/* ==========================================================================
   Value Financial Group — Design System
   Deep navy, white, warm gold, light neutral gray.
   ========================================================================== */

:root {
  --navy-950: #070d16;
  --navy-900: #0b1524;
  --navy-800: #101f34;
  --navy-700: #182c47;
  --navy-600: #24395a;

  --gold-700: #93701f;
  --gold-600: #a8813a;
  --gold-500: #bf9a54;
  --gold-400: #d4b476;
  --gold-100: #f3e9d4;
  --gold-50: #faf6ec;

  --white: #ffffff;
  --gray-50: #f7f6f3;
  --gray-100: #f1efe9;
  --gray-200: #e6e3da;
  --gray-300: #d4d0c4;
  --gray-500: #8b877c;
  --gray-600: #67635a;
  --gray-700: #4a473f;
  --ink: #10161f;

  --font-display: "Fraunces", "Georgia", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1240px;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(10, 15, 25, 0.06), 0 1px 1px rgba(10, 15, 25, 0.04);
  --shadow-md: 0 12px 32px -12px rgba(10, 15, 25, 0.18);
  --shadow-lg: 0 24px 60px -20px rgba(10, 15, 25, 0.28);

  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
  --dur: 0.6s;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

body, h1, h2, h3, h4, p, figure, blockquote, dl, dd, ul, ol {
  margin: 0;
}
ul, ol { padding: 0; list-style: none; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; color: inherit; }
a { color: inherit; text-decoration: none; }
svg { display: block; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  line-height: 1.5;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy-900);
  color: var(--white);
  padding: 14px 20px;
  z-index: 1000;
  border-radius: 0 0 8px 0;
}
.skip-link:focus {
  left: 0;
}

:focus-visible {
  outline: 2px solid var(--gold-600);
  outline-offset: 3px;
}

/* ---------- Layout helpers ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}
@media (min-width: 768px) {
  .container { padding-inline: 32px; }
}

section { position: relative; }

.section-pad { padding-block: 88px; }
@media (min-width: 1024px) { .section-pad { padding-block: 128px; } }

.section-pad-sm { padding-block: 56px; }
@media (min-width: 1024px) { .section-pad-sm { padding-block: 80px; } }

.bg-navy { background: var(--navy-900); color: var(--white); }
.bg-gray { background: var(--gray-50); }
.bg-white { background: var(--white); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold-500);
}
.bg-navy .eyebrow { color: var(--gold-400); }

.section-head {
  max-width: 720px;
  margin-bottom: 56px;
}
.section-head.center { margin-inline: auto; text-align: center; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.01em;
  color: var(--navy-900);
}
.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }

h2 { font-size: clamp(30px, 4vw, 46px); }
h3 { font-size: clamp(20px, 2.4vw, 26px); }

.lede {
  font-size: clamp(16px, 1.6vw, 19px);
  color: var(--gray-600);
  line-height: 1.65;
}
.bg-navy .lede { color: rgba(255,255,255,0.72); }

.body-text { color: var(--gray-600); line-height: 1.7; }
.bg-navy .body-text { color: rgba(255,255,255,0.7); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.35s var(--ease), background-color 0.35s var(--ease), border-color 0.35s var(--ease), color 0.35s var(--ease), box-shadow 0.35s var(--ease);
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }

.btn-gold {
  background: var(--gold-600);
  color: var(--white);
  box-shadow: 0 8px 20px -8px rgba(168, 129, 58, 0.55);
}
.btn-gold:hover { background: var(--gold-700); box-shadow: 0 10px 26px -8px rgba(168, 129, 58, 0.6); }

.btn-outline {
  background: transparent;
  border-color: rgba(16, 22, 31, 0.16);
  color: var(--navy-900);
}
.btn-outline:hover { border-color: var(--navy-900); background: rgba(16,22,31,0.03); }

.bg-navy .btn-outline { border-color: rgba(255,255,255,0.28); color: var(--white); }
.bg-navy .btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.06); }

.btn-navy {
  background: var(--navy-900);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-800); }

.btn-sm { padding: 11px 20px; font-size: 13.5px; }
.btn-block { width: 100%; }

.btn-text {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--navy-900);
  border-bottom: 1px solid var(--gold-500);
  padding-bottom: 3px;
  transition: gap 0.3s var(--ease), color 0.3s var(--ease);
}
.btn-text:hover { gap: 12px; color: var(--gold-700); }
.bg-navy .btn-text { color: var(--white); }
.bg-navy .btn-text:hover { color: var(--gold-400); }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 500;
  background: rgba(7, 13, 22, 0.0);
  border-bottom: 1px solid transparent;
  transition: background-color 0.4s var(--ease), border-color 0.4s var(--ease), backdrop-filter 0.4s var(--ease), box-shadow .4s var(--ease);
}
.site-header.is-scrolled {
  background: rgba(7, 13, 22, 0.86);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border-bottom-color: rgba(255,255,255,0.08);
  box-shadow: var(--shadow-sm);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  color: var(--white);
}
.brand-mark {
  height: 34px;
  width: auto;
  flex-shrink: 0;
  object-fit: contain;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.12;
}
.brand-text strong {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 600;
  letter-spacing: 0.01em;
}
.brand-text span {
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-400);
}

.nav-links {
  display: none;
  align-items: center;
  gap: 34px;
}
@media (min-width: 1024px) {
  .nav-links { display: flex; }
}
.nav-links a {
  font-size: 14.5px;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  position: relative;
  padding-block: 6px;
  transition: color 0.3s var(--ease);
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 1px;
  background: var(--gold-400);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s var(--ease);
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after { transform: scaleX(1); }

.nav-actions { display: flex; align-items: center; gap: 14px; }
.nav-cta { display: none; }
@media (min-width: 1024px) { .nav-cta { display: inline-flex; } }

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  background: transparent;
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-sm);
  color: var(--white);
}
@media (min-width: 1024px) { .nav-toggle { display: none; } }
.nav-toggle svg { width: 18px; height: 18px; }

.mobile-menu {
  position: fixed;
  inset: 0;
  background: var(--navy-950);
  z-index: 600;
  padding: 24px;
  display: flex;
  flex-direction: column;
  transform: translateY(-8px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.35s var(--ease), transform 0.35s var(--ease);
}
.mobile-menu.is-open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.mobile-menu-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 58px;
}
.mobile-menu-close {
  width: 42px; height: 42px;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-sm);
  color: var(--white);
  background: transparent;
}
.mobile-menu-close svg { width: 16px; height: 16px; }
.mobile-links {
  margin-top: 32px;
  display: flex;
  flex-direction: column;
}
.mobile-links a {
  font-family: var(--font-display);
  font-size: 28px;
  color: var(--white);
  padding-block: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.09);
}
.mobile-menu-foot {
  margin-top: auto;
  padding-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.mobile-menu-foot a { color: rgba(255,255,255,0.7); font-size: 14.5px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding-top: 168px;
  padding-bottom: 96px;
  background: linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
  color: var(--white);
  overflow: hidden;
}
@media (min-width: 1024px) {
  .hero { padding-top: 200px; padding-bottom: 130px; }
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(191,154,84,0.35) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.12;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}
@media (min-width: 1024px) {
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; gap: 40px; }
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 24px;
}
.hero-eyebrow::before { content:""; width: 28px; height: 1px; background: var(--gold-400); }
.hero h1 {
  font-size: clamp(36px, 5.6vw, 64px);
  letter-spacing: -0.02em;
  max-width: 15ch;
}
.hero p.lede {
  margin-top: 26px;
  max-width: 52ch;
  color: rgba(255,255,255,0.72);
}
.hero-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 40px;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, auto);
  gap: 34px;
  margin-top: 64px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-stats div strong {
  display: block;
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--white);
}
.hero-stats div span {
  font-size: 12.5px;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.03em;
}

.hero-art {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.12);
  background: linear-gradient(160deg, #16263d 0%, #0b1524 70%);
}
.hero-art svg { width: 100%; height: 100%; }
.hero-art-badge {
  position: absolute;
  left: 24px;
  bottom: 24px;
  right: 24px;
  background: rgba(7,13,22,0.72);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.hero-art-badge svg { width: 22px; height: 22px; color: var(--gold-400); flex-shrink: 0; }
.hero-art-badge strong { display:block; font-size: 14px; font-weight: 600; }
.hero-art-badge span { font-size: 12.5px; color: rgba(255,255,255,0.6); }

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--navy-950);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-block: 34px;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (min-width: 768px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); gap: 20px; }
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.8);
}
.trust-item svg { width: 20px; height: 20px; color: var(--gold-400); flex-shrink: 0; }
.trust-item span { font-size: 14px; font-weight: 500; letter-spacing: 0.01em; }

/* ---------- Cards ---------- */
.card-grid-3 {
  display: grid;
  gap: 24px;
}
@media (min-width: 768px) {
  .card-grid-3 { grid-template-columns: repeat(3, 1fr); }
}
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 36px 30px;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color .4s var(--ease);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gray-300);
}
.card-index {
  font-family: var(--font-display);
  font-size: 13px;
  color: var(--gold-600);
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 12px; }
.card p { color: var(--gray-600); font-size: 15px; line-height: 1.65; }
.card-icon {
  width: 46px; height: 46px;
  border-radius: 10px;
  background: var(--navy-900);
  color: var(--gold-400);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.card-icon svg { width: 22px; height: 22px; }

/* ---------- Loan options ---------- */
.loan-grid {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .loan-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .loan-grid { grid-template-columns: repeat(3, 1fr); } }

.loan-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  overflow: hidden;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color .4s var(--ease);
}
.loan-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-700));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}
.loan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gray-300); }
.loan-card:hover::before { transform: scaleX(1); }
.loan-tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--gold-700);
  background: var(--gold-50);
  border: 1px solid var(--gold-100);
  padding: 5px 10px;
  border-radius: 100px;
  margin-bottom: 18px;
}
.loan-card h3 { margin-bottom: 10px; font-size: 21px; }
.loan-card p { color: var(--gray-600); font-size: 14.5px; line-height: 1.65; }

.center-cta { text-align: center; margin-top: 48px; }

/* ---------- Steps ---------- */
.steps-grid {
  display: grid;
  gap: 32px;
  margin-top: 8px;
}
@media (min-width: 768px) { .steps-grid { grid-template-columns: repeat(3, 1fr); gap: 28px; } }
.step {
  position: relative;
  padding-top: 8px;
}
.step-num {
  font-family: var(--font-display);
  font-size: 44px;
  color: var(--gold-500);
  line-height: 1;
  margin-bottom: 18px;
}
.step h3 { margin-bottom: 10px; }
.step p { color: var(--gray-600); font-size: 15px; line-height: 1.65; }

/* ---------- Split section ---------- */
.split {
  display: grid;
  gap: 48px;
  align-items: center;
}
@media (min-width: 1024px) {
  .split { grid-template-columns: 1fr 1fr; gap: 72px; }
  .split.reverse .split-media { order: 2; }
}
.split-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 5/4;
  border: 1px solid var(--gray-200);
}
.split-media svg { width: 100%; height: 100%; }

/* ---------- Benefits ---------- */
.benefit-grid {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 1024px) { .benefit-grid { grid-template-columns: repeat(4, 1fr); } }
.benefit {
  text-align: left;
  padding: 8px 0;
}
.benefit .card-icon { background: rgba(191,154,84,0.14); color: var(--gold-400); }
.benefit h3 { font-size: 18px; margin-bottom: 8px; }
.benefit p { color: rgba(255,255,255,0.64); font-size: 14px; line-height: 1.6; }

/* ---------- About ---------- */
.about-grid {
  display: grid;
  gap: 48px;
  align-items: center;
}
@media (min-width: 1024px) {
  .about-grid { grid-template-columns: 0.85fr 1.15fr; gap: 64px; }
}
.headshot {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  border: 1px solid var(--gray-200);
  background: linear-gradient(160deg, var(--navy-800), var(--navy-950));
}
.headshot svg { width: 100%; height: 100%; }
.headshot-caption {
  position: absolute;
  left: 20px; right: 20px; bottom: 20px;
  background: rgba(7,13,22,0.7);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  color: var(--white);
}
.headshot-caption strong { display:block; font-size: 14.5px; }
.headshot-caption span { font-size: 12.5px; color: var(--gold-400); }
.about-quote {
  font-family: var(--font-display);
  font-size: clamp(19px, 2.2vw, 24px);
  line-height: 1.5;
  color: var(--navy-900);
  margin-block: 24px;
}
.about-quote::before { content: "\201C"; color: var(--gold-500); }
.about-quote::after { content: "\201D"; color: var(--gold-500); }

/* ---------- Calculator ---------- */
.calc-panel {
  display: grid;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
@media (min-width: 1024px) {
  .calc-panel { grid-template-columns: 1.15fr 1fr; }
}
.calc-inputs { padding: 40px 32px; }
@media (min-width: 768px) { .calc-inputs { padding: 48px; } }
.calc-results {
  background: var(--navy-900);
  color: var(--white);
  padding: 40px 32px;
}
@media (min-width: 768px) { .calc-results { padding: 48px; } }

.field-grid {
  display: grid;
  gap: 20px;
  grid-template-columns: repeat(2, 1fr);
}
.field { display: flex; flex-direction: column; gap: 8px; }
.field.full { grid-column: 1 / -1; }
.field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-700);
  letter-spacing: 0.01em;
}
.input-affix {
  position: relative;
  display: flex;
  align-items: center;
}
.input-affix span {
  position: absolute;
  left: 14px;
  color: var(--gray-500);
  font-size: 14.5px;
  pointer-events: none;
}
.input-affix.suffix span { left: auto; right: 14px; }
.field input, .field select {
  width: 100%;
  border: 1px solid var(--gray-300);
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  font-size: 14.5px;
  transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.input-affix.prefix input { padding-left: 28px; }
.input-affix.suffix input { padding-right: 32px; }
.field input:focus, .field select:focus {
  border-color: var(--gold-600);
  box-shadow: 0 0 0 3px rgba(191,154,84,0.18);
  outline: none;
}
.calc-note { margin-top: 24px; font-size: 12.5px; color: var(--gray-500); line-height: 1.6; }

.result-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  padding-block: 13px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 14.5px;
  color: rgba(255,255,255,0.7);
}
.result-row span:last-child { color: var(--white); font-weight: 500; }
.result-total {
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.16);
}
.result-total .result-label { font-size: 13px; color: rgba(255,255,255,0.6); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 6px; }
.result-total .result-amount { font-family: var(--font-display); font-size: 40px; color: var(--gold-400); }
.result-total .result-amount span { font-size: 16px; color: rgba(255,255,255,0.5); font-family: var(--font-body); }
.result-cashclose {
  margin-top: 24px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.result-cashclose span:first-child { font-size: 13.5px; color: rgba(255,255,255,0.68); }
.result-cashclose strong { font-family: var(--font-display); font-size: 21px; color: var(--white); }
.result-disclaimer {
  margin-top: 20px;
  font-size: 12px;
  line-height: 1.6;
  color: rgba(255,255,255,0.45);
}

/* ---------- Form ---------- */
.form-panel {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  box-shadow: var(--shadow-md);
}
@media (min-width: 768px) { .form-panel { padding: 56px; } }
.form-grid {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .form-grid { grid-template-columns: repeat(2, 1fr); } }
.form-grid .field.full { grid-column: 1 / -1; }
.radio-row { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-pill {
  border: 1px solid var(--gray-300);
  border-radius: 100px;
  padding: 10px 18px;
  font-size: 13.5px;
  font-weight: 500;
  cursor: pointer;
  transition: border-color 0.25s var(--ease), background-color .25s var(--ease), color .25s var(--ease);
  color: var(--gray-700);
}
.radio-pill input { position: absolute; opacity: 0; pointer-events: none; }
.radio-pill:has(input:checked) {
  border-color: var(--navy-900);
  background: var(--navy-900);
  color: var(--white);
}
.field textarea {
  width: 100%;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  font-size: 14.5px;
  min-height: 110px;
  resize: vertical;
}
.field textarea:focus { border-color: var(--gold-600); box-shadow: 0 0 0 3px rgba(191,154,84,0.18); outline: none; }
.form-foot {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.form-privacy { font-size: 12.5px; color: var(--gray-500); line-height: 1.6; }
.form-privacy a { color: var(--navy-900); text-decoration: underline; text-decoration-color: var(--gold-500); text-underline-offset: 2px; }
.hp-field {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}
.form-error {
  display: none;
  font-size: 13.5px;
  color: #a5432f;
  background: #fbeeeb;
  border: 1px solid #f0d3cb;
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  line-height: 1.5;
}
.form-error.is-visible { display: block; }
#form-submit[disabled] { opacity: 0.7; cursor: not-allowed; }
.form-success {
  display: none;
  text-align: center;
  padding: 48px 20px;
}
.form-success.is-visible { display: block; }
.form-success svg { width: 46px; height: 46px; color: var(--gold-600); margin-inline: auto; margin-bottom: 20px; }
.form-success h3 { margin-bottom: 10px; }
.form-success p { color: var(--gray-600); max-width: 44ch; margin-inline: auto; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 800px; margin-inline: auto; border-top: 1px solid var(--gray-200); }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 24px 4px;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 17px;
  color: var(--navy-900);
}
@media (min-width: 768px) { .faq-q { font-size: 18.5px; } }
.faq-q svg {
  width: 18px; height: 18px;
  flex-shrink: 0;
  color: var(--gold-600);
  transition: transform 0.35s var(--ease);
}
.faq-item.is-open .faq-q svg { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease);
}
.faq-a-inner { padding: 0 4px 26px; color: var(--gray-600); font-size: 15px; line-height: 1.7; max-width: 68ch; }

/* ---------- Final CTA ---------- */
.final-cta {
  background: var(--navy-950);
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 0%, rgba(191,154,84,0.14), transparent 60%);
}
.final-cta .container { position: relative; z-index: 1; }
.final-cta h2 { max-width: 18ch; margin-inline: auto; }
.final-cta .lede { max-width: 56ch; margin-inline: auto; margin-top: 20px; }
.final-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  margin-top: 40px;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: rgba(255,255,255,0.68);
  padding-top: 72px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-grid {
  display: grid;
  gap: 44px;
  grid-template-columns: 1fr;
  padding-bottom: 48px;
}
@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 1.4fr 0.8fr 0.8fr 1fr; gap: 32px; }
}
.footer-brand .brand { color: var(--white); margin-bottom: 18px; }
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 34ch; color: rgba(255,255,255,0.55); }
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a, .footer-col span { font-size: 14px; color: rgba(255,255,255,0.62); transition: color 0.25s var(--ease); }
.footer-col a:hover { color: var(--white); }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-block: 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
@media (min-width: 768px) {
  .footer-legal { flex-direction: row; align-items: flex-start; justify-content: space-between; }
}
.equal-housing {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.equal-housing svg { width: 30px; height: 30px; color: rgba(255,255,255,0.55); }
.equal-housing span { font-size: 11.5px; line-height: 1.5; color: rgba(255,255,255,0.45); max-width: 22ch; }
.footer-disclosure {
  font-size: 11.5px;
  line-height: 1.75;
  color: rgba(255,255,255,0.4);
  max-width: 900px;
}
.footer-links-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}
.footer-links-row a { font-size: 12.5px; color: rgba(255,255,255,0.5); }
.footer-links-row a:hover { color: var(--white); }
.footer-bottom {
  padding-block: 22px;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.06);
}

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}
.reveal-stagger.in-view > * { transition-delay: calc(var(--i, 0) * 90ms); }

/* ---------- Misc ---------- */
.two-col-head {
  display: grid;
  gap: 32px;
  align-items: end;
  margin-bottom: 56px;
}
@media (min-width: 1024px) {
  .two-col-head { grid-template-columns: 1.2fr 0.8fr; }
}
.badge-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.badge-pill {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy-900);
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  padding: 7px 14px;
  border-radius: 100px;
}
.bg-navy .badge-pill { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.14); color: var(--white); }

.divider { height: 1px; background: var(--gray-200); }

/* ---------- Legal content pages ---------- */
.legal-hero {
  padding-top: 168px;
  padding-bottom: 40px;
  background: var(--navy-950);
}
@media (min-width: 1024px) { .legal-hero { padding-top: 200px; } }
.legal-hero .eyebrow { justify-content: flex-start; }
.legal-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4vw, 46px);
}
.legal-hero p {
  color: rgba(255,255,255,0.6);
  font-size: 13.5px;
  margin-top: 14px;
}
.legal-content { max-width: 760px; }
.legal-content h2 {
  font-size: clamp(20px, 2.4vw, 24px);
  margin-top: 48px;
  margin-bottom: 14px;
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 {
  font-size: 16.5px;
  margin-top: 26px;
  margin-bottom: 10px;
  color: var(--navy-900);
}
.legal-content p {
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 16px;
  font-size: 15.5px;
}
.legal-content ul, .legal-content ol {
  margin: 0 0 16px;
  padding-left: 22px;
}
.legal-content ul { list-style: disc; }
.legal-content ol { list-style: decimal; }
.legal-content li {
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 8px;
  font-size: 15.5px;
}
.legal-content a {
  color: var(--navy-900);
  text-decoration: underline;
  text-decoration-color: var(--gold-500);
  text-underline-offset: 3px;
}
.legal-content strong { color: var(--navy-900); }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}