/* ============================================================
   EAGLES FUNDING GROUP — Premium Redesign
   Design system: navy + blue + yellow, Sora/Inter, soft shadows
   ============================================================ */

:root {
  /* Brand — 009FE3 blue, metallic gold, sky-blue white, black blaze */
  --navy-900: #050508;
  --navy-800: #0A0A12;
  --navy-700: #10101C;
  --navy-600: #16162A;
  --blue-700: #0073A8;
  --blue-600: #009FE3;
  --blue-500: #009FE3;
  --blue-400: #33B2E8;
  --blue-100: #D6F0FC;
  --sky-50: #EAF7FD;
  --gold-500: #D4AF37;
  --gold-600: #B8942A;
  --gold-400: #E8C95A;
  --gold-50: #FBF3D9;
  --ink: #0A0A12;
  --body: #475569;
  --muted: #64748B;
  --line: #E2E8F0;
  --white: #FFFFFF;
  --bg-alt: #F0F9FF;

  /* Metallic gold sheen */
  --gold-sheen: linear-gradient(135deg, #E8C95A 0%, #D4AF37 35%, #F5E08A 50%, #B8942A 65%, #D4AF37 100%);
  --gold-text: linear-gradient(135deg, #E8C95A, #D4AF37 45%, #F5E08A 55%, #B8942A);
  --gold-glow: 0 0 24px rgba(212,175,55,.45);

  /* Type */
  --font-display: 'Sora', 'Segoe UI', system-ui, sans-serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, sans-serif;

  /* Shape */
  --r-lg: 20px;
  --r-md: 14px;
  --r-sm: 10px;
  --shadow-sm: 0 1px 3px rgba(5,5,8,.06), 0 1px 2px rgba(5,5,8,.04);
  --shadow-md: 0 6px 16px -4px rgba(5,5,8,.10), 0 2px 6px rgba(5,5,8,.05);
  --shadow-lg: 0 24px 48px -12px rgba(5,5,8,.18), 0 8px 16px -8px rgba(5,5,8,.08);
  --shadow-blue: 0 12px 28px -8px rgba(0,159,227,.35);
  --shadow-gold: 0 12px 28px -8px rgba(212,175,55,.4);

  /* Layout */
  --container: 1240px;
  --section-pad: clamp(72px, 9vw, 120px);
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--body);
  font-size: 16.5px;
  line-height: 1.65;
  background: var(--white);
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-600); text-decoration: none; }
a:hover { color: var(--blue-700); }
h1,h2,h3,h4,h5 { font-family: var(--font-display); color: var(--ink); line-height: 1.15; font-weight: 700; letter-spacing: -0.02em; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; }
::selection { background: var(--gold-500); color: var(--navy-900); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 clamp(20px, 4vw, 32px); }
.section { padding: var(--section-pad) 0; }
.section-alt { background: var(--bg-alt); }
.section-navy { color: #C9D8EA; background:
    radial-gradient(900px 420px at 12% -10%, rgba(255,255,255,.14), transparent 55%),
    radial-gradient(700px 380px at 96% 118%, rgba(212,175,55,.18), transparent 52%),
    linear-gradient(160deg, #009FE3 0%, #0073A8 52%, #00598A 100%); }
.section-navy h2, .section-navy h3, .section-navy h4 { color: #fff; }
.section-sky { background: linear-gradient(180deg, var(--sky-50), #E0F0FF); }

/* Eyebrow + section headers */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-display); font-weight: 600; font-size: 16px;
  letter-spacing: .16em; text-transform: uppercase; color: var(--blue-600);
  margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 34px; height: 3px; border-radius: 2px; background: var(--gold-sheen); }
.eyebrow.center { justify-content: center; }
.eyebrow.center::after { content: ""; width: 34px; height: 3px; border-radius: 2px; background: var(--gold-sheen); }
.section-head { max-width: 760px; margin-bottom: clamp(36px, 5vw, 56px); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(36px, 5vw, 58px); margin-bottom: 16px; }
/* Resources calculator heading stays on one line at every viewport
   (direct-child scope: only resources.html — index uses .calc-suite-head) */
#calculator > .container > .section-head h2 { white-space: nowrap; font-size: clamp(22px, 4.6vw, 48px); }
.section-head p { font-size: 18px; color: var(--muted); }
.section-navy .section-head p { color: #A6BED4; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-display); font-weight: 600; font-size: 15.5px;
  padding: 15px 28px; border-radius: 12px; border: 2px solid transparent;
  cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space: nowrap; line-height: 1.2;
}
.btn:active { transform: translateY(1px) scale(.99); }
.btn-primary { background: var(--blue-600); color: #fff; box-shadow: var(--shadow-blue); }
.btn-primary:hover { background: var(--blue-700); color: #fff; transform: translateY(-2px); box-shadow: 0 16px 32px -8px rgba(0,159,227,.45); }
.btn-accent { background: var(--gold-sheen); background-size: 200% 100%; color: var(--navy-900); box-shadow: var(--shadow-gold); }
.btn-accent:hover { background-position: 100% 0; color: var(--navy-900); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--blue-600); border-color: var(--blue-600); }
.btn-ghost:hover { background: var(--blue-600); color: #fff; transform: translateY(-2px); }
.btn-white { background: #fff; color: var(--blue-700); box-shadow: var(--shadow-md); }
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-700); transform: translateY(-2px); }
.btn-lg { padding: 18px 36px; font-size: 16.5px; border-radius: 14px; }
.btn-sm { padding: 10px 18px; font-size: 14px; border-radius: 10px; }
.btn .arr { transition: transform .18s ease; }
.btn:hover .arr { transform: translateX(4px); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s ease;
}
.site-header.scrolled { box-shadow: 0 8px 24px -12px rgba(5,5,8,.14); }
.header-inner { display: flex; align-items: center; gap: 24px; height: 84px; transition: height .25s ease; }
.site-header.scrolled .header-inner { height: 68px; }
.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand img { width: 46px; height: 46px; border-radius: 10px; transition: width .25s, height .25s; }
.site-header.scrolled .brand img { width: 40px; height: 40px; }
.brand-name { font-family: var(--font-display); font-weight: 800; font-size: 17px; line-height: 1.05; color: var(--navy-900); letter-spacing: -.01em; }
.brand-name span { display: block; font-size: 11px; font-weight: 600; letter-spacing: .22em; color: var(--blue-600); text-transform: uppercase; }
.main-nav { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.main-nav a {
  font-family: var(--font-display); font-weight: 500; font-size: 15px; color: var(--ink);
  padding: 10px 15px; border-radius: 9px; transition: color .15s, background .15s;
}
.main-nav a:hover { color: var(--blue-600); background: var(--sky-50); }
.main-nav a.active { color: var(--blue-600); }
.header-cta { display: flex; align-items: center; gap: 12px; margin-left: 8px; }
.header-phone {
  display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-display);
  font-weight: 700; font-size: 15px; color: var(--navy-900); padding: 10px 16px;
  border: 1.5px solid var(--line); border-radius: 11px; transition: border-color .15s, color .15s;
}
.header-phone:hover { border-color: var(--blue-500); color: var(--blue-600); }
.header-phone svg { color: var(--blue-600); }
.nav-toggle { display: none; background: none; border: 1.5px solid var(--line); border-radius: 10px; padding: 9px 11px; cursor: pointer; color: var(--navy-900); }

/* Mobile drawer */
.mobile-drawer {
  position: fixed; inset: 0; z-index: 200; background: rgba(0,36,72,.58);
  opacity: 0; pointer-events: none; transition: opacity .25s ease;
}
.mobile-drawer.open { opacity: 1; pointer-events: auto; }
.drawer-panel {
  position: absolute; top: 0; right: 0; bottom: 0; width: min(340px, 88vw);
  background: #fff; padding: 24px; display: flex; flex-direction: column; gap: 6px;
  transform: translateX(100%); transition: transform .3s cubic-bezier(.22,1,.36,1);
  box-shadow: -20px 0 60px rgba(5,5,8,.2); overflow-y: auto;
}
.mobile-drawer.open .drawer-panel { transform: translateX(0); }
.drawer-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.drawer-close { background: none; border: none; font-size: 26px; cursor: pointer; color: var(--ink); line-height: 1; }
.drawer-panel a.drawer-link {
  font-family: var(--font-display); font-weight: 600; font-size: 17px; color: var(--ink);
  padding: 13px 12px; border-radius: 10px;
}
.drawer-panel a.drawer-link:hover { background: var(--sky-50); color: var(--blue-600); }
.drawer-cta { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }

/* ---------- Hero (premium) ---------- */
.hero { position: relative; color: #fff; overflow: hidden; background:
    radial-gradient(1100px 520px at 88% -12%, rgba(255,255,255,.32), transparent 58%),
    radial-gradient(760px 440px at -8% 112%, rgba(212,175,55,.26), transparent 55%),
    linear-gradient(158deg, #009FE3 0%, #0073A8 55%, #00598A 100%); }
.hero-slides { position: absolute; inset: 0; }
.hero-slide { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; opacity: 0; transition: opacity 1.6s ease-in-out; }
.hero-slide.is-active { opacity: 1; }
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    linear-gradient(100deg, rgba(0,45,95,.86) 0%, rgba(0,60,120,.72) 30%, rgba(0,159,227,.30) 55%, rgba(0,159,227,.06) 75%, rgba(248,250,252,0) 88%),
    linear-gradient(0deg, rgba(0,45,95,.5) 0%, transparent 32%);
}
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: clamp(64px, 8vw, 110px) 0 clamp(72px, 9vw, 120px); }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 10px; font-family: var(--font-display);
  font-weight: 600; font-size: 12.5px; letter-spacing: .18em; text-transform: uppercase;
  color: #D4AF37; background: rgba(212,175,55,.12); border: 1px solid rgba(212,175,55,.4);
  padding: 8px 16px; border-radius: 999px; margin-bottom: 22px;
  box-shadow: 0 0 24px rgba(212,175,55,.18);
}
.hero h1 { color: #fff; font-size: clamp(38px, 5.2vw, 62px); font-weight: 800; margin-bottom: 20px; letter-spacing: -.03em; text-shadow: 0 4px 30px rgba(5,5,8,.5); }
.hero h1 .hl { background: var(--gold-text); -webkit-background-clip: text; background-clip: text; color: transparent; filter: drop-shadow(0 0 18px rgba(212,175,55,.5)); text-shadow: none; }
.hero-sub { font-size: clamp(17px, 1.6vw, 20px); color: #DCEAF5; max-width: 540px; margin-bottom: 30px; text-shadow: 0 2px 14px rgba(5,5,8,.6); }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: 14px; color: #FFFFFF; text-shadow: 0 2px 10px rgba(5,5,8,.55); }
.hero-trust span { display: inline-flex; align-items: center; gap: 7px; }
.hero-trust svg { color: #D4AF37; flex-shrink: 0; }
.hero-visual { position: relative; }
.hero-card {
  position: relative; border-radius: 24px; overflow: hidden; box-shadow: 0 40px 80px -20px rgba(0,0,0,.5);
  border: 1px solid rgba(255,255,255,.14);
}
.hero-card img { width: 100%; height: clamp(320px, 34vw, 460px); object-fit: cover; }
.hero-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(200deg, transparent 55%, rgba(5,5,8,.55)); }
.hero-float {
  position: absolute; z-index: 3; background: rgba(255,255,255,.97); border-radius: 16px;
  box-shadow: var(--shadow-lg); padding: 16px 20px; display: flex; align-items: center; gap: 13px;
  animation: floaty 5s ease-in-out infinite;
  border: 1.5px solid transparent;
  background:
    linear-gradient(rgba(255,255,255,.97), rgba(255,255,255,.97)) padding-box,
    linear-gradient(135deg, #F5E08A, #D4AF37 45%, #E8C95A 60%, #B8942A) border-box;
  box-shadow: 0 10px 30px -8px rgba(5,5,8,.25), 0 0 18px rgba(212,175,55,.28);
}
.hero-float .ic { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; flex-shrink: 0; }
.hero-float .ic img { width: 40px; height: 40px; object-fit: contain; display: block; }
.hero-float .ic svg { width: 22px; height: 22px; }
.hero-float b { display: block; font-family: var(--font-display); font-size: 15px; color: var(--ink); line-height: 1.2; }
.hero-float small { font-size: 12.5px; color: var(--muted); }
/* Mobile-only home for the hero float cards (shown ≤1080px, hidden on desktop) */
.hero-floats-mobile { display: none; margin-bottom: 26px; }
.float-1 { top: 26px; left: -34px; animation-delay: .4s; }
.float-2 { bottom: 40px; right: 8px; animation-delay: 1.6s; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* Gold ribbon divider under hero */
.hero-ribbon { position: relative; z-index: 3; height: 6px; background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37); box-shadow: 0 0 24px rgba(212,175,55,.5); }

/* NMLS ribbon */
.nmls-ribbon { position: relative; z-index: 2; overflow: hidden; background: linear-gradient(90deg, #00598A, #0073A8 50%, #00598A); border-top: 1px solid rgba(255,255,255,.08); }
.nmls-ribbon .container { display: flex; align-items: center; justify-content: center; gap: 12px; padding: 14px 20px; flex-wrap: wrap; }
.nmls-ribbon span { font-weight: 600; letter-spacing: .02em; }
.nmls-ribbon a { color: #F6FBFF; font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.nmls-ribbon a:hover { color: var(--gold-400); }
.nmls-ribbon .dot { width: 5px; height: 5px; border-radius: 50%; background: var(--gold-500); }
/* Gold shimmer bar as the ribbon's bottom border (same style as .hero-ribbon) */
.nmls-ribbon::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 6px; z-index: 0;
  background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37);
  box-shadow: 0 0 24px rgba(212,175,55,.5);
}
.nmls-ribbon::before {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 6px; z-index: 1;
  background: linear-gradient(100deg, transparent 20%, rgba(255,255,255,.85) 50%, transparent 80%);
  animation: shimmer 3.2s ease-in-out infinite;
}

/* ---------- Trust bar ---------- */
.trust-bar { background: var(--white); border-bottom: 1px solid var(--line); }
.trust-bar .container { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
.trust-item { display: flex; align-items: center; gap: 16px; padding: 26px 28px; }
.trust-item + .trust-item { border-left: 1px solid var(--line); }
.trust-item .ic { width: 60px; height: 60px; border-radius: 16px; background: var(--sky-50); display: grid; place-items: center; flex-shrink: 0; position: relative; }
.trust-item .ic img { width: 50px; height: 50px; object-fit: contain; display: block; }
.trust-item .ic::after {
  content: ""; position: absolute; inset: -4px; border-radius: 20px;
  border: 1.5px solid transparent;
  background: linear-gradient(135deg, rgba(212,175,55,.7), rgba(212,175,55,.35)) border-box;
  -webkit-mask: linear-gradient(#fff 0 0) padding-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  opacity: 0; transition: opacity .3s ease;
}
.trust-item:hover .ic::after { opacity: 1; }
.trust-item b { display: block; font-family: var(--font-display); font-size: 16.5px; color: var(--ink); line-height: 1.25; }
.trust-item small { font-size: 13.5px; color: var(--muted); }

/* ---------- Calculator ---------- */
.calc-wrap { border-radius: 24px; overflow: hidden; box-shadow: var(--shadow-lg); display: grid; grid-template-columns: 1.1fr .9fr; background: var(--navy-900); position: relative; z-index: 2; }
.calc-stage { position: relative; }
.calc-inputs { background: var(--navy-900); padding: clamp(28px, 4vw, 44px); color: #fff; }
.calc-inputs h3 { color: #fff; font-size: 22px; margin-bottom: 4px; }
.calc-inputs .sub { color: #A6BED4; font-size: 14.5px; margin-bottom: 26px; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-family: var(--font-display); font-weight: 600; font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; color: #A6BED4; }
.field .input-wrap { position: relative; }
.field .input-wrap .pre { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: #A6BED4; font-weight: 600; font-size: 15px; pointer-events: none; }
.field input[type="text"], .field input[type="number"], .field input[type="email"], .field select {
  width: 100%; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14);
  color: #fff; font-family: var(--font-body); font-size: 15.5px; font-weight: 500;
  padding: 13px 14px; border-radius: 11px; outline: none; transition: border-color .15s, background .15s;
  -webkit-appearance: none; appearance: none;
}
.field input.with-pre { padding-left: 34px; }
.field select { cursor: pointer; }
.field select option { color: var(--ink); background: #fff; }
.field input:focus, .field select:focus { border-color: var(--blue-400); background: rgba(255,255,255,.1); }
.range-row { display: flex; align-items: center; gap: 12px; }
.range-row input[type="range"] { flex: 1; -webkit-appearance: none; appearance: none; height: 5px; border-radius: 4px; background: rgba(255,255,255,.18); outline: none; }
.range-row input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 19px; height: 19px; border-radius: 50%; background: var(--gold-500); border: 3px solid var(--navy-900); box-shadow: 0 0 0 2px var(--gold-500); cursor: pointer; }
.range-row input[type="range"]::-moz-range-thumb { width: 19px; height: 19px; border-radius: 50%; background: var(--gold-500); border: 3px solid var(--navy-900); box-shadow: 0 0 0 2px var(--gold-500); cursor: pointer; }
.range-val { min-width: 52px; text-align: right; font-family: var(--font-display); font-weight: 700; font-size: 15px; color: var(--gold-500); }
.calc-cta { margin-top: 22px; }
.calc-cta a { display: inline-flex; }
.calc-suite-top { display: flex; align-items: center; justify-content: space-between; gap: 14px; flex-wrap: wrap; margin-bottom: 18px; }

/* ---------- Calculator showcase slider (Resources) ---------- */
.calc-slider { position: relative; }
.calc-slider-viewport { overflow: hidden; border-radius: 18px; }
.calc-slider-track { display: flex; transition: transform .55s cubic-bezier(.22,1,.36,1); }
.calc-slide {
  flex: 0 0 100%; min-width: 0; box-sizing: border-box;
  background:
    radial-gradient(640px 240px at 85% -20%, rgba(0,159,227,.12), transparent 65%),
    linear-gradient(170deg, #FFFFFF, #F7FCFF 62%, #EFF8FD);
  border: 1px solid rgba(0,159,227,.35); border-radius: 18px;
  padding: clamp(28px, 4.5vw, 52px);
  box-shadow: 0 18px 48px rgba(0,80,140,.12), inset 0 0 0 1px rgba(212,175,55,.12);
  position: relative;
}
.calc-slide::before {
  content: ""; position: absolute; inset: 8px; pointer-events: none;
  border: 1px solid rgba(212,175,55,.28); border-radius: 12px;
}
.calc-slide-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; position: relative; }
.calc-slide-num {
  font-family: var(--font-display); font-size: 34px; font-weight: 800; line-height: 1;
  color: transparent; -webkit-background-clip: text; background-clip: text;
  background-image: linear-gradient(120deg, #D4AF37, #B8942A 60%, #8FA8C0);
  letter-spacing: .02em;
}
.calc-slide-tag {
  font-family: var(--font-display); font-size: 11px; font-weight: 800; letter-spacing: .18em;
  text-transform: uppercase; color: #00598A; background: #EFF8FD;
  border: 1px solid rgba(0,159,227,.4); padding: 6px 14px; border-radius: 999px;
}
.calc-slide h3 { font-family: var(--font-display); font-size: clamp(26px, 3.2vw, 36px); font-weight: 800; color: #0A0A12; margin: 0 0 10px; position: relative; }
.calc-slide-lede { font-size: 16px; font-weight: 600; color: #0073A8; margin: 0 0 14px; position: relative; }
.calc-slide-desc { font-size: 15px; line-height: 1.7; color: #475569; max-width: 640px; margin: 0 0 26px; position: relative; }
.calc-slide .btn { position: relative; }
.calc-slide-shot {
  margin: 0 0 24px; border-radius: 14px; position: relative;
  background: linear-gradient(180deg, #FFFFFF, #F0F8FE);
  border: 1px solid rgba(0,159,227,.3);
  box-shadow: 0 14px 34px rgba(0,80,140,.14), inset 0 0 0 1px rgba(212,175,55,.14);
  overflow: hidden;
}
.calc-slide-shot img {
  display: block; width: 100%; height: auto;
  border-radius: 14px 14px 0 0;
}
.calc-slide-shot figcaption {
  font-family: var(--font-display); font-size: 12.5px; font-weight: 600;
  letter-spacing: .08em; text-transform: uppercase; color: #0073A8;
  padding: 11px 16px 12px; border-top: 1px solid rgba(0,159,227,.18);
  background: rgba(255,255,255,.65);
}
.calc-slider-nav { display: flex; align-items: center; justify-content: center; gap: 18px; margin-top: 22px; }
.calc-slider-arrow {
  width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid rgba(0,159,227,.45);
  background: #fff; color: var(--blue-600); cursor: pointer; display: grid; place-items: center;
  font-size: 18px; transition: all .18s; box-shadow: 0 6px 18px rgba(0,80,140,.08);
}
.calc-slider-arrow:hover { background: var(--blue-600); border-color: var(--blue-600); color: #fff; transform: translateY(-1px); }
.calc-slider-dots { display: flex; gap: 8px; }
.calc-slider-dots button {
  width: 9px; height: 9px; border-radius: 99px; border: none; background: #CBD5E1;
  cursor: pointer; transition: all .25s; padding: 0;
}
.calc-slider-dots button.active { width: 28px; background: var(--blue-600); }

/* ---------- hub grid (index/resources entry to full calculator pages) ---------- */
.ledger-hub { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; margin-top: 34px; }
.ledger-hub-card {
  position: relative; display: block; text-decoration: none;
  background: linear-gradient(170deg, #FFFFFF, #F7FCFF 70%, #EFF8FD);
  border: 1px solid rgba(0,159,227,.35); border-radius: 6px; padding: 20px;
  box-shadow: 0 12px 32px rgba(0,80,140,.1);
  transition: transform .22s ease, box-shadow .22s, border-color .22s;
}
.ledger-hub-card::before {
  content: ""; position: absolute; inset: 4px; pointer-events: none;
  border: 1px solid rgba(212,175,55,.3); border-radius: 3px;
}
.ledger-hub-card:hover { transform: translateY(-4px); border-color: rgba(0,159,227,.65); box-shadow: 0 20px 48px rgba(0,80,140,.16), 0 0 24px rgba(0,159,227,.08); }
.ledger-hub-card .hub-num {
  font-family: var(--font-display); font-size: 10px; font-weight: 800; letter-spacing: .18em;
  color: #D4AF37; margin-bottom: 10px;
}
.ledger-hub-card .hub-ic {
  width: 42px; height: 42px; border-radius: 5px; margin-bottom: 13px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(140deg, rgba(0,159,227,.14), rgba(212,175,55,.12));
  border: 1px solid rgba(0,159,227,.35); color: #009FE3;
  box-shadow: inset 0 0 14px rgba(0,159,227,.08);
}
.ledger-hub-card .hub-ic svg { width: 22px; height: 22px; }
.ledger-hub-card h3 { font-family: var(--font-display); font-size: 16px; font-weight: 700; color: #0A0A12; margin: 0 0 5px; }
.ledger-hub-card p { font-size: 12.5px; color: #64748B; line-height: 1.55; margin: 0 0 13px; }
.ledger-hub-card .hub-cta {
  font-family: var(--font-display); font-size: 11px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase;
  color: #009FE3; display: inline-flex; align-items: center; gap: 7px;
}
.ledger-hub-card:hover .hub-cta { color: #B8942A; }
.ledger-hub-card .hub-cta .arr { transition: transform .22s; }
.ledger-hub-card:hover .hub-cta .arr { transform: translateX(5px); }
.calc-results { background: linear-gradient(160deg, var(--blue-600), var(--blue-700)); color: #fff; padding: clamp(28px, 4vw, 44px); display: flex; flex-direction: column; justify-content: center; }
.calc-results .big { font-family: var(--font-display); font-weight: 800; font-size: clamp(44px, 5vw, 60px); letter-spacing: -.03em; line-height: 1; margin: 6px 0 2px; }
.calc-results .big-label { font-family: var(--font-display); font-weight: 600; font-size: 13px; letter-spacing: .18em; text-transform: uppercase; color: #D6F0FC; margin-bottom: 26px; }
.breakdown { display: flex; flex-direction: column; gap: 0; border-top: 1px solid rgba(255,255,255,.22); }
.break-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 2px; border-bottom: 1px solid rgba(255,255,255,.14); font-size: 15px; }
.break-row span:first-child { color: #D6F0FC; }
.break-row b { font-family: var(--font-display); color: #fff; }
.calc-note { margin-top: 18px; font-size: 12.5px; color: #000; line-height: 1.5; }
/* Positive result verdicts stay blue — black is reserved for compliance text */
.calc-note[data-out-verdict], .calc-note[data-out-verdict2] { color: #A8E4FC; }

/* ---------- Calculator suite (Resources) ---------- */
.calc-tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 34px; }
.calc-tab {
  font-family: var(--font-display); font-weight: 600; font-size: 14px; letter-spacing: .02em;
  color: var(--ink); background: #fff; border: 1px solid var(--line);
  padding: 12px 22px; border-radius: 999px; cursor: pointer; transition: all .25s ease;
  box-shadow: 0 4px 14px -6px rgba(5,5,8,.25);
}
.calc-tab:hover { border-color: var(--blue-100); box-shadow: 0 8px 18px -6px rgba(5,5,8,.3); color: var(--blue-600); }
.calc-tab.is-active {
  color: var(--navy-900); background: var(--gold-sheen); border-color: transparent;
  box-shadow: 0 0 26px rgba(212,175,55,.5), inset 0 1px 0 rgba(255,255,255,.5);
}
.calc-suite-wrap { position: relative; }
.calc-suite-wrap::before {
  content: ""; position: absolute; inset: -2px; border-radius: 26px; z-index: 0; pointer-events: none;
  background: linear-gradient(135deg, rgba(212,175,55,.55), rgba(212,175,55,.12) 30%, rgba(0,159,227,.35) 60%, rgba(212,175,55,.5));
  filter: blur(14px); opacity: .55;
}
.calc-panel {
  display: none; position: relative; z-index: 1;
  border-radius: 24px; overflow: hidden; box-shadow: var(--shadow-lg);
  grid-template-columns: 1.1fr .9fr; background:
    radial-gradient(900px 420px at 85% -10%, rgba(255,255,255,.16), transparent 55%),
    radial-gradient(700px 380px at -6% 112%, rgba(212,175,55,.16), transparent 52%),
    linear-gradient(160deg, #009FE3 0%, #0073A8 55%, #00598A 100%);
  border: 1px solid rgba(212,175,55,.35);
  box-shadow: 0 0 0 1px rgba(212,175,55,.22), 0 0 34px rgba(212,175,55,.16), var(--shadow-lg);
}
.calc-panel.is-active { display: grid; animation: calcFade .45s ease; }
@keyframes calcFade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.calc-panel .calc-results { position: relative; }
.calc-panel .calc-results::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(120% 90% at 50% 0%, rgba(212,175,55,.16), transparent 55%);
}
.calc-panel .calc-results > * { position: relative; }
.calc-panel .big { text-shadow: 0 0 30px rgba(212,175,55,.35); }
.calc-panel .break-row b { color: var(--gold-400); }
.calc-panel .calc-note { color: #000; }
.calc-panel .calc-note[data-out-verdict], .calc-panel .calc-note[data-out-verdict2] { color: #D6F0FC; }

/* ---------- Premium gold-aura border (home + resources) ---------- */
.calc-aura {
  position: relative; z-index: 1;
  border-radius: 26px; padding: 2px;
  background: conic-gradient(from 0deg,
    #D4AF37, #F5E08A, #B8942A, #D4AF37);
  box-shadow: 0 0 40px rgba(212,175,55,.28);
}
.calc-aura > .calc-panel,
.calc-aura > .calc-wrap {
  border-radius: 24px; border: none;
  box-shadow: none;
}
.calc-aura > .calc-panel { display: none; }
.calc-aura > .calc-panel.is-active { display: grid; }
.calc-aura .calc-panel { background:
    radial-gradient(900px 420px at 85% -10%, rgba(255,255,255,.16), transparent 55%),
    radial-gradient(700px 380px at -5% 112%, rgba(212,175,55,.16), transparent 52%),
    linear-gradient(160deg, #009FE3 0%, #0073A8 50%, #00598A 100%); }
.calc-aura .calc-wrap { background:
    radial-gradient(900px 420px at 85% -10%, rgba(255,255,255,.16), transparent 55%),
    linear-gradient(160deg, #009FE3 0%, #0073A8 50%, #00598A 100%); }

/* Auto-rotate indicator: glowing dot + label on the active tab */
.calc-tab { position: relative; }
.calc-tab .rot-dot {
  display: inline-block; width: 7px; height: 7px; border-radius: 50%;
  background: var(--gold-500); margin-right: 8px; vertical-align: 1px;
  box-shadow: 0 0 8px rgba(212,175,55,.9);
  animation: rotPulse 1.6s ease-in-out infinite;
}
@keyframes rotPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: .45; transform: scale(.72); }
}
.calc-tab:not(.is-active) .rot-dot { opacity: .4; }
.calc-tab.is-active .rot-dot {
  background: var(--navy-900); box-shadow: 0 0 10px rgba(212,175,55,.95);
  animation: rotPulse 1.2s ease-in-out infinite;
}

/* Suite header row: tab pills only (the "Open Advanced Calculators" CTA lives in .calc-eagle-top) */
.calc-suite-head {
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 18px; flex-wrap: wrap;
}
#calculator .calc-suite-head { margin-bottom: clamp(28px, 3.5vw, 40px); }
#calculator .calc-suite-head .section-head { margin-bottom: 0; text-align: left; }
.calc-suite-head .section-head.center { text-align: left; }
.calc-suite-head .section-head.center .eyebrow.center { margin-left: 0; }

/* Eagle hero band above the calculator — whole eagle, wide, animated */
.calc-eagle-top {
  position: relative; z-index: 2;
  display: flex; align-items: center; justify-content: center;
  gap: clamp(24px, 4vw, 56px);
  background: linear-gradient(170deg, #FFFFFF, #EAF4FC);
  border: 1px solid rgba(0,159,227,.3);
  border-radius: 24px; overflow: hidden;
  box-shadow: 0 14px 34px rgba(0,80,140,.10), inset 0 0 0 1px rgba(212,175,55,.14);
  padding: clamp(18px, 2.5vw, 30px) clamp(22px, 4vw, 48px);
  margin-bottom: 22px;
}
.calc-eagle-top::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; z-index: 3;
  background: linear-gradient(90deg, #D4AF37, #B8942A, #E8C95A, #F5E08A, #D4AF37, #B8942A, #E8C95A);
  background-size: 200% 100%; animation: goldSlide 6s linear infinite;
}
.calc-eagle-top::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background:
    radial-gradient(420px 240px at 92% -10%, rgba(0,159,227,.12), transparent 65%),
    radial-gradient(380px 240px at -6% 110%, rgba(212,175,55,.12), transparent 60%);
}
.calc-eagle-top img {
  position: relative; z-index: 2;
  width: min(560px, 46vw); height: auto; display: block;
  animation: eagleFloat 7s ease-in-out infinite;
  filter: drop-shadow(0 16px 30px rgba(5,5,8,.18));
}
.calc-eagle-top .calc-eagle-copy {
  position: relative; z-index: 2;
  display: flex; flex-direction: column; align-items: flex-start; gap: 14px;
  max-width: 420px;
}
.calc-eagle-tag {
  font-family: var(--font-display); font-size: 11.5px; font-weight: 800;
  letter-spacing: .16em; text-transform: uppercase; color: #0073A8;
  background: #EAF4FC; border: 1px solid rgba(0,159,227,.35);
  padding: 6px 13px; border-radius: 999px;
}
.calc-eagle-copy h3 {
  font-family: var(--font-display); font-size: clamp(22px, 2.6vw, 30px);
  line-height: 1.25; color: var(--navy-900); font-weight: 800; margin: 0;
}
@keyframes eagleFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-9px); }
}
@media (max-width: 1080px) {
  .calc-eagle-top {
    flex-direction: row; text-align: left;
    gap: clamp(18px, 3vw, 30px);
    padding: clamp(16px, 2.2vw, 26px) clamp(18px, 3vw, 34px);
  }
  .calc-eagle-top img { width: min(44%, 420px); }
  .calc-eagle-top .calc-eagle-copy { max-width: 50%; align-items: flex-start; text-align: left; }
  .calc-eagle-copy h3 { font-size: clamp(18px, 2.3vw, 24px); }
}
@media (max-width: 860px) {
  .calc-eagle-top { flex-direction: column; text-align: center; gap: 16px; }
  .calc-eagle-top img { width: min(74%, 420px); }
  .calc-eagle-copy { align-items: center; text-align: center; }
  .calc-eagle-top .calc-eagle-copy { order: 0; max-width: 520px; }
}
@media (max-width: 720px) {
  .calc-eagle-top { padding: 20px 16px; gap: 14px; }
  .calc-eagle-top img { width: min(80%, 340px); }
  .calc-eagle-copy h3 { font-size: 19px; }
}

/* Keep tabs + suite above the calculator */
.calc-stage .calc-tabs { position: relative; z-index: 2; }
.calc-suite-wrap { z-index: 2; }

/* Bottom row under the home suite: compliance notice only (CTA moved to .calc-eagle-top) */
.calc-suite-bottom {
  position: relative; z-index: 2; text-align: center; margin-top: 34px;
}
.calc-suite-note { margin: 16px auto 0; max-width: 720px; font-size: 12.5px; line-height: 1.6; color: #000; }

/* Pause rotation while the visitor is hovering or using the suite (JS adds .is-paused) */
[data-calc-suite].is-paused .calc-aura { animation-play-state: paused; }
[data-calc-suite].is-paused .calc-tab .rot-dot { animation-play-state: paused; }

/* Responsive: panels stack like the classic calc-wrap */
@media (max-width: 1080px) {
  .calc-aura > .calc-panel.is-active,
  .calc-panel.is-active { grid-template-columns: 1fr; }
  .calc-aura > .calc-wrap { grid-template-columns: 1fr; }
}

/* ---------- Feature cards / service cards ---------- */
.card-grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 30px; box-shadow: var(--shadow-sm); transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
  display: flex; flex-direction: column; gap: 14px; position: relative;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--blue-100); }
.card .ic { width: 54px; height: 54px; border-radius: 15px; background: var(--sky-50); color: var(--blue-600); display: grid; place-items: center; }
.card .ic svg { width: 27px; height: 27px; }
.card h3 { font-size: 19px; }
.card p { font-size: 15px; color: var(--muted); margin: 0; flex: 1; }
.card .link { font-family: var(--font-display); font-weight: 600; font-size: 14.5px; color: var(--blue-600); display: inline-flex; align-items: center; gap: 6px; }
.card .link:hover { color: var(--blue-700); }
.card .link .arr { transition: transform .18s; }
.card .link:hover .arr { transform: translateX(4px); }
.card-navy { background: var(--navy-800); border-color: var(--navy-800); }
.card-navy h3 { color: #fff; }
.card-navy p { color: #A6BED4; }
.card-navy .ic { background: rgba(212,175,55,.14); color: var(--gold-500); }
.card-navy .link { color: var(--gold-500); }
.card-navy:hover { border-color: var(--navy-600); }
.card-tag { position: absolute; top: 18px; right: 18px; font-family: var(--font-display); font-weight: 700; font-size: 11px; letter-spacing: .1em; text-transform: uppercase; background: var(--gold-50); color: #8A6A1F; border: 1px solid #E9D48B; padding: 5px 10px; border-radius: 999px; }

/* ---------- Split sections ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 5vw, 72px); align-items: center; }
.split-media { position: relative; }
.split-media img { border-radius: 22px; box-shadow: var(--shadow-lg); width: 100%; height: clamp(300px, 34vw, 460px); object-fit: cover; }
.split-media .deco { position: absolute; z-index: -1; border-radius: 22px; }
.deco-y { width: 70%; height: 70%; background: var(--gold-sheen); top: -18px; right: -18px; opacity: .9; }
.deco-b { width: 60%; height: 60%; background: var(--blue-500); bottom: -18px; left: -18px; opacity: .85; }
.split-media .quote-card {
  position: absolute; bottom: -26px; left: -20px; right: -20px; background: var(--gold-500);
  color: var(--navy-900); border-radius: 18px; padding: 22px 26px; box-shadow: var(--shadow-lg);
}
.split-media .quote-card b { font-family: var(--font-display); font-size: 12px; letter-spacing: .14em; text-transform: uppercase; display: block; margin-bottom: 6px; }
.split-media .quote-card p { font-family: var(--font-display); font-weight: 600; font-size: 16.5px; line-height: 1.45; margin: 0; }
.split h2 { font-size: clamp(34px, 4.4vw, 52px); margin-bottom: 18px; }
.split .lead { font-size: 17.5px; color: var(--muted); margin-bottom: 20px; }
.split ul.checks { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; margin-bottom: 26px; }
.split ul.checks li { display: flex; gap: 12px; align-items: flex-start; font-size: 15.5px; color: var(--ink); font-weight: 500; }
.split ul.checks svg { color: var(--blue-600); flex-shrink: 0; margin-top: 3px; }

/* ============================================================
   TRUST SECTION — subtle gold wave + integrated Non-QM panel
   (Aug 2026: Non-QM banner merged INTO the Built on Trust section;
   the standalone .nonqm-banner strip is gone)
   ============================================================ */
@keyframes goldSlide { to { background-position: -200% 0; } }
.trust-section {
  position: relative; overflow: hidden;
  background:
    radial-gradient(640px 300px at 102% -6%, rgba(0,159,227,.09), transparent 60%),
    radial-gradient(560px 300px at -4% 112%, rgba(212,175,55,.05), transparent 60%),
    linear-gradient(180deg, #FFFFFF 0%, #F4FBFF 100%);
}
/* faint static gold hairline across the very top of the section —
   static, no shimmer: gold stays reserved for hero ribbon / CTAs / process accents */
.trust-section::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, rgba(212,175,55,.55), rgba(232,201,90,.35), rgba(212,175,55,.55));
  opacity: .3;
}
/* subtle gold wave connecting the section back to the brand system */
.trust-wave {
  position: absolute; z-index: 0; pointer-events: none;
  top: clamp(30px, 6vw, 80px); left: -4%; width: 108%;
  height: clamp(22px, 6vw, 84px); opacity: .5;
}
.trust-wave path { stroke-dasharray: 2 9; stroke-linecap: round; }
.trust-section .container { position: relative; z-index: 1; }
.trust-section .trust-media img { object-fit: contain; background: #fff; padding: 8px; }
/* trust-media hosts the "Built on Trust" emblem illustration — render it whole
   (contain), never crop the emblem with cover */
.trust-section .checks { margin-bottom: 12px; }
.trust-section .btn { margin-top: 26px; }

/* integrated Non-QM panel — category-card language, not a promo strip */
.trust-nonqm {
  position: relative; z-index: 1; margin-top: clamp(46px, 6vw, 76px);
  background: #fff; border: 1px solid rgba(212,175,55,.3);
  border-radius: 26px; padding: clamp(28px, 4vw, 46px) clamp(24px, 4vw, 54px);
  box-shadow: 0 24px 44px -26px rgba(5,5,8,.22);
  display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: 18px 44px; align-items: end;
}
.trust-nonqm::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, rgba(212,175,55,.75), rgba(232,201,90,.4) 40%, rgba(212,175,55,.75));
  border-radius: 26px 26px 0 0;
  opacity: .55;
}
.trust-non-head { position: relative; z-index: 1; }
.trust-non-head h2 { font-size: clamp(26px, 3vw, 36px); line-height: 1.2; margin: 14px 0 12px; }
.trust-non-head p { margin: 0; font-size: 15.5px; line-height: 1.65; color: var(--muted); max-width: 560px; }
.trust-chips {
  position: relative; z-index: 1;
  overflow: hidden;
  /* fade the chip edges so the slide feels premium, not clipped */
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.trust-chips-track {
  display: flex; align-items: center; gap: 10px;
  width: max-content;
  animation: loanStrip 26s linear infinite;
}
.trust-chips:hover .trust-chips-track { animation-play-state: paused; }
.tn-chip {
  display: inline-flex; align-items: center; white-space: nowrap;
  background: linear-gradient(135deg, rgba(0,159,227,.10), rgba(0,159,227,.03));
  border: 1px solid rgba(0,159,227,.24);
  border-radius: 999px; padding: 9px 16px;
  font-family: var(--font-display); font-weight: 600; font-size: 13.5px;
  letter-spacing: .02em; color: var(--blue-600);
}
.trust-non-foot {
  grid-column: 1 / -1; position: relative; z-index: 1;
  display: flex; align-items: center; justify-content: space-between;
  gap: 18px; flex-wrap: wrap; padding-top: 22px;
  border-top: 1px solid var(--line);
}
.trust-non-note { font-size: 13.5px; color: var(--muted); }
.trust-non-foot .btn { margin: 0; }
@media (max-width: 900px) {
  .trust-nonqm { grid-template-columns: 1fr; align-items: start; }
  .trust-non-foot { justify-content: center; text-align: center; }
}
@media (prefers-reduced-motion: reduce) {
  .trust-section::before, .trust-nonqm::before { animation: none; }
  .trust-chips-track { animation: none; }
}

/* ============================================================
   BUILT AROUND YOU — clean photo crop + one sweeping blue/gold frame
   (old floating deco squares removed; single gradient frame)
   ============================================================ */
.built-section {
  position: relative; overflow: hidden;
  background:
    radial-gradient(720px 400px at 96% -8%, rgba(0,159,227,.10), transparent 62%),
    radial-gradient(640px 320px at 2% 112%, rgba(212,175,55,.08), transparent 58%),
    linear-gradient(180deg, #FFFFFF 0%, #F3FAFF 100%);
}
.built-section .container { position: relative; z-index: 1; }
.built-section h2 { margin-top: 12px; }
.built-acc { margin-top: 26px; }
.built-cta { margin-top: 28px; }
.built-frame {
  position: relative; display: block; width: min(520px, 100%);
  margin-left: auto;
}
/* one sweeping blue/gold frame behind the photo */
.built-frame::before {
  content: ""; position: absolute; inset: 0;
  transform: translate(16px, 16px);
  background: linear-gradient(135deg, rgba(0,159,227,.18), rgba(212,175,55,.36));
  border-radius: 28px; opacity: .8;
}
.built-frame img {
  display: block; width: 100%; height: clamp(300px, 36vw, 500px);
  object-fit: cover; border-radius: 24px;
  border: 1px solid rgba(212,175,55,.35);
  box-shadow: 0 26px 52px -22px rgba(9,9,20,.3);
  transition: transform .8s cubic-bezier(.22,1,.36,1);
}
.built-frame:hover img { transform: scale(1.025); }
@media (max-width: 1080px) {
  .built-frame { margin: 0 auto; }
  .built-frame::before { transform: translate(0, 16px); }
}
@media (max-width: 720px) {
  .built-frame::before { transform: translate(0, 10px); border-radius: 22px; }
  .built-frame img { border-radius: 20px; }
}

/* ---------- Accordion ---------- */
.accordion { display: flex; flex-direction: column; gap: 12px; }
.acc-item { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; transition: box-shadow .2s, border-color .2s; }
.acc-item.open { border-color: var(--blue-100); box-shadow: var(--shadow-md); }
.acc-head {
  width: 100%; display: flex; align-items: center; gap: 14px; background: none; border: none;
  padding: 19px 22px; cursor: pointer; text-align: left; font-family: var(--font-display);
  font-weight: 600; font-size: 16.5px; color: var(--ink);
}
.acc-head .num { font-family: var(--font-display); font-weight: 800; font-size: 13px; color: var(--blue-600); background: var(--sky-50); border-radius: 8px; padding: 5px 9px; flex-shrink: 0; }
.acc-head .chev { margin-left: auto; color: var(--blue-600); transition: transform .25s ease; flex-shrink: 0; }
.acc-item.open .chev { transform: rotate(180deg); }
.acc-body { max-height: 0; overflow: hidden; transition: max-height .35s cubic-bezier(.22,1,.36,1); }
.acc-body-inner { padding: 0 22px 22px 22px; color: var(--muted); font-size: 15.5px; }
.acc-body-inner p:last-child { margin-bottom: 0; }
.acc-body-inner ul { margin: 8px 0 0; }
.acc-body-inner li { margin-bottom: 6px; }
.acc-body-inner b { color: var(--ink); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 34px 30px; box-shadow: var(--shadow-sm); transition: transform .22s, box-shadow .22s; }
.step:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.step .step-num { font-family: var(--font-display); font-weight: 800; font-size: 15px; color: var(--gold-600); background: var(--gold-50); border: 1px solid #E9D48B; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; margin-bottom: 18px; }
.step .ic { width: 50px; height: 50px; border-radius: 14px; background: var(--sky-50); color: var(--blue-600); display: grid; place-items: center; margin-bottom: 18px; }
.step .ic svg { width: 25px; height: 25px; }
.step h3 { font-size: 19px; margin-bottom: 10px; }
.step p { font-size: 15px; color: var(--muted); margin: 0; }
.step-arrow { position: absolute; top: 50%; right: -20px; transform: translateY(-50%); z-index: 2; color: var(--blue-400); background: #fff; border-radius: 50%; box-shadow: var(--shadow-md); width: 40px; height: 40px; display: grid; place-items: center; }
.step-arrow svg { width: 20px; height: 20px; }

/* ---------- Testimonials ---------- */
.tst-slider { position: relative; }
.tst-track { display: flex; overflow: hidden; scroll-snap-type: x mandatory; gap: 24px; padding: 8px 4px 28px; }
.tst-slide { flex: 0 0 calc(33.333% - 16px); scroll-snap-align: start; }
.tst-card { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold-500); border-radius: var(--r-lg); padding: 30px; box-shadow: var(--shadow-sm); height: 100%; display: flex; flex-direction: column; gap: 16px; }
/* subtle gold top rule — a slim hairline under the gold border */
.tst-card::after {
  content: ""; position: absolute; top: 4px; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, rgba(212,175,55,.45), rgba(232,201,90,.28), transparent);
  pointer-events: none;
}
.tst-card { position: relative; overflow: hidden; }
.tst-card .stars { color: var(--gold-500); display: flex; gap: 4px; }
.tst-card .stars svg { width: 22px; height: 22px; filter: drop-shadow(0 0 3px rgba(212,175,55,.3)); }
.tst-card blockquote { font-size: clamp(14px, 1.15vw, 15px); color: var(--muted); line-height: 1.62; margin: 0; flex: 1; }
.tst-card blockquote::before { content: "\201C"; font-family: var(--font-display); font-size: 44px; color: var(--blue-100); line-height: 0; display: block; margin-bottom: 6px; }
.tst-who { display: flex; align-items: center; gap: 12px; }
.tst-avatar {
  width: 52px; height: 52px; border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-600), var(--blue-400));
  color: #fff; display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 700; font-size: 18px;
  border: 2px solid #fff;
  box-shadow: 0 0 0 1.5px rgba(212,175,55,.55), 0 6px 16px -6px rgba(9,9,20,.3);
}
.tst-who b { display: block; font-family: var(--font-display); font-size: 15px; color: var(--ink); }
.tst-who small { font-size: 12.5px; color: var(--muted); }
.tst-nav { display: flex; justify-content: center; gap: 10px; margin-top: 6px; }
.tst-nav button { width: 44px; height: 44px; border-radius: 12px; border: 1.5px solid var(--line); background: #fff; color: var(--blue-600); cursor: pointer; display: grid; place-items: center; transition: all .18s; }
.tst-nav button:hover { background: var(--blue-600); border-color: var(--blue-600); color: #fff; }
.tst-dots { display: flex; justify-content: center; gap: 8px; margin-top: 14px; }
.tst-dots button { width: 9px; height: 9px; border-radius: 99px; border: none; background: #CBD5E1; cursor: pointer; transition: all .25s; padding: 0; }
.tst-dots button.active { width: 26px; background: var(--blue-600); }

/* ---------- CTA banner ---------- */
.cta-banner { position: relative; border-radius: 26px; background: linear-gradient(135deg, var(--navy-900), var(--navy-700) 60%, #1A1A30); color: #fff; padding: clamp(40px, 6vw, 72px); overflow: hidden; border: 1px solid rgba(212,175,55,.35); box-shadow: var(--shadow-lg); }
.cta-banner::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(56,196,248,.14) 1.5px, transparent 1.5px); background-size: 30px 30px; }
.cta-banner::after { content: ""; position: absolute; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(212,175,55,.22), transparent 65%); bottom: -180px; right: -120px; }
.cta-inner { position: relative; z-index: 2; display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta-inner h2 { color: #fff; font-size: clamp(32px, 4.2vw, 50px); margin-bottom: 12px; max-width: 560px; }
.cta-inner p { color: #C9D8EA; max-width: 520px; margin: 0; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- CTA banner golden eagle (Aug 2026) ---------- */
.cta-eagle {
  position: absolute; top: 50%; right: clamp(8px, 1.5vw, 24px);
  transform: translateY(-50%);
  width: clamp(170px, 29vw, 390px);
  pointer-events: none; z-index: 1;
}
.cta-eagle img {
  width: 100%; display: block; opacity: .95;
  filter: drop-shadow(0 0 22px rgba(212,175,55,.30)) drop-shadow(0 0 60px rgba(61,196,248,.22));
  animation: eagleFloat 7s ease-in-out infinite;
}
@media (min-width: 901px) {
  .cta-banner .cta-inner { padding-right: clamp(28px, 30vw, 420px); }
  .cta-banner h2 { max-width: none; font-size: clamp(24px, 2.6vw, 32px); }
  .cta-banner .cta-actions { flex-basis: 100%; justify-content: flex-start; }
}
@media (max-width: 900px) { .cta-eagle { display: none; } }

/* ---------- Marquee ---------- */
.marquee { overflow: hidden; background: var(--navy-800); border-top: 1px solid rgba(255,255,255,.07); border-bottom: 1px solid rgba(255,255,255,.07); padding: 18px 0; }
.marquee-track { display: flex; gap: 0; width: max-content; animation: marquee 30s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track span { font-family: var(--font-display); font-weight: 600; font-size: 15px; color: #A6BED4; display: inline-flex; align-items: center; gap: 28px; padding-right: 28px; white-space: nowrap; }
.marquee-track span::after { content: "✦"; color: var(--gold-500); font-size: 13px; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- 50 states banner ---------- */
.states-banner { position: relative; border-radius: 26px; overflow: hidden; background: linear-gradient(120deg, var(--blue-700), var(--blue-600) 55%, #0073A8); color: #fff; padding: clamp(36px, 5vw, 60px); box-shadow: var(--shadow-blue); }
.states-banner::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.12) 1.5px, transparent 1.5px); background-size: 26px 26px; }
.states-inner { position: relative; z-index: 2; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.states-inner h2 { color: #fff; font-size: clamp(30px, 3.8vw, 44px); margin-bottom: 10px; }
.states-inner p { color: #D6F0FC; margin: 0; max-width: 560px; }
.states-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.25); padding: 10px 18px; border-radius: 999px; font-family: var(--font-display); font-weight: 700; font-size: 14px; }

/* ---------- Tabs / filters ---------- */
.tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 40px; }
.tab-btn { font-family: var(--font-display); font-weight: 600; font-size: 14px; color: var(--muted); background: #fff; border: 1.5px solid var(--line); padding: 11px 20px; border-radius: 999px; cursor: pointer; transition: all .18s; }
.tab-btn:hover { border-color: var(--blue-400); color: var(--blue-600); }
.tab-btn.active { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: fadeUp .4s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

/* ---------- Spec lists (flyer data) ---------- */
.spec-list { list-style: none; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px 22px; margin: 0; }
.spec-list li { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; color: var(--body); }
.spec-list li::before { content: "✓"; color: var(--blue-600); font-weight: 800; flex-shrink: 0; }
.spec-list li b { color: var(--ink); }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 7px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-family: var(--font-display); font-weight: 600; font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--ink); }
.form-field label em { color: #DC2626; font-style: normal; }
.form-field input, .form-field select, .form-field textarea {
  font-family: var(--font-body); font-size: 15.5px; color: var(--ink);
  border: 1.5px solid var(--line); border-radius: 11px; padding: 13px 15px; outline: none;
  background: #fff; transition: border-color .15s, box-shadow .15s; width: 100%;
}
.form-field textarea { min-height: 130px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(0,176,240,.12); }
.form-field .err { font-size: 12.5px; color: #DC2626; display: none; }
.form-field.invalid input, .form-field.invalid select, .form-field.invalid textarea { border-color: #DC2626; }
.form-field.invalid .err { display: block; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 14px; }
.form-success { display: none; background: #ECFDF5; border: 1px solid #A7F3D0; color: #065F46; border-radius: 12px; padding: 16px 20px; font-size: 15px; margin-top: 18px; }
.form-success.show { display: block; animation: fadeUp .35s ease; }

/* ---------- Contact page ---------- */
.contact-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-cards .span-3 { grid-column: span 3; display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.contact-card {
  position: relative; display: flex; gap: 16px; align-items: center;
  background: linear-gradient(150deg, rgba(255,255,255,.10), rgba(255,255,255,.04));
  border: 1px solid rgba(255,255,255,.16); border-radius: 18px; padding: 24px 26px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease, background .25s;
  overflow: hidden;
}
.contact-card::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0;
  background: radial-gradient(600px 180px at 20% 0%, rgba(212,175,55,.14), transparent 60%);
  transition: opacity .3s ease;
}
.contact-card:hover { transform: translateY(-4px); border-color: rgba(212,175,55,.45); box-shadow: 0 20px 40px -14px rgba(0,0,0,.45), 0 0 0 1px rgba(212,175,55,.15); background: linear-gradient(150deg, rgba(255,255,255,.14), rgba(255,255,255,.06)); }
.contact-card:hover::after { opacity: 1; }
.contact-card .ic {
  width: 50px; height: 50px; border-radius: 14px; flex-shrink: 0; display: grid; place-items: center;
  background: linear-gradient(135deg, rgba(0,159,227,.35), rgba(212,175,55,.22));
  border: 1px solid rgba(212,175,55,.35); color: var(--gold-500);
  box-shadow: 0 0 18px rgba(212,175,55,.15);
}
.contact-card .ic svg { width: 24px; height: 24px; }
.contact-card b { display: block; font-family: var(--font-display); font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: #9DB4CC; margin-bottom: 4px; }
.contact-card a, .contact-card span { color: #fff; font-size: 15.5px; font-weight: 600; position: relative; z-index: 1; }
.contact-card a:hover { color: var(--gold-500); }
.contact-card .sub { display: block; font-size: 12.5px; color: #8FA8C0; font-weight: 400; margin-top: 3px; }
/* contact card action button (Aug 2026 contact redesign) */
.contact-card { flex-wrap: wrap; align-items: center; }
.contact-card > div:nth-child(2) { flex: 1 1 auto; min-width: 0; }
.contact-card .card-btn {
  flex: 1 1 100%; justify-content: center;
  margin-top: 16px; padding: 10px 18px; font-size: 14px; border-radius: 10px;
}
/* the generic .contact-card a rule (white) must not touch the gold button */
.contact-card a.card-btn { color: var(--navy-900); font-size: 14px; }
.contact-card a.card-btn:hover { color: var(--navy-900); }
/* Section head subtitle (Aug 2026 contact redesign) */
.section-head .section-sub { color: #A6BED4; max-width: 640px; margin: 0 auto; }
.section-head.center .section-sub { margin-left: auto; margin-right: auto; }
/* Specialist intro — checkmark trust points + actions (Aug 2026) */
.trust-points { list-style: none; margin: 24px 0 28px; padding: 0; display: grid; gap: 10px; }
.trust-points li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--ink); font-weight: 500; }
.trust-points svg { flex: 0 0 auto; width: 18px; height: 18px; color: var(--gold-600); margin-top: 2px; }
.split-actions { display: flex; gap: 14px; flex-wrap: wrap; }
/* Form eyebrow (Aug 2026 contact redesign) */
.contact-form-panel .form-eyebrow {
  display: inline-block; font-family: var(--font-display); font-weight: 700; font-size: 12.5px;
  letter-spacing: .16em; text-transform: uppercase; color: var(--gold-400);
  background: rgba(212,175,55,.12); border: 1px solid rgba(212,175,55,.35);
  border-radius: 999px; padding: 6px 14px; margin-bottom: 12px;
}
/* Optional-field marker (Aug 2026 contact redesign) */
.form-field .opt { font-size: 12px; font-weight: 400; color: #8FA8C0; font-style: normal; }

/* Premium form panel */
.contact-form-panel {
  position: relative; border-radius: 26px; overflow: hidden;
  background: linear-gradient(160deg, #0A0A12 0%, #10101C 55%, #16162A 100%);
  border: 1px solid rgba(255,255,255,.12);
  box-shadow: 0 40px 80px -20px rgba(0,0,0,.5), 0 0 60px rgba(0,159,227,.12);
}
.contact-form-panel::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(56,196,248,.12) 1.4px, transparent 1.4px);
  background-size: 26px 26px;
  mask-image: linear-gradient(to bottom, black, transparent 70%);
}
.contact-form-panel::after {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37);
  box-shadow: 0 0 20px rgba(212,175,55,.45);
}
.contact-form-panel > .contact-form-inner { position: relative; z-index: 2; padding: clamp(28px, 4vw, 48px); }
.contact-form-panel h3 { color: #fff; font-size: 25px; margin-bottom: 6px; }
.contact-form-panel .form-sub { color: #A6BED4; margin-bottom: 28px; }
.contact-form-panel .form-field label { color: #C9DAEE; }
.contact-form-panel .form-field input,
.contact-form-panel .form-field select,
.contact-form-panel .form-field textarea {
  background: rgba(255,255,255,.07); border: 1.5px solid rgba(255,255,255,.16);
  color: #fff; border-radius: 12px;
}
.contact-form-panel .form-field input::placeholder,
.contact-form-panel .form-field textarea::placeholder { color: #8FA8C0; }
.contact-form-panel .form-field select option { color: var(--ink); background: #fff; }
.contact-form-panel .form-field input:focus,
.contact-form-panel .form-field select:focus,
.contact-form-panel .form-field textarea:focus {
  border-color: var(--gold-500); box-shadow: 0 0 0 4px rgba(212,175,55,.15);
  background: rgba(255,255,255,.1);
}
.contact-form-panel .form-note { color: #8FA8C0; }
.contact-secure {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 16px;
  font-size: 13px; color: #9DB4CC;
}
.contact-secure svg { color: var(--gold-500); flex-shrink: 0; }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
.faq-grid .acc-item { background: #fff; }

/* ---------- Policy pages ---------- */
.policy-layout { display: grid; grid-template-columns: 250px 1fr; gap: 48px; align-items: start; }
.policy-toc { position: sticky; top: 110px; background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--r-md); padding: 20px; max-height: calc(100vh - 140px); overflow-y: auto; }
.policy-toc h4 { font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.policy-toc a { display: block; font-size: 14px; color: var(--body); padding: 7px 10px; border-radius: 8px; border-left: 3px solid transparent; }
.policy-toc a:hover { color: var(--blue-600); background: #fff; }
.policy-toc a.active { color: var(--blue-600); border-left-color: var(--gold-500); background: #fff; font-weight: 600; }
.policy-body h2 { font-size: 24px; margin: 40px 0 14px; scroll-margin-top: 110px; }
.policy-body h2:first-child { margin-top: 0; }
.policy-body p { font-size: 15.5px; margin-bottom: 14px; }
.policy-body ul { margin-bottom: 14px; }
.policy-body li { margin-bottom: 8px; font-size: 15px; }
.policy-body .updated { display: inline-block; background: var(--gold-50); border: 1px solid #E9D48B; color: #7A5C1C; font-size: 13.5px; font-weight: 600; padding: 8px 16px; border-radius: 999px; margin-bottom: 8px; }
.policy-table { width: 100%; border-collapse: collapse; font-size: 14px; margin: 18px 0; }
.policy-table th { background: var(--navy-800); color: #fff; text-align: left; padding: 12px 14px; font-family: var(--font-display); font-size: 13px; }
.policy-table td { border: 1px solid var(--line); padding: 12px 14px; vertical-align: top; }
.policy-table tr:nth-child(even) td { background: var(--bg-alt); }

/* ---------- Footer ---------- */
.site-footer { color: #EAF6FF; background:
    radial-gradient(1000px 460px at 88% -12%, rgba(255,255,255,.14), transparent 58%),
    radial-gradient(720px 420px at -8% 112%, rgba(212,175,55,.18), transparent 55%),
    linear-gradient(160deg, #009FE3 0%, #0073A8 40%, #0073A8 62%, #00598A 100%); }
.footer-top { display: grid; grid-template-columns: 1.3fr 1fr 1.2fr 1.3fr; gap: 40px; padding: clamp(56px, 7vw, 84px) 0 48px; }
.footer-brand img { width: 56px; height: 56px; border-radius: 14px; margin-bottom: 16px; box-shadow: 0 4px 16px rgba(0,0,0,.28), 0 0 0 1px rgba(255,255,255,.35), 0 0 24px rgba(255,255,255,.12); }
.footer-brand p { font-size: 14.5px; line-height: 1.7; margin-bottom: 18px; }
.footer-license { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.footer-license img { width: 44px; height: 48px; object-fit: contain; }
.footer-license .nmls { font-family: var(--font-display); font-weight: 700; color: #fff; font-size: 14px; }
.footer-license small { display: block; font-size: 12px; color: #D6ECFA; }
.footer-col h4 { color: #fff; font-size: 15px; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 20px; }
.footer-col ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 11px; }
.footer-col a { color: #EAF6FF; font-size: 14.5px; transition: color .15s, padding-left .15s; }
.footer-col a:hover { color: var(--gold-400); padding-left: 4px; }
.footer-contact li { display: flex; gap: 11px; align-items: flex-start; font-size: 14.5px; }
.footer-contact svg { color: var(--gold-400); flex-shrink: 0; margin-top: 3px; }
.footer-contact a { color: #EAF6FF; }
.footer-contact a:hover { color: var(--gold-400); padding-left: 0; }
.footer-news, .news-form { display: none; } /* subscribe removed by user decision Aug 2026 */
.footer-compliance { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0; font-size: 12.5px; color: #E6F3FC; line-height: 1.7; }
.footer-compliance a { color: #F6FBFF; text-decoration: underline; }
.footer-compliance a:hover { color: var(--gold-400); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 20px 0; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 13.5px; color: #EAF6FF; }
.footer-bottom .legal { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-bottom .legal a { color: #EAF6FF; font-size: 13.5px; }
.footer-bottom .legal a:hover { color: var(--gold-400); }

/* ---------- Cookie banner (bottom bar) ---------- */
.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 300;
  background: linear-gradient(120deg, rgba(0,104,158,.97), rgba(0,128,196,.97)); backdrop-filter: blur(10px);
  border-top: 2px solid var(--gold-500);
  box-shadow: 0 -20px 50px rgba(5,5,8,.35);
  padding: 14px 0; display: none;
}
.cookie-banner.show { display: block; animation: fadeUp .4s ease; }
.cookie-banner .cookie-inner { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.cookie-banner h4 { font-size: 15px; color: #fff; margin: 0; white-space: nowrap; }
.cookie-banner p { font-size: 13.5px; color: #A6BED4; margin: 0; flex: 1; min-width: 240px; }
.cookie-banner p a { color: var(--gold-500); }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-actions .btn-ghost {
  background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.75);
}
.cookie-actions .btn-ghost:hover { background: rgba(255,255,255,.25); color: #fff; border-color: #fff; }
.cookie-actions .btn-ghost {
  background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.75);
}
.cookie-actions .btn-ghost:hover { background: rgba(255,255,255,.25); color: #fff; border-color: #fff; }

/* ---------- Reveal animations ---------- */
html.js .reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s cubic-bezier(.22,1,.36,1); }
html.js .reveal.in { opacity: 1; transform: none; }
/* TEST-MARKER */
/* TEST-MARKER */
.reveal-delay-1 { transition-delay: .08s; }
.reveal-delay-2 { transition-delay: .16s; }
.reveal-delay-3 { transition-delay: .24s; }

/* ---------- Hero entrance (staggered) ---------- */
.hero-copy > * { opacity: 0; animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards; }
.hero-copy .hero-eyebrow { animation-delay: .1s; }
.hero-copy h1 { animation-delay: .25s; }
.hero-copy .hero-sub { animation-delay: .4s; }
.hero-copy .hero-cta { animation-delay: .55s; }
.hero-copy .hero-trust { animation-delay: .7s; }
.hero-visual .hero-float { opacity: 0; animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards, floaty 5s ease-in-out 1.6s infinite; }
.hero-visual .float-1 { animation-delay: .6s, 1.6s; }
.hero-visual .float-2 { animation-delay: .75s, 1.6s; }
@keyframes heroUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: none; } }

/* ---------- Gold shimmer on hero ribbon ---------- */
.hero-ribbon { position: relative; z-index: 3; height: 6px; overflow: hidden;
  background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37);
  box-shadow: 0 0 24px rgba(212,175,55,.5); }
.hero-ribbon::after { content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg, transparent 20%, rgba(255,255,255,.85) 50%, transparent 80%);
  animation: shimmer 3.2s ease-in-out infinite; }
@keyframes shimmer { 0% { transform: translateX(-100%); } 60%, 100% { transform: translateX(100%); } }

/* ---------- Nav link underline reveal (Hover.css style) ---------- */
.main-nav a { position: relative; }
.main-nav a::after {
  content: ""; position: absolute; left: 15px; right: 15px; bottom: 6px; height: 2.5px;
  border-radius: 2px; background: var(--gold-500);
  transform: scaleX(0); transform-origin: left; transition: transform .28s cubic-bezier(.22,1,.36,1);
}
.main-nav a:hover::after { transform: scaleX(1); }
.main-nav a.active::after { transform: scaleX(1); }

/* ---------- Button sweep hover (Hover.css style) ---------- */
.btn-primary, .btn-accent, .btn-white, .btn-navy { position: relative; overflow: hidden; z-index: 1; }
.btn-primary::before, .btn-accent::before, .btn-white::before, .btn-navy::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  transform: scaleX(0); transform-origin: left; transition: transform .3s cubic-bezier(.22,1,.36,1);
}
.btn-primary::before { background: var(--blue-700); }
.btn-accent::before { background: var(--gold-600); }
.btn-white::before { background: var(--sky-50); }
.btn-navy::before { background: var(--navy-700); }
.btn-primary:hover::before, .btn-accent:hover::before, .btn-white:hover::before, .btn-navy:hover::before { transform: scaleX(1); }

/* ---------- Card glow hover ---------- */
.card { transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.card:hover { transform: translateY(-6px); box-shadow: 0 24px 48px -12px rgba(0,159,227,.22), 0 8px 16px -8px rgba(5,5,8,.1); border-color: var(--blue-200, #A8E4FC); }
.card-navy:hover { box-shadow: 0 24px 48px -12px rgba(212,175,55,.18), 0 8px 16px -8px rgba(5,5,8,.3); }

/* ---------- Image zoom on hover (Ken Burns) ---------- */
.split-media img, .hero-card img { transition: transform .8s cubic-bezier(.22,1,.36,1); }
.split-media:hover img, .hero-card:hover img { transform: scale(1.05); }

/* ---------- Icon pulse on trust items ---------- */
.trust-item .ic { transition: transform .25s ease; }
.trust-item:hover .ic { animation: iconPulse .5s ease; }
@keyframes iconPulse { 0% { transform: scale(1); } 40% { transform: scale(1.15); } 100% { transform: scale(1); } }

/* ---------- Scroll progress bar ---------- */
.scroll-progress { position: fixed; top: 0; left: 0; height: 3px; width: 0%;
  background: linear-gradient(90deg, var(--blue-600), var(--gold-500)); z-index: 400;
  box-shadow: 0 0 12px rgba(0,176,240,.5); }

/* ---------- Back to top ---------- */
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 250; width: 46px; height: 46px;
  border-radius: 13px; border: none; cursor: pointer; display: grid; place-items: center;
  background: var(--navy-800); color: var(--gold-500); box-shadow: var(--shadow-lg);
  opacity: 0; transform: translateY(14px); pointer-events: none;
  transition: opacity .3s ease, transform .3s ease, background .2s;
}
.to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.to-top:hover { background: var(--blue-600); color: #fff; }
.to-top svg { width: 20px; height: 20px; }

/* ---------- Step card hover ---------- */
.step { transition: transform .22s ease, box-shadow .22s ease; }
.step:hover { transform: translateY(-6px); box-shadow: 0 24px 48px -12px rgba(5,5,8,.16); }
.step .ic { transition: transform .25s ease; }
.step:hover .ic { transform: scale(1.12) rotate(-4deg); }

/* ---------- Testimonial card hover ---------- */
.tst-card { transition: transform .22s ease, box-shadow .22s ease; }
.tst-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero-float { animation: none; }
  .calc-eagle-top img { animation: none; }
  .marquee-track { animation: none; }
  .hero-ribbon::after { animation: none; }
  .trust-section::before, .trust-nonqm::before { animation: none; }
  .hero-crossfade img { animation: none; }
  .hero-crossfade img:first-child { opacity: 1; }
  .hero-crossfade img:nth-child(2) { opacity: 0; }
  .hero-copy > * { opacity: 1; animation: none; }
  .hero-visual .hero-float { opacity: 1; animation: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero { position: relative; background: linear-gradient(135deg, var(--navy-900), var(--navy-700) 60%, #1A1A30); color: #fff; padding: clamp(56px, 7vw, 90px) 0; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(56,196,248,.15) 1.5px, transparent 1.5px); background-size: 32px 32px; }
.page-hero::after { content: ""; position: absolute; width: 480px; height: 480px; border-radius: 50%; background: radial-gradient(circle, rgba(0,176,240,.25), transparent 65%); top: -160px; right: -120px; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; font-size: clamp(40px, 5.4vw, 62px); margin-bottom: 12px; }
.page-hero p { color: #C9D8EA; font-size: 17.5px; max-width: 640px; margin: 0; }
.crumbs { display: flex; gap: 8px; align-items: center; font-size: 13.5px; color: #8FA8C0; margin-bottom: 16px; font-family: var(--font-display); font-weight: 500; }
.crumbs a { color: var(--blue-400); }
.crumbs a:hover { color: var(--gold-500); }

/* ---------- Premium page hero (full-bleed brand art) ---------- */
.page-hero-premium { position: relative; color: #fff; overflow: hidden; padding: clamp(64px, 8vw, 110px) 0; background:
    radial-gradient(1100px 520px at 88% -12%, rgba(255,255,255,.30), transparent 58%),
    radial-gradient(760px 440px at -8% 112%, rgba(212,175,55,.24), transparent 55%),
    linear-gradient(158deg, #009FE3 0%, #0073A8 55%, #00598A 100%); }
.page-hero-premium .hero-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.page-hero-premium.obj-right .hero-bg { object-position: 70% 0%; }
.page-hero-premium::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    linear-gradient(100deg, rgba(0,45,95,.84) 0%, rgba(0,60,120,.68) 30%, rgba(0,159,227,.28) 55%, rgba(0,159,227,.05) 75%, rgba(248,250,252,0) 88%),
    linear-gradient(0deg, rgba(0,45,95,.48) 0%, transparent 32%);
}
.page-hero-premium .container { position: relative; z-index: 2; }
.page-hero-premium h1 { color: #fff; font-size: clamp(40px, 5.4vw, 64px); margin-bottom: 14px; text-shadow: 0 4px 30px rgba(5,5,8,.5); }
.page-hero-premium p { color: #DCEAF5; font-size: 17.5px; max-width: 620px; margin: 0; text-shadow: 0 2px 14px rgba(5,5,8,.6); }
.page-hero-premium .crumbs { color: #A6BED4; }
.page-hero-premium .crumbs a { color: var(--blue-400); }
.page-hero-premium .crumbs a:hover { color: var(--gold-500); }
.page-hero-premium .hero-eyebrow { margin-bottom: 18px; }

/* ---------- Eagle hero — dark template, eagle right, no buttons (Aug 2026, contact page) ---------- */
.page-hero-eagle {
  position: relative; color: #fff; overflow: hidden;
  background:
    radial-gradient(rgba(56,196,248,.10) 1.5px, transparent 1.5px),
    linear-gradient(160deg, #050507 0%, #0A0A12 55%, #10101C 100%);
  background-size: 32px 32px, cover;
  padding: clamp(88px, 12vw, 150px) 0 clamp(64px, 8vw, 110px);
}
.page-hero-eagle .container { position: relative; z-index: 2; }
.page-hero-eagle h1 { color: #fff; font-size: clamp(40px, 5.4vw, 64px); margin: 0; text-shadow: 0 4px 30px rgba(5,5,8,.5); }
.page-hero-eagle .crumbs { margin-bottom: 14px; }
.page-hero-eagle .crumbs a { color: var(--blue-400); }
.page-hero-eagle .crumbs a:hover { color: var(--gold-500); }
.hero-eagle-art {
  position: absolute; right: -2%; top: 50%; transform: translateY(-50%);
  width: min(560px, 42vw); pointer-events: none; z-index: 1; isolation: isolate;
}
.hero-eagle-art::before {
  content: ""; position: absolute; inset: -8% -10%; z-index: -1;
  background: radial-gradient(closest-side, rgba(61,196,248,.30), rgba(212,175,55,.14) 58%, transparent 80%);
  filter: blur(4px);
}
.hero-eagle-art img {
  width: 100%; display: block; opacity: .95;
  filter: drop-shadow(0 0 26px rgba(61,196,248,.5)) drop-shadow(0 0 72px rgba(212,175,55,.38));
  animation: eagleFloat 7s ease-in-out infinite;
}
@media (max-width: 720px) {
  .hero-eagle-art { opacity: .3; width: min(420px, 78vw); }
  .page-hero-eagle { padding-top: clamp(96px, 14vw, 120px); }
}

/* ---------- Crossfading hero backgrounds (Ken Burns) ---------- */
.hero-crossfade { position: absolute; inset: 0; }
.hero-crossfade img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 0%; opacity: 0; animation: crossfade 16s ease-in-out infinite; }
.hero-crossfade img:first-child { opacity: 1; animation: crossfadeA 16s ease-in-out infinite; }
.hero-crossfade img:nth-child(2) { animation: crossfadeB 16s ease-in-out infinite; }

/* About hero — raise the crop so the people are fully visible (Aug 2026, user: "raise it a bit more so we can see the people more") */
.page-hero-premium.hero-about-people .hero-crossfade img:first-child { object-position: 50% 45%; }
.page-hero-premium.hero-about-people .hero-crossfade img:nth-child(2) { object-position: 50% 42%; }
@media (max-width: 900px) {
  .page-hero-premium.hero-about-people .hero-crossfade img:first-child { object-position: 50% 38%; }
  .page-hero-premium.hero-about-people .hero-crossfade img:nth-child(2) { object-position: 50% 35%; }
}
@keyframes crossfadeA {
  0%   { opacity: 1; transform: scale(1); }
  40%  { opacity: 1; transform: scale(1.06); }
  50%  { opacity: 0; transform: scale(1.06); }
  90%  { opacity: 0; transform: scale(1); }
  100% { opacity: 1; transform: scale(1); }
}
@keyframes crossfadeB {
  0%   { opacity: 0; transform: scale(1.06); }
  40%  { opacity: 0; transform: scale(1.06); }
  50%  { opacity: 1; transform: scale(1.06); }
  90%  { opacity: 1; transform: scale(1); }
  100% { opacity: 0; transform: scale(1); }
}

/* ============================================================
   SERVICE EXPLORER — interactive program guide (resources.html)
   Premium electric-blue stage + metallic gold, per brand recipe.
   ============================================================ */
.svc-explorer { position: relative; }
.svc-explorer-head { max-width: 720px; }
.svc-explorer-head .lead { color: var(--body); font-size: 17px; margin-top: 6px; }

/* Category tabs — metallic gold capsules */
.svc-tabs { display: flex; flex-wrap: wrap; gap: 10px; margin: 30px 0 20px; }
.svc-tab {
  appearance: none; border: 1px solid rgba(0,159,227,.28); background: #fff;
  color: var(--blue-700); font-family: var(--font-display); font-weight: 600;
  font-size: 13.5px; letter-spacing: .02em; padding: 10px 20px; border-radius: 999px;
  cursor: pointer; transition: all .22s ease; box-shadow: 0 2px 8px rgba(0,80,150,.08);
}
.svc-tab .svc-tab-count {
  display: inline-flex; align-items: center; justify-content: center; min-width: 22px; height: 22px;
  margin-left: 8px; padding: 0 6px; border-radius: 999px; background: var(--sky-50);
  color: var(--blue-600); font-size: 12px; font-weight: 700;
}
.svc-tab:hover { border-color: var(--blue-500); background: var(--sky-50); transform: translateY(-1px); }
.svc-tab.is-active {
  background: var(--gold-sheen); background-size: 200% 100%; color: var(--navy-900);
  border-color: transparent; box-shadow: 0 10px 24px -8px rgba(212,175,55,.55);
}
.svc-tab.is-active .svc-tab-count { background: rgba(5,5,8,.85); color: var(--gold-400); }

/* Layout: list + detail panel */
.svc-grid { display: grid; grid-template-columns: minmax(0, 380px) minmax(0, 1fr); gap: 22px; align-items: stretch; }

/* Program list — white cards, active = gold rail */
.svc-list { display: flex; flex-direction: column; gap: 10px; }
.svc-item {
  display: flex; align-items: center; gap: 14px; width: 100%; text-align: left;
  background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold-500);
  border-radius: 14px; padding: 14px 16px; cursor: pointer; font-family: var(--font-display);
  font-weight: 600; font-size: 14.5px; color: var(--ink); transition: all .2s ease;
  box-shadow: 0 2px 8px rgba(10,10,18,.05);
}
.svc-item:hover { transform: translateY(-2px); box-shadow: 0 10px 22px -8px rgba(0,159,227,.35); border-color: var(--blue-400); }
.svc-item.is-active {
  background: linear-gradient(135deg, #0E2A4A, #00598A 60%, #009FE3);
  border-color: rgba(212,175,55,.55); color: #fff; box-shadow: 0 14px 30px -10px rgba(0,104,158,.6);
}
.svc-item.is-active .svc-item-ic { background: var(--gold-sheen); color: var(--navy-900); }
.svc-item.is-active .svc-item-sub { color: #B9E4FA; }
.svc-item-ic {
  flex: 0 0 auto; width: 42px; height: 42px; border-radius: 11px; display: flex; align-items: center;
  justify-content: center; background: var(--sky-50); color: var(--blue-600); transition: all .2s ease;
}
.svc-item-ic svg { width: 22px; height: 22px; }
.svc-item-txt { min-width: 0; }
.svc-item-txt b { display: block; font-size: 14.5px; line-height: 1.25; }
.svc-item-sub { display: block; margin-top: 3px; font-size: 12px; font-weight: 500; color: var(--muted); }

/* Detail panel — electric blue gradient + glows (page-hero-premium recipe) */
.svc-panel {
  position: relative; border-radius: 24px; overflow: hidden; color: #fff; min-height: 420px;
  display: flex; flex-direction: column;
  background:
    radial-gradient(900px 480px at 88% -12%, rgba(255,255,255,.30), transparent 58%),
    radial-gradient(680px 420px at -8% 112%, rgba(212,175,55,.24), transparent 55%),
    linear-gradient(158deg, #009FE3 0%, #0073A8 55%, #00598A 100%);
  box-shadow: 0 30px 60px -18px rgba(0,104,158,.55), inset 0 1px 0 rgba(255,255,255,.25);
}
.svc-panel::before { /* blueprint dots */
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,.14) 1.5px, transparent 1.5px); background-size: 26px 26px;
}
.svc-panel-inner { position: relative; z-index: 2; padding: clamp(28px, 4vw, 44px); display: flex; flex-direction: column; flex: 1; }

.svc-panel-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; }
.svc-panel-kicker { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 12px; font-family: var(--font-display); font-weight: 700; font-size: 11.5px; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-400); }
.svc-panel-kicker::before { content: ""; width: 26px; height: 3px; border-radius: 2px; background: var(--gold-sheen); }
.svc-panel h3 { color: #fff; font-size: clamp(32px, 3.8vw, 44px); margin: 0 0 12px; letter-spacing: -0.02em; }
.svc-panel-desc { color: #EAF6FF; font-size: 16px; line-height: 1.65; margin: 0 0 20px; max-width: 60ch; }
.svc-panel-desc p { margin: 0 0 10px; color: #EAF6FF; }
.svc-panel-desc p:last-child { margin-bottom: 0; }

.svc-panel-badge {
  flex: 0 0 auto; display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.3);
  color: #F6FBFF; font-family: var(--font-display); font-weight: 700; font-size: 12px;
  letter-spacing: .1em; text-transform: uppercase; padding: 8px 14px; border-radius: 999px;
  white-space: nowrap;
}
.svc-panel-badge.gold { background: rgba(212,175,55,.22); border-color: rgba(232,201,90,.55); color: var(--gold-400); }

/* Stat plaques — engraved glass cards */
.svc-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; margin-bottom: 22px; }
.svc-stat { background: rgba(5,5,8,.28); border: 1px solid rgba(255,255,255,.18); border-radius: 14px; padding: 14px 16px; backdrop-filter: blur(6px); }
.svc-stat b { display: block; font-family: var(--font-display); font-size: 21px; font-weight: 800; color: #fff; line-height: 1.15; }
.svc-stat b em { font-style: normal; color: var(--gold-400); }
.svc-stat span { display: block; margin-top: 4px; font-size: 12px; color: #CBE9F9; letter-spacing: .04em; text-transform: uppercase; }

/* Perks list (checks) */
.svc-perks { margin: 0 0 24px; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 8px 18px; }
.svc-perks li { display: flex; align-items: flex-start; gap: 9px; font-size: 14px; color: #EAF6FF; line-height: 1.45; }
.svc-perks svg { flex: 0 0 auto; width: 18px; height: 18px; color: var(--gold-400); margin-top: 2px; }

/* Panel footer — CTAs */
.svc-panel-foot { margin-top: auto; display: flex; align-items: center; gap: 14px; flex-wrap: wrap; padding-top: 6px; }
.svc-apply {
  display: inline-flex; align-items: center; gap: 10px; background: #fff; color: var(--navy-900);
  font-family: var(--font-display); font-weight: 700; font-size: 14.5px; padding: 13px 24px;
  border-radius: 999px; text-decoration: none; box-shadow: 0 14px 30px -10px rgba(0,40,90,.5);
  transition: transform .2s ease, box-shadow .2s ease;
}
.svc-apply:hover { transform: translateY(-2px); box-shadow: 0 20px 40px -12px rgba(0,40,90,.6); color: var(--navy-900); }
.svc-apply .arr { color: var(--blue-600); font-weight: 800; }
.svc-call {
  display: inline-flex; align-items: center; gap: 9px; color: #F6FBFF; font-family: var(--font-display);
  font-weight: 600; font-size: 14px; text-decoration: none; padding: 12px 20px; border-radius: 999px;
  border: 1px solid rgba(255,255,255,.35); transition: all .2s ease;
}
.svc-call:hover { background: rgba(255,255,255,.14); color: var(--gold-400); border-color: var(--gold-400); }
.svc-call svg { width: 16px; height: 16px; }

.svc-foot { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; margin-top: 26px; }
.svc-foot-note { font-size: 13px; color: var(--muted); margin: 0; }
.svc-foot-note a { color: var(--blue-600); text-decoration: underline; text-underline-offset: 2px; }
.svc-all {
  display: inline-flex; align-items: center; gap: 9px; color: var(--blue-700); font-family: var(--font-display);
  font-weight: 700; font-size: 14px; text-decoration: none; padding: 11px 22px; border: 1.5px solid var(--blue-500);
  border-radius: 999px; transition: all .2s ease;
}
.svc-all:hover { background: var(--blue-600); border-color: var(--blue-600); color: #fff; transform: translateY(-1px); }
.svc-all .arr { transition: transform .2s ease; }
.svc-all:hover .arr { transform: translateX(4px); }

/* Mobile — panel drops below the list */
@media (max-width: 980px) {
  .svc-grid { grid-template-columns: minmax(0, 1fr); }
  .svc-panel { min-height: 0; }
}
@media (max-width: 720px) {
  .svc-panel-inner { padding: 26px 20px; }
  .svc-panel-head { flex-direction: column; }
  .svc-panel-badge { align-self: flex-start; }
  .svc-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .main-nav { display: none; }
  .header-phone { display: none; }
  .nav-toggle { display: block; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; padding: clamp(112px, 14vw, 170px) 0 clamp(64px, 8vw, 96px); }
  /* Mobile: the H1 wraps into 3 tight lines at the inherited 1.15 line-height —
     open it up so the headline breathes. */
  .hero h1 { line-height: 1.3; }
  .hero-slide { object-position: 72% 20%; }
  /* Tablet & mobile: the hero-visual box only held the float cards (now in the
     copy column) — hide it so no empty gap sits under the content. */
  .hero-visual { display: none; }
  /* Tablet & mobile: bring the "Loans up to $3M" / "Funds in 24 hours" cards up
     right below the hero buttons (buttons keep their original spot). */
  .hero-floats-mobile { display: flex; flex-wrap: wrap; gap: 12px; position: relative; }
  .hero-floats-mobile .hero-float { position: static; }
  .hero-visual .hero-float { display: none; }
  .float-1 { left: 0; }
  .float-2 { right: 0; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .step-arrow { display: none; }
  .split { grid-template-columns: 1fr; }
  .split-media { max-width: 640px; }
  .calc-wrap { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  /* Tablet & mobile: footer menus centered (user request Aug 2026) */
  .footer-brand, .footer-col { text-align: center; }
  .footer-brand { display: flex; flex-direction: column; align-items: center; }
  .footer-brand img { margin-left: auto; margin-right: auto; }
  .footer-license { justify-content: center; }
  .footer-contact li { justify-content: center; }
  .policy-layout { grid-template-columns: 1fr; }
  .policy-toc { position: static; max-height: none; }
  .faq-grid { grid-template-columns: 1fr; }
  .tst-slide { flex: 0 0 calc(50% - 12px); }
}
@media (max-width: 720px) {
  .trust-bar .container { grid-template-columns: 1fr; }
  .trust-item + .trust-item { border-left: none; border-top: 1px solid var(--line); }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .contact-cards { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  /* Mobile: footer bottom bar centered to match the centered menus */
  .footer-bottom { flex-direction: column; text-align: center; justify-content: center; }
  .footer-bottom .legal { justify-content: center; }
  .tst-slide { flex: 0 0 100%; }
  .spec-list { grid-template-columns: 1fr; }
  .hero-cta .btn { width: 100%; }
  .cta-actions .btn { width: 100%; }
  .header-inner { height: 72px; }
  .brand-name { font-size: 15px; }
  .brand img { width: 40px; height: 40px; }
  .split-media .quote-card { position: static; margin-top: 18px; }
  .deco-y, .deco-b { display: none; }
  #calculator .calc-suite-head .section-head { margin-bottom: clamp(28px, 3.5vw, 40px); }
  .calc-slide { padding: 26px 20px 32px; }
  .calc-slide-num { font-size: 26px; }
  .calc-slide-tag { font-size: 10px; padding: 5px 10px; }
  .calc-slide h3 { font-size: 24px; }
  .calc-slide-lede { font-size: 14.5px; }
  .calc-slide-desc { font-size: 14px; }
  .calc-slider-nav { gap: 12px; }
}

/* ---------- Our Process — automated gold path (Aug 2026) ---------- */
.process-wrap { position: relative; max-width: 860px; margin: 0 auto; padding: 10px 0 6px; }
.p-track { position: absolute; top: 34px; bottom: 34px; left: 27px; width: 3px;
  background: rgba(212,175,55,.16); border-radius: 3px; overflow: hidden; }
.p-track-fill { position: absolute; inset: 0 auto 0 0; width: 100%; height: 0;
  background: linear-gradient(180deg, #F5E08A, #D4AF37 55%, #B8942A);
  box-shadow: 0 0 14px rgba(212,175,55,.55);
  transition: height .9s cubic-bezier(.4,0,.2,1); }
.p-track-fill::after { content: ""; position: absolute; top: 0; left: 50%; width: 14px; height: 14px;
  transform: translate(-50%,-50%); border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, #F5E08A, #D4AF37 55%, #B8942A);
  box-shadow: 0 0 18px rgba(212,175,55,.85); }
.p-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 30px; }
.p-step { position: relative; padding-left: 72px; }
.p-num { position: absolute; left: 0; top: 2px; width: 56px; height: 56px; border-radius: 50%;
  display: grid; place-items: center; font-weight: 700; font-size: 17px; letter-spacing: .02em;
  color: var(--gold-400); border: 2px solid rgba(212,175,55,.45);
  background: linear-gradient(160deg, var(--navy-700), var(--navy-900));
  transition: border-color .4s ease, box-shadow .4s ease, color .4s ease, transform .4s ease; }
.p-step.active .p-num { color: var(--navy-900); border-color: transparent;
  background: radial-gradient(circle at 35% 28%, #F5E08A, #D4AF37 55%, #B8942A);
  box-shadow: 0 0 0 5px rgba(212,175,55,.14), 0 0 26px rgba(212,175,55,.55);
  transform: scale(1.06); }
.p-num::after { content: ""; position: absolute; inset: -7px; border-radius: 50%;
  border: 1px solid rgba(212,175,55,.28); opacity: 0; transition: opacity .4s ease; }
.p-step.active .p-num::after { opacity: 1; animation: p-pulse 2s ease-out infinite; }
@keyframes p-pulse { 0% { transform: scale(.92); opacity: .9; } 100% { transform: scale(1.28); opacity: 0; } }
.p-txt h3 { margin: 0 0 6px; font-size: 1.22rem; line-height: 1.3; }
.p-txt p { margin: 0; color: #8494AB; font-size: .98rem; line-height: 1.65; max-width: 58ch; }
html.js .p-step { opacity: 0; transform: translateX(28px);
  transition: opacity .45s ease, transform .45s ease; }
html.js .in .p-step { opacity: 1; transform: none; }
html.js .in .p-step:nth-child(2) { transition-delay: .9s; }
html.js .in .p-step:nth-child(3) { transition-delay: 1.8s; }
html.js .in .p-step:nth-child(4) { transition-delay: 2.7s; }
html.js .in .p-step:nth-child(5) { transition-delay: 3.6s; }
@media (max-width: 639px) {
  .p-step { padding-left: 62px; }
  .p-num { width: 46px; height: 46px; font-size: 15px; }
  .p-track { left: 22px; }
  .p-txt h3 { font-size: 1.1rem; }
}
@media (prefers-reduced-motion: reduce) {
  .p-track-fill { transition: none; }
  .p-step.active .p-num::after { animation: none; opacity: 0; }
  .p-step { transition: none; }
}

/* ---------- Animated checklist card (resources.html, Aug 2026) ---------- */
.chk-card {
  position: relative; background: #fff; border-radius: 22px;
  box-shadow: var(--shadow-lg); overflow: hidden;
  display: flex; flex-direction: column;
}
/* Gold shimmer bar on the card's top edge (same recipe as .hero-ribbon) */
.chk-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; z-index: 3;
  background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37);
  box-shadow: 0 0 24px rgba(212,175,55,.5);
  animation: shimmer 3.2s ease-in-out infinite;
}
.chk-head {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 26px 28px 22px;
  background: linear-gradient(120deg, #009FE3, #0073A8 55%, #00598A);
}
.chk-kicker { display: block; font-weight: 700; font-size: 11.5px; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-400); margin-bottom: 4px; }
.chk-head h3 { font-size: 30px; color: #fff; margin: 0; line-height: 1.2; }
.chk-count {
  font-family: var(--font-display); font-weight: 800; font-size: 20px; color: var(--navy-900);
  background: var(--gold-sheen); border-radius: 12px; padding: 8px 14px; line-height: 1;
  box-shadow: 0 6px 18px rgba(212,175,55,.35);
}
.chk-items { display: flex; flex-direction: column; gap: 10px; padding: 20px 20px 6px; flex: 1; }
.chk-item {
  display: flex; align-items: center; gap: 14px;
  background: #F8F9FA; border: 1px solid #E2E8F0; border-radius: 14px;
  padding: 12px 14px;
  transition: border-color .2s, box-shadow .2s, transform .25s ease;
}
html.js .chk-item {
  opacity: 0; transform: translateX(32px);
  transition: opacity .55s cubic-bezier(.22,1,.36,1), transform .55s cubic-bezier(.22,1,.36,1),
              border-color .2s, box-shadow .2s, transform .25s ease;
  transition-delay: calc(var(--i, 0) * 90ms);
}
html.js .reveal.in .chk-item { opacity: 1; transform: none; }
html.js .reveal.in .chk-item:hover { border-color: var(--blue-500); box-shadow: var(--shadow-md); transform: translateX(4px); }
.chk-item:hover { border-color: var(--blue-500); box-shadow: var(--shadow-md); transform: translateX(4px); }
.chk-medal {
  width: 34px; height: 34px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center; color: #fff;
  background: var(--gold-sheen); box-shadow: 0 4px 12px rgba(212,175,55,.4);
}
.chk-txt { flex: 1; min-width: 0; }
.chk-txt b { display: block; font-size: 15px; font-weight: 700; color: var(--ink); line-height: 1.3; }
.chk-txt small { display: block; font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.chk-num { font-family: var(--font-display); font-weight: 800; font-size: 15px; color: #D4AF37; opacity: .85; flex-shrink: 0; }
.chk-cta { padding: 16px 20px 22px; text-align: center; border-top: 1px solid var(--line); background: #fff; }
@media (prefers-reduced-motion: reduce) {
  .chk-card::before { animation: none; }
  html.js .chk-item, html.js .reveal.in .chk-item { opacity: 1; transform: none; transition: none; }
}

/* ============================================================
   SERVICES — premium category banners (homepage, Aug 2026)
   Wide light banners, electric-blue emblem, program chips,
   deep blue base band + gold swoosh + gold shimmer sweep.
   ============================================================ */
.svc-banners { display: grid; gap: 22px; }

.svc-banner {
  position: relative; overflow: hidden; isolation: isolate;
  border-radius: 20px;
  background:
    radial-gradient(120% 160% at 88% -10%, rgba(0,144,240,.10), transparent 55%),
    linear-gradient(135deg, #F4FBFF 0%, #EAF4FD 55%, #E2F0FB 100%);
  border: 1px solid rgba(0,144,240,.16);
  box-shadow: 0 18px 40px -18px rgba(0,80,150,.25), 0 2px 8px rgba(0,80,150,.06);
  transition: transform .35s cubic-bezier(.22,1,.36,1), box-shadow .35s ease, border-color .35s ease;
}
/* gold shimmer strip on the top edge (hero-ribbon recipe) */
.svc-banner::after {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 5px; z-index: 1;
  background: linear-gradient(90deg, #D4AF37, #B8942A 40%, #E8C95A 50%, #B8942A 60%, #D4AF37);
  box-shadow: 0 0 18px rgba(212,175,55,.45);
}
/* animated shine sweep across the banner on hover */
.svc-banner::before {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(105deg, transparent 30%, rgba(255,255,255,.6) 48%, rgba(212,175,55,.16) 52%, transparent 66%);
  transform: translateX(-130%);
}
.svc-banner:hover {
  transform: translateY(-4px); border-color: rgba(212,175,55,.5);
  box-shadow: 0 30px 60px -18px rgba(0,80,150,.35), 0 0 0 3px rgba(212,175,55,.14);
}
.svc-banner:hover::before { transform: translateX(130%); transition: transform .9s ease; }

.svc-banner-top { position: relative; z-index: 2; display: flex; align-items: center; gap: 18px; padding: 30px 32px 18px; }
.svc-banner-emblems { position: relative; width: 64px; height: 64px; flex-shrink: 0; }
.svc-banner-emblems .emblem {
  position: absolute; inset: 0; display: grid; place-items: center; border-radius: 18px;
  background: linear-gradient(135deg, #009FE3, #0073A8); color: #fff;
  box-shadow: 0 12px 26px -8px rgba(0,159,227,.55), inset 0 0 0 1px rgba(255,255,255,.18);
  transition: transform .35s cubic-bezier(.22,1,.36,1);
}
.svc-banner:hover .emblem { transform: rotate(-4deg) scale(1.06); }
.svc-banner-emblems .glow {
  position: absolute; inset: -9px; border-radius: 24px; z-index: -1;
  background: radial-gradient(closest-side, rgba(212,175,55,.32), transparent);
}
.svc-banner-head { flex: 1; min-width: 0; }
.svc-banner-head .kicker {
  display: block; font-size: 11.5px; font-weight: 800; letter-spacing: .14em;
  text-transform: uppercase; color: var(--blue-600);
}
.svc-banner-head h3 { margin: 4px 0 0; font-size: clamp(28px, 3.2vw, 38px); line-height: 1.15; }
.svc-banner-head p { margin: 5px 0 0; font-size: 14.5px; color: var(--muted); max-width: 640px; }
.svc-banner-count {
  flex-shrink: 0; display: grid; place-items: center; min-width: 60px; height: 60px;
  border-radius: 16px; background: rgba(212,175,55,.12); border: 1.5px solid rgba(212,175,55,.45);
  color: #A67C1B; font-family: var(--font-display); font-weight: 800; font-size: 16px; line-height: 1.05; text-align: center;
}
.svc-banner-count small { display: block; font-size: 9px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: #B8942A; }

.svc-banner-chips { position: relative; z-index: 2; display: flex; flex-wrap: wrap; gap: 10px; padding: 0 32px 24px; }
.svc-chip {
  display: inline-flex; align-items: center; gap: 7px; text-decoration: none;
  background: #fff; border: 1px solid rgba(0,144,240,.2); border-radius: 999px;
  padding: 8px 15px; font-size: 13.5px; font-weight: 600; color: var(--blue-700);
  box-shadow: 0 3px 10px -4px rgba(0,80,150,.16); transition: all .22s ease;
}
.svc-chip svg { width: 13px; height: 13px; color: var(--blue-500); flex-shrink: 0; transition: color .22s ease; }
.svc-chip:hover {
  background: var(--gold-sheen); color: var(--navy-900); border-color: transparent;
  transform: translateY(-2px); box-shadow: 0 10px 20px -6px rgba(212,175,55,.5);
}
.svc-chip:hover svg { color: var(--navy-900); }

/* deep blue base band + gold swoosh (reference recipe) */
.svc-banner-base {
  position: relative; z-index: 2; display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 32px 16px 34px;
  background: linear-gradient(120deg, #009FE3, #0073A8 60%, #00598A);
  color: #fff; border-radius: 0 0 20px 20px;
}
.svc-banner-base::after {
  content: ""; position: absolute; right: -1px; bottom: -1px; z-index: 1; pointer-events: none;
  width: 230px; height: 100%; opacity: .95;
  background: linear-gradient(120deg, transparent 38%, rgba(212,175,55,.10) 55%, rgba(212,175,55,.30) 78%, rgba(232,201,90,.4) 100%);
  clip-path: polygon(58% 0, 100% 0, 100% 100%, 0 100%, 34% 58%);
}
.svc-banner-base .base-txt { position: relative; z-index: 2; font-size: 13.5px; font-weight: 600; color: #EAF6FF; }
.svc-banner-base .base-cta {
  position: relative; z-index: 2; display: inline-flex; align-items: center; gap: 8px;
  font-weight: 800; font-size: 14px; color: #fff; text-decoration: none; white-space: nowrap;
  background: rgba(5,5,8,.22); border: 1px solid rgba(255,255,255,.22);
  padding: 10px 18px; border-radius: 999px; transition: all .25s ease;
}
.svc-banner-base .base-cta .arr { color: var(--gold-400); transition: transform .25s ease; }
.svc-banner-base .base-cta:hover { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.45); }
.svc-banner-base .base-cta:hover .arr { transform: translateX(4px); }

@media (max-width: 640px) {
  .svc-banner-top { flex-wrap: wrap; padding: 26px 22px 16px; gap: 14px; }
  .svc-banner-head { flex: 1 1 100%; order: 3; }
  .svc-banner-count { min-width: 52px; height: 52px; font-size: 14px; }
  .svc-banner-chips { padding: 0 22px 20px; }
  .svc-banner-base { flex-direction: column; align-items: flex-start; padding: 14px 22px 16px; }
  .svc-banner-base .base-cta { align-self: flex-start; }
}
@media (prefers-reduced-motion: reduce) {
  .svc-banner { transition: none; }
  .svc-banner::before { display: none; }
  .svc-banner:hover { transform: none; }
}


/* ============================================================
   FIND THE FINANCING THAT FITS — premium category discovery
   ============================================================ */
.fin-section {
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(0,159,227,.08), transparent 60%),
    radial-gradient(900px 460px at 8% 110%, rgba(212,175,55,.07), transparent 55%),
    linear-gradient(180deg, #FFFFFF 0%, #F4FAFE 55%, #FFFFFF 100%);
}
.fin-section .section-head p { max-width: 760px; margin-inline: auto; }

/* ---------- Stat strip ---------- */
.fin-stats {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 18px; margin: 44px auto 56px; max-width: 980px;
}
.fin-stat {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 22px 18px; text-align: center; box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
}
.fin-stat::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue-500), var(--gold-500));
}
.fin-stat b {
  display: block; font-family: var(--font-display); font-weight: 800;
  font-size: clamp(30px, 3.4vw, 42px); line-height: 1.05;
  background: var(--gold-text); -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: var(--gold-600);
}
.fin-stat span { display: block; margin-top: 6px; font-size: 13.5px; font-weight: 600; color: var(--muted); }

/* ---------- 2x2 category cards ---------- */
.fin-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: clamp(22px, 3vw, 36px); max-width: 1100px; margin: 0 auto;
}
.fin-card {
  display: block; text-decoration: none; color: inherit;
  background: #fff; border: 1px solid var(--line); border-radius: 28px;
  overflow: hidden; box-shadow: var(--shadow-md);
  transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}
.fin-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-lg); border-color: var(--blue-100); }
.fin-card-media { position: relative; overflow: hidden; aspect-ratio: 2 / 1; }
.fin-card-media img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .6s cubic-bezier(.22,1,.36,1);
}
.fin-card:hover .fin-card-media img { transform: scale(1.05); }
.fin-card-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(5,5,8,0) 38%, rgba(5,5,8,.55) 78%, rgba(5,5,8,.78) 100%);
}
.fin-num {
  position: absolute; top: 16px; left: 18px; z-index: 2;
  font-family: var(--font-display); font-weight: 800; font-size: 15px; letter-spacing: .08em;
  color: var(--navy-900); background: var(--gold-500);
  border-radius: 999px; padding: 6px 13px; box-shadow: 0 4px 14px rgba(5,5,8,.25);
}
.fin-card-title {
  position: absolute; left: 22px; right: 22px; bottom: 16px; z-index: 2;
}
.fin-card-title h3 {
  margin: 0; color: #fff; font-size: clamp(20px, 2.2vw, 26px); line-height: 1.15;
  text-shadow: 0 2px 12px rgba(5,5,8,.45);
}
.fin-card-body { padding: 20px 24px 24px; display: flex; flex-direction: column; gap: 14px; }
.fin-programs {
  margin: 0; font-size: 14px; line-height: 1.65; color: var(--body);
}
.fin-cta {
  display: inline-flex; align-items: center; gap: 8px; align-self: flex-start;
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
  color: var(--blue-600); transition: color .2s ease;
}
.fin-cta .arr {
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: var(--blue-600); color: #fff; font-size: 15px;
  transition: transform .25s ease, background .25s ease;
}
.fin-card:hover .fin-cta { color: var(--blue-700); }
.fin-card:hover .fin-cta .arr { transform: translateX(4px); background: var(--gold-500); }

/* ---------- Not sure which program fits? ---------- */
.fin-help {
  margin: 52px auto 0; max-width: 720px; text-align: center;
  background: #fff; border: 1px solid var(--line); border-radius: 24px;
  padding: 34px 30px; box-shadow: var(--shadow-md);
}
.fin-help-q {
  margin: 0 0 20px; font-family: var(--font-display); font-weight: 700;
  font-size: clamp(19px, 2.2vw, 24px); color: var(--ink);
}
.fin-help-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .fin-grid { grid-template-columns: 1fr; max-width: 560px; }
  .fin-stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .fin-stats { grid-template-columns: 1fr 1fr; gap: 12px; }
  .fin-stat { padding: 16px 12px; }
  .fin-card-body { padding: 16px 18px 20px; }
}
@media (prefers-reduced-motion: reduce) {
  .fin-card, .fin-card-media img { transition: none; }
  .fin-card:hover { transform: none; }
  .fin-card:hover .fin-card-media img { transform: none; }
}

/* ============================================================
   SERVICES REDESIGN — bright premium, wave hero, category cards
   ============================================================ */

/* ---------- Services hero (light, waves, eagle watermark) ---------- */
.svc-hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 480px at 88% -10%, rgba(0,159,227,.12), transparent 60%),
    radial-gradient(700px 420px at 4% 110%, rgba(212,175,55,.08), transparent 55%),
    linear-gradient(180deg, #FFFFFF 0%, #F2FAFF 100%);
  padding: clamp(56px, 7vw, 92px) 0 clamp(120px, 12vw, 160px);
}
.svc-hero-eagle {
  position: absolute; top: 8%; right: -4%; width: min(480px, 40vw); opacity: .05;
  pointer-events: none; z-index: 0;
}
.svc-hero-eagle img { width: 100%; display: block; }
.svc-hero-inner { position: relative; z-index: 2; }
.svc-hero-inner .crumbs { margin-bottom: 18px; }
.svc-hero-inner h1 {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(38px, 5.4vw, 64px); line-height: 1.04; margin: 10px 0 16px;
}
.svc-hero-inner h1 .t-dark { color: var(--navy-900); }
.svc-hero-inner h1 .t-blue { color: var(--blue-600); }
.svc-hero-inner p {
  font-size: clamp(16px, 1.8vw, 19px); color: var(--body);
  max-width: 560px; line-height: 1.6; margin: 0 0 28px;
}
.svc-hero-waves { position: absolute; left: 0; right: 0; bottom: -1px; z-index: 1; }
.svc-hero-waves svg { display: block; width: 100%; height: clamp(90px, 12vw, 160px); }

/* ------- Discovery section ------- */
.svc-disc { padding-bottom: 0; }

/* ------- Credibility stat strip (highlight) ------- */
.svc-stats {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  background:
    radial-gradient(620px 240px at 0% 0%, rgba(0,159,227,.14), transparent 60%),
    radial-gradient(620px 240px at 100% 100%, rgba(212,175,55,.13), transparent 60%),
    linear-gradient(135deg, #EAF7FD 0%, #F4FBFF 50%, #FDF5E0 100%);
  border: 1px solid rgba(0,159,227,.18);
  border-radius: 30px;
  padding: 22px;
  max-width: 1000px; margin: 44px auto 0;
}
.svc-stat {
  background: #fff; border-radius: 20px;
  padding: 24px 18px 22px; text-align: center; position: relative;
  box-shadow: 0 2px 8px rgba(5,5,8,.05);
  transition: transform .25s ease, box-shadow .25s ease;
  overflow: hidden;
}
.svc-stat::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue-500), var(--gold-500));
  transform: scaleX(0); transform-origin: left; transition: transform .3s ease;
}
.svc-stat:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 36px -14px rgba(0,159,227,.35);
}
.svc-stat:hover::after { transform: scaleX(1); }
.svc-stat-ic {
  display: inline-grid; place-items: center; width: 54px; height: 54px;
  border-radius: 16px; margin-bottom: 12px; position: relative;
  background: linear-gradient(135deg, #009FE3, #00598A);
  color: #fff;
  box-shadow: 0 8px 20px -6px rgba(0,159,227,.5);
  transition: transform .25s ease, box-shadow .25s ease;
}
.svc-stat-ic svg { width: 26px; height: 26px; }
.svc-stat-ic--gold {
  background: linear-gradient(135deg, #E8C95A, #B8942A);
  box-shadow: 0 8px 20px -6px rgba(212,175,55,.55);
}
.svc-stat:hover .svc-stat-ic { transform: translateY(-3px) scale(1.06); }
.svc-stat-ic .gold-arr {
  position: absolute; right: -7px; top: -7px; font-style: normal;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy-900); color: var(--gold-400);
  font-size: 14px; font-weight: 800; line-height: 22px; text-align: center;
  box-shadow: 0 3px 8px rgba(5,5,8,.25);
}
.svc-stat b {
  display: block; font-family: var(--font-display); font-weight: 800;
  font-size: clamp(30px, 3.2vw, 40px); line-height: 1.05;
  background: var(--gold-text); -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: var(--gold-600);
  transition: transform .25s ease;
}
.svc-stat:hover b { transform: scale(1.05); }
.svc-stat > span:last-child {
  display: block; margin-top: 6px; font-size: 13px; font-weight: 600; color: var(--muted);
  letter-spacing: .02em;
}

/* ---------------- Category cards (4-across, homepage parity Aug 2026) ---------------- */
.svc-cats { padding-top: 8px; }
.cat-grid {
  display: grid; grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: clamp(22px, 3vw, 34px); max-width: 1160px; margin: 0 auto;
}
.cat-card { grid-column: auto; }
.cat-card.cat-lg { grid-column: span 2; }
.cat-card {
  display: block; text-decoration: none; color: inherit;
  background: #fff; border-radius: 26px; overflow: hidden;
  box-shadow: 0 4px 18px rgba(5,5,8,.08);
  transition: transform .3s ease, box-shadow .3s ease;
}
.cat-card:hover { transform: translateY(-7px); box-shadow: 0 22px 48px -12px rgba(5,5,8,.18); }
.cat-media { position: relative; overflow: hidden; aspect-ratio: 16 / 9; }
.cat-media img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .6s cubic-bezier(.22,1,.36,1);
}
.cat-card:hover .cat-media img { transform: scale(1.03); }
.cat-media::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(5,5,8,0) 55%, rgba(5,5,8,.28) 100%);
}
.cat-foot {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 24px 20px;
}
.cat-cta {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
  color: var(--blue-600); transition: color .2s ease;
}
.cat-cta .arr {
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: var(--blue-600); color: #fff; font-size: 14px;
  transition: transform .25s ease, background .25s ease;
}
.cat-card:hover .cat-cta { color: var(--blue-700); }
.cat-card:hover .cat-cta .arr { transform: translateX(4px); background: var(--gold-500); }

/* ---------------- Program catalog ---------------- */
.svc-catalog { background: var(--bg-alt); }
.cat-chips {
  display: flex; gap: 10px; justify-content: center; flex-wrap: wrap;
  margin: 0 0 36px;
}
.cat-chip {
  font-family: var(--font-display); font-weight: 600; font-size: 14px;
  padding: 10px 20px; border-radius: 999px; cursor: pointer;
  border: 1.5px solid var(--line); background: #fff; color: var(--body);
  transition: all .22s ease;
}
.cat-chip:hover { border-color: var(--blue-100); color: var(--blue-600); }
.cat-chip.active {
  background: var(--blue-600); border-color: var(--blue-600); color: #fff;
  box-shadow: var(--shadow-blue);
}
.prog-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 18px; max-width: 1160px; margin: 0 auto;
}
.prog-card {
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  padding: 22px 20px; display: flex; flex-direction: column; gap: 10px;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.prog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--blue-100); }
.prog-banner {
  position: relative; width: 100%; height: clamp(64px, 5vw, 92px);
  border-radius: 12px; overflow: hidden; margin: -22px -20px 8px;
  width: calc(100% + 40px);
  border-bottom: 1px solid rgba(0,159,227,.18);
}
.prog-banner img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  animation: progFloat 5s ease-in-out infinite;
}
.prog-card:nth-child(even) .prog-banner img { animation-delay: 1.1s; }
@media (prefers-reduced-motion: reduce) {
  .prog-banner img { animation: none; }
}
.prog-card .ic {
  width: 42px; height: 42px; border-radius: 12px;
  background: var(--sky-50); color: var(--blue-600);
  display: grid; place-items: center; margin-bottom: 2px;
}
.prog-card .ic svg { width: 22px; height: 22px; }
.prog-card h3 { font-size: 16.5px; margin: 0; line-height: 1.25; }
.prog-card p { font-size: 13.5px; color: var(--muted); margin: 0; flex: 1; line-height: 1.55; }
.prog-card .link {
  font-family: var(--font-display); font-weight: 600; font-size: 13.5px;
  color: var(--blue-600); display: inline-flex; align-items: center; gap: 6px;
  text-decoration: none;
}
.prog-card .link .arr { transition: transform .18s; }
.prog-card .link:hover .arr { transform: translateX(4px); }
.prog-card .link + .link { margin-top: 2px; }

/* ---------------- Loan program catalog banner icons (Aug 2026) ---------------- */
/* (prog-banner rules above; keyframes below) */
@keyframes progFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-4px); }
}

/* ---------------- Not sure which program fits? ---------------- */
.svc-help-sec { padding-top: 8px; }
.svc-help {
  max-width: 860px; margin: 0 auto; text-align: center;
  background:
    radial-gradient(500px 260px at 15% 0%, rgba(0,159,227,.07), transparent 60%),
    radial-gradient(500px 260px at 88% 100%, rgba(212,175,55,.08), transparent 60%),
    #fff;
  border: 1px solid var(--line); border-radius: 26px;
  padding: clamp(36px, 5vw, 56px) clamp(24px, 4vw, 48px);
  box-shadow: 0 4px 20px rgba(5,5,8,.06);
}
.svc-help-ic {
  display: inline-grid; place-items: center; width: 64px; height: 64px;
  border-radius: 18px; background: var(--sky-50); color: var(--blue-600);
  margin-bottom: 16px;
}
.svc-help-ic svg { width: 34px; height: 34px; }
.svc-help h2 { font-size: clamp(24px, 3vw, 34px); margin: 0 0 8px; }
.svc-help p { color: var(--muted); font-size: 16px; margin: 0 0 26px; }
.svc-help-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn-gold { background: var(--gold-sheen); background-size: 200% 100%; color: var(--navy-900); box-shadow: var(--shadow-gold); }
.btn-gold:hover { transform: translateY(-2px); background-position: 100% 0; }

/* ---------------- Responsive ---------------- */
@media (max-width: 1080px) {
  .prog-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 1180px) {
  .cat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 760px; }
  .cat-card.cat-lg { grid-column: auto; }
}
@media (max-width: 900px) {
  .cat-grid { grid-template-columns: 1fr; max-width: 620px; }
  .svc-stats { grid-template-columns: repeat(2, 1fr); max-width: 620px; }
}
@media (max-width: 720px) {
  .prog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .prog-grid { grid-template-columns: 1fr; }
  .svc-stats { grid-template-columns: 1fr 1fr; gap: 10px; padding: 14px; }
  .svc-stat { padding: 18px 12px 16px; }
}
@media (prefers-reduced-motion: reduce) {
  .cat-card, .cat-media img, .prog-card { transition: none; }
  .cat-card:hover { transform: none; }
  .cat-card:hover .cat-media img { transform: none; }
}

/* ------- Services hero with artwork bg + animated waves ------- */
.svc-hero-bg { position: absolute; inset: 0; z-index: 0; }
.svc-hero-bg img { width: 100%; height: 100%; object-fit: cover; display: block; }
.svc-hero-shade {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(100deg, rgba(255,255,255,.82) 0%, rgba(255,255,255,.55) 38%, rgba(255,255,255,.12) 68%, rgba(255,255,255,0) 85%);
}
.svc-hero-inner { z-index: 3; }

/* Animated white/blue/gold waves */
.wave-anim { animation: waveSlide 9s ease-in-out infinite alternate; transform-origin: bottom center; }
.wave-anim .w1 { animation: waveShift 7s ease-in-out infinite alternate; }
.wave-anim .w2 { animation: waveShift 8.5s ease-in-out infinite alternate-reverse; }
.wave-anim .w3 { animation: waveShift 10s ease-in-out infinite alternate; }
@keyframes waveShift {
  0% { transform: translateX(0); }
  100% { transform: translateX(26px); }
}
@keyframes waveSlide {
  0% { transform: translateY(0); }
  100% { transform: translateY(7px); }
}

/* Contact hero wave overlay sits on the blue gradient */
.contact-hero-waves .svc-hero-waves { z-index: 3; }
.contact-hero-waves .svc-hero-waves svg { height: clamp(80px, 11vw, 140px); }

@media (prefers-reduced-motion: reduce) {
  .wave-anim, .wave-anim .w1, .wave-anim .w2, .wave-anim .w3 { animation: none; }
}

/* ============================================================
   GOLD AURA — clean single-color glow around number badges
   (multi-color spinning rings removed per client feedback)
   ============================================================ */
@keyframes auraPulse {
  0%, 100% { box-shadow: 0 0 4px rgba(212,175,55,.35); }
  50%      { box-shadow: 0 0 10px rgba(212,175,55,.7); }
}

/* Why-choose number pills (01–05) */
.why-num { z-index: 1; animation: auraPulse 2.6s ease-in-out infinite; }

/* Built-around-you accordion numbers (01–04) */
.built-acc .acc-head .num { position: relative; z-index: 1; animation: auraPulse 2.6s ease-in-out infinite; }

@media (prefers-reduced-motion: reduce) {
  .why-num, .built-acc .acc-head .num { animation: none; }
}

/* ============================================================
   EXPANDING PULSE RING — same animation as the old gold path
   (p-pulse recipe) layered on the current number badges
   ============================================================ */
@keyframes numPulse {
  0%   { transform: scale(.9); opacity: .85; }
  100% { transform: scale(1.45); opacity: 0; }
}

/* Why-choose number pills (01–05) */
.why-num::after {
  content: ""; position: absolute; inset: -6px; border-radius: 999px;
  border: 2px solid rgba(212,175,55,.55);
  animation: numPulse 2.2s ease-out infinite;
  pointer-events: none;
}

/* Built-around-you accordion numbers (01–04) */
.built-acc .acc-head .num::after {
  content: ""; position: absolute; inset: -5px; border-radius: 10px;
  border: 2px solid rgba(212,175,55,.55);
  animation: numPulse 2.2s ease-out infinite;
  pointer-events: none;
}

@media (prefers-reduced-motion: reduce) {
  .why-num::after, .built-acc .acc-head .num::after { animation: none; opacity: 0; }
}

/* ============================================================
   ICON FLOAT — gentle bob for the new badge icons
   ============================================================ */
@keyframes iconFloat {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-4px); }
}
.why-ic img, .step3-ic img { animation: iconFloat 4.5s ease-in-out infinite; }
.why-card:nth-child(2) .why-ic img, .step3:nth-of-type(2) .step3-ic img { animation-delay: .6s; }
.why-card:nth-child(3) .why-ic img, .step3:nth-of-type(3) .step3-ic img { animation-delay: 1.2s; }
.why-card:nth-child(4) .why-ic img { animation-delay: 1.8s; }
.why-card:nth-child(5) .why-ic img { animation-delay: 2.4s; }
@media (prefers-reduced-motion: reduce) {
  .why-ic img, .step3-ic img { animation: none; }
}

/* ============================================================
   FHA LOANS page — light premium hero (Aug 2026)
   ============================================================ */
.fha-hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1000px 480px at 88% -10%, rgba(0,153,224,.10), transparent 60%),
    radial-gradient(720px 420px at 4% 112%, rgba(244,180,0,.07), transparent 55%),
    linear-gradient(180deg, #FFFFFF 0%, #F4FAFF 55%, #EEF6FC 100%);
  padding: clamp(44px, 5.5vw, 72px) 0 clamp(56px, 7vw, 92px);
}
.fha-hero-inner {
  position: relative; z-index: 3;
  display: grid; grid-template-columns: minmax(0, 46%) minmax(0, 54%);
  gap: clamp(28px, 4vw, 56px); align-items: center;
}
.fha-copy { max-width: 620px; }
.fha-copy .crumbs { margin-bottom: 16px; }
.fha-title {
  font-family: var(--font-display); font-weight: 800; text-transform: uppercase;
  font-size: clamp(52px, 7.2vw, 88px); line-height: .98; letter-spacing: -.01em;
  margin: 0 0 12px;
}
.fha-t-blue { color: #0499E0; }
.fha-t-navy { color: #071B55; }
.fha-sub {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(24px, 3vw, 34px); color: #107DE8; margin: 0 0 16px;
}
.fha-lede {
  font-size: clamp(15px, 1.5vw, 17px); line-height: 1.65; color: #4A5D78;
  max-width: 520px; margin: 0 0 28px;
}
.fha-btns { display: flex; gap: 18px; flex-wrap: wrap; margin-bottom: 30px; }
.fha-btn-gold {
  background: linear-gradient(135deg, #FFD15A, #F4B400 55%, #D99500);
  color: #071B55; border: none; box-shadow: 0 10px 24px -8px rgba(217,149,0,.55);
  display: inline-flex; align-items: center; gap: 9px; padding: 14px 26px;
}
.fha-btn-gold:hover { transform: translateY(-2px); box-shadow: 0 16px 32px -10px rgba(217,149,0,.6); color: #071B55; }
.fha-btn-line {
  background: #fff; color: #0E7FE5; border: 2px solid #0E7FE5;
  display: inline-flex; align-items: center; gap: 9px; padding: 13px 24px;
}
.fha-btn-line:hover { background: #0E7FE5; color: #fff; transform: translateY(-2px); }
.fha-quick {
  display: flex; gap: 0; margin-top: 30px; padding-top: 26px;
  border-top: 1px solid rgba(0,121,214,.14);
}
.fha-quick-item { display: flex; gap: 12px; align-items: center; padding: 0 22px; }
.fha-quick-item:first-child { padding-left: 0; }
.fha-quick-item + .fha-quick-item { border-left: 1px solid rgba(0,121,214,.16); }
.fha-quick-ic {
  width: 42px; height: 42px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center; color: #fff;
  background: linear-gradient(135deg, #0499E0, #0079D6);
  box-shadow: 0 6px 14px -4px rgba(0,121,214,.45);
}
.fha-quick-ic svg { width: 19px; height: 19px; }
.fha-quick-item b { display: block; font-size: 15px; font-weight: 700; color: #071B55; }
.fha-quick-item small { display: block; font-size: 13px; color: #5B6D87; }

/* Right visual */
.fha-visual { position: relative; }
.fha-visual-frame {
  position: relative; border-radius: 28px; overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(7,27,85,.35);
  border: 6px solid #fff;
}
.fha-visual-frame img { width: 100%; height: clamp(300px, 34vw, 440px); object-fit: cover; display: block; }
.fha-badge {
  position: absolute; right: -18px; top: -22px; width: clamp(96px, 10vw, 132px);
  aspect-ratio: 1; z-index: 2; animation: fhaBadgeFloat 6s ease-in-out infinite;
}
.fha-badge-ring {
  position: absolute; inset: 0; border-radius: 50%;
  background:
    linear-gradient(#fff, #fff) padding-box,
    linear-gradient(135deg, #F4B400, #D99500 40%, #FFD15A 60%, #F4B400) border-box;
  border: 4px solid transparent;
  box-shadow: 0 12px 28px -10px rgba(217,149,0,.5), 0 0 0 6px rgba(4,153,224,.10);
}
.fha-badge-core {
  position: absolute; inset: 16%; border-radius: 50%; display: grid; place-items: center;
  color: #fff; background: linear-gradient(135deg, #0499E0, #0079D6);
}
.fha-badge-core svg { width: 46%; height: 46%; }

/* ============================================================
   FHA hero animated wordmark — "FHA LOANS" text head (Aug 2026)
   ============================================================ */
.fha-wordmark-frame {
  position: relative;
  display: grid; place-items: center;
  min-height: clamp(300px, 34vw, 440px);
  padding: 34px 14px;
  background:
    radial-gradient(360px 220px at 84% 8%, rgba(4,153,224,.16), transparent 60%),
    radial-gradient(280px 210px at 8% 96%, rgba(244,180,0,.14), transparent 55%),
    linear-gradient(165deg, #FFFFFF 0%, #F2F9FE 52%, #E2EFFB 100%);
  isolation: isolate;
}
.fw-halo {
  position: absolute; left: 50%; top: 50%;
  width: 74%; aspect-ratio: 1; z-index: 0;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(43,158,232,.22), rgba(43,158,232,0) 64%);
  animation: fwBreath 4.6s ease-in-out infinite;
}
.fha-wordmark {
  position: relative; z-index: 1;
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  font-family: var(--font-display); font-weight: 800; text-transform: uppercase;
  line-height: .96; letter-spacing: .01em; text-align: center;
  animation: fwFloat 5.2s ease-in-out infinite;
}
.fw-line { display: flex; justify-content: center; }
.fw-line span {
  display: inline-block;
  animation: fwWave 3.2s ease-in-out infinite, fwShimmer 6.5s linear infinite;
}
.fw-line.fw-blue span {
  font-size: clamp(88px, 11.5vw, 148px);
  background-image: linear-gradient(120deg, #0679C8 0%, #0499E0 32%, #34B4F4 52%, #0079D6 74%, #0679C8 100%);
}
.fw-line.fw-navy span {
  font-size: clamp(58px, 7.6vw, 96px);
  background-image: linear-gradient(120deg, #0A1E55 0%, #12377E 38%, #071B45 74%, #0A1E55 100%);
}
.fw-line.fw-blue span, .fw-line.fw-navy span {
  background-size: 220% 100%;
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}
.fw-line.fw-blue span:nth-child(1) { animation-delay: 0s, 0s; }
.fw-line.fw-blue span:nth-child(2) { animation-delay: -.35s, -1.1s; }
.fw-line.fw-blue span:nth-child(3) { animation-delay: -.7s, -2.2s; }
.fw-line.fw-navy span:nth-child(1) { animation-delay: -.2s, -1.6s; }
.fw-line.fw-navy span:nth-child(2) { animation-delay: -.55s, -2.8s; }
.fw-line.fw-navy span:nth-child(3) { animation-delay: -.9s, -3.9s; }
.fw-line.fw-navy span:nth-child(4) { animation-delay: -1.25s, -5.0s; }
.fw-line.fw-navy span:nth-child(5) { animation-delay: -1.6s, -6.1s; }
.fw-shine {
  position: absolute; z-index: 0;
  top: -12%; left: -24%; width: 68%; height: 124%;
  background: linear-gradient(115deg, transparent 40%, rgba(255,255,255,.55) 50%, transparent 60%);
  transform: skewX(-16deg);
  animation: fwShine 7s ease-in-out infinite;
}
@keyframes fwBreath {
  0%, 100% { transform: translate(-50%, -50%) scale(1); opacity: .8; }
  50% { transform: translate(-50%, -50%) scale(1.14); opacity: 1; }
}
@keyframes fwFloat {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-13px) rotate(-.55deg); }
}
@keyframes fwWave {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-11px); }
}
@keyframes fwShimmer {
  0% { background-position: 0% 50%; }
  100% { background-position: 220% 50%; }
}
@keyframes fwShine {
  0% { transform: skewX(-16deg) translateX(-240%); }
  55%, 100% { transform: skewX(-16deg) translateX(260%); }
}
@media (prefers-reduced-motion: reduce) {
  .fha-wordmark, .fw-line span, .fw-halo, .fw-shine { animation: none !important; }
  .fha-wordmark { transform: none; }
}

/* Split-section placement — "What is an FHA loan" (replaces cat-home-v2.webp) */
.fha-split-media .fha-wordmark-frame {
  min-height: clamp(300px, 34vw, 460px);
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
}

/* waves */
.fha-waves { position: absolute; left: 0; right: 0; bottom: -1px; z-index: 1; }
.fha-waves svg { display: block; width: 100%; height: clamp(70px, 8vw, 110px); }

/* decorative shapes */
.fha-hero-shapes { position: absolute; inset: 0; z-index: 0; pointer-events: none; }
.fha-arc { position: absolute; border-radius: 50%; border: 2px solid rgba(4,153,224,.14); }
.fha-arc-1 { width: 520px; height: 520px; right: -140px; top: -180px; }
.fha-arc-2 { width: 380px; height: 380px; right: 8%; top: 26%; border-color: rgba(244,180,0,.16); }
.fha-arc-3 { width: 260px; height: 260px; right: 34%; bottom: -90px; border-color: rgba(4,153,224,.10); }
.fha-dot {
  position: absolute; width: 6px; height: 6px; border-radius: 50%;
  background: rgba(4,153,224,.35);
}
.fha-dot-1 { right: 12%; top: 12%; box-shadow: 18px 14px 0 rgba(4,153,224,.22), 36px 30px 0 rgba(244,180,0,.30); }
.fha-dot-2 { left: 4%; bottom: 18%; box-shadow: -14px 10px 0 rgba(4,153,224,.2); }
.fha-tri { position: absolute; width: 0; height: 0; border-left: 9px solid transparent; border-right: 9px solid transparent; }
.fha-tri-1 { border-bottom: 14px solid rgba(4,153,224,.22); right: 22%; top: 8%; transform: rotate(14deg); }
.fha-tri-2 { border-bottom: 12px solid rgba(244,180,0,.3); left: 46%; bottom: 8%; transform: rotate(-10deg); }

@keyframes fhaBadgeFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

@media (max-width: 1080px) {
  .fha-hero-inner { grid-template-columns: 1fr; }
  .fha-copy { max-width: 640px; }
  .fha-visual { max-width: 620px; }
}
@media (max-width: 720px) {
  .fha-title { font-size: clamp(44px, 12vw, 60px); }
  .fha-quick { flex-direction: column; gap: 14px; }
  .fha-quick-item { padding: 0; }
  .fha-quick-item + .fha-quick-item { border-left: none; border-top: 1px solid rgba(0,121,214,.14); padding-top: 14px; }
  .fha-badge { right: -4px; top: -6%; }
}

/* ============================================================
   FHA journey — animated 3-step highlight (Aug 2026)
   ============================================================ */
.journey {
  position: relative;
  background:
    radial-gradient(640px 300px at 88% -20%, rgba(4,153,224,.25), transparent 60%),
    radial-gradient(560px 300px at 2% 110%, rgba(244,180,0,.16), transparent 55%),
    linear-gradient(160deg, #071B55 0%, #0A2A6B 58%, #0D3A8F 100%);
  border-radius: 28px;
  padding: clamp(34px, 4.5vw, 54px) clamp(22px, 4vw, 52px) clamp(30px, 4vw, 46px);
  box-shadow: 0 34px 70px -28px rgba(7,27,85,.55);
  overflow: hidden;
}
.journey::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(420px 220px at 18% 0%, rgba(255,255,255,.06), transparent 60%);
}
.journey::after {
  content: ""; position: absolute; width: 300px; height: 300px; right: -90px; top: -120px;
  border-radius: 50%; border: 2px solid rgba(255,255,255,.07);
  box-shadow: 0 0 0 34px rgba(255,255,255,.03), 0 0 0 68px rgba(255,255,255,.02);
}

/* glowing traveling track */
.journey-track { position: relative; height: 30px; margin: 4px 0 6px; z-index: 1; }
.journey-line {
  position: absolute; left: 12.5%; right: 12.5%; top: 50%; height: 3px;
  border-radius: 3px;
  background: linear-gradient(90deg,
    rgba(255,255,255,.08) 0%, rgba(255,255,255,.08) 49%,
    rgba(255,255,255,.08) 100%);
  transform: translateY(-50%);
}
.journey-line::before {
  content: ""; position: absolute; inset: 0; border-radius: 3px;
  background: linear-gradient(90deg, #FFD15A, #F4B400, #FFD15A);
  background-size: 200% 100%;
  animation: journeyFill 7s ease-in-out infinite;
  transform: scaleX(0); transform-origin: left;
}
.journey-stop {
  position: absolute; top: 50%; width: 14px; height: 14px; border-radius: 50%;
  transform: translate(-50%, -50%);
  background: rgba(255,255,255,.22);
  border: 2px solid rgba(255,255,255,.35);
  transition: background .35s, box-shadow .35s, border-color .35s;
}
.journey-stop-1 { left: 16%; }
.journey-stop-2 { left: 50%; }
.journey-stop-3 { left: 84%; }
.journey-cursor {
  position: absolute; top: 50%; left: 16%; z-index: 2;
  width: 26px; height: 26px; border-radius: 50%;
  transform: translate(-50%, -50%);
  background: radial-gradient(circle at 35% 30%, #FFE9A8, #FFD15A 45%, #D99500 100%);
  box-shadow: 0 0 0 5px rgba(244,180,0,.22), 0 0 22px 4px rgba(244,180,0,.55), 0 0 44px 10px rgba(244,180,0,.22);
  animation: journeyCursor 7s ease-in-out infinite;
}
.journey-cursor::after {
  content: ""; position: absolute; inset: 8px; border-radius: 50%;
  background: rgba(255,255,255,.35);
}
.journey-cursor::before {
  content: ""; position: absolute; top: -2px; left: -2px; right: -2px; bottom: -2px;
  border-radius: 50%; border: 2px solid rgba(255,255,255,.65);
  animation: journeyPulse 1.4s ease-out infinite;
}

@keyframes journeyCursor {
  0%, 6%   { left: 16%; box-shadow: 0 0 0 5px rgba(244,177,0,.22), 0 0 22px 4px rgba(244,180,0,.55), 0 0 60px 10px rgba(244,180,0,.22); }
  15%, 36% { left: 50%;   box-shadow: 0 0 0 5px rgba(244,177,0,.22), 0 0 22px 4px rgba(244,180,0,.55), 0 0 60px 10px rgba(244,180,0,.22); }
  45%, 66% { left: 84%; box-shadow: 0 0 0 5px rgba(244,177,0,.22), 0 0 22px 4px rgba(244,180,0,.55), 0 0 60px 10px rgba(244,180,0,.22); }
  75%, 100% { left: 16%; }
}
@keyframes journeyFill {
  0%   { transform: scaleX(0); opacity: 0; }
  10%  { opacity: 1; }
  35%  { transform: scaleX(.33); }
  64%  { transform: scaleX(.66); }
  90%  { transform: scaleX(1); opacity: 1; }
  100% { transform: scaleX(1); opacity: 0; }
}
@keyframes journeyPulse {
  0%   { transform: scale(.6); opacity: .9; }
  100% { transform: scale(1.9); opacity: 0; }
}

/* step cards on navy */
.journey-steps { position: relative; z-index: 1; }
.journey-steps .step {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 20px;
  padding: 30px 26px;
  box-shadow: none;
  backdrop-filter: blur(6px);
  transition: transform .25s ease, border-color .25s ease, background .35s ease;
  animation: stepGlow 7s ease-in-out infinite;
  animation-delay: var(--d, 0s);
}
.journey-steps .step:nth-child(1) { --d: 1.0s; }
.journey-steps .step:nth-child(2) { --d: 3.2s; }
.journey-steps .step:nth-child(3) { --d: 5.4s; }
.journey-steps .step:hover {
  transform: translateY(-4px);
  border-color: rgba(244,180,0,.55);
  background: rgba(255,255,255,.11);
}
.journey-steps .step-num {
  color: #FFD15A;
  background: rgba(244,180,0,.12);
  border: 1px solid rgba(244,180,0,.4);
  transition: background .3s, box-shadow .3s, color .3s;
}
.journey-steps .step h3 { color: #fff; }
.journey-steps .step p { color: #A6BED4; }
@keyframes stepGlow {
  0%, 100% { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.16); box-shadow: 0 0 0 0 rgba(244,180,0,0); }
  18%, 32% { background: rgba(255,255,255,.12); border-color: rgba(244,180,0,.55); box-shadow: 0 0 0 4px rgba(244,180,0,.10), 0 0 34px -6px rgba(244,180,0,.35); }
  45% { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.16); box-shadow: 0 0 0 0 rgba(244,180,0,0); }
}
/* numbers light gold while their step glows */
.journey-steps .step:nth-child(1) .step-num { animation: numLight 7s ease-in-out infinite; animation-delay: 1.0s; }
.journey-steps .step:nth-child(2) .step-num { animation: numLight 7s ease-in-out infinite; animation-delay: 3.2s; }
.journey-steps .step:nth-child(3) .step-num { animation: numLight 7s ease-in-out infinite; animation-delay: 5.4s; }
@keyframes numLight {
  0%, 100% { color: #FFD15A; background: rgba(244,180,0,.12); box-shadow: 0 0 0 0 rgba(244,180,0,0); }
  18%, 32% { color: #071B55; background: linear-gradient(135deg, #FFD15A, #F4B400); box-shadow: 0 6px 16px -4px rgba(244,180,0,.5); }
  45% { color: #FFD15A; background: rgba(244,180,0,.12); box-shadow: 0 0 0 0 rgba(244,180,0,0); }
}
.journey-cta { text-align: center; margin-top: 34px; position: relative; z-index: 1; }

@media (prefers-reduced-motion: reduce) {
  .journey-cursor, .journey-line::before, .journey-steps .step,
  .journey-steps .step-num { animation: none !important; }
  .journey-cursor { left: 16%; }
  .journey-line::before { transform: scaleX(0); }
}
@media (max-width: 720px) {
  .journey-track { display: none; }
  .journey-steps .step { animation: none !important; }
  .journey-steps .step .step-num { animation: none !important; }
}

/* FHA benefit cards */
.fha-benefit-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px;
}
.fha-benefit {
  background: #fff; border: 1px solid rgba(0,159,227,.16); border-radius: 20px;
  padding: 28px 26px; box-shadow: 0 10px 26px -14px rgba(5,5,8,.14);
  transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}
.fha-benefit:hover { transform: translateY(-5px); border-color: rgba(212,175,55,.5); box-shadow: 0 22px 40px -16px rgba(5,5,8,.2); }
.fha-benefit-ic {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  color: #fff; background: linear-gradient(135deg, #0499E0, #0079D6);
  box-shadow: 0 8px 18px -8px rgba(4,153,224,.5); margin-bottom: 16px;
}
.fha-benefit-ic svg { width: 24px; height: 24px; }
.fha-benefit h3 { font-size: 18px; margin: 0 0 8px; color: #071B55; }
.fha-benefit p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.6; }
@media (max-width: 900px) {
  .fha-benefit-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  .fha-benefit-grid { grid-template-columns: 1fr; }
}

/* FHA eligibility cards (navy section) */
.fha-elig-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px;
}
.fha-elig {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14);
  border-radius: 18px; padding: 26px 24px; backdrop-filter: blur(8px);
  transition: transform .25s ease, border-color .25s ease, background .25s;
}
.fha-elig:hover { transform: translateY(-4px); border-color: rgba(212,175,55,.5); background: rgba(255,255,255,.09); }
.fha-elig-num {
  display: inline-grid; place-items: center; width: 34px; height: 34px;
  border-radius: 10px; font-family: var(--font-display); font-weight: 800; font-size: 13px;
  color: var(--navy-900); background: var(--gold-sheen); margin-bottom: 14px;
}
.fha-elig h3 { color: #fff; font-size: 17px; margin: 0 0 8px; }
.fha-elig p { color: #A6BED4; font-size: 14px; line-height: 1.6; margin: 0; }
@media (max-width: 900px) {
  .fha-elig-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  .fha-elig-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  .fha-badge { animation: none; }
}

/* ============================================================
   WHY CHOOSE — clean premium highlight layout (Aug 2026)
   intro left + 2x2 white cards + full-width gold highlight card
   ============================================================ */
.why-layout {
  display: grid; grid-template-columns: minmax(0, 400px) minmax(0, 1fr);
  gap: clamp(36px, 5vw, 68px); align-items: center;
}
.why-intro h2 { margin: 14px 0 0; }
.why-intro p {
  margin: 18px 0 0; font-size: clamp(16px, 1.6vw, 17.5px);
  line-height: 1.7; color: var(--muted);
}
.why-intro .btn { margin-top: 28px; }

.why-cards {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(18px, 2.4vw, 26px);
}
.why-card {
  position: relative; display: block;
  background: #fff; border: 1px solid var(--line);
  border-radius: 22px; padding: 26px 24px 24px;
  box-shadow: 0 12px 30px -10px rgba(5,5,8,.10);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.why-card:hover {
  transform: translateY(-6px); border-color: var(--blue-100);
  box-shadow: 0 22px 44px -12px rgba(5,5,8,.16);
}
.why-num {
  position: absolute; top: 18px; right: 20px;
  font-family: var(--font-display); font-weight: 800; font-size: 13px;
  letter-spacing: .08em; color: var(--blue-600);
  background: #fff; border: 1px solid rgba(0,159,227,.35);
  border-radius: 999px; padding: 4px 11px;
  box-shadow: 0 2px 8px rgba(5,5,8,.08);
}
.why-ic {
  display: inline-grid; place-items: center;
  width: 76px; height: 76px; border-radius: 50%; margin-bottom: 16px;
  background: linear-gradient(135deg, rgba(0,159,227,.16), rgba(0,159,227,.05));
  border: 1.5px solid transparent;
  background:
    linear-gradient(#FFFFFF, #FFFFFF) padding-box,
    linear-gradient(135deg, #F5E08A, #D4AF37 45%, #E8C95A 60%, #B8942A) border-box;
  box-shadow: 0 0 0 4px rgba(212,175,55,.14), 0 8px 18px -8px rgba(9,9,20,.18);
  position: relative;
  transition: transform .25s ease;
}
.why-ic::after {
  content: ""; position: absolute; inset: -8px; border-radius: 50%;
  border: 1px dashed rgba(212,175,55,.4);
}
.why-ic img { width: 62px; height: 62px; object-fit: contain; }
.why-card:hover .why-ic { transform: translateY(-3px) scale(1.05); }
.why-card h3 {
  margin: 0 0 8px; font-family: var(--font-display); font-weight: 800;
  font-size: 19px; letter-spacing: -0.01em; color: var(--ink);
}
.why-card p { margin: 0; font-size: 14.5px; line-height: 1.6; color: var(--muted); }

/* 5th card — full-width premium highlight on the brand gradient */
.why-card.why-hl {
  grid-column: 1 / -1;
  display: grid; grid-template-columns: auto minmax(0, 1fr);
  align-items: center; gap: 22px;
  padding: 30px 32px; overflow: hidden;
  background: linear-gradient(135deg, #009FE3 0%, #0073A8 55%, #00598A 100%);
  border: none; color: #fff;
}
.why-card.why-hl::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px;
  background: linear-gradient(90deg, #D4AF37, #B8942A, #E8C95A, #D4AF37);
  background-size: 200% 100%;
  animation: goldSlide 4.5s linear infinite;
}
.why-card.why-hl .why-ic {
  background:
    linear-gradient(rgba(255,255,255,.96), rgba(255,255,255,.96)) padding-box,
    linear-gradient(135deg, #F5E08A, #D4AF37 45%, #E8C95A 60%, #B8942A) border-box;
  border-color: transparent;
  box-shadow: 0 4px 14px rgba(5,5,8,.25), 0 0 0 4px rgba(255,255,255,.10);
}
.why-card.why-hl .why-ic::after { border-color: rgba(255,255,255,.35); }
.why-card.why-hl h3 { color: #fff; }
.why-card.why-hl p { color: #EAF6FF; }
.why-card.why-hl .why-num {
  color: var(--gold-500); border-color: rgba(212,175,55,.6);
}

@media (max-width: 1080px) {
  .why-layout { grid-template-columns: 1fr; }
  .why-intro { max-width: 640px; }
}
@media (max-width: 720px) {
  .why-cards { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .why-card.why-hl { padding: 26px 22px; }
}
@media (prefers-reduced-motion: reduce) {
  .why-card { transition: none; }
  .why-card.why-hl::before { animation: none; }
}

/* ============================================================
   THREE STEPS — "Golden Flight Path" night-flight stage
   (dark navy + flowing gold path + frosted cards + comet arrows)
   ============================================================ */
.steps-section {
  position: relative; overflow: hidden;
  background:
    radial-gradient(720px 300px at 50% -8%, rgba(0,159,227,.16), transparent 60%),
    radial-gradient(560px 300px at -4% 108%, rgba(212,175,55,.12), transparent 55%),
    radial-gradient(560px 300px at 104% 108%, rgba(0,159,227,.12), transparent 55%),
    linear-gradient(180deg, #0A1B33 0%, #0E2A4A 55%, #0A1B33 100%);
}
.steps-section .section-head h2 { color: #fff; }
.steps-section .section-head p { color: rgba(255,255,255,.78); }
.steps-section .eyebrow { color: #EAF6FF; }
.steps-bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; }
.steps-eagle {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: min(720px, 70vw); opacity: .05; filter: grayscale(1) brightness(1.4);
}
.steps-path {
  position: absolute; left: 0; right: 0; top: 50%; transform: translateY(-50%);
  width: 100%; height: 220px; opacity: .5;
  animation: pathFlow 3.2s linear infinite;
}
@keyframes pathFlow { to { stroke-dashoffset: -56; } }
.steps-glow {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: min(860px, 90vw); height: 300px; border-radius: 50%;
  background: radial-gradient(closest-side, rgba(212,175,55,.14), transparent);
  animation: glowBreathe 4s ease-in-out infinite;
}
@keyframes glowBreathe {
  0%, 100% { opacity: .55; transform: translate(-50%, -50%) scale(1); }
  50%      { opacity: 1;   transform: translate(-50%, -50%) scale(1.06); }
}
.steps3 {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 64px 1fr 64px 1fr;
  align-items: stretch; gap: 0;
}
.step3 {
  position: relative;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 20px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 18px 40px -18px rgba(0,0,0,.5), inset 0 1px 0 rgba(255,255,255,.12);
  padding: 28px 26px 30px;
  text-align: center;
  transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease;
}
.step3:hover {
  transform: translateY(-5px);
  border-color: rgba(212,175,55,.55);
  box-shadow: 0 0 0 1px rgba(212,175,55,.25), 0 0 34px -6px rgba(212,175,55,.35), 0 18px 40px -18px rgba(0,0,0,.5);
}
.step3 h3 { color: #fff; font-size: 19px; margin: 0 0 10px; }
.step3 p { color: rgba(255,255,255,.78); font-size: 15px; line-height: 1.65; margin: 0; }
.step3-num {
  display: inline-grid; place-items: center;
  width: 34px; height: 34px; border-radius: 50%;
  background: linear-gradient(135deg, #F5E08A, #D4AF37 55%, #B8942A);
  color: #0A1B33; font-family: var(--font-display); font-weight: 800; font-size: 13px;
  box-shadow: 0 0 0 3px rgba(212,175,55,.18), 0 0 16px rgba(212,175,55,.45);
  margin: 0 auto 14px;
}
.step3-ic {
  width: 86px; height: 86px; margin: 0 auto 18px; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.22);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.14);
  position: relative;
  transition: transform .22s ease, box-shadow .22s ease;
}
.step3-ic img { width: 66px; height: 66px; object-fit: contain; }
.step3:hover .step3-ic { transform: translateY(-3px) scale(1.06); box-shadow: 0 10px 22px -8px rgba(0,159,227,.4); }
.step3-ic::after {
  content: ""; position: absolute; inset: 0; border-radius: 50%;
  background: linear-gradient(135deg, rgba(212,175,55,.55), rgba(0,159,227,.45)) border-box;
  -webkit-mask: linear-gradient(#fff 0 0) padding-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  opacity: 0; transition: opacity .22s ease;
}
.step3:hover .step3-ic::after { opacity: 1; }
/* continuous gold link between steps — the flow reads as one line */
.step3-conn {
  position: relative; align-self: center; height: 4px;
  background: linear-gradient(90deg, rgba(212,175,55,.9), rgba(245,224,138,.95), rgba(212,175,55,.9));
  border-radius: 999px;
  box-shadow: 0 0 14px rgba(212,175,55,.55);
}
.step3-conn::after {
  content: ""; position: absolute; top: 50%; right: -1px;
  width: 0; height: 0; transform: translateY(-50%);
  border-top: 8px solid transparent; border-bottom: 8px solid transparent;
  border-left: 12px solid #F5E08A;
  filter: drop-shadow(0 0 6px rgba(212,175,55,.8));
}
@media (prefers-reduced-motion: reduce) {
  .steps-path { animation: none; }
  .steps-glow { animation: none; }
}
@media (max-width: 980px) {
  .steps3 { grid-template-columns: 1fr; gap: 18px; }
  .step3-conn { width: 4px; height: 30px; margin: 0 auto; align-self: center; }
  .step3-conn::after {
    border-top: 8px solid transparent; border-bottom: 8px solid transparent;
    border-left: none; border-right: 12px solid #F5E08A;
    top: auto; right: auto; left: 50%; bottom: -1px;
    transform: translateX(-50%);
  }
  .steps-path { height: 300px; }
}
@media (max-width: 720px) {
  .step3 { padding: 26px 20px 26px; }
  .step3-ic { width: 72px; height: 72px; }
  .step3-ic img { width: 58px; height: 58px; }
}

/* ============ Homepage category showcase (premium 2+3) ============ */

/* ============ Homepage category showcase (premium 2+3) ============ */

/* ============ Homepage category showcase (premium 2+3) ============ */

/* ============ Homepage category showcase (premium 2+3) ============ */

/* ============ Homepage category showcase (premium 2+3) ============ */

/* ============ Homepage category showcase (premium 2+3) ============ */
.cat-showcase { position: relative; overflow: hidden; }
.cat-showcase { background:
  radial-gradient(900px 420px at 85% -10%, rgba(212,175,55,.09), transparent 60%),
  radial-gradient(700px 380px at -5% 110%, rgba(0,159,227,.06), transparent 60%),
  linear-gradient(180deg, #FDFDFD 0%, #F7FAFC 50%, #F1F6FA 100%); }
.cat-bg { position: absolute; inset: 0; z-index: 0; pointer-events: none; }
.cat-bg::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(212,175,55,.08), transparent 60%),
    radial-gradient(700px 380px at -5% 110%, rgba(0,159,227,.05), transparent 60%);
}
.cat-bg::after {
  content: ""; position: absolute; inset: 0; opacity: .4;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Cpath d='M0 60 Q 30 40 60 60 T 120 60' fill='none' stroke='%23009FE3' stroke-opacity='.08' stroke-width='1.5'/%3E%3Cpath d='M0 90 Q 30 70 60 90 T 120 90' fill='none' stroke='%23009FE3' stroke-opacity='.06' stroke-width='1.5'/%3E%3C/svg%3E");
  background-size: 120px 120px;
}
.cat-dots { position: absolute; width: 150px; height: 150px; opacity: .5; }
.cat-dots::before, .cat-dots::after {
  content: ""; position: absolute; width: 5px; height: 5px; border-radius: 50%;
  background: var(--gold-500); opacity: .35;
  box-shadow: 18px 0 0 rgba(212,175,55,.3), 36px 0 0 rgba(212,175,55,.25),
    0 18px 0 rgba(212,175,55,.3), 18px 18px 0 rgba(212,175,55,.25), 36px 18px 0 rgba(212,175,55,.2),
    0 36px 0 rgba(212,175,55,.25), 18px 36px 0 rgba(212,175,55,.2), 36px 36px 0 rgba(212,175,55,.15);
}
.cat-dots::after { display: none; }
.dots-tl { top: 40px; left: 30px; }
.dots-br { bottom: 40px; right: 30px; transform: rotate(180deg); }
.cat-ribbon {
  position: absolute; top: 50%; left: -8%; width: 116%; height: 2px;
  background: linear-gradient(90deg, transparent, rgba(212,175,55,.5), transparent);
  transform: rotate(-2deg); z-index: 0;
}
.cat-showcase .container { position: relative; z-index: 1; }

/* scoped to the homepage showcase (dead on services; bare .cat-grid here used to
   override the services 4-across grid — Aug 2026, see the svc-cats block above) */
.cat-showcase .cat-grid {
  display: grid; grid-template-columns: repeat(6, 1fr);
  gap: clamp(22px, 3vw, 34px); max-width: 1160px; margin: 0 auto;
}
.cat-showcase .cat-card { grid-column: span 2; }
.cat-showcase .cat-card.cat-lg { grid-column: span 3; }
.cat-card {
  display: block; text-decoration: none; color: inherit;
  background: linear-gradient(160deg, rgba(255,255,255,.92), rgba(214,240,252,.72));
  -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px);
  border-radius: 26px; overflow: hidden;
  box-shadow: 0 8px 32px -6px rgba(0,159,227,.22), 0 2px 8px rgba(5,5,8,.06);
  border: 1.5px solid rgba(0,159,227,.28);
  background-clip: padding-box;
  position: relative;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  animation: catBubble 6s ease-in-out infinite;
}
.cat-card:nth-child(2) { animation-delay: .8s; }
.cat-card:nth-child(3) { animation-delay: 1.6s; }
.cat-card:nth-child(4) { animation-delay: 2.4s; }
.cat-card:nth-child(5) { animation-delay: 3.2s; }
@keyframes catBubble {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-7px); }
}
.cat-card::before {
  content: ""; position: absolute; inset: -1.5px; z-index: 2; pointer-events: none;
  border-radius: 26px; padding: 1.5px;
  background: linear-gradient(135deg, rgba(0,159,227,.75), rgba(212,175,55,.55) 50%, rgba(0,159,227,.35));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  opacity: .6; transition: opacity .3s ease;
}
.cat-card:hover::before { opacity: 1; }
.cat-card:hover {
  box-shadow: 0 24px 52px -10px rgba(0,159,227,.35), 0 4px 12px rgba(5,5,8,.08);
  border-color: rgba(0,159,227,.5);
}
.cat-card:hover { animation-play-state: paused; }
.cat-media { display: block; position: relative; overflow: hidden; aspect-ratio: 16 / 9; }
.cat-media img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .6s cubic-bezier(.22,1,.36,1);
}
.cat-card:hover .cat-media img { transform: scale(1.03); }
.cat-media::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(5,5,8,0) 55%, rgba(5,5,8,.28) 100%);
}
.cat-num {
  position: absolute; top: 16px; left: 18px; z-index: 3;
  font-family: var(--font-display); font-weight: 800; font-size: 15px;
  color: var(--gold-600); letter-spacing: .08em;
  background: rgba(255,255,255,.92); border: 1px solid rgba(212,175,55,.4);
  border-radius: 999px; padding: 5px 13px;
  box-shadow: 0 2px 10px rgba(5,5,8,.12);
}
.cat-chip {
  position: absolute; top: 16px; right: 18px; z-index: 3;
  font-family: var(--font-display); font-weight: 700; font-size: 12px;
  letter-spacing: .1em; text-transform: uppercase; color: var(--navy-900);
  background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
  border-radius: 999px; padding: 6px 14px;
  box-shadow: 0 4px 14px rgba(212,175,55,.45);
}
.cat-body { display: block; padding: 20px 24px 24px; }
.cat-body h3 { display: block; font-size: clamp(20px, 2.2vw, 24px); margin: 0 0 8px; color: var(--navy-900); }
.cat-progs { display: block; font-size: 14px; color: var(--muted); margin: 0 0 16px; line-height: 1.6; }
.cat-cta {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
  color: var(--blue-600); transition: color .2s ease;
}
.cat-cta .arr {
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: var(--blue-600); color: #fff; font-size: 14px;
  transition: transform .25s ease, background .25s ease;
}
.cat-card:hover .cat-cta { color: var(--blue-700); }
.cat-card:hover .cat-cta .arr { transform: translateX(4px); background: var(--gold-500); }

/* ============ Homepage financing grid — premium floating cards (Aug 2026) ============ */
.fin-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(18px, 2.4vw, 30px); max-width: 1220px; margin: 0 auto;
}
.fin-card {
  display: block; position: relative; text-decoration: none; color: inherit;
  background: #fff;
  border-radius: 24px; overflow: hidden;
  box-shadow: 0 10px 30px -8px rgba(5,5,8,.10), 0 2px 8px rgba(5,5,8,.05);
  border: 1.5px solid rgba(0,159,227,.30);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  animation: finFloat 6s ease-in-out infinite;
}
.fin-card:nth-child(2) { animation-delay: .9s; }
.fin-card:nth-child(3) { animation-delay: 1.8s; }
.fin-card:nth-child(4) { animation-delay: 2.7s; }
@keyframes finFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
.fin-card::before {
  content: ""; position: absolute; inset: -1.5px; z-index: 2; pointer-events: none;
  border-radius: 24px; padding: 1.5px;
  background: linear-gradient(135deg, rgba(0,159,227,.85), rgba(0,159,227,.3) 45%, rgba(0,115,168,.45) 80%, rgba(0,159,227,.7));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude;
  opacity: .65; transition: opacity .3s ease;
}
.fin-card:hover::before { opacity: 1; }
.fin-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 26px 54px -12px rgba(5,5,8,.20), 0 0 0 1px rgba(0,159,227,.18), 0 0 26px rgba(0,159,227,.14);
  border-color: rgba(0,159,227,.5);
}
.fin-card:hover { animation-play-state: paused; }
.fin-num {
  position: absolute; top: 16px; left: 18px; z-index: 3;
  font-family: var(--font-display); font-weight: 800; font-size: 14px;
  color: var(--gold-600); letter-spacing: .08em;
  background: rgba(255,255,255,.94); border: 1px solid rgba(212,175,55,.45);
  border-radius: 999px; padding: 5px 12px;
  box-shadow: 0 2px 10px rgba(5,5,8,.12);
}
.fin-media { display: block; position: relative; overflow: hidden; aspect-ratio: 3 / 2; }
.fin-media img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .6s cubic-bezier(.22,1,.36,1);
}
.fin-card:hover .fin-media img { transform: scale(1.04); }
.fin-media::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(5,5,8,0) 60%, rgba(5,5,8,.22) 100%);
}
.fin-body { display: block; padding: 18px 22px 20px; }
.fin-cta {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
  color: var(--navy-900); transition: color .2s ease;
}
.fin-cta .arr {
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
  color: var(--navy-900); font-size: 14px;
  box-shadow: 0 3px 10px rgba(212,175,55,.4);
  transition: transform .25s ease, box-shadow .25s ease;
}
.fin-card:hover .fin-cta { color: var(--gold-600); }
.fin-card:hover .fin-cta .arr { transform: translateX(4px); box-shadow: 0 4px 14px rgba(212,175,55,.55); }

.cat-bottom { text-align: center; margin-top: clamp(36px, 5vw, 52px); }
.cat-help {
  font-family: var(--font-display); font-weight: 700; font-size: clamp(18px, 2.4vw, 22px);
  color: var(--navy-900); margin: 0 0 18px;
}
.cat-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

@media (max-width: 1180px) {
  .fin-grid { grid-template-columns: repeat(2, 1fr); max-width: 760px; }
}
@media (max-width: 900px) {
  .cat-grid { grid-template-columns: 1fr; max-width: 620px; }
  .cat-card, .cat-card.cat-lg { grid-column: span 1; }
  .fin-grid { grid-template-columns: 1fr; max-width: 620px; }
}
@media (prefers-reduced-motion: reduce) {
  .cat-card { animation: none; }
  .cat-card, .cat-media img { transition: none; }
  .cat-card:hover { transform: none; }
  .cat-card:hover .cat-media img { transform: none; }
  .fin-card { animation: none; }
  .fin-card, .fin-media img { transition: none; }
  .fin-card:hover { transform: none; }
  .fin-card:hover .fin-media img { transform: none; }
}

/* ============ Final CTA (before footer) — black, centered ============ */
.final-cta-sec {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(rgba(56,196,248,.10) 1.5px, transparent 1.5px),
    linear-gradient(160deg, #050507 0%, #0A0A12 55%, #10101C 100%);
  background-size: 32px 32px, cover;
  padding: clamp(64px, 8vw, 110px) 0;
  text-align: center;
}
.final-eagle {
  position: absolute; right: -2%; top: 50%; transform: translateY(-50%);
  width: min(560px, 44vw); pointer-events: none; z-index: 1; isolation: isolate;
}
.final-eagle::before {
  content: ""; position: absolute; inset: -8% -10%; z-index: -1;
  background: radial-gradient(closest-side, rgba(61,196,248,.30), rgba(212,175,55,.14) 58%, transparent 80%);
  filter: blur(4px);
}
.final-eagle img {
  width: 100%; display: block; opacity: .92;
  filter: drop-shadow(0 0 26px rgba(61,196,248,.5)) drop-shadow(0 0 72px rgba(212,175,55,.38));
  animation: eagleFloat 7s ease-in-out infinite;
}
.final-cta-inner { position: relative; z-index: 2; max-width: 760px; margin: 0 auto; }
.final-cta-inner h2 { color: #fff; font-size: clamp(28px, 4vw, 44px); line-height: 1.12; margin: 0 0 16px; }
.final-cta-inner p { color: #A6BED4; font-size: 16px; line-height: 1.65; max-width: 600px; margin: 0 auto 30px; }
.final-cta-btns { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }

/* ============ Loan programs strip (before eagle CTA, Aug 2026) ============ */
.loan-strip { position: relative; overflow: hidden; }
.loan-strip-top {
  height: 8px;
  background: linear-gradient(90deg, #DFEEFB, #EAF4FC 50%, #DFEEFB);
}
.loan-strip-marquee {
  overflow: hidden;
  background: linear-gradient(90deg, #0A0E1C 0%, #10131F 50%, #0A0E1C 100%);
  border-top: 1px solid rgba(255,255,255,.06);
  border-bottom: 1px solid rgba(255,255,255,.06);
  padding: 15px 0;
}
.loan-strip-track {
  display: flex; align-items: center; gap: 0;
  width: max-content;
  animation: loanStrip 36s linear infinite;
}
.loan-strip-marquee:hover .loan-strip-track { animation-play-state: paused; }
.loan-strip-track span {
  font-family: var(--font-display); font-weight: 600; font-size: 15px;
  letter-spacing: .02em; color: #EAF6FF; white-space: nowrap;
  padding: 0 18px;
}
.loan-strip-track i {
  font-style: normal; color: var(--gold-500); font-size: 15px; font-weight: 700;
}
@keyframes loanStrip { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.loan-strip-bottom {
  height: 8px;
  background: linear-gradient(90deg, #FFFFFF, #F4F7FA 50%, #FFFFFF);
}
@media (prefers-reduced-motion: reduce) {
  .loan-strip-track { animation: none; }
}

/* ============ Calculator — compact blue & white (Aug 2026) ============ */
.calc-sec {
  background:
    radial-gradient(900px 380px at 88% -10%, rgba(0,159,227,.14), transparent 55%),
    radial-gradient(700px 340px at -6% 112%, rgba(212,175,55,.10), transparent 52%),
    linear-gradient(180deg, #F4FAFF 0%, #EAF4FC 100%);
  padding: clamp(56px, 6vw, 84px) 0;
}
.calc-sec .section-head { margin-bottom: clamp(28px, 3.5vw, 40px); }
.calc-sec .section-head h2 { color: var(--navy-900); }
.calc-sec .section-head p { color: #4A6A85; }

/* Calculator shell: full-width (eagle moved to the .calc-eagle-top band) */
#calculator.calc-sec .calc-suite-head { margin-bottom: 0; }
.calc-shell {
  display: block;
}
.calc-main { min-width: 0; }

/* Tabs — compact white pills on light blue */
.calc-sec .calc-tabs { margin-bottom: 18px; }
.calc-sec .calc-tab {
  font-size: 13px; padding: 9px 16px;
  background: #fff; border: 1px solid rgba(0,159,227,.3);
  box-shadow: 0 3px 10px -4px rgba(5,5,8,.12);
}
.calc-sec .calc-tab.is-active {
  color: #fff; background: linear-gradient(135deg, #009FE3, #0073A8);
  border-color: transparent;
  box-shadow: 0 6px 16px -4px rgba(0,159,227,.5);
}
.calc-sec .calc-tab.is-active .rot-dot { background: #fff; box-shadow: 0 0 8px rgba(255,255,255,.9); }

/* Panel — white card, blue results, thin gold ring */
.calc-sec .calc-aura {
  border-radius: 20px; padding: 1.5px;
  background: linear-gradient(135deg, rgba(212,175,55,.7), rgba(212,175,55,.15) 30%, rgba(0,159,227,.4) 65%, rgba(212,175,55,.6));
  box-shadow: 0 0 26px rgba(212,175,55,.18);
}
.calc-sec .calc-panel {
  border-radius: 19px;
  grid-template-columns: 1.15fr .85fr;
  background: #fff;
  border: none;
  box-shadow: 0 16px 40px rgba(0,80,140,.14);
}
.calc-sec .calc-panel.is-active { display: grid; }
.calc-sec .calc-inputs {
  background: #fff; color: var(--navy-900);
  padding: clamp(22px, 3vw, 32px);
}
.calc-sec .calc-inputs h3 { color: var(--navy-900); font-size: 20px; }
.calc-sec .calc-inputs .sub { color: #5A7A96; font-size: 13.5px; margin-bottom: 20px; }
.calc-sec .field label { color: #0073A8; }
.calc-sec .field input[type="text"], .calc-sec .field input[type="number"], .calc-sec .field select {
  background: #F4FAFF; border: 1px solid rgba(0,159,227,.35); color: var(--navy-900);
  padding: 11px 13px; font-size: 14.5px; border-radius: 10px;
}
.calc-sec .field input.with-pre { padding-left: 32px; }
.calc-sec .field .input-wrap .pre { color: #0073A8; left: 12px; }
.calc-sec .field input:focus, .calc-sec .field select:focus {
  border-color: var(--blue-500); background: #fff;
  box-shadow: 0 0 0 3px rgba(0,159,227,.15);
}
.calc-sec .field select option { color: var(--ink); background: #fff; }
.calc-sec .range-row input[type="range"] { background: rgba(0,159,227,.22); }
.calc-sec .range-row input[type="range"]::-webkit-slider-thumb {
  background: var(--gold-500); border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--gold-500), 0 2px 6px rgba(0,0,0,.2);
}
.calc-sec .range-row input[type="range"]::-moz-range-thumb {
  background: var(--gold-500); border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--gold-500);
}
.calc-sec .range-val { color: #B8942A; font-size: 14px; }
.calc-sec .calc-cta { margin-top: 18px; }
.calc-sec .calc-cta a { font-size: 14px; padding: 12px 22px; }

/* Results — blue panel, white text, gold accents */
.calc-sec .calc-results {
  background: linear-gradient(160deg, #009FE3 0%, #0073A8 55%, #00598A 100%);
  padding: clamp(22px, 3vw, 32px);
}
.calc-sec .calc-results .big { font-size: clamp(36px, 4vw, 48px); }
.calc-sec .calc-results .big-label { margin-bottom: 18px; }
.calc-sec .calc-panel .break-row b { color: var(--gold-400); }
.calc-sec .calc-panel .calc-note { color: #D6F0FC; }
.calc-sec .calc-panel .calc-note[data-out-verdict], .calc-sec .calc-panel .calc-note[data-out-verdict2] { color: #D6F0FC; }
.calc-sec .calc-panel .calc-results::after { background: radial-gradient(120% 90% at 50% 0%, rgba(212,175,55,.14), transparent 55%); }

/* Bottom row — compact */
.calc-sec .calc-suite-bottom { margin-top: 24px; }
.calc-sec .calc-suite-note { color: #4A6A85; }

/* Responsive: calculator panels stack on mobile */
@media (max-width: 720px) {
  .calc-sec .calc-panel.is-active { grid-template-columns: 1fr; }
  .calc-sec .calc-tabs { gap: 7px; }
  .calc-sec .calc-tab { font-size: 12px; padding: 8px 13px; }
  #calculator.calc-sec .calc-suite-head .section-head { margin-bottom: 0; }
}

/* ============================================================
   DESIGN REVIEW PASS (v86)
   — color hierarchy locked: bright #009FE3 / royal #0073A8 /
     deep navy #00598A (drift stops normalized earlier in file)
   — gold restrained: hero ribbon, CTA buttons, process/numbering
     accents keep strong gold; card chrome is blue/neutral
   — typography: Sora (UI) / Inter (body) everywhere; the serif
     exists only inside the category artwork (deliberate split)
   — pacing: breathing room above About(trust) / testimonials /
     process(steps) and the finance teaser
   ============================================================ */

/* ---- Spacing & pacing: major visual → air → compact info → air ---- */
#trust { padding-top: calc(var(--section-pad) + 14px); }
#reviews { padding-top: calc(var(--section-pad) + 14px); }
#steps { padding-top: calc(var(--section-pad) + 14px); }
#services { padding-top: calc(var(--section-pad) + 10px); }
#built { padding-top: calc(var(--section-pad) + 10px); }
#why .section-head { margin-bottom: clamp(20px, 2.6vw, 32px); }
.why-intro .btn { margin-top: 24px; }

/* Mobile refinements — density tamed, decoration reduced */
@media (max-width: 720px) {
  /* benefit cards: 1 column, tighter chrome */
  .why-card { padding: 22px 20px 20px; }
  .why-ic { width: 64px; height: 64px; margin-bottom: 12px; }
  .why-ic img { width: 52px; height: 52px; }
  .why-ic::after { display: none; }
  .why-card h3 { font-size: 17.5px; }
  .why-card p { font-size: 13.5px; }

  /* the gold wave crops wide & low instead of ballooning */
  .trust-wave { top: 0; left: -12%; width: 124%; height: 36px; opacity: .32; }

  /* decorative geometry recedes; photos keep their crop */
  .cat-dots, .dots-tl, .dots-br { opacity: .22; }
  .cat-ribbon { opacity: .5; }
  .steps-path { height: 200px; opacity: .3; }
  .built-frame::before { opacity: .5; }

  /* primary actions go full width where they sit alone */
  .cat-actions .btn, .trust-non-foot .btn, .built-cta { width: 100%; }
  .trust-non-foot { justify-content: center; text-align: center; }
  .trust-non-foot .btn { margin-top: 4px; }
}

/* ---------- Language orb (global, on-brand Aug 2026) ---------- */
.lang-orb-wrap {
  position: fixed;
  left: 24px;
  bottom: 24px;
  z-index: 310; /* above cookie banner (300) + to-top (250) so the orb stays reachable */
}
.lang-orb {
  position: relative;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  border: none;
  cursor: pointer;
  display: grid;
  place-items: center;
  color: #fff;
  background:
    radial-gradient(circle at 32% 28%, rgba(255,255,255,.85), rgba(255,255,255,0) 40%),
    radial-gradient(circle at 50% 50%, var(--blue-400) 0%, var(--blue-600) 45%, var(--blue-700) 75%, #00598A 100%);
  box-shadow:
    inset 0 2px 6px rgba(255,255,255,.35),
    0 10px 24px -6px rgba(0,159,227,.5),
    0 4px 10px rgba(5,5,8,.25);
  transition: transform .22s ease;
  animation: langOrbPulse 2.6s ease-in-out infinite;
}
.lang-orb::before {
  content: "";
  position: absolute;
  inset: -6px;
  border-radius: 50%;
  border: 2px solid rgba(212,175,55,.8);
  animation: langOrbRing 2.6s ease-in-out infinite;
}
.lang-orb:hover { transform: scale(1.07); animation-play-state: paused; }
.lang-orb .lang-globe { width: 27px; height: 27px; filter: drop-shadow(0 1px 2px rgba(5,5,8,.35)); }
@keyframes langOrbPulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}
@keyframes langOrbRing {
  0%, 100% { box-shadow: 0 0 0 0 rgba(212,175,55,.55); opacity: .95; }
  50% { box-shadow: 0 0 0 13px rgba(212,175,55,0); opacity: 1; }
}
.lang-menu {
  position: absolute;
  left: 0;
  bottom: calc(100% + 16px);
  width: 232px;
  padding: 8px;
  background: linear-gradient(180deg, #0B0B14, #10101C);
  border: 1px solid rgba(212,175,55,.45);
  border-radius: 16px;
  box-shadow: 0 24px 48px -12px rgba(5,5,8,.55), 0 0 0 1px rgba(212,175,55,.1);
  opacity: 0;
  transform: translateY(10px) scale(.97);
  pointer-events: none;
  transition: opacity .22s ease, transform .22s ease;
  z-index: 1;
}
.lang-orb-wrap.open .lang-menu { opacity: 1; transform: none; pointer-events: auto; }
.lang-menu::before { /* gold shimmer top bar (brand recipe) */
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  border-radius: 16px 16px 0 0;
  background: var(--gold-sheen);
}
.lang-menu::after { /* arrow pointing down to the orb */
  content: "";
  position: absolute;
  left: 25px;
  bottom: -6px;
  width: 12px;
  height: 12px;
  background: #0E0E18;
  border-right: 1px solid rgba(212,175,55,.45);
  border-bottom: 1px solid rgba(212,175,55,.45);
  transform: rotate(45deg);
}
.lang-opt {
  position: relative;
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  padding: 11px 12px;
  border: none;
  border-radius: 10px;
  background: transparent;
  color: #EAF6FF;
  font: 600 14px/1 var(--font-body);
  cursor: pointer;
  text-align: left;
  transition: background .18s ease, color .18s ease;
}
.lang-opt:hover { background: rgba(0,159,227,.18); color: #fff; }
.lang-opt.is-active { color: var(--gold-400); }
.lang-check {
  width: 17px;
  height: 17px;
  margin-left: auto;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #0A0A12;
  background: var(--gold-sheen);
  opacity: 0;
  transition: opacity .18s ease;
}
.lang-check svg { width: 10px; height: 10px; }
.lang-opt.is-active .lang-check { opacity: 1; }
@media (max-width: 720px) {
  .lang-orb-wrap { left: 16px; bottom: 16px; }
  .lang-orb { width: 52px; height: 52px; }
  .lang-menu { width: min(232px, calc(100vw - 32px)); }
}
@media (prefers-reduced-motion: reduce) {
  .lang-orb, .lang-orb::before { animation: none; }
  .lang-menu, .lang-opt { transition: none; }
}