/* ==========================================================================
   Chief Lending — main stylesheet
   Brand: Navy #28235C · Gold #C9972E → #F9F2C8 gradient (from logo)
   ========================================================================== */

:root {
	--navy: #28235C;
	--navy-900: #1A1740;
	--navy-800: #211D4E;
	--navy-600: #3B3580;
	--navy-100: #ECEAF6;
	--gold: #C9972E;
	--gold-600: #A87B1F;
	--gold-400: #E6B83A;
	--gold-200: #F3E3B0;
	--gold-100: #FAF4E1;
	--cream: #FCFAF4;
	--ink: #1E1B3A;
	--text: #3D3A57;
	--muted: #6B6886;
	--line: #E5E2EE;
	--white: #FFFFFF;
	--success: #1E7F4F;
	--danger: #B42318;
	--gold-gradient: linear-gradient(100deg, #B8872A 0%, #E6B83A 28%, #F9F2C8 50%, #E6B83A 72%, #B8872A 100%);
	--gold-btn: linear-gradient(135deg, #D9A93A 0%, #C9972E 50%, #B8872A 100%);
	--radius: 14px;
	--radius-sm: 8px;
	--shadow-sm: 0 1px 2px rgba(26, 23, 64, .06), 0 1px 3px rgba(26, 23, 64, .08);
	--shadow: 0 10px 30px -12px rgba(26, 23, 64, .22);
	--shadow-lg: 0 24px 60px -20px rgba(26, 23, 64, .35);
	--font-head: "Montserrat", system-ui, -apple-system, "Segoe UI", sans-serif;
	--font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
	--container: 1200px;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
	margin: 0;
	font-family: var(--font-body);
	font-size: 16px;
	line-height: 1.65;
	color: var(--text);
	background: var(--white);
	-webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-600); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; }
table { border-collapse: collapse; width: 100%; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold-400); outline-offset: 2px; border-radius: 4px; }
.sr-only, .screen-reader-text { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); border: 0; }
.skip-link { position: absolute; left: -999px; top: 8px; z-index: 1000; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 6px; }
.skip-link:focus { left: 8px; }
[hidden] { display: none !important; }
.center { text-align: center; }
.fine { font-size: .82rem; color: var(--muted); }
.icon { width: 1.25em; height: 1.25em; flex: none; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 820px; }
@media (max-width: 600px) { .container { padding: 0 16px; } }

/* ---------- Buttons ---------- */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: .5em;
	padding: .8em 1.5em; border-radius: 999px; border: 2px solid transparent;
	font-family: var(--font-head); font-weight: 700; font-size: .95rem; line-height: 1.2;
	text-decoration: none; cursor: pointer; transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
	white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:disabled { opacity: .6; cursor: progress; transform: none; }
/* border-box: paint the gradient under the transparent border so it doesn't tile into the pill ends. */
.btn-gold { background: var(--gold-btn) border-box; color: var(--navy-900); box-shadow: 0 6px 18px -6px rgba(201, 151, 46, .7); }
.btn-gold:hover { color: var(--navy-900); box-shadow: 0 10px 24px -8px rgba(201, 151, 46, .85); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-600); color: #fff; }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { border-color: rgba(255, 255, 255, .5); color: #fff; background: transparent; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255, 255, 255, .08); color: #fff; }
.btn-ghost { background: var(--navy-100); color: var(--navy); }
.btn-ghost:hover { background: #dedbf0; color: var(--navy); }
.btn-lg { padding: 1em 1.9em; font-size: 1rem; }
.btn-sm { padding: .55em 1.1em; font-size: .85rem; }
.btn-block { display: flex; width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.btn-row.center { justify-content: center; }
.link-arrow { display: inline-flex; align-items: center; gap: .35em; font-family: var(--font-head); font-weight: 700; font-size: .9rem; color: var(--gold-600); text-decoration: none; }
.link-arrow .icon { width: 1em; height: 1em; transition: transform .2s; }
.link-arrow:hover .icon { transform: translateX(3px); }

.eyebrow { font-family: var(--font-head); font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--gold-600); margin-bottom: .75em; display: inline-flex; align-items: center; gap: 10px; }
.eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 3px; background: var(--gold-gradient); }
.center .eyebrow, .section-head.center .eyebrow { justify-content: center; }
.eyebrow-light { color: var(--gold-400); }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--navy-900); color: rgba(255, 255, 255, .8); font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar a { color: rgba(255, 255, 255, .9); text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--gold-400); }
.topbar .icon { width: 14px; height: 14px; color: var(--gold-400); }
.topbar-links { display: flex; gap: 20px; }
@media (max-width: 760px) { .topbar-note { display: none; } .topbar-inner { justify-content: center; } .topbar-links a:last-child { display: none; } }

.site-header { position: sticky; top: 0; z-index: 100; background: #fff; border-bottom: 1px solid transparent; transition: box-shadow .2s, border-color .2s; }
.site-header.is-scrolled { box-shadow: 0 6px 20px -12px rgba(26, 23, 64, .25); border-color: var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 84px; }
.site-logo img, .custom-logo { height: 62px; width: auto; }
.custom-logo-link { display: block; }

.primary-nav { display: flex; align-items: center; gap: 12px; }
.primary-nav .menu { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.primary-nav .menu > li { position: relative; }
.primary-nav .menu a { display: block; padding: 10px 9px; white-space: nowrap; font-family: var(--font-head); font-weight: 600; font-size: .88rem; color: var(--ink); text-decoration: none; border-radius: 8px; }
.primary-nav .menu > li > a:hover, .primary-nav .menu > .current-menu-item > a, .primary-nav .menu > .current-menu-ancestor > a, .primary-nav .menu > .current_page_item > a, .primary-nav .menu > .current_page_ancestor > a { color: var(--navy); background: var(--gold-100); }
.primary-nav .sub-menu, .primary-nav .children {
	list-style: none; margin: 0; padding: 8px; position: absolute; top: calc(100% + 6px); left: 0; min-width: 260px;
	background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow-lg);
	opacity: 0; visibility: hidden; transform: translateY(6px); transition: all .18s ease;
}
.primary-nav .sub-menu::before, .primary-nav .children::before { content: ""; position: absolute; top: -8px; left: 0; right: 0; height: 8px; }
.primary-nav li:hover > .sub-menu, .primary-nav li:focus-within > .sub-menu, .primary-nav li:hover > .children, .primary-nav li:focus-within > .children { opacity: 1; visibility: visible; transform: none; }
.primary-nav .sub-menu a, .primary-nav .children a { font-weight: 500; padding: 9px 12px; white-space: normal; }
.primary-nav .sub-menu a:hover, .primary-nav .children a:hover { background: var(--navy-100); color: var(--navy); }
.submenu-toggle { display: none; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; color: var(--navy); cursor: pointer; }
.nav-toggle .icon { width: 30px; height: 30px; }

@media (max-width: 1280px) {
	.nav-toggle { display: block; }
	.site-logo img, .custom-logo { height: 52px; }
	.header-inner { min-height: 72px; }
	.primary-nav {
		position: fixed; inset: 110px 0 0 0; background: #fff; flex-direction: column; align-items: stretch;
		padding: 16px 20px 32px; overflow-y: auto; transform: translateX(100%); transition: transform .25s ease; gap: 16px;
	}
	.primary-nav.is-open { transform: none; }
	.primary-nav .menu { flex-direction: column; align-items: stretch; }
	.primary-nav .menu > li { border-bottom: 1px solid var(--line); display: flex; flex-wrap: wrap; align-items: center; }
	.primary-nav .menu > li > a { flex: 1; padding: 14px 4px; font-size: 1.05rem; background: none !important; }
	.primary-nav .sub-menu, .primary-nav .children { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 10px 12px; width: 100%; display: none; }
	.primary-nav li.is-open > .sub-menu, .primary-nav li.is-open > .children { display: block; }
	.submenu-toggle { display: grid; place-items: center; width: 40px; height: 40px; border: 0; background: var(--navy-100); border-radius: 8px; color: var(--navy); cursor: pointer; }
	.primary-nav li.is-open > .submenu-toggle svg { transform: rotate(180deg); }
	.header-ctas { flex-direction: column; align-items: stretch; }
	.header-ctas .btn { width: 100%; }
	body.nav-open { overflow: hidden; }
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: radial-gradient(1200px 600px at 85% -10%, #3B3580 0%, transparent 60%), linear-gradient(160deg, var(--navy-800) 0%, var(--navy-900) 100%); color: #fff; padding: clamp(56px, 8vw, 96px) 0 clamp(64px, 9vw, 110px); }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 5px; background: var(--gold-gradient); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.hero h1 { color: #fff; margin-bottom: .4em; }
.hero h1 { background: linear-gradient(180deg, #fff 55%, #F3E3B0 100%); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-lead { font-size: 1.15rem; color: rgba(255, 255, 255, .82); max-width: 560px; margin-bottom: 28px; }
.hero-points { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 10px 24px; color: rgba(255, 255, 255, .85); font-size: .95rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; }
.hero-points .icon { color: var(--gold-400); width: 18px; height: 18px; }
.hero-mark { position: absolute; right: -80px; bottom: -120px; width: 520px; opacity: .06; filter: grayscale(1) brightness(3); pointer-events: none; }
/* Gold top strip drawn as a background layer so it follows the rounded corners. */
.hero-card { background: var(--gold-gradient) top / 100% 5px no-repeat, #fff; color: var(--text); border-radius: 20px; padding: 28px; box-shadow: var(--shadow-lg); position: relative; }
@media (max-width: 960px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } .hero-mark { width: 360px; } }

/* ---------- Page hero ---------- */
.page-hero { position: relative; overflow: hidden; background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; padding: 48px 0 56px; }
.page-hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--gold-gradient); }
.page-hero-inner { position: relative; z-index: 1; max-width: 860px; }
.page-hero-inner { margin-left: max(24px, calc((100% - var(--container)) / 2 + 24px)); padding-left: 0; }
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.9rem); margin-bottom: .3em; }
.page-hero .lead { font-size: 1.12rem; color: rgba(255, 255, 255, .82); margin: 0; max-width: 680px; }
.page-hero-mark { position: absolute; right: 4%; top: 50%; transform: translateY(-50%); width: 240px; opacity: .08; filter: grayscale(1) brightness(3); pointer-events: none; }
.breadcrumbs { font-size: .82rem; color: rgba(255, 255, 255, .6); margin-bottom: 14px; display: flex; flex-wrap: wrap; gap: 8px; }
.breadcrumbs a { color: rgba(255, 255, 255, .8); text-decoration: none; }
.breadcrumbs a:hover { color: var(--gold-400); }
@media (max-width: 760px) { .page-hero-mark { display: none; } .page-hero-inner { margin-left: 16px; margin-right: 16px; } }

/* ---------- Sections ---------- */
.section { padding: clamp(56px, 7vw, 88px) 0; }
.section-tint { background: var(--cream); }
.section-navy { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: rgba(255, 255, 255, .85); }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-head { max-width: 720px; margin: 0 auto 44px; }
.section-head p:last-child { color: var(--muted); font-size: 1.05rem; }
.section-navy .section-head p:last-child { color: rgba(255, 255, 255, .75); }
.section-head-row { max-width: none; display: flex; justify-content: space-between; align-items: end; gap: 20px; flex-wrap: wrap; }
.page-sections > .section:first-child { padding-top: clamp(48px, 6vw, 72px); }
.lead-text { font-size: 1.2rem; color: var(--ink); }

/* Trust bar */
.trust-bar { background: #fff; border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { padding: 28px 16px; text-align: center; border-right: 1px solid var(--line); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid strong { display: block; font-family: var(--font-head); font-size: 2rem; font-weight: 800; color: var(--navy); line-height: 1.1; }
.trust-grid span { font-size: .88rem; color: var(--muted); }
@media (max-width: 760px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } .trust-grid > div:nth-child(2) { border-right: 0; } .trust-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }

/* ---------- Cards ---------- */
.card-grid { display: grid; gap: 24px; }
.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid-3 { grid-template-columns: repeat(3, 1fr); }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 1024px) { .card-grid-4 { grid-template-columns: repeat(2, 1fr); } .card-grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .card-grid-2, .card-grid-3, .card-grid-4 { grid-template-columns: 1fr; } }
.card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease, border-color .2s; color: var(--text); text-decoration: none; display: block; }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--muted); font-size: .95rem; }
.card p:last-child { margin-bottom: 0; }
.card-link:hover, .card-tool:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold-200); color: var(--text); }
.card-link .link-arrow { margin-top: 4px; }
.card-icon { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; background: var(--navy-100); color: var(--navy); margin-bottom: 18px; }
.card-icon .icon { width: 26px; height: 26px; }
.card-icon-gold { background: linear-gradient(135deg, var(--gold-100), var(--gold-200)); color: var(--gold-600); }
.card-tool { text-align: left; }
.card-tool-lg { padding: 32px; }
.card-tool-lg .card-icon { width: 60px; height: 60px; }
.section-tint .card { border-color: #EEE8D8; }
.why { text-align: center; padding: 8px 16px; }
.why .card-icon { margin-left: auto; margin-right: auto; }
.why p { color: var(--muted); }

/* Aside cards */
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); }
.aside-card + .aside-card { margin-top: 20px; }
.aside-card-navy { background: linear-gradient(160deg, var(--navy), var(--navy-900)); border: 0; color: rgba(255, 255, 255, .85); position: relative; overflow: hidden; }
.aside-card-navy::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--gold-gradient); }
.aside-card-navy h3 { color: #fff; }
.aside-card-navy a:not(.btn) { color: var(--gold-400); }
.aside-links { list-style: none; padding: 0; margin: 0; }
.aside-links a { display: flex; align-items: center; gap: 10px; padding: 10px 0; border-bottom: 1px solid var(--line); text-decoration: none; font-weight: 500; }
.aside-links .icon { color: var(--gold-600); }
.facts { margin: 0; display: grid; gap: 0; }
.facts > div { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.facts dt { color: rgba(255, 255, 255, .75); }
.facts dd { margin: 0; font-family: var(--font-head); font-weight: 800; color: var(--gold-400); }

/* Checklist */
.checklist { list-style: none; padding: 0; margin: 0 0 1.2em; }
.checklist li { position: relative; padding: 6px 0 6px 32px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 9px; width: 20px; height: 20px; border-radius: 50%; background: var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A87B1F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat; }
.checklist-light li::before, .aside-card-navy .checklist li::before { background-color: rgba(230, 184, 58, .18); }

/* Split layout */
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.split-top { align-items: start; }
.split-copy > :last-child { margin-bottom: 0; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 36px; } }

/* Rule tables */
.rule-table { margin: 18px 0 24px; border-radius: 12px; overflow: hidden; border: 1px solid var(--line); background: #fff; font-size: .95rem; }
.rule-table caption { text-align: left; font-family: var(--font-head); font-weight: 700; color: var(--ink); padding-bottom: 8px; }
.rule-table th { background: var(--navy); color: #fff; font-family: var(--font-head); font-weight: 600; text-align: left; padding: 12px 16px; font-size: .88rem; }
.rule-table td { padding: 12px 16px; border-top: 1px solid var(--line); }
.rule-table tbody tr:nth-child(even) td { background: #FAF9FD; }

/* Cost stack (home) */
.cost-stack { background: var(--gold-gradient) top / 100% 5px no-repeat border-box, #fff; border-radius: 18px; box-shadow: var(--shadow-lg); padding: 14px 26px 10px; border: 1px solid var(--line); border-top: 0; position: relative; }
.cost-row { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 14px 0; border-bottom: 1px dashed var(--line); font-size: .95rem; }
.cost-row b { font-family: var(--font-head); color: var(--ink); white-space: nowrap; text-align: right; }
.cost-total { border-bottom: 0; font-size: 1.05rem; }
.cost-total span { font-weight: 700; color: var(--ink); }
.cost-total b { color: var(--gold-600); font-size: 1.3rem; }
.split-visual .fine { margin-top: 12px; text-align: center; }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0 0 40px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: s; }
.steps li { background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--radius); padding: 28px 24px; }
.steps p { margin: 0; font-size: .95rem; color: rgba(255, 255, 255, .72); }
.step-num { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--gold-btn); color: var(--navy-900); font-family: var(--font-head); font-weight: 800; margin-bottom: 16px; }
@media (max-width: 960px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }

/* Timeline */
.timeline { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: t; }
.timeline li { counter-increment: t; background: #fff; border: 1px solid #EEE8D8; border-radius: var(--radius); padding: 26px 24px 24px; position: relative; }
.timeline li::before { content: counter(t, decimal-leading-zero); font-family: var(--font-head); font-weight: 800; font-size: 1.8rem; background: var(--gold-gradient); -webkit-background-clip: text; background-clip: text; color: transparent; display: block; margin-bottom: 6px; }
.timeline p { margin: 0; color: var(--muted); font-size: .95rem; }
@media (max-width: 900px) { .timeline { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .timeline { grid-template-columns: 1fr; } }
.mini-timeline { list-style: none; padding: 0; margin: 0; }
.mini-timeline li { padding: 10px 0 10px 22px; border-left: 2px solid var(--gold-200); position: relative; }
.mini-timeline li::before { content: ""; position: absolute; left: -7px; top: 16px; width: 12px; height: 12px; border-radius: 50%; background: var(--gold); }
.mini-timeline b { display: block; font-family: var(--font-head); color: var(--navy); }

/* Reviews */
.review { margin: 0; background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid #EEE8D8; display: flex; flex-direction: column; }
.stars { display: flex; gap: 3px; color: var(--gold); margin-bottom: 14px; }
.stars .icon { width: 18px; height: 18px; fill: currentColor; }
.review blockquote { margin: 0 0 20px; font-size: 1.02rem; color: var(--ink); flex: 1; }
.review figcaption strong { display: block; font-family: var(--font-head); color: var(--navy); }
.review figcaption span { font-size: .85rem; color: var(--muted); }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; overflow: hidden; }
.faq summary { cursor: pointer; list-style: none; padding: 18px 56px 18px 22px; font-family: var(--font-head); font-weight: 700; color: var(--ink); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold-600); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 22px 18px; margin: 0; color: var(--muted); }

.callout { background: var(--gold-100); border-left: 4px solid var(--gold); border-radius: 0 10px 10px 0; padding: 16px 20px; margin: 20px 0; color: var(--ink); }

/* CTA band */
.cta-band { background: var(--gold-100); border-top: 1px solid #EEE3C2; }
.cta-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; padding: 48px 24px; flex-wrap: wrap; }
.cta-band h2 { margin-bottom: .2em; font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
.cta-band p { margin: 0; color: var(--muted); }
.cta-band-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.cta-band .btn-outline-light { border-color: var(--navy); color: var(--navy); }
.cta-band .btn-outline-light:hover { background: var(--navy); color: #fff; }

/* ---------- Footer ---------- */
.site-footer { background: #fff; border-top: 1px solid var(--line); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 40px; padding-top: 64px; padding-bottom: 48px; }
.footer-brand .site-logo img { height: 84px; }
.footer-brand p { margin-top: 16px; color: var(--muted); font-size: .95rem; max-width: 300px; }
.site-footer h3 { font-size: .8rem; text-transform: uppercase; letter-spacing: .12em; color: var(--gold-600); margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; font-size: .95rem; }
.site-footer a { text-decoration: none; color: var(--text); }
.site-footer a:hover { color: var(--gold-600); }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .icon { color: var(--gold-600); margin-top: 3px; width: 18px; height: 18px; }
.social { display: flex; gap: 14px; flex-wrap: wrap; font-size: .88rem; font-weight: 600; }
.footer-legal { background: var(--navy-900); color: rgba(255, 255, 255, .65); font-size: .82rem; padding: 24px 0; }
.footer-legal p { margin: 0 0 8px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 12px; margin-top: 12px; border-top: 1px solid rgba(255, 255, 255, .1); }
.footer-menu { display: flex; gap: 18px; list-style: none; padding: 0; margin: 0; }
.footer-legal a { color: rgba(255, 255, 255, .85); text-decoration: none; }
.footer-legal a:hover { color: var(--gold-400); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Entry content ---------- */
.entry-content > *:first-child { margin-top: 0; }
.entry-content h2 { margin-top: 1.4em; }
.entry-content h3 { margin-top: 1.3em; }
.split-copy.entry-content h2:first-of-type, .split-copy .eyebrow + h2 { margin-top: 0; }
.entry-content table:not(.rule-table) { margin: 1em 0 1.5em; border: 1px solid var(--line); }
.entry-content table:not(.rule-table) th, .entry-content table:not(.rule-table) td { padding: 10px 14px; border-bottom: 1px solid var(--line); text-align: left; }
.entry-content table:not(.rule-table) th { background: var(--navy); color: #fff; }
.entry-content li { margin-bottom: .4em; }
.entry-content blockquote { border-left: 4px solid var(--gold); margin: 1.5em 0; padding: .5em 1.25em; color: var(--ink); font-size: 1.1rem; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 56px; align-items: start; }
.article-layout article { font-size: 1.05rem; }
.article-aside { position: sticky; top: 110px; }
.article-thumb { margin: 0 0 28px; border-radius: var(--radius); overflow: hidden; }
@media (max-width: 960px) { .article-layout { grid-template-columns: 1fr; } .article-aside { position: static; } }

/* Posts */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 960px) { .post-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .post-grid { grid-template-columns: 1fr; } }
.post-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s; }
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.post-card-media { display: block; aspect-ratio: 16 / 9; background: linear-gradient(135deg, var(--navy), var(--navy-600)); overflow: hidden; }
.post-card-media img { width: 100%; height: 100%; object-fit: cover; }
.post-card-placeholder { display: grid; place-items: center; height: 100%; color: var(--gold-400); background: radial-gradient(circle at 30% 20%, rgba(230, 184, 58, .25), transparent 55%); }
.post-card-placeholder .icon { width: 48px; height: 48px; opacity: .9; }
.post-card-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-card-cat { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--gold-600); margin-bottom: 8px; }
.post-card h3 { font-size: 1.12rem; }
.post-card h3 a { color: var(--ink); text-decoration: none; }
.post-card h3 a:hover { color: var(--navy-600); }
.post-card p { color: var(--muted); font-size: .93rem; flex: 1; }
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.chip { padding: 8px 16px; border-radius: 999px; border: 1px solid var(--line); text-decoration: none; font-weight: 600; font-size: .88rem; color: var(--text); background: #fff; }
.chip:hover { border-color: var(--navy); color: var(--navy); }
.chip.is-active { background: var(--navy); color: #fff; border-color: var(--navy); }
.pagination { margin-top: 40px; }
.pagination .nav-links { display: flex; gap: 8px; justify-content: center; }
.pagination .page-numbers { padding: 8px 14px; border-radius: 8px; border: 1px solid var(--line); text-decoration: none; }
.pagination .current { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ==========================================================================
   Forms & calculators
   ========================================================================== */
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; min-width: 0; }
.field-label { font-size: .85rem; font-weight: 600; color: var(--ink); }
.field-help { font-size: .78rem; color: var(--muted); }
.field input, .field select, .field textarea {
	width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
	transition: border-color .15s, box-shadow .15s; min-height: 48px;
}
.field select { appearance: none; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2328235C' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right 12px center/16px no-repeat; padding-right: 38px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(40, 35, 92, .1); }
.field textarea { min-height: 110px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; } }
.affix { position: relative; display: flex; align-items: stretch; }
.affix > span { position: absolute; top: 0; bottom: 0; display: grid; place-items: center; width: 38px; color: var(--muted); font-weight: 600; pointer-events: none; }
.affix-pre > span { left: 0; }
.affix-pre input { padding-left: 32px; }
.affix-post > span { right: 0; }
.affix-post input { padding-right: 36px; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--danger); }
.field-error { color: var(--danger); font-size: .8rem; font-weight: 600; }
.check { display: flex; gap: 12px; align-items: flex-start; margin: 10px 0; font-size: .93rem; cursor: pointer; flex-wrap: wrap; }
.check > span { flex: 1; }
.check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--navy); flex: none; }
.check .field-error { flex-basis: 100%; margin-left: 32px; }
.check.has-error > span { color: var(--danger); }
.toggle { display: flex; align-items: center; gap: 12px; margin: 10px 0; cursor: pointer; font-size: .93rem; }
.toggle input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.toggle-ui { position: relative; width: 44px; height: 24px; border-radius: 999px; background: #D5D2E2; flex: none; transition: background .2s; }
.toggle-ui::after { content: ""; position: absolute; top: 3px; left: 3px; width: 18px; height: 18px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0, 0, 0, .25); transition: transform .2s; }
.toggle input:checked + .toggle-ui { background: var(--navy); }
.toggle input:checked + .toggle-ui::after { transform: translateX(20px); }
.toggle input:focus-visible + .toggle-ui { outline: 3px solid var(--gold-400); outline-offset: 2px; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.form-status { margin-top: 14px; font-weight: 600; }
.form-status.is-success { color: var(--success); }
.form-status.is-error { color: var(--danger); }

/* Calculator layout */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 28px; align-items: start; }
.calc-panel { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px; box-shadow: var(--shadow-sm); }
.calc-panel-title { font-size: 1rem; text-transform: uppercase; letter-spacing: .1em; color: var(--navy); margin: 8px 0 18px; padding-bottom: 10px; border-bottom: 2px solid var(--gold-100); }
.calc-panel-title:not(:first-child) { margin-top: 24px; }
.calc-results { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 0 0 24px; box-shadow: var(--shadow); overflow: hidden; position: sticky; top: 110px; }
.calc-results > *:not(.result-hero) { margin-left: 28px; margin-right: 28px; }
.result-hero { background: linear-gradient(160deg, var(--navy), var(--navy-900)); color: #fff; padding: 28px; text-align: center; position: relative; margin-bottom: 20px; }
.result-hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--gold-gradient); }
.result-hero span { display: block; font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255, 255, 255, .7); font-weight: 600; }
.result-hero strong { display: block; font-family: var(--font-head); font-size: clamp(2.2rem, 5vw, 3rem); font-weight: 800; color: var(--gold-400); line-height: 1.15; margin: 6px 0; }
.result-hero small { display: block; color: rgba(255, 255, 255, .8); font-size: .88rem; min-height: 1.2em; }
.result-list { list-style: none; padding: 0; margin-top: 0; margin-bottom: 16px; }
.result-list li { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid var(--line); font-size: .94rem; }
.result-list b { font-family: var(--font-head); color: var(--ink); text-align: right; }
.results-sub { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--gold-600); margin: 18px 0 4px; }
.calc-disclaimer { font-size: .76rem; color: var(--muted); margin-top: 16px; margin-bottom: 0; }
.calc-more { border: 1px dashed var(--line); border-radius: 12px; padding: 0 16px; margin-top: 12px; }
.calc-more summary { cursor: pointer; padding: 14px 0; font-weight: 700; font-family: var(--font-head); color: var(--navy); font-size: .92rem; }
.calc-more[open] { padding-bottom: 6px; }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.calc-table { font-size: .9rem; margin-bottom: 12px; }
.calc-table th, .calc-table td { padding: 10px 8px; border-bottom: 1px solid var(--line); text-align: right; white-space: nowrap; }
.calc-table th:first-child, .calc-table td:first-child { text-align: left; }
.calc-table thead th { font-family: var(--font-head); font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
.calc-table tbody th { font-weight: 500; color: var(--text); }
.calc-table .row-strong th, .calc-table .row-strong td { font-weight: 700; color: var(--ink); border-bottom: 0; }
.calc-table-compact th, .calc-table-compact td { padding: 8px 6px; font-size: .84rem; }
.savings { background: #E9F6EF; color: var(--success); border-radius: 10px; padding: 12px 16px; font-weight: 600; }
.chart-box { position: relative; height: 260px; margin-top: 8px; margin-bottom: 8px; }
.schedule summary { cursor: pointer; font-weight: 700; font-family: var(--font-head); color: var(--navy); padding: 12px 0; }
.schedule .table-wrap { max-height: 360px; overflow-y: auto; }
.notice { background: var(--gold-100); border-radius: 10px; padding: 12px 16px; font-size: .88rem; color: var(--ink); margin-bottom: 16px; }
.notice p { margin: 0 0 6px; }
.notice p:last-child { margin: 0; }
.min-down { font-size: .88rem; background: var(--navy-100); padding: 10px 14px; border-radius: 10px; margin: -4px 0 12px; }
.min-down.is-error { background: #FDECEA; color: var(--danger); }
@media (max-width: 960px) { .calc { grid-template-columns: 1fr; } .calc-results { position: static; } }
@media (max-width: 480px) { .calc-panel { padding: 20px; } .calc-results > *:not(.result-hero) { margin-left: 18px; margin-right: 18px; } }

/* Ratios */
.ratio-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.ratio-head { display: flex; justify-content: space-between; font-size: .88rem; font-weight: 600; margin-bottom: 6px; }
.ratio-head b { font-family: var(--font-head); color: var(--ink); }
.ratio small { color: var(--muted); font-size: .75rem; }
.meter { position: relative; height: 10px; border-radius: 999px; background: var(--navy-100); overflow: visible; margin-bottom: 6px; }
.meter span { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--navy-600), var(--navy)); width: 0; transition: width .3s ease; }
.meter span.is-over { background: var(--danger); }
.meter i { position: absolute; top: -3px; width: 2px; height: 16px; background: var(--gold); transform: translateX(-1px); }
@media (max-width: 480px) { .ratio-grid { grid-template-columns: 1fr; } }

/* Stacked bar */
.stacked-bar { margin-bottom: 16px; }
.stacked-bar .bar { display: flex; height: 14px; border-radius: 999px; overflow: hidden; gap: 2px; background: var(--line); }
.stacked-bar .legend { list-style: none; padding: 0; margin: 10px 0 0; display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: .78rem; color: var(--muted); }
.stacked-bar .legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.seg-navy { background: var(--navy); }
.seg-gold { background: var(--gold); }
.seg-gold-2 { background: var(--gold-400); }
.seg-gold-3 { background: var(--gold-200); }
.seg-grey { background: #B9B6CC; }

/* Quick calculator */
.calc-quick { display: block; }
.calc-quick-title { font-size: 1.2rem; margin-bottom: 16px; }
.quick-result { background: var(--cream); border: 1px solid #EEE3C2; border-radius: 14px; padding: 16px; text-align: center; margin: 4px 0 16px; }
.quick-result span { display: block; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 600; }
.quick-result strong { display: block; font-family: var(--font-head); font-size: 2.1rem; font-weight: 800; color: var(--navy); line-height: 1.2; }
.quick-result small { display: block; font-size: .78rem; color: var(--gold-600); min-height: 1.2em; }

/* ---------- Application ---------- */
.section-apply { background: var(--cream); }
.application { max-width: 980px; margin: 0 auto; background: #fff; border-radius: 22px; box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--line); }
.application-agent { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; padding: 22px 32px; background: linear-gradient(160deg, var(--navy), var(--navy-900)); color: rgba(255, 255, 255, .85); font-size: .88rem; position: relative; }
.application-agent::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--gold-gradient); }
.application-agent .site-logo img { height: 64px; width: auto; filter: drop-shadow(0 2px 6px rgba(0, 0, 0, .3)); }
.application-agent strong { display: block; color: #fff; font-family: var(--font-head); font-size: 1.1rem; }
.application-agent span { display: block; }
.application-agent a { color: var(--gold-400); text-decoration: none; }
.application-secure { margin: 0 0 0 auto; display: flex; align-items: center; gap: 8px; font-size: .82rem; background: rgba(255, 255, 255, .08); padding: 8px 14px; border-radius: 999px; }
.application-secure .icon { color: var(--gold-400); }
@media (max-width: 760px) { .application-secure { margin: 0; } .application-agent { padding: 20px; } }

.stepper { list-style: none; margin: 0; padding: 22px 24px 0; display: grid; grid-template-columns: repeat(7, 1fr); gap: 6px; }
.stepper li { display: flex; flex-direction: column; align-items: center; gap: 8px; text-align: center; font-size: .75rem; font-weight: 600; color: var(--muted); position: relative; cursor: default; }
.stepper li.is-reachable { cursor: pointer; }
.stepper li::before { content: ""; position: absolute; top: 17px; left: calc(-50% + 22px); right: calc(50% + 22px); height: 2px; background: var(--line); }
.stepper li:first-child::before { display: none; }
.stepper li.is-done::before, .stepper li.is-current::before { background: var(--gold); }
.stepper-num { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; border: 2px solid var(--line); background: #fff; font-family: var(--font-head); font-weight: 800; color: var(--muted); position: relative; z-index: 1; transition: all .2s; }
.stepper li.is-current .stepper-num { border-color: var(--navy); background: var(--navy); color: #fff; box-shadow: 0 0 0 5px rgba(40, 35, 92, .12); }
.stepper li.is-done .stepper-num { border-color: var(--gold); background: var(--gold); color: #fff; }
.stepper li.is-current { color: var(--navy); }
.progress { height: 4px; background: var(--line); margin: 18px 0 0; display: none; }
.progress span { display: block; height: 100%; background: var(--gold-gradient); transition: width .3s; }
@media (max-width: 760px) {
	.stepper { display: none; }
	.progress { display: block; }
}

.application-form { padding: 28px 32px 32px; }
@media (max-width: 600px) { .application-form { padding: 22px 18px 24px; } }
.step { border: 0; margin: 0; padding: 0; min-width: 0; }
.step-title { font-family: var(--font-head); font-size: 1.5rem; font-weight: 800; color: var(--ink); margin-bottom: 6px; padding: 0; }
.step-intro { color: var(--muted); margin-bottom: 22px; }
.applicant-card { border: 1px solid var(--line); border-radius: 16px; padding: 22px 22px 8px; margin-bottom: 18px; background: #FDFDFE; }
.applicant-title { font-size: 1rem; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.applicant-title::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); }
.applicant-title-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.applicant-title-row .applicant-title { margin: 0; }
.field-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0 16px; }
.field-grid .span-2 { grid-column: span 2; }
.field-grid .span-1 { grid-column: span 1; }
@media (max-width: 760px) { .field-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .field-grid { grid-template-columns: 1fr; } .field-grid .span-2 { grid-column: auto; } }
.form-subhead { font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gold-600); margin: 18px 0 12px; }
.form-subhead small { text-transform: none; letter-spacing: 0; color: var(--muted); font-weight: 500; }
.repeater { margin-bottom: 18px; }
.repeater-row { display: grid; grid-template-columns: 1fr 1.2fr 1fr 40px; gap: 0 12px; align-items: end; padding: 14px 14px 0; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; background: #fff; }
.repeater-row-wide { grid-template-columns: repeat(3, minmax(0, 1fr)); position: relative; padding-right: 50px; }
.repeater-row-wide .span-2 { grid-column: span 2; }
.repeater-row-wide .row-remove { position: absolute; top: 12px; right: 10px; }
.row-remove { width: 36px; height: 36px; margin-bottom: 22px; border: 0; border-radius: 8px; background: #FDECEA; color: var(--danger); font-size: 1.3rem; cursor: pointer; line-height: 1; }
.row-remove:hover { background: #F9D5D0; }
@media (max-width: 640px) {
	.repeater-row, .repeater-row-wide { grid-template-columns: 1fr; position: relative; padding-right: 50px; }
	.repeater-row-wide .span-2 { grid-column: auto; }
	.repeater-row .row-remove { position: absolute; top: 10px; right: 10px; margin: 0; }
}
.radio-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 18px; }
.radio-card { display: flex; align-items: center; gap: 12px; padding: 16px 18px; border: 1.5px solid var(--line); border-radius: 12px; cursor: pointer; font-weight: 600; }
.radio-card input { accent-color: var(--navy); width: 18px; height: 18px; }
.radio-card:has(input:checked) { border-color: var(--navy); background: var(--navy-100); }
@media (max-width: 480px) { .radio-cards { grid-template-columns: 1fr; } }
.consent-box { background: var(--cream); border: 1px solid #EEE3C2; border-radius: 14px; padding: 12px 18px; margin: 18px 0; }
[data-review] h3 { font-size: 1.05rem; color: var(--navy); }
[data-review] dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 24px; margin: 0 0 8px; }
[data-review] dl div { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
[data-review] dt { color: var(--muted); }
[data-review] dd { margin: 0; font-weight: 600; color: var(--ink); text-align: right; }
@media (max-width: 600px) { [data-review] dl { grid-template-columns: 1fr; } }
.form-nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 24px; padding-top: 22px; border-top: 1px solid var(--line); }
.form-nav-step { font-size: .85rem; color: var(--muted); margin: 0 auto; }
.form-nav [data-next], .form-nav [data-submit] { margin-left: auto; }
.form-nav [data-prev]:not([hidden]) ~ .form-nav-step { margin: 0 auto; }
.application-success { padding: 56px 32px; text-align: center; max-width: 640px; margin: 0 auto; }
.success-icon { display: inline-grid; place-items: center; width: 76px; height: 76px; border-radius: 50%; background: var(--gold-btn); color: var(--navy-900); margin-bottom: 18px; }
.success-icon .icon { width: 38px; height: 38px; stroke-width: 2.5; }

/* Contact */
.contact-form { max-width: 640px; }
.contact-card-title { color: rgba(255, 255, 255, .7); font-size: .88rem; }
.contact-list { list-style: none; padding: 0; margin: 20px 0; }
.contact-list li { display: flex; gap: 12px; align-items: flex-start; padding: 10px 0; border-bottom: 1px solid rgba(255, 255, 255, .1); }
.contact-list .icon { color: var(--gold-400); margin-top: 3px; }
.contact-list a { color: #fff !important; text-decoration: none; }
.contact-card-brokerage { font-size: .8rem; color: rgba(255, 255, 255, .6); }

/* ---------- Header CTAs ---------- */
.header-ctas { display: flex; gap: 8px; align-items: center; }
.header-book { padding: .7em 1.1em; }
.header-book .icon { width: 1.05em; height: 1.05em; }

/* ---------- Team ---------- */
.agent-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
@media (max-width: 960px) { .agent-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .agent-grid { grid-template-columns: 1fr; } }
.agent-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s; }
.agent-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.agent-card-media { display: block; aspect-ratio: 4 / 3; background: linear-gradient(160deg, var(--navy), var(--navy-900)); position: relative; overflow: hidden; }
.agent-card-media::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--gold-gradient); }
.agent-card-media .agent-photo { width: 100%; height: 100%; object-fit: cover; }
.agent-initials { display: grid !important; place-items: center; width: 100%; height: 100%; font-family: var(--font-head); font-weight: 800; font-size: 3.2rem; letter-spacing: .04em; color: var(--gold-400); background: radial-gradient(circle at 30% 20%, rgba(230, 184, 58, .22), transparent 60%); }
.agent-card-body { padding: 22px 24px 24px; display: flex; flex-direction: column; flex: 1; }
.agent-card h3 { margin-bottom: 2px; }
.agent-card h3 a { color: var(--ink); text-decoration: none; }
.agent-role { font-size: .85rem; color: var(--gold-600); font-weight: 600; margin-bottom: 12px; }
.agent-intro { color: var(--muted); font-size: .93rem; }
.agent-meta { display: flex; align-items: center; gap: 8px; font-size: .86rem; color: var(--text); margin-bottom: 16px; }
.agent-meta .icon { color: var(--gold-600); width: 16px; height: 16px; }
.agent-actions { margin-top: auto; display: flex; gap: 8px; flex-wrap: wrap; }
.agent-actions .icon { width: 1em; height: 1em; }

.agent-hero { padding: 40px 0 48px; }
.agent-hero-inner { position: relative; z-index: 1; display: flex; gap: 32px; align-items: center; }
.agent-hero-photo { width: 168px; height: 168px; border-radius: 50%; overflow: hidden; flex: none; border: 4px solid rgba(230, 184, 58, .7); box-shadow: var(--shadow-lg); background: var(--navy-600); }
.agent-hero-photo .agent-photo { width: 100%; height: 100%; object-fit: cover; }
.agent-hero-photo .agent-initials { font-size: 3rem; }
.agent-hero h1 { color: #fff; margin-bottom: .2em; }
.agent-hero .lead { color: rgba(255, 255, 255, .8); margin-bottom: 18px; }
.agent-hero-actions .icon { width: 1em; height: 1em; }
@media (max-width: 640px) { .agent-hero-inner { flex-direction: column; align-items: flex-start; } .agent-hero-photo { width: 120px; height: 120px; } }
.agent-layout { grid-template-columns: .9fr 1.1fr; }
@media (max-width: 900px) { .agent-layout { grid-template-columns: 1fr; } }
.agent-facts { list-style: none; padding: 0; margin: 24px 0; border-top: 1px solid var(--line); }
.agent-facts li { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid var(--line); margin: 0; }
.agent-facts .icon { color: var(--gold-600); margin-top: 3px; }
.agent-facts strong { display: block; font-family: var(--font-head); font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.agent-booking { scroll-margin-top: 110px; }
.agent-booking h2 { font-size: 1.5rem; margin-bottom: .2em; }

/* ---------- Booking ---------- */
.booking-embed { background: #fff; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; box-shadow: var(--shadow); }
.booking-embed iframe { display: block; width: 100%; height: 720px; border: 0; }
@media (max-width: 600px) { .booking-embed iframe { height: 900px; } }
.booking-fallback { margin-top: 10px; text-align: center; }
.booking-empty { background: var(--cream); border: 1px dashed #E6D9B0; border-radius: 18px; padding: 40px 28px; text-align: center; }
.booking-empty .card-icon { margin-left: auto; margin-right: auto; }
.booking-empty p { color: var(--muted); max-width: 440px; margin-left: auto; margin-right: auto; }
.booking-empty .btn .icon { width: 1em; height: 1em; }
.booking-panel { max-width: 1000px; margin: 0 auto 64px; }
.booking-panel-head { text-align: center; margin-bottom: 24px; }
.booking-panel-head p { color: var(--muted); }
.booking-agents-head { margin-bottom: 32px; }
.contact-card .btn .icon { width: 1em; height: 1em; }
.contact-card-apply { margin-top: 10px; }

/* Block editor alignment helpers */
.alignwide { max-width: 1100px; margin-left: auto; margin-right: auto; }
.alignfull { width: 100%; }
.has-navy-color { color: var(--navy); } .has-navy-background-color { background: var(--navy); }
.has-gold-color { color: var(--gold); } .has-gold-background-color { background: var(--gold); }
.has-light-gold-background-color { background: var(--gold-100); }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; } }
@media print { .topbar, .site-header, .cta-band, .site-footer, .hero-card { display: none; } }