/* Mortgage Pros Funding National — mobile-first stylesheet */
:root {
  --navy: #0d2238;
  --navy-2: #14304d;
  --navy-3: #1d4067;
  --ink: #17222f;
  --mute: #566273;
  --gold: #c8963e;
  --gold-l: #e2bb74;
  --gold-d: #8c621c;
  --copper: #b0683a;
  --paper: #f5f2ec;
  --sand: #ebe5d9;
  --line: #e2dccf;
  --white: #fff;
  --ok: #1f7a4d;
  --err: #a8322a;
  --serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --sans: 'Figtree', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --r: 14px;
  --sh-1: 0 1px 2px rgba(13, 34, 56, .06), 0 4px 12px rgba(13, 34, 56, .06);
  --sh-2: 0 2px 4px rgba(13, 34, 56, .06), 0 14px 34px -8px rgba(13, 34, 56, .22);
  --sh-3: 0 4px 8px rgba(13, 34, 56, .08), 0 30px 60px -18px rgba(13, 34, 56, .38);
  --ease: cubic-bezier(.2, .7, .2, 1);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 90px; }
body { margin: 0; font: 400 1.0625rem/1.65 var(--sans); color: var(--ink); background: var(--white); padding-bottom: 64px; overflow-x: hidden; }
img, svg, iframe { max-width: 100%; display: block; }
img { height: auto; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 500; line-height: 1.12; letter-spacing: -.015em; margin: 0 0 .6em; color: var(--navy); text-wrap: balance; }
h1 { font-size: clamp(2.15rem, 6.4vw, 3.9rem); }
h2 { font-size: clamp(1.7rem, 4.4vw, 2.65rem); }
h3, .h3 { font-size: clamp(1.25rem, 3vw, 1.55rem); }
h1 em, h2 em { font-style: italic; color: var(--gold); font-weight: 400; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0; padding: 0; list-style: none; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
html[lang="en"] [data-l="es"], html[lang="es"] [data-l="en"] { display: none !important; }

.wrap { width: min(100% - 2.5rem, 1180px); margin-inline: auto; }
.narrow { max-width: 780px; }
.center { text-align: center; }
.mt { margin-top: 2.2rem; }
.ico { width: 1.25em; height: 1.25em; flex: none; }
.skip { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy); padding: .7rem 1rem; z-index: 200; font-weight: 600; }
.skip:focus { left: .5rem; top: .5rem; }
.eyebrow { font: 600 .78rem/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-d); margin: 0 0 1rem; display: flex; align-items: center; gap: .7rem; }
.eyebrow::before { content: ''; width: 28px; height: 2px; background: var(--gold); flex: none; }
.eyebrow--gold, .sec--navy .eyebrow, .phero .eyebrow, .cta .eyebrow { color: var(--gold-l); }
.lead { font-size: clamp(1.08rem, 2.3vw, 1.25rem); color: var(--mute); max-width: 56ch; }
.note { font-size: .92rem; color: var(--mute); }
.note a, .prose a, .consent a, .licbox a { color: var(--gold-d); text-underline-offset: 3px; }
.note--box { background: var(--paper); border-left: 3px solid var(--gold); padding: 1rem 1.2rem; border-radius: 0 var(--r) var(--r) 0; margin-top: 2rem; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .6rem; padding: .95rem 1.5rem; border-radius: 999px; font-weight: 600; font-size: 1rem; line-height: 1.2; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .2s, color .2s, border-color .2s; }
.btn .ico { transition: transform .25s var(--ease); }
.btn:hover { transform: translateY(-2px); }
.btn:hover .ico { transform: translateX(4px); }
.btn--gold { background: var(--gold); color: var(--navy); box-shadow: 0 10px 22px -10px rgba(200, 150, 62, .9); }
.btn--gold:hover { background: var(--gold-l); box-shadow: 0 16px 28px -10px rgba(200, 150, 62, .9); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-3); box-shadow: var(--sh-2); }
.btn--ghost { border-color: rgba(255, 255, 255, .4); color: var(--white); }
.btn--ghost:hover { background: rgba(255, 255, 255, .1); border-color: var(--white); }
.btn--line { border-color: var(--navy); color: var(--navy); }
.btn--line:hover { background: var(--navy); color: var(--white); }
.btn--block { width: 100%; }
.more { display: inline-flex; align-items: center; gap: .5rem; font-weight: 600; color: var(--navy); text-decoration: none; border-bottom: 2px solid var(--gold); padding-bottom: 2px; }
.more .ico { transition: transform .25s var(--ease); }
.more:hover .ico, a:hover > .more .ico { transform: translateX(5px); }
.tel { display: inline-flex; align-items: center; gap: .5rem; font-weight: 600; text-decoration: none; color: var(--navy); }

/* ---------- top bar & header ---------- */
.topbar { background: var(--navy); color: #c9d3df; font-size: .8rem; }
.topbar__in { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: .45rem 0; }
.topbar span { display: inline-flex; align-items: center; gap: .4rem; }
.topbar .ico { color: var(--gold); width: 1em; height: 1em; }
.topbar__r { display: none !important; }
.topbar a { color: var(--white); text-decoration: none; font-weight: 600; display: inline-flex; gap: .35rem; align-items: center; margin-left: 1rem; }
.hdr { position: sticky; top: 0; z-index: 90; background: rgba(255, 255, 255, .94); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.hdr__in { display: flex; align-items: center; justify-content: space-between; gap: .8rem; min-height: 68px; }
.logo { display: inline-flex; align-items: center; gap: .65rem; text-decoration: none; }
.logo__mark { width: 40px; height: 40px; flex: none; transition: transform .4s var(--ease); }
.logo:hover .logo__mark { transform: rotate(-4deg) scale(1.05); }
.logo__txt { display: flex; flex-direction: column; line-height: 1; }
.logo__name { font: 600 1.02rem/1.05 var(--serif); color: var(--navy); letter-spacing: -.01em; white-space: nowrap; }
.logo__sub { font: 700 .62rem/1 var(--sans); letter-spacing: .34em; text-transform: uppercase; color: var(--gold-d); margin-top: .32rem; }
.hdr__act { display: flex; align-items: center; gap: .6rem; }
.hdr__cta { display: none; padding: .7rem 1.2rem; font-size: .93rem; }
.lang { display: inline-flex; border: 1.5px solid var(--line); border-radius: 999px; padding: 2px; background: var(--white); }
.lang button { border: 0; background: none; padding: .32rem .62rem; border-radius: 999px; font-weight: 700; font-size: .76rem; letter-spacing: .06em; cursor: pointer; color: var(--mute); transition: background .2s, color .2s; }
.lang button[aria-pressed="true"] { background: var(--navy); color: var(--white); }
.burger { width: 44px; height: 44px; border: 0; background: none; display: grid; place-content: center; gap: 5px; cursor: pointer; }
.burger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav { position: absolute; top: 100%; left: 0; right: 0; height: calc(100vh - var(--nav-top, 100px)); height: calc(100dvh - var(--nav-top, 100px)); background: var(--white); padding: 1rem 1.25rem 7rem; overflow-y: auto; opacity: 0; transform: translateY(-10px); transition: opacity .25s, transform .3s var(--ease), visibility .25s; display: flex; flex-direction: column; visibility: hidden; }
.nav.is-open { opacity: 1; transform: none; visibility: visible; }
.nav__lnk, .nav__btn { display: flex; align-items: center; justify-content: space-between; width: 100%; padding: 1rem .25rem; border: 0; border-bottom: 1px solid var(--line); background: none; font-weight: 600; font-size: 1.05rem; text-decoration: none; color: var(--navy); cursor: pointer; text-align: left; }
.nav__btn .ico { transition: transform .25s; }
.nav__btn[aria-expanded="true"] .ico { transform: rotate(180deg); }
.nav__drop { display: none; padding: .4rem 0 .6rem; border-bottom: 1px solid var(--line); }
.nav__btn[aria-expanded="true"] + .nav__drop { display: block; }
.nav__drop a { display: flex; align-items: center; gap: .7rem; padding: .7rem .5rem; text-decoration: none; border-radius: 10px; color: var(--ink); }
.nav__drop a .ico { color: var(--gold-d); }
.nav__cta { margin-top: 1.4rem; }

/* ---------- sections ---------- */
.sec { padding: clamp(3.4rem, 9vw, 6.5rem) 0; }
.sec--tight { padding: clamp(2.2rem, 5vw, 3.2rem) 0; }
.sec--paper { background: var(--paper); }
.sec--navy { background: var(--navy); color: #cfd8e3; position: relative; overflow: hidden; }
.sec--navy h1, .sec--navy h2, .sec--navy h3 { color: var(--white); }
.sec--navy::before { content: ''; position: absolute; width: 620px; height: 620px; right: -220px; top: -260px; border-radius: 50%; background: radial-gradient(circle, rgba(200, 150, 62, .16), transparent 68%); pointer-events: none; }
.sec--navy > .wrap { position: relative; }
.split { display: grid; gap: 2.5rem; align-items: start; }
.sechd { margin-bottom: 2.2rem; }
.sechd--c { text-align: center; }
.sechd--c .eyebrow { justify-content: center; }
.sechd--row { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 1rem; }
.sechd--row h2 { margin: 0; }
.stick { display: grid; gap: 1.4rem; }

/* ---------- hero ---------- */
.hero { background: linear-gradient(160deg, var(--navy) 0%, #0a1b2d 70%); color: #d5dde7; position: relative; overflow: hidden; }
.hero::after { content: ''; position: absolute; left: -12%; bottom: -55%; width: 70%; aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle, rgba(200, 150, 62, .14), transparent 65%); pointer-events: none; }
.hero__in { position: relative; z-index: 1; display: grid; gap: 2.4rem; padding: clamp(2.6rem, 7vw, 5.5rem) 0 clamp(3rem, 7vw, 5.5rem); }
.hero h1 { color: var(--white); margin-bottom: .5em; }
.hero .lead { color: #c3cedb; }
.hero__cta { display: flex; flex-wrap: wrap; gap: .8rem; margin: 1.8rem 0 2rem; }
.trust { display: flex; flex-wrap: wrap; gap: .6rem 1.5rem; font-size: .9rem; color: #b8c4d2; padding-top: 1.4rem; border-top: 1px solid rgba(255, 255, 255, .14); }
.trust li { display: inline-flex; align-items: center; gap: .5rem; }
.trust .ico { color: var(--gold); }
.hero__media { position: relative; }
.hero__media img { width: 100%; aspect-ratio: 4 / 3.3; object-fit: cover; border-radius: 22px 22px 22px 90px; box-shadow: var(--sh-3); }
.hero__media::before { content: ''; position: absolute; inset: 18px -14px -14px 18px; border: 1.5px solid rgba(200, 150, 62, .55); border-radius: 22px 22px 22px 90px; z-index: -1; }
.hero__card { position: absolute; left: -6px; bottom: -22px; display: flex; align-items: center; gap: .85rem; background: var(--white); color: var(--navy); text-decoration: none; padding: .85rem 1.25rem .85rem .85rem; border-radius: 16px; box-shadow: var(--sh-3); transition: transform .3s var(--ease); }
.hero__card:hover { transform: translateY(-4px); }
.hero__card-ico { width: 46px; height: 46px; border-radius: 12px; background: var(--navy); color: var(--gold); display: grid; place-items: center; }
.hero__card small { display: block; font-size: .76rem; color: var(--mute); }
.hero__card b { font: 600 1.2rem/1.2 var(--serif); }

/* ---------- loan program list ---------- */
.progsec__in { display: grid; gap: 2.2rem; }
.progsec__hd p { color: var(--mute); max-width: 46ch; }
.progs { border-top: 1px solid var(--line); }
.prog { display: grid; grid-template-columns: auto auto 1fr auto; align-items: center; gap: .9rem 1.1rem; padding: 1.25rem .4rem; border-bottom: 1px solid var(--line); text-decoration: none; position: relative; transition: padding .3s var(--ease), background .3s; }
.prog::before { content: ''; position: absolute; left: 0; bottom: -1px; height: 2px; width: 0; background: var(--gold); transition: width .45s var(--ease); }
.prog:hover { background: var(--paper); padding-left: 1rem; padding-right: 1rem; }
.prog:hover::before { width: 100%; }
.prog__n { font: 500 .85rem var(--serif); color: var(--gold-d); }
.prog__ico { width: 46px; height: 46px; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; color: var(--navy); transition: background .3s, color .3s, border-color .3s; }
.prog:hover .prog__ico { background: var(--navy); color: var(--gold); border-color: var(--navy); }
.prog__t b { display: block; font: 500 1.3rem/1.2 var(--serif); color: var(--navy); }
.prog__t > span { display: block; font-size: .93rem; color: var(--mute); margin-top: .25rem; }
.prog__arr { color: var(--gold-d); transition: transform .3s var(--ease); }
.prog:hover .prog__arr { transform: translateX(6px); }

/* ---------- US map ---------- */
.mapsec__hd { display: grid; gap: 1rem; margin-bottom: 1.5rem; }
.mapsec__hd h1, .mapsec__hd h2 { margin: 0; }
.mapsec__hd > p { max-width: 44ch; margin: 0; }
.mapsec--page { padding-top: 2rem; }
.mapsec--page h1 { font-size: clamp(1.9rem, 5vw, 3rem); }
.mapsec__map { position: relative; margin: 0 -1rem 2rem; }
.usmap { width: 100%; height: auto; }
.usmap__base path { fill: #20384f; stroke: var(--navy); stroke-width: 1; }
.usmap__lit path { fill: var(--gold); stroke: var(--navy); stroke-width: 1.2; transition: fill .2s, transform .25s var(--ease); transform-box: fill-box; transform-origin: center; }
.usmap__st { cursor: pointer; outline: none; }
.usmap__st:hover path, .usmap__st:focus-visible path { fill: #f0cf8e; transform: scale(1.035); }
.usmap__lbl text { font: 700 13px var(--sans); fill: var(--navy); text-anchor: middle; pointer-events: none; }
.usmap__lbl text.out { fill: var(--gold-l); }
.usmap__lbl line { stroke: var(--gold-l); stroke-width: 1; }
.usmap__tip { position: absolute; pointer-events: none; background: var(--white); color: var(--navy); font-weight: 600; font-size: .85rem; padding: .35rem .7rem; border-radius: 8px; box-shadow: var(--sh-2); transform: translate(-50%, -140%); white-space: nowrap; }
.usmap--mini .usmap__base path { fill: var(--sand); stroke: var(--white); }
.usmap--mini .usmap__lit path { stroke: var(--white); }
.regions { display: grid; grid-template-columns: 1fr 1fr; gap: 1.6rem 1.2rem; }
.region h3 { font: 600 .78rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-l); display: flex; justify-content: space-between; border-bottom: 1px solid rgba(255, 255, 255, .16); padding-bottom: .6rem; margin-bottom: .6rem; }
.region h3 span { color: #8fa0b3; font-weight: 500; letter-spacing: 0; }
.region a { display: block; padding: .32rem 0; color: #dfe6ee; text-decoration: none; transition: color .2s, padding .25s var(--ease); }
.region a:hover { color: var(--gold-l); padding-left: .4rem; }

/* ---------- about / portrait ---------- */
.about__in { display: grid; gap: 2.4rem; align-items: center; }
.portrait { position: relative; max-width: 380px; width: 100%; margin-inline: auto; }
.portrait__img, .portrait__ph { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 160px 160px 18px 18px; box-shadow: var(--sh-3); }
.portrait__ph { background: linear-gradient(155deg, var(--navy-3), var(--navy) 60%); display: grid; place-items: center; position: relative; overflow: hidden; }
.portrait__ph::after { content: ''; position: absolute; inset: 14px; border: 1px solid rgba(200, 150, 62, .5); border-radius: 150px 150px 10px 10px; }
.portrait__ph span { font: 400 clamp(4rem, 14vw, 6.5rem) var(--serif); color: var(--gold); letter-spacing: -.03em; }
.portrait__tag { position: absolute; right: -8px; bottom: 26px; background: var(--gold); color: var(--navy); font-weight: 600; font-size: .82rem; padding: .5rem .9rem; border-radius: 8px; box-shadow: var(--sh-2); max-width: 80%; }
.portrait--sm { max-width: 92px; margin: 0; flex: none; }
.portrait--sm .portrait__img, .portrait--sm .portrait__ph { border-radius: 50%; aspect-ratio: 1; box-shadow: none; }
.portrait--sm .portrait__ph::after { inset: 5px; border-radius: 50%; }
.portrait--sm .portrait__ph span { font-size: 1.8rem; }
.about__act { display: flex; flex-wrap: wrap; align-items: center; gap: 1.2rem; margin-top: 1.8rem; }
.checks { display: grid; gap: .8rem; margin: 1.4rem 0; }
.checks li { display: flex; gap: .75rem; align-items: flex-start; }
.checks .ico { color: var(--white); background: var(--gold); border-radius: 50%; padding: 4px; width: 1.45em; height: 1.45em; margin-top: .12em; }
.mcard { display: flex; gap: 1.1rem; align-items: center; background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 1.3rem; box-shadow: var(--sh-1); }
.mcard p { margin: 0; }
.mcard__name { font: 500 1.3rem var(--serif); color: var(--navy); }
.mcard__role { font-size: .9rem; color: var(--mute); }
.mcard__nmls { font-size: .76rem; color: var(--mute); margin-top: .2rem !important; }
.mcard__act { display: flex; flex-wrap: wrap; gap: .5rem 1.1rem; margin-top: .7rem; }
.mcard__act a { display: inline-flex; gap: .4rem; align-items: center; font-weight: 600; font-size: .93rem; text-decoration: none; color: var(--navy); border-bottom: 1.5px solid var(--gold); }

/* ---------- timeline (home) ---------- */
.tl { display: grid; gap: 0; margin: 0 0 2.4rem; counter-reset: tl; }
.tl li { display: grid; grid-template-columns: 54px 1fr; column-gap: 1rem; align-items: center; padding-bottom: 1.6rem; position: relative; }
.tl li::before { content: ''; position: absolute; left: 26px; top: 54px; bottom: 0; width: 2px; background: repeating-linear-gradient(var(--gold) 0 5px, transparent 5px 10px); }
.tl li:last-child::before { display: none; }
.tl__ico { grid-row: span 2; width: 54px; height: 54px; border-radius: 50%; background: var(--white); border: 1.5px solid var(--gold); color: var(--navy); display: grid; place-items: center; transition: background .3s, color .3s, transform .3s var(--ease); }
.tl li:hover .tl__ico { background: var(--navy); color: var(--gold); transform: scale(1.08); }
.tl b { font: 500 1.15rem var(--serif); color: var(--navy); }
.tl small { color: var(--mute); }

/* ---------- image band ---------- */
.band { display: grid; background: var(--navy); color: #cfd8e3; }
.band__img img { width: 100%; height: 100%; min-height: 260px; object-fit: cover; }
.band__copy { padding: clamp(2.4rem, 7vw, 5rem) 1.25rem; max-width: 620px; }
.band h2 { color: var(--white); }

/* ---------- quote ---------- */
.quote { margin: 0 0 2rem; text-align: center; position: relative; }
.quote__mark { font: 400 7rem/0.6 var(--serif); color: var(--gold); display: block; height: 3rem; }
.quote blockquote { margin: 0; font: 400 clamp(1.2rem, 3.2vw, 1.65rem)/1.5 var(--serif); color: var(--navy); }
.quote figcaption { margin-top: 1.6rem; display: grid; gap: .1rem; }
.quote figcaption b { font-weight: 600; }
.quote figcaption span { color: var(--mute); font-size: .92rem; }

/* ---------- blog cards ---------- */
.posts { display: grid; gap: 1.6rem; }
.posts--lead { margin-bottom: 1.6rem; }
.posts__side { display: grid; gap: 1.6rem; }
.post { display: flex; flex-direction: column; background: var(--white); border-radius: var(--r); overflow: hidden; text-decoration: none; box-shadow: var(--sh-1); transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.post:hover { transform: translateY(-5px); box-shadow: var(--sh-2); }
.post__img { overflow: hidden; aspect-ratio: 16 / 9; }
.post__img img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s var(--ease); }
.post:hover .post__img img { transform: scale(1.05); }
.post__b { padding: 1.3rem 1.4rem 1.5rem; display: flex; flex-direction: column; gap: .55rem; flex: 1; }
.post__cat { font: 600 .74rem var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-d); }
.post h3 { margin: 0; font-size: 1.25rem; }
.post p { margin: 0; color: var(--mute); font-size: .95rem; }
.post .more { margin-top: auto; align-self: flex-start; font-size: .93rem; }
.post--big h3 { font-size: clamp(1.4rem, 3.4vw, 1.9rem); }

/* ---------- forms ---------- */
.form { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: clamp(1.3rem, 4vw, 2.2rem); box-shadow: var(--sh-2); position: relative; }
.form::before { content: ''; position: absolute; left: 28px; right: 28px; top: -1px; height: 3px; background: linear-gradient(90deg, var(--gold), var(--copper)); border-radius: 0 0 4px 4px; }
.form__title { margin-bottom: .3em; }
.form__intro { color: var(--mute); margin-bottom: 1.2rem; }
.form__grid { display: grid; gap: 1rem; }
.fld { display: grid; gap: .35rem; font-size: .9rem; font-weight: 600; color: var(--navy); }
.fld input, .fld select, .fld textarea, .inp { width: 100%; border: 1.5px solid var(--line); border-radius: 10px; background: #fcfbf8; font-weight: 400; font-size: 1rem; transition: border-color .2s, box-shadow .2s, background .2s; }
.fld input, .fld select, .fld textarea { padding: .8rem .9rem; min-height: 50px; }
.fld textarea { resize: vertical; }
.fld input:focus, .fld select:focus, .fld textarea:focus, .inp:focus-within { outline: none; border-color: var(--gold); background: var(--white); box-shadow: 0 0 0 4px rgba(200, 150, 62, .18); }
.fld .is-bad { border-color: var(--err); }
.hp { position: absolute; left: -9999px; }
.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .8rem; color: var(--mute); margin: 1.2rem 0 .8rem; line-height: 1.5; }
.consent input { width: 20px; height: 20px; flex: none; margin-top: .1rem; accent-color: var(--navy); }
.form__safe { display: flex; gap: .5rem; align-items: center; font-size: .8rem; color: var(--mute); margin-bottom: 1.1rem; }
.form__safe .ico { color: var(--ok); }
.form__msg { margin: 1rem 0 0; padding: .9rem 1rem; border-radius: 10px; font-weight: 500; font-size: .95rem; }
.form__msg.is-ok { background: #e7f4ec; color: var(--ok); }
.form__msg.is-err { background: #fbeae8; color: var(--err); }
.contactlist { display: grid; gap: .9rem; margin-top: 1.6rem; }
.contactlist li { display: flex; gap: .8rem; align-items: center; }
.contactlist .ico { color: var(--gold-d); }
.contactlist a { font-weight: 600; text-decoration: none; color: var(--navy); }
.contactlist a:hover { text-decoration: underline; text-decoration-color: var(--gold); }

/* ---------- CTA band ---------- */
.cta { background: linear-gradient(120deg, var(--navy-2), var(--navy)); color: #cfd8e3; position: relative; overflow: hidden; }
.cta::before { content: ''; position: absolute; right: -60px; top: -120px; width: 380px; height: 380px; border: 1.5px solid rgba(200, 150, 62, .35); border-radius: 50%; }
.cta::after { content: ''; position: absolute; right: 10px; top: -60px; width: 260px; height: 260px; border: 1.5px solid rgba(200, 150, 62, .2); border-radius: 50%; }
.cta__in { position: relative; z-index: 1; display: grid; gap: 1.6rem; padding: clamp(2.8rem, 7vw, 4.5rem) 0; }
.cta h2 { color: var(--white); margin-bottom: .3em; }
.cta p { margin: 0; }
.cta__act { display: flex; flex-wrap: wrap; align-items: center; gap: 1.2rem; }
.cta__tel { display: inline-flex; align-items: center; gap: .55rem; color: var(--white); font: 500 1.35rem var(--serif); text-decoration: none; }
.cta__tel .ico { color: var(--gold); }

/* ---------- page hero ---------- */
.phero { background: var(--navy); color: #c9d3df; position: relative; overflow: hidden; }
.phero::before { content: ''; position: absolute; left: -160px; bottom: -300px; width: 560px; height: 560px; border-radius: 50%; background: radial-gradient(circle, rgba(200, 150, 62, .15), transparent 68%); }
.phero__in { position: relative; display: grid; gap: 2rem; padding: clamp(2rem, 5vw, 3.6rem) 0 clamp(2.4rem, 6vw, 4.2rem); }
.phero h1 { color: var(--white); font-size: clamp(2rem, 5.6vw, 3.3rem); }
.phero .lead { color: #c3cedb; margin: 0; }
.phero__media img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; border-radius: 18px 18px 18px 70px; box-shadow: var(--sh-3); }
.crumbs { display: flex; flex-wrap: wrap; gap: .5rem; font-size: .84rem; margin-bottom: 1.6rem; color: #94a5b8; }
.crumbs a { color: #c9d3df; text-decoration: none; }
.crumbs a:hover { color: var(--gold-l); }
.crumbs b { font-weight: 500; color: var(--gold-l); }

/* ---------- prose / content blocks ---------- */
.prose h2 { margin-top: 1.6em; }
.prose > h2:first-child, .prose > div > h2:first-child { margin-top: 0; }
.prose ul, .prose ol { margin: 0 0 1.2em; padding-left: 1.3rem; display: grid; gap: .5rem; }
.prose ul { list-style: none; padding-left: 0; }
.prose ul li { padding-left: 1.4rem; position: relative; }
.prose ul li::before { content: ''; position: absolute; left: 0; top: .68em; width: 8px; height: 8px; border-radius: 2px; background: var(--gold); transform: rotate(45deg); }
.prose ol { list-style: decimal; }
.prose ol li::marker { color: var(--gold-d); font-weight: 700; }
.prose--art { padding: 2.2rem 0 1rem; font-size: 1.1rem; }
.prose--art h2 { font-size: clamp(1.4rem, 3.4vw, 1.8rem); }
.prose--art > div > p:first-child { font-size: 1.22rem; color: var(--navy); font-family: var(--serif); line-height: 1.5; }
.prose--art .mcard { margin: 2rem 0; }
.prose--legal h2 { font-size: 1.35rem; }
.facts { display: grid; gap: 0; background: var(--navy); color: var(--white); border-radius: 18px; padding: .6rem 1.5rem; box-shadow: var(--sh-2); margin: 0; }
.facts div { padding: 1.1rem 0; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.facts div:last-child { border: 0; }
.facts dt { font: 600 .74rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-l); margin-bottom: .3rem; }
.facts dd { margin: 0; font: 500 1.15rem/1.3 var(--serif); }
.steps { counter-reset: st; display: grid; gap: 1rem; margin-top: 1.8rem; }
.steps li { counter-increment: st; position: relative; padding: 1.4rem 1.4rem 1.4rem 4.6rem; background: var(--paper); border-radius: var(--r); transition: transform .3s var(--ease), box-shadow .3s; }
.steps li:hover { transform: translateX(6px); box-shadow: var(--sh-1); }
.steps li::before { content: '0' counter(st); position: absolute; left: 1.3rem; top: 1.15rem; font: 400 1.9rem var(--serif); color: var(--gold); }
.steps p { margin: 0; }
.steps--sm li { background: none; padding: .3rem 0 .3rem 3rem; }
.steps--sm li:hover { transform: none; box-shadow: none; }
.steps--sm li::before { left: 0; top: 0; font-size: 1.5rem; }
.chips { display: flex; flex-wrap: wrap; gap: .5rem; }
.chips li, .chips a { display: inline-flex; align-items: center; gap: .45rem; padding: .4rem .85rem; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); font-size: .88rem; text-decoration: none; color: var(--navy); }
.chips--lg a { padding: .65rem 1.15rem; font-weight: 600; font-size: .95rem; background: var(--white); transition: background .2s, color .2s, transform .25s var(--ease), border-color .2s; }
.chips--lg a:hover { background: var(--navy); color: var(--white); border-color: var(--navy); transform: translateY(-2px); }
.chips--lg a .ico { color: var(--gold-d); }
.chips--lg a:hover .ico { color: var(--gold); }
.chips .chips__all { background: var(--gold); border-color: var(--gold); }
.chips--c { justify-content: center; margin-top: 1.5rem; }
.faq__i { border-bottom: 1px solid var(--line); }
.faq__i summary { display: flex; justify-content: space-between; gap: 1rem; align-items: center; padding: 1.15rem 0; cursor: pointer; font: 500 1.12rem/1.35 var(--serif); color: var(--navy); list-style: none; }
.faq__i summary::-webkit-details-marker { display: none; }
.faq__i summary .ico { color: var(--gold-d); transition: transform .3s var(--ease); }
.faq__i[open] summary .ico { transform: rotate(180deg); }
.faq__a { padding: 0 2rem 1.2rem 0; color: var(--mute); }
.faq__a p { margin: 0; }
.glance { background: var(--paper); border-radius: 18px; padding: 1.5rem; }
.glance h3 { font: 600 .78rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-d); margin: 1rem 0 .8rem; }
.glance .chips li { background: var(--white); }
.glance__n { font-size: .88rem; color: var(--mute); margin: .9rem 0 0; }
.mix { display: grid; gap: 1rem; margin-top: 1.8rem; }
.mix__i { display: grid; grid-template-columns: auto 1fr auto; gap: 1.1rem; align-items: center; background: var(--white); border-radius: var(--r); padding: 1.3rem; text-decoration: none; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s, border-color .3s; }
.mix__i:hover { transform: translateY(-3px); box-shadow: var(--sh-2); border-color: var(--gold); }
.mix__ico { width: 50px; height: 50px; border-radius: 12px; background: var(--navy); color: var(--gold); display: grid; place-items: center; }
.mix__t { color: var(--mute); font-size: .95rem; }
.mix__t b { display: block; font: 500 1.2rem var(--serif); color: var(--navy); margin-bottom: .2rem; }
.mix__arr { color: var(--gold-d); transition: transform .3s var(--ease); }
.mix__i:hover .mix__arr { transform: translateX(5px); }
.know { counter-reset: kn; display: grid; gap: 1.6rem; margin-top: 2rem; }
.know li { counter-increment: kn; padding-top: 1.2rem; border-top: 1px solid rgba(255, 255, 255, .18); position: relative; padding-left: 3.4rem; }
.know li::before { content: counter(kn); position: absolute; left: 0; top: .9rem; font: 400 2.4rem/1 var(--serif); color: var(--gold); }
.know b { color: var(--white); }
.licbox { display: flex; gap: 1rem; background: var(--paper); border: 1px dashed var(--gold); border-radius: var(--r); padding: 1.2rem; font-size: .9rem; }
.licbox > .ico { color: var(--gold-d); width: 1.6rem; height: 1.6rem; }
.licbox h3 { font-size: 1.05rem; margin-bottom: .3em; }
.licbox p { margin: 0 0 .8rem; color: var(--mute); }
.licbox p:last-child { margin: 0; }
.licbox--lg { font-size: 1rem; margin-bottom: 2.4rem; }
.cols { columns: 2; list-style: none !important; padding: 0 !important; display: block !important; }
.cols li { break-inside: avoid; margin-bottom: .4rem; }

/* ---------- article ---------- */
.art__hd { background: var(--navy); color: #c9d3df; padding: clamp(2rem, 5vw, 3.4rem) 0 clamp(5rem, 12vw, 8rem); }
.art__hd h1 { color: var(--white); font-size: clamp(1.9rem, 5.4vw, 3.1rem); }
.art__meta { margin: 0; font-size: .9rem; color: #9fb0c2; }
.art__img { margin-top: clamp(-6.5rem, -10vw, -3.6rem); }
.art__img img { width: 100%; aspect-ratio: 16 / 8; object-fit: cover; border-radius: 18px; box-shadow: var(--sh-3); }

/* ---------- process road ---------- */
.road__i { display: grid; grid-template-columns: 58px 1fr; gap: 1.2rem; padding-bottom: 2.2rem; position: relative; }
.road__i::before { content: ''; position: absolute; left: 28px; top: 58px; bottom: 0; width: 2px; background: var(--line); }
.road__i:last-child::before { display: none; }
.road__ico { width: 58px; height: 58px; border-radius: 16px; background: var(--navy); color: var(--gold); display: grid; place-items: center; position: relative; z-index: 1; transition: transform .3s var(--ease); }
.road__i:hover .road__ico { transform: rotate(-6deg) scale(1.06); }
.road__n { font: 600 .74rem var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-d); }
.road__i h2 { margin: .3rem 0 .4rem; }
.road__i p { margin: 0; color: var(--mute); }

/* ---------- calculator ---------- */
.calc { display: grid; gap: 1.6rem; }
.calc__form { display: grid; gap: 1rem; }
.fld2 { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; align-items: end; }
.inp { display: flex; align-items: center; overflow: hidden; }
.inp i { font-style: normal; color: var(--mute); padding: 0 .8rem; font-weight: 600; }
.inp input { border: 0 !important; background: none !important; box-shadow: none !important; min-width: 0; }
.inp--pre input { padding-left: 0; }
.inp--suf input { padding-right: 0; }
.calc__hint { font-size: .84rem; color: var(--mute); margin: 0; }
.calc__out { background: var(--navy); color: #cfd8e3; border-radius: 22px; padding: clamp(1.5rem, 4vw, 2.4rem); box-shadow: var(--sh-3); align-self: start; }
.calc__lbl { font: 600 .76rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-l); margin: 0; }
.calc__total { font: 500 clamp(2.8rem, 9vw, 4rem)/1.1 var(--serif); color: var(--white); margin: .2rem 0 1.2rem; }
.calc__bar { display: flex; height: 12px; border-radius: 99px; overflow: hidden; background: rgba(255, 255, 255, .1); margin-bottom: 1.4rem; }
.calc__bar i { height: 100%; transition: width .5s var(--ease); width: 0; }
[data-seg="pi"], [data-dot="pi"] { background: var(--gold); }
[data-seg="tax"], [data-dot="tax"] { background: #7fb3d9; }
[data-seg="ins"], [data-dot="ins"] { background: #d98b5f; }
[data-seg="pmi"], [data-dot="pmi"] { background: #a6c48a; }
[data-seg="hoa"], [data-dot="hoa"] { background: #b9a3d6; }
.calc__rows { margin: 0 0 1.2rem; }
.calc__rows div { display: flex; justify-content: space-between; padding: .6rem 0; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.calc__rows dt { display: flex; align-items: center; gap: .6rem; }
.calc__rows dt i { width: 10px; height: 10px; border-radius: 3px; }
.calc__rows dd { margin: 0; font-weight: 600; color: var(--white); font-variant-numeric: tabular-nums; }
.calc__loan { font-size: .92rem; margin-bottom: 1.4rem; }
.calc__loan b { color: var(--white); }

/* ---------- tables / glossary ---------- */
.tblwrap { overflow-x: auto; margin: 1.6rem -1.25rem 1rem; padding: 0 1.25rem; }
.tbl { width: 100%; min-width: 640px; border-collapse: collapse; font-size: .95rem; }
.tbl th, .tbl td { padding: .95rem .9rem; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.tbl thead th { font: 500 1.15rem var(--serif); color: var(--navy); border-bottom: 2px solid var(--gold); }
.tbl thead a { text-decoration: none; border-bottom: 1.5px solid var(--gold); }
.tbl tbody th { font-weight: 600; color: var(--navy); width: 22%; }
.tbl tbody tr:hover { background: var(--paper); }
.gloss { display: grid; gap: 0 2.5rem; margin: 1.6rem 0 0; }
.gloss div { padding: 1.1rem 0; border-top: 1px solid var(--line); }
.gloss dt { font: 500 1.15rem var(--serif); color: var(--navy); margin-bottom: .25rem; }
.gloss dd { margin: 0; color: var(--mute); font-size: .96rem; }

/* ---------- FAQ page ---------- */
.faqpage { display: grid; gap: 2rem; }
.faqpage__nav { display: flex; flex-wrap: wrap; gap: .5rem; }
.faqpage__nav a { padding: .5rem 1rem; border-radius: 999px; border: 1px solid var(--line); text-decoration: none; font-weight: 600; font-size: .9rem; color: var(--navy); transition: background .2s, color .2s; }
.faqpage__nav a:hover { background: var(--navy); color: var(--white); }
.faqgrp { margin-bottom: 2.6rem; }
.faqgrp h2 { color: var(--gold-d); font: 600 .8rem var(--sans); letter-spacing: .14em; text-transform: uppercase; margin-bottom: .4rem; }

/* ---------- reviews ---------- */
.revs { display: grid; gap: 1.2rem; }
.rev { margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 1.6rem; box-shadow: var(--sh-1); }
.rev__hd { display: flex; gap: .9rem; align-items: center; margin-bottom: 1rem; }
.rev__av { width: 50px; height: 50px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font: 500 1.1rem var(--serif); }
.rev__hd b { display: block; color: var(--navy); }
.rev__hd span span, .rev__hd div span { font-size: .86rem; color: var(--mute); }
.rev blockquote { margin: 0 0 1rem; font: 400 1.12rem/1.6 var(--serif); color: var(--ink); }
.rev figcaption { font-size: .8rem; color: var(--mute); }
.rev--empty { display: grid; place-items: center; text-align: center; gap: .6rem; border-style: dashed; background: var(--paper); box-shadow: none; color: var(--mute); min-height: 150px; font-size: .92rem; }
.rev--empty .ico { color: var(--gold); width: 1.8rem; height: 1.8rem; }
.rev--empty p { margin: 0; max-width: 22ch; }

/* ---------- contact ---------- */
.ways { display: grid; gap: .8rem; margin-bottom: 1.2rem; }
.way { display: flex; gap: 1rem; align-items: center; padding: 1.1rem 1.2rem; border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; transition: transform .3s var(--ease), box-shadow .3s, border-color .3s; }
.way:hover { transform: translateX(5px); box-shadow: var(--sh-1); border-color: var(--gold); }
.way > .ico { width: 46px; height: 46px; padding: 12px; border-radius: 12px; background: var(--navy); color: var(--gold); }
.way small { display: block; font: 600 .72rem var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-d); }
.way b { font: 500 1.1rem/1.3 var(--serif); color: var(--navy); }
.gmap { width: 100%; height: 320px; border: 0; border-radius: 18px; box-shadow: var(--sh-1); margin-top: 1rem; }
.office { border-radius: 18px; overflow: hidden; box-shadow: var(--sh-2); background: var(--white); }
.office img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.office__b { padding: 1.4rem; }
.office__b p { color: var(--mute); }

/* ---------- state cards ---------- */
.stcards { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; margin: 1.8rem 0; }
.stcard { position: relative; border-radius: var(--r); overflow: hidden; aspect-ratio: 4 / 3.4; text-decoration: none; color: var(--white); box-shadow: var(--sh-1); }
.stcard img { width: 100%; height: 100%; object-fit: cover; transition: transform .7s var(--ease); }
.stcard::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to top, rgba(8, 22, 38, .92) 0%, rgba(8, 22, 38, .15) 60%); transition: opacity .3s; }
.stcard:hover img { transform: scale(1.08); }
.stcard__b { position: absolute; left: 0; right: 0; bottom: 0; padding: .9rem; z-index: 1; display: grid; }
.stcard__b b { font: 500 1.15rem var(--serif); }
.stcard__b small { font-size: .72rem; color: #c9d3df; }
.stcard__b::before { content: ''; width: 24px; height: 2px; background: var(--gold); margin-bottom: .5rem; transition: width .35s var(--ease); }
.stcard:hover .stcard__b::before { width: 52px; }

.nf { min-height: 55vh; display: grid; align-items: center; }
.nf .eyebrow { justify-content: center; }
.nf .lead { margin-inline: auto; }

/* ---------- footer ---------- */
.ftr { background: #08182a; color: #a9b7c7; font-size: .93rem; }
.ftr a { color: #d5dde7; text-decoration: none; transition: color .2s; }
.ftr a:hover { color: var(--gold-l); }
.ftr__top { display: grid; gap: 2.2rem; padding: 3.5rem 0 2.5rem; }
.ftr .logo__name { color: var(--white); }
.ftr .logo__sub { color: var(--gold-l); }
.ftr__brand p { margin: 1.2rem 0; max-width: 36ch; }
.ftr address { font-style: normal; line-height: 1.7; }
.ftr h4 { font: 600 .76rem var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-l); margin-bottom: 1rem; }
.ftr h4 a { color: inherit; }
.ftr__col li { margin-bottom: .5rem; }
.ftr__states ul { columns: 2; }
.ftr__legal { border-top: 1px solid rgba(255, 255, 255, .1); padding: 2rem 0 2.5rem; font-size: .8rem; line-height: 1.6; }
.ftr__eho { display: flex; align-items: center; gap: .7rem; color: #d5dde7; font-weight: 600; margin-bottom: 1rem; }
.eho { width: 34px; height: 34px; }
.ftr__links { display: flex; flex-wrap: wrap; gap: .5rem 1.4rem; margin: 1.2rem 0; }
.ftr__links a { text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(255, 255, 255, .25); }
.ftr__base { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .6rem; color: #7f8fa1; }
.ftr__credit { color: #7f8fa1 !important; font-size: .76rem; }
.ftr__credit:hover { color: var(--gold-l) !important; }

/* ---------- floating contact dock ---------- */
.dock { position: fixed; left: 0; right: 0; bottom: 0; z-index: 80; display: grid; grid-template-columns: 1fr 1fr 1fr; background: var(--navy); box-shadow: 0 -6px 24px rgba(8, 22, 38, .28); padding-bottom: env(safe-area-inset-bottom); }
.dock__btn { display: flex; align-items: center; justify-content: center; gap: .5rem; min-height: 60px; color: var(--white); text-decoration: none; font-weight: 600; font-size: .95rem; border-right: 1px solid rgba(255, 255, 255, .12); }
.dock__wa { background: #1faa59; }
.dock__apply { background: var(--gold); color: var(--navy); border: 0; }

/* ---------- reveal ---------- */
.js .rv { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .rv.is-in { opacity: 1; transform: none; }

/* ================= tablet ================= */
@media (min-width: 640px) {
  .topbar__r { display: inline-flex !important; }
  .form__grid { grid-template-columns: 1fr 1fr; }
  .fld--full { grid-column: 1 / -1; }
  .posts--grid { grid-template-columns: 1fr 1fr; }
  .posts__side { grid-template-columns: 1fr 1fr; }
  .regions { grid-template-columns: repeat(4, 1fr); }
  .revs { grid-template-columns: 1fr 1fr; }
  .revs .rev:first-child { grid-column: 1 / -1; }
  .stcards { grid-template-columns: repeat(3, 1fr); }
  .gloss { grid-template-columns: 1fr 1fr; }
  .mapsec__map { margin-inline: 0; }
  .hdr__cta { display: inline-flex; }
  .nav__cta { display: none; }
  .know { grid-template-columns: repeat(3, 1fr); gap: 2rem; }
  .tl { grid-template-columns: repeat(5, 1fr); text-align: center; }
  .tl li { grid-template-columns: 1fr; justify-items: center; row-gap: .5rem; padding: 0 .5rem; }
  .tl li::before { left: calc(50% + 34px); right: calc(-50% + 34px); top: 27px; bottom: auto; width: auto; height: 2px; background: repeating-linear-gradient(90deg, var(--gold) 0 5px, transparent 5px 10px); }
  .tl__ico { grid-row: auto; }
}

/* ================= desktop ================= */
@media (min-width: 900px) {
  body { padding-bottom: 0; }
  .split { grid-template-columns: 1fr 1fr; gap: 4rem; }
  .split--wide { grid-template-columns: 1.5fr 1fr; }
  .split--form { grid-template-columns: 1.25fr 1fr; }
  .stick { position: sticky; top: 110px; }
  .hero__in { grid-template-columns: 1.05fr 1fr; align-items: center; gap: 4rem; }
  .hero__card { left: -34px; bottom: 34px; }
  .progsec__in { grid-template-columns: 1fr 1.35fr; gap: 5rem; }
  .progsec__hd { position: sticky; top: 120px; align-self: start; }
  .mapsec__hd { grid-template-columns: 1fr auto; align-items: end; }
  .mapsec__map { max-width: 940px; margin-inline: auto; }
  .about__in { grid-template-columns: .8fr 1.2fr; gap: 5rem; }
  .band { grid-template-columns: 1fr 1fr; }
  .band__copy { padding-left: clamp(2.5rem, 6vw, 5.5rem); align-self: center; }
  .posts--lead { grid-template-columns: 1.5fr 1fr; }
  .posts__side { grid-template-columns: 1fr; }
  .posts__side .post { flex-direction: row; }
  .posts__side .post__img { width: 40%; aspect-ratio: auto; flex: none; }
  .posts__side .post p { display: none; }
  .posts--grid { grid-template-columns: repeat(3, 1fr); }
  .cta__in { grid-template-columns: 1fr auto; align-items: center; }
  .phero--img .phero__in { grid-template-columns: 1.1fr .9fr; align-items: center; gap: 3.5rem; }
  .mix { grid-template-columns: repeat(3, 1fr); }
  .mix__i { grid-template-columns: 1fr auto; align-content: start; }
  .mix__ico { grid-column: 1 / -1; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps--sm { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1.1fr 1fr; gap: 3rem; }
  .calc__out { position: sticky; top: 110px; }
  .faqpage { grid-template-columns: 220px 1fr; gap: 4rem; }
  .faqpage__nav { flex-direction: column; position: sticky; top: 110px; align-self: start; }
  .revs { grid-template-columns: repeat(4, 1fr); }
  .stcards { grid-template-columns: repeat(4, 1fr); }
  .gloss { grid-template-columns: repeat(3, 1fr); }
  .cols { columns: 3; }
  .ftr__top { grid-template-columns: 1.4fr .8fr 1fr 1.3fr; gap: 3rem; }
  .dock { left: auto; right: 22px; bottom: 22px; background: none; box-shadow: none; display: flex; flex-direction: column; gap: .7rem; padding: 0; }
  .dock__btn { width: 56px; height: 56px; min-height: 0; border-radius: 50%; border: 0; box-shadow: var(--sh-2); transition: transform .3s var(--ease), box-shadow .3s; }
  .dock__btn:hover { transform: translateY(-3px) scale(1.06); box-shadow: var(--sh-3); }
  .dock__btn span { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .dock__btn .ico { width: 1.6em; height: 1.6em; }
  .dock__call { background: var(--navy); color: var(--gold); }
  .dock__apply { display: none; }
}

@media (min-width: 1120px) {
  .burger { display: none; }
  .nav { position: static; transform: none; visibility: visible; opacity: 1; height: auto; width: auto; padding: 0; flex-direction: row; align-items: center; gap: .1rem; box-shadow: none; overflow: visible; background: none; }
  .nav__lnk, .nav__btn { width: auto; border: 0; padding: .6rem .75rem; font-size: .93rem; border-radius: 8px; gap: .3rem; position: relative; }
  .nav__lnk::after { content: ''; position: absolute; left: .75rem; right: .75rem; bottom: .3rem; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease); }
  .nav__lnk:hover::after { transform: scaleX(1); }
  .nav__grp { position: relative; }
  .nav__drop { display: block !important; position: absolute; top: 100%; left: -.6rem; min-width: 250px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: .5rem; box-shadow: var(--sh-2); opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .2s, transform .25s var(--ease), visibility .2s; }
  .nav__grp:hover .nav__drop, .nav__grp:focus-within .nav__drop { opacity: 1; visibility: visible; transform: none; }
  .nav__drop a { font-size: .93rem; font-weight: 500; transition: background .2s, padding .25s var(--ease); }
  .nav__drop a:hover { background: var(--paper); padding-left: .8rem; }
  .logo__name { font-size: 1.1rem; }
}

@media (max-width: 380px) {
  .logo__name { font-size: .9rem; }
  .logo__mark { width: 34px; height: 34px; }
  .hdr__in { gap: .3rem; }
  .fld2 { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; scroll-behavior: auto !important; }
  .js .rv { opacity: 1; transform: none; }
}
@media print { .hdr, .topbar, .dock, .cta, .ftr__top { display: none; } body { padding: 0; } }

/* ---------- refinements ---------- */
.btn, .nav__lnk, .nav__btn { white-space: nowrap; }
.usmap__base path { fill: #3a4d61; }
@media (min-width: 900px) { .dock__call { border: 1.5px solid rgba(200, 150, 62, .7); } }
@media (min-width: 1120px) {
  .nav__lnk, .nav__btn { padding: .6rem .55rem; font-size: .9rem; }
  .nav__lnk::after { left: .55rem; right: .55rem; }
  .hdr__cta { padding: .7rem 1.05rem; font-size: .9rem; }
}
@media (max-width: 440px) {
  .wrap { width: min(100% - 2rem, 1180px); }
  .hdr__in { gap: .4rem; }
  .logo { gap: .5rem; min-width: 0; }
  .logo__mark { width: 34px; height: 34px; }
  .logo__name { font-size: .88rem; }
  .logo__sub { font-size: .55rem; letter-spacing: .28em; }
  .hdr__act { gap: .25rem; }
  .lang button { padding: .3rem .5rem; font-size: .72rem; }
  .burger { width: 38px; }
}

html { overflow-x: clip; }

/* ---------- addendum: calculators hub & 4-up posts ---------- */
.mix--calc .mix__t { font-size: .9rem; }
.mix--calc .mix__t b { font-size: 1.1rem; }
@media (min-width: 640px) { .mix--calc { grid-template-columns: 1fr 1fr; } }
@media (min-width: 900px) { .mix--calc { grid-template-columns: repeat(3, 1fr); } .posts--4 { grid-template-columns: repeat(4, 1fr); } .posts--4 .post p { display: none; } }