/* ==== tokens.css ==== */
/* ==========================================================================
   Home Loans with Aaron — Design Tokens
   Palette: warm stone paper, ink navy-charcoal, Capitol navy, foothill gold.
   Deliberately not the cream+terracotta / near-black+neon defaults.
   ========================================================================== */

:root {
  /* ---- Color: ink & paper ---- */
  --ink: #1c232c;           /* primary text, near-black navy-charcoal */
  --ink-soft: #4d5866;      /* secondary text */
  --ink-faint: #7c8492;     /* tertiary text, placeholders */
  --paper: #f8f6f1;         /* page background, warm stone-white */
  --paper-dim: #efeae0;     /* card / section background */
  --paper-line: #ddd5c4;    /* hairline borders, warm grey */

  /* ---- Color: brand ---- */
  --navy: #1f3a5c;          /* Capitol Direct Lending navy — secondary brand */
  --navy-deep: #142943;     /* darker navy for footer / bands */
  --gold: #b1852f;          /* foothill gold — primary accent, CTAs */
  --gold-deep: #8f6a22;     /* gold hover/active */
  --gold-soft: #e9d6ab;     /* light gold tint, backgrounds */
  --gold-faint: #f4ecd8;    /* very light gold wash */

  /* ---- Color: utility ---- */
  --white: #ffffff;
  --error: #a33b32;
  --success: #3f6b4c;
  --focus-ring: #1f3a5c;

  /* ---- Type families ---- */
  --font-display: "Fraunces", "Iowan Old Style", ui-serif, Georgia, serif;
  --font-body: "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono: "Roboto Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  /* ---- Type scale ---- */
  --fs-eyebrow: 0.78rem;
  --fs-small: 0.9rem;
  --fs-body: 1.0625rem;
  --fs-lead: 1.25rem;
  --fs-h4: 1.3rem;
  --fs-h3: clamp(1.5rem, 1.2rem + 1.2vw, 2rem);
  --fs-h2: clamp(2.1rem, 1.6rem + 2vw, 3.1rem);
  --fs-h1: clamp(2.9rem, 2.1rem + 3.4vw, 4.75rem);
  --lh-tight: 1.08;
  --lh-snug: 1.28;
  --lh-body: 1.6;

  /* ---- Spacing scale ---- */
  --space-3xs: 0.25rem;
  --space-2xs: 0.5rem;
  --space-xs: 0.75rem;
  --space-sm: 1.25rem;
  --space-md: 2rem;
  --space-lg: 3.25rem;
  --space-xl: 5.25rem;
  --space-2xl: 8rem;

  /* ---- Layout ---- */
  --content-width: 1220px;
  --content-pad: clamp(1.25rem, 4vw, 3rem);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 22px;

  /* ---- Motion ---- */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --dur-fast: 180ms;
  --dur-med: 420ms;
  --dur-slow: 900ms;

  /* ---- Elevation ---- */
  --shadow-card: 0 1px 2px rgba(28, 35, 44, 0.04), 0 12px 28px -14px rgba(28, 35, 44, 0.22);
  --shadow-lifted: 0 8px 16px -6px rgba(28, 35, 44, 0.18), 0 28px 48px -20px rgba(28, 35, 44, 0.28);
}

@media (prefers-reduced-motion: reduce) {
  :root {
    --dur-fast: 0ms;
    --dur-med: 0ms;
    --dur-slow: 0ms;
  }
}


/* ==== base.css ==== */
/* ==========================================================================
   Base / reset
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

html, body { margin: 0; padding: 0; }

body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: var(--lh-body);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: inherit; text-decoration: none; }

ul, ol { padding: 0; margin: 0; list-style: none; }

button { font: inherit; color: inherit; background: none; border: 0; cursor: pointer; }

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

h1, h2, h3, h4, h5 {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 600;
  line-height: var(--lh-tight);
  color: var(--ink);
  letter-spacing: -0.01em;
}

p { margin: 0; }

/* Visible keyboard focus everywhere — never remove without replacing */
:focus-visible {
  outline: 2.5px solid var(--focus-ring);
  outline-offset: 3px;
  border-radius: 3px;
}
a:focus-visible, button:focus-visible { outline-offset: 4px; }

::selection { background: var(--gold-soft); color: var(--ink); }

/* ---- Typography utility classes ---- */
h1, .h1 { font-size: var(--fs-h1); line-height: var(--lh-tight); }
h2, .h2 { font-size: var(--fs-h2); line-height: 1.14; }
h3, .h3 { font-size: var(--fs-h3); line-height: var(--lh-snug); }
h4, .h4 { font-size: var(--fs-h4); line-height: var(--lh-snug); }

.lead { font-size: var(--fs-lead); line-height: 1.5; color: var(--ink-soft); }
.small { font-size: var(--fs-small); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55em;
  font-family: var(--font-body);
  font-size: var(--fs-eyebrow);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.eyebrow::before {
  content: "";
  width: 1.5em;
  height: 1.5px;
  background: currentColor;
  opacity: 0.7;
}

.font-display { font-family: var(--font-display); }
.font-mono { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

.text-ink-soft { color: var(--ink-soft); }
.text-gold { color: var(--gold-deep); }

/* ---- Layout helpers ---- */
.wrap {
  width: 100%;
  max-width: var(--content-width);
  margin-inline: auto;
  padding-inline: var(--content-pad);
}

.section { padding-block: var(--space-2xl); }
.section--tight { padding-block: var(--space-xl); }
.section--navy { background: var(--navy-deep); color: var(--paper); }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section--dim { background: var(--paper-dim); }

.grid { display: grid; gap: var(--space-md); }

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

.skip-link {
  position: absolute;
  left: var(--space-sm);
  top: -3rem;
  background: var(--ink);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  z-index: 200;
  transition: top var(--dur-fast) var(--ease-out);
}
.skip-link:focus { top: var(--space-sm); }


/* ==== components.css ==== */
/* ==========================================================================
   Components
   ========================================================================== */

/* ---------------------------------- Buttons ---------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6em;
  padding: 0.95rem 1.7rem;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  letter-spacing: 0.01em;
  white-space: nowrap;
  transition: transform var(--dur-fast) var(--ease-out),
              background-color var(--dur-fast) var(--ease-out),
              border-color var(--dur-fast) var(--ease-out),
              color var(--dur-fast) var(--ease-out);
  border: 1.5px solid transparent;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn--primary { background: var(--gold); color: var(--white); }
.btn--primary:hover { background: var(--gold-deep); }

.btn--dark { background: var(--ink); color: var(--paper); }
.btn--dark:hover { background: #0f151b; }

.btn--outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: var(--paper); }

.btn--on-navy { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn--on-navy:hover { background: var(--white); color: var(--navy-deep); border-color: var(--white); }

.btn--sm { padding: 0.65rem 1.25rem; font-size: 0.88rem; }
.btn--block { width: 100%; }

/* ---------------------------------- Site header ---------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(248, 246, 241, 0.92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--paper-line);
}
.header-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  padding-block: 0.85rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  flex-shrink: 0;
}
.brand img { height: 42px; width: auto; }
.brand__text { display: flex; flex-direction: column; line-height: 1.15; }
.brand__name { font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; color: var(--ink); }
.brand__sub { font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-faint); }

.nav { display: flex; align-items: center; gap: var(--space-md); }
.nav__list { display: flex; align-items: center; gap: 1.9rem; }
.nav__item { position: relative; }
.nav__link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--ink-soft);
  padding: 0.5rem 0.1rem;
  position: relative;
}
.nav__link::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--dur-fast) var(--ease-out);
}
.nav__link:hover, .nav__item--active .nav__link { color: var(--ink); }
.nav__link:hover::after, .nav__item--active .nav__link::after { transform: scaleX(1); }

.nav__item--has-dropdown:hover .nav__dropdown,
.nav__item--has-dropdown:focus-within .nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav__dropdown {
  position: absolute;
  top: 100%;
  left: -1rem;
  min-width: 240px;
  background: var(--white);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lifted);
  padding: 0.6rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--dur-fast) var(--ease-out), transform var(--dur-fast) var(--ease-out);
}
.nav__dropdown a {
  display: block;
  padding: 0.6rem 0.75rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink-soft);
}
.nav__dropdown a:hover { background: var(--gold-faint); color: var(--ink); }

.header-cta { display: flex; align-items: center; gap: 1.1rem; flex-shrink: 0; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--ink);
}
.header-phone svg { width: 17px; height: 17px; color: var(--gold); }

.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  align-items: center; justify-content: center;
  border-radius: var(--radius-sm);
}
.nav-toggle svg { width: 22px; height: 22px; }

/* ---------------------------------- Signature arc motif ---------------------------------- */
.arc-motif { color: var(--gold); }
.arc-motif path {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
}
.arc-motif.is-animated path {
  stroke-dasharray: 340;
  stroke-dashoffset: 340;
  animation: draw-arc 1.6s var(--ease-out) forwards;
  animation-delay: 0.2s;
}
@keyframes draw-arc {
  to { stroke-dashoffset: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .arc-motif.is-animated path { animation: none; stroke-dashoffset: 0; }
}

.divider-arc {
  display: flex;
  justify-content: center;
  padding-block: var(--space-md);
  color: var(--paper-line);
}
.divider-arc svg { width: 120px; height: 24px; }
.divider-arc svg path {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
}
.section--navy .divider-arc { color: rgba(255,255,255,0.18); }

/* ---------------------------------- Hero ---------------------------------- */
.hero {
  position: relative;
  padding-block: clamp(2.5rem, 6vw, var(--space-2xl));
  overflow: hidden;
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.hero__eyebrow { margin-bottom: var(--space-sm); }
.hero__title { margin-bottom: var(--space-sm); max-width: 15ch; }
.hero__lede { max-width: 46ch; margin-bottom: var(--space-md); }
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-bottom: var(--space-lg); }

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid var(--paper-line);
}
.trust-strip__item { display: flex; flex-direction: column; gap: 0.15rem; }
.trust-strip__value { font-family: var(--font-display); font-size: 1.35rem; font-weight: 600; color: var(--ink); }
.trust-strip__label { font-size: 0.78rem; color: var(--ink-faint); letter-spacing: 0.02em; }

.hero__art { position: relative; }
.hero__art-arc {
  position: absolute;
  inset: -8% -12%;
  z-index: 0;
  pointer-events: none;
}
.hero__photo {
  position: relative;
  z-index: 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lifted);
  aspect-ratio: 4 / 5;
}
.hero__photo img { width: 100%; height: 100%; object-fit: cover; }

.hero__note {
  position: absolute;
  z-index: 2;
  left: -8%;
  bottom: -8%;
  width: min(230px, 62%);
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.2rem 1.3rem;
  box-shadow: var(--shadow-lifted);
  transform: rotate(-3deg);
}
.hero__note .signature { font-family: "Caveat", cursive; font-size: 1.9rem; line-height: 1; color: var(--ink); margin-bottom: 0.3rem; }
.hero__note p { font-size: 0.82rem; color: var(--ink-soft); line-height: 1.4; }

/* ---------------------------------- Service area strip ---------------------------------- */
.service-strip {
  background: var(--gold-faint);
  border-block: 1px solid var(--line);
}
.service-strip__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding-block: 0.9rem;
  text-align: center;
}
.service-strip__inner svg { width: 18px; height: 18px; color: var(--gold-deep); flex-shrink: 0; }
.service-strip__inner p { font-size: 0.9rem; color: var(--ink-soft); margin: 0; }
.service-strip__inner strong { color: var(--ink); font-weight: 700; }
@media (max-width: 640px) {
  .service-strip__inner { flex-direction: column; gap: 0.35rem; text-align: center; }
}

/* ---------------------------------- Path cards (Purchase / Refinance) ---------------------------------- */
.path-grid { grid-template-columns: repeat(2, 1fr); }
.path-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-height: 320px;
  display: flex;
  align-items: flex-end;
  padding: var(--space-md);
  color: var(--white);
  isolation: isolate;
}
.path-card img {
  position: absolute; inset: 0; z-index: -2;
  width: 100%; height: 100%; object-fit: cover;
}
.path-card::before {
  content: "";
  position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(20,41,67,0.15) 0%, rgba(15,21,27,0.86) 100%);
}
.path-card__body { position: relative; }
.path-card__eyebrow { color: var(--gold-soft); }
.path-card h3 { color: var(--white); margin-block: 0.4rem 0.6rem; }
.path-card p { color: rgba(255,255,255,0.82); max-width: 34ch; margin-bottom: 1.1rem; }

/* ---------------------------------- Loan program cards ---------------------------------- */
.program-grid { grid-template-columns: repeat(4, 1fr); }
.program-card {
  background: var(--white);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius-md);
  padding: var(--space-sm);
  transition: border-color var(--dur-fast) var(--ease-out), transform var(--dur-fast) var(--ease-out), box-shadow var(--dur-fast) var(--ease-out);
}
.program-card:hover { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--shadow-card); }
.program-card__icon {
  width: 44px; height: 44px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--gold-faint);
  color: var(--gold-deep);
  margin-bottom: var(--space-sm);
}
.program-card__icon svg { width: 22px; height: 22px; }
.program-card h4 { margin-bottom: 0.35rem; }
.program-card p { font-size: 0.9rem; color: var(--ink-soft); margin-bottom: 0.75rem; }
.program-card__link { font-size: 0.85rem; font-weight: 700; color: var(--gold-deep); display: inline-flex; align-items: center; gap: 0.3rem; }
.program-card__link svg { width: 14px; height: 14px; transition: transform var(--dur-fast) var(--ease-out); }
.program-card:hover .program-card__link svg { transform: translateX(3px); }

/* ---------------------------------- Reasons list ---------------------------------- */
.reasons { grid-template-columns: repeat(2, 1fr); gap: var(--space-lg) var(--space-md); }
.reason { display: flex; gap: 1rem; }
.reason__mark { flex-shrink: 0; width: 30px; height: 30px; color: var(--gold); }
.reason h4 { margin-bottom: 0.35rem; }
.reason p { color: var(--ink-soft); font-size: 0.95rem; }

/* ---------------------------------- Testimonials ---------------------------------- */
.quote-grid { grid-template-columns: repeat(3, 1fr); }
.quote-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  border: 1px solid var(--paper-line);
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}
.quote-card__stars { display: flex; gap: 0.2rem; color: var(--gold); }
.quote-card__stars svg { width: 15px; height: 15px; }
.quote-card p { color: var(--ink); font-size: 0.98rem; line-height: 1.55; flex-grow: 1; }
.quote-card__meta { display: flex; align-items: baseline; justify-content: space-between; font-size: 0.82rem; color: var(--ink-faint); border-top: 1px solid var(--paper-line); padding-top: 0.8rem; }
.quote-card__meta strong { color: var(--ink-soft); font-weight: 700; }

/* ---------------------------------- About preview ---------------------------------- */
.about-preview { grid-template-columns: 0.85fr 1.15fr; align-items: center; }
.about-preview__photo { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 3/4; box-shadow: var(--shadow-card); }
.about-preview__photo img { width: 100%; height: 100%; object-fit: cover; }

/* ---------------------------------- CTA band ---------------------------------- */
.cta-band {
  background: var(--navy-deep);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(2.2rem, 5vw, var(--space-xl));
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.cta-band h2 { color: var(--white); max-width: 16ch; margin-bottom: 0.6rem; }
.cta-band p { color: rgba(255,255,255,0.75); max-width: 40ch; }
.cta-band__actions { display: flex; gap: 0.9rem; flex-wrap: wrap; }

/* ---------------------------------- Footer ---------------------------------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.72); }
.footer-top { padding-block: var(--space-xl); display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: var(--space-md); }
.footer-brand__top { display: flex; align-items: center; gap: 0.65rem; margin-bottom: 1.1rem; }
.footer-brand__name { display: block; font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--white); line-height: 1.2; }
.footer-brand__sub { display: block; font-size: 0.66rem; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.footer-brand p { font-size: 0.92rem; line-height: 1.6; max-width: 32ch; color: rgba(255,255,255,0.6); }
.footer-col h5 { color: var(--white); font-family: var(--font-body); font-size: 0.82rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.65rem; }
.footer-col a { font-size: 0.92rem; }
.footer-col a:hover { color: var(--white); }
.footer-contact li { display: flex; gap: 0.55rem; align-items: flex-start; font-size: 0.92rem; }
.footer-contact svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 0.2rem; color: var(--gold-soft); }

.footer-compliance {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-block: var(--space-md);
  font-size: 0.8rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.5);
  display: flex;
  gap: var(--space-md);
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
}
.footer-compliance__text { max-width: 74ch; }
.footer-compliance__badges { display: flex; gap: 0.9rem; align-items: center; flex-shrink: 0; }
.footer-compliance__badges svg { height: 34px; width: auto; color: rgba(255,255,255,0.55); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-block: 1.1rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  display: flex;
  justify-content: space-between;
  gap: var(--space-sm);
  flex-wrap: wrap;
}
.footer-bottom a { text-decoration: underline; text-underline-offset: 2px; }

/* ---------------------------------- Forms ---------------------------------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, var(--space-lg));
  box-shadow: var(--shadow-card);
}
.field { margin-bottom: var(--space-sm); }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--ink-soft);
  margin-bottom: 0.4rem;
}
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="number"],
.field select,
.field textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--paper-line);
  border-radius: var(--radius-sm);
  background: var(--paper);
  font-size: 1rem;
  color: var(--ink);
  transition: border-color var(--dur-fast) var(--ease-out);
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--navy);
  outline: none;
}
.field textarea { resize: vertical; min-height: 110px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-sm); }
.field-hint { font-size: 0.78rem; color: var(--ink-faint); margin-top: 0.35rem; }

.radio-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.7rem; }
.radio-card {
  display: flex; align-items: center; gap: 0.6rem;
  border: 1.5px solid var(--paper-line);
  border-radius: var(--radius-sm);
  padding: 0.75rem 0.9rem;
  cursor: pointer;
  font-size: 0.92rem;
  font-weight: 600;
  transition: border-color var(--dur-fast) var(--ease-out), background var(--dur-fast) var(--ease-out);
}
.radio-card input { accent-color: var(--navy); width: 16px; height: 16px; }
.radio-card:has(input:checked) { border-color: var(--navy); background: var(--gold-faint); }

.form-status {
  border-radius: var(--radius-sm);
  padding: 0.9rem 1.1rem;
  font-size: 0.92rem;
  margin-top: var(--space-sm);
  display: none;
}
.form-status.is-success { display: block; background: #eaf1ec; color: var(--success); }
.form-status.is-error { display: block; background: #f7e9e7; color: var(--error); }

.consent-text { font-size: 0.76rem; color: var(--ink-faint); line-height: 1.5; margin-top: var(--space-xs); }

/* ---------------------------------- Page hero (interior pages) ---------------------------------- */
.page-hero { padding-block: clamp(2.5rem, 5vw, var(--space-xl)) var(--space-lg); }
.page-hero__grid { grid-template-columns: 1.2fr 0.8fr; align-items: start; gap: var(--space-lg); }
.breadcrumbs { display: flex; gap: 0.5rem; font-size: 0.82rem; color: var(--ink-faint); margin-bottom: var(--space-sm); }
.breadcrumbs a:hover { color: var(--ink); }

.content-block { max-width: 72ch; }
.content-block h2 { margin-top: var(--space-lg); margin-bottom: 0.9rem; }
.content-block h2:first-child { margin-top: 0; }
.content-block h3 { margin-top: var(--space-md); margin-bottom: 0.6rem; }
.content-block p { margin-bottom: 1.1rem; color: var(--ink-soft); }
.content-block ul, .content-block ol { margin-bottom: 1.1rem; }
.content-block li { position: relative; padding-left: 1.4rem; margin-bottom: 0.55rem; color: var(--ink-soft); }
.content-block ul li::before {
  content: "";
  position: absolute; left: 0; top: 0.6em;
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold);
}
.content-block ol { counter-reset: item; }
.content-block ol li { counter-increment: item; }
.content-block ol li::before {
  content: counter(item) ".";
  position: absolute; left: 0; top: 0;
  font-weight: 700; color: var(--gold-deep);
}
.content-block strong { color: var(--ink); }
.content-block a:not(.btn) { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }

.sidebar-card { position: sticky; top: 100px; }

.fact-list { display: flex; flex-direction: column; gap: 0.9rem; }
.fact-list li { display: flex; justify-content: space-between; gap: 1rem; padding-block: 0.7rem; border-bottom: 1px solid var(--paper-line); font-size: 0.92rem; }
.fact-list li span:first-child { color: var(--ink-faint); }
.fact-list li span:last-child { font-weight: 700; color: var(--ink); text-align: right; }

/* ---------------------------------- FAQ accordion ---------------------------------- */
.accordion-item { border-bottom: 1px solid var(--paper-line); }
.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-block: 1.35rem;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
}
.accordion-trigger svg { flex-shrink: 0; width: 20px; height: 20px; color: var(--gold-deep); transition: transform var(--dur-fast) var(--ease-out); }
.accordion-item.is-open .accordion-trigger svg { transform: rotate(45deg); }
.accordion-panel {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--dur-med) var(--ease-out);
}
.accordion-panel__inner { padding-bottom: 1.35rem; color: var(--ink-soft); max-width: 68ch; }

/* ---------------------------------- Calculators ---------------------------------- */
.calc-shell { grid-template-columns: 1fr 1fr; align-items: start; }
.calc-result {
  background: var(--navy-deep);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
}
.calc-result__label { font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.calc-result__value { font-family: var(--font-mono); font-size: clamp(2.1rem, 4vw, 2.9rem); font-weight: 500; margin-block: 0.3rem 1.4rem; }
.calc-result__breakdown { display: flex; flex-direction: column; gap: 0.6rem; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 1.1rem; }
.calc-result__row { display: flex; justify-content: space-between; font-size: 0.92rem; font-family: var(--font-mono); }
.calc-result__row span:first-child { font-family: var(--font-body); color: rgba(255,255,255,0.6); }
.calc-result__row[hidden] { display: none; }

.calc-extras-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px dashed var(--paper-line);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.9rem;
  transition: border-color var(--dur-fast) var(--ease-out), background var(--dur-fast) var(--ease-out);
}
.calc-extras-toggle:hover { background: var(--gold-faint); border-color: var(--gold); }
.calc-extras-toggle svg { transition: transform var(--dur-fast) var(--ease-out); flex-shrink: 0; }
.calc-extras-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }

.calc-extras {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--dur-med) var(--ease-out);
}
.calc-extras.is-open { max-height: 420px; }
.calc-extras > .field-row,
.calc-extras > .radio-card { margin-top: 0.2rem; }

.amort-table-wrap { overflow-x: auto; margin-top: var(--space-md); border: 1px solid var(--paper-line); border-radius: var(--radius-md); }
table.amort-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
table.amort-table th, table.amort-table td { padding: 0.7rem 0.9rem; text-align: right; font-family: var(--font-mono); white-space: nowrap; }
table.amort-table th:first-child, table.amort-table td:first-child { text-align: left; font-family: var(--font-body); }
table.amort-table thead th { background: var(--paper-dim); font-family: var(--font-body); font-weight: 700; text-align: right; }
table.amort-table thead th:first-child { text-align: left; }
table.amort-table tbody tr:nth-child(even) { background: var(--paper-dim); }

/* ---------------------------------- Misc ---------------------------------- */
.tag {
  display: inline-flex;
  align-items: center;
  padding: 0.3rem 0.7rem;
  border-radius: 999px;
  background: var(--gold-faint);
  color: var(--gold-deep);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.03em;
}

.two-col { grid-template-columns: 1fr 1fr; }
.three-col { grid-template-columns: repeat(3, 1fr); }

.center { text-align: center; margin-inline: auto; }
.section-head { max-width: 640px; margin-bottom: var(--space-lg); }
.section-head.center { max-width: 640px; }


/* ==== responsive.css ==== */
/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 1080px) {
  .program-grid { grid-template-columns: repeat(3, 1fr); }
  .quote-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 960px) {
  .nav__list, .header-cta .btn { display: none; }
  .header-phone { display: none; }
  .nav-toggle { display: inline-flex; }

  .hero__grid, .about-preview, .calc-shell, .page-hero__grid { grid-template-columns: 1fr; }
  .hero__art { order: -1; max-width: 420px; margin-inline: auto; }
  .hero__title, .hero__lede { max-width: none; }

  .path-grid, .reasons, .two-col, .three-col, .footer-top { grid-template-columns: 1fr; }
  .program-grid { grid-template-columns: repeat(2, 1fr); }
  .quote-grid { grid-template-columns: 1fr; }

  .about-preview__photo { max-width: 380px; margin-inline: auto; }
  .field-row, .radio-grid { grid-template-columns: 1fr; }

  .cta-band { flex-direction: column; align-items: flex-start; text-align: left; }

  .sidebar-card { position: static; }
}

/* ---- Mobile nav drawer ---- */
.nav-drawer {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: var(--paper);
  display: flex;
  flex-direction: column;
  padding: var(--space-md);
  transform: translateX(100%);
  transition: transform var(--dur-med) var(--ease-out);
  overflow-y: auto;
}
.nav-drawer.is-open { transform: translateX(0); }
.nav-drawer__top { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--space-lg); }
.nav-drawer__close { width: 44px; height: 44px; display: flex; align-items: center; justify-content: center; }
.nav-drawer__list { display: flex; flex-direction: column; }
.nav-drawer__item { border-bottom: 1px solid var(--paper-line); }
.nav-drawer__link {
  display: flex; justify-content: space-between; align-items: center;
  padding: 1.1rem 0.2rem;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
}
.nav-drawer__sublist {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--dur-med) var(--ease-out);
  padding-left: 0.2rem;
}
.nav-drawer__item.is-open .nav-drawer__sublist { max-height: 600px; padding-bottom: 0.8rem; }
.nav-drawer__sublist a { display: block; padding: 0.6rem 0; color: var(--ink-soft); font-weight: 500; }
.nav-drawer__cta { margin-top: var(--space-lg); display: flex; flex-direction: column; gap: 0.8rem; }
.nav-drawer__chevron { transition: transform var(--dur-fast) var(--ease-out); }
.nav-drawer__item.is-open .nav-drawer__chevron { transform: rotate(180deg); }

body.nav-open { overflow: hidden; }

@media (min-width: 961px) {
  .nav-drawer, .nav-toggle { display: none; }
}

@media (max-width: 640px) {
  .hero__note { position: static; width: 100%; transform: none; margin-top: var(--space-sm); }
  .hero__art { max-width: none; }
  .footer-compliance, .footer-bottom { flex-direction: column; }
  .path-card { min-height: 260px; }
  h1, .h1 { max-width: none; }
  .cta-band { border-radius: var(--radius-md); }
}