/* ============================================================
   HERO MORTGAGE GROUP — Heritage Americana Design System
   Colors, type, spacing, and components.
   ============================================================ */

:root {
  /* Brand colors */
  --navy:       #1B365D;
  --navy-deep:  #14274A;
  --burgundy:   #A82029;
  --burgundy-d: #8A1A22;
  --brass:      #B08D57;
  --brass-soft: #C9A878;
  --charcoal:   #565756;
  --charcoal-d: #3A3A39;
  --parchment:  #F7F4EE;
  --parchment-d:#EBE5D6;
  --ink:        #1B1B1A;
  --white:      #FFFFFF;

  /* Type */
  --f-display: 'Cinzel', 'Trajan Pro', 'Times New Roman', serif;
  --f-head:    'Montserrat', 'Gotham', 'Helvetica Neue', Arial, sans-serif;
  --f-body:    'Inter', 'Source Sans Pro', system-ui, -apple-system, sans-serif;

  /* Rhythm */
  --container: 1240px;
  --gutter: clamp(20px, 4vw, 56px);
  --section-y: clamp(56px, 9vw, 140px); /* tightened mobile minimum to reduce excess whitespace */

  /* Motion */
  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Base reset ---------- */
*,*::before,*::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--f-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--charcoal-d);
  background: var(--parchment);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden; /* belt-and-suspenders: no horizontal scroll on any page */
}
img, svg { display: block; max-width: 100%; height: auto; }

/* Grid-item safety: any direct child of these layout grids respects parent width */
.layout-2col > *, .calc > *, .perks > *, .hero__grid > *,
.testimonials > *, .reviews-grid > *, .edu-grid > *,
.about > *, .values > * { min-width: 0; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }

::selection { background: var(--brass); color: var(--navy); }

/* ---------- Type scale ---------- */
.eyebrow {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass);
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.eyebrow::before, .eyebrow::after {
  content: "";
  width: 28px; height: 1px; background: currentColor; opacity: .55;
}
.eyebrow.single::before { display: none; }

h1, h2, h3, h4 { font-family: var(--f-head); font-weight: 800; line-height: 1.05; letter-spacing: -.01em; margin: 0; color: var(--navy); }
.display-1 {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(40px, 6.6vw, 88px);
  line-height: .98;
  letter-spacing: -.015em;
  text-transform: uppercase;
}
.display-2 { font-size: clamp(32px, 4.4vw, 56px); text-transform: uppercase; letter-spacing: -.005em; }
.display-3 { font-size: clamp(24px, 2.6vw, 34px); text-transform: uppercase; letter-spacing: .005em; }

.serif {
  font-family: var(--f-display);
  font-weight: 500;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.serif-italic { font-family: var(--f-display); font-style: italic; font-weight: 400; text-transform: none; letter-spacing: .01em; }

.lede {
  font-size: clamp(17px, 1.4vw, 19px);
  line-height: 1.7;
  color: var(--charcoal);
  max-width: 62ch;
}

p { margin: 0 0 1em; }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding-inline: var(--gutter);
}
.section { padding-block: var(--section-y); position: relative; }
.section--navy   { background: var(--navy); color: var(--parchment); }
.section--ink    { background: var(--navy-deep); color: var(--parchment); }
.section--parch  { background: var(--parchment); }
.section--cream  { background: var(--parchment-d); }
.section--charcoal{ background: var(--charcoal-d); color: var(--parchment); }

.section--navy h1, .section--navy h2, .section--navy h3,
.section--ink h1, .section--ink h2, .section--ink h3,
.section--charcoal h1, .section--charcoal h2, .section--charcoal h3 {
  color: var(--parchment);
}
.section--navy .eyebrow, .section--ink .eyebrow, .section--charcoal .eyebrow { color: var(--brass-soft); }

/* Linen texture overlay for hero / dark sections */
.linen {
  position: relative;
  background-image:
    radial-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    radial-gradient(rgba(0,0,0,.18) 1px, transparent 1px);
  background-size: 4px 4px, 7px 7px;
  background-position: 0 0, 2px 3px;
}
.linen::before {
  content: "";
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(0,0,0,.25), rgba(0,0,0,0) 35%, rgba(0,0,0,.35)),
    repeating-linear-gradient(90deg, rgba(255,255,255,.018) 0 1px, transparent 1px 3px);
  pointer-events: none;
}
.linen > * { position: relative; z-index: 1; }

/* Brass hairline divider */
.rule {
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--brass) 20%, var(--brass) 80%, transparent);
  border: 0;
  margin: 0;
}
.rule--short { width: 64px; height: 2px; background: var(--brass); margin: 28px 0; border: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 10px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .18em;
  text-transform: uppercase;
  padding: 18px 28px;
  border-radius: 2px;
  transition: transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), box-shadow .25s var(--ease);
  border: 1px solid transparent;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }

.btn--primary {
  background: var(--burgundy);
  color: var(--parchment);
  box-shadow: 0 1px 0 rgba(0,0,0,.2), inset 0 1px 0 rgba(255,255,255,.08);
}
.btn--primary:hover { background: var(--burgundy-d); }

.btn--ghost {
  color: var(--parchment);
  border-color: var(--brass);
  background: transparent;
}
.btn--ghost:hover { background: var(--brass); color: var(--navy); }

.btn--ink {
  background: var(--navy);
  color: var(--parchment);
}
.btn--ink:hover { background: var(--navy-deep); }

.btn--link {
  padding: 0;
  font-size: 13px;
  letter-spacing: .22em;
  color: var(--brass);
  border-bottom: 1px solid var(--brass);
  border-radius: 0;
}
.btn--link:hover { color: var(--burgundy); border-color: var(--burgundy); }

.btn .arrow { width: 14px; height: 10px; transition: transform .25s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }

/* ---------- Navigation ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247,244,238,.96);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid rgba(176,141,87,.25);
}
.nav__inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 86px;
  gap: 32px;
}
.brand {
  display: flex; align-items: center; gap: 14px;
  color: var(--navy);
}
.brand__mark {
  width: 52px; height: 52px;
  flex: 0 0 52px;
  object-fit: contain;
}
.brand__name {
  display: flex; flex-direction: column;
  line-height: 1;
}
.brand__name .top {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 16px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--navy);
}
.brand__name .bot {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 11px;
  letter-spacing: .42em;
  text-transform: uppercase;
  color: var(--brass);
  margin-top: 4px;
}

.nav__menu { display: flex; align-items: center; gap: 34px; }
.nav__menu a {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--charcoal-d);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.nav__menu a:hover { color: var(--burgundy); }
.nav__menu a.active { color: var(--navy); border-bottom-color: var(--brass); }

.nav__cta { display: flex; align-items: center; gap: 18px; }
.nav__phone {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: .04em;
  color: var(--navy);
  display: inline-flex; align-items: center; gap: 8px;
}
.nav__phone svg { width: 16px; height: 16px; color: var(--brass); }

.nav__burger { display: none; }

@media (max-width: 960px) {
  .nav__menu, .nav__phone { display: none; }
  .nav__burger {
    display: inline-flex; align-items: center; justify-content: center;
    width: 44px; height: 44px; color: var(--navy);
    flex: 0 0 44px;
  }
  .nav__burger svg { width: 24px; height: 24px; }
  .nav.open .nav__menu {
    display: flex; flex-direction: column; align-items: flex-start;
    position: absolute; top: 76px; left: 0; right: 0;
    background: var(--parchment);
    padding: 20px var(--gutter) 28px;
    border-bottom: 1px solid var(--brass);
    gap: 18px;
  }
}

/* ---------- Mobile nav refinements (small screens) ---------- */
@media (max-width: 720px) {
  .nav__inner { height: 76px; gap: 12px; }
  .brand { gap: 10px; min-width: 0; }
  .brand__mark { width: 42px; height: 42px; flex: 0 0 42px; }
  .brand__name { min-width: 0; }
  .brand__name .top { font-size: 14px; letter-spacing: .18em; white-space: nowrap; }
  .brand__name .bot { display: none; }
  .nav__cta { gap: 10px; }
}

/* Compact apply button + ensure burger visible on phones */
@media (max-width: 720px) {
  .nav__cta .btn--primary { padding: 11px 14px; font-size: 11px; letter-spacing: .1em; }
  .nav__cta .btn--primary .arrow { display: none; }
}
@media (max-width: 540px) {
  .brand__name .top { font-size: 13px; letter-spacing: .12em; }
  .nav__cta .btn--primary { padding: 10px 12px; font-size: 10.5px; letter-spacing: .08em; }
}

/* On the smallest phones, hide the Apply Now button entirely so brand + burger
   have room to breathe. The burger menu still gives access to Apply via nav. */
@media (max-width: 430px) {
  .nav__cta .btn--primary { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  background: var(--navy);
  color: var(--parchment);
  position: relative;
  overflow: hidden;
  padding-block: clamp(90px, 11vw, 170px) clamp(80px, 9vw, 140px);
}
.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(80% 60% at 18% 25%, rgba(176,141,87,.18), transparent 60%),
    radial-gradient(60% 50% at 90% 80%, rgba(168,32,41,.22), transparent 65%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
}
.hero__bg::after {
  content: "";
  position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(45deg, rgba(255,255,255,.025) 0 1px, transparent 1px 6px),
    repeating-linear-gradient(-45deg, rgba(0,0,0,.06) 0 1px, transparent 1px 6px);
  mix-blend-mode: overlay;
  opacity: .8;
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.hero__copy { max-width: 720px; }
.hero h1 {
  color: var(--parchment);
  margin-top: 22px;
}
.hero h1 .accent { color: var(--brass); }
.hero h1 .ser { font-family: var(--f-display); font-weight: 500; text-transform: none; letter-spacing: .01em; font-style: italic; color: var(--parchment); }
.hero__sub {
  font-family: var(--f-display);
  font-weight: 500;
  font-style: italic;
  letter-spacing: .02em;
  font-size: clamp(18px, 1.7vw, 22px);
  color: var(--brass-soft);
  margin-top: 24px;
  max-width: 56ch;
  line-height: 1.5;
}
.hero__ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 38px; }
.hero__trust {
  margin-top: 44px;
  display: flex; align-items: center; gap: 22px; flex-wrap: wrap;
  color: rgba(247,244,238,.7);
  font-size: 13px;
}
.hero__trust .dot { width: 4px; height: 4px; border-radius: 50%; background: var(--brass); }

.hero__badge {
  justify-self: end;
  position: relative;
  display: flex; align-items: center; justify-content: center;
}
@media (max-width: 880px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__badge { justify-self: start; }
}

/* Heritage badge */
.badge {
  width: clamp(240px, 30vw, 340px);
  aspect-ratio: 1 / 1;
  color: var(--brass);
}
.badge-real {
  width: clamp(260px, 32vw, 380px);
  aspect-ratio: 1 / 1;
  position: relative;
  padding: 22px;
  border-radius: 50%;
  background: radial-gradient(circle at 50% 45%, rgba(176,141,87,.10) 0%, rgba(0,0,0,0) 65%);
}
.badge-real::before, .badge-real::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 50%;
  pointer-events: none;
  border: 1px solid var(--brass);
}
.badge-real::after {
  inset: 12px;
  border-color: rgba(176,141,87,.45);
  border-width: 1px;
}
.badge-real img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  filter: drop-shadow(0 12px 32px rgba(0,0,0,.45));
}

/* Firefighter-owned chip */
.chip {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 10px 16px;
  border: 1px solid rgba(176,141,87,.5);
  border-radius: 999px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass-soft);
  background: rgba(0,0,0,.18);
}
.chip svg { width: 14px; height: 14px; color: var(--burgundy); }

/* ---------- Stat strip ---------- */
.stats {
  background: var(--navy-deep);
  color: var(--parchment);
  border-top: 1px solid rgba(176,141,87,.25);
  border-bottom: 1px solid rgba(176,141,87,.25);
}
.stats__row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat {
  padding: 38px 28px;
  border-right: 1px solid rgba(176,141,87,.18);
  text-align: left;
}
.stat:last-child { border-right: 0; }
.stat__num {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(34px, 3.4vw, 48px);
  color: var(--brass);
  line-height: 1;
  letter-spacing: -.01em;
}
.stat__num sup { font-size: .55em; color: var(--brass-soft); font-weight: 700; margin-left: 2px; vertical-align: top; }
.stat__label {
  margin-top: 12px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: rgba(247,244,238,.75);
}
@media (max-width: 760px) {
  .stats__row { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid rgba(176,141,87,.18); }
}

/* ---------- Section heads ---------- */
.head {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: end;
  margin-bottom: 64px;
}
.head__title h2 { margin-top: 18px; }
.head__copy { color: var(--charcoal); font-size: 16.5px; line-height: 1.75; }
.section--navy .head__copy, .section--ink .head__copy, .section--charcoal .head__copy { color: rgba(247,244,238,.78); }
@media (max-width: 820px) {
  .head { grid-template-columns: 1fr; gap: 24px; text-align: center; }
  .head__title { display: flex; flex-direction: column; align-items: center; }
  .head__copy { max-width: 56ch; margin-inline: auto; }
}

/* ---------- Perks (3 columns) ---------- */
.perks {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.perk {
  background: var(--parchment);
  color: var(--charcoal-d);
  padding: 44px 36px;
  border: 1px solid rgba(176,141,87,.35);
  position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.section--navy .perk, .section--ink .perk { background: rgba(247,244,238,.04); color: var(--parchment); border-color: rgba(176,141,87,.4); }
.perk::before {
  content: "";
  position: absolute; top: 0; left: 0;
  width: 64px; height: 2px; background: var(--brass);
}
.perk:hover { transform: translateY(-4px); border-color: var(--brass); }
.perk__icon { width: 48px; height: 48px; color: var(--brass); margin-bottom: 24px; }
.perk h3 {
  font-size: 22px; letter-spacing: .04em; text-transform: uppercase; color: inherit;
  margin-bottom: 14px;
}
.perk p { color: inherit; opacity: .85; margin: 0; line-height: 1.7; }
@media (max-width: 880px) { .perks { grid-template-columns: 1fr; } }

/* ---------- Services grid (4 × 2) ---------- */
.services {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(176,141,87,.3);
}
.service {
  padding: 36px 28px;
  border-right: 1px solid rgba(176,141,87,.3);
  border-bottom: 1px solid rgba(176,141,87,.3);
  background: var(--parchment);
  transition: background .25s var(--ease);
  display: flex; flex-direction: column; gap: 16px;
}
.service:hover { background: var(--parchment-d); }
/* Reset all border rules then re-apply for 4-col */
.service:nth-child(4n) { border-right: 0; }
.service:nth-last-child(-n+4) { border-bottom: 0; }
.service h3 { font-size: 18px; }
.service p { font-size: 14.5px; line-height: 1.6; }

@media (max-width: 1100px) {
  .services { grid-template-columns: repeat(2, 1fr); }
  .service { border-right: 1px solid rgba(176,141,87,.3); border-bottom: 1px solid rgba(176,141,87,.3); }
  .service:nth-child(4n) { border-right: 1px solid rgba(176,141,87,.3); }
  .service:nth-last-child(-n+4) { border-bottom: 1px solid rgba(176,141,87,.3); }
  .service:nth-child(2n) { border-right: 0; }
  .service:nth-last-child(-n+2) { border-bottom: 0; }
}
.service__icon { width: 40px; height: 40px; color: var(--burgundy); }
.service h3 {
  font-size: 20px; letter-spacing: .03em; text-transform: uppercase;
}
.service p { color: var(--charcoal); font-size: 15.5px; margin: 0; }
.service .more {
  margin-top: 6px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brass);
  display: inline-flex; align-items: center; gap: 8px;
}
.service .more::after { content: "→"; transition: transform .25s var(--ease); }
.service:hover .more::after { transform: translateX(4px); }
@media (max-width: 680px) {
  .services { grid-template-columns: 1fr; }
  .service { border-right: 0; border-bottom: 1px solid rgba(176,141,87,.3); }
  .service:last-child { border-bottom: 0; }
}

/* ---------- States-grid (used on Heroes & DPA page) ---------- */
.states-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid rgba(176,141,87,.3);
  background: var(--parchment);
}
.state-card {
  padding: 28px 26px;
  border-right: 1px solid rgba(176,141,87,.3);
  border-bottom: 1px solid rgba(176,141,87,.3);
  display: flex; flex-direction: column; gap: 10px;
  position: relative;
}
.state-card:nth-child(3n) { border-right: 0; }
.state-card:nth-last-child(-n+3) { border-bottom: 0; }
.state-card__abbr {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 28px;
  letter-spacing: .04em;
  color: var(--brass);
  line-height: 1;
}
.state-card__name {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--charcoal);
  margin-top: -4px;
}
.state-card__programs {
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--charcoal-d);
  margin: 6px 0 0;
}
.state-card__programs strong {
  display: block;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 13px;
  color: var(--navy);
  letter-spacing: .005em;
  margin-bottom: 2px;
}
@media (max-width: 900px) {
  .states-grid { grid-template-columns: repeat(2, 1fr); }
  .state-card:nth-child(3n) { border-right: 1px solid rgba(176,141,87,.3); }
  .state-card:nth-child(2n) { border-right: 0; }
  .state-card:nth-last-child(-n+3) { border-bottom: 1px solid rgba(176,141,87,.3); }
  .state-card:nth-last-child(-n+2) { border-bottom: 0; }
}
@media (max-width: 580px) {
  .states-grid { grid-template-columns: 1fr; }
  .state-card { border-right: 0; border-bottom: 1px solid rgba(176,141,87,.3); }
  .state-card:last-child { border-bottom: 0; }
}

/* Featured home-state callout */
.home-state {
  background: var(--navy);
  color: var(--parchment);
  padding: clamp(36px, 5vw, 56px);
  border: 1px solid var(--brass);
  position: relative;
  margin-bottom: 56px;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 40px;
  align-items: start;
}
.home-state::before {
  content: "HOME STATE · FEATURED";
  position: absolute; top: 18px; left: 28px;
  font-family: var(--f-head); font-weight: 700;
  font-size: 10px; letter-spacing: .32em;
  color: var(--brass);
}
.home-state__title {
  font-family: var(--f-head); font-weight: 800;
  font-size: clamp(28px, 3vw, 38px); line-height: 1.05;
  letter-spacing: -.005em; text-transform: uppercase;
  color: var(--parchment); margin-top: 22px;
}
.home-state__sub {
  font-family: var(--f-display); font-style: italic;
  color: var(--brass-soft); font-size: 16px;
  margin-top: 12px;
}
.home-state__list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 14px;
}
.home-state__list li {
  padding-left: 22px; position: relative;
  font-size: 15px; line-height: 1.55;
  color: rgba(247,244,238,.85);
}
.home-state__list li::before {
  content: ""; position: absolute; left: 0; top: 8px;
  width: 12px; height: 2px; background: var(--brass);
}
.home-state__list strong { color: var(--parchment); display: block; font-family: var(--f-head); font-weight: 700; font-size: 13px; letter-spacing: .04em; }
@media (max-width: 880px) { .home-state { grid-template-columns: 1fr; } }

/* ---------- Service grid: feature tile (spans all 3 cols) ---------- */
.service--feature {
  grid-column: 1 / -1;
  background: var(--navy);
  color: var(--parchment);
  border-right: 0;
  border-bottom: 0;
  border-top: 1px solid var(--brass);
  padding: 48px clamp(28px, 4vw, 48px);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: clamp(24px, 4vw, 48px);
  position: relative;
}
.service--feature::before {
  content: "FEATURED PROGRAM";
  position: absolute;
  top: 14px; left: 28px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10px;
  letter-spacing: .32em;
  color: var(--brass);
}
.service--feature:hover { background: var(--navy-deep); }
.service--feature .service__icon { color: var(--brass); width: 56px; height: 56px; }
.service--feature h3 { color: var(--parchment); font-size: 26px; margin-top: 8px; }
.service--feature p {
  color: rgba(247,244,238,.78);
  font-size: 15.5px;
  max-width: 64ch;
  margin: 0;
}
.service--feature .feature__sublist {
  list-style: none; padding: 0; margin: 14px 0 0;
  display: flex; flex-wrap: wrap; gap: 8px 14px;
}
.service--feature .feature__sublist li {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--brass-soft);
  padding: 6px 12px;
  border: 1px solid rgba(176,141,87,.45);
}
.service--feature .feature__cta {
  display: flex; flex-direction: column; align-items: flex-end; gap: 8px;
}
.service--feature .more {
  color: var(--brass);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .22em;
  text-transform: uppercase;
  white-space: nowrap;
  display: inline-flex; align-items: center; gap: 8px;
}
.service--feature:hover .more { color: var(--brass-soft); }
.service--feature .more::after { content: "→"; transition: transform .25s var(--ease); }
.service--feature:hover .more::after { transform: translateX(4px); }
@media (max-width: 880px) {
  .service--feature {
    grid-template-columns: 1fr;
    text-align: left;
    border-bottom: 0 !important;
  }
  .service--feature .feature__cta { align-items: flex-start; }
}

/* ---------- Promise / commitments list ---------- */
.promises {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px 40px;
  list-style: none;
  padding: 0; margin: 0;
}
.promises li {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 18px 0;
  border-bottom: 1px solid rgba(176,141,87,.22);
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 14.5px;
  letter-spacing: .04em;
  color: var(--parchment);
}
.promises li svg { width: 18px; height: 18px; color: var(--brass); flex: 0 0 18px; margin-top: 3px; }
@media (max-width: 880px) { .promises { grid-template-columns: 1fr; } }

/* ---------- Testimonials ---------- */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.tcard {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.3);
  padding: 40px 32px;
  display: flex; flex-direction: column; gap: 20px;
  position: relative;
}
.tcard::before {
  content: "";
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px; background: var(--burgundy);
}
.tcard__stars { display: flex; gap: 4px; color: var(--brass); }
.tcard__stars svg { width: 18px; height: 18px; }
.tcard blockquote {
  margin: 0;
  font-family: var(--f-display);
  font-weight: 500;
  font-style: italic;
  font-size: 18px;
  line-height: 1.55;
  color: var(--charcoal-d);
  letter-spacing: .005em;
}
.tcard__cite {
  margin-top: auto;
  display: flex; flex-direction: column; gap: 4px;
  padding-top: 16px;
  border-top: 1px solid rgba(176,141,87,.3);
}
.tcard__name {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--burgundy);
}
.tcard__meta {
  font-family: var(--f-head);
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--charcoal);
}
@media (max-width: 980px) { .testimonials { grid-template-columns: 1fr; } }

/* ---------- About teaser / portrait block ---------- */
.about {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.about__media {
  position: relative;
  aspect-ratio: 4 / 5;
  background:
    linear-gradient(135deg, rgba(20,39,74,.6), rgba(168,32,41,.5)),
    radial-gradient(circle at 30% 20%, var(--charcoal) 0%, var(--charcoal-d) 100%);
  border: 1px solid var(--brass);
}
.about__media::after {
  content: "";
  position: absolute; inset: 12px;
  border: 1px solid rgba(176,141,87,.45);
  pointer-events: none;
}
.about__plate {
  position: absolute;
  bottom: -24px; right: -24px;
  background: var(--parchment);
  border: 1px solid var(--brass);
  padding: 22px 26px;
  max-width: 280px;
  font-family: var(--f-display);
  font-style: italic;
  font-size: 15px;
  line-height: 1.5;
  color: var(--navy);
}
.about__plate strong {
  display: block;
  font-family: var(--f-head);
  font-weight: 700;
  font-style: normal;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--burgundy);
  margin-bottom: 8px;
}
.about h2 { margin-bottom: 28px; }
.about__quote {
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(20px, 2vw, 26px);
  line-height: 1.45;
  color: var(--navy);
  padding-left: 22px;
  border-left: 2px solid var(--brass);
  margin: 30px 0;
}
@media (max-width: 900px) {
  .about { grid-template-columns: 1fr; text-align: center; }
  .about__quote { padding-left: 0; padding-top: 18px; border-left: 0; border-top: 2px solid var(--brass); text-align: center; }
  .about__plate { text-align: center; }
}

/* ---------- Big CTA band ---------- */
.cta-band {
  background: var(--burgundy);
  color: var(--parchment);
  padding-block: clamp(60px, 7vw, 100px);
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute; inset: 0;
  background:
    repeating-linear-gradient(135deg, rgba(0,0,0,.06) 0 2px, transparent 2px 14px),
    linear-gradient(180deg, rgba(0,0,0,0), rgba(0,0,0,.2));
  pointer-events: none;
}
.cta-band__inner {
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 40px;
  align-items: center;
  position: relative; z-index: 1;
}
.cta-band h2 { color: var(--parchment); font-size: clamp(28px, 3.5vw, 44px); text-transform: uppercase; letter-spacing: -.005em; }
.cta-band p { color: rgba(247,244,238,.85); margin: 14px 0 0; max-width: 56ch; }
.cta-band .btn--ghost { border-color: var(--parchment); color: var(--parchment); }
.cta-band .btn--ghost:hover { background: var(--parchment); color: var(--burgundy); }
@media (max-width: 800px) { .cta-band__inner { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.foot {
  background: var(--navy-deep);
  color: rgba(247,244,238,.75);
  padding-block: 80px 32px;
  font-size: 14.5px;
}

/* "Ready To Apply?" CTA strip — sits above the main footer grid on every page */
.foot__apply-strip {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 32px;
  align-items: center;
  padding: 28px 36px;
  margin-bottom: 56px;
  background: linear-gradient(135deg, var(--burgundy) 0%, var(--burgundy-d) 100%);
  border: 1px solid var(--brass);
  color: var(--parchment);
}
.foot__apply-strip__copy .eyebrow { color: var(--brass-soft); margin-bottom: 8px; }
.foot__apply-strip__copy p { margin: 0; color: rgba(247,244,238,.92); font-size: 15.5px; line-height: 1.55; max-width: 64ch; }
.foot__apply-strip .btn--primary {
  background: var(--parchment);
  color: var(--navy);
  border-color: var(--parchment);
  white-space: nowrap;
}
.foot__apply-strip .btn--primary:hover { background: var(--brass); color: var(--navy); }
@media (max-width: 720px) {
  .foot__apply-strip { grid-template-columns: 1fr; padding: 24px 22px; gap: 18px; }
  .foot__apply-strip .btn--primary { width: 100%; }
}

.foot__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(176,141,87,.2);
}

/* Secondary footer row — By Profession + By State (SEO discovery for hero & state pages) */
.foot__grid--secondary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  padding: 36px 0;
  border-bottom: 1px solid rgba(176,141,87,.15);
}
.foot__grid--secondary ul {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px 24px;
}
@media (max-width: 880px) {
  .foot__grid--secondary { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 540px) {
  .foot__grid--secondary ul { grid-template-columns: 1fr; }
}
.foot__grid--secondary li.coming-soon {
  color: rgba(247,244,238,.4);
  font-style: italic;
  cursor: default;
}
.foot__grid--secondary li.coming-soon::after {
  content: " · soon";
  font-family: var(--f-display);
  font-style: italic;
  color: var(--brass);
  font-size: 11px;
  opacity: .7;
}
.foot h4 {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 22px;
}
.foot ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.foot a:hover { color: var(--brass-soft); }
.foot__brand .brand__name .top, .foot__brand .brand__name .bot { color: var(--parchment); }
.foot__brand .brand__name .bot { color: var(--brass); }
.foot__brand p { margin-top: 20px; line-height: 1.7; color: rgba(247,244,238,.7); }
.foot__contact a { display: block; }
.foot__legal {
  padding-top: 28px;
  display: flex; flex-wrap: wrap; gap: 18px; align-items: center; justify-content: space-between;
  font-size: 12px;
  letter-spacing: .08em;
  color: rgba(247,244,238,.55);
}
.foot__legal a { text-decoration: underline; text-underline-offset: 4px; }
@media (max-width: 880px) {
  .foot__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .foot__grid { grid-template-columns: 1fr; }
}

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* ============================================================
   FAQ ACCORDION (used on top service pages — also drives FAQPage schema)
   ============================================================ */
.faq-list {
  display: flex; flex-direction: column;
  gap: 0;
  border-top: 1px solid rgba(176,141,87,.3);
  margin: 24px 0 0;
}
.faq-item {
  border-bottom: 1px solid rgba(176,141,87,.3);
  background: transparent;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 0;
  display: flex; align-items: center; justify-content: space-between;
  gap: 18px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 16px;
  letter-spacing: -.005em;
  color: var(--navy);
  transition: color .2s var(--ease);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "";
  flex: 0 0 22px;
  width: 22px; height: 22px;
  background-image:
    linear-gradient(currentColor, currentColor),
    linear-gradient(currentColor, currentColor);
  background-size: 14px 2px, 2px 14px;
  background-position: center;
  background-repeat: no-repeat;
  transition: transform .25s var(--ease);
  color: var(--brass);
}
.faq-item[open] summary::after {
  background-size: 14px 2px, 0 0;
  transform: rotate(180deg);
}
.faq-item summary:hover { color: var(--burgundy); }
.faq-item__body {
  padding: 0 0 24px;
  font-size: 16px;
  line-height: 1.7;
  color: var(--charcoal-d);
  max-width: 70ch;
}
.faq-item__body p { margin: 0 0 12px; }
.faq-item__body p:last-child { margin-bottom: 0; }
.faq-item__body strong { color: var(--navy); }

/* ---------- Service-page specific ---------- */
.page-hero {
  background: var(--navy);
  color: var(--parchment);
  padding-block: clamp(80px, 9vw, 130px);
  position: relative;
  overflow: hidden;
}
.page-hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(70% 50% at 80% 30%, rgba(176,141,87,.18), transparent 65%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
}
.page-hero__inner { position: relative; z-index: 1; max-width: 820px; }
.page-hero h1 {
  font-size: clamp(34px, 5vw, 64px);
  color: var(--parchment);
  text-transform: uppercase;
  letter-spacing: -.01em;
  margin-top: 18px;
}
.page-hero p { color: rgba(247,244,238,.78); font-size: 17.5px; margin-top: 22px; max-width: 62ch; }
.breadcrumb {
  display: inline-flex; gap: 10px; align-items: center;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass-soft);
}
.breadcrumb a { color: inherit; opacity: .8; }
.breadcrumb a:hover { color: var(--brass); opacity: 1; }

.layout-2col {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: clamp(40px, 5vw, 72px);
  align-items: start;
}
.prose h2 { font-size: clamp(26px, 2.6vw, 36px); text-transform: uppercase; letter-spacing: -.005em; margin: 56px 0 18px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 20px; letter-spacing: .03em; text-transform: uppercase; margin: 32px 0 12px; color: var(--burgundy); }
.prose p { font-size: 16.5px; line-height: 1.8; color: var(--charcoal-d); }
.prose ul { padding-left: 0; list-style: none; margin: 18px 0; }
.prose ul li {
  padding: 12px 0 12px 32px;
  position: relative;
  border-bottom: 1px solid rgba(176,141,87,.22);
  font-size: 16px;
  color: var(--charcoal-d);
}
.prose ul li::before {
  content: "";
  position: absolute; left: 0; top: 18px;
  width: 18px; height: 2px; background: var(--brass);
}
.prose strong { color: var(--navy); }

.sidebar {
  position: sticky; top: 110px;
  background: var(--navy);
  color: var(--parchment);
  padding: 38px 32px;
  border: 1px solid var(--brass);
}
.sidebar h3 {
  font-family: var(--f-head); font-weight: 800;
  font-size: 20px; letter-spacing: .03em; text-transform: uppercase;
  color: var(--parchment); margin-bottom: 18px;
}
.sidebar__list { list-style: none; padding: 0; margin: 0 0 28px; }
.sidebar__list li {
  padding: 14px 0;
  border-bottom: 1px solid rgba(176,141,87,.3);
  display: flex; gap: 12px; align-items: flex-start;
  font-size: 14.5px; line-height: 1.5;
}
.sidebar__list li::before {
  content: ""; flex: 0 0 8px; width: 8px; height: 8px;
  border: 2px solid var(--brass); margin-top: 6px;
}
.sidebar p { color: rgba(247,244,238,.82); font-size: 14.5px; line-height: 1.65; }
.sidebar .btn { width: 100%; margin-top: 8px; }

@media (max-width: 940px) {
  .layout-2col { grid-template-columns: 1fr; }
  .sidebar { position: static; }
}

/* ---------- About page extras ---------- */
.bio {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: start;
}
.bio__portrait {
  position: relative;
  aspect-ratio: 4 / 5;
  background:
    linear-gradient(135deg, rgba(20,39,74,.55), rgba(168,32,41,.35)),
    radial-gradient(circle at 35% 25%, #4a4a48, #2e2e2c);
  border: 1px solid var(--brass);
}
.bio__portrait::before {
  content: ""; position: absolute; inset: 14px; border: 1px solid rgba(176,141,87,.45); pointer-events: none;
}
.bio__caption {
  position: absolute; bottom: -30px; left: 24px;
  background: var(--burgundy); color: var(--parchment);
  padding: 16px 22px;
  font-family: var(--f-head); font-weight: 700;
  font-size: 11px; letter-spacing: .26em; text-transform: uppercase;
}
.bio h1 { font-size: clamp(36px, 5vw, 60px); text-transform: uppercase; letter-spacing: -.01em; margin-bottom: 22px; }
.bio .lede { font-size: 19px; color: var(--charcoal-d); }
.bio .pull {
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(22px, 2.2vw, 28px);
  line-height: 1.4;
  color: var(--navy);
  padding: 28px 0 28px 28px;
  border-left: 3px solid var(--brass);
  margin: 36px 0;
}
@media (max-width: 880px) { .bio { grid-template-columns: 1fr; } }

.values {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.value {
  padding: 32px 28px;
  background: rgba(247,244,238,.04);
  border: 1px solid rgba(176,141,87,.35);
}
.value__icon { width: 44px; height: 44px; color: var(--brass); margin-bottom: 22px; }
.value h3 {
  font-size: 16px; letter-spacing: .14em; text-transform: uppercase;
  color: var(--parchment); margin-bottom: 12px;
}
.value p { color: rgba(247,244,238,.78); font-size: 14.5px; margin: 0; line-height: 1.65; }
@media (max-width: 980px) { .values { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .values { grid-template-columns: 1fr; } }

/* ============================================================
   CALCULATORS
   ============================================================ */
.calc-tabs {
  display: flex; flex-wrap: wrap; gap: 0;
  border-bottom: 1px solid rgba(176,141,87,.35);
  margin-bottom: 48px;
}
.calc-tab {
  padding: 18px 28px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--charcoal);
  border: 0;
  background: transparent;
  border-bottom: 2px solid transparent;
  cursor: pointer;
  margin-bottom: -1px;
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.calc-tab:hover { color: var(--burgundy); }
.calc-tab.active {
  color: var(--navy);
  border-bottom-color: var(--brass);
}

.calc-panel { display: none; }
.calc-panel.active { display: grid; }

.calc {
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 72px);
  align-items: start;
}
.calc > *, .calc-panel > * { min-width: 0; }
@media (max-width: 880px) { .calc { grid-template-columns: 1fr; } }

.calc-form {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 40px 36px;
  display: flex; flex-direction: column; gap: 22px;
  min-width: 0;
}
.calc-form input, .calc-form select, .calc-form textarea { width: 100%; min-width: 0; box-sizing: border-box; }
@media (max-width: 540px) {
  .calc-form { padding: 28px 20px; }
}
.calc-form h3 {
  font-size: 20px; letter-spacing: .04em; text-transform: uppercase;
  color: var(--navy); margin-bottom: 4px;
}
.field { display: flex; flex-direction: column; gap: 8px; }
.field label {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--charcoal-d);
  display: flex; justify-content: space-between; align-items: baseline;
}
.field label .out {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: .04em;
  text-transform: none;
  color: var(--burgundy);
}
.field input[type="text"],
.field input[type="number"],
.field select {
  font: 500 16px var(--f-body);
  color: var(--navy);
  background: var(--white);
  border: 1px solid rgba(176,141,87,.5);
  padding: 14px 16px;
  border-radius: 0;
  outline: none;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus, .field select:focus {
  border-color: var(--brass);
  box-shadow: 0 0 0 3px rgba(176,141,87,.18);
}
.field input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%;
  height: 4px;
  background: rgba(176,141,87,.3);
  outline: none;
  border-radius: 0;
}
.field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px;
  background: var(--burgundy);
  border: 2px solid var(--parchment);
  box-shadow: 0 0 0 1px var(--brass);
  cursor: pointer;
}
.field input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px;
  background: var(--burgundy);
  border: 2px solid var(--parchment);
  box-shadow: 0 0 0 1px var(--brass);
  cursor: pointer; border-radius: 0;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

.calc-out {
  background: var(--navy);
  color: var(--parchment);
  padding: 40px 36px;
  border: 1px solid var(--brass);
  position: relative;
}
.calc-out::after {
  content: ""; position: absolute; inset: 10px; border: 1px solid rgba(176,141,87,.35);
  pointer-events: none;
}
.calc-out__label {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass-soft);
}
.calc-out__big {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(48px, 6vw, 72px);
  line-height: 1;
  color: var(--brass);
  margin: 18px 0 14px;
  letter-spacing: -.015em;
}
.calc-out__big small {
  display: block;
  font-family: var(--f-display);
  font-style: italic;
  font-weight: 500;
  font-size: 14px;
  letter-spacing: .04em;
  color: rgba(247,244,238,.7);
  margin-top: 8px;
  text-transform: none;
}
.calc-out hr { margin: 24px 0; border: 0; height: 1px; background: rgba(176,141,87,.35); }
.calc-out__break { display: flex; flex-direction: column; gap: 14px; }
.calc-out__row {
  display: flex; justify-content: space-between; align-items: baseline;
  font-family: var(--f-body);
  font-size: 14.5px;
}
.calc-out__row .k {
  color: rgba(247,244,238,.7);
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11.5px;
  letter-spacing: .18em;
  text-transform: uppercase;
}
.calc-out__row .v {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--parchment);
  font-size: 15.5px;
}
.calc-out .btn { margin-top: 28px; width: 100%; }

/* ----- Pass/fail badge inside calc-out ----- */
.calc-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .24em;
  text-transform: uppercase;
  border: 1px solid currentColor;
  border-radius: 2px;
  margin-bottom: 14px;
}
.calc-badge--pass { color: var(--brass); background: rgba(176,141,87,.12); }
.calc-badge--warn { color: var(--brass-soft); background: rgba(201,168,120,.10); }
.calc-badge--fail { color: #d97a82; background: rgba(168,32,41,.18); border-color: #d97a82; }
.calc-badge svg { width: 14px; height: 14px; }

/* ----- Mini schedule table for buydown ----- */
.calc-schedule {
  margin-top: 18px;
  border: 1px solid rgba(176,141,87,.35);
  background: rgba(0,0,0,.18);
}
.calc-schedule__row {
  display: grid;
  grid-template-columns: 80px 1fr 1fr;
  align-items: center;
  padding: 10px 14px;
  border-bottom: 1px solid rgba(176,141,87,.18);
  font-size: 13px;
}
.calc-schedule__row:last-child { border-bottom: 0; }
.calc-schedule__row--head {
  background: rgba(176,141,87,.10);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brass);
}
.calc-schedule__yr {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .14em;
  color: var(--brass-soft);
  text-transform: uppercase;
}
.calc-schedule__rate {
  color: var(--parchment);
  font-family: var(--f-head);
  font-weight: 700;
}
.calc-schedule__pmt {
  color: var(--parchment);
  font-family: var(--f-head);
  font-weight: 700;
  text-align: right;
}

/* ============================================================
   UNIFIED MORTGAGE CALCULATOR PANEL
   (Combines Payment + Affordability + Amortization Schedule)
   ============================================================ */
.calc-panel--mortgage.active {
  display: block;
}
.mortgage-top {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 72px);
  align-items: start;
  margin-bottom: 40px;
}
@media (max-width: 880px) {
  .mortgage-top { grid-template-columns: 1fr; }
}

/* Mode toggle inside the form */
.mode-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  margin-bottom: 8px;
}
.mode-toggle > * { min-width: 0; }
.mode-toggle input[type="radio"] { display: none; }
.mode-toggle label {
  display: flex; align-items: center; justify-content: center;
  padding: 14px 12px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11.5px;
  letter-spacing: .18em;
  text-transform: uppercase;
  border: 1px solid rgba(176,141,87,.45);
  cursor: pointer;
  background: var(--white);
  color: var(--charcoal-d);
  text-align: center;
  transition: background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
  min-width: 0;
  word-break: break-word;
}
@media (max-width: 480px) {
  .mode-toggle label { font-size: 10.5px; letter-spacing: .14em; padding: 12px 8px; }
}
.mode-toggle label:hover { color: var(--navy); border-color: var(--brass); }
.mode-toggle input[type="radio"]:checked + label {
  background: var(--navy);
  color: var(--parchment);
  border-color: var(--brass);
}

/* Form mode hide/show */
.mode-form { display: none; flex-direction: column; gap: 22px; }
.mode-form.active { display: flex; }

/* Affordability result callout (shown only in affordability mode) */
.afford-result {
  background: linear-gradient(135deg, rgba(168,32,41,.22), rgba(168,32,41,.08));
  border-left: 3px solid var(--burgundy);
  padding: 20px 24px;
  margin-bottom: 24px;
  position: relative;
}
.afford-result__label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass-soft);
  display: block;
  margin-bottom: 8px;
}
.afford-result__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(34px, 4vw, 48px);
  line-height: 1;
  color: var(--brass);
  letter-spacing: -.01em;
}
.afford-result__hint {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 13px;
  color: rgba(247,244,238,.75);
  margin-top: 8px;
  display: block;
}

/* ===== AMORTIZATION SCHEDULE ===== */
.amort {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 32px clamp(20px, 3vw, 36px);
}
.amort__head {
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px; flex-wrap: wrap;
  margin-bottom: 22px;
}
.amort__title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 19px;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--navy);
  display: flex; align-items: center; gap: 14px;
}
.amort__title::before {
  content: ""; width: 8px; height: 16px;
  background: var(--brass);
  display: inline-block;
}
.amort__view-toggle {
  display: inline-flex;
  border: 1px solid rgba(176,141,87,.45);
}
.amort__view-toggle button {
  padding: 9px 18px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  background: transparent;
  border: 0;
  color: var(--charcoal);
  cursor: pointer;
  transition: background .2s var(--ease), color .2s var(--ease);
}
.amort__view-toggle button:hover { color: var(--navy); }
.amort__view-toggle button.active {
  background: var(--navy);
  color: var(--brass);
}

.amort__summary {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(176,141,87,.25);
  margin-bottom: 20px;
}
.amort__summary-cell {
  padding: 18px 20px;
  border-right: 1px solid rgba(176,141,87,.25);
}
.amort__summary-cell:last-child { border-right: 0; }
.amort__summary-cell .label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--burgundy);
  margin-bottom: 6px;
  display: block;
}
.amort__summary-cell .value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 20px;
  color: var(--navy);
  letter-spacing: -.005em;
}
@media (max-width: 760px) {
  .amort__summary { grid-template-columns: repeat(2, 1fr); }
  .amort__summary-cell:nth-child(2) { border-right: 0; }
  .amort__summary-cell:nth-child(1),
  .amort__summary-cell:nth-child(2) { border-bottom: 1px solid rgba(176,141,87,.25); }
}

.amort__table-wrap {
  max-height: 520px;
  overflow-y: auto;
  overflow-x: auto;
  border: 1px solid rgba(176,141,87,.3);
}
.amort__table {
  width: 100%;
  min-width: 580px;
  border-collapse: collapse;
  font-size: 14px;
  background: var(--parchment);
}
.amort__table thead th {
  position: sticky; top: 0;
  z-index: 1;
  background: var(--navy);
  color: var(--brass);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--brass);
}
.amort__table thead th:not(:first-child) { text-align: right; }
.amort__table tbody td {
  padding: 11px 16px;
  border-bottom: 1px solid rgba(176,141,87,.18);
  font-family: var(--f-body);
  color: var(--charcoal-d);
  white-space: nowrap;
}
.amort__table tbody td:not(:first-child) { text-align: right; }
.amort__table tbody tr:nth-child(even) { background: rgba(176,141,87,.05); }
.amort__table tbody tr.year-row { background: rgba(176,141,87,.12); }
.amort__table tbody tr.year-row td {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
}
.amort__table tbody td:first-child {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
}
.amort__table tbody td.col-balance {
  color: var(--burgundy);
  font-weight: 700;
}
.amort__table tbody td.col-zero { color: var(--charcoal); opacity: .55; font-weight: 500; }

/* ============================================================
   VA IRRRL CALCULATOR — Full FECC / Recoupment per VA Circular 26-19-22
   ============================================================ */
.calc-panel--irrrl.active {
  display: block;
}
.irrrl-layout {
  display: flex; flex-direction: column;
  gap: 28px;
}
.irrrl-card {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 26px 32px;
  position: relative;
}
.irrrl-card--muted {
  background: rgba(176,141,87,.06);
  border-color: rgba(176,141,87,.22);
}
.irrrl-card__head {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 4px;
}
.irrrl-card__icon {
  width: 36px; height: 36px;
  background: rgba(176,141,87,.15);
  border: 1px solid var(--brass);
  display: flex; align-items: center; justify-content: center;
  color: var(--brass);
  flex: 0 0 36px;
}
.irrrl-card__icon svg { width: 18px; height: 18px; }
.irrrl-card__title {
  font-family: var(--f-head); font-weight: 800;
  font-size: 16px; letter-spacing: .04em;
  text-transform: uppercase; color: var(--navy);
}
.irrrl-card__subtitle {
  font-family: var(--f-display); font-style: italic;
  font-size: 13px; color: var(--charcoal);
  margin: 0 0 18px 50px;
}
.irrrl-card .field input,
.irrrl-card .field select { background: var(--white); }
.irrrl-card--muted .field input { background: rgba(255,255,255,.5); color: var(--charcoal); }
.field__hint {
  font-family: var(--f-display); font-style: italic;
  font-size: 12px; color: var(--charcoal);
  margin-top: 4px; display: block;
}

.irrrl-two-col {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 880px) { .irrrl-two-col { grid-template-columns: 1fr; } }

/* Loan Type Configuration */
.irrrl-loan-type {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 8px; margin-top: 14px;
}
.irrrl-loan-type input[type="radio"] { display: none; }
.irrrl-loan-type label {
  display: flex; align-items: center; justify-content: center;
  padding: 14px 8px;
  font-family: var(--f-head); font-weight: 600;
  font-size: 11.5px; letter-spacing: .14em;
  text-transform: uppercase;
  border: 1px solid rgba(176,141,87,.45);
  cursor: pointer; background: var(--white);
  color: var(--charcoal-d); text-align: center;
  transition: all .2s var(--ease);
}
.irrrl-loan-type label:hover { border-color: var(--brass); color: var(--navy); }
.irrrl-loan-type input[type="radio"]:checked + label {
  background: var(--navy); color: var(--parchment);
  border-color: var(--brass);
}
@media (max-width: 680px) { .irrrl-loan-type { grid-template-columns: 1fr 1fr; } }

/* Card totals row */
.irrrl-card__total {
  margin-top: 20px; padding-top: 16px;
  border-top: 1px solid rgba(176,141,87,.3);
  display: flex; justify-content: space-between; align-items: baseline;
}
.irrrl-card__total-label {
  font-family: var(--f-head); font-weight: 700;
  font-size: 11px; letter-spacing: .22em;
  text-transform: uppercase; color: var(--charcoal-d);
}
.irrrl-card__total-value {
  font-family: var(--f-head); font-weight: 800;
  font-size: 18px; color: var(--navy);
  letter-spacing: -.005em;
}

/* EEM toggle row */
.irrrl-eem-toggle {
  margin-top: 16px; padding: 14px 16px;
  background: rgba(107,142,62,.10);
  border: 1px solid rgba(107,142,62,.3);
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px;
}
.irrrl-eem-toggle__label {
  display: flex; align-items: center; gap: 12px;
}
.irrrl-eem-toggle__label > svg {
  width: 22px; height: 22px; color: #6b8e3e;
  flex: 0 0 22px;
}
.irrrl-eem-toggle__label-text {
  display: flex; flex-direction: column; gap: 3px;
}
.irrrl-eem-toggle__title {
  font-family: var(--f-head); font-weight: 700;
  font-size: 12px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--navy);
}
.irrrl-eem-toggle__sub {
  font-size: 12px; color: var(--charcoal);
}

/* Toggle switch */
.toggle-switch {
  position: relative; width: 44px; height: 24px;
  cursor: pointer; flex: 0 0 44px;
}
.toggle-switch input { display: none; }
.toggle-switch__track {
  display: block; width: 100%; height: 100%;
  background: rgba(0,0,0,.22);
  border-radius: 12px;
  transition: background .2s var(--ease);
  position: relative;
}
.toggle-switch__track::after {
  content: ""; position: absolute;
  width: 18px; height: 18px;
  background: white; border-radius: 50%;
  top: 3px; left: 3px;
  transition: left .2s var(--ease);
  box-shadow: 0 1px 2px rgba(0,0,0,.25);
}
.toggle-switch input:checked + .toggle-switch__track { background: #6b8e3e; }
.toggle-switch input:checked + .toggle-switch__track::after { left: 23px; }

/* EEM amount input (conditional) */
.irrrl-eem-amount {
  margin-top: 12px;
  display: none;
}
.irrrl-eem-amount.active { display: block; }

/* Result card (pass/fail) */
.irrrl-result-card {
  padding: 22px 28px;
  border-left: 4px solid;
  display: flex; align-items: center; gap: 18px;
  background: rgba(107,142,62,.10);
  border-top: 1px solid rgba(107,142,62,.3);
  border-right: 1px solid rgba(107,142,62,.3);
  border-bottom: 1px solid rgba(107,142,62,.3);
}
.irrrl-result-card--pass {
  background: rgba(107,142,62,.10);
  border-left-color: #6b8e3e;
  border-top-color: rgba(107,142,62,.3);
  border-right-color: rgba(107,142,62,.3);
  border-bottom-color: rgba(107,142,62,.3);
}
.irrrl-result-card--fail {
  background: rgba(168,32,41,.10);
  border-left-color: var(--burgundy);
  border-top-color: rgba(168,32,41,.3);
  border-right-color: rgba(168,32,41,.3);
  border-bottom-color: rgba(168,32,41,.3);
}
.irrrl-result-card__icon {
  width: 44px; height: 44px; flex: 0 0 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.7);
}
.irrrl-result-card--pass .irrrl-result-card__icon { color: #5c7a35; }
.irrrl-result-card--fail .irrrl-result-card__icon { color: var(--burgundy); }
.irrrl-result-card__icon svg { width: 24px; height: 24px; }
.irrrl-result-card__body { flex: 1; }
.irrrl-result-card__title {
  font-family: var(--f-head); font-weight: 800;
  font-size: 17px; letter-spacing: .03em;
  text-transform: uppercase;
}
.irrrl-result-card--pass .irrrl-result-card__title { color: #4a6428; }
.irrrl-result-card--fail .irrrl-result-card__title { color: var(--burgundy); }
.irrrl-result-card__period {
  font-family: var(--f-head); font-weight: 700;
  font-size: 14px; margin-top: 6px; color: var(--navy);
}
.irrrl-result-card__detail {
  font-size: 11.5px; font-family: var(--f-head);
  letter-spacing: .18em; text-transform: uppercase;
  opacity: .8; margin-top: 4px;
}

/* Analysis card (burgundy/charcoal gradient) */
.irrrl-analysis-card {
  background:
    linear-gradient(135deg, rgba(58,58,57,.95) 0%, rgba(138,26,34,.85) 100%),
    var(--charcoal-d);
  color: var(--parchment);
  padding: 32px 36px;
  position: relative;
  border: 1px solid var(--brass);
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 32px; align-items: center;
}
.irrrl-analysis-card__icon {
  width: 44px; height: 44px;
  background: var(--burgundy);
  display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--brass);
}
.irrrl-analysis-card__icon svg {
  width: 22px; height: 22px;
  color: var(--parchment);
}
.irrrl-analysis-card__eyebrow {
  font-family: var(--f-head); font-weight: 700;
  font-size: 10.5px; letter-spacing: .26em;
  text-transform: uppercase; color: var(--brass-soft);
}
.irrrl-analysis-card__big {
  font-family: var(--f-head); font-weight: 800;
  font-size: clamp(38px, 5vw, 54px);
  line-height: 1; color: var(--parchment);
  margin: 8px 0 6px;
  letter-spacing: -.01em;
}
.irrrl-analysis-card__label {
  font-family: var(--f-display); font-style: italic;
  font-size: 14px; color: rgba(247,244,238,.78);
}
.irrrl-analysis-card__details {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 26px; padding-top: 22px;
  border-top: 1px solid rgba(176,141,87,.3);
}
.irrrl-analysis-card__metric { display: flex; flex-direction: column; gap: 6px; }
.irrrl-analysis-card__metric .label {
  font-family: var(--f-head); font-weight: 700;
  font-size: 10px; letter-spacing: .26em;
  text-transform: uppercase; color: var(--brass-soft);
}
.irrrl-analysis-card__metric .value {
  font-family: var(--f-head); font-weight: 800;
  font-size: 24px; color: var(--parchment);
}
.irrrl-analysis-card__body { flex: 1; }
@media (max-width: 700px) {
  .irrrl-analysis-card { grid-template-columns: 1fr; padding: 28px 24px; }
}

/* Fee Summary */
.irrrl-fee-summary {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 24px 28px;
}
.irrrl-fee-summary__title {
  font-family: var(--f-head); font-weight: 800;
  font-size: 14px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--navy);
  margin-bottom: 16px;
}
.irrrl-fee-summary__row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 11px 0;
  border-bottom: 1px solid rgba(176,141,87,.18);
  font-size: 14.5px;
}
.irrrl-fee-summary__row:last-child { border-bottom: 0; }
.irrrl-fee-summary__row--total {
  padding-top: 14px;
  margin-top: 4px;
  border-top: 1px solid var(--brass);
  border-bottom: 0;
  font-weight: 700;
}
.irrrl-fee-summary__row .label { color: var(--charcoal-d); }
.irrrl-fee-summary__row .value {
  font-family: var(--f-head); font-weight: 700;
  color: var(--navy);
}
.irrrl-fee-summary__row--credit .value { color: #6b8e3e; }
.irrrl-fee-summary__row--total .value {
  font-size: 17px; color: var(--burgundy);
}
.irrrl-fee-summary__row--ref { opacity: .7; }
.irrrl-fee-summary__row--ref .value { color: var(--charcoal); }

/* Compliance reference card */
.irrrl-reference {
  background: rgba(27,54,93,.05);
  border: 1px solid rgba(176,141,87,.3);
  padding: 24px 28px;
}
.irrrl-reference__title {
  font-family: var(--f-head); font-weight: 800;
  font-size: 14px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--navy);
  margin-bottom: 14px;
}
.irrrl-reference__list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 9px;
}
.irrrl-reference__list li {
  padding-left: 20px; position: relative;
  font-size: 14px; color: var(--charcoal-d);
  line-height: 1.55;
}
.irrrl-reference__list li::before {
  content: "•";
  position: absolute; left: 0; top: 0;
  color: var(--brass); font-weight: 800;
  font-size: 18px; line-height: 1;
}

/* ============================================================
   VA BONUS ENTITLEMENT CALCULATOR
   ============================================================ */
.calc-panel--vaent.active {
  display: block;
}

/* Result cards 2 × 2 grid */
.vaent-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 680px) { .vaent-results { grid-template-columns: 1fr; } }

.vaent-result-card {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 34px 28px;
  text-align: center;
  position: relative;
  transition: border-color .25s var(--ease), background .25s var(--ease);
}
.vaent-result-card__label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .14em;
  color: var(--charcoal-d);
  text-transform: uppercase;
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(176,141,87,.4);
}
.vaent-result-card__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 36px);
  color: var(--navy);
  letter-spacing: -.01em;
  line-height: 1;
}
.vaent-result-card__hint {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 12px;
  color: var(--charcoal);
  margin-top: 10px;
  display: block;
}
/* Down-payment-needed callout when borrower needs cash */
.vaent-result-card--warn {
  background: rgba(168,32,41,.06);
  border-color: var(--burgundy);
}
.vaent-result-card--warn .vaent-result-card__label { color: var(--burgundy); }
.vaent-result-card--warn .vaent-result-card__value { color: var(--burgundy); }
/* Positive / no-down state */
.vaent-result-card--good {
  background: rgba(107,142,62,.06);
  border-color: rgba(107,142,62,.5);
}
.vaent-result-card--good .vaent-result-card__value { color: #4a6428; }

/* Field hint inline */
.field__inline-hint {
  font-weight: 500;
  color: var(--charcoal);
  text-transform: none;
  letter-spacing: .04em;
  font-size: 12px;
  margin-left: 6px;
}

/* ============================================================
   REFINANCE BREAK-EVEN CALCULATOR — Full detail
   ============================================================ */
.calc-panel--refi.active {
  display: block;
}

/* Snapshot break-even bar (inside the burgundy snapshot card) */
.refi-snapshot-bar {
  margin-top: 24px;
}
.refi-snapshot-bar__labels {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 8px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: rgba(247,244,238,.78);
}
.refi-snapshot-bar__labels strong { color: var(--parchment); font-weight: 700; }
.refi-snapshot-bar__track {
  background: rgba(255,255,255,.12);
  height: 6px;
  border-radius: 3px;
  overflow: hidden;
}
.refi-snapshot-bar__fill {
  height: 100%;
  background: var(--brass);
  border-radius: 3px;
  transition: width .35s var(--ease), background .25s var(--ease);
}
.refi-snapshot-bar__fill--neg { background: var(--burgundy); }

/* Recommendation banner */
.refi-rec-card {
  padding: 22px 28px;
  display: flex; align-items: center; gap: 18px;
  border-left: 4px solid;
  border-top: 1px solid;
  border-right: 1px solid;
  border-bottom: 1px solid;
}
.refi-rec-card--good {
  background: rgba(107,142,62,.10);
  border-left-color: #6b8e3e;
  border-top-color: rgba(107,142,62,.3);
  border-right-color: rgba(107,142,62,.3);
  border-bottom-color: rgba(107,142,62,.3);
}
.refi-rec-card--bad {
  background: rgba(168,32,41,.10);
  border-left-color: var(--burgundy);
  border-top-color: rgba(168,32,41,.3);
  border-right-color: rgba(168,32,41,.3);
  border-bottom-color: rgba(168,32,41,.3);
}
.refi-rec-card__icon {
  width: 44px; height: 44px; flex: 0 0 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.7);
}
.refi-rec-card--good .refi-rec-card__icon { color: #5c7a35; }
.refi-rec-card--bad .refi-rec-card__icon { color: var(--burgundy); }
.refi-rec-card__icon svg { width: 24px; height: 24px; }
.refi-rec-card__body { flex: 1; }
.refi-rec-card__eyebrow {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .26em;
  text-transform: uppercase;
  opacity: .8;
  margin-bottom: 4px;
}
.refi-rec-card__title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 17px;
  letter-spacing: .03em;
  text-transform: uppercase;
}
.refi-rec-card--good .refi-rec-card__title { color: #4a6428; }
.refi-rec-card--bad .refi-rec-card__title { color: var(--burgundy); }
.refi-rec-card__detail {
  font-size: 14px;
  margin-top: 6px;
  color: var(--charcoal-d);
}

/* Key metrics 2×2 grid */
.refi-metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
@media (max-width: 680px) { .refi-metrics { grid-template-columns: 1fr; } }
.refi-metric {
  background: var(--parchment-d);
  padding: 22px 24px;
  border: 1px solid rgba(176,141,87,.2);
}
.refi-metric__label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--charcoal-d);
  margin-bottom: 10px;
}
.refi-metric__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(24px, 2.4vw, 28px);
  color: var(--navy);
  letter-spacing: -.01em;
  line-height: 1;
}
.refi-metric__value--positive { color: #4a6428; }
.refi-metric__value--negative { color: var(--burgundy); }
.refi-metric__sub {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 12.5px;
  color: var(--charcoal);
  margin-top: 8px;
}

/* Break-Even Timeline visualization */
.refi-timeline {
  display: flex;
  height: 52px;
  overflow: hidden;
  border: 1px solid rgba(176,141,87,.3);
  margin-top: 4px;
}
.refi-timeline__seg {
  display: flex; align-items: center; justify-content: center;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: white;
  transition: flex-grow .4s var(--ease);
  min-width: 0;
  white-space: nowrap;
  overflow: hidden;
}
.refi-timeline__seg--paying {
  background: #c97a82;
  /* Enforce a readable minimum width so the "Paying Costs" label always fits,
     even when break-even is very short (e.g., 14 months out of 360). */
  min-width: 140px;
}
.refi-timeline__seg--saving { background: #6b8e3e; }
.refi-timeline__hint {
  font-size: 13px;
  color: var(--charcoal);
  text-align: center;
  font-style: italic;
  margin-top: 14px;
}

/* Payment comparison 2-up */
.refi-pmt-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
@media (max-width: 680px) { .refi-pmt-compare { grid-template-columns: 1fr; } }
.refi-pmt-card {
  background: var(--parchment-d);
  padding: 28px;
  border: 1px solid rgba(176,141,87,.2);
}
.refi-pmt-card__label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--charcoal-d);
  margin-bottom: 12px;
}
.refi-pmt-card__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(32px, 3.6vw, 38px);
  color: var(--navy);
  letter-spacing: -.01em;
  line-height: 1;
}
.refi-pmt-card__sub {
  margin-top: 10px;
  font-family: var(--f-display);
  font-style: italic;
  font-size: 13px;
  color: #4a6428;
}

/* Comparison table-style rows */
.refi-compare-list {
  display: flex; flex-direction: column;
  margin-top: 18px;
}
.refi-compare-list__row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid rgba(176,141,87,.2);
  font-size: 14.5px;
}
.refi-compare-list__row:last-child { border-bottom: 0; }
.refi-compare-list__row .label { color: var(--charcoal-d); }
.refi-compare-list__row .value {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
}
.refi-compare-list__row--positive .value { color: #4a6428; }
.refi-compare-list__row--negative .value { color: var(--burgundy); }
.refi-compare-list__divider {
  border-top: 1px solid var(--brass);
  margin: 8px 0;
}

/* ============================================================
   BUYDOWN CALCULATOR — Full FECC-style detail
   ============================================================ */
.calc-panel--buydown.active {
  display: block;
}

/* Two big stats at the top of the analysis card */
.buydown-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 16px 0 22px;
}
@media (max-width: 680px) { .buydown-stats { grid-template-columns: 1fr; } }

.buydown-stat {
  background: var(--charcoal-d);
  color: var(--parchment);
  padding: 26px 28px;
  border: 1px solid rgba(176,141,87,.3);
  text-align: center;
}
.buydown-stat--success {
  background: linear-gradient(135deg, rgba(58,58,57,.95), rgba(74,100,40,.85));
  border-color: #6b8e3e;
}
.buydown-stat__label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brass-soft);
  margin-bottom: 10px;
}
.buydown-stat__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 36px);
  color: var(--parchment);
  letter-spacing: -.01em;
  line-height: 1;
}
.buydown-stat--success .buydown-stat__value { color: #c4e08a; }
.buydown-stat__hint {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 12.5px;
  color: rgba(247,244,238,.7);
  margin-top: 10px;
}

/* Info note */
.buydown-note {
  background: rgba(176,141,87,.10);
  border: 1px solid rgba(176,141,87,.35);
  padding: 14px 20px;
  font-family: var(--f-body);
  font-size: 14px;
  color: var(--charcoal-d);
  margin-bottom: 22px;
}

/* Schedule heading */
.buydown-schedule-title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 0 0 16px;
}

/* Year cards */
.buydown-year-card {
  background: var(--parchment-d);
  border: 1px solid rgba(176,141,87,.3);
  padding: 22px 26px;
  margin-bottom: 12px;
  transition: background .2s var(--ease), border-color .2s var(--ease);
}
.buydown-year-card:last-child { margin-bottom: 0; }
.buydown-year-card--end {
  background: linear-gradient(135deg, rgba(168,32,41,.18), rgba(138,26,34,.28));
  border-color: var(--burgundy);
  color: var(--parchment);
}
.buydown-year-card__header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(176,141,87,.3);
}
.buydown-year-card--end .buydown-year-card__header {
  border-bottom-color: rgba(247,244,238,.25);
}
.buydown-year-card__year {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 18px;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--navy);
}
.buydown-year-card--end .buydown-year-card__year { color: var(--parchment); }
.buydown-year-card__rate {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 18px;
  color: var(--brass);
  letter-spacing: -.005em;
}
.buydown-year-card--end .buydown-year-card__rate { color: var(--parchment); }
.buydown-year-card__row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 7px 0;
  font-size: 14px;
}
.buydown-year-card__row .label { color: var(--charcoal); }
.buydown-year-card__row .value {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
}
.buydown-year-card--end .buydown-year-card__row .label { color: rgba(247,244,238,.78); }
.buydown-year-card--end .buydown-year-card__row .value { color: var(--parchment); }
.buydown-year-card__divider {
  border-top: 1px solid rgba(176,141,87,.3);
  margin: 10px 0;
}
.buydown-year-card__row--savings .label {
  color: #4a6428;
  font-weight: 600;
}
.buydown-year-card__row--savings .value { color: #4a6428; }

.buydown-year-card__warning {
  display: flex; align-items: center; gap: 10px;
  margin-top: 14px;
  padding: 10px 14px;
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(247,244,238,.25);
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .08em;
  color: var(--parchment);
}
.buydown-year-card__warning svg {
  width: 16px; height: 16px;
  flex: 0 0 16px;
  color: var(--parchment);
}

.buydown-year-card__bar {
  background: rgba(176,141,87,.18);
  height: 4px;
  margin-top: 14px;
  overflow: hidden;
  border-radius: 2px;
}
.buydown-year-card__bar-fill {
  height: 100%;
  background: #6b8e3e;
  transition: width .35s var(--ease);
  border-radius: 2px;
}
.buydown-year-card--end .buydown-year-card__bar {
  background: rgba(247,244,238,.20);
}
.buydown-year-card--end .buydown-year-card__bar-fill {
  background: rgba(247,244,238,.55);
}

/* ============================================================
   DSCR CALCULATOR — Full FECC-style detail with gauge
   ============================================================ */
.calc-panel--dscr.active { display: block; }

.dscr-gauge-wrap {
  display: flex; flex-direction: column; align-items: center;
  gap: 12px;
  padding: 8px 0 0;
}
.dscr-gauge {
  width: 240px;
  height: 156px;
}
.dscr-gauge__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 46px;
  letter-spacing: -.015em;
  margin-top: -8px;
  line-height: 1;
}
.dscr-gauge__value--strong { color: #4a6428; }
.dscr-gauge__value--acceptable { color: #c08a3a; }
.dscr-gauge__value--risky { color: var(--burgundy); }
.dscr-gauge__label {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--charcoal);
  margin-top: -4px;
}
.dscr-gauge__badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  border: 1px solid;
  margin-top: 4px;
}
.dscr-gauge__badge--strong {
  background: rgba(107,142,62,.12);
  color: #4a6428;
  border-color: #6b8e3e;
}
.dscr-gauge__badge--acceptable {
  background: rgba(192,138,58,.12);
  color: #c08a3a;
  border-color: #c08a3a;
}
.dscr-gauge__badge--risky {
  background: rgba(168,32,41,.12);
  color: var(--burgundy);
  border-color: var(--burgundy);
}
.dscr-gauge__badge svg { width: 14px; height: 14px; }
.dscr-gauge__description {
  text-align: center;
  font-size: 14.5px;
  color: var(--charcoal-d);
  font-family: var(--f-display);
  font-style: italic;
  max-width: 480px;
  margin: 8px auto 0;
  line-height: 1.5;
}
.dscr-gauge__needle {
  /* Use the SVG viewBox as the coordinate space for transform-origin
     (default fill-box uses CSS pixels of the rendered element, which
     causes the pivot to drift when the SVG is scaled). */
  transform-box: view-box;
  transform-origin: 100px 100px;
  transition: transform .4s cubic-bezier(.22,.61,.36,1);
}

/* DSCR breakdown rows (extends refi-compare-list) */
.dscr-breakdown-title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 28px 0 14px;
}
.dscr-row--highlight {
  background: rgba(176,141,87,.08);
  padding: 14px 16px !important;
  margin: 6px 0;
  border: 1px solid rgba(176,141,87,.25);
  border-bottom: 1px solid rgba(176,141,87,.25) !important;
}
.dscr-row--highlight .value { color: var(--navy); font-size: 16px; }
.dscr-row--positive .value { color: #4a6428; }
.dscr-row--negative .value { color: var(--burgundy); }

/* ============================================================
   SELLER NET SHEET — Full FECC-style detail
   ============================================================ */
.calc-panel--seller.active { display: block; }

/* Smart Fees toggle bar */
.seller-smart-toggle {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 18px;
  background: rgba(176,141,87,.10);
  border: 1px solid rgba(176,141,87,.35);
  margin-bottom: 18px;
  gap: 12px;
}
.seller-smart-toggle__label {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: .05em;
  color: var(--navy);
}
.seller-smart-toggle__label svg { width: 18px; height: 18px; color: var(--brass); }

/* Fee table */
.fee-table {
  width: 100%;
}
.fee-table__head {
  display: grid;
  grid-template-columns: 1fr 140px 100px 32px;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(176,141,87,.3);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--charcoal);
}
.fee-table__head > :nth-child(2),
.fee-table__head > :nth-child(3) { text-align: right; }
.fee-table__row {
  display: grid;
  grid-template-columns: 1fr 140px 100px 32px;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(176,141,87,.18);
}
.fee-table__row:last-of-type { border-bottom: 0; }
.fee-table__name {
  font-size: 14px;
  color: var(--charcoal-d);
  background: transparent;
  border: 0;
  border-bottom: 1px dashed transparent;
  padding: 4px 0;
  font-family: var(--f-body);
}
.fee-table__name:focus, .fee-table__name:hover {
  outline: none;
  border-bottom-color: rgba(176,141,87,.5);
}
.fee-table__amount-wrap {
  position: relative;
}
.fee-table__amount {
  width: 100%;
  text-align: right;
  padding: 8px 12px 8px 22px;
  border: 1px solid rgba(176,141,87,.35);
  font-family: var(--f-body);
  font-size: 14px;
  background: var(--white);
}
.fee-table__amount-wrap::before {
  content: "$";
  position: absolute;
  left: 10px; top: 50%;
  transform: translateY(-50%);
  color: var(--charcoal);
  font-size: 13px;
  pointer-events: none;
}

.paid-by-badge {
  width: 100%;
  padding: 8px 6px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10px;
  letter-spacing: .14em;
  text-transform: uppercase;
  border: 1px solid;
  background: transparent;
  cursor: pointer;
  transition: all .15s var(--ease);
}
.paid-by-badge--seller {
  background: var(--navy);
  color: var(--parchment);
  border-color: var(--navy);
}
.paid-by-badge--buyer {
  background: rgba(176,141,87,.15);
  color: var(--navy);
  border-color: var(--brass);
}
.paid-by-badge--split {
  background: var(--brass);
  color: var(--navy);
  border-color: var(--brass);
}
.paid-by-badge:hover { opacity: .85; }

.fee-table__remove {
  background: transparent;
  border: 1px solid transparent;
  color: var(--charcoal);
  cursor: pointer;
  font-size: 18px;
  width: 28px; height: 28px;
  display: flex; align-items: center; justify-content: center;
  transition: color .15s, border-color .15s;
}
.fee-table__remove:hover {
  color: var(--burgundy);
  border-color: var(--burgundy);
}

.fee-summary-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0 0;
  margin-top: 6px;
  border-top: 1px solid var(--brass);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.fee-summary-row__left {
  display: flex; gap: 16px;
  color: var(--charcoal);
}
.fee-summary-row__left strong { color: var(--navy); margin-right: 4px; }
.fee-summary-row__left .buyer strong { color: var(--brass); }
.fee-summary-row__total { color: var(--navy); }

.fee-add-btn {
  display: flex; align-items: center; justify-content: center;
  gap: 8px;
  width: 100%;
  padding: 14px;
  margin-top: 16px;
  background: transparent;
  border: 1px dashed rgba(176,141,87,.55);
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--charcoal);
  cursor: pointer;
  transition: all .2s var(--ease);
}
.fee-add-btn:hover {
  border-color: var(--brass);
  color: var(--navy);
  background: rgba(176,141,87,.05);
}

/* Net proceeds hero */
.net-proceeds {
  text-align: center;
  padding: 36px 28px;
  background: linear-gradient(135deg, rgba(58,58,57,.95), rgba(74,100,40,.65));
  border: 1px solid #6b8e3e;
  color: var(--parchment);
  margin: 16px 0 28px;
}
.net-proceeds__label {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass-soft);
  margin-bottom: 8px;
}
.net-proceeds__value {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(38px, 5.5vw, 56px);
  color: #c4e08a;
  margin: 8px 0;
  letter-spacing: -.015em;
  line-height: 1;
}
.net-proceeds__value--neg { color: #ff8a93; }
.net-proceeds__pct {
  font-family: var(--f-display);
  font-style: italic;
  color: rgba(247,244,238,.85);
  font-size: 14px;
}

/* Where Your Money Goes pie chart */
.pie-section-title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 20px 0 16px;
}
.pie-chart {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 36px;
  align-items: center;
  margin-bottom: 28px;
}
@media (max-width: 640px) { .pie-chart { grid-template-columns: 1fr; justify-items: center; } }
.pie-chart__svg { width: 240px; height: 240px; }
.pie-chart__legend {
  display: flex; flex-direction: column;
  gap: 10px;
  width: 100%;
}
.pie-chart__legend-item {
  display: grid;
  grid-template-columns: 14px 1fr auto auto;
  gap: 10px;
  align-items: center;
  font-size: 14px;
  padding: 4px 0;
}
.pie-chart__legend-color {
  width: 12px; height: 12px;
}
.pie-chart__legend-label { color: var(--charcoal-d); }
.pie-chart__legend-value {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
  margin-right: 4px;
}
.pie-chart__legend-pct {
  font-family: var(--f-body);
  font-size: 12.5px;
  color: var(--charcoal);
}

/* Detailed breakdown */
.breakdown-section-title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 24px 0 12px;
}
.breakdown-table {
  border-top: 2px solid var(--brass);
}
.breakdown-table__row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 13px 0;
  border-bottom: 1px solid rgba(176,141,87,.18);
  font-size: 14.5px;
}
.breakdown-table__row .label { color: var(--charcoal-d); }
.breakdown-table__row .value {
  font-family: var(--f-head);
  font-weight: 700;
  color: var(--navy);
}
.breakdown-table__row--header {
  background: rgba(176,141,87,.10);
  padding: 14px 16px;
  border-bottom: none;
  margin-bottom: 4px;
}
.breakdown-table__row--header .value { font-size: 16px; }
.breakdown-table__row--negative .value { color: var(--burgundy); }
.breakdown-table__row--muted { opacity: .55; }
.breakdown-table__row--muted .value { color: var(--charcoal); }
.breakdown-table__row--total {
  padding: 14px 0;
  margin-top: 8px;
  border-top: 1px solid var(--brass);
  border-bottom: 0;
  font-weight: 700;
}
.breakdown-table__row--total .value { color: var(--burgundy); font-size: 16px; }
.breakdown-table__row--final {
  background: rgba(107,142,62,.10);
  border: 1px solid rgba(107,142,62,.4);
  padding: 14px 16px;
  margin-top: 6px;
  border-bottom: none;
}
.breakdown-table__row--final .label,
.breakdown-table__row--final .value {
  color: #4a6428;
  font-weight: 800;
  font-size: 16px;
}

/* Print button */
.print-btn {
  display: flex; align-items: center; justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px;
  margin-top: 16px;
  background: transparent;
  border: 1px solid rgba(176,141,87,.45);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--navy);
  cursor: pointer;
  transition: all .2s var(--ease);
}
.print-btn:hover {
  border-color: var(--brass);
  background: rgba(176,141,87,.06);
}
.print-btn svg { width: 16px; height: 16px; }

/* ----- Tab category divider ----- */
.calc-tabs__divider {
  display: inline-flex; align-items: center;
  padding: 0 8px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 9px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass);
  opacity: .65;
  pointer-events: none;
}
.calc-tabs__divider::before {
  content: "";
  width: 14px;
  height: 1px;
  background: currentColor;
  margin-right: 8px;
}

/* ============================================================
   REVIEWS GRID
   ============================================================ */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.reviews-summary {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 40px;
  align-items: center;
  padding: 40px 44px;
  background: var(--navy);
  color: var(--parchment);
  border: 1px solid var(--brass);
  margin-bottom: 56px;
}
.reviews-summary__score {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 72px;
  line-height: 1;
  color: var(--brass);
}
.reviews-summary__stars { display: flex; gap: 4px; color: var(--brass); margin-bottom: 8px; }
.reviews-summary__stars svg { width: 22px; height: 22px; }
.reviews-summary__meta {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: rgba(247,244,238,.7);
}
.reviews-summary__copy {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 18px;
  line-height: 1.5;
  color: var(--parchment);
}
.reviews-summary .btn { white-space: nowrap; }
@media (max-width: 880px) {
  .reviews-grid { grid-template-columns: 1fr; }
  .reviews-summary { grid-template-columns: 1fr; text-align: left; }
}

/* ============================================================
   APPLY FORM
   ============================================================ */
.apply {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: start;
}
.apply > * { min-width: 0; }
@media (max-width: 940px) { .apply { grid-template-columns: 1fr; } }

.apply__intro h2 { margin-bottom: 22px; }
.apply__steps {
  list-style: none; padding: 0; margin: 32px 0 0;
  display: flex; flex-direction: column; gap: 4px;
}
.apply__step {
  display: grid; grid-template-columns: 44px 1fr; gap: 18px;
  padding: 20px 0;
  border-bottom: 1px solid rgba(176,141,87,.25);
  align-items: start;
}
.apply__step:last-child { border-bottom: 0; }
.apply__step .n {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 22px;
  color: var(--brass);
  letter-spacing: -.01em;
  line-height: 1;
  padding-top: 2px;
  border-right: 1px solid rgba(176,141,87,.35);
  padding-right: 14px;
}
.apply__step h4 {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 15px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 6px;
}
.apply__step p { font-size: 14.5px; color: var(--charcoal); margin: 0; line-height: 1.6; }

.form-card {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.4);
  padding: clamp(28px, 4vw, 48px);
  position: relative;
}
.form-card::before {
  content: "";
  position: absolute; top: 0; left: 0;
  width: 100px; height: 3px; background: var(--burgundy);
}
.form-card h3 {
  font-size: 22px; letter-spacing: .03em; text-transform: uppercase;
  margin-bottom: 6px;
}
.form-card .sub {
  font-family: var(--f-display); font-style: italic;
  color: var(--charcoal); margin-bottom: 28px; font-size: 15px;
}
.form-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 18px;
}
.form-grid > * { min-width: 0; }
.form-grid input, .form-grid select, .form-grid textarea { width: 100%; min-width: 0; box-sizing: border-box; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }

.radio-group { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.radio-group label {
  display: flex; align-items: center; justify-content: center;
  padding: 14px 8px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  border: 1px solid rgba(176,141,87,.45);
  cursor: pointer;
  background: var(--white);
  transition: background .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease);
  text-align: center;
}
.radio-group input[type="radio"] { display: none; }
.radio-group input[type="radio"]:checked + label,
.radio-group label.is-active {
  background: var(--navy);
  color: var(--parchment);
  border-color: var(--brass);
}
@media (max-width: 560px) { .radio-group { grid-template-columns: 1fr 1fr; } }

.form-card .legal {
  font-size: 12px; color: var(--charcoal);
  margin-top: 22px; line-height: 1.55;
}

/* ============================================================
   PROGRAM HIGHLIGHTS (used across service pages)
   ============================================================ */
.highlights {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(176,141,87,.3);
  background: var(--parchment);
  margin-block: 12px 32px;
}
.highlights__cell {
  padding: 28px 24px;
  border-right: 1px solid rgba(176,141,87,.3);
}
.highlights__cell:last-child { border-right: 0; }
.highlights__num {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 32px;
  color: var(--burgundy);
  line-height: 1;
}
.highlights__num sup { font-size: .55em; color: var(--brass); margin-left: 2px; vertical-align: top; }
.highlights__label {
  margin-top: 10px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--charcoal);
}
@media (max-width: 760px) {
  .highlights { grid-template-columns: repeat(2, 1fr); }
  .highlights__cell:nth-child(2) { border-right: 0; }
  .highlights__cell:nth-child(1), .highlights__cell:nth-child(2) {
    border-bottom: 1px solid rgba(176,141,87,.3);
  }
}

/* ============================================================
   EDUCATION HUB
   ============================================================ */
.edu-feat {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: clamp(32px, 5vw, 64px);
  align-items: stretch;
  margin-bottom: 64px;
}
.edu-feat__media {
  position: relative;
  min-height: 380px;
  background:
    linear-gradient(180deg, rgba(20,39,74,.35), rgba(20,39,74,.65)),
    radial-gradient(circle at 30% 30%, #2a4d7e, #122648);
  border: 1px solid var(--brass);
}
.edu-feat__media::after {
  content: ""; position: absolute; inset: 14px; border: 1px solid rgba(176,141,87,.4); pointer-events: none;
}
.edu-feat__media .tag {
  position: absolute; top: 24px; left: 24px;
  background: var(--burgundy); color: var(--parchment);
  padding: 10px 16px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
}
.edu-feat__body {
  display: flex; flex-direction: column; justify-content: center; gap: 14px;
}
.edu-feat__body h2 {
  font-size: clamp(28px, 3.4vw, 44px);
  text-transform: uppercase;
  letter-spacing: -.005em;
  line-height: 1.05;
}
.edu-feat__body p { color: var(--charcoal); font-size: 16.5px; line-height: 1.75; }
.edu-feat__meta {
  display: flex; gap: 16px; align-items: center;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brass);
}
.edu-feat__meta .dot { width: 4px; height: 4px; border-radius: 50%; background: var(--brass); }
@media (max-width: 880px) {
  .edu-feat { grid-template-columns: 1fr; }
  .edu-feat__media { min-height: 240px; }
}

.edu-filter {
  display: flex; flex-wrap: wrap; gap: 0;
  border-bottom: 1px solid rgba(176,141,87,.35);
  margin-bottom: 40px;
}
.edu-filter button {
  padding: 16px 22px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--charcoal);
  border: 0;
  background: transparent;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  cursor: pointer;
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.edu-filter button:hover { color: var(--burgundy); }
.edu-filter button.active { color: var(--navy); border-bottom-color: var(--brass); }

.edu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.acard {
  display: flex; flex-direction: column;
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.3);
  text-decoration: none;
  color: inherit;
  transition: transform .35s var(--ease), border-color .35s var(--ease), box-shadow .35s var(--ease);
}
.acard:hover { transform: translateY(-4px); border-color: var(--brass); }
.acard__media {
  position: relative;
  aspect-ratio: 16 / 10;
  background:
    linear-gradient(180deg, rgba(20,39,74,.35), rgba(20,39,74,.7)),
    radial-gradient(circle at 30% 30%, #2c4d7d, #112344);
  border-bottom: 1px solid rgba(176,141,87,.35);
}
.acard__media--burg {
  background:
    linear-gradient(180deg, rgba(168,32,41,.45), rgba(20,39,74,.7)),
    radial-gradient(circle at 35% 30%, #5a1318, #2c0810);
}
.acard__media--brass {
  background:
    linear-gradient(180deg, rgba(176,141,87,.35), rgba(20,39,74,.75)),
    radial-gradient(circle at 35% 30%, #4a3a22, #1c1408);
}
.acard__tag {
  position: absolute; top: 18px; left: 18px;
  background: rgba(0,0,0,.55);
  color: var(--brass-soft);
  border: 1px solid var(--brass);
  padding: 7px 12px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
}
.acard__body { padding: 28px 28px 32px; display: flex; flex-direction: column; gap: 14px; flex: 1; }
.acard h3 {
  font-size: 19px;
  letter-spacing: .005em;
  text-transform: none;
  line-height: 1.25;
  color: var(--navy);
}
.acard p { color: var(--charcoal); font-size: 14.5px; line-height: 1.6; margin: 0; }
.acard__meta {
  margin-top: auto; padding-top: 14px;
  border-top: 1px solid rgba(176,141,87,.3);
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--brass);
}
.acard__meta .more::after { content: " →"; transition: transform .25s var(--ease); display: inline-block; }
.acard:hover .acard__meta .more::after { transform: translateX(3px); }
@media (max-width: 940px) { .edu-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .edu-grid { grid-template-columns: 1fr; } }

/* ----- Article body ----- */
.article-hero {
  background: var(--navy);
  color: var(--parchment);
  padding-block: clamp(80px, 9vw, 130px);
  position: relative;
  overflow: hidden;
}
.article-hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(70% 50% at 80% 30%, rgba(176,141,87,.18), transparent 65%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
}
.article-hero__inner { position: relative; z-index: 1; max-width: 820px; }
.article-hero .tag {
  display: inline-block;
  background: var(--burgundy);
  color: var(--parchment);
  padding: 7px 14px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.article-hero h1 {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(32px, 4.6vw, 56px);
  line-height: 1.08;
  letter-spacing: -.01em;
  color: var(--parchment);
  text-transform: none;
}
.article-hero__meta {
  margin-top: 28px;
  display: flex; gap: 14px; align-items: center; flex-wrap: wrap;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 11.5px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brass-soft);
}
.article-hero__meta .dot { width: 4px; height: 4px; border-radius: 50%; background: var(--brass); }

.article {
  display: grid;
  grid-template-columns: 1fr min(720px, calc(100% - 32px)) 1fr;
  padding-block: var(--section-y);
}
.article > * { grid-column: 2; }
.article p, .article ul, .article ol {
  font-family: var(--f-body);
  font-size: 17.5px;
  line-height: 1.8;
  color: var(--charcoal-d);
  margin: 0 0 1.1em;
}
.article h2 {
  font-family: var(--f-head); font-weight: 800;
  font-size: clamp(24px, 2.6vw, 32px);
  letter-spacing: -.005em;
  margin: 56px 0 18px;
  color: var(--navy);
  text-transform: none;
  line-height: 1.2;
}
.article h2:first-child { margin-top: 0; }
.article h3 {
  font-family: var(--f-head); font-weight: 700;
  font-size: 19px;
  letter-spacing: .02em;
  text-transform: uppercase;
  margin: 32px 0 12px;
  color: var(--burgundy);
}
.article ul, .article ol { padding-left: 1.4em; }
.article li { margin: 10px 0; }
.article strong { color: var(--navy); }
.article a { color: var(--burgundy); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(168,32,41,.4); }
.article a:hover { text-decoration-color: var(--burgundy); }

.article blockquote {
  margin: 36px 0;
  padding: 8px 0 8px 28px;
  border-left: 3px solid var(--brass);
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(20px, 2.2vw, 26px);
  line-height: 1.45;
  color: var(--navy);
}
.article hr {
  border: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--brass) 20%, var(--brass) 80%, transparent);
  margin: 56px 0;
}

.article__cta {
  margin: 48px 0;
  padding: 36px 36px;
  background: var(--navy);
  color: var(--parchment);
  border: 1px solid var(--brass);
}
.article__cta h3 {
  color: var(--parchment); text-transform: uppercase;
  font-family: var(--f-head); font-weight: 800;
  font-size: 20px; letter-spacing: .03em;
  margin: 0 0 10px;
}
.article__cta p { color: rgba(247,244,238,.85); font-size: 15.5px; margin: 0 0 22px; }
.article__cta .btn { background: var(--burgundy); color: var(--parchment); }

/* Related articles strip */
.related {
  background: var(--parchment-d);
  padding-block: clamp(60px, 7vw, 100px);
}
.related h2 { margin-bottom: 32px; }

/* ----- Bio portrait with real photo ----- */
.bio__portrait--photo {
  background: var(--parchment-d);
  overflow: hidden;
}
.bio__portrait--photo img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
}
.about__media--photo {
  background: var(--parchment-d);
  overflow: hidden;
}
.about__media--photo img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 30%; /* keep faces visible, crop more from bottom than top */
}
/* Mobile: stop the caption plate from overlapping the photo subjects.
   Move it BELOW the photo and remove the negative offsets that pushed
   it off the right edge of the screen on small viewports. */
@media (max-width: 720px) {
  .about__media { aspect-ratio: 4 / 4.5; }
  .about__media--photo img { object-position: center 25%; }
  .about__plate {
    position: static;
    margin-top: 14px;
    max-width: 100%;
    border-top: 0;
  }
}

/* ============================================================
   LOGO LAB
   ============================================================ */
.lab {
  display: grid;
  grid-template-columns: 1fr;
  gap: 56px;
  max-width: 1100px;
  margin: 0 auto;
}
.lab__card {
  background: var(--parchment);
  border: 1px solid rgba(176,141,87,.35);
  padding: 44px 44px 48px;
  position: relative;
}
.lab__card::before {
  content: "";
  position: absolute; top: 0; left: 0;
  width: 100px; height: 3px; background: var(--brass);
}
.lab__head {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 24px; flex-wrap: wrap;
  margin-bottom: 6px;
}
.lab__letter {
  font-family: var(--f-display);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: .3em;
  color: var(--brass);
  text-transform: uppercase;
}
.lab__title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(24px, 2.6vw, 32px);
  color: var(--navy);
  letter-spacing: -.005em;
  text-transform: uppercase;
  margin: 4px 0 6px;
}
.lab__sub {
  font-family: var(--f-display);
  font-style: italic;
  color: var(--charcoal);
  font-size: 15.5px;
  margin: 0 0 24px;
  max-width: 60ch;
}

.lab__row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 0;
  border: 1px solid rgba(176,141,87,.3);
  background: var(--white);
  margin-top: 24px;
}
.lab__cell {
  padding: 36px 28px;
  border-right: 1px solid rgba(176,141,87,.3);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 16px;
  min-height: 260px;
}
.lab__cell:last-child { border-right: 0; }
.lab__cell--navy { background: var(--navy); color: var(--parchment); }
.lab__cell--parch { background: var(--parchment); }
.lab__cell svg, .lab__cell img { display: block; }
.lab__cell-label {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--brass);
}
.lab__cell--navy .lab__cell-label { color: var(--brass-soft); }

.lab__notes {
  margin-top: 28px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px 40px;
}
.lab__note h4 {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--burgundy);
  margin-bottom: 10px;
}
.lab__note p { color: var(--charcoal-d); font-size: 14.5px; line-height: 1.65; margin: 0; }

@media (max-width: 880px) {
  .lab__row { grid-template-columns: 1fr; }
  .lab__cell { border-right: 0; border-bottom: 1px solid rgba(176,141,87,.3); }
  .lab__cell:last-child { border-bottom: 0; }
  .lab__notes { grid-template-columns: 1fr; }
}

/* Logo lockups */
.lockup { display: flex; align-items: center; gap: 18px; }
.lockup__type { display: flex; flex-direction: column; line-height: 1; }
.lockup__type .l1 {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 22px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--navy);
}
.lockup__type .l2 {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 10px;
  letter-spacing: .42em;
  text-transform: uppercase;
  color: var(--brass);
  margin-top: 8px;
}
.lab__cell--navy .lockup__type .l1 { color: var(--parchment); }
.lab__cell--navy .lockup__type .l2 { color: var(--brass); }