:root {
  --navy: #0d5b57;
  --navy-deep: #073b39;
  --blue: #0d5b57;
  --blue-dark: #073b39;
  --sky: #dff7ea;
  --yellow: #bff3d6;
  --mint: #bff3d6;
  --cream: #fffef9;
  --coral: #ff8e5a;
  --ink: #102a2b;
  --muted: #566d6b;
  --paper: #fffef9;
  --mist: #f7f6ef;
  --line: rgba(16, 42, 43, .13);
  --success: #168260;
  --shadow: 0 22px 70px rgba(7, 59, 57, .13);
  --radius: 26px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
body.modal-open { overflow: hidden; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; }
:focus-visible { outline: 3px solid var(--yellow); outline-offset: 3px; }
.wrap { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.pt-10 { padding-top: 10px; }
.block { display: block; }
.width100 { max-width: 100% !important; }
.concept-bar {
  padding: 8px 15px;
  background: var(--navy-deep);
  color: #d9f9e8;
  text-align: center;
  text-transform: uppercase;
  letter-spacing: .09em;
  font-size: 11px;
  font-weight: 800;
}

.site-header {
  position: sticky;
  z-index: 50;
  top: 0;
  border-bottom: 1px solid transparent;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(16px);
  transition: box-shadow .2s ease, border-color .2s ease;
}
.site-header.scrolled { border-color: var(--line); box-shadow: 0 10px 30px rgba(18,40,63,.07); }
.compliance-strip { border-bottom: 1px solid var(--line); padding: 8px 0; background: #f7faf9; color: #526866; font-size: 11px; line-height: 1.45; text-align: center; }
.compliance-strip a { color: var(--blue); font-weight: 800; text-decoration: underline; text-underline-offset: 2px; }
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: max-content; }
.brand-headshot { width: 44px; height: 44px; flex: 0 0 44px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; box-shadow: 0 6px 14px rgba(7,59,57,.25); }
.header-logo { width: auto; height: 40px; flex: 0 0 auto; }
.brand-mark { position: relative; width: 60px; height: 60px; flex: 0 0 60px; display: grid; place-items: center; overflow: hidden; border-radius: 50%; background: transparent url("team-petros-mark.svg") center / contain no-repeat; box-shadow: 0 10px 24px rgba(7,59,57,.22); transition: transform .2s ease, box-shadow .2s ease; }
.brand:hover .brand-mark { transform: translateY(-1px) rotate(-1.5deg); box-shadow: 0 14px 29px rgba(7,59,57,.28); }
.brand-mark svg { display: none; }
.brand-name { display: grid; line-height: .95; letter-spacing: -.025em; }
.brand-name strong { font-size: 17px; }
.brand-name small { margin-top: 5px; color: var(--blue); text-transform: uppercase; letter-spacing: .13em; font-size: 8px; font-weight: 900; }
.nav-links { display: flex; align-items: center; gap: 27px; color: #3e5957; font-size: 13px; font-weight: 740; }
.nav-links a { position: relative; padding: 28px 0; }
.nav-links a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 21px; height: 2px; border-radius: 2px; background: var(--blue); transition: right .2s ease; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { right: 0; }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.human-contact { min-height: 50px; display: inline-flex; align-items: center; gap: 10px; border: 1px solid rgba(13,91,87,.16); border-radius: 999px; padding: 5px 13px 5px 6px; background: rgba(255,255,255,.92); box-shadow: 0 8px 24px rgba(7,59,57,.08); transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
.human-contact:hover { border-color: rgba(13,91,87,.38); transform: translateY(-2px); box-shadow: 0 12px 28px rgba(7,59,57,.14); }
.human-contact-icon { width: 38px; height: 38px; flex: 0 0 38px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: white; box-shadow: inset 0 0 0 1px rgba(255,255,255,.12); }
.human-contact-icon svg { width: 17px; height: 17px; }
.human-contact-copy { display: grid; line-height: 1.06; }
.human-contact-copy small { color: var(--muted); text-transform: uppercase; letter-spacing: .075em; font-size: 7px; font-weight: 900; }
.human-contact-copy strong { margin-top: 4px; color: var(--navy); font-size: 12px; letter-spacing: -.01em; }
.menu-button { display: none; width: 46px; min-width: 46px; flex: 0 0 46px; padding: 0; }
.menu-button svg { flex: 0 0 18px; }

.btn {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  border: 0;
  border-radius: 999px;
  padding: 0 21px;
  cursor: pointer;
  text-align: center;
  line-height: 1.2;
  font-weight: 800;
  transition: transform .18s ease, background .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--blue); color: white; box-shadow: 0 11px 27px rgba(47,116,224,.22); }
.btn-primary:hover { background: var(--blue-dark); box-shadow: 0 14px 32px rgba(47,116,224,.28); }
.btn-dark { background: var(--navy); color: white; box-shadow: 0 11px 27px rgba(18,40,63,.18); }
.btn-dark:hover { background: var(--navy-deep); }
.btn-light { background: white; color: var(--blue); }
.btn-outline { border: 1px solid var(--line); background: transparent; color: var(--navy); }
.btn-outline:hover { border-color: var(--blue); color: var(--blue); }
.btn svg { width: 18px; height: 18px; }
.text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--blue); font-weight: 820; font-size: 14px; }
.text-link:hover { gap: 11px; }

.hero { position: relative; overflow: hidden; padding: 48px 0 58px; background: linear-gradient(135deg, #f7f6ef 0%, #effaf3 100%); }
.hero::after { content: ""; position: absolute; right: -180px; top: -240px; width: 650px; height: 650px; border: 90px solid rgba(47,116,224,.06); border-radius: 46% 54% 61% 39% / 54% 35% 65% 46%; transform: rotate(20deg); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.02fr .98fr; align-items: center; gap: clamp(48px, 7vw, 96px); }
.hero-grid > *, .partner-hero-grid > *, .service-standard > *, .answer-grid > *, .tools-grid > *, .contact-layout > * { min-width: 0; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 19px; color: var(--blue); text-transform: uppercase; letter-spacing: .12em; font-size: 11px; font-weight: 900; }
.eyebrow::before { content: ""; width: 27px; height: 3px; border-radius: 4px; background: var(--coral); }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { overflow-wrap: break-word; }
h1 { max-width: 720px; margin-bottom: 26px; font-size: clamp(52px, 6vw, 82px); line-height: 1.04; letter-spacing: -.052em; font-weight: 890; }
h2 { line-height: 1.08; letter-spacing: -.04em; }
h3 { line-height: 1.18; letter-spacing: -.02em; }
.hero h1 span { color: var(--blue); }
.hero h1 .trust-line { color: #3f8f78; }
.hero h1 { font-size: clamp(48px, 5vw, 72px); line-height: 1.04; letter-spacing: -.05em; }
.hero-lede { max-width: 630px; margin-bottom: 31px; color: #425d5a; font-size: clamp(18px, 2vw, 21px); line-height: 1.65; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 27px; }
.hero-actions .btn { min-height: 56px; padding-inline: 25px; }
.hero-actions.primary-actions { align-items: start; }
.action-stack { display: grid; justify-items: center; gap: 7px; }
.action-stack small { color: var(--muted); font-size: 11px; font-weight: 760; }
.btn-xl { min-height: 68px !important; padding-inline: 34px !important; font-size: 18px; }
.btn-approval { min-height: 70px !important; padding-inline: 38px !important; font-size: 19px; box-shadow: 0 16px 32px rgba(47,116,224,.25); }
.buyer-label { display: inline-flex; align-items: center; gap: 6px; }
.promise-row { display: flex; flex-wrap: wrap; gap: 11px 19px; color: #435e5b; font-size: 13px; font-weight: 730; }
.hero-qualifier { margin: 10px 0 0; color: #6d817f; font-size: 11px; line-height: 1.45; }
.promise-row span { display: inline-flex; align-items: center; gap: 7px; }
.promise-row svg { width: 17px; height: 17px; color: var(--success); }

.service-panel { position: relative; transform: translateY(-140px); }
.service-panel::before { content: ""; position: absolute; inset: -24px 34px -26px -30px; border-radius: 38% 62% 55% 45% / 48% 44% 56% 52%; background: var(--yellow); transform: rotate(-5deg); opacity: .87; }
.service-card { position: relative; z-index: 1; border: 1px solid rgba(255,255,255,.8); border-radius: 32px; padding: clamp(25px, 4vw, 35px); background: rgba(255,255,255,.96); box-shadow: var(--shadow); }
.panel-label { margin-bottom: 20px; color: var(--blue); text-transform: uppercase; letter-spacing: .12em; font-size: 10px; font-weight: 900; }
.service-card h2 { margin-bottom: 9px; font-size: 29px; line-height: 1.08; }
.service-card > p { margin-bottom: 24px; color: var(--muted); }
.profile-card {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-bottom: 20px;
  justify-content: center;
}
.profile-card .brand-headshot {
  width: 105px;
  height: 105px;
  flex: 0 0 105px;
}
.profile-card-copy h3 { margin-bottom: 4px; font-size: 22px; }
.profile-card-copy p { margin: 0; color: var(--muted); font-size: 16px; }
.profile-card-copy a {
  color: var(--blue);
  font-weight: 780;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.profile-card-copy a:hover {
  color: var(--blue-dark);
}
.goal-choices { display: grid; gap: 10px; }
.goal-choices.expanded { grid-template-columns: repeat(2, 1fr); }
.goal-choices.expanded .goal-choice { min-height: 64px; line-height: 1.25; }
.goal-choice { width: 100%; min-height: 57px; display: flex; align-items: center; justify-content: space-between; gap: 18px; border: 1px solid var(--blue); border-radius: 16px; padding: 0 17px; background: #effaf3; color: var(--blue); cursor: pointer; text-align: left; font-weight: 780; }
.goal-choice:hover, .goal-choice:focus-visible, .goal-choice.active { border-color: var(--blue-dark); background: #dff7ea; color: var(--blue-dark); }
.goal-choice span:last-child { width: 31px; height: 31px; display: grid; place-items: center; border-radius: 50%; background: var(--mist); color: var(--blue); }
.panel-apply-link { display: inline-flex; margin-top: 18px; color: var(--blue); font-size: 14px; font-weight: 850; }
.panel-apply-link:hover { color: var(--navy); }
.choice-result { display: none; margin-top: 17px; border-radius: 17px; padding: 18px; background: var(--navy); color: white; }
.choice-result.visible { display: block; animation: rise .22s ease; }
.choice-result small { display: block; margin-bottom: 6px; color: #a9c7e8; text-transform: uppercase; letter-spacing: .09em; font-size: 9px; font-weight: 850; }
.choice-result strong { display: block; margin-bottom: 10px; font-size: 17px; }
.choice-result .text-link { color: var(--yellow); }

.trust-strip { border-block: 1px solid var(--line); background: white; }
.trust-grid { min-height: 90px; display: grid; grid-template-columns: 1.15fr repeat(3, 1fr); align-items: center; gap: 20px; }
.trust-grid > strong { font-size: 15px; }
.trust-item { display: flex; align-items: center; gap: 11px; color: var(--muted); font-size: 12px; font-weight: 750; }
.trust-item svg { flex: 0 0 auto; width: 22px; height: 22px; color: var(--blue); }

.section { padding: 100px 0; }
.section.loans, .section.questions, .section.action-card { padding: 20px 0 74px 0; }
.section-soft { background: var(--mist); }
.home-service-section { border-top: 1px solid rgba(16,42,43,.08); padding-top: 72px; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 34px; margin-bottom: 50px; }
.section-kicker { margin-bottom: 13px; color: var(--blue); text-transform: uppercase; letter-spacing: .12em; font-size: 11px; font-weight: 900; }
.section-title { max-width: 760px; margin-bottom: 0; font-size: clamp(38px, 5vw, 60px); line-height: 1.03; }
.questions .section-title { max-width: 100%; }
.section-intro { max-width: 520px; margin: 0; color: var(--muted); font-size: 16px; line-height: 1.7; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.info-card { position: relative; min-height: 270px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; background: white; }
.info-card-icon { width: 47px; height: 47px; display: grid; place-items: center; margin-bottom: 46px; border-radius: 16px; background: var(--sky); color: var(--blue); }
.info-card-icon svg { width: 25px; height: 25px; }
.info-card h3 { margin-bottom: 10px; font-size: 22px; }
.info-card p { margin-bottom: 19px; color: var(--muted); font-size: 14px; line-height: 1.65; }
.info-card::after { content: ""; position: absolute; right: -55px; top: -55px; width: 130px; height: 130px; border: 22px solid rgba(47,116,224,.05); border-radius: 50%; }
.info-card.featured { background: var(--navy); color: white; }
.info-card.featured p { color: #bfd0e1; }
.info-card.featured .info-card-icon { background: rgba(255,207,91,.14); color: var(--yellow); }
.info-card.featured .text-link { color: var(--yellow); }
.info-card {
  display: flex;
  flex-direction: column;
}
.info-card .btn {
  margin-top: auto;
  align-self: flex-start;
}
.service-standard { display: grid; grid-template-columns: .9fr 1.1fr; gap: 70px; align-items: center; }
.standard-copy h2 { margin-bottom: 20px; font-size: clamp(40px, 5vw, 62px); line-height: 1.04; }
.standard-copy > p { margin-bottom: 26px; color: var(--muted); font-size: 17px; line-height: 1.7; }
.standards { display: grid; gap: 11px; }
.standard { display: grid; grid-template-columns: 45px 1fr; gap: 15px; align-items: start; border: 1px solid var(--line); border-radius: 18px; padding: 18px; background: white; }
.standard-number { width: 45px; height: 45px; display: grid; place-items: center; border-radius: 14px; background: var(--sky); color: var(--blue); font-size: 11px; font-weight: 900; }
.standard h3 { margin: 1px 0 5px; font-size: 17px; }
.standard p { margin: 0; color: var(--muted); font-size: 13px; }

.answer-band { border-block: 1px solid var(--line); background: var(--paper); }
.answer-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 42px; align-items: center; padding-block: 43px; }
.answer-grid h2 { margin-bottom: 9px; font-size: clamp(27px, 3vw, 38px); }
.answer-grid p { margin: 0; color: var(--muted); }
.answer-points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 9px; }
.answer-point { border-radius: 15px; padding: 15px; background: var(--mist); }
.answer-point strong { display: block; margin-bottom: 4px; color: var(--blue); font-size: 14px; }
.answer-point small { color: var(--muted); line-height: 1.4; }
.compare-band { display: grid; grid-template-columns: 1fr auto 1fr; gap: 23px; align-items: stretch; margin-top: 30px; }
.compare-card { border: 1px solid var(--line); border-radius: 22px; padding: 24px; background: white; }
.compare-card.team { border-color: var(--blue); background: #effaf3; }
.compare-card h3 { margin-bottom: 15px; }
.compare-card ul { display: grid; gap: 9px; margin: 0; padding: 0; list-style: none; color: var(--muted); font-size: 13px; }
.compare-card li { display: flex; gap: 8px; }
.compare-card li::before { content: "✓"; color: var(--success); font-weight: 900; }
.compare-card li.cross::before { content: "\2715"; }
.compare-vs { align-self: center; width: 43px; height: 43px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: white; font-size: 10px; font-weight: 900; }
.urgent-card { border: 1px solid var(--line); border-radius: 23px; padding: 27px; background: var(--navy); color: white; }
.urgent-card .status-pill { margin-bottom: 25px; }
.urgent-card h3 { margin-bottom: 11px; font-size: 25px; }
.urgent-card p { color: #c8e6df; }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { border-radius: 999px; padding: 7px 11px; background: var(--sky); color: var(--blue); font-size: 10px; font-weight: 850; }
.standard-copy .pill-row { margin-bottom: 28px; }
.standard-copy .pill-row + p { margin: 0; }
#rsu-income { padding-block: 76px; }
.metric-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 25px; }
.metric { border-radius: 17px; padding: 17px; background: rgba(255,255,255,.09); }
.metric strong { display: block; margin-bottom: 4px; color: var(--yellow); font-size: 18px; }
.metric small { color: #c4ded8; }
.disclosure-box { margin-top: 22px; border-left: 3px solid var(--coral); border-radius: 0 13px 13px 0; padding: 14px 16px; background: #fff5ef; color: #6d5a50; font-size: 11px; }
.discovery-card { display: grid; grid-template-columns: 1.05fr .95fr; gap: 28px; align-items: center; margin-top: 22px; border: 1px solid var(--line); border-radius: 24px; padding: 28px; background: var(--navy); color: white; }
.discovery-card h3 { margin-bottom: 9px; font-size: 25px; }
.discovery-card p { margin: 0; color: #c8e6df; }
.discovery-links { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.discovery-links a { display: flex; align-items: center; justify-content: space-between; gap: 12px; border: 1px solid rgba(255,255,255,.16); border-radius: 14px; padding: 13px 14px; background: rgba(255,255,255,.07); color: white; font-size: 12px; font-weight: 780; }
.discovery-links a:hover { border-color: var(--mint); background: rgba(191,243,214,.1); }

.approval-page { min-height: calc(100vh - 114px); padding: 54px 0 80px; background: radial-gradient(circle at 12% 7%, rgba(191,243,214,.72), transparent 30%), linear-gradient(145deg, var(--cream), #edf8f5); }
.approval-intro { max-width: 790px; margin: 0 auto 30px; text-align: center; }
.approval-intro h1 { max-width: 760px; margin: 0 auto 15px; color: var(--navy); font-size: clamp(45px, 7vw, 77px); }
.approval-intro h1 span { color: var(--blue); }
.approval-intro > p { max-width: 650px; margin: 0 auto; color: var(--muted); font-size: 17px; }
.approval-trust { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 18px; margin-top: 18px; color: var(--navy); font-size: 12px; font-weight: 780; }
.approval-trust span { display: inline-flex; align-items: center; gap: 7px; }
.approval-trust span::before { content: "✓"; width: 20px; height: 20px; display: grid; place-items: center; border-radius: 50%; background: var(--mint); color: var(--navy); font-size: 11px; }
.approval-card { max-width: 760px; margin: 0 auto; overflow: hidden; border: 1px solid var(--line); border-radius: 30px; background: white; box-shadow: 0 26px 70px rgba(18,40,63,.16); }
.approval-progress { height: 7px; background: #e4ebf1; }
.approval-progress span { display: block; width: 25%; height: 100%; background: linear-gradient(90deg, var(--blue), var(--success)); transition: width .25s ease; }
.approval-card-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; border-bottom: 1px solid var(--line); padding: 18px 28px; }
.approval-card-head small { color: var(--muted); font-weight: 750; }
.approval-card-head a { color: var(--navy); font-size: 12px; font-weight: 800; }
.approval-form { padding: clamp(25px, 5vw, 42px); }
.approval-step { display: none; }
.approval-step.active { display: block; animation: rise .25s ease both; }
.approval-step h2 { margin-bottom: 8px; font-size: clamp(31px, 4vw, 43px); }
.approval-step > p { margin-top: 0; color: var(--muted); }
.approval-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-top: 25px; }
.approval-option { position: relative; display: block; }
.approval-option input { position: absolute; opacity: 0; pointer-events: none; }
.approval-option span { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 12px; border: 1px solid var(--line); border-radius: 17px; padding: 17px 18px; background: white; color: var(--navy); cursor: pointer; font-size: 14px; font-weight: 800; transition: .18s ease; }
.approval-option span::after { content: "→"; color: var(--blue); }
.approval-option input:focus-visible + span { outline: 3px solid rgba(47,116,224,.18); border-color: var(--blue); }
.approval-option input:checked + span { border-color: var(--blue); background: var(--sky); box-shadow: inset 0 0 0 1px var(--blue); }
.approval-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 25px; }
.approval-actions { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: 28px; }
.approval-back { border: 0; padding: 10px 0; background: transparent; color: var(--muted); cursor: pointer; font-weight: 780; }
.approval-back[hidden] { display: block; visibility: hidden; }
.approval-complete { text-align: center; }
.approval-complete-icon { width: 76px; height: 76px; display: grid; place-items: center; margin: 0 auto 21px; border-radius: 24px; background: var(--mint); color: var(--navy); font-size: 34px; font-weight: 900; }
.approval-complete .disclosure-box { text-align: left; }
.approval-next-list { display: grid; gap: 10px; margin: 23px 0; text-align: left; }
.approval-next-list div { display: grid; grid-template-columns: 28px 1fr; gap: 10px; align-items: start; border-radius: 14px; padding: 13px; background: var(--mist); }
.approval-next-list strong { display: block; font-size: 13px; }
.approval-next-list small { color: var(--muted); }
.discovery-links { display: flex; flex-wrap: wrap; gap: 8px; }
.discovery-links a { border-radius: 999px; padding: 9px 12px; background: rgba(255,255,255,.1); color: var(--yellow); font-size: 11px; font-weight: 820; }
.discovery-links a:hover { background: rgba(255,255,255,.16); }

.cta-card { position: relative; overflow: hidden; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 30px; border-radius: 34px; padding: clamp(34px, 6vw, 64px); background: var(--blue); color: white; }
.cta-card::before { content: ""; position: absolute; right: 180px; top: -110px; width: 300px; height: 300px; border: 60px solid rgba(255,255,255,.08); border-radius: 50%; }
.cta-card > * { position: relative; z-index: 1; }
.cta-card h2 { max-width: 730px; margin-bottom: 12px; font-size: clamp(35px, 4.5vw, 55px); line-height: 1.03; }
.cta-card p { max-width: 700px; margin: 0; color: #dceaff; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.text-white { color: #ffffff !important; }
.page-hero { position: relative; overflow: hidden; padding: 85px 0 78px; background: var(--navy); color: white; }
.page-hero::after { content: ""; position: absolute; right: -150px; top: -230px; width: 620px; height: 620px; border: 90px solid rgba(255,207,91,.11); border-radius: 48% 52% 42% 58%; transform: rotate(16deg); }
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero .eyebrow { color: var(--yellow); }
.page-hero h1 { max-width: 900px; margin-bottom: 28px; font-size: clamp(46px, 5.5vw, 72px); line-height: 1.06; letter-spacing: -.045em; }
.page-hero p:not(.eyebrow):not(.section-kicker) { max-width: 720px; margin-bottom: 0; color: #c6d5e4; font-size: 18px; line-height: 1.65; }
.page-hero .eyebrow { margin-bottom: 20px; color: var(--yellow); font-size: 11px; line-height: 1.3; }
.page-hero .hero-actions { margin-top: 30px; margin-bottom: 0; }
.page-hero .btn-outline { border-color: rgba(255,255,255,.36); color: white; }
.page-hero .btn-outline:hover { border-color: white; background: rgba(255,255,255,.08); color: white; }
.breadcrumbs { display: flex; gap: 8px; margin-bottom: 25px; color: #9fb6cc; font-size: 11px; font-weight: 760; }
.breadcrumbs a:hover { color: white; }

.feature-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.feature-card { border: 1px solid var(--line); border-radius: 25px; padding: 30px; background: white; }
.apply-card { cursor: pointer; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.apply-card:hover, .apply-card:focus-visible { transform: translateY(-4px); border-color: rgba(0,101,94,.45); box-shadow: 0 18px 42px rgba(10,42,41,.12); outline: none; }
.apply-card .text-link { display: inline-flex; margin-top: 4px; }
.feature-card .tag { display: inline-flex; margin-bottom: 25px; border-radius: 999px; padding: 7px 11px; background: var(--sky); color: var(--blue); font-size: 10px; font-weight: 900; text-transform: uppercase; letter-spacing: .08em; }
.feature-card h2, .feature-card h3 { margin-bottom: 12px; font-size: 26px; line-height: 1.18; }
.feature-card p { color: var(--muted); line-height: 1.65; }
.check-list { display: grid; gap: 10px; margin: 20px 0 0; padding: 0; list-style: none; }
.check-list li { display: flex; align-items: start; gap: 10px; color: #43576a; font-size: 14px; }
.check-list svg { flex: 0 0 auto; width: 18px; height: 18px; margin-top: 2px; color: var(--success); }

.tab-bar { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 30px; }
.tab-button { min-height: 43px; border: 1px solid var(--line); border-radius: 999px; padding: 0 17px; background: white; color: var(--muted); cursor: pointer; font-size: 13px; font-weight: 780; }
.tab-button.active { border-color: var(--blue); background: var(--blue); color: white; }
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: rise .24s ease; }

.process-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 68px; align-items: start; }
.process-nav { position: sticky; top: 115px; border-radius: 25px; padding: 29px; background: var(--navy); color: white; }
.process-nav h2 { margin-bottom: 9px; font-size: 28px; }
.process-nav p { margin-bottom: 23px; color: #b9ccde; font-size: 14px; }
.process-nav a { display: flex; align-items: center; justify-content: space-between; gap: 15px; border-top: 1px solid rgba(255,255,255,.12); padding: 15px 0; color: #d6e2ed; font-size: 13px; font-weight: 760; }
.process-nav a:hover { color: var(--yellow); }
.process-steps { display: grid; gap: 18px; }
.process-step { border: 1px solid var(--line); border-radius: 24px; padding: 28px; background: white; scroll-margin-top: 110px; }
.process-step-top { display: flex; align-items: center; gap: 15px; margin-bottom: 16px; }
.process-step-number { width: 43px; height: 43px; display: grid; place-items: center; border-radius: 14px; background: var(--sky); color: var(--blue); font-size: 11px; font-weight: 900; }
.process-step h3 { margin: 0; font-size: 23px; }
.process-step p { margin-bottom: 0; color: var(--muted); }

.tools-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 22px; align-items: start; }
.tools-grid-single { grid-template-columns: minmax(0, 820px); justify-content: center; }
.tool-link-card { display: flex; align-items: center; justify-content: space-between; gap: 28px; border: 1px solid var(--line); border-radius: 27px; padding: clamp(25px, 4vw, 36px); background: white; box-shadow: 0 15px 38px rgba(10,42,41,.08); }
.tool-link-card h2 { margin-bottom: 8px; font-size: 29px; }
.tool-link-card p { max-width: 720px; margin-bottom: 0; color: var(--muted); line-height: 1.65; }
.buydown-accordion {
  position: relative;
  margin-top: 16px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 27px;
  background: white;
  min-height: 220px;
}
.buydown-accordion iframe {
  display: block;
  width: 100%;
  min-height: 720px;
  border: 0;
}
.buydown-loading {
  position: absolute;
  inset: 0;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  background: white;
  color: var(--muted);
  font-size: 14px;
  font-weight: 720;
}
.buydown-spinner {
  width: 28px;
  height: 28px;
  border: 3px solid var(--line);
  border-top-color: var(--blue);
  border-radius: 50%;
  animation: spin .7s linear infinite;
}
.buydown-accordion.is-ready .buydown-loading { display: none; }
@keyframes spin { to { transform: rotate(360deg); } }
.tool-card { border: 1px solid var(--line); border-radius: 27px; padding: clamp(25px, 4vw, 34px); background: white; }
.tool-card h2 { margin-bottom: 7px; font-size: 29px; }
.tool-card > p { color: var(--muted); }
.range-group { margin: 25px 0; }
.range-label { display: flex; align-items: end; justify-content: space-between; gap: 18px; margin-bottom: 10px; }
.range-label label { color: var(--muted); font-size: 13px; font-weight: 730; }
.range-label output { font-size: 21px; font-weight: 880; letter-spacing: -.03em; }
input[type="range"] { width: 100%; height: 5px; appearance: none; border-radius: 999px; background: linear-gradient(to right, var(--blue) 0 var(--fill,50%), #dce3eb var(--fill,50%) 100%); cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { width: 22px; height: 22px; appearance: none; border: 5px solid white; border-radius: 50%; background: var(--blue); box-shadow: 0 2px 9px rgba(18,40,63,.26); }
input[type="range"]::-moz-range-thumb { width: 12px; height: 12px; border: 5px solid white; border-radius: 50%; background: var(--blue); box-shadow: 0 2px 9px rgba(18,40,63,.26); }
.term-row { display: flex; gap: 8px; margin-bottom: 20px; }
.rate-field { margin: 25px 0; }
.rate-field > label { display: block; margin-bottom: 8px; color: var(--muted); font-size: 13px; font-weight: 730; }
.rate-input-wrap { display: flex; align-items: center; max-width: 220px; border: 1px solid var(--line); border-radius: 14px; background: white; }
.rate-input-wrap:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,101,94,.1); }
.rate-input-wrap input { min-width: 0; width: 100%; border: 0; padding: 12px 14px; background: transparent; color: var(--ink); font: inherit; font-size: 18px; font-weight: 800; outline: none; }
.rate-input-wrap span { padding-right: 14px; color: var(--muted); font-weight: 800; }
.rate-field small { display: block; margin-top: 7px; color: var(--muted); font-size: 11px; }
.term-button { border: 1px solid var(--line); border-radius: 999px; padding: 7px 13px; background: white; color: var(--muted); cursor: pointer; font-size: 12px; font-weight: 760; }
.term-button.active { border-color: var(--navy); background: var(--navy); color: white; }
.calc-result { border-radius: 19px; padding: 20px; background: var(--blue); color: white; }
.calc-result small { color: #d9f9e8; }
.calc-payment { margin-top: 2px; font-size: 37px; font-weight: 900; letter-spacing: -.05em; }
.calc-payment span { font-size: 13px; letter-spacing: 0; font-weight: 700; }
.fine-print { margin: 11px 0 0; color: #758698; font-size: 10px; line-height: 1.5; }

.checklist { display: grid; gap: 10px; margin-top: 23px; }
.check-item { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; border: 1px solid var(--line); border-radius: 14px; padding: 14px; cursor: pointer; }
.check-item input { width: 19px; height: 19px; margin: 2px 0 0; accent-color: var(--success); }
.check-item strong { display: block; margin-bottom: 3px; font-size: 14px; }
.check-item small { display: block; color: var(--muted); }
.check-progress { height: 8px; overflow: hidden; margin: 17px 0 7px; border-radius: 999px; background: #e1e7ee; }
.check-progress span { display: block; width: 0; height: 100%; border-radius: inherit; background: var(--success); transition: width .2s ease; }
.progress-label { color: var(--muted); font-size: 11px; }

.partner-hero-grid { display: grid; grid-template-columns: 1fr .85fr; gap: 60px; align-items: center; }
.partner-hero-grid h1 { max-width: 100%; font-size: clamp(44px, 5.2vw, 68px); line-height: 1.07; }
.partner-board { border: 1px solid rgba(255,255,255,.18); border-radius: 28px; padding: 26px; background: rgba(255,255,255,.08); backdrop-filter: blur(10px); }
.partner-board-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 20px; }
.partner-board h2 { margin: 0; font-size: 20px; }
.status-pill { display: inline-flex; align-items: center; gap: 7px; border-radius: 999px; padding: 7px 10px; background: rgba(27,132,103,.25); color: #b9f0de; text-transform: uppercase; letter-spacing: .08em; font-size: 9px; font-weight: 900; }
.status-pill::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #58d5ad; box-shadow: 0 0 0 5px rgba(88,213,173,.13); }
.milestone { position: relative; display: grid; grid-template-columns: 32px 1fr auto; gap: 12px; align-items: center; padding: 13px 0; border-top: 1px solid rgba(255,255,255,.12); }
.milestone-icon { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 10px; background: rgba(255,255,255,.1); color: var(--yellow); font-size: 11px; font-weight: 900; }
.milestone strong { display: block; font-size: 13px; }
.milestone small { color: #a9bfd4; }
.milestone > span:last-child { color: #b9f0de; font-size: 11px; font-weight: 800; }

.roles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.role-card { border: 1px solid var(--line); border-radius: 24px; padding: 27px; background: white; }
.role-avatar { width: 58px; height: 58px; display: grid; place-items: center; margin-bottom: 25px; border-radius: 18px; background: var(--sky); color: var(--blue); font-size: 20px; font-weight: 900; }
.role-card h3 { margin-bottom: 8px; font-size: 21px; }
.role-card p { margin: 0; color: var(--muted); font-size: 14px; }
.placeholder-note { display: inline-flex; margin-top: 15px; border-radius: 999px; padding: 6px 10px; background: #fff4d6; color: #815f08; font-size: 9px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }

.value-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.value { border-left: 4px solid var(--yellow); border-radius: 0 18px 18px 0; padding: 23px 25px; background: var(--mist); }
.value h3 { margin-bottom: 8px; }
.value p { margin: 0; color: var(--muted); }

.contact-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 55px; align-items: start; }
.contact-copy h2 { margin-bottom: 18px; font-size: clamp(37px, 4vw, 52px); line-height: 1.05; }
.contact-copy > p { color: var(--muted); font-size: 16px; }
.contact-paths { display: grid; gap: 10px; margin-top: 26px; }
.contact-path { display: flex; align-items: center; gap: 14px; border: 1px solid var(--line); border-radius: 17px; padding: 16px; background: white; }
.contact-path-icon { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 13px; background: var(--sky); color: var(--blue); }
.contact-path-icon svg { width: 21px; height: 21px; }
.contact-path strong { display: block; font-size: 14px; }
.contact-path small { color: var(--muted); }
.form-card { border: 1px solid var(--line); border-radius: 28px; padding: clamp(25px, 5vw, 38px); background: white; box-shadow: var(--shadow); }
.form-card h2 { margin-bottom: 7px; font-size: 30px; }
.form-card > p { color: var(--muted); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 25px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 12px; font-weight: 790; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid var(--line); border-radius: 13px; padding: 0 14px; background: white; color: var(--ink); }
.field input, .field select { min-height: 50px; }
.field textarea { min-height: 115px; padding-top: 13px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue); outline: 3px solid rgba(47,116,224,.13); }
/* .form-actions { display: flex; align-items: center; gap: 14px; margin-top: 21px; } */
.form-card .form-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  margin-top: 21px;
  text-align: center;
}
.form-card .form-actions .text-link {
  font-size: 12px;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.form-note { color: #7b8c9b; font-size: 10px; }
.form-success { display: none; margin-top: 18px; border-radius: 14px; padding: 15px; background: #e9f8f2; color: #176b55; font-size: 13px; font-weight: 720; }
.form-success.visible { display: block; }

.faq-list { display: grid; gap: 10px; }
details { border: 1px solid var(--line); border-radius: 17px; padding: 0 19px; background: white; }
summary { position: relative; list-style: none; padding: 18px 42px 18px 0; cursor: pointer; font-weight: 790; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; top: 13px; right: 0; width: 31px; height: 31px; display: grid; place-items: center; border-radius: 50%; background: var(--mist); color: var(--blue); font-size: 20px; transition: transform .2s ease; }
details[open] summary::after { transform: rotate(45deg); }
details p { margin: -4px 38px 18px 0; color: var(--muted); font-size: 14px; }

.site-footer { padding: 65px 0 30px; background: var(--navy-deep); color: white; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, .7fr); gap: 45px; padding-bottom: 45px; }
.footer-brand p { max-width: 340px; margin: 20px 0 0; color: #9fb3c7; font-size: 13px; }
.footer-title { margin-bottom: 15px; color: #6f8aa3; text-transform: uppercase; letter-spacing: .1em; font-size: 9px; font-weight: 900; }
.footer-links { display: grid; gap: 10px; color: #c5d2df; font-size: 12px; }
.footer-links a:hover { color: var(--yellow); }
.footer-bottom { display: flex; justify-content: space-between; align-items: start; gap: 28px; border-top: 1px solid rgba(255,255,255,.1); padding-top: 23px; color: #738ba2; font-size: 9px; line-height: 1.6; }
.footer-bottom p { max-width: 890px; margin: 0; }
.footer-bottom a { color: #c4d6e5; text-decoration: underline; text-underline-offset: 2px; }
.footer-logo-bottom { width: 292px; }
.footer-logo-white { flex: 0 0 auto; width: auto; height: 28px; margin-bottom: 14px; opacity: .95; }
.footer-disclaimer { display: flex; align-items: flex-start; gap: 12px; }
.equal-housing-logo { flex: 0 0 26px; width: 26px; height: 26px; margin-top: 1px; opacity: .85; }

.notfound-disclosure { background: var(--navy-deep); color: #738ba2; font-size: 10px; line-height: 1.6; padding: 22px 0; }
.notfound-disclosure a { color: #c4d6e5; text-decoration: underline; text-underline-offset: 2px; }
.mobile-cta { display: none; }

.reveal { opacity: 0; transform: translateY(17px); transition: opacity .58s ease, transform .58s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@keyframes rise { from { opacity: 0; transform: translateY(10px); } }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

@media (max-width: 980px) {
  .nav-links { display: none; position: absolute; top: 76px; left: 20px; right: 20px; max-height: calc(100vh - 100px); overflow-y: auto; align-items: stretch; flex-direction: column; gap: 2px; border: 1px solid var(--line); border-radius: 21px; padding: 13px; background: white; box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
  .nav-links a::after { display: none; }
  .nav-actions > .btn-primary { display: none; }
  .human-contact { width: 42px; min-width: 42px; min-height: 42px; justify-content: center; padding: 0; }
  .human-contact-icon { width: 42px; height: 42px; flex-basis: 42px; }
  .human-contact-copy { display: none; }
  .nav-actions > .menu-button { display: inline-flex; }
  .hero-grid, .service-standard, .tools-grid, .partner-hero-grid, .contact-layout { grid-template-columns: 1fr; }
  .answer-grid { grid-template-columns: 1fr; }
  .hero-copy { text-align: center; }
  .hero-lede { margin-inline: auto; }
  .hero-actions, .promise-row { justify-content: center; }
  .service-panel { width: min(100%, 620px); margin-inline: auto; }
  .service-panel { transform: none; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); padding: 24px 0; }
  .section-head { align-items: start; flex-direction: column; }
  .page-hero { padding: 66px 0; }
  .page-hero h1 { max-width: 780px; font-size: clamp(44px, 8vw, 66px); line-height: 1.06; }
  .card-grid { grid-template-columns: 1fr; }
  .info-card { min-height: 0; }
  .info-card-icon { margin-bottom: 32px; }
  .process-layout { grid-template-columns: 1fr; gap: 30px; }
  .process-nav { position: static; }
  .footer-grid { grid-template-columns: 1.3fr repeat(2, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  .tool-link-card { align-items: stretch; flex-direction: column; }
  .reveal { opacity: 1; transform: none; }
  .wrap { width: min(calc(100% - 28px), var(--max)); }
  .concept-bar { font-size: 9px; }
  .nav { min-height: 68px; }
  .nav { gap: 15px; }
  .brand-mark { width: 50px; height: 50px; flex-basis: 50px; border-radius: 50%; }
  .brand-headshot { width: 36px; height: 36px; flex-basis: 36px; }
  .header-logo { height: 22px; }
  .brand-name strong { font-size: 15px; }
  .nav-links { top: 68px; left: 14px; right: 14px; }
  .hero { padding: 38px 0 52px; }
  h1 { font-size: clamp(46px, 14vw, 66px); }
  .hero h1 { font-size: clamp(40px, 11.5vw, 52px); line-height: 1.07; letter-spacing: -.045em; }
  .hero-actions { display: grid; }
  .hero-actions .btn { width: 100%; }
  .action-stack { width: 100%; }
  .goal-choices.expanded { grid-template-columns: 1fr; }
  .discovery-card { grid-template-columns: 1fr; }
  .discovery-links, .approval-options, .approval-fields { grid-template-columns: 1fr; }
  .approval-page { padding-top: 38px; }
  .approval-card-head { padding-inline: 20px; }
  .approval-form { padding: 26px 20px 30px; }
  .service-panel::before { inset: -15px -7px -20px -7px; }
  .service-card { border-radius: 25px; }
  .trust-grid { grid-template-columns: 1fr; gap: 15px; }
  .section { padding: 74px 0; }
  .home-service-section { padding-top: 56px; }
  #rsu-income { padding-block: 60px; }
  .section-head { margin-bottom: 37px; }
  .section-title { font-size: clamp(36px, 11vw, 49px); }
  .feature-grid, .roles-grid, .value-grid { grid-template-columns: 1fr; }
  .answer-points, .metric-row { grid-template-columns: 1fr; }
  .compare-band { grid-template-columns: 1fr; }
  .compare-vs { margin-inline: auto; }
  .cta-card { grid-template-columns: 1fr; padding: 34px 25px; border-radius: 27px; }
  .cta-actions { display: grid; }
  .cta-actions .btn { width: 100%; }
  .page-hero { padding: 52px 0 56px; }
  .page-hero h1 { margin-bottom: 22px; font-size: clamp(38px, 11vw, 52px); line-height: 1.08; letter-spacing: -.04em; }
  .page-hero p:not(.eyebrow):not(.section-kicker) { font-size: 17px; line-height: 1.6; }
  .page-hero .hero-actions { margin-top: 24px; gap: 10px; }
  .process-nav { padding: 24px; }
  .tool-card { border-radius: 22px; }
  .contact-layout { gap: 35px; }
  .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .form-actions { align-items: stretch; flex-direction: column; }
  .form-card .form-actions .btn { width: auto; }
  .form-actions .btn { width: 100%; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; }
  .mobile-cta { position: fixed; z-index: 45; left: 12px; right: 12px; bottom: 12px; min-height: 55px; display: flex; opacity: 0; pointer-events: none; transform: translateY(78px); background: var(--blue); color: white; box-shadow: 0 12px 35px rgba(18,40,63,.3); }
  .mobile-cta.show { opacity: 1; pointer-events: auto; transform: translateY(0); }
  .mobile-cta.show:hover { transform: translateY(-2px); }
  .site-footer { padding-bottom: 90px; }
}
@media (min-width: 981px) and (max-width: 1980px) {
  .menu-button {
    display: none;
  }
}