/* CVE Mortgage Group */
@font-face{font-family:"Overpass";src:url("/fonts/overpass.woff2") format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Overpass Mono";src:url("/fonts/overpass-mono.woff2") format("woff2");font-weight:300 700;font-display:swap}

:root{
  --navy:#184177;--navy-deep:#01395f;--navy-ink:#0f2b52;--navy-tint:#e8eef7;
  --orange:#c95306;--orange-fill:#b84c05;--orange-deep:#9e3c00;--orange-tint:#fbeee4;
  --bg:#fff;--bg-soft:#f3f5f8;--rule:#dfe4ec;--rule-strong:#c5cdd9;
  --ink:#16213a;--ink-2:#4b5565;--ink-3:#5c6676;--on-navy:#cfdcef;
  --r:16px;--r-sm:10px;
  --gutter:clamp(16px,4vw,48px);--max:1200px;
  --sans:"Overpass",system-ui,-apple-system,"Segoe UI",sans-serif;--mono:"Overpass Mono",ui-monospace,monospace;
  --ease:cubic-bezier(.16,1,.3,1);
  --shadow:0 1px 2px rgba(0,0,0,.05),0 12px 32px -16px rgba(0,0,0,.22);
  --shadow-lg:0 2px 4px rgba(0,0,0,.05),0 28px 56px -24px rgba(0,0,0,.3);
  --bar-h:0px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px;scrollbar-color:var(--rule-strong) var(--bg)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition-duration:.01ms!important;animation-duration:.01ms!important}}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:clamp(16px,.35vw + 15px,18px);line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;padding-bottom:var(--bar-h)}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy);text-decoration-thickness:1.5px;text-underline-offset:.2em}
a:hover{color:var(--orange-deep)}
::selection{background:var(--navy);color:#fff}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{margin:0;line-height:1.1;letter-spacing:-.02em;font-weight:800;color:var(--navy-ink);text-wrap:balance}
p{margin:0 0 1em;text-wrap:pretty}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:var(--gutter)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:100;font-weight:700}
.skip:focus{top:12px}
.skip:hover{color:#fff}
.icon{width:1.1em;height:1.1em;flex:none;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.lead{font-size:clamp(1.05rem,.4vw + 1rem,1.25rem);color:var(--ink-2);max-width:56ch}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;font:700 1rem/1 var(--sans);padding:.95em 1.35em .85em;border-radius:var(--r-sm);border:0;cursor:pointer;text-decoration:none;min-height:50px;transition:background-color .2s,color .2s,box-shadow .25s var(--ease),transform .25s var(--ease)}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:none}
.btn--primary{background:var(--orange-fill);color:#fff;box-shadow:0 8px 20px -10px rgba(158,60,0,.7)}
.btn--primary:hover{background:var(--orange-deep);color:#fff}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy-ink);color:#fff}
.btn--outline{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--rule-strong)}
.btn--outline:hover{box-shadow:inset 0 0 0 1.5px var(--navy);color:var(--navy)}
.btn--outline-light{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.5)}
.btn--outline-light:hover{box-shadow:inset 0 0 0 1.5px #fff;color:#fff}
.btn .icon{width:1.15em;height:1.15em}
.arrow-link{display:inline-flex;align-items:center;gap:.4em;font-weight:700;text-decoration:none;color:var(--navy)}
.arrow-link .icon{transition:transform .25s var(--ease)}
.arrow-link:hover .icon{transform:translateX(3px)}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;gap:20px;min-height:76px}
.brand{display:flex;align-items:center;text-decoration:none;flex:none}
.brand img{width:118px;height:auto}
.nav{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav a{text-decoration:none;font-weight:600;font-size:.95rem;padding:9px 12px;white-space:nowrap;border-radius:8px;color:var(--ink-2);transition:color .2s,background-color .2s}
.nav a:hover{color:var(--navy);background:var(--bg-soft)}
.nav a[aria-current=page]{color:var(--navy);background:var(--navy-tint)}
.nav .btn--primary,.nav .btn--primary:hover{color:#fff;background:var(--orange-fill)}
.nav .btn--outline{color:var(--navy);background:#fff}
.head-call{display:inline-flex;align-items:center;gap:8px;white-space:nowrap;text-decoration:none;color:var(--navy);font:600 1rem/1 var(--mono);padding:9px 12px;border-radius:8px}
.head-call:hover{background:var(--bg-soft)}
.head-book{min-height:44px;padding:.75em 1.1em .65em;font-size:.95rem;white-space:nowrap}
.menu-btn{display:none;margin-left:auto;background:transparent;border:0;color:var(--navy);padding:10px;border-radius:8px;cursor:pointer}
.menu-btn .icon{width:26px;height:26px}
@media (max-width:1100px){
  .nav{position:fixed;inset:77px 0 auto 0;flex-direction:column;align-items:stretch;background:#fff;padding:10px var(--gutter) 24px;gap:2px;border-bottom:1px solid var(--rule);box-shadow:var(--shadow-lg);transform:translateY(-6px);opacity:0;visibility:hidden;transition:opacity .2s var(--ease),transform .3s var(--ease),visibility 0s .3s}
  .nav.open{opacity:1;transform:none;visibility:visible;transition:opacity .2s var(--ease),transform .3s var(--ease)}
  .nav a{font-size:1.1rem;padding:14px 12px}
  .nav .nav-cta{margin-top:10px;display:grid;gap:8px}
  .menu-btn{display:block}
  .head-call,.head-book{display:none}
}
@media (min-width:1101px){.nav .nav-cta{display:none}}

/* mobile action bar */
.action-bar{display:none}
@media (max-width:760px){
  :root{--bar-h:74px}
  .action-bar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);padding:10px 12px calc(10px + env(safe-area-inset-bottom));border-top:1px solid var(--rule)}
  .action-bar .btn{min-height:50px;font-size:.98rem}
}

/* status line */
.status{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.9rem;color:var(--ink-2)}
.status-dot{width:9px;height:9px;border-radius:50%;background:#1f8a4c;box-shadow:0 0 0 3px rgba(31,138,76,.18);flex:none}
.status[data-state=closed] .status-dot{background:#9aa3b2;box-shadow:0 0 0 3px rgba(154,163,178,.2)}

/* hero */
.hero{padding:clamp(40px,6vw,88px) 0 clamp(40px,6vw,80px);background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:center}
.hero h1{font-size:clamp(2.5rem,4.6vw,4.25rem);font-weight:800;line-height:1.02;letter-spacing:-.03em;max-width:14ch;margin-bottom:22px}
.hero h1 em{font-style:normal;color:var(--orange-deep)}
.hero .lead{margin-bottom:30px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.trust{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.92rem;color:var(--ink-2);font-weight:600}
.trust li{display:flex;align-items:center;gap:7px}
.trust .icon{color:var(--orange);width:1.05em;height:1.05em}
.hero-media{position:relative}
.hero-photo{border-radius:20px;overflow:hidden;aspect-ratio:5/4;box-shadow:var(--shadow-lg)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 45%}
.open-card{position:absolute;left:-18px;bottom:-22px;background:#fff;border-radius:14px;padding:18px 22px 16px;box-shadow:var(--shadow-lg);border:1px solid var(--rule);min-width:250px}
.open-card .num{display:block;font:600 1.5rem/1.2 var(--mono);color:var(--navy);text-decoration:none;margin-top:6px}
.open-card .num:hover{color:var(--orange-deep)}
.open-card small{display:block;color:var(--ink-3);font-size:.85rem;margin-top:4px}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr}
  .hero h1{max-width:none}
  .hero-photo{aspect-ratio:4/3}
  .open-card{left:16px;bottom:-26px}
  .hero-media{margin-bottom:28px}
}

/* sections */
.section{padding:clamp(64px,8vw,112px) 0}
.section--soft{background:var(--bg-soft)}
.section--navy{background:var(--navy-ink);color:#fff}
.section--navy h2,.section--navy h3{color:#fff}
.sec-head{max-width:720px;margin-bottom:clamp(32px,4vw,52px)}
.sec-head h2{font-size:clamp(1.9rem,3.2vw,2.75rem);margin-bottom:12px}
.sec-head p{font-size:1.1rem;color:var(--ink-2);margin:0}
.section--navy .sec-head p{color:var(--on-navy)}
.sec-head--row{display:flex;align-items:end;justify-content:space-between;gap:24px;max-width:none;flex-wrap:wrap}
.sec-head--row>div{max-width:720px}

/* services */
.svc-groups{display:grid;gap:clamp(40px,5vw,64px)}
.svc-group h3{font-size:1.35rem;margin-bottom:6px}
.svc-group>p{color:var(--ink-2);margin-bottom:20px;max-width:60ch}
.svc-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.svc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:26px 26px 22px;text-decoration:none;color:inherit;box-shadow:var(--shadow);transition:border-color .2s,box-shadow .3s var(--ease),transform .3s var(--ease)}
.svc:hover{border-color:var(--navy);box-shadow:var(--shadow-lg);transform:translateY(-2px);color:inherit}
.svc-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.svc-icon{color:var(--orange-deep);display:inline-flex;flex:none}
.svc-icon .icon{width:24px;height:24px}
.svc h3,.svc h4{font-size:1.15rem;margin:0}
.svc p{font-size:.97rem;color:var(--ink-2);margin-bottom:18px}
.svc .arrow-link{margin-top:auto;font-size:.95rem}
@media (max-width:1000px){.svc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.svc-grid{grid-template-columns:1fr}}

/* compare */
.compare{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr) minmax(0,1fr);border:1px solid var(--rule);border-radius:var(--r);overflow:hidden;background:#fff}
.compare>div{padding:18px 22px;border-bottom:1px solid var(--rule);display:flex;align-items:center;font-size:.98rem}
.compare>div:nth-last-child(-n+3){border-bottom:0}
.compare .c-head{font-weight:800;color:var(--navy-ink);font-size:1.05rem;background:var(--bg-soft)}
.compare .c-label{font-weight:700;color:var(--ink)}
.compare .c-bank{color:var(--ink-2)}
.compare .c-cve{background:var(--navy-tint);color:var(--navy-ink);font-weight:600;gap:10px}
.compare .c-cve .icon{color:var(--orange);flex:none}
.compare .c-head.c-cve{background:var(--navy);color:#fff}
@media (max-width:700px){
  .compare{grid-template-columns:1fr 1fr}
  .compare .c-label{grid-column:1/-1;border-bottom:0;padding-bottom:4px;background:#fff}
  .compare>div:nth-last-child(-n+3){border-bottom:1px solid var(--rule)}
  .compare>div:last-child{border-bottom:0}
  .compare .c-head.c-label{display:none}
}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(20px,3vw,40px);counter-reset:step}
.step{position:relative;padding-top:18px;border-top:2px solid var(--rule)}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);position:absolute;top:-13px;left:0;background:var(--bg);padding-right:10px;font:600 .9rem/1 var(--mono);color:var(--orange-deep);letter-spacing:.04em}
.section--soft .step::before{background:var(--bg-soft)}
.step h3{font-size:1.2rem;margin:4px 0 8px}
.step p{font-size:.97rem;color:var(--ink-2);margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* team */
.team-intro{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(28px,5vw,72px);align-items:center;margin-bottom:clamp(36px,5vw,56px)}
.team-intro .photo{border-radius:20px;overflow:hidden;aspect-ratio:3/2;box-shadow:var(--shadow)}
.team-intro .photo img{width:100%;height:100%;object-fit:cover}
.team-intro h2{font-size:clamp(1.9rem,3.2vw,2.75rem);margin-bottom:14px}
.team-intro p{color:var(--ink-2);font-size:1.08rem}
.team-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(16px,2vw,24px)}
.person{text-decoration:none;color:inherit}
.person:hover{color:inherit}
.person-photo{aspect-ratio:4/5;overflow:hidden;border-radius:14px;background:var(--bg-soft)}
.person-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 20%;transition:transform .7s var(--ease)}
.person:hover .person-photo img{transform:scale(1.03)}
.person h3{font-size:1.1rem;margin:14px 0 2px}
.person .role{font-size:.88rem;color:var(--ink-3);font-weight:600}
.person p{font-size:.93rem;color:var(--ink-2);margin:8px 0 0}
@media (max-width:900px){.team-intro{grid-template-columns:1fr}.team-row{grid-template-columns:1fr 1fr}}

/* promise */
.promise{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 32px;max-width:980px}
.promise li{display:flex;gap:14px;align-items:flex-start;font-weight:600;font-size:1.08rem;line-height:1.4;padding:16px 0;border-bottom:1px solid var(--rule);color:var(--navy-ink)}
.promise .icon{color:var(--orange);margin-top:4px;flex:none}
@media (max-width:700px){.promise{grid-template-columns:1fr}}

/* testimonials */
.reviews{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(300px,calc(33.333% - 12px));gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 2px 20px;scrollbar-width:thin}
.review{scroll-snap-align:start;background:#fff;border:1px solid var(--rule);border-radius:var(--r);box-shadow:var(--shadow);padding:28px 26px 24px;display:flex;flex-direction:column}
.review blockquote{margin:0 0 18px;font-size:1.02rem;line-height:1.55;color:var(--ink)}
.review cite{margin-top:auto;font-style:normal;font-weight:700;color:var(--navy-ink);display:flex;flex-direction:column}
.review cite span{font-size:.85rem;color:var(--ink-3);font-weight:600}
.reviews-nav{display:flex;gap:8px}
.reviews-nav button{width:46px;height:46px;border-radius:10px;border:1px solid var(--rule-strong);background:#fff;color:var(--navy);cursor:pointer;display:grid;place-items:center;transition:background-color .2s,border-color .2s}
.reviews-nav button:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.reviews-nav button:first-child .icon{transform:scaleX(-1)}
@media (max-width:760px){.reviews{grid-auto-columns:86%}}

/* visit + hours */
.visit{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(18px,3vw,32px);align-items:start}
.card{background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:clamp(24px,3vw,36px);box-shadow:var(--shadow)}
.card h3{font-size:1.3rem;margin-bottom:14px}
.contact-list{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.contact-list li{display:flex;gap:12px;align-items:flex-start;line-height:1.45}
.contact-list .icon{color:var(--orange);margin-top:4px;flex:none}
.contact-list a{text-decoration:none;font-weight:700}
.contact-list a:hover{text-decoration:underline}
.contact-list small{display:block;color:var(--ink-3);font-weight:400}
.hours table{width:100%;border-collapse:collapse;font-size:1rem}
.hours th{text-align:left;font-weight:600;padding:10px 0;border-bottom:1px solid var(--rule);color:var(--ink)}
.hours td{text-align:right;padding:10px 0;border-bottom:1px solid var(--rule);font-family:var(--mono);font-variant-numeric:tabular-nums;color:var(--ink-2)}
.hours tr:last-child th,.hours tr:last-child td{border-bottom:0}
.hours tr.today th,.hours tr.today td{color:var(--navy);font-weight:700}
.hours tr.today th::after{content:"today";margin-left:8px;font:600 .72rem/1 var(--sans);letter-spacing:.04em;text-transform:uppercase;background:var(--orange-tint);color:var(--orange-deep);padding:4px 7px 3px;border-radius:5px;vertical-align:middle}
@media (max-width:820px){.visit{grid-template-columns:1fr}}

/* consult form */
.consult{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.25fr);gap:clamp(28px,5vw,72px);align-items:start}
.consult-intro h2{font-size:clamp(1.9rem,3.2vw,2.75rem);margin-bottom:14px}
.consult-intro p{color:var(--ink-2);font-size:1.08rem}
.consult-intro .or-call{margin-top:26px;padding-top:22px;border-top:1px solid var(--rule)}
.consult-intro .or-call a{display:block;margin-top:6px;font:600 1.6rem/1.3 var(--mono);color:var(--navy);text-decoration:none}
.consult-intro .or-call a:hover{color:var(--orange-deep)}
.form{background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:clamp(22px,3vw,40px);box-shadow:var(--shadow)}
.form fieldset{border:0;padding:0;margin:0 0 22px}
.form legend{font-weight:700;font-size:1.05rem;color:var(--navy-ink);margin-bottom:12px;padding:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;pointer-events:none}
.chip span{display:inline-flex;align-items:center;min-height:42px;padding:9px 14px 7px;border-radius:999px;background:#fff;box-shadow:inset 0 0 0 1.5px var(--rule-strong);font-weight:600;font-size:.93rem;color:var(--ink);cursor:pointer;transition:background-color .15s,box-shadow .15s,color .15s}
.chip:hover span{box-shadow:inset 0 0 0 1.5px var(--navy)}
.chip input:checked+span{background:var(--navy);color:#fff;box-shadow:inset 0 0 0 1.5px var(--navy)}
.chip input:focus-visible+span{outline:3px solid var(--orange);outline-offset:2px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field--full{grid-column:1/-1}
.field label{font-weight:600;font-size:.93rem}
.field label small{font-weight:400;color:var(--ink-3)}
.field input,.field select,.field textarea{font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1.5px solid var(--rule-strong);border-radius:var(--r-sm);padding:12px 14px 10px;min-height:50px;transition:border-color .15s,box-shadow .15s;caret-color:var(--navy);width:100%}
.field textarea{min-height:110px;resize:vertical}
.field input:hover,.field select:hover,.field textarea:hover{border-color:#9aa3b2}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px rgba(24,65,119,.14)}
.field input[aria-invalid=true]{border-color:#b42318}
.field .err{font-size:.85rem;color:#b42318;font-weight:600}
.field input::placeholder,.field textarea::placeholder{color:#5c6676}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;margin-top:22px}
.form-foot small{color:var(--ink-3);font-size:.85rem;max-width:42ch;line-height:1.45}
.form .btn[disabled]{opacity:.7;cursor:progress;transform:none}
.form-msg{display:none;margin-top:18px;border-radius:var(--r-sm);padding:16px 18px;font-weight:600;line-height:1.5}
.form-msg.show{display:block}
.form-msg--ok{background:var(--navy-tint);color:var(--navy-ink);border:1px solid #c8d6ea}
.form-msg--ok strong{display:block;font-size:1.2rem;font-weight:800;margin-bottom:2px}
.form-msg--err{background:#fdecea;color:#7a1a12;border:1px solid #f3c2bd}
.form-msg a{color:inherit}
@media (max-width:900px){.consult{grid-template-columns:1fr}}
@media (max-width:560px){.fields{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--navy-ink);color:var(--on-navy);padding:clamp(48px,6vw,80px) 0 calc(32px + var(--bar-h))}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:clamp(24px,4vw,56px)}
.foot h2{font-size:1.25rem;color:#fff;margin-bottom:12px}
.foot h3{font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:#ffb78a;margin-bottom:14px;font-weight:700}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.foot a{text-decoration:none;color:#fff}
.foot a:hover{text-decoration:underline;color:#fff}
.foot p{font-size:.95rem}
.foot .legal{margin-top:clamp(32px,4vw,52px);padding-top:20px;border-top:1px solid rgba(255,255,255,.14);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.85rem}
.social{display:flex;gap:8px;margin-top:14px}
.social a{width:42px;height:42px;border-radius:10px;display:grid;place-items:center;background:rgba(255,255,255,.08);transition:background-color .2s}
.social a:hover{background:var(--orange-fill)}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* inner pages */
.page-hero{background:var(--bg-soft);padding:clamp(28px,4vw,48px) 0 clamp(40px,5vw,72px);border-bottom:1px solid var(--rule)}
.crumbs{display:flex;flex-wrap:wrap;gap:6px;align-items:center;font-size:.88rem;font-weight:600;color:var(--ink-3);margin-bottom:22px}
.crumbs a{color:var(--ink-3);text-decoration:none}
.crumbs a:hover{color:var(--navy)}
.crumbs .icon{width:14px;height:14px}
.page-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(280px,.9fr);gap:clamp(28px,5vw,64px);align-items:center}
.page-hero h1{font-size:clamp(2.2rem,4.2vw,3.6rem);line-height:1.04;letter-spacing:-.03em;margin-bottom:16px}
.page-hero .lead{margin:0}
.page-photo{border-radius:20px;overflow:hidden;aspect-ratio:4/3;box-shadow:var(--shadow)}
.page-photo img{width:100%;height:100%;object-fit:cover}
.page-photo--tall{aspect-ratio:4/5}
@media (max-width:860px){.page-grid{grid-template-columns:1fr}.page-photo--tall{aspect-ratio:4/3}}

.prose{max-width:66ch}
.prose h2{font-size:clamp(1.6rem,2.6vw,2.2rem);margin:2em 0 .6em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.25rem;margin:1.6em 0 .5em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.prose li::marker{color:var(--orange)}
.split{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,1fr);gap:clamp(28px,5vw,80px);align-items:start}
.aside-stack{position:sticky;top:100px;display:grid;gap:16px}
@media (max-width:960px){.split{grid-template-columns:1fr}.aside-stack{position:relative;top:0}}

.benefits{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 32px}
.benefits li{padding:16px 0;border-bottom:1px solid var(--rule)}
.benefits h3{font-size:1.08rem;margin:0 0 6px;display:flex;gap:9px;align-items:center}
.benefits h3 .icon{color:var(--orange)}
.benefits p{margin:0;font-size:.95rem;color:var(--ink-2)}
@media (max-width:600px){.benefits{grid-template-columns:1fr}}

.card--navy{background:var(--navy);border-color:var(--navy);color:#fff}
.card--navy h3{color:#fff}
.card ul.checks{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.card ul.checks li{display:flex;gap:10px;align-items:flex-start;font-size:.97rem;line-height:1.45}
.card ul.checks .icon{color:var(--orange);margin-top:3px;flex:none}
.card--navy ul.checks .icon{color:#ffb78a}
.card--navy .note{font-size:.85rem;color:var(--on-navy);margin:14px 0 0}
.call-card .num{display:block;font:600 1.5rem/1.2 var(--mono);color:var(--navy);text-decoration:none;margin:8px 0 14px}
.call-card .num:hover{color:var(--orange-deep)}

.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--rule);border-radius:12px;transition:border-color .2s}
.faq details[open]{border-color:var(--navy)}
.faq summary{list-style:none;cursor:pointer;padding:20px 60px 18px 22px;font-weight:700;font-size:1.05rem;color:var(--navy-ink);position:relative;line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:18px;top:50%;width:22px;height:22px;margin-top:-11px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23184177' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") center/contain no-repeat;transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:rotate(180deg)}
.faq .ans{padding:0 22px 20px;color:var(--ink-2)}
.faq .ans p:last-child{margin:0}

.quote-band{background:var(--navy-ink);color:#fff;padding:clamp(48px,6vw,80px) 0}
.quote-band blockquote{margin:0;font-weight:600;font-size:clamp(1.25rem,2vw,1.7rem);line-height:1.4;max-width:38ch}
.quote-band cite{display:block;margin-top:16px;font-size:.9rem;font-weight:600;color:#ffb78a;font-style:normal}

.team-list{display:grid;gap:clamp(40px,6vw,80px)}
.member{display:grid;grid-template-columns:minmax(220px,.75fr) minmax(0,1.6fr);gap:clamp(24px,4vw,56px);align-items:start;scroll-margin-top:100px}
.member-photo{border-radius:18px;overflow:hidden;aspect-ratio:4/5;background:var(--bg-soft);box-shadow:var(--shadow)}
.member-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.member h2{font-size:clamp(1.7rem,2.6vw,2.2rem);margin-bottom:4px}
.member .role{display:block;font-weight:600;color:var(--orange-deep);margin-bottom:18px}
.member .facts{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.member .facts span{background:var(--bg-soft);border-radius:999px;padding:6px 12px 4px;font-size:.85rem;font-weight:600;color:var(--navy-ink)}
@media (max-width:760px){.member{grid-template-columns:1fr}.member-photo{max-width:380px}}

.notfound{min-height:60vh;display:grid;place-items:center;text-align:center;padding:60px var(--gutter)}
.notfound h1{font-size:clamp(2.4rem,5vw,4rem);margin-bottom:12px}
.notfound p{color:var(--ink-2);margin-bottom:24px}

/* ===== dynamic layer ===== */
.hero{position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-10%;top:-30%;width:60%;height:140%;background:radial-gradient(closest-side,rgba(24,65,119,.10),transparent 70%);pointer-events:none}
.hero .wrap{position:relative}
.hero h1 em{font-style:normal;color:var(--orange-deep)}
.hero-grid{align-items:start}
.calc-card{background:#fff;border:1px solid var(--rule);border-radius:20px;padding:clamp(22px,2.6vw,32px);box-shadow:var(--shadow-lg)}
.calc-card h2{font-size:1.25rem;margin-bottom:4px}
.calc-card .sub{font-size:.92rem;color:var(--ink-3);margin-bottom:18px}
.ctl{display:grid;gap:6px;margin-bottom:14px}
.ctl-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.ctl label{font-weight:600;font-size:.92rem;color:var(--ink)}
.ctl output,.ctl .val{font:600 1rem/1 var(--mono);color:var(--navy);font-variant-numeric:tabular-nums}
.ctl input[type=number],.ctl select,.ctl input[type=text]{font:inherit;font-size:1rem;font-family:var(--mono);color:var(--ink);background:#fff;border:1.5px solid var(--rule-strong);border-radius:var(--r-sm);padding:10px 12px 8px;min-height:46px;width:100%;transition:border-color .15s,box-shadow .15s}
.ctl input:focus,.ctl select:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px rgba(24,65,119,.14)}
.ctl-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
.ctl-grid .ctl{margin-bottom:0}
.ctl .unit{position:relative}
.ctl .unit input{padding-right:40px}
.ctl .unit span{position:absolute;right:12px;top:50%;transform:translateY(-50%);font:600 .9rem var(--mono);color:var(--ink-3)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;margin:0;cursor:pointer}
input[type=range]:focus{outline:0}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(90deg,var(--navy) var(--pct,50%),var(--rule) var(--pct,50%))}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--rule)}
input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--navy)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:2.5px solid var(--navy);margin-top:-8px;box-shadow:0 2px 6px rgba(0,0,0,.2);transition:transform .15s}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2.5px solid var(--navy);box-shadow:0 2px 6px rgba(0,0,0,.2)}
input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(201,83,6,.35)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.1)}
.calc-out{margin-top:18px;padding-top:18px;border-top:1px solid var(--rule);display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-out .big{font:600 clamp(1.5rem,2.2vw,1.9rem)/1.1 var(--mono);color:var(--navy-ink);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.calc-out .big.pos{color:var(--orange-deep)}
.calc-out .lbl{font-size:.85rem;color:var(--ink-3);font-weight:600;margin-top:4px;line-height:1.35}
.calc-out .wide{grid-column:1/-1;background:var(--navy-tint);border-radius:12px;padding:16px 18px 14px}
.calc-note{font-size:.8rem;color:var(--ink-3);margin:14px 0 0;line-height:1.45}
.calc-card .btn{margin-top:16px;width:100%}

/* stats band */
.stats-band{background:var(--navy-ink);color:#fff}
.stats-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;align-items:stretch;max-width:none;padding-inline:0}
.stats-panel{padding:clamp(48px,6vw,88px) clamp(24px,4vw,56px) clamp(48px,6vw,88px) max(var(--gutter),calc((100vw - var(--max)) / 2 + var(--gutter)));display:flex;flex-direction:column;justify-content:center}
.stats-band h2{color:#fff;font-size:clamp(1.8rem,3vw,2.6rem);max-width:18ch;margin-bottom:clamp(28px,4vw,44px)}
.stats-photo{min-height:420px;position:relative}
.stats-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 40%}
.stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 20px;max-width:560px}
.stat .n{font:600 clamp(2.2rem,4vw,3.4rem)/1 var(--mono);color:#fff;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.stat .n small{font-size:.55em;color:#ffb78a;margin-left:2px}
.stat .l{margin-top:8px;font-size:.95rem;color:var(--on-navy);font-weight:600;max-width:16ch}
@media (max-width:860px){.stats-grid{grid-template-columns:1fr}.stats-photo{min-height:0;aspect-ratio:4/3;order:-1}}

/* finder */
.finder{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.3fr);gap:clamp(24px,4vw,56px);align-items:start}
.finder-pick .chips{gap:10px}
.finder-pick .chip span{min-height:46px;font-size:.98rem;padding:10px 16px 8px}
.finder-pick .chip input:checked+span{background:var(--orange-fill);box-shadow:inset 0 0 0 1.5px var(--orange-fill)}
.finder-pick .hint{font-size:.9rem;color:var(--ink-3);margin-top:14px}
.finder-out{min-height:240px}
.finder-empty{border:1.5px dashed var(--rule-strong);border-radius:var(--r);padding:36px 28px;color:var(--ink-3);text-align:center;font-weight:600}
.rec{display:grid;gap:14px}
.rec-card{display:grid;grid-template-columns:auto minmax(0,1fr);gap:16px;background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:20px 22px 18px;align-items:start;animation:recIn .5s var(--ease) both}
.rec-card:nth-child(2){animation-delay:.06s}.rec-card:nth-child(3){animation-delay:.12s}
@keyframes recIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.rec-card .rank{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:600 .95rem/1 var(--mono)}
.rec-card:first-child .rank{background:var(--orange-fill)}
.rec-card h3{font-size:1.15rem;margin-bottom:4px}
.rec-card p{font-size:.95rem;color:var(--ink-2);margin:0 0 8px}
.rec-card .why{font-size:.88rem;color:var(--navy);font-weight:600}
.docs{background:var(--navy-tint);border-radius:var(--r);padding:20px 22px 16px}
.docs h3{font-size:1.05rem;margin-bottom:10px}
.docs ul{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:6px 18px}
.docs li{display:flex;gap:8px;align-items:flex-start;font-size:.93rem;line-height:1.4}
.docs .icon{color:var(--orange);margin-top:3px}
.docs .actions{margin-top:14px;display:flex;flex-wrap:wrap;gap:10px}
@media (max-width:860px){.finder{grid-template-columns:1fr}.docs ul{grid-template-columns:1fr}}

/* tools (calculators) */
.tabs{display:flex;gap:4px;background:var(--bg-soft);padding:4px;border-radius:12px;margin-bottom:clamp(20px,3vw,32px);overflow-x:auto}
.tabs button{flex:1 0 auto;background:transparent;border:0;font:700 .95rem/1 var(--sans);color:var(--ink-2);padding:12px 16px 10px;border-radius:9px;cursor:pointer;white-space:nowrap;transition:background-color .2s,color .2s,box-shadow .2s}
.tabs button[aria-selected=true]{background:#fff;color:var(--navy);box-shadow:var(--shadow)}
.tabs button:hover{color:var(--navy)}
.tool{display:none;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(20px,3vw,40px);align-items:start}
.tool.active{display:grid}
.tool-in{background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:clamp(20px,2.6vw,30px)}
.tool-in h3{font-size:1.2rem;margin-bottom:4px}
.tool-in .sub{font-size:.92rem;color:var(--ink-3);margin-bottom:18px}
.tool-out{position:sticky;top:96px}
.out-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.out{background:var(--bg-soft);border-radius:12px;padding:16px 18px 14px}
.out.hero-out{grid-column:1/-1;background:var(--navy);color:#fff}
.out .n{font:600 clamp(1.4rem,2vw,1.8rem)/1.1 var(--mono);font-variant-numeric:tabular-nums;color:var(--navy-ink);letter-spacing:-.01em}
.out.hero-out .n{color:#fff;font-size:clamp(2rem,3vw,2.6rem)}
.out .l{font-size:.85rem;color:var(--ink-3);font-weight:600;margin-top:4px;line-height:1.35}
.out.hero-out .l{color:var(--on-navy)}
.out .n.good{color:var(--orange-deep)}
.tool-out .prose-sm{font-size:.92rem;color:var(--ink-2);margin-top:16px}
.tool-out .prose-sm p{margin-bottom:.6em}
.debts{display:grid;gap:10px}
.debt{display:grid;grid-template-columns:1.4fr 1fr 1fr auto;gap:8px;align-items:end}
.debt .ctl{margin:0}
.debt button{background:transparent;border:0;color:var(--ink-3);cursor:pointer;min-height:46px;padding:0 8px;border-radius:8px}
.debt button:hover{color:#b42318;background:#fdecea}
.add-debt{margin-top:10px}
@media (max-width:860px){.tool{grid-template-columns:1fr}.tool-out{position:relative;top:0}.debt{grid-template-columns:1fr 1fr}.debt .ctl:first-child{grid-column:1/-1}}

/* reveals */
@media (prefers-reduced-motion:no-preference){
  [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .9s var(--ease)}
  [data-reveal].in{opacity:1;transform:none}
  [data-reveal-stagger]>*{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .8s var(--ease)}
  [data-reveal-stagger].in>*{opacity:1;transform:none}
  [data-reveal-stagger].in>*:nth-child(2){transition-delay:.07s}[data-reveal-stagger].in>*:nth-child(3){transition-delay:.14s}[data-reveal-stagger].in>*:nth-child(4){transition-delay:.21s}[data-reveal-stagger].in>*:nth-child(5){transition-delay:.28s}[data-reveal-stagger].in>*:nth-child(n+6){transition-delay:.33s}
}
.tick{transition:color .3s}
.tools-teaser{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 clamp(24px,4vw,56px)}
.tools-teaser a{display:flex;flex-direction:column;gap:6px;padding:20px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:inherit;transition:color .2s}
.tools-teaser a:hover{color:inherit}
.tools-teaser a:hover h3{color:var(--orange-deep)}
.tools-teaser .th{display:flex;align-items:center;gap:12px}
.tools-teaser .icon{color:var(--orange-deep);width:24px;height:24px}
.tools-teaser h3{font-size:1.12rem;transition:color .2s}
.tools-teaser p{font-size:.92rem;color:var(--ink-2);margin:0}
@media (max-width:700px){.tools-teaser{grid-template-columns:1fr}}