:root {
  --midnight: #071a2d;
  --navy: #0b2238;
  --soft-navy: #102f4a;
  --blue-ink: #173b58;
  --gold: #e3ad3a;
  --gold-bright: #f6cf6a;
  --gold-shadow: #8a6528;
  --ivory: #f6ead2;
  --warm-white: #fffaf0;
  --sand: #d8c7a3;
  --slate: #4e5a66;
  --ink: #172332;
  --line: rgba(201, 154, 61, 0.32);
  --shadow: none;
  --max: 1240px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html,
body {
  max-width: 100%;
  overflow-x: hidden;
}

body {
  margin: 0;
  background: var(--midnight);
  color: var(--ivory);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  letter-spacing: 0;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

[hidden] {
  display: none !important;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration-color: rgba(226, 185, 95, 0.55);
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--gold-bright);
}

button,
input,
select,
textarea {
  font: inherit;
}

:focus-visible {
  outline: 3px solid #0b2238;
  outline-offset: 3px;
  box-shadow: 0 0 0 6px #fffaf0;
}

.skip-link {
  position: absolute;
  top: 12px;
  left: 12px;
  z-index: 1000;
  transform: translateY(-180%);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--midnight);
  padding: 0.75rem 1rem;
  font-weight: 700;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  border-bottom: 1px solid rgba(201, 154, 61, 0.18);
  background: rgba(7, 26, 45, 0.68);
  backdrop-filter: blur(18px);
  transition: background 180ms ease, box-shadow 180ms ease;
}

.site-header.is-scrolled,
body.nav-open .site-header {
  background: rgba(7, 26, 45, 0.96);
  box-shadow: 0 14px 40px rgba(0, 0, 0, 0.18);
}

.header-shell {
  width: min(var(--max), calc(100% - 48px));
  min-height: 88px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.brand-link {
  display: inline-flex;
  align-items: center;
  min-width: 210px;
  text-decoration: none;
}

.brand-link img {
  width: 250px;
  height: auto;
  filter: drop-shadow(0 8px 18px rgba(0, 0, 0, 0.16));
}

.mortgage-trend-pill {
  --trend-accent: var(--gold-bright);
  --trend-bg: rgba(255, 251, 244, 0.08);
  --trend-border: rgba(226, 185, 95, 0.28);
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: 0.42rem;
  min-height: 42px;
  max-width: 188px;
  border: 1px solid var(--trend-border);
  border-radius: 8px;
  background: var(--trend-bg);
  color: rgba(255, 251, 244, 0.9);
  padding: 0.34rem 0.55rem;
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.12);
}

.mortgage-trend-pill[data-trend="down"] {
  --trend-accent: #69d291;
  --trend-bg: rgba(105, 210, 145, 0.12);
  --trend-border: rgba(105, 210, 145, 0.34);
}

.mortgage-trend-pill[data-trend="up"] {
  --trend-accent: #f07060;
  --trend-bg: rgba(240, 112, 96, 0.12);
  --trend-border: rgba(240, 112, 96, 0.34);
}

.mortgage-trend-pill[data-trend="flat"] {
  --trend-accent: #d8c7a3;
}

.mortgage-trend-pill[data-intensity="fast"] {
  box-shadow: 0 0 0 1px color-mix(in srgb, var(--trend-accent) 30%, transparent), 0 12px 30px rgba(0, 0, 0, 0.16);
}

.mortgage-trend-line {
  width: 34px;
  height: 18px;
  color: var(--trend-accent);
}

.mortgage-trend-line polyline {
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 3;
}

.mortgage-trend-arrow {
  color: var(--trend-accent);
  font-size: 1rem;
  font-weight: 900;
  line-height: 1;
}

.mortgage-trend-copy {
  display: grid;
  min-width: 0;
  line-height: 1.05;
}

.mortgage-trend-copy strong,
.mortgage-trend-copy small {
  display: block;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.mortgage-trend-copy strong {
  color: var(--trend-accent);
  font-size: 0.7rem;
  font-weight: 900;
}

.mortgage-trend-copy small {
  color: rgba(255, 251, 244, 0.7);
  font-size: 0.75rem;
  font-weight: 700;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.75rem;
  flex: 1;
}

.nav-links {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.55rem;
}

.nav-group {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  color: rgba(255, 251, 244, 0.84);
  font-size: 0.8rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

.nav-link::after {
  content: "";
  position: absolute;
  right: 0;
  bottom: 3px;
  left: 0;
  height: 1px;
  transform: scaleX(0);
  transform-origin: center;
  background: var(--gold-bright);
  transition: transform 180ms ease;
}

.nav-link:hover::after,
.nav-link.is-active::after {
  transform: scaleX(1);
}

.nav-link.is-active {
  color: var(--gold-bright);
}

.nav-parent::before {
  content: "";
  position: absolute;
  right: 0.05rem;
  top: 50%;
  width: 0.38rem;
  height: 0.38rem;
  border-right: 1px solid currentColor;
  border-bottom: 1px solid currentColor;
  transform: translateY(-62%) rotate(45deg);
  opacity: 0.8;
}

.nav-parent {
  padding-right: 0.9rem;
}

.nav-menu {
  position: absolute;
  top: calc(100% + 0.3rem);
  left: 50%;
  min-width: 210px;
  transform: translateX(-50%) translateY(6px);
  visibility: hidden;
  opacity: 0;
  display: grid;
  gap: 0.1rem;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.98);
  padding: 0.55rem;
  box-shadow: 0 24px 58px rgba(0, 0, 0, 0.28);
  transition: opacity 160ms ease, transform 160ms ease, visibility 160ms ease;
}

.nav-group:hover .nav-menu,
.nav-group:focus-within .nav-menu {
  visibility: visible;
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

@media (min-width: 1181px) {
  .nav-group[data-dismissed] .nav-menu {
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    transition: none;
  }
}

.nav-menu-link {
  border-radius: 6px;
  color: rgba(255, 251, 244, 0.84);
  font-size: 0.86rem;
  font-weight: 650;
  line-height: 1.25;
  padding: 0.72rem 0.78rem;
  text-decoration: none;
  white-space: nowrap;
}

.nav-menu-link:hover,
.nav-menu-link.is-active {
  background: rgba(226, 185, 95, 0.12);
  color: var(--gold-bright);
}

.nav-actions,
.hero-actions,
.cta-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.nav-actions {
  flex-wrap: nowrap;
}

.nav-actions .button {
  white-space: nowrap;
}

.nav-options {
  min-height: 42px;
  padding-inline: 0.92rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 0.78rem 1.05rem;
  font-size: 0.92rem;
  font-weight: 700;
  line-height: 1.1;
  text-decoration: none;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, border-color 180ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  background: linear-gradient(180deg, var(--gold-bright), var(--gold));
  color: #081929;
  box-shadow: 0 12px 28px rgba(201, 154, 61, 0.28);
}

.button-primary:hover {
  color: #081929;
  box-shadow: 0 16px 34px rgba(201, 154, 61, 0.36);
}

.button-outline {
  border-color: rgba(201, 154, 61, 0.68);
  background: rgba(255, 251, 244, 0.78);
  color: var(--midnight);
}

.button-outline:hover {
  border-color: var(--gold);
  background: #fff2d8;
  color: var(--midnight);
  box-shadow: 0 12px 28px rgba(138, 101, 40, 0.12);
}

.button-outline-light {
  border-color: rgba(226, 185, 95, 0.72);
  background: rgba(255, 255, 255, 0.04);
  color: var(--ivory);
}

.button-outline-light:hover {
  border-color: var(--gold-bright);
  background: rgba(226, 185, 95, 0.11);
  color: var(--ivory);
}

.button-cream {
  background: var(--warm-white);
  color: var(--midnight);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.18);
}

.button-cream:hover {
  color: var(--midnight);
}

.mobile-menu-button {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(226, 185, 95, 0.46);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.04);
  color: var(--ivory);
  cursor: pointer;
}

.mobile-menu-button span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--gold-bright);
  transition: transform 180ms ease, opacity 180ms ease;
}

body.nav-open .mobile-menu-button span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

body.nav-open .mobile-menu-button span:nth-child(2) {
  opacity: 0;
}

body.nav-open .mobile-menu-button span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.hero,
.page-hero {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(7, 26, 45, 0.98), rgba(11, 34, 56, 0.96) 48%, rgba(16, 47, 74, 0.96)),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.06) 0 1px, transparent 1px 96px);
}

.hero::before,
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(180deg, rgba(255, 251, 244, 0.04), transparent 38%),
    linear-gradient(90deg, transparent, rgba(201, 154, 61, 0.08), transparent);
}

.hero-shell {
  position: relative;
  width: min(var(--max), calc(100% - 48px));
  min-height: 720px;
  margin: 0 auto;
  padding: 152px 0 80px;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(340px, 0.82fr);
  align-items: center;
  gap: 4rem;
}

.hero-copy {
  max-width: 720px;
  min-width: 0;
}

.eyebrow {
  margin: 0 0 0.9rem;
  color: var(--gold-bright);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1,
h2,
h3,
blockquote {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: 0;
  overflow-wrap: break-word;
}

h1 {
  margin: 0;
  color: var(--warm-white);
  font-size: 4.65rem;
  line-height: 0.98;
}

.hero-lede,
.page-hero p {
  max-width: 660px;
  margin: 1.35rem 0 0;
  color: rgba(247, 241, 231, 0.86);
  font-size: 1.08rem;
}

.hero-actions {
  margin-top: 2rem;
}

.hero-compliance {
  max-width: 660px;
  margin-top: 1.15rem;
}

.compliance-note {
  color: rgba(247, 241, 231, 0.74);
  font-size: 0.82rem;
  line-height: 1.55;
}

.hero-visual {
  justify-self: center;
  width: min(100%, 425px);
  max-width: 100%;
}

.portrait-arch,
.portrait-panel {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  border: 0;
  border-radius: 0;
  padding: 0;
  background: transparent;
  box-shadow: none;
}

.portrait-arch img,
.portrait-panel img {
  width: 100%;
  border-radius: 0;
  filter: drop-shadow(0 22px 58px rgba(0, 0, 0, 0.28));
}

.hero-credentials {
  margin: 1rem auto 0;
  padding: 1rem 1.1rem;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.52);
  text-align: center;
}

.hero-credentials p {
  margin: 0.15rem 0;
  color: var(--ivory);
}

.hero-credentials p:first-child {
  color: var(--gold-bright);
  font-family: var(--font-display);
  font-size: 1.7rem;
  line-height: 1.1;
}

.page-hero-shell {
  position: relative;
  width: min(var(--max), calc(100% - 48px));
  min-height: 470px;
  margin: 0 auto;
  padding: 150px 0 72px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  align-items: center;
  gap: 3rem;
}

.page-hero h1 {
  max-width: 780px;
  font-size: 4rem;
}

.page-hero-mark {
  justify-self: end;
  max-width: 100%;
  opacity: 0.55;
  text-align: center;
}

.page-hero-mark img {
  max-height: 220px;
  object-fit: contain;
}

.page-hero-portrait {
  justify-self: center;
  opacity: 1;
  width: min(100%, 300px);
  max-width: 300px;
}

.page-hero-portrait img {
  width: 100%;
  max-height: none;
  border: 0;
  border-radius: 0;
  box-shadow: none;
  filter: drop-shadow(0 18px 46px rgba(0, 0, 0, 0.25));
}

.trust-bar {
  border-top: 1px solid rgba(226, 185, 95, 0.2);
  border-bottom: 1px solid rgba(226, 185, 95, 0.16);
  background: rgba(7, 26, 45, 0.94);
}

.trust-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 0.82rem 0;
  display: flex;
  justify-content: center;
  gap: 0.8rem 1.05rem;
  flex-wrap: wrap;
}

.trust-shell span {
  display: inline-flex;
  min-height: 0;
  align-items: center;
  color: rgba(247, 241, 231, 0.78);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.trust-shell span::before {
  content: "";
  width: 0.32rem;
  height: 0.32rem;
  margin-right: 0.55rem;
  transform: rotate(45deg);
  background: var(--gold);
}

.trust-shell span:first-child::before {
  display: none;
}

.section {
  padding: 92px 0;
  background: var(--warm-white);
  color: var(--ink);
}

.section-cream {
  background: var(--ivory);
}

.section-navy {
  background:
    linear-gradient(135deg, var(--midnight), var(--navy) 56%, var(--soft-navy)),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.05) 0 1px, transparent 1px 110px);
  color: var(--ivory);
}

.section-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

.narrow-shell {
  max-width: 860px;
}

.section-intro {
  max-width: 780px;
  margin: 0 auto 3rem;
  text-align: center;
}

.section-intro-left {
  margin-inline: 0;
  text-align: left;
}

.section-intro h2,
.split-copy h2,
.cta-band h2 {
  margin: 0;
  color: var(--midnight);
  font-size: 3rem;
  line-height: 1.05;
}

.section-navy .section-intro h2,
.section-navy .split-copy h2,
.cta-band h2 {
  color: var(--warm-white);
}

.section-intro p,
.split-copy p,
.legal-block p,
.legal-block li {
  color: var(--slate);
  font-size: 1rem;
}

.section-navy .section-intro p,
.section-navy .split-copy p {
  color: rgba(247, 241, 231, 0.78);
}

.section:not(.section-navy) .compliance-note {
  color: #5f6872;
}

.card-grid,
.resource-grid,
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.card-grid-count-3 {
  width: 100%;
  max-width: 980px;
  margin-inline: auto;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.info-card,
.resource-card,
.testimonial-card,
.cost-list-panel,
.quote-panel,
.contact-cards article,
.contact-form,
.legal-block {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.78);
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.info-card,
.resource-card,
.testimonial-card {
  padding: 1.35rem;
}

.info-card-link {
  display: block;
  color: inherit;
  text-decoration: none;
}

.info-card-link:hover {
  transform: translateY(-2px);
  border-color: rgba(201, 154, 61, 0.5);
  color: inherit;
}

.section-navy .info-card,
.section-navy .resource-card,
.section-navy .testimonial-card,
.section-navy .cost-list-panel,
.section-navy .quote-panel {
  background: rgba(255, 251, 244, 0.06);
  border-color: rgba(226, 185, 95, 0.28);
  box-shadow: 0 24px 62px rgba(0, 0, 0, 0.16);
}

.info-card h3,
.resource-card h3,
.cost-list-panel h3,
.quote-panel p {
  margin: 0 0 0.75rem;
  color: var(--midnight);
  font-size: 1.55rem;
  line-height: 1.08;
}

.section-navy .info-card h3,
.section-navy .resource-card h3,
.section-navy .cost-list-panel h3,
.section-navy .quote-panel p {
  color: var(--warm-white);
}

.info-card p,
.resource-card p,
.testimonial-card p,
.cost-list-panel p {
  margin: 0;
  color: var(--slate);
}

.info-card .button {
  margin-top: 1.15rem;
}

.section-navy .info-card p,
.section-navy .resource-card p,
.section-navy .cost-list-panel p {
  color: rgba(247, 241, 231, 0.76);
}

.card-link-text {
  display: inline-flex;
  margin-top: 1rem;
  color: var(--gold-shadow);
  font-size: 0.82rem;
  font-weight: 800;
}

.section-navy .card-link-text {
  color: var(--gold-bright);
}

.card-kicker {
  margin: 0 0 0.65rem;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.section-navy .card-kicker {
  color: var(--gold-bright);
}

.visual-story-section {
  overflow: hidden;
}

.visual-story-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.visual-story-count-3 {
  width: min(100%, calc(75% - 0.25rem));
  margin-inline: auto;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.visual-story-card {
  overflow: hidden;
  margin: 0;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.88);
  box-shadow: 0 18px 48px rgba(23, 35, 50, 0.09);
}

.visual-story-card img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  object-position: var(--story-focus, 50% 50%);
}

.visual-story-card figcaption {
  padding: 1rem;
}

.visual-story-card figcaption span {
  display: block;
  margin-bottom: 0.45rem;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  line-height: 1.08;
}

.visual-story-card figcaption p {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.55;
}

.options-visual-section {
  padding-bottom: 58px;
}

.strategy-visual-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.strategy-visual-card {
  overflow: hidden;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.07);
  box-shadow: 0 24px 62px rgba(0, 0, 0, 0.16);
  padding: 1.25rem;
}

.strategy-visual-card h3 {
  margin: 1.05rem 0 0.65rem;
  color: var(--warm-white);
  font-size: 1.55rem;
  line-height: 1.08;
}

.strategy-visual-card p {
  margin: 0;
  color: rgba(247, 241, 231, 0.78);
}

.mini-diagram {
  position: relative;
  min-height: 150px;
  display: grid;
  gap: 0.55rem;
  margin: 0.6rem 0 0;
  border: 1px solid rgba(226, 185, 95, 0.16);
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(255, 251, 244, 0.08), rgba(226, 185, 95, 0.04)),
    rgba(7, 26, 45, 0.24);
  padding: 1rem;
}

.mini-diagram span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 32px;
  border: 1px solid rgba(226, 185, 95, 0.34);
  border-radius: 999px;
  background: rgba(255, 251, 244, 0.09);
  color: var(--warm-white);
  font-size: 0.78rem;
  font-weight: 850;
  line-height: 1.2;
  padding: 0.35rem 0.6rem;
  text-align: center;
}

.strategy-visual-stack .mini-diagram {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-content: center;
}

.strategy-visual-stack .mini-diagram span {
  border-radius: 8px;
}

.strategy-visual-orbit .mini-diagram {
  grid-template-columns: repeat(6, 1fr);
  grid-template-rows: repeat(3, minmax(32px, auto));
  align-items: center;
}

.strategy-visual-orbit .mini-diagram span {
  min-width: 0;
}

.strategy-visual-orbit .mini-diagram span:nth-child(1) {
  grid-column: 1 / 4;
}

.strategy-visual-orbit .mini-diagram span:nth-child(2) {
  grid-column: 4 / 7;
}

.strategy-visual-orbit .mini-diagram span:nth-child(3) {
  grid-column: 2 / 6;
  border-color: rgba(226, 185, 95, 0.72);
  background: rgba(226, 185, 95, 0.16);
  color: var(--gold-bright);
}

.strategy-visual-orbit .mini-diagram span:nth-child(4) {
  grid-column: 1 / 3;
}

.strategy-visual-orbit .mini-diagram span:nth-child(5) {
  grid-column: 3 / 5;
}

.strategy-visual-orbit .mini-diagram span:nth-child(6) {
  grid-column: 5 / 7;
}

.strategy-visual-branches .mini-diagram {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-content: center;
}

.strategy-visual-branches .mini-diagram span:nth-child(odd) {
  border-radius: 8px;
  background: rgba(226, 185, 95, 0.14);
  color: var(--gold-bright);
}

.comparison-table {
  overflow: hidden;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.36);
  box-shadow: var(--shadow);
}

.comparison-row {
  display: grid;
  grid-template-columns: 0.85fr 1fr 1.2fr 1.1fr;
}

.comparison-row > div {
  min-height: 76px;
  border-right: 1px solid rgba(226, 185, 95, 0.16);
  border-bottom: 1px solid rgba(226, 185, 95, 0.16);
  padding: 1rem;
  color: rgba(247, 241, 231, 0.84);
}

.comparison-row > div:last-child {
  border-right: 0;
}

.comparison-head > div {
  min-height: auto;
  background: rgba(226, 185, 95, 0.12);
  color: var(--gold-bright);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.comparison-highlight > div {
  background: rgba(226, 185, 95, 0.08);
  color: var(--warm-white);
  font-weight: 600;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  counter-reset: timeline;
}

.timeline-item {
  position: relative;
  min-height: 230px;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  padding: 1.35rem;
  background: #fff7eb;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.07);
}

.timeline-item span {
  display: inline-flex;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  border: 1px solid rgba(201, 154, 61, 0.5);
  border-radius: 50%;
  color: var(--gold-shadow);
  font-weight: 800;
}

.timeline-item h3 {
  margin: 0 0 0.55rem;
  color: var(--midnight);
  font-size: 1.45rem;
  line-height: 1.08;
}

.timeline-item p {
  margin: 0;
  color: var(--slate);
}

.split-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.98fr) minmax(320px, 0.82fr);
  align-items: center;
  gap: 3rem;
}

.feature-reverse .split-shell {
  grid-template-columns: minmax(320px, 0.82fr) minmax(0, 0.98fr);
}

.feature-reverse .split-copy {
  order: 2;
}

.feature-reverse .split-panel {
  order: 1;
}

.split-copy h2 {
  margin-bottom: 1rem;
}

.split-copy,
.split-panel,
.section-intro,
.comparison-row > div,
.timeline-item,
.info-card,
.resource-card,
.testimonial-card,
.cost-list-panel,
.quote-panel,
.contact-form {
  min-width: 0;
}

.split-copy .button {
  margin-top: 1.1rem;
}

.split-panel {
  justify-self: center;
}

.quote-panel {
  position: relative;
  overflow: hidden;
  padding: 2rem;
  background: linear-gradient(135deg, var(--midnight), var(--soft-navy));
  color: var(--ivory);
}

.quote-panel img {
  width: 230px;
  margin: 0 auto 1.25rem;
  opacity: 0.72;
}

.quote-panel p {
  margin: 0;
  color: var(--warm-white);
  font-size: 2rem;
  line-height: 1.12;
  text-align: center;
}

.check-list,
.gold-list {
  list-style: none;
  margin: 1.35rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.65rem;
}

.check-list.two-column {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.check-list li,
.gold-list li {
  position: relative;
  padding-left: 1.35rem;
  color: var(--slate);
}

.section-navy .check-list li,
.section-navy .gold-list li {
  color: rgba(247, 241, 231, 0.82);
}

.check-list li::before,
.gold-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 7px;
  height: 7px;
  transform: rotate(45deg);
  background: var(--gold);
}

.cost-list-panel {
  padding: 2rem;
  background: rgba(255, 251, 244, 0.08);
}

.light-panel {
  background: #fff7eb;
}

.testimonials-section {
  position: relative;
}

.testimonial-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.page-reviews .testimonial-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.testimonial-card {
  margin: 0;
  background: var(--warm-white);
}

.testimonial-card-featured {
  border-color: rgba(201, 154, 61, 0.42);
  background:
    linear-gradient(135deg, rgba(255, 248, 237, 0.96), rgba(255, 251, 244, 0.78)),
    var(--warm-white);
}

.page-reviews .testimonial-card-featured {
  grid-column: span 2;
}

.testimonial-card blockquote {
  margin: 0 0 1rem;
  color: var(--midnight);
  font-size: 1.5rem;
  line-height: 1.18;
}

.testimonial-card figcaption {
  color: var(--gold-shadow);
  font-weight: 800;
}

.review-source-grid {
  margin-top: 1rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.review-source-card {
  display: block;
  border: 1px solid rgba(201, 154, 61, 0.28);
  border-radius: 8px;
  padding: 1.25rem;
  background: rgba(255, 251, 244, 0.78);
  color: var(--ink);
  text-decoration: none;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.review-source-card:hover {
  border-color: rgba(201, 154, 61, 0.58);
  color: var(--ink);
}

.review-source-card span {
  display: block;
  margin-bottom: 0.35rem;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.review-source-card strong {
  display: block;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.5rem;
  line-height: 1.08;
}

.review-source-card p {
  margin: 0.65rem 0 0;
  color: var(--slate);
}

.review-theme-panel {
  margin-top: 2.5rem;
}

.review-theme-panel .section-intro {
  margin-bottom: 1.2rem;
}

.review-public-source-grid {
  margin-top: 1.5rem;
}

.about-preview .portrait-panel {
  justify-self: center;
  max-width: 430px;
}

.about-role-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  max-width: 980px;
  margin: 0 auto;
}

.about-role-grid .info-card {
  text-align: center;
}

.cta-band {
  padding: 78px 0;
  background:
    linear-gradient(135deg, #061628, #0a2035 54%, #143955),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.05) 0 1px, transparent 1px 92px);
  color: var(--ivory);
}

.cta-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 2rem;
}

.cta-shell p {
  max-width: 640px;
  margin: 1rem 0 0;
  color: rgba(247, 241, 231, 0.82);
}

.contact-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(420px, 1fr);
  align-items: start;
  gap: 2rem;
}

.contact-cards {
  display: grid;
  gap: 0.85rem;
  margin: 1.5rem 0;
}

.contact-cards article {
  padding: 1.1rem;
}

.contact-cards p {
  margin: 0 0 0.25rem;
  color: var(--slate);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.contact-cards a {
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 1.12rem;
  font-weight: 700;
  text-decoration-thickness: 1px;
}

.contact-cards span {
  display: block;
  color: var(--slate);
  font-size: 0.95rem;
  font-weight: 650;
  line-height: 1.45;
}

.contact-form {
  display: grid;
  gap: 1rem;
  padding: 1.35rem;
  background: #fff8ed;
}

.hero-context-note {
  display: grid;
  gap: 0.4rem;
  width: 100%;
  margin-bottom: 1rem;
  color: var(--midnight);
  font-weight: 700;
}

.hero-context-note textarea {
  width: 100%;
  min-width: 0;
  padding: 0.75rem;
  border: 1px solid var(--slate);
  background: #fff8ed;
  color: var(--midnight);
  font-weight: 400;
  resize: vertical;
}

.hero-context-note[hidden] {
  display: none;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.contact-form label {
  display: grid;
  gap: 0.38rem;
  color: var(--midnight);
  font-weight: 700;
}

.contact-form [hidden] {
  display: none !important;
}

.contact-form label span {
  font-size: 0.9rem;
}

.conditional-panel {
  display: grid;
  gap: 1rem;
  margin: 0;
  padding: 1rem;
  border: 1px solid rgba(201, 154, 61, 0.34);
  border-radius: 8px;
  background: rgba(247, 241, 231, 0.74);
}

.conditional-panel[hidden] {
  display: none;
}

.conditional-panel legend {
  padding: 0 0.35rem;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.28rem;
  font-weight: 700;
}

.form-helper {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.55;
}

.form-grid-full {
  grid-column: 1 / -1;
}

.contact-form input,
.contact-form select,
.contact-form textarea,
.calculator-card input,
.calculator-card select {
  width: 100%;
  border: 1px solid rgba(23, 35, 50, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--ink);
  padding: 0.82rem 0.9rem;
}

.contact-form textarea {
  resize: vertical;
}

.form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.turnstile-wrap {
  width: 100%;
  min-height: 65px;
}

.turnstile-wrap .cf-turnstile {
  width: 100%;
}

.form-disclaimer {
  margin: 0;
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.55;
}

.form-status {
  min-height: 1.35rem;
  margin: 0;
  color: var(--slate);
  font-size: 0.92rem;
  font-weight: 700;
}

.form-status[data-state="success"] {
  color: #1f6b45;
}

.form-status[data-state="error"] {
  color: #9b2f2f;
}

.form-status[data-state="pending"] {
  color: var(--antique-gold);
}

.contact-form button:disabled {
  cursor: wait;
  opacity: 0.72;
}

.partner-card-grid,
.partner-application-shell {
  display: grid;
  gap: 1rem;
}

.partner-card-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: stretch;
}

.partner-profile-card {
  display: grid;
  grid-template-columns: 150px minmax(0, 1fr);
  gap: 1.25rem;
  align-items: center;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.78);
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
  padding: 1.35rem;
}

.partner-profile-card h2 {
  margin: 0 0 0.75rem;
  color: var(--midnight);
  font-size: 2rem;
  line-height: 1.05;
}

.partner-card-media {
  width: 150px;
  height: 150px;
  overflow: hidden;
  border: 1px solid rgba(201, 154, 61, 0.3);
  border-radius: 8px;
  background: #fff2d8;
}

.partner-card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.partner-avatar-fallback {
  width: 100%;
  height: 100%;
  display: grid;
  place-items: center;
  background:
    linear-gradient(135deg, rgba(7, 26, 45, 0.96), rgba(16, 47, 74, 0.9)),
    #0b2238;
  color: var(--gold-bright);
  font-family: var(--font-display);
  font-size: 3.35rem;
  line-height: 1;
}

.partner-contact-list {
  display: grid;
  gap: 0.58rem;
  margin: 0;
}

.partner-contact-list div {
  display: grid;
  gap: 0.1rem;
}

.partner-contact-list dt {
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.partner-contact-list dd,
.partner-muted {
  margin: 0;
  color: var(--slate);
}

.partner-wolf-card .partner-card-media {
  background: transparent;
}

.partner-application-shell {
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.58fr);
  align-items: center;
}

.partner-application-shell h2 {
  margin: 0;
  color: var(--warm-white);
  font-size: 3rem;
  line-height: 1.05;
}

.partner-application-shell p {
  color: rgba(247, 241, 231, 0.8);
}

.partner-visible-link a {
  color: var(--gold-bright);
  font-weight: 800;
  overflow-wrap: anywhere;
}

.partner-copy-panel {
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.07);
  box-shadow: 0 24px 62px rgba(0, 0, 0, 0.16);
  padding: 1.25rem;
}

.partner-copy-panel span {
  display: block;
  margin-bottom: 0.55rem;
  color: var(--gold-bright);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.partner-copy-panel code {
  display: block;
  overflow-wrap: anywhere;
  border: 1px solid rgba(226, 185, 95, 0.24);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.42);
  color: var(--warm-white);
  font-size: 0.95rem;
  padding: 0.85rem;
}

.partner-copy-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}

.copy-status {
  min-height: 1.3rem;
  margin: 0.75rem 0 0;
  color: rgba(247, 241, 231, 0.78);
  font-size: 0.9rem;
  font-weight: 800;
}

.copy-status[data-state="success"] {
  color: var(--gold-bright);
}

.copy-status[data-state="error"] {
  color: #ffd7d7;
}

.partner-directory-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.partner-referral-section {
  scroll-margin-top: 108px;
}

.partner-portal-actions {
  justify-content: center;
}

.referral-form .form-warning-panel {
  border: 1px solid rgba(201, 154, 61, 0.3);
  border-radius: 8px;
  background: rgba(247, 241, 231, 0.74);
  padding: 1rem;
}

.referral-form .form-warning-panel h3 {
  margin: 0 0 0.45rem;
  color: var(--midnight);
  font-size: 1.35rem;
  line-height: 1.08;
}

.referral-form .form-warning-panel p {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.55;
}

.generic-referral-form {
  gap: 1.1rem;
}

.generic-referral-form .referral-fieldset {
  padding: 1.1rem;
}

.contact-form .checkbox-field {
  grid-template-columns: auto minmax(0, 1fr);
  align-items: start;
  gap: 0.75rem;
  color: var(--slate);
  font-weight: 650;
  line-height: 1.45;
}

.contact-form .checkbox-field input {
  width: auto;
  margin-top: 0.2rem;
}

.contact-form .checkbox-field span {
  font-size: 0.9rem;
}

.resource-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.resource-hub-section {
  scroll-margin-top: 92px;
}

.breadcrumb-section {
  padding: 1rem 0;
  border-bottom: 1px solid rgba(201, 154, 61, 0.14);
  background: var(--warm-white);
}

.breadcrumb-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  align-items: center;
  color: var(--slate);
  font-size: 0.84rem;
  font-weight: 750;
}

.breadcrumb-nav a {
  color: var(--gold-shadow);
  text-decoration: none;
}

.breadcrumb-nav a:hover {
  color: var(--midnight);
}

.breadcrumb-nav span[aria-current="page"] {
  color: var(--midnight);
}

.resource-filter-panel,
.resource-selector {
  border: 1px solid rgba(201, 154, 61, 0.26);
  border-radius: 8px;
  background: #fff8ed;
  box-shadow: 0 18px 52px rgba(23, 35, 50, 0.08);
  margin-bottom: 1.35rem;
  padding: clamp(1rem, 2vw, 1.35rem);
}

.resource-filter-panel {
  display: grid;
  gap: 0.85rem;
}

.resource-search {
  display: grid;
  gap: 0.42rem;
  color: var(--midnight);
  font-size: 0.9rem;
  font-weight: 850;
}

.resource-search input,
.resource-selector select {
  width: 100%;
  border: 1px solid rgba(23, 35, 50, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--ink);
  padding: 0.82rem 0.9rem;
}

.resource-filter-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.46rem;
  align-items: center;
}

.resource-filter-row > span {
  min-width: 78px;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.resource-chip,
.resource-clear {
  min-height: 36px;
  border: 1px solid rgba(201, 154, 61, 0.32);
  border-radius: 999px;
  background: rgba(255, 251, 244, 0.82);
  color: var(--midnight);
  cursor: pointer;
  font-size: 0.82rem;
  font-weight: 850;
  padding: 0.42rem 0.72rem;
}

.resource-chip:hover,
.resource-chip.is-active,
.resource-clear:hover {
  border-color: rgba(201, 154, 61, 0.72);
  background: #fff2d8;
  color: #6f4d15;
}

.resource-clear {
  justify-self: start;
}

.resource-results-meta {
  margin: 0 0 0.85rem;
  color: var(--gold-shadow);
  font-size: 0.82rem;
  font-weight: 850;
}

.resource-card {
  min-height: 230px;
  display: flex;
  flex-direction: column;
}

.resource-card > a {
  margin-top: auto;
  color: var(--gold-shadow);
  font-weight: 800;
}

.resource-card-tags,
.article-aside-note div {
  display: flex;
  flex-wrap: wrap;
  gap: 0.38rem;
  margin: 0.9rem 0 1rem;
}

.resource-tag {
  display: inline-flex;
  align-items: center;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 999px;
  background: #fff2d8;
  color: #6f4d15;
  font-size: 0.7rem;
  font-weight: 850;
  line-height: 1.2;
  padding: 0.28rem 0.48rem;
  text-decoration: none;
}

.resource-tag:hover {
  border-color: rgba(201, 154, 61, 0.62);
  background: #ffe6b9;
  color: var(--midnight);
}

.resource-no-results {
  border: 1px solid rgba(201, 154, 61, 0.26);
  border-radius: 8px;
  background: #fff8ed;
  color: var(--slate);
  margin: 1rem 0 0;
  padding: 1rem;
}

.start-path-grid,
.resource-comparison-grid,
.guide-panel-grid,
.article-link-grid,
.kb-selector-results {
  display: grid;
  gap: 1rem;
}

.start-path-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.start-path-card,
.resource-comparison-card,
.guide-panel,
.kb-selector-result {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.78);
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
  padding: 1.25rem;
}

.start-path-card h3,
.resource-comparison-card h3,
.guide-panel h2,
.kb-selector-heading h3 {
  margin: 0 0 0.65rem;
  color: var(--midnight);
  font-size: 1.55rem;
  line-height: 1.08;
}

.start-path-card p,
.resource-comparison-card dd,
.kb-selector-heading p,
.kb-selector-result span {
  color: var(--slate);
}

.start-path-links,
.article-link-grid {
  display: grid;
  gap: 0.48rem;
  margin-top: 1rem;
}

.start-path-links a,
.article-link-grid a {
  border-top: 1px solid rgba(201, 154, 61, 0.18);
  color: var(--midnight);
  font-weight: 800;
  padding-top: 0.48rem;
  text-decoration: none;
}

.start-path-links a:hover,
.article-link-grid a:hover {
  color: var(--gold-shadow);
}

.resource-comparison-grid {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.compact-comparison-grid {
  grid-template-columns: 1fr;
}

.resource-comparison-card dl {
  display: grid;
  gap: 0.85rem;
  margin: 0;
}

.resource-comparison-card dt {
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.resource-comparison-card dd {
  margin: 0.2rem 0 0;
  font-size: 0.9rem;
  line-height: 1.55;
}

.section-navy .resource-selector {
  background: rgba(255, 251, 244, 0.07);
  border-color: rgba(226, 185, 95, 0.28);
  box-shadow: 0 24px 62px rgba(0, 0, 0, 0.16);
}

.resource-selector {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 0.46fr);
  align-items: start;
  gap: 1rem;
}

.resource-selector-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
}

.resource-selector label {
  display: grid;
  gap: 0.38rem;
  color: var(--warm-white);
  font-size: 0.88rem;
  font-weight: 850;
}

.resource-selector-output {
  border: 1px solid rgba(226, 185, 95, 0.24);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.35);
  padding: 1rem;
}

.kb-selector-heading span {
  display: block;
  color: var(--gold-bright);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.kb-selector-heading h3 {
  color: var(--warm-white);
  margin-top: 0.3rem;
}

.kb-selector-heading p {
  margin: 0 0 0.9rem;
  color: rgba(247, 241, 231, 0.78);
  font-size: 0.9rem;
  line-height: 1.55;
}

.kb-selector-result {
  display: grid;
  gap: 0.32rem;
  background: rgba(255, 251, 244, 0.08);
  color: var(--warm-white);
  text-decoration: none;
}

.kb-selector-result:hover {
  border-color: rgba(226, 185, 95, 0.58);
  color: var(--warm-white);
}

.kb-selector-result strong {
  color: var(--gold-bright);
  font-size: 0.95rem;
}

.kb-selector-result span {
  color: rgba(247, 241, 231, 0.78);
  font-size: 0.86rem;
  line-height: 1.45;
}

.kb-selector-result-strong {
  border-color: rgba(226, 185, 95, 0.46);
  background: rgba(226, 185, 95, 0.12);
}

.kb-selector-result-caution {
  border-color: rgba(226, 185, 95, 0.36);
}

.guide-panel-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 2rem;
}

.article-deep-grid {
  display: grid;
  gap: 1rem;
}

.article-deep-card {
  border: 1px solid rgba(201, 154, 61, 0.2);
  border-radius: 8px;
  background: #fff8ed;
  padding: 1.2rem;
}

.article-deep-card h3 {
  margin: 0 0 0.55rem;
  color: var(--midnight);
  font-size: 1.45rem;
  line-height: 1.08;
}

.article-deep-card p {
  margin: 0 0 0.8rem;
}

.article-decision-visual {
  margin: 1.35rem 0 1.65rem;
  border: 1px solid rgba(201, 154, 61, 0.26);
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(255, 248, 237, 0.94), rgba(255, 251, 244, 0.78)),
    #fff8ed;
  box-shadow: 0 18px 48px rgba(23, 35, 50, 0.07);
  padding: clamp(1rem, 2vw, 1.35rem);
}

.decision-visual-head {
  max-width: 720px;
}

.decision-visual-head h2 {
  margin: 0 0 0.55rem;
}

.decision-visual-head p {
  margin: 0;
  font-size: 0.95rem;
}

.decision-visual-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 1rem;
}

.decision-visual-grid > div {
  min-width: 0;
  border: 1px solid rgba(201, 154, 61, 0.18);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.74);
  padding: 0.85rem;
}

.decision-visual-grid span {
  display: block;
  margin-bottom: 0.45rem;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.decision-visual-grid strong,
.decision-visual-grid em {
  color: var(--midnight);
  font-size: 0.92rem;
  font-style: normal;
  line-height: 1.35;
}

.decision-pill-row,
.decision-related-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.38rem;
}

.decision-related-links {
  display: grid;
}

.decision-related-links a {
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
  line-height: 1.3;
  text-decoration: none;
}

.decision-related-links a:hover {
  color: var(--gold-shadow);
}

.guide-panel {
  background: #fff8ed;
}

.guide-panel h2 {
  font-size: 1.75rem;
}

.article-link-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.source-link-grid a {
  overflow-wrap: anywhere;
}

.article-aside-note {
  border-top: 1px solid rgba(201, 154, 61, 0.18);
  padding-top: 0.8rem;
}

.article-aside-note p {
  margin: 0;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.options-section {
  background:
    linear-gradient(180deg, rgba(255, 251, 244, 0.96), rgba(247, 241, 231, 0.84)),
    var(--ivory);
}

.options-section {
  scroll-margin-top: 92px;
}

.options-primer {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
  margin-bottom: 1.1rem;
}

.options-primer article {
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(201, 154, 61, 0.42);
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(11, 34, 56, 0.98), rgba(7, 26, 45, 0.92)),
    #0b2238;
  box-shadow: 0 18px 44px rgba(7, 26, 45, 0.12);
  padding: 1rem;
}

.options-primer article::after {
  content: "";
  position: absolute;
  right: 1rem;
  bottom: 1rem;
  left: 1rem;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(226, 185, 95, 0.6), transparent);
}

.options-primer span {
  display: inline-grid;
  place-items: center;
  width: 2.7rem;
  height: 2.7rem;
  border: 1px solid rgba(226, 185, 95, 0.72);
  border-radius: 50%;
  background: #fff2d8;
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 900;
  letter-spacing: 0;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.18);
}

.options-primer h2 {
  margin: 0.75rem 0 0.42rem;
  color: #fffbf4;
  font-family: var(--font-body);
  font-size: 0.95rem;
  line-height: 1.25;
}

.options-primer p {
  margin: 0;
  color: rgba(255, 251, 244, 0.84);
  font-size: 0.86rem;
  line-height: 1.5;
}

.options-finder,
.options-workspace,
.options-builder,
.options-advisor {
  min-width: 0;
}

.options-progress {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.5rem;
  margin: 0 0 1rem;
  padding: 0;
  list-style: none;
}

.options-progress li {
  border: 1px solid rgba(201, 154, 61, 0.2);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.72);
  color: var(--slate);
  overflow: hidden;
}

.options-progress button {
  display: block;
  width: 100%;
  height: 100%;
  border: 0;
  background: transparent;
  padding: 0.78rem 0.9rem;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
}

.options-progress li.is-active,
.options-progress li.is-complete {
  border-color: rgba(201, 154, 61, 0.5);
  background: #fff2d8;
}

.options-progress li.is-active {
  box-shadow: 0 12px 30px rgba(138, 101, 40, 0.12);
}

.options-progress span {
  display: block;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.options-progress strong {
  display: block;
  margin-top: 0.2rem;
  color: var(--midnight);
  font-size: 0.85rem;
}

.options-finder.is-paginated .options-page[hidden] {
  display: none;
}

.options-finder.is-paginated .options-page.is-active {
  animation: options-page-in 260ms ease both;
}

@keyframes options-page-in {
  from {
    opacity: 0;
    transform: translateY(10px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  .options-finder.is-paginated .options-page.is-active {
    animation: none;
  }
}

.options-workspace {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.46fr);
  align-items: start;
  gap: 1.2rem;
}

.options-builder,
.options-advisor {
  display: grid;
  gap: 1rem;
}

.options-advisor {
  position: sticky;
  top: 104px;
}

.options-panel,
.options-advisor-card,
.options-shortcuts,
.options-submit-card {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: #fff8ed;
  box-shadow: 0 18px 52px rgba(23, 35, 50, 0.08);
  padding: clamp(1.1rem, 2.4vw, 1.65rem);
}

.options-page-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.15rem;
}

.options-page-actions .button {
  min-width: 160px;
}

.options-reassurance-note {
  max-width: 620px;
  margin-top: 1.1rem;
  border-top: 1px solid rgba(201, 154, 61, 0.24);
  padding-top: 0.95rem;
}

.options-reassurance-note h3 {
  margin: 0 0 0.3rem;
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1.25;
  text-transform: uppercase;
}

.options-reassurance-note p {
  margin: 0;
  color: #5f6872;
  font-size: 0.9rem;
  line-height: 1.6;
}

.options-panel .button-outline,
.options-shortcuts .button-outline,
.options-submit-card .button-outline {
  border-color: rgba(201, 154, 61, 0.58);
  background: rgba(255, 251, 244, 0.82);
  color: #071a2d;
}

.options-panel .button-outline:hover,
.options-shortcuts .button-outline:hover,
.options-submit-card .button-outline:hover {
  border-color: rgba(201, 154, 61, 0.86);
  background: #fff2d8;
  color: #071a2d;
  box-shadow: 0 12px 28px rgba(138, 101, 40, 0.12);
}

.options-panel h2,
.options-advisor-card h2,
.options-shortcuts h2,
.options-submit-card h2 {
  margin: 0 0 0.8rem;
  color: var(--midnight);
  font-size: 2rem;
  line-height: 1.04;
}

.options-helper,
.options-advisor-card p,
.options-shortcuts p,
.options-submit-card p {
  color: var(--slate);
}

.options-why,
.options-detail-summary {
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.7);
  margin: 0.95rem 0;
  padding: 0.95rem;
}

.options-why h3,
.options-detail-summary h3 {
  margin: 0 0 0.45rem;
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.options-why ul {
  display: grid;
  gap: 0.32rem;
  margin: 0;
  padding-left: 1.1rem;
  color: var(--slate);
  font-size: 0.9rem;
}

.options-why li::marker {
  color: var(--gold-shadow);
}

.options-detail-summary p {
  margin: 0 0 0.7rem;
  color: var(--slate);
}

.options-known {
  display: flex;
  flex-wrap: wrap;
  gap: 0.42rem;
  margin-bottom: 0.65rem;
}

.options-known span {
  border: 1px solid rgba(201, 154, 61, 0.28);
  border-radius: 999px;
  background: #fff2d8;
  color: #071a2d;
  padding: 0.34rem 0.55rem;
  font-size: 0.78rem;
  font-weight: 800;
}

.options-detail-summary small {
  color: var(--gold-shadow);
  font-weight: 800;
}

.options-route-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 1rem;
}

.options-route-cards article {
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  background: var(--warm-white);
  padding: 1rem;
}

.options-route-cards span {
  display: block;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.options-route-cards strong {
  display: block;
  margin: 0.45rem 0 0.35rem;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.55rem;
  line-height: 1.03;
}

.options-route-cards p {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.5;
}

.option-choice-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.option-choice {
  cursor: pointer;
}

.option-choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.option-choice span {
  display: grid;
  min-height: 126px;
  align-content: start;
  gap: 0.48rem;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  padding: 1rem;
  background: var(--warm-white);
  transition:
    border-color 160ms ease,
    box-shadow 160ms ease,
    transform 160ms ease,
    background 160ms ease;
}

.option-choice strong {
  color: var(--midnight);
  font-size: 1rem;
}

.option-choice em {
  color: var(--slate);
  font-size: 0.88rem;
  font-style: normal;
  line-height: 1.45;
}

.option-choice input:checked + span,
.option-choice:focus-within span {
  border-color: rgba(201, 154, 61, 0.72);
  background: #fff2d8;
  box-shadow: 0 12px 30px rgba(138, 101, 40, 0.12);
}

.option-choice:hover span {
  transform: translateY(-1px);
}

.options-fields,
.options-contact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
}

.options-fields label,
.options-contact-grid label {
  display: grid;
  gap: 0.38rem;
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
}

.options-field {
  border: 1px solid transparent;
  border-radius: 8px;
  margin: -0.22rem;
  padding: 0.22rem;
  transition:
    border-color 160ms ease,
    background 160ms ease;
}

.options-field.is-recommended {
  border-color: rgba(201, 154, 61, 0.28);
  background: rgba(226, 185, 95, 0.08);
}

.options-field.is-recommended > span {
  color: var(--gold-shadow);
}

.options-fields input,
.options-fields select,
.options-contact-grid input,
.options-contact-grid select {
  width: 100%;
  border: 1px solid rgba(23, 35, 50, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--ink);
  padding: 0.82rem 0.9rem;
}

.options-split-input {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 76px;
  gap: 0.45rem;
}

.options-split-input select {
  text-align: center;
  font-weight: 850;
}

.options-subfields {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.options-subfields legend {
  grid-column: 1 / -1;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
}

.options-subfields p {
  grid-column: 1 / -1;
  margin: -0.2rem 0 0;
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.45;
}

.option-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  margin: 0.9rem 0 1rem;
}

.option-tags span {
  border: 1px solid rgba(201, 154, 61, 0.28);
  border-radius: 999px;
  padding: 0.36rem 0.55rem;
  background: rgba(255, 251, 244, 0.74);
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 850;
}

.option-confidence {
  display: grid;
  gap: 0.2rem;
  border: 1px solid rgba(201, 154, 61, 0.2);
  border-radius: 8px;
  margin-top: 0.85rem;
  padding: 0.78rem 0.85rem;
  background: rgba(255, 251, 244, 0.72);
}

.option-confidence strong {
  color: var(--midnight);
  font-size: 0.9rem;
}

.option-confidence span {
  color: var(--slate);
  font-size: 0.86rem;
  line-height: 1.45;
}

.option-confidence-strong {
  border-color: rgba(31, 107, 69, 0.25);
  background: rgba(31, 107, 69, 0.08);
}

.option-confidence-caution {
  border-color: rgba(201, 154, 61, 0.38);
  background: rgba(226, 185, 95, 0.14);
}

.option-snapshot {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.5rem;
  margin: 0 0 0.8rem;
}

.option-metric {
  border: 1px solid rgba(201, 154, 61, 0.18);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.74);
  padding: 0.72rem;
}

.option-metric span,
.option-metric em {
  display: block;
  color: var(--slate);
  font-size: 0.75rem;
  font-style: normal;
  line-height: 1.35;
}

.option-metric strong {
  display: block;
  margin: 0.18rem 0;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.32rem;
  line-height: 1;
}

.option-metric-strong {
  border-color: rgba(31, 107, 69, 0.26);
  background: rgba(31, 107, 69, 0.07);
}

.option-metric-caution {
  border-color: rgba(201, 154, 61, 0.36);
  background: rgba(226, 185, 95, 0.13);
}

.option-insights {
  display: grid;
  gap: 0.65rem;
}

.option-insight,
.option-missing,
.option-next-step,
.option-action-links,
.option-conversation {
  border: 1px solid rgba(201, 154, 61, 0.2);
  border-radius: 8px;
  padding: 0.88rem;
  background: rgba(255, 251, 244, 0.7);
}

.option-insight-strong {
  border-color: rgba(31, 107, 69, 0.28);
  background: rgba(31, 107, 69, 0.08);
}

.option-insight-caution,
.option-insight-urgent {
  border-color: rgba(201, 154, 61, 0.42);
  background: rgba(226, 185, 95, 0.14);
}

.option-insight h3,
.option-missing h3,
.option-next-step h3,
.option-action-links h3,
.option-conversation h3 {
  margin: 0 0 0.38rem;
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.option-insight p,
.option-next-step p {
  margin: 0;
  color: var(--slate);
  font-size: 0.92rem;
  line-height: 1.5;
}

.option-missing,
.option-next-step,
.option-action-links,
.option-conversation {
  margin-top: 0.75rem;
}

.option-missing ul,
.option-conversation ul {
  display: grid;
  gap: 0.35rem;
  margin: 0;
  padding-left: 1.1rem;
  color: var(--slate);
  font-size: 0.9rem;
}

.option-missing li::marker,
.option-conversation li::marker {
  color: var(--gold-shadow);
}

.option-action-links {
  display: grid;
  gap: 0.55rem;
}

.option-action-links h3 {
  margin-bottom: 0.1rem;
}

.option-action {
  display: grid;
  gap: 0.16rem;
  border: 1px solid rgba(201, 154, 61, 0.2);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.78);
  padding: 0.72rem 0.78rem;
  text-decoration: none;
  transition:
    transform 160ms ease,
    border-color 160ms ease,
    box-shadow 160ms ease;
}

.option-action:hover {
  border-color: rgba(201, 154, 61, 0.48);
  box-shadow: 0 10px 24px rgba(138, 101, 40, 0.12);
  transform: translateY(-1px);
}

.option-action strong {
  color: var(--midnight);
  font-size: 0.9rem;
}

.option-action span {
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.42;
}

.option-action-primary {
  border-color: rgba(201, 154, 61, 0.52);
  background: #fff2d8;
}

.option-action-apply {
  border-color: rgba(31, 107, 69, 0.24);
  background: rgba(31, 107, 69, 0.07);
}

.options-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 0.9rem;
}

.subnav {
  display: flex;
  gap: 0.55rem;
  flex-wrap: wrap;
  align-items: center;
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  background: rgba(255, 248, 237, 0.72);
  padding: 0.65rem;
}

.subnav a {
  border-radius: 6px;
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
  line-height: 1.2;
  padding: 0.58rem 0.72rem;
  text-decoration: none;
}

.subnav a:hover,
.subnav a[aria-current="page"] {
  background: rgba(201, 154, 61, 0.16);
  color: #6f4d15;
}

.section-compact {
  padding: 30px 0 0;
  background: var(--ivory);
}

.calculator-tools-anchor {
  scroll-margin-top: 92px;
}

.calculator-library-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.calculator-detail-shell,
.article-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.42fr);
  align-items: start;
  gap: 1.25rem;
}

.calculator-detail-main .calculator-card {
  box-shadow: 0 20px 58px rgba(23, 35, 50, 0.1);
}

.calculator-explainer,
.article-aside,
.takeaway-panel {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: #fff8ed;
  padding: 1.35rem;
}

.calculator-explainer {
  position: sticky;
  top: 110px;
}

.calculator-explainer h2,
.article-body h2,
.article-aside h2,
.takeaway-panel h2 {
  margin: 0 0 0.7rem;
  color: var(--midnight);
  font-size: 1.85rem;
  line-height: 1.05;
}

.calculator-explainer h3 {
  margin: 1.25rem 0 0.55rem;
  color: var(--midnight);
  font-family: var(--font-body);
  font-size: 0.92rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.calculator-explainer p,
.article-body p,
.article-aside a {
  color: var(--slate);
}

.article-body {
  border: 1px solid rgba(201, 154, 61, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  padding: clamp(1.25rem, 3vw, 2.4rem);
}

.article-meta {
  margin: 0 0 0.8rem;
  color: var(--gold-shadow);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.article-lede {
  margin-top: 0;
  color: var(--ink);
  font-size: 1.15rem;
}

.article-block {
  margin-top: 2rem;
}

.article-block p {
  margin-bottom: 0;
}

.article-aside {
  display: grid;
  gap: 0.55rem;
  position: sticky;
  top: 110px;
}

.article-aside a {
  border-top: 1px solid rgba(201, 154, 61, 0.18);
  padding-top: 0.55rem;
  font-weight: 750;
  text-decoration: none;
}

.article-aside .resource-tag {
  border-top: 1px solid rgba(201, 154, 61, 0.24);
  padding-top: 0.28rem;
}

.article-footer-nav {
  display: grid;
  gap: 1rem;
  margin-top: 2.4rem;
  border-top: 1px solid rgba(201, 154, 61, 0.18);
  padding-top: 1.2rem;
}

.article-footer-links {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
}

.article-footer-links a {
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  background: #fff8ed;
  color: var(--midnight);
  font-weight: 850;
  line-height: 1.25;
  padding: 0.9rem;
  text-decoration: none;
}

.article-footer-links a:hover {
  border-color: rgba(201, 154, 61, 0.58);
  color: var(--gold-shadow);
}

.article-footer-links span {
  display: block;
  margin-bottom: 0.28rem;
  color: var(--gold-shadow);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.calculator-card {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: #fff8ed;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.calculator-card form {
  display: grid;
  gap: 1rem;
  padding: 1.35rem;
}

.calculator-heading h3 {
  margin: 0 0 0.55rem;
  color: var(--midnight);
  font-size: 1.7rem;
  line-height: 1.06;
}

.calculator-heading p {
  margin: 0;
  color: var(--slate);
}

.calculator-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
}

.calculator-fields label {
  display: grid;
  gap: 0.35rem;
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
}

.input-affix {
  position: relative;
}

.input-affix input {
  padding-right: 4.8rem;
}

.input-affix em {
  position: absolute;
  right: 0.85rem;
  top: 50%;
  transform: translateY(-50%);
  color: #46566a;
  font-size: 0.75rem;
  font-style: normal;
  font-weight: 800;
  pointer-events: none;
}

.calculator-result {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.6rem;
}

.calculator-result div {
  min-height: 96px;
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  padding: 0.85rem;
  background: rgba(7, 26, 45, 0.04);
}

.calculator-result span,
.calculator-result small {
  display: block;
  color: var(--slate);
  font-size: 0.76rem;
  font-weight: 800;
  line-height: 1.35;
}

.calculator-result strong {
  display: block;
  margin-top: 0.25rem;
  color: var(--midnight);
  font-size: 1rem;
  line-height: 1.22;
}

.calculator-result small {
  margin-top: 0.35rem;
  font-weight: 600;
}

.calculator-disclaimer {
  margin: 1.25rem 0 0;
  color: #5f6872;
  font-size: 0.8rem;
  line-height: 1.6;
}

.legal-section {
  background:
    linear-gradient(180deg, rgba(255, 251, 244, 0.96), rgba(247, 241, 231, 0.82)),
    var(--ivory);
}

.legal-meta {
  width: fit-content;
  max-width: 100%;
  margin: 0 0 1.25rem;
  border: 1px solid rgba(201, 154, 61, 0.32);
  border-radius: 999px;
  padding: 0.48rem 0.8rem;
  background: rgba(255, 251, 244, 0.82);
  color: var(--gold-shadow);
  font-size: 0.84rem;
  font-weight: 800;
}

.legal-block {
  padding: 1.55rem;
  margin-bottom: 1rem;
  background: #fff8ed;
}

.legal-block h2 {
  margin: 0 0 0.75rem;
  color: var(--midnight);
  font-size: 1.55rem;
  line-height: 1.12;
}

.legal-block p {
  margin: 0;
  line-height: 1.72;
}

.legal-block .legal-license-line {
  font-size: 0.94rem;
  font-weight: 400;
}

.legal-block p + p {
  margin-top: 0.72rem;
}

.legal-block ul {
  display: grid;
  gap: 0.52rem;
  margin: 0.9rem 0 0;
  padding-left: 1.18rem;
}

.legal-block li {
  line-height: 1.62;
  padding-left: 0.14rem;
}

.legal-block li::marker {
  color: var(--gold-shadow);
}

.legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1rem;
}

.legal-links a {
  display: inline-flex;
  align-items: center;
  border: 1px solid rgba(201, 154, 61, 0.35);
  border-radius: 8px;
  padding: 0.58rem 0.78rem;
  color: var(--midnight);
  font-weight: 800;
  text-decoration: none;
}

.legal-links a:hover {
  border-color: rgba(201, 154, 61, 0.72);
  color: var(--gold-shadow);
}

.site-footer {
  border-top: 1px solid rgba(226, 185, 95, 0.24);
  background: #061526;
  color: rgba(247, 241, 231, 0.82);
}

.footer-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 60px 0 38px;
  display: grid;
  grid-template-columns: 1.15fr 1.18fr 0.72fr 0.78fr;
  gap: 2rem;
}

.footer-brand img {
  width: 250px;
  margin-bottom: 1rem;
}

.footer-brand p,
.footer-column p {
  margin: 0.35rem 0;
}

.footer-column h2 {
  margin: 0 0 0.8rem;
  color: var(--gold-bright);
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.footer-column span {
  color: var(--sand);
  font-weight: 700;
}

.footer-contact-line {
  display: flex;
  gap: 0.35rem;
  flex-wrap: wrap;
  align-items: baseline;
}

.footer-nowrap {
  white-space: nowrap;
}

.footer-column a {
  overflow-wrap: anywhere;
}

.footer-column .footer-nowrap {
  overflow-wrap: normal;
}

.equal-housing {
  color: var(--sand);
  font-weight: 700;
}

.footer-license-line {
  color: rgba(247, 241, 231, 0.78);
  font-weight: 400;
}

.footer-bottom {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  border-top: 1px solid rgba(226, 185, 95, 0.16);
  color: rgba(247, 241, 231, 0.68);
  font-size: 0.85rem;
}

.footer-bottom p {
  margin: 0;
}

.footer-bottom div {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 1180px) {
  .header-shell {
    min-height: 78px;
  }

  .brand-link img {
    width: 210px;
  }

  .mortgage-trend-pill {
    max-width: 178px;
  }

  .mobile-menu-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    flex: 0 0 46px;
  }

  .site-nav {
    position: fixed;
    top: 78px;
    right: 0;
    left: 0;
    z-index: 99;
    display: block;
    visibility: hidden;
    height: calc(100vh - 78px);
    height: calc(100dvh - 78px);
    overflow-y: auto;
    border-bottom: 1px solid rgba(226, 185, 95, 0.24);
    background: linear-gradient(180deg, var(--midnight), var(--navy));
    box-shadow: 0 34px 80px rgba(0, 0, 0, 0.38);
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: opacity 180ms ease, transform 180ms ease, visibility 180ms ease;
  }

  body.nav-open .site-nav {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-links,
  .nav-actions {
    width: min(var(--max), calc(100% - 48px));
    margin: 0 auto;
  }

  .nav-links {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.35rem;
    padding: 1.1rem 0 0.9rem;
  }

  .nav-group {
    display: grid;
    align-items: stretch;
    gap: 0.1rem;
  }

  .nav-link {
    min-height: 44px;
    justify-self: start;
    width: fit-content;
    font-size: 1rem;
  }

  .nav-link::after {
    display: none;
  }

  .nav-parent {
    padding-right: 0;
  }

  .nav-parent::before {
    display: none;
  }

  .nav-menu {
    position: static;
    visibility: inherit;
    opacity: 1;
    min-width: 0;
    transform: none;
    border: 0;
    background: transparent;
    box-shadow: none;
    margin: -0.1rem 0 0.35rem;
    padding: 0 0 0 1rem;
  }

  .nav-menu-link {
    width: fit-content;
    padding: 0.34rem 0;
    color: rgba(255, 251, 244, 0.68);
    font-size: 0.85rem;
  }

  .nav-menu-link:hover,
  .nav-menu-link.is-active {
    background: transparent;
  }

  .nav-actions {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 220px));
    justify-content: start;
    padding: 0 0 1.55rem;
  }

  .nav-actions .button {
    width: 100%;
  }

  .hero-shell,
  .page-hero-shell,
  .split-shell,
  .feature-reverse .split-shell,
  .contact-shell,
  .partner-application-shell,
  .options-workspace,
  .cta-shell {
    grid-template-columns: 1fr;
  }

  .feature-reverse .split-copy,
  .feature-reverse .split-panel {
    order: initial;
  }

  .hero-shell {
    gap: 2.5rem;
    padding-top: 132px;
  }

  .page-hero-shell {
    padding-top: 132px;
  }

  .page-hero-mark {
    justify-self: center;
    opacity: 0.42;
  }

  .page-hero-portrait {
    justify-self: center;
    opacity: 1;
    width: min(100%, 280px);
  }

  .card-grid,
  .loan-grid,
  .page-reviews .testimonial-grid,
  .resource-grid,
  .visual-story-grid,
  .strategy-visual-grid,
  .start-path-grid,
  .resource-comparison-grid,
  .review-source-grid,
  .options-primer,
  .calculator-grid,
  .calculator-library-grid,
  .calculator-detail-shell,
  .options-workspace,
  .resource-selector,
  .resource-selector-fields,
  .decision-visual-grid,
  .guide-panel-grid,
  .article-link-grid,
  .article-footer-links,
  .article-shell {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .visual-story-count-3 {
    width: 100%;
  }

  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-shell {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .header-shell,
  .hero-shell,
  .page-hero-shell,
  .section-shell,
  .cta-shell,
  .trust-shell,
  .footer-shell,
  .footer-bottom,
  .nav-links,
  .nav-actions {
    width: min(var(--max), calc(100% - 32px));
  }

  .brand-link {
    min-width: 0;
  }

  .brand-link img {
    width: 176px;
  }

  .mortgage-trend-pill {
    max-width: 172px;
  }

  .mortgage-trend-line {
    width: 28px;
  }

  h1,
  .page-hero h1 {
    font-size: 2.72rem;
    line-height: 1;
  }

  .hero-shell {
    min-height: auto;
    padding: 118px 0 54px;
  }

  .page-hero-shell {
    min-height: auto;
    padding: 118px 0 54px;
  }

  .hero-lede,
  .page-hero p {
    font-size: 1rem;
  }

  .section {
    padding: 66px 0;
  }

  .section-intro {
    margin-bottom: 2rem;
    text-align: left;
  }

  .section-intro h2,
  .split-copy h2,
  .cta-band h2 {
    font-size: 2.45rem;
  }

  .card-grid,
  .loan-grid,
  .testimonial-grid,
  .page-reviews .testimonial-grid,
  .resource-grid,
  .visual-story-grid,
  .strategy-visual-grid,
  .start-path-grid,
  .resource-comparison-grid,
  .review-source-grid,
  .calculator-library-grid,
  .calculator-detail-shell,
  .options-primer,
  .options-workspace,
  .resource-selector,
  .resource-selector-fields,
  .decision-visual-grid,
  .guide-panel-grid,
  .article-link-grid,
  .option-choice-grid,
  .options-progress,
  .options-route-cards,
  .option-snapshot,
  .options-fields,
  .options-subfields,
  .options-contact-grid,
  .article-shell,
  .calculator-grid,
  .calculator-fields,
  .calculator-result,
  .timeline,
  .form-grid,
  .partner-card-grid,
  .partner-directory-grid,
  .footer-shell {
    grid-template-columns: 1fr;
  }

  .partner-profile-card {
    grid-template-columns: 1fr;
  }

  .partner-card-media {
    width: 132px;
    height: 132px;
  }

  .partner-application-shell h2 {
    font-size: 2.45rem;
  }

  .calculator-explainer,
  .options-advisor,
  .article-aside {
    position: static;
  }

  .page-reviews .testimonial-card-featured {
    grid-column: auto;
  }

  .comparison-table {
    border: 0;
    background: transparent;
    box-shadow: none;
  }

  .comparison-row.comparison-head {
    display: none;
  }

  .comparison-row {
    display: grid;
    grid-template-columns: 1fr;
    margin-bottom: 1rem;
    overflow: hidden;
    border: 1px solid rgba(226, 185, 95, 0.28);
    border-radius: 8px;
    background: rgba(7, 26, 45, 0.38);
  }

  .comparison-row > div {
    min-height: auto;
    border-right: 0;
    display: grid;
    gap: 0.25rem;
  }

  .comparison-row > div::before {
    content: attr(data-label);
    color: var(--gold-bright);
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
  }

  .button {
    width: 100%;
  }

  .nav-actions .button {
    width: auto;
  }

  .hero-actions,
  .cta-actions {
    width: 100%;
  }

  .hero-visual {
    width: min(100%, 320px);
  }

  .check-list.two-column {
    grid-template-columns: 1fr;
  }

  .article-footer-links {
    grid-template-columns: 1fr;
  }

  .contact-cards a {
    font-size: 1rem;
    overflow-wrap: anywhere;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 520px) {
  .header-shell,
  .hero-shell,
  .page-hero-shell,
  .section-shell,
  .cta-shell,
  .trust-shell,
  .footer-shell,
  .footer-bottom,
  .nav-links,
  .nav-actions {
    width: min(358px, calc(100% - 32px));
    margin-left: 16px;
    margin-right: auto;
  }

  .nav-links {
    grid-template-columns: 1fr;
  }

  .brand-link img {
    width: 150px;
  }

  .header-shell {
    gap: 0.5rem;
  }

  .mortgage-trend-pill {
    max-width: 112px;
    padding-inline: 0.44rem;
  }

  .mortgage-trend-line {
    display: none;
  }

  .mortgage-trend-copy small {
    display: none;
  }

  h1,
  .page-hero h1 {
    font-size: 2.34rem;
  }

  .section-intro h2,
  .split-copy h2,
  .cta-band h2 {
    font-size: 2.12rem;
  }

  .quote-panel p {
    font-size: 1.55rem;
  }

  .trust-shell {
    justify-content: flex-start;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0s !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

/* =========================================================
   Golden State Serigraph (owner-approved 2026-10-18)
   Spec: docs/design/serigraph/README.md
   Loaded after styles.css by scripts/build.mjs.
   ========================================================= */

@font-face {
  font-family: "Archivo";
  font-style: normal;
  font-display: swap;
  font-weight: 100 900;
  font-stretch: 62% 125%;
  src: url("/assets/fonts/archivo-5.3.0-latin-wdth-wght.woff2") format("woff2-variations"),
    url("/assets/fonts/archivo-5.3.0-latin-wdth-wght.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329,
    U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

@font-face {
  font-family: "Manrope";
  font-style: normal;
  font-display: swap;
  font-weight: 200 800;
  src: url("/assets/fonts/manrope-5.3.0-latin-wght.woff2") format("woff2-variations"),
    url("/assets/fonts/manrope-5.3.0-latin-wght.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329,
    U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  --font-display: "Archivo", "Arial Narrow", system-ui, sans-serif;
  --font-body: "Manrope", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --ser-navy: #0b2238;
  --ser-night: #071a2d;
  --ser-gold: #e3ad3a;
  --ser-gold-hi: #f6cf6a;
  --ser-sand: #f6ead2;
  --ser-sand-deep: #ecdcb9;
  --ser-pacific: #2c6e9b;
  --ser-poppy: #ec6a3d;
  --ser-rust: #b23c17;
  --ser-ink-soft: #3d5168;
  --header-h: 78px;
}

body {
  font-family: var(--font-body);
}

h1,
h2,
h3,
blockquote {
  font-family: var(--font-display);
  font-stretch: 88%;
  font-weight: 800;
}

/* ---------- shared header ---------- */

.site-header,
.site-header.is-scrolled,
body.nav-open .site-header {
  border-bottom: 0;
  background: var(--ser-navy);
  backdrop-filter: none;
  box-shadow: none;
}

.site-header.is-scrolled {
  box-shadow: 0 2px 0 rgba(227, 173, 58, 0.35);
}

.header-shell {
  width: min(1280px, calc(100% - 40px));
  min-height: var(--header-h);
  gap: 1.1rem;
}

.brand-link {
  min-width: 0;
  min-height: 44px;
  flex: 0 0 auto;
}

.brand-link img {
  width: auto;
  height: 42px;
  filter: none;
}

.mortgage-trend-pill {
  border-radius: 2px;
  box-shadow: none;
}

.site-nav {
  gap: 0;
}

.nav-links {
  gap: 1.35rem;
}

.nav-links > a[href="/"] {
  display: none;
}

.nav-link {
  min-height: 44px;
  color: var(--ser-sand);
  font-size: 0.875rem;
  font-weight: 600;
}

.nav-link::after {
  height: 2px;
  bottom: 6px;
  background: var(--ser-gold);
}

.nav-link.is-active,
.nav-link:hover {
  color: var(--ser-gold-hi);
}

.nav-menu {
  border: 0;
  border-radius: 3px;
  background: var(--ser-sand);
  padding: 6px;
  box-shadow: 6px 6px 0 var(--ser-gold);
}

.nav-menu-link {
  border-radius: 2px;
  color: var(--ser-navy);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 11px 12px;
}

.nav-menu-link + .nav-menu-link {
  border-top: 1px solid rgba(11, 34, 56, 0.1);
}

.nav-menu-link:hover,
.nav-menu-link.is-active {
  background: var(--ser-sand-deep);
  color: var(--ser-navy);
}

.site-nav .nav-actions {
  display: none;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
  flex: 0 0 auto;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  min-height: 44px;
  color: var(--ser-sand);
  font-size: 0.875rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  text-decoration: none;
  white-space: nowrap;
}

.header-phone svg {
  width: 15px;
  height: 15px;
  fill: var(--ser-gold);
}

.header-phone:hover {
  color: var(--ser-gold-hi);
}

.header-cta {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  border-radius: 2px;
  background: var(--ser-gold);
  color: var(--ser-navy);
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0 16px;
  text-decoration: none;
  white-space: nowrap;
}

.header-cta:hover {
  background: var(--ser-gold-hi);
  color: var(--ser-navy);
}

.header-cta-short {
  display: none;
}

.site-header :focus-visible {
  outline: 2px solid var(--ser-sand);
  outline-offset: 2px;
  box-shadow: 0 0 0 4px var(--ser-navy);
}

.mobile-menu-button {
  width: 44px;
  height: 44px;
  border: 1px solid rgba(246, 234, 210, 0.3);
  border-radius: 2px;
  background: transparent;
}

.mobile-menu-button span {
  background: var(--ser-gold);
}

@media (max-width: 1360px) {
  .mortgage-trend-pill {
    display: none;
  }
}

@media (max-width: 1180px) {
  .header-shell {
    min-height: var(--header-h);
  }

  .brand-link img {
    width: auto;
    height: 38px;
  }

  .mortgage-trend-pill {
    display: inline-flex;
    margin-left: auto;
  }

  .site-nav {
    top: var(--header-h);
    height: calc(100vh - var(--header-h));
    height: calc(100dvh - var(--header-h));
    border-bottom: 0;
    background: var(--ser-navy);
    box-shadow: inset 0 2px 0 rgba(227, 173, 58, 0.4);
    /* Visibility changes immediately so opening can focus a menu link. */
    transition: opacity 180ms ease, transform 180ms ease;
  }

  .site-nav .nav-actions {
    display: flex;
  }

  .nav-links {
    gap: 0;
  }

  .nav-links > a[href="/"] {
    display: flex;
  }

  .nav-link,
  .nav-menu-link {
    min-height: 44px;
  }

  .nav-menu {
    margin: 0 0 6px 2px;
    border-left: 2px solid rgba(227, 173, 58, 0.5);
    border-radius: 0;
    background: transparent;
    padding: 0 0 0 14px;
    box-shadow: none;
  }

  .nav-menu-link {
    display: flex;
    align-items: center;
    color: #c9d6e4;
  }

  .nav-menu-link + .nav-menu-link {
    border-top: 0;
  }

  .nav-menu-link:hover,
  .nav-menu-link.is-active {
    background: rgba(227, 173, 58, 0.12);
    color: var(--ser-gold-hi);
  }

  /* spans sit 12px apart (2px bar + 10px margins) in the column flex box */
  body.nav-open .mobile-menu-button span:nth-child(1) {
    transform: translateY(12px) rotate(45deg);
  }

  body.nav-open .mobile-menu-button span:nth-child(3) {
    transform: translateY(-12px) rotate(-45deg);
  }
}

@media (max-width: 760px) {
  .mortgage-trend-pill {
    display: none;
  }

  .header-actions {
    margin-left: auto;
  }
}

@media (max-width: 599px) {
  .header-shell {
    width: calc(100% - 32px);
    gap: 10px;
  }

  .brand-link img {
    height: 34px;
  }

  .header-actions {
    gap: 8px;
  }

  .header-phone {
    width: 44px;
    height: 44px;
    justify-content: center;
    gap: 0;
    border: 1px solid rgba(246, 234, 210, 0.3);
    border-radius: 50%;
  }

  .header-phone span {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
  }

  .header-phone svg {
    width: 18px;
    height: 18px;
  }

  .header-cta {
    padding: 0 12px;
  }

  .header-cta-long {
    display: none;
  }

  .header-cta-short {
    display: inline;
  }
}

@media (max-width: 359px) {
  .header-shell {
    gap: 6px;
  }

  .brand-link img {
    height: 22px;
  }

  .header-actions {
    gap: 4px;
  }

  .header-cta {
    padding: 0 8px;
  }
}

/* ---------- homepage hero (mount contract: see README) ---------- */

.ser {
  --navy: var(--ser-navy);
  --night: var(--ser-night);
  --gold: var(--ser-gold);
  --gold-hi: var(--ser-gold-hi);
  --pacific: var(--ser-pacific);
  --poppy: var(--ser-poppy);
  --sand: var(--ser-sand);
  --ink: var(--ser-navy);
  --sky: linear-gradient(180deg, #9fd0ec 0%, #cfe6f1 30%, #ffe0a3 58%, #fcc06e 74%, #fbbd66 100%);
  --ink1: var(--navy);
  --ink2: #245f8b;
  --ink3: #b23c17;
  --kick: var(--navy);
  --r1: #8e9fc8;
  --r2: #4f6a9e;
  --r3: #2c6e9b;
  --r4: #1a3b5f;
  --r5: #0b2238;
  --sun-in: #fff3c9;
  --sun-out: #ffd77a;
  --sun-glow: transparent;
  --stars: 0;
  --win: #7aa0cc;
  --win-glow: transparent;
  --hw: #16314f;
  --fog: 0;
  --rain: 0;
  --sun-o: 1;
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--ink);
  font-family: var(--font-body);
}

.ser[data-scene="golden"] { --sky: linear-gradient(180deg, #f9d6a0 0%, #ffc58a 40%, #ffa868 75%, #ff9a5c 100%); --r1: #a893bd; --r2: #6f6aa0; --r3: #435f91; --r4: #213b5e; --sun-in: #ffe3a6; --sun-out: #ffa648; --win: #f0b45f; --ink3: #a8370f; --ink2: #1f5580; }
.ser[data-scene="dusk"] { --sky: linear-gradient(180deg, #1b2a55 0%, #4b4479 40%, #b9677a 72%, #f08a5d 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff8a5c; --kick: #f6ead2; --r1: #4c4f80; --r2: #333b69; --r3: #223555; --r4: #142a45; --sun-in: #ffb36b; --sun-out: #ff7d45; --win: #ffc766; --hw: #121f3a; --win-glow: rgba(255, 190, 90, 0.75); }
.ser[data-scene="night"] { --sky: linear-gradient(180deg, #040c18 0%, #081a2e 50%, #13324f 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff8a5c; --kick: #cfd9e6; --r1: #253c60; --r2: #1a2e4e; --r3: #122640; --r4: #0c1d33; --r5: #06111e; --stars: 1; --win: #ffc766; --win-glow: rgba(255, 190, 90, 0.85); --hw: #0e2034; }
.ser[data-weather="marine"] { --sky: linear-gradient(180deg, #c3ccd6 0%, #d8dde1 55%, #e6e5e0 100%); --r1: #a7b2c3; --r2: #7a89a2; --r3: #4e6888; --r4: #2a4665; --fog: 1; --sun-o: 0.45; --win: #8aa3bf; }
.ser[data-weather="rain"] { --sky: linear-gradient(180deg, #3a4556 0%, #4b576b 50%, #8a95a5 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff9a6e; --kick: #e6edf4; --r1: #76869e; --r2: #566984; --r3: #3a5373; --r4: #223f5e; --rain: 1; --sun-o: 0; --win: #f0bd68; --win-glow: rgba(255, 190, 90, 0.6); }
.ser[data-weather="storm"] { --sky: linear-gradient(180deg, #2a3240 0%, #3e485a 50%, #6a7484 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff9a6e; --kick: #e6edf4; --r1: #5d6b82; --r2: #46566f; --r3: #314660; --r4: #1d3450; --sun-o: 0; --win: #f0bd68; --win-glow: rgba(255, 190, 90, 0.6); }
.ser[data-scene="night"][data-weather="storm"] { --sky: linear-gradient(180deg, #0e141e 0%, #18212e 60%, #232e3d 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff8a5c; --kick: #cfd9e6; --r1: #2a364a; --r2: #202d42; --r3: #17263a; --r4: #101e30; --stars: 0; }
.ser[data-scene="dusk"][data-weather="marine"] { --sky: linear-gradient(180deg, #323850 0%, #4a4f68 50%, #7c7d92 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff9a6e; --kick: #e6edf4; --r1: #525a73; --r2: #3f4762; --r3: #2e3a55; --r4: #1e2c45; }
.ser[data-scene="night"][data-weather="marine"] { --sky: linear-gradient(180deg, #1a2433 0%, #2a3546 60%, #3a4556 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff8a5c; --kick: #cfd9e6; --r1: #3a475c; --r2: #2c3a50; --r3: #1f3047; --r4: #152539; --stars: 0; }
.ser[data-scene="night"][data-weather="rain"] { --sky: linear-gradient(180deg, #141c28 0%, #202b3a 60%, #2c3849 100%); --ink1: #f6ead2; --ink2: #e9b44c; --ink3: #ff8a5c; --kick: #cfd9e6; --r1: #2f3c51; --r2: #243248; --r3: #1a2a40; --r4: #122234; --stars: 0; }

.ser-wrap {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding-left: max(20px, env(safe-area-inset-left));
  padding-right: max(20px, env(safe-area-inset-right));
}

.ser .sr {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.ser-hero {
  position: relative;
  overflow-x: clip;
  padding-top: var(--header-h);
  background: var(--sky);
  transition: background 0.6s;
}

.ser-stars {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  opacity: var(--stars);
  transition: opacity 0.6s;
}

.ser-rain {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 5;
}

.ser-bolt,
.ser-flash {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 0;
}

.ser-flash {
  background: #dfe8ff;
  opacity: 0;
}

.ser-birds {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 4;
}

.ser-fog {
  position: absolute;
  left: 0;
  right: 0;
  top: 20%;
  height: 40%;
  z-index: 3;
  pointer-events: none;
  opacity: var(--fog);
  transition: opacity 0.6s;
  background: linear-gradient(180deg, rgba(236, 236, 232, 0) 0%, rgba(236, 236, 232, 0.85) 45%, rgba(236, 236, 232, 0.6) 70%, rgba(236, 236, 232, 0) 100%);
}

.ser-type {
  position: relative;
  z-index: 2;
  padding-top: 26px;
}

.ser-kicker {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 0;
  color: var(--kick);
  font-family: var(--font-display);
  font-size: 13px;
  font-stretch: 110%;
  font-weight: 700;
  letter-spacing: 0.22em;
  line-height: 1.4;
  text-transform: uppercase;
  transition: color 0.6s;
}

.ser-kicker span + span::before {
  content: "";
  display: inline-block;
  width: 6px;
  height: 6px;
  margin-right: 14px;
  border-radius: 50%;
  background: var(--poppy);
  vertical-align: middle;
}

.ser h1 {
  margin: 18px 0 0;
  color: var(--ink1);
  font-family: var(--font-display);
  font-weight: 900;
  letter-spacing: -0.01em;
  line-height: 0.84;
  text-transform: uppercase;
  transition: color 0.6s;
}

/* Fitted bands: site.js measures each band and sets an exact px size (cap 170px).
   The container-relative sizes below are the no-JavaScript fallback, measured
   from the fitted result (band 1 = 8.6% of the measure, band 2 = 11.56%). */
.ser h1 {
  container-type: inline-size;
}

.ser h1 .b {
  display: block;
  font-size: min(8.5cqi, 170px);
  font-stretch: 62%;
  white-space: nowrap;
}

.ser h1 .b2 {
  font-size: min(11.4cqi, 170px);
}

.ser h1 .b2 {
  margin-top: 0.04em;
  color: var(--ink2);
  transition: color 0.6s;
}

.ser h1 .m {
  display: inline;
}

.ser h1 .b2 em {
  color: var(--ink3);
  font-style: normal;
}

.ser-land {
  --sun-size: clamp(150px, 14vw, 220px);
  --land-h: calc(22px + var(--sun-size) + 26px + 160px);
  --horizon-pad: 112px;
  position: relative;
  z-index: 1;
  isolation: isolate;
  margin-top: -40px;
  padding-bottom: var(--horizon-pad);
  /* +2px overlap hides the anti-aliased seam under the front SVG */
  background: linear-gradient(to top, var(--r5) calc(var(--horizon-pad) + 2px), transparent calc(var(--horizon-pad) + 2px));
}

.ser-land svg path {
  transition: fill 0.6s;
}

.ser-land svg.back {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 0;
  width: 100%;
  height: var(--land-h);
  pointer-events: none;
}

.ser-land svg.front {
  position: relative;
  z-index: 2;
  display: block;
  width: 100%;
  height: var(--land-h);
  pointer-events: none;
}

.ser-sky {
  position: absolute;
  top: -60px;
  left: 0;
  right: 0;
  z-index: 1;
  height: calc(var(--land-h) + 60px);
  overflow: hidden;
  pointer-events: none;
}

.ser-body {
  position: absolute;
  top: 82px;
  left: 50%;
  z-index: 1;
  width: var(--sun-size);
  aspect-ratio: 1;
  overflow: hidden;
  border-radius: 50%;
  translate: -50% var(--alt-y, 0px);
  transition: translate 1.6s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.9s, background 0.6s;
}

.ser-body.sun {
  background: radial-gradient(circle at 50% 50%, var(--sun-in) 0 46%, var(--sun-out) 47% 100%);
  opacity: var(--sun-o);
}

.ser-body.moon {
  overflow: visible;
  background: radial-gradient(circle at 46% 44%, #f8f3e6 0 58%, #ece5d5 78%, #ddd5c3 100%);
  box-shadow: 0 0 0 16px rgba(247, 242, 228, 0.12), 0 0 0 36px rgba(247, 242, 228, 0.06);
  opacity: var(--moon-o, 0);
}

/* The NASA moon raster only loads once the engine leaves the day scene. */
.ser:not([data-scene="day"]) .ser-body.moon {
  background: url("/assets/images/serigraph/moon-nasa.webp") center / cover no-repeat,
    radial-gradient(circle at 46% 44%, #f8f3e6 0 58%, #ece5d5 78%, #ddd5c3 100%);
}

.ser-body .phase {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border-radius: 50%;
}

.ser-body .phase path {
  fill: rgba(12, 30, 54, 0.8);
}

.ser-body .mk {
  position: absolute;
  top: 50%;
  left: 15%;
  z-index: 1;
  width: 70%;
  aspect-ratio: 952 / 482;
  translate: 0 -50%;
  background: url("/assets/images/serigraph/wolf-mark-sun.webp") center / contain no-repeat;
}

.ser .hv {
  display: none;
}

.ser[data-house="1"] .hv[data-v="1"],
.ser[data-house="2"] .hv[data-v="2"],
.ser[data-house="3"] .hv[data-v="3"],
.ser[data-house="4"] .hv[data-v="4"],
.ser[data-house="5"] .hv[data-v="5"] {
  display: inline;
}

.ser .wall { fill: var(--hw); }
.ser .mull { stroke: var(--hw); stroke-width: 2; }
.ser .block circle { fill: var(--hw); }
.ser .spill { fill: var(--win-glow); opacity: 0; transition: opacity 0.8s; }
.ser[data-scene="night"] .spill,
.ser[data-scene="dusk"] .spill { opacity: 0.55; }
.ser .pet .ear { stroke: color-mix(in srgb, var(--win) 50%, var(--r5)); stroke-width: 0.6; paint-order: stroke; stroke-linejoin: round; }
.ser .palm { cursor: pointer; pointer-events: all; }
.ser .critter { cursor: pointer; pointer-events: all; }
.ser .coon-hint { opacity: 0; transition: opacity 0.4s; }
.ser[data-coonhint][data-scene="night"] .coon-hint,
.ser[data-coonhint][data-scene="dusk"] .coon-hint { opacity: 1; }
.ser .pet { display: none; transition: opacity 0.6s; }
.ser[data-pet] .pet { display: inline; }
.ser[data-pethide] .pet { opacity: 0; }
.ser[data-pet="cat"] .dog,
.ser[data-pet="dog"] .cat { display: none; }
.ser .win { fill: var(--win); transition: fill 0.8s, filter 0.8s; }
.ser[data-scene="dusk"] .win,
.ser[data-scene="night"] .win,
.ser[data-weather="rain"] .win,
.ser[data-weather="storm"] .win { filter: drop-shadow(0 0 5px var(--win-glow)); }

/* Approved statewide landmarks; their mounts are aspect-corrected by the engine. */
.ser .landmarks { transition: filter 0.8s; }
.ser .lm[hidden] { display: none; }
.ser[data-scene="night"] .landmarks { filter: brightness(0.5) saturate(0.75); }
.ser[data-scene="dusk"] .landmarks { filter: brightness(0.72) saturate(0.85); }
.ser[data-scene="night"] .landmarks .win,
.ser[data-scene="dusk"] .landmarks .win { filter: brightness(2) drop-shadow(0 0 3px var(--win-glow)); }
.ser .or-t,
.ser .or-c { fill: var(--r5); }
.ser[data-bloom] .or-c { fill: #f1d9de; }
.ser[data-bloom][data-scene="night"] .or-c { fill: #6d6a86; }
.ser .sea-w { fill: #3f78a6; }
.ser .sea-f { fill: #eee9dd; }
.ser .sea-c { stroke: #eee9dd; }
.ser[data-scene="dusk"] .sea-w { fill: #35577f; }
.ser[data-scene="night"] .sea-w { fill: #1c3558; }
.ser[data-scene="night"] .sea-f,
.ser[data-scene="night"] .sea-c { opacity: 0.55; }
.ser .obs-open { display: none; }
.ser[data-scene="night"] .obs-open { display: inline; }
.ser .wheel-rot { transform-box: view-box; }
.ser .cab { transform-box: view-box; transform-origin: 0 0; }
.ser[data-engine] .wheel-rot { animation: ser-wheelspin 60s linear infinite; }
.ser[data-engine] .cab { animation: ser-wheelspin 60s linear infinite reverse; }
.ser[data-engine] .fog { animation: ser-fogdrift 26s ease-in-out infinite alternate; }
.ser[data-engine] .sea-c { animation: ser-seacrest 7s ease-in-out infinite alternate; }
.ser[data-paused] .wheel-rot,
.ser[data-paused] .cab,
.ser[data-paused] .fog,
.ser[data-paused] .sea-c { animation-play-state: paused; }
@keyframes ser-wheelspin { to { rotate: 360deg; } }
@keyframes ser-fogdrift { to { translate: 10px 0; } }
@keyframes ser-seacrest { to { translate: 6px 0; } }

/* palms sway in wet weather (pivot at trunk base) */
.ser .sway { transform-box: view-box; }
.ser[data-weather="rain"] .sway { animation: ser-sway 3.4s ease-in-out infinite alternate; }
.ser[data-weather="storm"] .sway { animation: ser-swayhard 1.9s ease-in-out infinite alternate; }
.ser[data-paused] .sway { animation-play-state: paused; }

/* redwoods and sequoia: gentler, staggered so they never move in lockstep */
.ser[data-weather="rain"] .sway.tree { animation-name: ser-sway-tree; animation-duration: 4.6s; }
.ser[data-weather="storm"] .sway.tree { animation-name: ser-sway-tree-hard; animation-duration: 2.6s; }
.ser .sway.tree:nth-child(2n) { animation-delay: -1.3s; }
.ser .sway.tree:nth-child(3n) { animation-delay: -2.1s; }

@keyframes ser-sway-tree {
  from { rotate: -0.4deg; }
  to { rotate: 0.6deg; }
}

@keyframes ser-sway-tree-hard {
  from { rotate: -0.9deg; }
  to { rotate: 1.3deg; }
}

@keyframes ser-sway {
  from { rotate: -1deg; }
  to { rotate: 1.6deg; }
}

@keyframes ser-swayhard {
  from { rotate: -2.2deg; }
  to { rotate: 3.4deg; }
}

.ser-horizon {
  position: absolute;
  top: calc(22px + var(--sun-size) + 26px);
  left: 50%;
  z-index: 3;
  display: grid;
  gap: 8px;
  justify-items: center;
  width: min(760px, calc(100% - 40px));
  transform: translateX(-50%);
}

.ser-land:has(.more[open]) {
  z-index: 7;
}

/* Pause control: only shown once the scene engine runs (it sets data-engine). */
.ser .pause {
  position: absolute;
  right: max(14px, env(safe-area-inset-right));
  bottom: calc(var(--horizon-pad) + 12px);
  z-index: 6;
  display: flex;
  align-items: center;
  gap: 6px;
  min-height: 32px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  background: rgba(7, 26, 45, 0.6);
  color: #dfe7ef;
  cursor: pointer;
  font: 600 12.5px var(--font-body);
  padding: 6px 10px;
}

.ser:not([data-engine]) .pause {
  display: none;
}

.ser .pause svg { width: 12px; height: 12px; fill: currentColor; }
.ser .pause .pl { display: none; }
.ser[data-paused] .pause .pl { display: inline; }
.ser[data-paused] .pause .pz { display: none; }

.ser .intent {
  position: relative;
  display: flex;
  align-items: center;
  align-self: start;
  justify-self: center;
  gap: 4px;
  border-radius: 3px;
  background: rgba(7, 26, 45, 0.55);
  padding: 4px;
}

.ser .intent button {
  min-height: 36px;
  border: 0;
  border-radius: 2px;
  background: transparent;
  color: #d6e0ea;
  cursor: pointer;
  font: 600 13px var(--font-body);
  padding: 7px 12px;
}

.ser .intent button:hover {
  color: #fff;
}

.ser .intent button[aria-pressed="true"] {
  background: var(--sand);
  color: var(--navy);
}

/* Without JavaScript the intent toggles cannot change anything, so hide them;
   the form still submits to the default intent and the menu still works. */
html:not(.js) .ser .intent button {
  display: none;
}

html:not(.js) .ser .more summary {
  margin-left: 0;
  border-left: 0;
}

.ser .more summary {
  display: flex;
  align-items: center;
  gap: 6px;
  min-height: 36px;
  margin-left: 4px;
  border-left: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 2px;
  color: #b8c6d4;
  cursor: pointer;
  font: 600 13px var(--font-body);
  list-style: none;
  padding: 7px 12px;
}

.ser .more summary::-webkit-details-marker {
  display: none;
}

.ser .more summary::after {
  content: "";
  width: 6px;
  height: 6px;
  border-right: 1.6px solid currentColor;
  border-bottom: 1.6px solid currentColor;
  rotate: 45deg;
  translate: 0 -2px;
  transition: rotate 0.2s;
}

.ser .more[open] summary::after {
  rotate: 225deg;
  translate: 0 2px;
}

.ser .more ul {
  position: absolute;
  right: 0;
  bottom: calc(100% + 10px);
  z-index: 8;
  min-width: 270px;
  margin: 0;
  padding: 6px;
  border-radius: 3px;
  background: var(--sand);
  box-shadow: 6px 6px 0 var(--gold);
  list-style: none;
}

.ser .more li + li {
  border-top: 1px solid rgba(11, 34, 56, 0.1);
}

.ser .more li a {
  display: block;
  min-height: 44px;
  border-radius: 2px;
  color: var(--navy);
  font: 600 14px var(--font-body);
  padding: 11px 12px;
  text-decoration: none;
}

.ser .more li a:hover,
.ser .more li a:focus-visible {
  background: var(--ser-sand-deep);
  color: var(--navy);
}

.ser .search {
  display: flex;
  align-items: stretch;
  width: 100%;
  margin: 0;
  border-radius: 2px;
  background: var(--sand);
  box-shadow: 6px 6px 0 var(--gold);
}

.ser .search:focus-within {
  box-shadow: 8px 8px 0 var(--gold-hi);
  transition: box-shadow 0.15s;
}

.ser .search input {
  flex: 1;
  min-width: 0;
  border: 0;
  outline: 0;
  background: transparent;
  color: var(--navy);
  font: inherit;
  font-size: 17px;
  padding: 20px 22px;
  -webkit-appearance: none;
  appearance: none;
}

.ser .search input::-webkit-search-cancel-button {
  display: none;
}

.ser .search input::placeholder {
  color: #5a6573;
  opacity: 1;
}

.ser .search input:focus,
.ser .search input:focus-visible {
  outline: none;
  box-shadow: inset 0 -3px 0 var(--navy);
}

.ser .search button {
  border: 0;
  background: var(--poppy);
  color: var(--navy);
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 14px;
  font-stretch: 110%;
  font-weight: 800;
  letter-spacing: 0.08em;
  padding: 0 26px;
  text-transform: uppercase;
  white-space: nowrap;
}

.ser .search button:hover {
  background: #f27d52;
}

.ser .team {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0 10px;
  background: var(--ser-navy);
  border-radius: 3px;
  padding: 8px 12px;
  color: #dfe7ef;
  font-size: 13px;
  line-height: 1.5;
  text-align: center;
}

.ser .team .faces {
  display: flex;
}

.ser .team .faces img {
  width: 38px;
  height: 38px;
  border: 2px solid var(--navy);
  border-radius: 50%;
  object-fit: cover;
}

.ser .team .faces img + img {
  margin-left: -8px;
}

.ser .team b {
  color: #fff;
}

.ser .team a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: var(--gold-hi);
  font-variant-numeric: tabular-nums;
  font-weight: 700;
  text-decoration: none;
}

.ser .team small {
  flex-basis: 100%;
  margin: 0 auto;
  color: #b8c6d4;
  font-size: 12.5px;
  letter-spacing: 0.04em;
}

.ser .team small.disc {
  max-width: 70ch;
  margin-top: 4px;
  color: #a9b8c8;
  font-size: 12px;
  letter-spacing: 0;
  line-height: 1.45;
}

.ser :focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 2px;
  box-shadow: 0 0 0 4px var(--sand);
}

@media (max-width: 599px) {
  .ser-kicker {
    gap: 6px 12px;
    font-size: 12px;
    letter-spacing: 0.16em;
  }

  .ser-kicker span {
    white-space: nowrap;
  }

  .ser-kicker span + span::before {
    margin-right: 12px;
  }

  .ser h1 .m {
    white-space: nowrap;
  }

  .ser-land {
    --sun-size: 27vw;
    --land-h: calc(30px + var(--sun-size) + 48px);
    --horizon-pad: 0px;
    margin-top: -14px;
    background: none;
  }

  .ser-sky .ser-body {
    top: 70px;
  }

  .ser-horizon {
    position: relative;
    top: auto;
    left: auto;
    width: 100%;
    transform: none;
    background: var(--navy);
    padding: 18px 16px 10px;
  }

  .ser .intent {
    flex-wrap: wrap;
    justify-content: center;
    width: 100%;
  }

  .ser .intent button {
    flex: 1 1 45%;
    min-height: 44px;
  }

  .ser .more {
    flex-basis: 100%;
  }

  .ser .more summary {
    justify-content: center;
    min-height: 44px;
    margin-left: 0;
    border-left: 0;
  }

  .ser .more ul {
    top: calc(100% + 6px);
    bottom: auto;
    left: 0;
    right: 0;
    min-width: 0;
  }

  .ser .pause {
    top: calc(var(--header-h) + 10px);
    bottom: auto;
    right: 10px;
    width: 44px;
    height: 44px;
    justify-content: center;
    padding: 0;
  }

  .ser .pause span {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
  }

  .ser .search input {
    font-size: 16px;
    padding: 16px 14px;
  }
}

@media (max-width: 520px) {
  .ser .search {
    flex-direction: column;
  }

  .ser .search button {
    min-height: 48px;
    padding: 14px 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .site-nav, .site-nav * { transition: none !important; }
  .ser-hero,
  .ser-body,
  .ser-stars,
  .ser-rain,
  .ser .search {
    animation: none;
    transition: none;
  }

  .ser .wheel-rot,
  .ser .cab,
  .ser .fog,
  .ser .sea-c,
  .ser .sway {
    animation: none !important;
  }
}

/* ---------- shared page system ---------- */

body { background: var(--ser-sand); color: var(--ser-navy); }
main > :not(.ser), main > :not(.ser) * {
  background-image: none !important;
  box-shadow: none !important;
}
.section, .section-cream, .options-section, .legal-section {
  background: var(--ser-sand);
  color: var(--ser-navy);
  padding-block: 48px;
}
.section-cream { background: #fffaf0; }
.section-navy, .cta-band {
  background: var(--ser-navy);
  color: var(--ser-sand);
}
h1, h2 { font-stretch: 62%; font-weight: 900; text-transform: uppercase; line-height: 1.05; }
h2 { font-size: 36px; }
.section-intro h2, .split-copy h2, .cta-band h2 { font-size: 40px; }
h3 { font-stretch: 80%; font-size: 24px; }
.section-intro h2, .split-copy h2, .article-body h2, .legal-block h2,
.options-panel h2, .calculator-heading h2 { color: var(--ser-navy); }
.section-intro p, .split-copy p, .compliance-note, .form-helper, .form-disclaimer,
.article-meta, .options-helper, .calculator-explainer p, .calculator-heading p,
.info-card p, .resource-card p, .legal-block p { color: var(--ser-ink-soft); }
.section-navy :is(h2, h3), .cta-band h2 { color: var(--ser-sand); }
.section-navy :is(p, .compliance-note), .cta-band p { color: #d3deea; }
.page-hero {
  position: relative;
  min-height: 0;
  padding: calc(var(--header-h) + 36px) 0 30px;
  background: var(--ser-sand);
  color: var(--ser-navy);
}
.page-hero::before, .page-hero::after { display: none; }
.page-hero-shell {
  display: block;
  width: min(var(--max), calc(100% - 48px));
  min-height: 0;
  margin: auto;
  padding: 0;
}
.page-hero h1 { max-width: 24ch; margin: 0 0 14px; font-size: 52px; color: var(--ser-navy); }
.page-hero p { max-width: 75ch; margin: 0; color: var(--ser-ink-soft); font-size: 16px; }
.inner-ridge { display: block; position: absolute; bottom: 0; width: 100%; height: 16px; }
.eyebrow, .card-kicker { display: none; }
.info-card, .resource-card, .review-source-card, .start-path-card, .timeline-item,
.resource-comparison-card, .strategy-card, .calculator-card, .contact-form,
.resource-filter-panel, .resource-selector, .article-aside, .legal-block,
.options-panel, .options-advisor-card, .options-shortcuts, .options-submit-card {
  border: 1px solid var(--ser-navy);
  border-radius: 2px;
  background: #fffaf0;
  color: var(--ser-navy);
}
.info-card h3, .resource-card h3, .timeline-item h3 { color: var(--ser-navy); }
.info-card-link:hover, .review-source-card:hover { color: var(--ser-navy); background: var(--ser-sand-deep); transform: none; }
.card-link-text { color: #8f3012; }
.section-navy :is(.info-card, .cost-list-panel, .quote-panel, .resource-comparison-card, .kb-selector-result) {
  background: transparent;
  border-color: #b8c6d4;
  color: var(--ser-sand);
}
.section-navy .info-card :is(h3,p) { color: inherit; }
.cost-list-panel, .quote-panel, .takeaway-panel, .guide-panel,
.article-decision-visual, .article-deep-dive, .calculator-explainer,
.conditional-panel, .form-warning-panel, .marketing-consent {
  border: 0;
  border-radius: 0;
  border-top: 2px solid var(--ser-gold);
  background: transparent;
  box-shadow: none;
  color: inherit;
}
.quote-panel p { color: var(--ser-navy); }
.section-navy .quote-panel p { color: var(--ser-sand); }
.article-body { border: 0; border-radius: 0; background: transparent; padding: 0; }
.article-deep-card, .option-confidence, .option-metric, .option-insight,
.option-missing, .option-next-step, .option-action-links, .option-conversation,
.resource-selector-output, .decision-visual-grid > div {
  border: 0;
  border-top: 1px solid #536476;
  border-radius: 0;
  background: transparent;
  padding: 14px 0;
}
.decision-visual-grid span { color: var(--ser-navy); }
.section-navy .decision-visual-grid span { color: var(--ser-sand); }
.section-navy .kb-selector-result :is(h3, p, span),
.section-navy .resource-comparison-card :is(h3, dd) { color: var(--ser-sand); }
.resource-comparison-card dt, .option-tags span, .option-metric span,
.option-metric em, .resource-chip, .resource-tag { font-size: 12px; }
.resource-chip, .resource-clear, .resource-card > a, .resource-tag,
.start-path-links a, .article-aside a { min-height: 44px; display: inline-flex; align-items: center; }
.breadcrumb-nav a { color: #88451a; }
.section:not(.section-navy) a:not(.button):hover { color: #9c3415; }
.quote-panel img { display: none; }
.comparison-table { border: 1px solid #b8c6d4; border-radius: 0; background: transparent; }
.comparison-row > div { background: transparent; }
.comparison-highlight > div { background: #193d57; }
.comparison-row.comparison-head > div { color: var(--ser-gold-hi); }
.compensation-note { max-width: none; margin-top: 28px; }
.button, button, input, select, textarea { border-radius: 2px; }
.button { min-height: 44px; font-size: 14px; font-weight: 800; }
.button-primary, .button-cream {
  background: var(--ser-gold);
  color: var(--ser-navy);
  border: 2px solid var(--ser-navy);
}
.button-primary:hover, .button-cream:hover { background: var(--ser-gold-hi); color: var(--ser-navy); transform: none; }
.button-outline { border: 2px solid var(--ser-navy); background: transparent; color: var(--ser-navy); }
.button-outline:hover { background: var(--ser-sand-deep); color: var(--ser-navy); }
.button-outline-light { border: 2px solid var(--ser-sand); color: var(--ser-sand); background: transparent; }
.section:not(.section-navy) .button-outline-light { border-color: var(--ser-navy); color: var(--ser-navy); }
input:not([type="checkbox"]):not([type="radio"]), select, textarea {
  min-height: 48px;
  background: #fffaf0;
  color: var(--ser-navy);
  border: 1px solid #536476;
  font-size: 16px;
}
input::placeholder, textarea::placeholder { color: #536071; opacity: 1; }
label > span, legend, .input-affix em, .form-disclaimer, .compliance-note,
.resource-tag, .article-meta, .mortgage-trend-copy small, .mortgage-trend-copy strong {
  font-size: 12px;
}
/* Ellipsis needs overflow hidden; give descenders (g, p, y) room so they are not clipped. */
.mortgage-trend-copy strong, .mortgage-trend-copy small { line-height: 1.35; }
.marketing-consent { margin: 22px 0; padding: 16px 0 0; }
.marketing-consent legend { font-size: 16px; font-weight: 800; padding-right: 10px; }
.checkbox-field { display: flex; align-items: flex-start; gap: 12px; min-height: 44px; padding-block: 8px; }
.checkbox-field input { width: 22px; height: 22px; flex: 0 0 22px; accent-color: var(--ser-navy); }
.checkbox-field span { font-size: 14px; line-height: 1.6; color: var(--ser-navy); }
.calculator-field-error { color: #9c2715; font-weight: 700; font-size: 14px; margin-top: 6px; }
[aria-invalid="true"] { border: 2px solid #9c2715 !important; }
.calculator-result { background: var(--ser-sand-deep); color: var(--ser-navy); border-radius: 0; }
.calculator-result :is(p, span, small), .options-results-note { color: var(--ser-ink-soft); }
.calculator-fields, .form-grid { gap: 16px; }
.calculator-card form { padding: 0; }
.calculator-card :is(input, select) { border-radius: 2px; }
.input-affix input { padding-right: 12px; }
.input-affix:has(em) input { padding-right: 70px; }
.calculator-heading h2 { font-size: 30px; margin-top: 0; }
.calculator-subnav { flex-wrap: nowrap; overflow-x: auto; padding-block: 8px; }
.calculator-subnav a { flex: 0 0 auto; min-height: 44px; }
.calculator-tools-anchor { padding-block: 8px; }
.calculators-section { padding-top: 16px; }
.options-section { padding-top: 24px; scroll-margin-top: calc(var(--header-h) + 12px); }
.options-finder { scroll-margin-top: calc(var(--header-h) + 18px); }
.options-progress { margin-bottom: 18px; }
.options-progress li, .options-progress button { border-radius: 0; background: transparent; box-shadow: none; }
.options-progress li.is-active { background: var(--ser-gold); border-color: var(--ser-navy); box-shadow: none; }
.options-progress :is(span,strong) { color: var(--ser-navy); font-size: 12px; }
.options-progress button { min-height: 58px; }
.options-workspace:not(:has(.options-advisor:not([hidden]))) { grid-template-columns: 1fr; }
.options-panel, .options-advisor-card, .options-submit-card, .options-shortcuts { padding: 20px; }
.options-advisor { position: static; }
.options-route-cards article, .option-choice span, .option-action,
.options-result-card, .options-result-summary, .options-result-flags {
  background: transparent;
  border-radius: 0;
  box-shadow: none;
}
.option-choice input:checked + span { background: var(--ser-sand-deep); border: 2px solid var(--ser-navy); box-shadow: none; }
.option-choice input:focus-visible + span { outline: 3px solid var(--ser-navy); outline-offset: 3px; }
.option-choice :is(strong, small), .option-action :is(strong,small) { color: var(--ser-navy); }
.option-choice span { min-height: 76px; }
.team-section { display: grid; grid-template-columns: minmax(250px, 0.8fr) 1.2fr; align-items: center; gap: 40px; }
.team-portraits { display: flex; gap: 20px; }
.team-portraits figure { margin: 0; flex: 1; }
.team-portraits img { width: 100%; max-width: 192px; aspect-ratio: 1; object-fit: cover; border: 2px solid var(--ser-navy); }
.team-portraits figcaption { margin-top: 8px; font-weight: 800; }
.home-steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: home-step;
}
.home-steps li { border-top: 3px solid var(--ser-gold); padding-top: 14px; counter-increment: home-step; }
.home-steps li::before { content: "0" counter(home-step); font-weight: 800; color: #8f3012; }
.home-steps h3 { margin: 10px 0; color: var(--ser-navy); }
.home-steps p { margin: 0; color: var(--ser-ink-soft); }
.home-programs .card-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.home-section-link { margin: 20px 0 0; text-align: center; }
.home-reviews { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 24px; }
.client-review { margin: 0; border-top: 2px solid var(--ser-gold); padding-top: 18px; }
.client-review:first-child { grid-row: span 2; }
.client-review blockquote { margin: 0 0 12px; color: var(--ser-navy); }
.client-review blockquote p { margin: 0; }
.client-review figcaption { font-weight: 800; }
.home-resources p { max-width: 70ch; }
@media (max-width: 1000px) {
  .home-steps, .home-programs .card-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 760px) {
  .home-steps, .home-programs .card-grid, .home-reviews { grid-template-columns: 1fr; }
  .client-review:first-child { grid-row: auto; }
}
.review-navigation { display: flex; flex-wrap: wrap; gap: 12px 24px; margin-top: 20px; }
.review-navigation a, .text-link, .article-link-grid a, .footer-column a, .footer-bottom a {
  display: inline-flex; align-items: center; min-height: 44px;
}
.apply-preflight .section-shell { max-width: 850px; }
.apply-preflight h2:not(:first-child) { margin-top: 36px; }
main > :not(.ser) :focus-visible {
  outline: 3px solid var(--ser-navy);
  outline-offset: 3px;
  box-shadow: 0 0 0 6px #fffaf0 !important;
}
.mobile-contact-bar { display: none; }
@media (max-width: 1180px) {
  .site-nav { transition: opacity 0.18s, transform 0.18s; }
  body:not(.nav-open) .site-nav, body:not(.nav-open) .site-nav .nav-menu {
    visibility: hidden; pointer-events: none;
  }
  body.nav-open .site-nav, body.nav-open .site-nav .nav-menu { visibility: visible; }
}
@media (max-width: 760px) {
  body { padding-bottom: calc(60px + env(safe-area-inset-bottom)); }
  .mobile-contact-bar {
    position: fixed;
    inset: auto 0 0;
    z-index: 90;
    display: grid;
    grid-template-columns: 1fr 1fr;
    padding: 6px 12px calc(6px + env(safe-area-inset-bottom));
    gap: 12px;
    background: var(--ser-navy);
    border-top: 2px solid var(--ser-gold);
  }
  .mobile-contact-bar a {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    color: var(--ser-sand);
    font-size: 14px;
    font-weight: 800;
  }
  .mobile-contact-bar a:last-child { background: var(--ser-gold); color: var(--ser-navy); }
  .mobile-contact-bar a:focus-visible { outline: 3px solid var(--ser-sand); outline-offset: 2px; }
  body.nav-open .mobile-contact-bar { visibility: hidden; }
  .page-hero { padding-top: calc(var(--header-h) + 22px); padding-bottom: 26px; }
  .page-hero h1 { font-size: 36px; }
  .page-hero-shell { width: calc(100% - 32px); }
  .section { padding-block: 28px; }
  .section-intro h2, .split-copy h2, .cta-band h2 { font-size: 30px; }
  h2 { font-size: 30px; }
  .section-intro { margin-bottom: 20px; }
  .team-section { grid-template-columns: 1fr; gap: 24px; }
  .team-portraits { max-width: 340px; }
  .contact-shell { display: flex; flex-direction: column; }
  .contact-shell > .contact-form { order: -1; width: 100%; }
  .options-workspace { grid-template-columns: 1fr; }
  .options-progress { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 4px; }
  .options-progress strong { display: block; }
  .options-progress button { padding: 8px 6px; }
  .option-choice-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .option-choice span { padding: 12px; }
  .option-choice em { font-size: 12px; line-height: 1.45; }
  .calculator-fields { grid-template-columns: 1fr; }
  .calculator-card, .options-panel { padding: 16px; }
  .calculator-tools-anchor { padding-block: 4px; }
  .calculators-section { padding-top: 8px; }
}

/* ---------- shared footer ---------- */

.site-footer {
  border-top: 3px solid var(--ser-gold);
  background: var(--ser-navy);
  color: #c9d6e4;
}

.footer-column h2 {
  color: var(--ser-gold-hi);
  font-family: var(--font-display);
  font-size: 12px;
  font-stretch: 112%;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.footer-brand img {
  width: auto;
  height: 46px;
}

.footer-brand p,
.footer-column p {
  color: #c9d6e4;
}

.footer-column a,
.footer-bottom a {
  color: var(--ser-sand);
}

.footer-column a:hover,
.footer-bottom a:hover {
  color: var(--ser-gold-hi);
}

.equal-housing span {
  display: block;
}

.footer-marks {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-top: 14px;
  color: var(--ser-sand);
}

.footer-mark {
  display: inline-flex;
  line-height: 0;
}

.footer-mark svg {
  width: auto;
  fill: currentColor;
}

.footer-mark-eho svg {
  height: 58px;
}

.footer-mark-realtor svg {
  /* The official viewBox includes isolation space: 106px yields ~58px of ink,
     matching EHO without cropping the wordmark, ®, or required clear space. */
  height: 106px;
}

.footer-bottom {
  border-top: 1px solid rgba(227, 173, 58, 0.25);
}