var(--color-ink); background: var(--color-paper); }
.calculator-nav button:hover .calculator-nav__symbol { transform: translateY(-2px); }
.calculator-nav button[aria-selected="true"] { color: var(--color-white); background: var(--color-charcoal); }
.calculator-nav button[aria-selected="true"]::after { opacity: 1; transform: scaleX(1); }
.calculator-nav button[aria-selected="true"] .calculator-nav__symbol, .calculator-nav button[aria-selected="true"] .calculator-nav__copy > span { color: var(--color-gold); }
.calculator-stage { min-width: 0; padding: clamp(36px, 5vw, 72px); }
.calculator-panel { scroll-margin-top: 190px; }
.calculator-panel header { max-width: 740px; margin-bottom: 46px; }
.calculator-panel h2 { font-size: clamp(2.35rem, 4vw, 4rem); }
.calculator-panel header > p:last-child { color: var(--color-muted); }
.calc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.calc-field { display: grid; gap: 8px; }
.calc-field > span:first-child { min-height: 40px; color: var(--color-muted); font-size: .66rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; }
.calc-input-wrap { min-height: 54px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; border: 1px solid var(--color-line); background: var(--color-paper); }
.calc-input-wrap:focus-within { border-color: var(--color-gold-dark); outline: 2px solid var(--color-gold); }
.calc-input-wrap i { padding-inline: 12px; color: var(--color-muted); font-size: .75rem; font-style: normal; }
.calc-input-wrap input { min-width: 0; width: 100%; height: 52px; padding: 8px 2px; border: 0; outline: 0; background: transparent; color: var(--color-ink); font-weight: 600; }
.calc-form .button { margin-top: 28px; }
.calc-output { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; margin-top: 42px; border: 1px solid var(--color-line); background: var(--color-line); }
.calc-result { min-height: 108px; display: flex; flex-direction: column; justify-content: center; padding: 22px 26px; background: var(--color-paper); }
.calc-result span { color: var(--color-muted); font-size: .65rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; }
.calc-result strong { margin-top: 7px; color: var(--color-ink); font-family: var(--font-display); font-size: clamp(1.4rem, 2.6vw, 2.2rem); font-weight: 600; }
.calc-output .calc-result:last-child:nth-child(odd) { grid-column: 1/-1; background: var(--color-ink); }
.calc-output .calc-result:last-child:nth-child(odd) span { color: rgba(255,255,255,.6); }
.calc-output .calc-result:last-child:nth-child(odd) strong { color: var(--color-gold); }
.comparison-results { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 42px; }
.comparison-results > div { padding: 28px; border-top: 3px solid var(--color-gold-dark); background: var(--color-paper); }
.comparison-results > div > p { color: var(--color-ink); font-family: var(--font-display); font-size: 1.45rem; }
.comparison-results .calc-result { padding: 16px 0; background: transparent; border-top: 1px solid var(--color-line); }
.amortization { margin-top: 24px; border: 1px solid var(--color-line); }
.amortization summary { padding: 18px 22px; color: var(--color-ink); font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; }
.table-wrap { max-width: 100%; overflow-x: auto; }
.amortization table { width: 100%; border-collapse: collapse; min-width: 560px; }
.amortization th, .amortization td { padding: 13px 18px; border-top: 1px solid var(--color-line); text-align: right; font-size: .76rem; }
.amortization th:first-child, .amortization td:first-child { text-align: left; }

.sr-only { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0, 0, 0, 0) !important; white-space: nowrap !important; border: 0 !important; }
.calculator-panel--mortgage { --mortgage-gold-soft: #e0c779; --mortgage-sage: #8ea497; --mortgage-clay: #b86f50; --mortgage-cream: #ece5d2; }
.calculator-panel--mortgage .mortgage-intro { max-width: none; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(280px, .92fr); gap: clamp(36px, 5vw, 76px); align-items: end; padding-bottom: 40px; border-bottom: 1px solid var(--color-line); }
.mortgage-intro h2 { max-width: 10ch; margin-bottom: 0; }
.mortgage-intro > p { max-width: 52ch; margin: 0 0 8px; }
.mortgage-studio { position: relative; display: grid; grid-template-columns: minmax(310px, 350px) minmax(0, 1fr); gap: 28px; align-items: start; }
.mortgage-studio::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 350px; border: 1px solid var(--color-line); background: var(--color-paper); pointer-events: none; }
.mortgage-controls { position: sticky; top: 112px; z-index: 1; border: 1px solid var(--color-line); background: var(--color-paper); }
.mortgage-controls__heading { display: grid; grid-template-columns: 42px 1fr; gap: 16px; align-items: start; padding: 28px 28px 24px; border-bottom: 1px solid var(--color-line); }
.mortgage-controls__heading > span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.25rem; line-height: 1.2; }
.mortgage-controls__heading h3 { margin: 0; font-size: 1.45rem; }
.mortgage-controls__heading p { margin: 5px 0 0; color: var(--color-muted); font-size: .74rem; line-height: 1.55; }
.mortgage-form { padding: 26px 28px 30px; }
.mortgage-primary-fields { display: grid; gap: 25px; }
.mortgage-control { display: grid; gap: 9px; }
.mortgage-control__label { color: var(--color-muted); font-size: .65rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.mortgage-control__value { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; align-items: baseline; border-bottom: 1px solid var(--color-ink); }
.mortgage-control__value i { color: var(--color-muted); font-size: .78rem; font-style: normal; }
.mortgage-control__value input { min-width: 0; width: 100%; padding: 2px 8px 8px; color: var(--color-ink); background: transparent; border: 0; outline: 0; font-family: var(--font-display); font-size: 1.55rem; font-weight: 600; }
.mortgage-control__value:focus-within { border-color: var(--color-gold-dark); box-shadow: 0 2px 0 var(--color-gold); }
.mortgage-control__range { width: 100%; height: 18px; margin: 0; appearance: none; -webkit-appearance: none; background: transparent; cursor: pointer; }
.mortgage-control__range::-webkit-slider-runnable-track { height: 2px; background: linear-gradient(90deg, var(--color-gold-dark) 0 var(--range-progress, 0%), var(--color-line) var(--range-progress, 0%) 100%); }
.mortgage-control__range::-moz-range-track { height: 2px; background: var(--color-line); }
.mortgage-control__range::-moz-range-progress { height: 2px; background: var(--color-gold-dark); }
.mortgage-control__range::-webkit-slider-thumb { width: 18px; height: 18px; margin-top: -8px; appearance: none; -webkit-appearance: none; border: 2px solid var(--color-paper); border-radius: 50%; background: var(--color-ink); box-shadow: 0 0 0 1px var(--color-ink); transition: transform var(--transition), background var(--transition); }
.mortgage-control__range::-moz-range-thumb { width: 16px; height: 16px; border: 2px solid var(--color-paper); border-radius: 50%; background: var(--color-ink); box-shadow: 0 0 0 1px var(--color-ink); transition: transform var(--transition), background var(--transition); }
.mortgage-control__range:hover::-webkit-slider-thumb, .mortgage-control__range:focus-visible::-webkit-slider-thumb { background: var(--color-gold-dark); transform: scale(1.12); }
.mortgage-control__range:hover::-moz-range-thumb, .mortgage-control__range:focus-visible::-moz-range-thumb { background: var(--color-gold-dark); transform: scale(1.12); }
.mortgage-assumptions { margin-top: 30px; border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.mortgage-assumptions summary { display: grid; gap: 3px; padding: 16px 0; cursor: pointer; list-style: none; }
.mortgage-assumptions summary::-webkit-details-marker { display: none; }
.mortgage-assumptions summary span { position: relative; padding-right: 24px; color: var(--color-ink); font-size: .7rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; }
.mortgage-assumptions summary span::after { content: "+"; position: absolute; right: 0; top: -5px; color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.35rem; font-weight: 400; }
.mortgage-assumptions[open] summary span::after { content: "−"; }
.mortgage-assumptions summary em { color: var(--color-muted); font-size: .62rem; font-style: normal; line-height: 1.45; }
.mortgage-assumption-fields { grid-template-columns: 1fr; gap: 16px; padding: 12px 0 22px; }
.mortgage-assumption-fields .calc-field > span:first-child { min-height: 0; }
.mortgage-assumptions__note { margin: -8px 0 22px; color: var(--color-muted); font-size: .65rem; line-height: 1.55; }
.mortgage-form .button { width: 100%; margin-top: 24px; }
.mortgage-live-note { margin: 12px 0 0; color: var(--color-muted); font-size: .62rem; line-height: 1.4; text-align: center; }
.mortgage-error { min-height: 18px; margin: 7px 0 0; color: var(--color-error); font-size: .62rem; font-weight: 600; line-height: 1.4; text-align: center; }

.mortgage-dashboard { min-width: 0; padding: clamp(24px, 3vw, 40px); color: var(--color-white); background: var(--color-ink); }
.mortgage-payment-hero { display: grid; grid-template-columns: minmax(0, 1fr) 200px; gap: 28px; align-items: center; padding-bottom: 34px; border-bottom: 1px solid var(--color-line-dark); }
.mortgage-payment-copy p { margin: 0 0 8px; color: var(--mortgage-gold-soft); font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.mortgage-payment-copy > strong { display: block; color: var(--color-white); font-family: var(--font-display); font-size: clamp(3rem, 6vw, 5.35rem); font-weight: 600; letter-spacing: -.045em; line-height: .95; }
.mortgage-payment-copy > span { display: block; max-width: 48ch; margin-top: 16px; color: rgba(255,255,255,.56); font-size: .68rem; line-height: 1.55; }
.mortgage-ring { position: relative; width: 190px; aspect-ratio: 1; }
.mortgage-ring svg { width: 100%; height: 100%; overflow: visible; transform: rotate(-90deg); }
.mortgage-ring circle { fill: none; stroke-width: 15; }
.mortgage-ring__track { stroke: var(--color-line-dark); }
.mortgage-ring__segment { transition: stroke-dasharray 540ms cubic-bezier(.16,1,.3,1), stroke-dashoffset 540ms cubic-bezier(.16,1,.3,1); }
.mortgage-ring__segment--pi { stroke: var(--color-gold); }
.mortgage-ring__segment--tax { stroke: var(--mortgage-gold-soft); }
.mortgage-ring__segment--insurance { stroke: var(--mortgage-sage); }
.mortgage-ring__segment--hoa { stroke: var(--mortgage-clay); }
.mortgage-ring__segment--pmi { stroke: var(--mortgage-cream); }
.mortgage-ring > div { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; pointer-events: none; }
.mortgage-ring > div span { color: rgba(255,255,255,.52); font-size: .62rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.mortgage-ring > div strong { max-width: 110px; margin-top: 3px; color: var(--color-white); font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; line-height: 1.1; }
.mortgage-metrics { display: grid; grid-template-columns: repeat(2, 1fr); border-bottom: 1px solid var(--color-line-dark); }
.mortgage-metrics > div { min-height: 104px; display: grid; align-content: center; gap: 5px; padding: 20px 20px 20px 0; border-bottom: 1px solid var(--color-line-dark); }
.mortgage-metrics > div:nth-child(odd) { border-right: 1px solid var(--color-line-dark); }
.mortgage-metrics > div:nth-child(even) { padding-left: 20px; }
.mortgage-metrics > div:nth-last-child(-n+2) { border-bottom: 0; }
.mortgage-metrics span { color: rgba(255,255,255,.5); font-size: .58rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.mortgage-metrics strong { color: var(--color-white); font-family: var(--font-display); font-size: clamp(1.3rem, 2.3vw, 1.85rem); font-weight: 600; line-height: 1.15; }
.mortgage-composition { display: grid; padding: 22px 0 30px; }
.mortgage-composition > div { display: grid; grid-template-columns: minmax(0, 1fr) auto 42px; gap: 10px; align-items: center; min-height: 38px; border-bottom: 1px solid rgba(255,255,255,.07); }
.mortgage-composition span { color: rgba(255,255,255,.65); font-size: .67rem; }
.mortgage-composition span i { display: inline-block; width: 7px; height: 7px; margin-right: 10px; border-radius: 50%; background: var(--color-gold); }
.mortgage-composition [data-payment-item="tax"] i { background: var(--mortgage-gold-soft); }
.mortgage-composition [data-payment-item="insurance"] i { background: var(--mortgage-sage); }
.mortgage-composition [data-payment-item="hoa"] i { background: var(--mortgage-clay); }
.mortgage-composition [data-payment-item="pmi"] i { background: var(--mortgage-cream); }
.mortgage-composition strong { color: var(--color-white); font-family: var(--font-display); font-size: .95rem; font-weight: 600; }
.mortgage-composition em { color: rgba(255,255,255,.54); font-size: .58rem; font-style: normal; text-align: right; }

.mortgage-chart-card { padding: clamp(22px, 3vw, 32px); border: 1px solid var(--color-line-dark); background: var(--color-charcoal); }
.mortgage-chart-heading { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 22px; align-items: end; }
.mortgage-chart-heading p, .mortgage-lifetime > div:first-child p { margin: 0 0 7px; color: var(--mortgage-gold-soft); font-size: .58rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.mortgage-chart-heading h3, .mortgage-lifetime h3 { margin: 0; color: var(--color-white); font-size: clamp(1.4rem, 2.5vw, 2rem); }
.mortgage-chart-legend { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 12px; padding-bottom: 4px; }
.mortgage-chart-legend span { color: rgba(255,255,255,.58); font-size: .62rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }
.mortgage-chart-legend span::before { content: ""; display: inline-block; width: 16px; height: 2px; margin: 0 6px 3px 0; background: var(--color-gold); }
.mortgage-chart-legend span:nth-child(2)::before { background: var(--mortgage-cream); }
.mortgage-chart-legend span:nth-child(3)::before { background: var(--mortgage-sage); }
.mortgage-chart-wrap { margin-top: 18px; }
.mortgage-chart { display: block; width: 100%; height: auto; outline: none; overflow: visible; }
.mortgage-chart:focus-visible { outline: 2px solid var(--color-gold); outline-offset: 4px; }
.mortgage-chart__grid line { stroke: rgba(255,255,255,.12); stroke-width: 1; }
.mortgage-chart__grid text { fill: rgba(255,255,255,.42); font-family: var(--font-body); font-size: 10px; }
.mortgage-chart__area { fill: rgba(203,161,53,.07); stroke: none; transition: d 500ms cubic-bezier(.16,1,.3,1); }
.mortgage-chart__line { fill: none; stroke-width: 3; vector-effect: non-scaling-stroke; }
.mortgage-chart__line--balance { stroke: var(--color-gold); }
.mortgage-chart__line--principal { stroke: var(--mortgage-cream); }
.mortgage-chart__line--interest { stroke: var(--mortgage-sage); }
.mortgage-chart__interaction { fill: transparent; cursor: crosshair; }
.mortgage-chart__tooltip line { stroke: rgba(255,255,255,.38); stroke-dasharray: 3 4; }
.mortgage-chart__tooltip circle { stroke: var(--color-charcoal); stroke-width: 2; }
.mortgage-chart__tooltip [data-tooltip-dot="balance"] { fill: var(--color-gold); }
.mortgage-chart__tooltip [data-tooltip-dot="principal"] { fill: var(--mortgage-cream); }
.mortgage-chart__tooltip [data-tooltip-dot="interest"] { fill: var(--mortgage-sage); }
.mortgage-chart-readout { min-height: 34px; margin: 12px 0 0; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.68); font-size: .63rem; line-height: 1.55; }

.mortgage-lifetime { display: grid; grid-template-columns: .68fr 1.32fr; gap: 28px; align-items: start; margin-top: 24px; padding: 30px 0; border-top: 1px solid var(--color-line-dark); border-bottom: 1px solid var(--color-line-dark); }
.mortgage-lifetime__bars { display: grid; gap: 17px; }
.mortgage-lifetime__bars > div { display: grid; grid-template-columns: minmax(120px, 1fr) minmax(90px, 1fr) auto; gap: 12px; align-items: center; }
.mortgage-lifetime__bars span { color: rgba(255,255,255,.55); font-size: .59rem; }
.mortgage-lifetime__bars i { height: 6px; display: block; overflow: hidden; background: var(--color-line-dark); }
.mortgage-lifetime__bars b { width: 100%; height: 100%; display: block; background: var(--color-gold); transform: scaleX(var(--bar-scale, 0)); transform-origin: left center; transition: transform 620ms cubic-bezier(.16,1,.3,1); }
.mortgage-lifetime__bars [data-cost-bar="scheduled"] b { background: var(--mortgage-clay); }
.mortgage-lifetime__bars [data-cost-bar="planned"] b { background: var(--mortgage-sage); }
.mortgage-lifetime__bars strong { color: var(--color-white); font-family: var(--font-display); font-size: .92rem; font-weight: 600; }
.mortgage-savings { grid-column: 2; display: flex; justify-content: space-between; gap: 16px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); }
.mortgage-savings span { color: rgba(255,255,255,.54); font-size: .63rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.mortgage-savings strong { color: var(--mortgage-gold-soft); font-family: var(--font-display); font-size: 1.35rem; font-weight: 600; }
.mortgage-dashboard .mortgage-schedule { margin-top: 24px; border-color: var(--color-line-dark); }
.mortgage-dashboard .mortgage-schedule summary { color: var(--color-white); }
.mortgage-dashboard .mortgage-schedule th, .mortgage-dashboard .mortgage-schedule td { color: rgba(255,255,255,.68); border-color: var(--color-line-dark); }
.mortgage-dashboard .mortgage-schedule th { color: var(--mortgage-gold-soft); }
.mortgage-review { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: center; margin-top: 24px; padding: 26px; color: var(--color-ink); background: var(--color-gold); }
.mortgage-review p { margin: 0 0 4px; font-family: var(--font-display); font-size: 1.28rem; font-weight: 600; line-height: 1.25; }
.mortgage-review span { display: block; max-width: 54ch; font-size: .65rem; line-height: 1.55; }
.mortgage-review .button { min-width: 190px; color: var(--color-white); background: var(--color-ink); border-color: var(--color-ink); }
.mortgage-review .button:hover { color: var(--color-ink); background: transparent; }
.mortgage-dashboard > .fine-print { color: rgba(255,255,255,.5); }

.split--form { grid-template-columns: minmax(280px, .7fr) minmax(0, 1.3fr); align-items: start; }
.form-page__aside { position: sticky; top: 130px; }
.form-page__aside h2 { max-width: 10ch; }
.download-grid { display: grid; grid-template-columns: 1.15fr .85fr .85fr; border-top: 1px solid var(--color-line); }
.download-grid > a { min-height: 360px; display: flex; flex-direction: column; padding: 38px 30px; border-right: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); transition: color var(--transition), background var(--transition); }
.download-grid > a:last-child { border-right: 0; }
.download-grid > a:hover { color: var(--color-white); background: var(--color-ink); }
.download-grid span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.download-grid h3 { margin-top: 36px; }
.download-grid > a:hover h3 { color: var(--color-white); }
.download-grid p { color: var(--color-muted); font-size: .86rem; }
.download-grid em { margin-top: auto; font-size: .65rem; font-style: normal; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.article-list { border-top: 1px solid var(--color-line); }
.article-row { display: grid; grid-template-columns: 150px 1.2fr 1fr auto; gap: 28px; align-items: center; padding: 36px 0; border-bottom: 1px solid var(--color-line); }
.article-row h2, .article-row h3, .article-row p { margin: 0; }
.article-row h2, .article-row h3 { font-size: 1.5rem; }
.article-row > p:not(.article-meta) { color: var(--color-muted); font-size: .82rem; }
.area-list { border-top: 1px solid var(--color-line); }
.area-row { display: grid; grid-template-columns: 70px 1fr 1.3fr; gap: 28px; align-items: center; padding: 38px 0; border-bottom: 1px solid var(--color-line); }
.area-row span { color: var(--color-gold-dark); font-family: var(--font-display); font-size: 1.3rem; }
.area-row h3, .area-row p { margin: 0; }
.area-row p { color: var(--color-muted); }
.legal-copy h2 { font-size: 2rem; }
.legal-copy h2:not(:first-child) { margin-top: 52px; }
.thank-you-page { min-height: 100dvh; display: grid; place-items: center; padding: calc(var(--header-height) + 80px) 0 80px; color: var(--color-white); background: var(--color-ink); }
.thank-you-page h1 { color: var(--color-white); }
.thank-you-page > div > p:not(.eyebrow,.fine-print) { color: rgba(255,255,255,.72); font-size: 1.1rem; }

.single-article .prose { font-size: 1.05rem; }
.single-article .prose > p:first-child { font-size: 1.2rem; }
.article-advisor { margin-top: 72px; padding: 42px; background: var(--color-paper); border-top: 2px solid var(--color-gold-dark); }
.article-advisor h2 { margin-top: 0; font-size: 2.4rem; }
.site-main .navigation.pagination { margin-top: 50px; }
.nav-links { display: flex; flex-wrap: wrap; gap: 8px; }
.page-numbers { min-width: 44px; min-height: 44px; display: grid; place-items: center; border: 1px solid var(--color-line); }
.page-numbers.current { color: var(--color-white); background: var(--color-ink); }

.site-footer { padding: 108px 0 36px; color: var(--color-white); background: var(--color-ink); }
.footer-intro { display: flex; align-items: end; justify-content: space-between; gap: 40px; padding-bottom: 74px; border-bottom: 1px solid var(--color-line-dark); }
.footer-intro h2 { max-width: 12ch; margin: 0; color: var(--color-white); }
.footer-grid { display: grid; grid-template-columns: 1.5fr .65fr .75fr 1fr; gap: 56px; padding-block: 72px; }
.brand--footer { color: var(--color-white); }
.brand--footer .brand__lockup { width: min(100%, 420px); }
.footer-brand > p { max-width: 47ch; margin: 28px 0; color: rgba(255,255,255,.62); font-size: .78rem; }
.footer-label { margin-bottom: 22px; color: var(--color-gold); font-size: .66rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.footer-grid > div:not(.footer-brand) > a { display: block; padding: 7px 0; color: rgba(255,255,255,.78); font-size: .78rem; }
.footer-grid a:hover { color: var(--color-gold); }
.footer-contact > p:last-child { margin-top: 22px; color: rgba(255,255,255,.58); font-size: .74rem; }
.footer-legal { display: grid; grid-template-columns: 1.3fr auto 1fr; gap: 30px; align-items: center; padding-block: 26px; border-top: 1px solid var(--color-line-dark); border-bottom: 1px solid var(--color-line-dark); color: rgba(255,255,255,.56); font-size: .64rem; }
.footer-legal p { margin: 0; }
.footer-legal div { display: flex; gap: 20px; }
.footer-legal p:last-child { text-align: right; }
.site-footer .eyebrow { color: var(--color-gold); }
.footer-disclaimer { max-width: 1180px; margin: 28px 0 0; color: rgba(255,255,255,.64); font-size: .68rem; line-height: 1.7; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity 650ms cubic-bezier(.16,1,.3,1), transform 650ms cubic-bezier(.16,1,.3,1); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
@keyframes heroIn { from { opacity: 0; transform: scale(1.08); } to { opacity: 1; transform: scale(1.02); } }

@media (max-width: 1180px) {
    .desktop-nav, .header-phone, .button--header { display: none; }
    .site-header__inner { grid-template-columns: auto 1fr auto; }
    .menu-button { display: inline-flex; align-items: center; justify-content: center; }
    .header-actions { margin-left: auto; }
    .home-hero__content { grid-template-columns: 1fr; }
    .hero-credential { display: none; }
    .trust-band__grid { grid-template-columns: 1fr 1fr; }
    .trust-band__grid > div:nth-child(2) { border-right: 0; }
    .trust-band__grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--color-line-dark); }
    .calc-fields { grid-template-columns: 1fr 1fr; }
    .mortgage-studio { grid-template-columns: 1fr; }
    .mortgage-studio::before { display: none; }
    .mortgage-controls { position: static; }
    .mortgage-primary-fields { grid-template-columns: 1fr 1fr; gap: 24px 30px; }
    .mortgage-assumption-fields { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
    .footer-contact { grid-column: 2/4; }
}

@media (max-width: 900px) {
    .container, .container--wide { width: min(calc(100% - 40px), var(--container)); }
    .section { padding-block: 88px; }
    .split, .section-heading--split, .inner-hero__grid { grid-template-columns: 1fr; gap: 48px; }
    .section-heading--split { align-items: start; }
    .section-heading--split h2 { max-width: 16ch; }
    .program-lines { grid-template-columns: 1fr; }
    .program-line:nth-child(odd) { border-right: 0; }
    .program-line:nth-child(even) { padding-left: 0; }
    .process-intro, .split--faq > div:first-child, .about-portrait, .form-page__aside { position: static; }
    .process-intro h2 { max-width: 14ch; }
    .resource-layout { grid-template-columns: 1fr; }
    .resource-secondary { min-height: 360px; }
    .insight-grid { grid-template-columns: 1fr 1fr; }
    .insight-card:first-child { grid-column: 1/-1; }
    .inner-hero { padding-top: calc(var(--header-height) + 86px); }
    .inner-hero h1 { max-width: 14ch; }
    .benefit-lines, .values-grid { grid-template-columns: 1fr; }
    .benefit-line:nth-child(odd), .value-row:nth-child(odd) { border-right: 0; }
    .benefit-line:nth-child(even), .value-row:nth-child(even) { padding-left: 0; }
    .calculator-selector__heading { align-items: start; }
    .calculator-nav { display: flex; }
    .calculator-nav button { flex: 0 0 168px; min-height: 118px; }
    .calculator-panel--mortgage .mortgage-intro { grid-template-columns: 1fr; gap: 24px; }
    .mortgage-intro > p { max-width: 60ch; }
    .download-grid { grid-template-columns: 1fr; }
    .download-grid > a { min-height: 280px; border-right: 0; }
    .article-row { grid-template-columns: 120px 1fr; }
    .article-row > p:not(.article-meta), .article-row > .text-link { grid-column: 2; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: 1/-1; }
    .footer-contact { grid-column: auto; }
    .footer-legal { grid-template-columns: 1fr; }
    .footer-legal p:last-child { text-align: left; }
}

@media (max-width: 640px) {
    :root { --header-height: 82px; }
    body { font-size: 15px; }
    .container, .container--wide { width: min(calc(100% - 32px), var(--container)); }
    .section { padding-block: 72px; }
    h1 { font-size: clamp(2.8rem, 13vw, 4.1rem); }
    h2 { font-size: clamp(2.25rem, 10vw, 3.3rem); }
    .brand { min-width: 0; }
    .brand__lockup { width: 202px; }
    .menu-button { min-width: 64px; }
    .home-hero__content { padding-top: calc(var(--header-height) + 70px); padding-bottom: 100px; }
    .home-hero h1 { font-size: clamp(3.2rem, 15vw, 4.8rem); }
    .hero-lead { font-size: 1rem; }
    .home-hero__media img { object-position: 63% center; }
    .hero-scroll { display: none; }
    .button-row { display: grid; grid-template-columns: 1fr; }
    .button { width: 100%; }
    .trust-band__grid { grid-template-columns: 1fr; }
    .trust-band__grid > div { min-height: 86px; border-right: 0; border-bottom: 1px solid var(--color-line-dark); }
    .portrait-composition { padding: 22px 0 0 22px; }
    .portrait-composition__backdrop { right: 22px; bottom: 32px; }
    .portrait-composition p { position: relative; right: auto; bottom: auto; width: calc(100% - 22px); margin-left: 22px; }
    .program-line { grid-template-columns: 34px 1fr; min-height: 142px; padding-right: 0; }
    .program-line em { display: none; }
    .program-line p { grid-column: 2; }
    .process-list--wide { grid-template-columns: 1fr; }
    .process-list--wide .process-row:nth-child(odd) { padding-right: 0; border-right: 0; }
    .process-list--wide .process-row:nth-child(even) { padding-left: 0; }
    .cinematic-break { min-height: 680px; }
    .cinematic-break__content { margin-left: 0; }
    .resource-feature img { height: auto; }
    .insight-grid { grid-template-columns: 1fr; }
    .insight-card:first-child { grid-column: auto; }
    .insight-card { min-height: 320px; border-right: 0; }
    .form-grid, .calc-fields, .calc-output, .comparison-results { grid-template-columns: 1fr; }
    .calc-output .calc-result:last-child:nth-child(odd) { grid-column: auto; }
    .form-panel { padding: 28px 20px; }
    .contact-lines a { grid-template-columns: 1fr; gap: 4px; }
    .inner-hero { padding-top: calc(var(--header-height) + 68px); padding-bottom: 76px; }
    .inner-hero::after { display: none; }
    .inner-hero h1 { font-size: clamp(2.7rem, 13vw, 4.3rem); }
    .credential-list > div { grid-template-columns: 1fr; gap: 4px; }
    .program-hub-row { grid-template-columns: 42px 1fr; gap: 18px; }
    .program-hub-row em { display: none; }
    .benefit-line { grid-template-columns: 42px 1fr; padding-right: 0; }
    .va-resource-grid { grid-template-columns: 1fr; }
    .calculator-section { padding-top: 0; }
    .calculator-shell { width: 100%; border-inline: 0; box-shadow: none; }
    .calculator-selector__heading { min-height: 0; display: grid; gap: 10px; padding: 24px 18px; }
    .calculator-selector__heading > p:last-child { max-width: 42ch; text-align: left; }
    .calculator-nav button { flex-basis: 150px; min-height: 108px; padding: 18px 16px 17px; }
    .calculator-nav button::after { inset-inline: 16px; }
    .calculator-nav__symbol { width: 30px; height: 30px; }
    .calculator-nav__symbol svg { width: 25px; height: 25px; }
    .calculator-stage { padding: 50px 18px 70px; }
    .calc-field > span:first-child { min-height: 0; }
    .mortgage-studio { gap: 18px; }
    .mortgage-controls__heading { padding: 24px 20px 20px; }
    .mortgage-form { padding: 24px 20px 26px; }
    .mortgage-primary-fields, .mortgage-assumption-fields { grid-template-columns: 1fr; }
    .mortgage-dashboard { padding: 28px 18px; }
    .mortgage-payment-hero { grid-template-columns: 1fr; gap: 22px; }
    .mortgage-payment-copy > strong { font-size: clamp(3rem, 15vw, 4.25rem); }
    .mortgage-ring { width: 172px; margin-inline: auto; }
    .mortgage-metrics { grid-template-columns: 1fr; }
    .mortgage-metrics > div, .mortgage-metrics > div:nth-child(odd), .mortgage-metrics > div:nth-child(even) { min-height: 84px; padding: 16px 0; border-right: 0; border-bottom: 1px solid var(--color-line-dark); }
    .mortgage-metrics > div:nth-last-child(-n+2) { border-bottom: 1px solid var(--color-line-dark); }
    .mortgage-metrics > div:last-child { border-bottom: 0; }
    .mortgage-composition > div { grid-template-columns: minmax(0, 1fr) auto 36px; }
    .mortgage-chart-card { padding: 22px 12px 18px; }
    .mortgage-chart-heading { grid-template-columns: 1fr; gap: 14px; }
    .mortgage-chart-legend { justify-content: flex-start; }
    .mortgage-chart__grid text { font-size: 11px; }
    .mortgage-chart-readout { font-size: .6rem; }
    .mortgage-lifetime { grid-template-columns: 1fr; gap: 22px; }
    .mortgage-lifetime__bars > div { grid-template-columns: 1fr auto; }
    .mortgage-lifetime__bars i { grid-column: 1/-1; grid-row: 2; }
    .mortgage-lifetime__bars strong { grid-column: 2; grid-row: 1; }
    .mortgage-savings { grid-column: 1; }
    .mortgage-review { grid-template-columns: 1fr; padding: 24px 20px; }
    .mortgage-review .button { width: 100%; }
    .form-step legend { font-size: 1.65rem; }
    .step-actions { display: grid; grid-template-columns: 1fr; }
    .article-row { grid-template-columns: 1fr; gap: 14px; }
    .article-row > p:not(.article-meta), .article-row > .text-link { grid-column: auto; }
    .area-row { grid-template-columns: 44px 1fr; }
    .area-row p { grid-column: 2; }
    .footer-intro { display: block; }
    .footer-intro .button { margin-top: 30px; }
    .footer-grid { grid-template-columns: 1fr; gap: 42px; }
    .footer-brand, .footer-contact { grid-column: auto; }
    .footer-legal div { display: grid; gap: 8px; }
    .mobile-menu__cta { display: block; }
    .mobile-menu__cta .button { margin-top: 20px; }
}

/* Buyer-readiness questionnaire */
.readiness-questionnaire { min-width: 0; margin: 34px 0; padding: 30px 0 4px; border: 0; border-top: 1px solid currentColor; }
.readiness-questionnaire legend { padding: 0 18px 0 0; color: inherit; font-family: var(--font-display); font-size: 1.7rem; line-height: 1.2; }
.readiness-questionnaire > p { max-width: 62ch; margin: 4px 0 24px; color: rgba(255,255,255,.68); font-size: .76rem; line-height: 1.7; }
.readiness-questionnaire .form-grid { margin-top: 0; }
.readiness-questionnaire .field { align-content: start; }
.readiness-questionnaire__note { margin-top: 20px !important; font-size: .65rem !important; }
.form-panel--light .readiness-questionnaire,
.contextual-popup-form .readiness-questionnaire { border-top-color: var(--color-line); }
.form-panel--light .readiness-questionnaire > p,
.contextual-popup-form .readiness-questionnaire > p { color: var(--color-muted); }
.contextual-popup-form .readiness-questionnaire { margin-block: 24px; padding-top: 24px; }
.contextual-popup-form .readiness-questionnaire legend { font-size: 1.35rem; }

/* Cost of waiting calculator */
.calculator-panel--waiting { --waiting-sage: #829a8a; --waiting-clay: #b77758; --waiting-gold: #e3b94c; }
.waiting-intro { max-width: none !important; display: grid; grid-template-columns: minmax(0, 1fr) minmax(280px, .82fr); gap: clamp(36px, 6vw, 84px); align-items: end; padding-bottom: 40px; border-bottom: 1px solid var(--color-line); }
.waiting-intro h2 { max-width: 10ch; margin-bottom: 0; }
.waiting-intro > p { max-width: 54ch; margin-bottom: 8px; }
.waiting-studio { display: grid; grid-template-columns: minmax(320px, 390px) minmax(0, 1fr); gap: 0; align-items: start; border: 1px solid var(--color-line); }
.waiting-form { min-width: 0; padding: 0 30px 32px; background: var(--color-paper); border-right: 1px solid var(--color-line); }
.waiting-form__heading { display: grid; grid-template-columns: 42px 1fr; gap: 16px; margin-inline: -30px; padding: 28px 30px 24px; border-bottom: 1px solid var(--color-line); }
.waiting-form__heading > span,
.waiting-card__heading > span { color: var(--color-gold-dark); font-family: var(--font-body); font-size: .62rem; font-weight: 600; letter-spacing: .18em; }
.waiting-form__heading h3,
.waiting-card__heading h3 { margin: 0; font-size: 1.45rem; font-weight: 400; }
.waiting-form__heading p { margin: 5px 0 0; color: var(--color-muted); font-size: .72rem; line-height: 1.55; }
.waiting-fields { display: grid; gap: 26px; padding-top: 28px; }
.waiting-fields > .calc-field > span:first-child,
.waiting-assumptions .calc-field > span:first-child { min-height: 0; }
.waiting-fields .calc-input-wrap { background: var(--color-white); }
.waiting-fields .calc-input-wrap select { min-width: 0; width: 100%; height: 52px; padding: 8px 12px; color: var(--color-ink); background: transparent; border: 0; outline: 0; font-weight: 600; }
.waiting-time { min-width: 0; margin: 0; padding: 24px 0 0; border: 0; border-top: 1px solid var(--color-line); }
.waiting-time legend { width: 100%; display: flex; justify-content: space-between; gap: 16px; padding: 0; color: var(--color-muted); font-size: .65rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.waiting-time legend strong { color: var(--color-ink); font-size: .68rem; }
.waiting-time > div { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; margin-top: 14px; }
.waiting-time button { min-height: 42px; padding: 8px 5px; color: var(--color-muted); background: var(--color-white); border: 1px solid var(--color-line); font-size: .61rem; font-weight: 600; cursor: pointer; transition: color var(--transition), background var(--transition), border-color var(--transition), transform var(--transition); }
.waiting-time button:hover,
.waiting-time button:focus-visible { color: var(--color-ink); border-color: var(--color-gold-dark); transform: translateY(-1px); }
.waiting-time button[aria-pressed="true"] { color: var(--color-ink); background: var(--waiting-gold); border-color: var(--waiting-gold); }
.waiting-assumptions { padding-top: 4px; }
.waiting-assumptions > p { margin-bottom: 18px; color: var(--color-ink); font-family: var(--font-display); font-size: 1.2rem; }
.waiting-assumptions__grid { display: grid; gap: 17px; }
.waiting-form__note { margin: 22px 0 0; color: var(--color-muted); font-size: .63rem; line-height: 1.6; }
.waiting-dashboard { min-width: 0; padding: clamp(28px, 4vw, 52px); color: var(--color-white); background: var(--color-ink); }
.waiting-total { padding-bottom: 38px; border-bottom: 1px solid var(--color-line-dark); }
.waiting-total p { margin: 0 0 10px; color: rgba(255,255,255,.72); font-size: .83rem; letter-spacing: .02em; }
.waiting-total > strong { display: block; color: var(--waiting-gold); font-family: var(--font-display); font-size: clamp(3.4rem, 7vw, 6.8rem); font-weight: 400; line-height: 1; letter-spacing: -.04em; }
.waiting-total > span { display: block; margin-top: 13px; color: rgba(255,255,255,.52); font-size: .64rem; letter-spacing: .08em; text-transform: uppercase; }
.waiting-comparison { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin-block: 36px; background: var(--color-line-dark); }
.waiting-comparison > section { min-width: 0; padding: 30px 28px; background: #121210; }
.waiting-card__heading { display: grid; grid-template-columns: 32px 1fr; gap: 10px; align-items: baseline; margin-bottom: 26px; }
.waiting-card__heading h3 { color: var(--color-white); font-size: 1.3rem; }
.waiting-card__kicker { margin: -18px 0 24px 42px; color: rgba(255,255,255,.5); font-size: .61rem; text-transform: uppercase; letter-spacing: .1em; }
.waiting-bar-chart { height: 74px; display: grid; align-content: end; gap: 8px; margin-bottom: 28px; }
.waiting-bar-chart i { display: block; height: 14px; background: var(--waiting-sage); transform: scaleX(var(--bar-scale, 0)); transform-origin: left; transition: transform 520ms cubic-bezier(.16,1,.3,1); }
.waiting-bar-chart i + i { background: var(--waiting-gold); }
.waiting-bar-chart--payment i { background: var(--waiting-clay); }
.waiting-bar-chart--payment i + i { background: var(--waiting-gold); }
.waiting-dashboard dl { margin: 0; }
.waiting-dashboard dl > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 20px; align-items: baseline; padding: 13px 0; border-top: 1px solid var(--color-line-dark); }
.waiting-dashboard dt { color: rgba(255,255,255,.62); font-size: .67rem; }
.waiting-dashboard dd { margin: 0; color: var(--color-white); font-family: var(--font-display); font-size: 1.05rem; }
.waiting-breakdown { padding: 32px; border: 1px solid var(--color-line-dark); }
.waiting-breakdown .waiting-card__heading { margin-bottom: 16px; }
.waiting-breakdown__total { margin-top: 8px; padding-top: 22px !important; border-top-color: var(--waiting-gold) !important; }
.waiting-breakdown__total dt { color: var(--color-white); font-weight: 600; }
.waiting-breakdown__total dd { color: var(--waiting-gold); font-size: 1.65rem; }
.waiting-review { display: grid; grid-template-columns: 1fr auto; gap: 28px; align-items: center; margin-top: 34px; padding: 28px 30px; color: var(--color-ink); background: var(--waiting-gold); }
.waiting-review p { margin: 0 0 5px; font-family: var(--font-display); font-size: 1.35rem; }
.waiting-review span { display: block; max-width: 54ch; font-size: .72rem; line-height: 1.6; }
.waiting-review .button { margin: 0; color: var(--color-white); background: var(--color-ink); border-color: var(--color-ink); white-space: nowrap; }
.waiting-dashboard .fine-print--light { color: rgba(255,255,255,.52); }

@media (max-width: 1100px) {
    .waiting-studio { grid-template-columns: 1fr; }
    .waiting-form { border-right: 0; border-bottom: 1px solid var(--color-line); }
    .waiting-assumptions__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
    .waiting-intro { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 640px) {
    .readiness-questionnaire { margin-block: 28px; padding-top: 24px; }
    .readiness-questionnaire legend { font-size: 1.4rem; }
    .waiting-form { padding-inline: 20px; }
    .waiting-form__heading { margin-inline: -20px; padding-inline: 20px; }
    .waiting-assumptions__grid,
    .waiting-comparison { grid-template-columns: 1fr; }
    .waiting-time > div { grid-template-columns: repeat(2, 1fr); }
    .waiting-dashboard { padding: 30px 18px; }
    .waiting-total > strong { font-size: clamp(3.2rem, 17vw, 4.6rem); }
    .waiting-comparison > section { padding: 26px 20px; }
    .waiting-breakdown { padding: 26px 20px; }
    .waiting-dashboard dl > div { gap: 14px; }
    .waiting-review { grid-template-columns: 1fr; padding: 24px 20px; }
    .waiting-review .button { width: 100%; white-space: normal; }
}

/* August 2026 conversion, media, webinar, navigation, and compliance release */
.site-header .brand,
.site-header .brand__lockup { transition: width 320ms ease, min-width 320ms ease, transform 320ms ease; }
.site-header.is-scrolled .brand { min-width: 245px; }
.site-header.is-scrolled .brand__lockup { width: 245px; }
.desktop-nav { gap: 24px; }
.header-actions { min-width: 128px; }

.nav-mega {
    position: fixed;
    top: calc(var(--header-height) - 1px);
    left: 50vw;
    width: min(980px, calc(100vw - 48px));
    min-height: 490px;
    grid-template-columns: minmax(300px, .82fr) minmax(0, 1.35fr);
    gap: 0;
    padding: 0;
    overflow: hidden;
    transform: translate(-50%, 18px);
}
.site-header.is-scrolled .nav-mega { top: 85px; }
.nav-mega.is-open { transform: translate(-50%, 0); }
.nav-mega__feature { position: relative; display: block !important; min-height: 490px; padding: 0 !important; overflow: hidden; border: 0 !important; }
.nav-mega__feature::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(8,8,8,.04) 15%, rgba(8,8,8,.9) 100%); }
.nav-mega__feature img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 700ms cubic-bezier(.16,1,.3,1); }
.nav-mega__feature:hover img { transform: scale(1.035); }
.nav-mega__feature > span { position: absolute; z-index: 1; inset: auto 34px 38px; color: var(--color-white); }
.nav-mega__feature small,
.nav-mega__feature strong,
.nav-mega__feature em { display: block; }
.nav-mega__feature small { margin-bottom: 15px; font-family: var(--font-body); font-size: .58rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; }
.nav-mega__feature strong { font-family: var(--font-display); font-size: clamp(1.7rem, 2.3vw, 2.5rem); font-weight: 400; line-height: 1.08; }
.nav-mega__feature em { margin-top: 22px; font-family: var(--font-body); font-size: .6rem; font-style: normal; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; }
.nav-mega__lists { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-content: center; padding: 52px 58px; background: #0b0b0b; }
.nav-mega__lists p { margin-bottom: 18px; }
.nav-mega__lists a { font-size: 1.08rem; }

.inner-hero {
    min-height: 640px;
    display: grid;
    align-items: end;
    background-color: var(--color-ink);
    background-image: linear-gradient(90deg, rgba(6,6,6,.93) 0%, rgba(6,6,6,.78) 47%, rgba(6,6,6,.42) 100%), url('../images/hero-homeownership.webp');
    background-position: center;
    background-size: cover;
}
.inner-hero--loan-programs,
.inner-hero--purchase,
.inner-hero--refinance,
.inner-hero--refinancing,
.inner-hero--conventional-loans,
.inner-hero--fha-loans,
.inner-hero--jumbo-loans,
.inner-hero--usda-loans,
.inner-hero--adjustable-rate-mortgages,
.inner-hero--15-year-fixed-rate,
.inner-hero--30-year-fixed-rate,
.inner-hero--investment-property-loans,
.inner-hero--dscr-loans,
.inner-hero--heloc,
.inner-hero--specialty-financing { background-image: linear-gradient(90deg, rgba(6,6,6,.94) 0%, rgba(6,6,6,.76) 48%, rgba(6,6,6,.35) 100%), url('../images/hero-loans.webp'); }
.inner-hero--va { background-image: linear-gradient(90deg, rgba(6,6,6,.94) 0%, rgba(6,6,6,.7) 52%, rgba(6,6,6,.3) 100%), url('../images/va-hero.png'); }
.inner-hero--calculators,
.inner-hero--mortgage-calculator { background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-calculators.webp'); }
.inner-hero--resources,
.inner-hero--privacy-policy,
.inner-hero--terms-and-conditions,
.inner-hero--article { background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-resources.webp'); }
.inner-hero--webinars,
.inner-hero--webinar { background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.56)), url('../images/hero-webinars.webp'); }
.inner-hero--apply-online,
.inner-hero--get-your-quote,
.inner-hero--book-appointment,
.inner-hero--contact,
.inner-hero--contact-us { background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-contact.webp'); }
.inner-hero--about,
.inner-hero--team { background-image: linear-gradient(90deg, rgba(6,6,6,.96), rgba(6,6,6,.65)), url('../images/gin-santesteban.jpg'); background-position: center 32%; }

.program-lead-section { background: var(--color-white); }
.program-lead-section .split--form { align-items: start; }
.program-context { margin-top: 42px; padding: 25px 0; border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.program-context span,
.program-context strong { display: block; }
.program-context span { color: var(--color-muted); font-size: .62rem; font-weight: 600; letter-spacing: .17em; text-transform: uppercase; }
.program-context strong { margin-top: 9px; font-family: var(--font-display); font-size: 1.55rem; font-weight: 400; }
.action-choice .button-row { max-width: 840px; margin-inline: auto; }

.video-library { color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.video-library .section-heading h2 { color: var(--color-white); }
.video-library__intro { max-width: 520px; color: rgba(255,255,255,.68); }
.youtube-channel-mark { display: inline-flex; align-items: center; gap: 14px; min-height: 44px; margin-bottom: 24px; color: var(--color-white); font-size: .67rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; transition: color var(--transition), transform var(--transition); }
.youtube-channel-mark svg { width: 38px; height: auto; flex: 0 0 auto; }
.youtube-channel-mark__screen { fill: var(--color-youtube); }
.youtube-channel-mark__play { fill: var(--color-white); }
.youtube-channel-mark strong { font-weight: 700; }
.youtube-channel-mark:hover,
.youtube-channel-mark:focus-visible { color: var(--color-gold); transform: translateY(-2px); }
.slider-controls { display: flex; gap: 10px; margin-top: 28px; }
.slider-controls button { width: 52px; height: 52px; color: var(--color-white); background: transparent; border: 1px solid rgba(255,255,255,.26); font-size: 1.1rem; cursor: pointer; transition: color var(--transition), background var(--transition); }
.slider-controls button:hover { color: var(--color-ink); background: var(--color-white); }
.video-slider { display: grid; grid-auto-flow: column; grid-auto-columns: minmax(300px, 31.5%); gap: 24px; margin: 64px calc((100vw - min(calc(100vw - 80px), var(--container))) / -2) 40px 0; padding-right: 5vw; overflow-x: auto; overscroll-behavior-inline: contain; scroll-snap-type: inline mandatory; scrollbar-width: none; }
.video-slider::-webkit-scrollbar { display: none; }
.video-card { scroll-snap-align: start; }
.video-card__play { position: relative; display: block; width: 100%; aspect-ratio: 16 / 10; padding: 0; overflow: hidden; background: #141414; border: 0; cursor: pointer; }
.video-card__play::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 50%, rgba(0,0,0,.48)); }
.video-card__play img { width: 100%; height: 100%; object-fit: cover; transition: transform 700ms cubic-bezier(.16,1,.3,1), filter 300ms ease; }
.video-card__play:hover img { transform: scale(1.035); filter: brightness(.82); }
.video-play-mark { position: absolute; z-index: 1; left: 26px; bottom: 25px; width: 58px; height: 58px; display: grid; place-items: center; color: var(--color-ink); background: var(--color-gold); border-radius: 50%; font-size: .9rem; text-indent: 2px; }
.video-card__copy { padding: 26px 0 10px; }
.video-card__copy p { margin: 0 0 10px; color: rgba(255,255,255,.5); font-size: .59rem; letter-spacing: .13em; text-transform: uppercase; }
.video-card__copy h3 { max-width: 28ch; margin: 0; color: var(--color-white); font-size: 1.55rem; font-weight: 400; line-height: 1.22; }
.video-library > .container > .text-link { color: var(--color-white); }

.media-dialog,
.webinar-dialog,
.welcome-video-dialog { width: min(1120px, calc(100vw - 48px)); max-width: none; max-height: min(880px, calc(100dvh - 48px)); padding: 0; color: var(--color-text); background: var(--color-paper); border: 0; box-shadow: 0 30px 90px rgba(0,0,0,.5); overflow: auto; }
.media-dialog::backdrop,
.webinar-dialog::backdrop,
.welcome-video-dialog::backdrop { background: rgba(0,0,0,.82); backdrop-filter: blur(8px); }
.media-dialog__close { position: absolute; z-index: 3; top: 20px; right: 20px; min-width: 80px; min-height: 42px; color: inherit; background: rgba(247,247,245,.94); border: 1px solid rgba(8,8,8,.16); font-size: .59rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; cursor: pointer; }
.media-dialog__heading { padding: 46px 58px 30px; }
.media-dialog__heading h2 { max-width: 22ch; margin: 0; font-size: clamp(2rem, 4vw, 3.6rem); }
.media-dialog__frame { aspect-ratio: 16 / 9; background: #000; }
.media-dialog__frame iframe,
.welcome-video-dialog__frame iframe { width: 100%; height: 100%; border: 0; }

.webinar-countdown { padding: 58px 0; color: var(--color-white); background: #101010; border-top: 1px solid var(--color-line-dark); }
.webinar-countdown__grid { display: grid; grid-template-columns: minmax(300px, 1fr) auto auto; gap: 54px; align-items: center; }
.webinar-countdown h2 { max-width: 15ch; margin: 0 0 14px; color: var(--color-white); font-size: clamp(2rem, 3vw, 3.2rem); }
.webinar-countdown p { color: rgba(255,255,255,.62); }
.countdown-clock { display: flex; gap: 12px; }
.countdown-clock span { min-width: 82px; padding: 19px 12px; text-align: center; border: 1px solid rgba(255,255,255,.18); color: rgba(255,255,255,.58); font-size: .62rem; letter-spacing: .13em; text-transform: uppercase; }
.countdown-clock strong { display: block; margin-bottom: 6px; color: var(--color-white); font-family: var(--font-display); font-size: 1.9rem; font-weight: 400; letter-spacing: 0; }
.webinar-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 64px; background: var(--color-line); border: 1px solid var(--color-line); }
.webinar-card { min-height: 510px; display: flex; flex-direction: column; padding: 42px 36px; background: var(--color-paper); }
.webinar-card > span { color: var(--color-gold); font-family: var(--font-display); font-size: 1.2rem; }
.webinar-card h3 { margin: 42px 0 22px; font-size: 2rem; font-weight: 400; }
.webinar-card small { display: block; margin-top: auto; padding-top: 32px; color: var(--color-muted); }
.webinar-card .text-link { align-self: flex-start; margin-top: 24px; padding: 0 0 5px; background: transparent; border: 0; border-bottom: 1px solid currentColor; cursor: pointer; }
.webinar-partner { padding: 120px 0; color: var(--color-white); background: linear-gradient(90deg, rgba(8,8,8,.94), rgba(8,8,8,.72)), url('../images/hero-contact.webp') center/cover; }
.webinar-partner h2 { max-width: 12ch; color: var(--color-white); }
.webinar-partner .split > div:last-child { align-self: end; color: rgba(255,255,255,.72); }
.webinar-partner .button { margin-top: 28px; }
.webinar-dialog { padding: 62px; }
.webinar-dialog__layout { display: grid; grid-template-columns: .72fr 1fr; gap: 68px; align-items: start; }
.webinar-dialog__layout h2 { margin-bottom: 22px; }
.mini-countdown { display: flex; gap: 26px; margin-top: 34px; padding-top: 24px; border-top: 1px solid var(--color-line); }
.mini-countdown strong { font-family: var(--font-display); font-size: 2rem; font-weight: 400; }

.global-action-rail { color: var(--color-white); background: #111; border-top: 1px solid var(--color-line-dark); border-bottom: 1px solid var(--color-line-dark); }
.global-action-rail__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.global-action-rail a { min-height: 170px; display: grid; grid-template-columns: auto 1fr; grid-template-rows: auto auto; gap: 7px 20px; align-content: center; padding: 30px 44px; border-right: 1px solid var(--color-line-dark); transition: background var(--transition); }
.global-action-rail a:last-child { border-right: 0; }
.global-action-rail a:hover { background: rgba(227,185,76,.13); }
.global-action-rail span { grid-row: 1 / 3; align-self: start; color: var(--color-gold); font-family: var(--font-display); font-size: 1.1rem; }
.global-action-rail strong { color: var(--color-white); font-family: var(--font-display); font-size: 1.55rem; font-weight: 400; }
.global-action-rail small { color: rgba(255,255,255,.55); font-size: .67rem; line-height: 1.55; }

.social-rail { position: fixed; z-index: 900; left: 0; top: 50%; display: grid; transform: translateY(-50%); border: 1px solid rgba(255,255,255,.18); border-left: 0; background: rgba(8,8,8,.46); backdrop-filter: blur(12px); }
.social-rail a { width: 44px; height: 44px; display: grid; place-items: center; color: rgba(255,255,255,.72); border-bottom: 1px solid rgba(255,255,255,.14); transition: color var(--transition), background var(--transition); }
.social-rail a:last-child { border-bottom: 0; }
.social-rail a:hover { color: var(--color-white); background: rgba(255,255,255,.08); }
.social-rail svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }

.footer-contact p { line-height: 1.9; }
.footer-legal { grid-template-columns: 1.5fr auto .7fr; }

.welcome-video-dialog { overflow: hidden; }
.welcome-video-dialog__layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .7fr); min-height: 690px; }
.welcome-video-dialog__copy { align-self: center; padding: 72px; }
.welcome-video-dialog__copy h2 { max-width: 12ch; }
.welcome-video-dialog__frame { aspect-ratio: 9 / 16; height: 690px; justify-self: end; background: #000; }
.contextual-lead-dialog { width: min(1040px, calc(100vw - 48px)); max-width: none; max-height: min(860px, calc(100dvh - 48px)); padding: 0; color: var(--color-text); background: var(--color-paper); border: 0; box-shadow: 0 30px 90px rgba(0,0,0,.5); overflow: auto; }
.contextual-lead-dialog::backdrop { background: rgba(0,0,0,.82); backdrop-filter: blur(8px); }
.contextual-lead-dialog__layout { display: grid; grid-template-columns: minmax(300px, .8fr) minmax(430px, 1fr); }
.contextual-lead-dialog__copy { display: flex; flex-direction: column; justify-content: center; padding: 72px 60px; color: var(--color-white); background: #0c0c0c; }
.contextual-lead-dialog__copy h2 { max-width: 12ch; margin-bottom: 24px; color: var(--color-white); }
.contextual-lead-dialog__copy > p:not(.eyebrow,.fine-print) { color: rgba(255,255,255,.72); }
.contextual-lead-dialog__copy .fine-print { margin-top: 36px; color: rgba(255,255,255,.52); }
.contextual-lead-dialog .form-panel { padding: 62px 54px; }
.contextual-popup-form textarea { min-height: 92px; }

.recorded-webinars { color: var(--color-white); background: #0c0c0c; }
.recorded-webinars .section-heading h2 { color: var(--color-white); }
.recorded-webinars .section-heading > p { color: rgba(255,255,255,.62); }
.recorded-webinar-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 64px; background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.16); }
.recorded-webinar-card { background: #151515; }
.recorded-webinar-card__media { position: relative; display: block; width: 100%; aspect-ratio: 4 / 3; padding: 0; color: var(--color-white); background: #080808; border: 0; overflow: hidden; cursor: pointer; }
.recorded-webinar-card__media::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0,0,0,.08), rgba(0,0,0,.72)); transition: background .3s ease; }
.recorded-webinar-card__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 28%; filter: grayscale(100%); transition: transform .55s ease, filter .35s ease; }
.recorded-webinar-card__index, .recorded-webinar-card__watch { position: absolute; z-index: 1; bottom: 22px; }
.recorded-webinar-card__index { left: 24px; color: var(--color-gold); font-family: var(--font-display); font-size: 1.35rem; }
.recorded-webinar-card__watch { right: 24px; padding-bottom: 4px; border-bottom: 1px solid currentColor; font-size: .62rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; }
.recorded-webinar-card__copy { min-height: 290px; padding: 34px 30px 38px; }
.recorded-webinar-card__copy > p:first-child { color: var(--color-gold); font-size: .62rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.recorded-webinar-card__copy h3 { margin: 22px 0 18px; color: var(--color-white); font-size: 1.75rem; font-weight: 400; }
.recorded-webinar-card__copy > p:last-child { color: rgba(255,255,255,.6); }
@media (hover:hover) {
    .recorded-webinar-card__media:hover img { transform: scale(1.035); filter: grayscale(0%); }
    .recorded-webinar-card__media:hover::after { background: linear-gradient(180deg, rgba(0,0,0,0), rgba(0,0,0,.62)); }
}

@media (max-width: 1180px) {
    .site-header.is-scrolled .brand { min-width: 245px; }
    .site-header.is-scrolled .brand__lockup { width: 245px; }
    .nav-mega { display: none; }
    .webinar-countdown__grid { grid-template-columns: 1fr auto; }
    .webinar-countdown__grid > .button { grid-column: 1 / -1; justify-self: start; }
    .global-action-rail a { padding-inline: 28px; }
}

@media (max-width: 900px) {
    .inner-hero { min-height: 580px; background-position: 60% center; }
    .video-slider { grid-auto-columns: minmax(310px, 58%); }
    .webinar-grid { grid-template-columns: 1fr; }
    .webinar-card { min-height: 420px; }
    .webinar-countdown__grid { grid-template-columns: 1fr; }
    .webinar-countdown__grid > .button { grid-column: auto; }
    .webinar-dialog { padding: 50px 34px; }
    .webinar-dialog__layout { grid-template-columns: 1fr; gap: 42px; }
    .global-action-rail__grid { width: 100%; grid-template-columns: 1fr; }
    .global-action-rail a { min-height: 132px; border-right: 0; border-bottom: 1px solid var(--color-line-dark); }
    .welcome-video-dialog__layout { grid-template-columns: 1fr 320px; }
    .welcome-video-dialog__copy { padding: 54px 42px; }
    .welcome-video-dialog__frame { height: 620px; }
    .contextual-lead-dialog__layout { grid-template-columns: .8fr 1fr; }
    .contextual-lead-dialog__copy { padding: 54px 42px; }
    .contextual-lead-dialog .form-panel { padding: 54px 42px; }
    .recorded-webinar-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
    .site-header.is-scrolled .brand { min-width: 0; }
    .site-header.is-scrolled .brand__lockup { width: min(240px, calc(100vw - 112px)); }
    .mobile-menu__actions { display: grid; gap: 10px; }
    .mobile-menu__actions .button { width: 100%; }
    .inner-hero { min-height: 520px; background-position: 62% center; }
    .inner-hero--about,
    .inner-hero--team { background-position: 62% center; }
    .program-lead-section .form-panel { margin-top: 8px; padding-inline: 0; }
    .action-choice .button-row .button { width: 100%; }
    .video-slider { grid-auto-columns: 86%; gap: 16px; margin-right: -16px; padding-right: 16px; }
    .video-card__copy h3 { font-size: 1.35rem; }
    .media-dialog,
    .webinar-dialog,
    .welcome-video-dialog { width: calc(100vw - 20px); max-height: calc(100dvh - 20px); }
    .media-dialog__heading { padding: 72px 24px 24px; }
    .media-dialog__frame { aspect-ratio: 9 / 16; }
    .countdown-clock { display: grid; grid-template-columns: 1fr 1fr; }
    .countdown-clock span { min-width: 0; }
    .webinar-dialog { padding: 76px 20px 30px; }
    .webinar-card { min-height: 450px; padding: 34px 26px; }
    .webinar-partner { padding-block: 86px; }
    .global-action-rail a { padding: 26px 28px; }
    .social-rail a { width: 34px; height: 38px; }
    .social-rail svg { width: 15px; height: 15px; }
    .footer-legal { grid-template-columns: 1fr; }
    .welcome-video-dialog__layout { display: flex; flex-direction: column; }
    .welcome-video-dialog__copy { padding: 78px 24px 34px; }
    .welcome-video-dialog__copy h2 { font-size: 2.45rem; }
    .welcome-video-dialog__copy .button { width: 100%; }
    .welcome-video-dialog__frame { width: 100%; height: min(118vw, 560px); aspect-ratio: 9 / 16; }
    .contextual-lead-dialog { width: calc(100vw - 20px); max-height: calc(100dvh - 20px); }
    .contextual-lead-dialog__layout { grid-template-columns: 1fr; }
    .contextual-lead-dialog__copy { padding: 76px 24px 34px; }
    .contextual-lead-dialog__copy h2 { font-size: 2.35rem; }
    .contextual-lead-dialog__copy .fine-print { margin-top: 22px; }
    .contextual-lead-dialog .form-panel { padding: 34px 24px 40px; }
    .recorded-webinar-grid { grid-template-columns: 1fr; margin-top: 42px; }
    .recorded-webinar-card__copy { min-height: 0; }
}

@media (prefers-reduced-motion: reduce) {
    .site-header .brand,
    .site-header .brand__lockup,
    .nav-mega__feature img,
    .video-card__play img { transition: none; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
    .reveal { opacity: 1; transform: none; }
}

/* --------------------------------------------------------------------------
   Cape Cod editorial refinement
   A quieter luxury system: warm whites, ink, champagne rules, generous space.
   -------------------------------------------------------------------------- */

:root {
    --color-ink: #080808;
    --color-charcoal: #121212;
    --color-paper: #f7f7f5;
    --color-white: #ffffff;
    --color-text: #3d3b37;
    --color-muted: #706d68;
    --color-line: #dfdcd3;
    --color-line-dark: #2d2d2b;
    --color-gold: #e3b94c;
    --color-gold-dark: #76540b;
    --overlay-hero: linear-gradient(180deg, rgba(5, 16, 26, .58) 0%, rgba(5, 14, 24, .13) 38%, rgba(7, 7, 7, .76) 100%);
    --overlay-image: linear-gradient(90deg, rgba(8, 8, 8, .04) 0%, rgba(8, 8, 8, .18) 42%, #080808 78%);
    --shadow-soft: 0 26px 70px rgba(26, 23, 15, .12);
    --font-display: "Playfair Display", Georgia, serif;
    --font-body: "Poppins", Arial, sans-serif;
    --container: 1320px;
    --reading: 760px;
    --header-height: 116px;
    --transition: 360ms cubic-bezier(.16, 1, .3, 1);
}

body {
    color: var(--color-text);
    background: var(--color-white);
    font-family: var(--font-body);
    line-height: 1.78;
    letter-spacing: .012em;
}

h1, h2, h3, h4 {
    font-weight: 400;
    line-height: 1.14;
    letter-spacing: -.018em;
    text-wrap: balance;
}

h1 { font-size: clamp(3.5rem, 6vw, 6rem); }
h2 { font-size: clamp(2.75rem, 4.8vw, 4.75rem); }
h3 { font-size: clamp(1.55rem, 2.25vw, 2.2rem); }
p { text-wrap: pretty; }

.container { width: min(calc(100% - 80px), var(--container)); }
.container--wide { width: min(calc(100% - 80px), 1400px); }
.section { padding-block: clamp(112px, 10vw, 168px); }
.section--ink { background: var(--color-ink); }
.section--cream { background: var(--color-paper); }
.lead { font-weight: 400; line-height: 1.72; }

.eyebrow {
    margin-bottom: 20px;
    color: #5e5a53;
    font-size: .7rem;
    font-weight: 600;
    letter-spacing: .26em;
}

.eyebrow--light { color: rgba(255, 255, 255, .76); }

.home-hero .eyebrow::after,
.inner-hero .eyebrow::after,
.intro-copy .eyebrow::after,
.section-heading .eyebrow::after,
.process-intro .eyebrow::after,
.cinematic-break .eyebrow::after,
.footer-intro .eyebrow::after {
    content: "";
    display: block;
    width: 92px;
    height: 1px;
    margin-top: 22px;
    background: var(--color-gold);
}

.button {
    min-height: 60px;
    min-width: 220px;
    padding: 19px 30px;
    font-size: .7rem;
    font-weight: 600;
    letter-spacing: .2em;
    transition: color var(--transition), background var(--transition), border-color var(--transition), transform var(--transition);
}

.button:hover { transform: translateY(-3px); }
.text-link { font-size: .7rem; font-weight: 600; letter-spacing: .18em; }

.site-header {
    height: var(--header-height);
    border-bottom-color: rgba(255,255,255,.18);
    background: linear-gradient(180deg, rgba(4, 12, 19, .36), transparent);
}

.has-solid-header .site-header,
.site-header.is-scrolled {
    background: rgba(8, 8, 8, .96);
    box-shadow: 0 1px 0 rgba(255,255,255,.1);
    backdrop-filter: blur(16px);
}

.site-header.is-scrolled { height: 86px; }
.site-header__inner { gap: 44px; }
.site-header .brand { min-width: 299px; }
.site-header .brand__lockup { width: 299px; max-width: none; }
.desktop-nav { gap: 32px; }

.desktop-nav > a,
.nav-group > button {
    font-size: .72rem;
    font-weight: 500;
    letter-spacing: .16em;
}

.desktop-nav > a::after,
.nav-group > button::after { bottom: 4px; background: rgba(255,255,255,.8); }
.header-phone { font-size: .67rem; font-weight: 500; letter-spacing: .14em; }
.button--header { min-width: 136px; min-height: 48px; padding: 13px 20px; color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.button--header:hover { color: var(--color-ink); background: var(--color-white); border-color: var(--color-white); }

.nav-dropdown {
    top: calc(100% + 14px);
    padding: 42px 44px;
    background: rgba(8,8,8,.98);
    border-top-width: 1px;
    box-shadow: 0 28px 70px rgba(0,0,0,.28);
}

.nav-dropdown p { color: rgba(255,255,255,.58); font-size: .6rem; letter-spacing: .2em; }
.nav-dropdown a { padding: 10px 0; font-size: 1.18rem; font-weight: 400; }

.home-hero {
    min-height: 100dvh;
    align-items: center;
    isolation: isolate;
}

.home-hero::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: 1;
    pointer-events: none;
    box-shadow: inset 0 -150px 160px rgba(0,0,0,.16);
}

.home-hero__media :is(img, video) {
    object-position: 58% center;
    filter: saturate(.82) contrast(1.03);
    animation-duration: 1.8s;
}

.home-hero__content {
    position: relative;
    z-index: 2;
    min-height: 100dvh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding-top: calc(var(--header-height) + 72px);
    padding-bottom: 112px;
}

.home-hero__copy {
    width: 100%;
    max-width: 1060px;
    margin-inline: auto;
    text-align: center;
}

.home-hero .eyebrow {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-bottom: 30px;
    color: rgba(255,255,255,.72);
}

.home-hero h1 {
    max-width: 16ch;
    margin-inline: auto;
    color: var(--color-white);
    font-size: clamp(4.8rem, 7vw, 7rem);
    font-weight: 400;
    line-height: 1.03;
    letter-spacing: -.024em;
}

.hero-lead {
    max-width: 790px;
    margin: 30px auto 0;
    color: rgba(255,255,255,.88);
    font-size: clamp(1rem, 1.3vw, 1.16rem);
    line-height: 1.8;
}

.home-hero .button-row { justify-content: center; gap: 16px; margin-top: 42px; }
.home-hero .button { min-width: 244px; color: var(--color-white); border-color: rgba(255,255,255,.28); }
.home-hero .button--gold { color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.home-hero .button--light-outline { background: rgba(255,255,255,.11); backdrop-filter: blur(10px); }
.home-hero .button:hover { color: var(--color-ink); background: var(--color-white); border-color: var(--color-white); }

.hero-credential {
    position: absolute;
    right: auto;
    bottom: 30px;
    left: 0;
    min-width: 396px;
    padding: 0 0 0 31px;
    text-align: left;
}

.hero-credential span,
.hero-credential small { font-size: .7rem; letter-spacing: .17em; }
.hero-credential strong { margin-block: 10px; font-size: 1.42rem; font-weight: 400; }
.hero-scroll { right: auto; left: 4vw; bottom: 30px; color: rgba(255,255,255,.68); font-size: .58rem; letter-spacing: .2em; }

.trust-band {
    color: var(--color-ink);
    background: var(--color-white);
    border-top: 0;
    border-bottom: 1px solid var(--color-line);
}

.trust-band__grid > div {
    min-height: 184px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 16px;
    padding: 36px 40px;
    border-right-color: var(--color-line);
    text-align: center;
}

.trust-band span { color: var(--color-gold-dark); font-family: var(--font-body); font-size: .62rem; font-weight: 600; letter-spacing: .24em; }
.trust-band strong { max-width: 250px; margin-inline: auto; font-family: var(--font-display); font-size: 1.38rem; font-weight: 400; line-height: 1.38; letter-spacing: -.01em; text-transform: none; }

.intro-section { position: relative; overflow: hidden; }
.intro-section::after { content: ""; position: absolute; width: 360px; height: 1px; right: 0; top: 122px; background: var(--color-line); }
.split--intro { grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr); gap: clamp(72px, 9vw, 140px); }

.portrait-composition {
    max-width: 610px;
    margin-left: -28px;
    padding: 0 0 48px 0;
}

.portrait-composition__backdrop { inset: 52px -42px 0 52px; background: var(--color-paper); }
.portrait-composition img { aspect-ratio: 4/5.18; filter: saturate(.74) contrast(1.03); box-shadow: var(--shadow-soft); }
.portrait-composition p {
    right: -72px;
    bottom: 0;
    width: 272px;
    padding: 28px 30px;
    color: var(--color-ink);
    background: var(--color-white);
    border-top: 1px solid var(--color-gold);
    box-shadow: 0 18px 50px rgba(26,23,15,.1);
    font-size: 1.18rem;
    font-weight: 400;
}

.intro-copy { max-width: 700px; }
.intro-copy h2 { max-width: 12ch; }
.intro-copy .lead { max-width: 57ch; }
.intro-copy > p:not(.eyebrow,.lead) { max-width: 64ch; color: #5c5954; }

.section-heading { margin-bottom: clamp(60px, 7vw, 96px); }
.section-heading--split { grid-template-columns: minmax(0, 1.2fr) minmax(300px, .62fr); gap: clamp(64px, 9vw, 132px); }
.section-heading--split h2 { max-width: 13ch; }
.section-heading--split > p { color: var(--color-muted); line-height: 1.85; }
.section--ink .section-heading--split > p { color: rgba(255,255,255,.66); }

.program-lines { border-top-color: var(--color-line-dark); }
.program-line {
    min-height: 174px;
    column-gap: 28px;
    padding: 34px 42px 34px 0;
    border-bottom-color: var(--color-line-dark);
}
.program-line:nth-child(odd) { border-right-color: var(--color-line-dark); }
.program-line:nth-child(even) { padding-left: 42px; }
.program-line:hover { padding-inline: 28px; background: #11110f; }
.program-line span { font-family: var(--font-body); font-size: .64rem; font-weight: 600; letter-spacing: .2em; }
.program-line h3 { font-size: clamp(1.7rem, 2.15vw, 2.2rem); font-weight: 400; }
.program-line p { margin-top: 13px; font-size: .76rem; }
.program-line em { letter-spacing: .18em; }

.split--process { grid-template-columns: minmax(300px, .68fr) minmax(0, 1.32fr); gap: clamp(80px, 10vw, 150px); }
.process-intro { top: 132px; }
.process-intro h2 { max-width: 10ch; }
.process-row { grid-template-columns: 48px 1fr; gap: 26px; padding: 38px 0; }
.process-row > span { color: var(--color-gold-dark); font-family: var(--font-body); font-size: .62rem; font-weight: 600; letter-spacing: .18em; }
.process-row h3 { font-size: 1.65rem; font-weight: 400; }
.process-row p { max-width: 62ch; font-size: .88rem; line-height: 1.8; }

.cinematic-break {
    min-height: 760px;
    display: grid;
    grid-template-columns: 44% 56%;
    align-items: center;
    background: var(--color-ink);
}
.cinematic-break > img { position: absolute; inset: 0 auto 0 0; width: 52%; object-position: center; }
.cinematic-break__overlay { background: var(--overlay-image); }
.cinematic-break__content { grid-column: 2; max-width: 650px; margin: 0 7vw 0 11vw; }
.cinematic-break .eyebrow::after { background: rgba(227,185,76,.72); }
.cinematic-break h2 { max-width: 11ch; font-size: clamp(3.25rem, 5vw, 5rem); }
.cinematic-break p:not(.eyebrow) { color: rgba(255,255,255,.72); line-height: 1.85; }

.resource-layout { grid-template-columns: 1.36fr .64fr; gap: 0; border-top: 1px solid var(--color-line); border-bottom: 1px solid var(--color-line); }
.resource-feature { min-height: 610px; background: var(--color-ink); }
.resource-feature > div { padding: clamp(48px, 6vw, 84px); }
.resource-feature img { aspect-ratio: 3.2/1; }
.resource-secondary { min-height: 610px; padding: clamp(48px, 5vw, 72px); border-width: 0 1px 0 0; box-shadow: none; }
.resource-secondary:hover { transform: none; box-shadow: inset 0 4px 0 var(--color-gold); }

.insight-grid { grid-template-columns: 1.2fr .9fr .9fr; }
.insight-card { min-height: 430px; padding: 50px 40px; }
.insight-card h3 { font-size: 1.85rem; font-weight: 400; }
.article-meta { font-size: .61rem; font-weight: 600; letter-spacing: .18em; }

.faq-item summary { min-height: 104px; grid-template-columns: 44px 1fr; font-size: 1.38rem; font-weight: 400; }
.faq-item summary span { color: var(--color-gold-dark); font-family: var(--font-body); font-size: .6rem; font-weight: 600; letter-spacing: .16em; }
.faq-answer { padding-bottom: 38px; }

.conversion-section { color: var(--color-white); background: var(--color-ink); }
.conversion-section h2, .conversion-section .lead { color: var(--color-white); }
.conversion-section .eyebrow { color: rgba(255,255,255,.68); }
.conversion-section .eyebrow::after { content: ""; display: block; width: 92px; height: 1px; margin-top: 22px; background: var(--color-gold); }
.conversion-section .contact-lines { border-top-color: var(--color-line-dark); }
.conversion-section .contact-lines a { border-bottom-color: var(--color-line-dark); color: rgba(255,255,255,.82); }
.conversion-section .contact-lines span { color: rgba(255,255,255,.5); }
.conversion-section .form-panel { padding: 20px 0 20px clamp(48px, 7vw, 96px); background: transparent; border-left: 1px solid var(--color-line-dark); box-shadow: none; }

.inner-hero {
    padding: calc(var(--header-height) + 132px) 0 132px;
    background: var(--color-ink);
}
.inner-hero::before { content: ""; position: absolute; left: 0; top: calc(var(--header-height) + 94px); width: 11vw; height: 1px; background: var(--color-gold); }
.inner-hero::after { width: 34vw; height: 1px; right: 0; bottom: 78px; border: 0; border-radius: 0; background: var(--color-line-dark); }
.inner-hero__grid { grid-template-columns: minmax(0, 1.18fr) minmax(320px, .58fr); gap: clamp(70px, 10vw, 150px); }
.inner-hero h1 { max-width: 13ch; font-size: clamp(3.8rem, 6vw, 6.25rem); font-weight: 400; line-height: 1.07; }
.inner-hero__lead { max-width: 48ch; color: rgba(255,255,255,.7); font-size: 1rem; line-height: 1.85; }
.inner-hero--article h1 { max-width: 14ch; }
.inner-hero__meta { font-size: .63rem; letter-spacing: .16em; }
.inner-hero--va { background: linear-gradient(90deg, rgba(8,8,8,.97), rgba(8,8,8,.64)), url('../images/va-hero.png') center/cover; }

.about-portrait > p { padding: 20px 24px; background: var(--color-ink); font-size: .62rem; letter-spacing: .18em; }
.credential-list > div { padding: 22px 0; }
.credential-list span { font-size: .62rem; letter-spacing: .16em; }
.credential-list strong { font-weight: 500; }
.value-row { padding-block: 44px; }
.value-row span, .program-hub-row > span, .benefit-line span, .area-row span { font-family: var(--font-body); font-size: .62rem; font-weight: 600; letter-spacing: .18em; }
.program-hub-row { padding-block: 42px; }
.program-hub-row h3 { font-weight: 400; }
.benefit-line { min-height: 158px; }
.benefit-line p { font-size: 1.35rem; font-weight: 400; }

.calculator-shell { border-color: var(--color-line); box-shadow: none; }
.calculator-selector__heading { min-height: 112px; padding: 30px 34px; background: var(--color-ink); }
.calculator-selector__heading > p:last-child { font-size: .72rem; }
.calculator-nav button { min-height: 144px; padding: 25px 20px 22px; font-size: .64rem; font-weight: 500; letter-spacing: .1em; }
.calculator-nav__copy > span { font-family: var(--font-body); font-size: .58rem; font-weight: 600; letter-spacing: .14em; }
.calculator-nav button::after { height: 2px; }
.calculator-nav button[aria-selected="true"] { background: var(--color-ink); }
.calculator-stage { padding: clamp(48px, 6vw, 82px); }
.calculator-panel h2 { font-weight: 400; }
.mortgage-payment-copy > strong,
.mortgage-metrics strong,
.calc-result strong { font-weight: 400; }

.form-panel { box-shadow: none; }
.field label { font-size: .63rem; font-weight: 600; letter-spacing: .15em; }
.field input, .field select, .field textarea { min-height: 58px; padding: 15px 16px; }
.form-panel--light { background: var(--color-paper); }

.download-grid > a { min-height: 400px; padding: 46px 36px; }
.download-grid span { font-family: var(--font-body); font-size: .62rem; font-weight: 600; letter-spacing: .18em; }
.download-grid h3 { margin-top: 44px; font-weight: 400; }
.article-row { padding-block: 44px; }
.article-row h2, .article-row h3 { font-size: 1.65rem; font-weight: 400; }

.site-footer { padding: 126px 0 38px; background: var(--color-ink); }
.footer-intro { padding-bottom: 86px; }
.footer-intro h2 { max-width: 11ch; font-weight: 400; }
.footer-grid { grid-template-columns: 1.45fr .62fr .72fr 1fr; gap: 62px; padding-block: 78px; }
.footer-label { color: rgba(255,255,255,.58); font-size: .6rem; font-weight: 600; letter-spacing: .2em; }
.footer-grid > div:not(.footer-brand) > a { padding: 9px 0; font-size: .76rem; }
.footer-legal { font-size: .59rem; line-height: 1.7; }
.footer-disclaimer { font-size: .63rem; }

.reveal { transform: translateY(28px); transition-duration: 760ms; }

@media (max-width: 1180px) {
    .site-header__inner { grid-template-columns: auto 1fr; gap: 24px; }
    .header-actions { display: none; }
    .menu-button { justify-self: end; }
    .menu-button { min-width: 82px; min-height: 48px; border-color: rgba(255,255,255,.35); font-weight: 500; letter-spacing: .16em; }
    .hero-credential { display: none; }
    .home-hero__content { display: flex; }
    .trust-band__grid > div:nth-child(-n+2) { border-bottom-color: var(--color-line); }
    .footer-grid { grid-template-columns: 1.35fr 1fr 1fr; }
}

@media (max-width: 900px) {
    .container, .container--wide { width: min(calc(100% - 48px), var(--container)); }
    .section { padding-block: 108px; }
    .split, .section-heading--split, .inner-hero__grid { grid-template-columns: 1fr; }
    .home-hero__content { padding-top: calc(var(--header-height) + 60px); padding-bottom: 90px; }
    .home-hero h1 { font-size: clamp(4rem, 11vw, 6rem); }
    .trust-band__grid > div { min-height: 160px; }
    .split--intro { gap: 70px; }
    .portrait-composition { margin-left: 0; }
    .portrait-composition p { right: -24px; }
    .section-heading--split { gap: 42px; }
    .cinematic-break { min-height: 0; display: block; padding-top: min(66vw, 560px); }
    .cinematic-break > img { width: 100%; height: min(66vw, 560px); }
    .cinematic-break__overlay { background: linear-gradient(180deg, rgba(8,8,8,.03) 0%, #080808 48%); }
    .cinematic-break__content { max-width: none; margin: 0; padding: 92px 48px 104px; }
    .resource-layout { grid-template-columns: 1fr; }
    .resource-secondary { min-height: 420px; border-width: 0 1px 0; }
    .conversion-section .form-panel { padding: 58px 0 0; border-left: 0; border-top: 1px solid var(--color-line-dark); }
    .inner-hero { padding-top: calc(var(--header-height) + 110px); padding-bottom: 110px; }
    .inner-hero__grid { gap: 48px; }
    .inner-hero::before { width: 18vw; }
    .inner-hero h1 { max-width: 14ch; }
    .calculator-nav button { min-height: 126px; }
    .insight-grid { grid-template-columns: 1fr 1fr; }
    .insight-card:first-child { grid-column: 1 / -1; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
    :root { --header-height: 86px; }
    body { font-size: 15px; }
    .container, .container--wide { width: min(calc(100% - 32px), var(--container)); }
    .section { padding-block: 86px; }
    h1 { font-size: clamp(3rem, 13vw, 4.2rem); }
    h2 { font-size: clamp(2.45rem, 11vw, 3.55rem); }
    .site-header { height: var(--header-height); }
    .site-header__inner { gap: 14px; }
    .site-header .brand { min-width: 0; }
    .site-header .brand__lockup { width: min(263px, calc(100vw - 112px)); }
    .menu-button { min-width: 66px; min-height: 44px; font-size: .62rem; }
    .home-hero__media :is(img, video) { object-position: 61% center; }
    .home-hero__content { min-height: 100dvh; padding: calc(var(--header-height) + 58px) 0 66px; }
    .home-hero .eyebrow { margin-bottom: 24px; font-size: .62rem; line-height: 1.55; }
    .home-hero .eyebrow::after { width: 70px; margin-top: 18px; }
    .home-hero h1 { max-width: 9ch; font-size: clamp(3.35rem, 15vw, 4.4rem); line-height: 1.04; }
    .hero-lead { max-width: 34ch; margin-top: 24px; font-size: .93rem; line-height: 1.72; }
    .home-hero .button-row { gap: 10px; margin-top: 32px; }
    .home-hero .button { width: 100%; min-width: 0; }
    .trust-band__grid > div { min-height: 132px; padding: 28px 24px; }
    .trust-band strong { font-size: 1.25rem; }
    .intro-section::after { display: none; }
    .portrait-composition { padding-bottom: 0; }
    .portrait-composition__backdrop { inset: 30px -16px -16px 28px; }
    .portrait-composition p { position: relative; right: auto; bottom: auto; width: calc(100% - 20px); margin: -22px 0 0 20px; }
    .program-line { min-height: 150px; padding-block: 30px; }
    .program-line:hover { padding-inline: 0; }
    .process-row { padding-block: 30px; }
    .cinematic-break { padding-top: 96vw; }
    .cinematic-break > img { height: 96vw; }
    .cinematic-break__content { padding: 78px 20px 86px; }
    .resource-feature { min-height: 560px; }
    .resource-secondary { min-height: 390px; }
    .insight-card { min-height: 340px; padding: 38px 26px; }
    .insight-grid, .footer-grid { grid-template-columns: 1fr; }
    .insight-card:first-child { grid-column: auto; }
    .faq-item summary { min-height: 92px; font-size: 1.2rem; }
    .conversion-section .form-panel { padding-top: 46px; }
    .inner-hero { padding-top: calc(var(--header-height) + 88px); padding-bottom: 86px; }
    .inner-hero::before { top: calc(var(--header-height) + 58px); width: 24vw; }
    .inner-hero::after { bottom: 48px; width: 44vw; }
    .inner-hero h1 { font-size: clamp(3rem, 13vw, 4.35rem); }
    .inner-hero__lead { font-size: .92rem; }
    .calculator-selector__heading { padding: 28px 20px; }
    .calculator-stage { padding: 52px 18px 72px; }
    .site-footer { padding-top: 94px; }
    .footer-intro { padding-bottom: 64px; }
    .footer-grid { padding-block: 62px; }
}

@media (prefers-reduced-motion: reduce) {
    .home-hero__video { display: none; }
}

/* Final hero image layer: keep this after the editorial shorthand resets above. */
.inner-hero {
    background-color: var(--color-ink);
    background-image: linear-gradient(90deg, rgba(6,6,6,.93) 0%, rgba(6,6,6,.78) 47%, rgba(6,6,6,.42) 100%), url('../images/hero-homeownership.webp');
    background-position: center;
    background-size: cover;
}
.inner-hero--loan-programs,
.inner-hero--purchase,
.inner-hero--refinance,
.inner-hero--refinancing,
.inner-hero--conventional-loans,
.inner-hero--fha-loans,
.inner-hero--jumbo-loans,
.inner-hero--usda-loans,
.inner-hero--adjustable-rate-mortgages,
.inner-hero--15-year-fixed-rate,
.inner-hero--30-year-fixed-rate,
.inner-hero--investment-property-loans,
.inner-hero--dscr-loans,
.inner-hero--heloc,
.inner-hero--specialty-financing {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94) 0%, rgba(6,6,6,.76) 48%, rgba(6,6,6,.35) 100%), url('../images/hero-loans.webp');
}
.inner-hero--va {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94) 0%, rgba(6,6,6,.7) 52%, rgba(6,6,6,.3) 100%), url('../images/va-hero.png');
}
.inner-hero--calculators,
.inner-hero--mortgage-calculator {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-calculators.webp');
}
.inner-hero--resources,
.inner-hero--privacy-policy,
.inner-hero--terms-and-conditions,
.inner-hero--article {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-resources.webp');
}
.inner-hero--webinars,
.inner-hero--webinar {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.56)), url('../images/hero-webinars.webp');
}
.inner-hero--apply-online,
.inner-hero--get-your-quote,
.inner-hero--book-appointment,
.inner-hero--contact,
.inner-hero--contact-us {
    background-image: linear-gradient(90deg, rgba(6,6,6,.94), rgba(6,6,6,.68)), url('../images/hero-contact.webp');
}
.inner-hero--about,
.inner-hero--team {
    background-image: linear-gradient(90deg, rgba(6,6,6,.96), rgba(6,6,6,.65)), url('../images/gin-santesteban.jpg');
    background-position: center 32%;
}

@media (max-width: 900px) {
    .inner-hero { background-position: 60% center; }
}

@media (max-width: 640px) {
    .inner-hero { background-position: 62% center; }
    .inner-hero--about,
    .inner-hero--team { background-position: 62% center; }
    main .container,
    main .container--wide,
    .site-footer .container,
    .site-footer .container--wide {
        width: calc(100% - 64px);
        margin-right: 16px;
        margin-left: 48px;
    }
}

/* August 2026 homepage and navigation follow-up */
.desktop-nav { gap: 20px; }
.nav-group > button { gap: 8px; }
.nav-caret {
    width: 10px;
    height: 6px;
    flex: 0 0 auto;
    fill: none;
    stroke: currentColor;
    stroke-width: 1.4;
    stroke-linecap: round;
    stroke-linejoin: round;
    opacity: .72;
    transition: transform 260ms ease, opacity 260ms ease;
}
.nav-group > button:hover .nav-caret,
.nav-group > button[aria-expanded="true"] .nav-caret { opacity: 1; }
.nav-group > button[aria-expanded="true"] .nav-caret { transform: rotate(180deg); }
.nav-mega { top: calc(var(--header-height) - 1px); }
.site-header.is-scrolled .nav-mega { top: 85px; }
.nav-group:hover .nav-caret { opacity: 1; transform: rotate(180deg); }
.nav-group:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translate(-50%, 0); }

.sticky-calendar {
    position: fixed;
    z-index: 960;
    right: 24px;
    bottom: 24px;
    min-height: 58px;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 13px 20px;
    color: var(--color-ink);
    background: var(--color-gold);
    border: 1px solid rgba(255,255,255,.36);
    box-shadow: 0 16px 42px rgba(0,0,0,.28);
    font-size: .64rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    transition: color var(--transition), background var(--transition), transform var(--transition), box-shadow var(--transition);
}
.sticky-calendar svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.sticky-calendar:hover,
.sticky-calendar:focus-visible { color: var(--color-white); background: var(--color-ink); transform: translateY(-3px); box-shadow: 0 20px 50px rgba(0,0,0,.34); }

.program-line:hover,
.program-line:focus-visible {
    color: var(--color-ink);
    background: var(--color-gold);
    box-shadow: inset 0 0 0 1px rgba(255,255,255,.22);
}
.program-line:hover span,
.program-line:hover h3,
.program-line:hover em,
.program-line:focus-visible span,
.program-line:focus-visible h3,
.program-line:focus-visible em { color: var(--color-ink); }
.program-line:hover p,
.program-line:focus-visible p { color: rgba(8,8,8,.72); }

.resources-preview { padding-bottom: clamp(64px, 5vw, 80px); color: var(--color-white); background: var(--color-ink); overflow: hidden; }
.resources-preview + .video-library { padding-top: clamp(64px, 5vw, 80px); }
.video-library { padding-bottom: clamp(64px, 5vw, 80px); }
.video-library + .media-dialog + .program-preview { padding-top: clamp(64px, 5vw, 80px); }
.resource-desk__heading {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(320px, .55fr);
    gap: clamp(64px, 9vw, 132px);
    align-items: end;
    margin-bottom: clamp(58px, 7vw, 92px);
}
.resource-desk__heading h2 { max-width: 12ch; color: var(--color-white); font-weight: 400; }
.resource-desk__heading > div:last-child { color: rgba(255,255,255,.68); }
.resource-desk__heading > div:last-child p { line-height: 1.85; }
.resource-desk__heading .text-link { color: var(--color-white); border-color: var(--color-gold); }
.resource-desk {
    display: grid;
    grid-template-columns: minmax(0, 1.18fr) minmax(380px, .82fr);
    gap: 12px;
    min-height: 760px;
}
.resource-desk__stack { display: grid; grid-template-rows: 1fr 1fr; gap: 12px; }
.resource-desk__card {
    position: relative;
    min-height: 374px;
    display: block;
    overflow: hidden;
    isolation: isolate;
    background: #171715;
    border: 1px solid rgba(255,255,255,.14);
}
.resource-desk__card::before {
    content: "";
    position: absolute;
    z-index: 3;
    inset: 0;
    pointer-events: none;
    border: 1px solid transparent;
    transition: border-color var(--transition), box-shadow var(--transition);
}
.resource-desk__card::after {
    content: "";
    position: absolute;
    z-index: 1;
    inset: 0;
    background: linear-gradient(180deg, rgba(5,5,5,.08) 10%, rgba(5,5,5,.9) 88%);
    transition: background var(--transition);
}
.resource-desk__card--feature { min-height: 760px; }
.resource-desk__card > img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    filter: saturate(.72) contrast(1.04);
    transition: transform 720ms cubic-bezier(.16,1,.3,1), filter var(--transition);
}
.resource-desk__content { position: absolute; z-index: 2; inset: auto clamp(28px, 4vw, 58px) clamp(30px, 4vw, 58px); }
.resource-desk__number { display: block; margin-bottom: 18px; color: rgba(255,255,255,.68); font-size: .59rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; }
.resource-desk__card h3 { max-width: 15ch; margin-bottom: 18px; color: var(--color-white); font-size: clamp(1.7rem, 3vw, 3.35rem); font-weight: 400; line-height: 1.08; }
.resource-desk__stack .resource-desk__card h3 { max-width: 21ch; font-size: clamp(1.55rem, 2.05vw, 2.35rem); }
.resource-desk__card p { max-width: 54ch; color: rgba(255,255,255,.74); font-size: .9rem; }
.resource-desk__card strong { display: inline-flex; align-items: center; gap: 12px; margin-top: 10px; padding-top: 14px; color: var(--color-white); border-top: 1px solid rgba(255,255,255,.38); font-size: .62rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; }
.resource-desk__card strong i { color: var(--color-gold); font-family: var(--font-body); font-size: 1rem; font-style: normal; transition: transform var(--transition); }
.resource-desk__card:hover::before,
.resource-desk__card:focus-visible::before { border-color: var(--color-gold); box-shadow: inset 0 -7px 0 var(--color-gold); }
.resource-desk__card:hover::after,
.resource-desk__card:focus-visible::after { background: linear-gradient(180deg, rgba(5,5,5,.02) 4%, rgba(5,5,5,.82) 84%); }
.resource-desk__card:hover > img,
.resource-desk__card:focus-visible > img { transform: scale(1.045); filter: saturate(.92) contrast(1.04); }
.resource-desk__card:hover strong i,
.resource-desk__card:focus-visible strong i { transform: translate(3px, -2px); }

@media (max-width: 1260px) {
    .site-header__inner { grid-template-columns: auto 1fr; gap: 24px; }
    .desktop-nav,
    .header-actions { display: none; }
    .menu-button { display: inline-flex; justify-self: end; align-items: center; justify-content: center; }
}

@media (max-width: 900px) {
    .resource-desk__heading { grid-template-columns: 1fr; gap: 34px; }
    .resource-desk { grid-template-columns: 1fr; min-height: 0; }
    .resource-desk__card--feature { min-height: 620px; }
    .resource-desk__stack { grid-template-columns: 1fr 1fr; grid-template-rows: none; }
    .resource-desk__stack .resource-desk__card { min-height: 430px; }
}

@media (max-width: 640px) {
    .sticky-calendar { right: 14px; bottom: 14px; width: 58px; min-height: 58px; justify-content: center; padding: 0; border-radius: 50%; }
    .sticky-calendar span { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
    .resource-desk__heading { margin-bottom: 48px; }
    .resource-desk__stack { grid-template-columns: 1fr; }
    .resource-desk__card--feature { min-height: 570px; }
    .resource-desk__stack .resource-desk__card { min-height: 390px; }
    .resource-desk__content { inset-inline: 24px; bottom: 28px; }
    .resource-desk__card h3,
    .resource-desk__stack .resource-desk__card h3 { font-size: clamp(1.7rem, 8.8vw, 2.45rem); }
}

/* First-time homebuyer flyer showcase */
.flyer-showcase {
    position: relative;
    padding-block: clamp(92px, 9vw, 144px);
    overflow: hidden;
    background: var(--color-paper);
}
.flyer-showcase__heading {
    display: grid;
    grid-template-columns: minmax(0, 1.12fr) minmax(320px, .58fr);
    gap: clamp(56px, 9vw, 136px);
    align-items: end;
    margin-bottom: clamp(52px, 6vw, 86px);
}
.flyer-showcase__heading h2 { max-width: 20ch; margin-bottom: 0; font-weight: 400; text-wrap: balance; }
.flyer-showcase__intro > p { max-width: 48ch; margin-bottom: 28px; color: var(--color-muted); line-height: 1.85; }
.flyer-lightbox__controls { display: flex; flex-wrap: wrap; gap: 8px; }
.flyer-lightbox__controls button {
    min-height: 44px;
    padding: 11px 17px;
    color: var(--color-text);
    background: transparent;
    border: 1px solid var(--color-line);
    font-size: .59rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
    cursor: pointer;
    transition: color var(--transition), background var(--transition), border-color var(--transition);
}
.flyer-carousel-shell { position: relative; }
.flyer-carousel__control {
    position: absolute;
    z-index: 8;
    top: 50%;
    min-width: 96px;
    min-height: 50px;
    padding: 12px 16px;
    color: var(--color-white);
    background: rgba(8,8,8,.9);
    border: 1px solid rgba(255,255,255,.25);
    font-size: .57rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
    cursor: pointer;
    box-shadow: 0 14px 38px rgba(8,8,8,.24);
    transform: translateY(-50%);
    transition: color var(--transition), background var(--transition), border-color var(--transition), transform var(--transition);
}
.flyer-carousel__control--prev { left: clamp(12px, 2.4vw, 40px); }
.flyer-carousel__control--next { right: clamp(12px, 2.4vw, 40px); }
.flyer-carousel__control:hover,
.flyer-carousel__control:focus-visible { color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); transform: translateY(-50%) scale(1.04); }
.flyer-carousel { width: 100%; padding: 6px 0 12px; overflow: hidden; touch-action: pan-y; cursor: grab; }
.flyer-carousel.is-dragging { cursor: grabbing; user-select: none; }
.flyer-carousel.is-dragging .flyer-card { pointer-events: none; }
.flyer-carousel__track { display: flex; width: max-content; will-change: transform; }
.flyer-carousel__set { display: flex; gap: 18px; padding-right: 18px; }
.flyer-card {
    --flyer-accent: var(--color-gold);
    position: relative;
    width: clamp(300px, 28vw, 420px);
    aspect-ratio: .78;
    flex: 0 0 auto;
    padding: 0;
    overflow: hidden;
    isolation: isolate;
    color: var(--color-white);
    text-align: left;
    background: #0a0a0a;
    border: 1px solid rgba(8,8,8,.18);
    cursor: pointer;
    box-shadow: 0 18px 48px rgba(8,8,8,.12);
    transition: transform 520ms cubic-bezier(.16,1,.3,1), box-shadow var(--transition);
}
.flyer-card--mountain { --flyer-accent: #a9c0c8; }
.flyer-card--blue { --flyer-accent: #73aeb4; }
.flyer-card--sunset { --flyer-accent: #d69b62; }
.flyer-card--coast { --flyer-accent: #8cb7aa; }
.flyer-card::before {
    content: "";
    position: absolute;
    z-index: -1;
    inset: 0;
    background:
        linear-gradient(145deg, color-mix(in srgb, var(--flyer-accent) 28%, #080808) 0%, #0a0a0a 52%),
        #0a0a0a;
}
.flyer-card::after {
    content: "";
    position: absolute;
    z-index: 2;
    inset: 0;
    pointer-events: none;
    border: 1px solid transparent;
    box-shadow: inset 0 -7px 0 transparent;
    transition: border-color var(--transition), box-shadow var(--transition);
}
.flyer-card__edition,
.flyer-card__marker { position: absolute; z-index: 1; top: 26px; }
.flyer-card__edition { left: 28px; color: rgba(255,255,255,.65); font-size: .57rem; font-weight: 600; letter-spacing: .16em; }
.flyer-card__marker {
    right: 28px;
    max-width: 58%;
    color: var(--flyer-accent);
    font-family: var(--font-display);
    font-size: clamp(1.2rem, 2.1vw, 2.2rem);
    font-weight: 400;
    line-height: 1;
    text-align: right;
    white-space: nowrap;
}
.flyer-card__portrait {
    position: absolute;
    z-index: 0;
    top: 72px;
    right: -3%;
    width: 79%;
    height: 62%;
    overflow: hidden;
    border-left: 1px solid color-mix(in srgb, var(--flyer-accent) 70%, transparent);
}
.flyer-card__portrait::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 46%, #0a0a0a 100%); }
.flyer-card__portrait img { width: 100%; height: 100%; object-fit: cover; object-position: center 24%; filter: saturate(.78) contrast(1.02); transition: transform 800ms cubic-bezier(.16,1,.3,1), filter var(--transition); }
.flyer-card__copy {
    position: absolute;
    z-index: 3;
    inset: auto 28px 30px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}
.flyer-card__label { margin-bottom: 14px; color: var(--flyer-accent); font-size: .58rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; }
.flyer-card__copy strong { max-width: 12ch; color: var(--color-white); font-family: var(--font-display); font-size: clamp(1.75rem, 2.8vw, 2.8rem); font-weight: 400; line-height: 1.04; }
.flyer-card__copy small { max-width: 36ch; margin-top: 14px; color: rgba(255,255,255,.67); font-size: .67rem; line-height: 1.65; }
.flyer-card__action { margin-top: 22px; padding-top: 12px; color: var(--color-white); border-top: 1px solid color-mix(in srgb, var(--flyer-accent) 72%, transparent); font-size: .57rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase; }
.flyer-card:hover,
.flyer-card:focus-visible { z-index: 4; transform: translateY(-5px); box-shadow: 0 28px 74px rgba(8,8,8,.24); }
.flyer-card:hover::after,
.flyer-card:focus-visible::after { border-color: var(--flyer-accent); box-shadow: inset 0 -7px 0 var(--flyer-accent); }
.flyer-card:hover .flyer-card__portrait img,
.flyer-card:focus-visible .flyer-card__portrait img { transform: scale(1.045); filter: saturate(.94) contrast(1.04); }
.flyer-showcase__note { max-width: 92ch; margin: 34px 0 0; color: var(--color-muted); font-size: .59rem; line-height: 1.75; }

.flyer-lightbox {
    width: 100vw;
    max-width: none;
    height: 100dvh;
    max-height: none;
    display: flex;
    flex-direction: column;
    margin: 0;
    padding: 0;
    color: var(--color-white);
    background: #080808;
    border: 0;
    overflow: hidden;
}
.flyer-lightbox:not([open]) { display: none; }
.flyer-lightbox::backdrop { background: #080808; }
.flyer-lightbox__bar {
    min-height: 92px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    padding: 16px clamp(22px, 4vw, 62px);
    border-bottom: 1px solid rgba(255,255,255,.15);
    background: rgba(8,8,8,.96);
}
.flyer-lightbox__bar p { margin: 0 0 3px; color: var(--color-gold); font-size: .55rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; }
.flyer-lightbox__bar h2 { margin: 0; color: var(--color-white); font-size: clamp(1.2rem, 2vw, 1.8rem); font-weight: 400; }
.flyer-lightbox__controls { justify-content: flex-end; flex-shrink: 0; }
.flyer-lightbox__book {
    min-height: 44px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 11px 17px;
    color: var(--color-ink);
    background: var(--color-gold);
    border: 1px solid var(--color-gold);
    font-size: .59rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    transition: color var(--transition), background var(--transition), border-color var(--transition);
}
.flyer-lightbox__book:hover,
.flyer-lightbox__book:focus-visible { color: var(--color-white); background: var(--color-gold-dark); border-color: var(--color-gold-dark); }
.flyer-lightbox__controls button { color: var(--color-white); border-color: rgba(255,255,255,.24); }
.flyer-lightbox__controls button:hover,
.flyer-lightbox__controls button:focus-visible { color: var(--color-ink); background: var(--color-gold); border-color: var(--color-gold); }
.flyer-lightbox__stage { min-height: 0; flex: 1; display: grid; place-items: center; padding: 20px; overflow: hidden; }
.flyer-lightbox__stage img { display: block; width: auto; max-width: calc(100vw - 40px); height: calc(100dvh - 132px); max-height: none; object-fit: contain; box-shadow: 0 20px 70px rgba(0,0,0,.52); }

@media (max-width: 900px) {
    .flyer-showcase__heading { grid-template-columns: 1fr; gap: 30px; }
    .flyer-card { width: clamp(290px, 54vw, 390px); }
}

@media (max-width: 640px) {
    .flyer-showcase { padding-block: 84px; }
    .flyer-showcase__heading { margin-bottom: 44px; }
    .flyer-showcase__heading h2 { font-size: clamp(1.6rem, 6.4vw, 2.6rem); letter-spacing: -.04em; }
    .flyer-carousel__control { top: -54px; min-width: 76px; min-height: 44px; padding: 10px 12px; font-size: .5rem; transform: none; }
    .flyer-carousel__control--prev { left: 18px; }
    .flyer-carousel__control--next { right: 18px; }
    .flyer-carousel__control:hover,
    .flyer-carousel__control:focus-visible { transform: scale(1.04); }
    .flyer-card { width: min(78vw, 330px); }
    .flyer-card__copy { inset-inline: 24px; bottom: 26px; }
    .flyer-lightbox__bar { min-height: 0; display: grid; grid-template-columns: 1fr; gap: 10px; align-items: start; padding: 12px 16px; }
    .flyer-lightbox__bar > div:first-child { min-width: 0; padding-top: 0; }
    .flyer-lightbox__bar h2 { max-width: none; overflow: hidden; font-size: 1rem; text-overflow: ellipsis; white-space: nowrap; }
    .flyer-lightbox__controls { width: 100%; max-width: none; display: grid; grid-template-columns: minmax(0, 1.45fr) repeat(3, auto); gap: 5px; }
    .flyer-lightbox__book { min-height: 38px; padding: 8px 10px; font-size: .51rem; white-space: nowrap; }
    .flyer-lightbox__controls button { min-height: 38px; padding: 8px 10px; font-size: .51rem; }
    .flyer-lightbox__controls button:last-child { width: auto; }
    .flyer-lightbox__stage { display: block; padding: 0; overflow: auto; }
    .flyer-lightbox__stage img { width: 100%; max-width: none; height: auto; max-height: none; box-shadow: none; }
}

@media (prefers-reduced-motion: reduce) {
    .flyer-carousel { overflow-x: auto; scrollbar-width: thin; }
}