/* ============================================================
   WADE DARIUS | TMG MORTGAGE GROUP — shared stylesheet
   Fonts: General Sans (display) + Satoshi (body), via Fontshare
   Palette: white / blue / dark navy / light blue — light default,
   dark mode available via [data-theme="dark"]
   ============================================================ */

:root {
  --radius: 16px;
  --font-head: 'General Sans', 'Satoshi', Arial, sans-serif;
  --font-body: 'Satoshi', Arial, sans-serif;
}

:root, :root[data-theme="light"] {
  --bg: #ffffff;
  --bg-soft: #eef4fd;
  --surface: #ffffff;
  --surface-2: #e8f1fb;
  --border: #d9e5f5;

  --ink: #0b1b30;
  --ink-soft: #3d4f6b;
  --ink-muted: #6c7c98;
  --ink-faint: #94a3ba;

  --blue-1: #0a2f6e;
  --blue-2: #1a5fd6;
  --blue-3: #6fa8ff;
  --on-blue: #ffffff;

  --glow: rgba(26,95,214,0.16);
  --shadow: 0 20px 44px -22px rgba(10,40,100,0.28);
}

:root[data-theme="dark"] {
  --bg: #060e1c;
  --bg-soft: #0a1524;
  --surface: #0d1a2e;
  --surface-2: #102340;
  --border: #1c2e4c;

  --ink: #eef4ff;
  --ink-soft: #b7c6e2;
  --ink-muted: #8496b8;
  --ink-faint: #5d6f90;

  --blue-1: #4d8dff;
  --blue-2: #6fa8ff;
  --blue-3: #a7cbff;
  --on-blue: #04122c;

  --glow: rgba(111,168,255,0.26);
  --shadow: 0 24px 50px -20px rgba(0,0,0,0.6);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  width: 100%;
  max-width: 100vw;
  overflow-x: clip;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}
body {
  background: var(--bg);
  color: var(--ink-soft);
  font-family: var(--font-body);
  -webkit-font-smoothing: antialiased;
  width: 100%;
  max-width: 100vw;
  overflow-x: clip;
  position: relative;
  transition: background .35s ease, color .35s ease;
}
h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 600; letter-spacing: -0.02em; line-height: 1.08; color: var(--ink); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: var(--font-body); }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 28px; }
section { position: relative; }
.blue-text { background: linear-gradient(115deg, var(--blue-1), var(--blue-2) 60%); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ===== Reveal (progressive enhancement — visible by default) =====
   Kept subtle on purpose: a small translateY + fast transition, and the
   observer fires with a bottom rootMargin (see script.js) so the animation
   finishes before the section is actually scrolled into view — a fast
   scroll never catches content mid-fade looking washed out. */
.reveal { opacity: 1; transform: none; }
.js-reveal .reveal { opacity: 0; transform: translateY(14px); transition: opacity .4s ease-out, transform .4s ease-out; }
.js-reveal .reveal.is-visible { opacity: 1; transform: none; }

/* ===== Buttons — no literal numbers in labels, ever ===== */
.btn { position: relative; overflow: hidden; display: inline-flex; align-items: center; justify-content: center; gap: 9px; padding: 15px 28px; border-radius: 100px; font-weight: 700; font-size: 0.92rem; letter-spacing: 0.01em; transition: transform .25s ease, box-shadow .25s ease, background .25s ease, border-color .25s ease, color .25s ease; cursor: pointer; border: 1px solid transparent; white-space: nowrap; }
.btn::after { content: ''; position: absolute; top: 0; left: -120%; width: 55%; height: 100%; background: linear-gradient(115deg, transparent, rgba(255,255,255,0.55), transparent); transform: skewX(-20deg); pointer-events: none; }
.btn:hover::after { animation: btn-shine .85s ease; }
@keyframes btn-shine { from { left: -120%; } to { left: 130%; } }
/* Touch devices don't get :hover — give buttons and cards a quick tap
   response instead so animations still read as "alive" on mobile. */
.btn:active { transform: scale(0.96); }
.tilt-card:active, .program-card:active, .why-card:active, .social-card:active, .credential:active { transform: scale(0.97); transition: transform .15s ease; }
.btn-primary { background: linear-gradient(120deg, var(--blue-3), var(--blue-2) 65%); border: none; background-clip: border-box; color: #04122c; box-shadow: 0 14px 30px -12px var(--glow); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 38px -12px var(--glow); }
.btn-outline { border: 1px solid var(--border); color: var(--ink); }
.btn-outline:hover { border-color: var(--blue-2); color: var(--blue-2); }
.btn-white { background: #fff; border: none; color: var(--blue-1); }
.btn-white:hover { transform: translateY(-2px); }
.btn-block { width: 100%; }
.btn-lg { padding: 18px 36px; font-size: 1rem; }
.btn-sm { padding: 11px 19px; font-size: 0.82rem; }

/* ===== Nav =====
   Default state is "very translucent" everywhere (frosted glass over
   whatever content is beneath). On pages with a photo hero (index.html),
   JS adds .nav--hero-transparent while scrolled near the top so the nav
   goes fully see-through against the hero photo, with light/white text —
   then crossfades to the translucent frosted look + theme-ink text once
   scrolled past the hero. */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.34);
  backdrop-filter: blur(18px) saturate(1.4);
  -webkit-backdrop-filter: blur(18px) saturate(1.4);
  border-bottom: 1px solid transparent;
  transition: background .35s ease, border-color .35s ease, backdrop-filter .35s ease;
  padding: 16px 0;
}
:root[data-theme="dark"] .nav { background: rgba(6,14,28,0.34); }
.nav.is-scrolled { border-color: var(--border); background: rgba(255,255,255,0.85); }
:root[data-theme="dark"] .nav.is-scrolled { background: rgba(6,14,28,0.85); }
.nav.nav--hero-transparent { background: transparent; backdrop-filter: none; -webkit-backdrop-filter: none; border-bottom-color: transparent; }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.nav-logo { display: flex; flex-direction: column; line-height: 1; font-family: var(--font-head); font-weight: 700; font-size: 1.02rem; letter-spacing: 0.01em; color: var(--ink); transition: color .3s ease; }
.nav-logo span { display: block; font-size: 0.58rem; letter-spacing: 0.14em; color: var(--blue-2); font-weight: 700; text-transform: uppercase; margin-top: 4px; white-space: nowrap; transition: color .3s ease; }
@media (max-width: 480px) { .nav-logo span { display: none; } }
.nav-links { display: none; align-items: center; gap: 28px; font-size: 0.9rem; font-weight: 500; color: var(--ink-soft); transition: color .3s ease; }
.nav-links a:hover { color: var(--blue-2); }
.nav--hero-transparent .nav-logo { color: #fff; text-shadow: 0 1px 6px rgba(0,0,0,0.45); }
.nav--hero-transparent .nav-logo span { color: var(--blue-3); text-shadow: 0 1px 6px rgba(0,0,0,0.45); }
.nav--hero-transparent .nav-links { color: rgba(255,255,255,0.9); text-shadow: 0 1px 6px rgba(0,0,0,0.45); }
.nav--hero-transparent .nav-links a:hover { color: var(--blue-3); }
.nav-right { display: flex; align-items: center; gap: 10px; }
.icon-toggle { width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; cursor: pointer; background: var(--surface); color: var(--ink-soft); transition: border-color .25s ease, transform .25s ease; flex-shrink: 0; }
.icon-toggle:hover { border-color: var(--blue-2); transform: translateY(-1px); }
.lang-toggle-btn { font-family: var(--font-head); font-weight: 700; font-size: 11.5px; letter-spacing: 0.02em; }
.theme-toggle-btn svg { width: 16px; height: 16px; }
.theme-toggle-btn .icon-sun { display: none; }
.theme-toggle-btn .icon-moon { display: block; }
:root[data-theme="dark"] .theme-toggle-btn .icon-sun { display: block; }
:root[data-theme="dark"] .theme-toggle-btn .icon-moon { display: none; }
.nav-toggle { display: flex; width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--border); align-items: center; justify-content: center; cursor: pointer; background: var(--surface); color: var(--ink); flex-shrink: 0; }
@media (min-width: 900px) { .nav-links { display: flex; } .nav-toggle { display: none; } }
/* Below 900px the nav bar only has room for the logo + hamburger — the
   lang/theme toggles and CTA already live in the mobile dropdown, so hide
   the duplicates here rather than letting the nav bar overflow the page. */
@media (max-width: 640px) {
  .nav-right > .lang-toggle-btn, .nav-right > .theme-toggle-btn, .nav-right > .btn-primary { display: none; }
}
.nav-mobile-cta { display: none; margin-top: 14px; text-align: center; }
@media (max-width: 640px) { .nav-mobile-cta { display: inline-flex; } }
/* Compact translucent dropdown card (not a full-screen takeover) —
   rounded corners, blurred glass background, floating below the nav bar. */
.nav-mobile {
  position: fixed; top: 70px; right: 14px; left: 14px; z-index: 99;
  max-height: calc(100vh - 96px); overflow-y: auto;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(24px) saturate(1.6);
  -webkit-backdrop-filter: blur(24px) saturate(1.6);
  border: 1px solid var(--border);
  border-radius: 22px;
  box-shadow: var(--shadow);
  display: flex; flex-direction: column; padding: 8px 18px 10px; gap: 0;
  transform: translateY(-10px) scale(0.98);
  opacity: 0; visibility: hidden;
  transition: transform .25s cubic-bezier(.2,.8,.2,1), opacity .25s ease, visibility 0s linear .25s;
}
:root[data-theme="dark"] .nav-mobile { background: rgba(6,14,28,0.94); }
.nav-mobile.is-open { transform: translateY(0) scale(1); opacity: 1; visibility: visible; transition: transform .25s cubic-bezier(.2,.8,.2,1), opacity .25s ease, visibility 0s linear 0s; }
.nav-mobile-toggles { display: flex; gap: 10px; padding: 12px 0 14px; margin-bottom: 4px; border-bottom: 1px solid var(--border); }
.nav-mobile a { font-family: var(--font-head); font-size: 1.05rem; font-weight: 600; padding: 14px 2px; border-bottom: 1px solid var(--border); color: var(--ink); }
.nav-mobile a:last-of-type { border-bottom: none; }
@media (min-width: 900px) { .nav-mobile { display: none; } }

/* ===== Hero ===== */
.hero { position: relative; min-height: 100vh; display: flex; align-items: center; padding: 128px 0 64px; overflow: hidden; }
.hero-bg-scene { position: absolute; inset: 0; z-index: 0; background-image: url('assets/home.jpg'); background-size: cover; background-position: center 38%; }
.hero-bg-overlay { position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(100deg, rgba(4,12,26,0.94) 6%, rgba(6,16,34,0.82) 34%, rgba(8,22,44,0.5) 62%, rgba(10,28,54,0.22) 84%),
    linear-gradient(0deg, rgba(3,9,20,0.72) 0%, rgba(3,9,20,0.1) 42%, transparent 70%);
}
.hero .wrap { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr; gap: 46px; align-items: center; }
@media (min-width: 980px) { .hero .wrap { grid-template-columns: 1.05fr 0.95fr; } }
.glow { position: absolute; border-radius: 50%; filter: blur(60px); pointer-events: none; z-index: 1; background: radial-gradient(circle, rgba(111,168,255,0.28) 0%, rgba(0,0,0,0) 70%); }
.hero-glow-1 { top: -160px; right: -120px; width: 460px; height: 460px; }
.hero-glow-2 { bottom: -180px; left: -140px; width: 420px; height: 420px; background: radial-gradient(circle, rgba(26,95,214,0.22) 0%, rgba(0,0,0,0) 70%); }

.eyebrow { display: inline-flex; align-items: center; gap: 9px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.13em; text-transform: uppercase; color: #dceaff; padding: 8px 16px 8px 12px; border-radius: 100px; border: 1px solid rgba(255,255,255,0.28); background: rgba(255,255,255,0.08); backdrop-filter: blur(6px); margin-bottom: 22px; }
.eyebrow::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--blue-3); box-shadow: 0 0 10px var(--blue-3); animation: pulse-dot 2s ease-in-out infinite; flex-shrink: 0; }
@keyframes pulse-dot { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: .55; transform: scale(1.3); } }
.hero-copy h1 { font-size: clamp(2.4rem, 5vw, 3.9rem); color: #fff; margin-bottom: 22px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .1s both; }
.hero-copy .eyebrow { animation: hero-in .7s cubic-bezier(.2,.7,.2,1) both; }
.hero-copy .lede { font-size: 1.08rem; line-height: 1.65; color: rgba(255,255,255,0.85); margin-bottom: 32px; max-width: 520px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .2s both; }
@keyframes hero-in { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 40px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .3s both; }
.hero-actions .btn-outline { border-color: rgba(255,255,255,0.35); color: #fff; }
.hero-actions .btn-outline:hover { border-color: var(--blue-3); color: var(--blue-3); }
.hero-stats { display: flex; flex-wrap: wrap; gap: 34px; margin-bottom: 26px; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .4s both; }
.hero-stat b { display: block; font-family: var(--font-head); font-size: 1.9rem; font-weight: 700; color: #fff; }
.hero-stat span { display: block; font-size: 0.76rem; color: rgba(255,255,255,0.62); margin-top: 3px; letter-spacing: 0.01em; }
.hero-license { font-size: 0.72rem; color: rgba(255,255,255,0.5); letter-spacing: 0.02em; animation: hero-in .8s cubic-bezier(.2,.7,.2,1) .5s both; }

.hero-visual { position: relative; display: flex; justify-content: center; }
@media (max-width: 979px) {
  .hero-visual { order: -1; margin-bottom: 8px; }
  .hero-copy { text-align: center; }
  .hero-copy .lede { margin-left: auto; margin-right: auto; }
  .hero-actions, .hero-stats { justify-content: center; }
  .hero-stat { text-align: center; }
}
.hero-photo-card { position: relative; width: min(320px, 78vw); animation: card-float 6s ease-in-out infinite, hero-in 1s cubic-bezier(.2,.7,.2,1) .3s both; }
@keyframes card-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.hero-photo-glow { position: absolute; inset: -10%; z-index: 0; background: radial-gradient(ellipse at 50% 30%, rgba(111,168,255,0.35), transparent 65%); filter: blur(20px); }
.hero-photo-inner { position: relative; z-index: 1; transition: transform .2s ease-out; }
.hero-photo { width: 100%; display: block; filter: drop-shadow(0 30px 50px rgba(0,0,0,0.55)); }
.hero-photo-info { margin-top: -34px; padding: 18px 20px 16px; border-radius: 18px; background: rgba(8,18,36,0.72); backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.14); }
.hero-photo-name { font-family: var(--font-head); font-weight: 600; font-size: 17px; color: #fff; }
.hero-photo-title { font-size: 12px; color: var(--blue-3); letter-spacing: 0.03em; margin-top: 4px; }
.hero-photo-rating { margin-top: 8px; display: flex; align-items: center; gap: 7px; font-size: 12px; color: rgba(255,255,255,0.7); }
.hero-photo-rating .stars { color: var(--blue-3); letter-spacing: 0.03em; font-size: 12px; }
.hero-pill { position: absolute; display: flex; flex-direction: row-reverse; align-items: center; gap: 10px; padding: 11px 12px 11px 16px; border-radius: 14px; background: rgba(10,22,42,0.55); backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.18); box-shadow: 0 14px 30px -14px rgba(0,0,0,0.5); animation: pill-float 5s ease-in-out infinite; z-index: 2; }
.hero-pill > div { text-align: right; }
@keyframes pill-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
.hero-pill-icon { position: relative; width: 30px; height: 30px; border-radius: 9px; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; flex-shrink: 0; }
.hero-pill-icon svg { position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); display: block; }
.hero-pill b { display: block; font-family: var(--font-head); font-size: 12.5px; font-weight: 600; color: #fff; }
.hero-pill span { display: block; font-size: 10.5px; color: rgba(255,255,255,0.6); margin-top: 1px; }
.hero-pill-top { top: -18px; right: 6px; animation-delay: -1s; }
.hero-pill-bottom { bottom: 120px; left: -22px; animation-delay: -3.2s; }
@media (max-width: 640px) { .hero-pill-bottom { left: 4px; } }
@media (max-width: 480px) {
  .hero-pill { padding: 7px 9px 7px 11px; gap: 6px; border-radius: 11px; }
  .hero-pill-icon { width: 22px; height: 22px; border-radius: 6px; }
  .hero-pill-icon svg { width: 12px; height: 12px; }
  .hero-pill b { font-size: 10px; }
  .hero-pill span { font-size: 8.5px; }
  .hero-pill-top { top: -10px; right: 0; }
  .hero-pill-bottom { bottom: 92px; left: 0; }
}

/* ===== City ticker =====
   Fixed dark/navy strip in both themes (not theme-reactive) — the whole
   band is dark like it naturally is in dark theme, not just the chips. */
.ticker-wrap { width: 100%; max-width: 100vw; padding: 20px 0; background: #060e1c; border-bottom: 1px solid #1c2e4c; overflow: hidden; contain: layout paint; }
.ticker-track { display: flex; gap: 12px; width: max-content; animation: ticker-scroll 32s linear infinite; will-change: transform; }
@media (prefers-reduced-motion: reduce) { .ticker-track { animation: none; } }
.ticker-chip { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border-radius: 100px; background: #102340; border: 1px solid #1c2e4c; font-size: 0.8rem; font-weight: 600; color: #b7c6e2; white-space: nowrap; }
.ticker-chip svg { width: 13px; height: 13px; color: #6fa8ff; }
@keyframes ticker-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ===== Section shared ===== */
.section-head { max-width: 620px; margin-bottom: 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.9rem, 3.4vw, 2.5rem); margin: 14px 0 16px; }
.section-head p { color: var(--ink-muted); line-height: 1.65; font-size: 1.01rem; }
.eyebrow-mini { display: inline-flex; align-items: center; gap: 8px; font-size: 0.72rem; letter-spacing: 0.13em; font-weight: 700; text-transform: uppercase; color: var(--blue-2); padding: 8px 16px; border-radius: 100px; background: var(--surface-2); border: 1px solid var(--border); }
.eyebrow-mini::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--blue-2); box-shadow: 0 0 8px var(--glow); }
section.tight { padding: 90px 0; }
section:not(.tight):not(.hero) { padding: 108px 0; }
@media (max-width: 760px) { section.tight { padding: 66px 0; } section:not(.tight):not(.hero) { padding: 76px 0; } }
.bg-soft { background: var(--bg-soft); }

/* ===== Tilt cards ===== */
.tilt-card { transition: transform .2s ease; }

/* ===== Why choose us =====
   The stats band is always dark navy (both themes) — a direct continuation
   of the dark ticker strip above it, so there's no white gap between hero
   and the numbers. The pillar cards below sit in a separate, normal
   section. */
.why-stats-section {
  position: relative; overflow: hidden; padding: 84px 0 68px;
  background: linear-gradient(165deg, var(--blue-1), #03204f);
}
.why-stats-section::before { content: ''; position: absolute; inset: 0; z-index: 0; background-image: radial-gradient(ellipse 640px 420px at 88% -8%, rgba(111,168,255,0.22), transparent 65%); pointer-events: none; }
.why-stats-section .wrap { position: relative; z-index: 1; }
.why-stats-section .eyebrow-mini { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.25); color: var(--blue-3); }
.why-stats-section .eyebrow-mini::before { background: var(--blue-3); }
.why-stats-section .section-head h2 { color: #fff; }
.why-stats-section .section-head p { color: rgba(255,255,255,0.72); }
.why-section { overflow: hidden; }
.why-section .wrap { position: relative; z-index: 1; }

/* Always navy-blue, in both themes — a deliberate fixed accent panel,
   not a theme-reactive surface. */
.stat-strip { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: rgba(255,255,255,0.14); border-radius: var(--radius); overflow: hidden; border: 1px solid rgba(255,255,255,0.16); }
@media (min-width: 760px) { .stat-strip { grid-template-columns: repeat(4, 1fr); } }
.stat-cell { background: rgba(255,255,255,0.06); backdrop-filter: blur(6px); padding: 26px 16px; text-align: center; }
.stat-cell b { display: block; font-family: var(--font-head); font-size: 2.1rem; font-weight: 700; color: #fff; }
.stat-cell span { font-size: 12px; color: rgba(255,255,255,0.68); letter-spacing: 0.01em; }
@media (max-width: 480px) { .stat-cell { padding: 20px 10px; } .stat-cell b { font-size: 1.7rem; } .stat-cell span { font-size: 11px; } }

.why-grid { display: grid; grid-template-columns: 1fr; gap: 24px; }
@media (min-width: 640px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .why-grid { grid-template-columns: repeat(4, 1fr); } }
/* Each card's photo is chosen to fit its theme: a handshake for Integrity,
   paperwork being written/explained for Transparency, a door opening for
   Education (unlocking understanding), and a round-the-clock city for
   Responsiveness. */
.why-card { position: relative; border-radius: var(--radius); padding: 30px 24px; overflow: hidden; isolation: isolate; min-height: 220px; display: flex; flex-direction: column; justify-content: flex-end; transition: transform .3s ease, box-shadow .3s ease; }
.why-card::before { content: ''; position: absolute; inset: 0; z-index: 0; background-size: cover; background-position: center; transform: scale(1.05); transition: transform .5s ease; }
.why-card::after { content: ''; position: absolute; inset: 0; z-index: 0; background: linear-gradient(180deg, rgba(4,10,22,0.45) 0%, rgba(4,10,22,0.88) 100%); }
.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.why-card:hover::before { transform: scale(1.12); }
.why-card:nth-child(1)::before { background-image: url('assets/handshake.jpg'); }
.why-card:nth-child(2)::before { background-image: url('assets/mortgage-planning.jpg'); }
.why-card:nth-child(3)::before { background-image: url('assets/why-education.jpg'); }
.why-card:nth-child(4)::before { background-image: url('assets/why-responsiveness.jpg'); }
.why-card > * { position: relative; z-index: 1; }
.why-num { display: inline-flex; align-items: center; justify-content: center; width: 38px; height: 38px; border-radius: 11px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.28); backdrop-filter: blur(6px); font-family: var(--font-head); font-weight: 700; font-size: 13px; color: var(--blue-3); margin-bottom: 18px; transition: box-shadow .3s ease; }
.why-card:hover .why-num { box-shadow: 0 0 0 6px rgba(111,168,255,0.2); }
.why-card h3 { font-size: 17px; margin-bottom: 8px; color: #fff; }
.why-card p { font-size: 13.5px; color: rgba(255,255,255,0.78); line-height: 1.55; }

/* ===== About ===== */
.about-wrap { display: grid; grid-template-columns: 1fr; gap: 52px; align-items: center; }
@media (min-width: 940px) { .about-wrap { grid-template-columns: 0.85fr 1.15fr; } }
.about-visual { position: relative; margin-bottom: 36px; }
@media (min-width: 940px) { .about-visual { margin-bottom: 0; } }
.about-visual img { width: 100%; border-radius: 22px; border: 1px solid var(--border); box-shadow: var(--shadow); aspect-ratio: 4/3; object-fit: cover; }
.about-visual-badge { position: absolute; bottom: -20px; left: -18px; z-index: 2; background: linear-gradient(135deg, var(--blue-1), #03204f); color: #fff; padding: 16px 20px; border-radius: 14px; box-shadow: var(--shadow); }
.about-visual-badge b { display: block; font-family: var(--font-head); font-size: 19px; font-weight: 700; color: var(--blue-3); }
.about-visual-badge span { display: block; font-size: 10.5px; color: rgba(255,255,255,0.65); letter-spacing: 0.02em; margin-top: 2px; }
@media (max-width: 520px) { .about-visual-badge { left: 10px; bottom: -16px; padding: 12px 16px; } }
.about-intro p { margin-top: 16px; color: var(--ink-muted); line-height: 1.75; }
.social-icons { display: flex; gap: 12px; margin-top: 24px; }
.social-icon { width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--ink-muted); transition: border-color .2s ease, color .2s ease, transform .2s ease; }
.social-icon:hover { border-color: var(--blue-2); color: var(--blue-2); transform: translateY(-2px); }
.about-credentials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px; }
@media (max-width: 760px) { .about-credentials { grid-template-columns: 1fr; } }
.credential { position: relative; background: var(--surface); border: 1px solid var(--border); border-radius: 14px; padding: 22px 20px; overflow: hidden; }
.credential .num { display: block; font-family: var(--font-head); color: var(--blue-2); font-weight: 700; font-size: 14px; margin-bottom: 14px; }
.credential h4 { font-size: 14.5px; margin-bottom: 8px; }
.credential p { font-size: 13px; color: var(--ink-faint); line-height: 1.6; }

/* ===== Leads / qualify CTA ===== */
.leads-panel {
  position: relative; border-radius: 26px; padding: 56px 40px; overflow: hidden;
  text-align: center;
  background:
    linear-gradient(160deg, rgba(10,47,110,0.88), rgba(3,32,79,0.94)),
    url('assets/downtown-night.jpg');
  background-size: cover; background-position: center;
}
:root[data-theme="dark"] .leads-panel {
  background:
    linear-gradient(160deg, rgba(77,141,255,0.88), rgba(3,32,79,0.94)),
    url('assets/downtown-night.jpg');
  background-size: cover; background-position: center;
}
.leads-panel::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(ellipse 520px 320px at 50% -10%, rgba(111,168,255,0.28), transparent 60%); pointer-events: none; }
.leads-panel .eyebrow { position: relative; z-index: 1; }
.leads-panel h2 { position: relative; z-index: 1; color: #fff; max-width: 620px; margin-left: auto; margin-right: auto; }
.leads-panel p { position: relative; z-index: 1; color: rgba(255,255,255,0.75); margin-top: 16px; max-width: 560px; margin-left: auto; margin-right: auto; line-height: 1.7; font-size: 1.02rem; }
.leads-pills { position: relative; z-index: 1; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 26px; }
.leads-pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 100px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.18); font-size: 13px; font-weight: 600; color: #fff; }
.leads-pill svg { color: var(--blue-3); flex-shrink: 0; }
.leads-panel .btn { position: relative; z-index: 1; margin-top: 32px; }
@media (max-width: 620px) { .leads-panel { padding: 44px 26px; } }

/* ===== Loan programs =====
   Full-bleed, clearly-visible background photo with glassmorphism cards
   floating on top (translucent + blurred) rather than opaque white boxes
   hiding the photo. */
.programs-section { position: relative; padding-top: 108px; padding-bottom: 108px; }
.section-photo-bg { position: absolute; inset: 0; z-index: 0; background-image: url('assets/section-home.jpg'); background-size: cover; background-position: center; opacity: 0.55; pointer-events: none; }
:root[data-theme="dark"] .section-photo-bg { opacity: 0.4; }
.section-photo-fade { position: absolute; inset: 0; z-index: 0; background: linear-gradient(180deg, var(--bg) 0%, rgba(255,255,255,0.55) 14%, rgba(255,255,255,0.55) 86%, var(--bg) 100%); pointer-events: none; }
:root[data-theme="dark"] .section-photo-fade { background: linear-gradient(180deg, var(--bg) 0%, rgba(6,14,28,0.55) 14%, rgba(6,14,28,0.55) 86%, var(--bg) 100%); }
.programs-section .wrap { position: relative; z-index: 1; }
.programs-section .section-head p { color: var(--ink-soft); }
.programs-grid { display: grid; grid-template-columns: 1fr; gap: 22px; }
@media (min-width: 720px) { .programs-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .programs-grid { grid-template-columns: repeat(3, 1fr); } }
.program-card {
  position: relative; border-radius: var(--radius); padding: 30px 26px;
  background: rgba(255,255,255,0.46);
  border: 1px solid rgba(255,255,255,0.5);
  backdrop-filter: blur(16px) saturate(1.5);
  -webkit-backdrop-filter: blur(16px) saturate(1.5);
  box-shadow: 0 8px 32px -12px rgba(4,12,26,0.25);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease, background .3s ease;
}
:root[data-theme="dark"] .program-card { background: rgba(13,26,46,0.42); border-color: rgba(255,255,255,0.12); }
.program-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-2); background: rgba(255,255,255,0.68); }
:root[data-theme="dark"] .program-card:hover { background: rgba(13,26,46,0.62); }
.program-icon { width: 46px; height: 46px; border-radius: 13px; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); display: flex; align-items: center; justify-content: center; color: #04122c; margin-bottom: 20px; box-shadow: 0 8px 20px -6px var(--glow); transition: transform .4s cubic-bezier(.34,1.56,.64,1); }
.program-card:hover .program-icon { transform: rotate(-8deg) scale(1.08); }
.program-card h3 { font-size: 17px; margin-bottom: 10px; }
.program-card p { font-size: 14px; color: var(--ink-soft); line-height: 1.65; }

/* ===== Process deck — scroll-driven blur-reveal card stack =====
   A tall spacer (.process-scroll) holds a sticky-pinned deck (.process-pin).
   As the user scrolls through the spacer's height, script.js maps scroll
   progress to a card index and re-renders each card's stack position —
   no button required, and once the spacer is fully scrolled the sticky
   element releases on its own, so normal page scroll continues naturally
   into whatever section follows. */
.process-scroll { position: relative; height: 380vh; }
@media (max-width: 700px) { .process-scroll { height: 320vh; } }
.process-pin { position: sticky; top: 0; height: 100vh; display: flex; flex-direction: column; align-items: center; justify-content: center; overflow: hidden; }
.process-deck { position: relative; width: min(560px, 88vw); height: min(460px, 62vh); perspective: 1200px; }
.process-card {
  position: absolute; inset: 0; box-sizing: border-box;
  border-radius: 24px; border: 1px solid var(--border); background: var(--surface);
  box-shadow: var(--shadow); padding: clamp(26px, 4vw, 40px);
  transform-origin: top center;
  transition: transform .7s cubic-bezier(.22,.61,.36,1), opacity .7s cubic-bezier(.22,.61,.36,1);
}
.process-card[data-pos="active"] { transform: translateY(0) scale(1); opacity: 1; z-index: 5; }
.process-card[data-pos="next1"] { transform: translateY(16px) scale(0.95); opacity: 0.55; z-index: 4; }
.process-card[data-pos="next2"] { transform: translateY(30px) scale(0.9); opacity: 0.28; z-index: 3; }
.process-card[data-pos="hidden-ahead"] { transform: translateY(42px) scale(0.86); opacity: 0; z-index: 2; }
.process-card[data-pos="passed"] { transform: translateY(120%) rotate(6deg) scale(0.96); opacity: 0; z-index: 1; transition: transform .4s cubic-bezier(.4,0,.7,1), opacity .34s ease-out; }
.process-card-top { display: flex; align-items: center; gap: 14px; position: relative; z-index: 1; }
.process-badge { flex-shrink: 0; width: 44px; height: 44px; border-radius: 13px; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; display: flex; align-items: center; justify-content: center; box-shadow: 0 10px 22px -8px var(--glow); }
.process-badge svg { width: 20px; height: 20px; }
.process-bar { height: 6px; width: 32px; border-radius: 100px; background: var(--blue-2); transform: scaleX(0); transform-origin: left center; transition: transform .55s cubic-bezier(.33,1,.68,1) .05s; }
.process-card[data-pos="active"] .process-bar { transform: scaleX(1); }
.process-card h3 { position: relative; z-index: 1; margin: 22px 0 10px; font-size: clamp(1.1rem, 2.2vw, 1.35rem); }
.process-card p { position: relative; z-index: 1; color: var(--ink-muted); line-height: 1.6; font-size: 0.96rem; }
.process-steps { position: relative; z-index: 1; list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 9px; }
.process-steps li { display: flex; align-items: center; gap: 9px; font-size: 0.86rem; color: var(--ink-soft); opacity: 0; transform: translateX(-6px); transition: opacity .4s ease, transform .4s ease; }
.process-steps li svg { flex-shrink: 0; width: 15px; height: 15px; color: var(--blue-2); }
.process-card[data-pos="active"] .process-steps li { opacity: 1; transform: translateX(0); }
.process-card[data-pos="active"] .process-steps li:nth-child(1) { transition-delay: .28s; }
.process-card[data-pos="active"] .process-steps li:nth-child(2) { transition-delay: .38s; }
.process-card[data-pos="active"] .process-steps li:nth-child(3) { transition-delay: .48s; }

/* Animated rotating-glow border — a "cooler" accent on the active process
   card, and looped continuously around the pre-qualification card in
   Get In Touch so it keeps drawing the eye toward that CTA. Uses the
   two-layer gradient-border technique (padding-box fill + border-box
   gradient) instead of mask-composite, which renders unreliably. */
@property --ring-angle { syntax: '<angle>'; inherits: false; initial-value: 0deg; }
.process-card[data-pos="active"],
.funnel-embed {
  border: 2px solid transparent;
  background:
    linear-gradient(var(--surface), var(--surface)) padding-box,
    conic-gradient(from var(--ring-angle), var(--border), var(--blue-2) 25%, var(--blue-3) 45%, var(--border) 65%) border-box;
  animation: glow-ring-spin 4s linear infinite;
}
@keyframes glow-ring-spin { to { --ring-angle: 360deg; } }
@media (prefers-reduced-motion: reduce) { .process-card[data-pos="active"], .funnel-embed, .referral-panel { animation: none; } }
.process-word { display: inline-block; filter: blur(8px); opacity: 0; transform: translateY(10px); transition: filter .35s cubic-bezier(.22,.61,.36,1), opacity .35s cubic-bezier(.22,.61,.36,1), transform .35s cubic-bezier(.22,.61,.36,1); }
.process-card[data-pos="active"] .process-word { filter: blur(0); opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) { .process-word { transition: opacity .2s ease; filter: none !important; transform: none !important; } }
.process-dots { display: flex; gap: 9px; margin-top: 26px; }
.process-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--border); border: none; padding: 0; cursor: pointer; transition: transform .5s cubic-bezier(.22,.61,.36,1), background-color .5s; }
.process-dot.is-active { background: var(--blue-2); transform: scale(1.35); }
.process-hint { position: absolute; bottom: 18px; display: flex; flex-direction: column; align-items: center; gap: 4px; color: var(--ink-faint); font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; font-weight: 700; opacity: 1; transition: opacity .3s ease; animation: process-hint-bob 1.8s ease-in-out infinite; }
.process-hint.is-hidden { opacity: 0; pointer-events: none; }
@keyframes process-hint-bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(5px); } }
@media (prefers-reduced-motion: reduce) { .process-hint { animation: none; } }

/* ===== Calculator teaser ===== */
.calc-teaser { display: grid; grid-template-columns: 1fr; gap: 40px; align-items: center; background: var(--surface); border: 1px solid var(--border); border-radius: 26px; padding: 48px 40px; box-shadow: var(--shadow); }
@media (min-width: 860px) { .calc-teaser { grid-template-columns: 1.1fr 0.9fr; padding: 52px; } }
.calc-teaser-copy h2 { font-size: clamp(1.7rem, 3vw, 2.2rem); margin-bottom: 14px; }
.calc-teaser-copy p { color: var(--ink-muted); line-height: 1.7; margin-bottom: 26px; max-width: 460px; }
.calc-preview { background: linear-gradient(160deg, var(--blue-1), #03204f); border-radius: 20px; padding: 32px 28px; color: #fff; position: relative; overflow: hidden; }
.calc-preview::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 320px 220px at 85% -10%, rgba(111,168,255,0.3), transparent 65%); pointer-events: none; }
.calc-preview-label { position: relative; font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.6); font-weight: 700; margin-bottom: 10px; }
.calc-preview-amount { position: relative; font-family: var(--font-head); font-size: 2.1rem; font-weight: 700; }
.calc-preview-sub { position: relative; font-size: 0.82rem; color: rgba(255,255,255,0.6); margin-top: 6px; }
.calc-preview-icon { position: relative; width: 44px; height: 44px; border-radius: 12px; background: rgba(255,255,255,0.12); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }

/* ===== Referral =====
   One unified panel (grid of steps + divider + CTA bar), matching the
   Jean Darius referral layout. Icon animation is deliberately different
   from that reference: a staggered pop-in on scroll-reveal, then a
   lift + glow on hover, instead of a hover-only rotate. */
.referral-section { overflow: hidden; }
.referral-panel {
  position: relative; overflow: hidden; border-radius: 26px; padding: 52px 48px 48px;
  border: 2px solid transparent;
  background:
    linear-gradient(160deg, var(--surface), var(--bg-soft)) padding-box,
    conic-gradient(from var(--ring-angle), var(--border), var(--blue-2) 25%, var(--blue-3) 45%, var(--border) 65%) border-box;
  animation: glow-ring-spin 4s linear infinite;
}
.referral-panel::before { content: ''; position: absolute; top: -140px; right: -110px; z-index: 0; width: 340px; height: 340px; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, var(--glow) 0%, rgba(0,0,0,0) 72%); }
.referral-panel::after { content: ''; position: absolute; bottom: -160px; left: -120px; z-index: 0; width: 320px; height: 320px; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, rgba(26,95,214,0.1) 0%, rgba(0,0,0,0) 72%); }
.referral-panel > * { position: relative; z-index: 1; }

.referral-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
@media (max-width: 700px) { .referral-grid { grid-template-columns: 1fr; gap: 36px; } }
.referral-step { text-align: center; padding: 4px; }
.referral-step-icon {
  width: 54px; height: 54px; margin: 0 auto 20px; border-radius: 15px;
  background: var(--surface-2); border: 1px solid var(--border); color: var(--blue-2);
  display: flex; align-items: center; justify-content: center;
  transition: transform .4s cubic-bezier(.22,.9,.4,1.2), box-shadow .35s ease, background-color .35s ease;
}
.referral-step:hover .referral-step-icon { transform: translateY(-5px) scale(1.1); box-shadow: 0 14px 26px -10px var(--glow); background: var(--surface); }
.referral-step .step-num { font-family: var(--font-head); font-size: 11.5px; font-weight: 700; letter-spacing: 0.1em; color: var(--ink-faint); margin-bottom: 10px; }
.referral-step h3 { font-size: 16px; margin-bottom: 10px; }
.referral-step p { font-size: 14px; color: var(--ink-muted); max-width: 250px; margin: 0 auto; line-height: 1.6; }

/* pop-in entrance, staggered per step, replacing Jean's hover-only rotate */
.js-reveal .referral-step-icon { transform: scale(0.4) rotate(-16deg); opacity: 0; }
.js-reveal .referral-section.is-visible .referral-step-icon { animation: referral-icon-pop .6s cubic-bezier(.22,1.4,.36,1) forwards; }
.js-reveal .referral-section.is-visible .referral-grid > :nth-child(2) .referral-step-icon { animation-delay: .12s; }
.js-reveal .referral-section.is-visible .referral-grid > :nth-child(3) .referral-step-icon { animation-delay: .24s; }
@keyframes referral-icon-pop { 0% { transform: scale(0.4) rotate(-16deg); opacity: 0; } 60% { transform: scale(1.15) rotate(6deg); opacity: 1; } 100% { transform: scale(1) rotate(0); opacity: 1; } }
@media (prefers-reduced-motion: reduce) { .js-reveal .referral-step-icon, .js-reveal .referral-section.is-visible .referral-step-icon { animation: none; transform: none; opacity: 1; } }

.referral-divider { height: 1px; background: var(--border); margin: 44px 0 34px; }

.referral-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; background: linear-gradient(135deg, var(--blue-1), #03204f); border-radius: 18px; padding: 30px 34px; }
.referral-cta-left { display: flex; gap: 16px; align-items: flex-start; max-width: 480px; }
.referral-cta-icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(255,255,255,0.12); display: flex; align-items: center; justify-content: center; color: var(--blue-3); flex-shrink: 0; }
.referral-cta-left strong { display: block; font-family: var(--font-head); font-size: 17px; font-weight: 700; color: #fff; margin-bottom: 8px; }
.referral-cta-left p { font-size: 14px; color: rgba(255,255,255,0.75); line-height: 1.6; }
.referral-cta-buttons { display: flex; gap: 12px; flex-wrap: wrap; }
.referral-cta .btn-outline { border-color: rgba(255,255,255,0.35); color: #fff; }
.referral-cta .btn-outline:hover { border-color: var(--blue-3); color: var(--blue-3); }

@media (max-width: 700px) {
  .referral-panel { padding: 40px 26px; }
  .referral-cta { align-items: flex-start; }
  .referral-cta-buttons { width: 100%; }
  .referral-cta-buttons .btn { flex: 1; }
}
@media (max-width: 480px) { .referral-cta-buttons { flex-direction: column; } .referral-cta-buttons .btn { width: 100%; } }

/* ===== Social follow ===== */
.social-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.social-grid > :last-child:nth-child(odd) { grid-column: span 2; max-width: calc(50% - 8px); margin: 0 auto; }
@media (min-width: 760px) { .social-grid { grid-template-columns: repeat(5, 1fr); gap: 20px; } .social-grid > :last-child:nth-child(odd) { grid-column: auto; max-width: none; margin: 0; } }
.social-card {
  position: relative; overflow: hidden; display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: 12px; padding: 30px 18px; border-radius: 18px; background: var(--surface); border: 1px solid var(--border);
  transition: transform .4s cubic-bezier(.22,.9,.4,1.2), border-color .35s ease, box-shadow .35s ease;
}
.social-card:hover { transform: translateY(-8px) scale(1.03); border-color: var(--blue-2); box-shadow: 0 20px 36px -18px var(--glow); }
.social-card::before { content: ''; position: absolute; inset: 0; z-index: 0; background: radial-gradient(circle at 50% -10%, var(--glow), transparent 65%); opacity: 0; transition: opacity .4s ease; }
.social-card:hover::before { opacity: 1; }
.social-card > * { position: relative; z-index: 1; }
.social-card .icon-wrap { width: 48px; height: 48px; border-radius: 13px; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; display: flex; align-items: center; justify-content: center; box-shadow: 0 10px 22px -8px var(--glow); transition: transform .5s cubic-bezier(.34,1.7,.5,1), box-shadow .35s ease; }
.social-card:hover .icon-wrap { transform: rotate(-12deg) scale(1.2); }
.social-card strong { font-size: 1rem; color: var(--ink); }
.social-card span { font-size: 0.85rem; color: var(--ink-muted); }
.social-card .go { margin-top: 2px; display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 0.8rem; font-weight: 700; color: var(--blue-2); }

/* ===== Contact ===== */
.contact-info-col .eyebrow-mini { margin-bottom: 6px; }
.contact-info { display: grid; gap: 22px; align-content: start; margin-top: 32px; }
.contact-row { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 38px; height: 38px; border-radius: 11px; background: var(--surface-2); border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--blue-2); flex-shrink: 0; }
.contact-row h4 { font-size: 14.5px; margin-bottom: 4px; }
.contact-row p, .contact-row a { font-size: 14px; color: var(--ink-muted); }
.contact-row a:hover { color: var(--blue-2); }
.contact-form { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); }
@media (max-width: 560px) { .contact-form { padding: 30px 24px; } }
.contact-form.funnel-embed { text-align: center; }
.funnel-embed .eyebrow-mini { white-space: nowrap; }
.funnel-embed h3 { margin-top: 18px; font-size: 22px; line-height: 1.3; }
.funnel-embed > p { margin-top: 10px; color: var(--ink-muted); font-size: 14px; line-height: 1.6; }
.funnel-embed .field { width: 100%; margin-top: 26px; margin-bottom: 0; text-align: center; }
.funnel-embed .field input { text-align: center; }
.funnel-embed .btn { width: 100%; margin-top: 16px; }
.funnel-embed-note { margin-top: 16px; font-size: 12.5px; color: var(--ink-faint); }

.contact-wrap { display: grid; grid-template-columns: 1fr; gap: 44px; }
@media (min-width: 940px) { .contact-wrap { grid-template-columns: 0.9fr 1.1fr; } }

/* ===== Form fields (shared: contact / calculator / funnel) ===== */
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 0.72rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 8px; font-weight: 700; }
.field input, .field select, .field textarea { width: 100%; padding: 13px 15px; border-radius: 10px; border: 1px solid var(--border); background: var(--bg-soft); color: var(--ink); font-family: var(--font-body); font-size: 0.92rem; transition: border-color .2s ease; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue-2); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; } }

/* ===== Footer ===== */
.site-footer { padding: 60px 0 34px; border-top: 1px solid var(--border); }
.footer-top { display: grid; grid-template-columns: 1fr; gap: 38px; margin-bottom: 40px; }
@media (min-width: 760px) { .footer-top { grid-template-columns: 1.1fr 0.7fr 0.7fr 0.7fr; } }
.footer-brand p { color: var(--ink-muted); font-size: 0.88rem; line-height: 1.6; max-width: 320px; margin-top: 14px; }
.footer-links { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; grid-column: span 3; }
@media (min-width: 760px) { .footer-links { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 759px) { .footer-links { grid-column: span 1; grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 480px) { .footer-links { grid-template-columns: 1fr 1fr; } }
.footer-col h4 { font-size: 0.74rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 16px; }
.footer-col a, .footer-col p { display: block; color: var(--ink-muted); font-size: 0.9rem; margin-bottom: 11px; }
.footer-col a:hover { color: var(--blue-2); }
.footer-bottom { display: flex; flex-direction: column; gap: 10px; padding-top: 26px; border-top: 1px solid var(--border); font-size: 0.76rem; color: var(--ink-faint); line-height: 1.6; }
@media (min-width: 900px) { .footer-bottom { flex-direction: row; justify-content: space-between; align-items: flex-end; gap: 30px; } }

/* ===== Chat widget ===== */
.cw { position: fixed; right: 22px; bottom: 22px; z-index: 500; font-family: var(--font-body); }
.cw-launcher { position: relative; width: 58px; height: 58px; border-radius: 50%; border: 2px solid var(--blue-2); background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow); transition: transform .2s ease; color: #04122c; }
.cw-launcher:hover { transform: scale(1.06); }
.cw-launcher-icon { width: 26px; height: 26px; }
.cw-launcher-avatar { display: none; font-family: var(--font-head); font-weight: 700; font-size: 14px; }
.cw-launcher-ping { position: absolute; top: -3px; right: -3px; width: 15px; height: 15px; border-radius: 50%; background: #22c55e; border: 2.5px solid var(--bg); }
.cw-launcher-ping::after { content: ''; position: absolute; inset: 0; border-radius: 50%; background: #22c55e; animation: cw-ping 2.2s ease-out infinite; }
.cw.open .cw-launcher-ping { display: none; }
@keyframes cw-ping { 0% { transform: scale(1); opacity: .9; } 100% { transform: scale(2.2); opacity: 0; } }
.cw-panel { position: absolute; right: 0; bottom: 74px; width: 366px; max-width: calc(100vw - 32px); max-height: min(560px, 70vh); background: var(--surface); border: 1px solid var(--border); border-radius: 20px; box-shadow: var(--shadow); display: flex; flex-direction: column; overflow: hidden; opacity: 0; transform: translateY(12px) scale(.98); pointer-events: none; transition: opacity .22s ease, transform .22s ease; }
.cw.open .cw-panel { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.cw-head { display: flex; align-items: center; gap: 11px; padding: 16px 16px 14px; border-bottom: 1px solid var(--border); }
.cw-avatar { width: 36px; height: 36px; border-radius: 50%; flex: none; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-weight: 700; font-size: 13px; }
.cw-head-text { flex: 1; min-width: 0; }
.cw-head-text strong { display: block; font-family: var(--font-head); font-size: 14.5px; font-weight: 600; color: var(--ink); }
.cw-status { display: flex; align-items: center; gap: 5px; font-size: 11.5px; color: var(--ink-muted); text-transform: uppercase; letter-spacing: .03em; }
.cw-dot { width: 6px; height: 6px; border-radius: 50%; background: #22c55e; display: inline-block; }
.cw-close { background: none; border: none; color: var(--ink-muted); font-size: 20px; line-height: 1; cursor: pointer; padding: 4px; }
.cw-body { flex: 1; overflow-y: auto; padding: 14px 16px; display: flex; flex-direction: column; gap: 10px; min-height: 120px; }
.cw-msg { display: flex; }
.cw-msg-bot { justify-content: flex-start; }
.cw-msg-user { justify-content: flex-end; }
.cw-bubble { max-width: 84%; padding: 10px 13px; border-radius: 14px; font-size: 13.5px; line-height: 1.55; white-space: pre-line; }
.cw-msg-bot .cw-bubble { background: var(--bg-soft); color: var(--ink); border-bottom-left-radius: 4px; }
.cw-msg-user .cw-bubble { background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; border-bottom-right-radius: 4px; }
.cw-typing { display: flex; gap: 4px; padding: 10px 13px; background: var(--bg-soft); border-radius: 14px; border-bottom-left-radius: 4px; width: fit-content; }
.cw-typing span { width: 6px; height: 6px; border-radius: 50%; background: var(--ink-muted); opacity: .5; animation: cwTyping 1s infinite ease-in-out; }
.cw-typing span:nth-child(2) { animation-delay: .15s; }
.cw-typing span:nth-child(3) { animation-delay: .3s; }
@keyframes cwTyping { 0%, 60%, 100% { opacity: .35; transform: translateY(0); } 30% { opacity: 1; transform: translateY(-3px); } }
.cw-chips { display: flex; flex-wrap: wrap; gap: 7px; padding: 0 16px 12px; }
.cw-chip { background: var(--bg-soft); border: 1px solid var(--border); color: var(--ink-soft); font-size: 12px; padding: 7px 11px; border-radius: 100px; cursor: pointer; transition: background .15s ease, color .15s ease; }
.cw-chip:hover { background: var(--blue-2); color: #04122c; border-color: var(--blue-2); }
.cw-inputrow { display: flex; gap: 8px; padding: 12px 16px; border-top: 1px solid var(--border); }
.cw-input { flex: 1; border: 1px solid var(--border); background: var(--bg-soft); color: var(--ink); border-radius: 100px; padding: 10px 14px; font-size: 13.5px; font-family: var(--font-body); outline: none; }
.cw-input:focus { border-color: var(--blue-2); }
.cw-send { width: 38px; height: 38px; border-radius: 50%; border: none; flex: none; cursor: pointer; background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); color: #04122c; display: flex; align-items: center; justify-content: center; }
.cw-foot { padding: 11px 16px; border-top: 1px solid var(--border); text-align: center; }
.cw-foot a { display: inline-flex; align-items: center; gap: 6px; font-size: 12.5px; color: var(--ink-muted); }
@media (max-width: 560px) { .cw { right: 14px; bottom: 14px; } .cw-panel { position: fixed; right: 10px; left: 10px; bottom: 86px; width: auto; max-height: min(72vh, 560px); } }

/* ===== Page header (calculator / funnel exit style pages) ===== */
.page-header { padding: 150px 0 60px; position: relative; overflow: hidden; text-align: center; }
.page-header-back { position: absolute; top: 96px; left: 28px; display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; color: var(--ink-muted); z-index: 2; }
.page-header-back:hover { color: var(--blue-2); }
@media (min-width: 1180px) { .page-header-back { left: calc(50% - 562px); } }
.page-header h1 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); margin: 14px auto 16px; max-width: 700px; }
.page-header p { color: var(--ink-muted); max-width: 560px; margin-left: auto; margin-right: auto; line-height: 1.65; }

/* ===== Calculator page ===== */
.calc-panel { display: grid; grid-template-columns: 1fr; background: var(--surface); border: 1px solid var(--border); border-radius: 24px; overflow: hidden; box-shadow: var(--shadow); }
@media (min-width: 940px) { .calc-panel { grid-template-columns: 1fr 1fr; } }
.calc-form { padding: 44px; }
@media (max-width: 560px) { .calc-form { padding: 30px 26px; } }
.calc-result { background: linear-gradient(160deg, var(--blue-1), #03204f); padding: 44px; color: #fff; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
@media (max-width: 560px) { .calc-result { padding: 32px 26px; } }
.calc-result::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 360px 260px at 90% -10%, rgba(111,168,255,0.3), transparent 65%); pointer-events: none; }
.result-label { position: relative; font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.6); font-weight: 700; margin-bottom: 10px; }
.result-amount { position: relative; font-family: var(--font-head); font-size: 2.4rem; font-weight: 700; margin-bottom: 6px; }
.result-sub { position: relative; font-size: 0.82rem; color: rgba(255,255,255,0.6); margin-bottom: 26px; }
.result-breakdown { position: relative; }
.result-row { display: flex; justify-content: space-between; padding: 13px 0; border-top: 1px solid rgba(255,255,255,0.15); font-size: 0.87rem; color: rgba(255,255,255,0.78); }
.result-row b { color: #fff; }

/* ===== Funnel pages ===== */
.funnel-body { min-height: 100vh; display: flex; flex-direction: column; background: var(--bg); position: relative; overflow-x: hidden; }
.funnel-bg-glow { position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none; z-index: 0; }
.funnel-bg-glow-1 { top: -220px; left: -180px; width: 520px; height: 520px; background: radial-gradient(circle, var(--glow) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-1 19s ease-in-out infinite; }
.funnel-bg-glow-2 { bottom: -240px; right: -200px; width: 580px; height: 580px; background: radial-gradient(circle, rgba(26,95,214,0.14) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-2 23s ease-in-out infinite; }
.funnel-bg-glow-3 { top: 45%; left: 50%; width: 380px; height: 380px; background: radial-gradient(circle, rgba(111,168,255,0.1) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-3 27s ease-in-out infinite; }
@keyframes funnel-drift-1 { 0%, 100% { transform: translate(0,0); } 50% { transform: translate(60px, 40px); } }
@keyframes funnel-drift-2 { 0%, 100% { transform: translate(0,0); } 50% { transform: translate(-50px, -30px); } }
@keyframes funnel-drift-3 { 0%, 100% { transform: translate(-50%,-50%) scale(1); } 50% { transform: translate(-50%,-50%) scale(1.15); } }
@media (prefers-reduced-motion: reduce) { .funnel-bg-glow-1, .funnel-bg-glow-2, .funnel-bg-glow-3 { animation: none; } }
.funnel-nav, .funnel-wrap { position: relative; z-index: 1; }
.funnel-nav { padding: 22px 0; }
.funnel-nav .wrap { display: flex; align-items: center; justify-content: space-between; }
.funnel-nav-right { display: flex; align-items: center; gap: 14px; }
.funnel-exit { font-size: 13px; font-weight: 700; color: var(--ink-muted); display: inline-flex; align-items: center; gap: 6px; }
.funnel-exit:hover { color: var(--blue-2); }
.funnel-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; max-width: 620px; margin: 0 auto; width: 100%; padding: 20px 24px 90px; }
.funnel-progress { width: 100%; height: 4px; background: var(--border); border-radius: 4px; overflow: hidden; margin-bottom: 14px; }
.funnel-progress-bar { height: 100%; width: 16.66%; background: linear-gradient(90deg, var(--blue-3), var(--blue-2)); border-radius: 4px; transition: width .4s cubic-bezier(.2,.8,.2,1); }
.funnel-step-label { font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 34px; }
.funnel-card { position: relative; width: 100%; min-height: 360px; }
.funnel-step { display: none; animation: funnel-in .45s cubic-bezier(.2,.8,.2,1) both; }
.funnel-step.is-active { display: block; }
@keyframes funnel-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
@media (prefers-reduced-motion: reduce) { .funnel-step { animation: none; } }
.funnel-step .eyebrow-mini { margin-bottom: 18px; }
.funnel-step h2 { font-size: clamp(1.5rem, 3.4vw, 2rem); margin-bottom: 0; }
.funnel-sub { margin-top: 12px; color: var(--ink-muted); font-size: 15px; line-height: 1.6; }
.funnel-step .field { margin-top: 24px; }
.funnel-step .btn { margin-top: 28px; }
.funnel-choices { display: grid; gap: 12px; margin-top: 28px; }
.funnel-choice { text-align: left; padding: 18px 20px; border-radius: 14px; border: 1px solid var(--border); background: var(--surface); color: var(--ink); font-size: 15px; font-weight: 600; cursor: pointer; transition: border-color .2s ease, transform .2s ease, background .2s ease; }
.funnel-choice:hover { border-color: var(--blue-2); transform: translateX(3px); }
.funnel-choice.is-selected { border-color: var(--blue-2); background: var(--surface-2); color: var(--blue-2); }
.funnel-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 26px; }
.funnel-chip { padding: 11px 18px; border-radius: 100px; border: 1px solid var(--border); background: var(--surface); color: var(--ink-soft); font-size: 14px; font-weight: 600; cursor: pointer; transition: border-color .2s ease, background .2s ease, color .2s ease; }
.funnel-chip:hover { border-color: var(--blue-2); }
.funnel-chip.is-selected { border-color: var(--blue-2); background: linear-gradient(90deg, var(--blue-3), var(--blue-2)); color: #04122c; }
.funnel-back { margin-top: 20px; display: inline-flex; align-items: center; gap: 6px; background: none; border: none; color: var(--ink-faint); font-size: 13px; font-weight: 700; cursor: pointer; }
.funnel-back:hover { color: var(--ink-soft); }
.funnel-step-final { text-align: center; }
.funnel-success { max-width: 480px; margin: 0 auto 32px; }
.funnel-success-icon { width: 58px; height: 58px; border-radius: 50%; background: var(--surface-2); border: 1px solid var(--blue-2); color: var(--blue-2); display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; }
.funnel-step-final .funnel-sub { max-width: 420px; margin-left: auto; margin-right: auto; }
.funnel-note { margin-top: 20px; font-size: 13px; color: var(--ink-faint); }
.funnel-note a { color: var(--blue-2); }
@media (max-width: 560px) { .funnel-wrap { padding: 14px 18px 80px; } .funnel-choice { padding: 16px 18px; font-size: 15px; } }