/* ============================================================
   MICHAEL ZACHMAN — Delray Beach Mortgage Advisor
   Design system
   ============================================================ */

/* Skip link — visible on focus only */
.skip-link {
  position: absolute;
  top: -100px;
  left: 12px;
  z-index: 1000;
  background: #0E2A47;
  color: #FAF8F3;
  padding: 12px 18px;
  border: 2px solid #C8A24A;
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: top 0.15s ease;
}
.skip-link:focus {
  top: 12px;
  outline: 2px solid #C8A24A;
  outline-offset: 2px;
}

:root {
  /* Coastal-confident palette */
  --c-navy: #0E2A47;
  --c-navy-deep: #081B30;
  --c-navy-soft: #1A4068;
  --c-gold: #C8A24A;
  --c-gold-dark: #A4832F;
  --c-linen: #F4EFE7;
  --c-cream: #FAF8F3;
  --c-white: #FFFFFF;
  --c-graphite: #1A1A1A;
  --c-text: #20242C;
  --c-text-soft: #5A6371;
  --c-text-mute: #8A92A0;
  --c-border: rgba(14, 42, 71, 0.10);
  --c-border-soft: rgba(14, 42, 71, 0.06);
  --c-teal: #1F8A8A;
  --c-coral: #D9523A;

  /* Type scale */
  --text-xs: clamp(0.75rem, 0.72rem + 0.15vw, 0.8125rem);
  --text-sm: clamp(0.875rem, 0.85rem + 0.15vw, 0.9375rem);
  --text-base: clamp(1rem, 0.95rem + 0.2vw, 1.0625rem);
  --text-lg: clamp(1.125rem, 1.05rem + 0.3vw, 1.25rem);
  --text-xl: clamp(1.5rem, 1.3rem + 1vw, 2.25rem);
  --text-2xl: clamp(2rem, 1.6rem + 2vw, 3.25rem);
  --text-3xl: clamp(2.5rem, 2rem + 3vw, 4.5rem);
  --text-hero: clamp(2.75rem, 2rem + 4.5vw, 5.5rem);

  /* Spacing */
  --s-1: 4px; --s-2: 8px; --s-3: 12px; --s-4: 16px; --s-5: 20px;
  --s-6: 24px; --s-8: 32px; --s-10: 40px; --s-12: 48px; --s-16: 64px;
  --s-20: 80px; --s-24: 96px; --s-32: 128px;

  /* Radius */
  --r-sm: 6px; --r-md: 12px; --r-lg: 16px; --r-xl: 24px; --r-full: 999px;

  /* Shadow */
  --shadow-sm: 0 1px 2px rgba(14, 42, 71, 0.04), 0 2px 8px rgba(14, 42, 71, 0.04);
  --shadow-md: 0 4px 16px rgba(14, 42, 71, 0.08), 0 1px 3px rgba(14, 42, 71, 0.06);
  --shadow-lg: 0 12px 40px rgba(14, 42, 71, 0.12), 0 4px 12px rgba(14, 42, 71, 0.06);

  /* Container */
  --container: 1240px;
  --container-narrow: 880px;

  /* Easing */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);

  --color-accent: var(--c-gold);
}

/* ============================================================
   Typography
   ============================================================ */
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: var(--text-base);
  color: var(--c-text);
  background: var(--c-cream);
  -webkit-font-feature-settings: "ss01", "cv11";
  font-feature-settings: "ss01", "cv11";
}

.serif { font-family: 'Fraunces', 'Source Serif 4', Georgia, serif; font-optical-sizing: auto; }

h1, h2, h3, h4 { font-family: 'Fraunces', 'Source Serif 4', Georgia, serif; color: var(--c-navy); letter-spacing: -0.02em; line-height: 1.05; font-weight: 500; font-variation-settings: "SOFT" 0, "WONK" 0; }
h1 { font-size: var(--text-hero); }
h2 { font-size: var(--text-2xl); line-height: 1.1; }
h3 { font-size: var(--text-xl); line-height: 1.2; }
h4 { font-size: var(--text-lg); line-height: 1.3; font-weight: 600; }

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--c-gold-dark);
}

.lead { font-size: var(--text-lg); color: var(--c-text-soft); line-height: 1.55; }

/* ============================================================
   Layout
   ============================================================ */
.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--s-6); }
@media (min-width: 768px) { .container { padding: 0 var(--s-10); } }

.section { padding: clamp(var(--s-16), 8vw, var(--s-32)) 0; }
.section-sm { padding: clamp(var(--s-12), 6vw, var(--s-20)) 0; }

.section-head { max-width: 720px; margin-bottom: var(--s-12); }
.section-head .eyebrow { margin-bottom: var(--s-3); display: inline-block; }
.section-head p { margin-top: var(--s-4); color: var(--c-text-soft); font-size: var(--text-lg); }

.center { text-align: center; }
.center.section-head { margin-left: auto; margin-right: auto; }

/* ============================================================
   Sticky header
   ============================================================ */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(250, 248, 243, 0.85);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--c-border-soft);
}
.header-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: var(--s-4) var(--s-6);
  display: flex; align-items: center; justify-content: space-between; gap: var(--s-4);
}
@media (min-width: 768px) {
  .header-inner { padding: var(--s-5) var(--s-10); }
}
.logo {
  display: flex; align-items: center; gap: 12px;
  color: var(--c-navy);
  text-decoration: none;
}
.logo-mark {
  width: 38px; height: 38px; flex-shrink: 0;
  display: block;
}
/* CCM monogram color treatment via filter for img-loaded SVG */
.logo-mark.ccm {
  /* navy #0E2A47 from black via filter */
  filter: brightness(0) saturate(100%) invert(13%) sepia(34%) saturate(1593%) hue-rotate(184deg) brightness(94%) contrast(94%);
}
.footer-brand .logo-mark.ccm,
.header.dark .logo-mark.ccm {
  /* cream #FAF8F3 from black via filter (for navy backgrounds) */
  filter: brightness(0) saturate(100%) invert(98%) sepia(7%) saturate(282%) hue-rotate(353deg) brightness(101%) contrast(96%);
}
.logo-divider {
  width: 1px; height: 34px; flex-shrink: 0;
  background: linear-gradient(to bottom, transparent 0%, var(--c-gold) 22%, var(--c-gold) 78%, transparent 100%);
}
.footer-brand .logo-divider {
  background: linear-gradient(to bottom, transparent 0%, var(--c-gold-light, #E0BF7D) 22%, var(--c-gold-light, #E0BF7D) 78%, transparent 100%);
}
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name { font-family: 'Fraunces', serif; font-size: 1.625rem; font-weight: 600; letter-spacing: -0.015em; color: var(--c-navy); margin-bottom: 5px; line-height: 1; }
.footer-brand .logo-name { color: var(--c-cream); }
.logo-sub { font-size: 0.68rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--c-gold-dark); font-weight: 600; }
.footer-brand .logo-sub { color: rgba(224,191,125,0.85); }

.nav { display: none; gap: var(--s-6); }
@media (min-width: 1024px) { .nav { display: flex; align-items: center; } }
.nav a {
  font-size: var(--text-sm);
  color: var(--c-text);
  font-weight: 500;
  position: relative;
  transition: color 0.2s var(--ease);
}
.nav a:hover { color: var(--c-navy); }
.nav a::after {
  content: ''; position: absolute; bottom: -6px; left: 0; right: 0; height: 2px; background: var(--c-gold);
  transform: scaleX(0); transform-origin: left; transition: transform 0.3s var(--ease);
}
.nav a:hover::after { transform: scaleX(1); }

.header-cta { display: flex; align-items: center; gap: var(--s-3); }
.header-phone {
  display: none;
  font-size: var(--text-sm); font-weight: 600; color: var(--c-navy);
}
@media (min-width: 768px) { .header-phone { display: inline-flex; align-items: center; gap: 6px; } }
.header-phone svg { width: 14px; height: 14px; color: var(--c-gold-dark); }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s-2);
  padding: 14px 22px;
  font-size: var(--text-sm); font-weight: 600;
  border-radius: var(--r-full);
  white-space: nowrap;
  letter-spacing: -0.005em;
}
/* Glossy variant overrides live in motion.css — these are color-of-record fallbacks. */
.btn-primary { background: var(--c-navy); color: var(--c-cream); }
.btn-gold    { background: var(--c-gold); color: var(--c-navy-deep); }
.btn-ghost   { background: transparent; color: var(--c-navy); border: 1.5px solid var(--c-navy); }
.btn-light   { background: rgba(255,255,255,0.12); color: var(--c-cream); border: 1.5px solid rgba(255,255,255,0.25); }
.btn-lg { padding: 18px 28px; font-size: var(--text-base); }
.btn-sm { padding: 10px 16px; font-size: var(--text-xs); }

.btn .arrow { transition: transform 0.25s var(--ease); }
.btn:hover .arrow { transform: translateX(3px); }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  padding: clamp(var(--s-10), 6vw, var(--s-20)) 0 clamp(var(--s-16), 8vw, var(--s-24));
  position: relative;
  overflow: hidden;
}
.hero-grid {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--s-6);
  display: grid;
  gap: var(--s-12);
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 768px) { .hero-grid { padding: 0 var(--s-10); } }
@media (min-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr 0.85fr; gap: var(--s-16); }
}
/* Mobile-forward: content first, image second */
.hero-copy { order: 1; }
.hero-image { order: 2; }

.hero h1 {
  margin-top: var(--s-5);
  font-size: clamp(2.5rem, 2rem + 3vw, 4.75rem);
  letter-spacing: -0.025em;
  line-height: 1.12;
  padding-bottom: 0.08em;
  overflow: visible;
}
.hero h1 em {
  font-style: italic;
  color: var(--c-gold-dark);
  font-weight: 400;
  display: inline-block;
  line-height: 1.12;
  padding-bottom: 0.06em;
  overflow: visible;
}
.hero-sub {
  margin-top: var(--s-6);
  font-size: var(--text-lg);
  color: var(--c-text-soft);
  line-height: 1.55;
  max-width: 540px;
}

.star-strip {
  margin-top: var(--s-6);
  display: inline-flex; align-items: center; gap: var(--s-3);
  padding: 10px 16px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-full);
  box-shadow: var(--shadow-sm);
}
.stars { color: var(--c-gold); letter-spacing: 1px; font-size: 0.95rem; }
.star-strip-text { font-size: var(--text-sm); color: var(--c-text); font-weight: 500; }
.star-strip-text b { color: var(--c-navy); }

.hero-ctas {
  margin-top: var(--s-8);
  display: flex; flex-wrap: wrap; gap: var(--s-5); align-items: center;
}
.hero-cta-primary {
  /* Make the primary stand out clearly as the dominant action */
  box-shadow: 0 18px 38px -16px rgba(200, 162, 74, 0.55), 0 4px 14px -4px rgba(14, 42, 71, 0.18);
}
.hero-cta-secondary {
  display: inline-flex; align-items: center; gap: 12px;
  color: var(--c-navy); text-decoration: none;
  font-family: var(--font-sans); font-weight: 500;
  padding: 6px 10px;
  border-radius: 10px;
  transition: color 200ms ease, transform 200ms ease;
}
.hero-cta-secondary svg { width: 22px; height: 22px; color: var(--c-gold); flex-shrink: 0; }
.hero-cta-secondary span { display: inline-flex; flex-direction: column; line-height: 1.15; }
.hero-cta-secondary-label { font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--c-text-mute); font-weight: 600; }
.hero-cta-secondary b { font-size: var(--text-base); color: var(--c-navy); letter-spacing: 0.02em; }
.hero-cta-secondary:hover { color: var(--c-navy-deep); transform: translateX(2px); }
.hero-cta-secondary:hover svg { color: var(--c-navy); }

.hero-badges {
  margin-top: var(--s-6);
  display: flex; flex-wrap: wrap; gap: 10px 12px;
}
.hero-badge-chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 14px 7px 12px;
  border-radius: 999px;
  background: rgba(14, 42, 71, 0.045);
  border: 1px solid rgba(14, 42, 71, 0.12);
  font-size: var(--text-xs); color: var(--c-text);
  letter-spacing: 0.01em;
  line-height: 1.2;
}
.hero-badge-chip b { color: var(--c-navy); font-weight: 600; }
.hero-badge-chip svg { width: 16px; height: 16px; color: var(--c-gold); flex-shrink: 0; }
.hero-badge-chip .stars { font-size: 12px; letter-spacing: 0.5px; }

.hero-quote {
  margin: var(--s-7) 0 0;
  padding: var(--s-5) var(--s-6);
  border-left: 3px solid var(--c-gold);
  background: linear-gradient(180deg, rgba(200,162,74,0.05) 0%, rgba(200,162,74,0) 100%);
  border-radius: 0 12px 12px 0;
  max-width: 560px;
}
.hero-quote .stars { color: var(--c-gold); font-size: 12px; letter-spacing: 1px; display: block; margin-bottom: 8px; }
.hero-quote blockquote {
  margin: 0 0 10px;
  font-family: var(--font-serif);
  font-size: clamp(1.05rem, 1rem + 0.3vw, 1.2rem);
  font-style: italic;
  font-weight: 400;
  color: var(--c-navy);
  line-height: 1.4;
  letter-spacing: -0.005em;
}
.hero-quote figcaption {
  font-size: var(--text-xs);
  color: var(--c-text-mute);
  letter-spacing: 0.04em;
}
.hero-quote figcaption span {
  color: var(--c-gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 10px;
}

.hero-meta {
  margin-top: var(--s-7);
  display: flex; flex-wrap: wrap; gap: var(--s-2) var(--s-5);
  font-size: var(--text-xs);
  color: var(--c-text-mute);
  letter-spacing: 0.04em;
}
.hero-meta span { display: inline-flex; align-items: center; gap: 6px; }
.hero-meta .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--c-text-mute); }

.hero-image-wrap {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-lg);
  background: var(--c-linen);
  max-width: 460px;
  margin: 0 auto;
}
@media (min-width: 1024px) {
  .hero-image-wrap { aspect-ratio: 3/4; max-width: none; }
}
.hero-image-wrap img { width: 100%; height: 100%; object-fit: cover; }
.hero-image-wrap::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(14,42,71,0.15));
  pointer-events: none;
}
.hero-badge {
  position: absolute; bottom: var(--s-6); left: var(--s-6); right: var(--s-6);
  background: rgba(250, 248, 243, 0.94);
  backdrop-filter: blur(8px);
  border-radius: var(--r-md);
  padding: var(--s-4) var(--s-5);
  display: flex; align-items: center; gap: var(--s-4);
  box-shadow: var(--shadow-md);
}
.hero-badge-num {
  font-family: 'Fraunces', serif;
  font-size: 1.75rem;
  color: var(--c-navy);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1;
}
.hero-badge-text {
  font-size: var(--text-xs);
  color: var(--c-text-soft);
  line-height: 1.3;
}
.hero-badge-text b { display: block; color: var(--c-navy); font-size: var(--text-sm); margin-bottom: 2px; }

/* ============================================================
   Proof Strip
   ============================================================ */
.proof-strip {
  background: var(--c-navy);
  color: var(--c-cream);
  padding: var(--s-16) 0;
  position: relative;
}
.proof-strip::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(200,162,74,0.3), transparent);
}
.proof-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-8) var(--s-4);
}
@media (min-width: 768px) { .proof-grid { grid-template-columns: repeat(4, 1fr); } }
.proof-item { text-align: center; display: flex; flex-direction: column; justify-content: center; align-items: center; }
.proof-num {
  font-family: 'Fraunces', serif;
  font-size: clamp(2rem, 1.6rem + 1.8vw, 2.75rem);
  font-weight: 400;
  letter-spacing: -0.02em;
  color: var(--c-gold);
  line-height: 1;
  margin-bottom: var(--s-2);
}
.proof-label {
  font-size: var(--text-xs);
  color: rgba(244, 239, 231, 0.75);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 500;
  line-height: 1.4;
}
.proof-item-accolade { display: flex; flex-direction: column; align-items: center; gap: var(--s-2); }
.proof-item-accolade .accolade-mark {
  width: 36px; height: 36px;
  color: var(--c-gold);
  margin-bottom: var(--s-1);
}
.proof-item-accolade .accolade-num {
  font-size: clamp(1.1rem, 0.95rem + 0.7vw, 1.5rem);
  font-style: italic;
  letter-spacing: -0.01em;
  margin-bottom: 0;
}
.proof-item-accolade .proof-label { color: var(--c-gold); opacity: 0.95; }

/* ============================================================
   Why Michael
   ============================================================ */
.why-grid {
  display: grid;
  gap: var(--s-8);
  grid-template-columns: 1fr;
}
@media (min-width: 700px) { .why-grid { grid-template-columns: repeat(2, 1fr); gap: var(--s-10); } }
@media (min-width: 1100px) { .why-grid { grid-template-columns: repeat(4, 1fr); gap: var(--s-8); } }
.why-item { padding: 0; }
.why-num {
  font-family: 'Fraunces', serif;
  font-size: 1rem;
  color: var(--c-gold-dark);
  font-style: italic;
  margin-bottom: var(--s-3);
}
.why-item h3 {
  font-size: clamp(1.4rem, 1.2rem + 0.6vw, 1.7rem);
  margin-bottom: var(--s-3);
  line-height: 1.2;
}
.why-item p { color: var(--c-text-soft); line-height: 1.6; }

/* ============================================================
   Reviews
   ============================================================ */
.reviews-section { background: var(--c-linen); }
.reviews-head {
  display: flex; flex-direction: column; gap: var(--s-4);
  margin-bottom: var(--s-12);
}
@media (min-width: 768px) {
  .reviews-head {
    flex-direction: row; align-items: flex-end; justify-content: space-between;
  }
}
.reviews-rating {
  display: flex; align-items: center; gap: var(--s-4);
  margin-top: var(--s-3);
}
.reviews-rating .big { font-family: 'Fraunces', serif; font-size: 2.5rem; color: var(--c-navy); font-weight: 400; line-height: 1; }
.reviews-rating .stars { font-size: 1.2rem; }
.reviews-rating .meta { font-size: var(--text-sm); color: var(--c-text-soft); }
.reviews-lede { margin-top: var(--s-3); font-size: var(--text-base); color: var(--c-text); max-width: 56ch; line-height: 1.55; }

/* Verified-platform cards */
.review-platforms {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
  margin-bottom: var(--s-10);
}
@media (min-width: 760px) {
  .review-platforms { grid-template-columns: repeat(2, 1fr); gap: var(--s-5); }
}
.platform-card {
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-rows: auto auto;
  column-gap: var(--s-4);
  row-gap: var(--s-2);
  align-items: start;
  padding: var(--s-5) var(--s-6);
  background: var(--c-white);
  border: 1px solid var(--c-border-soft);
  border-radius: var(--r-lg);
  text-decoration: none;
  color: inherit;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
  position: relative;
  overflow: hidden;
}
.platform-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--c-gold);
}
.platform-card.platform-google::before { background: linear-gradient(90deg, #4285F4 0%, #34A853 33%, #FBBC04 66%, #EA4335 100%); }
.platform-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--c-navy);
}
.platform-badge {
  grid-row: 1 / span 2;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--c-navy);
  color: var(--c-gold);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.platform-badge-google { background: var(--c-cream); border: 1px solid var(--c-border-soft); }
.platform-body { min-width: 0; }
.platform-name {
  font-family: 'Fraunces', serif;
  font-size: 1.25rem;
  color: var(--c-navy);
  font-weight: 500;
  letter-spacing: -0.01em;
  display: flex; align-items: center; gap: var(--s-2); flex-wrap: wrap;
}
.platform-verified {
  font-family: 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--c-gold-dark, #8a6f1f);
  background: rgba(200,162,74,0.12);
  padding: 2px 8px;
  border-radius: 999px;
}
.platform-stars { margin-top: var(--s-1); font-size: var(--text-sm); color: var(--c-text); }
.platform-stars .stars { color: var(--c-gold); letter-spacing: 1px; margin-right: 4px; }
.platform-stars b { color: var(--c-navy); font-weight: 600; }
.platform-meta { margin-top: var(--s-1); font-size: var(--text-xs); color: var(--c-text-mute); letter-spacing: 0.01em; }
.platform-cta {
  grid-column: 1 / -1;
  margin-top: var(--s-3);
  padding-top: var(--s-3);
  border-top: 1px solid var(--c-border-soft);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--c-navy);
  letter-spacing: 0.01em;
}
.platform-card:hover .platform-cta { color: var(--c-gold-dark, #8a6f1f); }
@media (max-width: 480px) {
  .platform-card { padding: var(--s-4) var(--s-5); }
  .platform-name { font-size: 1.1rem; }
}

.review-grid {
  display: grid;
  gap: var(--s-5);
  grid-template-columns: 1fr;
}
@media (min-width: 768px) { .review-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .review-grid { grid-template-columns: repeat(3, 1fr); } }

.review-card {
  background: var(--c-white);
  border-radius: var(--r-lg);
  padding: var(--s-6) var(--s-6) var(--s-5);
  border: 1px solid var(--c-border-soft);
  display: flex; flex-direction: column;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.review-card .stars { font-size: 0.95rem; margin-bottom: var(--s-4); }
.review-card blockquote {
  font-family: 'Fraunces', serif;
  font-size: var(--text-lg);
  color: var(--c-navy);
  line-height: 1.45;
  font-weight: 400;
  letter-spacing: -0.01em;
  margin-bottom: var(--s-5);
  flex-grow: 1;
}
.review-meta { display: flex; align-items: center; justify-content: space-between; gap: var(--s-2); padding-top: var(--s-4); border-top: 1px solid var(--c-border-soft); }
.review-author { font-size: var(--text-sm); font-weight: 600; color: var(--c-text); }
.review-author span { display: block; font-weight: 400; font-size: var(--text-xs); color: var(--c-text-mute); margin-top: 2px; }
.review-source { font-size: var(--text-xs); color: var(--c-text-mute); letter-spacing: 0.06em; text-transform: uppercase; }

.reviews-cta { margin-top: var(--s-10); text-align: center; }

/* ============================================================
   Lead Magnet Form
   ============================================================ */
.lead-section {
  background: var(--c-navy);
  color: var(--c-cream);
  position: relative;
  overflow: hidden;
}
.lead-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at top right, rgba(200, 162, 74, 0.15), transparent 60%);
  pointer-events: none;
  z-index: 2;
}
/* Aerial video background */
.section-bg-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
  pointer-events: none;
  opacity: 1;
  filter: saturate(1.12) contrast(1.05) brightness(1.02);
}
.section-bg-veil {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  /* Lighter veil — top/bottom fade for nav + CTA legibility, but middle stays visible */
  background:
    linear-gradient(180deg, rgba(14,42,71,0.55) 0%, rgba(14,42,71,0.22) 35%, rgba(14,42,71,0.22) 65%, rgba(14,42,71,0.7) 100%);
}
/* Local darkening directly behind text blocks, not the whole section */
.lead-section .section-head {
  background: radial-gradient(ellipse at center, rgba(14,42,71,0.78) 0%, rgba(14,42,71,0.55) 60%, rgba(14,42,71,0) 100%);
  padding: var(--s-6) var(--s-4);
  border-radius: var(--r-lg);
}
.lead-section.has-video-bg > .container { position: relative; z-index: 3; }
/* Reduced motion: keep the poster (still image) but hide the moving video.
   `display:none` would also kill the play() call on some browsers, so
   visibility:hidden lets the poster fall through. */
@media (prefers-reduced-motion: reduce) {
  .section-bg-video { visibility: hidden; }
}
.lead-section h2 { color: var(--c-cream); }
.lead-section .eyebrow { color: var(--c-gold); }
.lead-section .lead { color: rgba(244, 239, 231, 0.85); }

.lead-card {
  position: relative;
  max-width: 720px;
  margin: var(--s-10) auto 0;
  background: rgba(14, 42, 71, 0.72);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--r-xl);
  padding: var(--s-8);
  backdrop-filter: blur(14px) saturate(1.1);
  -webkit-backdrop-filter: blur(14px) saturate(1.1);
  box-shadow: 0 30px 60px -20px rgba(0,0,0,0.45);
}
@media (min-width: 768px) { .lead-card { padding: var(--s-10); } }

.form-row {
  display: grid;
  gap: var(--s-4);
  grid-template-columns: 1fr;
  margin-bottom: var(--s-4);
}
@media (min-width: 640px) { .form-row.two { grid-template-columns: 1fr 1fr; } }

.field label {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(244, 239, 231, 0.7);
  margin-bottom: var(--s-2);
}
.field input, .field select {
  width: 100%;
  padding: 14px 16px;
  font-size: var(--text-base);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--r-md);
  color: var(--c-cream);
  transition: all 0.2s var(--ease);
}
.field input::placeholder { color: rgba(244, 239, 231, 0.4); }
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--c-gold);
  background: rgba(255,255,255,0.1);
}
.field select option { color: var(--c-text); background: var(--c-cream); }

.form-submit { margin-top: var(--s-6); display: flex; flex-direction: column; gap: var(--s-3); }
@media (min-width: 640px) { .form-submit { flex-direction: row; align-items: center; justify-content: space-between; } }
.form-submit .btn { width: 100%; }
@media (min-width: 640px) { .form-submit .btn { width: auto; } }
.form-note { font-size: var(--text-xs); color: rgba(244, 239, 231, 0.6); line-height: 1.5; }

/* ============================================================
   Loan Options
   ============================================================ */
.loans-grid {
  display: grid;
  gap: var(--s-4);
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .loans-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .loans-grid { grid-template-columns: repeat(3, 1fr); } }

.loan-tile {
  background: var(--c-white);
  border: 1px solid var(--c-border-soft);
  border-radius: var(--r-lg);
  padding: var(--s-6);
  transition: all 0.3s var(--ease);
  display: flex; flex-direction: column; gap: var(--s-3);
  cursor: pointer;
}
.loan-tile:hover {
  border-color: var(--c-gold);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.loan-icon {
  width: 40px; height: 40px;
  color: var(--c-gold-dark);
  margin-bottom: var(--s-2);
}
.loan-tile h4 { font-family: 'Fraunces', serif; font-size: var(--text-lg); color: var(--c-navy); font-weight: 500; }
.loan-tile p { font-size: var(--text-sm); color: var(--c-text-soft); line-height: 1.5; }
.loan-tile .link {
  margin-top: auto;
  font-size: var(--text-xs);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--c-gold-dark);
  display: inline-flex; align-items: center; gap: 6px;
}

/* ============================================================
   Local Authority
   ============================================================ */
.local-section {
  background: var(--c-linen);
}
.local-grid {
  display: grid;
  gap: var(--s-10);
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 1024px) { .local-grid { grid-template-columns: 1.1fr 1fr; gap: var(--s-16); } }
.local-image {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: var(--shadow-lg);
}
.local-image img { width: 100%; height: 100%; object-fit: cover; }
.local-content h2 { margin-bottom: var(--s-5); }
.local-content p { color: var(--c-text-soft); line-height: 1.65; margin-bottom: var(--s-6); }

.area-list {
  display: flex; flex-wrap: wrap; gap: var(--s-2);
  margin-bottom: var(--s-8);
}
.area-chip {
  padding: 8px 14px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-full);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--c-navy);
  transition: all 0.2s var(--ease);
}
.area-chip:hover { background: var(--c-navy); color: var(--c-cream); border-color: var(--c-navy); }

/* ============================================================
   Team Section
   ============================================================ */
.team-grid {
  display: grid;
  gap: var(--s-8);
  grid-template-columns: 1fr;
}
@media (min-width: 768px) { .team-grid { grid-template-columns: 1.15fr 1fr; align-items: stretch; } }

.team-card {
  background: var(--c-white);
  border-radius: var(--r-xl);
  overflow: hidden;
  border: 1px solid var(--c-border-soft);
  display: flex;
  flex-direction: column;
}
.team-card-image {
  aspect-ratio: 4/3;
  overflow: hidden;
  background: var(--c-linen);
}
.team-card-image img { width: 100%; height: 100%; object-fit: cover; }
.team-card-body { padding: var(--s-6) var(--s-6) var(--s-8); display: flex; flex-direction: column; flex-grow: 1; }
.team-name { font-family: 'Fraunces', serif; font-size: clamp(1.6rem, 1.4rem + 0.5vw, 2rem); color: var(--c-navy); font-weight: 500; margin-bottom: var(--s-1); }
.team-role { font-size: var(--text-sm); color: var(--c-gold-dark); font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; margin-bottom: var(--s-4); }
.team-desc { color: var(--c-text-soft); line-height: 1.6; margin-bottom: var(--s-6); flex-grow: 1; }
.team-contact {
  display: flex; flex-direction: column; gap: var(--s-2);
  padding-top: var(--s-5);
  border-top: 1px solid var(--c-border-soft);
  font-size: var(--text-sm);
}
.team-contact div { display: flex; align-items: center; gap: var(--s-2); color: var(--c-text); }
.team-contact svg { width: 14px; height: 14px; color: var(--c-gold-dark); flex-shrink: 0; }
.team-contact .nmls { font-size: var(--text-xs); color: var(--c-text-mute); letter-spacing: 0.06em; text-transform: uppercase; margin-top: var(--s-2); }

/* ============================================================
   Solo / Direct-line section (homepage)
   ============================================================ */
.solo-section { background: var(--c-cream); }
.solo-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-8);
  align-items: center;
}
@media (min-width: 880px) {
  .solo-grid { grid-template-columns: 5fr 6fr; gap: clamp(var(--s-10), 5vw, var(--s-16)); }
}
.solo-image {
  position: relative;
  aspect-ratio: 4/5;
  border-radius: var(--r-xl);
  overflow: hidden;
  background: var(--c-linen);
  box-shadow: 0 20px 40px -20px rgba(14,42,71,0.18);
}
.solo-image img { width: 100%; height: 100%; object-fit: cover; display: block; }
@media (min-width: 880px) { .solo-image { aspect-ratio: 4/5; max-width: 520px; } }
.solo-content .eyebrow { color: var(--c-gold-dark); }
.solo-content h2 { margin: var(--s-3) 0 var(--s-5); }
.solo-lede {
  color: var(--c-text-soft);
  line-height: 1.65;
  font-size: clamp(1rem, 0.95rem + 0.2vw, 1.075rem);
  margin-bottom: var(--s-7);
}
.solo-points {
  list-style: none;
  margin: 0 0 var(--s-8);
  padding: 0;
  display: grid;
  gap: var(--s-3);
}
.solo-points li {
  display: flex;
  align-items: flex-start;
  gap: var(--s-3);
  color: var(--c-text);
  line-height: 1.5;
  font-size: 0.975rem;
}
.solo-check {
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(200,162,74,0.14);
  color: var(--c-gold-dark);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 11px;
  font-weight: 700;
  margin-top: 1px;
}
.solo-contact {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  padding-top: var(--s-6);
  border-top: 1px solid var(--c-border-soft);
}
.solo-contact-row {
  display: inline-flex;
  align-items: center;
  gap: var(--s-3);
  color: var(--c-navy);
  font-weight: 500;
  font-size: 1.05rem;
  text-decoration: none;
  transition: color 180ms ease;
}
.solo-contact-row:hover { color: var(--c-gold-dark); }
.solo-contact-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--c-white);
  border: 1px solid var(--c-border-soft);
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--c-gold-dark);
  flex-shrink: 0;
}
.solo-contact-icon svg { width: 16px; height: 16px; }
.solo-nmls {
  font-size: var(--text-xs);
  color: var(--c-text-mute);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: var(--s-3);
}

/* About page: single direct-line card */
.about-direct {
  display: grid;
  grid-template-columns: 1fr;
  max-width: 760px;
  margin: 0 auto;
}
.about-direct-card {
  background: var(--c-white);
  border-radius: var(--r-xl);
  border: 1px solid var(--c-border-soft);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) {
  .about-direct-card { grid-template-columns: 5fr 7fr; }
}
.about-direct-image {
  aspect-ratio: 4/3;
  overflow: hidden;
  background: var(--c-linen);
}
.about-direct-image img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.about-direct-body { padding: var(--s-7) var(--s-6) var(--s-7); display: flex; flex-direction: column; }
@media (min-width: 720px) { .about-direct-body { padding: var(--s-8) var(--s-8); } }
.about-direct-contact {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  padding-top: var(--s-5);
  margin-top: var(--s-2);
  border-top: 1px solid var(--c-border-soft);
}
.about-direct-row {
  display: inline-flex;
  align-items: center;
  gap: var(--s-3);
  color: var(--c-navy);
  font-weight: 500;
  text-decoration: none;
  font-size: 0.975rem;
  transition: color 180ms ease;
}
.about-direct-row:hover { color: var(--c-gold-dark); }
.about-direct-row svg { width: 16px; height: 16px; color: var(--c-gold-dark); flex-shrink: 0; }

/* ============================================================
   Realtors Band
   ============================================================ */
.realtors-section {
  background: var(--c-navy-deep);
  color: var(--c-cream);
  position: relative;
  overflow: hidden;
}
.realtors-section::before {
  content: ''; position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at bottom left, rgba(200,162,74,0.12), transparent 50%),
    radial-gradient(ellipse at top right, rgba(31,138,138,0.08), transparent 50%);
  pointer-events: none;
}
.realtors-grid {
  position: relative;
  display: grid;
  gap: var(--s-10);
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 1024px) { .realtors-grid { grid-template-columns: 1.1fr 1fr; gap: var(--s-16); } }
.realtors-content h2 { color: var(--c-cream); margin-bottom: var(--s-5); }
.realtors-content .eyebrow { color: var(--c-gold); }
.realtors-content p { color: rgba(244,239,231,0.82); line-height: 1.65; margin-bottom: var(--s-8); }

.realtors-points {
  display: grid;
  gap: var(--s-4);
}
.realtors-points li {
  display: flex; gap: var(--s-3); align-items: flex-start;
  font-size: var(--text-base);
  color: rgba(244,239,231,0.92);
}
.check {
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: var(--c-gold);
  color: var(--c-navy-deep);
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700;
  margin-top: 2px;
}

/* ============================================================
   Calculator
   ============================================================ */
.calc-section { background: var(--c-cream); }
.calc-card {
  background: var(--c-white);
  border: 1px solid var(--c-border-soft);
  border-radius: var(--r-xl);
  padding: var(--s-8);
  max-width: 880px;
  margin: 0 auto;
}
@media (min-width: 768px) { .calc-card { padding: var(--s-10); } }
.calc-grid {
  display: grid;
  gap: var(--s-8);
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 640px) { .calc-grid { grid-template-columns: 1.1fr 1fr; } }
.calc-inputs { display: flex; flex-direction: column; gap: var(--s-5); }
.calc-field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  margin-bottom: var(--s-2);
}
.calc-field label .val { color: var(--c-navy); font-family: 'Fraunces', serif; font-size: var(--text-base); letter-spacing: -0.01em; text-transform: none; font-weight: 500; }
.calc-field input[type=range] { width: 100%; accent-color: var(--c-gold-dark); }
.calc-result {
  background: var(--c-linen);
  border-radius: var(--r-lg);
  padding: var(--s-8);
  text-align: center;
}
.calc-result .label-sm { font-size: var(--text-xs); letter-spacing: 0.1em; text-transform: uppercase; color: var(--c-text-mute); font-weight: 600; margin-bottom: var(--s-3); }
.calc-result .amount { font-family: 'Fraunces', serif; font-size: clamp(2.5rem, 2rem + 2vw, 3.5rem); color: var(--c-navy); font-weight: 500; letter-spacing: -0.02em; line-height: 1; margin-bottom: var(--s-2); }
.calc-result .per { font-size: var(--text-sm); color: var(--c-text-soft); margin-bottom: var(--s-6); }
.calc-result .detail { font-size: var(--text-xs); color: var(--c-text-mute); line-height: 1.5; }

/* ============================================================
   Closings
   ============================================================ */
.closings-row { display: flex; gap: var(--s-4); overflow-x: auto; padding-bottom: var(--s-4); scrollbar-width: thin; scroll-snap-type: x mandatory; -webkit-overflow-scrolling: touch; }
@media (min-width: 1100px) {
  .closings-row { display: grid; grid-template-columns: repeat(3, 1fr); overflow: visible; gap: var(--s-5); }
  .closing-card { flex: initial; width: auto; }
}
.closings-row::-webkit-scrollbar { height: 6px; }
.closings-row::-webkit-scrollbar-thumb { background: var(--c-border); border-radius: 3px; }
/* Closings row uses horizontal scroll; reveal observer can't fire on horizontally off-screen cards. Keep them visible. */
html.js-loaded .closing-card.reveal:not(.in) { opacity: 1; transform: none; }
@media (prefers-reduced-motion: no-preference) {
  html.js-loaded .closing-card.reveal:not(.in) { opacity: 1; transform: none; }
}

.closing-card {
  flex: 0 0 280px;
  background: var(--c-white);
  border: 1px solid var(--c-border-soft);
  border-radius: var(--r-lg);
  padding: var(--s-5);
  scroll-snap-align: start;
}
.closing-card .tag {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--c-gold-dark);
  margin-bottom: var(--s-3);
}
.closing-card h4 { font-family: 'Fraunces', serif; font-size: 1.4rem; color: var(--c-navy); font-weight: 500; margin-bottom: var(--s-1); line-height: 1.1; }
.closing-card .sub { font-size: var(--text-sm); color: var(--c-text-soft); margin-bottom: var(--s-4); }
.closing-card .row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: var(--text-xs); padding-top: var(--s-3); border-top: 1px solid var(--c-border-soft);
  color: var(--c-text-mute); letter-spacing: 0.04em;
}
.closing-card .days { color: var(--c-teal); font-weight: 600; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-section { background: var(--c-linen); }
.faq-list {
  max-width: 820px;
  margin: 0 auto;
  background: var(--c-white);
  border-radius: 14px;
  border: 1px solid rgba(14, 42, 71, 0.08);
  box-shadow: 0 1px 2px rgba(14, 42, 71, 0.04), 0 12px 32px -20px rgba(14, 42, 71, 0.18);
  overflow: hidden;
}
.faq-item {
  border-bottom: 1px solid rgba(14, 42, 71, 0.08);
  padding: 0;
  transition: background 0.25s var(--ease);
}
.faq-item:last-child { border-bottom: none; }
.faq-item[open] { background: rgba(200, 162, 74, 0.045); }
.faq-q {
  display: flex; justify-content: space-between; align-items: flex-start;
  cursor: pointer;
  width: 100%;
  text-align: left;
  gap: var(--s-4);
  padding: var(--s-5) var(--s-6);
  list-style: none;
  -webkit-tap-highlight-color: transparent;
  transition: background 0.2s var(--ease);
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::marker { content: ''; display: none; }
.faq-q:hover { background: rgba(14, 42, 71, 0.025); }
.faq-q:focus-visible {
  outline: 2px solid var(--c-gold);
  outline-offset: -2px;
}
.faq-q span:first-child {
  font-family: 'Fraunces', serif;
  font-size: var(--text-lg);
  color: var(--c-navy);
  font-weight: 500;
  letter-spacing: -0.01em;
  line-height: 1.35;
  flex: 1;
  min-width: 0;
}
.faq-toggle {
  flex-shrink: 0;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--c-linen);
  display: inline-flex; align-items: center; justify-content: center;
  color: var(--c-navy);
  border: 1px solid rgba(14, 42, 71, 0.12);
  transition: all 0.3s var(--ease);
  font-size: 18px;
  font-weight: 300;
  line-height: 1;
  margin-top: 1px;
}
.faq-item[open] .faq-toggle {
  background: var(--c-gold);
  color: var(--c-navy-deep);
  border-color: var(--c-gold);
  transform: rotate(45deg);
}
.faq-a {
  padding: 0 var(--s-6) var(--s-5);
  color: var(--c-text-soft);
  line-height: 1.65;
  max-width: 700px;
}
.faq-a em { color: var(--c-navy); font-style: italic; }

@media (max-width: 640px) {
  .faq-list {
    border-radius: 12px;
  }
  .faq-q {
    padding: var(--s-4) var(--s-4);
    gap: var(--s-3);
    align-items: center;
  }
  .faq-q span:first-child {
    font-size: 1.0625rem;
    line-height: 1.35;
  }
  .faq-toggle {
    width: 36px; height: 36px;
    font-size: 20px;
    margin-top: 0;
  }
  .faq-a {
    padding: 0 var(--s-4) var(--s-4);
    font-size: 0.9375rem;
    line-height: 1.6;
  }
}

/* ============================================================
   Final CTA
   ============================================================ */
.final-cta {
  background: var(--c-cream);
  padding: clamp(var(--s-16), 8vw, var(--s-24)) 0;
}
.final-grid {
  display: grid;
  gap: var(--s-4);
  grid-template-columns: 1fr;
  max-width: 880px; margin: var(--s-10) auto 0;
}
@media (min-width: 640px) { .final-grid { grid-template-columns: 1fr 1fr; } }
.final-card {
  padding: var(--s-8);
  border-radius: var(--r-xl);
  border: 1px solid var(--c-border);
  background: var(--c-white);
  transition: all 0.3s var(--ease);
}
.final-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--c-gold); }
.final-card.dark { background: var(--c-navy); color: var(--c-cream); border-color: var(--c-navy); }
.final-card.dark h3 { color: var(--c-cream); }
.final-card.dark p { color: rgba(244,239,231,0.8); }
.final-card .eyebrow { display: block; margin-bottom: var(--s-3); }
.final-card.dark .eyebrow { color: var(--c-gold); }
.final-card h3 { font-size: clamp(1.5rem, 1.3rem + 0.6vw, 1.85rem); margin-bottom: var(--s-3); }
.final-card p { color: var(--c-text-soft); line-height: 1.6; margin-bottom: var(--s-6); }
.final-card .btn { width: 100%; }

/* ============================================================
   Footer
   ============================================================ */
.footer {
  background: var(--c-navy-deep);
  color: rgba(244,239,231,0.75);
  padding: var(--s-16) 0 var(--s-10);
  font-size: var(--text-sm);
}
.footer-grid {
  display: grid;
  gap: var(--s-10);
  grid-template-columns: 1fr;
  margin-bottom: var(--s-12);
}
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer h5 {
  font-family: 'Inter', sans-serif;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--c-cream);
  margin-bottom: var(--s-4);
}
.footer-brand .logo { color: var(--c-cream); margin-bottom: var(--s-4); }
.footer-brand p { line-height: 1.6; max-width: 320px; }
.footer-ccm-lockup {
  display: flex; flex-direction: column; gap: 10px;
  margin-top: var(--s-5);
  padding-top: var(--s-4);
  border-top: 1px solid rgba(224,191,125,0.18);
}
.footer-ccm-lockup .ccm-row {
  display: flex; align-items: center; gap: var(--s-3);
  flex-wrap: wrap;
}
.footer-ccm-lockup .ccm-full {
  width: 160px; max-width: 100%; height: auto; display: block;
  filter: brightness(0) saturate(100%) invert(98%) sepia(7%) saturate(282%) hue-rotate(353deg) brightness(101%) contrast(96%);
  opacity: 0.92;
}
.footer-ccm-lockup .ccm-disclosure {
  font-size: 0.68rem;
  color: rgba(244,239,231,0.5);
  line-height: 1.5;
  letter-spacing: 0.01em;
  max-width: 360px;
}

/* ============ Equal Housing Lender mark ============ */
.eho-mark {
  display: inline-block;
  width: 44px; height: 44px;
  opacity: 0.9;
  flex-shrink: 0;
}
.eho-mark svg, .eho-mark img { width: 100%; height: 100%; display: block; }
/* Default: on dark navy footer — invert black-on-white SVG to cream */
.eho-mark img {
  filter: brightness(0) saturate(100%) invert(98%) sepia(7%) saturate(282%) hue-rotate(353deg) brightness(101%) contrast(96%);
}
.eho-mark.dark img {
  filter: brightness(0) saturate(100%) invert(13%) sepia(34%) saturate(1593%) hue-rotate(184deg) brightness(94%) contrast(94%);
}
.eho-mark.sm { width: 28px; height: 28px; }
.eho-mark.lg { width: 56px; height: 56px; }

/* Slim footer compact compliance block (interior pages) */
.compliance-strip {
  display: flex; align-items: center; gap: var(--s-3);
  margin: var(--s-4) 0 var(--s-3);
  padding-top: var(--s-3);
  border-top: 1px solid rgba(244,239,231,0.08);
  flex-wrap: wrap;
}
.compliance-strip .ccm-mini {
  width: 110px; height: auto; display: block;
  filter: brightness(0) saturate(100%) invert(98%) sepia(7%) saturate(282%) hue-rotate(353deg) brightness(101%) contrast(96%);
  opacity: 0.7;
}
.compliance-strip .eho-mark { width: 32px; height: 32px; opacity: 0.7; }

/* Full verbatim EHO disclosure paragraph */
.eho-disclosure {
  font-size: 0.66rem;
  color: rgba(244,239,231,0.45);
  line-height: 1.6;
  letter-spacing: 0.01em;
  max-width: 760px;
  margin-top: var(--s-3);
}

.footer ul li { margin-bottom: var(--s-2); }
.footer a:hover { color: var(--c-gold); }
.footer-contact { display: flex; flex-direction: column; gap: var(--s-2); }
.footer-contact div { display: flex; align-items: center; gap: var(--s-2); }
.footer-contact svg { width: 13px; height: 13px; color: var(--c-gold); flex-shrink: 0; }

.footer-bottom {
  border-top: 1px solid rgba(244,239,231,0.1);
  padding-top: var(--s-6);
  display: flex; flex-direction: column; gap: var(--s-4);
  font-size: var(--text-xs);
  color: rgba(244,239,231,0.5);
  line-height: 1.6;
}
@media (min-width: 768px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: flex-start; }
}
.footer-disc { max-width: 700px; }

/* Article rate / illustrative-number disclosure block */
.rate-disclosure {
  margin: var(--s-8) 0 var(--s-6);
  padding: var(--s-4) var(--s-5);
  background: var(--c-linen);
  border-left: 3px solid var(--c-gold);
  border-radius: 4px;
  font-size: 0.85rem;
  color: var(--c-text);
  line-height: 1.55;
}
.rate-disclosure strong {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-navy);
  margin-bottom: var(--s-2);
}
.rate-disclosure a { color: var(--c-navy); text-decoration: underline; text-underline-offset: 2px; }
.footer-legal { display: flex; gap: var(--s-4); flex-wrap: wrap; }

/* ============================================================
   Mobile bottom bar
   ============================================================ */
.mobile-bar {
  position: fixed; bottom: 0; left: 0; right: 0;
  display: grid; grid-template-columns: 1fr 1fr;
  background: var(--c-navy);
  color: var(--c-cream);
  z-index: 50;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
}
@media (min-width: 768px) { .mobile-bar { display: none; } }
.mobile-bar a {
  padding: 16px;
  text-align: center;
  font-size: var(--text-sm);
  font-weight: 600;
  display: flex; align-items: center; justify-content: center; gap: var(--s-2);
  border-right: 1px solid rgba(255,255,255,0.12);
}
.mobile-bar a:last-child { border-right: none; background: var(--c-gold); color: var(--c-navy-deep); }
.mobile-bar svg { width: 16px; height: 16px; }

/* Add padding to body on mobile so bar doesn't overlap content */
@media (max-width: 767px) {
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom, 0)); }
  /* Add safe-area inset for iPhones with home indicator */
  .mobile-bar { padding-bottom: env(safe-area-inset-bottom, 0); }
}

/* ============================================================
   Inner page hero (smaller hero used on subpages)
   ============================================================ */
.page-hero {
  padding: clamp(var(--s-12), 6vw, var(--s-20)) 0 clamp(var(--s-10), 5vw, var(--s-16));
  background: linear-gradient(180deg, var(--c-linen) 0%, var(--c-cream) 100%);
}
.page-hero h1 {
  font-size: clamp(2.25rem, 1.8rem + 2.5vw, 3.75rem);
  margin-bottom: var(--s-4);
}
.page-hero p { color: var(--c-text-soft); font-size: var(--text-lg); max-width: 640px; }

/* Animated subtle entry on scroll (progressive enhancement) */
.reveal { opacity: 1; transform: translateY(0); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  .reveal { opacity: 1; transform: none; }
}


/* =================================================================
   MOBILE-FORWARD OPTIMIZATIONS
   Order: tablet down to phone. Tightens spacing, fixes overlap,
   improves tap targets, makes long-form content readable.
   ================================================================= */

/* ---- All viewports: smoother scrolling + reduced layout shift ---- */
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
img, video { max-width: 100%; height: auto; }
button, a { -webkit-tap-highlight-color: transparent; }

/* Better tap targets sitewide */
.btn { min-height: 44px; }

/* ---- Hero polish ---- */
@media (max-width: 1023px) {
  .hero { padding-top: var(--s-8); padding-bottom: var(--s-12); }
  .hero-grid { gap: var(--s-10); }
  .hero h1 { margin-top: var(--s-4); }
  .hero-sub { font-size: var(--text-base); margin-top: var(--s-4); }
  .hero-ctas { margin-top: var(--s-6); }
  .hero-meta { margin-top: var(--s-6); gap: var(--s-1) var(--s-4); }
  .hero-image { margin-top: var(--s-4); }
  .hero-image-wrap { max-width: 520px; margin-left: auto; margin-right: auto; }
  .hero-badge { bottom: var(--s-4); left: var(--s-4); right: var(--s-4); padding: var(--s-3) var(--s-4); gap: var(--s-3); }
  .hero-badge-num { font-size: 1.5rem; }
}
@media (max-width: 600px) {
  .hero h1 { font-size: clamp(2rem, 1.5rem + 6vw, 3rem); line-height: 1.18; padding-bottom: 0.1em; }
  /* Portrait crop on mobile so face stays clear and there is room for the review card */
  .hero-image-wrap { aspect-ratio: 4/5; max-width: 100%; border-radius: 18px; }
  .hero-image-wrap img { object-position: center 22%; }
  .hero-image-wrap::after { background: linear-gradient(180deg, transparent 40%, rgba(14,42,71,0.55) 78%, rgba(14,42,71,0.78)); }
  .hero-badge { padding: 10px 12px; gap: 10px; font-size: 12px; }
  .hero-badge-num { font-size: 1.25rem; }
  .hero-badge-text b { font-size: 13px; }
  .hero-ctas { flex-direction: column; align-items: stretch; gap: var(--s-4); }
  .hero-ctas .btn.hero-cta-primary { width: 100%; }
  .hero-cta-secondary { justify-content: center; padding: 10px; }
  .star-strip { padding: 8px 14px; }
  .hero-badges { gap: 8px; }
  .hero-badge-chip { font-size: 11px; padding: 6px 11px 6px 10px; }
  .hero-quote { padding: var(--s-4) var(--s-5); margin-top: var(--s-6); }
  .hero-quote blockquote { font-size: 1.02rem; }
}

/* ---- Header: tighter on mobile ---- */
@media (max-width: 767px) {
  .header-inner { padding: var(--s-3) var(--s-4); gap: var(--s-2); }
  .logo-mark { width: 32px; height: 32px; }
  .logo-divider { height: 28px; }
  .logo-name { font-size: 1.18rem; margin-bottom: 3px; }
  .logo-sub { font-size: 0.58rem; letter-spacing: 0.14em; }
  .logo { gap: 10px; }
  .logo-mark { width: 28px; height: 28px; }
  .header-cta .btn-sm { padding: 10px 14px; font-size: 12px; }
}
@media (max-width: 420px) {
  /* Drop the long subtitle on tiny phones so the wordmark + hamburger fit cleanly */
  .logo-sub { display: none; }
}

/* ---- Mobile nav menu (hamburger) ---- */
.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 10px;
  background: transparent;
  border: 1px solid var(--c-border);
  color: var(--c-navy);
  cursor: pointer;
  margin-right: var(--s-1);
  transition: all 0.2s var(--ease);
}
.menu-toggle:hover { background: var(--c-linen); border-color: var(--c-navy); }
.menu-toggle svg { width: 18px; height: 18px; }
@media (min-width: 1024px) { .menu-toggle { display: none; } }

.mobile-menu {
  position: fixed; inset: 0;
  background: rgba(14, 42, 71, 0.55);
  backdrop-filter: blur(6px);
  z-index: 200;
  display: none;
  opacity: 0;
  transition: opacity 0.25s var(--ease);
}
.mobile-menu.open { display: block; opacity: 1; }
.mobile-menu-panel {
  position: absolute; top: 0; right: 0;
  width: min(86%, 340px);
  height: 100%;
  background: var(--c-cream);
  display: flex; flex-direction: column;
  padding: var(--s-6) var(--s-6) calc(var(--s-6) + env(safe-area-inset-bottom, 0));
  transform: translateX(100%);
  transition: transform 0.3s var(--ease);
  box-shadow: -16px 0 48px rgba(14, 42, 71, 0.18);
}
.mobile-menu.open .mobile-menu-panel { transform: translateX(0); }
.mobile-menu-close {
  align-self: flex-end;
  width: 40px; height: 40px;
  border: 1px solid var(--c-border); background: transparent;
  border-radius: 10px;
  color: var(--c-navy);
  cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: var(--s-6);
}
.mobile-menu-close svg { width: 16px; height: 16px; }
.mobile-menu-nav {
  display: flex; flex-direction: column;
  gap: 4px;
}
.mobile-menu-nav a {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.5rem, 1.2rem + 1.5vw, 2rem);
  color: var(--c-navy);
  padding: 12px 0;
  border-bottom: 1px solid var(--c-border-soft);
  transition: color 0.2s var(--ease), padding-left 0.25s var(--ease);
}
.mobile-menu-nav a:hover,
.mobile-menu-nav a:active { color: var(--c-gold-dark); padding-left: 8px; }
.mobile-menu-foot {
  margin-top: auto;
  display: flex; flex-direction: column; gap: 10px;
  padding-top: var(--s-6);
}
.mobile-menu-foot .btn { width: 100%; }
.mobile-menu-foot .meta {
  font-size: var(--text-xs); color: var(--c-text-mute);
  text-align: center; margin-top: var(--s-3);
}


/* ---- Section spacing tightening on mobile ---- */
@media (max-width: 767px) {
  .section { padding-top: var(--s-12); padding-bottom: var(--s-12); }
  .section-head { margin-bottom: var(--s-8); }
  .proof-strip { padding-top: var(--s-8); padding-bottom: var(--s-8); }
  .proof-grid { grid-template-columns: repeat(2, 1fr); gap: var(--s-6) var(--s-4); }
  .proof-num { font-size: clamp(1.5rem, 1.2rem + 2vw, 2rem); }
  .proof-label { font-size: 12px; }
}

/* ---- Forms: full-width inputs, larger tap targets ---- */
@media (max-width: 767px) {
  .lead-form input,
  .lead-form select,
  .lead-form textarea,
  .qualify-form input,
  .qualify-form select,
  .qualify-form textarea {
    font-size: 16px; /* prevents iOS zoom-on-focus */
    min-height: 48px;
  }
  .lead-form, .qualify-form { gap: var(--s-3); }
  .lead-section, .qualify-section { padding: var(--s-12) 0; }
  .lead-card, .qualify-card { padding: var(--s-6); border-radius: 16px; }
}

/* ---- Container padding tightening ---- */
@media (max-width: 480px) {
  .container { padding-left: var(--s-4); padding-right: var(--s-4); }
}

/* ---- Calc section: stack and tighten ---- */
@media (max-width: 767px) {
  .calc-section, .calc-card { padding: var(--s-6); }
  .calc-grid { grid-template-columns: 1fr; gap: var(--s-5); }
  .calc-result { padding: var(--s-6); }
  .calc-result .amount { font-size: clamp(2rem, 1.6rem + 4vw, 3rem); }
}

/* ---- Mobile bottom-bar: improve labels + safe area ---- */
.mobile-bar a { min-height: 56px; }
.mobile-bar a svg { width: 18px; height: 18px; }

/* Hide the desktop "Book a Call" header CTA on small screens — replaced by hamburger */
@media (max-width: 767px) {
  .header-cta .btn { display: none; }
  .header-cta { gap: var(--s-1); }
}

/* ---- Reduce-motion respect for ticker animation ---- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

/* ============================================================
   Blog page
   ============================================================ */
.blog-intro { padding-top: var(--s-12); padding-bottom: var(--s-8); }
.blog-soon {
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: var(--s-8);
  align-items: start;
  padding: var(--s-10);
  background: var(--c-linen);
  border-radius: 16px;
  border: 1px solid var(--c-border);
}
@media (max-width: 700px) {
  .blog-soon { grid-template-columns: 1fr; gap: var(--s-5); padding: var(--s-6); }
}
.blog-soon-mark {
  width: 100px; height: 100px;
  color: var(--c-navy);
  display: flex; align-items: center; justify-content: center;
}
.blog-soon-mark svg { width: 100%; height: 100%; }
.blog-soon h2 { margin: var(--s-1) 0 var(--s-3); }
.blog-soon p { color: var(--c-text-mute); line-height: 1.65; max-width: 60ch; }
.blog-subscribe {
  display: flex;
  gap: 10px;
  margin-top: var(--s-5);
  max-width: 480px;
  flex-wrap: wrap;
}
.blog-subscribe input {
  flex: 1 1 220px;
  min-height: 48px;
  padding: 0 16px;
  font-family: inherit;
  font-size: 16px;
  color: var(--c-navy);
  background: var(--c-cream);
  border: 1px solid var(--c-border);
  border-radius: 999px;
  outline: none;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.blog-subscribe input:focus {
  border-color: var(--c-gold);
  box-shadow: 0 0 0 4px rgba(200, 162, 74, 0.15);
}
.blog-subscribe .btn { flex: 0 0 auto; }
.blog-soon .micro { font-size: 12px; color: var(--c-text-mute); margin-top: var(--s-3); }

.blog-topics .section-head { max-width: 720px; margin-bottom: var(--s-10); }
.topic-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
}
@media (min-width: 700px) { .topic-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .topic-grid { grid-template-columns: repeat(3, 1fr); } }
.topic-card {
  position: relative;
  background: var(--c-cream);
  border: 1px solid var(--c-border);
  border-radius: 14px;
  padding: var(--s-7) var(--s-6) var(--s-6);
  display: flex; flex-direction: column; gap: var(--s-3);
  transition: transform 0.25s var(--ease), border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.topic-card:hover {
  transform: translateY(-2px);
  border-color: rgba(200, 162, 74, 0.4);
  box-shadow: 0 12px 32px rgba(14, 42, 71, 0.06);
}
.topic-num {
  font-family: 'Fraunces', serif;
  font-size: 1rem;
  color: var(--c-gold);
  letter-spacing: 0.08em;
  font-feature-settings: 'tnum' 1;
}
.topic-card h3 {
  font-size: clamp(1.2rem, 1rem + 0.6vw, 1.45rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  line-height: 1.25;
}
.topic-card p { color: var(--c-text-mute); line-height: 1.6; font-size: 15px; flex: 1; }
.topic-tag {
  align-self: flex-start;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--c-navy);
  background: var(--c-linen);
  padding: 4px 10px;
  border-radius: 999px;
  margin-top: var(--s-2);
}

/* ============================================================
   Accolades band (About page)
   ============================================================ */
.accolades-band {
  padding: var(--s-10) 0;
  background: var(--c-linen);
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}
.accolades-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-6) var(--s-4);
}
@media (min-width: 720px) { .accolades-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1080px) { .accolades-grid { grid-template-columns: repeat(6, 1fr); } }
.accolade {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: var(--s-2);
  padding: var(--s-4) var(--s-2);
  border-right: 1px solid var(--c-border);
}
.accolade:last-child { border-right: none; }
@media (max-width: 1079px) and (min-width: 720px) {
  .accolade:nth-child(3n) { border-right: none; }
}
@media (max-width: 719px) {
  .accolade { border-right: none; border-bottom: 1px solid var(--c-border); padding-bottom: var(--s-5); }
  .accolade:nth-child(2n) { border-right: none; }
  .accolade:nth-last-child(-n+2) { border-bottom: none; padding-bottom: 0; }
}
.accolade .accolade-mark { width: 40px; height: 40px; color: var(--c-gold); margin-bottom: var(--s-2); }
.accolade-title {
  font-family: 'Fraunces', serif;
  font-size: clamp(1rem, 0.9rem + 0.5vw, 1.2rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  line-height: 1.25;
}
.accolade-sub {
  font-size: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  line-height: 1.4;
  margin-top: 2px;
}
.accolade-link {
  text-decoration: none;
  color: inherit;
  transition: background-color 180ms ease, transform 180ms ease;
  border-radius: 6px;
}
.accolade-link:hover { background-color: rgba(200,162,74,0.06); }
.accolade-link:hover .accolade-sub { color: var(--c-gold); }
.accolade-link:focus-visible { outline: 2px solid var(--c-gold); outline-offset: 4px; }

/* ============================================================
   Backed by CCM band (homepage)
   ============================================================ */
.ccm-band {
  padding: var(--s-16) 0;
  background: var(--c-linen);
  border-bottom: 1px solid var(--c-border);
  position: relative;
}
.ccm-band::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 64px;
  height: 3px;
  background: var(--c-gold);
  border-radius: 0 0 3px 3px;
}
.ccm-band-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-6);
  align-items: center;
}
@media (min-width: 900px) {
  .ccm-band-inner {
    grid-template-columns: minmax(280px, 1fr) minmax(0, 1.4fr);
    gap: var(--s-8);
  }
}
.ccm-band-lede {
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
}
.ccm-band-eyebrow {
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  font-weight: 500;
}
.ccm-band-name {
  display: flex;
  align-items: center;
  gap: var(--s-2);
  font-family: 'Fraunces', serif;
  font-size: clamp(1.35rem, 1.1rem + 1vw, 1.75rem);
  font-weight: 500;
  letter-spacing: -0.015em;
  color: var(--c-navy);
  line-height: 1.15;
}
.ccm-mark {
  width: 32px;
  height: 32px;
  color: var(--c-gold);
  flex-shrink: 0;
}
.ccm-band-line {
  font-size: var(--text-base);
  color: var(--c-text);
  line-height: 1.55;
  max-width: 44ch;
  margin-top: var(--s-1);
}
.ccm-band-stats {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-3);
}
@media (min-width: 600px) {
  .ccm-band-stats { grid-template-columns: repeat(3, 1fr); gap: var(--s-2); }
}
.ccm-stat {
  padding: var(--s-4) var(--s-3);
  background: var(--c-cream);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  min-height: 132px;
}
.ccm-stat-num {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.75rem, 1.4rem + 1.4vw, 2.25rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--c-navy);
  line-height: 1;
}
.ccm-stat-num::after {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--c-gold);
  margin-top: var(--s-2);
}
.ccm-stat-label {
  font-size: 13px;
  line-height: 1.45;
  color: var(--c-text);
  font-weight: 500;
}
.ccm-stat-sub {
  display: block;
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  font-weight: 400;
  margin-top: 2px;
}

/* ============================================================
   Why I work in-house (Loans page)
   ============================================================ */
.in-house {
  padding: var(--s-16) 0;
  background: var(--c-cream);
}
.in-house-head {
  text-align: left;
  max-width: 720px;
  margin-bottom: var(--s-8);
}
.in-house-head h2 {
  font-size: clamp(1.5rem, 1.2rem + 1.4vw, 2.1rem);
  font-weight: 400;
  letter-spacing: -0.015em;
  color: var(--c-navy);
  line-height: 1.2;
  margin-top: var(--s-2);
}
.in-house-head p {
  margin-top: var(--s-3);
  font-size: var(--text-base);
  color: var(--c-text);
  line-height: 1.6;
  max-width: 64ch;
}
.in-house-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
}
@media (min-width: 700px) {
  .in-house-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1080px) {
  .in-house-grid { grid-template-columns: repeat(4, 1fr); }
}
.in-house-card {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  padding: var(--s-5) var(--s-4);
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.in-house-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px -12px rgba(14, 42, 71, 0.18);
}
.in-house-icon {
  width: 36px;
  height: 36px;
  color: var(--c-gold);
  margin-bottom: var(--s-2);
}
.in-house-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.25rem;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  margin: 0;
}
.in-house-card p {
  font-size: 14px;
  line-height: 1.55;
  color: var(--c-text);
  margin: 0;
}

/* ============================================================
   Join the Branch page
   ============================================================ */
.join-hero { background: var(--c-cream); }
.join-hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-3);
  margin-top: var(--s-5);
}

/* Branch advantage cards */
.branch-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
  margin-top: var(--s-6);
}
@media (min-width: 720px) {
  .branch-grid { grid-template-columns: repeat(2, 1fr); }
}
.branch-card {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  padding: var(--s-5) var(--s-5);
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
  position: relative;
}
.branch-num {
  font-family: 'Fraunces', serif;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.06em;
  color: var(--c-gold);
}
.branch-card h3 {
  font-size: clamp(1.1rem, 0.95rem + 0.6vw, 1.3rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  line-height: 1.25;
  margin: 0;
}
.branch-card p {
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--c-text);
  margin: 0;
}

/* CCM culture grid (6-up) */
.ccm-culture-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-3);
  margin-top: var(--s-6);
}
@media (min-width: 600px) { .ccm-culture-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .ccm-culture-grid { grid-template-columns: repeat(3, 1fr); } }
.ccm-culture-card {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  padding: var(--s-4) var(--s-4);
  display: flex;
  flex-direction: column;
  gap: var(--s-1);
}
.ccm-culture-num {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.75rem, 1.5rem + 1vw, 2.25rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--c-navy);
  line-height: 1;
}
.ccm-culture-num::after {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--c-gold);
  margin-top: var(--s-2);
}
.ccm-culture-label {
  margin-top: var(--s-2);
  font-size: 14px;
  line-height: 1.4;
  color: var(--c-text);
  font-weight: 500;
}
.ccm-culture-sub {
  font-size: 11px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  line-height: 1.5;
  margin-top: 2px;
}

/* Who it's for */
.who-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
  margin-top: var(--s-6);
}
@media (min-width: 900px) { .who-grid { grid-template-columns: repeat(3, 1fr); } }
.who-card {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  padding: var(--s-5);
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
}
.who-icon {
  width: 36px;
  height: 36px;
  color: var(--c-gold);
  margin-bottom: var(--s-1);
}
.who-card h3 {
  font-size: 1.2rem;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  margin: 0;
}
.who-card p {
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--c-text);
  margin: 0;
}

/* Join form layout */
.join-form-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-7);
  align-items: start;
}
@media (min-width: 900px) {
  .join-form-wrap { grid-template-columns: 1fr 1fr; gap: var(--s-8); }
}
.join-form-head h2 {
  font-size: clamp(1.5rem, 1.2rem + 1.4vw, 2.1rem);
  font-weight: 400;
  letter-spacing: -0.015em;
  color: var(--c-navy);
  line-height: 1.2;
  margin-top: var(--s-2);
}
.join-form-head p {
  margin-top: var(--s-3);
  font-size: var(--text-base);
  line-height: 1.6;
  color: var(--c-text);
  max-width: 52ch;
}
.join-form-bullets {
  list-style: none;
  padding: 0;
  margin: var(--s-4) 0 0;
  display: flex;
  flex-direction: column;
  gap: var(--s-2);
}
.join-form-bullets li {
  position: relative;
  padding-left: 22px;
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--c-text);
}
.join-form-bullets li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 12px;
  height: 2px;
  background: var(--c-gold);
}

.join-form {
  background: var(--c-bg);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-5) var(--s-5);
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
}
.join-form .form-row {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.join-form label {
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  font-weight: 600;
}
.join-form input,
.join-form select,
.join-form textarea {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--c-navy);
  background: var(--c-cream);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  padding: 12px 14px;
  width: 100%;
  transition: border-color 0.2s ease, background 0.2s ease;
}
.join-form input:focus,
.join-form select:focus,
.join-form textarea:focus {
  outline: none;
  border-color: var(--c-navy);
  background: var(--c-bg);
}
.join-form textarea {
  resize: vertical;
  min-height: 96px;
  line-height: 1.5;
}
.btn-block {
  width: 100%;
  justify-content: center;
  margin-top: var(--s-2);
}
.form-disc {
  font-size: 13px;
  color: var(--c-text-mute);
  margin-top: var(--s-2);
  text-align: center;
}
.form-disc a {
  color: var(--c-navy);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* Footer "Join the branch" — subtle link styling */
.footer-legal a[href*="join.html"] {
  opacity: 0.75;
}
.footer-legal a[href*="join.html"]:hover {
  opacity: 1;
}

/* ============================================================
   Count-up effect (premium expo-out)
   ============================================================ */
[data-countup] {
  /* Keep the inline flow tight so prefix/value/suffix sit on one line */
  white-space: nowrap;
}
[data-countup] > * { vertical-align: baseline; }
[data-countup] .cu-value {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1, "lnum" 1;
  display: inline-block;
  transition: filter 0.4s cubic-bezier(0.22, 1, 0.36, 1),
              opacity 0.4s cubic-bezier(0.22, 1, 0.36, 1);
  filter: blur(6px);
  opacity: 0.4;
}
[data-countup].cu-active .cu-value {
  filter: blur(0);
  opacity: 1;
}
[data-countup].cu-done .cu-value {
  filter: none;
  opacity: 1;
}
[data-countup] .cu-static {
  display: inline-block;
  opacity: 0;
  transform: translateY(4px);
  transition: opacity 0.5s ease, transform 0.5s cubic-bezier(0.22, 1, 0.36, 1);
}
[data-countup].cu-active .cu-static,
[data-countup].cu-done .cu-static { opacity: 1; transform: none; }

/* "Same-day" style siblings — fade & rise in sync */
.cu-reveal {
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 0.7s ease, transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.cu-reveal.cu-done { opacity: 1; transform: none; }

/* Reduced motion — no blur, no rise, just appear */
@media (prefers-reduced-motion: reduce) {
  [data-countup] .cu-value { filter: none; opacity: 1; transition: none; }
  [data-countup] .cu-static { opacity: 1; transform: none; transition: none; }
  .cu-reveal { opacity: 1; transform: none; transition: none; }
}

/* Defeat the legacy numberPulse on proof-num so it doesn't fight the count-up */
.proof-num[data-countup],
.proof-num.cu-reveal { animation: none !important; }

/* ============ Apply handoff modal ============ */
.apply-handoff {
  position: fixed; inset: 0;
  z-index: 5000;
  display: flex; align-items: center; justify-content: center;
  opacity: 0;
  transition: opacity 220ms ease;
  padding: var(--s-4);
}
.apply-handoff.open { opacity: 1; }
.apply-handoff-backdrop {
  position: absolute; inset: 0;
  background: rgba(14, 42, 71, 0.55);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.apply-handoff-card {
  position: relative;
  background: var(--c-cream);
  border-radius: 16px;
  padding: var(--s-8) var(--s-7);
  max-width: 540px;
  width: 100%;
  box-shadow: 0 30px 80px -20px rgba(14, 42, 71, 0.5), 0 8px 24px -6px rgba(14, 42, 71, 0.2);
  transform: translateY(12px) scale(0.98);
  transition: transform 240ms cubic-bezier(0.2, 0.7, 0.3, 1);
  border-top: 3px solid var(--c-gold);
}
.apply-handoff.open .apply-handoff-card { transform: translateY(0) scale(1); }
.apply-handoff-x {
  position: absolute; top: 14px; right: 14px;
  background: transparent; border: none; padding: 8px;
  color: var(--c-text-mute); cursor: pointer;
  border-radius: 8px;
  transition: background 160ms ease, color 160ms ease;
}
.apply-handoff-x:hover { background: rgba(14,42,71,0.06); color: var(--c-navy); }
.apply-handoff-x svg { width: 18px; height: 18px; }
.apply-handoff-eyebrow {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--c-gold); font-weight: 600;
  margin-bottom: var(--s-3);
}
.apply-handoff-card h3 {
  font-size: clamp(1.4rem, 1.25rem + 0.6vw, 1.7rem);
  line-height: 1.22;
  color: var(--c-navy);
  margin: 0 0 var(--s-4);
}
.apply-handoff-card p {
  color: var(--c-text);
  font-size: var(--text-base);
  line-height: 1.55;
  margin: 0 0 var(--s-5);
}
.apply-handoff-meta {
  display: flex; flex-wrap: wrap; gap: 8px 18px;
  padding: var(--s-4) var(--s-5);
  background: rgba(14, 42, 71, 0.04);
  border-radius: 10px;
  margin-bottom: var(--s-6);
  font-size: var(--text-xs);
  color: var(--c-text-mute);
}
.apply-handoff-meta b { color: var(--c-navy); font-weight: 600; margin-right: 4px; }
.apply-handoff-actions {
  display: flex; flex-direction: column; align-items: center; gap: var(--s-3);
}
.apply-handoff-actions .btn { width: 100%; justify-content: center; }
.apply-handoff-cancel {
  background: transparent; border: none;
  color: var(--c-text-mute); cursor: pointer;
  font-family: var(--font-sans); font-size: var(--text-sm);
  padding: 8px 12px;
  letter-spacing: 0.01em;
}
.apply-handoff-cancel:hover { color: var(--c-navy); }
@media (max-width: 480px) {
  .apply-handoff-card { padding: var(--s-6) var(--s-5); border-radius: 14px; }
  .apply-handoff-meta { gap: 6px 14px; }
}

/* ============ Mobile bar hide-on-form ============ */
.mobile-bar {
  transition: transform 280ms cubic-bezier(0.2, 0.7, 0.3, 1), opacity 220ms ease;
  will-change: transform;
}
.mobile-bar--hidden {
  transform: translateY(calc(100% + env(safe-area-inset-bottom, 0)));
  pointer-events: none;
  opacity: 0;
}

/* ============ Return-visit recall pill ============ */
.recall-pill {
  position: fixed;
  bottom: 18px; left: 50%;
  transform: translate(-50%, 120%);
  z-index: 4000;
  display: flex; align-items: center; gap: 14px;
  padding: 10px 14px 10px 18px;
  background: var(--c-navy);
  color: var(--c-cream);
  border-radius: 999px;
  box-shadow: 0 18px 40px -10px rgba(14, 42, 71, 0.5), 0 4px 14px -2px rgba(14, 42, 71, 0.25);
  border: 1px solid rgba(200, 162, 74, 0.35);
  max-width: calc(100vw - 32px);
  opacity: 0;
  transition: transform 320ms cubic-bezier(0.2, 0.7, 0.3, 1), opacity 240ms ease;
}
.recall-pill.open { transform: translate(-50%, 0); opacity: 1; }
.recall-pill-text { display: flex; flex-direction: column; line-height: 1.15; min-width: 0; }
.recall-pill-eyebrow {
  font-size: 10px; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--c-gold); font-weight: 600;
}
.recall-pill-line { font-size: var(--text-sm); color: var(--c-cream); }
.recall-pill .btn { flex-shrink: 0; }
.recall-pill-x {
  background: transparent; border: none; color: rgba(250,248,243,0.65);
  cursor: pointer; padding: 6px; border-radius: 8px;
  transition: color 160ms ease, background 160ms ease;
}
.recall-pill-x:hover { color: var(--c-cream); background: rgba(250,248,243,0.08); }
.recall-pill-x svg { width: 16px; height: 16px; }
@media (max-width: 600px) {
  .recall-pill { bottom: 76px; padding: 9px 12px 9px 14px; gap: 10px; }
  .recall-pill-line { font-size: 12px; }
  .recall-pill .btn { font-size: 12px; padding: 6px 10px; }
  .recall-pill-eyebrow { font-size: 9px; }
}

/* ============ Scheduling cue (Book a Call card) ============ */
.scheduling-cue {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: var(--s-5);
  font-size: var(--text-sm);
  color: rgba(244, 239, 231, 0.82);
  font-style: italic;
  line-height: 1.45;
}
.scheduling-cue-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #6ee7b7;
  box-shadow: 0 0 0 0 rgba(110, 231, 183, 0.6);
  animation: schedulingPulse 2.4s ease-out infinite;
  flex-shrink: 0;
}
@keyframes schedulingPulse {
  0%   { box-shadow: 0 0 0 0 rgba(110, 231, 183, 0.55); }
  70%  { box-shadow: 0 0 0 8px rgba(110, 231, 183, 0); }
  100% { box-shadow: 0 0 0 0 rgba(110, 231, 183, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .scheduling-cue-dot { animation: none; }
}

/* ============ Hero reviews slider (overlays hero photo) ============ */
.hero-image-wrap { position: relative; }

.hero-reviews {
  position: absolute;
  left: 16px;
  right: 16px;
  bottom: 16px;
  background: rgba(14, 42, 71, 0.92);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border: 1px solid rgba(200, 162, 74, 0.32);
  border-radius: 16px;
  padding: 18px 20px 14px;
  color: var(--c-cream);
  box-shadow: 0 16px 38px -14px rgba(14, 42, 71, 0.55), 0 4px 12px -2px rgba(14, 42, 71, 0.25);
  overflow: hidden;
}

.hero-reviews-track {
  position: relative;
  /* Fixed height matched to two-line quote at this size */
  min-height: 118px;
}

.hero-review {
  position: absolute;
  inset: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 480ms cubic-bezier(0.4, 0, 0.2, 1), transform 520ms cubic-bezier(0.2, 0.7, 0.3, 1);
  pointer-events: none;
}
.hero-review.is-active {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
  position: relative;
}

.hero-review-stars {
  color: var(--c-gold);
  font-size: 13px;
  letter-spacing: 2px;
  line-height: 1;
}

.hero-review blockquote {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 17px;
  line-height: 1.4;
  font-weight: 400;
  font-style: italic;
  color: var(--c-cream);
  /* Clamp to keep card height predictable */
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.hero-review figcaption {
  font-size: 12px;
  letter-spacing: 0.04em;
  color: rgba(244, 239, 231, 0.72);
  line-height: 1.4;
}
.hero-review figcaption b {
  color: var(--c-cream);
  font-weight: 600;
}

.hero-reviews-foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid rgba(244, 239, 231, 0.12);
}

.hero-reviews-dots {
  display: flex;
  gap: 6px;
  align-items: center;
}
.hero-reviews-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  border: none;
  background: rgba(244, 239, 231, 0.28);
  padding: 0;
  cursor: pointer;
  transition: background 220ms ease, transform 220ms ease, width 280ms cubic-bezier(0.2, 0.7, 0.3, 1);
}
.hero-reviews-dot:hover { background: rgba(244, 239, 231, 0.5); }
.hero-reviews-dot.is-active {
  background: var(--c-gold);
  width: 20px;
  border-radius: 4px;
}

.hero-reviews-src {
  font-size: 11px;
  letter-spacing: 0.04em;
  color: rgba(244, 239, 231, 0.66);
  text-align: right;
  flex-shrink: 0;
}
.hero-reviews-src span { color: var(--c-gold); font-weight: 500; }

@media (max-width: 900px) {
  .hero-reviews {
    left: 12px;
    right: 12px;
    bottom: 12px;
    padding: 16px 16px 12px;
    border-radius: 14px;
  }
  .hero-reviews-track { min-height: 124px; }
  .hero-review blockquote { font-size: 15.5px; -webkit-line-clamp: 4; }
  .hero-review figcaption { font-size: 11.5px; }
  .hero-reviews-foot { margin-top: 10px; padding-top: 8px; }
  .hero-reviews-src { font-size: 10.5px; }
  /* Bigger tap target on the dots themselves */
  .hero-reviews-dot { width: 8px; height: 8px; }
  .hero-reviews-dot.is-active { width: 22px; }
}

@media (max-width: 480px) {
  .hero-reviews { left: 10px; right: 10px; bottom: 10px; padding: 14px 14px 10px; }
  .hero-review blockquote { font-size: 14.5px; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-review { transition: opacity 200ms ease; transform: none; }
  .hero-review.is-active { transform: none; }
  .hero-reviews-dot { transition: none; }
}

/* ============================================================
   BLOG ARTICLE PAGES
   ============================================================ */

/* --- Article hero (the header block at top of each article) --- */
.article-hero {
  background: var(--c-linen);
  padding: clamp(var(--s-12), 6vw, var(--s-20)) 0 clamp(var(--s-8), 4vw, var(--s-12));
  border-bottom: 1px solid rgba(14, 42, 71, 0.08);
}
.article-hero .eyebrow { margin-bottom: var(--s-3); }
.article-hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2rem, 1.5rem + 3vw, 3.5rem);
  line-height: 1.12;
  letter-spacing: -0.025em;
  color: var(--c-navy);
  margin: 0 0 var(--s-5);
  max-width: 920px;
}
.article-lede {
  font-size: clamp(1.0625rem, 1rem + 0.4vw, 1.25rem);
  line-height: 1.55;
  color: var(--c-text-soft);
  max-width: 720px;
  margin: 0 0 var(--s-6);
}
.article-meta {
  display: flex; flex-wrap: wrap; align-items: center;
  gap: var(--s-2) var(--s-3);
  font-size: 0.875rem;
  color: var(--c-text-soft);
  padding-top: var(--s-5);
  border-top: 1px solid rgba(14, 42, 71, 0.08);
}
.article-meta b { color: var(--c-navy); font-weight: 600; }
.article-meta-sep { opacity: 0.5; }

/* --- Breadcrumb --- */
.breadcrumb {
  display: flex; flex-wrap: wrap; align-items: center;
  gap: var(--s-2);
  font-size: 0.8125rem;
  color: var(--c-text-soft);
  margin-bottom: var(--s-5);
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.02em;
}
.breadcrumb a {
  color: var(--c-text-soft);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}
.breadcrumb a:hover { color: var(--c-gold-dark); }
.bc-sep { opacity: 0.4; }
.bc-current { color: var(--c-navy); font-weight: 500; }

/* --- Table of contents --- */
.article-toc-wrap {
  background: var(--c-white);
  padding: var(--s-8) 0;
  border-bottom: 1px solid rgba(14, 42, 71, 0.06);
}
.article-toc {
  background: var(--c-linen);
  border-radius: 14px;
  border: 1px solid rgba(14, 42, 71, 0.08);
  padding: var(--s-6) var(--s-7);
  max-width: 820px;
  margin: 0 auto;
}
.toc-label {
  font-family: 'Inter', sans-serif;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--c-gold-dark);
  font-weight: 600;
  margin-bottom: var(--s-3);
}
.toc-list {
  list-style: none;
  padding: 0; margin: 0;
  counter-reset: toc-counter;
}
.toc-list li {
  counter-increment: toc-counter;
  padding: var(--s-2) 0;
  border-bottom: 1px solid rgba(14, 42, 71, 0.06);
  display: flex;
  align-items: baseline;
  gap: var(--s-3);
}
.toc-list li:last-child { border-bottom: none; }
.toc-list li::before {
  content: counter(toc-counter, decimal-leading-zero);
  font-family: 'Fraunces', serif;
  font-style: italic;
  color: var(--c-gold-dark);
  font-size: 0.875rem;
  font-weight: 500;
  flex-shrink: 0;
  min-width: 28px;
}
.toc-list a {
  color: var(--c-navy);
  text-decoration: none;
  font-size: 1rem;
  line-height: 1.5;
  font-family: 'Inter', sans-serif;
  transition: color 0.2s var(--ease);
}
.toc-list a:hover { color: var(--c-gold-dark); }

/* --- Article body --- */
.article-body {
  padding: clamp(var(--s-10), 5vw, var(--s-16)) 0;
  background: var(--c-white);
}
.article-body .container {
  max-width: 760px;
}
.article-body section { margin-bottom: var(--s-12); }
.article-body section:last-child { margin-bottom: 0; }
.article-body section[id] {
  scroll-margin-top: 90px;
}
.article-body h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.5rem, 1.2rem + 1.4vw, 2rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--c-navy);
  margin: 0 0 var(--s-5);
  padding-top: var(--s-2);
  position: relative;
}
.article-body h2::before {
  content: '';
  display: block;
  width: 40px; height: 2px;
  background: var(--c-gold);
  margin-bottom: var(--s-5);
}
.article-body h3 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.1875rem, 1.0625rem + 0.6vw, 1.5rem);
  line-height: 1.3;
  letter-spacing: -0.015em;
  color: var(--c-navy);
  font-weight: 500;
  margin: var(--s-8) 0 var(--s-4);
}
.article-body p {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--c-text);
  margin: 0 0 var(--s-5);
}
.article-body p:last-child { margin-bottom: 0; }
.article-body a {
  color: var(--c-navy);
  text-decoration: underline;
  text-decoration-color: var(--c-gold);
  text-decoration-thickness: 1.5px;
  text-underline-offset: 3px;
  transition: color 0.2s var(--ease), text-decoration-color 0.2s var(--ease);
}
.article-body a:hover { color: var(--c-gold-dark); text-decoration-color: var(--c-gold-dark); }
.article-body strong, .article-body b { color: var(--c-navy); font-weight: 600; }
.article-body em, .article-body i { font-style: italic; color: var(--c-navy); }

/* --- Lists in article body --- */
.article-body ul, .article-body ol {
  margin: 0 0 var(--s-6);
  padding-left: var(--s-6);
}
.article-body ul li, .article-body ol li {
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--c-text);
  margin-bottom: var(--s-2);
  padding-left: var(--s-2);
}
.article-body ul li::marker { color: var(--c-gold); }
.article-body ol li::marker { color: var(--c-gold-dark); font-family: 'Fraunces', serif; font-weight: 500; }

/* --- Pull quote --- */
.pull-quote {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: clamp(1.25rem, 1.125rem + 0.6vw, 1.5rem);
  line-height: 1.4;
  letter-spacing: -0.015em;
  color: var(--c-navy);
  border-left: 3px solid var(--c-gold);
  padding: var(--s-2) 0 var(--s-2) var(--s-6);
  margin: var(--s-8) 0;
  max-width: 640px;
}
.pull-quote::before {
  content: '\201C';
  font-family: 'Fraunces', serif;
  font-size: 3rem;
  line-height: 0;
  color: var(--c-gold);
  vertical-align: -0.4em;
  margin-right: 0.1em;
}

/* --- Callout boxes --- */
.callout {
  background: var(--c-linen);
  border-left: 3px solid var(--c-gold);
  border-radius: 0 10px 10px 0;
  padding: var(--s-5) var(--s-6);
  margin: var(--s-7) 0;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--c-text);
}
.callout p { font-size: 1rem; margin: 0 0 var(--s-2); }
.callout p:last-child { margin-bottom: 0; }
.callout-label {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 0.6875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--c-gold-dark);
  font-weight: 700;
  margin-bottom: var(--s-2);
}
.callout-warning {
  background: rgba(192, 86, 33, 0.06);
  border-left-color: #C05621;
}
.callout-warning .callout-label { color: #C05621; }

/* --- Data table --- */
.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--s-7) 0;
  font-size: 0.9375rem;
  background: var(--c-white);
  border: 1px solid rgba(14, 42, 71, 0.1);
  border-radius: 10px;
  overflow: hidden;
}
.data-table th {
  background: var(--c-navy);
  color: var(--c-cream);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-align: left;
  padding: var(--s-3) var(--s-4);
}
.data-table td {
  padding: var(--s-3) var(--s-4);
  border-top: 1px solid rgba(14, 42, 71, 0.08);
  color: var(--c-text);
  vertical-align: top;
  line-height: 1.5;
}
.data-table tr:nth-child(even) td { background: rgba(14, 42, 71, 0.02); }
.data-table td:first-child { font-weight: 500; color: var(--c-navy); }

/* --- FAQ within article (reuses .faq-* classes from homepage already) --- */
.article-faq .faq-list { background: var(--c-linen); }
.article-faq { margin-top: var(--s-12); }

/* --- Author card --- */
.article-author-card {
  background: var(--c-linen);
  border-radius: 16px;
  padding: clamp(var(--s-6), 3vw, var(--s-8));
  margin: var(--s-12) 0;
  border: 1px solid rgba(14, 42, 71, 0.08);
}
.author-card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
  align-items: start;
}
@media (min-width: 640px) {
  .author-card-grid { grid-template-columns: 120px 1fr; gap: var(--s-6); }
}
.author-photo {
  width: 100%;
  max-width: 120px;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  border-radius: 50%;
  border: 3px solid var(--c-white);
  box-shadow: 0 4px 16px -4px rgba(14, 42, 71, 0.2);
}
.article-author-card h3 {
  margin: var(--s-1) 0 var(--s-3);
  font-size: 1.25rem;
  color: var(--c-navy);
}
.article-author-card p {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--c-text-soft);
  margin-bottom: var(--s-4);
}
.author-cta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-3);
}

/* --- Related articles --- */
.article-related {
  margin-top: var(--s-12);
  padding-top: var(--s-10);
  border-top: 1px solid rgba(14, 42, 71, 0.08);
}
.article-related .eyebrow { margin-bottom: var(--s-2); }
.article-related h3 {
  font-size: clamp(1.375rem, 1.25rem + 0.4vw, 1.625rem);
  margin: 0 0 var(--s-6);
  color: var(--c-navy);
}
.related-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-4);
}
@media (min-width: 720px) {
  .related-grid { grid-template-columns: repeat(2, 1fr); }
}
.related-card {
  display: block;
  background: var(--c-white);
  border: 1px solid rgba(14, 42, 71, 0.1);
  border-radius: 12px;
  padding: var(--s-5);
  text-decoration: none !important;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s var(--ease);
}
.related-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px -8px rgba(14, 42, 71, 0.15);
  border-color: var(--c-gold);
}
.related-tag {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 0.6875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--c-gold-dark);
  font-weight: 600;
  margin-bottom: var(--s-2);
}
.related-card h4 {
  font-family: 'Fraunces', serif;
  font-size: 1.0625rem;
  line-height: 1.3;
  color: var(--c-navy);
  margin: 0 0 var(--s-2);
  font-weight: 500;
  letter-spacing: -0.01em;
}
.related-card p {
  font-size: 0.875rem;
  line-height: 1.5;
  color: var(--c-text-soft);
  margin: 0;
}

/* --- Mobile refinements --- */
@media (max-width: 640px) {
  .article-toc { padding: var(--s-5); }
  .article-toc-wrap { padding: var(--s-6) 0; }
  .article-body section { margin-bottom: var(--s-10); }
  .article-body h2 { font-size: 1.5rem; }
  .article-body h3 { font-size: 1.1875rem; margin-top: var(--s-6); }
  .article-body p, .article-body li { font-size: 1rem; line-height: 1.65; }
  .pull-quote {
    font-size: 1.1875rem;
    padding-left: var(--s-4);
    margin: var(--s-6) 0;
  }
  .callout { padding: var(--s-4) var(--s-5); margin: var(--s-6) 0; }
  .data-table { font-size: 0.875rem; }
  .data-table th, .data-table td { padding: var(--s-2) var(--s-3); }
  .article-author-card { padding: var(--s-5); }
  .author-photo { max-width: 80px; }
}

/* ============================================================
   Published article cards (blog index)
   ============================================================ */
.blog-published { padding-top: var(--s-12); padding-bottom: var(--s-6); }
.blog-published .section-head { max-width: 720px; margin-bottom: var(--s-10); }
.published-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
}
@media (min-width: 700px) { .published-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .published-grid { grid-template-columns: repeat(2, 1fr); } }
.published-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: 16px;
  padding: var(--s-7) var(--s-6) var(--s-6);
  text-decoration: none;
  color: inherit;
  transition: transform 0.25s var(--ease), border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.published-card:hover {
  transform: translateY(-3px);
  border-color: rgba(200, 162, 74, 0.55);
  box-shadow: 0 16px 40px rgba(14, 42, 71, 0.08);
}
.published-card .pub-eyebrow {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--c-gold);
}
.published-card h3 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.25rem, 1rem + 0.7vw, 1.55rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--c-navy);
  line-height: 1.22;
}
.published-card p {
  color: var(--c-text-mute);
  line-height: 1.6;
  font-size: 15px;
  flex: 1;
}
.published-card-meta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-3);
  font-size: 12px;
  color: var(--c-text-mute);
  margin-top: var(--s-2);
  align-items: center;
}
.published-card-meta .read-more {
  color: var(--c-navy);
  font-weight: 600;
  letter-spacing: 0.02em;
}
.published-card-meta .read-more::after {
  content: ' →';
  color: var(--c-gold);
  transition: transform 0.2s var(--ease);
  display: inline-block;
}
.published-card:hover .read-more::after { transform: translateX(2px); }
.published-card-meta .meta-dot { color: var(--c-border); }